Home > Red River Bank > Performance and Condition Ratios
Red River Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 3,801 |
| Cost of funding earning assets | 1.1113% | 3,036 |
| Net interest margin | 2.9917% | 3,302 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.1568% | 3,235 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.1624% | 1,747 |
| Return on assets (ROA) | 1.1621% | 1,725 |
| Pretax return on assets | 1.4317% | 1,570 |
| Return on Equity (ROE) | 13.0400% | 1,719 |
| Retained earnings to average equity (ytd only) | 12.1266% | 621 |
| Net charge-offs to loans | 0.0157% | 2,079 |
| Credit loss provision to net charge-offs | 240.9836% | 1,098 |
| Earnings coverage of net charge-offs (x) | 146.3934% | 721 |
| Efficiency ratio | 59.6978% | 3,116 |
| Assets per employee ($millions) | 8.6417% | 1,133 |
| Cash dividends to net income (ytd only)* | 7.0158% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 2,979 |
| Loan loss allowance to noncurrent loans | 842.3214% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 2,988 |
| Noncurrent loans to loans | 0.1270% | 2,884 |
| Net loans and leases to total assets | 63.0600% | 2,564 |
| Net loans and leases to deposits | 70.2723% | 2,876 |
| Net loans and leases to core deposits | 74.8339% | 3,039 |
| Total domestic deposits to total assets | 89.7400% | 829 |
| Equity capital to assets | 9.5214% | 2,333 |
| Core capital (leverage) ratio | 11.3688% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9992% | 915 |
| Memoranda: | ||
| Average total assets | $3,066,432,600 | 390 |
| Average earning assets | $2,891,131,800 | 371 |
| Average equity | $273,233,800 | 427 |
| Average total loans | $1,947,603,200 | 412 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,831 |
| Cost of funding earning assets | 0.9903% | 3,065 |
| Net interest margin | 3.0194% | 3,308 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.1656% | 3,163 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.1902% | 1,822 |
| Return on assets (ROA) | 1.1850% | 1,818 |
| Pretax return on assets | 1.4600% | 1,653 |
| Return on Equity (ROE) | 13.5400% | 1,786 |
| Retained earnings to average equity (ytd only) | 12.7884% | 848 |
| Net charge-offs to loans | 0.0143% | 1,879 |
| Credit loss provision to net charge-offs | 233.1731% | 1,026 |
| Earnings coverage of net charge-offs (x) | 163.6490% | 689 |
| Efficiency ratio | 59.2811% | 3,050 |
| Assets per employee ($millions) | 8.4215% | 1,150 |
| Cash dividends to net income (ytd only)* | 5.5316% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 2,932 |
| Loan loss allowance to noncurrent loans | 1,035.3372% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,161 |
| Noncurrent loans to loans | 0.1049% | 3,050 |
| Net loans and leases to total assets | 62.9500% | 2,565 |
| Net loans and leases to deposits | 69.7232% | 2,859 |
| Net loans and leases to core deposits | 74.2485% | 2,984 |
| Total domestic deposits to total assets | 90.2900% | 865 |
| Equity capital to assets | 8.9171% | 2,471 |
| Core capital (leverage) ratio | 11.2889% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9399% | 956 |
| Memoranda: | ||
| Average total assets | $3,050,969,500 | 396 |
| Average earning assets | $2,879,043,500 | 375 |
| Average equity | $267,078,250 | 429 |
| Average total loans | $1,935,963,000 | 415 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 3,848 |
| Cost of funding earning assets | 0.8192% | 3,157 |
| Net interest margin | 3.0912% | 3,242 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.1471% | 3,223 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2429% | 1,712 |
| Return on assets (ROA) | 1.2412% | 1,711 |
| Pretax return on assets | 1.5282% | 1,543 |
| Return on Equity (ROE) | 14.2700% | 1,627 |
| Retained earnings to average equity (ytd only) | 13.8904% | 697 |
| Net charge-offs to loans | 0.0125% | 1,722 |
| Credit loss provision to net charge-offs | 247.9339% | 963 |
| Earnings coverage of net charge-offs (x) | 195.0992% | 620 |
| Efficiency ratio | 58.0760% | 3,182 |
| Assets per employee ($millions) | 8.3147% | 1,178 |
| Cash dividends to net income (ytd only)* | 2.6449% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,038 |
| Loan loss allowance to noncurrent loans | 1,076.8641% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,114 |
| Noncurrent loans to loans | 0.1003% | 2,987 |
| Net loans and leases to total assets | 63.8100% | 2,402 |
| Net loans and leases to deposits | 72.2530% | 2,630 |
| Net loans and leases to core deposits | 76.5530% | 2,724 |
| Total domestic deposits to total assets | 88.3100% | 1,492 |
| Equity capital to assets | 9.0508% | 2,482 |
| Core capital (leverage) ratio | 11.1789% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6810% | 1,005 |
| Memoranda: | ||
| Average total assets | $3,046,154,000 | 385 |
| Average earning assets | $2,877,106,000 | 366 |
| Average equity | $264,988,667 | 422 |
| Average total loans | $1,930,966,000 | 398 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8413% | 3,777 |
| Cost of funding earning assets | 0.6680% | 3,164 |
| Net interest margin | 3.1732% | 3,176 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.0977% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2722% | 1,746 |
| Return on assets (ROA) | 1.2755% | 1,705 |
| Pretax return on assets | 1.5639% | 1,546 |
| Return on Equity (ROE) | 14.9600% | 1,558 |
| Retained earnings to average equity (ytd only) | 14.9624% | 806 |
| Net charge-offs to loans | 0.0108% | 1,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 229.1731% | 464 |
| Efficiency ratio | 57.3525% | 3,265 |
| Assets per employee ($millions) | 8.5590% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,136 |
| Loan loss allowance to noncurrent loans | 883.2698% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 3,008 |
| Noncurrent loans to loans | 0.1227% | 2,900 |
| Net loans and leases to total assets | 62.8100% | 2,376 |
| Net loans and leases to deposits | 69.4298% | 2,660 |
| Net loans and leases to core deposits | 72.6723% | 2,767 |
| Total domestic deposits to total assets | 90.4600% | 992 |
| Equity capital to assets | 8.7930% | 2,665 |
| Core capital (leverage) ratio | 10.6984% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3947% | 1,093 |
| Memoranda: | ||
| Average total assets | $3,055,963,500 | 396 |
| Average earning assets | $2,887,892,000 | 377 |
| Average equity | $260,519,500 | 439 |
| Average total loans | $1,920,340,500 | 409 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1657% | 3,876 |
| Cost of funding earning assets | 0.2595% | 3,245 |
| Net interest margin | 2.9062% | 3,662 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 1.9294% | 3,770 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2128% | 1,726 |
| Return on assets (ROA) | 1.1990% | 1,708 |
| Pretax return on assets | 1.4621% | 1,565 |
| Return on Equity (ROE) | 14.8900% | 1,277 |
| Retained earnings to average equity (ytd only) | 14.8949% | 300 |
| Net charge-offs to loans | 0.0164% | 1,789 |
| Credit loss provision to net charge-offs | 587.2483% | 615 |
| Earnings coverage of net charge-offs (x) | 161.6779% | 751 |
| Efficiency ratio | 55.6982% | 3,609 |
| Assets per employee ($millions) | 8.7558% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,006 |
| Loan loss allowance to noncurrent loans | 871.8512% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 3,022 |
| Noncurrent loans to loans | 0.1234% | 2,901 |
| Net loans and leases to total assets | 61.5200% | 2,491 |
| Net loans and leases to deposits | 67.4921% | 2,770 |
| Net loans and leases to core deposits | 69.7624% | 2,892 |
| Total domestic deposits to total assets | 91.1600% | 893 |
| Equity capital to assets | 8.2614% | 2,885 |
| Core capital (leverage) ratio | 10.9998% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8490% | 1,153 |
| Memoranda: | ||
| Average total assets | $3,139,604,000 | 378 |
| Average earning assets | $2,981,196,200 | 364 |
| Average equity | $252,730,400 | 436 |
| Average total loans | $1,815,977,600 | 406 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9969% | 3,894 |
| Cost of funding earning assets | 0.1969% | 3,315 |
| Net interest margin | 2.8000% | 3,733 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 1.9038% | 3,743 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1694% | 1,818 |
| Return on assets (ROA) | 1.1519% | 1,860 |
| Pretax return on assets | 1.4028% | 1,707 |
| Return on Equity (ROE) | 14.4000% | 1,325 |
| Retained earnings to average equity (ytd only) | 14.4023% | 418 |
| Net charge-offs to loans | 0.0166% | 1,519 |
| Credit loss provision to net charge-offs | 448.4305% | 655 |
| Earnings coverage of net charge-offs (x) | 155.5605% | 731 |
| Efficiency ratio | 56.4885% | 3,570 |
| Assets per employee ($millions) | 8.5211% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,197 |
| Loan loss allowance to noncurrent loans | 734.9171% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 3,044 |
| Noncurrent loans to loans | 0.1443% | 2,895 |
| Net loans and leases to total assets | 60.8400% | 2,418 |
| Net loans and leases to deposits | 66.2919% | 2,692 |
| Net loans and leases to core deposits | 68.5660% | 2,752 |
| Total domestic deposits to total assets | 91.7800% | 945 |
| Equity capital to assets | 7.5725% | 3,170 |
| Core capital (leverage) ratio | 9.9434% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5668% | 1,271 |
| Memoranda: | ||
| Average total assets | $3,153,996,500 | 378 |
| Average earning assets | $2,998,296,750 | 361 |
| Average equity | $252,258,250 | 441 |
| Average total loans | $1,790,775,750 | 408 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8009% | 3,976 |
| Cost of funding earning assets | 0.1733% | 3,274 |
| Net interest margin | 2.6276% | 3,858 |
| Noninterest income to average assets | 0.7010% | 1,334 |
| Noninterest expense to average assets | 1.8528% | 3,832 |
| Loan and lease loss provision to assets | 0.0251% | 2,150 |
| Net operating income to assets | 1.0852% | 1,828 |
| Return on assets (ROA) | 1.0583% | 1,911 |
| Pretax return on assets | 1.2939% | 1,772 |
| Return on Equity (ROE) | 13.0105% | 1,377 |
| Retained earnings to average equity (ytd only) | 13.0105% | 467 |
| Net charge-offs to loans | 0.0206% | 1,324 |
| Credit loss provision to net charge-offs | 220.9945% | 926 |
| Earnings coverage of net charge-offs (x) | 118.9558% | 741 |
| Efficiency ratio | 57.8179% | 3,586 |
| Assets per employee ($millions) | 8.6439% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,373 |
| Loan loss allowance to noncurrent loans | 6,236.3344% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 3,665 |
| Noncurrent loans to loans | 0.0168% | 3,839 |
| Net loans and leases to total assets | 58.5401% | 2,474 |
| Net loans and leases to deposits | 63.8279% | 2,739 |
| Net loans and leases to core deposits | 65.8190% | 2,838 |
| Total domestic deposits to total assets | 91.7155% | 957 |
| Equity capital to assets | 7.7295% | 3,326 |
| Core capital (leverage) ratio | 9.3520% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2714% | 1,367 |
| Memoranda: | ||
| Average total assets | $3,185,643,000 | 368 |
| Average earning assets | $3,035,281,000 | 355 |
| Average equity | $259,129,000 | 436 |
| Average total loans | $1,760,632,667 | 406 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6022% | 4,113 |
| Cost of funding earning assets | 0.1666% | 3,272 |
| Net interest margin | 2.4356% | 4,010 |
| Noninterest income to average assets | 0.6753% | 1,395 |
| Noninterest expense to average assets | 1.8179% | 3,893 |
| Loan and lease loss provision to assets | 0.0186% | 2,022 |
| Net operating income to assets | 0.9662% | 2,008 |
| Return on assets (ROA) | 0.9326% | 2,139 |
| Pretax return on assets | 1.1260% | 2,064 |
| Return on Equity (ROE) | 11.1945% | 1,550 |
| Retained earnings to average equity (ytd only) | 11.1945% | 747 |
| Net charge-offs to loans | 0.0191% | 1,144 |
| Credit loss provision to net charge-offs | 182.9268% | 801 |
| Earnings coverage of net charge-offs (x) | 116.2805% | 620 |
| Efficiency ratio | 60.5356% | 3,429 |
| Assets per employee ($millions) | 9.0990% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,320 |
| Loan loss allowance to noncurrent loans | 6,128.6624% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,732 |
| Noncurrent loans to loans | 0.0180% | 3,867 |
| Net loans and leases to total assets | 53.8122% | 2,783 |
| Net loans and leases to deposits | 58.7839% | 3,006 |
| Net loans and leases to core deposits | 60.6559% | 3,090 |
| Total domestic deposits to total assets | 91.5424% | 781 |
| Equity capital to assets | 7.8402% | 3,692 |
| Core capital (leverage) ratio | 9.1049% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5910% | 1,367 |
| Memoranda: | ||
| Average total assets | $3,218,239,000 | 365 |
| Average earning assets | $3,075,690,500 | 353 |
| Average equity | $268,096,500 | 426 |
| Average total loans | $1,717,894,500 | 416 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7761% | 4,237 |
| Cost of funding earning assets | 0.2016% | 3,447 |
| Net interest margin | 2.5744% | 4,091 |
| Noninterest income to average assets | 0.9171% | 1,160 |
| Noninterest expense to average assets | 1.9149% | 3,892 |
| Loan and lease loss provision to assets | 0.0651% | 1,758 |
| Net operating income to assets | 1.1475% | 2,121 |
| Return on assets (ROA) | 1.1480% | 2,171 |
| Pretax return on assets | 1.3966% | 2,065 |
| Return on Equity (ROE) | 12.3093% | 1,711 |
| Retained earnings to average equity (ytd only) | 12.3093% | 499 |
| Net charge-offs to loans | 0.0413% | 1,439 |
| Credit loss provision to net charge-offs | 281.4815% | 1,102 |
| Earnings coverage of net charge-offs (x) | 63.1363% | 1,141 |
| Efficiency ratio | 56.7213% | 3,617 |
| Assets per employee ($millions) | 9.1867% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,192 |
| Loan loss allowance to noncurrent loans | 6,011.2853% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,818 |
| Noncurrent loans to loans | 0.0189% | 3,939 |
| Net loans and leases to total assets | 51.7579% | 3,096 |
| Net loans and leases to deposits | 57.0784% | 3,330 |
| Net loans and leases to core deposits | 58.8823% | 3,398 |
| Total domestic deposits to total assets | 90.6786% | 631 |
| Equity capital to assets | 8.8189% | 3,793 |
| Core capital (leverage) ratio | 9.2271% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0617% | 1,251 |
| Memoranda: | ||
| Average total assets | $2,916,830,000 | 384 |
| Average earning assets | $2,785,920,000 | 369 |
| Average equity | $272,030,600 | 419 |
| Average total loans | $1,634,054,600 | 434 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8195% | 4,278 |
| Cost of funding earning assets | 0.2126% | 3,491 |
| Net interest margin | 2.6069% | 4,119 |
| Noninterest income to average assets | 0.9556% | 1,142 |
| Noninterest expense to average assets | 1.9417% | 3,833 |
| Loan and lease loss provision to assets | 0.0822% | 1,442 |
| Net operating income to assets | 1.1628% | 2,313 |
| Return on assets (ROA) | 1.1664% | 2,357 |
| Pretax return on assets | 1.4220% | 2,248 |
| Return on Equity (ROE) | 12.3164% | 1,931 |
| Retained earnings to average equity (ytd only) | 12.3164% | 770 |
| Net charge-offs to loans | 0.0439% | 1,234 |
| Credit loss provision to net charge-offs | 328.3302% | 957 |
| Earnings coverage of net charge-offs (x) | 59.9343% | 1,140 |
| Efficiency ratio | 56.4200% | 3,480 |
| Assets per employee ($millions) | 8.8554% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 3,100 |
| Loan loss allowance to noncurrent loans | 1,366.2153% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 3,564 |
| Noncurrent loans to loans | 0.0860% | 3,655 |
| Net loans and leases to total assets | 53.3896% | 3,035 |
| Net loans and leases to deposits | 59.2124% | 3,308 |
| Net loans and leases to core deposits | 61.4022% | 3,371 |
| Total domestic deposits to total assets | 90.1662% | 700 |
| Equity capital to assets | 9.2539% | 3,605 |
| Core capital (leverage) ratio | 9.5540% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6014% | 1,218 |
| Memoranda: | ||
| Average total assets | $2,839,907,000 | 394 |
| Average earning assets | $2,707,977,250 | 381 |
| Average equity | $268,946,250 | 424 |
| Average total loans | $1,620,537,750 | 437 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8546% | 4,281 |
| Cost of funding earning assets | 0.2252% | 3,514 |
| Net interest margin | 2.6294% | 4,115 |
| Noninterest income to average assets | 1.0131% | 1,049 |
| Noninterest expense to average assets | 1.9622% | 3,803 |
| Loan and lease loss provision to assets | 0.1151% | 1,096 |
| Net operating income to assets | 1.1831% | 2,251 |
| Return on assets (ROA) | 1.1910% | 2,289 |
| Pretax return on assets | 1.4517% | 2,168 |
| Return on Equity (ROE) | 12.4732% | 1,886 |
| Retained earnings to average equity (ytd only) | 12.4732% | 814 |
| Net charge-offs to loans | 0.0113% | 1,737 |
| Credit loss provision to net charge-offs | 1,758.2418% | 318 |
| Earnings coverage of net charge-offs (x) | 237.8571% | 451 |
| Efficiency ratio | 55.7543% | 3,575 |
| Assets per employee ($millions) | 8.4143% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,899 |
| Loan loss allowance to noncurrent loans | 960.0395% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 3,507 |
| Noncurrent loans to loans | 0.1257% | 3,558 |
| Net loans and leases to total assets | 55.3642% | 2,973 |
| Net loans and leases to deposits | 61.5266% | 3,244 |
| Net loans and leases to core deposits | 63.8724% | 3,295 |
| Total domestic deposits to total assets | 89.9843% | 787 |
| Equity capital to assets | 9.4613% | 3,368 |
| Core capital (leverage) ratio | 9.4102% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8272% | 1,167 |
| Memoranda: | ||
| Average total assets | $2,779,974,667 | 398 |
| Average earning assets | $2,649,877,667 | 384 |
| Average equity | $265,448,667 | 427 |
| Average total loans | $1,616,925,333 | 442 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9467% | 4,192 |
| Cost of funding earning assets | 0.2438% | 3,529 |
| Net interest margin | 2.7028% | 3,962 |
| Noninterest income to average assets | 1.0526% | 1,052 |
| Noninterest expense to average assets | 1.9812% | 3,777 |
| Loan and lease loss provision to assets | 0.2124% | 557 |
| Net operating income to assets | 1.1865% | 2,204 |
| Return on assets (ROA) | 1.1973% | 2,235 |
| Pretax return on assets | 1.4485% | 2,144 |
| Return on Equity (ROE) | 12.4791% | 1,842 |
| Retained earnings to average equity (ytd only) | 12.4791% | 1,033 |
| Net charge-offs to loans | 0.0059% | 1,689 |
| Credit loss provision to net charge-offs | 6,041.6667% | 101 |
| Earnings coverage of net charge-offs (x) | 468.7917% | 203 |
| Efficiency ratio | 54.5928% | 3,723 |
| Assets per employee ($millions) | 8.3175% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,959 |
| Loan loss allowance to noncurrent loans | 689.3276% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 3,535 |
| Noncurrent loans to loans | 0.1735% | 3,490 |
| Net loans and leases to total assets | 56.7863% | 2,945 |
| Net loans and leases to deposits | 63.1214% | 3,206 |
| Net loans and leases to core deposits | 65.5445% | 3,278 |
| Total domestic deposits to total assets | 89.9637% | 836 |
| Equity capital to assets | 9.3098% | 3,379 |
| Core capital (leverage) ratio | 9.6069% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4782% | 1,174 |
| Memoranda: | ||
| Average total assets | $2,731,110,000 | 400 |
| Average earning assets | $2,603,348,500 | 389 |
| Average equity | $262,038,500 | 427 |
| Average total loans | $1,619,048,500 | 449 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5492% | 3,924 |
| Cost of funding earning assets | 0.3843% | 3,677 |
| Net interest margin | 3.1649% | 3,453 |
| Noninterest income to average assets | 1.0219% | 1,010 |
| Noninterest expense to average assets | 2.2683% | 3,493 |
| Loan and lease loss provision to assets | 0.2738% | 1,404 |
| Net operating income to assets | 1.2082% | 1,529 |
| Return on assets (ROA) | 1.2627% | 1,459 |
| Pretax return on assets | 1.5478% | 1,201 |
| Return on Equity (ROE) | 11.8458% | 1,366 |
| Retained earnings to average equity (ytd only) | 11.8458% | 337 |
| Net charge-offs to loans | 0.1458% | 1,115 |
| Credit loss provision to net charge-offs | 276.1299% | 1,818 |
| Earnings coverage of net charge-offs (x) | 17.7047% | 2,065 |
| Efficiency ratio | 56.3757% | 3,938 |
| Assets per employee ($millions) | 7.8649% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,416 |
| Loan loss allowance to noncurrent loans | 542.3263% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 3,480 |
| Noncurrent loans to loans | 0.2046% | 3,477 |
| Net loans and leases to total assets | 60.5317% | 2,785 |
| Net loans and leases to deposits | 67.6589% | 3,112 |
| Net loans and leases to core deposits | 70.4400% | 3,228 |
| Total domestic deposits to total assets | 89.4659% | 782 |
| Equity capital to assets | 9.8985% | 3,219 |
| Core capital (leverage) ratio | 9.9753% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1683% | 1,222 |
| Memoranda: | ||
| Average total assets | $2,298,810,400 | 426 |
| Average earning assets | $2,180,152,200 | 411 |
| Average equity | $245,032,800 | 426 |
| Average total loans | $1,563,608,000 | 430 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6176% | 3,977 |
| Cost of funding earning assets | 0.4144% | 3,732 |
| Net interest margin | 3.2032% | 3,486 |
| Noninterest income to average assets | 1.0195% | 996 |
| Noninterest expense to average assets | 2.3256% | 3,356 |
| Loan and lease loss provision to assets | 0.2180% | 1,842 |
| Net operating income to assets | 1.2288% | 1,550 |
| Return on assets (ROA) | 1.2993% | 1,453 |
| Pretax return on assets | 1.5960% | 1,193 |
| Return on Equity (ROE) | 11.9351% | 1,391 |
| Retained earnings to average equity (ytd only) | 11.9351% | 433 |
| Net charge-offs to loans | 0.1172% | 1,189 |
| Credit loss provision to net charge-offs | 265.4439% | 1,874 |
| Earnings coverage of net charge-offs (x) | 21.0286% | 1,878 |
| Efficiency ratio | 57.3856% | 3,751 |
| Assets per employee ($millions) | 7.2832% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,820 |
| Loan loss allowance to noncurrent loans | 369.0905% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 3,393 |
| Noncurrent loans to loans | 0.2623% | 3,356 |
| Net loans and leases to total assets | 66.5009% | 2,446 |
| Net loans and leases to deposits | 74.6700% | 2,895 |
| Net loans and leases to core deposits | 77.7688% | 3,029 |
| Total domestic deposits to total assets | 89.0598% | 744 |
| Equity capital to assets | 10.1810% | 3,082 |
| Core capital (leverage) ratio | 10.2425% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6207% | 1,345 |
| Memoranda: | ||
| Average total assets | $2,212,862,750 | 431 |
| Average earning assets | $2,095,314,750 | 418 |
| Average equity | $240,896,750 | 423 |
| Average total loans | $1,550,119,500 | 431 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 3,979 |
| Cost of funding earning assets | 0.4549% | 3,768 |
| Net interest margin | 3.2969% | 3,395 |
| Noninterest income to average assets | 0.9585% | 1,057 |
| Noninterest expense to average assets | 2.3682% | 3,351 |
| Loan and lease loss provision to assets | 0.1913% | 2,116 |
| Net operating income to assets | 1.2300% | 1,547 |
| Return on assets (ROA) | 1.3308% | 1,379 |
| Pretax return on assets | 1.6405% | 1,128 |
| Return on Equity (ROE) | 11.9224% | 1,348 |
| Retained earnings to average equity (ytd only) | 11.9224% | 471 |
| Net charge-offs to loans | 0.1435% | 1,003 |
| Credit loss provision to net charge-offs | 187.2576% | 1,968 |
| Earnings coverage of net charge-offs (x) | 16.7128% | 1,845 |
| Efficiency ratio | 58.1067% | 3,672 |
| Assets per employee ($millions) | 7.0711% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 3,945 |
| Loan loss allowance to noncurrent loans | 432.3649% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 3,617 |
| Noncurrent loans to loans | 0.2112% | 3,627 |
| Net loans and leases to total assets | 68.3814% | 2,289 |
| Net loans and leases to deposits | 77.1116% | 2,750 |
| Net loans and leases to core deposits | 80.7068% | 2,898 |
| Total domestic deposits to total assets | 88.6785% | 875 |
| Equity capital to assets | 10.4143% | 2,826 |
| Core capital (leverage) ratio | 10.4159% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5755% | 1,347 |
| Memoranda: | ||
| Average total assets | $2,120,200,333 | 440 |
| Average earning assets | $2,004,526,333 | 426 |
| Average equity | $236,664,333 | 429 |
| Average total loans | $1,509,282,667 | 433 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 3,953 |
| Cost of funding earning assets | 0.5287% | 3,801 |
| Net interest margin | 3.4129% | 3,258 |
| Noninterest income to average assets | 0.9501% | 955 |
| Noninterest expense to average assets | 2.4185% | 3,499 |
| Loan and lease loss provision to assets | 0.1006% | 2,425 |
| Net operating income to assets | 1.3303% | 1,157 |
| Return on assets (ROA) | 1.4026% | 1,050 |
| Pretax return on assets | 1.7387% | 797 |
| Return on Equity (ROE) | 12.0870% | 1,078 |
| Retained earnings to average equity (ytd only) | 12.0870% | 416 |
| Net charge-offs to loans | 0.0130% | 2,126 |
| Credit loss provision to net charge-offs | 1,070.2128% | 545 |
| Earnings coverage of net charge-offs (x) | 186.1277% | 363 |
| Efficiency ratio | 58.0170% | 3,998 |
| Assets per employee ($millions) | 6.0380% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 3,764 |
| Loan loss allowance to noncurrent loans | 274.9379% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 3,239 |
| Noncurrent loans to loans | 0.3601% | 3,205 |
| Net loans and leases to total assets | 71.5967% | 1,982 |
| Net loans and leases to deposits | 82.0973% | 2,442 |
| Net loans and leases to core deposits | 86.7371% | 2,619 |
| Total domestic deposits to total assets | 87.2095% | 1,463 |
| Equity capital to assets | 11.8582% | 2,178 |
| Core capital (leverage) ratio | 11.6010% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4532% | 1,492 |
| Memoranda: | ||
| Average total assets | $1,999,428,500 | 449 |
| Average earning assets | $1,885,526,500 | 438 |
| Average equity | $232,017,500 | 440 |
| Average total loans | $1,448,986,000 | 434 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 4,086 |
| Cost of funding earning assets | 0.5600% | 3,825 |
| Net interest margin | 3.5196% | 3,388 |
| Noninterest income to average assets | 0.9078% | 1,164 |
| Noninterest expense to average assets | 2.5100% | 3,422 |
| Loan and lease loss provision to assets | 0.0943% | 2,149 |
| Net operating income to assets | 1.3155% | 1,631 |
| Return on assets (ROA) | 1.3211% | 1,691 |
| Pretax return on assets | 1.6224% | 1,422 |
| Return on Equity (ROE) | 12.0624% | 1,488 |
| Retained earnings to average equity (ytd only) | 12.0624% | 236 |
| Net charge-offs to loans | 0.0286% | 2,827 |
| Credit loss provision to net charge-offs | 455.9194% | 637 |
| Earnings coverage of net charge-offs (x) | 82.6977% | 773 |
| Efficiency ratio | 59.4819% | 3,766 |
| Assets per employee ($millions) | 6.1175% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 3,670 |
| Loan loss allowance to noncurrent loans | 262.0229% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 3,122 |
| Noncurrent loans to loans | 0.3683% | 3,128 |
| Net loans and leases to total assets | 71.9283% | 2,103 |
| Net loans and leases to deposits | 81.8410% | 2,576 |
| Net loans and leases to core deposits | 86.3146% | 2,766 |
| Total domestic deposits to total assets | 87.8879% | 1,181 |
| Equity capital to assets | 11.3473% | 2,661 |
| Core capital (leverage) ratio | 11.4747% | 2,129 |
| Tier 1 risk-based capital ratio | 15.2795% | 2,666 |
| Total risk-based capital ratio | 16.2298% | 2,723 |
| Memoranda: | ||
| Average total assets | $1,920,211,000 | 440 |
| Average earning assets | $1,806,915,400 | 427 |
| Average equity | $210,306,200 | 460 |
| Average total loans | $1,388,640,800 | 430 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 4,170 |
| Cost of funding earning assets | 0.5634% | 3,850 |
| Net interest margin | 3.5294% | 3,477 |
| Noninterest income to average assets | 0.8999% | 1,142 |
| Noninterest expense to average assets | 2.5313% | 3,346 |
| Loan and lease loss provision to assets | 0.1003% | 1,915 |
| Net operating income to assets | 1.2911% | 1,894 |
| Return on assets (ROA) | 1.2990% | 1,950 |
| Pretax return on assets | 1.5963% | 1,652 |
| Return on Equity (ROE) | 11.9730% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.9730% | 386 |
| Net charge-offs to loans | 0.0048% | 3,220 |
| Credit loss provision to net charge-offs | 2,864.0000% | 141 |
| Earnings coverage of net charge-offs (x) | 481.5839% | 206 |
| Efficiency ratio | 60.0076% | 3,648 |
| Assets per employee ($millions) | 6.0025% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,677 |
| Loan loss allowance to noncurrent loans | 209.1757% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 2,869 |
| Noncurrent loans to loans | 0.4691% | 2,895 |
| Net loans and leases to total assets | 72.3830% | 2,120 |
| Net loans and leases to deposits | 82.4000% | 2,633 |
| Net loans and leases to core deposits | 88.3137% | 2,700 |
| Total domestic deposits to total assets | 87.8435% | 1,106 |
| Equity capital to assets | 11.2996% | 2,836 |
| Core capital (leverage) ratio | 11.3876% | 2,315 |
| Tier 1 risk-based capital ratio | 14.9860% | 2,856 |
| Total risk-based capital ratio | 15.9452% | 2,913 |
| Memoranda: | ||
| Average total assets | $1,903,214,500 | 446 |
| Average earning assets | $1,789,409,250 | 433 |
| Average equity | $206,481,250 | 465 |
| Average total loans | $1,374,797,750 | 436 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 4,242 |
| Cost of funding earning assets | 0.5474% | 3,890 |
| Net interest margin | 3.5185% | 3,535 |
| Noninterest income to average assets | 0.8576% | 1,184 |
| Noninterest expense to average assets | 2.5466% | 3,338 |
| Loan and lease loss provision to assets | 0.1116% | 1,680 |
| Net operating income to assets | 1.2199% | 2,071 |
| Return on assets (ROA) | 1.2289% | 2,098 |
| Pretax return on assets | 1.5185% | 1,800 |
| Return on Equity (ROE) | 11.4899% | 1,789 |
| Retained earnings to average equity (ytd only) | 11.4899% | 485 |
| Net charge-offs to loans | -0.0018% | 3,937 |
| Credit loss provision to net charge-offs | -8,791.6667% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1337% | 3,565 |
| Assets per employee ($millions) | 5.8237% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 3,777 |
| Loan loss allowance to noncurrent loans | 111.8509% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 1,964 |
| Noncurrent loans to loans | 0.8684% | 1,865 |
| Net loans and leases to total assets | 73.2074% | 2,023 |
| Net loans and leases to deposits | 83.1767% | 2,582 |
| Net loans and leases to core deposits | 89.1892% | 2,670 |
| Total domestic deposits to total assets | 88.0143% | 1,094 |
| Equity capital to assets | 11.1793% | 2,884 |
| Core capital (leverage) ratio | 11.1819% | 2,430 |
| Tier 1 risk-based capital ratio | 14.7542% | 2,939 |
| Total risk-based capital ratio | 15.7076% | 3,008 |
| Memoranda: | ||
| Average total assets | $1,891,349,670 | 450 |
| Average earning assets | $1,778,272,000 | 437 |
| Average equity | $202,282,330 | 468 |
| Average total loans | $1,360,638,670 | 441 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 4,308 |
| Cost of funding earning assets | 0.5299% | 3,919 |
| Net interest margin | 3.4975% | 3,597 |
| Noninterest income to average assets | 0.7690% | 1,368 |
| Noninterest expense to average assets | 2.4182% | 3,723 |
| Loan and lease loss provision to assets | 0.1113% | 1,594 |
| Net operating income to assets | 1.2315% | 1,943 |
| Return on assets (ROA) | 1.2398% | 1,969 |
| Pretax return on assets | 1.5383% | 1,650 |
| Return on Equity (ROE) | 11.8606% | 1,587 |
| Retained earnings to average equity (ytd only) | 11.8606% | 636 |
| Net charge-offs to loans | -0.0152% | 4,386 |
| Credit loss provision to net charge-offs | -1,031.3725% | 3,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5964% | 3,864 |
| Assets per employee ($millions) | 5.9855% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 3,873 |
| Loan loss allowance to noncurrent loans | 212.6441% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 3,236 |
| Noncurrent loans to loans | 0.4559% | 2,948 |
| Net loans and leases to total assets | 69.6538% | 2,535 |
| Net loans and leases to deposits | 78.6589% | 2,988 |
| Net loans and leases to core deposits | 83.2186% | 3,091 |
| Total domestic deposits to total assets | 88.5518% | 1,061 |
| Equity capital to assets | 10.5395% | 3,311 |
| Core capital (leverage) ratio | 10.9298% | 2,636 |
| Tier 1 risk-based capital ratio | 14.8012% | 2,963 |
| Total risk-based capital ratio | 15.7491% | 3,028 |
| Memoranda: | ||
| Average total assets | $1,890,677,500 | 451 |
| Average earning assets | $1,777,728,500 | 444 |
| Average equity | $197,628,500 | 475 |
| Average total loans | $1,341,366,500 | 448 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 4,109 |
| Cost of funding earning assets | 0.4495% | 3,686 |
| Net interest margin | 3.5215% | 3,633 |
| Noninterest income to average assets | 0.8882% | 1,206 |
| Noninterest expense to average assets | 2.4853% | 3,649 |
| Loan and lease loss provision to assets | 0.1115% | 1,981 |
| Net operating income to assets | 1.3115% | 1,749 |
| Return on assets (ROA) | 1.3091% | 1,743 |
| Pretax return on assets | 1.6101% | 1,438 |
| Return on Equity (ROE) | 12.9875% | 1,358 |
| Retained earnings to average equity (ytd only) | 12.9875% | 237 |
| Net charge-offs to loans | 0.0277% | 2,854 |
| Credit loss provision to net charge-offs | 551.2465% | 633 |
| Earnings coverage of net charge-offs (x) | 85.2853% | 826 |
| Efficiency ratio | 59.0351% | 4,009 |
| Assets per employee ($millions) | 5.8125% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,992 |
| Loan loss allowance to noncurrent loans | 192.7066% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 3,021 |
| Noncurrent loans to loans | 0.4882% | 2,811 |
| Net loans and leases to total assets | 70.9038% | 2,430 |
| Net loans and leases to deposits | 79.5766% | 3,000 |
| Net loans and leases to core deposits | 84.1437% | 3,078 |
| Total domestic deposits to total assets | 89.1013% | 819 |
| Equity capital to assets | 10.3632% | 3,314 |
| Core capital (leverage) ratio | 10.7597% | 2,778 |
| Tier 1 risk-based capital ratio | 14.7317% | 2,951 |
| Total risk-based capital ratio | 15.6601% | 3,025 |
| Memoranda: | ||
| Average total assets | $1,785,280,200 | 459 |
| Average earning assets | $1,683,930,800 | 446 |
| Average equity | $179,949,400 | 489 |
| Average total loans | $1,305,249,600 | 445 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 4,127 |
| Cost of funding earning assets | 0.4314% | 3,656 |
| Net interest margin | 3.5013% | 3,692 |
| Noninterest income to average assets | 0.8864% | 1,233 |
| Noninterest expense to average assets | 2.4991% | 3,605 |
| Loan and lease loss provision to assets | 0.1105% | 1,828 |
| Net operating income to assets | 1.2962% | 1,873 |
| Return on assets (ROA) | 1.2906% | 1,895 |
| Pretax return on assets | 1.5756% | 1,650 |
| Return on Equity (ROE) | 12.8994% | 1,472 |
| Retained earnings to average equity (ytd only) | 12.8994% | 375 |
| Net charge-offs to loans | 0.0113% | 3,013 |
| Credit loss provision to net charge-offs | 1,330.9091% | 307 |
| Earnings coverage of net charge-offs (x) | 203.9133% | 434 |
| Efficiency ratio | 59.6161% | 3,863 |
| Assets per employee ($millions) | 5.7466% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 4,199 |
| Loan loss allowance to noncurrent loans | 127.0511% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 2,473 |
| Noncurrent loans to loans | 0.7219% | 2,273 |
| Net loans and leases to total assets | 72.8662% | 2,194 |
| Net loans and leases to deposits | 81.5627% | 2,867 |
| Net loans and leases to core deposits | 86.4328% | 2,961 |
| Total domestic deposits to total assets | 89.3377% | 724 |
| Equity capital to assets | 10.1068% | 3,535 |
| Core capital (leverage) ratio | 10.6691% | 2,915 |
| Tier 1 risk-based capital ratio | 14.2291% | 3,255 |
| Total risk-based capital ratio | 15.1348% | 3,331 |
| Memoranda: | ||
| Average total assets | $1,766,597,500 | 462 |
| Average earning assets | $1,667,825,500 | 447 |
| Average equity | $176,747,750 | 493 |
| Average total loans | $1,298,726,500 | 443 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8642% | 4,175 |
| Cost of funding earning assets | 0.4181% | 3,584 |
| Net interest margin | 3.4461% | 3,815 |
| Noninterest income to average assets | 0.8562% | 1,301 |
| Noninterest expense to average assets | 2.4867% | 3,663 |
| Loan and lease loss provision to assets | 0.1071% | 1,831 |
| Net operating income to assets | 1.2459% | 1,998 |
| Return on assets (ROA) | 1.2410% | 2,021 |
| Pretax return on assets | 1.5106% | 1,775 |
| Return on Equity (ROE) | 12.4479% | 1,563 |
| Retained earnings to average equity (ytd only) | 12.4479% | 454 |
| Net charge-offs to loans | 0.0118% | 2,734 |
| Credit loss provision to net charge-offs | 1,232.8947% | 341 |
| Earnings coverage of net charge-offs (x) | 186.9474% | 439 |
| Efficiency ratio | 60.4993% | 3,862 |
| Assets per employee ($millions) | 5.5835% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 4,407 |
| Loan loss allowance to noncurrent loans | 105.6529% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 2,145 |
| Noncurrent loans to loans | 0.8361% | 2,056 |
| Net loans and leases to total assets | 74.7578% | 1,824 |
| Net loans and leases to deposits | 83.6446% | 2,576 |
| Net loans and leases to core deposits | 88.4233% | 2,685 |
| Total domestic deposits to total assets | 89.3755% | 778 |
| Equity capital to assets | 10.1121% | 3,531 |
| Core capital (leverage) ratio | 10.4759% | 3,058 |
| Tier 1 risk-based capital ratio | 13.8776% | 3,419 |
| Total risk-based capital ratio | 14.7537% | 3,526 |
| Memoranda: | ||
| Average total assets | $1,750,158,330 | 466 |
| Average earning assets | $1,652,708,000 | 451 |
| Average equity | $174,487,000 | 495 |
| Average total loans | $1,286,489,330 | 449 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 4,279 |
| Cost of funding earning assets | 0.4039% | 3,547 |
| Net interest margin | 3.3746% | 3,967 |
| Noninterest income to average assets | 0.7835% | 1,506 |
| Noninterest expense to average assets | 2.4256% | 3,877 |
| Loan and lease loss provision to assets | 0.0943% | 1,938 |
| Net operating income to assets | 1.1982% | 2,010 |
| Return on assets (ROA) | 1.2059% | 1,986 |
| Pretax return on assets | 1.4636% | 1,792 |
| Return on Equity (ROE) | 12.1839% | 1,514 |
| Retained earnings to average equity (ytd only) | 12.1839% | 652 |
| Net charge-offs to loans | 0.0165% | 2,183 |
| Credit loss provision to net charge-offs | 790.3846% | 418 |
| Earnings coverage of net charge-offs (x) | 129.7692% | 502 |
| Efficiency ratio | 61.0348% | 3,937 |
| Assets per employee ($millions) | 5.7029% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 4,533 |
| Loan loss allowance to noncurrent loans | 124.6014% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 2,601 |
| Noncurrent loans to loans | 0.7061% | 2,447 |
| Net loans and leases to total assets | 71.9500% | 2,174 |
| Net loans and leases to deposits | 80.3527% | 2,768 |
| Net loans and leases to core deposits | 84.9938% | 2,895 |
| Total domestic deposits to total assets | 89.5427% | 869 |
| Equity capital to assets | 9.8436% | 3,753 |
| Core capital (leverage) ratio | 10.3265% | 3,155 |
| Tier 1 risk-based capital ratio | 13.8521% | 3,463 |
| Total risk-based capital ratio | 14.7155% | 3,594 |
| Memoranda: | ||
| Average total assets | $1,743,044,500 | 471 |
| Average earning assets | $1,648,068,500 | 456 |
| Average equity | $172,522,500 | 502 |
| Average total loans | $1,264,348,000 | 457 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 4,502 |
| Cost of funding earning assets | 0.3946% | 3,302 |
| Net interest margin | 3.2370% | 4,340 |
| Noninterest income to average assets | 0.7890% | 1,609 |
| Noninterest expense to average assets | 2.4340% | 3,978 |
| Loan and lease loss provision to assets | 0.0911% | 2,372 |
| Net operating income to assets | 0.8149% | 3,095 |
| Return on assets (ROA) | 0.8334% | 3,050 |
| Pretax return on assets | 1.3418% | 2,206 |
| Return on Equity (ROE) | 8.5617% | 2,510 |
| Retained earnings to average equity (ytd only) | 8.5617% | 600 |
| Net charge-offs to loans | 0.1011% | 2,059 |
| Credit loss provision to net charge-offs | 129.1528% | 2,033 |
| Earnings coverage of net charge-offs (x) | 19.9045% | 1,997 |
| Efficiency ratio | 63.4200% | 3,691 |
| Assets per employee ($millions) | 5.6521% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 4,586 |
| Loan loss allowance to noncurrent loans | 104.9008% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 2,534 |
| Noncurrent loans to loans | 0.8312% | 2,143 |
| Net loans and leases to total assets | 71.8517% | 2,261 |
| Net loans and leases to deposits | 80.2504% | 2,887 |
| Net loans and leases to core deposits | 84.6251% | 3,015 |
| Total domestic deposits to total assets | 89.5344% | 757 |
| Equity capital to assets | 9.9531% | 3,756 |
| Core capital (leverage) ratio | 10.1879% | 3,209 |
| Tier 1 risk-based capital ratio | 13.6959% | 3,525 |
| Total risk-based capital ratio | 14.5469% | 3,660 |
| Memoranda: | ||
| Average total assets | $1,707,017,200 | 463 |
| Average earning assets | $1,607,824,200 | 449 |
| Average equity | $166,171,000 | 501 |
| Average total loans | $1,190,983,000 | 458 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 4,600 |
| Cost of funding earning assets | 0.3925% | 3,272 |
| Net interest margin | 3.1910% | 4,471 |
| Noninterest income to average assets | 0.7652% | 1,714 |
| Noninterest expense to average assets | 2.4110% | 3,991 |
| Loan and lease loss provision to assets | 0.0982% | 2,147 |
| Net operating income to assets | 0.9121% | 2,965 |
| Return on assets (ROA) | 0.9399% | 2,892 |
| Pretax return on assets | 1.3006% | 2,490 |
| Return on Equity (ROE) | 9.7106% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.7106% | 649 |
| Net charge-offs to loans | 0.0301% | 2,826 |
| Credit loss provision to net charge-offs | 471.4286% | 680 |
| Earnings coverage of net charge-offs (x) | 65.3041% | 944 |
| Efficiency ratio | 63.9329% | 3,559 |
| Assets per employee ($millions) | 5.6354% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 4,299 |
| Loan loss allowance to noncurrent loans | 154.1505% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 3,262 |
| Noncurrent loans to loans | 0.6198% | 2,855 |
| Net loans and leases to total assets | 69.1028% | 2,678 |
| Net loans and leases to deposits | 77.1559% | 3,257 |
| Net loans and leases to core deposits | 81.7364% | 3,311 |
| Total domestic deposits to total assets | 89.5626% | 638 |
| Equity capital to assets | 9.9256% | 4,001 |
| Core capital (leverage) ratio | 10.0798% | 3,469 |
| Tier 1 risk-based capital ratio | 13.7358% | 3,558 |
| Total risk-based capital ratio | 14.6557% | 3,683 |
| Memoranda: | ||
| Average total assets | $1,702,801,250 | 468 |
| Average earning assets | $1,604,075,000 | 453 |
| Average equity | $164,818,750 | 510 |
| Average total loans | $1,176,345,500 | 468 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 4,645 |
| Cost of funding earning assets | 0.3945% | 3,130 |
| Net interest margin | 3.1495% | 4,548 |
| Noninterest income to average assets | 0.7394% | 1,814 |
| Noninterest expense to average assets | 2.3893% | 4,076 |
| Loan and lease loss provision to assets | 0.1065% | 1,910 |
| Net operating income to assets | 0.8820% | 3,009 |
| Return on assets (ROA) | 0.9231% | 2,849 |
| Pretax return on assets | 1.2648% | 2,518 |
| Return on Equity (ROE) | 9.6198% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.6198% | 669 |
| Net charge-offs to loans | 0.0475% | 2,265 |
| Credit loss provision to net charge-offs | 325.6318% | 908 |
| Earnings coverage of net charge-offs (x) | 40.2058% | 1,248 |
| Efficiency ratio | 64.4991% | 3,590 |
| Assets per employee ($millions) | 5.7096% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 4,495 |
| Loan loss allowance to noncurrent loans | 135.8429% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 3,098 |
| Noncurrent loans to loans | 0.6875% | 2,692 |
| Net loans and leases to total assets | 69.6351% | 2,579 |
| Net loans and leases to deposits | 77.7025% | 3,148 |
| Net loans and leases to core deposits | 81.8182% | 3,269 |
| Total domestic deposits to total assets | 89.6176% | 675 |
| Equity capital to assets | 9.8851% | 4,044 |
| Core capital (leverage) ratio | 9.7890% | 3,793 |
| Tier 1 risk-based capital ratio | 13.5275% | 3,690 |
| Total risk-based capital ratio | 14.4267% | 3,798 |
| Memoranda: | ||
| Average total assets | $1,693,708,330 | 472 |
| Average earning assets | $1,594,452,330 | 457 |
| Average equity | $162,518,330 | 516 |
| Average total loans | $1,166,105,670 | 472 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4676% | 4,780 |
| Cost of funding earning assets | 0.3882% | 3,115 |
| Net interest margin | 3.0794% | 4,712 |
| Noninterest income to average assets | 0.7040% | 1,948 |
| Noninterest expense to average assets | 2.3557% | 4,244 |
| Loan and lease loss provision to assets | 0.1068% | 1,789 |
| Net operating income to assets | 0.8342% | 3,062 |
| Return on assets (ROA) | 0.8881% | 2,870 |
| Pretax return on assets | 1.2162% | 2,524 |
| Return on Equity (ROE) | 9.3987% | 2,228 |
| Retained earnings to average equity (ytd only) | 9.3987% | 948 |
| Net charge-offs to loans | 0.0907% | 1,439 |
| Credit loss provision to net charge-offs | 172.7969% | 1,116 |
| Earnings coverage of net charge-offs (x) | 20.2184% | 1,492 |
| Efficiency ratio | 65.3490% | 3,607 |
| Assets per employee ($millions) | 5.8227% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 4,633 |
| Loan loss allowance to noncurrent loans | 208.0636% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 3,864 |
| Noncurrent loans to loans | 0.4476% | 3,488 |
| Net loans and leases to total assets | 65.8020% | 3,003 |
| Net loans and leases to deposits | 73.0805% | 3,498 |
| Net loans and leases to core deposits | 77.3442% | 3,526 |
| Total domestic deposits to total assets | 90.0405% | 640 |
| Equity capital to assets | 9.3377% | 4,452 |
| Core capital (leverage) ratio | 9.6744% | 3,896 |
| Tier 1 risk-based capital ratio | 13.5636% | 3,743 |
| Total risk-based capital ratio | 14.4518% | 3,866 |
| Memoranda: | ||
| Average total assets | $1,689,830,000 | 476 |
| Average earning assets | $1,591,878,000 | 460 |
| Average equity | $159,682,000 | 519 |
| Average total loans | $1,151,165,500 | 477 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 4,416 |
| Cost of funding earning assets | 0.4155% | 2,857 |
| Net interest margin | 3.2213% | 4,375 |
| Noninterest income to average assets | 0.8113% | 1,711 |
| Noninterest expense to average assets | 2.4765% | 4,088 |
| Loan and lease loss provision to assets | 0.1046% | 2,299 |
| Net operating income to assets | 0.9182% | 2,731 |
| Return on assets (ROA) | 0.9659% | 2,611 |
| Pretax return on assets | 1.3268% | 2,187 |
| Return on Equity (ROE) | 9.9035% | 1,996 |
| Retained earnings to average equity (ytd only) | 9.9035% | 422 |
| Net charge-offs to loans | 0.0573% | 2,904 |
| Credit loss provision to net charge-offs | 265.2800% | 1,085 |
| Earnings coverage of net charge-offs (x) | 34.6448% | 1,309 |
| Efficiency ratio | 64.3982% | 3,868 |
| Assets per employee ($millions) | 5.5745% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 4,713 |
| Loan loss allowance to noncurrent loans | 187.5489% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 3,829 |
| Noncurrent loans to loans | 0.4889% | 3,404 |
| Net loans and leases to total assets | 69.2784% | 2,585 |
| Net loans and leases to deposits | 77.0652% | 3,198 |
| Net loans and leases to core deposits | 81.2891% | 3,285 |
| Total domestic deposits to total assets | 89.8958% | 684 |
| Equity capital to assets | 9.5676% | 4,199 |
| Core capital (leverage) ratio | 9.7041% | 3,855 |
| Tier 1 risk-based capital ratio | 13.2380% | 3,932 |
| Total risk-based capital ratio | 14.1094% | 4,054 |
| Memoranda: | ||
| Average total assets | $1,585,070,400 | 481 |
| Average earning assets | $1,491,561,600 | 466 |
| Average equity | $154,591,400 | 512 |
| Average total loans | $1,090,707,000 | 473 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 4,450 |
| Cost of funding earning assets | 0.4202% | 2,841 |
| Net interest margin | 3.2138% | 4,451 |
| Noninterest income to average assets | 0.8188% | 1,691 |
| Noninterest expense to average assets | 2.4932% | 4,005 |
| Loan and lease loss provision to assets | 0.1026% | 2,206 |
| Net operating income to assets | 0.9072% | 2,863 |
| Return on assets (ROA) | 0.9713% | 2,698 |
| Pretax return on assets | 1.3353% | 2,287 |
| Return on Equity (ROE) | 9.9098% | 2,089 |
| Retained earnings to average equity (ytd only) | 9.9098% | 591 |
| Net charge-offs to loans | 0.0573% | 2,539 |
| Credit loss provision to net charge-offs | 261.4719% | 1,160 |
| Earnings coverage of net charge-offs (x) | 34.4137% | 1,363 |
| Efficiency ratio | 64.8063% | 3,790 |
| Assets per employee ($millions) | 5.6667% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 4,863 |
| Loan loss allowance to noncurrent loans | 375.4392% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 4,689 |
| Noncurrent loans to loans | 0.2402% | 4,409 |
| Net loans and leases to total assets | 68.3600% | 2,746 |
| Net loans and leases to deposits | 76.2369% | 3,377 |
| Net loans and leases to core deposits | 80.6196% | 3,389 |
| Total domestic deposits to total assets | 89.6678% | 598 |
| Equity capital to assets | 9.7342% | 4,433 |
| Core capital (leverage) ratio | 9.7875% | 3,824 |
| Tier 1 risk-based capital ratio | 13.1776% | 4,045 |
| Total risk-based capital ratio | 14.0431% | 4,193 |
| Memoranda: | ||
| Average total assets | $1,570,215,000 | 484 |
| Average earning assets | $1,477,662,750 | 469 |
| Average equity | $153,904,500 | 518 |
| Average total loans | $1,075,928,500 | 479 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 4,415 |
| Cost of funding earning assets | 0.4294% | 2,742 |
| Net interest margin | 3.2301% | 4,442 |
| Noninterest income to average assets | 0.7824% | 1,797 |
| Noninterest expense to average assets | 2.5014% | 4,020 |
| Loan and lease loss provision to assets | 0.0870% | 2,404 |
| Net operating income to assets | 0.8955% | 2,885 |
| Return on assets (ROA) | 0.9592% | 2,728 |
| Pretax return on assets | 1.3213% | 2,318 |
| Return on Equity (ROE) | 9.7627% | 2,153 |
| Retained earnings to average equity (ytd only) | 9.7627% | 647 |
| Net charge-offs to loans | 0.0587% | 2,349 |
| Credit loss provision to net charge-offs | 216.7742% | 1,231 |
| Earnings coverage of net charge-offs (x) | 32.8968% | 1,325 |
| Efficiency ratio | 65.3382% | 3,788 |
| Assets per employee ($millions) | 5.3818% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,957 |
| Loan loss allowance to noncurrent loans | 495.6325% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,922 |
| Noncurrent loans to loans | 0.1816% | 4,706 |
| Net loans and leases to total assets | 68.9203% | 2,645 |
| Net loans and leases to deposits | 76.9742% | 3,271 |
| Net loans and leases to core deposits | 81.5267% | 3,315 |
| Total domestic deposits to total assets | 89.5369% | 661 |
| Equity capital to assets | 9.9174% | 4,328 |
| Core capital (leverage) ratio | 9.7426% | 3,880 |
| Tier 1 risk-based capital ratio | 13.2740% | 4,033 |
| Total risk-based capital ratio | 14.1363% | 4,180 |
| Memoranda: | ||
| Average total assets | $1,543,948,330 | 495 |
| Average earning assets | $1,453,073,670 | 476 |
| Average equity | $151,700,000 | 521 |
| Average total loans | $1,055,397,000 | 483 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 4,385 |
| Cost of funding earning assets | 0.4318% | 2,755 |
| Net interest margin | 3.2482% | 4,405 |
| Noninterest income to average assets | 0.7503% | 1,821 |
| Noninterest expense to average assets | 2.4513% | 4,221 |
| Loan and lease loss provision to assets | 0.0880% | 2,213 |
| Net operating income to assets | 0.9214% | 2,640 |
| Return on assets (ROA) | 1.0218% | 2,307 |
| Pretax return on assets | 1.4057% | 1,890 |
| Return on Equity (ROE) | 10.4501% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.4501% | 751 |
| Net charge-offs to loans | 0.0104% | 2,773 |
| Credit loss provision to net charge-offs | 1,244.4444% | 326 |
| Earnings coverage of net charge-offs (x) | 191.8148% | 315 |
| Efficiency ratio | 64.1747% | 4,095 |
| Assets per employee ($millions) | 5.4448% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 4,844 |
| Loan loss allowance to noncurrent loans | 501.2762% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 4,964 |
| Noncurrent loans to loans | 0.1896% | 4,731 |
| Net loans and leases to total assets | 65.4981% | 3,026 |
| Net loans and leases to deposits | 73.0884% | 3,542 |
| Net loans and leases to core deposits | 77.5347% | 3,542 |
| Total domestic deposits to total assets | 89.6149% | 773 |
| Equity capital to assets | 9.7130% | 4,436 |
| Core capital (leverage) ratio | 9.8322% | 3,739 |
| Tier 1 risk-based capital ratio | 13.5233% | 3,968 |
| Total risk-based capital ratio | 14.4165% | 4,082 |
| Memoranda: | ||
| Average total assets | $1,527,487,000 | 500 |
| Average earning assets | $1,437,711,000 | 482 |
| Average equity | $149,357,500 | 527 |
| Average total loans | $1,034,767,000 | 486 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 4,393 |
| Cost of funding earning assets | 0.4457% | 2,672 |
| Net interest margin | 3.2449% | 4,489 |
| Noninterest income to average assets | 0.8537% | 1,593 |
| Noninterest expense to average assets | 2.5592% | 4,043 |
| Loan and lease loss provision to assets | 0.0650% | 2,991 |
| Net operating income to assets | 0.9524% | 2,600 |
| Return on assets (ROA) | 0.9710% | 2,591 |
| Pretax return on assets | 1.2969% | 2,300 |
| Return on Equity (ROE) | 10.0704% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.0704% | 453 |
| Net charge-offs to loans | 0.0236% | 3,788 |
| Credit loss provision to net charge-offs | 406.0086% | 750 |
| Earnings coverage of net charge-offs (x) | 83.5322% | 674 |
| Efficiency ratio | 65.4659% | 3,992 |
| Assets per employee ($millions) | 5.1997% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 5,019 |
| Loan loss allowance to noncurrent loans | 162.4701% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 3,914 |
| Noncurrent loans to loans | 0.5649% | 3,480 |
| Net loans and leases to total assets | 68.7985% | 2,574 |
| Net loans and leases to deposits | 76.7791% | 3,174 |
| Net loans and leases to core deposits | 80.8834% | 3,252 |
| Total domestic deposits to total assets | 89.6058% | 797 |
| Equity capital to assets | 9.8461% | 4,135 |
| Core capital (leverage) ratio | 9.6926% | 3,917 |
| Tier 1 risk-based capital ratio | 13.2711% | 4,121 |
| Total risk-based capital ratio | 14.1423% | 4,285 |
| Memoranda: | ||
| Average total assets | $1,455,598,800 | 491 |
| Average earning assets | $1,364,877,200 | 473 |
| Average equity | $140,352,600 | 540 |
| Average total loans | $988,917,000 | 486 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,481 |
| Cost of funding earning assets | 0.4461% | 2,725 |
| Net interest margin | 3.2330% | 4,567 |
| Noninterest income to average assets | 0.8564% | 1,597 |
| Noninterest expense to average assets | 2.5463% | 4,059 |
| Loan and lease loss provision to assets | 0.0562% | 3,066 |
| Net operating income to assets | 0.9575% | 2,684 |
| Return on assets (ROA) | 0.9754% | 2,676 |
| Pretax return on assets | 1.3057% | 2,375 |
| Return on Equity (ROE) | 10.1718% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.1718% | 606 |
| Net charge-offs to loans | 0.0229% | 3,481 |
| Credit loss provision to net charge-offs | 363.0952% | 820 |
| Earnings coverage of net charge-offs (x) | 86.4005% | 708 |
| Efficiency ratio | 65.3353% | 4,004 |
| Assets per employee ($millions) | 5.1199% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 5,121 |
| Loan loss allowance to noncurrent loans | 171.3650% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 4,180 |
| Noncurrent loans to loans | 0.5370% | 3,735 |
| Net loans and leases to total assets | 67.6980% | 2,733 |
| Net loans and leases to deposits | 75.5867% | 3,353 |
| Net loans and leases to core deposits | 79.9449% | 3,433 |
| Total domestic deposits to total assets | 89.5633% | 746 |
| Equity capital to assets | 9.8175% | 4,372 |
| Core capital (leverage) ratio | 9.6598% | 4,091 |
| Tier 1 risk-based capital ratio | 13.2773% | 4,273 |
| Total risk-based capital ratio | 14.1457% | 4,414 |
| Memoranda: | ||
| Average total assets | $1,446,420,000 | 493 |
| Average earning assets | $1,354,638,750 | 479 |
| Average equity | $138,707,250 | 546 |
| Average total loans | $977,096,000 | 491 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 4,632 |
| Cost of funding earning assets | 0.4429% | 2,806 |
| Net interest margin | 3.1886% | 4,694 |
| Noninterest income to average assets | 0.8227% | 1,689 |
| Noninterest expense to average assets | 2.5316% | 4,135 |
| Loan and lease loss provision to assets | 0.0500% | 3,117 |
| Net operating income to assets | 0.9072% | 2,834 |
| Return on assets (ROA) | 0.9309% | 2,851 |
| Pretax return on assets | 1.2594% | 2,512 |
| Return on Equity (ROE) | 9.7869% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.7869% | 706 |
| Net charge-offs to loans | 0.0064% | 3,675 |
| Credit loss provision to net charge-offs | 1,161.2903% | 307 |
| Earnings coverage of net charge-offs (x) | 296.4194% | 232 |
| Efficiency ratio | 66.2421% | 3,968 |
| Assets per employee ($millions) | 4.9623% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 5,193 |
| Loan loss allowance to noncurrent loans | 155.1419% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 4,204 |
| Noncurrent loans to loans | 0.5971% | 3,674 |
| Net loans and leases to total assets | 67.3667% | 2,738 |
| Net loans and leases to deposits | 74.9556% | 3,391 |
| Net loans and leases to core deposits | 79.8064% | 3,410 |
| Total domestic deposits to total assets | 89.8755% | 712 |
| Equity capital to assets | 9.5643% | 4,577 |
| Core capital (leverage) ratio | 9.4388% | 4,363 |
| Tier 1 risk-based capital ratio | 13.0399% | 4,495 |
| Total risk-based capital ratio | 13.9060% | 4,634 |
| Memoranda: | ||
| Average total assets | $1,438,752,670 | 499 |
| Average earning assets | $1,347,476,670 | 483 |
| Average equity | $136,856,000 | 554 |
| Average total loans | $968,125,000 | 491 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6083% | 4,665 |
| Cost of funding earning assets | 0.4318% | 2,959 |
| Net interest margin | 3.1765% | 4,686 |
| Noninterest income to average assets | 0.8150% | 1,658 |
| Noninterest expense to average assets | 2.4907% | 4,295 |
| Loan and lease loss provision to assets | 0.0502% | 2,927 |
| Net operating income to assets | 0.9206% | 2,651 |
| Return on assets (ROA) | 0.9520% | 2,631 |
| Pretax return on assets | 1.2927% | 2,313 |
| Return on Equity (ROE) | 10.0359% | 1,989 |
| Retained earnings to average equity (ytd only) | 10.0359% | 918 |
| Net charge-offs to loans | 0.0021% | 3,245 |
| Credit loss provision to net charge-offs | 3,600.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 932.2000% | 44 |
| Efficiency ratio | 65.4695% | 4,247 |
| Assets per employee ($millions) | 5.1021% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 5,339 |
| Loan loss allowance to noncurrent loans | 177.7184% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 4,545 |
| Noncurrent loans to loans | 0.5218% | 4,008 |
| Net loans and leases to total assets | 65.2372% | 2,891 |
| Net loans and leases to deposits | 72.5757% | 3,486 |
| Net loans and leases to core deposits | 77.2339% | 3,458 |
| Total domestic deposits to total assets | 89.8885% | 792 |
| Equity capital to assets | 9.4116% | 4,847 |
| Core capital (leverage) ratio | 9.2906% | 4,590 |
| Tier 1 risk-based capital ratio | 12.9957% | 4,608 |
| Total risk-based capital ratio | 13.8662% | 4,749 |
| Memoranda: | ||
| Average total assets | $1,433,636,500 | 499 |
| Average earning assets | $1,343,219,000 | 485 |
| Average equity | $135,991,500 | 557 |
| Average total loans | $959,557,000 | 490 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7764% | 4,558 |
| Cost of funding earning assets | 0.4876% | 2,802 |
| Net interest margin | 3.2889% | 4,621 |
| Noninterest income to average assets | 0.7774% | 1,963 |
| Noninterest expense to average assets | 2.5874% | 4,265 |
| Loan and lease loss provision to assets | 0.0234% | 4,137 |
| Net operating income to assets | 0.9322% | 2,713 |
| Return on assets (ROA) | 0.9702% | 2,615 |
| Pretax return on assets | 1.2920% | 2,267 |
| Return on Equity (ROE) | 10.6480% | 1,836 |
| Retained earnings to average equity (ytd only) | 10.6480% | 422 |
| Net charge-offs to loans | 0.0329% | 4,173 |
| Credit loss provision to net charge-offs | 108.4746% | 2,198 |
| Earnings coverage of net charge-offs (x) | 58.6712% | 806 |
| Efficiency ratio | 66.9607% | 4,063 |
| Assets per employee ($millions) | 4.9220% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 5,389 |
| Loan loss allowance to noncurrent loans | 169.6491% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 4,490 |
| Noncurrent loans to loans | 0.5450% | 4,026 |
| Net loans and leases to total assets | 67.4416% | 2,657 |
| Net loans and leases to deposits | 75.0613% | 3,304 |
| Net loans and leases to core deposits | 79.4390% | 3,358 |
| Total domestic deposits to total assets | 89.8486% | 796 |
| Equity capital to assets | 9.5638% | 4,632 |
| Core capital (leverage) ratio | 9.4180% | 4,362 |
| Tier 1 risk-based capital ratio | 13.3396% | 4,522 |
| Total risk-based capital ratio | 14.2380% | 4,646 |
| Memoranda: | ||
| Average total assets | $1,368,463,200 | 503 |
| Average earning assets | $1,279,405,800 | 489 |
| Average equity | $124,690,200 | 589 |
| Average total loans | $896,596,600 | 498 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 4,589 |
| Cost of funding earning assets | 0.4987% | 2,783 |
| Net interest margin | 3.2878% | 4,652 |
| Noninterest income to average assets | 0.7647% | 2,032 |
| Noninterest expense to average assets | 2.5881% | 4,231 |
| Loan and lease loss provision to assets | 0.0201% | 4,004 |
| Net operating income to assets | 0.9055% | 2,890 |
| Return on assets (ROA) | 0.9322% | 2,858 |
| Pretax return on assets | 1.2657% | 2,512 |
| Return on Equity (ROE) | 10.3623% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.3623% | 621 |
| Net charge-offs to loans | 0.0029% | 4,606 |
| Credit loss provision to net charge-offs | 1,078.9474% | 309 |
| Earnings coverage of net charge-offs (x) | 671.5452% | 117 |
| Efficiency ratio | 67.2376% | 4,000 |
| Assets per employee ($millions) | 4.9113% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 5,270 |
| Loan loss allowance to noncurrent loans | 160.2970% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 4,595 |
| Noncurrent loans to loans | 0.6155% | 4,080 |
| Net loans and leases to total assets | 65.1471% | 3,003 |
| Net loans and leases to deposits | 72.3886% | 3,646 |
| Net loans and leases to core deposits | 77.0555% | 3,628 |
| Total domestic deposits to total assets | 89.9964% | 732 |
| Equity capital to assets | 9.3227% | 5,015 |
| Core capital (leverage) ratio | 9.1399% | 4,873 |
| Tier 1 risk-based capital ratio | 13.3520% | 4,641 |
| Total risk-based capital ratio | 14.2953% | 4,764 |
| Memoranda: | ||
| Average total assets | $1,361,114,000 | 506 |
| Average earning assets | $1,272,223,000 | 493 |
| Average equity | $122,440,750 | 594 |
| Average total loans | $882,861,500 | 500 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 4,566 |
| Cost of funding earning assets | 0.5046% | 2,788 |
| Net interest margin | 3.2834% | 4,658 |
| Noninterest income to average assets | 0.7170% | 2,200 |
| Noninterest expense to average assets | 2.5923% | 4,266 |
| Loan and lease loss provision to assets | 0.0221% | 3,837 |
| Net operating income to assets | 0.8657% | 2,976 |
| Return on assets (ROA) | 0.9030% | 2,888 |
| Pretax return on assets | 1.2238% | 2,557 |
| Return on Equity (ROE) | 10.1639% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.1639% | 687 |
| Net charge-offs to loans | -0.0512% | 5,887 |
| Credit loss provision to net charge-offs | -66.9643% | 5,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2555% | 3,957 |
| Assets per employee ($millions) | 4.8749% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 5,285 |
| Loan loss allowance to noncurrent loans | 146.9398% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 4,534 |
| Noncurrent loans to loans | 0.6907% | 3,993 |
| Net loans and leases to total assets | 64.4395% | 3,008 |
| Net loans and leases to deposits | 71.3164% | 3,669 |
| Net loans and leases to core deposits | 76.4563% | 3,580 |
| Total domestic deposits to total assets | 90.3571% | 638 |
| Equity capital to assets | 9.0280% | 5,268 |
| Core capital (leverage) ratio | 8.9840% | 5,042 |
| Tier 1 risk-based capital ratio | 13.1282% | 4,832 |
| Total risk-based capital ratio | 14.1010% | 4,944 |
| Memoranda: | ||
| Average total assets | $1,354,792,670 | 509 |
| Average earning assets | $1,267,038,670 | 496 |
| Average equity | $120,367,670 | 599 |
| Average total loans | $874,468,670 | 503 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 4,561 |
| Cost of funding earning assets | 0.5124% | 2,779 |
| Net interest margin | 3.2703% | 4,670 |
| Noninterest income to average assets | 0.7000% | 2,166 |
| Noninterest expense to average assets | 2.5858% | 4,323 |
| Loan and lease loss provision to assets | 0.0358% | 3,342 |
| Net operating income to assets | 0.8425% | 2,939 |
| Return on assets (ROA) | 0.9063% | 2,690 |
| Pretax return on assets | 1.2224% | 2,381 |
| Return on Equity (ROE) | 10.2866% | 1,938 |
| Retained earnings to average equity (ytd only) | 10.2866% | 899 |
| Net charge-offs to loans | 0.0260% | 3,051 |
| Credit loss provision to net charge-offs | 214.2857% | 985 |
| Earnings coverage of net charge-offs (x) | 70.1071% | 591 |
| Efficiency ratio | 68.6845% | 4,069 |
| Assets per employee ($millions) | 4.8392% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 5,454 |
| Loan loss allowance to noncurrent loans | 323.1079% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 5,365 |
| Noncurrent loans to loans | 0.3145% | 5,162 |
| Net loans and leases to total assets | 62.4129% | 3,169 |
| Net loans and leases to deposits | 68.9041% | 3,752 |
| Net loans and leases to core deposits | 74.0237% | 3,643 |
| Total domestic deposits to total assets | 90.5794% | 754 |
| Equity capital to assets | 8.7130% | 5,436 |
| Core capital (leverage) ratio | 9.0177% | 4,983 |
| Tier 1 risk-based capital ratio | 13.2604% | 4,855 |
| Total risk-based capital ratio | 14.2347% | 4,945 |
| Memoranda: | ||
| Average total assets | $1,339,952,000 | 519 |
| Average earning assets | $1,252,833,500 | 498 |
| Average equity | $118,056,500 | 611 |
| Average total loans | $861,055,500 | 505 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 4,427 |
| Cost of funding earning assets | 0.5953% | 2,709 |
| Net interest margin | 3.3140% | 4,609 |
| Noninterest income to average assets | 0.8846% | 1,736 |
| Noninterest expense to average assets | 2.6784% | 4,169 |
| Loan and lease loss provision to assets | 0.0415% | 4,283 |
| Net operating income to assets | 0.9255% | 2,662 |
| Return on assets (ROA) | 0.9714% | 2,530 |
| Pretax return on assets | 1.3316% | 2,040 |
| Return on Equity (ROE) | 10.8664% | 1,809 |
| Retained earnings to average equity (ytd only) | 10.8664% | 437 |
| Net charge-offs to loans | 0.0413% | 4,642 |
| Credit loss provision to net charge-offs | 158.8785% | 1,441 |
| Earnings coverage of net charge-offs (x) | 50.1340% | 793 |
| Efficiency ratio | 67.1511% | 4,347 |
| Assets per employee ($millions) | 4.5800% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,421 |
| Loan loss allowance to noncurrent loans | 310.7687% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 5,400 |
| Noncurrent loans to loans | 0.3311% | 5,192 |
| Net loans and leases to total assets | 64.8650% | 2,893 |
| Net loans and leases to deposits | 71.7060% | 3,565 |
| Net loans and leases to core deposits | 76.5176% | 3,553 |
| Total domestic deposits to total assets | 90.4597% | 840 |
| Equity capital to assets | 8.9139% | 5,137 |
| Core capital (leverage) ratio | 9.0002% | 5,005 |
| Tier 1 risk-based capital ratio | 13.3472% | 4,750 |
| Total risk-based capital ratio | 14.3426% | 4,869 |
| Memoranda: | ||
| Average total assets | $1,228,250,800 | 532 |
| Average earning assets | $1,150,441,000 | 514 |
| Average equity | $109,796,800 | 642 |
| Average total loans | $776,817,400 | 541 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 4,509 |
| Cost of funding earning assets | 0.6123% | 2,716 |
| Net interest margin | 3.2847% | 4,696 |
| Noninterest income to average assets | 0.9274% | 1,666 |
| Noninterest expense to average assets | 2.6869% | 4,070 |
| Loan and lease loss provision to assets | 0.0512% | 3,997 |
| Net operating income to assets | 0.9223% | 2,730 |
| Return on assets (ROA) | 0.9831% | 2,553 |
| Pretax return on assets | 1.3490% | 2,129 |
| Return on Equity (ROE) | 10.9893% | 1,821 |
| Retained earnings to average equity (ytd only) | 10.9893% | 578 |
| Net charge-offs to loans | 0.0237% | 4,656 |
| Credit loss provision to net charge-offs | 344.4444% | 753 |
| Earnings coverage of net charge-offs (x) | 88.5385% | 543 |
| Efficiency ratio | 67.1079% | 4,284 |
| Assets per employee ($millions) | 4.6420% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,419 |
| Loan loss allowance to noncurrent loans | 186.2516% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 5,099 |
| Noncurrent loans to loans | 0.5784% | 4,757 |
| Net loans and leases to total assets | 62.9749% | 3,168 |
| Net loans and leases to deposits | 69.5027% | 3,856 |
| Net loans and leases to core deposits | 74.0516% | 3,840 |
| Total domestic deposits to total assets | 90.6078% | 700 |
| Equity capital to assets | 8.7783% | 5,438 |
| Core capital (leverage) ratio | 9.0394% | 5,066 |
| Tier 1 risk-based capital ratio | 13.2354% | 4,959 |
| Total risk-based capital ratio | 14.2615% | 5,068 |
| Memoranda: | ||
| Average total assets | $1,210,134,000 | 544 |
| Average earning assets | $1,133,425,250 | 525 |
| Average equity | $108,259,750 | 661 |
| Average total loans | $757,900,750 | 554 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8854% | 4,537 |
| Cost of funding earning assets | 0.6548% | 2,455 |
| Net interest margin | 3.2305% | 4,835 |
| Noninterest income to average assets | 0.9586% | 1,631 |
| Noninterest expense to average assets | 2.6567% | 4,195 |
| Loan and lease loss provision to assets | 0.0712% | 3,607 |
| Net operating income to assets | 0.9192% | 2,701 |
| Return on assets (ROA) | 1.0086% | 2,426 |
| Pretax return on assets | 1.3872% | 1,978 |
| Return on Equity (ROE) | 11.1970% | 1,747 |
| Retained earnings to average equity (ytd only) | 11.1970% | 609 |
| Net charge-offs to loans | 0.0185% | 4,472 |
| Credit loss provision to net charge-offs | 617.6471% | 472 |
| Earnings coverage of net charge-offs (x) | 115.9265% | 414 |
| Efficiency ratio | 66.5422% | 4,442 |
| Assets per employee ($millions) | 4.5869% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,367 |
| Loan loss allowance to noncurrent loans | 207.7656% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 5,221 |
| Noncurrent loans to loans | 0.5385% | 4,912 |
| Net loans and leases to total assets | 61.9340% | 3,295 |
| Net loans and leases to deposits | 68.3353% | 3,965 |
| Net loans and leases to core deposits | 72.9072% | 3,944 |
| Total domestic deposits to total assets | 90.6325% | 690 |
| Equity capital to assets | 8.7746% | 5,471 |
| Core capital (leverage) ratio | 8.8957% | 5,151 |
| Tier 1 risk-based capital ratio | 13.4629% | 4,795 |
| Total risk-based capital ratio | 14.5360% | 4,875 |
| Memoranda: | ||
| Average total assets | $1,180,260,330 | 554 |
| Average earning assets | $1,108,420,000 | 533 |
| Average equity | $106,314,330 | 673 |
| Average total loans | $734,723,330 | 568 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,940 |
| Cost of funding earning assets | 0.6679% | 2,497 |
| Net interest margin | 3.0969% | 5,272 |
| Noninterest income to average assets | 0.8641% | 1,888 |
| Noninterest expense to average assets | 2.4223% | 5,049 |
| Loan and lease loss provision to assets | 0.0742% | 3,392 |
| Net operating income to assets | 0.9401% | 2,471 |
| Return on assets (ROA) | 1.0741% | 2,063 |
| Pretax return on assets | 1.4703% | 1,647 |
| Return on Equity (ROE) | 11.7536% | 1,482 |
| Retained earnings to average equity (ytd only) | 11.7536% | 734 |
| Net charge-offs to loans | 0.0097% | 3,956 |
| Credit loss provision to net charge-offs | 1,235.2941% | 262 |
| Earnings coverage of net charge-offs (x) | 226.7059% | 177 |
| Efficiency ratio | 64.0284% | 5,007 |
| Assets per employee ($millions) | 4.7876% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 5,068 |
| Loan loss allowance to noncurrent loans | 322.6838% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 5,849 |
| Noncurrent loans to loans | 0.3795% | 5,459 |
| Net loans and leases to total assets | 61.8758% | 3,083 |
| Net loans and leases to deposits | 68.7016% | 3,678 |
| Net loans and leases to core deposits | 73.9450% | 3,585 |
| Total domestic deposits to total assets | 90.0646% | 1,002 |
| Equity capital to assets | 9.1199% | 5,346 |
| Core capital (leverage) ratio | 8.8558% | 5,112 |
| Tier 1 risk-based capital ratio | 13.3660% | 4,963 |
| Total risk-based capital ratio | 14.5513% | 4,963 |
| Memoranda: | ||
| Average total assets | $1,132,804,500 | 587 |
| Average earning assets | $1,067,784,000 | 560 |
| Average equity | $103,526,000 | 704 |
| Average total loans | $702,734,500 | 595 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 5,020 |
| Cost of funding earning assets | 0.8420% | 2,348 |
| Net interest margin | 3.2368% | 5,469 |
| Noninterest income to average assets | 0.9152% | 1,817 |
| Noninterest expense to average assets | 2.4855% | 5,151 |
| Loan and lease loss provision to assets | 0.0763% | 4,765 |
| Net operating income to assets | 1.0216% | 2,246 |
| Return on assets (ROA) | 1.0552% | 2,297 |
| Pretax return on assets | 1.4258% | 1,949 |
| Return on Equity (ROE) | 11.7140% | 1,591 |
| Retained earnings to average equity (ytd only) | 11.7140% | 350 |
| Net charge-offs to loans | 0.1188% | 4,503 |
| Credit loss provision to net charge-offs | 106.7708% | 2,776 |
| Earnings coverage of net charge-offs (x) | 20.3854% | 1,356 |
| Efficiency ratio | 63.0485% | 5,067 |
| Assets per employee ($millions) | 4.7718% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 4,896 |
| Loan loss allowance to noncurrent loans | 301.8284% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 5,904 |
| Noncurrent loans to loans | 0.4130% | 5,450 |
| Net loans and leases to total assets | 60.6491% | 3,482 |
| Net loans and leases to deposits | 68.6006% | 3,890 |
| Net loans and leases to core deposits | 73.5219% | 3,847 |
| Total domestic deposits to total assets | 88.4090% | 1,961 |
| Equity capital to assets | 9.1583% | 5,326 |
| Core capital (leverage) ratio | 8.7433% | 5,260 |
| Tier 1 risk-based capital ratio | 13.3229% | 4,882 |
| Total risk-based capital ratio | 14.5168% | 4,870 |
| Memoranda: | ||
| Average total assets | $1,074,756,400 | 610 |
| Average earning assets | $1,005,096,000 | 587 |
| Average equity | $96,816,000 | 731 |
| Average total loans | $646,462,400 | 641 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 5,090 |
| Cost of funding earning assets | 0.8653% | 2,430 |
| Net interest margin | 3.2606% | 5,513 |
| Noninterest income to average assets | 0.8956% | 1,844 |
| Noninterest expense to average assets | 2.4760% | 5,161 |
| Loan and lease loss provision to assets | 0.0765% | 4,686 |
| Net operating income to assets | 1.0335% | 2,354 |
| Return on assets (ROA) | 1.0757% | 2,387 |
| Pretax return on assets | 1.4462% | 2,092 |
| Return on Equity (ROE) | 11.9940% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.9940% | 533 |
| Net charge-offs to loans | 0.1552% | 3,874 |
| Credit loss provision to net charge-offs | 82.4324% | 3,543 |
| Earnings coverage of net charge-offs (x) | 15.7919% | 1,727 |
| Efficiency ratio | 62.8166% | 5,006 |
| Assets per employee ($millions) | 4.8627% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 5,018 |
| Loan loss allowance to noncurrent loans | 367.0599% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 6,183 |
| Noncurrent loans to loans | 0.3423% | 5,790 |
| Net loans and leases to total assets | 59.5576% | 3,866 |
| Net loans and leases to deposits | 67.4531% | 4,264 |
| Net loans and leases to core deposits | 72.5811% | 4,185 |
| Total domestic deposits to total assets | 88.2947% | 1,853 |
| Equity capital to assets | 9.1184% | 5,684 |
| Core capital (leverage) ratio | 8.6537% | 5,549 |
| Tier 1 risk-based capital ratio | 13.3458% | 4,991 |
| Total risk-based capital ratio | 14.5542% | 4,988 |
| Memoranda: | ||
| Average total assets | $1,063,103,750 | 623 |
| Average earning assets | $993,123,250 | 597 |
| Average equity | $95,345,500 | 745 |
| Average total loans | $635,907,250 | 652 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 4,977 |
| Cost of funding earning assets | 0.8886% | 2,497 |
| Net interest margin | 3.3045% | 5,426 |
| Noninterest income to average assets | 0.9037% | 1,775 |
| Noninterest expense to average assets | 2.4779% | 5,216 |
| Loan and lease loss provision to assets | 0.0706% | 4,747 |
| Net operating income to assets | 1.0774% | 2,135 |
| Return on assets (ROA) | 1.0827% | 2,332 |
| Pretax return on assets | 1.4454% | 2,028 |
| Return on Equity (ROE) | 12.1440% | 1,624 |
| Retained earnings to average equity (ytd only) | 12.1440% | 561 |
| Net charge-offs to loans | 0.1850% | 3,476 |
| Credit loss provision to net charge-offs | 64.0138% | 3,707 |
| Earnings coverage of net charge-offs (x) | 13.6782% | 1,773 |
| Efficiency ratio | 62.1523% | 5,224 |
| Assets per employee ($millions) | 4.6884% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,912 |
| Loan loss allowance to noncurrent loans | 489.3592% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 6,388 |
| Noncurrent loans to loans | 0.2647% | 6,052 |
| Net loans and leases to total assets | 58.5749% | 4,066 |
| Net loans and leases to deposits | 66.2685% | 4,476 |
| Net loans and leases to core deposits | 71.5853% | 4,340 |
| Total domestic deposits to total assets | 88.3903% | 1,895 |
| Equity capital to assets | 8.9935% | 5,708 |
| Core capital (leverage) ratio | 8.4897% | 5,663 |
| Tier 1 risk-based capital ratio | 13.3818% | 4,913 |
| Total risk-based capital ratio | 14.6186% | 4,881 |
| Memoranda: | ||
| Average total assets | $1,047,907,000 | 638 |
| Average earning assets | $977,709,000 | 609 |
| Average equity | $93,429,000 | 753 |
| Average total loans | $624,972,000 | 667 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 4,948 |
| Cost of funding earning assets | 0.9173% | 2,548 |
| Net interest margin | 3.3269% | 5,385 |
| Noninterest income to average assets | 0.9174% | 1,676 |
| Noninterest expense to average assets | 2.4722% | 5,239 |
| Loan and lease loss provision to assets | 0.0699% | 4,535 |
| Net operating income to assets | 1.1116% | 2,026 |
| Return on assets (ROA) | 1.1223% | 2,164 |
| Pretax return on assets | 1.4888% | 1,895 |
| Return on Equity (ROE) | 12.6461% | 1,498 |
| Retained earnings to average equity (ytd only) | 12.6461% | 734 |
| Net charge-offs to loans | -0.0156% | 6,096 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5504% | 5,361 |
| Assets per employee ($millions) | 4.6778% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,612 |
| Loan loss allowance to noncurrent loans | 352.6847% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 6,293 |
| Noncurrent loans to loans | 0.3972% | 5,879 |
| Net loans and leases to total assets | 57.3953% | 4,146 |
| Net loans and leases to deposits | 64.7559% | 4,518 |
| Net loans and leases to core deposits | 69.8815% | 4,441 |
| Total domestic deposits to total assets | 88.6334% | 1,935 |
| Equity capital to assets | 8.7272% | 5,840 |
| Core capital (leverage) ratio | 8.4857% | 5,617 |
| Tier 1 risk-based capital ratio | 13.3033% | 4,978 |
| Total risk-based capital ratio | 14.5609% | 4,961 |
| Memoranda: | ||
| Average total assets | $1,030,350,000 | 646 |
| Average earning assets | $959,800,000 | 623 |
| Average equity | $91,443,000 | 763 |
| Average total loans | $616,107,000 | 678 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 4,964 |
| Cost of funding earning assets | 1.0599% | 2,957 |
| Net interest margin | 3.4677% | 5,265 |
| Noninterest income to average assets | 0.8814% | 1,739 |
| Noninterest expense to average assets | 2.6377% | 4,971 |
| Loan and lease loss provision to assets | 0.0850% | 5,542 |
| Net operating income to assets | 1.0542% | 1,989 |
| Return on assets (ROA) | 1.0671% | 2,074 |
| Pretax return on assets | 1.4066% | 1,767 |
| Return on Equity (ROE) | 12.3458% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.3458% | 274 |
| Net charge-offs to loans | 0.0265% | 6,064 |
| Credit loss provision to net charge-offs | 525.9740% | 437 |
| Earnings coverage of net charge-offs (x) | 91.2078% | 329 |
| Efficiency ratio | 64.1391% | 5,102 |
| Assets per employee ($millions) | 4.3399% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 4,452 |
| Loan loss allowance to noncurrent loans | 308.9066% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 6,256 |
| Noncurrent loans to loans | 0.4538% | 5,799 |
| Net loans and leases to total assets | 60.6496% | 3,857 |
| Net loans and leases to deposits | 68.8126% | 4,308 |
| Net loans and leases to core deposits | 73.8035% | 4,268 |
| Total domestic deposits to total assets | 88.1373% | 2,069 |
| Equity capital to assets | 9.0349% | 5,510 |
| Core capital (leverage) ratio | 8.5490% | 5,483 |
| Tier 1 risk-based capital ratio | 13.0705% | 5,007 |
| Total risk-based capital ratio | 14.3289% | 4,976 |
| Memoranda: | ||
| Average total assets | $952,408,200 | 684 |
| Average earning assets | $887,415,000 | 664 |
| Average equity | $82,319,400 | 813 |
| Average total loans | $581,971,400 | 726 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 5,103 |
| Cost of funding earning assets | 1.0796% | 3,113 |
| Net interest margin | 3.4644% | 5,342 |
| Noninterest income to average assets | 0.8578% | 1,810 |
| Noninterest expense to average assets | 2.6519% | 4,898 |
| Loan and lease loss provision to assets | 0.0891% | 5,342 |
| Net operating income to assets | 1.0171% | 2,261 |
| Return on assets (ROA) | 1.0317% | 2,367 |
| Pretax return on assets | 1.3660% | 2,062 |
| Return on Equity (ROE) | 12.0801% | 1,532 |
| Retained earnings to average equity (ytd only) | 12.0801% | 491 |
| Net charge-offs to loans | 0.0065% | 6,080 |
| Credit loss provision to net charge-offs | 2,250.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 362.7734% | 102 |
| Efficiency ratio | 64.8741% | 4,923 |
| Assets per employee ($millions) | 4.1962% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 4,547 |
| Loan loss allowance to noncurrent loans | 348.7454% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 6,437 |
| Noncurrent loans to loans | 0.4026% | 6,044 |
| Net loans and leases to total assets | 60.6303% | 4,022 |
| Net loans and leases to deposits | 68.7848% | 4,475 |
| Net loans and leases to core deposits | 74.9593% | 4,325 |
| Total domestic deposits to total assets | 88.1448% | 1,959 |
| Equity capital to assets | 8.8820% | 5,881 |
| Core capital (leverage) ratio | 8.4343% | 5,799 |
| Tier 1 risk-based capital ratio | 12.8296% | 5,219 |
| Total risk-based capital ratio | 14.0897% | 5,190 |
| Memoranda: | ||
| Average total assets | $943,138,750 | 700 |
| Average earning assets | $879,320,250 | 679 |
| Average equity | $80,549,500 | 835 |
| Average total loans | $575,301,500 | 745 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 5,163 |
| Cost of funding earning assets | 1.0910% | 3,310 |
| Net interest margin | 3.4616% | 5,317 |
| Noninterest income to average assets | 0.8441% | 1,823 |
| Noninterest expense to average assets | 2.6581% | 4,976 |
| Loan and lease loss provision to assets | 0.1011% | 5,048 |
| Net operating income to assets | 0.9802% | 2,312 |
| Return on assets (ROA) | 0.9871% | 2,379 |
| Pretax return on assets | 1.3210% | 2,074 |
| Return on Equity (ROE) | 11.7225% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.7225% | 560 |
| Net charge-offs to loans | -0.0106% | 6,694 |
| Credit loss provision to net charge-offs | -1,566.6667% | 6,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2952% | 5,007 |
| Assets per employee ($millions) | 4.2229% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 4,331 |
| Loan loss allowance to noncurrent loans | 291.5419% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 6,378 |
| Noncurrent loans to loans | 0.4983% | 5,908 |
| Net loans and leases to total assets | 59.5323% | 4,366 |
| Net loans and leases to deposits | 67.2971% | 4,817 |
| Net loans and leases to core deposits | 73.6477% | 4,622 |
| Total domestic deposits to total assets | 88.4619% | 1,877 |
| Equity capital to assets | 8.6286% | 6,029 |
| Core capital (leverage) ratio | 8.2226% | 5,996 |
| Tier 1 risk-based capital ratio | 12.8290% | 5,067 |
| Total risk-based capital ratio | 14.0858% | 5,039 |
| Memoranda: | ||
| Average total assets | $930,212,000 | 719 |
| Average earning assets | $867,116,000 | 694 |
| Average equity | $78,328,000 | 865 |
| Average total loans | $565,796,000 | 762 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 5,311 |
| Cost of funding earning assets | 1.0935% | 3,568 |
| Net interest margin | 3.4142% | 5,375 |
| Noninterest income to average assets | 0.8147% | 1,971 |
| Noninterest expense to average assets | 2.7138% | 4,778 |
| Loan and lease loss provision to assets | 0.1525% | 4,116 |
| Net operating income to assets | 0.8321% | 2,874 |
| Return on assets (ROA) | 0.8321% | 2,931 |
| Pretax return on assets | 1.1314% | 2,638 |
| Return on Equity (ROE) | 10.0108% | 2,091 |
| Retained earnings to average equity (ytd only) | 10.0108% | 1,113 |
| Net charge-offs to loans | -0.0407% | 6,822 |
| Credit loss provision to net charge-offs | -614.0351% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8836% | 4,677 |
| Assets per employee ($millions) | 4.2159% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 4,287 |
| Loan loss allowance to noncurrent loans | 795.6772% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 6,848 |
| Noncurrent loans to loans | 0.1865% | 6,594 |
| Net loans and leases to total assets | 57.7098% | 4,687 |
| Net loans and leases to deposits | 65.0066% | 5,129 |
| Net loans and leases to core deposits | 70.5718% | 4,974 |
| Total domestic deposits to total assets | 88.7753% | 1,915 |
| Equity capital to assets | 8.1373% | 6,359 |
| Core capital (leverage) ratio | 8.2029% | 5,965 |
| Tier 1 risk-based capital ratio | 12.6831% | 5,085 |
| Total risk-based capital ratio | 13.9381% | 5,056 |
| Memoranda: | ||
| Average total assets | $918,130,000 | 731 |
| Average earning assets | $855,965,500 | 709 |
| Average equity | $76,317,500 | 879 |
| Average total loans | $560,425,000 | 780 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 4,728 |
| Cost of funding earning assets | 1.2288% | 4,363 |
| Net interest margin | 3.7348% | 4,207 |
| Noninterest income to average assets | 0.9658% | 1,623 |
| Noninterest expense to average assets | 2.8653% | 4,359 |
| Loan and lease loss provision to assets | 0.2345% | 4,932 |
| Net operating income to assets | 0.9885% | 2,076 |
| Return on assets (ROA) | 1.0140% | 2,096 |
| Pretax return on assets | 1.3677% | 1,742 |
| Return on Equity (ROE) | 11.9778% | 1,318 |
| Retained earnings to average equity (ytd only) | 11.9778% | 276 |
| Net charge-offs to loans | 0.1232% | 5,659 |
| Credit loss provision to net charge-offs | 297.2973% | 902 |
| Earnings coverage of net charge-offs (x) | 19.8784% | 1,041 |
| Efficiency ratio | 64.6347% | 5,235 |
| Assets per employee ($millions) | 3.8919% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 4,504 |
| Loan loss allowance to noncurrent loans | 2,616.6113% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 7,081 |
| Noncurrent loans to loans | 0.0535% | 6,993 |
| Net loans and leases to total assets | 62.8021% | 4,115 |
| Net loans and leases to deposits | 71.3925% | 4,625 |
| Net loans and leases to core deposits | 76.3074% | 4,659 |
| Total domestic deposits to total assets | 87.9674% | 2,265 |
| Equity capital to assets | 8.5010% | 5,855 |
| Core capital (leverage) ratio | 8.4578% | 5,438 |
| Tier 1 risk-based capital ratio | 12.7039% | 4,861 |
| Total risk-based capital ratio | 13.9591% | 4,830 |
| Memoranda: | ||
| Average total assets | $844,458,600 | 798 |
| Average earning assets | $783,948,400 | 779 |
| Average equity | $71,490,400 | 943 |
| Average total loans | $540,545,800 | 837 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0332% | 4,663 |
| Cost of funding earning assets | 1.2558% | 4,537 |
| Net interest margin | 3.7774% | 4,067 |
| Noninterest income to average assets | 0.9260% | 1,702 |
| Noninterest expense to average assets | 2.8535% | 4,269 |
| Loan and lease loss provision to assets | 0.2372% | 4,703 |
| Net operating income to assets | 0.9885% | 2,280 |
| Return on assets (ROA) | 1.0122% | 2,311 |
| Pretax return on assets | 1.3659% | 1,984 |
| Return on Equity (ROE) | 11.9698% | 1,513 |
| Retained earnings to average equity (ytd only) | 11.9698% | 464 |
| Net charge-offs to loans | 0.1839% | 4,850 |
| Credit loss provision to net charge-offs | 201.2195% | 1,769 |
| Earnings coverage of net charge-offs (x) | 13.3265% | 1,592 |
| Efficiency ratio | 64.4933% | 5,159 |
| Assets per employee ($millions) | 3.8707% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 4,900 |
| Loan loss allowance to noncurrent loans | 3,431.4554% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 7,209 |
| Noncurrent loans to loans | 0.0382% | 7,151 |
| Net loans and leases to total assets | 63.7691% | 4,167 |
| Net loans and leases to deposits | 72.7383% | 4,730 |
| Net loans and leases to core deposits | 78.0630% | 4,794 |
| Total domestic deposits to total assets | 87.6692% | 2,178 |
| Equity capital to assets | 8.6712% | 6,074 |
| Core capital (leverage) ratio | 8.3170% | 5,840 |
| Tier 1 risk-based capital ratio | 12.5103% | 4,973 |
| Total risk-based capital ratio | 13.7684% | 4,940 |
| Memoranda: | ||
| Average total assets | $834,707,000 | 808 |
| Average earning assets | $773,064,500 | 791 |
| Average equity | $70,587,250 | 954 |
| Average total loans | $535,004,500 | 846 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 4,599 |
| Cost of funding earning assets | 1.2790% | 4,656 |
| Net interest margin | 3.7937% | 3,923 |
| Noninterest income to average assets | 0.8902% | 1,724 |
| Noninterest expense to average assets | 2.8640% | 4,211 |
| Loan and lease loss provision to assets | 0.2399% | 4,516 |
| Net operating income to assets | 0.9482% | 2,374 |
| Return on assets (ROA) | 0.9842% | 2,338 |
| Pretax return on assets | 1.3381% | 1,981 |
| Return on Equity (ROE) | 11.7425% | 1,518 |
| Retained earnings to average equity (ytd only) | 11.7425% | 530 |
| Net charge-offs to loans | 0.0921% | 5,210 |
| Credit loss provision to net charge-offs | 407.4074% | 892 |
| Earnings coverage of net charge-offs (x) | 25.9671% | 1,017 |
| Efficiency ratio | 65.1900% | 5,119 |
| Assets per employee ($millions) | 3.9562% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 4,649 |
| Loan loss allowance to noncurrent loans | 1,661.1364% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 6,870 |
| Noncurrent loans to loans | 0.0817% | 7,104 |
| Net loans and leases to total assets | 61.6302% | 4,757 |
| Net loans and leases to deposits | 69.8908% | 5,296 |
| Net loans and leases to core deposits | 75.3523% | 5,268 |
| Total domestic deposits to total assets | 88.1808% | 1,897 |
| Equity capital to assets | 8.3678% | 6,332 |
| Core capital (leverage) ratio | 8.3804% | 5,610 |
| Tier 1 risk-based capital ratio | 12.3695% | 4,976 |
| Total risk-based capital ratio | 13.6268% | 4,950 |
| Memoranda: | ||
| Average total assets | $825,223,000 | 825 |
| Average earning assets | $761,991,670 | 805 |
| Average equity | $69,167,670 | 963 |
| Average total loans | $527,426,670 | 865 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0926% | 4,568 |
| Cost of funding earning assets | 1.3021% | 4,801 |
| Net interest margin | 3.7906% | 3,833 |
| Noninterest income to average assets | 0.8594% | 1,773 |
| Noninterest expense to average assets | 2.8678% | 4,194 |
| Loan and lease loss provision to assets | 0.2455% | 4,083 |
| Net operating income to assets | 0.9313% | 2,425 |
| Return on assets (ROA) | 0.9313% | 2,492 |
| Pretax return on assets | 1.2745% | 2,124 |
| Return on Equity (ROE) | 11.1013% | 1,757 |
| Retained earnings to average equity (ytd only) | 11.1013% | 898 |
| Net charge-offs to loans | 0.0245% | 5,237 |
| Credit loss provision to net charge-offs | 1,546.8750% | 312 |
| Earnings coverage of net charge-offs (x) | 95.7813% | 337 |
| Efficiency ratio | 65.3594% | 5,242 |
| Assets per employee ($millions) | 3.8015% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 4,732 |
| Loan loss allowance to noncurrent loans | 357.5064% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 6,829 |
| Noncurrent loans to loans | 0.3750% | 6,540 |
| Net loans and leases to total assets | 63.2475% | 4,481 |
| Net loans and leases to deposits | 72.0015% | 5,047 |
| Net loans and leases to core deposits | 77.9259% | 5,026 |
| Total domestic deposits to total assets | 87.8420% | 2,146 |
| Equity capital to assets | 8.4710% | 6,041 |
| Core capital (leverage) ratio | 8.3738% | 5,604 |
| Tier 1 risk-based capital ratio | 12.2434% | 4,946 |
| Total risk-based capital ratio | 13.4977% | 4,919 |
| Memoranda: | ||
| Average total assets | $806,609,500 | 865 |
| Average earning assets | $750,809,000 | 837 |
| Average equity | $67,667,500 | 982 |
| Average total loans | $521,720,500 | 897 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6286% | 3,450 |
| Cost of funding earning assets | 1.7431% | 4,285 |
| Net interest margin | 3.8855% | 3,325 |
| Noninterest income to average assets | 1.0903% | 1,295 |
| Noninterest expense to average assets | 3.0956% | 3,765 |
| Loan and lease loss provision to assets | 0.2656% | 5,286 |
| Net operating income to assets | 1.0009% | 1,840 |
| Return on assets (ROA) | 1.0151% | 1,837 |
| Pretax return on assets | 1.3465% | 1,567 |
| Return on Equity (ROE) | 12.3153% | 1,090 |
| Retained earnings to average equity (ytd only) | 12.3153% | 190 |
| Net charge-offs to loans | 0.0839% | 6,274 |
| Credit loss provision to net charge-offs | 462.6168% | 672 |
| Earnings coverage of net charge-offs (x) | 27.7523% | 822 |
| Efficiency ratio | 66.0221% | 5,388 |
| Assets per employee ($millions) | 3.7018% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 4,974 |
| Loan loss allowance to noncurrent loans | 363.1433% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 6,790 |
| Noncurrent loans to loans | 0.3479% | 6,581 |
| Net loans and leases to total assets | 64.4453% | 4,504 |
| Net loans and leases to deposits | 73.3316% | 5,146 |
| Net loans and leases to core deposits | 98.9000% | 4,126 |
| Total domestic deposits to total assets | 87.8820% | 2,022 |
| Equity capital to assets | 8.3051% | 6,190 |
| Core capital (leverage) ratio | 8.2442% | 5,736 |
| Tier 1 risk-based capital ratio | 11.8026% | 5,112 |
| Total risk-based capital ratio | 12.9984% | 5,116 |
| Memoranda: | ||
| Average total assets | $745,578,600 | 919 |
| Average earning assets | $690,491,000 | 901 |
| Average equity | $61,452,200 | 1,076 |
| Average total loans | $509,880,400 | 937 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7240% | 3,218 |
| Cost of funding earning assets | 1.8493% | 4,161 |
| Net interest margin | 3.8747% | 3,323 |
| Noninterest income to average assets | 1.1248% | 1,249 |
| Noninterest expense to average assets | 3.1559% | 3,445 |
| Loan and lease loss provision to assets | 0.2701% | 4,804 |
| Net operating income to assets | 0.9639% | 2,179 |
| Return on assets (ROA) | 0.9831% | 2,175 |
| Pretax return on assets | 1.3089% | 1,935 |
| Return on Equity (ROE) | 11.9529% | 1,366 |
| Retained earnings to average equity (ytd only) | 11.9529% | 345 |
| Net charge-offs to loans | 0.0998% | 5,670 |
| Credit loss provision to net charge-offs | 390.7895% | 1,029 |
| Earnings coverage of net charge-offs (x) | 22.4739% | 1,155 |
| Efficiency ratio | 67.0143% | 5,184 |
| Assets per employee ($millions) | 3.7173% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 5,254 |
| Loan loss allowance to noncurrent loans | 212.9178% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 6,495 |
| Noncurrent loans to loans | 0.5525% | 6,210 |
| Net loans and leases to total assets | 67.7447% | 4,012 |
| Net loans and leases to deposits | 77.5379% | 4,815 |
| Net loans and leases to core deposits | 105.6041% | 3,744 |
| Total domestic deposits to total assets | 87.3698% | 1,967 |
| Equity capital to assets | 8.4562% | 6,302 |
| Core capital (leverage) ratio | 8.2636% | 5,896 |
| Tier 1 risk-based capital ratio | 11.2593% | 5,679 |
| Total risk-based capital ratio | 12.3703% | 5,787 |
| Memoranda: | ||
| Average total assets | $733,001,000 | 940 |
| Average earning assets | $678,090,000 | 926 |
| Average equity | $60,290,500 | 1,114 |
| Average total loans | $507,481,750 | 958 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 3,201 |
| Cost of funding earning assets | 1.9424% | 4,048 |
| Net interest margin | 3.8259% | 3,434 |
| Noninterest income to average assets | 1.1395% | 1,212 |
| Noninterest expense to average assets | 3.2276% | 3,245 |
| Loan and lease loss provision to assets | 0.2733% | 4,391 |
| Net operating income to assets | 0.8950% | 2,474 |
| Return on assets (ROA) | 0.9250% | 2,456 |
| Pretax return on assets | 1.2076% | 2,280 |
| Return on Equity (ROE) | 11.3570% | 1,598 |
| Retained earnings to average equity (ytd only) | 11.3570% | 513 |
| Net charge-offs to loans | 0.1144% | 5,012 |
| Credit loss provision to net charge-offs | 343.7500% | 1,346 |
| Earnings coverage of net charge-offs (x) | 18.1389% | 1,427 |
| Efficiency ratio | 69.1198% | 4,953 |
| Assets per employee ($millions) | 3.5147% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 5,456 |
| Loan loss allowance to noncurrent loans | 280.8260% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 6,760 |
| Noncurrent loans to loans | 0.3989% | 6,511 |
| Net loans and leases to total assets | 67.6656% | 4,218 |
| Net loans and leases to deposits | 77.1495% | 5,009 |
| Net loans and leases to core deposits | 105.3571% | 3,913 |
| Total domestic deposits to total assets | 87.7072% | 1,927 |
| Equity capital to assets | 8.0567% | 6,680 |
| Core capital (leverage) ratio | 8.0889% | 6,180 |
| Tier 1 risk-based capital ratio | 11.1561% | 5,724 |
| Total risk-based capital ratio | 12.2172% | 5,846 |
| Memoranda: | ||
| Average total assets | $724,557,330 | 964 |
| Average earning assets | $668,543,670 | 952 |
| Average equity | $59,012,000 | 1,149 |
| Average total loans | $503,360,670 | 990 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8187% | 3,205 |
| Cost of funding earning assets | 2.0261% | 4,004 |
| Net interest margin | 3.7926% | 3,475 |
| Noninterest income to average assets | 1.0858% | 1,267 |
| Noninterest expense to average assets | 3.1786% | 3,078 |
| Loan and lease loss provision to assets | 0.2772% | 3,739 |
| Net operating income to assets | 0.9183% | 2,621 |
| Return on assets (ROA) | 0.9587% | 2,610 |
| Pretax return on assets | 1.1710% | 2,722 |
| Return on Equity (ROE) | 11.7055% | 1,757 |
| Retained earnings to average equity (ytd only) | 11.7055% | 846 |
| Net charge-offs to loans | 0.0208% | 5,272 |
| Credit loss provision to net charge-offs | 1,903.8462% | 335 |
| Earnings coverage of net charge-offs (x) | 96.0769% | 443 |
| Efficiency ratio | 69.4397% | 4,690 |
| Assets per employee ($millions) | 3.4136% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 5,517 |
| Loan loss allowance to noncurrent loans | 300.5485% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 6,744 |
| Noncurrent loans to loans | 0.3640% | 6,519 |
| Net loans and leases to total assets | 67.4877% | 4,245 |
| Net loans and leases to deposits | 77.6984% | 4,972 |
| Net loans and leases to core deposits | 105.0901% | 4,017 |
| Total domestic deposits to total assets | 86.8586% | 2,288 |
| Equity capital to assets | 8.1352% | 6,618 |
| Core capital (leverage) ratio | 8.1920% | 6,123 |
| Tier 1 risk-based capital ratio | 11.1166% | 5,799 |
| Total risk-based capital ratio | 12.1599% | 5,896 |
| Memoranda: | ||
| Average total assets | $714,282,000 | 983 |
| Average earning assets | $657,602,500 | 973 |
| Average equity | $58,502,500 | 1,160 |
| Average total loans | $500,094,000 | 1,002 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5593% | 2,673 |
| Cost of funding earning assets | 2.5136% | 4,134 |
| Net interest margin | 4.0457% | 2,928 |
| Noninterest income to average assets | 1.0820% | 1,346 |
| Noninterest expense to average assets | 3.3231% | 2,888 |
| Loan and lease loss provision to assets | 0.1550% | 5,380 |
| Net operating income to assets | 0.9902% | 2,598 |
| Return on assets (ROA) | 0.9909% | 2,473 |
| Pretax return on assets | 1.3179% | 2,251 |
| Return on Equity (ROE) | 12.2710% | 1,529 |
| Retained earnings to average equity (ytd only) | 12.2710% | 209 |
| Net charge-offs to loans | 0.1854% | 4,347 |
| Credit loss provision to net charge-offs | 114.4307% | 4,721 |
| Earnings coverage of net charge-offs (x) | 10.8692% | 2,453 |
| Efficiency ratio | 69.3030% | 4,476 |
| Assets per employee ($millions) | 3.1149% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 6,021 |
| Loan loss allowance to noncurrent loans | 846.2838% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 7,155 |
| Noncurrent loans to loans | 0.1185% | 7,057 |
| Net loans and leases to total assets | 71.1722% | 3,757 |
| Net loans and leases to deposits | 82.9203% | 4,585 |
| Net loans and leases to core deposits | 112.9187% | 3,455 |
| Total domestic deposits to total assets | 85.8321% | 2,479 |
| Equity capital to assets | 8.2487% | 6,482 |
| Core capital (leverage) ratio | 8.0943% | 6,331 |
| Tier 1 risk-based capital ratio | 10.8734% | 5,838 |
| Total risk-based capital ratio | 11.8415% | 6,015 |
| Memoranda: | ||
| Average total assets | $654,984,800 | 1,023 |
| Average earning assets | $601,128,600 | 1,015 |
| Average equity | $52,888,800 | 1,277 |
| Average total loans | $478,374,200 | 1,009 |