Home > Starion Bank > Performance and Condition Ratios
Starion 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 | 4.3192% | 3,409 |
| Cost of funding earning assets | 1.9523% | 990 |
| Net interest margin | 2.3670% | 4,209 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.2734% | 2,914 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6087% | 3,422 |
| Return on assets (ROA) | 0.5691% | 3,505 |
| Pretax return on assets | 0.5691% | 3,690 |
| Return on Equity (ROE) | 8.7100% | 2,828 |
| Retained earnings to average equity (ytd only) | 1.7659% | 3,636 |
| Net charge-offs to loans | 0.0601% | 1,250 |
| Credit loss provision to net charge-offs | 63.7681% | 2,125 |
| Earnings coverage of net charge-offs (x) | 16.3406% | 2,011 |
| Efficiency ratio | 78.4755% | 1,031 |
| Assets per employee ($millions) | 7.6325% | 1,636 |
| Cash dividends to net income (ytd only)* | 79.7325% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 1,536 |
| Loan loss allowance to noncurrent loans | 406.9184% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 2,128 |
| Noncurrent loans to loans | 0.3349% | 1,980 |
| Net loans and leases to total assets | 64.6600% | 2,406 |
| Net loans and leases to deposits | 80.3634% | 2,071 |
| Net loans and leases to core deposits | 94.3399% | 1,751 |
| Total domestic deposits to total assets | 80.4500% | 3,389 |
| Equity capital to assets | 7.0440% | 3,921 |
| Core capital (leverage) ratio | 9.6167% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3465% | 1,741 |
| Memoranda: | ||
| Average total assets | $1,812,917,800 | 621 |
| Average earning assets | $1,748,432,600 | 592 |
| Average equity | $118,412,000 | 836 |
| Average total loans | $1,148,729,600 | 657 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 3,380 |
| Cost of funding earning assets | 1.7650% | 1,073 |
| Net interest margin | 2.4825% | 4,161 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.2235% | 3,016 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5199% | 3,722 |
| Return on assets (ROA) | 0.5021% | 3,762 |
| Pretax return on assets | 0.5021% | 3,903 |
| Return on Equity (ROE) | 7.8500% | 3,221 |
| Retained earnings to average equity (ytd only) | -1.6834% | 4,299 |
| Net charge-offs to loans | 0.0150% | 1,860 |
| Credit loss provision to net charge-offs | 181.1024% | 1,189 |
| Earnings coverage of net charge-offs (x) | 56.6457% | 1,239 |
| Efficiency ratio | 80.6104% | 828 |
| Assets per employee ($millions) | 7.4729% | 1,645 |
| Cash dividends to net income (ytd only)* | 121.4528% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,313 |
| Loan loss allowance to noncurrent loans | 382.8732% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 2,025 |
| Noncurrent loans to loans | 0.3744% | 1,893 |
| Net loans and leases to total assets | 64.3200% | 2,407 |
| Net loans and leases to deposits | 78.4606% | 2,207 |
| Net loans and leases to core deposits | 90.5792% | 1,892 |
| Total domestic deposits to total assets | 81.9800% | 3,211 |
| Equity capital to assets | 5.8791% | 4,033 |
| Core capital (leverage) ratio | 9.5589% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2607% | 1,803 |
| Memoranda: | ||
| Average total assets | $1,798,657,000 | 628 |
| Average earning assets | $1,737,438,500 | 596 |
| Average equity | $115,085,000 | 847 |
| Average total loans | $1,129,478,750 | 666 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1465% | 3,405 |
| Cost of funding earning assets | 1.5453% | 1,166 |
| Net interest margin | 2.6013% | 4,111 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.2593% | 2,922 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5947% | 3,581 |
| Return on assets (ROA) | 0.5642% | 3,676 |
| Pretax return on assets | 0.5642% | 3,861 |
| Return on Equity (ROE) | 8.5800% | 3,093 |
| Retained earnings to average equity (ytd only) | -4.5008% | 4,406 |
| Net charge-offs to loans | 0.0398% | 1,123 |
| Credit loss provision to net charge-offs | 54.2986% | 1,653 |
| Earnings coverage of net charge-offs (x) | 24.6335% | 1,645 |
| Efficiency ratio | 78.7487% | 943 |
| Assets per employee ($millions) | 7.5810% | 1,558 |
| Cash dividends to net income (ytd only)* | 152.4451% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,262 |
| Loan loss allowance to noncurrent loans | 353.8316% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 1,873 |
| Noncurrent loans to loans | 0.4166% | 1,684 |
| Net loans and leases to total assets | 62.7000% | 2,509 |
| Net loans and leases to deposits | 74.6856% | 2,430 |
| Net loans and leases to core deposits | 85.2884% | 2,130 |
| Total domestic deposits to total assets | 83.9500% | 2,830 |
| Equity capital to assets | 6.2868% | 4,069 |
| Core capital (leverage) ratio | 9.6395% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6446% | 1,675 |
| Memoranda: | ||
| Average total assets | $1,790,413,000 | 618 |
| Average earning assets | $1,729,781,333 | 588 |
| Average equity | $117,713,667 | 827 |
| Average total loans | $1,109,346,667 | 659 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 3,342 |
| Cost of funding earning assets | 1.3625% | 1,111 |
| Net interest margin | 2.7000% | 4,073 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.2953% | 2,827 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6361% | 3,619 |
| Return on assets (ROA) | 0.5736% | 3,708 |
| Pretax return on assets | 0.5736% | 3,888 |
| Return on Equity (ROE) | 8.5400% | 3,171 |
| Retained earnings to average equity (ytd only) | -1.4555% | 4,164 |
| Net charge-offs to loans | 0.0220% | 1,242 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 48.3667% | 1,113 |
| Efficiency ratio | 77.8994% | 1,013 |
| Assets per employee ($millions) | 7.4182% | 1,671 |
| Cash dividends to net income (ytd only)* | 117.0503% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 1,158 |
| Loan loss allowance to noncurrent loans | 426.6230% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 1,995 |
| Noncurrent loans to loans | 0.3600% | 1,858 |
| Net loans and leases to total assets | 61.3000% | 2,533 |
| Net loans and leases to deposits | 69.2916% | 2,673 |
| Net loans and leases to core deposits | 79.7677% | 2,273 |
| Total domestic deposits to total assets | 88.4700% | 1,748 |
| Equity capital to assets | 6.7694% | 3,929 |
| Core capital (leverage) ratio | 9.7652% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2178% | 1,567 |
| Memoranda: | ||
| Average total assets | $1,787,275,500 | 632 |
| Average earning assets | $1,726,227,500 | 603 |
| Average equity | $120,093,500 | 819 |
| Average total loans | $1,092,319,000 | 675 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4716% | 3,149 |
| Cost of funding earning assets | 0.4427% | 1,777 |
| Net interest margin | 3.0290% | 3,364 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.1797% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1163% | 2,095 |
| Return on assets (ROA) | 1.1007% | 2,105 |
| Pretax return on assets | 1.1007% | 2,764 |
| Return on Equity (ROE) | 14.5400% | 1,389 |
| Retained earnings to average equity (ytd only) | 10.0540% | 1,128 |
| Net charge-offs to loans | -0.0103% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.0646% | 2,223 |
| Assets per employee ($millions) | 7.4140% | 1,675 |
| Cash dividends to net income (ytd only)* | 30.8507% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,253 |
| Loan loss allowance to noncurrent loans | 351.7794% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 1,887 |
| Noncurrent loans to loans | 0.4212% | 1,664 |
| Net loans and leases to total assets | 59.1000% | 2,724 |
| Net loans and leases to deposits | 70.9325% | 2,495 |
| Net loans and leases to core deposits | 80.1824% | 2,127 |
| Total domestic deposits to total assets | 83.3200% | 3,350 |
| Equity capital to assets | 6.6701% | 3,832 |
| Core capital (leverage) ratio | 10.0187% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4832% | 1,481 |
| Memoranda: | ||
| Average total assets | $1,741,868,800 | 624 |
| Average earning assets | $1,684,080,200 | 592 |
| Average equity | $131,868,200 | 742 |
| Average total loans | $980,622,400 | 698 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2699% | 3,260 |
| Cost of funding earning assets | 0.3083% | 2,076 |
| Net interest margin | 2.9616% | 3,322 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.1898% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0681% | 2,220 |
| Return on assets (ROA) | 1.0675% | 2,177 |
| Pretax return on assets | 1.0675% | 2,819 |
| Return on Equity (ROE) | 13.6800% | 1,516 |
| Retained earnings to average equity (ytd only) | 7.8261% | 2,072 |
| Net charge-offs to loans | -0.0155% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.1398% | 2,142 |
| Assets per employee ($millions) | 7.2469% | 1,785 |
| Cash dividends to net income (ytd only)* | 42.7786% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 1,088 |
| Loan loss allowance to noncurrent loans | 202.3873% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 1,193 |
| Noncurrent loans to loans | 0.7842% | 1,025 |
| Net loans and leases to total assets | 56.8900% | 2,814 |
| Net loans and leases to deposits | 66.4694% | 2,679 |
| Net loans and leases to core deposits | 74.2559% | 2,330 |
| Total domestic deposits to total assets | 85.5900% | 3,152 |
| Equity capital to assets | 5.9225% | 3,993 |
| Core capital (leverage) ratio | 9.9567% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9033% | 1,457 |
| Memoranda: | ||
| Average total assets | $1,726,935,000 | 629 |
| Average earning assets | $1,671,144,500 | 598 |
| Average equity | $134,793,000 | 740 |
| Average total loans | $955,580,000 | 711 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1452% | 3,197 |
| Cost of funding earning assets | 0.2523% | 2,233 |
| Net interest margin | 2.8929% | 3,191 |
| Noninterest income to average assets | 0.4013% | 2,749 |
| Noninterest expense to average assets | 2.2013% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0027% | 2,148 |
| Return on assets (ROA) | 0.9999% | 2,127 |
| Pretax return on assets | 0.9999% | 2,734 |
| Return on Equity (ROE) | 11.8434% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.8295% | 1,680 |
| Net charge-offs to loans | -0.0410% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6151% | 2,154 |
| Assets per employee ($millions) | 7.0842% | 1,886 |
| Cash dividends to net income (ytd only)* | 33.8914% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 1,008 |
| Loan loss allowance to noncurrent loans | 247.3733% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 1,460 |
| Noncurrent loans to loans | 0.6754% | 1,279 |
| Net loans and leases to total assets | 56.2097% | 2,731 |
| Net loans and leases to deposits | 63.4935% | 2,770 |
| Net loans and leases to core deposits | 68.3903% | 2,616 |
| Total domestic deposits to total assets | 88.5282% | 2,372 |
| Equity capital to assets | 6.6168% | 3,969 |
| Core capital (leverage) ratio | 10.0698% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4076% | 1,327 |
| Memoranda: | ||
| Average total assets | $1,720,412,333 | 629 |
| Average earning assets | $1,666,769,333 | 600 |
| Average equity | $145,245,333 | 706 |
| Average total loans | $937,576,000 | 712 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0338% | 3,154 |
| Cost of funding earning assets | 0.2484% | 2,179 |
| Net interest margin | 2.7854% | 3,185 |
| Noninterest income to average assets | 0.3996% | 2,689 |
| Noninterest expense to average assets | 2.2175% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8819% | 2,351 |
| Return on assets (ROA) | 0.8863% | 2,332 |
| Pretax return on assets | 0.8863% | 2,828 |
| Return on Equity (ROE) | 9.5010% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.5010% | 1,146 |
| Net charge-offs to loans | -0.0489% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3755% | 2,059 |
| Assets per employee ($millions) | 7.2274% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 1,008 |
| Loan loss allowance to noncurrent loans | 224.6915% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 1,462 |
| Noncurrent loans to loans | 0.7690% | 1,239 |
| Net loans and leases to total assets | 52.9862% | 2,880 |
| Net loans and leases to deposits | 59.4811% | 2,956 |
| Net loans and leases to core deposits | 64.3736% | 2,767 |
| Total domestic deposits to total assets | 89.0808% | 2,043 |
| Equity capital to assets | 8.4344% | 3,215 |
| Core capital (leverage) ratio | 10.0527% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7040% | 1,335 |
| Memoranda: | ||
| Average total assets | $1,737,599,000 | 624 |
| Average earning assets | $1,684,228,500 | 593 |
| Average equity | $162,087,500 | 671 |
| Average total loans | $924,453,500 | 713 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3135% | 3,163 |
| Cost of funding earning assets | 0.3280% | 2,135 |
| Net interest margin | 2.9855% | 3,238 |
| Noninterest income to average assets | 0.4911% | 2,616 |
| Noninterest expense to average assets | 2.1179% | 3,343 |
| Loan and lease loss provision to assets | 0.1197% | 1,038 |
| Net operating income to assets | 1.1413% | 2,141 |
| Return on assets (ROA) | 1.1555% | 2,138 |
| Pretax return on assets | 1.1555% | 2,802 |
| Return on Equity (ROE) | 10.8205% | 2,229 |
| Retained earnings to average equity (ytd only) | 7.9897% | 1,549 |
| Net charge-offs to loans | -0.0044% | 3,520 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4838% | 2,796 |
| Assets per employee ($millions) | 7.5977% | 1,555 |
| Cash dividends to net income (ytd only)* | 26.1617% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 989 |
| Loan loss allowance to noncurrent loans | 208.7641% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 1,513 |
| Noncurrent loans to loans | 0.8272% | 1,236 |
| Net loans and leases to total assets | 51.5956% | 3,111 |
| Net loans and leases to deposits | 58.9853% | 3,175 |
| Net loans and leases to core deposits | 63.8466% | 2,993 |
| Total domestic deposits to total assets | 87.4719% | 2,293 |
| Equity capital to assets | 10.2043% | 2,465 |
| Core capital (leverage) ratio | 9.8372% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7866% | 1,315 |
| Memoranda: | ||
| Average total assets | $1,670,527,000 | 626 |
| Average earning assets | $1,615,831,200 | 595 |
| Average equity | $178,392,800 | 610 |
| Average total loans | $918,548,400 | 710 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3791% | 3,164 |
| Cost of funding earning assets | 0.3461% | 2,156 |
| Net interest margin | 3.0330% | 3,223 |
| Noninterest income to average assets | 0.5159% | 2,556 |
| Noninterest expense to average assets | 2.0983% | 3,369 |
| Loan and lease loss provision to assets | 0.1455% | 776 |
| Net operating income to assets | 1.2036% | 2,160 |
| Return on assets (ROA) | 1.2213% | 2,155 |
| Pretax return on assets | 1.2213% | 2,863 |
| Return on Equity (ROE) | 11.3035% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.9569% | 1,326 |
| Net charge-offs to loans | 0.0230% | 1,582 |
| Credit loss provision to net charge-offs | 1,139.2405% | 478 |
| Earnings coverage of net charge-offs (x) | 105.6266% | 849 |
| Efficiency ratio | 60.6655% | 2,884 |
| Assets per employee ($millions) | 7.7273% | 1,432 |
| Cash dividends to net income (ytd only)* | 11.9134% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 1,133 |
| Loan loss allowance to noncurrent loans | 151.1349% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5878% | 1,302 |
| Noncurrent loans to loans | 1.1154% | 1,004 |
| Net loans and leases to total assets | 51.8112% | 3,207 |
| Net loans and leases to deposits | 59.5150% | 3,273 |
| Net loans and leases to core deposits | 64.6438% | 3,077 |
| Total domestic deposits to total assets | 87.0558% | 2,334 |
| Equity capital to assets | 10.5383% | 2,428 |
| Core capital (leverage) ratio | 10.1041% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0464% | 1,343 |
| Memoranda: | ||
| Average total assets | $1,649,391,750 | 635 |
| Average earning assets | $1,594,182,000 | 603 |
| Average equity | $178,217,750 | 616 |
| Average total loans | $917,823,000 | 727 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4245% | 3,102 |
| Cost of funding earning assets | 0.3691% | 2,146 |
| Net interest margin | 3.0554% | 3,166 |
| Noninterest income to average assets | 0.5302% | 2,491 |
| Noninterest expense to average assets | 2.0966% | 3,402 |
| Loan and lease loss provision to assets | 0.1484% | 805 |
| Net operating income to assets | 1.2337% | 2,069 |
| Return on assets (ROA) | 1.2559% | 2,072 |
| Pretax return on assets | 1.2559% | 2,747 |
| Return on Equity (ROE) | 11.5205% | 2,224 |
| Retained earnings to average equity (ytd only) | 11.5205% | 1,009 |
| Net charge-offs to loans | 0.0600% | 1,016 |
| Credit loss provision to net charge-offs | 436.3636% | 728 |
| Earnings coverage of net charge-offs (x) | 40.6364% | 1,156 |
| Efficiency ratio | 60.0597% | 3,016 |
| Assets per employee ($millions) | 7.2716% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 1,370 |
| Loan loss allowance to noncurrent loans | 174.1643% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 1,565 |
| Noncurrent loans to loans | 0.8991% | 1,378 |
| Net loans and leases to total assets | 58.1460% | 2,651 |
| Net loans and leases to deposits | 67.6897% | 2,647 |
| Net loans and leases to core deposits | 73.5190% | 2,457 |
| Total domestic deposits to total assets | 85.9007% | 2,774 |
| Equity capital to assets | 11.2359% | 1,804 |
| Core capital (leverage) ratio | 10.2679% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8908% | 1,365 |
| Memoranda: | ||
| Average total assets | $1,617,064,333 | 640 |
| Average earning assets | $1,560,520,000 | 613 |
| Average equity | $176,277,333 | 617 |
| Average total loans | $916,986,667 | 732 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3744% | 3,275 |
| Cost of funding earning assets | 0.3920% | 2,157 |
| Net interest margin | 2.9824% | 3,310 |
| Noninterest income to average assets | 0.5543% | 2,391 |
| Noninterest expense to average assets | 2.0658% | 3,520 |
| Loan and lease loss provision to assets | 0.1476% | 888 |
| Net operating income to assets | 1.2160% | 2,084 |
| Return on assets (ROA) | 1.2251% | 2,137 |
| Pretax return on assets | 1.2251% | 2,773 |
| Return on Equity (ROE) | 11.4104% | 2,222 |
| Retained earnings to average equity (ytd only) | 11.4104% | 1,296 |
| Net charge-offs to loans | -0.0031% | 3,233 |
| Credit loss provision to net charge-offs | -8,571.4286% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0301% | 3,028 |
| Assets per employee ($millions) | 7.6145% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 1,302 |
| Loan loss allowance to noncurrent loans | 163.6045% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 1,763 |
| Noncurrent loans to loans | 0.9773% | 1,387 |
| Net loans and leases to total assets | 54.1796% | 3,223 |
| Net loans and leases to deposits | 63.2772% | 3,193 |
| Net loans and leases to core deposits | 70.0235% | 2,862 |
| Total domestic deposits to total assets | 85.6225% | 2,885 |
| Equity capital to assets | 10.5184% | 2,258 |
| Core capital (leverage) ratio | 10.2042% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3665% | 1,206 |
| Memoranda: | ||
| Average total assets | $1,625,720,500 | 628 |
| Average earning assets | $1,567,198,000 | 599 |
| Average equity | $174,542,500 | 614 |
| Average total loans | $902,986,000 | 734 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 2,833 |
| Cost of funding earning assets | 0.6264% | 2,143 |
| Net interest margin | 3.3403% | 2,954 |
| Noninterest income to average assets | 0.5740% | 2,323 |
| Noninterest expense to average assets | 2.1917% | 3,684 |
| Loan and lease loss provision to assets | 0.2191% | 1,787 |
| Net operating income to assets | 1.3767% | 1,073 |
| Return on assets (ROA) | 1.3999% | 1,110 |
| Pretax return on assets | 1.3999% | 1,656 |
| Return on Equity (ROE) | 12.5119% | 1,174 |
| Retained earnings to average equity (ytd only) | 4.0758% | 2,775 |
| Net charge-offs to loans | 0.1174% | 1,315 |
| Credit loss provision to net charge-offs | 292.2662% | 1,767 |
| Earnings coverage of net charge-offs (x) | 21.2860% | 1,904 |
| Efficiency ratio | 57.6568% | 3,775 |
| Assets per employee ($millions) | 7.6510% | 1,189 |
| Cash dividends to net income (ytd only)* | 67.4244% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,457 |
| Loan loss allowance to noncurrent loans | 246.8327% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 2,590 |
| Noncurrent loans to loans | 0.6242% | 2,133 |
| Net loans and leases to total assets | 55.1757% | 3,375 |
| Net loans and leases to deposits | 65.0678% | 3,352 |
| Net loans and leases to core deposits | 73.4403% | 2,959 |
| Total domestic deposits to total assets | 84.7972% | 2,845 |
| Equity capital to assets | 10.9594% | 2,287 |
| Core capital (leverage) ratio | 10.3850% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3434% | 1,433 |
| Memoranda: | ||
| Average total assets | $1,483,254,800 | 623 |
| Average earning assets | $1,426,946,400 | 593 |
| Average equity | $165,954,600 | 617 |
| Average total loans | $947,335,800 | 678 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 2,691 |
| Cost of funding earning assets | 0.6877% | 2,100 |
| Net interest margin | 3.4062% | 2,899 |
| Noninterest income to average assets | 0.5367% | 2,439 |
| Noninterest expense to average assets | 2.2005% | 3,677 |
| Loan and lease loss provision to assets | 0.1798% | 2,189 |
| Net operating income to assets | 1.4332% | 1,026 |
| Return on assets (ROA) | 1.4631% | 1,054 |
| Pretax return on assets | 1.4631% | 1,534 |
| Return on Equity (ROE) | 13.0032% | 1,112 |
| Retained earnings to average equity (ytd only) | 1.5811% | 4,060 |
| Net charge-offs to loans | 0.0051% | 2,958 |
| Credit loss provision to net charge-offs | 5,291.8919% | 214 |
| Earnings coverage of net charge-offs (x) | 474.8649% | 241 |
| Efficiency ratio | 57.4892% | 3,736 |
| Assets per employee ($millions) | 7.2995% | 1,324 |
| Cash dividends to net income (ytd only)* | 87.8404% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 1,716 |
| Loan loss allowance to noncurrent loans | 141.1661% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 1,823 |
| Noncurrent loans to loans | 0.9954% | 1,506 |
| Net loans and leases to total assets | 63.1031% | 2,872 |
| Net loans and leases to deposits | 75.0197% | 2,850 |
| Net loans and leases to core deposits | 85.3426% | 2,358 |
| Total domestic deposits to total assets | 84.1154% | 2,779 |
| Equity capital to assets | 11.2639% | 2,181 |
| Core capital (leverage) ratio | 10.0522% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9854% | 1,498 |
| Memoranda: | ||
| Average total assets | $1,452,391,000 | 617 |
| Average earning assets | $1,397,183,250 | 588 |
| Average equity | $163,422,000 | 618 |
| Average total loans | $959,073,500 | 664 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 2,793 |
| Cost of funding earning assets | 0.7624% | 2,037 |
| Net interest margin | 3.4293% | 3,008 |
| Noninterest income to average assets | 0.5225% | 2,479 |
| Noninterest expense to average assets | 2.2451% | 3,666 |
| Loan and lease loss provision to assets | 0.1632% | 2,370 |
| Net operating income to assets | 1.4096% | 1,092 |
| Return on assets (ROA) | 1.4369% | 1,131 |
| Pretax return on assets | 1.4369% | 1,620 |
| Return on Equity (ROE) | 12.7752% | 1,155 |
| Retained earnings to average equity (ytd only) | -4.6280% | 4,757 |
| Net charge-offs to loans | 0.0067% | 2,723 |
| Credit loss provision to net charge-offs | 3,646.8750% | 302 |
| Earnings coverage of net charge-offs (x) | 351.5313% | 294 |
| Efficiency ratio | 58.5879% | 3,612 |
| Assets per employee ($millions) | 7.2245% | 1,309 |
| Cash dividends to net income (ytd only)* | 136.2265% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 1,968 |
| Loan loss allowance to noncurrent loans | 126.1816% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 1,846 |
| Noncurrent loans to loans | 1.0358% | 1,503 |
| Net loans and leases to total assets | 62.5570% | 3,063 |
| Net loans and leases to deposits | 78.9748% | 2,546 |
| Net loans and leases to core deposits | 89.7516% | 2,088 |
| Total domestic deposits to total assets | 79.2113% | 3,998 |
| Equity capital to assets | 10.6030% | 2,658 |
| Core capital (leverage) ratio | 10.2314% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2693% | 1,707 |
| Memoranda: | ||
| Average total assets | $1,430,426,000 | 614 |
| Average earning assets | $1,374,567,000 | 588 |
| Average equity | $160,890,000 | 625 |
| Average total loans | $954,851,000 | 650 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 2,725 |
| Cost of funding earning assets | 0.9064% | 1,825 |
| Net interest margin | 3.4603% | 3,123 |
| Noninterest income to average assets | 0.4780% | 2,660 |
| Noninterest expense to average assets | 2.3339% | 3,691 |
| Loan and lease loss provision to assets | 0.1096% | 2,306 |
| Net operating income to assets | 1.3528% | 1,100 |
| Return on assets (ROA) | 1.3654% | 1,146 |
| Pretax return on assets | 1.3654% | 1,668 |
| Return on Equity (ROE) | 11.7568% | 1,178 |
| Retained earnings to average equity (ytd only) | 11.7568% | 451 |
| Net charge-offs to loans | -0.0357% | 4,528 |
| Credit loss provision to net charge-offs | -446.4286% | 3,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2484% | 3,583 |
| Assets per employee ($millions) | 6.0787% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 2,091 |
| Loan loss allowance to noncurrent loans | 114.3916% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 1,710 |
| Noncurrent loans to loans | 1.1460% | 1,449 |
| Net loans and leases to total assets | 67.4151% | 2,631 |
| Net loans and leases to deposits | 81.8055% | 2,476 |
| Net loans and leases to core deposits | 95.7184% | 1,820 |
| Total domestic deposits to total assets | 82.4090% | 3,292 |
| Equity capital to assets | 11.5615% | 2,384 |
| Core capital (leverage) ratio | 11.3211% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9564% | 1,612 |
| Memoranda: | ||
| Average total assets | $1,369,010,000 | 612 |
| Average earning assets | $1,312,848,500 | 586 |
| Average equity | $158,989,000 | 624 |
| Average total loans | $940,007,000 | 636 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 2,974 |
| Cost of funding earning assets | 1.0223% | 1,627 |
| Net interest margin | 3.4697% | 3,535 |
| Noninterest income to average assets | 0.4840% | 2,833 |
| Noninterest expense to average assets | 2.3162% | 3,908 |
| Loan and lease loss provision to assets | 0.1271% | 1,674 |
| Net operating income to assets | 1.3648% | 1,462 |
| Return on assets (ROA) | 1.3678% | 1,535 |
| Pretax return on assets | 1.3678% | 2,275 |
| Return on Equity (ROE) | 12.4322% | 1,352 |
| Retained earnings to average equity (ytd only) | 6.2002% | 1,766 |
| Net charge-offs to loans | 0.0076% | 3,405 |
| Credit loss provision to net charge-offs | 2,397.2603% | 164 |
| Earnings coverage of net charge-offs (x) | 281.3836% | 296 |
| Efficiency ratio | 60.5844% | 3,606 |
| Assets per employee ($millions) | 6.2280% | 1,464 |
| Cash dividends to net income (ytd only)* | 50.1274% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,259 |
| Loan loss allowance to noncurrent loans | 96.2671% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9313% | 1,364 |
| Noncurrent loans to loans | 1.2832% | 1,175 |
| Net loans and leases to total assets | 68.1597% | 2,658 |
| Net loans and leases to deposits | 83.2294% | 2,418 |
| Net loans and leases to core deposits | 97.5050% | 1,774 |
| Total domestic deposits to total assets | 81.8937% | 3,534 |
| Equity capital to assets | 11.6648% | 2,374 |
| Core capital (leverage) ratio | 10.8535% | 2,633 |
| Tier 1 risk-based capital ratio | 14.1316% | 3,201 |
| Total risk-based capital ratio | 15.2396% | 3,183 |
| Memoranda: | ||
| Average total assets | $1,376,812,200 | 593 |
| Average earning assets | $1,319,038,000 | 567 |
| Average equity | $151,478,200 | 616 |
| Average total loans | $957,827,000 | 600 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 3,174 |
| Cost of funding earning assets | 1.0379% | 1,594 |
| Net interest margin | 3.4235% | 3,797 |
| Noninterest income to average assets | 0.4738% | 2,883 |
| Noninterest expense to average assets | 2.2985% | 3,956 |
| Loan and lease loss provision to assets | 0.1149% | 1,694 |
| Net operating income to assets | 1.3413% | 1,675 |
| Return on assets (ROA) | 1.3423% | 1,741 |
| Pretax return on assets | 1.3423% | 2,521 |
| Return on Equity (ROE) | 12.3868% | 1,484 |
| Retained earnings to average equity (ytd only) | 6.7215% | 1,998 |
| Net charge-offs to loans | -0.0378% | 4,773 |
| Credit loss provision to net charge-offs | -436.3971% | 4,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9707% | 3,480 |
| Assets per employee ($millions) | 6.2971% | 1,394 |
| Cash dividends to net income (ytd only)* | 45.7365% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,635 |
| Loan loss allowance to noncurrent loans | 94.9930% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 1,476 |
| Noncurrent loans to loans | 1.2377% | 1,257 |
| Net loans and leases to total assets | 69.5523% | 2,541 |
| Net loans and leases to deposits | 87.1333% | 2,044 |
| Net loans and leases to core deposits | 102.6818% | 1,445 |
| Total domestic deposits to total assets | 79.8229% | 4,023 |
| Equity capital to assets | 11.4010% | 2,735 |
| Core capital (leverage) ratio | 10.7350% | 2,903 |
| Tier 1 risk-based capital ratio | 13.6564% | 3,502 |
| Total risk-based capital ratio | 14.7211% | 3,497 |
| Memoranda: | ||
| Average total assets | $1,376,916,250 | 591 |
| Average earning assets | $1,319,598,000 | 569 |
| Average equity | $149,209,250 | 624 |
| Average total loans | $959,813,500 | 599 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 3,258 |
| Cost of funding earning assets | 1.0196% | 1,604 |
| Net interest margin | 3.4074% | 3,873 |
| Noninterest income to average assets | 0.4864% | 2,751 |
| Noninterest expense to average assets | 2.3506% | 3,867 |
| Loan and lease loss provision to assets | 0.0911% | 2,032 |
| Net operating income to assets | 1.3140% | 1,722 |
| Return on assets (ROA) | 1.3146% | 1,782 |
| Pretax return on assets | 1.3146% | 2,502 |
| Return on Equity (ROE) | 12.3485% | 1,459 |
| Retained earnings to average equity (ytd only) | 5.4472% | 2,543 |
| Net charge-offs to loans | -0.0256% | 4,631 |
| Credit loss provision to net charge-offs | -512.2951% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3467% | 3,375 |
| Assets per employee ($millions) | 5.9870% | 1,553 |
| Cash dividends to net income (ytd only)* | 55.8882% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 3,026 |
| Loan loss allowance to noncurrent loans | 93.1058% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 1,687 |
| Noncurrent loans to loans | 1.1909% | 1,346 |
| Net loans and leases to total assets | 69.3749% | 2,619 |
| Net loans and leases to deposits | 88.8291% | 1,886 |
| Net loans and leases to core deposits | 104.7323% | 1,322 |
| Total domestic deposits to total assets | 78.0993% | 4,379 |
| Equity capital to assets | 11.0748% | 2,968 |
| Core capital (leverage) ratio | 10.3540% | 3,238 |
| Tier 1 risk-based capital ratio | 13.3562% | 3,656 |
| Total risk-based capital ratio | 14.3574% | 3,689 |
| Memoranda: | ||
| Average total assets | $1,371,998,330 | 597 |
| Average earning assets | $1,316,378,670 | 570 |
| Average equity | $146,057,670 | 634 |
| Average total loans | $953,266,330 | 603 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3274% | 3,477 |
| Cost of funding earning assets | 0.9630% | 1,730 |
| Net interest margin | 3.3645% | 3,995 |
| Noninterest income to average assets | 0.4802% | 2,675 |
| Noninterest expense to average assets | 2.4082% | 3,753 |
| Loan and lease loss provision to assets | 0.0918% | 1,887 |
| Net operating income to assets | 1.2078% | 2,027 |
| Return on assets (ROA) | 1.1999% | 2,108 |
| Pretax return on assets | 1.1999% | 2,802 |
| Return on Equity (ROE) | 11.5071% | 1,733 |
| Retained earnings to average equity (ytd only) | 5.3175% | 2,769 |
| Net charge-offs to loans | -0.0713% | 4,938 |
| Credit loss provision to net charge-offs | -186.3095% | 3,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7124% | 3,130 |
| Assets per employee ($millions) | 6.0680% | 1,497 |
| Cash dividends to net income (ytd only)* | 53.7897% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,091 |
| Loan loss allowance to noncurrent loans | 102.9102% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 1,873 |
| Noncurrent loans to loans | 1.0757% | 1,548 |
| Net loans and leases to total assets | 68.9529% | 2,630 |
| Net loans and leases to deposits | 84.1172% | 2,372 |
| Net loans and leases to core deposits | 95.6181% | 1,964 |
| Total domestic deposits to total assets | 81.9725% | 3,734 |
| Equity capital to assets | 10.6527% | 3,203 |
| Core capital (leverage) ratio | 10.4926% | 3,057 |
| Tier 1 risk-based capital ratio | 13.3863% | 3,673 |
| Total risk-based capital ratio | 14.3793% | 3,722 |
| Memoranda: | ||
| Average total assets | $1,363,503,500 | 602 |
| Average earning assets | $1,308,025,500 | 580 |
| Average equity | $142,173,000 | 644 |
| Average total loans | $942,693,000 | 613 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 3,246 |
| Cost of funding earning assets | 0.6989% | 2,100 |
| Net interest margin | 3.5602% | 3,515 |
| Noninterest income to average assets | 0.4673% | 3,008 |
| Noninterest expense to average assets | 2.3425% | 4,017 |
| Loan and lease loss provision to assets | 0.0394% | 3,409 |
| Net operating income to assets | 1.4995% | 1,119 |
| Return on assets (ROA) | 1.4995% | 1,104 |
| Pretax return on assets | 1.4995% | 1,784 |
| Return on Equity (ROE) | 14.4929% | 942 |
| Retained earnings to average equity (ytd only) | 7.0992% | 1,627 |
| Net charge-offs to loans | -0.0212% | 4,716 |
| Credit loss provision to net charge-offs | -264.2487% | 4,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1096% | 3,842 |
| Assets per employee ($millions) | 5.9205% | 1,574 |
| Cash dividends to net income (ytd only)* | 51.0162% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,238 |
| Loan loss allowance to noncurrent loans | 101.5859% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 1,901 |
| Noncurrent loans to loans | 1.0606% | 1,540 |
| Net loans and leases to total assets | 67.8102% | 2,903 |
| Net loans and leases to deposits | 81.8854% | 2,748 |
| Net loans and leases to core deposits | 94.0774% | 2,222 |
| Total domestic deposits to total assets | 82.8111% | 3,391 |
| Equity capital to assets | 10.2008% | 3,466 |
| Core capital (leverage) ratio | 10.3548% | 3,194 |
| Tier 1 risk-based capital ratio | 13.5218% | 3,536 |
| Total risk-based capital ratio | 14.4922% | 3,585 |
| Memoranda: | ||
| Average total assets | $1,292,802,200 | 605 |
| Average earning assets | $1,239,781,000 | 583 |
| Average equity | $133,762,200 | 649 |
| Average total loans | $912,148,800 | 606 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 3,272 |
| Cost of funding earning assets | 0.6353% | 2,239 |
| Net interest margin | 3.5775% | 3,441 |
| Noninterest income to average assets | 0.5010% | 2,860 |
| Noninterest expense to average assets | 2.3174% | 4,058 |
| Loan and lease loss provision to assets | 0.0402% | 3,200 |
| Net operating income to assets | 1.5762% | 1,006 |
| Return on assets (ROA) | 1.5762% | 1,010 |
| Pretax return on assets | 1.5762% | 1,648 |
| Return on Equity (ROE) | 15.1772% | 839 |
| Retained earnings to average equity (ytd only) | 8.0415% | 1,630 |
| Net charge-offs to loans | -0.1114% | 5,193 |
| Credit loss provision to net charge-offs | -50.7916% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6672% | 4,016 |
| Assets per employee ($millions) | 5.7485% | 1,690 |
| Cash dividends to net income (ytd only)* | 47.0159% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,948 |
| Loan loss allowance to noncurrent loans | 150.9274% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 2,589 |
| Noncurrent loans to loans | 0.7569% | 2,195 |
| Net loans and leases to total assets | 68.7066% | 2,838 |
| Net loans and leases to deposits | 83.0712% | 2,703 |
| Net loans and leases to core deposits | 96.6728% | 2,053 |
| Total domestic deposits to total assets | 82.7081% | 3,400 |
| Equity capital to assets | 10.1547% | 3,488 |
| Core capital (leverage) ratio | 10.7789% | 2,818 |
| Tier 1 risk-based capital ratio | 13.7761% | 3,476 |
| Total risk-based capital ratio | 14.8197% | 3,498 |
| Memoranda: | ||
| Average total assets | $1,275,576,250 | 613 |
| Average earning assets | $1,224,011,500 | 586 |
| Average equity | $132,476,500 | 653 |
| Average total loans | $906,827,750 | 605 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 3,056 |
| Cost of funding earning assets | 0.5756% | 2,395 |
| Net interest margin | 3.6435% | 3,142 |
| Noninterest income to average assets | 0.5284% | 2,702 |
| Noninterest expense to average assets | 2.3801% | 3,948 |
| Loan and lease loss provision to assets | 0.0413% | 3,081 |
| Net operating income to assets | 1.6025% | 916 |
| Return on assets (ROA) | 1.6025% | 922 |
| Pretax return on assets | 1.6025% | 1,494 |
| Return on Equity (ROE) | 15.3107% | 791 |
| Retained earnings to average equity (ytd only) | 7.4248% | 1,874 |
| Net charge-offs to loans | -0.0011% | 3,894 |
| Credit loss provision to net charge-offs | -5,200.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9129% | 4,100 |
| Assets per employee ($millions) | 5.4742% | 1,906 |
| Cash dividends to net income (ytd only)* | 51.5055% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,526 |
| Loan loss allowance to noncurrent loans | 145.2582% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 2,613 |
| Noncurrent loans to loans | 0.7238% | 2,302 |
| Net loans and leases to total assets | 71.5853% | 2,343 |
| Net loans and leases to deposits | 87.8120% | 2,131 |
| Net loans and leases to core deposits | 103.0644% | 1,477 |
| Total domestic deposits to total assets | 81.5211% | 3,864 |
| Equity capital to assets | 10.4785% | 3,143 |
| Core capital (leverage) ratio | 10.6761% | 2,839 |
| Tier 1 risk-based capital ratio | 13.6196% | 3,552 |
| Total risk-based capital ratio | 14.5869% | 3,633 |
| Memoranda: | ||
| Average total assets | $1,260,049,670 | 623 |
| Average earning assets | $1,208,850,000 | 593 |
| Average equity | $131,881,670 | 648 |
| Average total loans | $902,801,670 | 606 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0340% | 3,490 |
| Cost of funding earning assets | 0.5332% | 2,523 |
| Net interest margin | 3.5008% | 3,533 |
| Noninterest income to average assets | 0.5444% | 2,555 |
| Noninterest expense to average assets | 2.3679% | 4,024 |
| Loan and lease loss provision to assets | 0.0429% | 2,899 |
| Net operating income to assets | 1.4912% | 1,102 |
| Return on assets (ROA) | 1.4912% | 1,108 |
| Pretax return on assets | 1.4912% | 1,700 |
| Return on Equity (ROE) | 14.2555% | 954 |
| Retained earnings to average equity (ytd only) | 7.5671% | 2,003 |
| Net charge-offs to loans | 0.0281% | 1,936 |
| Credit loss provision to net charge-offs | 214.2857% | 997 |
| Earnings coverage of net charge-offs (x) | 76.5714% | 730 |
| Efficiency ratio | 60.4401% | 4,011 |
| Assets per employee ($millions) | 5.4485% | 1,986 |
| Cash dividends to net income (ytd only)* | 46.9183% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,675 |
| Loan loss allowance to noncurrent loans | 101.3330% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.7610% | 2,049 |
| Noncurrent loans to loans | 1.0339% | 1,773 |
| Net loans and leases to total assets | 71.0403% | 2,322 |
| Net loans and leases to deposits | 85.4866% | 2,234 |
| Net loans and leases to core deposits | 99.6078% | 1,717 |
| Total domestic deposits to total assets | 83.1011% | 3,635 |
| Equity capital to assets | 10.4046% | 3,165 |
| Core capital (leverage) ratio | 10.5629% | 2,878 |
| Tier 1 risk-based capital ratio | 13.5803% | 3,611 |
| Total risk-based capital ratio | 14.5428% | 3,690 |
| Memoranda: | ||
| Average total assets | $1,257,803,000 | 629 |
| Average earning assets | $1,206,359,000 | 599 |
| Average equity | $131,570,000 | 648 |
| Average total loans | $896,779,500 | 614 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,326 |
| Cost of funding earning assets | 0.4303% | 2,957 |
| Net interest margin | 3.5938% | 3,193 |
| Noninterest income to average assets | 0.4875% | 3,077 |
| Noninterest expense to average assets | 2.3591% | 4,182 |
| Loan and lease loss provision to assets | 0.0401% | 3,465 |
| Net operating income to assets | 1.5305% | 753 |
| Return on assets (ROA) | 1.5360% | 758 |
| Pretax return on assets | 1.5360% | 1,502 |
| Return on Equity (ROE) | 14.8519% | 633 |
| Retained earnings to average equity (ytd only) | 7.7629% | 841 |
| Net charge-offs to loans | 0.0404% | 2,981 |
| Credit loss provision to net charge-offs | 141.6431% | 1,870 |
| Earnings coverage of net charge-offs (x) | 55.4674% | 1,014 |
| Efficiency ratio | 59.7857% | 4,296 |
| Assets per employee ($millions) | 5.4416% | 1,995 |
| Cash dividends to net income (ytd only)* | 47.7310% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,651 |
| Loan loss allowance to noncurrent loans | 118.7206% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 2,414 |
| Noncurrent loans to loans | 0.8814% | 2,022 |
| Net loans and leases to total assets | 70.0649% | 2,515 |
| Net loans and leases to deposits | 86.3429% | 2,218 |
| Net loans and leases to core deposits | 100.4722% | 1,677 |
| Total domestic deposits to total assets | 81.1472% | 4,085 |
| Equity capital to assets | 10.5156% | 3,153 |
| Core capital (leverage) ratio | 10.3820% | 2,981 |
| Tier 1 risk-based capital ratio | 13.3989% | 3,688 |
| Total risk-based capital ratio | 14.3587% | 3,758 |
| Memoranda: | ||
| Average total assets | $1,246,664,400 | 610 |
| Average earning assets | $1,194,065,600 | 588 |
| Average equity | $128,933,200 | 639 |
| Average total loans | $874,090,000 | 601 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,340 |
| Cost of funding earning assets | 0.4086% | 3,105 |
| Net interest margin | 3.5957% | 3,168 |
| Noninterest income to average assets | 0.4764% | 3,173 |
| Noninterest expense to average assets | 2.3418% | 4,183 |
| Loan and lease loss provision to assets | 0.0402% | 3,306 |
| Net operating income to assets | 1.5392% | 815 |
| Return on assets (ROA) | 1.5515% | 822 |
| Pretax return on assets | 1.5515% | 1,577 |
| Return on Equity (ROE) | 15.0658% | 643 |
| Retained earnings to average equity (ytd only) | 8.3148% | 1,088 |
| Net charge-offs to loans | -0.0864% | 5,334 |
| Credit loss provision to net charge-offs | -66.6075% | 4,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4725% | 4,294 |
| Assets per employee ($millions) | 5.3138% | 2,104 |
| Cash dividends to net income (ytd only)* | 44.8102% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,264 |
| Loan loss allowance to noncurrent loans | 137.3173% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 2,690 |
| Noncurrent loans to loans | 0.8287% | 2,294 |
| Net loans and leases to total assets | 69.4008% | 2,645 |
| Net loans and leases to deposits | 89.1965% | 1,906 |
| Net loans and leases to core deposits | 103.4269% | 1,439 |
| Total domestic deposits to total assets | 77.8067% | 4,761 |
| Equity capital to assets | 10.5322% | 3,342 |
| Core capital (leverage) ratio | 10.2022% | 3,312 |
| Tier 1 risk-based capital ratio | 13.2289% | 3,863 |
| Total risk-based capital ratio | 14.2735% | 3,903 |
| Memoranda: | ||
| Average total assets | $1,242,718,250 | 617 |
| Average earning assets | $1,190,561,750 | 589 |
| Average equity | $127,978,000 | 648 |
| Average total loans | $869,140,750 | 605 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 3,331 |
| Cost of funding earning assets | 0.3817% | 3,272 |
| Net interest margin | 3.5839% | 3,096 |
| Noninterest income to average assets | 0.4773% | 3,165 |
| Noninterest expense to average assets | 2.3801% | 4,115 |
| Loan and lease loss provision to assets | 0.0405% | 3,196 |
| Net operating income to assets | 1.4920% | 882 |
| Return on assets (ROA) | 1.4974% | 892 |
| Pretax return on assets | 1.4974% | 1,648 |
| Return on Equity (ROE) | 14.6544% | 712 |
| Retained earnings to average equity (ytd only) | 7.7366% | 1,267 |
| Net charge-offs to loans | -0.0796% | 5,342 |
| Credit loss provision to net charge-offs | -72.8863% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5826% | 4,226 |
| Assets per employee ($millions) | 5.2037% | 2,152 |
| Cash dividends to net income (ytd only)* | 47.2066% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,473 |
| Loan loss allowance to noncurrent loans | 123.4879% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 2,577 |
| Noncurrent loans to loans | 0.9055% | 2,162 |
| Net loans and leases to total assets | 68.8177% | 2,690 |
| Net loans and leases to deposits | 85.2255% | 2,321 |
| Net loans and leases to core deposits | 98.2063% | 1,786 |
| Total domestic deposits to total assets | 80.7478% | 4,251 |
| Equity capital to assets | 10.4295% | 3,433 |
| Core capital (leverage) ratio | 9.9786% | 3,562 |
| Tier 1 risk-based capital ratio | 13.2196% | 3,861 |
| Total risk-based capital ratio | 14.2531% | 3,913 |
| Memoranda: | ||
| Average total assets | $1,233,621,670 | 617 |
| Average earning assets | $1,182,517,330 | 595 |
| Average equity | $126,050,670 | 661 |
| Average total loans | $861,674,000 | 614 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 3,267 |
| Cost of funding earning assets | 0.3693% | 3,320 |
| Net interest margin | 3.5639% | 3,029 |
| Noninterest income to average assets | 0.4846% | 3,076 |
| Noninterest expense to average assets | 2.4414% | 3,992 |
| Loan and lease loss provision to assets | 0.0410% | 2,987 |
| Net operating income to assets | 1.4171% | 967 |
| Return on assets (ROA) | 1.4217% | 982 |
| Pretax return on assets | 1.4217% | 1,808 |
| Return on Equity (ROE) | 14.0640% | 799 |
| Retained earnings to average equity (ytd only) | 7.2248% | 1,775 |
| Net charge-offs to loans | -0.0679% | 5,311 |
| Credit loss provision to net charge-offs | -86.2069% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3561% | 4,099 |
| Assets per employee ($millions) | 5.1481% | 2,247 |
| Cash dividends to net income (ytd only)* | 48.6287% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,663 |
| Loan loss allowance to noncurrent loans | 141.0688% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 3,020 |
| Noncurrent loans to loans | 0.7865% | 2,490 |
| Net loans and leases to total assets | 68.0835% | 2,668 |
| Net loans and leases to deposits | 81.2679% | 2,595 |
| Net loans and leases to core deposits | 92.1740% | 2,144 |
| Total domestic deposits to total assets | 83.7767% | 3,561 |
| Equity capital to assets | 10.0795% | 3,657 |
| Core capital (leverage) ratio | 9.9706% | 3,536 |
| Tier 1 risk-based capital ratio | 13.2950% | 3,891 |
| Total risk-based capital ratio | 14.3220% | 3,939 |
| Memoranda: | ||
| Average total assets | $1,220,789,000 | 628 |
| Average earning assets | $1,169,714,000 | 605 |
| Average equity | $123,407,500 | 669 |
| Average total loans | $854,305,000 | 620 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 3,380 |
| Cost of funding earning assets | 0.3414% | 3,615 |
| Net interest margin | 3.6100% | 3,039 |
| Noninterest income to average assets | 0.5408% | 2,972 |
| Noninterest expense to average assets | 2.4100% | 4,284 |
| Loan and lease loss provision to assets | 0.0311% | 3,736 |
| Net operating income to assets | 1.5586% | 747 |
| Return on assets (ROA) | 1.5693% | 757 |
| Pretax return on assets | 1.5693% | 1,374 |
| Return on Equity (ROE) | 15.4286% | 573 |
| Retained earnings to average equity (ytd only) | 7.3357% | 1,099 |
| Net charge-offs to loans | 0.0631% | 2,796 |
| Credit loss provision to net charge-offs | 71.0227% | 3,119 |
| Earnings coverage of net charge-offs (x) | 36.3561% | 1,262 |
| Efficiency ratio | 60.0037% | 4,583 |
| Assets per employee ($millions) | 4.9216% | 2,483 |
| Cash dividends to net income (ytd only)* | 52.4538% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,842 |
| Loan loss allowance to noncurrent loans | 119.8048% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 2,713 |
| Noncurrent loans to loans | 0.8994% | 2,299 |
| Net loans and leases to total assets | 70.3830% | 2,415 |
| Net loans and leases to deposits | 84.0462% | 2,409 |
| Net loans and leases to core deposits | 92.2355% | 2,280 |
| Total domestic deposits to total assets | 83.7432% | 3,523 |
| Equity capital to assets | 10.1392% | 3,564 |
| Core capital (leverage) ratio | 9.8345% | 3,706 |
| Tier 1 risk-based capital ratio | 13.1093% | 3,994 |
| Total risk-based capital ratio | 14.1106% | 4,052 |
| Memoranda: | ||
| Average total assets | $1,207,520,400 | 609 |
| Average earning assets | $1,156,992,400 | 579 |
| Average equity | $122,823,800 | 650 |
| Average total loans | $836,688,800 | 602 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 3,528 |
| Cost of funding earning assets | 0.3325% | 3,758 |
| Net interest margin | 3.5836% | 3,144 |
| Noninterest income to average assets | 0.5138% | 3,156 |
| Noninterest expense to average assets | 2.4070% | 4,262 |
| Loan and lease loss provision to assets | 0.0276% | 3,686 |
| Net operating income to assets | 1.5151% | 854 |
| Return on assets (ROA) | 1.5269% | 879 |
| Pretax return on assets | 1.5269% | 1,624 |
| Return on Equity (ROE) | 15.0000% | 666 |
| Retained earnings to average equity (ytd only) | 7.2119% | 1,523 |
| Net charge-offs to loans | -0.0213% | 5,027 |
| Credit loss provision to net charge-offs | -187.9699% | 4,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6868% | 4,443 |
| Assets per employee ($millions) | 5.0446% | 2,318 |
| Cash dividends to net income (ytd only)* | 51.9209% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 3,524 |
| Loan loss allowance to noncurrent loans | 129.0122% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 2,967 |
| Noncurrent loans to loans | 0.8943% | 2,468 |
| Net loans and leases to total assets | 68.3714% | 2,743 |
| Net loans and leases to deposits | 81.8012% | 2,759 |
| Net loans and leases to core deposits | 94.1147% | 2,189 |
| Total domestic deposits to total assets | 83.5823% | 3,360 |
| Equity capital to assets | 10.4093% | 3,669 |
| Core capital (leverage) ratio | 9.8155% | 3,793 |
| Tier 1 risk-based capital ratio | 12.9992% | 4,162 |
| Total risk-based capital ratio | 14.0713% | 4,180 |
| Memoranda: | ||
| Average total assets | $1,209,181,250 | 609 |
| Average earning assets | $1,159,331,500 | 580 |
| Average equity | $123,090,000 | 652 |
| Average total loans | $832,256,000 | 604 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9093% | 3,576 |
| Cost of funding earning assets | 0.3210% | 3,891 |
| Net interest margin | 3.5883% | 3,143 |
| Noninterest income to average assets | 0.5194% | 3,075 |
| Noninterest expense to average assets | 2.4467% | 4,198 |
| Loan and lease loss provision to assets | 0.0415% | 3,323 |
| Net operating income to assets | 1.4720% | 939 |
| Return on assets (ROA) | 1.4844% | 964 |
| Pretax return on assets | 1.4844% | 1,726 |
| Return on Equity (ROE) | 14.6943% | 722 |
| Retained earnings to average equity (ytd only) | 7.3028% | 1,473 |
| Net charge-offs to loans | -0.0002% | 4,293 |
| Credit loss provision to net charge-offs | -25,000.0000% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5269% | 4,422 |
| Assets per employee ($millions) | 4.9146% | 2,396 |
| Cash dividends to net income (ytd only)* | 50.3018% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 3,686 |
| Loan loss allowance to noncurrent loans | 137.0064% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 3,241 |
| Noncurrent loans to loans | 0.8358% | 2,657 |
| Net loans and leases to total assets | 69.1868% | 2,607 |
| Net loans and leases to deposits | 86.3994% | 2,205 |
| Net loans and leases to core deposits | 98.9771% | 1,727 |
| Total domestic deposits to total assets | 80.0778% | 4,519 |
| Equity capital to assets | 10.4459% | 3,700 |
| Core capital (leverage) ratio | 9.6670% | 3,976 |
| Tier 1 risk-based capital ratio | 12.9506% | 4,230 |
| Total risk-based capital ratio | 14.0245% | 4,241 |
| Memoranda: | ||
| Average total assets | $1,205,311,000 | 607 |
| Average earning assets | $1,155,746,000 | 581 |
| Average equity | $121,761,330 | 658 |
| Average total loans | $828,203,000 | 597 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9086% | 3,557 |
| Cost of funding earning assets | 0.3142% | 4,010 |
| Net interest margin | 3.5944% | 3,110 |
| Noninterest income to average assets | 0.5657% | 2,713 |
| Noninterest expense to average assets | 2.4757% | 4,145 |
| Loan and lease loss provision to assets | 0.0414% | 3,095 |
| Net operating income to assets | 1.4945% | 865 |
| Return on assets (ROA) | 1.4975% | 901 |
| Pretax return on assets | 1.4975% | 1,595 |
| Return on Equity (ROE) | 15.0786% | 659 |
| Retained earnings to average equity (ytd only) | 7.5793% | 1,631 |
| Net charge-offs to loans | -0.0306% | 5,075 |
| Credit loss provision to net charge-offs | -198.4127% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4655% | 4,532 |
| Assets per employee ($millions) | 5.2900% | 2,042 |
| Cash dividends to net income (ytd only)* | 49.7347% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 3,635 |
| Loan loss allowance to noncurrent loans | 127.2219% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 3,214 |
| Noncurrent loans to loans | 0.9232% | 2,541 |
| Net loans and leases to total assets | 66.0263% | 2,942 |
| Net loans and leases to deposits | 78.6630% | 2,924 |
| Net loans and leases to core deposits | 88.6114% | 2,501 |
| Total domestic deposits to total assets | 83.9356% | 3,547 |
| Equity capital to assets | 10.0176% | 4,056 |
| Core capital (leverage) ratio | 9.5181% | 4,166 |
| Tier 1 risk-based capital ratio | 12.8363% | 4,368 |
| Total risk-based capital ratio | 13.9141% | 4,387 |
| Memoranda: | ||
| Average total assets | $1,208,390,500 | 608 |
| Average earning assets | $1,158,456,500 | 577 |
| Average equity | $120,011,000 | 669 |
| Average total loans | $822,671,500 | 597 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 3,379 |
| Cost of funding earning assets | 0.2929% | 4,333 |
| Net interest margin | 3.6878% | 2,792 |
| Noninterest income to average assets | 0.6639% | 2,385 |
| Noninterest expense to average assets | 2.4608% | 4,352 |
| Loan and lease loss provision to assets | 0.0380% | 3,583 |
| Net operating income to assets | 1.7003% | 577 |
| Return on assets (ROA) | 1.7231% | 574 |
| Pretax return on assets | 1.7231% | 947 |
| Return on Equity (ROE) | 17.6216% | 407 |
| Retained earnings to average equity (ytd only) | 8.8310% | 695 |
| Net charge-offs to loans | 0.0640% | 2,946 |
| Credit loss provision to net charge-offs | 85.7977% | 2,837 |
| Earnings coverage of net charge-offs (x) | 39.2665% | 1,200 |
| Efficiency ratio | 58.3879% | 5,102 |
| Assets per employee ($millions) | 5.1286% | 2,201 |
| Cash dividends to net income (ytd only)* | 49.8850% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,905 |
| Loan loss allowance to noncurrent loans | 114.7340% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 3,009 |
| Noncurrent loans to loans | 0.9800% | 2,379 |
| Net loans and leases to total assets | 68.5865% | 2,615 |
| Net loans and leases to deposits | 81.7360% | 2,627 |
| Net loans and leases to core deposits | 92.2934% | 2,188 |
| Total domestic deposits to total assets | 83.9122% | 3,514 |
| Equity capital to assets | 9.8442% | 4,139 |
| Core capital (leverage) ratio | 9.3331% | 4,421 |
| Tier 1 risk-based capital ratio | 12.4722% | 4,652 |
| Total risk-based capital ratio | 13.5186% | 4,679 |
| Memoranda: | ||
| Average total assets | $1,161,063,600 | 605 |
| Average earning assets | $1,113,055,000 | 578 |
| Average equity | $113,531,400 | 676 |
| Average total loans | $803,327,200 | 583 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 3,427 |
| Cost of funding earning assets | 0.2847% | 4,506 |
| Net interest margin | 3.6920% | 2,803 |
| Noninterest income to average assets | 0.6929% | 2,263 |
| Noninterest expense to average assets | 2.5005% | 4,191 |
| Loan and lease loss provision to assets | 0.0453% | 3,300 |
| Net operating income to assets | 1.6882% | 640 |
| Return on assets (ROA) | 1.7188% | 625 |
| Pretax return on assets | 1.7188% | 1,057 |
| Return on Equity (ROE) | 17.6089% | 429 |
| Retained earnings to average equity (ytd only) | 9.1616% | 848 |
| Net charge-offs to loans | -0.0787% | 5,703 |
| Credit loss provision to net charge-offs | -83.1915% | 5,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8523% | 5,023 |
| Assets per employee ($millions) | 5.0553% | 2,235 |
| Cash dividends to net income (ytd only)* | 47.9720% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 3,555 |
| Loan loss allowance to noncurrent loans | 153.8714% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 3,457 |
| Noncurrent loans to loans | 0.7915% | 2,984 |
| Net loans and leases to total assets | 70.5838% | 2,301 |
| Net loans and leases to deposits | 84.1848% | 2,388 |
| Net loans and leases to core deposits | 91.4783% | 2,319 |
| Total domestic deposits to total assets | 83.8438% | 3,490 |
| Equity capital to assets | 9.8385% | 4,354 |
| Core capital (leverage) ratio | 9.2186% | 4,705 |
| Tier 1 risk-based capital ratio | 12.3390% | 4,861 |
| Total risk-based capital ratio | 13.5019% | 4,819 |
| Memoranda: | ||
| Average total assets | $1,151,309,250 | 615 |
| Average earning assets | $1,104,282,750 | 587 |
| Average equity | $112,379,750 | 688 |
| Average total loans | $796,045,750 | 593 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 3,541 |
| Cost of funding earning assets | 0.2742% | 4,679 |
| Net interest margin | 3.6643% | 2,859 |
| Noninterest income to average assets | 0.6738% | 2,330 |
| Noninterest expense to average assets | 2.4782% | 4,307 |
| Loan and lease loss provision to assets | 0.0387% | 3,341 |
| Net operating income to assets | 1.6719% | 656 |
| Return on assets (ROA) | 1.7101% | 649 |
| Pretax return on assets | 1.7101% | 1,065 |
| Return on Equity (ROE) | 17.5675% | 441 |
| Retained earnings to average equity (ytd only) | 8.7333% | 1,015 |
| Net charge-offs to loans | -0.1529% | 5,939 |
| Credit loss provision to net charge-offs | -37.0805% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9737% | 5,113 |
| Assets per employee ($millions) | 5.1148% | 2,129 |
| Cash dividends to net income (ytd only)* | 50.2871% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 3,876 |
| Loan loss allowance to noncurrent loans | 150.0732% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5739% | 3,688 |
| Noncurrent loans to loans | 0.7898% | 3,133 |
| Net loans and leases to total assets | 71.0899% | 2,145 |
| Net loans and leases to deposits | 87.0515% | 1,936 |
| Net loans and leases to core deposits | 96.0810% | 1,792 |
| Total domestic deposits to total assets | 81.6642% | 4,401 |
| Equity capital to assets | 9.3865% | 4,797 |
| Core capital (leverage) ratio | 8.9692% | 5,013 |
| Tier 1 risk-based capital ratio | 10.9625% | 5,731 |
| Total risk-based capital ratio | 12.0191% | 5,757 |
| Memoranda: | ||
| Average total assets | $1,140,769,000 | 621 |
| Average earning assets | $1,094,276,000 | 587 |
| Average equity | $111,045,670 | 697 |
| Average total loans | $779,644,000 | 600 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 4,025 |
| Cost of funding earning assets | 0.2641% | 4,860 |
| Net interest margin | 3.5321% | 3,295 |
| Noninterest income to average assets | 0.6777% | 2,262 |
| Noninterest expense to average assets | 2.4598% | 4,407 |
| Loan and lease loss provision to assets | 0.0184% | 3,480 |
| Net operating income to assets | 1.5915% | 718 |
| Return on assets (ROA) | 1.6070% | 736 |
| Pretax return on assets | 1.6070% | 1,255 |
| Return on Equity (ROE) | 16.1951% | 543 |
| Retained earnings to average equity (ytd only) | 7.1171% | 1,968 |
| Net charge-offs to loans | -0.2182% | 6,072 |
| Credit loss provision to net charge-offs | -12.6866% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3364% | 5,049 |
| Assets per employee ($millions) | 5.1775% | 2,142 |
| Cash dividends to net income (ytd only)* | 56.0538% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 3,227 |
| Loan loss allowance to noncurrent loans | 110.2979% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 3,073 |
| Noncurrent loans to loans | 1.2090% | 2,355 |
| Net loans and leases to total assets | 65.7095% | 2,821 |
| Net loans and leases to deposits | 77.7835% | 2,832 |
| Net loans and leases to core deposits | 85.4360% | 2,607 |
| Total domestic deposits to total assets | 84.4775% | 3,622 |
| Equity capital to assets | 10.0209% | 4,123 |
| Core capital (leverage) ratio | 9.6688% | 4,051 |
| Tier 1 risk-based capital ratio | 12.4222% | 4,963 |
| Total risk-based capital ratio | 13.5642% | 4,949 |
| Memoranda: | ||
| Average total assets | $1,110,162,000 | 638 |
| Average earning assets | $1,066,107,500 | 599 |
| Average equity | $110,156,500 | 699 |
| Average total loans | $737,096,500 | 632 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 3,400 |
| Cost of funding earning assets | 0.2759% | 5,043 |
| Net interest margin | 3.8038% | 2,612 |
| Noninterest income to average assets | 0.6904% | 2,346 |
| Noninterest expense to average assets | 2.5592% | 4,364 |
| Loan and lease loss provision to assets | -0.0473% | 6,024 |
| Net operating income to assets | 1.8105% | 469 |
| Return on assets (ROA) | 1.8273% | 470 |
| Pretax return on assets | 1.8273% | 753 |
| Return on Equity (ROE) | 18.7591% | 336 |
| Retained earnings to average equity (ytd only) | 9.9078% | 532 |
| Net charge-offs to loans | 0.0309% | 4,208 |
| Credit loss provision to net charge-offs | -230.9859% | 5,660 |
| Earnings coverage of net charge-offs (x) | 86.0704% | 591 |
| Efficiency ratio | 59.0637% | 5,338 |
| Assets per employee ($millions) | 4.8773% | 2,492 |
| Cash dividends to net income (ytd only)* | 47.1842% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 3,500 |
| Loan loss allowance to noncurrent loans | 124.9735% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 3,498 |
| Noncurrent loans to loans | 1.0300% | 2,767 |
| Net loans and leases to total assets | 65.3401% | 2,997 |
| Net loans and leases to deposits | 77.2412% | 3,054 |
| Net loans and leases to core deposits | 85.5771% | 2,728 |
| Total domestic deposits to total assets | 84.5922% | 3,457 |
| Equity capital to assets | 9.8236% | 4,320 |
| Core capital (leverage) ratio | 9.7070% | 3,966 |
| Tier 1 risk-based capital ratio | 13.0535% | 4,694 |
| Total risk-based capital ratio | 14.2215% | 4,655 |
| Memoranda: | ||
| Average total assets | $1,039,786,800 | 649 |
| Average earning assets | $992,805,400 | 612 |
| Average equity | $101,284,000 | 725 |
| Average total loans | $690,285,200 | 626 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,234 |
| Cost of funding earning assets | 0.2781% | 5,119 |
| Net interest margin | 3.8576% | 2,401 |
| Noninterest income to average assets | 0.7100% | 2,279 |
| Noninterest expense to average assets | 2.5865% | 4,236 |
| Loan and lease loss provision to assets | -0.0381% | 6,144 |
| Net operating income to assets | 1.8412% | 472 |
| Return on assets (ROA) | 1.8639% | 463 |
| Pretax return on assets | 1.8639% | 772 |
| Return on Equity (ROE) | 19.1785% | 333 |
| Retained earnings to average equity (ytd only) | 9.1936% | 928 |
| Net charge-offs to loans | -0.0126% | 5,486 |
| Credit loss provision to net charge-offs | 456.2500% | 623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7683% | 5,337 |
| Assets per employee ($millions) | 4.5928% | 2,822 |
| Cash dividends to net income (ytd only)* | 52.0629% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 3,125 |
| Loan loss allowance to noncurrent loans | 114.1968% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8225% | 3,365 |
| Noncurrent loans to loans | 1.2353% | 2,573 |
| Net loans and leases to total assets | 65.2807% | 2,984 |
| Net loans and leases to deposits | 77.3400% | 3,023 |
| Net loans and leases to core deposits | 86.2890% | 2,633 |
| Total domestic deposits to total assets | 84.4075% | 3,585 |
| Equity capital to assets | 9.8306% | 4,385 |
| Core capital (leverage) ratio | 9.6991% | 4,076 |
| Tier 1 risk-based capital ratio | 13.1906% | 4,735 |
| Total risk-based capital ratio | 14.4409% | 4,672 |
| Memoranda: | ||
| Average total assets | $1,022,944,750 | 656 |
| Average earning assets | $975,752,750 | 615 |
| Average equity | $99,414,250 | 738 |
| Average total loans | $679,644,250 | 635 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 3,346 |
| Cost of funding earning assets | 0.2784% | 5,212 |
| Net interest margin | 3.8205% | 2,481 |
| Noninterest income to average assets | 0.7028% | 2,263 |
| Noninterest expense to average assets | 2.6418% | 4,090 |
| Loan and lease loss provision to assets | 0.0010% | 4,189 |
| Net operating income to assets | 1.6971% | 580 |
| Return on assets (ROA) | 1.7239% | 580 |
| Pretax return on assets | 1.7239% | 969 |
| Return on Equity (ROE) | 17.8101% | 479 |
| Retained earnings to average equity (ytd only) | 6.8782% | 1,827 |
| Net charge-offs to loans | -0.0583% | 5,944 |
| Credit loss provision to net charge-offs | -2.5510% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7125% | 5,189 |
| Assets per employee ($millions) | 4.7546% | 2,539 |
| Cash dividends to net income (ytd only)* | 61.3803% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 2,940 |
| Loan loss allowance to noncurrent loans | 115.9081% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 3,441 |
| Noncurrent loans to loans | 1.2872% | 2,654 |
| Net loans and leases to total assets | 64.6734% | 2,967 |
| Net loans and leases to deposits | 78.3296% | 2,753 |
| Net loans and leases to core deposits | 87.4175% | 2,375 |
| Total domestic deposits to total assets | 82.5657% | 4,461 |
| Equity capital to assets | 9.5949% | 4,633 |
| Core capital (leverage) ratio | 9.5347% | 4,274 |
| Tier 1 risk-based capital ratio | 13.1502% | 4,822 |
| Total risk-based capital ratio | 14.4017% | 4,750 |
| Memoranda: | ||
| Average total assets | $1,010,282,330 | 661 |
| Average earning assets | $961,809,000 | 632 |
| Average equity | $97,787,000 | 748 |
| Average total loans | $672,027,670 | 639 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,285 |
| Cost of funding earning assets | 0.2889% | 5,181 |
| Net interest margin | 3.8110% | 2,424 |
| Noninterest income to average assets | 0.6055% | 2,706 |
| Noninterest expense to average assets | 2.7831% | 3,629 |
| Loan and lease loss provision to assets | 0.0016% | 3,804 |
| Net operating income to assets | 1.4430% | 910 |
| Return on assets (ROA) | 1.4430% | 944 |
| Pretax return on assets | 1.4430% | 1,599 |
| Return on Equity (ROE) | 14.8393% | 806 |
| Retained earnings to average equity (ytd only) | 5.4684% | 2,802 |
| Net charge-offs to loans | -0.0302% | 5,558 |
| Credit loss provision to net charge-offs | -8.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6576% | 4,585 |
| Assets per employee ($millions) | 4.3338% | 3,278 |
| Cash dividends to net income (ytd only)* | 63.1490% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 2,914 |
| Loan loss allowance to noncurrent loans | 154.7525% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 4,045 |
| Noncurrent loans to loans | 1.0027% | 3,414 |
| Net loans and leases to total assets | 63.7668% | 2,939 |
| Net loans and leases to deposits | 74.7769% | 2,973 |
| Net loans and leases to core deposits | 82.5946% | 2,677 |
| Total domestic deposits to total assets | 85.2761% | 3,729 |
| Equity capital to assets | 9.5862% | 4,377 |
| Core capital (leverage) ratio | 9.4888% | 4,299 |
| Tier 1 risk-based capital ratio | 13.4377% | 4,737 |
| Total risk-based capital ratio | 14.6897% | 4,670 |
| Memoranda: | ||
| Average total assets | $987,659,000 | 681 |
| Average earning assets | $938,748,500 | 650 |
| Average equity | $96,042,000 | 760 |
| Average total loans | $661,549,000 | 648 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,917 |
| Cost of funding earning assets | 0.3826% | 4,820 |
| Net interest margin | 3.9291% | 2,187 |
| Noninterest income to average assets | 0.7905% | 2,125 |
| Noninterest expense to average assets | 2.6327% | 4,342 |
| Loan and lease loss provision to assets | 0.0346% | 4,429 |
| Net operating income to assets | 1.8230% | 463 |
| Return on assets (ROA) | 1.8665% | 435 |
| Pretax return on assets | 1.9029% | 597 |
| Return on Equity (ROE) | 20.1416% | 272 |
| Retained earnings to average equity (ytd only) | 12.2534% | 290 |
| Net charge-offs to loans | 0.1837% | 3,002 |
| Credit loss provision to net charge-offs | 27.9675% | 4,291 |
| Earnings coverage of net charge-offs (x) | 15.2878% | 1,880 |
| Efficiency ratio | 57.9948% | 5,736 |
| Assets per employee ($millions) | 4.0729% | 3,706 |
| Cash dividends to net income (ytd only)* | 39.1640% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 3,086 |
| Loan loss allowance to noncurrent loans | 154.2370% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 4,054 |
| Noncurrent loans to loans | 0.9866% | 3,546 |
| Net loans and leases to total assets | 68.2581% | 2,306 |
| Net loans and leases to deposits | 81.4272% | 2,259 |
| Net loans and leases to core deposits | 86.4698% | 2,397 |
| Total domestic deposits to total assets | 83.8271% | 4,230 |
| Equity capital to assets | 9.8698% | 3,938 |
| Core capital (leverage) ratio | 9.2442% | 4,647 |
| Tier 1 risk-based capital ratio | 13.0605% | 4,936 |
| Total risk-based capital ratio | 14.3122% | 4,881 |
| Memoranda: | ||
| Average total assets | $993,282,000 | 661 |
| Average earning assets | $944,276,200 | 627 |
| Average equity | $92,048,200 | 763 |
| Average total loans | $669,716,800 | 628 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 3,193 |
| Cost of funding earning assets | 0.3968% | 4,841 |
| Net interest margin | 3.8545% | 2,446 |
| Noninterest income to average assets | 0.8274% | 2,018 |
| Noninterest expense to average assets | 2.6474% | 4,211 |
| Loan and lease loss provision to assets | 0.0387% | 4,235 |
| Net operating income to assets | 1.7584% | 573 |
| Return on assets (ROA) | 1.7767% | 575 |
| Pretax return on assets | 1.8248% | 852 |
| Return on Equity (ROE) | 19.4763% | 337 |
| Retained earnings to average equity (ytd only) | 10.4833% | 692 |
| Net charge-offs to loans | -0.0080% | 5,850 |
| Credit loss provision to net charge-offs | -727.5000% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7609% | 5,594 |
| Assets per employee ($millions) | 4.5186% | 2,853 |
| Cash dividends to net income (ytd only)* | 46.1740% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 2,632 |
| Loan loss allowance to noncurrent loans | 88.6417% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 3,037 |
| Noncurrent loans to loans | 1.9130% | 2,347 |
| Net loans and leases to total assets | 64.4596% | 2,924 |
| Net loans and leases to deposits | 74.8464% | 3,107 |
| Net loans and leases to core deposits | 82.7262% | 2,803 |
| Total domestic deposits to total assets | 86.1226% | 3,183 |
| Equity capital to assets | 8.9242% | 5,276 |
| Core capital (leverage) ratio | 9.1035% | 4,964 |
| Tier 1 risk-based capital ratio | 12.5530% | 5,425 |
| Total risk-based capital ratio | 13.8070% | 5,370 |
| Memoranda: | ||
| Average total assets | $1,001,298,750 | 659 |
| Average earning assets | $951,973,250 | 628 |
| Average equity | $91,342,750 | 776 |
| Average total loans | $670,584,750 | 626 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 3,154 |
| Cost of funding earning assets | 0.4193% | 4,758 |
| Net interest margin | 3.8310% | 2,444 |
| Noninterest income to average assets | 0.8899% | 1,848 |
| Noninterest expense to average assets | 2.6793% | 4,110 |
| Loan and lease loss provision to assets | 0.0485% | 4,009 |
| Net operating income to assets | 1.7300% | 598 |
| Return on assets (ROA) | 1.7574% | 607 |
| Pretax return on assets | 1.8300% | 867 |
| Return on Equity (ROE) | 19.1221% | 373 |
| Retained earnings to average equity (ytd only) | 9.3620% | 1,006 |
| Net charge-offs to loans | -0.0063% | 5,676 |
| Credit loss provision to net charge-offs | -1,147.6190% | 6,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9834% | 5,603 |
| Assets per employee ($millions) | 4.3446% | 3,095 |
| Cash dividends to net income (ytd only)* | 51.0412% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 2,920 |
| Loan loss allowance to noncurrent loans | 77.9959% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.5204% | 2,825 |
| Noncurrent loans to loans | 2.1351% | 2,246 |
| Net loans and leases to total assets | 67.5748% | 2,328 |
| Net loans and leases to deposits | 79.5958% | 2,383 |
| Net loans and leases to core deposits | 89.9950% | 1,906 |
| Total domestic deposits to total assets | 84.8975% | 3,941 |
| Equity capital to assets | 9.0826% | 5,133 |
| Core capital (leverage) ratio | 8.6067% | 5,549 |
| Tier 1 risk-based capital ratio | 12.2345% | 5,656 |
| Total risk-based capital ratio | 13.4883% | 5,601 |
| Memoranda: | ||
| Average total assets | $994,663,670 | 661 |
| Average earning assets | $944,880,670 | 633 |
| Average equity | $91,412,330 | 774 |
| Average total loans | $670,906,670 | 622 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 3,228 |
| Cost of funding earning assets | 0.4387% | 4,718 |
| Net interest margin | 3.7773% | 2,532 |
| Noninterest income to average assets | 0.8341% | 1,989 |
| Noninterest expense to average assets | 2.7246% | 3,964 |
| Loan and lease loss provision to assets | 0.0765% | 3,353 |
| Net operating income to assets | 1.5365% | 791 |
| Return on assets (ROA) | 1.5369% | 867 |
| Pretax return on assets | 1.6158% | 1,267 |
| Return on Equity (ROE) | 16.6271% | 541 |
| Retained earnings to average equity (ytd only) | 6.2298% | 2,548 |
| Net charge-offs to loans | -0.2793% | 6,757 |
| Credit loss provision to net charge-offs | -40.9871% | 5,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5106% | 5,372 |
| Assets per employee ($millions) | 4.5297% | 2,918 |
| Cash dividends to net income (ytd only)* | 62.5326% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 2,696 |
| Loan loss allowance to noncurrent loans | 159.1417% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 4,281 |
| Noncurrent loans to loans | 1.1179% | 3,912 |
| Net loans and leases to total assets | 63.2772% | 2,834 |
| Net loans and leases to deposits | 74.4658% | 2,862 |
| Net loans and leases to core deposits | 84.0106% | 2,317 |
| Total domestic deposits to total assets | 84.9749% | 4,051 |
| Equity capital to assets | 9.0848% | 5,383 |
| Core capital (leverage) ratio | 8.5420% | 5,524 |
| Tier 1 risk-based capital ratio | 12.2188% | 5,776 |
| Total risk-based capital ratio | 13.4739% | 5,734 |
| Memoranda: | ||
| Average total assets | $998,881,500 | 668 |
| Average earning assets | $947,336,000 | 638 |
| Average equity | $92,331,000 | 774 |
| Average total loans | $667,496,000 | 629 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 2,485 |
| Cost of funding earning assets | 0.5609% | 4,722 |
| Net interest margin | 4.1668% | 1,755 |
| Noninterest income to average assets | 0.7862% | 2,325 |
| Noninterest expense to average assets | 2.6175% | 4,683 |
| Loan and lease loss provision to assets | 0.0966% | 4,443 |
| Net operating income to assets | 1.9479% | 396 |
| Return on assets (ROA) | 1.9913% | 394 |
| Pretax return on assets | 2.0675% | 523 |
| Return on Equity (ROE) | 21.8389% | 227 |
| Retained earnings to average equity (ytd only) | 13.3727% | 234 |
| Net charge-offs to loans | 0.1343% | 4,338 |
| Credit loss provision to net charge-offs | 104.3231% | 2,864 |
| Earnings coverage of net charge-offs (x) | 22.8896% | 1,238 |
| Efficiency ratio | 55.0874% | 6,159 |
| Assets per employee ($millions) | 4.5096% | 2,942 |
| Cash dividends to net income (ytd only)* | 38.7667% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,202 |
| Loan loss allowance to noncurrent loans | 153.9450% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 4,200 |
| Noncurrent loans to loans | 1.0556% | 4,097 |
| Net loans and leases to total assets | 68.1985% | 2,154 |
| Net loans and leases to deposits | 81.4270% | 2,084 |
| Net loans and leases to core deposits | 89.3777% | 1,914 |
| Total domestic deposits to total assets | 83.7541% | 4,416 |
| Equity capital to assets | 9.4087% | 4,987 |
| Core capital (leverage) ratio | 8.6612% | 5,380 |
| Tier 1 risk-based capital ratio | 11.9766% | 5,806 |
| Total risk-based capital ratio | 13.2307% | 5,754 |
| Memoranda: | ||
| Average total assets | $949,542,000 | 694 |
| Average earning assets | $900,189,600 | 656 |
| Average equity | $86,579,600 | 800 |
| Average total loans | $654,732,200 | 632 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 2,545 |
| Cost of funding earning assets | 0.5783% | 4,850 |
| Net interest margin | 4.1805% | 1,797 |
| Noninterest income to average assets | 0.7213% | 2,615 |
| Noninterest expense to average assets | 2.5918% | 4,772 |
| Loan and lease loss provision to assets | 0.1273% | 3,955 |
| Net operating income to assets | 1.8887% | 464 |
| Return on assets (ROA) | 1.9307% | 493 |
| Pretax return on assets | 2.0200% | 674 |
| Return on Equity (ROE) | 21.3515% | 269 |
| Retained earnings to average equity (ytd only) | 13.2537% | 373 |
| Net charge-offs to loans | -0.1987% | 6,988 |
| Credit loss provision to net charge-offs | -93.0714% | 6,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0205% | 6,148 |
| Assets per employee ($millions) | 4.4056% | 3,064 |
| Cash dividends to net income (ytd only)* | 37.9260% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8549% | 2,629 |
| Loan loss allowance to noncurrent loans | 448.6213% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 5,545 |
| Noncurrent loans to loans | 0.4135% | 5,626 |
| Net loans and leases to total assets | 70.8090% | 1,760 |
| Net loans and leases to deposits | 85.4096% | 1,672 |
| Net loans and leases to core deposits | 96.2366% | 1,396 |
| Total domestic deposits to total assets | 82.9053% | 4,676 |
| Equity capital to assets | 9.3639% | 5,389 |
| Core capital (leverage) ratio | 8.5042% | 5,746 |
| Tier 1 risk-based capital ratio | 11.4026% | 6,291 |
| Total risk-based capital ratio | 12.6596% | 6,245 |
| Memoranda: | ||
| Average total assets | $942,283,500 | 704 |
| Average earning assets | $895,751,500 | 667 |
| Average equity | $85,206,750 | 825 |
| Average total loans | $648,815,750 | 642 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 2,741 |
| Cost of funding earning assets | 0.5963% | 4,932 |
| Net interest margin | 4.1479% | 1,915 |
| Noninterest income to average assets | 0.7009% | 2,666 |
| Noninterest expense to average assets | 2.6235% | 4,699 |
| Loan and lease loss provision to assets | 0.1282% | 3,921 |
| Net operating income to assets | 1.8078% | 555 |
| Return on assets (ROA) | 1.8254% | 604 |
| Pretax return on assets | 1.9053% | 835 |
| Return on Equity (ROE) | 20.4350% | 326 |
| Retained earnings to average equity (ytd only) | 12.5432% | 500 |
| Net charge-offs to loans | -0.0845% | 6,821 |
| Credit loss provision to net charge-offs | -223.8806% | 6,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3784% | 6,076 |
| Assets per employee ($millions) | 4.2928% | 3,268 |
| Cash dividends to net income (ytd only)* | 38.6191% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8079% | 2,830 |
| Loan loss allowance to noncurrent loans | 211.7542% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 4,907 |
| Noncurrent loans to loans | 0.8538% | 4,811 |
| Net loans and leases to total assets | 68.4834% | 2,204 |
| Net loans and leases to deposits | 82.3249% | 2,074 |
| Net loans and leases to core deposits | 92.9984% | 1,684 |
| Total domestic deposits to total assets | 83.1868% | 4,683 |
| Equity capital to assets | 9.1454% | 5,533 |
| Core capital (leverage) ratio | 8.1506% | 6,094 |
| Tier 1 risk-based capital ratio | 11.5051% | 6,213 |
| Total risk-based capital ratio | 12.7615% | 6,189 |
| Memoranda: | ||
| Average total assets | $936,234,670 | 709 |
| Average earning assets | $888,776,670 | 672 |
| Average equity | $83,631,000 | 830 |
| Average total loans | $634,113,000 | 660 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 3,136 |
| Cost of funding earning assets | 0.6149% | 5,010 |
| Net interest margin | 4.0644% | 2,237 |
| Noninterest income to average assets | 0.6940% | 2,685 |
| Noninterest expense to average assets | 2.6848% | 4,481 |
| Loan and lease loss provision to assets | 0.1284% | 3,737 |
| Net operating income to assets | 1.6713% | 758 |
| Return on assets (ROA) | 1.6984% | 801 |
| Pretax return on assets | 1.7605% | 1,170 |
| Return on Equity (ROE) | 19.2437% | 434 |
| Retained earnings to average equity (ytd only) | 18.8654% | 219 |
| Net charge-offs to loans | -0.0712% | 6,672 |
| Credit loss provision to net charge-offs | -270.2703% | 5,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8773% | 5,788 |
| Assets per employee ($millions) | 4.3500% | 3,303 |
| Cash dividends to net income (ytd only)* | 1.9662% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 2,910 |
| Loan loss allowance to noncurrent loans | 387.3895% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 5,640 |
| Noncurrent loans to loans | 0.4709% | 5,734 |
| Net loans and leases to total assets | 64.9721% | 2,654 |
| Net loans and leases to deposits | 77.1063% | 2,660 |
| Net loans and leases to core deposits | 87.0081% | 2,181 |
| Total domestic deposits to total assets | 84.2631% | 4,373 |
| Equity capital to assets | 8.9265% | 5,600 |
| Core capital (leverage) ratio | 8.3549% | 5,804 |
| Tier 1 risk-based capital ratio | 11.8856% | 6,034 |
| Total risk-based capital ratio | 13.1422% | 6,020 |
| Memoranda: | ||
| Average total assets | $934,293,500 | 709 |
| Average earning assets | $885,348,500 | 679 |
| Average equity | $82,458,000 | 839 |
| Average total loans | $623,330,500 | 667 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9188% | 3,269 |
| Cost of funding earning assets | 0.7591% | 5,141 |
| Net interest margin | 4.1596% | 2,197 |
| Noninterest income to average assets | 0.6639% | 2,817 |
| Noninterest expense to average assets | 2.5764% | 5,181 |
| Loan and lease loss provision to assets | 0.4536% | 2,331 |
| Net operating income to assets | 1.5319% | 774 |
| Return on assets (ROA) | 1.5530% | 799 |
| Pretax return on assets | 1.5979% | 1,205 |
| Return on Equity (ROE) | 17.1873% | 456 |
| Retained earnings to average equity (ytd only) | 10.4090% | 490 |
| Net charge-offs to loans | 0.3403% | 3,699 |
| Credit loss provision to net charge-offs | 199.2541% | 1,262 |
| Earnings coverage of net charge-offs (x) | 8.9158% | 2,068 |
| Efficiency ratio | 55.7823% | 6,341 |
| Assets per employee ($millions) | 4.2610% | 3,341 |
| Cash dividends to net income (ytd only)* | 39.4377% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 2,979 |
| Loan loss allowance to noncurrent loans | 352.2283% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 5,660 |
| Noncurrent loans to loans | 0.5015% | 5,706 |
| Net loans and leases to total assets | 66.0771% | 2,765 |
| Net loans and leases to deposits | 78.4137% | 2,771 |
| Net loans and leases to core deposits | 88.4334% | 2,329 |
| Total domestic deposits to total assets | 84.2673% | 4,210 |
| Equity capital to assets | 8.7228% | 5,876 |
| Core capital (leverage) ratio | 8.1988% | 6,000 |
| Tier 1 risk-based capital ratio | 11.2404% | 6,322 |
| Total risk-based capital ratio | 12.4961% | 6,293 |
| Memoranda: | ||
| Average total assets | $824,516,200 | 790 |
| Average earning assets | $781,415,200 | 755 |
| Average equity | $74,502,800 | 906 |
| Average total loans | $551,552,400 | 765 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 3,525 |
| Cost of funding earning assets | 0.7831% | 5,258 |
| Net interest margin | 4.1235% | 2,384 |
| Noninterest income to average assets | 0.6331% | 2,972 |
| Noninterest expense to average assets | 2.5431% | 5,305 |
| Loan and lease loss provision to assets | 0.4921% | 2,018 |
| Net operating income to assets | 1.4632% | 1,021 |
| Return on assets (ROA) | 1.4876% | 1,047 |
| Pretax return on assets | 1.5378% | 1,549 |
| Return on Equity (ROE) | 16.2997% | 637 |
| Retained earnings to average equity (ytd only) | 9.5386% | 972 |
| Net charge-offs to loans | 0.1191% | 4,836 |
| Credit loss provision to net charge-offs | 618.6583% | 435 |
| Earnings coverage of net charge-offs (x) | 25.2014% | 1,055 |
| Efficiency ratio | 55.7792% | 6,311 |
| Assets per employee ($millions) | 4.3164% | 3,245 |
| Cash dividends to net income (ytd only)* | 41.4798% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0665% | 2,154 |
| Loan loss allowance to noncurrent loans | 240.3523% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8116% | 5,148 |
| Noncurrent loans to loans | 0.8598% | 5,141 |
| Net loans and leases to total assets | 66.6625% | 2,755 |
| Net loans and leases to deposits | 83.0894% | 2,158 |
| Net loans and leases to core deposits | 97.0546% | 1,504 |
| Total domestic deposits to total assets | 80.2299% | 5,668 |
| Equity capital to assets | 9.4658% | 5,138 |
| Core capital (leverage) ratio | 8.7169% | 5,379 |
| Tier 1 risk-based capital ratio | 12.1018% | 5,818 |
| Total risk-based capital ratio | 13.3609% | 5,803 |
| Memoranda: | ||
| Average total assets | $799,485,000 | 830 |
| Average earning assets | $759,017,000 | 785 |
| Average equity | $72,964,750 | 930 |
| Average total loans | $533,950,000 | 795 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 3,941 |
| Cost of funding earning assets | 0.8050% | 5,333 |
| Net interest margin | 4.0276% | 2,705 |
| Noninterest income to average assets | 0.6123% | 3,053 |
| Noninterest expense to average assets | 2.5598% | 5,327 |
| Loan and lease loss provision to assets | 0.4467% | 2,194 |
| Net operating income to assets | 1.3834% | 1,118 |
| Return on assets (ROA) | 1.4204% | 1,107 |
| Pretax return on assets | 1.4672% | 1,621 |
| Return on Equity (ROE) | 15.7675% | 693 |
| Retained earnings to average equity (ytd only) | 8.8925% | 1,144 |
| Net charge-offs to loans | 0.1692% | 4,163 |
| Credit loss provision to net charge-offs | 397.9730% | 760 |
| Earnings coverage of net charge-offs (x) | 16.7117% | 1,325 |
| Efficiency ratio | 57.5630% | 6,219 |
| Assets per employee ($millions) | 4.1758% | 3,397 |
| Cash dividends to net income (ytd only)* | 43.6021% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 2,487 |
| Loan loss allowance to noncurrent loans | 137.9921% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 1.2458% | 4,407 |
| Noncurrent loans to loans | 1.4184% | 4,296 |
| Net loans and leases to total assets | 65.9529% | 3,038 |
| Net loans and leases to deposits | 81.3881% | 2,544 |
| Net loans and leases to core deposits | 95.0605% | 1,786 |
| Total domestic deposits to total assets | 81.0350% | 5,517 |
| Equity capital to assets | 9.3713% | 5,033 |
| Core capital (leverage) ratio | 8.6175% | 5,366 |
| Tier 1 risk-based capital ratio | 11.9164% | 5,851 |
| Total risk-based capital ratio | 13.1734% | 5,823 |
| Memoranda: | ||
| Average total assets | $791,170,000 | 846 |
| Average earning assets | $751,020,330 | 810 |
| Average equity | $71,273,330 | 954 |
| Average total loans | $524,872,330 | 817 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 4,272 |
| Cost of funding earning assets | 0.8191% | 5,468 |
| Net interest margin | 3.9368% | 2,973 |
| Noninterest income to average assets | 0.6562% | 2,803 |
| Noninterest expense to average assets | 2.6580% | 5,001 |
| Loan and lease loss provision to assets | 0.4476% | 1,971 |
| Net operating income to assets | 1.2560% | 1,374 |
| Return on assets (ROA) | 1.2672% | 1,400 |
| Pretax return on assets | 1.3072% | 2,019 |
| Return on Equity (ROE) | 14.3573% | 925 |
| Retained earnings to average equity (ytd only) | 7.1873% | 2,074 |
| Net charge-offs to loans | -0.0277% | 6,682 |
| Credit loss provision to net charge-offs | -2,455.5556% | 6,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2554% | 5,951 |
| Assets per employee ($millions) | 4.2141% | 3,439 |
| Cash dividends to net income (ytd only)* | 49.9401% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 2,529 |
| Loan loss allowance to noncurrent loans | 118.8521% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 1.3786% | 4,220 |
| Noncurrent loans to loans | 1.6452% | 4,015 |
| Net loans and leases to total assets | 62.5640% | 3,740 |
| Net loans and leases to deposits | 76.1128% | 3,399 |
| Net loans and leases to core deposits | 87.0832% | 2,723 |
| Total domestic deposits to total assets | 82.1991% | 5,226 |
| Equity capital to assets | 8.7798% | 5,525 |
| Core capital (leverage) ratio | 8.4697% | 5,515 |
| Tier 1 risk-based capital ratio | 12.0055% | 5,687 |
| Total risk-based capital ratio | 13.2624% | 5,670 |
| Memoranda: | ||
| Average total assets | $790,058,000 | 853 |
| Average earning assets | $751,571,000 | 814 |
| Average equity | $69,734,500 | 964 |
| Average total loans | $520,452,500 | 834 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 3,760 |
| Cost of funding earning assets | 1.0745% | 5,290 |
| Net interest margin | 4.0937% | 2,592 |
| Noninterest income to average assets | 0.7562% | 2,510 |
| Noninterest expense to average assets | 2.6105% | 5,371 |
| Loan and lease loss provision to assets | 0.8003% | 2,033 |
| Net operating income to assets | 1.1955% | 1,423 |
| Return on assets (ROA) | 1.2141% | 1,456 |
| Pretax return on assets | 1.2399% | 2,104 |
| Return on Equity (ROE) | 13.5793% | 969 |
| Retained earnings to average equity (ytd only) | 9.4305% | 614 |
| Net charge-offs to loans | 0.8534% | 2,501 |
| Credit loss provision to net charge-offs | 133.4158% | 2,929 |
| Earnings coverage of net charge-offs (x) | 3.3695% | 3,397 |
| Efficiency ratio | 56.2134% | 6,575 |
| Assets per employee ($millions) | 4.0802% | 3,617 |
| Cash dividends to net income (ytd only)* | 30.5522% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7302% | 3,102 |
| Loan loss allowance to noncurrent loans | 236.6537% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.8238% | 5,349 |
| Noncurrent loans to loans | 0.7311% | 5,586 |
| Net loans and leases to total assets | 66.8408% | 3,262 |
| Net loans and leases to deposits | 81.7797% | 2,856 |
| Net loans and leases to core deposits | 94.4363% | 2,207 |
| Total domestic deposits to total assets | 81.7328% | 5,273 |
| Equity capital to assets | 8.8750% | 5,319 |
| Core capital (leverage) ratio | 8.4614% | 5,434 |
| Tier 1 risk-based capital ratio | 10.9261% | 6,387 |
| Total risk-based capital ratio | 12.1794% | 6,356 |
| Memoranda: | ||
| Average total assets | $741,344,600 | 911 |
| Average earning assets | $701,837,800 | 877 |
| Average equity | $66,284,600 | 1,011 |
| Average total loans | $521,097,600 | 864 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1892% | 3,884 |
| Cost of funding earning assets | 1.1229% | 5,301 |
| Net interest margin | 4.0663% | 2,783 |
| Noninterest income to average assets | 0.6495% | 3,129 |
| Noninterest expense to average assets | 2.5443% | 5,547 |
| Loan and lease loss provision to assets | 0.7686% | 1,987 |
| Net operating income to assets | 1.1509% | 1,730 |
| Return on assets (ROA) | 1.1692% | 1,772 |
| Pretax return on assets | 1.2016% | 2,481 |
| Return on Equity (ROE) | 13.0517% | 1,240 |
| Retained earnings to average equity (ytd only) | 9.1932% | 990 |
| Net charge-offs to loans | 0.9295% | 2,135 |
| Credit loss provision to net charge-offs | 116.6483% | 3,566 |
| Earnings coverage of net charge-offs (x) | 2.9613% | 3,646 |
| Efficiency ratio | 56.4405% | 6,495 |
| Assets per employee ($millions) | 4.1879% | 3,465 |
| Cash dividends to net income (ytd only)* | 29.5628% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 3,779 |
| Loan loss allowance to noncurrent loans | 124.0777% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 1.2100% | 4,726 |
| Noncurrent loans to loans | 1.2400% | 4,777 |
| Net loans and leases to total assets | 69.9513% | 2,740 |
| Net loans and leases to deposits | 86.5252% | 2,234 |
| Net loans and leases to core deposits | 99.2830% | 1,920 |
| Total domestic deposits to total assets | 80.8449% | 5,432 |
| Equity capital to assets | 9.1775% | 5,341 |
| Core capital (leverage) ratio | 8.5168% | 5,475 |
| Tier 1 risk-based capital ratio | 11.0744% | 6,312 |
| Total risk-based capital ratio | 12.3266% | 6,301 |
| Memoranda: | ||
| Average total assets | $732,873,250 | 923 |
| Average earning assets | $693,185,000 | 889 |
| Average equity | $65,655,250 | 1,019 |
| Average total loans | $519,548,750 | 872 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1990% | 3,965 |
| Cost of funding earning assets | 1.1679% | 5,301 |
| Net interest margin | 4.0311% | 2,875 |
| Noninterest income to average assets | 0.6001% | 3,330 |
| Noninterest expense to average assets | 2.5828% | 5,396 |
| Loan and lease loss provision to assets | 0.8037% | 1,796 |
| Net operating income to assets | 1.0013% | 2,199 |
| Return on assets (ROA) | 1.0285% | 2,164 |
| Pretax return on assets | 1.0522% | 2,925 |
| Return on Equity (ROE) | 11.5788% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.5466% | 1,623 |
| Net charge-offs to loans | 0.7040% | 2,459 |
| Credit loss provision to net charge-offs | 161.1602% | 2,444 |
| Earnings coverage of net charge-offs (x) | 3.6657% | 3,221 |
| Efficiency ratio | 58.3922% | 6,323 |
| Assets per employee ($millions) | 4.0769% | 3,617 |
| Cash dividends to net income (ytd only)* | 34.8245% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 3,074 |
| Loan loss allowance to noncurrent loans | 112.6079% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 1.4344% | 4,319 |
| Noncurrent loans to loans | 1.5103% | 4,442 |
| Net loans and leases to total assets | 69.2558% | 3,071 |
| Net loans and leases to deposits | 85.8542% | 2,527 |
| Net loans and leases to core deposits | 99.5342% | 2,069 |
| Total domestic deposits to total assets | 80.6667% | 5,517 |
| Equity capital to assets | 9.0386% | 5,384 |
| Core capital (leverage) ratio | 8.3511% | 5,665 |
| Tier 1 risk-based capital ratio | 11.4071% | 5,860 |
| Total risk-based capital ratio | 12.6616% | 5,832 |
| Memoranda: | ||
| Average total assets | $725,890,330 | 931 |
| Average earning assets | $686,208,670 | 902 |
| Average equity | $64,479,670 | 1,033 |
| Average total loans | $514,215,670 | 886 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 4,340 |
| Cost of funding earning assets | 1.2135% | 5,326 |
| Net interest margin | 3.9275% | 3,209 |
| Noninterest income to average assets | 0.5470% | 3,676 |
| Noninterest expense to average assets | 2.6620% | 5,095 |
| Loan and lease loss provision to assets | 0.8056% | 1,570 |
| Net operating income to assets | 0.7774% | 3,072 |
| Return on assets (ROA) | 0.8315% | 2,925 |
| Pretax return on assets | 0.8470% | 3,683 |
| Return on Equity (ROE) | 9.4447% | 2,322 |
| Retained earnings to average equity (ytd only) | 5.6794% | 2,775 |
| Net charge-offs to loans | 0.9427% | 1,711 |
| Credit loss provision to net charge-offs | 120.2970% | 2,896 |
| Earnings coverage of net charge-offs (x) | 2.3853% | 3,347 |
| Efficiency ratio | 62.3297% | 5,771 |
| Assets per employee ($millions) | 4.2020% | 3,456 |
| Cash dividends to net income (ytd only)* | 39.8671% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 3,711 |
| Loan loss allowance to noncurrent loans | 84.4004% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.5312% | 4,207 |
| Noncurrent loans to loans | 1.8208% | 4,031 |
| Net loans and leases to total assets | 68.6849% | 3,236 |
| Net loans and leases to deposits | 84.2387% | 2,903 |
| Net loans and leases to core deposits | 97.5398% | 2,393 |
| Total domestic deposits to total assets | 81.5361% | 5,259 |
| Equity capital to assets | 8.7531% | 5,644 |
| Core capital (leverage) ratio | 8.4501% | 5,466 |
| Tier 1 risk-based capital ratio | 11.0907% | 6,070 |
| Total risk-based capital ratio | 12.3433% | 6,037 |
| Memoranda: | ||
| Average total assets | $723,954,000 | 949 |
| Average earning assets | $684,300,000 | 922 |
| Average equity | $63,739,500 | 1,047 |
| Average total loans | $514,250,000 | 911 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6301% | 3,444 |
| Cost of funding earning assets | 1.6753% | 4,640 |
| Net interest margin | 3.9548% | 3,058 |
| Noninterest income to average assets | 0.5405% | 4,108 |
| Noninterest expense to average assets | 2.6356% | 5,645 |
| Loan and lease loss provision to assets | 0.9003% | 2,501 |
| Net operating income to assets | 0.7214% | 2,850 |
| Return on assets (ROA) | 0.7692% | 2,733 |
| Pretax return on assets | 0.7956% | 3,255 |
| Return on Equity (ROE) | 8.8346% | 2,077 |
| Retained earnings to average equity (ytd only) | 8.8346% | 519 |
| Net charge-offs to loans | 0.9579% | 2,484 |
| Credit loss provision to net charge-offs | 126.9874% | 4,090 |
| Earnings coverage of net charge-offs (x) | 2.3226% | 3,984 |
| Efficiency ratio | 61.4228% | 6,255 |
| Assets per employee ($millions) | 4.1188% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 3,828 |
| Loan loss allowance to noncurrent loans | 74.7992% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7023% | 3,815 |
| Noncurrent loans to loans | 1.9804% | 3,672 |
| Net loans and leases to total assets | 71.2792% | 2,933 |
| Net loans and leases to deposits | 87.5599% | 2,634 |
| Net loans and leases to core deposits | 113.1554% | 2,580 |
| Total domestic deposits to total assets | 81.4062% | 5,194 |
| Equity capital to assets | 8.8572% | 5,347 |
| Core capital (leverage) ratio | 8.4210% | 5,406 |
| Tier 1 risk-based capital ratio | 10.9378% | 5,974 |
| Total risk-based capital ratio | 12.1898% | 5,948 |
| Memoranda: | ||
| Average total assets | $674,235,400 | 1,022 |
| Average earning assets | $637,915,800 | 977 |
| Average equity | $58,701,200 | 1,129 |
| Average total loans | $499,030,200 | 957 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6616% | 3,517 |
| Cost of funding earning assets | 1.7552% | 4,617 |
| Net interest margin | 3.9065% | 3,217 |
| Noninterest income to average assets | 0.5537% | 4,054 |
| Noninterest expense to average assets | 2.6158% | 5,656 |
| Loan and lease loss provision to assets | 0.6058% | 2,966 |
| Net operating income to assets | 0.9840% | 2,112 |
| Return on assets (ROA) | 1.0469% | 1,972 |
| Pretax return on assets | 1.0999% | 2,569 |
| Return on Equity (ROE) | 12.0811% | 1,336 |
| Retained earnings to average equity (ytd only) | 12.0811% | 338 |
| Net charge-offs to loans | 0.8098% | 2,341 |
| Credit loss provision to net charge-offs | 100.4657% | 5,051 |
| Earnings coverage of net charge-offs (x) | 2.7189% | 3,867 |
| Efficiency ratio | 61.3539% | 6,218 |
| Assets per employee ($millions) | 4.0146% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,872 |
| Loan loss allowance to noncurrent loans | 57.6282% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.8415% | 3,595 |
| Noncurrent loans to loans | 2.1600% | 3,431 |
| Net loans and leases to total assets | 73.9433% | 2,541 |
| Net loans and leases to deposits | 91.6535% | 2,297 |
| Net loans and leases to core deposits | 115.6074% | 2,663 |
| Total domestic deposits to total assets | 80.6770% | 5,193 |
| Equity capital to assets | 9.2491% | 5,092 |
| Core capital (leverage) ratio | 8.7357% | 5,070 |
| Tier 1 risk-based capital ratio | 10.7965% | 6,163 |
| Total risk-based capital ratio | 11.9528% | 6,222 |
| Memoranda: | ||
| Average total assets | $664,654,500 | 1,054 |
| Average earning assets | $629,814,250 | 1,008 |
| Average equity | $57,598,250 | 1,165 |
| Average total loans | $494,902,000 | 991 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6747% | 3,692 |
| Cost of funding earning assets | 1.8156% | 4,682 |
| Net interest margin | 3.8591% | 3,293 |
| Noninterest income to average assets | 0.5429% | 4,089 |
| Noninterest expense to average assets | 2.6172% | 5,670 |
| Loan and lease loss provision to assets | 0.4475% | 3,297 |
| Net operating income to assets | 1.0784% | 1,843 |
| Return on assets (ROA) | 1.1061% | 1,831 |
| Pretax return on assets | 1.1607% | 2,426 |
| Return on Equity (ROE) | 13.0675% | 1,170 |
| Retained earnings to average equity (ytd only) | 13.0675% | 325 |
| Net charge-offs to loans | 0.4874% | 2,876 |
| Credit loss provision to net charge-offs | 123.5541% | 3,764 |
| Earnings coverage of net charge-offs (x) | 4.3596% | 3,117 |
| Efficiency ratio | 62.2531% | 6,213 |
| Assets per employee ($millions) | 3.9675% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 4,207 |
| Loan loss allowance to noncurrent loans | 49.3816% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 2.2262% | 2,917 |
| Noncurrent loans to loans | 2.6543% | 2,725 |
| Net loans and leases to total assets | 74.4265% | 2,588 |
| Net loans and leases to deposits | 94.3666% | 2,032 |
| Net loans and leases to core deposits | 120.2376% | 2,352 |
| Total domestic deposits to total assets | 78.8695% | 5,845 |
| Equity capital to assets | 8.5949% | 5,902 |
| Core capital (leverage) ratio | 8.3149% | 5,770 |
| Tier 1 risk-based capital ratio | 9.7311% | 7,201 |
| Total risk-based capital ratio | 10.8867% | 7,235 |
| Memoranda: | ||
| Average total assets | $658,713,330 | 1,083 |
| Average earning assets | $623,611,330 | 1,035 |
| Average equity | $55,756,670 | 1,207 |
| Average total loans | $489,533,330 | 1,016 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6165% | 4,256 |
| Cost of funding earning assets | 1.8943% | 4,652 |
| Net interest margin | 3.7221% | 3,794 |
| Noninterest income to average assets | 0.5092% | 4,241 |
| Noninterest expense to average assets | 2.4956% | 5,855 |
| Loan and lease loss provision to assets | 0.4528% | 2,658 |
| Net operating income to assets | 1.0413% | 2,162 |
| Return on assets (ROA) | 1.0472% | 2,272 |
| Pretax return on assets | 1.0968% | 2,997 |
| Return on Equity (ROE) | 12.4698% | 1,524 |
| Retained earnings to average equity (ytd only) | 12.4698% | 720 |
| Net charge-offs to loans | 0.1479% | 3,783 |
| Credit loss provision to net charge-offs | 415.1685% | 1,272 |
| Earnings coverage of net charge-offs (x) | 14.1517% | 1,689 |
| Efficiency ratio | 61.6657% | 6,116 |
| Assets per employee ($millions) | 4.0719% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 3,381 |
| Loan loss allowance to noncurrent loans | 58.1384% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.8956% | 3,067 |
| Noncurrent loans to loans | 2.4443% | 2,698 |
| Net loans and leases to total assets | 71.3262% | 3,396 |
| Net loans and leases to deposits | 87.9654% | 3,297 |
| Net loans and leases to core deposits | 110.0296% | 3,433 |
| Total domestic deposits to total assets | 81.0844% | 4,932 |
| Equity capital to assets | 8.3759% | 6,275 |
| Core capital (leverage) ratio | 8.2346% | 6,022 |
| Tier 1 risk-based capital ratio | 9.7528% | 7,203 |
| Total risk-based capital ratio | 11.0027% | 7,111 |
| Memoranda: | ||
| Average total assets | $652,817,000 | 1,090 |
| Average earning assets | $619,105,000 | 1,036 |
| Average equity | $54,820,500 | 1,240 |
| Average total loans | $481,469,000 | 1,051 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1661% | 4,689 |
| Cost of funding earning assets | 2.4844% | 4,290 |
| Net interest margin | 3.6818% | 4,541 |
| Noninterest income to average assets | 0.5785% | 4,016 |
| Noninterest expense to average assets | 2.4434% | 6,243 |
| Loan and lease loss provision to assets | 0.4789% | 2,905 |
| Net operating income to assets | 1.1109% | 2,105 |
| Return on assets (ROA) | 1.1175% | 1,995 |
| Pretax return on assets | 1.1573% | 2,818 |
| Return on Equity (ROE) | 12.5463% | 1,432 |
| Retained earnings to average equity (ytd only) | 3.8957% | 2,704 |
| Net charge-offs to loans | 0.4148% | 2,739 |
| Credit loss provision to net charge-offs | 155.3846% | 3,361 |
| Earnings coverage of net charge-offs (x) | 5.2868% | 3,695 |
| Efficiency ratio | 59.8561% | 6,373 |
| Assets per employee ($millions) | 4.0112% | 3,490 |
| Cash dividends to net income (ytd only)* | 68.9498% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 3,587 |
| Loan loss allowance to noncurrent loans | 53.4529% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 1.9322% | 2,542 |
| Noncurrent loans to loans | 2.4903% | 2,191 |
| Net loans and leases to total assets | 74.2332% | 3,046 |
| Net loans and leases to deposits | 93.7939% | 2,803 |
| Net loans and leases to core deposits | 115.4365% | 3,189 |
| Total domestic deposits to total assets | 79.1450% | 5,321 |
| Equity capital to assets | 8.4205% | 6,220 |
| Core capital (leverage) ratio | 8.5255% | 5,528 |
| Tier 1 risk-based capital ratio | 9.5091% | 7,292 |
| Total risk-based capital ratio | 10.6664% | 7,310 |
| Memoranda: | ||
| Average total assets | $590,535,600 | 1,141 |
| Average earning assets | $560,464,400 | 1,100 |
| Average equity | $52,597,000 | 1,282 |
| Average total loans | $438,779,600 | 1,094 |