Home > Lubbock National Bank > Performance and Condition Ratios
Lubbock National Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4843% | 2,503 |
| Cost of funding earning assets | 0.8461% | 1,328 |
| Net interest margin | 3.6382% | 3,259 |
| Noninterest income to average assets | 0.5374% | 2,624 |
| Noninterest expense to average assets | 2.4219% | 3,827 |
| Loan and lease loss provision to assets | 0.1425% | 1,505 |
| Net operating income to assets | 1.1783% | 2,277 |
| Return on assets (ROA) | 1.1809% | 2,259 |
| Pretax return on assets | 1.4137% | 2,086 |
| Return on Equity (ROE) | 12.6689% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.0237% | 434 |
| Net charge-offs to loans | 0.0908% | 1,866 |
| Credit loss provision to net charge-offs | 271.6578% | 1,106 |
| Earnings coverage of net charge-offs (x) | 29.6043% | 1,617 |
| Efficiency ratio | 60.9297% | 3,705 |
| Assets per employee ($millions) | 6.5734% | 1,183 |
| Cash dividends to net income (ytd only)* | 12.9860% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,610 |
| Loan loss allowance to noncurrent loans | 376.3380% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 3,840 |
| Noncurrent loans to loans | 0.3169% | 3,419 |
| Net loans and leases to total assets | 61.2285% | 3,643 |
| Net loans and leases to deposits | 72.0004% | 3,669 |
| Net loans and leases to core deposits | 85.9204% | 2,924 |
| Total domestic deposits to total assets | 85.0391% | 2,634 |
| Equity capital to assets | 9.7429% | 3,915 |
| Core capital (leverage) ratio | 10.3502% | 3,200 |
| Tier 1 risk-based capital ratio | 14.2600% | 3,179 |
| Total risk-based capital ratio | 15.2896% | 3,205 |
| Memoranda: | ||
| Average total assets | $1,069,394,600 | 716 |
| Average earning assets | $1,010,411,000 | 699 |
| Average equity | $99,685,200 | 856 |
| Average total loans | $617,914,400 | 869 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3842% | 2,671 |
| Cost of funding earning assets | 0.8151% | 1,262 |
| Net interest margin | 3.5691% | 3,462 |
| Noninterest income to average assets | 0.5229% | 2,724 |
| Noninterest expense to average assets | 2.3786% | 3,901 |
| Loan and lease loss provision to assets | 0.1907% | 930 |
| Net operating income to assets | 1.1154% | 2,599 |
| Return on assets (ROA) | 1.1190% | 2,597 |
| Pretax return on assets | 1.3299% | 2,506 |
| Return on Equity (ROE) | 12.1437% | 1,740 |
| Retained earnings to average equity (ytd only) | 10.1734% | 871 |
| Net charge-offs to loans | 0.0512% | 2,100 |
| Credit loss provision to net charge-offs | 656.8966% | 555 |
| Earnings coverage of net charge-offs (x) | 52.2363% | 1,147 |
| Efficiency ratio | 61.0685% | 3,655 |
| Assets per employee ($millions) | 6.5289% | 1,173 |
| Cash dividends to net income (ytd only)* | 16.2250% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,023 |
| Loan loss allowance to noncurrent loans | 385.2724% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 3,875 |
| Noncurrent loans to loans | 0.3416% | 3,431 |
| Net loans and leases to total assets | 59.1622% | 3,937 |
| Net loans and leases to deposits | 67.3240% | 4,103 |
| Net loans and leases to core deposits | 80.9710% | 3,406 |
| Total domestic deposits to total assets | 87.8768% | 1,291 |
| Equity capital to assets | 9.3768% | 4,203 |
| Core capital (leverage) ratio | 9.9940% | 3,645 |
| Tier 1 risk-based capital ratio | 14.6766% | 3,029 |
| Total risk-based capital ratio | 15.8139% | 3,008 |
| Memoranda: | ||
| Average total assets | $1,065,592,000 | 718 |
| Average earning assets | $1,006,776,500 | 697 |
| Average equity | $98,188,500 | 859 |
| Average total loans | $604,367,250 | 880 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 2,752 |
| Cost of funding earning assets | 0.7869% | 1,189 |
| Net interest margin | 3.5156% | 3,581 |
| Noninterest income to average assets | 0.5263% | 2,717 |
| Noninterest expense to average assets | 2.3746% | 3,968 |
| Loan and lease loss provision to assets | 0.1893% | 925 |
| Net operating income to assets | 1.0827% | 2,655 |
| Return on assets (ROA) | 1.0872% | 2,642 |
| Pretax return on assets | 1.2894% | 2,559 |
| Return on Equity (ROE) | 11.8681% | 1,770 |
| Retained earnings to average equity (ytd only) | 9.2970% | 1,129 |
| Net charge-offs to loans | 0.0279% | 2,296 |
| Credit loss provision to net charge-offs | 1,218.0723% | 345 |
| Earnings coverage of net charge-offs (x) | 94.8072% | 721 |
| Efficiency ratio | 61.7118% | 3,664 |
| Assets per employee ($millions) | 6.6416% | 1,108 |
| Cash dividends to net income (ytd only)* | 21.6635% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,139 |
| Loan loss allowance to noncurrent loans | 423.3952% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 4,062 |
| Noncurrent loans to loans | 0.3083% | 3,606 |
| Net loans and leases to total assets | 55.7339% | 4,187 |
| Net loans and leases to deposits | 65.6918% | 4,183 |
| Net loans and leases to core deposits | 81.4005% | 3,291 |
| Total domestic deposits to total assets | 84.8415% | 2,731 |
| Equity capital to assets | 9.0793% | 4,500 |
| Core capital (leverage) ratio | 9.7054% | 3,876 |
| Tier 1 risk-based capital ratio | 14.8682% | 2,934 |
| Total risk-based capital ratio | 16.0015% | 2,922 |
| Memoranda: | ||
| Average total assets | $1,068,226,670 | 717 |
| Average earning assets | $1,009,262,330 | 695 |
| Average equity | $97,859,000 | 863 |
| Average total loans | $594,457,670 | 898 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 2,635 |
| Cost of funding earning assets | 0.7464% | 1,206 |
| Net interest margin | 3.5231% | 3,448 |
| Noninterest income to average assets | 0.5470% | 2,534 |
| Noninterest expense to average assets | 2.4074% | 3,921 |
| Loan and lease loss provision to assets | 0.1889% | 896 |
| Net operating income to assets | 1.0806% | 2,520 |
| Return on assets (ROA) | 1.0899% | 2,488 |
| Pretax return on assets | 1.2889% | 2,412 |
| Return on Equity (ROE) | 11.8431% | 1,638 |
| Retained earnings to average equity (ytd only) | 7.4967% | 2,044 |
| Net charge-offs to loans | 0.0191% | 2,120 |
| Credit loss provision to net charge-offs | 1,789.2857% | 207 |
| Earnings coverage of net charge-offs (x) | 138.9643% | 463 |
| Efficiency ratio | 62.1388% | 3,756 |
| Assets per employee ($millions) | 6.4426% | 1,232 |
| Cash dividends to net income (ytd only)* | 36.7001% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,355 |
| Loan loss allowance to noncurrent loans | 348.9105% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 4,027 |
| Noncurrent loans to loans | 0.3660% | 3,463 |
| Net loans and leases to total assets | 55.0614% | 4,202 |
| Net loans and leases to deposits | 68.7729% | 3,896 |
| Net loans and leases to core deposits | 86.8063% | 2,733 |
| Total domestic deposits to total assets | 80.0626% | 4,404 |
| Equity capital to assets | 9.0816% | 4,473 |
| Core capital (leverage) ratio | 9.5669% | 3,995 |
| Tier 1 risk-based capital ratio | 14.9987% | 2,864 |
| Total risk-based capital ratio | 16.1062% | 2,883 |
| Memoranda: | ||
| Average total assets | $1,061,047,500 | 724 |
| Average earning assets | $1,002,078,500 | 704 |
| Average equity | $97,643,000 | 867 |
| Average total loans | $586,012,500 | 917 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 2,973 |
| Cost of funding earning assets | 0.6417% | 1,346 |
| Net interest margin | 3.4817% | 3,585 |
| Noninterest income to average assets | 0.5783% | 2,569 |
| Noninterest expense to average assets | 2.4238% | 4,007 |
| Loan and lease loss provision to assets | 0.1876% | 1,126 |
| Net operating income to assets | 0.6768% | 3,697 |
| Return on assets (ROA) | 0.6972% | 3,667 |
| Pretax return on assets | 1.2576% | 2,517 |
| Return on Equity (ROE) | 7.2172% | 3,169 |
| Retained earnings to average equity (ytd only) | 5.8120% | 1,650 |
| Net charge-offs to loans | 0.2228% | 1,164 |
| Credit loss provision to net charge-offs | 155.8659% | 1,714 |
| Earnings coverage of net charge-offs (x) | 11.7414% | 2,537 |
| Efficiency ratio | 63.1657% | 3,744 |
| Assets per employee ($millions) | 6.7150% | 1,095 |
| Cash dividends to net income (ytd only)* | 19.4709% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 1,181 |
| Loan loss allowance to noncurrent loans | 115.2074% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 2,039 |
| Noncurrent loans to loans | 1.3720% | 1,264 |
| Net loans and leases to total assets | 54.2521% | 4,342 |
| Net loans and leases to deposits | 69.0179% | 3,949 |
| Net loans and leases to core deposits | 89.2370% | 2,631 |
| Total domestic deposits to total assets | 78.6059% | 4,625 |
| Equity capital to assets | 9.5590% | 4,180 |
| Core capital (leverage) ratio | 9.5563% | 3,968 |
| Tier 1 risk-based capital ratio | 14.6014% | 3,040 |
| Total risk-based capital ratio | 15.8522% | 2,966 |
| Memoranda: | ||
| Average total assets | $1,040,883,800 | 710 |
| Average earning assets | $974,298,600 | 697 |
| Average equity | $100,550,800 | 822 |
| Average total loans | $562,435,000 | 918 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 2,988 |
| Cost of funding earning assets | 0.6308% | 1,351 |
| Net interest margin | 3.4677% | 3,613 |
| Noninterest income to average assets | 0.5464% | 2,745 |
| Noninterest expense to average assets | 2.3292% | 4,217 |
| Loan and lease loss provision to assets | 0.1931% | 997 |
| Net operating income to assets | 0.9443% | 2,810 |
| Return on assets (ROA) | 0.9763% | 2,718 |
| Pretax return on assets | 1.3015% | 2,482 |
| Return on Equity (ROE) | 10.0796% | 2,094 |
| Retained earnings to average equity (ytd only) | 8.3386% | 1,078 |
| Net charge-offs to loans | 0.2912% | 733 |
| Credit loss provision to net charge-offs | 123.3937% | 1,969 |
| Earnings coverage of net charge-offs (x) | 9.2767% | 2,709 |
| Efficiency ratio | 61.6011% | 3,937 |
| Assets per employee ($millions) | 6.5951% | 1,130 |
| Cash dividends to net income (ytd only)* | 17.2719% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 1,502 |
| Loan loss allowance to noncurrent loans | 76.2964% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 1,495 |
| Noncurrent loans to loans | 1.9773% | 866 |
| Net loans and leases to total assets | 54.3042% | 4,390 |
| Net loans and leases to deposits | 66.1582% | 4,240 |
| Net loans and leases to core deposits | 88.2611% | 2,746 |
| Total domestic deposits to total assets | 82.0823% | 3,753 |
| Equity capital to assets | 9.8030% | 4,145 |
| Core capital (leverage) ratio | 9.6362% | 3,999 |
| Tier 1 risk-based capital ratio | 14.4712% | 3,201 |
| Total risk-based capital ratio | 15.7155% | 3,115 |
| Memoranda: | ||
| Average total assets | $1,034,184,750 | 722 |
| Average earning assets | $964,739,250 | 707 |
| Average equity | $100,173,750 | 825 |
| Average total loans | $555,908,250 | 930 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 2,863 |
| Cost of funding earning assets | 0.6124% | 1,375 |
| Net interest margin | 3.4761% | 3,487 |
| Noninterest income to average assets | 0.5526% | 2,705 |
| Noninterest expense to average assets | 2.3657% | 4,158 |
| Loan and lease loss provision to assets | 0.2000% | 920 |
| Net operating income to assets | 0.9175% | 2,819 |
| Return on assets (ROA) | 0.9576% | 2,682 |
| Pretax return on assets | 1.2726% | 2,488 |
| Return on Equity (ROE) | 9.9277% | 2,066 |
| Retained earnings to average equity (ytd only) | 7.4990% | 1,354 |
| Net charge-offs to loans | 0.2669% | 761 |
| Credit loss provision to net charge-offs | 140.7153% | 1,588 |
| Earnings coverage of net charge-offs (x) | 9.9835% | 2,381 |
| Efficiency ratio | 62.5026% | 3,907 |
| Assets per employee ($millions) | 6.7456% | 1,035 |
| Cash dividends to net income (ytd only)* | 24.4640% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 1,389 |
| Loan loss allowance to noncurrent loans | 77.0943% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 1,567 |
| Noncurrent loans to loans | 2.0134% | 835 |
| Net loans and leases to total assets | 53.2932% | 4,459 |
| Net loans and leases to deposits | 63.7156% | 4,388 |
| Net loans and leases to core deposits | 88.6900% | 2,643 |
| Total domestic deposits to total assets | 83.6422% | 3,345 |
| Equity capital to assets | 9.6968% | 4,229 |
| Core capital (leverage) ratio | 9.5828% | 4,037 |
| Tier 1 risk-based capital ratio | 14.9078% | 2,967 |
| Total risk-based capital ratio | 16.1586% | 2,900 |
| Memoranda: | ||
| Average total assets | $1,022,780,000 | 733 |
| Average earning assets | $951,053,000 | 718 |
| Average equity | $98,653,330 | 838 |
| Average total loans | $544,853,670 | 944 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 2,701 |
| Cost of funding earning assets | 0.5994% | 1,377 |
| Net interest margin | 3.4870% | 3,321 |
| Noninterest income to average assets | 0.5694% | 2,559 |
| Noninterest expense to average assets | 2.4112% | 4,085 |
| Loan and lease loss provision to assets | 0.2198% | 724 |
| Net operating income to assets | 0.8814% | 2,854 |
| Return on assets (ROA) | 0.9062% | 2,785 |
| Pretax return on assets | 1.1885% | 2,635 |
| Return on Equity (ROE) | 9.4213% | 2,217 |
| Retained earnings to average equity (ytd only) | 5.0790% | 2,843 |
| Net charge-offs to loans | -0.0038% | 4,108 |
| Credit loss provision to net charge-offs | -11,040.0000% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6736% | 3,893 |
| Assets per employee ($millions) | 6.3608% | 1,255 |
| Cash dividends to net income (ytd only)* | 46.0896% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 1,167 |
| Loan loss allowance to noncurrent loans | 101.0368% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8892% | 2,084 |
| Noncurrent loans to loans | 1.6699% | 1,155 |
| Net loans and leases to total assets | 51.1642% | 4,580 |
| Net loans and leases to deposits | 61.1437% | 4,486 |
| Net loans and leases to core deposits | 81.7764% | 3,113 |
| Total domestic deposits to total assets | 83.6785% | 3,591 |
| Equity capital to assets | 9.3576% | 4,436 |
| Core capital (leverage) ratio | 9.9649% | 3,547 |
| Tier 1 risk-based capital ratio | 15.4387% | 2,777 |
| Total risk-based capital ratio | 16.6909% | 2,714 |
| Memoranda: | ||
| Average total assets | $1,004,639,500 | 744 |
| Average earning assets | $926,977,500 | 740 |
| Average equity | $96,632,500 | 856 |
| Average total loans | $530,627,500 | 971 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 3,442 |
| Cost of funding earning assets | 0.5644% | 1,575 |
| Net interest margin | 3.3702% | 3,922 |
| Noninterest income to average assets | 0.6273% | 2,519 |
| Noninterest expense to average assets | 2.4287% | 4,213 |
| Loan and lease loss provision to assets | 0.1910% | 1,231 |
| Net operating income to assets | 0.9207% | 2,718 |
| Return on assets (ROA) | 0.9552% | 2,661 |
| Pretax return on assets | 1.2259% | 2,575 |
| Return on Equity (ROE) | 9.4360% | 2,216 |
| Retained earnings to average equity (ytd only) | 7.3102% | 1,109 |
| Net charge-offs to loans | 0.4154% | 631 |
| Credit loss provision to net charge-offs | 84.9030% | 2,897 |
| Earnings coverage of net charge-offs (x) | 6.1016% | 3,232 |
| Efficiency ratio | 63.8897% | 3,953 |
| Assets per employee ($millions) | 6.0381% | 1,450 |
| Cash dividends to net income (ytd only)* | 22.5291% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 1,233 |
| Loan loss allowance to noncurrent loans | 87.9922% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0337% | 1,832 |
| Noncurrent loans to loans | 1.8861% | 984 |
| Net loans and leases to total assets | 52.7645% | 4,548 |
| Net loans and leases to deposits | 63.4603% | 4,448 |
| Net loans and leases to core deposits | 78.7450% | 3,504 |
| Total domestic deposits to total assets | 83.1457% | 3,722 |
| Equity capital to assets | 9.9005% | 3,815 |
| Core capital (leverage) ratio | 9.9790% | 3,504 |
| Tier 1 risk-based capital ratio | 15.8188% | 2,622 |
| Total risk-based capital ratio | 17.0707% | 2,544 |
| Memoranda: | ||
| Average total assets | $962,786,000 | 753 |
| Average earning assets | $906,751,800 | 731 |
| Average equity | $97,467,200 | 809 |
| Average total loans | $521,418,600 | 942 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 3,516 |
| Cost of funding earning assets | 0.5562% | 1,637 |
| Net interest margin | 3.3638% | 3,977 |
| Noninterest income to average assets | 0.5705% | 2,810 |
| Noninterest expense to average assets | 2.4207% | 4,220 |
| Loan and lease loss provision to assets | 0.1907% | 1,139 |
| Net operating income to assets | 0.8699% | 3,050 |
| Return on assets (ROA) | 0.9153% | 2,954 |
| Pretax return on assets | 1.1884% | 2,879 |
| Return on Equity (ROE) | 8.9920% | 2,492 |
| Retained earnings to average equity (ytd only) | 6.3205% | 1,999 |
| Net charge-offs to loans | 0.4351% | 493 |
| Credit loss provision to net charge-offs | 80.7512% | 2,652 |
| Earnings coverage of net charge-offs (x) | 5.5892% | 3,108 |
| Efficiency ratio | 64.7115% | 3,812 |
| Assets per employee ($millions) | 6.1855% | 1,305 |
| Cash dividends to net income (ytd only)* | 29.7092% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 1,304 |
| Loan loss allowance to noncurrent loans | 80.9752% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.0734% | 1,912 |
| Noncurrent loans to loans | 2.0506% | 948 |
| Net loans and leases to total assets | 51.4767% | 4,693 |
| Net loans and leases to deposits | 62.3767% | 4,603 |
| Net loans and leases to core deposits | 77.1585% | 3,735 |
| Total domestic deposits to total assets | 82.5255% | 3,769 |
| Equity capital to assets | 10.1293% | 3,999 |
| Core capital (leverage) ratio | 9.7295% | 3,904 |
| Tier 1 risk-based capital ratio | 15.5484% | 2,809 |
| Total risk-based capital ratio | 16.8005% | 2,744 |
| Memoranda: | ||
| Average total assets | $961,957,500 | 756 |
| Average earning assets | $906,597,750 | 732 |
| Average equity | $97,921,750 | 810 |
| Average total loans | $522,183,000 | 937 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,378 |
| Cost of funding earning assets | 0.5415% | 1,769 |
| Net interest margin | 3.4200% | 3,806 |
| Noninterest income to average assets | 0.5649% | 2,822 |
| Noninterest expense to average assets | 2.4540% | 4,165 |
| Loan and lease loss provision to assets | 0.1917% | 1,131 |
| Net operating income to assets | 0.8838% | 2,943 |
| Return on assets (ROA) | 0.8838% | 3,063 |
| Pretax return on assets | 1.1367% | 3,051 |
| Return on Equity (ROE) | 8.6673% | 2,657 |
| Retained earnings to average equity (ytd only) | 4.7825% | 2,877 |
| Net charge-offs to loans | 0.6379% | 326 |
| Credit loss provision to net charge-offs | 54.6707% | 2,632 |
| Earnings coverage of net charge-offs (x) | 3.7892% | 3,058 |
| Efficiency ratio | 64.8796% | 3,866 |
| Assets per employee ($millions) | 6.1650% | 1,289 |
| Cash dividends to net income (ytd only)* | 44.8219% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 1,728 |
| Loan loss allowance to noncurrent loans | 84.7558% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 2,219 |
| Noncurrent loans to loans | 1.8134% | 1,135 |
| Net loans and leases to total assets | 52.4252% | 4,634 |
| Net loans and leases to deposits | 61.9351% | 4,656 |
| Net loans and leases to core deposits | 76.6317% | 3,770 |
| Total domestic deposits to total assets | 84.6453% | 3,025 |
| Equity capital to assets | 9.9207% | 4,323 |
| Core capital (leverage) ratio | 9.8380% | 3,764 |
| Tier 1 risk-based capital ratio | 15.1395% | 3,013 |
| Total risk-based capital ratio | 16.3906% | 2,943 |
| Memoranda: | ||
| Average total assets | $952,718,330 | 762 |
| Average earning assets | $896,321,000 | 738 |
| Average equity | $97,146,670 | 815 |
| Average total loans | $523,559,330 | 935 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 3,022 |
| Cost of funding earning assets | 0.5328% | 1,850 |
| Net interest margin | 3.5216% | 3,386 |
| Noninterest income to average assets | 0.6398% | 2,320 |
| Noninterest expense to average assets | 2.5664% | 3,864 |
| Loan and lease loss provision to assets | 0.1953% | 1,013 |
| Net operating income to assets | 0.9250% | 2,622 |
| Return on assets (ROA) | 0.9250% | 2,733 |
| Pretax return on assets | 1.1827% | 2,770 |
| Return on Equity (ROE) | 8.9416% | 2,454 |
| Retained earnings to average equity (ytd only) | 6.0345% | 2,356 |
| Net charge-offs to loans | 0.0046% | 2,961 |
| Credit loss provision to net charge-offs | 7,566.6667% | 41 |
| Earnings coverage of net charge-offs (x) | 533.8333% | 101 |
| Efficiency ratio | 65.0633% | 3,964 |
| Assets per employee ($millions) | 5.6460% | 1,714 |
| Cash dividends to net income (ytd only)* | 32.5116% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 1,154 |
| Loan loss allowance to noncurrent loans | 95.1405% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 2,078 |
| Noncurrent loans to loans | 1.8911% | 1,164 |
| Net loans and leases to total assets | 55.2793% | 4,325 |
| Net loans and leases to deposits | 67.1467% | 4,143 |
| Net loans and leases to core deposits | 77.7501% | 3,516 |
| Total domestic deposits to total assets | 82.3263% | 4,110 |
| Equity capital to assets | 10.5185% | 3,471 |
| Core capital (leverage) ratio | 10.0901% | 3,432 |
| Tier 1 risk-based capital ratio | 15.2876% | 3,019 |
| Total risk-based capital ratio | 16.5416% | 2,964 |
| Memoranda: | ||
| Average total assets | $929,714,500 | 779 |
| Average earning assets | $872,448,000 | 759 |
| Average equity | $96,179,500 | 824 |
| Average total loans | $519,460,500 | 939 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 3,315 |
| Cost of funding earning assets | 0.5827% | 1,476 |
| Net interest margin | 3.4152% | 3,850 |
| Noninterest income to average assets | 0.6004% | 2,710 |
| Noninterest expense to average assets | 2.5737% | 4,012 |
| Loan and lease loss provision to assets | 0.1910% | 1,160 |
| Net operating income to assets | 0.8176% | 3,262 |
| Return on assets (ROA) | 0.8262% | 3,295 |
| Pretax return on assets | 1.0621% | 3,219 |
| Return on Equity (ROE) | 8.2870% | 2,804 |
| Retained earnings to average equity (ytd only) | 7.2511% | 1,178 |
| Net charge-offs to loans | 0.4674% | 583 |
| Credit loss provision to net charge-offs | 74.6389% | 3,048 |
| Earnings coverage of net charge-offs (x) | 4.8534% | 3,477 |
| Efficiency ratio | 67.4492% | 3,672 |
| Assets per employee ($millions) | 5.5236% | 1,777 |
| Cash dividends to net income (ytd only)* | 12.5000% | 4,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 1,299 |
| Loan loss allowance to noncurrent loans | 104.5545% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 2,381 |
| Noncurrent loans to loans | 1.6498% | 1,380 |
| Net loans and leases to total assets | 54.5009% | 4,452 |
| Net loans and leases to deposits | 66.5610% | 4,264 |
| Net loans and leases to core deposits | 77.1965% | 3,645 |
| Total domestic deposits to total assets | 81.8810% | 4,197 |
| Equity capital to assets | 10.1730% | 3,777 |
| Core capital (leverage) ratio | 9.9569% | 3,567 |
| Tier 1 risk-based capital ratio | 15.2303% | 3,064 |
| Total risk-based capital ratio | 16.4836% | 3,000 |
| Memoranda: | ||
| Average total assets | $919,844,400 | 747 |
| Average earning assets | $866,014,000 | 729 |
| Average equity | $91,710,000 | 828 |
| Average total loans | $503,654,000 | 933 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 3,467 |
| Cost of funding earning assets | 0.5914% | 1,460 |
| Net interest margin | 3.3770% | 4,042 |
| Noninterest income to average assets | 0.5799% | 2,853 |
| Noninterest expense to average assets | 2.6207% | 3,799 |
| Loan and lease loss provision to assets | 0.1890% | 1,080 |
| Net operating income to assets | 0.7529% | 3,667 |
| Return on assets (ROA) | 0.7674% | 3,692 |
| Pretax return on assets | 0.9732% | 3,724 |
| Return on Equity (ROE) | 7.7375% | 3,212 |
| Retained earnings to average equity (ytd only) | 6.4174% | 2,009 |
| Net charge-offs to loans | 0.3953% | 651 |
| Credit loss provision to net charge-offs | 87.5927% | 2,503 |
| Earnings coverage of net charge-offs (x) | 5.3008% | 3,224 |
| Efficiency ratio | 69.6181% | 3,263 |
| Assets per employee ($millions) | 5.7908% | 1,517 |
| Cash dividends to net income (ytd only)* | 17.0616% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 1,205 |
| Loan loss allowance to noncurrent loans | 87.5222% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 2,097 |
| Noncurrent loans to loans | 2.0903% | 1,085 |
| Net loans and leases to total assets | 53.4418% | 4,624 |
| Net loans and leases to deposits | 61.8069% | 4,735 |
| Net loans and leases to core deposits | 72.3653% | 4,160 |
| Total domestic deposits to total assets | 86.4658% | 2,300 |
| Equity capital to assets | 9.9132% | 4,270 |
| Core capital (leverage) ratio | 9.6491% | 4,107 |
| Tier 1 risk-based capital ratio | 14.8389% | 3,376 |
| Total risk-based capital ratio | 16.0930% | 3,316 |
| Memoranda: | ||
| Average total assets | $916,433,000 | 761 |
| Average earning assets | $864,181,750 | 740 |
| Average equity | $90,896,500 | 842 |
| Average total loans | $500,145,000 | 937 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 3,403 |
| Cost of funding earning assets | 0.5860% | 1,516 |
| Net interest margin | 3.3856% | 3,947 |
| Noninterest income to average assets | 0.5735% | 2,885 |
| Noninterest expense to average assets | 2.7360% | 3,467 |
| Loan and lease loss provision to assets | 0.1766% | 1,173 |
| Net operating income to assets | 0.6654% | 4,054 |
| Return on assets (ROA) | 0.6872% | 4,065 |
| Pretax return on assets | 0.8772% | 4,040 |
| Return on Equity (ROE) | 6.9271% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.9315% | 2,896 |
| Net charge-offs to loans | 0.5968% | 402 |
| Credit loss provision to net charge-offs | 54.1835% | 2,654 |
| Earnings coverage of net charge-offs (x) | 3.1471% | 3,235 |
| Efficiency ratio | 72.7283% | 2,894 |
| Assets per employee ($millions) | 5.6283% | 1,634 |
| Cash dividends to net income (ytd only)* | 28.8092% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 1,399 |
| Loan loss allowance to noncurrent loans | 315.4367% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 4,653 |
| Noncurrent loans to loans | 0.5663% | 3,754 |
| Net loans and leases to total assets | 53.0226% | 4,659 |
| Net loans and leases to deposits | 60.1886% | 4,837 |
| Net loans and leases to core deposits | 70.6588% | 4,261 |
| Total domestic deposits to total assets | 88.0941% | 1,599 |
| Equity capital to assets | 9.8569% | 4,207 |
| Core capital (leverage) ratio | 9.7786% | 3,895 |
| Tier 1 risk-based capital ratio | 15.2326% | 3,232 |
| Total risk-based capital ratio | 16.4866% | 3,166 |
| Memoranda: | ||
| Average total assets | $909,207,330 | 772 |
| Average earning assets | $856,271,000 | 752 |
| Average equity | $90,196,330 | 852 |
| Average total loans | $496,631,330 | 947 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 3,002 |
| Cost of funding earning assets | 0.5961% | 1,464 |
| Net interest margin | 3.4622% | 3,571 |
| Noninterest income to average assets | 0.5856% | 2,734 |
| Noninterest expense to average assets | 3.0357% | 2,463 |
| Loan and lease loss provision to assets | 0.1927% | 974 |
| Net operating income to assets | 0.5109% | 4,625 |
| Return on assets (ROA) | 0.5109% | 4,747 |
| Pretax return on assets | 0.6116% | 4,884 |
| Return on Equity (ROE) | 5.1332% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.1332% | 2,980 |
| Net charge-offs to loans | 1.4293% | 137 |
| Credit loss provision to net charge-offs | 24.5357% | 2,323 |
| Earnings coverage of net charge-offs (x) | 1.0242% | 2,976 |
| Efficiency ratio | 79.0540% | 2,028 |
| Assets per employee ($millions) | 5.7493% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 1,803 |
| Loan loss allowance to noncurrent loans | 259.0506% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 4,597 |
| Noncurrent loans to loans | 0.6469% | 3,658 |
| Net loans and leases to total assets | 53.5550% | 4,494 |
| Net loans and leases to deposits | 61.8402% | 4,586 |
| Net loans and leases to core deposits | 72.9689% | 3,876 |
| Total domestic deposits to total assets | 86.6021% | 2,603 |
| Equity capital to assets | 10.1486% | 3,947 |
| Core capital (leverage) ratio | 9.5990% | 4,152 |
| Tier 1 risk-based capital ratio | 15.0989% | 3,380 |
| Total risk-based capital ratio | 16.3513% | 3,298 |
| Memoranda: | ||
| Average total assets | $905,102,500 | 778 |
| Average earning assets | $850,797,000 | 760 |
| Average equity | $90,080,000 | 855 |
| Average total loans | $497,304,000 | 943 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,918 |
| Cost of funding earning assets | 0.5842% | 1,910 |
| Net interest margin | 3.6265% | 3,306 |
| Noninterest income to average assets | 0.6186% | 2,747 |
| Noninterest expense to average assets | 2.7471% | 3,688 |
| Loan and lease loss provision to assets | 0.2280% | 1,070 |
| Net operating income to assets | 0.8069% | 3,337 |
| Return on assets (ROA) | 0.8104% | 3,407 |
| Pretax return on assets | 1.0558% | 3,277 |
| Return on Equity (ROE) | 8.3908% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.3908% | 875 |
| Net charge-offs to loans | 0.0321% | 4,186 |
| Credit loss provision to net charge-offs | 1,309.2105% | 219 |
| Earnings coverage of net charge-offs (x) | 73.4539% | 684 |
| Efficiency ratio | 68.2280% | 3,858 |
| Assets per employee ($millions) | 5.4690% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 1,355 |
| Loan loss allowance to noncurrent loans | 128.4308% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8430% | 3,102 |
| Noncurrent loans to loans | 1.4657% | 2,003 |
| Net loans and leases to total assets | 54.3696% | 4,535 |
| Net loans and leases to deposits | 62.0458% | 4,724 |
| Net loans and leases to core deposits | 73.8194% | 3,934 |
| Total domestic deposits to total assets | 87.6283% | 1,966 |
| Equity capital to assets | 9.7598% | 4,407 |
| Core capital (leverage) ratio | 9.2928% | 4,551 |
| Tier 1 risk-based capital ratio | 14.9126% | 3,535 |
| Total risk-based capital ratio | 16.1680% | 3,466 |
| Memoranda: | ||
| Average total assets | $872,769,000 | 767 |
| Average earning assets | $820,121,400 | 745 |
| Average equity | $84,294,800 | 877 |
| Average total loans | $473,789,600 | 936 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 3,061 |
| Cost of funding earning assets | 0.5678% | 2,125 |
| Net interest margin | 3.6129% | 3,377 |
| Noninterest income to average assets | 0.6424% | 2,613 |
| Noninterest expense to average assets | 2.7585% | 3,615 |
| Loan and lease loss provision to assets | 0.1437% | 1,744 |
| Net operating income to assets | 0.8651% | 3,103 |
| Return on assets (ROA) | 0.8727% | 3,154 |
| Pretax return on assets | 1.1461% | 3,005 |
| Return on Equity (ROE) | 9.0605% | 2,649 |
| Retained earnings to average equity (ytd only) | 9.0605% | 979 |
| Net charge-offs to loans | -0.1237% | 6,197 |
| Credit loss provision to net charge-offs | -215.2778% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3060% | 3,803 |
| Assets per employee ($millions) | 5.6609% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 1,677 |
| Loan loss allowance to noncurrent loans | 1,889.5616% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 5,565 |
| Noncurrent loans to loans | 0.0957% | 5,657 |
| Net loans and leases to total assets | 53.5993% | 4,624 |
| Net loans and leases to deposits | 60.4726% | 4,899 |
| Net loans and leases to core deposits | 70.4259% | 4,287 |
| Total domestic deposits to total assets | 88.6339% | 1,433 |
| Equity capital to assets | 9.4976% | 4,798 |
| Core capital (leverage) ratio | 9.6115% | 4,222 |
| Tier 1 risk-based capital ratio | 14.7613% | 3,725 |
| Total risk-based capital ratio | 16.0159% | 3,663 |
| Memoranda: | ||
| Average total assets | $862,632,500 | 778 |
| Average earning assets | $810,857,250 | 756 |
| Average equity | $83,084,000 | 888 |
| Average total loans | $465,713,750 | 956 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 2,943 |
| Cost of funding earning assets | 0.5571% | 2,291 |
| Net interest margin | 3.6448% | 3,169 |
| Noninterest income to average assets | 0.6707% | 2,427 |
| Noninterest expense to average assets | 2.8472% | 3,343 |
| Loan and lease loss provision to assets | 0.1208% | 2,035 |
| Net operating income to assets | 0.8577% | 3,027 |
| Return on assets (ROA) | 0.8694% | 3,050 |
| Pretax return on assets | 1.1358% | 2,946 |
| Return on Equity (ROE) | 8.9815% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.9815% | 990 |
| Net charge-offs to loans | -0.1652% | 6,300 |
| Credit loss provision to net charge-offs | -136.0000% | 5,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6362% | 3,715 |
| Assets per employee ($millions) | 5.4995% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 1,846 |
| Loan loss allowance to noncurrent loans | 2,662.7329% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 5,821 |
| Noncurrent loans to loans | 0.0675% | 5,823 |
| Net loans and leases to total assets | 54.2780% | 4,507 |
| Net loans and leases to deposits | 63.1175% | 4,581 |
| Net loans and leases to core deposits | 74.8921% | 3,743 |
| Total domestic deposits to total assets | 85.9953% | 3,036 |
| Equity capital to assets | 9.8799% | 4,266 |
| Core capital (leverage) ratio | 9.5733% | 4,213 |
| Tier 1 risk-based capital ratio | 14.9961% | 3,645 |
| Total risk-based capital ratio | 16.2504% | 3,587 |
| Memoranda: | ||
| Average total assets | $844,489,000 | 797 |
| Average earning assets | $791,926,670 | 776 |
| Average equity | $81,745,670 | 894 |
| Average total loans | $454,088,330 | 973 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 3,033 |
| Cost of funding earning assets | 0.5267% | 2,639 |
| Net interest margin | 3.6330% | 3,131 |
| Noninterest income to average assets | 0.6400% | 2,516 |
| Noninterest expense to average assets | 2.9125% | 3,166 |
| Loan and lease loss provision to assets | 0.1734% | 1,393 |
| Net operating income to assets | 0.7546% | 3,391 |
| Return on assets (ROA) | 0.7569% | 3,463 |
| Pretax return on assets | 0.9600% | 3,475 |
| Return on Equity (ROE) | 7.9034% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.9034% | 1,631 |
| Net charge-offs to loans | -0.1094% | 6,149 |
| Credit loss provision to net charge-offs | -299.1736% | 5,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0379% | 3,481 |
| Assets per employee ($millions) | 5.3983% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8112% | 2,002 |
| Loan loss allowance to noncurrent loans | 432.1523% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 4,938 |
| Noncurrent loans to loans | 0.4191% | 4,879 |
| Net loans and leases to total assets | 52.2713% | 4,642 |
| Net loans and leases to deposits | 58.7686% | 4,866 |
| Net loans and leases to core deposits | 68.8959% | 4,222 |
| Total domestic deposits to total assets | 88.9442% | 1,699 |
| Equity capital to assets | 9.6032% | 4,350 |
| Core capital (leverage) ratio | 9.5686% | 4,178 |
| Tier 1 risk-based capital ratio | 15.2240% | 3,596 |
| Total risk-based capital ratio | 16.4781% | 3,549 |
| Memoranda: | ||
| Average total assets | $835,022,000 | 816 |
| Average earning assets | $782,168,500 | 794 |
| Average equity | $79,966,000 | 914 |
| Average total loans | $442,521,000 | 999 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 4,063 |
| Cost of funding earning assets | 0.5236% | 3,363 |
| Net interest margin | 3.4843% | 3,965 |
| Noninterest income to average assets | 0.5940% | 3,130 |
| Noninterest expense to average assets | 2.7423% | 3,938 |
| Loan and lease loss provision to assets | 0.1669% | 2,190 |
| Net operating income to assets | 0.7471% | 3,565 |
| Return on assets (ROA) | 0.7560% | 3,604 |
| Pretax return on assets | 0.9458% | 3,579 |
| Return on Equity (ROE) | 7.6820% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.6820% | 1,160 |
| Net charge-offs to loans | 0.2077% | 2,796 |
| Credit loss provision to net charge-offs | 158.6957% | 1,443 |
| Earnings coverage of net charge-offs (x) | 10.4722% | 2,360 |
| Efficiency ratio | 71.3403% | 3,601 |
| Assets per employee ($millions) | 5.2057% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 2,154 |
| Loan loss allowance to noncurrent loans | 157.7878% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7798% | 3,940 |
| Noncurrent loans to loans | 1.1232% | 3,292 |
| Net loans and leases to total assets | 51.8126% | 4,882 |
| Net loans and leases to deposits | 60.4193% | 4,905 |
| Net loans and leases to core deposits | 70.3691% | 4,254 |
| Total domestic deposits to total assets | 85.7550% | 3,387 |
| Equity capital to assets | 9.5490% | 4,348 |
| Core capital (leverage) ratio | 9.5481% | 4,192 |
| Tier 1 risk-based capital ratio | 15.3085% | 3,475 |
| Total risk-based capital ratio | 16.5622% | 3,427 |
| Memoranda: | ||
| Average total assets | $787,068,800 | 849 |
| Average earning assets | $734,144,000 | 826 |
| Average equity | $77,453,800 | 916 |
| Average total loans | $398,745,200 | 1,076 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 4,367 |
| Cost of funding earning assets | 0.5322% | 3,445 |
| Net interest margin | 3.4032% | 4,273 |
| Noninterest income to average assets | 0.5827% | 3,260 |
| Noninterest expense to average assets | 2.7795% | 3,730 |
| Loan and lease loss provision to assets | 0.1235% | 2,748 |
| Net operating income to assets | 0.6936% | 3,892 |
| Return on assets (ROA) | 0.7084% | 3,947 |
| Pretax return on assets | 0.8707% | 4,008 |
| Return on Equity (ROE) | 7.1431% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.1431% | 1,811 |
| Net charge-offs to loans | 0.1480% | 3,061 |
| Credit loss provision to net charge-offs | 166.5127% | 1,439 |
| Earnings coverage of net charge-offs (x) | 13.1547% | 2,058 |
| Efficiency ratio | 74.0134% | 3,069 |
| Assets per employee ($millions) | 5.2645% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 2,200 |
| Loan loss allowance to noncurrent loans | 153.3470% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 3,873 |
| Noncurrent loans to loans | 1.1953% | 3,431 |
| Net loans and leases to total assets | 49.8091% | 5,164 |
| Net loans and leases to deposits | 58.4984% | 5,138 |
| Net loans and leases to core deposits | 66.8909% | 4,635 |
| Total domestic deposits to total assets | 85.1460% | 3,661 |
| Equity capital to assets | 9.5298% | 4,516 |
| Core capital (leverage) ratio | 9.7046% | 4,098 |
| Tier 1 risk-based capital ratio | 15.9204% | 3,242 |
| Total risk-based capital ratio | 17.1748% | 3,188 |
| Memoranda: | ||
| Average total assets | $778,209,000 | 867 |
| Average earning assets | $725,488,500 | 842 |
| Average equity | $77,182,000 | 936 |
| Average total loans | $389,968,500 | 1,103 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 4,402 |
| Cost of funding earning assets | 0.5476% | 3,444 |
| Net interest margin | 3.3728% | 4,294 |
| Noninterest income to average assets | 0.5765% | 3,342 |
| Noninterest expense to average assets | 2.8055% | 3,658 |
| Loan and lease loss provision to assets | 0.1110% | 2,953 |
| Net operating income to assets | 0.6645% | 3,998 |
| Return on assets (ROA) | 0.6704% | 4,120 |
| Pretax return on assets | 0.8108% | 4,272 |
| Return on Equity (ROE) | 6.6682% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.6682% | 2,059 |
| Net charge-offs to loans | 0.1975% | 2,581 |
| Credit loss provision to net charge-offs | 112.6649% | 1,964 |
| Earnings coverage of net charge-offs (x) | 9.2823% | 2,306 |
| Efficiency ratio | 75.4106% | 2,875 |
| Assets per employee ($millions) | 5.0020% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 2,158 |
| Loan loss allowance to noncurrent loans | 117.4441% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.9572% | 3,867 |
| Noncurrent loans to loans | 1.6043% | 2,900 |
| Net loans and leases to total assets | 48.3885% | 5,292 |
| Net loans and leases to deposits | 54.9518% | 5,440 |
| Net loans and leases to core deposits | 62.8780% | 5,021 |
| Total domestic deposits to total assets | 88.0563% | 2,205 |
| Equity capital to assets | 9.7114% | 4,293 |
| Core capital (leverage) ratio | 9.6701% | 3,983 |
| Tier 1 risk-based capital ratio | 16.3658% | 2,998 |
| Total risk-based capital ratio | 17.6203% | 2,959 |
| Memoranda: | ||
| Average total assets | $769,121,330 | 875 |
| Average earning assets | $716,916,330 | 850 |
| Average equity | $77,322,670 | 936 |
| Average total loans | $383,728,330 | 1,113 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 4,078 |
| Cost of funding earning assets | 0.5653% | 3,427 |
| Net interest margin | 3.4444% | 3,938 |
| Noninterest income to average assets | 0.5412% | 3,492 |
| Noninterest expense to average assets | 2.8211% | 3,628 |
| Loan and lease loss provision to assets | 0.1818% | 2,035 |
| Net operating income to assets | 0.6274% | 4,091 |
| Return on assets (ROA) | 0.6318% | 4,224 |
| Pretax return on assets | 0.7518% | 4,366 |
| Return on Equity (ROE) | 6.1771% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.1771% | 2,587 |
| Net charge-offs to loans | -1.0481% | 6,931 |
| Credit loss provision to net charge-offs | -34.5618% | 5,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2410% | 3,051 |
| Assets per employee ($millions) | 4.9101% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2083% | 1,570 |
| Loan loss allowance to noncurrent loans | 60.3968% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 2.2511% | 2,077 |
| Noncurrent loans to loans | 3.6563% | 1,297 |
| Net loans and leases to total assets | 49.4539% | 5,054 |
| Net loans and leases to deposits | 57.4141% | 5,099 |
| Net loans and leases to core deposits | 65.4345% | 4,598 |
| Total domestic deposits to total assets | 86.1355% | 3,455 |
| Equity capital to assets | 10.2518% | 3,853 |
| Core capital (leverage) ratio | 9.7075% | 3,782 |
| Tier 1 risk-based capital ratio | 15.8156% | 3,365 |
| Total risk-based capital ratio | 17.0734% | 3,325 |
| Memoranda: | ||
| Average total assets | $763,525,500 | 888 |
| Average earning assets | $711,176,500 | 863 |
| Average equity | $78,094,500 | 941 |
| Average total loans | $383,176,000 | 1,116 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 4,274 |
| Cost of funding earning assets | 0.6485% | 3,923 |
| Net interest margin | 3.6320% | 3,955 |
| Noninterest income to average assets | 0.6293% | 3,117 |
| Noninterest expense to average assets | 2.8585% | 3,816 |
| Loan and lease loss provision to assets | 0.2849% | 2,379 |
| Net operating income to assets | 0.7208% | 3,636 |
| Return on assets (ROA) | 0.7207% | 3,891 |
| Pretax return on assets | 0.8708% | 4,025 |
| Return on Equity (ROE) | 7.1335% | 3,563 |
| Retained earnings to average equity (ytd only) | 7.1335% | 1,505 |
| Net charge-offs to loans | 0.4819% | 2,313 |
| Credit loss provision to net charge-offs | 117.4586% | 2,451 |
| Earnings coverage of net charge-offs (x) | 4.7652% | 3,262 |
| Efficiency ratio | 71.2068% | 3,592 |
| Assets per employee ($millions) | 4.9421% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9005% | 2,293 |
| Loan loss allowance to noncurrent loans | 55.2674% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.0573% | 2,380 |
| Noncurrent loans to loans | 3.4388% | 1,459 |
| Net loans and leases to total assets | 48.8506% | 5,324 |
| Net loans and leases to deposits | 56.6545% | 5,373 |
| Net loans and leases to core deposits | 63.4286% | 5,023 |
| Total domestic deposits to total assets | 86.2255% | 3,240 |
| Equity capital to assets | 10.2043% | 3,883 |
| Core capital (leverage) ratio | 9.5561% | 4,027 |
| Tier 1 risk-based capital ratio | 16.0016% | 3,166 |
| Total risk-based capital ratio | 17.2565% | 3,113 |
| Memoranda: | ||
| Average total assets | $746,184,000 | 892 |
| Average earning assets | $695,460,000 | 870 |
| Average equity | $75,390,400 | 940 |
| Average total loans | $375,629,600 | 1,111 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 4,323 |
| Cost of funding earning assets | 0.6655% | 4,058 |
| Net interest margin | 3.6659% | 3,939 |
| Noninterest income to average assets | 0.6264% | 3,125 |
| Noninterest expense to average assets | 2.8293% | 3,876 |
| Loan and lease loss provision to assets | 0.3432% | 1,910 |
| Net operating income to assets | 0.7269% | 3,789 |
| Return on assets (ROA) | 0.7269% | 4,038 |
| Pretax return on assets | 0.8758% | 4,207 |
| Return on Equity (ROE) | 7.2134% | 3,689 |
| Retained earnings to average equity (ytd only) | 7.2134% | 2,003 |
| Net charge-offs to loans | 0.3141% | 2,870 |
| Credit loss provision to net charge-offs | 216.4213% | 1,285 |
| Earnings coverage of net charge-offs (x) | 7.6875% | 2,572 |
| Efficiency ratio | 69.8887% | 3,705 |
| Assets per employee ($millions) | 5.0635% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0682% | 1,987 |
| Loan loss allowance to noncurrent loans | 47.3980% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 2.5565% | 2,064 |
| Noncurrent loans to loans | 4.3635% | 1,104 |
| Net loans and leases to total assets | 49.6757% | 5,350 |
| Net loans and leases to deposits | 58.9774% | 5,318 |
| Net loans and leases to core deposits | 66.0593% | 4,947 |
| Total domestic deposits to total assets | 84.2283% | 4,116 |
| Equity capital to assets | 10.2858% | 4,097 |
| Core capital (leverage) ratio | 9.5163% | 4,240 |
| Tier 1 risk-based capital ratio | 15.6803% | 3,438 |
| Total risk-based capital ratio | 16.9370% | 3,398 |
| Memoranda: | ||
| Average total assets | $742,459,750 | 904 |
| Average earning assets | $693,027,750 | 877 |
| Average equity | $74,822,250 | 950 |
| Average total loans | $374,788,000 | 1,125 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 4,369 |
| Cost of funding earning assets | 0.6921% | 4,079 |
| Net interest margin | 3.6608% | 3,988 |
| Noninterest income to average assets | 0.6478% | 2,965 |
| Noninterest expense to average assets | 2.8844% | 3,682 |
| Loan and lease loss provision to assets | 0.3957% | 1,663 |
| Net operating income to assets | 0.6660% | 4,031 |
| Return on assets (ROA) | 0.6660% | 4,290 |
| Pretax return on assets | 0.7814% | 4,541 |
| Return on Equity (ROE) | 6.6554% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.6554% | 2,298 |
| Net charge-offs to loans | 0.4805% | 2,148 |
| Credit loss provision to net charge-offs | 163.4228% | 1,707 |
| Earnings coverage of net charge-offs (x) | 4.8613% | 2,969 |
| Efficiency ratio | 71.0189% | 3,598 |
| Assets per employee ($millions) | 4.8613% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9641% | 2,330 |
| Loan loss allowance to noncurrent loans | 42.1702% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 2.9973% | 1,841 |
| Noncurrent loans to loans | 4.6575% | 1,113 |
| Net loans and leases to total assets | 50.3520% | 5,315 |
| Net loans and leases to deposits | 58.3918% | 5,407 |
| Net loans and leases to core deposits | 65.0041% | 5,108 |
| Total domestic deposits to total assets | 86.2313% | 3,234 |
| Equity capital to assets | 10.2009% | 4,052 |
| Core capital (leverage) ratio | 9.3018% | 4,453 |
| Tier 1 risk-based capital ratio | 15.6299% | 3,373 |
| Total risk-based capital ratio | 16.8860% | 3,331 |
| Memoranda: | ||
| Average total assets | $738,457,670 | 909 |
| Average earning assets | $688,589,330 | 881 |
| Average equity | $73,895,330 | 953 |
| Average total loans | $372,150,330 | 1,137 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 4,398 |
| Cost of funding earning assets | 0.7451% | 3,903 |
| Net interest margin | 3.6372% | 4,100 |
| Noninterest income to average assets | 0.7114% | 2,607 |
| Noninterest expense to average assets | 2.8690% | 3,752 |
| Loan and lease loss provision to assets | 0.5554% | 1,052 |
| Net operating income to assets | 0.5960% | 4,358 |
| Return on assets (ROA) | 0.5960% | 4,575 |
| Pretax return on assets | 0.6751% | 4,871 |
| Return on Equity (ROE) | 6.0147% | 4,284 |
| Retained earnings to average equity (ytd only) | 6.0147% | 2,949 |
| Net charge-offs to loans | 1.1724% | 873 |
| Credit loss provision to net charge-offs | 94.9074% | 2,459 |
| Earnings coverage of net charge-offs (x) | 2.1028% | 3,312 |
| Efficiency ratio | 69.9841% | 3,808 |
| Assets per employee ($millions) | 4.7315% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 2,768 |
| Loan loss allowance to noncurrent loans | 37.6232% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 3.1723% | 1,824 |
| Noncurrent loans to loans | 4.9734% | 1,134 |
| Net loans and leases to total assets | 48.5411% | 5,482 |
| Net loans and leases to deposits | 55.8856% | 5,618 |
| Net loans and leases to core deposits | 61.7554% | 5,347 |
| Total domestic deposits to total assets | 86.8581% | 3,041 |
| Equity capital to assets | 9.9570% | 4,177 |
| Core capital (leverage) ratio | 9.1495% | 4,606 |
| Tier 1 risk-based capital ratio | 15.6135% | 3,387 |
| Total risk-based capital ratio | 16.8683% | 3,353 |
| Memoranda: | ||
| Average total assets | $738,225,500 | 910 |
| Average earning assets | $687,679,500 | 882 |
| Average equity | $73,154,500 | 955 |
| Average total loans | $368,467,500 | 1,145 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 4,390 |
| Cost of funding earning assets | 1.0487% | 3,031 |
| Net interest margin | 3.6176% | 4,664 |
| Noninterest income to average assets | 0.8055% | 2,032 |
| Noninterest expense to average assets | 2.9977% | 3,601 |
| Loan and lease loss provision to assets | 0.3274% | 3,064 |
| Net operating income to assets | 1.2308% | 1,427 |
| Return on assets (ROA) | 1.2310% | 1,529 |
| Pretax return on assets | 0.8313% | 3,863 |
| Return on Equity (ROE) | 13.2623% | 1,105 |
| Retained earnings to average equity (ytd only) | 12.9233% | 234 |
| Net charge-offs to loans | 0.6014% | 2,646 |
| Credit loss provision to net charge-offs | 102.4059% | 3,379 |
| Earnings coverage of net charge-offs (x) | 3.6242% | 3,449 |
| Efficiency ratio | 72.1250% | 3,553 |
| Assets per employee ($millions) | 4.7028% | 2,603 |
| Cash dividends to net income (ytd only)* | 2.5559% | 4,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 2,702 |
| Loan loss allowance to noncurrent loans | 38.0119% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 3.1708% | 1,883 |
| Noncurrent loans to loans | 4.8729% | 1,180 |
| Net loans and leases to total assets | 49.4255% | 5,669 |
| Net loans and leases to deposits | 56.8485% | 5,812 |
| Net loans and leases to core deposits | 63.9553% | 5,467 |
| Total domestic deposits to total assets | 86.9425% | 2,798 |
| Equity capital to assets | 9.8620% | 4,354 |
| Core capital (leverage) ratio | 9.1385% | 4,563 |
| Tier 1 risk-based capital ratio | 15.1647% | 3,536 |
| Total risk-based capital ratio | 16.4195% | 3,499 |
| Memoranda: | ||
| Average total assets | $715,122,800 | 914 |
| Average earning assets | $662,373,600 | 898 |
| Average equity | $66,376,000 | 1,015 |
| Average total loans | $380,102,000 | 1,119 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7120% | 4,400 |
| Cost of funding earning assets | 1.1117% | 2,897 |
| Net interest margin | 3.6003% | 4,765 |
| Noninterest income to average assets | 0.7062% | 2,567 |
| Noninterest expense to average assets | 2.8812% | 4,008 |
| Loan and lease loss provision to assets | 0.4570% | 2,172 |
| Net operating income to assets | 1.3842% | 1,192 |
| Return on assets (ROA) | 1.3844% | 1,267 |
| Pretax return on assets | 0.6998% | 4,480 |
| Return on Equity (ROE) | 15.1618% | 815 |
| Retained earnings to average equity (ytd only) | 14.6986% | 249 |
| Net charge-offs to loans | 0.8422% | 1,889 |
| Credit loss provision to net charge-offs | 100.7042% | 3,340 |
| Earnings coverage of net charge-offs (x) | 2.5489% | 3,851 |
| Efficiency ratio | 71.3561% | 3,679 |
| Assets per employee ($millions) | 4.5554% | 2,835 |
| Cash dividends to net income (ytd only)* | 3.0550% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8353% | 2,814 |
| Loan loss allowance to noncurrent loans | 32.4628% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 4.0984% | 1,494 |
| Noncurrent loans to loans | 5.6535% | 1,033 |
| Net loans and leases to total assets | 51.5503% | 5,501 |
| Net loans and leases to deposits | 59.5580% | 5,685 |
| Net loans and leases to core deposits | 67.6840% | 5,212 |
| Total domestic deposits to total assets | 86.5548% | 2,905 |
| Equity capital to assets | 10.0320% | 4,296 |
| Core capital (leverage) ratio | 9.0825% | 4,805 |
| Tier 1 risk-based capital ratio | 14.6797% | 3,847 |
| Total risk-based capital ratio | 15.9343% | 3,822 |
| Memoranda: | ||
| Average total assets | $709,319,250 | 928 |
| Average earning assets | $656,376,000 | 908 |
| Average equity | $64,766,250 | 1,044 |
| Average total loans | $382,174,000 | 1,129 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 4,624 |
| Cost of funding earning assets | 1.1909% | 2,637 |
| Net interest margin | 3.4886% | 5,213 |
| Noninterest income to average assets | 0.6988% | 2,555 |
| Noninterest expense to average assets | 2.8453% | 4,245 |
| Loan and lease loss provision to assets | 0.4881% | 2,017 |
| Net operating income to assets | 0.6018% | 4,058 |
| Return on assets (ROA) | 0.6021% | 4,193 |
| Pretax return on assets | 0.6021% | 4,734 |
| Return on Equity (ROE) | 6.8188% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.0999% | 2,361 |
| Net charge-offs to loans | 0.9154% | 1,700 |
| Credit loss provision to net charge-offs | 98.1282% | 3,214 |
| Earnings coverage of net charge-offs (x) | 2.1912% | 3,744 |
| Efficiency ratio | 72.3043% | 3,671 |
| Assets per employee ($millions) | 4.6363% | 2,629 |
| Cash dividends to net income (ytd only)* | 10.5436% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 3,028 |
| Loan loss allowance to noncurrent loans | 35.9888% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 3.8442% | 1,681 |
| Noncurrent loans to loans | 4.9752% | 1,316 |
| Net loans and leases to total assets | 52.9180% | 5,449 |
| Net loans and leases to deposits | 60.5044% | 5,672 |
| Net loans and leases to core deposits | 69.9612% | 5,080 |
| Total domestic deposits to total assets | 87.4613% | 2,486 |
| Equity capital to assets | 9.3858% | 5,008 |
| Core capital (leverage) ratio | 8.4762% | 5,590 |
| Tier 1 risk-based capital ratio | 13.8147% | 4,296 |
| Total risk-based capital ratio | 15.0691% | 4,266 |
| Memoranda: | ||
| Average total assets | $708,879,670 | 932 |
| Average earning assets | $657,626,330 | 919 |
| Average equity | $62,591,330 | 1,078 |
| Average total loans | $385,170,330 | 1,137 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 4,445 |
| Cost of funding earning assets | 1.2630% | 2,406 |
| Net interest margin | 3.4544% | 5,206 |
| Noninterest income to average assets | 0.6493% | 2,855 |
| Noninterest expense to average assets | 2.8007% | 4,439 |
| Loan and lease loss provision to assets | 0.2459% | 3,204 |
| Net operating income to assets | 0.8034% | 3,016 |
| Return on assets (ROA) | 0.8040% | 3,078 |
| Pretax return on assets | 0.8040% | 3,888 |
| Return on Equity (ROE) | 9.3989% | 2,318 |
| Retained earnings to average equity (ytd only) | 7.9190% | 1,767 |
| Net charge-offs to loans | 0.2970% | 2,863 |
| Credit loss provision to net charge-offs | 151.7361% | 1,888 |
| Earnings coverage of net charge-offs (x) | 6.4757% | 2,096 |
| Efficiency ratio | 72.7459% | 3,722 |
| Assets per employee ($millions) | 4.7452% | 2,501 |
| Cash dividends to net income (ytd only)* | 15.7453% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 2,864 |
| Loan loss allowance to noncurrent loans | 43.2474% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 3.4974% | 1,950 |
| Noncurrent loans to loans | 4.2710% | 1,667 |
| Net loans and leases to total assets | 52.1175% | 5,570 |
| Net loans and leases to deposits | 59.7200% | 5,751 |
| Net loans and leases to core deposits | 69.5109% | 5,111 |
| Total domestic deposits to total assets | 87.2697% | 2,788 |
| Equity capital to assets | 8.7617% | 5,556 |
| Core capital (leverage) ratio | 8.2688% | 5,869 |
| Tier 1 risk-based capital ratio | 13.6220% | 4,339 |
| Total risk-based capital ratio | 14.8769% | 4,305 |
| Memoranda: | ||
| Average total assets | $710,961,000 | 939 |
| Average earning assets | $658,751,000 | 923 |
| Average equity | $60,815,500 | 1,100 |
| Average total loans | $387,895,000 | 1,134 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 5,039 |
| Cost of funding earning assets | 1.6019% | 2,062 |
| Net interest margin | 3.2968% | 5,991 |
| Noninterest income to average assets | 0.6597% | 3,082 |
| Noninterest expense to average assets | 2.8629% | 4,367 |
| Loan and lease loss provision to assets | 0.5149% | 3,091 |
| Net operating income to assets | 0.3901% | 4,587 |
| Return on assets (ROA) | 0.5376% | 4,088 |
| Pretax return on assets | 0.4819% | 4,685 |
| Return on Equity (ROE) | 6.4830% | 3,359 |
| Retained earnings to average equity (ytd only) | 4.1668% | 2,931 |
| Net charge-offs to loans | 0.7938% | 2,654 |
| Credit loss provision to net charge-offs | 108.3309% | 4,083 |
| Earnings coverage of net charge-offs (x) | 1.7867% | 4,377 |
| Efficiency ratio | 77.1230% | 2,852 |
| Assets per employee ($millions) | 4.6720% | 2,593 |
| Cash dividends to net income (ytd only)* | 35.7273% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 3,147 |
| Loan loss allowance to noncurrent loans | 55.1457% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 3.0967% | 2,279 |
| Noncurrent loans to loans | 3.1140% | 2,451 |
| Net loans and leases to total assets | 55.0615% | 5,479 |
| Net loans and leases to deposits | 62.8639% | 5,760 |
| Net loans and leases to core deposits | 73.6842% | 5,021 |
| Total domestic deposits to total assets | 87.5885% | 2,495 |
| Equity capital to assets | 8.3457% | 6,086 |
| Core capital (leverage) ratio | 8.0594% | 6,097 |
| Tier 1 risk-based capital ratio | 12.8667% | 4,715 |
| Total risk-based capital ratio | 14.1206% | 4,679 |
| Memoranda: | ||
| Average total assets | $712,184,000 | 937 |
| Average earning assets | $659,405,600 | 926 |
| Average equity | $59,062,000 | 1,126 |
| Average total loans | $426,449,400 | 1,045 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8963% | 5,282 |
| Cost of funding earning assets | 1.6584% | 2,052 |
| Net interest margin | 3.2379% | 6,220 |
| Noninterest income to average assets | 0.7079% | 2,783 |
| Noninterest expense to average assets | 2.8704% | 4,204 |
| Loan and lease loss provision to assets | 0.2028% | 5,023 |
| Net operating income to assets | 0.6342% | 3,728 |
| Return on assets (ROA) | 0.8072% | 3,114 |
| Pretax return on assets | 0.8072% | 3,876 |
| Return on Equity (ROE) | 9.7494% | 2,230 |
| Retained earnings to average equity (ytd only) | 6.6585% | 2,009 |
| Net charge-offs to loans | 0.2608% | 4,389 |
| Credit loss provision to net charge-offs | 127.8302% | 3,181 |
| Earnings coverage of net charge-offs (x) | 5.2759% | 2,789 |
| Efficiency ratio | 77.4234% | 2,706 |
| Assets per employee ($millions) | 4.7305% | 2,554 |
| Cash dividends to net income (ytd only)* | 31.7033% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 3,380 |
| Loan loss allowance to noncurrent loans | 38.5415% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 3.6249% | 1,967 |
| Noncurrent loans to loans | 4.2490% | 1,715 |
| Net loans and leases to total assets | 56.6862% | 5,457 |
| Net loans and leases to deposits | 65.4461% | 5,732 |
| Net loans and leases to core deposits | 77.0418% | 4,913 |
| Total domestic deposits to total assets | 86.6151% | 2,746 |
| Equity capital to assets | 8.8654% | 5,751 |
| Core capital (leverage) ratio | 8.2309% | 5,993 |
| Tier 1 risk-based capital ratio | 12.5341% | 4,949 |
| Total risk-based capital ratio | 13.7871% | 4,925 |
| Memoranda: | ||
| Average total assets | $712,693,500 | 941 |
| Average earning assets | $660,206,750 | 930 |
| Average equity | $59,010,750 | 1,133 |
| Average total loans | $433,599,500 | 1,039 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 5,431 |
| Cost of funding earning assets | 1.7117% | 2,055 |
| Net interest margin | 3.1795% | 6,381 |
| Noninterest income to average assets | 0.7031% | 2,686 |
| Noninterest expense to average assets | 2.8247% | 4,377 |
| Loan and lease loss provision to assets | 0.1351% | 5,538 |
| Net operating income to assets | 0.6882% | 3,459 |
| Return on assets (ROA) | 0.9468% | 2,469 |
| Pretax return on assets | 0.9468% | 3,323 |
| Return on Equity (ROE) | 11.7146% | 1,521 |
| Retained earnings to average equity (ytd only) | 8.9601% | 1,119 |
| Net charge-offs to loans | 0.1805% | 4,524 |
| Credit loss provision to net charge-offs | 120.9068% | 3,350 |
| Earnings coverage of net charge-offs (x) | 7.3678% | 2,308 |
| Efficiency ratio | 77.4323% | 2,827 |
| Assets per employee ($millions) | 4.5334% | 2,817 |
| Cash dividends to net income (ytd only)* | 23.5137% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 3,745 |
| Loan loss allowance to noncurrent loans | 62.5519% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 2.8158% | 2,567 |
| Noncurrent loans to loans | 2.4531% | 3,192 |
| Net loans and leases to total assets | 60.1850% | 5,020 |
| Net loans and leases to deposits | 69.4239% | 5,361 |
| Net loans and leases to core deposits | 84.1000% | 4,130 |
| Total domestic deposits to total assets | 86.6921% | 2,709 |
| Equity capital to assets | 8.6073% | 5,998 |
| Core capital (leverage) ratio | 8.0858% | 6,146 |
| Tier 1 risk-based capital ratio | 11.8690% | 5,426 |
| Total risk-based capital ratio | 13.1211% | 5,398 |
| Memoranda: | ||
| Average total assets | $710,580,670 | 947 |
| Average earning assets | $658,159,000 | 939 |
| Average equity | $57,432,670 | 1,151 |
| Average total loans | $440,006,670 | 1,032 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 5,114 |
| Cost of funding earning assets | 1.7773% | 1,983 |
| Net interest margin | 3.2025% | 6,286 |
| Noninterest income to average assets | 0.6031% | 3,260 |
| Noninterest expense to average assets | 2.7344% | 4,745 |
| Loan and lease loss provision to assets | 0.7188% | 1,771 |
| Net operating income to assets | 0.1129% | 5,990 |
| Return on assets (ROA) | 0.4964% | 4,544 |
| Pretax return on assets | 0.4964% | 4,972 |
| Return on Equity (ROE) | 6.3468% | 3,705 |
| Retained earnings to average equity (ytd only) | 1.8380% | 5,011 |
| Net charge-offs to loans | 1.1030% | 1,525 |
| Credit loss provision to net charge-offs | 104.5752% | 3,279 |
| Earnings coverage of net charge-offs (x) | 1.2100% | 4,041 |
| Efficiency ratio | 76.6772% | 3,104 |
| Assets per employee ($millions) | 4.4581% | 3,025 |
| Cash dividends to net income (ytd only)* | 71.0407% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 3,842 |
| Loan loss allowance to noncurrent loans | 63.2395% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 3.0759% | 2,327 |
| Noncurrent loans to loans | 2.3929% | 3,281 |
| Net loans and leases to total assets | 60.6539% | 5,006 |
| Net loans and leases to deposits | 70.3221% | 5,298 |
| Net loans and leases to core deposits | 85.8409% | 3,924 |
| Total domestic deposits to total assets | 86.2516% | 3,007 |
| Equity capital to assets | 8.1829% | 6,453 |
| Core capital (leverage) ratio | 7.6879% | 6,640 |
| Tier 1 risk-based capital ratio | 11.2632% | 5,889 |
| Total risk-based capital ratio | 12.5150% | 5,848 |
| Memoranda: | ||
| Average total assets | $712,265,500 | 969 |
| Average earning assets | $658,984,500 | 954 |
| Average equity | $55,713,000 | 1,195 |
| Average total loans | $443,876,000 | 1,051 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 3,760 |
| Cost of funding earning assets | 1.8861% | 3,534 |
| Net interest margin | 3.6828% | 4,208 |
| Noninterest income to average assets | 0.7751% | 2,539 |
| Noninterest expense to average assets | 3.1611% | 3,507 |
| Loan and lease loss provision to assets | 0.8568% | 2,594 |
| Net operating income to assets | 0.1919% | 4,923 |
| Return on assets (ROA) | 0.3446% | 4,444 |
| Pretax return on assets | 0.3446% | 4,658 |
| Return on Equity (ROE) | 4.3217% | 3,955 |
| Retained earnings to average equity (ytd only) | -1.7615% | 5,451 |
| Net charge-offs to loans | 0.9111% | 2,569 |
| Credit loss provision to net charge-offs | 139.3756% | 3,512 |
| Earnings coverage of net charge-offs (x) | 1.7060% | 4,459 |
| Efficiency ratio | 75.0884% | 3,689 |
| Assets per employee ($millions) | 4.3907% | 3,130 |
| Cash dividends to net income (ytd only)* | 140.7599% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 3,964 |
| Loan loss allowance to noncurrent loans | 45.3570% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 3.3232% | 2,060 |
| Noncurrent loans to loans | 3.2005% | 2,387 |
| Net loans and leases to total assets | 62.1297% | 4,965 |
| Net loans and leases to deposits | 71.8116% | 5,352 |
| Net loans and leases to core deposits | 92.6987% | 4,810 |
| Total domestic deposits to total assets | 86.5176% | 2,754 |
| Equity capital to assets | 7.4644% | 7,057 |
| Core capital (leverage) ratio | 6.8296% | 7,353 |
| Tier 1 risk-based capital ratio | 9.9401% | 6,928 |
| Total risk-based capital ratio | 11.1913% | 6,900 |
| Memoranda: | ||
| Average total assets | $672,132,600 | 1,026 |
| Average earning assets | $626,856,000 | 997 |
| Average equity | $53,589,800 | 1,235 |
| Average total loans | $453,505,600 | 1,057 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7125% | 3,283 |
| Cost of funding earning assets | 1.8811% | 3,982 |
| Net interest margin | 3.8314% | 3,518 |
| Noninterest income to average assets | 0.7832% | 2,524 |
| Noninterest expense to average assets | 3.1235% | 3,567 |
| Loan and lease loss provision to assets | 0.4166% | 3,825 |
| Net operating income to assets | 0.8225% | 2,715 |
| Return on assets (ROA) | 0.8936% | 2,518 |
| Pretax return on assets | 0.8936% | 3,249 |
| Return on Equity (ROE) | 11.0181% | 1,618 |
| Retained earnings to average equity (ytd only) | 3.5849% | 3,282 |
| Net charge-offs to loans | 0.4111% | 3,619 |
| Credit loss provision to net charge-offs | 147.5714% | 3,281 |
| Earnings coverage of net charge-offs (x) | 4.3893% | 3,152 |
| Efficiency ratio | 71.5983% | 4,316 |
| Assets per employee ($millions) | 4.3489% | 3,121 |
| Cash dividends to net income (ytd only)* | 67.4639% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 4,959 |
| Loan loss allowance to noncurrent loans | 192.4587% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 1.5547% | 4,036 |
| Noncurrent loans to loans | 0.6385% | 6,020 |
| Net loans and leases to total assets | 63.3688% | 5,002 |
| Net loans and leases to deposits | 73.7849% | 5,388 |
| Net loans and leases to core deposits | 95.9401% | 4,819 |
| Total domestic deposits to total assets | 85.8831% | 2,758 |
| Equity capital to assets | 7.9396% | 6,902 |
| Core capital (leverage) ratio | 7.5365% | 6,931 |
| Tier 1 risk-based capital ratio | 10.4988% | 6,473 |
| Total risk-based capital ratio | 11.6391% | 6,520 |
| Memoranda: | ||
| Average total assets | $661,243,250 | 1,060 |
| Average earning assets | $617,763,750 | 1,026 |
| Average equity | $53,631,750 | 1,248 |
| Average total loans | $454,080,500 | 1,074 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8325% | 2,888 |
| Cost of funding earning assets | 1.8953% | 4,288 |
| Net interest margin | 3.9372% | 2,939 |
| Noninterest income to average assets | 0.8408% | 2,215 |
| Noninterest expense to average assets | 3.1535% | 3,491 |
| Loan and lease loss provision to assets | 0.3666% | 3,732 |
| Net operating income to assets | 1.0022% | 2,096 |
| Return on assets (ROA) | 1.0881% | 1,890 |
| Pretax return on assets | 1.0881% | 2,675 |
| Return on Equity (ROE) | 13.3122% | 1,119 |
| Retained earnings to average equity (ytd only) | 4.6485% | 2,715 |
| Net charge-offs to loans | 0.1661% | 4,560 |
| Credit loss provision to net charge-offs | 313.7931% | 1,483 |
| Earnings coverage of net charge-offs (x) | 11.7162% | 1,878 |
| Efficiency ratio | 69.7321% | 4,839 |
| Assets per employee ($millions) | 4.2951% | 3,126 |
| Cash dividends to net income (ytd only)* | 65.0812% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 4,769 |
| Loan loss allowance to noncurrent loans | 63.0530% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.5255% | 3,937 |
| Noncurrent loans to loans | 1.9462% | 3,602 |
| Net loans and leases to total assets | 69.2665% | 3,888 |
| Net loans and leases to deposits | 81.1769% | 4,362 |
| Net loans and leases to core deposits | 106.4532% | 3,785 |
| Total domestic deposits to total assets | 85.3279% | 3,096 |
| Equity capital to assets | 8.0395% | 6,705 |
| Core capital (leverage) ratio | 7.7423% | 6,686 |
| Tier 1 risk-based capital ratio | 10.0759% | 6,846 |
| Total risk-based capital ratio | 11.2065% | 6,907 |
| Memoranda: | ||
| Average total assets | $645,368,330 | 1,108 |
| Average earning assets | $603,478,000 | 1,066 |
| Average equity | $52,748,670 | 1,285 |
| Average total loans | $453,844,000 | 1,100 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9167% | 2,721 |
| Cost of funding earning assets | 1.8840% | 4,714 |
| Net interest margin | 4.0327% | 2,524 |
| Noninterest income to average assets | 0.6568% | 3,161 |
| Noninterest expense to average assets | 3.1210% | 3,299 |
| Loan and lease loss provision to assets | 0.2815% | 3,709 |
| Net operating income to assets | 1.0151% | 2,247 |
| Return on assets (ROA) | 1.0151% | 2,390 |
| Pretax return on assets | 1.0151% | 3,291 |
| Return on Equity (ROE) | 12.3143% | 1,564 |
| Retained earnings to average equity (ytd only) | 6.0731% | 2,591 |
| Net charge-offs to loans | 0.0474% | 4,817 |
| Credit loss provision to net charge-offs | 843.3962% | 721 |
| Earnings coverage of net charge-offs (x) | 38.8491% | 873 |
| Efficiency ratio | 70.6486% | 4,441 |
| Assets per employee ($millions) | 4.2315% | 3,208 |
| Cash dividends to net income (ytd only)* | 50.6824% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 4,997 |
| Loan loss allowance to noncurrent loans | 84.9497% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.1247% | 4,430 |
| Noncurrent loans to loans | 1.3751% | 4,254 |
| Net loans and leases to total assets | 69.0305% | 3,908 |
| Net loans and leases to deposits | 81.1071% | 4,434 |
| Net loans and leases to core deposits | 108.6177% | 3,603 |
| Total domestic deposits to total assets | 85.1104% | 3,146 |
| Equity capital to assets | 8.3306% | 6,345 |
| Core capital (leverage) ratio | 8.1365% | 6,212 |
| Tier 1 risk-based capital ratio | 10.2385% | 6,663 |
| Total risk-based capital ratio | 11.3138% | 6,759 |
| Memoranda: | ||
| Average total assets | $635,182,500 | 1,126 |
| Average earning assets | $592,352,500 | 1,092 |
| Average equity | $52,362,000 | 1,306 |
| Average total loans | $447,334,000 | 1,128 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6665% | 2,172 |
| Cost of funding earning assets | 2.4090% | 4,684 |
| Net interest margin | 4.2575% | 2,096 |
| Noninterest income to average assets | 0.8328% | 2,334 |
| Noninterest expense to average assets | 3.0854% | 3,759 |
| Loan and lease loss provision to assets | 0.2572% | 4,342 |
| Net operating income to assets | 0.4398% | 4,993 |
| Return on assets (ROA) | 0.4425% | 4,806 |
| Pretax return on assets | 1.4265% | 1,881 |
| Return on Equity (ROE) | 5.1558% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.6073% | 3,568 |
| Net charge-offs to loans | 0.2426% | 3,835 |
| Credit loss provision to net charge-offs | 152.8986% | 3,423 |
| Earnings coverage of net charge-offs (x) | 9.9824% | 2,598 |
| Efficiency ratio | 64.7538% | 5,382 |
| Assets per employee ($millions) | 4.0975% | 3,314 |
| Cash dividends to net income (ytd only)* | 49.4294% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 5,132 |
| Loan loss allowance to noncurrent loans | 79.7634% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1760% | 3,907 |
| Noncurrent loans to loans | 1.4043% | 3,704 |
| Net loans and leases to total assets | 70.2408% | 3,964 |
| Net loans and leases to deposits | 83.1554% | 4,555 |
| Net loans and leases to core deposits | 112.2414% | 3,539 |
| Total domestic deposits to total assets | 84.4693% | 3,092 |
| Equity capital to assets | 8.1520% | 6,630 |
| Core capital (leverage) ratio | 8.2428% | 6,068 |
| Tier 1 risk-based capital ratio | 10.3419% | 6,375 |
| Total risk-based capital ratio | 11.3636% | 6,474 |
| Memoranda: | ||
| Average total assets | $574,183,400 | 1,172 |
| Average earning assets | $530,292,200 | 1,165 |
| Average equity | $49,284,400 | 1,382 |
| Average total loans | $398,138,800 | 1,219 |