Home > First National Bank Texas > Performance and Condition Ratios
First National Bank 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 | 3.9297% | 4,054 |
| Cost of funding earning assets | 0.5740% | 4,109 |
| Net interest margin | 3.3557% | 2,506 |
| Noninterest income to average assets | 7.6200% | 98 |
| Noninterest expense to average assets | 8.8598% | 124 |
| Loan and lease loss provision to assets | 0.5200% | 171 |
| Net operating income to assets | 1.1677% | 1,732 |
| Return on assets (ROA) | 1.1173% | 1,843 |
| Pretax return on assets | 1.1173% | 2,357 |
| Return on Equity (ROE) | 30.6700% | 174 |
| Retained earnings to average equity (ytd only) | 22.1580% | 102 |
| Net charge-offs to loans | 1.1327% | 86 |
| Credit loss provision to net charge-offs | 105.5324% | 1,790 |
| Earnings coverage of net charge-offs (x) | 3.4796% | 2,641 |
| Efficiency ratio | 83.9646% | 662 |
| Assets per employee ($millions) | 1.4133% | 4,470 |
| Cash dividends to net income (ytd only)* | 27.7493% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,297 |
| Loan loss allowance to noncurrent loans | 34.4329% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.8370% | 170 |
| Noncurrent loans to loans | 4.1356% | 77 |
| Net loans and leases to total assets | 43.6400% | 3,914 |
| Net loans and leases to deposits | 53.7774% | 3,806 |
| Net loans and leases to core deposits | 54.4302% | 3,964 |
| Total domestic deposits to total assets | 81.1400% | 3,284 |
| Equity capital to assets | 4.6083% | 4,457 |
| Core capital (leverage) ratio | 9.1279% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2855% | 521 |
| Memoranda: | ||
| Average total assets | $4,192,886,800 | 312 |
| Average earning assets | $3,668,277,400 | 312 |
| Average equity | $152,757,800 | 664 |
| Average total loans | $1,799,956,800 | 441 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 3,971 |
| Cost of funding earning assets | 0.5245% | 4,096 |
| Net interest margin | 3.3970% | 2,463 |
| Noninterest income to average assets | 7.7100% | 99 |
| Noninterest expense to average assets | 8.9765% | 121 |
| Loan and lease loss provision to assets | 0.4900% | 161 |
| Net operating income to assets | 1.2154% | 1,753 |
| Return on assets (ROA) | 1.2080% | 1,761 |
| Pretax return on assets | 1.2080% | 2,279 |
| Return on Equity (ROE) | 35.5900% | 159 |
| Retained earnings to average equity (ytd only) | 29.9331% | 92 |
| Net charge-offs to loans | 1.0764% | 87 |
| Credit loss provision to net charge-offs | 101.3058% | 1,609 |
| Earnings coverage of net charge-offs (x) | 3.7213% | 2,430 |
| Efficiency ratio | 84.0317% | 613 |
| Assets per employee ($millions) | 1.3537% | 4,500 |
| Cash dividends to net income (ytd only)* | 15.8978% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 1,432 |
| Loan loss allowance to noncurrent loans | 33.5564% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.9032% | 158 |
| Noncurrent loans to loans | 4.1811% | 70 |
| Net loans and leases to total assets | 44.7900% | 3,882 |
| Net loans and leases to deposits | 52.8834% | 3,846 |
| Net loans and leases to core deposits | 53.3896% | 3,953 |
| Total domestic deposits to total assets | 84.7000% | 2,598 |
| Equity capital to assets | 2.9787% | 4,495 |
| Core capital (leverage) ratio | 9.1108% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0442% | 547 |
| Memoranda: | ||
| Average total assets | $4,165,552,500 | 313 |
| Average earning assets | $3,641,649,500 | 317 |
| Average equity | $141,382,750 | 696 |
| Average total loans | $1,773,841,000 | 447 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 4,024 |
| Cost of funding earning assets | 0.4650% | 4,049 |
| Net interest margin | 3.3298% | 2,685 |
| Noninterest income to average assets | 7.7200% | 96 |
| Noninterest expense to average assets | 8.9533% | 121 |
| Loan and lease loss provision to assets | 0.4200% | 195 |
| Net operating income to assets | 1.2369% | 1,728 |
| Return on assets (ROA) | 1.2275% | 1,747 |
| Pretax return on assets | 1.2275% | 2,294 |
| Return on Equity (ROE) | 34.7700% | 155 |
| Retained earnings to average equity (ytd only) | 34.7742% | 62 |
| Net charge-offs to loans | 1.0186% | 89 |
| Credit loss provision to net charge-offs | 94.1541% | 1,486 |
| Earnings coverage of net charge-offs (x) | 3.9154% | 2,240 |
| Efficiency ratio | 84.3496% | 578 |
| Assets per employee ($millions) | 1.4193% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 1,538 |
| Loan loss allowance to noncurrent loans | 27.8419% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 2.1646% | 123 |
| Noncurrent loans to loans | 5.0225% | 48 |
| Net loans and leases to total assets | 42.4200% | 3,948 |
| Net loans and leases to deposits | 50.5190% | 3,899 |
| Net loans and leases to core deposits | 50.9023% | 3,993 |
| Total domestic deposits to total assets | 83.9800% | 2,820 |
| Equity capital to assets | 3.7718% | 4,525 |
| Core capital (leverage) ratio | 8.7771% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3629% | 533 |
| Memoranda: | ||
| Average total assets | $4,185,021,333 | 303 |
| Average earning assets | $3,633,632,000 | 305 |
| Average equity | $147,730,333 | 674 |
| Average total loans | $1,743,183,667 | 438 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6762% | 4,066 |
| Cost of funding earning assets | 0.3990% | 3,968 |
| Net interest margin | 3.2772% | 2,932 |
| Noninterest income to average assets | 7.5800% | 103 |
| Noninterest expense to average assets | 8.8472% | 124 |
| Loan and lease loss provision to assets | 0.4200% | 191 |
| Net operating income to assets | 1.1448% | 2,084 |
| Return on assets (ROA) | 1.1464% | 2,046 |
| Pretax return on assets | 1.1464% | 2,585 |
| Return on Equity (ROE) | 33.6500% | 177 |
| Retained earnings to average equity (ytd only) | 33.6501% | 88 |
| Net charge-offs to loans | 1.0418% | 74 |
| Credit loss provision to net charge-offs | 89.7026% | 1,178 |
| Earnings coverage of net charge-offs (x) | 3.6751% | 1,876 |
| Efficiency ratio | 84.9450% | 549 |
| Assets per employee ($millions) | 1.4974% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,336 |
| Loan loss allowance to noncurrent loans | 108.1949% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 951 |
| Noncurrent loans to loans | 1.3689% | 482 |
| Net loans and leases to total assets | 38.8100% | 4,088 |
| Net loans and leases to deposits | 46.5801% | 4,013 |
| Net loans and leases to core deposits | 46.8456% | 4,085 |
| Total domestic deposits to total assets | 83.3100% | 3,239 |
| Equity capital to assets | 3.7503% | 4,557 |
| Core capital (leverage) ratio | 8.6758% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1071% | 566 |
| Memoranda: | ||
| Average total assets | $4,160,693,000 | 315 |
| Average earning assets | $3,596,040,000 | 318 |
| Average equity | $141,753,000 | 702 |
| Average total loans | $1,703,996,500 | 456 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1394% | 3,925 |
| Cost of funding earning assets | 0.1375% | 4,191 |
| Net interest margin | 3.0019% | 3,444 |
| Noninterest income to average assets | 8.2200% | 108 |
| Noninterest expense to average assets | 8.9622% | 118 |
| Loan and lease loss provision to assets | 0.5700% | 99 |
| Net operating income to assets | 1.2825% | 1,495 |
| Return on assets (ROA) | 1.2776% | 1,464 |
| Pretax return on assets | 1.2776% | 2,169 |
| Return on Equity (ROE) | 26.3400% | 170 |
| Retained earnings to average equity (ytd only) | 14.2972% | 350 |
| Net charge-offs to loans | 1.1685% | 58 |
| Credit loss provision to net charge-offs | 122.1734% | 1,449 |
| Earnings coverage of net charge-offs (x) | 3.9937% | 2,438 |
| Efficiency ratio | 82.9065% | 547 |
| Assets per employee ($millions) | 1.3583% | 4,633 |
| Cash dividends to net income (ytd only)* | 45.7156% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 918 |
| Loan loss allowance to noncurrent loans | 876.9476% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 3,005 |
| Noncurrent loans to loans | 0.1860% | 2,558 |
| Net loans and leases to total assets | 42.0000% | 3,983 |
| Net loans and leases to deposits | 48.5666% | 3,953 |
| Net loans and leases to core deposits | 49.1415% | 4,015 |
| Total domestic deposits to total assets | 86.4700% | 2,582 |
| Equity capital to assets | 3.0260% | 4,607 |
| Core capital (leverage) ratio | 8.8898% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6016% | 576 |
| Memoranda: | ||
| Average total assets | $3,937,957,600 | 318 |
| Average earning assets | $3,399,382,200 | 322 |
| Average equity | $191,023,400 | 544 |
| Average total loans | $1,559,303,800 | 459 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9867% | 3,907 |
| Cost of funding earning assets | 0.0879% | 4,365 |
| Net interest margin | 2.8988% | 3,506 |
| Noninterest income to average assets | 8.2700% | 111 |
| Noninterest expense to average assets | 8.9577% | 120 |
| Loan and lease loss provision to assets | 0.5200% | 98 |
| Net operating income to assets | 1.3117% | 1,316 |
| Return on assets (ROA) | 1.3050% | 1,301 |
| Pretax return on assets | 1.3050% | 2,037 |
| Return on Equity (ROE) | 24.5900% | 199 |
| Retained earnings to average equity (ytd only) | 14.3758% | 422 |
| Net charge-offs to loans | 1.1539% | 43 |
| Credit loss provision to net charge-offs | 115.2741% | 1,243 |
| Earnings coverage of net charge-offs (x) | 4.0809% | 2,186 |
| Efficiency ratio | 83.0511% | 604 |
| Assets per employee ($millions) | 1.3395% | 4,667 |
| Cash dividends to net income (ytd only)* | 41.5282% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,109 |
| Loan loss allowance to noncurrent loans | 582.4216% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 2,836 |
| Noncurrent loans to loans | 0.2708% | 2,290 |
| Net loans and leases to total assets | 40.9800% | 4,031 |
| Net loans and leases to deposits | 45.1812% | 4,060 |
| Net loans and leases to core deposits | 45.6458% | 4,129 |
| Total domestic deposits to total assets | 90.7100% | 1,357 |
| Equity capital to assets | 2.5002% | 4,628 |
| Core capital (leverage) ratio | 8.9027% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6245% | 455 |
| Memoranda: | ||
| Average total assets | $3,936,306,250 | 318 |
| Average earning assets | $3,409,676,750 | 323 |
| Average equity | $208,938,750 | 509 |
| Average total loans | $1,528,131,750 | 466 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8610% | 3,874 |
| Cost of funding earning assets | 0.0613% | 4,520 |
| Net interest margin | 2.7997% | 3,448 |
| Noninterest income to average assets | 8.1880% | 69 |
| Noninterest expense to average assets | 8.8743% | 83 |
| Loan and lease loss provision to assets | 0.4129% | 139 |
| Net operating income to assets | 1.3135% | 1,100 |
| Return on assets (ROA) | 1.3113% | 1,088 |
| Pretax return on assets | 1.3113% | 1,706 |
| Return on Equity (ROE) | 21.0663% | 240 |
| Retained earnings to average equity (ytd only) | 21.0663% | 61 |
| Net charge-offs to loans | 1.0893% | 58 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 4.1813% | 1,966 |
| Efficiency ratio | 83.7148% | 698 |
| Assets per employee ($millions) | 1.3709% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,315 |
| Loan loss allowance to noncurrent loans | 652.8986% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 3,080 |
| Noncurrent loans to loans | 0.2351% | 2,542 |
| Net loans and leases to total assets | 38.1809% | 4,160 |
| Net loans and leases to deposits | 42.6756% | 4,172 |
| Net loans and leases to core deposits | 42.7966% | 4,238 |
| Total domestic deposits to total assets | 89.4677% | 1,966 |
| Equity capital to assets | 4.5302% | 4,556 |
| Core capital (leverage) ratio | 8.8708% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7537% | 378 |
| Memoranda: | ||
| Average total assets | $3,956,701,667 | 316 |
| Average earning assets | $3,409,762,333 | 323 |
| Average equity | $246,289,333 | 452 |
| Average total loans | $1,499,652,333 | 468 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6540% | 4,024 |
| Cost of funding earning assets | 0.0502% | 4,602 |
| Net interest margin | 2.6038% | 3,652 |
| Noninterest income to average assets | 7.9196% | 72 |
| Noninterest expense to average assets | 8.6492% | 85 |
| Loan and lease loss provision to assets | 0.3881% | 140 |
| Net operating income to assets | 1.1365% | 1,418 |
| Return on assets (ROA) | 1.1308% | 1,434 |
| Pretax return on assets | 1.1308% | 2,047 |
| Return on Equity (ROE) | 16.0052% | 532 |
| Retained earnings to average equity (ytd only) | 16.0052% | 231 |
| Net charge-offs to loans | 1.0358% | 64 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 3.9286% | 1,641 |
| Efficiency ratio | 85.0143% | 787 |
| Assets per employee ($millions) | 1.4124% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 1,341 |
| Loan loss allowance to noncurrent loans | 436.0759% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 2,882 |
| Noncurrent loans to loans | 0.3606% | 2,189 |
| Net loans and leases to total assets | 35.7542% | 4,228 |
| Net loans and leases to deposits | 40.1139% | 4,243 |
| Net loans and leases to core deposits | 40.2255% | 4,306 |
| Total domestic deposits to total assets | 89.1318% | 2,013 |
| Equity capital to assets | 5.6211% | 4,649 |
| Core capital (leverage) ratio | 8.7895% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8726% | 572 |
| Memoranda: | ||
| Average total assets | $3,967,169,000 | 320 |
| Average earning assets | $3,434,491,000 | 326 |
| Average equity | $280,284,500 | 417 |
| Average total loans | $1,486,409,500 | 467 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7298% | 4,284 |
| Cost of funding earning assets | 0.0462% | 4,703 |
| Net interest margin | 2.6836% | 3,906 |
| Noninterest income to average assets | 9.4808% | 67 |
| Noninterest expense to average assets | 9.9936% | 73 |
| Loan and lease loss provision to assets | 0.3260% | 235 |
| Net operating income to assets | 1.5078% | 993 |
| Return on assets (ROA) | 1.5061% | 1,045 |
| Pretax return on assets | 1.5061% | 1,701 |
| Return on Equity (ROE) | 17.4369% | 526 |
| Retained earnings to average equity (ytd only) | 15.2279% | 207 |
| Net charge-offs to loans | 0.7176% | 106 |
| Credit loss provision to net charge-offs | 118.0669% | 1,660 |
| Earnings coverage of net charge-offs (x) | 6.6418% | 2,387 |
| Efficiency ratio | 84.4951% | 548 |
| Assets per employee ($millions) | 1.2988% | 4,797 |
| Cash dividends to net income (ytd only)* | 12.6688% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 1,305 |
| Loan loss allowance to noncurrent loans | 449.2042% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 2,989 |
| Noncurrent loans to loans | 0.3517% | 2,321 |
| Net loans and leases to total assets | 38.0791% | 4,189 |
| Net loans and leases to deposits | 44.4466% | 4,153 |
| Net loans and leases to core deposits | 44.5735% | 4,244 |
| Total domestic deposits to total assets | 85.6739% | 3,025 |
| Equity capital to assets | 8.6104% | 3,979 |
| Core capital (leverage) ratio | 8.9096% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0739% | 441 |
| Memoranda: | ||
| Average total assets | $3,668,565,800 | 322 |
| Average earning assets | $3,207,867,000 | 332 |
| Average equity | $316,879,800 | 383 |
| Average total loans | $1,411,541,800 | 488 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7339% | 4,372 |
| Cost of funding earning assets | 0.0463% | 4,791 |
| Net interest margin | 2.6876% | 4,001 |
| Noninterest income to average assets | 9.5155% | 67 |
| Noninterest expense to average assets | 10.1130% | 69 |
| Loan and lease loss provision to assets | 0.2863% | 288 |
| Net operating income to assets | 1.4630% | 1,351 |
| Return on assets (ROA) | 1.4612% | 1,414 |
| Pretax return on assets | 1.4612% | 2,105 |
| Return on Equity (ROE) | 16.9024% | 775 |
| Retained earnings to average equity (ytd only) | 16.9024% | 245 |
| Net charge-offs to loans | 0.5703% | 137 |
| Credit loss provision to net charge-offs | 130.6660% | 1,414 |
| Earnings coverage of net charge-offs (x) | 7.9842% | 2,119 |
| Efficiency ratio | 85.2531% | 461 |
| Assets per employee ($millions) | 1.3002% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 1,189 |
| Loan loss allowance to noncurrent loans | 815.8830% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 3,600 |
| Noncurrent loans to loans | 0.2039% | 3,138 |
| Net loans and leases to total assets | 36.5252% | 4,362 |
| Net loans and leases to deposits | 41.3904% | 4,401 |
| Net loans and leases to core deposits | 41.5125% | 4,465 |
| Total domestic deposits to total assets | 88.2454% | 1,693 |
| Equity capital to assets | 8.7690% | 4,024 |
| Core capital (leverage) ratio | 8.7931% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5669% | 453 |
| Memoranda: | ||
| Average total assets | $3,627,533,000 | 324 |
| Average earning assets | $3,167,622,000 | 336 |
| Average equity | $313,596,750 | 388 |
| Average total loans | $1,393,706,250 | 500 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7575% | 4,403 |
| Cost of funding earning assets | 0.0480% | 4,831 |
| Net interest margin | 2.7095% | 3,959 |
| Noninterest income to average assets | 9.6423% | 67 |
| Noninterest expense to average assets | 10.3662% | 66 |
| Loan and lease loss provision to assets | 0.2332% | 437 |
| Net operating income to assets | 1.4225% | 1,510 |
| Return on assets (ROA) | 1.4200% | 1,580 |
| Pretax return on assets | 1.4200% | 2,271 |
| Return on Equity (ROE) | 16.5102% | 860 |
| Retained earnings to average equity (ytd only) | 16.5102% | 306 |
| Net charge-offs to loans | 0.3162% | 270 |
| Credit loss provision to net charge-offs | 189.7086% | 1,066 |
| Earnings coverage of net charge-offs (x) | 13.4709% | 1,696 |
| Efficiency ratio | 86.2277% | 464 |
| Assets per employee ($millions) | 1.3014% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 1,115 |
| Loan loss allowance to noncurrent loans | 353.3133% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 3,071 |
| Noncurrent loans to loans | 0.4744% | 2,251 |
| Net loans and leases to total assets | 36.9872% | 4,426 |
| Net loans and leases to deposits | 41.9824% | 4,458 |
| Net loans and leases to core deposits | 42.0941% | 4,515 |
| Total domestic deposits to total assets | 88.1017% | 1,769 |
| Equity capital to assets | 8.8464% | 3,930 |
| Core capital (leverage) ratio | 8.1101% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7139% | 445 |
| Memoranda: | ||
| Average total assets | $3,573,396,667 | 327 |
| Average earning assets | $3,138,173,667 | 337 |
| Average equity | $307,349,333 | 391 |
| Average total loans | $1,389,039,333 | 503 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7407% | 4,440 |
| Cost of funding earning assets | 0.0483% | 4,871 |
| Net interest margin | 2.6923% | 3,986 |
| Noninterest income to average assets | 9.7256% | 74 |
| Noninterest expense to average assets | 10.7148% | 62 |
| Loan and lease loss provision to assets | 0.1661% | 756 |
| Net operating income to assets | 1.1940% | 2,173 |
| Return on assets (ROA) | 1.1912% | 2,252 |
| Pretax return on assets | 1.1912% | 2,868 |
| Return on Equity (ROE) | 14.0644% | 1,418 |
| Retained earnings to average equity (ytd only) | 14.0644% | 749 |
| Net charge-offs to loans | -0.0704% | 4,516 |
| Credit loss provision to net charge-offs | -596.7078% | 3,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7362% | 414 |
| Assets per employee ($millions) | 1.3198% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 1,022 |
| Loan loss allowance to noncurrent loans | 81.2766% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 1,252 |
| Noncurrent loans to loans | 2.1048% | 491 |
| Net loans and leases to total assets | 34.4013% | 4,564 |
| Net loans and leases to deposits | 38.3881% | 4,613 |
| Net loans and leases to core deposits | 38.4680% | 4,659 |
| Total domestic deposits to total assets | 89.6145% | 1,011 |
| Equity capital to assets | 7.3200% | 4,766 |
| Core capital (leverage) ratio | 8.5249% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1244% | 504 |
| Memoranda: | ||
| Average total assets | $3,491,249,000 | 332 |
| Average earning assets | $3,046,413,500 | 339 |
| Average equity | $295,697,500 | 395 |
| Average total loans | $1,380,541,500 | 510 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1449% | 4,511 |
| Cost of funding earning assets | 0.0844% | 4,902 |
| Net interest margin | 3.0605% | 3,729 |
| Noninterest income to average assets | 10.8301% | 66 |
| Noninterest expense to average assets | 11.6313% | 65 |
| Loan and lease loss provision to assets | 0.6378% | 290 |
| Net operating income to assets | 1.2449% | 1,398 |
| Return on assets (ROA) | 1.2489% | 1,495 |
| Pretax return on assets | 1.2489% | 2,163 |
| Return on Equity (ROE) | 13.5651% | 908 |
| Retained earnings to average equity (ytd only) | 13.5651% | 209 |
| Net charge-offs to loans | 1.0249% | 130 |
| Credit loss provision to net charge-offs | 132.4216% | 2,535 |
| Earnings coverage of net charge-offs (x) | 3.9087% | 3,046 |
| Efficiency ratio | 86.0681% | 530 |
| Assets per employee ($millions) | 1.0567% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,451 |
| Loan loss allowance to noncurrent loans | 44.3623% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.5740% | 449 |
| Noncurrent loans to loans | 3.4779% | 202 |
| Net loans and leases to total assets | 44.5576% | 4,221 |
| Net loans and leases to deposits | 51.6066% | 4,237 |
| Net loans and leases to core deposits | 51.7479% | 4,352 |
| Total domestic deposits to total assets | 86.3410% | 2,214 |
| Equity capital to assets | 9.9155% | 3,206 |
| Core capital (leverage) ratio | 8.9905% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7861% | 452 |
| Memoranda: | ||
| Average total assets | $2,861,650,400 | 358 |
| Average earning assets | $2,509,578,800 | 367 |
| Average equity | $263,454,800 | 404 |
| Average total loans | $1,344,975,800 | 499 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3192% | 4,449 |
| Cost of funding earning assets | 0.0882% | 4,950 |
| Net interest margin | 3.2310% | 3,391 |
| Noninterest income to average assets | 12.1367% | 60 |
| Noninterest expense to average assets | 12.9187% | 57 |
| Loan and lease loss provision to assets | 0.6869% | 313 |
| Net operating income to assets | 1.3612% | 1,197 |
| Return on assets (ROA) | 1.3658% | 1,288 |
| Pretax return on assets | 1.3658% | 1,833 |
| Return on Equity (ROE) | 15.1859% | 666 |
| Retained earnings to average equity (ytd only) | 15.1859% | 192 |
| Net charge-offs to loans | 0.9885% | 139 |
| Credit loss provision to net charge-offs | 139.7940% | 2,387 |
| Earnings coverage of net charge-offs (x) | 4.1681% | 2,849 |
| Efficiency ratio | 86.3155% | 487 |
| Assets per employee ($millions) | 0.9673% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 1,427 |
| Loan loss allowance to noncurrent loans | 256.6747% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 3,003 |
| Noncurrent loans to loans | 0.5792% | 2,346 |
| Net loans and leases to total assets | 49.2784% | 4,129 |
| Net loans and leases to deposits | 57.0662% | 4,209 |
| Net loans and leases to core deposits | 57.1699% | 4,332 |
| Total domestic deposits to total assets | 86.3529% | 1,914 |
| Equity capital to assets | 9.7140% | 3,504 |
| Core capital (leverage) ratio | 8.5867% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8205% | 525 |
| Memoranda: | ||
| Average total assets | $2,476,469,750 | 390 |
| Average earning assets | $2,169,236,500 | 403 |
| Average equity | $222,727,000 | 456 |
| Average total loans | $1,231,072,250 | 525 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4730% | 4,446 |
| Cost of funding earning assets | 0.1107% | 4,954 |
| Net interest margin | 3.3623% | 3,217 |
| Noninterest income to average assets | 12.1362% | 56 |
| Noninterest expense to average assets | 12.9550% | 57 |
| Loan and lease loss provision to assets | 0.7466% | 345 |
| Net operating income to assets | 1.3735% | 1,168 |
| Return on assets (ROA) | 1.3804% | 1,247 |
| Pretax return on assets | 1.3804% | 1,771 |
| Return on Equity (ROE) | 15.8270% | 595 |
| Retained earnings to average equity (ytd only) | 15.8270% | 185 |
| Net charge-offs to loans | 1.0125% | 141 |
| Credit loss provision to net charge-offs | 148.6868% | 2,133 |
| Earnings coverage of net charge-offs (x) | 4.2222% | 2,613 |
| Efficiency ratio | 85.9364% | 537 |
| Assets per employee ($millions) | 0.9498% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,199 |
| Loan loss allowance to noncurrent loans | 2,134.0263% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 4,379 |
| Noncurrent loans to loans | 0.0714% | 4,175 |
| Net loans and leases to total assets | 46.8599% | 4,318 |
| Net loans and leases to deposits | 53.4697% | 4,401 |
| Net loans and leases to core deposits | 53.5533% | 4,511 |
| Total domestic deposits to total assets | 87.6383% | 1,358 |
| Equity capital to assets | 8.4713% | 4,494 |
| Core capital (leverage) ratio | 7.5293% | 4,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8526% | 595 |
| Memoranda: | ||
| Average total assets | $2,396,200,333 | 397 |
| Average earning assets | $2,094,467,667 | 407 |
| Average equity | $208,984,000 | 478 |
| Average total loans | $1,188,350,333 | 534 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4118% | 4,723 |
| Cost of funding earning assets | 0.1773% | 4,932 |
| Net interest margin | 3.2345% | 3,772 |
| Noninterest income to average assets | 13.1175% | 49 |
| Noninterest expense to average assets | 13.6752% | 55 |
| Loan and lease loss provision to assets | 0.7812% | 316 |
| Net operating income to assets | 1.4549% | 864 |
| Return on assets (ROA) | 1.4677% | 918 |
| Pretax return on assets | 1.4677% | 1,391 |
| Return on Equity (ROE) | 16.5449% | 379 |
| Retained earnings to average equity (ytd only) | 16.5449% | 129 |
| Net charge-offs to loans | 1.5305% | 94 |
| Credit loss provision to net charge-offs | 100.4804% | 1,806 |
| Earnings coverage of net charge-offs (x) | 2.8762% | 2,247 |
| Efficiency ratio | 85.9466% | 713 |
| Assets per employee ($millions) | 0.7903% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,453 |
| Loan loss allowance to noncurrent loans | 51.5163% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.3895% | 811 |
| Noncurrent loans to loans | 2.8509% | 392 |
| Net loans and leases to total assets | 48.0226% | 4,336 |
| Net loans and leases to deposits | 55.3616% | 4,390 |
| Net loans and leases to core deposits | 55.4551% | 4,515 |
| Total domestic deposits to total assets | 86.7435% | 1,671 |
| Equity capital to assets | 9.0963% | 4,538 |
| Core capital (leverage) ratio | 8.6217% | 4,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3340% | 540 |
| Memoranda: | ||
| Average total assets | $2,248,939,000 | 408 |
| Average earning assets | $1,942,560,000 | 423 |
| Average equity | $199,506,000 | 495 |
| Average total loans | $1,142,337,500 | 532 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7356% | 4,641 |
| Cost of funding earning assets | 0.1837% | 4,993 |
| Net interest margin | 3.5519% | 3,282 |
| Noninterest income to average assets | 14.4235% | 48 |
| Noninterest expense to average assets | 14.5849% | 47 |
| Loan and lease loss provision to assets | 1.0715% | 87 |
| Net operating income to assets | 1.8387% | 491 |
| Return on assets (ROA) | 1.8417% | 511 |
| Pretax return on assets | 1.8417% | 851 |
| Return on Equity (ROE) | 21.0130% | 162 |
| Retained earnings to average equity (ytd only) | 7.4118% | 1,205 |
| Net charge-offs to loans | 1.7932% | 70 |
| Credit loss provision to net charge-offs | 118.6914% | 2,135 |
| Earnings coverage of net charge-offs (x) | 3.2237% | 3,344 |
| Efficiency ratio | 83.3655% | 696 |
| Assets per employee ($millions) | 0.7427% | 5,142 |
| Cash dividends to net income (ytd only)* | 64.7275% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 1,408 |
| Loan loss allowance to noncurrent loans | 46.7338% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6276% | 592 |
| Noncurrent loans to loans | 3.0720% | 305 |
| Net loans and leases to total assets | 52.2216% | 4,210 |
| Net loans and leases to deposits | 65.2017% | 3,994 |
| Net loans and leases to core deposits | 65.3177% | 4,215 |
| Total domestic deposits to total assets | 80.0924% | 3,959 |
| Equity capital to assets | 8.6315% | 4,857 |
| Core capital (leverage) ratio | 8.8054% | 4,662 |
| Tier 1 risk-based capital ratio | 21.1256% | 1,145 |
| Total risk-based capital ratio | 22.4000% | 1,117 |
| Memoranda: | ||
| Average total assets | $2,055,238,800 | 414 |
| Average earning assets | $1,777,349,800 | 434 |
| Average equity | $180,131,600 | 518 |
| Average total loans | $1,034,712,200 | 553 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7763% | 4,699 |
| Cost of funding earning assets | 0.1888% | 5,057 |
| Net interest margin | 3.5876% | 3,285 |
| Noninterest income to average assets | 14.6008% | 49 |
| Noninterest expense to average assets | 14.7882% | 48 |
| Loan and lease loss provision to assets | 0.9982% | 93 |
| Net operating income to assets | 1.9149% | 475 |
| Return on assets (ROA) | 1.9188% | 492 |
| Pretax return on assets | 1.9188% | 827 |
| Return on Equity (ROE) | 21.8041% | 171 |
| Retained earnings to average equity (ytd only) | 11.6999% | 417 |
| Net charge-offs to loans | 1.7441% | 70 |
| Credit loss provision to net charge-offs | 115.3085% | 2,020 |
| Earnings coverage of net charge-offs (x) | 3.3651% | 3,107 |
| Efficiency ratio | 83.5431% | 645 |
| Assets per employee ($millions) | 0.7050% | 5,225 |
| Cash dividends to net income (ytd only)* | 46.3408% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 1,548 |
| Loan loss allowance to noncurrent loans | 47.6596% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.5604% | 689 |
| Noncurrent loans to loans | 2.9546% | 342 |
| Net loans and leases to total assets | 52.0689% | 4,315 |
| Net loans and leases to deposits | 61.0092% | 4,342 |
| Net loans and leases to core deposits | 61.1102% | 4,494 |
| Total domestic deposits to total assets | 85.3460% | 2,276 |
| Equity capital to assets | 9.4764% | 4,475 |
| Core capital (leverage) ratio | 9.0577% | 4,592 |
| Tier 1 risk-based capital ratio | 22.8765% | 955 |
| Total risk-based capital ratio | 24.1504% | 935 |
| Memoranda: | ||
| Average total assets | $2,024,244,000 | 421 |
| Average earning assets | $1,749,371,000 | 441 |
| Average equity | $178,139,750 | 522 |
| Average total loans | $1,004,740,750 | 571 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 4,791 |
| Cost of funding earning assets | 0.1909% | 5,091 |
| Net interest margin | 3.5436% | 3,455 |
| Noninterest income to average assets | 14.3509% | 49 |
| Noninterest expense to average assets | 14.6810% | 46 |
| Loan and lease loss provision to assets | 0.8707% | 112 |
| Net operating income to assets | 1.8541% | 534 |
| Return on assets (ROA) | 1.8591% | 556 |
| Pretax return on assets | 1.8591% | 916 |
| Return on Equity (ROE) | 21.6841% | 175 |
| Retained earnings to average equity (ytd only) | 17.6448% | 89 |
| Net charge-offs to loans | 1.6283% | 71 |
| Credit loss provision to net charge-offs | 110.0963% | 1,845 |
| Earnings coverage of net charge-offs (x) | 3.4453% | 2,842 |
| Efficiency ratio | 84.3454% | 633 |
| Assets per employee ($millions) | 0.7362% | 5,267 |
| Cash dividends to net income (ytd only)* | 18.6279% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 1,785 |
| Loan loss allowance to noncurrent loans | 48.5215% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.3862% | 871 |
| Noncurrent loans to loans | 2.7983% | 380 |
| Net loans and leases to total assets | 48.8660% | 4,532 |
| Net loans and leases to deposits | 56.9416% | 4,559 |
| Net loans and leases to core deposits | 57.0312% | 4,678 |
| Total domestic deposits to total assets | 85.8179% | 2,128 |
| Equity capital to assets | 9.1090% | 4,733 |
| Core capital (leverage) ratio | 8.8791% | 4,734 |
| Tier 1 risk-based capital ratio | 22.2645% | 1,026 |
| Total risk-based capital ratio | 23.5358% | 1,005 |
| Memoranda: | ||
| Average total assets | $2,021,285,330 | 423 |
| Average earning assets | $1,742,501,000 | 445 |
| Average equity | $173,297,330 | 533 |
| Average total loans | $981,740,000 | 586 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 4,928 |
| Cost of funding earning assets | 0.2054% | 5,105 |
| Net interest margin | 3.4284% | 3,817 |
| Noninterest income to average assets | 14.1814% | 46 |
| Noninterest expense to average assets | 14.5240% | 46 |
| Loan and lease loss provision to assets | 0.8058% | 119 |
| Net operating income to assets | 1.8124% | 564 |
| Return on assets (ROA) | 1.8120% | 581 |
| Pretax return on assets | 1.8120% | 960 |
| Return on Equity (ROE) | 21.8411% | 177 |
| Retained earnings to average equity (ytd only) | 21.8411% | 72 |
| Net charge-offs to loans | 1.6709% | 69 |
| Credit loss provision to net charge-offs | 100.3241% | 1,570 |
| Earnings coverage of net charge-offs (x) | 3.2598% | 2,421 |
| Efficiency ratio | 84.7265% | 658 |
| Assets per employee ($millions) | 0.7507% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 1,790 |
| Loan loss allowance to noncurrent loans | 48.2940% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 1,032 |
| Noncurrent loans to loans | 2.8340% | 412 |
| Net loans and leases to total assets | 44.5853% | 4,720 |
| Net loans and leases to deposits | 51.2863% | 4,775 |
| Net loans and leases to core deposits | 51.3639% | 4,853 |
| Total domestic deposits to total assets | 86.9341% | 1,850 |
| Equity capital to assets | 8.2153% | 5,123 |
| Core capital (leverage) ratio | 8.8351% | 4,766 |
| Tier 1 risk-based capital ratio | 23.5173% | 885 |
| Total risk-based capital ratio | 24.7894% | 860 |
| Memoranda: | ||
| Average total assets | $1,997,546,000 | 428 |
| Average earning assets | $1,725,124,500 | 452 |
| Average equity | $165,724,000 | 553 |
| Average total loans | $960,191,000 | 601 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5686% | 4,836 |
| Cost of funding earning assets | 0.1646% | 5,134 |
| Net interest margin | 3.4040% | 3,988 |
| Noninterest income to average assets | 15.3895% | 46 |
| Noninterest expense to average assets | 15.6257% | 42 |
| Loan and lease loss provision to assets | 1.0707% | 77 |
| Net operating income to assets | 1.5960% | 877 |
| Return on assets (ROA) | 1.5952% | 869 |
| Pretax return on assets | 1.5952% | 1,484 |
| Return on Equity (ROE) | 19.5178% | 283 |
| Retained earnings to average equity (ytd only) | 11.5149% | 372 |
| Net charge-offs to loans | 1.9912% | 51 |
| Credit loss provision to net charge-offs | 113.3708% | 2,285 |
| Earnings coverage of net charge-offs (x) | 2.8236% | 3,483 |
| Efficiency ratio | 85.4220% | 559 |
| Assets per employee ($millions) | 0.6665% | 5,372 |
| Cash dividends to net income (ytd only)* | 41.0033% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 1,779 |
| Loan loss allowance to noncurrent loans | 42.4056% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.6492% | 667 |
| Noncurrent loans to loans | 3.2142% | 296 |
| Net loans and leases to total assets | 50.6105% | 4,484 |
| Net loans and leases to deposits | 59.5925% | 4,503 |
| Net loans and leases to core deposits | 59.6978% | 4,644 |
| Total domestic deposits to total assets | 84.9277% | 2,672 |
| Equity capital to assets | 8.3882% | 4,997 |
| Core capital (leverage) ratio | 8.9093% | 4,733 |
| Tier 1 risk-based capital ratio | 22.0158% | 1,032 |
| Total risk-based capital ratio | 23.2875% | 1,005 |
| Memoranda: | ||
| Average total assets | $1,826,962,800 | 452 |
| Average earning assets | $1,558,011,800 | 478 |
| Average equity | $149,319,800 | 576 |
| Average total loans | $866,513,800 | 645 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4861% | 4,940 |
| Cost of funding earning assets | 0.1538% | 5,208 |
| Net interest margin | 3.3322% | 4,196 |
| Noninterest income to average assets | 15.4258% | 46 |
| Noninterest expense to average assets | 15.7101% | 42 |
| Loan and lease loss provision to assets | 1.0141% | 82 |
| Net operating income to assets | 1.5353% | 1,107 |
| Return on assets (ROA) | 1.5343% | 1,113 |
| Pretax return on assets | 1.5343% | 1,792 |
| Return on Equity (ROE) | 18.9011% | 349 |
| Retained earnings to average equity (ytd only) | 14.1505% | 236 |
| Net charge-offs to loans | 1.9495% | 49 |
| Credit loss provision to net charge-offs | 112.0435% | 2,084 |
| Earnings coverage of net charge-offs (x) | 2.8168% | 3,216 |
| Efficiency ratio | 86.0377% | 511 |
| Assets per employee ($millions) | 0.6541% | 5,443 |
| Cash dividends to net income (ytd only)* | 25.1341% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 1,975 |
| Loan loss allowance to noncurrent loans | 43.4099% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.5424% | 822 |
| Noncurrent loans to loans | 3.0577% | 353 |
| Net loans and leases to total assets | 49.7742% | 4,613 |
| Net loans and leases to deposits | 57.4682% | 4,672 |
| Net loans and leases to core deposits | 57.5551% | 4,806 |
| Total domestic deposits to total assets | 86.6117% | 1,912 |
| Equity capital to assets | 8.0251% | 5,167 |
| Core capital (leverage) ratio | 8.8993% | 4,800 |
| Tier 1 risk-based capital ratio | 22.1079% | 1,039 |
| Total risk-based capital ratio | 23.3786% | 1,013 |
| Memoranda: | ||
| Average total assets | $1,815,135,500 | 454 |
| Average earning assets | $1,543,630,000 | 477 |
| Average equity | $147,345,500 | 579 |
| Average total loans | $842,720,500 | 658 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3866% | 5,055 |
| Cost of funding earning assets | 0.1441% | 5,269 |
| Net interest margin | 3.2425% | 4,400 |
| Noninterest income to average assets | 15.3048% | 45 |
| Noninterest expense to average assets | 15.6079% | 41 |
| Loan and lease loss provision to assets | 0.9340% | 88 |
| Net operating income to assets | 1.5276% | 1,084 |
| Return on assets (ROA) | 1.5270% | 1,084 |
| Pretax return on assets | 1.5270% | 1,722 |
| Return on Equity (ROE) | 18.7393% | 354 |
| Retained earnings to average equity (ytd only) | 18.7393% | 84 |
| Net charge-offs to loans | 1.8898% | 58 |
| Credit loss provision to net charge-offs | 109.6598% | 1,900 |
| Earnings coverage of net charge-offs (x) | 2.8902% | 2,938 |
| Efficiency ratio | 86.3772% | 553 |
| Assets per employee ($millions) | 0.6689% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 2,012 |
| Loan loss allowance to noncurrent loans | 49.6175% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 1,128 |
| Noncurrent loans to loans | 2.6891% | 454 |
| Net loans and leases to total assets | 46.1950% | 4,817 |
| Net loans and leases to deposits | 53.0672% | 4,875 |
| Net loans and leases to core deposits | 53.1308% | 4,953 |
| Total domestic deposits to total assets | 87.0501% | 1,817 |
| Equity capital to assets | 8.1012% | 5,189 |
| Core capital (leverage) ratio | 8.7247% | 4,945 |
| Tier 1 risk-based capital ratio | 23.9130% | 842 |
| Total risk-based capital ratio | 25.1843% | 809 |
| Memoranda: | ||
| Average total assets | $1,808,594,670 | 454 |
| Average earning assets | $1,542,085,670 | 478 |
| Average equity | $147,380,330 | 574 |
| Average total loans | $815,120,330 | 677 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2582% | 5,187 |
| Cost of funding earning assets | 0.1392% | 5,315 |
| Net interest margin | 3.1189% | 4,664 |
| Noninterest income to average assets | 15.2289% | 44 |
| Noninterest expense to average assets | 15.2374% | 46 |
| Loan and lease loss provision to assets | 0.9725% | 89 |
| Net operating income to assets | 1.6685% | 737 |
| Return on assets (ROA) | 1.6672% | 743 |
| Pretax return on assets | 1.6672% | 1,200 |
| Return on Equity (ROE) | 20.3977% | 225 |
| Retained earnings to average equity (ytd only) | 20.3977% | 96 |
| Net charge-offs to loans | 2.1001% | 57 |
| Credit loss provision to net charge-offs | 104.8457% | 1,497 |
| Earnings coverage of net charge-offs (x) | 2.8474% | 2,430 |
| Efficiency ratio | 85.2279% | 693 |
| Assets per employee ($millions) | 0.6948% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 1,984 |
| Loan loss allowance to noncurrent loans | 50.4239% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.1553% | 1,330 |
| Noncurrent loans to loans | 2.7001% | 473 |
| Net loans and leases to total assets | 42.2051% | 4,973 |
| Net loans and leases to deposits | 48.0189% | 5,040 |
| Net loans and leases to core deposits | 48.1025% | 5,097 |
| Total domestic deposits to total assets | 87.8926% | 1,683 |
| Equity capital to assets | 7.7091% | 5,362 |
| Core capital (leverage) ratio | 8.7682% | 4,929 |
| Tier 1 risk-based capital ratio | 24.3963% | 805 |
| Total risk-based capital ratio | 25.6679% | 781 |
| Memoranda: | ||
| Average total assets | $1,788,860,000 | 461 |
| Average earning assets | $1,519,630,000 | 487 |
| Average equity | $146,212,500 | 580 |
| Average total loans | $790,051,000 | 702 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1883% | 5,203 |
| Cost of funding earning assets | 0.1137% | 5,437 |
| Net interest margin | 3.0745% | 4,738 |
| Noninterest income to average assets | 16.0512% | 44 |
| Noninterest expense to average assets | 15.9036% | 43 |
| Loan and lease loss provision to assets | 1.2318% | 75 |
| Net operating income to assets | 1.4688% | 873 |
| Return on assets (ROA) | 1.4615% | 890 |
| Pretax return on assets | 1.4615% | 1,772 |
| Return on Equity (ROE) | 17.3051% | 369 |
| Retained earnings to average equity (ytd only) | 12.3285% | 163 |
| Net charge-offs to loans | 2.7630% | 51 |
| Credit loss provision to net charge-offs | 111.6159% | 2,332 |
| Earnings coverage of net charge-offs (x) | 2.4471% | 3,741 |
| Efficiency ratio | 85.4843% | 675 |
| Assets per employee ($millions) | 0.6203% | 5,635 |
| Cash dividends to net income (ytd only)* | 28.7581% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 1,774 |
| Loan loss allowance to noncurrent loans | 63.6251% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.0050% | 1,532 |
| Noncurrent loans to loans | 2.1989% | 660 |
| Net loans and leases to total assets | 45.0657% | 4,933 |
| Net loans and leases to deposits | 53.0727% | 4,931 |
| Net loans and leases to core deposits | 53.2184% | 5,033 |
| Total domestic deposits to total assets | 84.9132% | 2,872 |
| Equity capital to assets | 8.6928% | 4,961 |
| Core capital (leverage) ratio | 8.8384% | 4,826 |
| Tier 1 risk-based capital ratio | 23.8445% | 827 |
| Total risk-based capital ratio | 25.1161% | 810 |
| Memoranda: | ||
| Average total assets | $1,665,490,200 | 471 |
| Average earning assets | $1,382,938,200 | 510 |
| Average equity | $140,658,200 | 577 |
| Average total loans | $665,224,400 | 785 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1351% | 5,301 |
| Cost of funding earning assets | 0.1056% | 5,538 |
| Net interest margin | 3.0295% | 4,855 |
| Noninterest income to average assets | 15.9332% | 48 |
| Noninterest expense to average assets | 15.9497% | 47 |
| Loan and lease loss provision to assets | 1.2017% | 80 |
| Net operating income to assets | 1.2981% | 1,342 |
| Return on assets (ROA) | 1.2883% | 1,406 |
| Pretax return on assets | 1.2883% | 2,550 |
| Return on Equity (ROE) | 15.3692% | 608 |
| Retained earnings to average equity (ytd only) | 15.3692% | 106 |
| Net charge-offs to loans | 2.7655% | 50 |
| Credit loss provision to net charge-offs | 112.9417% | 2,102 |
| Earnings coverage of net charge-offs (x) | 2.3494% | 3,472 |
| Efficiency ratio | 86.4504% | 604 |
| Assets per employee ($millions) | 0.6214% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 1,573 |
| Loan loss allowance to noncurrent loans | 63.6771% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 1,740 |
| Noncurrent loans to loans | 2.3400% | 675 |
| Net loans and leases to total assets | 41.0401% | 5,154 |
| Net loans and leases to deposits | 47.4215% | 5,213 |
| Net loans and leases to core deposits | 47.5648% | 5,268 |
| Total domestic deposits to total assets | 86.5433% | 2,081 |
| Equity capital to assets | 8.9339% | 4,972 |
| Core capital (leverage) ratio | 8.9562% | 4,789 |
| Tier 1 risk-based capital ratio | 26.2181% | 661 |
| Total risk-based capital ratio | 27.4913% | 649 |
| Memoranda: | ||
| Average total assets | $1,659,580,500 | 476 |
| Average earning assets | $1,378,501,250 | 513 |
| Average equity | $139,114,750 | 588 |
| Average total loans | $638,525,750 | 824 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0035% | 5,434 |
| Cost of funding earning assets | 0.0966% | 5,610 |
| Net interest margin | 2.9069% | 5,086 |
| Noninterest income to average assets | 15.7927% | 47 |
| Noninterest expense to average assets | 15.7762% | 46 |
| Loan and lease loss provision to assets | 1.1002% | 88 |
| Net operating income to assets | 1.2977% | 1,305 |
| Return on assets (ROA) | 1.2831% | 1,371 |
| Pretax return on assets | 1.2831% | 2,451 |
| Return on Equity (ROE) | 15.6531% | 576 |
| Retained earnings to average equity (ytd only) | 15.6531% | 114 |
| Net charge-offs to loans | 2.6491% | 54 |
| Credit loss provision to net charge-offs | 111.0352% | 1,877 |
| Earnings coverage of net charge-offs (x) | 2.4201% | 3,164 |
| Efficiency ratio | 86.8062% | 621 |
| Assets per employee ($millions) | 0.6345% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,644 |
| Loan loss allowance to noncurrent loans | 48.8267% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.1421% | 1,508 |
| Noncurrent loans to loans | 3.0329% | 427 |
| Net loans and leases to total assets | 37.1010% | 5,331 |
| Net loans and leases to deposits | 42.4308% | 5,386 |
| Net loans and leases to core deposits | 42.5657% | 5,436 |
| Total domestic deposits to total assets | 87.4389% | 1,751 |
| Equity capital to assets | 8.3798% | 5,363 |
| Core capital (leverage) ratio | 8.5346% | 5,191 |
| Tier 1 risk-based capital ratio | 26.6217% | 632 |
| Total risk-based capital ratio | 27.8941% | 613 |
| Memoranda: | ||
| Average total assets | $1,655,408,670 | 477 |
| Average earning assets | $1,356,100,000 | 520 |
| Average equity | $135,691,670 | 606 |
| Average total loans | $619,164,330 | 851 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9619% | 5,495 |
| Cost of funding earning assets | 0.0838% | 5,705 |
| Net interest margin | 2.8781% | 5,123 |
| Noninterest income to average assets | 15.6646% | 47 |
| Noninterest expense to average assets | 16.0036% | 46 |
| Loan and lease loss provision to assets | 0.9625% | 91 |
| Net operating income to assets | 1.0565% | 2,046 |
| Return on assets (ROA) | 1.0565% | 2,090 |
| Pretax return on assets | 1.0565% | 3,149 |
| Return on Equity (ROE) | 13.0428% | 990 |
| Retained earnings to average equity (ytd only) | 13.0428% | 374 |
| Net charge-offs to loans | 2.7728% | 60 |
| Credit loss provision to net charge-offs | 93.1396% | 1,670 |
| Earnings coverage of net charge-offs (x) | 1.9538% | 2,658 |
| Efficiency ratio | 88.7975% | 615 |
| Assets per employee ($millions) | 0.6450% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 2,179 |
| Loan loss allowance to noncurrent loans | 39.3888% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 1.2210% | 1,431 |
| Noncurrent loans to loans | 3.4965% | 350 |
| Net loans and leases to total assets | 34.4394% | 5,457 |
| Net loans and leases to deposits | 39.1882% | 5,500 |
| Net loans and leases to core deposits | 39.3160% | 5,542 |
| Total domestic deposits to total assets | 87.8821% | 1,783 |
| Equity capital to assets | 7.7401% | 5,618 |
| Core capital (leverage) ratio | 8.5897% | 5,161 |
| Tier 1 risk-based capital ratio | 27.1443% | 617 |
| Total risk-based capital ratio | 28.4153% | 604 |
| Memoranda: | ||
| Average total assets | $1,624,988,000 | 486 |
| Average earning assets | $1,331,306,000 | 531 |
| Average equity | $131,628,500 | 624 |
| Average total loans | $605,588,000 | 871 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0370% | 5,472 |
| Cost of funding earning assets | 0.0746% | 5,791 |
| Net interest margin | 2.9624% | 5,029 |
| Noninterest income to average assets | 16.5297% | 46 |
| Noninterest expense to average assets | 16.6968% | 40 |
| Loan and lease loss provision to assets | 1.2456% | 82 |
| Net operating income to assets | 0.9814% | 2,430 |
| Return on assets (ROA) | 0.9834% | 2,524 |
| Pretax return on assets | 0.9834% | 3,532 |
| Return on Equity (ROE) | 11.3860% | 1,437 |
| Retained earnings to average equity (ytd only) | 11.3860% | 266 |
| Net charge-offs to loans | 3.3935% | 33 |
| Credit loss provision to net charge-offs | 101.8508% | 2,524 |
| Earnings coverage of net charge-offs (x) | 1.8210% | 3,934 |
| Efficiency ratio | 88.2318% | 658 |
| Assets per employee ($millions) | 0.5577% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,931 |
| Loan loss allowance to noncurrent loans | 31.2266% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8404% | 788 |
| Noncurrent loans to loans | 4.6035% | 196 |
| Net loans and leases to total assets | 39.4038% | 5,339 |
| Net loans and leases to deposits | 45.1185% | 5,396 |
| Net loans and leases to core deposits | 45.2822% | 5,457 |
| Total domestic deposits to total assets | 87.3341% | 1,968 |
| Equity capital to assets | 8.5164% | 5,259 |
| Core capital (leverage) ratio | 8.8188% | 4,948 |
| Tier 1 risk-based capital ratio | 24.3799% | 830 |
| Total risk-based capital ratio | 25.6499% | 806 |
| Memoranda: | ||
| Average total assets | $1,528,654,000 | 502 |
| Average earning assets | $1,235,399,400 | 547 |
| Average equity | $132,030,600 | 607 |
| Average total loans | $550,902,200 | 903 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9957% | 5,571 |
| Cost of funding earning assets | 0.0736% | 5,864 |
| Net interest margin | 2.9221% | 5,148 |
| Noninterest income to average assets | 16.4613% | 46 |
| Noninterest expense to average assets | 16.6809% | 41 |
| Loan and lease loss provision to assets | 1.1315% | 83 |
| Net operating income to assets | 1.0092% | 2,390 |
| Return on assets (ROA) | 1.0119% | 2,513 |
| Pretax return on assets | 1.0119% | 3,590 |
| Return on Equity (ROE) | 11.6758% | 1,422 |
| Retained earnings to average equity (ytd only) | 11.6758% | 340 |
| Net charge-offs to loans | 3.2458% | 31 |
| Credit loss provision to net charge-offs | 99.4044% | 2,392 |
| Earnings coverage of net charge-offs (x) | 1.8806% | 3,648 |
| Efficiency ratio | 88.6263% | 641 |
| Assets per employee ($millions) | 0.5689% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 2,145 |
| Loan loss allowance to noncurrent loans | 39.6650% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 1,374 |
| Noncurrent loans to loans | 3.5600% | 353 |
| Net loans and leases to total assets | 37.6461% | 5,485 |
| Net loans and leases to deposits | 43.2639% | 5,537 |
| Net loans and leases to core deposits | 43.4043% | 5,598 |
| Total domestic deposits to total assets | 87.0149% | 1,893 |
| Equity capital to assets | 9.1657% | 5,009 |
| Core capital (leverage) ratio | 8.5998% | 5,262 |
| Tier 1 risk-based capital ratio | 23.4465% | 953 |
| Total risk-based capital ratio | 24.7154% | 931 |
| Memoranda: | ||
| Average total assets | $1,533,834,000 | 502 |
| Average earning assets | $1,238,939,750 | 548 |
| Average equity | $132,933,000 | 603 |
| Average total loans | $537,915,500 | 915 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9478% | 5,690 |
| Cost of funding earning assets | 0.0745% | 5,942 |
| Net interest margin | 2.8733% | 5,308 |
| Noninterest income to average assets | 16.2183% | 47 |
| Noninterest expense to average assets | 16.6127% | 43 |
| Loan and lease loss provision to assets | 0.9294% | 108 |
| Net operating income to assets | 0.9819% | 2,461 |
| Return on assets (ROA) | 0.9836% | 2,597 |
| Pretax return on assets | 0.9836% | 3,643 |
| Return on Equity (ROE) | 11.5701% | 1,456 |
| Retained earnings to average equity (ytd only) | 11.5701% | 380 |
| Net charge-offs to loans | 2.9549% | 44 |
| Credit loss provision to net charge-offs | 92.4113% | 2,213 |
| Earnings coverage of net charge-offs (x) | 1.9004% | 3,354 |
| Efficiency ratio | 89.6820% | 619 |
| Assets per employee ($millions) | 0.5877% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 2,253 |
| Loan loss allowance to noncurrent loans | 39.5905% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2351% | 1,659 |
| Noncurrent loans to loans | 3.5589% | 369 |
| Net loans and leases to total assets | 34.2163% | 5,671 |
| Net loans and leases to deposits | 39.3576% | 5,708 |
| Net loans and leases to core deposits | 39.4830% | 5,762 |
| Total domestic deposits to total assets | 86.9372% | 1,946 |
| Equity capital to assets | 8.7831% | 5,417 |
| Core capital (leverage) ratio | 8.0271% | 5,712 |
| Tier 1 risk-based capital ratio | 23.4531% | 965 |
| Total risk-based capital ratio | 24.7214% | 940 |
| Memoranda: | ||
| Average total assets | $1,535,598,000 | 499 |
| Average earning assets | $1,232,252,330 | 549 |
| Average equity | $130,543,330 | 618 |
| Average total loans | $522,661,330 | 939 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9100% | 5,774 |
| Cost of funding earning assets | 0.0747% | 6,006 |
| Net interest margin | 2.8353% | 5,421 |
| Noninterest income to average assets | 16.0889% | 45 |
| Noninterest expense to average assets | 16.6678% | 42 |
| Loan and lease loss provision to assets | 0.8148% | 125 |
| Net operating income to assets | 0.9052% | 2,730 |
| Return on assets (ROA) | 0.9081% | 2,835 |
| Pretax return on assets | 0.9081% | 3,815 |
| Return on Equity (ROE) | 10.8707% | 1,639 |
| Retained earnings to average equity (ytd only) | 10.8707% | 671 |
| Net charge-offs to loans | 2.7962% | 43 |
| Credit loss provision to net charge-offs | 86.4964% | 1,789 |
| Earnings coverage of net charge-offs (x) | 1.8259% | 2,769 |
| Efficiency ratio | 90.6462% | 629 |
| Assets per employee ($millions) | 0.5930% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,950 |
| Loan loss allowance to noncurrent loans | 41.1064% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.1823% | 1,859 |
| Noncurrent loans to loans | 3.6686% | 354 |
| Net loans and leases to total assets | 31.7413% | 5,787 |
| Net loans and leases to deposits | 35.9370% | 5,830 |
| Net loans and leases to core deposits | 36.0802% | 5,856 |
| Total domestic deposits to total assets | 88.3248% | 1,452 |
| Equity capital to assets | 8.1496% | 5,767 |
| Core capital (leverage) ratio | 7.9672% | 5,787 |
| Tier 1 risk-based capital ratio | 24.4519% | 868 |
| Total risk-based capital ratio | 25.7219% | 851 |
| Memoranda: | ||
| Average total assets | $1,512,596,500 | 506 |
| Average earning assets | $1,226,388,000 | 551 |
| Average equity | $126,358,000 | 637 |
| Average total loans | $509,542,000 | 959 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0822% | 5,656 |
| Cost of funding earning assets | 0.0734% | 6,056 |
| Net interest margin | 3.0088% | 5,118 |
| Noninterest income to average assets | 17.8591% | 46 |
| Noninterest expense to average assets | 18.0055% | 44 |
| Loan and lease loss provision to assets | 1.3800% | 56 |
| Net operating income to assets | 0.9219% | 2,747 |
| Return on assets (ROA) | 0.9485% | 2,698 |
| Pretax return on assets | 0.9485% | 3,657 |
| Return on Equity (ROE) | 11.2737% | 1,523 |
| Retained earnings to average equity (ytd only) | 11.2737% | 318 |
| Net charge-offs to loans | 4.6070% | 11 |
| Credit loss provision to net charge-offs | 91.6513% | 2,730 |
| Earnings coverage of net charge-offs (x) | 1.5288% | 4,068 |
| Efficiency ratio | 88.6649% | 783 |
| Assets per employee ($millions) | 0.5268% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 1,430 |
| Loan loss allowance to noncurrent loans | 44.2812% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 1,596 |
| Noncurrent loans to loans | 3.7633% | 344 |
| Net loans and leases to total assets | 34.7641% | 5,748 |
| Net loans and leases to deposits | 40.0184% | 5,771 |
| Net loans and leases to core deposits | 40.1953% | 5,815 |
| Total domestic deposits to total assets | 86.8702% | 2,208 |
| Equity capital to assets | 8.5868% | 5,490 |
| Core capital (leverage) ratio | 8.2264% | 5,671 |
| Tier 1 risk-based capital ratio | 24.8716% | 824 |
| Total risk-based capital ratio | 26.1429% | 809 |
| Memoranda: | ||
| Average total assets | $1,364,288,200 | 524 |
| Average earning assets | $1,110,101,000 | 580 |
| Average equity | $114,780,400 | 670 |
| Average total loans | $445,884,000 | 1,035 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0591% | 5,756 |
| Cost of funding earning assets | 0.0759% | 6,136 |
| Net interest margin | 2.9832% | 5,237 |
| Noninterest income to average assets | 18.0143% | 48 |
| Noninterest expense to average assets | 18.1368% | 47 |
| Loan and lease loss provision to assets | 1.3109% | 45 |
| Net operating income to assets | 0.9835% | 2,555 |
| Return on assets (ROA) | 1.0191% | 2,475 |
| Pretax return on assets | 1.0191% | 3,541 |
| Return on Equity (ROE) | 12.1785% | 1,327 |
| Retained earnings to average equity (ytd only) | 12.1785% | 347 |
| Net charge-offs to loans | 4.6484% | 9 |
| Credit loss provision to net charge-offs | 88.1698% | 2,494 |
| Earnings coverage of net charge-offs (x) | 1.5432% | 3,813 |
| Efficiency ratio | 88.7701% | 776 |
| Assets per employee ($millions) | 0.5032% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 1,353 |
| Loan loss allowance to noncurrent loans | 48.0799% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2679% | 1,843 |
| Noncurrent loans to loans | 3.6498% | 407 |
| Net loans and leases to total assets | 34.1283% | 5,848 |
| Net loans and leases to deposits | 39.1046% | 5,896 |
| Net loans and leases to core deposits | 39.2905% | 5,937 |
| Total domestic deposits to total assets | 87.2744% | 1,907 |
| Equity capital to assets | 8.8825% | 5,414 |
| Core capital (leverage) ratio | 8.0792% | 5,858 |
| Tier 1 risk-based capital ratio | 24.9425% | 860 |
| Total risk-based capital ratio | 26.2147% | 850 |
| Memoranda: | ||
| Average total assets | $1,352,299,750 | 531 |
| Average earning assets | $1,095,623,500 | 591 |
| Average equity | $113,158,750 | 683 |
| Average total loans | $432,536,750 | 1,061 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0150% | 5,842 |
| Cost of funding earning assets | 0.0773% | 6,204 |
| Net interest margin | 2.9377% | 5,369 |
| Noninterest income to average assets | 17.8110% | 49 |
| Noninterest expense to average assets | 18.0824% | 46 |
| Loan and lease loss provision to assets | 1.1097% | 60 |
| Net operating income to assets | 0.9865% | 2,463 |
| Return on assets (ROA) | 1.0385% | 2,300 |
| Pretax return on assets | 1.0385% | 3,422 |
| Return on Equity (ROE) | 12.6711% | 1,177 |
| Retained earnings to average equity (ytd only) | 12.6711% | 333 |
| Net charge-offs to loans | 4.3958% | 16 |
| Credit loss provision to net charge-offs | 81.2588% | 2,314 |
| Earnings coverage of net charge-offs (x) | 1.5349% | 3,497 |
| Efficiency ratio | 89.6119% | 783 |
| Assets per employee ($millions) | 0.4910% | 6,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8789% | 1,212 |
| Loan loss allowance to noncurrent loans | 54.7715% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1283% | 2,256 |
| Noncurrent loans to loans | 3.4304% | 522 |
| Net loans and leases to total assets | 32.2720% | 5,961 |
| Net loans and leases to deposits | 36.7277% | 6,013 |
| Net loans and leases to core deposits | 36.8936% | 6,050 |
| Total domestic deposits to total assets | 87.8682% | 1,715 |
| Equity capital to assets | 8.2895% | 5,837 |
| Core capital (leverage) ratio | 7.7099% | 6,037 |
| Tier 1 risk-based capital ratio | 24.8071% | 882 |
| Total risk-based capital ratio | 26.0806% | 868 |
| Memoranda: | ||
| Average total assets | $1,351,892,670 | 526 |
| Average earning assets | $1,089,487,000 | 591 |
| Average equity | $110,803,000 | 698 |
| Average total loans | $419,987,330 | 1,092 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0132% | 5,881 |
| Cost of funding earning assets | 0.0785% | 6,273 |
| Net interest margin | 2.9347% | 5,378 |
| Noninterest income to average assets | 17.2650% | 49 |
| Noninterest expense to average assets | 18.2643% | 46 |
| Loan and lease loss provision to assets | 0.8349% | 103 |
| Net operating income to assets | 0.5051% | 4,662 |
| Return on assets (ROA) | 0.6089% | 4,337 |
| Pretax return on assets | 0.6089% | 4,893 |
| Return on Equity (ROE) | 7.4714% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.4714% | 1,780 |
| Net charge-offs to loans | 4.5421% | 18 |
| Credit loss provision to net charge-offs | 60.9388% | 1,988 |
| Earnings coverage of net charge-offs (x) | 0.9780% | 2,983 |
| Efficiency ratio | 93.1650% | 638 |
| Assets per employee ($millions) | 0.4885% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 1,081 |
| Loan loss allowance to noncurrent loans | 60.1918% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 2,655 |
| Noncurrent loans to loans | 3.3223% | 607 |
| Net loans and leases to total assets | 28.6648% | 6,117 |
| Net loans and leases to deposits | 32.4275% | 6,149 |
| Net loans and leases to core deposits | 32.6095% | 6,174 |
| Total domestic deposits to total assets | 88.3966% | 1,596 |
| Equity capital to assets | 8.0081% | 6,027 |
| Core capital (leverage) ratio | 7.4203% | 6,169 |
| Tier 1 risk-based capital ratio | 24.5296% | 937 |
| Total risk-based capital ratio | 25.7365% | 921 |
| Memoranda: | ||
| Average total assets | $1,355,872,500 | 523 |
| Average earning assets | $1,080,721,000 | 596 |
| Average equity | $110,502,000 | 695 |
| Average total loans | $408,971,500 | 1,121 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3796% | 5,570 |
| Cost of funding earning assets | 0.0911% | 6,351 |
| Net interest margin | 3.2885% | 4,622 |
| Noninterest income to average assets | 20.6015% | 41 |
| Noninterest expense to average assets | 21.2949% | 34 |
| Loan and lease loss provision to assets | 0.6445% | 208 |
| Net operating income to assets | 1.3458% | 1,198 |
| Return on assets (ROA) | 1.3467% | 1,245 |
| Pretax return on assets | 1.3467% | 2,087 |
| Return on Equity (ROE) | 17.2460% | 469 |
| Retained earnings to average equity (ytd only) | 17.2460% | 100 |
| Net charge-offs to loans | 2.3146% | 67 |
| Credit loss provision to net charge-offs | 91.7452% | 2,610 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 4,051 |
| Efficiency ratio | 91.4527% | 744 |
| Assets per employee ($millions) | 0.4475% | 6,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4665% | 576 |
| Loan loss allowance to noncurrent loans | 70.9488% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 2,561 |
| Noncurrent loans to loans | 3.4765% | 593 |
| Net loans and leases to total assets | 30.3773% | 6,162 |
| Net loans and leases to deposits | 34.8460% | 6,197 |
| Net loans and leases to core deposits | 35.1338% | 6,217 |
| Total domestic deposits to total assets | 87.1759% | 2,182 |
| Equity capital to assets | 8.3024% | 5,890 |
| Core capital (leverage) ratio | 7.9216% | 6,041 |
| Tier 1 risk-based capital ratio | 24.2478% | 921 |
| Total risk-based capital ratio | 25.5113% | 902 |
| Memoranda: | ||
| Average total assets | $1,238,237,400 | 547 |
| Average earning assets | $1,010,502,000 | 601 |
| Average equity | $96,689,200 | 758 |
| Average total loans | $375,794,600 | 1,175 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3882% | 5,616 |
| Cost of funding earning assets | 0.0923% | 6,436 |
| Net interest margin | 3.2959% | 4,619 |
| Noninterest income to average assets | 21.0088% | 38 |
| Noninterest expense to average assets | 21.6942% | 31 |
| Loan and lease loss provision to assets | 0.6153% | 218 |
| Net operating income to assets | 1.4279% | 1,077 |
| Return on assets (ROA) | 1.4291% | 1,110 |
| Pretax return on assets | 1.4291% | 1,890 |
| Return on Equity (ROE) | 18.6168% | 386 |
| Retained earnings to average equity (ytd only) | 18.6168% | 97 |
| Net charge-offs to loans | 2.2103% | 85 |
| Credit loss provision to net charge-offs | 92.3783% | 2,394 |
| Earnings coverage of net charge-offs (x) | 3.0675% | 3,752 |
| Efficiency ratio | 91.3923% | 745 |
| Assets per employee ($millions) | 0.4178% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6045% | 568 |
| Loan loss allowance to noncurrent loans | 71.8787% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 2,605 |
| Noncurrent loans to loans | 3.6235% | 647 |
| Net loans and leases to total assets | 31.5599% | 6,201 |
| Net loans and leases to deposits | 36.1614% | 6,239 |
| Net loans and leases to core deposits | 36.6935% | 6,268 |
| Total domestic deposits to total assets | 87.2753% | 2,167 |
| Equity capital to assets | 8.4842% | 5,810 |
| Core capital (leverage) ratio | 7.7723% | 6,180 |
| Tier 1 risk-based capital ratio | 23.8398% | 1,007 |
| Total risk-based capital ratio | 25.1046% | 985 |
| Memoranda: | ||
| Average total assets | $1,221,226,500 | 551 |
| Average earning assets | $1,011,011,000 | 602 |
| Average equity | $93,748,250 | 787 |
| Average total loans | $368,031,250 | 1,205 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3953% | 5,627 |
| Cost of funding earning assets | 0.0926% | 6,497 |
| Net interest margin | 3.3026% | 4,576 |
| Noninterest income to average assets | 20.7918% | 37 |
| Noninterest expense to average assets | 21.7005% | 29 |
| Loan and lease loss provision to assets | 0.4180% | 398 |
| Net operating income to assets | 1.4038% | 1,052 |
| Return on assets (ROA) | 1.4056% | 1,088 |
| Pretax return on assets | 1.4056% | 1,873 |
| Return on Equity (ROE) | 18.9742% | 363 |
| Retained earnings to average equity (ytd only) | 18.9742% | 100 |
| Net charge-offs to loans | 1.9374% | 121 |
| Credit loss provision to net charge-offs | 73.4330% | 2,413 |
| Earnings coverage of net charge-offs (x) | 3.2004% | 3,366 |
| Efficiency ratio | 92.2549% | 748 |
| Assets per employee ($millions) | 0.4336% | 6,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6117% | 598 |
| Loan loss allowance to noncurrent loans | 85.0039% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 3,226 |
| Noncurrent loans to loans | 3.0725% | 929 |
| Net loans and leases to total assets | 29.4017% | 6,327 |
| Net loans and leases to deposits | 33.3254% | 6,361 |
| Net loans and leases to core deposits | 34.0282% | 6,373 |
| Total domestic deposits to total assets | 88.2261% | 1,771 |
| Equity capital to assets | 8.0573% | 6,120 |
| Core capital (leverage) ratio | 7.3598% | 6,352 |
| Tier 1 risk-based capital ratio | 24.2417% | 954 |
| Total risk-based capital ratio | 25.5072% | 935 |
| Memoranda: | ||
| Average total assets | $1,221,964,000 | 553 |
| Average earning assets | $1,010,279,670 | 601 |
| Average equity | $90,523,000 | 812 |
| Average total loans | $359,039,000 | 1,226 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4452% | 5,546 |
| Cost of funding earning assets | 0.0933% | 6,580 |
| Net interest margin | 3.3518% | 4,330 |
| Noninterest income to average assets | 19.8270% | 38 |
| Noninterest expense to average assets | 21.5980% | 33 |
| Loan and lease loss provision to assets | 0.1055% | 2,160 |
| Net operating income to assets | 0.8902% | 2,699 |
| Return on assets (ROA) | 0.8902% | 2,765 |
| Pretax return on assets | 0.8902% | 3,737 |
| Return on Equity (ROE) | 12.5846% | 1,265 |
| Retained earnings to average equity (ytd only) | 12.5846% | 534 |
| Net charge-offs to loans | 1.7181% | 173 |
| Credit loss provision to net charge-offs | 21.1960% | 2,489 |
| Earnings coverage of net charge-offs (x) | 2.0007% | 2,970 |
| Efficiency ratio | 95.5933% | 666 |
| Assets per employee ($millions) | 0.4372% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7120% | 613 |
| Loan loss allowance to noncurrent loans | 80.8228% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 3,421 |
| Noncurrent loans to loans | 3.3555% | 905 |
| Net loans and leases to total assets | 26.7900% | 6,449 |
| Net loans and leases to deposits | 30.0101% | 6,479 |
| Net loans and leases to core deposits | 30.6181% | 6,488 |
| Total domestic deposits to total assets | 89.2697% | 1,496 |
| Equity capital to assets | 6.9888% | 6,447 |
| Core capital (leverage) ratio | 7.0290% | 6,463 |
| Tier 1 risk-based capital ratio | 24.3838% | 951 |
| Total risk-based capital ratio | 25.6506% | 934 |
| Memoranda: | ||
| Average total assets | $1,209,665,000 | 561 |
| Average earning assets | $998,493,500 | 610 |
| Average equity | $85,565,000 | 857 |
| Average total loans | $350,389,000 | 1,253 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5036% | 5,632 |
| Cost of funding earning assets | 0.1093% | 6,650 |
| Net interest margin | 3.3944% | 4,294 |
| Noninterest income to average assets | 21.2843% | 36 |
| Noninterest expense to average assets | 22.3133% | 32 |
| Loan and lease loss provision to assets | 0.6327% | 385 |
| Net operating income to assets | 1.1255% | 1,850 |
| Return on assets (ROA) | 1.1531% | 1,814 |
| Pretax return on assets | 1.1531% | 2,762 |
| Return on Equity (ROE) | 14.7217% | 811 |
| Retained earnings to average equity (ytd only) | 11.6859% | 350 |
| Net charge-offs to loans | 2.1231% | 163 |
| Credit loss provision to net charge-offs | 110.8706% | 2,171 |
| Earnings coverage of net charge-offs (x) | 3.0811% | 3,958 |
| Efficiency ratio | 92.6958% | 828 |
| Assets per employee ($millions) | 0.3913% | 6,780 |
| Cash dividends to net income (ytd only)* | 20.6215% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0898% | 424 |
| Loan loss allowance to noncurrent loans | 85.1386% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1096% | 3,188 |
| Noncurrent loans to loans | 3.6292% | 838 |
| Net loans and leases to total assets | 29.6294% | 6,470 |
| Net loans and leases to deposits | 33.4140% | 6,497 |
| Net loans and leases to core deposits | 34.0706% | 6,517 |
| Total domestic deposits to total assets | 88.6737% | 1,815 |
| Equity capital to assets | 7.1687% | 6,407 |
| Core capital (leverage) ratio | 7.3231% | 6,436 |
| Tier 1 risk-based capital ratio | 22.7864% | 1,132 |
| Total risk-based capital ratio | 24.0560% | 1,102 |
| Memoranda: | ||
| Average total assets | $1,141,311,000 | 576 |
| Average earning assets | $937,166,000 | 635 |
| Average equity | $89,398,600 | 787 |
| Average total loans | $306,772,000 | 1,381 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3939% | 5,887 |
| Cost of funding earning assets | 0.1104% | 6,747 |
| Net interest margin | 3.2834% | 4,704 |
| Noninterest income to average assets | 21.2902% | 35 |
| Noninterest expense to average assets | 22.2646% | 34 |
| Loan and lease loss provision to assets | 0.5629% | 458 |
| Net operating income to assets | 1.1666% | 1,752 |
| Return on assets (ROA) | 1.2032% | 1,693 |
| Pretax return on assets | 1.2032% | 2,682 |
| Return on Equity (ROE) | 15.0424% | 794 |
| Retained earnings to average equity (ytd only) | 12.0298% | 420 |
| Net charge-offs to loans | 1.9370% | 201 |
| Credit loss provision to net charge-offs | 111.9573% | 2,109 |
| Earnings coverage of net charge-offs (x) | 3.4398% | 3,701 |
| Efficiency ratio | 92.7917% | 803 |
| Assets per employee ($millions) | 0.3964% | 6,859 |
| Cash dividends to net income (ytd only)* | 20.0272% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 4,208 |
| Loan loss allowance to noncurrent loans | 38.5261% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 3,640 |
| Noncurrent loans to loans | 3.4701% | 1,102 |
| Net loans and leases to total assets | 28.6173% | 6,577 |
| Net loans and leases to deposits | 32.2989% | 6,613 |
| Net loans and leases to core deposits | 33.0672% | 6,629 |
| Total domestic deposits to total assets | 88.6013% | 1,783 |
| Equity capital to assets | 7.6396% | 6,333 |
| Core capital (leverage) ratio | 7.2454% | 6,530 |
| Tier 1 risk-based capital ratio | 23.6041% | 1,059 |
| Total risk-based capital ratio | 24.8354% | 1,038 |
| Memoranda: | ||
| Average total assets | $1,142,072,750 | 578 |
| Average earning assets | $940,495,500 | 634 |
| Average equity | $91,348,500 | 775 |
| Average total loans | $296,461,500 | 1,424 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3086% | 6,072 |
| Cost of funding earning assets | 0.1114% | 6,800 |
| Net interest margin | 3.1972% | 4,959 |
| Noninterest income to average assets | 21.0938% | 37 |
| Noninterest expense to average assets | 22.0160% | 35 |
| Loan and lease loss provision to assets | 0.4610% | 622 |
| Net operating income to assets | 1.2469% | 1,469 |
| Return on assets (ROA) | 1.2996% | 1,411 |
| Pretax return on assets | 1.2996% | 2,299 |
| Return on Equity (ROE) | 16.0096% | 669 |
| Retained earnings to average equity (ytd only) | 16.0096% | 191 |
| Net charge-offs to loans | 1.7442% | 276 |
| Credit loss provision to net charge-offs | 105.9462% | 2,089 |
| Earnings coverage of net charge-offs (x) | 3.9249% | 3,267 |
| Efficiency ratio | 92.8007% | 833 |
| Assets per employee ($millions) | 0.4091% | 6,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,470 |
| Loan loss allowance to noncurrent loans | 46.7322% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 4,362 |
| Noncurrent loans to loans | 2.7983% | 1,620 |
| Net loans and leases to total assets | 25.8242% | 6,687 |
| Net loans and leases to deposits | 28.9148% | 6,725 |
| Net loans and leases to core deposits | 29.6699% | 6,722 |
| Total domestic deposits to total assets | 89.3112% | 1,439 |
| Equity capital to assets | 7.4586% | 6,458 |
| Core capital (leverage) ratio | 7.0954% | 6,586 |
| Tier 1 risk-based capital ratio | 23.6169% | 1,044 |
| Total risk-based capital ratio | 24.7571% | 1,041 |
| Memoranda: | ||
| Average total assets | $1,143,929,670 | 575 |
| Average earning assets | $941,066,330 | 636 |
| Average equity | $92,856,670 | 758 |
| Average total loans | $285,401,000 | 1,486 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2078% | 6,289 |
| Cost of funding earning assets | 0.1135% | 6,882 |
| Net interest margin | 3.0943% | 5,280 |
| Noninterest income to average assets | 20.8726% | 37 |
| Noninterest expense to average assets | 22.2191% | 35 |
| Loan and lease loss provision to assets | 0.3884% | 806 |
| Net operating income to assets | 0.8220% | 3,040 |
| Return on assets (ROA) | 0.8412% | 3,086 |
| Pretax return on assets | 0.8412% | 3,994 |
| Return on Equity (ROE) | 9.9397% | 2,088 |
| Retained earnings to average equity (ytd only) | 9.9397% | 1,124 |
| Net charge-offs to loans | 1.7922% | 273 |
| Credit loss provision to net charge-offs | 89.1517% | 2,040 |
| Earnings coverage of net charge-offs (x) | 2.7781% | 2,940 |
| Efficiency ratio | 94.8338% | 787 |
| Assets per employee ($millions) | 0.4231% | 6,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4850% | 418 |
| Loan loss allowance to noncurrent loans | 117.2047% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 4,592 |
| Noncurrent loans to loans | 2.9734% | 1,689 |
| Net loans and leases to total assets | 22.4880% | 6,809 |
| Net loans and leases to deposits | 25.3138% | 6,841 |
| Net loans and leases to core deposits | 25.9641% | 6,837 |
| Total domestic deposits to total assets | 88.8369% | 1,775 |
| Equity capital to assets | 7.9189% | 6,423 |
| Core capital (leverage) ratio | 6.9490% | 6,657 |
| Tier 1 risk-based capital ratio | 22.8485% | 1,182 |
| Total risk-based capital ratio | 24.1187% | 1,156 |
| Memoranda: | ||
| Average total assets | $1,125,554,500 | 594 |
| Average earning assets | $930,098,000 | 649 |
| Average equity | $95,254,000 | 752 |
| Average total loans | $273,631,000 | 1,556 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 6,103 |
| Cost of funding earning assets | 0.1494% | 6,919 |
| Net interest margin | 3.5198% | 4,422 |
| Noninterest income to average assets | 21.8027% | 37 |
| Noninterest expense to average assets | 22.9051% | 31 |
| Loan and lease loss provision to assets | 0.7226% | 704 |
| Net operating income to assets | 1.1121% | 1,901 |
| Return on assets (ROA) | 1.2025% | 1,765 |
| Pretax return on assets | 1.2025% | 2,801 |
| Return on Equity (ROE) | 13.0225% | 1,217 |
| Retained earnings to average equity (ytd only) | 3.7475% | 3,578 |
| Net charge-offs to loans | 2.4364% | 257 |
| Credit loss provision to net charge-offs | 141.4792% | 1,938 |
| Earnings coverage of net charge-offs (x) | 3.5921% | 3,667 |
| Efficiency ratio | 92.5838% | 884 |
| Assets per employee ($millions) | 0.3696% | 7,050 |
| Cash dividends to net income (ytd only)* | 71.2227% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8217% | 326 |
| Loan loss allowance to noncurrent loans | 138.4372% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 4,723 |
| Noncurrent loans to loans | 2.7606% | 1,915 |
| Net loans and leases to total assets | 24.5333% | 6,847 |
| Net loans and leases to deposits | 27.9870% | 6,872 |
| Net loans and leases to core deposits | 28.8261% | 6,868 |
| Total domestic deposits to total assets | 87.6598% | 2,440 |
| Equity capital to assets | 9.1073% | 5,396 |
| Core capital (leverage) ratio | 7.2500% | 6,612 |
| Tier 1 risk-based capital ratio | 21.5197% | 1,356 |
| Total risk-based capital ratio | 22.7230% | 1,337 |
| Memoranda: | ||
| Average total assets | $1,027,061,000 | 650 |
| Average earning assets | $857,041,400 | 697 |
| Average equity | $94,836,200 | 746 |
| Average total loans | $215,315,000 | 1,883 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 6,479 |
| Cost of funding earning assets | 0.1544% | 7,030 |
| Net interest margin | 3.3724% | 5,130 |
| Noninterest income to average assets | 21.6170% | 38 |
| Noninterest expense to average assets | 22.6399% | 32 |
| Loan and lease loss provision to assets | 0.4636% | 1,338 |
| Net operating income to assets | 1.3294% | 1,376 |
| Return on assets (ROA) | 1.3294% | 1,511 |
| Pretax return on assets | 1.3294% | 2,496 |
| Return on Equity (ROE) | 14.3476% | 1,038 |
| Retained earnings to average equity (ytd only) | 3.8701% | 4,167 |
| Net charge-offs to loans | 2.3437% | 276 |
| Credit loss provision to net charge-offs | 99.7763% | 3,011 |
| Earnings coverage of net charge-offs (x) | 3.8591% | 3,487 |
| Efficiency ratio | 92.6618% | 848 |
| Assets per employee ($millions) | 0.3902% | 7,149 |
| Cash dividends to net income (ytd only)* | 73.0258% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 3,238 |
| Loan loss allowance to noncurrent loans | 57.9203% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 5,144 |
| Noncurrent loans to loans | 2.8903% | 1,933 |
| Net loans and leases to total assets | 20.5339% | 7,018 |
| Net loans and leases to deposits | 23.3871% | 7,048 |
| Net loans and leases to core deposits | 24.2524% | 7,049 |
| Total domestic deposits to total assets | 87.7998% | 2,171 |
| Equity capital to assets | 9.1000% | 5,709 |
| Core capital (leverage) ratio | 7.2500% | 6,732 |
| Tier 1 risk-based capital ratio | 21.6206% | 1,397 |
| Total risk-based capital ratio | 22.6786% | 1,406 |
| Memoranda: | ||
| Average total assets | $1,026,221,500 | 652 |
| Average earning assets | $856,863,000 | 703 |
| Average equity | $95,084,500 | 746 |
| Average total loans | $203,433,500 | 2,000 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5452% | 6,552 |
| Cost of funding earning assets | 0.1593% | 7,097 |
| Net interest margin | 3.3859% | 5,136 |
| Noninterest income to average assets | 21.4511% | 36 |
| Noninterest expense to average assets | 22.5380% | 34 |
| Loan and lease loss provision to assets | 0.3793% | 1,727 |
| Net operating income to assets | 1.3872% | 1,215 |
| Return on assets (ROA) | 1.3872% | 1,362 |
| Pretax return on assets | 1.3872% | 2,249 |
| Return on Equity (ROE) | 14.8791% | 956 |
| Retained earnings to average equity (ytd only) | 12.1600% | 558 |
| Net charge-offs to loans | 2.0110% | 412 |
| Credit loss provision to net charge-offs | 96.9316% | 2,859 |
| Earnings coverage of net charge-offs (x) | 4.5146% | 3,057 |
| Efficiency ratio | 92.7321% | 880 |
| Assets per employee ($millions) | 0.3865% | 7,212 |
| Cash dividends to net income (ytd only)* | 18.2747% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 2,763 |
| Loan loss allowance to noncurrent loans | 39.8511% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 4,579 |
| Noncurrent loans to loans | 4.5821% | 1,145 |
| Net loans and leases to total assets | 19.0592% | 7,094 |
| Net loans and leases to deposits | 21.8300% | 7,115 |
| Net loans and leases to core deposits | 22.7669% | 7,114 |
| Total domestic deposits to total assets | 87.3074% | 2,592 |
| Equity capital to assets | 9.5614% | 4,966 |
| Core capital (leverage) ratio | 7.5884% | 6,573 |
| Tier 1 risk-based capital ratio | 25.4068% | 859 |
| Total risk-based capital ratio | 26.5851% | 855 |
| Memoranda: | ||
| Average total assets | $1,016,179,330 | 657 |
| Average earning assets | $856,304,670 | 703 |
| Average equity | $94,736,670 | 747 |
| Average total loans | $197,710,670 | 2,049 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 6,592 |
| Cost of funding earning assets | 0.1642% | 7,159 |
| Net interest margin | 3.4203% | 5,029 |
| Noninterest income to average assets | 20.3468% | 37 |
| Noninterest expense to average assets | 22.0634% | 30 |
| Loan and lease loss provision to assets | 0.2857% | 2,180 |
| Net operating income to assets | 0.8504% | 3,158 |
| Return on assets (ROA) | 0.8504% | 3,396 |
| Pretax return on assets | 0.8504% | 4,227 |
| Return on Equity (ROE) | 9.2413% | 2,714 |
| Retained earnings to average equity (ytd only) | 9.2413% | 1,502 |
| Net charge-offs to loans | 1.9503% | 491 |
| Credit loss provision to net charge-offs | 75.2083% | 2,815 |
| Earnings coverage of net charge-offs (x) | 2.9906% | 2,994 |
| Efficiency ratio | 95.1031% | 763 |
| Assets per employee ($millions) | 0.4087% | 7,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 2,984 |
| Loan loss allowance to noncurrent loans | 90.4178% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 5,996 |
| Noncurrent loans to loans | 1.9946% | 3,174 |
| Net loans and leases to total assets | 17.5013% | 7,172 |
| Net loans and leases to deposits | 19.8370% | 7,193 |
| Net loans and leases to core deposits | 20.5295% | 7,191 |
| Total domestic deposits to total assets | 88.2253% | 2,175 |
| Equity capital to assets | 8.7046% | 5,869 |
| Core capital (leverage) ratio | 7.1489% | 6,781 |
| Tier 1 risk-based capital ratio | 24.4082% | 959 |
| Total risk-based capital ratio | 25.5374% | 963 |
| Memoranda: | ||
| Average total assets | $1,010,869,500 | 660 |
| Average earning assets | $843,077,500 | 714 |
| Average equity | $93,017,000 | 754 |
| Average total loans | $196,896,000 | 2,061 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 6,526 |
| Cost of funding earning assets | 0.2173% | 7,220 |
| Net interest margin | 3.7436% | 4,108 |
| Noninterest income to average assets | 18.9314% | 34 |
| Noninterest expense to average assets | 20.1452% | 32 |
| Loan and lease loss provision to assets | 0.4028% | 2,584 |
| Net operating income to assets | 1.4836% | 859 |
| Return on assets (ROA) | 1.5103% | 875 |
| Pretax return on assets | 1.5103% | 1,440 |
| Return on Equity (ROE) | 17.6534% | 410 |
| Retained earnings to average equity (ytd only) | 9.5334% | 665 |
| Net charge-offs to loans | 2.0326% | 676 |
| Credit loss provision to net charge-offs | 94.3139% | 3,824 |
| Earnings coverage of net charge-offs (x) | 4.4171% | 3,121 |
| Efficiency ratio | 91.4378% | 1,082 |
| Assets per employee ($millions) | 0.3796% | 7,326 |
| Cash dividends to net income (ytd only)* | 45.9969% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8343% | 2,760 |
| Loan loss allowance to noncurrent loans | 95.6084% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 5,947 |
| Noncurrent loans to loans | 1.9185% | 3,319 |
| Net loans and leases to total assets | 20.9743% | 7,195 |
| Net loans and leases to deposits | 24.2774% | 7,204 |
| Net loans and leases to core deposits | 25.2878% | 7,204 |
| Total domestic deposits to total assets | 86.3944% | 3,081 |
| Equity capital to assets | 9.7688% | 4,482 |
| Core capital (leverage) ratio | 7.6901% | 6,540 |
| Tier 1 risk-based capital ratio | 24.2297% | 947 |
| Total risk-based capital ratio | 25.4631% | 935 |
| Memoranda: | ||
| Average total assets | $996,554,000 | 661 |
| Average earning assets | $825,280,200 | 717 |
| Average equity | $85,258,400 | 788 |
| Average total loans | $209,382,600 | 1,959 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 6,645 |
| Cost of funding earning assets | 0.2243% | 7,300 |
| Net interest margin | 3.7378% | 4,172 |
| Noninterest income to average assets | 18.5673% | 35 |
| Noninterest expense to average assets | 19.5460% | 35 |
| Loan and lease loss provision to assets | 0.3572% | 2,724 |
| Net operating income to assets | 1.7670% | 547 |
| Return on assets (ROA) | 1.7672% | 603 |
| Pretax return on assets | 1.7672% | 1,014 |
| Return on Equity (ROE) | 21.3653% | 244 |
| Retained earnings to average equity (ytd only) | 10.3122% | 764 |
| Net charge-offs to loans | 1.8294% | 725 |
| Credit loss provision to net charge-offs | 93.3080% | 3,651 |
| Earnings coverage of net charge-offs (x) | 5.5485% | 2,752 |
| Efficiency ratio | 90.1976% | 1,153 |
| Assets per employee ($millions) | 0.4385% | 7,401 |
| Cash dividends to net income (ytd only)* | 51.7337% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9223% | 2,553 |
| Loan loss allowance to noncurrent loans | 100.1335% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 6,158 |
| Noncurrent loans to loans | 1.9197% | 3,473 |
| Net loans and leases to total assets | 18.7779% | 7,297 |
| Net loans and leases to deposits | 21.2651% | 7,314 |
| Net loans and leases to core deposits | 22.3095% | 7,311 |
| Total domestic deposits to total assets | 88.3040% | 1,871 |
| Equity capital to assets | 8.7426% | 6,040 |
| Core capital (leverage) ratio | 7.4011% | 6,811 |
| Tier 1 risk-based capital ratio | 25.0523% | 908 |
| Total risk-based capital ratio | 26.3004% | 898 |
| Memoranda: | ||
| Average total assets | $1,009,606,500 | 660 |
| Average earning assets | $838,120,250 | 708 |
| Average equity | $83,510,250 | 807 |
| Average total loans | $211,285,500 | 1,961 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 6,685 |
| Cost of funding earning assets | 0.2366% | 7,374 |
| Net interest margin | 3.7490% | 4,036 |
| Noninterest income to average assets | 18.3569% | 38 |
| Noninterest expense to average assets | 19.3867% | 34 |
| Loan and lease loss provision to assets | 0.3191% | 2,876 |
| Net operating income to assets | 1.7272% | 567 |
| Return on assets (ROA) | 1.7276% | 611 |
| Pretax return on assets | 1.7276% | 995 |
| Return on Equity (ROE) | 21.2951% | 261 |
| Retained earnings to average equity (ytd only) | 15.1331% | 239 |
| Net charge-offs to loans | 1.5523% | 946 |
| Credit loss provision to net charge-offs | 95.4816% | 3,290 |
| Earnings coverage of net charge-offs (x) | 6.1231% | 2,462 |
| Efficiency ratio | 90.4526% | 1,210 |
| Assets per employee ($millions) | 0.4635% | 7,475 |
| Cash dividends to net income (ytd only)* | 28.9362% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 2,866 |
| Loan loss allowance to noncurrent loans | 101.6562% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 6,203 |
| Noncurrent loans to loans | 1.8072% | 3,744 |
| Net loans and leases to total assets | 20.1816% | 7,367 |
| Net loans and leases to deposits | 22.7664% | 7,386 |
| Net loans and leases to core deposits | 23.9838% | 7,378 |
| Total domestic deposits to total assets | 88.6463% | 1,750 |
| Equity capital to assets | 8.6081% | 6,049 |
| Core capital (leverage) ratio | 7.2182% | 6,909 |
| Tier 1 risk-based capital ratio | 23.3618% | 1,078 |
| Total risk-based capital ratio | 24.6122% | 1,059 |
| Memoranda: | ||
| Average total assets | $1,006,598,000 | 670 |
| Average earning assets | $825,926,670 | 732 |
| Average equity | $81,662,000 | 823 |
| Average total loans | $216,705,000 | 1,930 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 6,925 |
| Cost of funding earning assets | 0.2439% | 7,447 |
| Net interest margin | 3.5778% | 4,668 |
| Noninterest income to average assets | 18.1586% | 40 |
| Noninterest expense to average assets | 19.3121% | 38 |
| Loan and lease loss provision to assets | 0.2754% | 2,950 |
| Net operating income to assets | 1.5287% | 825 |
| Return on assets (ROA) | 1.5287% | 867 |
| Pretax return on assets | 1.5287% | 1,365 |
| Return on Equity (ROE) | 19.4525% | 366 |
| Retained earnings to average equity (ytd only) | 15.8721% | 330 |
| Net charge-offs to loans | 1.4412% | 943 |
| Credit loss provision to net charge-offs | 86.7424% | 3,001 |
| Earnings coverage of net charge-offs (x) | 5.6831% | 2,229 |
| Efficiency ratio | 91.4566% | 1,208 |
| Assets per employee ($millions) | 0.4829% | 7,534 |
| Cash dividends to net income (ytd only)* | 18.4059% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 2,817 |
| Loan loss allowance to noncurrent loans | 98.5113% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 6,284 |
| Noncurrent loans to loans | 1.8899% | 3,710 |
| Net loans and leases to total assets | 19.1997% | 7,436 |
| Net loans and leases to deposits | 21.4181% | 7,456 |
| Net loans and leases to core deposits | 22.3947% | 7,454 |
| Total domestic deposits to total assets | 89.6425% | 1,394 |
| Equity capital to assets | 7.6031% | 6,811 |
| Core capital (leverage) ratio | 7.0000% | 7,008 |
| Tier 1 risk-based capital ratio | 22.2213% | 1,190 |
| Total risk-based capital ratio | 23.4714% | 1,164 |
| Memoranda: | ||
| Average total assets | $997,985,000 | 673 |
| Average earning assets | $824,983,500 | 736 |
| Average equity | $78,427,000 | 855 |
| Average total loans | $219,812,000 | 1,929 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 6,861 |
| Cost of funding earning assets | 0.3600% | 7,463 |
| Net interest margin | 3.8884% | 3,545 |
| Noninterest income to average assets | 20.2638% | 39 |
| Noninterest expense to average assets | 20.5903% | 41 |
| Loan and lease loss provision to assets | 0.4689% | 3,322 |
| Net operating income to assets | 2.4318% | 124 |
| Return on assets (ROA) | 2.4320% | 132 |
| Pretax return on assets | 2.4320% | 204 |
| Return on Equity (ROE) | 30.3512% | 39 |
| Retained earnings to average equity (ytd only) | 10.6296% | 424 |
| Net charge-offs to loans | 1.6266% | 1,331 |
| Credit loss provision to net charge-offs | 98.7568% | 4,683 |
| Earnings coverage of net charge-offs (x) | 6.1092% | 2,437 |
| Efficiency ratio | 87.6520% | 1,507 |
| Assets per employee ($millions) | 0.4334% | 7,618 |
| Cash dividends to net income (ytd only)* | 64.9779% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 3,261 |
| Loan loss allowance to noncurrent loans | 99.3700% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 6,218 |
| Noncurrent loans to loans | 1.6995% | 3,960 |
| Net loans and leases to total assets | 24.3600% | 7,465 |
| Net loans and leases to deposits | 27.4830% | 7,493 |
| Net loans and leases to core deposits | 29.3456% | 7,480 |
| Total domestic deposits to total assets | 88.6365% | 1,870 |
| Equity capital to assets | 8.1442% | 6,327 |
| Core capital (leverage) ratio | 6.9999% | 7,031 |
| Tier 1 risk-based capital ratio | 19.8041% | 1,524 |
| Total risk-based capital ratio | 21.0135% | 1,505 |
| Memoranda: | ||
| Average total assets | $931,754,200 | 725 |
| Average earning assets | $773,292,600 | 789 |
| Average equity | $74,659,400 | 883 |
| Average total loans | $271,976,000 | 1,641 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 6,955 |
| Cost of funding earning assets | 0.3830% | 7,583 |
| Net interest margin | 3.9318% | 3,396 |
| Noninterest income to average assets | 20.3943% | 38 |
| Noninterest expense to average assets | 20.6853% | 39 |
| Loan and lease loss provision to assets | 0.4430% | 3,259 |
| Net operating income to assets | 2.5176% | 132 |
| Return on assets (ROA) | 2.5187% | 139 |
| Pretax return on assets | 2.5187% | 221 |
| Return on Equity (ROE) | 31.5648% | 41 |
| Retained earnings to average equity (ytd only) | 11.0042% | 606 |
| Net charge-offs to loans | 1.4933% | 1,345 |
| Credit loss provision to net charge-offs | 97.8757% | 4,441 |
| Earnings coverage of net charge-offs (x) | 6.5412% | 2,500 |
| Efficiency ratio | 87.4797% | 1,496 |
| Assets per employee ($millions) | 0.4514% | 7,722 |
| Cash dividends to net income (ytd only)* | 65.1379% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 3,870 |
| Loan loss allowance to noncurrent loans | 98.6945% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 6,391 |
| Noncurrent loans to loans | 1.5403% | 4,328 |
| Net loans and leases to total assets | 26.1928% | 7,538 |
| Net loans and leases to deposits | 29.4509% | 7,566 |
| Net loans and leases to core deposits | 31.0825% | 7,565 |
| Total domestic deposits to total assets | 88.9371% | 1,421 |
| Equity capital to assets | 8.1708% | 6,644 |
| Core capital (leverage) ratio | 6.9000% | 7,211 |
| Tier 1 risk-based capital ratio | 17.5900% | 2,143 |
| Total risk-based capital ratio | 18.6918% | 2,154 |
| Memoranda: | ||
| Average total assets | $929,131,500 | 725 |
| Average earning assets | $768,389,750 | 795 |
| Average equity | $74,139,750 | 892 |
| Average total loans | $281,601,500 | 1,607 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 6,983 |
| Cost of funding earning assets | 0.4081% | 7,650 |
| Net interest margin | 3.9307% | 3,318 |
| Noninterest income to average assets | 20.4600% | 40 |
| Noninterest expense to average assets | 20.9364% | 40 |
| Loan and lease loss provision to assets | 0.4526% | 3,059 |
| Net operating income to assets | 2.3477% | 181 |
| Return on assets (ROA) | 2.3494% | 193 |
| Pretax return on assets | 2.3494% | 307 |
| Return on Equity (ROE) | 29.6959% | 59 |
| Retained earnings to average equity (ytd only) | 16.2297% | 186 |
| Net charge-offs to loans | 1.3904% | 1,372 |
| Credit loss provision to net charge-offs | 102.9339% | 3,958 |
| Earnings coverage of net charge-offs (x) | 6.3690% | 2,469 |
| Efficiency ratio | 88.2028% | 1,491 |
| Assets per employee ($millions) | 0.4431% | 7,791 |
| Cash dividends to net income (ytd only)* | 45.3471% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 4,248 |
| Loan loss allowance to noncurrent loans | 95.6163% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 6,252 |
| Noncurrent loans to loans | 1.5037% | 4,452 |
| Net loans and leases to total assets | 29.8196% | 7,543 |
| Net loans and leases to deposits | 33.6850% | 7,584 |
| Net loans and leases to core deposits | 35.2536% | 7,578 |
| Total domestic deposits to total assets | 88.5247% | 1,709 |
| Equity capital to assets | 8.5164% | 6,144 |
| Core capital (leverage) ratio | 6.8987% | 7,241 |
| Tier 1 risk-based capital ratio | 18.1488% | 1,920 |
| Total risk-based capital ratio | 19.3266% | 1,909 |
| Memoranda: | ||
| Average total assets | $914,770,670 | 731 |
| Average earning assets | $762,559,000 | 804 |
| Average equity | $72,373,670 | 913 |
| Average total loans | $289,275,000 | 1,585 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 7,242 |
| Cost of funding earning assets | 0.4258% | 7,755 |
| Net interest margin | 3.7887% | 3,841 |
| Noninterest income to average assets | 19.8151% | 41 |
| Noninterest expense to average assets | 20.6647% | 41 |
| Loan and lease loss provision to assets | 0.3224% | 3,482 |
| Net operating income to assets | 1.9871% | 353 |
| Return on assets (ROA) | 1.9871% | 388 |
| Pretax return on assets | 1.9871% | 621 |
| Return on Equity (ROE) | 26.1451% | 132 |
| Retained earnings to average equity (ytd only) | 25.8488% | 95 |
| Net charge-offs to loans | 1.5996% | 1,091 |
| Credit loss provision to net charge-offs | 62.3399% | 4,255 |
| Earnings coverage of net charge-offs (x) | 4.4663% | 2,619 |
| Efficiency ratio | 89.9475% | 1,443 |
| Assets per employee ($millions) | 0.4515% | 7,895 |
| Cash dividends to net income (ytd only)* | 1.1333% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 4,853 |
| Loan loss allowance to noncurrent loans | 83.2631% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 6,283 |
| Noncurrent loans to loans | 1.5784% | 4,376 |
| Net loans and leases to total assets | 28.3763% | 7,663 |
| Net loans and leases to deposits | 31.7735% | 7,700 |
| Net loans and leases to core deposits | 33.3353% | 7,696 |
| Total domestic deposits to total assets | 89.3080% | 1,361 |
| Equity capital to assets | 7.5938% | 6,997 |
| Core capital (leverage) ratio | 6.8542% | 7,325 |
| Tier 1 risk-based capital ratio | 17.4486% | 2,094 |
| Total risk-based capital ratio | 18.4647% | 2,144 |
| Memoranda: | ||
| Average total assets | $905,833,000 | 759 |
| Average earning assets | $755,291,000 | 835 |
| Average equity | $68,846,500 | 972 |
| Average total loans | $292,828,500 | 1,608 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 7,148 |
| Cost of funding earning assets | 0.7019% | 7,683 |
| Net interest margin | 3.9910% | 2,898 |
| Noninterest income to average assets | 21.3456% | 41 |
| Noninterest expense to average assets | 22.0988% | 44 |
| Loan and lease loss provision to assets | 0.3718% | 4,553 |
| Net operating income to assets | 2.1471% | 167 |
| Return on assets (ROA) | 2.1564% | 177 |
| Pretax return on assets | 2.1564% | 307 |
| Return on Equity (ROE) | 27.2159% | 70 |
| Retained earnings to average equity (ytd only) | 6.1814% | 1,281 |
| Net charge-offs to loans | 1.0326% | 2,349 |
| Credit loss provision to net charge-offs | 96.5302% | 5,754 |
| Earnings coverage of net charge-offs (x) | 6.5402% | 2,344 |
| Efficiency ratio | 89.7680% | 1,719 |
| Assets per employee ($millions) | 0.4145% | 7,978 |
| Cash dividends to net income (ytd only)* | 77.2877% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 4,943 |
| Loan loss allowance to noncurrent loans | 88.4905% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 6,127 |
| Noncurrent loans to loans | 1.4343% | 4,522 |
| Net loans and leases to total assets | 35.7316% | 7,532 |
| Net loans and leases to deposits | 40.2560% | 7,622 |
| Net loans and leases to core deposits | 44.8025% | 7,689 |
| Total domestic deposits to total assets | 88.7608% | 1,593 |
| Equity capital to assets | 7.6074% | 6,940 |
| Core capital (leverage) ratio | 6.9425% | 7,285 |
| Tier 1 risk-based capital ratio | 16.1086% | 2,471 |
| Total risk-based capital ratio | 17.2461% | 2,458 |
| Memoranda: | ||
| Average total assets | $830,605,200 | 821 |
| Average earning assets | $680,977,400 | 909 |
| Average equity | $65,810,800 | 1,003 |
| Average total loans | $309,789,800 | 1,546 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 7,151 |
| Cost of funding earning assets | 0.7645% | 7,745 |
| Net interest margin | 4.0203% | 2,722 |
| Noninterest income to average assets | 21.6439% | 42 |
| Noninterest expense to average assets | 22.2830% | 46 |
| Loan and lease loss provision to assets | 0.2829% | 4,715 |
| Net operating income to assets | 2.3478% | 137 |
| Return on assets (ROA) | 2.3593% | 147 |
| Pretax return on assets | 2.3593% | 255 |
| Return on Equity (ROE) | 29.4660% | 64 |
| Retained earnings to average equity (ytd only) | 4.9184% | 2,544 |
| Net charge-offs to loans | 0.9275% | 2,113 |
| Credit loss provision to net charge-offs | 81.1277% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.5452% | 2,388 |
| Efficiency ratio | 89.4409% | 1,738 |
| Assets per employee ($millions) | 0.3968% | 8,061 |
| Cash dividends to net income (ytd only)* | 83.3081% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,146 |
| Loan loss allowance to noncurrent loans | 1,202.5974% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 7,406 |
| Noncurrent loans to loans | 0.0994% | 7,232 |
| Net loans and leases to total assets | 37.1312% | 7,584 |
| Net loans and leases to deposits | 42.2188% | 7,667 |
| Net loans and leases to core deposits | 46.6337% | 7,758 |
| Total domestic deposits to total assets | 87.9494% | 1,679 |
| Equity capital to assets | 8.2020% | 6,638 |
| Core capital (leverage) ratio | 6.9405% | 7,467 |
| Tier 1 risk-based capital ratio | 15.2064% | 2,948 |
| Total risk-based capital ratio | 16.2306% | 2,989 |
| Memoranda: | ||
| Average total assets | $820,663,250 | 838 |
| Average earning assets | $667,454,500 | 938 |
| Average equity | $65,710,250 | 1,021 |
| Average total loans | $308,488,250 | 1,575 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 7,207 |
| Cost of funding earning assets | 0.8172% | 7,798 |
| Net interest margin | 3.9944% | 2,719 |
| Noninterest income to average assets | 21.3247% | 42 |
| Noninterest expense to average assets | 22.2321% | 53 |
| Loan and lease loss provision to assets | 0.1597% | 5,466 |
| Net operating income to assets | 2.1764% | 206 |
| Return on assets (ROA) | 2.1923% | 218 |
| Pretax return on assets | 2.1923% | 366 |
| Return on Equity (ROE) | 27.6050% | 96 |
| Retained earnings to average equity (ytd only) | 10.2274% | 682 |
| Net charge-offs to loans | 0.8065% | 2,069 |
| Credit loss provision to net charge-offs | 52.6570% | 5,723 |
| Earnings coverage of net charge-offs (x) | 7.7045% | 2,404 |
| Efficiency ratio | 90.4916% | 1,766 |
| Assets per employee ($millions) | 0.3889% | 8,158 |
| Cash dividends to net income (ytd only)* | 62.9510% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 5,284 |
| Loan loss allowance to noncurrent loans | 1,060.5422% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 7,432 |
| Noncurrent loans to loans | 0.1082% | 7,251 |
| Net loans and leases to total assets | 37.3125% | 7,664 |
| Net loans and leases to deposits | 42.2438% | 7,750 |
| Net loans and leases to core deposits | 45.4549% | 7,846 |
| Total domestic deposits to total assets | 88.3265% | 1,611 |
| Equity capital to assets | 8.0963% | 6,633 |
| Core capital (leverage) ratio | 6.9001% | 7,600 |
| Tier 1 risk-based capital ratio | 15.2628% | 2,900 |
| Total risk-based capital ratio | 16.2245% | 2,970 |
| Memoranda: | ||
| Average total assets | $819,248,330 | 856 |
| Average earning assets | $665,238,670 | 959 |
| Average equity | $65,060,670 | 1,042 |
| Average total loans | $307,983,670 | 1,606 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 7,134 |
| Cost of funding earning assets | 0.8406% | 7,875 |
| Net interest margin | 4.0748% | 2,384 |
| Noninterest income to average assets | 20.4067% | 42 |
| Noninterest expense to average assets | 22.0378% | 52 |
| Loan and lease loss provision to assets | -0.0214% | 8,182 |
| Net operating income to assets | 1.6812% | 672 |
| Return on assets (ROA) | 1.6899% | 726 |
| Pretax return on assets | 1.6899% | 1,199 |
| Return on Equity (ROE) | 21.4868% | 330 |
| Retained earnings to average equity (ytd only) | 17.9747% | 232 |
| Net charge-offs to loans | 0.8270% | 1,568 |
| Credit loss provision to net charge-offs | -6.8966% | 6,135 |
| Earnings coverage of net charge-offs (x) | 5.3495% | 2,688 |
| Efficiency ratio | 92.9960% | 1,499 |
| Assets per employee ($millions) | 0.4002% | 8,210 |
| Cash dividends to net income (ytd only)* | 16.3453% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 5,510 |
| Loan loss allowance to noncurrent loans | 787.8161% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 7,445 |
| Noncurrent loans to loans | 0.1390% | 7,125 |
| Net loans and leases to total assets | 36.4840% | 7,714 |
| Net loans and leases to deposits | 41.0506% | 7,810 |
| Net loans and leases to core deposits | 44.1611% | 7,900 |
| Total domestic deposits to total assets | 88.8755% | 1,290 |
| Equity capital to assets | 7.8861% | 6,967 |
| Core capital (leverage) ratio | 6.9721% | 7,650 |
| Tier 1 risk-based capital ratio | 15.2461% | 2,955 |
| Total risk-based capital ratio | 16.1882% | 3,029 |
| Memoranda: | ||
| Average total assets | $822,512,500 | 857 |
| Average earning assets | $664,274,500 | 959 |
| Average equity | $64,691,000 | 1,055 |
| Average total loans | $308,592,000 | 1,618 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6859% | 6,821 |
| Cost of funding earning assets | 1.3928% | 7,745 |
| Net interest margin | 4.2931% | 2,002 |
| Noninterest income to average assets | 20.5509% | 46 |
| Noninterest expense to average assets | 21.4894% | 50 |
| Loan and lease loss provision to assets | 0.3657% | 3,495 |
| Net operating income to assets | 2.1547% | 259 |
| Return on assets (ROA) | 2.1806% | 246 |
| Pretax return on assets | 2.1806% | 417 |
| Return on Equity (ROE) | 30.4952% | 53 |
| Retained earnings to average equity (ytd only) | 5.4619% | 1,780 |
| Net charge-offs to loans | 0.8401% | 1,495 |
| Credit loss provision to net charge-offs | 114.7791% | 4,705 |
| Earnings coverage of net charge-offs (x) | 7.9100% | 2,996 |
| Efficiency ratio | 89.5024% | 1,555 |
| Assets per employee ($millions) | 0.3734% | 8,262 |
| Cash dividends to net income (ytd only)* | 82.0892% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 3,476 |
| Loan loss allowance to noncurrent loans | 1,383.5017% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 7,440 |
| Noncurrent loans to loans | 0.0976% | 7,123 |
| Net loans and leases to total assets | 37.6738% | 7,768 |
| Net loans and leases to deposits | 42.9593% | 7,878 |
| Net loans and leases to core deposits | 46.6219% | 7,953 |
| Total domestic deposits to total assets | 87.6966% | 1,610 |
| Equity capital to assets | 7.8427% | 7,053 |
| Core capital (leverage) ratio | 6.9000% | 7,759 |
| Tier 1 risk-based capital ratio | 14.2271% | 3,433 |
| Total risk-based capital ratio | 15.3398% | 3,414 |
| Memoranda: | ||
| Average total assets | $781,445,000 | 869 |
| Average earning assets | $629,613,400 | 962 |
| Average equity | $55,877,600 | 1,203 |
| Average total loans | $296,382,200 | 1,628 |