Home > Commercial Bank of Texas > Performance and Condition Ratios
Commercial Bank of Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 2,783 |
| Cost of funding earning assets | 1.1343% | 2,975 |
| Net interest margin | 3.5186% | 2,145 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 2.7936% | 1,516 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.2187% | 1,607 |
| Return on assets (ROA) | 1.2002% | 1,626 |
| Pretax return on assets | 1.4914% | 1,444 |
| Return on Equity (ROE) | 16.0700% | 1,084 |
| Retained earnings to average equity (ytd only) | 14.6594% | 351 |
| Net charge-offs to loans | 0.0833% | 1,031 |
| Credit loss provision to net charge-offs | 110.3448% | 1,754 |
| Earnings coverage of net charge-offs (x) | 29.0345% | 1,653 |
| Efficiency ratio | 62.9155% | 2,738 |
| Assets per employee ($millions) | 5.5130% | 3,241 |
| Cash dividends to net income (ytd only)* | 8.7748% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6559% | 749 |
| Loan loss allowance to noncurrent loans | 1,427.3585% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 2,867 |
| Noncurrent loans to loans | 0.1160% | 2,942 |
| Net loans and leases to total assets | 66.5300% | 2,197 |
| Net loans and leases to deposits | 73.1873% | 2,679 |
| Net loans and leases to core deposits | 77.6629% | 2,866 |
| Total domestic deposits to total assets | 90.9000% | 534 |
| Equity capital to assets | 8.3520% | 3,158 |
| Core capital (leverage) ratio | 9.7545% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7508% | 1,330 |
| Memoranda: | ||
| Average total assets | $1,336,960,200 | 782 |
| Average earning assets | $1,247,572,800 | 768 |
| Average equity | $99,853,800 | 949 |
| Average total loans | $869,860,400 | 812 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 2,837 |
| Cost of funding earning assets | 1.0290% | 2,954 |
| Net interest margin | 3.5052% | 2,197 |
| Noninterest income to average assets | 1.1000% | 555 |
| Noninterest expense to average assets | 2.7864% | 1,466 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2182% | 1,741 |
| Return on assets (ROA) | 1.1914% | 1,806 |
| Pretax return on assets | 1.4799% | 1,603 |
| Return on Equity (ROE) | 16.4400% | 1,178 |
| Retained earnings to average equity (ytd only) | 14.8572% | 577 |
| Net charge-offs to loans | 0.0621% | 1,042 |
| Credit loss provision to net charge-offs | 175.0000% | 1,211 |
| Earnings coverage of net charge-offs (x) | 39.5825% | 1,451 |
| Efficiency ratio | 62.6699% | 2,644 |
| Assets per employee ($millions) | 5.4675% | 3,211 |
| Cash dividends to net income (ytd only)* | 9.6509% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 651 |
| Loan loss allowance to noncurrent loans | 1,078.2303% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,466 |
| Noncurrent loans to loans | 0.1614% | 2,744 |
| Net loans and leases to total assets | 64.7100% | 2,368 |
| Net loans and leases to deposits | 70.3652% | 2,821 |
| Net loans and leases to core deposits | 73.9310% | 2,998 |
| Total domestic deposits to total assets | 91.9600% | 457 |
| Equity capital to assets | 7.4041% | 3,411 |
| Core capital (leverage) ratio | 9.5609% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6809% | 1,386 |
| Memoranda: | ||
| Average total assets | $1,333,532,000 | 787 |
| Average earning assets | $1,244,578,750 | 770 |
| Average equity | $96,615,250 | 968 |
| Average total loans | $858,900,250 | 821 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 2,881 |
| Cost of funding earning assets | 0.9022% | 2,920 |
| Net interest margin | 3.4998% | 2,264 |
| Noninterest income to average assets | 1.0500% | 525 |
| Noninterest expense to average assets | 2.7296% | 1,580 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.2005% | 1,831 |
| Return on assets (ROA) | 1.1623% | 1,939 |
| Pretax return on assets | 1.4451% | 1,711 |
| Return on Equity (ROE) | 16.1600% | 1,238 |
| Retained earnings to average equity (ytd only) | 15.1170% | 548 |
| Net charge-offs to loans | 0.0407% | 1,114 |
| Credit loss provision to net charge-offs | 375.7225% | 754 |
| Earnings coverage of net charge-offs (x) | 61.2081% | 1,188 |
| Efficiency ratio | 62.0089% | 2,715 |
| Assets per employee ($millions) | 5.5212% | 3,131 |
| Cash dividends to net income (ytd only)* | 6.4616% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 653 |
| Loan loss allowance to noncurrent loans | 938.4290% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 2,574 |
| Noncurrent loans to loans | 0.1889% | 2,522 |
| Net loans and leases to total assets | 64.4000% | 2,347 |
| Net loans and leases to deposits | 71.3235% | 2,694 |
| Net loans and leases to core deposits | 74.6060% | 2,850 |
| Total domestic deposits to total assets | 90.2900% | 846 |
| Equity capital to assets | 7.4103% | 3,576 |
| Core capital (leverage) ratio | 9.2527% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2609% | 1,493 |
| Memoranda: | ||
| Average total assets | $1,331,529,667 | 777 |
| Average earning assets | $1,243,158,667 | 761 |
| Average equity | $95,760,000 | 970 |
| Average total loans | $851,154,667 | 813 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 3,018 |
| Cost of funding earning assets | 0.7159% | 3,003 |
| Net interest margin | 3.4932% | 2,384 |
| Noninterest income to average assets | 1.0100% | 565 |
| Noninterest expense to average assets | 2.7384% | 1,575 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1892% | 1,959 |
| Return on assets (ROA) | 1.1104% | 2,158 |
| Pretax return on assets | 1.3789% | 1,940 |
| Return on Equity (ROE) | 15.6800% | 1,425 |
| Retained earnings to average equity (ytd only) | 14.6175% | 854 |
| Net charge-offs to loans | 0.0601% | 776 |
| Credit loss provision to net charge-offs | 158.7302% | 921 |
| Earnings coverage of net charge-offs (x) | 40.5159% | 1,185 |
| Efficiency ratio | 62.7244% | 2,606 |
| Assets per employee ($millions) | 5.4931% | 3,230 |
| Cash dividends to net income (ytd only)* | 6.7751% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 680 |
| Loan loss allowance to noncurrent loans | 750.3968% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,464 |
| Noncurrent loans to loans | 0.2375% | 2,312 |
| Net loans and leases to total assets | 61.7000% | 2,490 |
| Net loans and leases to deposits | 67.0601% | 2,846 |
| Net loans and leases to core deposits | 70.0072% | 2,955 |
| Total domestic deposits to total assets | 92.0100% | 513 |
| Equity capital to assets | 7.3544% | 3,644 |
| Core capital (leverage) ratio | 9.0011% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0535% | 1,609 |
| Memoranda: | ||
| Average total assets | $1,329,223,500 | 789 |
| Average earning assets | $1,240,910,000 | 778 |
| Average equity | $94,134,000 | 993 |
| Average total loans | $838,719,500 | 836 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 2,591 |
| Cost of funding earning assets | 0.2254% | 3,549 |
| Net interest margin | 3.4525% | 2,091 |
| Noninterest income to average assets | 1.1500% | 508 |
| Noninterest expense to average assets | 2.7425% | 1,458 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2652% | 1,545 |
| Return on assets (ROA) | 1.2605% | 1,513 |
| Pretax return on assets | 1.5638% | 1,257 |
| Return on Equity (ROE) | 17.7000% | 748 |
| Retained earnings to average equity (ytd only) | 10.4224% | 1,035 |
| Net charge-offs to loans | 0.2049% | 406 |
| Credit loss provision to net charge-offs | 56.9981% | 1,794 |
| Earnings coverage of net charge-offs (x) | 13.4623% | 2,067 |
| Efficiency ratio | 61.0780% | 2,899 |
| Assets per employee ($millions) | 5.4239% | 3,288 |
| Cash dividends to net income (ytd only)* | 41.1070% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 639 |
| Loan loss allowance to noncurrent loans | 682.0199% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,355 |
| Noncurrent loans to loans | 0.2665% | 2,200 |
| Net loans and leases to total assets | 62.2400% | 2,409 |
| Net loans and leases to deposits | 67.2784% | 2,788 |
| Net loans and leases to core deposits | 69.5502% | 2,909 |
| Total domestic deposits to total assets | 92.5000% | 521 |
| Equity capital to assets | 6.8001% | 3,770 |
| Core capital (leverage) ratio | 8.8752% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9847% | 1,633 |
| Memoranda: | ||
| Average total assets | $1,297,073,200 | 792 |
| Average earning assets | $1,212,620,800 | 784 |
| Average equity | $92,387,600 | 1,002 |
| Average total loans | $770,729,200 | 837 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 2,495 |
| Cost of funding earning assets | 0.1734% | 3,586 |
| Net interest margin | 3.3643% | 2,087 |
| Noninterest income to average assets | 1.1700% | 523 |
| Noninterest expense to average assets | 2.6865% | 1,500 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2616% | 1,486 |
| Return on assets (ROA) | 1.2567% | 1,470 |
| Pretax return on assets | 1.5586% | 1,234 |
| Return on Equity (ROE) | 17.4400% | 719 |
| Retained earnings to average equity (ytd only) | 8.1860% | 1,932 |
| Net charge-offs to loans | 0.1943% | 340 |
| Credit loss provision to net charge-offs | 58.9837% | 1,496 |
| Earnings coverage of net charge-offs (x) | 14.3748% | 1,864 |
| Efficiency ratio | 60.6130% | 3,035 |
| Assets per employee ($millions) | 5.2809% | 3,436 |
| Cash dividends to net income (ytd only)* | 53.0733% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 633 |
| Loan loss allowance to noncurrent loans | 566.3579% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 2,202 |
| Noncurrent loans to loans | 0.3308% | 2,042 |
| Net loans and leases to total assets | 61.8800% | 2,305 |
| Net loans and leases to deposits | 66.5835% | 2,669 |
| Net loans and leases to core deposits | 68.2871% | 2,776 |
| Total domestic deposits to total assets | 92.9400% | 595 |
| Equity capital to assets | 6.5417% | 3,719 |
| Core capital (leverage) ratio | 8.7096% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5848% | 1,851 |
| Memoranda: | ||
| Average total assets | $1,294,554,000 | 800 |
| Average earning assets | $1,211,936,000 | 791 |
| Average equity | $93,262,500 | 1,011 |
| Average total loans | $756,270,250 | 850 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 2,440 |
| Cost of funding earning assets | 0.1748% | 3,253 |
| Net interest margin | 3.2237% | 2,117 |
| Noninterest income to average assets | 1.1719% | 496 |
| Noninterest expense to average assets | 2.6197% | 1,579 |
| Loan and lease loss provision to assets | 0.0386% | 1,894 |
| Net operating income to assets | 1.2362% | 1,312 |
| Return on assets (ROA) | 1.2300% | 1,311 |
| Pretax return on assets | 1.5281% | 1,105 |
| Return on Equity (ROE) | 16.5659% | 630 |
| Retained earnings to average equity (ytd only) | 3.6032% | 3,234 |
| Net charge-offs to loans | 0.1611% | 394 |
| Credit loss provision to net charge-offs | 42.1585% | 1,525 |
| Earnings coverage of net charge-offs (x) | 17.1889% | 1,606 |
| Efficiency ratio | 60.7668% | 3,210 |
| Assets per employee ($millions) | 5.1555% | 3,541 |
| Cash dividends to net income (ytd only)* | 78.2494% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 565 |
| Loan loss allowance to noncurrent loans | 630.9426% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 2,406 |
| Noncurrent loans to loans | 0.3156% | 2,212 |
| Net loans and leases to total assets | 58.5529% | 2,471 |
| Net loans and leases to deposits | 63.0442% | 2,801 |
| Net loans and leases to core deposits | 64.3605% | 2,938 |
| Total domestic deposits to total assets | 92.8760% | 547 |
| Equity capital to assets | 6.6583% | 3,950 |
| Core capital (leverage) ratio | 9.9193% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7413% | 1,787 |
| Memoranda: | ||
| Average total assets | $1,294,799,000 | 799 |
| Average earning assets | $1,213,885,667 | 789 |
| Average equity | $96,137,333 | 989 |
| Average total loans | $736,374,333 | 856 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2659% | 2,487 |
| Cost of funding earning assets | 0.1799% | 3,089 |
| Net interest margin | 3.0860% | 2,217 |
| Noninterest income to average assets | 1.1810% | 497 |
| Noninterest expense to average assets | 2.5711% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2180% | 1,207 |
| Return on assets (ROA) | 1.2140% | 1,201 |
| Pretax return on assets | 1.5084% | 1,003 |
| Return on Equity (ROE) | 15.5489% | 578 |
| Retained earnings to average equity (ytd only) | -8.1285% | 4,529 |
| Net charge-offs to loans | 0.2117% | 291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 12.8947% | 1,408 |
| Efficiency ratio | 61.0359% | 3,372 |
| Assets per employee ($millions) | 5.3054% | 3,481 |
| Cash dividends to net income (ytd only)* | 152.2768% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1298% | 501 |
| Loan loss allowance to noncurrent loans | 672.4168% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 2,577 |
| Noncurrent loans to loans | 0.3167% | 2,335 |
| Net loans and leases to total assets | 53.6387% | 2,807 |
| Net loans and leases to deposits | 58.0564% | 3,073 |
| Net loans and leases to core deposits | 59.2539% | 3,208 |
| Total domestic deposits to total assets | 92.3908% | 437 |
| Equity capital to assets | 7.1095% | 4,154 |
| Core capital (leverage) ratio | 9.4335% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3691% | 1,677 |
| Memoranda: | ||
| Average total assets | $1,295,183,500 | 804 |
| Average earning assets | $1,218,539,000 | 796 |
| Average equity | $101,126,000 | 984 |
| Average total loans | $718,018,000 | 861 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6100% | 2,363 |
| Cost of funding earning assets | 0.2115% | 3,352 |
| Net interest margin | 3.3985% | 2,040 |
| Noninterest income to average assets | 1.3805% | 572 |
| Noninterest expense to average assets | 2.7939% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3852% | 1,331 |
| Return on assets (ROA) | 1.3845% | 1,386 |
| Pretax return on assets | 1.7671% | 983 |
| Return on Equity (ROE) | 15.7604% | 793 |
| Retained earnings to average equity (ytd only) | 9.2785% | 1,108 |
| Net charge-offs to loans | 0.1005% | 854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 30.5632% | 1,591 |
| Efficiency ratio | 59.3526% | 3,248 |
| Assets per employee ($millions) | 5.8469% | 2,909 |
| Cash dividends to net income (ytd only)* | 41.1280% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 451 |
| Loan loss allowance to noncurrent loans | 576.2358% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 2,490 |
| Noncurrent loans to loans | 0.3820% | 2,221 |
| Net loans and leases to total assets | 54.8548% | 2,745 |
| Net loans and leases to deposits | 60.3601% | 3,046 |
| Net loans and leases to core deposits | 61.7684% | 3,186 |
| Total domestic deposits to total assets | 90.8793% | 537 |
| Equity capital to assets | 8.5288% | 4,035 |
| Core capital (leverage) ratio | 10.1320% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7077% | 1,613 |
| Memoranda: | ||
| Average total assets | $1,175,568,400 | 842 |
| Average earning assets | $1,100,423,600 | 833 |
| Average equity | $103,271,400 | 987 |
| Average total loans | $676,476,200 | 906 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 2,525 |
| Cost of funding earning assets | 0.2172% | 3,448 |
| Net interest margin | 3.3948% | 2,169 |
| Noninterest income to average assets | 1.4216% | 597 |
| Noninterest expense to average assets | 2.7603% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4295% | 1,449 |
| Return on assets (ROA) | 1.4293% | 1,516 |
| Pretax return on assets | 1.8331% | 1,086 |
| Return on Equity (ROE) | 16.1404% | 922 |
| Retained earnings to average equity (ytd only) | 11.6163% | 917 |
| Net charge-offs to loans | 0.0580% | 1,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 54.5655% | 1,190 |
| Efficiency ratio | 58.1679% | 3,236 |
| Assets per employee ($millions) | 5.4545% | 3,244 |
| Cash dividends to net income (ytd only)* | 28.0295% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3402% | 364 |
| Loan loss allowance to noncurrent loans | 897.9955% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 3,151 |
| Noncurrent loans to loans | 0.2606% | 2,885 |
| Net loans and leases to total assets | 53.8838% | 2,984 |
| Net loans and leases to deposits | 60.5837% | 3,177 |
| Net loans and leases to core deposits | 62.0834% | 3,315 |
| Total domestic deposits to total assets | 88.9410% | 1,316 |
| Equity capital to assets | 8.8377% | 3,973 |
| Core capital (leverage) ratio | 10.5812% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8411% | 1,672 |
| Memoranda: | ||
| Average total assets | $1,150,804,000 | 870 |
| Average earning assets | $1,075,304,750 | 859 |
| Average equity | $101,911,750 | 1,015 |
| Average total loans | $666,862,500 | 937 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 3,052 |
| Cost of funding earning assets | 0.2272% | 3,494 |
| Net interest margin | 3.2131% | 2,715 |
| Noninterest income to average assets | 1.4275% | 596 |
| Noninterest expense to average assets | 2.6895% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3255% | 1,787 |
| Return on assets (ROA) | 1.3248% | 1,853 |
| Pretax return on assets | 1.7328% | 1,401 |
| Return on Equity (ROE) | 14.9487% | 1,173 |
| Retained earnings to average equity (ytd only) | 10.9683% | 1,131 |
| Net charge-offs to loans | 0.0215% | 1,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 136.5070% | 622 |
| Efficiency ratio | 58.8992% | 3,165 |
| Assets per employee ($millions) | 5.1551% | 3,504 |
| Cash dividends to net income (ytd only)* | 26.6271% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4138% | 308 |
| Loan loss allowance to noncurrent loans | 678.8621% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 2,698 |
| Noncurrent loans to loans | 0.3556% | 2,624 |
| Net loans and leases to total assets | 54.5537% | 3,071 |
| Net loans and leases to deposits | 62.7234% | 3,131 |
| Net loans and leases to core deposits | 64.3660% | 3,259 |
| Total domestic deposits to total assets | 86.9750% | 2,335 |
| Equity capital to assets | 8.8350% | 3,938 |
| Core capital (leverage) ratio | 10.6497% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3885% | 1,506 |
| Memoranda: | ||
| Average total assets | $1,118,043,000 | 881 |
| Average earning assets | $1,042,410,333 | 873 |
| Average equity | $99,085,333 | 1,030 |
| Average total loans | $659,422,333 | 943 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5117% | 2,885 |
| Cost of funding earning assets | 0.2288% | 3,655 |
| Net interest margin | 3.2829% | 2,437 |
| Noninterest income to average assets | 1.5017% | 596 |
| Noninterest expense to average assets | 2.6767% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3751% | 1,623 |
| Return on assets (ROA) | 1.3736% | 1,711 |
| Pretax return on assets | 1.8825% | 1,144 |
| Return on Equity (ROE) | 15.4723% | 1,121 |
| Retained earnings to average equity (ytd only) | 8.1714% | 2,183 |
| Net charge-offs to loans | -0.0123% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3346% | 3,385 |
| Assets per employee ($millions) | 5.1034% | 3,527 |
| Cash dividends to net income (ytd only)* | 47.1867% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5139% | 255 |
| Loan loss allowance to noncurrent loans | 605.4880% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 2,591 |
| Noncurrent loans to loans | 0.4152% | 2,609 |
| Net loans and leases to total assets | 56.2665% | 3,003 |
| Net loans and leases to deposits | 65.2769% | 2,998 |
| Net loans and leases to core deposits | 66.9958% | 3,156 |
| Total domestic deposits to total assets | 86.1966% | 2,669 |
| Equity capital to assets | 8.3535% | 4,228 |
| Core capital (leverage) ratio | 10.1387% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4081% | 1,768 |
| Memoranda: | ||
| Average total assets | $1,071,337,500 | 904 |
| Average earning assets | $998,386,000 | 898 |
| Average equity | $95,112,000 | 1,054 |
| Average total loans | $650,513,500 | 948 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 1,420 |
| Cost of funding earning assets | 0.3459% | 3,888 |
| Net interest margin | 4.1116% | 763 |
| Noninterest income to average assets | 1.7062% | 431 |
| Noninterest expense to average assets | 3.0463% | 1,337 |
| Loan and lease loss provision to assets | 0.9978% | 96 |
| Net operating income to assets | 1.1886% | 1,588 |
| Return on assets (ROA) | 1.2001% | 1,658 |
| Pretax return on assets | 1.5003% | 1,328 |
| Return on Equity (ROE) | 12.2082% | 1,265 |
| Retained earnings to average equity (ytd only) | 8.9262% | 787 |
| Net charge-offs to loans | 0.0874% | 1,589 |
| Credit loss provision to net charge-offs | 1,746.6667% | 492 |
| Earnings coverage of net charge-offs (x) | 43.4781% | 1,320 |
| Efficiency ratio | 53.7346% | 4,240 |
| Assets per employee ($millions) | 4.6317% | 3,781 |
| Cash dividends to net income (ytd only)* | 26.8837% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5373% | 251 |
| Loan loss allowance to noncurrent loans | 674.2916% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 2,712 |
| Noncurrent loans to loans | 0.3763% | 2,857 |
| Net loans and leases to total assets | 62.4624% | 2,542 |
| Net loans and leases to deposits | 72.5978% | 2,629 |
| Net loans and leases to core deposits | 74.8207% | 2,835 |
| Total domestic deposits to total assets | 86.0390% | 2,348 |
| Equity capital to assets | 9.4663% | 3,647 |
| Core capital (leverage) ratio | 10.1850% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8016% | 1,926 |
| Memoranda: | ||
| Average total assets | $919,006,000 | 952 |
| Average earning assets | $854,700,000 | 945 |
| Average equity | $90,341,200 | 1,053 |
| Average total loans | $600,405,800 | 976 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 1,426 |
| Cost of funding earning assets | 0.3637% | 3,984 |
| Net interest margin | 4.1970% | 738 |
| Noninterest income to average assets | 1.6208% | 453 |
| Noninterest expense to average assets | 3.0362% | 1,360 |
| Loan and lease loss provision to assets | 1.1082% | 106 |
| Net operating income to assets | 1.1087% | 1,953 |
| Return on assets (ROA) | 1.1246% | 2,019 |
| Pretax return on assets | 1.4053% | 1,716 |
| Return on Equity (ROE) | 11.3216% | 1,583 |
| Retained earnings to average equity (ytd only) | 8.7084% | 1,070 |
| Net charge-offs to loans | 0.0661% | 1,668 |
| Credit loss provision to net charge-offs | 2,551.3699% | 398 |
| Earnings coverage of net charge-offs (x) | 57.4110% | 1,118 |
| Efficiency ratio | 53.5037% | 4,200 |
| Assets per employee ($millions) | 4.7549% | 3,533 |
| Cash dividends to net income (ytd only)* | 23.0820% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2806% | 307 |
| Loan loss allowance to noncurrent loans | 514.5072% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 2,677 |
| Noncurrent loans to loans | 0.4433% | 2,722 |
| Net loans and leases to total assets | 63.4663% | 2,827 |
| Net loans and leases to deposits | 75.7482% | 2,779 |
| Net loans and leases to core deposits | 78.2874% | 2,982 |
| Total domestic deposits to total assets | 83.7858% | 2,897 |
| Equity capital to assets | 9.2776% | 3,872 |
| Core capital (leverage) ratio | 9.8268% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0736% | 1,806 |
| Memoranda: | ||
| Average total assets | $896,328,000 | 953 |
| Average earning assets | $834,819,750 | 949 |
| Average equity | $89,030,750 | 1,056 |
| Average total loans | $588,729,000 | 990 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 1,822 |
| Cost of funding earning assets | 0.3881% | 4,090 |
| Net interest margin | 4.1447% | 1,030 |
| Noninterest income to average assets | 1.4732% | 481 |
| Noninterest expense to average assets | 3.0467% | 1,474 |
| Loan and lease loss provision to assets | 0.9778% | 218 |
| Net operating income to assets | 1.0382% | 2,190 |
| Return on assets (ROA) | 1.0618% | 2,230 |
| Pretax return on assets | 1.3319% | 1,930 |
| Return on Equity (ROE) | 10.4212% | 1,842 |
| Retained earnings to average equity (ytd only) | 9.2216% | 950 |
| Net charge-offs to loans | 0.0512% | 1,756 |
| Credit loss provision to net charge-offs | 2,896.5517% | 372 |
| Earnings coverage of net charge-offs (x) | 67.5448% | 897 |
| Efficiency ratio | 55.8018% | 3,966 |
| Assets per employee ($millions) | 4.6696% | 3,568 |
| Cash dividends to net income (ytd only)* | 11.5106% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 569 |
| Loan loss allowance to noncurrent loans | 417.9505% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,345 |
| Noncurrent loans to loans | 0.4463% | 2,818 |
| Net loans and leases to total assets | 62.2652% | 3,099 |
| Net loans and leases to deposits | 74.2011% | 3,060 |
| Net loans and leases to core deposits | 76.8217% | 3,216 |
| Total domestic deposits to total assets | 83.9142% | 2,775 |
| Equity capital to assets | 9.0541% | 4,040 |
| Core capital (leverage) ratio | 9.5207% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3480% | 2,464 |
| Memoranda: | ||
| Average total assets | $859,087,667 | 975 |
| Average earning assets | $798,761,000 | 972 |
| Average equity | $87,533,333 | 1,057 |
| Average total loans | $566,738,000 | 1,007 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5949% | 2,013 |
| Cost of funding earning assets | 0.4269% | 4,248 |
| Net interest margin | 4.1680% | 986 |
| Noninterest income to average assets | 1.4702% | 416 |
| Noninterest expense to average assets | 3.2574% | 1,302 |
| Loan and lease loss provision to assets | 0.6084% | 452 |
| Net operating income to assets | 1.1677% | 1,624 |
| Return on assets (ROA) | 1.2107% | 1,594 |
| Pretax return on assets | 1.5194% | 1,258 |
| Return on Equity (ROE) | 11.0991% | 1,384 |
| Retained earnings to average equity (ytd only) | 9.6815% | 810 |
| Net charge-offs to loans | 0.1111% | 1,032 |
| Credit loss provision to net charge-offs | 810.8108% | 660 |
| Earnings coverage of net charge-offs (x) | 27.6419% | 1,231 |
| Efficiency ratio | 59.8326% | 3,758 |
| Assets per employee ($millions) | 3.6952% | 4,285 |
| Cash dividends to net income (ytd only)* | 12.7722% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 1,023 |
| Loan loss allowance to noncurrent loans | 303.0563% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 2,080 |
| Noncurrent loans to loans | 0.5342% | 2,663 |
| Net loans and leases to total assets | 67.8214% | 2,570 |
| Net loans and leases to deposits | 76.9618% | 2,987 |
| Net loans and leases to core deposits | 79.7295% | 3,218 |
| Total domestic deposits to total assets | 88.1235% | 1,056 |
| Equity capital to assets | 11.1293% | 2,751 |
| Core capital (leverage) ratio | 10.5997% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3054% | 1,812 |
| Memoranda: | ||
| Average total assets | $788,982,000 | 1,015 |
| Average earning assets | $730,903,000 | 1,007 |
| Average equity | $86,061,000 | 1,071 |
| Average total loans | $533,085,000 | 1,041 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 2,667 |
| Cost of funding earning assets | 0.4174% | 4,384 |
| Net interest margin | 4.1683% | 1,379 |
| Noninterest income to average assets | 1.5041% | 410 |
| Noninterest expense to average assets | 3.4089% | 1,100 |
| Loan and lease loss provision to assets | 0.3684% | 405 |
| Net operating income to assets | 1.2477% | 1,876 |
| Return on assets (ROA) | 1.2443% | 1,970 |
| Pretax return on assets | 1.5613% | 1,613 |
| Return on Equity (ROE) | 12.0842% | 1,480 |
| Retained earnings to average equity (ytd only) | 10.5519% | 391 |
| Net charge-offs to loans | 0.0956% | 1,770 |
| Credit loss provision to net charge-offs | 604.9784% | 510 |
| Earnings coverage of net charge-offs (x) | 31.7576% | 1,527 |
| Efficiency ratio | 62.1700% | 3,348 |
| Assets per employee ($millions) | 3.7485% | 4,216 |
| Cash dividends to net income (ytd only)* | 12.6801% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,255 |
| Loan loss allowance to noncurrent loans | 275.5406% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 1,991 |
| Noncurrent loans to loans | 0.5414% | 2,551 |
| Net loans and leases to total assets | 65.2012% | 3,044 |
| Net loans and leases to deposits | 75.2611% | 3,238 |
| Net loans and leases to core deposits | 77.8365% | 3,455 |
| Total domestic deposits to total assets | 86.6333% | 1,790 |
| Equity capital to assets | 10.6854% | 3,270 |
| Core capital (leverage) ratio | 10.2685% | 3,221 |
| Tier 1 risk-based capital ratio | 14.1380% | 3,195 |
| Total risk-based capital ratio | 15.3897% | 3,112 |
| Memoranda: | ||
| Average total assets | $758,651,000 | 1,019 |
| Average earning assets | $698,671,000 | 1,013 |
| Average equity | $78,118,600 | 1,111 |
| Average total loans | $483,232,800 | 1,107 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 2,827 |
| Cost of funding earning assets | 0.4152% | 4,447 |
| Net interest margin | 4.1563% | 1,482 |
| Noninterest income to average assets | 1.5132% | 399 |
| Noninterest expense to average assets | 3.3994% | 1,091 |
| Loan and lease loss provision to assets | 0.4072% | 323 |
| Net operating income to assets | 1.2166% | 2,135 |
| Return on assets (ROA) | 1.2121% | 2,227 |
| Pretax return on assets | 1.5229% | 1,893 |
| Return on Equity (ROE) | 11.8887% | 1,660 |
| Retained earnings to average equity (ytd only) | 10.3365% | 671 |
| Net charge-offs to loans | 0.1078% | 1,391 |
| Credit loss provision to net charge-offs | 599.2167% | 547 |
| Earnings coverage of net charge-offs (x) | 28.4885% | 1,684 |
| Efficiency ratio | 61.9546% | 3,334 |
| Assets per employee ($millions) | 3.8754% | 4,060 |
| Cash dividends to net income (ytd only)* | 13.0562% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 1,370 |
| Loan loss allowance to noncurrent loans | 218.6794% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 1,787 |
| Noncurrent loans to loans | 0.6668% | 2,287 |
| Net loans and leases to total assets | 63.1575% | 3,371 |
| Net loans and leases to deposits | 71.0420% | 3,687 |
| Net loans and leases to core deposits | 73.5617% | 3,853 |
| Total domestic deposits to total assets | 88.9017% | 650 |
| Equity capital to assets | 10.3989% | 3,640 |
| Core capital (leverage) ratio | 10.1168% | 3,514 |
| Tier 1 risk-based capital ratio | 14.0912% | 3,284 |
| Total risk-based capital ratio | 15.3424% | 3,192 |
| Memoranda: | ||
| Average total assets | $751,518,000 | 1,026 |
| Average earning assets | $691,073,750 | 1,019 |
| Average equity | $76,619,750 | 1,122 |
| Average total loans | $473,784,500 | 1,127 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 2,903 |
| Cost of funding earning assets | 0.4094% | 4,473 |
| Net interest margin | 4.1247% | 1,537 |
| Noninterest income to average assets | 1.4501% | 422 |
| Noninterest expense to average assets | 3.3939% | 1,114 |
| Loan and lease loss provision to assets | 0.3771% | 333 |
| Net operating income to assets | 1.1702% | 2,256 |
| Return on assets (ROA) | 1.1633% | 2,355 |
| Pretax return on assets | 1.4615% | 1,982 |
| Return on Equity (ROE) | 11.4915% | 1,788 |
| Retained earnings to average equity (ytd only) | 9.9239% | 784 |
| Net charge-offs to loans | 0.1415% | 1,083 |
| Credit loss provision to net charge-offs | 425.3049% | 678 |
| Earnings coverage of net charge-offs (x) | 20.8323% | 1,755 |
| Efficiency ratio | 62.8978% | 3,301 |
| Assets per employee ($millions) | 3.6546% | 4,307 |
| Cash dividends to net income (ytd only)* | 13.6416% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 1,847 |
| Loan loss allowance to noncurrent loans | 184.4911% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 1,721 |
| Noncurrent loans to loans | 0.7271% | 2,174 |
| Net loans and leases to total assets | 63.5645% | 3,392 |
| Net loans and leases to deposits | 71.5880% | 3,716 |
| Net loans and leases to core deposits | 74.2089% | 3,878 |
| Total domestic deposits to total assets | 88.7922% | 749 |
| Equity capital to assets | 10.4530% | 3,555 |
| Core capital (leverage) ratio | 9.9463% | 3,642 |
| Tier 1 risk-based capital ratio | 14.0847% | 3,274 |
| Total risk-based capital ratio | 15.3250% | 3,203 |
| Memoranda: | ||
| Average total assets | $739,787,670 | 1,035 |
| Average earning assets | $679,952,330 | 1,031 |
| Average equity | $74,890,000 | 1,139 |
| Average total loans | $463,640,000 | 1,142 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 3,126 |
| Cost of funding earning assets | 0.3789% | 4,577 |
| Net interest margin | 4.0479% | 1,693 |
| Noninterest income to average assets | 1.4063% | 434 |
| Noninterest expense to average assets | 3.3756% | 1,149 |
| Loan and lease loss provision to assets | 0.2973% | 439 |
| Net operating income to assets | 1.1505% | 2,263 |
| Return on assets (ROA) | 1.1505% | 2,313 |
| Pretax return on assets | 1.4461% | 1,937 |
| Return on Equity (ROE) | 11.5581% | 1,709 |
| Retained earnings to average equity (ytd only) | 9.9523% | 1,047 |
| Net charge-offs to loans | 0.1060% | 1,098 |
| Credit loss provision to net charge-offs | 454.1667% | 644 |
| Earnings coverage of net charge-offs (x) | 26.6333% | 1,399 |
| Efficiency ratio | 64.0239% | 3,241 |
| Assets per employee ($millions) | 3.6930% | 4,351 |
| Cash dividends to net income (ytd only)* | 13.8928% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,139 |
| Loan loss allowance to noncurrent loans | 129.2135% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 1,634 |
| Noncurrent loans to loans | 0.9974% | 1,675 |
| Net loans and leases to total assets | 60.8206% | 3,625 |
| Net loans and leases to deposits | 68.2540% | 3,904 |
| Net loans and leases to core deposits | 70.5799% | 4,048 |
| Total domestic deposits to total assets | 89.1092% | 814 |
| Equity capital to assets | 10.0542% | 3,772 |
| Core capital (leverage) ratio | 9.8212% | 3,794 |
| Tier 1 risk-based capital ratio | 14.3369% | 3,179 |
| Total risk-based capital ratio | 15.5078% | 3,144 |
| Memoranda: | ||
| Average total assets | $733,261,500 | 1,044 |
| Average earning assets | $672,538,000 | 1,043 |
| Average equity | $72,988,000 | 1,168 |
| Average total loans | $452,937,000 | 1,168 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 3,483 |
| Cost of funding earning assets | 0.3306% | 4,403 |
| Net interest margin | 3.8527% | 2,488 |
| Noninterest income to average assets | 1.4881% | 419 |
| Noninterest expense to average assets | 3.4512% | 1,067 |
| Loan and lease loss provision to assets | 0.2401% | 734 |
| Net operating income to assets | 1.0630% | 2,749 |
| Return on assets (ROA) | 1.0630% | 2,730 |
| Pretax return on assets | 1.3309% | 2,399 |
| Return on Equity (ROE) | 11.0337% | 2,071 |
| Retained earnings to average equity (ytd only) | 9.3334% | 773 |
| Net charge-offs to loans | 0.1070% | 1,678 |
| Credit loss provision to net charge-offs | 376.4045% | 857 |
| Earnings coverage of net charge-offs (x) | 24.6315% | 1,801 |
| Efficiency ratio | 67.1613% | 2,686 |
| Assets per employee ($millions) | 3.5682% | 4,479 |
| Cash dividends to net income (ytd only)* | 15.4105% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,532 |
| Loan loss allowance to noncurrent loans | 134.3210% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8703% | 1,599 |
| Noncurrent loans to loans | 0.8984% | 1,788 |
| Net loans and leases to total assets | 61.1807% | 3,652 |
| Net loans and leases to deposits | 68.5276% | 3,939 |
| Net loans and leases to core deposits | 70.7471% | 4,080 |
| Total domestic deposits to total assets | 89.2789% | 745 |
| Equity capital to assets | 9.8521% | 3,815 |
| Core capital (leverage) ratio | 9.6817% | 3,913 |
| Tier 1 risk-based capital ratio | 13.9819% | 3,296 |
| Total risk-based capital ratio | 15.0713% | 3,302 |
| Memoranda: | ||
| Average total assets | $697,733,200 | 1,066 |
| Average earning assets | $640,018,200 | 1,063 |
| Average equity | $67,221,200 | 1,203 |
| Average total loans | $416,011,200 | 1,214 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0996% | 3,630 |
| Cost of funding earning assets | 0.3219% | 4,368 |
| Net interest margin | 3.7777% | 2,722 |
| Noninterest income to average assets | 1.4912% | 430 |
| Noninterest expense to average assets | 3.4519% | 1,046 |
| Loan and lease loss provision to assets | 0.2077% | 817 |
| Net operating income to assets | 1.0401% | 2,925 |
| Return on assets (ROA) | 1.0401% | 2,929 |
| Pretax return on assets | 1.3007% | 2,629 |
| Return on Equity (ROE) | 10.8604% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.1317% | 1,171 |
| Net charge-offs to loans | 0.1090% | 1,397 |
| Credit loss provision to net charge-offs | 322.8228% | 970 |
| Earnings coverage of net charge-offs (x) | 23.4474% | 1,844 |
| Efficiency ratio | 68.1349% | 2,513 |
| Assets per employee ($millions) | 3.4104% | 4,670 |
| Cash dividends to net income (ytd only)* | 15.9176% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,974 |
| Loan loss allowance to noncurrent loans | 129.5996% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8611% | 1,717 |
| Noncurrent loans to loans | 0.8786% | 1,945 |
| Net loans and leases to total assets | 61.4994% | 3,700 |
| Net loans and leases to deposits | 70.2778% | 3,897 |
| Net loans and leases to core deposits | 72.5377% | 4,041 |
| Total domestic deposits to total assets | 87.5090% | 1,483 |
| Equity capital to assets | 9.8690% | 3,766 |
| Core capital (leverage) ratio | 9.6350% | 4,003 |
| Tier 1 risk-based capital ratio | 14.5430% | 3,103 |
| Total risk-based capital ratio | 15.5876% | 3,113 |
| Memoranda: | ||
| Average total assets | $690,187,000 | 1,073 |
| Average earning assets | $633,809,500 | 1,071 |
| Average equity | $66,097,750 | 1,221 |
| Average total loans | $407,317,750 | 1,236 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 3,853 |
| Cost of funding earning assets | 0.2819% | 4,551 |
| Net interest margin | 3.6954% | 2,945 |
| Noninterest income to average assets | 1.4840% | 434 |
| Noninterest expense to average assets | 3.4514% | 1,069 |
| Loan and lease loss provision to assets | 0.1746% | 1,045 |
| Net operating income to assets | 1.0000% | 3,024 |
| Return on assets (ROA) | 1.0000% | 3,022 |
| Pretax return on assets | 1.2529% | 2,716 |
| Return on Equity (ROE) | 10.5510% | 2,309 |
| Retained earnings to average equity (ytd only) | 8.7977% | 1,278 |
| Net charge-offs to loans | 0.0417% | 2,030 |
| Credit loss provision to net charge-offs | 722.8916% | 547 |
| Earnings coverage of net charge-offs (x) | 59.0964% | 1,009 |
| Efficiency ratio | 69.2555% | 2,437 |
| Assets per employee ($millions) | 3.5082% | 4,583 |
| Cash dividends to net income (ytd only)* | 16.6182% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 3,036 |
| Loan loss allowance to noncurrent loans | 121.4176% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 1,741 |
| Noncurrent loans to loans | 0.9392% | 1,853 |
| Net loans and leases to total assets | 57.8364% | 4,008 |
| Net loans and leases to deposits | 68.5770% | 3,978 |
| Net loans and leases to core deposits | 71.5759% | 4,036 |
| Total domestic deposits to total assets | 84.3380% | 2,941 |
| Equity capital to assets | 9.2965% | 4,281 |
| Core capital (leverage) ratio | 9.6399% | 3,957 |
| Tier 1 risk-based capital ratio | 14.3801% | 3,166 |
| Total risk-based capital ratio | 15.4250% | 3,191 |
| Memoranda: | ||
| Average total assets | $687,203,670 | 1,076 |
| Average earning assets | $631,322,330 | 1,077 |
| Average equity | $65,131,000 | 1,232 |
| Average total loans | $398,118,000 | 1,262 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 3,928 |
| Cost of funding earning assets | 0.2527% | 4,695 |
| Net interest margin | 3.6458% | 3,004 |
| Noninterest income to average assets | 1.4440% | 453 |
| Noninterest expense to average assets | 3.4650% | 1,055 |
| Loan and lease loss provision to assets | 0.1478% | 1,232 |
| Net operating income to assets | 0.9331% | 3,142 |
| Return on assets (ROA) | 0.9331% | 3,163 |
| Pretax return on assets | 1.1749% | 2,871 |
| Return on Equity (ROE) | 9.7474% | 2,563 |
| Retained earnings to average equity (ytd only) | 7.9869% | 1,839 |
| Net charge-offs to loans | 0.0831% | 1,307 |
| Credit loss provision to net charge-offs | 308.6420% | 798 |
| Earnings coverage of net charge-offs (x) | 27.6173% | 1,296 |
| Efficiency ratio | 70.8287% | 2,371 |
| Assets per employee ($millions) | 3.4581% | 4,714 |
| Cash dividends to net income (ytd only)* | 18.0608% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,267 |
| Loan loss allowance to noncurrent loans | 115.3887% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 1,812 |
| Noncurrent loans to loans | 0.9703% | 1,877 |
| Net loans and leases to total assets | 56.7679% | 4,050 |
| Net loans and leases to deposits | 63.2499% | 4,259 |
| Net loans and leases to core deposits | 65.3311% | 4,357 |
| Total domestic deposits to total assets | 89.7518% | 761 |
| Equity capital to assets | 9.4522% | 4,135 |
| Core capital (leverage) ratio | 9.6023% | 3,958 |
| Tier 1 risk-based capital ratio | 14.8101% | 2,974 |
| Total risk-based capital ratio | 15.8336% | 2,983 |
| Memoranda: | ||
| Average total assets | $676,473,500 | 1,097 |
| Average earning assets | $620,438,500 | 1,100 |
| Average equity | $64,756,000 | 1,244 |
| Average total loans | $389,880,000 | 1,284 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 3,590 |
| Cost of funding earning assets | 0.2180% | 4,805 |
| Net interest margin | 3.7269% | 2,685 |
| Noninterest income to average assets | 1.4885% | 477 |
| Noninterest expense to average assets | 3.2528% | 1,491 |
| Loan and lease loss provision to assets | 0.2401% | 796 |
| Net operating income to assets | 0.7614% | 3,339 |
| Return on assets (ROA) | 0.7583% | 3,394 |
| Pretax return on assets | 1.3936% | 2,017 |
| Return on Equity (ROE) | 7.9091% | 2,834 |
| Retained earnings to average equity (ytd only) | 6.1878% | 1,446 |
| Net charge-offs to loans | 0.6616% | 327 |
| Credit loss provision to net charge-offs | 62.0756% | 3,195 |
| Earnings coverage of net charge-offs (x) | 4.2369% | 3,498 |
| Efficiency ratio | 64.7104% | 3,495 |
| Assets per employee ($millions) | 3.4804% | 4,726 |
| Cash dividends to net income (ytd only)* | 21.7631% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 3,432 |
| Loan loss allowance to noncurrent loans | 99.9288% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 1,626 |
| Noncurrent loans to loans | 1.0842% | 1,637 |
| Net loans and leases to total assets | 57.2339% | 4,083 |
| Net loans and leases to deposits | 64.4056% | 4,296 |
| Net loans and leases to core deposits | 66.6358% | 4,383 |
| Total domestic deposits to total assets | 88.8648% | 1,060 |
| Equity capital to assets | 9.6947% | 4,034 |
| Core capital (leverage) ratio | 9.5559% | 3,972 |
| Tier 1 risk-based capital ratio | 15.1348% | 2,782 |
| Total risk-based capital ratio | 16.1439% | 2,831 |
| Memoranda: | ||
| Average total assets | $670,227,200 | 1,091 |
| Average earning assets | $611,950,000 | 1,099 |
| Average equity | $64,255,400 | 1,233 |
| Average total loans | $391,756,400 | 1,257 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 3,577 |
| Cost of funding earning assets | 0.2147% | 4,849 |
| Net interest margin | 3.7186% | 2,689 |
| Noninterest income to average assets | 1.4827% | 492 |
| Noninterest expense to average assets | 3.2267% | 1,503 |
| Loan and lease loss provision to assets | 0.2406% | 735 |
| Net operating income to assets | 0.9519% | 2,767 |
| Return on assets (ROA) | 0.9610% | 2,776 |
| Pretax return on assets | 1.4251% | 2,039 |
| Return on Equity (ROE) | 10.0519% | 2,110 |
| Retained earnings to average equity (ytd only) | 8.3280% | 1,084 |
| Net charge-offs to loans | 0.6460% | 307 |
| Credit loss provision to net charge-offs | 63.5647% | 2,765 |
| Earnings coverage of net charge-offs (x) | 4.3643% | 3,239 |
| Efficiency ratio | 64.2583% | 3,492 |
| Assets per employee ($millions) | 3.5560% | 4,642 |
| Cash dividends to net income (ytd only)* | 17.1499% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 3,119 |
| Loan loss allowance to noncurrent loans | 73.4454% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2859% | 1,250 |
| Noncurrent loans to loans | 1.5861% | 1,167 |
| Net loans and leases to total assets | 57.4143% | 4,118 |
| Net loans and leases to deposits | 64.8940% | 4,327 |
| Net loans and leases to core deposits | 67.0787% | 4,417 |
| Total domestic deposits to total assets | 88.4740% | 1,135 |
| Equity capital to assets | 10.0124% | 3,900 |
| Core capital (leverage) ratio | 9.6276% | 4,011 |
| Tier 1 risk-based capital ratio | 15.0960% | 2,881 |
| Total risk-based capital ratio | 16.1801% | 2,872 |
| Memoranda: | ||
| Average total assets | $669,857,000 | 1,096 |
| Average earning assets | $611,799,250 | 1,106 |
| Average equity | $64,039,250 | 1,243 |
| Average total loans | $392,531,500 | 1,261 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9223% | 3,478 |
| Cost of funding earning assets | 0.2143% | 4,852 |
| Net interest margin | 3.7080% | 2,630 |
| Noninterest income to average assets | 1.4538% | 511 |
| Noninterest expense to average assets | 3.1760% | 1,637 |
| Loan and lease loss provision to assets | 0.3500% | 410 |
| Net operating income to assets | 0.8850% | 2,990 |
| Return on assets (ROA) | 0.8959% | 2,989 |
| Pretax return on assets | 1.3305% | 2,268 |
| Return on Equity (ROE) | 9.5201% | 2,257 |
| Retained earnings to average equity (ytd only) | 7.7731% | 1,250 |
| Net charge-offs to loans | 0.5763% | 337 |
| Credit loss provision to net charge-offs | 103.3421% | 1,964 |
| Earnings coverage of net charge-offs (x) | 4.9138% | 2,876 |
| Efficiency ratio | 63.7292% | 3,719 |
| Assets per employee ($millions) | 3.6540% | 4,505 |
| Cash dividends to net income (ytd only)* | 18.3511% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 2,334 |
| Loan loss allowance to noncurrent loans | 87.1688% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 1,336 |
| Noncurrent loans to loans | 1.5091% | 1,244 |
| Net loans and leases to total assets | 58.6862% | 3,956 |
| Net loans and leases to deposits | 66.0536% | 4,219 |
| Net loans and leases to core deposits | 68.7636% | 4,316 |
| Total domestic deposits to total assets | 88.8462% | 1,034 |
| Equity capital to assets | 9.6990% | 4,226 |
| Core capital (leverage) ratio | 9.2766% | 4,390 |
| Tier 1 risk-based capital ratio | 14.2590% | 3,285 |
| Total risk-based capital ratio | 15.4818% | 3,215 |
| Memoranda: | ||
| Average total assets | $671,483,670 | 1,094 |
| Average earning assets | $613,211,670 | 1,110 |
| Average equity | $63,192,330 | 1,257 |
| Average total loans | $394,611,330 | 1,255 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 3,276 |
| Cost of funding earning assets | 0.2174% | 4,822 |
| Net interest margin | 3.7133% | 2,444 |
| Noninterest income to average assets | 1.4528% | 512 |
| Noninterest expense to average assets | 3.1464% | 1,745 |
| Loan and lease loss provision to assets | 0.4042% | 275 |
| Net operating income to assets | 0.8715% | 2,895 |
| Return on assets (ROA) | 0.8715% | 2,950 |
| Pretax return on assets | 1.2935% | 2,258 |
| Return on Equity (ROE) | 9.4033% | 2,224 |
| Retained earnings to average equity (ytd only) | 7.6330% | 1,595 |
| Net charge-offs to loans | 1.1061% | 157 |
| Credit loss provision to net charge-offs | 62.5575% | 1,888 |
| Earnings coverage of net charge-offs (x) | 2.6274% | 2,568 |
| Efficiency ratio | 63.0630% | 3,978 |
| Assets per employee ($millions) | 3.7616% | 4,397 |
| Cash dividends to net income (ytd only)* | 18.8267% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,972 |
| Loan loss allowance to noncurrent loans | 138.2039% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8677% | 2,138 |
| Noncurrent loans to loans | 0.8860% | 2,258 |
| Net loans and leases to total assets | 57.0188% | 4,062 |
| Net loans and leases to deposits | 64.0168% | 4,310 |
| Net loans and leases to core deposits | 66.5015% | 4,399 |
| Total domestic deposits to total assets | 89.0685% | 1,112 |
| Equity capital to assets | 9.3285% | 4,472 |
| Core capital (leverage) ratio | 8.9912% | 4,748 |
| Tier 1 risk-based capital ratio | 14.4164% | 3,248 |
| Total risk-based capital ratio | 15.5739% | 3,220 |
| Memoranda: | ||
| Average total assets | $672,886,000 | 1,093 |
| Average earning assets | $614,542,500 | 1,104 |
| Average equity | $62,361,000 | 1,272 |
| Average total loans | $393,090,500 | 1,264 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 3,059 |
| Cost of funding earning assets | 0.2206% | 4,827 |
| Net interest margin | 3.8209% | 2,242 |
| Noninterest income to average assets | 1.5568% | 498 |
| Noninterest expense to average assets | 3.3423% | 1,482 |
| Loan and lease loss provision to assets | 0.2671% | 758 |
| Net operating income to assets | 0.9905% | 2,393 |
| Return on assets (ROA) | 1.0456% | 2,264 |
| Pretax return on assets | 1.5330% | 1,482 |
| Return on Equity (ROE) | 10.4267% | 1,796 |
| Retained earnings to average equity (ytd only) | 8.6635% | 654 |
| Net charge-offs to loans | 0.1674% | 1,617 |
| Credit loss provision to net charge-offs | 264.4951% | 1,088 |
| Earnings coverage of net charge-offs (x) | 17.0212% | 2,075 |
| Efficiency ratio | 65.2757% | 3,713 |
| Assets per employee ($millions) | 3.6944% | 4,487 |
| Cash dividends to net income (ytd only)* | 16.9105% | 3,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 2,472 |
| Loan loss allowance to noncurrent loans | 262.1403% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 2,750 |
| Noncurrent loans to loans | 0.5011% | 3,358 |
| Net loans and leases to total assets | 58.3436% | 4,035 |
| Net loans and leases to deposits | 65.4317% | 4,295 |
| Net loans and leases to core deposits | 67.9183% | 4,403 |
| Total domestic deposits to total assets | 89.1672% | 1,030 |
| Equity capital to assets | 9.2061% | 4,576 |
| Core capital (leverage) ratio | 8.8797% | 4,878 |
| Tier 1 risk-based capital ratio | 14.1039% | 3,409 |
| Total risk-based capital ratio | 15.3535% | 3,326 |
| Memoranda: | ||
| Average total assets | $607,958,600 | 1,154 |
| Average earning assets | $557,617,400 | 1,155 |
| Average equity | $60,968,200 | 1,275 |
| Average total loans | $366,885,600 | 1,283 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,108 |
| Cost of funding earning assets | 0.2218% | 4,869 |
| Net interest margin | 3.8088% | 2,298 |
| Noninterest income to average assets | 1.5724% | 498 |
| Noninterest expense to average assets | 3.3599% | 1,434 |
| Loan and lease loss provision to assets | 0.2303% | 868 |
| Net operating income to assets | 1.0135% | 2,370 |
| Return on assets (ROA) | 1.1039% | 2,086 |
| Pretax return on assets | 1.6143% | 1,345 |
| Return on Equity (ROE) | 10.7593% | 1,761 |
| Retained earnings to average equity (ytd only) | 8.9924% | 820 |
| Net charge-offs to loans | 0.1442% | 1,542 |
| Credit loss provision to net charge-offs | 263.2391% | 1,154 |
| Earnings coverage of net charge-offs (x) | 19.5631% | 1,926 |
| Efficiency ratio | 65.9038% | 3,607 |
| Assets per employee ($millions) | 3.7751% | 4,353 |
| Cash dividends to net income (ytd only)* | 16.4222% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,181 |
| Loan loss allowance to noncurrent loans | 340.7355% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 3,187 |
| Noncurrent loans to loans | 0.3549% | 3,985 |
| Net loans and leases to total assets | 59.2479% | 3,975 |
| Net loans and leases to deposits | 66.6742% | 4,282 |
| Net loans and leases to core deposits | 69.3144% | 4,379 |
| Total domestic deposits to total assets | 88.8617% | 983 |
| Equity capital to assets | 9.5264% | 4,634 |
| Core capital (leverage) ratio | 10.0655% | 3,485 |
| Tier 1 risk-based capital ratio | 13.9704% | 3,573 |
| Total risk-based capital ratio | 15.1443% | 3,541 |
| Memoranda: | ||
| Average total assets | $592,777,000 | 1,176 |
| Average earning assets | $544,588,000 | 1,184 |
| Average equity | $60,820,250 | 1,284 |
| Average total loans | $359,775,000 | 1,306 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 2,770 |
| Cost of funding earning assets | 0.2317% | 4,835 |
| Net interest margin | 3.8915% | 2,009 |
| Noninterest income to average assets | 1.5560% | 503 |
| Noninterest expense to average assets | 3.4924% | 1,174 |
| Loan and lease loss provision to assets | 0.2176% | 960 |
| Net operating income to assets | 0.9781% | 2,479 |
| Return on assets (ROA) | 1.0933% | 2,107 |
| Pretax return on assets | 1.5848% | 1,413 |
| Return on Equity (ROE) | 10.3675% | 1,900 |
| Retained earnings to average equity (ytd only) | 8.5773% | 984 |
| Net charge-offs to loans | 0.1378% | 1,500 |
| Credit loss provision to net charge-offs | 258.9958% | 1,072 |
| Earnings coverage of net charge-offs (x) | 19.4644% | 1,776 |
| Efficiency ratio | 67.9624% | 3,353 |
| Assets per employee ($millions) | 3.4778% | 4,785 |
| Cash dividends to net income (ytd only)* | 17.2669% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,933 |
| Loan loss allowance to noncurrent loans | 305.4217% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 2,901 |
| Noncurrent loans to loans | 0.4169% | 3,861 |
| Net loans and leases to total assets | 62.4055% | 3,573 |
| Net loans and leases to deposits | 71.8063% | 3,804 |
| Net loans and leases to core deposits | 73.8998% | 3,991 |
| Total domestic deposits to total assets | 86.9081% | 1,955 |
| Equity capital to assets | 10.9331% | 3,129 |
| Core capital (leverage) ratio | 10.0720% | 3,487 |
| Tier 1 risk-based capital ratio | 15.3925% | 2,906 |
| Total risk-based capital ratio | 16.6239% | 2,848 |
| Memoranda: | ||
| Average total assets | $568,896,330 | 1,233 |
| Average earning assets | $522,162,670 | 1,230 |
| Average equity | $59,995,330 | 1,297 |
| Average total loans | $346,876,000 | 1,350 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,114 |
| Cost of funding earning assets | 0.2350% | 4,857 |
| Net interest margin | 3.7944% | 2,308 |
| Noninterest income to average assets | 1.5196% | 493 |
| Noninterest expense to average assets | 3.5459% | 1,104 |
| Loan and lease loss provision to assets | 0.2660% | 639 |
| Net operating income to assets | 0.8369% | 3,053 |
| Return on assets (ROA) | 1.0521% | 2,187 |
| Pretax return on assets | 1.4950% | 1,613 |
| Return on Equity (ROE) | 10.1620% | 1,920 |
| Retained earnings to average equity (ytd only) | 8.3452% | 1,326 |
| Net charge-offs to loans | 0.1583% | 1,180 |
| Credit loss provision to net charge-offs | 280.7407% | 891 |
| Earnings coverage of net charge-offs (x) | 15.3407% | 1,664 |
| Efficiency ratio | 70.7567% | 2,994 |
| Assets per employee ($millions) | 3.5672% | 4,711 |
| Cash dividends to net income (ytd only)* | 17.8786% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 3,016 |
| Loan loss allowance to noncurrent loans | 311.9803% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 3,053 |
| Noncurrent loans to loans | 0.4095% | 3,966 |
| Net loans and leases to total assets | 59.9402% | 3,783 |
| Net loans and leases to deposits | 68.5566% | 3,995 |
| Net loans and leases to core deposits | 70.3108% | 4,222 |
| Total domestic deposits to total assets | 87.4317% | 1,969 |
| Equity capital to assets | 10.5054% | 3,488 |
| Core capital (leverage) ratio | 9.8981% | 3,663 |
| Tier 1 risk-based capital ratio | 15.3517% | 2,995 |
| Total risk-based capital ratio | 16.5721% | 2,950 |
| Memoranda: | ||
| Average total assets | $569,901,500 | 1,234 |
| Average earning assets | $522,660,000 | 1,234 |
| Average equity | $59,004,000 | 1,314 |
| Average total loans | $341,148,500 | 1,362 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 3,390 |
| Cost of funding earning assets | 0.2917% | 4,349 |
| Net interest margin | 3.6859% | 2,799 |
| Noninterest income to average assets | 1.6908% | 456 |
| Noninterest expense to average assets | 3.3408% | 1,629 |
| Loan and lease loss provision to assets | 0.1681% | 1,364 |
| Net operating income to assets | 1.1085% | 1,883 |
| Return on assets (ROA) | 1.1265% | 1,877 |
| Pretax return on assets | 1.5881% | 1,284 |
| Return on Equity (ROE) | 11.0576% | 1,594 |
| Retained earnings to average equity (ytd only) | 9.1965% | 608 |
| Net charge-offs to loans | 0.1590% | 1,789 |
| Credit loss provision to net charge-offs | 183.1349% | 1,493 |
| Earnings coverage of net charge-offs (x) | 18.8552% | 1,987 |
| Efficiency ratio | 65.6491% | 3,960 |
| Assets per employee ($millions) | 3.4699% | 4,879 |
| Cash dividends to net income (ytd only)* | 16.8310% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 3,203 |
| Loan loss allowance to noncurrent loans | 238.8921% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 2,847 |
| Noncurrent loans to loans | 0.5215% | 3,605 |
| Net loans and leases to total assets | 58.2684% | 4,044 |
| Net loans and leases to deposits | 67.8750% | 4,141 |
| Net loans and leases to core deposits | 69.0646% | 4,373 |
| Total domestic deposits to total assets | 85.8467% | 2,714 |
| Equity capital to assets | 10.2009% | 3,748 |
| Core capital (leverage) ratio | 9.8427% | 3,720 |
| Tier 1 risk-based capital ratio | 15.4518% | 2,953 |
| Total risk-based capital ratio | 16.6385% | 2,931 |
| Memoranda: | ||
| Average total assets | $549,034,800 | 1,235 |
| Average earning assets | $503,595,200 | 1,241 |
| Average equity | $55,934,400 | 1,338 |
| Average total loans | $317,042,400 | 1,402 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9412% | 3,582 |
| Cost of funding earning assets | 0.3021% | 4,322 |
| Net interest margin | 3.6391% | 3,002 |
| Noninterest income to average assets | 1.7148% | 451 |
| Noninterest expense to average assets | 3.3238% | 1,642 |
| Loan and lease loss provision to assets | 0.1968% | 1,024 |
| Net operating income to assets | 1.1052% | 1,985 |
| Return on assets (ROA) | 1.1207% | 1,995 |
| Pretax return on assets | 1.5548% | 1,521 |
| Return on Equity (ROE) | 11.0046% | 1,712 |
| Retained earnings to average equity (ytd only) | 9.1276% | 858 |
| Net charge-offs to loans | 0.1558% | 1,581 |
| Credit loss provision to net charge-offs | 220.0000% | 1,238 |
| Earnings coverage of net charge-offs (x) | 19.3399% | 1,945 |
| Efficiency ratio | 65.5448% | 3,971 |
| Assets per employee ($millions) | 3.2789% | 5,156 |
| Cash dividends to net income (ytd only)* | 17.0566% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 3,154 |
| Loan loss allowance to noncurrent loans | 564.7849% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 3,591 |
| Noncurrent loans to loans | 0.2283% | 4,745 |
| Net loans and leases to total assets | 58.4050% | 4,090 |
| Net loans and leases to deposits | 67.0804% | 4,275 |
| Net loans and leases to core deposits | 68.5680% | 4,493 |
| Total domestic deposits to total assets | 87.0671% | 2,001 |
| Equity capital to assets | 10.4716% | 3,629 |
| Core capital (leverage) ratio | 9.6577% | 4,092 |
| Tier 1 risk-based capital ratio | 15.4599% | 3,070 |
| Total risk-based capital ratio | 16.6832% | 3,010 |
| Memoranda: | ||
| Average total assets | $544,029,500 | 1,257 |
| Average earning assets | $499,160,750 | 1,260 |
| Average equity | $55,405,750 | 1,357 |
| Average total loans | $312,362,250 | 1,423 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 3,873 |
| Cost of funding earning assets | 0.3145% | 4,227 |
| Net interest margin | 3.5346% | 3,359 |
| Noninterest income to average assets | 1.7425% | 449 |
| Noninterest expense to average assets | 3.2701% | 1,787 |
| Loan and lease loss provision to assets | 0.1218% | 1,810 |
| Net operating income to assets | 1.1713% | 1,695 |
| Return on assets (ROA) | 1.1965% | 1,691 |
| Pretax return on assets | 1.6203% | 1,276 |
| Return on Equity (ROE) | 11.8617% | 1,415 |
| Retained earnings to average equity (ytd only) | 9.9622% | 673 |
| Net charge-offs to loans | 0.1117% | 1,885 |
| Credit loss provision to net charge-offs | 191.8605% | 1,279 |
| Earnings coverage of net charge-offs (x) | 26.9012% | 1,468 |
| Efficiency ratio | 65.4579% | 4,103 |
| Assets per employee ($millions) | 3.4604% | 4,867 |
| Cash dividends to net income (ytd only)* | 16.0136% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 3,546 |
| Loan loss allowance to noncurrent loans | 427.2331% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 3,584 |
| Noncurrent loans to loans | 0.2908% | 4,644 |
| Net loans and leases to total assets | 55.9556% | 4,341 |
| Net loans and leases to deposits | 63.9315% | 4,547 |
| Net loans and leases to core deposits | 66.0658% | 4,648 |
| Total domestic deposits to total assets | 87.5243% | 1,892 |
| Equity capital to assets | 10.0764% | 3,949 |
| Core capital (leverage) ratio | 9.7803% | 3,892 |
| Tier 1 risk-based capital ratio | 15.4586% | 3,124 |
| Total risk-based capital ratio | 16.6238% | 3,109 |
| Memoranda: | ||
| Average total assets | $541,755,330 | 1,263 |
| Average earning assets | $495,960,330 | 1,271 |
| Average equity | $54,646,670 | 1,380 |
| Average total loans | $307,840,670 | 1,444 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 3,661 |
| Cost of funding earning assets | 0.3274% | 4,131 |
| Net interest margin | 3.5630% | 3,158 |
| Noninterest income to average assets | 1.4425% | 562 |
| Noninterest expense to average assets | 3.2722% | 1,786 |
| Loan and lease loss provision to assets | 0.0749% | 2,452 |
| Net operating income to assets | 0.9230% | 2,638 |
| Return on assets (ROA) | 0.9235% | 2,760 |
| Pretax return on assets | 1.3564% | 2,044 |
| Return on Equity (ROE) | 9.1502% | 2,381 |
| Retained earnings to average equity (ytd only) | 7.2281% | 1,904 |
| Net charge-offs to loans | 0.0816% | 1,891 |
| Credit loss provision to net charge-offs | 161.2903% | 1,198 |
| Earnings coverage of net charge-offs (x) | 30.8065% | 1,137 |
| Efficiency ratio | 69.2945% | 3,611 |
| Assets per employee ($millions) | 3.3578% | 5,153 |
| Cash dividends to net income (ytd only)* | 21.0057% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 3,696 |
| Loan loss allowance to noncurrent loans | 374.9507% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 3,675 |
| Noncurrent loans to loans | 0.3330% | 4,595 |
| Net loans and leases to total assets | 55.9629% | 4,205 |
| Net loans and leases to deposits | 64.1596% | 4,354 |
| Net loans and leases to core deposits | 66.6836% | 4,458 |
| Total domestic deposits to total assets | 87.2246% | 2,255 |
| Equity capital to assets | 10.1745% | 3,916 |
| Core capital (leverage) ratio | 9.4918% | 4,288 |
| Tier 1 risk-based capital ratio | 15.2354% | 3,299 |
| Total risk-based capital ratio | 16.3875% | 3,279 |
| Memoranda: | ||
| Average total assets | $534,067,500 | 1,281 |
| Average earning assets | $488,696,000 | 1,299 |
| Average equity | $53,900,500 | 1,410 |
| Average total loans | $303,927,000 | 1,461 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 4,560 |
| Cost of funding earning assets | 0.3664% | 4,070 |
| Net interest margin | 3.4098% | 4,159 |
| Noninterest income to average assets | 1.6119% | 483 |
| Noninterest expense to average assets | 3.1605% | 2,328 |
| Loan and lease loss provision to assets | 0.1259% | 2,081 |
| Net operating income to assets | 1.0032% | 2,366 |
| Return on assets (ROA) | 1.0416% | 2,281 |
| Pretax return on assets | 1.5109% | 1,502 |
| Return on Equity (ROE) | 10.9022% | 1,749 |
| Retained earnings to average equity (ytd only) | 8.9273% | 724 |
| Net charge-offs to loans | 0.0481% | 3,863 |
| Credit loss provision to net charge-offs | 505.2632% | 514 |
| Earnings coverage of net charge-offs (x) | 63.4511% | 755 |
| Efficiency ratio | 66.2781% | 4,203 |
| Assets per employee ($millions) | 3.3815% | 5,102 |
| Cash dividends to net income (ytd only)* | 18.1148% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 3,767 |
| Loan loss allowance to noncurrent loans | 636.8866% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 4,053 |
| Noncurrent loans to loans | 0.1948% | 5,122 |
| Net loans and leases to total assets | 56.4392% | 4,267 |
| Net loans and leases to deposits | 65.1045% | 4,418 |
| Net loans and leases to core deposits | 67.8651% | 4,521 |
| Total domestic deposits to total assets | 86.6901% | 2,460 |
| Equity capital to assets | 10.0094% | 4,103 |
| Core capital (leverage) ratio | 9.3478% | 4,466 |
| Tier 1 risk-based capital ratio | 15.3247% | 3,302 |
| Total risk-based capital ratio | 16.4995% | 3,299 |
| Memoranda: | ||
| Average total assets | $533,720,200 | 1,255 |
| Average earning assets | $489,886,000 | 1,252 |
| Average equity | $50,989,800 | 1,423 |
| Average total loans | $276,466,600 | 1,538 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 4,766 |
| Cost of funding earning assets | 0.3749% | 4,076 |
| Net interest margin | 3.3563% | 4,405 |
| Noninterest income to average assets | 1.6608% | 473 |
| Noninterest expense to average assets | 3.1260% | 2,395 |
| Loan and lease loss provision to assets | 0.1217% | 2,051 |
| Net operating income to assets | 1.0349% | 2,303 |
| Return on assets (ROA) | 1.0760% | 2,199 |
| Pretax return on assets | 1.5568% | 1,461 |
| Return on Equity (ROE) | 11.3979% | 1,660 |
| Retained earnings to average equity (ytd only) | 9.4027% | 870 |
| Net charge-offs to loans | 0.0395% | 3,713 |
| Credit loss provision to net charge-offs | 610.0000% | 487 |
| Earnings coverage of net charge-offs (x) | 81.1155% | 697 |
| Efficiency ratio | 65.4977% | 4,298 |
| Assets per employee ($millions) | 3.4961% | 4,868 |
| Cash dividends to net income (ytd only)* | 17.5052% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 3,948 |
| Loan loss allowance to noncurrent loans | 989.9183% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 4,387 |
| Noncurrent loans to loans | 0.1263% | 5,544 |
| Net loans and leases to total assets | 53.2977% | 4,662 |
| Net loans and leases to deposits | 60.7705% | 4,870 |
| Net loans and leases to core deposits | 62.7381% | 4,985 |
| Total domestic deposits to total assets | 87.7032% | 1,919 |
| Equity capital to assets | 9.6665% | 4,588 |
| Core capital (leverage) ratio | 9.0409% | 5,020 |
| Tier 1 risk-based capital ratio | 15.5120% | 3,312 |
| Total risk-based capital ratio | 16.6840% | 3,291 |
| Memoranda: | ||
| Average total assets | $534,427,250 | 1,259 |
| Average earning assets | $491,077,000 | 1,263 |
| Average equity | $50,452,500 | 1,442 |
| Average total loans | $269,734,500 | 1,587 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 4,855 |
| Cost of funding earning assets | 0.3809% | 4,098 |
| Net interest margin | 3.3218% | 4,500 |
| Noninterest income to average assets | 1.5265% | 528 |
| Noninterest expense to average assets | 3.1390% | 2,361 |
| Loan and lease loss provision to assets | 0.1017% | 2,321 |
| Net operating income to assets | 0.9396% | 2,601 |
| Return on assets (ROA) | 0.9750% | 2,515 |
| Pretax return on assets | 1.3858% | 1,949 |
| Return on Equity (ROE) | 10.4122% | 1,973 |
| Retained earnings to average equity (ytd only) | 8.3971% | 1,176 |
| Net charge-offs to loans | 0.0449% | 3,339 |
| Credit loss provision to net charge-offs | 459.3220% | 622 |
| Earnings coverage of net charge-offs (x) | 64.9153% | 765 |
| Efficiency ratio | 68.1807% | 3,971 |
| Assets per employee ($millions) | 3.4813% | 4,886 |
| Cash dividends to net income (ytd only)* | 19.3536% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 4,209 |
| Loan loss allowance to noncurrent loans | 509.1852% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.5561% | 4,324 |
| Noncurrent loans to loans | 0.2438% | 5,269 |
| Net loans and leases to total assets | 50.3373% | 4,920 |
| Net loans and leases to deposits | 58.3680% | 5,004 |
| Net loans and leases to core deposits | 60.8064% | 5,071 |
| Total domestic deposits to total assets | 86.2414% | 2,904 |
| Equity capital to assets | 9.3636% | 4,890 |
| Core capital (leverage) ratio | 8.7565% | 5,332 |
| Tier 1 risk-based capital ratio | 15.8342% | 3,180 |
| Total risk-based capital ratio | 17.0020% | 3,157 |
| Memoranda: | ||
| Average total assets | $533,105,330 | 1,257 |
| Average earning assets | $489,370,330 | 1,263 |
| Average equity | $49,922,000 | 1,447 |
| Average total loans | $262,784,670 | 1,618 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6591% | 4,977 |
| Cost of funding earning assets | 0.3856% | 4,136 |
| Net interest margin | 3.2735% | 4,654 |
| Noninterest income to average assets | 1.3868% | 604 |
| Noninterest expense to average assets | 3.2076% | 2,209 |
| Loan and lease loss provision to assets | 0.0826% | 2,517 |
| Net operating income to assets | 0.7527% | 3,404 |
| Return on assets (ROA) | 0.8104% | 3,174 |
| Pretax return on assets | 1.1846% | 2,549 |
| Return on Equity (ROE) | 8.6540% | 2,619 |
| Retained earnings to average equity (ytd only) | 6.6239% | 2,223 |
| Net charge-offs to loans | 0.0532% | 2,638 |
| Credit loss provision to net charge-offs | 320.5882% | 763 |
| Earnings coverage of net charge-offs (x) | 45.9118% | 806 |
| Efficiency ratio | 72.6018% | 3,378 |
| Assets per employee ($millions) | 3.4467% | 5,042 |
| Cash dividends to net income (ytd only)* | 23.4579% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 4,237 |
| Loan loss allowance to noncurrent loans | 518.0534% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 4,459 |
| Noncurrent loans to loans | 0.2467% | 5,364 |
| Net loans and leases to total assets | 47.7230% | 5,163 |
| Net loans and leases to deposits | 54.2742% | 5,257 |
| Net loans and leases to core deposits | 56.4965% | 5,322 |
| Total domestic deposits to total assets | 87.9295% | 2,268 |
| Equity capital to assets | 9.3745% | 4,660 |
| Core capital (leverage) ratio | 8.6313% | 5,490 |
| Tier 1 risk-based capital ratio | 16.7341% | 2,797 |
| Total risk-based capital ratio | 17.9530% | 2,775 |
| Memoranda: | ||
| Average total assets | $528,116,000 | 1,280 |
| Average earning assets | $484,495,000 | 1,279 |
| Average equity | $49,457,000 | 1,456 |
| Average total loans | $255,771,500 | 1,662 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4811% | 5,681 |
| Cost of funding earning assets | 0.4021% | 4,628 |
| Net interest margin | 3.0790% | 5,379 |
| Noninterest income to average assets | 1.5135% | 615 |
| Noninterest expense to average assets | 3.1037% | 2,722 |
| Loan and lease loss provision to assets | 0.0687% | 3,760 |
| Net operating income to assets | 0.8068% | 3,260 |
| Return on assets (ROA) | 0.8735% | 2,995 |
| Pretax return on assets | 1.2675% | 2,280 |
| Return on Equity (ROE) | 9.0248% | 2,521 |
| Retained earnings to average equity (ytd only) | 7.0255% | 1,423 |
| Net charge-offs to loans | 0.0626% | 4,337 |
| Credit loss provision to net charge-offs | 248.9209% | 915 |
| Earnings coverage of net charge-offs (x) | 44.9281% | 859 |
| Efficiency ratio | 71.1132% | 3,647 |
| Assets per employee ($millions) | 3.3461% | 5,196 |
| Cash dividends to net income (ytd only)* | 22.1541% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 4,276 |
| Loan loss allowance to noncurrent loans | 516.0000% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 4,480 |
| Noncurrent loans to loans | 0.2468% | 5,442 |
| Net loans and leases to total assets | 47.9054% | 5,304 |
| Net loans and leases to deposits | 54.5053% | 5,426 |
| Net loans and leases to core deposits | 56.5987% | 5,487 |
| Total domestic deposits to total assets | 87.8913% | 2,241 |
| Equity capital to assets | 9.3549% | 4,616 |
| Core capital (leverage) ratio | 8.8302% | 5,234 |
| Tier 1 risk-based capital ratio | 15.6976% | 3,253 |
| Total risk-based capital ratio | 16.8364% | 3,272 |
| Memoranda: | ||
| Average total assets | $503,811,600 | 1,325 |
| Average earning assets | $463,045,200 | 1,313 |
| Average equity | $48,765,400 | 1,448 |
| Average total loans | $222,096,600 | 1,843 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4760% | 5,742 |
| Cost of funding earning assets | 0.4209% | 4,601 |
| Net interest margin | 3.0551% | 5,451 |
| Noninterest income to average assets | 1.6242% | 554 |
| Noninterest expense to average assets | 3.0682% | 2,764 |
| Loan and lease loss provision to assets | 0.0844% | 3,369 |
| Net operating income to assets | 0.8777% | 2,950 |
| Return on assets (ROA) | 0.9699% | 2,604 |
| Pretax return on assets | 1.4199% | 1,867 |
| Return on Equity (ROE) | 9.9337% | 2,212 |
| Retained earnings to average equity (ytd only) | 7.8988% | 1,453 |
| Net charge-offs to loans | 0.0759% | 3,856 |
| Credit loss provision to net charge-offs | 259.0164% | 963 |
| Earnings coverage of net charge-offs (x) | 42.0089% | 970 |
| Efficiency ratio | 68.8155% | 3,943 |
| Assets per employee ($millions) | 3.3273% | 5,235 |
| Cash dividends to net income (ytd only)* | 20.4847% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 3,746 |
| Loan loss allowance to noncurrent loans | 580.8318% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 4,389 |
| Noncurrent loans to loans | 0.2475% | 5,612 |
| Net loans and leases to total assets | 43.5449% | 5,769 |
| Net loans and leases to deposits | 50.3183% | 5,814 |
| Net loans and leases to core deposits | 54.0181% | 5,763 |
| Total domestic deposits to total assets | 86.5389% | 2,939 |
| Equity capital to assets | 9.6233% | 4,387 |
| Core capital (leverage) ratio | 8.8508% | 5,326 |
| Tier 1 risk-based capital ratio | 16.9939% | 2,707 |
| Total risk-based capital ratio | 18.2334% | 2,677 |
| Memoranda: | ||
| Average total assets | $499,265,750 | 1,339 |
| Average earning assets | $459,641,250 | 1,327 |
| Average equity | $48,748,750 | 1,459 |
| Average total loans | $214,298,500 | 1,905 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 5,742 |
| Cost of funding earning assets | 0.4376% | 4,573 |
| Net interest margin | 3.0363% | 5,479 |
| Noninterest income to average assets | 1.6206% | 610 |
| Noninterest expense to average assets | 3.0565% | 2,811 |
| Loan and lease loss provision to assets | 0.0869% | 3,340 |
| Net operating income to assets | 0.8652% | 2,969 |
| Return on assets (ROA) | 1.0042% | 2,449 |
| Pretax return on assets | 1.4762% | 1,688 |
| Return on Equity (ROE) | 10.2348% | 2,112 |
| Retained earnings to average equity (ytd only) | 8.1845% | 1,406 |
| Net charge-offs to loans | 0.0786% | 3,593 |
| Credit loss provision to net charge-offs | 260.2410% | 964 |
| Earnings coverage of net charge-offs (x) | 40.6867% | 920 |
| Efficiency ratio | 68.8628% | 4,033 |
| Assets per employee ($millions) | 3.4013% | 5,056 |
| Cash dividends to net income (ytd only)* | 20.0321% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 3,949 |
| Loan loss allowance to noncurrent loans | 717.7677% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 4,587 |
| Noncurrent loans to loans | 0.1977% | 5,820 |
| Net loans and leases to total assets | 43.7800% | 5,759 |
| Net loans and leases to deposits | 50.5622% | 5,795 |
| Net loans and leases to core deposits | 54.2926% | 5,732 |
| Total domestic deposits to total assets | 86.5864% | 3,069 |
| Equity capital to assets | 9.5316% | 4,545 |
| Core capital (leverage) ratio | 8.7250% | 5,380 |
| Tier 1 risk-based capital ratio | 17.0405% | 2,700 |
| Total risk-based capital ratio | 18.2854% | 2,670 |
| Memoranda: | ||
| Average total assets | $497,103,000 | 1,343 |
| Average earning assets | $457,524,670 | 1,328 |
| Average equity | $48,775,000 | 1,463 |
| Average total loans | $211,250,670 | 1,925 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4554% | 5,820 |
| Cost of funding earning assets | 0.4379% | 4,724 |
| Net interest margin | 3.0176% | 5,522 |
| Noninterest income to average assets | 1.6245% | 589 |
| Noninterest expense to average assets | 3.0642% | 2,798 |
| Loan and lease loss provision to assets | 0.1340% | 2,562 |
| Net operating income to assets | 0.8116% | 3,093 |
| Return on assets (ROA) | 0.8813% | 2,891 |
| Pretax return on assets | 1.3041% | 2,216 |
| Return on Equity (ROE) | 8.8539% | 2,551 |
| Retained earnings to average equity (ytd only) | 6.8269% | 2,238 |
| Net charge-offs to loans | 0.1710% | 2,376 |
| Credit loss provision to net charge-offs | 188.6364% | 1,141 |
| Earnings coverage of net charge-offs (x) | 18.8068% | 1,246 |
| Efficiency ratio | 69.2406% | 4,104 |
| Assets per employee ($millions) | 3.4229% | 5,155 |
| Cash dividends to net income (ytd only)* | 22.8938% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 3,939 |
| Loan loss allowance to noncurrent loans | 393.8931% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 4,585 |
| Noncurrent loans to loans | 0.3726% | 5,471 |
| Net loans and leases to total assets | 41.0274% | 5,921 |
| Net loans and leases to deposits | 47.2721% | 5,975 |
| Net loans and leases to core deposits | 50.2257% | 5,962 |
| Total domestic deposits to total assets | 86.7900% | 3,078 |
| Equity capital to assets | 9.7587% | 4,483 |
| Core capital (leverage) ratio | 8.5310% | 5,546 |
| Tier 1 risk-based capital ratio | 16.7649% | 2,877 |
| Total risk-based capital ratio | 18.0018% | 2,850 |
| Memoranda: | ||
| Average total assets | $495,659,000 | 1,362 |
| Average earning assets | $455,862,500 | 1,348 |
| Average equity | $49,334,000 | 1,470 |
| Average total loans | $205,852,500 | 1,975 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 6,064 |
| Cost of funding earning assets | 0.5920% | 4,420 |
| Net interest margin | 3.1010% | 5,809 |
| Noninterest income to average assets | 1.8953% | 471 |
| Noninterest expense to average assets | 3.2896% | 2,369 |
| Loan and lease loss provision to assets | 0.1411% | 3,843 |
| Net operating income to assets | 0.9094% | 2,772 |
| Return on assets (ROA) | 1.0560% | 2,292 |
| Pretax return on assets | 1.5289% | 1,600 |
| Return on Equity (ROE) | 10.6841% | 1,911 |
| Retained earnings to average equity (ytd only) | 8.6779% | 918 |
| Net charge-offs to loans | 0.1537% | 4,162 |
| Credit loss provision to net charge-offs | 232.2917% | 1,065 |
| Earnings coverage of net charge-offs (x) | 23.9931% | 1,194 |
| Efficiency ratio | 68.7980% | 4,002 |
| Assets per employee ($millions) | 3.3200% | 5,381 |
| Cash dividends to net income (ytd only)* | 18.7775% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 3,733 |
| Loan loss allowance to noncurrent loans | 225.2239% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 4,366 |
| Noncurrent loans to loans | 0.6674% | 4,862 |
| Net loans and leases to total assets | 40.7961% | 6,118 |
| Net loans and leases to deposits | 47.5191% | 6,141 |
| Net loans and leases to core deposits | 50.2479% | 6,134 |
| Total domestic deposits to total assets | 85.8520% | 3,427 |
| Equity capital to assets | 10.1565% | 3,955 |
| Core capital (leverage) ratio | 8.8094% | 5,166 |
| Tier 1 risk-based capital ratio | 17.4636% | 2,465 |
| Total risk-based capital ratio | 18.7139% | 2,436 |
| Memoranda: | ||
| Average total assets | $474,063,600 | 1,398 |
| Average earning assets | $435,984,000 | 1,381 |
| Average equity | $46,854,800 | 1,490 |
| Average total loans | $187,318,800 | 2,119 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 6,148 |
| Cost of funding earning assets | 0.6318% | 4,346 |
| Net interest margin | 3.1088% | 5,920 |
| Noninterest income to average assets | 1.9134% | 446 |
| Noninterest expense to average assets | 3.2863% | 2,307 |
| Loan and lease loss provision to assets | 0.1120% | 4,165 |
| Net operating income to assets | 0.9363% | 2,809 |
| Return on assets (ROA) | 1.0674% | 2,435 |
| Pretax return on assets | 1.5706% | 1,668 |
| Return on Equity (ROE) | 10.8772% | 2,004 |
| Retained earnings to average equity (ytd only) | 8.8453% | 1,288 |
| Net charge-offs to loans | 0.1645% | 3,808 |
| Credit loss provision to net charge-offs | 174.4493% | 1,598 |
| Earnings coverage of net charge-offs (x) | 23.2026% | 1,320 |
| Efficiency ratio | 68.2755% | 4,003 |
| Assets per employee ($millions) | 3.4218% | 5,158 |
| Cash dividends to net income (ytd only)* | 18.6805% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 3,922 |
| Loan loss allowance to noncurrent loans | 671.5311% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 4,997 |
| Noncurrent loans to loans | 0.2246% | 6,049 |
| Net loans and leases to total assets | 38.8241% | 6,364 |
| Net loans and leases to deposits | 44.6245% | 6,469 |
| Net loans and leases to core deposits | 47.0908% | 6,468 |
| Total domestic deposits to total assets | 87.0017% | 2,665 |
| Equity capital to assets | 10.2921% | 4,089 |
| Core capital (leverage) ratio | 8.6165% | 5,601 |
| Tier 1 risk-based capital ratio | 18.4599% | 2,181 |
| Total risk-based capital ratio | 19.7025% | 2,150 |
| Memoranda: | ||
| Average total assets | $471,398,250 | 1,420 |
| Average earning assets | $434,062,250 | 1,409 |
| Average equity | $46,260,750 | 1,521 |
| Average total loans | $183,956,750 | 2,179 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 5,896 |
| Cost of funding earning assets | 0.6761% | 4,216 |
| Net interest margin | 3.2303% | 5,643 |
| Noninterest income to average assets | 1.7176% | 516 |
| Noninterest expense to average assets | 3.3452% | 2,168 |
| Loan and lease loss provision to assets | 0.1235% | 3,984 |
| Net operating income to assets | 0.8162% | 3,324 |
| Return on assets (ROA) | 0.9539% | 2,896 |
| Pretax return on assets | 1.4259% | 2,103 |
| Return on Equity (ROE) | 9.8811% | 2,406 |
| Retained earnings to average equity (ytd only) | 7.8143% | 1,713 |
| Net charge-offs to loans | 0.1561% | 3,668 |
| Credit loss provision to net charge-offs | 203.4965% | 1,401 |
| Earnings coverage of net charge-offs (x) | 22.1399% | 1,315 |
| Efficiency ratio | 70.7405% | 3,642 |
| Assets per employee ($millions) | 3.2423% | 5,572 |
| Cash dividends to net income (ytd only)* | 20.9168% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 4,130 |
| Loan loss allowance to noncurrent loans | 190.2322% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8713% | 4,632 |
| Noncurrent loans to loans | 0.7762% | 4,954 |
| Net loans and leases to total assets | 38.7231% | 6,422 |
| Net loans and leases to deposits | 44.8438% | 6,510 |
| Net loans and leases to core deposits | 47.3488% | 6,494 |
| Total domestic deposits to total assets | 86.3511% | 3,164 |
| Equity capital to assets | 9.8601% | 4,529 |
| Core capital (leverage) ratio | 8.2297% | 6,015 |
| Tier 1 risk-based capital ratio | 17.6440% | 2,416 |
| Total risk-based capital ratio | 18.8938% | 2,389 |
| Memoranda: | ||
| Average total assets | $471,126,000 | 1,423 |
| Average earning assets | $433,398,000 | 1,410 |
| Average equity | $45,480,670 | 1,534 |
| Average total loans | $183,229,000 | 2,181 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 5,898 |
| Cost of funding earning assets | 0.7192% | 4,115 |
| Net interest margin | 3.2335% | 5,687 |
| Noninterest income to average assets | 1.6882% | 522 |
| Noninterest expense to average assets | 3.3259% | 2,215 |
| Loan and lease loss provision to assets | 0.0780% | 4,425 |
| Net operating income to assets | 0.8619% | 3,097 |
| Return on assets (ROA) | 0.9855% | 2,730 |
| Pretax return on assets | 1.4303% | 2,089 |
| Return on Equity (ROE) | 10.3223% | 2,294 |
| Retained earnings to average equity (ytd only) | 8.2130% | 1,899 |
| Net charge-offs to loans | 0.1396% | 3,263 |
| Credit loss provision to net charge-offs | 144.4444% | 1,713 |
| Earnings coverage of net charge-offs (x) | 24.6190% | 1,051 |
| Efficiency ratio | 70.8027% | 3,656 |
| Assets per employee ($millions) | 3.1929% | 5,787 |
| Cash dividends to net income (ytd only)* | 20.4348% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 4,285 |
| Loan loss allowance to noncurrent loans | 475.8929% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.6990% | 5,150 |
| Noncurrent loans to loans | 0.3094% | 6,063 |
| Net loans and leases to total assets | 36.9912% | 6,555 |
| Net loans and leases to deposits | 42.2102% | 6,650 |
| Net loans and leases to core deposits | 44.4900% | 6,640 |
| Total domestic deposits to total assets | 87.6357% | 2,568 |
| Equity capital to assets | 9.1797% | 5,261 |
| Core capital (leverage) ratio | 8.0612% | 6,198 |
| Tier 1 risk-based capital ratio | 17.3779% | 2,526 |
| Total risk-based capital ratio | 18.6020% | 2,500 |
| Memoranda: | ||
| Average total assets | $466,757,500 | 1,437 |
| Average earning assets | $428,272,500 | 1,433 |
| Average equity | $44,563,500 | 1,557 |
| Average total loans | $180,542,000 | 2,234 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 5,929 |
| Cost of funding earning assets | 0.8472% | 4,487 |
| Net interest margin | 3.3982% | 5,486 |
| Noninterest income to average assets | 1.7241% | 477 |
| Noninterest expense to average assets | 3.5245% | 1,927 |
| Loan and lease loss provision to assets | 0.0647% | 5,802 |
| Net operating income to assets | 1.0054% | 2,177 |
| Return on assets (ROA) | 1.0054% | 2,318 |
| Pretax return on assets | 1.2643% | 2,257 |
| Return on Equity (ROE) | 10.4441% | 1,891 |
| Retained earnings to average equity (ytd only) | 6.3188% | 1,845 |
| Net charge-offs to loans | 0.2100% | 4,476 |
| Credit loss provision to net charge-offs | 71.7884% | 4,783 |
| Earnings coverage of net charge-offs (x) | 14.7431% | 1,435 |
| Efficiency ratio | 72.1778% | 3,535 |
| Assets per employee ($millions) | 2.9893% | 6,103 |
| Cash dividends to net income (ytd only)* | 39.4986% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 4,172 |
| Loan loss allowance to noncurrent loans | 167.0044% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.0288% | 4,550 |
| Noncurrent loans to loans | 0.8769% | 4,934 |
| Net loans and leases to total assets | 39.3093% | 6,582 |
| Net loans and leases to deposits | 45.3471% | 6,658 |
| Net loans and leases to core deposits | 48.0343% | 6,641 |
| Total domestic deposits to total assets | 86.6854% | 2,923 |
| Equity capital to assets | 9.9403% | 4,239 |
| Core capital (leverage) ratio | 8.1958% | 6,010 |
| Tier 1 risk-based capital ratio | 17.2104% | 2,505 |
| Total risk-based capital ratio | 18.4408% | 2,478 |
| Memoranda: | ||
| Average total assets | $440,401,600 | 1,481 |
| Average earning assets | $405,572,800 | 1,469 |
| Average equity | $42,397,000 | 1,583 |
| Average total loans | $189,003,600 | 2,142 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1938% | 6,220 |
| Cost of funding earning assets | 0.8707% | 4,630 |
| Net interest margin | 3.3231% | 5,792 |
| Noninterest income to average assets | 1.6554% | 495 |
| Noninterest expense to average assets | 3.4142% | 2,155 |
| Loan and lease loss provision to assets | 0.0868% | 5,360 |
| Net operating income to assets | 0.8530% | 2,927 |
| Return on assets (ROA) | 0.8530% | 3,084 |
| Pretax return on assets | 1.2216% | 2,554 |
| Return on Equity (ROE) | 8.9357% | 2,627 |
| Retained earnings to average equity (ytd only) | 4.0785% | 3,826 |
| Net charge-offs to loans | 0.1889% | 4,284 |
| Credit loss provision to net charge-offs | 105.1661% | 3,166 |
| Earnings coverage of net charge-offs (x) | 15.8489% | 1,435 |
| Efficiency ratio | 71.9133% | 3,568 |
| Assets per employee ($millions) | 3.1716% | 5,749 |
| Cash dividends to net income (ytd only)* | 54.3571% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 4,663 |
| Loan loss allowance to noncurrent loans | 87.4367% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.3240% | 4,157 |
| Noncurrent loans to loans | 1.5726% | 3,940 |
| Net loans and leases to total assets | 42.2185% | 6,490 |
| Net loans and leases to deposits | 48.2574% | 6,612 |
| Net loans and leases to core deposits | 51.2345% | 6,606 |
| Total domestic deposits to total assets | 87.4860% | 2,360 |
| Equity capital to assets | 9.4367% | 5,189 |
| Core capital (leverage) ratio | 7.8731% | 6,511 |
| Tier 1 risk-based capital ratio | 15.7615% | 3,244 |
| Total risk-based capital ratio | 16.9751% | 3,226 |
| Memoranda: | ||
| Average total assets | $437,656,000 | 1,502 |
| Average earning assets | $403,949,000 | 1,490 |
| Average equity | $41,779,000 | 1,615 |
| Average total loans | $191,236,250 | 2,142 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 6,523 |
| Cost of funding earning assets | 0.8903% | 4,755 |
| Net interest margin | 3.1964% | 6,170 |
| Noninterest income to average assets | 1.5758% | 518 |
| Noninterest expense to average assets | 3.4373% | 2,164 |
| Loan and lease loss provision to assets | 0.0702% | 5,430 |
| Net operating income to assets | 0.7306% | 3,383 |
| Return on assets (ROA) | 0.7306% | 3,498 |
| Pretax return on assets | 1.0275% | 3,130 |
| Return on Equity (ROE) | 7.6209% | 3,134 |
| Retained earnings to average equity (ytd only) | 2.8481% | 4,474 |
| Net charge-offs to loans | 0.1830% | 4,065 |
| Credit loss provision to net charge-offs | 87.2093% | 3,546 |
| Earnings coverage of net charge-offs (x) | 13.6279% | 1,533 |
| Efficiency ratio | 75.5576% | 3,096 |
| Assets per employee ($millions) | 3.0679% | 5,937 |
| Cash dividends to net income (ytd only)* | 62.6282% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 5,046 |
| Loan loss allowance to noncurrent loans | 91.8801% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 4,282 |
| Noncurrent loans to loans | 1.4192% | 4,293 |
| Net loans and leases to total assets | 44.8540% | 6,363 |
| Net loans and leases to deposits | 50.9907% | 6,537 |
| Net loans and leases to core deposits | 54.1454% | 6,551 |
| Total domestic deposits to total assets | 87.9650% | 2,159 |
| Equity capital to assets | 9.1914% | 5,291 |
| Core capital (leverage) ratio | 7.8480% | 6,459 |
| Tier 1 risk-based capital ratio | 15.3698% | 3,314 |
| Total risk-based capital ratio | 16.5772% | 3,286 |
| Memoranda: | ||
| Average total assets | $427,074,330 | 1,546 |
| Average earning assets | $395,386,000 | 1,530 |
| Average equity | $40,940,000 | 1,638 |
| Average total loans | $188,002,670 | 2,194 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 6,611 |
| Cost of funding earning assets | 0.9019% | 4,909 |
| Net interest margin | 3.1425% | 6,237 |
| Noninterest income to average assets | 1.5580% | 539 |
| Noninterest expense to average assets | 3.3431% | 2,434 |
| Loan and lease loss provision to assets | 0.0487% | 5,391 |
| Net operating income to assets | 0.7756% | 3,138 |
| Return on assets (ROA) | 0.7756% | 3,212 |
| Pretax return on assets | 1.0893% | 2,796 |
| Return on Equity (ROE) | 7.9083% | 2,955 |
| Retained earnings to average equity (ytd only) | 3.6859% | 3,965 |
| Net charge-offs to loans | 0.0947% | 3,996 |
| Credit loss provision to net charge-offs | 119.0476% | 2,287 |
| Earnings coverage of net charge-offs (x) | 27.8095% | 882 |
| Efficiency ratio | 74.6032% | 3,407 |
| Assets per employee ($millions) | 2.9874% | 6,167 |
| Cash dividends to net income (ytd only)* | 53.3920% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 3,915 |
| Loan loss allowance to noncurrent loans | 90.6610% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 5,408 |
| Noncurrent loans to loans | 1.7206% | 3,921 |
| Net loans and leases to total assets | 42.2023% | 6,600 |
| Net loans and leases to deposits | 48.4643% | 6,723 |
| Net loans and leases to core deposits | 49.7969% | 6,783 |
| Total domestic deposits to total assets | 87.0792% | 2,905 |
| Equity capital to assets | 9.8160% | 4,018 |
| Core capital (leverage) ratio | 8.5408% | 5,367 |
| Tier 1 risk-based capital ratio | 18.6578% | 1,908 |
| Total risk-based capital ratio | 19.9103% | 1,859 |
| Memoranda: | ||
| Average total assets | $410,520,500 | 1,610 |
| Average earning assets | $381,859,500 | 1,583 |
| Average equity | $40,261,500 | 1,656 |
| Average total loans | $177,435,500 | 2,342 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 6,500 |
| Cost of funding earning assets | 1.0930% | 5,168 |
| Net interest margin | 3.3655% | 5,745 |
| Noninterest income to average assets | 1.9023% | 432 |
| Noninterest expense to average assets | 3.3355% | 2,622 |
| Loan and lease loss provision to assets | 0.2582% | 4,730 |
| Net operating income to assets | 1.0042% | 2,028 |
| Return on assets (ROA) | 1.0498% | 1,971 |
| Pretax return on assets | 1.4803% | 1,425 |
| Return on Equity (ROE) | 10.8007% | 1,645 |
| Retained earnings to average equity (ytd only) | 8.5353% | 831 |
| Net charge-offs to loans | 0.1814% | 5,223 |
| Credit loss provision to net charge-offs | 304.1543% | 877 |
| Earnings coverage of net charge-offs (x) | 19.7211% | 1,047 |
| Efficiency ratio | 66.5795% | 4,848 |
| Assets per employee ($millions) | 2.9199% | 6,273 |
| Cash dividends to net income (ytd only)* | 20.9743% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,807 |
| Loan loss allowance to noncurrent loans | 91.9091% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7432% | 5,518 |
| Noncurrent loans to loans | 1.6791% | 3,979 |
| Net loans and leases to total assets | 42.9036% | 6,800 |
| Net loans and leases to deposits | 49.3389% | 6,886 |
| Net loans and leases to core deposits | 51.1482% | 6,939 |
| Total domestic deposits to total assets | 86.9569% | 2,842 |
| Equity capital to assets | 9.7988% | 4,001 |
| Core capital (leverage) ratio | 8.6317% | 5,139 |
| Tier 1 risk-based capital ratio | 18.6283% | 1,809 |
| Total risk-based capital ratio | 19.8809% | 1,781 |
| Memoranda: | ||
| Average total assets | $396,943,600 | 1,663 |
| Average earning assets | $366,511,400 | 1,642 |
| Average equity | $38,581,000 | 1,718 |
| Average total loans | $185,794,800 | 2,293 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5110% | 6,586 |
| Cost of funding earning assets | 1.1349% | 5,224 |
| Net interest margin | 3.3761% | 5,762 |
| Noninterest income to average assets | 1.8992% | 408 |
| Noninterest expense to average assets | 3.3513% | 2,426 |
| Loan and lease loss provision to assets | 0.2968% | 4,202 |
| Net operating income to assets | 0.9538% | 2,402 |
| Return on assets (ROA) | 1.0142% | 2,305 |
| Pretax return on assets | 1.4471% | 1,755 |
| Return on Equity (ROE) | 10.4571% | 1,956 |
| Retained earnings to average equity (ytd only) | 8.1682% | 1,364 |
| Net charge-offs to loans | 0.1996% | 4,751 |
| Credit loss provision to net charge-offs | 312.0996% | 1,013 |
| Earnings coverage of net charge-offs (x) | 17.4305% | 1,326 |
| Efficiency ratio | 66.9076% | 4,674 |
| Assets per employee ($millions) | 2.8042% | 6,577 |
| Cash dividends to net income (ytd only)* | 21.8884% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 4,351 |
| Loan loss allowance to noncurrent loans | 97.0771% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 5,717 |
| Noncurrent loans to loans | 1.4642% | 4,427 |
| Net loans and leases to total assets | 46.2773% | 6,675 |
| Net loans and leases to deposits | 53.6323% | 6,793 |
| Net loans and leases to core deposits | 55.3724% | 6,893 |
| Total domestic deposits to total assets | 86.2862% | 2,928 |
| Equity capital to assets | 10.1416% | 3,960 |
| Core capital (leverage) ratio | 8.5566% | 5,409 |
| Tier 1 risk-based capital ratio | 18.4400% | 1,883 |
| Total risk-based capital ratio | 19.6924% | 1,847 |
| Memoranda: | ||
| Average total assets | $393,983,500 | 1,698 |
| Average earning assets | $362,897,250 | 1,684 |
| Average equity | $38,212,250 | 1,744 |
| Average total loans | $187,710,500 | 2,307 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 6,739 |
| Cost of funding earning assets | 1.1609% | 5,339 |
| Net interest margin | 3.3260% | 5,920 |
| Noninterest income to average assets | 1.9405% | 367 |
| Noninterest expense to average assets | 3.3608% | 2,370 |
| Loan and lease loss provision to assets | 0.4213% | 3,214 |
| Net operating income to assets | 0.8618% | 2,687 |
| Return on assets (ROA) | 0.9063% | 2,647 |
| Pretax return on assets | 1.2833% | 2,142 |
| Return on Equity (ROE) | 9.4909% | 2,276 |
| Retained earnings to average equity (ytd only) | 7.1542% | 1,770 |
| Net charge-offs to loans | 0.1213% | 4,971 |
| Credit loss provision to net charge-offs | 725.4386% | 517 |
| Earnings coverage of net charge-offs (x) | 28.2719% | 956 |
| Efficiency ratio | 67.1792% | 4,731 |
| Assets per employee ($millions) | 2.8160% | 6,540 |
| Cash dividends to net income (ytd only)* | 24.6206% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 4,064 |
| Loan loss allowance to noncurrent loans | 60.9135% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.1366% | 4,857 |
| Noncurrent loans to loans | 2.4149% | 3,234 |
| Net loans and leases to total assets | 45.8200% | 6,788 |
| Net loans and leases to deposits | 53.3473% | 6,901 |
| Net loans and leases to core deposits | 55.0194% | 6,988 |
| Total domestic deposits to total assets | 85.8899% | 3,155 |
| Equity capital to assets | 9.5050% | 4,693 |
| Core capital (leverage) ratio | 8.3422% | 5,686 |
| Tier 1 risk-based capital ratio | 17.6623% | 2,051 |
| Total risk-based capital ratio | 18.9153% | 2,020 |
| Memoranda: | ||
| Average total assets | $392,581,000 | 1,718 |
| Average earning assets | $361,452,330 | 1,700 |
| Average equity | $37,488,670 | 1,774 |
| Average total loans | $187,971,000 | 2,333 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 6,703 |
| Cost of funding earning assets | 1.1883% | 5,465 |
| Net interest margin | 3.3507% | 5,782 |
| Noninterest income to average assets | 2.1444% | 310 |
| Noninterest expense to average assets | 3.4176% | 2,186 |
| Loan and lease loss provision to assets | 0.3750% | 3,120 |
| Net operating income to assets | 1.0018% | 2,178 |
| Return on assets (ROA) | 1.0018% | 2,243 |
| Pretax return on assets | 1.4307% | 1,689 |
| Return on Equity (ROE) | 10.4651% | 1,961 |
| Retained earnings to average equity (ytd only) | 8.0842% | 1,677 |
| Net charge-offs to loans | 0.1087% | 4,338 |
| Credit loss provision to net charge-offs | 709.8039% | 635 |
| Earnings coverage of net charge-offs (x) | 34.1765% | 793 |
| Efficiency ratio | 65.4304% | 5,234 |
| Assets per employee ($millions) | 2.8771% | 6,489 |
| Cash dividends to net income (ytd only)* | 22.7508% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 5,126 |
| Loan loss allowance to noncurrent loans | 86.2545% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 5,684 |
| Noncurrent loans to loans | 1.4661% | 4,542 |
| Net loans and leases to total assets | 46.6439% | 6,781 |
| Net loans and leases to deposits | 53.5151% | 6,948 |
| Net loans and leases to core deposits | 55.2089% | 7,036 |
| Total domestic deposits to total assets | 87.1604% | 2,543 |
| Equity capital to assets | 9.4322% | 4,640 |
| Core capital (leverage) ratio | 8.4005% | 5,557 |
| Tier 1 risk-based capital ratio | 17.5149% | 2,073 |
| Total risk-based capital ratio | 18.7657% | 2,044 |
| Memoranda: | ||
| Average total assets | $386,116,000 | 1,790 |
| Average earning assets | $354,796,000 | 1,763 |
| Average equity | $36,961,000 | 1,823 |
| Average total loans | $187,667,000 | 2,404 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2001% | 5,653 |
| Cost of funding earning assets | 1.4535% | 5,707 |
| Net interest margin | 3.7466% | 3,924 |
| Noninterest income to average assets | 1.8430% | 440 |
| Noninterest expense to average assets | 3.7993% | 1,697 |
| Loan and lease loss provision to assets | 0.1378% | 6,265 |
| Net operating income to assets | 0.9696% | 1,944 |
| Return on assets (ROA) | 0.9696% | 2,001 |
| Pretax return on assets | 1.3455% | 1,570 |
| Return on Equity (ROE) | 9.7443% | 1,766 |
| Retained earnings to average equity (ytd only) | 7.3404% | 863 |
| Net charge-offs to loans | 0.1112% | 6,043 |
| Credit loss provision to net charge-offs | 230.4762% | 1,598 |
| Earnings coverage of net charge-offs (x) | 24.8048% | 898 |
| Efficiency ratio | 71.9207% | 4,273 |
| Assets per employee ($millions) | 2.6237% | 6,993 |
| Cash dividends to net income (ytd only)* | 24.6696% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,910 |
| Loan loss allowance to noncurrent loans | 73.2930% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 5,512 |
| Noncurrent loans to loans | 1.4976% | 4,421 |
| Net loans and leases to total assets | 49.4963% | 6,687 |
| Net loans and leases to deposits | 58.0866% | 6,777 |
| Net loans and leases to core deposits | 68.5131% | 6,848 |
| Total domestic deposits to total assets | 85.2111% | 3,453 |
| Equity capital to assets | 9.7210% | 4,119 |
| Core capital (leverage) ratio | 8.9631% | 4,484 |
| Tier 1 risk-based capital ratio | 18.3096% | 1,812 |
| Total risk-based capital ratio | 19.4643% | 1,789 |
| Memoranda: | ||
| Average total assets | $351,168,400 | 1,936 |
| Average earning assets | $322,398,400 | 1,929 |
| Average equity | $34,943,600 | 1,923 |
| Average total loans | $188,838,800 | 2,419 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3245% | 5,306 |
| Cost of funding earning assets | 1.5028% | 5,813 |
| Net interest margin | 3.8217% | 3,569 |
| Noninterest income to average assets | 1.7939% | 455 |
| Noninterest expense to average assets | 3.8578% | 1,498 |
| Loan and lease loss provision to assets | 0.1221% | 6,139 |
| Net operating income to assets | 0.9344% | 2,291 |
| Return on assets (ROA) | 0.9344% | 2,359 |
| Pretax return on assets | 1.3249% | 1,894 |
| Return on Equity (ROE) | 9.3319% | 2,148 |
| Retained earnings to average equity (ytd only) | 6.8977% | 1,546 |
| Net charge-offs to loans | 0.0804% | 5,874 |
| Credit loss provision to net charge-offs | 277.1930% | 1,516 |
| Earnings coverage of net charge-offs (x) | 32.8588% | 875 |
| Efficiency ratio | 72.7226% | 4,100 |
| Assets per employee ($millions) | 2.5204% | 7,200 |
| Cash dividends to net income (ytd only)* | 26.0851% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 6,062 |
| Loan loss allowance to noncurrent loans | 139.0909% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 6,345 |
| Noncurrent loans to loans | 0.7480% | 5,810 |
| Net loans and leases to total assets | 52.4889% | 6,560 |
| Net loans and leases to deposits | 60.9332% | 6,753 |
| Net loans and leases to core deposits | 72.2577% | 6,830 |
| Total domestic deposits to total assets | 86.1418% | 2,620 |
| Equity capital to assets | 9.9050% | 4,207 |
| Core capital (leverage) ratio | 9.0305% | 4,603 |
| Tier 1 risk-based capital ratio | 18.3146% | 1,904 |
| Total risk-based capital ratio | 19.4562% | 1,877 |
| Memoranda: | ||
| Average total assets | $345,163,500 | 1,989 |
| Average earning assets | $317,095,000 | 1,986 |
| Average equity | $34,561,500 | 1,965 |
| Average total loans | $189,107,250 | 2,436 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4500% | 4,897 |
| Cost of funding earning assets | 1.5392% | 5,978 |
| Net interest margin | 3.9108% | 3,054 |
| Noninterest income to average assets | 1.7643% | 471 |
| Noninterest expense to average assets | 3.8932% | 1,503 |
| Loan and lease loss provision to assets | 0.1617% | 5,447 |
| Net operating income to assets | 0.9151% | 2,395 |
| Return on assets (ROA) | 0.9151% | 2,493 |
| Pretax return on assets | 1.2985% | 2,033 |
| Return on Equity (ROE) | 9.1041% | 2,324 |
| Retained earnings to average equity (ytd only) | 6.6409% | 1,724 |
| Net charge-offs to loans | 0.0584% | 5,680 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 45.1455% | 744 |
| Efficiency ratio | 72.7233% | 4,265 |
| Assets per employee ($millions) | 2.4346% | 7,371 |
| Cash dividends to net income (ytd only)* | 27.0566% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 5,903 |
| Loan loss allowance to noncurrent loans | 180.3235% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 6,356 |
| Noncurrent loans to loans | 0.5830% | 6,090 |
| Net loans and leases to total assets | 55.4190% | 6,284 |
| Net loans and leases to deposits | 65.1016% | 6,470 |
| Net loans and leases to core deposits | 80.0240% | 6,407 |
| Total domestic deposits to total assets | 85.1268% | 3,205 |
| Equity capital to assets | 10.0587% | 3,862 |
| Core capital (leverage) ratio | 9.2106% | 4,294 |
| Tier 1 risk-based capital ratio | 18.3862% | 1,901 |
| Total risk-based capital ratio | 19.5667% | 1,879 |
| Memoranda: | ||
| Average total assets | $340,079,670 | 2,036 |
| Average earning assets | $312,111,670 | 2,042 |
| Average equity | $34,182,330 | 1,982 |
| Average total loans | $188,420,670 | 2,472 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 5,583 |
| Cost of funding earning assets | 1.5930% | 6,061 |
| Net interest margin | 3.7753% | 3,562 |
| Noninterest income to average assets | 1.7698% | 434 |
| Noninterest expense to average assets | 3.8199% | 1,434 |
| Loan and lease loss provision to assets | 0.1578% | 4,912 |
| Net operating income to assets | 0.8784% | 2,802 |
| Return on assets (ROA) | 0.8784% | 2,946 |
| Pretax return on assets | 1.2470% | 2,464 |
| Return on Equity (ROE) | 8.7428% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.2700% | 2,513 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1125% | 3,988 |
| Assets per employee ($millions) | 2.4059% | 7,451 |
| Cash dividends to net income (ytd only)* | 28.2842% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 6,005 |
| Loan loss allowance to noncurrent loans | 4,268.8889% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 7,217 |
| Noncurrent loans to loans | 0.0240% | 7,486 |
| Net loans and leases to total assets | 54.0022% | 6,464 |
| Net loans and leases to deposits | 63.3551% | 6,618 |
| Net loans and leases to core deposits | 78.0850% | 6,532 |
| Total domestic deposits to total assets | 85.2373% | 3,096 |
| Equity capital to assets | 9.9893% | 4,017 |
| Core capital (leverage) ratio | 9.0951% | 4,566 |
| Tier 1 risk-based capital ratio | 18.5704% | 1,911 |
| Total risk-based capital ratio | 19.7338% | 1,898 |
| Memoranda: | ||
| Average total assets | $339,695,000 | 2,047 |
| Average earning assets | $310,865,000 | 2,059 |
| Average equity | $34,131,000 | 1,993 |
| Average total loans | $187,180,000 | 2,507 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8570% | 6,246 |
| Cost of funding earning assets | 2.1779% | 5,691 |
| Net interest margin | 3.6791% | 4,556 |
| Noninterest income to average assets | 1.8423% | 401 |
| Noninterest expense to average assets | 3.7596% | 1,836 |
| Loan and lease loss provision to assets | 0.1043% | 6,048 |
| Net operating income to assets | 0.9239% | 2,901 |
| Return on assets (ROA) | 0.9803% | 2,517 |
| Pretax return on assets | 1.3782% | 2,035 |
| Return on Equity (ROE) | 9.5656% | 2,411 |
| Retained earnings to average equity (ytd only) | 4.0887% | 2,585 |
| Net charge-offs to loans | 0.1585% | 4,607 |
| Credit loss provision to net charge-offs | 117.5439% | 4,582 |
| Earnings coverage of net charge-offs (x) | 15.8140% | 1,904 |
| Efficiency ratio | 72.8232% | 3,791 |
| Assets per employee ($millions) | 2.3127% | 7,541 |
| Cash dividends to net income (ytd only)* | 57.2563% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 6,360 |
| Loan loss allowance to noncurrent loans | 3,971.1111% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 6,981 |
| Noncurrent loans to loans | 0.0241% | 7,420 |
| Net loans and leases to total assets | 55.1254% | 6,536 |
| Net loans and leases to deposits | 65.3365% | 6,688 |
| Net loans and leases to core deposits | 81.2059% | 6,521 |
| Total domestic deposits to total assets | 84.3714% | 3,144 |
| Equity capital to assets | 10.1073% | 3,912 |
| Core capital (leverage) ratio | 9.0583% | 4,655 |
| Tier 1 risk-based capital ratio | 18.2315% | 1,983 |
| Total risk-based capital ratio | 19.3125% | 1,974 |
| Memoranda: | ||
| Average total assets | $321,227,400 | 2,077 |
| Average earning assets | $289,908,800 | 2,105 |
| Average equity | $32,920,000 | 2,053 |
| Average total loans | $179,778,000 | 2,500 |