Home > American First National Bank > Performance and Condition Ratios
American First National 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 | 6.7702% | 270 |
| Cost of funding earning assets | 2.4879% | 373 |
| Net interest margin | 4.2823% | 834 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.0538% | 3,508 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.7186% | 708 |
| Return on assets (ROA) | 1.7186% | 676 |
| Pretax return on assets | 2.1833% | 501 |
| Return on Equity (ROE) | 14.2200% | 1,439 |
| Retained earnings to average equity (ytd only) | 10.7314% | 850 |
| Net charge-offs to loans | 0.1150% | 827 |
| Credit loss provision to net charge-offs | 43.6242% | 2,218 |
| Earnings coverage of net charge-offs (x) | 22.3541% | 1,816 |
| Efficiency ratio | 47.9654% | 4,092 |
| Assets per employee ($millions) | 10.1496% | 674 |
| Cash dividends to net income (ytd only)* | 24.5512% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,335 |
| Loan loss allowance to noncurrent loans | 117.5579% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 694 |
| Noncurrent loans to loans | 0.8477% | 904 |
| Net loans and leases to total assets | 86.9200% | 121 |
| Net loans and leases to deposits | 100.9294% | 484 |
| Net loans and leases to core deposits | 144.5013% | 236 |
| Total domestic deposits to total assets | 86.1200% | 1,971 |
| Equity capital to assets | 12.3363% | 1,026 |
| Core capital (leverage) ratio | 12.3387% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4437% | 1,706 |
| Memoranda: | ||
| Average total assets | $2,541,334,400 | 459 |
| Average earning assets | $2,457,116,400 | 427 |
| Average equity | $307,069,600 | 392 |
| Average total loans | $2,203,523,800 | 375 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6891% | 252 |
| Cost of funding earning assets | 2.3152% | 395 |
| Net interest margin | 4.3739% | 725 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.7272% | 4,084 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.0555% | 467 |
| Return on assets (ROA) | 2.0555% | 459 |
| Pretax return on assets | 2.6101% | 341 |
| Return on Equity (ROE) | 17.1000% | 1,059 |
| Retained earnings to average equity (ytd only) | 17.1035% | 385 |
| Net charge-offs to loans | 0.0701% | 980 |
| Credit loss provision to net charge-offs | 47.8677% | 1,905 |
| Earnings coverage of net charge-offs (x) | 43.6075% | 1,398 |
| Efficiency ratio | 39.5415% | 4,369 |
| Assets per employee ($millions) | 9.7802% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,033 |
| Loan loss allowance to noncurrent loans | 110.3469% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 673 |
| Noncurrent loans to loans | 0.9670% | 850 |
| Net loans and leases to total assets | 84.2900% | 259 |
| Net loans and leases to deposits | 97.9796% | 619 |
| Net loans and leases to core deposits | 138.0266% | 241 |
| Total domestic deposits to total assets | 86.0300% | 2,182 |
| Equity capital to assets | 12.4756% | 929 |
| Core capital (leverage) ratio | 12.6842% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0962% | 1,533 |
| Memoranda: | ||
| Average total assets | $2,529,630,500 | 460 |
| Average earning assets | $2,445,508,750 | 429 |
| Average equity | $304,016,500 | 394 |
| Average total loans | $2,186,337,750 | 377 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5833% | 238 |
| Cost of funding earning assets | 2.1485% | 374 |
| Net interest margin | 4.4347% | 673 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.7164% | 4,126 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 2.1268% | 389 |
| Return on assets (ROA) | 2.1268% | 382 |
| Pretax return on assets | 2.6988% | 287 |
| Return on Equity (ROE) | 17.9300% | 966 |
| Retained earnings to average equity (ytd only) | 17.9299% | 345 |
| Net charge-offs to loans | 0.1097% | 638 |
| Credit loss provision to net charge-offs | 29.9081% | 1,740 |
| Earnings coverage of net charge-offs (x) | 28.6475% | 1,574 |
| Efficiency ratio | 38.6016% | 4,427 |
| Assets per employee ($millions) | 10.0374% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,145 |
| Loan loss allowance to noncurrent loans | 118.0899% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 659 |
| Noncurrent loans to loans | 0.8966% | 852 |
| Net loans and leases to total assets | 85.1500% | 197 |
| Net loans and leases to deposits | 98.3107% | 587 |
| Net loans and leases to core deposits | 136.5562% | 249 |
| Total domestic deposits to total assets | 86.6200% | 2,047 |
| Equity capital to assets | 12.1931% | 996 |
| Core capital (leverage) ratio | 12.4861% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6436% | 1,677 |
| Memoranda: | ||
| Average total assets | $2,512,182,000 | 450 |
| Average earning assets | $2,427,155,000 | 423 |
| Average equity | $297,983,000 | 387 |
| Average total loans | $2,181,839,667 | 362 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5483% | 170 |
| Cost of funding earning assets | 1.9808% | 308 |
| Net interest margin | 4.5675% | 527 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.6810% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2333% | 352 |
| Return on assets (ROA) | 2.2333% | 348 |
| Pretax return on assets | 2.8331% | 245 |
| Return on Equity (ROE) | 19.1000% | 871 |
| Retained earnings to average equity (ytd only) | 19.1011% | 429 |
| Net charge-offs to loans | -0.0083% | 3,791 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.2388% | 4,505 |
| Assets per employee ($millions) | 10.1134% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,002 |
| Loan loss allowance to noncurrent loans | 1,402.9668% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,113 |
| Noncurrent loans to loans | 0.0791% | 3,170 |
| Net loans and leases to total assets | 86.0200% | 130 |
| Net loans and leases to deposits | 98.7905% | 494 |
| Net loans and leases to core deposits | 136.6077% | 211 |
| Total domestic deposits to total assets | 87.0800% | 2,235 |
| Equity capital to assets | 11.9586% | 1,009 |
| Core capital (leverage) ratio | 12.0557% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4215% | 1,820 |
| Memoranda: | ||
| Average total assets | $2,493,525,500 | 464 |
| Average earning assets | $2,409,974,500 | 438 |
| Average equity | $291,543,500 | 401 |
| Average total loans | $2,175,647,500 | 376 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 217 |
| Cost of funding earning assets | 0.6389% | 757 |
| Net interest margin | 4.5808% | 253 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.9771% | 3,646 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 2.1045% | 245 |
| Return on assets (ROA) | 2.1045% | 236 |
| Pretax return on assets | 2.6707% | 169 |
| Return on Equity (ROE) | 18.3000% | 658 |
| Retained earnings to average equity (ytd only) | 14.3421% | 344 |
| Net charge-offs to loans | -0.0075% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.9570% | 4,489 |
| Assets per employee ($millions) | 10.2430% | 621 |
| Cash dividends to net income (ytd only)* | 21.6441% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 2,773 |
| Loan loss allowance to noncurrent loans | 2,618.2013% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,426 |
| Noncurrent loans to loans | 0.0429% | 3,456 |
| Net loans and leases to total assets | 86.5300% | 126 |
| Net loans and leases to deposits | 98.6611% | 493 |
| Net loans and leases to core deposits | 135.2626% | 181 |
| Total domestic deposits to total assets | 87.7100% | 2,175 |
| Equity capital to assets | 11.4245% | 1,107 |
| Core capital (leverage) ratio | 11.8856% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8280% | 2,043 |
| Memoranda: | ||
| Average total assets | $2,352,582,000 | 479 |
| Average earning assets | $2,260,413,200 | 452 |
| Average equity | $270,490,400 | 414 |
| Average total loans | $2,100,345,400 | 366 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 259 |
| Cost of funding earning assets | 0.4304% | 1,096 |
| Net interest margin | 4.4261% | 267 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.6307% | 4,271 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 2.3187% | 186 |
| Return on assets (ROA) | 2.3187% | 182 |
| Pretax return on assets | 2.9419% | 146 |
| Return on Equity (ROE) | 20.1300% | 425 |
| Retained earnings to average equity (ytd only) | 20.1326% | 103 |
| Net charge-offs to loans | -0.0077% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 35.1867% | 4,653 |
| Assets per employee ($millions) | 9.9716% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 2,958 |
| Loan loss allowance to noncurrent loans | 2,466.8724% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 3,492 |
| Noncurrent loans to loans | 0.0451% | 3,567 |
| Net loans and leases to total assets | 90.5800% | 19 |
| Net loans and leases to deposits | 103.4199% | 251 |
| Net loans and leases to core deposits | 137.2960% | 113 |
| Total domestic deposits to total assets | 87.5800% | 2,565 |
| Equity capital to assets | 12.1006% | 865 |
| Core capital (leverage) ratio | 12.4154% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7712% | 2,142 |
| Memoranda: | ||
| Average total assets | $2,318,467,250 | 484 |
| Average earning assets | $2,225,063,250 | 458 |
| Average equity | $267,023,000 | 423 |
| Average total loans | $2,080,861,000 | 366 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 331 |
| Cost of funding earning assets | 0.3322% | 1,421 |
| Net interest margin | 4.2395% | 307 |
| Noninterest income to average assets | 0.5289% | 2,045 |
| Noninterest expense to average assets | 1.6287% | 4,266 |
| Loan and lease loss provision to assets | 0.0474% | 1,716 |
| Net operating income to assets | 2.2965% | 140 |
| Return on assets (ROA) | 2.2965% | 136 |
| Pretax return on assets | 2.9145% | 110 |
| Return on Equity (ROE) | 20.2896% | 289 |
| Retained earnings to average equity (ytd only) | 20.2896% | 70 |
| Net charge-offs to loans | -0.0073% | 3,465 |
| Credit loss provision to net charge-offs | -729.3333% | 3,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4788% | 4,683 |
| Assets per employee ($millions) | 9.8332% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,101 |
| Loan loss allowance to noncurrent loans | 1,896.5154% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,454 |
| Noncurrent loans to loans | 0.0588% | 3,510 |
| Net loans and leases to total assets | 89.4077% | 29 |
| Net loans and leases to deposits | 101.7002% | 221 |
| Net loans and leases to core deposits | 128.8690% | 127 |
| Total domestic deposits to total assets | 87.9130% | 2,608 |
| Equity capital to assets | 11.7814% | 942 |
| Core capital (leverage) ratio | 11.9287% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2788% | 2,381 |
| Memoranda: | ||
| Average total assets | $2,306,857,667 | 481 |
| Average earning assets | $2,210,142,667 | 463 |
| Average equity | $261,109,333 | 432 |
| Average total loans | $2,055,969,000 | 358 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 324 |
| Cost of funding earning assets | 0.3205% | 1,456 |
| Net interest margin | 4.1561% | 303 |
| Noninterest income to average assets | 0.1125% | 4,445 |
| Noninterest expense to average assets | 1.6299% | 4,250 |
| Loan and lease loss provision to assets | 0.0369% | 1,699 |
| Net operating income to assets | 1.9122% | 260 |
| Return on assets (ROA) | 1.9122% | 259 |
| Pretax return on assets | 2.4259% | 200 |
| Return on Equity (ROE) | 17.2497% | 397 |
| Retained earnings to average equity (ytd only) | 17.2497% | 169 |
| Net charge-offs to loans | -0.0055% | 3,365 |
| Credit loss provision to net charge-offs | -757.1429% | 3,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8249% | 4,649 |
| Assets per employee ($millions) | 9.6760% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,207 |
| Loan loss allowance to noncurrent loans | 2,180.0189% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,584 |
| Noncurrent loans to loans | 0.0518% | 3,609 |
| Net loans and leases to total assets | 87.1678% | 36 |
| Net loans and leases to deposits | 98.6685% | 208 |
| Net loans and leases to core deposits | 124.5059% | 120 |
| Total domestic deposits to total assets | 88.3441% | 2,364 |
| Equity capital to assets | 11.2143% | 1,227 |
| Core capital (leverage) ratio | 11.3760% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1744% | 2,539 |
| Memoranda: | ||
| Average total assets | $2,299,965,000 | 485 |
| Average earning assets | $2,202,638,500 | 468 |
| Average equity | $254,961,500 | 446 |
| Average total loans | $2,034,835,000 | 358 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 571 |
| Cost of funding earning assets | 0.4219% | 1,376 |
| Net interest margin | 4.1133% | 579 |
| Noninterest income to average assets | 0.1192% | 4,536 |
| Noninterest expense to average assets | 1.8413% | 4,066 |
| Loan and lease loss provision to assets | 0.0881% | 1,403 |
| Net operating income to assets | 1.6713% | 677 |
| Return on assets (ROA) | 1.6713% | 710 |
| Pretax return on assets | 2.1203% | 477 |
| Return on Equity (ROE) | 14.9918% | 951 |
| Retained earnings to average equity (ytd only) | 11.1907% | 672 |
| Net charge-offs to loans | -0.0046% | 3,534 |
| Credit loss provision to net charge-offs | -2,165.9091% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4682% | 4,523 |
| Assets per employee ($millions) | 9.7335% | 720 |
| Cash dividends to net income (ytd only)* | 25.3546% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,264 |
| Loan loss allowance to noncurrent loans | 1,649.6017% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,564 |
| Noncurrent loans to loans | 0.0680% | 3,603 |
| Net loans and leases to total assets | 87.7891% | 33 |
| Net loans and leases to deposits | 99.3855% | 207 |
| Net loans and leases to core deposits | 126.7676% | 117 |
| Total domestic deposits to total assets | 88.3319% | 1,858 |
| Equity capital to assets | 10.9552% | 1,817 |
| Core capital (leverage) ratio | 10.9965% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5864% | 2,754 |
| Memoranda: | ||
| Average total assets | $2,164,065,800 | 489 |
| Average earning assets | $2,067,846,000 | 475 |
| Average equity | $241,245,200 | 463 |
| Average total loans | $1,914,783,000 | 374 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 633 |
| Cost of funding earning assets | 0.4532% | 1,331 |
| Net interest margin | 4.0820% | 676 |
| Noninterest income to average assets | 0.1174% | 4,591 |
| Noninterest expense to average assets | 1.5618% | 4,524 |
| Loan and lease loss provision to assets | 0.0792% | 1,493 |
| Net operating income to assets | 1.8720% | 587 |
| Return on assets (ROA) | 1.8720% | 607 |
| Pretax return on assets | 2.3740% | 407 |
| Return on Equity (ROE) | 16.7155% | 813 |
| Retained earnings to average equity (ytd only) | 16.7155% | 256 |
| Net charge-offs to loans | -0.0030% | 3,305 |
| Credit loss provision to net charge-offs | -2,946.5116% | 4,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9000% | 4,749 |
| Assets per employee ($millions) | 9.6361% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,264 |
| Loan loss allowance to noncurrent loans | 1,830.7374% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 3,773 |
| Noncurrent loans to loans | 0.0622% | 3,787 |
| Net loans and leases to total assets | 86.2462% | 63 |
| Net loans and leases to deposits | 97.7272% | 285 |
| Net loans and leases to core deposits | 125.0165% | 145 |
| Total domestic deposits to total assets | 88.2520% | 1,688 |
| Equity capital to assets | 11.4055% | 1,732 |
| Core capital (leverage) ratio | 11.5880% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2447% | 2,633 |
| Memoranda: | ||
| Average total assets | $2,133,239,500 | 495 |
| Average earning assets | $2,036,884,000 | 485 |
| Average equity | $238,910,250 | 468 |
| Average total loans | $1,885,768,000 | 384 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 689 |
| Cost of funding earning assets | 0.5028% | 1,183 |
| Net interest margin | 4.0353% | 773 |
| Noninterest income to average assets | 0.1163% | 4,621 |
| Noninterest expense to average assets | 1.5609% | 4,562 |
| Loan and lease loss provision to assets | 0.0582% | 1,868 |
| Net operating income to assets | 1.8528% | 647 |
| Return on assets (ROA) | 1.8528% | 675 |
| Pretax return on assets | 2.3496% | 444 |
| Return on Equity (ROE) | 16.6518% | 834 |
| Retained earnings to average equity (ytd only) | 16.6518% | 292 |
| Net charge-offs to loans | -0.0027% | 3,261 |
| Credit loss provision to net charge-offs | -2,448.0000% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3307% | 4,767 |
| Assets per employee ($millions) | 9.2245% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 3,296 |
| Loan loss allowance to noncurrent loans | 2,071.9536% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 3,933 |
| Noncurrent loans to loans | 0.0545% | 3,901 |
| Net loans and leases to total assets | 87.6558% | 48 |
| Net loans and leases to deposits | 99.2640% | 278 |
| Net loans and leases to core deposits | 126.5919% | 156 |
| Total domestic deposits to total assets | 88.3058% | 1,665 |
| Equity capital to assets | 11.3791% | 1,713 |
| Core capital (leverage) ratio | 11.3918% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0994% | 2,681 |
| Memoranda: | ||
| Average total assets | $2,102,341,000 | 500 |
| Average earning assets | $2,007,065,667 | 488 |
| Average equity | $233,921,000 | 472 |
| Average total loans | $1,867,063,667 | 389 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 770 |
| Cost of funding earning assets | 0.5518% | 1,087 |
| Net interest margin | 3.9531% | 907 |
| Noninterest income to average assets | 0.1144% | 4,615 |
| Noninterest expense to average assets | 1.5564% | 4,595 |
| Loan and lease loss provision to assets | 0.0720% | 1,728 |
| Net operating income to assets | 1.7836% | 811 |
| Return on assets (ROA) | 1.7836% | 862 |
| Pretax return on assets | 2.2614% | 625 |
| Return on Equity (ROE) | 16.2186% | 974 |
| Retained earnings to average equity (ytd only) | 16.2186% | 491 |
| Net charge-offs to loans | -0.0099% | 3,663 |
| Credit loss provision to net charge-offs | -815.2174% | 3,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0128% | 4,741 |
| Assets per employee ($millions) | 9.0173% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 3,284 |
| Loan loss allowance to noncurrent loans | 1,982.0561% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 4,015 |
| Noncurrent loans to loans | 0.0571% | 3,999 |
| Net loans and leases to total assets | 88.1376% | 45 |
| Net loans and leases to deposits | 99.7475% | 293 |
| Net loans and leases to core deposits | 129.0872% | 148 |
| Total domestic deposits to total assets | 88.3607% | 1,676 |
| Equity capital to assets | 11.1163% | 1,775 |
| Core capital (leverage) ratio | 11.1933% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7560% | 2,749 |
| Memoranda: | ||
| Average total assets | $2,083,469,000 | 501 |
| Average earning assets | $1,989,814,000 | 486 |
| Average equity | $229,120,000 | 473 |
| Average total loans | $1,851,929,000 | 386 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 840 |
| Cost of funding earning assets | 1.0550% | 483 |
| Net interest margin | 3.6751% | 1,891 |
| Noninterest income to average assets | 0.1381% | 4,599 |
| Noninterest expense to average assets | 1.8844% | 4,347 |
| Loan and lease loss provision to assets | 0.2081% | 1,893 |
| Net operating income to assets | 1.2330% | 1,437 |
| Return on assets (ROA) | 1.2549% | 1,477 |
| Pretax return on assets | 1.5896% | 1,098 |
| Return on Equity (ROE) | 11.4077% | 1,495 |
| Retained earnings to average equity (ytd only) | 7.9065% | 1,080 |
| Net charge-offs to loans | 0.0474% | 2,120 |
| Credit loss provision to net charge-offs | 500.4848% | 1,247 |
| Earnings coverage of net charge-offs (x) | 42.5721% | 1,330 |
| Efficiency ratio | 51.5645% | 4,415 |
| Assets per employee ($millions) | 8.9433% | 752 |
| Cash dividends to net income (ytd only)* | 30.6920% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 3,282 |
| Loan loss allowance to noncurrent loans | 1,882.8804% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 4,073 |
| Noncurrent loans to loans | 0.0603% | 4,052 |
| Net loans and leases to total assets | 87.6160% | 51 |
| Net loans and leases to deposits | 99.2436% | 408 |
| Net loans and leases to core deposits | 129.6190% | 205 |
| Total domestic deposits to total assets | 88.2838% | 1,334 |
| Equity capital to assets | 10.8757% | 2,366 |
| Core capital (leverage) ratio | 10.7445% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6042% | 2,770 |
| Memoranda: | ||
| Average total assets | $1,984,221,200 | 481 |
| Average earning assets | $1,898,484,800 | 464 |
| Average equity | $218,264,800 | 472 |
| Average total loans | $1,742,085,000 | 388 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 913 |
| Cost of funding earning assets | 1.1722% | 410 |
| Net interest margin | 3.6058% | 2,255 |
| Noninterest income to average assets | 0.1328% | 4,629 |
| Noninterest expense to average assets | 1.6658% | 4,662 |
| Loan and lease loss provision to assets | 0.2110% | 1,905 |
| Net operating income to assets | 1.3471% | 1,240 |
| Return on assets (ROA) | 1.3765% | 1,253 |
| Pretax return on assets | 1.7434% | 882 |
| Return on Equity (ROE) | 12.4770% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.4770% | 375 |
| Net charge-offs to loans | 0.0619% | 1,716 |
| Credit loss provision to net charge-offs | 388.9862% | 1,492 |
| Earnings coverage of net charge-offs (x) | 35.3404% | 1,454 |
| Efficiency ratio | 46.4925% | 4,690 |
| Assets per employee ($millions) | 8.8614% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,146 |
| Loan loss allowance to noncurrent loans | 1,760.8541% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 4,135 |
| Noncurrent loans to loans | 0.0631% | 4,117 |
| Net loans and leases to total assets | 86.0503% | 152 |
| Net loans and leases to deposits | 97.3975% | 668 |
| Net loans and leases to core deposits | 128.5241% | 263 |
| Total domestic deposits to total assets | 88.3496% | 1,032 |
| Equity capital to assets | 11.1289% | 2,299 |
| Core capital (leverage) ratio | 11.2398% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9708% | 2,622 |
| Memoranda: | ||
| Average total assets | $1,963,801,250 | 476 |
| Average earning assets | $1,878,998,750 | 459 |
| Average equity | $216,660,500 | 468 |
| Average total loans | $1,719,894,500 | 387 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8449% | 1,066 |
| Cost of funding earning assets | 1.3405% | 298 |
| Net interest margin | 3.5043% | 2,773 |
| Noninterest income to average assets | 0.1405% | 4,598 |
| Noninterest expense to average assets | 1.6762% | 4,704 |
| Loan and lease loss provision to assets | 0.2741% | 1,565 |
| Net operating income to assets | 1.2203% | 1,581 |
| Return on assets (ROA) | 1.2651% | 1,570 |
| Pretax return on assets | 1.6025% | 1,217 |
| Return on Equity (ROE) | 11.5025% | 1,479 |
| Retained earnings to average equity (ytd only) | 11.5025% | 530 |
| Net charge-offs to loans | 0.0986% | 1,284 |
| Credit loss provision to net charge-offs | 316.5871% | 1,574 |
| Earnings coverage of net charge-offs (x) | 21.0227% | 1,671 |
| Efficiency ratio | 47.9449% | 4,635 |
| Assets per employee ($millions) | 8.4098% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,035 |
| Loan loss allowance to noncurrent loans | 289.2820% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 2,905 |
| Noncurrent loans to loans | 0.3814% | 3,046 |
| Net loans and leases to total assets | 88.2775% | 56 |
| Net loans and leases to deposits | 100.0859% | 547 |
| Net loans and leases to core deposits | 130.3925% | 251 |
| Total domestic deposits to total assets | 88.2017% | 1,083 |
| Equity capital to assets | 11.1981% | 2,184 |
| Core capital (leverage) ratio | 11.0923% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8067% | 2,686 |
| Memoranda: | ||
| Average total assets | $1,936,075,667 | 473 |
| Average earning assets | $1,853,881,667 | 457 |
| Average equity | $212,945,333 | 469 |
| Average total loans | $1,699,452,000 | 391 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 1,045 |
| Cost of funding earning assets | 1.5204% | 245 |
| Net interest margin | 3.4397% | 3,188 |
| Noninterest income to average assets | 0.1648% | 4,547 |
| Noninterest expense to average assets | 1.7313% | 4,741 |
| Loan and lease loss provision to assets | 0.2999% | 1,033 |
| Net operating income to assets | 1.1343% | 1,740 |
| Return on assets (ROA) | 1.1967% | 1,641 |
| Pretax return on assets | 1.5180% | 1,262 |
| Return on Equity (ROE) | 10.9811% | 1,415 |
| Retained earnings to average equity (ytd only) | 10.9811% | 568 |
| Net charge-offs to loans | 0.2071% | 671 |
| Credit loss provision to net charge-offs | 166.4360% | 1,532 |
| Earnings coverage of net charge-offs (x) | 9.6494% | 1,812 |
| Efficiency ratio | 49.8892% | 4,673 |
| Assets per employee ($millions) | 8.4177% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,406 |
| Loan loss allowance to noncurrent loans | 269.2962% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 3,029 |
| Noncurrent loans to loans | 0.3934% | 3,076 |
| Net loans and leases to total assets | 86.7408% | 106 |
| Net loans and leases to deposits | 98.5867% | 651 |
| Net loans and leases to core deposits | 129.4924% | 277 |
| Total domestic deposits to total assets | 87.9842% | 1,114 |
| Equity capital to assets | 10.9656% | 2,887 |
| Core capital (leverage) ratio | 10.9083% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4644% | 2,943 |
| Memoranda: | ||
| Average total assets | $1,924,371,000 | 463 |
| Average earning assets | $1,849,211,500 | 446 |
| Average equity | $209,705,000 | 473 |
| Average total loans | $1,674,636,500 | 387 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 615 |
| Cost of funding earning assets | 1.5308% | 365 |
| Net interest margin | 3.9148% | 2,119 |
| Noninterest income to average assets | 0.1791% | 4,595 |
| Noninterest expense to average assets | 2.0008% | 4,530 |
| Loan and lease loss provision to assets | 0.1798% | 1,159 |
| Net operating income to assets | 1.3698% | 1,446 |
| Return on assets (ROA) | 1.3698% | 1,524 |
| Pretax return on assets | 1.7346% | 1,096 |
| Return on Equity (ROE) | 12.2009% | 1,435 |
| Retained earnings to average equity (ytd only) | 9.1359% | 677 |
| Net charge-offs to loans | 0.0275% | 2,843 |
| Credit loss provision to net charge-offs | 773.3656% | 425 |
| Earnings coverage of net charge-offs (x) | 82.3438% | 777 |
| Efficiency ratio | 51.1042% | 4,661 |
| Assets per employee ($millions) | 8.2435% | 653 |
| Cash dividends to net income (ytd only)* | 25.1212% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,151 |
| Loan loss allowance to noncurrent loans | 244.5175% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 2,825 |
| Noncurrent loans to loans | 0.4348% | 2,887 |
| Net loans and leases to total assets | 85.4438% | 208 |
| Net loans and leases to deposits | 97.2736% | 818 |
| Net loans and leases to core deposits | 124.8861% | 368 |
| Total domestic deposits to total assets | 87.8386% | 1,201 |
| Equity capital to assets | 10.8276% | 3,156 |
| Core capital (leverage) ratio | 10.8216% | 2,662 |
| Tier 1 risk-based capital ratio | 11.6358% | 4,560 |
| Total risk-based capital ratio | 12.6323% | 4,572 |
| Memoranda: | ||
| Average total assets | $1,776,456,600 | 472 |
| Average earning assets | $1,695,362,000 | 455 |
| Average equity | $199,444,600 | 476 |
| Average total loans | $1,500,947,800 | 405 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5511% | 540 |
| Cost of funding earning assets | 1.5065% | 402 |
| Net interest margin | 4.0446% | 1,788 |
| Noninterest income to average assets | 0.1833% | 4,626 |
| Noninterest expense to average assets | 1.7745% | 4,851 |
| Loan and lease loss provision to assets | 0.1836% | 984 |
| Net operating income to assets | 1.6428% | 836 |
| Return on assets (ROA) | 1.6428% | 882 |
| Pretax return on assets | 2.0798% | 577 |
| Return on Equity (ROE) | 14.4920% | 889 |
| Retained earnings to average equity (ytd only) | 14.4920% | 179 |
| Net charge-offs to loans | 0.0419% | 2,258 |
| Credit loss provision to net charge-offs | 522.1739% | 605 |
| Earnings coverage of net charge-offs (x) | 64.3802% | 1,018 |
| Efficiency ratio | 43.9460% | 5,019 |
| Assets per employee ($millions) | 8.3134% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,184 |
| Loan loss allowance to noncurrent loans | 763.1362% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 4,052 |
| Noncurrent loans to loans | 0.1400% | 4,038 |
| Net loans and leases to total assets | 82.4117% | 516 |
| Net loans and leases to deposits | 93.7656% | 1,240 |
| Net loans and leases to core deposits | 120.2427% | 531 |
| Total domestic deposits to total assets | 87.8912% | 1,081 |
| Equity capital to assets | 11.1990% | 2,927 |
| Core capital (leverage) ratio | 11.2165% | 2,458 |
| Tier 1 risk-based capital ratio | 12.3797% | 4,205 |
| Total risk-based capital ratio | 13.3734% | 4,246 |
| Memoranda: | ||
| Average total assets | $1,744,508,750 | 487 |
| Average earning assets | $1,662,584,500 | 465 |
| Average equity | $197,759,500 | 484 |
| Average total loans | $1,465,048,500 | 416 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5619% | 506 |
| Cost of funding earning assets | 1.4337% | 477 |
| Net interest margin | 4.1282% | 1,527 |
| Noninterest income to average assets | 0.1786% | 4,676 |
| Noninterest expense to average assets | 1.8038% | 4,872 |
| Loan and lease loss provision to assets | 0.2130% | 787 |
| Net operating income to assets | 1.6531% | 804 |
| Return on assets (ROA) | 1.6531% | 839 |
| Pretax return on assets | 2.0920% | 561 |
| Return on Equity (ROE) | 14.5182% | 873 |
| Retained earnings to average equity (ytd only) | 14.5182% | 197 |
| Net charge-offs to loans | -0.0420% | 4,781 |
| Credit loss provision to net charge-offs | -602.3256% | 4,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9015% | 5,066 |
| Assets per employee ($millions) | 8.4097% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 2,990 |
| Loan loss allowance to noncurrent loans | 273.9208% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 3,124 |
| Noncurrent loans to loans | 0.4073% | 3,073 |
| Net loans and leases to total assets | 80.9242% | 741 |
| Net loans and leases to deposits | 91.6452% | 1,530 |
| Net loans and leases to core deposits | 118.0286% | 599 |
| Total domestic deposits to total assets | 88.3016% | 964 |
| Equity capital to assets | 10.9385% | 3,139 |
| Core capital (leverage) ratio | 11.0368% | 2,563 |
| Tier 1 risk-based capital ratio | 12.5191% | 4,115 |
| Total risk-based capital ratio | 13.5717% | 4,095 |
| Memoranda: | ||
| Average total assets | $1,702,507,330 | 497 |
| Average earning assets | $1,620,835,670 | 473 |
| Average equity | $193,853,330 | 486 |
| Average total loans | $1,434,009,670 | 422 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6357% | 401 |
| Cost of funding earning assets | 1.2462% | 777 |
| Net interest margin | 4.3895% | 928 |
| Noninterest income to average assets | 0.1906% | 4,611 |
| Noninterest expense to average assets | 1.8331% | 4,884 |
| Loan and lease loss provision to assets | 0.0982% | 1,781 |
| Net operating income to assets | 1.9163% | 446 |
| Return on assets (ROA) | 1.9163% | 462 |
| Pretax return on assets | 2.4232% | 281 |
| Return on Equity (ROE) | 16.4650% | 534 |
| Retained earnings to average equity (ytd only) | 16.4650% | 206 |
| Net charge-offs to loans | -0.0833% | 4,983 |
| Credit loss provision to net charge-offs | -137.8007% | 3,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0961% | 5,160 |
| Assets per employee ($millions) | 7.5948% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,283 |
| Loan loss allowance to noncurrent loans | 246.6357% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 2,978 |
| Noncurrent loans to loans | 0.4345% | 3,023 |
| Net loans and leases to total assets | 84.6636% | 312 |
| Net loans and leases to deposits | 96.6624% | 913 |
| Net loans and leases to core deposits | 122.9939% | 447 |
| Total domestic deposits to total assets | 87.5869% | 1,525 |
| Equity capital to assets | 11.5737% | 2,327 |
| Core capital (leverage) ratio | 12.0608% | 1,735 |
| Tier 1 risk-based capital ratio | 12.6821% | 4,054 |
| Total risk-based capital ratio | 13.6906% | 4,072 |
| Memoranda: | ||
| Average total assets | $1,632,901,000 | 522 |
| Average earning assets | $1,548,969,500 | 498 |
| Average equity | $190,051,500 | 486 |
| Average total loans | $1,397,408,000 | 430 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 849 |
| Cost of funding earning assets | 0.9443% | 947 |
| Net interest margin | 4.1537% | 1,521 |
| Noninterest income to average assets | 0.1748% | 4,851 |
| Noninterest expense to average assets | 2.1541% | 4,440 |
| Loan and lease loss provision to assets | 0.0652% | 2,846 |
| Net operating income to assets | 1.5108% | 1,091 |
| Return on assets (ROA) | 1.5108% | 1,076 |
| Pretax return on assets | 1.9076% | 707 |
| Return on Equity (ROE) | 13.0245% | 1,337 |
| Retained earnings to average equity (ytd only) | 10.4568% | 534 |
| Net charge-offs to loans | 0.0696% | 2,125 |
| Credit loss provision to net charge-offs | 112.0536% | 2,307 |
| Earnings coverage of net charge-offs (x) | 33.8951% | 1,480 |
| Efficiency ratio | 52.1966% | 4,777 |
| Assets per employee ($millions) | 7.0549% | 953 |
| Cash dividends to net income (ytd only)* | 19.7145% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,210 |
| Loan loss allowance to noncurrent loans | 330.5306% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 3,307 |
| Noncurrent loans to loans | 0.3274% | 3,380 |
| Net loans and leases to total assets | 84.6493% | 353 |
| Net loans and leases to deposits | 96.9574% | 981 |
| Net loans and leases to core deposits | 122.2271% | 493 |
| Total domestic deposits to total assets | 87.3056% | 1,639 |
| Equity capital to assets | 11.7078% | 2,093 |
| Core capital (leverage) ratio | 11.7534% | 1,913 |
| Tier 1 risk-based capital ratio | 12.6729% | 4,033 |
| Total risk-based capital ratio | 13.6769% | 4,055 |
| Memoranda: | ||
| Average total assets | $1,539,426,200 | 533 |
| Average earning assets | $1,464,711,800 | 514 |
| Average equity | $178,563,000 | 493 |
| Average total loans | $1,288,251,400 | 449 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 1,012 |
| Cost of funding earning assets | 0.8735% | 1,024 |
| Net interest margin | 4.0896% | 1,658 |
| Noninterest income to average assets | 0.1738% | 4,916 |
| Noninterest expense to average assets | 1.9129% | 4,885 |
| Loan and lease loss provision to assets | 0.0504% | 2,979 |
| Net operating income to assets | 1.6657% | 809 |
| Return on assets (ROA) | 1.6657% | 815 |
| Pretax return on assets | 2.1032% | 479 |
| Return on Equity (ROE) | 14.3949% | 1,011 |
| Retained earnings to average equity (ytd only) | 14.3949% | 210 |
| Net charge-offs to loans | 0.1036% | 1,451 |
| Credit loss provision to net charge-offs | 58.4600% | 2,762 |
| Earnings coverage of net charge-offs (x) | 24.9959% | 1,791 |
| Efficiency ratio | 47.0409% | 5,097 |
| Assets per employee ($millions) | 7.0394% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,285 |
| Loan loss allowance to noncurrent loans | 313.3893% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 3,387 |
| Noncurrent loans to loans | 0.3458% | 3,418 |
| Net loans and leases to total assets | 82.0943% | 698 |
| Net loans and leases to deposits | 93.7694% | 1,400 |
| Net loans and leases to core deposits | 118.2197% | 636 |
| Total domestic deposits to total assets | 87.5491% | 1,460 |
| Equity capital to assets | 11.7728% | 2,054 |
| Core capital (leverage) ratio | 11.8742% | 1,858 |
| Tier 1 risk-based capital ratio | 13.4594% | 3,648 |
| Total risk-based capital ratio | 14.4858% | 3,677 |
| Memoranda: | ||
| Average total assets | $1,527,446,250 | 531 |
| Average earning assets | $1,453,856,500 | 513 |
| Average equity | $176,743,000 | 494 |
| Average total loans | $1,270,719,500 | 450 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8574% | 1,112 |
| Cost of funding earning assets | 0.7903% | 1,174 |
| Net interest margin | 4.0671% | 1,650 |
| Noninterest income to average assets | 0.1791% | 4,929 |
| Noninterest expense to average assets | 1.9109% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6940% | 726 |
| Return on assets (ROA) | 1.6940% | 734 |
| Pretax return on assets | 2.1378% | 447 |
| Return on Equity (ROE) | 14.7291% | 911 |
| Retained earnings to average equity (ytd only) | 14.7291% | 220 |
| Net charge-offs to loans | 0.1024% | 1,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 25.0792% | 1,649 |
| Efficiency ratio | 47.1982% | 5,158 |
| Assets per employee ($millions) | 7.2806% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,320 |
| Loan loss allowance to noncurrent loans | 177.3230% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 2,767 |
| Noncurrent loans to loans | 0.6151% | 2,571 |
| Net loans and leases to total assets | 80.0651% | 1,010 |
| Net loans and leases to deposits | 90.8917% | 1,723 |
| Net loans and leases to core deposits | 114.5363% | 770 |
| Total domestic deposits to total assets | 88.0884% | 1,329 |
| Equity capital to assets | 11.3807% | 2,285 |
| Core capital (leverage) ratio | 11.7294% | 1,887 |
| Tier 1 risk-based capital ratio | 13.2179% | 3,781 |
| Total risk-based capital ratio | 14.2446% | 3,817 |
| Memoranda: | ||
| Average total assets | $1,510,987,330 | 535 |
| Average earning assets | $1,437,631,000 | 516 |
| Average equity | $173,778,670 | 496 |
| Average total loans | $1,258,070,670 | 455 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 1,083 |
| Cost of funding earning assets | 0.7067% | 1,401 |
| Net interest margin | 4.0929% | 1,456 |
| Noninterest income to average assets | 0.1769% | 4,966 |
| Noninterest expense to average assets | 1.9416% | 4,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6837% | 706 |
| Return on assets (ROA) | 1.6837% | 716 |
| Pretax return on assets | 2.1247% | 438 |
| Return on Equity (ROE) | 14.5578% | 887 |
| Retained earnings to average equity (ytd only) | 14.5578% | 357 |
| Net charge-offs to loans | 0.1972% | 745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.7528% | 1,790 |
| Efficiency ratio | 47.7482% | 5,204 |
| Assets per employee ($millions) | 6.8614% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,284 |
| Loan loss allowance to noncurrent loans | 141.3406% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 2,313 |
| Noncurrent loans to loans | 0.7896% | 2,235 |
| Net loans and leases to total assets | 84.3552% | 402 |
| Net loans and leases to deposits | 96.2462% | 1,009 |
| Net loans and leases to core deposits | 117.1315% | 687 |
| Total domestic deposits to total assets | 87.6452% | 1,825 |
| Equity capital to assets | 11.8151% | 1,906 |
| Core capital (leverage) ratio | 11.8233% | 1,763 |
| Tier 1 risk-based capital ratio | 12.9989% | 3,943 |
| Total risk-based capital ratio | 14.0487% | 3,951 |
| Memoranda: | ||
| Average total assets | $1,476,540,500 | 547 |
| Average earning assets | $1,403,102,000 | 529 |
| Average equity | $170,767,000 | 510 |
| Average total loans | $1,247,664,500 | 462 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 1,488 |
| Cost of funding earning assets | 0.6680% | 1,195 |
| Net interest margin | 3.9115% | 2,049 |
| Noninterest income to average assets | 0.1701% | 5,104 |
| Noninterest expense to average assets | 2.1227% | 4,718 |
| Loan and lease loss provision to assets | 0.0467% | 3,294 |
| Net operating income to assets | 1.0548% | 2,040 |
| Return on assets (ROA) | 1.0548% | 2,064 |
| Pretax return on assets | 1.7158% | 969 |
| Return on Equity (ROE) | 9.1877% | 2,218 |
| Retained earnings to average equity (ytd only) | 6.8617% | 1,134 |
| Net charge-offs to loans | 0.0102% | 3,727 |
| Credit loss provision to net charge-offs | 566.1017% | 571 |
| Earnings coverage of net charge-offs (x) | 213.7203% | 377 |
| Efficiency ratio | 54.6356% | 4,896 |
| Assets per employee ($millions) | 6.9381% | 995 |
| Cash dividends to net income (ytd only)* | 25.3164% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 2,923 |
| Loan loss allowance to noncurrent loans | 146.4085% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 2,299 |
| Noncurrent loans to loans | 0.8021% | 2,209 |
| Net loans and leases to total assets | 82.7171% | 596 |
| Net loans and leases to deposits | 94.0284% | 1,269 |
| Net loans and leases to core deposits | 113.9199% | 801 |
| Total domestic deposits to total assets | 87.9703% | 1,520 |
| Equity capital to assets | 11.3183% | 2,350 |
| Core capital (leverage) ratio | 11.2759% | 2,110 |
| Tier 1 risk-based capital ratio | 12.6292% | 4,128 |
| Total risk-based capital ratio | 13.7328% | 4,115 |
| Memoranda: | ||
| Average total assets | $1,430,843,600 | 539 |
| Average earning assets | $1,359,029,200 | 518 |
| Average equity | $164,273,800 | 507 |
| Average total loans | $1,161,523,200 | 471 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 1,584 |
| Cost of funding earning assets | 0.6573% | 1,195 |
| Net interest margin | 3.8638% | 2,171 |
| Noninterest income to average assets | 0.1711% | 5,162 |
| Noninterest expense to average assets | 1.9269% | 5,098 |
| Loan and lease loss provision to assets | 0.0628% | 2,813 |
| Net operating income to assets | 1.2141% | 1,632 |
| Return on assets (ROA) | 1.2141% | 1,662 |
| Pretax return on assets | 1.8508% | 780 |
| Return on Equity (ROE) | 10.5355% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.5355% | 482 |
| Net charge-offs to loans | 0.0209% | 3,066 |
| Credit loss provision to net charge-offs | 373.1844% | 822 |
| Earnings coverage of net charge-offs (x) | 113.6484% | 644 |
| Efficiency ratio | 50.1727% | 5,238 |
| Assets per employee ($millions) | 6.8636% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,855 |
| Loan loss allowance to noncurrent loans | 132.7821% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 2,275 |
| Noncurrent loans to loans | 0.9133% | 2,101 |
| Net loans and leases to total assets | 80.2298% | 952 |
| Net loans and leases to deposits | 91.2148% | 1,662 |
| Net loans and leases to core deposits | 109.9952% | 1,035 |
| Total domestic deposits to total assets | 87.9570% | 1,385 |
| Equity capital to assets | 11.5247% | 2,338 |
| Core capital (leverage) ratio | 11.6224% | 1,932 |
| Tier 1 risk-based capital ratio | 13.0305% | 3,985 |
| Total risk-based capital ratio | 14.1536% | 3,981 |
| Memoranda: | ||
| Average total assets | $1,417,367,250 | 542 |
| Average earning assets | $1,346,050,500 | 526 |
| Average equity | $163,330,000 | 513 |
| Average total loans | $1,141,220,250 | 479 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,594 |
| Cost of funding earning assets | 0.6481% | 1,153 |
| Net interest margin | 3.8252% | 2,192 |
| Noninterest income to average assets | 0.1763% | 5,171 |
| Noninterest expense to average assets | 1.9523% | 5,076 |
| Loan and lease loss provision to assets | 0.0800% | 2,386 |
| Net operating income to assets | 1.1634% | 1,720 |
| Return on assets (ROA) | 1.1634% | 1,763 |
| Pretax return on assets | 1.7722% | 895 |
| Return on Equity (ROE) | 10.0966% | 1,996 |
| Retained earnings to average equity (ytd only) | 10.0966% | 564 |
| Net charge-offs to loans | -0.0175% | 4,726 |
| Credit loss provision to net charge-offs | -570.4082% | 4,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3162% | 5,219 |
| Assets per employee ($millions) | 6.8346% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,633 |
| Loan loss allowance to noncurrent loans | 202.5348% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 3,082 |
| Noncurrent loans to loans | 0.6216% | 2,871 |
| Net loans and leases to total assets | 79.9656% | 962 |
| Net loans and leases to deposits | 90.8495% | 1,626 |
| Net loans and leases to core deposits | 108.8079% | 1,064 |
| Total domestic deposits to total assets | 88.0199% | 1,449 |
| Equity capital to assets | 11.4581% | 2,355 |
| Core capital (leverage) ratio | 11.6388% | 1,871 |
| Tier 1 risk-based capital ratio | 12.9572% | 4,023 |
| Total risk-based capital ratio | 14.1173% | 3,997 |
| Memoranda: | ||
| Average total assets | $1,397,930,330 | 550 |
| Average earning assets | $1,325,939,670 | 534 |
| Average equity | $161,084,330 | 520 |
| Average total loans | $1,122,138,000 | 484 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 1,430 |
| Cost of funding earning assets | 0.6360% | 1,153 |
| Net interest margin | 3.8426% | 1,977 |
| Noninterest income to average assets | 0.1776% | 5,211 |
| Noninterest expense to average assets | 1.9758% | 5,104 |
| Loan and lease loss provision to assets | 0.0666% | 2,471 |
| Net operating income to assets | 1.1650% | 1,614 |
| Return on assets (ROA) | 1.1650% | 1,654 |
| Pretax return on assets | 1.7732% | 853 |
| Return on Equity (ROE) | 10.0800% | 1,934 |
| Retained earnings to average equity (ytd only) | 10.0800% | 791 |
| Net charge-offs to loans | -0.0095% | 4,397 |
| Credit loss provision to net charge-offs | -880.7692% | 4,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7830% | 5,276 |
| Assets per employee ($millions) | 6.3929% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,636 |
| Loan loss allowance to noncurrent loans | 239.4107% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 3,331 |
| Noncurrent loans to loans | 0.5346% | 3,206 |
| Net loans and leases to total assets | 79.5023% | 900 |
| Net loans and leases to deposits | 90.4866% | 1,482 |
| Net loans and leases to core deposits | 106.9908% | 1,035 |
| Total domestic deposits to total assets | 87.8609% | 1,792 |
| Equity capital to assets | 11.6072% | 2,108 |
| Core capital (leverage) ratio | 11.8099% | 1,746 |
| Tier 1 risk-based capital ratio | 13.1741% | 3,974 |
| Total risk-based capital ratio | 14.3491% | 3,927 |
| Memoranda: | ||
| Average total assets | $1,375,846,500 | 562 |
| Average earning assets | $1,302,553,000 | 551 |
| Average equity | $159,008,000 | 525 |
| Average total loans | $1,099,264,500 | 490 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 1,017 |
| Cost of funding earning assets | 0.6211% | 1,199 |
| Net interest margin | 4.1036% | 1,373 |
| Noninterest income to average assets | 0.2958% | 4,626 |
| Noninterest expense to average assets | 2.3641% | 4,386 |
| Loan and lease loss provision to assets | 0.2894% | 661 |
| Net operating income to assets | 0.9972% | 2,362 |
| Return on assets (ROA) | 0.9972% | 2,469 |
| Pretax return on assets | 1.5141% | 1,543 |
| Return on Equity (ROE) | 8.0132% | 2,923 |
| Retained earnings to average equity (ytd only) | 6.0530% | 1,679 |
| Net charge-offs to loans | 0.3043% | 902 |
| Credit loss provision to net charge-offs | 117.5689% | 2,255 |
| Earnings coverage of net charge-offs (x) | 7.3264% | 3,032 |
| Efficiency ratio | 56.7260% | 4,987 |
| Assets per employee ($millions) | 6.2877% | 1,273 |
| Cash dividends to net income (ytd only)* | 24.4619% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 2,553 |
| Loan loss allowance to noncurrent loans | 135.1911% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 2,190 |
| Noncurrent loans to loans | 0.9608% | 2,162 |
| Net loans and leases to total assets | 78.2215% | 1,169 |
| Net loans and leases to deposits | 89.3902% | 1,751 |
| Net loans and leases to core deposits | 105.8281% | 1,140 |
| Total domestic deposits to total assets | 87.5057% | 1,878 |
| Equity capital to assets | 11.5062% | 2,167 |
| Core capital (leverage) ratio | 11.7105% | 1,784 |
| Tier 1 risk-based capital ratio | 13.4026% | 3,832 |
| Total risk-based capital ratio | 14.6050% | 3,766 |
| Memoranda: | ||
| Average total assets | $1,253,225,400 | 590 |
| Average earning assets | $1,182,452,400 | 573 |
| Average equity | $155,955,400 | 510 |
| Average total loans | $1,013,918,800 | 506 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 844 |
| Cost of funding earning assets | 0.6090% | 1,264 |
| Net interest margin | 4.2178% | 1,085 |
| Noninterest income to average assets | 0.3210% | 4,477 |
| Noninterest expense to average assets | 2.2425% | 4,666 |
| Loan and lease loss provision to assets | 0.0816% | 2,574 |
| Net operating income to assets | 1.2968% | 1,302 |
| Return on assets (ROA) | 1.2968% | 1,402 |
| Pretax return on assets | 1.9750% | 608 |
| Return on Equity (ROE) | 10.2068% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.2068% | 539 |
| Net charge-offs to loans | 0.0953% | 1,997 |
| Credit loss provision to net charge-offs | 105.1893% | 2,282 |
| Earnings coverage of net charge-offs (x) | 26.5106% | 1,595 |
| Efficiency ratio | 52.1626% | 5,374 |
| Assets per employee ($millions) | 6.0463% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 2,606 |
| Loan loss allowance to noncurrent loans | 152.0323% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 2,543 |
| Noncurrent loans to loans | 0.8647% | 2,528 |
| Net loans and leases to total assets | 78.1880% | 1,163 |
| Net loans and leases to deposits | 89.9199% | 1,767 |
| Net loans and leases to core deposits | 105.5624% | 1,224 |
| Total domestic deposits to total assets | 86.9530% | 1,919 |
| Equity capital to assets | 12.3564% | 1,865 |
| Core capital (leverage) ratio | 12.6170% | 1,351 |
| Tier 1 risk-based capital ratio | 14.2296% | 3,441 |
| Total risk-based capital ratio | 15.4412% | 3,388 |
| Memoranda: | ||
| Average total assets | $1,225,423,000 | 602 |
| Average earning assets | $1,155,815,250 | 584 |
| Average equity | $155,695,750 | 510 |
| Average total loans | $997,066,750 | 510 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 524 |
| Cost of funding earning assets | 0.5986% | 1,322 |
| Net interest margin | 4.4636% | 663 |
| Noninterest income to average assets | 0.3968% | 3,892 |
| Noninterest expense to average assets | 2.2206% | 4,798 |
| Loan and lease loss provision to assets | 0.0861% | 2,420 |
| Net operating income to assets | 1.5058% | 882 |
| Return on assets (ROA) | 1.5058% | 926 |
| Pretax return on assets | 2.2962% | 308 |
| Return on Equity (ROE) | 11.7350% | 1,403 |
| Retained earnings to average equity (ytd only) | 11.7350% | 364 |
| Net charge-offs to loans | 0.0992% | 1,843 |
| Credit loss provision to net charge-offs | 105.7260% | 2,023 |
| Earnings coverage of net charge-offs (x) | 29.2454% | 1,405 |
| Efficiency ratio | 48.2429% | 5,654 |
| Assets per employee ($millions) | 5.8066% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 2,522 |
| Loan loss allowance to noncurrent loans | 308.0829% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 3,583 |
| Noncurrent loans to loans | 0.4387% | 3,795 |
| Net loans and leases to total assets | 80.2315% | 860 |
| Net loans and leases to deposits | 92.8393% | 1,414 |
| Net loans and leases to core deposits | 108.5535% | 1,008 |
| Total domestic deposits to total assets | 86.4198% | 2,210 |
| Equity capital to assets | 12.8338% | 1,594 |
| Core capital (leverage) ratio | 12.8574% | 1,211 |
| Tier 1 risk-based capital ratio | 14.7595% | 3,175 |
| Total risk-based capital ratio | 16.0099% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,200,577,330 | 611 |
| Average earning assets | $1,131,329,670 | 591 |
| Average equity | $154,051,670 | 514 |
| Average total loans | $986,104,670 | 515 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 176 |
| Cost of funding earning assets | 0.5867% | 1,433 |
| Net interest margin | 5.1487% | 190 |
| Noninterest income to average assets | 0.6324% | 2,355 |
| Noninterest expense to average assets | 2.2329% | 4,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1185% | 270 |
| Return on assets (ROA) | 2.1185% | 281 |
| Pretax return on assets | 3.2412% | 112 |
| Return on Equity (ROE) | 16.5118% | 488 |
| Retained earnings to average equity (ytd only) | 16.5118% | 172 |
| Net charge-offs to loans | 0.1153% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 34.0603% | 1,106 |
| Efficiency ratio | 40.7903% | 5,950 |
| Assets per employee ($millions) | 5.8173% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 2,689 |
| Loan loss allowance to noncurrent loans | 421.0510% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,938 |
| Noncurrent loans to loans | 0.3192% | 4,287 |
| Net loans and leases to total assets | 80.5907% | 731 |
| Net loans and leases to deposits | 93.2493% | 1,208 |
| Net loans and leases to core deposits | 107.7895% | 980 |
| Total domestic deposits to total assets | 86.4249% | 2,478 |
| Equity capital to assets | 12.8929% | 1,464 |
| Core capital (leverage) ratio | 13.1130% | 1,119 |
| Tier 1 risk-based capital ratio | 14.7088% | 3,282 |
| Total risk-based capital ratio | 15.9591% | 3,226 |
| Memoranda: | ||
| Average total assets | $1,185,364,500 | 618 |
| Average earning assets | $1,114,692,500 | 600 |
| Average equity | $152,085,500 | 518 |
| Average total loans | $978,565,500 | 520 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 632 |
| Cost of funding earning assets | 0.5579% | 1,694 |
| Net interest margin | 4.4407% | 727 |
| Noninterest income to average assets | 0.2161% | 5,296 |
| Noninterest expense to average assets | 2.4652% | 4,337 |
| Loan and lease loss provision to assets | 0.0727% | 2,815 |
| Net operating income to assets | 1.2147% | 1,501 |
| Return on assets (ROA) | 1.2147% | 1,567 |
| Pretax return on assets | 1.8464% | 733 |
| Return on Equity (ROE) | 9.3480% | 2,293 |
| Retained earnings to average equity (ytd only) | 6.7228% | 1,423 |
| Net charge-offs to loans | 0.0073% | 4,188 |
| Credit loss provision to net charge-offs | 1,162.8571% | 291 |
| Earnings coverage of net charge-offs (x) | 307.0857% | 232 |
| Efficiency ratio | 56.2280% | 5,326 |
| Assets per employee ($millions) | 5.7184% | 1,603 |
| Cash dividends to net income (ytd only)* | 28.0832% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 2,490 |
| Loan loss allowance to noncurrent loans | 479.6803% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 2,907 |
| Noncurrent loans to loans | 0.2892% | 4,427 |
| Net loans and leases to total assets | 82.2898% | 565 |
| Net loans and leases to deposits | 95.2558% | 1,091 |
| Net loans and leases to core deposits | 109.6695% | 871 |
| Total domestic deposits to total assets | 86.3882% | 2,438 |
| Equity capital to assets | 12.7656% | 1,480 |
| Core capital (leverage) ratio | 12.7817% | 1,232 |
| Tier 1 risk-based capital ratio | 13.9454% | 3,737 |
| Total risk-based capital ratio | 15.1958% | 3,676 |
| Memoranda: | ||
| Average total assets | $1,120,096,200 | 627 |
| Average earning assets | $1,051,377,600 | 616 |
| Average equity | $145,550,400 | 522 |
| Average total loans | $960,551,400 | 496 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 609 |
| Cost of funding earning assets | 0.5488% | 1,814 |
| Net interest margin | 4.4597% | 715 |
| Noninterest income to average assets | 0.2105% | 5,389 |
| Noninterest expense to average assets | 2.2816% | 4,827 |
| Loan and lease loss provision to assets | 0.0979% | 2,216 |
| Net operating income to assets | 1.3274% | 1,268 |
| Return on assets (ROA) | 1.3274% | 1,327 |
| Pretax return on assets | 2.0186% | 579 |
| Return on Equity (ROE) | 10.1682% | 2,037 |
| Retained earnings to average equity (ytd only) | 10.1682% | 608 |
| Net charge-offs to loans | 0.0150% | 3,653 |
| Credit loss provision to net charge-offs | 753.7037% | 457 |
| Earnings coverage of net charge-offs (x) | 162.9219% | 432 |
| Efficiency ratio | 51.8775% | 5,661 |
| Assets per employee ($millions) | 5.5706% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,760 |
| Loan loss allowance to noncurrent loans | 192.8531% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 2,079 |
| Noncurrent loans to loans | 0.7085% | 3,205 |
| Net loans and leases to total assets | 85.9581% | 233 |
| Net loans and leases to deposits | 100.3211% | 640 |
| Net loans and leases to core deposits | 115.5175% | 612 |
| Total domestic deposits to total assets | 85.6830% | 2,697 |
| Equity capital to assets | 13.2803% | 1,318 |
| Core capital (leverage) ratio | 13.3089% | 1,094 |
| Tier 1 risk-based capital ratio | 13.8793% | 3,915 |
| Total risk-based capital ratio | 15.1295% | 3,860 |
| Memoranda: | ||
| Average total assets | $1,108,483,750 | 638 |
| Average earning assets | $1,040,859,250 | 625 |
| Average equity | $144,708,750 | 524 |
| Average total loans | $957,326,500 | 496 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0162% | 577 |
| Cost of funding earning assets | 0.5429% | 1,881 |
| Net interest margin | 4.4732% | 668 |
| Noninterest income to average assets | 0.1989% | 5,490 |
| Noninterest expense to average assets | 2.2637% | 4,942 |
| Loan and lease loss provision to assets | 0.1404% | 1,551 |
| Net operating income to assets | 1.3122% | 1,285 |
| Return on assets (ROA) | 1.3122% | 1,341 |
| Pretax return on assets | 1.9958% | 596 |
| Return on Equity (ROE) | 10.1116% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.1116% | 644 |
| Net charge-offs to loans | 0.0660% | 2,434 |
| Credit loss provision to net charge-offs | 246.9649% | 1,062 |
| Earnings coverage of net charge-offs (x) | 37.5719% | 1,179 |
| Efficiency ratio | 51.4491% | 5,757 |
| Assets per employee ($millions) | 5.4996% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 2,922 |
| Loan loss allowance to noncurrent loans | 102.6798% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 2,069 |
| Noncurrent loans to loans | 1.3262% | 2,028 |
| Net loans and leases to total assets | 86.1904% | 231 |
| Net loans and leases to deposits | 100.2955% | 636 |
| Net loans and leases to core deposits | 114.8891% | 631 |
| Total domestic deposits to total assets | 85.9364% | 2,719 |
| Equity capital to assets | 13.1677% | 1,317 |
| Core capital (leverage) ratio | 13.1468% | 1,115 |
| Tier 1 risk-based capital ratio | 13.7395% | 4,073 |
| Total risk-based capital ratio | 14.9897% | 4,012 |
| Memoranda: | ||
| Average total assets | $1,101,031,330 | 646 |
| Average earning assets | $1,034,013,670 | 629 |
| Average equity | $142,885,330 | 531 |
| Average total loans | $947,930,330 | 499 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1987% | 407 |
| Cost of funding earning assets | 0.5430% | 1,905 |
| Net interest margin | 4.6557% | 448 |
| Noninterest income to average assets | 0.1934% | 5,550 |
| Noninterest expense to average assets | 2.3374% | 4,776 |
| Loan and lease loss provision to assets | 0.0551% | 2,832 |
| Net operating income to assets | 1.4243% | 989 |
| Return on assets (ROA) | 1.4243% | 1,043 |
| Pretax return on assets | 2.1717% | 407 |
| Return on Equity (ROE) | 11.0577% | 1,618 |
| Retained earnings to average equity (ytd only) | 11.0577% | 713 |
| Net charge-offs to loans | -0.0209% | 5,072 |
| Credit loss provision to net charge-offs | -308.1633% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2113% | 5,850 |
| Assets per employee ($millions) | 5.3502% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 3,034 |
| Loan loss allowance to noncurrent loans | 90.5021% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.2992% | 2,044 |
| Noncurrent loans to loans | 1.5216% | 1,852 |
| Net loans and leases to total assets | 84.2090% | 297 |
| Net loans and leases to deposits | 97.7696% | 699 |
| Net loans and leases to core deposits | 112.1198% | 647 |
| Total domestic deposits to total assets | 86.1301% | 2,870 |
| Equity capital to assets | 12.9913% | 1,410 |
| Core capital (leverage) ratio | 12.9991% | 1,156 |
| Tier 1 risk-based capital ratio | 14.0127% | 4,004 |
| Total risk-based capital ratio | 15.2631% | 3,928 |
| Memoranda: | ||
| Average total assets | $1,096,087,500 | 647 |
| Average earning assets | $1,029,019,500 | 626 |
| Average equity | $141,187,000 | 535 |
| Average total loans | $936,533,500 | 500 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 806 |
| Cost of funding earning assets | 0.5353% | 2,333 |
| Net interest margin | 4.4454% | 822 |
| Noninterest income to average assets | 0.2496% | 5,338 |
| Noninterest expense to average assets | 2.6435% | 4,074 |
| Loan and lease loss provision to assets | 0.1289% | 2,032 |
| Net operating income to assets | 1.0780% | 2,061 |
| Return on assets (ROA) | 1.0719% | 2,133 |
| Pretax return on assets | 1.6186% | 1,183 |
| Return on Equity (ROE) | 8.0507% | 3,111 |
| Retained earnings to average equity (ytd only) | 5.8079% | 2,060 |
| Net charge-offs to loans | -0.0054% | 5,470 |
| Credit loss provision to net charge-offs | -2,869.5652% | 6,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0750% | 5,215 |
| Assets per employee ($millions) | 5.2406% | 2,029 |
| Cash dividends to net income (ytd only)* | 27.8593% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 3,093 |
| Loan loss allowance to noncurrent loans | 91.3177% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.2817% | 2,204 |
| Noncurrent loans to loans | 1.4990% | 1,953 |
| Net loans and leases to total assets | 84.3321% | 321 |
| Net loans and leases to deposits | 98.0029% | 758 |
| Net loans and leases to core deposits | 113.2899% | 634 |
| Total domestic deposits to total assets | 86.0505% | 2,810 |
| Equity capital to assets | 12.7695% | 1,485 |
| Core capital (leverage) ratio | 12.8599% | 1,190 |
| Tier 1 risk-based capital ratio | 14.5235% | 3,764 |
| Total risk-based capital ratio | 15.7748% | 3,702 |
| Memoranda: | ||
| Average total assets | $1,023,729,600 | 660 |
| Average earning assets | $955,858,200 | 643 |
| Average equity | $136,298,000 | 531 |
| Average total loans | $853,052,400 | 521 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9921% | 783 |
| Cost of funding earning assets | 0.5320% | 2,447 |
| Net interest margin | 4.4601% | 802 |
| Noninterest income to average assets | 0.2644% | 5,320 |
| Noninterest expense to average assets | 2.4713% | 4,611 |
| Loan and lease loss provision to assets | 0.0827% | 2,696 |
| Net operating income to assets | 1.2339% | 1,566 |
| Return on assets (ROA) | 1.2256% | 1,653 |
| Pretax return on assets | 1.8572% | 785 |
| Return on Equity (ROE) | 9.1047% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.1047% | 955 |
| Net charge-offs to loans | -0.0101% | 5,429 |
| Credit loss provision to net charge-offs | -992.0635% | 5,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8638% | 5,671 |
| Assets per employee ($millions) | 5.2056% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 3,395 |
| Loan loss allowance to noncurrent loans | 85.0465% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3375% | 2,308 |
| Noncurrent loans to loans | 1.5882% | 2,044 |
| Net loans and leases to total assets | 83.0798% | 394 |
| Net loans and leases to deposits | 96.8927% | 804 |
| Net loans and leases to core deposits | 109.5591% | 763 |
| Total domestic deposits to total assets | 85.7442% | 2,983 |
| Equity capital to assets | 13.2341% | 1,311 |
| Core capital (leverage) ratio | 13.2522% | 1,082 |
| Tier 1 risk-based capital ratio | 15.4086% | 3,368 |
| Total risk-based capital ratio | 16.6598% | 3,302 |
| Memoranda: | ||
| Average total assets | $1,007,153,250 | 668 |
| Average earning assets | $939,274,000 | 652 |
| Average equity | $135,574,500 | 533 |
| Average total loans | $833,313,750 | 526 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 723 |
| Cost of funding earning assets | 0.5273% | 2,563 |
| Net interest margin | 4.4966% | 713 |
| Noninterest income to average assets | 0.2821% | 5,166 |
| Noninterest expense to average assets | 2.4943% | 4,590 |
| Loan and lease loss provision to assets | 0.0955% | 2,434 |
| Net operating income to assets | 1.2369% | 1,488 |
| Return on assets (ROA) | 1.2242% | 1,577 |
| Pretax return on assets | 1.8556% | 751 |
| Return on Equity (ROE) | 9.0397% | 2,574 |
| Retained earnings to average equity (ytd only) | 9.0397% | 975 |
| Net charge-offs to loans | -0.0790% | 6,070 |
| Credit loss provision to net charge-offs | -147.0405% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8686% | 5,761 |
| Assets per employee ($millions) | 5.1149% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 3,243 |
| Loan loss allowance to noncurrent loans | 111.9533% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.0482% | 2,972 |
| Noncurrent loans to loans | 1.2691% | 2,686 |
| Net loans and leases to total assets | 81.4237% | 532 |
| Net loans and leases to deposits | 95.1029% | 872 |
| Net loans and leases to core deposits | 106.6410% | 861 |
| Total domestic deposits to total assets | 85.6164% | 3,233 |
| Equity capital to assets | 13.2290% | 1,256 |
| Core capital (leverage) ratio | 13.4601% | 987 |
| Tier 1 risk-based capital ratio | 15.6895% | 3,252 |
| Total risk-based capital ratio | 16.9414% | 3,190 |
| Memoranda: | ||
| Average total assets | $988,889,330 | 679 |
| Average earning assets | $919,806,000 | 666 |
| Average equity | $133,919,670 | 542 |
| Average total loans | $812,971,000 | 539 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0445% | 666 |
| Cost of funding earning assets | 0.5235% | 2,673 |
| Net interest margin | 4.5211% | 627 |
| Noninterest income to average assets | 0.3373% | 4,676 |
| Noninterest expense to average assets | 2.5971% | 4,278 |
| Loan and lease loss provision to assets | 0.1456% | 1,674 |
| Net operating income to assets | 1.1901% | 1,511 |
| Return on assets (ROA) | 1.1641% | 1,653 |
| Pretax return on assets | 1.7582% | 864 |
| Return on Equity (ROE) | 8.4902% | 2,690 |
| Retained earnings to average equity (ytd only) | 8.4902% | 1,421 |
| Net charge-offs to loans | -0.1078% | 6,145 |
| Credit loss provision to net charge-offs | -164.7887% | 4,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2003% | 5,728 |
| Assets per employee ($millions) | 4.8612% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 3,163 |
| Loan loss allowance to noncurrent loans | 92.3743% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.3181% | 2,677 |
| Noncurrent loans to loans | 1.6183% | 2,404 |
| Net loans and leases to total assets | 80.2331% | 523 |
| Net loans and leases to deposits | 94.2094% | 770 |
| Net loans and leases to core deposits | 105.6080% | 771 |
| Total domestic deposits to total assets | 85.1647% | 3,795 |
| Equity capital to assets | 13.6336% | 1,062 |
| Core capital (leverage) ratio | 13.8760% | 857 |
| Tier 1 risk-based capital ratio | 16.3099% | 3,002 |
| Total risk-based capital ratio | 17.5626% | 2,966 |
| Memoranda: | ||
| Average total assets | $964,168,500 | 699 |
| Average earning assets | $896,336,000 | 686 |
| Average equity | $132,199,000 | 548 |
| Average total loans | $790,640,000 | 552 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4961% | 364 |
| Cost of funding earning assets | 0.5622% | 3,000 |
| Net interest margin | 4.9339% | 336 |
| Noninterest income to average assets | 0.3935% | 4,498 |
| Noninterest expense to average assets | 2.8431% | 3,561 |
| Loan and lease loss provision to assets | 0.3017% | 1,114 |
| Net operating income to assets | 1.1913% | 1,606 |
| Return on assets (ROA) | 1.1913% | 1,674 |
| Pretax return on assets | 1.7967% | 764 |
| Return on Equity (ROE) | 8.4089% | 2,821 |
| Retained earnings to average equity (ytd only) | 6.0327% | 1,949 |
| Net charge-offs to loans | 0.1506% | 3,298 |
| Credit loss provision to net charge-offs | 248.4134% | 918 |
| Earnings coverage of net charge-offs (x) | 17.2765% | 1,729 |
| Efficiency ratio | 57.5344% | 5,788 |
| Assets per employee ($millions) | 4.7084% | 2,578 |
| Cash dividends to net income (ytd only)* | 28.2585% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 3,385 |
| Loan loss allowance to noncurrent loans | 77.8142% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.5883% | 2,341 |
| Noncurrent loans to loans | 1.8734% | 2,144 |
| Net loans and leases to total assets | 81.3708% | 461 |
| Net loans and leases to deposits | 96.1122% | 723 |
| Net loans and leases to core deposits | 106.1863% | 786 |
| Total domestic deposits to total assets | 84.6623% | 3,904 |
| Equity capital to assets | 13.7917% | 969 |
| Core capital (leverage) ratio | 13.7677% | 888 |
| Tier 1 risk-based capital ratio | 15.9251% | 3,134 |
| Total risk-based capital ratio | 17.1770% | 3,087 |
| Memoranda: | ||
| Average total assets | $908,106,000 | 728 |
| Average earning assets | $837,088,800 | 715 |
| Average equity | $128,649,000 | 553 |
| Average total loans | $732,571,400 | 575 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 323 |
| Cost of funding earning assets | 0.5726% | 3,065 |
| Net interest margin | 5.0212% | 305 |
| Noninterest income to average assets | 0.4379% | 4,239 |
| Noninterest expense to average assets | 2.5821% | 4,449 |
| Loan and lease loss provision to assets | 0.3134% | 1,078 |
| Net operating income to assets | 1.4297% | 1,033 |
| Return on assets (ROA) | 1.4297% | 1,091 |
| Pretax return on assets | 2.1614% | 425 |
| Return on Equity (ROE) | 10.0221% | 2,173 |
| Retained earnings to average equity (ytd only) | 10.0221% | 785 |
| Net charge-offs to loans | 0.0900% | 3,672 |
| Credit loss provision to net charge-offs | 434.5679% | 606 |
| Earnings coverage of net charge-offs (x) | 34.3171% | 1,118 |
| Efficiency ratio | 51.0608% | 6,326 |
| Assets per employee ($millions) | 4.5966% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,364 |
| Loan loss allowance to noncurrent loans | 109.6004% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1240% | 3,405 |
| Noncurrent loans to loans | 1.3895% | 3,090 |
| Net loans and leases to total assets | 79.6612% | 588 |
| Net loans and leases to deposits | 94.9117% | 765 |
| Net loans and leases to core deposits | 103.9132% | 884 |
| Total domestic deposits to total assets | 83.9320% | 4,215 |
| Equity capital to assets | 14.3097% | 873 |
| Core capital (leverage) ratio | 14.4363% | 750 |
| Tier 1 risk-based capital ratio | 16.5778% | 2,905 |
| Total risk-based capital ratio | 17.8301% | 2,868 |
| Memoranda: | ||
| Average total assets | $898,537,250 | 735 |
| Average earning assets | $826,551,250 | 726 |
| Average equity | $128,180,750 | 559 |
| Average total loans | $720,346,750 | 582 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7248% | 266 |
| Cost of funding earning assets | 0.5894% | 3,042 |
| Net interest margin | 5.1354% | 235 |
| Noninterest income to average assets | 0.3227% | 5,130 |
| Noninterest expense to average assets | 2.5861% | 4,436 |
| Loan and lease loss provision to assets | 0.1966% | 1,933 |
| Net operating income to assets | 1.4922% | 913 |
| Return on assets (ROA) | 1.4922% | 982 |
| Pretax return on assets | 2.2585% | 376 |
| Return on Equity (ROE) | 10.4717% | 2,020 |
| Retained earnings to average equity (ytd only) | 10.4717% | 749 |
| Net charge-offs to loans | 0.1628% | 2,811 |
| Credit loss provision to net charge-offs | 151.1226% | 1,525 |
| Earnings coverage of net charge-offs (x) | 18.8705% | 1,533 |
| Efficiency ratio | 51.2993% | 6,326 |
| Assets per employee ($millions) | 4.4435% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 4,195 |
| Loan loss allowance to noncurrent loans | 48.5088% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 2.3309% | 1,849 |
| Noncurrent loans to loans | 2.8106% | 1,610 |
| Net loans and leases to total assets | 81.0211% | 437 |
| Net loans and leases to deposits | 96.7571% | 621 |
| Net loans and leases to core deposits | 106.1695% | 730 |
| Total domestic deposits to total assets | 83.7366% | 4,436 |
| Equity capital to assets | 14.4254% | 837 |
| Core capital (leverage) ratio | 14.3811% | 730 |
| Tier 1 risk-based capital ratio | 16.4534% | 2,956 |
| Total risk-based capital ratio | 17.7039% | 2,912 |
| Memoranda: | ||
| Average total assets | $890,077,670 | 744 |
| Average earning assets | $817,810,330 | 738 |
| Average equity | $126,837,670 | 570 |
| Average total loans | $711,334,000 | 585 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7423% | 255 |
| Cost of funding earning assets | 0.5994% | 3,112 |
| Net interest margin | 5.1429% | 216 |
| Noninterest income to average assets | 0.1575% | 6,320 |
| Noninterest expense to average assets | 2.6072% | 4,384 |
| Loan and lease loss provision to assets | 0.0433% | 3,877 |
| Net operating income to assets | 1.4694% | 913 |
| Return on assets (ROA) | 1.4694% | 995 |
| Pretax return on assets | 2.2272% | 392 |
| Return on Equity (ROE) | 10.3764% | 1,919 |
| Retained earnings to average equity (ytd only) | 10.3764% | 1,015 |
| Net charge-offs to loans | -0.0223% | 5,765 |
| Credit loss provision to net charge-offs | -246.1538% | 5,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4511% | 6,264 |
| Assets per employee ($millions) | 4.4906% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 4,208 |
| Loan loss allowance to noncurrent loans | 56.8416% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 1.9670% | 2,383 |
| Noncurrent loans to loans | 2.4701% | 2,089 |
| Net loans and leases to total assets | 78.5124% | 559 |
| Net loans and leases to deposits | 94.8389% | 619 |
| Net loans and leases to core deposits | 104.2917% | 705 |
| Total domestic deposits to total assets | 82.7850% | 4,922 |
| Equity capital to assets | 14.3564% | 918 |
| Core capital (leverage) ratio | 14.2985% | 715 |
| Tier 1 risk-based capital ratio | 16.7286% | 2,894 |
| Total risk-based capital ratio | 17.9795% | 2,864 |
| Memoranda: | ||
| Average total assets | $886,320,500 | 751 |
| Average earning assets | $813,472,000 | 746 |
| Average equity | $125,516,000 | 584 |
| Average total loans | $698,355,500 | 599 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8410% | 86 |
| Cost of funding earning assets | 0.7121% | 3,393 |
| Net interest margin | 6.1289% | 78 |
| Noninterest income to average assets | 0.2779% | 5,477 |
| Noninterest expense to average assets | 2.8820% | 3,711 |
| Loan and lease loss provision to assets | 0.5364% | 1,078 |
| Net operating income to assets | 1.6496% | 687 |
| Return on assets (ROA) | 1.7364% | 636 |
| Pretax return on assets | 2.6289% | 213 |
| Return on Equity (ROE) | 12.6094% | 1,331 |
| Retained earnings to average equity (ytd only) | 9.3128% | 743 |
| Net charge-offs to loans | 0.2920% | 3,190 |
| Credit loss provision to net charge-offs | 230.4519% | 1,073 |
| Earnings coverage of net charge-offs (x) | 13.0339% | 1,870 |
| Efficiency ratio | 48.7178% | 6,669 |
| Assets per employee ($millions) | 4.5538% | 2,874 |
| Cash dividends to net income (ytd only)* | 26.1439% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,129 |
| Loan loss allowance to noncurrent loans | 35.4043% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 3.1952% | 1,454 |
| Noncurrent loans to loans | 3.9806% | 1,183 |
| Net loans and leases to total assets | 76.8594% | 807 |
| Net loans and leases to deposits | 92.4029% | 882 |
| Net loans and leases to core deposits | 101.7645% | 902 |
| Total domestic deposits to total assets | 83.1785% | 4,644 |
| Equity capital to assets | 13.9673% | 1,061 |
| Core capital (leverage) ratio | 13.8202% | 849 |
| Tier 1 risk-based capital ratio | 16.4039% | 2,940 |
| Total risk-based capital ratio | 17.6548% | 2,901 |
| Memoranda: | ||
| Average total assets | $874,740,600 | 753 |
| Average earning assets | $804,649,800 | 742 |
| Average equity | $120,457,800 | 596 |
| Average total loans | $697,174,200 | 594 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1766% | 75 |
| Cost of funding earning assets | 0.7204% | 3,589 |
| Net interest margin | 6.4563% | 67 |
| Noninterest income to average assets | 0.2997% | 5,382 |
| Noninterest expense to average assets | 2.7461% | 4,191 |
| Loan and lease loss provision to assets | 0.3570% | 1,824 |
| Net operating income to assets | 2.0734% | 344 |
| Return on assets (ROA) | 2.1896% | 327 |
| Pretax return on assets | 3.3212% | 119 |
| Return on Equity (ROE) | 15.9585% | 748 |
| Retained earnings to average equity (ytd only) | 14.2546% | 284 |
| Net charge-offs to loans | 0.1728% | 3,718 |
| Credit loss provision to net charge-offs | 257.7901% | 1,067 |
| Earnings coverage of net charge-offs (x) | 25.2916% | 1,252 |
| Efficiency ratio | 43.9503% | 6,898 |
| Assets per employee ($millions) | 4.4985% | 2,915 |
| Cash dividends to net income (ytd only)* | 10.6771% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 5,192 |
| Loan loss allowance to noncurrent loans | 66.8496% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.4780% | 3,383 |
| Noncurrent loans to loans | 1.8264% | 3,036 |
| Net loans and leases to total assets | 78.2524% | 702 |
| Net loans and leases to deposits | 94.4479% | 754 |
| Net loans and leases to core deposits | 104.0750% | 861 |
| Total domestic deposits to total assets | 82.8524% | 4,703 |
| Equity capital to assets | 14.2776% | 1,048 |
| Core capital (leverage) ratio | 14.1735% | 781 |
| Tier 1 risk-based capital ratio | 16.5981% | 2,942 |
| Total risk-based capital ratio | 17.7480% | 2,970 |
| Memoranda: | ||
| Average total assets | $871,430,000 | 760 |
| Average earning assets | $802,880,250 | 748 |
| Average equity | $119,565,500 | 601 |
| Average total loans | $698,404,250 | 594 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7823% | 56 |
| Cost of funding earning assets | 0.7290% | 3,779 |
| Net interest margin | 7.0533% | 54 |
| Noninterest income to average assets | 0.3843% | 4,763 |
| Noninterest expense to average assets | 2.8576% | 3,787 |
| Loan and lease loss provision to assets | 0.3588% | 1,846 |
| Net operating income to assets | 2.3665% | 212 |
| Return on assets (ROA) | 2.5389% | 190 |
| Pretax return on assets | 3.9180% | 87 |
| Return on Equity (ROE) | 18.7624% | 434 |
| Retained earnings to average equity (ytd only) | 16.1606% | 217 |
| Net charge-offs to loans | 0.0825% | 4,319 |
| Credit loss provision to net charge-offs | 540.6250% | 565 |
| Earnings coverage of net charge-offs (x) | 60.4514% | 629 |
| Efficiency ratio | 41.6007% | 7,029 |
| Assets per employee ($millions) | 4.4164% | 3,059 |
| Cash dividends to net income (ytd only)* | 13.8670% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 5,395 |
| Loan loss allowance to noncurrent loans | 78.5527% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.5239% | 3,416 |
| Noncurrent loans to loans | 1.5172% | 3,628 |
| Net loans and leases to total assets | 80.1547% | 488 |
| Net loans and leases to deposits | 96.8946% | 576 |
| Net loans and leases to core deposits | 105.8800% | 750 |
| Total domestic deposits to total assets | 82.7236% | 4,867 |
| Equity capital to assets | 14.1310% | 1,039 |
| Core capital (leverage) ratio | 13.9608% | 813 |
| Tier 1 risk-based capital ratio | 16.1729% | 3,083 |
| Total risk-based capital ratio | 17.3017% | 3,106 |
| Memoranda: | ||
| Average total assets | $868,003,000 | 763 |
| Average earning assets | $798,041,330 | 756 |
| Average equity | $117,458,330 | 611 |
| Average total loans | $698,376,330 | 590 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6958% | 58 |
| Cost of funding earning assets | 0.7340% | 3,996 |
| Net interest margin | 6.9618% | 58 |
| Noninterest income to average assets | 0.3139% | 5,365 |
| Noninterest expense to average assets | 2.9678% | 3,398 |
| Loan and lease loss provision to assets | 0.2839% | 2,191 |
| Net operating income to assets | 2.3163% | 238 |
| Return on assets (ROA) | 2.5398% | 207 |
| Pretax return on assets | 3.7943% | 99 |
| Return on Equity (ROE) | 19.1920% | 436 |
| Retained earnings to average equity (ytd only) | 13.8785% | 580 |
| Net charge-offs to loans | 0.0385% | 4,159 |
| Credit loss provision to net charge-offs | 920.8955% | 382 |
| Earnings coverage of net charge-offs (x) | 121.4478% | 291 |
| Efficiency ratio | 44.2136% | 6,977 |
| Assets per employee ($millions) | 4.4138% | 3,170 |
| Cash dividends to net income (ytd only)* | 27.6862% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 5,893 |
| Loan loss allowance to noncurrent loans | 35.5467% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 2.8939% | 2,007 |
| Noncurrent loans to loans | 3.1050% | 2,064 |
| Net loans and leases to total assets | 78.8315% | 508 |
| Net loans and leases to deposits | 96.6652% | 499 |
| Net loans and leases to core deposits | 105.2567% | 704 |
| Total domestic deposits to total assets | 81.5511% | 5,443 |
| Equity capital to assets | 13.4363% | 1,261 |
| Core capital (leverage) ratio | 13.2760% | 1,032 |
| Tier 1 risk-based capital ratio | 15.5011% | 3,450 |
| Total risk-based capital ratio | 16.5376% | 3,518 |
| Memoranda: | ||
| Average total assets | $869,194,500 | 764 |
| Average earning assets | $798,879,000 | 753 |
| Average equity | $115,027,000 | 619 |
| Average total loans | $696,462,500 | 594 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7440% | 711 |
| Cost of funding earning assets | 0.8886% | 4,196 |
| Net interest margin | 4.8554% | 565 |
| Noninterest income to average assets | 5.2834% | 115 |
| Noninterest expense to average assets | 2.7817% | 4,414 |
| Loan and lease loss provision to assets | 0.4132% | 2,528 |
| Net operating income to assets | 4.3211% | 48 |
| Return on assets (ROA) | 4.3211% | 49 |
| Pretax return on assets | 6.5655% | 46 |
| Return on Equity (ROE) | 36.7005% | 23 |
| Retained earnings to average equity (ytd only) | 35.8820% | 8 |
| Net charge-offs to loans | 0.6688% | 2,484 |
| Credit loss provision to net charge-offs | 79.3220% | 4,487 |
| Earnings coverage of net charge-offs (x) | 13.3961% | 1,547 |
| Efficiency ratio | 28.5000% | 7,302 |
| Assets per employee ($millions) | 3.6052% | 4,760 |
| Cash dividends to net income (ytd only)* | 2.2302% | 4,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 6,147 |
| Loan loss allowance to noncurrent loans | 26.5520% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 3.5802% | 1,645 |
| Noncurrent loans to loans | 3.8210% | 1,642 |
| Net loans and leases to total assets | 79.7265% | 525 |
| Net loans and leases to deposits | 97.2023% | 613 |
| Net loans and leases to core deposits | 105.5151% | 817 |
| Total domestic deposits to total assets | 82.0212% | 5,121 |
| Equity capital to assets | 13.0310% | 1,467 |
| Core capital (leverage) ratio | 12.2111% | 1,486 |
| Tier 1 risk-based capital ratio | 15.1594% | 3,543 |
| Total risk-based capital ratio | 16.1331% | 3,682 |
| Memoranda: | ||
| Average total assets | $792,785,400 | 828 |
| Average earning assets | $731,006,800 | 814 |
| Average equity | $93,342,000 | 733 |
| Average total loans | $617,517,600 | 676 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2932% | 1,888 |
| Cost of funding earning assets | 0.9129% | 4,316 |
| Net interest margin | 4.3803% | 1,456 |
| Noninterest income to average assets | 7.2446% | 85 |
| Noninterest expense to average assets | 2.2073% | 6,260 |
| Loan and lease loss provision to assets | 0.0563% | 5,737 |
| Net operating income to assets | 5.9224% | 35 |
| Return on assets (ROA) | 5.9224% | 36 |
| Pretax return on assets | 9.0197% | 32 |
| Return on Equity (ROE) | 51.8552% | 14 |
| Retained earnings to average equity (ytd only) | 50.7026% | 8 |
| Net charge-offs to loans | 0.2640% | 3,792 |
| Credit loss provision to net charge-offs | 27.6650% | 5,447 |
| Earnings coverage of net charge-offs (x) | 44.5618% | 710 |
| Efficiency ratio | 19.5626% | 7,406 |
| Assets per employee ($millions) | 6.6727% | 868 |
| Cash dividends to net income (ytd only)* | 2.2229% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 6,280 |
| Loan loss allowance to noncurrent loans | 34.6834% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 2.5820% | 2,497 |
| Noncurrent loans to loans | 2.8774% | 2,427 |
| Net loans and leases to total assets | 72.7854% | 1,551 |
| Net loans and leases to deposits | 86.6808% | 1,592 |
| Net loans and leases to core deposits | 92.9958% | 1,884 |
| Total domestic deposits to total assets | 83.9694% | 4,244 |
| Equity capital to assets | 11.6989% | 2,498 |
| Core capital (leverage) ratio | 11.8581% | 1,785 |
| Tier 1 risk-based capital ratio | 13.7317% | 4,554 |
| Total risk-based capital ratio | 14.6126% | 4,796 |
| Memoranda: | ||
| Average total assets | $773,765,750 | 856 |
| Average earning assets | $713,457,250 | 840 |
| Average equity | $88,372,000 | 766 |
| Average total loans | $596,943,250 | 707 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6337% | 1,009 |
| Cost of funding earning assets | 1.0221% | 3,801 |
| Net interest margin | 4.6116% | 889 |
| Noninterest income to average assets | 0.2076% | 6,180 |
| Noninterest expense to average assets | 2.3495% | 5,998 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4981% | 897 |
| Return on assets (ROA) | 1.4981% | 955 |
| Pretax return on assets | 2.2122% | 402 |
| Return on Equity (ROE) | 13.2636% | 1,143 |
| Retained earnings to average equity (ytd only) | 11.3560% | 612 |
| Net charge-offs to loans | 0.1263% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 22.2210% | 1,124 |
| Efficiency ratio | 51.5054% | 6,827 |
| Assets per employee ($millions) | 5.1302% | 1,952 |
| Cash dividends to net income (ytd only)* | 14.3825% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 4,637 |
| Loan loss allowance to noncurrent loans | 61.3825% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7893% | 3,522 |
| Noncurrent loans to loans | 2.2595% | 3,154 |
| Net loans and leases to total assets | 76.3374% | 1,033 |
| Net loans and leases to deposits | 86.9628% | 1,652 |
| Net loans and leases to core deposits | 95.7028% | 1,716 |
| Total domestic deposits to total assets | 87.7816% | 2,291 |
| Equity capital to assets | 11.7468% | 2,287 |
| Core capital (leverage) ratio | 11.6155% | 1,836 |
| Tier 1 risk-based capital ratio | 14.1121% | 4,091 |
| Total risk-based capital ratio | 15.3627% | 4,058 |
| Memoranda: | ||
| Average total assets | $709,174,330 | 931 |
| Average earning assets | $669,577,330 | 904 |
| Average equity | $80,098,670 | 838 |
| Average total loans | $558,815,330 | 772 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6680% | 941 |
| Cost of funding earning assets | 1.0537% | 3,831 |
| Net interest margin | 4.6143% | 838 |
| Noninterest income to average assets | 0.1984% | 6,302 |
| Noninterest expense to average assets | 2.3298% | 6,108 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5075% | 861 |
| Return on assets (ROA) | 1.5075% | 904 |
| Pretax return on assets | 2.2221% | 385 |
| Return on Equity (ROE) | 13.6191% | 1,059 |
| Retained earnings to average equity (ytd only) | 9.7294% | 1,169 |
| Net charge-offs to loans | 0.0071% | 5,021 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 394.3000% | 69 |
| Efficiency ratio | 51.1824% | 6,908 |
| Assets per employee ($millions) | 5.0444% | 2,102 |
| Cash dividends to net income (ytd only)* | 28.5607% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 4,559 |
| Loan loss allowance to noncurrent loans | 64.0800% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.7430% | 3,651 |
| Noncurrent loans to loans | 2.2194% | 3,296 |
| Net loans and leases to total assets | 77.4176% | 812 |
| Net loans and leases to deposits | 87.8927% | 1,478 |
| Net loans and leases to core deposits | 96.2977% | 1,650 |
| Total domestic deposits to total assets | 88.0820% | 2,330 |
| Equity capital to assets | 11.2449% | 2,464 |
| Core capital (leverage) ratio | 11.1904% | 2,036 |
| Tier 1 risk-based capital ratio | 13.5448% | 4,397 |
| Total risk-based capital ratio | 14.7960% | 4,362 |
| Memoranda: | ||
| Average total assets | $709,775,000 | 942 |
| Average earning assets | $669,650,500 | 910 |
| Average equity | $78,566,000 | 850 |
| Average total loans | $564,198,500 | 774 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8446% | 1,162 |
| Cost of funding earning assets | 1.4637% | 2,873 |
| Net interest margin | 4.3808% | 1,553 |
| Noninterest income to average assets | 0.2115% | 6,292 |
| Noninterest expense to average assets | 2.4403% | 5,974 |
| Loan and lease loss provision to assets | 0.2380% | 4,910 |
| Net operating income to assets | 1.1373% | 1,586 |
| Return on assets (ROA) | 1.1665% | 1,571 |
| Pretax return on assets | 1.7158% | 911 |
| Return on Equity (ROE) | 11.4768% | 1,461 |
| Retained earnings to average equity (ytd only) | 11.4768% | 330 |
| Net charge-offs to loans | 0.2684% | 4,685 |
| Credit loss provision to net charge-offs | 110.5364% | 3,980 |
| Earnings coverage of net charge-offs (x) | 8.8742% | 1,907 |
| Efficiency ratio | 56.0833% | 6,585 |
| Assets per employee ($millions) | 5.0956% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 4,531 |
| Loan loss allowance to noncurrent loans | 65.5676% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.7127% | 3,734 |
| Noncurrent loans to loans | 2.1289% | 3,402 |
| Net loans and leases to total assets | 79.3260% | 754 |
| Net loans and leases to deposits | 89.5295% | 1,588 |
| Net loans and leases to core deposits | 96.9880% | 1,894 |
| Total domestic deposits to total assets | 88.6033% | 1,891 |
| Equity capital to assets | 10.8927% | 2,784 |
| Core capital (leverage) ratio | 10.7212% | 2,366 |
| Tier 1 risk-based capital ratio | 12.9602% | 4,624 |
| Total risk-based capital ratio | 14.2110% | 4,601 |
| Memoranda: | ||
| Average total assets | $727,235,400 | 920 |
| Average earning assets | $687,220,000 | 892 |
| Average equity | $73,914,600 | 901 |
| Average total loans | $583,394,800 | 765 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8308% | 1,309 |
| Cost of funding earning assets | 1.5535% | 2,646 |
| Net interest margin | 4.2774% | 1,925 |
| Noninterest income to average assets | 0.1936% | 6,500 |
| Noninterest expense to average assets | 2.2694% | 6,411 |
| Loan and lease loss provision to assets | 0.2501% | 4,589 |
| Net operating income to assets | 1.1721% | 1,668 |
| Return on assets (ROA) | 1.2108% | 1,647 |
| Pretax return on assets | 1.7738% | 972 |
| Return on Equity (ROE) | 12.1229% | 1,471 |
| Retained earnings to average equity (ytd only) | 12.1229% | 447 |
| Net charge-offs to loans | 0.1965% | 4,764 |
| Credit loss provision to net charge-offs | 158.7283% | 2,398 |
| Earnings coverage of net charge-offs (x) | 12.4844% | 1,679 |
| Efficiency ratio | 53.5687% | 6,825 |
| Assets per employee ($millions) | 5.1870% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 4,327 |
| Loan loss allowance to noncurrent loans | 59.6992% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.9138% | 3,591 |
| Noncurrent loans to loans | 2.3891% | 3,248 |
| Net loans and leases to total assets | 78.9633% | 888 |
| Net loans and leases to deposits | 88.8800% | 1,877 |
| Net loans and leases to core deposits | 96.2647% | 2,227 |
| Total domestic deposits to total assets | 88.8426% | 1,484 |
| Equity capital to assets | 10.5771% | 3,434 |
| Core capital (leverage) ratio | 10.4183% | 2,781 |
| Tier 1 risk-based capital ratio | 12.4564% | 5,023 |
| Total risk-based capital ratio | 13.7078% | 4,998 |
| Memoranda: | ||
| Average total assets | $731,971,250 | 924 |
| Average earning assets | $691,843,000 | 892 |
| Average equity | $73,105,250 | 908 |
| Average total loans | $586,790,000 | 771 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8367% | 1,328 |
| Cost of funding earning assets | 1.6614% | 2,326 |
| Net interest margin | 4.1753% | 2,242 |
| Noninterest income to average assets | 0.1864% | 6,572 |
| Noninterest expense to average assets | 2.2409% | 6,541 |
| Loan and lease loss provision to assets | 0.1074% | 5,840 |
| Net operating income to assets | 1.2460% | 1,434 |
| Return on assets (ROA) | 1.2983% | 1,372 |
| Pretax return on assets | 1.8583% | 803 |
| Return on Equity (ROE) | 13.2571% | 1,183 |
| Retained earnings to average equity (ytd only) | 13.2571% | 356 |
| Net charge-offs to loans | 0.2610% | 4,038 |
| Credit loss provision to net charge-offs | 51.3021% | 5,389 |
| Earnings coverage of net charge-offs (x) | 9.0352% | 2,064 |
| Efficiency ratio | 54.2343% | 6,855 |
| Assets per employee ($millions) | 5.1448% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 5,044 |
| Loan loss allowance to noncurrent loans | 89.0584% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.1478% | 4,837 |
| Noncurrent loans to loans | 1.4350% | 4,559 |
| Net loans and leases to total assets | 78.9593% | 965 |
| Net loans and leases to deposits | 88.7163% | 2,051 |
| Net loans and leases to core deposits | 95.8459% | 2,457 |
| Total domestic deposits to total assets | 89.0020% | 1,438 |
| Equity capital to assets | 10.2575% | 3,695 |
| Core capital (leverage) ratio | 10.1640% | 2,980 |
| Tier 1 risk-based capital ratio | 12.1198% | 5,200 |
| Total risk-based capital ratio | 13.3399% | 5,202 |
| Memoranda: | ||
| Average total assets | $733,900,330 | 926 |
| Average earning assets | $693,509,670 | 891 |
| Average equity | $71,870,670 | 922 |
| Average total loans | $588,481,330 | 765 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8181% | 1,408 |
| Cost of funding earning assets | 1.7810% | 1,965 |
| Net interest margin | 4.0371% | 2,711 |
| Noninterest income to average assets | 0.1826% | 6,647 |
| Noninterest expense to average assets | 2.2066% | 6,670 |
| Loan and lease loss provision to assets | 0.1528% | 5,010 |
| Net operating income to assets | 1.1163% | 1,776 |
| Return on assets (ROA) | 1.1163% | 1,859 |
| Pretax return on assets | 1.6360% | 1,185 |
| Return on Equity (ROE) | 11.6711% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.6711% | 802 |
| Net charge-offs to loans | 0.1748% | 3,875 |
| Credit loss provision to net charge-offs | 108.8803% | 3,159 |
| Earnings coverage of net charge-offs (x) | 12.7452% | 1,543 |
| Efficiency ratio | 55.2285% | 6,856 |
| Assets per employee ($millions) | 5.1867% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,791 |
| Loan loss allowance to noncurrent loans | 85.9500% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.2517% | 4,678 |
| Noncurrent loans to loans | 1.5440% | 4,431 |
| Net loans and leases to total assets | 79.9942% | 846 |
| Net loans and leases to deposits | 89.6142% | 1,963 |
| Net loans and leases to core deposits | 96.9665% | 2,465 |
| Total domestic deposits to total assets | 89.2651% | 1,388 |
| Equity capital to assets | 9.8768% | 4,024 |
| Core capital (leverage) ratio | 9.5713% | 3,677 |
| Tier 1 risk-based capital ratio | 11.5107% | 5,660 |
| Total risk-based capital ratio | 12.7608% | 5,639 |
| Memoranda: | ||
| Average total assets | $738,143,500 | 934 |
| Average earning assets | $697,132,500 | 899 |
| Average equity | $70,601,500 | 939 |
| Average total loans | $592,623,500 | 779 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2116% | 1,209 |
| Cost of funding earning assets | 2.4813% | 1,069 |
| Net interest margin | 3.7304% | 3,996 |
| Noninterest income to average assets | 0.1876% | 6,744 |
| Noninterest expense to average assets | 2.2865% | 6,787 |
| Loan and lease loss provision to assets | 0.2451% | 5,424 |
| Net operating income to assets | 0.7363% | 2,785 |
| Return on assets (ROA) | 0.7377% | 2,864 |
| Pretax return on assets | 1.1786% | 2,008 |
| Return on Equity (ROE) | 7.7128% | 2,488 |
| Retained earnings to average equity (ytd only) | 7.7128% | 771 |
| Net charge-offs to loans | 0.0553% | 6,550 |
| Credit loss provision to net charge-offs | 531.3665% | 568 |
| Earnings coverage of net charge-offs (x) | 30.8199% | 748 |
| Efficiency ratio | 61.6627% | 6,209 |
| Assets per employee ($millions) | 5.5158% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,723 |
| Loan loss allowance to noncurrent loans | 88.3006% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.1759% | 4,749 |
| Noncurrent loans to loans | 1.4786% | 4,451 |
| Net loans and leases to total assets | 78.4881% | 1,287 |
| Net loans and leases to deposits | 90.0716% | 2,204 |
| Net loans and leases to core deposits | 151.2259% | 485 |
| Total domestic deposits to total assets | 87.1397% | 2,419 |
| Equity capital to assets | 9.2627% | 4,751 |
| Core capital (leverage) ratio | 9.1666% | 4,168 |
| Tier 1 risk-based capital ratio | 10.9292% | 5,984 |
| Total risk-based capital ratio | 12.1666% | 5,969 |
| Memoranda: | ||
| Average total assets | $698,109,200 | 985 |
| Average earning assets | $658,811,400 | 942 |
| Average equity | $66,772,200 | 989 |
| Average total loans | $582,396,000 | 821 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3563% | 1,016 |
| Cost of funding earning assets | 2.6315% | 950 |
| Net interest margin | 3.7249% | 3,972 |
| Noninterest income to average assets | 0.1977% | 6,804 |
| Noninterest expense to average assets | 2.1055% | 7,181 |
| Loan and lease loss provision to assets | 0.2199% | 5,214 |
| Net operating income to assets | 0.8824% | 2,487 |
| Return on assets (ROA) | 0.8841% | 2,555 |
| Pretax return on assets | 1.3882% | 1,729 |
| Return on Equity (ROE) | 9.1645% | 2,202 |
| Retained earnings to average equity (ytd only) | 9.1645% | 800 |
| Net charge-offs to loans | 0.0691% | 5,997 |
| Credit loss provision to net charge-offs | 376.6667% | 1,071 |
| Earnings coverage of net charge-offs (x) | 27.4967% | 990 |
| Efficiency ratio | 56.7390% | 6,899 |
| Assets per employee ($millions) | 5.5663% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 5,019 |
| Loan loss allowance to noncurrent loans | 5,738.0952% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 7,548 |
| Noncurrent loans to loans | 0.0212% | 7,471 |
| Net loans and leases to total assets | 79.8748% | 1,196 |
| Net loans and leases to deposits | 91.9093% | 2,248 |
| Net loans and leases to core deposits | 153.7623% | 498 |
| Total domestic deposits to total assets | 86.9061% | 2,227 |
| Equity capital to assets | 9.4140% | 4,868 |
| Core capital (leverage) ratio | 9.1520% | 4,414 |
| Tier 1 risk-based capital ratio | 10.7841% | 6,179 |
| Total risk-based capital ratio | 11.9276% | 6,249 |
| Memoranda: | ||
| Average total assets | $685,098,500 | 1,013 |
| Average earning assets | $646,162,500 | 977 |
| Average equity | $66,094,250 | 1,014 |
| Average total loans | $578,852,750 | 840 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4251% | 955 |
| Cost of funding earning assets | 2.7314% | 958 |
| Net interest margin | 3.6937% | 3,974 |
| Noninterest income to average assets | 0.2031% | 6,838 |
| Noninterest expense to average assets | 2.0989% | 7,276 |
| Loan and lease loss provision to assets | 0.1672% | 5,396 |
| Net operating income to assets | 0.9197% | 2,378 |
| Return on assets (ROA) | 0.9226% | 2,465 |
| Pretax return on assets | 1.4198% | 1,669 |
| Return on Equity (ROE) | 9.4791% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.4791% | 822 |
| Net charge-offs to loans | 0.0617% | 5,630 |
| Credit loss provision to net charge-offs | 315.8192% | 1,473 |
| Earnings coverage of net charge-offs (x) | 29.8870% | 1,004 |
| Efficiency ratio | 57.0128% | 6,986 |
| Assets per employee ($millions) | 5.6478% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 5,166 |
| Loan loss allowance to noncurrent loans | 750.2212% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 7,249 |
| Noncurrent loans to loans | 0.1553% | 7,132 |
| Net loans and leases to total assets | 79.5956% | 1,377 |
| Net loans and leases to deposits | 91.7845% | 2,504 |
| Net loans and leases to core deposits | 149.3403% | 673 |
| Total domestic deposits to total assets | 86.7201% | 2,394 |
| Equity capital to assets | 9.2492% | 4,940 |
| Core capital (leverage) ratio | 9.5159% | 3,861 |
| Tier 1 risk-based capital ratio | 10.7692% | 6,120 |
| Total risk-based capital ratio | 11.8637% | 6,207 |
| Memoranda: | ||
| Average total assets | $668,549,330 | 1,055 |
| Average earning assets | $629,563,670 | 1,025 |
| Average equity | $65,069,330 | 1,041 |
| Average total loans | $573,768,000 | 869 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5770% | 746 |
| Cost of funding earning assets | 2.6755% | 1,331 |
| Net interest margin | 3.9015% | 3,030 |
| Noninterest income to average assets | 0.1790% | 7,021 |
| Noninterest expense to average assets | 2.1704% | 6,943 |
| Loan and lease loss provision to assets | 0.1179% | 5,461 |
| Net operating income to assets | 0.9994% | 2,312 |
| Return on assets (ROA) | 1.0054% | 2,428 |
| Pretax return on assets | 1.5679% | 1,486 |
| Return on Equity (ROE) | 10.0480% | 2,297 |
| Retained earnings to average equity (ytd only) | 10.0480% | 1,179 |
| Net charge-offs to loans | -0.0169% | 7,394 |
| Credit loss provision to net charge-offs | -787.5000% | 6,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4202% | 6,910 |
| Assets per employee ($millions) | 5.1525% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 5,111 |
| Loan loss allowance to noncurrent loans | 212.4317% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 6,077 |
| Noncurrent loans to loans | 0.5419% | 6,059 |
| Net loans and leases to total assets | 85.4256% | 508 |
| Net loans and leases to deposits | 102.3364% | 1,142 |
| Net loans and leases to core deposits | 170.5274% | 335 |
| Total domestic deposits to total assets | 83.4753% | 3,925 |
| Equity capital to assets | 9.8610% | 4,168 |
| Core capital (leverage) ratio | 10.2264% | 3,176 |
| Tier 1 risk-based capital ratio | 10.8756% | 6,015 |
| Total risk-based capital ratio | 11.9777% | 6,068 |
| Memoranda: | ||
| Average total assets | $641,367,000 | 1,115 |
| Average earning assets | $602,948,500 | 1,067 |
| Average equity | $64,172,000 | 1,063 |
| Average total loans | $569,557,000 | 874 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1916% | 760 |
| Cost of funding earning assets | 2.9994% | 1,865 |
| Net interest margin | 4.1922% | 2,339 |
| Noninterest income to average assets | 0.2410% | 6,719 |
| Noninterest expense to average assets | 2.4737% | 6,114 |
| Loan and lease loss provision to assets | 0.4037% | 3,265 |
| Net operating income to assets | 0.7661% | 3,587 |
| Return on assets (ROA) | 0.7804% | 3,364 |
| Pretax return on assets | 1.3083% | 2,284 |
| Return on Equity (ROE) | 8.5540% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.5540% | 694 |
| Net charge-offs to loans | 0.1296% | 4,938 |
| Credit loss provision to net charge-offs | 353.4056% | 1,272 |
| Earnings coverage of net charge-offs (x) | 14.7910% | 2,000 |
| Efficiency ratio | 59.4147% | 6,455 |
| Assets per employee ($millions) | 4.7543% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 5,034 |
| Loan loss allowance to noncurrent loans | 275.1075% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 6,111 |
| Noncurrent loans to loans | 0.4119% | 6,109 |
| Net loans and leases to total assets | 90.3311% | 172 |
| Net loans and leases to deposits | 116.0171% | 520 |
| Net loans and leases to core deposits | 201.2965% | 164 |
| Total domestic deposits to total assets | 77.8601% | 5,760 |
| Equity capital to assets | 10.1610% | 3,854 |
| Core capital (leverage) ratio | 10.1201% | 3,344 |
| Tier 1 risk-based capital ratio | 10.5930% | 6,112 |
| Total risk-based capital ratio | 11.6750% | 6,161 |
| Memoranda: | ||
| Average total assets | $565,473,800 | 1,192 |
| Average earning assets | $529,073,600 | 1,170 |
| Average equity | $51,590,000 | 1,307 |
| Average total loans | $498,628,600 | 963 |