Home > FirstCapital Bank of Texas > Performance and Condition Ratios
FirstCapital Bank of Texas, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6888% | 466 |
| Cost of funding earning assets | 0.9831% | 2,103 |
| Net interest margin | 4.7057% | 435 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.1130% | 3,351 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.9594% | 525 |
| Return on assets (ROA) | 1.5942% | 990 |
| Pretax return on assets | 2.0025% | 779 |
| Return on Equity (ROE) | 12.3800% | 2,119 |
| Retained earnings to average equity (ytd only) | 1.5453% | 3,777 |
| Net charge-offs to loans | -0.0024% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.8830% | 4,275 |
| Assets per employee ($millions) | 9.1049% | 902 |
| Cash dividends to net income (ytd only)* | 87.5146% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,359 |
| Loan loss allowance to noncurrent loans | 124.1868% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 460 |
| Noncurrent loans to loans | 1.1863% | 585 |
| Net loans and leases to total assets | 76.1400% | 960 |
| Net loans and leases to deposits | 94.7400% | 734 |
| Net loans and leases to core deposits | 103.6328% | 939 |
| Total domestic deposits to total assets | 80.3600% | 3,721 |
| Equity capital to assets | 13.0343% | 752 |
| Core capital (leverage) ratio | 10.8935% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,150,299,000 | 527 |
| Average earning assets | $1,955,349,000 | 533 |
| Average equity | $276,971,000 | 421 |
| Average total loans | $1,646,152,500 | 473 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 300 |
| Cost of funding earning assets | 0.3817% | 2,246 |
| Net interest margin | 4.6153% | 241 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.2576% | 2,870 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.9015% | 354 |
| Return on assets (ROA) | 1.9015% | 344 |
| Pretax return on assets | 2.3876% | 238 |
| Return on Equity (ROE) | 15.2200% | 1,208 |
| Retained earnings to average equity (ytd only) | 9.9561% | 1,169 |
| Net charge-offs to loans | 0.0628% | 1,021 |
| Credit loss provision to net charge-offs | 65.2610% | 1,747 |
| Earnings coverage of net charge-offs (x) | 51.6888% | 1,335 |
| Efficiency ratio | 47.4931% | 4,273 |
| Assets per employee ($millions) | 8.8563% | 961 |
| Cash dividends to net income (ytd only)* | 34.5824% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 1,662 |
| Loan loss allowance to noncurrent loans | 195.5270% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 959 |
| Noncurrent loans to loans | 0.6930% | 1,082 |
| Net loans and leases to total assets | 74.8100% | 1,145 |
| Net loans and leases to deposits | 89.6991% | 1,073 |
| Net loans and leases to core deposits | 96.3551% | 1,186 |
| Total domestic deposits to total assets | 83.4000% | 3,336 |
| Equity capital to assets | 12.7284% | 761 |
| Core capital (leverage) ratio | 10.6341% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,128,977,800 | 522 |
| Average earning assets | $1,940,070,400 | 517 |
| Average equity | $265,999,000 | 421 |
| Average total loans | $1,586,361,000 | 453 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 305 |
| Cost of funding earning assets | 0.2779% | 2,407 |
| Net interest margin | 4.4869% | 245 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.2976% | 2,634 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.7884% | 440 |
| Return on assets (ROA) | 1.7884% | 430 |
| Pretax return on assets | 2.2475% | 297 |
| Return on Equity (ROE) | 14.3800% | 1,331 |
| Retained earnings to average equity (ytd only) | 11.3490% | 954 |
| Net charge-offs to loans | 0.0651% | 838 |
| Credit loss provision to net charge-offs | 78.1250% | 1,426 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 1,313 |
| Efficiency ratio | 49.3217% | 4,197 |
| Assets per employee ($millions) | 8.4975% | 1,065 |
| Cash dividends to net income (ytd only)* | 21.0904% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 1,703 |
| Loan loss allowance to noncurrent loans | 177.0326% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 920 |
| Noncurrent loans to loans | 0.7751% | 1,044 |
| Net loans and leases to total assets | 73.1000% | 1,172 |
| Net loans and leases to deposits | 87.0260% | 1,100 |
| Net loans and leases to core deposits | 93.2558% | 1,132 |
| Total domestic deposits to total assets | 84.0000% | 3,509 |
| Equity capital to assets | 12.3253% | 813 |
| Core capital (leverage) ratio | 10.5781% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,120,986,250 | 523 |
| Average earning assets | $1,933,035,250 | 520 |
| Average equity | $263,735,250 | 427 |
| Average total loans | $1,573,232,500 | 453 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 318 |
| Cost of funding earning assets | 0.1959% | 2,971 |
| Net interest margin | 4.3918% | 230 |
| Noninterest income to average assets | 0.5309% | 2,037 |
| Noninterest expense to average assets | 2.2966% | 2,557 |
| Loan and lease loss provision to assets | 0.0430% | 1,794 |
| Net operating income to assets | 1.7457% | 385 |
| Return on assets (ROA) | 1.7457% | 379 |
| Pretax return on assets | 2.1926% | 253 |
| Return on Equity (ROE) | 13.9963% | 1,116 |
| Retained earnings to average equity (ytd only) | 9.4026% | 1,176 |
| Net charge-offs to loans | 0.0740% | 719 |
| Credit loss provision to net charge-offs | 78.2609% | 1,391 |
| Earnings coverage of net charge-offs (x) | 40.7148% | 1,249 |
| Efficiency ratio | 49.8304% | 4,257 |
| Assets per employee ($millions) | 8.2454% | 1,179 |
| Cash dividends to net income (ytd only)* | 32.8210% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,708 |
| Loan loss allowance to noncurrent loans | 163.3787% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 847 |
| Noncurrent loans to loans | 0.8639% | 985 |
| Net loans and leases to total assets | 73.9208% | 927 |
| Net loans and leases to deposits | 87.9324% | 837 |
| Net loans and leases to core deposits | 93.1682% | 962 |
| Total domestic deposits to total assets | 84.0655% | 3,678 |
| Equity capital to assets | 12.4405% | 775 |
| Core capital (leverage) ratio | 10.5168% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,094,366,667 | 519 |
| Average earning assets | $1,908,138,333 | 529 |
| Average equity | $261,227,000 | 431 |
| Average total loans | $1,553,915,000 | 449 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 305 |
| Cost of funding earning assets | 0.1832% | 3,045 |
| Net interest margin | 4.3351% | 224 |
| Noninterest income to average assets | 0.4647% | 2,333 |
| Noninterest expense to average assets | 2.2388% | 2,725 |
| Loan and lease loss provision to assets | 0.0576% | 1,361 |
| Net operating income to assets | 1.6930% | 419 |
| Return on assets (ROA) | 1.6930% | 422 |
| Pretax return on assets | 2.1237% | 287 |
| Return on Equity (ROE) | 13.5554% | 919 |
| Retained earnings to average equity (ytd only) | 8.9405% | 1,283 |
| Net charge-offs to loans | 0.0893% | 565 |
| Credit loss provision to net charge-offs | 87.4636% | 1,090 |
| Earnings coverage of net charge-offs (x) | 33.1020% | 1,088 |
| Efficiency ratio | 49.7501% | 4,323 |
| Assets per employee ($millions) | 8.1635% | 1,276 |
| Cash dividends to net income (ytd only)* | 34.0445% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 1,690 |
| Loan loss allowance to noncurrent loans | 361.0683% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 1,756 |
| Noncurrent loans to loans | 0.4035% | 2,050 |
| Net loans and leases to total assets | 71.7225% | 861 |
| Net loans and leases to deposits | 84.9646% | 810 |
| Net loans and leases to core deposits | 89.9018% | 929 |
| Total domestic deposits to total assets | 84.4145% | 3,670 |
| Equity capital to assets | 12.3055% | 859 |
| Core capital (leverage) ratio | 10.2507% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,082,011,500 | 527 |
| Average earning assets | $1,899,678,000 | 538 |
| Average equity | $260,029,000 | 440 |
| Average total loans | $1,536,439,500 | 452 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 301 |
| Cost of funding earning assets | 0.2196% | 3,260 |
| Net interest margin | 4.6811% | 209 |
| Noninterest income to average assets | 0.3309% | 3,435 |
| Noninterest expense to average assets | 2.7120% | 1,605 |
| Loan and lease loss provision to assets | 0.1511% | 796 |
| Net operating income to assets | 1.3724% | 1,367 |
| Return on assets (ROA) | 1.3766% | 1,405 |
| Pretax return on assets | 1.7259% | 1,083 |
| Return on Equity (ROE) | 10.6347% | 2,297 |
| Retained earnings to average equity (ytd only) | 6.5594% | 2,100 |
| Net charge-offs to loans | 0.0795% | 1,009 |
| Credit loss provision to net charge-offs | 245.5980% | 1,180 |
| Earnings coverage of net charge-offs (x) | 30.4228% | 1,595 |
| Efficiency ratio | 58.1595% | 3,422 |
| Assets per employee ($millions) | 8.1012% | 1,276 |
| Cash dividends to net income (ytd only)* | 38.3208% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 1,648 |
| Loan loss allowance to noncurrent loans | 252.5703% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 1,379 |
| Noncurrent loans to loans | 0.5843% | 1,677 |
| Net loans and leases to total assets | 73.7444% | 685 |
| Net loans and leases to deposits | 87.7585% | 667 |
| Net loans and leases to core deposits | 93.4147% | 811 |
| Total domestic deposits to total assets | 84.0311% | 3,555 |
| Equity capital to assets | 12.6805% | 1,002 |
| Core capital (leverage) ratio | 10.2757% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,957,062,800 | 545 |
| Average earning assets | $1,778,008,400 | 550 |
| Average equity | $253,331,800 | 440 |
| Average total loans | $1,514,114,200 | 468 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 303 |
| Cost of funding earning assets | 0.2284% | 3,341 |
| Net interest margin | 4.7598% | 208 |
| Noninterest income to average assets | 0.3158% | 3,531 |
| Noninterest expense to average assets | 2.5258% | 2,051 |
| Loan and lease loss provision to assets | 0.1843% | 578 |
| Net operating income to assets | 1.5310% | 1,191 |
| Return on assets (ROA) | 1.5367% | 1,225 |
| Pretax return on assets | 1.9329% | 893 |
| Return on Equity (ROE) | 11.8080% | 2,115 |
| Retained earnings to average equity (ytd only) | 7.9322% | 2,073 |
| Net charge-offs to loans | 0.0897% | 802 |
| Credit loss provision to net charge-offs | 263.2874% | 1,066 |
| Earnings coverage of net charge-offs (x) | 30.1545% | 1,520 |
| Efficiency ratio | 53.4593% | 3,874 |
| Assets per employee ($millions) | 7.7349% | 1,423 |
| Cash dividends to net income (ytd only)* | 32.8239% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,770 |
| Loan loss allowance to noncurrent loans | 204.7780% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 1,317 |
| Noncurrent loans to loans | 0.7146% | 1,556 |
| Net loans and leases to total assets | 76.0750% | 548 |
| Net loans and leases to deposits | 91.2405% | 529 |
| Net loans and leases to core deposits | 97.3800% | 680 |
| Total domestic deposits to total assets | 83.3785% | 3,615 |
| Equity capital to assets | 12.9539% | 993 |
| Core capital (leverage) ratio | 10.3966% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,935,953,000 | 555 |
| Average earning assets | $1,757,071,750 | 563 |
| Average equity | $251,946,750 | 445 |
| Average total loans | $1,510,631,500 | 475 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 355 |
| Cost of funding earning assets | 0.2386% | 3,392 |
| Net interest margin | 4.7349% | 244 |
| Noninterest income to average assets | 0.3052% | 3,605 |
| Noninterest expense to average assets | 2.5026% | 2,133 |
| Loan and lease loss provision to assets | 0.1490% | 802 |
| Net operating income to assets | 1.5525% | 1,164 |
| Return on assets (ROA) | 1.5646% | 1,195 |
| Pretax return on assets | 1.9677% | 886 |
| Return on Equity (ROE) | 12.0035% | 2,067 |
| Retained earnings to average equity (ytd only) | 12.0035% | 918 |
| Net charge-offs to loans | 0.0405% | 1,229 |
| Credit loss provision to net charge-offs | 470.0658% | 701 |
| Earnings coverage of net charge-offs (x) | 66.3158% | 925 |
| Efficiency ratio | 53.2965% | 3,887 |
| Assets per employee ($millions) | 7.4656% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,834 |
| Loan loss allowance to noncurrent loans | 173.2849% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 1,223 |
| Noncurrent loans to loans | 0.8279% | 1,482 |
| Net loans and leases to total assets | 76.7144% | 527 |
| Net loans and leases to deposits | 91.2979% | 577 |
| Net loans and leases to core deposits | 98.7326% | 696 |
| Total domestic deposits to total assets | 84.0265% | 3,431 |
| Equity capital to assets | 13.1177% | 911 |
| Core capital (leverage) ratio | 10.3347% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,918,644,000 | 553 |
| Average earning assets | $1,741,941,000 | 559 |
| Average equity | $250,093,333 | 447 |
| Average total loans | $1,502,596,333 | 480 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 413 |
| Cost of funding earning assets | 0.2581% | 3,396 |
| Net interest margin | 4.6427% | 294 |
| Noninterest income to average assets | 0.2867% | 3,690 |
| Noninterest expense to average assets | 2.4737% | 2,250 |
| Loan and lease loss provision to assets | 0.1816% | 678 |
| Net operating income to assets | 1.4661% | 1,401 |
| Return on assets (ROA) | 1.4840% | 1,429 |
| Pretax return on assets | 1.8647% | 1,168 |
| Return on Equity (ROE) | 11.4223% | 2,216 |
| Retained earnings to average equity (ytd only) | 11.4223% | 1,291 |
| Net charge-offs to loans | -0.0271% | 4,128 |
| Credit loss provision to net charge-offs | -852.4752% | 3,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8833% | 3,797 |
| Assets per employee ($millions) | 7.4124% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 1,869 |
| Loan loss allowance to noncurrent loans | 144.6875% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 1,102 |
| Noncurrent loans to loans | 0.9829% | 1,370 |
| Net loans and leases to total assets | 77.3731% | 510 |
| Net loans and leases to deposits | 91.8717% | 602 |
| Net loans and leases to core deposits | 102.3524% | 621 |
| Total domestic deposits to total assets | 84.2186% | 3,364 |
| Equity capital to assets | 12.8114% | 967 |
| Core capital (leverage) ratio | 10.4329% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,896,242,500 | 557 |
| Average earning assets | $1,719,952,500 | 558 |
| Average equity | $246,360,000 | 450 |
| Average total loans | $1,489,809,000 | 483 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 364 |
| Cost of funding earning assets | 0.5837% | 2,421 |
| Net interest margin | 4.5719% | 282 |
| Noninterest income to average assets | 0.3183% | 3,558 |
| Noninterest expense to average assets | 2.5504% | 2,693 |
| Loan and lease loss provision to assets | 0.5367% | 424 |
| Net operating income to assets | 1.0830% | 1,977 |
| Return on assets (ROA) | 1.0815% | 2,120 |
| Pretax return on assets | 1.3475% | 1,826 |
| Return on Equity (ROE) | 8.2097% | 2,733 |
| Retained earnings to average equity (ytd only) | 1.5334% | 4,021 |
| Net charge-offs to loans | 0.2973% | 584 |
| Credit loss provision to net charge-offs | 234.6875% | 1,997 |
| Earnings coverage of net charge-offs (x) | 8.2481% | 2,617 |
| Efficiency ratio | 56.1975% | 3,963 |
| Assets per employee ($millions) | 6.8008% | 1,709 |
| Cash dividends to net income (ytd only)* | 81.3215% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,829 |
| Loan loss allowance to noncurrent loans | 130.5650% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9060% | 1,090 |
| Noncurrent loans to loans | 1.0990% | 1,293 |
| Net loans and leases to total assets | 77.5194% | 645 |
| Net loans and leases to deposits | 92.4590% | 748 |
| Net loans and leases to core deposits | 103.7167% | 741 |
| Total domestic deposits to total assets | 83.8419% | 3,156 |
| Equity capital to assets | 13.1830% | 1,028 |
| Core capital (leverage) ratio | 10.0794% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,819,222,800 | 523 |
| Average earning assets | $1,638,695,400 | 531 |
| Average equity | $239,656,200 | 438 |
| Average total loans | $1,399,285,600 | 476 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1159% | 485 |
| Cost of funding earning assets | 0.6566% | 2,290 |
| Net interest margin | 4.4593% | 424 |
| Noninterest income to average assets | 0.3185% | 3,582 |
| Noninterest expense to average assets | 2.5163% | 2,789 |
| Loan and lease loss provision to assets | 0.5881% | 435 |
| Net operating income to assets | 0.9869% | 2,382 |
| Return on assets (ROA) | 0.9772% | 2,563 |
| Pretax return on assets | 1.2149% | 2,345 |
| Return on Equity (ROE) | 7.4193% | 3,039 |
| Retained earnings to average equity (ytd only) | 1.8367% | 3,986 |
| Net charge-offs to loans | 0.4509% | 341 |
| Credit loss provision to net charge-offs | 170.5330% | 2,231 |
| Earnings coverage of net charge-offs (x) | 5.2635% | 2,748 |
| Efficiency ratio | 56.7454% | 3,826 |
| Assets per employee ($millions) | 6.8544% | 1,591 |
| Cash dividends to net income (ytd only)* | 75.2445% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,476 |
| Loan loss allowance to noncurrent loans | 158.9281% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 1,773 |
| Noncurrent loans to loans | 0.7766% | 1,873 |
| Net loans and leases to total assets | 78.2704% | 799 |
| Net loans and leases to deposits | 97.4998% | 658 |
| Net loans and leases to core deposits | 105.5899% | 862 |
| Total domestic deposits to total assets | 80.2775% | 3,803 |
| Equity capital to assets | 12.8271% | 1,260 |
| Core capital (leverage) ratio | 9.9677% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,813,275,500 | 515 |
| Average earning assets | $1,631,793,250 | 524 |
| Average equity | $238,829,000 | 431 |
| Average total loans | $1,386,734,500 | 475 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2127% | 556 |
| Cost of funding earning assets | 0.7530% | 2,102 |
| Net interest margin | 4.4597% | 548 |
| Noninterest income to average assets | 0.3613% | 3,318 |
| Noninterest expense to average assets | 2.5632% | 2,789 |
| Loan and lease loss provision to assets | 0.5569% | 594 |
| Net operating income to assets | 1.0038% | 2,313 |
| Return on assets (ROA) | 1.0038% | 2,437 |
| Pretax return on assets | 1.2434% | 2,207 |
| Return on Equity (ROE) | 7.5512% | 2,917 |
| Retained earnings to average equity (ytd only) | -0.8680% | 4,457 |
| Net charge-offs to loans | 0.3993% | 397 |
| Credit loss provision to net charge-offs | 184.7068% | 1,982 |
| Earnings coverage of net charge-offs (x) | 5.9710% | 2,475 |
| Efficiency ratio | 57.3598% | 3,770 |
| Assets per employee ($millions) | 6.8089% | 1,554 |
| Cash dividends to net income (ytd only)* | 111.4951% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,554 |
| Loan loss allowance to noncurrent loans | 156.8518% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 1,872 |
| Noncurrent loans to loans | 0.7609% | 1,977 |
| Net loans and leases to total assets | 76.1651% | 1,110 |
| Net loans and leases to deposits | 93.4250% | 1,013 |
| Net loans and leases to core deposits | 102.3223% | 1,094 |
| Total domestic deposits to total assets | 81.5254% | 3,490 |
| Equity capital to assets | 12.5451% | 1,357 |
| Core capital (leverage) ratio | 9.7709% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,787,097,000 | 515 |
| Average earning assets | $1,603,740,333 | 524 |
| Average equity | $237,550,667 | 426 |
| Average total loans | $1,349,235,333 | 483 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4998% | 378 |
| Cost of funding earning assets | 0.9044% | 1,840 |
| Net interest margin | 4.5954% | 418 |
| Noninterest income to average assets | 0.4342% | 2,884 |
| Noninterest expense to average assets | 2.6986% | 2,706 |
| Loan and lease loss provision to assets | 0.3337% | 925 |
| Net operating income to assets | 1.2195% | 1,453 |
| Return on assets (ROA) | 1.2195% | 1,564 |
| Pretax return on assets | 1.5047% | 1,293 |
| Return on Equity (ROE) | 8.9000% | 2,154 |
| Retained earnings to average equity (ytd only) | -7.9657% | 4,689 |
| Net charge-offs to loans | 0.0207% | 1,954 |
| Credit loss provision to net charge-offs | 2,155.2239% | 324 |
| Earnings coverage of net charge-offs (x) | 118.7313% | 515 |
| Efficiency ratio | 58.0837% | 3,986 |
| Assets per employee ($millions) | 6.1537% | 1,555 |
| Cash dividends to net income (ytd only)* | 189.5016% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,250 |
| Loan loss allowance to noncurrent loans | 112.4890% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9022% | 1,483 |
| Noncurrent loans to loans | 1.1351% | 1,464 |
| Net loans and leases to total assets | 74.0997% | 1,586 |
| Net loans and leases to deposits | 89.0838% | 1,628 |
| Net loans and leases to core deposits | 99.3298% | 1,529 |
| Total domestic deposits to total assets | 83.1798% | 3,048 |
| Equity capital to assets | 13.6020% | 1,179 |
| Core capital (leverage) ratio | 10.4301% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,730,802,500 | 517 |
| Average earning assets | $1,545,291,000 | 521 |
| Average equity | $237,167,500 | 428 |
| Average total loans | $1,291,665,500 | 481 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 642 |
| Cost of funding earning assets | 0.8443% | 2,461 |
| Net interest margin | 4.5780% | 601 |
| Noninterest income to average assets | 0.3538% | 3,585 |
| Noninterest expense to average assets | 2.7566% | 2,730 |
| Loan and lease loss provision to assets | 0.1799% | 1,158 |
| Net operating income to assets | 1.2278% | 1,955 |
| Return on assets (ROA) | 1.2419% | 1,982 |
| Pretax return on assets | 1.5563% | 1,629 |
| Return on Equity (ROE) | 9.3632% | 2,581 |
| Retained earnings to average equity (ytd only) | 4.8519% | 2,497 |
| Net charge-offs to loans | 0.1102% | 1,629 |
| Credit loss provision to net charge-offs | 211.0955% | 1,261 |
| Earnings coverage of net charge-offs (x) | 20.1713% | 1,951 |
| Efficiency ratio | 60.2607% | 3,653 |
| Assets per employee ($millions) | 6.1216% | 1,542 |
| Cash dividends to net income (ytd only)* | 48.1812% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,531 |
| Loan loss allowance to noncurrent loans | 167.2279% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 2,119 |
| Noncurrent loans to loans | 0.7069% | 2,106 |
| Net loans and leases to total assets | 73.3218% | 1,871 |
| Net loans and leases to deposits | 87.9349% | 1,856 |
| Net loans and leases to core deposits | 99.8023% | 1,579 |
| Total domestic deposits to total assets | 83.3819% | 3,077 |
| Equity capital to assets | 13.8033% | 1,166 |
| Core capital (leverage) ratio | 10.9194% | 2,575 |
| Tier 1 risk-based capital ratio | 12.2641% | 4,208 |
| Total risk-based capital ratio | 13.3335% | 4,196 |
| Memoranda: | ||
| Average total assets | $1,671,287,400 | 509 |
| Average earning assets | $1,504,617,000 | 514 |
| Average equity | $221,664,800 | 434 |
| Average total loans | $1,292,623,800 | 468 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 784 |
| Cost of funding earning assets | 0.8089% | 2,667 |
| Net interest margin | 4.5377% | 706 |
| Noninterest income to average assets | 0.3565% | 3,591 |
| Noninterest expense to average assets | 2.8283% | 2,480 |
| Loan and lease loss provision to assets | 0.1684% | 1,101 |
| Net operating income to assets | 1.1644% | 2,319 |
| Return on assets (ROA) | 1.1833% | 2,338 |
| Pretax return on assets | 1.4794% | 2,022 |
| Return on Equity (ROE) | 9.0184% | 2,883 |
| Retained earnings to average equity (ytd only) | 2.8822% | 3,940 |
| Net charge-offs to loans | 0.1312% | 1,213 |
| Credit loss provision to net charge-offs | 164.2072% | 1,528 |
| Earnings coverage of net charge-offs (x) | 15.8352% | 2,168 |
| Efficiency ratio | 62.2292% | 3,293 |
| Assets per employee ($millions) | 6.0611% | 1,564 |
| Cash dividends to net income (ytd only)* | 68.0411% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 3,086 |
| Loan loss allowance to noncurrent loans | 112.0149% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 1,652 |
| Noncurrent loans to loans | 0.9717% | 1,645 |
| Net loans and leases to total assets | 77.5573% | 1,216 |
| Net loans and leases to deposits | 94.5278% | 1,168 |
| Net loans and leases to core deposits | 105.6031% | 1,214 |
| Total domestic deposits to total assets | 82.0471% | 3,466 |
| Equity capital to assets | 13.7822% | 1,241 |
| Core capital (leverage) ratio | 10.9147% | 2,722 |
| Tier 1 risk-based capital ratio | 11.7482% | 4,548 |
| Total risk-based capital ratio | 12.7547% | 4,564 |
| Memoranda: | ||
| Average total assets | $1,655,990,500 | 516 |
| Average earning assets | $1,494,804,500 | 517 |
| Average equity | $217,284,250 | 447 |
| Average total loans | $1,294,420,500 | 469 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4829% | 585 |
| Cost of funding earning assets | 0.8211% | 2,543 |
| Net interest margin | 4.6619% | 535 |
| Noninterest income to average assets | 0.3845% | 3,369 |
| Noninterest expense to average assets | 3.2876% | 1,305 |
| Loan and lease loss provision to assets | 0.0937% | 1,975 |
| Net operating income to assets | 1.0540% | 2,707 |
| Return on assets (ROA) | 1.0958% | 2,607 |
| Pretax return on assets | 1.3678% | 2,310 |
| Return on Equity (ROE) | 10.5357% | 2,160 |
| Retained earnings to average equity (ytd only) | 1.9547% | 4,126 |
| Net charge-offs to loans | 0.0408% | 2,076 |
| Credit loss provision to net charge-offs | 293.2961% | 919 |
| Earnings coverage of net charge-offs (x) | 44.1061% | 1,186 |
| Efficiency ratio | 69.8818% | 2,240 |
| Assets per employee ($millions) | 5.4697% | 1,994 |
| Cash dividends to net income (ytd only)* | 81.4465% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 1,162 |
| Loan loss allowance to noncurrent loans | 162.9128% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 1,860 |
| Noncurrent loans to loans | 0.9447% | 1,722 |
| Net loans and leases to total assets | 78.1277% | 1,198 |
| Net loans and leases to deposits | 95.1222% | 1,138 |
| Net loans and leases to core deposits | 104.2609% | 1,365 |
| Total domestic deposits to total assets | 82.1340% | 3,475 |
| Equity capital to assets | 10.3821% | 3,623 |
| Core capital (leverage) ratio | 10.5231% | 3,061 |
| Tier 1 risk-based capital ratio | 11.8799% | 4,486 |
| Total risk-based capital ratio | 13.1322% | 4,363 |
| Memoranda: | ||
| Average total assets | $1,120,467,670 | 702 |
| Average earning assets | $1,036,453,330 | 701 |
| Average equity | $116,537,330 | 768 |
| Average total loans | $878,133,670 | 661 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 649 |
| Cost of funding earning assets | 0.7279% | 2,898 |
| Net interest margin | 4.6612% | 539 |
| Noninterest income to average assets | 0.3863% | 3,283 |
| Noninterest expense to average assets | 3.3223% | 1,244 |
| Loan and lease loss provision to assets | 0.0920% | 1,881 |
| Net operating income to assets | 1.0405% | 2,692 |
| Return on assets (ROA) | 1.0405% | 2,734 |
| Pretax return on assets | 1.2904% | 2,495 |
| Return on Equity (ROE) | 9.9945% | 2,375 |
| Retained earnings to average equity (ytd only) | -7.3270% | 5,015 |
| Net charge-offs to loans | 0.0496% | 1,574 |
| Credit loss provision to net charge-offs | 238.3178% | 953 |
| Earnings coverage of net charge-offs (x) | 35.8224% | 1,226 |
| Efficiency ratio | 70.5021% | 2,264 |
| Assets per employee ($millions) | 5.2427% | 2,238 |
| Cash dividends to net income (ytd only)* | 173.3102% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 1,132 |
| Loan loss allowance to noncurrent loans | 96.0162% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 996 |
| Noncurrent loans to loans | 1.6331% | 968 |
| Net loans and leases to total assets | 78.8400% | 1,010 |
| Net loans and leases to deposits | 90.5312% | 1,565 |
| Net loans and leases to core deposits | 98.8847% | 1,717 |
| Total domestic deposits to total assets | 87.0860% | 1,766 |
| Equity capital to assets | 10.4628% | 3,378 |
| Core capital (leverage) ratio | 10.3495% | 3,220 |
| Tier 1 risk-based capital ratio | 11.9746% | 4,474 |
| Total risk-based capital ratio | 13.2274% | 4,365 |
| Memoranda: | ||
| Average total assets | $1,109,120,000 | 714 |
| Average earning assets | $1,027,554,000 | 712 |
| Average equity | $115,464,000 | 771 |
| Average total loans | $863,657,000 | 675 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 982 |
| Cost of funding earning assets | 0.5418% | 3,100 |
| Net interest margin | 4.4893% | 781 |
| Noninterest income to average assets | 0.5019% | 2,827 |
| Noninterest expense to average assets | 3.0550% | 1,906 |
| Loan and lease loss provision to assets | 0.1131% | 1,947 |
| Net operating income to assets | 1.2356% | 2,029 |
| Return on assets (ROA) | 1.2356% | 2,019 |
| Pretax return on assets | 1.5083% | 1,755 |
| Return on Equity (ROE) | 12.3120% | 1,610 |
| Retained earnings to average equity (ytd only) | 6.9656% | 1,684 |
| Net charge-offs to loans | 0.0554% | 2,350 |
| Credit loss provision to net charge-offs | 281.1111% | 1,079 |
| Earnings coverage of net charge-offs (x) | 40.2911% | 1,296 |
| Efficiency ratio | 65.2114% | 2,999 |
| Assets per employee ($millions) | 5.2700% | 2,179 |
| Cash dividends to net income (ytd only)* | 43.4248% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 1,027 |
| Loan loss allowance to noncurrent loans | 92.7321% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.3079% | 971 |
| Noncurrent loans to loans | 1.7278% | 834 |
| Net loans and leases to total assets | 74.4817% | 1,848 |
| Net loans and leases to deposits | 85.0780% | 2,394 |
| Net loans and leases to core deposits | 92.8367% | 2,336 |
| Total domestic deposits to total assets | 87.5452% | 1,511 |
| Equity capital to assets | 10.3593% | 3,319 |
| Core capital (leverage) ratio | 10.4729% | 3,062 |
| Tier 1 risk-based capital ratio | 12.5984% | 4,077 |
| Total risk-based capital ratio | 13.8514% | 3,955 |
| Memoranda: | ||
| Average total assets | $1,118,240,400 | 688 |
| Average earning assets | $1,039,829,600 | 676 |
| Average equity | $112,223,600 | 763 |
| Average total loans | $812,230,400 | 691 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 1,030 |
| Cost of funding earning assets | 0.5010% | 3,191 |
| Net interest margin | 4.4545% | 813 |
| Noninterest income to average assets | 0.4732% | 3,024 |
| Noninterest expense to average assets | 3.0178% | 1,965 |
| Loan and lease loss provision to assets | 0.0806% | 2,340 |
| Net operating income to assets | 1.2257% | 2,142 |
| Return on assets (ROA) | 1.2257% | 2,139 |
| Pretax return on assets | 1.5182% | 1,844 |
| Return on Equity (ROE) | 12.3129% | 1,676 |
| Retained earnings to average equity (ytd only) | 8.7162% | 1,337 |
| Net charge-offs to loans | 0.0772% | 1,749 |
| Credit loss provision to net charge-offs | 145.1613% | 1,757 |
| Earnings coverage of net charge-offs (x) | 28.8088% | 1,650 |
| Efficiency ratio | 65.2500% | 2,996 |
| Assets per employee ($millions) | 5.2701% | 2,153 |
| Cash dividends to net income (ytd only)* | 29.2113% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 1,152 |
| Loan loss allowance to noncurrent loans | 104.4816% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1289% | 1,261 |
| Noncurrent loans to loans | 1.5027% | 1,086 |
| Net loans and leases to total assets | 72.6529% | 2,224 |
| Net loans and leases to deposits | 82.6873% | 2,744 |
| Net loans and leases to core deposits | 90.4694% | 2,620 |
| Total domestic deposits to total assets | 87.8646% | 1,299 |
| Equity capital to assets | 10.2640% | 3,384 |
| Core capital (leverage) ratio | 10.3467% | 3,240 |
| Tier 1 risk-based capital ratio | 12.8723% | 3,980 |
| Total risk-based capital ratio | 14.1250% | 3,881 |
| Memoranda: | ||
| Average total assets | $1,117,171,500 | 685 |
| Average earning assets | $1,039,138,250 | 677 |
| Average equity | $111,208,250 | 764 |
| Average total loans | $802,867,250 | 693 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 1,048 |
| Cost of funding earning assets | 0.4501% | 3,360 |
| Net interest margin | 4.4375% | 789 |
| Noninterest income to average assets | 0.4775% | 2,990 |
| Noninterest expense to average assets | 2.9723% | 2,127 |
| Loan and lease loss provision to assets | 0.0628% | 2,648 |
| Net operating income to assets | 1.2618% | 1,931 |
| Return on assets (ROA) | 1.2618% | 1,932 |
| Pretax return on assets | 1.5631% | 1,628 |
| Return on Equity (ROE) | 12.8095% | 1,440 |
| Retained earnings to average equity (ytd only) | 7.3486% | 1,902 |
| Net charge-offs to loans | -0.0013% | 3,909 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5244% | 3,242 |
| Assets per employee ($millions) | 5.4833% | 1,897 |
| Cash dividends to net income (ytd only)* | 42.6318% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 1,075 |
| Loan loss allowance to noncurrent loans | 579.9824% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 3,891 |
| Noncurrent loans to loans | 0.2782% | 3,711 |
| Net loans and leases to total assets | 71.7016% | 2,326 |
| Net loans and leases to deposits | 81.4885% | 2,818 |
| Net loans and leases to core deposits | 88.7827% | 2,658 |
| Total domestic deposits to total assets | 87.9899% | 1,387 |
| Equity capital to assets | 10.0259% | 3,599 |
| Core capital (leverage) ratio | 10.2887% | 3,249 |
| Tier 1 risk-based capital ratio | 12.7531% | 4,037 |
| Total risk-based capital ratio | 14.0063% | 3,938 |
| Memoranda: | ||
| Average total assets | $1,115,382,670 | 688 |
| Average earning assets | $1,035,713,000 | 682 |
| Average equity | $109,872,000 | 773 |
| Average total loans | $794,301,330 | 699 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7881% | 1,106 |
| Cost of funding earning assets | 0.4154% | 3,477 |
| Net interest margin | 4.3727% | 811 |
| Noninterest income to average assets | 0.4917% | 2,857 |
| Noninterest expense to average assets | 3.0236% | 2,019 |
| Loan and lease loss provision to assets | 0.0539% | 2,693 |
| Net operating income to assets | 1.1995% | 2,006 |
| Return on assets (ROA) | 1.1995% | 2,019 |
| Pretax return on assets | 1.4818% | 1,722 |
| Return on Equity (ROE) | 12.2869% | 1,480 |
| Retained earnings to average equity (ytd only) | 1.2508% | 4,563 |
| Net charge-offs to loans | -0.0046% | 3,979 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1993% | 3,124 |
| Assets per employee ($millions) | 5.3746% | 2,068 |
| Cash dividends to net income (ytd only)* | 89.8204% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 1,076 |
| Loan loss allowance to noncurrent loans | 521.6586% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 3,989 |
| Noncurrent loans to loans | 0.3143% | 3,640 |
| Net loans and leases to total assets | 69.5264% | 2,559 |
| Net loans and leases to deposits | 79.2586% | 2,893 |
| Net loans and leases to core deposits | 99.1559% | 1,750 |
| Total domestic deposits to total assets | 87.7210% | 1,780 |
| Equity capital to assets | 9.7171% | 3,869 |
| Core capital (leverage) ratio | 9.9906% | 3,547 |
| Tier 1 risk-based capital ratio | 12.6012% | 4,176 |
| Total risk-based capital ratio | 13.8546% | 4,077 |
| Memoranda: | ||
| Average total assets | $1,113,780,000 | 689 |
| Average earning assets | $1,036,063,500 | 683 |
| Average equity | $108,733,500 | 780 |
| Average total loans | $783,852,000 | 708 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 1,354 |
| Cost of funding earning assets | 0.3998% | 3,258 |
| Net interest margin | 4.2302% | 1,128 |
| Noninterest income to average assets | 0.3958% | 3,665 |
| Noninterest expense to average assets | 2.7920% | 2,802 |
| Loan and lease loss provision to assets | 0.0950% | 2,303 |
| Net operating income to assets | 0.8257% | 3,055 |
| Return on assets (ROA) | 0.8257% | 3,095 |
| Pretax return on assets | 1.4668% | 1,754 |
| Return on Equity (ROE) | 8.2400% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.2400% | 681 |
| Net charge-offs to loans | 0.0547% | 2,707 |
| Credit loss provision to net charge-offs | 253.1646% | 1,090 |
| Earnings coverage of net charge-offs (x) | 41.6025% | 1,228 |
| Efficiency ratio | 64.0835% | 3,587 |
| Assets per employee ($millions) | 5.3866% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 1,044 |
| Loan loss allowance to noncurrent loans | 516.2969% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 4,023 |
| Noncurrent loans to loans | 0.3188% | 3,635 |
| Net loans and leases to total assets | 68.9140% | 2,698 |
| Net loans and leases to deposits | 78.4404% | 3,069 |
| Net loans and leases to core deposits | 102.6964% | 1,510 |
| Total domestic deposits to total assets | 87.8552% | 1,577 |
| Equity capital to assets | 9.8084% | 3,907 |
| Core capital (leverage) ratio | 9.7644% | 3,729 |
| Tier 1 risk-based capital ratio | 12.7475% | 4,060 |
| Total risk-based capital ratio | 14.0008% | 3,958 |
| Memoranda: | ||
| Average total assets | $1,052,130,200 | 704 |
| Average earning assets | $984,472,200 | 689 |
| Average equity | $105,425,000 | 778 |
| Average total loans | $722,302,800 | 731 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 1,461 |
| Cost of funding earning assets | 0.3937% | 3,262 |
| Net interest margin | 4.1724% | 1,220 |
| Noninterest income to average assets | 0.3973% | 3,703 |
| Noninterest expense to average assets | 2.8043% | 2,711 |
| Loan and lease loss provision to assets | 0.1285% | 1,685 |
| Net operating income to assets | 0.9696% | 2,694 |
| Return on assets (ROA) | 0.9696% | 2,749 |
| Pretax return on assets | 1.3781% | 2,185 |
| Return on Equity (ROE) | 9.6225% | 2,295 |
| Retained earnings to average equity (ytd only) | 9.6225% | 673 |
| Net charge-offs to loans | 0.0167% | 3,179 |
| Credit loss provision to net charge-offs | 1,123.5955% | 329 |
| Earnings coverage of net charge-offs (x) | 131.7570% | 585 |
| Efficiency ratio | 65.0374% | 3,372 |
| Assets per employee ($millions) | 5.4541% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 887 |
| Loan loss allowance to noncurrent loans | 645.2486% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 4,379 |
| Noncurrent loans to loans | 0.2756% | 3,963 |
| Net loans and leases to total assets | 64.7351% | 3,297 |
| Net loans and leases to deposits | 73.8232% | 3,592 |
| Net loans and leases to core deposits | 97.2007% | 1,954 |
| Total domestic deposits to total assets | 87.6894% | 1,517 |
| Equity capital to assets | 9.7029% | 4,241 |
| Core capital (leverage) ratio | 10.1259% | 3,412 |
| Tier 1 risk-based capital ratio | 13.0835% | 3,953 |
| Total risk-based capital ratio | 14.3381% | 3,859 |
| Memoranda: | ||
| Average total assets | $1,037,754,250 | 718 |
| Average earning assets | $973,382,500 | 702 |
| Average equity | $104,572,000 | 785 |
| Average total loans | $708,505,500 | 739 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,320 |
| Cost of funding earning assets | 0.3878% | 3,205 |
| Net interest margin | 4.1846% | 1,108 |
| Noninterest income to average assets | 0.3852% | 3,792 |
| Noninterest expense to average assets | 2.8444% | 2,603 |
| Loan and lease loss provision to assets | 0.1780% | 1,074 |
| Net operating income to assets | 0.9021% | 2,901 |
| Return on assets (ROA) | 0.9021% | 2,951 |
| Pretax return on assets | 1.2974% | 2,396 |
| Return on Equity (ROE) | 8.8315% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.8315% | 888 |
| Net charge-offs to loans | 0.0278% | 2,656 |
| Credit loss provision to net charge-offs | 927.8351% | 409 |
| Earnings coverage of net charge-offs (x) | 76.8866% | 791 |
| Efficiency ratio | 65.8454% | 3,378 |
| Assets per employee ($millions) | 5.3692% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 807 |
| Loan loss allowance to noncurrent loans | 685.8575% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 4,449 |
| Noncurrent loans to loans | 0.2689% | 4,077 |
| Net loans and leases to total assets | 66.0770% | 3,092 |
| Net loans and leases to deposits | 75.1411% | 3,441 |
| Net loans and leases to core deposits | 102.4726% | 1,469 |
| Total domestic deposits to total assets | 87.9372% | 1,484 |
| Equity capital to assets | 10.1006% | 3,794 |
| Core capital (leverage) ratio | 10.2054% | 3,267 |
| Tier 1 risk-based capital ratio | 13.1683% | 3,905 |
| Total risk-based capital ratio | 14.4233% | 3,801 |
| Memoranda: | ||
| Average total assets | $1,010,976,670 | 735 |
| Average earning assets | $950,572,330 | 719 |
| Average equity | $103,267,000 | 795 |
| Average total loans | $699,040,670 | 746 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 1,276 |
| Cost of funding earning assets | 0.3773% | 3,228 |
| Net interest margin | 4.1635% | 1,064 |
| Noninterest income to average assets | 0.3476% | 4,063 |
| Noninterest expense to average assets | 2.9363% | 2,345 |
| Loan and lease loss provision to assets | 0.2014% | 818 |
| Net operating income to assets | 0.7952% | 3,243 |
| Return on assets (ROA) | 0.7952% | 3,300 |
| Pretax return on assets | 1.1396% | 2,825 |
| Return on Equity (ROE) | 7.7394% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.7394% | 1,560 |
| Net charge-offs to loans | 0.0511% | 1,836 |
| Credit loss provision to net charge-offs | 561.7978% | 536 |
| Earnings coverage of net charge-offs (x) | 37.4045% | 1,075 |
| Efficiency ratio | 68.6476% | 3,103 |
| Assets per employee ($millions) | 5.4764% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 951 |
| Loan loss allowance to noncurrent loans | 623.3927% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 4,451 |
| Noncurrent loans to loans | 0.2895% | 4,078 |
| Net loans and leases to total assets | 66.6218% | 2,878 |
| Net loans and leases to deposits | 76.1857% | 3,179 |
| Net loans and leases to core deposits | 105.6452% | 1,129 |
| Total domestic deposits to total assets | 87.4465% | 2,017 |
| Equity capital to assets | 10.0031% | 3,753 |
| Core capital (leverage) ratio | 10.2544% | 3,184 |
| Tier 1 risk-based capital ratio | 13.1933% | 3,953 |
| Total risk-based capital ratio | 14.4483% | 3,873 |
| Memoranda: | ||
| Average total assets | $992,966,500 | 753 |
| Average earning assets | $937,198,000 | 736 |
| Average equity | $102,024,000 | 804 |
| Average total loans | $696,150,500 | 752 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 1,238 |
| Cost of funding earning assets | 0.3595% | 3,421 |
| Net interest margin | 4.2580% | 1,000 |
| Noninterest income to average assets | 0.3945% | 3,934 |
| Noninterest expense to average assets | 2.8018% | 3,018 |
| Loan and lease loss provision to assets | 0.2635% | 774 |
| Net operating income to assets | 0.9340% | 2,655 |
| Return on assets (ROA) | 0.9340% | 2,765 |
| Pretax return on assets | 1.3497% | 2,106 |
| Return on Equity (ROE) | 9.3260% | 2,262 |
| Retained earnings to average equity (ytd only) | 9.3260% | 521 |
| Net charge-offs to loans | 0.0119% | 3,870 |
| Credit loss provision to net charge-offs | 3,069.8795% | 139 |
| Earnings coverage of net charge-offs (x) | 187.9518% | 357 |
| Efficiency ratio | 63.4601% | 4,032 |
| Assets per employee ($millions) | 5.0602% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 1,026 |
| Loan loss allowance to noncurrent loans | 539.7964% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 4,347 |
| Noncurrent loans to loans | 0.3256% | 3,977 |
| Net loans and leases to total assets | 71.2683% | 2,289 |
| Net loans and leases to deposits | 83.0061% | 2,546 |
| Net loans and leases to core deposits | 111.1468% | 822 |
| Total domestic deposits to total assets | 85.8591% | 2,652 |
| Equity capital to assets | 10.5670% | 3,080 |
| Core capital (leverage) ratio | 10.1848% | 3,244 |
| Tier 1 risk-based capital ratio | 13.3462% | 3,864 |
| Total risk-based capital ratio | 14.6011% | 3,769 |
| Memoranda: | ||
| Average total assets | $967,001,200 | 746 |
| Average earning assets | $913,061,600 | 727 |
| Average equity | $96,847,200 | 817 |
| Average total loans | $695,231,200 | 725 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 1,288 |
| Cost of funding earning assets | 0.3558% | 3,480 |
| Net interest margin | 4.2473% | 1,032 |
| Noninterest income to average assets | 0.3795% | 4,070 |
| Noninterest expense to average assets | 2.7722% | 3,107 |
| Loan and lease loss provision to assets | 0.2300% | 869 |
| Net operating income to assets | 0.9605% | 2,612 |
| Return on assets (ROA) | 0.9605% | 2,751 |
| Pretax return on assets | 1.3890% | 2,072 |
| Return on Equity (ROE) | 9.7220% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.7220% | 635 |
| Net charge-offs to loans | 0.0052% | 3,726 |
| Credit loss provision to net charge-offs | 6,196.2963% | 88 |
| Earnings coverage of net charge-offs (x) | 436.1003% | 201 |
| Efficiency ratio | 63.1294% | 4,053 |
| Assets per employee ($millions) | 5.1887% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 1,298 |
| Loan loss allowance to noncurrent loans | 411.8392% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 4,277 |
| Noncurrent loans to loans | 0.4041% | 3,827 |
| Net loans and leases to total assets | 69.2621% | 2,600 |
| Net loans and leases to deposits | 81.5226% | 2,795 |
| Net loans and leases to core deposits | 114.0330% | 720 |
| Total domestic deposits to total assets | 84.9605% | 2,823 |
| Equity capital to assets | 10.2404% | 3,866 |
| Core capital (leverage) ratio | 10.2093% | 3,326 |
| Tier 1 risk-based capital ratio | 13.1693% | 4,054 |
| Total risk-based capital ratio | 14.4230% | 3,956 |
| Memoranda: | ||
| Average total assets | $969,657,500 | 747 |
| Average earning assets | $915,881,250 | 725 |
| Average equity | $95,794,000 | 830 |
| Average total loans | $695,592,250 | 723 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6222% | 1,230 |
| Cost of funding earning assets | 0.3538% | 3,524 |
| Net interest margin | 4.2685% | 987 |
| Noninterest income to average assets | 0.3484% | 4,286 |
| Noninterest expense to average assets | 2.7622% | 3,160 |
| Loan and lease loss provision to assets | 0.2527% | 763 |
| Net operating income to assets | 0.9457% | 2,643 |
| Return on assets (ROA) | 0.9457% | 2,787 |
| Pretax return on assets | 1.3659% | 2,145 |
| Return on Equity (ROE) | 9.6908% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.6908% | 662 |
| Net charge-offs to loans | 0.0109% | 3,339 |
| Credit loss provision to net charge-offs | 3,223.6842% | 133 |
| Earnings coverage of net charge-offs (x) | 206.4737% | 319 |
| Efficiency ratio | 63.0516% | 4,169 |
| Assets per employee ($millions) | 5.2318% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,665 |
| Loan loss allowance to noncurrent loans | 1,208.8594% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 5,125 |
| Noncurrent loans to loans | 0.1284% | 4,923 |
| Net loans and leases to total assets | 71.9019% | 2,188 |
| Net loans and leases to deposits | 84.7519% | 2,375 |
| Net loans and leases to core deposits | 122.0285% | 460 |
| Total domestic deposits to total assets | 84.8380% | 2,943 |
| Equity capital to assets | 10.0714% | 4,136 |
| Core capital (leverage) ratio | 9.8761% | 3,716 |
| Tier 1 risk-based capital ratio | 12.5728% | 4,464 |
| Total risk-based capital ratio | 13.8254% | 4,376 |
| Memoranda: | ||
| Average total assets | $969,448,000 | 748 |
| Average earning assets | $915,831,670 | 721 |
| Average equity | $94,605,000 | 842 |
| Average total loans | $699,651,330 | 718 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 1,090 |
| Cost of funding earning assets | 0.3565% | 3,537 |
| Net interest margin | 4.3246% | 880 |
| Noninterest income to average assets | 0.3499% | 4,229 |
| Noninterest expense to average assets | 2.7811% | 3,141 |
| Loan and lease loss provision to assets | 0.2878% | 565 |
| Net operating income to assets | 0.9428% | 2,544 |
| Return on assets (ROA) | 0.9428% | 2,660 |
| Pretax return on assets | 1.3605% | 2,043 |
| Return on Equity (ROE) | 9.8169% | 2,068 |
| Retained earnings to average equity (ytd only) | 9.8169% | 891 |
| Net charge-offs to loans | 0.0275% | 2,389 |
| Credit loss provision to net charge-offs | 1,458.3333% | 291 |
| Earnings coverage of net charge-offs (x) | 83.5208% | 615 |
| Efficiency ratio | 62.7866% | 4,329 |
| Assets per employee ($millions) | 5.5429% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 2,070 |
| Loan loss allowance to noncurrent loans | 1,526.6176% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 5,302 |
| Noncurrent loans to loans | 0.0969% | 5,085 |
| Net loans and leases to total assets | 70.0443% | 2,333 |
| Net loans and leases to deposits | 88.0455% | 1,823 |
| Net loans and leases to core deposits | 128.0153% | 302 |
| Total domestic deposits to total assets | 79.5546% | 4,846 |
| Equity capital to assets | 9.5901% | 4,575 |
| Core capital (leverage) ratio | 9.5964% | 4,040 |
| Tier 1 risk-based capital ratio | 12.1023% | 4,854 |
| Total risk-based capital ratio | 13.3538% | 4,750 |
| Memoranda: | ||
| Average total assets | $972,842,500 | 745 |
| Average earning assets | $917,728,000 | 721 |
| Average equity | $93,431,000 | 849 |
| Average total loans | $697,934,000 | 719 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 2,063 |
| Cost of funding earning assets | 0.3827% | 3,342 |
| Net interest margin | 3.9661% | 1,824 |
| Noninterest income to average assets | 0.3824% | 4,169 |
| Noninterest expense to average assets | 2.8159% | 3,167 |
| Loan and lease loss provision to assets | 0.2525% | 750 |
| Net operating income to assets | 0.7438% | 3,602 |
| Return on assets (ROA) | 0.7735% | 3,527 |
| Pretax return on assets | 1.1072% | 3,015 |
| Return on Equity (ROE) | 8.4816% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.4816% | 784 |
| Net charge-offs to loans | 0.0089% | 4,145 |
| Credit loss provision to net charge-offs | 4,276.7857% | 89 |
| Earnings coverage of net charge-offs (x) | 223.1071% | 310 |
| Efficiency ratio | 68.1308% | 3,546 |
| Assets per employee ($millions) | 5.3578% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 2,414 |
| Loan loss allowance to noncurrent loans | 2,226.3158% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,472 |
| Noncurrent loans to loans | 0.0629% | 5,264 |
| Net loans and leases to total assets | 71.3912% | 2,150 |
| Net loans and leases to deposits | 83.4452% | 2,429 |
| Net loans and leases to core deposits | 121.6949% | 433 |
| Total domestic deposits to total assets | 85.5545% | 2,839 |
| Equity capital to assets | 9.6181% | 4,416 |
| Core capital (leverage) ratio | 9.4142% | 4,299 |
| Tier 1 risk-based capital ratio | 11.9668% | 4,968 |
| Total risk-based capital ratio | 13.2175% | 4,874 |
| Memoranda: | ||
| Average total assets | $948,533,800 | 726 |
| Average earning assets | $897,028,600 | 699 |
| Average equity | $86,505,400 | 882 |
| Average total loans | $632,562,200 | 740 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 2,312 |
| Cost of funding earning assets | 0.3910% | 3,311 |
| Net interest margin | 3.8860% | 2,084 |
| Noninterest income to average assets | 0.3852% | 4,185 |
| Noninterest expense to average assets | 2.8044% | 3,169 |
| Loan and lease loss provision to assets | 0.2967% | 500 |
| Net operating income to assets | 0.6719% | 4,027 |
| Return on assets (ROA) | 0.7117% | 3,953 |
| Pretax return on assets | 1.0152% | 3,553 |
| Return on Equity (ROE) | 7.9132% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.9132% | 1,272 |
| Net charge-offs to loans | 0.0348% | 3,217 |
| Credit loss provision to net charge-offs | 1,307.4534% | 282 |
| Earnings coverage of net charge-offs (x) | 55.3047% | 972 |
| Efficiency ratio | 69.0833% | 3,358 |
| Assets per employee ($millions) | 5.3486% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 2,599 |
| Loan loss allowance to noncurrent loans | 1,652.0354% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 5,495 |
| Noncurrent loans to loans | 0.0848% | 5,291 |
| Net loans and leases to total assets | 69.0335% | 2,531 |
| Net loans and leases to deposits | 80.0399% | 2,881 |
| Net loans and leases to core deposits | 120.3192% | 459 |
| Total domestic deposits to total assets | 86.2488% | 2,413 |
| Equity capital to assets | 9.2401% | 5,065 |
| Core capital (leverage) ratio | 9.0363% | 4,952 |
| Tier 1 risk-based capital ratio | 11.6329% | 5,303 |
| Total risk-based capital ratio | 12.8832% | 5,228 |
| Memoranda: | ||
| Average total assets | $945,905,750 | 733 |
| Average earning assets | $894,358,500 | 709 |
| Average equity | $85,071,250 | 904 |
| Average total loans | $617,102,000 | 767 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 2,661 |
| Cost of funding earning assets | 0.3958% | 3,319 |
| Net interest margin | 3.7698% | 2,441 |
| Noninterest income to average assets | 0.3829% | 4,209 |
| Noninterest expense to average assets | 2.7816% | 3,308 |
| Loan and lease loss provision to assets | 0.1801% | 1,133 |
| Net operating income to assets | 0.6843% | 3,964 |
| Return on assets (ROA) | 0.7378% | 3,812 |
| Pretax return on assets | 1.0580% | 3,347 |
| Return on Equity (ROE) | 8.2801% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.2801% | 1,154 |
| Net charge-offs to loans | 0.0836% | 2,208 |
| Credit loss provision to net charge-offs | 338.6454% | 856 |
| Earnings coverage of net charge-offs (x) | 21.8406% | 1,661 |
| Efficiency ratio | 70.5411% | 3,252 |
| Assets per employee ($millions) | 5.3985% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 3,360 |
| Loan loss allowance to noncurrent loans | 6,340.4762% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 5,845 |
| Noncurrent loans to loans | 0.0201% | 5,682 |
| Net loans and leases to total assets | 63.1992% | 3,386 |
| Net loans and leases to deposits | 74.0090% | 3,491 |
| Net loans and leases to core deposits | 111.0627% | 783 |
| Total domestic deposits to total assets | 85.3940% | 2,971 |
| Equity capital to assets | 8.8261% | 5,408 |
| Core capital (leverage) ratio | 8.7608% | 5,266 |
| Tier 1 risk-based capital ratio | 11.8453% | 5,248 |
| Total risk-based capital ratio | 12.9858% | 5,229 |
| Memoranda: | ||
| Average total assets | $943,860,330 | 739 |
| Average earning assets | $891,401,670 | 714 |
| Average equity | $84,105,000 | 911 |
| Average total loans | $600,615,330 | 784 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 2,875 |
| Cost of funding earning assets | 0.3956% | 3,357 |
| Net interest margin | 3.6952% | 2,634 |
| Noninterest income to average assets | 0.3503% | 4,395 |
| Noninterest expense to average assets | 2.7640% | 3,369 |
| Loan and lease loss provision to assets | 0.1726% | 1,141 |
| Net operating income to assets | 0.6308% | 4,142 |
| Return on assets (ROA) | 0.7398% | 3,722 |
| Pretax return on assets | 1.0595% | 3,266 |
| Return on Equity (ROE) | 8.2615% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.2615% | 1,470 |
| Net charge-offs to loans | -0.0054% | 4,518 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9726% | 3,175 |
| Assets per employee ($millions) | 5.4133% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 3,406 |
| Loan loss allowance to noncurrent loans | 1,792.6437% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 5,758 |
| Noncurrent loans to loans | 0.0725% | 5,481 |
| Net loans and leases to total assets | 61.1255% | 3,512 |
| Net loans and leases to deposits | 72.3870% | 3,500 |
| Net loans and leases to core deposits | 101.3118% | 1,236 |
| Total domestic deposits to total assets | 84.4426% | 3,637 |
| Equity capital to assets | 8.7041% | 5,571 |
| Core capital (leverage) ratio | 8.8648% | 5,121 |
| Tier 1 risk-based capital ratio | 12.1313% | 5,161 |
| Total risk-based capital ratio | 13.2963% | 5,108 |
| Memoranda: | ||
| Average total assets | $927,222,000 | 753 |
| Average earning assets | $875,732,500 | 732 |
| Average equity | $83,036,000 | 922 |
| Average total loans | $588,157,000 | 797 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 2,868 |
| Cost of funding earning assets | 0.3719% | 4,015 |
| Net interest margin | 3.8529% | 2,417 |
| Noninterest income to average assets | 0.4927% | 3,566 |
| Noninterest expense to average assets | 2.8029% | 3,470 |
| Loan and lease loss provision to assets | 0.1559% | 1,683 |
| Net operating income to assets | 0.8104% | 3,321 |
| Return on assets (ROA) | 0.8104% | 3,408 |
| Pretax return on assets | 1.1520% | 2,865 |
| Return on Equity (ROE) | 8.9832% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.9832% | 709 |
| Net charge-offs to loans | 0.0213% | 4,414 |
| Credit loss provision to net charge-offs | 1,211.0092% | 236 |
| Earnings coverage of net charge-offs (x) | 101.6055% | 518 |
| Efficiency ratio | 68.1844% | 3,869 |
| Assets per employee ($millions) | 5.0889% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 3,526 |
| Loan loss allowance to noncurrent loans | 3,066.3900% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 5,934 |
| Noncurrent loans to loans | 0.0418% | 5,707 |
| Net loans and leases to total assets | 64.2411% | 3,190 |
| Net loans and leases to deposits | 73.3324% | 3,510 |
| Net loans and leases to core deposits | 98.6619% | 1,494 |
| Total domestic deposits to total assets | 87.6026% | 1,976 |
| Equity capital to assets | 9.2304% | 5,028 |
| Core capital (leverage) ratio | 9.1949% | 4,685 |
| Tier 1 risk-based capital ratio | 12.4806% | 5,044 |
| Total risk-based capital ratio | 13.6566% | 5,008 |
| Memoranda: | ||
| Average total assets | $846,787,600 | 796 |
| Average earning assets | $795,192,200 | 765 |
| Average equity | $76,387,200 | 960 |
| Average total loans | $511,938,200 | 870 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 3,113 |
| Cost of funding earning assets | 0.3729% | 4,096 |
| Net interest margin | 3.7915% | 2,650 |
| Noninterest income to average assets | 0.5323% | 3,309 |
| Noninterest expense to average assets | 2.8252% | 3,368 |
| Loan and lease loss provision to assets | 0.1465% | 1,709 |
| Net operating income to assets | 0.7879% | 3,477 |
| Return on assets (ROA) | 0.7879% | 3,585 |
| Pretax return on assets | 1.1167% | 3,120 |
| Return on Equity (ROE) | 8.7885% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.7885% | 1,063 |
| Net charge-offs to loans | 0.0229% | 4,057 |
| Credit loss provision to net charge-offs | 1,082.3529% | 308 |
| Earnings coverage of net charge-offs (x) | 93.3063% | 619 |
| Efficiency ratio | 69.1028% | 3,661 |
| Assets per employee ($millions) | 4.6343% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 3,938 |
| Loan loss allowance to noncurrent loans | 2,178.2609% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 6,016 |
| Noncurrent loans to loans | 0.0574% | 5,784 |
| Net loans and leases to total assets | 65.2661% | 2,988 |
| Net loans and leases to deposits | 73.0383% | 3,561 |
| Net loans and leases to core deposits | 99.9902% | 1,368 |
| Total domestic deposits to total assets | 89.3587% | 1,044 |
| Equity capital to assets | 9.1719% | 5,179 |
| Core capital (leverage) ratio | 9.0910% | 4,942 |
| Tier 1 risk-based capital ratio | 12.1778% | 5,383 |
| Total risk-based capital ratio | 13.3241% | 5,355 |
| Memoranda: | ||
| Average total assets | $837,117,000 | 809 |
| Average earning assets | $785,149,250 | 784 |
| Average equity | $75,051,000 | 979 |
| Average total loans | $495,866,250 | 906 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,534 |
| Cost of funding earning assets | 0.3703% | 4,205 |
| Net interest margin | 3.6809% | 3,027 |
| Noninterest income to average assets | 0.5826% | 2,908 |
| Noninterest expense to average assets | 2.7903% | 3,545 |
| Loan and lease loss provision to assets | 0.1332% | 1,861 |
| Net operating income to assets | 0.7842% | 3,406 |
| Return on assets (ROA) | 0.7842% | 3,507 |
| Pretax return on assets | 1.1108% | 3,059 |
| Return on Equity (ROE) | 8.8158% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.8158% | 1,043 |
| Net charge-offs to loans | 0.0152% | 3,929 |
| Credit loss provision to net charge-offs | 1,541.6667% | 234 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 422 |
| Efficiency ratio | 69.1649% | 3,810 |
| Assets per employee ($millions) | 5.0345% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 3,871 |
| Loan loss allowance to noncurrent loans | 3,488.5417% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 6,154 |
| Noncurrent loans to loans | 0.0371% | 5,947 |
| Net loans and leases to total assets | 60.3447% | 3,663 |
| Net loans and leases to deposits | 67.4937% | 4,111 |
| Net loans and leases to core deposits | 91.8013% | 1,949 |
| Total domestic deposits to total assets | 89.4080% | 1,149 |
| Equity capital to assets | 8.9776% | 5,319 |
| Core capital (leverage) ratio | 9.1289% | 4,841 |
| Tier 1 risk-based capital ratio | 12.6396% | 5,132 |
| Total risk-based capital ratio | 13.7560% | 5,148 |
| Memoranda: | ||
| Average total assets | $833,460,670 | 814 |
| Average earning assets | $781,557,000 | 789 |
| Average equity | $74,139,330 | 985 |
| Average total loans | $474,312,670 | 934 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 4,063 |
| Cost of funding earning assets | 0.3707% | 4,309 |
| Net interest margin | 3.5352% | 3,546 |
| Noninterest income to average assets | 0.5546% | 3,016 |
| Noninterest expense to average assets | 2.8077% | 3,533 |
| Loan and lease loss provision to assets | 0.1112% | 2,089 |
| Net operating income to assets | 0.6788% | 3,790 |
| Return on assets (ROA) | 0.6788% | 3,874 |
| Pretax return on assets | 0.9511% | 3,510 |
| Return on Equity (ROE) | 7.6676% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.6676% | 1,739 |
| Net charge-offs to loans | -0.0141% | 5,184 |
| Credit loss provision to net charge-offs | -1,437.5000% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5512% | 3,386 |
| Assets per employee ($millions) | 4.7213% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 3,654 |
| Loan loss allowance to noncurrent loans | 699.1295% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 5,922 |
| Noncurrent loans to loans | 0.1989% | 5,494 |
| Net loans and leases to total assets | 54.8325% | 4,302 |
| Net loans and leases to deposits | 61.1026% | 4,654 |
| Net loans and leases to core deposits | 83.2066% | 2,614 |
| Total domestic deposits to total assets | 89.7385% | 1,218 |
| Equity capital to assets | 8.9203% | 5,200 |
| Core capital (leverage) ratio | 9.1735% | 4,756 |
| Tier 1 risk-based capital ratio | 13.4934% | 4,683 |
| Total risk-based capital ratio | 14.6654% | 4,685 |
| Memoranda: | ||
| Average total assets | $827,292,500 | 826 |
| Average earning assets | $775,859,000 | 798 |
| Average equity | $73,243,000 | 994 |
| Average total loans | $452,923,000 | 969 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 3,578 |
| Cost of funding earning assets | 0.3546% | 5,093 |
| Net interest margin | 3.7861% | 2,703 |
| Noninterest income to average assets | 0.8638% | 1,809 |
| Noninterest expense to average assets | 3.0028% | 3,052 |
| Loan and lease loss provision to assets | 0.1663% | 2,199 |
| Net operating income to assets | 0.8826% | 2,867 |
| Return on assets (ROA) | 0.8826% | 2,954 |
| Pretax return on assets | 1.2597% | 2,317 |
| Return on Equity (ROE) | 9.7886% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.7886% | 595 |
| Net charge-offs to loans | 0.0579% | 4,414 |
| Credit loss provision to net charge-offs | 473.2824% | 488 |
| Earnings coverage of net charge-offs (x) | 40.5802% | 932 |
| Efficiency ratio | 67.8004% | 4,236 |
| Assets per employee ($millions) | 4.6272% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 3,694 |
| Loan loss allowance to noncurrent loans | 608.7685% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 5,956 |
| Noncurrent loans to loans | 0.2287% | 5,500 |
| Net loans and leases to total assets | 53.1317% | 4,706 |
| Net loans and leases to deposits | 59.1846% | 5,018 |
| Net loans and leases to core deposits | 80.3388% | 3,088 |
| Total domestic deposits to total assets | 89.7728% | 1,200 |
| Equity capital to assets | 8.7858% | 5,275 |
| Core capital (leverage) ratio | 8.8682% | 5,185 |
| Tier 1 risk-based capital ratio | 13.9306% | 4,340 |
| Total risk-based capital ratio | 15.1168% | 4,328 |
| Memoranda: | ||
| Average total assets | $745,547,800 | 894 |
| Average earning assets | $702,010,000 | 859 |
| Average equity | $67,220,800 | 1,070 |
| Average total loans | $452,856,200 | 942 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 3,461 |
| Cost of funding earning assets | 0.3428% | 5,361 |
| Net interest margin | 3.8364% | 2,511 |
| Noninterest income to average assets | 0.9654% | 1,562 |
| Noninterest expense to average assets | 3.0815% | 2,719 |
| Loan and lease loss provision to assets | 0.1754% | 2,076 |
| Net operating income to assets | 0.9250% | 2,712 |
| Return on assets (ROA) | 0.9250% | 2,823 |
| Pretax return on assets | 1.3239% | 2,236 |
| Return on Equity (ROE) | 10.1855% | 2,109 |
| Retained earnings to average equity (ytd only) | 10.1855% | 751 |
| Net charge-offs to loans | 0.0103% | 4,941 |
| Credit loss provision to net charge-offs | 2,728.5714% | 120 |
| Earnings coverage of net charge-offs (x) | 233.2346% | 249 |
| Efficiency ratio | 67.2707% | 4,240 |
| Assets per employee ($millions) | 4.3015% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 4,270 |
| Loan loss allowance to noncurrent loans | 1,229.1165% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 6,262 |
| Noncurrent loans to loans | 0.1078% | 6,011 |
| Net loans and leases to total assets | 56.6928% | 4,224 |
| Net loans and leases to deposits | 63.3019% | 4,589 |
| Net loans and leases to core deposits | 82.7189% | 2,804 |
| Total domestic deposits to total assets | 89.5594% | 1,255 |
| Equity capital to assets | 8.5378% | 5,692 |
| Core capital (leverage) ratio | 9.1922% | 4,843 |
| Tier 1 risk-based capital ratio | 13.0033% | 5,122 |
| Total risk-based capital ratio | 14.1564% | 5,127 |
| Memoranda: | ||
| Average total assets | $726,026,500 | 919 |
| Average earning assets | $684,193,250 | 889 |
| Average equity | $65,935,250 | 1,101 |
| Average total loans | $455,123,000 | 943 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 3,343 |
| Cost of funding earning assets | 0.3317% | 5,553 |
| Net interest margin | 3.8754% | 2,294 |
| Noninterest income to average assets | 1.0419% | 1,405 |
| Noninterest expense to average assets | 3.1464% | 2,522 |
| Loan and lease loss provision to assets | 0.1786% | 2,124 |
| Net operating income to assets | 0.9538% | 2,548 |
| Return on assets (ROA) | 0.9538% | 2,699 |
| Pretax return on assets | 1.3690% | 2,041 |
| Return on Equity (ROE) | 10.2674% | 2,098 |
| Retained earnings to average equity (ytd only) | 10.2674% | 791 |
| Net charge-offs to loans | -0.0022% | 5,536 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0299% | 4,356 |
| Assets per employee ($millions) | 4.3463% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 4,719 |
| Loan loss allowance to noncurrent loans | 748.5237% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 6,145 |
| Noncurrent loans to loans | 0.1676% | 5,903 |
| Net loans and leases to total assets | 66.0103% | 2,593 |
| Net loans and leases to deposits | 73.3615% | 3,247 |
| Net loans and leases to core deposits | 95.4297% | 1,402 |
| Total domestic deposits to total assets | 89.9795% | 1,033 |
| Equity capital to assets | 9.5010% | 4,576 |
| Core capital (leverage) ratio | 9.5301% | 4,198 |
| Tier 1 risk-based capital ratio | 13.5180% | 4,755 |
| Total risk-based capital ratio | 14.7064% | 4,757 |
| Memoranda: | ||
| Average total assets | $699,906,000 | 950 |
| Average earning assets | $659,591,000 | 923 |
| Average equity | $65,021,330 | 1,111 |
| Average total loans | $452,780,330 | 939 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 3,760 |
| Cost of funding earning assets | 0.3133% | 5,861 |
| Net interest margin | 3.7791% | 2,528 |
| Noninterest income to average assets | 1.0801% | 1,270 |
| Noninterest expense to average assets | 3.1457% | 2,526 |
| Loan and lease loss provision to assets | 0.0997% | 3,014 |
| Net operating income to assets | 0.9662% | 2,367 |
| Return on assets (ROA) | 0.9662% | 2,500 |
| Pretax return on assets | 1.3946% | 1,872 |
| Return on Equity (ROE) | 10.5183% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.5183% | 980 |
| Net charge-offs to loans | -0.0152% | 5,597 |
| Credit loss provision to net charge-offs | -1,029.4118% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7962% | 4,346 |
| Assets per employee ($millions) | 4.2404% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 5,092 |
| Loan loss allowance to noncurrent loans | 1,072.1670% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 6,369 |
| Noncurrent loans to loans | 0.1138% | 6,135 |
| Net loans and leases to total assets | 63.1688% | 2,861 |
| Net loans and leases to deposits | 70.1501% | 3,457 |
| Net loans and leases to core deposits | 92.0254% | 1,504 |
| Total domestic deposits to total assets | 90.0479% | 1,020 |
| Equity capital to assets | 9.4466% | 4,928 |
| Core capital (leverage) ratio | 9.4066% | 4,227 |
| Tier 1 risk-based capital ratio | 13.5958% | 4,805 |
| Total risk-based capital ratio | 14.7293% | 4,850 |
| Memoranda: | ||
| Average total assets | $702,157,000 | 954 |
| Average earning assets | $661,433,000 | 920 |
| Average equity | $64,497,000 | 1,140 |
| Average total loans | $446,736,000 | 962 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 4,348 |
| Cost of funding earning assets | 0.3377% | 6,279 |
| Net interest margin | 3.9260% | 2,715 |
| Noninterest income to average assets | 0.9283% | 1,776 |
| Noninterest expense to average assets | 2.9549% | 3,448 |
| Loan and lease loss provision to assets | 0.2319% | 2,816 |
| Net operating income to assets | 1.0130% | 2,279 |
| Return on assets (ROA) | 1.0169% | 2,485 |
| Pretax return on assets | 1.4474% | 1,865 |
| Return on Equity (ROE) | 11.4000% | 1,683 |
| Retained earnings to average equity (ytd only) | 11.4000% | 394 |
| Net charge-offs to loans | 0.2286% | 3,563 |
| Credit loss provision to net charge-offs | 164.6542% | 1,623 |
| Earnings coverage of net charge-offs (x) | 11.8858% | 1,992 |
| Efficiency ratio | 63.8404% | 4,913 |
| Assets per employee ($millions) | 4.3750% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,337 |
| Loan loss allowance to noncurrent loans | 1,722.1854% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 6,524 |
| Noncurrent loans to loans | 0.0669% | 6,322 |
| Net loans and leases to total assets | 62.5784% | 3,152 |
| Net loans and leases to deposits | 70.2059% | 3,680 |
| Net loans and leases to core deposits | 89.2759% | 1,927 |
| Total domestic deposits to total assets | 89.1356% | 1,479 |
| Equity capital to assets | 8.9326% | 5,600 |
| Core capital (leverage) ratio | 9.5868% | 3,985 |
| Tier 1 risk-based capital ratio | 13.5911% | 4,682 |
| Total risk-based capital ratio | 14.7133% | 4,739 |
| Memoranda: | ||
| Average total assets | $646,960,200 | 1,014 |
| Average earning assets | $609,749,000 | 984 |
| Average equity | $57,710,600 | 1,230 |
| Average total loans | $398,528,200 | 1,049 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 4,306 |
| Cost of funding earning assets | 0.3519% | 6,365 |
| Net interest margin | 3.9845% | 2,564 |
| Noninterest income to average assets | 0.9327% | 1,726 |
| Noninterest expense to average assets | 2.9436% | 3,433 |
| Loan and lease loss provision to assets | 0.2432% | 2,619 |
| Net operating income to assets | 1.0655% | 2,236 |
| Return on assets (ROA) | 1.0655% | 2,447 |
| Pretax return on assets | 1.5084% | 1,850 |
| Return on Equity (ROE) | 11.9494% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.9494% | 539 |
| Net charge-offs to loans | 0.3744% | 2,601 |
| Credit loss provision to net charge-offs | 106.2847% | 2,763 |
| Earnings coverage of net charge-offs (x) | 7.6543% | 2,576 |
| Efficiency ratio | 62.6937% | 5,033 |
| Assets per employee ($millions) | 4.3084% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 5,507 |
| Loan loss allowance to noncurrent loans | 879.6992% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 6,449 |
| Noncurrent loans to loans | 0.1309% | 6,276 |
| Net loans and leases to total assets | 61.7299% | 3,438 |
| Net loans and leases to deposits | 68.6363% | 4,078 |
| Net loans and leases to core deposits | 88.0256% | 2,211 |
| Total domestic deposits to total assets | 89.9377% | 885 |
| Equity capital to assets | 9.5925% | 5,077 |
| Core capital (leverage) ratio | 9.5225% | 4,236 |
| Tier 1 risk-based capital ratio | 14.0052% | 4,513 |
| Total risk-based capital ratio | 15.0719% | 4,633 |
| Memoranda: | ||
| Average total assets | $630,420,000 | 1,056 |
| Average earning assets | $595,292,000 | 1,015 |
| Average equity | $56,213,250 | 1,275 |
| Average total loans | $385,295,000 | 1,097 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 4,385 |
| Cost of funding earning assets | 0.3713% | 6,411 |
| Net interest margin | 3.9761% | 2,607 |
| Noninterest income to average assets | 0.8607% | 1,927 |
| Noninterest expense to average assets | 2.8764% | 3,721 |
| Loan and lease loss provision to assets | 0.2245% | 2,834 |
| Net operating income to assets | 1.0415% | 2,289 |
| Return on assets (ROA) | 1.0415% | 2,517 |
| Pretax return on assets | 1.5097% | 1,823 |
| Return on Equity (ROE) | 11.9965% | 1,668 |
| Retained earnings to average equity (ytd only) | 11.9965% | 587 |
| Net charge-offs to loans | 0.3135% | 2,776 |
| Credit loss provision to net charge-offs | 118.0438% | 2,333 |
| Earnings coverage of net charge-offs (x) | 9.1197% | 2,206 |
| Efficiency ratio | 62.3870% | 5,187 |
| Assets per employee ($millions) | 4.2293% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,408 |
| Loan loss allowance to noncurrent loans | 506.8743% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 6,350 |
| Noncurrent loans to loans | 0.2342% | 6,105 |
| Net loans and leases to total assets | 61.9258% | 3,458 |
| Net loans and leases to deposits | 68.9265% | 4,051 |
| Net loans and leases to core deposits | 88.0700% | 2,201 |
| Total domestic deposits to total assets | 89.8432% | 1,019 |
| Equity capital to assets | 9.5162% | 5,032 |
| Core capital (leverage) ratio | 9.5099% | 4,126 |
| Tier 1 risk-based capital ratio | 13.6830% | 4,686 |
| Total risk-based capital ratio | 14.7653% | 4,770 |
| Memoranda: | ||
| Average total assets | $623,704,000 | 1,065 |
| Average earning assets | $588,216,000 | 1,025 |
| Average equity | $54,149,000 | 1,315 |
| Average total loans | $378,301,670 | 1,117 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 4,827 |
| Cost of funding earning assets | 0.4025% | 6,397 |
| Net interest margin | 3.8744% | 3,033 |
| Noninterest income to average assets | 0.8021% | 2,157 |
| Noninterest expense to average assets | 2.7964% | 4,049 |
| Loan and lease loss provision to assets | 0.2911% | 2,140 |
| Net operating income to assets | 0.9470% | 2,712 |
| Return on assets (ROA) | 0.9470% | 2,920 |
| Pretax return on assets | 1.3694% | 2,289 |
| Return on Equity (ROE) | 11.4737% | 1,848 |
| Retained earnings to average equity (ytd only) | 11.4737% | 928 |
| Net charge-offs to loans | 0.1118% | 3,457 |
| Credit loss provision to net charge-offs | 436.8932% | 737 |
| Earnings coverage of net charge-offs (x) | 24.9223% | 1,045 |
| Efficiency ratio | 62.7431% | 5,144 |
| Assets per employee ($millions) | 4.8726% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 4,939 |
| Loan loss allowance to noncurrent loans | 33,060.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 6,734 |
| Noncurrent loans to loans | 0.0040% | 6,796 |
| Net loans and leases to total assets | 57.7505% | 4,075 |
| Net loans and leases to deposits | 63.1745% | 4,747 |
| Net loans and leases to core deposits | 79.6378% | 3,106 |
| Total domestic deposits to total assets | 91.4142% | 397 |
| Equity capital to assets | 8.0476% | 6,491 |
| Core capital (leverage) ratio | 8.3444% | 5,816 |
| Tier 1 risk-based capital ratio | 12.1307% | 5,880 |
| Total risk-based capital ratio | 13.3132% | 5,896 |
| Memoranda: | ||
| Average total assets | $618,359,500 | 1,075 |
| Average earning assets | $583,319,000 | 1,035 |
| Average equity | $51,038,500 | 1,389 |
| Average total loans | $368,666,500 | 1,144 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 5,485 |
| Cost of funding earning assets | 0.5275% | 6,424 |
| Net interest margin | 3.8556% | 3,540 |
| Noninterest income to average assets | 0.8382% | 1,890 |
| Noninterest expense to average assets | 2.8711% | 4,074 |
| Loan and lease loss provision to assets | 0.3107% | 3,184 |
| Net operating income to assets | 0.9064% | 2,575 |
| Return on assets (ROA) | 0.9140% | 2,664 |
| Pretax return on assets | 1.3088% | 2,095 |
| Return on Equity (ROE) | 11.0002% | 1,698 |
| Retained earnings to average equity (ytd only) | 11.0002% | 404 |
| Net charge-offs to loans | 0.1723% | 4,769 |
| Credit loss provision to net charge-offs | 298.2456% | 790 |
| Earnings coverage of net charge-offs (x) | 15.4404% | 1,392 |
| Efficiency ratio | 64.0922% | 5,108 |
| Assets per employee ($millions) | 4.5308% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 5,029 |
| Loan loss allowance to noncurrent loans | 500.2169% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 6,556 |
| Noncurrent loans to loans | 0.2554% | 6,219 |
| Net loans and leases to total assets | 60.0335% | 3,985 |
| Net loans and leases to deposits | 66.0655% | 4,719 |
| Net loans and leases to core deposits | 85.0420% | 2,746 |
| Total domestic deposits to total assets | 90.8697% | 556 |
| Equity capital to assets | 8.4773% | 6,169 |
| Core capital (leverage) ratio | 8.5360% | 5,505 |
| Tier 1 risk-based capital ratio | 12.2927% | 5,617 |
| Total risk-based capital ratio | 13.4401% | 5,668 |
| Memoranda: | ||
| Average total assets | $547,134,000 | 1,206 |
| Average earning assets | $516,750,000 | 1,162 |
| Average equity | $45,462,800 | 1,497 |
| Average total loans | $330,746,800 | 1,286 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 5,714 |
| Cost of funding earning assets | 0.5509% | 6,511 |
| Net interest margin | 3.8171% | 3,787 |
| Noninterest income to average assets | 0.8390% | 1,879 |
| Noninterest expense to average assets | 2.9363% | 3,790 |
| Loan and lease loss provision to assets | 0.3112% | 3,036 |
| Net operating income to assets | 0.8437% | 2,969 |
| Return on assets (ROA) | 0.8447% | 3,109 |
| Pretax return on assets | 1.2020% | 2,624 |
| Return on Equity (ROE) | 10.2236% | 2,124 |
| Retained earnings to average equity (ytd only) | 10.2236% | 784 |
| Net charge-offs to loans | 0.2030% | 4,181 |
| Credit loss provision to net charge-offs | 254.0650% | 1,127 |
| Earnings coverage of net charge-offs (x) | 12.3415% | 1,716 |
| Efficiency ratio | 66.0137% | 4,715 |
| Assets per employee ($millions) | 4.3972% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,419 |
| Loan loss allowance to noncurrent loans | 433.0950% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 6,579 |
| Noncurrent loans to loans | 0.2795% | 6,304 |
| Net loans and leases to total assets | 60.5277% | 4,038 |
| Net loans and leases to deposits | 66.6097% | 4,810 |
| Net loans and leases to core deposits | 86.2025% | 2,749 |
| Total domestic deposits to total assets | 90.8693% | 485 |
| Equity capital to assets | 8.5393% | 6,259 |
| Core capital (leverage) ratio | 8.3073% | 5,967 |
| Tier 1 risk-based capital ratio | 12.3175% | 5,650 |
| Total risk-based capital ratio | 13.4101% | 5,763 |
| Memoranda: | ||
| Average total assets | $535,533,250 | 1,243 |
| Average earning assets | $506,345,500 | 1,197 |
| Average equity | $44,249,500 | 1,538 |
| Average total loans | $323,200,250 | 1,322 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3299% | 5,912 |
| Cost of funding earning assets | 0.5645% | 6,608 |
| Net interest margin | 3.7654% | 3,960 |
| Noninterest income to average assets | 0.7908% | 2,070 |
| Noninterest expense to average assets | 2.9345% | 3,883 |
| Loan and lease loss provision to assets | 0.3247% | 2,844 |
| Net operating income to assets | 0.7767% | 3,166 |
| Return on assets (ROA) | 0.7767% | 3,301 |
| Pretax return on assets | 1.0969% | 2,865 |
| Return on Equity (ROE) | 9.5160% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.5160% | 954 |
| Net charge-offs to loans | 0.0528% | 5,120 |
| Credit loss provision to net charge-offs | 1,024.0964% | 327 |
| Earnings coverage of net charge-offs (x) | 44.8313% | 681 |
| Efficiency ratio | 67.3654% | 4,634 |
| Assets per employee ($millions) | 4.6740% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 5,094 |
| Loan loss allowance to noncurrent loans | 839.7233% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 6,824 |
| Noncurrent loans to loans | 0.1539% | 6,597 |
| Net loans and leases to total assets | 57.3789% | 4,749 |
| Net loans and leases to deposits | 62.8631% | 5,405 |
| Net loans and leases to core deposits | 82.1644% | 3,474 |
| Total domestic deposits to total assets | 91.2760% | 402 |
| Equity capital to assets | 8.0827% | 6,612 |
| Core capital (leverage) ratio | 8.3581% | 5,773 |
| Tier 1 risk-based capital ratio | 12.4727% | 5,374 |
| Total risk-based capital ratio | 13.6520% | 5,417 |
| Memoranda: | ||
| Average total assets | $523,497,000 | 1,285 |
| Average earning assets | $495,666,330 | 1,230 |
| Average equity | $42,728,000 | 1,564 |
| Average total loans | $314,186,330 | 1,375 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 5,944 |
| Cost of funding earning assets | 0.5652% | 6,741 |
| Net interest margin | 3.7567% | 3,814 |
| Noninterest income to average assets | 0.7475% | 2,267 |
| Noninterest expense to average assets | 3.0115% | 3,596 |
| Loan and lease loss provision to assets | 0.3582% | 2,408 |
| Net operating income to assets | 0.6751% | 3,632 |
| Return on assets (ROA) | 0.6751% | 3,702 |
| Pretax return on assets | 0.9386% | 3,370 |
| Return on Equity (ROE) | 8.2258% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.2258% | 1,653 |
| Net charge-offs to loans | 0.0873% | 4,080 |
| Credit loss provision to net charge-offs | 671.6418% | 560 |
| Earnings coverage of net charge-offs (x) | 24.3134% | 986 |
| Efficiency ratio | 69.9002% | 4,297 |
| Assets per employee ($millions) | 4.3312% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 5,400 |
| Loan loss allowance to noncurrent loans | 302.4257% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 6,517 |
| Noncurrent loans to loans | 0.4131% | 6,172 |
| Net loans and leases to total assets | 58.2969% | 4,594 |
| Net loans and leases to deposits | 63.8378% | 5,271 |
| Net loans and leases to core deposits | 80.8743% | 3,618 |
| Total domestic deposits to total assets | 91.3203% | 475 |
| Equity capital to assets | 8.0521% | 6,451 |
| Core capital (leverage) ratio | 8.5425% | 5,364 |
| Tier 1 risk-based capital ratio | 11.7178% | 5,926 |
| Total risk-based capital ratio | 12.8025% | 6,043 |
| Memoranda: | ||
| Average total assets | $502,467,500 | 1,346 |
| Average earning assets | $476,273,500 | 1,296 |
| Average equity | $41,236,000 | 1,618 |
| Average total loans | $306,900,000 | 1,428 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8288% | 5,318 |
| Cost of funding earning assets | 0.7570% | 6,711 |
| Net interest margin | 4.0718% | 2,697 |
| Noninterest income to average assets | 1.0125% | 1,465 |
| Noninterest expense to average assets | 3.3046% | 2,726 |
| Loan and lease loss provision to assets | 0.5110% | 3,109 |
| Net operating income to assets | 0.7325% | 3,086 |
| Return on assets (ROA) | 0.7463% | 3,138 |
| Pretax return on assets | 1.0531% | 2,761 |
| Return on Equity (ROE) | 8.9680% | 2,301 |
| Retained earnings to average equity (ytd only) | 8.9680% | 710 |
| Net charge-offs to loans | 0.6481% | 3,073 |
| Credit loss provision to net charge-offs | 117.2083% | 3,650 |
| Earnings coverage of net charge-offs (x) | 3.5429% | 3,312 |
| Efficiency ratio | 68.1468% | 4,534 |
| Assets per employee ($millions) | 4.1814% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 5,766 |
| Loan loss allowance to noncurrent loans | 272.8840% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 6,410 |
| Noncurrent loans to loans | 0.4192% | 6,210 |
| Net loans and leases to total assets | 62.5823% | 4,152 |
| Net loans and leases to deposits | 69.1202% | 4,943 |
| Net loans and leases to core deposits | 81.3210% | 4,002 |
| Total domestic deposits to total assets | 90.5413% | 813 |
| Equity capital to assets | 8.3752% | 6,039 |
| Core capital (leverage) ratio | 8.5210% | 5,325 |
| Tier 1 risk-based capital ratio | 11.8951% | 5,572 |
| Total risk-based capital ratio | 12.9329% | 5,746 |
| Memoranda: | ||
| Average total assets | $430,519,800 | 1,552 |
| Average earning assets | $405,673,000 | 1,498 |
| Average equity | $35,827,200 | 1,846 |
| Average total loans | $289,608,200 | 1,544 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 5,376 |
| Cost of funding earning assets | 0.7999% | 6,762 |
| Net interest margin | 4.0770% | 2,730 |
| Noninterest income to average assets | 1.0426% | 1,333 |
| Noninterest expense to average assets | 3.3469% | 2,440 |
| Loan and lease loss provision to assets | 0.5583% | 2,717 |
| Net operating income to assets | 0.6806% | 3,506 |
| Return on assets (ROA) | 0.6996% | 3,571 |
| Pretax return on assets | 0.9918% | 3,210 |
| Return on Equity (ROE) | 8.4225% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.4225% | 1,270 |
| Net charge-offs to loans | 0.7004% | 2,664 |
| Credit loss provision to net charge-offs | 116.5113% | 3,574 |
| Earnings coverage of net charge-offs (x) | 3.1791% | 3,552 |
| Efficiency ratio | 68.7213% | 4,331 |
| Assets per employee ($millions) | 3.9643% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,969 |
| Loan loss allowance to noncurrent loans | 191.4045% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 6,219 |
| Noncurrent loans to loans | 0.5709% | 6,064 |
| Net loans and leases to total assets | 68.2334% | 3,155 |
| Net loans and leases to deposits | 75.2268% | 4,309 |
| Net loans and leases to core deposits | 93.8995% | 2,535 |
| Total domestic deposits to total assets | 90.7037% | 546 |
| Equity capital to assets | 8.2325% | 6,576 |
| Core capital (leverage) ratio | 8.4021% | 5,695 |
| Tier 1 risk-based capital ratio | 11.3252% | 6,077 |
| Total risk-based capital ratio | 12.3712% | 6,259 |
| Memoranda: | ||
| Average total assets | $417,934,500 | 1,612 |
| Average earning assets | $392,367,500 | 1,563 |
| Average equity | $34,715,750 | 1,930 |
| Average total loans | $285,906,250 | 1,581 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8420% | 5,632 |
| Cost of funding earning assets | 0.8217% | 6,844 |
| Net interest margin | 4.0203% | 2,920 |
| Noninterest income to average assets | 1.0005% | 1,378 |
| Noninterest expense to average assets | 3.3222% | 2,494 |
| Loan and lease loss provision to assets | 0.5411% | 2,615 |
| Net operating income to assets | 0.6413% | 3,671 |
| Return on assets (ROA) | 0.6640% | 3,707 |
| Pretax return on assets | 0.9356% | 3,358 |
| Return on Equity (ROE) | 7.9679% | 2,897 |
| Retained earnings to average equity (ytd only) | 7.9679% | 1,450 |
| Net charge-offs to loans | 0.7458% | 2,374 |
| Credit loss provision to net charge-offs | 106.3830% | 3,834 |
| Earnings coverage of net charge-offs (x) | 2.8404% | 3,565 |
| Efficiency ratio | 69.6935% | 4,247 |
| Assets per employee ($millions) | 3.9348% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 5,864 |
| Loan loss allowance to noncurrent loans | 198.7061% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 6,244 |
| Noncurrent loans to loans | 0.5617% | 6,125 |
| Net loans and leases to total assets | 65.4208% | 3,955 |
| Net loans and leases to deposits | 72.3651% | 4,934 |
| Net loans and leases to core deposits | 90.0624% | 3,247 |
| Total domestic deposits to total assets | 90.4039% | 717 |
| Equity capital to assets | 8.3362% | 6,376 |
| Core capital (leverage) ratio | 8.6056% | 5,225 |
| Tier 1 risk-based capital ratio | 11.6312% | 5,643 |
| Total risk-based capital ratio | 12.6719% | 5,818 |
| Memoranda: | ||
| Average total assets | $406,602,330 | 1,668 |
| Average earning assets | $380,913,330 | 1,622 |
| Average equity | $33,886,000 | 1,968 |
| Average total loans | $277,283,330 | 1,649 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 5,554 |
| Cost of funding earning assets | 0.8384% | 6,974 |
| Net interest margin | 4.0427% | 2,684 |
| Noninterest income to average assets | 0.8541% | 1,799 |
| Noninterest expense to average assets | 3.3653% | 2,328 |
| Loan and lease loss provision to assets | 0.7152% | 1,784 |
| Net operating income to assets | 0.4056% | 4,812 |
| Return on assets (ROA) | 0.4056% | 4,959 |
| Pretax return on assets | 0.5374% | 4,830 |
| Return on Equity (ROE) | 4.8675% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.8675% | 3,231 |
| Net charge-offs to loans | 1.1862% | 1,434 |
| Credit loss provision to net charge-offs | 86.9565% | 3,720 |
| Earnings coverage of net charge-offs (x) | 1.5230% | 3,819 |
| Efficiency ratio | 72.8761% | 3,781 |
| Assets per employee ($millions) | 3.6629% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,961 |
| Loan loss allowance to noncurrent loans | 126.1983% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 5,656 |
| Noncurrent loans to loans | 0.8801% | 5,558 |
| Net loans and leases to total assets | 66.8816% | 3,660 |
| Net loans and leases to deposits | 74.5729% | 4,660 |
| Net loans and leases to core deposits | 91.3006% | 3,203 |
| Total domestic deposits to total assets | 89.6861% | 1,143 |
| Equity capital to assets | 8.6990% | 5,729 |
| Core capital (leverage) ratio | 9.2689% | 4,108 |
| Tier 1 risk-based capital ratio | 11.6902% | 5,501 |
| Total risk-based capital ratio | 12.7076% | 5,693 |
| Memoranda: | ||
| Average total assets | $391,523,500 | 1,758 |
| Average earning assets | $364,506,500 | 1,724 |
| Average equity | $32,624,500 | 2,059 |
| Average total loans | $271,446,500 | 1,731 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4110% | 4,647 |
| Cost of funding earning assets | 1.0056% | 7,198 |
| Net interest margin | 4.4054% | 1,416 |
| Noninterest income to average assets | 1.3137% | 870 |
| Noninterest expense to average assets | 3.7939% | 1,708 |
| Loan and lease loss provision to assets | 0.7180% | 2,959 |
| Net operating income to assets | 0.6494% | 3,137 |
| Return on assets (ROA) | 0.6574% | 3,160 |
| Pretax return on assets | 0.9211% | 2,857 |
| Return on Equity (ROE) | 8.1948% | 2,293 |
| Retained earnings to average equity (ytd only) | 8.1948% | 652 |
| Net charge-offs to loans | 1.0326% | 2,350 |
| Credit loss provision to net charge-offs | 92.6612% | 5,907 |
| Earnings coverage of net charge-offs (x) | 2.1008% | 4,160 |
| Efficiency ratio | 69.9756% | 4,635 |
| Assets per employee ($millions) | 3.4225% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,476 |
| Loan loss allowance to noncurrent loans | 94.1580% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 5,227 |
| Noncurrent loans to loans | 1.2523% | 4,850 |
| Net loans and leases to total assets | 70.3257% | 3,177 |
| Net loans and leases to deposits | 77.8533% | 4,407 |
| Net loans and leases to core deposits | 113.4209% | 2,553 |
| Total domestic deposits to total assets | 90.3310% | 820 |
| Equity capital to assets | 7.9372% | 6,638 |
| Core capital (leverage) ratio | 8.1344% | 5,939 |
| Tier 1 risk-based capital ratio | 10.3369% | 6,550 |
| Total risk-based capital ratio | 11.4365% | 6,668 |
| Memoranda: | ||
| Average total assets | $348,188,600 | 1,956 |
| Average earning assets | $324,692,800 | 1,915 |
| Average equity | $27,932,400 | 2,378 |
| Average total loans | $261,286,800 | 1,824 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4603% | 4,631 |
| Cost of funding earning assets | 1.0349% | 7,315 |
| Net interest margin | 4.4254% | 1,377 |
| Noninterest income to average assets | 1.3242% | 880 |
| Noninterest expense to average assets | 3.8457% | 1,517 |
| Loan and lease loss provision to assets | 0.5668% | 3,120 |
| Net operating income to assets | 0.7334% | 3,080 |
| Return on assets (ROA) | 0.7403% | 3,121 |
| Pretax return on assets | 1.0499% | 2,740 |
| Return on Equity (ROE) | 9.2011% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.2011% | 793 |
| Net charge-offs to loans | 0.7600% | 2,456 |
| Credit loss provision to net charge-offs | 97.9730% | 5,218 |
| Earnings coverage of net charge-offs (x) | 2.7777% | 3,835 |
| Efficiency ratio | 70.5305% | 4,488 |
| Assets per employee ($millions) | 3.2631% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,928 |
| Loan loss allowance to noncurrent loans | 283.1489% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 6,679 |
| Noncurrent loans to loans | 0.4363% | 6,461 |
| Net loans and leases to total assets | 72.7848% | 2,846 |
| Net loans and leases to deposits | 80.6736% | 4,258 |
| Net loans and leases to core deposits | 123.9337% | 1,904 |
| Total domestic deposits to total assets | 90.2213% | 691 |
| Equity capital to assets | 7.9224% | 6,922 |
| Core capital (leverage) ratio | 8.1394% | 6,122 |
| Tier 1 risk-based capital ratio | 10.1087% | 6,873 |
| Total risk-based capital ratio | 11.2764% | 6,905 |
| Memoranda: | ||
| Average total assets | $341,118,250 | 2,013 |
| Average earning assets | $318,217,500 | 1,979 |
| Average equity | $27,445,250 | 2,439 |
| Average total loans | $259,630,000 | 1,860 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5389% | 4,391 |
| Cost of funding earning assets | 1.0518% | 7,460 |
| Net interest margin | 4.4872% | 1,195 |
| Noninterest income to average assets | 1.3021% | 904 |
| Noninterest expense to average assets | 3.9015% | 1,481 |
| Loan and lease loss provision to assets | 0.5405% | 2,870 |
| Net operating income to assets | 0.7204% | 3,166 |
| Return on assets (ROA) | 0.7309% | 3,240 |
| Pretax return on assets | 1.0414% | 2,839 |
| Return on Equity (ROE) | 9.0341% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.0341% | 926 |
| Net charge-offs to loans | 0.8019% | 2,076 |
| Credit loss provision to net charge-offs | 87.5486% | 4,995 |
| Earnings coverage of net charge-offs (x) | 2.5379% | 3,800 |
| Efficiency ratio | 71.3454% | 4,534 |
| Assets per employee ($millions) | 3.0880% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,827 |
| Loan loss allowance to noncurrent loans | 445.3793% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 6,886 |
| Noncurrent loans to loans | 0.2733% | 6,842 |
| Net loans and leases to total assets | 74.4378% | 2,584 |
| Net loans and leases to deposits | 82.7291% | 4,097 |
| Net loans and leases to core deposits | 122.3192% | 2,182 |
| Total domestic deposits to total assets | 89.9778% | 845 |
| Equity capital to assets | 8.0087% | 6,741 |
| Core capital (leverage) ratio | 8.3961% | 5,627 |
| Tier 1 risk-based capital ratio | 10.0173% | 6,901 |
| Total risk-based capital ratio | 11.1675% | 6,947 |
| Memoranda: | ||
| Average total assets | $333,001,670 | 2,089 |
| Average earning assets | $309,194,000 | 2,061 |
| Average equity | $26,942,330 | 2,485 |
| Average total loans | $256,396,000 | 1,908 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6178% | 4,252 |
| Cost of funding earning assets | 1.0701% | 7,564 |
| Net interest margin | 4.5477% | 1,042 |
| Noninterest income to average assets | 1.1871% | 1,028 |
| Noninterest expense to average assets | 3.8060% | 1,460 |
| Loan and lease loss provision to assets | 0.5873% | 2,142 |
| Net operating income to assets | 0.7023% | 3,547 |
| Return on assets (ROA) | 0.7023% | 3,735 |
| Pretax return on assets | 1.0028% | 3,336 |
| Return on Equity (ROE) | 8.6332% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.6332% | 1,590 |
| Net charge-offs to loans | 0.0127% | 5,430 |
| Credit loss provision to net charge-offs | 5,937.5000% | 128 |
| Earnings coverage of net charge-offs (x) | 160.7500% | 272 |
| Efficiency ratio | 70.5316% | 4,470 |
| Assets per employee ($millions) | 2.9465% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 3,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 7,504 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 76.9030% | 2,064 |
| Net loans and leases to deposits | 85.6521% | 3,693 |
| Net loans and leases to core deposits | 116.3865% | 2,762 |
| Total domestic deposits to total assets | 89.7853% | 892 |
| Equity capital to assets | 8.0744% | 6,703 |
| Core capital (leverage) ratio | 8.4402% | 5,643 |
| Tier 1 risk-based capital ratio | 9.7861% | 7,155 |
| Total risk-based capital ratio | 11.0381% | 7,060 |
| Memoranda: | ||
| Average total assets | $323,488,500 | 2,145 |
| Average earning assets | $299,405,500 | 2,129 |
| Average equity | $26,317,000 | 2,541 |
| Average total loans | $251,958,500 | 1,952 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4333% | 3,263 |
| Cost of funding earning assets | 1.5187% | 7,577 |
| Net interest margin | 4.9146% | 620 |
| Noninterest income to average assets | 1.1462% | 1,175 |
| Noninterest expense to average assets | 4.1234% | 1,242 |
| Loan and lease loss provision to assets | 0.4962% | 2,830 |
| Net operating income to assets | 0.7165% | 3,819 |
| Return on assets (ROA) | 0.7175% | 3,649 |
| Pretax return on assets | 1.0227% | 3,299 |
| Return on Equity (ROE) | 8.6149% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.6149% | 675 |
| Net charge-offs to loans | 0.0034% | 6,960 |
| Credit loss provision to net charge-offs | 19,857.1429% | 31 |
| Earnings coverage of net charge-offs (x) | 607.2857% | 91 |
| Efficiency ratio | 73.0983% | 3,729 |
| Assets per employee ($millions) | 2.8051% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 3,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 7,435 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 76.6475% | 2,462 |
| Net loans and leases to deposits | 85.6050% | 4,171 |
| Net loans and leases to core deposits | 105.7403% | 4,221 |
| Total domestic deposits to total assets | 89.5363% | 834 |
| Equity capital to assets | 8.1988% | 6,556 |
| Core capital (leverage) ratio | 8.4417% | 5,675 |
| Tier 1 risk-based capital ratio | 9.7683% | 6,991 |
| Total risk-based capital ratio | 11.0187% | 6,886 |
| Memoranda: | ||
| Average total assets | $280,131,600 | 2,312 |
| Average earning assets | $256,197,800 | 2,316 |
| Average equity | $23,331,600 | 2,811 |
| Average total loans | $206,483,200 | 2,236 |