Home > Choice Financial Group > Performance and Condition Ratios
Choice Financial Group, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8621% | 755 |
| Cost of funding earning assets | 2.7550% | 225 |
| Net interest margin | 3.1071% | 3,085 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 2.0390% | 3,530 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.2713% | 1,491 |
| Return on assets (ROA) | 1.2775% | 1,450 |
| Pretax return on assets | 1.6959% | 1,074 |
| Return on Equity (ROE) | 13.3500% | 1,642 |
| Retained earnings to average equity (ytd only) | 9.4573% | 1,141 |
| Net charge-offs to loans | -0.0009% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.2367% | 3,887 |
| Assets per employee ($millions) | 10.4261% | 630 |
| Cash dividends to net income (ytd only)* | 29.1731% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,089 |
| Loan loss allowance to noncurrent loans | 216.6854% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 1,531 |
| Noncurrent loans to loans | 0.5701% | 1,373 |
| Net loans and leases to total assets | 62.0200% | 2,673 |
| Net loans and leases to deposits | 69.6299% | 2,914 |
| Net loans and leases to core deposits | 72.2022% | 3,177 |
| Total domestic deposits to total assets | 89.0700% | 1,046 |
| Equity capital to assets | 10.1565% | 1,914 |
| Core capital (leverage) ratio | 9.3545% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $4,841,519,000 | 282 |
| Average earning assets | $4,585,207,000 | 268 |
| Average equity | $463,188,600 | 283 |
| Average total loans | $2,979,497,000 | 300 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7327% | 756 |
| Cost of funding earning assets | 2.6094% | 236 |
| Net interest margin | 3.1233% | 3,097 |
| Noninterest income to average assets | 0.9700% | 676 |
| Noninterest expense to average assets | 1.9865% | 3,625 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.4021% | 1,313 |
| Return on assets (ROA) | 1.4044% | 1,296 |
| Pretax return on assets | 1.8979% | 862 |
| Return on Equity (ROE) | 14.9200% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.2422% | 1,119 |
| Net charge-offs to loans | -0.0317% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.5320% | 3,948 |
| Assets per employee ($millions) | 10.6908% | 551 |
| Cash dividends to net income (ytd only)* | 24.6722% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,082 |
| Loan loss allowance to noncurrent loans | 166.0220% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 1,477 |
| Noncurrent loans to loans | 0.6374% | 1,281 |
| Net loans and leases to total assets | 60.5600% | 2,787 |
| Net loans and leases to deposits | 67.4280% | 3,016 |
| Net loans and leases to core deposits | 73.0665% | 3,052 |
| Total domestic deposits to total assets | 89.8200% | 983 |
| Equity capital to assets | 9.6976% | 1,995 |
| Core capital (leverage) ratio | 9.0251% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $4,808,350,250 | 284 |
| Average earning assets | $4,557,104,750 | 272 |
| Average equity | $452,472,500 | 289 |
| Average total loans | $2,943,610,250 | 307 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4758% | 866 |
| Cost of funding earning assets | 2.3252% | 263 |
| Net interest margin | 3.1507% | 3,102 |
| Noninterest income to average assets | 1.0300% | 539 |
| Noninterest expense to average assets | 1.9095% | 3,798 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.5304% | 1,052 |
| Return on assets (ROA) | 1.5348% | 1,039 |
| Pretax return on assets | 2.0571% | 682 |
| Return on Equity (ROE) | 16.4600% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.1290% | 789 |
| Net charge-offs to loans | -0.0082% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.6863% | 4,130 |
| Assets per employee ($millions) | 10.9527% | 514 |
| Cash dividends to net income (ytd only)* | 20.2159% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,241 |
| Loan loss allowance to noncurrent loans | 155.5002% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 1,345 |
| Noncurrent loans to loans | 0.6691% | 1,116 |
| Net loans and leases to total assets | 58.7700% | 2,888 |
| Net loans and leases to deposits | 65.2514% | 3,105 |
| Net loans and leases to core deposits | 66.9472% | 3,292 |
| Total domestic deposits to total assets | 90.0700% | 908 |
| Equity capital to assets | 9.5591% | 2,122 |
| Core capital (leverage) ratio | 9.2150% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $4,732,677,667 | 278 |
| Average earning assets | $4,479,897,333 | 268 |
| Average equity | $441,405,333 | 287 |
| Average total loans | $2,897,384,333 | 299 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 988 |
| Cost of funding earning assets | 1.9308% | 341 |
| Net interest margin | 3.2435% | 3,007 |
| Noninterest income to average assets | 1.1400% | 475 |
| Noninterest expense to average assets | 1.8689% | 3,919 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.6856% | 845 |
| Return on assets (ROA) | 1.6895% | 833 |
| Pretax return on assets | 2.2424% | 532 |
| Return on Equity (ROE) | 18.3700% | 977 |
| Retained earnings to average equity (ytd only) | 15.1405% | 785 |
| Net charge-offs to loans | -0.0065% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.5617% | 4,321 |
| Assets per employee ($millions) | 11.2323% | 488 |
| Cash dividends to net income (ytd only)* | 17.5664% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,059 |
| Loan loss allowance to noncurrent loans | 204.3658% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 1,626 |
| Noncurrent loans to loans | 0.5381% | 1,377 |
| Net loans and leases to total assets | 56.8200% | 2,977 |
| Net loans and leases to deposits | 62.8103% | 3,177 |
| Net loans and leases to core deposits | 64.6648% | 3,308 |
| Total domestic deposits to total assets | 90.4600% | 992 |
| Equity capital to assets | 9.0534% | 2,476 |
| Core capital (leverage) ratio | 9.2944% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $4,574,411,500 | 296 |
| Average earning assets | $4,317,845,000 | 283 |
| Average equity | $420,779,000 | 303 |
| Average total loans | $2,846,740,000 | 310 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 786 |
| Cost of funding earning assets | 0.5374% | 1,175 |
| Net interest margin | 3.9195% | 916 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 2.3516% | 2,575 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.8413% | 396 |
| Return on assets (ROA) | 1.8390% | 383 |
| Pretax return on assets | 2.4618% | 216 |
| Return on Equity (ROE) | 16.7900% | 900 |
| Retained earnings to average equity (ytd only) | 11.2384% | 833 |
| Net charge-offs to loans | -0.0147% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.1619% | 4,292 |
| Assets per employee ($millions) | 9.8811% | 702 |
| Cash dividends to net income (ytd only)* | 33.0586% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 3,729 |
| Loan loss allowance to noncurrent loans | 421.0934% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 2,512 |
| Noncurrent loans to loans | 0.2163% | 2,409 |
| Net loans and leases to total assets | 67.1800% | 1,912 |
| Net loans and leases to deposits | 74.5115% | 2,217 |
| Net loans and leases to core deposits | 78.2225% | 2,257 |
| Total domestic deposits to total assets | 90.1600% | 1,286 |
| Equity capital to assets | 9.3673% | 2,099 |
| Core capital (leverage) ratio | 9.4397% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $3,397,997,200 | 353 |
| Average earning assets | $3,163,721,200 | 343 |
| Average equity | $372,213,600 | 329 |
| Average total loans | $2,606,220,000 | 311 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 785 |
| Cost of funding earning assets | 0.2555% | 2,649 |
| Net interest margin | 4.0128% | 626 |
| Noninterest income to average assets | 1.2300% | 490 |
| Noninterest expense to average assets | 2.4286% | 2,231 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.8588% | 380 |
| Return on assets (ROA) | 1.8536% | 373 |
| Pretax return on assets | 2.4608% | 223 |
| Return on Equity (ROE) | 16.1500% | 949 |
| Retained earnings to average equity (ytd only) | 11.9507% | 806 |
| Net charge-offs to loans | -0.0201% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.8650% | 4,279 |
| Assets per employee ($millions) | 8.1651% | 1,234 |
| Cash dividends to net income (ytd only)* | 25.9859% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 3,747 |
| Loan loss allowance to noncurrent loans | 350.8565% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 2,057 |
| Noncurrent loans to loans | 0.2676% | 2,306 |
| Net loans and leases to total assets | 80.4800% | 493 |
| Net loans and leases to deposits | 91.3758% | 803 |
| Net loans and leases to core deposits | 95.9610% | 1,001 |
| Total domestic deposits to total assets | 88.0800% | 2,405 |
| Equity capital to assets | 11.0692% | 1,152 |
| Core capital (leverage) ratio | 10.3945% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $3,190,223,250 | 373 |
| Average earning assets | $2,964,473,000 | 367 |
| Average equity | $366,228,750 | 335 |
| Average total loans | $2,540,988,000 | 312 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 841 |
| Cost of funding earning assets | 0.1672% | 3,353 |
| Net interest margin | 3.8917% | 619 |
| Noninterest income to average assets | 1.4055% | 367 |
| Noninterest expense to average assets | 2.4431% | 2,104 |
| Loan and lease loss provision to assets | 0.0670% | 1,412 |
| Net operating income to assets | 1.8708% | 287 |
| Return on assets (ROA) | 1.8630% | 286 |
| Pretax return on assets | 2.5040% | 165 |
| Return on Equity (ROE) | 16.0238% | 695 |
| Retained earnings to average equity (ytd only) | 11.3443% | 730 |
| Net charge-offs to loans | -0.0147% | 3,752 |
| Credit loss provision to net charge-offs | -576.9231% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4718% | 4,369 |
| Assets per employee ($millions) | 7.7855% | 1,423 |
| Cash dividends to net income (ytd only)* | 29.2035% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 3,763 |
| Loan loss allowance to noncurrent loans | 185.0831% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 1,243 |
| Noncurrent loans to loans | 0.5190% | 1,588 |
| Net loans and leases to total assets | 83.3558% | 212 |
| Net loans and leases to deposits | 96.3121% | 419 |
| Net loans and leases to core deposits | 99.9923% | 671 |
| Total domestic deposits to total assets | 86.5476% | 3,092 |
| Equity capital to assets | 11.7957% | 941 |
| Core capital (leverage) ratio | 10.4492% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,135,007,000 | 373 |
| Average earning assets | $2,914,955,667 | 366 |
| Average equity | $364,482,000 | 339 |
| Average total loans | $2,479,161,667 | 313 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 942 |
| Cost of funding earning assets | 0.1648% | 3,301 |
| Net interest margin | 3.7216% | 722 |
| Noninterest income to average assets | 1.8478% | 270 |
| Noninterest expense to average assets | 2.5117% | 1,858 |
| Loan and lease loss provision to assets | 0.0666% | 1,225 |
| Net operating income to assets | 2.0645% | 200 |
| Return on assets (ROA) | 2.0637% | 197 |
| Pretax return on assets | 2.7413% | 129 |
| Return on Equity (ROE) | 17.8783% | 353 |
| Retained earnings to average equity (ytd only) | 12.0537% | 596 |
| Net charge-offs to loans | -0.0094% | 3,564 |
| Credit loss provision to net charge-offs | -921.0526% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1245% | 4,491 |
| Assets per employee ($millions) | 7.9863% | 1,383 |
| Cash dividends to net income (ytd only)* | 32.5793% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,767 |
| Loan loss allowance to noncurrent loans | 202.3468% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 1,575 |
| Noncurrent loans to loans | 0.4900% | 1,802 |
| Net loans and leases to total assets | 77.6305% | 402 |
| Net loans and leases to deposits | 88.3891% | 601 |
| Net loans and leases to core deposits | 96.4542% | 636 |
| Total domestic deposits to total assets | 87.8282% | 2,611 |
| Equity capital to assets | 11.6515% | 1,073 |
| Core capital (leverage) ratio | 9.8673% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,153,201,000 | 372 |
| Average earning assets | $2,942,462,000 | 367 |
| Average equity | $363,971,000 | 347 |
| Average total loans | $2,414,777,500 | 316 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 1,133 |
| Cost of funding earning assets | 0.2628% | 2,777 |
| Net interest margin | 3.8528% | 918 |
| Noninterest income to average assets | 1.0487% | 922 |
| Noninterest expense to average assets | 2.3951% | 2,505 |
| Loan and lease loss provision to assets | 0.1621% | 727 |
| Net operating income to assets | 1.5753% | 868 |
| Return on assets (ROA) | 1.5870% | 876 |
| Pretax return on assets | 2.1338% | 464 |
| Return on Equity (ROE) | 14.1088% | 1,151 |
| Retained earnings to average equity (ytd only) | 10.6308% | 776 |
| Net charge-offs to loans | 0.0592% | 1,196 |
| Credit loss provision to net charge-offs | 361.0503% | 967 |
| Earnings coverage of net charge-offs (x) | 50.8169% | 1,287 |
| Efficiency ratio | 49.9797% | 4,283 |
| Assets per employee ($millions) | 7.8801% | 1,398 |
| Cash dividends to net income (ytd only)* | 24.6513% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,725 |
| Loan loss allowance to noncurrent loans | 395.5987% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 2,523 |
| Noncurrent loans to loans | 0.2542% | 2,706 |
| Net loans and leases to total assets | 74.0205% | 666 |
| Net loans and leases to deposits | 85.6218% | 817 |
| Net loans and leases to core deposits | 89.5485% | 991 |
| Total domestic deposits to total assets | 86.4505% | 2,734 |
| Equity capital to assets | 11.4353% | 1,541 |
| Core capital (leverage) ratio | 9.6919% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,054,358,600 | 368 |
| Average earning assets | $2,875,671,000 | 361 |
| Average equity | $343,559,000 | 361 |
| Average total loans | $2,317,417,000 | 322 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 1,247 |
| Cost of funding earning assets | 0.2808% | 2,788 |
| Net interest margin | 3.8442% | 1,031 |
| Noninterest income to average assets | 1.0136% | 1,050 |
| Noninterest expense to average assets | 2.3116% | 2,721 |
| Loan and lease loss provision to assets | 0.1586% | 697 |
| Net operating income to assets | 1.6263% | 968 |
| Return on assets (ROA) | 1.6386% | 988 |
| Pretax return on assets | 2.1814% | 568 |
| Return on Equity (ROE) | 14.6319% | 1,214 |
| Retained earnings to average equity (ytd only) | 11.0717% | 1,050 |
| Net charge-offs to loans | 0.0271% | 1,503 |
| Credit loss provision to net charge-offs | 767.5906% | 606 |
| Earnings coverage of net charge-offs (x) | 112.4819% | 808 |
| Efficiency ratio | 48.5996% | 4,325 |
| Assets per employee ($millions) | 7.6087% | 1,504 |
| Cash dividends to net income (ytd only)* | 24.3318% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,797 |
| Loan loss allowance to noncurrent loans | 251.2415% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 2,160 |
| Noncurrent loans to loans | 0.4035% | 2,351 |
| Net loans and leases to total assets | 74.7975% | 628 |
| Net loans and leases to deposits | 86.6074% | 792 |
| Net loans and leases to core deposits | 94.3318% | 813 |
| Total domestic deposits to total assets | 86.3639% | 2,612 |
| Equity capital to assets | 11.5801% | 1,619 |
| Core capital (leverage) ratio | 9.5214% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,025,999,000 | 377 |
| Average earning assets | $2,851,418,250 | 369 |
| Average equity | $338,886,750 | 363 |
| Average total loans | $2,304,611,750 | 326 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 1,380 |
| Cost of funding earning assets | 0.2974% | 2,796 |
| Net interest margin | 3.7871% | 1,158 |
| Noninterest income to average assets | 1.0067% | 1,060 |
| Noninterest expense to average assets | 2.2952% | 2,781 |
| Loan and lease loss provision to assets | 0.1491% | 801 |
| Net operating income to assets | 1.5737% | 1,107 |
| Return on assets (ROA) | 1.5876% | 1,134 |
| Pretax return on assets | 2.1491% | 631 |
| Return on Equity (ROE) | 14.3405% | 1,323 |
| Retained earnings to average equity (ytd only) | 10.7191% | 1,190 |
| Net charge-offs to loans | 0.0587% | 1,026 |
| Credit loss provision to net charge-offs | 332.8402% | 851 |
| Earnings coverage of net charge-offs (x) | 50.9024% | 1,059 |
| Efficiency ratio | 48.8782% | 4,332 |
| Assets per employee ($millions) | 7.9329% | 1,241 |
| Cash dividends to net income (ytd only)* | 25.2526% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 3,945 |
| Loan loss allowance to noncurrent loans | 204.6918% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 2,055 |
| Noncurrent loans to loans | 0.4719% | 2,260 |
| Net loans and leases to total assets | 69.9546% | 1,202 |
| Net loans and leases to deposits | 80.0732% | 1,419 |
| Net loans and leases to core deposits | 95.3374% | 836 |
| Total domestic deposits to total assets | 87.3633% | 2,146 |
| Equity capital to assets | 10.7228% | 2,212 |
| Core capital (leverage) ratio | 9.1504% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,017,633,000 | 372 |
| Average earning assets | $2,843,943,000 | 364 |
| Average equity | $334,075,333 | 365 |
| Average total loans | $2,304,309,667 | 325 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 1,117 |
| Cost of funding earning assets | 0.3176% | 2,820 |
| Net interest margin | 3.9325% | 936 |
| Noninterest income to average assets | 1.0637% | 1,032 |
| Noninterest expense to average assets | 2.3436% | 2,667 |
| Loan and lease loss provision to assets | 0.1844% | 666 |
| Net operating income to assets | 1.6636% | 1,003 |
| Return on assets (ROA) | 1.6962% | 991 |
| Pretax return on assets | 2.2795% | 605 |
| Return on Equity (ROE) | 15.0629% | 1,192 |
| Retained earnings to average equity (ytd only) | 10.8168% | 1,442 |
| Net charge-offs to loans | 0.0045% | 1,756 |
| Credit loss provision to net charge-offs | 5,192.3077% | 110 |
| Earnings coverage of net charge-offs (x) | 682.0769% | 139 |
| Efficiency ratio | 47.9034% | 4,344 |
| Assets per employee ($millions) | 8.4883% | 992 |
| Cash dividends to net income (ytd only)* | 28.1894% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 4,103 |
| Loan loss allowance to noncurrent loans | 222.1490% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 2,288 |
| Noncurrent loans to loans | 0.4136% | 2,616 |
| Net loans and leases to total assets | 76.7450% | 563 |
| Net loans and leases to deposits | 88.2137% | 810 |
| Net loans and leases to core deposits | 94.4409% | 952 |
| Total domestic deposits to total assets | 86.9989% | 2,309 |
| Equity capital to assets | 11.0139% | 1,848 |
| Core capital (leverage) ratio | 9.4383% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,927,965,000 | 378 |
| Average earning assets | $2,756,829,500 | 373 |
| Average equity | $329,710,500 | 367 |
| Average total loans | $2,327,343,500 | 326 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 771 |
| Cost of funding earning assets | 0.6151% | 2,208 |
| Net interest margin | 4.1552% | 709 |
| Noninterest income to average assets | 1.0283% | 995 |
| Noninterest expense to average assets | 2.2718% | 3,485 |
| Loan and lease loss provision to assets | 0.2647% | 1,458 |
| Net operating income to assets | 1.8153% | 372 |
| Return on assets (ROA) | 1.8276% | 394 |
| Pretax return on assets | 2.4075% | 214 |
| Return on Equity (ROE) | 15.6931% | 539 |
| Retained earnings to average equity (ytd only) | 11.6946% | 355 |
| Net charge-offs to loans | 0.1582% | 1,036 |
| Credit loss provision to net charge-offs | 197.8317% | 2,173 |
| Earnings coverage of net charge-offs (x) | 19.8588% | 1,957 |
| Efficiency ratio | 44.7269% | 4,768 |
| Assets per employee ($millions) | 7.6575% | 1,185 |
| Cash dividends to net income (ytd only)* | 25.4793% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 4,254 |
| Loan loss allowance to noncurrent loans | 274.4035% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 2,703 |
| Noncurrent loans to loans | 0.3197% | 3,058 |
| Net loans and leases to total assets | 80.9476% | 370 |
| Net loans and leases to deposits | 93.7786% | 671 |
| Net loans and leases to core deposits | 108.1197% | 568 |
| Total domestic deposits to total assets | 86.3179% | 2,226 |
| Equity capital to assets | 11.5255% | 1,864 |
| Core capital (leverage) ratio | 9.5078% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,619,967,400 | 383 |
| Average earning assets | $2,459,219,800 | 371 |
| Average equity | $305,115,200 | 361 |
| Average total loans | $2,216,087,200 | 324 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 884 |
| Cost of funding earning assets | 0.6899% | 2,090 |
| Net interest margin | 4.1058% | 888 |
| Noninterest income to average assets | 0.9739% | 1,072 |
| Noninterest expense to average assets | 2.2629% | 3,520 |
| Loan and lease loss provision to assets | 0.3144% | 1,268 |
| Net operating income to assets | 1.6721% | 616 |
| Return on assets (ROA) | 1.6802% | 669 |
| Pretax return on assets | 2.2588% | 306 |
| Return on Equity (ROE) | 14.3870% | 814 |
| Retained earnings to average equity (ytd only) | 10.0756% | 749 |
| Net charge-offs to loans | 0.0323% | 2,180 |
| Credit loss provision to net charge-offs | 1,138.5338% | 766 |
| Earnings coverage of net charge-offs (x) | 92.8083% | 830 |
| Efficiency ratio | 45.4651% | 4,740 |
| Assets per employee ($millions) | 7.2464% | 1,355 |
| Cash dividends to net income (ytd only)* | 29.9669% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 3,961 |
| Loan loss allowance to noncurrent loans | 145.8886% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 1,789 |
| Noncurrent loans to loans | 0.6398% | 2,193 |
| Net loans and leases to total assets | 87.0099% | 106 |
| Net loans and leases to deposits | 101.0010% | 494 |
| Net loans and leases to core deposits | 117.3431% | 471 |
| Total domestic deposits to total assets | 86.1476% | 2,003 |
| Equity capital to assets | 11.4720% | 2,027 |
| Core capital (leverage) ratio | 9.1538% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,568,553,250 | 380 |
| Average earning assets | $2,409,791,500 | 370 |
| Average equity | $299,977,250 | 361 |
| Average total loans | $2,193,230,000 | 321 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 1,029 |
| Cost of funding earning assets | 0.7963% | 1,844 |
| Net interest margin | 4.0686% | 1,179 |
| Noninterest income to average assets | 0.9477% | 1,075 |
| Noninterest expense to average assets | 2.2963% | 3,524 |
| Loan and lease loss provision to assets | 0.1620% | 2,380 |
| Net operating income to assets | 1.7440% | 564 |
| Return on assets (ROA) | 1.7565% | 602 |
| Pretax return on assets | 2.3228% | 294 |
| Return on Equity (ROE) | 14.9442% | 716 |
| Retained earnings to average equity (ytd only) | 10.1434% | 771 |
| Net charge-offs to loans | 0.0010% | 2,996 |
| Credit loss provision to net charge-offs | 18,527.2727% | 64 |
| Earnings coverage of net charge-offs (x) | 2,824.2727% | 28 |
| Efficiency ratio | 46.7137% | 4,690 |
| Assets per employee ($millions) | 7.4284% | 1,214 |
| Cash dividends to net income (ytd only)* | 32.1252% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 4,351 |
| Loan loss allowance to noncurrent loans | 80.5464% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 1,358 |
| Noncurrent loans to loans | 0.9892% | 1,569 |
| Net loans and leases to total assets | 85.5712% | 154 |
| Net loans and leases to deposits | 99.1121% | 602 |
| Net loans and leases to core deposits | 115.1957% | 559 |
| Total domestic deposits to total assets | 86.3378% | 1,872 |
| Equity capital to assets | 11.1299% | 2,227 |
| Core capital (leverage) ratio | 9.0893% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,516,520,000 | 381 |
| Average earning assets | $2,361,295,333 | 369 |
| Average equity | $295,779,333 | 365 |
| Average total loans | $2,126,621,667 | 324 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 795 |
| Cost of funding earning assets | 1.0828% | 1,100 |
| Net interest margin | 4.0166% | 1,345 |
| Noninterest income to average assets | 0.9172% | 1,036 |
| Noninterest expense to average assets | 2.3602% | 3,628 |
| Loan and lease loss provision to assets | 0.1695% | 1,733 |
| Net operating income to assets | 1.5660% | 669 |
| Return on assets (ROA) | 1.5920% | 701 |
| Pretax return on assets | 2.1690% | 320 |
| Return on Equity (ROE) | 13.1474% | 853 |
| Retained earnings to average equity (ytd only) | 7.2394% | 1,462 |
| Net charge-offs to loans | -0.0026% | 3,697 |
| Credit loss provision to net charge-offs | -7,838.4615% | 3,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0087% | 4,713 |
| Assets per employee ($millions) | 6.6196% | 1,281 |
| Cash dividends to net income (ytd only)* | 44.9368% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 4,209 |
| Loan loss allowance to noncurrent loans | 111.8395% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 1,865 |
| Noncurrent loans to loans | 0.7813% | 2,050 |
| Net loans and leases to total assets | 83.3225% | 319 |
| Net loans and leases to deposits | 97.6488% | 764 |
| Net loans and leases to core deposits | 113.1812% | 702 |
| Total domestic deposits to total assets | 85.3287% | 2,278 |
| Equity capital to assets | 12.0759% | 2,013 |
| Core capital (leverage) ratio | 9.6265% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,404,241,500 | 384 |
| Average earning assets | $2,243,813,000 | 370 |
| Average equity | $291,129,000 | 368 |
| Average total loans | $2,007,727,000 | 333 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6944% | 405 |
| Cost of funding earning assets | 1.1207% | 1,255 |
| Net interest margin | 4.5737% | 607 |
| Noninterest income to average assets | 0.8731% | 1,240 |
| Noninterest expense to average assets | 2.7269% | 2,812 |
| Loan and lease loss provision to assets | 0.2429% | 772 |
| Net operating income to assets | 1.6056% | 831 |
| Return on assets (ROA) | 1.6078% | 883 |
| Pretax return on assets | 2.1414% | 432 |
| Return on Equity (ROE) | 12.8650% | 1,211 |
| Retained earnings to average equity (ytd only) | 7.6085% | 1,110 |
| Net charge-offs to loans | 0.0234% | 2,936 |
| Credit loss provision to net charge-offs | 1,218.6364% | 283 |
| Earnings coverage of net charge-offs (x) | 119.4591% | 592 |
| Efficiency ratio | 51.8311% | 4,616 |
| Assets per employee ($millions) | 6.5180% | 1,273 |
| Cash dividends to net income (ytd only)* | 40.8589% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 4,148 |
| Loan loss allowance to noncurrent loans | 107.1378% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7199% | 1,801 |
| Noncurrent loans to loans | 0.7951% | 1,917 |
| Net loans and leases to total assets | 82.2402% | 528 |
| Net loans and leases to deposits | 96.5587% | 883 |
| Net loans and leases to core deposits | 109.1582% | 900 |
| Total domestic deposits to total assets | 85.1712% | 2,430 |
| Equity capital to assets | 12.1427% | 2,049 |
| Core capital (leverage) ratio | 9.7859% | 3,745 |
| Tier 1 risk-based capital ratio | 10.5889% | 4,994 |
| Total risk-based capital ratio | 11.3967% | 5,052 |
| Memoranda: | ||
| Average total assets | $2,207,182,000 | 389 |
| Average earning assets | $2,043,803,800 | 383 |
| Average equity | $275,850,000 | 371 |
| Average total loans | $1,876,955,200 | 340 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8032% | 350 |
| Cost of funding earning assets | 1.1036% | 1,337 |
| Net interest margin | 4.6997% | 501 |
| Noninterest income to average assets | 0.8537% | 1,258 |
| Noninterest expense to average assets | 2.7658% | 2,667 |
| Loan and lease loss provision to assets | 0.2795% | 543 |
| Net operating income to assets | 1.5214% | 1,130 |
| Return on assets (ROA) | 1.5240% | 1,179 |
| Pretax return on assets | 2.1586% | 490 |
| Return on Equity (ROE) | 12.0994% | 1,582 |
| Retained earnings to average equity (ytd only) | 6.2299% | 2,265 |
| Net charge-offs to loans | 0.0491% | 2,132 |
| Credit loss provision to net charge-offs | 664.2753% | 504 |
| Earnings coverage of net charge-offs (x) | 57.8670% | 1,081 |
| Efficiency ratio | 51.6324% | 4,631 |
| Assets per employee ($millions) | 6.2417% | 1,434 |
| Cash dividends to net income (ytd only)* | 48.5103% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 4,373 |
| Loan loss allowance to noncurrent loans | 121.8593% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 2,049 |
| Noncurrent loans to loans | 0.6680% | 2,281 |
| Net loans and leases to total assets | 86.5736% | 158 |
| Net loans and leases to deposits | 102.5612% | 475 |
| Net loans and leases to core deposits | 114.9113% | 708 |
| Total domestic deposits to total assets | 84.4116% | 2,666 |
| Equity capital to assets | 12.6700% | 1,795 |
| Core capital (leverage) ratio | 9.9668% | 3,670 |
| Tier 1 risk-based capital ratio | 10.3082% | 5,132 |
| Total risk-based capital ratio | 11.0752% | 5,179 |
| Memoranda: | ||
| Average total assets | $2,164,206,000 | 398 |
| Average earning assets | $2,001,817,500 | 392 |
| Average equity | $272,591,000 | 376 |
| Average total loans | $1,852,850,000 | 349 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7395% | 368 |
| Cost of funding earning assets | 1.0379% | 1,544 |
| Net interest margin | 4.7015% | 490 |
| Noninterest income to average assets | 0.8553% | 1,193 |
| Noninterest expense to average assets | 2.7587% | 2,724 |
| Loan and lease loss provision to assets | 0.2942% | 476 |
| Net operating income to assets | 1.5070% | 1,131 |
| Return on assets (ROA) | 1.5108% | 1,167 |
| Pretax return on assets | 2.1575% | 489 |
| Return on Equity (ROE) | 12.0189% | 1,570 |
| Retained earnings to average equity (ytd only) | 5.3492% | 2,597 |
| Net charge-offs to loans | 0.0690% | 1,671 |
| Credit loss provision to net charge-offs | 501.2698% | 589 |
| Earnings coverage of net charge-offs (x) | 41.6952% | 1,217 |
| Efficiency ratio | 51.4432% | 4,692 |
| Assets per employee ($millions) | 6.0518% | 1,506 |
| Cash dividends to net income (ytd only)* | 55.4939% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 4,555 |
| Loan loss allowance to noncurrent loans | 124.0385% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 2,139 |
| Noncurrent loans to loans | 0.6190% | 2,410 |
| Net loans and leases to total assets | 86.4912% | 179 |
| Net loans and leases to deposits | 102.9591% | 477 |
| Net loans and leases to core deposits | 112.2326% | 858 |
| Total domestic deposits to total assets | 84.0054% | 2,859 |
| Equity capital to assets | 12.7719% | 1,704 |
| Core capital (leverage) ratio | 9.9373% | 3,654 |
| Tier 1 risk-based capital ratio | 10.5434% | 5,092 |
| Total risk-based capital ratio | 11.2830% | 5,164 |
| Memoranda: | ||
| Average total assets | $2,147,011,670 | 404 |
| Average earning assets | $1,986,635,000 | 392 |
| Average equity | $269,874,330 | 379 |
| Average total loans | $1,825,789,670 | 352 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6464% | 396 |
| Cost of funding earning assets | 0.9959% | 1,582 |
| Net interest margin | 4.6506% | 550 |
| Noninterest income to average assets | 0.8738% | 1,105 |
| Noninterest expense to average assets | 2.7391% | 2,781 |
| Loan and lease loss provision to assets | 0.2947% | 444 |
| Net operating income to assets | 1.6177% | 860 |
| Return on assets (ROA) | 1.6177% | 896 |
| Pretax return on assets | 2.1436% | 493 |
| Return on Equity (ROE) | 12.9746% | 1,224 |
| Retained earnings to average equity (ytd only) | 0.9999% | 4,308 |
| Net charge-offs to loans | 0.0218% | 2,016 |
| Credit loss provision to net charge-offs | 1,611.2245% | 244 |
| Earnings coverage of net charge-offs (x) | 133.3163% | 551 |
| Efficiency ratio | 51.3770% | 4,739 |
| Assets per employee ($millions) | 6.2509% | 1,376 |
| Cash dividends to net income (ytd only)* | 92.2935% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 4,688 |
| Loan loss allowance to noncurrent loans | 131.1942% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 2,540 |
| Noncurrent loans to loans | 0.5649% | 2,631 |
| Net loans and leases to total assets | 83.5237% | 417 |
| Net loans and leases to deposits | 96.6201% | 916 |
| Net loans and leases to core deposits | 105.6872% | 1,194 |
| Total domestic deposits to total assets | 86.4455% | 2,100 |
| Equity capital to assets | 12.4906% | 1,743 |
| Core capital (leverage) ratio | 9.6126% | 4,009 |
| Tier 1 risk-based capital ratio | 10.8356% | 5,054 |
| Total risk-based capital ratio | 11.5648% | 5,153 |
| Memoranda: | ||
| Average total assets | $2,143,294,500 | 406 |
| Average earning assets | $1,983,417,500 | 395 |
| Average equity | $267,229,500 | 382 |
| Average total loans | $1,799,773,000 | 358 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9329% | 1,198 |
| Cost of funding earning assets | 0.7064% | 2,053 |
| Net interest margin | 4.2265% | 1,336 |
| Noninterest income to average assets | 0.9597% | 1,039 |
| Noninterest expense to average assets | 2.6957% | 3,036 |
| Loan and lease loss provision to assets | 0.1043% | 2,104 |
| Net operating income to assets | 1.5256% | 1,055 |
| Return on assets (ROA) | 1.5256% | 1,036 |
| Pretax return on assets | 2.1174% | 422 |
| Return on Equity (ROE) | 12.9027% | 1,380 |
| Retained earnings to average equity (ytd only) | -3.5674% | 5,201 |
| Net charge-offs to loans | 0.0786% | 2,005 |
| Credit loss provision to net charge-offs | 157.3044% | 1,763 |
| Earnings coverage of net charge-offs (x) | 33.5033% | 1,491 |
| Efficiency ratio | 53.6204% | 4,649 |
| Assets per employee ($millions) | 6.1390% | 1,427 |
| Cash dividends to net income (ytd only)* | 127.6485% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 4,875 |
| Loan loss allowance to noncurrent loans | 98.2075% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 2,210 |
| Noncurrent loans to loans | 0.6743% | 2,309 |
| Net loans and leases to total assets | 83.2422% | 490 |
| Net loans and leases to deposits | 95.8497% | 1,084 |
| Net loans and leases to core deposits | 104.4388% | 1,377 |
| Total domestic deposits to total assets | 86.8466% | 1,848 |
| Equity capital to assets | 12.4457% | 1,609 |
| Core capital (leverage) ratio | 9.7241% | 3,883 |
| Tier 1 risk-based capital ratio | 10.9085% | 5,015 |
| Total risk-based capital ratio | 11.5630% | 5,152 |
| Memoranda: | ||
| Average total assets | $1,600,014,800 | 514 |
| Average earning assets | $1,498,229,800 | 499 |
| Average equity | $189,185,000 | 472 |
| Average total loans | $1,349,017,800 | 430 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 1,735 |
| Cost of funding earning assets | 0.6295% | 2,277 |
| Net interest margin | 4.0510% | 1,790 |
| Noninterest income to average assets | 0.9719% | 1,006 |
| Noninterest expense to average assets | 2.5606% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6723% | 798 |
| Return on assets (ROA) | 1.6722% | 802 |
| Pretax return on assets | 2.2228% | 390 |
| Return on Equity (ROE) | 14.4198% | 1,007 |
| Retained earnings to average equity (ytd only) | -10.0442% | 5,392 |
| Net charge-offs to loans | -0.0095% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3887% | 4,769 |
| Assets per employee ($millions) | 5.9430% | 1,532 |
| Cash dividends to net income (ytd only)* | 169.6559% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6422% | 4,980 |
| Loan loss allowance to noncurrent loans | 139.2748% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 2,836 |
| Noncurrent loans to loans | 0.4611% | 3,004 |
| Net loans and leases to total assets | 85.5380% | 308 |
| Net loans and leases to deposits | 98.4214% | 920 |
| Net loans and leases to core deposits | 112.8781% | 873 |
| Total domestic deposits to total assets | 86.9099% | 1,772 |
| Equity capital to assets | 12.6490% | 1,498 |
| Core capital (leverage) ratio | 9.6294% | 4,017 |
| Tier 1 risk-based capital ratio | 10.5920% | 5,213 |
| Total risk-based capital ratio | 11.2221% | 5,339 |
| Memoranda: | ||
| Average total assets | $1,464,388,500 | 550 |
| Average earning assets | $1,377,840,250 | 534 |
| Average equity | $169,818,250 | 507 |
| Average total loans | $1,237,429,750 | 467 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 1,072 |
| Cost of funding earning assets | 0.6297% | 2,049 |
| Net interest margin | 4.2450% | 1,177 |
| Noninterest income to average assets | 1.1447% | 739 |
| Noninterest expense to average assets | 2.7824% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7651% | 630 |
| Return on assets (ROA) | 1.7650% | 635 |
| Pretax return on assets | 2.3821% | 281 |
| Return on Equity (ROE) | 16.0056% | 673 |
| Retained earnings to average equity (ytd only) | 5.7584% | 2,693 |
| Net charge-offs to loans | -0.0017% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6512% | 4,818 |
| Assets per employee ($millions) | 5.4253% | 1,969 |
| Cash dividends to net income (ytd only)* | 64.0225% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,645 |
| Loan loss allowance to noncurrent loans | 135.0155% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 1,928 |
| Noncurrent loans to loans | 0.7632% | 2,212 |
| Net loans and leases to total assets | 85.4186% | 312 |
| Net loans and leases to deposits | 96.7243% | 1,070 |
| Net loans and leases to core deposits | 102.4988% | 1,528 |
| Total domestic deposits to total assets | 88.3114% | 1,215 |
| Equity capital to assets | 11.2498% | 2,409 |
| Core capital (leverage) ratio | 10.5985% | 2,925 |
| Tier 1 risk-based capital ratio | 12.4509% | 4,217 |
| Total risk-based capital ratio | 13.5050% | 4,214 |
| Memoranda: | ||
| Average total assets | $1,267,097,000 | 615 |
| Average earning assets | $1,199,947,330 | 598 |
| Average equity | $139,725,670 | 614 |
| Average total loans | $1,059,821,330 | 527 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,274 |
| Cost of funding earning assets | 0.5989% | 2,060 |
| Net interest margin | 4.1164% | 1,396 |
| Noninterest income to average assets | 1.1862% | 649 |
| Noninterest expense to average assets | 2.8451% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5189% | 1,036 |
| Return on assets (ROA) | 1.5189% | 1,037 |
| Pretax return on assets | 2.2242% | 360 |
| Return on Equity (ROE) | 13.9152% | 1,031 |
| Retained earnings to average equity (ytd only) | -6.8056% | 5,278 |
| Net charge-offs to loans | -0.0027% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8775% | 4,701 |
| Assets per employee ($millions) | 5.4782% | 1,958 |
| Cash dividends to net income (ytd only)* | 148.9078% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,461 |
| Loan loss allowance to noncurrent loans | 77.0722% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2577% | 1,185 |
| Noncurrent loans to loans | 1.4124% | 1,259 |
| Net loans and leases to total assets | 80.0117% | 933 |
| Net loans and leases to deposits | 90.5303% | 1,626 |
| Net loans and leases to core deposits | 100.8285% | 1,626 |
| Total domestic deposits to total assets | 88.3811% | 1,416 |
| Equity capital to assets | 10.6597% | 2,911 |
| Core capital (leverage) ratio | 10.0093% | 3,527 |
| Tier 1 risk-based capital ratio | 12.5568% | 4,209 |
| Total risk-based capital ratio | 13.6781% | 4,183 |
| Memoranda: | ||
| Average total assets | $1,265,890,000 | 621 |
| Average earning assets | $1,194,144,000 | 604 |
| Average equity | $138,179,500 | 622 |
| Average total loans | $1,041,888,000 | 540 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 789 |
| Cost of funding earning assets | 0.4735% | 2,569 |
| Net interest margin | 4.4302% | 715 |
| Noninterest income to average assets | 1.1921% | 732 |
| Noninterest expense to average assets | 2.9694% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.4025% | 139 |
| Return on assets (ROA) | 2.4026% | 140 |
| Pretax return on assets | 2.4026% | 215 |
| Return on Equity (ROE) | 21.5323% | 142 |
| Retained earnings to average equity (ytd only) | 9.8272% | 377 |
| Net charge-offs to loans | -0.1507% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1196% | 5,022 |
| Assets per employee ($millions) | 5.4343% | 2,008 |
| Cash dividends to net income (ytd only)* | 54.3606% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,464 |
| Loan loss allowance to noncurrent loans | 115.9523% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 1,734 |
| Noncurrent loans to loans | 0.9294% | 1,922 |
| Net loans and leases to total assets | 82.8509% | 579 |
| Net loans and leases to deposits | 94.1200% | 1,259 |
| Net loans and leases to core deposits | 103.2549% | 1,466 |
| Total domestic deposits to total assets | 88.0269% | 1,485 |
| Equity capital to assets | 11.1781% | 2,453 |
| Core capital (leverage) ratio | 10.8930% | 2,432 |
| Tier 1 risk-based capital ratio | 12.6614% | 4,110 |
| Total risk-based capital ratio | 13.7620% | 4,098 |
| Memoranda: | ||
| Average total assets | $1,178,810,000 | 636 |
| Average earning assets | $1,112,173,800 | 618 |
| Average equity | $131,532,600 | 624 |
| Average total loans | $1,031,889,200 | 526 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9221% | 725 |
| Cost of funding earning assets | 0.4548% | 2,673 |
| Net interest margin | 4.4673% | 643 |
| Noninterest income to average assets | 1.2023% | 721 |
| Noninterest expense to average assets | 2.9632% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.4701% | 138 |
| Return on assets (ROA) | 2.4701% | 140 |
| Pretax return on assets | 2.4701% | 216 |
| Return on Equity (ROE) | 22.1483% | 137 |
| Retained earnings to average equity (ytd only) | 7.0790% | 1,656 |
| Net charge-offs to loans | -0.2194% | 5,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4623% | 5,062 |
| Assets per employee ($millions) | 5.0413% | 2,401 |
| Cash dividends to net income (ytd only)* | 68.0381% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,536 |
| Loan loss allowance to noncurrent loans | 187.0270% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 2,564 |
| Noncurrent loans to loans | 0.5833% | 2,946 |
| Net loans and leases to total assets | 89.2840% | 106 |
| Net loans and leases to deposits | 102.2623% | 597 |
| Net loans and leases to core deposits | 113.7337% | 859 |
| Total domestic deposits to total assets | 87.3089% | 1,722 |
| Equity capital to assets | 11.5652% | 2,305 |
| Core capital (leverage) ratio | 10.6771% | 2,792 |
| Tier 1 risk-based capital ratio | 12.0412% | 4,577 |
| Total risk-based capital ratio | 13.1543% | 4,573 |
| Memoranda: | ||
| Average total assets | $1,161,042,250 | 644 |
| Average earning assets | $1,099,633,750 | 623 |
| Average equity | $129,487,500 | 640 |
| Average total loans | $1,028,156,750 | 529 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8148% | 842 |
| Cost of funding earning assets | 0.4293% | 2,810 |
| Net interest margin | 4.3855% | 723 |
| Noninterest income to average assets | 1.1552% | 756 |
| Noninterest expense to average assets | 2.9046% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.4052% | 150 |
| Return on assets (ROA) | 2.4052% | 149 |
| Pretax return on assets | 2.4052% | 247 |
| Return on Equity (ROE) | 21.8350% | 143 |
| Retained earnings to average equity (ytd only) | 8.1469% | 1,104 |
| Net charge-offs to loans | -0.0969% | 5,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5812% | 5,129 |
| Assets per employee ($millions) | 5.0557% | 2,329 |
| Cash dividends to net income (ytd only)* | 62.6888% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 4,308 |
| Loan loss allowance to noncurrent loans | 140.3984% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.7445% | 2,332 |
| Noncurrent loans to loans | 0.6925% | 2,681 |
| Net loans and leases to total assets | 89.5276% | 91 |
| Net loans and leases to deposits | 102.1985% | 602 |
| Net loans and leases to core deposits | 120.2519% | 550 |
| Total domestic deposits to total assets | 87.6017% | 1,659 |
| Equity capital to assets | 11.4029% | 2,408 |
| Core capital (leverage) ratio | 10.6700% | 2,738 |
| Tier 1 risk-based capital ratio | 11.8937% | 4,702 |
| Total risk-based capital ratio | 12.8938% | 4,751 |
| Memoranda: | ||
| Average total assets | $1,161,555,000 | 644 |
| Average earning assets | $1,100,407,330 | 627 |
| Average equity | $127,950,330 | 649 |
| Average total loans | $1,021,985,670 | 532 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,023 |
| Cost of funding earning assets | 0.4207% | 2,809 |
| Net interest margin | 4.2329% | 923 |
| Noninterest income to average assets | 1.2266% | 683 |
| Noninterest expense to average assets | 3.0310% | 2,076 |
| Loan and lease loss provision to assets | 0.0345% | 3,096 |
| Net operating income to assets | 2.1648% | 238 |
| Return on assets (ROA) | 2.1648% | 245 |
| Pretax return on assets | 2.1648% | 374 |
| Return on Equity (ROE) | 20.0050% | 228 |
| Retained earnings to average equity (ytd only) | -7.8772% | 5,520 |
| Net charge-offs to loans | 0.0341% | 2,094 |
| Credit loss provision to net charge-offs | 116.2791% | 1,430 |
| Earnings coverage of net charge-offs (x) | 74.2209% | 694 |
| Efficiency ratio | 55.7971% | 4,954 |
| Assets per employee ($millions) | 4.9870% | 2,465 |
| Cash dividends to net income (ytd only)* | 139.3761% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 4,459 |
| Loan loss allowance to noncurrent loans | 120.9788% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8262% | 2,231 |
| Noncurrent loans to loans | 0.7996% | 2,457 |
| Net loans and leases to total assets | 86.9376% | 163 |
| Net loans and leases to deposits | 98.5436% | 723 |
| Net loans and leases to core deposits | 111.0646% | 825 |
| Total domestic deposits to total assets | 88.2225% | 1,579 |
| Equity capital to assets | 10.8504% | 2,795 |
| Core capital (leverage) ratio | 9.9738% | 3,533 |
| Tier 1 risk-based capital ratio | 11.6521% | 4,944 |
| Total risk-based capital ratio | 12.6511% | 4,987 |
| Memoranda: | ||
| Average total assets | $1,160,926,000 | 644 |
| Average earning assets | $1,098,056,500 | 632 |
| Average equity | $125,628,500 | 659 |
| Average total loans | $1,007,348,500 | 539 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 818 |
| Cost of funding earning assets | 0.3795% | 3,211 |
| Net interest margin | 4.4604% | 672 |
| Noninterest income to average assets | 1.1289% | 898 |
| Noninterest expense to average assets | 2.9797% | 2,411 |
| Loan and lease loss provision to assets | 0.0287% | 3,780 |
| Net operating income to assets | 2.3196% | 191 |
| Return on assets (ROA) | 2.3197% | 199 |
| Pretax return on assets | 2.3197% | 264 |
| Return on Equity (ROE) | 21.5795% | 160 |
| Retained earnings to average equity (ytd only) | 8.3344% | 751 |
| Net charge-offs to loans | -0.0455% | 5,369 |
| Credit loss provision to net charge-offs | -71.9027% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7600% | 5,262 |
| Assets per employee ($millions) | 5.1080% | 2,279 |
| Cash dividends to net income (ytd only)* | 61.3780% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 4,499 |
| Loan loss allowance to noncurrent loans | 105.2711% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 2,087 |
| Noncurrent loans to loans | 0.9168% | 2,262 |
| Net loans and leases to total assets | 84.9517% | 305 |
| Net loans and leases to deposits | 96.2447% | 973 |
| Net loans and leases to core deposits | 108.8178% | 973 |
| Total domestic deposits to total assets | 88.2663% | 1,503 |
| Equity capital to assets | 10.7931% | 2,823 |
| Core capital (leverage) ratio | 10.3002% | 3,109 |
| Tier 1 risk-based capital ratio | 11.5277% | 5,038 |
| Total risk-based capital ratio | 12.4857% | 5,097 |
| Memoranda: | ||
| Average total assets | $1,134,361,800 | 631 |
| Average earning assets | $1,067,912,600 | 620 |
| Average equity | $121,940,000 | 655 |
| Average total loans | $994,225,200 | 515 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 724 |
| Cost of funding earning assets | 0.3663% | 3,373 |
| Net interest margin | 4.5334% | 584 |
| Noninterest income to average assets | 1.0905% | 952 |
| Noninterest expense to average assets | 3.0311% | 2,225 |
| Loan and lease loss provision to assets | 0.0267% | 3,712 |
| Net operating income to assets | 2.3013% | 209 |
| Return on assets (ROA) | 2.3015% | 222 |
| Pretax return on assets | 2.3015% | 317 |
| Return on Equity (ROE) | 21.4323% | 175 |
| Retained earnings to average equity (ytd only) | 4.2575% | 3,295 |
| Net charge-offs to loans | -0.0702% | 5,464 |
| Credit loss provision to net charge-offs | -43.1034% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3861% | 5,210 |
| Assets per employee ($millions) | 4.9855% | 2,381 |
| Cash dividends to net income (ytd only)* | 80.1350% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 4,672 |
| Loan loss allowance to noncurrent loans | 109.1277% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 2,303 |
| Noncurrent loans to loans | 0.8690% | 2,515 |
| Net loans and leases to total assets | 87.9374% | 136 |
| Net loans and leases to deposits | 100.6310% | 670 |
| Net loans and leases to core deposits | 125.6197% | 378 |
| Total domestic deposits to total assets | 87.3860% | 1,718 |
| Equity capital to assets | 10.5792% | 3,478 |
| Core capital (leverage) ratio | 9.7643% | 3,855 |
| Tier 1 risk-based capital ratio | 10.8542% | 5,451 |
| Total risk-based capital ratio | 11.8058% | 5,517 |
| Memoranda: | ||
| Average total assets | $1,124,239,750 | 638 |
| Average earning assets | $1,058,575,250 | 620 |
| Average equity | $120,724,250 | 666 |
| Average total loans | $990,836,250 | 514 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 686 |
| Cost of funding earning assets | 0.3505% | 3,560 |
| Net interest margin | 4.5725% | 530 |
| Noninterest income to average assets | 1.0957% | 936 |
| Noninterest expense to average assets | 3.0055% | 2,326 |
| Loan and lease loss provision to assets | 0.0404% | 3,350 |
| Net operating income to assets | 2.3575% | 184 |
| Return on assets (ROA) | 2.3575% | 195 |
| Pretax return on assets | 2.3575% | 277 |
| Return on Equity (ROE) | 21.8423% | 163 |
| Retained earnings to average equity (ytd only) | 11.2070% | 414 |
| Net charge-offs to loans | -0.0394% | 5,259 |
| Credit loss provision to net charge-offs | -116.5803% | 4,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4522% | 5,354 |
| Assets per employee ($millions) | 4.8493% | 2,483 |
| Cash dividends to net income (ytd only)* | 48.6914% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 4,865 |
| Loan loss allowance to noncurrent loans | 167.8975% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 3,127 |
| Noncurrent loans to loans | 0.5517% | 3,411 |
| Net loans and leases to total assets | 88.2946% | 125 |
| Net loans and leases to deposits | 101.3338% | 607 |
| Net loans and leases to core deposits | 122.4781% | 451 |
| Total domestic deposits to total assets | 87.1324% | 1,848 |
| Equity capital to assets | 11.0052% | 3,055 |
| Core capital (leverage) ratio | 10.3387% | 3,148 |
| Tier 1 risk-based capital ratio | 11.0569% | 5,393 |
| Total risk-based capital ratio | 11.9711% | 5,488 |
| Memoranda: | ||
| Average total assets | $1,115,099,330 | 645 |
| Average earning assets | $1,050,503,670 | 623 |
| Average equity | $120,353,670 | 664 |
| Average total loans | $980,302,670 | 518 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 886 |
| Cost of funding earning assets | 0.3431% | 3,680 |
| Net interest margin | 4.4410% | 683 |
| Noninterest income to average assets | 1.1964% | 764 |
| Noninterest expense to average assets | 2.8670% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.5029% | 155 |
| Return on assets (ROA) | 2.5029% | 160 |
| Pretax return on assets | 2.5029% | 234 |
| Return on Equity (ROE) | 23.4262% | 122 |
| Retained earnings to average equity (ytd only) | 1.7478% | 4,568 |
| Net charge-offs to loans | -0.0576% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1861% | 5,555 |
| Assets per employee ($millions) | 4.6411% | 2,832 |
| Cash dividends to net income (ytd only)* | 92.5390% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 4,853 |
| Loan loss allowance to noncurrent loans | 279.8891% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 3,842 |
| Noncurrent loans to loans | 0.3391% | 4,225 |
| Net loans and leases to total assets | 86.5982% | 184 |
| Net loans and leases to deposits | 98.1386% | 749 |
| Net loans and leases to core deposits | 111.0513% | 803 |
| Total domestic deposits to total assets | 88.2407% | 1,508 |
| Equity capital to assets | 10.8137% | 3,150 |
| Core capital (leverage) ratio | 9.8466% | 3,725 |
| Tier 1 risk-based capital ratio | 10.8599% | 5,576 |
| Total risk-based capital ratio | 11.7840% | 5,640 |
| Memoranda: | ||
| Average total assets | $1,105,276,500 | 653 |
| Average earning assets | $1,038,691,500 | 636 |
| Average equity | $118,090,000 | 679 |
| Average total loans | $964,811,000 | 522 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 2,656 |
| Cost of funding earning assets | 0.2845% | 4,419 |
| Net interest margin | 3.8864% | 2,076 |
| Noninterest income to average assets | 0.8817% | 1,495 |
| Noninterest expense to average assets | 2.5003% | 4,223 |
| Loan and lease loss provision to assets | -0.1780% | 5,961 |
| Net operating income to assets | 2.2408% | 232 |
| Return on assets (ROA) | 2.2514% | 233 |
| Pretax return on assets | 2.2514% | 310 |
| Return on Equity (ROE) | 22.1418% | 167 |
| Retained earnings to average equity (ytd only) | -2.3672% | 5,777 |
| Net charge-offs to loans | -0.0956% | 5,762 |
| Credit loss provision to net charge-offs | 216.4502% | 1,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1310% | 5,578 |
| Assets per employee ($millions) | 4.9130% | 2,457 |
| Cash dividends to net income (ytd only)* | 110.6911% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 5,007 |
| Loan loss allowance to noncurrent loans | 320.6378% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 4,047 |
| Noncurrent loans to loans | 0.2871% | 4,438 |
| Net loans and leases to total assets | 86.3548% | 206 |
| Net loans and leases to deposits | 98.2763% | 798 |
| Net loans and leases to core deposits | 114.4640% | 658 |
| Total domestic deposits to total assets | 87.8694% | 1,703 |
| Equity capital to assets | 10.5570% | 3,295 |
| Core capital (leverage) ratio | 9.6580% | 3,964 |
| Tier 1 risk-based capital ratio | 10.7509% | 5,645 |
| Total risk-based capital ratio | 11.6455% | 5,744 |
| Memoranda: | ||
| Average total assets | $1,123,406,000 | 625 |
| Average earning assets | $1,064,152,800 | 603 |
| Average equity | $114,227,400 | 672 |
| Average total loans | $966,253,000 | 492 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 1,289 |
| Cost of funding earning assets | 0.3135% | 4,183 |
| Net interest margin | 4.3052% | 947 |
| Noninterest income to average assets | 0.9171% | 1,409 |
| Noninterest expense to average assets | 2.6274% | 3,776 |
| Loan and lease loss provision to assets | -0.2865% | 6,147 |
| Net operating income to assets | 2.6815% | 126 |
| Return on assets (ROA) | 2.6855% | 128 |
| Pretax return on assets | 2.6855% | 175 |
| Return on Equity (ROE) | 26.3212% | 93 |
| Retained earnings to average equity (ytd only) | -12.9816% | 6,161 |
| Net charge-offs to loans | -0.2398% | 6,037 |
| Credit loss provision to net charge-offs | 137.3626% | 1,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9754% | 5,723 |
| Assets per employee ($millions) | 5.0836% | 2,197 |
| Cash dividends to net income (ytd only)* | 149.3200% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,995 |
| Loan loss allowance to noncurrent loans | 386.2505% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 4,045 |
| Noncurrent loans to loans | 0.2954% | 4,532 |
| Net loans and leases to total assets | 88.1725% | 127 |
| Net loans and leases to deposits | 99.5139% | 695 |
| Net loans and leases to core deposits | 122.4677% | 412 |
| Total domestic deposits to total assets | 88.6033% | 1,237 |
| Equity capital to assets | 9.4299% | 4,844 |
| Core capital (leverage) ratio | 8.8464% | 5,184 |
| Tier 1 risk-based capital ratio | 9.6705% | 6,107 |
| Total risk-based capital ratio | 10.7773% | 6,114 |
| Memoranda: | ||
| Average total assets | $930,839,750 | 744 |
| Average earning assets | $887,615,250 | 716 |
| Average equity | $94,973,000 | 809 |
| Average total loans | $809,438,750 | 582 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 1,415 |
| Cost of funding earning assets | 0.3137% | 4,238 |
| Net interest margin | 4.2308% | 1,046 |
| Noninterest income to average assets | 0.9620% | 1,272 |
| Noninterest expense to average assets | 2.6274% | 3,824 |
| Loan and lease loss provision to assets | -0.4296% | 6,262 |
| Net operating income to assets | 2.7948% | 110 |
| Return on assets (ROA) | 2.7971% | 111 |
| Pretax return on assets | 2.7971% | 160 |
| Return on Equity (ROE) | 26.7403% | 92 |
| Retained earnings to average equity (ytd only) | 7.7483% | 1,365 |
| Net charge-offs to loans | -0.3827% | 6,164 |
| Credit loss provision to net charge-offs | 130.2083% | 1,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2413% | 5,777 |
| Assets per employee ($millions) | 5.1663% | 2,079 |
| Cash dividends to net income (ytd only)* | 71.0237% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 4,086 |
| Loan loss allowance to noncurrent loans | 347.0374% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 4,077 |
| Noncurrent loans to loans | 0.3310% | 4,502 |
| Net loans and leases to total assets | 87.8535% | 146 |
| Net loans and leases to deposits | 100.4129% | 628 |
| Net loans and leases to core deposits | 119.8299% | 471 |
| Total domestic deposits to total assets | 87.4923% | 1,908 |
| Equity capital to assets | 10.7830% | 3,132 |
| Core capital (leverage) ratio | 10.3817% | 3,106 |
| Tier 1 risk-based capital ratio | 11.0945% | 5,664 |
| Total risk-based capital ratio | 12.2022% | 5,649 |
| Memoranda: | ||
| Average total assets | $931,022,000 | 747 |
| Average earning assets | $886,969,330 | 722 |
| Average equity | $97,388,670 | 798 |
| Average total loans | $802,675,000 | 582 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,737 |
| Cost of funding earning assets | 0.3153% | 4,273 |
| Net interest margin | 4.0936% | 1,293 |
| Noninterest income to average assets | 1.0885% | 957 |
| Noninterest expense to average assets | 2.5279% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.4517% | 167 |
| Return on assets (ROA) | 2.4517% | 178 |
| Pretax return on assets | 2.4517% | 263 |
| Return on Equity (ROE) | 23.8075% | 130 |
| Retained earnings to average equity (ytd only) | -14.8598% | 6,219 |
| Net charge-offs to loans | -0.8041% | 6,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3731% | 5,956 |
| Assets per employee ($millions) | 5.0940% | 2,235 |
| Cash dividends to net income (ytd only)* | 162.4166% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 2,583 |
| Loan loss allowance to noncurrent loans | 928.4227% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 4,750 |
| Noncurrent loans to loans | 0.1582% | 5,211 |
| Net loans and leases to total assets | 82.5260% | 414 |
| Net loans and leases to deposits | 92.1706% | 1,164 |
| Net loans and leases to core deposits | 107.8104% | 829 |
| Total domestic deposits to total assets | 89.5361% | 977 |
| Equity capital to assets | 9.9689% | 4,182 |
| Core capital (leverage) ratio | 9.7252% | 3,982 |
| Tier 1 risk-based capital ratio | 10.8006% | 5,898 |
| Total risk-based capital ratio | 12.0549% | 5,821 |
| Memoranda: | ||
| Average total assets | $928,986,500 | 749 |
| Average earning assets | $883,035,500 | 724 |
| Average equity | $95,667,500 | 809 |
| Average total loans | $788,483,000 | 588 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,550 |
| Cost of funding earning assets | 0.3316% | 4,474 |
| Net interest margin | 4.2732% | 1,106 |
| Noninterest income to average assets | 1.0345% | 1,146 |
| Noninterest expense to average assets | 2.5951% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.4769% | 150 |
| Return on assets (ROA) | 2.4778% | 156 |
| Pretax return on assets | 2.4778% | 200 |
| Return on Equity (ROE) | 24.2952% | 122 |
| Retained earnings to average equity (ytd only) | 12.8223% | 237 |
| Net charge-offs to loans | -0.3523% | 6,350 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0482% | 6,090 |
| Assets per employee ($millions) | 4.4663% | 3,086 |
| Cash dividends to net income (ytd only)* | 47.2231% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 3,586 |
| Loan loss allowance to noncurrent loans | 426.7263% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 4,339 |
| Noncurrent loans to loans | 0.2978% | 4,781 |
| Net loans and leases to total assets | 84.9341% | 280 |
| Net loans and leases to deposits | 96.9488% | 836 |
| Net loans and leases to core deposits | 115.8197% | 533 |
| Total domestic deposits to total assets | 87.6071% | 1,974 |
| Equity capital to assets | 10.6369% | 3,314 |
| Core capital (leverage) ratio | 9.9435% | 3,650 |
| Tier 1 risk-based capital ratio | 11.1869% | 5,825 |
| Total risk-based capital ratio | 12.4391% | 5,758 |
| Memoranda: | ||
| Average total assets | $878,571,800 | 760 |
| Average earning assets | $830,106,200 | 738 |
| Average equity | $89,602,000 | 821 |
| Average total loans | $731,568,200 | 592 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 1,621 |
| Cost of funding earning assets | 0.3347% | 4,522 |
| Net interest margin | 4.2435% | 1,173 |
| Noninterest income to average assets | 1.0725% | 1,061 |
| Noninterest expense to average assets | 2.4883% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.5859% | 128 |
| Return on assets (ROA) | 2.5871% | 131 |
| Pretax return on assets | 2.5871% | 183 |
| Return on Equity (ROE) | 25.6575% | 92 |
| Retained earnings to average equity (ytd only) | 13.4433% | 284 |
| Net charge-offs to loans | -0.3947% | 6,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9084% | 6,205 |
| Assets per employee ($millions) | 4.3376% | 3,234 |
| Cash dividends to net income (ytd only)* | 47.6049% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 4,087 |
| Loan loss allowance to noncurrent loans | 161.6985% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8445% | 3,303 |
| Noncurrent loans to loans | 0.7593% | 3,703 |
| Net loans and leases to total assets | 85.2250% | 246 |
| Net loans and leases to deposits | 95.8522% | 891 |
| Net loans and leases to core deposits | 119.4612% | 410 |
| Total domestic deposits to total assets | 88.9130% | 1,296 |
| Equity capital to assets | 10.4873% | 3,581 |
| Core capital (leverage) ratio | 10.0760% | 3,563 |
| Tier 1 risk-based capital ratio | 10.9499% | 6,018 |
| Total risk-based capital ratio | 12.1624% | 5,984 |
| Memoranda: | ||
| Average total assets | $869,317,250 | 770 |
| Average earning assets | $819,778,500 | 749 |
| Average equity | $87,655,000 | 839 |
| Average total loans | $717,545,500 | 607 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,794 |
| Cost of funding earning assets | 0.3436% | 4,501 |
| Net interest margin | 4.1686% | 1,320 |
| Noninterest income to average assets | 0.8847% | 1,541 |
| Noninterest expense to average assets | 2.4025% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.4025% | 163 |
| Return on assets (ROA) | 2.4023% | 168 |
| Pretax return on assets | 2.4023% | 256 |
| Return on Equity (ROE) | 24.1639% | 133 |
| Retained earnings to average equity (ytd only) | 5.3437% | 2,736 |
| Net charge-offs to loans | -0.5806% | 6,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7926% | 6,240 |
| Assets per employee ($millions) | 4.3541% | 3,169 |
| Cash dividends to net income (ytd only)* | 77.8855% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 3,748 |
| Loan loss allowance to noncurrent loans | 147.4357% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0911% | 2,886 |
| Noncurrent loans to loans | 0.8958% | 3,462 |
| Net loans and leases to total assets | 84.0875% | 293 |
| Net loans and leases to deposits | 94.9214% | 887 |
| Net loans and leases to core deposits | 109.3601% | 718 |
| Total domestic deposits to total assets | 88.5865% | 1,590 |
| Equity capital to assets | 10.5118% | 3,431 |
| Core capital (leverage) ratio | 9.5416% | 4,262 |
| Tier 1 risk-based capital ratio | 10.8731% | 6,106 |
| Total risk-based capital ratio | 12.1263% | 6,047 |
| Memoranda: | ||
| Average total assets | $858,351,330 | 786 |
| Average earning assets | $807,218,330 | 758 |
| Average equity | $85,334,000 | 864 |
| Average total loans | $697,237,000 | 618 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5987% | 1,507 |
| Cost of funding earning assets | 0.3732% | 4,275 |
| Net interest margin | 4.2255% | 1,155 |
| Noninterest income to average assets | 0.8757% | 1,467 |
| Noninterest expense to average assets | 2.5238% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.3530% | 186 |
| Return on assets (ROA) | 2.3530% | 196 |
| Pretax return on assets | 2.3530% | 283 |
| Return on Equity (ROE) | 24.9582% | 119 |
| Retained earnings to average equity (ytd only) | -27.3830% | 6,607 |
| Net charge-offs to loans | -0.9149% | 6,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6885% | 6,153 |
| Assets per employee ($millions) | 4.3248% | 3,297 |
| Cash dividends to net income (ytd only)* | 209.7153% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 2,873 |
| Loan loss allowance to noncurrent loans | 509.8830% | 930 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 3,013 |
| Noncurrent loans to loans | 0.3065% | 5,192 |
| Net loans and leases to total assets | 84.6644% | 203 |
| Net loans and leases to deposits | 93.8138% | 813 |
| Net loans and leases to core deposits | 114.6319% | 443 |
| Total domestic deposits to total assets | 90.2473% | 940 |
| Equity capital to assets | 9.1316% | 4,968 |
| Core capital (leverage) ratio | 8.7777% | 5,289 |
| Tier 1 risk-based capital ratio | 9.9383% | 6,490 |
| Total risk-based capital ratio | 11.1958% | 6,464 |
| Memoranda: | ||
| Average total assets | $650,916,500 | 1,047 |
| Average earning assets | $616,353,500 | 1,012 |
| Average equity | $61,366,500 | 1,182 |
| Average total loans | $561,808,500 | 779 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 1,302 |
| Cost of funding earning assets | 0.4359% | 4,255 |
| Net interest margin | 4.3685% | 961 |
| Noninterest income to average assets | 0.7794% | 2,168 |
| Noninterest expense to average assets | 2.5956% | 4,483 |
| Loan and lease loss provision to assets | -0.4561% | 6,729 |
| Net operating income to assets | 2.7695% | 128 |
| Return on assets (ROA) | 2.7864% | 129 |
| Pretax return on assets | 2.7978% | 148 |
| Return on Equity (ROE) | 26.6578% | 106 |
| Retained earnings to average equity (ytd only) | -7.9949% | 6,493 |
| Net charge-offs to loans | -0.7983% | 6,752 |
| Credit loss provision to net charge-offs | 66.9792% | 3,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6895% | 6,233 |
| Assets per employee ($millions) | 4.2410% | 3,372 |
| Cash dividends to net income (ytd only)* | 129.9907% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 4,070 |
| Loan loss allowance to noncurrent loans | 428.9671% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 1.1171% | 3,170 |
| Noncurrent loans to loans | 0.3064% | 5,271 |
| Net loans and leases to total assets | 85.4720% | 181 |
| Net loans and leases to deposits | 96.9481% | 675 |
| Net loans and leases to core deposits | 117.4708% | 378 |
| Total domestic deposits to total assets | 88.1626% | 2,081 |
| Equity capital to assets | 9.7218% | 4,145 |
| Core capital (leverage) ratio | 9.2432% | 4,650 |
| Tier 1 risk-based capital ratio | 10.4017% | 6,400 |
| Total risk-based capital ratio | 11.6561% | 6,350 |
| Memoranda: | ||
| Average total assets | $657,803,400 | 1,014 |
| Average earning assets | $623,553,400 | 976 |
| Average equity | $68,756,600 | 1,039 |
| Average total loans | $561,077,200 | 748 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 1,409 |
| Cost of funding earning assets | 0.4491% | 4,285 |
| Net interest margin | 4.3243% | 1,038 |
| Noninterest income to average assets | 0.7419% | 2,405 |
| Noninterest expense to average assets | 2.5016% | 4,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.3260% | 207 |
| Return on assets (ROA) | 2.3484% | 216 |
| Pretax return on assets | 2.3636% | 291 |
| Return on Equity (ROE) | 22.0853% | 202 |
| Retained earnings to average equity (ytd only) | 9.1066% | 1,029 |
| Net charge-offs to loans | -0.8827% | 6,821 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5961% | 6,286 |
| Assets per employee ($millions) | 4.2904% | 3,245 |
| Cash dividends to net income (ytd only)* | 58.7663% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 2,653 |
| Loan loss allowance to noncurrent loans | 234.6855% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.2834% | 3,078 |
| Noncurrent loans to loans | 0.7203% | 4,411 |
| Net loans and leases to total assets | 85.0427% | 188 |
| Net loans and leases to deposits | 98.1200% | 562 |
| Net loans and leases to core deposits | 128.1185% | 213 |
| Total domestic deposits to total assets | 86.6721% | 2,876 |
| Equity capital to assets | 11.1681% | 2,599 |
| Core capital (leverage) ratio | 10.6862% | 2,805 |
| Tier 1 risk-based capital ratio | 12.0951% | 5,724 |
| Total risk-based capital ratio | 13.3539% | 5,649 |
| Memoranda: | ||
| Average total assets | $658,974,500 | 1,018 |
| Average earning assets | $624,886,250 | 981 |
| Average equity | $70,072,000 | 1,026 |
| Average total loans | $559,929,500 | 747 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 1,611 |
| Cost of funding earning assets | 0.4679% | 4,232 |
| Net interest margin | 4.2170% | 1,235 |
| Noninterest income to average assets | 0.7245% | 2,524 |
| Noninterest expense to average assets | 2.4858% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2191% | 247 |
| Return on assets (ROA) | 2.2528% | 251 |
| Pretax return on assets | 2.2756% | 363 |
| Return on Equity (ROE) | 21.5480% | 221 |
| Retained earnings to average equity (ytd only) | 1.7288% | 5,148 |
| Net charge-offs to loans | -0.3946% | 6,797 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5832% | 6,252 |
| Assets per employee ($millions) | 4.1384% | 3,498 |
| Cash dividends to net income (ytd only)* | 91.9768% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 4,829 |
| Loan loss allowance to noncurrent loans | 79.9093% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.5909% | 2,728 |
| Noncurrent loans to loans | 1.5414% | 2,990 |
| Net loans and leases to total assets | 85.4042% | 168 |
| Net loans and leases to deposits | 97.1090% | 598 |
| Net loans and leases to core deposits | 130.8401% | 180 |
| Total domestic deposits to total assets | 87.9467% | 2,283 |
| Equity capital to assets | 10.5168% | 3,280 |
| Core capital (leverage) ratio | 10.2359% | 3,176 |
| Tier 1 risk-based capital ratio | 11.5332% | 6,089 |
| Total risk-based capital ratio | 12.7564% | 6,072 |
| Memoranda: | ||
| Average total assets | $658,390,000 | 1,020 |
| Average earning assets | $624,942,670 | 980 |
| Average equity | $68,832,330 | 1,050 |
| Average total loans | $556,051,670 | 746 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 1,575 |
| Cost of funding earning assets | 0.5018% | 4,067 |
| Net interest margin | 4.1843% | 1,232 |
| Noninterest income to average assets | 0.7977% | 2,131 |
| Noninterest expense to average assets | 2.3714% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2510% | 220 |
| Return on assets (ROA) | 2.2510% | 246 |
| Pretax return on assets | 2.3944% | 312 |
| Return on Equity (ROE) | 21.7518% | 210 |
| Retained earnings to average equity (ytd only) | -19.3590% | 6,824 |
| Net charge-offs to loans | -0.4792% | 6,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7579% | 6,519 |
| Assets per employee ($millions) | 4.0689% | 3,804 |
| Cash dividends to net income (ytd only)* | 188.9997% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 5,324 |
| Loan loss allowance to noncurrent loans | 93.6202% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.5494% | 2,944 |
| Noncurrent loans to loans | 1.2495% | 3,686 |
| Net loans and leases to total assets | 84.5272% | 174 |
| Net loans and leases to deposits | 96.9463% | 494 |
| Net loans and leases to core deposits | 119.7050% | 289 |
| Total domestic deposits to total assets | 87.1898% | 2,841 |
| Equity capital to assets | 10.2576% | 3,850 |
| Core capital (leverage) ratio | 9.7182% | 3,774 |
| Tier 1 risk-based capital ratio | 10.9324% | 6,438 |
| Total risk-based capital ratio | 12.0618% | 6,454 |
| Memoranda: | ||
| Average total assets | $641,322,000 | 1,061 |
| Average earning assets | $608,180,000 | 1,023 |
| Average equity | $66,367,000 | 1,104 |
| Average total loans | $541,775,000 | 772 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 1,619 |
| Cost of funding earning assets | 0.6639% | 3,797 |
| Net interest margin | 4.3154% | 1,371 |
| Noninterest income to average assets | 0.9698% | 1,634 |
| Noninterest expense to average assets | 2.5455% | 4,944 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.3595% | 190 |
| Return on assets (ROA) | 2.3596% | 206 |
| Pretax return on assets | 2.5064% | 253 |
| Return on Equity (ROE) | 22.7271% | 195 |
| Retained earnings to average equity (ytd only) | 13.7852% | 211 |
| Net charge-offs to loans | -0.1858% | 6,930 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3891% | 6,570 |
| Assets per employee ($millions) | 4.2612% | 3,437 |
| Cash dividends to net income (ytd only)* | 39.3447% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 5,812 |
| Loan loss allowance to noncurrent loans | 64.3295% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.8548% | 2,631 |
| Noncurrent loans to loans | 1.6172% | 3,201 |
| Net loans and leases to total assets | 82.5939% | 291 |
| Net loans and leases to deposits | 96.3602% | 597 |
| Net loans and leases to core deposits | 124.3732% | 237 |
| Total domestic deposits to total assets | 85.7137% | 3,506 |
| Equity capital to assets | 10.4364% | 3,608 |
| Core capital (leverage) ratio | 10.2707% | 3,049 |
| Tier 1 risk-based capital ratio | 11.4989% | 6,106 |
| Total risk-based capital ratio | 12.5119% | 6,207 |
| Memoranda: | ||
| Average total assets | $610,519,000 | 1,086 |
| Average earning assets | $577,491,200 | 1,049 |
| Average equity | $63,387,000 | 1,118 |
| Average total loans | $496,307,200 | 830 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 1,574 |
| Cost of funding earning assets | 0.7130% | 3,653 |
| Net interest margin | 4.3301% | 1,397 |
| Noninterest income to average assets | 1.0233% | 1,446 |
| Noninterest expense to average assets | 2.4102% | 5,364 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.5564% | 159 |
| Return on assets (ROA) | 2.5568% | 167 |
| Pretax return on assets | 2.7150% | 209 |
| Return on Equity (ROE) | 24.6611% | 152 |
| Retained earnings to average equity (ytd only) | 15.7301% | 202 |
| Net charge-offs to loans | -0.0845% | 6,819 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0305% | 6,770 |
| Assets per employee ($millions) | 4.0536% | 3,763 |
| Cash dividends to net income (ytd only)* | 36.2151% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 6,114 |
| Loan loss allowance to noncurrent loans | 47.7977% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 2.4817% | 2,134 |
| Noncurrent loans to loans | 2.0762% | 2,765 |
| Net loans and leases to total assets | 81.7055% | 368 |
| Net loans and leases to deposits | 93.4718% | 827 |
| Net loans and leases to core deposits | 123.3510% | 260 |
| Total domestic deposits to total assets | 87.4119% | 2,413 |
| Equity capital to assets | 10.8713% | 3,419 |
| Core capital (leverage) ratio | 10.3916% | 3,047 |
| Tier 1 risk-based capital ratio | 11.8383% | 6,037 |
| Total risk-based capital ratio | 12.7882% | 6,179 |
| Memoranda: | ||
| Average total assets | $600,156,750 | 1,116 |
| Average earning assets | $568,476,750 | 1,071 |
| Average equity | $62,223,250 | 1,153 |
| Average total loans | $484,347,250 | 860 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 1,638 |
| Cost of funding earning assets | 0.7821% | 3,343 |
| Net interest margin | 4.2758% | 1,530 |
| Noninterest income to average assets | 1.1129% | 1,157 |
| Noninterest expense to average assets | 2.4057% | 5,438 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.5988% | 151 |
| Return on assets (ROA) | 2.5994% | 166 |
| Pretax return on assets | 2.7574% | 202 |
| Return on Equity (ROE) | 25.4994% | 140 |
| Retained earnings to average equity (ytd only) | 12.0818% | 567 |
| Net charge-offs to loans | -0.2099% | 7,005 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6002% | 6,852 |
| Assets per employee ($millions) | 3.9186% | 4,038 |
| Cash dividends to net income (ytd only)* | 52.6193% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 5,854 |
| Loan loss allowance to noncurrent loans | 38.1963% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 2.6836% | 2,059 |
| Noncurrent loans to loans | 2.8349% | 2,113 |
| Net loans and leases to total assets | 80.3511% | 469 |
| Net loans and leases to deposits | 91.6389% | 987 |
| Net loans and leases to core deposits | 116.1954% | 388 |
| Total domestic deposits to total assets | 87.6823% | 2,347 |
| Equity capital to assets | 10.5809% | 3,590 |
| Core capital (leverage) ratio | 9.9878% | 3,435 |
| Tier 1 risk-based capital ratio | 11.9032% | 5,992 |
| Total risk-based capital ratio | 12.9561% | 6,088 |
| Memoranda: | ||
| Average total assets | $594,827,000 | 1,125 |
| Average earning assets | $563,352,330 | 1,080 |
| Average equity | $60,636,670 | 1,178 |
| Average total loans | $476,306,000 | 867 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1047% | 1,560 |
| Cost of funding earning assets | 0.8920% | 2,753 |
| Net interest margin | 4.2127% | 1,729 |
| Noninterest income to average assets | 1.3411% | 793 |
| Noninterest expense to average assets | 2.2973% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.8532% | 117 |
| Return on assets (ROA) | 2.8532% | 141 |
| Pretax return on assets | 3.0194% | 182 |
| Return on Equity (ROE) | 28.5311% | 118 |
| Retained earnings to average equity (ytd only) | 1.1574% | 5,623 |
| Net charge-offs to loans | -0.3860% | 7,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2097% | 7,019 |
| Assets per employee ($millions) | 3.9672% | 4,085 |
| Cash dividends to net income (ytd only)* | 95.9434% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 5,876 |
| Loan loss allowance to noncurrent loans | 36.2097% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 2.7482% | 2,140 |
| Noncurrent loans to loans | 3.0596% | 2,103 |
| Net loans and leases to total assets | 77.9250% | 597 |
| Net loans and leases to deposits | 88.2460% | 1,136 |
| Net loans and leases to core deposits | 104.7976% | 729 |
| Total domestic deposits to total assets | 88.3043% | 2,128 |
| Equity capital to assets | 9.9691% | 4,160 |
| Core capital (leverage) ratio | 9.4450% | 4,124 |
| Tier 1 risk-based capital ratio | 11.3964% | 6,337 |
| Total risk-based capital ratio | 12.4578% | 6,422 |
| Memoranda: | ||
| Average total assets | $594,430,000 | 1,127 |
| Average earning assets | $560,976,500 | 1,093 |
| Average equity | $59,444,000 | 1,193 |
| Average total loans | $472,545,500 | 872 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 1,594 |
| Cost of funding earning assets | 1.2308% | 1,834 |
| Net interest margin | 4.1099% | 2,391 |
| Noninterest income to average assets | 0.8578% | 1,812 |
| Noninterest expense to average assets | 2.5552% | 5,264 |
| Loan and lease loss provision to assets | 0.6821% | 1,501 |
| Net operating income to assets | 1.4015% | 1,029 |
| Return on assets (ROA) | 1.4038% | 1,106 |
| Pretax return on assets | 1.4784% | 1,536 |
| Return on Equity (ROE) | 14.8771% | 765 |
| Retained earnings to average equity (ytd only) | 13.9163% | 176 |
| Net charge-offs to loans | 0.8714% | 1,991 |
| Credit loss provision to net charge-offs | 97.4827% | 3,690 |
| Earnings coverage of net charge-offs (x) | 3.0842% | 3,663 |
| Efficiency ratio | 54.1897% | 6,493 |
| Assets per employee ($millions) | 3.9585% | 3,957 |
| Cash dividends to net income (ytd only)* | 6.4584% | 3,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 6,245 |
| Loan loss allowance to noncurrent loans | 32.9417% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 3.2494% | 1,836 |
| Noncurrent loans to loans | 3.0211% | 2,152 |
| Net loans and leases to total assets | 79.3965% | 554 |
| Net loans and leases to deposits | 91.9065% | 978 |
| Net loans and leases to core deposits | 114.7902% | 472 |
| Total domestic deposits to total assets | 86.3884% | 3,085 |
| Equity capital to assets | 10.0313% | 4,129 |
| Core capital (leverage) ratio | 9.6667% | 3,789 |
| Tier 1 risk-based capital ratio | 11.1604% | 6,365 |
| Total risk-based capital ratio | 12.1114% | 6,507 |
| Memoranda: | ||
| Average total assets | $579,057,000 | 1,135 |
| Average earning assets | $543,228,800 | 1,099 |
| Average equity | $54,641,000 | 1,241 |
| Average total loans | $464,997,000 | 898 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3382% | 1,725 |
| Cost of funding earning assets | 1.2927% | 1,743 |
| Net interest margin | 4.0455% | 2,712 |
| Noninterest income to average assets | 0.8729% | 1,746 |
| Noninterest expense to average assets | 2.4644% | 5,575 |
| Loan and lease loss provision to assets | 0.9153% | 973 |
| Net operating income to assets | 1.2355% | 1,557 |
| Return on assets (ROA) | 1.2381% | 1,648 |
| Pretax return on assets | 1.2965% | 2,298 |
| Return on Equity (ROE) | 13.3379% | 1,199 |
| Retained earnings to average equity (ytd only) | 13.3379% | 350 |
| Net charge-offs to loans | 0.8314% | 1,912 |
| Credit loss provision to net charge-offs | 137.0576% | 2,322 |
| Earnings coverage of net charge-offs (x) | 3.3078% | 3,487 |
| Efficiency ratio | 52.7073% | 6,617 |
| Assets per employee ($millions) | 3.7609% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 5,172 |
| Loan loss allowance to noncurrent loans | 34.4709% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 3.8135% | 1,625 |
| Noncurrent loans to loans | 3.6725% | 1,864 |
| Net loans and leases to total assets | 80.6176% | 454 |
| Net loans and leases to deposits | 95.1808% | 747 |
| Net loans and leases to core deposits | 118.5750% | 426 |
| Total domestic deposits to total assets | 84.6994% | 3,913 |
| Equity capital to assets | 10.0210% | 4,313 |
| Core capital (leverage) ratio | 9.3842% | 4,331 |
| Tier 1 risk-based capital ratio | 11.0605% | 6,507 |
| Total risk-based capital ratio | 12.2864% | 6,505 |
| Memoranda: | ||
| Average total assets | $575,376,500 | 1,155 |
| Average earning assets | $540,540,250 | 1,117 |
| Average equity | $53,410,250 | 1,275 |
| Average total loans | $462,201,500 | 919 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1880% | 2,305 |
| Cost of funding earning assets | 1.3438% | 1,682 |
| Net interest margin | 3.8442% | 3,562 |
| Noninterest income to average assets | 0.8321% | 1,883 |
| Noninterest expense to average assets | 2.3905% | 5,871 |
| Loan and lease loss provision to assets | 1.0406% | 819 |
| Net operating income to assets | 0.9617% | 2,382 |
| Return on assets (ROA) | 0.9656% | 2,472 |
| Pretax return on assets | 1.0138% | 3,192 |
| Return on Equity (ROE) | 10.6834% | 1,903 |
| Retained earnings to average equity (ytd only) | 10.6834% | 726 |
| Net charge-offs to loans | 0.3925% | 2,990 |
| Credit loss provision to net charge-offs | 331.8584% | 921 |
| Earnings coverage of net charge-offs (x) | 6.5387% | 2,380 |
| Efficiency ratio | 53.8077% | 6,638 |
| Assets per employee ($millions) | 3.7295% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 4,200 |
| Loan loss allowance to noncurrent loans | 28.6487% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 4.8973% | 1,256 |
| Noncurrent loans to loans | 5.1841% | 1,246 |
| Net loans and leases to total assets | 81.1698% | 437 |
| Net loans and leases to deposits | 95.7998% | 741 |
| Net loans and leases to core deposits | 115.4179% | 527 |
| Total domestic deposits to total assets | 84.7285% | 4,004 |
| Equity capital to assets | 9.5610% | 4,722 |
| Core capital (leverage) ratio | 8.9586% | 4,790 |
| Tier 1 risk-based capital ratio | 10.4764% | 6,794 |
| Total risk-based capital ratio | 11.7328% | 6,795 |
| Memoranda: | ||
| Average total assets | $576,616,330 | 1,160 |
| Average earning assets | $541,289,670 | 1,118 |
| Average equity | $52,118,330 | 1,289 |
| Average total loans | $460,680,330 | 940 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 2,461 |
| Cost of funding earning assets | 1.4152% | 1,538 |
| Net interest margin | 3.7279% | 3,957 |
| Noninterest income to average assets | 0.8330% | 1,911 |
| Noninterest expense to average assets | 2.3038% | 6,172 |
| Loan and lease loss provision to assets | 1.5478% | 407 |
| Net operating income to assets | 0.4760% | 4,592 |
| Return on assets (ROA) | 0.4760% | 4,672 |
| Pretax return on assets | 0.4678% | 5,128 |
| Return on Equity (ROE) | 5.4192% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.4192% | 2,949 |
| Net charge-offs to loans | 0.9224% | 1,445 |
| Credit loss provision to net charge-offs | 213.2701% | 1,409 |
| Earnings coverage of net charge-offs (x) | 2.7773% | 2,971 |
| Efficiency ratio | 53.3047% | 6,762 |
| Assets per employee ($millions) | 3.9148% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 4,911 |
| Loan loss allowance to noncurrent loans | 31.4457% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 3.9007% | 1,712 |
| Noncurrent loans to loans | 4.2850% | 1,662 |
| Net loans and leases to total assets | 75.7615% | 1,061 |
| Net loans and leases to deposits | 87.4351% | 1,526 |
| Net loans and leases to core deposits | 109.6893% | 742 |
| Total domestic deposits to total assets | 86.6488% | 3,151 |
| Equity capital to assets | 8.8334% | 5,442 |
| Core capital (leverage) ratio | 8.3768% | 5,673 |
| Tier 1 risk-based capital ratio | 10.3760% | 6,877 |
| Total risk-based capital ratio | 11.6305% | 6,853 |
| Memoranda: | ||
| Average total assets | $581,481,000 | 1,156 |
| Average earning assets | $543,797,000 | 1,122 |
| Average equity | $51,077,500 | 1,306 |
| Average total loans | $457,481,500 | 959 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7217% | 1,494 |
| Cost of funding earning assets | 1.7243% | 1,486 |
| Net interest margin | 3.9973% | 3,031 |
| Noninterest income to average assets | 0.8710% | 1,971 |
| Noninterest expense to average assets | 2.5222% | 5,710 |
| Loan and lease loss provision to assets | 1.2534% | 1,239 |
| Net operating income to assets | 0.7665% | 2,931 |
| Return on assets (ROA) | 0.7693% | 3,045 |
| Pretax return on assets | 0.8359% | 3,519 |
| Return on Equity (ROE) | 8.6477% | 2,447 |
| Retained earnings to average equity (ytd only) | 6.4257% | 1,603 |
| Net charge-offs to loans | 1.7188% | 1,259 |
| Credit loss provision to net charge-offs | 89.2172% | 5,160 |
| Earnings coverage of net charge-offs (x) | 1.4850% | 4,640 |
| Efficiency ratio | 54.7025% | 6,743 |
| Assets per employee ($millions) | 3.9166% | 3,972 |
| Cash dividends to net income (ytd only)* | 25.6949% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 6,206 |
| Loan loss allowance to noncurrent loans | 47.2939% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 2.2755% | 2,997 |
| Noncurrent loans to loans | 2.1919% | 3,325 |
| Net loans and leases to total assets | 79.7309% | 694 |
| Net loans and leases to deposits | 92.0593% | 1,263 |
| Net loans and leases to core deposits | 119.3090% | 552 |
| Total domestic deposits to total assets | 86.6081% | 3,025 |
| Equity capital to assets | 8.7344% | 5,535 |
| Core capital (leverage) ratio | 8.3818% | 5,574 |
| Tier 1 risk-based capital ratio | 9.9587% | 6,999 |
| Total risk-based capital ratio | 10.9635% | 7,078 |
| Memoranda: | ||
| Average total assets | $556,507,800 | 1,208 |
| Average earning assets | $520,319,800 | 1,180 |
| Average equity | $49,504,600 | 1,351 |
| Average total loans | $454,848,400 | 990 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7707% | 1,482 |
| Cost of funding earning assets | 1.7771% | 1,524 |
| Net interest margin | 3.9936% | 3,135 |
| Noninterest income to average assets | 0.8825% | 1,865 |
| Noninterest expense to average assets | 2.4956% | 5,727 |
| Loan and lease loss provision to assets | 1.1802% | 1,221 |
| Net operating income to assets | 0.8643% | 2,768 |
| Return on assets (ROA) | 0.8672% | 2,885 |
| Pretax return on assets | 0.9498% | 3,368 |
| Return on Equity (ROE) | 9.7024% | 2,247 |
| Retained earnings to average equity (ytd only) | 8.0772% | 1,398 |
| Net charge-offs to loans | 0.7023% | 2,659 |
| Credit loss provision to net charge-offs | 204.8319% | 1,731 |
| Earnings coverage of net charge-offs (x) | 3.6912% | 3,334 |
| Efficiency ratio | 53.9622% | 6,792 |
| Assets per employee ($millions) | 3.9591% | 3,922 |
| Cash dividends to net income (ytd only)* | 16.7504% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 2,899 |
| Loan loss allowance to noncurrent loans | 39.3694% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 3.6951% | 1,926 |
| Noncurrent loans to loans | 4.4940% | 1,605 |
| Net loans and leases to total assets | 79.6518% | 798 |
| Net loans and leases to deposits | 92.5460% | 1,378 |
| Net loans and leases to core deposits | 123.0841% | 523 |
| Total domestic deposits to total assets | 86.0673% | 3,039 |
| Equity capital to assets | 8.9527% | 5,648 |
| Core capital (leverage) ratio | 8.5297% | 5,454 |
| Tier 1 risk-based capital ratio | 10.0345% | 7,050 |
| Total risk-based capital ratio | 11.2911% | 7,035 |
| Memoranda: | ||
| Average total assets | $550,722,250 | 1,225 |
| Average earning assets | $515,741,250 | 1,202 |
| Average equity | $49,223,500 | 1,368 |
| Average total loans | $451,810,250 | 1,000 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7329% | 1,632 |
| Cost of funding earning assets | 1.8412% | 1,479 |
| Net interest margin | 3.8917% | 3,484 |
| Noninterest income to average assets | 0.9003% | 1,689 |
| Noninterest expense to average assets | 2.5106% | 5,684 |
| Loan and lease loss provision to assets | 1.4056% | 954 |
| Net operating income to assets | 0.5503% | 4,093 |
| Return on assets (ROA) | 0.5545% | 4,210 |
| Pretax return on assets | 0.6247% | 4,489 |
| Return on Equity (ROE) | 6.2076% | 3,690 |
| Retained earnings to average equity (ytd only) | 3.7394% | 3,722 |
| Net charge-offs to loans | 1.0060% | 1,851 |
| Credit loss provision to net charge-offs | 169.6231% | 2,306 |
| Earnings coverage of net charge-offs (x) | 2.4443% | 3,772 |
| Efficiency ratio | 55.3224% | 6,725 |
| Assets per employee ($millions) | 3.7543% | 4,335 |
| Cash dividends to net income (ytd only)* | 39.7614% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 3,455 |
| Loan loss allowance to noncurrent loans | 47.2050% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 2.8570% | 2,528 |
| Noncurrent loans to loans | 3.3844% | 2,358 |
| Net loans and leases to total assets | 81.5125% | 595 |
| Net loans and leases to deposits | 95.1010% | 1,137 |
| Net loans and leases to core deposits | 126.3285% | 502 |
| Total domestic deposits to total assets | 85.7115% | 3,256 |
| Equity capital to assets | 8.9172% | 5,578 |
| Core capital (leverage) ratio | 8.3835% | 5,606 |
| Tier 1 risk-based capital ratio | 9.7881% | 7,141 |
| Total risk-based capital ratio | 11.0419% | 7,119 |
| Memoranda: | ||
| Average total assets | $544,261,330 | 1,252 |
| Average earning assets | $508,465,000 | 1,222 |
| Average equity | $48,618,000 | 1,380 |
| Average total loans | $448,321,000 | 1,016 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8117% | 1,421 |
| Cost of funding earning assets | 1.9547% | 1,230 |
| Net interest margin | 3.8570% | 3,529 |
| Noninterest income to average assets | 0.9640% | 1,408 |
| Noninterest expense to average assets | 2.5498% | 5,551 |
| Loan and lease loss provision to assets | 0.2397% | 4,125 |
| Net operating income to assets | 1.6743% | 649 |
| Return on assets (ROA) | 1.6743% | 698 |
| Pretax return on assets | 1.7488% | 971 |
| Return on Equity (ROE) | 18.7263% | 459 |
| Retained earnings to average equity (ytd only) | 13.7766% | 532 |
| Net charge-offs to loans | 0.0548% | 4,854 |
| Credit loss provision to net charge-offs | 532.7869% | 795 |
| Earnings coverage of net charge-offs (x) | 44.1967% | 625 |
| Efficiency ratio | 56.1515% | 6,742 |
| Assets per employee ($millions) | 3.7466% | 4,443 |
| Cash dividends to net income (ytd only)* | 26.4317% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 4,846 |
| Loan loss allowance to noncurrent loans | 45.0265% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 2.5028% | 2,905 |
| Noncurrent loans to loans | 2.9217% | 2,756 |
| Net loans and leases to total assets | 82.7001% | 509 |
| Net loans and leases to deposits | 100.8266% | 708 |
| Net loans and leases to core deposits | 126.6592% | 568 |
| Total domestic deposits to total assets | 82.0221% | 5,065 |
| Equity capital to assets | 9.1573% | 5,054 |
| Core capital (leverage) ratio | 8.6300% | 5,154 |
| Tier 1 risk-based capital ratio | 9.8457% | 7,120 |
| Total risk-based capital ratio | 11.0696% | 7,137 |
| Memoranda: | ||
| Average total assets | $542,326,000 | 1,291 |
| Average earning assets | $502,571,500 | 1,276 |
| Average equity | $48,488,000 | 1,386 |
| Average total loans | $445,456,500 | 1,048 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8965% | 2,250 |
| Cost of funding earning assets | 2.3980% | 1,308 |
| Net interest margin | 3.4985% | 4,961 |
| Noninterest income to average assets | 0.9609% | 1,700 |
| Noninterest expense to average assets | 2.4382% | 6,343 |
| Loan and lease loss provision to assets | 3.1112% | 543 |
| Net operating income to assets | -1.2257% | 6,723 |
| Return on assets (ROA) | -1.2247% | 6,722 |
| Pretax return on assets | -1.3139% | 6,600 |
| Return on Equity (ROE) | -13.5248% | 6,857 |
| Retained earnings to average equity (ytd only) | -19.4793% | 7,092 |
| Net charge-offs to loans | 3.4603% | 564 |
| Credit loss provision to net charge-offs | 107.1627% | 5,170 |
| Earnings coverage of net charge-offs (x) | 0.6187% | 5,480 |
| Efficiency ratio | 57.5501% | 6,825 |
| Assets per employee ($millions) | 3.7338% | 4,442 |
| Cash dividends to net income (ytd only)* | -44.0263% | 7,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 4,795 |
| Loan loss allowance to noncurrent loans | 50.4751% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 2.1195% | 3,245 |
| Noncurrent loans to loans | 2.5664% | 2,992 |
| Net loans and leases to total assets | 79.4482% | 1,103 |
| Net loans and leases to deposits | 92.2982% | 1,851 |
| Net loans and leases to core deposits | 110.5871% | 2,831 |
| Total domestic deposits to total assets | 86.0778% | 2,978 |
| Equity capital to assets | 8.7265% | 5,554 |
| Core capital (leverage) ratio | 8.0554% | 6,073 |
| Tier 1 risk-based capital ratio | 9.8044% | 7,017 |
| Total risk-based capital ratio | 11.0465% | 7,008 |
| Memoranda: | ||
| Average total assets | $546,765,200 | 1,268 |
| Average earning assets | $511,588,200 | 1,231 |
| Average equity | $49,509,000 | 1,361 |
| Average total loans | $458,750,600 | 1,048 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8557% | 2,643 |
| Cost of funding earning assets | 2.4444% | 1,472 |
| Net interest margin | 3.4114% | 5,212 |
| Noninterest income to average assets | 1.0492% | 1,444 |
| Noninterest expense to average assets | 2.4506% | 6,247 |
| Loan and lease loss provision to assets | 0.5312% | 3,258 |
| Net operating income to assets | 1.1975% | 1,472 |
| Return on assets (ROA) | 1.1989% | 1,526 |
| Pretax return on assets | 1.2856% | 1,984 |
| Return on Equity (ROE) | 13.1214% | 1,095 |
| Retained earnings to average equity (ytd only) | 5.2592% | 2,337 |
| Net charge-offs to loans | -0.0017% | 7,588 |
| Credit loss provision to net charge-offs | -36,333.3333% | 7,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4170% | 6,802 |
| Assets per employee ($millions) | 3.8991% | 3,943 |
| Cash dividends to net income (ytd only)* | 59.9187% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 3,831 |
| Loan loss allowance to noncurrent loans | 32.5140% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 3.8018% | 1,706 |
| Noncurrent loans to loans | 4.3710% | 1,620 |
| Net loans and leases to total assets | 83.1787% | 647 |
| Net loans and leases to deposits | 99.1613% | 1,195 |
| Net loans and leases to core deposits | 117.9262% | 2,424 |
| Total domestic deposits to total assets | 83.8822% | 3,780 |
| Equity capital to assets | 9.5942% | 4,627 |
| Core capital (leverage) ratio | 9.2188% | 4,307 |
| Tier 1 risk-based capital ratio | 10.3469% | 6,624 |
| Total risk-based capital ratio | 11.5971% | 6,569 |
| Memoranda: | ||
| Average total assets | $547,172,750 | 1,280 |
| Average earning assets | $515,950,000 | 1,238 |
| Average equity | $49,993,500 | 1,369 |
| Average total loans | $463,742,250 | 1,054 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9641% | 2,328 |
| Cost of funding earning assets | 2.5278% | 1,514 |
| Net interest margin | 3.4363% | 5,041 |
| Noninterest income to average assets | 0.9458% | 1,775 |
| Noninterest expense to average assets | 2.4414% | 6,329 |
| Loan and lease loss provision to assets | 0.8038% | 2,080 |
| Net operating income to assets | 0.8270% | 2,749 |
| Return on assets (ROA) | 0.8267% | 2,846 |
| Pretax return on assets | 0.9399% | 3,211 |
| Return on Equity (ROE) | 9.2071% | 2,285 |
| Retained earnings to average equity (ytd only) | -2.7966% | 5,931 |
| Net charge-offs to loans | -0.0200% | 7,697 |
| Credit loss provision to net charge-offs | -4,739.1304% | 7,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3032% | 6,811 |
| Assets per employee ($millions) | 3.7604% | 4,193 |
| Cash dividends to net income (ytd only)* | 130.3747% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 3,412 |
| Loan loss allowance to noncurrent loans | 107.6275% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.2712% | 4,395 |
| Noncurrent loans to loans | 1.3570% | 4,497 |
| Net loans and leases to total assets | 83.8081% | 661 |
| Net loans and leases to deposits | 100.7867% | 1,199 |
| Net loans and leases to core deposits | 117.8291% | 2,553 |
| Total domestic deposits to total assets | 83.1539% | 4,168 |
| Equity capital to assets | 9.2300% | 4,963 |
| Core capital (leverage) ratio | 9.0670% | 4,520 |
| Tier 1 risk-based capital ratio | 9.9672% | 6,965 |
| Total risk-based capital ratio | 11.2179% | 6,893 |
| Memoranda: | ||
| Average total assets | $542,404,670 | 1,304 |
| Average earning assets | $511,359,670 | 1,263 |
| Average equity | $48,701,670 | 1,416 |
| Average total loans | $460,402,330 | 1,084 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9610% | 2,519 |
| Cost of funding earning assets | 2.6387% | 1,455 |
| Net interest margin | 3.3223% | 5,428 |
| Noninterest income to average assets | 0.9790% | 1,547 |
| Noninterest expense to average assets | 2.4104% | 6,156 |
| Loan and lease loss provision to assets | 0.1072% | 5,593 |
| Net operating income to assets | 1.4802% | 973 |
| Return on assets (ROA) | 1.4795% | 1,049 |
| Pretax return on assets | 1.5867% | 1,440 |
| Return on Equity (ROE) | 16.7137% | 720 |
| Retained earnings to average equity (ytd only) | -7.4923% | 6,852 |
| Net charge-offs to loans | -0.2049% | 8,013 |
| Credit loss provision to net charge-offs | -61.7021% | 6,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6816% | 6,595 |
| Assets per employee ($millions) | 3.7578% | 4,210 |
| Cash dividends to net income (ytd only)* | 144.8276% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 5,622 |
| Loan loss allowance to noncurrent loans | 103.5084% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 4,585 |
| Noncurrent loans to loans | 1.0411% | 4,905 |
| Net loans and leases to total assets | 84.1669% | 666 |
| Net loans and leases to deposits | 102.1361% | 1,167 |
| Net loans and leases to core deposits | 117.4894% | 2,641 |
| Total domestic deposits to total assets | 82.4066% | 4,406 |
| Equity capital to assets | 9.3620% | 4,854 |
| Core capital (leverage) ratio | 9.0017% | 4,713 |
| Tier 1 risk-based capital ratio | 10.0066% | 6,914 |
| Total risk-based capital ratio | 11.0273% | 7,078 |
| Memoranda: | ||
| Average total assets | $540,980,500 | 1,307 |
| Average earning assets | $509,039,500 | 1,269 |
| Average equity | $47,889,000 | 1,437 |
| Average total loans | $458,734,000 | 1,096 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6497% | 2,247 |
| Cost of funding earning assets | 3.3446% | 820 |
| Net interest margin | 3.3052% | 6,017 |
| Noninterest income to average assets | 1.3491% | 792 |
| Noninterest expense to average assets | 2.5983% | 5,661 |
| Loan and lease loss provision to assets | 0.2993% | 3,979 |
| Net operating income to assets | 1.4167% | 1,191 |
| Return on assets (ROA) | 1.3987% | 1,185 |
| Pretax return on assets | 1.5015% | 1,683 |
| Return on Equity (ROE) | 16.8039% | 659 |
| Retained earnings to average equity (ytd only) | 7.8425% | 890 |
| Net charge-offs to loans | 0.2194% | 4,035 |
| Credit loss provision to net charge-offs | 162.8009% | 3,169 |
| Earnings coverage of net charge-offs (x) | 9.8993% | 2,614 |
| Efficiency ratio | 58.7734% | 6,564 |
| Assets per employee ($millions) | 3.8352% | 3,890 |
| Cash dividends to net income (ytd only)* | 53.3295% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 6,158 |
| Loan loss allowance to noncurrent loans | 239.9472% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 6,074 |
| Noncurrent loans to loans | 0.4117% | 6,110 |
| Net loans and leases to total assets | 83.6787% | 939 |
| Net loans and leases to deposits | 104.0251% | 1,340 |
| Net loans and leases to core deposits | 122.1524% | 2,494 |
| Total domestic deposits to total assets | 80.4409% | 4,854 |
| Equity capital to assets | 8.3492% | 6,347 |
| Core capital (leverage) ratio | 8.2913% | 5,968 |
| Tier 1 risk-based capital ratio | 9.1295% | 7,683 |
| Total risk-based capital ratio | 10.0740% | 7,941 |
| Memoranda: | ||
| Average total assets | $497,090,000 | 1,361 |
| Average earning assets | $461,642,600 | 1,350 |
| Average equity | $41,377,200 | 1,617 |
| Average total loans | $416,614,800 | 1,150 |