Home > Planters Bank & Trust Company > Performance and Condition Ratios
Planters Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 2,825 |
| Cost of funding earning assets | 1.9833% | 936 |
| Net interest margin | 2.6491% | 3,900 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 2.1124% | 3,377 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.9150% | 2,499 |
| Return on assets (ROA) | 0.9133% | 2,473 |
| Pretax return on assets | 1.1734% | 2,206 |
| Return on Equity (ROE) | 10.4600% | 2,370 |
| Retained earnings to average equity (ytd only) | 6.3872% | 2,096 |
| Net charge-offs to loans | 0.0368% | 1,572 |
| Credit loss provision to net charge-offs | 547.2727% | 632 |
| Earnings coverage of net charge-offs (x) | 57.7273% | 1,210 |
| Efficiency ratio | 61.6562% | 2,878 |
| Assets per employee ($millions) | 8.0016% | 1,439 |
| Cash dividends to net income (ytd only)* | 38.9430% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 3,861 |
| Loan loss allowance to noncurrent loans | 162.6467% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 1,555 |
| Noncurrent loans to loans | 0.5215% | 1,488 |
| Net loans and leases to total assets | 60.5800% | 2,800 |
| Net loans and leases to deposits | 75.5035% | 2,501 |
| Net loans and leases to core deposits | 89.9241% | 2,053 |
| Total domestic deposits to total assets | 80.2400% | 3,422 |
| Equity capital to assets | 9.2609% | 2,505 |
| Core capital (leverage) ratio | 9.9682% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2765% | 1,450 |
| Memoranda: | ||
| Average total assets | $1,968,041,600 | 583 |
| Average earning assets | $1,814,367,000 | 571 |
| Average equity | $171,828,200 | 610 |
| Average total loans | $1,196,090,800 | 633 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5441% | 2,813 |
| Cost of funding earning assets | 1.8216% | 978 |
| Net interest margin | 2.7225% | 3,849 |
| Noninterest income to average assets | 1.0600% | 588 |
| Noninterest expense to average assets | 2.1292% | 3,273 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.0576% | 2,195 |
| Return on assets (ROA) | 1.0533% | 2,198 |
| Pretax return on assets | 1.3234% | 1,965 |
| Return on Equity (ROE) | 12.2600% | 2,063 |
| Retained earnings to average equity (ytd only) | 6.6939% | 2,400 |
| Net charge-offs to loans | 0.0246% | 1,585 |
| Credit loss provision to net charge-offs | 729.6804% | 498 |
| Earnings coverage of net charge-offs (x) | 96.3973% | 933 |
| Efficiency ratio | 59.2192% | 3,059 |
| Assets per employee ($millions) | 7.8983% | 1,397 |
| Cash dividends to net income (ytd only)* | 45.3926% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 3,980 |
| Loan loss allowance to noncurrent loans | 149.4514% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 1,691 |
| Noncurrent loans to loans | 0.5358% | 1,485 |
| Net loans and leases to total assets | 61.1600% | 2,736 |
| Net loans and leases to deposits | 75.4732% | 2,462 |
| Net loans and leases to core deposits | 90.2504% | 1,913 |
| Total domestic deposits to total assets | 81.0400% | 3,378 |
| Equity capital to assets | 8.4125% | 2,779 |
| Core capital (leverage) ratio | 9.9735% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0289% | 1,884 |
| Memoranda: | ||
| Average total assets | $1,951,952,000 | 586 |
| Average earning assets | $1,798,986,000 | 575 |
| Average equity | $167,730,500 | 617 |
| Average total loans | $1,184,648,750 | 636 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 2,818 |
| Cost of funding earning assets | 1.5897% | 1,089 |
| Net interest margin | 2.8380% | 3,761 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.1049% | 3,331 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.8856% | 2,807 |
| Return on assets (ROA) | 0.8801% | 2,814 |
| Pretax return on assets | 1.0766% | 2,702 |
| Return on Equity (ROE) | 10.1700% | 2,657 |
| Retained earnings to average equity (ytd only) | 1.7923% | 3,760 |
| Net charge-offs to loans | 0.0340% | 1,216 |
| Credit loss provision to net charge-offs | 425.2525% | 709 |
| Earnings coverage of net charge-offs (x) | 57.5657% | 1,213 |
| Efficiency ratio | 63.6289% | 2,529 |
| Assets per employee ($millions) | 7.6483% | 1,509 |
| Cash dividends to net income (ytd only)* | 82.3723% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7554% | 4,094 |
| Loan loss allowance to noncurrent loans | 175.8785% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 1,852 |
| Noncurrent loans to loans | 0.4295% | 1,648 |
| Net loans and leases to total assets | 61.0800% | 2,662 |
| Net loans and leases to deposits | 75.2357% | 2,388 |
| Net loans and leases to core deposits | 90.8443% | 1,745 |
| Total domestic deposits to total assets | 81.1800% | 3,396 |
| Equity capital to assets | 8.4886% | 2,876 |
| Core capital (leverage) ratio | 9.8462% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8181% | 1,971 |
| Memoranda: | ||
| Average total assets | $1,931,250,000 | 578 |
| Average earning assets | $1,781,756,333 | 571 |
| Average equity | $167,163,333 | 614 |
| Average total loans | $1,165,605,667 | 633 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 2,629 |
| Cost of funding earning assets | 1.3058% | 1,216 |
| Net interest margin | 3.0657% | 3,428 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.1685% | 3,192 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9127% | 2,813 |
| Return on assets (ROA) | 0.9152% | 2,763 |
| Pretax return on assets | 1.1313% | 2,621 |
| Return on Equity (ROE) | 10.4700% | 2,641 |
| Retained earnings to average equity (ytd only) | -6.3311% | 4,383 |
| Net charge-offs to loans | 0.0495% | 874 |
| Credit loss provision to net charge-offs | 297.8723% | 698 |
| Earnings coverage of net charge-offs (x) | 42.1844% | 1,172 |
| Efficiency ratio | 63.0412% | 2,562 |
| Assets per employee ($millions) | 11.6153% | 439 |
| Cash dividends to net income (ytd only)* | 160.4768% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 4,140 |
| Loan loss allowance to noncurrent loans | 161.6636% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 1,686 |
| Noncurrent loans to loans | 0.4755% | 1,524 |
| Net loans and leases to total assets | 59.5600% | 2,708 |
| Net loans and leases to deposits | 70.2569% | 2,587 |
| Net loans and leases to core deposits | 81.9705% | 2,115 |
| Total domestic deposits to total assets | 84.7800% | 2,912 |
| Equity capital to assets | 8.7936% | 2,664 |
| Core capital (leverage) ratio | 9.8593% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2183% | 1,900 |
| Memoranda: | ||
| Average total assets | $1,906,419,000 | 599 |
| Average earning assets | $1,757,373,000 | 590 |
| Average equity | $166,669,000 | 626 |
| Average total loans | $1,138,852,000 | 649 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 2,676 |
| Cost of funding earning assets | 0.5478% | 1,116 |
| Net interest margin | 3.0950% | 3,186 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.0579% | 3,422 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9851% | 2,621 |
| Return on assets (ROA) | 0.9855% | 2,572 |
| Pretax return on assets | 1.3190% | 2,020 |
| Return on Equity (ROE) | 11.1100% | 2,438 |
| Retained earnings to average equity (ytd only) | 10.7139% | 956 |
| Net charge-offs to loans | 0.0121% | 1,935 |
| Credit loss provision to net charge-offs | 1,900.8475% | 273 |
| Earnings coverage of net charge-offs (x) | 222.4153% | 603 |
| Efficiency ratio | 58.3660% | 3,283 |
| Assets per employee ($millions) | 7.3786% | 1,701 |
| Cash dividends to net income (ytd only)* | 3.5392% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7280% | 4,168 |
| Loan loss allowance to noncurrent loans | 122.5108% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 1,401 |
| Noncurrent loans to loans | 0.5942% | 1,261 |
| Net loans and leases to total assets | 59.0200% | 2,729 |
| Net loans and leases to deposits | 71.1164% | 2,477 |
| Net loans and leases to core deposits | 86.3281% | 1,726 |
| Total domestic deposits to total assets | 82.9900% | 3,421 |
| Equity capital to assets | 8.6909% | 2,570 |
| Core capital (leverage) ratio | 10.2762% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4871% | 1,787 |
| Memoranda: | ||
| Average total assets | $1,820,540,600 | 601 |
| Average earning assets | $1,673,724,000 | 596 |
| Average equity | $161,537,600 | 635 |
| Average total loans | $971,486,800 | 704 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 2,637 |
| Cost of funding earning assets | 0.4074% | 1,239 |
| Net interest margin | 3.0874% | 2,966 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.0278% | 3,410 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.9933% | 2,497 |
| Return on assets (ROA) | 0.9938% | 2,468 |
| Pretax return on assets | 1.3501% | 1,885 |
| Return on Equity (ROE) | 11.1400% | 2,324 |
| Retained earnings to average equity (ytd only) | 10.6136% | 1,165 |
| Net charge-offs to loans | 0.0104% | 1,728 |
| Credit loss provision to net charge-offs | 2,454.7945% | 209 |
| Earnings coverage of net charge-offs (x) | 274.3288% | 507 |
| Efficiency ratio | 57.3314% | 3,464 |
| Assets per employee ($millions) | 7.3197% | 1,733 |
| Cash dividends to net income (ytd only)* | 4.7286% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 4,188 |
| Loan loss allowance to noncurrent loans | 138.4875% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 1,656 |
| Noncurrent loans to loans | 0.5402% | 1,457 |
| Net loans and leases to total assets | 56.5500% | 2,850 |
| Net loans and leases to deposits | 66.1671% | 2,704 |
| Net loans and leases to core deposits | 73.2531% | 2,407 |
| Total domestic deposits to total assets | 85.4700% | 3,185 |
| Equity capital to assets | 8.5092% | 2,542 |
| Core capital (leverage) ratio | 10.3471% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0633% | 1,688 |
| Memoranda: | ||
| Average total assets | $1,801,597,750 | 610 |
| Average earning assets | $1,656,229,000 | 602 |
| Average equity | $160,720,500 | 652 |
| Average total loans | $932,522,250 | 729 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3353% | 2,624 |
| Cost of funding earning assets | 0.3562% | 1,216 |
| Net interest margin | 2.9791% | 2,943 |
| Noninterest income to average assets | 0.6985% | 1,342 |
| Noninterest expense to average assets | 2.0187% | 3,382 |
| Loan and lease loss provision to assets | 0.1424% | 667 |
| Net operating income to assets | 1.0173% | 2,094 |
| Return on assets (ROA) | 1.0188% | 2,059 |
| Pretax return on assets | 1.2834% | 1,801 |
| Return on Equity (ROE) | 11.2433% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.4612% | 912 |
| Net charge-offs to loans | 0.0129% | 1,528 |
| Credit loss provision to net charge-offs | 2,200.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 219.9828% | 513 |
| Efficiency ratio | 58.1853% | 3,535 |
| Assets per employee ($millions) | 7.2742% | 1,754 |
| Cash dividends to net income (ytd only)* | 6.9559% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 4,215 |
| Loan loss allowance to noncurrent loans | 130.3106% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 1,714 |
| Noncurrent loans to loans | 0.5932% | 1,425 |
| Net loans and leases to total assets | 51.7374% | 3,188 |
| Net loans and leases to deposits | 57.9259% | 3,232 |
| Net loans and leases to core deposits | 62.8007% | 3,050 |
| Total domestic deposits to total assets | 89.3166% | 2,038 |
| Equity capital to assets | 9.0628% | 2,347 |
| Core capital (leverage) ratio | 10.2559% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9603% | 1,441 |
| Memoranda: | ||
| Average total assets | $1,792,154,000 | 608 |
| Average earning assets | $1,650,785,333 | 606 |
| Average equity | $162,390,000 | 654 |
| Average total loans | $895,780,667 | 742 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2077% | 2,665 |
| Cost of funding earning assets | 0.3530% | 1,175 |
| Net interest margin | 2.8547% | 2,976 |
| Noninterest income to average assets | 0.7461% | 1,183 |
| Noninterest expense to average assets | 2.0610% | 3,272 |
| Loan and lease loss provision to assets | 0.1351% | 600 |
| Net operating income to assets | 0.9551% | 2,053 |
| Return on assets (ROA) | 0.9552% | 2,050 |
| Pretax return on assets | 1.1812% | 1,872 |
| Return on Equity (ROE) | 10.5431% | 1,787 |
| Retained earnings to average equity (ytd only) | -2.8308% | 4,299 |
| Net charge-offs to loans | -0.0073% | 3,477 |
| Credit loss provision to net charge-offs | -3,762.5000% | 3,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5648% | 3,427 |
| Assets per employee ($millions) | 7.3523% | 1,771 |
| Cash dividends to net income (ytd only)* | 126.8499% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7723% | 4,288 |
| Loan loss allowance to noncurrent loans | 76.5889% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 1,190 |
| Noncurrent loans to loans | 1.0084% | 901 |
| Net loans and leases to total assets | 47.7867% | 3,406 |
| Net loans and leases to deposits | 53.0437% | 3,493 |
| Net loans and leases to core deposits | 57.5161% | 3,347 |
| Total domestic deposits to total assets | 90.0893% | 1,508 |
| Equity capital to assets | 8.2584% | 3,360 |
| Core capital (leverage) ratio | 8.3300% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9190% | 2,249 |
| Memoranda: | ||
| Average total assets | $1,782,592,000 | 606 |
| Average earning assets | $1,642,907,000 | 611 |
| Average equity | $161,509,000 | 672 |
| Average total loans | $871,466,500 | 747 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1898% | 3,492 |
| Cost of funding earning assets | 0.4164% | 1,425 |
| Net interest margin | 2.7734% | 3,724 |
| Noninterest income to average assets | 0.8856% | 1,245 |
| Noninterest expense to average assets | 2.0824% | 3,433 |
| Loan and lease loss provision to assets | 0.1168% | 1,076 |
| Net operating income to assets | 0.9887% | 2,718 |
| Return on assets (ROA) | 1.0021% | 2,728 |
| Pretax return on assets | 1.2742% | 2,442 |
| Return on Equity (ROE) | 10.3476% | 2,395 |
| Retained earnings to average equity (ytd only) | 10.3476% | 834 |
| Net charge-offs to loans | 0.1117% | 793 |
| Credit loss provision to net charge-offs | 227.9330% | 1,224 |
| Earnings coverage of net charge-offs (x) | 26.8170% | 1,691 |
| Efficiency ratio | 59.8199% | 3,179 |
| Assets per employee ($millions) | 7.1412% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 4,430 |
| Loan loss allowance to noncurrent loans | 65.5633% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 1,204 |
| Noncurrent loans to loans | 1.0595% | 921 |
| Net loans and leases to total assets | 49.2873% | 3,372 |
| Net loans and leases to deposits | 55.7663% | 3,439 |
| Net loans and leases to core deposits | 61.0946% | 3,240 |
| Total domestic deposits to total assets | 88.3818% | 1,840 |
| Equity capital to assets | 9.8793% | 2,774 |
| Core capital (leverage) ratio | 10.8996% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6591% | 1,993 |
| Memoranda: | ||
| Average total assets | $1,397,398,200 | 718 |
| Average earning assets | $1,295,334,600 | 717 |
| Average equity | $135,325,800 | 773 |
| Average total loans | $640,716,800 | 948 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4610% | 2,940 |
| Cost of funding earning assets | 0.4637% | 1,265 |
| Net interest margin | 2.9973% | 3,309 |
| Noninterest income to average assets | 0.9702% | 1,119 |
| Noninterest expense to average assets | 2.1779% | 3,146 |
| Loan and lease loss provision to assets | 0.1546% | 716 |
| Net operating income to assets | 1.1238% | 2,468 |
| Return on assets (ROA) | 1.1357% | 2,480 |
| Pretax return on assets | 1.4357% | 2,192 |
| Return on Equity (ROE) | 11.8082% | 2,114 |
| Retained earnings to average equity (ytd only) | 11.8082% | 876 |
| Net charge-offs to loans | 0.1207% | 653 |
| Credit loss provision to net charge-offs | 287.2865% | 1,028 |
| Earnings coverage of net charge-offs (x) | 29.2732% | 1,538 |
| Efficiency ratio | 57.6069% | 3,335 |
| Assets per employee ($millions) | 5.8878% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,538 |
| Loan loss allowance to noncurrent loans | 63.4564% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7890% | 908 |
| Noncurrent loans to loans | 1.7000% | 592 |
| Net loans and leases to total assets | 42.5983% | 4,053 |
| Net loans and leases to deposits | 47.8251% | 4,127 |
| Net loans and leases to core deposits | 52.5712% | 4,009 |
| Total domestic deposits to total assets | 89.0710% | 1,239 |
| Equity capital to assets | 9.8022% | 3,100 |
| Core capital (leverage) ratio | 9.4578% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3549% | 1,278 |
| Memoranda: | ||
| Average total assets | $1,305,778,750 | 772 |
| Average earning assets | $1,212,341,000 | 774 |
| Average equity | $125,592,750 | 837 |
| Average total loans | $582,034,250 | 1,057 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2297% | 3,617 |
| Cost of funding earning assets | 0.4777% | 1,342 |
| Net interest margin | 2.7520% | 3,882 |
| Noninterest income to average assets | 0.7640% | 1,636 |
| Noninterest expense to average assets | 2.1689% | 3,190 |
| Loan and lease loss provision to assets | 0.1476% | 812 |
| Net operating income to assets | 0.8196% | 3,449 |
| Return on assets (ROA) | 0.8310% | 3,490 |
| Pretax return on assets | 1.0161% | 3,409 |
| Return on Equity (ROE) | 8.6960% | 3,192 |
| Retained earnings to average equity (ytd only) | 8.6960% | 1,820 |
| Net charge-offs to loans | 0.1932% | 445 |
| Credit loss provision to net charge-offs | 169.4346% | 1,116 |
| Earnings coverage of net charge-offs (x) | 13.1996% | 1,703 |
| Efficiency ratio | 64.8750% | 2,315 |
| Assets per employee ($millions) | 6.0348% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,102 |
| Loan loss allowance to noncurrent loans | 58.6807% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 990 |
| Noncurrent loans to loans | 1.5676% | 711 |
| Net loans and leases to total assets | 45.7317% | 3,922 |
| Net loans and leases to deposits | 51.1959% | 4,035 |
| Net loans and leases to core deposits | 56.2776% | 3,871 |
| Total domestic deposits to total assets | 89.3269% | 1,125 |
| Equity capital to assets | 9.6171% | 3,232 |
| Core capital (leverage) ratio | 8.7984% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5066% | 1,470 |
| Memoranda: | ||
| Average total assets | $1,299,450,667 | 775 |
| Average earning assets | $1,206,312,000 | 774 |
| Average equity | $124,171,667 | 846 |
| Average total loans | $585,885,333 | 1,051 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0985% | 3,884 |
| Cost of funding earning assets | 0.4925% | 1,435 |
| Net interest margin | 2.6060% | 4,137 |
| Noninterest income to average assets | 0.7308% | 1,769 |
| Noninterest expense to average assets | 2.2114% | 3,070 |
| Loan and lease loss provision to assets | 0.0834% | 1,560 |
| Net operating income to assets | 0.7390% | 3,604 |
| Return on assets (ROA) | 0.7528% | 3,636 |
| Pretax return on assets | 0.8705% | 3,671 |
| Return on Equity (ROE) | 7.9035% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.9035% | 2,273 |
| Net charge-offs to loans | 0.4592% | 180 |
| Credit loss provision to net charge-offs | 40.7855% | 1,349 |
| Earnings coverage of net charge-offs (x) | 4.5846% | 1,724 |
| Efficiency ratio | 69.7086% | 1,737 |
| Assets per employee ($millions) | 6.1014% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 4,366 |
| Loan loss allowance to noncurrent loans | 47.5972% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8595% | 1,029 |
| Noncurrent loans to loans | 1.7207% | 699 |
| Net loans and leases to total assets | 42.8747% | 4,183 |
| Net loans and leases to deposits | 47.6436% | 4,273 |
| Net loans and leases to core deposits | 51.9449% | 4,196 |
| Total domestic deposits to total assets | 89.9905% | 827 |
| Equity capital to assets | 9.0196% | 3,657 |
| Core capital (leverage) ratio | 8.7465% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8686% | 1,340 |
| Memoranda: | ||
| Average total assets | $1,294,397,000 | 767 |
| Average earning assets | $1,201,231,000 | 769 |
| Average equity | $123,286,500 | 839 |
| Average total loans | $576,606,500 | 1,069 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 3,019 |
| Cost of funding earning assets | 0.7539% | 1,431 |
| Net interest margin | 3.1484% | 3,500 |
| Noninterest income to average assets | 0.8337% | 1,444 |
| Noninterest expense to average assets | 2.4298% | 3,054 |
| Loan and lease loss provision to assets | 0.1499% | 2,498 |
| Net operating income to assets | 0.9488% | 2,484 |
| Return on assets (ROA) | 0.9770% | 2,517 |
| Pretax return on assets | 1.1881% | 2,373 |
| Return on Equity (ROE) | 9.4444% | 2,221 |
| Retained earnings to average equity (ytd only) | 3.7574% | 2,946 |
| Net charge-offs to loans | 0.2341% | 746 |
| Credit loss provision to net charge-offs | 125.8292% | 2,589 |
| Earnings coverage of net charge-offs (x) | 10.9464% | 2,427 |
| Efficiency ratio | 64.6189% | 2,726 |
| Assets per employee ($millions) | 5.5873% | 2,757 |
| Cash dividends to net income (ytd only)* | 60.2151% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 4,172 |
| Loan loss allowance to noncurrent loans | 57.1460% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 1,141 |
| Noncurrent loans to loans | 1.5851% | 832 |
| Net loans and leases to total assets | 45.5622% | 4,153 |
| Net loans and leases to deposits | 51.3441% | 4,254 |
| Net loans and leases to core deposits | 56.3660% | 4,133 |
| Total domestic deposits to total assets | 88.7391% | 1,098 |
| Equity capital to assets | 10.0737% | 3,063 |
| Core capital (leverage) ratio | 9.0895% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2789% | 1,194 |
| Memoranda: | ||
| Average total assets | $1,189,844,800 | 756 |
| Average earning assets | $1,095,874,200 | 752 |
| Average equity | $123,089,000 | 801 |
| Average total loans | $605,338,200 | 967 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 3,320 |
| Cost of funding earning assets | 0.8092% | 1,452 |
| Net interest margin | 3.0713% | 3,808 |
| Noninterest income to average assets | 0.8014% | 1,487 |
| Noninterest expense to average assets | 2.4399% | 3,025 |
| Loan and lease loss provision to assets | 0.1600% | 2,401 |
| Net operating income to assets | 0.8476% | 2,916 |
| Return on assets (ROA) | 0.8851% | 2,876 |
| Pretax return on assets | 1.0718% | 2,850 |
| Return on Equity (ROE) | 8.4974% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.4974% | 1,143 |
| Net charge-offs to loans | 0.2907% | 544 |
| Credit loss provision to net charge-offs | 105.4518% | 2,582 |
| Earnings coverage of net charge-offs (x) | 7.8237% | 2,545 |
| Efficiency ratio | 66.7978% | 2,346 |
| Assets per employee ($millions) | 5.0109% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 4,482 |
| Loan loss allowance to noncurrent loans | 62.0813% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 1,442 |
| Noncurrent loans to loans | 1.2088% | 1,257 |
| Net loans and leases to total assets | 52.7214% | 3,917 |
| Net loans and leases to deposits | 60.1413% | 4,051 |
| Net loans and leases to core deposits | 66.3345% | 3,875 |
| Total domestic deposits to total assets | 87.6625% | 1,364 |
| Equity capital to assets | 10.4931% | 2,796 |
| Core capital (leverage) ratio | 9.5064% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2551% | 1,197 |
| Memoranda: | ||
| Average total assets | $1,177,211,000 | 754 |
| Average earning assets | $1,082,798,500 | 749 |
| Average equity | $122,623,250 | 796 |
| Average total loans | $614,095,000 | 956 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,494 |
| Cost of funding earning assets | 0.8498% | 1,605 |
| Net interest margin | 3.0908% | 3,919 |
| Noninterest income to average assets | 0.8323% | 1,341 |
| Noninterest expense to average assets | 2.4536% | 3,091 |
| Loan and lease loss provision to assets | 0.1795% | 2,224 |
| Net operating income to assets | 0.8572% | 2,845 |
| Return on assets (ROA) | 0.9018% | 2,804 |
| Pretax return on assets | 1.0974% | 2,714 |
| Return on Equity (ROE) | 8.6803% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.6803% | 1,109 |
| Net charge-offs to loans | 0.3311% | 493 |
| Credit loss provision to net charge-offs | 104.5135% | 2,367 |
| Earnings coverage of net charge-offs (x) | 7.1244% | 2,392 |
| Efficiency ratio | 66.2625% | 2,478 |
| Assets per employee ($millions) | 5.3432% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 4,477 |
| Loan loss allowance to noncurrent loans | 59.4333% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 1,545 |
| Noncurrent loans to loans | 1.2530% | 1,246 |
| Net loans and leases to total assets | 52.0934% | 4,024 |
| Net loans and leases to deposits | 59.4420% | 4,142 |
| Net loans and leases to core deposits | 65.4528% | 3,993 |
| Total domestic deposits to total assets | 87.6374% | 1,361 |
| Equity capital to assets | 10.1307% | 3,084 |
| Core capital (leverage) ratio | 9.2688% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9952% | 1,244 |
| Memoranda: | ||
| Average total assets | $1,162,064,667 | 756 |
| Average earning assets | $1,069,164,000 | 751 |
| Average equity | $120,733,000 | 800 |
| Average total loans | $602,302,667 | 956 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 3,248 |
| Cost of funding earning assets | 0.9107% | 1,814 |
| Net interest margin | 3.2790% | 3,646 |
| Noninterest income to average assets | 1.0558% | 767 |
| Noninterest expense to average assets | 2.5536% | 3,123 |
| Loan and lease loss provision to assets | 0.2293% | 1,350 |
| Net operating income to assets | 1.0398% | 2,039 |
| Return on assets (ROA) | 1.0840% | 1,994 |
| Pretax return on assets | 1.3354% | 1,764 |
| Return on Equity (ROE) | 10.2917% | 1,644 |
| Retained earnings to average equity (ytd only) | 10.2917% | 694 |
| Net charge-offs to loans | 0.2761% | 532 |
| Credit loss provision to net charge-offs | 161.4035% | 1,548 |
| Earnings coverage of net charge-offs (x) | 10.6291% | 1,760 |
| Efficiency ratio | 62.3905% | 3,451 |
| Assets per employee ($millions) | 4.9713% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 4,165 |
| Loan loss allowance to noncurrent loans | 65.0464% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 1,627 |
| Noncurrent loans to loans | 1.3629% | 1,179 |
| Net loans and leases to total assets | 49.1154% | 4,282 |
| Net loans and leases to deposits | 56.2605% | 4,357 |
| Net loans and leases to core deposits | 62.8657% | 4,239 |
| Total domestic deposits to total assets | 87.3001% | 1,425 |
| Equity capital to assets | 10.5765% | 3,255 |
| Core capital (leverage) ratio | 9.7260% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0010% | 1,346 |
| Memoranda: | ||
| Average total assets | $1,123,288,500 | 746 |
| Average earning assets | $1,030,425,000 | 742 |
| Average equity | $118,308,500 | 810 |
| Average total loans | $578,152,000 | 966 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 3,110 |
| Cost of funding earning assets | 0.9767% | 1,825 |
| Net interest margin | 3.4761% | 3,519 |
| Noninterest income to average assets | 0.8603% | 1,272 |
| Noninterest expense to average assets | 2.5819% | 3,230 |
| Loan and lease loss provision to assets | 0.0995% | 2,064 |
| Net operating income to assets | 1.0905% | 2,476 |
| Return on assets (ROA) | 1.1063% | 2,510 |
| Pretax return on assets | 1.3582% | 2,303 |
| Return on Equity (ROE) | 10.6437% | 2,028 |
| Retained earnings to average equity (ytd only) | 4.3393% | 2,793 |
| Net charge-offs to loans | 0.2129% | 963 |
| Credit loss provision to net charge-offs | 84.3505% | 2,742 |
| Earnings coverage of net charge-offs (x) | 12.1941% | 2,427 |
| Efficiency ratio | 63.7511% | 3,108 |
| Assets per employee ($millions) | 4.8380% | 2,790 |
| Cash dividends to net income (ytd only)* | 59.2308% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 4,248 |
| Loan loss allowance to noncurrent loans | 60.8828% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 1,518 |
| Noncurrent loans to loans | 1.3426% | 1,111 |
| Net loans and leases to total assets | 53.0348% | 4,141 |
| Net loans and leases to deposits | 60.7747% | 4,255 |
| Net loans and leases to core deposits | 68.2682% | 4,067 |
| Total domestic deposits to total assets | 87.2646% | 1,483 |
| Equity capital to assets | 10.4862% | 3,462 |
| Core capital (leverage) ratio | 9.7873% | 3,742 |
| Tier 1 risk-based capital ratio | 15.7706% | 2,482 |
| Total risk-based capital ratio | 16.4839% | 2,618 |
| Memoranda: | ||
| Average total assets | $1,083,546,000 | 735 |
| Average earning assets | $984,944,200 | 735 |
| Average equity | $112,620,800 | 807 |
| Average total loans | $600,378,000 | 909 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 3,090 |
| Cost of funding earning assets | 0.9842% | 1,832 |
| Net interest margin | 3.5064% | 3,547 |
| Noninterest income to average assets | 0.8502% | 1,275 |
| Noninterest expense to average assets | 2.5631% | 3,266 |
| Loan and lease loss provision to assets | 0.1194% | 1,640 |
| Net operating income to assets | 1.1092% | 2,539 |
| Return on assets (ROA) | 1.1303% | 2,545 |
| Pretax return on assets | 1.3762% | 2,397 |
| Return on Equity (ROE) | 10.8999% | 2,059 |
| Retained earnings to average equity (ytd only) | 10.8999% | 548 |
| Net charge-offs to loans | 0.1952% | 889 |
| Credit loss provision to net charge-offs | 109.3891% | 2,101 |
| Earnings coverage of net charge-offs (x) | 13.4660% | 2,293 |
| Efficiency ratio | 63.0805% | 3,147 |
| Assets per employee ($millions) | 4.6227% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 4,306 |
| Loan loss allowance to noncurrent loans | 69.9752% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.8632% | 1,585 |
| Noncurrent loans to loans | 1.1865% | 1,320 |
| Net loans and leases to total assets | 55.6522% | 4,066 |
| Net loans and leases to deposits | 64.1800% | 4,160 |
| Net loans and leases to core deposits | 71.8898% | 3,958 |
| Total domestic deposits to total assets | 86.7126% | 1,674 |
| Equity capital to assets | 10.8905% | 3,207 |
| Core capital (leverage) ratio | 10.2594% | 3,355 |
| Tier 1 risk-based capital ratio | 15.9364% | 2,463 |
| Total risk-based capital ratio | 16.6708% | 2,601 |
| Memoranda: | ||
| Average total assets | $1,079,878,250 | 739 |
| Average earning assets | $980,177,750 | 742 |
| Average equity | $111,985,750 | 809 |
| Average total loans | $603,663,250 | 912 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 3,207 |
| Cost of funding earning assets | 0.9545% | 1,887 |
| Net interest margin | 3.4877% | 3,637 |
| Noninterest income to average assets | 0.8517% | 1,199 |
| Noninterest expense to average assets | 2.6204% | 3,145 |
| Loan and lease loss provision to assets | 0.0944% | 1,966 |
| Net operating income to assets | 1.0839% | 2,588 |
| Return on assets (ROA) | 1.0933% | 2,620 |
| Pretax return on assets | 1.3159% | 2,498 |
| Return on Equity (ROE) | 10.7246% | 2,086 |
| Retained earnings to average equity (ytd only) | 10.7246% | 597 |
| Net charge-offs to loans | 0.1887% | 881 |
| Credit loss provision to net charge-offs | 89.5944% | 2,137 |
| Earnings coverage of net charge-offs (x) | 13.2769% | 2,110 |
| Efficiency ratio | 64.7170% | 3,015 |
| Assets per employee ($millions) | 4.7009% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 4,396 |
| Loan loss allowance to noncurrent loans | 64.8170% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 1,595 |
| Noncurrent loans to loans | 1.2566% | 1,264 |
| Net loans and leases to total assets | 55.6520% | 4,093 |
| Net loans and leases to deposits | 64.3406% | 4,206 |
| Net loans and leases to core deposits | 71.6005% | 4,033 |
| Total domestic deposits to total assets | 86.4959% | 1,822 |
| Equity capital to assets | 10.6662% | 3,367 |
| Core capital (leverage) ratio | 9.9162% | 3,681 |
| Tier 1 risk-based capital ratio | 15.3785% | 2,666 |
| Total risk-based capital ratio | 16.0894% | 2,825 |
| Memoranda: | ||
| Average total assets | $1,076,183,000 | 737 |
| Average earning assets | $977,443,330 | 742 |
| Average equity | $109,710,670 | 817 |
| Average total loans | $600,808,330 | 916 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 3,348 |
| Cost of funding earning assets | 0.9113% | 1,953 |
| Net interest margin | 3.4566% | 3,730 |
| Noninterest income to average assets | 0.9198% | 998 |
| Noninterest expense to average assets | 2.6410% | 3,079 |
| Loan and lease loss provision to assets | 0.1274% | 1,372 |
| Net operating income to assets | 1.0895% | 2,514 |
| Return on assets (ROA) | 1.0998% | 2,516 |
| Pretax return on assets | 1.3121% | 2,407 |
| Return on Equity (ROE) | 11.0454% | 1,930 |
| Retained earnings to average equity (ytd only) | 11.0454% | 794 |
| Net charge-offs to loans | 0.1458% | 885 |
| Credit loss provision to net charge-offs | 156.8807% | 1,208 |
| Earnings coverage of net charge-offs (x) | 17.5734% | 1,653 |
| Efficiency ratio | 64.4505% | 3,170 |
| Assets per employee ($millions) | 4.7008% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 4,257 |
| Loan loss allowance to noncurrent loans | 61.2186% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 1,512 |
| Noncurrent loans to loans | 1.4307% | 1,134 |
| Net loans and leases to total assets | 52.7195% | 4,290 |
| Net loans and leases to deposits | 59.8278% | 4,422 |
| Net loans and leases to core deposits | 66.3517% | 4,269 |
| Total domestic deposits to total assets | 88.1188% | 1,273 |
| Equity capital to assets | 9.9539% | 3,870 |
| Core capital (leverage) ratio | 9.6246% | 4,004 |
| Tier 1 risk-based capital ratio | 15.2692% | 2,763 |
| Total risk-based capital ratio | 16.0219% | 2,915 |
| Memoranda: | ||
| Average total assets | $1,073,671,000 | 743 |
| Average earning assets | $977,967,500 | 742 |
| Average equity | $106,904,000 | 834 |
| Average total loans | $597,885,500 | 920 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 2,943 |
| Cost of funding earning assets | 0.7188% | 1,969 |
| Net interest margin | 3.6264% | 3,294 |
| Noninterest income to average assets | 0.9662% | 1,022 |
| Noninterest expense to average assets | 2.7506% | 2,857 |
| Loan and lease loss provision to assets | 0.1134% | 1,944 |
| Net operating income to assets | 1.1484% | 2,394 |
| Return on assets (ROA) | 1.1646% | 2,326 |
| Pretax return on assets | 1.3896% | 2,173 |
| Return on Equity (ROE) | 11.7567% | 1,797 |
| Retained earnings to average equity (ytd only) | 5.0867% | 2,719 |
| Net charge-offs to loans | 0.1006% | 1,753 |
| Credit loss provision to net charge-offs | 197.9933% | 1,459 |
| Earnings coverage of net charge-offs (x) | 25.9114% | 1,749 |
| Efficiency ratio | 64.4942% | 3,121 |
| Assets per employee ($millions) | 4.5937% | 3,028 |
| Cash dividends to net income (ytd only)* | 56.7341% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8187% | 4,468 |
| Loan loss allowance to noncurrent loans | 63.1393% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 0.9563% | 1,429 |
| Noncurrent loans to loans | 1.2966% | 1,220 |
| Net loans and leases to total assets | 57.8351% | 3,984 |
| Net loans and leases to deposits | 66.0743% | 4,115 |
| Net loans and leases to core deposits | 72.9439% | 3,924 |
| Total domestic deposits to total assets | 87.5304% | 1,521 |
| Equity capital to assets | 9.9599% | 3,717 |
| Core capital (leverage) ratio | 9.7770% | 3,832 |
| Tier 1 risk-based capital ratio | 14.8596% | 2,901 |
| Total risk-based capital ratio | 15.5936% | 3,058 |
| Memoranda: | ||
| Average total assets | $1,044,340,800 | 737 |
| Average earning assets | $941,182,400 | 746 |
| Average equity | $103,447,200 | 827 |
| Average total loans | $594,275,400 | 905 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 3,203 |
| Cost of funding earning assets | 0.6799% | 1,973 |
| Net interest margin | 3.5498% | 3,524 |
| Noninterest income to average assets | 0.8663% | 1,294 |
| Noninterest expense to average assets | 2.6654% | 3,082 |
| Loan and lease loss provision to assets | 0.1067% | 1,874 |
| Net operating income to assets | 1.0807% | 2,749 |
| Return on assets (ROA) | 1.0959% | 2,702 |
| Pretax return on assets | 1.3067% | 2,599 |
| Return on Equity (ROE) | 11.0792% | 2,145 |
| Retained earnings to average equity (ytd only) | 11.0792% | 638 |
| Net charge-offs to loans | 0.1541% | 1,067 |
| Credit loss provision to net charge-offs | 122.4340% | 1,962 |
| Earnings coverage of net charge-offs (x) | 16.0132% | 2,190 |
| Efficiency ratio | 65.1512% | 3,010 |
| Assets per employee ($millions) | 4.5872% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 4,787 |
| Loan loss allowance to noncurrent loans | 50.7050% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 1,365 |
| Noncurrent loans to loans | 1.4570% | 1,123 |
| Net loans and leases to total assets | 58.6710% | 3,975 |
| Net loans and leases to deposits | 69.1782% | 3,981 |
| Net loans and leases to core deposits | 76.4871% | 3,769 |
| Total domestic deposits to total assets | 84.8114% | 2,680 |
| Equity capital to assets | 10.1731% | 3,471 |
| Core capital (leverage) ratio | 9.9565% | 3,688 |
| Tier 1 risk-based capital ratio | 14.9303% | 2,914 |
| Total risk-based capital ratio | 15.5880% | 3,111 |
| Memoranda: | ||
| Average total assets | $1,043,587,250 | 735 |
| Average earning assets | $939,077,500 | 745 |
| Average equity | $103,230,000 | 828 |
| Average total loans | $590,159,500 | 909 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 3,427 |
| Cost of funding earning assets | 0.6150% | 2,135 |
| Net interest margin | 3.4923% | 3,657 |
| Noninterest income to average assets | 0.8429% | 1,340 |
| Noninterest expense to average assets | 2.7013% | 3,012 |
| Loan and lease loss provision to assets | 0.0957% | 2,017 |
| Net operating income to assets | 0.9918% | 3,063 |
| Return on assets (ROA) | 1.0092% | 2,979 |
| Pretax return on assets | 1.2021% | 2,938 |
| Return on Equity (ROE) | 10.3001% | 2,425 |
| Retained earnings to average equity (ytd only) | 10.3001% | 842 |
| Net charge-offs to loans | 0.2483% | 639 |
| Credit loss provision to net charge-offs | 69.2094% | 2,357 |
| Earnings coverage of net charge-offs (x) | 9.2358% | 2,408 |
| Efficiency ratio | 67.4026% | 2,746 |
| Assets per employee ($millions) | 4.4469% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 4,930 |
| Loan loss allowance to noncurrent loans | 48.8180% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 1,372 |
| Noncurrent loans to loans | 1.4513% | 1,165 |
| Net loans and leases to total assets | 55.7428% | 4,186 |
| Net loans and leases to deposits | 63.9574% | 4,282 |
| Net loans and leases to core deposits | 70.8801% | 4,088 |
| Total domestic deposits to total assets | 87.1562% | 1,771 |
| Equity capital to assets | 9.8364% | 3,786 |
| Core capital (leverage) ratio | 9.6723% | 3,917 |
| Tier 1 risk-based capital ratio | 14.9268% | 2,907 |
| Total risk-based capital ratio | 15.5504% | 3,131 |
| Memoranda: | ||
| Average total assets | $1,042,821,000 | 736 |
| Average earning assets | $936,298,670 | 747 |
| Average equity | $102,173,670 | 838 |
| Average total loans | $580,813,000 | 926 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,470 |
| Cost of funding earning assets | 0.5619% | 2,305 |
| Net interest margin | 3.4772% | 3,618 |
| Noninterest income to average assets | 0.8387% | 1,335 |
| Noninterest expense to average assets | 2.7256% | 2,956 |
| Loan and lease loss provision to assets | 0.0470% | 2,823 |
| Net operating income to assets | 0.9772% | 2,950 |
| Return on assets (ROA) | 0.9895% | 2,921 |
| Pretax return on assets | 1.1785% | 2,848 |
| Return on Equity (ROE) | 10.1196% | 2,372 |
| Retained earnings to average equity (ytd only) | 10.1196% | 1,127 |
| Net charge-offs to loans | 0.2037% | 723 |
| Credit loss provision to net charge-offs | 41.6382% | 2,006 |
| Earnings coverage of net charge-offs (x) | 10.7167% | 1,888 |
| Efficiency ratio | 68.7304% | 2,713 |
| Assets per employee ($millions) | 4.6251% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 4,894 |
| Loan loss allowance to noncurrent loans | 51.4178% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.0513% | 1,486 |
| Noncurrent loans to loans | 1.4777% | 1,198 |
| Net loans and leases to total assets | 52.7849% | 4,381 |
| Net loans and leases to deposits | 59.6609% | 4,499 |
| Net loans and leases to core deposits | 65.0606% | 4,368 |
| Total domestic deposits to total assets | 88.4749% | 1,367 |
| Equity capital to assets | 9.6639% | 3,924 |
| Core capital (leverage) ratio | 9.5224% | 4,044 |
| Tier 1 risk-based capital ratio | 15.2235% | 2,776 |
| Total risk-based capital ratio | 15.8851% | 2,966 |
| Memoranda: | ||
| Average total assets | $1,037,276,000 | 742 |
| Average earning assets | $924,082,500 | 760 |
| Average equity | $101,427,000 | 844 |
| Average total loans | $575,383,500 | 931 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 3,172 |
| Cost of funding earning assets | 0.4810% | 2,494 |
| Net interest margin | 3.5880% | 3,215 |
| Noninterest income to average assets | 0.9171% | 1,224 |
| Noninterest expense to average assets | 2.5957% | 3,461 |
| Loan and lease loss provision to assets | 0.2029% | 1,016 |
| Net operating income to assets | 0.9208% | 2,594 |
| Return on assets (ROA) | 0.9365% | 2,553 |
| Pretax return on assets | 1.4000% | 1,986 |
| Return on Equity (ROE) | 9.5499% | 2,082 |
| Retained earnings to average equity (ytd only) | 3.1334% | 3,422 |
| Net charge-offs to loans | 0.4322% | 563 |
| Credit loss provision to net charge-offs | 84.9840% | 2,867 |
| Earnings coverage of net charge-offs (x) | 6.6162% | 3,162 |
| Efficiency ratio | 61.7002% | 3,984 |
| Assets per employee ($millions) | 4.5139% | 3,157 |
| Cash dividends to net income (ytd only)* | 67.1892% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 4,963 |
| Loan loss allowance to noncurrent loans | 36.4552% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.5133% | 902 |
| Noncurrent loans to loans | 2.0441% | 740 |
| Net loans and leases to total assets | 57.3776% | 4,072 |
| Net loans and leases to deposits | 66.2723% | 4,166 |
| Net loans and leases to core deposits | 72.4616% | 4,018 |
| Total domestic deposits to total assets | 86.5786% | 2,200 |
| Equity capital to assets | 9.8954% | 3,823 |
| Core capital (leverage) ratio | 9.3163% | 4,269 |
| Tier 1 risk-based capital ratio | 14.3096% | 3,193 |
| Total risk-based capital ratio | 14.9741% | 3,424 |
| Memoranda: | ||
| Average total assets | $1,048,912,400 | 705 |
| Average earning assets | $952,464,600 | 709 |
| Average equity | $102,860,200 | 802 |
| Average total loans | $579,357,400 | 889 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,344 |
| Cost of funding earning assets | 0.4779% | 2,447 |
| Net interest margin | 3.5258% | 3,405 |
| Noninterest income to average assets | 0.9098% | 1,243 |
| Noninterest expense to average assets | 2.5144% | 3,686 |
| Loan and lease loss provision to assets | 0.2165% | 862 |
| Net operating income to assets | 1.0026% | 2,541 |
| Return on assets (ROA) | 1.0212% | 2,505 |
| Pretax return on assets | 1.4033% | 2,107 |
| Return on Equity (ROE) | 10.4363% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.4363% | 503 |
| Net charge-offs to loans | 0.4830% | 426 |
| Credit loss provision to net charge-offs | 82.0795% | 2,553 |
| Earnings coverage of net charge-offs (x) | 6.0450% | 3,027 |
| Efficiency ratio | 60.7179% | 4,086 |
| Assets per employee ($millions) | 4.4868% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 5,063 |
| Loan loss allowance to noncurrent loans | 37.8698% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.4575% | 1,053 |
| Noncurrent loans to loans | 1.9353% | 892 |
| Net loans and leases to total assets | 57.4608% | 4,114 |
| Net loans and leases to deposits | 67.4506% | 4,149 |
| Net loans and leases to core deposits | 73.5857% | 4,012 |
| Total domestic deposits to total assets | 85.1895% | 2,639 |
| Equity capital to assets | 10.3765% | 3,509 |
| Core capital (leverage) ratio | 9.4659% | 4,207 |
| Tier 1 risk-based capital ratio | 14.6714% | 3,086 |
| Total risk-based capital ratio | 15.3254% | 3,320 |
| Memoranda: | ||
| Average total assets | $1,054,975,250 | 705 |
| Average earning assets | $957,189,000 | 713 |
| Average equity | $103,226,750 | 799 |
| Average total loans | $576,111,750 | 890 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 3,440 |
| Cost of funding earning assets | 0.4509% | 2,592 |
| Net interest margin | 3.4823% | 3,466 |
| Noninterest income to average assets | 0.8914% | 1,295 |
| Noninterest expense to average assets | 2.5086% | 3,719 |
| Loan and lease loss provision to assets | 0.1710% | 1,142 |
| Net operating income to assets | 0.9861% | 2,498 |
| Return on assets (ROA) | 0.9998% | 2,471 |
| Pretax return on assets | 1.3765% | 2,112 |
| Return on Equity (ROE) | 10.4240% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.4240% | 519 |
| Net charge-offs to loans | 0.4738% | 420 |
| Credit loss provision to net charge-offs | 67.4107% | 2,405 |
| Earnings coverage of net charge-offs (x) | 6.0268% | 2,754 |
| Efficiency ratio | 61.6521% | 4,059 |
| Assets per employee ($millions) | 4.6836% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 5,080 |
| Loan loss allowance to noncurrent loans | 37.9689% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 1.4099% | 1,121 |
| Noncurrent loans to loans | 1.9794% | 852 |
| Net loans and leases to total assets | 54.0559% | 4,386 |
| Net loans and leases to deposits | 63.1931% | 4,415 |
| Net loans and leases to core deposits | 69.0101% | 4,296 |
| Total domestic deposits to total assets | 85.5409% | 2,594 |
| Equity capital to assets | 9.9083% | 4,022 |
| Core capital (leverage) ratio | 9.1216% | 4,583 |
| Tier 1 risk-based capital ratio | 14.5114% | 3,163 |
| Total risk-based capital ratio | 15.1672% | 3,390 |
| Memoranda: | ||
| Average total assets | $1,059,655,000 | 704 |
| Average earning assets | $957,288,330 | 715 |
| Average equity | $101,631,330 | 813 |
| Average total loans | $567,300,330 | 906 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 3,575 |
| Cost of funding earning assets | 0.4392% | 2,620 |
| Net interest margin | 3.4135% | 3,609 |
| Noninterest income to average assets | 0.8912% | 1,271 |
| Noninterest expense to average assets | 2.5133% | 3,766 |
| Loan and lease loss provision to assets | 0.1149% | 1,665 |
| Net operating income to assets | 0.9680% | 2,445 |
| Return on assets (ROA) | 0.9680% | 2,495 |
| Pretax return on assets | 1.3457% | 2,075 |
| Return on Equity (ROE) | 10.2630% | 1,842 |
| Retained earnings to average equity (ytd only) | 10.2630% | 752 |
| Net charge-offs to loans | 0.1781% | 939 |
| Credit loss provision to net charge-offs | 121.6000% | 1,387 |
| Earnings coverage of net charge-offs (x) | 15.4520% | 1,674 |
| Efficiency ratio | 62.7498% | 4,027 |
| Assets per employee ($millions) | 4.9185% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 4,859 |
| Loan loss allowance to noncurrent loans | 35.6019% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.5105% | 1,055 |
| Noncurrent loans to loans | 2.4469% | 644 |
| Net loans and leases to total assets | 50.9408% | 4,597 |
| Net loans and leases to deposits | 57.1135% | 4,754 |
| Net loans and leases to core deposits | 61.9179% | 4,665 |
| Total domestic deposits to total assets | 89.1922% | 1,056 |
| Equity capital to assets | 9.3368% | 4,455 |
| Core capital (leverage) ratio | 8.7874% | 4,967 |
| Tier 1 risk-based capital ratio | 14.4586% | 3,226 |
| Total risk-based capital ratio | 15.2088% | 3,417 |
| Memoranda: | ||
| Average total assets | $1,057,898,000 | 706 |
| Average earning assets | $955,397,000 | 720 |
| Average equity | $99,776,000 | 821 |
| Average total loans | $561,421,500 | 914 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 2,806 |
| Cost of funding earning assets | 0.4672% | 2,381 |
| Net interest margin | 3.6448% | 2,910 |
| Noninterest income to average assets | 0.9168% | 1,357 |
| Noninterest expense to average assets | 2.5992% | 3,677 |
| Loan and lease loss provision to assets | 0.2031% | 1,125 |
| Net operating income to assets | 1.0668% | 2,050 |
| Return on assets (ROA) | 1.0920% | 2,030 |
| Pretax return on assets | 1.4541% | 1,736 |
| Return on Equity (ROE) | 11.3618% | 1,446 |
| Retained earnings to average equity (ytd only) | 4.4952% | 2,705 |
| Net charge-offs to loans | 0.4681% | 532 |
| Credit loss provision to net charge-offs | 80.0954% | 2,971 |
| Earnings coverage of net charge-offs (x) | 6.4017% | 3,179 |
| Efficiency ratio | 61.0967% | 4,400 |
| Assets per employee ($millions) | 4.5944% | 2,972 |
| Cash dividends to net income (ytd only)* | 60.4355% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 4,970 |
| Loan loss allowance to noncurrent loans | 41.7356% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.3777% | 1,248 |
| Noncurrent loans to loans | 2.0249% | 882 |
| Net loans and leases to total assets | 54.3658% | 4,412 |
| Net loans and leases to deposits | 61.0877% | 4,610 |
| Net loans and leases to core deposits | 65.8292% | 4,536 |
| Total domestic deposits to total assets | 88.9964% | 1,123 |
| Equity capital to assets | 9.5307% | 4,239 |
| Core capital (leverage) ratio | 8.9000% | 4,853 |
| Tier 1 risk-based capital ratio | 14.2375% | 3,324 |
| Total risk-based capital ratio | 14.9884% | 3,522 |
| Memoranda: | ||
| Average total assets | $992,449,800 | 731 |
| Average earning assets | $900,190,400 | 732 |
| Average equity | $95,389,800 | 840 |
| Average total loans | $537,693,600 | 923 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 2,685 |
| Cost of funding earning assets | 0.4753% | 2,316 |
| Net interest margin | 3.6735% | 2,817 |
| Noninterest income to average assets | 0.9318% | 1,307 |
| Noninterest expense to average assets | 2.5727% | 3,757 |
| Loan and lease loss provision to assets | 0.2520% | 745 |
| Net operating income to assets | 1.0820% | 2,077 |
| Return on assets (ROA) | 1.1167% | 2,037 |
| Pretax return on assets | 1.4913% | 1,736 |
| Return on Equity (ROE) | 11.5930% | 1,461 |
| Retained earnings to average equity (ytd only) | 11.5930% | 349 |
| Net charge-offs to loans | 0.6870% | 275 |
| Credit loss provision to net charge-offs | 67.9107% | 2,825 |
| Earnings coverage of net charge-offs (x) | 4.5737% | 3,252 |
| Efficiency ratio | 59.8105% | 4,566 |
| Assets per employee ($millions) | 4.5626% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 5,309 |
| Loan loss allowance to noncurrent loans | 57.1170% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0325% | 1,994 |
| Noncurrent loans to loans | 1.3198% | 1,682 |
| Net loans and leases to total assets | 56.6082% | 4,238 |
| Net loans and leases to deposits | 65.1563% | 4,413 |
| Net loans and leases to core deposits | 70.5835% | 4,279 |
| Total domestic deposits to total assets | 86.8806% | 1,944 |
| Equity capital to assets | 10.3229% | 3,780 |
| Core capital (leverage) ratio | 9.3492% | 4,393 |
| Tier 1 risk-based capital ratio | 14.7149% | 3,182 |
| Total risk-based capital ratio | 15.3932% | 3,409 |
| Memoranda: | ||
| Average total assets | $982,129,250 | 741 |
| Average earning assets | $892,376,500 | 739 |
| Average equity | $94,606,750 | 846 |
| Average total loans | $530,420,250 | 929 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 2,977 |
| Cost of funding earning assets | 0.4676% | 2,401 |
| Net interest margin | 3.6069% | 3,076 |
| Noninterest income to average assets | 0.9312% | 1,287 |
| Noninterest expense to average assets | 2.5830% | 3,784 |
| Loan and lease loss provision to assets | 0.2068% | 1,036 |
| Net operating income to assets | 1.0847% | 2,010 |
| Return on assets (ROA) | 1.1196% | 2,004 |
| Pretax return on assets | 1.4763% | 1,751 |
| Return on Equity (ROE) | 11.9249% | 1,352 |
| Retained earnings to average equity (ytd only) | 11.9249% | 337 |
| Net charge-offs to loans | 0.5168% | 417 |
| Credit loss provision to net charge-offs | 75.5858% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.9849% | 2,793 |
| Efficiency ratio | 60.7761% | 4,543 |
| Assets per employee ($millions) | 4.6899% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 5,063 |
| Loan loss allowance to noncurrent loans | 43.5969% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.3702% | 1,440 |
| Noncurrent loans to loans | 1.9927% | 1,000 |
| Net loans and leases to total assets | 54.9324% | 4,420 |
| Net loans and leases to deposits | 63.0257% | 4,569 |
| Net loans and leases to core deposits | 68.4706% | 4,437 |
| Total domestic deposits to total assets | 87.1586% | 1,830 |
| Equity capital to assets | 10.0295% | 4,191 |
| Core capital (leverage) ratio | 8.9822% | 4,846 |
| Tier 1 risk-based capital ratio | 14.5258% | 3,308 |
| Total risk-based capital ratio | 15.3023% | 3,493 |
| Memoranda: | ||
| Average total assets | $967,312,000 | 751 |
| Average earning assets | $882,039,000 | 749 |
| Average equity | $90,818,000 | 883 |
| Average total loans | $512,046,000 | 957 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 3,323 |
| Cost of funding earning assets | 0.4688% | 2,378 |
| Net interest margin | 3.5036% | 3,465 |
| Noninterest income to average assets | 0.8457% | 1,460 |
| Noninterest expense to average assets | 2.5123% | 4,032 |
| Loan and lease loss provision to assets | 0.1493% | 1,417 |
| Net operating income to assets | 1.0713% | 2,011 |
| Return on assets (ROA) | 1.1135% | 1,953 |
| Pretax return on assets | 1.4454% | 1,762 |
| Return on Equity (ROE) | 12.3239% | 1,210 |
| Retained earnings to average equity (ytd only) | 12.3239% | 459 |
| Net charge-offs to loans | 0.1709% | 1,114 |
| Credit loss provision to net charge-offs | 169.4175% | 1,193 |
| Earnings coverage of net charge-offs (x) | 17.4757% | 1,574 |
| Efficiency ratio | 61.6172% | 4,502 |
| Assets per employee ($millions) | 4.9027% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 4,684 |
| Loan loss allowance to noncurrent loans | 44.8128% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 1.4026% | 1,479 |
| Noncurrent loans to loans | 2.2023% | 929 |
| Net loans and leases to total assets | 51.7211% | 4,650 |
| Net loans and leases to deposits | 57.9260% | 4,858 |
| Net loans and leases to core deposits | 62.8867% | 4,763 |
| Total domestic deposits to total assets | 89.2882% | 956 |
| Equity capital to assets | 9.4631% | 4,701 |
| Core capital (leverage) ratio | 9.3049% | 4,486 |
| Tier 1 risk-based capital ratio | 14.2687% | 3,514 |
| Total risk-based capital ratio | 15.1270% | 3,704 |
| Memoranda: | ||
| Average total assets | $935,084,500 | 775 |
| Average earning assets | $855,796,500 | 774 |
| Average equity | $84,486,500 | 940 |
| Average total loans | $482,198,500 | 1,006 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 4,247 |
| Cost of funding earning assets | 0.4898% | 2,258 |
| Net interest margin | 3.2466% | 4,482 |
| Noninterest income to average assets | 0.7556% | 1,952 |
| Noninterest expense to average assets | 2.2184% | 5,012 |
| Loan and lease loss provision to assets | 0.2389% | 804 |
| Net operating income to assets | 1.0339% | 2,195 |
| Return on assets (ROA) | 1.0630% | 2,153 |
| Pretax return on assets | 1.3427% | 2,119 |
| Return on Equity (ROE) | 12.4723% | 1,188 |
| Retained earnings to average equity (ytd only) | 4.6092% | 2,703 |
| Net charge-offs to loans | 0.9681% | 213 |
| Credit loss provision to net charge-offs | 49.7337% | 3,409 |
| Earnings coverage of net charge-offs (x) | 3.2156% | 3,756 |
| Efficiency ratio | 58.8681% | 5,043 |
| Assets per employee ($millions) | 5.2313% | 2,083 |
| Cash dividends to net income (ytd only)* | 63.0445% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 3,020 |
| Loan loss allowance to noncurrent loans | 57.3488% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.2208% | 1,773 |
| Noncurrent loans to loans | 2.2297% | 881 |
| Net loans and leases to total assets | 50.0546% | 4,866 |
| Net loans and leases to deposits | 55.1608% | 5,100 |
| Net loans and leases to core deposits | 60.8383% | 4,933 |
| Total domestic deposits to total assets | 90.7431% | 357 |
| Equity capital to assets | 8.4824% | 5,575 |
| Core capital (leverage) ratio | 8.2995% | 5,605 |
| Tier 1 risk-based capital ratio | 13.6758% | 3,903 |
| Total risk-based capital ratio | 14.7449% | 3,945 |
| Memoranda: | ||
| Average total assets | $820,712,800 | 846 |
| Average earning assets | $760,326,800 | 835 |
| Average equity | $69,946,800 | 1,091 |
| Average total loans | $407,284,000 | 1,136 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 4,222 |
| Cost of funding earning assets | 0.4913% | 2,306 |
| Net interest margin | 3.2689% | 4,458 |
| Noninterest income to average assets | 0.7067% | 2,201 |
| Noninterest expense to average assets | 2.1189% | 5,237 |
| Loan and lease loss provision to assets | 0.2286% | 808 |
| Net operating income to assets | 1.0550% | 2,197 |
| Return on assets (ROA) | 1.0748% | 2,203 |
| Pretax return on assets | 1.4162% | 1,944 |
| Return on Equity (ROE) | 12.5958% | 1,222 |
| Retained earnings to average equity (ytd only) | 12.5958% | 308 |
| Net charge-offs to loans | 1.2299% | 133 |
| Credit loss provision to net charge-offs | 37.6537% | 3,192 |
| Earnings coverage of net charge-offs (x) | 2.6668% | 3,623 |
| Efficiency ratio | 56.6059% | 5,271 |
| Assets per employee ($millions) | 5.1125% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 3,647 |
| Loan loss allowance to noncurrent loans | 57.6901% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 2,047 |
| Noncurrent loans to loans | 2.0827% | 1,100 |
| Net loans and leases to total assets | 49.9704% | 4,934 |
| Net loans and leases to deposits | 55.4108% | 5,163 |
| Net loans and leases to core deposits | 61.0130% | 5,003 |
| Total domestic deposits to total assets | 90.1817% | 504 |
| Equity capital to assets | 9.0214% | 5,292 |
| Core capital (leverage) ratio | 8.6706% | 5,387 |
| Tier 1 risk-based capital ratio | 14.5097% | 3,568 |
| Total risk-based capital ratio | 15.5181% | 3,619 |
| Memoranda: | ||
| Average total assets | $821,869,750 | 859 |
| Average earning assets | $762,070,500 | 836 |
| Average equity | $70,127,500 | 1,090 |
| Average total loans | $405,660,250 | 1,133 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,379 |
| Cost of funding earning assets | 0.4784% | 2,444 |
| Net interest margin | 3.2304% | 4,560 |
| Noninterest income to average assets | 0.6956% | 2,229 |
| Noninterest expense to average assets | 2.1031% | 5,334 |
| Loan and lease loss provision to assets | 0.1971% | 1,006 |
| Net operating income to assets | 1.0597% | 2,102 |
| Return on assets (ROA) | 1.0884% | 2,085 |
| Pretax return on assets | 1.4342% | 1,852 |
| Return on Equity (ROE) | 13.0005% | 1,114 |
| Retained earnings to average equity (ytd only) | 13.0005% | 307 |
| Net charge-offs to loans | 0.6656% | 345 |
| Credit loss provision to net charge-offs | 60.4911% | 2,587 |
| Earnings coverage of net charge-offs (x) | 4.8899% | 2,984 |
| Efficiency ratio | 56.8083% | 5,356 |
| Assets per employee ($millions) | 5.2273% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 1,859 |
| Loan loss allowance to noncurrent loans | 88.5358% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.0249% | 2,456 |
| Noncurrent loans to loans | 1.8257% | 1,389 |
| Net loans and leases to total assets | 49.6858% | 4,963 |
| Net loans and leases to deposits | 55.2553% | 5,173 |
| Net loans and leases to core deposits | 60.7525% | 5,028 |
| Total domestic deposits to total assets | 89.9204% | 694 |
| Equity capital to assets | 8.5465% | 5,647 |
| Core capital (leverage) ratio | 8.2678% | 5,735 |
| Tier 1 risk-based capital ratio | 13.1307% | 4,436 |
| Total risk-based capital ratio | 14.3811% | 4,353 |
| Memoranda: | ||
| Average total assets | $824,866,000 | 855 |
| Average earning assets | $766,275,670 | 835 |
| Average equity | $69,059,000 | 1,110 |
| Average total loans | $403,833,670 | 1,139 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6486% | 4,537 |
| Cost of funding earning assets | 0.4699% | 2,565 |
| Net interest margin | 3.1786% | 4,682 |
| Noninterest income to average assets | 0.6929% | 2,192 |
| Noninterest expense to average assets | 2.1195% | 5,337 |
| Loan and lease loss provision to assets | 0.1402% | 1,465 |
| Net operating income to assets | 1.0525% | 2,023 |
| Return on assets (ROA) | 1.0525% | 2,162 |
| Pretax return on assets | 1.3873% | 1,935 |
| Return on Equity (ROE) | 12.7036% | 1,163 |
| Retained earnings to average equity (ytd only) | 12.7036% | 479 |
| Net charge-offs to loans | 0.6606% | 368 |
| Credit loss provision to net charge-offs | 44.0549% | 2,154 |
| Earnings coverage of net charge-offs (x) | 4.7988% | 2,449 |
| Efficiency ratio | 58.0362% | 5,333 |
| Assets per employee ($millions) | 5.5167% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 1,601 |
| Loan loss allowance to noncurrent loans | 102.4629% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8852% | 2,864 |
| Noncurrent loans to loans | 1.7136% | 1,598 |
| Net loans and leases to total assets | 45.1902% | 5,256 |
| Net loans and leases to deposits | 49.5699% | 5,487 |
| Net loans and leases to core deposits | 54.2793% | 5,354 |
| Total domestic deposits to total assets | 91.1644% | 303 |
| Equity capital to assets | 8.1513% | 5,965 |
| Core capital (leverage) ratio | 7.9783% | 5,956 |
| Tier 1 risk-based capital ratio | 13.9585% | 4,053 |
| Total risk-based capital ratio | 15.2109% | 3,967 |
| Memoranda: | ||
| Average total assets | $824,345,000 | 855 |
| Average earning assets | $766,111,500 | 844 |
| Average equity | $68,295,500 | 1,129 |
| Average total loans | $397,200,000 | 1,159 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 4,408 |
| Cost of funding earning assets | 0.4919% | 2,751 |
| Net interest margin | 3.3340% | 4,460 |
| Noninterest income to average assets | 0.7725% | 1,981 |
| Noninterest expense to average assets | 2.2075% | 5,335 |
| Loan and lease loss provision to assets | 0.1973% | 1,293 |
| Net operating income to assets | 1.1248% | 1,881 |
| Return on assets (ROA) | 1.1425% | 1,871 |
| Pretax return on assets | 1.4832% | 1,607 |
| Return on Equity (ROE) | 13.6054% | 1,014 |
| Retained earnings to average equity (ytd only) | 5.2455% | 2,435 |
| Net charge-offs to loans | 0.2027% | 2,043 |
| Credit loss provision to net charge-offs | 198.4596% | 1,243 |
| Earnings coverage of net charge-offs (x) | 16.6701% | 1,992 |
| Efficiency ratio | 57.0325% | 5,561 |
| Assets per employee ($millions) | 5.1869% | 2,086 |
| Cash dividends to net income (ytd only)* | 61.4456% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 1,505 |
| Loan loss allowance to noncurrent loans | 92.9694% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.0276% | 2,688 |
| Noncurrent loans to loans | 1.9505% | 1,440 |
| Net loans and leases to total assets | 49.6225% | 5,004 |
| Net loans and leases to deposits | 54.6324% | 5,280 |
| Net loans and leases to core deposits | 60.2998% | 5,120 |
| Total domestic deposits to total assets | 90.8299% | 419 |
| Equity capital to assets | 8.4287% | 5,810 |
| Core capital (leverage) ratio | 8.1626% | 5,879 |
| Tier 1 risk-based capital ratio | 13.7131% | 4,289 |
| Total risk-based capital ratio | 14.9669% | 4,221 |
| Memoranda: | ||
| Average total assets | $783,449,000 | 863 |
| Average earning assets | $726,725,200 | 844 |
| Average equity | $65,790,200 | 1,116 |
| Average total loans | $384,235,400 | 1,154 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 4,523 |
| Cost of funding earning assets | 0.4996% | 2,771 |
| Net interest margin | 3.3064% | 4,582 |
| Noninterest income to average assets | 0.7620% | 2,043 |
| Noninterest expense to average assets | 2.0961% | 5,577 |
| Loan and lease loss provision to assets | 0.1113% | 2,185 |
| Net operating income to assets | 1.1556% | 1,844 |
| Return on assets (ROA) | 1.1774% | 1,834 |
| Pretax return on assets | 1.6529% | 1,175 |
| Return on Equity (ROE) | 14.0340% | 974 |
| Retained earnings to average equity (ytd only) | 14.0340% | 249 |
| Net charge-offs to loans | 0.1881% | 1,960 |
| Credit loss provision to net charge-offs | 121.6418% | 1,896 |
| Earnings coverage of net charge-offs (x) | 18.9421% | 1,809 |
| Efficiency ratio | 54.6500% | 5,761 |
| Assets per employee ($millions) | 5.2090% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 2,150 |
| Loan loss allowance to noncurrent loans | 105.0444% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 3,332 |
| Noncurrent loans to loans | 1.5665% | 2,075 |
| Net loans and leases to total assets | 49.9912% | 5,010 |
| Net loans and leases to deposits | 56.4413% | 5,211 |
| Net loans and leases to core deposits | 62.9433% | 4,971 |
| Total domestic deposits to total assets | 88.5721% | 1,465 |
| Equity capital to assets | 8.8263% | 5,525 |
| Core capital (leverage) ratio | 8.6390% | 5,513 |
| Tier 1 risk-based capital ratio | 14.7619% | 3,723 |
| Total risk-based capital ratio | 16.0144% | 3,665 |
| Memoranda: | ||
| Average total assets | $780,911,500 | 871 |
| Average earning assets | $724,522,500 | 849 |
| Average equity | $65,515,250 | 1,128 |
| Average total loans | $380,025,000 | 1,173 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7291% | 4,771 |
| Cost of funding earning assets | 0.4892% | 2,933 |
| Net interest margin | 3.2398% | 4,807 |
| Noninterest income to average assets | 0.7567% | 2,019 |
| Noninterest expense to average assets | 2.1410% | 5,537 |
| Loan and lease loss provision to assets | 0.0880% | 2,560 |
| Net operating income to assets | 1.1004% | 1,940 |
| Return on assets (ROA) | 1.1347% | 1,890 |
| Pretax return on assets | 1.5863% | 1,288 |
| Return on Equity (ROE) | 13.7685% | 1,002 |
| Retained earnings to average equity (ytd only) | 13.7685% | 277 |
| Net charge-offs to loans | 0.2486% | 1,566 |
| Credit loss provision to net charge-offs | 73.8661% | 2,405 |
| Earnings coverage of net charge-offs (x) | 13.6544% | 1,966 |
| Efficiency ratio | 56.7370% | 5,680 |
| Assets per employee ($millions) | 5.1374% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 2,323 |
| Loan loss allowance to noncurrent loans | 97.3323% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 3,349 |
| Noncurrent loans to loans | 1.6842% | 2,061 |
| Net loans and leases to total assets | 48.7411% | 5,111 |
| Net loans and leases to deposits | 55.1796% | 5,269 |
| Net loans and leases to core deposits | 61.5357% | 5,005 |
| Total domestic deposits to total assets | 88.3317% | 1,719 |
| Equity capital to assets | 8.5684% | 5,746 |
| Core capital (leverage) ratio | 8.4093% | 5,736 |
| Tier 1 risk-based capital ratio | 14.4982% | 3,933 |
| Total risk-based capital ratio | 15.7504% | 3,873 |
| Memoranda: | ||
| Average total assets | $777,295,000 | 871 |
| Average earning assets | $722,380,670 | 850 |
| Average equity | $64,059,330 | 1,146 |
| Average total loans | $372,555,670 | 1,185 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 5,029 |
| Cost of funding earning assets | 0.4908% | 3,003 |
| Net interest margin | 3.1528% | 5,080 |
| Noninterest income to average assets | 0.7452% | 1,966 |
| Noninterest expense to average assets | 2.2144% | 5,426 |
| Loan and lease loss provision to assets | 0.0709% | 2,718 |
| Net operating income to assets | 0.9828% | 2,275 |
| Return on assets (ROA) | 1.0335% | 2,143 |
| Pretax return on assets | 1.4599% | 1,550 |
| Return on Equity (ROE) | 12.7984% | 1,210 |
| Retained earnings to average equity (ytd only) | 12.7984% | 513 |
| Net charge-offs to loans | 0.1879% | 1,601 |
| Credit loss provision to net charge-offs | 80.1170% | 1,900 |
| Earnings coverage of net charge-offs (x) | 16.4912% | 1,507 |
| Efficiency ratio | 60.1916% | 5,377 |
| Assets per employee ($millions) | 5.0589% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 2,041 |
| Loan loss allowance to noncurrent loans | 106.0115% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8117% | 3,709 |
| Noncurrent loans to loans | 1.6974% | 2,288 |
| Net loans and leases to total assets | 44.7546% | 5,443 |
| Net loans and leases to deposits | 49.0666% | 5,661 |
| Net loans and leases to core deposits | 54.1998% | 5,485 |
| Total domestic deposits to total assets | 91.2121% | 481 |
| Equity capital to assets | 8.0999% | 5,977 |
| Core capital (leverage) ratio | 7.9931% | 6,124 |
| Tier 1 risk-based capital ratio | 14.7745% | 3,833 |
| Total risk-based capital ratio | 16.0280% | 3,780 |
| Memoranda: | ||
| Average total assets | $772,928,000 | 880 |
| Average earning assets | $717,962,000 | 863 |
| Average equity | $62,414,000 | 1,172 |
| Average total loans | $364,081,500 | 1,217 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 4,670 |
| Cost of funding earning assets | 0.5591% | 3,030 |
| Net interest margin | 3.2764% | 4,750 |
| Noninterest income to average assets | 0.8796% | 1,756 |
| Noninterest expense to average assets | 2.2159% | 5,591 |
| Loan and lease loss provision to assets | 0.1025% | 3,088 |
| Net operating income to assets | 1.1406% | 1,791 |
| Return on assets (ROA) | 1.1492% | 1,826 |
| Pretax return on assets | 1.6059% | 1,152 |
| Return on Equity (ROE) | 13.5181% | 1,063 |
| Retained earnings to average equity (ytd only) | 4.8698% | 2,685 |
| Net charge-offs to loans | 0.2141% | 2,747 |
| Credit loss provision to net charge-offs | 97.2117% | 2,560 |
| Earnings coverage of net charge-offs (x) | 16.0837% | 1,823 |
| Efficiency ratio | 56.5537% | 5,887 |
| Assets per employee ($millions) | 4.8196% | 2,422 |
| Cash dividends to net income (ytd only)* | 63.9758% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 2,171 |
| Loan loss allowance to noncurrent loans | 145.7437% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 4,218 |
| Noncurrent loans to loans | 1.2114% | 3,120 |
| Net loans and leases to total assets | 47.8396% | 5,309 |
| Net loans and leases to deposits | 52.9135% | 5,555 |
| Net loans and leases to core deposits | 58.3949% | 5,356 |
| Total domestic deposits to total assets | 90.4108% | 868 |
| Equity capital to assets | 8.0491% | 5,981 |
| Core capital (leverage) ratio | 8.1573% | 6,011 |
| Tier 1 risk-based capital ratio | 14.1554% | 4,186 |
| Total risk-based capital ratio | 15.4087% | 4,133 |
| Memoranda: | ||
| Average total assets | $748,057,400 | 890 |
| Average earning assets | $692,412,600 | 874 |
| Average equity | $63,596,200 | 1,126 |
| Average total loans | $368,604,000 | 1,159 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 4,693 |
| Cost of funding earning assets | 0.5752% | 3,044 |
| Net interest margin | 3.2659% | 4,768 |
| Noninterest income to average assets | 0.8904% | 1,792 |
| Noninterest expense to average assets | 2.1293% | 5,773 |
| Loan and lease loss provision to assets | 0.1078% | 2,962 |
| Net operating income to assets | 1.1981% | 1,644 |
| Return on assets (ROA) | 1.2100% | 1,675 |
| Pretax return on assets | 1.6912% | 1,114 |
| Return on Equity (ROE) | 14.0427% | 990 |
| Retained earnings to average equity (ytd only) | 14.0427% | 249 |
| Net charge-offs to loans | 0.2109% | 2,563 |
| Credit loss provision to net charge-offs | 103.4305% | 2,269 |
| Earnings coverage of net charge-offs (x) | 17.1047% | 1,754 |
| Efficiency ratio | 54.3456% | 6,079 |
| Assets per employee ($millions) | 4.7199% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 2,445 |
| Loan loss allowance to noncurrent loans | 142.1007% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7430% | 4,248 |
| Noncurrent loans to loans | 1.2325% | 3,348 |
| Net loans and leases to total assets | 49.2566% | 5,218 |
| Net loans and leases to deposits | 54.7876% | 5,473 |
| Net loans and leases to core deposits | 60.7614% | 5,241 |
| Total domestic deposits to total assets | 89.9047% | 1,056 |
| Equity capital to assets | 8.7154% | 5,502 |
| Core capital (leverage) ratio | 8.6430% | 5,611 |
| Tier 1 risk-based capital ratio | 14.9443% | 3,788 |
| Total risk-based capital ratio | 16.1976% | 3,733 |
| Memoranda: | ||
| Average total assets | $745,903,500 | 904 |
| Average earning assets | $690,054,250 | 882 |
| Average equity | $64,269,000 | 1,125 |
| Average total loans | $368,631,250 | 1,161 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 4,788 |
| Cost of funding earning assets | 0.5689% | 3,227 |
| Net interest margin | 3.2421% | 4,795 |
| Noninterest income to average assets | 0.9108% | 1,784 |
| Noninterest expense to average assets | 2.0931% | 5,879 |
| Loan and lease loss provision to assets | 0.1070% | 3,008 |
| Net operating income to assets | 1.2298% | 1,516 |
| Return on assets (ROA) | 1.2470% | 1,559 |
| Pretax return on assets | 1.7398% | 1,039 |
| Return on Equity (ROE) | 14.5282% | 901 |
| Retained earnings to average equity (ytd only) | 14.5282% | 268 |
| Net charge-offs to loans | 0.0382% | 4,146 |
| Credit loss provision to net charge-offs | 570.0000% | 503 |
| Earnings coverage of net charge-offs (x) | 97.1286% | 479 |
| Efficiency ratio | 53.3616% | 6,194 |
| Assets per employee ($millions) | 4.7708% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 2,319 |
| Loan loss allowance to noncurrent loans | 165.3086% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.6328% | 4,650 |
| Noncurrent loans to loans | 1.1096% | 3,714 |
| Net loans and leases to total assets | 48.9950% | 5,223 |
| Net loans and leases to deposits | 54.0524% | 5,515 |
| Net loans and leases to core deposits | 60.1363% | 5,252 |
| Total domestic deposits to total assets | 90.6436% | 683 |
| Equity capital to assets | 8.6280% | 5,640 |
| Core capital (leverage) ratio | 8.3602% | 5,813 |
| Tier 1 risk-based capital ratio | 14.4857% | 4,105 |
| Total risk-based capital ratio | 15.7400% | 4,067 |
| Memoranda: | ||
| Average total assets | $745,957,670 | 902 |
| Average earning assets | $691,472,670 | 877 |
| Average equity | $64,027,330 | 1,141 |
| Average total loans | $366,883,330 | 1,160 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,963 |
| Cost of funding earning assets | 0.5763% | 3,322 |
| Net interest margin | 3.1827% | 4,986 |
| Noninterest income to average assets | 0.8560% | 1,909 |
| Noninterest expense to average assets | 2.1944% | 5,699 |
| Loan and lease loss provision to assets | 0.0693% | 3,474 |
| Net operating income to assets | 1.0922% | 1,887 |
| Return on assets (ROA) | 1.0929% | 1,989 |
| Pretax return on assets | 1.5400% | 1,456 |
| Return on Equity (ROE) | 12.7667% | 1,222 |
| Retained earnings to average equity (ytd only) | 12.7667% | 585 |
| Net charge-offs to loans | 0.0451% | 3,394 |
| Credit loss provision to net charge-offs | 314.6341% | 770 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 503 |
| Efficiency ratio | 57.6233% | 5,896 |
| Assets per employee ($millions) | 5.0357% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8720% | 2,385 |
| Loan loss allowance to noncurrent loans | 136.0197% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 4,639 |
| Noncurrent loans to loans | 1.3762% | 3,502 |
| Net loans and leases to total assets | 45.3100% | 5,512 |
| Net loans and leases to deposits | 49.8614% | 5,796 |
| Net loans and leases to core deposits | 54.8030% | 5,617 |
| Total domestic deposits to total assets | 90.8718% | 580 |
| Equity capital to assets | 8.4400% | 6,068 |
| Core capital (leverage) ratio | 7.9322% | 6,197 |
| Tier 1 risk-based capital ratio | 14.3023% | 4,284 |
| Total risk-based capital ratio | 15.5563% | 4,251 |
| Memoranda: | ||
| Average total assets | $744,430,000 | 906 |
| Average earning assets | $689,215,500 | 889 |
| Average equity | $63,728,500 | 1,160 |
| Average total loans | $363,407,000 | 1,180 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 4,169 |
| Cost of funding earning assets | 0.7060% | 3,451 |
| Net interest margin | 3.5998% | 4,085 |
| Noninterest income to average assets | 0.8350% | 2,103 |
| Noninterest expense to average assets | 2.3284% | 5,612 |
| Loan and lease loss provision to assets | 0.1280% | 4,009 |
| Net operating income to assets | 1.2187% | 1,538 |
| Return on assets (ROA) | 1.2271% | 1,681 |
| Pretax return on assets | 1.7106% | 1,110 |
| Return on Equity (ROE) | 13.5836% | 1,081 |
| Retained earnings to average equity (ytd only) | 4.8670% | 2,794 |
| Net charge-offs to loans | 0.0550% | 5,161 |
| Credit loss provision to net charge-offs | 442.5743% | 550 |
| Earnings coverage of net charge-offs (x) | 63.1683% | 566 |
| Efficiency ratio | 55.9487% | 6,062 |
| Assets per employee ($millions) | 4.3845% | 3,184 |
| Cash dividends to net income (ytd only)* | 64.1699% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 2,764 |
| Loan loss allowance to noncurrent loans | 132.6021% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7394% | 4,624 |
| Noncurrent loans to loans | 1.3185% | 3,633 |
| Net loans and leases to total assets | 50.7103% | 5,074 |
| Net loans and leases to deposits | 55.9826% | 5,447 |
| Net loans and leases to core deposits | 61.6865% | 5,189 |
| Total domestic deposits to total assets | 90.5822% | 670 |
| Equity capital to assets | 8.6885% | 5,855 |
| Core capital (leverage) ratio | 8.1187% | 6,073 |
| Tier 1 risk-based capital ratio | 13.4690% | 4,775 |
| Total risk-based capital ratio | 14.7223% | 4,729 |
| Memoranda: | ||
| Average total assets | $698,464,000 | 941 |
| Average earning assets | $644,223,400 | 935 |
| Average equity | $63,098,200 | 1,126 |
| Average total loans | $367,597,600 | 1,136 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 4,195 |
| Cost of funding earning assets | 0.7314% | 3,502 |
| Net interest margin | 3.6309% | 4,093 |
| Noninterest income to average assets | 0.8086% | 2,201 |
| Noninterest expense to average assets | 2.2416% | 5,844 |
| Loan and lease loss provision to assets | 0.1445% | 3,725 |
| Net operating income to assets | 1.2591% | 1,546 |
| Return on assets (ROA) | 1.2701% | 1,670 |
| Pretax return on assets | 1.7903% | 1,072 |
| Return on Equity (ROE) | 13.9201% | 1,127 |
| Retained earnings to average equity (ytd only) | 13.9201% | 307 |
| Net charge-offs to loans | 0.0586% | 4,840 |
| Credit loss provision to net charge-offs | 465.8385% | 575 |
| Earnings coverage of net charge-offs (x) | 61.8948% | 637 |
| Efficiency ratio | 53.7842% | 6,275 |
| Assets per employee ($millions) | 4.3408% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 3,058 |
| Loan loss allowance to noncurrent loans | 209.2834% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 5,455 |
| Noncurrent loans to loans | 0.8239% | 4,770 |
| Net loans and leases to total assets | 51.7541% | 5,081 |
| Net loans and leases to deposits | 57.7312% | 5,453 |
| Net loans and leases to core deposits | 63.8134% | 5,170 |
| Total domestic deposits to total assets | 89.6468% | 1,047 |
| Equity capital to assets | 9.4920% | 5,217 |
| Core capital (leverage) ratio | 8.8263% | 5,303 |
| Tier 1 risk-based capital ratio | 14.4975% | 4,183 |
| Total risk-based capital ratio | 15.7508% | 4,151 |
| Memoranda: | ||
| Average total assets | $692,219,750 | 958 |
| Average earning assets | $639,128,250 | 950 |
| Average equity | $63,158,750 | 1,135 |
| Average total loans | $366,150,250 | 1,152 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 4,347 |
| Cost of funding earning assets | 0.7303% | 3,770 |
| Net interest margin | 3.6296% | 4,143 |
| Noninterest income to average assets | 0.7897% | 2,236 |
| Noninterest expense to average assets | 2.2937% | 5,760 |
| Loan and lease loss provision to assets | 0.1546% | 3,587 |
| Net operating income to assets | 1.2022% | 1,705 |
| Return on assets (ROA) | 1.2144% | 1,861 |
| Pretax return on assets | 1.7106% | 1,228 |
| Return on Equity (ROE) | 13.4962% | 1,236 |
| Retained earnings to average equity (ytd only) | 13.4962% | 392 |
| Net charge-offs to loans | 0.0280% | 4,986 |
| Credit loss provision to net charge-offs | 1,041.1765% | 314 |
| Earnings coverage of net charge-offs (x) | 124.4902% | 356 |
| Efficiency ratio | 55.2885% | 6,190 |
| Assets per employee ($millions) | 4.1731% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 3,453 |
| Loan loss allowance to noncurrent loans | 213.7394% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 5,488 |
| Noncurrent loans to loans | 0.7682% | 4,971 |
| Net loans and leases to total assets | 54.2872% | 4,748 |
| Net loans and leases to deposits | 61.4647% | 5,074 |
| Net loans and leases to core deposits | 68.3820% | 4,741 |
| Total domestic deposits to total assets | 88.3226% | 1,945 |
| Equity capital to assets | 9.2617% | 5,376 |
| Core capital (leverage) ratio | 8.5854% | 5,537 |
| Tier 1 risk-based capital ratio | 13.6167% | 4,728 |
| Total risk-based capital ratio | 14.8693% | 4,698 |
| Memoranda: | ||
| Average total assets | $687,107,330 | 962 |
| Average earning assets | $634,566,000 | 954 |
| Average equity | $61,824,670 | 1,153 |
| Average total loans | $363,995,330 | 1,156 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 4,601 |
| Cost of funding earning assets | 0.7484% | 3,875 |
| Net interest margin | 3.5836% | 4,334 |
| Noninterest income to average assets | 0.8009% | 2,163 |
| Noninterest expense to average assets | 2.2650% | 5,867 |
| Loan and lease loss provision to assets | 0.1366% | 3,641 |
| Net operating income to assets | 1.2280% | 1,661 |
| Return on assets (ROA) | 1.2436% | 1,800 |
| Pretax return on assets | 1.7256% | 1,242 |
| Return on Equity (ROE) | 14.0315% | 1,174 |
| Retained earnings to average equity (ytd only) | 14.0315% | 560 |
| Net charge-offs to loans | 0.0181% | 4,435 |
| Credit loss provision to net charge-offs | 1,456.2500% | 241 |
| Earnings coverage of net charge-offs (x) | 196.1875% | 184 |
| Efficiency ratio | 55.0843% | 6,218 |
| Assets per employee ($millions) | 4.5019% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 3,298 |
| Loan loss allowance to noncurrent loans | 139.7921% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 5,036 |
| Noncurrent loans to loans | 1.2250% | 4,288 |
| Net loans and leases to total assets | 49.4676% | 5,377 |
| Net loans and leases to deposits | 54.6854% | 5,731 |
| Net loans and leases to core deposits | 60.0258% | 5,524 |
| Total domestic deposits to total assets | 90.4586% | 826 |
| Equity capital to assets | 8.7436% | 5,816 |
| Core capital (leverage) ratio | 8.3170% | 5,852 |
| Tier 1 risk-based capital ratio | 14.0482% | 4,437 |
| Total risk-based capital ratio | 15.3012% | 4,397 |
| Memoranda: | ||
| Average total assets | $682,203,000 | 967 |
| Average earning assets | $629,083,000 | 957 |
| Average equity | $60,464,000 | 1,177 |
| Average total loans | $353,667,000 | 1,188 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 4,539 |
| Cost of funding earning assets | 0.8628% | 4,374 |
| Net interest margin | 3.7695% | 3,985 |
| Noninterest income to average assets | 0.8925% | 1,699 |
| Noninterest expense to average assets | 2.5276% | 5,364 |
| Loan and lease loss provision to assets | 0.1383% | 4,892 |
| Net operating income to assets | 1.2185% | 1,467 |
| Return on assets (ROA) | 1.2280% | 1,541 |
| Pretax return on assets | 1.7029% | 987 |
| Return on Equity (ROE) | 13.6104% | 1,032 |
| Retained earnings to average equity (ytd only) | 4.9033% | 2,719 |
| Net charge-offs to loans | 0.2023% | 4,529 |
| Credit loss provision to net charge-offs | 125.5944% | 2,493 |
| Earnings coverage of net charge-offs (x) | 16.5986% | 1,317 |
| Efficiency ratio | 57.9411% | 6,064 |
| Assets per employee ($millions) | 4.1906% | 3,481 |
| Cash dividends to net income (ytd only)* | 63.9739% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 3,382 |
| Loan loss allowance to noncurrent loans | 107.1809% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 4,642 |
| Noncurrent loans to loans | 1.5387% | 3,848 |
| Net loans and leases to total assets | 52.5647% | 5,224 |
| Net loans and leases to deposits | 58.2882% | 5,671 |
| Net loans and leases to core deposits | 64.7225% | 5,396 |
| Total domestic deposits to total assets | 90.1806% | 888 |
| Equity capital to assets | 8.9897% | 5,560 |
| Core capital (leverage) ratio | 8.2508% | 5,925 |
| Tier 1 risk-based capital ratio | 13.5603% | 4,654 |
| Total risk-based capital ratio | 14.8127% | 4,620 |
| Memoranda: | ||
| Average total assets | $649,203,200 | 999 |
| Average earning assets | $596,441,800 | 987 |
| Average equity | $58,573,000 | 1,160 |
| Average total loans | $353,498,400 | 1,198 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 4,642 |
| Cost of funding earning assets | 0.8861% | 4,502 |
| Net interest margin | 3.7726% | 4,000 |
| Noninterest income to average assets | 0.8919% | 1,679 |
| Noninterest expense to average assets | 2.4762% | 5,542 |
| Loan and lease loss provision to assets | 0.1544% | 4,536 |
| Net operating income to assets | 1.2474% | 1,526 |
| Return on assets (ROA) | 1.2535% | 1,611 |
| Pretax return on assets | 1.7383% | 1,067 |
| Return on Equity (ROE) | 13.8802% | 1,057 |
| Retained earnings to average equity (ytd only) | 13.8802% | 300 |
| Net charge-offs to loans | 0.1815% | 4,346 |
| Credit loss provision to net charge-offs | 155.5094% | 1,999 |
| Earnings coverage of net charge-offs (x) | 18.9791% | 1,277 |
| Efficiency ratio | 56.6979% | 6,184 |
| Assets per employee ($millions) | 4.2360% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 3,436 |
| Loan loss allowance to noncurrent loans | 108.3257% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 4,682 |
| Noncurrent loans to loans | 1.5262% | 3,990 |
| Net loans and leases to total assets | 53.6343% | 5,224 |
| Net loans and leases to deposits | 59.7156% | 5,664 |
| Net loans and leases to core deposits | 66.6533% | 5,348 |
| Total domestic deposits to total assets | 89.8162% | 967 |
| Equity capital to assets | 9.5780% | 4,963 |
| Core capital (leverage) ratio | 8.9863% | 4,957 |
| Tier 1 risk-based capital ratio | 14.3204% | 4,116 |
| Total risk-based capital ratio | 15.5731% | 4,075 |
| Memoranda: | ||
| Average total assets | $645,976,500 | 1,006 |
| Average earning assets | $593,918,500 | 1,001 |
| Average equity | $58,335,750 | 1,164 |
| Average total loans | $353,405,000 | 1,211 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 4,825 |
| Cost of funding earning assets | 0.8912% | 4,749 |
| Net interest margin | 3.7428% | 4,067 |
| Noninterest income to average assets | 0.9078% | 1,623 |
| Noninterest expense to average assets | 2.4840% | 5,603 |
| Loan and lease loss provision to assets | 0.1765% | 4,159 |
| Net operating income to assets | 1.2179% | 1,519 |
| Return on assets (ROA) | 1.2182% | 1,598 |
| Pretax return on assets | 1.6889% | 1,079 |
| Return on Equity (ROE) | 13.7736% | 1,025 |
| Retained earnings to average equity (ytd only) | 13.7736% | 331 |
| Net charge-offs to loans | 0.0477% | 5,177 |
| Credit loss provision to net charge-offs | 675.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 71.3214% | 472 |
| Efficiency ratio | 57.0222% | 6,293 |
| Assets per employee ($millions) | 3.9256% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 3,375 |
| Loan loss allowance to noncurrent loans | 145.7136% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 5,145 |
| Noncurrent loans to loans | 1.1567% | 4,729 |
| Net loans and leases to total assets | 55.2603% | 5,110 |
| Net loans and leases to deposits | 61.2653% | 5,582 |
| Net loans and leases to core deposits | 68.1920% | 5,277 |
| Total domestic deposits to total assets | 90.1985% | 867 |
| Equity capital to assets | 9.2395% | 5,220 |
| Core capital (leverage) ratio | 8.6632% | 5,278 |
| Tier 1 risk-based capital ratio | 13.6399% | 4,423 |
| Total risk-based capital ratio | 14.8930% | 4,402 |
| Memoranda: | ||
| Average total assets | $642,442,000 | 1,021 |
| Average earning assets | $590,673,670 | 1,015 |
| Average equity | $56,818,670 | 1,179 |
| Average total loans | $351,849,330 | 1,228 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 5,132 |
| Cost of funding earning assets | 0.9000% | 4,924 |
| Net interest margin | 3.6592% | 4,287 |
| Noninterest income to average assets | 0.9891% | 1,361 |
| Noninterest expense to average assets | 2.4858% | 5,606 |
| Loan and lease loss provision to assets | 0.1400% | 4,253 |
| Net operating income to assets | 1.2459% | 1,395 |
| Return on assets (ROA) | 1.2504% | 1,442 |
| Pretax return on assets | 1.7349% | 918 |
| Return on Equity (ROE) | 14.4652% | 912 |
| Retained earnings to average equity (ytd only) | 14.4652% | 438 |
| Net charge-offs to loans | 0.0428% | 4,514 |
| Credit loss provision to net charge-offs | 605.4054% | 613 |
| Earnings coverage of net charge-offs (x) | 80.7838% | 383 |
| Efficiency ratio | 57.0854% | 6,372 |
| Assets per employee ($millions) | 4.2673% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 3,266 |
| Loan loss allowance to noncurrent loans | 156.3588% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8123% | 5,283 |
| Noncurrent loans to loans | 1.1019% | 4,855 |
| Net loans and leases to total assets | 50.6922% | 5,755 |
| Net loans and leases to deposits | 55.7921% | 6,152 |
| Net loans and leases to core deposits | 61.9588% | 5,930 |
| Total domestic deposits to total assets | 90.8591% | 696 |
| Equity capital to assets | 8.6363% | 5,732 |
| Core capital (leverage) ratio | 8.4255% | 5,583 |
| Tier 1 risk-based capital ratio | 13.8303% | 4,194 |
| Total risk-based capital ratio | 15.0834% | 4,165 |
| Memoranda: | ||
| Average total assets | $639,805,000 | 1,038 |
| Average earning assets | $588,434,000 | 1,022 |
| Average equity | $55,305,000 | 1,194 |
| Average total loans | $345,741,000 | 1,264 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 3,920 |
| Cost of funding earning assets | 1.1266% | 4,987 |
| Net interest margin | 4.0102% | 2,977 |
| Noninterest income to average assets | 1.0434% | 1,378 |
| Noninterest expense to average assets | 2.6607% | 5,175 |
| Loan and lease loss provision to assets | 0.1841% | 5,390 |
| Net operating income to assets | 1.3398% | 1,083 |
| Return on assets (ROA) | 1.3493% | 1,133 |
| Pretax return on assets | 1.8714% | 648 |
| Return on Equity (ROE) | 14.7696% | 751 |
| Retained earnings to average equity (ytd only) | 5.4748% | 2,128 |
| Net charge-offs to loans | 0.2298% | 4,904 |
| Credit loss provision to net charge-offs | 135.8722% | 2,842 |
| Earnings coverage of net charge-offs (x) | 15.0700% | 1,302 |
| Efficiency ratio | 56.4854% | 6,532 |
| Assets per employee ($millions) | 3.7954% | 4,272 |
| Cash dividends to net income (ytd only)* | 62.9319% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 3,555 |
| Loan loss allowance to noncurrent loans | 144.7631% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.9382% | 5,130 |
| Noncurrent loans to loans | 1.1078% | 4,886 |
| Net loans and leases to total assets | 55.7250% | 5,384 |
| Net loans and leases to deposits | 61.3881% | 5,913 |
| Net loans and leases to core deposits | 68.0966% | 5,653 |
| Total domestic deposits to total assets | 90.7750% | 704 |
| Equity capital to assets | 8.6522% | 5,651 |
| Core capital (leverage) ratio | 8.4315% | 5,479 |
| Tier 1 risk-based capital ratio | 13.0804% | 4,538 |
| Total risk-based capital ratio | 14.3326% | 4,498 |
| Memoranda: | ||
| Average total assets | $600,628,800 | 1,114 |
| Average earning assets | $548,131,200 | 1,106 |
| Average equity | $54,869,400 | 1,218 |
| Average total loans | $354,160,400 | 1,268 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1993% | 3,834 |
| Cost of funding earning assets | 1.1777% | 4,991 |
| Net interest margin | 4.0216% | 3,001 |
| Noninterest income to average assets | 0.9599% | 1,585 |
| Noninterest expense to average assets | 2.5641% | 5,452 |
| Loan and lease loss provision to assets | 0.1922% | 5,118 |
| Net operating income to assets | 1.3451% | 1,237 |
| Return on assets (ROA) | 1.3528% | 1,294 |
| Pretax return on assets | 1.8786% | 802 |
| Return on Equity (ROE) | 14.6070% | 923 |
| Retained earnings to average equity (ytd only) | 14.6070% | 231 |
| Net charge-offs to loans | 0.2079% | 4,698 |
| Credit loss provision to net charge-offs | 155.1537% | 2,472 |
| Earnings coverage of net charge-offs (x) | 16.6294% | 1,376 |
| Efficiency ratio | 55.3580% | 6,638 |
| Assets per employee ($millions) | 3.7092% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 3,687 |
| Loan loss allowance to noncurrent loans | 88.0771% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.3565% | 4,455 |
| Noncurrent loans to loans | 1.7757% | 3,980 |
| Net loans and leases to total assets | 57.5687% | 5,325 |
| Net loans and leases to deposits | 64.1612% | 5,898 |
| Net loans and leases to core deposits | 72.2579% | 5,482 |
| Total domestic deposits to total assets | 89.7250% | 1,009 |
| Equity capital to assets | 9.5397% | 4,781 |
| Core capital (leverage) ratio | 9.0038% | 4,688 |
| Tier 1 risk-based capital ratio | 13.5955% | 4,124 |
| Total risk-based capital ratio | 14.8473% | 4,072 |
| Memoranda: | ||
| Average total assets | $595,175,500 | 1,135 |
| Average earning assets | $542,291,500 | 1,129 |
| Average equity | $55,123,000 | 1,212 |
| Average total loans | $354,573,250 | 1,281 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 3,945 |
| Cost of funding earning assets | 1.1911% | 5,180 |
| Net interest margin | 4.0111% | 2,958 |
| Noninterest income to average assets | 0.8435% | 1,908 |
| Noninterest expense to average assets | 2.5765% | 5,426 |
| Loan and lease loss provision to assets | 0.1928% | 4,951 |
| Net operating income to assets | 1.2428% | 1,446 |
| Return on assets (ROA) | 1.2455% | 1,498 |
| Pretax return on assets | 1.7262% | 1,011 |
| Return on Equity (ROE) | 13.5912% | 1,119 |
| Retained earnings to average equity (ytd only) | 13.5912% | 334 |
| Net charge-offs to loans | 0.2148% | 4,321 |
| Credit loss provision to net charge-offs | 149.7354% | 2,628 |
| Earnings coverage of net charge-offs (x) | 14.8730% | 1,496 |
| Efficiency ratio | 57.2620% | 6,480 |
| Assets per employee ($millions) | 3.5576% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 3,900 |
| Loan loss allowance to noncurrent loans | 75.8164% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.5945% | 4,055 |
| Noncurrent loans to loans | 1.9856% | 3,738 |
| Net loans and leases to total assets | 60.7427% | 4,921 |
| Net loans and leases to deposits | 68.0613% | 5,554 |
| Net loans and leases to core deposits | 76.9139% | 5,090 |
| Total domestic deposits to total assets | 89.2471% | 1,307 |
| Equity capital to assets | 9.3450% | 4,938 |
| Core capital (leverage) ratio | 8.8190% | 4,882 |
| Tier 1 risk-based capital ratio | 13.0031% | 4,442 |
| Total risk-based capital ratio | 14.2546% | 4,396 |
| Memoranda: | ||
| Average total assets | $587,086,330 | 1,156 |
| Average earning assets | $533,961,670 | 1,152 |
| Average equity | $53,799,670 | 1,235 |
| Average total loans | $352,007,330 | 1,307 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 4,343 |
| Cost of funding earning assets | 1.1931% | 5,442 |
| Net interest margin | 3.9473% | 3,117 |
| Noninterest income to average assets | 0.8917% | 1,657 |
| Noninterest expense to average assets | 2.6367% | 5,202 |
| Loan and lease loss provision to assets | 0.1602% | 4,929 |
| Net operating income to assets | 1.2066% | 1,525 |
| Return on assets (ROA) | 1.2066% | 1,599 |
| Pretax return on assets | 1.6796% | 1,097 |
| Return on Equity (ROE) | 13.3023% | 1,193 |
| Retained earnings to average equity (ytd only) | 13.3023% | 582 |
| Net charge-offs to loans | 0.1746% | 3,878 |
| Credit loss provision to net charge-offs | 155.3333% | 2,304 |
| Earnings coverage of net charge-offs (x) | 17.8400% | 1,258 |
| Efficiency ratio | 58.8082% | 6,364 |
| Assets per employee ($millions) | 3.5649% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,477 |
| Loan loss allowance to noncurrent loans | 103.4391% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 4,769 |
| Noncurrent loans to loans | 1.5410% | 4,440 |
| Net loans and leases to total assets | 56.4539% | 5,680 |
| Net loans and leases to deposits | 62.5434% | 6,225 |
| Net loans and leases to core deposits | 70.0534% | 5,912 |
| Total domestic deposits to total assets | 90.2636% | 849 |
| Equity capital to assets | 9.0378% | 5,221 |
| Core capital (leverage) ratio | 8.7153% | 4,997 |
| Tier 1 risk-based capital ratio | 13.2170% | 4,198 |
| Total risk-based capital ratio | 14.4678% | 4,149 |
| Memoranda: | ||
| Average total assets | $581,790,500 | 1,192 |
| Average earning assets | $528,362,000 | 1,202 |
| Average equity | $52,773,000 | 1,271 |
| Average total loans | $343,713,500 | 1,371 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5822% | 3,694 |
| Cost of funding earning assets | 1.5341% | 5,362 |
| Net interest margin | 4.0481% | 2,658 |
| Noninterest income to average assets | 0.9716% | 1,660 |
| Noninterest expense to average assets | 3.1984% | 3,382 |
| Loan and lease loss provision to assets | 0.1455% | 6,197 |
| Net operating income to assets | 0.9857% | 1,887 |
| Return on assets (ROA) | 0.9971% | 1,896 |
| Pretax return on assets | 1.3228% | 1,632 |
| Return on Equity (ROE) | 11.0028% | 1,424 |
| Retained earnings to average equity (ytd only) | 3.5586% | 2,686 |
| Net charge-offs to loans | 0.1919% | 5,448 |
| Credit loss provision to net charge-offs | 125.7716% | 4,156 |
| Earnings coverage of net charge-offs (x) | 12.5648% | 1,498 |
| Efficiency ratio | 68.6260% | 4,900 |
| Assets per employee ($millions) | 3.6425% | 4,664 |
| Cash dividends to net income (ytd only)* | 67.6571% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 3,478 |
| Loan loss allowance to noncurrent loans | 87.5837% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.4274% | 4,276 |
| Noncurrent loans to loans | 1.7696% | 3,982 |
| Net loans and leases to total assets | 59.9269% | 5,350 |
| Net loans and leases to deposits | 66.6271% | 5,986 |
| Net loans and leases to core deposits | 87.1403% | 5,420 |
| Total domestic deposits to total assets | 89.9438% | 991 |
| Equity capital to assets | 9.1054% | 4,978 |
| Core capital (leverage) ratio | 8.6145% | 5,072 |
| Tier 1 risk-based capital ratio | 12.8106% | 4,276 |
| Total risk-based capital ratio | 14.0625% | 4,225 |
| Memoranda: | ||
| Average total assets | $560,312,400 | 1,238 |
| Average earning assets | $509,352,600 | 1,236 |
| Average equity | $50,778,000 | 1,317 |
| Average total loans | $337,753,400 | 1,428 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5998% | 3,865 |
| Cost of funding earning assets | 1.5964% | 5,418 |
| Net interest margin | 4.0035% | 2,801 |
| Noninterest income to average assets | 0.9363% | 1,834 |
| Noninterest expense to average assets | 3.2131% | 3,259 |
| Loan and lease loss provision to assets | 0.1430% | 5,926 |
| Net operating income to assets | 0.8767% | 2,510 |
| Return on assets (ROA) | 0.8671% | 2,614 |
| Pretax return on assets | 1.2093% | 2,236 |
| Return on Equity (ROE) | 9.5794% | 2,072 |
| Retained earnings to average equity (ytd only) | 9.5794% | 712 |
| Net charge-offs to loans | 0.1736% | 5,004 |
| Credit loss provision to net charge-offs | 137.0709% | 3,609 |
| Earnings coverage of net charge-offs (x) | 13.0870% | 1,702 |
| Efficiency ratio | 70.0219% | 4,585 |
| Assets per employee ($millions) | 3.6165% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 3,402 |
| Loan loss allowance to noncurrent loans | 120.9575% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.0925% | 4,895 |
| Noncurrent loans to loans | 1.2452% | 4,862 |
| Net loans and leases to total assets | 60.9117% | 5,440 |
| Net loans and leases to deposits | 70.3039% | 5,876 |
| Net loans and leases to core deposits | 93.7457% | 5,039 |
| Total domestic deposits to total assets | 86.6405% | 2,358 |
| Equity capital to assets | 9.3720% | 4,925 |
| Core capital (leverage) ratio | 8.8963% | 4,817 |
| Tier 1 risk-based capital ratio | 13.0217% | 4,180 |
| Total risk-based capital ratio | 14.2732% | 4,110 |
| Memoranda: | ||
| Average total assets | $558,331,250 | 1,249 |
| Average earning assets | $507,977,750 | 1,250 |
| Average equity | $50,537,500 | 1,345 |
| Average total loans | $335,719,750 | 1,456 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6197% | 3,969 |
| Cost of funding earning assets | 1.6077% | 5,714 |
| Net interest margin | 4.0120% | 2,651 |
| Noninterest income to average assets | 0.9002% | 1,991 |
| Noninterest expense to average assets | 2.7556% | 5,150 |
| Loan and lease loss provision to assets | 0.1968% | 5,091 |
| Net operating income to assets | 1.1377% | 1,638 |
| Return on assets (ROA) | 1.1166% | 1,795 |
| Pretax return on assets | 1.5573% | 1,313 |
| Return on Equity (ROE) | 12.4890% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.4890% | 382 |
| Net charge-offs to loans | 0.1872% | 4,388 |
| Credit loss provision to net charge-offs | 176.6234% | 2,593 |
| Earnings coverage of net charge-offs (x) | 16.0032% | 1,554 |
| Efficiency ratio | 60.5341% | 6,463 |
| Assets per employee ($millions) | 3.2661% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 2,721 |
| Loan loss allowance to noncurrent loans | 114.9936% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 4,642 |
| Noncurrent loans to loans | 1.3948% | 4,421 |
| Net loans and leases to total assets | 59.2983% | 5,794 |
| Net loans and leases to deposits | 66.8998% | 6,308 |
| Net loans and leases to core deposits | 90.4464% | 5,496 |
| Total domestic deposits to total assets | 88.6376% | 1,467 |
| Equity capital to assets | 9.1610% | 5,077 |
| Core capital (leverage) ratio | 8.9767% | 4,672 |
| Tier 1 risk-based capital ratio | 13.4437% | 3,851 |
| Total risk-based capital ratio | 14.6962% | 3,790 |
| Memoranda: | ||
| Average total assets | $552,764,670 | 1,280 |
| Average earning assets | $501,342,330 | 1,283 |
| Average equity | $49,419,330 | 1,394 |
| Average total loans | $329,087,330 | 1,515 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6238% | 4,216 |
| Cost of funding earning assets | 1.6481% | 5,822 |
| Net interest margin | 3.9757% | 2,753 |
| Noninterest income to average assets | 0.8616% | 2,026 |
| Noninterest expense to average assets | 2.8213% | 4,475 |
| Loan and lease loss provision to assets | 0.1620% | 4,863 |
| Net operating income to assets | 1.0533% | 2,124 |
| Return on assets (ROA) | 1.0433% | 2,285 |
| Pretax return on assets | 1.4548% | 1,804 |
| Return on Equity (ROE) | 11.8188% | 1,722 |
| Retained earnings to average equity (ytd only) | 11.8188% | 826 |
| Net charge-offs to loans | 0.1085% | 4,106 |
| Credit loss provision to net charge-offs | 252.2727% | 1,860 |
| Earnings coverage of net charge-offs (x) | 25.3977% | 1,208 |
| Efficiency ratio | 63.1105% | 5,852 |
| Assets per employee ($millions) | 3.2727% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 2,214 |
| Loan loss allowance to noncurrent loans | 101.5437% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 4,227 |
| Noncurrent loans to loans | 1.6528% | 3,796 |
| Net loans and leases to total assets | 55.7734% | 6,273 |
| Net loans and leases to deposits | 61.6905% | 6,758 |
| Net loans and leases to core deposits | 83.0355% | 6,142 |
| Total domestic deposits to total assets | 90.4084% | 635 |
| Equity capital to assets | 8.8472% | 5,554 |
| Core capital (leverage) ratio | 8.7221% | 5,117 |
| Tier 1 risk-based capital ratio | 13.6837% | 3,750 |
| Total risk-based capital ratio | 14.9370% | 3,672 |
| Memoranda: | ||
| Average total assets | $548,265,500 | 1,295 |
| Average earning assets | $495,113,500 | 1,310 |
| Average equity | $48,397,500 | 1,425 |
| Average total loans | $324,358,000 | 1,549 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2851% | 4,048 |
| Cost of funding earning assets | 2.3310% | 5,005 |
| Net interest margin | 3.9541% | 3,341 |
| Noninterest income to average assets | 1.0486% | 1,429 |
| Noninterest expense to average assets | 2.7794% | 4,911 |
| Loan and lease loss provision to assets | 0.1472% | 5,473 |
| Net operating income to assets | 1.2539% | 1,625 |
| Return on assets (ROA) | 1.1757% | 1,784 |
| Pretax return on assets | 1.5930% | 1,403 |
| Return on Equity (ROE) | 12.8985% | 1,355 |
| Retained earnings to average equity (ytd only) | 3.6179% | 2,897 |
| Net charge-offs to loans | 0.2867% | 3,489 |
| Credit loss provision to net charge-offs | 86.4198% | 5,752 |
| Earnings coverage of net charge-offs (x) | 10.8373% | 2,455 |
| Efficiency ratio | 59.9587% | 6,347 |
| Assets per employee ($millions) | 3.3981% | 4,945 |
| Cash dividends to net income (ytd only)* | 71.9512% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 2,365 |
| Loan loss allowance to noncurrent loans | 83.9367% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.3932% | 3,409 |
| Noncurrent loans to loans | 1.8680% | 2,953 |
| Net loans and leases to total assets | 60.7318% | 5,804 |
| Net loans and leases to deposits | 68.2825% | 6,432 |
| Net loans and leases to core deposits | 91.7338% | 5,664 |
| Total domestic deposits to total assets | 88.9420% | 1,069 |
| Equity capital to assets | 8.8067% | 5,642 |
| Core capital (leverage) ratio | 9.0277% | 4,702 |
| Tier 1 risk-based capital ratio | 12.9708% | 4,130 |
| Total risk-based capital ratio | 14.2232% | 4,048 |
| Memoranda: | ||
| Average total assets | $523,096,200 | 1,291 |
| Average earning assets | $473,179,400 | 1,306 |
| Average equity | $47,679,800 | 1,436 |
| Average total loans | $310,742,000 | 1,557 |