Home > Texas Bank > Performance and Condition Ratios
Texas 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 | 5.9143% | 708 |
| Cost of funding earning assets | 2.1452% | 705 |
| Net interest margin | 3.7691% | 1,612 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.8412% | 1,408 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.1096% | 1,895 |
| Return on assets (ROA) | 1.0972% | 1,900 |
| Pretax return on assets | 1.0972% | 2,415 |
| Return on Equity (ROE) | 11.7900% | 2,008 |
| Retained earnings to average equity (ytd only) | 7.3079% | 1,790 |
| Net charge-offs to loans | 0.2319% | 467 |
| Credit loss provision to net charge-offs | 130.1511% | 1,600 |
| Earnings coverage of net charge-offs (x) | 7.5481% | 2,396 |
| Efficiency ratio | 67.9769% | 2,115 |
| Assets per employee ($millions) | 4.7169% | 3,824 |
| Cash dividends to net income (ytd only)* | 38.0175% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,057 |
| Loan loss allowance to noncurrent loans | 171.7169% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 834 |
| Noncurrent loans to loans | 0.6133% | 1,289 |
| Net loans and leases to total assets | 75.0000% | 1,244 |
| Net loans and leases to deposits | 87.6966% | 1,464 |
| Net loans and leases to core deposits | 99.8430% | 1,446 |
| Total domestic deposits to total assets | 85.5200% | 2,156 |
| Equity capital to assets | 10.2119% | 1,890 |
| Core capital (leverage) ratio | 10.2650% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $821,088,400 | 1,159 |
| Average earning assets | $767,025,000 | 1,146 |
| Average equity | $76,410,800 | 1,169 |
| Average total loans | $627,862,600 | 1,061 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7919% | 698 |
| Cost of funding earning assets | 2.0306% | 667 |
| Net interest margin | 3.7612% | 1,666 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.7651% | 1,507 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.2150% | 1,756 |
| Return on assets (ROA) | 1.2004% | 1,786 |
| Pretax return on assets | 1.2004% | 2,294 |
| Return on Equity (ROE) | 13.2200% | 1,859 |
| Retained earnings to average equity (ytd only) | 7.1851% | 2,226 |
| Net charge-offs to loans | 0.2337% | 379 |
| Credit loss provision to net charge-offs | 113.5086% | 1,527 |
| Earnings coverage of net charge-offs (x) | 7.9048% | 2,216 |
| Efficiency ratio | 66.1385% | 2,262 |
| Assets per employee ($millions) | 4.8080% | 3,733 |
| Cash dividends to net income (ytd only)* | 45.6513% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,367 |
| Loan loss allowance to noncurrent loans | 476.8469% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 1,794 |
| Noncurrent loans to loans | 0.2098% | 2,513 |
| Net loans and leases to total assets | 75.3500% | 1,193 |
| Net loans and leases to deposits | 87.2933% | 1,447 |
| Net loans and leases to core deposits | 99.6298% | 1,336 |
| Total domestic deposits to total assets | 86.3200% | 2,095 |
| Equity capital to assets | 9.4143% | 2,149 |
| Core capital (leverage) ratio | 10.1570% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $821,173,750 | 1,157 |
| Average earning assets | $766,961,750 | 1,145 |
| Average equity | $74,560,000 | 1,183 |
| Average total loans | $629,305,250 | 1,047 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6332% | 705 |
| Cost of funding earning assets | 1.9005% | 607 |
| Net interest margin | 3.7327% | 1,752 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.7645% | 1,491 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.0662% | 2,220 |
| Return on assets (ROA) | 1.0443% | 2,271 |
| Pretax return on assets | 1.0443% | 2,791 |
| Return on Equity (ROE) | 11.6400% | 2,262 |
| Retained earnings to average equity (ytd only) | 3.1543% | 3,431 |
| Net charge-offs to loans | 0.1884% | 424 |
| Credit loss provision to net charge-offs | 199.3266% | 1,051 |
| Earnings coverage of net charge-offs (x) | 9.3603% | 2,022 |
| Efficiency ratio | 67.1123% | 2,096 |
| Assets per employee ($millions) | 4.9808% | 3,610 |
| Cash dividends to net income (ytd only)* | 72.9118% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,210 |
| Loan loss allowance to noncurrent loans | 366.4297% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 1,075 |
| Noncurrent loans to loans | 0.2859% | 2,121 |
| Net loans and leases to total assets | 77.4900% | 887 |
| Net loans and leases to deposits | 89.8162% | 1,203 |
| Net loans and leases to core deposits | 100.7505% | 1,194 |
| Total domestic deposits to total assets | 86.2800% | 2,154 |
| Equity capital to assets | 9.2693% | 2,335 |
| Core capital (leverage) ratio | 9.7626% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $820,840,667 | 1,156 |
| Average earning assets | $770,331,667 | 1,141 |
| Average equity | $73,612,667 | 1,191 |
| Average total loans | $630,476,333 | 1,033 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5094% | 617 |
| Cost of funding earning assets | 1.7167% | 551 |
| Net interest margin | 3.7928% | 1,703 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.6591% | 1,774 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.2537% | 1,788 |
| Return on assets (ROA) | 1.2245% | 1,841 |
| Pretax return on assets | 1.2245% | 2,365 |
| Return on Equity (ROE) | 13.8900% | 1,799 |
| Retained earnings to average equity (ytd only) | 13.4728% | 1,013 |
| Net charge-offs to loans | -0.0959% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.9916% | 2,462 |
| Assets per employee ($millions) | 5.1694% | 3,520 |
| Cash dividends to net income (ytd only)* | 2.9774% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,273 |
| Loan loss allowance to noncurrent loans | 624.2844% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 2,389 |
| Noncurrent loans to loans | 0.1689% | 2,642 |
| Net loans and leases to total assets | 75.7600% | 994 |
| Net loans and leases to deposits | 88.0039% | 1,209 |
| Net loans and leases to core deposits | 97.2154% | 1,218 |
| Total domestic deposits to total assets | 86.0900% | 2,560 |
| Equity capital to assets | 8.8877% | 2,603 |
| Core capital (leverage) ratio | 9.5344% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $822,837,500 | 1,175 |
| Average earning assets | $773,362,500 | 1,151 |
| Average equity | $72,561,000 | 1,215 |
| Average total loans | $625,863,000 | 1,048 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 415 |
| Cost of funding earning assets | 0.8267% | 358 |
| Net interest margin | 3.9932% | 796 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.8256% | 1,265 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 1.2282% | 1,670 |
| Return on assets (ROA) | 1.2103% | 1,680 |
| Pretax return on assets | 1.2103% | 2,404 |
| Return on Equity (ROE) | 13.6800% | 1,608 |
| Retained earnings to average equity (ytd only) | 9.2299% | 1,410 |
| Net charge-offs to loans | 0.1676% | 500 |
| Credit loss provision to net charge-offs | 251.8008% | 995 |
| Earnings coverage of net charge-offs (x) | 12.4258% | 2,111 |
| Efficiency ratio | 64.7197% | 2,400 |
| Assets per employee ($millions) | 5.0200% | 3,665 |
| Cash dividends to net income (ytd only)* | 32.5486% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,379 |
| Loan loss allowance to noncurrent loans | 489.3515% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 1,938 |
| Noncurrent loans to loans | 0.2046% | 2,472 |
| Net loans and leases to total assets | 74.7800% | 1,147 |
| Net loans and leases to deposits | 84.4280% | 1,431 |
| Net loans and leases to core deposits | 99.3990% | 1,033 |
| Total domestic deposits to total assets | 88.5700% | 1,856 |
| Equity capital to assets | 8.7465% | 2,534 |
| Core capital (leverage) ratio | 9.3047% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $761,549,200 | 1,228 |
| Average earning assets | $712,988,200 | 1,214 |
| Average equity | $67,357,400 | 1,288 |
| Average total loans | $563,225,800 | 1,085 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 386 |
| Cost of funding earning assets | 0.6006% | 438 |
| Net interest margin | 4.0479% | 580 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.7614% | 1,321 |
| Loan and lease loss provision to assets | 0.3700% | 160 |
| Net operating income to assets | 1.2830% | 1,416 |
| Return on assets (ROA) | 1.2629% | 1,445 |
| Pretax return on assets | 1.2629% | 2,164 |
| Return on Equity (ROE) | 14.2400% | 1,365 |
| Retained earnings to average equity (ytd only) | 8.2234% | 1,920 |
| Net charge-offs to loans | 0.1816% | 371 |
| Credit loss provision to net charge-offs | 279.3609% | 844 |
| Earnings coverage of net charge-offs (x) | 12.4021% | 1,918 |
| Efficiency ratio | 62.5116% | 2,762 |
| Assets per employee ($millions) | 4.9045% | 3,760 |
| Cash dividends to net income (ytd only)* | 42.2357% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 3,505 |
| Loan loss allowance to noncurrent loans | 918.5976% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,433 |
| Noncurrent loans to loans | 0.1084% | 3,107 |
| Net loans and leases to total assets | 74.4900% | 1,056 |
| Net loans and leases to deposits | 86.9232% | 1,112 |
| Net loans and leases to core deposits | 103.0546% | 697 |
| Total domestic deposits to total assets | 85.7000% | 3,134 |
| Equity capital to assets | 8.4133% | 2,598 |
| Core capital (leverage) ratio | 9.5638% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $749,879,500 | 1,254 |
| Average earning assets | $701,905,000 | 1,242 |
| Average equity | $66,523,750 | 1,312 |
| Average total loans | $551,413,000 | 1,096 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 369 |
| Cost of funding earning assets | 0.5009% | 516 |
| Net interest margin | 4.0124% | 481 |
| Noninterest income to average assets | 0.6333% | 1,601 |
| Noninterest expense to average assets | 2.8210% | 1,136 |
| Loan and lease loss provision to assets | 0.3879% | 149 |
| Net operating income to assets | 1.1748% | 1,521 |
| Return on assets (ROA) | 1.1704% | 1,511 |
| Pretax return on assets | 1.1704% | 2,168 |
| Return on Equity (ROE) | 12.9481% | 1,392 |
| Retained earnings to average equity (ytd only) | 3.8766% | 3,128 |
| Net charge-offs to loans | 0.2302% | 281 |
| Credit loss provision to net charge-offs | 231.1075% | 905 |
| Earnings coverage of net charge-offs (x) | 9.3111% | 1,792 |
| Efficiency ratio | 64.3534% | 2,723 |
| Assets per employee ($millions) | 4.6462% | 3,974 |
| Cash dividends to net income (ytd only)* | 70.0607% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,700 |
| Loan loss allowance to noncurrent loans | 433.8608% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 1,869 |
| Noncurrent loans to loans | 0.2251% | 2,596 |
| Net loans and leases to total assets | 73.4122% | 961 |
| Net loans and leases to deposits | 84.3592% | 1,098 |
| Net loans and leases to core deposits | 96.1996% | 821 |
| Total domestic deposits to total assets | 87.0233% | 2,929 |
| Equity capital to assets | 8.7838% | 2,548 |
| Core capital (leverage) ratio | 9.4217% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $731,724,667 | 1,275 |
| Average earning assets | $683,935,333 | 1,272 |
| Average equity | $66,141,000 | 1,343 |
| Average total loans | $533,480,333 | 1,116 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 406 |
| Cost of funding earning assets | 0.4511% | 654 |
| Net interest margin | 3.9027% | 499 |
| Noninterest income to average assets | 0.6176% | 1,616 |
| Noninterest expense to average assets | 2.8354% | 1,089 |
| Loan and lease loss provision to assets | 0.5547% | 82 |
| Net operating income to assets | 0.8958% | 2,284 |
| Return on assets (ROA) | 0.8958% | 2,287 |
| Pretax return on assets | 0.8958% | 2,792 |
| Return on Equity (ROE) | 9.7649% | 2,062 |
| Retained earnings to average equity (ytd only) | 9.7649% | 1,080 |
| Net charge-offs to loans | 0.4697% | 145 |
| Credit loss provision to net charge-offs | 163.4426% | 835 |
| Earnings coverage of net charge-offs (x) | 4.2738% | 1,629 |
| Efficiency ratio | 66.1560% | 2,750 |
| Assets per employee ($millions) | 4.6258% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 3,883 |
| Loan loss allowance to noncurrent loans | 66.5004% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 478 |
| Noncurrent loans to loans | 1.4406% | 583 |
| Net loans and leases to total assets | 71.2100% | 904 |
| Net loans and leases to deposits | 83.7637% | 896 |
| Net loans and leases to core deposits | 92.1176% | 807 |
| Total domestic deposits to total assets | 85.0129% | 3,534 |
| Equity capital to assets | 8.9640% | 2,741 |
| Core capital (leverage) ratio | 9.2522% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $718,923,000 | 1,295 |
| Average earning assets | $675,733,000 | 1,283 |
| Average equity | $65,950,500 | 1,391 |
| Average total loans | $519,493,000 | 1,128 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 508 |
| Cost of funding earning assets | 0.5655% | 648 |
| Net interest margin | 4.0387% | 658 |
| Noninterest income to average assets | 0.6468% | 1,952 |
| Noninterest expense to average assets | 2.7701% | 1,433 |
| Loan and lease loss provision to assets | 0.1711% | 680 |
| Net operating income to assets | 1.4947% | 1,029 |
| Return on assets (ROA) | 1.5780% | 893 |
| Pretax return on assets | 1.5780% | 1,488 |
| Return on Equity (ROE) | 16.7133% | 639 |
| Retained earnings to average equity (ytd only) | 13.6713% | 338 |
| Net charge-offs to loans | 0.0748% | 1,045 |
| Credit loss provision to net charge-offs | 330.0292% | 1,018 |
| Earnings coverage of net charge-offs (x) | 32.1283% | 1,558 |
| Efficiency ratio | 62.4468% | 2,798 |
| Assets per employee ($millions) | 4.6207% | 4,021 |
| Cash dividends to net income (ytd only)* | 18.2010% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 4,020 |
| Loan loss allowance to noncurrent loans | 57.6729% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.1551% | 438 |
| Noncurrent loans to loans | 1.5903% | 552 |
| Net loans and leases to total assets | 71.9719% | 843 |
| Net loans and leases to deposits | 86.0711% | 772 |
| Net loans and leases to core deposits | 95.5529% | 712 |
| Total domestic deposits to total assets | 83.6192% | 3,654 |
| Equity capital to assets | 9.3930% | 3,234 |
| Core capital (leverage) ratio | 9.4608% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $661,521,600 | 1,339 |
| Average earning assets | $620,642,400 | 1,337 |
| Average equity | $62,459,200 | 1,466 |
| Average total loans | $458,565,400 | 1,245 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 520 |
| Cost of funding earning assets | 0.5836% | 689 |
| Net interest margin | 4.0731% | 686 |
| Noninterest income to average assets | 0.6444% | 2,031 |
| Noninterest expense to average assets | 2.7058% | 1,574 |
| Loan and lease loss provision to assets | 0.1351% | 844 |
| Net operating income to assets | 1.6209% | 983 |
| Return on assets (ROA) | 1.7337% | 799 |
| Pretax return on assets | 1.7337% | 1,321 |
| Return on Equity (ROE) | 18.3363% | 591 |
| Retained earnings to average equity (ytd only) | 15.3917% | 346 |
| Net charge-offs to loans | 0.0927% | 781 |
| Credit loss provision to net charge-offs | 212.9032% | 1,173 |
| Earnings coverage of net charge-offs (x) | 27.6710% | 1,569 |
| Efficiency ratio | 60.6442% | 2,889 |
| Assets per employee ($millions) | 4.6395% | 4,016 |
| Cash dividends to net income (ytd only)* | 16.0586% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,133 |
| Loan loss allowance to noncurrent loans | 176.0066% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 2,018 |
| Noncurrent loans to loans | 0.5164% | 2,012 |
| Net loans and leases to total assets | 67.7827% | 1,346 |
| Net loans and leases to deposits | 81.6480% | 1,142 |
| Net loans and leases to core deposits | 90.9962% | 982 |
| Total domestic deposits to total assets | 83.0182% | 3,703 |
| Equity capital to assets | 9.5051% | 3,363 |
| Core capital (leverage) ratio | 9.7454% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $651,315,750 | 1,374 |
| Average earning assets | $610,433,000 | 1,371 |
| Average equity | $61,581,250 | 1,501 |
| Average total loans | $445,664,250 | 1,295 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 463 |
| Cost of funding earning assets | 0.6057% | 726 |
| Net interest margin | 4.1948% | 590 |
| Noninterest income to average assets | 0.6452% | 2,017 |
| Noninterest expense to average assets | 2.7591% | 1,446 |
| Loan and lease loss provision to assets | 0.1207% | 1,049 |
| Net operating income to assets | 1.6952% | 879 |
| Return on assets (ROA) | 1.8671% | 657 |
| Pretax return on assets | 1.8671% | 1,084 |
| Return on Equity (ROE) | 19.7851% | 469 |
| Retained earnings to average equity (ytd only) | 15.2893% | 397 |
| Net charge-offs to loans | 0.1058% | 714 |
| Credit loss provision to net charge-offs | 166.8103% | 1,122 |
| Earnings coverage of net charge-offs (x) | 25.0905% | 1,417 |
| Efficiency ratio | 60.3069% | 2,978 |
| Assets per employee ($millions) | 4.4220% | 4,166 |
| Cash dividends to net income (ytd only)* | 22.7235% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,180 |
| Loan loss allowance to noncurrent loans | 161.2196% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 2,077 |
| Noncurrent loans to loans | 0.5521% | 2,018 |
| Net loans and leases to total assets | 68.8241% | 1,351 |
| Net loans and leases to deposits | 82.6262% | 1,159 |
| Net loans and leases to core deposits | 93.5587% | 925 |
| Total domestic deposits to total assets | 83.2957% | 3,642 |
| Equity capital to assets | 9.5441% | 3,297 |
| Core capital (leverage) ratio | 9.4554% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $641,087,667 | 1,387 |
| Average earning assets | $600,596,667 | 1,376 |
| Average equity | $60,500,000 | 1,515 |
| Average total loans | $438,713,000 | 1,310 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7755% | 506 |
| Cost of funding earning assets | 0.6148% | 821 |
| Net interest margin | 4.1607% | 648 |
| Noninterest income to average assets | 0.5857% | 2,268 |
| Noninterest expense to average assets | 2.7409% | 1,516 |
| Loan and lease loss provision to assets | 0.1066% | 1,290 |
| Net operating income to assets | 1.6387% | 1,041 |
| Return on assets (ROA) | 1.9861% | 623 |
| Pretax return on assets | 1.9861% | 967 |
| Return on Equity (ROE) | 21.1697% | 452 |
| Retained earnings to average equity (ytd only) | 14.4492% | 703 |
| Net charge-offs to loans | 0.1012% | 681 |
| Credit loss provision to net charge-offs | 155.0459% | 974 |
| Earnings coverage of net charge-offs (x) | 25.3945% | 1,158 |
| Efficiency ratio | 61.0963% | 2,897 |
| Assets per employee ($millions) | 4.3599% | 4,229 |
| Cash dividends to net income (ytd only)* | 31.7460% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 4,196 |
| Loan loss allowance to noncurrent loans | 79.1742% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 1,177 |
| Noncurrent loans to loans | 1.1178% | 1,198 |
| Net loans and leases to total assets | 68.5593% | 1,458 |
| Net loans and leases to deposits | 83.0130% | 1,247 |
| Net loans and leases to core deposits | 94.5179% | 948 |
| Total domestic deposits to total assets | 82.5887% | 3,782 |
| Equity capital to assets | 9.3369% | 3,346 |
| Core capital (leverage) ratio | 9.5355% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $634,401,500 | 1,385 |
| Average earning assets | $594,704,500 | 1,378 |
| Average equity | $59,519,000 | 1,527 |
| Average total loans | $430,834,000 | 1,330 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 720 |
| Cost of funding earning assets | 0.8723% | 938 |
| Net interest margin | 3.9385% | 1,118 |
| Noninterest income to average assets | 0.6495% | 2,029 |
| Noninterest expense to average assets | 2.9864% | 1,464 |
| Loan and lease loss provision to assets | 0.2178% | 1,798 |
| Net operating income to assets | 1.1150% | 1,860 |
| Return on assets (ROA) | 1.1150% | 1,980 |
| Pretax return on assets | 1.1150% | 2,632 |
| Return on Equity (ROE) | 11.1881% | 1,561 |
| Retained earnings to average equity (ytd only) | 8.2263% | 986 |
| Net charge-offs to loans | 0.0886% | 1,572 |
| Credit loss provision to net charge-offs | 391.6129% | 1,460 |
| Earnings coverage of net charge-offs (x) | 23.9613% | 1,789 |
| Efficiency ratio | 69.1426% | 2,073 |
| Assets per employee ($millions) | 4.1848% | 4,222 |
| Cash dividends to net income (ytd only)* | 26.4725% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,084 |
| Loan loss allowance to noncurrent loans | 103.4299% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6032% | 1,750 |
| Noncurrent loans to loans | 0.9056% | 1,560 |
| Net loans and leases to total assets | 65.9845% | 2,091 |
| Net loans and leases to deposits | 85.3793% | 1,304 |
| Net loans and leases to core deposits | 95.2037% | 1,170 |
| Total domestic deposits to total assets | 77.2840% | 4,383 |
| Equity capital to assets | 9.4285% | 3,678 |
| Core capital (leverage) ratio | 9.8590% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $557,334,400 | 1,424 |
| Average earning assets | $519,288,000 | 1,414 |
| Average equity | $55,541,400 | 1,546 |
| Average total loans | $350,017,200 | 1,509 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8516% | 799 |
| Cost of funding earning assets | 0.9519% | 902 |
| Net interest margin | 3.8997% | 1,352 |
| Noninterest income to average assets | 0.6398% | 2,025 |
| Noninterest expense to average assets | 3.0000% | 1,444 |
| Loan and lease loss provision to assets | 0.1940% | 2,036 |
| Net operating income to assets | 1.0727% | 2,072 |
| Return on assets (ROA) | 1.0727% | 2,203 |
| Pretax return on assets | 1.0727% | 2,845 |
| Return on Equity (ROE) | 10.5998% | 1,816 |
| Retained earnings to average equity (ytd only) | 8.0784% | 1,281 |
| Net charge-offs to loans | 0.0831% | 1,478 |
| Credit loss provision to net charge-offs | 378.3654% | 1,523 |
| Earnings coverage of net charge-offs (x) | 24.7019% | 1,748 |
| Efficiency ratio | 70.3109% | 1,842 |
| Assets per employee ($millions) | 3.9648% | 4,342 |
| Cash dividends to net income (ytd only)* | 23.7876% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 3,873 |
| Loan loss allowance to noncurrent loans | 64.5599% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 1,207 |
| Noncurrent loans to loans | 1.4773% | 975 |
| Net loans and leases to total assets | 63.0922% | 2,874 |
| Net loans and leases to deposits | 79.5380% | 2,369 |
| Net loans and leases to core deposits | 87.1385% | 2,222 |
| Total domestic deposits to total assets | 79.3234% | 3,995 |
| Equity capital to assets | 9.7806% | 3,448 |
| Core capital (leverage) ratio | 9.7912% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $540,784,500 | 1,433 |
| Average earning assets | $502,971,500 | 1,431 |
| Average equity | $54,729,250 | 1,558 |
| Average total loans | $333,690,000 | 1,559 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9182% | 943 |
| Cost of funding earning assets | 1.0427% | 862 |
| Net interest margin | 3.8755% | 1,635 |
| Noninterest income to average assets | 0.6379% | 1,981 |
| Noninterest expense to average assets | 3.0785% | 1,409 |
| Loan and lease loss provision to assets | 0.2919% | 1,472 |
| Net operating income to assets | 0.8652% | 2,822 |
| Return on assets (ROA) | 0.8652% | 2,941 |
| Pretax return on assets | 0.8652% | 3,414 |
| Return on Equity (ROE) | 8.4432% | 2,586 |
| Retained earnings to average equity (ytd only) | 6.8645% | 1,713 |
| Net charge-offs to loans | 0.1367% | 1,030 |
| Credit loss provision to net charge-offs | 350.2283% | 1,512 |
| Earnings coverage of net charge-offs (x) | 13.8813% | 1,972 |
| Efficiency ratio | 72.6815% | 1,602 |
| Assets per employee ($millions) | 4.0131% | 4,298 |
| Cash dividends to net income (ytd only)* | 18.6978% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,583 |
| Loan loss allowance to noncurrent loans | 85.6312% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 1,724 |
| Noncurrent loans to loans | 1.1664% | 1,345 |
| Net loans and leases to total assets | 60.6134% | 3,253 |
| Net loans and leases to deposits | 75.0712% | 2,964 |
| Net loans and leases to core deposits | 82.0006% | 2,779 |
| Total domestic deposits to total assets | 80.7412% | 3,672 |
| Equity capital to assets | 9.6067% | 3,557 |
| Core capital (leverage) ratio | 9.9760% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $525,451,333 | 1,448 |
| Average earning assets | $487,784,667 | 1,437 |
| Average equity | $53,842,000 | 1,562 |
| Average total loans | $320,326,667 | 1,589 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 1,037 |
| Cost of funding earning assets | 1.2171% | 727 |
| Net interest margin | 3.7465% | 2,161 |
| Noninterest income to average assets | 0.7067% | 1,629 |
| Noninterest expense to average assets | 3.1977% | 1,428 |
| Loan and lease loss provision to assets | 0.1218% | 2,174 |
| Net operating income to assets | 0.8549% | 2,684 |
| Return on assets (ROA) | 0.8549% | 2,782 |
| Pretax return on assets | 0.8549% | 3,269 |
| Return on Equity (ROE) | 8.0521% | 2,499 |
| Retained earnings to average equity (ytd only) | 6.5428% | 1,699 |
| Net charge-offs to loans | 0.2042% | 675 |
| Credit loss provision to net charge-offs | 98.0645% | 1,865 |
| Earnings coverage of net charge-offs (x) | 7.8645% | 1,892 |
| Efficiency ratio | 76.6027% | 1,499 |
| Assets per employee ($millions) | 3.5860% | 4,406 |
| Cash dividends to net income (ytd only)* | 18.7441% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 3,841 |
| Loan loss allowance to noncurrent loans | 69.2754% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 1,573 |
| Noncurrent loans to loans | 1.4003% | 1,138 |
| Net loans and leases to total assets | 60.2246% | 3,474 |
| Net loans and leases to deposits | 70.6834% | 3,545 |
| Net loans and leases to core deposits | 77.6343% | 3,380 |
| Total domestic deposits to total assets | 85.2033% | 2,330 |
| Equity capital to assets | 10.5372% | 3,284 |
| Core capital (leverage) ratio | 10.6189% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,233,500 | 1,468 |
| Average earning assets | $462,087,500 | 1,457 |
| Average equity | $53,005,000 | 1,574 |
| Average total loans | $303,584,500 | 1,629 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2279% | 934 |
| Cost of funding earning assets | 1.3326% | 697 |
| Net interest margin | 3.8953% | 2,191 |
| Noninterest income to average assets | 0.7374% | 1,668 |
| Noninterest expense to average assets | 3.2322% | 1,442 |
| Loan and lease loss provision to assets | 0.0992% | 2,067 |
| Net operating income to assets | 1.0180% | 2,784 |
| Return on assets (ROA) | 1.0198% | 2,862 |
| Pretax return on assets | 1.0198% | 3,418 |
| Return on Equity (ROE) | 9.7879% | 2,398 |
| Retained earnings to average equity (ytd only) | 4.7061% | 2,582 |
| Net charge-offs to loans | 0.0801% | 1,961 |
| Credit loss provision to net charge-offs | 207.2034% | 1,282 |
| Earnings coverage of net charge-offs (x) | 23.3347% | 1,816 |
| Efficiency ratio | 74.3144% | 1,573 |
| Assets per employee ($millions) | 3.4225% | 4,549 |
| Cash dividends to net income (ytd only)* | 51.9196% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,544 |
| Loan loss allowance to noncurrent loans | 82.8294% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 1,745 |
| Noncurrent loans to loans | 1.2030% | 1,253 |
| Net loans and leases to total assets | 60.1997% | 3,571 |
| Net loans and leases to deposits | 71.0008% | 3,592 |
| Net loans and leases to core deposits | 78.8923% | 3,383 |
| Total domestic deposits to total assets | 84.7874% | 2,578 |
| Equity capital to assets | 10.6994% | 3,261 |
| Core capital (leverage) ratio | 10.7252% | 2,737 |
| Tier 1 risk-based capital ratio | 15.3399% | 2,639 |
| Total risk-based capital ratio | 16.2092% | 2,733 |
| Memoranda: | ||
| Average total assets | $492,950,800 | 1,448 |
| Average earning assets | $457,087,800 | 1,441 |
| Average equity | $51,359,400 | 1,563 |
| Average total loans | $294,668,200 | 1,629 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2438% | 959 |
| Cost of funding earning assets | 1.3406% | 693 |
| Net interest margin | 3.9032% | 2,242 |
| Noninterest income to average assets | 0.6983% | 1,794 |
| Noninterest expense to average assets | 3.1884% | 1,491 |
| Loan and lease loss provision to assets | 0.1228% | 1,588 |
| Net operating income to assets | 1.0053% | 2,964 |
| Return on assets (ROA) | 1.0077% | 3,035 |
| Pretax return on assets | 1.0077% | 3,573 |
| Return on Equity (ROE) | 9.7378% | 2,541 |
| Retained earnings to average equity (ytd only) | 4.4324% | 3,176 |
| Net charge-offs to loans | 0.0918% | 1,557 |
| Credit loss provision to net charge-offs | 224.7525% | 1,198 |
| Earnings coverage of net charge-offs (x) | 20.6482% | 1,947 |
| Efficiency ratio | 73.8659% | 1,587 |
| Assets per employee ($millions) | 3.4205% | 4,583 |
| Cash dividends to net income (ytd only)* | 54.4820% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,494 |
| Loan loss allowance to noncurrent loans | 107.5676% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 2,145 |
| Noncurrent loans to loans | 0.9423% | 1,709 |
| Net loans and leases to total assets | 59.5946% | 3,712 |
| Net loans and leases to deposits | 71.0933% | 3,677 |
| Net loans and leases to core deposits | 78.6012% | 3,498 |
| Total domestic deposits to total assets | 83.8258% | 2,885 |
| Equity capital to assets | 10.6275% | 3,437 |
| Core capital (leverage) ratio | 10.6463% | 2,979 |
| Tier 1 risk-based capital ratio | 15.0586% | 2,821 |
| Total risk-based capital ratio | 15.9241% | 2,925 |
| Memoranda: | ||
| Average total assets | $492,978,500 | 1,452 |
| Average earning assets | $456,984,500 | 1,448 |
| Average equity | $51,016,500 | 1,574 |
| Average total loans | $293,416,750 | 1,645 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2158% | 953 |
| Cost of funding earning assets | 1.3341% | 674 |
| Net interest margin | 3.8817% | 2,298 |
| Noninterest income to average assets | 0.6996% | 1,714 |
| Noninterest expense to average assets | 3.1214% | 1,679 |
| Loan and lease loss provision to assets | 0.1505% | 1,219 |
| Net operating income to assets | 1.0221% | 2,836 |
| Return on assets (ROA) | 1.0258% | 2,904 |
| Pretax return on assets | 1.0258% | 3,460 |
| Return on Equity (ROE) | 10.0011% | 2,389 |
| Retained earnings to average equity (ytd only) | 7.1211% | 1,751 |
| Net charge-offs to loans | 0.0812% | 1,545 |
| Credit loss provision to net charge-offs | 312.6050% | 871 |
| Earnings coverage of net charge-offs (x) | 24.3529% | 1,628 |
| Efficiency ratio | 72.6913% | 1,814 |
| Assets per employee ($millions) | 3.4438% | 4,563 |
| Cash dividends to net income (ytd only)* | 28.7968% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 3,694 |
| Loan loss allowance to noncurrent loans | 106.3012% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 1,936 |
| Noncurrent loans to loans | 0.9295% | 1,758 |
| Net loans and leases to total assets | 60.3383% | 3,703 |
| Net loans and leases to deposits | 73.7298% | 3,544 |
| Net loans and leases to core deposits | 80.8637% | 3,353 |
| Total domestic deposits to total assets | 81.8370% | 3,566 |
| Equity capital to assets | 10.4874% | 3,527 |
| Core capital (leverage) ratio | 10.5486% | 3,037 |
| Tier 1 risk-based capital ratio | 14.6442% | 3,002 |
| Total risk-based capital ratio | 15.4863% | 3,106 |
| Memoranda: | ||
| Average total assets | $494,259,000 | 1,446 |
| Average earning assets | $457,689,670 | 1,451 |
| Average equity | $50,694,330 | 1,571 |
| Average total loans | $293,061,000 | 1,647 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 945 |
| Cost of funding earning assets | 1.2937% | 668 |
| Net interest margin | 3.8854% | 2,236 |
| Noninterest income to average assets | 0.5796% | 2,143 |
| Noninterest expense to average assets | 3.1307% | 1,656 |
| Loan and lease loss provision to assets | 0.1613% | 1,046 |
| Net operating income to assets | 0.8836% | 3,296 |
| Return on assets (ROA) | 0.8909% | 3,320 |
| Pretax return on assets | 0.8909% | 3,795 |
| Return on Equity (ROE) | 8.7854% | 2,908 |
| Retained earnings to average equity (ytd only) | 6.7869% | 2,118 |
| Net charge-offs to loans | 0.0541% | 1,511 |
| Credit loss provision to net charge-offs | 510.2564% | 600 |
| Earnings coverage of net charge-offs (x) | 33.0513% | 1,271 |
| Efficiency ratio | 74.9757% | 1,614 |
| Assets per employee ($millions) | 3.4774% | 4,582 |
| Cash dividends to net income (ytd only)* | 22.7480% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 3,769 |
| Loan loss allowance to noncurrent loans | 95.4141% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 1,936 |
| Noncurrent loans to loans | 1.0386% | 1,607 |
| Net loans and leases to total assets | 58.9286% | 3,792 |
| Net loans and leases to deposits | 70.6127% | 3,724 |
| Net loans and leases to core deposits | 77.2263% | 3,579 |
| Total domestic deposits to total assets | 83.4533% | 3,235 |
| Equity capital to assets | 10.3563% | 3,465 |
| Core capital (leverage) ratio | 10.2210% | 3,364 |
| Tier 1 risk-based capital ratio | 14.8028% | 2,961 |
| Total risk-based capital ratio | 15.6463% | 3,075 |
| Memoranda: | ||
| Average total assets | $493,434,000 | 1,457 |
| Average earning assets | $456,685,500 | 1,462 |
| Average equity | $50,037,500 | 1,576 |
| Average total loans | $288,487,000 | 1,674 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9562% | 1,142 |
| Cost of funding earning assets | 1.1154% | 467 |
| Net interest margin | 3.8408% | 2,531 |
| Noninterest income to average assets | 0.5993% | 2,295 |
| Noninterest expense to average assets | 3.0215% | 2,003 |
| Loan and lease loss provision to assets | 0.0395% | 3,407 |
| Net operating income to assets | 1.1068% | 2,569 |
| Return on assets (ROA) | 1.1029% | 2,581 |
| Pretax return on assets | 1.1029% | 3,257 |
| Return on Equity (ROE) | 10.9760% | 2,090 |
| Retained earnings to average equity (ytd only) | 8.2656% | 1,132 |
| Net charge-offs to loans | 0.2733% | 708 |
| Credit loss provision to net charge-offs | 27.1041% | 3,366 |
| Earnings coverage of net charge-offs (x) | 7.8659% | 2,948 |
| Efficiency ratio | 72.4960% | 1,841 |
| Assets per employee ($millions) | 3.6300% | 4,412 |
| Cash dividends to net income (ytd only)* | 24.6937% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 4,808 |
| Loan loss allowance to noncurrent loans | 148.4281% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 3,057 |
| Noncurrent loans to loans | 0.4685% | 2,871 |
| Net loans and leases to total assets | 56.9398% | 4,056 |
| Net loans and leases to deposits | 70.4617% | 3,797 |
| Net loans and leases to core deposits | 76.7246% | 3,667 |
| Total domestic deposits to total assets | 80.8095% | 3,932 |
| Equity capital to assets | 10.0636% | 3,616 |
| Core capital (leverage) ratio | 10.2647% | 3,289 |
| Tier 1 risk-based capital ratio | 15.3316% | 2,684 |
| Total risk-based capital ratio | 15.9314% | 2,901 |
| Memoranda: | ||
| Average total assets | $481,025,600 | 1,455 |
| Average earning assets | $446,917,800 | 1,460 |
| Average equity | $48,332,800 | 1,561 |
| Average total loans | $256,463,000 | 1,794 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 1,179 |
| Cost of funding earning assets | 1.0678% | 455 |
| Net interest margin | 3.8235% | 2,553 |
| Noninterest income to average assets | 0.5848% | 2,388 |
| Noninterest expense to average assets | 3.0300% | 1,928 |
| Loan and lease loss provision to assets | 0.0500% | 2,988 |
| Net operating income to assets | 1.0592% | 2,827 |
| Return on assets (ROA) | 1.0606% | 2,831 |
| Pretax return on assets | 1.0606% | 3,532 |
| Return on Equity (ROE) | 10.5597% | 2,370 |
| Retained earnings to average equity (ytd only) | 7.9713% | 1,672 |
| Net charge-offs to loans | 0.3188% | 525 |
| Credit loss provision to net charge-offs | 30.0336% | 2,966 |
| Earnings coverage of net charge-offs (x) | 6.6577% | 2,868 |
| Efficiency ratio | 73.2019% | 1,699 |
| Assets per employee ($millions) | 3.5094% | 4,556 |
| Cash dividends to net income (ytd only)* | 24.5124% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 4,745 |
| Loan loss allowance to noncurrent loans | 290.4895% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 3,664 |
| Noncurrent loans to loans | 0.2604% | 3,754 |
| Net loans and leases to total assets | 55.4615% | 4,259 |
| Net loans and leases to deposits | 68.8308% | 3,998 |
| Net loans and leases to core deposits | 74.4329% | 3,918 |
| Total domestic deposits to total assets | 80.5767% | 3,981 |
| Equity capital to assets | 10.0137% | 3,635 |
| Core capital (leverage) ratio | 10.1101% | 3,509 |
| Tier 1 risk-based capital ratio | 15.4155% | 2,683 |
| Total risk-based capital ratio | 16.0633% | 2,884 |
| Memoranda: | ||
| Average total assets | $476,955,000 | 1,465 |
| Average earning assets | $443,385,500 | 1,476 |
| Average equity | $47,904,250 | 1,571 |
| Average total loans | $249,291,500 | 1,832 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 1,366 |
| Cost of funding earning assets | 1.0134% | 445 |
| Net interest margin | 3.7424% | 2,777 |
| Noninterest income to average assets | 0.5858% | 2,404 |
| Noninterest expense to average assets | 3.0146% | 2,005 |
| Loan and lease loss provision to assets | 0.0669% | 2,556 |
| Net operating income to assets | 0.9802% | 3,106 |
| Return on assets (ROA) | 0.9835% | 3,099 |
| Pretax return on assets | 0.9835% | 3,717 |
| Return on Equity (ROE) | 9.7825% | 2,669 |
| Retained earnings to average equity (ytd only) | 6.7070% | 2,204 |
| Net charge-offs to loans | 0.0947% | 1,401 |
| Credit loss provision to net charge-offs | 138.5965% | 1,654 |
| Earnings coverage of net charge-offs (x) | 21.6842% | 1,768 |
| Efficiency ratio | 74.2205% | 1,679 |
| Assets per employee ($millions) | 3.5528% | 4,529 |
| Cash dividends to net income (ytd only)* | 31.4384% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 4,042 |
| Loan loss allowance to noncurrent loans | 83.9510% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 2,029 |
| Noncurrent loans to loans | 1.1492% | 1,522 |
| Net loans and leases to total assets | 53.1167% | 4,403 |
| Net loans and leases to deposits | 64.7735% | 4,231 |
| Net loans and leases to core deposits | 69.9823% | 4,146 |
| Total domestic deposits to total assets | 82.0037% | 3,722 |
| Equity capital to assets | 9.7994% | 3,820 |
| Core capital (leverage) ratio | 10.0516% | 3,524 |
| Tier 1 risk-based capital ratio | 15.4086% | 2,687 |
| Total risk-based capital ratio | 16.2204% | 2,814 |
| Memoranda: | ||
| Average total assets | $472,167,670 | 1,497 |
| Average earning assets | $438,543,330 | 1,495 |
| Average equity | $47,472,670 | 1,586 |
| Average total loans | $240,865,670 | 1,880 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,402 |
| Cost of funding earning assets | 0.9733% | 421 |
| Net interest margin | 3.6893% | 2,842 |
| Noninterest income to average assets | 0.5735% | 2,400 |
| Noninterest expense to average assets | 3.0239% | 2,016 |
| Loan and lease loss provision to assets | 0.1149% | 1,645 |
| Net operating income to assets | 0.8594% | 3,462 |
| Return on assets (ROA) | 0.8594% | 3,472 |
| Pretax return on assets | 0.8594% | 3,985 |
| Return on Equity (ROE) | 8.4346% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.1631% | 2,206 |
| Net charge-offs to loans | 0.1201% | 1,065 |
| Credit loss provision to net charge-offs | 192.7536% | 1,066 |
| Earnings coverage of net charge-offs (x) | 16.3478% | 1,631 |
| Efficiency ratio | 75.6319% | 1,648 |
| Assets per employee ($millions) | 3.3891% | 4,804 |
| Cash dividends to net income (ytd only)* | 15.0754% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,505 |
| Loan loss allowance to noncurrent loans | 72.4851% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.8964% | 1,773 |
| Noncurrent loans to loans | 1.4887% | 1,185 |
| Net loans and leases to total assets | 49.4225% | 4,601 |
| Net loans and leases to deposits | 58.0215% | 4,579 |
| Net loans and leases to core deposits | 62.6106% | 4,511 |
| Total domestic deposits to total assets | 85.1797% | 2,865 |
| Equity capital to assets | 10.0028% | 3,587 |
| Core capital (leverage) ratio | 10.2452% | 3,249 |
| Tier 1 risk-based capital ratio | 16.3942% | 2,322 |
| Total risk-based capital ratio | 17.2789% | 2,397 |
| Memoranda: | ||
| Average total assets | $463,109,000 | 1,534 |
| Average earning assets | $429,895,500 | 1,525 |
| Average equity | $47,186,500 | 1,607 |
| Average total loans | $229,818,500 | 1,967 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 911 |
| Cost of funding earning assets | 0.9133% | 350 |
| Net interest margin | 3.9212% | 2,026 |
| Noninterest income to average assets | 0.5864% | 2,514 |
| Noninterest expense to average assets | 3.2399% | 1,529 |
| Loan and lease loss provision to assets | 0.0475% | 3,274 |
| Net operating income to assets | 0.9423% | 2,484 |
| Return on assets (ROA) | 0.9503% | 2,478 |
| Pretax return on assets | 0.9503% | 3,735 |
| Return on Equity (ROE) | 8.9340% | 2,350 |
| Retained earnings to average equity (ytd only) | 5.6639% | 1,729 |
| Net charge-offs to loans | 0.1373% | 1,692 |
| Credit loss provision to net charge-offs | 70.8904% | 3,079 |
| Earnings coverage of net charge-offs (x) | 14.7637% | 2,306 |
| Efficiency ratio | 76.5986% | 1,538 |
| Assets per employee ($millions) | 3.2974% | 4,940 |
| Cash dividends to net income (ytd only)* | 36.6030% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 3,243 |
| Loan loss allowance to noncurrent loans | 62.2100% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.0519% | 1,448 |
| Noncurrent loans to loans | 1.8011% | 889 |
| Net loans and leases to total assets | 48.7196% | 4,720 |
| Net loans and leases to deposits | 57.5980% | 4,713 |
| Net loans and leases to core deposits | 61.8165% | 4,667 |
| Total domestic deposits to total assets | 84.5857% | 3,000 |
| Equity capital to assets | 10.3847% | 3,286 |
| Core capital (leverage) ratio | 10.4275% | 2,935 |
| Tier 1 risk-based capital ratio | 16.5856% | 2,232 |
| Total risk-based capital ratio | 17.4741% | 2,293 |
| Memoranda: | ||
| Average total assets | $435,537,200 | 1,588 |
| Average earning assets | $404,671,800 | 1,584 |
| Average equity | $46,328,600 | 1,626 |
| Average total loans | $212,631,000 | 2,054 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 892 |
| Cost of funding earning assets | 0.8955% | 356 |
| Net interest margin | 3.9240% | 1,956 |
| Noninterest income to average assets | 0.5865% | 2,558 |
| Noninterest expense to average assets | 3.2003% | 1,557 |
| Loan and lease loss provision to assets | 0.0544% | 3,004 |
| Net operating income to assets | 0.9823% | 2,629 |
| Return on assets (ROA) | 0.9900% | 2,656 |
| Pretax return on assets | 0.9900% | 3,724 |
| Return on Equity (ROE) | 9.2500% | 2,471 |
| Retained earnings to average equity (ytd only) | 6.8249% | 1,786 |
| Net charge-offs to loans | 0.1383% | 1,421 |
| Credit loss provision to net charge-offs | 80.7339% | 2,572 |
| Earnings coverage of net charge-offs (x) | 15.3899% | 2,230 |
| Efficiency ratio | 75.5324% | 1,658 |
| Assets per employee ($millions) | 3.1155% | 5,161 |
| Cash dividends to net income (ytd only)* | 26.2172% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 3,259 |
| Loan loss allowance to noncurrent loans | 79.2565% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 1,792 |
| Noncurrent loans to loans | 1.4368% | 1,301 |
| Net loans and leases to total assets | 49.4376% | 4,741 |
| Net loans and leases to deposits | 58.7008% | 4,706 |
| Net loans and leases to core deposits | 63.5047% | 4,627 |
| Total domestic deposits to total assets | 84.2196% | 3,034 |
| Equity capital to assets | 10.6389% | 3,230 |
| Core capital (leverage) ratio | 10.5018% | 2,984 |
| Tier 1 risk-based capital ratio | 17.1731% | 2,110 |
| Total risk-based capital ratio | 18.1141% | 2,153 |
| Memoranda: | ||
| Average total assets | $431,486,000 | 1,614 |
| Average earning assets | $401,415,250 | 1,605 |
| Average equity | $46,182,750 | 1,644 |
| Average total loans | $210,143,500 | 2,083 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 832 |
| Cost of funding earning assets | 0.8700% | 366 |
| Net interest margin | 3.9498% | 1,777 |
| Noninterest income to average assets | 0.5604% | 2,654 |
| Noninterest expense to average assets | 3.2108% | 1,554 |
| Loan and lease loss provision to assets | 0.0141% | 3,672 |
| Net operating income to assets | 1.0140% | 2,359 |
| Return on assets (ROA) | 1.0257% | 2,352 |
| Pretax return on assets | 1.0257% | 3,459 |
| Return on Equity (ROE) | 9.5636% | 2,236 |
| Retained earnings to average equity (ytd only) | 6.0685% | 2,075 |
| Net charge-offs to loans | 0.0495% | 2,229 |
| Credit loss provision to net charge-offs | 58.8235% | 2,474 |
| Earnings coverage of net charge-offs (x) | 43.0196% | 1,198 |
| Efficiency ratio | 75.7462% | 1,760 |
| Assets per employee ($millions) | 3.1363% | 5,162 |
| Cash dividends to net income (ytd only)* | 36.5464% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 3,076 |
| Loan loss allowance to noncurrent loans | 81.0717% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 1,844 |
| Noncurrent loans to loans | 1.4688% | 1,288 |
| Net loans and leases to total assets | 48.3240% | 4,801 |
| Net loans and leases to deposits | 60.6737% | 4,579 |
| Net loans and leases to core deposits | 66.0693% | 4,463 |
| Total domestic deposits to total assets | 79.6457% | 4,491 |
| Equity capital to assets | 10.6446% | 3,178 |
| Core capital (leverage) ratio | 10.5887% | 2,827 |
| Tier 1 risk-based capital ratio | 17.3150% | 2,061 |
| Total risk-based capital ratio | 18.2920% | 2,100 |
| Memoranda: | ||
| Average total assets | $426,809,670 | 1,626 |
| Average earning assets | $397,484,000 | 1,620 |
| Average equity | $45,777,670 | 1,656 |
| Average total loans | $205,928,330 | 2,121 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 573 |
| Cost of funding earning assets | 0.8533% | 373 |
| Net interest margin | 4.0947% | 1,227 |
| Noninterest income to average assets | 0.6190% | 2,329 |
| Noninterest expense to average assets | 3.2032% | 1,599 |
| Loan and lease loss provision to assets | 0.0276% | 3,214 |
| Net operating income to assets | 1.2160% | 1,472 |
| Return on assets (ROA) | 1.2160% | 1,507 |
| Pretax return on assets | 1.2160% | 2,527 |
| Return on Equity (ROE) | 11.2942% | 1,467 |
| Retained earnings to average equity (ytd only) | 9.0866% | 1,050 |
| Net charge-offs to loans | -0.1231% | 5,510 |
| Credit loss provision to net charge-offs | -46.7742% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0334% | 2,569 |
| Assets per employee ($millions) | 3.0732% | 5,296 |
| Cash dividends to net income (ytd only)* | 19.5465% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,568 |
| Loan loss allowance to noncurrent loans | 72.5741% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 1,514 |
| Noncurrent loans to loans | 1.7825% | 1,058 |
| Net loans and leases to total assets | 48.0380% | 4,821 |
| Net loans and leases to deposits | 57.9606% | 4,699 |
| Net loans and leases to core deposits | 62.1469% | 4,648 |
| Total domestic deposits to total assets | 82.8804% | 3,888 |
| Equity capital to assets | 10.7989% | 2,856 |
| Core capital (leverage) ratio | 10.6783% | 2,706 |
| Tier 1 risk-based capital ratio | 18.8118% | 1,655 |
| Total risk-based capital ratio | 19.9279% | 1,646 |
| Memoranda: | ||
| Average total assets | $420,710,000 | 1,660 |
| Average earning assets | $393,285,500 | 1,644 |
| Average equity | $45,297,500 | 1,675 |
| Average total loans | $201,524,500 | 2,166 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 1,336 |
| Cost of funding earning assets | 0.7666% | 592 |
| Net interest margin | 3.8102% | 2,282 |
| Noninterest income to average assets | 0.7244% | 2,057 |
| Noninterest expense to average assets | 3.2151% | 1,754 |
| Loan and lease loss provision to assets | 0.0601% | 3,177 |
| Net operating income to assets | 0.9865% | 2,407 |
| Return on assets (ROA) | 1.0841% | 2,068 |
| Pretax return on assets | 1.1138% | 3,051 |
| Return on Equity (ROE) | 10.3555% | 1,827 |
| Retained earnings to average equity (ytd only) | 8.2516% | 772 |
| Net charge-offs to loans | 0.3633% | 751 |
| Credit loss provision to net charge-offs | 38.5779% | 3,508 |
| Earnings coverage of net charge-offs (x) | 6.8926% | 3,101 |
| Efficiency ratio | 74.9725% | 2,141 |
| Assets per employee ($millions) | 3.0241% | 5,332 |
| Cash dividends to net income (ytd only)* | 20.3173% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,489 |
| Loan loss allowance to noncurrent loans | 68.6734% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 1,502 |
| Noncurrent loans to loans | 1.9090% | 966 |
| Net loans and leases to total assets | 46.5044% | 4,985 |
| Net loans and leases to deposits | 56.5680% | 4,881 |
| Net loans and leases to core deposits | 61.1920% | 4,795 |
| Total domestic deposits to total assets | 82.2097% | 4,012 |
| Equity capital to assets | 10.7344% | 2,883 |
| Core capital (leverage) ratio | 10.4676% | 2,909 |
| Tier 1 risk-based capital ratio | 18.8930% | 1,626 |
| Total risk-based capital ratio | 20.0017% | 1,634 |
| Memoranda: | ||
| Average total assets | $424,501,400 | 1,603 |
| Average earning assets | $397,067,800 | 1,581 |
| Average equity | $44,440,000 | 1,675 |
| Average total loans | $181,934,800 | 2,293 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 1,414 |
| Cost of funding earning assets | 0.7385% | 671 |
| Net interest margin | 3.8083% | 2,302 |
| Noninterest income to average assets | 0.7431% | 1,994 |
| Noninterest expense to average assets | 3.1445% | 1,916 |
| Loan and lease loss provision to assets | 0.0604% | 3,044 |
| Net operating income to assets | 1.0671% | 2,132 |
| Return on assets (ROA) | 1.1966% | 1,745 |
| Pretax return on assets | 1.2360% | 2,677 |
| Return on Equity (ROE) | 11.5020% | 1,490 |
| Retained earnings to average equity (ytd only) | 10.1341% | 551 |
| Net charge-offs to loans | 0.2962% | 776 |
| Credit loss provision to net charge-offs | 48.7374% | 3,048 |
| Earnings coverage of net charge-offs (x) | 9.3888% | 2,679 |
| Efficiency ratio | 73.0032% | 2,441 |
| Assets per employee ($millions) | 3.0487% | 5,345 |
| Cash dividends to net income (ytd only)* | 11.8923% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,729 |
| Loan loss allowance to noncurrent loans | 102.3923% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9641% | 2,147 |
| Noncurrent loans to loans | 1.4741% | 1,463 |
| Net loans and leases to total assets | 43.1486% | 5,247 |
| Net loans and leases to deposits | 52.7559% | 5,171 |
| Net loans and leases to core deposits | 56.9479% | 5,101 |
| Total domestic deposits to total assets | 81.7892% | 4,008 |
| Equity capital to assets | 10.8785% | 3,162 |
| Core capital (leverage) ratio | 12.3392% | 1,467 |
| Tier 1 risk-based capital ratio | 19.9733% | 1,454 |
| Total risk-based capital ratio | 21.2232% | 1,416 |
| Memoranda: | ||
| Average total assets | $426,296,250 | 1,592 |
| Average earning assets | $398,977,000 | 1,574 |
| Average equity | $44,350,750 | 1,682 |
| Average total loans | $178,255,750 | 2,330 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 1,655 |
| Cost of funding earning assets | 0.7523% | 619 |
| Net interest margin | 3.7031% | 2,687 |
| Noninterest income to average assets | 0.7886% | 1,768 |
| Noninterest expense to average assets | 3.1398% | 1,951 |
| Loan and lease loss provision to assets | 0.0714% | 2,706 |
| Net operating income to assets | 1.0506% | 2,167 |
| Return on assets (ROA) | 1.1128% | 2,031 |
| Pretax return on assets | 1.1128% | 3,148 |
| Return on Equity (ROE) | 10.9663% | 1,660 |
| Retained earnings to average equity (ytd only) | 10.2568% | 548 |
| Net charge-offs to loans | 0.3472% | 674 |
| Credit loss provision to net charge-offs | 55.6054% | 2,623 |
| Earnings coverage of net charge-offs (x) | 8.7354% | 2,494 |
| Efficiency ratio | 73.6721% | 2,410 |
| Assets per employee ($millions) | 2.9366% | 5,496 |
| Cash dividends to net income (ytd only)* | 6.4700% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 1,307 |
| Loan loss allowance to noncurrent loans | 69.0246% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.1621% | 1,814 |
| Noncurrent loans to loans | 2.4390% | 732 |
| Net loans and leases to total assets | 37.6477% | 5,529 |
| Net loans and leases to deposits | 47.5986% | 5,436 |
| Net loans and leases to core deposits | 51.0560% | 5,398 |
| Total domestic deposits to total assets | 79.0941% | 4,761 |
| Equity capital to assets | 10.4681% | 3,670 |
| Core capital (leverage) ratio | 9.9976% | 3,570 |
| Tier 1 risk-based capital ratio | 19.3855% | 1,598 |
| Total risk-based capital ratio | 20.6359% | 1,556 |
| Memoranda: | ||
| Average total assets | $347,217,670 | 1,924 |
| Average earning assets | $325,674,670 | 1,900 |
| Average equity | $35,235,330 | 2,080 |
| Average total loans | $128,454,670 | 2,958 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 1,496 |
| Cost of funding earning assets | 0.7304% | 692 |
| Net interest margin | 3.7727% | 2,395 |
| Noninterest income to average assets | 0.7529% | 1,808 |
| Noninterest expense to average assets | 3.0691% | 2,182 |
| Loan and lease loss provision to assets | 0.0355% | 3,190 |
| Net operating income to assets | 1.1942% | 1,579 |
| Return on assets (ROA) | 1.2732% | 1,422 |
| Pretax return on assets | 1.2732% | 2,406 |
| Return on Equity (ROE) | 12.7447% | 1,091 |
| Retained earnings to average equity (ytd only) | 11.3107% | 601 |
| Net charge-offs to loans | 0.4224% | 531 |
| Credit loss provision to net charge-offs | 23.1343% | 2,272 |
| Earnings coverage of net charge-offs (x) | 8.0075% | 2,094 |
| Efficiency ratio | 71.3943% | 2,886 |
| Assets per employee ($millions) | 2.9951% | 5,511 |
| Cash dividends to net income (ytd only)* | 11.2511% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 1,278 |
| Loan loss allowance to noncurrent loans | 82.7715% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 2,208 |
| Noncurrent loans to loans | 2.0940% | 1,006 |
| Net loans and leases to total assets | 36.3778% | 5,618 |
| Net loans and leases to deposits | 44.9483% | 5,559 |
| Net loans and leases to core deposits | 46.8264% | 5,556 |
| Total domestic deposits to total assets | 80.9326% | 4,512 |
| Equity capital to assets | 10.3248% | 3,717 |
| Core capital (leverage) ratio | 9.5832% | 4,057 |
| Tier 1 risk-based capital ratio | 19.5689% | 1,599 |
| Total risk-based capital ratio | 20.8193% | 1,570 |
| Memoranda: | ||
| Average total assets | $349,032,500 | 1,918 |
| Average earning assets | $328,040,500 | 1,891 |
| Average equity | $34,869,500 | 2,096 |
| Average total loans | $126,898,000 | 2,986 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 1,822 |
| Cost of funding earning assets | 0.7489% | 645 |
| Net interest margin | 3.6747% | 2,853 |
| Noninterest income to average assets | 0.7097% | 2,159 |
| Noninterest expense to average assets | 3.0166% | 2,488 |
| Loan and lease loss provision to assets | 0.2196% | 935 |
| Net operating income to assets | 0.9267% | 2,718 |
| Return on assets (ROA) | 0.9506% | 2,688 |
| Pretax return on assets | 0.9506% | 3,654 |
| Return on Equity (ROE) | 10.4432% | 1,831 |
| Retained earnings to average equity (ytd only) | 8.0811% | 892 |
| Net charge-offs to loans | 0.2639% | 1,140 |
| Credit loss provision to net charge-offs | 240.1869% | 1,185 |
| Earnings coverage of net charge-offs (x) | 12.5389% | 2,456 |
| Efficiency ratio | 72.4636% | 2,834 |
| Assets per employee ($millions) | 2.9716% | 5,547 |
| Cash dividends to net income (ytd only)* | 22.6183% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 1,077 |
| Loan loss allowance to noncurrent loans | 72.2222% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1102% | 1,969 |
| Noncurrent loans to loans | 2.5371% | 719 |
| Net loans and leases to total assets | 35.0576% | 5,740 |
| Net loans and leases to deposits | 43.5900% | 5,663 |
| Net loans and leases to core deposits | 46.3171% | 5,638 |
| Total domestic deposits to total assets | 80.4258% | 4,635 |
| Equity capital to assets | 9.6645% | 4,350 |
| Core capital (leverage) ratio | 9.2474% | 4,550 |
| Tier 1 risk-based capital ratio | 19.0770% | 1,690 |
| Total risk-based capital ratio | 20.3286% | 1,641 |
| Memoranda: | ||
| Average total assets | $351,129,000 | 1,864 |
| Average earning assets | $329,960,400 | 1,839 |
| Average equity | $31,963,400 | 2,204 |
| Average total loans | $121,621,600 | 3,024 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 1,857 |
| Cost of funding earning assets | 0.7550% | 630 |
| Net interest margin | 3.6643% | 2,910 |
| Noninterest income to average assets | 0.7163% | 2,164 |
| Noninterest expense to average assets | 2.9553% | 2,660 |
| Loan and lease loss provision to assets | 0.2731% | 588 |
| Net operating income to assets | 0.9327% | 2,792 |
| Return on assets (ROA) | 0.9460% | 2,834 |
| Pretax return on assets | 0.9460% | 3,830 |
| Return on Equity (ROE) | 10.5568% | 1,878 |
| Retained earnings to average equity (ytd only) | 8.0948% | 1,214 |
| Net charge-offs to loans | 0.3298% | 798 |
| Credit loss provision to net charge-offs | 240.9396% | 1,171 |
| Earnings coverage of net charge-offs (x) | 10.6377% | 2,579 |
| Efficiency ratio | 71.0211% | 3,040 |
| Assets per employee ($millions) | 2.9845% | 5,563 |
| Cash dividends to net income (ytd only)* | 23.3211% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 1,267 |
| Loan loss allowance to noncurrent loans | 913.6000% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 4,569 |
| Noncurrent loans to loans | 0.1968% | 4,860 |
| Net loans and leases to total assets | 35.7182% | 5,792 |
| Net loans and leases to deposits | 43.3735% | 5,745 |
| Net loans and leases to core deposits | 46.0521% | 5,731 |
| Total domestic deposits to total assets | 82.3501% | 4,051 |
| Equity capital to assets | 9.0918% | 5,219 |
| Core capital (leverage) ratio | 8.3724% | 5,652 |
| Tier 1 risk-based capital ratio | 17.7464% | 2,103 |
| Total risk-based capital ratio | 18.9982% | 2,069 |
| Memoranda: | ||
| Average total assets | $350,505,250 | 1,877 |
| Average earning assets | $329,513,750 | 1,851 |
| Average equity | $31,410,250 | 2,247 |
| Average total loans | $120,455,500 | 3,066 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3653% | 1,959 |
| Cost of funding earning assets | 0.7594% | 614 |
| Net interest margin | 3.6059% | 3,070 |
| Noninterest income to average assets | 0.7044% | 2,193 |
| Noninterest expense to average assets | 2.9235% | 2,803 |
| Loan and lease loss provision to assets | 0.0610% | 2,885 |
| Net operating income to assets | 1.1050% | 1,933 |
| Return on assets (ROA) | 1.1050% | 2,021 |
| Pretax return on assets | 1.1050% | 3,151 |
| Return on Equity (ROE) | 12.3906% | 1,259 |
| Retained earnings to average equity (ytd only) | 10.6333% | 560 |
| Net charge-offs to loans | 0.4430% | 577 |
| Credit loss provision to net charge-offs | 40.8397% | 2,804 |
| Earnings coverage of net charge-offs (x) | 7.8092% | 2,625 |
| Efficiency ratio | 71.4883% | 3,071 |
| Assets per employee ($millions) | 2.7859% | 5,824 |
| Cash dividends to net income (ytd only)* | 14.1826% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 2,697 |
| Loan loss allowance to noncurrent loans | 752.8634% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 4,715 |
| Noncurrent loans to loans | 0.1877% | 5,027 |
| Net loans and leases to total assets | 33.7015% | 5,920 |
| Net loans and leases to deposits | 41.1479% | 5,872 |
| Net loans and leases to core deposits | 43.1565% | 5,859 |
| Total domestic deposits to total assets | 81.9034% | 4,322 |
| Equity capital to assets | 8.9505% | 5,284 |
| Core capital (leverage) ratio | 8.4717% | 5,559 |
| Tier 1 risk-based capital ratio | 17.3393% | 2,271 |
| Total risk-based capital ratio | 18.3521% | 2,315 |
| Memoranda: | ||
| Average total assets | $350,946,670 | 1,888 |
| Average earning assets | $329,464,330 | 1,865 |
| Average equity | $31,298,000 | 2,262 |
| Average total loans | $118,272,330 | 3,119 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 1,850 |
| Cost of funding earning assets | 0.7552% | 635 |
| Net interest margin | 3.6203% | 2,926 |
| Noninterest income to average assets | 0.7027% | 2,152 |
| Noninterest expense to average assets | 2.9778% | 2,649 |
| Loan and lease loss provision to assets | 0.0046% | 3,649 |
| Net operating income to assets | 1.1216% | 1,793 |
| Return on assets (ROA) | 1.1216% | 1,898 |
| Pretax return on assets | 1.1216% | 2,992 |
| Return on Equity (ROE) | 12.5992% | 1,193 |
| Retained earnings to average equity (ytd only) | 10.9922% | 722 |
| Net charge-offs to loans | 0.5405% | 460 |
| Credit loss provision to net charge-offs | 2.5316% | 2,481 |
| Earnings coverage of net charge-offs (x) | 6.2278% | 2,316 |
| Efficiency ratio | 72.5600% | 3,074 |
| Assets per employee ($millions) | 2.9421% | 5,745 |
| Cash dividends to net income (ytd only)* | 12.7551% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 2,615 |
| Loan loss allowance to noncurrent loans | 286.4322% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 4,365 |
| Noncurrent loans to loans | 0.5101% | 4,049 |
| Net loans and leases to total assets | 32.9415% | 5,968 |
| Net loans and leases to deposits | 38.9429% | 5,952 |
| Net loans and leases to core deposits | 41.0935% | 5,934 |
| Total domestic deposits to total assets | 84.5891% | 3,585 |
| Equity capital to assets | 8.9855% | 5,308 |
| Core capital (leverage) ratio | 8.1767% | 5,828 |
| Tier 1 risk-based capital ratio | 17.5261% | 2,289 |
| Total risk-based capital ratio | 18.5796% | 2,323 |
| Memoranda: | ||
| Average total assets | $349,514,000 | 1,900 |
| Average earning assets | $328,371,500 | 1,875 |
| Average equity | $31,113,000 | 2,287 |
| Average total loans | $116,934,000 | 3,145 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 2,309 |
| Cost of funding earning assets | 0.7921% | 675 |
| Net interest margin | 3.5807% | 3,470 |
| Noninterest income to average assets | 0.8155% | 1,809 |
| Noninterest expense to average assets | 3.0757% | 2,603 |
| Loan and lease loss provision to assets | -0.1315% | 6,201 |
| Net operating income to assets | 1.2306% | 1,494 |
| Return on assets (ROA) | 1.2335% | 1,538 |
| Pretax return on assets | 1.2335% | 2,511 |
| Return on Equity (ROE) | 14.3708% | 870 |
| Retained earnings to average equity (ytd only) | 12.5792% | 252 |
| Net charge-offs to loans | 0.4161% | 1,026 |
| Credit loss provision to net charge-offs | -94.5263% | 5,509 |
| Earnings coverage of net charge-offs (x) | 7.8989% | 2,958 |
| Efficiency ratio | 73.6739% | 2,884 |
| Assets per employee ($millions) | 3.2011% | 5,433 |
| Cash dividends to net income (ytd only)* | 12.4673% | 4,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 2,109 |
| Loan loss allowance to noncurrent loans | 390.7757% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 4,351 |
| Noncurrent loans to loans | 0.4083% | 4,416 |
| Net loans and leases to total assets | 32.9483% | 6,086 |
| Net loans and leases to deposits | 39.9316% | 6,040 |
| Net loans and leases to core deposits | 42.2017% | 6,032 |
| Total domestic deposits to total assets | 82.5120% | 4,241 |
| Equity capital to assets | 8.8178% | 5,469 |
| Core capital (leverage) ratio | 8.0762% | 5,950 |
| Tier 1 risk-based capital ratio | 17.2822% | 2,388 |
| Total risk-based capital ratio | 18.4496% | 2,381 |
| Memoranda: | ||
| Average total assets | $341,381,400 | 1,905 |
| Average earning assets | $320,268,200 | 1,868 |
| Average equity | $29,302,400 | 2,319 |
| Average total loans | $114,154,000 | 3,138 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 2,343 |
| Cost of funding earning assets | 0.7971% | 693 |
| Net interest margin | 3.5739% | 3,536 |
| Noninterest income to average assets | 0.8483% | 1,707 |
| Noninterest expense to average assets | 3.0283% | 2,708 |
| Loan and lease loss provision to assets | -0.1865% | 6,378 |
| Net operating income to assets | 1.3592% | 1,226 |
| Return on assets (ROA) | 1.3632% | 1,255 |
| Pretax return on assets | 1.3632% | 2,146 |
| Return on Equity (ROE) | 15.9934% | 675 |
| Retained earnings to average equity (ytd only) | 14.1964% | 241 |
| Net charge-offs to loans | 0.4582% | 858 |
| Credit loss provision to net charge-offs | -121.7949% | 5,479 |
| Earnings coverage of net charge-offs (x) | 7.6564% | 2,906 |
| Efficiency ratio | 72.0856% | 3,156 |
| Assets per employee ($millions) | 3.1872% | 5,453 |
| Cash dividends to net income (ytd only)* | 11.2360% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 2,085 |
| Loan loss allowance to noncurrent loans | 284.4675% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 4,530 |
| Noncurrent loans to loans | 0.5847% | 4,171 |
| Net loans and leases to total assets | 33.0269% | 6,149 |
| Net loans and leases to deposits | 39.5951% | 6,126 |
| Net loans and leases to core deposits | 42.1742% | 6,110 |
| Total domestic deposits to total assets | 83.4117% | 3,989 |
| Equity capital to assets | 8.8050% | 5,547 |
| Core capital (leverage) ratio | 7.8889% | 6,140 |
| Tier 1 risk-based capital ratio | 17.3134% | 2,465 |
| Total risk-based capital ratio | 18.5469% | 2,436 |
| Memoranda: | ||
| Average total assets | $339,497,000 | 1,923 |
| Average earning assets | $318,483,000 | 1,889 |
| Average equity | $28,936,250 | 2,357 |
| Average total loans | $113,485,750 | 3,173 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 2,403 |
| Cost of funding earning assets | 0.7980% | 714 |
| Net interest margin | 3.5479% | 3,583 |
| Noninterest income to average assets | 0.8765% | 1,570 |
| Noninterest expense to average assets | 3.0243% | 2,746 |
| Loan and lease loss provision to assets | -0.3314% | 6,541 |
| Net operating income to assets | 1.5098% | 853 |
| Return on assets (ROA) | 1.5151% | 883 |
| Pretax return on assets | 1.5151% | 1,495 |
| Return on Equity (ROE) | 17.9782% | 460 |
| Retained earnings to average equity (ytd only) | 16.1171% | 169 |
| Net charge-offs to loans | 0.5693% | 721 |
| Credit loss provision to net charge-offs | -174.4548% | 5,369 |
| Earnings coverage of net charge-offs (x) | 6.2025% | 2,807 |
| Efficiency ratio | 71.9617% | 3,351 |
| Assets per employee ($millions) | 3.0886% | 5,614 |
| Cash dividends to net income (ytd only)* | 10.3516% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 2,286 |
| Loan loss allowance to noncurrent loans | 359.3220% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 4,838 |
| Noncurrent loans to loans | 0.4597% | 4,616 |
| Net loans and leases to total assets | 32.8410% | 6,206 |
| Net loans and leases to deposits | 39.1277% | 6,186 |
| Net loans and leases to core deposits | 42.0651% | 6,148 |
| Total domestic deposits to total assets | 83.9330% | 3,940 |
| Equity capital to assets | 8.6287% | 5,683 |
| Core capital (leverage) ratio | 7.7811% | 6,218 |
| Tier 1 risk-based capital ratio | 16.7321% | 2,736 |
| Total risk-based capital ratio | 17.9504% | 2,708 |
| Memoranda: | ||
| Average total assets | $337,925,000 | 1,934 |
| Average earning assets | $316,810,670 | 1,894 |
| Average equity | $28,479,000 | 2,375 |
| Average total loans | $112,779,000 | 3,192 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 2,010 |
| Cost of funding earning assets | 0.8087% | 717 |
| Net interest margin | 3.6256% | 3,156 |
| Noninterest income to average assets | 0.9511% | 1,256 |
| Noninterest expense to average assets | 3.1229% | 2,468 |
| Loan and lease loss provision to assets | 0.3893% | 433 |
| Net operating income to assets | 0.8385% | 2,957 |
| Return on assets (ROA) | 0.8385% | 3,031 |
| Pretax return on assets | 0.8385% | 3,943 |
| Return on Equity (ROE) | 10.0741% | 2,009 |
| Retained earnings to average equity (ytd only) | 8.2752% | 1,505 |
| Net charge-offs to loans | 1.0376% | 318 |
| Credit loss provision to net charge-offs | 112.4567% | 1,526 |
| Earnings coverage of net charge-offs (x) | 3.5467% | 2,668 |
| Efficiency ratio | 71.7786% | 3,528 |
| Assets per employee ($millions) | 3.0326% | 5,808 |
| Cash dividends to net income (ytd only)* | 17.8571% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5428% | 774 |
| Loan loss allowance to noncurrent loans | 842.9851% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 5,086 |
| Noncurrent loans to loans | 0.3016% | 5,210 |
| Net loans and leases to total assets | 32.1530% | 6,261 |
| Net loans and leases to deposits | 37.9087% | 6,252 |
| Net loans and leases to core deposits | 40.7374% | 6,211 |
| Total domestic deposits to total assets | 84.8168% | 3,949 |
| Equity capital to assets | 8.4186% | 5,729 |
| Core capital (leverage) ratio | 7.3044% | 6,402 |
| Tier 1 risk-based capital ratio | 16.0041% | 3,170 |
| Total risk-based capital ratio | 17.2617% | 3,122 |
| Memoranda: | ||
| Average total assets | $333,924,000 | 1,965 |
| Average earning assets | $313,110,000 | 1,920 |
| Average equity | $27,794,000 | 2,417 |
| Average total loans | $111,411,500 | 3,231 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 2,644 |
| Cost of funding earning assets | 0.8891% | 787 |
| Net interest margin | 3.4948% | 3,934 |
| Noninterest income to average assets | 0.9244% | 1,597 |
| Noninterest expense to average assets | 3.0330% | 2,955 |
| Loan and lease loss provision to assets | 0.4452% | 652 |
| Net operating income to assets | 0.7208% | 3,696 |
| Return on assets (ROA) | 0.8270% | 3,234 |
| Pretax return on assets | 0.8270% | 4,045 |
| Return on Equity (ROE) | 10.2124% | 2,025 |
| Retained earnings to average equity (ytd only) | 8.2571% | 968 |
| Net charge-offs to loans | 0.3717% | 1,819 |
| Credit loss provision to net charge-offs | 340.0922% | 669 |
| Earnings coverage of net charge-offs (x) | 8.9078% | 2,583 |
| Efficiency ratio | 72.2310% | 3,436 |
| Assets per employee ($millions) | 2.7374% | 6,179 |
| Cash dividends to net income (ytd only)* | 19.1466% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4945% | 831 |
| Loan loss allowance to noncurrent loans | 168.6630% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 4,308 |
| Noncurrent loans to loans | 1.4790% | 2,674 |
| Net loans and leases to total assets | 32.9011% | 6,345 |
| Net loans and leases to deposits | 39.3400% | 6,327 |
| Net loans and leases to core deposits | 42.8664% | 6,276 |
| Total domestic deposits to total assets | 83.6326% | 4,305 |
| Equity capital to assets | 8.2267% | 5,845 |
| Core capital (leverage) ratio | 7.2810% | 6,448 |
| Tier 1 risk-based capital ratio | 15.7233% | 3,239 |
| Total risk-based capital ratio | 16.9807% | 3,193 |
| Memoranda: | ||
| Average total assets | $331,553,200 | 1,946 |
| Average earning assets | $310,662,400 | 1,909 |
| Average equity | $26,849,600 | 2,475 |
| Average total loans | $116,773,000 | 3,114 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3959% | 2,611 |
| Cost of funding earning assets | 0.9109% | 776 |
| Net interest margin | 3.4850% | 3,947 |
| Noninterest income to average assets | 0.8789% | 1,827 |
| Noninterest expense to average assets | 2.9216% | 3,231 |
| Loan and lease loss provision to assets | 0.0961% | 3,156 |
| Net operating income to assets | 1.1265% | 1,901 |
| Return on assets (ROA) | 1.1977% | 1,716 |
| Pretax return on assets | 1.1977% | 2,706 |
| Return on Equity (ROE) | 14.8484% | 826 |
| Retained earnings to average equity (ytd only) | 12.8796% | 345 |
| Net charge-offs to loans | 0.2610% | 2,249 |
| Credit loss provision to net charge-offs | 103.4632% | 2,265 |
| Earnings coverage of net charge-offs (x) | 13.1646% | 2,055 |
| Efficiency ratio | 70.4986% | 3,672 |
| Assets per employee ($millions) | 2.8866% | 6,029 |
| Cash dividends to net income (ytd only)* | 13.2594% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,330 |
| Loan loss allowance to noncurrent loans | 144.6002% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 4,622 |
| Noncurrent loans to loans | 1.0589% | 3,683 |
| Net loans and leases to total assets | 34.2784% | 6,349 |
| Net loans and leases to deposits | 40.7584% | 6,363 |
| Net loans and leases to core deposits | 45.0118% | 6,246 |
| Total domestic deposits to total assets | 84.1014% | 4,149 |
| Equity capital to assets | 8.3162% | 5,904 |
| Core capital (leverage) ratio | 7.2938% | 6,514 |
| Tier 1 risk-based capital ratio | 15.6353% | 3,380 |
| Total risk-based capital ratio | 16.7650% | 3,423 |
| Memoranda: | ||
| Average total assets | $331,635,000 | 1,953 |
| Average earning assets | $310,736,000 | 1,919 |
| Average equity | $26,749,750 | 2,507 |
| Average total loans | $118,025,000 | 3,097 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 2,638 |
| Cost of funding earning assets | 0.9376% | 750 |
| Net interest margin | 3.4430% | 4,030 |
| Noninterest income to average assets | 0.8830% | 1,878 |
| Noninterest expense to average assets | 2.9168% | 3,281 |
| Loan and lease loss provision to assets | 0.0343% | 4,256 |
| Net operating income to assets | 1.1567% | 1,710 |
| Return on assets (ROA) | 1.2590% | 1,529 |
| Pretax return on assets | 1.2590% | 2,454 |
| Return on Equity (ROE) | 15.7698% | 697 |
| Retained earnings to average equity (ytd only) | 12.7937% | 406 |
| Net charge-offs to loans | 0.0789% | 3,588 |
| Credit loss provision to net charge-offs | 121.2766% | 1,842 |
| Earnings coverage of net charge-offs (x) | 42.1277% | 897 |
| Efficiency ratio | 71.0060% | 3,641 |
| Assets per employee ($millions) | 2.9219% | 5,983 |
| Cash dividends to net income (ytd only)* | 18.8724% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 3,680 |
| Loan loss allowance to noncurrent loans | 224.8399% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 5,141 |
| Noncurrent loans to loans | 0.6573% | 4,625 |
| Net loans and leases to total assets | 34.8368% | 6,371 |
| Net loans and leases to deposits | 42.1395% | 6,320 |
| Net loans and leases to core deposits | 48.1605% | 6,123 |
| Total domestic deposits to total assets | 82.6703% | 4,823 |
| Equity capital to assets | 8.1144% | 6,118 |
| Core capital (leverage) ratio | 7.0931% | 6,588 |
| Tier 1 risk-based capital ratio | 14.7549% | 3,941 |
| Total risk-based capital ratio | 15.8627% | 3,983 |
| Memoranda: | ||
| Average total assets | $332,491,000 | 1,953 |
| Average earning assets | $311,418,330 | 1,921 |
| Average equity | $26,544,330 | 2,531 |
| Average total loans | $119,182,330 | 3,088 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 2,568 |
| Cost of funding earning assets | 0.9531% | 773 |
| Net interest margin | 3.4341% | 3,986 |
| Noninterest income to average assets | 0.8950% | 1,773 |
| Noninterest expense to average assets | 2.8725% | 3,451 |
| Loan and lease loss provision to assets | 0.0544% | 3,719 |
| Net operating income to assets | 1.1841% | 1,574 |
| Return on assets (ROA) | 1.1877% | 1,672 |
| Pretax return on assets | 1.1877% | 2,623 |
| Return on Equity (ROE) | 15.0018% | 768 |
| Retained earnings to average equity (ytd only) | 13.0922% | 549 |
| Net charge-offs to loans | 0.0402% | 3,472 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 85.3333% | 440 |
| Efficiency ratio | 69.8735% | 3,999 |
| Assets per employee ($millions) | 2.8256% | 6,248 |
| Cash dividends to net income (ytd only)* | 12.7291% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 3,845 |
| Loan loss allowance to noncurrent loans | 111.1181% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 4,449 |
| Noncurrent loans to loans | 1.3463% | 3,546 |
| Net loans and leases to total assets | 35.7388% | 6,319 |
| Net loans and leases to deposits | 41.5855% | 6,345 |
| Net loans and leases to core deposits | 47.7279% | 6,107 |
| Total domestic deposits to total assets | 85.9404% | 3,559 |
| Equity capital to assets | 8.1630% | 6,284 |
| Core capital (leverage) ratio | 6.9118% | 6,667 |
| Tier 1 risk-based capital ratio | 14.5466% | 4,144 |
| Total risk-based capital ratio | 15.6943% | 4,183 |
| Memoranda: | ||
| Average total assets | $330,727,500 | 1,984 |
| Average earning assets | $309,717,000 | 1,962 |
| Average equity | $26,183,500 | 2,598 |
| Average total loans | $119,366,500 | 3,100 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 2,844 |
| Cost of funding earning assets | 1.1003% | 903 |
| Net interest margin | 3.5405% | 4,343 |
| Noninterest income to average assets | 0.9352% | 1,761 |
| Noninterest expense to average assets | 3.0350% | 3,147 |
| Loan and lease loss provision to assets | 0.1547% | 3,678 |
| Net operating income to assets | 1.0658% | 2,067 |
| Return on assets (ROA) | 1.1105% | 2,084 |
| Pretax return on assets | 1.1105% | 3,123 |
| Return on Equity (ROE) | 14.7556% | 857 |
| Retained earnings to average equity (ytd only) | 12.0176% | 323 |
| Net charge-offs to loans | 0.2984% | 3,153 |
| Credit loss provision to net charge-offs | 134.0659% | 2,085 |
| Earnings coverage of net charge-offs (x) | 10.5769% | 2,128 |
| Efficiency ratio | 71.3200% | 3,563 |
| Assets per employee ($millions) | 3.0897% | 5,859 |
| Cash dividends to net income (ytd only)* | 18.5555% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 3,911 |
| Loan loss allowance to noncurrent loans | 278.0255% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 5,090 |
| Noncurrent loans to loans | 0.5242% | 5,223 |
| Net loans and leases to total assets | 35.3828% | 6,472 |
| Net loans and leases to deposits | 40.7392% | 6,516 |
| Net loans and leases to core deposits | 47.3759% | 6,308 |
| Total domestic deposits to total assets | 86.8520% | 2,911 |
| Equity capital to assets | 7.6752% | 6,563 |
| Core capital (leverage) ratio | 6.7053% | 6,757 |
| Tier 1 risk-based capital ratio | 13.8435% | 4,499 |
| Total risk-based capital ratio | 14.9578% | 4,545 |
| Memoranda: | ||
| Average total assets | $315,453,400 | 2,034 |
| Average earning assets | $295,835,800 | 1,994 |
| Average equity | $23,740,200 | 2,773 |
| Average total loans | $121,971,200 | 3,035 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 2,829 |
| Cost of funding earning assets | 1.1110% | 1,025 |
| Net interest margin | 3.5832% | 4,302 |
| Noninterest income to average assets | 0.9461% | 1,683 |
| Noninterest expense to average assets | 2.9643% | 3,358 |
| Loan and lease loss provision to assets | 0.1797% | 3,342 |
| Net operating income to assets | 1.1674% | 1,842 |
| Return on assets (ROA) | 1.2115% | 1,875 |
| Pretax return on assets | 1.2115% | 2,948 |
| Return on Equity (ROE) | 16.1846% | 720 |
| Retained earnings to average equity (ytd only) | 13.1769% | 378 |
| Net charge-offs to loans | 0.3232% | 2,832 |
| Credit loss provision to net charge-offs | 141.0774% | 2,044 |
| Earnings coverage of net charge-offs (x) | 10.5758% | 2,175 |
| Efficiency ratio | 68.7556% | 3,919 |
| Assets per employee ($millions) | 3.0924% | 5,872 |
| Cash dividends to net income (ytd only)* | 18.5840% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 4,174 |
| Loan loss allowance to noncurrent loans | 506.9767% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 5,460 |
| Noncurrent loans to loans | 0.2851% | 5,919 |
| Net loans and leases to total assets | 36.6183% | 6,514 |
| Net loans and leases to deposits | 42.4883% | 6,574 |
| Net loans and leases to core deposits | 48.6038% | 6,374 |
| Total domestic deposits to total assets | 86.1843% | 3,156 |
| Equity capital to assets | 8.0048% | 6,587 |
| Core capital (leverage) ratio | 6.6380% | 6,859 |
| Tier 1 risk-based capital ratio | 13.6292% | 4,798 |
| Total risk-based capital ratio | 14.7537% | 4,833 |
| Memoranda: | ||
| Average total assets | $310,895,500 | 2,094 |
| Average earning assets | $291,982,250 | 2,046 |
| Average equity | $23,272,500 | 2,852 |
| Average total loans | $122,510,750 | 3,068 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 2,462 |
| Cost of funding earning assets | 1.1711% | 937 |
| Net interest margin | 3.6390% | 4,086 |
| Noninterest income to average assets | 0.9422% | 1,638 |
| Noninterest expense to average assets | 3.0677% | 3,025 |
| Loan and lease loss provision to assets | 0.0059% | 5,582 |
| Net operating income to assets | 1.2857% | 1,477 |
| Return on assets (ROA) | 1.3236% | 1,530 |
| Pretax return on assets | 1.3236% | 2,464 |
| Return on Equity (ROE) | 18.1257% | 492 |
| Retained earnings to average equity (ytd only) | 14.7724% | 293 |
| Net charge-offs to loans | 0.0422% | 4,786 |
| Credit loss provision to net charge-offs | 34.6154% | 4,362 |
| Earnings coverage of net charge-offs (x) | 76.0769% | 533 |
| Efficiency ratio | 70.3715% | 3,702 |
| Assets per employee ($millions) | 3.1030% | 5,845 |
| Cash dividends to net income (ytd only)* | 18.5002% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 4,820 |
| Loan loss allowance to noncurrent loans | 375.0000% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 5,704 |
| Noncurrent loans to loans | 0.3512% | 5,846 |
| Net loans and leases to total assets | 37.9975% | 6,479 |
| Net loans and leases to deposits | 43.4701% | 6,579 |
| Net loans and leases to core deposits | 48.3450% | 6,436 |
| Total domestic deposits to total assets | 87.4106% | 2,530 |
| Equity capital to assets | 7.6223% | 6,752 |
| Core capital (leverage) ratio | 6.6383% | 6,898 |
| Tier 1 risk-based capital ratio | 13.3337% | 4,942 |
| Total risk-based capital ratio | 14.3781% | 5,069 |
| Memoranda: | ||
| Average total assets | $306,292,670 | 2,119 |
| Average earning assets | $287,603,000 | 2,076 |
| Average equity | $22,366,000 | 2,941 |
| Average total loans | $123,132,670 | 3,067 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 2,333 |
| Cost of funding earning assets | 1.1952% | 1,012 |
| Net interest margin | 3.6815% | 3,916 |
| Noninterest income to average assets | 0.9615% | 1,534 |
| Noninterest expense to average assets | 3.1715% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2550% | 1,589 |
| Return on assets (ROA) | 1.2630% | 1,733 |
| Pretax return on assets | 1.2630% | 2,684 |
| Return on Equity (ROE) | 17.7041% | 584 |
| Retained earnings to average equity (ytd only) | 14.4463% | 517 |
| Net charge-offs to loans | 0.0549% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 55.5882% | 582 |
| Efficiency ratio | 71.6472% | 3,509 |
| Assets per employee ($millions) | 2.9700% | 6,213 |
| Cash dividends to net income (ytd only)* | 18.4017% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 5,025 |
| Loan loss allowance to noncurrent loans | 48.1548% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 1.3250% | 3,900 |
| Noncurrent loans to loans | 2.6985% | 2,420 |
| Net loans and leases to total assets | 39.0919% | 6,424 |
| Net loans and leases to deposits | 43.6670% | 6,575 |
| Net loans and leases to core deposits | 49.9592% | 6,346 |
| Total domestic deposits to total assets | 89.5227% | 1,359 |
| Equity capital to assets | 7.2106% | 6,878 |
| Core capital (leverage) ratio | 6.5725% | 6,956 |
| Tier 1 risk-based capital ratio | 12.7964% | 5,367 |
| Total risk-based capital ratio | 13.8435% | 5,491 |
| Memoranda: | ||
| Average total assets | $301,186,500 | 2,159 |
| Average earning assets | $283,473,000 | 2,109 |
| Average equity | $21,486,500 | 3,042 |
| Average total loans | $123,764,500 | 3,069 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2690% | 1,804 |
| Cost of funding earning assets | 1.3406% | 1,290 |
| Net interest margin | 3.9284% | 3,214 |
| Noninterest income to average assets | 1.0614% | 1,191 |
| Noninterest expense to average assets | 3.4782% | 2,040 |
| Loan and lease loss provision to assets | 0.2027% | 4,157 |
| Net operating income to assets | 1.0599% | 1,963 |
| Return on assets (ROA) | 1.0860% | 2,004 |
| Pretax return on assets | 1.0860% | 2,892 |
| Return on Equity (ROE) | 16.2148% | 571 |
| Retained earnings to average equity (ytd only) | 9.6894% | 630 |
| Net charge-offs to loans | 0.3910% | 3,461 |
| Credit loss provision to net charge-offs | 113.3470% | 2,900 |
| Earnings coverage of net charge-offs (x) | 7.0595% | 2,403 |
| Efficiency ratio | 73.3674% | 3,330 |
| Assets per employee ($millions) | 2.8483% | 6,383 |
| Cash dividends to net income (ytd only)* | 40.2435% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 4,867 |
| Loan loss allowance to noncurrent loans | 410.6329% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 5,867 |
| Noncurrent loans to loans | 0.3185% | 6,096 |
| Net loans and leases to total assets | 42.1288% | 6,376 |
| Net loans and leases to deposits | 47.9062% | 6,500 |
| Net loans and leases to core deposits | 53.4282% | 6,345 |
| Total domestic deposits to total assets | 87.9402% | 2,200 |
| Equity capital to assets | 7.0516% | 6,952 |
| Core capital (leverage) ratio | 6.6052% | 6,959 |
| Tier 1 risk-based capital ratio | 12.4964% | 5,454 |
| Total risk-based capital ratio | 13.5724% | 5,574 |
| Memoranda: | ||
| Average total assets | $272,292,800 | 2,320 |
| Average earning assets | $255,038,400 | 2,270 |
| Average equity | $18,236,400 | 3,396 |
| Average total loans | $124,559,800 | 3,089 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3432% | 1,704 |
| Cost of funding earning assets | 1.3591% | 1,421 |
| Net interest margin | 3.9841% | 2,983 |
| Noninterest income to average assets | 1.0762% | 1,160 |
| Noninterest expense to average assets | 3.3893% | 2,217 |
| Loan and lease loss provision to assets | 0.0812% | 5,428 |
| Net operating income to assets | 1.3341% | 1,299 |
| Return on assets (ROA) | 1.3695% | 1,305 |
| Pretax return on assets | 1.3695% | 2,045 |
| Return on Equity (ROE) | 20.7459% | 265 |
| Retained earnings to average equity (ytd only) | 15.1633% | 222 |
| Net charge-offs to loans | 0.2684% | 3,764 |
| Credit loss provision to net charge-offs | 64.9402% | 4,633 |
| Earnings coverage of net charge-offs (x) | 11.3227% | 1,818 |
| Efficiency ratio | 70.5431% | 3,846 |
| Assets per employee ($millions) | 2.5001% | 6,888 |
| Cash dividends to net income (ytd only)* | 26.9090% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,540 |
| Loan loss allowance to noncurrent loans | 411.4846% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 6,045 |
| Noncurrent loans to loans | 0.2874% | 6,277 |
| Net loans and leases to total assets | 43.8440% | 6,346 |
| Net loans and leases to deposits | 49.3177% | 6,538 |
| Net loans and leases to core deposits | 54.6690% | 6,413 |
| Total domestic deposits to total assets | 88.9012% | 1,484 |
| Equity capital to assets | 7.3576% | 6,966 |
| Core capital (leverage) ratio | 7.0165% | 6,957 |
| Tier 1 risk-based capital ratio | 12.9508% | 5,137 |
| Total risk-based capital ratio | 13.9478% | 5,310 |
| Memoranda: | ||
| Average total assets | $267,734,000 | 2,369 |
| Average earning assets | $250,557,250 | 2,310 |
| Average equity | $17,673,750 | 3,474 |
| Average total loans | $124,695,250 | 3,108 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3955% | 1,578 |
| Cost of funding earning assets | 1.3911% | 1,458 |
| Net interest margin | 4.0044% | 2,812 |
| Noninterest income to average assets | 1.0249% | 1,261 |
| Noninterest expense to average assets | 3.3796% | 2,317 |
| Loan and lease loss provision to assets | 0.0781% | 5,335 |
| Net operating income to assets | 1.3101% | 1,288 |
| Return on assets (ROA) | 1.3488% | 1,271 |
| Pretax return on assets | 1.3488% | 1,968 |
| Return on Equity (ROE) | 21.2964% | 260 |
| Retained earnings to average equity (ytd only) | 14.1098% | 304 |
| Net charge-offs to loans | 0.2243% | 3,776 |
| Credit loss provision to net charge-offs | 73.5714% | 3,961 |
| Earnings coverage of net charge-offs (x) | 13.0714% | 1,579 |
| Efficiency ratio | 70.8831% | 3,952 |
| Assets per employee ($millions) | 2.8947% | 6,313 |
| Cash dividends to net income (ytd only)* | 33.7458% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 5,540 |
| Loan loss allowance to noncurrent loans | 709.8131% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 6,186 |
| Noncurrent loans to loans | 0.1692% | 6,556 |
| Net loans and leases to total assets | 45.9313% | 6,278 |
| Net loans and leases to deposits | 52.3713% | 6,435 |
| Net loans and leases to core deposits | 58.5435% | 6,230 |
| Total domestic deposits to total assets | 87.7032% | 2,336 |
| Equity capital to assets | 6.8231% | 7,139 |
| Core capital (leverage) ratio | 6.7916% | 7,056 |
| Tier 1 risk-based capital ratio | 12.1839% | 5,625 |
| Total risk-based capital ratio | 13.1980% | 5,807 |
| Memoranda: | ||
| Average total assets | $263,641,670 | 2,420 |
| Average earning assets | $246,427,670 | 2,361 |
| Average equity | $16,697,670 | 3,618 |
| Average total loans | $124,848,000 | 3,126 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4414% | 1,448 |
| Cost of funding earning assets | 1.4093% | 1,564 |
| Net interest margin | 4.0321% | 2,556 |
| Noninterest income to average assets | 0.9483% | 1,480 |
| Noninterest expense to average assets | 3.2319% | 2,770 |
| Loan and lease loss provision to assets | 0.0031% | 5,819 |
| Net operating income to assets | 1.4895% | 894 |
| Return on assets (ROA) | 1.4834% | 943 |
| Pretax return on assets | 1.4834% | 1,494 |
| Return on Equity (ROE) | 24.4108% | 183 |
| Retained earnings to average equity (ytd only) | 14.2608% | 453 |
| Net charge-offs to loans | 0.2806% | 2,945 |
| Credit loss provision to net charge-offs | 2.2989% | 4,457 |
| Earnings coverage of net charge-offs (x) | 11.1264% | 1,579 |
| Efficiency ratio | 68.4073% | 4,577 |
| Assets per employee ($millions) | 2.4018% | 7,102 |
| Cash dividends to net income (ytd only)* | 41.5800% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,743 |
| Loan loss allowance to noncurrent loans | 700.9524% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 6,215 |
| Noncurrent loans to loans | 0.1677% | 6,632 |
| Net loans and leases to total assets | 46.8382% | 6,206 |
| Net loans and leases to deposits | 52.1240% | 6,468 |
| Net loans and leases to core deposits | 59.4090% | 6,148 |
| Total domestic deposits to total assets | 89.8592% | 1,239 |
| Equity capital to assets | 6.2214% | 7,261 |
| Core capital (leverage) ratio | 6.7133% | 7,111 |
| Tier 1 risk-based capital ratio | 11.7338% | 5,910 |
| Total risk-based capital ratio | 12.7134% | 6,117 |
| Memoranda: | ||
| Average total assets | $259,410,500 | 2,481 |
| Average earning assets | $242,953,000 | 2,421 |
| Average equity | $15,763,500 | 3,759 |
| Average total loans | $124,022,000 | 3,180 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3743% | 2,790 |
| Cost of funding earning assets | 1.4550% | 2,930 |
| Net interest margin | 3.9193% | 3,401 |
| Noninterest income to average assets | 1.2384% | 981 |
| Noninterest expense to average assets | 3.6119% | 1,893 |
| Loan and lease loss provision to assets | 0.2715% | 4,637 |
| Net operating income to assets | 1.0086% | 2,014 |
| Return on assets (ROA) | 1.0576% | 1,943 |
| Pretax return on assets | 1.0576% | 2,745 |
| Return on Equity (ROE) | 15.7997% | 602 |
| Retained earnings to average equity (ytd only) | 10.0683% | 508 |
| Net charge-offs to loans | 0.3348% | 4,338 |
| Credit loss provision to net charge-offs | 164.5995% | 2,097 |
| Earnings coverage of net charge-offs (x) | 7.7597% | 2,068 |
| Efficiency ratio | 73.8323% | 3,432 |
| Assets per employee ($millions) | 2.4483% | 7,077 |
| Cash dividends to net income (ytd only)* | 36.2757% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 5,172 |
| Loan loss allowance to noncurrent loans | 358.7558% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 5,888 |
| Noncurrent loans to loans | 0.3533% | 6,353 |
| Net loans and leases to total assets | 47.6271% | 6,425 |
| Net loans and leases to deposits | 53.4251% | 6,650 |
| Net loans and leases to core deposits | 59.4698% | 6,437 |
| Total domestic deposits to total assets | 89.1474% | 1,572 |
| Equity capital to assets | 5.9264% | 7,350 |
| Core capital (leverage) ratio | 6.7543% | 7,127 |
| Tier 1 risk-based capital ratio | 11.7136% | 5,717 |
| Total risk-based capital ratio | 12.7820% | 5,886 |
| Memoranda: | ||
| Average total assets | $234,585,600 | 2,698 |
| Average earning assets | $218,687,800 | 2,650 |
| Average equity | $15,702,800 | 3,818 |
| Average total loans | $115,601,000 | 3,414 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3469% | 3,134 |
| Cost of funding earning assets | 1.4236% | 3,435 |
| Net interest margin | 3.9234% | 3,435 |
| Noninterest income to average assets | 1.2254% | 922 |
| Noninterest expense to average assets | 3.5653% | 1,865 |
| Loan and lease loss provision to assets | 0.2184% | 4,887 |
| Net operating income to assets | 1.0959% | 1,902 |
| Return on assets (ROA) | 1.1917% | 1,701 |
| Pretax return on assets | 1.1917% | 2,519 |
| Return on Equity (ROE) | 17.2549% | 560 |
| Retained earnings to average equity (ytd only) | 9.6869% | 870 |
| Net charge-offs to loans | 0.2999% | 4,165 |
| Credit loss provision to net charge-offs | 146.8750% | 2,673 |
| Earnings coverage of net charge-offs (x) | 8.8400% | 2,104 |
| Efficiency ratio | 73.0659% | 3,509 |
| Assets per employee ($millions) | 2.4158% | 7,179 |
| Cash dividends to net income (ytd only)* | 43.8597% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 5,574 |
| Loan loss allowance to noncurrent loans | 792.7778% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 6,190 |
| Noncurrent loans to loans | 0.1493% | 6,876 |
| Net loans and leases to total assets | 47.8819% | 6,532 |
| Net loans and leases to deposits | 53.5279% | 6,798 |
| Net loans and leases to core deposits | 60.7701% | 6,554 |
| Total domestic deposits to total assets | 89.4522% | 1,145 |
| Equity capital to assets | 7.0928% | 7,306 |
| Core capital (leverage) ratio | 6.9477% | 7,192 |
| Tier 1 risk-based capital ratio | 11.7237% | 5,711 |
| Total risk-based capital ratio | 12.7291% | 5,937 |
| Memoranda: | ||
| Average total assets | $229,576,500 | 2,790 |
| Average earning assets | $213,825,250 | 2,744 |
| Average equity | $15,856,000 | 3,834 |
| Average total loans | $113,794,750 | 3,505 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 3,124 |
| Cost of funding earning assets | 1.4237% | 3,723 |
| Net interest margin | 3.9431% | 3,268 |
| Noninterest income to average assets | 1.1499% | 978 |
| Noninterest expense to average assets | 3.7122% | 1,537 |
| Loan and lease loss provision to assets | 0.1685% | 5,193 |
| Net operating income to assets | 0.9428% | 2,392 |
| Return on assets (ROA) | 1.0531% | 2,079 |
| Pretax return on assets | 1.0531% | 2,921 |
| Return on Equity (ROE) | 15.4014% | 784 |
| Retained earnings to average equity (ytd only) | 3.6046% | 3,803 |
| Net charge-offs to loans | 0.3030% | 3,795 |
| Credit loss provision to net charge-offs | 111.2426% | 3,639 |
| Earnings coverage of net charge-offs (x) | 7.3373% | 2,317 |
| Efficiency ratio | 76.9602% | 2,899 |
| Assets per employee ($millions) | 2.1853% | 7,452 |
| Cash dividends to net income (ytd only)* | 76.5957% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 5,714 |
| Loan loss allowance to noncurrent loans | 866.6667% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 6,138 |
| Noncurrent loans to loans | 0.1321% | 7,002 |
| Net loans and leases to total assets | 49.8967% | 6,441 |
| Net loans and leases to deposits | 59.1187% | 6,488 |
| Net loans and leases to core deposits | 66.4741% | 6,205 |
| Total domestic deposits to total assets | 84.4009% | 3,916 |
| Equity capital to assets | 7.0358% | 7,336 |
| Core capital (leverage) ratio | 7.0512% | 7,156 |
| Tier 1 risk-based capital ratio | 11.8224% | 5,467 |
| Total risk-based capital ratio | 12.8169% | 5,675 |
| Memoranda: | ||
| Average total assets | $223,159,000 | 2,893 |
| Average earning assets | $207,909,670 | 2,838 |
| Average equity | $15,258,330 | 3,940 |
| Average total loans | $111,536,000 | 3,597 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3759% | 3,162 |
| Cost of funding earning assets | 1.4323% | 3,973 |
| Net interest margin | 3.9436% | 3,133 |
| Noninterest income to average assets | 0.9581% | 1,424 |
| Noninterest expense to average assets | 3.4689% | 2,060 |
| Loan and lease loss provision to assets | 0.0655% | 5,982 |
| Net operating income to assets | 1.0981% | 1,832 |
| Return on assets (ROA) | 1.1254% | 1,832 |
| Pretax return on assets | 1.1254% | 2,652 |
| Return on Equity (ROE) | 16.7122% | 631 |
| Retained earnings to average equity (ytd only) | 4.5628% | 3,414 |
| Net charge-offs to loans | 0.1901% | 3,783 |
| Credit loss provision to net charge-offs | 69.2308% | 4,117 |
| Earnings coverage of net charge-offs (x) | 12.3077% | 1,574 |
| Efficiency ratio | 74.8823% | 3,428 |
| Assets per employee ($millions) | 2.3674% | 7,377 |
| Cash dividends to net income (ytd only)* | 72.6979% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,762 |
| Loan loss allowance to noncurrent loans | 348.9189% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 5,800 |
| Noncurrent loans to loans | 0.3303% | 6,637 |
| Net loans and leases to total assets | 50.8423% | 6,389 |
| Net loans and leases to deposits | 58.0290% | 6,622 |
| Net loans and leases to core deposits | 68.7748% | 6,024 |
| Total domestic deposits to total assets | 87.6153% | 2,288 |
| Equity capital to assets | 7.0964% | 7,328 |
| Core capital (leverage) ratio | 7.0793% | 7,195 |
| Tier 1 risk-based capital ratio | 12.1378% | 5,046 |
| Total risk-based capital ratio | 13.1386% | 5,261 |
| Memoranda: | ||
| Average total assets | $220,010,500 | 2,987 |
| Average earning assets | $204,989,000 | 2,927 |
| Average equity | $14,815,500 | 4,054 |
| Average total loans | $109,395,500 | 3,695 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5973% | 3,625 |
| Cost of funding earning assets | 1.7397% | 4,310 |
| Net interest margin | 3.8576% | 3,447 |
| Noninterest income to average assets | 1.6647% | 521 |
| Noninterest expense to average assets | 3.7965% | 1,702 |
| Loan and lease loss provision to assets | 0.4104% | 4,348 |
| Net operating income to assets | 1.0441% | 1,692 |
| Return on assets (ROA) | 1.0556% | 1,685 |
| Pretax return on assets | 1.0556% | 2,390 |
| Return on Equity (ROE) | 16.5573% | 499 |
| Retained earnings to average equity (ytd only) | 2.3586% | 3,468 |
| Net charge-offs to loans | 0.8540% | 2,691 |
| Credit loss provision to net charge-offs | 94.7735% | 5,824 |
| Earnings coverage of net charge-offs (x) | 3.3589% | 3,378 |
| Efficiency ratio | 72.3015% | 4,220 |
| Assets per employee ($millions) | 2.2909% | 7,482 |
| Cash dividends to net income (ytd only)* | 85.7551% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 5,216 |
| Loan loss allowance to noncurrent loans | 359.0659% | 913 |
| Noncurrent assets plus other real estate owned to assets | 1.5678% | 4,029 |
| Noncurrent loans to loans | 0.3409% | 6,596 |
| Net loans and leases to total assets | 47.4566% | 6,853 |
| Net loans and leases to deposits | 54.0262% | 7,049 |
| Net loans and leases to core deposits | 78.6437% | 6,206 |
| Total domestic deposits to total assets | 87.8400% | 2,051 |
| Equity capital to assets | 6.3788% | 7,590 |
| Core capital (leverage) ratio | 7.0771% | 7,170 |
| Tier 1 risk-based capital ratio | 12.2648% | 4,714 |
| Total risk-based capital ratio | 13.2998% | 4,863 |
| Memoranda: | ||
| Average total assets | $198,838,600 | 3,196 |
| Average earning assets | $184,857,600 | 3,157 |
| Average equity | $12,677,200 | 4,596 |
| Average total loans | $100,817,800 | 3,921 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6986% | 3,343 |
| Cost of funding earning assets | 1.7632% | 4,571 |
| Net interest margin | 3.9354% | 3,098 |
| Noninterest income to average assets | 1.7589% | 470 |
| Noninterest expense to average assets | 3.6829% | 1,862 |
| Loan and lease loss provision to assets | 0.3371% | 4,312 |
| Net operating income to assets | 1.4024% | 1,026 |
| Return on assets (ROA) | 1.4183% | 1,050 |
| Pretax return on assets | 1.4183% | 1,647 |
| Return on Equity (ROE) | 22.2492% | 196 |
| Retained earnings to average equity (ytd only) | 7.6187% | 1,254 |
| Net charge-offs to loans | 0.6497% | 2,735 |
| Credit loss provision to net charge-offs | 100.8264% | 5,039 |
| Earnings coverage of net charge-offs (x) | 5.2025% | 2,898 |
| Efficiency ratio | 67.9195% | 4,996 |
| Assets per employee ($millions) | 2.1442% | 7,666 |
| Cash dividends to net income (ytd only)* | 65.7577% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,495 |
| Loan loss allowance to noncurrent loans | 46.2483% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7861% | 3,676 |
| Noncurrent loans to loans | 2.8119% | 2,697 |
| Net loans and leases to total assets | 51.0605% | 6,696 |
| Net loans and leases to deposits | 59.5712% | 6,860 |
| Net loans and leases to core deposits | 77.5375% | 6,523 |
| Total domestic deposits to total assets | 85.7134% | 2,853 |
| Equity capital to assets | 7.2194% | 7,474 |
| Core capital (leverage) ratio | 8.2557% | 5,912 |
| Tier 1 risk-based capital ratio | 13.6472% | 3,748 |
| Total risk-based capital ratio | 14.8116% | 3,743 |
| Memoranda: | ||
| Average total assets | $192,993,250 | 3,281 |
| Average earning assets | $179,665,250 | 3,238 |
| Average equity | $12,302,750 | 4,716 |
| Average total loans | $99,331,000 | 4,006 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8293% | 2,904 |
| Cost of funding earning assets | 1.8492% | 4,516 |
| Net interest margin | 3.9801% | 2,785 |
| Noninterest income to average assets | 1.8039% | 448 |
| Noninterest expense to average assets | 3.7688% | 1,705 |
| Loan and lease loss provision to assets | 0.3818% | 3,630 |
| Net operating income to assets | 1.3527% | 1,120 |
| Return on assets (ROA) | 1.3748% | 1,145 |
| Pretax return on assets | 1.3748% | 1,801 |
| Return on Equity (ROE) | 22.6255% | 212 |
| Retained earnings to average equity (ytd only) | 7.0456% | 1,568 |
| Net charge-offs to loans | 0.8210% | 2,047 |
| Credit loss provision to net charge-offs | 90.5237% | 4,908 |
| Earnings coverage of net charge-offs (x) | 4.1122% | 3,212 |
| Efficiency ratio | 68.4824% | 5,074 |
| Assets per employee ($millions) | 1.8475% | 7,943 |
| Cash dividends to net income (ytd only)* | 68.8600% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 3,994 |
| Loan loss allowance to noncurrent loans | 276.6316% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 5,496 |
| Noncurrent loans to loans | 0.4872% | 6,305 |
| Net loans and leases to total assets | 52.0658% | 6,682 |
| Net loans and leases to deposits | 59.1137% | 6,957 |
| Net loans and leases to core deposits | 73.1074% | 6,836 |
| Total domestic deposits to total assets | 88.0773% | 1,726 |
| Equity capital to assets | 7.0620% | 7,570 |
| Core capital (leverage) ratio | 8.1225% | 6,120 |
| Tier 1 risk-based capital ratio | 14.4933% | 3,244 |
| Total risk-based capital ratio | 15.7144% | 3,212 |
| Memoranda: | ||
| Average total assets | $190,140,000 | 3,337 |
| Average earning assets | $176,727,670 | 3,306 |
| Average equity | $11,553,330 | 4,934 |
| Average total loans | $97,684,670 | 4,073 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8187% | 3,206 |
| Cost of funding earning assets | 1.8839% | 4,716 |
| Net interest margin | 3.9348% | 2,911 |
| Noninterest income to average assets | 1.5785% | 555 |
| Noninterest expense to average assets | 3.4620% | 2,197 |
| Loan and lease loss provision to assets | 0.3277% | 3,356 |
| Net operating income to assets | 1.4541% | 1,033 |
| Return on assets (ROA) | 1.4976% | 1,011 |
| Pretax return on assets | 1.4976% | 1,673 |
| Return on Equity (ROE) | 26.7247% | 152 |
| Retained earnings to average equity (ytd only) | 10.0680% | 1,171 |
| Net charge-offs to loans | 0.7118% | 1,763 |
| Credit loss provision to net charge-offs | 90.8046% | 3,988 |
| Earnings coverage of net charge-offs (x) | 4.9368% | 2,790 |
| Efficiency ratio | 66.0206% | 5,328 |
| Assets per employee ($millions) | 1.9329% | 7,941 |
| Cash dividends to net income (ytd only)* | 62.3269% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 3,718 |
| Loan loss allowance to noncurrent loans | 671.3568% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 5,722 |
| Noncurrent loans to loans | 0.2030% | 6,953 |
| Net loans and leases to total assets | 50.5289% | 6,812 |
| Net loans and leases to deposits | 56.8344% | 7,108 |
| Net loans and leases to core deposits | 71.8124% | 6,921 |
| Total domestic deposits to total assets | 88.9054% | 1,266 |
| Equity capital to assets | 6.1979% | 7,955 |
| Core capital (leverage) ratio | 7.7673% | 6,792 |
| Tier 1 risk-based capital ratio | 14.0459% | 3,562 |
| Total risk-based capital ratio | 15.2595% | 3,502 |
| Memoranda: | ||
| Average total assets | $192,835,500 | 3,323 |
| Average earning assets | $179,628,500 | 3,283 |
| Average equity | $10,806,500 | 5,160 |
| Average total loans | $97,774,500 | 4,093 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3628% | 3,624 |
| Cost of funding earning assets | 2.3988% | 4,721 |
| Net interest margin | 3.9640% | 3,292 |
| Noninterest income to average assets | 1.7649% | 437 |
| Noninterest expense to average assets | 3.4148% | 2,631 |
| Loan and lease loss provision to assets | 0.3432% | 3,649 |
| Net operating income to assets | 1.7131% | 664 |
| Return on assets (ROA) | 1.7471% | 591 |
| Pretax return on assets | 1.7471% | 1,057 |
| Return on Equity (ROE) | 25.7208% | 121 |
| Retained earnings to average equity (ytd only) | 11.7028% | 249 |
| Net charge-offs to loans | 0.4636% | 2,512 |
| Credit loss provision to net charge-offs | 149.7642% | 3,517 |
| Earnings coverage of net charge-offs (x) | 8.9741% | 2,783 |
| Efficiency ratio | 62.4160% | 5,872 |
| Assets per employee ($millions) | 2.1121% | 7,815 |
| Cash dividends to net income (ytd only)* | 54.5005% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 3,279 |
| Loan loss allowance to noncurrent loans | 190.4225% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6927% | 5,146 |
| Noncurrent loans to loans | 0.7280% | 5,210 |
| Net loans and leases to total assets | 49.4923% | 7,071 |
| Net loans and leases to deposits | 54.8692% | 7,389 |
| Net loans and leases to core deposits | 64.0059% | 7,443 |
| Total domestic deposits to total assets | 90.2005% | 574 |
| Equity capital to assets | 5.0191% | 8,187 |
| Core capital (leverage) ratio | 7.6788% | 6,969 |
| Tier 1 risk-based capital ratio | 13.6076% | 3,757 |
| Total risk-based capital ratio | 14.8187% | 3,683 |
| Memoranda: | ||
| Average total assets | $185,048,000 | 3,337 |
| Average earning assets | $173,005,200 | 3,285 |
| Average equity | $12,569,600 | 4,684 |
| Average total loans | $91,453,200 | 4,177 |