Home > Kleberg Bank, N.A. > Performance and Condition Ratios
Kleberg Bank, N.A., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4141% | 2,275 |
| Cost of funding earning assets | 1.3291% | 3,544 |
| Net interest margin | 4.0850% | 1,134 |
| Noninterest income to average assets | 0.7100% | 1,015 |
| Noninterest expense to average assets | 2.9377% | 1,256 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | 1.2641% | 1,556 |
| Return on assets (ROA) | 1.2641% | 1,559 |
| Pretax return on assets | 1.2641% | 2,078 |
| Return on Equity (ROE) | 14.5500% | 1,167 |
| Retained earnings to average equity (ytd only) | 6.9196% | 2,023 |
| Net charge-offs to loans | 0.1528% | 643 |
| Credit loss provision to net charge-offs | 131.1475% | 1,098 |
| Earnings coverage of net charge-offs (x) | 13.8306% | 1,587 |
| Efficiency ratio | 67.2955% | 2,117 |
| Assets per employee ($millions) | 5.7004% | 3,168 |
| Cash dividends to net income (ytd only)* | 52.4320% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,079 |
| Loan loss allowance to noncurrent loans | 245.3411% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 1,972 |
| Noncurrent loans to loans | 0.4975% | 1,869 |
| Net loans and leases to total assets | 66.4500% | 2,240 |
| Net loans and leases to deposits | 75.5894% | 2,435 |
| Net loans and leases to core deposits | 90.5926% | 2,012 |
| Total domestic deposits to total assets | 87.9200% | 1,583 |
| Equity capital to assets | 8.8577% | 3,032 |
| Core capital (leverage) ratio | 9.5294% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3248% | 1,747 |
| Memoranda: | ||
| Average total assets | $709,119,500 | 1,349 |
| Average earning assets | $633,823,500 | 1,379 |
| Average equity | $61,622,500 | 1,512 |
| Average total loans | $478,994,000 | 1,355 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1708% | 2,799 |
| Cost of funding earning assets | 1.2817% | 3,701 |
| Net interest margin | 3.8891% | 1,372 |
| Noninterest income to average assets | 0.8700% | 800 |
| Noninterest expense to average assets | 2.8569% | 1,398 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 1.3353% | 1,205 |
| Return on assets (ROA) | 1.2768% | 1,346 |
| Pretax return on assets | 1.2768% | 1,808 |
| Return on Equity (ROE) | 15.5400% | 852 |
| Retained earnings to average equity (ytd only) | 5.3688% | 2,077 |
| Net charge-offs to loans | 0.0896% | 1,259 |
| Credit loss provision to net charge-offs | 259.0331% | 978 |
| Earnings coverage of net charge-offs (x) | 27.0356% | 1,605 |
| Efficiency ratio | 65.6338% | 2,525 |
| Assets per employee ($millions) | 5.8332% | 3,004 |
| Cash dividends to net income (ytd only)* | 65.4537% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,017 |
| Loan loss allowance to noncurrent loans | 281.6297% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 2,055 |
| Noncurrent loans to loans | 0.4368% | 1,973 |
| Net loans and leases to total assets | 66.9900% | 2,259 |
| Net loans and leases to deposits | 76.5481% | 2,401 |
| Net loans and leases to core deposits | 91.4936% | 2,006 |
| Total domestic deposits to total assets | 87.5200% | 1,695 |
| Equity capital to assets | 8.5179% | 3,183 |
| Core capital (leverage) ratio | 9.6717% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4751% | 1,683 |
| Memoranda: | ||
| Average total assets | $710,273,000 | 1,331 |
| Average earning assets | $635,263,400 | 1,360 |
| Average equity | $58,355,800 | 1,529 |
| Average total loans | $438,625,000 | 1,435 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1197% | 2,818 |
| Cost of funding earning assets | 1.2880% | 3,688 |
| Net interest margin | 3.8317% | 1,409 |
| Noninterest income to average assets | 0.9000% | 727 |
| Noninterest expense to average assets | 2.7824% | 1,492 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.4318% | 1,047 |
| Return on assets (ROA) | 1.3747% | 1,153 |
| Pretax return on assets | 1.3747% | 1,577 |
| Return on Equity (ROE) | 16.8800% | 700 |
| Retained earnings to average equity (ytd only) | 4.4544% | 2,671 |
| Net charge-offs to loans | 0.0925% | 1,032 |
| Credit loss provision to net charge-offs | 196.3087% | 1,094 |
| Earnings coverage of net charge-offs (x) | 27.7114% | 1,578 |
| Efficiency ratio | 64.3036% | 2,680 |
| Assets per employee ($millions) | 5.7810% | 3,044 |
| Cash dividends to net income (ytd only)* | 73.6190% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 1,972 |
| Loan loss allowance to noncurrent loans | 947.1601% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 3,130 |
| Noncurrent loans to loans | 0.1314% | 3,018 |
| Net loans and leases to total assets | 62.9200% | 2,644 |
| Net loans and leases to deposits | 70.2217% | 2,960 |
| Net loans and leases to core deposits | 83.8996% | 2,574 |
| Total domestic deposits to total assets | 89.6100% | 707 |
| Equity capital to assets | 9.1775% | 2,897 |
| Core capital (leverage) ratio | 9.4017% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8648% | 1,573 |
| Memoranda: | ||
| Average total assets | $712,845,250 | 1,319 |
| Average earning assets | $637,680,250 | 1,350 |
| Average equity | $58,038,750 | 1,527 |
| Average total loans | $429,587,750 | 1,451 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 2,897 |
| Cost of funding earning assets | 1.2929% | 3,641 |
| Net interest margin | 3.7360% | 1,532 |
| Noninterest income to average assets | 0.9400% | 664 |
| Noninterest expense to average assets | 2.7521% | 1,562 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.4207% | 1,047 |
| Return on assets (ROA) | 1.4207% | 1,048 |
| Pretax return on assets | 1.4207% | 1,436 |
| Return on Equity (ROE) | 18.1900% | 599 |
| Retained earnings to average equity (ytd only) | 3.0198% | 3,039 |
| Net charge-offs to loans | 0.0790% | 1,009 |
| Credit loss provision to net charge-offs | 241.0714% | 913 |
| Earnings coverage of net charge-offs (x) | 32.8214% | 1,353 |
| Efficiency ratio | 64.2204% | 2,747 |
| Assets per employee ($millions) | 5.7393% | 3,020 |
| Cash dividends to net income (ytd only)* | 83.4018% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 1,937 |
| Loan loss allowance to noncurrent loans | 868.3121% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 3,021 |
| Noncurrent loans to loans | 0.1451% | 2,925 |
| Net loans and leases to total assets | 61.5500% | 2,808 |
| Net loans and leases to deposits | 67.8641% | 3,136 |
| Net loans and leases to core deposits | 79.5147% | 2,831 |
| Total domestic deposits to total assets | 90.7000% | 531 |
| Equity capital to assets | 8.1526% | 3,334 |
| Core capital (leverage) ratio | 9.1555% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0333% | 1,514 |
| Memoranda: | ||
| Average total assets | $719,220,000 | 1,316 |
| Average earning assets | $644,748,333 | 1,334 |
| Average equity | $56,163,000 | 1,546 |
| Average total loans | $425,445,000 | 1,465 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 2,900 |
| Cost of funding earning assets | 1.2793% | 3,593 |
| Net interest margin | 3.6644% | 1,609 |
| Noninterest income to average assets | 1.1000% | 485 |
| Noninterest expense to average assets | 2.7485% | 1,575 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 1.4992% | 902 |
| Return on assets (ROA) | 1.4992% | 916 |
| Pretax return on assets | 1.4992% | 1,250 |
| Return on Equity (ROE) | 19.6100% | 470 |
| Retained earnings to average equity (ytd only) | 12.0422% | 735 |
| Net charge-offs to loans | 0.1091% | 686 |
| Credit loss provision to net charge-offs | 234.7826% | 757 |
| Earnings coverage of net charge-offs (x) | 26.1913% | 1,225 |
| Efficiency ratio | 62.5327% | 2,974 |
| Assets per employee ($millions) | 6.1104% | 2,745 |
| Cash dividends to net income (ytd only)* | 38.5850% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 1,949 |
| Loan loss allowance to noncurrent loans | 715.1798% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 2,955 |
| Noncurrent loans to loans | 0.1763% | 2,739 |
| Net loans and leases to total assets | 56.4200% | 3,159 |
| Net loans and leases to deposits | 64.1210% | 3,284 |
| Net loans and leases to core deposits | 73.5919% | 3,131 |
| Total domestic deposits to total assets | 87.9800% | 1,426 |
| Equity capital to assets | 7.4980% | 3,675 |
| Core capital (leverage) ratio | 9.0759% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3580% | 1,440 |
| Memoranda: | ||
| Average total assets | $731,603,500 | 1,298 |
| Average earning assets | $657,243,500 | 1,329 |
| Average equity | $55,936,500 | 1,544 |
| Average total loans | $421,722,500 | 1,470 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 2,634 |
| Cost of funding earning assets | 0.9964% | 3,306 |
| Net interest margin | 3.7237% | 1,711 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.7093% | 1,713 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2619% | 1,519 |
| Return on assets (ROA) | 1.1998% | 1,628 |
| Pretax return on assets | 1.1998% | 2,142 |
| Return on Equity (ROE) | 16.4100% | 1,036 |
| Retained earnings to average equity (ytd only) | 5.8804% | 2,295 |
| Net charge-offs to loans | 0.0904% | 973 |
| Credit loss provision to net charge-offs | 146.7391% | 1,491 |
| Earnings coverage of net charge-offs (x) | 26.2011% | 1,714 |
| Efficiency ratio | 66.6563% | 2,267 |
| Assets per employee ($millions) | 5.9812% | 2,842 |
| Cash dividends to net income (ytd only)* | 64.1753% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,023 |
| Loan loss allowance to noncurrent loans | 495.8175% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 2,541 |
| Noncurrent loans to loans | 0.2520% | 2,292 |
| Net loans and leases to total assets | 57.4400% | 3,087 |
| Net loans and leases to deposits | 66.4338% | 3,143 |
| Net loans and leases to core deposits | 76.5523% | 2,939 |
| Total domestic deposits to total assets | 86.4700% | 1,871 |
| Equity capital to assets | 7.7992% | 3,544 |
| Core capital (leverage) ratio | 8.8469% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4043% | 1,415 |
| Memoranda: | ||
| Average total assets | $711,440,200 | 1,292 |
| Average earning assets | $635,095,400 | 1,318 |
| Average equity | $52,003,400 | 1,556 |
| Average total loans | $407,208,000 | 1,454 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 2,683 |
| Cost of funding earning assets | 0.9086% | 3,253 |
| Net interest margin | 3.6887% | 1,802 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.6868% | 1,706 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.2184% | 1,739 |
| Return on assets (ROA) | 1.1638% | 1,875 |
| Pretax return on assets | 1.1638% | 2,379 |
| Return on Equity (ROE) | 16.2000% | 1,220 |
| Retained earnings to average equity (ytd only) | 3.5365% | 3,375 |
| Net charge-offs to loans | 0.0926% | 831 |
| Credit loss provision to net charge-offs | 135.2313% | 1,385 |
| Earnings coverage of net charge-offs (x) | 24.8292% | 1,698 |
| Efficiency ratio | 67.2164% | 2,110 |
| Assets per employee ($millions) | 5.6780% | 3,041 |
| Cash dividends to net income (ytd only)* | 78.1633% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 1,970 |
| Loan loss allowance to noncurrent loans | 396.8364% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 2,375 |
| Noncurrent loans to loans | 0.3222% | 2,078 |
| Net loans and leases to total assets | 55.9600% | 3,209 |
| Net loans and leases to deposits | 64.2604% | 3,249 |
| Net loans and leases to core deposits | 73.5917% | 3,016 |
| Total domestic deposits to total assets | 87.0800% | 1,868 |
| Equity capital to assets | 6.8781% | 3,674 |
| Core capital (leverage) ratio | 8.6629% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4383% | 1,439 |
| Memoranda: | ||
| Average total assets | $709,865,500 | 1,287 |
| Average earning assets | $633,165,250 | 1,318 |
| Average equity | $51,009,750 | 1,570 |
| Average total loans | $404,633,750 | 1,457 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 2,784 |
| Cost of funding earning assets | 0.8021% | 3,196 |
| Net interest margin | 3.6427% | 1,930 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.6829% | 1,680 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.1878% | 1,861 |
| Return on assets (ROA) | 1.1058% | 2,101 |
| Pretax return on assets | 1.1058% | 2,633 |
| Return on Equity (ROE) | 15.1700% | 1,437 |
| Retained earnings to average equity (ytd only) | 0.7112% | 3,955 |
| Net charge-offs to loans | 0.0493% | 1,023 |
| Credit loss provision to net charge-offs | 140.0000% | 1,237 |
| Earnings coverage of net charge-offs (x) | 44.6600% | 1,345 |
| Efficiency ratio | 68.0749% | 1,978 |
| Assets per employee ($millions) | 5.6956% | 2,979 |
| Cash dividends to net income (ytd only)* | 95.3121% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,121 |
| Loan loss allowance to noncurrent loans | 197.7821% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 1,465 |
| Noncurrent loans to loans | 0.6379% | 1,168 |
| Net loans and leases to total assets | 55.8700% | 3,131 |
| Net loans and leases to deposits | 64.1227% | 3,184 |
| Net loans and leases to core deposits | 72.4706% | 2,991 |
| Total domestic deposits to total assets | 87.1300% | 1,887 |
| Equity capital to assets | 7.1379% | 3,718 |
| Core capital (leverage) ratio | 8.6472% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9312% | 1,591 |
| Memoranda: | ||
| Average total assets | $709,904,667 | 1,283 |
| Average earning assets | $632,822,000 | 1,319 |
| Average equity | $51,740,667 | 1,557 |
| Average total loans | $405,414,667 | 1,445 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 2,959 |
| Cost of funding earning assets | 0.6760% | 3,135 |
| Net interest margin | 3.5616% | 2,217 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.6904% | 1,704 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.0495% | 2,386 |
| Return on assets (ROA) | 0.9954% | 2,511 |
| Pretax return on assets | 0.9954% | 3,009 |
| Return on Equity (ROE) | 13.5200% | 1,877 |
| Retained earnings to average equity (ytd only) | 4.4749% | 3,136 |
| Net charge-offs to loans | 0.0590% | 785 |
| Credit loss provision to net charge-offs | 216.6667% | 791 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,242 |
| Efficiency ratio | 69.4234% | 1,809 |
| Assets per employee ($millions) | 5.6392% | 3,081 |
| Cash dividends to net income (ytd only)* | 66.8934% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,301 |
| Loan loss allowance to noncurrent loans | 135.1480% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 962 |
| Noncurrent loans to loans | 0.9237% | 812 |
| Net loans and leases to total assets | 57.3900% | 2,920 |
| Net loans and leases to deposits | 64.0771% | 3,077 |
| Net loans and leases to core deposits | 71.7154% | 2,840 |
| Total domestic deposits to total assets | 89.5700% | 1,309 |
| Equity capital to assets | 7.4995% | 3,558 |
| Core capital (leverage) ratio | 8.7008% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8121% | 1,678 |
| Memoranda: | ||
| Average total assets | $708,881,500 | 1,302 |
| Average earning assets | $631,394,500 | 1,338 |
| Average equity | $52,202,000 | 1,557 |
| Average total loans | $406,687,000 | 1,459 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 2,213 |
| Cost of funding earning assets | 0.2589% | 3,251 |
| Net interest margin | 3.5641% | 1,746 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.6862% | 1,588 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1958% | 1,788 |
| Return on assets (ROA) | 1.1958% | 1,724 |
| Pretax return on assets | 1.1958% | 2,451 |
| Return on Equity (ROE) | 14.3100% | 1,459 |
| Retained earnings to average equity (ytd only) | 5.3944% | 2,874 |
| Net charge-offs to loans | 0.0494% | 1,179 |
| Credit loss provision to net charge-offs | 308.5106% | 903 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 1,392 |
| Efficiency ratio | 67.7550% | 1,995 |
| Assets per employee ($millions) | 5.6576% | 3,080 |
| Cash dividends to net income (ytd only)* | 62.3080% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,154 |
| Loan loss allowance to noncurrent loans | 258.9322% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 1,788 |
| Noncurrent loans to loans | 0.4825% | 1,493 |
| Net loans and leases to total assets | 55.9200% | 3,041 |
| Net loans and leases to deposits | 61.7956% | 3,215 |
| Net loans and leases to core deposits | 68.8363% | 2,953 |
| Total domestic deposits to total assets | 90.5000% | 1,148 |
| Equity capital to assets | 7.2301% | 3,535 |
| Core capital (leverage) ratio | 8.7050% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9191% | 1,652 |
| Memoranda: | ||
| Average total assets | $702,220,400 | 1,306 |
| Average earning assets | $623,298,200 | 1,342 |
| Average equity | $58,672,400 | 1,427 |
| Average total loans | $380,207,400 | 1,454 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 2,022 |
| Cost of funding earning assets | 0.1813% | 3,505 |
| Net interest margin | 3.5272% | 1,582 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.6931% | 1,489 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1786% | 1,779 |
| Return on assets (ROA) | 1.1786% | 1,751 |
| Pretax return on assets | 1.1786% | 2,456 |
| Return on Equity (ROE) | 13.6400% | 1,527 |
| Retained earnings to average equity (ytd only) | 3.5154% | 3,612 |
| Net charge-offs to loans | 0.0648% | 839 |
| Credit loss provision to net charge-offs | 241.7582% | 909 |
| Earnings coverage of net charge-offs (x) | 36.3956% | 1,426 |
| Efficiency ratio | 68.0833% | 2,012 |
| Assets per employee ($millions) | 5.1728% | 3,526 |
| Cash dividends to net income (ytd only)* | 74.2238% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,324 |
| Loan loss allowance to noncurrent loans | 263.4120% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 1,867 |
| Noncurrent loans to loans | 0.4705% | 1,624 |
| Net loans and leases to total assets | 56.8700% | 2,818 |
| Net loans and leases to deposits | 64.8743% | 2,803 |
| Net loans and leases to core deposits | 71.8913% | 2,491 |
| Total domestic deposits to total assets | 87.6700% | 2,526 |
| Equity capital to assets | 7.0587% | 3,479 |
| Core capital (leverage) ratio | 8.5705% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6543% | 1,828 |
| Memoranda: | ||
| Average total assets | $699,561,000 | 1,315 |
| Average earning assets | $620,640,750 | 1,357 |
| Average equity | $60,455,500 | 1,415 |
| Average total loans | $374,334,250 | 1,470 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 1,887 |
| Cost of funding earning assets | 0.1338% | 3,790 |
| Net interest margin | 3.4518% | 1,448 |
| Noninterest income to average assets | 0.8299% | 984 |
| Noninterest expense to average assets | 2.6434% | 1,517 |
| Loan and lease loss provision to assets | 0.0711% | 1,344 |
| Net operating income to assets | 1.1751% | 1,518 |
| Return on assets (ROA) | 1.1751% | 1,497 |
| Pretax return on assets | 1.1751% | 2,151 |
| Return on Equity (ROE) | 12.8315% | 1,430 |
| Retained earnings to average equity (ytd only) | 1.9218% | 3,773 |
| Net charge-offs to loans | 0.0605% | 801 |
| Credit loss provision to net charge-offs | 225.2252% | 917 |
| Earnings coverage of net charge-offs (x) | 39.4865% | 1,264 |
| Efficiency ratio | 67.9605% | 2,250 |
| Assets per employee ($millions) | 5.0822% | 3,605 |
| Cash dividends to net income (ytd only)* | 85.0230% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,478 |
| Loan loss allowance to noncurrent loans | 249.7914% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 1,912 |
| Noncurrent loans to loans | 0.4958% | 1,636 |
| Net loans and leases to total assets | 55.6837% | 2,790 |
| Net loans and leases to deposits | 62.7849% | 2,827 |
| Net loans and leases to core deposits | 67.9145% | 2,659 |
| Total domestic deposits to total assets | 88.6897% | 2,299 |
| Equity capital to assets | 7.4949% | 3,484 |
| Core capital (leverage) ratio | 8.3189% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5756% | 1,836 |
| Memoranda: | ||
| Average total assets | $703,418,667 | 1,317 |
| Average earning assets | $623,493,667 | 1,363 |
| Average equity | $64,419,667 | 1,370 |
| Average total loans | $367,047,333 | 1,485 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5751% | 1,576 |
| Cost of funding earning assets | 0.1232% | 3,862 |
| Net interest margin | 3.4518% | 1,184 |
| Noninterest income to average assets | 0.7780% | 1,092 |
| Noninterest expense to average assets | 2.5946% | 1,623 |
| Loan and lease loss provision to assets | 0.0281% | 1,862 |
| Net operating income to assets | 1.2235% | 1,188 |
| Return on assets (ROA) | 1.2235% | 1,170 |
| Pretax return on assets | 1.2235% | 1,721 |
| Return on Equity (ROE) | 12.2845% | 1,232 |
| Retained earnings to average equity (ytd only) | 6.3284% | 2,132 |
| Net charge-offs to loans | 0.0840% | 584 |
| Credit loss provision to net charge-offs | 66.6667% | 1,145 |
| Earnings coverage of net charge-offs (x) | 29.7067% | 1,136 |
| Efficiency ratio | 67.4602% | 2,573 |
| Assets per employee ($millions) | 5.5437% | 3,283 |
| Cash dividends to net income (ytd only)* | 48.4848% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 2,244 |
| Loan loss allowance to noncurrent loans | 242.1245% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 2,087 |
| Noncurrent loans to loans | 0.5468% | 1,669 |
| Net loans and leases to total assets | 47.8497% | 3,401 |
| Net loans and leases to deposits | 54.8541% | 3,355 |
| Net loans and leases to core deposits | 58.2496% | 3,290 |
| Total domestic deposits to total assets | 87.2307% | 2,840 |
| Equity capital to assets | 9.0879% | 2,634 |
| Core capital (leverage) ratio | 8.5809% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0401% | 1,504 |
| Memoranda: | ||
| Average total assets | $712,082,500 | 1,303 |
| Average earning assets | $632,937,000 | 1,355 |
| Average equity | $70,918,500 | 1,321 |
| Average total loans | $357,155,000 | 1,499 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 2,010 |
| Cost of funding earning assets | 0.1617% | 3,853 |
| Net interest margin | 3.5766% | 1,531 |
| Noninterest income to average assets | 0.8740% | 1,274 |
| Noninterest expense to average assets | 2.7330% | 1,538 |
| Loan and lease loss provision to assets | 0.0421% | 2,209 |
| Net operating income to assets | 1.2441% | 1,763 |
| Return on assets (ROA) | 1.2399% | 1,834 |
| Pretax return on assets | 1.2399% | 2,552 |
| Return on Equity (ROE) | 11.2321% | 2,089 |
| Retained earnings to average equity (ytd only) | 7.6050% | 1,693 |
| Net charge-offs to loans | 0.0497% | 1,319 |
| Credit loss provision to net charge-offs | 151.8519% | 1,484 |
| Earnings coverage of net charge-offs (x) | 46.3810% | 1,346 |
| Efficiency ratio | 67.9991% | 1,979 |
| Assets per employee ($millions) | 5.3294% | 3,442 |
| Cash dividends to net income (ytd only)* | 32.2920% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,476 |
| Loan loss allowance to noncurrent loans | 561.8357% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 3,102 |
| Noncurrent loans to loans | 0.2270% | 2,819 |
| Net loans and leases to total assets | 51.2005% | 3,154 |
| Net loans and leases to deposits | 59.8588% | 3,087 |
| Net loans and leases to core deposits | 63.5912% | 3,021 |
| Total domestic deposits to total assets | 85.5355% | 3,076 |
| Equity capital to assets | 10.8520% | 1,903 |
| Core capital (leverage) ratio | 8.5923% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1469% | 1,466 |
| Memoranda: | ||
| Average total assets | $681,559,800 | 1,304 |
| Average earning assets | $599,338,200 | 1,379 |
| Average equity | $75,239,800 | 1,271 |
| Average total loans | $380,285,800 | 1,429 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7908% | 2,030 |
| Cost of funding earning assets | 0.1757% | 3,863 |
| Net interest margin | 3.6152% | 1,564 |
| Noninterest income to average assets | 0.8600% | 1,346 |
| Noninterest expense to average assets | 2.7410% | 1,484 |
| Loan and lease loss provision to assets | 0.0271% | 2,454 |
| Net operating income to assets | 1.2618% | 1,950 |
| Return on assets (ROA) | 1.2562% | 2,032 |
| Pretax return on assets | 1.2562% | 2,749 |
| Return on Equity (ROE) | 11.3296% | 2,264 |
| Retained earnings to average equity (ytd only) | 7.4683% | 2,240 |
| Net charge-offs to loans | 0.0514% | 1,151 |
| Credit loss provision to net charge-offs | 92.5676% | 1,650 |
| Earnings coverage of net charge-offs (x) | 44.1554% | 1,301 |
| Efficiency ratio | 68.0190% | 1,833 |
| Assets per employee ($millions) | 5.1479% | 3,555 |
| Cash dividends to net income (ytd only)* | 34.0816% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 3,016 |
| Loan loss allowance to noncurrent loans | 424.5794% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,076 |
| Noncurrent loans to loans | 0.2813% | 2,790 |
| Net loans and leases to total assets | 54.8888% | 2,867 |
| Net loans and leases to deposits | 64.6428% | 2,774 |
| Net loans and leases to core deposits | 68.8172% | 2,704 |
| Total domestic deposits to total assets | 84.9109% | 3,147 |
| Equity capital to assets | 11.2559% | 1,852 |
| Core capital (leverage) ratio | 8.5922% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4884% | 1,801 |
| Memoranda: | ||
| Average total assets | $676,079,500 | 1,329 |
| Average earning assets | $592,785,000 | 1,409 |
| Average equity | $74,964,250 | 1,295 |
| Average total loans | $384,147,750 | 1,448 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 2,305 |
| Cost of funding earning assets | 0.1928% | 3,826 |
| Net interest margin | 3.5160% | 1,815 |
| Noninterest income to average assets | 0.8452% | 1,403 |
| Noninterest expense to average assets | 2.7516% | 1,459 |
| Loan and lease loss provision to assets | 0.0258% | 2,455 |
| Net operating income to assets | 1.1447% | 2,386 |
| Return on assets (ROA) | 1.1438% | 2,450 |
| Pretax return on assets | 1.1438% | 3,079 |
| Return on Equity (ROE) | 10.3685% | 2,629 |
| Retained earnings to average equity (ytd only) | 7.3926% | 2,293 |
| Net charge-offs to loans | 0.0752% | 901 |
| Credit loss provision to net charge-offs | 60.0000% | 1,558 |
| Earnings coverage of net charge-offs (x) | 27.1724% | 1,368 |
| Efficiency ratio | 70.1560% | 1,616 |
| Assets per employee ($millions) | 4.8140% | 3,826 |
| Cash dividends to net income (ytd only)* | 28.7013% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 3,180 |
| Loan loss allowance to noncurrent loans | 160.3424% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 1,959 |
| Noncurrent loans to loans | 0.7185% | 1,646 |
| Net loans and leases to total assets | 56.8363% | 2,800 |
| Net loans and leases to deposits | 66.7609% | 2,750 |
| Net loans and leases to core deposits | 71.0931% | 2,683 |
| Total domestic deposits to total assets | 85.1341% | 3,040 |
| Equity capital to assets | 11.0876% | 1,923 |
| Core capital (leverage) ratio | 8.1414% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4809% | 1,808 |
| Memoranda: | ||
| Average total assets | $673,214,333 | 1,332 |
| Average earning assets | $589,143,667 | 1,404 |
| Average equity | $74,263,667 | 1,295 |
| Average total loans | $385,412,667 | 1,455 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 2,730 |
| Cost of funding earning assets | 0.2036% | 3,878 |
| Net interest margin | 3.3678% | 2,193 |
| Noninterest income to average assets | 0.8735% | 1,400 |
| Noninterest expense to average assets | 2.8047% | 1,358 |
| Loan and lease loss provision to assets | 0.0925% | 1,447 |
| Net operating income to assets | 0.9170% | 3,086 |
| Return on assets (ROA) | 0.9170% | 3,162 |
| Pretax return on assets | 0.9170% | 3,566 |
| Return on Equity (ROE) | 8.3345% | 3,230 |
| Retained earnings to average equity (ytd only) | 3.9042% | 3,530 |
| Net charge-offs to loans | 0.1598% | 494 |
| Credit loss provision to net charge-offs | 101.3072% | 1,103 |
| Earnings coverage of net charge-offs (x) | 11.0588% | 1,471 |
| Efficiency ratio | 73.5336% | 1,349 |
| Assets per employee ($millions) | 4.7445% | 3,891 |
| Cash dividends to net income (ytd only)* | 53.1555% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,120 |
| Loan loss allowance to noncurrent loans | 140.4872% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 1,997 |
| Noncurrent loans to loans | 0.8293% | 1,611 |
| Net loans and leases to total assets | 55.4165% | 3,104 |
| Net loans and leases to deposits | 64.9328% | 3,033 |
| Net loans and leases to core deposits | 71.0857% | 2,776 |
| Total domestic deposits to total assets | 85.3444% | 2,982 |
| Equity capital to assets | 10.4569% | 2,310 |
| Core capital (leverage) ratio | 8.2793% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2589% | 1,829 |
| Memoranda: | ||
| Average total assets | $670,438,000 | 1,330 |
| Average earning assets | $585,432,500 | 1,392 |
| Average equity | $73,766,000 | 1,297 |
| Average total loans | $382,978,000 | 1,458 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 2,817 |
| Cost of funding earning assets | 0.3225% | 4,013 |
| Net interest margin | 3.6486% | 1,984 |
| Noninterest income to average assets | 0.8933% | 1,283 |
| Noninterest expense to average assets | 2.9789% | 1,480 |
| Loan and lease loss provision to assets | 0.1524% | 2,469 |
| Net operating income to assets | 0.9207% | 2,608 |
| Return on assets (ROA) | 0.9215% | 2,741 |
| Pretax return on assets | 0.9215% | 3,311 |
| Return on Equity (ROE) | 7.9678% | 2,834 |
| Retained earnings to average equity (ytd only) | 3.6208% | 3,031 |
| Net charge-offs to loans | 0.2380% | 736 |
| Credit loss provision to net charge-offs | 108.6705% | 2,736 |
| Earnings coverage of net charge-offs (x) | 7.6520% | 2,675 |
| Efficiency ratio | 73.5166% | 1,503 |
| Assets per employee ($millions) | 4.4995% | 3,918 |
| Cash dividends to net income (ytd only)* | 54.5567% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 2,866 |
| Loan loss allowance to noncurrent loans | 244.1823% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 2,838 |
| Noncurrent loans to loans | 0.4975% | 2,483 |
| Net loans and leases to total assets | 57.5580% | 3,137 |
| Net loans and leases to deposits | 67.8178% | 3,098 |
| Net loans and leases to core deposits | 75.0233% | 2,817 |
| Total domestic deposits to total assets | 84.8715% | 2,819 |
| Equity capital to assets | 11.5943% | 1,813 |
| Core capital (leverage) ratio | 8.3299% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8688% | 1,900 |
| Memoranda: | ||
| Average total assets | $616,814,200 | 1,303 |
| Average earning assets | $533,986,800 | 1,384 |
| Average equity | $71,337,000 | 1,277 |
| Average total loans | $363,428,000 | 1,468 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 2,963 |
| Cost of funding earning assets | 0.3493% | 4,059 |
| Net interest margin | 3.6545% | 2,090 |
| Noninterest income to average assets | 0.8732% | 1,305 |
| Noninterest expense to average assets | 2.9941% | 1,454 |
| Loan and lease loss provision to assets | 0.1716% | 2,269 |
| Net operating income to assets | 0.8697% | 2,823 |
| Return on assets (ROA) | 0.8723% | 2,937 |
| Pretax return on assets | 0.8723% | 3,455 |
| Return on Equity (ROE) | 7.5474% | 2,993 |
| Retained earnings to average equity (ytd only) | 2.7641% | 3,623 |
| Net charge-offs to loans | 0.2969% | 530 |
| Credit loss provision to net charge-offs | 97.7584% | 2,651 |
| Earnings coverage of net charge-offs (x) | 5.9340% | 2,693 |
| Efficiency ratio | 74.1972% | 1,390 |
| Assets per employee ($millions) | 4.5155% | 3,834 |
| Cash dividends to net income (ytd only)* | 63.3768% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,681 |
| Loan loss allowance to noncurrent loans | 238.8116% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 3,023 |
| Noncurrent loans to loans | 0.5013% | 2,552 |
| Net loans and leases to total assets | 56.2305% | 3,601 |
| Net loans and leases to deposits | 65.9410% | 3,626 |
| Net loans and leases to core deposits | 71.9858% | 3,475 |
| Total domestic deposits to total assets | 85.2740% | 2,327 |
| Equity capital to assets | 11.2299% | 2,207 |
| Core capital (leverage) ratio | 8.5305% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2691% | 1,737 |
| Memoranda: | ||
| Average total assets | $610,160,500 | 1,295 |
| Average earning assets | $527,951,750 | 1,380 |
| Average equity | $70,521,000 | 1,273 |
| Average total loans | $360,560,250 | 1,470 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 2,964 |
| Cost of funding earning assets | 0.3771% | 4,138 |
| Net interest margin | 3.7551% | 1,972 |
| Noninterest income to average assets | 0.8513% | 1,284 |
| Noninterest expense to average assets | 3.0778% | 1,411 |
| Loan and lease loss provision to assets | 0.2217% | 1,884 |
| Net operating income to assets | 0.8171% | 2,982 |
| Return on assets (ROA) | 0.8211% | 3,086 |
| Pretax return on assets | 0.8211% | 3,530 |
| Return on Equity (ROE) | 7.0312% | 3,120 |
| Retained earnings to average equity (ytd only) | 2.1289% | 3,701 |
| Net charge-offs to loans | 0.3007% | 529 |
| Credit loss provision to net charge-offs | 123.1343% | 2,263 |
| Earnings coverage of net charge-offs (x) | 5.7687% | 2,492 |
| Efficiency ratio | 74.7654% | 1,394 |
| Assets per employee ($millions) | 4.2152% | 4,088 |
| Cash dividends to net income (ytd only)* | 69.7218% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,413 |
| Loan loss allowance to noncurrent loans | 289.8615% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 3,287 |
| Noncurrent loans to loans | 0.4212% | 2,898 |
| Net loans and leases to total assets | 60.1085% | 3,313 |
| Net loans and leases to deposits | 72.2945% | 3,227 |
| Net loans and leases to core deposits | 78.6067% | 3,064 |
| Total domestic deposits to total assets | 83.1441% | 3,045 |
| Equity capital to assets | 11.6637% | 1,861 |
| Core capital (leverage) ratio | 8.5542% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9482% | 1,837 |
| Memoranda: | ||
| Average total assets | $595,300,000 | 1,303 |
| Average earning assets | $517,646,667 | 1,382 |
| Average equity | $69,519,000 | 1,278 |
| Average total loans | $356,538,333 | 1,469 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 3,066 |
| Cost of funding earning assets | 0.4214% | 4,272 |
| Net interest margin | 3.8295% | 1,875 |
| Noninterest income to average assets | 0.9610% | 932 |
| Noninterest expense to average assets | 3.2542% | 1,306 |
| Loan and lease loss provision to assets | 0.2024% | 1,506 |
| Net operating income to assets | 0.8211% | 2,830 |
| Return on assets (ROA) | 0.8293% | 2,886 |
| Pretax return on assets | 0.8293% | 3,335 |
| Return on Equity (ROE) | 7.0969% | 2,904 |
| Retained earnings to average equity (ytd only) | 3.4810% | 2,897 |
| Net charge-offs to loans | 0.2380% | 602 |
| Credit loss provision to net charge-offs | 143.2039% | 1,607 |
| Earnings coverage of net charge-offs (x) | 7.2427% | 1,937 |
| Efficiency ratio | 76.0744% | 1,557 |
| Assets per employee ($millions) | 3.9854% | 3,933 |
| Cash dividends to net income (ytd only)* | 50.9512% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 2,063 |
| Loan loss allowance to noncurrent loans | 184.9393% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 2,794 |
| Noncurrent loans to loans | 0.7128% | 2,216 |
| Net loans and leases to total assets | 57.5883% | 3,703 |
| Net loans and leases to deposits | 73.0618% | 3,348 |
| Net loans and leases to core deposits | 83.6957% | 2,875 |
| Total domestic deposits to total assets | 78.8214% | 4,083 |
| Equity capital to assets | 11.5308% | 2,414 |
| Core capital (leverage) ratio | 9.2400% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3477% | 2,131 |
| Memoranda: | ||
| Average total assets | $583,130,500 | 1,288 |
| Average earning assets | $505,021,000 | 1,367 |
| Average equity | $68,142,000 | 1,292 |
| Average total loans | $346,278,000 | 1,465 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 3,148 |
| Cost of funding earning assets | 0.4996% | 4,094 |
| Net interest margin | 3.9368% | 2,042 |
| Noninterest income to average assets | 1.1192% | 756 |
| Noninterest expense to average assets | 3.2958% | 1,304 |
| Loan and lease loss provision to assets | 0.1289% | 1,663 |
| Net operating income to assets | 1.0844% | 2,505 |
| Return on assets (ROA) | 1.0898% | 2,581 |
| Pretax return on assets | 1.0898% | 3,196 |
| Return on Equity (ROE) | 9.1635% | 2,682 |
| Retained earnings to average equity (ytd only) | 2.7777% | 3,650 |
| Net charge-offs to loans | 0.1615% | 1,245 |
| Credit loss provision to net charge-offs | 127.4686% | 1,999 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,445 |
| Efficiency ratio | 73.0929% | 1,717 |
| Assets per employee ($millions) | 3.9208% | 4,010 |
| Cash dividends to net income (ytd only)* | 69.6869% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 1,952 |
| Loan loss allowance to noncurrent loans | 194.9086% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 2,513 |
| Noncurrent loans to loans | 0.6641% | 2,226 |
| Net loans and leases to total assets | 59.6634% | 3,619 |
| Net loans and leases to deposits | 71.9977% | 3,522 |
| Net loans and leases to core deposits | 81.4660% | 3,184 |
| Total domestic deposits to total assets | 82.8685% | 3,242 |
| Equity capital to assets | 11.8460% | 2,242 |
| Core capital (leverage) ratio | 9.1613% | 4,391 |
| Tier 1 risk-based capital ratio | 13.1077% | 3,741 |
| Total risk-based capital ratio | 14.2910% | 3,649 |
| Memoranda: | ||
| Average total assets | $550,914,800 | 1,302 |
| Average earning assets | $474,371,400 | 1,405 |
| Average equity | $65,521,000 | 1,288 |
| Average total loans | $344,871,000 | 1,441 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 3,185 |
| Cost of funding earning assets | 0.5091% | 4,106 |
| Net interest margin | 3.9483% | 2,109 |
| Noninterest income to average assets | 1.1130% | 730 |
| Noninterest expense to average assets | 3.3136% | 1,238 |
| Loan and lease loss provision to assets | 0.1442% | 1,331 |
| Net operating income to assets | 1.0517% | 2,781 |
| Return on assets (ROA) | 1.0590% | 2,819 |
| Pretax return on assets | 1.0590% | 3,417 |
| Return on Equity (ROE) | 8.8950% | 2,928 |
| Retained earnings to average equity (ytd only) | 0.3059% | 4,705 |
| Net charge-offs to loans | 0.1590% | 1,045 |
| Credit loss provision to net charge-offs | 143.5523% | 1,693 |
| Earnings coverage of net charge-offs (x) | 11.9050% | 2,407 |
| Efficiency ratio | 73.4811% | 1,641 |
| Assets per employee ($millions) | 3.9408% | 3,973 |
| Cash dividends to net income (ytd only)* | 96.5613% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 1,985 |
| Loan loss allowance to noncurrent loans | 202.0628% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 2,652 |
| Noncurrent loans to loans | 0.6411% | 2,366 |
| Net loans and leases to total assets | 60.9276% | 3,604 |
| Net loans and leases to deposits | 78.0723% | 3,089 |
| Net loans and leases to core deposits | 88.2437% | 2,705 |
| Total domestic deposits to total assets | 78.0400% | 4,334 |
| Equity capital to assets | 11.7708% | 2,434 |
| Core capital (leverage) ratio | 9.1887% | 4,485 |
| Tier 1 risk-based capital ratio | 12.7305% | 4,009 |
| Total risk-based capital ratio | 13.9270% | 3,912 |
| Memoranda: | ||
| Average total assets | $545,534,500 | 1,321 |
| Average earning assets | $469,289,750 | 1,425 |
| Average equity | $64,948,500 | 1,297 |
| Average total loans | $344,585,250 | 1,452 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 3,142 |
| Cost of funding earning assets | 0.4777% | 4,216 |
| Net interest margin | 3.9830% | 1,972 |
| Noninterest income to average assets | 1.1165% | 682 |
| Noninterest expense to average assets | 3.3210% | 1,242 |
| Loan and lease loss provision to assets | 0.1520% | 1,202 |
| Net operating income to assets | 1.0709% | 2,645 |
| Return on assets (ROA) | 1.0765% | 2,686 |
| Pretax return on assets | 1.0765% | 3,301 |
| Return on Equity (ROE) | 9.0064% | 2,850 |
| Retained earnings to average equity (ytd only) | 0.5179% | 4,564 |
| Net charge-offs to loans | 0.1805% | 910 |
| Credit loss provision to net charge-offs | 132.2581% | 1,645 |
| Earnings coverage of net charge-offs (x) | 10.6419% | 2,249 |
| Efficiency ratio | 73.0870% | 1,761 |
| Assets per employee ($millions) | 3.8079% | 4,113 |
| Cash dividends to net income (ytd only)* | 94.2493% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,059 |
| Loan loss allowance to noncurrent loans | 314.5700% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 3,559 |
| Noncurrent loans to loans | 0.4102% | 3,062 |
| Net loans and leases to total assets | 60.9023% | 3,666 |
| Net loans and leases to deposits | 79.2323% | 3,034 |
| Net loans and leases to core deposits | 89.5470% | 2,632 |
| Total domestic deposits to total assets | 76.8655% | 4,580 |
| Equity capital to assets | 11.8621% | 2,295 |
| Core capital (leverage) ratio | 9.3232% | 4,341 |
| Tier 1 risk-based capital ratio | 12.8658% | 3,907 |
| Total risk-based capital ratio | 14.0531% | 3,847 |
| Memoranda: | ||
| Average total assets | $539,536,670 | 1,341 |
| Average earning assets | $464,276,330 | 1,437 |
| Average equity | $64,487,330 | 1,299 |
| Average total loans | $343,497,000 | 1,460 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 2,791 |
| Cost of funding earning assets | 0.4860% | 4,125 |
| Net interest margin | 4.0365% | 1,725 |
| Noninterest income to average assets | 1.1149% | 653 |
| Noninterest expense to average assets | 3.2891% | 1,309 |
| Loan and lease loss provision to assets | 0.1581% | 1,070 |
| Net operating income to assets | 1.1443% | 2,293 |
| Return on assets (ROA) | 1.1443% | 2,339 |
| Pretax return on assets | 1.1443% | 2,994 |
| Return on Equity (ROE) | 9.5362% | 2,574 |
| Retained earnings to average equity (ytd only) | 6.1358% | 2,397 |
| Net charge-offs to loans | 0.1641% | 828 |
| Credit loss provision to net charge-offs | 148.9362% | 1,250 |
| Earnings coverage of net charge-offs (x) | 12.2695% | 1,877 |
| Efficiency ratio | 71.6347% | 2,091 |
| Assets per employee ($millions) | 3.6847% | 4,359 |
| Cash dividends to net income (ytd only)* | 35.6579% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,205 |
| Loan loss allowance to noncurrent loans | 359.3622% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 3,705 |
| Noncurrent loans to loans | 0.3553% | 3,305 |
| Net loans and leases to total assets | 63.6020% | 3,333 |
| Net loans and leases to deposits | 77.0099% | 3,161 |
| Net loans and leases to core deposits | 87.5130% | 2,741 |
| Total domestic deposits to total assets | 82.5893% | 3,545 |
| Equity capital to assets | 12.1185% | 1,951 |
| Core capital (leverage) ratio | 9.4324% | 4,225 |
| Tier 1 risk-based capital ratio | 13.0290% | 3,868 |
| Total risk-based capital ratio | 14.2031% | 3,798 |
| Memoranda: | ||
| Average total assets | $531,328,000 | 1,362 |
| Average earning assets | $457,622,000 | 1,459 |
| Average equity | $63,757,000 | 1,300 |
| Average total loans | $343,738,000 | 1,470 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4222% | 2,691 |
| Cost of funding earning assets | 0.3345% | 4,380 |
| Net interest margin | 4.0878% | 1,720 |
| Noninterest income to average assets | 1.2278% | 617 |
| Noninterest expense to average assets | 3.4743% | 1,028 |
| Loan and lease loss provision to assets | 0.2166% | 834 |
| Net operating income to assets | 1.0626% | 2,752 |
| Return on assets (ROA) | 1.0626% | 2,733 |
| Pretax return on assets | 1.0626% | 3,401 |
| Return on Equity (ROE) | 9.1308% | 2,931 |
| Retained earnings to average equity (ytd only) | 4.4614% | 3,070 |
| Net charge-offs to loans | 0.1302% | 1,452 |
| Credit loss provision to net charge-offs | 269.8337% | 1,112 |
| Earnings coverage of net charge-offs (x) | 15.9359% | 2,289 |
| Efficiency ratio | 73.0886% | 1,750 |
| Assets per employee ($millions) | 3.5944% | 4,455 |
| Cash dividends to net income (ytd only)* | 51.1394% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,247 |
| Loan loss allowance to noncurrent loans | 201.0223% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 2,929 |
| Noncurrent loans to loans | 0.6269% | 2,411 |
| Net loans and leases to total assets | 64.1479% | 3,343 |
| Net loans and leases to deposits | 77.2000% | 3,257 |
| Net loans and leases to core deposits | 86.7878% | 2,857 |
| Total domestic deposits to total assets | 83.0932% | 3,296 |
| Equity capital to assets | 11.8793% | 1,981 |
| Core capital (leverage) ratio | 9.1997% | 4,459 |
| Tier 1 risk-based capital ratio | 12.7465% | 3,991 |
| Total risk-based capital ratio | 13.9002% | 3,932 |
| Memoranda: | ||
| Average total assets | $524,446,800 | 1,340 |
| Average earning assets | $452,349,000 | 1,443 |
| Average equity | $61,035,200 | 1,299 |
| Average total loans | $323,424,200 | 1,503 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 2,725 |
| Cost of funding earning assets | 0.2918% | 4,578 |
| Net interest margin | 4.0798% | 1,694 |
| Noninterest income to average assets | 1.2537% | 611 |
| Noninterest expense to average assets | 3.5022% | 979 |
| Loan and lease loss provision to assets | 0.2323% | 698 |
| Net operating income to assets | 1.0407% | 2,916 |
| Return on assets (ROA) | 1.0407% | 2,924 |
| Pretax return on assets | 1.0407% | 3,604 |
| Return on Equity (ROE) | 8.9895% | 3,095 |
| Retained earnings to average equity (ytd only) | 3.3331% | 4,086 |
| Net charge-offs to loans | 0.1214% | 1,297 |
| Credit loss provision to net charge-offs | 314.4828% | 983 |
| Earnings coverage of net charge-offs (x) | 17.2343% | 2,121 |
| Efficiency ratio | 73.3412% | 1,678 |
| Assets per employee ($millions) | 3.5605% | 4,481 |
| Cash dividends to net income (ytd only)* | 62.9221% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,325 |
| Loan loss allowance to noncurrent loans | 350.9950% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 3,831 |
| Noncurrent loans to loans | 0.3581% | 3,365 |
| Net loans and leases to total assets | 61.4398% | 3,704 |
| Net loans and leases to deposits | 77.9464% | 3,245 |
| Net loans and leases to core deposits | 87.1122% | 2,908 |
| Total domestic deposits to total assets | 78.8232% | 4,354 |
| Equity capital to assets | 11.1139% | 2,554 |
| Core capital (leverage) ratio | 8.9661% | 4,736 |
| Tier 1 risk-based capital ratio | 12.5913% | 4,161 |
| Total risk-based capital ratio | 13.7354% | 4,093 |
| Memoranda: | ||
| Average total assets | $523,465,000 | 1,346 |
| Average earning assets | $451,835,750 | 1,448 |
| Average equity | $60,602,250 | 1,309 |
| Average total loans | $318,463,500 | 1,527 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 2,851 |
| Cost of funding earning assets | 0.2437% | 4,780 |
| Net interest margin | 4.0318% | 1,755 |
| Noninterest income to average assets | 1.2265% | 640 |
| Noninterest expense to average assets | 3.5119% | 986 |
| Loan and lease loss provision to assets | 0.1924% | 898 |
| Net operating income to assets | 1.0001% | 3,023 |
| Return on assets (ROA) | 1.0001% | 3,021 |
| Pretax return on assets | 1.0001% | 3,660 |
| Return on Equity (ROE) | 8.5196% | 3,253 |
| Retained earnings to average equity (ytd only) | 1.7974% | 4,522 |
| Net charge-offs to loans | 0.1140% | 1,242 |
| Credit loss provision to net charge-offs | 279.7753% | 1,062 |
| Earnings coverage of net charge-offs (x) | 17.3371% | 1,956 |
| Efficiency ratio | 74.6509% | 1,620 |
| Assets per employee ($millions) | 3.3528% | 4,766 |
| Cash dividends to net income (ytd only)* | 78.9026% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,659 |
| Loan loss allowance to noncurrent loans | 151.9521% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 2,768 |
| Noncurrent loans to loans | 0.7959% | 2,143 |
| Net loans and leases to total assets | 61.7888% | 3,631 |
| Net loans and leases to deposits | 79.9703% | 2,958 |
| Net loans and leases to core deposits | 88.4428% | 2,683 |
| Total domestic deposits to total assets | 77.2648% | 4,699 |
| Equity capital to assets | 11.5347% | 2,175 |
| Core capital (leverage) ratio | 8.9976% | 4,694 |
| Tier 1 risk-based capital ratio | 12.7781% | 4,019 |
| Total risk-based capital ratio | 13.8793% | 4,007 |
| Memoranda: | ||
| Average total assets | $517,555,000 | 1,364 |
| Average earning assets | $446,453,000 | 1,465 |
| Average equity | $60,753,670 | 1,304 |
| Average total loans | $312,370,670 | 1,549 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 3,230 |
| Cost of funding earning assets | 0.1849% | 5,098 |
| Net interest margin | 3.9171% | 1,974 |
| Noninterest income to average assets | 1.2012% | 638 |
| Noninterest expense to average assets | 3.5199% | 969 |
| Loan and lease loss provision to assets | 0.1502% | 1,208 |
| Net operating income to assets | 0.9115% | 3,243 |
| Return on assets (ROA) | 0.9115% | 3,253 |
| Pretax return on assets | 0.9115% | 3,812 |
| Return on Equity (ROE) | 7.6981% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.0564% | 2,689 |
| Net charge-offs to loans | 0.1085% | 1,124 |
| Credit loss provision to net charge-offs | 233.7349% | 949 |
| Earnings coverage of net charge-offs (x) | 16.5181% | 1,617 |
| Efficiency ratio | 76.8256% | 1,481 |
| Assets per employee ($millions) | 3.3387% | 4,854 |
| Cash dividends to net income (ytd only)* | 21.3254% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,822 |
| Loan loss allowance to noncurrent loans | 154.8253% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 2,988 |
| Noncurrent loans to loans | 0.7729% | 2,276 |
| Net loans and leases to total assets | 59.3866% | 3,807 |
| Net loans and leases to deposits | 74.3383% | 3,383 |
| Net loans and leases to core deposits | 82.0379% | 3,139 |
| Total domestic deposits to total assets | 79.8870% | 4,437 |
| Equity capital to assets | 11.7042% | 1,987 |
| Core capital (leverage) ratio | 9.3438% | 4,264 |
| Tier 1 risk-based capital ratio | 13.3228% | 3,761 |
| Total risk-based capital ratio | 14.4009% | 3,780 |
| Memoranda: | ||
| Average total assets | $516,487,000 | 1,379 |
| Average earning assets | $445,737,500 | 1,474 |
| Average equity | $61,158,000 | 1,304 |
| Average total loans | $306,035,000 | 1,574 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 2,824 |
| Cost of funding earning assets | 0.1901% | 5,019 |
| Net interest margin | 3.9733% | 1,832 |
| Noninterest income to average assets | 1.4035% | 537 |
| Noninterest expense to average assets | 3.6676% | 830 |
| Loan and lease loss provision to assets | 0.2417% | 786 |
| Net operating income to assets | 0.9261% | 2,569 |
| Return on assets (ROA) | 0.9483% | 2,487 |
| Pretax return on assets | 0.9483% | 3,746 |
| Return on Equity (ROE) | 7.7605% | 2,912 |
| Retained earnings to average equity (ytd only) | 1.8487% | 4,209 |
| Net charge-offs to loans | 0.2597% | 1,004 |
| Credit loss provision to net charge-offs | 159.1029% | 1,681 |
| Earnings coverage of net charge-offs (x) | 7.6860% | 3,012 |
| Efficiency ratio | 75.8488% | 1,639 |
| Assets per employee ($millions) | 3.3473% | 4,883 |
| Cash dividends to net income (ytd only)* | 76.1784% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,781 |
| Loan loss allowance to noncurrent loans | 141.3861% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 2,901 |
| Noncurrent loans to loans | 0.8484% | 2,098 |
| Net loans and leases to total assets | 57.6967% | 4,032 |
| Net loans and leases to deposits | 70.7203% | 3,813 |
| Net loans and leases to core deposits | 77.7900% | 3,601 |
| Total domestic deposits to total assets | 81.5842% | 3,975 |
| Equity capital to assets | 11.9786% | 1,848 |
| Core capital (leverage) ratio | 9.1542% | 4,453 |
| Tier 1 risk-based capital ratio | 13.4670% | 3,646 |
| Total risk-based capital ratio | 14.5459% | 3,662 |
| Memoranda: | ||
| Average total assets | $498,885,600 | 1,405 |
| Average earning assets | $430,901,600 | 1,500 |
| Average equity | $60,962,400 | 1,295 |
| Average total loans | $291,878,200 | 1,603 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1671% | 2,727 |
| Cost of funding earning assets | 0.1852% | 5,097 |
| Net interest margin | 3.9819% | 1,775 |
| Noninterest income to average assets | 1.2410% | 682 |
| Noninterest expense to average assets | 3.6932% | 770 |
| Loan and lease loss provision to assets | 0.2668% | 624 |
| Net operating income to assets | 0.7233% | 3,861 |
| Return on assets (ROA) | 0.7532% | 3,779 |
| Pretax return on assets | 0.7532% | 4,471 |
| Return on Equity (ROE) | 6.1326% | 4,063 |
| Retained earnings to average equity (ytd only) | -1.7773% | 5,413 |
| Net charge-offs to loans | 0.2808% | 774 |
| Credit loss provision to net charge-offs | 162.2951% | 1,583 |
| Earnings coverage of net charge-offs (x) | 6.0230% | 3,031 |
| Efficiency ratio | 78.8583% | 1,233 |
| Assets per employee ($millions) | 3.1485% | 5,123 |
| Cash dividends to net income (ytd only)* | 128.9805% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 3,015 |
| Loan loss allowance to noncurrent loans | 126.0854% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 2,836 |
| Noncurrent loans to loans | 0.9401% | 2,044 |
| Net loans and leases to total assets | 59.3751% | 3,935 |
| Net loans and leases to deposits | 74.4161% | 3,528 |
| Net loans and leases to core deposits | 81.9212% | 3,293 |
| Total domestic deposits to total assets | 79.7880% | 4,364 |
| Equity capital to assets | 12.2354% | 1,817 |
| Core capital (leverage) ratio | 9.0925% | 4,641 |
| Tier 1 risk-based capital ratio | 13.0165% | 3,997 |
| Total risk-based capital ratio | 14.0856% | 4,025 |
| Memoranda: | ||
| Average total assets | $494,737,750 | 1,425 |
| Average earning assets | $427,693,500 | 1,525 |
| Average equity | $60,766,250 | 1,309 |
| Average total loans | $289,591,750 | 1,619 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 2,724 |
| Cost of funding earning assets | 0.1810% | 5,133 |
| Net interest margin | 3.9519% | 1,768 |
| Noninterest income to average assets | 1.2802% | 633 |
| Noninterest expense to average assets | 3.7507% | 716 |
| Loan and lease loss provision to assets | 0.2778% | 573 |
| Net operating income to assets | 0.6739% | 3,961 |
| Return on assets (ROA) | 0.6832% | 3,984 |
| Pretax return on assets | 0.6832% | 4,599 |
| Return on Equity (ROE) | 5.5555% | 4,241 |
| Retained earnings to average equity (ytd only) | -1.5576% | 5,301 |
| Net charge-offs to loans | 0.2995% | 676 |
| Credit loss provision to net charge-offs | 159.9068% | 1,465 |
| Earnings coverage of net charge-offs (x) | 5.4779% | 2,819 |
| Efficiency ratio | 79.7606% | 1,234 |
| Assets per employee ($millions) | 3.1211% | 5,170 |
| Cash dividends to net income (ytd only)* | 128.0379% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 3,132 |
| Loan loss allowance to noncurrent loans | 105.9808% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 2,589 |
| Noncurrent loans to loans | 1.1145% | 1,761 |
| Net loans and leases to total assets | 58.0217% | 4,031 |
| Net loans and leases to deposits | 72.9364% | 3,653 |
| Net loans and leases to core deposits | 80.3383% | 3,399 |
| Total domestic deposits to total assets | 79.5510% | 4,503 |
| Equity capital to assets | 12.5137% | 1,611 |
| Core capital (leverage) ratio | 9.0442% | 4,679 |
| Tier 1 risk-based capital ratio | 13.5558% | 3,669 |
| Total risk-based capital ratio | 14.6222% | 3,682 |
| Memoranda: | ||
| Average total assets | $493,828,330 | 1,433 |
| Average earning assets | $427,640,670 | 1,527 |
| Average equity | $60,732,670 | 1,309 |
| Average total loans | $286,484,330 | 1,629 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 2,704 |
| Cost of funding earning assets | 0.1511% | 5,367 |
| Net interest margin | 3.9337% | 1,658 |
| Noninterest income to average assets | 1.3097% | 595 |
| Noninterest expense to average assets | 3.7655% | 707 |
| Loan and lease loss provision to assets | 0.3440% | 352 |
| Net operating income to assets | 0.6144% | 4,091 |
| Return on assets (ROA) | 0.6330% | 4,051 |
| Pretax return on assets | 0.6330% | 4,651 |
| Return on Equity (ROE) | 5.1922% | 4,305 |
| Retained earnings to average equity (ytd only) | 0.7038% | 4,748 |
| Net charge-offs to loans | 0.4043% | 453 |
| Credit loss provision to net charge-offs | 147.5694% | 1,226 |
| Earnings coverage of net charge-offs (x) | 4.1111% | 2,417 |
| Efficiency ratio | 79.7121% | 1,415 |
| Assets per employee ($millions) | 3.1669% | 5,201 |
| Cash dividends to net income (ytd only)* | 86.4450% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,427 |
| Loan loss allowance to noncurrent loans | 117.8571% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 2,977 |
| Noncurrent loans to loans | 0.9737% | 2,098 |
| Net loans and leases to total assets | 57.1722% | 4,048 |
| Net loans and leases to deposits | 73.1095% | 3,494 |
| Net loans and leases to core deposits | 80.3042% | 3,262 |
| Total domestic deposits to total assets | 78.2007% | 4,946 |
| Equity capital to assets | 12.1726% | 1,725 |
| Core capital (leverage) ratio | 9.2609% | 4,398 |
| Tier 1 risk-based capital ratio | 13.9233% | 3,529 |
| Total risk-based capital ratio | 14.9664% | 3,555 |
| Memoranda: | ||
| Average total assets | $494,172,500 | 1,436 |
| Average earning assets | $428,904,500 | 1,529 |
| Average equity | $60,244,000 | 1,316 |
| Average total loans | $284,952,500 | 1,646 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 3,083 |
| Cost of funding earning assets | 0.1411% | 5,475 |
| Net interest margin | 3.8921% | 1,992 |
| Noninterest income to average assets | 1.4276% | 569 |
| Noninterest expense to average assets | 3.8153% | 767 |
| Loan and lease loss provision to assets | 0.1774% | 1,360 |
| Net operating income to assets | 0.8400% | 3,113 |
| Return on assets (ROA) | 1.0340% | 2,311 |
| Pretax return on assets | 1.0340% | 3,348 |
| Return on Equity (ROE) | 8.1765% | 2,847 |
| Retained earnings to average equity (ytd only) | 3.2636% | 3,586 |
| Net charge-offs to loans | 0.2512% | 1,102 |
| Credit loss provision to net charge-offs | 130.5060% | 2,060 |
| Earnings coverage of net charge-offs (x) | 7.4836% | 3,013 |
| Efficiency ratio | 76.7824% | 1,883 |
| Assets per employee ($millions) | 3.1893% | 5,159 |
| Cash dividends to net income (ytd only)* | 60.0861% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,606 |
| Loan loss allowance to noncurrent loans | 203.2776% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 4,009 |
| Noncurrent loans to loans | 0.5511% | 3,199 |
| Net loans and leases to total assets | 56.8431% | 4,186 |
| Net loans and leases to deposits | 72.2141% | 3,692 |
| Net loans and leases to core deposits | 78.8552% | 3,493 |
| Total domestic deposits to total assets | 78.7146% | 4,862 |
| Equity capital to assets | 12.2094% | 1,677 |
| Core capital (leverage) ratio | 9.0039% | 4,741 |
| Tier 1 risk-based capital ratio | 14.1526% | 3,380 |
| Total risk-based capital ratio | 15.1713% | 3,420 |
| Memoranda: | ||
| Average total assets | $494,270,800 | 1,393 |
| Average earning assets | $432,442,600 | 1,463 |
| Average equity | $62,508,200 | 1,250 |
| Average total loans | $267,488,800 | 1,689 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 3,037 |
| Cost of funding earning assets | 0.1358% | 5,581 |
| Net interest margin | 3.9138% | 1,927 |
| Noninterest income to average assets | 1.4153% | 593 |
| Noninterest expense to average assets | 3.8037% | 743 |
| Loan and lease loss provision to assets | 0.1602% | 1,445 |
| Net operating income to assets | 0.8828% | 2,992 |
| Return on assets (ROA) | 1.1492% | 1,912 |
| Pretax return on assets | 1.1492% | 3,057 |
| Return on Equity (ROE) | 9.0099% | 2,482 |
| Retained earnings to average equity (ytd only) | 3.4524% | 3,828 |
| Net charge-offs to loans | 0.2664% | 872 |
| Credit loss provision to net charge-offs | 112.9032% | 2,189 |
| Earnings coverage of net charge-offs (x) | 7.3491% | 2,883 |
| Efficiency ratio | 76.3170% | 1,932 |
| Assets per employee ($millions) | 3.2492% | 5,112 |
| Cash dividends to net income (ytd only)* | 61.6828% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,932 |
| Loan loss allowance to noncurrent loans | 206.1308% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 4,285 |
| Noncurrent loans to loans | 0.5249% | 3,419 |
| Net loans and leases to total assets | 53.8838% | 4,498 |
| Net loans and leases to deposits | 71.2609% | 3,860 |
| Net loans and leases to core deposits | 77.1833% | 3,733 |
| Total domestic deposits to total assets | 75.6149% | 5,274 |
| Equity capital to assets | 12.5701% | 1,733 |
| Core capital (leverage) ratio | 9.1215% | 4,692 |
| Tier 1 risk-based capital ratio | 14.2785% | 3,414 |
| Total risk-based capital ratio | 15.2721% | 3,469 |
| Memoranda: | ||
| Average total assets | $495,052,250 | 1,398 |
| Average earning assets | $434,039,000 | 1,462 |
| Average equity | $63,143,750 | 1,250 |
| Average total loans | $263,774,750 | 1,716 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 2,962 |
| Cost of funding earning assets | 0.1397% | 5,614 |
| Net interest margin | 3.9376% | 1,850 |
| Noninterest income to average assets | 1.4124% | 579 |
| Noninterest expense to average assets | 3.8385% | 729 |
| Loan and lease loss provision to assets | 0.1563% | 1,458 |
| Net operating income to assets | 0.8758% | 2,984 |
| Return on assets (ROA) | 1.2770% | 1,457 |
| Pretax return on assets | 1.2770% | 2,496 |
| Return on Equity (ROE) | 9.9615% | 2,070 |
| Retained earnings to average equity (ytd only) | 4.0140% | 3,350 |
| Net charge-offs to loans | 0.2693% | 888 |
| Credit loss provision to net charge-offs | 109.7701% | 1,963 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,648 |
| Efficiency ratio | 76.6356% | 1,989 |
| Assets per employee ($millions) | 3.1511% | 5,267 |
| Cash dividends to net income (ytd only)* | 59.7053% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,776 |
| Loan loss allowance to noncurrent loans | 389.5833% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,866 |
| Noncurrent loans to loans | 0.2904% | 4,331 |
| Net loans and leases to total assets | 54.2256% | 4,489 |
| Net loans and leases to deposits | 68.5556% | 4,130 |
| Net loans and leases to core deposits | 72.2235% | 4,152 |
| Total domestic deposits to total assets | 79.0972% | 4,760 |
| Equity capital to assets | 13.3421% | 1,310 |
| Core capital (leverage) ratio | 9.1941% | 4,606 |
| Tier 1 risk-based capital ratio | 14.9887% | 3,084 |
| Total risk-based capital ratio | 16.0303% | 3,112 |
| Memoranda: | ||
| Average total assets | $488,946,000 | 1,417 |
| Average earning assets | $429,400,670 | 1,480 |
| Average equity | $62,681,330 | 1,261 |
| Average total loans | $258,483,000 | 1,749 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 2,919 |
| Cost of funding earning assets | 0.1394% | 5,682 |
| Net interest margin | 3.9426% | 1,804 |
| Noninterest income to average assets | 1.2714% | 674 |
| Noninterest expense to average assets | 3.7907% | 785 |
| Loan and lease loss provision to assets | 0.1527% | 1,383 |
| Net operating income to assets | 0.7978% | 3,263 |
| Return on assets (ROA) | 0.7978% | 3,374 |
| Pretax return on assets | 0.7978% | 4,202 |
| Return on Equity (ROE) | 6.3498% | 3,800 |
| Retained earnings to average equity (ytd only) | 1.3838% | 4,705 |
| Net charge-offs to loans | 0.3554% | 629 |
| Credit loss provision to net charge-offs | 82.8194% | 1,818 |
| Earnings coverage of net charge-offs (x) | 5.1542% | 2,357 |
| Efficiency ratio | 77.7245% | 1,933 |
| Assets per employee ($millions) | 3.2198% | 5,245 |
| Cash dividends to net income (ytd only)* | 78.2077% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 3,779 |
| Loan loss allowance to noncurrent loans | 441.6036% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 5,052 |
| Noncurrent loans to loans | 0.2600% | 4,504 |
| Net loans and leases to total assets | 50.0342% | 4,803 |
| Net loans and leases to deposits | 64.0503% | 4,439 |
| Net loans and leases to core deposits | 69.0713% | 4,314 |
| Total domestic deposits to total assets | 78.1171% | 5,125 |
| Equity capital to assets | 12.5357% | 1,659 |
| Core capital (leverage) ratio | 8.7989% | 5,076 |
| Tier 1 risk-based capital ratio | 14.8320% | 3,229 |
| Total risk-based capital ratio | 15.8638% | 3,273 |
| Memoranda: | ||
| Average total assets | $492,363,000 | 1,404 |
| Average earning assets | $433,313,500 | 1,470 |
| Average equity | $61,860,000 | 1,268 |
| Average total loans | $255,514,500 | 1,762 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9828% | 3,371 |
| Cost of funding earning assets | 0.1726% | 5,517 |
| Net interest margin | 3.8102% | 2,337 |
| Noninterest income to average assets | 1.4804% | 565 |
| Noninterest expense to average assets | 3.8766% | 781 |
| Loan and lease loss provision to assets | 0.1469% | 1,605 |
| Net operating income to assets | 0.8254% | 3,221 |
| Return on assets (ROA) | 0.9346% | 2,769 |
| Pretax return on assets | 0.9346% | 3,709 |
| Return on Equity (ROE) | 7.5727% | 3,204 |
| Retained earnings to average equity (ytd only) | 2.7034% | 4,146 |
| Net charge-offs to loans | 0.2635% | 1,142 |
| Credit loss provision to net charge-offs | 108.7613% | 2,319 |
| Earnings coverage of net charge-offs (x) | 7.1979% | 3,107 |
| Efficiency ratio | 77.8690% | 1,987 |
| Assets per employee ($millions) | 2.9062% | 5,605 |
| Cash dividends to net income (ytd only)* | 64.3013% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 3,743 |
| Loan loss allowance to noncurrent loans | 438.2222% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 5,030 |
| Noncurrent loans to loans | 0.2629% | 4,507 |
| Net loans and leases to total assets | 52.6153% | 4,645 |
| Net loans and leases to deposits | 64.3762% | 4,443 |
| Net loans and leases to core deposits | 69.4197% | 4,342 |
| Total domestic deposits to total assets | 81.7310% | 4,249 |
| Equity capital to assets | 12.5932% | 1,572 |
| Core capital (leverage) ratio | 8.6749% | 5,244 |
| Tier 1 risk-based capital ratio | 14.8182% | 3,263 |
| Total risk-based capital ratio | 15.8685% | 3,297 |
| Memoranda: | ||
| Average total assets | $490,066,600 | 1,375 |
| Average earning assets | $433,259,200 | 1,442 |
| Average equity | $60,480,200 | 1,253 |
| Average total loans | $251,255,400 | 1,719 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,544 |
| Cost of funding earning assets | 0.1748% | 5,593 |
| Net interest margin | 3.7751% | 2,476 |
| Noninterest income to average assets | 1.4838% | 561 |
| Noninterest expense to average assets | 3.8462% | 792 |
| Loan and lease loss provision to assets | 0.1463% | 1,492 |
| Net operating income to assets | 0.8331% | 3,265 |
| Return on assets (ROA) | 0.9550% | 2,780 |
| Pretax return on assets | 0.9550% | 3,801 |
| Return on Equity (ROE) | 7.7775% | 3,200 |
| Retained earnings to average equity (ytd only) | 2.2467% | 4,758 |
| Net charge-offs to loans | 0.2188% | 1,194 |
| Credit loss provision to net charge-offs | 131.7073% | 1,860 |
| Earnings coverage of net charge-offs (x) | 8.8147% | 2,764 |
| Efficiency ratio | 77.6255% | 2,004 |
| Assets per employee ($millions) | 2.8972% | 5,654 |
| Cash dividends to net income (ytd only)* | 71.1124% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 3,781 |
| Loan loss allowance to noncurrent loans | 415.0685% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 5,157 |
| Noncurrent loans to loans | 0.2834% | 4,564 |
| Net loans and leases to total assets | 52.9225% | 4,670 |
| Net loans and leases to deposits | 63.9450% | 4,565 |
| Net loans and leases to core deposits | 68.4672% | 4,502 |
| Total domestic deposits to total assets | 82.7626% | 3,896 |
| Equity capital to assets | 12.6721% | 1,635 |
| Core capital (leverage) ratio | 8.5832% | 5,478 |
| Tier 1 risk-based capital ratio | 14.5656% | 3,519 |
| Total risk-based capital ratio | 15.6401% | 3,551 |
| Memoranda: | ||
| Average total assets | $491,974,750 | 1,373 |
| Average earning assets | $435,508,250 | 1,431 |
| Average equity | $60,411,750 | 1,265 |
| Average total loans | $249,871,250 | 1,737 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 3,488 |
| Cost of funding earning assets | 0.1768% | 5,638 |
| Net interest margin | 3.7733% | 2,429 |
| Noninterest income to average assets | 1.4228% | 625 |
| Noninterest expense to average assets | 3.8511% | 812 |
| Loan and lease loss provision to assets | 0.1453% | 1,481 |
| Net operating income to assets | 0.7763% | 3,507 |
| Return on assets (ROA) | 0.7763% | 3,611 |
| Pretax return on assets | 0.7763% | 4,400 |
| Return on Equity (ROE) | 6.3884% | 3,938 |
| Retained earnings to average equity (ytd only) | 0.6209% | 5,313 |
| Net charge-offs to loans | 0.2240% | 1,146 |
| Credit loss provision to net charge-offs | 129.9639% | 1,698 |
| Earnings coverage of net charge-offs (x) | 8.2455% | 2,583 |
| Efficiency ratio | 78.6016% | 1,973 |
| Assets per employee ($millions) | 2.9519% | 5,651 |
| Cash dividends to net income (ytd only)* | 90.2807% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 3,738 |
| Loan loss allowance to noncurrent loans | 396.6755% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 5,264 |
| Noncurrent loans to loans | 0.3047% | 4,594 |
| Net loans and leases to total assets | 49.1708% | 5,000 |
| Net loans and leases to deposits | 61.1799% | 4,759 |
| Net loans and leases to core deposits | 66.7227% | 4,596 |
| Total domestic deposits to total assets | 80.3709% | 4,782 |
| Equity capital to assets | 12.1032% | 1,947 |
| Core capital (leverage) ratio | 8.4536% | 5,576 |
| Tier 1 risk-based capital ratio | 14.9228% | 3,403 |
| Total risk-based capital ratio | 16.0302% | 3,415 |
| Memoranda: | ||
| Average total assets | $495,654,000 | 1,368 |
| Average earning assets | $440,035,000 | 1,425 |
| Average equity | $60,234,000 | 1,274 |
| Average total loans | $247,310,330 | 1,759 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9558% | 3,394 |
| Cost of funding earning assets | 0.1800% | 5,680 |
| Net interest margin | 3.7758% | 2,321 |
| Noninterest income to average assets | 1.3594% | 626 |
| Noninterest expense to average assets | 3.9013% | 768 |
| Loan and lease loss provision to assets | 0.1453% | 1,400 |
| Net operating income to assets | 0.6490% | 4,051 |
| Return on assets (ROA) | 0.6490% | 4,173 |
| Pretax return on assets | 0.6490% | 4,769 |
| Return on Equity (ROE) | 5.3298% | 4,361 |
| Retained earnings to average equity (ytd only) | 0.2188% | 5,296 |
| Net charge-offs to loans | 0.1050% | 1,685 |
| Credit loss provision to net charge-offs | 276.9231% | 865 |
| Earnings coverage of net charge-offs (x) | 15.1385% | 1,637 |
| Efficiency ratio | 80.9696% | 1,762 |
| Assets per employee ($millions) | 2.7122% | 5,956 |
| Cash dividends to net income (ytd only)* | 95.8955% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 3,755 |
| Loan loss allowance to noncurrent loans | 314.0625% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 5,180 |
| Noncurrent loans to loans | 0.3938% | 4,413 |
| Net loans and leases to total assets | 48.5100% | 4,981 |
| Net loans and leases to deposits | 58.0258% | 4,912 |
| Net loans and leases to core deposits | 64.1924% | 4,681 |
| Total domestic deposits to total assets | 83.6008% | 3,974 |
| Equity capital to assets | 12.2231% | 1,875 |
| Core capital (leverage) ratio | 8.5070% | 5,510 |
| Tier 1 risk-based capital ratio | 15.1452% | 3,357 |
| Total risk-based capital ratio | 16.2885% | 3,340 |
| Memoranda: | ||
| Average total assets | $495,525,000 | 1,373 |
| Average earning assets | $437,840,000 | 1,437 |
| Average equity | $60,340,500 | 1,270 |
| Average total loans | $247,552,000 | 1,758 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 3,511 |
| Cost of funding earning assets | 0.2019% | 5,724 |
| Net interest margin | 3.8518% | 2,423 |
| Noninterest income to average assets | 1.5027% | 542 |
| Noninterest expense to average assets | 3.8585% | 904 |
| Loan and lease loss provision to assets | 0.1460% | 1,806 |
| Net operating income to assets | 0.9139% | 2,813 |
| Return on assets (ROA) | 0.9147% | 2,898 |
| Pretax return on assets | 0.9147% | 3,850 |
| Return on Equity (ROE) | 8.0089% | 3,132 |
| Retained earnings to average equity (ytd only) | 3.3758% | 3,808 |
| Net charge-offs to loans | 0.2435% | 1,750 |
| Credit loss provision to net charge-offs | 121.9064% | 1,969 |
| Earnings coverage of net charge-offs (x) | 8.8495% | 2,818 |
| Efficiency ratio | 76.4842% | 2,443 |
| Assets per employee ($millions) | 2.7485% | 5,984 |
| Cash dividends to net income (ytd only)* | 57.8498% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 4,260 |
| Loan loss allowance to noncurrent loans | 342.7896% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 5,340 |
| Noncurrent loans to loans | 0.3366% | 4,642 |
| Net loans and leases to total assets | 50.2141% | 4,950 |
| Net loans and leases to deposits | 63.0383% | 4,632 |
| Net loans and leases to core deposits | 67.9720% | 4,507 |
| Total domestic deposits to total assets | 79.6564% | 5,107 |
| Equity capital to assets | 12.1310% | 1,925 |
| Core capital (leverage) ratio | 8.1921% | 5,858 |
| Tier 1 risk-based capital ratio | 14.2050% | 3,963 |
| Total risk-based capital ratio | 15.2550% | 4,017 |
| Memoranda: | ||
| Average total assets | $499,307,800 | 1,334 |
| Average earning assets | $442,780,800 | 1,379 |
| Average equity | $57,023,800 | 1,284 |
| Average total loans | $245,582,200 | 1,716 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 3,581 |
| Cost of funding earning assets | 0.2065% | 5,768 |
| Net interest margin | 3.8375% | 2,485 |
| Noninterest income to average assets | 1.5098% | 548 |
| Noninterest expense to average assets | 3.7786% | 1,001 |
| Loan and lease loss provision to assets | 0.1702% | 1,448 |
| Net operating income to assets | 0.9719% | 2,587 |
| Return on assets (ROA) | 0.9730% | 2,649 |
| Pretax return on assets | 0.9730% | 3,706 |
| Return on Equity (ROE) | 8.6524% | 2,874 |
| Retained earnings to average equity (ytd only) | 3.4448% | 4,176 |
| Net charge-offs to loans | 0.2747% | 1,430 |
| Credit loss provision to net charge-offs | 127.0378% | 1,816 |
| Earnings coverage of net charge-offs (x) | 8.5229% | 2,784 |
| Efficiency ratio | 74.8295% | 2,687 |
| Assets per employee ($millions) | 2.9048% | 5,841 |
| Cash dividends to net income (ytd only)* | 60.1861% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 4,403 |
| Loan loss allowance to noncurrent loans | 307.4074% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 5,457 |
| Noncurrent loans to loans | 0.3793% | 4,775 |
| Net loans and leases to total assets | 49.2805% | 5,079 |
| Net loans and leases to deposits | 63.1277% | 4,625 |
| Net loans and leases to core deposits | 67.4932% | 4,557 |
| Total domestic deposits to total assets | 78.0648% | 5,517 |
| Equity capital to assets | 11.6756% | 2,338 |
| Core capital (leverage) ratio | 7.9727% | 6,089 |
| Tier 1 risk-based capital ratio | 13.9664% | 4,243 |
| Total risk-based capital ratio | 15.0166% | 4,313 |
| Memoranda: | ||
| Average total assets | $500,453,250 | 1,344 |
| Average earning assets | $444,822,000 | 1,388 |
| Average equity | $56,276,000 | 1,306 |
| Average total loans | $244,147,250 | 1,739 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 3,811 |
| Cost of funding earning assets | 0.2074% | 5,853 |
| Net interest margin | 3.7733% | 2,655 |
| Noninterest income to average assets | 1.4938% | 546 |
| Noninterest expense to average assets | 3.7877% | 988 |
| Loan and lease loss provision to assets | 0.1414% | 1,747 |
| Net operating income to assets | 0.9286% | 2,668 |
| Return on assets (ROA) | 0.9302% | 2,759 |
| Pretax return on assets | 0.9302% | 3,761 |
| Return on Equity (ROE) | 8.3793% | 2,905 |
| Retained earnings to average equity (ytd only) | 2.7847% | 4,428 |
| Net charge-offs to loans | 0.3068% | 1,319 |
| Credit loss provision to net charge-offs | 95.1613% | 2,095 |
| Earnings coverage of net charge-offs (x) | 7.2016% | 2,664 |
| Efficiency ratio | 75.9826% | 2,636 |
| Assets per employee ($millions) | 2.7767% | 6,054 |
| Cash dividends to net income (ytd only)* | 66.7669% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 4,874 |
| Loan loss allowance to noncurrent loans | 119.1941% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 4,610 |
| Noncurrent loans to loans | 0.9287% | 3,394 |
| Net loans and leases to total assets | 49.1728% | 5,054 |
| Net loans and leases to deposits | 64.7825% | 4,405 |
| Net loans and leases to core deposits | 69.5658% | 4,309 |
| Total domestic deposits to total assets | 75.9044% | 5,919 |
| Equity capital to assets | 11.5853% | 2,343 |
| Core capital (leverage) ratio | 7.8782% | 6,169 |
| Tier 1 risk-based capital ratio | 13.8834% | 4,331 |
| Total risk-based capital ratio | 14.8932% | 4,438 |
| Memoranda: | ||
| Average total assets | $500,727,670 | 1,342 |
| Average earning assets | $446,398,330 | 1,379 |
| Average equity | $55,589,670 | 1,308 |
| Average total loans | $242,488,000 | 1,742 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,737 |
| Cost of funding earning assets | 0.2095% | 5,924 |
| Net interest margin | 3.7798% | 2,554 |
| Noninterest income to average assets | 1.4398% | 563 |
| Noninterest expense to average assets | 3.7542% | 1,051 |
| Loan and lease loss provision to assets | 0.1389% | 1,751 |
| Net operating income to assets | 0.9162% | 2,570 |
| Return on assets (ROA) | 0.9194% | 2,627 |
| Pretax return on assets | 0.9194% | 3,627 |
| Return on Equity (ROE) | 8.4655% | 2,701 |
| Retained earnings to average equity (ytd only) | 3.2260% | 4,186 |
| Net charge-offs to loans | 0.1119% | 2,059 |
| Credit loss provision to net charge-offs | 259.7015% | 881 |
| Earnings coverage of net charge-offs (x) | 19.7313% | 1,361 |
| Efficiency ratio | 76.0538% | 2,797 |
| Assets per employee ($millions) | 2.7594% | 6,148 |
| Cash dividends to net income (ytd only)* | 61.8924% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 4,707 |
| Loan loss allowance to noncurrent loans | 182.1406% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 5,149 |
| Noncurrent loans to loans | 0.6507% | 4,235 |
| Net loans and leases to total assets | 47.2276% | 5,211 |
| Net loans and leases to deposits | 61.7949% | 4,569 |
| Net loans and leases to core deposits | 65.6586% | 4,528 |
| Total domestic deposits to total assets | 76.4265% | 6,036 |
| Equity capital to assets | 10.8610% | 2,863 |
| Core capital (leverage) ratio | 7.7925% | 6,224 |
| Tier 1 risk-based capital ratio | 13.9639% | 4,357 |
| Total risk-based capital ratio | 15.0390% | 4,434 |
| Memoranda: | ||
| Average total assets | $501,193,000 | 1,350 |
| Average earning assets | $446,795,500 | 1,381 |
| Average equity | $54,433,000 | 1,332 |
| Average total loans | $239,474,500 | 1,763 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 4,186 |
| Cost of funding earning assets | 0.2717% | 5,818 |
| Net interest margin | 3.7008% | 3,051 |
| Noninterest income to average assets | 1.7418% | 490 |
| Noninterest expense to average assets | 4.0315% | 845 |
| Loan and lease loss provision to assets | 0.1215% | 2,794 |
| Net operating income to assets | 0.8212% | 3,182 |
| Return on assets (ROA) | 0.8227% | 3,269 |
| Pretax return on assets | 0.8227% | 4,063 |
| Return on Equity (ROE) | 6.9996% | 3,556 |
| Retained earnings to average equity (ytd only) | 1.7485% | 4,988 |
| Net charge-offs to loans | 0.2591% | 2,415 |
| Credit loss provision to net charge-offs | 96.9178% | 2,577 |
| Earnings coverage of net charge-offs (x) | 7.5171% | 2,831 |
| Efficiency ratio | 78.9621% | 2,328 |
| Assets per employee ($millions) | 2.7031% | 6,215 |
| Cash dividends to net income (ytd only)* | 75.0196% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 4,804 |
| Loan loss allowance to noncurrent loans | 144.8980% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 5,032 |
| Noncurrent loans to loans | 0.8088% | 3,950 |
| Net loans and leases to total assets | 47.2076% | 5,371 |
| Net loans and leases to deposits | 60.3495% | 4,911 |
| Net loans and leases to core deposits | 63.8183% | 4,886 |
| Total domestic deposits to total assets | 78.2236% | 5,795 |
| Equity capital to assets | 10.8604% | 2,750 |
| Core capital (leverage) ratio | 7.9638% | 6,161 |
| Tier 1 risk-based capital ratio | 13.8833% | 4,374 |
| Total risk-based capital ratio | 14.9283% | 4,481 |
| Memoranda: | ||
| Average total assets | $465,658,600 | 1,420 |
| Average earning assets | $406,728,000 | 1,492 |
| Average equity | $54,732,000 | 1,304 |
| Average total loans | $225,423,200 | 1,816 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 4,208 |
| Cost of funding earning assets | 0.2854% | 5,847 |
| Net interest margin | 3.6955% | 3,047 |
| Noninterest income to average assets | 1.7934% | 484 |
| Noninterest expense to average assets | 4.0109% | 846 |
| Loan and lease loss provision to assets | 0.1184% | 2,818 |
| Net operating income to assets | 0.8694% | 2,997 |
| Return on assets (ROA) | 0.8705% | 3,099 |
| Pretax return on assets | 0.8705% | 4,009 |
| Return on Equity (ROE) | 7.2576% | 3,511 |
| Retained earnings to average equity (ytd only) | 1.3798% | 5,431 |
| Net charge-offs to loans | 0.2676% | 2,210 |
| Credit loss provision to net charge-offs | 91.0515% | 2,613 |
| Earnings coverage of net charge-offs (x) | 7.5973% | 2,774 |
| Efficiency ratio | 78.1334% | 2,402 |
| Assets per employee ($millions) | 2.6578% | 6,317 |
| Cash dividends to net income (ytd only)* | 80.9889% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 4,899 |
| Loan loss allowance to noncurrent loans | 148.8082% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 5,177 |
| Noncurrent loans to loans | 0.8015% | 4,238 |
| Net loans and leases to total assets | 48.3775% | 5,307 |
| Net loans and leases to deposits | 58.6482% | 5,118 |
| Net loans and leases to core deposits | 61.6286% | 5,157 |
| Total domestic deposits to total assets | 82.4875% | 4,764 |
| Equity capital to assets | 11.3663% | 2,411 |
| Core capital (leverage) ratio | 8.1652% | 6,092 |
| Tier 1 risk-based capital ratio | 14.6073% | 4,010 |
| Total risk-based capital ratio | 15.7137% | 4,056 |
| Memoranda: | ||
| Average total assets | $458,408,250 | 1,450 |
| Average earning assets | $397,589,250 | 1,534 |
| Average equity | $54,984,500 | 1,305 |
| Average total loans | $222,707,500 | 1,838 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 4,009 |
| Cost of funding earning assets | 0.2947% | 5,871 |
| Net interest margin | 3.7310% | 2,841 |
| Noninterest income to average assets | 1.7201% | 559 |
| Noninterest expense to average assets | 4.0150% | 846 |
| Loan and lease loss provision to assets | 0.1096% | 2,969 |
| Net operating income to assets | 0.7997% | 3,300 |
| Return on assets (ROA) | 0.7997% | 3,449 |
| Pretax return on assets | 0.7997% | 4,315 |
| Return on Equity (ROE) | 6.5490% | 3,853 |
| Retained earnings to average equity (ytd only) | 0.4001% | 5,737 |
| Net charge-offs to loans | 0.1681% | 2,771 |
| Credit loss provision to net charge-offs | 134.5946% | 1,684 |
| Earnings coverage of net charge-offs (x) | 11.1676% | 2,078 |
| Efficiency ratio | 79.3708% | 2,245 |
| Assets per employee ($millions) | 2.5221% | 6,480 |
| Cash dividends to net income (ytd only)* | 93.8910% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 4,710 |
| Loan loss allowance to noncurrent loans | 183.1085% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 5,403 |
| Noncurrent loans to loans | 0.6866% | 4,565 |
| Net loans and leases to total assets | 48.7803% | 5,249 |
| Net loans and leases to deposits | 61.6750% | 4,782 |
| Net loans and leases to core deposits | 65.1131% | 4,778 |
| Total domestic deposits to total assets | 79.0924% | 5,790 |
| Equity capital to assets | 11.6073% | 2,213 |
| Core capital (leverage) ratio | 8.1066% | 6,102 |
| Tier 1 risk-based capital ratio | 14.6765% | 3,980 |
| Total risk-based capital ratio | 15.8491% | 3,996 |
| Memoranda: | ||
| Average total assets | $454,399,000 | 1,469 |
| Average earning assets | $390,243,670 | 1,556 |
| Average equity | $55,489,000 | 1,298 |
| Average total loans | $220,166,000 | 1,857 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 3,602 |
| Cost of funding earning assets | 0.2958% | 6,001 |
| Net interest margin | 3.8334% | 2,339 |
| Noninterest income to average assets | 1.6484% | 573 |
| Noninterest expense to average assets | 4.0347% | 851 |
| Loan and lease loss provision to assets | 0.1159% | 2,787 |
| Net operating income to assets | 0.7777% | 3,294 |
| Return on assets (ROA) | 0.7777% | 3,426 |
| Pretax return on assets | 0.7777% | 4,262 |
| Return on Equity (ROE) | 6.2128% | 3,931 |
| Retained earnings to average equity (ytd only) | 1.1238% | 5,403 |
| Net charge-offs to loans | 0.1365% | 2,590 |
| Credit loss provision to net charge-offs | 177.0270% | 1,199 |
| Earnings coverage of net charge-offs (x) | 13.6486% | 1,514 |
| Efficiency ratio | 79.6948% | 2,378 |
| Assets per employee ($millions) | 2.5545% | 6,533 |
| Cash dividends to net income (ytd only)* | 81.9113% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 4,660 |
| Loan loss allowance to noncurrent loans | 164.3931% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 5,368 |
| Noncurrent loans to loans | 0.7949% | 4,530 |
| Net loans and leases to total assets | 48.0459% | 5,223 |
| Net loans and leases to deposits | 58.1405% | 5,013 |
| Net loans and leases to core deposits | 62.4825% | 4,907 |
| Total domestic deposits to total assets | 82.6375% | 4,973 |
| Equity capital to assets | 12.6013% | 1,650 |
| Core capital (leverage) ratio | 8.1811% | 5,950 |
| Tier 1 risk-based capital ratio | 15.1977% | 3,710 |
| Total risk-based capital ratio | 16.4118% | 3,681 |
| Memoranda: | ||
| Average total assets | $452,083,500 | 1,484 |
| Average earning assets | $386,807,500 | 1,580 |
| Average equity | $56,593,000 | 1,289 |
| Average total loans | $216,865,500 | 1,895 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 3,220 |
| Cost of funding earning assets | 0.3525% | 6,193 |
| Net interest margin | 4.1937% | 1,683 |
| Noninterest income to average assets | 1.7717% | 525 |
| Noninterest expense to average assets | 4.1074% | 853 |
| Loan and lease loss provision to assets | 0.1255% | 4,048 |
| Net operating income to assets | 1.1398% | 1,804 |
| Return on assets (ROA) | 1.3223% | 1,382 |
| Pretax return on assets | 1.3223% | 2,313 |
| Return on Equity (ROE) | 10.1383% | 2,113 |
| Retained earnings to average equity (ytd only) | 4.6075% | 2,980 |
| Net charge-offs to loans | 0.3539% | 2,862 |
| Credit loss provision to net charge-offs | 71.8626% | 4,102 |
| Earnings coverage of net charge-offs (x) | 7.2457% | 2,648 |
| Efficiency ratio | 74.3753% | 3,010 |
| Assets per employee ($millions) | 2.5538% | 6,573 |
| Cash dividends to net income (ytd only)* | 54.5534% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 4,689 |
| Loan loss allowance to noncurrent loans | 150.0808% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 5,439 |
| Noncurrent loans to loans | 0.8593% | 4,463 |
| Net loans and leases to total assets | 46.6644% | 5,554 |
| Net loans and leases to deposits | 55.6658% | 5,479 |
| Net loans and leases to core deposits | 61.7259% | 5,185 |
| Total domestic deposits to total assets | 83.8297% | 4,393 |
| Equity capital to assets | 12.4371% | 1,758 |
| Core capital (leverage) ratio | 8.2323% | 5,959 |
| Tier 1 risk-based capital ratio | 15.3024% | 3,541 |
| Total risk-based capital ratio | 16.5101% | 3,519 |
| Memoranda: | ||
| Average total assets | $433,486,800 | 1,521 |
| Average earning assets | $372,223,200 | 1,607 |
| Average equity | $56,537,800 | 1,261 |
| Average total loans | $213,890,800 | 1,893 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 2,985 |
| Cost of funding earning assets | 0.3612% | 6,325 |
| Net interest margin | 4.2951% | 1,481 |
| Noninterest income to average assets | 1.7824% | 502 |
| Noninterest expense to average assets | 4.1377% | 788 |
| Loan and lease loss provision to assets | 0.1172% | 4,085 |
| Net operating income to assets | 1.2545% | 1,563 |
| Return on assets (ROA) | 1.4993% | 1,135 |
| Pretax return on assets | 1.4993% | 1,878 |
| Return on Equity (ROE) | 11.3543% | 1,836 |
| Retained earnings to average equity (ytd only) | 5.0537% | 3,330 |
| Net charge-offs to loans | 0.3806% | 2,574 |
| Credit loss provision to net charge-offs | 61.7406% | 4,113 |
| Earnings coverage of net charge-offs (x) | 7.2233% | 2,634 |
| Efficiency ratio | 73.0530% | 3,135 |
| Assets per employee ($millions) | 2.4711% | 6,720 |
| Cash dividends to net income (ytd only)* | 55.4907% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 4,637 |
| Loan loss allowance to noncurrent loans | 121.7870% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 5,330 |
| Noncurrent loans to loans | 1.0986% | 4,231 |
| Net loans and leases to total assets | 47.1817% | 5,642 |
| Net loans and leases to deposits | 57.0603% | 5,528 |
| Net loans and leases to core deposits | 63.4017% | 5,215 |
| Total domestic deposits to total assets | 82.6875% | 4,758 |
| Equity capital to assets | 13.2070% | 1,493 |
| Core capital (leverage) ratio | 8.5879% | 5,639 |
| Tier 1 risk-based capital ratio | 15.8897% | 3,329 |
| Total risk-based capital ratio | 17.1400% | 3,297 |
| Memoranda: | ||
| Average total assets | $427,575,000 | 1,555 |
| Average earning assets | $371,016,000 | 1,627 |
| Average equity | $56,458,750 | 1,264 |
| Average total loans | $213,337,000 | 1,926 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8010% | 2,505 |
| Cost of funding earning assets | 0.3784% | 6,386 |
| Net interest margin | 4.4226% | 1,143 |
| Noninterest income to average assets | 1.7476% | 502 |
| Noninterest expense to average assets | 4.1747% | 756 |
| Loan and lease loss provision to assets | 0.1047% | 4,218 |
| Net operating income to assets | 1.3100% | 1,414 |
| Return on assets (ROA) | 1.6786% | 792 |
| Pretax return on assets | 1.6786% | 1,320 |
| Return on Equity (ROE) | 12.7132% | 1,442 |
| Retained earnings to average equity (ytd only) | 6.4011% | 2,441 |
| Net charge-offs to loans | 0.3768% | 2,510 |
| Credit loss provision to net charge-offs | 54.9261% | 3,935 |
| Earnings coverage of net charge-offs (x) | 7.4212% | 2,485 |
| Efficiency ratio | 72.6563% | 3,312 |
| Assets per employee ($millions) | 2.3702% | 6,845 |
| Cash dividends to net income (ytd only)* | 49.6503% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 4,745 |
| Loan loss allowance to noncurrent loans | 124.5358% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 5,415 |
| Noncurrent loans to loans | 1.0682% | 4,381 |
| Net loans and leases to total assets | 49.5243% | 5,419 |
| Net loans and leases to deposits | 60.9484% | 5,144 |
| Net loans and leases to core deposits | 64.7517% | 5,127 |
| Total domestic deposits to total assets | 81.2561% | 5,374 |
| Equity capital to assets | 13.3983% | 1,342 |
| Core capital (leverage) ratio | 8.5952% | 5,527 |
| Tier 1 risk-based capital ratio | 15.5295% | 3,420 |
| Total risk-based capital ratio | 16.7810% | 3,386 |
| Memoranda: | ||
| Average total assets | $425,951,670 | 1,563 |
| Average earning assets | $370,007,000 | 1,637 |
| Average equity | $56,240,670 | 1,264 |
| Average total loans | $215,515,330 | 1,896 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 2,338 |
| Cost of funding earning assets | 0.3900% | 6,458 |
| Net interest margin | 4.4853% | 1,042 |
| Noninterest income to average assets | 1.6197% | 556 |
| Noninterest expense to average assets | 4.1955% | 749 |
| Loan and lease loss provision to assets | 0.0907% | 4,220 |
| Net operating income to assets | 1.2244% | 1,669 |
| Return on assets (ROA) | 1.9580% | 524 |
| Pretax return on assets | 1.9580% | 797 |
| Return on Equity (ROE) | 14.9383% | 979 |
| Retained earnings to average equity (ytd only) | 10.3249% | 1,195 |
| Net charge-offs to loans | 0.2282% | 2,788 |
| Credit loss provision to net charge-offs | 78.2258% | 2,758 |
| Earnings coverage of net charge-offs (x) | 11.3468% | 1,679 |
| Efficiency ratio | 74.0841% | 3,090 |
| Assets per employee ($millions) | 2.2935% | 7,001 |
| Cash dividends to net income (ytd only)* | 30.8831% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 4,695 |
| Loan loss allowance to noncurrent loans | 155.7360% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 5,716 |
| Noncurrent loans to loans | 0.8848% | 4,901 |
| Net loans and leases to total assets | 49.8792% | 5,319 |
| Net loans and leases to deposits | 60.5415% | 5,091 |
| Net loans and leases to core deposits | 66.0014% | 4,908 |
| Total domestic deposits to total assets | 82.3884% | 5,165 |
| Equity capital to assets | 13.2807% | 1,328 |
| Core capital (leverage) ratio | 8.4221% | 5,713 |
| Tier 1 risk-based capital ratio | 15.1325% | 3,666 |
| Total risk-based capital ratio | 16.3590% | 3,642 |
| Memoranda: | ||
| Average total assets | $427,978,500 | 1,557 |
| Average earning assets | $371,258,000 | 1,634 |
| Average equity | $56,097,500 | 1,267 |
| Average total loans | $217,393,500 | 1,880 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 2,163 |
| Cost of funding earning assets | 0.4620% | 6,696 |
| Net interest margin | 4.7139% | 728 |
| Noninterest income to average assets | 1.8057% | 442 |
| Noninterest expense to average assets | 4.3702% | 676 |
| Loan and lease loss provision to assets | 0.2971% | 3,287 |
| Net operating income to assets | 1.2091% | 1,489 |
| Return on assets (ROA) | 1.2646% | 1,438 |
| Pretax return on assets | 1.2646% | 2,255 |
| Return on Equity (ROE) | 9.3144% | 2,322 |
| Retained earnings to average equity (ytd only) | 3.7954% | 3,515 |
| Net charge-offs to loans | 0.4417% | 3,225 |
| Credit loss provision to net charge-offs | 124.0334% | 2,531 |
| Earnings coverage of net charge-offs (x) | 6.2884% | 2,551 |
| Efficiency ratio | 72.3126% | 3,515 |
| Assets per employee ($millions) | 2.3085% | 7,005 |
| Cash dividends to net income (ytd only)* | 59.2519% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,601 |
| Loan loss allowance to noncurrent loans | 172.3148% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 5,926 |
| Noncurrent loans to loans | 0.7948% | 5,099 |
| Net loans and leases to total assets | 50.3146% | 5,545 |
| Net loans and leases to deposits | 62.5396% | 5,170 |
| Net loans and leases to core deposits | 68.9710% | 4,908 |
| Total domestic deposits to total assets | 80.4525% | 5,609 |
| Equity capital to assets | 12.9356% | 1,525 |
| Core capital (leverage) ratio | 8.1592% | 6,060 |
| Tier 1 risk-based capital ratio | 14.6875% | 3,839 |
| Total risk-based capital ratio | 15.9386% | 3,825 |
| Memoranda: | ||
| Average total assets | $399,568,800 | 1,625 |
| Average earning assets | $345,042,400 | 1,724 |
| Average equity | $54,249,200 | 1,254 |
| Average total loans | $216,663,400 | 1,896 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2496% | 2,034 |
| Cost of funding earning assets | 0.4763% | 6,791 |
| Net interest margin | 4.7733% | 658 |
| Noninterest income to average assets | 1.8113% | 441 |
| Noninterest expense to average assets | 4.3771% | 652 |
| Loan and lease loss provision to assets | 0.2278% | 3,734 |
| Net operating income to assets | 1.3190% | 1,327 |
| Return on assets (ROA) | 1.3863% | 1,262 |
| Pretax return on assets | 1.3863% | 1,978 |
| Return on Equity (ROE) | 10.0802% | 2,171 |
| Retained earnings to average equity (ytd only) | 3.7829% | 4,048 |
| Net charge-offs to loans | 0.3949% | 3,137 |
| Credit loss provision to net charge-offs | 104.6875% | 3,178 |
| Earnings coverage of net charge-offs (x) | 7.1078% | 2,420 |
| Efficiency ratio | 71.8115% | 3,586 |
| Assets per employee ($millions) | 2.3245% | 7,059 |
| Cash dividends to net income (ytd only)* | 62.4725% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 5,048 |
| Loan loss allowance to noncurrent loans | 79.5681% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 4,957 |
| Noncurrent loans to loans | 1.6238% | 3,865 |
| Net loans and leases to total assets | 51.7002% | 5,484 |
| Net loans and leases to deposits | 64.8004% | 5,073 |
| Net loans and leases to core deposits | 64.8004% | 5,541 |
| Total domestic deposits to total assets | 79.7837% | 5,802 |
| Equity capital to assets | 13.3838% | 1,420 |
| Core capital (leverage) ratio | 8.2588% | 6,040 |
| Tier 1 risk-based capital ratio | 14.4894% | 3,985 |
| Total risk-based capital ratio | 15.7398% | 3,957 |
| Memoranda: | ||
| Average total assets | $392,117,500 | 1,667 |
| Average earning assets | $337,844,250 | 1,768 |
| Average equity | $53,926,000 | 1,260 |
| Average total loans | $216,069,750 | 1,918 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2780% | 1,962 |
| Cost of funding earning assets | 0.4845% | 6,893 |
| Net interest margin | 4.7935% | 606 |
| Noninterest income to average assets | 1.7968% | 423 |
| Noninterest expense to average assets | 4.4510% | 630 |
| Loan and lease loss provision to assets | 0.1559% | 4,363 |
| Net operating income to assets | 1.3177% | 1,278 |
| Return on assets (ROA) | 1.4170% | 1,112 |
| Pretax return on assets | 1.4170% | 1,763 |
| Return on Equity (ROE) | 10.2053% | 2,047 |
| Retained earnings to average equity (ytd only) | 3.6525% | 3,903 |
| Net charge-offs to loans | 0.2298% | 3,745 |
| Credit loss provision to net charge-offs | 120.9677% | 2,522 |
| Earnings coverage of net charge-offs (x) | 11.4355% | 1,716 |
| Efficiency ratio | 73.0047% | 3,543 |
| Assets per employee ($millions) | 2.2782% | 7,134 |
| Cash dividends to net income (ytd only)* | 64.2098% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 5,072 |
| Loan loss allowance to noncurrent loans | 94.1923% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 5,278 |
| Noncurrent loans to loans | 1.3777% | 4,346 |
| Net loans and leases to total assets | 53.5298% | 5,361 |
| Net loans and leases to deposits | 67.6037% | 4,770 |
| Net loans and leases to core deposits | 67.6037% | 5,329 |
| Total domestic deposits to total assets | 79.1818% | 6,036 |
| Equity capital to assets | 13.6329% | 1,233 |
| Core capital (leverage) ratio | 8.2778% | 5,908 |
| Tier 1 risk-based capital ratio | 13.4803% | 4,541 |
| Total risk-based capital ratio | 14.7136% | 4,536 |
| Memoranda: | ||
| Average total assets | $384,905,000 | 1,703 |
| Average earning assets | $331,452,000 | 1,802 |
| Average equity | $53,442,670 | 1,260 |
| Average total loans | $215,855,670 | 1,939 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 1,915 |
| Cost of funding earning assets | 0.4975% | 6,978 |
| Net interest margin | 4.7881% | 582 |
| Noninterest income to average assets | 1.7544% | 445 |
| Noninterest expense to average assets | 4.4949% | 596 |
| Loan and lease loss provision to assets | 0.1592% | 4,036 |
| Net operating income to assets | 1.1962% | 1,531 |
| Return on assets (ROA) | 1.3299% | 1,251 |
| Pretax return on assets | 1.3299% | 1,942 |
| Return on Equity (ROE) | 9.4867% | 2,285 |
| Retained earnings to average equity (ytd only) | 3.5282% | 4,071 |
| Net charge-offs to loans | 0.1674% | 3,474 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 14.1889% | 1,385 |
| Efficiency ratio | 74.6372% | 3,402 |
| Assets per employee ($millions) | 2.2243% | 7,238 |
| Cash dividends to net income (ytd only)* | 62.8093% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 5,058 |
| Loan loss allowance to noncurrent loans | 94.4908% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 5,233 |
| Noncurrent loans to loans | 1.3922% | 4,384 |
| Net loans and leases to total assets | 55.1718% | 5,131 |
| Net loans and leases to deposits | 66.7754% | 4,866 |
| Net loans and leases to core deposits | 66.7754% | 5,435 |
| Total domestic deposits to total assets | 82.6230% | 5,055 |
| Equity capital to assets | 13.7647% | 1,080 |
| Core capital (leverage) ratio | 8.4974% | 5,460 |
| Tier 1 risk-based capital ratio | 13.4707% | 4,441 |
| Total risk-based capital ratio | 14.7207% | 4,421 |
| Memoranda: | ||
| Average total assets | $376,872,000 | 1,744 |
| Average earning assets | $322,384,000 | 1,865 |
| Average equity | $52,832,000 | 1,266 |
| Average total loans | $215,053,000 | 1,972 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5321% | 2,151 |
| Cost of funding earning assets | 0.5994% | 7,133 |
| Net interest margin | 4.9327% | 508 |
| Noninterest income to average assets | 1.6911% | 517 |
| Noninterest expense to average assets | 4.8495% | 473 |
| Loan and lease loss provision to assets | 0.2034% | 5,209 |
| Net operating income to assets | 0.8325% | 2,657 |
| Return on assets (ROA) | 0.9176% | 2,451 |
| Pretax return on assets | 0.9176% | 3,210 |
| Return on Equity (ROE) | 6.3924% | 3,399 |
| Retained earnings to average equity (ytd only) | 1.9409% | 4,506 |
| Net charge-offs to loans | 0.3365% | 4,330 |
| Credit loss provision to net charge-offs | 103.3473% | 4,359 |
| Earnings coverage of net charge-offs (x) | 5.2636% | 2,673 |
| Efficiency ratio | 80.5335% | 2,340 |
| Assets per employee ($millions) | 2.0161% | 7,413 |
| Cash dividends to net income (ytd only)* | 69.6380% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 5,061 |
| Loan loss allowance to noncurrent loans | 96.6167% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 5,321 |
| Noncurrent loans to loans | 1.3336% | 4,490 |
| Net loans and leases to total assets | 57.5168% | 5,108 |
| Net loans and leases to deposits | 69.7691% | 4,841 |
| Net loans and leases to core deposits | 69.7691% | 5,465 |
| Total domestic deposits to total assets | 82.4387% | 5,043 |
| Equity capital to assets | 14.2833% | 958 |
| Core capital (leverage) ratio | 8.5311% | 5,301 |
| Tier 1 risk-based capital ratio | 13.2976% | 4,377 |
| Total risk-based capital ratio | 14.5415% | 4,337 |
| Memoranda: | ||
| Average total assets | $364,327,800 | 1,797 |
| Average earning assets | $309,790,400 | 1,918 |
| Average equity | $52,296,200 | 1,278 |
| Average total loans | $213,065,200 | 2,035 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5520% | 2,247 |
| Cost of funding earning assets | 0.6159% | 7,259 |
| Net interest margin | 4.9361% | 514 |
| Noninterest income to average assets | 1.6763% | 501 |
| Noninterest expense to average assets | 4.8872% | 410 |
| Loan and lease loss provision to assets | 0.1725% | 5,316 |
| Net operating income to assets | 0.8150% | 2,939 |
| Return on assets (ROA) | 0.9288% | 2,630 |
| Pretax return on assets | 0.9288% | 3,450 |
| Return on Equity (ROE) | 6.4627% | 3,595 |
| Retained earnings to average equity (ytd only) | 1.6604% | 5,124 |
| Net charge-offs to loans | 0.2954% | 4,184 |
| Credit loss provision to net charge-offs | 99.7877% | 4,373 |
| Earnings coverage of net charge-offs (x) | 5.7113% | 2,698 |
| Efficiency ratio | 81.3148% | 2,150 |
| Assets per employee ($millions) | 2.0791% | 7,484 |
| Cash dividends to net income (ytd only)* | 74.3082% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 5,107 |
| Loan loss allowance to noncurrent loans | 139.9796% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 5,921 |
| Noncurrent loans to loans | 0.9080% | 5,432 |
| Net loans and leases to total assets | 58.6018% | 5,169 |
| Net loans and leases to deposits | 72.0657% | 4,832 |
| Net loans and leases to core deposits | 72.0657% | 5,501 |
| Total domestic deposits to total assets | 81.3172% | 5,262 |
| Equity capital to assets | 14.4153% | 1,042 |
| Core capital (leverage) ratio | 8.5965% | 5,353 |
| Tier 1 risk-based capital ratio | 13.0044% | 4,576 |
| Total risk-based capital ratio | 14.2304% | 4,568 |
| Memoranda: | ||
| Average total assets | $363,172,750 | 1,825 |
| Average earning assets | $308,901,750 | 1,959 |
| Average equity | $52,195,750 | 1,281 |
| Average total loans | $212,587,250 | 2,070 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4975% | 2,522 |
| Cost of funding earning assets | 0.6321% | 7,337 |
| Net interest margin | 4.8655% | 583 |
| Noninterest income to average assets | 1.6382% | 479 |
| Noninterest expense to average assets | 4.7704% | 450 |
| Loan and lease loss provision to assets | 0.1653% | 5,236 |
| Net operating income to assets | 0.8255% | 2,844 |
| Return on assets (ROA) | 0.9682% | 2,387 |
| Pretax return on assets | 0.9682% | 3,243 |
| Return on Equity (ROE) | 6.7433% | 3,426 |
| Retained earnings to average equity (ytd only) | 1.5160% | 5,112 |
| Net charge-offs to loans | 0.2421% | 4,147 |
| Credit loss provision to net charge-offs | 117.1875% | 3,470 |
| Earnings coverage of net charge-offs (x) | 7.0234% | 2,370 |
| Efficiency ratio | 80.8895% | 2,315 |
| Assets per employee ($millions) | 1.9397% | 7,605 |
| Cash dividends to net income (ytd only)* | 77.5185% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 4,988 |
| Loan loss allowance to noncurrent loans | 150.4043% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 6,034 |
| Noncurrent loans to loans | 0.8572% | 5,548 |
| Net loans and leases to total assets | 59.2047% | 5,213 |
| Net loans and leases to deposits | 71.9954% | 4,996 |
| Net loans and leases to core deposits | 71.9954% | 5,669 |
| Total domestic deposits to total assets | 82.2339% | 4,891 |
| Equity capital to assets | 14.5667% | 992 |
| Core capital (leverage) ratio | 8.4610% | 5,478 |
| Tier 1 risk-based capital ratio | 12.8641% | 4,555 |
| Total risk-based capital ratio | 14.1132% | 4,513 |
| Memoranda: | ||
| Average total assets | $362,949,670 | 1,840 |
| Average earning assets | $307,555,330 | 1,978 |
| Average equity | $52,111,330 | 1,276 |
| Average total loans | $211,462,000 | 2,106 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5366% | 2,426 |
| Cost of funding earning assets | 0.6407% | 7,469 |
| Net interest margin | 4.8959% | 522 |
| Noninterest income to average assets | 1.5372% | 511 |
| Noninterest expense to average assets | 4.7040% | 477 |
| Loan and lease loss provision to assets | 0.2747% | 3,826 |
| Net operating income to assets | 0.6813% | 3,517 |
| Return on assets (ROA) | 0.7758% | 3,188 |
| Pretax return on assets | 0.7758% | 3,968 |
| Return on Equity (ROE) | 5.4423% | 4,132 |
| Retained earnings to average equity (ytd only) | 0.9636% | 5,429 |
| Net charge-offs to loans | 0.5723% | 2,376 |
| Credit loss provision to net charge-offs | 83.6120% | 3,795 |
| Earnings coverage of net charge-offs (x) | 2.9097% | 3,097 |
| Efficiency ratio | 81.1687% | 2,391 |
| Assets per employee ($millions) | 2.0613% | 7,634 |
| Cash dividends to net income (ytd only)* | 82.2946% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 4,838 |
| Loan loss allowance to noncurrent loans | 134.9175% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 5,975 |
| Noncurrent loans to loans | 0.9759% | 5,375 |
| Net loans and leases to total assets | 55.7183% | 5,789 |
| Net loans and leases to deposits | 67.4105% | 5,659 |
| Net loans and leases to core deposits | 67.4105% | 6,164 |
| Total domestic deposits to total assets | 82.6552% | 4,776 |
| Equity capital to assets | 14.3209% | 1,059 |
| Core capital (leverage) ratio | 8.2691% | 5,802 |
| Tier 1 risk-based capital ratio | 13.0820% | 4,274 |
| Total risk-based capital ratio | 14.3273% | 4,247 |
| Memoranda: | ||
| Average total assets | $364,030,000 | 1,881 |
| Average earning assets | $306,541,000 | 2,037 |
| Average equity | $51,889,500 | 1,291 |
| Average total loans | $208,996,000 | 2,186 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9979% | 1,878 |
| Cost of funding earning assets | 0.8578% | 7,473 |
| Net interest margin | 5.1400% | 336 |
| Noninterest income to average assets | 2.1473% | 343 |
| Noninterest expense to average assets | 4.7772% | 620 |
| Loan and lease loss provision to assets | 0.6345% | 3,266 |
| Net operating income to assets | 1.0886% | 1,542 |
| Return on assets (ROA) | 1.1333% | 1,460 |
| Pretax return on assets | 1.1333% | 2,149 |
| Return on Equity (ROE) | 7.7004% | 2,493 |
| Retained earnings to average equity (ytd only) | -3.1957% | 5,738 |
| Net charge-offs to loans | 0.7311% | 3,002 |
| Credit loss provision to net charge-offs | 142.2571% | 3,398 |
| Earnings coverage of net charge-offs (x) | 3.8633% | 3,165 |
| Efficiency ratio | 73.1739% | 4,058 |
| Assets per employee ($millions) | 1.9430% | 7,759 |
| Cash dividends to net income (ytd only)* | 141.5001% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 4,827 |
| Loan loss allowance to noncurrent loans | 126.7190% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 5,947 |
| Noncurrent loans to loans | 1.0166% | 5,283 |
| Net loans and leases to total assets | 57.6036% | 5,727 |
| Net loans and leases to deposits | 69.4521% | 5,676 |
| Net loans and leases to core deposits | 80.5442% | 6,036 |
| Total domestic deposits to total assets | 82.9400% | 4,547 |
| Equity capital to assets | 14.1879% | 1,110 |
| Core capital (leverage) ratio | 8.2524% | 5,717 |
| Tier 1 risk-based capital ratio | 12.4939% | 4,529 |
| Total risk-based capital ratio | 13.7159% | 4,496 |
| Memoranda: | ||
| Average total assets | $357,617,600 | 1,898 |
| Average earning assets | $302,857,800 | 2,050 |
| Average equity | $52,633,800 | 1,255 |
| Average total loans | $218,156,800 | 2,117 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0454% | 1,858 |
| Cost of funding earning assets | 0.9072% | 7,546 |
| Net interest margin | 5.1382% | 337 |
| Noninterest income to average assets | 1.7059% | 503 |
| Noninterest expense to average assets | 4.3222% | 884 |
| Loan and lease loss provision to assets | 0.6256% | 2,888 |
| Net operating income to assets | 1.1189% | 1,677 |
| Return on assets (ROA) | 1.1789% | 1,571 |
| Pretax return on assets | 1.1789% | 2,331 |
| Return on Equity (ROE) | 7.9363% | 2,666 |
| Retained earnings to average equity (ytd only) | 0.2776% | 5,083 |
| Net charge-offs to loans | 0.7705% | 2,432 |
| Credit loss provision to net charge-offs | 131.6246% | 3,799 |
| Earnings coverage of net charge-offs (x) | 3.6704% | 3,430 |
| Efficiency ratio | 71.1708% | 4,394 |
| Assets per employee ($millions) | 1.8863% | 7,860 |
| Cash dividends to net income (ytd only)* | 96.5025% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 5,285 |
| Loan loss allowance to noncurrent loans | 115.2377% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 5,816 |
| Noncurrent loans to loans | 1.0170% | 5,274 |
| Net loans and leases to total assets | 58.8066% | 5,765 |
| Net loans and leases to deposits | 72.7590% | 5,540 |
| Net loans and leases to core deposits | 83.5620% | 6,074 |
| Total domestic deposits to total assets | 80.8238% | 5,146 |
| Equity capital to assets | 15.0397% | 994 |
| Core capital (leverage) ratio | 8.8367% | 4,914 |
| Tier 1 risk-based capital ratio | 13.2159% | 4,040 |
| Total risk-based capital ratio | 14.3149% | 4,080 |
| Memoranda: | ||
| Average total assets | $355,703,000 | 1,926 |
| Average earning assets | $301,885,250 | 2,076 |
| Average equity | $52,836,000 | 1,269 |
| Average total loans | $219,406,500 | 2,130 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0745% | 1,884 |
| Cost of funding earning assets | 0.9614% | 7,608 |
| Net interest margin | 5.1131% | 350 |
| Noninterest income to average assets | 1.7469% | 478 |
| Noninterest expense to average assets | 4.2285% | 1,036 |
| Loan and lease loss provision to assets | 0.6707% | 2,426 |
| Net operating income to assets | 1.1886% | 1,507 |
| Return on assets (ROA) | 1.2116% | 1,527 |
| Pretax return on assets | 1.2116% | 2,265 |
| Return on Equity (ROE) | 8.1907% | 2,695 |
| Retained earnings to average equity (ytd only) | -0.3342% | 5,303 |
| Net charge-offs to loans | 0.3753% | 3,317 |
| Credit loss provision to net charge-offs | 286.3309% | 1,634 |
| Earnings coverage of net charge-offs (x) | 7.9376% | 2,354 |
| Efficiency ratio | 69.4593% | 4,887 |
| Assets per employee ($millions) | 1.9217% | 7,905 |
| Cash dividends to net income (ytd only)* | 104.0797% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 4,451 |
| Loan loss allowance to noncurrent loans | 126.4536% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 5,692 |
| Noncurrent loans to loans | 1.0059% | 5,193 |
| Net loans and leases to total assets | 61.8671% | 5,381 |
| Net loans and leases to deposits | 74.9667% | 5,328 |
| Net loans and leases to core deposits | 86.4708% | 5,853 |
| Total domestic deposits to total assets | 82.5262% | 4,464 |
| Equity capital to assets | 14.6901% | 1,112 |
| Core capital (leverage) ratio | 8.7132% | 5,069 |
| Tier 1 risk-based capital ratio | 12.4276% | 4,577 |
| Total risk-based capital ratio | 13.6314% | 4,542 |
| Memoranda: | ||
| Average total assets | $356,061,670 | 1,948 |
| Average earning assets | $302,280,670 | 2,098 |
| Average equity | $52,669,670 | 1,288 |
| Average total loans | $222,203,000 | 2,142 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0719% | 2,067 |
| Cost of funding earning assets | 1.0341% | 7,617 |
| Net interest margin | 5.0378% | 370 |
| Noninterest income to average assets | 1.5522% | 574 |
| Noninterest expense to average assets | 4.3211% | 837 |
| Loan and lease loss provision to assets | 0.4120% | 2,861 |
| Net operating income to assets | 1.0963% | 1,972 |
| Return on assets (ROA) | 1.1166% | 2,030 |
| Pretax return on assets | 1.1166% | 2,925 |
| Return on Equity (ROE) | 7.5222% | 3,370 |
| Retained earnings to average equity (ytd only) | -1.0692% | 5,904 |
| Net charge-offs to loans | 0.2567% | 3,126 |
| Credit loss provision to net charge-offs | 257.7465% | 1,828 |
| Earnings coverage of net charge-offs (x) | 9.4366% | 2,062 |
| Efficiency ratio | 74.1263% | 3,805 |
| Assets per employee ($millions) | 1.9122% | 7,954 |
| Cash dividends to net income (ytd only)* | 114.2137% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 5,940 |
| Loan loss allowance to noncurrent loans | 103.4700% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 5,610 |
| Noncurrent loans to loans | 0.9953% | 5,004 |
| Net loans and leases to total assets | 61.7093% | 5,386 |
| Net loans and leases to deposits | 74.7589% | 5,390 |
| Net loans and leases to core deposits | 89.1235% | 5,634 |
| Total domestic deposits to total assets | 82.5445% | 4,357 |
| Equity capital to assets | 14.7666% | 1,169 |
| Core capital (leverage) ratio | 8.6789% | 5,188 |
| Tier 1 risk-based capital ratio | 12.3529% | 4,658 |
| Total risk-based capital ratio | 13.3232% | 4,792 |
| Memoranda: | ||
| Average total assets | $355,374,000 | 1,953 |
| Average earning assets | $301,718,500 | 2,115 |
| Average equity | $52,750,500 | 1,291 |
| Average total loans | $221,312,000 | 2,171 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5407% | 2,758 |
| Cost of funding earning assets | 1.4587% | 7,672 |
| Net interest margin | 5.0820% | 422 |
| Noninterest income to average assets | 2.0790% | 325 |
| Noninterest expense to average assets | 4.7231% | 751 |
| Loan and lease loss provision to assets | 0.1311% | 5,689 |
| Net operating income to assets | 1.4938% | 1,031 |
| Return on assets (ROA) | 1.5171% | 952 |
| Pretax return on assets | 1.5171% | 1,629 |
| Return on Equity (ROE) | 10.4882% | 2,090 |
| Retained earnings to average equity (ytd only) | 5.5541% | 1,742 |
| Net charge-offs to loans | 0.2128% | 4,083 |
| Credit loss provision to net charge-offs | 95.1983% | 5,541 |
| Earnings coverage of net charge-offs (x) | 11.8017% | 2,328 |
| Efficiency ratio | 74.2767% | 3,527 |
| Assets per employee ($millions) | 2.0181% | 7,902 |
| Cash dividends to net income (ytd only)* | 47.0443% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 6,431 |
| Loan loss allowance to noncurrent loans | 122.8216% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 5,759 |
| Noncurrent loans to loans | 0.7680% | 5,113 |
| Net loans and leases to total assets | 61.6125% | 5,679 |
| Net loans and leases to deposits | 78.3095% | 5,289 |
| Net loans and leases to core deposits | 92.3489% | 5,601 |
| Total domestic deposits to total assets | 78.6783% | 5,491 |
| Equity capital to assets | 14.9217% | 1,182 |
| Core capital (leverage) ratio | 8.8618% | 4,953 |
| Tier 1 risk-based capital ratio | 11.8166% | 4,971 |
| Total risk-based capital ratio | 12.6539% | 5,233 |
| Memoranda: | ||
| Average total assets | $347,907,200 | 1,912 |
| Average earning assets | $292,249,000 | 2,094 |
| Average equity | $50,323,200 | 1,342 |
| Average total loans | $225,057,400 | 2,083 |