Home > Security Bank of Kansas City > Performance and Condition Ratios
Security Bank of Kansas City, 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 | 4.5938% | 2,905 |
| Cost of funding earning assets | 1.4004% | 2,231 |
| Net interest margin | 3.1934% | 2,893 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 1.7342% | 4,092 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.3548% | 1,314 |
| Return on assets (ROA) | 1.3548% | 1,283 |
| Pretax return on assets | 1.7344% | 1,000 |
| Return on Equity (ROE) | 15.9600% | 1,103 |
| Retained earnings to average equity (ytd only) | 8.7088% | 1,331 |
| Net charge-offs to loans | -0.0013% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.6838% | 4,103 |
| Assets per employee ($millions) | 8.4178% | 1,218 |
| Cash dividends to net income (ytd only)* | 45.4386% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 1,611 |
| Loan loss allowance to noncurrent loans | 1,840.8867% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 3,368 |
| Noncurrent loans to loans | 0.0728% | 3,196 |
| Net loans and leases to total assets | 51.8900% | 3,484 |
| Net loans and leases to deposits | 68.3132% | 3,005 |
| Net loans and leases to core deposits | 72.5539% | 3,153 |
| Total domestic deposits to total assets | 75.9600% | 3,948 |
| Equity capital to assets | 9.1161% | 2,598 |
| Core capital (leverage) ratio | 11.5797% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,573,777,400 | 352 |
| Average earning assets | $3,285,476,600 | 341 |
| Average equity | $303,335,200 | 394 |
| Average total loans | $1,781,212,800 | 448 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 2,872 |
| Cost of funding earning assets | 1.2676% | 2,228 |
| Net interest margin | 3.2491% | 2,804 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 1.7488% | 4,054 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.4081% | 1,301 |
| Return on assets (ROA) | 1.4081% | 1,286 |
| Pretax return on assets | 1.8208% | 981 |
| Return on Equity (ROE) | 16.9200% | 1,089 |
| Retained earnings to average equity (ytd only) | 11.9386% | 983 |
| Net charge-offs to loans | -0.0013% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.7628% | 4,096 |
| Assets per employee ($millions) | 8.3656% | 1,182 |
| Cash dividends to net income (ytd only)* | 29.4307% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 1,684 |
| Loan loss allowance to noncurrent loans | 4,710.2996% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,693 |
| Noncurrent loans to loans | 0.0285% | 3,567 |
| Net loans and leases to total assets | 51.1400% | 3,547 |
| Net loans and leases to deposits | 63.8080% | 3,281 |
| Net loans and leases to core deposits | 67.5962% | 3,348 |
| Total domestic deposits to total assets | 80.1500% | 3,505 |
| Equity capital to assets | 7.6553% | 3,269 |
| Core capital (leverage) ratio | 11.7413% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,539,162,000 | 358 |
| Average earning assets | $3,248,930,000 | 347 |
| Average equity | $294,566,500 | 405 |
| Average total loans | $1,738,390,500 | 456 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 2,913 |
| Cost of funding earning assets | 1.1274% | 2,201 |
| Net interest margin | 3.2602% | 2,844 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 1.7685% | 4,054 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.3971% | 1,343 |
| Return on assets (ROA) | 1.3971% | 1,319 |
| Pretax return on assets | 1.8044% | 1,001 |
| Return on Equity (ROE) | 16.3400% | 1,210 |
| Retained earnings to average equity (ytd only) | 9.0159% | 1,681 |
| Net charge-offs to loans | -0.0011% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.9446% | 4,119 |
| Assets per employee ($millions) | 7.9950% | 1,321 |
| Cash dividends to net income (ytd only)* | 44.8102% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 1,686 |
| Loan loss allowance to noncurrent loans | 4,444.5471% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,688 |
| Noncurrent loans to loans | 0.0305% | 3,525 |
| Net loans and leases to total assets | 49.0400% | 3,617 |
| Net loans and leases to deposits | 61.0849% | 3,361 |
| Net loans and leases to core deposits | 64.2658% | 3,435 |
| Total domestic deposits to total assets | 80.2800% | 3,533 |
| Equity capital to assets | 8.5177% | 2,850 |
| Core capital (leverage) ratio | 11.6238% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,514,234,667 | 348 |
| Average earning assets | $3,228,796,667 | 337 |
| Average equity | $300,536,333 | 384 |
| Average total loans | $1,693,400,000 | 448 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 2,910 |
| Cost of funding earning assets | 0.9282% | 2,283 |
| Net interest margin | 3.3277% | 2,806 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 1.7891% | 4,051 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 1.4114% | 1,376 |
| Return on assets (ROA) | 1.4114% | 1,348 |
| Pretax return on assets | 1.8229% | 1,028 |
| Return on Equity (ROE) | 16.4700% | 1,267 |
| Retained earnings to average equity (ytd only) | 16.4700% | 646 |
| Net charge-offs to loans | -0.0012% | 3,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.3478% | 4,197 |
| Assets per employee ($millions) | 7.8829% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 1,685 |
| Loan loss allowance to noncurrent loans | 3,602.3401% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,628 |
| Noncurrent loans to loans | 0.0384% | 3,471 |
| Net loans and leases to total assets | 47.0500% | 3,709 |
| Net loans and leases to deposits | 57.3414% | 3,484 |
| Net loans and leases to core deposits | 59.9110% | 3,545 |
| Total domestic deposits to total assets | 82.0600% | 3,477 |
| Equity capital to assets | 9.0264% | 2,498 |
| Core capital (leverage) ratio | 11.7755% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,488,473,500 | 359 |
| Average earning assets | $3,204,005,500 | 350 |
| Average equity | $298,944,000 | 394 |
| Average total loans | $1,653,767,500 | 467 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3065% | 3,577 |
| Cost of funding earning assets | 0.2534% | 3,292 |
| Net interest margin | 3.0531% | 3,307 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.6975% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2592% | 1,570 |
| Return on assets (ROA) | 1.2592% | 1,515 |
| Pretax return on assets | 1.6162% | 1,128 |
| Return on Equity (ROE) | 13.0000% | 1,815 |
| Retained earnings to average equity (ytd only) | 6.5383% | 2,434 |
| Net charge-offs to loans | 0.3551% | 211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 10.4985% | 2,190 |
| Efficiency ratio | 51.2258% | 4,047 |
| Assets per employee ($millions) | 7.7959% | 1,439 |
| Cash dividends to net income (ytd only)* | 49.6984% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 621 |
| Loan loss allowance to noncurrent loans | 8,564.5714% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,787 |
| Noncurrent loans to loans | 0.0214% | 3,652 |
| Net loans and leases to total assets | 46.2400% | 3,788 |
| Net loans and leases to deposits | 56.1655% | 3,567 |
| Net loans and leases to core deposits | 57.7574% | 3,629 |
| Total domestic deposits to total assets | 82.3200% | 3,564 |
| Equity capital to assets | 8.1095% | 2,987 |
| Core capital (leverage) ratio | 11.6803% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $3,515,496,200 | 342 |
| Average earning assets | $3,265,463,400 | 332 |
| Average equity | $340,561,400 | 351 |
| Average total loans | $1,524,149,800 | 469 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1052% | 3,667 |
| Cost of funding earning assets | 0.1927% | 3,364 |
| Net interest margin | 2.9125% | 3,456 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.6807% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1689% | 1,819 |
| Return on assets (ROA) | 1.1689% | 1,795 |
| Pretax return on assets | 1.4976% | 1,415 |
| Return on Equity (ROE) | 11.6000% | 2,171 |
| Retained earnings to average equity (ytd only) | 7.4711% | 2,201 |
| Net charge-offs to loans | 0.4828% | 134 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 7.3106% | 2,077 |
| Efficiency ratio | 52.8811% | 3,927 |
| Assets per employee ($millions) | 7.6448% | 1,520 |
| Cash dividends to net income (ytd only)* | 35.5941% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 515 |
| Loan loss allowance to noncurrent loans | 3,784.3434% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 3,717 |
| Noncurrent loans to loans | 0.0524% | 3,503 |
| Net loans and leases to total assets | 42.9500% | 3,940 |
| Net loans and leases to deposits | 48.9237% | 3,915 |
| Net loans and leases to core deposits | 50.1486% | 3,935 |
| Total domestic deposits to total assets | 87.7900% | 2,489 |
| Equity capital to assets | 7.8221% | 3,010 |
| Core capital (leverage) ratio | 11.3223% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $3,525,131,000 | 342 |
| Average earning assets | $3,285,067,500 | 331 |
| Average equity | $355,210,750 | 341 |
| Average total loans | $1,495,783,750 | 474 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8952% | 3,797 |
| Cost of funding earning assets | 0.1618% | 3,419 |
| Net interest margin | 2.7334% | 3,633 |
| Noninterest income to average assets | 0.4501% | 2,449 |
| Noninterest expense to average assets | 1.6670% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0508% | 1,971 |
| Return on assets (ROA) | 1.0508% | 1,941 |
| Pretax return on assets | 1.3424% | 1,607 |
| Return on Equity (ROE) | 9.7238% | 2,439 |
| Retained earnings to average equity (ytd only) | 3.9904% | 3,083 |
| Net charge-offs to loans | 0.8012% | 80 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 3.9910% | 1,972 |
| Efficiency ratio | 55.3929% | 3,838 |
| Assets per employee ($millions) | 7.6957% | 1,481 |
| Cash dividends to net income (ytd only)* | 58.9623% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 579 |
| Loan loss allowance to noncurrent loans | 4,456.9697% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,820 |
| Noncurrent loans to loans | 0.0443% | 3,611 |
| Net loans and leases to total assets | 42.0441% | 3,967 |
| Net loans and leases to deposits | 48.5197% | 3,897 |
| Net loans and leases to core deposits | 49.8393% | 3,943 |
| Total domestic deposits to total assets | 86.6535% | 3,056 |
| Equity capital to assets | 9.3928% | 2,104 |
| Core capital (leverage) ratio | 11.2645% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,550,906,667 | 334 |
| Average earning assets | $3,324,848,667 | 331 |
| Average equity | $383,717,000 | 322 |
| Average total loans | $1,490,785,667 | 471 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6849% | 3,974 |
| Cost of funding earning assets | 0.1584% | 3,396 |
| Net interest margin | 2.5265% | 3,843 |
| Noninterest income to average assets | 0.4164% | 2,585 |
| Noninterest expense to average assets | 1.6847% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8725% | 2,402 |
| Return on assets (ROA) | 0.8725% | 2,389 |
| Pretax return on assets | 1.1089% | 2,111 |
| Return on Equity (ROE) | 7.5943% | 2,841 |
| Retained earnings to average equity (ytd only) | 7.5943% | 1,703 |
| Net charge-offs to loans | -0.0327% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3054% | 3,455 |
| Assets per employee ($millions) | 7.9342% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3524% | 343 |
| Loan loss allowance to noncurrent loans | 8,495.2153% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 3,754 |
| Noncurrent loans to loans | 0.0277% | 3,795 |
| Net loans and leases to total assets | 41.8415% | 3,890 |
| Net loans and leases to deposits | 49.1175% | 3,804 |
| Net loans and leases to core deposits | 50.4606% | 3,848 |
| Total domestic deposits to total assets | 85.1865% | 3,501 |
| Equity capital to assets | 10.7269% | 1,478 |
| Core capital (leverage) ratio | 11.1263% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,590,982,500 | 334 |
| Average earning assets | $3,378,726,000 | 329 |
| Average equity | $412,575,000 | 309 |
| Average total loans | $1,491,847,500 | 463 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8038% | 4,202 |
| Cost of funding earning assets | 0.1822% | 3,636 |
| Net interest margin | 2.6216% | 4,020 |
| Noninterest income to average assets | 0.4842% | 2,655 |
| Noninterest expense to average assets | 1.6391% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0334% | 2,547 |
| Return on assets (ROA) | 1.0229% | 2,656 |
| Pretax return on assets | 1.3101% | 2,326 |
| Return on Equity (ROE) | 7.3405% | 3,429 |
| Retained earnings to average equity (ytd only) | -11.3553% | 4,777 |
| Net charge-offs to loans | -0.0497% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3281% | 3,783 |
| Assets per employee ($millions) | 8.1315% | 1,263 |
| Cash dividends to net income (ytd only)* | 254.6942% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4005% | 325 |
| Loan loss allowance to noncurrent loans | 8,116.5138% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,842 |
| Noncurrent loans to loans | 0.0296% | 3,862 |
| Net loans and leases to total assets | 39.3206% | 4,131 |
| Net loans and leases to deposits | 47.3508% | 4,034 |
| Net loans and leases to core deposits | 48.7690% | 4,066 |
| Total domestic deposits to total assets | 83.0409% | 3,797 |
| Equity capital to assets | 12.2231% | 1,161 |
| Core capital (leverage) ratio | 10.5926% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,608,064,800 | 324 |
| Average earning assets | $3,410,639,000 | 317 |
| Average equity | $502,786,600 | 267 |
| Average total loans | $1,648,744,000 | 426 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8097% | 4,291 |
| Cost of funding earning assets | 0.1872% | 3,740 |
| Net interest margin | 2.6225% | 4,102 |
| Noninterest income to average assets | 0.4190% | 2,987 |
| Noninterest expense to average assets | 1.6469% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9789% | 2,993 |
| Return on assets (ROA) | 0.9652% | 3,117 |
| Pretax return on assets | 1.2328% | 2,826 |
| Return on Equity (ROE) | 6.7162% | 3,740 |
| Retained earnings to average equity (ytd only) | -4.1222% | 4,769 |
| Net charge-offs to loans | -0.0241% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8472% | 3,436 |
| Assets per employee ($millions) | 7.7063% | 1,443 |
| Cash dividends to net income (ytd only)* | 161.3771% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1767% | 476 |
| Loan loss allowance to noncurrent loans | 7,890.2715% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,858 |
| Noncurrent loans to loans | 0.0276% | 3,999 |
| Net loans and leases to total assets | 42.1947% | 4,077 |
| Net loans and leases to deposits | 51.0724% | 3,945 |
| Net loans and leases to core deposits | 52.7277% | 4,000 |
| Total domestic deposits to total assets | 82.6175% | 3,796 |
| Equity capital to assets | 13.3258% | 896 |
| Core capital (leverage) ratio | 11.6529% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,595,285,500 | 326 |
| Average earning assets | $3,397,330,000 | 315 |
| Average equity | $516,667,000 | 266 |
| Average total loans | $1,692,380,250 | 416 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8078% | 4,332 |
| Cost of funding earning assets | 0.1943% | 3,815 |
| Net interest margin | 2.6135% | 4,140 |
| Noninterest income to average assets | 0.3859% | 3,185 |
| Noninterest expense to average assets | 1.6741% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9263% | 3,138 |
| Return on assets (ROA) | 0.9151% | 3,254 |
| Pretax return on assets | 1.1659% | 3,007 |
| Return on Equity (ROE) | 6.2104% | 3,858 |
| Retained earnings to average equity (ytd only) | 1.6293% | 4,208 |
| Net charge-offs to loans | -0.0158% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6528% | 3,198 |
| Assets per employee ($millions) | 7.1504% | 1,691 |
| Cash dividends to net income (ytd only)* | 73.7644% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 591 |
| Loan loss allowance to noncurrent loans | 6,462.7561% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 3,935 |
| Noncurrent loans to loans | 0.0312% | 4,046 |
| Net loans and leases to total assets | 46.3594% | 3,877 |
| Net loans and leases to deposits | 56.8761% | 3,649 |
| Net loans and leases to core deposits | 58.6741% | 3,713 |
| Total domestic deposits to total assets | 81.5095% | 4,011 |
| Equity capital to assets | 14.3974% | 636 |
| Core capital (leverage) ratio | 12.5474% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,555,561,667 | 328 |
| Average earning assets | $3,357,973,667 | 317 |
| Average equity | $523,895,333 | 264 |
| Average total loans | $1,722,447,000 | 409 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8341% | 4,334 |
| Cost of funding earning assets | 0.2036% | 3,879 |
| Net interest margin | 2.6305% | 4,094 |
| Noninterest income to average assets | 0.3560% | 3,305 |
| Noninterest expense to average assets | 1.7043% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8921% | 3,148 |
| Return on assets (ROA) | 0.8921% | 3,230 |
| Pretax return on assets | 1.1350% | 3,028 |
| Return on Equity (ROE) | 5.9837% | 3,864 |
| Retained earnings to average equity (ytd only) | 5.9837% | 2,908 |
| Net charge-offs to loans | -0.0441% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0256% | 3,029 |
| Assets per employee ($millions) | 7.1364% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0194% | 577 |
| Loan loss allowance to noncurrent loans | 471.3724% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 2,797 |
| Noncurrent loans to loans | 0.4284% | 2,576 |
| Net loans and leases to total assets | 46.6131% | 3,914 |
| Net loans and leases to deposits | 56.7130% | 3,736 |
| Net loans and leases to core deposits | 58.5354% | 3,802 |
| Total domestic deposits to total assets | 82.1913% | 3,854 |
| Equity capital to assets | 14.3503% | 604 |
| Core capital (leverage) ratio | 13.1498% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,517,150,500 | 328 |
| Average earning assets | $3,320,380,500 | 319 |
| Average equity | $524,359,000 | 263 |
| Average total loans | $1,724,342,000 | 411 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2401% | 4,407 |
| Cost of funding earning assets | 0.3028% | 4,129 |
| Net interest margin | 2.9374% | 4,045 |
| Noninterest income to average assets | 0.5068% | 2,602 |
| Noninterest expense to average assets | 1.7973% | 4,474 |
| Loan and lease loss provision to assets | 0.2430% | 1,598 |
| Net operating income to assets | 0.9664% | 2,412 |
| Return on assets (ROA) | 0.9698% | 2,545 |
| Pretax return on assets | 1.2313% | 2,216 |
| Return on Equity (ROE) | 6.0565% | 3,567 |
| Retained earnings to average equity (ytd only) | 1.6934% | 3,954 |
| Net charge-offs to loans | 0.0890% | 1,566 |
| Credit loss provision to net charge-offs | 515.1320% | 1,228 |
| Earnings coverage of net charge-offs (x) | 31.1629% | 1,574 |
| Efficiency ratio | 55.0073% | 4,089 |
| Assets per employee ($millions) | 6.6462% | 1,822 |
| Cash dividends to net income (ytd only)* | 72.0393% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 584 |
| Loan loss allowance to noncurrent loans | 461.5354% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 2,724 |
| Noncurrent loans to loans | 0.4336% | 2,674 |
| Net loans and leases to total assets | 49.5535% | 3,856 |
| Net loans and leases to deposits | 61.6085% | 3,635 |
| Net loans and leases to core deposits | 64.1123% | 3,682 |
| Total domestic deposits to total assets | 80.4328% | 3,972 |
| Equity capital to assets | 15.5000% | 487 |
| Core capital (leverage) ratio | 13.2701% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,292,116,600 | 321 |
| Average earning assets | $3,093,961,400 | 314 |
| Average equity | $527,152,200 | 249 |
| Average total loans | $1,745,534,800 | 386 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2939% | 4,476 |
| Cost of funding earning assets | 0.3245% | 4,192 |
| Net interest margin | 2.9693% | 4,047 |
| Noninterest income to average assets | 0.5410% | 2,419 |
| Noninterest expense to average assets | 1.8228% | 4,455 |
| Loan and lease loss provision to assets | 0.2453% | 1,655 |
| Net operating income to assets | 0.9921% | 2,371 |
| Return on assets (ROA) | 0.9967% | 2,481 |
| Pretax return on assets | 1.2663% | 2,172 |
| Return on Equity (ROE) | 6.1724% | 3,493 |
| Retained earnings to average equity (ytd only) | 3.2606% | 3,413 |
| Net charge-offs to loans | 0.1396% | 1,043 |
| Credit loss provision to net charge-offs | 327.5109% | 1,678 |
| Earnings coverage of net charge-offs (x) | 20.1053% | 1,915 |
| Efficiency ratio | 54.7595% | 4,066 |
| Assets per employee ($millions) | 6.8607% | 1,586 |
| Cash dividends to net income (ytd only)* | 47.1756% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 766 |
| Loan loss allowance to noncurrent loans | 274.5515% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 2,325 |
| Noncurrent loans to loans | 0.6465% | 2,173 |
| Net loans and leases to total assets | 50.7721% | 4,051 |
| Net loans and leases to deposits | 63.1488% | 3,851 |
| Net loans and leases to core deposits | 65.7473% | 3,907 |
| Total domestic deposits to total assets | 80.4007% | 3,782 |
| Equity capital to assets | 15.1815% | 594 |
| Core capital (leverage) ratio | 13.4415% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,261,103,500 | 317 |
| Average earning assets | $3,061,627,500 | 310 |
| Average equity | $526,563,500 | 249 |
| Average total loans | $1,750,068,500 | 383 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 4,497 |
| Cost of funding earning assets | 0.3623% | 4,214 |
| Net interest margin | 3.0765% | 3,950 |
| Noninterest income to average assets | 0.5528% | 2,341 |
| Noninterest expense to average assets | 1.8635% | 4,467 |
| Loan and lease loss provision to assets | 0.1890% | 2,134 |
| Net operating income to assets | 1.0844% | 2,018 |
| Return on assets (ROA) | 1.0838% | 2,145 |
| Pretax return on assets | 1.3802% | 1,772 |
| Return on Equity (ROE) | 6.5671% | 3,303 |
| Retained earnings to average equity (ytd only) | 2.1776% | 3,685 |
| Net charge-offs to loans | 0.2090% | 745 |
| Credit loss provision to net charge-offs | 166.2050% | 2,055 |
| Earnings coverage of net charge-offs (x) | 13.8083% | 1,976 |
| Efficiency ratio | 54.2738% | 4,148 |
| Assets per employee ($millions) | 6.4331% | 1,839 |
| Cash dividends to net income (ytd only)* | 66.8410% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 955 |
| Loan loss allowance to noncurrent loans | 192.0915% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 1,967 |
| Noncurrent loans to loans | 0.8453% | 1,802 |
| Net loans and leases to total assets | 52.6915% | 3,975 |
| Net loans and leases to deposits | 66.0842% | 3,715 |
| Net loans and leases to core deposits | 69.2847% | 3,754 |
| Total domestic deposits to total assets | 79.7339% | 3,891 |
| Equity capital to assets | 15.6993% | 511 |
| Core capital (leverage) ratio | 13.9281% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,174,961,333 | 319 |
| Average earning assets | $2,972,887,667 | 312 |
| Average equity | $523,978,333 | 250 |
| Average total loans | $1,727,015,333 | 383 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 4,189 |
| Cost of funding earning assets | 0.4498% | 4,156 |
| Net interest margin | 3.3703% | 3,400 |
| Noninterest income to average assets | 0.5915% | 2,072 |
| Noninterest expense to average assets | 1.9535% | 4,484 |
| Loan and lease loss provision to assets | 0.0975% | 2,464 |
| Net operating income to assets | 1.3155% | 1,203 |
| Return on assets (ROA) | 1.3142% | 1,303 |
| Pretax return on assets | 1.6853% | 876 |
| Return on Equity (ROE) | 7.7559% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.7559% | 1,303 |
| Net charge-offs to loans | 0.4124% | 355 |
| Credit loss provision to net charge-offs | 43.1034% | 2,084 |
| Earnings coverage of net charge-offs (x) | 7.8891% | 1,891 |
| Efficiency ratio | 52.2606% | 4,537 |
| Assets per employee ($millions) | 5.8619% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 1,066 |
| Loan loss allowance to noncurrent loans | 349.6842% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 2,433 |
| Noncurrent loans to loans | 0.4579% | 2,878 |
| Net loans and leases to total assets | 53.1604% | 4,050 |
| Net loans and leases to deposits | 67.6362% | 3,750 |
| Net loans and leases to core deposits | 71.4885% | 3,783 |
| Total domestic deposits to total assets | 78.5976% | 4,124 |
| Equity capital to assets | 16.9738% | 445 |
| Core capital (leverage) ratio | 14.9866% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,076,963,500 | 318 |
| Average earning assets | $2,872,660,000 | 312 |
| Average equity | $521,359,000 | 254 |
| Average total loans | $1,687,760,500 | 384 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 4,112 |
| Cost of funding earning assets | 0.5085% | 4,051 |
| Net interest margin | 3.5582% | 3,259 |
| Noninterest income to average assets | 0.4169% | 3,197 |
| Noninterest expense to average assets | 1.9093% | 4,653 |
| Loan and lease loss provision to assets | 0.0515% | 2,993 |
| Net operating income to assets | 1.3931% | 1,363 |
| Return on assets (ROA) | 1.3931% | 1,435 |
| Pretax return on assets | 1.7752% | 1,003 |
| Return on Equity (ROE) | 8.5784% | 2,915 |
| Retained earnings to average equity (ytd only) | 3.9588% | 2,982 |
| Net charge-offs to loans | 0.1398% | 1,394 |
| Credit loss provision to net charge-offs | 67.4349% | 2,943 |
| Earnings coverage of net charge-offs (x) | 23.9031% | 1,797 |
| Efficiency ratio | 51.1053% | 4,660 |
| Assets per employee ($millions) | 5.5373% | 2,032 |
| Cash dividends to net income (ytd only)* | 53.8516% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 844 |
| Loan loss allowance to noncurrent loans | 363.2395% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 2,152 |
| Noncurrent loans to loans | 0.4605% | 2,794 |
| Net loans and leases to total assets | 54.7779% | 4,025 |
| Net loans and leases to deposits | 69.0290% | 3,739 |
| Net loans and leases to core deposits | 72.7844% | 3,811 |
| Total domestic deposits to total assets | 79.3550% | 4,111 |
| Equity capital to assets | 16.9129% | 479 |
| Core capital (leverage) ratio | 14.6125% | 776 |
| Tier 1 risk-based capital ratio | 19.9975% | 1,328 |
| Total risk-based capital ratio | 21.2479% | 1,301 |
| Memoranda: | ||
| Average total assets | $3,065,829,000 | 311 |
| Average earning assets | $2,859,894,000 | 303 |
| Average equity | $497,876,200 | 249 |
| Average total loans | $1,676,397,800 | 375 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 4,173 |
| Cost of funding earning assets | 0.5111% | 4,097 |
| Net interest margin | 3.5806% | 3,301 |
| Noninterest income to average assets | 0.4043% | 3,289 |
| Noninterest expense to average assets | 1.9006% | 4,701 |
| Loan and lease loss provision to assets | 0.0498% | 2,903 |
| Net operating income to assets | 1.4066% | 1,451 |
| Return on assets (ROA) | 1.4066% | 1,512 |
| Pretax return on assets | 1.7945% | 1,106 |
| Return on Equity (ROE) | 8.7504% | 2,985 |
| Retained earnings to average equity (ytd only) | 5.6513% | 2,536 |
| Net charge-offs to loans | 0.1094% | 1,370 |
| Credit loss provision to net charge-offs | 83.6364% | 2,457 |
| Earnings coverage of net charge-offs (x) | 30.9629% | 1,592 |
| Efficiency ratio | 50.7519% | 4,697 |
| Assets per employee ($millions) | 5.8976% | 1,674 |
| Cash dividends to net income (ytd only)* | 35.4173% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 819 |
| Loan loss allowance to noncurrent loans | 309.7374% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 2,333 |
| Noncurrent loans to loans | 0.5492% | 2,650 |
| Net loans and leases to total assets | 51.3412% | 4,347 |
| Net loans and leases to deposits | 63.8950% | 4,176 |
| Net loans and leases to core deposits | 67.0428% | 4,216 |
| Total domestic deposits to total assets | 80.3525% | 3,910 |
| Equity capital to assets | 15.8839% | 657 |
| Core capital (leverage) ratio | 14.2028% | 932 |
| Tier 1 risk-based capital ratio | 20.0241% | 1,355 |
| Total risk-based capital ratio | 21.2749% | 1,326 |
| Memoranda: | ||
| Average total assets | $3,077,829,750 | 314 |
| Average earning assets | $2,871,460,250 | 308 |
| Average equity | $494,744,750 | 250 |
| Average total loans | $1,675,191,250 | 380 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 4,180 |
| Cost of funding earning assets | 0.5111% | 4,068 |
| Net interest margin | 3.5809% | 3,329 |
| Noninterest income to average assets | 0.3844% | 3,370 |
| Noninterest expense to average assets | 1.9248% | 4,716 |
| Loan and lease loss provision to assets | 0.0396% | 3,024 |
| Net operating income to assets | 1.3766% | 1,491 |
| Return on assets (ROA) | 1.3766% | 1,553 |
| Pretax return on assets | 1.7550% | 1,159 |
| Return on Equity (ROE) | 8.5281% | 3,051 |
| Retained earnings to average equity (ytd only) | 3.8232% | 3,335 |
| Net charge-offs to loans | -0.0098% | 4,319 |
| Credit loss provision to net charge-offs | -731.7073% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7489% | 4,670 |
| Assets per employee ($millions) | 5.5642% | 1,911 |
| Cash dividends to net income (ytd only)* | 55.1691% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7302% | 772 |
| Loan loss allowance to noncurrent loans | 436.4133% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 2,434 |
| Noncurrent loans to loans | 0.3965% | 3,109 |
| Net loans and leases to total assets | 54.9728% | 4,145 |
| Net loans and leases to deposits | 69.3707% | 3,892 |
| Net loans and leases to core deposits | 73.2284% | 3,931 |
| Total domestic deposits to total assets | 79.2449% | 4,173 |
| Equity capital to assets | 16.3485% | 562 |
| Core capital (leverage) ratio | 14.5574% | 810 |
| Tier 1 risk-based capital ratio | 19.1972% | 1,513 |
| Total risk-based capital ratio | 20.4482% | 1,473 |
| Memoranda: | ||
| Average total assets | $3,028,444,330 | 318 |
| Average earning assets | $2,820,557,330 | 311 |
| Average equity | $488,856,000 | 251 |
| Average total loans | $1,671,948,330 | 382 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 4,199 |
| Cost of funding earning assets | 0.5076% | 4,027 |
| Net interest margin | 3.5660% | 3,378 |
| Noninterest income to average assets | 0.3705% | 3,374 |
| Noninterest expense to average assets | 1.9455% | 4,738 |
| Loan and lease loss provision to assets | 0.0398% | 2,830 |
| Net operating income to assets | 1.3363% | 1,575 |
| Return on assets (ROA) | 1.3363% | 1,611 |
| Pretax return on assets | 1.7021% | 1,201 |
| Return on Equity (ROE) | 8.3320% | 3,103 |
| Retained earnings to average equity (ytd only) | 8.3320% | 1,539 |
| Net charge-offs to loans | -0.0063% | 4,081 |
| Credit loss provision to net charge-offs | -1,153.8462% | 3,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7611% | 4,634 |
| Assets per employee ($millions) | 5.4525% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 750 |
| Loan loss allowance to noncurrent loans | 485.3132% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 2,494 |
| Noncurrent loans to loans | 0.3642% | 3,277 |
| Net loans and leases to total assets | 53.6498% | 4,226 |
| Net loans and leases to deposits | 67.7362% | 3,948 |
| Net loans and leases to core deposits | 71.1131% | 4,001 |
| Total domestic deposits to total assets | 79.2041% | 4,317 |
| Equity capital to assets | 16.2676% | 538 |
| Core capital (leverage) ratio | 14.6237% | 783 |
| Tier 1 risk-based capital ratio | 19.5070% | 1,437 |
| Total risk-based capital ratio | 20.7580% | 1,413 |
| Memoranda: | ||
| Average total assets | $3,015,298,500 | 320 |
| Average earning assets | $2,804,690,000 | 315 |
| Average equity | $483,582,500 | 254 |
| Average total loans | $1,653,502,000 | 385 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 4,223 |
| Cost of funding earning assets | 0.3546% | 4,255 |
| Net interest margin | 3.5713% | 3,483 |
| Noninterest income to average assets | 0.4173% | 3,328 |
| Noninterest expense to average assets | 1.9401% | 4,836 |
| Loan and lease loss provision to assets | 0.0528% | 3,129 |
| Net operating income to assets | 1.4041% | 1,421 |
| Return on assets (ROA) | 1.4059% | 1,398 |
| Pretax return on assets | 1.7441% | 1,059 |
| Return on Equity (ROE) | 9.2242% | 2,874 |
| Retained earnings to average equity (ytd only) | 4.8964% | 2,829 |
| Net charge-offs to loans | -0.0085% | 4,456 |
| Credit loss provision to net charge-offs | -1,142.8571% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9472% | 4,802 |
| Assets per employee ($millions) | 5.3460% | 2,110 |
| Cash dividends to net income (ytd only)* | 46.9175% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 763 |
| Loan loss allowance to noncurrent loans | 604.9215% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 2,474 |
| Noncurrent loans to loans | 0.2886% | 3,531 |
| Net loans and leases to total assets | 54.0993% | 4,272 |
| Net loans and leases to deposits | 69.2736% | 3,879 |
| Net loans and leases to core deposits | 72.2493% | 3,974 |
| Total domestic deposits to total assets | 78.0951% | 4,473 |
| Equity capital to assets | 15.8060% | 564 |
| Core capital (leverage) ratio | 14.2200% | 863 |
| Tier 1 risk-based capital ratio | 18.9174% | 1,534 |
| Total risk-based capital ratio | 20.1682% | 1,491 |
| Memoranda: | ||
| Average total assets | $3,032,093,800 | 321 |
| Average earning assets | $2,816,518,800 | 311 |
| Average equity | $462,134,400 | 258 |
| Average total loans | $1,643,054,400 | 382 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 4,286 |
| Cost of funding earning assets | 0.3240% | 4,358 |
| Net interest margin | 3.5450% | 3,536 |
| Noninterest income to average assets | 0.4194% | 3,356 |
| Noninterest expense to average assets | 1.9344% | 4,850 |
| Loan and lease loss provision to assets | 0.0702% | 2,562 |
| Net operating income to assets | 1.4150% | 1,433 |
| Return on assets (ROA) | 1.4174% | 1,428 |
| Pretax return on assets | 1.7122% | 1,250 |
| Return on Equity (ROE) | 9.3859% | 2,910 |
| Retained earnings to average equity (ytd only) | 6.4808% | 2,397 |
| Net charge-offs to loans | -0.0160% | 4,549 |
| Credit loss provision to net charge-offs | -812.1827% | 4,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0863% | 4,804 |
| Assets per employee ($millions) | 5.5732% | 1,850 |
| Cash dividends to net income (ytd only)* | 30.9521% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 764 |
| Loan loss allowance to noncurrent loans | 527.3688% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 2,321 |
| Noncurrent loans to loans | 0.3361% | 3,458 |
| Net loans and leases to total assets | 52.1429% | 4,475 |
| Net loans and leases to deposits | 65.1598% | 4,260 |
| Net loans and leases to core deposits | 67.2690% | 4,334 |
| Total domestic deposits to total assets | 80.0230% | 4,116 |
| Equity capital to assets | 15.0478% | 705 |
| Core capital (leverage) ratio | 13.7711% | 1,005 |
| Tier 1 risk-based capital ratio | 18.8499% | 1,575 |
| Total risk-based capital ratio | 20.1007% | 1,547 |
| Memoranda: | ||
| Average total assets | $3,039,004,000 | 317 |
| Average earning assets | $2,824,126,250 | 309 |
| Average equity | $458,946,750 | 257 |
| Average total loans | $1,640,249,750 | 380 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 4,261 |
| Cost of funding earning assets | 0.3054% | 4,376 |
| Net interest margin | 3.5280% | 3,541 |
| Noninterest income to average assets | 0.4523% | 3,135 |
| Noninterest expense to average assets | 1.9422% | 4,899 |
| Loan and lease loss provision to assets | 0.1057% | 1,846 |
| Net operating income to assets | 1.4289% | 1,344 |
| Return on assets (ROA) | 1.4289% | 1,342 |
| Pretax return on assets | 1.6811% | 1,266 |
| Return on Equity (ROE) | 9.4502% | 2,827 |
| Retained earnings to average equity (ytd only) | 5.0798% | 3,032 |
| Net charge-offs to loans | -0.0157% | 4,477 |
| Credit loss provision to net charge-offs | -1,240.3101% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0840% | 4,882 |
| Assets per employee ($millions) | 5.5338% | 1,853 |
| Cash dividends to net income (ytd only)* | 46.2471% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7753% | 787 |
| Loan loss allowance to noncurrent loans | 282.5245% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 1,926 |
| Noncurrent loans to loans | 0.6284% | 2,539 |
| Net loans and leases to total assets | 52.1110% | 4,471 |
| Net loans and leases to deposits | 64.3746% | 4,261 |
| Net loans and leases to core deposits | 66.0707% | 4,366 |
| Total domestic deposits to total assets | 80.9496% | 4,010 |
| Equity capital to assets | 14.8974% | 705 |
| Core capital (leverage) ratio | 13.6880% | 997 |
| Tier 1 risk-based capital ratio | 18.5891% | 1,655 |
| Total risk-based capital ratio | 19.8401% | 1,617 |
| Memoranda: | ||
| Average total assets | $3,026,533,330 | 316 |
| Average earning assets | $2,810,913,000 | 309 |
| Average equity | $457,617,670 | 254 |
| Average total loans | $1,642,642,000 | 382 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 4,172 |
| Cost of funding earning assets | 0.2941% | 4,396 |
| Net interest margin | 3.5227% | 3,451 |
| Noninterest income to average assets | 0.4466% | 3,135 |
| Noninterest expense to average assets | 1.9623% | 4,921 |
| Loan and lease loss provision to assets | 0.0998% | 1,859 |
| Net operating income to assets | 1.5076% | 1,064 |
| Return on assets (ROA) | 1.5076% | 1,062 |
| Pretax return on assets | 1.6512% | 1,240 |
| Return on Equity (ROE) | 9.8963% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.8963% | 1,192 |
| Net charge-offs to loans | -0.0339% | 4,796 |
| Credit loss provision to net charge-offs | -535.7143% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8445% | 4,896 |
| Assets per employee ($millions) | 5.2487% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 919 |
| Loan loss allowance to noncurrent loans | 268.2262% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1135% | 1,391 |
| Noncurrent loans to loans | 0.6396% | 2,624 |
| Net loans and leases to total assets | 53.2183% | 4,351 |
| Net loans and leases to deposits | 66.1063% | 4,083 |
| Net loans and leases to core deposits | 67.8115% | 4,228 |
| Total domestic deposits to total assets | 80.5041% | 4,322 |
| Equity capital to assets | 15.2102% | 622 |
| Core capital (leverage) ratio | 13.7113% | 942 |
| Tier 1 risk-based capital ratio | 18.3990% | 1,719 |
| Total risk-based capital ratio | 19.6494% | 1,688 |
| Memoranda: | ||
| Average total assets | $3,006,946,000 | 318 |
| Average earning assets | $2,788,455,500 | 310 |
| Average equity | $458,071,000 | 255 |
| Average total loans | $1,650,741,000 | 381 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7020% | 4,331 |
| Cost of funding earning assets | 0.2507% | 4,554 |
| Net interest margin | 3.4513% | 3,688 |
| Noninterest income to average assets | 0.4711% | 3,181 |
| Noninterest expense to average assets | 1.9229% | 5,089 |
| Loan and lease loss provision to assets | 0.0597% | 3,038 |
| Net operating income to assets | 0.9370% | 2,510 |
| Return on assets (ROA) | 0.9241% | 2,600 |
| Pretax return on assets | 1.6543% | 1,141 |
| Return on Equity (ROE) | 6.0180% | 3,754 |
| Retained earnings to average equity (ytd only) | -18.1592% | 5,607 |
| Net charge-offs to loans | 0.2091% | 1,243 |
| Credit loss provision to net charge-offs | 55.1416% | 3,273 |
| Earnings coverage of net charge-offs (x) | 16.0107% | 2,206 |
| Efficiency ratio | 52.5804% | 5,066 |
| Assets per employee ($millions) | 5.0864% | 2,376 |
| Cash dividends to net income (ytd only)* | 401.7467% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 1,078 |
| Loan loss allowance to noncurrent loans | 243.7371% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 1,162 |
| Noncurrent loans to loans | 0.6680% | 2,543 |
| Net loans and leases to total assets | 54.7474% | 4,294 |
| Net loans and leases to deposits | 68.6535% | 3,978 |
| Net loans and leases to core deposits | 70.2398% | 4,161 |
| Total domestic deposits to total assets | 79.7445% | 4,386 |
| Equity capital to assets | 15.2575% | 633 |
| Core capital (leverage) ratio | 13.0548% | 1,125 |
| Tier 1 risk-based capital ratio | 17.5035% | 1,944 |
| Total risk-based capital ratio | 18.7147% | 1,908 |
| Memoranda: | ||
| Average total assets | $3,097,578,200 | 301 |
| Average earning assets | $2,859,344,800 | 293 |
| Average equity | $475,654,400 | 236 |
| Average total loans | $1,604,348,400 | 374 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6651% | 4,411 |
| Cost of funding earning assets | 0.2482% | 4,582 |
| Net interest margin | 3.4169% | 3,787 |
| Noninterest income to average assets | 0.3935% | 3,733 |
| Noninterest expense to average assets | 1.9446% | 5,052 |
| Loan and lease loss provision to assets | 0.0491% | 3,113 |
| Net operating income to assets | 1.0644% | 2,259 |
| Return on assets (ROA) | 1.0644% | 2,296 |
| Pretax return on assets | 1.5503% | 1,578 |
| Return on Equity (ROE) | 6.9211% | 3,704 |
| Retained earnings to average equity (ytd only) | -22.6433% | 5,688 |
| Net charge-offs to loans | 0.1495% | 1,345 |
| Credit loss provision to net charge-offs | 64.5705% | 2,753 |
| Earnings coverage of net charge-offs (x) | 21.0353% | 1,930 |
| Efficiency ratio | 54.8692% | 4,863 |
| Assets per employee ($millions) | 5.3129% | 2,107 |
| Cash dividends to net income (ytd only)* | 427.1618% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 1,026 |
| Loan loss allowance to noncurrent loans | 211.9761% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 1.3233% | 1,210 |
| Noncurrent loans to loans | 0.8041% | 2,349 |
| Net loans and leases to total assets | 51.3707% | 4,621 |
| Net loans and leases to deposits | 64.7019% | 4,339 |
| Net loans and leases to core deposits | 66.0051% | 4,479 |
| Total domestic deposits to total assets | 79.3960% | 4,461 |
| Equity capital to assets | 14.8038% | 781 |
| Core capital (leverage) ratio | 13.1061% | 1,168 |
| Tier 1 risk-based capital ratio | 17.6953% | 1,948 |
| Total risk-based capital ratio | 18.9439% | 1,885 |
| Memoranda: | ||
| Average total assets | $3,123,003,000 | 297 |
| Average earning assets | $2,879,530,250 | 292 |
| Average equity | $480,294,000 | 237 |
| Average total loans | $1,588,607,500 | 375 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 4,304 |
| Cost of funding earning assets | 0.2461% | 4,575 |
| Net interest margin | 3.4274% | 3,674 |
| Noninterest income to average assets | 0.3708% | 3,905 |
| Noninterest expense to average assets | 1.9501% | 5,084 |
| Loan and lease loss provision to assets | 0.0385% | 3,243 |
| Net operating income to assets | 1.0561% | 2,180 |
| Return on assets (ROA) | 1.0560% | 2,221 |
| Pretax return on assets | 1.5377% | 1,531 |
| Return on Equity (ROE) | 6.7813% | 3,671 |
| Retained earnings to average equity (ytd only) | -37.1193% | 5,754 |
| Net charge-offs to loans | -0.0144% | 4,651 |
| Credit loss provision to net charge-offs | -530.9735% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2991% | 4,894 |
| Assets per employee ($millions) | 5.1469% | 2,214 |
| Cash dividends to net income (ytd only)* | 647.3771% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 833 |
| Loan loss allowance to noncurrent loans | 352.0743% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2495% | 1,344 |
| Noncurrent loans to loans | 0.5196% | 3,196 |
| Net loans and leases to total assets | 51.0286% | 4,642 |
| Net loans and leases to deposits | 64.5314% | 4,337 |
| Net loans and leases to core deposits | 65.5489% | 4,498 |
| Total domestic deposits to total assets | 79.0757% | 4,605 |
| Equity capital to assets | 14.7965% | 742 |
| Core capital (leverage) ratio | 13.0031% | 1,174 |
| Tier 1 risk-based capital ratio | 18.0023% | 1,853 |
| Total risk-based capital ratio | 19.2536% | 1,811 |
| Memoranda: | ||
| Average total assets | $3,115,589,330 | 300 |
| Average earning assets | $2,868,433,000 | 293 |
| Average equity | $485,187,000 | 237 |
| Average total loans | $1,570,226,000 | 380 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 4,196 |
| Cost of funding earning assets | 0.2470% | 4,560 |
| Net interest margin | 3.4247% | 3,551 |
| Noninterest income to average assets | 0.3720% | 3,871 |
| Noninterest expense to average assets | 1.9888% | 5,074 |
| Loan and lease loss provision to assets | 0.0383% | 3,033 |
| Net operating income to assets | 1.0280% | 2,177 |
| Return on assets (ROA) | 1.0278% | 2,227 |
| Pretax return on assets | 1.4909% | 1,559 |
| Return on Equity (ROE) | 6.4417% | 3,695 |
| Retained earnings to average equity (ytd only) | -72.8678% | 5,835 |
| Net charge-offs to loans | -0.0641% | 5,292 |
| Credit loss provision to net charge-offs | -120.4819% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5268% | 4,885 |
| Assets per employee ($millions) | 5.1999% | 2,188 |
| Cash dividends to net income (ytd only)* | 1,231.1902% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 845 |
| Loan loss allowance to noncurrent loans | 277.5570% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 1,161 |
| Noncurrent loans to loans | 0.6724% | 2,834 |
| Net loans and leases to total assets | 49.6245% | 4,702 |
| Net loans and leases to deposits | 62.3210% | 4,415 |
| Net loans and leases to core deposits | 63.2041% | 4,583 |
| Total domestic deposits to total assets | 79.6273% | 4,694 |
| Equity capital to assets | 14.6867% | 713 |
| Core capital (leverage) ratio | 12.7302% | 1,244 |
| Tier 1 risk-based capital ratio | 18.1712% | 1,811 |
| Total risk-based capital ratio | 19.4227% | 1,782 |
| Memoranda: | ||
| Average total assets | $3,129,302,000 | 301 |
| Average earning assets | $2,875,031,500 | 295 |
| Average equity | $499,310,000 | 230 |
| Average total loans | $1,552,733,500 | 384 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,220 |
| Cost of funding earning assets | 0.4350% | 2,656 |
| Net interest margin | 3.5560% | 3,230 |
| Noninterest income to average assets | 0.9671% | 1,219 |
| Noninterest expense to average assets | 2.6215% | 3,614 |
| Loan and lease loss provision to assets | 0.0482% | 3,428 |
| Net operating income to assets | 0.9433% | 2,615 |
| Return on assets (ROA) | 1.0390% | 2,288 |
| Pretax return on assets | 1.4862% | 1,633 |
| Return on Equity (ROE) | 6.4151% | 3,785 |
| Retained earnings to average equity (ytd only) | 4.8797% | 2,424 |
| Net charge-offs to loans | -0.0925% | 5,568 |
| Credit loss provision to net charge-offs | -92.3788% | 4,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2243% | 3,724 |
| Assets per employee ($millions) | 3.9401% | 4,074 |
| Cash dividends to net income (ytd only)* | 23.9350% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9306% | 760 |
| Loan loss allowance to noncurrent loans | 1,340.4444% | 481 |
| Noncurrent assets plus other real estate owned to assets | 3.0565% | 322 |
| Noncurrent loans to loans | 0.1440% | 4,655 |
| Net loans and leases to total assets | 58.0368% | 4,064 |
| Net loans and leases to deposits | 75.2650% | 3,386 |
| Net loans and leases to core deposits | 76.1231% | 3,744 |
| Total domestic deposits to total assets | 77.1099% | 5,107 |
| Equity capital to assets | 17.4060% | 343 |
| Core capital (leverage) ratio | 12.8986% | 1,173 |
| Tier 1 risk-based capital ratio | 15.9479% | 2,571 |
| Total risk-based capital ratio | 17.2001% | 2,500 |
| Memoranda: | ||
| Average total assets | $829,143,200 | 876 |
| Average earning assets | $711,644,600 | 936 |
| Average equity | $134,291,800 | 591 |
| Average total loans | $468,091,800 | 1,034 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,403 |
| Cost of funding earning assets | 0.3677% | 3,354 |
| Net interest margin | 3.5857% | 3,128 |
| Noninterest income to average assets | 0.9101% | 1,377 |
| Noninterest expense to average assets | 2.6092% | 3,629 |
| Loan and lease loss provision to assets | 0.0636% | 2,970 |
| Net operating income to assets | 0.9295% | 2,753 |
| Return on assets (ROA) | 1.0029% | 2,555 |
| Pretax return on assets | 1.4264% | 1,947 |
| Return on Equity (ROE) | 6.3035% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.2427% | 3,309 |
| Net charge-offs to loans | -0.1584% | 5,704 |
| Credit loss provision to net charge-offs | -71.9424% | 4,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3237% | 3,706 |
| Assets per employee ($millions) | 4.1779% | 3,637 |
| Cash dividends to net income (ytd only)* | 32.6938% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9827% | 748 |
| Loan loss allowance to noncurrent loans | 1,993.6957% | 332 |
| Noncurrent assets plus other real estate owned to assets | 3.2194% | 339 |
| Noncurrent loans to loans | 0.0994% | 4,942 |
| Net loans and leases to total assets | 54.5322% | 4,441 |
| Net loans and leases to deposits | 72.5544% | 3,749 |
| Net loans and leases to core deposits | 73.6107% | 4,030 |
| Total domestic deposits to total assets | 75.1605% | 5,324 |
| Equity capital to assets | 16.3025% | 512 |
| Core capital (leverage) ratio | 12.2098% | 1,540 |
| Tier 1 risk-based capital ratio | 14.7133% | 3,184 |
| Total risk-based capital ratio | 15.9648% | 3,120 |
| Memoranda: | ||
| Average total assets | $838,441,250 | 862 |
| Average earning assets | $721,180,750 | 923 |
| Average equity | $133,403,000 | 600 |
| Average total loans | $467,947,000 | 1,031 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9840% | 3,296 |
| Cost of funding earning assets | 0.3703% | 3,355 |
| Net interest margin | 3.6137% | 3,041 |
| Noninterest income to average assets | 0.8775% | 1,446 |
| Noninterest expense to average assets | 2.5940% | 3,743 |
| Loan and lease loss provision to assets | 0.0951% | 2,251 |
| Net operating income to assets | 0.9108% | 2,811 |
| Return on assets (ROA) | 1.0129% | 2,470 |
| Pretax return on assets | 1.4427% | 1,867 |
| Return on Equity (ROE) | 6.4179% | 3,843 |
| Retained earnings to average equity (ytd only) | 3.3099% | 3,795 |
| Net charge-offs to loans | -0.0030% | 4,427 |
| Credit loss provision to net charge-offs | -5,714.2857% | 5,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0773% | 3,832 |
| Assets per employee ($millions) | 4.2009% | 3,565 |
| Cash dividends to net income (ytd only)* | 48.4265% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 1,034 |
| Loan loss allowance to noncurrent loans | 13,264.6154% | 58 |
| Noncurrent assets plus other real estate owned to assets | 3.2466% | 356 |
| Noncurrent loans to loans | 0.0138% | 5,432 |
| Net loans and leases to total assets | 54.2682% | 4,482 |
| Net loans and leases to deposits | 71.3965% | 3,845 |
| Net loans and leases to core deposits | 73.3267% | 4,049 |
| Total domestic deposits to total assets | 76.0096% | 5,284 |
| Equity capital to assets | 15.6533% | 595 |
| Core capital (leverage) ratio | 11.9062% | 1,697 |
| Tier 1 risk-based capital ratio | 14.4263% | 3,361 |
| Total risk-based capital ratio | 15.6767% | 3,289 |
| Memoranda: | ||
| Average total assets | $840,789,000 | 863 |
| Average earning assets | $723,237,670 | 917 |
| Average equity | $132,691,000 | 605 |
| Average total loans | $469,745,670 | 1,024 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 2,900 |
| Cost of funding earning assets | 0.3843% | 3,254 |
| Net interest margin | 3.7018% | 2,663 |
| Noninterest income to average assets | 0.8390% | 1,476 |
| Noninterest expense to average assets | 2.6114% | 3,719 |
| Loan and lease loss provision to assets | 0.0599% | 2,754 |
| Net operating income to assets | 0.9559% | 2,484 |
| Return on assets (ROA) | 0.9559% | 2,603 |
| Pretax return on assets | 1.3479% | 2,101 |
| Return on Equity (ROE) | 6.0321% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.0321% | 2,357 |
| Net charge-offs to loans | -0.0077% | 4,426 |
| Credit loss provision to net charge-offs | -1,388.8889% | 4,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9738% | 3,981 |
| Assets per employee ($millions) | 4.1391% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7927% | 1,165 |
| Loan loss allowance to noncurrent loans | 14,908.9286% | 53 |
| Noncurrent assets plus other real estate owned to assets | 3.6604% | 293 |
| Noncurrent loans to loans | 0.0120% | 5,472 |
| Net loans and leases to total assets | 53.9009% | 4,464 |
| Net loans and leases to deposits | 70.1683% | 3,845 |
| Net loans and leases to core deposits | 72.5036% | 4,029 |
| Total domestic deposits to total assets | 76.8167% | 5,314 |
| Equity capital to assets | 15.7083% | 565 |
| Core capital (leverage) ratio | 11.9421% | 1,645 |
| Tier 1 risk-based capital ratio | 14.5312% | 3,378 |
| Total risk-based capital ratio | 15.7811% | 3,316 |
| Memoranda: | ||
| Average total assets | $834,788,000 | 873 |
| Average earning assets | $717,169,500 | 929 |
| Average equity | $132,291,500 | 605 |
| Average total loans | $468,910,500 | 1,023 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,300 |
| Cost of funding earning assets | 0.4424% | 2,715 |
| Net interest margin | 3.5593% | 3,286 |
| Noninterest income to average assets | 0.9251% | 1,367 |
| Noninterest expense to average assets | 2.5731% | 4,013 |
| Loan and lease loss provision to assets | 0.0829% | 2,636 |
| Net operating income to assets | 0.9248% | 2,727 |
| Return on assets (ROA) | 0.9248% | 2,822 |
| Pretax return on assets | 1.2918% | 2,319 |
| Return on Equity (ROE) | 6.0438% | 4,015 |
| Retained earnings to average equity (ytd only) | 3.6172% | 3,484 |
| Net charge-offs to loans | 0.0338% | 3,531 |
| Credit loss provision to net charge-offs | 469.7987% | 664 |
| Earnings coverage of net charge-offs (x) | 77.8993% | 718 |
| Efficiency ratio | 65.1776% | 4,052 |
| Assets per employee ($millions) | 3.9098% | 4,105 |
| Cash dividends to net income (ytd only)* | 40.1511% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 1,268 |
| Loan loss allowance to noncurrent loans | 385.4998% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 4.1298% | 249 |
| Noncurrent loans to loans | 0.4514% | 3,855 |
| Net loans and leases to total assets | 56.5000% | 4,253 |
| Net loans and leases to deposits | 76.0761% | 3,240 |
| Net loans and leases to core deposits | 77.5163% | 3,606 |
| Total domestic deposits to total assets | 74.2677% | 5,619 |
| Equity capital to assets | 15.9910% | 521 |
| Core capital (leverage) ratio | 11.8021% | 1,758 |
| Tier 1 risk-based capital ratio | 14.5778% | 3,397 |
| Total risk-based capital ratio | 15.8279% | 3,313 |
| Memoranda: | ||
| Average total assets | $844,305,000 | 821 |
| Average earning assets | $717,019,000 | 888 |
| Average equity | $129,189,800 | 589 |
| Average total loans | $440,742,800 | 1,041 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 3,486 |
| Cost of funding earning assets | 0.4413% | 2,783 |
| Net interest margin | 3.5214% | 3,459 |
| Noninterest income to average assets | 0.9558% | 1,301 |
| Noninterest expense to average assets | 2.5795% | 3,947 |
| Loan and lease loss provision to assets | 0.1098% | 2,046 |
| Net operating income to assets | 0.9035% | 2,948 |
| Return on assets (ROA) | 0.9035% | 3,030 |
| Pretax return on assets | 1.2539% | 2,582 |
| Return on Equity (ROE) | 5.9699% | 4,168 |
| Retained earnings to average equity (ytd only) | 4.3751% | 3,360 |
| Net charge-offs to loans | 0.2258% | 1,156 |
| Credit loss provision to net charge-offs | 95.4980% | 2,378 |
| Earnings coverage of net charge-offs (x) | 11.8622% | 2,453 |
| Efficiency ratio | 65.4164% | 3,985 |
| Assets per employee ($millions) | 3.9748% | 3,925 |
| Cash dividends to net income (ytd only)* | 26.7141% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 1,446 |
| Loan loss allowance to noncurrent loans | 300.5514% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 4.3561% | 258 |
| Noncurrent loans to loans | 0.5701% | 3,629 |
| Net loans and leases to total assets | 52.4449% | 4,713 |
| Net loans and leases to deposits | 72.4965% | 3,705 |
| Net loans and leases to core deposits | 73.9423% | 4,021 |
| Total domestic deposits to total assets | 72.3412% | 5,842 |
| Equity capital to assets | 15.6752% | 620 |
| Core capital (leverage) ratio | 11.4569% | 2,068 |
| Tier 1 risk-based capital ratio | 14.9141% | 3,340 |
| Total risk-based capital ratio | 16.1240% | 3,305 |
| Memoranda: | ||
| Average total assets | $850,118,500 | 816 |
| Average earning assets | $721,215,500 | 889 |
| Average equity | $128,663,750 | 594 |
| Average total loans | $432,901,250 | 1,058 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,483 |
| Cost of funding earning assets | 0.4377% | 2,874 |
| Net interest margin | 3.5132% | 3,447 |
| Noninterest income to average assets | 0.9632% | 1,266 |
| Noninterest expense to average assets | 2.5618% | 4,031 |
| Loan and lease loss provision to assets | 0.1637% | 1,284 |
| Net operating income to assets | 0.8755% | 3,014 |
| Return on assets (ROA) | 0.8755% | 3,122 |
| Pretax return on assets | 1.2109% | 2,728 |
| Return on Equity (ROE) | 5.8529% | 4,202 |
| Retained earnings to average equity (ytd only) | 3.4470% | 3,853 |
| Net charge-offs to loans | 0.3932% | 662 |
| Credit loss provision to net charge-offs | 83.0368% | 2,295 |
| Earnings coverage of net charge-offs (x) | 6.9727% | 2,715 |
| Efficiency ratio | 65.0805% | 4,178 |
| Assets per employee ($millions) | 4.0332% | 3,818 |
| Cash dividends to net income (ytd only)* | 41.1058% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 1,622 |
| Loan loss allowance to noncurrent loans | 138.1014% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 4.9826% | 222 |
| Noncurrent loans to loans | 1.2245% | 2,207 |
| Net loans and leases to total assets | 51.3797% | 4,811 |
| Net loans and leases to deposits | 69.8764% | 3,949 |
| Net loans and leases to core deposits | 71.2997% | 4,196 |
| Total domestic deposits to total assets | 73.5295% | 5,831 |
| Equity capital to assets | 15.1381% | 678 |
| Core capital (leverage) ratio | 11.4099% | 2,065 |
| Tier 1 risk-based capital ratio | 14.2629% | 3,785 |
| Total risk-based capital ratio | 15.4283% | 3,755 |
| Memoranda: | ||
| Average total assets | $855,254,330 | 813 |
| Average earning assets | $723,776,670 | 893 |
| Average equity | $127,937,330 | 598 |
| Average total loans | $428,737,000 | 1,071 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 3,734 |
| Cost of funding earning assets | 0.4414% | 2,865 |
| Net interest margin | 3.4312% | 3,706 |
| Noninterest income to average assets | 1.0366% | 1,040 |
| Noninterest expense to average assets | 2.5478% | 4,108 |
| Loan and lease loss provision to assets | 0.2799% | 543 |
| Net operating income to assets | 0.8136% | 3,194 |
| Return on assets (ROA) | 0.8136% | 3,318 |
| Pretax return on assets | 1.1104% | 3,034 |
| Return on Equity (ROE) | 5.4717% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.4717% | 2,796 |
| Net charge-offs to loans | 0.3870% | 636 |
| Credit loss provision to net charge-offs | 147.4201% | 1,265 |
| Earnings coverage of net charge-offs (x) | 7.3219% | 2,180 |
| Efficiency ratio | 64.6961% | 4,367 |
| Assets per employee ($millions) | 4.2002% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 1,442 |
| Loan loss allowance to noncurrent loans | 46.8963% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 6.3047% | 160 |
| Noncurrent loans to loans | 3.8902% | 456 |
| Net loans and leases to total assets | 47.7088% | 5,066 |
| Net loans and leases to deposits | 65.2889% | 4,231 |
| Net loans and leases to core deposits | 66.5455% | 4,466 |
| Total domestic deposits to total assets | 73.0733% | 5,974 |
| Equity capital to assets | 14.4843% | 836 |
| Core capital (leverage) ratio | 10.9019% | 2,515 |
| Tier 1 risk-based capital ratio | 13.8345% | 4,125 |
| Total risk-based capital ratio | 15.0214% | 4,087 |
| Memoranda: | ||
| Average total assets | $857,378,000 | 815 |
| Average earning assets | $724,988,000 | 893 |
| Average equity | $127,493,000 | 601 |
| Average total loans | $420,722,500 | 1,091 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 3,245 |
| Cost of funding earning assets | 0.4926% | 2,743 |
| Net interest margin | 3.6274% | 3,302 |
| Noninterest income to average assets | 1.0496% | 1,106 |
| Noninterest expense to average assets | 2.6510% | 4,047 |
| Loan and lease loss provision to assets | 0.4690% | 346 |
| Net operating income to assets | 0.6953% | 3,916 |
| Return on assets (ROA) | 0.6953% | 4,036 |
| Pretax return on assets | 0.9393% | 3,744 |
| Return on Equity (ROE) | 4.5577% | 4,859 |
| Retained earnings to average equity (ytd only) | 2.7372% | 4,292 |
| Net charge-offs to loans | 0.9706% | 321 |
| Credit loss provision to net charge-offs | 95.0383% | 2,533 |
| Earnings coverage of net charge-offs (x) | 2.8539% | 4,046 |
| Efficiency ratio | 65.3073% | 4,358 |
| Assets per employee ($millions) | 3.9266% | 4,106 |
| Cash dividends to net income (ytd only)* | 39.9439% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 1,389 |
| Loan loss allowance to noncurrent loans | 135.2630% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 5.5442% | 228 |
| Noncurrent loans to loans | 1.3793% | 2,122 |
| Net loans and leases to total assets | 48.6544% | 5,103 |
| Net loans and leases to deposits | 67.9599% | 4,127 |
| Net loans and leases to core deposits | 69.3693% | 4,377 |
| Total domestic deposits to total assets | 71.5928% | 6,115 |
| Equity capital to assets | 15.2828% | 656 |
| Core capital (leverage) ratio | 11.0471% | 2,359 |
| Tier 1 risk-based capital ratio | 15.7327% | 3,113 |
| Total risk-based capital ratio | 16.9839% | 3,042 |
| Memoranda: | ||
| Average total assets | $820,948,200 | 826 |
| Average earning assets | $681,116,800 | 901 |
| Average equity | $125,239,200 | 584 |
| Average total loans | $417,376,000 | 1,053 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1251% | 3,274 |
| Cost of funding earning assets | 0.4943% | 2,821 |
| Net interest margin | 3.6308% | 3,309 |
| Noninterest income to average assets | 1.0316% | 1,154 |
| Noninterest expense to average assets | 2.6384% | 4,063 |
| Loan and lease loss provision to assets | 0.4314% | 371 |
| Net operating income to assets | 0.7418% | 3,715 |
| Return on assets (ROA) | 0.7418% | 3,825 |
| Pretax return on assets | 0.9676% | 3,727 |
| Return on Equity (ROE) | 4.8648% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.5464% | 4,122 |
| Net charge-offs to loans | 0.7831% | 430 |
| Credit loss provision to net charge-offs | 107.6798% | 2,068 |
| Earnings coverage of net charge-offs (x) | 3.4921% | 3,649 |
| Efficiency ratio | 65.3496% | 4,317 |
| Assets per employee ($millions) | 3.9493% | 3,985 |
| Cash dividends to net income (ytd only)* | 27.1012% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 1,370 |
| Loan loss allowance to noncurrent loans | 109.5335% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 5.7950% | 247 |
| Noncurrent loans to loans | 1.7724% | 1,832 |
| Net loans and leases to total assets | 49.0508% | 5,108 |
| Net loans and leases to deposits | 67.8174% | 4,150 |
| Net loans and leases to core deposits | 68.9734% | 4,418 |
| Total domestic deposits to total assets | 72.3278% | 6,151 |
| Equity capital to assets | 15.2546% | 684 |
| Core capital (leverage) ratio | 10.9797% | 2,511 |
| Tier 1 risk-based capital ratio | 15.5259% | 3,302 |
| Total risk-based capital ratio | 16.7778% | 3,241 |
| Memoranda: | ||
| Average total assets | $819,055,500 | 828 |
| Average earning assets | $678,075,000 | 914 |
| Average equity | $124,893,750 | 582 |
| Average total loans | $419,026,250 | 1,048 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,093 |
| Cost of funding earning assets | 0.4962% | 2,872 |
| Net interest margin | 3.6661% | 3,088 |
| Noninterest income to average assets | 0.9987% | 1,204 |
| Noninterest expense to average assets | 2.6500% | 4,057 |
| Loan and lease loss provision to assets | 0.3556% | 500 |
| Net operating income to assets | 0.7825% | 3,411 |
| Return on assets (ROA) | 0.7825% | 3,510 |
| Pretax return on assets | 1.0098% | 3,441 |
| Return on Equity (ROE) | 5.1322% | 4,615 |
| Retained earnings to average equity (ytd only) | 3.1459% | 4,204 |
| Net charge-offs to loans | 0.3387% | 1,199 |
| Credit loss provision to net charge-offs | 203.6517% | 1,148 |
| Earnings coverage of net charge-offs (x) | 7.8202% | 2,574 |
| Efficiency ratio | 65.9969% | 4,369 |
| Assets per employee ($millions) | 3.8765% | 4,116 |
| Cash dividends to net income (ytd only)* | 38.7026% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 1,187 |
| Loan loss allowance to noncurrent loans | 84.7753% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 6.1285% | 234 |
| Noncurrent loans to loans | 2.4685% | 1,264 |
| Net loans and leases to total assets | 48.5177% | 5,129 |
| Net loans and leases to deposits | 67.2306% | 4,143 |
| Net loans and leases to core deposits | 68.4314% | 4,420 |
| Total domestic deposits to total assets | 72.1660% | 6,240 |
| Equity capital to assets | 15.0860% | 683 |
| Core capital (leverage) ratio | 11.3644% | 2,107 |
| Tier 1 risk-based capital ratio | 15.6100% | 3,291 |
| Total risk-based capital ratio | 16.8633% | 3,237 |
| Memoranda: | ||
| Average total assets | $815,621,330 | 834 |
| Average earning assets | $671,119,330 | 921 |
| Average equity | $124,353,330 | 580 |
| Average total loans | $420,414,670 | 1,038 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 2,620 |
| Cost of funding earning assets | 0.5009% | 2,899 |
| Net interest margin | 3.7724% | 2,587 |
| Noninterest income to average assets | 0.7168% | 2,097 |
| Noninterest expense to average assets | 2.7161% | 3,886 |
| Loan and lease loss provision to assets | 0.1237% | 1,950 |
| Net operating income to assets | 0.7543% | 3,393 |
| Return on assets (ROA) | 0.7543% | 3,476 |
| Pretax return on assets | 0.9725% | 3,432 |
| Return on Equity (ROE) | 4.9211% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.9211% | 3,161 |
| Net charge-offs to loans | 0.0593% | 2,566 |
| Credit loss provision to net charge-offs | 396.8254% | 658 |
| Earnings coverage of net charge-offs (x) | 35.1746% | 949 |
| Efficiency ratio | 71.2469% | 3,620 |
| Assets per employee ($millions) | 4.0406% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 1,797 |
| Loan loss allowance to noncurrent loans | 158.8166% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 6.0982% | 272 |
| Noncurrent loans to loans | 1.1878% | 3,060 |
| Net loans and leases to total assets | 51.0547% | 4,792 |
| Net loans and leases to deposits | 70.8244% | 3,495 |
| Net loans and leases to core deposits | 72.1926% | 3,858 |
| Total domestic deposits to total assets | 72.0864% | 6,353 |
| Equity capital to assets | 15.2050% | 639 |
| Core capital (leverage) ratio | 11.3103% | 2,128 |
| Tier 1 risk-based capital ratio | 15.1083% | 3,652 |
| Total risk-based capital ratio | 16.3600% | 3,607 |
| Memoranda: | ||
| Average total assets | $808,646,000 | 849 |
| Average earning assets | $663,557,500 | 937 |
| Average equity | $123,955,500 | 579 |
| Average total loans | $425,076,000 | 1,037 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 2,363 |
| Cost of funding earning assets | 0.5770% | 2,864 |
| Net interest margin | 3.8807% | 2,367 |
| Noninterest income to average assets | 0.5891% | 3,156 |
| Noninterest expense to average assets | 2.7735% | 3,818 |
| Loan and lease loss provision to assets | 0.0629% | 3,875 |
| Net operating income to assets | 0.7000% | 3,793 |
| Return on assets (ROA) | 0.6964% | 3,907 |
| Pretax return on assets | 0.8949% | 3,784 |
| Return on Equity (ROE) | 4.5599% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.1265% | 4,013 |
| Net charge-offs to loans | 0.3066% | 2,152 |
| Credit loss provision to net charge-offs | 37.6790% | 4,086 |
| Earnings coverage of net charge-offs (x) | 5.7619% | 3,221 |
| Efficiency ratio | 73.8030% | 3,161 |
| Assets per employee ($millions) | 3.8880% | 4,094 |
| Cash dividends to net income (ytd only)* | 31.4353% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8579% | 1,901 |
| Loan loss allowance to noncurrent loans | 149.4111% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 6.4141% | 287 |
| Noncurrent loans to loans | 1.2435% | 3,057 |
| Net loans and leases to total assets | 52.1250% | 4,832 |
| Net loans and leases to deposits | 71.9651% | 3,528 |
| Net loans and leases to core deposits | 73.3919% | 3,911 |
| Total domestic deposits to total assets | 72.4310% | 6,393 |
| Equity capital to assets | 15.4562% | 598 |
| Core capital (leverage) ratio | 11.3092% | 2,112 |
| Tier 1 risk-based capital ratio | 15.1147% | 3,602 |
| Total risk-based capital ratio | 16.3662% | 3,547 |
| Memoranda: | ||
| Average total assets | $794,421,600 | 836 |
| Average earning assets | $644,194,600 | 942 |
| Average equity | $121,319,600 | 585 |
| Average total loans | $432,880,400 | 985 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 2,369 |
| Cost of funding earning assets | 0.5913% | 2,884 |
| Net interest margin | 3.8731% | 2,371 |
| Noninterest income to average assets | 0.6013% | 3,137 |
| Noninterest expense to average assets | 2.8333% | 3,546 |
| Loan and lease loss provision to assets | 0.0840% | 3,378 |
| Net operating income to assets | 0.6484% | 4,130 |
| Return on assets (ROA) | 0.6484% | 4,254 |
| Pretax return on assets | 0.8197% | 4,224 |
| Return on Equity (ROE) | 4.2586% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.4102% | 4,259 |
| Net charge-offs to loans | 0.2205% | 2,490 |
| Credit loss provision to net charge-offs | 69.4444% | 3,083 |
| Earnings coverage of net charge-offs (x) | 7.4722% | 2,790 |
| Efficiency ratio | 75.2382% | 2,858 |
| Assets per employee ($millions) | 3.6984% | 4,454 |
| Cash dividends to net income (ytd only)* | 19.9223% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9875% | 1,748 |
| Loan loss allowance to noncurrent loans | 117.4220% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 6.9146% | 300 |
| Noncurrent loans to loans | 1.6926% | 2,655 |
| Net loans and leases to total assets | 52.0579% | 4,866 |
| Net loans and leases to deposits | 72.2259% | 3,481 |
| Net loans and leases to core deposits | 73.3688% | 3,924 |
| Total domestic deposits to total assets | 72.0766% | 6,488 |
| Equity capital to assets | 15.2628% | 670 |
| Core capital (leverage) ratio | 11.2780% | 2,218 |
| Tier 1 risk-based capital ratio | 14.8781% | 3,827 |
| Total risk-based capital ratio | 16.1308% | 3,781 |
| Memoranda: | ||
| Average total assets | $793,765,250 | 843 |
| Average earning assets | $642,637,250 | 950 |
| Average equity | $120,851,250 | 593 |
| Average total loans | $435,269,000 | 981 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 2,222 |
| Cost of funding earning assets | 0.6037% | 2,903 |
| Net interest margin | 3.8904% | 2,240 |
| Noninterest income to average assets | 0.5941% | 3,228 |
| Noninterest expense to average assets | 2.8704% | 3,437 |
| Loan and lease loss provision to assets | 0.1264% | 2,740 |
| Net operating income to assets | 0.5930% | 4,325 |
| Return on assets (ROA) | 0.5930% | 4,510 |
| Pretax return on assets | 0.7395% | 4,540 |
| Return on Equity (ROE) | 3.8984% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.6200% | 4,644 |
| Net charge-offs to loans | 0.2784% | 2,093 |
| Credit loss provision to net charge-offs | 81.9672% | 2,590 |
| Earnings coverage of net charge-offs (x) | 5.6131% | 2,857 |
| Efficiency ratio | 75.9510% | 2,797 |
| Assets per employee ($millions) | 3.6934% | 4,415 |
| Cash dividends to net income (ytd only)* | 32.7932% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 1,796 |
| Loan loss allowance to noncurrent loans | 77.3362% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 7.8916% | 264 |
| Noncurrent loans to loans | 2.6181% | 1,750 |
| Net loans and leases to total assets | 52.7885% | 4,771 |
| Net loans and leases to deposits | 72.9380% | 3,313 |
| Net loans and leases to core deposits | 74.1516% | 3,788 |
| Total domestic deposits to total assets | 72.3746% | 6,541 |
| Equity capital to assets | 15.3779% | 640 |
| Core capital (leverage) ratio | 11.3835% | 2,031 |
| Tier 1 risk-based capital ratio | 14.8408% | 3,880 |
| Total risk-based capital ratio | 16.0941% | 3,842 |
| Memoranda: | ||
| Average total assets | $790,837,670 | 848 |
| Average earning assets | $638,758,330 | 959 |
| Average equity | $120,304,670 | 600 |
| Average total loans | $438,271,330 | 974 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 2,029 |
| Cost of funding earning assets | 0.6234% | 2,894 |
| Net interest margin | 3.9149% | 2,065 |
| Noninterest income to average assets | 0.5963% | 3,167 |
| Noninterest expense to average assets | 2.8795% | 3,426 |
| Loan and lease loss provision to assets | 0.1513% | 2,354 |
| Net operating income to assets | 0.5741% | 4,338 |
| Return on assets (ROA) | 0.5741% | 4,487 |
| Pretax return on assets | 0.7113% | 4,529 |
| Return on Equity (ROE) | 3.7943% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.7943% | 3,958 |
| Net charge-offs to loans | 0.5298% | 1,133 |
| Credit loss provision to net charge-offs | 50.8475% | 2,584 |
| Earnings coverage of net charge-offs (x) | 2.8983% | 2,904 |
| Efficiency ratio | 76.0717% | 2,910 |
| Assets per employee ($millions) | 3.6690% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8900% | 2,331 |
| Loan loss allowance to noncurrent loans | 70.5458% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 8.4833% | 283 |
| Noncurrent loans to loans | 2.6790% | 1,909 |
| Net loans and leases to total assets | 55.5493% | 4,163 |
| Net loans and leases to deposits | 76.2983% | 2,593 |
| Net loans and leases to core deposits | 77.5109% | 3,131 |
| Total domestic deposits to total assets | 72.8055% | 6,617 |
| Equity capital to assets | 15.3518% | 669 |
| Core capital (leverage) ratio | 10.9439% | 2,304 |
| Tier 1 risk-based capital ratio | 14.2479% | 4,328 |
| Total risk-based capital ratio | 15.5001% | 4,295 |
| Memoranda: | ||
| Average total assets | $792,912,500 | 847 |
| Average earning assets | $637,153,000 | 966 |
| Average equity | $119,969,000 | 613 |
| Average total loans | $445,475,500 | 964 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 3,197 |
| Cost of funding earning assets | 0.8078% | 2,609 |
| Net interest margin | 3.7458% | 3,462 |
| Noninterest income to average assets | 0.4622% | 4,158 |
| Noninterest expense to average assets | 2.8575% | 3,822 |
| Loan and lease loss provision to assets | 0.1392% | 3,868 |
| Net operating income to assets | 0.4112% | 5,052 |
| Return on assets (ROA) | 0.4044% | 5,336 |
| Pretax return on assets | 0.4614% | 5,392 |
| Return on Equity (ROE) | 2.8062% | 5,626 |
| Retained earnings to average equity (ytd only) | 2.8062% | 4,264 |
| Net charge-offs to loans | 0.3909% | 2,687 |
| Credit loss provision to net charge-offs | 64.6390% | 4,324 |
| Earnings coverage of net charge-offs (x) | 2.8249% | 4,017 |
| Efficiency ratio | 81.3981% | 1,959 |
| Assets per employee ($millions) | 3.7414% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9472% | 2,157 |
| Loan loss allowance to noncurrent loans | 74.7056% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 8.7133% | 296 |
| Noncurrent loans to loans | 2.6065% | 2,030 |
| Net loans and leases to total assets | 54.6678% | 4,518 |
| Net loans and leases to deposits | 75.7410% | 2,843 |
| Net loans and leases to core deposits | 77.1024% | 3,386 |
| Total domestic deposits to total assets | 72.1773% | 6,683 |
| Equity capital to assets | 14.9129% | 763 |
| Core capital (leverage) ratio | 10.7064% | 2,542 |
| Tier 1 risk-based capital ratio | 14.1022% | 4,309 |
| Total risk-based capital ratio | 15.3552% | 4,262 |
| Memoranda: | ||
| Average total assets | $816,795,800 | 808 |
| Average earning assets | $654,981,000 | 919 |
| Average equity | $117,705,400 | 610 |
| Average total loans | $450,042,000 | 919 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 3,389 |
| Cost of funding earning assets | 0.8343% | 2,674 |
| Net interest margin | 3.7248% | 3,679 |
| Noninterest income to average assets | 0.5675% | 3,490 |
| Noninterest expense to average assets | 2.8468% | 3,811 |
| Loan and lease loss provision to assets | 0.2599% | 2,496 |
| Net operating income to assets | 0.3996% | 5,249 |
| Return on assets (ROA) | 0.3996% | 5,468 |
| Pretax return on assets | 0.4574% | 5,575 |
| Return on Equity (ROE) | 2.7966% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.7966% | 4,873 |
| Net charge-offs to loans | 0.3962% | 2,507 |
| Credit loss provision to net charge-offs | 119.4030% | 2,426 |
| Earnings coverage of net charge-offs (x) | 3.2955% | 3,705 |
| Efficiency ratio | 78.8169% | 2,259 |
| Assets per employee ($millions) | 3.7972% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1417% | 1,824 |
| Loan loss allowance to noncurrent loans | 79.7368% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 9.2640% | 287 |
| Noncurrent loans to loans | 2.6860% | 2,110 |
| Net loans and leases to total assets | 53.5824% | 4,808 |
| Net loans and leases to deposits | 75.3338% | 3,088 |
| Net loans and leases to core deposits | 77.1412% | 3,588 |
| Total domestic deposits to total assets | 71.1267% | 6,786 |
| Equity capital to assets | 14.5219% | 963 |
| Core capital (leverage) ratio | 10.2425% | 3,238 |
| Tier 1 risk-based capital ratio | 14.0398% | 4,491 |
| Total risk-based capital ratio | 15.2948% | 4,446 |
| Memoranda: | ||
| Average total assets | $820,832,000 | 808 |
| Average earning assets | $660,343,500 | 918 |
| Average equity | $117,281,750 | 611 |
| Average total loans | $450,955,000 | 922 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 3,541 |
| Cost of funding earning assets | 0.8539% | 2,768 |
| Net interest margin | 3.7031% | 3,801 |
| Noninterest income to average assets | 0.6676% | 2,845 |
| Noninterest expense to average assets | 2.8598% | 3,781 |
| Loan and lease loss provision to assets | 0.3162% | 2,088 |
| Net operating income to assets | 0.3731% | 5,338 |
| Return on assets (ROA) | 0.3731% | 5,560 |
| Pretax return on assets | 0.4684% | 5,522 |
| Return on Equity (ROE) | 2.6254% | 5,834 |
| Retained earnings to average equity (ytd only) | 2.6254% | 4,869 |
| Net charge-offs to loans | 0.5550% | 1,923 |
| Credit loss provision to net charge-offs | 103.5857% | 2,629 |
| Earnings coverage of net charge-offs (x) | 2.5705% | 3,725 |
| Efficiency ratio | 77.3558% | 2,544 |
| Assets per employee ($millions) | 3.7965% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1379% | 1,915 |
| Loan loss allowance to noncurrent loans | 71.0361% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 9.5484% | 295 |
| Noncurrent loans to loans | 3.0097% | 1,964 |
| Net loans and leases to total assets | 52.0005% | 5,098 |
| Net loans and leases to deposits | 73.1918% | 3,430 |
| Net loans and leases to core deposits | 74.9311% | 3,898 |
| Total domestic deposits to total assets | 71.0469% | 6,855 |
| Equity capital to assets | 14.2784% | 988 |
| Core capital (leverage) ratio | 10.2893% | 3,060 |
| Tier 1 risk-based capital ratio | 14.1468% | 4,342 |
| Total risk-based capital ratio | 15.3997% | 4,309 |
| Memoranda: | ||
| Average total assets | $822,308,000 | 808 |
| Average earning assets | $661,005,670 | 922 |
| Average equity | $116,856,670 | 612 |
| Average total loans | $452,265,670 | 916 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 3,340 |
| Cost of funding earning assets | 0.8778% | 2,849 |
| Net interest margin | 3.7572% | 3,574 |
| Noninterest income to average assets | 0.7965% | 2,184 |
| Noninterest expense to average assets | 2.9038% | 3,608 |
| Loan and lease loss provision to assets | 0.4625% | 1,334 |
| Net operating income to assets | 0.3627% | 5,413 |
| Return on assets (ROA) | 0.3627% | 5,600 |
| Pretax return on assets | 0.4518% | 5,576 |
| Return on Equity (ROE) | 2.5586% | 5,882 |
| Retained earnings to average equity (ytd only) | 2.5586% | 4,977 |
| Net charge-offs to loans | 0.3134% | 2,395 |
| Credit loss provision to net charge-offs | 263.8889% | 1,097 |
| Earnings coverage of net charge-offs (x) | 5.2167% | 2,416 |
| Efficiency ratio | 74.7513% | 2,982 |
| Assets per employee ($millions) | 3.7877% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1801% | 1,923 |
| Loan loss allowance to noncurrent loans | 47.5879% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 10.7163% | 260 |
| Noncurrent loans to loans | 4.5811% | 1,256 |
| Net loans and leases to total assets | 54.3173% | 4,668 |
| Net loans and leases to deposits | 74.3154% | 3,080 |
| Net loans and leases to core deposits | 76.5093% | 3,556 |
| Total domestic deposits to total assets | 73.0902% | 6,821 |
| Equity capital to assets | 14.2814% | 929 |
| Core capital (leverage) ratio | 10.1647% | 3,155 |
| Tier 1 risk-based capital ratio | 13.5780% | 4,769 |
| Total risk-based capital ratio | 14.8333% | 4,751 |
| Memoranda: | ||
| Average total assets | $821,544,000 | 810 |
| Average earning assets | $660,709,500 | 923 |
| Average equity | $116,469,500 | 615 |
| Average total loans | $459,519,500 | 894 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 4,316 |
| Cost of funding earning assets | 1.0380% | 3,103 |
| Net interest margin | 3.6456% | 4,540 |
| Noninterest income to average assets | 0.7506% | 2,335 |
| Noninterest expense to average assets | 2.8968% | 3,969 |
| Loan and lease loss provision to assets | 0.5219% | 2,015 |
| Net operating income to assets | 0.3340% | 5,132 |
| Return on assets (ROA) | 0.3340% | 5,287 |
| Pretax return on assets | 0.3640% | 5,390 |
| Return on Equity (ROE) | 2.4548% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.4548% | 4,474 |
| Net charge-offs to loans | 1.3913% | 1,175 |
| Credit loss provision to net charge-offs | 63.2820% | 5,077 |
| Earnings coverage of net charge-offs (x) | 1.0742% | 4,981 |
| Efficiency ratio | 74.3415% | 3,169 |
| Assets per employee ($millions) | 3.7669% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 2,263 |
| Loan loss allowance to noncurrent loans | 33.3381% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 11.1164% | 260 |
| Noncurrent loans to loans | 6.0115% | 828 |
| Net loans and leases to total assets | 55.2071% | 4,853 |
| Net loans and leases to deposits | 76.0817% | 3,167 |
| Net loans and leases to core deposits | 79.5203% | 3,505 |
| Total domestic deposits to total assets | 72.5629% | 6,844 |
| Equity capital to assets | 14.0733% | 1,036 |
| Core capital (leverage) ratio | 9.7873% | 3,625 |
| Tier 1 risk-based capital ratio | 13.2912% | 4,845 |
| Total risk-based capital ratio | 14.5452% | 4,821 |
| Memoranda: | ||
| Average total assets | $843,104,800 | 773 |
| Average earning assets | $701,231,200 | 858 |
| Average equity | $114,711,800 | 602 |
| Average total loans | $499,735,000 | 836 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 4,361 |
| Cost of funding earning assets | 1.0624% | 3,230 |
| Net interest margin | 3.6566% | 4,540 |
| Noninterest income to average assets | 0.7676% | 2,211 |
| Noninterest expense to average assets | 2.8351% | 4,214 |
| Loan and lease loss provision to assets | 0.5663% | 1,734 |
| Net operating income to assets | 0.3720% | 5,122 |
| Return on assets (ROA) | 0.3720% | 5,306 |
| Pretax return on assets | 0.4299% | 5,377 |
| Return on Equity (ROE) | 2.7572% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.7572% | 4,711 |
| Net charge-offs to loans | 0.4193% | 3,046 |
| Credit loss provision to net charge-offs | 225.1407% | 1,272 |
| Earnings coverage of net charge-offs (x) | 3.9606% | 3,235 |
| Efficiency ratio | 71.7987% | 3,592 |
| Assets per employee ($millions) | 3.7766% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8141% | 1,021 |
| Loan loss allowance to noncurrent loans | 29.1743% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 11.0884% | 285 |
| Noncurrent loans to loans | 9.6459% | 372 |
| Net loans and leases to total assets | 57.1241% | 4,659 |
| Net loans and leases to deposits | 79.9806% | 2,657 |
| Net loans and leases to core deposits | 83.5431% | 3,122 |
| Total domestic deposits to total assets | 71.4225% | 6,968 |
| Equity capital to assets | 13.7936% | 1,247 |
| Core capital (leverage) ratio | 9.6283% | 3,951 |
| Tier 1 risk-based capital ratio | 13.0977% | 5,023 |
| Total risk-based capital ratio | 14.3609% | 4,994 |
| Memoranda: | ||
| Average total assets | $847,644,750 | 778 |
| Average earning assets | $710,177,750 | 844 |
| Average equity | $114,365,500 | 609 |
| Average total loans | $508,483,250 | 833 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 5,279 |
| Cost of funding earning assets | 1.0905% | 3,313 |
| Net interest margin | 3.4332% | 5,430 |
| Noninterest income to average assets | 0.8233% | 1,920 |
| Noninterest expense to average assets | 2.8399% | 4,272 |
| Loan and lease loss provision to assets | 0.4937% | 1,992 |
| Net operating income to assets | 0.3082% | 5,342 |
| Return on assets (ROA) | 0.3082% | 5,477 |
| Pretax return on assets | 0.3682% | 5,490 |
| Return on Equity (ROE) | 2.3012% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.3012% | 4,829 |
| Net charge-offs to loans | 0.1697% | 4,159 |
| Credit loss provision to net charge-offs | 481.6514% | 641 |
| Earnings coverage of net charge-offs (x) | 8.4083% | 2,063 |
| Efficiency ratio | 74.4507% | 3,279 |
| Assets per employee ($millions) | 3.8818% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7459% | 1,130 |
| Loan loss allowance to noncurrent loans | 32.6260% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 10.2245% | 375 |
| Noncurrent loans to loans | 8.4163% | 514 |
| Net loans and leases to total assets | 56.8926% | 4,832 |
| Net loans and leases to deposits | 79.8880% | 2,817 |
| Net loans and leases to core deposits | 85.0822% | 3,060 |
| Total domestic deposits to total assets | 71.2155% | 7,049 |
| Equity capital to assets | 13.6037% | 1,244 |
| Core capital (leverage) ratio | 9.5911% | 3,819 |
| Tier 1 risk-based capital ratio | 12.9490% | 4,953 |
| Total risk-based capital ratio | 14.2116% | 4,928 |
| Memoranda: | ||
| Average total assets | $850,725,670 | 780 |
| Average earning assets | $713,268,000 | 856 |
| Average equity | $113,938,670 | 610 |
| Average total loans | $513,711,670 | 836 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5150% | 5,285 |
| Cost of funding earning assets | 1.1181% | 3,398 |
| Net interest margin | 3.3969% | 5,439 |
| Noninterest income to average assets | 1.0041% | 1,313 |
| Noninterest expense to average assets | 2.8438% | 4,286 |
| Loan and lease loss provision to assets | 0.6550% | 1,314 |
| Net operating income to assets | 0.3097% | 5,359 |
| Return on assets (ROA) | 0.3097% | 5,428 |
| Pretax return on assets | 0.3696% | 5,436 |
| Return on Equity (ROE) | 2.3307% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.3307% | 4,749 |
| Net charge-offs to loans | 0.1389% | 3,677 |
| Credit loss provision to net charge-offs | 769.2308% | 489 |
| Earnings coverage of net charge-offs (x) | 12.0330% | 1,519 |
| Efficiency ratio | 71.3474% | 3,982 |
| Assets per employee ($millions) | 3.9208% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5553% | 1,377 |
| Loan loss allowance to noncurrent loans | 31.7906% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 10.2301% | 392 |
| Noncurrent loans to loans | 8.0381% | 617 |
| Net loans and leases to total assets | 58.6476% | 4,522 |
| Net loans and leases to deposits | 81.4453% | 2,456 |
| Net loans and leases to core deposits | 87.7309% | 2,635 |
| Total domestic deposits to total assets | 72.0086% | 7,077 |
| Equity capital to assets | 13.3923% | 1,221 |
| Core capital (leverage) ratio | 9.2403% | 4,226 |
| Tier 1 risk-based capital ratio | 12.4507% | 5,310 |
| Total risk-based capital ratio | 13.7116% | 5,276 |
| Memoranda: | ||
| Average total assets | $854,909,000 | 783 |
| Average earning assets | $720,888,500 | 850 |
| Average equity | $113,612,000 | 606 |
| Average total loans | $524,182,000 | 823 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 6,052 |
| Cost of funding earning assets | 1.3242% | 3,726 |
| Net interest margin | 3.2973% | 5,989 |
| Noninterest income to average assets | 0.8034% | 2,265 |
| Noninterest expense to average assets | 2.7038% | 4,973 |
| Loan and lease loss provision to assets | 0.6049% | 2,714 |
| Net operating income to assets | 0.2839% | 4,984 |
| Return on assets (ROA) | 0.2839% | 5,152 |
| Pretax return on assets | 0.3051% | 5,218 |
| Return on Equity (ROE) | 2.3648% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.3648% | 4,223 |
| Net charge-offs to loans | 0.6716% | 2,993 |
| Credit loss provision to net charge-offs | 146.8189% | 2,499 |
| Earnings coverage of net charge-offs (x) | 2.2088% | 4,073 |
| Efficiency ratio | 72.6064% | 3,679 |
| Assets per employee ($millions) | 3.9586% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2127% | 1,848 |
| Loan loss allowance to noncurrent loans | 28.1415% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 9.9865% | 413 |
| Noncurrent loans to loans | 7.8629% | 667 |
| Net loans and leases to total assets | 61.0509% | 4,477 |
| Net loans and leases to deposits | 84.8393% | 2,315 |
| Net loans and leases to core deposits | 93.5258% | 2,321 |
| Total domestic deposits to total assets | 71.9607% | 7,083 |
| Equity capital to assets | 13.1874% | 1,306 |
| Core capital (leverage) ratio | 8.7572% | 4,921 |
| Tier 1 risk-based capital ratio | 11.9276% | 5,543 |
| Total risk-based capital ratio | 13.1853% | 5,515 |
| Memoranda: | ||
| Average total assets | $892,780,200 | 750 |
| Average earning assets | $760,933,000 | 802 |
| Average equity | $107,196,200 | 629 |
| Average total loans | $547,662,800 | 822 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 6,218 |
| Cost of funding earning assets | 1.3531% | 3,876 |
| Net interest margin | 3.2904% | 6,049 |
| Noninterest income to average assets | 0.7335% | 2,616 |
| Noninterest expense to average assets | 2.6655% | 5,027 |
| Loan and lease loss provision to assets | 0.6066% | 2,510 |
| Net operating income to assets | 0.2546% | 5,336 |
| Return on assets (ROA) | 0.2546% | 5,496 |
| Pretax return on assets | 0.2722% | 5,566 |
| Return on Equity (ROE) | 2.1714% | 5,546 |
| Retained earnings to average equity (ytd only) | 2.1714% | 4,872 |
| Net charge-offs to loans | 0.9315% | 2,131 |
| Credit loss provision to net charge-offs | 106.6043% | 4,015 |
| Earnings coverage of net charge-offs (x) | 1.5445% | 4,567 |
| Efficiency ratio | 72.9682% | 3,532 |
| Assets per employee ($millions) | 4.1878% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9618% | 2,320 |
| Loan loss allowance to noncurrent loans | 23.9857% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 8.8373% | 522 |
| Noncurrent loans to loans | 8.1789% | 618 |
| Net loans and leases to total assets | 56.9242% | 5,423 |
| Net loans and leases to deposits | 78.5541% | 3,723 |
| Net loans and leases to core deposits | 87.2309% | 3,483 |
| Total domestic deposits to total assets | 72.4649% | 7,088 |
| Equity capital to assets | 12.3192% | 1,958 |
| Core capital (leverage) ratio | 8.5604% | 5,404 |
| Tier 1 risk-based capital ratio | 11.9909% | 5,474 |
| Total risk-based capital ratio | 13.2461% | 5,435 |
| Memoranda: | ||
| Average total assets | $901,222,500 | 746 |
| Average earning assets | $769,853,250 | 794 |
| Average equity | $105,675,000 | 630 |
| Average total loans | $550,503,250 | 825 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 5,710 |
| Cost of funding earning assets | 1.4059% | 3,841 |
| Net interest margin | 3.4170% | 5,570 |
| Noninterest income to average assets | 0.5907% | 3,408 |
| Noninterest expense to average assets | 2.6657% | 5,054 |
| Loan and lease loss provision to assets | 0.4681% | 2,977 |
| Net operating income to assets | 0.3089% | 5,141 |
| Return on assets (ROA) | 0.3089% | 5,296 |
| Pretax return on assets | 0.3698% | 5,309 |
| Return on Equity (ROE) | 2.6806% | 5,383 |
| Retained earnings to average equity (ytd only) | 2.6806% | 4,438 |
| Net charge-offs to loans | 0.9323% | 1,973 |
| Credit loss provision to net charge-offs | 80.8314% | 4,689 |
| Earnings coverage of net charge-offs (x) | 1.4469% | 4,404 |
| Efficiency ratio | 73.8151% | 3,504 |
| Assets per employee ($millions) | 3.9689% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 2,758 |
| Loan loss allowance to noncurrent loans | 54.9718% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 6.4337% | 874 |
| Noncurrent loans to loans | 3.2513% | 2,467 |
| Net loans and leases to total assets | 60.1640% | 5,026 |
| Net loans and leases to deposits | 82.9491% | 3,085 |
| Net loans and leases to core deposits | 95.1898% | 2,558 |
| Total domestic deposits to total assets | 72.5312% | 7,137 |
| Equity capital to assets | 11.8183% | 2,208 |
| Core capital (leverage) ratio | 7.7032% | 6,603 |
| Tier 1 risk-based capital ratio | 10.5752% | 6,625 |
| Total risk-based capital ratio | 11.8286% | 6,624 |
| Memoranda: | ||
| Average total assets | $897,316,330 | 747 |
| Average earning assets | $764,940,330 | 802 |
| Average equity | $103,411,000 | 638 |
| Average total loans | $557,310,000 | 820 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 5,757 |
| Cost of funding earning assets | 1.4277% | 4,007 |
| Net interest margin | 3.4041% | 5,567 |
| Noninterest income to average assets | 0.6022% | 3,265 |
| Noninterest expense to average assets | 2.6790% | 5,004 |
| Loan and lease loss provision to assets | 0.4418% | 2,756 |
| Net operating income to assets | 0.2690% | 5,426 |
| Return on assets (ROA) | 0.2690% | 5,546 |
| Pretax return on assets | 0.3897% | 5,326 |
| Return on Equity (ROE) | 2.3639% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.3639% | 4,722 |
| Net charge-offs to loans | 1.2479% | 1,363 |
| Credit loss provision to net charge-offs | 56.6251% | 4,372 |
| Earnings coverage of net charge-offs (x) | 1.0657% | 4,126 |
| Efficiency ratio | 74.0750% | 3,564 |
| Assets per employee ($millions) | 4.0623% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6925% | 3,094 |
| Loan loss allowance to noncurrent loans | 56.2256% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 6.3532% | 911 |
| Noncurrent loans to loans | 3.0102% | 2,662 |
| Net loans and leases to total assets | 59.0765% | 5,275 |
| Net loans and leases to deposits | 80.4576% | 3,563 |
| Net loans and leases to core deposits | 93.1425% | 2,960 |
| Total domestic deposits to total assets | 73.4256% | 7,116 |
| Equity capital to assets | 11.2081% | 2,583 |
| Core capital (leverage) ratio | 7.6225% | 6,709 |
| Tier 1 risk-based capital ratio | 10.0240% | 7,015 |
| Total risk-based capital ratio | 11.2763% | 7,006 |
| Memoranda: | ||
| Average total assets | $905,422,000 | 760 |
| Average earning assets | $773,542,000 | 809 |
| Average equity | $103,050,500 | 645 |
| Average total loans | $566,087,500 | 826 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 5,855 |
| Cost of funding earning assets | 1.7162% | 4,424 |
| Net interest margin | 3.4384% | 5,225 |
| Noninterest income to average assets | 0.6631% | 3,200 |
| Noninterest expense to average assets | 2.8313% | 4,828 |
| Loan and lease loss provision to assets | 1.2421% | 1,855 |
| Net operating income to assets | -0.2926% | 5,960 |
| Return on assets (ROA) | -0.2926% | 5,959 |
| Pretax return on assets | -0.4713% | 5,987 |
| Return on Equity (ROE) | -2.4798% | 5,919 |
| Retained earnings to average equity (ytd only) | -3.2378% | 5,743 |
| Net charge-offs to loans | 1.5943% | 1,580 |
| Credit loss provision to net charge-offs | 117.7982% | 4,596 |
| Earnings coverage of net charge-offs (x) | 0.7310% | 5,367 |
| Efficiency ratio | 76.3636% | 3,465 |
| Assets per employee ($millions) | 3.7817% | 4,318 |
| Cash dividends to net income (ytd only)* | -30.5673% | 7,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 2,688 |
| Loan loss allowance to noncurrent loans | 33.0037% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 7.0477% | 712 |
| Noncurrent loans to loans | 5.3179% | 1,234 |
| Net loans and leases to total assets | 63.9002% | 4,622 |
| Net loans and leases to deposits | 88.7007% | 2,439 |
| Net loans and leases to core deposits | 108.2509% | 3,080 |
| Total domestic deposits to total assets | 72.0402% | 7,238 |
| Equity capital to assets | 11.5614% | 2,271 |
| Core capital (leverage) ratio | 7.4426% | 6,841 |
| Tier 1 risk-based capital ratio | 9.5184% | 7,214 |
| Total risk-based capital ratio | 10.7713% | 7,186 |
| Memoranda: | ||
| Average total assets | $885,590,600 | 764 |
| Average earning assets | $756,982,400 | 819 |
| Average equity | $104,485,000 | 623 |
| Average total loans | $585,717,400 | 815 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 6,040 |
| Cost of funding earning assets | 1.7502% | 4,632 |
| Net interest margin | 3.4150% | 5,197 |
| Noninterest income to average assets | 0.7682% | 2,604 |
| Noninterest expense to average assets | 2.8014% | 4,893 |
| Loan and lease loss provision to assets | 1.1603% | 1,672 |
| Net operating income to assets | -0.1755% | 6,017 |
| Return on assets (ROA) | -0.1755% | 6,031 |
| Pretax return on assets | -0.2718% | 6,068 |
| Return on Equity (ROE) | -1.4805% | 6,017 |
| Retained earnings to average equity (ytd only) | -2.4869% | 5,816 |
| Net charge-offs to loans | 1.4734% | 1,396 |
| Credit loss provision to net charge-offs | 118.5710% | 4,275 |
| Earnings coverage of net charge-offs (x) | 0.9079% | 5,149 |
| Efficiency ratio | 73.7330% | 3,911 |
| Assets per employee ($millions) | 3.9168% | 3,897 |
| Cash dividends to net income (ytd only)* | -67.9828% | 7,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 2,833 |
| Loan loss allowance to noncurrent loans | 36.1692% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 6.4316% | 788 |
| Noncurrent loans to loans | 4.5444% | 1,528 |
| Net loans and leases to total assets | 64.0803% | 4,852 |
| Net loans and leases to deposits | 87.0369% | 3,139 |
| Net loans and leases to core deposits | 105.0246% | 3,816 |
| Total domestic deposits to total assets | 73.6243% | 7,012 |
| Equity capital to assets | 11.5135% | 2,572 |
| Core capital (leverage) ratio | 7.6503% | 6,797 |
| Tier 1 risk-based capital ratio | 9.6516% | 7,275 |
| Total risk-based capital ratio | 10.9036% | 7,233 |
| Memoranda: | ||
| Average total assets | $884,814,000 | 771 |
| Average earning assets | $756,995,750 | 825 |
| Average equity | $104,919,750 | 630 |
| Average total loans | $587,640,750 | 828 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2121% | 6,036 |
| Cost of funding earning assets | 1.8128% | 4,697 |
| Net interest margin | 3.3993% | 5,176 |
| Noninterest income to average assets | 0.6755% | 3,148 |
| Noninterest expense to average assets | 2.8068% | 4,933 |
| Loan and lease loss provision to assets | 1.7309% | 969 |
| Net operating income to assets | -0.6361% | 6,693 |
| Return on assets (ROA) | -0.6361% | 6,695 |
| Pretax return on assets | -0.9650% | 6,792 |
| Return on Equity (ROE) | -5.3115% | 6,641 |
| Retained earnings to average equity (ytd only) | -6.8176% | 6,537 |
| Net charge-offs to loans | 2.1815% | 840 |
| Credit loss provision to net charge-offs | 118.6944% | 3,920 |
| Earnings coverage of net charge-offs (x) | 0.5252% | 5,181 |
| Efficiency ratio | 76.2861% | 3,639 |
| Assets per employee ($millions) | 3.6792% | 4,376 |
| Cash dividends to net income (ytd only)* | -28.3566% | 7,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 2,472 |
| Loan loss allowance to noncurrent loans | 35.7169% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 6.7569% | 655 |
| Noncurrent loans to loans | 4.6599% | 1,365 |
| Net loans and leases to total assets | 65.8672% | 4,588 |
| Net loans and leases to deposits | 90.3694% | 2,773 |
| Net loans and leases to core deposits | 107.1787% | 3,704 |
| Total domestic deposits to total assets | 72.8867% | 7,125 |
| Equity capital to assets | 11.8099% | 2,321 |
| Core capital (leverage) ratio | 7.6833% | 6,783 |
| Tier 1 risk-based capital ratio | 9.5784% | 7,328 |
| Total risk-based capital ratio | 10.8306% | 7,280 |
| Memoranda: | ||
| Average total assets | $878,158,670 | 799 |
| Average earning assets | $748,452,330 | 852 |
| Average equity | $105,169,000 | 635 |
| Average total loans | $587,029,330 | 848 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2485% | 6,120 |
| Cost of funding earning assets | 1.8701% | 4,789 |
| Net interest margin | 3.3784% | 5,220 |
| Noninterest income to average assets | 0.9748% | 1,561 |
| Noninterest expense to average assets | 2.8355% | 4,399 |
| Loan and lease loss provision to assets | 0.3397% | 3,288 |
| Net operating income to assets | 0.4416% | 4,684 |
| Return on assets (ROA) | 0.4416% | 4,856 |
| Pretax return on assets | 0.6758% | 4,508 |
| Return on Equity (ROE) | 3.6626% | 5,102 |
| Retained earnings to average equity (ytd only) | 2.6483% | 4,405 |
| Net charge-offs to loans | 0.5399% | 2,102 |
| Credit loss provision to net charge-offs | 94.2211% | 3,915 |
| Earnings coverage of net charge-offs (x) | 2.8166% | 3,372 |
| Efficiency ratio | 71.5243% | 4,267 |
| Assets per employee ($millions) | 3.7166% | 4,306 |
| Cash dividends to net income (ytd only)* | 27.6923% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 3,328 |
| Loan loss allowance to noncurrent loans | 45.5217% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 5.6672% | 738 |
| Noncurrent loans to loans | 3.1479% | 2,055 |
| Net loans and leases to total assets | 65.0625% | 4,801 |
| Net loans and leases to deposits | 88.5817% | 3,182 |
| Net loans and leases to core deposits | 104.6119% | 4,071 |
| Total domestic deposits to total assets | 73.4491% | 6,978 |
| Equity capital to assets | 11.9772% | 2,277 |
| Core capital (leverage) ratio | 8.2116% | 6,076 |
| Tier 1 risk-based capital ratio | 10.0614% | 6,842 |
| Total risk-based capital ratio | 11.2940% | 6,784 |
| Memoranda: | ||
| Average total assets | $883,095,000 | 800 |
| Average earning assets | $751,830,000 | 850 |
| Average equity | $106,481,500 | 629 |
| Average total loans | $589,746,000 | 844 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3707% | 3,571 |
| Cost of funding earning assets | 2.5846% | 3,763 |
| Net interest margin | 3.7861% | 4,077 |
| Noninterest income to average assets | 0.9851% | 1,627 |
| Noninterest expense to average assets | 2.7285% | 5,136 |
| Loan and lease loss provision to assets | 0.1436% | 5,520 |
| Net operating income to assets | 0.8606% | 3,170 |
| Return on assets (ROA) | 0.8648% | 3,002 |
| Pretax return on assets | 1.3481% | 2,136 |
| Return on Equity (ROE) | 7.2260% | 3,418 |
| Retained earnings to average equity (ytd only) | 4.3327% | 2,427 |
| Net charge-offs to loans | 0.1851% | 4,351 |
| Credit loss provision to net charge-offs | 113.4301% | 4,757 |
| Earnings coverage of net charge-offs (x) | 11.7341% | 2,341 |
| Efficiency ratio | 62.8090% | 5,817 |
| Assets per employee ($millions) | 3.7043% | 4,169 |
| Cash dividends to net income (ytd only)* | 40.0398% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 2,998 |
| Loan loss allowance to noncurrent loans | 375.8529% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 4.0053% | 1,024 |
| Noncurrent loans to loans | 0.3821% | 6,199 |
| Net loans and leases to total assets | 66.6004% | 4,732 |
| Net loans and leases to deposits | 91.4741% | 3,221 |
| Net loans and leases to core deposits | 111.3653% | 3,628 |
| Total domestic deposits to total assets | 72.8079% | 6,864 |
| Equity capital to assets | 12.1399% | 2,198 |
| Core capital (leverage) ratio | 8.2327% | 6,098 |
| Tier 1 risk-based capital ratio | 9.8963% | 6,855 |
| Total risk-based capital ratio | 11.1311% | 6,753 |
| Memoranda: | ||
| Average total assets | $870,732,200 | 777 |
| Average earning assets | $742,482,000 | 822 |
| Average equity | $104,206,600 | 646 |
| Average total loans | $595,247,000 | 802 |