Home > Investar Bank > Performance and Condition Ratios
Investar Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2877% | 1,513 |
| Cost of funding earning assets | 2.2022% | 636 |
| Net interest margin | 3.0855% | 3,123 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.2285% | 3,047 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 0.7259% | 3,116 |
| Return on assets (ROA) | 0.7166% | 3,123 |
| Pretax return on assets | 0.8821% | 3,009 |
| Return on Equity (ROE) | 7.4300% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.4340% | 1,742 |
| Net charge-offs to loans | -0.1072% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.0912% | 1,649 |
| Assets per employee ($millions) | 8.6281% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 1,453 |
| Loan loss allowance to noncurrent loans | 529.3812% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 1,517 |
| Noncurrent loans to loans | 0.2610% | 2,249 |
| Net loans and leases to total assets | 77.5100% | 915 |
| Net loans and leases to deposits | 96.6113% | 739 |
| Net loans and leases to core deposits | 119.1955% | 647 |
| Total domestic deposits to total assets | 80.2200% | 3,429 |
| Equity capital to assets | 9.8749% | 2,078 |
| Core capital (leverage) ratio | 9.8084% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8855% | 2,278 |
| Memoranda: | ||
| Average total assets | $2,770,178,600 | 425 |
| Average earning assets | $2,518,671,400 | 420 |
| Average equity | $267,044,400 | 432 |
| Average total loans | $2,122,463,000 | 387 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 1,572 |
| Cost of funding earning assets | 2.0267% | 673 |
| Net interest margin | 3.1070% | 3,131 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.2466% | 2,951 |
| Loan and lease loss provision to assets | -0.1200% | 4,555 |
| Net operating income to assets | 0.7520% | 3,162 |
| Return on assets (ROA) | 0.7515% | 3,155 |
| Pretax return on assets | 0.9253% | 3,046 |
| Return on Equity (ROE) | 7.8400% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.8440% | 2,022 |
| Net charge-offs to loans | -0.1423% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.5687% | 1,505 |
| Assets per employee ($millions) | 8.3941% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 1,388 |
| Loan loss allowance to noncurrent loans | 534.0387% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 1,596 |
| Noncurrent loans to loans | 0.2651% | 2,286 |
| Net loans and leases to total assets | 74.3900% | 1,300 |
| Net loans and leases to deposits | 93.8087% | 912 |
| Net loans and leases to core deposits | 111.5321% | 817 |
| Total domestic deposits to total assets | 79.3000% | 3,638 |
| Equity capital to assets | 9.3244% | 2,207 |
| Core capital (leverage) ratio | 10.0451% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7766% | 2,355 |
| Memoranda: | ||
| Average total assets | $2,759,529,250 | 426 |
| Average earning assets | $2,506,686,250 | 420 |
| Average equity | $264,365,500 | 433 |
| Average total loans | $2,100,424,000 | 389 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 1,412 |
| Cost of funding earning assets | 1.8601% | 660 |
| Net interest margin | 3.2143% | 2,951 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.2524% | 2,946 |
| Loan and lease loss provision to assets | -0.1800% | 4,603 |
| Net operating income to assets | 0.8709% | 2,846 |
| Return on assets (ROA) | 0.8708% | 2,844 |
| Pretax return on assets | 1.0754% | 2,706 |
| Return on Equity (ROE) | 9.0100% | 2,987 |
| Retained earnings to average equity (ytd only) | 9.0090% | 1,683 |
| Net charge-offs to loans | -0.1993% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.4292% | 1,729 |
| Assets per employee ($millions) | 8.1383% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 1,387 |
| Loan loss allowance to noncurrent loans | 429.6296% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 1,317 |
| Noncurrent loans to loans | 0.3354% | 1,927 |
| Net loans and leases to total assets | 74.7000% | 1,205 |
| Net loans and leases to deposits | 94.1876% | 842 |
| Net loans and leases to core deposits | 109.5999% | 844 |
| Total domestic deposits to total assets | 79.3100% | 3,678 |
| Equity capital to assets | 9.7852% | 1,983 |
| Core capital (leverage) ratio | 9.9573% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3597% | 2,152 |
| Memoranda: | ||
| Average total assets | $2,750,422,667 | 416 |
| Average earning assets | $2,497,328,000 | 410 |
| Average equity | $265,868,667 | 421 |
| Average total loans | $2,099,558,000 | 379 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 1,309 |
| Cost of funding earning assets | 1.6027% | 694 |
| Net interest margin | 3.3545% | 2,740 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.2971% | 2,822 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.6679% | 3,532 |
| Return on assets (ROA) | 0.6686% | 3,489 |
| Pretax return on assets | 0.8261% | 3,407 |
| Return on Equity (ROE) | 6.9600% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.9594% | 2,505 |
| Net charge-offs to loans | 0.0501% | 867 |
| Credit loss provision to net charge-offs | 210.6061% | 807 |
| Earnings coverage of net charge-offs (x) | 23.5985% | 1,403 |
| Efficiency ratio | 70.4277% | 1,709 |
| Assets per employee ($millions) | 8.2804% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,443 |
| Loan loss allowance to noncurrent loans | 535.4561% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 1,956 |
| Noncurrent loans to loans | 0.2703% | 2,176 |
| Net loans and leases to total assets | 75.6100% | 1,008 |
| Net loans and leases to deposits | 96.7182% | 615 |
| Net loans and leases to core deposits | 111.8473% | 645 |
| Total domestic deposits to total assets | 78.1700% | 3,988 |
| Equity capital to assets | 9.7015% | 1,995 |
| Core capital (leverage) ratio | 9.7242% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0269% | 2,378 |
| Memoranda: | ||
| Average total assets | $2,750,267,500 | 427 |
| Average earning assets | $2,499,079,000 | 426 |
| Average equity | $264,220,000 | 435 |
| Average total loans | $2,106,905,500 | 387 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 887 |
| Cost of funding earning assets | 0.4901% | 1,467 |
| Net interest margin | 3.9090% | 935 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.2801% | 2,807 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.4992% | 879 |
| Return on assets (ROA) | 1.4977% | 853 |
| Pretax return on assets | 1.8634% | 636 |
| Return on Equity (ROE) | 14.5200% | 1,395 |
| Retained earnings to average equity (ytd only) | 14.5238% | 330 |
| Net charge-offs to loans | -0.0298% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.7616% | 3,913 |
| Assets per employee ($millions) | 8.2133% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,604 |
| Loan loss allowance to noncurrent loans | 215.0018% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 1,174 |
| Noncurrent loans to loans | 0.5384% | 1,370 |
| Net loans and leases to total assets | 75.6100% | 1,044 |
| Net loans and leases to deposits | 99.6124% | 456 |
| Net loans and leases to core deposits | 107.2102% | 698 |
| Total domestic deposits to total assets | 75.9100% | 4,256 |
| Equity capital to assets | 9.5127% | 1,998 |
| Core capital (leverage) ratio | 9.8860% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9227% | 2,405 |
| Memoranda: | ||
| Average total assets | $2,615,558,400 | 438 |
| Average earning assets | $2,376,399,600 | 436 |
| Average equity | $269,709,200 | 418 |
| Average total loans | $1,955,383,000 | 383 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 769 |
| Cost of funding earning assets | 0.3162% | 2,002 |
| Net interest margin | 3.9589% | 695 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.3735% | 2,410 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.5252% | 796 |
| Return on assets (ROA) | 1.5231% | 778 |
| Pretax return on assets | 1.9092% | 570 |
| Return on Equity (ROE) | 14.4700% | 1,301 |
| Retained earnings to average equity (ytd only) | 14.4714% | 411 |
| Net charge-offs to loans | -0.0452% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.5054% | 3,864 |
| Assets per employee ($millions) | 7.5492% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,768 |
| Loan loss allowance to noncurrent loans | 176.6146% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 912 |
| Noncurrent loans to loans | 0.6539% | 1,246 |
| Net loans and leases to total assets | 74.6100% | 1,049 |
| Net loans and leases to deposits | 96.3244% | 544 |
| Net loans and leases to core deposits | 99.8609% | 819 |
| Total domestic deposits to total assets | 77.4500% | 4,295 |
| Equity capital to assets | 9.4217% | 1,931 |
| Core capital (leverage) ratio | 9.8403% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7658% | 2,564 |
| Memoranda: | ||
| Average total assets | $2,581,584,250 | 441 |
| Average earning assets | $2,344,377,500 | 439 |
| Average equity | $271,702,250 | 415 |
| Average total loans | $1,918,037,000 | 386 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 702 |
| Cost of funding earning assets | 0.2371% | 2,425 |
| Net interest margin | 3.9120% | 591 |
| Noninterest income to average assets | 0.9647% | 723 |
| Noninterest expense to average assets | 2.3686% | 2,340 |
| Loan and lease loss provision to assets | 0.0385% | 1,895 |
| Net operating income to assets | 1.6762% | 452 |
| Return on assets (ROA) | 1.6742% | 450 |
| Pretax return on assets | 2.1094% | 289 |
| Return on Equity (ROE) | 15.3500% | 826 |
| Retained earnings to average equity (ytd only) | 15.3500% | 238 |
| Net charge-offs to loans | -0.0638% | 4,322 |
| Credit loss provision to net charge-offs | -81.5920% | 3,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6248% | 4,157 |
| Assets per employee ($millions) | 7.7248% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 2,953 |
| Loan loss allowance to noncurrent loans | 128.9288% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 659 |
| Noncurrent loans to loans | 0.8885% | 948 |
| Net loans and leases to total assets | 73.2061% | 983 |
| Net loans and leases to deposits | 91.6941% | 625 |
| Net loans and leases to core deposits | 94.8370% | 876 |
| Total domestic deposits to total assets | 79.8373% | 4,241 |
| Equity capital to assets | 10.2829% | 1,543 |
| Core capital (leverage) ratio | 10.0463% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9815% | 2,509 |
| Memoranda: | ||
| Average total assets | $2,556,340,000 | 441 |
| Average earning assets | $2,322,638,667 | 442 |
| Average equity | $278,815,000 | 409 |
| Average total loans | $1,888,823,667 | 384 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 605 |
| Cost of funding earning assets | 0.2314% | 2,380 |
| Net interest margin | 3.8976% | 505 |
| Noninterest income to average assets | 0.9226% | 805 |
| Noninterest expense to average assets | 2.3982% | 2,174 |
| Loan and lease loss provision to assets | -0.0707% | 4,551 |
| Net operating income to assets | 1.7021% | 411 |
| Return on assets (ROA) | 1.7001% | 415 |
| Pretax return on assets | 2.1385% | 277 |
| Return on Equity (ROE) | 15.1460% | 626 |
| Retained earnings to average equity (ytd only) | 15.1460% | 278 |
| Net charge-offs to loans | -0.1446% | 4,542 |
| Credit loss provision to net charge-offs | 66.2242% | 1,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8504% | 4,135 |
| Assets per employee ($millions) | 7.6068% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,223 |
| Loan loss allowance to noncurrent loans | 82.0928% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.1334% | 405 |
| Noncurrent loans to loans | 1.3682% | 630 |
| Net loans and leases to total assets | 72.2005% | 815 |
| Net loans and leases to deposits | 84.8157% | 823 |
| Net loans and leases to core deposits | 87.4863% | 1,050 |
| Total domestic deposits to total assets | 85.1263% | 3,515 |
| Equity capital to assets | 10.9176% | 1,375 |
| Core capital (leverage) ratio | 10.0326% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0448% | 2,591 |
| Memoranda: | ||
| Average total assets | $2,540,601,000 | 450 |
| Average earning assets | $2,311,373,500 | 450 |
| Average equity | $285,171,500 | 413 |
| Average total loans | $1,875,038,000 | 384 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 1,092 |
| Cost of funding earning assets | 0.3882% | 1,622 |
| Net interest margin | 3.7546% | 1,094 |
| Noninterest income to average assets | 0.3786% | 3,169 |
| Noninterest expense to average assets | 2.4727% | 2,262 |
| Loan and lease loss provision to assets | 0.9083% | 42 |
| Net operating income to assets | 0.3458% | 4,361 |
| Return on assets (ROA) | 0.4191% | 4,284 |
| Pretax return on assets | 0.5245% | 4,221 |
| Return on Equity (ROE) | 3.7201% | 4,259 |
| Retained earnings to average equity (ytd only) | 3.7201% | 3,333 |
| Net charge-offs to loans | 1.1899% | 52 |
| Credit loss provision to net charge-offs | 102.2199% | 1,769 |
| Earnings coverage of net charge-offs (x) | 1.5095% | 2,615 |
| Efficiency ratio | 63.8049% | 2,589 |
| Assets per employee ($millions) | 7.3180% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,299 |
| Loan loss allowance to noncurrent loans | 70.5936% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.2829% | 370 |
| Noncurrent loans to loans | 1.5779% | 563 |
| Net loans and leases to total assets | 73.7732% | 681 |
| Net loans and leases to deposits | 87.2290% | 697 |
| Net loans and leases to core deposits | 90.3887% | 957 |
| Total domestic deposits to total assets | 84.5742% | 3,400 |
| Equity capital to assets | 11.5390% | 1,490 |
| Core capital (leverage) ratio | 9.6039% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7492% | 2,714 |
| Memoranda: | ||
| Average total assets | $2,519,565,800 | 434 |
| Average earning assets | $2,305,358,200 | 435 |
| Average equity | $283,837,000 | 409 |
| Average total loans | $1,881,539,400 | 382 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 1,213 |
| Cost of funding earning assets | 0.4252% | 1,520 |
| Net interest margin | 3.7165% | 1,302 |
| Noninterest income to average assets | 0.4157% | 3,004 |
| Noninterest expense to average assets | 2.5671% | 1,935 |
| Loan and lease loss provision to assets | 1.1751% | 26 |
| Net operating income to assets | 0.0592% | 4,717 |
| Return on assets (ROA) | 0.1557% | 4,679 |
| Pretax return on assets | 0.2000% | 4,666 |
| Return on Equity (ROE) | 1.3905% | 4,653 |
| Retained earnings to average equity (ytd only) | 1.3905% | 4,326 |
| Net charge-offs to loans | 1.5588% | 39 |
| Credit loss provision to net charge-offs | 100.9217% | 1,568 |
| Earnings coverage of net charge-offs (x) | 1.0761% | 2,387 |
| Efficiency ratio | 66.1758% | 2,077 |
| Assets per employee ($millions) | 7.7142% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,469 |
| Loan loss allowance to noncurrent loans | 62.4366% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.2471% | 464 |
| Noncurrent loans to loans | 1.7512% | 564 |
| Net loans and leases to total assets | 69.1019% | 1,178 |
| Net loans and leases to deposits | 80.6740% | 1,223 |
| Net loans and leases to core deposits | 88.5221% | 1,122 |
| Total domestic deposits to total assets | 85.6557% | 2,891 |
| Equity capital to assets | 10.4843% | 2,467 |
| Core capital (leverage) ratio | 8.9923% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5251% | 2,856 |
| Memoranda: | ||
| Average total assets | $2,521,935,250 | 434 |
| Average earning assets | $2,310,116,250 | 440 |
| Average equity | $282,386,250 | 414 |
| Average total loans | $1,883,766,250 | 386 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 1,214 |
| Cost of funding earning assets | 0.4554% | 1,484 |
| Net interest margin | 3.7308% | 1,269 |
| Noninterest income to average assets | 0.3233% | 3,492 |
| Noninterest expense to average assets | 2.6221% | 1,806 |
| Loan and lease loss provision to assets | 0.0417% | 2,176 |
| Net operating income to assets | 0.8539% | 3,355 |
| Return on assets (ROA) | 1.0021% | 2,958 |
| Pretax return on assets | 1.2669% | 2,719 |
| Return on Equity (ROE) | 8.7470% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.7470% | 1,803 |
| Net charge-offs to loans | 0.0459% | 1,172 |
| Credit loss provision to net charge-offs | 118.7067% | 1,268 |
| Earnings coverage of net charge-offs (x) | 31.9099% | 1,277 |
| Efficiency ratio | 68.9917% | 1,761 |
| Assets per employee ($millions) | 7.4611% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,628 |
| Loan loss allowance to noncurrent loans | 97.8229% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 933 |
| Noncurrent loans to loans | 1.0729% | 1,131 |
| Net loans and leases to total assets | 72.1570% | 947 |
| Net loans and leases to deposits | 85.0418% | 984 |
| Net loans and leases to core deposits | 92.7949% | 959 |
| Total domestic deposits to total assets | 84.8489% | 3,159 |
| Equity capital to assets | 11.0014% | 1,971 |
| Core capital (leverage) ratio | 9.4941% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1144% | 2,675 |
| Memoranda: | ||
| Average total assets | $2,465,166,667 | 438 |
| Average earning assets | $2,259,616,333 | 444 |
| Average equity | $282,427,667 | 410 |
| Average total loans | $1,884,702,667 | 383 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 1,143 |
| Cost of funding earning assets | 0.4913% | 1,447 |
| Net interest margin | 3.7402% | 1,251 |
| Noninterest income to average assets | 0.2899% | 3,673 |
| Noninterest expense to average assets | 2.4714% | 2,260 |
| Loan and lease loss provision to assets | 0.0677% | 1,801 |
| Net operating income to assets | 0.9364% | 3,025 |
| Return on assets (ROA) | 1.0155% | 2,848 |
| Pretax return on assets | 1.2866% | 2,601 |
| Return on Equity (ROE) | 8.6689% | 3,141 |
| Retained earnings to average equity (ytd only) | 8.6689% | 2,046 |
| Net charge-offs to loans | 0.0734% | 832 |
| Credit loss provision to net charge-offs | 117.6471% | 1,051 |
| Earnings coverage of net charge-offs (x) | 21.7853% | 1,220 |
| Efficiency ratio | 65.2850% | 2,333 |
| Assets per employee ($millions) | 7.5433% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 3,398 |
| Loan loss allowance to noncurrent loans | 137.2975% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 1,378 |
| Noncurrent loans to loans | 0.8058% | 1,649 |
| Net loans and leases to total assets | 75.8646% | 640 |
| Net loans and leases to deposits | 90.2173% | 688 |
| Net loans and leases to core deposits | 97.2902% | 828 |
| Total domestic deposits to total assets | 84.0910% | 3,401 |
| Equity capital to assets | 11.7111% | 1,433 |
| Core capital (leverage) ratio | 10.5559% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9501% | 2,306 |
| Memoranda: | ||
| Average total assets | $2,362,206,500 | 449 |
| Average earning assets | $2,169,926,000 | 451 |
| Average equity | $276,712,500 | 412 |
| Average total loans | $1,853,144,000 | 385 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 1,308 |
| Cost of funding earning assets | 0.8432% | 1,042 |
| Net interest margin | 3.6599% | 1,938 |
| Noninterest income to average assets | 0.4247% | 2,994 |
| Noninterest expense to average assets | 2.4800% | 2,904 |
| Loan and lease loss provision to assets | 0.4922% | 513 |
| Net operating income to assets | 0.6493% | 3,599 |
| Return on assets (ROA) | 0.7305% | 3,456 |
| Pretax return on assets | 0.9129% | 3,333 |
| Return on Equity (ROE) | 6.3350% | 3,475 |
| Retained earnings to average equity (ytd only) | 6.3350% | 1,654 |
| Net charge-offs to loans | 0.0839% | 1,622 |
| Credit loss provision to net charge-offs | 745.4910% | 960 |
| Earnings coverage of net charge-offs (x) | 19.7462% | 1,964 |
| Efficiency ratio | 64.3957% | 2,751 |
| Assets per employee ($millions) | 7.1768% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,492 |
| Loan loss allowance to noncurrent loans | 147.2698% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 1,685 |
| Noncurrent loans to loans | 0.7433% | 1,844 |
| Net loans and leases to total assets | 79.3737% | 467 |
| Net loans and leases to deposits | 96.5215% | 520 |
| Net loans and leases to core deposits | 104.9730% | 690 |
| Total domestic deposits to total assets | 82.2343% | 3,611 |
| Equity capital to assets | 11.7174% | 1,723 |
| Core capital (leverage) ratio | 10.4664% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6199% | 2,394 |
| Memoranda: | ||
| Average total assets | $2,267,485,400 | 428 |
| Average earning assets | $2,081,064,000 | 427 |
| Average equity | $261,451,200 | 407 |
| Average total loans | $1,785,147,800 | 382 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,423 |
| Cost of funding earning assets | 0.9278% | 970 |
| Net interest margin | 3.6336% | 2,146 |
| Noninterest income to average assets | 0.4077% | 3,040 |
| Noninterest expense to average assets | 2.4735% | 2,924 |
| Loan and lease loss provision to assets | 0.5180% | 555 |
| Net operating income to assets | 0.6016% | 3,760 |
| Return on assets (ROA) | 0.7105% | 3,529 |
| Pretax return on assets | 0.8857% | 3,417 |
| Return on Equity (ROE) | 6.1873% | 3,484 |
| Retained earnings to average equity (ytd only) | 6.1873% | 2,023 |
| Net charge-offs to loans | 0.0313% | 2,206 |
| Credit loss provision to net charge-offs | 2,110.8434% | 453 |
| Earnings coverage of net charge-offs (x) | 51.6578% | 1,174 |
| Efficiency ratio | 64.9370% | 2,603 |
| Assets per employee ($millions) | 7.3153% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 3,512 |
| Loan loss allowance to noncurrent loans | 153.7996% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 2,094 |
| Noncurrent loans to loans | 0.6768% | 2,100 |
| Net loans and leases to total assets | 78.0795% | 822 |
| Net loans and leases to deposits | 97.8090% | 634 |
| Net loans and leases to core deposits | 102.3461% | 1,010 |
| Total domestic deposits to total assets | 79.8285% | 3,895 |
| Equity capital to assets | 11.4256% | 2,066 |
| Core capital (leverage) ratio | 10.2345% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4980% | 2,419 |
| Memoranda: | ||
| Average total assets | $2,254,834,000 | 423 |
| Average earning assets | $2,068,594,250 | 423 |
| Average equity | $258,909,250 | 399 |
| Average total loans | $1,766,355,250 | 379 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 1,597 |
| Cost of funding earning assets | 1.0122% | 955 |
| Net interest margin | 3.6103% | 2,451 |
| Noninterest income to average assets | 0.3939% | 3,125 |
| Noninterest expense to average assets | 2.5072% | 2,943 |
| Loan and lease loss provision to assets | 0.5606% | 584 |
| Net operating income to assets | 0.5152% | 3,970 |
| Return on assets (ROA) | 0.6128% | 3,772 |
| Pretax return on assets | 0.7636% | 3,698 |
| Return on Equity (ROE) | 5.3275% | 3,737 |
| Retained earnings to average equity (ytd only) | 5.3275% | 2,338 |
| Net charge-offs to loans | 0.0347% | 2,046 |
| Credit loss provision to net charge-offs | 2,066.0066% | 470 |
| Earnings coverage of net charge-offs (x) | 44.3069% | 1,178 |
| Efficiency ratio | 66.3770% | 2,460 |
| Assets per employee ($millions) | 7.0347% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 3,922 |
| Loan loss allowance to noncurrent loans | 127.6105% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 2,139 |
| Noncurrent loans to loans | 0.7196% | 2,078 |
| Net loans and leases to total assets | 76.2661% | 1,093 |
| Net loans and leases to deposits | 93.9934% | 968 |
| Net loans and leases to core deposits | 99.0486% | 1,325 |
| Total domestic deposits to total assets | 81.1398% | 3,571 |
| Equity capital to assets | 11.0524% | 2,297 |
| Core capital (leverage) ratio | 10.0886% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2457% | 2,501 |
| Memoranda: | ||
| Average total assets | $2,233,457,667 | 419 |
| Average earning assets | $2,051,049,333 | 415 |
| Average equity | $256,893,667 | 401 |
| Average total loans | $1,745,247,000 | 380 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 1,622 |
| Cost of funding earning assets | 1.1203% | 989 |
| Net interest margin | 3.6085% | 2,636 |
| Noninterest income to average assets | 0.3372% | 3,500 |
| Noninterest expense to average assets | 2.5293% | 3,181 |
| Loan and lease loss provision to assets | 0.6925% | 385 |
| Net operating income to assets | 0.3453% | 4,249 |
| Return on assets (ROA) | 0.3718% | 4,232 |
| Pretax return on assets | 0.4676% | 4,176 |
| Return on Equity (ROE) | 3.1657% | 4,173 |
| Retained earnings to average equity (ytd only) | 3.1657% | 3,012 |
| Net charge-offs to loans | 0.0531% | 1,479 |
| Credit loss provision to net charge-offs | 1,656.3877% | 394 |
| Earnings coverage of net charge-offs (x) | 26.9559% | 1,243 |
| Efficiency ratio | 67.9025% | 2,686 |
| Assets per employee ($millions) | 6.5598% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 4,354 |
| Loan loss allowance to noncurrent loans | 188.3419% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 3,050 |
| Noncurrent loans to loans | 0.4369% | 2,942 |
| Net loans and leases to total assets | 78.0673% | 973 |
| Net loans and leases to deposits | 97.8039% | 738 |
| Net loans and leases to core deposits | 104.2919% | 1,170 |
| Total domestic deposits to total assets | 79.8202% | 3,889 |
| Equity capital to assets | 11.6073% | 2,357 |
| Core capital (leverage) ratio | 10.5155% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8689% | 2,765 |
| Memoranda: | ||
| Average total assets | $2,171,869,000 | 419 |
| Average earning assets | $1,997,618,000 | 412 |
| Average equity | $255,108,500 | 405 |
| Average total loans | $1,710,885,000 | 379 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 1,782 |
| Cost of funding earning assets | 1.2547% | 877 |
| Net interest margin | 3.6354% | 3,015 |
| Noninterest income to average assets | 0.2999% | 3,891 |
| Noninterest expense to average assets | 2.4043% | 3,682 |
| Loan and lease loss provision to assets | 0.0962% | 2,112 |
| Net operating income to assets | 0.9240% | 3,114 |
| Return on assets (ROA) | 0.9351% | 3,154 |
| Pretax return on assets | 1.1655% | 2,965 |
| Return on Equity (ROE) | 8.0492% | 3,143 |
| Retained earnings to average equity (ytd only) | 5.1840% | 2,318 |
| Net charge-offs to loans | 0.0429% | 2,532 |
| Credit loss provision to net charge-offs | 288.2175% | 972 |
| Earnings coverage of net charge-offs (x) | 37.3731% | 1,376 |
| Efficiency ratio | 64.6868% | 2,977 |
| Assets per employee ($millions) | 6.6241% | 1,226 |
| Cash dividends to net income (ytd only)* | 35.5968% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 4,686 |
| Loan loss allowance to noncurrent loans | 171.0905% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 3,249 |
| Noncurrent loans to loans | 0.3696% | 3,121 |
| Net loans and leases to total assets | 78.3374% | 1,021 |
| Net loans and leases to deposits | 96.4548% | 899 |
| Net loans and leases to core deposits | 102.9523% | 1,316 |
| Total domestic deposits to total assets | 81.2168% | 3,721 |
| Equity capital to assets | 11.8881% | 2,208 |
| Core capital (leverage) ratio | 10.7688% | 2,702 |
| Tier 1 risk-based capital ratio | 12.4261% | 4,118 |
| Total risk-based capital ratio | 13.0295% | 4,358 |
| Memoranda: | ||
| Average total assets | $1,982,723,400 | 431 |
| Average earning assets | $1,828,283,000 | 420 |
| Average equity | $230,345,400 | 421 |
| Average total loans | $1,543,473,800 | 397 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 1,804 |
| Cost of funding earning assets | 1.2610% | 880 |
| Net interest margin | 3.6444% | 3,113 |
| Noninterest income to average assets | 0.3049% | 3,916 |
| Noninterest expense to average assets | 2.3409% | 3,846 |
| Loan and lease loss provision to assets | 0.0805% | 2,299 |
| Net operating income to assets | 1.0007% | 2,981 |
| Return on assets (ROA) | 1.0142% | 3,008 |
| Pretax return on assets | 1.2619% | 2,779 |
| Return on Equity (ROE) | 8.7863% | 2,969 |
| Retained earnings to average equity (ytd only) | 4.8604% | 2,955 |
| Net charge-offs to loans | 0.0254% | 2,591 |
| Credit loss provision to net charge-offs | 408.3624% | 741 |
| Earnings coverage of net charge-offs (x) | 67.2678% | 985 |
| Efficiency ratio | 62.7472% | 3,207 |
| Assets per employee ($millions) | 7.1124% | 987 |
| Cash dividends to net income (ytd only)* | 44.6822% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6518% | 4,726 |
| Loan loss allowance to noncurrent loans | 182.4100% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 3,405 |
| Noncurrent loans to loans | 0.3573% | 3,261 |
| Net loans and leases to total assets | 78.0226% | 1,141 |
| Net loans and leases to deposits | 99.4047% | 687 |
| Net loans and leases to core deposits | 106.5614% | 1,143 |
| Total domestic deposits to total assets | 78.4898% | 4,268 |
| Equity capital to assets | 11.6968% | 2,505 |
| Core capital (leverage) ratio | 10.5790% | 3,026 |
| Tier 1 risk-based capital ratio | 12.4673% | 4,163 |
| Total risk-based capital ratio | 13.0925% | 4,377 |
| Memoranda: | ||
| Average total assets | $1,941,855,250 | 440 |
| Average earning assets | $1,791,148,000 | 432 |
| Average equity | $224,146,500 | 430 |
| Average total loans | $1,506,348,500 | 406 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 1,859 |
| Cost of funding earning assets | 1.2237% | 931 |
| Net interest margin | 3.6421% | 3,127 |
| Noninterest income to average assets | 0.2864% | 4,029 |
| Noninterest expense to average assets | 2.3555% | 3,861 |
| Loan and lease loss provision to assets | 0.0662% | 2,494 |
| Net operating income to assets | 0.9854% | 2,974 |
| Return on assets (ROA) | 1.0056% | 2,971 |
| Pretax return on assets | 1.2542% | 2,728 |
| Return on Equity (ROE) | 8.7530% | 2,955 |
| Retained earnings to average equity (ytd only) | 2.7559% | 3,829 |
| Net charge-offs to loans | 0.0223% | 2,402 |
| Credit loss provision to net charge-offs | 384.2424% | 745 |
| Earnings coverage of net charge-offs (x) | 75.1879% | 853 |
| Efficiency ratio | 63.4630% | 3,219 |
| Assets per employee ($millions) | 7.0173% | 993 |
| Cash dividends to net income (ytd only)* | 68.5145% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6430% | 4,804 |
| Loan loss allowance to noncurrent loans | 173.4359% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 3,083 |
| Noncurrent loans to loans | 0.3708% | 3,196 |
| Net loans and leases to total assets | 76.6717% | 1,438 |
| Net loans and leases to deposits | 98.7836% | 765 |
| Net loans and leases to core deposits | 107.4345% | 1,144 |
| Total domestic deposits to total assets | 77.6158% | 4,462 |
| Equity capital to assets | 11.5156% | 2,597 |
| Core capital (leverage) ratio | 10.5327% | 3,051 |
| Tier 1 risk-based capital ratio | 11.9547% | 4,444 |
| Total risk-based capital ratio | 12.5481% | 4,679 |
| Memoranda: | ||
| Average total assets | $1,915,829,670 | 446 |
| Average earning assets | $1,769,707,000 | 439 |
| Average equity | $220,106,330 | 437 |
| Average total loans | $1,479,684,000 | 412 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 2,023 |
| Cost of funding earning assets | 1.1865% | 941 |
| Net interest margin | 3.5768% | 3,340 |
| Noninterest income to average assets | 0.2553% | 4,180 |
| Noninterest expense to average assets | 2.3866% | 3,801 |
| Loan and lease loss provision to assets | 0.0566% | 2,538 |
| Net operating income to assets | 0.9038% | 3,219 |
| Return on assets (ROA) | 0.9051% | 3,263 |
| Pretax return on assets | 1.1280% | 3,054 |
| Return on Equity (ROE) | 7.8881% | 3,314 |
| Retained earnings to average equity (ytd only) | 1.1907% | 4,275 |
| Net charge-offs to loans | 0.0215% | 2,019 |
| Credit loss provision to net charge-offs | 339.7436% | 765 |
| Earnings coverage of net charge-offs (x) | 71.0385% | 835 |
| Efficiency ratio | 65.9709% | 2,943 |
| Assets per employee ($millions) | 7.0879% | 966 |
| Cash dividends to net income (ytd only)* | 84.9057% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6450% | 4,857 |
| Loan loss allowance to noncurrent loans | 159.9270% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 2,994 |
| Noncurrent loans to loans | 0.4033% | 3,140 |
| Net loans and leases to total assets | 75.6503% | 1,540 |
| Net loans and leases to deposits | 96.8993% | 898 |
| Net loans and leases to core deposits | 105.2694% | 1,221 |
| Total domestic deposits to total assets | 78.0710% | 4,502 |
| Equity capital to assets | 11.4940% | 2,403 |
| Core capital (leverage) ratio | 10.9184% | 2,649 |
| Tier 1 risk-based capital ratio | 12.4804% | 4,183 |
| Total risk-based capital ratio | 13.0884% | 4,448 |
| Memoranda: | ||
| Average total assets | $1,873,777,500 | 458 |
| Average earning assets | $1,736,176,000 | 449 |
| Average equity | $215,007,000 | 448 |
| Average total loans | $1,447,872,000 | 422 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 1,787 |
| Cost of funding earning assets | 0.9584% | 896 |
| Net interest margin | 3.7514% | 2,849 |
| Noninterest income to average assets | 0.2558% | 4,398 |
| Noninterest expense to average assets | 2.4074% | 3,861 |
| Loan and lease loss provision to assets | 0.1516% | 1,397 |
| Net operating income to assets | 0.9226% | 3,357 |
| Return on assets (ROA) | 0.9228% | 3,342 |
| Pretax return on assets | 1.1680% | 3,027 |
| Return on Equity (ROE) | 7.8884% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.8714% | 2,256 |
| Net charge-offs to loans | 0.0764% | 2,032 |
| Credit loss provision to net charge-offs | 255.2135% | 1,171 |
| Earnings coverage of net charge-offs (x) | 22.2115% | 1,911 |
| Efficiency ratio | 63.8418% | 3,212 |
| Assets per employee ($millions) | 6.9425% | 1,002 |
| Cash dividends to net income (ytd only)* | 25.5689% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6749% | 4,856 |
| Loan loss allowance to noncurrent loans | 158.9175% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 2,451 |
| Noncurrent loans to loans | 0.4247% | 3,017 |
| Net loans and leases to total assets | 77.9825% | 1,274 |
| Net loans and leases to deposits | 102.1322% | 581 |
| Net loans and leases to core deposits | 110.5952% | 965 |
| Total domestic deposits to total assets | 76.3545% | 4,712 |
| Equity capital to assets | 11.4531% | 2,289 |
| Core capital (leverage) ratio | 10.7196% | 2,819 |
| Tier 1 risk-based capital ratio | 12.6653% | 4,039 |
| Total risk-based capital ratio | 13.3076% | 4,273 |
| Memoranda: | ||
| Average total assets | $1,695,257,800 | 485 |
| Average earning assets | $1,568,534,800 | 473 |
| Average equity | $198,317,200 | 455 |
| Average total loans | $1,318,255,600 | 442 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 1,821 |
| Cost of funding earning assets | 0.8874% | 971 |
| Net interest margin | 3.7655% | 2,770 |
| Noninterest income to average assets | 0.2907% | 4,215 |
| Noninterest expense to average assets | 2.4402% | 3,761 |
| Loan and lease loss provision to assets | 0.1576% | 1,235 |
| Net operating income to assets | 0.9212% | 3,429 |
| Return on assets (ROA) | 0.9211% | 3,430 |
| Pretax return on assets | 1.1729% | 3,106 |
| Return on Equity (ROE) | 7.8300% | 3,613 |
| Retained earnings to average equity (ytd only) | 6.4751% | 2,399 |
| Net charge-offs to loans | 0.0871% | 1,631 |
| Credit loss provision to net charge-offs | 233.1368% | 1,239 |
| Earnings coverage of net charge-offs (x) | 19.6875% | 1,989 |
| Efficiency ratio | 63.9494% | 3,196 |
| Assets per employee ($millions) | 6.8521% | 993 |
| Cash dividends to net income (ytd only)* | 17.3040% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6641% | 4,945 |
| Loan loss allowance to noncurrent loans | 142.1525% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 2,351 |
| Noncurrent loans to loans | 0.4672% | 2,988 |
| Net loans and leases to total assets | 77.8384% | 1,369 |
| Net loans and leases to deposits | 104.0146% | 547 |
| Net loans and leases to core deposits | 111.9738% | 914 |
| Total domestic deposits to total assets | 74.8341% | 4,904 |
| Equity capital to assets | 11.5366% | 2,238 |
| Core capital (leverage) ratio | 10.9826% | 2,597 |
| Tier 1 risk-based capital ratio | 12.9570% | 3,935 |
| Total risk-based capital ratio | 13.5939% | 4,181 |
| Memoranda: | ||
| Average total assets | $1,673,019,750 | 489 |
| Average earning assets | $1,546,144,250 | 476 |
| Average equity | $196,809,750 | 455 |
| Average total loans | $1,297,613,250 | 444 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 1,766 |
| Cost of funding earning assets | 0.8215% | 1,039 |
| Net interest margin | 3.7841% | 2,624 |
| Noninterest income to average assets | 0.2891% | 4,252 |
| Noninterest expense to average assets | 2.4799% | 3,684 |
| Loan and lease loss provision to assets | 0.1442% | 1,335 |
| Net operating income to assets | 0.8557% | 3,647 |
| Return on assets (ROA) | 0.8544% | 3,655 |
| Pretax return on assets | 1.1612% | 3,094 |
| Return on Equity (ROE) | 7.2144% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.7035% | 2,206 |
| Net charge-offs to loans | 0.0991% | 1,364 |
| Credit loss provision to net charge-offs | 188.3096% | 1,355 |
| Earnings coverage of net charge-offs (x) | 17.0632% | 1,972 |
| Efficiency ratio | 64.7004% | 3,213 |
| Assets per employee ($millions) | 6.3733% | 1,224 |
| Cash dividends to net income (ytd only)* | 7.0811% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 5,030 |
| Loan loss allowance to noncurrent loans | 198.5667% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 2,756 |
| Noncurrent loans to loans | 0.3273% | 3,528 |
| Net loans and leases to total assets | 76.2019% | 1,603 |
| Net loans and leases to deposits | 104.8806% | 489 |
| Net loans and leases to core deposits | 110.8394% | 947 |
| Total domestic deposits to total assets | 72.6559% | 5,139 |
| Equity capital to assets | 11.7125% | 2,056 |
| Core capital (leverage) ratio | 11.1414% | 2,398 |
| Tier 1 risk-based capital ratio | 13.2090% | 3,785 |
| Total risk-based capital ratio | 13.8246% | 4,037 |
| Memoranda: | ||
| Average total assets | $1,652,833,000 | 491 |
| Average earning assets | $1,527,771,670 | 483 |
| Average equity | $195,747,330 | 456 |
| Average total loans | $1,277,347,000 | 451 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5518% | 1,711 |
| Cost of funding earning assets | 0.7834% | 1,026 |
| Net interest margin | 3.7684% | 2,554 |
| Noninterest income to average assets | 0.2810% | 4,294 |
| Noninterest expense to average assets | 2.5565% | 3,471 |
| Loan and lease loss provision to assets | 0.1532% | 1,182 |
| Net operating income to assets | 0.6979% | 4,107 |
| Return on assets (ROA) | 0.6965% | 4,118 |
| Pretax return on assets | 1.0554% | 3,334 |
| Return on Equity (ROE) | 5.8475% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.8184% | 3,252 |
| Net charge-offs to loans | 0.1223% | 1,055 |
| Credit loss provision to net charge-offs | 161.4987% | 1,184 |
| Earnings coverage of net charge-offs (x) | 12.7571% | 1,789 |
| Efficiency ratio | 67.0680% | 2,993 |
| Assets per employee ($millions) | 6.5428% | 1,178 |
| Cash dividends to net income (ytd only)* | 17.5994% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6387% | 5,120 |
| Loan loss allowance to noncurrent loans | 146.7774% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 2,525 |
| Noncurrent loans to loans | 0.4351% | 3,225 |
| Net loans and leases to total assets | 77.0173% | 1,388 |
| Net loans and leases to deposits | 103.0922% | 529 |
| Net loans and leases to core deposits | 108.8821% | 1,069 |
| Total domestic deposits to total assets | 74.7072% | 5,088 |
| Equity capital to assets | 11.8754% | 1,863 |
| Core capital (leverage) ratio | 11.0607% | 2,371 |
| Tier 1 risk-based capital ratio | 13.3100% | 3,773 |
| Total risk-based capital ratio | 13.9207% | 4,033 |
| Memoranda: | ||
| Average total assets | $1,631,594,000 | 503 |
| Average earning assets | $1,509,305,000 | 494 |
| Average equity | $194,339,000 | 463 |
| Average total loans | $1,265,865,000 | 456 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 2,380 |
| Cost of funding earning assets | 0.7883% | 660 |
| Net interest margin | 3.4970% | 3,542 |
| Noninterest income to average assets | 0.2873% | 4,411 |
| Noninterest expense to average assets | 2.3625% | 4,173 |
| Loan and lease loss provision to assets | 0.1157% | 1,963 |
| Net operating income to assets | 0.7092% | 3,562 |
| Return on assets (ROA) | 0.7211% | 3,556 |
| Pretax return on assets | 1.0986% | 3,190 |
| Return on Equity (ROE) | 5.8810% | 3,811 |
| Retained earnings to average equity (ytd only) | -24.8910% | 5,632 |
| Net charge-offs to loans | 0.0686% | 2,476 |
| Credit loss provision to net charge-offs | 220.3147% | 1,245 |
| Earnings coverage of net charge-offs (x) | 22.7697% | 1,840 |
| Efficiency ratio | 65.9859% | 3,269 |
| Assets per employee ($millions) | 6.3071% | 1,311 |
| Cash dividends to net income (ytd only)* | 523.2437% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6270% | 5,197 |
| Loan loss allowance to noncurrent loans | 214.3983% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 3,018 |
| Noncurrent loans to loans | 0.2924% | 3,731 |
| Net loans and leases to total assets | 77.1708% | 1,399 |
| Net loans and leases to deposits | 101.9521% | 607 |
| Net loans and leases to core deposits | 107.4096% | 1,188 |
| Total domestic deposits to total assets | 75.6932% | 5,014 |
| Equity capital to assets | 11.9471% | 1,866 |
| Core capital (leverage) ratio | 11.6259% | 1,849 |
| Tier 1 risk-based capital ratio | 13.3059% | 3,738 |
| Total risk-based capital ratio | 13.9052% | 4,005 |
| Memoranda: | ||
| Average total assets | $1,330,469,800 | 579 |
| Average earning assets | $1,244,637,200 | 564 |
| Average equity | $163,135,400 | 510 |
| Average total loans | $1,019,566,800 | 533 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 2,552 |
| Cost of funding earning assets | 0.7895% | 614 |
| Net interest margin | 3.4271% | 3,749 |
| Noninterest income to average assets | 0.3006% | 4,377 |
| Noninterest expense to average assets | 2.3268% | 4,228 |
| Loan and lease loss provision to assets | 0.1214% | 1,783 |
| Net operating income to assets | 0.7354% | 3,792 |
| Return on assets (ROA) | 0.7516% | 3,790 |
| Pretax return on assets | 1.0956% | 3,319 |
| Return on Equity (ROE) | 6.0798% | 4,089 |
| Retained earnings to average equity (ytd only) | -33.5319% | 5,707 |
| Net charge-offs to loans | 0.0821% | 1,981 |
| Credit loss provision to net charge-offs | 193.7394% | 1,374 |
| Earnings coverage of net charge-offs (x) | 19.0508% | 2,018 |
| Efficiency ratio | 65.8055% | 3,245 |
| Assets per employee ($millions) | 6.4980% | 1,180 |
| Cash dividends to net income (ytd only)* | 651.5301% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 5,169 |
| Loan loss allowance to noncurrent loans | 349.8160% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 3,405 |
| Noncurrent loans to loans | 0.1958% | 4,299 |
| Net loans and leases to total assets | 74.7720% | 1,793 |
| Net loans and leases to deposits | 99.9902% | 747 |
| Net loans and leases to core deposits | 103.7384% | 1,406 |
| Total domestic deposits to total assets | 74.7793% | 5,154 |
| Equity capital to assets | 11.6290% | 2,251 |
| Core capital (leverage) ratio | 11.2064% | 2,268 |
| Tier 1 risk-based capital ratio | 13.4597% | 3,730 |
| Total risk-based capital ratio | 14.1015% | 4,013 |
| Memoranda: | ||
| Average total assets | $1,257,853,750 | 605 |
| Average earning assets | $1,181,683,250 | 595 |
| Average equity | $155,505,750 | 534 |
| Average total loans | $959,763,500 | 566 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 2,790 |
| Cost of funding earning assets | 0.7897% | 551 |
| Net interest margin | 3.3215% | 4,043 |
| Noninterest income to average assets | 0.2738% | 4,586 |
| Noninterest expense to average assets | 2.2231% | 4,524 |
| Loan and lease loss provision to assets | 0.1223% | 1,694 |
| Net operating income to assets | 0.7297% | 3,711 |
| Return on assets (ROA) | 0.7531% | 3,678 |
| Pretax return on assets | 1.0882% | 3,225 |
| Return on Equity (ROE) | 5.9455% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.4128% | 2,462 |
| Net charge-offs to loans | 0.1003% | 1,620 |
| Credit loss provision to net charge-offs | 158.9912% | 1,472 |
| Earnings coverage of net charge-offs (x) | 15.2939% | 2,031 |
| Efficiency ratio | 65.2871% | 3,461 |
| Assets per employee ($millions) | 7.7956% | 668 |
| Cash dividends to net income (ytd only)* | 8.9606% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 4,985 |
| Loan loss allowance to noncurrent loans | 627.7873% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 3,477 |
| Noncurrent loans to loans | 0.1250% | 4,620 |
| Net loans and leases to total assets | 75.6293% | 1,591 |
| Net loans and leases to deposits | 103.1465% | 543 |
| Net loans and leases to core deposits | 106.2275% | 1,219 |
| Total domestic deposits to total assets | 73.3222% | 5,351 |
| Equity capital to assets | 13.8042% | 1,039 |
| Core capital (leverage) ratio | 13.9633% | 878 |
| Tier 1 risk-based capital ratio | 16.1997% | 2,431 |
| Total risk-based capital ratio | 16.9106% | 2,572 |
| Memoranda: | ||
| Average total assets | $1,185,458,670 | 634 |
| Average earning assets | $1,115,648,330 | 623 |
| Average equity | $150,163,330 | 550 |
| Average total loans | $909,511,000 | 588 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 2,901 |
| Cost of funding earning assets | 0.7940% | 506 |
| Net interest margin | 3.2472% | 4,197 |
| Noninterest income to average assets | 0.2939% | 4,454 |
| Noninterest expense to average assets | 2.2006% | 4,643 |
| Loan and lease loss provision to assets | 0.1200% | 1,591 |
| Net operating income to assets | 0.7202% | 3,616 |
| Return on assets (ROA) | 0.7457% | 3,550 |
| Pretax return on assets | 1.0663% | 3,103 |
| Return on Equity (ROE) | 6.1775% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.0409% | 2,866 |
| Net charge-offs to loans | 0.0704% | 1,625 |
| Credit loss provision to net charge-offs | 221.5190% | 949 |
| Earnings coverage of net charge-offs (x) | 21.2215% | 1,455 |
| Efficiency ratio | 65.5748% | 3,564 |
| Assets per employee ($millions) | 7.7275% | 693 |
| Cash dividends to net income (ytd only)* | 18.3993% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 5,058 |
| Loan loss allowance to noncurrent loans | 337.9841% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 3,124 |
| Noncurrent loans to loans | 0.2375% | 4,260 |
| Net loans and leases to total assets | 76.1895% | 1,388 |
| Net loans and leases to deposits | 102.6837% | 465 |
| Net loans and leases to core deposits | 105.9163% | 1,106 |
| Total domestic deposits to total assets | 74.1982% | 5,403 |
| Equity capital to assets | 14.1527% | 862 |
| Core capital (leverage) ratio | 14.2349% | 779 |
| Tier 1 risk-based capital ratio | 16.6793% | 2,286 |
| Total risk-based capital ratio | 17.4136% | 2,432 |
| Memoranda: | ||
| Average total assets | $1,166,229,500 | 642 |
| Average earning assets | $1,097,792,500 | 633 |
| Average equity | $140,769,000 | 576 |
| Average total loans | $897,786,500 | 598 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1331% | 2,723 |
| Cost of funding earning assets | 0.7973% | 512 |
| Net interest margin | 3.3358% | 4,040 |
| Noninterest income to average assets | 0.4743% | 3,386 |
| Noninterest expense to average assets | 2.3581% | 4,401 |
| Loan and lease loss provision to assets | 0.1877% | 1,255 |
| Net operating income to assets | 0.7339% | 3,626 |
| Return on assets (ROA) | 0.7573% | 3,615 |
| Pretax return on assets | 1.1067% | 3,075 |
| Return on Equity (ROE) | 7.4107% | 3,259 |
| Retained earnings to average equity (ytd only) | 5.5552% | 1,981 |
| Net charge-offs to loans | 0.1338% | 1,905 |
| Credit loss provision to net charge-offs | 179.8443% | 1,556 |
| Earnings coverage of net charge-offs (x) | 12.0709% | 2,486 |
| Efficiency ratio | 65.0727% | 3,745 |
| Assets per employee ($millions) | 7.6176% | 700 |
| Cash dividends to net income (ytd only)* | 25.0388% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 5,135 |
| Loan loss allowance to noncurrent loans | 356.2911% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 3,177 |
| Noncurrent loans to loans | 0.2215% | 4,360 |
| Net loans and leases to total assets | 76.5514% | 1,430 |
| Net loans and leases to deposits | 97.5450% | 861 |
| Net loans and leases to core deposits | 100.5998% | 1,571 |
| Total domestic deposits to total assets | 78.4780% | 4,895 |
| Equity capital to assets | 9.9581% | 3,762 |
| Core capital (leverage) ratio | 10.0255% | 3,457 |
| Tier 1 risk-based capital ratio | 11.6740% | 4,941 |
| Total risk-based capital ratio | 12.3934% | 5,145 |
| Memoranda: | ||
| Average total assets | $1,107,476,000 | 650 |
| Average earning assets | $1,043,709,000 | 631 |
| Average equity | $113,174,200 | 706 |
| Average total loans | $863,897,200 | 588 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 2,710 |
| Cost of funding earning assets | 0.7835% | 549 |
| Net interest margin | 3.3592% | 4,000 |
| Noninterest income to average assets | 0.5264% | 3,066 |
| Noninterest expense to average assets | 2.3925% | 4,303 |
| Loan and lease loss provision to assets | 0.2075% | 1,020 |
| Net operating income to assets | 0.7492% | 3,610 |
| Return on assets (ROA) | 0.7799% | 3,600 |
| Pretax return on assets | 1.1391% | 3,085 |
| Return on Equity (ROE) | 7.5802% | 3,249 |
| Retained earnings to average equity (ytd only) | 5.6863% | 2,365 |
| Net charge-offs to loans | 0.0699% | 2,316 |
| Credit loss provision to net charge-offs | 379.5100% | 877 |
| Earnings coverage of net charge-offs (x) | 23.8041% | 1,704 |
| Efficiency ratio | 64.6646% | 3,828 |
| Assets per employee ($millions) | 7.4838% | 723 |
| Cash dividends to net income (ytd only)* | 24.9844% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 5,096 |
| Loan loss allowance to noncurrent loans | 82.4364% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.8013% | 2,540 |
| Noncurrent loans to loans | 1.0093% | 2,226 |
| Net loans and leases to total assets | 76.3551% | 1,467 |
| Net loans and leases to deposits | 96.9614% | 956 |
| Net loans and leases to core deposits | 99.8290% | 1,650 |
| Total domestic deposits to total assets | 78.7480% | 4,780 |
| Equity capital to assets | 9.9861% | 4,139 |
| Core capital (leverage) ratio | 9.9393% | 3,647 |
| Tier 1 risk-based capital ratio | 11.1899% | 5,263 |
| Total risk-based capital ratio | 11.9280% | 5,448 |
| Memoranda: | ||
| Average total assets | $1,094,874,750 | 657 |
| Average earning assets | $1,032,431,250 | 637 |
| Average equity | $112,642,000 | 711 |
| Average total loans | $856,515,250 | 585 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 2,650 |
| Cost of funding earning assets | 0.7588% | 600 |
| Net interest margin | 3.3986% | 3,898 |
| Noninterest income to average assets | 0.6439% | 2,399 |
| Noninterest expense to average assets | 2.4606% | 4,146 |
| Loan and lease loss provision to assets | 0.2332% | 861 |
| Net operating income to assets | 0.7655% | 3,477 |
| Return on assets (ROA) | 0.7902% | 3,498 |
| Pretax return on assets | 1.1929% | 2,803 |
| Return on Equity (ROE) | 7.6011% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.5280% | 1,863 |
| Net charge-offs to loans | 0.0688% | 2,206 |
| Credit loss provision to net charge-offs | 430.9278% | 738 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,506 |
| Efficiency ratio | 63.8265% | 4,054 |
| Assets per employee ($millions) | 7.4513% | 716 |
| Cash dividends to net income (ytd only)* | 14.1176% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 5,222 |
| Loan loss allowance to noncurrent loans | 129.5870% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 3,506 |
| Noncurrent loans to loans | 0.6332% | 3,181 |
| Net loans and leases to total assets | 76.1765% | 1,468 |
| Net loans and leases to deposits | 98.7566% | 812 |
| Net loans and leases to core deposits | 101.3415% | 1,526 |
| Total domestic deposits to total assets | 77.1356% | 5,146 |
| Equity capital to assets | 10.1281% | 4,061 |
| Core capital (leverage) ratio | 10.2615% | 3,256 |
| Tier 1 risk-based capital ratio | 11.2536% | 5,293 |
| Total risk-based capital ratio | 11.9740% | 5,486 |
| Memoranda: | ||
| Average total assets | $1,075,664,000 | 669 |
| Average earning assets | $1,014,523,330 | 652 |
| Average equity | $111,826,000 | 720 |
| Average total loans | $846,226,670 | 585 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 2,521 |
| Cost of funding earning assets | 0.7304% | 691 |
| Net interest margin | 3.4563% | 3,640 |
| Noninterest income to average assets | 0.4876% | 3,213 |
| Noninterest expense to average assets | 2.3842% | 4,414 |
| Loan and lease loss provision to assets | 0.1728% | 1,187 |
| Net operating income to assets | 0.7906% | 3,296 |
| Return on assets (ROA) | 0.8107% | 3,312 |
| Pretax return on assets | 1.2210% | 2,614 |
| Return on Equity (ROE) | 7.6922% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.6922% | 1,593 |
| Net charge-offs to loans | 0.0569% | 1,948 |
| Credit loss provision to net charge-offs | 381.5126% | 734 |
| Earnings coverage of net charge-offs (x) | 30.1008% | 1,179 |
| Efficiency ratio | 63.5182% | 4,212 |
| Assets per employee ($millions) | 7.0072% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 5,462 |
| Loan loss allowance to noncurrent loans | 279.7835% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 4,439 |
| Noncurrent loans to loans | 0.2722% | 4,459 |
| Net loans and leases to total assets | 78.5448% | 1,020 |
| Net loans and leases to deposits | 103.9572% | 414 |
| Net loans and leases to core deposits | 106.9891% | 1,020 |
| Total domestic deposits to total assets | 75.5550% | 5,463 |
| Equity capital to assets | 10.4502% | 3,555 |
| Core capital (leverage) ratio | 10.5177% | 2,939 |
| Tier 1 risk-based capital ratio | 11.5660% | 5,188 |
| Total risk-based capital ratio | 12.2503% | 5,415 |
| Memoranda: | ||
| Average total assets | $1,050,923,500 | 682 |
| Average earning assets | $991,226,000 | 664 |
| Average equity | $110,761,000 | 727 |
| Average total loans | $837,246,500 | 591 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,319 |
| Cost of funding earning assets | 0.6638% | 996 |
| Net interest margin | 3.6047% | 3,119 |
| Noninterest income to average assets | 0.8808% | 1,499 |
| Noninterest expense to average assets | 2.9039% | 2,847 |
| Loan and lease loss provision to assets | 0.2014% | 1,062 |
| Net operating income to assets | 0.7805% | 3,417 |
| Return on assets (ROA) | 0.8105% | 3,373 |
| Pretax return on assets | 1.2267% | 2,563 |
| Return on Equity (ROE) | 7.4151% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.4151% | 1,125 |
| Net charge-offs to loans | 0.0485% | 3,228 |
| Credit loss provision to net charge-offs | 508.1744% | 634 |
| Earnings coverage of net charge-offs (x) | 34.8828% | 1,303 |
| Efficiency ratio | 67.6409% | 3,636 |
| Assets per employee ($millions) | 6.1294% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 5,553 |
| Loan loss allowance to noncurrent loans | 254.1684% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 4,386 |
| Noncurrent loans to loans | 0.2919% | 4,413 |
| Net loans and leases to total assets | 79.6140% | 898 |
| Net loans and leases to deposits | 110.8906% | 223 |
| Net loans and leases to core deposits | 114.1976% | 673 |
| Total domestic deposits to total assets | 71.7951% | 5,810 |
| Equity capital to assets | 10.6322% | 3,205 |
| Core capital (leverage) ratio | 11.0670% | 2,335 |
| Tier 1 risk-based capital ratio | 11.7097% | 5,128 |
| Total risk-based capital ratio | 12.3790% | 5,358 |
| Memoranda: | ||
| Average total assets | $925,888,200 | 745 |
| Average earning assets | $874,802,200 | 724 |
| Average equity | $101,199,200 | 762 |
| Average total loans | $756,179,800 | 619 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 2,198 |
| Cost of funding earning assets | 0.6556% | 1,061 |
| Net interest margin | 3.6529% | 2,949 |
| Noninterest income to average assets | 0.9655% | 1,275 |
| Noninterest expense to average assets | 2.9301% | 2,743 |
| Loan and lease loss provision to assets | 0.2222% | 837 |
| Net operating income to assets | 0.8353% | 3,248 |
| Return on assets (ROA) | 0.8765% | 3,140 |
| Pretax return on assets | 1.3262% | 2,296 |
| Return on Equity (ROE) | 7.9572% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.9572% | 1,251 |
| Net charge-offs to loans | 0.0395% | 3,100 |
| Credit loss provision to net charge-offs | 684.9315% | 495 |
| Earnings coverage of net charge-offs (x) | 45.7995% | 1,120 |
| Efficiency ratio | 66.2462% | 3,853 |
| Assets per employee ($millions) | 5.6389% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 5,580 |
| Loan loss allowance to noncurrent loans | 226.3884% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 4,155 |
| Noncurrent loans to loans | 0.3408% | 4,392 |
| Net loans and leases to total assets | 81.2237% | 675 |
| Net loans and leases to deposits | 103.9351% | 448 |
| Net loans and leases to core deposits | 107.3515% | 1,014 |
| Total domestic deposits to total assets | 78.1484% | 5,155 |
| Equity capital to assets | 11.5510% | 2,461 |
| Core capital (leverage) ratio | 11.2540% | 2,244 |
| Tier 1 risk-based capital ratio | 12.7231% | 4,599 |
| Total risk-based capital ratio | 13.4352% | 4,875 |
| Memoranda: | ||
| Average total assets | $899,923,750 | 772 |
| Average earning assets | $850,090,750 | 752 |
| Average equity | $99,127,750 | 781 |
| Average total loans | $738,737,250 | 637 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,200 |
| Cost of funding earning assets | 0.6371% | 1,185 |
| Net interest margin | 3.6529% | 2,899 |
| Noninterest income to average assets | 1.0445% | 1,087 |
| Noninterest expense to average assets | 2.9130% | 2,852 |
| Loan and lease loss provision to assets | 0.2478% | 710 |
| Net operating income to assets | 0.8813% | 2,983 |
| Return on assets (ROA) | 0.9012% | 2,990 |
| Pretax return on assets | 1.3635% | 2,134 |
| Return on Equity (ROE) | 8.3242% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.3242% | 1,141 |
| Net charge-offs to loans | 0.0005% | 3,882 |
| Credit loss provision to net charge-offs | 55,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 3,509.5000% | 11 |
| Efficiency ratio | 64.7135% | 4,240 |
| Assets per employee ($millions) | 5.2322% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7619% | 5,689 |
| Loan loss allowance to noncurrent loans | 213.1745% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 3,722 |
| Noncurrent loans to loans | 0.3574% | 4,426 |
| Net loans and leases to total assets | 81.0182% | 668 |
| Net loans and leases to deposits | 105.3721% | 396 |
| Net loans and leases to core deposits | 108.1493% | 943 |
| Total domestic deposits to total assets | 76.8878% | 5,474 |
| Equity capital to assets | 11.5482% | 2,375 |
| Core capital (leverage) ratio | 11.7170% | 1,827 |
| Tier 1 risk-based capital ratio | 12.8664% | 4,591 |
| Total risk-based capital ratio | 13.5772% | 4,819 |
| Memoranda: | ||
| Average total assets | $887,878,000 | 787 |
| Average earning assets | $838,451,330 | 767 |
| Average equity | $96,129,000 | 807 |
| Average total loans | $729,578,330 | 642 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 2,180 |
| Cost of funding earning assets | 0.6235% | 1,279 |
| Net interest margin | 3.6520% | 2,807 |
| Noninterest income to average assets | 1.2174% | 762 |
| Noninterest expense to average assets | 2.9126% | 2,864 |
| Loan and lease loss provision to assets | 0.3213% | 429 |
| Net operating income to assets | 0.9585% | 2,456 |
| Return on assets (ROA) | 0.9585% | 2,590 |
| Pretax return on assets | 1.4331% | 1,764 |
| Return on Equity (ROE) | 9.1759% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.1759% | 1,138 |
| Net charge-offs to loans | -0.0273% | 5,195 |
| Credit loss provision to net charge-offs | -1,428.5714% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3094% | 4,747 |
| Assets per employee ($millions) | 4.8860% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7568% | 5,797 |
| Loan loss allowance to noncurrent loans | 178.4080% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 3,569 |
| Noncurrent loans to loans | 0.4242% | 4,320 |
| Net loans and leases to total assets | 81.5634% | 510 |
| Net loans and leases to deposits | 100.6481% | 527 |
| Net loans and leases to core deposits | 102.5752% | 1,137 |
| Total domestic deposits to total assets | 81.0382% | 4,813 |
| Equity capital to assets | 12.1210% | 1,945 |
| Core capital (leverage) ratio | 11.8026% | 1,773 |
| Tier 1 risk-based capital ratio | 13.4312% | 4,359 |
| Total risk-based capital ratio | 14.1410% | 4,584 |
| Memoranda: | ||
| Average total assets | $871,383,500 | 807 |
| Average earning assets | $823,111,500 | 777 |
| Average equity | $91,021,500 | 845 |
| Average total loans | $718,468,500 | 649 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 1,688 |
| Cost of funding earning assets | 0.6672% | 1,284 |
| Net interest margin | 3.8844% | 2,300 |
| Noninterest income to average assets | 0.7479% | 2,083 |
| Noninterest expense to average assets | 3.1560% | 2,337 |
| Loan and lease loss provision to assets | 0.2201% | 1,117 |
| Net operating income to assets | 0.6638% | 4,069 |
| Return on assets (ROA) | 0.6946% | 4,040 |
| Pretax return on assets | 1.0367% | 3,365 |
| Return on Equity (ROE) | 7.7140% | 3,266 |
| Retained earnings to average equity (ytd only) | 6.9664% | 1,429 |
| Net charge-offs to loans | 0.0626% | 3,593 |
| Credit loss provision to net charge-offs | 430.6878% | 602 |
| Earnings coverage of net charge-offs (x) | 23.6931% | 1,568 |
| Efficiency ratio | 72.1455% | 3,181 |
| Assets per employee ($millions) | 4.9048% | 2,453 |
| Cash dividends to net income (ytd only)* | 9.6925% | 4,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6376% | 6,090 |
| Loan loss allowance to noncurrent loans | 138.6228% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 3,501 |
| Noncurrent loans to loans | 0.4599% | 4,272 |
| Net loans and leases to total assets | 82.1862% | 501 |
| Net loans and leases to deposits | 109.9743% | 234 |
| Net loans and leases to core deposits | 115.6408% | 539 |
| Total domestic deposits to total assets | 74.7321% | 5,882 |
| Equity capital to assets | 8.7953% | 5,494 |
| Core capital (leverage) ratio | 9.0028% | 5,000 |
| Tier 1 risk-based capital ratio | 9.8584% | 6,294 |
| Total risk-based capital ratio | 10.4762% | 6,366 |
| Memoranda: | ||
| Average total assets | $739,669,200 | 913 |
| Average earning assets | $689,108,600 | 895 |
| Average equity | $66,605,800 | 1,108 |
| Average total loans | $603,914,000 | 728 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 1,577 |
| Cost of funding earning assets | 0.6869% | 1,223 |
| Net interest margin | 3.9070% | 2,208 |
| Noninterest income to average assets | 0.8063% | 1,871 |
| Noninterest expense to average assets | 3.2380% | 2,063 |
| Loan and lease loss provision to assets | 0.2265% | 992 |
| Net operating income to assets | 0.6519% | 4,211 |
| Return on assets (ROA) | 0.6807% | 4,126 |
| Pretax return on assets | 1.0103% | 3,551 |
| Return on Equity (ROE) | 7.5054% | 3,439 |
| Retained earnings to average equity (ytd only) | 6.4671% | 2,123 |
| Net charge-offs to loans | 0.0581% | 3,384 |
| Credit loss provision to net charge-offs | 479.2000% | 593 |
| Earnings coverage of net charge-offs (x) | 25.2516% | 1,513 |
| Efficiency ratio | 72.9317% | 3,011 |
| Assets per employee ($millions) | 4.4776% | 3,013 |
| Cash dividends to net income (ytd only)* | 13.8333% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 6,126 |
| Loan loss allowance to noncurrent loans | 296.0328% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 4,160 |
| Noncurrent loans to loans | 0.2303% | 5,205 |
| Net loans and leases to total assets | 80.4529% | 667 |
| Net loans and leases to deposits | 96.3133% | 857 |
| Net loans and leases to core deposits | 101.1809% | 1,277 |
| Total domestic deposits to total assets | 83.5324% | 3,939 |
| Equity capital to assets | 9.1404% | 5,222 |
| Core capital (leverage) ratio | 9.0367% | 5,026 |
| Tier 1 risk-based capital ratio | 10.5328% | 6,202 |
| Total risk-based capital ratio | 11.1999% | 6,324 |
| Memoranda: | ||
| Average total assets | $705,098,250 | 957 |
| Average earning assets | $654,294,000 | 950 |
| Average equity | $63,952,500 | 1,154 |
| Average total loans | $573,346,000 | 768 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 1,580 |
| Cost of funding earning assets | 0.7046% | 1,175 |
| Net interest margin | 3.8772% | 2,266 |
| Noninterest income to average assets | 0.7323% | 2,132 |
| Noninterest expense to average assets | 3.2498% | 2,052 |
| Loan and lease loss provision to assets | 0.2041% | 1,175 |
| Net operating income to assets | 0.5793% | 4,458 |
| Return on assets (ROA) | 0.6118% | 4,393 |
| Pretax return on assets | 0.9079% | 3,863 |
| Return on Equity (ROE) | 6.7659% | 3,737 |
| Retained earnings to average equity (ytd only) | 5.1437% | 2,867 |
| Net charge-offs to loans | 0.0691% | 3,011 |
| Credit loss provision to net charge-offs | 362.8272% | 746 |
| Earnings coverage of net charge-offs (x) | 18.9005% | 1,654 |
| Efficiency ratio | 75.2015% | 2,776 |
| Assets per employee ($millions) | 4.4147% | 3,064 |
| Cash dividends to net income (ytd only)* | 23.9769% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 6,247 |
| Loan loss allowance to noncurrent loans | 296.3359% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 4,040 |
| Noncurrent loans to loans | 0.2198% | 5,351 |
| Net loans and leases to total assets | 81.3020% | 541 |
| Net loans and leases to deposits | 102.3124% | 428 |
| Net loans and leases to core deposits | 104.5826% | 979 |
| Total domestic deposits to total assets | 79.4645% | 5,352 |
| Equity capital to assets | 9.0212% | 5,274 |
| Core capital (leverage) ratio | 8.9900% | 5,034 |
| Tier 1 risk-based capital ratio | 10.5424% | 6,236 |
| Total risk-based capital ratio | 11.1994% | 6,371 |
| Memoranda: | ||
| Average total assets | $678,935,000 | 996 |
| Average earning assets | $627,055,330 | 986 |
| Average equity | $61,395,670 | 1,191 |
| Average total loans | $552,879,000 | 793 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6106% | 1,476 |
| Cost of funding earning assets | 0.7091% | 1,193 |
| Net interest margin | 3.9015% | 2,082 |
| Noninterest income to average assets | 0.5931% | 2,775 |
| Noninterest expense to average assets | 3.2798% | 1,989 |
| Loan and lease loss provision to assets | 0.1498% | 1,619 |
| Net operating income to assets | 0.5150% | 4,610 |
| Return on assets (ROA) | 0.5625% | 4,477 |
| Pretax return on assets | 0.8340% | 3,960 |
| Return on Equity (ROE) | 6.2123% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.7470% | 3,268 |
| Net charge-offs to loans | 0.0715% | 2,432 |
| Credit loss provision to net charge-offs | 257.8947% | 885 |
| Earnings coverage of net charge-offs (x) | 15.7158% | 1,536 |
| Efficiency ratio | 78.0808% | 2,464 |
| Assets per employee ($millions) | 4.1840% | 3,561 |
| Cash dividends to net income (ytd only)* | 23.5870% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6379% | 6,361 |
| Loan loss allowance to noncurrent loans | 206.1916% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 3,770 |
| Noncurrent loans to loans | 0.3094% | 5,180 |
| Net loans and leases to total assets | 81.6293% | 384 |
| Net loans and leases to deposits | 97.4429% | 574 |
| Net loans and leases to core deposits | 99.4531% | 1,136 |
| Total domestic deposits to total assets | 83.7714% | 4,357 |
| Equity capital to assets | 8.8555% | 5,268 |
| Core capital (leverage) ratio | 8.7485% | 5,325 |
| Tier 1 risk-based capital ratio | 10.1502% | 6,438 |
| Total risk-based capital ratio | 10.7831% | 6,528 |
| Memoranda: | ||
| Average total assets | $654,190,000 | 1,042 |
| Average earning assets | $603,561,000 | 1,040 |
| Average equity | $59,237,000 | 1,233 |
| Average total loans | $531,265,500 | 826 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 1,158 |
| Cost of funding earning assets | 0.7473% | 1,511 |
| Net interest margin | 4.1202% | 1,590 |
| Noninterest income to average assets | 0.9589% | 1,497 |
| Noninterest expense to average assets | 3.7745% | 1,177 |
| Loan and lease loss provision to assets | 0.2053% | 1,809 |
| Net operating income to assets | 0.5759% | 4,376 |
| Return on assets (ROA) | 0.6415% | 4,173 |
| Pretax return on assets | 0.8750% | 3,873 |
| Return on Equity (ROE) | 6.2560% | 3,942 |
| Retained earnings to average equity (ytd only) | 5.5164% | 2,269 |
| Net charge-offs to loans | 0.0908% | 3,937 |
| Credit loss provision to net charge-offs | 278.8043% | 811 |
| Earnings coverage of net charge-offs (x) | 13.4511% | 2,022 |
| Efficiency ratio | 79.0829% | 2,306 |
| Assets per employee ($millions) | 3.8470% | 4,166 |
| Cash dividends to net income (ytd only)* | 11.8216% | 3,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6639% | 6,397 |
| Loan loss allowance to noncurrent loans | 226.9980% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 3,914 |
| Noncurrent loans to loans | 0.2925% | 5,311 |
| Net loans and leases to total assets | 79.6757% | 629 |
| Net loans and leases to deposits | 94.9419% | 805 |
| Net loans and leases to core deposits | 96.3617% | 1,423 |
| Total domestic deposits to total assets | 83.9205% | 4,196 |
| Equity capital to assets | 9.2668% | 4,724 |
| Core capital (leverage) ratio | 9.4983% | 4,272 |
| Tier 1 risk-based capital ratio | 10.8255% | 6,251 |
| Total risk-based capital ratio | 11.4801% | 6,407 |
| Memoranda: | ||
| Average total assets | $499,749,200 | 1,330 |
| Average earning assets | $461,653,600 | 1,315 |
| Average equity | $51,247,000 | 1,386 |
| Average total loans | $405,448,000 | 1,052 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 1,095 |
| Cost of funding earning assets | 0.7615% | 1,535 |
| Net interest margin | 4.1523% | 1,474 |
| Noninterest income to average assets | 0.9385% | 1,641 |
| Noninterest expense to average assets | 3.8311% | 1,046 |
| Loan and lease loss provision to assets | 0.0973% | 3,139 |
| Net operating income to assets | 0.5588% | 4,536 |
| Return on assets (ROA) | 0.6237% | 4,373 |
| Pretax return on assets | 0.9448% | 3,711 |
| Return on Equity (ROE) | 5.8893% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.5354% | 2,707 |
| Net charge-offs to loans | 0.0878% | 3,695 |
| Credit loss provision to net charge-offs | 136.0000% | 1,729 |
| Earnings coverage of net charge-offs (x) | 13.1918% | 2,050 |
| Efficiency ratio | 80.1115% | 2,077 |
| Assets per employee ($millions) | 3.4330% | 4,985 |
| Cash dividends to net income (ytd only)* | 6.0091% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6184% | 6,540 |
| Loan loss allowance to noncurrent loans | 138.2498% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8897% | 3,903 |
| Noncurrent loans to loans | 0.4473% | 5,082 |
| Net loans and leases to total assets | 80.2678% | 523 |
| Net loans and leases to deposits | 96.9149% | 630 |
| Net loans and leases to core deposits | 98.8114% | 1,186 |
| Total domestic deposits to total assets | 82.8230% | 4,645 |
| Equity capital to assets | 9.7144% | 4,288 |
| Core capital (leverage) ratio | 9.5579% | 4,319 |
| Tier 1 risk-based capital ratio | 11.1208% | 6,227 |
| Total risk-based capital ratio | 11.7272% | 6,429 |
| Memoranda: | ||
| Average total assets | $465,998,250 | 1,426 |
| Average earning assets | $430,529,250 | 1,422 |
| Average equity | $49,353,500 | 1,442 |
| Average total loans | $379,529,000 | 1,129 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 1,334 |
| Cost of funding earning assets | 0.7595% | 1,649 |
| Net interest margin | 4.0370% | 1,742 |
| Noninterest income to average assets | 1.3997% | 804 |
| Noninterest expense to average assets | 3.7688% | 1,142 |
| Loan and lease loss provision to assets | 0.1070% | 3,007 |
| Net operating income to assets | 0.9598% | 2,510 |
| Return on assets (ROA) | 1.0681% | 2,158 |
| Pretax return on assets | 1.4071% | 1,906 |
| Return on Equity (ROE) | 9.7365% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.3833% | 1,001 |
| Net charge-offs to loans | 0.1100% | 3,260 |
| Credit loss provision to net charge-offs | 118.9744% | 1,873 |
| Earnings coverage of net charge-offs (x) | 15.2513% | 1,756 |
| Efficiency ratio | 73.2281% | 3,272 |
| Assets per employee ($millions) | 3.5832% | 4,664 |
| Cash dividends to net income (ytd only)* | 3.6269% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 6,572 |
| Loan loss allowance to noncurrent loans | 140.9811% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.9807% | 3,804 |
| Noncurrent loans to loans | 0.4519% | 5,131 |
| Net loans and leases to total assets | 81.1461% | 421 |
| Net loans and leases to deposits | 96.8350% | 616 |
| Net loans and leases to core deposits | 99.0271% | 1,139 |
| Total domestic deposits to total assets | 83.7983% | 4,408 |
| Equity capital to assets | 10.2786% | 3,567 |
| Core capital (leverage) ratio | 10.2031% | 3,227 |
| Tier 1 risk-based capital ratio | 11.6269% | 6,044 |
| Total risk-based capital ratio | 12.2517% | 6,307 |
| Memoranda: | ||
| Average total assets | $433,661,670 | 1,536 |
| Average earning assets | $401,832,670 | 1,512 |
| Average equity | $47,573,670 | 1,496 |
| Average total loans | $354,463,330 | 1,200 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,948 |
| Cost of funding earning assets | 0.7706% | 1,702 |
| Net interest margin | 3.7895% | 2,487 |
| Noninterest income to average assets | 0.9405% | 1,637 |
| Noninterest expense to average assets | 3.7069% | 1,238 |
| Loan and lease loss provision to assets | 0.0924% | 3,117 |
| Net operating income to assets | 0.4563% | 4,885 |
| Return on assets (ROA) | 0.6446% | 4,153 |
| Pretax return on assets | 0.9363% | 3,633 |
| Return on Equity (ROE) | 5.6319% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.2873% | 3,061 |
| Net charge-offs to loans | 0.2018% | 2,207 |
| Credit loss provision to net charge-offs | 55.9748% | 2,508 |
| Earnings coverage of net charge-offs (x) | 4.5786% | 2,521 |
| Efficiency ratio | 82.9960% | 1,887 |
| Assets per employee ($millions) | 3.6937% | 4,573 |
| Cash dividends to net income (ytd only)* | 6.1192% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 6,429 |
| Loan loss allowance to noncurrent loans | 1,205.4545% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 4,622 |
| Noncurrent loans to loans | 0.0678% | 6,274 |
| Net loans and leases to total assets | 81.4495% | 313 |
| Net loans and leases to deposits | 99.0873% | 388 |
| Net loans and leases to core deposits | 100.6727% | 911 |
| Total domestic deposits to total assets | 82.1997% | 5,126 |
| Equity capital to assets | 11.2997% | 2,634 |
| Core capital (leverage) ratio | 11.0463% | 2,223 |
| Tier 1 risk-based capital ratio | 12.5269% | 5,560 |
| Total risk-based capital ratio | 13.3297% | 5,816 |
| Memoranda: | ||
| Average total assets | $385,334,500 | 1,736 |
| Average earning assets | $358,147,000 | 1,708 |
| Average equity | $44,106,000 | 1,619 |
| Average total loans | $315,150,000 | 1,350 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 1,944 |
| Cost of funding earning assets | 0.8485% | 2,298 |
| Net interest margin | 4.0225% | 2,306 |
| Noninterest income to average assets | 1.0693% | 1,363 |
| Noninterest expense to average assets | 3.5910% | 1,626 |
| Loan and lease loss provision to assets | 0.2117% | 3,027 |
| Net operating income to assets | 0.6991% | 3,745 |
| Return on assets (ROA) | 0.7296% | 3,854 |
| Pretax return on assets | 1.0322% | 3,426 |
| Return on Equity (ROE) | 5.9439% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.5890% | 2,326 |
| Net charge-offs to loans | -0.1132% | 6,849 |
| Credit loss provision to net charge-offs | -235.3952% | 6,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8678% | 2,925 |
| Assets per employee ($millions) | 3.7545% | 4,456 |
| Cash dividends to net income (ytd only)* | 5.9720% | 4,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 6,287 |
| Loan loss allowance to noncurrent loans | 5,135.8491% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 4,921 |
| Noncurrent loans to loans | 0.0173% | 6,498 |
| Net loans and leases to total assets | 80.7091% | 405 |
| Net loans and leases to deposits | 101.1179% | 368 |
| Net loans and leases to core deposits | 102.3810% | 869 |
| Total domestic deposits to total assets | 79.8168% | 5,713 |
| Equity capital to assets | 11.6003% | 2,347 |
| Core capital (leverage) ratio | 11.5488% | 1,844 |
| Tier 1 risk-based capital ratio | 13.0619% | 5,065 |
| Total risk-based capital ratio | 13.9494% | 5,265 |
| Memoranda: | ||
| Average total assets | $323,589,400 | 1,989 |
| Average earning assets | $299,465,600 | 1,976 |
| Average equity | $39,721,200 | 1,753 |
| Average total loans | $257,157,600 | 1,610 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 1,978 |
| Cost of funding earning assets | 0.8678% | 2,404 |
| Net interest margin | 4.0406% | 2,337 |
| Noninterest income to average assets | 1.0366% | 1,410 |
| Noninterest expense to average assets | 3.5274% | 1,695 |
| Loan and lease loss provision to assets | 0.2284% | 2,774 |
| Net operating income to assets | 0.7288% | 3,779 |
| Return on assets (ROA) | 0.7718% | 3,847 |
| Pretax return on assets | 1.0778% | 3,428 |
| Return on Equity (ROE) | 6.1844% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.8301% | 2,809 |
| Net charge-offs to loans | 0.0484% | 4,975 |
| Credit loss provision to net charge-offs | 597.7528% | 448 |
| Earnings coverage of net charge-offs (x) | 32.6302% | 1,021 |
| Efficiency ratio | 73.8177% | 3,020 |
| Assets per employee ($millions) | 4.0179% | 3,833 |
| Cash dividends to net income (ytd only)* | 5.7286% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 6,586 |
| Loan loss allowance to noncurrent loans | 350.2400% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 4,982 |
| Noncurrent loans to loans | 0.2302% | 6,035 |
| Net loans and leases to total assets | 78.8624% | 624 |
| Net loans and leases to deposits | 98.2078% | 532 |
| Net loans and leases to core deposits | 99.7334% | 1,140 |
| Total domestic deposits to total assets | 80.3015% | 5,576 |
| Equity capital to assets | 12.4283% | 1,945 |
| Core capital (leverage) ratio | 12.0693% | 1,614 |
| Tier 1 risk-based capital ratio | 14.2223% | 4,365 |
| Total risk-based capital ratio | 15.0217% | 4,662 |
| Memoranda: | ||
| Average total assets | $310,625,250 | 2,097 |
| Average earning assets | $287,307,500 | 2,083 |
| Average equity | $38,763,250 | 1,812 |
| Average total loans | $245,011,750 | 1,694 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 1,890 |
| Cost of funding earning assets | 0.9107% | 2,311 |
| Net interest margin | 4.0529% | 2,282 |
| Noninterest income to average assets | 1.0176% | 1,411 |
| Noninterest expense to average assets | 3.4802% | 1,830 |
| Loan and lease loss provision to assets | 0.2404% | 2,661 |
| Net operating income to assets | 0.7494% | 3,606 |
| Return on assets (ROA) | 0.8151% | 3,585 |
| Pretax return on assets | 1.1474% | 3,128 |
| Return on Equity (ROE) | 6.5217% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.1647% | 2,595 |
| Net charge-offs to loans | 0.0423% | 4,783 |
| Credit loss provision to net charge-offs | 722.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 38.9000% | 890 |
| Efficiency ratio | 72.8071% | 3,279 |
| Assets per employee ($millions) | 3.8556% | 4,181 |
| Cash dividends to net income (ytd only)* | 5.4739% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 6,600 |
| Loan loss allowance to noncurrent loans | 305.6464% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 4,911 |
| Noncurrent loans to loans | 0.2730% | 6,031 |
| Net loans and leases to total assets | 77.3144% | 808 |
| Net loans and leases to deposits | 95.3721% | 664 |
| Net loans and leases to core deposits | 96.9568% | 1,355 |
| Total domestic deposits to total assets | 81.0661% | 5,443 |
| Equity capital to assets | 12.6969% | 1,689 |
| Core capital (leverage) ratio | 12.0085% | 1,596 |
| Tier 1 risk-based capital ratio | 14.5494% | 4,065 |
| Total risk-based capital ratio | 15.3598% | 4,328 |
| Memoranda: | ||
| Average total assets | $300,327,330 | 2,152 |
| Average earning assets | $278,468,000 | 2,133 |
| Average equity | $37,536,000 | 1,860 |
| Average total loans | $236,176,000 | 1,747 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 1,941 |
| Cost of funding earning assets | 0.9542% | 2,278 |
| Net interest margin | 4.0304% | 2,369 |
| Noninterest income to average assets | 1.1149% | 1,136 |
| Noninterest expense to average assets | 3.5156% | 1,729 |
| Loan and lease loss provision to assets | 0.2298% | 2,648 |
| Net operating income to assets | 0.8022% | 3,363 |
| Return on assets (ROA) | 0.8809% | 3,234 |
| Pretax return on assets | 1.2229% | 2,825 |
| Return on Equity (ROE) | 7.1095% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.7452% | 2,554 |
| Net charge-offs to loans | 0.0277% | 4,301 |
| Credit loss provision to net charge-offs | 1,050.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 61.3750% | 543 |
| Efficiency ratio | 72.2691% | 3,386 |
| Assets per employee ($millions) | 4.3683% | 3,262 |
| Cash dividends to net income (ytd only)* | 5.1242% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 6,718 |
| Loan loss allowance to noncurrent loans | 284.5577% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 4,732 |
| Noncurrent loans to loans | 0.2849% | 6,107 |
| Net loans and leases to total assets | 75.9306% | 806 |
| Net loans and leases to deposits | 92.9148% | 734 |
| Net loans and leases to core deposits | 94.4959% | 1,421 |
| Total domestic deposits to total assets | 81.7207% | 5,388 |
| Equity capital to assets | 12.1982% | 1,916 |
| Core capital (leverage) ratio | 11.8819% | 1,655 |
| Tier 1 risk-based capital ratio | 14.3249% | 4,223 |
| Total risk-based capital ratio | 15.1201% | 4,533 |
| Memoranda: | ||
| Average total assets | $292,412,500 | 2,224 |
| Average earning assets | $271,637,000 | 2,188 |
| Average equity | $36,233,000 | 1,916 |
| Average total loans | $231,018,000 | 1,784 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3801% | 1,465 |
| Cost of funding earning assets | 1.2277% | 1,852 |
| Net interest margin | 4.1524% | 2,226 |
| Noninterest income to average assets | 0.8252% | 1,946 |
| Noninterest expense to average assets | 3.8295% | 1,289 |
| Loan and lease loss provision to assets | 0.2847% | 3,386 |
| Net operating income to assets | 0.3973% | 4,877 |
| Return on assets (ROA) | 0.4451% | 4,876 |
| Pretax return on assets | 0.6688% | 4,445 |
| Return on Equity (ROE) | 4.6264% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.0521% | 3,305 |
| Net charge-offs to loans | 0.1977% | 4,561 |
| Credit loss provision to net charge-offs | 173.1707% | 1,527 |
| Earnings coverage of net charge-offs (x) | 5.3659% | 2,819 |
| Efficiency ratio | 81.2766% | 2,122 |
| Assets per employee ($millions) | 4.1036% | 3,637 |
| Cash dividends to net income (ytd only)* | 12.4124% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 6,809 |
| Loan loss allowance to noncurrent loans | 6,235.7143% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 5,137 |
| Noncurrent loans to loans | 0.0123% | 6,815 |
| Net loans and leases to total assets | 81.0663% | 406 |
| Net loans and leases to deposits | 99.1414% | 496 |
| Net loans and leases to core deposits | 100.6608% | 1,119 |
| Total domestic deposits to total assets | 81.7683% | 5,203 |
| Equity capital to assets | 12.6024% | 1,744 |
| Core capital (leverage) ratio | 11.6666% | 1,781 |
| Tier 1 risk-based capital ratio | 14.3591% | 4,073 |
| Total risk-based capital ratio | 15.1421% | 4,365 |
| Memoranda: | ||
| Average total assets | $224,442,800 | 2,791 |
| Average earning assets | $210,070,400 | 2,729 |
| Average equity | $21,593,600 | 2,932 |
| Average total loans | $186,686,200 | 2,162 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 1,593 |
| Cost of funding earning assets | 1.2924% | 1,744 |
| Net interest margin | 4.0813% | 2,546 |
| Noninterest income to average assets | 0.7679% | 2,209 |
| Noninterest expense to average assets | 3.7236% | 1,447 |
| Loan and lease loss provision to assets | 0.3226% | 2,953 |
| Net operating income to assets | 0.3697% | 5,131 |
| Return on assets (ROA) | 0.4371% | 5,024 |
| Pretax return on assets | 0.6553% | 4,625 |
| Return on Equity (ROE) | 5.0620% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.3881% | 3,603 |
| Net charge-offs to loans | 0.2722% | 3,738 |
| Credit loss provision to net charge-offs | 141.6667% | 2,247 |
| Earnings coverage of net charge-offs (x) | 3.8528% | 3,274 |
| Efficiency ratio | 80.9321% | 2,115 |
| Assets per employee ($millions) | 3.7208% | 4,490 |
| Cash dividends to net income (ytd only)* | 13.3137% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 6,691 |
| Loan loss allowance to noncurrent loans | 888.5246% | 399 |
| Noncurrent assets plus other real estate owned to assets | 1.1233% | 4,534 |
| Noncurrent loans to loans | 0.0973% | 6,687 |
| Net loans and leases to total assets | 84.9041% | 165 |
| Net loans and leases to deposits | 101.7763% | 400 |
| Net loans and leases to core deposits | 104.0558% | 981 |
| Total domestic deposits to total assets | 83.4223% | 4,513 |
| Equity capital to assets | 8.7879% | 5,991 |
| Core capital (leverage) ratio | 8.8995% | 5,104 |
| Tier 1 risk-based capital ratio | 10.3038% | 6,857 |
| Total risk-based capital ratio | 11.1798% | 6,959 |
| Memoranda: | ||
| Average total assets | $210,793,000 | 2,942 |
| Average earning assets | $197,973,000 | 2,889 |
| Average equity | $18,200,500 | 3,403 |
| Average total loans | $176,369,000 | 2,313 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3652% | 1,671 |
| Cost of funding earning assets | 1.3188% | 1,833 |
| Net interest margin | 4.0464% | 2,626 |
| Noninterest income to average assets | 0.6475% | 2,861 |
| Noninterest expense to average assets | 3.7021% | 1,521 |
| Loan and lease loss provision to assets | 0.3261% | 2,832 |
| Net operating income to assets | 0.2843% | 5,432 |
| Return on assets (ROA) | 0.3868% | 5,153 |
| Pretax return on assets | 0.5801% | 4,809 |
| Return on Equity (ROE) | 4.5076% | 4,696 |
| Retained earnings to average equity (ytd only) | 3.8348% | 3,765 |
| Net charge-offs to loans | 0.3073% | 3,340 |
| Credit loss provision to net charge-offs | 127.9245% | 2,390 |
| Earnings coverage of net charge-offs (x) | 2.9547% | 3,372 |
| Efficiency ratio | 83.0922% | 1,944 |
| Assets per employee ($millions) | 3.7107% | 4,411 |
| Cash dividends to net income (ytd only)* | 14.9254% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 6,750 |
| Loan loss allowance to noncurrent loans | 251.2156% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 1.2047% | 4,481 |
| Noncurrent loans to loans | 0.3417% | 6,232 |
| Net loans and leases to total assets | 84.6349% | 197 |
| Net loans and leases to deposits | 99.6521% | 513 |
| Net loans and leases to core deposits | 103.4327% | 1,082 |
| Total domestic deposits to total assets | 84.9304% | 3,907 |
| Equity capital to assets | 8.8170% | 5,799 |
| Core capital (leverage) ratio | 8.9751% | 4,764 |
| Tier 1 risk-based capital ratio | 10.3893% | 6,829 |
| Total risk-based capital ratio | 11.2577% | 6,969 |
| Memoranda: | ||
| Average total assets | $207,880,670 | 2,998 |
| Average earning assets | $195,630,000 | 2,929 |
| Average equity | $17,836,670 | 3,444 |
| Average total loans | $172,486,670 | 2,378 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2328% | 2,106 |
| Cost of funding earning assets | 1.3791% | 1,720 |
| Net interest margin | 3.8537% | 3,363 |
| Noninterest income to average assets | 0.7959% | 2,051 |
| Noninterest expense to average assets | 3.5290% | 1,932 |
| Loan and lease loss provision to assets | 0.2718% | 2,977 |
| Net operating income to assets | 0.4253% | 4,825 |
| Return on assets (ROA) | 0.5202% | 4,486 |
| Pretax return on assets | 0.7765% | 3,982 |
| Return on Equity (ROE) | 6.1501% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.4617% | 2,928 |
| Net charge-offs to loans | 0.2541% | 3,065 |
| Credit loss provision to net charge-offs | 130.8411% | 2,113 |
| Earnings coverage of net charge-offs (x) | 4.3645% | 2,495 |
| Efficiency ratio | 79.5624% | 2,612 |
| Assets per employee ($millions) | 3.7531% | 4,413 |
| Cash dividends to net income (ytd only)* | 11.1940% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 6,757 |
| Loan loss allowance to noncurrent loans | 61.0437% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.7442% | 3,646 |
| Noncurrent loans to loans | 1.4341% | 4,318 |
| Net loans and leases to total assets | 84.3062% | 214 |
| Net loans and leases to deposits | 99.6943% | 482 |
| Net loans and leases to core deposits | 103.6514% | 1,084 |
| Total domestic deposits to total assets | 84.5648% | 4,241 |
| Equity capital to assets | 8.9048% | 5,337 |
| Core capital (leverage) ratio | 8.8712% | 4,819 |
| Tier 1 risk-based capital ratio | 10.6249% | 6,736 |
| Total risk-based capital ratio | 11.5175% | 6,898 |
| Memoranda: | ||
| Average total assets | $206,065,000 | 3,032 |
| Average earning assets | $194,618,500 | 2,949 |
| Average equity | $17,430,500 | 3,506 |
| Average total loans | $168,448,500 | 2,455 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1116% | 4,054 |
| Cost of funding earning assets | 1.8386% | 1,034 |
| Net interest margin | 3.2730% | 6,061 |
| Noninterest income to average assets | 0.9416% | 1,699 |
| Noninterest expense to average assets | 3.0651% | 3,609 |
| Loan and lease loss provision to assets | 0.5050% | 3,135 |
| Net operating income to assets | 0.2951% | 4,956 |
| Return on assets (ROA) | 0.3543% | 4,889 |
| Pretax return on assets | 0.5441% | 4,490 |
| Return on Equity (ROE) | 4.5338% | 4,279 |
| Retained earnings to average equity (ytd only) | 4.5338% | 2,697 |
| Net charge-offs to loans | 0.6487% | 3,068 |
| Credit loss provision to net charge-offs | 100.4931% | 4,529 |
| Earnings coverage of net charge-offs (x) | 1.9063% | 4,297 |
| Efficiency ratio | 76.1887% | 3,028 |
| Assets per employee ($millions) | 5.2366% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,732 |
| Loan loss allowance to noncurrent loans | 40.0434% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 1.8581% | 3,545 |
| Noncurrent loans to loans | 2.2403% | 3,284 |
| Net loans and leases to total assets | 77.8425% | 972 |
| Net loans and leases to deposits | 88.7170% | 1,689 |
| Net loans and leases to core deposits | 92.1010% | 2,489 |
| Total domestic deposits to total assets | 87.7425% | 2,398 |
| Equity capital to assets | 8.0272% | 6,472 |
| Core capital (leverage) ratio | 8.0555% | 6,109 |
| Tier 1 risk-based capital ratio | 10.4247% | 6,744 |
| Total risk-based capital ratio | 11.3458% | 6,921 |
| Memoranda: | ||
| Average total assets | $201,785,000 | 3,076 |
| Average earning assets | $189,980,400 | 3,006 |
| Average equity | $15,770,400 | 3,810 |
| Average total loans | $156,303,200 | 2,665 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0691% | 4,483 |
| Cost of funding earning assets | 1.9026% | 1,022 |
| Net interest margin | 3.1665% | 6,440 |
| Noninterest income to average assets | 0.7532% | 2,491 |
| Noninterest expense to average assets | 2.8418% | 4,308 |
| Loan and lease loss provision to assets | 0.5283% | 2,820 |
| Net operating income to assets | 0.2303% | 5,420 |
| Return on assets (ROA) | 0.3089% | 5,302 |
| Pretax return on assets | 0.4790% | 4,997 |
| Return on Equity (ROE) | 3.9803% | 4,793 |
| Retained earnings to average equity (ytd only) | 3.9803% | 3,679 |
| Net charge-offs to loans | 0.8143% | 2,417 |
| Credit loss provision to net charge-offs | 84.0764% | 4,993 |
| Earnings coverage of net charge-offs (x) | 1.4076% | 4,676 |
| Efficiency ratio | 76.2621% | 2,894 |
| Assets per employee ($millions) | 4.4076% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 6,998 |
| Loan loss allowance to noncurrent loans | 45.9159% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 1.6469% | 3,970 |
| Noncurrent loans to loans | 1.7475% | 4,021 |
| Net loans and leases to total assets | 80.5514% | 659 |
| Net loans and leases to deposits | 92.8904% | 1,342 |
| Net loans and leases to core deposits | 96.7879% | 2,169 |
| Total domestic deposits to total assets | 86.7166% | 2,683 |
| Equity capital to assets | 7.9655% | 6,825 |
| Core capital (leverage) ratio | 8.1282% | 6,152 |
| Tier 1 risk-based capital ratio | 10.1810% | 6,966 |
| Total risk-based capital ratio | 11.0233% | 7,153 |
| Memoranda: | ||
| Average total assets | $199,865,250 | 3,141 |
| Average earning assets | $187,669,000 | 3,076 |
| Average equity | $15,509,500 | 3,902 |
| Average total loans | $154,247,000 | 2,744 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 5,122 |
| Cost of funding earning assets | 1.9277% | 1,117 |
| Net interest margin | 3.0339% | 6,760 |
| Noninterest income to average assets | 0.4997% | 4,122 |
| Noninterest expense to average assets | 2.5882% | 5,364 |
| Loan and lease loss provision to assets | 0.5922% | 2,413 |
| Net operating income to assets | 0.1225% | 5,801 |
| Return on assets (ROA) | 0.1840% | 5,738 |
| Pretax return on assets | 0.2725% | 5,583 |
| Return on Equity (ROE) | 2.3928% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.3928% | 4,637 |
| Net charge-offs to loans | 1.1845% | 1,608 |
| Credit loss provision to net charge-offs | 65.9574% | 5,073 |
| Earnings coverage of net charge-offs (x) | 0.8623% | 4,902 |
| Efficiency ratio | 76.9737% | 2,898 |
| Assets per employee ($millions) | 5.1559% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7073% | 7,230 |
| Loan loss allowance to noncurrent loans | 87.5375% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 5,455 |
| Noncurrent loans to loans | 0.8080% | 5,661 |
| Net loans and leases to total assets | 75.5866% | 1,572 |
| Net loans and leases to deposits | 97.7661% | 895 |
| Net loans and leases to core deposits | 102.2591% | 1,804 |
| Total domestic deposits to total assets | 77.3137% | 6,428 |
| Equity capital to assets | 7.1430% | 7,294 |
| Core capital (leverage) ratio | 7.3325% | 6,971 |
| Tier 1 risk-based capital ratio | 9.3145% | 7,332 |
| Total risk-based capital ratio | 10.0261% | 7,466 |
| Memoranda: | ||
| Average total assets | $198,903,670 | 3,181 |
| Average earning assets | $187,681,000 | 3,097 |
| Average equity | $15,296,000 | 3,936 |
| Average total loans | $150,783,000 | 2,820 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9207% | 5,352 |
| Cost of funding earning assets | 1.9937% | 1,111 |
| Net interest margin | 2.9270% | 6,972 |
| Noninterest income to average assets | 0.4630% | 4,359 |
| Noninterest expense to average assets | 2.4958% | 5,742 |
| Loan and lease loss provision to assets | 0.4630% | 2,652 |
| Net operating income to assets | 0.1520% | 5,850 |
| Return on assets (ROA) | 0.2315% | 5,690 |
| Pretax return on assets | 0.3872% | 5,336 |
| Return on Equity (ROE) | 2.8928% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.8928% | 4,396 |
| Net charge-offs to loans | 0.3617% | 2,967 |
| Credit loss provision to net charge-offs | 169.2308% | 2,152 |
| Earnings coverage of net charge-offs (x) | 2.6538% | 3,204 |
| Efficiency ratio | 77.4657% | 2,980 |
| Assets per employee ($millions) | 5.8928% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 6,322 |
| Loan loss allowance to noncurrent loans | 81.8134% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0284% | 5,098 |
| Noncurrent loans to loans | 1.2584% | 4,879 |
| Net loans and leases to total assets | 72.7561% | 2,272 |
| Net loans and leases to deposits | 92.6050% | 1,528 |
| Net loans and leases to core deposits | 97.1683% | 2,433 |
| Total domestic deposits to total assets | 78.5661% | 6,182 |
| Equity capital to assets | 7.3703% | 7,165 |
| Core capital (leverage) ratio | 7.7769% | 6,532 |
| Tier 1 risk-based capital ratio | 9.8392% | 7,124 |
| Total risk-based capital ratio | 10.8504% | 7,245 |
| Memoranda: | ||
| Average total assets | $190,081,000 | 3,363 |
| Average earning assets | $179,162,500 | 3,263 |
| Average equity | $15,210,000 | 3,979 |
| Average total loans | $143,750,500 | 3,007 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8073% | 2,630 |
| Cost of funding earning assets | 2.5486% | 898 |
| Net interest margin | 3.2587% | 5,895 |
| Noninterest income to average assets | 0.4226% | 5,034 |
| Noninterest expense to average assets | 2.5438% | 5,973 |
| Loan and lease loss provision to assets | 0.7994% | 2,735 |
| Net operating income to assets | 0.1129% | 5,174 |
| Return on assets (ROA) | 0.2066% | 4,943 |
| Pretax return on assets | 0.3133% | 4,726 |
| Return on Equity (ROE) | 2.3382% | 4,771 |
| Retained earnings to average equity (ytd only) | 2.3382% | 3,481 |
| Net charge-offs to loans | 0.6889% | 3,124 |
| Credit loss provision to net charge-offs | 142.0759% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.7254% | 4,442 |
| Efficiency ratio | 72.3781% | 4,203 |
| Assets per employee ($millions) | 5.7971% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 5,982 |
| Loan loss allowance to noncurrent loans | 205.1604% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 5,966 |
| Noncurrent loans to loans | 0.5277% | 6,200 |
| Net loans and leases to total assets | 77.2859% | 1,526 |
| Net loans and leases to deposits | 93.0193% | 1,731 |
| Net loans and leases to core deposits | 115.4079% | 2,377 |
| Total domestic deposits to total assets | 83.0859% | 4,486 |
| Equity capital to assets | 8.7509% | 5,516 |
| Core capital (leverage) ratio | 8.8664% | 4,649 |
| Tier 1 risk-based capital ratio | 11.2639% | 5,647 |
| Total risk-based capital ratio | 12.3636% | 5,764 |
| Memoranda: | ||
| Average total assets | $159,248,400 | 3,784 |
| Average earning assets | $151,103,000 | 3,690 |
| Average equity | $14,070,400 | 4,233 |
| Average total loans | $130,063,600 | 3,270 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8276% | 2,766 |
| Cost of funding earning assets | 2.6673% | 867 |
| Net interest margin | 3.1603% | 6,144 |
| Noninterest income to average assets | 0.3891% | 5,393 |
| Noninterest expense to average assets | 2.5178% | 6,014 |
| Loan and lease loss provision to assets | 0.8433% | 2,269 |
| Net operating income to assets | 0.0185% | 5,669 |
| Return on assets (ROA) | 0.1457% | 5,401 |
| Pretax return on assets | 0.2091% | 5,278 |
| Return on Equity (ROE) | 1.6445% | 5,287 |
| Retained earnings to average equity (ytd only) | 1.6445% | 4,394 |
| Net charge-offs to loans | 0.6376% | 2,772 |
| Credit loss provision to net charge-offs | 160.0000% | 2,966 |
| Earnings coverage of net charge-offs (x) | 1.6520% | 4,554 |
| Efficiency ratio | 74.3045% | 3,818 |
| Assets per employee ($millions) | 5.8940% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 5,642 |
| Loan loss allowance to noncurrent loans | 149.0316% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 5,555 |
| Noncurrent loans to loans | 0.7471% | 5,815 |
| Net loans and leases to total assets | 78.6776% | 1,447 |
| Net loans and leases to deposits | 94.8542% | 1,740 |
| Net loans and leases to core deposits | 119.7271% | 2,268 |
| Total domestic deposits to total assets | 82.9458% | 4,252 |
| Equity capital to assets | 8.6449% | 6,044 |
| Core capital (leverage) ratio | 8.7600% | 5,033 |
| Tier 1 risk-based capital ratio | 10.7726% | 6,192 |
| Total risk-based capital ratio | 11.8878% | 6,290 |
| Memoranda: | ||
| Average total assets | $155,582,000 | 3,883 |
| Average earning assets | $147,661,750 | 3,768 |
| Average equity | $13,783,250 | 4,337 |
| Average total loans | $128,609,000 | 3,329 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8733% | 2,698 |
| Cost of funding earning assets | 2.8011% | 789 |
| Net interest margin | 3.0722% | 6,327 |
| Noninterest income to average assets | 0.3031% | 6,097 |
| Noninterest expense to average assets | 2.4352% | 6,355 |
| Loan and lease loss provision to assets | 0.5511% | 2,817 |
| Net operating income to assets | 0.1592% | 5,396 |
| Return on assets (ROA) | 0.1601% | 5,480 |
| Pretax return on assets | 0.2322% | 5,381 |
| Return on Equity (ROE) | 1.7912% | 5,375 |
| Retained earnings to average equity (ytd only) | 1.7912% | 4,344 |
| Net charge-offs to loans | 0.5559% | 2,664 |
| Credit loss provision to net charge-offs | 118.3099% | 3,929 |
| Earnings coverage of net charge-offs (x) | 1.6789% | 4,289 |
| Efficiency ratio | 75.6933% | 3,743 |
| Assets per employee ($millions) | 5.9027% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 6,908 |
| Loan loss allowance to noncurrent loans | 1,103.8095% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 6,825 |
| Noncurrent loans to loans | 0.0787% | 7,330 |
| Net loans and leases to total assets | 82.9596% | 793 |
| Net loans and leases to deposits | 100.2647% | 1,266 |
| Net loans and leases to core deposits | 132.2610% | 1,421 |
| Total domestic deposits to total assets | 82.7406% | 4,365 |
| Equity capital to assets | 8.8603% | 5,511 |
| Core capital (leverage) ratio | 8.9201% | 4,759 |
| Tier 1 risk-based capital ratio | 10.5543% | 6,328 |
| Total risk-based capital ratio | 11.4381% | 6,656 |
| Memoranda: | ||
| Average total assets | $152,431,670 | 3,957 |
| Average earning assets | $144,587,000 | 3,849 |
| Average equity | $13,622,000 | 4,388 |
| Average total loans | $127,710,000 | 3,386 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8296% | 3,143 |
| Cost of funding earning assets | 2.9446% | 692 |
| Net interest margin | 2.8850% | 6,785 |
| Noninterest income to average assets | 0.1262% | 7,388 |
| Noninterest expense to average assets | 2.2449% | 6,710 |
| Loan and lease loss provision to assets | 0.4914% | 2,508 |
| Net operating income to assets | 0.0940% | 5,996 |
| Return on assets (ROA) | 0.0940% | 6,159 |
| Pretax return on assets | 0.1235% | 6,111 |
| Return on Equity (ROE) | 1.0469% | 6,111 |
| Retained earnings to average equity (ytd only) | 1.0469% | 5,226 |
| Net charge-offs to loans | 1.0474% | 1,295 |
| Credit loss provision to net charge-offs | 55.9633% | 4,587 |
| Earnings coverage of net charge-offs (x) | 0.7003% | 4,450 |
| Efficiency ratio | 78.4977% | 3,086 |
| Assets per employee ($millions) | 6.4673% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 7,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 6,932 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 81.7924% | 1,048 |
| Net loans and leases to deposits | 98.9648% | 1,538 |
| Net loans and leases to core deposits | 132.5683% | 1,499 |
| Total domestic deposits to total assets | 82.6479% | 4,314 |
| Equity capital to assets | 8.8980% | 5,480 |
| Core capital (leverage) ratio | 9.1203% | 4,521 |
| Tier 1 risk-based capital ratio | 10.7205% | 6,166 |
| Total risk-based capital ratio | 11.4736% | 6,603 |
| Memoranda: | ||
| Average total assets | $148,960,500 | 4,031 |
| Average earning assets | $141,142,000 | 3,928 |
| Average equity | $13,372,500 | 4,487 |
| Average total loans | $124,877,500 | 3,465 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5274% | 2,827 |
| Cost of funding earning assets | 3.2471% | 1,047 |
| Net interest margin | 3.2803% | 6,103 |
| Noninterest income to average assets | 0.1262% | 7,485 |
| Noninterest expense to average assets | 2.7649% | 4,988 |
| Loan and lease loss provision to assets | 0.5607% | 2,575 |
| Net operating income to assets | -0.0405% | 6,427 |
| Return on assets (ROA) | 0.0665% | 6,044 |
| Pretax return on assets | 0.0963% | 5,952 |
| Return on Equity (ROE) | 0.5847% | 6,045 |
| Retained earnings to average equity (ytd only) | 0.5847% | 4,890 |
| Net charge-offs to loans | 0.0744% | 5,696 |
| Credit loss provision to net charge-offs | 881.8182% | 500 |
| Earnings coverage of net charge-offs (x) | 7.8939% | 3,002 |
| Efficiency ratio | 84.6358% | 1,993 |
| Assets per employee ($millions) | 6.2046% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 6,686 |
| Loan loss allowance to noncurrent loans | 231.7797% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 5,879 |
| Noncurrent loans to loans | 0.3874% | 6,182 |
| Net loans and leases to total assets | 84.6201% | 790 |
| Net loans and leases to deposits | 102.5781% | 1,521 |
| Net loans and leases to core deposits | 148.8029% | 897 |
| Total domestic deposits to total assets | 82.4934% | 3,998 |
| Equity capital to assets | 9.0634% | 5,276 |
| Core capital (leverage) ratio | 9.4840% | 4,033 |
| Tier 1 risk-based capital ratio | 10.3670% | 6,347 |
| Total risk-based capital ratio | 11.2604% | 6,603 |
| Memoranda: | ||
| Average total assets | $103,803,000 | 4,941 |
| Average earning assets | $99,381,200 | 4,820 |
| Average equity | $11,801,200 | 4,890 |
| Average total loans | $88,656,600 | 4,270 |