Home > Montecito Bank & Trust > Performance and Condition Ratios
Montecito Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,869 |
| Cost of funding earning assets | 0.5041% | 4,191 |
| Net interest margin | 3.5546% | 2,054 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 3.0798% | 991 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5731% | 3,505 |
| Return on assets (ROA) | 0.5721% | 3,500 |
| Pretax return on assets | 0.7892% | 3,234 |
| Return on Equity (ROE) | 9.1000% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.9502% | 1,553 |
| Net charge-offs to loans | 0.0327% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 43.1505% | 1,393 |
| Efficiency ratio | 79.5757% | 941 |
| Assets per employee ($millions) | 7.6169% | 1,648 |
| Cash dividends to net income (ytd only)* | 12.6613% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,506 |
| Loan loss allowance to noncurrent loans | 458.8614% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 2,547 |
| Noncurrent loans to loans | 0.2526% | 2,284 |
| Net loans and leases to total assets | 57.0500% | 3,117 |
| Net loans and leases to deposits | 65.9164% | 3,173 |
| Net loans and leases to core deposits | 70.3269% | 3,288 |
| Total domestic deposits to total assets | 86.5400% | 1,839 |
| Equity capital to assets | 6.9372% | 3,962 |
| Core capital (leverage) ratio | 9.8579% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,139,815,200 | 537 |
| Average earning assets | $1,973,473,200 | 531 |
| Average equity | $134,486,400 | 736 |
| Average total loans | $1,200,435,200 | 632 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0154% | 3,820 |
| Cost of funding earning assets | 0.4010% | 4,253 |
| Net interest margin | 3.6144% | 1,963 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 3.0387% | 1,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6416% | 3,450 |
| Return on assets (ROA) | 0.6403% | 3,444 |
| Pretax return on assets | 0.8843% | 3,139 |
| Return on Equity (ROE) | 10.4600% | 2,511 |
| Retained earnings to average equity (ytd only) | 9.5940% | 1,520 |
| Net charge-offs to loans | 0.0021% | 2,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 749.0000% | 210 |
| Efficiency ratio | 77.4251% | 1,057 |
| Assets per employee ($millions) | 7.3603% | 1,718 |
| Cash dividends to net income (ytd only)* | 8.2645% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,325 |
| Loan loss allowance to noncurrent loans | 424.0730% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 2,476 |
| Noncurrent loans to loans | 0.2845% | 2,217 |
| Net loans and leases to total assets | 57.5500% | 3,065 |
| Net loans and leases to deposits | 64.7092% | 3,212 |
| Net loans and leases to core deposits | 68.7557% | 3,285 |
| Total domestic deposits to total assets | 88.9300% | 1,281 |
| Equity capital to assets | 5.9364% | 4,012 |
| Core capital (leverage) ratio | 9.9012% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,141,589,250 | 537 |
| Average earning assets | $1,975,454,750 | 527 |
| Average equity | $131,120,500 | 753 |
| Average total loans | $1,192,814,000 | 630 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9622% | 3,761 |
| Cost of funding earning assets | 0.2872% | 4,331 |
| Net interest margin | 3.6750% | 1,865 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.9760% | 1,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7202% | 3,298 |
| Return on assets (ROA) | 0.7177% | 3,303 |
| Pretax return on assets | 0.9941% | 2,930 |
| Return on Equity (ROE) | 11.6100% | 2,268 |
| Retained earnings to average equity (ytd only) | 10.7851% | 1,226 |
| Net charge-offs to loans | 0.0034% | 2,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 538.8500% | 272 |
| Efficiency ratio | 74.8993% | 1,265 |
| Assets per employee ($millions) | 7.5326% | 1,588 |
| Cash dividends to net income (ytd only)* | 7.0922% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,240 |
| Loan loss allowance to noncurrent loans | 428.9550% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,417 |
| Noncurrent loans to loans | 0.2885% | 2,104 |
| Net loans and leases to total assets | 56.2100% | 3,106 |
| Net loans and leases to deposits | 62.5648% | 3,273 |
| Net loans and leases to core deposits | 65.4666% | 3,380 |
| Total domestic deposits to total assets | 89.8400% | 969 |
| Equity capital to assets | 6.5300% | 3,987 |
| Core capital (leverage) ratio | 9.8360% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,161,130,000 | 513 |
| Average earning assets | $1,997,426,667 | 516 |
| Average equity | $133,609,667 | 730 |
| Average total loans | $1,185,967,667 | 620 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 3,429 |
| Cost of funding earning assets | 0.1977% | 4,386 |
| Net interest margin | 3.8157% | 1,655 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.8624% | 1,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8824% | 2,911 |
| Return on assets (ROA) | 0.8783% | 2,884 |
| Pretax return on assets | 1.2227% | 2,373 |
| Return on Equity (ROE) | 14.6000% | 1,645 |
| Retained earnings to average equity (ytd only) | 14.5952% | 858 |
| Net charge-offs to loans | -0.0027% | 3,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.9791% | 1,753 |
| Assets per employee ($millions) | 7.6229% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,269 |
| Loan loss allowance to noncurrent loans | 433.9906% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 2,380 |
| Noncurrent loans to loans | 0.2891% | 2,111 |
| Net loans and leases to total assets | 54.9600% | 3,124 |
| Net loans and leases to deposits | 60.5270% | 3,300 |
| Net loans and leases to core deposits | 61.6999% | 3,460 |
| Total domestic deposits to total assets | 90.8100% | 861 |
| Equity capital to assets | 6.6180% | 3,992 |
| Core capital (leverage) ratio | 9.1856% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,198,434,000 | 515 |
| Average earning assets | $2,035,820,500 | 511 |
| Average equity | $132,290,000 | 742 |
| Average total loans | $1,185,229,500 | 630 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4219% | 3,291 |
| Cost of funding earning assets | 0.0852% | 4,457 |
| Net interest margin | 3.3367% | 2,465 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.5869% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7685% | 3,424 |
| Return on assets (ROA) | 0.7686% | 3,370 |
| Pretax return on assets | 1.0743% | 2,851 |
| Return on Equity (ROE) | 12.2500% | 2,058 |
| Retained earnings to average equity (ytd only) | 10.9870% | 889 |
| Net charge-offs to loans | -0.0011% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.6603% | 1,599 |
| Assets per employee ($millions) | 8.5273% | 1,079 |
| Cash dividends to net income (ytd only)* | 10.3197% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,232 |
| Loan loss allowance to noncurrent loans | 372.3850% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 2,337 |
| Noncurrent loans to loans | 0.3312% | 1,965 |
| Net loans and leases to total assets | 51.6500% | 3,384 |
| Net loans and leases to deposits | 55.8857% | 3,584 |
| Net loans and leases to core deposits | 56.6945% | 3,691 |
| Total domestic deposits to total assets | 92.4200% | 540 |
| Equity capital to assets | 5.4626% | 4,249 |
| Core capital (leverage) ratio | 8.5328% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2970% | 1,849 |
| Memoranda: | ||
| Average total assets | $2,376,514,800 | 471 |
| Average earning assets | $2,231,815,200 | 457 |
| Average equity | $149,093,800 | 683 |
| Average total loans | $1,190,877,400 | 586 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2567% | 3,298 |
| Cost of funding earning assets | 0.0714% | 4,473 |
| Net interest margin | 3.1853% | 2,673 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.4486% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7720% | 3,347 |
| Return on assets (ROA) | 0.7721% | 3,303 |
| Pretax return on assets | 1.0798% | 2,780 |
| Return on Equity (ROE) | 11.9400% | 2,052 |
| Retained earnings to average equity (ytd only) | 10.9821% | 1,061 |
| Net charge-offs to loans | -0.0046% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.4009% | 1,835 |
| Assets per employee ($millions) | 9.1039% | 858 |
| Cash dividends to net income (ytd only)* | 8.0245% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,403 |
| Loan loss allowance to noncurrent loans | 176.5332% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 1,547 |
| Noncurrent loans to loans | 0.6931% | 1,177 |
| Net loans and leases to total assets | 49.9800% | 3,463 |
| Net loans and leases to deposits | 53.6285% | 3,624 |
| Net loans and leases to core deposits | 54.0287% | 3,742 |
| Total domestic deposits to total assets | 93.1900% | 526 |
| Equity capital to assets | 5.0354% | 4,283 |
| Core capital (leverage) ratio | 8.1616% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9356% | 2,080 |
| Memoranda: | ||
| Average total assets | $2,399,314,750 | 464 |
| Average earning assets | $2,260,091,000 | 450 |
| Average equity | $155,157,750 | 671 |
| Average total loans | $1,189,818,750 | 580 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0996% | 3,307 |
| Cost of funding earning assets | 0.0711% | 4,450 |
| Net interest margin | 3.0285% | 2,801 |
| Noninterest income to average assets | 0.5348% | 2,018 |
| Noninterest expense to average assets | 2.2725% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8030% | 2,946 |
| Return on assets (ROA) | 0.8032% | 2,914 |
| Pretax return on assets | 1.1259% | 2,319 |
| Return on Equity (ROE) | 11.5738% | 1,806 |
| Retained earnings to average equity (ytd only) | 10.4950% | 905 |
| Net charge-offs to loans | -0.0064% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8748% | 2,395 |
| Assets per employee ($millions) | 9.7313% | 714 |
| Cash dividends to net income (ytd only)* | 9.3216% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 2,474 |
| Loan loss allowance to noncurrent loans | 230.9401% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 2,012 |
| Noncurrent loans to loans | 0.5365% | 1,544 |
| Net loans and leases to total assets | 47.8036% | 3,568 |
| Net loans and leases to deposits | 51.7100% | 3,706 |
| Net loans and leases to core deposits | 52.1105% | 3,817 |
| Total domestic deposits to total assets | 92.4456% | 672 |
| Equity capital to assets | 5.8148% | 4,266 |
| Core capital (leverage) ratio | 7.9541% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5925% | 2,257 |
| Memoranda: | ||
| Average total assets | $2,404,010,333 | 460 |
| Average earning assets | $2,272,838,000 | 449 |
| Average equity | $166,841,667 | 635 |
| Average total loans | $1,184,138,000 | 574 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9666% | 3,352 |
| Cost of funding earning assets | 0.0668% | 4,484 |
| Net interest margin | 2.8998% | 2,839 |
| Noninterest income to average assets | 0.5459% | 1,924 |
| Noninterest expense to average assets | 2.1538% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8106% | 2,632 |
| Return on assets (ROA) | 0.8106% | 2,624 |
| Pretax return on assets | 1.1486% | 1,986 |
| Return on Equity (ROE) | 10.7744% | 1,695 |
| Retained earnings to average equity (ytd only) | 9.8790% | 1,049 |
| Net charge-offs to loans | -0.0041% | 3,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2183% | 2,872 |
| Assets per employee ($millions) | 9.4069% | 790 |
| Cash dividends to net income (ytd only)* | 8.3108% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,641 |
| Loan loss allowance to noncurrent loans | 199.5937% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 1,885 |
| Noncurrent loans to loans | 0.6223% | 1,507 |
| Net loans and leases to total assets | 48.8499% | 3,299 |
| Net loans and leases to deposits | 53.5820% | 3,453 |
| Net loans and leases to core deposits | 54.0503% | 3,587 |
| Total domestic deposits to total assets | 91.1685% | 945 |
| Equity capital to assets | 6.8692% | 4,277 |
| Core capital (leverage) ratio | 8.2649% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7320% | 2,332 |
| Memoranda: | ||
| Average total assets | $2,375,009,500 | 471 |
| Average earning assets | $2,257,653,000 | 458 |
| Average equity | $178,682,500 | 607 |
| Average total loans | $1,180,359,500 | 571 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3851% | 2,970 |
| Cost of funding earning assets | 0.0763% | 4,556 |
| Net interest margin | 3.3088% | 2,297 |
| Noninterest income to average assets | 0.6171% | 2,089 |
| Noninterest expense to average assets | 2.6863% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7859% | 3,374 |
| Return on assets (ROA) | 0.8058% | 3,392 |
| Pretax return on assets | 1.1202% | 2,905 |
| Return on Equity (ROE) | 9.2487% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.2910% | 1,427 |
| Net charge-offs to loans | -0.0133% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0397% | 1,612 |
| Assets per employee ($millions) | 9.1489% | 874 |
| Cash dividends to net income (ytd only)* | 10.3555% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,604 |
| Loan loss allowance to noncurrent loans | 186.3107% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3362% | 1,888 |
| Noncurrent loans to loans | 0.6731% | 1,487 |
| Net loans and leases to total assets | 49.3125% | 3,371 |
| Net loans and leases to deposits | 54.3325% | 3,574 |
| Net loans and leases to core deposits | 54.8463% | 3,699 |
| Total domestic deposits to total assets | 90.7605% | 600 |
| Equity capital to assets | 8.1909% | 4,239 |
| Core capital (leverage) ratio | 8.3025% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4856% | 2,052 |
| Memoranda: | ||
| Average total assets | $2,175,186,800 | 484 |
| Average earning assets | $2,080,221,200 | 472 |
| Average equity | $189,507,000 | 568 |
| Average total loans | $1,285,633,800 | 523 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3429% | 3,271 |
| Cost of funding earning assets | 0.0794% | 4,635 |
| Net interest margin | 3.2634% | 2,536 |
| Noninterest income to average assets | 0.6138% | 2,154 |
| Noninterest expense to average assets | 2.7462% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7153% | 3,731 |
| Return on assets (ROA) | 0.7412% | 3,735 |
| Pretax return on assets | 1.0176% | 3,402 |
| Return on Equity (ROE) | 8.3691% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.6217% | 2,173 |
| Net charge-offs to loans | -0.0165% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6036% | 1,249 |
| Assets per employee ($millions) | 8.8766% | 931 |
| Cash dividends to net income (ytd only)* | 8.9305% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 3,134 |
| Loan loss allowance to noncurrent loans | 189.9587% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 2,092 |
| Noncurrent loans to loans | 0.6138% | 1,777 |
| Net loans and leases to total assets | 54.4712% | 2,914 |
| Net loans and leases to deposits | 60.1294% | 3,215 |
| Net loans and leases to core deposits | 60.7443% | 3,424 |
| Total domestic deposits to total assets | 90.5901% | 514 |
| Equity capital to assets | 8.3206% | 4,324 |
| Core capital (leverage) ratio | 8.2972% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,131,168,000 | 496 |
| Average earning assets | $2,035,686,500 | 486 |
| Average equity | $188,736,500 | 577 |
| Average total loans | $1,313,494,500 | 526 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4493% | 3,030 |
| Cost of funding earning assets | 0.0842% | 4,674 |
| Net interest margin | 3.3651% | 2,257 |
| Noninterest income to average assets | 0.6140% | 2,156 |
| Noninterest expense to average assets | 2.7516% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7769% | 3,575 |
| Return on assets (ROA) | 0.8160% | 3,534 |
| Pretax return on assets | 1.1234% | 3,134 |
| Return on Equity (ROE) | 9.0140% | 3,093 |
| Retained earnings to average equity (ytd only) | 8.2560% | 1,991 |
| Net charge-offs to loans | -0.0495% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9270% | 1,443 |
| Assets per employee ($millions) | 8.8484% | 902 |
| Cash dividends to net income (ytd only)* | 8.4090% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,228 |
| Loan loss allowance to noncurrent loans | 180.1622% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 2,097 |
| Noncurrent loans to loans | 0.6348% | 1,823 |
| Net loans and leases to total assets | 58.8721% | 2,555 |
| Net loans and leases to deposits | 65.4118% | 2,872 |
| Net loans and leases to core deposits | 66.1491% | 3,096 |
| Total domestic deposits to total assets | 90.0022% | 774 |
| Equity capital to assets | 8.8120% | 3,964 |
| Core capital (leverage) ratio | 8.5089% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,078,169,000 | 511 |
| Average earning assets | $1,983,305,667 | 496 |
| Average equity | $188,130,000 | 573 |
| Average total loans | $1,330,593,000 | 527 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4028% | 3,187 |
| Cost of funding earning assets | 0.0903% | 4,703 |
| Net interest margin | 3.3124% | 2,351 |
| Noninterest income to average assets | 0.6101% | 2,165 |
| Noninterest expense to average assets | 2.7754% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7204% | 3,661 |
| Return on assets (ROA) | 0.7561% | 3,626 |
| Pretax return on assets | 1.0397% | 3,258 |
| Return on Equity (ROE) | 8.2346% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.4535% | 2,436 |
| Net charge-offs to loans | -0.0208% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6216% | 1,343 |
| Assets per employee ($millions) | 8.4189% | 1,021 |
| Cash dividends to net income (ytd only)* | 9.4852% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,593 |
| Loan loss allowance to noncurrent loans | 131.1777% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 1,788 |
| Noncurrent loans to loans | 0.8123% | 1,641 |
| Net loans and leases to total assets | 64.7793% | 1,944 |
| Net loans and leases to deposits | 72.1149% | 2,300 |
| Net loans and leases to core deposits | 73.0292% | 2,611 |
| Total domestic deposits to total assets | 89.8279% | 899 |
| Equity capital to assets | 8.7283% | 3,932 |
| Core capital (leverage) ratio | 8.8978% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,024,471,000 | 514 |
| Average earning assets | $1,931,139,500 | 501 |
| Average equity | $185,898,500 | 577 |
| Average total loans | $1,345,103,000 | 522 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 3,449 |
| Cost of funding earning assets | 0.1838% | 4,633 |
| Net interest margin | 3.5644% | 2,262 |
| Noninterest income to average assets | 0.6124% | 2,172 |
| Noninterest expense to average assets | 3.0621% | 1,300 |
| Loan and lease loss provision to assets | 0.0913% | 3,220 |
| Net operating income to assets | 0.6093% | 3,720 |
| Return on assets (ROA) | 0.6688% | 3,655 |
| Pretax return on assets | 0.9318% | 3,277 |
| Return on Equity (ROE) | 6.5772% | 3,378 |
| Retained earnings to average equity (ytd only) | 5.6403% | 1,974 |
| Net charge-offs to loans | 0.0112% | 2,924 |
| Credit loss provision to net charge-offs | 1,208.1481% | 681 |
| Earnings coverage of net charge-offs (x) | 125.4074% | 680 |
| Efficiency ratio | 76.3650% | 1,182 |
| Assets per employee ($millions) | 7.8735% | 1,080 |
| Cash dividends to net income (ytd only)* | 14.2451% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,437 |
| Loan loss allowance to noncurrent loans | 135.9645% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 1,910 |
| Noncurrent loans to loans | 0.8125% | 1,724 |
| Net loans and leases to total assets | 66.7330% | 1,989 |
| Net loans and leases to deposits | 75.1966% | 2,363 |
| Net loans and leases to core deposits | 76.4674% | 2,684 |
| Total domestic deposits to total assets | 88.7447% | 1,095 |
| Equity capital to assets | 9.6703% | 3,441 |
| Core capital (leverage) ratio | 9.0636% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,786,368,000 | 531 |
| Average earning assets | $1,702,705,600 | 513 |
| Average equity | $181,656,600 | 552 |
| Average total loans | $1,207,799,000 | 547 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 3,409 |
| Cost of funding earning assets | 0.2075% | 4,642 |
| Net interest margin | 3.6444% | 2,111 |
| Noninterest income to average assets | 0.6096% | 2,136 |
| Noninterest expense to average assets | 3.0342% | 1,365 |
| Loan and lease loss provision to assets | 0.1108% | 2,935 |
| Net operating income to assets | 0.6655% | 3,579 |
| Return on assets (ROA) | 0.7320% | 3,446 |
| Pretax return on assets | 1.0222% | 2,982 |
| Return on Equity (ROE) | 7.1007% | 3,156 |
| Retained earnings to average equity (ytd only) | 6.3061% | 1,972 |
| Net charge-offs to loans | -0.0085% | 4,184 |
| Credit loss provision to net charge-offs | -1,933.3333% | 4,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3127% | 1,380 |
| Assets per employee ($millions) | 7.7919% | 1,079 |
| Cash dividends to net income (ytd only)* | 11.1911% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,190 |
| Loan loss allowance to noncurrent loans | 142.3941% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 2,078 |
| Noncurrent loans to loans | 0.7751% | 1,878 |
| Net loans and leases to total assets | 69.3025% | 2,061 |
| Net loans and leases to deposits | 78.5289% | 2,474 |
| Net loans and leases to core deposits | 80.0393% | 2,838 |
| Total domestic deposits to total assets | 88.2509% | 1,086 |
| Equity capital to assets | 9.9369% | 3,284 |
| Core capital (leverage) ratio | 9.3498% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,744,800,500 | 535 |
| Average earning assets | $1,662,911,250 | 515 |
| Average equity | $179,864,500 | 550 |
| Average total loans | $1,180,346,500 | 544 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9701% | 3,400 |
| Cost of funding earning assets | 0.2435% | 4,642 |
| Net interest margin | 3.7266% | 2,064 |
| Noninterest income to average assets | 0.6046% | 2,111 |
| Noninterest expense to average assets | 2.9962% | 1,578 |
| Loan and lease loss provision to assets | 0.1414% | 2,599 |
| Net operating income to assets | 0.7184% | 3,328 |
| Return on assets (ROA) | 0.7883% | 3,193 |
| Pretax return on assets | 1.1041% | 2,696 |
| Return on Equity (ROE) | 7.5462% | 2,919 |
| Retained earnings to average equity (ytd only) | 6.7230% | 1,768 |
| Net charge-offs to loans | 0.0416% | 1,907 |
| Credit loss provision to net charge-offs | 508.4746% | 1,217 |
| Earnings coverage of net charge-offs (x) | 41.6186% | 1,222 |
| Efficiency ratio | 72.1425% | 1,661 |
| Assets per employee ($millions) | 7.8750% | 1,016 |
| Cash dividends to net income (ytd only)* | 10.9085% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 3,080 |
| Loan loss allowance to noncurrent loans | 129.5547% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 2,082 |
| Noncurrent loans to loans | 0.8468% | 1,796 |
| Net loans and leases to total assets | 67.1710% | 2,477 |
| Net loans and leases to deposits | 75.8103% | 2,893 |
| Net loans and leases to core deposits | 77.3450% | 3,167 |
| Total domestic deposits to total assets | 88.6040% | 906 |
| Equity capital to assets | 9.7186% | 3,448 |
| Core capital (leverage) ratio | 9.7859% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,697,856,333 | 538 |
| Average earning assets | $1,616,742,333 | 520 |
| Average equity | $177,361,667 | 551 |
| Average total loans | $1,133,337,000 | 554 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 3,541 |
| Cost of funding earning assets | 0.3400% | 4,548 |
| Net interest margin | 3.7524% | 2,133 |
| Noninterest income to average assets | 0.6557% | 1,816 |
| Noninterest expense to average assets | 3.2232% | 1,378 |
| Loan and lease loss provision to assets | 0.0996% | 2,439 |
| Net operating income to assets | 0.6259% | 3,530 |
| Return on assets (ROA) | 0.7115% | 3,316 |
| Pretax return on assets | 1.0074% | 2,822 |
| Return on Equity (ROE) | 6.5436% | 3,121 |
| Retained earnings to average equity (ytd only) | 5.7188% | 1,990 |
| Net charge-offs to loans | -0.0011% | 3,613 |
| Credit loss provision to net charge-offs | -13,333.3333% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3453% | 1,527 |
| Assets per employee ($millions) | 6.7350% | 1,218 |
| Cash dividends to net income (ytd only)* | 12.6050% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,423 |
| Loan loss allowance to noncurrent loans | 122.5043% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 1,950 |
| Noncurrent loans to loans | 1.0162% | 1,631 |
| Net loans and leases to total assets | 66.6239% | 2,746 |
| Net loans and leases to deposits | 77.7857% | 2,907 |
| Net loans and leases to core deposits | 80.0482% | 3,190 |
| Total domestic deposits to total assets | 85.6506% | 2,150 |
| Equity capital to assets | 10.9219% | 2,923 |
| Core capital (leverage) ratio | 10.6741% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,605,717,000 | 546 |
| Average earning assets | $1,526,064,500 | 523 |
| Average equity | $174,583,500 | 559 |
| Average total loans | $1,060,870,000 | 564 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 3,389 |
| Cost of funding earning assets | 0.4392% | 4,311 |
| Net interest margin | 3.9122% | 2,129 |
| Noninterest income to average assets | 0.6745% | 1,906 |
| Noninterest expense to average assets | 3.4296% | 1,064 |
| Loan and lease loss provision to assets | 0.0156% | 3,704 |
| Net operating income to assets | 0.6504% | 4,015 |
| Return on assets (ROA) | 0.6607% | 4,057 |
| Pretax return on assets | 0.9520% | 3,600 |
| Return on Equity (ROE) | 6.0457% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.6353% | 2,078 |
| Net charge-offs to loans | -0.0023% | 4,238 |
| Credit loss provision to net charge-offs | -1,043.4783% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2279% | 1,122 |
| Assets per employee ($millions) | 7.0241% | 1,028 |
| Cash dividends to net income (ytd only)* | 6.7887% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,142 |
| Loan loss allowance to noncurrent loans | 125.1821% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 1,961 |
| Noncurrent loans to loans | 1.0027% | 1,515 |
| Net loans and leases to total assets | 63.8658% | 3,218 |
| Net loans and leases to deposits | 72.7432% | 3,457 |
| Net loans and leases to core deposits | 75.0248% | 3,643 |
| Total domestic deposits to total assets | 87.7963% | 1,230 |
| Equity capital to assets | 10.8235% | 3,161 |
| Core capital (leverage) ratio | 10.6122% | 2,846 |
| Tier 1 risk-based capital ratio | 13.8059% | 3,361 |
| Total risk-based capital ratio | 14.9195% | 3,330 |
| Memoranda: | ||
| Average total assets | $1,538,362,800 | 541 |
| Average earning assets | $1,458,725,600 | 522 |
| Average equity | $168,119,600 | 549 |
| Average total loans | $989,790,400 | 580 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 3,268 |
| Cost of funding earning assets | 0.4457% | 4,345 |
| Net interest margin | 3.9839% | 2,003 |
| Noninterest income to average assets | 0.6741% | 1,895 |
| Noninterest expense to average assets | 3.3473% | 1,185 |
| Loan and lease loss provision to assets | 0.0210% | 3,494 |
| Net operating income to assets | 0.7498% | 3,852 |
| Return on assets (ROA) | 0.7435% | 3,932 |
| Pretax return on assets | 1.0714% | 3,370 |
| Return on Equity (ROE) | 6.7863% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.7463% | 1,985 |
| Net charge-offs to loans | -0.0042% | 4,162 |
| Credit loss provision to net charge-offs | -774.1935% | 4,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2602% | 1,422 |
| Assets per employee ($millions) | 6.6576% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.5896% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,036 |
| Loan loss allowance to noncurrent loans | 146.3270% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 2,266 |
| Noncurrent loans to loans | 0.8778% | 1,827 |
| Net loans and leases to total assets | 65.2994% | 3,144 |
| Net loans and leases to deposits | 74.7725% | 3,410 |
| Net loans and leases to core deposits | 77.2661% | 3,608 |
| Total domestic deposits to total assets | 87.3307% | 1,359 |
| Equity capital to assets | 11.3744% | 2,771 |
| Core capital (leverage) ratio | 10.6461% | 2,980 |
| Tier 1 risk-based capital ratio | 13.8427% | 3,404 |
| Total risk-based capital ratio | 14.9670% | 3,376 |
| Memoranda: | ||
| Average total assets | $1,520,825,250 | 549 |
| Average earning assets | $1,440,511,250 | 531 |
| Average equity | $166,625,250 | 556 |
| Average total loans | $977,150,750 | 588 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 3,404 |
| Cost of funding earning assets | 0.4214% | 4,427 |
| Net interest margin | 3.9526% | 2,089 |
| Noninterest income to average assets | 0.6543% | 1,898 |
| Noninterest expense to average assets | 3.2771% | 1,325 |
| Loan and lease loss provision to assets | 0.0317% | 3,195 |
| Net operating income to assets | 0.7525% | 3,818 |
| Return on assets (ROA) | 0.7660% | 3,832 |
| Pretax return on assets | 1.1066% | 3,215 |
| Return on Equity (ROE) | 7.0830% | 3,646 |
| Retained earnings to average equity (ytd only) | 7.0220% | 1,796 |
| Net charge-offs to loans | -0.0100% | 4,326 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5100% | 1,582 |
| Assets per employee ($millions) | 6.7966% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.8616% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 1,874 |
| Loan loss allowance to noncurrent loans | 160.7568% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 2,446 |
| Noncurrent loans to loans | 0.8300% | 1,930 |
| Net loans and leases to total assets | 62.7086% | 3,476 |
| Net loans and leases to deposits | 71.4598% | 3,725 |
| Net loans and leases to core deposits | 73.8399% | 3,901 |
| Total domestic deposits to total assets | 87.7537% | 1,222 |
| Equity capital to assets | 11.0640% | 2,983 |
| Core capital (leverage) ratio | 10.6913% | 2,897 |
| Tier 1 risk-based capital ratio | 13.9040% | 3,366 |
| Total risk-based capital ratio | 15.0534% | 3,318 |
| Memoranda: | ||
| Average total assets | $1,515,129,670 | 550 |
| Average earning assets | $1,435,098,000 | 536 |
| Average equity | $163,857,330 | 559 |
| Average total loans | $963,763,000 | 598 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 3,410 |
| Cost of funding earning assets | 0.3915% | 4,520 |
| Net interest margin | 3.9557% | 2,002 |
| Noninterest income to average assets | 0.6355% | 1,884 |
| Noninterest expense to average assets | 3.2244% | 1,438 |
| Loan and lease loss provision to assets | 0.0639% | 2,385 |
| Net operating income to assets | 0.7483% | 3,774 |
| Return on assets (ROA) | 0.7639% | 3,781 |
| Pretax return on assets | 1.1166% | 3,102 |
| Return on Equity (ROE) | 7.1480% | 3,617 |
| Retained earnings to average equity (ytd only) | 7.0233% | 2,031 |
| Net charge-offs to loans | -0.0029% | 3,920 |
| Credit loss provision to net charge-offs | -3,428.5714% | 4,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5282% | 1,812 |
| Assets per employee ($millions) | 6.6851% | 1,151 |
| Cash dividends to net income (ytd only)* | 1.7440% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,819 |
| Loan loss allowance to noncurrent loans | 166.5347% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 2,553 |
| Noncurrent loans to loans | 0.8184% | 2,009 |
| Net loans and leases to total assets | 62.4817% | 3,457 |
| Net loans and leases to deposits | 71.0076% | 3,690 |
| Net loans and leases to core deposits | 74.0040% | 3,796 |
| Total domestic deposits to total assets | 87.9930% | 1,340 |
| Equity capital to assets | 10.8157% | 3,031 |
| Core capital (leverage) ratio | 10.6325% | 2,911 |
| Tier 1 risk-based capital ratio | 13.9149% | 3,384 |
| Total risk-based capital ratio | 15.0827% | 3,348 |
| Memoranda: | ||
| Average total assets | $1,501,280,500 | 554 |
| Average earning assets | $1,423,178,500 | 536 |
| Average equity | $160,436,500 | 567 |
| Average total loans | $955,359,500 | 605 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,978 |
| Cost of funding earning assets | 0.1982% | 5,010 |
| Net interest margin | 4.1380% | 1,567 |
| Noninterest income to average assets | 0.6575% | 2,022 |
| Noninterest expense to average assets | 3.2626% | 1,412 |
| Loan and lease loss provision to assets | 0.0336% | 3,519 |
| Net operating income to assets | 1.4322% | 1,330 |
| Return on assets (ROA) | 1.4257% | 1,343 |
| Pretax return on assets | 1.2861% | 2,554 |
| Return on Equity (ROE) | 13.3347% | 1,221 |
| Retained earnings to average equity (ytd only) | 11.3649% | 388 |
| Net charge-offs to loans | -0.0360% | 4,873 |
| Credit loss provision to net charge-offs | -143.9394% | 4,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0990% | 2,033 |
| Assets per employee ($millions) | 6.7195% | 1,103 |
| Cash dividends to net income (ytd only)* | 14.7722% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,864 |
| Loan loss allowance to noncurrent loans | 147.0129% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 2,289 |
| Noncurrent loans to loans | 0.9127% | 1,757 |
| Net loans and leases to total assets | 63.0736% | 3,457 |
| Net loans and leases to deposits | 71.4917% | 3,711 |
| Net loans and leases to core deposits | 74.6793% | 3,808 |
| Total domestic deposits to total assets | 88.2250% | 1,197 |
| Equity capital to assets | 10.5560% | 3,122 |
| Core capital (leverage) ratio | 10.7684% | 2,770 |
| Tier 1 risk-based capital ratio | 13.8458% | 3,362 |
| Total risk-based capital ratio | 15.0114% | 3,336 |
| Memoranda: | ||
| Average total assets | $1,414,998,400 | 562 |
| Average earning assets | $1,344,306,400 | 548 |
| Average equity | $151,281,800 | 566 |
| Average total loans | $915,767,000 | 602 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 2,809 |
| Cost of funding earning assets | 0.1691% | 5,143 |
| Net interest margin | 4.1748% | 1,430 |
| Noninterest income to average assets | 0.6646% | 2,004 |
| Noninterest expense to average assets | 3.2770% | 1,350 |
| Loan and lease loss provision to assets | 0.0358% | 3,291 |
| Net operating income to assets | 1.6822% | 779 |
| Return on assets (ROA) | 1.6734% | 796 |
| Pretax return on assets | 1.3122% | 2,569 |
| Return on Equity (ROE) | 15.5995% | 767 |
| Retained earnings to average equity (ytd only) | 14.3369% | 217 |
| Net charge-offs to loans | -0.0665% | 5,038 |
| Credit loss provision to net charge-offs | -82.9646% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7200% | 2,086 |
| Assets per employee ($millions) | 6.1507% | 1,383 |
| Cash dividends to net income (ytd only)* | 8.0941% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 1,708 |
| Loan loss allowance to noncurrent loans | 383.7725% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 3,768 |
| Noncurrent loans to loans | 0.3643% | 3,341 |
| Net loans and leases to total assets | 64.7495% | 3,338 |
| Net loans and leases to deposits | 73.7780% | 3,612 |
| Net loans and leases to core deposits | 76.2128% | 3,783 |
| Total domestic deposits to total assets | 87.7626% | 1,356 |
| Equity capital to assets | 11.0204% | 2,642 |
| Core capital (leverage) ratio | 11.0152% | 2,562 |
| Tier 1 risk-based capital ratio | 13.6812% | 3,525 |
| Total risk-based capital ratio | 14.8474% | 3,479 |
| Memoranda: | ||
| Average total assets | $1,395,816,500 | 567 |
| Average earning assets | $1,327,077,250 | 553 |
| Average equity | $149,735,750 | 566 |
| Average total loans | $906,288,500 | 606 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 2,784 |
| Cost of funding earning assets | 0.1491% | 5,248 |
| Net interest margin | 4.1440% | 1,427 |
| Noninterest income to average assets | 0.6570% | 2,056 |
| Noninterest expense to average assets | 3.2686% | 1,392 |
| Loan and lease loss provision to assets | 0.0537% | 2,837 |
| Net operating income to assets | 1.8517% | 521 |
| Return on assets (ROA) | 1.8680% | 505 |
| Pretax return on assets | 1.2938% | 2,538 |
| Return on Equity (ROE) | 17.5737% | 469 |
| Retained earnings to average equity (ytd only) | 15.6621% | 172 |
| Net charge-offs to loans | -0.0950% | 5,144 |
| Credit loss provision to net charge-offs | -87.4126% | 4,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0592% | 2,151 |
| Assets per employee ($millions) | 6.2743% | 1,281 |
| Cash dividends to net income (ytd only)* | 10.8776% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,705 |
| Loan loss allowance to noncurrent loans | 304.0637% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 3,553 |
| Noncurrent loans to loans | 0.4651% | 3,040 |
| Net loans and leases to total assets | 64.0380% | 3,394 |
| Net loans and leases to deposits | 72.7745% | 3,651 |
| Net loans and leases to core deposits | 74.2816% | 3,862 |
| Total domestic deposits to total assets | 87.9951% | 1,383 |
| Equity capital to assets | 10.8428% | 2,789 |
| Core capital (leverage) ratio | 10.8121% | 2,683 |
| Tier 1 risk-based capital ratio | 13.1045% | 3,843 |
| Total risk-based capital ratio | 14.2569% | 3,809 |
| Memoranda: | ||
| Average total assets | $1,395,683,670 | 568 |
| Average earning assets | $1,327,933,000 | 554 |
| Average equity | $148,358,000 | 568 |
| Average total loans | $902,764,670 | 607 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 2,980 |
| Cost of funding earning assets | 0.1340% | 5,342 |
| Net interest margin | 4.0372% | 1,602 |
| Noninterest income to average assets | 0.6419% | 2,067 |
| Noninterest expense to average assets | 3.2373% | 1,484 |
| Loan and lease loss provision to assets | 0.0985% | 1,876 |
| Net operating income to assets | 2.7148% | 106 |
| Return on assets (ROA) | 2.7254% | 105 |
| Pretax return on assets | 1.1633% | 2,915 |
| Return on Equity (ROE) | 25.8981% | 78 |
| Retained earnings to average equity (ytd only) | 22.0402% | 75 |
| Net charge-offs to loans | -0.1659% | 5,334 |
| Credit loss provision to net charge-offs | -91.9786% | 3,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1248% | 2,175 |
| Assets per employee ($millions) | 6.4539% | 1,225 |
| Cash dividends to net income (ytd only)* | 14.8965% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,743 |
| Loan loss allowance to noncurrent loans | 211.1831% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 3,121 |
| Noncurrent loans to loans | 0.6753% | 2,526 |
| Net loans and leases to total assets | 62.7280% | 3,457 |
| Net loans and leases to deposits | 71.2468% | 3,679 |
| Net loans and leases to core deposits | 72.0538% | 3,954 |
| Total domestic deposits to total assets | 88.0433% | 1,593 |
| Equity capital to assets | 10.6732% | 2,890 |
| Core capital (leverage) ratio | 10.6066% | 2,846 |
| Tier 1 risk-based capital ratio | 12.8298% | 4,049 |
| Total risk-based capital ratio | 13.9819% | 3,991 |
| Memoranda: | ||
| Average total assets | $1,397,080,000 | 574 |
| Average earning assets | $1,331,108,500 | 554 |
| Average equity | $147,022,500 | 577 |
| Average total loans | $901,760,000 | 610 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,368 |
| Cost of funding earning assets | 0.1354% | 5,343 |
| Net interest margin | 4.1531% | 1,292 |
| Noninterest income to average assets | 0.6392% | 2,253 |
| Noninterest expense to average assets | 3.2480% | 1,511 |
| Loan and lease loss provision to assets | 0.0926% | 2,352 |
| Net operating income to assets | 1.2307% | 1,422 |
| Return on assets (ROA) | 1.2970% | 1,244 |
| Pretax return on assets | 1.3415% | 2,208 |
| Return on Equity (ROE) | 12.4623% | 1,089 |
| Retained earnings to average equity (ytd only) | 6.0813% | 1,494 |
| Net charge-offs to loans | 0.0455% | 2,874 |
| Credit loss provision to net charge-offs | 305.6235% | 921 |
| Earnings coverage of net charge-offs (x) | 45.0880% | 1,177 |
| Efficiency ratio | 70.3992% | 2,488 |
| Assets per employee ($millions) | 6.4224% | 1,252 |
| Cash dividends to net income (ytd only)* | 51.2020% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 2,154 |
| Loan loss allowance to noncurrent loans | 262.1338% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 3,560 |
| Noncurrent loans to loans | 0.5014% | 3,021 |
| Net loans and leases to total assets | 64.6007% | 3,281 |
| Net loans and leases to deposits | 73.1644% | 3,582 |
| Net loans and leases to core deposits | 73.9482% | 3,880 |
| Total domestic deposits to total assets | 88.2954% | 1,347 |
| Equity capital to assets | 10.3732% | 3,306 |
| Core capital (leverage) ratio | 10.2894% | 3,081 |
| Tier 1 risk-based capital ratio | 12.1863% | 4,404 |
| Total risk-based capital ratio | 13.2857% | 4,387 |
| Memoranda: | ||
| Average total assets | $1,350,295,800 | 571 |
| Average earning assets | $1,292,232,200 | 545 |
| Average equity | $140,528,200 | 579 |
| Average total loans | $898,070,600 | 588 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 2,431 |
| Cost of funding earning assets | 0.1365% | 5,389 |
| Net interest margin | 4.1148% | 1,356 |
| Noninterest income to average assets | 0.6363% | 2,277 |
| Noninterest expense to average assets | 3.2810% | 1,395 |
| Loan and lease loss provision to assets | 0.1244% | 1,737 |
| Net operating income to assets | 1.1343% | 1,936 |
| Return on assets (ROA) | 1.2175% | 1,648 |
| Pretax return on assets | 1.2590% | 2,669 |
| Return on Equity (ROE) | 11.6885% | 1,427 |
| Retained earnings to average equity (ytd only) | 5.5494% | 2,506 |
| Net charge-offs to loans | 0.0613% | 2,238 |
| Credit loss provision to net charge-offs | 304.1363% | 971 |
| Earnings coverage of net charge-offs (x) | 31.7175% | 1,501 |
| Efficiency ratio | 71.6590% | 2,252 |
| Assets per employee ($millions) | 6.1550% | 1,401 |
| Cash dividends to net income (ytd only)* | 52.5223% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,376 |
| Loan loss allowance to noncurrent loans | 198.1160% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 3,237 |
| Noncurrent loans to loans | 0.6537% | 2,749 |
| Net loans and leases to total assets | 67.7780% | 2,876 |
| Net loans and leases to deposits | 77.7809% | 3,189 |
| Net loans and leases to core deposits | 78.6466% | 3,575 |
| Total domestic deposits to total assets | 87.1397% | 1,803 |
| Equity capital to assets | 10.6564% | 3,206 |
| Core capital (leverage) ratio | 10.2313% | 3,277 |
| Tier 1 risk-based capital ratio | 11.6324% | 4,862 |
| Total risk-based capital ratio | 12.7027% | 4,878 |
| Memoranda: | ||
| Average total assets | $1,339,452,250 | 576 |
| Average earning assets | $1,283,305,500 | 550 |
| Average equity | $139,518,250 | 586 |
| Average total loans | $894,510,500 | 594 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,299 |
| Cost of funding earning assets | 0.1320% | 5,437 |
| Net interest margin | 4.1154% | 1,283 |
| Noninterest income to average assets | 0.6293% | 2,322 |
| Noninterest expense to average assets | 3.2823% | 1,404 |
| Loan and lease loss provision to assets | 0.1347% | 1,549 |
| Net operating income to assets | 1.1158% | 1,902 |
| Return on assets (ROA) | 1.2116% | 1,596 |
| Pretax return on assets | 1.2527% | 2,570 |
| Return on Equity (ROE) | 11.7226% | 1,381 |
| Retained earnings to average equity (ytd only) | 4.7718% | 2,869 |
| Net charge-offs to loans | -0.0043% | 4,304 |
| Credit loss provision to net charge-offs | -4,736.8421% | 5,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8083% | 2,381 |
| Assets per employee ($millions) | 6.2072% | 1,317 |
| Cash dividends to net income (ytd only)* | 59.2936% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 2,268 |
| Loan loss allowance to noncurrent loans | 182.6824% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 3,124 |
| Noncurrent loans to loans | 0.7288% | 2,564 |
| Net loans and leases to total assets | 66.3965% | 3,046 |
| Net loans and leases to deposits | 75.9395% | 3,352 |
| Net loans and leases to core deposits | 76.8296% | 3,693 |
| Total domestic deposits to total assets | 87.4334% | 1,754 |
| Equity capital to assets | 10.4266% | 3,435 |
| Core capital (leverage) ratio | 10.0494% | 3,480 |
| Tier 1 risk-based capital ratio | 11.3922% | 5,021 |
| Total risk-based capital ratio | 12.4668% | 5,025 |
| Memoranda: | ||
| Average total assets | $1,336,624,670 | 581 |
| Average earning assets | $1,280,165,670 | 554 |
| Average equity | $138,143,670 | 589 |
| Average total loans | $884,150,000 | 604 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 1,838 |
| Cost of funding earning assets | 0.1283% | 5,504 |
| Net interest margin | 4.2156% | 958 |
| Noninterest income to average assets | 0.6237% | 2,302 |
| Noninterest expense to average assets | 3.2620% | 1,450 |
| Loan and lease loss provision to assets | 0.1352% | 1,418 |
| Net operating income to assets | 1.2208% | 1,460 |
| Return on assets (ROA) | 1.3804% | 1,070 |
| Pretax return on assets | 1.4270% | 1,780 |
| Return on Equity (ROE) | 13.4166% | 921 |
| Retained earnings to average equity (ytd only) | 8.0792% | 1,427 |
| Net charge-offs to loans | -0.0055% | 4,215 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0064% | 2,890 |
| Assets per employee ($millions) | 6.6287% | 1,116 |
| Cash dividends to net income (ytd only)* | 39.7824% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,422 |
| Loan loss allowance to noncurrent loans | 207.2653% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 3,492 |
| Noncurrent loans to loans | 0.6385% | 2,912 |
| Net loans and leases to total assets | 65.3039% | 3,076 |
| Net loans and leases to deposits | 74.4148% | 3,364 |
| Net loans and leases to core deposits | 75.1995% | 3,722 |
| Total domestic deposits to total assets | 87.7566% | 1,859 |
| Equity capital to assets | 10.4437% | 3,243 |
| Core capital (leverage) ratio | 10.1661% | 3,293 |
| Tier 1 risk-based capital ratio | 11.6360% | 4,958 |
| Total risk-based capital ratio | 12.6982% | 4,960 |
| Memoranda: | ||
| Average total assets | $1,331,455,000 | 583 |
| Average earning assets | $1,274,683,000 | 559 |
| Average equity | $136,994,500 | 590 |
| Average total loans | $873,022,500 | 613 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,003 |
| Cost of funding earning assets | 0.1271% | 5,575 |
| Net interest margin | 3.9292% | 1,860 |
| Noninterest income to average assets | 0.6596% | 2,373 |
| Noninterest expense to average assets | 3.2510% | 1,683 |
| Loan and lease loss provision to assets | 0.0546% | 3,287 |
| Net operating income to assets | 1.0725% | 2,027 |
| Return on assets (ROA) | 1.1345% | 1,846 |
| Pretax return on assets | 1.1726% | 2,789 |
| Return on Equity (ROE) | 10.6276% | 1,721 |
| Retained earnings to average equity (ytd only) | 6.2720% | 1,574 |
| Net charge-offs to loans | 0.0110% | 3,900 |
| Credit loss provision to net charge-offs | 823.5294% | 447 |
| Earnings coverage of net charge-offs (x) | 175.6000% | 371 |
| Efficiency ratio | 73.6476% | 2,334 |
| Assets per employee ($millions) | 6.4912% | 1,162 |
| Cash dividends to net income (ytd only)* | 40.9837% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,634 |
| Loan loss allowance to noncurrent loans | 222.4461% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,780 |
| Noncurrent loans to loans | 0.5770% | 3,113 |
| Net loans and leases to total assets | 64.1299% | 3,343 |
| Net loans and leases to deposits | 72.9412% | 3,621 |
| Net loans and leases to core deposits | 73.7629% | 3,940 |
| Total domestic deposits to total assets | 87.9199% | 1,669 |
| Equity capital to assets | 10.1357% | 3,566 |
| Core capital (leverage) ratio | 10.0124% | 3,467 |
| Tier 1 risk-based capital ratio | 11.3851% | 5,124 |
| Total risk-based capital ratio | 12.4062% | 5,141 |
| Memoranda: | ||
| Average total assets | $1,283,116,000 | 576 |
| Average earning assets | $1,226,118,600 | 553 |
| Average equity | $136,973,800 | 579 |
| Average total loans | $770,208,200 | 653 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 3,130 |
| Cost of funding earning assets | 0.1268% | 5,643 |
| Net interest margin | 3.8970% | 1,985 |
| Noninterest income to average assets | 0.6692% | 2,318 |
| Noninterest expense to average assets | 3.2836% | 1,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0702% | 2,120 |
| Return on assets (ROA) | 1.1518% | 1,898 |
| Pretax return on assets | 1.1904% | 2,871 |
| Return on Equity (ROE) | 10.6482% | 1,807 |
| Retained earnings to average equity (ytd only) | 6.1765% | 2,074 |
| Net charge-offs to loans | -0.0050% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7996% | 2,145 |
| Assets per employee ($millions) | 6.4387% | 1,146 |
| Cash dividends to net income (ytd only)* | 41.9949% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 2,557 |
| Loan loss allowance to noncurrent loans | 344.9673% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 4,504 |
| Noncurrent loans to loans | 0.3838% | 3,883 |
| Net loans and leases to total assets | 60.4866% | 3,818 |
| Net loans and leases to deposits | 69.0689% | 4,056 |
| Net loans and leases to core deposits | 69.8778% | 4,337 |
| Total domestic deposits to total assets | 87.5742% | 1,628 |
| Equity capital to assets | 11.1208% | 2,894 |
| Core capital (leverage) ratio | 10.1196% | 3,414 |
| Tier 1 risk-based capital ratio | 11.9400% | 4,826 |
| Total risk-based capital ratio | 12.9743% | 4,868 |
| Memoranda: | ||
| Average total assets | $1,269,600,250 | 581 |
| Average earning assets | $1,212,160,750 | 556 |
| Average equity | $137,334,000 | 576 |
| Average total loans | $745,590,250 | 670 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 3,318 |
| Cost of funding earning assets | 0.1269% | 5,718 |
| Net interest margin | 3.8501% | 2,137 |
| Noninterest income to average assets | 0.6415% | 2,410 |
| Noninterest expense to average assets | 3.2529% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0294% | 2,254 |
| Return on assets (ROA) | 1.1454% | 1,905 |
| Pretax return on assets | 1.1837% | 2,848 |
| Return on Equity (ROE) | 10.6924% | 1,765 |
| Retained earnings to average equity (ytd only) | 6.5427% | 1,854 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3504% | 2,172 |
| Assets per employee ($millions) | 6.0231% | 1,380 |
| Cash dividends to net income (ytd only)* | 38.8103% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 2,295 |
| Loan loss allowance to noncurrent loans | 315.3984% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 3,949 |
| Noncurrent loans to loans | 0.4439% | 3,780 |
| Net loans and leases to total assets | 58.0663% | 4,107 |
| Net loans and leases to deposits | 67.5391% | 4,221 |
| Net loans and leases to core deposits | 68.3316% | 4,447 |
| Total domestic deposits to total assets | 85.9744% | 2,433 |
| Equity capital to assets | 11.2131% | 2,833 |
| Core capital (leverage) ratio | 10.0507% | 3,511 |
| Tier 1 risk-based capital ratio | 12.1239% | 4,757 |
| Total risk-based capital ratio | 13.1877% | 4,782 |
| Memoranda: | ||
| Average total assets | $1,259,261,000 | 585 |
| Average earning assets | $1,202,137,000 | 560 |
| Average equity | $134,899,000 | 588 |
| Average total loans | $728,368,670 | 689 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 3,374 |
| Cost of funding earning assets | 0.1243% | 5,791 |
| Net interest margin | 3.8325% | 2,168 |
| Noninterest income to average assets | 0.5972% | 2,552 |
| Noninterest expense to average assets | 3.2574% | 1,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9665% | 2,427 |
| Return on assets (ROA) | 1.1471% | 1,836 |
| Pretax return on assets | 1.1852% | 2,762 |
| Return on Equity (ROE) | 10.9698% | 1,610 |
| Retained earnings to average equity (ytd only) | 6.3384% | 2,214 |
| Net charge-offs to loans | -0.0022% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5294% | 2,102 |
| Assets per employee ($millions) | 5.9320% | 1,456 |
| Cash dividends to net income (ytd only)* | 42.2197% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 2,164 |
| Loan loss allowance to noncurrent loans | 169.8436% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6191% | 3,205 |
| Noncurrent loans to loans | 0.8587% | 2,703 |
| Net loans and leases to total assets | 56.5842% | 4,188 |
| Net loans and leases to deposits | 64.3334% | 4,412 |
| Net loans and leases to core deposits | 65.1278% | 4,611 |
| Total domestic deposits to total assets | 87.9546% | 1,662 |
| Equity capital to assets | 10.7993% | 3,163 |
| Core capital (leverage) ratio | 9.9735% | 3,567 |
| Tier 1 risk-based capital ratio | 11.9881% | 4,923 |
| Total risk-based capital ratio | 13.0601% | 4,942 |
| Memoranda: | ||
| Average total assets | $1,250,443,000 | 584 |
| Average earning assets | $1,193,908,000 | 562 |
| Average equity | $130,758,500 | 612 |
| Average total loans | $716,565,500 | 696 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 3,383 |
| Cost of funding earning assets | 0.1308% | 5,808 |
| Net interest margin | 3.8487% | 2,205 |
| Noninterest income to average assets | 0.6112% | 2,664 |
| Noninterest expense to average assets | 3.1378% | 2,123 |
| Loan and lease loss provision to assets | -0.1420% | 5,914 |
| Net operating income to assets | 1.2268% | 1,463 |
| Return on assets (ROA) | 1.3135% | 1,286 |
| Pretax return on assets | 1.3584% | 2,077 |
| Return on Equity (ROE) | 12.7264% | 1,119 |
| Retained earnings to average equity (ytd only) | 7.4584% | 1,110 |
| Net charge-offs to loans | -0.1468% | 5,890 |
| Credit loss provision to net charge-offs | 177.1370% | 1,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5760% | 2,645 |
| Assets per employee ($millions) | 5.8647% | 1,489 |
| Cash dividends to net income (ytd only)* | 41.3943% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 2,101 |
| Loan loss allowance to noncurrent loans | 159.1775% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 3,066 |
| Noncurrent loans to loans | 0.9302% | 2,476 |
| Net loans and leases to total assets | 56.3401% | 4,267 |
| Net loans and leases to deposits | 63.6134% | 4,499 |
| Net loans and leases to core deposits | 64.5418% | 4,704 |
| Total domestic deposits to total assets | 88.5663% | 1,344 |
| Equity capital to assets | 10.1107% | 3,852 |
| Core capital (leverage) ratio | 9.9431% | 3,586 |
| Tier 1 risk-based capital ratio | 11.9299% | 4,999 |
| Total risk-based capital ratio | 13.0144% | 5,016 |
| Memoranda: | ||
| Average total assets | $1,211,085,000 | 582 |
| Average earning assets | $1,149,689,600 | 556 |
| Average equity | $124,999,600 | 608 |
| Average total loans | $661,619,600 | 714 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,541 |
| Cost of funding earning assets | 0.1317% | 5,907 |
| Net interest margin | 3.8187% | 2,310 |
| Noninterest income to average assets | 0.6382% | 2,537 |
| Noninterest expense to average assets | 3.1418% | 2,110 |
| Loan and lease loss provision to assets | -0.1629% | 6,070 |
| Net operating income to assets | 1.2389% | 1,530 |
| Return on assets (ROA) | 1.3550% | 1,265 |
| Pretax return on assets | 1.4000% | 2,014 |
| Return on Equity (ROE) | 13.0593% | 1,111 |
| Retained earnings to average equity (ytd only) | 8.0325% | 1,232 |
| Net charge-offs to loans | -0.1832% | 5,972 |
| Credit loss provision to net charge-offs | 164.7982% | 1,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7653% | 2,598 |
| Assets per employee ($millions) | 5.9111% | 1,438 |
| Cash dividends to net income (ytd only)* | 38.4917% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 1,908 |
| Loan loss allowance to noncurrent loans | 162.4013% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 3,243 |
| Noncurrent loans to loans | 0.9637% | 2,576 |
| Net loans and leases to total assets | 55.2607% | 4,434 |
| Net loans and leases to deposits | 62.9273% | 4,650 |
| Net loans and leases to core deposits | 64.2355% | 4,801 |
| Total domestic deposits to total assets | 87.8168% | 1,652 |
| Equity capital to assets | 10.5828% | 3,504 |
| Core capital (leverage) ratio | 9.9173% | 3,747 |
| Tier 1 risk-based capital ratio | 12.1632% | 4,987 |
| Total risk-based capital ratio | 13.3027% | 4,963 |
| Memoranda: | ||
| Average total assets | $1,203,028,750 | 590 |
| Average earning assets | $1,140,730,500 | 567 |
| Average equity | $124,822,750 | 609 |
| Average total loans | $649,272,000 | 726 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 3,668 |
| Cost of funding earning assets | 0.1308% | 5,982 |
| Net interest margin | 3.7737% | 2,426 |
| Noninterest income to average assets | 0.6216% | 2,623 |
| Noninterest expense to average assets | 3.1764% | 2,045 |
| Loan and lease loss provision to assets | -0.2036% | 6,183 |
| Net operating income to assets | 1.1844% | 1,654 |
| Return on assets (ROA) | 1.3496% | 1,236 |
| Pretax return on assets | 1.3960% | 1,995 |
| Return on Equity (ROE) | 13.0957% | 1,093 |
| Retained earnings to average equity (ytd only) | 8.0486% | 1,247 |
| Net charge-offs to loans | -0.2935% | 6,116 |
| Credit loss provision to net charge-offs | 130.3419% | 1,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6560% | 2,419 |
| Assets per employee ($millions) | 6.0874% | 1,287 |
| Cash dividends to net income (ytd only)* | 38.5405% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 1,712 |
| Loan loss allowance to noncurrent loans | 144.4736% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 3,098 |
| Noncurrent loans to loans | 1.1497% | 2,350 |
| Net loans and leases to total assets | 53.9984% | 4,556 |
| Net loans and leases to deposits | 61.2716% | 4,751 |
| Net loans and leases to core deposits | 62.3672% | 4,916 |
| Total domestic deposits to total assets | 88.1295% | 1,583 |
| Equity capital to assets | 10.0835% | 3,941 |
| Core capital (leverage) ratio | 9.9019% | 3,737 |
| Tier 1 risk-based capital ratio | 12.1313% | 5,055 |
| Total risk-based capital ratio | 13.3226% | 4,989 |
| Memoranda: | ||
| Average total assets | $1,198,143,670 | 587 |
| Average earning assets | $1,135,658,000 | 567 |
| Average equity | $123,475,330 | 618 |
| Average total loans | $637,829,330 | 736 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,858 |
| Cost of funding earning assets | 0.1310% | 6,055 |
| Net interest margin | 3.7095% | 2,587 |
| Noninterest income to average assets | 0.6091% | 2,596 |
| Noninterest expense to average assets | 3.2223% | 1,924 |
| Loan and lease loss provision to assets | -0.0837% | 6,191 |
| Net operating income to assets | 0.9458% | 2,530 |
| Return on assets (ROA) | 1.2751% | 1,432 |
| Pretax return on assets | 1.3186% | 2,204 |
| Return on Equity (ROE) | 12.2400% | 1,283 |
| Retained earnings to average equity (ytd only) | 8.3218% | 1,447 |
| Net charge-offs to loans | -0.0467% | 5,484 |
| Credit loss provision to net charge-offs | 342.4658% | 739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2549% | 2,149 |
| Assets per employee ($millions) | 6.0553% | 1,369 |
| Cash dividends to net income (ytd only)* | 32.0116% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 1,670 |
| Loan loss allowance to noncurrent loans | 140.2932% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 3,127 |
| Noncurrent loans to loans | 1.2316% | 2,317 |
| Net loans and leases to total assets | 52.6546% | 4,595 |
| Net loans and leases to deposits | 59.6565% | 4,769 |
| Net loans and leases to core deposits | 60.6945% | 4,938 |
| Total domestic deposits to total assets | 88.2630% | 1,680 |
| Equity capital to assets | 10.5816% | 3,451 |
| Core capital (leverage) ratio | 9.8451% | 3,830 |
| Tier 1 risk-based capital ratio | 12.0824% | 5,183 |
| Total risk-based capital ratio | 13.3046% | 5,104 |
| Memoranda: | ||
| Average total assets | $1,194,560,500 | 587 |
| Average earning assets | $1,129,850,000 | 567 |
| Average equity | $124,444,500 | 614 |
| Average total loans | $625,823,500 | 746 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 4,294 |
| Cost of funding earning assets | 0.1505% | 6,100 |
| Net interest margin | 3.7055% | 2,989 |
| Noninterest income to average assets | 0.7409% | 2,121 |
| Noninterest expense to average assets | 3.3347% | 1,837 |
| Loan and lease loss provision to assets | -0.1765% | 6,266 |
| Net operating income to assets | 1.0033% | 2,365 |
| Return on assets (ROA) | 1.1565% | 1,812 |
| Pretax return on assets | 1.1967% | 2,665 |
| Return on Equity (ROE) | 11.4184% | 1,586 |
| Retained earnings to average equity (ytd only) | 7.0652% | 1,377 |
| Net charge-offs to loans | 0.0511% | 3,806 |
| Credit loss provision to net charge-offs | -694.4444% | 5,849 |
| Earnings coverage of net charge-offs (x) | 33.9306% | 1,221 |
| Efficiency ratio | 79.4555% | 2,008 |
| Assets per employee ($millions) | 6.1034% | 1,311 |
| Cash dividends to net income (ytd only)* | 38.1247% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8510% | 1,423 |
| Loan loss allowance to noncurrent loans | 259.0032% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 2,531 |
| Noncurrent loans to loans | 0.7147% | 3,535 |
| Net loans and leases to total assets | 50.2422% | 4,947 |
| Net loans and leases to deposits | 56.7610% | 5,134 |
| Net loans and leases to core deposits | 57.7767% | 5,270 |
| Total domestic deposits to total assets | 88.5152% | 1,521 |
| Equity capital to assets | 10.2523% | 3,788 |
| Core capital (leverage) ratio | 9.6824% | 3,998 |
| Tier 1 risk-based capital ratio | 12.7403% | 4,897 |
| Total risk-based capital ratio | 13.9913% | 4,801 |
| Memoranda: | ||
| Average total assets | $1,133,327,800 | 593 |
| Average earning assets | $1,057,029,600 | 579 |
| Average equity | $114,788,200 | 633 |
| Average total loans | $563,600,200 | 792 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8327% | 4,428 |
| Cost of funding earning assets | 0.1561% | 6,147 |
| Net interest margin | 3.6767% | 3,124 |
| Noninterest income to average assets | 0.7626% | 2,042 |
| Noninterest expense to average assets | 3.3353% | 1,829 |
| Loan and lease loss provision to assets | -0.1787% | 6,369 |
| Net operating income to assets | 0.9918% | 2,487 |
| Return on assets (ROA) | 1.1679% | 1,871 |
| Pretax return on assets | 1.2089% | 2,740 |
| Return on Equity (ROE) | 11.5687% | 1,601 |
| Retained earnings to average equity (ytd only) | 7.5480% | 1,561 |
| Net charge-offs to loans | 0.0939% | 2,869 |
| Credit loss provision to net charge-offs | -385.6041% | 5,696 |
| Earnings coverage of net charge-offs (x) | 18.3112% | 1,850 |
| Efficiency ratio | 79.7170% | 1,961 |
| Assets per employee ($millions) | 5.9233% | 1,391 |
| Cash dividends to net income (ytd only)* | 34.7546% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 1,355 |
| Loan loss allowance to noncurrent loans | 250.2357% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 2,616 |
| Noncurrent loans to loans | 0.7790% | 3,632 |
| Net loans and leases to total assets | 50.5858% | 4,936 |
| Net loans and leases to deposits | 57.0264% | 5,173 |
| Net loans and leases to core deposits | 58.0429% | 5,330 |
| Total domestic deposits to total assets | 88.7060% | 1,399 |
| Equity capital to assets | 10.1112% | 4,039 |
| Core capital (leverage) ratio | 9.6120% | 4,220 |
| Tier 1 risk-based capital ratio | 12.8721% | 4,936 |
| Total risk-based capital ratio | 14.1242% | 4,851 |
| Memoranda: | ||
| Average total assets | $1,119,117,750 | 601 |
| Average earning assets | $1,041,388,250 | 587 |
| Average equity | $112,980,250 | 644 |
| Average total loans | $552,189,500 | 799 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8688% | 4,266 |
| Cost of funding earning assets | 0.1624% | 6,177 |
| Net interest margin | 3.7064% | 2,939 |
| Noninterest income to average assets | 0.6513% | 2,535 |
| Noninterest expense to average assets | 3.3177% | 1,876 |
| Loan and lease loss provision to assets | -0.1810% | 6,454 |
| Net operating income to assets | 0.9227% | 2,692 |
| Return on assets (ROA) | 1.0188% | 2,319 |
| Pretax return on assets | 1.0543% | 3,263 |
| Return on Equity (ROE) | 10.0976% | 2,110 |
| Retained earnings to average equity (ytd only) | 6.2971% | 2,157 |
| Net charge-offs to loans | 0.1413% | 2,257 |
| Credit loss provision to net charge-offs | -263.8522% | 5,444 |
| Earnings coverage of net charge-offs (x) | 11.2876% | 2,172 |
| Efficiency ratio | 81.0800% | 1,867 |
| Assets per employee ($millions) | 5.8144% | 1,409 |
| Cash dividends to net income (ytd only)* | 37.6377% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2557% | 946 |
| Loan loss allowance to noncurrent loans | 266.1861% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 1.7262% | 1,888 |
| Noncurrent loans to loans | 0.8474% | 3,584 |
| Net loans and leases to total assets | 45.8670% | 5,369 |
| Net loans and leases to deposits | 51.7176% | 5,514 |
| Net loans and leases to core deposits | 52.7520% | 5,626 |
| Total domestic deposits to total assets | 88.6874% | 1,544 |
| Equity capital to assets | 10.2101% | 3,810 |
| Core capital (leverage) ratio | 9.7046% | 4,032 |
| Tier 1 risk-based capital ratio | 12.7664% | 5,058 |
| Total risk-based capital ratio | 14.0196% | 4,993 |
| Memoranda: | ||
| Average total assets | $1,105,171,000 | 609 |
| Average earning assets | $1,025,895,000 | 597 |
| Average equity | $111,511,330 | 646 |
| Average total loans | $536,600,670 | 813 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 3,976 |
| Cost of funding earning assets | 0.1702% | 6,230 |
| Net interest margin | 3.7581% | 2,647 |
| Noninterest income to average assets | 0.6654% | 2,371 |
| Noninterest expense to average assets | 3.3456% | 1,840 |
| Loan and lease loss provision to assets | -0.1848% | 6,558 |
| Net operating income to assets | 0.9571% | 2,375 |
| Return on assets (ROA) | 1.0557% | 2,054 |
| Pretax return on assets | 1.0923% | 2,943 |
| Return on Equity (ROE) | 10.5296% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.6547% | 2,209 |
| Net charge-offs to loans | 0.3762% | 962 |
| Credit loss provision to net charge-offs | -99.4036% | 4,835 |
| Earnings coverage of net charge-offs (x) | 4.3340% | 2,540 |
| Efficiency ratio | 80.5894% | 2,119 |
| Assets per employee ($millions) | 5.5313% | 1,679 |
| Cash dividends to net income (ytd only)* | 36.7997% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3462% | 972 |
| Loan loss allowance to noncurrent loans | 141.4480% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 2.2187% | 1,492 |
| Noncurrent loans to loans | 1.6587% | 2,335 |
| Net loans and leases to total assets | 47.9824% | 5,135 |
| Net loans and leases to deposits | 54.1106% | 5,274 |
| Net loans and leases to core deposits | 55.3162% | 5,411 |
| Total domestic deposits to total assets | 88.6747% | 1,851 |
| Equity capital to assets | 10.2118% | 3,582 |
| Core capital (leverage) ratio | 9.8608% | 3,774 |
| Tier 1 risk-based capital ratio | 12.6903% | 5,193 |
| Total risk-based capital ratio | 13.9442% | 5,129 |
| Memoranda: | ||
| Average total assets | $1,082,126,000 | 626 |
| Average earning assets | $1,003,813,000 | 609 |
| Average equity | $108,494,500 | 670 |
| Average total loans | $534,783,500 | 820 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1415% | 3,574 |
| Cost of funding earning assets | 0.1959% | 6,313 |
| Net interest margin | 3.9456% | 2,116 |
| Noninterest income to average assets | 0.6433% | 2,844 |
| Noninterest expense to average assets | 3.1964% | 2,430 |
| Loan and lease loss provision to assets | -0.0933% | 6,472 |
| Net operating income to assets | 1.2015% | 1,560 |
| Return on assets (ROA) | 1.2309% | 1,514 |
| Pretax return on assets | 1.2744% | 2,252 |
| Return on Equity (ROE) | 11.8912% | 1,452 |
| Retained earnings to average equity (ytd only) | 5.9709% | 1,995 |
| Net charge-offs to loans | -0.9221% | 6,758 |
| Credit loss provision to net charge-offs | 20.2184% | 4,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5293% | 3,209 |
| Assets per employee ($millions) | 5.3729% | 1,774 |
| Cash dividends to net income (ytd only)* | 49.7877% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5395% | 789 |
| Loan loss allowance to noncurrent loans | 136.3043% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 2.3495% | 1,484 |
| Noncurrent loans to loans | 1.8631% | 2,152 |
| Net loans and leases to total assets | 48.4458% | 5,244 |
| Net loans and leases to deposits | 54.6942% | 5,410 |
| Net loans and leases to core deposits | 56.0004% | 5,536 |
| Total domestic deposits to total assets | 88.5758% | 1,871 |
| Equity capital to assets | 9.8377% | 3,977 |
| Core capital (leverage) ratio | 9.6741% | 4,020 |
| Tier 1 risk-based capital ratio | 12.8752% | 5,062 |
| Total risk-based capital ratio | 14.1311% | 5,008 |
| Memoranda: | ||
| Average total assets | $1,071,420,000 | 614 |
| Average earning assets | $1,005,775,000 | 596 |
| Average equity | $110,905,400 | 635 |
| Average total loans | $536,396,000 | 785 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 3,563 |
| Cost of funding earning assets | 0.2020% | 6,393 |
| Net interest margin | 3.9494% | 2,116 |
| Noninterest income to average assets | 0.6553% | 2,853 |
| Noninterest expense to average assets | 3.1833% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1467% | 1,828 |
| Return on assets (ROA) | 1.2900% | 1,443 |
| Pretax return on assets | 1.3363% | 2,188 |
| Return on Equity (ROE) | 12.3095% | 1,391 |
| Retained earnings to average equity (ytd only) | 7.2616% | 1,762 |
| Net charge-offs to loans | -1.0295% | 6,833 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8158% | 3,259 |
| Assets per employee ($millions) | 5.6772% | 1,474 |
| Cash dividends to net income (ytd only)* | 41.0078% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4483% | 992 |
| Loan loss allowance to noncurrent loans | 113.2642% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.8159% | 2,251 |
| Noncurrent loans to loans | 2.1616% | 2,049 |
| Net loans and leases to total assets | 50.5794% | 5,065 |
| Net loans and leases to deposits | 57.1519% | 5,267 |
| Net loans and leases to core deposits | 58.6092% | 5,398 |
| Total domestic deposits to total assets | 88.5000% | 1,835 |
| Equity capital to assets | 9.9683% | 3,942 |
| Core capital (leverage) ratio | 9.6620% | 4,155 |
| Tier 1 risk-based capital ratio | 12.7407% | 5,301 |
| Total risk-based capital ratio | 13.9968% | 5,237 |
| Memoranda: | ||
| Average total assets | $1,070,629,500 | 620 |
| Average earning assets | $1,007,477,500 | 593 |
| Average equity | $112,203,250 | 635 |
| Average total loans | $536,956,250 | 783 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8947% | 4,501 |
| Cost of funding earning assets | 0.2092% | 6,427 |
| Net interest margin | 3.6855% | 3,011 |
| Noninterest income to average assets | 0.6568% | 2,876 |
| Noninterest expense to average assets | 3.1908% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8963% | 2,817 |
| Return on assets (ROA) | 1.0395% | 2,277 |
| Pretax return on assets | 1.0767% | 3,189 |
| Return on Equity (ROE) | 9.7575% | 2,293 |
| Retained earnings to average equity (ytd only) | 5.0663% | 3,009 |
| Net charge-offs to loans | -1.2207% | 6,878 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4499% | 2,552 |
| Assets per employee ($millions) | 5.8964% | 1,279 |
| Cash dividends to net income (ytd only)* | 48.0780% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3866% | 1,108 |
| Loan loss allowance to noncurrent loans | 98.5953% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.9736% | 2,185 |
| Noncurrent loans to loans | 2.4206% | 1,934 |
| Net loans and leases to total assets | 48.9554% | 5,227 |
| Net loans and leases to deposits | 55.2578% | 5,411 |
| Net loans and leases to core deposits | 56.7617% | 5,541 |
| Total domestic deposits to total assets | 88.5944% | 1,855 |
| Equity capital to assets | 9.9143% | 4,026 |
| Core capital (leverage) ratio | 9.6736% | 3,978 |
| Tier 1 risk-based capital ratio | 12.7263% | 5,342 |
| Total risk-based capital ratio | 13.9818% | 5,272 |
| Memoranda: | ||
| Average total assets | $1,066,055,000 | 622 |
| Average earning assets | $1,001,717,670 | 600 |
| Average equity | $113,573,670 | 630 |
| Average total loans | $528,533,670 | 787 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9245% | 4,388 |
| Cost of funding earning assets | 0.2185% | 6,487 |
| Net interest margin | 3.7060% | 2,827 |
| Noninterest income to average assets | 0.7605% | 2,293 |
| Noninterest expense to average assets | 3.2180% | 2,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9750% | 2,336 |
| Return on assets (ROA) | 1.0707% | 2,073 |
| Pretax return on assets | 1.1087% | 2,924 |
| Return on Equity (ROE) | 9.7095% | 2,188 |
| Retained earnings to average equity (ytd only) | 4.3153% | 3,640 |
| Net charge-offs to loans | -1.9439% | 6,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1108% | 2,904 |
| Assets per employee ($millions) | 5.9050% | 1,333 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3243% | 1,370 |
| Loan loss allowance to noncurrent loans | 94.5070% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 2.0342% | 2,299 |
| Noncurrent loans to loans | 2.4594% | 2,091 |
| Net loans and leases to total assets | 48.0929% | 5,216 |
| Net loans and leases to deposits | 55.1085% | 5,338 |
| Net loans and leases to core deposits | 56.6416% | 5,458 |
| Total domestic deposits to total assets | 87.2694% | 2,775 |
| Equity capital to assets | 10.9978% | 2,960 |
| Core capital (leverage) ratio | 9.5627% | 3,983 |
| Tier 1 risk-based capital ratio | 12.8988% | 5,300 |
| Total risk-based capital ratio | 14.1538% | 5,244 |
| Memoranda: | ||
| Average total assets | $1,062,513,000 | 631 |
| Average earning assets | $994,177,000 | 610 |
| Average equity | $117,163,500 | 623 |
| Average total loans | $523,698,500 | 803 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2746% | 4,301 |
| Cost of funding earning assets | 0.2557% | 6,644 |
| Net interest margin | 4.0189% | 2,320 |
| Noninterest income to average assets | 0.6968% | 2,745 |
| Noninterest expense to average assets | 3.3379% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0676% | 2,059 |
| Return on assets (ROA) | 1.2663% | 1,554 |
| Pretax return on assets | 1.3111% | 2,351 |
| Return on Equity (ROE) | 11.5024% | 1,653 |
| Retained earnings to average equity (ytd only) | 5.4638% | 2,404 |
| Net charge-offs to loans | 0.4431% | 2,458 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.0564% | 3,161 |
| Efficiency ratio | 75.1078% | 2,893 |
| Assets per employee ($millions) | 5.5901% | 1,605 |
| Cash dividends to net income (ytd only)* | 52.4990% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,479 |
| Loan loss allowance to noncurrent loans | 74.1635% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 2.6754% | 1,805 |
| Noncurrent loans to loans | 2.4749% | 2,145 |
| Net loans and leases to total assets | 48.4345% | 5,364 |
| Net loans and leases to deposits | 55.8181% | 5,466 |
| Net loans and leases to core deposits | 57.3551% | 5,603 |
| Total domestic deposits to total assets | 86.7720% | 2,951 |
| Equity capital to assets | 11.0562% | 2,886 |
| Core capital (leverage) ratio | 9.4876% | 4,126 |
| Tier 1 risk-based capital ratio | 12.8592% | 5,208 |
| Total risk-based capital ratio | 14.1102% | 5,149 |
| Memoranda: | ||
| Average total assets | $1,038,025,800 | 640 |
| Average earning assets | $967,881,600 | 612 |
| Average equity | $114,280,200 | 630 |
| Average total loans | $512,473,400 | 806 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 4,379 |
| Cost of funding earning assets | 0.2598% | 6,773 |
| Net interest margin | 4.0583% | 2,264 |
| Noninterest income to average assets | 0.6695% | 2,875 |
| Noninterest expense to average assets | 3.3329% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0842% | 2,154 |
| Return on assets (ROA) | 1.1325% | 2,173 |
| Pretax return on assets | 1.1727% | 3,089 |
| Return on Equity (ROE) | 10.2982% | 2,213 |
| Retained earnings to average equity (ytd only) | 5.1009% | 3,294 |
| Net charge-offs to loans | 0.6214% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.6594% | 3,561 |
| Efficiency ratio | 74.7999% | 2,859 |
| Assets per employee ($millions) | 5.6907% | 1,466 |
| Cash dividends to net income (ytd only)* | 50.4677% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9267% | 2,399 |
| Loan loss allowance to noncurrent loans | 72.8616% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.7096% | 1,952 |
| Noncurrent loans to loans | 2.6444% | 2,145 |
| Net loans and leases to total assets | 46.2547% | 5,740 |
| Net loans and leases to deposits | 53.4855% | 5,848 |
| Net loans and leases to core deposits | 54.7934% | 5,983 |
| Total domestic deposits to total assets | 86.4809% | 2,996 |
| Equity capital to assets | 11.4108% | 2,838 |
| Core capital (leverage) ratio | 9.2837% | 4,612 |
| Tier 1 risk-based capital ratio | 12.4824% | 5,657 |
| Total risk-based capital ratio | 13.7332% | 5,621 |
| Memoranda: | ||
| Average total assets | $1,032,001,250 | 645 |
| Average earning assets | $962,799,250 | 618 |
| Average equity | $113,492,500 | 634 |
| Average total loans | $509,578,500 | 819 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 4,301 |
| Cost of funding earning assets | 0.2631% | 6,869 |
| Net interest margin | 4.1078% | 2,058 |
| Noninterest income to average assets | 0.6824% | 2,759 |
| Noninterest expense to average assets | 3.3276% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1593% | 1,852 |
| Return on assets (ROA) | 1.1587% | 2,059 |
| Pretax return on assets | 1.1998% | 2,928 |
| Return on Equity (ROE) | 10.6730% | 2,104 |
| Retained earnings to average equity (ytd only) | 5.9284% | 2,751 |
| Net charge-offs to loans | 0.8830% | 1,245 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.7118% | 3,654 |
| Efficiency ratio | 73.4893% | 3,162 |
| Assets per employee ($millions) | 5.7070% | 1,436 |
| Cash dividends to net income (ytd only)* | 44.4538% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9024% | 2,554 |
| Loan loss allowance to noncurrent loans | 77.1396% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 2.7035% | 2,038 |
| Noncurrent loans to loans | 2.4662% | 2,435 |
| Net loans and leases to total assets | 48.2743% | 5,588 |
| Net loans and leases to deposits | 55.6434% | 5,692 |
| Net loans and leases to core deposits | 56.9572% | 5,863 |
| Total domestic deposits to total assets | 86.7566% | 2,921 |
| Equity capital to assets | 11.2160% | 2,874 |
| Core capital (leverage) ratio | 9.4405% | 4,228 |
| Tier 1 risk-based capital ratio | 12.3067% | 5,715 |
| Total risk-based capital ratio | 13.5576% | 5,693 |
| Memoranda: | ||
| Average total assets | $1,026,971,330 | 646 |
| Average earning assets | $961,431,670 | 620 |
| Average equity | $111,496,330 | 640 |
| Average total loans | $514,823,330 | 810 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 4,281 |
| Cost of funding earning assets | 0.2803% | 6,905 |
| Net interest margin | 4.1321% | 1,987 |
| Noninterest income to average assets | 0.6950% | 2,683 |
| Noninterest expense to average assets | 3.2594% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2609% | 1,569 |
| Return on assets (ROA) | 1.2598% | 1,742 |
| Pretax return on assets | 1.3046% | 2,519 |
| Return on Equity (ROE) | 11.7990% | 1,735 |
| Retained earnings to average equity (ytd only) | 7.5778% | 2,140 |
| Net charge-offs to loans | 0.4659% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.5405% | 2,346 |
| Efficiency ratio | 71.3969% | 3,558 |
| Assets per employee ($millions) | 5.5657% | 1,641 |
| Cash dividends to net income (ytd only)* | 35.7761% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1766% | 1,928 |
| Loan loss allowance to noncurrent loans | 66.0482% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.8503% | 2,051 |
| Noncurrent loans to loans | 3.2954% | 1,934 |
| Net loans and leases to total assets | 48.9931% | 5,431 |
| Net loans and leases to deposits | 58.0572% | 5,371 |
| Net loans and leases to core deposits | 59.5074% | 5,574 |
| Total domestic deposits to total assets | 84.3876% | 4,328 |
| Equity capital to assets | 10.7455% | 3,217 |
| Core capital (leverage) ratio | 9.2928% | 4,378 |
| Tier 1 risk-based capital ratio | 12.2972% | 5,759 |
| Total risk-based capital ratio | 13.5510% | 5,716 |
| Memoranda: | ||
| Average total assets | $1,026,827,500 | 651 |
| Average earning assets | $961,745,500 | 619 |
| Average equity | $109,636,000 | 643 |
| Average total loans | $519,475,500 | 800 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5053% | 5,056 |
| Cost of funding earning assets | 0.3917% | 6,915 |
| Net interest margin | 4.1136% | 2,375 |
| Noninterest income to average assets | 0.7106% | 2,545 |
| Noninterest expense to average assets | 3.2444% | 2,709 |
| Loan and lease loss provision to assets | 0.2296% | 3,904 |
| Net operating income to assets | 1.0645% | 1,938 |
| Return on assets (ROA) | 1.2615% | 1,443 |
| Pretax return on assets | 1.3063% | 2,102 |
| Return on Equity (ROE) | 12.3259% | 1,323 |
| Retained earnings to average equity (ytd only) | 6.2143% | 1,900 |
| Net charge-offs to loans | 0.2732% | 4,059 |
| Credit loss provision to net charge-offs | 158.5624% | 1,750 |
| Earnings coverage of net charge-offs (x) | 9.2051% | 2,016 |
| Efficiency ratio | 70.8814% | 3,801 |
| Assets per employee ($millions) | 6.2480% | 1,071 |
| Cash dividends to net income (ytd only)* | 49.5834% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2844% | 1,646 |
| Loan loss allowance to noncurrent loans | 55.8793% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 3.2279% | 1,850 |
| Noncurrent loans to loans | 4.0882% | 1,522 |
| Net loans and leases to total assets | 49.9384% | 5,591 |
| Net loans and leases to deposits | 58.0753% | 5,688 |
| Net loans and leases to core deposits | 59.5262% | 5,887 |
| Total domestic deposits to total assets | 85.9891% | 3,330 |
| Equity capital to assets | 10.6077% | 3,409 |
| Core capital (leverage) ratio | 9.0310% | 4,726 |
| Tier 1 risk-based capital ratio | 10.9343% | 6,485 |
| Total risk-based capital ratio | 12.1872% | 6,465 |
| Memoranda: | ||
| Average total assets | $980,040,200 | 670 |
| Average earning assets | $921,190,000 | 645 |
| Average equity | $100,301,200 | 684 |
| Average total loans | $519,397,600 | 799 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5564% | 5,059 |
| Cost of funding earning assets | 0.4149% | 6,980 |
| Net interest margin | 4.1415% | 2,299 |
| Noninterest income to average assets | 0.7023% | 2,594 |
| Noninterest expense to average assets | 3.1572% | 2,968 |
| Loan and lease loss provision to assets | 0.4122% | 2,404 |
| Net operating income to assets | 0.9954% | 2,340 |
| Return on assets (ROA) | 1.2706% | 1,558 |
| Pretax return on assets | 1.3154% | 2,243 |
| Return on Equity (ROE) | 12.5349% | 1,400 |
| Retained earnings to average equity (ytd only) | 8.9484% | 1,162 |
| Net charge-offs to loans | 0.6729% | 2,228 |
| Credit loss provision to net charge-offs | 114.5038% | 2,853 |
| Earnings coverage of net charge-offs (x) | 4.0111% | 3,215 |
| Efficiency ratio | 68.6195% | 4,192 |
| Assets per employee ($millions) | 6.6909% | 858 |
| Cash dividends to net income (ytd only)* | 28.6116% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2512% | 1,773 |
| Loan loss allowance to noncurrent loans | 49.6808% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 3.6168% | 1,738 |
| Noncurrent loans to loans | 4.5314% | 1,426 |
| Net loans and leases to total assets | 48.5178% | 5,893 |
| Net loans and leases to deposits | 56.1941% | 6,016 |
| Net loans and leases to core deposits | 57.5606% | 6,163 |
| Total domestic deposits to total assets | 86.3397% | 3,019 |
| Equity capital to assets | 10.4254% | 3,793 |
| Core capital (leverage) ratio | 9.2683% | 4,508 |
| Tier 1 risk-based capital ratio | 11.1586% | 6,453 |
| Total risk-based capital ratio | 12.4111% | 6,436 |
| Memoranda: | ||
| Average total assets | $970,443,500 | 683 |
| Average earning assets | $913,564,750 | 656 |
| Average equity | $98,368,500 | 701 |
| Average total loans | $519,128,000 | 814 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 5,450 |
| Cost of funding earning assets | 0.4406% | 7,041 |
| Net interest margin | 4.0296% | 2,702 |
| Noninterest income to average assets | 0.7308% | 2,371 |
| Noninterest expense to average assets | 3.1335% | 3,132 |
| Loan and lease loss provision to assets | 0.6298% | 1,522 |
| Net operating income to assets | 0.7392% | 3,338 |
| Return on assets (ROA) | 0.9241% | 2,647 |
| Pretax return on assets | 0.9562% | 3,403 |
| Return on Equity (ROE) | 9.2109% | 2,430 |
| Retained earnings to average equity (ytd only) | 7.3089% | 1,738 |
| Net charge-offs to loans | 0.2506% | 3,626 |
| Credit loss provision to net charge-offs | 458.0153% | 668 |
| Earnings coverage of net charge-offs (x) | 10.1481% | 1,847 |
| Efficiency ratio | 69.1883% | 4,290 |
| Assets per employee ($millions) | 6.1886% | 1,072 |
| Cash dividends to net income (ytd only)* | 20.6497% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5548% | 1,357 |
| Loan loss allowance to noncurrent loans | 37.3235% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 4.4574% | 1,414 |
| Noncurrent loans to loans | 6.8450% | 769 |
| Net loans and leases to total assets | 51.9574% | 5,567 |
| Net loans and leases to deposits | 60.0255% | 5,722 |
| Net loans and leases to core deposits | 61.5836% | 5,934 |
| Total domestic deposits to total assets | 86.5589% | 3,006 |
| Equity capital to assets | 10.1460% | 3,957 |
| Core capital (leverage) ratio | 9.3548% | 4,168 |
| Tier 1 risk-based capital ratio | 11.2356% | 6,362 |
| Total risk-based capital ratio | 12.4918% | 6,354 |
| Memoranda: | ||
| Average total assets | $952,686,330 | 702 |
| Average earning assets | $897,962,000 | 676 |
| Average equity | $95,582,670 | 717 |
| Average total loans | $522,796,330 | 821 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 5,091 |
| Cost of funding earning assets | 0.4594% | 7,092 |
| Net interest margin | 4.1086% | 2,235 |
| Noninterest income to average assets | 0.7257% | 2,414 |
| Noninterest expense to average assets | 3.1657% | 3,006 |
| Loan and lease loss provision to assets | 0.6403% | 1,346 |
| Net operating income to assets | 0.7800% | 3,123 |
| Return on assets (ROA) | 0.7684% | 3,253 |
| Pretax return on assets | 0.7944% | 3,919 |
| Return on Equity (ROE) | 7.7042% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.7042% | 1,840 |
| Net charge-offs to loans | 0.1939% | 3,341 |
| Credit loss provision to net charge-offs | 592.8854% | 634 |
| Earnings coverage of net charge-offs (x) | 13.3953% | 1,441 |
| Efficiency ratio | 68.6349% | 4,532 |
| Assets per employee ($millions) | 5.7625% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3647% | 1,652 |
| Loan loss allowance to noncurrent loans | 53.7052% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 3.3105% | 2,064 |
| Noncurrent loans to loans | 4.4031% | 1,599 |
| Net loans and leases to total assets | 54.4281% | 5,239 |
| Net loans and leases to deposits | 63.1526% | 5,367 |
| Net loans and leases to core deposits | 65.0203% | 5,622 |
| Total domestic deposits to total assets | 86.1850% | 3,413 |
| Equity capital to assets | 10.0889% | 3,661 |
| Core capital (leverage) ratio | 9.3640% | 4,027 |
| Tier 1 risk-based capital ratio | 11.3195% | 6,238 |
| Total risk-based capital ratio | 12.5746% | 6,217 |
| Memoranda: | ||
| Average total assets | $937,033,500 | 721 |
| Average earning assets | $886,428,000 | 684 |
| Average equity | $93,456,000 | 727 |
| Average total loans | $521,864,000 | 829 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 5,548 |
| Cost of funding earning assets | 0.5711% | 7,179 |
| Net interest margin | 4.1963% | 2,202 |
| Noninterest income to average assets | 0.6739% | 2,999 |
| Noninterest expense to average assets | 3.0438% | 3,677 |
| Loan and lease loss provision to assets | 1.7712% | 789 |
| Net operating income to assets | -0.1496% | 6,050 |
| Return on assets (ROA) | 0.3277% | 4,993 |
| Pretax return on assets | 0.3376% | 5,119 |
| Return on Equity (ROE) | 3.2426% | 4,845 |
| Retained earnings to average equity (ytd only) | -0.7672% | 5,758 |
| Net charge-offs to loans | 2.9271% | 577 |
| Credit loss provision to net charge-offs | 105.8000% | 4,232 |
| Earnings coverage of net charge-offs (x) | 0.9658% | 5,142 |
| Efficiency ratio | 65.3091% | 5,109 |
| Assets per employee ($millions) | 5.8783% | 1,299 |
| Cash dividends to net income (ytd only)* | 123.6590% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 2,041 |
| Loan loss allowance to noncurrent loans | 34.7134% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 3.4015% | 2,054 |
| Noncurrent loans to loans | 6.0877% | 1,013 |
| Net loans and leases to total assets | 54.4647% | 5,575 |
| Net loans and leases to deposits | 63.0155% | 5,741 |
| Net loans and leases to core deposits | 64.7361% | 5,998 |
| Total domestic deposits to total assets | 86.4306% | 3,118 |
| Equity capital to assets | 9.8592% | 3,927 |
| Core capital (leverage) ratio | 9.0186% | 4,511 |
| Tier 1 risk-based capital ratio | 11.3233% | 6,069 |
| Total risk-based capital ratio | 12.5768% | 6,058 |
| Memoranda: | ||
| Average total assets | $955,724,800 | 700 |
| Average earning assets | $907,973,600 | 664 |
| Average equity | $96,589,000 | 696 |
| Average total loans | $546,608,000 | 825 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 5,690 |
| Cost of funding earning assets | 0.6008% | 7,288 |
| Net interest margin | 4.1929% | 2,241 |
| Noninterest income to average assets | 0.6485% | 3,136 |
| Noninterest expense to average assets | 3.1390% | 3,146 |
| Loan and lease loss provision to assets | 1.0879% | 1,337 |
| Net operating income to assets | 0.3888% | 4,798 |
| Return on assets (ROA) | 0.5182% | 4,416 |
| Pretax return on assets | 0.5358% | 4,810 |
| Return on Equity (ROE) | 5.0965% | 4,241 |
| Retained earnings to average equity (ytd only) | 1.7070% | 5,106 |
| Net charge-offs to loans | 1.1814% | 1,725 |
| Credit loss provision to net charge-offs | 159.9387% | 2,368 |
| Earnings coverage of net charge-offs (x) | 2.1910% | 4,082 |
| Efficiency ratio | 67.8073% | 4,498 |
| Assets per employee ($millions) | 6.1385% | 1,151 |
| Cash dividends to net income (ytd only)* | 66.5056% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4270% | 1,439 |
| Loan loss allowance to noncurrent loans | 34.2760% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 3.9551% | 1,774 |
| Noncurrent loans to loans | 7.0808% | 781 |
| Net loans and leases to total assets | 54.5003% | 5,774 |
| Net loans and leases to deposits | 63.7039% | 5,949 |
| Net loans and leases to core deposits | 65.8336% | 6,141 |
| Total domestic deposits to total assets | 85.5526% | 3,318 |
| Equity capital to assets | 10.7672% | 3,202 |
| Core capital (leverage) ratio | 9.1961% | 4,379 |
| Tier 1 risk-based capital ratio | 11.5441% | 5,885 |
| Total risk-based capital ratio | 12.8008% | 5,870 |
| Memoranda: | ||
| Average total assets | $959,522,500 | 697 |
| Average earning assets | $910,977,750 | 657 |
| Average equity | $97,554,000 | 688 |
| Average total loans | $552,430,500 | 816 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 5,939 |
| Cost of funding earning assets | 0.6503% | 7,294 |
| Net interest margin | 4.1075% | 2,522 |
| Noninterest income to average assets | 0.6342% | 3,103 |
| Noninterest expense to average assets | 3.1001% | 3,322 |
| Loan and lease loss provision to assets | 0.7016% | 2,070 |
| Net operating income to assets | 0.7052% | 3,383 |
| Return on assets (ROA) | 0.9082% | 2,635 |
| Pretax return on assets | 0.9404% | 3,346 |
| Return on Equity (ROE) | 9.1137% | 2,416 |
| Retained earnings to average equity (ytd only) | 5.6513% | 2,524 |
| Net charge-offs to loans | 1.1039% | 1,714 |
| Credit loss provision to net charge-offs | 109.3008% | 3,734 |
| Earnings coverage of net charge-offs (x) | 2.2319% | 3,892 |
| Efficiency ratio | 68.3937% | 4,498 |
| Assets per employee ($millions) | 6.0052% | 1,227 |
| Cash dividends to net income (ytd only)* | 37.9913% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 2,470 |
| Loan loss allowance to noncurrent loans | 34.3943% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 3.1521% | 2,251 |
| Noncurrent loans to loans | 5.4661% | 1,208 |
| Net loans and leases to total assets | 56.5826% | 5,610 |
| Net loans and leases to deposits | 65.8404% | 5,824 |
| Net loans and leases to core deposits | 68.0225% | 6,054 |
| Total domestic deposits to total assets | 85.9390% | 3,126 |
| Equity capital to assets | 10.4713% | 3,446 |
| Core capital (leverage) ratio | 9.3377% | 4,058 |
| Tier 1 risk-based capital ratio | 11.5835% | 5,686 |
| Total risk-based capital ratio | 12.8353% | 5,649 |
| Memoranda: | ||
| Average total assets | $958,112,670 | 693 |
| Average earning assets | $909,370,000 | 654 |
| Average equity | $95,482,330 | 693 |
| Average total loans | $557,136,330 | 821 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6808% | 6,314 |
| Cost of funding earning assets | 0.7050% | 7,326 |
| Net interest margin | 3.9758% | 2,973 |
| Noninterest income to average assets | 0.6773% | 2,758 |
| Noninterest expense to average assets | 3.1013% | 3,263 |
| Loan and lease loss provision to assets | 0.9649% | 1,303 |
| Net operating income to assets | 0.3739% | 4,957 |
| Return on assets (ROA) | 0.7847% | 3,153 |
| Pretax return on assets | 0.8115% | 3,816 |
| Return on Equity (ROE) | 8.0803% | 2,850 |
| Retained earnings to average equity (ytd only) | 5.1099% | 3,100 |
| Net charge-offs to loans | 1.2107% | 1,403 |
| Credit loss provision to net charge-offs | 136.4873% | 2,585 |
| Earnings coverage of net charge-offs (x) | 1.9137% | 3,583 |
| Efficiency ratio | 69.6264% | 4,392 |
| Assets per employee ($millions) | 5.9167% | 1,324 |
| Cash dividends to net income (ytd only)* | 36.7608% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 2,350 |
| Loan loss allowance to noncurrent loans | 27.0744% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 4.1416% | 1,650 |
| Noncurrent loans to loans | 7.1427% | 826 |
| Net loans and leases to total assets | 56.8624% | 5,632 |
| Net loans and leases to deposits | 68.1239% | 5,574 |
| Net loans and leases to core deposits | 71.0957% | 5,821 |
| Total domestic deposits to total assets | 83.4691% | 4,399 |
| Equity capital to assets | 9.8468% | 4,057 |
| Core capital (leverage) ratio | 9.3026% | 4,053 |
| Tier 1 risk-based capital ratio | 11.5858% | 5,588 |
| Total risk-based capital ratio | 12.8385% | 5,560 |
| Memoranda: | ||
| Average total assets | $956,750,000 | 707 |
| Average earning assets | $908,899,500 | 674 |
| Average equity | $92,917,500 | 713 |
| Average total loans | $558,662,500 | 848 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3168% | 5,094 |
| Cost of funding earning assets | 1.2992% | 6,310 |
| Net interest margin | 4.0176% | 2,797 |
| Noninterest income to average assets | 0.7018% | 2,963 |
| Noninterest expense to average assets | 3.0777% | 3,839 |
| Loan and lease loss provision to assets | 0.6296% | 3,287 |
| Net operating income to assets | 0.7600% | 2,679 |
| Return on assets (ROA) | 0.9896% | 1,924 |
| Pretax return on assets | 1.0245% | 2,510 |
| Return on Equity (ROE) | 11.0362% | 1,406 |
| Retained earnings to average equity (ytd only) | 7.3541% | 857 |
| Net charge-offs to loans | 0.3598% | 4,429 |
| Credit loss provision to net charge-offs | 287.7489% | 1,169 |
| Earnings coverage of net charge-offs (x) | 6.4783% | 2,355 |
| Efficiency ratio | 68.4672% | 4,930 |
| Assets per employee ($millions) | 5.7878% | 1,392 |
| Cash dividends to net income (ytd only)* | 33.3634% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 2,531 |
| Loan loss allowance to noncurrent loans | 39.5063% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 2.6853% | 2,612 |
| Noncurrent loans to loans | 4.5667% | 1,545 |
| Net loans and leases to total assets | 57.7403% | 5,700 |
| Net loans and leases to deposits | 69.0328% | 5,720 |
| Net loans and leases to core deposits | 76.6457% | 6,363 |
| Total domestic deposits to total assets | 83.6419% | 4,208 |
| Equity capital to assets | 9.5762% | 4,301 |
| Core capital (leverage) ratio | 9.2724% | 4,018 |
| Tier 1 risk-based capital ratio | 11.0552% | 5,873 |
| Total risk-based capital ratio | 12.3062% | 5,832 |
| Memoranda: | ||
| Average total assets | $895,330,400 | 753 |
| Average earning assets | $845,382,200 | 722 |
| Average equity | $80,281,600 | 807 |
| Average total loans | $544,412,200 | 878 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4494% | 4,690 |
| Cost of funding earning assets | 1.4504% | 6,036 |
| Net interest margin | 3.9989% | 2,831 |
| Noninterest income to average assets | 0.7001% | 3,014 |
| Noninterest expense to average assets | 3.0312% | 3,927 |
| Loan and lease loss provision to assets | 0.5882% | 3,031 |
| Net operating income to assets | 0.8197% | 2,726 |
| Return on assets (ROA) | 1.1671% | 1,606 |
| Pretax return on assets | 1.2088% | 2,239 |
| Return on Equity (ROE) | 13.2609% | 1,056 |
| Retained earnings to average equity (ytd only) | 10.6180% | 527 |
| Net charge-offs to loans | 0.2898% | 4,225 |
| Credit loss provision to net charge-offs | 330.8348% | 1,246 |
| Earnings coverage of net charge-offs (x) | 8.0929% | 2,309 |
| Efficiency ratio | 67.8118% | 5,018 |
| Assets per employee ($millions) | 5.8868% | 1,292 |
| Cash dividends to net income (ytd only)* | 19.9300% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 2,769 |
| Loan loss allowance to noncurrent loans | 35.9870% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 2.7375% | 2,540 |
| Noncurrent loans to loans | 4.6133% | 1,501 |
| Net loans and leases to total assets | 58.3547% | 5,838 |
| Net loans and leases to deposits | 70.1718% | 5,894 |
| Net loans and leases to core deposits | 78.0654% | 6,482 |
| Total domestic deposits to total assets | 83.1597% | 4,143 |
| Equity capital to assets | 9.9233% | 4,186 |
| Core capital (leverage) ratio | 9.5268% | 3,878 |
| Tier 1 risk-based capital ratio | 10.5900% | 6,357 |
| Total risk-based capital ratio | 11.7392% | 6,433 |
| Memoranda: | ||
| Average total assets | $880,416,000 | 779 |
| Average earning assets | $829,998,000 | 749 |
| Average equity | $77,489,000 | 846 |
| Average total loans | $540,129,250 | 901 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5249% | 4,478 |
| Cost of funding earning assets | 1.6856% | 5,344 |
| Net interest margin | 3.8394% | 3,373 |
| Noninterest income to average assets | 0.6964% | 3,010 |
| Noninterest expense to average assets | 2.9996% | 4,088 |
| Loan and lease loss provision to assets | 0.4035% | 3,508 |
| Net operating income to assets | 0.8647% | 2,591 |
| Return on assets (ROA) | 0.9025% | 2,546 |
| Pretax return on assets | 0.9351% | 3,227 |
| Return on Equity (ROE) | 10.7453% | 1,769 |
| Retained earnings to average equity (ytd only) | 9.2843% | 867 |
| Net charge-offs to loans | 0.1958% | 4,311 |
| Credit loss provision to net charge-offs | 332.0000% | 1,402 |
| Earnings coverage of net charge-offs (x) | 10.6933% | 1,970 |
| Efficiency ratio | 69.7684% | 4,833 |
| Assets per employee ($millions) | 5.5340% | 1,555 |
| Cash dividends to net income (ytd only)* | 13.5967% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 3,785 |
| Loan loss allowance to noncurrent loans | 68.4817% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2496% | 4,440 |
| Noncurrent loans to loans | 2.0283% | 3,475 |
| Net loans and leases to total assets | 60.7541% | 5,560 |
| Net loans and leases to deposits | 72.6154% | 5,650 |
| Net loans and leases to core deposits | 81.1408% | 6,310 |
| Total domestic deposits to total assets | 83.6655% | 3,936 |
| Equity capital to assets | 9.1547% | 5,090 |
| Core capital (leverage) ratio | 9.5000% | 3,884 |
| Tier 1 risk-based capital ratio | 9.9293% | 7,007 |
| Total risk-based capital ratio | 10.8665% | 7,255 |
| Memoranda: | ||
| Average total assets | $863,850,000 | 816 |
| Average earning assets | $810,651,670 | 787 |
| Average equity | $72,552,670 | 924 |
| Average total loans | $536,196,330 | 926 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6155% | 4,258 |
| Cost of funding earning assets | 1.9466% | 4,392 |
| Net interest margin | 3.6689% | 4,023 |
| Noninterest income to average assets | 0.7155% | 2,789 |
| Noninterest expense to average assets | 3.1282% | 3,274 |
| Loan and lease loss provision to assets | 0.4484% | 2,679 |
| Net operating income to assets | 0.5389% | 4,261 |
| Return on assets (ROA) | 0.6051% | 4,183 |
| Pretax return on assets | 0.6272% | 4,668 |
| Return on Equity (ROE) | 7.5643% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.5643% | 1,998 |
| Net charge-offs to loans | 0.3779% | 2,583 |
| Credit loss provision to net charge-offs | 190.3808% | 2,308 |
| Earnings coverage of net charge-offs (x) | 4.2745% | 2,924 |
| Efficiency ratio | 75.6535% | 3,543 |
| Assets per employee ($millions) | 5.6200% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,048 |
| Loan loss allowance to noncurrent loans | 73.1588% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0695% | 4,553 |
| Noncurrent loans to loans | 1.7835% | 3,586 |
| Net loans and leases to total assets | 59.1862% | 5,785 |
| Net loans and leases to deposits | 70.1644% | 5,961 |
| Net loans and leases to core deposits | 77.9171% | 6,543 |
| Total domestic deposits to total assets | 84.3536% | 3,531 |
| Equity capital to assets | 7.7866% | 7,087 |
| Core capital (leverage) ratio | 9.2500% | 4,321 |
| Tier 1 risk-based capital ratio | 9.8199% | 7,121 |
| Total risk-based capital ratio | 10.7129% | 7,409 |
| Memoranda: | ||
| Average total assets | $847,517,000 | 834 |
| Average earning assets | $789,885,500 | 806 |
| Average equity | $67,792,500 | 992 |
| Average total loans | $528,123,500 | 946 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2125% | 4,449 |
| Cost of funding earning assets | 2.0223% | 6,339 |
| Net interest margin | 4.1902% | 2,353 |
| Noninterest income to average assets | 0.8566% | 2,186 |
| Noninterest expense to average assets | 2.8882% | 4,489 |
| Loan and lease loss provision to assets | 0.6384% | 2,279 |
| Net operating income to assets | 1.2175% | 1,718 |
| Return on assets (ROA) | 0.7656% | 3,433 |
| Pretax return on assets | 0.7937% | 4,102 |
| Return on Equity (ROE) | 8.5547% | 2,812 |
| Retained earnings to average equity (ytd only) | 5.3942% | 1,814 |
| Net charge-offs to loans | 0.7521% | 1,649 |
| Credit loss provision to net charge-offs | 138.5965% | 3,833 |
| Earnings coverage of net charge-offs (x) | 4.1310% | 4,092 |
| Efficiency ratio | 60.2825% | 6,287 |
| Assets per employee ($millions) | 4.8958% | 2,051 |
| Cash dividends to net income (ytd only)* | 36.9454% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 4,349 |
| Loan loss allowance to noncurrent loans | 95.8699% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 4,779 |
| Noncurrent loans to loans | 1.2769% | 3,955 |
| Net loans and leases to total assets | 64.0667% | 5,261 |
| Net loans and leases to deposits | 78.4877% | 5,272 |
| Net loans and leases to core deposits | 86.7057% | 6,088 |
| Total domestic deposits to total assets | 81.6264% | 4,359 |
| Equity capital to assets | 8.2295% | 6,507 |
| Core capital (leverage) ratio | 9.6517% | 3,828 |
| Tier 1 risk-based capital ratio | 9.6559% | 7,138 |
| Total risk-based capital ratio | 10.4916% | 7,518 |
| Memoranda: | ||
| Average total assets | $791,956,000 | 855 |
| Average earning assets | $743,609,800 | 821 |
| Average equity | $70,873,000 | 939 |
| Average total loans | $485,014,200 | 986 |