Home > Central Bank of Oklahoma > Performance and Condition Ratios
Central Bank of Oklahoma, Performance and Condition Ratios
| 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 | 4.6244% | 542 |
| Cost of funding earning assets | 0.3778% | 1,870 |
| Net interest margin | 4.2466% | 503 |
| Noninterest income to average assets | 0.4836% | 2,698 |
| Noninterest expense to average assets | 1.8831% | 3,983 |
| Loan and lease loss provision to assets | 0.0201% | 2,594 |
| Net operating income to assets | 1.7274% | 780 |
| Return on assets (ROA) | 1.7276% | 814 |
| Pretax return on assets | 2.3238% | 447 |
| Return on Equity (ROE) | 9.5851% | 2,893 |
| Retained earnings to average equity (ytd only) | 0.2109% | 4,534 |
| Net charge-offs to loans | -0.0173% | 3,913 |
| Credit loss provision to net charge-offs | -142.5000% | 3,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5518% | 4,562 |
| Assets per employee ($millions) | 9.5325% | 762 |
| Cash dividends to net income (ytd only)* | 97.7995% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,334 |
| Loan loss allowance to noncurrent loans | 1,378.7293% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 3,228 |
| Noncurrent loans to loans | 0.1162% | 3,510 |
| Net loans and leases to total assets | 82.4290% | 167 |
| Net loans and leases to deposits | 108.7643% | 105 |
| Net loans and leases to core deposits | 118.1764% | 203 |
| Total domestic deposits to total assets | 75.7868% | 4,554 |
| Equity capital to assets | 18.3446% | 256 |
| Core capital (leverage) ratio | 11.3535% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1031% | 2,678 |
| Memoranda: | ||
| Average total assets | $757,585,500 | 1,226 |
| Average earning assets | $667,774,500 | 1,282 |
| Average equity | $136,542,000 | 781 |
| Average total loans | $614,970,750 | 1,000 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5264% | 697 |
| Cost of funding earning assets | 0.3894% | 1,974 |
| Net interest margin | 4.1370% | 646 |
| Noninterest income to average assets | 0.4379% | 2,915 |
| Noninterest expense to average assets | 1.8718% | 4,031 |
| Loan and lease loss provision to assets | 0.0278% | 2,425 |
| Net operating income to assets | 1.6244% | 998 |
| Return on assets (ROA) | 1.6244% | 1,053 |
| Pretax return on assets | 2.1872% | 591 |
| Return on Equity (ROE) | 9.0651% | 3,078 |
| Retained earnings to average equity (ytd only) | 0.5725% | 4,415 |
| Net charge-offs to loans | -0.0173% | 3,921 |
| Credit loss provision to net charge-offs | -200.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8012% | 4,526 |
| Assets per employee ($millions) | 9.9329% | 624 |
| Cash dividends to net income (ytd only)* | 93.6844% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 1,175 |
| Loan loss allowance to noncurrent loans | 446.6547% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 2,183 |
| Noncurrent loans to loans | 0.3689% | 2,578 |
| Net loans and leases to total assets | 77.6399% | 472 |
| Net loans and leases to deposits | 99.5042% | 270 |
| Net loans and leases to core deposits | 108.5224% | 404 |
| Total domestic deposits to total assets | 78.0268% | 4,429 |
| Equity capital to assets | 17.8684% | 277 |
| Core capital (leverage) ratio | 11.2113% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7324% | 2,462 |
| Memoranda: | ||
| Average total assets | $762,268,333 | 1,213 |
| Average earning assets | $672,316,000 | 1,271 |
| Average equity | $136,589,667 | 775 |
| Average total loans | $612,337,000 | 1,008 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 664 |
| Cost of funding earning assets | 0.4078% | 2,031 |
| Net interest margin | 4.1908% | 608 |
| Noninterest income to average assets | 0.4447% | 2,849 |
| Noninterest expense to average assets | 1.8692% | 4,056 |
| Loan and lease loss provision to assets | 0.0442% | 2,188 |
| Net operating income to assets | 1.6531% | 1,016 |
| Return on assets (ROA) | 1.6531% | 1,065 |
| Pretax return on assets | 2.2266% | 660 |
| Return on Equity (ROE) | 9.2125% | 2,959 |
| Retained earnings to average equity (ytd only) | 1.0106% | 4,213 |
| Net charge-offs to loans | -0.0240% | 4,080 |
| Credit loss provision to net charge-offs | -227.0270% | 2,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1498% | 4,517 |
| Assets per employee ($millions) | 10.2125% | 557 |
| Cash dividends to net income (ytd only)* | 89.0302% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 1,253 |
| Loan loss allowance to noncurrent loans | 582.8824% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 2,676 |
| Noncurrent loans to loans | 0.2766% | 3,107 |
| Net loans and leases to total assets | 78.9538% | 405 |
| Net loans and leases to deposits | 101.2721% | 253 |
| Net loans and leases to core deposits | 111.7749% | 364 |
| Total domestic deposits to total assets | 77.9620% | 4,436 |
| Equity capital to assets | 17.8409% | 262 |
| Core capital (leverage) ratio | 11.3469% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7899% | 2,379 |
| Memoranda: | ||
| Average total assets | $760,987,000 | 1,198 |
| Average earning assets | $670,988,000 | 1,258 |
| Average equity | $136,553,000 | 774 |
| Average total loans | $616,625,000 | 997 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 792 |
| Cost of funding earning assets | 0.6557% | 1,958 |
| Net interest margin | 4.1012% | 781 |
| Noninterest income to average assets | 0.3711% | 3,261 |
| Noninterest expense to average assets | 1.8178% | 4,441 |
| Loan and lease loss provision to assets | 0.0336% | 3,979 |
| Net operating income to assets | 1.5788% | 670 |
| Return on assets (ROA) | 1.5788% | 729 |
| Pretax return on assets | 2.1245% | 349 |
| Return on Equity (ROE) | 8.5519% | 2,575 |
| Retained earnings to average equity (ytd only) | 1.9487% | 3,851 |
| Net charge-offs to loans | 0.0072% | 3,083 |
| Credit loss provision to net charge-offs | 563.6364% | 1,157 |
| Earnings coverage of net charge-offs (x) | 362.1136% | 302 |
| Efficiency ratio | 45.7212% | 4,727 |
| Assets per employee ($millions) | 9.4505% | 635 |
| Cash dividends to net income (ytd only)* | 77.2135% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,345 |
| Loan loss allowance to noncurrent loans | 404.1288% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 2,409 |
| Noncurrent loans to loans | 0.3915% | 2,807 |
| Net loans and leases to total assets | 80.5274% | 390 |
| Net loans and leases to deposits | 103.5213% | 267 |
| Net loans and leases to core deposits | 114.9390% | 386 |
| Total domestic deposits to total assets | 77.7883% | 4,339 |
| Equity capital to assets | 18.0489% | 273 |
| Core capital (leverage) ratio | 11.3369% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7503% | 2,332 |
| Memoranda: | ||
| Average total assets | $738,296,400 | 1,121 |
| Average earning assets | $648,928,600 | 1,182 |
| Average equity | $136,296,800 | 737 |
| Average total loans | $610,962,600 | 957 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 932 |
| Cost of funding earning assets | 0.7206% | 1,904 |
| Net interest margin | 4.0446% | 1,024 |
| Noninterest income to average assets | 0.3523% | 3,346 |
| Noninterest expense to average assets | 1.8181% | 4,462 |
| Loan and lease loss provision to assets | 0.0339% | 3,914 |
| Net operating income to assets | 1.5260% | 854 |
| Return on assets (ROA) | 1.5260% | 934 |
| Pretax return on assets | 2.0532% | 467 |
| Return on Equity (ROE) | 8.2186% | 2,721 |
| Retained earnings to average equity (ytd only) | 6.2615% | 1,991 |
| Net charge-offs to loans | -0.0033% | 3,965 |
| Credit loss provision to net charge-offs | -1,246.6667% | 3,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5550% | 4,687 |
| Assets per employee ($millions) | 9.2439% | 646 |
| Cash dividends to net income (ytd only)* | 23.8124% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,238 |
| Loan loss allowance to noncurrent loans | 310.0760% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 2,138 |
| Noncurrent loans to loans | 0.4993% | 2,560 |
| Net loans and leases to total assets | 82.1053% | 422 |
| Net loans and leases to deposits | 106.8078% | 305 |
| Net loans and leases to core deposits | 118.9087% | 438 |
| Total domestic deposits to total assets | 76.8720% | 4,339 |
| Equity capital to assets | 18.5013% | 270 |
| Core capital (leverage) ratio | 11.8343% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9342% | 2,237 |
| Memoranda: | ||
| Average total assets | $733,861,250 | 1,113 |
| Average earning assets | $644,661,250 | 1,166 |
| Average equity | $136,257,000 | 731 |
| Average total loans | $609,052,000 | 961 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 1,122 |
| Cost of funding earning assets | 0.8262% | 1,697 |
| Net interest margin | 3.9925% | 1,343 |
| Noninterest income to average assets | 0.3072% | 3,620 |
| Noninterest expense to average assets | 1.8178% | 4,538 |
| Loan and lease loss provision to assets | 0.0267% | 3,916 |
| Net operating income to assets | 1.4577% | 1,005 |
| Return on assets (ROA) | 1.4577% | 1,091 |
| Pretax return on assets | 1.9608% | 593 |
| Return on Equity (ROE) | 7.8411% | 2,813 |
| Retained earnings to average equity (ytd only) | 4.8766% | 2,533 |
| Net charge-offs to loans | -0.0003% | 3,715 |
| Credit loss provision to net charge-offs | -9,700.0000% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7697% | 4,644 |
| Assets per employee ($millions) | 9.3742% | 612 |
| Cash dividends to net income (ytd only)* | 37.8072% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 1,146 |
| Loan loss allowance to noncurrent loans | 259.2930% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 2,038 |
| Noncurrent loans to loans | 0.5944% | 2,375 |
| Net loans and leases to total assets | 80.4692% | 547 |
| Net loans and leases to deposits | 103.9985% | 377 |
| Net loans and leases to core deposits | 120.8219% | 402 |
| Total domestic deposits to total assets | 77.3754% | 4,269 |
| Equity capital to assets | 17.8431% | 313 |
| Core capital (leverage) ratio | 11.6489% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4801% | 2,411 |
| Memoranda: | ||
| Average total assets | $725,816,333 | 1,109 |
| Average earning assets | $635,940,333 | 1,161 |
| Average equity | $134,929,667 | 730 |
| Average total loans | $601,355,667 | 957 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 931 |
| Cost of funding earning assets | 1.0480% | 1,227 |
| Net interest margin | 3.9698% | 1,478 |
| Noninterest income to average assets | 0.3021% | 3,701 |
| Noninterest expense to average assets | 1.8808% | 4,565 |
| Loan and lease loss provision to assets | 0.0085% | 3,654 |
| Net operating income to assets | 1.3924% | 1,007 |
| Return on assets (ROA) | 1.3924% | 1,084 |
| Pretax return on assets | 1.8740% | 599 |
| Return on Equity (ROE) | 7.3295% | 2,809 |
| Retained earnings to average equity (ytd only) | 1.3511% | 3,651 |
| Net charge-offs to loans | 0.0041% | 2,430 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 552.5000% | 108 |
| Efficiency ratio | 49.9774% | 4,665 |
| Assets per employee ($millions) | 8.5963% | 612 |
| Cash dividends to net income (ytd only)* | 81.5661% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 989 |
| Loan loss allowance to noncurrent loans | 239.6453% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 1,817 |
| Noncurrent loans to loans | 0.6822% | 2,289 |
| Net loans and leases to total assets | 81.8880% | 446 |
| Net loans and leases to deposits | 108.1878% | 224 |
| Net loans and leases to core deposits | 127.8671% | 302 |
| Total domestic deposits to total assets | 75.6906% | 4,518 |
| Equity capital to assets | 19.0366% | 282 |
| Core capital (leverage) ratio | 12.0074% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2062% | 2,618 |
| Memoranda: | ||
| Average total assets | $704,382,500 | 1,112 |
| Average earning assets | $614,131,500 | 1,163 |
| Average equity | $133,816,000 | 729 |
| Average total loans | $587,915,500 | 954 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4784% | 582 |
| Cost of funding earning assets | 1.1924% | 1,038 |
| Net interest margin | 4.2860% | 1,121 |
| Noninterest income to average assets | 0.2793% | 4,011 |
| Noninterest expense to average assets | 1.9023% | 4,658 |
| Loan and lease loss provision to assets | 0.0667% | 2,682 |
| Net operating income to assets | 1.5146% | 1,016 |
| Return on assets (ROA) | 1.5146% | 1,080 |
| Pretax return on assets | 2.0316% | 561 |
| Return on Equity (ROE) | 8.0112% | 3,155 |
| Retained earnings to average equity (ytd only) | 1.9375% | 4,027 |
| Net charge-offs to loans | 0.0973% | 1,749 |
| Credit loss provision to net charge-offs | 79.4872% | 2,800 |
| Earnings coverage of net charge-offs (x) | 24.9897% | 1,751 |
| Efficiency ratio | 47.5495% | 4,852 |
| Assets per employee ($millions) | 8.4804% | 597 |
| Cash dividends to net income (ytd only)* | 75.8150% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 920 |
| Loan loss allowance to noncurrent loans | 241.8980% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 1,506 |
| Noncurrent loans to loans | 0.6726% | 2,200 |
| Net loans and leases to total assets | 82.3205% | 516 |
| Net loans and leases to deposits | 106.4778% | 282 |
| Net loans and leases to core deposits | 127.6066% | 315 |
| Total domestic deposits to total assets | 77.3124% | 4,461 |
| Equity capital to assets | 18.9586% | 301 |
| Core capital (leverage) ratio | 11.9897% | 1,788 |
| Tier 1 risk-based capital ratio | 12.1606% | 4,269 |
| Total risk-based capital ratio | 13.4138% | 4,157 |
| Memoranda: | ||
| Average total assets | $696,677,600 | 1,074 |
| Average earning assets | $604,901,200 | 1,139 |
| Average equity | $131,715,400 | 698 |
| Average total loans | $601,052,600 | 906 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5368% | 557 |
| Cost of funding earning assets | 1.2059% | 1,026 |
| Net interest margin | 4.3310% | 1,100 |
| Noninterest income to average assets | 0.2940% | 3,978 |
| Noninterest expense to average assets | 1.9391% | 4,657 |
| Loan and lease loss provision to assets | 0.0865% | 2,185 |
| Net operating income to assets | 1.5055% | 1,173 |
| Return on assets (ROA) | 1.5055% | 1,229 |
| Pretax return on assets | 2.0275% | 650 |
| Return on Equity (ROE) | 7.9683% | 3,320 |
| Retained earnings to average equity (ytd only) | 1.3670% | 4,467 |
| Net charge-offs to loans | 0.0393% | 2,302 |
| Credit loss provision to net charge-offs | 253.3708% | 1,080 |
| Earnings coverage of net charge-offs (x) | 61.8982% | 1,036 |
| Efficiency ratio | 47.8413% | 4,861 |
| Assets per employee ($millions) | 8.2458% | 631 |
| Cash dividends to net income (ytd only)* | 82.8448% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 874 |
| Loan loss allowance to noncurrent loans | 230.6821% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 1,451 |
| Noncurrent loans to loans | 0.7216% | 2,161 |
| Net loans and leases to total assets | 85.0968% | 246 |
| Net loans and leases to deposits | 113.2876% | 145 |
| Net loans and leases to core deposits | 139.4690% | 187 |
| Total domestic deposits to total assets | 75.1158% | 4,738 |
| Equity capital to assets | 19.0940% | 304 |
| Core capital (leverage) ratio | 11.7502% | 2,041 |
| Tier 1 risk-based capital ratio | 11.7275% | 4,561 |
| Total risk-based capital ratio | 12.9812% | 4,451 |
| Memoranda: | ||
| Average total assets | $694,879,000 | 1,075 |
| Average earning assets | $603,146,750 | 1,135 |
| Average equity | $131,283,250 | 699 |
| Average total loans | $604,062,000 | 910 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4994% | 567 |
| Cost of funding earning assets | 1.1670% | 1,086 |
| Net interest margin | 4.3324% | 1,078 |
| Noninterest income to average assets | 0.2889% | 4,008 |
| Noninterest expense to average assets | 1.9528% | 4,681 |
| Loan and lease loss provision to assets | 0.1058% | 1,770 |
| Net operating income to assets | 1.4815% | 1,195 |
| Return on assets (ROA) | 1.4815% | 1,247 |
| Pretax return on assets | 1.9950% | 683 |
| Return on Equity (ROE) | 7.8696% | 3,342 |
| Retained earnings to average equity (ytd only) | 0.2337% | 4,630 |
| Net charge-offs to loans | 0.0413% | 2,070 |
| Credit loss provision to net charge-offs | 294.4000% | 917 |
| Earnings coverage of net charge-offs (x) | 58.4560% | 995 |
| Efficiency ratio | 48.1736% | 4,894 |
| Assets per employee ($millions) | 7.9219% | 693 |
| Cash dividends to net income (ytd only)* | 97.0309% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 950 |
| Loan loss allowance to noncurrent loans | 425.0855% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 2,081 |
| Noncurrent loans to loans | 0.3851% | 3,149 |
| Net loans and leases to total assets | 85.7246% | 234 |
| Net loans and leases to deposits | 115.6086% | 122 |
| Net loans and leases to core deposits | 141.1896% | 186 |
| Total domestic deposits to total assets | 74.1507% | 4,825 |
| Equity capital to assets | 18.7979% | 304 |
| Core capital (leverage) ratio | 11.7047% | 2,017 |
| Tier 1 risk-based capital ratio | 11.3961% | 4,735 |
| Total risk-based capital ratio | 12.6496% | 4,631 |
| Memoranda: | ||
| Average total assets | $695,624,330 | 1,081 |
| Average earning assets | $604,464,000 | 1,131 |
| Average equity | $130,960,000 | 697 |
| Average total loans | $605,618,000 | 906 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4689% | 551 |
| Cost of funding earning assets | 1.1301% | 1,093 |
| Net interest margin | 4.3388% | 1,029 |
| Noninterest income to average assets | 0.2919% | 3,923 |
| Noninterest expense to average assets | 1.9935% | 4,655 |
| Loan and lease loss provision to assets | 0.1301% | 1,344 |
| Net operating income to assets | 1.4397% | 1,271 |
| Return on assets (ROA) | 1.4397% | 1,299 |
| Pretax return on assets | 1.9388% | 725 |
| Return on Equity (ROE) | 7.6415% | 3,405 |
| Retained earnings to average equity (ytd only) | 0.6111% | 4,407 |
| Net charge-offs to loans | 0.0198% | 2,057 |
| Credit loss provision to net charge-offs | 753.3333% | 453 |
| Earnings coverage of net charge-offs (x) | 119.8000% | 594 |
| Efficiency ratio | 49.0718% | 4,889 |
| Assets per employee ($millions) | 7.7680% | 733 |
| Cash dividends to net income (ytd only)* | 92.0032% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 974 |
| Loan loss allowance to noncurrent loans | 369.8170% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7426% | 1,885 |
| Noncurrent loans to loans | 0.4448% | 2,991 |
| Net loans and leases to total assets | 85.6290% | 220 |
| Net loans and leases to deposits | 112.7634% | 166 |
| Net loans and leases to core deposits | 135.2388% | 242 |
| Total domestic deposits to total assets | 75.9369% | 4,767 |
| Equity capital to assets | 18.9552% | 291 |
| Core capital (leverage) ratio | 11.6481% | 2,023 |
| Tier 1 risk-based capital ratio | 11.5228% | 4,732 |
| Total risk-based capital ratio | 12.7762% | 4,623 |
| Memoranda: | ||
| Average total assets | $694,871,500 | 1,086 |
| Average earning assets | $603,853,500 | 1,137 |
| Average equity | $130,917,000 | 694 |
| Average total loans | $604,647,500 | 914 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 677 |
| Cost of funding earning assets | 0.8717% | 1,211 |
| Net interest margin | 4.3455% | 1,053 |
| Noninterest income to average assets | 0.3236% | 3,935 |
| Noninterest expense to average assets | 1.9929% | 4,767 |
| Loan and lease loss provision to assets | 0.1423% | 1,512 |
| Net operating income to assets | 1.4850% | 1,158 |
| Return on assets (ROA) | 1.4850% | 1,146 |
| Pretax return on assets | 1.9691% | 598 |
| Return on Equity (ROE) | 7.5705% | 3,633 |
| Retained earnings to average equity (ytd only) | -2.1175% | 5,131 |
| Net charge-offs to loans | 0.1624% | 1,184 |
| Credit loss provision to net charge-offs | 100.7246% | 2,497 |
| Earnings coverage of net charge-offs (x) | 14.9493% | 2,356 |
| Efficiency ratio | 48.5573% | 5,017 |
| Assets per employee ($millions) | 7.6746% | 747 |
| Cash dividends to net income (ytd only)* | 127.9709% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 1,037 |
| Loan loss allowance to noncurrent loans | 300.4334% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 1,691 |
| Noncurrent loans to loans | 0.5318% | 2,678 |
| Net loans and leases to total assets | 85.5815% | 265 |
| Net loans and leases to deposits | 113.1258% | 177 |
| Net loans and leases to core deposits | 132.4424% | 280 |
| Total domestic deposits to total assets | 75.6516% | 4,788 |
| Equity capital to assets | 18.7269% | 290 |
| Core capital (leverage) ratio | 11.5987% | 2,025 |
| Tier 1 risk-based capital ratio | 11.3986% | 4,772 |
| Total risk-based capital ratio | 12.6515% | 4,678 |
| Memoranda: | ||
| Average total assets | $683,967,600 | 1,077 |
| Average earning assets | $595,074,000 | 1,124 |
| Average equity | $134,166,200 | 646 |
| Average total loans | $594,824,200 | 904 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 702 |
| Cost of funding earning assets | 0.8200% | 1,242 |
| Net interest margin | 4.3197% | 1,077 |
| Noninterest income to average assets | 0.3198% | 4,009 |
| Noninterest expense to average assets | 1.9932% | 4,753 |
| Loan and lease loss provision to assets | 0.1337% | 1,507 |
| Net operating income to assets | 1.4515% | 1,321 |
| Return on assets (ROA) | 1.4515% | 1,322 |
| Pretax return on assets | 1.9526% | 721 |
| Return on Equity (ROE) | 7.3148% | 3,813 |
| Retained earnings to average equity (ytd only) | 0.8957% | 4,884 |
| Net charge-offs to loans | 0.1692% | 977 |
| Credit loss provision to net charge-offs | 90.8123% | 2,415 |
| Earnings coverage of net charge-offs (x) | 14.1757% | 2,301 |
| Efficiency ratio | 48.8591% | 5,009 |
| Assets per employee ($millions) | 7.8208% | 689 |
| Cash dividends to net income (ytd only)* | 87.7549% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 1,113 |
| Loan loss allowance to noncurrent loans | 237.7871% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 1,588 |
| Noncurrent loans to loans | 0.6663% | 2,412 |
| Net loans and leases to total assets | 85.9282% | 267 |
| Net loans and leases to deposits | 111.8791% | 238 |
| Net loans and leases to core deposits | 132.8915% | 287 |
| Total domestic deposits to total assets | 76.8046% | 4,673 |
| Equity capital to assets | 19.3231% | 256 |
| Core capital (leverage) ratio | 12.3269% | 1,591 |
| Tier 1 risk-based capital ratio | 12.1876% | 4,389 |
| Total risk-based capital ratio | 13.4408% | 4,282 |
| Memoranda: | ||
| Average total assets | $680,362,750 | 1,081 |
| Average earning assets | $592,161,500 | 1,131 |
| Average equity | $135,011,250 | 635 |
| Average total loans | $591,681,750 | 906 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 728 |
| Cost of funding earning assets | 0.7684% | 1,289 |
| Net interest margin | 4.2817% | 1,072 |
| Noninterest income to average assets | 0.3185% | 4,049 |
| Noninterest expense to average assets | 2.0183% | 4,762 |
| Loan and lease loss provision to assets | 0.1315% | 1,507 |
| Net operating income to assets | 1.4077% | 1,410 |
| Return on assets (ROA) | 1.4077% | 1,413 |
| Pretax return on assets | 1.8941% | 785 |
| Return on Equity (ROE) | 7.0305% | 3,895 |
| Retained earnings to average equity (ytd only) | 3.3318% | 3,913 |
| Net charge-offs to loans | 0.1484% | 1,034 |
| Credit loss provision to net charge-offs | 102.0690% | 1,984 |
| Earnings coverage of net charge-offs (x) | 15.7195% | 2,026 |
| Efficiency ratio | 49.9084% | 5,030 |
| Assets per employee ($millions) | 7.5438% | 750 |
| Cash dividends to net income (ytd only)* | 52.6094% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 972 |
| Loan loss allowance to noncurrent loans | 182.7872% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1212% | 1,314 |
| Noncurrent loans to loans | 0.9102% | 1,899 |
| Net loans and leases to total assets | 85.4430% | 309 |
| Net loans and leases to deposits | 109.8790% | 282 |
| Net loans and leases to core deposits | 129.5685% | 341 |
| Total domestic deposits to total assets | 77.7610% | 4,626 |
| Equity capital to assets | 20.2375% | 216 |
| Core capital (leverage) ratio | 12.7863% | 1,318 |
| Tier 1 risk-based capital ratio | 12.8743% | 3,965 |
| Total risk-based capital ratio | 14.1284% | 3,877 |
| Memoranda: | ||
| Average total assets | $675,134,670 | 1,091 |
| Average earning assets | $587,436,000 | 1,144 |
| Average equity | $135,182,330 | 630 |
| Average total loans | $586,332,670 | 912 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 775 |
| Cost of funding earning assets | 0.7149% | 1,370 |
| Net interest margin | 4.2362% | 1,090 |
| Noninterest income to average assets | 0.3126% | 4,063 |
| Noninterest expense to average assets | 2.0000% | 4,851 |
| Loan and lease loss provision to assets | 0.1365% | 1,382 |
| Net operating income to assets | 1.3837% | 1,386 |
| Return on assets (ROA) | 1.3837% | 1,401 |
| Pretax return on assets | 1.8629% | 794 |
| Return on Equity (ROE) | 6.9477% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.9477% | 2,302 |
| Net charge-offs to loans | 0.0987% | 1,194 |
| Credit loss provision to net charge-offs | 159.3103% | 1,193 |
| Earnings coverage of net charge-offs (x) | 23.3379% | 1,385 |
| Efficiency ratio | 50.0074% | 5,084 |
| Assets per employee ($millions) | 7.1713% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 1,050 |
| Loan loss allowance to noncurrent loans | 205.1804% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 1,507 |
| Noncurrent loans to loans | 0.8055% | 2,197 |
| Net loans and leases to total assets | 85.4508% | 300 |
| Net loans and leases to deposits | 110.2065% | 250 |
| Net loans and leases to core deposits | 132.2944% | 299 |
| Total domestic deposits to total assets | 77.5370% | 4,797 |
| Equity capital to assets | 19.9592% | 216 |
| Core capital (leverage) ratio | 12.9389% | 1,201 |
| Tier 1 risk-based capital ratio | 12.3903% | 4,313 |
| Total risk-based capital ratio | 13.6438% | 4,204 |
| Memoranda: | ||
| Average total assets | $677,003,500 | 1,095 |
| Average earning assets | $589,210,500 | 1,149 |
| Average equity | $134,836,500 | 633 |
| Average total loans | $587,815,000 | 912 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 848 |
| Cost of funding earning assets | 0.5808% | 1,736 |
| Net interest margin | 4.2927% | 976 |
| Noninterest income to average assets | 0.2851% | 4,423 |
| Noninterest expense to average assets | 1.9248% | 5,084 |
| Loan and lease loss provision to assets | 0.1408% | 1,619 |
| Net operating income to assets | 1.1020% | 1,850 |
| Return on assets (ROA) | 1.1020% | 1,871 |
| Pretax return on assets | 1.9540% | 543 |
| Return on Equity (ROE) | 5.5860% | 3,928 |
| Retained earnings to average equity (ytd only) | -1.7922% | 5,265 |
| Net charge-offs to loans | 0.1591% | 1,530 |
| Credit loss provision to net charge-offs | 102.7630% | 2,487 |
| Earnings coverage of net charge-offs (x) | 15.2933% | 2,256 |
| Efficiency ratio | 47.8363% | 5,326 |
| Assets per employee ($millions) | 7.1567% | 907 |
| Cash dividends to net income (ytd only)* | 132.0829% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 1,010 |
| Loan loss allowance to noncurrent loans | 201.9788% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 1,415 |
| Noncurrent loans to loans | 0.8225% | 2,161 |
| Net loans and leases to total assets | 85.3230% | 310 |
| Net loans and leases to deposits | 109.1380% | 291 |
| Net loans and leases to core deposits | 128.7034% | 369 |
| Total domestic deposits to total assets | 78.1789% | 4,689 |
| Equity capital to assets | 19.8736% | 213 |
| Core capital (leverage) ratio | 12.3593% | 1,418 |
| Tier 1 risk-based capital ratio | 12.2761% | 4,351 |
| Total risk-based capital ratio | 13.5297% | 4,255 |
| Memoranda: | ||
| Average total assets | $687,017,800 | 1,061 |
| Average earning assets | $597,662,800 | 1,119 |
| Average equity | $135,534,600 | 607 |
| Average total loans | $591,556,400 | 874 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 856 |
| Cost of funding earning assets | 0.5618% | 1,794 |
| Net interest margin | 4.2788% | 974 |
| Noninterest income to average assets | 0.2937% | 4,432 |
| Noninterest expense to average assets | 1.9394% | 5,070 |
| Loan and lease loss provision to assets | 0.1411% | 1,499 |
| Net operating income to assets | 1.1856% | 1,756 |
| Return on assets (ROA) | 1.1856% | 1,792 |
| Pretax return on assets | 1.9349% | 628 |
| Return on Equity (ROE) | 6.0207% | 4,114 |
| Retained earnings to average equity (ytd only) | -1.8226% | 5,417 |
| Net charge-offs to loans | 0.1307% | 1,477 |
| Credit loss provision to net charge-offs | 125.6014% | 1,935 |
| Earnings coverage of net charge-offs (x) | 18.4760% | 2,046 |
| Efficiency ratio | 48.2306% | 5,331 |
| Assets per employee ($millions) | 7.5527% | 745 |
| Cash dividends to net income (ytd only)* | 130.2719% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 1,155 |
| Loan loss allowance to noncurrent loans | 262.0064% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 1,609 |
| Noncurrent loans to loans | 0.6263% | 2,829 |
| Net loans and leases to total assets | 85.6391% | 280 |
| Net loans and leases to deposits | 109.4003% | 297 |
| Net loans and leases to core deposits | 129.3774% | 353 |
| Total domestic deposits to total assets | 78.2806% | 4,676 |
| Equity capital to assets | 19.5448% | 247 |
| Core capital (leverage) ratio | 12.3357% | 1,493 |
| Tier 1 risk-based capital ratio | 12.2332% | 4,473 |
| Total risk-based capital ratio | 13.4870% | 4,368 |
| Memoranda: | ||
| Average total assets | $690,589,500 | 1,060 |
| Average earning assets | $600,677,750 | 1,120 |
| Average equity | $135,994,250 | 604 |
| Average total loans | $593,522,750 | 878 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 889 |
| Cost of funding earning assets | 0.5290% | 1,929 |
| Net interest margin | 4.2548% | 966 |
| Noninterest income to average assets | 0.3085% | 4,332 |
| Noninterest expense to average assets | 1.9624% | 5,054 |
| Loan and lease loss provision to assets | 0.1399% | 1,470 |
| Net operating income to assets | 1.1670% | 1,713 |
| Return on assets (ROA) | 1.1670% | 1,754 |
| Pretax return on assets | 1.9040% | 644 |
| Return on Equity (ROE) | 5.9114% | 4,083 |
| Retained earnings to average equity (ytd only) | -1.4119% | 5,277 |
| Net charge-offs to loans | 0.0291% | 2,625 |
| Credit loss provision to net charge-offs | 562.7907% | 594 |
| Earnings coverage of net charge-offs (x) | 82.1977% | 749 |
| Efficiency ratio | 48.8814% | 5,361 |
| Assets per employee ($millions) | 7.6221% | 703 |
| Cash dividends to net income (ytd only)* | 123.8850% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 1,069 |
| Loan loss allowance to noncurrent loans | 230.2538% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2325% | 1,377 |
| Noncurrent loans to loans | 0.7363% | 2,555 |
| Net loans and leases to total assets | 85.1082% | 335 |
| Net loans and leases to deposits | 108.7583% | 291 |
| Net loans and leases to core deposits | 128.1439% | 337 |
| Total domestic deposits to total assets | 78.2545% | 4,779 |
| Equity capital to assets | 19.7114% | 231 |
| Core capital (leverage) ratio | 12.5547% | 1,344 |
| Tier 1 risk-based capital ratio | 12.3593% | 4,381 |
| Total risk-based capital ratio | 13.6135% | 4,269 |
| Memoranda: | ||
| Average total assets | $691,688,670 | 1,062 |
| Average earning assets | $601,154,670 | 1,125 |
| Average equity | $136,549,000 | 601 |
| Average total loans | $591,893,330 | 889 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8099% | 730 |
| Cost of funding earning assets | 0.4929% | 2,149 |
| Net interest margin | 4.3169% | 753 |
| Noninterest income to average assets | 0.2995% | 4,417 |
| Noninterest expense to average assets | 1.9725% | 5,109 |
| Loan and lease loss provision to assets | 0.1371% | 1,387 |
| Net operating income to assets | 1.1904% | 1,524 |
| Return on assets (ROA) | 1.1904% | 1,567 |
| Pretax return on assets | 1.9426% | 567 |
| Return on Equity (ROE) | 6.0256% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.0256% | 2,319 |
| Net charge-offs to loans | 0.0332% | 2,112 |
| Credit loss provision to net charge-offs | 485.7143% | 580 |
| Earnings coverage of net charge-offs (x) | 73.6939% | 697 |
| Efficiency ratio | 48.4792% | 5,445 |
| Assets per employee ($millions) | 7.1989% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 1,207 |
| Loan loss allowance to noncurrent loans | 218.0451% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.3002% | 1,308 |
| Noncurrent loans to loans | 0.7667% | 2,560 |
| Net loans and leases to total assets | 84.7996% | 305 |
| Net loans and leases to deposits | 106.8988% | 288 |
| Net loans and leases to core deposits | 126.4465% | 315 |
| Total domestic deposits to total assets | 79.3270% | 4,766 |
| Equity capital to assets | 20.2147% | 206 |
| Core capital (leverage) ratio | 12.9420% | 1,168 |
| Tier 1 risk-based capital ratio | 12.9935% | 4,085 |
| Total risk-based capital ratio | 14.2476% | 3,981 |
| Memoranda: | ||
| Average total assets | $694,538,000 | 1,063 |
| Average earning assets | $603,760,500 | 1,124 |
| Average equity | $137,214,500 | 588 |
| Average total loans | $590,888,500 | 886 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 1,177 |
| Cost of funding earning assets | 0.4384% | 2,624 |
| Net interest margin | 4.2074% | 1,097 |
| Noninterest income to average assets | 0.3667% | 4,124 |
| Noninterest expense to average assets | 2.1489% | 4,899 |
| Loan and lease loss provision to assets | 0.1887% | 1,246 |
| Net operating income to assets | 1.0119% | 2,304 |
| Return on assets (ROA) | 1.0119% | 2,402 |
| Pretax return on assets | 1.6488% | 1,139 |
| Return on Equity (ROE) | 5.2977% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.2977% | 2,131 |
| Net charge-offs to loans | 0.2267% | 1,228 |
| Credit loss provision to net charge-offs | 99.3187% | 2,622 |
| Earnings coverage of net charge-offs (x) | 9.6730% | 2,729 |
| Efficiency ratio | 53.4882% | 5,284 |
| Assets per employee ($millions) | 7.0518% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 1,295 |
| Loan loss allowance to noncurrent loans | 275.7628% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 1,650 |
| Noncurrent loans to loans | 0.5924% | 3,075 |
| Net loans and leases to total assets | 82.5753% | 531 |
| Net loans and leases to deposits | 107.7910% | 279 |
| Net loans and leases to core deposits | 129.0968% | 298 |
| Total domestic deposits to total assets | 76.6069% | 5,167 |
| Equity capital to assets | 19.3116% | 228 |
| Core capital (leverage) ratio | 12.6126% | 1,295 |
| Tier 1 risk-based capital ratio | 12.1651% | 4,604 |
| Total risk-based capital ratio | 13.4180% | 4,478 |
| Memoranda: | ||
| Average total assets | $695,426,200 | 1,024 |
| Average earning assets | $598,272,200 | 1,091 |
| Average equity | $132,832,200 | 602 |
| Average total loans | $582,750,200 | 854 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 1,201 |
| Cost of funding earning assets | 0.4321% | 2,712 |
| Net interest margin | 4.2121% | 1,097 |
| Noninterest income to average assets | 0.3546% | 4,252 |
| Noninterest expense to average assets | 2.0970% | 5,012 |
| Loan and lease loss provision to assets | 0.1539% | 1,514 |
| Net operating income to assets | 1.0528% | 2,188 |
| Return on assets (ROA) | 1.0528% | 2,311 |
| Pretax return on assets | 1.7156% | 1,073 |
| Return on Equity (ROE) | 5.5273% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.5273% | 2,467 |
| Net charge-offs to loans | 0.2497% | 938 |
| Credit loss provision to net charge-offs | 73.5971% | 2,744 |
| Earnings coverage of net charge-offs (x) | 8.9393% | 2,722 |
| Efficiency ratio | 52.3719% | 5,362 |
| Assets per employee ($millions) | 7.4026% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 1,479 |
| Loan loss allowance to noncurrent loans | 228.0408% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 1,617 |
| Noncurrent loans to loans | 0.7006% | 2,935 |
| Net loans and leases to total assets | 78.9371% | 1,049 |
| Net loans and leases to deposits | 110.4651% | 250 |
| Net loans and leases to core deposits | 133.8969% | 249 |
| Total domestic deposits to total assets | 71.4588% | 5,621 |
| Equity capital to assets | 18.3865% | 315 |
| Core capital (leverage) ratio | 12.1460% | 1,574 |
| Tier 1 risk-based capital ratio | 11.8066% | 4,914 |
| Total risk-based capital ratio | 13.0589% | 4,805 |
| Memoranda: | ||
| Average total assets | $692,988,000 | 1,033 |
| Average earning assets | $594,240,000 | 1,101 |
| Average equity | $131,995,000 | 610 |
| Average total loans | $580,444,000 | 855 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 1,092 |
| Cost of funding earning assets | 0.4264% | 2,765 |
| Net interest margin | 4.2537% | 1,013 |
| Noninterest income to average assets | 0.3454% | 4,308 |
| Noninterest expense to average assets | 2.0977% | 5,064 |
| Loan and lease loss provision to assets | 0.1433% | 1,590 |
| Net operating income to assets | 1.0722% | 2,080 |
| Return on assets (ROA) | 1.0722% | 2,199 |
| Pretax return on assets | 1.7472% | 983 |
| Return on Equity (ROE) | 5.5601% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.5601% | 2,389 |
| Net charge-offs to loans | 0.2983% | 802 |
| Credit loss provision to net charge-offs | 56.4965% | 2,612 |
| Earnings coverage of net charge-offs (x) | 7.4536% | 2,628 |
| Efficiency ratio | 51.9478% | 5,447 |
| Assets per employee ($millions) | 6.9114% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,649 |
| Loan loss allowance to noncurrent loans | 212.5885% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 1,505 |
| Noncurrent loans to loans | 0.7336% | 2,905 |
| Net loans and leases to total assets | 84.1384% | 412 |
| Net loans and leases to deposits | 112.0573% | 207 |
| Net loans and leases to core deposits | 137.0431% | 213 |
| Total domestic deposits to total assets | 75.0851% | 5,399 |
| Equity capital to assets | 19.0461% | 261 |
| Core capital (leverage) ratio | 12.1136% | 1,553 |
| Tier 1 risk-based capital ratio | 11.5353% | 5,130 |
| Total risk-based capital ratio | 12.7872% | 5,014 |
| Memoranda: | ||
| Average total assets | $679,698,330 | 1,048 |
| Average earning assets | $582,085,330 | 1,124 |
| Average equity | $131,077,670 | 616 |
| Average total loans | $577,962,330 | 859 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 1,167 |
| Cost of funding earning assets | 0.4190% | 2,869 |
| Net interest margin | 4.2185% | 1,062 |
| Noninterest income to average assets | 0.3615% | 4,141 |
| Noninterest expense to average assets | 2.1082% | 5,103 |
| Loan and lease loss provision to assets | 0.1348% | 1,563 |
| Net operating income to assets | 1.0583% | 2,058 |
| Return on assets (ROA) | 1.0583% | 2,166 |
| Pretax return on assets | 1.7222% | 1,011 |
| Return on Equity (ROE) | 5.4525% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.4525% | 2,684 |
| Net charge-offs to loans | -0.0021% | 4,124 |
| Credit loss provision to net charge-offs | -7,533.3333% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2792% | 5,497 |
| Assets per employee ($millions) | 6.8568% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 1,350 |
| Loan loss allowance to noncurrent loans | 170.5508% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.5673% | 1,279 |
| Noncurrent loans to loans | 1.0010% | 2,382 |
| Net loans and leases to total assets | 84.0417% | 368 |
| Net loans and leases to deposits | 106.2734% | 331 |
| Net loans and leases to core deposits | 131.6772% | 247 |
| Total domestic deposits to total assets | 79.0807% | 4,951 |
| Equity capital to assets | 19.3062% | 242 |
| Core capital (leverage) ratio | 12.2138% | 1,491 |
| Tier 1 risk-based capital ratio | 11.4633% | 5,253 |
| Total risk-based capital ratio | 12.7167% | 5,155 |
| Memoranda: | ||
| Average total assets | $670,523,000 | 1,057 |
| Average earning assets | $572,812,000 | 1,136 |
| Average equity | $130,141,000 | 616 |
| Average total loans | $568,627,500 | 868 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 969 |
| Cost of funding earning assets | 0.4319% | 2,831 |
| Net interest margin | 4.3417% | 885 |
| Noninterest income to average assets | 0.3406% | 4,473 |
| Noninterest expense to average assets | 2.1548% | 5,141 |
| Loan and lease loss provision to assets | 0.1716% | 1,333 |
| Net operating income to assets | 1.0580% | 2,091 |
| Return on assets (ROA) | 1.0590% | 2,170 |
| Pretax return on assets | 1.7258% | 943 |
| Return on Equity (ROE) | 5.3824% | 4,334 |
| Retained earnings to average equity (ytd only) | 1.2439% | 5,007 |
| Net charge-offs to loans | 0.2962% | 1,024 |
| Credit loss provision to net charge-offs | 68.8232% | 3,143 |
| Earnings coverage of net charge-offs (x) | 7.6026% | 3,058 |
| Efficiency ratio | 52.3024% | 5,618 |
| Assets per employee ($millions) | 6.7573% | 982 |
| Cash dividends to net income (ytd only)* | 76.8896% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 1,270 |
| Loan loss allowance to noncurrent loans | 145.3890% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.6759% | 1,166 |
| Noncurrent loans to loans | 1.1957% | 1,976 |
| Net loans and leases to total assets | 82.6264% | 531 |
| Net loans and leases to deposits | 103.4450% | 467 |
| Net loans and leases to core deposits | 134.3320% | 216 |
| Total domestic deposits to total assets | 79.8748% | 4,772 |
| Equity capital to assets | 19.5141% | 225 |
| Core capital (leverage) ratio | 11.8905% | 1,691 |
| Tier 1 risk-based capital ratio | 11.6478% | 5,162 |
| Total risk-based capital ratio | 12.9017% | 5,073 |
| Memoranda: | ||
| Average total assets | $650,872,800 | 1,052 |
| Average earning assets | $556,170,600 | 1,136 |
| Average equity | $128,066,600 | 594 |
| Average total loans | $548,022,600 | 856 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 1,003 |
| Cost of funding earning assets | 0.4321% | 2,880 |
| Net interest margin | 4.3274% | 915 |
| Noninterest income to average assets | 0.3570% | 4,387 |
| Noninterest expense to average assets | 2.1552% | 5,151 |
| Loan and lease loss provision to assets | 0.1385% | 1,607 |
| Net operating income to assets | 1.0847% | 2,077 |
| Return on assets (ROA) | 1.0847% | 2,163 |
| Pretax return on assets | 1.7678% | 959 |
| Return on Equity (ROE) | 5.5011% | 4,408 |
| Retained earnings to average equity (ytd only) | -0.0292% | 5,599 |
| Net charge-offs to loans | 0.2023% | 1,276 |
| Credit loss provision to net charge-offs | 81.2802% | 2,596 |
| Earnings coverage of net charge-offs (x) | 11.1896% | 2,520 |
| Efficiency ratio | 52.1682% | 5,645 |
| Assets per employee ($millions) | 6.7299% | 973 |
| Cash dividends to net income (ytd only)* | 100.5311% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 1,260 |
| Loan loss allowance to noncurrent loans | 203.5098% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 1.4533% | 1,549 |
| Noncurrent loans to loans | 0.8851% | 2,768 |
| Net loans and leases to total assets | 82.9179% | 481 |
| Net loans and leases to deposits | 107.2821% | 324 |
| Net loans and leases to core deposits | 135.6383% | 211 |
| Total domestic deposits to total assets | 77.2896% | 5,300 |
| Equity capital to assets | 19.3601% | 258 |
| Core capital (leverage) ratio | 11.9111% | 1,732 |
| Tier 1 risk-based capital ratio | 11.3468% | 5,464 |
| Total risk-based capital ratio | 12.6012% | 5,370 |
| Memoranda: | ||
| Average total assets | $648,036,250 | 1,064 |
| Average earning assets | $554,740,750 | 1,138 |
| Average equity | $127,776,750 | 601 |
| Average total loans | $545,816,250 | 865 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 911 |
| Cost of funding earning assets | 0.4316% | 2,921 |
| Net interest margin | 4.3567% | 825 |
| Noninterest income to average assets | 0.3623% | 4,350 |
| Noninterest expense to average assets | 2.1546% | 5,209 |
| Loan and lease loss provision to assets | 0.1599% | 1,328 |
| Net operating income to assets | 1.0903% | 1,983 |
| Return on assets (ROA) | 1.0903% | 2,079 |
| Pretax return on assets | 1.7768% | 931 |
| Return on Equity (ROE) | 5.4958% | 4,372 |
| Retained earnings to average equity (ytd only) | 0.1753% | 5,447 |
| Net charge-offs to loans | 0.1553% | 1,546 |
| Credit loss provision to net charge-offs | 122.3278% | 1,773 |
| Earnings coverage of net charge-offs (x) | 14.8171% | 2,030 |
| Efficiency ratio | 51.7681% | 5,734 |
| Assets per employee ($millions) | 6.9920% | 833 |
| Cash dividends to net income (ytd only)* | 96.8109% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 1,219 |
| Loan loss allowance to noncurrent loans | 188.7277% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 1.5857% | 1,525 |
| Noncurrent loans to loans | 0.9926% | 2,659 |
| Net loans and leases to total assets | 82.8083% | 494 |
| Net loans and leases to deposits | 103.6458% | 472 |
| Net loans and leases to core deposits | 131.4915% | 254 |
| Total domestic deposits to total assets | 79.8955% | 4,889 |
| Equity capital to assets | 19.6519% | 238 |
| Core capital (leverage) ratio | 11.8944% | 1,719 |
| Tier 1 risk-based capital ratio | 11.5567% | 5,425 |
| Total risk-based capital ratio | 12.8120% | 5,341 |
| Memoranda: | ||
| Average total assets | $644,206,330 | 1,076 |
| Average earning assets | $551,382,670 | 1,141 |
| Average equity | $127,807,330 | 599 |
| Average total loans | $542,123,000 | 868 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 956 |
| Cost of funding earning assets | 0.4306% | 2,971 |
| Net interest margin | 4.3127% | 855 |
| Noninterest income to average assets | 0.3562% | 4,350 |
| Noninterest expense to average assets | 2.1485% | 5,278 |
| Loan and lease loss provision to assets | 0.1610% | 1,255 |
| Net operating income to assets | 1.0674% | 1,977 |
| Return on assets (ROA) | 1.0674% | 2,099 |
| Pretax return on assets | 1.7393% | 967 |
| Return on Equity (ROE) | 5.3545% | 4,351 |
| Retained earnings to average equity (ytd only) | 0.6603% | 5,180 |
| Net charge-offs to loans | 0.1277% | 1,492 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 17.7093% | 1,514 |
| Efficiency ratio | 52.1572% | 5,800 |
| Assets per employee ($millions) | 6.7162% | 964 |
| Cash dividends to net income (ytd only)* | 87.6680% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 1,354 |
| Loan loss allowance to noncurrent loans | 169.0586% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.8105% | 1,352 |
| Noncurrent loans to loans | 1.1036% | 2,564 |
| Net loans and leases to total assets | 82.9330% | 381 |
| Net loans and leases to deposits | 105.1816% | 339 |
| Net loans and leases to core deposits | 131.8482% | 226 |
| Total domestic deposits to total assets | 78.8474% | 5,291 |
| Equity capital to assets | 19.6389% | 239 |
| Core capital (leverage) ratio | 12.0993% | 1,576 |
| Tier 1 risk-based capital ratio | 11.5386% | 5,533 |
| Total risk-based capital ratio | 12.7937% | 5,444 |
| Memoranda: | ||
| Average total assets | $641,181,000 | 1,083 |
| Average earning assets | $548,984,500 | 1,152 |
| Average equity | $127,817,000 | 599 |
| Average total loans | $538,811,000 | 872 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 1,176 |
| Cost of funding earning assets | 0.4647% | 3,024 |
| Net interest margin | 4.3030% | 1,056 |
| Noninterest income to average assets | 0.4293% | 3,977 |
| Noninterest expense to average assets | 2.2158% | 5,312 |
| Loan and lease loss provision to assets | 0.1701% | 1,530 |
| Net operating income to assets | 1.0397% | 2,214 |
| Return on assets (ROA) | 1.0397% | 2,290 |
| Pretax return on assets | 1.6941% | 998 |
| Return on Equity (ROE) | 5.0733% | 4,624 |
| Retained earnings to average equity (ytd only) | 0.0023% | 5,759 |
| Net charge-offs to loans | 0.2769% | 1,562 |
| Credit loss provision to net charge-offs | 76.0948% | 2,947 |
| Earnings coverage of net charge-offs (x) | 8.3396% | 2,897 |
| Efficiency ratio | 53.3058% | 5,901 |
| Assets per employee ($millions) | 6.4377% | 1,089 |
| Cash dividends to net income (ytd only)* | 99.9537% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9326% | 1,232 |
| Loan loss allowance to noncurrent loans | 245.6826% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 1,851 |
| Noncurrent loans to loans | 0.7866% | 3,338 |
| Net loans and leases to total assets | 81.9285% | 529 |
| Net loans and leases to deposits | 109.7386% | 245 |
| Net loans and leases to core deposits | 131.9828% | 222 |
| Total domestic deposits to total assets | 74.6579% | 5,892 |
| Equity capital to assets | 20.2400% | 219 |
| Core capital (leverage) ratio | 12.2366% | 1,485 |
| Tier 1 risk-based capital ratio | 12.7176% | 4,908 |
| Total risk-based capital ratio | 13.9748% | 4,814 |
| Memoranda: | ||
| Average total assets | $623,164,400 | 1,069 |
| Average earning assets | $528,697,600 | 1,148 |
| Average equity | $127,709,000 | 569 |
| Average total loans | $502,981,600 | 888 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7671% | 1,166 |
| Cost of funding earning assets | 0.4701% | 3,052 |
| Net interest margin | 4.2969% | 1,057 |
| Noninterest income to average assets | 0.4456% | 3,923 |
| Noninterest expense to average assets | 2.2376% | 5,262 |
| Loan and lease loss provision to assets | 0.1618% | 1,539 |
| Net operating income to assets | 1.0356% | 2,300 |
| Return on assets (ROA) | 1.0356% | 2,361 |
| Pretax return on assets | 1.6869% | 1,091 |
| Return on Equity (ROE) | 5.0372% | 4,699 |
| Retained earnings to average equity (ytd only) | 0.0783% | 5,772 |
| Net charge-offs to loans | 0.1985% | 1,878 |
| Credit loss provision to net charge-offs | 101.8919% | 2,164 |
| Earnings coverage of net charge-offs (x) | 11.6406% | 2,401 |
| Efficiency ratio | 53.7290% | 5,846 |
| Assets per employee ($millions) | 6.3668% | 1,105 |
| Cash dividends to net income (ytd only)* | 98.4457% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1061% | 1,083 |
| Loan loss allowance to noncurrent loans | 228.8290% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6418% | 1,845 |
| Noncurrent loans to loans | 0.9204% | 3,263 |
| Net loans and leases to total assets | 76.8984% | 1,108 |
| Net loans and leases to deposits | 96.8051% | 815 |
| Net loans and leases to core deposits | 118.9834% | 418 |
| Total domestic deposits to total assets | 79.4363% | 5,235 |
| Equity capital to assets | 20.0669% | 230 |
| Core capital (leverage) ratio | 12.2559% | 1,542 |
| Tier 1 risk-based capital ratio | 13.5538% | 4,505 |
| Total risk-based capital ratio | 14.8134% | 4,441 |
| Memoranda: | ||
| Average total assets | $621,231,750 | 1,084 |
| Average earning assets | $526,377,000 | 1,163 |
| Average equity | $127,713,000 | 563 |
| Average total loans | $496,959,750 | 904 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 1,135 |
| Cost of funding earning assets | 0.4759% | 3,057 |
| Net interest margin | 4.2914% | 1,039 |
| Noninterest income to average assets | 0.3928% | 4,289 |
| Noninterest expense to average assets | 2.2344% | 5,328 |
| Loan and lease loss provision to assets | 0.1633% | 1,511 |
| Net operating income to assets | 0.9947% | 2,340 |
| Return on assets (ROA) | 0.9947% | 2,409 |
| Pretax return on assets | 1.6193% | 1,206 |
| Return on Equity (ROE) | 4.7989% | 4,770 |
| Retained earnings to average equity (ytd only) | 0.0219% | 5,672 |
| Net charge-offs to loans | 0.2730% | 1,450 |
| Credit loss provision to net charge-offs | 74.2984% | 2,398 |
| Earnings coverage of net charge-offs (x) | 8.1108% | 2,535 |
| Efficiency ratio | 54.5256% | 5,871 |
| Assets per employee ($millions) | 6.0716% | 1,238 |
| Cash dividends to net income (ytd only)* | 99.5431% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0093% | 1,343 |
| Loan loss allowance to noncurrent loans | 192.3935% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.9153% | 1,686 |
| Noncurrent loans to loans | 1.0444% | 3,145 |
| Net loans and leases to total assets | 79.1375% | 784 |
| Net loans and leases to deposits | 101.7169% | 469 |
| Net loans and leases to core deposits | 122.7965% | 322 |
| Total domestic deposits to total assets | 77.8017% | 5,676 |
| Equity capital to assets | 20.0344% | 218 |
| Core capital (leverage) ratio | 12.6374% | 1,316 |
| Tier 1 risk-based capital ratio | 13.2513% | 4,756 |
| Total risk-based capital ratio | 14.5099% | 4,682 |
| Memoranda: | ||
| Average total assets | $616,084,000 | 1,094 |
| Average earning assets | $520,297,000 | 1,170 |
| Average equity | $127,697,000 | 562 |
| Average total loans | $495,904,330 | 895 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 1,079 |
| Cost of funding earning assets | 0.4907% | 3,005 |
| Net interest margin | 4.2944% | 1,007 |
| Noninterest income to average assets | 0.3951% | 4,227 |
| Noninterest expense to average assets | 2.2499% | 5,327 |
| Loan and lease loss provision to assets | 0.1658% | 1,459 |
| Net operating income to assets | 0.9858% | 2,266 |
| Return on assets (ROA) | 0.9858% | 2,322 |
| Pretax return on assets | 1.6050% | 1,160 |
| Return on Equity (ROE) | 4.6740% | 4,704 |
| Retained earnings to average equity (ytd only) | 0.4448% | 5,403 |
| Net charge-offs to loans | -0.0173% | 5,284 |
| Credit loss provision to net charge-offs | -1,195.2381% | 5,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7576% | 5,947 |
| Assets per employee ($millions) | 6.0074% | 1,297 |
| Cash dividends to net income (ytd only)* | 90.4826% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2022% | 1,155 |
| Loan loss allowance to noncurrent loans | 84.2849% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 3.0777% | 912 |
| Noncurrent loans to loans | 2.6128% | 1,314 |
| Net loans and leases to total assets | 78.2064% | 747 |
| Net loans and leases to deposits | 99.6150% | 457 |
| Net loans and leases to core deposits | 119.6966% | 332 |
| Total domestic deposits to total assets | 78.5086% | 5,752 |
| Equity capital to assets | 20.8539% | 180 |
| Core capital (leverage) ratio | 12.9165% | 1,195 |
| Tier 1 risk-based capital ratio | 14.3128% | 4,117 |
| Total risk-based capital ratio | 15.5744% | 4,065 |
| Memoranda: | ||
| Average total assets | $605,369,500 | 1,116 |
| Average earning assets | $511,089,000 | 1,206 |
| Average equity | $127,684,500 | 566 |
| Average total loans | $486,428,000 | 918 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 1,190 |
| Cost of funding earning assets | 0.6007% | 2,650 |
| Net interest margin | 4.2535% | 1,212 |
| Noninterest income to average assets | 0.4330% | 4,210 |
| Noninterest expense to average assets | 2.3743% | 5,145 |
| Loan and lease loss provision to assets | 0.2868% | 1,202 |
| Net operating income to assets | 0.8324% | 3,122 |
| Return on assets (ROA) | 0.8326% | 3,207 |
| Pretax return on assets | 1.3574% | 1,940 |
| Return on Equity (ROE) | 3.9568% | 5,134 |
| Retained earnings to average equity (ytd only) | 0.2902% | 5,716 |
| Net charge-offs to loans | 0.4174% | 1,605 |
| Credit loss provision to net charge-offs | 87.4685% | 2,832 |
| Earnings coverage of net charge-offs (x) | 5.0131% | 3,406 |
| Efficiency ratio | 57.8939% | 5,753 |
| Assets per employee ($millions) | 5.8057% | 1,400 |
| Cash dividends to net income (ytd only)* | 92.6660% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1785% | 1,205 |
| Loan loss allowance to noncurrent loans | 86.2779% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 3.1345% | 989 |
| Noncurrent loans to loans | 2.5250% | 1,487 |
| Net loans and leases to total assets | 78.9875% | 718 |
| Net loans and leases to deposits | 101.9462% | 403 |
| Net loans and leases to core deposits | 119.3114% | 343 |
| Total domestic deposits to total assets | 77.4796% | 5,901 |
| Equity capital to assets | 21.3359% | 159 |
| Core capital (leverage) ratio | 12.8458% | 1,202 |
| Tier 1 risk-based capital ratio | 14.5753% | 3,920 |
| Total risk-based capital ratio | 15.8368% | 3,846 |
| Memoranda: | ||
| Average total assets | $605,940,000 | 1,094 |
| Average earning assets | $510,737,800 | 1,189 |
| Average equity | $127,500,800 | 558 |
| Average total loans | $476,021,800 | 893 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 1,250 |
| Cost of funding earning assets | 0.6180% | 2,662 |
| Net interest margin | 4.2267% | 1,257 |
| Noninterest income to average assets | 0.4557% | 4,118 |
| Noninterest expense to average assets | 2.3963% | 5,036 |
| Loan and lease loss provision to assets | 0.3020% | 1,119 |
| Net operating income to assets | 0.8077% | 3,305 |
| Return on assets (ROA) | 0.8080% | 3,433 |
| Pretax return on assets | 1.3172% | 2,271 |
| Return on Equity (ROE) | 3.8531% | 5,280 |
| Retained earnings to average equity (ytd only) | 0.1862% | 5,878 |
| Net charge-offs to loans | 0.0832% | 3,762 |
| Credit loss provision to net charge-offs | 465.2027% | 576 |
| Earnings coverage of net charge-offs (x) | 24.9356% | 1,403 |
| Efficiency ratio | 58.4913% | 5,630 |
| Assets per employee ($millions) | 5.9805% | 1,256 |
| Cash dividends to net income (ytd only)* | 95.1682% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4813% | 954 |
| Loan loss allowance to noncurrent loans | 79.7537% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 3.5109% | 969 |
| Noncurrent loans to loans | 3.1113% | 1,276 |
| Net loans and leases to total assets | 77.0945% | 861 |
| Net loans and leases to deposits | 98.3886% | 547 |
| Net loans and leases to core deposits | 113.9855% | 450 |
| Total domestic deposits to total assets | 78.3572% | 5,849 |
| Equity capital to assets | 21.0993% | 171 |
| Core capital (leverage) ratio | 12.7167% | 1,317 |
| Tier 1 risk-based capital ratio | 14.7848% | 3,887 |
| Total risk-based capital ratio | 16.0502% | 3,831 |
| Memoranda: | ||
| Average total assets | $607,929,500 | 1,102 |
| Average earning assets | $511,934,250 | 1,198 |
| Average equity | $127,479,750 | 564 |
| Average total loans | $474,314,750 | 897 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 1,179 |
| Cost of funding earning assets | 0.6314% | 2,672 |
| Net interest margin | 4.2354% | 1,185 |
| Noninterest income to average assets | 0.4586% | 4,104 |
| Noninterest expense to average assets | 2.3499% | 5,211 |
| Loan and lease loss provision to assets | 0.3017% | 1,193 |
| Net operating income to assets | 0.8391% | 3,104 |
| Return on assets (ROA) | 0.8391% | 3,258 |
| Pretax return on assets | 1.3680% | 2,045 |
| Return on Equity (ROE) | 4.0097% | 5,213 |
| Retained earnings to average equity (ytd only) | 0.3436% | 5,758 |
| Net charge-offs to loans | 0.1373% | 3,004 |
| Credit loss provision to net charge-offs | 282.7692% | 908 |
| Earnings coverage of net charge-offs (x) | 15.6492% | 1,721 |
| Efficiency ratio | 57.2689% | 5,828 |
| Assets per employee ($millions) | 5.6315% | 1,475 |
| Cash dividends to net income (ytd only)* | 91.4319% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4301% | 1,059 |
| Loan loss allowance to noncurrent loans | 116.9532% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 2.9726% | 1,370 |
| Noncurrent loans to loans | 2.0778% | 2,304 |
| Net loans and leases to total assets | 75.7080% | 1,016 |
| Net loans and leases to deposits | 96.4898% | 637 |
| Net loans and leases to core deposits | 111.0915% | 519 |
| Total domestic deposits to total assets | 78.4622% | 5,885 |
| Equity capital to assets | 21.1546% | 158 |
| Core capital (leverage) ratio | 12.8676% | 1,215 |
| Tier 1 risk-based capital ratio | 15.1227% | 3,697 |
| Total risk-based capital ratio | 16.3876% | 3,649 |
| Memoranda: | ||
| Average total assets | $609,229,330 | 1,100 |
| Average earning assets | $512,201,000 | 1,202 |
| Average equity | $127,491,000 | 565 |
| Average total loans | $473,245,330 | 895 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8592% | 1,181 |
| Cost of funding earning assets | 0.6475% | 2,684 |
| Net interest margin | 4.2118% | 1,160 |
| Noninterest income to average assets | 0.4930% | 3,820 |
| Noninterest expense to average assets | 2.3488% | 5,277 |
| Loan and lease loss provision to assets | 0.2971% | 1,177 |
| Net operating income to assets | 0.8476% | 2,910 |
| Return on assets (ROA) | 0.8476% | 3,053 |
| Pretax return on assets | 1.3811% | 1,921 |
| Return on Equity (ROE) | 4.0721% | 5,056 |
| Retained earnings to average equity (ytd only) | 0.4047% | 5,658 |
| Net charge-offs to loans | 0.2462% | 1,976 |
| Credit loss provision to net charge-offs | 155.2901% | 1,330 |
| Earnings coverage of net charge-offs (x) | 8.7713% | 1,915 |
| Efficiency ratio | 57.1429% | 5,941 |
| Assets per employee ($millions) | 5.8039% | 1,403 |
| Cash dividends to net income (ytd only)* | 90.0616% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3389% | 1,351 |
| Loan loss allowance to noncurrent loans | 95.1925% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 3.6644% | 1,139 |
| Noncurrent loans to loans | 2.4571% | 2,094 |
| Net loans and leases to total assets | 74.1810% | 1,050 |
| Net loans and leases to deposits | 94.4299% | 642 |
| Net loans and leases to core deposits | 109.3672% | 514 |
| Total domestic deposits to total assets | 78.5567% | 6,036 |
| Equity capital to assets | 20.7330% | 186 |
| Core capital (leverage) ratio | 12.6984% | 1,251 |
| Tier 1 risk-based capital ratio | 15.0012% | 3,832 |
| Total risk-based capital ratio | 16.2649% | 3,786 |
| Memoranda: | ||
| Average total assets | $612,557,500 | 1,108 |
| Average earning assets | $513,989,000 | 1,212 |
| Average equity | $127,500,500 | 570 |
| Average total loans | $476,089,000 | 890 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0409% | 1,455 |
| Cost of funding earning assets | 0.7388% | 3,174 |
| Net interest margin | 4.3021% | 1,395 |
| Noninterest income to average assets | 0.4621% | 4,160 |
| Noninterest expense to average assets | 2.4960% | 5,111 |
| Loan and lease loss provision to assets | 0.5429% | 1,057 |
| Net operating income to assets | 0.6399% | 4,038 |
| Return on assets (ROA) | 0.6399% | 4,299 |
| Pretax return on assets | 1.0437% | 3,379 |
| Return on Equity (ROE) | 3.0936% | 5,519 |
| Retained earnings to average equity (ytd only) | 3.0936% | 4,056 |
| Net charge-offs to loans | 0.6897% | 1,712 |
| Credit loss provision to net charge-offs | 100.1217% | 3,026 |
| Earnings coverage of net charge-offs (x) | 2.9261% | 3,964 |
| Efficiency ratio | 59.9006% | 5,558 |
| Assets per employee ($millions) | 5.7000% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2208% | 1,526 |
| Loan loss allowance to noncurrent loans | 81.0721% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 3.9512% | 1,091 |
| Noncurrent loans to loans | 2.7393% | 1,934 |
| Net loans and leases to total assets | 77.7353% | 706 |
| Net loans and leases to deposits | 99.0081% | 457 |
| Net loans and leases to core deposits | 114.5328% | 397 |
| Total domestic deposits to total assets | 78.5141% | 5,985 |
| Equity capital to assets | 20.8966% | 187 |
| Core capital (leverage) ratio | 12.6758% | 1,247 |
| Tier 1 risk-based capital ratio | 14.5326% | 4,009 |
| Total risk-based capital ratio | 15.7949% | 3,952 |
| Memoranda: | ||
| Average total assets | $606,371,600 | 1,094 |
| Average earning assets | $510,309,400 | 1,189 |
| Average equity | $125,421,800 | 574 |
| Average total loans | $476,758,600 | 859 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 1,589 |
| Cost of funding earning assets | 0.7530% | 3,328 |
| Net interest margin | 4.2842% | 1,523 |
| Noninterest income to average assets | 0.4466% | 4,320 |
| Noninterest expense to average assets | 2.5328% | 4,978 |
| Loan and lease loss provision to assets | 0.4922% | 1,251 |
| Net operating income to assets | 0.6344% | 4,218 |
| Return on assets (ROA) | 0.6344% | 4,471 |
| Pretax return on assets | 1.0349% | 3,584 |
| Return on Equity (ROE) | 3.0751% | 5,652 |
| Retained earnings to average equity (ytd only) | 3.0751% | 4,709 |
| Net charge-offs to loans | 0.7145% | 1,545 |
| Credit loss provision to net charge-offs | 87.8538% | 3,364 |
| Earnings coverage of net charge-offs (x) | 2.7260% | 3,944 |
| Efficiency ratio | 61.1217% | 5,298 |
| Assets per employee ($millions) | 5.5012% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2175% | 1,678 |
| Loan loss allowance to noncurrent loans | 54.8387% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 4.7618% | 948 |
| Noncurrent loans to loans | 4.0437% | 1,259 |
| Net loans and leases to total assets | 76.1855% | 950 |
| Net loans and leases to deposits | 97.6868% | 563 |
| Net loans and leases to core deposits | 114.9259% | 407 |
| Total domestic deposits to total assets | 77.9896% | 6,079 |
| Equity capital to assets | 20.8966% | 207 |
| Core capital (leverage) ratio | 12.6151% | 1,357 |
| Tier 1 risk-based capital ratio | 14.5386% | 4,161 |
| Total risk-based capital ratio | 15.8006% | 4,115 |
| Memoranda: | ||
| Average total assets | $605,490,250 | 1,105 |
| Average earning assets | $510,674,250 | 1,205 |
| Average equity | $124,915,250 | 578 |
| Average total loans | $474,730,000 | 872 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0379% | 1,694 |
| Cost of funding earning assets | 0.7718% | 3,433 |
| Net interest margin | 4.2661% | 1,563 |
| Noninterest income to average assets | 0.4197% | 4,505 |
| Noninterest expense to average assets | 2.5515% | 4,956 |
| Loan and lease loss provision to assets | 0.4874% | 1,302 |
| Net operating income to assets | 0.6007% | 4,367 |
| Return on assets (ROA) | 0.6007% | 4,620 |
| Pretax return on assets | 0.9788% | 3,791 |
| Return on Equity (ROE) | 2.9244% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.9244% | 4,688 |
| Net charge-offs to loans | 0.7297% | 1,517 |
| Credit loss provision to net charge-offs | 85.0230% | 3,183 |
| Earnings coverage of net charge-offs (x) | 2.5576% | 3,733 |
| Efficiency ratio | 62.1897% | 5,215 |
| Assets per employee ($millions) | 5.5017% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1999% | 1,768 |
| Loan loss allowance to noncurrent loans | 60.4895% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 4.6844% | 1,033 |
| Noncurrent loans to loans | 3.6368% | 1,572 |
| Net loans and leases to total assets | 77.8703% | 739 |
| Net loans and leases to deposits | 99.7963% | 427 |
| Net loans and leases to core deposits | 117.6128% | 353 |
| Total domestic deposits to total assets | 78.0292% | 6,151 |
| Equity capital to assets | 20.8977% | 204 |
| Core capital (leverage) ratio | 12.3264% | 1,432 |
| Tier 1 risk-based capital ratio | 14.0719% | 4,391 |
| Total risk-based capital ratio | 15.3346% | 4,344 |
| Memoranda: | ||
| Average total assets | $605,610,000 | 1,102 |
| Average earning assets | $510,772,330 | 1,205 |
| Average equity | $124,403,000 | 577 |
| Average total loans | $475,814,330 | 869 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9542% | 2,058 |
| Cost of funding earning assets | 0.7986% | 3,485 |
| Net interest margin | 4.1556% | 1,916 |
| Noninterest income to average assets | 0.4759% | 4,097 |
| Noninterest expense to average assets | 2.5561% | 4,973 |
| Loan and lease loss provision to assets | 0.4680% | 1,312 |
| Net operating income to assets | 0.5929% | 4,378 |
| Return on assets (ROA) | 0.5929% | 4,595 |
| Pretax return on assets | 0.9642% | 3,814 |
| Return on Equity (ROE) | 2.9110% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.9110% | 4,798 |
| Net charge-offs to loans | 0.5061% | 1,821 |
| Credit loss provision to net charge-offs | 118.4692% | 2,003 |
| Earnings coverage of net charge-offs (x) | 3.6256% | 2,790 |
| Efficiency ratio | 62.7060% | 5,150 |
| Assets per employee ($millions) | 5.5921% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3053% | 1,665 |
| Loan loss allowance to noncurrent loans | 51.6161% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 5.1758% | 986 |
| Noncurrent loans to loans | 4.4663% | 1,315 |
| Net loans and leases to total assets | 75.6073% | 848 |
| Net loans and leases to deposits | 95.6732% | 558 |
| Net loans and leases to core deposits | 112.0957% | 466 |
| Total domestic deposits to total assets | 79.0266% | 6,064 |
| Equity capital to assets | 20.4051% | 210 |
| Core capital (leverage) ratio | 12.1862% | 1,484 |
| Tier 1 risk-based capital ratio | 14.0296% | 4,455 |
| Total risk-based capital ratio | 15.2926% | 4,406 |
| Memoranda: | ||
| Average total assets | $608,571,500 | 1,093 |
| Average earning assets | $514,396,000 | 1,199 |
| Average equity | $123,944,000 | 580 |
| Average total loans | $474,980,500 | 867 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1915% | 2,098 |
| Cost of funding earning assets | 0.9304% | 3,874 |
| Net interest margin | 4.2611% | 1,838 |
| Noninterest income to average assets | 0.3530% | 4,980 |
| Noninterest expense to average assets | 2.5665% | 5,215 |
| Loan and lease loss provision to assets | 0.7213% | 1,419 |
| Net operating income to assets | 0.4058% | 4,835 |
| Return on assets (ROA) | 0.4058% | 5,014 |
| Pretax return on assets | 0.6587% | 4,480 |
| Return on Equity (ROE) | 2.0195% | 5,654 |
| Retained earnings to average equity (ytd only) | 2.0195% | 4,777 |
| Net charge-offs to loans | 1.0201% | 1,710 |
| Credit loss provision to net charge-offs | 89.4748% | 4,031 |
| Earnings coverage of net charge-offs (x) | 1.7119% | 4,495 |
| Efficiency ratio | 63.6394% | 5,189 |
| Assets per employee ($millions) | 5.4739% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2508% | 1,710 |
| Loan loss allowance to noncurrent loans | 39.2976% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 5.5611% | 918 |
| Noncurrent loans to loans | 5.7276% | 900 |
| Net loans and leases to total assets | 76.9360% | 834 |
| Net loans and leases to deposits | 96.9750% | 627 |
| Net loans and leases to core deposits | 113.9584% | 501 |
| Total domestic deposits to total assets | 79.3359% | 5,908 |
| Equity capital to assets | 20.3275% | 213 |
| Core capital (leverage) ratio | 11.9951% | 1,595 |
| Tier 1 risk-based capital ratio | 13.8280% | 4,463 |
| Total risk-based capital ratio | 15.0902% | 4,405 |
| Memoranda: | ||
| Average total assets | $609,356,200 | 1,073 |
| Average earning assets | $513,883,400 | 1,170 |
| Average equity | $122,453,200 | 568 |
| Average total loans | $481,502,600 | 868 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2381% | 2,068 |
| Cost of funding earning assets | 0.9572% | 3,987 |
| Net interest margin | 4.2809% | 1,788 |
| Noninterest income to average assets | 0.3201% | 5,309 |
| Noninterest expense to average assets | 2.5818% | 5,143 |
| Loan and lease loss provision to assets | 0.4896% | 2,028 |
| Net operating income to assets | 0.5252% | 4,430 |
| Return on assets (ROA) | 0.5252% | 4,610 |
| Pretax return on assets | 0.8543% | 3,933 |
| Return on Equity (ROE) | 2.6210% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.6210% | 4,793 |
| Net charge-offs to loans | 0.8536% | 1,863 |
| Credit loss provision to net charge-offs | 72.5065% | 4,398 |
| Earnings coverage of net charge-offs (x) | 1.9903% | 4,158 |
| Efficiency ratio | 64.3701% | 5,001 |
| Assets per employee ($millions) | 5.3793% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1731% | 1,918 |
| Loan loss allowance to noncurrent loans | 39.9495% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 5.3944% | 1,042 |
| Noncurrent loans to loans | 5.4397% | 1,095 |
| Net loans and leases to total assets | 77.2576% | 805 |
| Net loans and leases to deposits | 97.6729% | 593 |
| Net loans and leases to core deposits | 119.1048% | 415 |
| Total domestic deposits to total assets | 79.0984% | 5,964 |
| Equity capital to assets | 20.3071% | 234 |
| Core capital (leverage) ratio | 11.9710% | 1,723 |
| Tier 1 risk-based capital ratio | 13.6963% | 4,579 |
| Total risk-based capital ratio | 14.9580% | 4,536 |
| Memoranda: | ||
| Average total assets | $609,795,250 | 1,078 |
| Average earning assets | $513,581,750 | 1,178 |
| Average equity | $122,189,000 | 571 |
| Average total loans | $482,321,500 | 880 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2726% | 1,984 |
| Cost of funding earning assets | 0.9722% | 4,154 |
| Net interest margin | 4.3005% | 1,647 |
| Noninterest income to average assets | 0.3293% | 5,256 |
| Noninterest expense to average assets | 2.6027% | 5,169 |
| Loan and lease loss provision to assets | 0.4718% | 2,101 |
| Net operating income to assets | 0.5350% | 4,352 |
| Return on assets (ROA) | 0.5350% | 4,497 |
| Pretax return on assets | 0.8708% | 3,753 |
| Return on Equity (ROE) | 2.6820% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.6820% | 4,588 |
| Net charge-offs to loans | 0.7117% | 2,088 |
| Credit loss provision to net charge-offs | 83.7696% | 3,654 |
| Earnings coverage of net charge-offs (x) | 2.3839% | 3,627 |
| Efficiency ratio | 64.5740% | 5,135 |
| Assets per employee ($millions) | 5.3715% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3035% | 1,733 |
| Loan loss allowance to noncurrent loans | 49.1161% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 5.2064% | 1,166 |
| Noncurrent loans to loans | 4.6898% | 1,403 |
| Net loans and leases to total assets | 76.2033% | 1,050 |
| Net loans and leases to deposits | 95.9970% | 721 |
| Net loans and leases to core deposits | 117.9414% | 475 |
| Total domestic deposits to total assets | 79.3809% | 5,985 |
| Equity capital to assets | 20.0251% | 256 |
| Core capital (leverage) ratio | 11.8311% | 1,699 |
| Tier 1 risk-based capital ratio | 13.6257% | 4,435 |
| Total risk-based capital ratio | 14.8889% | 4,405 |
| Memoranda: | ||
| Average total assets | $610,441,330 | 1,085 |
| Average earning assets | $513,293,330 | 1,186 |
| Average equity | $121,772,670 | 576 |
| Average total loans | $483,079,330 | 893 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3087% | 1,844 |
| Cost of funding earning assets | 0.9836% | 4,319 |
| Net interest margin | 4.3251% | 1,485 |
| Noninterest income to average assets | 0.3242% | 5,327 |
| Noninterest expense to average assets | 2.5628% | 5,350 |
| Loan and lease loss provision to assets | 0.5067% | 1,715 |
| Net operating income to assets | 0.5467% | 4,284 |
| Return on assets (ROA) | 0.5467% | 4,368 |
| Pretax return on assets | 0.8880% | 3,547 |
| Return on Equity (ROE) | 2.7458% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.7458% | 4,524 |
| Net charge-offs to loans | 0.3129% | 2,797 |
| Credit loss provision to net charge-offs | 203.1579% | 1,463 |
| Earnings coverage of net charge-offs (x) | 5.5921% | 2,249 |
| Efficiency ratio | 63.3665% | 5,464 |
| Assets per employee ($millions) | 5.1763% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4131% | 1,590 |
| Loan loss allowance to noncurrent loans | 39.6636% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 6.2471% | 909 |
| Noncurrent loans to loans | 6.0840% | 1,034 |
| Net loans and leases to total assets | 77.9445% | 734 |
| Net loans and leases to deposits | 98.3759% | 554 |
| Net loans and leases to core deposits | 121.4934% | 390 |
| Total domestic deposits to total assets | 79.2313% | 6,135 |
| Equity capital to assets | 20.1038% | 255 |
| Core capital (leverage) ratio | 11.6934% | 1,743 |
| Tier 1 risk-based capital ratio | 13.2626% | 4,607 |
| Total risk-based capital ratio | 14.5273% | 4,573 |
| Memoranda: | ||
| Average total assets | $609,489,000 | 1,095 |
| Average earning assets | $511,987,000 | 1,200 |
| Average equity | $121,347,500 | 576 |
| Average total loans | $485,804,000 | 900 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2974% | 3,142 |
| Cost of funding earning assets | 1.1849% | 4,650 |
| Net interest margin | 4.1125% | 2,512 |
| Noninterest income to average assets | 0.3691% | 5,148 |
| Noninterest expense to average assets | 2.5608% | 5,575 |
| Loan and lease loss provision to assets | 0.9502% | 1,712 |
| Net operating income to assets | 0.1924% | 5,289 |
| Return on assets (ROA) | 0.1924% | 5,463 |
| Pretax return on assets | 0.3126% | 5,196 |
| Return on Equity (ROE) | 0.9822% | 5,700 |
| Retained earnings to average equity (ytd only) | 0.9822% | 5,049 |
| Net charge-offs to loans | 1.2919% | 1,726 |
| Credit loss provision to net charge-offs | 92.7793% | 4,998 |
| Earnings coverage of net charge-offs (x) | 1.2331% | 4,870 |
| Efficiency ratio | 65.3618% | 5,094 |
| Assets per employee ($millions) | 5.1113% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3122% | 1,673 |
| Loan loss allowance to noncurrent loans | 36.9845% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 6.4973% | 875 |
| Noncurrent loans to loans | 6.2519% | 979 |
| Net loans and leases to total assets | 77.7044% | 990 |
| Net loans and leases to deposits | 99.1401% | 630 |
| Net loans and leases to core deposits | 123.2511% | 442 |
| Total domestic deposits to total assets | 78.3784% | 6,240 |
| Equity capital to assets | 19.7181% | 271 |
| Core capital (leverage) ratio | 11.2890% | 1,959 |
| Tier 1 risk-based capital ratio | 13.0109% | 4,591 |
| Total risk-based capital ratio | 14.2743% | 4,542 |
| Memoranda: | ||
| Average total assets | $618,005,600 | 1,080 |
| Average earning assets | $519,127,200 | 1,185 |
| Average equity | $121,049,200 | 561 |
| Average total loans | $489,893,400 | 915 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2874% | 3,410 |
| Cost of funding earning assets | 1.2082% | 4,819 |
| Net interest margin | 4.0792% | 2,714 |
| Noninterest income to average assets | 0.4059% | 4,910 |
| Noninterest expense to average assets | 2.5621% | 5,461 |
| Loan and lease loss provision to assets | 0.4895% | 3,024 |
| Net operating income to assets | 0.4783% | 4,408 |
| Return on assets (ROA) | 0.4783% | 4,606 |
| Pretax return on assets | 0.7810% | 3,978 |
| Return on Equity (ROE) | 2.4458% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.4458% | 4,709 |
| Net charge-offs to loans | 0.6248% | 2,875 |
| Credit loss provision to net charge-offs | 98.9121% | 4,409 |
| Earnings coverage of net charge-offs (x) | 2.5675% | 3,872 |
| Efficiency ratio | 65.1815% | 5,020 |
| Assets per employee ($millions) | 5.1786% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4326% | 1,427 |
| Loan loss allowance to noncurrent loans | 37.5405% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 6.4826% | 880 |
| Noncurrent loans to loans | 6.4799% | 920 |
| Net loans and leases to total assets | 76.2336% | 1,361 |
| Net loans and leases to deposits | 96.1504% | 963 |
| Net loans and leases to core deposits | 121.9649% | 557 |
| Total domestic deposits to total assets | 79.2858% | 5,937 |
| Equity capital to assets | 19.8162% | 296 |
| Core capital (leverage) ratio | 11.4869% | 1,945 |
| Tier 1 risk-based capital ratio | 13.2914% | 4,362 |
| Total risk-based capital ratio | 14.5562% | 4,317 |
| Memoranda: | ||
| Average total assets | $619,169,250 | 1,081 |
| Average earning assets | $520,118,750 | 1,189 |
| Average equity | $121,076,250 | 556 |
| Average total loans | $490,396,250 | 924 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3160% | 3,387 |
| Cost of funding earning assets | 1.2146% | 5,045 |
| Net interest margin | 4.1014% | 2,552 |
| Noninterest income to average assets | 0.4276% | 4,694 |
| Noninterest expense to average assets | 2.4920% | 5,742 |
| Loan and lease loss provision to assets | 0.4921% | 2,833 |
| Net operating income to assets | 0.5428% | 4,128 |
| Return on assets (ROA) | 0.5428% | 4,278 |
| Pretax return on assets | 0.8869% | 3,551 |
| Return on Equity (ROE) | 2.7881% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.7881% | 4,362 |
| Net charge-offs to loans | 0.4824% | 3,095 |
| Credit loss provision to net charge-offs | 128.2353% | 3,135 |
| Earnings coverage of net charge-offs (x) | 3.5933% | 3,253 |
| Efficiency ratio | 62.6010% | 5,593 |
| Assets per employee ($millions) | 5.2943% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5033% | 1,295 |
| Loan loss allowance to noncurrent loans | 39.9312% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 5.9884% | 983 |
| Noncurrent loans to loans | 6.2691% | 981 |
| Net loans and leases to total assets | 76.5701% | 1,376 |
| Net loans and leases to deposits | 96.3955% | 1,010 |
| Net loans and leases to core deposits | 124.0548% | 569 |
| Total domestic deposits to total assets | 79.4333% | 5,908 |
| Equity capital to assets | 19.7955% | 294 |
| Core capital (leverage) ratio | 11.4774% | 1,927 |
| Tier 1 risk-based capital ratio | 13.2461% | 4,255 |
| Total risk-based capital ratio | 14.5120% | 4,199 |
| Memoranda: | ||
| Average total assets | $620,143,000 | 1,085 |
| Average earning assets | $520,652,670 | 1,188 |
| Average equity | $120,729,330 | 552 |
| Average total loans | $493,361,330 | 924 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4319% | 2,889 |
| Cost of funding earning assets | 1.2459% | 5,139 |
| Net interest margin | 4.1860% | 2,104 |
| Noninterest income to average assets | 0.4949% | 4,088 |
| Noninterest expense to average assets | 2.4803% | 5,804 |
| Loan and lease loss provision to assets | 0.4891% | 2,543 |
| Net operating income to assets | 0.6252% | 3,777 |
| Return on assets (ROA) | 0.6252% | 3,906 |
| Pretax return on assets | 1.0193% | 3,015 |
| Return on Equity (ROE) | 3.2384% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.2384% | 4,207 |
| Net charge-offs to loans | 0.6262% | 2,255 |
| Credit loss provision to net charge-offs | 97.5672% | 3,498 |
| Earnings coverage of net charge-offs (x) | 3.0090% | 3,048 |
| Efficiency ratio | 60.0901% | 6,156 |
| Assets per employee ($millions) | 5.2137% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 1,456 |
| Loan loss allowance to noncurrent loans | 41.2438% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 5.7025% | 1,071 |
| Noncurrent loans to loans | 5.7561% | 1,178 |
| Net loans and leases to total assets | 78.3319% | 1,087 |
| Net loans and leases to deposits | 98.3273% | 879 |
| Net loans and leases to core deposits | 125.3390% | 603 |
| Total domestic deposits to total assets | 79.6644% | 5,896 |
| Equity capital to assets | 19.6350% | 304 |
| Core capital (leverage) ratio | 11.1825% | 2,105 |
| Tier 1 risk-based capital ratio | 12.8058% | 4,473 |
| Total risk-based capital ratio | 14.0700% | 4,438 |
| Memoranda: | ||
| Average total assets | $623,145,000 | 1,107 |
| Average earning assets | $520,116,500 | 1,217 |
| Average equity | $120,308,000 | 560 |
| Average total loans | $498,881,500 | 942 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3219% | 5,074 |
| Cost of funding earning assets | 1.8625% | 3,661 |
| Net interest margin | 3.4594% | 5,130 |
| Noninterest income to average assets | 0.3379% | 5,672 |
| Noninterest expense to average assets | 2.6144% | 5,742 |
| Loan and lease loss provision to assets | 1.5335% | 1,501 |
| Net operating income to assets | -0.5209% | 6,205 |
| Return on assets (ROA) | -0.5135% | 6,186 |
| Pretax return on assets | -0.8407% | 6,299 |
| Return on Equity (ROE) | -2.8374% | 5,961 |
| Retained earnings to average equity (ytd only) | -2.8374% | 5,670 |
| Net charge-offs to loans | 1.4363% | 1,746 |
| Credit loss provision to net charge-offs | 131.5665% | 3,842 |
| Earnings coverage of net charge-offs (x) | 0.5844% | 5,517 |
| Efficiency ratio | 77.0916% | 3,349 |
| Assets per employee ($millions) | 5.2589% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3284% | 1,435 |
| Loan loss allowance to noncurrent loans | 44.7009% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 5.0880% | 1,196 |
| Noncurrent loans to loans | 5.2087% | 1,268 |
| Net loans and leases to total assets | 78.0250% | 1,377 |
| Net loans and leases to deposits | 97.4370% | 1,163 |
| Net loans and leases to core deposits | 147.7045% | 565 |
| Total domestic deposits to total assets | 80.0774% | 5,650 |
| Equity capital to assets | 18.9864% | 367 |
| Core capital (leverage) ratio | 10.7442% | 2,390 |
| Tier 1 risk-based capital ratio | 12.3101% | 4,674 |
| Total risk-based capital ratio | 13.5737% | 4,618 |
| Memoranda: | ||
| Average total assets | $653,946,200 | 1,060 |
| Average earning assets | $559,086,600 | 1,127 |
| Average equity | $118,349,800 | 558 |
| Average total loans | $530,668,800 | 900 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2643% | 5,602 |
| Cost of funding earning assets | 1.9515% | 3,613 |
| Net interest margin | 3.3128% | 5,595 |
| Noninterest income to average assets | 0.2710% | 6,292 |
| Noninterest expense to average assets | 2.5920% | 5,740 |
| Loan and lease loss provision to assets | 1.9124% | 959 |
| Net operating income to assets | -0.8969% | 6,761 |
| Return on assets (ROA) | -0.8869% | 6,759 |
| Pretax return on assets | -1.3637% | 6,892 |
| Return on Equity (ROE) | -4.9588% | 6,447 |
| Retained earnings to average equity (ytd only) | -4.9588% | 6,251 |
| Net charge-offs to loans | 1.5829% | 1,292 |
| Credit loss provision to net charge-offs | 148.3305% | 3,252 |
| Earnings coverage of net charge-offs (x) | 0.4137% | 5,618 |
| Efficiency ratio | 80.6053% | 2,758 |
| Assets per employee ($millions) | 5.1513% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3428% | 1,245 |
| Loan loss allowance to noncurrent loans | 39.8044% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 5.8540% | 938 |
| Noncurrent loans to loans | 5.8858% | 1,022 |
| Net loans and leases to total assets | 81.0166% | 973 |
| Net loans and leases to deposits | 102.5282% | 884 |
| Net loans and leases to core deposits | 148.4735% | 617 |
| Total domestic deposits to total assets | 79.0189% | 5,796 |
| Equity capital to assets | 18.6098% | 457 |
| Core capital (leverage) ratio | 10.2356% | 3,035 |
| Tier 1 risk-based capital ratio | 11.7071% | 5,239 |
| Total risk-based capital ratio | 12.9714% | 5,167 |
| Memoranda: | ||
| Average total assets | $659,664,500 | 1,065 |
| Average earning assets | $568,368,000 | 1,124 |
| Average equity | $117,982,750 | 568 |
| Average total loans | $537,302,750 | 904 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1682% | 6,200 |
| Cost of funding earning assets | 2.0162% | 3,698 |
| Net interest margin | 3.1521% | 6,083 |
| Noninterest income to average assets | 0.2433% | 6,542 |
| Noninterest expense to average assets | 2.5858% | 5,794 |
| Loan and lease loss provision to assets | 1.1167% | 1,538 |
| Net operating income to assets | -0.4794% | 6,530 |
| Return on assets (ROA) | -0.4794% | 6,539 |
| Pretax return on assets | -0.7368% | 6,632 |
| Return on Equity (ROE) | -2.7157% | 6,326 |
| Retained earnings to average equity (ytd only) | -2.7157% | 5,912 |
| Net charge-offs to loans | 1.2732% | 1,455 |
| Credit loss provision to net charge-offs | 108.3236% | 4,271 |
| Earnings coverage of net charge-offs (x) | 0.3685% | 5,313 |
| Efficiency ratio | 84.7142% | 2,393 |
| Assets per employee ($millions) | 4.9312% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 2,033 |
| Loan loss allowance to noncurrent loans | 40.1788% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 4.1550% | 1,390 |
| Noncurrent loans to loans | 4.4907% | 1,432 |
| Net loans and leases to total assets | 79.2157% | 1,481 |
| Net loans and leases to deposits | 98.3497% | 1,477 |
| Net loans and leases to core deposits | 136.9646% | 1,160 |
| Total domestic deposits to total assets | 80.5449% | 5,254 |
| Equity capital to assets | 18.3906% | 515 |
| Core capital (leverage) ratio | 10.1624% | 3,135 |
| Tier 1 risk-based capital ratio | 12.0274% | 4,895 |
| Total risk-based capital ratio | 13.2846% | 4,813 |
| Memoranda: | ||
| Average total assets | $666,631,000 | 1,061 |
| Average earning assets | $575,748,670 | 1,130 |
| Average equity | $117,686,000 | 577 |
| Average total loans | $539,763,330 | 922 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 6,880 |
| Cost of funding earning assets | 2.1432% | 3,447 |
| Net interest margin | 2.8776% | 6,806 |
| Noninterest income to average assets | 0.3136% | 5,937 |
| Noninterest expense to average assets | 2.5432% | 5,674 |
| Loan and lease loss provision to assets | 0.2043% | 4,408 |
| Net operating income to assets | 0.0305% | 6,183 |
| Return on assets (ROA) | 0.0305% | 6,337 |
| Pretax return on assets | 0.0496% | 6,281 |
| Return on Equity (ROE) | 0.1762% | 6,366 |
| Retained earnings to average equity (ytd only) | 0.1762% | 5,585 |
| Net charge-offs to loans | 0.1355% | 3,875 |
| Credit loss provision to net charge-offs | 185.8696% | 2,356 |
| Earnings coverage of net charge-offs (x) | 2.3098% | 3,580 |
| Efficiency ratio | 88.1247% | 1,885 |
| Assets per employee ($millions) | 4.8432% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 1,909 |
| Loan loss allowance to noncurrent loans | 45.3655% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 3.5334% | 1,516 |
| Noncurrent loans to loans | 3.9157% | 1,556 |
| Net loans and leases to total assets | 76.3017% | 2,205 |
| Net loans and leases to deposits | 93.6582% | 2,334 |
| Net loans and leases to core deposits | 125.2662% | 1,974 |
| Total domestic deposits to total assets | 81.4683% | 4,758 |
| Equity capital to assets | 17.9251% | 612 |
| Core capital (leverage) ratio | 10.8684% | 2,606 |
| Tier 1 risk-based capital ratio | 12.3149% | 4,693 |
| Total risk-based capital ratio | 13.5719% | 4,605 |
| Memoranda: | ||
| Average total assets | $669,558,000 | 1,056 |
| Average earning assets | $577,836,000 | 1,128 |
| Average equity | $115,768,500 | 580 |
| Average total loans | $543,116,500 | 925 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2956% | 3,981 |
| Cost of funding earning assets | 2.6877% | 3,219 |
| Net interest margin | 3.6079% | 4,849 |
| Noninterest income to average assets | 0.3982% | 5,483 |
| Noninterest expense to average assets | 2.9261% | 4,353 |
| Loan and lease loss provision to assets | 1.3616% | 1,028 |
| Net operating income to assets | -0.5347% | 6,945 |
| Return on assets (ROA) | -0.5347% | 6,827 |
| Pretax return on assets | -0.8193% | 6,890 |
| Return on Equity (ROE) | -3.1141% | 6,635 |
| Retained earnings to average equity (ytd only) | -3.1141% | 6,136 |
| Net charge-offs to loans | 1.0609% | 1,157 |
| Credit loss provision to net charge-offs | 154.8538% | 3,370 |
| Earnings coverage of net charge-offs (x) | 0.6167% | 5,854 |
| Efficiency ratio | 81.9625% | 2,306 |
| Assets per employee ($millions) | 4.4615% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 1,938 |
| Loan loss allowance to noncurrent loans | 60.5502% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 2.7029% | 1,753 |
| Noncurrent loans to loans | 2.7921% | 1,948 |
| Net loans and leases to total assets | 83.3087% | 991 |
| Net loans and leases to deposits | 102.2690% | 1,558 |
| Net loans and leases to core deposits | 137.7655% | 1,385 |
| Total domestic deposits to total assets | 81.4603% | 4,426 |
| Equity capital to assets | 16.6201% | 825 |
| Core capital (leverage) ratio | 8.4297% | 5,697 |
| Tier 1 risk-based capital ratio | 9.3146% | 7,508 |
| Total risk-based capital ratio | 10.5709% | 7,422 |
| Memoranda: | ||
| Average total assets | $630,267,200 | 1,063 |
| Average earning assets | $536,324,000 | 1,149 |
| Average equity | $108,215,800 | 627 |
| Average total loans | $522,377,000 | 905 |