Home > Southern Bancorp Bank > Performance and Condition Ratios
Southern Bancorp Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 2,550 |
| Cost of funding earning assets | 1.2722% | 2,594 |
| Net interest margin | 3.4914% | 2,205 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.6173% | 1,954 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8531% | 2,696 |
| Return on assets (ROA) | 0.8670% | 2,618 |
| Pretax return on assets | 0.9996% | 2,692 |
| Return on Equity (ROE) | 6.5700% | 3,399 |
| Retained earnings to average equity (ytd only) | 6.5708% | 2,032 |
| Net charge-offs to loans | -0.0046% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.8873% | 1,672 |
| Assets per employee ($millions) | 5.4881% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 1,971 |
| Loan loss allowance to noncurrent loans | 196.9099% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 1,447 |
| Noncurrent loans to loans | 0.6390% | 1,233 |
| Net loans and leases to total assets | 58.8900% | 2,962 |
| Net loans and leases to deposits | 75.5027% | 2,502 |
| Net loans and leases to core deposits | 83.9268% | 2,455 |
| Total domestic deposits to total assets | 78.0000% | 3,725 |
| Equity capital to assets | 13.2424% | 814 |
| Core capital (leverage) ratio | 12.4849% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5521% | 645 |
| Memoranda: | ||
| Average total assets | $2,502,548,400 | 468 |
| Average earning assets | $2,257,665,800 | 470 |
| Average equity | $330,220,400 | 364 |
| Average total loans | $1,539,285,400 | 507 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5858% | 2,716 |
| Cost of funding earning assets | 1.1287% | 2,663 |
| Net interest margin | 3.4571% | 2,320 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.5658% | 2,041 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8844% | 2,736 |
| Return on assets (ROA) | 0.9031% | 2,653 |
| Pretax return on assets | 1.0379% | 2,749 |
| Return on Equity (ROE) | 6.8500% | 3,469 |
| Retained earnings to average equity (ytd only) | 6.8508% | 2,345 |
| Net charge-offs to loans | 0.0208% | 1,700 |
| Credit loss provision to net charge-offs | 376.5690% | 746 |
| Earnings coverage of net charge-offs (x) | 82.7490% | 1,032 |
| Efficiency ratio | 70.6721% | 1,715 |
| Assets per employee ($millions) | 5.5594% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,828 |
| Loan loss allowance to noncurrent loans | 225.3829% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 1,562 |
| Noncurrent loans to loans | 0.5805% | 1,378 |
| Net loans and leases to total assets | 61.4300% | 2,712 |
| Net loans and leases to deposits | 78.5432% | 2,198 |
| Net loans and leases to core deposits | 86.1613% | 2,178 |
| Total domestic deposits to total assets | 78.2200% | 3,794 |
| Equity capital to assets | 12.9220% | 829 |
| Core capital (leverage) ratio | 12.7006% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0665% | 695 |
| Memoranda: | ||
| Average total assets | $2,476,474,250 | 472 |
| Average earning assets | $2,234,646,250 | 480 |
| Average equity | $326,473,250 | 370 |
| Average total loans | $1,535,399,000 | 512 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 2,786 |
| Cost of funding earning assets | 0.9782% | 2,680 |
| Net interest margin | 3.4662% | 2,355 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.5742% | 1,992 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9349% | 2,633 |
| Return on assets (ROA) | 0.9349% | 2,619 |
| Pretax return on assets | 1.0444% | 2,790 |
| Return on Equity (ROE) | 7.0400% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.0435% | 2,269 |
| Net charge-offs to loans | 0.0017% | 2,326 |
| Credit loss provision to net charge-offs | 4,615.3846% | 117 |
| Earnings coverage of net charge-offs (x) | 1,033.8462% | 141 |
| Efficiency ratio | 70.1910% | 1,748 |
| Assets per employee ($millions) | 5.4970% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,492 |
| Loan loss allowance to noncurrent loans | 263.5072% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 1,716 |
| Noncurrent loans to loans | 0.4514% | 1,585 |
| Net loans and leases to total assets | 62.4100% | 2,536 |
| Net loans and leases to deposits | 78.5106% | 2,089 |
| Net loans and leases to core deposits | 86.0294% | 2,068 |
| Total domestic deposits to total assets | 79.5000% | 3,652 |
| Equity capital to assets | 13.3964% | 731 |
| Core capital (leverage) ratio | 12.5975% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8387% | 735 |
| Memoranda: | ||
| Average total assets | $2,458,784,000 | 462 |
| Average earning assets | $2,222,927,000 | 469 |
| Average equity | $326,341,333 | 361 |
| Average total loans | $1,522,334,667 | 503 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,899 |
| Cost of funding earning assets | 0.7145% | 3,012 |
| Net interest margin | 3.5459% | 2,250 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.6089% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9200% | 2,789 |
| Return on assets (ROA) | 0.9200% | 2,744 |
| Pretax return on assets | 1.0893% | 2,736 |
| Return on Equity (ROE) | 6.9700% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.9723% | 2,499 |
| Net charge-offs to loans | 0.0285% | 1,126 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 62.4112% | 999 |
| Efficiency ratio | 70.5452% | 1,700 |
| Assets per employee ($millions) | 5.4513% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 1,764 |
| Loan loss allowance to noncurrent loans | 288.4941% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 1,612 |
| Noncurrent loans to loans | 0.4730% | 1,533 |
| Net loans and leases to total assets | 61.5200% | 2,510 |
| Net loans and leases to deposits | 72.6867% | 2,406 |
| Net loans and leases to core deposits | 81.0454% | 2,181 |
| Total domestic deposits to total assets | 84.6400% | 2,942 |
| Equity capital to assets | 13.5042% | 670 |
| Core capital (leverage) ratio | 12.3933% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0154% | 741 |
| Memoranda: | ||
| Average total assets | $2,452,179,500 | 472 |
| Average earning assets | $2,219,659,500 | 482 |
| Average equity | $323,566,000 | 373 |
| Average total loans | $1,504,001,500 | 519 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 1,850 |
| Cost of funding earning assets | 0.3846% | 2,224 |
| Net interest margin | 3.5672% | 1,738 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 2.5961% | 1,835 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4252% | 1,063 |
| Return on assets (ROA) | 1.4252% | 1,028 |
| Pretax return on assets | 1.6931% | 936 |
| Return on Equity (ROE) | 13.1400% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.8456% | 701 |
| Net charge-offs to loans | 0.0700% | 945 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 39.1744% | 1,516 |
| Efficiency ratio | 60.5271% | 2,980 |
| Assets per employee ($millions) | 5.1557% | 3,553 |
| Cash dividends to net income (ytd only)* | 9.8561% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 2,719 |
| Loan loss allowance to noncurrent loans | 271.0604% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 1,822 |
| Noncurrent loans to loans | 0.4188% | 1,674 |
| Net loans and leases to total assets | 60.0300% | 2,632 |
| Net loans and leases to deposits | 70.1220% | 2,572 |
| Net loans and leases to core deposits | 77.8421% | 2,291 |
| Total domestic deposits to total assets | 85.6100% | 2,829 |
| Equity capital to assets | 12.4329% | 820 |
| Core capital (leverage) ratio | 12.0114% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9518% | 725 |
| Memoranda: | ||
| Average total assets | $2,135,655,600 | 521 |
| Average earning assets | $1,933,824,800 | 520 |
| Average equity | $231,630,400 | 472 |
| Average total loans | $1,318,354,600 | 532 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 1,644 |
| Cost of funding earning assets | 0.2897% | 2,285 |
| Net interest margin | 3.5486% | 1,527 |
| Noninterest income to average assets | 1.2800% | 447 |
| Noninterest expense to average assets | 2.5933% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6028% | 654 |
| Return on assets (ROA) | 1.6028% | 634 |
| Pretax return on assets | 1.8993% | 587 |
| Return on Equity (ROE) | 15.3800% | 1,102 |
| Retained earnings to average equity (ytd only) | 13.5580% | 529 |
| Net charge-offs to loans | 0.0284% | 1,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 107.8669% | 913 |
| Efficiency ratio | 57.7231% | 3,415 |
| Assets per employee ($millions) | 5.0185% | 3,656 |
| Cash dividends to net income (ytd only)* | 11.8554% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 2,691 |
| Loan loss allowance to noncurrent loans | 255.6695% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 1,592 |
| Noncurrent loans to loans | 0.4578% | 1,661 |
| Net loans and leases to total assets | 62.8500% | 2,209 |
| Net loans and leases to deposits | 76.9622% | 1,800 |
| Net loans and leases to core deposits | 79.3317% | 1,946 |
| Total domestic deposits to total assets | 81.6600% | 3,884 |
| Equity capital to assets | 12.3282% | 811 |
| Core capital (leverage) ratio | 12.3872% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3434% | 813 |
| Memoranda: | ||
| Average total assets | $2,105,022,750 | 524 |
| Average earning assets | $1,904,049,000 | 527 |
| Average equity | $219,348,500 | 489 |
| Average total loans | $1,305,132,750 | 530 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6606% | 1,651 |
| Cost of funding earning assets | 0.2518% | 2,240 |
| Net interest margin | 3.4088% | 1,575 |
| Noninterest income to average assets | 1.1237% | 531 |
| Noninterest expense to average assets | 2.6111% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3817% | 949 |
| Return on assets (ROA) | 1.3817% | 927 |
| Pretax return on assets | 1.5931% | 955 |
| Return on Equity (ROE) | 14.1643% | 1,074 |
| Retained earnings to average equity (ytd only) | 11.2080% | 755 |
| Net charge-offs to loans | 0.0197% | 1,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 131.5397% | 702 |
| Efficiency ratio | 62.1062% | 3,034 |
| Assets per employee ($millions) | 4.8619% | 3,801 |
| Cash dividends to net income (ytd only)* | 20.8710% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,556 |
| Loan loss allowance to noncurrent loans | 244.5673% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 1,570 |
| Noncurrent loans to loans | 0.5015% | 1,624 |
| Net loans and leases to total assets | 62.1637% | 2,109 |
| Net loans and leases to deposits | 74.3393% | 1,834 |
| Net loans and leases to core deposits | 76.7606% | 1,946 |
| Total domestic deposits to total assets | 83.6216% | 3,770 |
| Equity capital to assets | 9.1833% | 2,245 |
| Core capital (leverage) ratio | 8.7129% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6982% | 2,208 |
| Memoranda: | ||
| Average total assets | $2,080,690,000 | 524 |
| Average earning assets | $1,880,289,667 | 534 |
| Average equity | $202,961,333 | 525 |
| Average total loans | $1,278,476,667 | 534 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5847% | 1,550 |
| Cost of funding earning assets | 0.2275% | 2,437 |
| Net interest margin | 3.3572% | 1,420 |
| Noninterest income to average assets | 0.5669% | 1,833 |
| Noninterest expense to average assets | 2.5235% | 1,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0303% | 1,760 |
| Return on assets (ROA) | 1.0303% | 1,749 |
| Pretax return on assets | 1.0788% | 2,213 |
| Return on Equity (ROE) | 10.2536% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.2536% | 961 |
| Net charge-offs to loans | 0.0307% | 999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 57.9063% | 865 |
| Efficiency ratio | 70.0517% | 2,221 |
| Assets per employee ($millions) | 5.2230% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,329 |
| Loan loss allowance to noncurrent loans | 196.6887% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 1,359 |
| Noncurrent loans to loans | 0.6645% | 1,428 |
| Net loans and leases to total assets | 59.8557% | 2,083 |
| Net loans and leases to deposits | 71.0097% | 1,866 |
| Net loans and leases to core deposits | 73.3345% | 1,989 |
| Total domestic deposits to total assets | 84.2923% | 3,708 |
| Equity capital to assets | 9.8315% | 2,024 |
| Core capital (leverage) ratio | 8.5122% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1047% | 2,161 |
| Memoranda: | ||
| Average total assets | $2,061,133,000 | 536 |
| Average earning assets | $1,863,604,000 | 546 |
| Average equity | $207,107,500 | 525 |
| Average total loans | $1,250,658,500 | 540 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 1,666 |
| Cost of funding earning assets | 0.2986% | 2,419 |
| Net interest margin | 3.5837% | 1,514 |
| Noninterest income to average assets | 0.5860% | 2,221 |
| Noninterest expense to average assets | 2.5374% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9761% | 2,770 |
| Return on assets (ROA) | 0.9777% | 2,831 |
| Pretax return on assets | 1.2932% | 2,380 |
| Return on Equity (ROE) | 9.2667% | 2,796 |
| Retained earnings to average equity (ytd only) | 3.2337% | 3,534 |
| Net charge-offs to loans | 0.0597% | 1,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 33.1676% | 1,542 |
| Efficiency ratio | 66.2732% | 2,226 |
| Assets per employee ($millions) | 5.3350% | 3,431 |
| Cash dividends to net income (ytd only)* | 65.1042% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,258 |
| Loan loss allowance to noncurrent loans | 179.8451% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 1,342 |
| Noncurrent loans to loans | 0.7353% | 1,380 |
| Net loans and leases to total assets | 59.9054% | 2,169 |
| Net loans and leases to deposits | 71.3823% | 1,972 |
| Net loans and leases to core deposits | 73.8900% | 2,086 |
| Total domestic deposits to total assets | 83.9220% | 3,584 |
| Equity capital to assets | 10.2664% | 2,407 |
| Core capital (leverage) ratio | 8.3279% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8539% | 2,299 |
| Memoranda: | ||
| Average total assets | $1,885,328,200 | 567 |
| Average earning assets | $1,705,914,600 | 566 |
| Average equity | $198,905,200 | 551 |
| Average total loans | $1,229,958,200 | 553 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 1,665 |
| Cost of funding earning assets | 0.3159% | 2,447 |
| Net interest margin | 3.6239% | 1,540 |
| Noninterest income to average assets | 0.5591% | 2,377 |
| Noninterest expense to average assets | 2.4922% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0000% | 2,911 |
| Return on assets (ROA) | 1.0022% | 2,962 |
| Pretax return on assets | 1.3458% | 2,498 |
| Return on Equity (ROE) | 9.4284% | 2,954 |
| Retained earnings to average equity (ytd only) | 1.2617% | 4,358 |
| Net charge-offs to loans | 0.0417% | 1,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 48.4778% | 1,262 |
| Efficiency ratio | 64.9811% | 2,250 |
| Assets per employee ($millions) | 5.1911% | 3,512 |
| Cash dividends to net income (ytd only)* | 86.6176% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,412 |
| Loan loss allowance to noncurrent loans | 190.8978% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 1,280 |
| Noncurrent loans to loans | 0.6894% | 1,599 |
| Net loans and leases to total assets | 64.1840% | 1,748 |
| Net loans and leases to deposits | 77.1036% | 1,563 |
| Net loans and leases to core deposits | 80.0611% | 1,726 |
| Total domestic deposits to total assets | 83.2439% | 3,644 |
| Equity capital to assets | 10.5160% | 2,449 |
| Core capital (leverage) ratio | 8.4588% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9925% | 2,366 |
| Memoranda: | ||
| Average total assets | $1,843,167,250 | 583 |
| Average earning assets | $1,666,323,250 | 579 |
| Average equity | $195,914,000 | 559 |
| Average total loans | $1,225,715,000 | 562 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 1,588 |
| Cost of funding earning assets | 0.3272% | 2,523 |
| Net interest margin | 3.6618% | 1,439 |
| Noninterest income to average assets | 0.5774% | 2,305 |
| Noninterest expense to average assets | 2.4992% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9943% | 2,907 |
| Return on assets (ROA) | 0.9976% | 2,972 |
| Pretax return on assets | 1.3917% | 2,365 |
| Return on Equity (ROE) | 9.3491% | 2,995 |
| Retained earnings to average equity (ytd only) | -3.1344% | 4,725 |
| Net charge-offs to loans | 0.0391% | 1,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 52.9661% | 1,032 |
| Efficiency ratio | 64.3010% | 2,385 |
| Assets per employee ($millions) | 5.0477% | 3,620 |
| Cash dividends to net income (ytd only)* | 133.5262% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 2,384 |
| Loan loss allowance to noncurrent loans | 208.8261% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 1,353 |
| Noncurrent loans to loans | 0.6275% | 1,844 |
| Net loans and leases to total assets | 65.1603% | 1,803 |
| Net loans and leases to deposits | 78.0243% | 1,622 |
| Net loans and leases to core deposits | 80.9720% | 1,803 |
| Total domestic deposits to total assets | 83.5129% | 3,569 |
| Equity capital to assets | 10.3342% | 2,552 |
| Core capital (leverage) ratio | 8.7206% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0313% | 2,355 |
| Memoranda: | ||
| Average total assets | $1,801,743,667 | 584 |
| Average earning assets | $1,628,326,333 | 586 |
| Average equity | $192,253,667 | 562 |
| Average total loans | $1,207,746,000 | 573 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 1,474 |
| Cost of funding earning assets | 0.3483% | 2,534 |
| Net interest margin | 3.7173% | 1,296 |
| Noninterest income to average assets | 0.5981% | 2,220 |
| Noninterest expense to average assets | 2.6445% | 1,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9586% | 2,937 |
| Return on assets (ROA) | 0.9586% | 3,031 |
| Pretax return on assets | 1.3073% | 2,555 |
| Return on Equity (ROE) | 8.8251% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.8251% | 2,013 |
| Net charge-offs to loans | 0.0811% | 790 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 23.8305% | 1,186 |
| Efficiency ratio | 66.9196% | 2,094 |
| Assets per employee ($millions) | 4.9886% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,784 |
| Loan loss allowance to noncurrent loans | 227.5248% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 1,533 |
| Noncurrent loans to loans | 0.6364% | 1,985 |
| Net loans and leases to total assets | 65.6551% | 1,840 |
| Net loans and leases to deposits | 81.2075% | 1,408 |
| Net loans and leases to core deposits | 84.4228% | 1,640 |
| Total domestic deposits to total assets | 80.8485% | 4,089 |
| Equity capital to assets | 10.5787% | 2,187 |
| Core capital (leverage) ratio | 8.8919% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1864% | 2,214 |
| Memoranda: | ||
| Average total assets | $1,720,829,500 | 602 |
| Average earning assets | $1,552,537,500 | 607 |
| Average equity | $186,921,000 | 573 |
| Average total loans | $1,163,390,000 | 586 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 1,585 |
| Cost of funding earning assets | 0.5851% | 2,412 |
| Net interest margin | 3.8189% | 1,449 |
| Noninterest income to average assets | 0.6285% | 2,103 |
| Noninterest expense to average assets | 2.5546% | 2,684 |
| Loan and lease loss provision to assets | 0.3704% | 888 |
| Net operating income to assets | 0.9194% | 2,615 |
| Return on assets (ROA) | 0.8881% | 2,888 |
| Pretax return on assets | 1.0708% | 2,810 |
| Return on Equity (ROE) | 7.8185% | 2,881 |
| Retained earnings to average equity (ytd only) | 7.2611% | 1,292 |
| Net charge-offs to loans | 0.1847% | 917 |
| Credit loss provision to net charge-offs | 288.8889% | 1,777 |
| Earnings coverage of net charge-offs (x) | 11.5338% | 2,395 |
| Efficiency ratio | 63.3338% | 2,923 |
| Assets per employee ($millions) | 4.6947% | 3,722 |
| Cash dividends to net income (ytd only)* | 7.1296% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 1,606 |
| Loan loss allowance to noncurrent loans | 217.9701% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 1,542 |
| Noncurrent loans to loans | 0.6850% | 1,973 |
| Net loans and leases to total assets | 67.6153% | 1,865 |
| Net loans and leases to deposits | 82.1693% | 1,648 |
| Net loans and leases to core deposits | 85.7604% | 1,891 |
| Total domestic deposits to total assets | 82.2878% | 3,596 |
| Equity capital to assets | 11.1593% | 2,127 |
| Core capital (leverage) ratio | 8.8376% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4729% | 2,060 |
| Memoranda: | ||
| Average total assets | $1,579,243,400 | 591 |
| Average earning assets | $1,408,065,400 | 600 |
| Average equity | $179,394,000 | 561 |
| Average total loans | $1,096,272,800 | 585 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5920% | 1,330 |
| Cost of funding earning assets | 0.6376% | 2,389 |
| Net interest margin | 3.9545% | 1,225 |
| Noninterest income to average assets | 0.6635% | 1,928 |
| Noninterest expense to average assets | 2.5928% | 2,551 |
| Loan and lease loss provision to assets | 0.3904% | 925 |
| Net operating income to assets | 0.9843% | 2,392 |
| Return on assets (ROA) | 0.9425% | 2,681 |
| Pretax return on assets | 1.1450% | 2,582 |
| Return on Equity (ROE) | 8.2575% | 2,707 |
| Retained earnings to average equity (ytd only) | 7.5057% | 1,493 |
| Net charge-offs to loans | 0.1641% | 898 |
| Credit loss provision to net charge-offs | 341.5916% | 1,635 |
| Earnings coverage of net charge-offs (x) | 13.8806% | 2,176 |
| Efficiency ratio | 62.0396% | 3,074 |
| Assets per employee ($millions) | 4.4508% | 3,903 |
| Cash dividends to net income (ytd only)* | 9.1042% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 1,608 |
| Loan loss allowance to noncurrent loans | 163.8013% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 1,342 |
| Noncurrent loans to loans | 0.8728% | 1,709 |
| Net loans and leases to total assets | 71.4963% | 1,745 |
| Net loans and leases to deposits | 87.4551% | 1,544 |
| Net loans and leases to core deposits | 93.0668% | 1,705 |
| Total domestic deposits to total assets | 81.7521% | 3,483 |
| Equity capital to assets | 11.4940% | 2,010 |
| Core capital (leverage) ratio | 8.9349% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1054% | 2,152 |
| Memoranda: | ||
| Average total assets | $1,553,881,250 | 584 |
| Average earning assets | $1,381,459,000 | 596 |
| Average equity | $177,354,000 | 560 |
| Average total loans | $1,081,933,750 | 583 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 1,115 |
| Cost of funding earning assets | 0.6997% | 2,382 |
| Net interest margin | 4.1211% | 1,073 |
| Noninterest income to average assets | 0.6330% | 2,005 |
| Noninterest expense to average assets | 2.6034% | 2,652 |
| Loan and lease loss provision to assets | 0.4032% | 998 |
| Net operating income to assets | 1.0526% | 2,137 |
| Return on assets (ROA) | 0.9891% | 2,498 |
| Pretax return on assets | 1.2037% | 2,354 |
| Return on Equity (ROE) | 8.6873% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.6873% | 1,106 |
| Net charge-offs to loans | 0.0364% | 2,009 |
| Credit loss provision to net charge-offs | 1,614.5833% | 570 |
| Earnings coverage of net charge-offs (x) | 67.4479% | 898 |
| Efficiency ratio | 60.7183% | 3,317 |
| Assets per employee ($millions) | 4.4485% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,549 |
| Loan loss allowance to noncurrent loans | 128.8503% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.0069% | 1,192 |
| Noncurrent loans to loans | 1.0956% | 1,433 |
| Net loans and leases to total assets | 69.7509% | 2,070 |
| Net loans and leases to deposits | 83.7139% | 2,022 |
| Net loans and leases to core deposits | 90.2752% | 2,057 |
| Total domestic deposits to total assets | 83.3205% | 2,991 |
| Equity capital to assets | 11.1359% | 2,221 |
| Core capital (leverage) ratio | 9.0575% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3310% | 2,058 |
| Memoranda: | ||
| Average total assets | $1,537,744,333 | 578 |
| Average earning assets | $1,363,704,000 | 591 |
| Average equity | $175,082,667 | 561 |
| Average total loans | $1,055,179,333 | 587 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 2,544 |
| Cost of funding earning assets | 0.7981% | 2,410 |
| Net interest margin | 3.6226% | 2,596 |
| Noninterest income to average assets | 0.7647% | 1,416 |
| Noninterest expense to average assets | 2.7487% | 2,582 |
| Loan and lease loss provision to assets | 0.1074% | 2,336 |
| Net operating income to assets | 0.9270% | 2,428 |
| Return on assets (ROA) | 0.9270% | 2,538 |
| Pretax return on assets | 1.1015% | 2,519 |
| Return on Equity (ROE) | 8.0456% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.0456% | 1,220 |
| Net charge-offs to loans | 0.0875% | 1,174 |
| Credit loss provision to net charge-offs | 181.8182% | 1,470 |
| Earnings coverage of net charge-offs (x) | 20.4727% | 1,413 |
| Efficiency ratio | 69.4541% | 2,437 |
| Assets per employee ($millions) | 4.0675% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,914 |
| Loan loss allowance to noncurrent loans | 97.3333% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 1,093 |
| Noncurrent loans to loans | 1.3869% | 1,154 |
| Net loans and leases to total assets | 66.8347% | 2,716 |
| Net loans and leases to deposits | 80.9349% | 2,583 |
| Net loans and leases to core deposits | 86.6555% | 2,628 |
| Total domestic deposits to total assets | 82.5783% | 3,242 |
| Equity capital to assets | 11.7217% | 2,265 |
| Core capital (leverage) ratio | 9.2242% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2348% | 2,184 |
| Memoranda: | ||
| Average total assets | $1,490,319,000 | 573 |
| Average earning assets | $1,313,543,500 | 585 |
| Average equity | $171,722,000 | 573 |
| Average total loans | $1,005,241,500 | 594 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7241% | 2,257 |
| Cost of funding earning assets | 0.8943% | 2,215 |
| Net interest margin | 3.8298% | 2,405 |
| Noninterest income to average assets | 0.7609% | 1,583 |
| Noninterest expense to average assets | 2.6350% | 3,075 |
| Loan and lease loss provision to assets | 0.3704% | 400 |
| Net operating income to assets | 0.9681% | 2,958 |
| Return on assets (ROA) | 0.9681% | 3,046 |
| Pretax return on assets | 1.1417% | 3,038 |
| Return on Equity (ROE) | 8.5372% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.5372% | 823 |
| Net charge-offs to loans | 0.3041% | 684 |
| Credit loss provision to net charge-offs | 173.7986% | 1,493 |
| Earnings coverage of net charge-offs (x) | 7.0951% | 2,905 |
| Efficiency ratio | 63.5378% | 3,138 |
| Assets per employee ($millions) | 4.0652% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 1,779 |
| Loan loss allowance to noncurrent loans | 120.5398% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.9615% | 1,312 |
| Noncurrent loans to loans | 1.1064% | 1,364 |
| Net loans and leases to total assets | 66.2602% | 2,918 |
| Net loans and leases to deposits | 79.9872% | 2,779 |
| Net loans and leases to core deposits | 87.1882% | 2,687 |
| Total domestic deposits to total assets | 82.8386% | 3,253 |
| Equity capital to assets | 11.3248% | 2,681 |
| Core capital (leverage) ratio | 9.0272% | 4,515 |
| Tier 1 risk-based capital ratio | 12.8464% | 3,875 |
| Total risk-based capital ratio | 14.0973% | 3,759 |
| Memoranda: | ||
| Average total assets | $1,425,469,800 | 573 |
| Average earning assets | $1,260,386,200 | 589 |
| Average equity | $161,644,800 | 579 |
| Average total loans | $998,874,200 | 574 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 2,233 |
| Cost of funding earning assets | 0.8833% | 2,305 |
| Net interest margin | 3.8811% | 2,325 |
| Noninterest income to average assets | 0.7675% | 1,530 |
| Noninterest expense to average assets | 2.6190% | 3,112 |
| Loan and lease loss provision to assets | 0.3911% | 333 |
| Net operating income to assets | 1.0152% | 2,925 |
| Return on assets (ROA) | 1.0152% | 3,004 |
| Pretax return on assets | 1.1857% | 3,026 |
| Return on Equity (ROE) | 8.9498% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.9498% | 1,063 |
| Net charge-offs to loans | 0.3013% | 581 |
| Credit loss provision to net charge-offs | 183.2298% | 1,411 |
| Earnings coverage of net charge-offs (x) | 7.3869% | 2,747 |
| Efficiency ratio | 62.4187% | 3,260 |
| Assets per employee ($millions) | 4.0050% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,146 |
| Loan loss allowance to noncurrent loans | 114.6678% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 1,308 |
| Noncurrent loans to loans | 1.1028% | 1,441 |
| Net loans and leases to total assets | 69.6050% | 2,532 |
| Net loans and leases to deposits | 84.1339% | 2,439 |
| Net loans and leases to core deposits | 95.0592% | 2,081 |
| Total domestic deposits to total assets | 82.7312% | 3,240 |
| Equity capital to assets | 11.3850% | 2,753 |
| Core capital (leverage) ratio | 9.1852% | 4,490 |
| Tier 1 risk-based capital ratio | 12.1552% | 4,338 |
| Total risk-based capital ratio | 13.3994% | 4,229 |
| Memoranda: | ||
| Average total assets | $1,407,840,750 | 583 |
| Average earning assets | $1,243,598,750 | 597 |
| Average equity | $159,701,750 | 584 |
| Average total loans | $997,432,250 | 580 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 2,433 |
| Cost of funding earning assets | 0.8513% | 2,386 |
| Net interest margin | 3.8248% | 2,500 |
| Noninterest income to average assets | 0.7445% | 1,543 |
| Noninterest expense to average assets | 2.5368% | 3,363 |
| Loan and lease loss provision to assets | 0.3569% | 359 |
| Net operating income to assets | 1.0374% | 2,774 |
| Return on assets (ROA) | 1.0374% | 2,848 |
| Pretax return on assets | 1.2316% | 2,809 |
| Return on Equity (ROE) | 9.1566% | 2,789 |
| Retained earnings to average equity (ytd only) | 9.1566% | 987 |
| Net charge-offs to loans | 0.3881% | 429 |
| Credit loss provision to net charge-offs | 129.5716% | 1,669 |
| Earnings coverage of net charge-offs (x) | 5.7675% | 2,620 |
| Efficiency ratio | 61.4937% | 3,508 |
| Assets per employee ($millions) | 3.8725% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 2,778 |
| Loan loss allowance to noncurrent loans | 93.7085% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.1143% | 1,215 |
| Noncurrent loans to loans | 1.2289% | 1,296 |
| Net loans and leases to total assets | 70.7965% | 2,426 |
| Net loans and leases to deposits | 85.7667% | 2,281 |
| Net loans and leases to core deposits | 97.3895% | 1,940 |
| Total domestic deposits to total assets | 82.5454% | 3,357 |
| Equity capital to assets | 11.4284% | 2,677 |
| Core capital (leverage) ratio | 9.2128% | 4,443 |
| Tier 1 risk-based capital ratio | 11.8856% | 4,482 |
| Total risk-based capital ratio | 13.0109% | 4,438 |
| Memoranda: | ||
| Average total assets | $1,389,848,000 | 585 |
| Average earning assets | $1,228,493,000 | 603 |
| Average equity | $157,459,670 | 589 |
| Average total loans | $986,399,330 | 584 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 2,397 |
| Cost of funding earning assets | 0.7998% | 2,540 |
| Net interest margin | 3.8457% | 2,363 |
| Noninterest income to average assets | 0.7754% | 1,350 |
| Noninterest expense to average assets | 2.7365% | 2,788 |
| Loan and lease loss provision to assets | 0.2853% | 472 |
| Net operating income to assets | 0.9778% | 2,932 |
| Return on assets (ROA) | 0.9778% | 2,974 |
| Pretax return on assets | 1.1451% | 2,991 |
| Return on Equity (ROE) | 8.6696% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.6696% | 1,428 |
| Net charge-offs to loans | 0.2279% | 629 |
| Credit loss provision to net charge-offs | 177.2152% | 1,126 |
| Earnings coverage of net charge-offs (x) | 8.8861% | 2,064 |
| Efficiency ratio | 65.6724% | 2,981 |
| Assets per employee ($millions) | 3.8874% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,690 |
| Loan loss allowance to noncurrent loans | 88.4266% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 1,059 |
| Noncurrent loans to loans | 1.3342% | 1,221 |
| Net loans and leases to total assets | 71.3074% | 2,282 |
| Net loans and leases to deposits | 87.1185% | 1,985 |
| Net loans and leases to core deposits | 95.3780% | 1,990 |
| Total domestic deposits to total assets | 81.8510% | 3,762 |
| Equity capital to assets | 11.5818% | 2,321 |
| Core capital (leverage) ratio | 9.0841% | 4,589 |
| Tier 1 risk-based capital ratio | 11.8154% | 4,559 |
| Total risk-based capital ratio | 12.9561% | 4,514 |
| Memoranda: | ||
| Average total assets | $1,374,170,000 | 597 |
| Average earning assets | $1,211,834,500 | 610 |
| Average equity | $154,979,000 | 592 |
| Average total loans | $970,657,000 | 596 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 1,863 |
| Cost of funding earning assets | 0.5566% | 3,007 |
| Net interest margin | 4.1314% | 1,586 |
| Noninterest income to average assets | 0.7420% | 1,682 |
| Noninterest expense to average assets | 2.8444% | 2,537 |
| Loan and lease loss provision to assets | 0.3343% | 465 |
| Net operating income to assets | 0.9896% | 3,054 |
| Return on assets (ROA) | 0.9896% | 3,054 |
| Pretax return on assets | 1.1796% | 2,967 |
| Return on Equity (ROE) | 8.7432% | 3,123 |
| Retained earnings to average equity (ytd only) | 8.7432% | 955 |
| Net charge-offs to loans | 0.3448% | 552 |
| Credit loss provision to net charge-offs | 135.7053% | 1,970 |
| Earnings coverage of net charge-offs (x) | 6.1461% | 3,121 |
| Efficiency ratio | 65.2638% | 2,994 |
| Assets per employee ($millions) | 3.9764% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,756 |
| Loan loss allowance to noncurrent loans | 91.8492% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1516% | 1,146 |
| Noncurrent loans to loans | 1.2658% | 1,258 |
| Net loans and leases to total assets | 68.3390% | 2,831 |
| Net loans and leases to deposits | 83.1693% | 2,606 |
| Net loans and leases to core deposits | 92.0464% | 2,405 |
| Total domestic deposits to total assets | 82.1686% | 3,600 |
| Equity capital to assets | 10.9801% | 2,709 |
| Core capital (leverage) ratio | 8.8102% | 4,803 |
| Tier 1 risk-based capital ratio | 11.8643% | 4,527 |
| Total risk-based capital ratio | 12.9996% | 4,471 |
| Memoranda: | ||
| Average total assets | $1,289,374,000 | 607 |
| Average earning assets | $1,128,626,600 | 625 |
| Average equity | $145,942,400 | 594 |
| Average total loans | $921,102,400 | 596 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 1,785 |
| Cost of funding earning assets | 0.4729% | 3,377 |
| Net interest margin | 4.1901% | 1,382 |
| Noninterest income to average assets | 0.7432% | 1,704 |
| Noninterest expense to average assets | 2.9410% | 2,189 |
| Loan and lease loss provision to assets | 0.3004% | 489 |
| Net operating income to assets | 0.9843% | 3,159 |
| Return on assets (ROA) | 0.9843% | 3,166 |
| Pretax return on assets | 1.1635% | 3,145 |
| Return on Equity (ROE) | 8.6252% | 3,276 |
| Retained earnings to average equity (ytd only) | 8.6252% | 1,367 |
| Net charge-offs to loans | 0.4001% | 408 |
| Credit loss provision to net charge-offs | 104.2048% | 2,194 |
| Earnings coverage of net charge-offs (x) | 5.0775% | 2,994 |
| Efficiency ratio | 66.7664% | 2,756 |
| Assets per employee ($millions) | 3.8260% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,486 |
| Loan loss allowance to noncurrent loans | 90.1628% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2750% | 1,081 |
| Noncurrent loans to loans | 1.1612% | 1,450 |
| Net loans and leases to total assets | 72.3738% | 2,277 |
| Net loans and leases to deposits | 92.7465% | 1,527 |
| Net loans and leases to core deposits | 102.3653% | 1,576 |
| Total domestic deposits to total assets | 78.0340% | 4,479 |
| Equity capital to assets | 11.1694% | 2,509 |
| Core capital (leverage) ratio | 8.8769% | 4,823 |
| Tier 1 risk-based capital ratio | 11.4463% | 4,825 |
| Total risk-based capital ratio | 12.4717% | 4,834 |
| Memoranda: | ||
| Average total assets | $1,264,779,750 | 619 |
| Average earning assets | $1,105,300,500 | 638 |
| Average equity | $144,333,750 | 594 |
| Average total loans | $911,495,250 | 601 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 1,765 |
| Cost of funding earning assets | 0.3981% | 3,733 |
| Net interest margin | 4.2077% | 1,273 |
| Noninterest income to average assets | 0.7101% | 1,833 |
| Noninterest expense to average assets | 2.9771% | 2,112 |
| Loan and lease loss provision to assets | 0.2731% | 549 |
| Net operating income to assets | 1.0018% | 3,009 |
| Return on assets (ROA) | 1.0018% | 3,009 |
| Pretax return on assets | 1.1303% | 3,192 |
| Return on Equity (ROE) | 8.7134% | 3,163 |
| Retained earnings to average equity (ytd only) | 8.7134% | 1,315 |
| Net charge-offs to loans | 0.5176% | 289 |
| Credit loss provision to net charge-offs | 73.5931% | 2,317 |
| Earnings coverage of net charge-offs (x) | 3.7823% | 2,851 |
| Efficiency ratio | 67.9623% | 2,651 |
| Assets per employee ($millions) | 3.6589% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,730 |
| Loan loss allowance to noncurrent loans | 74.4797% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.5659% | 830 |
| Noncurrent loans to loans | 1.3670% | 1,239 |
| Net loans and leases to total assets | 72.0672% | 2,264 |
| Net loans and leases to deposits | 93.3791% | 1,427 |
| Net loans and leases to core deposits | 97.1374% | 1,949 |
| Total domestic deposits to total assets | 77.1770% | 4,712 |
| Equity capital to assets | 11.4768% | 2,216 |
| Core capital (leverage) ratio | 9.1173% | 4,565 |
| Tier 1 risk-based capital ratio | 11.4508% | 4,806 |
| Total risk-based capital ratio | 12.4304% | 4,861 |
| Memoranda: | ||
| Average total assets | $1,245,109,000 | 633 |
| Average earning assets | $1,086,111,000 | 650 |
| Average equity | $143,158,330 | 593 |
| Average total loans | $892,588,330 | 614 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,532 |
| Cost of funding earning assets | 0.3669% | 3,860 |
| Net interest margin | 4.2453% | 1,063 |
| Noninterest income to average assets | 0.7638% | 1,570 |
| Noninterest expense to average assets | 3.0203% | 2,023 |
| Loan and lease loss provision to assets | 0.3245% | 383 |
| Net operating income to assets | 1.0155% | 2,798 |
| Return on assets (ROA) | 1.0155% | 2,817 |
| Pretax return on assets | 1.1129% | 3,124 |
| Return on Equity (ROE) | 8.8243% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.8243% | 1,528 |
| Net charge-offs to loans | 0.5170% | 292 |
| Credit loss provision to net charge-offs | 88.2613% | 1,677 |
| Earnings coverage of net charge-offs (x) | 3.9100% | 2,349 |
| Efficiency ratio | 67.7560% | 2,872 |
| Assets per employee ($millions) | 3.6409% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 3,161 |
| Loan loss allowance to noncurrent loans | 81.8694% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.5046% | 921 |
| Noncurrent loans to loans | 1.3889% | 1,282 |
| Net loans and leases to total assets | 69.8655% | 2,506 |
| Net loans and leases to deposits | 84.8653% | 2,303 |
| Net loans and leases to core deposits | 88.2996% | 2,606 |
| Total domestic deposits to total assets | 82.3252% | 3,865 |
| Equity capital to assets | 11.5832% | 2,071 |
| Core capital (leverage) ratio | 8.9715% | 4,705 |
| Tier 1 risk-based capital ratio | 11.6146% | 4,793 |
| Total risk-based capital ratio | 12.6890% | 4,790 |
| Memoranda: | ||
| Average total assets | $1,232,842,000 | 640 |
| Average earning assets | $1,072,728,000 | 660 |
| Average equity | $141,880,500 | 603 |
| Average total loans | $876,678,500 | 631 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 1,243 |
| Cost of funding earning assets | 0.3555% | 3,656 |
| Net interest margin | 4.3244% | 918 |
| Noninterest income to average assets | 0.8936% | 1,290 |
| Noninterest expense to average assets | 3.3225% | 1,330 |
| Loan and lease loss provision to assets | 0.2785% | 638 |
| Net operating income to assets | 0.9181% | 2,607 |
| Return on assets (ROA) | 0.9193% | 2,634 |
| Pretax return on assets | 1.0502% | 3,379 |
| Return on Equity (ROE) | 8.0939% | 2,756 |
| Retained earnings to average equity (ytd only) | 4.4335% | 2,497 |
| Net charge-offs to loans | 0.2025% | 1,273 |
| Credit loss provision to net charge-offs | 197.7568% | 1,382 |
| Earnings coverage of net charge-offs (x) | 9.4244% | 2,791 |
| Efficiency ratio | 71.4523% | 2,307 |
| Assets per employee ($millions) | 3.6433% | 4,512 |
| Cash dividends to net income (ytd only)* | 45.2243% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,152 |
| Loan loss allowance to noncurrent loans | 64.7542% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.6436% | 798 |
| Noncurrent loans to loans | 1.7514% | 920 |
| Net loans and leases to total assets | 70.7386% | 2,410 |
| Net loans and leases to deposits | 85.4922% | 2,326 |
| Net loans and leases to core deposits | 88.7460% | 2,666 |
| Total domestic deposits to total assets | 82.7428% | 3,649 |
| Equity capital to assets | 11.4339% | 2,249 |
| Core capital (leverage) ratio | 8.6392% | 5,003 |
| Tier 1 risk-based capital ratio | 11.2372% | 5,020 |
| Total risk-based capital ratio | 12.3226% | 4,991 |
| Memoranda: | ||
| Average total assets | $1,202,689,400 | 627 |
| Average earning assets | $1,044,694,000 | 647 |
| Average equity | $136,597,400 | 601 |
| Average total loans | $836,410,600 | 624 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,293 |
| Cost of funding earning assets | 0.3438% | 3,734 |
| Net interest margin | 4.2850% | 960 |
| Noninterest income to average assets | 0.9297% | 1,190 |
| Noninterest expense to average assets | 3.2964% | 1,358 |
| Loan and lease loss provision to assets | 0.2288% | 798 |
| Net operating income to assets | 0.9028% | 3,012 |
| Return on assets (ROA) | 0.9043% | 3,064 |
| Pretax return on assets | 1.1275% | 3,193 |
| Return on Equity (ROE) | 7.9756% | 3,135 |
| Retained earnings to average equity (ytd only) | 4.0380% | 3,518 |
| Net charge-offs to loans | 0.2205% | 985 |
| Credit loss provision to net charge-offs | 150.2933% | 1,688 |
| Earnings coverage of net charge-offs (x) | 8.8974% | 2,732 |
| Efficiency ratio | 70.8766% | 2,382 |
| Assets per employee ($millions) | 3.6166% | 4,567 |
| Cash dividends to net income (ytd only)* | 49.3705% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,873 |
| Loan loss allowance to noncurrent loans | 59.1402% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.6389% | 893 |
| Noncurrent loans to loans | 1.7516% | 1,025 |
| Net loans and leases to total assets | 69.5099% | 2,631 |
| Net loans and leases to deposits | 87.6019% | 2,117 |
| Net loans and leases to core deposits | 90.9568% | 2,534 |
| Total domestic deposits to total assets | 79.3474% | 4,473 |
| Equity capital to assets | 11.2466% | 2,620 |
| Core capital (leverage) ratio | 8.5068% | 5,243 |
| Tier 1 risk-based capital ratio | 11.1006% | 5,187 |
| Total risk-based capital ratio | 12.0878% | 5,236 |
| Memoranda: | ||
| Average total assets | $1,194,594,250 | 628 |
| Average earning assets | $1,037,418,250 | 655 |
| Average equity | $135,442,500 | 610 |
| Average total loans | $824,590,000 | 636 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 1,459 |
| Cost of funding earning assets | 0.3163% | 3,916 |
| Net interest margin | 4.2065% | 1,065 |
| Noninterest income to average assets | 1.0145% | 986 |
| Noninterest expense to average assets | 3.3094% | 1,357 |
| Loan and lease loss provision to assets | 0.2292% | 753 |
| Net operating income to assets | 0.8939% | 2,941 |
| Return on assets (ROA) | 0.8960% | 2,988 |
| Pretax return on assets | 1.1252% | 3,067 |
| Return on Equity (ROE) | 7.8805% | 3,103 |
| Retained earnings to average equity (ytd only) | 4.8943% | 2,781 |
| Net charge-offs to loans | 0.2086% | 978 |
| Credit loss provision to net charge-offs | 160.1423% | 1,460 |
| Earnings coverage of net charge-offs (x) | 9.4448% | 2,432 |
| Efficiency ratio | 71.0009% | 2,514 |
| Assets per employee ($millions) | 3.5393% | 4,662 |
| Cash dividends to net income (ytd only)* | 37.8931% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,879 |
| Loan loss allowance to noncurrent loans | 51.4974% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.8406% | 738 |
| Noncurrent loans to loans | 2.0294% | 827 |
| Net loans and leases to total assets | 68.6064% | 2,723 |
| Net loans and leases to deposits | 86.9364% | 2,112 |
| Net loans and leases to core deposits | 90.1970% | 2,500 |
| Total domestic deposits to total assets | 78.9156% | 4,633 |
| Equity capital to assets | 11.3644% | 2,444 |
| Core capital (leverage) ratio | 8.8168% | 4,932 |
| Tier 1 risk-based capital ratio | 11.3278% | 5,071 |
| Total risk-based capital ratio | 12.3236% | 5,109 |
| Memoranda: | ||
| Average total assets | $1,178,093,330 | 636 |
| Average earning assets | $1,021,279,000 | 670 |
| Average equity | $133,950,670 | 613 |
| Average total loans | $808,179,330 | 653 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 1,593 |
| Cost of funding earning assets | 0.2948% | 4,101 |
| Net interest margin | 4.1232% | 1,163 |
| Noninterest income to average assets | 0.8808% | 1,305 |
| Noninterest expense to average assets | 3.3061% | 1,376 |
| Loan and lease loss provision to assets | 0.1905% | 878 |
| Net operating income to assets | 0.7800% | 3,308 |
| Return on assets (ROA) | 0.7800% | 3,366 |
| Pretax return on assets | 0.9445% | 3,610 |
| Return on Equity (ROE) | 6.8584% | 3,466 |
| Retained earnings to average equity (ytd only) | 6.8584% | 1,907 |
| Net charge-offs to loans | 0.2214% | 806 |
| Credit loss provision to net charge-offs | 126.1468% | 1,340 |
| Earnings coverage of net charge-offs (x) | 7.5161% | 2,129 |
| Efficiency ratio | 74.4424% | 2,155 |
| Assets per employee ($millions) | 3.5821% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,936 |
| Loan loss allowance to noncurrent loans | 49.5711% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 715 |
| Noncurrent loans to loans | 2.1366% | 810 |
| Net loans and leases to total assets | 67.4507% | 2,754 |
| Net loans and leases to deposits | 83.1700% | 2,375 |
| Net loans and leases to core deposits | 85.9424% | 2,718 |
| Total domestic deposits to total assets | 81.0998% | 4,393 |
| Equity capital to assets | 11.4340% | 2,233 |
| Core capital (leverage) ratio | 8.7146% | 5,032 |
| Tier 1 risk-based capital ratio | 11.4744% | 5,044 |
| Total risk-based capital ratio | 12.4735% | 5,087 |
| Memoranda: | ||
| Average total assets | $1,154,842,500 | 649 |
| Average earning assets | $997,192,000 | 689 |
| Average equity | $131,342,000 | 626 |
| Average total loans | $787,757,000 | 669 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 1,529 |
| Cost of funding earning assets | 0.3049% | 4,013 |
| Net interest margin | 4.1972% | 1,121 |
| Noninterest income to average assets | 0.8759% | 1,493 |
| Noninterest expense to average assets | 3.2141% | 1,759 |
| Loan and lease loss provision to assets | 0.1439% | 1,741 |
| Net operating income to assets | 0.8656% | 3,000 |
| Return on assets (ROA) | 0.8689% | 3,096 |
| Pretax return on assets | 1.1414% | 2,932 |
| Return on Equity (ROE) | 7.0921% | 3,423 |
| Retained earnings to average equity (ytd only) | -8.6401% | 5,768 |
| Net charge-offs to loans | 0.2441% | 1,140 |
| Credit loss provision to net charge-offs | 87.4545% | 2,849 |
| Earnings coverage of net charge-offs (x) | 7.7829% | 2,965 |
| Efficiency ratio | 71.5051% | 2,668 |
| Assets per employee ($millions) | 3.5909% | 4,623 |
| Cash dividends to net income (ytd only)* | 221.8279% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,986 |
| Loan loss allowance to noncurrent loans | 47.6866% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.9837% | 697 |
| Noncurrent loans to loans | 2.2101% | 767 |
| Net loans and leases to total assets | 67.5350% | 2,848 |
| Net loans and leases to deposits | 81.4120% | 2,735 |
| Net loans and leases to core deposits | 84.0184% | 3,023 |
| Total domestic deposits to total assets | 82.9547% | 3,782 |
| Equity capital to assets | 11.3117% | 2,319 |
| Core capital (leverage) ratio | 8.3696% | 5,392 |
| Tier 1 risk-based capital ratio | 11.4266% | 5,102 |
| Total risk-based capital ratio | 12.4315% | 5,128 |
| Memoranda: | ||
| Average total assets | $1,167,288,400 | 620 |
| Average earning assets | $1,006,499,400 | 659 |
| Average equity | $143,018,400 | 551 |
| Average total loans | $787,066,600 | 635 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 1,553 |
| Cost of funding earning assets | 0.3027% | 4,065 |
| Net interest margin | 4.1941% | 1,136 |
| Noninterest income to average assets | 0.8706% | 1,509 |
| Noninterest expense to average assets | 3.1488% | 1,904 |
| Loan and lease loss provision to assets | 0.1764% | 1,273 |
| Net operating income to assets | 0.8940% | 2,938 |
| Return on assets (ROA) | 0.8985% | 3,053 |
| Pretax return on assets | 1.1694% | 2,970 |
| Return on Equity (ROE) | 7.1980% | 3,448 |
| Retained earnings to average equity (ytd only) | 4.9193% | 2,884 |
| Net charge-offs to loans | 0.2781% | 829 |
| Credit loss provision to net charge-offs | 94.3396% | 2,469 |
| Earnings coverage of net charge-offs (x) | 7.1674% | 2,906 |
| Efficiency ratio | 70.1503% | 2,865 |
| Assets per employee ($millions) | 3.7769% | 4,348 |
| Cash dividends to net income (ytd only)* | 31.6576% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 4,194 |
| Loan loss allowance to noncurrent loans | 62.8098% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.5542% | 1,134 |
| Noncurrent loans to loans | 1.6525% | 1,293 |
| Net loans and leases to total assets | 67.2163% | 2,920 |
| Net loans and leases to deposits | 86.6567% | 2,192 |
| Net loans and leases to core deposits | 89.5140% | 2,620 |
| Total domestic deposits to total assets | 77.5662% | 4,990 |
| Equity capital to assets | 12.6016% | 1,704 |
| Core capital (leverage) ratio | 9.8756% | 3,725 |
| Tier 1 risk-based capital ratio | 13.2152% | 4,026 |
| Total risk-based capital ratio | 14.2102% | 4,098 |
| Memoranda: | ||
| Average total assets | $1,171,838,500 | 621 |
| Average earning assets | $1,010,898,250 | 655 |
| Average equity | $146,277,750 | 544 |
| Average total loans | $787,757,500 | 637 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 1,630 |
| Cost of funding earning assets | 0.2964% | 4,175 |
| Net interest margin | 4.1674% | 1,186 |
| Noninterest income to average assets | 0.8705% | 1,470 |
| Noninterest expense to average assets | 3.1507% | 1,928 |
| Loan and lease loss provision to assets | 0.1631% | 1,385 |
| Net operating income to assets | 0.8621% | 3,041 |
| Return on assets (ROA) | 0.8688% | 3,125 |
| Pretax return on assets | 1.1564% | 2,961 |
| Return on Equity (ROE) | 6.9826% | 3,553 |
| Retained earnings to average equity (ytd only) | 3.5320% | 3,647 |
| Net charge-offs to loans | 0.2353% | 1,001 |
| Credit loss provision to net charge-offs | 103.4858% | 2,042 |
| Earnings coverage of net charge-offs (x) | 8.3137% | 2,527 |
| Efficiency ratio | 70.6224% | 2,888 |
| Assets per employee ($millions) | 3.5599% | 4,666 |
| Cash dividends to net income (ytd only)* | 49.4169% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 4,095 |
| Loan loss allowance to noncurrent loans | 66.5187% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.5295% | 1,235 |
| Noncurrent loans to loans | 1.6124% | 1,329 |
| Net loans and leases to total assets | 67.6573% | 2,833 |
| Net loans and leases to deposits | 86.1146% | 2,236 |
| Net loans and leases to core deposits | 89.1438% | 2,626 |
| Total domestic deposits to total assets | 78.5666% | 4,881 |
| Equity capital to assets | 12.6611% | 1,679 |
| Core capital (leverage) ratio | 9.7601% | 3,854 |
| Tier 1 risk-based capital ratio | 13.1297% | 4,116 |
| Total risk-based capital ratio | 14.1591% | 4,167 |
| Memoranda: | ||
| Average total assets | $1,164,617,000 | 625 |
| Average earning assets | $1,003,506,670 | 658 |
| Average equity | $144,903,670 | 548 |
| Average total loans | $780,129,000 | 642 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4361% | 1,696 |
| Cost of funding earning assets | 0.2815% | 4,369 |
| Net interest margin | 4.1546% | 1,207 |
| Noninterest income to average assets | 0.8818% | 1,352 |
| Noninterest expense to average assets | 3.1983% | 1,839 |
| Loan and lease loss provision to assets | 0.1374% | 1,527 |
| Net operating income to assets | 0.8327% | 3,074 |
| Return on assets (ROA) | 0.8327% | 3,206 |
| Pretax return on assets | 1.1194% | 3,018 |
| Return on Equity (ROE) | 6.7520% | 3,591 |
| Retained earnings to average equity (ytd only) | 1.1833% | 4,772 |
| Net charge-offs to loans | 0.1989% | 1,001 |
| Credit loss provision to net charge-offs | 104.1667% | 1,571 |
| Earnings coverage of net charge-offs (x) | 9.5313% | 1,984 |
| Efficiency ratio | 71.7897% | 2,832 |
| Assets per employee ($millions) | 3.5437% | 4,750 |
| Cash dividends to net income (ytd only)* | 82.4742% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,995 |
| Loan loss allowance to noncurrent loans | 65.7132% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.5243% | 1,327 |
| Noncurrent loans to loans | 1.6894% | 1,337 |
| Net loans and leases to total assets | 66.3277% | 2,896 |
| Net loans and leases to deposits | 82.0492% | 2,539 |
| Net loans and leases to core deposits | 84.9284% | 2,851 |
| Total domestic deposits to total assets | 80.8389% | 4,542 |
| Equity capital to assets | 12.6302% | 1,601 |
| Core capital (leverage) ratio | 9.6221% | 4,012 |
| Tier 1 risk-based capital ratio | 12.9552% | 4,297 |
| Total risk-based capital ratio | 13.9893% | 4,342 |
| Memoranda: | ||
| Average total assets | $1,164,876,500 | 627 |
| Average earning assets | $1,001,879,000 | 658 |
| Average equity | $143,661,500 | 547 |
| Average total loans | $772,125,500 | 648 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,319 |
| Cost of funding earning assets | 0.2943% | 4,317 |
| Net interest margin | 4.3109% | 945 |
| Noninterest income to average assets | 0.7637% | 1,920 |
| Noninterest expense to average assets | 2.9808% | 2,613 |
| Loan and lease loss provision to assets | 0.1365% | 1,738 |
| Net operating income to assets | 0.9722% | 2,509 |
| Return on assets (ROA) | 0.9787% | 2,548 |
| Pretax return on assets | 1.3688% | 2,032 |
| Return on Equity (ROE) | 8.1921% | 2,848 |
| Retained earnings to average equity (ytd only) | 5.8721% | 1,857 |
| Net charge-offs to loans | 0.2238% | 1,322 |
| Credit loss provision to net charge-offs | 90.8575% | 2,745 |
| Earnings coverage of net charge-offs (x) | 9.9620% | 2,753 |
| Efficiency ratio | 66.5809% | 3,814 |
| Assets per employee ($millions) | 3.7082% | 4,458 |
| Cash dividends to net income (ytd only)* | 28.3200% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 4,091 |
| Loan loss allowance to noncurrent loans | 87.1619% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.2514% | 1,708 |
| Noncurrent loans to loans | 1.2530% | 1,883 |
| Net loans and leases to total assets | 64.9231% | 3,133 |
| Net loans and leases to deposits | 77.8412% | 3,070 |
| Net loans and leases to core deposits | 82.0348% | 3,143 |
| Total domestic deposits to total assets | 83.4046% | 3,710 |
| Equity capital to assets | 12.1700% | 1,832 |
| Core capital (leverage) ratio | 9.4827% | 4,198 |
| Tier 1 risk-based capital ratio | 13.2216% | 4,155 |
| Total risk-based capital ratio | 14.2629% | 4,216 |
| Memoranda: | ||
| Average total assets | $1,172,531,000 | 601 |
| Average earning assets | $1,009,984,200 | 636 |
| Average equity | $140,085,600 | 541 |
| Average total loans | $786,768,600 | 590 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 1,254 |
| Cost of funding earning assets | 0.2965% | 4,380 |
| Net interest margin | 4.3350% | 897 |
| Noninterest income to average assets | 0.7838% | 1,859 |
| Noninterest expense to average assets | 3.0119% | 2,484 |
| Loan and lease loss provision to assets | 0.1215% | 1,871 |
| Net operating income to assets | 1.0039% | 2,448 |
| Return on assets (ROA) | 1.0128% | 2,505 |
| Pretax return on assets | 1.3967% | 2,025 |
| Return on Equity (ROE) | 8.5175% | 2,817 |
| Retained earnings to average equity (ytd only) | 6.1196% | 2,173 |
| Net charge-offs to loans | 0.1567% | 1,573 |
| Credit loss provision to net charge-offs | 114.8867% | 2,058 |
| Earnings coverage of net charge-offs (x) | 14.2438% | 2,261 |
| Efficiency ratio | 66.6667% | 3,770 |
| Assets per employee ($millions) | 3.7491% | 4,361 |
| Cash dividends to net income (ytd only)* | 28.1532% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 4,271 |
| Loan loss allowance to noncurrent loans | 98.4791% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 2,012 |
| Noncurrent loans to loans | 1.1091% | 2,279 |
| Net loans and leases to total assets | 67.3083% | 2,804 |
| Net loans and leases to deposits | 87.9742% | 1,904 |
| Net loans and leases to core deposits | 93.8315% | 2,093 |
| Total domestic deposits to total assets | 76.5091% | 5,416 |
| Equity capital to assets | 12.0164% | 2,090 |
| Core capital (leverage) ratio | 9.3880% | 4,457 |
| Tier 1 risk-based capital ratio | 12.5431% | 4,727 |
| Total risk-based capital ratio | 13.5835% | 4,772 |
| Memoranda: | ||
| Average total assets | $1,169,007,000 | 609 |
| Average earning assets | $1,006,963,750 | 642 |
| Average equity | $139,003,750 | 545 |
| Average total loans | $788,735,250 | 595 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,394 |
| Cost of funding earning assets | 0.2977% | 4,423 |
| Net interest margin | 4.2565% | 1,005 |
| Noninterest income to average assets | 0.8069% | 1,748 |
| Noninterest expense to average assets | 2.9918% | 2,579 |
| Loan and lease loss provision to assets | 0.1108% | 1,981 |
| Net operating income to assets | 1.0094% | 2,342 |
| Return on assets (ROA) | 1.0167% | 2,414 |
| Pretax return on assets | 1.3853% | 2,045 |
| Return on Equity (ROE) | 8.5810% | 2,756 |
| Retained earnings to average equity (ytd only) | 6.4053% | 1,997 |
| Net charge-offs to loans | 0.1451% | 1,621 |
| Credit loss provision to net charge-offs | 113.5563% | 1,884 |
| Earnings coverage of net charge-offs (x) | 15.2254% | 1,987 |
| Efficiency ratio | 66.8112% | 3,864 |
| Assets per employee ($millions) | 3.6020% | 4,627 |
| Cash dividends to net income (ytd only)* | 25.3550% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 4,372 |
| Loan loss allowance to noncurrent loans | 93.5494% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.2888% | 1,955 |
| Noncurrent loans to loans | 1.1655% | 2,318 |
| Net loans and leases to total assets | 68.8253% | 2,514 |
| Net loans and leases to deposits | 85.3164% | 2,132 |
| Net loans and leases to core deposits | 91.2722% | 2,216 |
| Total domestic deposits to total assets | 80.6707% | 4,698 |
| Equity capital to assets | 12.0400% | 1,997 |
| Core capital (leverage) ratio | 9.3288% | 4,515 |
| Tier 1 risk-based capital ratio | 12.2830% | 4,948 |
| Total risk-based capital ratio | 13.3138% | 5,000 |
| Memoranda: | ||
| Average total assets | $1,163,773,670 | 610 |
| Average earning assets | $1,003,737,330 | 647 |
| Average equity | $137,885,330 | 551 |
| Average total loans | $782,909,670 | 598 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 1,542 |
| Cost of funding earning assets | 0.2964% | 4,482 |
| Net interest margin | 4.1764% | 1,115 |
| Noninterest income to average assets | 0.7632% | 1,849 |
| Noninterest expense to average assets | 2.9480% | 2,744 |
| Loan and lease loss provision to assets | 0.0941% | 2,116 |
| Net operating income to assets | 0.9767% | 2,353 |
| Return on assets (ROA) | 0.9770% | 2,488 |
| Pretax return on assets | 1.3225% | 2,190 |
| Return on Equity (ROE) | 8.3121% | 2,803 |
| Retained earnings to average equity (ytd only) | 5.4017% | 2,834 |
| Net charge-offs to loans | 0.1433% | 1,386 |
| Credit loss provision to net charge-offs | 99.2780% | 1,671 |
| Earnings coverage of net charge-offs (x) | 14.9458% | 1,651 |
| Efficiency ratio | 67.5498% | 3,897 |
| Assets per employee ($millions) | 3.6441% | 4,622 |
| Cash dividends to net income (ytd only)* | 35.0140% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 4,375 |
| Loan loss allowance to noncurrent loans | 115.5929% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.1566% | 2,323 |
| Noncurrent loans to loans | 0.9775% | 2,813 |
| Net loans and leases to total assets | 65.0279% | 2,930 |
| Net loans and leases to deposits | 78.6005% | 2,728 |
| Net loans and leases to core deposits | 84.1751% | 2,750 |
| Total domestic deposits to total assets | 82.7323% | 4,258 |
| Equity capital to assets | 11.9066% | 2,097 |
| Core capital (leverage) ratio | 9.0943% | 4,850 |
| Tier 1 risk-based capital ratio | 12.8838% | 4,673 |
| Total risk-based capital ratio | 13.9823% | 4,688 |
| Memoranda: | ||
| Average total assets | $1,169,339,500 | 603 |
| Average earning assets | $1,008,231,500 | 638 |
| Average equity | $137,439,000 | 551 |
| Average total loans | $773,337,500 | 598 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 1,324 |
| Cost of funding earning assets | 0.3331% | 4,458 |
| Net interest margin | 4.3609% | 949 |
| Noninterest income to average assets | 0.7555% | 2,055 |
| Noninterest expense to average assets | 2.9539% | 2,986 |
| Loan and lease loss provision to assets | 0.1698% | 1,533 |
| Net operating income to assets | 0.9978% | 2,389 |
| Return on assets (ROA) | 1.0031% | 2,446 |
| Pretax return on assets | 1.3740% | 1,983 |
| Return on Equity (ROE) | 9.0801% | 2,549 |
| Retained earnings to average equity (ytd only) | 7.4057% | 1,226 |
| Net charge-offs to loans | 0.2533% | 1,689 |
| Credit loss provision to net charge-offs | 100.6189% | 2,372 |
| Earnings coverage of net charge-offs (x) | 9.1037% | 2,792 |
| Efficiency ratio | 65.7821% | 4,288 |
| Assets per employee ($millions) | 3.7582% | 4,431 |
| Cash dividends to net income (ytd only)* | 18.4398% | 3,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 4,485 |
| Loan loss allowance to noncurrent loans | 145.5095% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.0307% | 2,685 |
| Noncurrent loans to loans | 0.7640% | 3,407 |
| Net loans and leases to total assets | 65.7568% | 2,931 |
| Net loans and leases to deposits | 79.4233% | 2,792 |
| Net loans and leases to core deposits | 84.8487% | 2,799 |
| Total domestic deposits to total assets | 82.7928% | 4,149 |
| Equity capital to assets | 11.6014% | 2,343 |
| Core capital (leverage) ratio | 8.8530% | 5,178 |
| Tier 1 risk-based capital ratio | 12.8363% | 4,832 |
| Total risk-based capital ratio | 13.9513% | 4,829 |
| Memoranda: | ||
| Average total assets | $1,148,827,400 | 589 |
| Average earning assets | $983,935,600 | 620 |
| Average equity | $126,915,200 | 573 |
| Average total loans | $765,610,600 | 572 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 1,347 |
| Cost of funding earning assets | 0.3390% | 4,478 |
| Net interest margin | 4.3448% | 966 |
| Noninterest income to average assets | 0.6975% | 2,338 |
| Noninterest expense to average assets | 2.9399% | 2,993 |
| Loan and lease loss provision to assets | 0.1634% | 1,519 |
| Net operating income to assets | 0.9912% | 2,490 |
| Return on assets (ROA) | 0.9984% | 2,523 |
| Pretax return on assets | 1.3207% | 2,302 |
| Return on Equity (ROE) | 9.1550% | 2,602 |
| Retained earnings to average equity (ytd only) | 6.8817% | 1,882 |
| Net charge-offs to loans | 0.2666% | 1,466 |
| Credit loss provision to net charge-offs | 91.9291% | 2,398 |
| Earnings coverage of net charge-offs (x) | 8.2946% | 2,825 |
| Efficiency ratio | 66.5953% | 4,120 |
| Assets per employee ($millions) | 3.7404% | 4,414 |
| Cash dividends to net income (ytd only)* | 24.8305% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 4,896 |
| Loan loss allowance to noncurrent loans | 126.9294% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.1163% | 2,720 |
| Noncurrent loans to loans | 0.8409% | 3,469 |
| Net loans and leases to total assets | 67.9310% | 2,547 |
| Net loans and leases to deposits | 87.3886% | 1,743 |
| Net loans and leases to core deposits | 94.0039% | 1,862 |
| Total domestic deposits to total assets | 77.7344% | 5,579 |
| Equity capital to assets | 11.2450% | 2,705 |
| Core capital (leverage) ratio | 8.5481% | 5,598 |
| Tier 1 risk-based capital ratio | 12.0713% | 5,440 |
| Total risk-based capital ratio | 13.1447% | 5,478 |
| Memoranda: | ||
| Average total assets | $1,142,895,000 | 588 |
| Average earning assets | $977,795,500 | 614 |
| Average equity | $124,635,750 | 584 |
| Average total loans | $762,087,250 | 573 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 1,524 |
| Cost of funding earning assets | 0.3432% | 4,505 |
| Net interest margin | 4.2596% | 1,112 |
| Noninterest income to average assets | 0.6738% | 2,412 |
| Noninterest expense to average assets | 2.9280% | 3,076 |
| Loan and lease loss provision to assets | 0.1407% | 1,758 |
| Net operating income to assets | 0.9174% | 2,718 |
| Return on assets (ROA) | 0.9278% | 2,774 |
| Pretax return on assets | 1.2575% | 2,423 |
| Return on Equity (ROE) | 8.5985% | 2,790 |
| Retained earnings to average equity (ytd only) | 5.1392% | 2,871 |
| Net charge-offs to loans | 0.2100% | 1,767 |
| Credit loss provision to net charge-offs | 101.5209% | 1,956 |
| Earnings coverage of net charge-offs (x) | 9.9873% | 2,292 |
| Efficiency ratio | 67.9009% | 4,026 |
| Assets per employee ($millions) | 3.7036% | 4,450 |
| Cash dividends to net income (ytd only)* | 40.2310% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 4,885 |
| Loan loss allowance to noncurrent loans | 107.0540% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.3011% | 2,509 |
| Noncurrent loans to loans | 1.0323% | 3,173 |
| Net loans and leases to total assets | 67.2903% | 2,534 |
| Net loans and leases to deposits | 85.1812% | 1,904 |
| Net loans and leases to core deposits | 91.5638% | 1,967 |
| Total domestic deposits to total assets | 78.9967% | 5,457 |
| Equity capital to assets | 11.0135% | 2,866 |
| Core capital (leverage) ratio | 8.5084% | 5,631 |
| Tier 1 risk-based capital ratio | 11.7892% | 5,645 |
| Total risk-based capital ratio | 12.8921% | 5,671 |
| Memoranda: | ||
| Average total assets | $1,138,603,330 | 591 |
| Average earning assets | $972,529,330 | 618 |
| Average equity | $122,859,000 | 591 |
| Average total loans | $751,584,330 | 577 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 1,596 |
| Cost of funding earning assets | 0.3032% | 5,028 |
| Net interest margin | 4.2630% | 1,074 |
| Noninterest income to average assets | 0.6114% | 2,668 |
| Noninterest expense to average assets | 2.9061% | 3,182 |
| Loan and lease loss provision to assets | 0.1765% | 1,366 |
| Net operating income to assets | 0.8711% | 2,786 |
| Return on assets (ROA) | 0.8745% | 2,841 |
| Pretax return on assets | 1.1683% | 2,627 |
| Return on Equity (ROE) | 8.1901% | 2,844 |
| Retained earnings to average equity (ytd only) | 4.8916% | 3,177 |
| Net charge-offs to loans | 0.0981% | 2,186 |
| Credit loss provision to net charge-offs | 276.7956% | 840 |
| Earnings coverage of net charge-offs (x) | 21.0221% | 1,311 |
| Efficiency ratio | 68.4390% | 4,106 |
| Assets per employee ($millions) | 3.6739% | 4,579 |
| Cash dividends to net income (ytd only)* | 40.2739% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 4,575 |
| Loan loss allowance to noncurrent loans | 117.2455% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4232% | 2,491 |
| Noncurrent loans to loans | 1.0357% | 3,354 |
| Net loans and leases to total assets | 64.7065% | 2,775 |
| Net loans and leases to deposits | 78.2488% | 2,515 |
| Net loans and leases to core deposits | 83.7567% | 2,544 |
| Total domestic deposits to total assets | 82.6933% | 4,718 |
| Equity capital to assets | 10.9743% | 2,738 |
| Core capital (leverage) ratio | 8.3248% | 5,826 |
| Tier 1 risk-based capital ratio | 12.0510% | 5,610 |
| Total risk-based capital ratio | 13.2404% | 5,584 |
| Memoranda: | ||
| Average total assets | $1,135,696,000 | 595 |
| Average earning assets | $968,340,000 | 629 |
| Average equity | $121,268,500 | 598 |
| Average total loans | $738,033,000 | 588 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 1,950 |
| Cost of funding earning assets | 0.3904% | 4,751 |
| Net interest margin | 4.1825% | 1,410 |
| Noninterest income to average assets | 0.7530% | 2,279 |
| Noninterest expense to average assets | 3.0082% | 3,031 |
| Loan and lease loss provision to assets | 0.2771% | 1,260 |
| Net operating income to assets | 0.8240% | 3,164 |
| Return on assets (ROA) | 0.8276% | 3,231 |
| Pretax return on assets | 1.0755% | 3,049 |
| Return on Equity (ROE) | 7.9301% | 3,065 |
| Retained earnings to average equity (ytd only) | 4.7540% | 2,766 |
| Net charge-offs to loans | 0.3411% | 1,975 |
| Credit loss provision to net charge-offs | 130.3191% | 1,800 |
| Earnings coverage of net charge-offs (x) | 6.3400% | 3,084 |
| Efficiency ratio | 69.0558% | 4,003 |
| Assets per employee ($millions) | 3.7733% | 4,322 |
| Cash dividends to net income (ytd only)* | 40.0505% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 4,876 |
| Loan loss allowance to noncurrent loans | 111.9463% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.4013% | 2,647 |
| Noncurrent loans to loans | 1.0344% | 3,442 |
| Net loans and leases to total assets | 63.7352% | 3,087 |
| Net loans and leases to deposits | 76.5744% | 2,904 |
| Net loans and leases to core deposits | 81.4299% | 2,962 |
| Total domestic deposits to total assets | 83.2331% | 4,457 |
| Equity capital to assets | 10.3893% | 3,299 |
| Core capital (leverage) ratio | 7.8666% | 6,213 |
| Tier 1 risk-based capital ratio | 11.7763% | 5,760 |
| Total risk-based capital ratio | 12.9156% | 5,753 |
| Memoranda: | ||
| Average total assets | $1,149,498,400 | 573 |
| Average earning assets | $990,273,200 | 603 |
| Average equity | $119,961,000 | 594 |
| Average total loans | $716,596,600 | 589 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 2,200 |
| Cost of funding earning assets | 0.4113% | 4,709 |
| Net interest margin | 4.0972% | 1,641 |
| Noninterest income to average assets | 0.6479% | 2,895 |
| Noninterest expense to average assets | 3.0205% | 2,921 |
| Loan and lease loss provision to assets | 0.2913% | 1,178 |
| Net operating income to assets | 0.7107% | 3,804 |
| Return on assets (ROA) | 0.7156% | 3,911 |
| Pretax return on assets | 0.8820% | 3,956 |
| Return on Equity (ROE) | 6.8497% | 3,737 |
| Retained earnings to average equity (ytd only) | 3.7292% | 4,042 |
| Net charge-offs to loans | 0.4359% | 1,472 |
| Credit loss provision to net charge-offs | 108.1395% | 2,168 |
| Earnings coverage of net charge-offs (x) | 4.3325% | 3,466 |
| Efficiency ratio | 72.1276% | 3,381 |
| Assets per employee ($millions) | 3.8028% | 4,235 |
| Cash dividends to net income (ytd only)* | 45.5577% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 5,459 |
| Loan loss allowance to noncurrent loans | 107.7036% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 3,303 |
| Noncurrent loans to loans | 0.9900% | 3,831 |
| Net loans and leases to total assets | 62.7019% | 3,219 |
| Net loans and leases to deposits | 83.2616% | 1,968 |
| Net loans and leases to core deposits | 88.8315% | 2,095 |
| Total domestic deposits to total assets | 75.3071% | 6,247 |
| Equity capital to assets | 9.8627% | 4,094 |
| Core capital (leverage) ratio | 7.6569% | 6,387 |
| Tier 1 risk-based capital ratio | 11.2945% | 6,150 |
| Total risk-based capital ratio | 12.3517% | 6,198 |
| Memoranda: | ||
| Average total assets | $1,149,159,500 | 575 |
| Average earning assets | $992,809,250 | 605 |
| Average equity | $120,059,750 | 601 |
| Average total loans | $710,222,750 | 591 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 2,430 |
| Cost of funding earning assets | 0.3643% | 5,279 |
| Net interest margin | 4.0731% | 1,622 |
| Noninterest income to average assets | 0.6726% | 2,779 |
| Noninterest expense to average assets | 3.1132% | 2,625 |
| Loan and lease loss provision to assets | 0.2793% | 1,313 |
| Net operating income to assets | 0.6939% | 3,832 |
| Return on assets (ROA) | 0.7021% | 3,966 |
| Pretax return on assets | 0.8108% | 4,270 |
| Return on Equity (ROE) | 6.5900% | 3,835 |
| Retained earnings to average equity (ytd only) | 2.7623% | 4,557 |
| Net charge-offs to loans | 0.3398% | 1,824 |
| Credit loss provision to net charge-offs | 134.1815% | 1,689 |
| Earnings coverage of net charge-offs (x) | 5.1925% | 2,950 |
| Efficiency ratio | 74.2308% | 3,084 |
| Assets per employee ($millions) | 3.7352% | 4,334 |
| Cash dividends to net income (ytd only)* | 58.0840% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 5,267 |
| Loan loss allowance to noncurrent loans | 104.7732% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 3,286 |
| Noncurrent loans to loans | 1.0916% | 3,752 |
| Net loans and leases to total assets | 61.2428% | 3,438 |
| Net loans and leases to deposits | 79.7340% | 2,363 |
| Net loans and leases to core deposits | 84.5905% | 2,478 |
| Total domestic deposits to total assets | 76.8089% | 6,148 |
| Equity capital to assets | 9.9488% | 3,975 |
| Core capital (leverage) ratio | 7.7750% | 6,322 |
| Tier 1 risk-based capital ratio | 11.3002% | 6,204 |
| Total risk-based capital ratio | 12.4148% | 6,234 |
| Memoranda: | ||
| Average total assets | $1,132,919,330 | 581 |
| Average earning assets | $979,459,000 | 617 |
| Average equity | $120,698,670 | 596 |
| Average total loans | $693,900,670 | 601 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 2,513 |
| Cost of funding earning assets | 0.3811% | 5,274 |
| Net interest margin | 4.0214% | 1,703 |
| Noninterest income to average assets | 0.6116% | 3,075 |
| Noninterest expense to average assets | 3.0335% | 2,885 |
| Loan and lease loss provision to assets | 0.2788% | 1,260 |
| Net operating income to assets | 0.6043% | 4,190 |
| Return on assets (ROA) | 0.6159% | 4,297 |
| Pretax return on assets | 0.7966% | 4,182 |
| Return on Equity (ROE) | 5.5847% | 4,272 |
| Retained earnings to average equity (ytd only) | 2.1188% | 4,945 |
| Net charge-offs to loans | 0.5711% | 1,066 |
| Credit loss provision to net charge-offs | 80.1867% | 2,152 |
| Earnings coverage of net charge-offs (x) | 3.0498% | 2,859 |
| Efficiency ratio | 74.1015% | 3,246 |
| Assets per employee ($millions) | 3.5397% | 4,897 |
| Cash dividends to net income (ytd only)* | 62.0609% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 5,380 |
| Loan loss allowance to noncurrent loans | 116.5872% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.2613% | 3,459 |
| Noncurrent loans to loans | 0.9911% | 4,146 |
| Net loans and leases to total assets | 60.7898% | 3,293 |
| Net loans and leases to deposits | 72.4441% | 3,127 |
| Net loans and leases to core deposits | 75.7728% | 3,353 |
| Total domestic deposits to total assets | 83.9127% | 4,516 |
| Equity capital to assets | 11.0930% | 2,858 |
| Core capital (leverage) ratio | 7.8719% | 6,242 |
| Tier 1 risk-based capital ratio | 11.8712% | 5,988 |
| Total risk-based capital ratio | 12.9798% | 6,048 |
| Memoranda: | ||
| Average total assets | $1,109,210,500 | 602 |
| Average earning assets | $960,472,000 | 630 |
| Average equity | $122,333,500 | 594 |
| Average total loans | $675,233,500 | 623 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6928% | 2,629 |
| Cost of funding earning assets | 0.5891% | 4,453 |
| Net interest margin | 4.1037% | 1,987 |
| Noninterest income to average assets | 0.8486% | 2,048 |
| Noninterest expense to average assets | 3.0013% | 3,268 |
| Loan and lease loss provision to assets | 0.3387% | 1,983 |
| Net operating income to assets | 0.7963% | 3,305 |
| Return on assets (ROA) | 0.9714% | 2,687 |
| Pretax return on assets | 1.3072% | 2,368 |
| Return on Equity (ROE) | 8.9516% | 2,662 |
| Retained earnings to average equity (ytd only) | 4.5345% | 3,034 |
| Net charge-offs to loans | 0.4086% | 2,622 |
| Credit loss provision to net charge-offs | 143.5146% | 1,900 |
| Earnings coverage of net charge-offs (x) | 5.9711% | 2,905 |
| Efficiency ratio | 68.0500% | 4,133 |
| Assets per employee ($millions) | 3.4708% | 5,072 |
| Cash dividends to net income (ytd only)* | 49.3439% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 5,145 |
| Loan loss allowance to noncurrent loans | 113.6068% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 3,729 |
| Noncurrent loans to loans | 1.0498% | 4,105 |
| Net loans and leases to total assets | 59.5405% | 3,678 |
| Net loans and leases to deposits | 70.9337% | 3,569 |
| Net loans and leases to core deposits | 75.0829% | 3,648 |
| Total domestic deposits to total assets | 83.9383% | 4,341 |
| Equity capital to assets | 10.9657% | 2,991 |
| Core capital (leverage) ratio | 7.7522% | 6,369 |
| Tier 1 risk-based capital ratio | 11.9816% | 5,803 |
| Total risk-based capital ratio | 13.1394% | 5,809 |
| Memoranda: | ||
| Average total assets | $1,114,016,600 | 591 |
| Average earning assets | $966,899,200 | 614 |
| Average equity | $120,894,800 | 593 |
| Average total loans | $643,353,800 | 645 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 2,671 |
| Cost of funding earning assets | 0.6376% | 4,296 |
| Net interest margin | 4.0925% | 2,114 |
| Noninterest income to average assets | 0.7211% | 2,616 |
| Noninterest expense to average assets | 2.9414% | 3,439 |
| Loan and lease loss provision to assets | 0.3599% | 1,806 |
| Net operating income to assets | 0.6866% | 3,971 |
| Return on assets (ROA) | 0.9205% | 3,103 |
| Pretax return on assets | 1.3027% | 2,600 |
| Return on Equity (ROE) | 8.5046% | 3,044 |
| Retained earnings to average equity (ytd only) | 4.3657% | 3,815 |
| Net charge-offs to loans | 0.3984% | 2,500 |
| Credit loss provision to net charge-offs | 158.1579% | 1,773 |
| Earnings coverage of net charge-offs (x) | 5.8584% | 2,910 |
| Efficiency ratio | 68.8102% | 3,910 |
| Assets per employee ($millions) | 3.4238% | 5,152 |
| Cash dividends to net income (ytd only)* | 48.6662% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 5,334 |
| Loan loss allowance to noncurrent loans | 114.6114% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 3,910 |
| Noncurrent loans to loans | 1.0374% | 4,372 |
| Net loans and leases to total assets | 61.0129% | 3,570 |
| Net loans and leases to deposits | 73.0823% | 3,438 |
| Net loans and leases to core deposits | 78.8312% | 3,346 |
| Total domestic deposits to total assets | 83.4852% | 4,443 |
| Equity capital to assets | 11.1853% | 3,054 |
| Core capital (leverage) ratio | 7.8633% | 6,431 |
| Tier 1 risk-based capital ratio | 11.9279% | 5,975 |
| Total risk-based capital ratio | 13.0964% | 6,011 |
| Memoranda: | ||
| Average total assets | $1,113,124,500 | 595 |
| Average earning assets | $966,546,750 | 615 |
| Average equity | $120,480,750 | 595 |
| Average total loans | $635,830,250 | 653 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 3,611 |
| Cost of funding earning assets | 0.6820% | 4,169 |
| Net interest margin | 3.8571% | 3,105 |
| Noninterest income to average assets | 0.7188% | 2,558 |
| Noninterest expense to average assets | 2.9169% | 3,558 |
| Loan and lease loss provision to assets | 0.2827% | 2,312 |
| Net operating income to assets | 0.6304% | 4,226 |
| Return on assets (ROA) | 0.9828% | 2,770 |
| Pretax return on assets | 1.3606% | 2,347 |
| Return on Equity (ROE) | 9.1798% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.2809% | 2,515 |
| Net charge-offs to loans | 0.2822% | 2,907 |
| Credit loss provision to net charge-offs | 180.1136% | 1,565 |
| Earnings coverage of net charge-offs (x) | 7.3511% | 2,494 |
| Efficiency ratio | 71.6545% | 3,490 |
| Assets per employee ($millions) | 3.3640% | 5,290 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 4,994 |
| Loan loss allowance to noncurrent loans | 102.9347% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2250% | 3,965 |
| Noncurrent loans to loans | 1.2418% | 4,064 |
| Net loans and leases to total assets | 59.8368% | 3,855 |
| Net loans and leases to deposits | 71.7170% | 3,650 |
| Net loans and leases to core deposits | 77.8752% | 3,537 |
| Total domestic deposits to total assets | 83.4345% | 4,561 |
| Equity capital to assets | 11.1720% | 2,926 |
| Core capital (leverage) ratio | 7.7476% | 6,482 |
| Tier 1 risk-based capital ratio | 12.0644% | 5,884 |
| Total risk-based capital ratio | 13.3119% | 5,865 |
| Memoranda: | ||
| Average total assets | $1,121,240,670 | 590 |
| Average earning assets | $974,421,670 | 610 |
| Average equity | $120,046,670 | 595 |
| Average total loans | $623,678,000 | 669 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 4,127 |
| Cost of funding earning assets | 0.7366% | 3,973 |
| Net interest margin | 3.7109% | 3,780 |
| Noninterest income to average assets | 0.7121% | 2,600 |
| Noninterest expense to average assets | 2.8766% | 3,721 |
| Loan and lease loss provision to assets | 0.2055% | 2,897 |
| Net operating income to assets | 0.6469% | 4,133 |
| Return on assets (ROA) | 0.7107% | 4,051 |
| Pretax return on assets | 0.9433% | 3,892 |
| Return on Equity (ROE) | 6.7787% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.4614% | 4,503 |
| Net charge-offs to loans | 0.1537% | 3,172 |
| Credit loss provision to net charge-offs | 251.0730% | 1,136 |
| Earnings coverage of net charge-offs (x) | 12.9957% | 1,562 |
| Efficiency ratio | 73.0029% | 3,255 |
| Assets per employee ($millions) | 3.6105% | 4,855 |
| Cash dividends to net income (ytd only)* | 48.9372% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 4,830 |
| Loan loss allowance to noncurrent loans | 86.4231% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 3,708 |
| Noncurrent loans to loans | 1.5544% | 3,781 |
| Net loans and leases to total assets | 52.4116% | 4,961 |
| Net loans and leases to deposits | 62.3124% | 4,869 |
| Net loans and leases to core deposits | 69.4350% | 4,511 |
| Total domestic deposits to total assets | 84.1109% | 4,435 |
| Equity capital to assets | 10.5849% | 3,393 |
| Core capital (leverage) ratio | 7.2246% | 6,753 |
| Tier 1 risk-based capital ratio | 12.0242% | 5,947 |
| Total risk-based capital ratio | 13.2568% | 5,942 |
| Memoranda: | ||
| Average total assets | $1,138,577,000 | 581 |
| Average earning assets | $990,491,500 | 599 |
| Average equity | $119,374,500 | 599 |
| Average total loans | $606,224,500 | 683 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 2,594 |
| Cost of funding earning assets | 0.9362% | 3,827 |
| Net interest margin | 4.1264% | 2,325 |
| Noninterest income to average assets | 0.7964% | 2,082 |
| Noninterest expense to average assets | 3.0973% | 3,207 |
| Loan and lease loss provision to assets | 0.3500% | 2,900 |
| Net operating income to assets | 0.7216% | 3,380 |
| Return on assets (ROA) | 0.7172% | 3,579 |
| Pretax return on assets | 0.9165% | 3,556 |
| Return on Equity (ROE) | 6.8694% | 3,455 |
| Retained earnings to average equity (ytd only) | 3.1262% | 3,999 |
| Net charge-offs to loans | 0.3902% | 3,466 |
| Credit loss provision to net charge-offs | 157.7328% | 1,767 |
| Earnings coverage of net charge-offs (x) | 5.7328% | 2,698 |
| Efficiency ratio | 70.8852% | 3,799 |
| Assets per employee ($millions) | 3.5403% | 4,914 |
| Cash dividends to net income (ytd only)* | 54.4908% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 5,110 |
| Loan loss allowance to noncurrent loans | 79.1483% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.4639% | 3,778 |
| Noncurrent loans to loans | 1.5921% | 3,774 |
| Net loans and leases to total assets | 52.6887% | 5,205 |
| Net loans and leases to deposits | 62.4585% | 5,176 |
| Net loans and leases to core deposits | 71.4091% | 4,604 |
| Total domestic deposits to total assets | 84.3580% | 4,161 |
| Equity capital to assets | 10.3856% | 3,674 |
| Core capital (leverage) ratio | 7.0732% | 6,841 |
| Tier 1 risk-based capital ratio | 11.7460% | 5,997 |
| Total risk-based capital ratio | 12.9129% | 6,034 |
| Memoranda: | ||
| Average total assets | $1,113,071,000 | 590 |
| Average earning assets | $963,822,600 | 616 |
| Average equity | $116,211,800 | 594 |
| Average total loans | $633,005,800 | 648 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1906% | 2,240 |
| Cost of funding earning assets | 0.9673% | 3,916 |
| Net interest margin | 4.2232% | 2,009 |
| Noninterest income to average assets | 0.8666% | 1,765 |
| Noninterest expense to average assets | 2.9880% | 3,596 |
| Loan and lease loss provision to assets | 0.3723% | 2,620 |
| Net operating income to assets | 0.8862% | 2,794 |
| Return on assets (ROA) | 0.8795% | 2,968 |
| Pretax return on assets | 1.1501% | 2,821 |
| Return on Equity (ROE) | 8.4120% | 2,868 |
| Retained earnings to average equity (ytd only) | 4.8329% | 3,294 |
| Net charge-offs to loans | 0.3881% | 3,174 |
| Credit loss provision to net charge-offs | 165.9849% | 1,836 |
| Earnings coverage of net charge-offs (x) | 6.8272% | 2,478 |
| Efficiency ratio | 66.1182% | 4,696 |
| Assets per employee ($millions) | 3.4859% | 5,038 |
| Cash dividends to net income (ytd only)* | 42.5474% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,756 |
| Loan loss allowance to noncurrent loans | 71.7643% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 3,808 |
| Noncurrent loans to loans | 1.5792% | 3,929 |
| Net loans and leases to total assets | 57.8518% | 4,535 |
| Net loans and leases to deposits | 71.5388% | 4,057 |
| Net loans and leases to core deposits | 82.5168% | 3,251 |
| Total domestic deposits to total assets | 80.8677% | 5,476 |
| Equity capital to assets | 10.6105% | 3,560 |
| Core capital (leverage) ratio | 7.2307% | 6,890 |
| Tier 1 risk-based capital ratio | 11.0895% | 6,486 |
| Total risk-based capital ratio | 12.1550% | 6,580 |
| Memoranda: | ||
| Average total assets | $1,104,574,250 | 600 |
| Average earning assets | $955,326,750 | 630 |
| Average equity | $115,482,500 | 602 |
| Average total loans | $638,236,500 | 655 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2286% | 2,156 |
| Cost of funding earning assets | 0.9967% | 3,973 |
| Net interest margin | 4.2319% | 1,910 |
| Noninterest income to average assets | 0.9590% | 1,433 |
| Noninterest expense to average assets | 3.0261% | 3,536 |
| Loan and lease loss provision to assets | 0.4336% | 2,258 |
| Net operating income to assets | 0.8855% | 2,710 |
| Return on assets (ROA) | 0.8773% | 2,841 |
| Pretax return on assets | 1.1531% | 2,661 |
| Return on Equity (ROE) | 8.4349% | 2,750 |
| Retained earnings to average equity (ytd only) | 4.7477% | 3,160 |
| Net charge-offs to loans | 0.3159% | 3,291 |
| Credit loss provision to net charge-offs | 238.5930% | 1,265 |
| Earnings coverage of net charge-offs (x) | 8.7910% | 2,007 |
| Efficiency ratio | 65.4501% | 4,977 |
| Assets per employee ($millions) | 3.3893% | 5,228 |
| Cash dividends to net income (ytd only)* | 43.7136% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,707 |
| Loan loss allowance to noncurrent loans | 54.4808% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 1.5702% | 3,841 |
| Noncurrent loans to loans | 2.1344% | 3,306 |
| Net loans and leases to total assets | 58.2579% | 4,582 |
| Net loans and leases to deposits | 72.3495% | 4,062 |
| Net loans and leases to core deposits | 83.4439% | 3,300 |
| Total domestic deposits to total assets | 80.5229% | 5,677 |
| Equity capital to assets | 10.4725% | 3,543 |
| Core capital (leverage) ratio | 7.2539% | 6,890 |
| Tier 1 risk-based capital ratio | 11.0105% | 6,524 |
| Total risk-based capital ratio | 12.1108% | 6,590 |
| Memoranda: | ||
| Average total assets | $1,095,128,000 | 613 |
| Average earning assets | $948,327,330 | 640 |
| Average equity | $113,907,330 | 611 |
| Average total loans | $630,007,330 | 679 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4739% | 1,370 |
| Cost of funding earning assets | 1.0422% | 3,908 |
| Net interest margin | 4.4317% | 1,213 |
| Noninterest income to average assets | 1.2984% | 760 |
| Noninterest expense to average assets | 3.1001% | 3,242 |
| Loan and lease loss provision to assets | 0.6882% | 1,231 |
| Net operating income to assets | 1.0195% | 2,114 |
| Return on assets (ROA) | 1.0119% | 2,198 |
| Pretax return on assets | 1.3339% | 1,929 |
| Return on Equity (ROE) | 9.7635% | 2,184 |
| Retained earnings to average equity (ytd only) | 6.5577% | 2,343 |
| Net charge-offs to loans | 0.4778% | 2,279 |
| Credit loss provision to net charge-offs | 253.6054% | 1,229 |
| Earnings coverage of net charge-offs (x) | 7.4884% | 1,941 |
| Efficiency ratio | 60.4057% | 5,924 |
| Assets per employee ($millions) | 3.2681% | 5,559 |
| Cash dividends to net income (ytd only)* | 32.8347% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 5,631 |
| Loan loss allowance to noncurrent loans | 57.2930% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.5074% | 3,994 |
| Noncurrent loans to loans | 2.0961% | 3,446 |
| Net loans and leases to total assets | 56.0639% | 4,984 |
| Net loans and leases to deposits | 66.6289% | 4,887 |
| Net loans and leases to core deposits | 77.3614% | 4,106 |
| Total domestic deposits to total assets | 84.1435% | 4,434 |
| Equity capital to assets | 10.4289% | 3,257 |
| Core capital (leverage) ratio | 7.2612% | 6,885 |
| Tier 1 risk-based capital ratio | 11.0765% | 6,453 |
| Total risk-based capital ratio | 12.1595% | 6,546 |
| Memoranda: | ||
| Average total assets | $1,083,463,000 | 627 |
| Average earning assets | $937,241,000 | 648 |
| Average equity | $112,296,000 | 610 |
| Average total loans | $615,383,000 | 699 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6302% | 1,797 |
| Cost of funding earning assets | 1.3092% | 3,822 |
| Net interest margin | 4.3210% | 1,752 |
| Noninterest income to average assets | 1.0662% | 1,316 |
| Noninterest expense to average assets | 3.2772% | 2,805 |
| Loan and lease loss provision to assets | 0.3778% | 3,854 |
| Net operating income to assets | 0.8430% | 2,621 |
| Return on assets (ROA) | 0.8811% | 2,602 |
| Pretax return on assets | 1.2175% | 2,169 |
| Return on Equity (ROE) | 8.7820% | 2,384 |
| Retained earnings to average equity (ytd only) | 3.3544% | 3,521 |
| Net charge-offs to loans | 0.6079% | 3,212 |
| Credit loss provision to net charge-offs | 106.2346% | 4,206 |
| Earnings coverage of net charge-offs (x) | 4.3372% | 2,964 |
| Efficiency ratio | 67.9983% | 4,566 |
| Assets per employee ($millions) | 3.3814% | 5,214 |
| Cash dividends to net income (ytd only)* | 61.8033% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 5,297 |
| Loan loss allowance to noncurrent loans | 53.9086% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5495% | 3,992 |
| Noncurrent loans to loans | 2.3114% | 3,208 |
| Net loans and leases to total assets | 56.1423% | 5,322 |
| Net loans and leases to deposits | 65.9676% | 5,405 |
| Net loans and leases to core deposits | 77.0868% | 4,581 |
| Total domestic deposits to total assets | 85.1059% | 3,793 |
| Equity capital to assets | 10.2996% | 3,388 |
| Core capital (leverage) ratio | 7.1640% | 6,932 |
| Tier 1 risk-based capital ratio | 10.8026% | 6,487 |
| Total risk-based capital ratio | 11.9179% | 6,561 |
| Memoranda: | ||
| Average total assets | $1,028,370,800 | 655 |
| Average earning assets | $893,264,400 | 676 |
| Average equity | $103,176,800 | 656 |
| Average total loans | $601,581,000 | 741 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6553% | 1,867 |
| Cost of funding earning assets | 1.3592% | 3,837 |
| Net interest margin | 4.2962% | 1,860 |
| Noninterest income to average assets | 1.0906% | 1,201 |
| Noninterest expense to average assets | 3.2800% | 2,633 |
| Loan and lease loss provision to assets | 0.2565% | 4,528 |
| Net operating income to assets | 0.9432% | 2,443 |
| Return on assets (ROA) | 0.9615% | 2,494 |
| Pretax return on assets | 1.3153% | 2,125 |
| Return on Equity (ROE) | 9.6509% | 2,268 |
| Retained earnings to average equity (ytd only) | 6.8841% | 1,911 |
| Net charge-offs to loans | 0.2345% | 4,536 |
| Credit loss provision to net charge-offs | 185.5651% | 1,942 |
| Earnings coverage of net charge-offs (x) | 11.1909% | 1,814 |
| Efficiency ratio | 67.9547% | 4,471 |
| Assets per employee ($millions) | 3.3267% | 5,391 |
| Cash dividends to net income (ytd only)* | 28.6689% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 4,484 |
| Loan loss allowance to noncurrent loans | 115.3116% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 4,916 |
| Noncurrent loans to loans | 1.2107% | 4,825 |
| Net loans and leases to total assets | 60.8768% | 4,743 |
| Net loans and leases to deposits | 73.3895% | 4,619 |
| Net loans and leases to core deposits | 88.7225% | 3,283 |
| Total domestic deposits to total assets | 82.9502% | 4,612 |
| Equity capital to assets | 10.8263% | 3,142 |
| Core capital (leverage) ratio | 7.3477% | 6,974 |
| Tier 1 risk-based capital ratio | 10.6614% | 6,664 |
| Total risk-based capital ratio | 11.9120% | 6,653 |
| Memoranda: | ||
| Average total assets | $1,015,798,000 | 653 |
| Average earning assets | $883,368,500 | 682 |
| Average equity | $101,196,500 | 657 |
| Average total loans | $598,669,500 | 744 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6672% | 1,882 |
| Cost of funding earning assets | 1.4075% | 3,829 |
| Net interest margin | 4.2598% | 1,925 |
| Noninterest income to average assets | 1.2764% | 790 |
| Noninterest expense to average assets | 3.2719% | 2,654 |
| Loan and lease loss provision to assets | 0.2487% | 4,437 |
| Net operating income to assets | 1.0745% | 1,932 |
| Return on assets (ROA) | 1.0735% | 2,012 |
| Pretax return on assets | 1.4597% | 1,673 |
| Return on Equity (ROE) | 11.1207% | 1,709 |
| Retained earnings to average equity (ytd only) | 9.0432% | 1,093 |
| Net charge-offs to loans | 0.2748% | 3,965 |
| Credit loss provision to net charge-offs | 156.1713% | 2,527 |
| Earnings coverage of net charge-offs (x) | 10.7380% | 1,851 |
| Efficiency ratio | 65.6791% | 5,040 |
| Assets per employee ($millions) | 3.4272% | 5,099 |
| Cash dividends to net income (ytd only)* | 18.6811% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 4,578 |
| Loan loss allowance to noncurrent loans | 118.8090% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.9859% | 5,162 |
| Noncurrent loans to loans | 1.1531% | 5,032 |
| Net loans and leases to total assets | 59.7921% | 5,103 |
| Net loans and leases to deposits | 71.8025% | 5,023 |
| Net loans and leases to core deposits | 84.1959% | 4,117 |
| Total domestic deposits to total assets | 83.2731% | 4,455 |
| Equity capital to assets | 10.4638% | 3,460 |
| Core capital (leverage) ratio | 7.0939% | 7,137 |
| Tier 1 risk-based capital ratio | 10.2092% | 6,903 |
| Total risk-based capital ratio | 11.4593% | 6,881 |
| Memoranda: | ||
| Average total assets | $997,330,000 | 660 |
| Average earning assets | $867,511,670 | 691 |
| Average equity | $96,271,330 | 683 |
| Average total loans | $577,777,330 | 788 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6113% | 2,101 |
| Cost of funding earning assets | 1.2925% | 4,858 |
| Net interest margin | 4.3188% | 1,635 |
| Noninterest income to average assets | 1.1746% | 888 |
| Noninterest expense to average assets | 3.4916% | 2,002 |
| Loan and lease loss provision to assets | 0.3064% | 3,587 |
| Net operating income to assets | 0.8527% | 2,744 |
| Return on assets (ROA) | 0.8523% | 2,836 |
| Pretax return on assets | 1.1304% | 2,628 |
| Return on Equity (ROE) | 9.5218% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.5218% | 1,265 |
| Net charge-offs to loans | 0.2176% | 3,621 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 10.0516% | 1,785 |
| Efficiency ratio | 70.8381% | 4,150 |
| Assets per employee ($millions) | 2.9414% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 3,503 |
| Loan loss allowance to noncurrent loans | 92.0703% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.5270% | 4,211 |
| Noncurrent loans to loans | 1.7247% | 4,155 |
| Net loans and leases to total assets | 64.4475% | 4,233 |
| Net loans and leases to deposits | 77.0692% | 4,212 |
| Net loans and leases to core deposits | 88.6183% | 3,548 |
| Total domestic deposits to total assets | 83.6228% | 4,332 |
| Equity capital to assets | 9.1289% | 5,091 |
| Core capital (leverage) ratio | 6.6426% | 7,415 |
| Tier 1 risk-based capital ratio | 9.1201% | 7,455 |
| Total risk-based capital ratio | 10.3729% | 7,461 |
| Memoranda: | ||
| Average total assets | $704,901,500 | 975 |
| Average earning assets | $612,765,500 | 1,023 |
| Average equity | $63,097,500 | 1,061 |
| Average total loans | $463,267,000 | 1,016 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6337% | 3,420 |
| Cost of funding earning assets | 1.4118% | 5,884 |
| Net interest margin | 4.2219% | 2,000 |
| Noninterest income to average assets | 0.9273% | 1,842 |
| Noninterest expense to average assets | 3.3390% | 2,876 |
| Loan and lease loss provision to assets | 0.3316% | 4,824 |
| Net operating income to assets | 0.6929% | 2,963 |
| Return on assets (ROA) | 0.7238% | 2,912 |
| Pretax return on assets | 0.9777% | 2,665 |
| Return on Equity (ROE) | 7.0787% | 2,762 |
| Retained earnings to average equity (ytd only) | -14.4703% | 6,849 |
| Net charge-offs to loans | 0.4413% | 4,033 |
| Credit loss provision to net charge-offs | 118.0043% | 4,589 |
| Earnings coverage of net charge-offs (x) | 4.5108% | 2,922 |
| Efficiency ratio | 72.4843% | 4,186 |
| Assets per employee ($millions) | 3.0331% | 6,139 |
| Cash dividends to net income (ytd only)* | 304.4211% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 3,590 |
| Loan loss allowance to noncurrent loans | 87.2665% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 4,111 |
| Noncurrent loans to loans | 1.7499% | 4,014 |
| Net loans and leases to total assets | 64.9439% | 4,381 |
| Net loans and leases to deposits | 77.9693% | 4,381 |
| Net loans and leases to core deposits | 104.7192% | 3,487 |
| Total domestic deposits to total assets | 83.2942% | 4,386 |
| Equity capital to assets | 8.7760% | 5,477 |
| Core capital (leverage) ratio | 7.7968% | 6,457 |
| Tier 1 risk-based capital ratio | 8.7938% | 7,540 |
| Total risk-based capital ratio | 10.0460% | 7,569 |
| Memoranda: | ||
| Average total assets | $656,240,600 | 1,057 |
| Average earning assets | $571,897,200 | 1,104 |
| Average equity | $67,102,800 | 984 |
| Average total loans | $417,867,600 | 1,151 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 4,651 |
| Cost of funding earning assets | 1.7030% | 4,882 |
| Net interest margin | 3.7536% | 3,847 |
| Noninterest income to average assets | 0.7293% | 2,831 |
| Noninterest expense to average assets | 2.9133% | 4,399 |
| Loan and lease loss provision to assets | 0.2132% | 5,279 |
| Net operating income to assets | 0.7329% | 3,082 |
| Return on assets (ROA) | 0.7710% | 2,993 |
| Pretax return on assets | 1.0501% | 2,738 |
| Return on Equity (ROE) | 9.0797% | 2,234 |
| Retained earnings to average equity (ytd only) | 3.8246% | 3,154 |
| Net charge-offs to loans | 0.1141% | 5,539 |
| Credit loss provision to net charge-offs | 286.6667% | 1,459 |
| Earnings coverage of net charge-offs (x) | 16.2863% | 1,481 |
| Efficiency ratio | 70.6335% | 4,476 |
| Assets per employee ($millions) | 3.3848% | 5,194 |
| Cash dividends to net income (ytd only)* | 57.8779% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2495% | 1,349 |
| Loan loss allowance to noncurrent loans | 166.6558% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 4,986 |
| Noncurrent loans to loans | 1.3498% | 4,675 |
| Net loans and leases to total assets | 63.7934% | 4,906 |
| Net loans and leases to deposits | 76.9473% | 4,903 |
| Net loans and leases to core deposits | 103.7506% | 3,970 |
| Total domestic deposits to total assets | 82.9054% | 4,267 |
| Equity capital to assets | 7.8195% | 7,017 |
| Core capital (leverage) ratio | 8.6030% | 5,300 |
| Tier 1 risk-based capital ratio | 9.1142% | 7,578 |
| Total risk-based capital ratio | 10.3767% | 7,578 |
| Memoranda: | ||
| Average total assets | $268,924,250 | 2,441 |
| Average earning assets | $243,246,250 | 2,483 |
| Average equity | $22,834,250 | 2,871 |
| Average total loans | $175,209,750 | 2,602 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9469% | 6,931 |
| Cost of funding earning assets | 1.5961% | 5,762 |
| Net interest margin | 3.3508% | 5,358 |
| Noninterest income to average assets | 0.7097% | 2,931 |
| Noninterest expense to average assets | 2.7241% | 5,281 |
| Loan and lease loss provision to assets | 0.1485% | 5,593 |
| Net operating income to assets | 0.6443% | 3,489 |
| Return on assets (ROA) | 0.7089% | 3,319 |
| Pretax return on assets | 0.9366% | 3,221 |
| Return on Equity (ROE) | 8.0436% | 2,753 |
| Retained earnings to average equity (ytd only) | 3.8298% | 3,160 |
| Net charge-offs to loans | 0.1483% | 4,708 |
| Credit loss provision to net charge-offs | 153.8462% | 2,983 |
| Earnings coverage of net charge-offs (x) | 10.3590% | 2,004 |
| Efficiency ratio | 73.1442% | 4,167 |
| Assets per employee ($millions) | 4.9984% | 2,078 |
| Cash dividends to net income (ytd only)* | 52.3865% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3021% | 1,099 |
| Loan loss allowance to noncurrent loans | 171.6757% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 1.1081% | 4,740 |
| Noncurrent loans to loans | 1.3410% | 4,535 |
| Net loans and leases to total assets | 66.1075% | 4,546 |
| Net loans and leases to deposits | 79.9089% | 4,562 |
| Net loans and leases to core deposits | 110.0866% | 3,365 |
| Total domestic deposits to total assets | 82.7286% | 4,370 |
| Equity capital to assets | 8.1432% | 6,569 |
| Core capital (leverage) ratio | 9.8776% | 3,419 |
| Tier 1 risk-based capital ratio | 9.0722% | 7,657 |
| Total risk-based capital ratio | 10.3343% | 7,663 |
| Memoranda: | ||
| Average total assets | $242,355,670 | 2,730 |
| Average earning assets | $218,035,670 | 2,764 |
| Average equity | $21,358,670 | 3,052 |
| Average total loans | $157,772,670 | 2,860 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9818% | 2,436 |
| Cost of funding earning assets | 1.9917% | 4,175 |
| Net interest margin | 3.9901% | 2,687 |
| Noninterest income to average assets | 0.7977% | 2,339 |
| Noninterest expense to average assets | 3.1569% | 3,163 |
| Loan and lease loss provision to assets | 0.1790% | 4,664 |
| Net operating income to assets | 0.7997% | 3,132 |
| Return on assets (ROA) | 0.7997% | 3,293 |
| Pretax return on assets | 1.0364% | 3,219 |
| Return on Equity (ROE) | 8.5489% | 2,910 |
| Retained earnings to average equity (ytd only) | -1.0208% | 5,888 |
| Net charge-offs to loans | 0.2178% | 3,337 |
| Credit loss provision to net charge-offs | 130.4348% | 3,071 |
| Earnings coverage of net charge-offs (x) | 8.8551% | 2,135 |
| Efficiency ratio | 72.2020% | 4,159 |
| Assets per employee ($millions) | 3.1887% | 5,628 |
| Cash dividends to net income (ytd only)* | 111.9403% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 1,863 |
| Loan loss allowance to noncurrent loans | 126.0988% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 1.1300% | 4,420 |
| Noncurrent loans to loans | 1.4236% | 4,168 |
| Net loans and leases to total assets | 63.2853% | 5,109 |
| Net loans and leases to deposits | 71.0024% | 5,866 |
| Net loans and leases to core deposits | 93.6454% | 5,192 |
| Total domestic deposits to total assets | 89.1312% | 1,181 |
| Equity capital to assets | 9.4232% | 4,779 |
| Core capital (leverage) ratio | 7.5777% | 7,055 |
| Tier 1 risk-based capital ratio | 10.4091% | 6,487 |
| Total risk-based capital ratio | 11.6637% | 6,391 |
| Memoranda: | ||
| Average total assets | $201,086,000 | 3,225 |
| Average earning assets | $180,146,500 | 3,274 |
| Average equity | $18,809,500 | 3,439 |
| Average total loans | $126,738,500 | 3,430 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5695% | 2,626 |
| Cost of funding earning assets | 2.5725% | 3,834 |
| Net interest margin | 3.9970% | 3,130 |
| Noninterest income to average assets | 0.9599% | 1,726 |
| Noninterest expense to average assets | 3.0024% | 4,073 |
| Loan and lease loss provision to assets | 0.1797% | 5,097 |
| Net operating income to assets | 0.9766% | 2,653 |
| Return on assets (ROA) | 0.9813% | 2,513 |
| Pretax return on assets | 1.3432% | 2,157 |
| Return on Equity (ROE) | 10.6757% | 2,022 |
| Retained earnings to average equity (ytd only) | 2.8291% | 3,414 |
| Net charge-offs to loans | 0.1027% | 5,282 |
| Credit loss provision to net charge-offs | 283.4646% | 1,609 |
| Earnings coverage of net charge-offs (x) | 23.9213% | 1,392 |
| Efficiency ratio | 66.4421% | 5,031 |
| Assets per employee ($millions) | 3.1950% | 5,496 |
| Cash dividends to net income (ytd only)* | 73.4995% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 1,512 |
| Loan loss allowance to noncurrent loans | 233.8071% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 5,270 |
| Noncurrent loans to loans | 0.7942% | 5,055 |
| Net loans and leases to total assets | 60.4705% | 5,843 |
| Net loans and leases to deposits | 70.8796% | 6,185 |
| Net loans and leases to core deposits | 94.8521% | 5,372 |
| Total domestic deposits to total assets | 85.3144% | 2,697 |
| Equity capital to assets | 9.2848% | 4,953 |
| Core capital (leverage) ratio | 7.6996% | 6,932 |
| Tier 1 risk-based capital ratio | 10.7781% | 5,932 |
| Total risk-based capital ratio | 12.0326% | 5,836 |
| Memoranda: | ||
| Average total assets | $200,337,800 | 3,136 |
| Average earning assets | $178,385,000 | 3,203 |
| Average equity | $18,415,600 | 3,492 |
| Average total loans | $123,613,400 | 3,389 |