Home > First State Bank of Uvalde > Performance and Condition Ratios
First State Bank of Uvalde, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1251% | 3,759 |
| Cost of funding earning assets | 1.6466% | 1,583 |
| Net interest margin | 2.4785% | 4,112 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.0204% | 4,499 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.2630% | 1,512 |
| Return on assets (ROA) | 1.2663% | 1,476 |
| Pretax return on assets | 1.5923% | 1,248 |
| Return on Equity (ROE) | 20.4900% | 571 |
| Retained earnings to average equity (ytd only) | 18.9513% | 153 |
| Net charge-offs to loans | 0.0323% | 1,650 |
| Credit loss provision to net charge-offs | 588.2353% | 599 |
| Earnings coverage of net charge-offs (x) | 153.6373% | 700 |
| Efficiency ratio | 38.1900% | 4,395 |
| Assets per employee ($millions) | 15.8692% | 178 |
| Cash dividends to net income (ytd only)* | 7.4897% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 690 |
| Loan loss allowance to noncurrent loans | 92.7547% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 863 |
| Noncurrent loans to loans | 1.8155% | 329 |
| Net loans and leases to total assets | 34.2100% | 4,206 |
| Net loans and leases to deposits | 37.1330% | 4,254 |
| Net loans and leases to core deposits | 60.9632% | 3,733 |
| Total domestic deposits to total assets | 92.1400% | 286 |
| Equity capital to assets | 7.3157% | 3,811 |
| Core capital (leverage) ratio | 12.0517% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0177% | 288 |
| Memoranda: | ||
| Average total assets | $1,897,837,600 | 598 |
| Average earning assets | $1,822,011,800 | 567 |
| Average equity | $117,316,400 | 845 |
| Average total loans | $632,473,200 | 1,054 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 3,760 |
| Cost of funding earning assets | 1.4985% | 1,611 |
| Net interest margin | 2.5510% | 4,085 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.0283% | 4,519 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3219% | 1,494 |
| Return on assets (ROA) | 1.3248% | 1,465 |
| Pretax return on assets | 1.6642% | 1,231 |
| Return on Equity (ROE) | 22.4800% | 527 |
| Retained earnings to average equity (ytd only) | 22.4777% | 180 |
| Net charge-offs to loans | 0.0374% | 1,359 |
| Credit loss provision to net charge-offs | 514.2857% | 617 |
| Earnings coverage of net charge-offs (x) | 139.8171% | 770 |
| Efficiency ratio | 37.3611% | 4,419 |
| Assets per employee ($millions) | 15.0586% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 750 |
| Loan loss allowance to noncurrent loans | 94.4039% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 935 |
| Noncurrent loans to loans | 1.7717% | 371 |
| Net loans and leases to total assets | 34.5800% | 4,229 |
| Net loans and leases to deposits | 36.7070% | 4,278 |
| Net loans and leases to core deposits | 61.8187% | 3,620 |
| Total domestic deposits to total assets | 94.1900% | 173 |
| Equity capital to assets | 5.4057% | 4,167 |
| Core capital (leverage) ratio | 11.8538% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8750% | 298 |
| Memoranda: | ||
| Average total assets | $1,892,255,000 | 604 |
| Average earning assets | $1,817,729,750 | 572 |
| Average equity | $111,527,250 | 873 |
| Average total loans | $623,533,000 | 1,061 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 3,787 |
| Cost of funding earning assets | 1.3790% | 1,507 |
| Net interest margin | 2.5706% | 4,141 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.0102% | 4,550 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3598% | 1,422 |
| Return on assets (ROA) | 1.3628% | 1,398 |
| Pretax return on assets | 1.7144% | 1,179 |
| Return on Equity (ROE) | 22.5100% | 511 |
| Retained earnings to average equity (ytd only) | 22.5124% | 171 |
| Net charge-offs to loans | 0.0447% | 1,060 |
| Credit loss provision to net charge-offs | 437.9562% | 700 |
| Earnings coverage of net charge-offs (x) | 123.0292% | 831 |
| Efficiency ratio | 36.2880% | 4,469 |
| Assets per employee ($millions) | 14.7509% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6969% | 756 |
| Loan loss allowance to noncurrent loans | 103.0271% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 962 |
| Noncurrent loans to loans | 1.6470% | 386 |
| Net loans and leases to total assets | 33.6800% | 4,245 |
| Net loans and leases to deposits | 36.1883% | 4,292 |
| Net loans and leases to core deposits | 69.3319% | 3,167 |
| Total domestic deposits to total assets | 93.0800% | 243 |
| Equity capital to assets | 6.4150% | 4,028 |
| Core capital (leverage) ratio | 11.4498% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4030% | 305 |
| Memoranda: | ||
| Average total assets | $1,900,585,667 | 586 |
| Average earning assets | $1,827,267,333 | 556 |
| Average equity | $115,056,667 | 844 |
| Average total loans | $612,511,667 | 1,064 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 3,899 |
| Cost of funding earning assets | 1.2494% | 1,342 |
| Net interest margin | 2.5288% | 4,277 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.0082% | 4,622 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.3292% | 1,591 |
| Return on assets (ROA) | 1.3325% | 1,556 |
| Pretax return on assets | 1.6703% | 1,340 |
| Return on Equity (ROE) | 22.6600% | 535 |
| Retained earnings to average equity (ytd only) | 22.6580% | 263 |
| Net charge-offs to loans | 0.0252% | 1,184 |
| Credit loss provision to net charge-offs | 789.4737% | 420 |
| Earnings coverage of net charge-offs (x) | 219.3421% | 478 |
| Efficiency ratio | 36.8417% | 4,517 |
| Assets per employee ($millions) | 15.5118% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 801 |
| Loan loss allowance to noncurrent loans | 95.5751% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 918 |
| Noncurrent loans to loans | 1.7854% | 349 |
| Net loans and leases to total assets | 31.0000% | 4,350 |
| Net loans and leases to deposits | 33.1585% | 4,390 |
| Net loans and leases to core deposits | 62.8680% | 3,395 |
| Total domestic deposits to total assets | 93.5000% | 233 |
| Equity capital to assets | 6.1726% | 4,144 |
| Core capital (leverage) ratio | 11.0848% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7093% | 321 |
| Memoranda: | ||
| Average total assets | $1,928,948,000 | 589 |
| Average earning assets | $1,858,757,500 | 563 |
| Average equity | $113,443,500 | 861 |
| Average total loans | $602,863,000 | 1,087 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7112% | 4,399 |
| Cost of funding earning assets | 0.3865% | 2,204 |
| Net interest margin | 2.3247% | 4,409 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 0.9392% | 4,652 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2322% | 1,653 |
| Return on assets (ROA) | 1.1445% | 1,935 |
| Pretax return on assets | 1.4210% | 1,709 |
| Return on Equity (ROE) | 16.6000% | 942 |
| Retained earnings to average equity (ytd only) | 15.2814% | 269 |
| Net charge-offs to loans | 0.0155% | 1,813 |
| Credit loss provision to net charge-offs | 1,265.0602% | 363 |
| Earnings coverage of net charge-offs (x) | 376.6988% | 411 |
| Efficiency ratio | 37.2459% | 4,592 |
| Assets per employee ($millions) | 15.2273% | 198 |
| Cash dividends to net income (ytd only)* | 7.9604% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 1,536 |
| Loan loss allowance to noncurrent loans | 76.5173% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 896 |
| Noncurrent loans to loans | 1.8146% | 327 |
| Net loans and leases to total assets | 30.5300% | 4,381 |
| Net loans and leases to deposits | 32.4491% | 4,426 |
| Net loans and leases to core deposits | 61.3261% | 3,431 |
| Total domestic deposits to total assets | 94.0800% | 233 |
| Equity capital to assets | 5.5818% | 4,216 |
| Core capital (leverage) ratio | 10.7934% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4974% | 319 |
| Memoranda: | ||
| Average total assets | $1,975,783,200 | 558 |
| Average earning assets | $1,906,461,000 | 524 |
| Average equity | $136,192,000 | 723 |
| Average total loans | $537,145,200 | 1,117 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4893% | 4,451 |
| Cost of funding earning assets | 0.2429% | 2,782 |
| Net interest margin | 2.2464% | 4,441 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 0.9422% | 4,688 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1661% | 1,833 |
| Return on assets (ROA) | 1.1802% | 1,743 |
| Pretax return on assets | 1.4552% | 1,537 |
| Return on Equity (ROE) | 16.3800% | 910 |
| Retained earnings to average equity (ytd only) | 16.3778% | 252 |
| Net charge-offs to loans | 0.0160% | 1,537 |
| Credit loss provision to net charge-offs | 1,666.6667% | 284 |
| Earnings coverage of net charge-offs (x) | 357.9524% | 420 |
| Efficiency ratio | 38.4542% | 4,607 |
| Assets per employee ($millions) | 14.9357% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,524 |
| Loan loss allowance to noncurrent loans | 678.9735% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,243 |
| Noncurrent loans to loans | 0.2100% | 2,553 |
| Net loans and leases to total assets | 30.3700% | 4,410 |
| Net loans and leases to deposits | 32.0475% | 4,466 |
| Net loans and leases to core deposits | 58.6764% | 3,465 |
| Total domestic deposits to total assets | 94.7600% | 251 |
| Equity capital to assets | 5.0292% | 4,288 |
| Core capital (leverage) ratio | 10.7425% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8613% | 350 |
| Memoranda: | ||
| Average total assets | $1,993,876,000 | 551 |
| Average earning assets | $1,924,848,000 | 524 |
| Average equity | $143,678,750 | 709 |
| Average total loans | $524,111,750 | 1,136 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2895% | 4,529 |
| Cost of funding earning assets | 0.1508% | 3,562 |
| Net interest margin | 2.1387% | 4,492 |
| Noninterest income to average assets | 0.2583% | 3,626 |
| Noninterest expense to average assets | 0.9089% | 4,711 |
| Loan and lease loss provision to assets | 0.0589% | 1,534 |
| Net operating income to assets | 1.1055% | 1,756 |
| Return on assets (ROA) | 1.1092% | 1,716 |
| Pretax return on assets | 1.3661% | 1,532 |
| Return on Equity (ROE) | 14.0921% | 1,095 |
| Retained earnings to average equity (ytd only) | 14.0921% | 352 |
| Net charge-offs to loans | 0.0079% | 1,703 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 723.0500% | 196 |
| Efficiency ratio | 39.0191% | 4,637 |
| Assets per employee ($millions) | 16.2663% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 1,674 |
| Loan loss allowance to noncurrent loans | 763.4672% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 3,255 |
| Noncurrent loans to loans | 0.1859% | 2,776 |
| Net loans and leases to total assets | 26.8461% | 4,543 |
| Net loans and leases to deposits | 28.7186% | 4,577 |
| Net loans and leases to core deposits | 55.1732% | 3,635 |
| Total domestic deposits to total assets | 93.4798% | 395 |
| Equity capital to assets | 6.3647% | 4,076 |
| Core capital (leverage) ratio | 9.9827% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0664% | 362 |
| Memoranda: | ||
| Average total assets | $2,036,182,333 | 540 |
| Average earning assets | $1,971,660,667 | 514 |
| Average equity | $160,274,000 | 661 |
| Average total loans | $507,095,667 | 1,158 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1277% | 4,568 |
| Cost of funding earning assets | 0.1306% | 3,766 |
| Net interest margin | 1.9971% | 4,518 |
| Noninterest income to average assets | 0.2399% | 3,709 |
| Noninterest expense to average assets | 0.9027% | 4,741 |
| Loan and lease loss provision to assets | 0.0587% | 1,349 |
| Net operating income to assets | 0.9991% | 1,887 |
| Return on assets (ROA) | 0.9999% | 1,880 |
| Pretax return on assets | 1.2203% | 1,735 |
| Return on Equity (ROE) | 11.6081% | 1,422 |
| Retained earnings to average equity (ytd only) | 11.6081% | 655 |
| Net charge-offs to loans | 0.0025% | 1,718 |
| Credit loss provision to net charge-offs | 10,000.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 2,178.6667% | 25 |
| Efficiency ratio | 41.3969% | 4,617 |
| Assets per employee ($millions) | 15.8183% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,566 |
| Loan loss allowance to noncurrent loans | 772.0452% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 3,565 |
| Noncurrent loans to loans | 0.1935% | 2,850 |
| Net loans and leases to total assets | 24.0891% | 4,613 |
| Net loans and leases to deposits | 26.0790% | 4,639 |
| Net loans and leases to core deposits | 46.0469% | 4,068 |
| Total domestic deposits to total assets | 92.3696% | 444 |
| Equity capital to assets | 7.4293% | 3,976 |
| Core capital (leverage) ratio | 9.7155% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3984% | 363 |
| Memoranda: | ||
| Average total assets | $2,045,761,000 | 540 |
| Average earning assets | $1,988,075,500 | 515 |
| Average equity | $176,222,000 | 616 |
| Average total loans | $486,000,000 | 1,185 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9033% | 4,695 |
| Cost of funding earning assets | 0.1791% | 3,667 |
| Net interest margin | 1.7242% | 4,685 |
| Noninterest income to average assets | 0.2398% | 3,944 |
| Noninterest expense to average assets | 0.7050% | 4,799 |
| Loan and lease loss provision to assets | 0.0557% | 1,937 |
| Net operating income to assets | 0.9454% | 2,885 |
| Return on assets (ROA) | 0.9524% | 2,933 |
| Pretax return on assets | 1.1728% | 2,753 |
| Return on Equity (ROE) | 9.3964% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.4979% | 1,341 |
| Net charge-offs to loans | 0.0111% | 2,147 |
| Credit loss provision to net charge-offs | 2,115.3846% | 298 |
| Earnings coverage of net charge-offs (x) | 463.6538% | 292 |
| Efficiency ratio | 36.6277% | 4,744 |
| Assets per employee ($millions) | 16.0215% | 174 |
| Cash dividends to net income (ytd only)* | 9.5623% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,435 |
| Loan loss allowance to noncurrent loans | 508.0986% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,472 |
| Noncurrent loans to loans | 0.3027% | 2,507 |
| Net loans and leases to total assets | 22.7012% | 4,678 |
| Net loans and leases to deposits | 25.2493% | 4,698 |
| Net loans and leases to core deposits | 42.8925% | 4,307 |
| Total domestic deposits to total assets | 89.9084% | 1,001 |
| Equity capital to assets | 9.7960% | 2,854 |
| Core capital (leverage) ratio | 9.7175% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7014% | 288 |
| Memoranda: | ||
| Average total assets | $1,976,504,400 | 538 |
| Average earning assets | $1,931,687,000 | 513 |
| Average equity | $200,331,400 | 546 |
| Average total loans | $467,406,200 | 1,225 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8757% | 4,788 |
| Cost of funding earning assets | 0.1921% | 3,699 |
| Net interest margin | 1.6836% | 4,773 |
| Noninterest income to average assets | 0.2395% | 3,969 |
| Noninterest expense to average assets | 0.8353% | 4,863 |
| Loan and lease loss provision to assets | 0.0612% | 1,769 |
| Net operating income to assets | 0.8099% | 3,506 |
| Return on assets (ROA) | 0.8175% | 3,554 |
| Pretax return on assets | 0.9976% | 3,464 |
| Return on Equity (ROE) | 7.9958% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.9958% | 2,056 |
| Net charge-offs to loans | 0.0148% | 1,790 |
| Credit loss provision to net charge-offs | 1,730.7692% | 363 |
| Earnings coverage of net charge-offs (x) | 297.0192% | 443 |
| Efficiency ratio | 44.3142% | 4,574 |
| Assets per employee ($millions) | 15.4758% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,691 |
| Loan loss allowance to noncurrent loans | 449.3914% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 3,590 |
| Noncurrent loans to loans | 0.3307% | 2,598 |
| Net loans and leases to total assets | 22.9386% | 4,760 |
| Net loans and leases to deposits | 25.5538% | 4,774 |
| Net loans and leases to core deposits | 46.2135% | 4,311 |
| Total domestic deposits to total assets | 89.7662% | 881 |
| Equity capital to assets | 9.9333% | 2,966 |
| Core capital (leverage) ratio | 9.5427% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5833% | 319 |
| Memoranda: | ||
| Average total assets | $1,961,947,500 | 546 |
| Average earning assets | $1,917,468,750 | 516 |
| Average equity | $200,583,500 | 545 |
| Average total loans | $466,976,750 | 1,248 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8815% | 4,826 |
| Cost of funding earning assets | 0.2009% | 3,738 |
| Net interest margin | 1.6806% | 4,811 |
| Noninterest income to average assets | 0.2375% | 3,983 |
| Noninterest expense to average assets | 0.8413% | 4,898 |
| Loan and lease loss provision to assets | 0.0619% | 1,805 |
| Net operating income to assets | 0.7997% | 3,515 |
| Return on assets (ROA) | 0.8091% | 3,555 |
| Pretax return on assets | 0.9868% | 3,473 |
| Return on Equity (ROE) | 7.8366% | 3,446 |
| Retained earnings to average equity (ytd only) | 7.8366% | 2,136 |
| Net charge-offs to loans | 0.0236% | 1,478 |
| Credit loss provision to net charge-offs | 1,090.9091% | 449 |
| Earnings coverage of net charge-offs (x) | 182.9455% | 525 |
| Efficiency ratio | 44.7841% | 4,578 |
| Assets per employee ($millions) | 14.6041% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 1,957 |
| Loan loss allowance to noncurrent loans | 403.6079% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 3,645 |
| Noncurrent loans to loans | 0.3483% | 2,661 |
| Net loans and leases to total assets | 23.8756% | 4,784 |
| Net loans and leases to deposits | 26.6911% | 4,798 |
| Net loans and leases to core deposits | 50.8605% | 4,192 |
| Total domestic deposits to total assets | 89.4515% | 1,055 |
| Equity capital to assets | 10.1963% | 2,678 |
| Core capital (leverage) ratio | 9.6306% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9310% | 340 |
| Memoranda: | ||
| Average total assets | $1,940,153,333 | 545 |
| Average earning assets | $1,894,448,333 | 517 |
| Average equity | $200,317,667 | 538 |
| Average total loans | $465,283,333 | 1,256 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8554% | 4,867 |
| Cost of funding earning assets | 0.2106% | 3,821 |
| Net interest margin | 1.6448% | 4,855 |
| Noninterest income to average assets | 0.2185% | 4,083 |
| Noninterest expense to average assets | 0.8430% | 4,933 |
| Loan and lease loss provision to assets | 0.0624% | 1,884 |
| Net operating income to assets | 0.7582% | 3,550 |
| Return on assets (ROA) | 0.7767% | 3,564 |
| Pretax return on assets | 0.9416% | 3,512 |
| Return on Equity (ROE) | 7.4754% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.4754% | 2,422 |
| Net charge-offs to loans | 0.0436% | 1,036 |
| Credit loss provision to net charge-offs | 600.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 94.4200% | 637 |
| Efficiency ratio | 46.2117% | 4,458 |
| Assets per employee ($millions) | 14.7512% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 2,008 |
| Loan loss allowance to noncurrent loans | 495.5212% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,878 |
| Noncurrent loans to loans | 0.2803% | 3,094 |
| Net loans and leases to total assets | 23.2175% | 4,819 |
| Net loans and leases to deposits | 25.8970% | 4,839 |
| Net loans and leases to core deposits | 48.6889% | 4,348 |
| Total domestic deposits to total assets | 89.6534% | 993 |
| Equity capital to assets | 9.9925% | 2,716 |
| Core capital (leverage) ratio | 9.5854% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5851% | 305 |
| Memoranda: | ||
| Average total assets | $1,924,454,000 | 547 |
| Average earning assets | $1,878,880,000 | 515 |
| Average equity | $199,963,500 | 528 |
| Average total loans | $459,209,000 | 1,266 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3134% | 4,877 |
| Cost of funding earning assets | 0.4380% | 3,361 |
| Net interest margin | 1.8754% | 4,866 |
| Noninterest income to average assets | 0.2339% | 4,098 |
| Noninterest expense to average assets | 0.9036% | 4,947 |
| Loan and lease loss provision to assets | 0.0813% | 3,359 |
| Net operating income to assets | 0.8874% | 2,752 |
| Return on assets (ROA) | 0.9099% | 2,785 |
| Pretax return on assets | 1.1060% | 2,667 |
| Return on Equity (ROE) | 8.5133% | 2,596 |
| Retained earnings to average equity (ytd only) | 7.5913% | 1,173 |
| Net charge-offs to loans | 0.0444% | 2,179 |
| Credit loss provision to net charge-offs | 753.8071% | 951 |
| Earnings coverage of net charge-offs (x) | 107.5584% | 750 |
| Efficiency ratio | 43.7883% | 4,795 |
| Assets per employee ($millions) | 14.1900% | 206 |
| Cash dividends to net income (ytd only)* | 10.8297% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,188 |
| Loan loss allowance to noncurrent loans | 440.1856% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,946 |
| Noncurrent loans to loans | 0.3069% | 3,105 |
| Net loans and leases to total assets | 23.8613% | 4,855 |
| Net loans and leases to deposits | 26.9535% | 4,869 |
| Net loans and leases to core deposits | 51.6291% | 4,364 |
| Total domestic deposits to total assets | 88.5277% | 1,209 |
| Equity capital to assets | 10.8031% | 2,426 |
| Core capital (leverage) ratio | 9.7413% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3213% | 281 |
| Memoranda: | ||
| Average total assets | $1,826,784,200 | 521 |
| Average earning assets | $1,782,112,400 | 492 |
| Average equity | $195,236,600 | 513 |
| Average total loans | $444,175,000 | 1,239 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4105% | 4,916 |
| Cost of funding earning assets | 0.5064% | 3,181 |
| Net interest margin | 1.9041% | 4,916 |
| Noninterest income to average assets | 0.2226% | 4,162 |
| Noninterest expense to average assets | 0.9028% | 4,988 |
| Loan and lease loss provision to assets | 0.0782% | 3,341 |
| Net operating income to assets | 0.9057% | 2,678 |
| Return on assets (ROA) | 0.9309% | 2,723 |
| Pretax return on assets | 1.1298% | 2,645 |
| Return on Equity (ROE) | 8.7349% | 2,510 |
| Retained earnings to average equity (ytd only) | 8.7349% | 1,063 |
| Net charge-offs to loans | 0.0251% | 2,335 |
| Credit loss provision to net charge-offs | 1,279.5181% | 699 |
| Earnings coverage of net charge-offs (x) | 192.7349% | 506 |
| Efficiency ratio | 43.4015% | 4,817 |
| Assets per employee ($millions) | 13.7440% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,135 |
| Loan loss allowance to noncurrent loans | 386.4116% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 4,022 |
| Noncurrent loans to loans | 0.3378% | 3,068 |
| Net loans and leases to total assets | 24.0494% | 4,894 |
| Net loans and leases to deposits | 27.2127% | 4,909 |
| Net loans and leases to core deposits | 58.5948% | 4,275 |
| Total domestic deposits to total assets | 88.3755% | 1,024 |
| Equity capital to assets | 10.9996% | 2,398 |
| Core capital (leverage) ratio | 9.7155% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6082% | 318 |
| Memoranda: | ||
| Average total assets | $1,811,662,500 | 516 |
| Average earning assets | $1,767,297,250 | 486 |
| Average equity | $193,074,750 | 514 |
| Average total loans | $441,095,000 | 1,244 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5491% | 4,953 |
| Cost of funding earning assets | 0.5970% | 2,981 |
| Net interest margin | 1.9521% | 4,957 |
| Noninterest income to average assets | 0.2225% | 4,159 |
| Noninterest expense to average assets | 0.8780% | 5,024 |
| Loan and lease loss provision to assets | 0.0486% | 3,693 |
| Net operating income to assets | 0.9765% | 2,407 |
| Return on assets (ROA) | 1.0091% | 2,416 |
| Pretax return on assets | 1.2402% | 2,219 |
| Return on Equity (ROE) | 9.5731% | 2,117 |
| Retained earnings to average equity (ytd only) | 9.5731% | 863 |
| Net charge-offs to loans | 0.0242% | 2,234 |
| Credit loss provision to net charge-offs | 826.4151% | 906 |
| Earnings coverage of net charge-offs (x) | 212.2264% | 424 |
| Efficiency ratio | 41.2852% | 4,879 |
| Assets per employee ($millions) | 13.6473% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 2,723 |
| Loan loss allowance to noncurrent loans | 383.9533% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 4,153 |
| Noncurrent loans to loans | 0.3024% | 3,305 |
| Net loans and leases to total assets | 24.3231% | 4,924 |
| Net loans and leases to deposits | 27.5242% | 4,942 |
| Net loans and leases to core deposits | 55.5082% | 4,446 |
| Total domestic deposits to total assets | 88.3699% | 1,008 |
| Equity capital to assets | 10.8407% | 2,470 |
| Core capital (leverage) ratio | 9.7442% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5568% | 348 |
| Memoranda: | ||
| Average total assets | $1,801,649,667 | 508 |
| Average earning assets | $1,757,372,667 | 482 |
| Average equity | $189,906,667 | 520 |
| Average total loans | $438,534,667 | 1,233 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7814% | 5,004 |
| Cost of funding earning assets | 0.6891% | 2,977 |
| Net interest margin | 2.0923% | 4,992 |
| Noninterest income to average assets | 0.2542% | 4,025 |
| Noninterest expense to average assets | 0.8077% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2085% | 1,489 |
| Return on assets (ROA) | 1.2167% | 1,574 |
| Pretax return on assets | 1.4987% | 1,311 |
| Return on Equity (ROE) | 11.7148% | 1,191 |
| Retained earnings to average equity (ytd only) | 11.7148% | 455 |
| Net charge-offs to loans | 0.0380% | 1,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 161.6829% | 407 |
| Efficiency ratio | 35.1750% | 5,032 |
| Assets per employee ($millions) | 13.2790% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 3,271 |
| Loan loss allowance to noncurrent loans | 367.6292% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 4,234 |
| Noncurrent loans to loans | 0.2961% | 3,438 |
| Net loans and leases to total assets | 24.5261% | 4,971 |
| Net loans and leases to deposits | 27.6990% | 4,994 |
| Net loans and leases to core deposits | 53.3568% | 4,588 |
| Total domestic deposits to total assets | 88.5452% | 861 |
| Equity capital to assets | 10.7925% | 3,055 |
| Core capital (leverage) ratio | 9.5666% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3693% | 320 |
| Memoranda: | ||
| Average total assets | $1,781,279,500 | 497 |
| Average earning assets | $1,738,580,000 | 469 |
| Average equity | $184,996,000 | 535 |
| Average total loans | $431,107,000 | 1,221 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0681% | 5,038 |
| Cost of funding earning assets | 0.8218% | 2,582 |
| Net interest margin | 2.2463% | 5,049 |
| Noninterest income to average assets | 0.2458% | 4,210 |
| Noninterest expense to average assets | 0.9051% | 5,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2447% | 1,888 |
| Return on assets (ROA) | 1.2395% | 1,991 |
| Pretax return on assets | 1.5285% | 1,719 |
| Return on Equity (ROE) | 13.5594% | 988 |
| Retained earnings to average equity (ytd only) | 12.4471% | 205 |
| Net charge-offs to loans | 0.0205% | 3,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 327.3855% | 266 |
| Efficiency ratio | 37.0937% | 5,098 |
| Assets per employee ($millions) | 13.4103% | 169 |
| Cash dividends to net income (ytd only)* | 8.2031% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 2,596 |
| Loan loss allowance to noncurrent loans | 316.4073% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 4,206 |
| Noncurrent loans to loans | 0.3692% | 3,124 |
| Net loans and leases to total assets | 23.3214% | 5,043 |
| Net loans and leases to deposits | 26.0562% | 5,064 |
| Net loans and leases to core deposits | 50.4567% | 4,747 |
| Total domestic deposits to total assets | 89.5043% | 486 |
| Equity capital to assets | 9.9719% | 3,948 |
| Core capital (leverage) ratio | 9.3367% | 4,242 |
| Tier 1 risk-based capital ratio | 27.9990% | 558 |
| Total risk-based capital ratio | 28.8242% | 574 |
| Memoranda: | ||
| Average total assets | $1,770,290,600 | 478 |
| Average earning assets | $1,729,325,400 | 449 |
| Average equity | $161,829,000 | 577 |
| Average total loans | $404,291,400 | 1,253 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1331% | 5,113 |
| Cost of funding earning assets | 0.8355% | 2,535 |
| Net interest margin | 2.2976% | 5,128 |
| Noninterest income to average assets | 0.2404% | 4,298 |
| Noninterest expense to average assets | 0.8550% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3257% | 1,750 |
| Return on assets (ROA) | 1.3209% | 1,842 |
| Pretax return on assets | 1.6223% | 1,553 |
| Return on Equity (ROE) | 14.7850% | 825 |
| Retained earnings to average equity (ytd only) | 14.7850% | 163 |
| Net charge-offs to loans | 0.0382% | 2,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 188.0081% | 460 |
| Efficiency ratio | 34.4282% | 5,192 |
| Assets per employee ($millions) | 14.0535% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,707 |
| Loan loss allowance to noncurrent loans | 379.2645% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 4,360 |
| Noncurrent loans to loans | 0.3063% | 3,436 |
| Net loans and leases to total assets | 23.1026% | 5,136 |
| Net loans and leases to deposits | 25.7365% | 5,152 |
| Net loans and leases to core deposits | 53.1975% | 4,769 |
| Total domestic deposits to total assets | 89.7659% | 348 |
| Equity capital to assets | 9.7762% | 4,233 |
| Core capital (leverage) ratio | 9.1472% | 4,517 |
| Tier 1 risk-based capital ratio | 29.1001% | 513 |
| Total risk-based capital ratio | 29.9657% | 516 |
| Memoranda: | ||
| Average total assets | $1,770,323,250 | 476 |
| Average earning assets | $1,728,190,250 | 448 |
| Average equity | $158,156,500 | 592 |
| Average total loans | $400,938,000 | 1,273 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1631% | 5,162 |
| Cost of funding earning assets | 0.8135% | 2,583 |
| Net interest margin | 2.3496% | 5,181 |
| Noninterest income to average assets | 0.2331% | 4,355 |
| Noninterest expense to average assets | 0.8076% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3996% | 1,440 |
| Return on assets (ROA) | 1.4084% | 1,468 |
| Pretax return on assets | 1.7277% | 1,221 |
| Return on Equity (ROE) | 16.2828% | 550 |
| Retained earnings to average equity (ytd only) | 16.2828% | 124 |
| Net charge-offs to loans | 0.0288% | 2,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 265.8947% | 302 |
| Efficiency ratio | 31.9901% | 5,248 |
| Assets per employee ($millions) | 14.2748% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,544 |
| Loan loss allowance to noncurrent loans | 377.5982% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 4,395 |
| Noncurrent loans to loans | 0.3169% | 3,401 |
| Net loans and leases to total assets | 22.8834% | 5,185 |
| Net loans and leases to deposits | 25.3717% | 5,204 |
| Net loans and leases to core deposits | 51.0674% | 4,840 |
| Total domestic deposits to total assets | 90.1924% | 286 |
| Equity capital to assets | 9.4416% | 4,456 |
| Core capital (leverage) ratio | 8.9273% | 4,693 |
| Tier 1 risk-based capital ratio | 30.0131% | 481 |
| Total risk-based capital ratio | 30.9457% | 485 |
| Memoranda: | ||
| Average total assets | $1,765,498,330 | 479 |
| Average earning assets | $1,721,754,000 | 448 |
| Average equity | $152,713,330 | 611 |
| Average total loans | $395,523,330 | 1,289 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1265% | 5,232 |
| Cost of funding earning assets | 0.7763% | 2,657 |
| Net interest margin | 2.3502% | 5,241 |
| Noninterest income to average assets | 0.2280% | 4,374 |
| Noninterest expense to average assets | 0.8766% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3502% | 1,528 |
| Return on assets (ROA) | 1.3977% | 1,417 |
| Pretax return on assets | 1.7037% | 1,198 |
| Return on Equity (ROE) | 16.9365% | 487 |
| Retained earnings to average equity (ytd only) | 16.9365% | 186 |
| Net charge-offs to loans | 0.0196% | 2,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 381.8421% | 203 |
| Efficiency ratio | 34.7513% | 5,286 |
| Assets per employee ($millions) | 15.1897% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,430 |
| Loan loss allowance to noncurrent loans | 461.9626% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,522 |
| Noncurrent loans to loans | 0.2661% | 3,608 |
| Net loans and leases to total assets | 22.1594% | 5,249 |
| Net loans and leases to deposits | 24.2820% | 5,261 |
| Net loans and leases to core deposits | 43.1705% | 5,057 |
| Total domestic deposits to total assets | 91.2588% | 124 |
| Equity capital to assets | 8.4674% | 5,008 |
| Core capital (leverage) ratio | 8.6207% | 4,932 |
| Tier 1 risk-based capital ratio | 29.8863% | 481 |
| Total risk-based capital ratio | 30.8610% | 482 |
| Memoranda: | ||
| Average total assets | $1,763,211,000 | 481 |
| Average earning assets | $1,721,410,000 | 453 |
| Average equity | $145,508,000 | 633 |
| Average total loans | $388,306,500 | 1,319 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7735% | 5,299 |
| Cost of funding earning assets | 0.6406% | 2,459 |
| Net interest margin | 2.1329% | 5,318 |
| Noninterest income to average assets | 0.2535% | 4,412 |
| Noninterest expense to average assets | 0.8869% | 5,366 |
| Loan and lease loss provision to assets | 0.0915% | 2,319 |
| Net operating income to assets | 1.1563% | 2,357 |
| Return on assets (ROA) | 1.1561% | 2,359 |
| Pretax return on assets | 1.3574% | 2,284 |
| Return on Equity (ROE) | 14.6785% | 905 |
| Retained earnings to average equity (ytd only) | 13.2840% | 211 |
| Net charge-offs to loans | 0.0196% | 3,040 |
| Credit loss provision to net charge-offs | 2,142.8571% | 210 |
| Earnings coverage of net charge-offs (x) | 339.2571% | 302 |
| Efficiency ratio | 37.9672% | 5,307 |
| Assets per employee ($millions) | 14.8208% | 103 |
| Cash dividends to net income (ytd only)* | 9.5007% | 3,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 1,926 |
| Loan loss allowance to noncurrent loans | 415.9262% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,486 |
| Noncurrent loans to loans | 0.3186% | 3,411 |
| Net loans and leases to total assets | 21.3101% | 5,299 |
| Net loans and leases to deposits | 23.2505% | 5,309 |
| Net loans and leases to core deposits | 42.1122% | 5,122 |
| Total domestic deposits to total assets | 91.6545% | 100 |
| Equity capital to assets | 8.0303% | 5,153 |
| Core capital (leverage) ratio | 8.5377% | 5,009 |
| Tier 1 risk-based capital ratio | 29.4471% | 493 |
| Total risk-based capital ratio | 30.4520% | 493 |
| Memoranda: | ||
| Average total assets | $1,638,781,200 | 497 |
| Average earning assets | $1,600,093,600 | 470 |
| Average equity | $129,073,000 | 671 |
| Average total loans | $356,439,800 | 1,381 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7129% | 5,371 |
| Cost of funding earning assets | 0.6194% | 2,341 |
| Net interest margin | 2.0935% | 5,396 |
| Noninterest income to average assets | 0.2499% | 4,481 |
| Noninterest expense to average assets | 0.8824% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2049% | 2,223 |
| Return on assets (ROA) | 1.2101% | 2,207 |
| Pretax return on assets | 1.4208% | 2,152 |
| Return on Equity (ROE) | 15.4448% | 793 |
| Retained earnings to average equity (ytd only) | 15.4448% | 161 |
| Net charge-offs to loans | 0.0261% | 2,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 248.3416% | 371 |
| Efficiency ratio | 38.4129% | 5,362 |
| Assets per employee ($millions) | 14.1519% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 3,974 |
| Loan loss allowance to noncurrent loans | 283.8525% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 4,606 |
| Noncurrent loans to loans | 0.3402% | 3,438 |
| Net loans and leases to total assets | 21.4498% | 5,372 |
| Net loans and leases to deposits | 23.2880% | 5,386 |
| Net loans and leases to core deposits | 44.7890% | 5,144 |
| Total domestic deposits to total assets | 92.1068% | 76 |
| Equity capital to assets | 7.6715% | 5,273 |
| Core capital (leverage) ratio | 8.6664% | 4,984 |
| Tier 1 risk-based capital ratio | 30.3743% | 461 |
| Total risk-based capital ratio | 31.1102% | 477 |
| Memoranda: | ||
| Average total assets | $1,614,968,000 | 503 |
| Average earning assets | $1,579,245,750 | 471 |
| Average equity | $126,529,250 | 679 |
| Average total loans | $351,928,000 | 1,394 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6678% | 5,441 |
| Cost of funding earning assets | 0.6048% | 2,199 |
| Net interest margin | 2.0630% | 5,464 |
| Noninterest income to average assets | 0.2565% | 4,478 |
| Noninterest expense to average assets | 0.9034% | 5,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1824% | 2,271 |
| Return on assets (ROA) | 1.1904% | 2,236 |
| Pretax return on assets | 1.3779% | 2,231 |
| Return on Equity (ROE) | 15.0849% | 827 |
| Retained earnings to average equity (ytd only) | 15.0849% | 195 |
| Net charge-offs to loans | 0.0069% | 2,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 913.2500% | 85 |
| Efficiency ratio | 39.7592% | 5,408 |
| Assets per employee ($millions) | 13.0943% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,843 |
| Loan loss allowance to noncurrent loans | 256.5598% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 4,587 |
| Noncurrent loans to loans | 0.3896% | 3,301 |
| Net loans and leases to total assets | 21.4708% | 5,431 |
| Net loans and leases to deposits | 23.3250% | 5,447 |
| Net loans and leases to core deposits | 44.3222% | 5,190 |
| Total domestic deposits to total assets | 92.0506% | 86 |
| Equity capital to assets | 7.7920% | 5,297 |
| Core capital (leverage) ratio | 8.4866% | 5,121 |
| Tier 1 risk-based capital ratio | 29.8984% | 481 |
| Total risk-based capital ratio | 30.6622% | 491 |
| Memoranda: | ||
| Average total assets | $1,601,366,000 | 507 |
| Average earning assets | $1,564,513,330 | 474 |
| Average equity | $126,364,670 | 679 |
| Average total loans | $349,696,330 | 1,406 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6129% | 5,507 |
| Cost of funding earning assets | 0.5789% | 2,183 |
| Net interest margin | 2.0340% | 5,535 |
| Noninterest income to average assets | 0.2354% | 4,602 |
| Noninterest expense to average assets | 0.8960% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1510% | 2,213 |
| Return on assets (ROA) | 1.1671% | 2,159 |
| Pretax return on assets | 1.3467% | 2,193 |
| Return on Equity (ROE) | 14.6966% | 860 |
| Retained earnings to average equity (ytd only) | 14.6966% | 348 |
| Net charge-offs to loans | 0.0149% | 2,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 406.1538% | 164 |
| Efficiency ratio | 40.2850% | 5,453 |
| Assets per employee ($millions) | 13.2275% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,825 |
| Loan loss allowance to noncurrent loans | 307.6856% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,737 |
| Noncurrent loans to loans | 0.3327% | 3,576 |
| Net loans and leases to total assets | 20.9342% | 5,497 |
| Net loans and leases to deposits | 22.7067% | 5,511 |
| Net loans and leases to core deposits | 40.1668% | 5,301 |
| Total domestic deposits to total assets | 92.1941% | 87 |
| Equity capital to assets | 7.6303% | 5,388 |
| Core capital (leverage) ratio | 8.3369% | 5,239 |
| Tier 1 risk-based capital ratio | 30.0322% | 472 |
| Total risk-based capital ratio | 30.8284% | 481 |
| Memoranda: | ||
| Average total assets | $1,590,201,000 | 517 |
| Average earning assets | $1,554,771,000 | 480 |
| Average equity | $126,288,000 | 680 |
| Average total loans | $348,474,000 | 1,403 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4605% | 5,562 |
| Cost of funding earning assets | 0.5043% | 2,292 |
| Net interest margin | 1.9563% | 5,580 |
| Noninterest income to average assets | 0.2282% | 4,776 |
| Noninterest expense to average assets | 0.8470% | 5,631 |
| Loan and lease loss provision to assets | 0.0064% | 4,138 |
| Net operating income to assets | 1.0806% | 1,930 |
| Return on assets (ROA) | 1.1061% | 1,857 |
| Pretax return on assets | 1.3197% | 2,284 |
| Return on Equity (ROE) | 14.2704% | 722 |
| Retained earnings to average equity (ytd only) | 12.7764% | 142 |
| Net charge-offs to loans | 0.0332% | 3,129 |
| Credit loss provision to net charge-offs | 89.2857% | 2,805 |
| Earnings coverage of net charge-offs (x) | 179.8304% | 430 |
| Efficiency ratio | 39.5274% | 5,532 |
| Assets per employee ($millions) | 12.3287% | 168 |
| Cash dividends to net income (ytd only)* | 10.4694% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,928 |
| Loan loss allowance to noncurrent loans | 723.1084% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 4,984 |
| Noncurrent loans to loans | 0.1386% | 4,371 |
| Net loans and leases to total assets | 22.4854% | 5,552 |
| Net loans and leases to deposits | 24.6019% | 5,567 |
| Net loans and leases to core deposits | 43.7316% | 5,301 |
| Total domestic deposits to total assets | 91.3971% | 158 |
| Equity capital to assets | 8.2678% | 5,275 |
| Core capital (leverage) ratio | 8.2755% | 5,302 |
| Tier 1 risk-based capital ratio | 29.8878% | 465 |
| Total risk-based capital ratio | 30.7118% | 476 |
| Memoranda: | ||
| Average total assets | $1,554,393,400 | 501 |
| Average earning assets | $1,521,214,600 | 468 |
| Average equity | $120,480,400 | 682 |
| Average total loans | $337,492,800 | 1,421 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4303% | 5,637 |
| Cost of funding earning assets | 0.4909% | 2,347 |
| Net interest margin | 1.9395% | 5,650 |
| Noninterest income to average assets | 0.2141% | 4,937 |
| Noninterest expense to average assets | 0.8263% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0252% | 2,446 |
| Return on assets (ROA) | 1.0575% | 2,334 |
| Pretax return on assets | 1.3266% | 2,377 |
| Return on Equity (ROE) | 13.8751% | 861 |
| Retained earnings to average equity (ytd only) | 13.8751% | 164 |
| Net charge-offs to loans | 0.0112% | 3,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 535.6059% | 190 |
| Efficiency ratio | 39.1174% | 5,599 |
| Assets per employee ($millions) | 12.4624% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,855 |
| Loan loss allowance to noncurrent loans | 628.5714% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 5,037 |
| Noncurrent loans to loans | 0.1651% | 4,404 |
| Net loans and leases to total assets | 21.8996% | 5,627 |
| Net loans and leases to deposits | 23.9624% | 5,635 |
| Net loans and leases to core deposits | 43.9778% | 5,366 |
| Total domestic deposits to total assets | 91.3915% | 115 |
| Equity capital to assets | 8.2777% | 5,409 |
| Core capital (leverage) ratio | 8.0596% | 5,494 |
| Tier 1 risk-based capital ratio | 30.3614% | 466 |
| Total risk-based capital ratio | 31.2150% | 472 |
| Memoranda: | ||
| Average total assets | $1,554,636,750 | 504 |
| Average earning assets | $1,521,672,500 | 474 |
| Average equity | $118,492,250 | 694 |
| Average total loans | $333,658,750 | 1,439 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3690% | 5,692 |
| Cost of funding earning assets | 0.4748% | 2,377 |
| Net interest margin | 1.8941% | 5,711 |
| Noninterest income to average assets | 0.2160% | 4,959 |
| Noninterest expense to average assets | 0.8333% | 5,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0047% | 2,407 |
| Return on assets (ROA) | 1.0062% | 2,438 |
| Pretax return on assets | 1.2404% | 2,619 |
| Return on Equity (ROE) | 13.5841% | 897 |
| Retained earnings to average equity (ytd only) | 13.5841% | 216 |
| Net charge-offs to loans | 0.0060% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 967.2000% | 72 |
| Efficiency ratio | 40.2225% | 5,626 |
| Assets per employee ($millions) | 12.8596% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,954 |
| Loan loss allowance to noncurrent loans | 2,183.9506% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 5,229 |
| Noncurrent loans to loans | 0.0472% | 4,955 |
| Net loans and leases to total assets | 21.4734% | 5,675 |
| Net loans and leases to deposits | 23.3462% | 5,688 |
| Net loans and leases to core deposits | 41.6321% | 5,451 |
| Total domestic deposits to total assets | 91.9778% | 72 |
| Equity capital to assets | 7.7480% | 5,608 |
| Core capital (leverage) ratio | 7.6198% | 5,630 |
| Tier 1 risk-based capital ratio | 29.7753% | 474 |
| Total risk-based capital ratio | 30.6479% | 486 |
| Memoranda: | ||
| Average total assets | $1,561,891,000 | 507 |
| Average earning assets | $1,530,291,670 | 474 |
| Average equity | $115,694,330 | 711 |
| Average total loans | $331,807,330 | 1,452 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2947% | 5,770 |
| Cost of funding earning assets | 0.4344% | 2,666 |
| Net interest margin | 1.8603% | 5,779 |
| Noninterest income to average assets | 0.2175% | 4,969 |
| Noninterest expense to average assets | 0.8371% | 5,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9860% | 2,364 |
| Return on assets (ROA) | 0.9869% | 2,412 |
| Pretax return on assets | 1.2047% | 2,580 |
| Return on Equity (ROE) | 13.6427% | 872 |
| Retained earnings to average equity (ytd only) | 13.6427% | 322 |
| Net charge-offs to loans | 0.0074% | 2,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 778.3333% | 62 |
| Efficiency ratio | 41.0205% | 5,671 |
| Assets per employee ($millions) | 12.8779% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,886 |
| Loan loss allowance to noncurrent loans | 2,213.7500% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,308 |
| Noncurrent loans to loans | 0.0483% | 4,996 |
| Net loans and leases to total assets | 20.6918% | 5,744 |
| Net loans and leases to deposits | 22.3526% | 5,759 |
| Net loans and leases to core deposits | 37.5860% | 5,586 |
| Total domestic deposits to total assets | 92.5700% | 55 |
| Equity capital to assets | 7.2621% | 5,723 |
| Core capital (leverage) ratio | 7.4996% | 5,707 |
| Tier 1 risk-based capital ratio | 29.0791% | 510 |
| Total risk-based capital ratio | 29.9617% | 511 |
| Memoranda: | ||
| Average total assets | $1,551,970,500 | 510 |
| Average earning assets | $1,521,066,000 | 478 |
| Average equity | $112,265,500 | 734 |
| Average total loans | $326,116,500 | 1,478 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2088% | 5,824 |
| Cost of funding earning assets | 0.3540% | 3,475 |
| Net interest margin | 1.8548% | 5,827 |
| Noninterest income to average assets | 0.2185% | 5,108 |
| Noninterest expense to average assets | 0.8511% | 5,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9562% | 2,550 |
| Return on assets (ROA) | 1.0718% | 2,133 |
| Pretax return on assets | 1.3267% | 2,189 |
| Return on Equity (ROE) | 13.9797% | 779 |
| Retained earnings to average equity (ytd only) | 12.4162% | 196 |
| Net charge-offs to loans | 0.0114% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 522.9412% | 158 |
| Efficiency ratio | 41.8194% | 5,752 |
| Assets per employee ($millions) | 12.3574% | 157 |
| Cash dividends to net income (ytd only)* | 11.1843% | 4,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 3,677 |
| Loan loss allowance to noncurrent loans | 1,163.6066% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 5,248 |
| Noncurrent loans to loans | 0.0950% | 4,858 |
| Net loans and leases to total assets | 20.8813% | 5,792 |
| Net loans and leases to deposits | 22.5637% | 5,813 |
| Net loans and leases to core deposits | 37.0175% | 5,659 |
| Total domestic deposits to total assets | 92.5441% | 62 |
| Equity capital to assets | 7.2041% | 5,774 |
| Core capital (leverage) ratio | 7.4860% | 5,752 |
| Tier 1 risk-based capital ratio | 28.9836% | 516 |
| Total risk-based capital ratio | 29.8949% | 527 |
| Memoranda: | ||
| Average total assets | $1,501,641,400 | 509 |
| Average earning assets | $1,470,739,200 | 472 |
| Average equity | $115,124,200 | 698 |
| Average total loans | $298,842,800 | 1,518 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2064% | 5,892 |
| Cost of funding earning assets | 0.3497% | 3,544 |
| Net interest margin | 1.8567% | 5,891 |
| Noninterest income to average assets | 0.2195% | 5,151 |
| Noninterest expense to average assets | 0.8655% | 5,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9431% | 2,688 |
| Return on assets (ROA) | 1.0912% | 2,139 |
| Pretax return on assets | 1.3584% | 2,199 |
| Return on Equity (ROE) | 14.0183% | 823 |
| Retained earnings to average equity (ytd only) | 14.0183% | 172 |
| Net charge-offs to loans | 0.0123% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 487.9136% | 180 |
| Efficiency ratio | 42.4515% | 5,775 |
| Assets per employee ($millions) | 12.3123% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 3,349 |
| Loan loss allowance to noncurrent loans | 889.0000% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 5,321 |
| Noncurrent loans to loans | 0.1331% | 4,810 |
| Net loans and leases to total assets | 19.7695% | 5,872 |
| Net loans and leases to deposits | 21.6671% | 5,893 |
| Net loans and leases to core deposits | 35.1196% | 5,765 |
| Total domestic deposits to total assets | 91.2419% | 152 |
| Equity capital to assets | 8.1420% | 5,692 |
| Core capital (leverage) ratio | 7.0728% | 5,873 |
| Tier 1 risk-based capital ratio | 28.0740% | 581 |
| Total risk-based capital ratio | 29.0275% | 580 |
| Memoranda: | ||
| Average total assets | $1,497,061,500 | 513 |
| Average earning assets | $1,466,876,000 | 473 |
| Average equity | $116,530,250 | 687 |
| Average total loans | $293,319,250 | 1,551 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2101% | 5,970 |
| Cost of funding earning assets | 0.3476% | 3,597 |
| Net interest margin | 1.8625% | 5,973 |
| Noninterest income to average assets | 0.2092% | 5,244 |
| Noninterest expense to average assets | 0.8759% | 6,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9254% | 2,745 |
| Return on assets (ROA) | 1.1038% | 2,068 |
| Pretax return on assets | 1.3800% | 2,096 |
| Return on Equity (ROE) | 14.4023% | 768 |
| Retained earnings to average equity (ytd only) | 14.4023% | 163 |
| Net charge-offs to loans | -0.0103% | 4,704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0855% | 5,838 |
| Assets per employee ($millions) | 12.5213% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 3,361 |
| Loan loss allowance to noncurrent loans | 1,557.5758% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 5,467 |
| Noncurrent loans to loans | 0.0771% | 5,142 |
| Net loans and leases to total assets | 19.7093% | 5,940 |
| Net loans and leases to deposits | 21.6241% | 5,966 |
| Net loans and leases to core deposits | 34.4248% | 5,839 |
| Total domestic deposits to total assets | 91.1449% | 166 |
| Equity capital to assets | 8.1248% | 5,764 |
| Core capital (leverage) ratio | 7.2461% | 5,921 |
| Tier 1 risk-based capital ratio | 29.0150% | 541 |
| Total risk-based capital ratio | 29.9923% | 544 |
| Memoranda: | ||
| Average total assets | $1,495,381,000 | 512 |
| Average earning assets | $1,464,284,330 | 471 |
| Average equity | $114,606,670 | 701 |
| Average total loans | $290,921,000 | 1,566 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2135% | 6,032 |
| Cost of funding earning assets | 0.3421% | 3,689 |
| Net interest margin | 1.8713% | 6,033 |
| Noninterest income to average assets | 0.2158% | 5,193 |
| Noninterest expense to average assets | 0.8596% | 6,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9800% | 2,368 |
| Return on assets (ROA) | 1.0066% | 2,362 |
| Pretax return on assets | 1.2219% | 2,612 |
| Return on Equity (ROE) | 13.5438% | 920 |
| Retained earnings to average equity (ytd only) | 13.5438% | 350 |
| Net charge-offs to loans | 0.0042% | 2,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1,478.6667% | 25 |
| Efficiency ratio | 41.9524% | 5,921 |
| Assets per employee ($millions) | 12.5046% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 3,297 |
| Loan loss allowance to noncurrent loans | 270.3396% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 5,233 |
| Noncurrent loans to loans | 0.4558% | 3,812 |
| Net loans and leases to total assets | 18.9758% | 6,006 |
| Net loans and leases to deposits | 20.6793% | 6,023 |
| Net loans and leases to core deposits | 31.5300% | 5,924 |
| Total domestic deposits to total assets | 91.7622% | 131 |
| Equity capital to assets | 7.5898% | 5,929 |
| Core capital (leverage) ratio | 6.9332% | 6,004 |
| Tier 1 risk-based capital ratio | 28.5441% | 574 |
| Total risk-based capital ratio | 29.5433% | 574 |
| Memoranda: | ||
| Average total assets | $1,491,791,000 | 513 |
| Average earning assets | $1,461,418,500 | 474 |
| Average equity | $110,870,000 | 725 |
| Average total loans | $286,510,500 | 1,583 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1509% | 6,081 |
| Cost of funding earning assets | 0.2682% | 4,612 |
| Net interest margin | 1.8828% | 6,066 |
| Noninterest income to average assets | 0.2257% | 5,248 |
| Noninterest expense to average assets | 0.8406% | 6,138 |
| Loan and lease loss provision to assets | 0.0536% | 3,245 |
| Net operating income to assets | 0.9453% | 2,638 |
| Return on assets (ROA) | 1.0629% | 2,154 |
| Pretax return on assets | 1.3175% | 2,211 |
| Return on Equity (ROE) | 14.6319% | 742 |
| Retained earnings to average equity (ytd only) | 13.2158% | 193 |
| Net charge-offs to loans | 0.0004% | 4,460 |
| Credit loss provision to net charge-offs | 75,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 17,161.0000% | 1 |
| Efficiency ratio | 40.6769% | 6,053 |
| Assets per employee ($millions) | 12.2544% | 141 |
| Cash dividends to net income (ytd only)* | 9.6781% | 4,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 3,067 |
| Loan loss allowance to noncurrent loans | 1,347.7444% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 5,626 |
| Noncurrent loans to loans | 0.0942% | 5,121 |
| Net loans and leases to total assets | 18.9551% | 6,063 |
| Net loans and leases to deposits | 20.5735% | 6,083 |
| Net loans and leases to core deposits | 31.2022% | 5,992 |
| Total domestic deposits to total assets | 92.1338% | 100 |
| Equity capital to assets | 7.2697% | 6,013 |
| Core capital (leverage) ratio | 6.9384% | 6,057 |
| Tier 1 risk-based capital ratio | 27.8701% | 603 |
| Total risk-based capital ratio | 28.8838% | 607 |
| Memoranda: | ||
| Average total assets | $1,399,827,200 | 514 |
| Average earning assets | $1,368,609,800 | 471 |
| Average equity | $101,688,800 | 758 |
| Average total loans | $256,540,600 | 1,689 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1562% | 6,173 |
| Cost of funding earning assets | 0.2661% | 4,704 |
| Net interest margin | 1.8900% | 6,154 |
| Noninterest income to average assets | 0.2293% | 5,281 |
| Noninterest expense to average assets | 0.8923% | 6,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9481% | 2,720 |
| Return on assets (ROA) | 1.0795% | 2,182 |
| Pretax return on assets | 1.3496% | 2,212 |
| Return on Equity (ROE) | 14.8637% | 743 |
| Retained earnings to average equity (ytd only) | 14.8637% | 169 |
| Net charge-offs to loans | 0.0080% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 819.1795% | 90 |
| Efficiency ratio | 42.9473% | 6,061 |
| Assets per employee ($millions) | 11.9245% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 4,602 |
| Loan loss allowance to noncurrent loans | 2,370.5882% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,773 |
| Noncurrent loans to loans | 0.0433% | 5,445 |
| Net loans and leases to total assets | 19.3129% | 6,145 |
| Net loans and leases to deposits | 21.0353% | 6,171 |
| Net loans and leases to core deposits | 28.8393% | 6,107 |
| Total domestic deposits to total assets | 91.8121% | 115 |
| Equity capital to assets | 7.5825% | 6,063 |
| Core capital (leverage) ratio | 7.0449% | 6,122 |
| Tier 1 risk-based capital ratio | 28.2674% | 602 |
| Total risk-based capital ratio | 29.0953% | 616 |
| Memoranda: | ||
| Average total assets | $1,382,151,500 | 518 |
| Average earning assets | $1,351,687,750 | 480 |
| Average equity | $100,385,250 | 769 |
| Average total loans | $250,094,250 | 1,735 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1070% | 6,254 |
| Cost of funding earning assets | 0.2694% | 4,726 |
| Net interest margin | 1.8376% | 6,239 |
| Noninterest income to average assets | 0.2219% | 5,380 |
| Noninterest expense to average assets | 0.9081% | 6,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8930% | 2,916 |
| Return on assets (ROA) | 1.0665% | 2,177 |
| Pretax return on assets | 1.3261% | 2,256 |
| Return on Equity (ROE) | 14.9080% | 749 |
| Retained earnings to average equity (ytd only) | 14.9080% | 197 |
| Net charge-offs to loans | 0.0074% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 846.5556% | 72 |
| Efficiency ratio | 45.0170% | 6,082 |
| Assets per employee ($millions) | 11.6925% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 4,410 |
| Loan loss allowance to noncurrent loans | 122.4870% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 5,197 |
| Noncurrent loans to loans | 0.8854% | 2,914 |
| Net loans and leases to total assets | 19.0108% | 6,220 |
| Net loans and leases to deposits | 20.6068% | 6,244 |
| Net loans and leases to core deposits | 29.0672% | 6,169 |
| Total domestic deposits to total assets | 92.2548% | 102 |
| Equity capital to assets | 7.2849% | 6,148 |
| Core capital (leverage) ratio | 6.5235% | 6,238 |
| Tier 1 risk-based capital ratio | 26.4879% | 741 |
| Total risk-based capital ratio | 27.3265% | 760 |
| Memoranda: | ||
| Average total assets | $1,373,839,330 | 517 |
| Average earning assets | $1,342,274,670 | 484 |
| Average equity | $98,283,000 | 793 |
| Average total loans | $241,935,330 | 1,799 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0400% | 6,331 |
| Cost of funding earning assets | 0.2685% | 4,811 |
| Net interest margin | 1.7715% | 6,318 |
| Noninterest income to average assets | 0.2109% | 5,446 |
| Noninterest expense to average assets | 0.9003% | 6,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8178% | 3,168 |
| Return on assets (ROA) | 1.0542% | 2,153 |
| Pretax return on assets | 1.3450% | 2,098 |
| Return on Equity (ROE) | 14.8703% | 730 |
| Retained earnings to average equity (ytd only) | 14.8703% | 296 |
| Net charge-offs to loans | 0.0086% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 720.2000% | 63 |
| Efficiency ratio | 46.3578% | 6,089 |
| Assets per employee ($millions) | 11.6397% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 4,050 |
| Loan loss allowance to noncurrent loans | 128.1575% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 5,328 |
| Noncurrent loans to loans | 0.9269% | 2,926 |
| Net loans and leases to total assets | 16.7200% | 6,305 |
| Net loans and leases to deposits | 18.1452% | 6,322 |
| Net loans and leases to core deposits | 24.5824% | 6,273 |
| Total domestic deposits to total assets | 92.1456% | 134 |
| Equity capital to assets | 7.1482% | 6,248 |
| Core capital (leverage) ratio | 6.3381% | 6,314 |
| Tier 1 risk-based capital ratio | 27.7536% | 664 |
| Total risk-based capital ratio | 28.6596% | 666 |
| Memoranda: | ||
| Average total assets | $1,382,596,000 | 518 |
| Average earning assets | $1,351,206,000 | 482 |
| Average equity | $98,021,000 | 790 |
| Average total loans | $232,565,500 | 1,853 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2010% | 6,401 |
| Cost of funding earning assets | 0.3069% | 4,719 |
| Net interest margin | 1.8941% | 6,391 |
| Noninterest income to average assets | 0.2612% | 5,267 |
| Noninterest expense to average assets | 0.9290% | 6,456 |
| Loan and lease loss provision to assets | 0.0205% | 4,207 |
| Net operating income to assets | 0.9509% | 2,629 |
| Return on assets (ROA) | 0.9800% | 2,558 |
| Pretax return on assets | 1.1885% | 2,697 |
| Return on Equity (ROE) | 13.8852% | 951 |
| Retained earnings to average equity (ytd only) | 12.2106% | 282 |
| Net charge-offs to loans | 0.0715% | 3,455 |
| Credit loss provision to net charge-offs | 164.4737% | 1,482 |
| Earnings coverage of net charge-offs (x) | 94.0592% | 556 |
| Efficiency ratio | 44.1850% | 6,314 |
| Assets per employee ($millions) | 11.4016% | 169 |
| Cash dividends to net income (ytd only)* | 12.0603% | 4,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 3,718 |
| Loan loss allowance to noncurrent loans | 127.0040% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 5,367 |
| Noncurrent loans to loans | 0.9845% | 2,868 |
| Net loans and leases to total assets | 16.5080% | 6,404 |
| Net loans and leases to deposits | 17.8977% | 6,423 |
| Net loans and leases to core deposits | 24.2678% | 6,370 |
| Total domestic deposits to total assets | 92.2355% | 123 |
| Equity capital to assets | 7.0288% | 6,322 |
| Core capital (leverage) ratio | 6.3581% | 6,380 |
| Tier 1 risk-based capital ratio | 28.0136% | 614 |
| Total risk-based capital ratio | 28.9468% | 622 |
| Memoranda: | ||
| Average total assets | $1,218,333,200 | 554 |
| Average earning assets | $1,184,351,600 | 520 |
| Average equity | $85,990,600 | 858 |
| Average total loans | $212,694,400 | 1,955 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2163% | 6,478 |
| Cost of funding earning assets | 0.3103% | 4,778 |
| Net interest margin | 1.9060% | 6,468 |
| Noninterest income to average assets | 0.2725% | 5,264 |
| Noninterest expense to average assets | 0.9945% | 6,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9435% | 2,714 |
| Return on assets (ROA) | 0.9470% | 2,788 |
| Pretax return on assets | 1.1331% | 3,056 |
| Return on Equity (ROE) | 13.4021% | 1,116 |
| Retained earnings to average equity (ytd only) | 13.4021% | 289 |
| Net charge-offs to loans | -0.0096% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8357% | 6,251 |
| Assets per employee ($millions) | 11.0861% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 3,891 |
| Loan loss allowance to noncurrent loans | 45.4891% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 4,496 |
| Noncurrent loans to loans | 2.7651% | 1,014 |
| Net loans and leases to total assets | 16.6617% | 6,490 |
| Net loans and leases to deposits | 18.0397% | 6,505 |
| Net loans and leases to core deposits | 24.9656% | 6,443 |
| Total domestic deposits to total assets | 92.3613% | 120 |
| Equity capital to assets | 7.0617% | 6,372 |
| Core capital (leverage) ratio | 6.7267% | 6,414 |
| Tier 1 risk-based capital ratio | 27.7139% | 661 |
| Total risk-based capital ratio | 28.6326% | 667 |
| Memoranda: | ||
| Average total assets | $1,183,720,250 | 566 |
| Average earning assets | $1,149,447,500 | 538 |
| Average equity | $83,646,750 | 881 |
| Average total loans | $209,164,500 | 1,991 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2596% | 6,539 |
| Cost of funding earning assets | 0.3100% | 4,879 |
| Net interest margin | 1.9496% | 6,532 |
| Noninterest income to average assets | 0.2908% | 5,094 |
| Noninterest expense to average assets | 1.0355% | 6,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9573% | 2,522 |
| Return on assets (ROA) | 0.9610% | 2,594 |
| Pretax return on assets | 1.1489% | 2,888 |
| Return on Equity (ROE) | 13.5956% | 1,035 |
| Retained earnings to average equity (ytd only) | 13.5956% | 287 |
| Net charge-offs to loans | -0.0253% | 5,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4982% | 6,309 |
| Assets per employee ($millions) | 9.7378% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 3,734 |
| Loan loss allowance to noncurrent loans | 118.0692% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 5,530 |
| Noncurrent loans to loans | 1.1208% | 2,979 |
| Net loans and leases to total assets | 17.3483% | 6,546 |
| Net loans and leases to deposits | 18.8695% | 6,561 |
| Net loans and leases to core deposits | 27.6082% | 6,477 |
| Total domestic deposits to total assets | 91.9385% | 178 |
| Equity capital to assets | 7.4634% | 6,358 |
| Core capital (leverage) ratio | 6.9088% | 6,445 |
| Tier 1 risk-based capital ratio | 27.6551% | 661 |
| Total risk-based capital ratio | 28.6080% | 667 |
| Memoranda: | ||
| Average total assets | $1,145,936,000 | 587 |
| Average earning assets | $1,110,478,670 | 549 |
| Average equity | $80,997,000 | 899 |
| Average total loans | $205,930,330 | 2,009 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2582% | 6,609 |
| Cost of funding earning assets | 0.2867% | 5,202 |
| Net interest margin | 1.9715% | 6,596 |
| Noninterest income to average assets | 0.3247% | 4,769 |
| Noninterest expense to average assets | 1.0216% | 6,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0017% | 2,204 |
| Return on assets (ROA) | 1.0084% | 2,245 |
| Pretax return on assets | 1.2261% | 2,367 |
| Return on Equity (ROE) | 14.7014% | 821 |
| Retained earnings to average equity (ytd only) | 14.7014% | 344 |
| Net charge-offs to loans | 0.0039% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1,712.5000% | 11 |
| Efficiency ratio | 45.6177% | 6,441 |
| Assets per employee ($millions) | 9.6524% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 4,034 |
| Loan loss allowance to noncurrent loans | 111.0390% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 5,581 |
| Noncurrent loans to loans | 1.1853% | 3,067 |
| Net loans and leases to total assets | 17.5640% | 6,613 |
| Net loans and leases to deposits | 18.9511% | 6,633 |
| Net loans and leases to core deposits | 25.7616% | 6,557 |
| Total domestic deposits to total assets | 92.6805% | 151 |
| Equity capital to assets | 6.9356% | 6,465 |
| Core capital (leverage) ratio | 6.9008% | 6,491 |
| Tier 1 risk-based capital ratio | 26.5941% | 741 |
| Total risk-based capital ratio | 27.5324% | 754 |
| Memoranda: | ||
| Average total assets | $1,124,896,000 | 601 |
| Average earning assets | $1,092,573,500 | 557 |
| Average equity | $77,162,500 | 948 |
| Average total loans | $204,463,000 | 2,018 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3433% | 6,663 |
| Cost of funding earning assets | 0.2875% | 5,691 |
| Net interest margin | 2.0559% | 6,640 |
| Noninterest income to average assets | 0.2505% | 5,553 |
| Noninterest expense to average assets | 1.0317% | 6,744 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9903% | 2,365 |
| Return on assets (ROA) | 1.0664% | 2,135 |
| Pretax return on assets | 1.3018% | 2,144 |
| Return on Equity (ROE) | 14.8529% | 792 |
| Retained earnings to average equity (ytd only) | 12.9276% | 246 |
| Net charge-offs to loans | 0.4881% | 1,364 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.2708% | 2,043 |
| Efficiency ratio | 46.0434% | 6,553 |
| Assets per employee ($millions) | 9.0154% | 327 |
| Cash dividends to net income (ytd only)* | 12.9625% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 3,838 |
| Loan loss allowance to noncurrent loans | 108.4356% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 5,061 |
| Noncurrent loans to loans | 1.2559% | 3,028 |
| Net loans and leases to total assets | 18.3311% | 6,689 |
| Net loans and leases to deposits | 19.7310% | 6,706 |
| Net loans and leases to core deposits | 22.9185% | 6,685 |
| Total domestic deposits to total assets | 92.9048% | 145 |
| Equity capital to assets | 6.7774% | 6,517 |
| Core capital (leverage) ratio | 7.0551% | 6,515 |
| Tier 1 risk-based capital ratio | 26.8977% | 689 |
| Total risk-based capital ratio | 27.8834% | 697 |
| Memoranda: | ||
| Average total assets | $1,041,712,600 | 630 |
| Average earning assets | $1,008,431,600 | 594 |
| Average equity | $74,793,400 | 958 |
| Average total loans | $194,413,800 | 2,053 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3542% | 6,737 |
| Cost of funding earning assets | 0.2878% | 5,830 |
| Net interest margin | 2.0664% | 6,706 |
| Noninterest income to average assets | 0.3022% | 5,280 |
| Noninterest expense to average assets | 1.0371% | 6,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0196% | 2,295 |
| Return on assets (ROA) | 1.1209% | 2,000 |
| Pretax return on assets | 1.3899% | 1,963 |
| Return on Equity (ROE) | 15.3852% | 732 |
| Retained earnings to average equity (ytd only) | 15.3852% | 183 |
| Net charge-offs to loans | 0.6564% | 929 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.3140% | 2,376 |
| Efficiency ratio | 45.0514% | 6,627 |
| Assets per employee ($millions) | 8.7724% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,044 |
| Loan loss allowance to noncurrent loans | 702.0513% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 5,669 |
| Noncurrent loans to loans | 0.1947% | 5,755 |
| Net loans and leases to total assets | 19.4185% | 6,760 |
| Net loans and leases to deposits | 20.9651% | 6,780 |
| Net loans and leases to core deposits | 23.5615% | 6,765 |
| Total domestic deposits to total assets | 92.6233% | 160 |
| Equity capital to assets | 7.1446% | 6,508 |
| Core capital (leverage) ratio | 7.2656% | 6,520 |
| Tier 1 risk-based capital ratio | 26.5138% | 742 |
| Total risk-based capital ratio | 27.4986% | 759 |
| Memoranda: | ||
| Average total assets | $1,031,678,000 | 640 |
| Average earning assets | $998,489,500 | 600 |
| Average equity | $75,161,500 | 962 |
| Average total loans | $192,754,000 | 2,071 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3277% | 6,790 |
| Cost of funding earning assets | 0.2884% | 5,917 |
| Net interest margin | 2.0393% | 6,749 |
| Noninterest income to average assets | 0.2920% | 5,362 |
| Noninterest expense to average assets | 1.0562% | 6,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9859% | 2,387 |
| Return on assets (ROA) | 1.1386% | 1,897 |
| Pretax return on assets | 1.3966% | 1,946 |
| Return on Equity (ROE) | 15.5302% | 730 |
| Retained earnings to average equity (ytd only) | 15.5302% | 209 |
| Net charge-offs to loans | 0.9915% | 616 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.6511% | 2,679 |
| Efficiency ratio | 46.5986% | 6,605 |
| Assets per employee ($millions) | 8.4870% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 4,022 |
| Loan loss allowance to noncurrent loans | 775.1412% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 5,630 |
| Noncurrent loans to loans | 0.1809% | 5,865 |
| Net loans and leases to total assets | 19.5980% | 6,800 |
| Net loans and leases to deposits | 21.1565% | 6,829 |
| Net loans and leases to core deposits | 24.7655% | 6,801 |
| Total domestic deposits to total assets | 92.6337% | 164 |
| Equity capital to assets | 7.1446% | 6,565 |
| Core capital (leverage) ratio | 7.0688% | 6,593 |
| Tier 1 risk-based capital ratio | 26.0278% | 768 |
| Total risk-based capital ratio | 27.0346% | 774 |
| Memoranda: | ||
| Average total assets | $1,036,372,330 | 636 |
| Average earning assets | $1,003,474,000 | 598 |
| Average equity | $75,981,000 | 957 |
| Average total loans | $190,225,330 | 2,101 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2314% | 6,888 |
| Cost of funding earning assets | 0.2860% | 6,066 |
| Net interest margin | 1.9454% | 6,862 |
| Noninterest income to average assets | 0.2248% | 5,863 |
| Noninterest expense to average assets | 1.0622% | 6,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8110% | 3,095 |
| Return on assets (ROA) | 1.0908% | 2,004 |
| Pretax return on assets | 1.4113% | 1,817 |
| Return on Equity (ROE) | 14.7051% | 821 |
| Retained earnings to average equity (ytd only) | 14.7051% | 375 |
| Net charge-offs to loans | 2.3318% | 186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.5462% | 3,007 |
| Efficiency ratio | 50.3390% | 6,483 |
| Assets per employee ($millions) | 9.5047% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 4,316 |
| Loan loss allowance to noncurrent loans | 1,103.8298% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 5,803 |
| Noncurrent loans to loans | 0.1254% | 6,093 |
| Net loans and leases to total assets | 17.0579% | 6,899 |
| Net loans and leases to deposits | 18.5450% | 6,919 |
| Net loans and leases to core deposits | 21.4462% | 6,895 |
| Total domestic deposits to total assets | 91.9812% | 250 |
| Equity capital to assets | 7.2690% | 6,657 |
| Core capital (leverage) ratio | 6.5640% | 6,736 |
| Tier 1 risk-based capital ratio | 25.4976% | 839 |
| Total risk-based capital ratio | 26.4713% | 849 |
| Memoranda: | ||
| Average total assets | $1,062,310,000 | 632 |
| Average earning assets | $1,029,498,500 | 586 |
| Average equity | $78,802,500 | 934 |
| Average total loans | $187,495,000 | 2,141 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4687% | 6,945 |
| Cost of funding earning assets | 0.3849% | 6,017 |
| Net interest margin | 2.0838% | 6,905 |
| Noninterest income to average assets | 0.2932% | 5,372 |
| Noninterest expense to average assets | 1.0886% | 6,996 |
| Loan and lease loss provision to assets | 0.0207% | 5,641 |
| Net operating income to assets | 0.9454% | 2,575 |
| Return on assets (ROA) | 1.0116% | 2,502 |
| Pretax return on assets | 1.2891% | 2,455 |
| Return on Equity (ROE) | 12.8789% | 1,261 |
| Retained earnings to average equity (ytd only) | 11.4540% | 383 |
| Net charge-offs to loans | 0.0733% | 4,951 |
| Credit loss provision to net charge-offs | 149.2537% | 1,827 |
| Earnings coverage of net charge-offs (x) | 88.2090% | 441 |
| Efficiency ratio | 46.0625% | 6,779 |
| Assets per employee ($millions) | 8.9749% | 324 |
| Cash dividends to net income (ytd only)* | 11.0644% | 4,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9657% | 2,115 |
| Loan loss allowance to noncurrent loans | 92.8949% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 5,490 |
| Noncurrent loans to loans | 2.1160% | 2,563 |
| Net loans and leases to total assets | 17.6624% | 6,955 |
| Net loans and leases to deposits | 19.2968% | 6,977 |
| Net loans and leases to core deposits | 22.0101% | 6,962 |
| Total domestic deposits to total assets | 91.5302% | 332 |
| Equity capital to assets | 7.5731% | 6,607 |
| Core capital (leverage) ratio | 6.1304% | 6,842 |
| Tier 1 risk-based capital ratio | 25.2888% | 819 |
| Total risk-based capital ratio | 26.5411% | 811 |
| Memoranda: | ||
| Average total assets | $964,906,000 | 679 |
| Average earning assets | $935,569,000 | 638 |
| Average equity | $75,790,400 | 932 |
| Average total loans | $182,825,000 | 2,166 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5209% | 7,045 |
| Cost of funding earning assets | 0.4026% | 6,103 |
| Net interest margin | 2.1183% | 7,005 |
| Noninterest income to average assets | 0.3205% | 5,220 |
| Noninterest expense to average assets | 1.1029% | 7,099 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9771% | 2,625 |
| Return on assets (ROA) | 1.0660% | 2,442 |
| Pretax return on assets | 1.3868% | 2,278 |
| Return on Equity (ROE) | 13.4383% | 1,242 |
| Retained earnings to average equity (ytd only) | 13.4383% | 357 |
| Net charge-offs to loans | 0.0969% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 68.3240% | 596 |
| Efficiency ratio | 45.2710% | 6,856 |
| Assets per employee ($millions) | 9.0036% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 2,464 |
| Loan loss allowance to noncurrent loans | 87.7957% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 5,693 |
| Noncurrent loans to loans | 2.1677% | 2,657 |
| Net loans and leases to total assets | 17.2189% | 7,059 |
| Net loans and leases to deposits | 18.8788% | 7,081 |
| Net loans and leases to core deposits | 26.9742% | 7,005 |
| Total domestic deposits to total assets | 91.2078% | 356 |
| Equity capital to assets | 7.7419% | 6,695 |
| Core capital (leverage) ratio | 6.4869% | 6,889 |
| Tier 1 risk-based capital ratio | 25.3752% | 877 |
| Total risk-based capital ratio | 26.6264% | 864 |
| Memoranda: | ||
| Average total assets | $945,860,750 | 700 |
| Average earning assets | $916,994,250 | 655 |
| Average equity | $75,027,250 | 944 |
| Average total loans | $181,639,250 | 2,205 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6228% | 7,096 |
| Cost of funding earning assets | 0.4332% | 6,078 |
| Net interest margin | 2.1896% | 7,045 |
| Noninterest income to average assets | 0.3785% | 4,809 |
| Noninterest expense to average assets | 1.1895% | 7,149 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0024% | 2,458 |
| Return on assets (ROA) | 1.0675% | 2,402 |
| Pretax return on assets | 1.3928% | 2,224 |
| Return on Equity (ROE) | 13.3354% | 1,274 |
| Retained earnings to average equity (ytd only) | 13.3354% | 403 |
| Net charge-offs to loans | 0.1436% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 45.9385% | 783 |
| Efficiency ratio | 46.4568% | 6,863 |
| Assets per employee ($millions) | 8.3813% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 2,493 |
| Loan loss allowance to noncurrent loans | 86.0912% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 5,682 |
| Noncurrent loans to loans | 2.2267% | 2,693 |
| Net loans and leases to total assets | 18.3719% | 7,105 |
| Net loans and leases to deposits | 20.1527% | 7,133 |
| Net loans and leases to core deposits | 30.1628% | 7,018 |
| Total domestic deposits to total assets | 91.1633% | 398 |
| Equity capital to assets | 7.8344% | 6,661 |
| Core capital (leverage) ratio | 6.6387% | 6,897 |
| Tier 1 risk-based capital ratio | 24.2202% | 990 |
| Total risk-based capital ratio | 25.4718% | 974 |
| Memoranda: | ||
| Average total assets | $913,007,330 | 728 |
| Average earning assets | $883,642,670 | 678 |
| Average equity | $73,083,670 | 961 |
| Average total loans | $181,076,670 | 2,213 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6884% | 7,141 |
| Cost of funding earning assets | 0.4427% | 6,191 |
| Net interest margin | 2.2458% | 7,079 |
| Noninterest income to average assets | 0.2382% | 5,930 |
| Noninterest expense to average assets | 1.2221% | 7,203 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9255% | 2,809 |
| Return on assets (ROA) | 1.0618% | 2,439 |
| Pretax return on assets | 1.3593% | 2,343 |
| Return on Equity (ROE) | 13.1113% | 1,381 |
| Retained earnings to average equity (ytd only) | 13.1113% | 670 |
| Net charge-offs to loans | 0.2991% | 2,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 19.3778% | 1,230 |
| Efficiency ratio | 49.5390% | 6,704 |
| Assets per employee ($millions) | 8.3599% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 2,634 |
| Loan loss allowance to noncurrent loans | 71.7432% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 0.8440% | 4,844 |
| Noncurrent loans to loans | 2.6696% | 2,439 |
| Net loans and leases to total assets | 19.2392% | 7,154 |
| Net loans and leases to deposits | 21.0814% | 7,179 |
| Net loans and leases to core deposits | 31.1547% | 7,055 |
| Total domestic deposits to total assets | 91.2611% | 450 |
| Equity capital to assets | 7.7706% | 6,647 |
| Core capital (leverage) ratio | 6.8447% | 6,894 |
| Tier 1 risk-based capital ratio | 22.5267% | 1,200 |
| Total risk-based capital ratio | 23.7777% | 1,180 |
| Memoranda: | ||
| Average total assets | $883,396,500 | 751 |
| Average earning assets | $852,983,500 | 703 |
| Average equity | $71,541,500 | 977 |
| Average total loans | $180,561,000 | 2,233 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2054% | 7,118 |
| Cost of funding earning assets | 0.5430% | 6,373 |
| Net interest margin | 2.6624% | 6,959 |
| Noninterest income to average assets | 0.3037% | 5,364 |
| Noninterest expense to average assets | 1.3556% | 7,227 |
| Loan and lease loss provision to assets | 0.0665% | 5,779 |
| Net operating income to assets | 1.1340% | 1,712 |
| Return on assets (ROA) | 1.1721% | 1,705 |
| Pretax return on assets | 1.4924% | 1,497 |
| Return on Equity (ROE) | 14.1040% | 903 |
| Retained earnings to average equity (ytd only) | 12.3750% | 269 |
| Net charge-offs to loans | 0.7793% | 2,208 |
| Credit loss provision to net charge-offs | 36.2582% | 5,695 |
| Earnings coverage of net charge-offs (x) | 8.2335% | 2,182 |
| Efficiency ratio | 46.0614% | 7,041 |
| Assets per employee ($millions) | 7.2943% | 631 |
| Cash dividends to net income (ytd only)* | 12.2588% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 2,204 |
| Loan loss allowance to noncurrent loans | 76.2637% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 4,754 |
| Noncurrent loans to loans | 2.6509% | 2,453 |
| Net loans and leases to total assets | 20.9199% | 7,196 |
| Net loans and leases to deposits | 23.1991% | 7,218 |
| Net loans and leases to core deposits | 32.1547% | 7,111 |
| Total domestic deposits to total assets | 90.1753% | 892 |
| Equity capital to assets | 8.4611% | 6,193 |
| Core capital (leverage) ratio | 7.0493% | 6,845 |
| Tier 1 risk-based capital ratio | 21.5819% | 1,301 |
| Total risk-based capital ratio | 22.8336% | 1,270 |
| Memoranda: | ||
| Average total assets | $751,615,400 | 878 |
| Average earning assets | $723,411,000 | 823 |
| Average equity | $62,464,600 | 1,079 |
| Average total loans | $176,946,200 | 2,296 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3026% | 7,175 |
| Cost of funding earning assets | 0.5753% | 6,402 |
| Net interest margin | 2.7273% | 6,966 |
| Noninterest income to average assets | 0.3108% | 5,381 |
| Noninterest expense to average assets | 1.4464% | 7,262 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1590% | 1,782 |
| Return on assets (ROA) | 1.2107% | 1,732 |
| Pretax return on assets | 1.5558% | 1,497 |
| Return on Equity (ROE) | 14.6441% | 910 |
| Retained earnings to average equity (ytd only) | 14.6441% | 251 |
| Net charge-offs to loans | 1.0347% | 1,545 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.9554% | 2,659 |
| Efficiency ratio | 48.0274% | 6,959 |
| Assets per employee ($millions) | 6.9585% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8139% | 2,891 |
| Loan loss allowance to noncurrent loans | 64.7838% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 0.9858% | 4,782 |
| Noncurrent loans to loans | 2.7999% | 2,483 |
| Net loans and leases to total assets | 21.1797% | 7,269 |
| Net loans and leases to deposits | 23.4863% | 7,295 |
| Net loans and leases to core deposits | 36.0778% | 7,119 |
| Total domestic deposits to total assets | 90.1788% | 773 |
| Equity capital to assets | 8.5967% | 6,205 |
| Core capital (leverage) ratio | 7.3351% | 6,839 |
| Tier 1 risk-based capital ratio | 21.9164% | 1,305 |
| Total risk-based capital ratio | 23.1632% | 1,280 |
| Memoranda: | ||
| Average total assets | $729,807,500 | 902 |
| Average earning assets | $702,457,500 | 860 |
| Average equity | $60,336,750 | 1,122 |
| Average total loans | $176,406,000 | 2,312 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4024% | 7,213 |
| Cost of funding earning assets | 0.6100% | 6,410 |
| Net interest margin | 2.7924% | 6,934 |
| Noninterest income to average assets | 0.3106% | 5,405 |
| Noninterest expense to average assets | 1.5667% | 7,267 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1152% | 1,829 |
| Return on assets (ROA) | 1.1952% | 1,669 |
| Pretax return on assets | 1.5296% | 1,438 |
| Return on Equity (ROE) | 14.6771% | 861 |
| Retained earnings to average equity (ytd only) | 14.6771% | 267 |
| Net charge-offs to loans | 1.5411% | 958 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.6815% | 3,080 |
| Efficiency ratio | 51.0735% | 6,867 |
| Assets per employee ($millions) | 6.5783% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 2,964 |
| Loan loss allowance to noncurrent loans | 466.6170% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 5,913 |
| Noncurrent loans to loans | 0.3874% | 6,129 |
| Net loans and leases to total assets | 22.8786% | 7,332 |
| Net loans and leases to deposits | 25.2486% | 7,357 |
| Net loans and leases to core deposits | 36.2906% | 7,212 |
| Total domestic deposits to total assets | 90.6136% | 671 |
| Equity capital to assets | 8.4022% | 6,304 |
| Core capital (leverage) ratio | 7.3407% | 6,846 |
| Tier 1 risk-based capital ratio | 20.6723% | 1,482 |
| Total risk-based capital ratio | 21.9057% | 1,458 |
| Memoranda: | ||
| Average total assets | $706,335,000 | 936 |
| Average earning assets | $678,698,670 | 896 |
| Average equity | $57,518,000 | 1,168 |
| Average total loans | $177,669,330 | 2,313 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 7,264 |
| Cost of funding earning assets | 0.6176% | 6,534 |
| Net interest margin | 2.7873% | 6,925 |
| Noninterest income to average assets | 0.3414% | 5,182 |
| Noninterest expense to average assets | 1.6347% | 7,283 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0920% | 1,863 |
| Return on assets (ROA) | 1.1811% | 1,620 |
| Pretax return on assets | 1.5015% | 1,442 |
| Return on Equity (ROE) | 14.7580% | 862 |
| Retained earnings to average equity (ytd only) | 14.7580% | 413 |
| Net charge-offs to loans | 0.0044% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1,194.0000% | 9 |
| Efficiency ratio | 52.7986% | 6,798 |
| Assets per employee ($millions) | 6.4295% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5531% | 1,384 |
| Loan loss allowance to noncurrent loans | 94.5157% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 5,604 |
| Noncurrent loans to loans | 2.7012% | 2,795 |
| Net loans and leases to total assets | 24.0561% | 7,374 |
| Net loans and leases to deposits | 26.3325% | 7,407 |
| Net loans and leases to core deposits | 34.8288% | 7,288 |
| Total domestic deposits to total assets | 91.3553% | 463 |
| Equity capital to assets | 7.9016% | 6,596 |
| Core capital (leverage) ratio | 7.3902% | 6,800 |
| Tier 1 risk-based capital ratio | 20.1552% | 1,556 |
| Total risk-based capital ratio | 21.4123% | 1,521 |
| Memoranda: | ||
| Average total assets | $687,826,000 | 969 |
| Average earning assets | $661,864,500 | 916 |
| Average equity | $55,048,000 | 1,208 |
| Average total loans | $179,904,000 | 2,312 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 7,174 |
| Cost of funding earning assets | 0.8871% | 6,215 |
| Net interest margin | 3.0485% | 6,640 |
| Noninterest income to average assets | 0.3977% | 4,927 |
| Noninterest expense to average assets | 1.6614% | 7,369 |
| Loan and lease loss provision to assets | 0.3090% | 4,331 |
| Net operating income to assets | 1.0934% | 1,719 |
| Return on assets (ROA) | 1.1346% | 1,674 |
| Pretax return on assets | 1.4075% | 1,644 |
| Return on Equity (ROE) | 12.9237% | 1,106 |
| Retained earnings to average equity (ytd only) | 10.9229% | 390 |
| Net charge-offs to loans | 0.2986% | 4,526 |
| Credit loss provision to net charge-offs | 339.8927% | 756 |
| Earnings coverage of net charge-offs (x) | 18.3202% | 1,107 |
| Efficiency ratio | 48.6361% | 7,223 |
| Assets per employee ($millions) | 5.8582% | 1,308 |
| Cash dividends to net income (ytd only)* | 15.4817% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4506% | 1,478 |
| Loan loss allowance to noncurrent loans | 93.7110% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 5,381 |
| Noncurrent loans to loans | 2.6151% | 2,910 |
| Net loans and leases to total assets | 27.0595% | 7,429 |
| Net loans and leases to deposits | 29.7716% | 7,463 |
| Net loans and leases to core deposits | 35.3927% | 7,396 |
| Total domestic deposits to total assets | 90.8903% | 657 |
| Equity capital to assets | 8.1127% | 6,369 |
| Core capital (leverage) ratio | 7.5599% | 6,654 |
| Tier 1 risk-based capital ratio | 19.2364% | 1,663 |
| Total risk-based capital ratio | 20.4940% | 1,631 |
| Memoranda: | ||
| Average total assets | $614,828,400 | 1,087 |
| Average earning assets | $590,820,200 | 1,025 |
| Average equity | $53,978,400 | 1,237 |
| Average total loans | $187,219,200 | 2,273 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 7,260 |
| Cost of funding earning assets | 0.9552% | 6,148 |
| Net interest margin | 3.0873% | 6,644 |
| Noninterest income to average assets | 0.3938% | 5,010 |
| Noninterest expense to average assets | 1.8083% | 7,318 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2229% | 1,530 |
| Return on assets (ROA) | 1.2770% | 1,475 |
| Pretax return on assets | 1.6224% | 1,289 |
| Return on Equity (ROE) | 14.2490% | 983 |
| Retained earnings to average equity (ytd only) | 14.2490% | 260 |
| Net charge-offs to loans | 0.3898% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 12.7781% | 1,649 |
| Efficiency ratio | 52.4758% | 6,936 |
| Assets per employee ($millions) | 5.8771% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 4,227 |
| Loan loss allowance to noncurrent loans | 281.4455% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 6,911 |
| Noncurrent loans to loans | 0.5137% | 6,171 |
| Net loans and leases to total assets | 27.5102% | 7,517 |
| Net loans and leases to deposits | 30.8164% | 7,551 |
| Net loans and leases to core deposits | 40.4281% | 7,419 |
| Total domestic deposits to total assets | 89.2714% | 1,242 |
| Equity capital to assets | 9.2877% | 5,165 |
| Core capital (leverage) ratio | 7.8678% | 6,498 |
| Tier 1 risk-based capital ratio | 19.4778% | 1,648 |
| Total risk-based capital ratio | 20.5379% | 1,655 |
| Memoranda: | ||
| Average total assets | $603,041,750 | 1,118 |
| Average earning assets | $579,826,000 | 1,045 |
| Average equity | $54,047,000 | 1,236 |
| Average total loans | $188,117,250 | 2,303 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 7,207 |
| Cost of funding earning assets | 1.0364% | 5,978 |
| Net interest margin | 3.1351% | 6,508 |
| Noninterest income to average assets | 0.4010% | 4,908 |
| Noninterest expense to average assets | 1.9311% | 7,210 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1752% | 1,627 |
| Return on assets (ROA) | 1.2342% | 1,531 |
| Pretax return on assets | 1.5512% | 1,432 |
| Return on Equity (ROE) | 13.9563% | 1,047 |
| Retained earnings to average equity (ytd only) | 13.9563% | 310 |
| Net charge-offs to loans | 0.5161% | 2,985 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 8.8374% | 2,088 |
| Efficiency ratio | 55.3285% | 6,723 |
| Assets per employee ($millions) | 5.4306% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 4,095 |
| Loan loss allowance to noncurrent loans | 261.2145% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 6,901 |
| Noncurrent loans to loans | 0.5606% | 6,129 |
| Net loans and leases to total assets | 29.2424% | 7,555 |
| Net loans and leases to deposits | 32.6356% | 7,600 |
| Net loans and leases to core deposits | 43.9591% | 7,403 |
| Total domestic deposits to total assets | 89.6029% | 1,124 |
| Equity capital to assets | 9.1192% | 5,266 |
| Core capital (leverage) ratio | 7.7610% | 6,545 |
| Tier 1 risk-based capital ratio | 18.0227% | 1,954 |
| Total risk-based capital ratio | 19.0740% | 1,966 |
| Memoranda: | ||
| Average total assets | $588,562,330 | 1,153 |
| Average earning assets | $564,640,330 | 1,083 |
| Average equity | $52,048,330 | 1,278 |
| Average total loans | $190,670,670 | 2,306 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 7,178 |
| Cost of funding earning assets | 1.1278% | 5,764 |
| Net interest margin | 3.1441% | 6,476 |
| Noninterest income to average assets | 0.3736% | 5,151 |
| Noninterest expense to average assets | 2.0624% | 7,033 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0735% | 1,921 |
| Return on assets (ROA) | 1.1916% | 1,635 |
| Pretax return on assets | 1.4673% | 1,601 |
| Return on Equity (ROE) | 13.7027% | 1,106 |
| Retained earnings to average equity (ytd only) | 13.7027% | 539 |
| Net charge-offs to loans | 0.3119% | 3,170 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 12.5197% | 1,559 |
| Efficiency ratio | 59.5937% | 6,246 |
| Assets per employee ($millions) | 5.2356% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 3,580 |
| Loan loss allowance to noncurrent loans | 154.0471% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 6,538 |
| Noncurrent loans to loans | 1.0181% | 5,294 |
| Net loans and leases to total assets | 31.8978% | 7,569 |
| Net loans and leases to deposits | 35.2982% | 7,636 |
| Net loans and leases to core deposits | 46.7560% | 7,403 |
| Total domestic deposits to total assets | 90.3667% | 791 |
| Equity capital to assets | 8.6384% | 5,820 |
| Core capital (leverage) ratio | 7.7714% | 6,537 |
| Tier 1 risk-based capital ratio | 17.0209% | 2,265 |
| Total risk-based capital ratio | 18.1910% | 2,231 |
| Memoranda: | ||
| Average total assets | $576,017,000 | 1,208 |
| Average earning assets | $551,517,500 | 1,133 |
| Average equity | $50,092,500 | 1,335 |
| Average total loans | $194,949,000 | 2,329 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8756% | 6,770 |
| Cost of funding earning assets | 1.4006% | 5,928 |
| Net interest margin | 3.4750% | 5,065 |
| Noninterest income to average assets | 0.4009% | 5,192 |
| Noninterest expense to average assets | 2.0796% | 7,228 |
| Loan and lease loss provision to assets | 0.1666% | 6,024 |
| Net operating income to assets | 1.1885% | 1,274 |
| Return on assets (ROA) | 1.2294% | 1,229 |
| Pretax return on assets | 1.5338% | 1,112 |
| Return on Equity (ROE) | 13.7858% | 822 |
| Retained earnings to average equity (ytd only) | 9.1483% | 477 |
| Net charge-offs to loans | 0.2457% | 5,083 |
| Credit loss provision to net charge-offs | 176.4706% | 2,374 |
| Earnings coverage of net charge-offs (x) | 17.4726% | 1,185 |
| Efficiency ratio | 54.4054% | 7,185 |
| Assets per employee ($millions) | 5.0487% | 2,158 |
| Cash dividends to net income (ytd only)* | 33.6396% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,301 |
| Loan loss allowance to noncurrent loans | 143.1355% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 6,431 |
| Noncurrent loans to loans | 1.1137% | 5,100 |
| Net loans and leases to total assets | 34.7990% | 7,569 |
| Net loans and leases to deposits | 38.8163% | 7,652 |
| Net loans and leases to core deposits | 66.5382% | 6,956 |
| Total domestic deposits to total assets | 89.6504% | 1,131 |
| Equity capital to assets | 8.7576% | 5,508 |
| Core capital (leverage) ratio | 7.1189% | 7,140 |
| Tier 1 risk-based capital ratio | 14.6402% | 3,136 |
| Total risk-based capital ratio | 15.8405% | 3,107 |
| Memoranda: | ||
| Average total assets | $522,304,800 | 1,315 |
| Average earning assets | $500,207,800 | 1,260 |
| Average equity | $46,577,000 | 1,449 |
| Average total loans | $200,683,200 | 2,294 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 6,783 |
| Cost of funding earning assets | 1.4382% | 6,088 |
| Net interest margin | 3.5060% | 4,840 |
| Noninterest income to average assets | 0.4098% | 5,215 |
| Noninterest expense to average assets | 2.1766% | 7,032 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2318% | 1,394 |
| Return on assets (ROA) | 1.2853% | 1,327 |
| Pretax return on assets | 1.6677% | 1,029 |
| Return on Equity (ROE) | 14.3422% | 869 |
| Retained earnings to average equity (ytd only) | 14.3422% | 179 |
| Net charge-offs to loans | 0.2066% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 19.7019% | 1,271 |
| Efficiency ratio | 56.2887% | 6,959 |
| Assets per employee ($millions) | 4.7337% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 4,575 |
| Loan loss allowance to noncurrent loans | 86.6971% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 6,138 |
| Noncurrent loans to loans | 1.4866% | 4,436 |
| Net loans and leases to total assets | 35.0546% | 7,650 |
| Net loans and leases to deposits | 39.3575% | 7,750 |
| Net loans and leases to core deposits | 68.2944% | 7,060 |
| Total domestic deposits to total assets | 89.0671% | 1,164 |
| Equity capital to assets | 9.5391% | 4,696 |
| Core capital (leverage) ratio | 8.1296% | 6,136 |
| Tier 1 risk-based capital ratio | 17.1272% | 2,239 |
| Total risk-based capital ratio | 18.1209% | 2,264 |
| Memoranda: | ||
| Average total assets | $512,779,250 | 1,357 |
| Average earning assets | $492,171,750 | 1,294 |
| Average equity | $45,951,750 | 1,488 |
| Average total loans | $201,310,250 | 2,306 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 6,735 |
| Cost of funding earning assets | 1.4768% | 6,235 |
| Net interest margin | 3.5324% | 4,647 |
| Noninterest income to average assets | 0.4236% | 5,092 |
| Noninterest expense to average assets | 2.2290% | 6,974 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2175% | 1,431 |
| Return on assets (ROA) | 1.2187% | 1,509 |
| Pretax return on assets | 1.5783% | 1,259 |
| Return on Equity (ROE) | 13.9197% | 1,006 |
| Retained earnings to average equity (ytd only) | 13.9197% | 262 |
| Net charge-offs to loans | 0.3012% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 12.8961% | 1,776 |
| Efficiency ratio | 57.1816% | 6,969 |
| Assets per employee ($millions) | 4.5191% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 4,806 |
| Loan loss allowance to noncurrent loans | 109.8579% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 6,357 |
| Noncurrent loans to loans | 1.1117% | 4,995 |
| Net loans and leases to total assets | 38.5042% | 7,623 |
| Net loans and leases to deposits | 42.6926% | 7,738 |
| Net loans and leases to core deposits | 69.8164% | 7,026 |
| Total domestic deposits to total assets | 90.1892% | 751 |
| Equity capital to assets | 8.8018% | 5,597 |
| Core capital (leverage) ratio | 8.0576% | 6,235 |
| Tier 1 risk-based capital ratio | 16.1196% | 2,583 |
| Total risk-based capital ratio | 17.1017% | 2,615 |
| Memoranda: | ||
| Average total assets | $503,824,330 | 1,411 |
| Average earning assets | $482,389,670 | 1,338 |
| Average equity | $44,110,000 | 1,547 |
| Average total loans | $204,533,670 | 2,301 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 6,706 |
| Cost of funding earning assets | 1.5465% | 6,251 |
| Net interest margin | 3.5339% | 4,596 |
| Noninterest income to average assets | 0.4477% | 4,798 |
| Noninterest expense to average assets | 2.1585% | 6,982 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2712% | 1,452 |
| Return on assets (ROA) | 1.2712% | 1,551 |
| Pretax return on assets | 1.6641% | 1,259 |
| Return on Equity (ROE) | 14.5609% | 1,062 |
| Retained earnings to average equity (ytd only) | 14.5609% | 464 |
| Net charge-offs to loans | 0.2530% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 15.8692% | 1,582 |
| Efficiency ratio | 55.0749% | 7,095 |
| Assets per employee ($millions) | 4.4668% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 4,069 |
| Loan loss allowance to noncurrent loans | 629.9287% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 7,341 |
| Noncurrent loans to loans | 0.2065% | 6,940 |
| Net loans and leases to total assets | 39.8594% | 7,578 |
| Net loans and leases to deposits | 44.1849% | 7,718 |
| Net loans and leases to core deposits | 71.6560% | 6,926 |
| Total domestic deposits to total assets | 90.2105% | 709 |
| Equity capital to assets | 8.7950% | 5,631 |
| Core capital (leverage) ratio | 7.8527% | 6,686 |
| Tier 1 risk-based capital ratio | 15.7673% | 2,765 |
| Total risk-based capital ratio | 16.8382% | 2,755 |
| Memoranda: | ||
| Average total assets | $495,890,500 | 1,431 |
| Average earning assets | $473,579,500 | 1,374 |
| Average equity | $43,294,000 | 1,577 |
| Average total loans | $205,512,000 | 2,309 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7384% | 6,650 |
| Cost of funding earning assets | 2.1439% | 5,863 |
| Net interest margin | 3.5945% | 4,915 |
| Noninterest income to average assets | 0.4622% | 4,948 |
| Noninterest expense to average assets | 2.1296% | 7,158 |
| Loan and lease loss provision to assets | 0.1815% | 5,082 |
| Net operating income to assets | 1.2464% | 1,638 |
| Return on assets (ROA) | 1.2756% | 1,505 |
| Pretax return on assets | 1.5944% | 1,396 |
| Return on Equity (ROE) | 14.3404% | 1,041 |
| Retained earnings to average equity (ytd only) | 7.3510% | 1,034 |
| Net charge-offs to loans | 0.0260% | 6,470 |
| Credit loss provision to net charge-offs | 1,617.3077% | 269 |
| Earnings coverage of net charge-offs (x) | 154.9615% | 295 |
| Efficiency ratio | 53.5569% | 7,320 |
| Assets per employee ($millions) | 4.3485% | 2,886 |
| Cash dividends to net income (ytd only)* | 48.7392% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 3,519 |
| Loan loss allowance to noncurrent loans | 683.5381% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 7,238 |
| Noncurrent loans to loans | 0.1964% | 6,805 |
| Net loans and leases to total assets | 41.9685% | 7,592 |
| Net loans and leases to deposits | 46.8485% | 7,757 |
| Net loans and leases to core deposits | 74.8220% | 6,918 |
| Total domestic deposits to total assets | 89.5835% | 817 |
| Equity capital to assets | 8.6638% | 5,856 |
| Core capital (leverage) ratio | 7.9870% | 6,517 |
| Tier 1 risk-based capital ratio | 14.6382% | 3,236 |
| Total risk-based capital ratio | 15.7247% | 3,222 |
| Memoranda: | ||
| Average total assets | $463,234,600 | 1,485 |
| Average earning assets | $439,062,200 | 1,425 |
| Average equity | $41,205,200 | 1,623 |
| Average total loans | $200,315,200 | 2,294 |