Home > North Dallas Bank & Trust Co. > Performance and Condition Ratios
North Dallas Bank & Trust Co., 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 | 3.8521% | 4,122 |
| Cost of funding earning assets | 1.7870% | 1,268 |
| Net interest margin | 2.0650% | 4,392 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.0247% | 3,567 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.2330% | 4,121 |
| Return on assets (ROA) | 0.2196% | 4,155 |
| Pretax return on assets | 0.2589% | 4,133 |
| Return on Equity (ROE) | 2.3500% | 4,114 |
| Retained earnings to average equity (ytd only) | 0.2405% | 3,997 |
| Net charge-offs to loans | 0.0068% | 2,430 |
| Credit loss provision to net charge-offs | 598.6486% | 592 |
| Earnings coverage of net charge-offs (x) | 69.9324% | 1,092 |
| Efficiency ratio | 87.0619% | 513 |
| Assets per employee ($millions) | 10.1208% | 683 |
| Cash dividends to net income (ytd only)* | 89.7802% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,131 |
| Loan loss allowance to noncurrent loans | 1,527.9617% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,138 |
| Noncurrent loans to loans | 0.0964% | 3,058 |
| Net loans and leases to total assets | 66.2100% | 2,238 |
| Net loans and leases to deposits | 79.2294% | 2,169 |
| Net loans and leases to core deposits | 89.5219% | 2,084 |
| Total domestic deposits to total assets | 83.5700% | 2,736 |
| Equity capital to assets | 9.2593% | 2,507 |
| Core capital (leverage) ratio | 9.8845% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,719,931,800 | 644 |
| Average earning assets | $1,629,985,200 | 628 |
| Average equity | $160,524,800 | 642 |
| Average total loans | $1,092,402,000 | 684 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 4,167 |
| Cost of funding earning assets | 1.6165% | 1,337 |
| Net interest margin | 2.1231% | 4,400 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.0298% | 3,521 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.2833% | 4,132 |
| Return on assets (ROA) | 0.2657% | 4,160 |
| Pretax return on assets | 0.3187% | 4,150 |
| Return on Equity (ROE) | 2.8400% | 4,114 |
| Retained earnings to average equity (ytd only) | 0.7174% | 4,004 |
| Net charge-offs to loans | 0.0094% | 2,053 |
| Credit loss provision to net charge-offs | 590.6667% | 564 |
| Earnings coverage of net charge-offs (x) | 64.0400% | 1,167 |
| Efficiency ratio | 84.4018% | 592 |
| Assets per employee ($millions) | 9.7670% | 724 |
| Cash dividends to net income (ytd only)* | 74.7501% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 1,064 |
| Loan loss allowance to noncurrent loans | 1,478.4364% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,163 |
| Noncurrent loans to loans | 0.1027% | 3,061 |
| Net loans and leases to total assets | 64.5600% | 2,382 |
| Net loans and leases to deposits | 76.0119% | 2,413 |
| Net loans and leases to core deposits | 85.2072% | 2,238 |
| Total domestic deposits to total assets | 84.9400% | 2,517 |
| Equity capital to assets | 9.2839% | 2,234 |
| Core capital (leverage) ratio | 10.1302% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,707,128,750 | 652 |
| Average earning assets | $1,618,900,250 | 632 |
| Average equity | $159,657,250 | 639 |
| Average total loans | $1,067,933,000 | 694 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6385% | 4,210 |
| Cost of funding earning assets | 1.3798% | 1,505 |
| Net interest margin | 2.2587% | 4,384 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.0262% | 3,530 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.3217% | 4,127 |
| Return on assets (ROA) | 0.3217% | 4,152 |
| Pretax return on assets | 0.3904% | 4,130 |
| Return on Equity (ROE) | 3.4300% | 4,106 |
| Retained earnings to average equity (ytd only) | 1.3038% | 3,856 |
| Net charge-offs to loans | 0.0034% | 2,193 |
| Credit loss provision to net charge-offs | 2,461.1111% | 223 |
| Earnings coverage of net charge-offs (x) | 209.3333% | 585 |
| Efficiency ratio | 82.0486% | 706 |
| Assets per employee ($millions) | 9.4098% | 801 |
| Cash dividends to net income (ytd only)* | 61.9971% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 984 |
| Loan loss allowance to noncurrent loans | 1,391.6183% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,060 |
| Noncurrent loans to loans | 0.1132% | 2,911 |
| Net loans and leases to total assets | 62.2000% | 2,561 |
| Net loans and leases to deposits | 73.4762% | 2,547 |
| Net loans and leases to core deposits | 80.5373% | 2,435 |
| Total domestic deposits to total assets | 84.6600% | 2,635 |
| Equity capital to assets | 9.5302% | 2,139 |
| Core capital (leverage) ratio | 10.1718% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,699,921,000 | 641 |
| Average earning assets | $1,612,437,667 | 622 |
| Average equity | $159,378,000 | 637 |
| Average total loans | $1,046,138,000 | 689 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4780% | 4,293 |
| Cost of funding earning assets | 1.2159% | 1,410 |
| Net interest margin | 2.2621% | 4,469 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.0078% | 3,614 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.3265% | 4,213 |
| Return on assets (ROA) | 0.3265% | 4,171 |
| Pretax return on assets | 0.3959% | 4,142 |
| Return on Equity (ROE) | 3.5100% | 4,116 |
| Retained earnings to average equity (ytd only) | 1.3753% | 3,809 |
| Net charge-offs to loans | 0.0077% | 1,657 |
| Credit loss provision to net charge-offs | 1,470.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 791 |
| Efficiency ratio | 81.1589% | 758 |
| Assets per employee ($millions) | 9.9116% | 724 |
| Cash dividends to net income (ytd only)* | 60.8321% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,089 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.9300% | 2,772 |
| Net loans and leases to deposits | 67.5830% | 2,808 |
| Net loans and leases to core deposits | 73.4325% | 2,725 |
| Total domestic deposits to total assets | 87.1900% | 2,194 |
| Equity capital to assets | 9.2443% | 2,319 |
| Core capital (leverage) ratio | 10.2929% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,707,702,500 | 650 |
| Average earning assets | $1,618,855,000 | 631 |
| Average equity | $158,805,500 | 653 |
| Average total loans | $1,036,969,000 | 704 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9803% | 4,157 |
| Cost of funding earning assets | 0.3251% | 2,680 |
| Net interest margin | 2.6553% | 4,108 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.9940% | 3,589 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.5464% | 3,998 |
| Return on assets (ROA) | 0.5277% | 3,996 |
| Pretax return on assets | 0.6543% | 3,938 |
| Return on Equity (ROE) | 5.6500% | 3,894 |
| Retained earnings to average equity (ytd only) | 3.5291% | 3,558 |
| Net charge-offs to loans | -0.0031% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3706% | 1,776 |
| Assets per employee ($millions) | 9.4431% | 800 |
| Cash dividends to net income (ytd only)* | 37.4862% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 547 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 60.4500% | 2,599 |
| Net loans and leases to deposits | 66.9409% | 2,819 |
| Net loans and leases to core deposits | 71.0828% | 2,793 |
| Total domestic deposits to total assets | 90.3000% | 1,237 |
| Equity capital to assets | 9.3562% | 2,105 |
| Core capital (leverage) ratio | 10.1358% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,714,173,800 | 634 |
| Average earning assets | $1,633,366,800 | 609 |
| Average equity | $160,241,200 | 644 |
| Average total loans | $950,520,400 | 719 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8151% | 4,179 |
| Cost of funding earning assets | 0.2145% | 3,098 |
| Net interest margin | 2.6007% | 4,098 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.9654% | 3,572 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 0.5235% | 4,023 |
| Return on assets (ROA) | 0.5235% | 3,970 |
| Pretax return on assets | 0.6498% | 3,896 |
| Return on Equity (ROE) | 5.6000% | 3,869 |
| Retained earnings to average equity (ytd only) | 3.4951% | 3,622 |
| Net charge-offs to loans | -0.0060% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.2494% | 1,857 |
| Assets per employee ($millions) | 10.1454% | 626 |
| Cash dividends to net income (ytd only)* | 37.6017% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 553 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.8800% | 2,915 |
| Net loans and leases to deposits | 61.8363% | 3,034 |
| Net loans and leases to core deposits | 64.5952% | 3,064 |
| Total domestic deposits to total assets | 90.3700% | 1,492 |
| Equity capital to assets | 9.0403% | 2,183 |
| Core capital (leverage) ratio | 9.9381% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,722,498,500 | 631 |
| Average earning assets | $1,644,364,250 | 608 |
| Average equity | $160,985,000 | 650 |
| Average total loans | $929,248,500 | 732 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7025% | 4,137 |
| Cost of funding earning assets | 0.1756% | 3,241 |
| Net interest margin | 2.5269% | 4,042 |
| Noninterest income to average assets | 0.3665% | 2,948 |
| Noninterest expense to average assets | 1.9368% | 3,612 |
| Loan and lease loss provision to assets | 0.2145% | 373 |
| Net operating income to assets | 0.5051% | 3,880 |
| Return on assets (ROA) | 0.5051% | 3,833 |
| Pretax return on assets | 0.6292% | 3,755 |
| Return on Equity (ROE) | 5.3467% | 3,740 |
| Retained earnings to average equity (ytd only) | 3.2654% | 3,364 |
| Net charge-offs to loans | -0.0085% | 3,534 |
| Credit loss provision to net charge-offs | -4,743.5897% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6577% | 2,008 |
| Assets per employee ($millions) | 9.9900% | 661 |
| Cash dividends to net income (ytd only)* | 38.9259% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.0624% | 2,851 |
| Net loans and leases to deposits | 60.9486% | 2,977 |
| Net loans and leases to core deposits | 63.8966% | 2,980 |
| Total domestic deposits to total assets | 90.3424% | 1,553 |
| Equity capital to assets | 9.1049% | 2,310 |
| Core capital (leverage) ratio | 9.7078% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,725,140,000 | 628 |
| Average earning assets | $1,648,003,000 | 609 |
| Average equity | $162,979,333 | 651 |
| Average total loans | $913,289,667 | 726 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5785% | 4,160 |
| Cost of funding earning assets | 0.1595% | 3,381 |
| Net interest margin | 2.4190% | 4,034 |
| Noninterest income to average assets | 0.3623% | 2,921 |
| Noninterest expense to average assets | 1.8805% | 3,723 |
| Loan and lease loss provision to assets | 0.1741% | 443 |
| Net operating income to assets | 0.4952% | 3,728 |
| Return on assets (ROA) | 0.4952% | 3,692 |
| Pretax return on assets | 0.6201% | 3,579 |
| Return on Equity (ROE) | 5.1487% | 3,581 |
| Retained earnings to average equity (ytd only) | 3.1027% | 3,226 |
| Net charge-offs to loans | -0.0009% | 3,011 |
| Credit loss provision to net charge-offs | -37,500.0000% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3080% | 2,192 |
| Assets per employee ($millions) | 10.2473% | 643 |
| Cash dividends to net income (ytd only)* | 39.7376% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 51.1691% | 3,050 |
| Net loans and leases to deposits | 56.8717% | 3,182 |
| Net loans and leases to core deposits | 59.6058% | 3,181 |
| Total domestic deposits to total assets | 89.9730% | 1,577 |
| Equity capital to assets | 9.5189% | 2,264 |
| Core capital (leverage) ratio | 9.9909% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,723,574,500 | 627 |
| Average earning assets | $1,647,622,500 | 610 |
| Average equity | $165,790,500 | 654 |
| Average total loans | $885,134,500 | 739 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4188% | 4,531 |
| Cost of funding earning assets | 0.1982% | 3,485 |
| Net interest margin | 2.2206% | 4,471 |
| Noninterest income to average assets | 0.3406% | 3,374 |
| Noninterest expense to average assets | 1.8002% | 4,145 |
| Loan and lease loss provision to assets | 0.1385% | 873 |
| Net operating income to assets | 0.4477% | 4,189 |
| Return on assets (ROA) | 0.4477% | 4,231 |
| Pretax return on assets | 0.5606% | 4,165 |
| Return on Equity (ROE) | 4.1931% | 4,178 |
| Retained earnings to average equity (ytd only) | 2.2239% | 3,915 |
| Net charge-offs to loans | 0.0034% | 2,491 |
| Credit loss provision to net charge-offs | 8,800.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 444.2400% | 299 |
| Efficiency ratio | 72.0280% | 1,509 |
| Assets per employee ($millions) | 10.2714% | 615 |
| Cash dividends to net income (ytd only)* | 46.9629% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 806 |
| Loan loss allowance to noncurrent loans | 3,663.5535% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,873 |
| Noncurrent loans to loans | 0.0503% | 3,719 |
| Net loans and leases to total assets | 49.6320% | 3,334 |
| Net loans and leases to deposits | 55.1862% | 3,497 |
| Net loans and leases to core deposits | 57.9497% | 3,478 |
| Total domestic deposits to total assets | 89.9354% | 990 |
| Equity capital to assets | 9.7188% | 2,925 |
| Core capital (leverage) ratio | 10.0582% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,588,560,200 | 653 |
| Average earning assets | $1,544,288,800 | 623 |
| Average equity | $169,611,000 | 634 |
| Average total loans | $729,262,800 | 848 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4346% | 4,612 |
| Cost of funding earning assets | 0.2094% | 3,521 |
| Net interest margin | 2.2252% | 4,552 |
| Noninterest income to average assets | 0.3460% | 3,380 |
| Noninterest expense to average assets | 1.8424% | 4,075 |
| Loan and lease loss provision to assets | 0.0472% | 2,059 |
| Net operating income to assets | 0.4976% | 4,211 |
| Return on assets (ROA) | 0.4976% | 4,257 |
| Pretax return on assets | 0.6234% | 4,198 |
| Return on Equity (ROE) | 4.5474% | 4,217 |
| Retained earnings to average equity (ytd only) | 3.0368% | 3,897 |
| Net charge-offs to loans | -0.0012% | 3,137 |
| Credit loss provision to net charge-offs | -9,166.6667% | 4,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3163% | 1,277 |
| Assets per employee ($millions) | 9.6587% | 722 |
| Cash dividends to net income (ytd only)* | 33.2184% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0679% | 571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 42.4671% | 4,063 |
| Net loans and leases to deposits | 47.8187% | 4,129 |
| Net loans and leases to core deposits | 50.5026% | 4,110 |
| Total domestic deposits to total assets | 88.8086% | 1,394 |
| Equity capital to assets | 10.6197% | 2,344 |
| Core capital (leverage) ratio | 10.4971% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,554,300,750 | 673 |
| Average earning assets | $1,513,591,250 | 637 |
| Average equity | $170,086,750 | 640 |
| Average total loans | $693,445,750 | 903 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4571% | 4,645 |
| Cost of funding earning assets | 0.2195% | 3,565 |
| Net interest margin | 2.2376% | 4,569 |
| Noninterest income to average assets | 0.3451% | 3,379 |
| Noninterest expense to average assets | 1.8567% | 4,061 |
| Loan and lease loss provision to assets | 0.0717% | 1,628 |
| Net operating income to assets | 0.4757% | 4,270 |
| Return on assets (ROA) | 0.4757% | 4,309 |
| Pretax return on assets | 0.5954% | 4,242 |
| Return on Equity (ROE) | 4.3021% | 4,274 |
| Retained earnings to average equity (ytd only) | 2.7875% | 3,912 |
| Net charge-offs to loans | -0.0012% | 3,108 |
| Credit loss provision to net charge-offs | -13,750.0000% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5684% | 1,282 |
| Assets per employee ($millions) | 9.5326% | 705 |
| Cash dividends to net income (ytd only)* | 35.2055% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0798% | 522 |
| Loan loss allowance to noncurrent loans | 3,144.1304% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,068 |
| Noncurrent loans to loans | 0.0661% | 3,860 |
| Net loans and leases to total assets | 42.7750% | 4,125 |
| Net loans and leases to deposits | 48.1677% | 4,204 |
| Net loans and leases to core deposits | 51.0088% | 4,185 |
| Total domestic deposits to total assets | 88.8044% | 1,383 |
| Equity capital to assets | 10.6626% | 2,255 |
| Core capital (leverage) ratio | 10.6072% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,534,731,333 | 675 |
| Average earning assets | $1,494,383,000 | 638 |
| Average equity | $169,683,667 | 637 |
| Average total loans | $691,440,333 | 911 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5517% | 4,612 |
| Cost of funding earning assets | 0.2257% | 3,671 |
| Net interest margin | 2.3260% | 4,494 |
| Noninterest income to average assets | 0.3328% | 3,435 |
| Noninterest expense to average assets | 1.8891% | 4,004 |
| Loan and lease loss provision to assets | 0.1195% | 1,151 |
| Net operating income to assets | 0.4701% | 4,235 |
| Return on assets (ROA) | 0.4701% | 4,271 |
| Pretax return on assets | 0.5875% | 4,208 |
| Return on Equity (ROE) | 4.1732% | 4,250 |
| Retained earnings to average equity (ytd only) | 2.6595% | 3,882 |
| Net charge-offs to loans | -0.0012% | 3,059 |
| Credit loss provision to net charge-offs | -22,500.0000% | 3,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7673% | 1,423 |
| Assets per employee ($millions) | 9.4716% | 705 |
| Cash dividends to net income (ytd only)* | 36.2712% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0834% | 513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 43.9850% | 4,112 |
| Net loans and leases to deposits | 49.7406% | 4,174 |
| Net loans and leases to core deposits | 52.3009% | 4,179 |
| Total domestic deposits to total assets | 88.4289% | 1,645 |
| Equity capital to assets | 11.0521% | 1,821 |
| Core capital (leverage) ratio | 11.2114% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,506,126,000 | 674 |
| Average earning assets | $1,465,532,500 | 643 |
| Average equity | $169,654,500 | 633 |
| Average total loans | $689,452,500 | 914 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8364% | 4,734 |
| Cost of funding earning assets | 0.3440% | 3,902 |
| Net interest margin | 2.4923% | 4,599 |
| Noninterest income to average assets | 0.4446% | 2,892 |
| Noninterest expense to average assets | 1.9792% | 4,175 |
| Loan and lease loss provision to assets | 0.1216% | 2,846 |
| Net operating income to assets | 0.6143% | 3,698 |
| Return on assets (ROA) | 0.6143% | 3,824 |
| Pretax return on assets | 0.7685% | 3,706 |
| Return on Equity (ROE) | 5.1270% | 3,870 |
| Retained earnings to average equity (ytd only) | 3.1307% | 3,273 |
| Net charge-offs to loans | 0.0292% | 2,444 |
| Credit loss provision to net charge-offs | 857.5758% | 858 |
| Earnings coverage of net charge-offs (x) | 62.7778% | 1,049 |
| Efficiency ratio | 68.9777% | 2,100 |
| Assets per employee ($millions) | 9.3535% | 663 |
| Cash dividends to net income (ytd only)* | 38.9368% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 45.7238% | 4,141 |
| Net loans and leases to deposits | 51.8669% | 4,221 |
| Net loans and leases to core deposits | 54.5592% | 4,233 |
| Total domestic deposits to total assets | 88.1561% | 1,402 |
| Equity capital to assets | 11.4846% | 1,896 |
| Core capital (leverage) ratio | 11.2936% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,396,412,600 | 659 |
| Average earning assets | $1,358,535,200 | 619 |
| Average equity | $167,311,000 | 612 |
| Average total loans | $678,037,200 | 890 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8465% | 4,813 |
| Cost of funding earning assets | 0.3736% | 3,942 |
| Net interest margin | 2.4728% | 4,678 |
| Noninterest income to average assets | 0.4602% | 2,790 |
| Noninterest expense to average assets | 2.0053% | 4,134 |
| Loan and lease loss provision to assets | 0.1017% | 3,047 |
| Net operating income to assets | 0.6064% | 3,740 |
| Return on assets (ROA) | 0.6064% | 3,844 |
| Pretax return on assets | 0.7580% | 3,756 |
| Return on Equity (ROE) | 5.0051% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.4639% | 3,326 |
| Net charge-offs to loans | 0.0456% | 1,970 |
| Credit loss provision to net charge-offs | 454.5455% | 1,357 |
| Earnings coverage of net charge-offs (x) | 38.4113% | 1,392 |
| Efficiency ratio | 69.9922% | 1,890 |
| Assets per employee ($millions) | 9.1344% | 670 |
| Cash dividends to net income (ytd only)* | 30.7926% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 47.9032% | 4,218 |
| Net loans and leases to deposits | 54.6459% | 4,313 |
| Net loans and leases to core deposits | 57.4387% | 4,323 |
| Total domestic deposits to total assets | 87.6612% | 1,367 |
| Equity capital to assets | 11.6775% | 1,892 |
| Core capital (leverage) ratio | 11.3698% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,376,050,750 | 651 |
| Average earning assets | $1,338,181,250 | 614 |
| Average equity | $166,707,250 | 607 |
| Average total loans | $675,136,000 | 891 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9176% | 4,876 |
| Cost of funding earning assets | 0.4130% | 3,980 |
| Net interest margin | 2.5046% | 4,733 |
| Noninterest income to average assets | 0.4441% | 2,832 |
| Noninterest expense to average assets | 2.0152% | 4,205 |
| Loan and lease loss provision to assets | 0.0888% | 3,165 |
| Net operating income to assets | 0.6213% | 3,669 |
| Return on assets (ROA) | 0.6213% | 3,745 |
| Pretax return on assets | 0.7764% | 3,657 |
| Return on Equity (ROE) | 5.0633% | 3,817 |
| Retained earnings to average equity (ytd only) | 3.5139% | 3,173 |
| Net charge-offs to loans | 0.0747% | 1,507 |
| Credit loss provision to net charge-offs | 241.9355% | 1,771 |
| Earnings coverage of net charge-offs (x) | 23.5605% | 1,597 |
| Efficiency ratio | 69.9620% | 1,962 |
| Assets per employee ($millions) | 9.4116% | 603 |
| Cash dividends to net income (ytd only)* | 30.6006% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 47.3528% | 4,291 |
| Net loans and leases to deposits | 53.8964% | 4,383 |
| Net loans and leases to core deposits | 56.6002% | 4,413 |
| Total domestic deposits to total assets | 87.8590% | 1,252 |
| Equity capital to assets | 11.5563% | 1,934 |
| Core capital (leverage) ratio | 11.7221% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,350,609,000 | 651 |
| Average earning assets | $1,313,805,333 | 609 |
| Average equity | $165,742,667 | 607 |
| Average total loans | $663,860,667 | 888 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1136% | 4,907 |
| Cost of funding earning assets | 0.4973% | 3,959 |
| Net interest margin | 2.6162% | 4,739 |
| Noninterest income to average assets | 0.5553% | 2,250 |
| Noninterest expense to average assets | 2.1309% | 4,155 |
| Loan and lease loss provision to assets | 0.0540% | 3,093 |
| Net operating income to assets | 0.7287% | 3,172 |
| Return on assets (ROA) | 0.7287% | 3,254 |
| Pretax return on assets | 0.9120% | 3,106 |
| Return on Equity (ROE) | 5.7497% | 3,409 |
| Retained earnings to average equity (ytd only) | 4.1869% | 2,607 |
| Net charge-offs to loans | -0.0279% | 4,445 |
| Credit loss provision to net charge-offs | -388.8889% | 3,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8085% | 2,538 |
| Assets per employee ($millions) | 7.8370% | 791 |
| Cash dividends to net income (ytd only)* | 27.1804% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 48.9237% | 4,293 |
| Net loans and leases to deposits | 56.5651% | 4,344 |
| Net loans and leases to core deposits | 59.8310% | 4,363 |
| Total domestic deposits to total assets | 86.4909% | 1,783 |
| Equity capital to assets | 13.0137% | 1,419 |
| Core capital (leverage) ratio | 12.5961% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,296,517,000 | 644 |
| Average earning assets | $1,259,517,500 | 607 |
| Average equity | $164,323,000 | 607 |
| Average total loans | $644,021,000 | 887 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2127% | 4,994 |
| Cost of funding earning assets | 0.5469% | 3,893 |
| Net interest margin | 2.6658% | 4,858 |
| Noninterest income to average assets | 0.3183% | 3,791 |
| Noninterest expense to average assets | 2.0117% | 4,515 |
| Loan and lease loss provision to assets | 0.0058% | 3,895 |
| Net operating income to assets | 0.7072% | 3,852 |
| Return on assets (ROA) | 0.7072% | 3,913 |
| Pretax return on assets | 0.8846% | 3,781 |
| Return on Equity (ROE) | 5.8409% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.7153% | 3,133 |
| Net charge-offs to loans | -0.0438% | 4,800 |
| Credit loss provision to net charge-offs | -26.6904% | 4,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3200% | 2,273 |
| Assets per employee ($millions) | 8.4920% | 593 |
| Cash dividends to net income (ytd only)* | 36.3914% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 531 |
| Loan loss allowance to noncurrent loans | 10,006.4516% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,625 |
| Noncurrent loans to loans | 0.0192% | 4,496 |
| Net loans and leases to total assets | 48.4954% | 4,403 |
| Net loans and leases to deposits | 55.5581% | 4,472 |
| Net loans and leases to core deposits | 58.9211% | 4,487 |
| Total domestic deposits to total assets | 87.2876% | 1,459 |
| Equity capital to assets | 12.3405% | 1,926 |
| Core capital (leverage) ratio | 12.2420% | 1,633 |
| Tier 1 risk-based capital ratio | 26.0157% | 677 |
| Total risk-based capital ratio | 27.2752% | 658 |
| Memoranda: | ||
| Average total assets | $1,297,829,400 | 617 |
| Average earning assets | $1,257,866,800 | 591 |
| Average equity | $157,133,000 | 596 |
| Average total loans | $641,576,800 | 863 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2212% | 5,085 |
| Cost of funding earning assets | 0.5457% | 3,956 |
| Net interest margin | 2.6755% | 4,957 |
| Noninterest income to average assets | 0.3152% | 3,866 |
| Noninterest expense to average assets | 2.0113% | 4,530 |
| Loan and lease loss provision to assets | 0.0077% | 3,730 |
| Net operating income to assets | 0.7081% | 3,986 |
| Return on assets (ROA) | 0.7081% | 4,055 |
| Pretax return on assets | 0.8881% | 3,917 |
| Return on Equity (ROE) | 5.8767% | 4,080 |
| Retained earnings to average equity (ytd only) | 4.2305% | 3,285 |
| Net charge-offs to loans | -0.0550% | 4,858 |
| Credit loss provision to net charge-offs | -28.4091% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1853% | 2,227 |
| Assets per employee ($millions) | 8.3688% | 607 |
| Cash dividends to net income (ytd only)* | 28.0128% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9278% | 533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 49.2306% | 4,470 |
| Net loans and leases to deposits | 56.8264% | 4,522 |
| Net loans and leases to core deposits | 60.1274% | 4,531 |
| Total domestic deposits to total assets | 86.6333% | 1,717 |
| Equity capital to assets | 12.5373% | 1,888 |
| Core capital (leverage) ratio | 12.4100% | 1,617 |
| Tier 1 risk-based capital ratio | 26.2574% | 691 |
| Total risk-based capital ratio | 27.5172% | 674 |
| Memoranda: | ||
| Average total assets | $1,295,346,250 | 618 |
| Average earning assets | $1,254,876,250 | 592 |
| Average equity | $156,070,000 | 601 |
| Average total loans | $640,318,000 | 866 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2100% | 5,151 |
| Cost of funding earning assets | 0.5324% | 3,968 |
| Net interest margin | 2.6777% | 5,020 |
| Noninterest income to average assets | 0.3144% | 3,826 |
| Noninterest expense to average assets | 2.0223% | 4,568 |
| Loan and lease loss provision to assets | 0.0115% | 3,528 |
| Net operating income to assets | 0.6980% | 4,008 |
| Return on assets (ROA) | 0.6980% | 4,072 |
| Pretax return on assets | 0.8753% | 3,922 |
| Return on Equity (ROE) | 5.8713% | 4,089 |
| Retained earnings to average equity (ytd only) | 4.2100% | 3,140 |
| Net charge-offs to loans | -0.0691% | 4,917 |
| Credit loss provision to net charge-offs | -33.9367% | 3,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5146% | 2,307 |
| Assets per employee ($millions) | 8.1876% | 624 |
| Cash dividends to net income (ytd only)* | 28.2944% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 49.3872% | 4,500 |
| Net loans and leases to deposits | 56.7728% | 4,564 |
| Net loans and leases to core deposits | 59.9704% | 4,574 |
| Total domestic deposits to total assets | 86.9909% | 1,596 |
| Equity capital to assets | 12.3286% | 1,957 |
| Core capital (leverage) ratio | 12.1395% | 1,733 |
| Tier 1 risk-based capital ratio | 25.3333% | 724 |
| Total risk-based capital ratio | 26.5925% | 712 |
| Memoranda: | ||
| Average total assets | $1,300,321,330 | 619 |
| Average earning assets | $1,260,046,670 | 590 |
| Average equity | $154,583,330 | 602 |
| Average total loans | $639,507,330 | 869 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1446% | 5,225 |
| Cost of funding earning assets | 0.5160% | 3,993 |
| Net interest margin | 2.6286% | 5,121 |
| Noninterest income to average assets | 0.2942% | 3,910 |
| Noninterest expense to average assets | 1.9634% | 4,709 |
| Loan and lease loss provision to assets | 0.0229% | 3,135 |
| Net operating income to assets | 0.6851% | 3,986 |
| Return on assets (ROA) | 0.6851% | 4,024 |
| Pretax return on assets | 0.8586% | 3,897 |
| Return on Equity (ROE) | 5.8702% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.1878% | 3,244 |
| Net charge-offs to loans | -0.1309% | 5,091 |
| Credit loss provision to net charge-offs | -36.0577% | 3,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0141% | 2,498 |
| Assets per employee ($millions) | 8.5164% | 558 |
| Cash dividends to net income (ytd only)* | 28.6607% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9700% | 536 |
| Loan loss allowance to noncurrent loans | 25,697.9167% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,872 |
| Noncurrent loans to loans | 0.0077% | 4,761 |
| Net loans and leases to total assets | 46.8008% | 4,634 |
| Net loans and leases to deposits | 53.4472% | 4,693 |
| Net loans and leases to core deposits | 56.2851% | 4,701 |
| Total domestic deposits to total assets | 87.5646% | 1,538 |
| Equity capital to assets | 11.7369% | 2,196 |
| Core capital (leverage) ratio | 11.9952% | 1,775 |
| Tier 1 risk-based capital ratio | 26.5805% | 650 |
| Total risk-based capital ratio | 27.8411% | 638 |
| Memoranda: | ||
| Average total assets | $1,307,753,000 | 619 |
| Average earning assets | $1,268,973,500 | 591 |
| Average equity | $152,635,500 | 605 |
| Average total loans | $635,661,000 | 876 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0245% | 5,223 |
| Cost of funding earning assets | 0.3083% | 4,530 |
| Net interest margin | 2.7162% | 5,087 |
| Noninterest income to average assets | 0.3091% | 4,046 |
| Noninterest expense to average assets | 1.8075% | 4,997 |
| Loan and lease loss provision to assets | 0.0093% | 3,937 |
| Net operating income to assets | 0.9060% | 3,423 |
| Return on assets (ROA) | 0.9060% | 3,410 |
| Pretax return on assets | 1.1220% | 3,198 |
| Return on Equity (ROE) | 8.3277% | 3,309 |
| Retained earnings to average equity (ytd only) | 6.0718% | 2,159 |
| Net charge-offs to loans | -0.0716% | 5,070 |
| Credit loss provision to net charge-offs | -27.2331% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5059% | 3,627 |
| Assets per employee ($millions) | 8.3588% | 589 |
| Cash dividends to net income (ytd only)* | 27.0884% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8680% | 608 |
| Loan loss allowance to noncurrent loans | 17,723.5294% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,895 |
| Noncurrent loans to loans | 0.0105% | 4,759 |
| Net loans and leases to total assets | 48.5537% | 4,602 |
| Net loans and leases to deposits | 55.1791% | 4,699 |
| Net loans and leases to core deposits | 58.0078% | 4,703 |
| Total domestic deposits to total assets | 87.9930% | 1,299 |
| Equity capital to assets | 11.6059% | 2,172 |
| Core capital (leverage) ratio | 11.6499% | 1,992 |
| Tier 1 risk-based capital ratio | 25.2767% | 724 |
| Total risk-based capital ratio | 26.5357% | 710 |
| Memoranda: | ||
| Average total assets | $1,350,365,200 | 585 |
| Average earning assets | $1,307,340,000 | 557 |
| Average equity | $146,907,800 | 588 |
| Average total loans | $640,948,800 | 846 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9729% | 5,299 |
| Cost of funding earning assets | 0.2600% | 4,727 |
| Net interest margin | 2.7129% | 5,160 |
| Noninterest income to average assets | 0.3350% | 3,918 |
| Noninterest expense to average assets | 1.7897% | 5,048 |
| Loan and lease loss provision to assets | 0.0122% | 3,754 |
| Net operating income to assets | 0.9367% | 3,365 |
| Return on assets (ROA) | 0.9367% | 3,369 |
| Pretax return on assets | 1.1565% | 3,173 |
| Return on Equity (ROE) | 8.7497% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.4813% | 1,892 |
| Net charge-offs to loans | -0.0863% | 5,121 |
| Credit loss provision to net charge-offs | -30.1932% | 4,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4944% | 3,744 |
| Assets per employee ($millions) | 8.4367% | 544 |
| Cash dividends to net income (ytd only)* | 14.4963% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 662 |
| Loan loss allowance to noncurrent loans | 2,865.6325% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 4,820 |
| Noncurrent loans to loans | 0.0644% | 4,594 |
| Net loans and leases to total assets | 49.1909% | 4,648 |
| Net loans and leases to deposits | 56.0816% | 4,750 |
| Net loans and leases to core deposits | 59.2408% | 4,733 |
| Total domestic deposits to total assets | 87.7131% | 1,386 |
| Equity capital to assets | 11.4653% | 2,288 |
| Core capital (leverage) ratio | 10.9724% | 2,609 |
| Tier 1 risk-based capital ratio | 21.5039% | 1,114 |
| Total risk-based capital ratio | 22.7591% | 1,095 |
| Memoranda: | ||
| Average total assets | $1,361,961,750 | 583 |
| Average earning assets | $1,317,080,500 | 555 |
| Average equity | $145,800,000 | 585 |
| Average total loans | $639,890,500 | 848 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8440% | 5,393 |
| Cost of funding earning assets | 0.2286% | 4,864 |
| Net interest margin | 2.6154% | 5,267 |
| Noninterest income to average assets | 0.3484% | 3,838 |
| Noninterest expense to average assets | 1.7653% | 5,136 |
| Loan and lease loss provision to assets | 0.0181% | 3,539 |
| Net operating income to assets | 0.8952% | 3,474 |
| Return on assets (ROA) | 0.8952% | 3,482 |
| Pretax return on assets | 1.0945% | 3,337 |
| Return on Equity (ROE) | 8.5529% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.2748% | 1,940 |
| Net charge-offs to loans | -0.1660% | 5,291 |
| Credit loss provision to net charge-offs | -23.6742% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3398% | 3,720 |
| Assets per employee ($millions) | 8.5112% | 520 |
| Cash dividends to net income (ytd only)* | 14.9435% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 664 |
| Loan loss allowance to noncurrent loans | 2,160.6061% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 4,814 |
| Noncurrent loans to loans | 0.0867% | 4,520 |
| Net loans and leases to total assets | 47.1968% | 4,758 |
| Net loans and leases to deposits | 53.4136% | 4,862 |
| Net loans and leases to core deposits | 56.1269% | 4,865 |
| Total domestic deposits to total assets | 88.3610% | 1,195 |
| Equity capital to assets | 10.9024% | 2,729 |
| Core capital (leverage) ratio | 11.0737% | 2,461 |
| Tier 1 risk-based capital ratio | 25.5234% | 698 |
| Total risk-based capital ratio | 26.7834% | 684 |
| Memoranda: | ||
| Average total assets | $1,382,867,000 | 571 |
| Average earning assets | $1,337,464,670 | 549 |
| Average equity | $144,745,670 | 585 |
| Average total loans | $636,148,000 | 854 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7464% | 5,468 |
| Cost of funding earning assets | 0.2097% | 4,954 |
| Net interest margin | 2.5367% | 5,366 |
| Noninterest income to average assets | 0.2833% | 4,277 |
| Noninterest expense to average assets | 1.7137% | 5,231 |
| Loan and lease loss provision to assets | 0.0214% | 3,256 |
| Net operating income to assets | 0.7986% | 3,706 |
| Return on assets (ROA) | 0.7986% | 3,717 |
| Pretax return on assets | 1.0023% | 3,525 |
| Return on Equity (ROE) | 7.7851% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.5001% | 2,500 |
| Net charge-offs to loans | -0.0304% | 4,746 |
| Credit loss provision to net charge-offs | -156.2500% | 3,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6016% | 3,686 |
| Assets per employee ($millions) | 8.9881% | 442 |
| Cash dividends to net income (ytd only)* | 16.5059% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 747 |
| Loan loss allowance to noncurrent loans | 2,044.2681% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,914 |
| Noncurrent loans to loans | 0.0892% | 4,581 |
| Net loans and leases to total assets | 43.6700% | 4,910 |
| Net loans and leases to deposits | 48.9987% | 5,007 |
| Net loans and leases to core deposits | 51.4916% | 4,997 |
| Total domestic deposits to total assets | 89.1248% | 1,037 |
| Equity capital to assets | 10.0826% | 3,519 |
| Core capital (leverage) ratio | 10.7449% | 2,694 |
| Tier 1 risk-based capital ratio | 24.8104% | 761 |
| Total risk-based capital ratio | 26.0690% | 749 |
| Memoranda: | ||
| Average total assets | $1,401,916,500 | 572 |
| Average earning assets | $1,356,226,000 | 545 |
| Average equity | $143,812,500 | 589 |
| Average total loans | $630,817,500 | 866 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6362% | 5,518 |
| Cost of funding earning assets | 0.1712% | 5,148 |
| Net interest margin | 2.4649% | 5,428 |
| Noninterest income to average assets | 0.2812% | 4,449 |
| Noninterest expense to average assets | 1.6737% | 5,357 |
| Loan and lease loss provision to assets | 0.0219% | 3,861 |
| Net operating income to assets | 0.4648% | 4,475 |
| Return on assets (ROA) | 0.4648% | 4,510 |
| Pretax return on assets | 0.9713% | 3,669 |
| Return on Equity (ROE) | 4.4327% | 4,373 |
| Retained earnings to average equity (ytd only) | 2.9275% | 3,551 |
| Net charge-offs to loans | -0.0634% | 5,250 |
| Credit loss provision to net charge-offs | -76.3359% | 4,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7561% | 3,819 |
| Assets per employee ($millions) | 9.0443% | 444 |
| Cash dividends to net income (ytd only)* | 33.9575% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 736 |
| Loan loss allowance to noncurrent loans | 1,724.5113% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 4,896 |
| Noncurrent loans to loans | 0.1062% | 4,508 |
| Net loans and leases to total assets | 44.6988% | 4,948 |
| Net loans and leases to deposits | 50.3495% | 5,048 |
| Net loans and leases to core deposits | 53.0811% | 5,039 |
| Total domestic deposits to total assets | 88.7769% | 1,105 |
| Equity capital to assets | 10.4409% | 3,225 |
| Core capital (leverage) ratio | 10.5860% | 2,751 |
| Tier 1 risk-based capital ratio | 24.3847% | 782 |
| Total risk-based capital ratio | 25.6432% | 760 |
| Memoranda: | ||
| Average total assets | $1,367,284,400 | 562 |
| Average earning assets | $1,323,362,400 | 536 |
| Average equity | $143,365,400 | 566 |
| Average total loans | $619,592,600 | 847 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6063% | 5,592 |
| Cost of funding earning assets | 0.1663% | 5,217 |
| Net interest margin | 2.4400% | 5,506 |
| Noninterest income to average assets | 0.2762% | 4,534 |
| Noninterest expense to average assets | 1.6832% | 5,385 |
| Loan and lease loss provision to assets | 0.0293% | 3,538 |
| Net operating income to assets | 0.6178% | 4,321 |
| Return on assets (ROA) | 0.6178% | 4,365 |
| Pretax return on assets | 0.9273% | 3,941 |
| Return on Equity (ROE) | 5.8858% | 4,174 |
| Retained earnings to average equity (ytd only) | 4.6672% | 3,101 |
| Net charge-offs to loans | -0.0768% | 5,305 |
| Credit loss provision to net charge-offs | -84.2697% | 4,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7641% | 3,591 |
| Assets per employee ($millions) | 8.4099% | 537 |
| Cash dividends to net income (ytd only)* | 20.7049% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 830 |
| Loan loss allowance to noncurrent loans | 2,721.6667% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 5,079 |
| Noncurrent loans to loans | 0.0667% | 4,807 |
| Net loans and leases to total assets | 45.9621% | 4,942 |
| Net loans and leases to deposits | 52.2061% | 5,047 |
| Net loans and leases to core deposits | 55.1614% | 5,034 |
| Total domestic deposits to total assets | 88.0398% | 1,344 |
| Equity capital to assets | 10.8701% | 2,992 |
| Core capital (leverage) ratio | 10.7961% | 2,646 |
| Tier 1 risk-based capital ratio | 25.0608% | 745 |
| Total risk-based capital ratio | 26.3195% | 724 |
| Memoranda: | ||
| Average total assets | $1,365,423,750 | 564 |
| Average earning assets | $1,322,662,000 | 537 |
| Average equity | $143,323,250 | 570 |
| Average total loans | $618,002,250 | 851 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5350% | 5,648 |
| Cost of funding earning assets | 0.1580% | 5,288 |
| Net interest margin | 2.3770% | 5,581 |
| Noninterest income to average assets | 0.2767% | 4,569 |
| Noninterest expense to average assets | 1.6720% | 5,439 |
| Loan and lease loss provision to assets | 0.0437% | 3,122 |
| Net operating income to assets | 0.5762% | 4,405 |
| Return on assets (ROA) | 0.5762% | 4,464 |
| Pretax return on assets | 0.8676% | 4,049 |
| Return on Equity (ROE) | 5.5542% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.3276% | 3,129 |
| Net charge-offs to loans | -0.0879% | 5,380 |
| Credit loss provision to net charge-offs | -111.1111% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7218% | 3,553 |
| Assets per employee ($millions) | 8.5816% | 490 |
| Cash dividends to net income (ytd only)* | 22.0845% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 883 |
| Loan loss allowance to noncurrent loans | 1,783.8050% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 5,045 |
| Noncurrent loans to loans | 0.1011% | 4,725 |
| Net loans and leases to total assets | 45.2924% | 4,981 |
| Net loans and leases to deposits | 51.2593% | 5,090 |
| Net loans and leases to core deposits | 54.1006% | 5,085 |
| Total domestic deposits to total assets | 88.3592% | 1,271 |
| Equity capital to assets | 10.5738% | 3,257 |
| Core capital (leverage) ratio | 10.4626% | 2,957 |
| Tier 1 risk-based capital ratio | 24.4133% | 815 |
| Total risk-based capital ratio | 25.6716% | 789 |
| Memoranda: | ||
| Average total assets | $1,372,039,330 | 558 |
| Average earning assets | $1,331,439,330 | 530 |
| Average equity | $142,342,670 | 575 |
| Average total loans | $614,040,670 | 861 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4881% | 5,723 |
| Cost of funding earning assets | 0.1540% | 5,344 |
| Net interest margin | 2.3341% | 5,646 |
| Noninterest income to average assets | 0.2686% | 4,620 |
| Noninterest expense to average assets | 1.6671% | 5,506 |
| Loan and lease loss provision to assets | 0.0436% | 2,926 |
| Net operating income to assets | 0.5466% | 4,395 |
| Return on assets (ROA) | 0.5466% | 4,437 |
| Pretax return on assets | 0.8225% | 4,024 |
| Return on Equity (ROE) | 5.3191% | 4,245 |
| Retained earnings to average equity (ytd only) | 4.0827% | 3,417 |
| Net charge-offs to loans | -0.0772% | 5,360 |
| Credit loss provision to net charge-offs | -128.2051% | 3,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8097% | 3,532 |
| Assets per employee ($millions) | 9.0435% | 423 |
| Cash dividends to net income (ytd only)* | 23.2447% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 927 |
| Loan loss allowance to noncurrent loans | 1,667.9758% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 5,110 |
| Noncurrent loans to loans | 0.1090% | 4,756 |
| Net loans and leases to total assets | 43.1019% | 5,095 |
| Net loans and leases to deposits | 48.5157% | 5,194 |
| Net loans and leases to core deposits | 51.1760% | 5,177 |
| Total domestic deposits to total assets | 88.8411% | 1,232 |
| Equity capital to assets | 10.2751% | 3,436 |
| Core capital (leverage) ratio | 10.3946% | 3,013 |
| Tier 1 risk-based capital ratio | 25.3174% | 750 |
| Total risk-based capital ratio | 26.5762% | 728 |
| Memoranda: | ||
| Average total assets | $1,375,823,500 | 563 |
| Average earning assets | $1,334,818,000 | 530 |
| Average equity | $141,376,000 | 572 |
| Average total loans | $606,388,000 | 867 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3987% | 5,789 |
| Cost of funding earning assets | 0.1601% | 5,356 |
| Net interest margin | 2.2387% | 5,734 |
| Noninterest income to average assets | 0.3007% | 4,587 |
| Noninterest expense to average assets | 1.6579% | 5,598 |
| Loan and lease loss provision to assets | 0.0223% | 3,928 |
| Net operating income to assets | 0.5203% | 4,550 |
| Return on assets (ROA) | 0.5203% | 4,635 |
| Pretax return on assets | 0.7921% | 4,203 |
| Return on Equity (ROE) | 5.0129% | 4,431 |
| Retained earnings to average equity (ytd only) | 3.5414% | 3,415 |
| Net charge-offs to loans | -0.0751% | 5,503 |
| Credit loss provision to net charge-offs | -68.3371% | 4,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0603% | 3,431 |
| Assets per employee ($millions) | 8.8830% | 440 |
| Cash dividends to net income (ytd only)* | 29.3547% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7800% | 978 |
| Loan loss allowance to noncurrent loans | 1,290.4192% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 5,091 |
| Noncurrent loans to loans | 0.1379% | 4,676 |
| Net loans and leases to total assets | 43.4636% | 5,150 |
| Net loans and leases to deposits | 48.7820% | 5,259 |
| Net loans and leases to core deposits | 51.2157% | 5,260 |
| Total domestic deposits to total assets | 89.0975% | 1,066 |
| Equity capital to assets | 10.2764% | 3,418 |
| Core capital (leverage) ratio | 10.1015% | 3,363 |
| Tier 1 risk-based capital ratio | 25.3549% | 738 |
| Total risk-based capital ratio | 26.6134% | 728 |
| Memoranda: | ||
| Average total assets | $1,346,063,000 | 548 |
| Average earning assets | $1,305,770,600 | 522 |
| Average equity | $139,719,600 | 567 |
| Average total loans | $584,353,800 | 850 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3812% | 5,858 |
| Cost of funding earning assets | 0.1601% | 5,415 |
| Net interest margin | 2.2211% | 5,809 |
| Noninterest income to average assets | 0.3146% | 4,515 |
| Noninterest expense to average assets | 1.6685% | 5,632 |
| Loan and lease loss provision to assets | 0.0298% | 3,642 |
| Net operating income to assets | 0.5148% | 4,643 |
| Return on assets (ROA) | 0.5148% | 4,744 |
| Pretax return on assets | 0.7724% | 4,401 |
| Return on Equity (ROE) | 4.9469% | 4,537 |
| Retained earnings to average equity (ytd only) | 3.6939% | 3,677 |
| Net charge-offs to loans | -0.1015% | 5,574 |
| Credit loss provision to net charge-offs | -68.0272% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5308% | 3,315 |
| Assets per employee ($millions) | 9.1769% | 385 |
| Cash dividends to net income (ytd only)* | 25.3285% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 965 |
| Loan loss allowance to noncurrent loans | 2,322.6293% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 5,355 |
| Noncurrent loans to loans | 0.0786% | 5,035 |
| Net loans and leases to total assets | 41.8253% | 5,301 |
| Net loans and leases to deposits | 47.0591% | 5,410 |
| Net loans and leases to core deposits | 49.2214% | 5,412 |
| Total domestic deposits to total assets | 88.8782% | 973 |
| Equity capital to assets | 10.2413% | 3,864 |
| Core capital (leverage) ratio | 10.4816% | 3,014 |
| Tier 1 risk-based capital ratio | 25.4135% | 768 |
| Total risk-based capital ratio | 26.6724% | 752 |
| Memoranda: | ||
| Average total assets | $1,340,582,500 | 550 |
| Average earning assets | $1,301,376,500 | 526 |
| Average equity | $139,504,500 | 569 |
| Average total loans | $579,104,750 | 856 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3976% | 5,931 |
| Cost of funding earning assets | 0.1626% | 5,471 |
| Net interest margin | 2.2350% | 5,885 |
| Noninterest income to average assets | 0.3434% | 4,324 |
| Noninterest expense to average assets | 1.7054% | 5,685 |
| Loan and lease loss provision to assets | 0.0453% | 3,243 |
| Net operating income to assets | 0.5073% | 4,648 |
| Return on assets (ROA) | 0.5073% | 4,760 |
| Pretax return on assets | 0.7618% | 4,414 |
| Return on Equity (ROE) | 4.8478% | 4,576 |
| Retained earnings to average equity (ytd only) | 3.5876% | 3,608 |
| Net charge-offs to loans | -0.0852% | 5,565 |
| Credit loss provision to net charge-offs | -122.4490% | 4,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8777% | 3,368 |
| Assets per employee ($millions) | 8.6558% | 446 |
| Cash dividends to net income (ytd only)* | 25.9964% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 1,041 |
| Loan loss allowance to noncurrent loans | 1,605.6146% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,358 |
| Noncurrent loans to loans | 0.1137% | 4,991 |
| Net loans and leases to total assets | 43.5422% | 5,256 |
| Net loans and leases to deposits | 49.2932% | 5,368 |
| Net loans and leases to core deposits | 51.7432% | 5,366 |
| Total domestic deposits to total assets | 88.3332% | 1,258 |
| Equity capital to assets | 10.7651% | 3,325 |
| Core capital (leverage) ratio | 10.5724% | 2,881 |
| Tier 1 risk-based capital ratio | 25.6980% | 745 |
| Total risk-based capital ratio | 26.9571% | 727 |
| Memoranda: | ||
| Average total assets | $1,325,537,670 | 558 |
| Average earning assets | $1,286,442,670 | 533 |
| Average equity | $138,701,000 | 575 |
| Average total loans | $575,354,000 | 863 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3916% | 5,998 |
| Cost of funding earning assets | 0.1636% | 5,522 |
| Net interest margin | 2.2280% | 5,953 |
| Noninterest income to average assets | 0.3320% | 4,359 |
| Noninterest expense to average assets | 1.7081% | 5,743 |
| Loan and lease loss provision to assets | 0.0450% | 3,028 |
| Net operating income to assets | 0.4921% | 4,661 |
| Return on assets (ROA) | 0.4921% | 4,762 |
| Pretax return on assets | 0.7417% | 4,387 |
| Return on Equity (ROE) | 4.7698% | 4,596 |
| Retained earnings to average equity (ytd only) | 3.5004% | 3,745 |
| Net charge-offs to loans | -0.0761% | 5,531 |
| Credit loss provision to net charge-offs | -137.6147% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4685% | 3,382 |
| Assets per employee ($millions) | 8.3905% | 495 |
| Cash dividends to net income (ytd only)* | 26.6139% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 1,215 |
| Loan loss allowance to noncurrent loans | 1,485.5700% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 5,408 |
| Noncurrent loans to loans | 0.1190% | 5,000 |
| Net loans and leases to total assets | 43.4379% | 5,277 |
| Net loans and leases to deposits | 49.1622% | 5,379 |
| Net loans and leases to core deposits | 51.6294% | 5,365 |
| Total domestic deposits to total assets | 88.3562% | 1,432 |
| Equity capital to assets | 10.5425% | 3,437 |
| Core capital (leverage) ratio | 10.4236% | 3,050 |
| Tier 1 risk-based capital ratio | 25.4158% | 777 |
| Total risk-based capital ratio | 26.6739% | 767 |
| Memoranda: | ||
| Average total assets | $1,334,795,000 | 555 |
| Average earning assets | $1,295,693,500 | 533 |
| Average equity | $137,700,500 | 575 |
| Average total loans | $573,187,000 | 862 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3369% | 6,042 |
| Cost of funding earning assets | 0.2033% | 5,258 |
| Net interest margin | 2.1336% | 6,011 |
| Noninterest income to average assets | 0.2783% | 4,891 |
| Noninterest expense to average assets | 1.5912% | 5,927 |
| Loan and lease loss provision to assets | 0.0451% | 3,423 |
| Net operating income to assets | 0.4761% | 4,785 |
| Return on assets (ROA) | 0.4761% | 4,864 |
| Pretax return on assets | 0.7130% | 4,494 |
| Return on Equity (ROE) | 4.6934% | 4,656 |
| Retained earnings to average equity (ytd only) | 3.2085% | 3,772 |
| Net charge-offs to loans | -0.0369% | 5,471 |
| Credit loss provision to net charge-offs | -298.5075% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7320% | 3,614 |
| Assets per employee ($millions) | 8.7811% | 413 |
| Cash dividends to net income (ytd only)* | 31.6388% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7798% | 1,171 |
| Loan loss allowance to noncurrent loans | 1,273.6041% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 5,428 |
| Noncurrent loans to loans | 0.1397% | 4,933 |
| Net loans and leases to total assets | 40.9554% | 5,466 |
| Net loans and leases to deposits | 45.9519% | 5,565 |
| Net loans and leases to core deposits | 48.1969% | 5,559 |
| Total domestic deposits to total assets | 89.1266% | 1,055 |
| Equity capital to assets | 10.0958% | 3,862 |
| Core capital (leverage) ratio | 9.7892% | 3,790 |
| Tier 1 risk-based capital ratio | 25.0976% | 808 |
| Total risk-based capital ratio | 26.3549% | 794 |
| Memoranda: | ||
| Average total assets | $1,330,500,600 | 538 |
| Average earning assets | $1,291,417,000 | 506 |
| Average equity | $134,955,000 | 562 |
| Average total loans | $544,938,200 | 862 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3238% | 6,140 |
| Cost of funding earning assets | 0.2091% | 5,300 |
| Net interest margin | 2.1147% | 6,096 |
| Noninterest income to average assets | 0.2868% | 4,898 |
| Noninterest expense to average assets | 1.5908% | 5,982 |
| Loan and lease loss provision to assets | 0.0453% | 3,301 |
| Net operating income to assets | 0.4693% | 4,901 |
| Return on assets (ROA) | 0.4693% | 4,998 |
| Pretax return on assets | 0.7038% | 4,670 |
| Return on Equity (ROE) | 4.6213% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.3233% | 4,107 |
| Net charge-offs to loans | -0.0264% | 5,300 |
| Credit loss provision to net charge-offs | -420.5607% | 5,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9883% | 3,541 |
| Assets per employee ($millions) | 9.2026% | 349 |
| Cash dividends to net income (ytd only)* | 28.0874% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 1,387 |
| Loan loss allowance to noncurrent loans | 1,073.6842% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 5,513 |
| Noncurrent loans to loans | 0.1621% | 5,000 |
| Net loans and leases to total assets | 38.7594% | 5,659 |
| Net loans and leases to deposits | 43.4486% | 5,741 |
| Net loans and leases to core deposits | 45.7117% | 5,738 |
| Total domestic deposits to total assets | 89.2074% | 915 |
| Equity capital to assets | 9.5844% | 4,654 |
| Core capital (leverage) ratio | 9.8228% | 3,875 |
| Tier 1 risk-based capital ratio | 25.2255% | 832 |
| Total risk-based capital ratio | 26.4830% | 816 |
| Memoranda: | ||
| Average total assets | $1,325,054,500 | 542 |
| Average earning assets | $1,286,482,750 | 508 |
| Average equity | $134,562,750 | 564 |
| Average total loans | $540,205,250 | 876 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3633% | 6,204 |
| Cost of funding earning assets | 0.2212% | 5,242 |
| Net interest margin | 2.1421% | 6,164 |
| Noninterest income to average assets | 0.2878% | 4,906 |
| Noninterest expense to average assets | 1.6320% | 6,032 |
| Loan and lease loss provision to assets | 0.0465% | 3,189 |
| Net operating income to assets | 0.4572% | 4,954 |
| Return on assets (ROA) | 0.4572% | 5,047 |
| Pretax return on assets | 0.6855% | 4,707 |
| Return on Equity (ROE) | 4.4110% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.1051% | 4,070 |
| Net charge-offs to loans | 0.0218% | 3,228 |
| Credit loss provision to net charge-offs | 517.2414% | 613 |
| Earnings coverage of net charge-offs (x) | 81.4828% | 696 |
| Efficiency ratio | 69.0362% | 3,488 |
| Assets per employee ($millions) | 8.3206% | 463 |
| Cash dividends to net income (ytd only)* | 29.6070% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7373% | 1,527 |
| Loan loss allowance to noncurrent loans | 370.3400% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 5,079 |
| Noncurrent loans to loans | 0.4691% | 4,072 |
| Net loans and leases to total assets | 41.2970% | 5,550 |
| Net loans and leases to deposits | 46.6559% | 5,643 |
| Net loans and leases to core deposits | 49.5096% | 5,630 |
| Total domestic deposits to total assets | 88.5142% | 1,406 |
| Equity capital to assets | 10.3872% | 3,576 |
| Core capital (leverage) ratio | 10.3530% | 3,141 |
| Tier 1 risk-based capital ratio | 25.3885% | 825 |
| Total risk-based capital ratio | 26.6454% | 815 |
| Memoranda: | ||
| Average total assets | $1,291,272,670 | 553 |
| Average earning assets | $1,251,552,330 | 523 |
| Average equity | $133,846,330 | 567 |
| Average total loans | $532,721,670 | 889 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3517% | 6,271 |
| Cost of funding earning assets | 0.2302% | 5,211 |
| Net interest margin | 2.1216% | 6,238 |
| Noninterest income to average assets | 0.3000% | 4,773 |
| Noninterest expense to average assets | 1.6389% | 6,073 |
| Loan and lease loss provision to assets | 0.0466% | 2,996 |
| Net operating income to assets | 0.4469% | 4,887 |
| Return on assets (ROA) | 0.4469% | 5,000 |
| Pretax return on assets | 0.6699% | 4,691 |
| Return on Equity (ROE) | 4.3163% | 4,839 |
| Retained earnings to average equity (ytd only) | 3.0055% | 4,174 |
| Net charge-offs to loans | -0.0517% | 5,532 |
| Credit loss provision to net charge-offs | -220.5882% | 4,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5807% | 3,560 |
| Assets per employee ($millions) | 8.5009% | 438 |
| Cash dividends to net income (ytd only)* | 30.3683% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 1,459 |
| Loan loss allowance to noncurrent loans | 314.4711% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 5,009 |
| Noncurrent loans to loans | 0.5778% | 3,849 |
| Net loans and leases to total assets | 39.2696% | 5,642 |
| Net loans and leases to deposits | 44.3321% | 5,745 |
| Net loans and leases to core deposits | 47.2623% | 5,704 |
| Total domestic deposits to total assets | 88.5805% | 1,506 |
| Equity capital to assets | 10.3105% | 3,764 |
| Core capital (leverage) ratio | 10.5099% | 2,946 |
| Tier 1 risk-based capital ratio | 26.5137% | 753 |
| Total risk-based capital ratio | 27.7716% | 734 |
| Memoranda: | ||
| Average total assets | $1,287,906,000 | 548 |
| Average earning assets | $1,247,766,500 | 518 |
| Average equity | $133,356,000 | 570 |
| Average total loans | $526,325,000 | 895 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4290% | 6,343 |
| Cost of funding earning assets | 0.2657% | 5,156 |
| Net interest margin | 2.1633% | 6,320 |
| Noninterest income to average assets | 0.2887% | 5,053 |
| Noninterest expense to average assets | 1.6387% | 6,208 |
| Loan and lease loss provision to assets | 0.0485% | 3,599 |
| Net operating income to assets | 0.4595% | 4,969 |
| Return on assets (ROA) | 0.4595% | 5,063 |
| Pretax return on assets | 0.6890% | 4,663 |
| Return on Equity (ROE) | 4.3400% | 4,964 |
| Retained earnings to average equity (ytd only) | 2.8087% | 4,243 |
| Net charge-offs to loans | 0.0321% | 4,185 |
| Credit loss provision to net charge-offs | 368.0982% | 713 |
| Earnings coverage of net charge-offs (x) | 55.9264% | 843 |
| Efficiency ratio | 68.9626% | 3,720 |
| Assets per employee ($millions) | 8.1222% | 515 |
| Cash dividends to net income (ytd only)* | 35.2817% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 1,691 |
| Loan loss allowance to noncurrent loans | 283.1085% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 5,008 |
| Noncurrent loans to loans | 0.6126% | 3,846 |
| Net loans and leases to total assets | 41.0302% | 5,687 |
| Net loans and leases to deposits | 46.2774% | 5,783 |
| Net loans and leases to core deposits | 49.5165% | 5,736 |
| Total domestic deposits to total assets | 88.6615% | 1,438 |
| Equity capital to assets | 10.3994% | 3,609 |
| Core capital (leverage) ratio | 10.4239% | 3,034 |
| Tier 1 risk-based capital ratio | 27.9942% | 615 |
| Total risk-based capital ratio | 29.2530% | 602 |
| Memoranda: | ||
| Average total assets | $1,236,073,400 | 548 |
| Average earning assets | $1,192,770,200 | 516 |
| Average equity | $130,877,000 | 553 |
| Average total loans | $507,578,800 | 879 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4382% | 6,424 |
| Cost of funding earning assets | 0.2700% | 5,200 |
| Net interest margin | 2.1682% | 6,403 |
| Noninterest income to average assets | 0.2913% | 5,111 |
| Noninterest expense to average assets | 1.6363% | 6,260 |
| Loan and lease loss provision to assets | 0.0489% | 3,400 |
| Net operating income to assets | 0.4647% | 5,019 |
| Return on assets (ROA) | 0.4647% | 5,096 |
| Pretax return on assets | 0.6970% | 4,708 |
| Return on Equity (ROE) | 4.3686% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.0296% | 4,460 |
| Net charge-offs to loans | 0.0035% | 4,581 |
| Credit loss provision to net charge-offs | 3,461.5385% | 106 |
| Earnings coverage of net charge-offs (x) | 527.8575% | 146 |
| Efficiency ratio | 68.6870% | 3,729 |
| Assets per employee ($millions) | 7.9393% | 539 |
| Cash dividends to net income (ytd only)* | 30.6504% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 1,643 |
| Loan loss allowance to noncurrent loans | 231.8604% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 4,992 |
| Noncurrent loans to loans | 0.7871% | 3,614 |
| Net loans and leases to total assets | 39.8580% | 5,824 |
| Net loans and leases to deposits | 45.2730% | 5,915 |
| Net loans and leases to core deposits | 49.1601% | 5,832 |
| Total domestic deposits to total assets | 88.0392% | 1,742 |
| Equity capital to assets | 10.5760% | 3,462 |
| Core capital (leverage) ratio | 10.5883% | 2,938 |
| Tier 1 risk-based capital ratio | 29.2718% | 562 |
| Total risk-based capital ratio | 30.5320% | 548 |
| Memoranda: | ||
| Average total assets | $1,226,296,500 | 548 |
| Average earning assets | $1,182,662,750 | 519 |
| Average equity | $130,443,500 | 557 |
| Average total loans | $501,362,500 | 895 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4627% | 6,485 |
| Cost of funding earning assets | 0.2729% | 5,259 |
| Net interest margin | 2.1898% | 6,456 |
| Noninterest income to average assets | 0.2773% | 5,211 |
| Noninterest expense to average assets | 1.6491% | 6,318 |
| Loan and lease loss provision to assets | 0.0492% | 3,319 |
| Net operating income to assets | 0.4579% | 4,982 |
| Return on assets (ROA) | 0.4579% | 5,052 |
| Pretax return on assets | 0.6884% | 4,680 |
| Return on Equity (ROE) | 4.2960% | 5,020 |
| Retained earnings to average equity (ytd only) | 2.9527% | 4,323 |
| Net charge-offs to loans | -0.0596% | 5,949 |
| Credit loss provision to net charge-offs | -201.3423% | 5,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0944% | 3,818 |
| Assets per employee ($millions) | 8.0367% | 486 |
| Cash dividends to net income (ytd only)* | 31.2679% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8431% | 1,722 |
| Loan loss allowance to noncurrent loans | 211.4567% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 4,766 |
| Noncurrent loans to loans | 0.8716% | 3,523 |
| Net loans and leases to total assets | 40.5808% | 5,780 |
| Net loans and leases to deposits | 46.2524% | 5,872 |
| Net loans and leases to core deposits | 50.2222% | 5,781 |
| Total domestic deposits to total assets | 87.7377% | 2,064 |
| Equity capital to assets | 10.7820% | 3,110 |
| Core capital (leverage) ratio | 10.6796% | 2,745 |
| Tier 1 risk-based capital ratio | 29.1517% | 567 |
| Total risk-based capital ratio | 30.4119% | 554 |
| Memoranda: | ||
| Average total assets | $1,219,572,000 | 554 |
| Average earning assets | $1,174,792,670 | 521 |
| Average equity | $129,982,330 | 557 |
| Average total loans | $499,799,000 | 891 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4650% | 6,555 |
| Cost of funding earning assets | 0.2728% | 5,355 |
| Net interest margin | 2.1922% | 6,530 |
| Noninterest income to average assets | 0.2948% | 5,013 |
| Noninterest expense to average assets | 1.6555% | 6,385 |
| Loan and lease loss provision to assets | 0.0491% | 3,114 |
| Net operating income to assets | 0.4675% | 4,857 |
| Return on assets (ROA) | 0.4675% | 4,926 |
| Pretax return on assets | 0.7038% | 4,475 |
| Return on Equity (ROE) | 4.4122% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.0629% | 4,277 |
| Net charge-offs to loans | -0.0433% | 5,748 |
| Credit loss provision to net charge-offs | -277.7778% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7407% | 4,056 |
| Assets per employee ($millions) | 8.0229% | 475 |
| Cash dividends to net income (ytd only)* | 30.5808% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 2,003 |
| Loan loss allowance to noncurrent loans | 228.5932% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 5,030 |
| Noncurrent loans to loans | 0.7923% | 3,887 |
| Net loans and leases to total assets | 39.7599% | 5,825 |
| Net loans and leases to deposits | 45.1988% | 5,908 |
| Net loans and leases to core deposits | 49.1307% | 5,817 |
| Total domestic deposits to total assets | 87.9667% | 2,249 |
| Equity capital to assets | 10.6063% | 3,135 |
| Core capital (leverage) ratio | 10.7218% | 2,679 |
| Tier 1 risk-based capital ratio | 29.3867% | 553 |
| Total risk-based capital ratio | 30.3860% | 556 |
| Memoranda: | ||
| Average total assets | $1,222,585,500 | 556 |
| Average earning assets | $1,178,750,000 | 521 |
| Average equity | $129,551,000 | 562 |
| Average total loans | $498,842,000 | 892 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4240% | 6,640 |
| Cost of funding earning assets | 0.3133% | 5,483 |
| Net interest margin | 2.1107% | 6,614 |
| Noninterest income to average assets | 0.2677% | 5,431 |
| Noninterest expense to average assets | 1.5807% | 6,524 |
| Loan and lease loss provision to assets | 0.0405% | 4,306 |
| Net operating income to assets | 0.4535% | 4,937 |
| Return on assets (ROA) | 0.4535% | 5,066 |
| Pretax return on assets | 0.6791% | 4,612 |
| Return on Equity (ROE) | 4.4009% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.1987% | 3,187 |
| Net charge-offs to loans | 0.1742% | 3,089 |
| Credit loss provision to net charge-offs | 62.2665% | 3,505 |
| Earnings coverage of net charge-offs (x) | 11.0535% | 2,282 |
| Efficiency ratio | 68.7145% | 4,062 |
| Assets per employee ($millions) | 7.8056% | 522 |
| Cash dividends to net income (ytd only)* | 4.5950% | 4,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 2,203 |
| Loan loss allowance to noncurrent loans | 217.2346% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 4,968 |
| Noncurrent loans to loans | 0.8090% | 3,949 |
| Net loans and leases to total assets | 40.3912% | 5,932 |
| Net loans and leases to deposits | 45.8284% | 6,025 |
| Net loans and leases to core deposits | 49.8982% | 5,940 |
| Total domestic deposits to total assets | 88.1357% | 2,098 |
| Equity capital to assets | 10.5866% | 3,064 |
| Core capital (leverage) ratio | 10.6198% | 2,760 |
| Tier 1 risk-based capital ratio | 28.9173% | 559 |
| Total risk-based capital ratio | 30.1766% | 550 |
| Memoranda: | ||
| Average total assets | $1,233,343,000 | 529 |
| Average earning assets | $1,187,684,800 | 505 |
| Average equity | $127,087,600 | 559 |
| Average total loans | $460,928,000 | 922 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3948% | 6,730 |
| Cost of funding earning assets | 0.3222% | 5,529 |
| Net interest margin | 2.0727% | 6,705 |
| Noninterest income to average assets | 0.2767% | 5,467 |
| Noninterest expense to average assets | 1.5979% | 6,556 |
| Loan and lease loss provision to assets | 0.0539% | 3,957 |
| Net operating income to assets | 0.4149% | 5,185 |
| Return on assets (ROA) | 0.4149% | 5,328 |
| Pretax return on assets | 0.6203% | 4,951 |
| Return on Equity (ROE) | 4.0536% | 5,199 |
| Retained earnings to average equity (ytd only) | 4.0536% | 3,807 |
| Net charge-offs to loans | 0.2315% | 2,415 |
| Credit loss provision to net charge-offs | 63.8570% | 3,207 |
| Earnings coverage of net charge-offs (x) | 7.9898% | 2,691 |
| Efficiency ratio | 70.3282% | 3,700 |
| Assets per employee ($millions) | 7.6081% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8184% | 2,244 |
| Loan loss allowance to noncurrent loans | 269.9939% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 5,304 |
| Noncurrent loans to loans | 0.6735% | 4,520 |
| Net loans and leases to total assets | 39.6070% | 6,057 |
| Net loans and leases to deposits | 45.0211% | 6,156 |
| Net loans and leases to core deposits | 49.0870% | 6,066 |
| Total domestic deposits to total assets | 87.9741% | 2,147 |
| Equity capital to assets | 10.6276% | 3,131 |
| Core capital (leverage) ratio | 10.2447% | 3,333 |
| Tier 1 risk-based capital ratio | 29.1218% | 562 |
| Total risk-based capital ratio | 30.3815% | 551 |
| Memoranda: | ||
| Average total assets | $1,237,261,250 | 530 |
| Average earning assets | $1,191,098,250 | 504 |
| Average equity | $126,632,000 | 567 |
| Average total loans | $451,002,750 | 950 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3508% | 6,786 |
| Cost of funding earning assets | 0.3311% | 5,558 |
| Net interest margin | 2.0197% | 6,758 |
| Noninterest income to average assets | 0.2674% | 5,540 |
| Noninterest expense to average assets | 1.5975% | 6,592 |
| Loan and lease loss provision to assets | 0.0801% | 3,456 |
| Net operating income to assets | 0.3585% | 5,370 |
| Return on assets (ROA) | 0.3585% | 5,549 |
| Pretax return on assets | 0.5345% | 5,254 |
| Return on Equity (ROE) | 3.5467% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.5467% | 4,061 |
| Net charge-offs to loans | 0.4035% | 1,603 |
| Credit loss provision to net charge-offs | 56.3698% | 3,087 |
| Earnings coverage of net charge-offs (x) | 4.3269% | 3,164 |
| Efficiency ratio | 72.2166% | 3,435 |
| Assets per employee ($millions) | 8.1524% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9328% | 2,011 |
| Loan loss allowance to noncurrent loans | 249.6133% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 5,363 |
| Noncurrent loans to loans | 0.7743% | 4,371 |
| Net loans and leases to total assets | 35.4470% | 6,334 |
| Net loans and leases to deposits | 39.9419% | 6,405 |
| Net loans and leases to core deposits | 43.3390% | 6,357 |
| Total domestic deposits to total assets | 88.7464% | 1,760 |
| Equity capital to assets | 10.1272% | 3,755 |
| Core capital (leverage) ratio | 10.0057% | 3,508 |
| Tier 1 risk-based capital ratio | 31.0623% | 473 |
| Total risk-based capital ratio | 32.3237% | 468 |
| Memoranda: | ||
| Average total assets | $1,248,987,000 | 525 |
| Average earning assets | $1,202,549,670 | 499 |
| Average equity | $126,258,330 | 574 |
| Average total loans | $439,694,670 | 970 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3425% | 6,858 |
| Cost of funding earning assets | 0.3472% | 5,562 |
| Net interest margin | 1.9953% | 6,843 |
| Noninterest income to average assets | 0.2842% | 5,429 |
| Noninterest expense to average assets | 1.6162% | 6,657 |
| Loan and lease loss provision to assets | 0.0960% | 3,074 |
| Net operating income to assets | 0.3290% | 5,450 |
| Return on assets (ROA) | 0.3290% | 5,587 |
| Pretax return on assets | 0.4900% | 5,295 |
| Return on Equity (ROE) | 3.2576% | 5,464 |
| Retained earnings to average equity (ytd only) | 3.2576% | 4,301 |
| Net charge-offs to loans | 0.8799% | 690 |
| Credit loss provision to net charge-offs | 31.4136% | 2,870 |
| Earnings coverage of net charge-offs (x) | 1.9173% | 3,198 |
| Efficiency ratio | 73.3905% | 3,374 |
| Assets per employee ($millions) | 8.0134% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9815% | 2,096 |
| Loan loss allowance to noncurrent loans | 239.7389% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 5,455 |
| Noncurrent loans to loans | 0.8265% | 4,471 |
| Net loans and leases to total assets | 33.6365% | 6,434 |
| Net loans and leases to deposits | 37.9181% | 6,509 |
| Net loans and leases to core deposits | 41.2190% | 6,430 |
| Total domestic deposits to total assets | 88.7083% | 1,866 |
| Equity capital to assets | 10.1850% | 3,919 |
| Core capital (leverage) ratio | 9.8807% | 3,556 |
| Tier 1 risk-based capital ratio | 32.6819% | 426 |
| Total risk-based capital ratio | 33.9441% | 415 |
| Memoranda: | ||
| Average total assets | $1,249,823,500 | 530 |
| Average earning assets | $1,201,447,500 | 499 |
| Average equity | $126,228,500 | 580 |
| Average total loans | $434,117,500 | 984 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5907% | 6,908 |
| Cost of funding earning assets | 0.4276% | 5,738 |
| Net interest margin | 2.1631% | 6,886 |
| Noninterest income to average assets | 0.3454% | 4,995 |
| Noninterest expense to average assets | 1.5993% | 6,808 |
| Loan and lease loss provision to assets | 0.0986% | 4,411 |
| Net operating income to assets | 0.4833% | 4,752 |
| Return on assets (ROA) | 0.4833% | 5,005 |
| Pretax return on assets | 0.7218% | 4,586 |
| Return on Equity (ROE) | 4.6745% | 4,847 |
| Retained earnings to average equity (ytd only) | 1.4893% | 5,121 |
| Net charge-offs to loans | 0.0124% | 5,748 |
| Credit loss provision to net charge-offs | 2,352.9412% | 102 |
| Earnings coverage of net charge-offs (x) | 195.7843% | 216 |
| Efficiency ratio | 66.0951% | 4,484 |
| Assets per employee ($millions) | 8.2735% | 447 |
| Cash dividends to net income (ytd only)* | 68.1401% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0591% | 1,864 |
| Loan loss allowance to noncurrent loans | 194.2583% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 5,411 |
| Noncurrent loans to loans | 1.0600% | 4,094 |
| Net loans and leases to total assets | 34.4233% | 6,526 |
| Net loans and leases to deposits | 38.6469% | 6,614 |
| Net loans and leases to core deposits | 42.0166% | 6,548 |
| Total domestic deposits to total assets | 89.0713% | 1,513 |
| Equity capital to assets | 10.0154% | 4,144 |
| Core capital (leverage) ratio | 9.7657% | 3,703 |
| Tier 1 risk-based capital ratio | 30.8624% | 477 |
| Total risk-based capital ratio | 32.1252% | 466 |
| Memoranda: | ||
| Average total assets | $1,217,116,400 | 540 |
| Average earning assets | $1,167,111,600 | 510 |
| Average equity | $125,831,000 | 572 |
| Average total loans | $411,515,200 | 1,018 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6255% | 7,024 |
| Cost of funding earning assets | 0.4434% | 5,845 |
| Net interest margin | 2.1821% | 6,995 |
| Noninterest income to average assets | 0.3592% | 4,952 |
| Noninterest expense to average assets | 1.6253% | 6,855 |
| Loan and lease loss provision to assets | 0.0994% | 4,322 |
| Net operating income to assets | 0.4860% | 4,897 |
| Return on assets (ROA) | 0.4860% | 5,160 |
| Pretax return on assets | 0.7269% | 4,764 |
| Return on Equity (ROE) | 4.6633% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.2749% | 4,567 |
| Net charge-offs to loans | 0.0314% | 5,205 |
| Credit loss provision to net charge-offs | 947.3684% | 303 |
| Earnings coverage of net charge-offs (x) | 78.7390% | 524 |
| Efficiency ratio | 66.2957% | 4,396 |
| Assets per employee ($millions) | 8.1047% | 462 |
| Cash dividends to net income (ytd only)* | 29.7727% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0227% | 2,104 |
| Loan loss allowance to noncurrent loans | 143.9586% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 5,279 |
| Noncurrent loans to loans | 1.4050% | 3,691 |
| Net loans and leases to total assets | 34.2078% | 6,647 |
| Net loans and leases to deposits | 38.6514% | 6,731 |
| Net loans and leases to core deposits | 42.0716% | 6,667 |
| Total domestic deposits to total assets | 88.5035% | 1,722 |
| Equity capital to assets | 10.2969% | 4,080 |
| Core capital (leverage) ratio | 10.1832% | 3,304 |
| Tier 1 risk-based capital ratio | 31.6097% | 457 |
| Total risk-based capital ratio | 32.8715% | 453 |
| Memoranda: | ||
| Average total assets | $1,207,002,750 | 545 |
| Average earning assets | $1,157,353,250 | 519 |
| Average equity | $125,801,000 | 571 |
| Average total loans | $403,894,500 | 1,040 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6739% | 7,081 |
| Cost of funding earning assets | 0.4616% | 5,896 |
| Net interest margin | 2.2122% | 7,040 |
| Noninterest income to average assets | 0.3839% | 4,764 |
| Noninterest expense to average assets | 1.6540% | 6,879 |
| Loan and lease loss provision to assets | 0.1003% | 4,274 |
| Net operating income to assets | 0.5015% | 4,814 |
| Return on assets (ROA) | 0.5015% | 5,068 |
| Pretax return on assets | 0.7492% | 4,659 |
| Return on Equity (ROE) | 4.7918% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.3953% | 4,341 |
| Net charge-offs to loans | 0.0776% | 4,375 |
| Credit loss provision to net charge-offs | 392.1569% | 751 |
| Earnings coverage of net charge-offs (x) | 33.2026% | 1,003 |
| Efficiency ratio | 66.0677% | 4,518 |
| Assets per employee ($millions) | 7.9049% | 489 |
| Cash dividends to net income (ytd only)* | 29.1430% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0466% | 2,113 |
| Loan loss allowance to noncurrent loans | 125.3395% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 5,187 |
| Noncurrent loans to loans | 1.6328% | 3,459 |
| Net loans and leases to total assets | 33.2378% | 6,760 |
| Net loans and leases to deposits | 37.5563% | 6,822 |
| Net loans and leases to core deposits | 40.8109% | 6,782 |
| Total domestic deposits to total assets | 88.5011% | 1,814 |
| Equity capital to assets | 10.4695% | 3,722 |
| Core capital (leverage) ratio | 10.3416% | 2,996 |
| Tier 1 risk-based capital ratio | 32.7227% | 414 |
| Total risk-based capital ratio | 33.9848% | 404 |
| Memoranda: | ||
| Average total assets | $1,195,997,000 | 554 |
| Average earning assets | $1,145,893,670 | 524 |
| Average equity | $125,173,330 | 574 |
| Average total loans | $394,212,330 | 1,069 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7108% | 7,138 |
| Cost of funding earning assets | 0.4841% | 5,911 |
| Net interest margin | 2.2267% | 7,086 |
| Noninterest income to average assets | 0.4547% | 4,264 |
| Noninterest expense to average assets | 1.7026% | 6,894 |
| Loan and lease loss provision to assets | 0.1009% | 4,080 |
| Net operating income to assets | 0.5220% | 4,727 |
| Return on assets (ROA) | 0.5220% | 4,935 |
| Pretax return on assets | 0.7817% | 4,485 |
| Return on Equity (ROE) | 4.9884% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.5838% | 4,427 |
| Net charge-offs to loans | -0.0352% | 6,399 |
| Credit loss provision to net charge-offs | -882.3529% | 5,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8600% | 4,581 |
| Assets per employee ($millions) | 7.6656% | 564 |
| Cash dividends to net income (ytd only)* | 28.1572% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1131% | 2,073 |
| Loan loss allowance to noncurrent loans | 218.8012% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 5,790 |
| Noncurrent loans to loans | 0.9658% | 4,745 |
| Net loans and leases to total assets | 32.3051% | 6,811 |
| Net loans and leases to deposits | 36.5154% | 6,872 |
| Net loans and leases to core deposits | 39.6490% | 6,828 |
| Total domestic deposits to total assets | 88.4699% | 2,028 |
| Equity capital to assets | 10.5007% | 3,489 |
| Core capital (leverage) ratio | 10.3634% | 2,913 |
| Tier 1 risk-based capital ratio | 33.3192% | 386 |
| Total risk-based capital ratio | 34.5819% | 380 |
| Memoranda: | ||
| Average total assets | $1,189,271,000 | 557 |
| Average earning assets | $1,137,833,000 | 525 |
| Average equity | $124,448,500 | 579 |
| Average total loans | $386,122,000 | 1,100 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9385% | 7,192 |
| Cost of funding earning assets | 0.6142% | 6,021 |
| Net interest margin | 2.3243% | 7,138 |
| Noninterest income to average assets | 0.3312% | 5,165 |
| Noninterest expense to average assets | 1.7336% | 7,029 |
| Loan and lease loss provision to assets | 0.1047% | 5,277 |
| Net operating income to assets | 0.4811% | 4,504 |
| Return on assets (ROA) | 0.4811% | 4,714 |
| Pretax return on assets | 0.7161% | 4,262 |
| Return on Equity (ROE) | 4.5328% | 4,610 |
| Retained earnings to average equity (ytd only) | 2.8865% | 4,190 |
| Net charge-offs to loans | 0.4065% | 3,389 |
| Credit loss provision to net charge-offs | 82.3610% | 4,350 |
| Earnings coverage of net charge-offs (x) | 6.4578% | 2,512 |
| Efficiency ratio | 67.8676% | 4,392 |
| Assets per employee ($millions) | 7.6798% | 529 |
| Cash dividends to net income (ytd only)* | 36.3191% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0920% | 2,026 |
| Loan loss allowance to noncurrent loans | 209.5941% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 5,879 |
| Noncurrent loans to loans | 0.9981% | 4,709 |
| Net loans and leases to total assets | 31.2647% | 6,964 |
| Net loans and leases to deposits | 35.3182% | 7,018 |
| Net loans and leases to core deposits | 38.3008% | 6,996 |
| Total domestic deposits to total assets | 88.5229% | 1,842 |
| Equity capital to assets | 10.4280% | 3,612 |
| Core capital (leverage) ratio | 10.1588% | 3,156 |
| Tier 1 risk-based capital ratio | 33.6372% | 373 |
| Total risk-based capital ratio | 34.8992% | 367 |
| Memoranda: | ||
| Average total assets | $1,146,322,800 | 564 |
| Average earning assets | $1,096,473,600 | 537 |
| Average equity | $121,669,600 | 572 |
| Average total loans | $358,397,200 | 1,182 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9812% | 7,265 |
| Cost of funding earning assets | 0.6404% | 6,090 |
| Net interest margin | 2.3408% | 7,200 |
| Noninterest income to average assets | 0.3392% | 5,143 |
| Noninterest expense to average assets | 1.7664% | 7,033 |
| Loan and lease loss provision to assets | 0.1057% | 5,122 |
| Net operating income to assets | 0.4752% | 4,658 |
| Return on assets (ROA) | 0.4752% | 4,851 |
| Pretax return on assets | 0.7070% | 4,447 |
| Return on Equity (ROE) | 4.4563% | 4,793 |
| Retained earnings to average equity (ytd only) | 3.0135% | 4,540 |
| Net charge-offs to loans | 0.4914% | 2,784 |
| Credit loss provision to net charge-offs | 69.1776% | 4,508 |
| Earnings coverage of net charge-offs (x) | 5.3190% | 2,821 |
| Efficiency ratio | 68.4896% | 4,217 |
| Assets per employee ($millions) | 7.6908% | 535 |
| Cash dividends to net income (ytd only)* | 32.3776% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2191% | 1,821 |
| Loan loss allowance to noncurrent loans | 188.5080% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 5,653 |
| Noncurrent loans to loans | 1.1772% | 4,578 |
| Net loans and leases to total assets | 29.4314% | 7,101 |
| Net loans and leases to deposits | 33.3859% | 7,147 |
| Net loans and leases to core deposits | 36.3671% | 7,110 |
| Total domestic deposits to total assets | 88.1553% | 1,951 |
| Equity capital to assets | 10.5869% | 3,593 |
| Core capital (leverage) ratio | 10.3083% | 3,072 |
| Tier 1 risk-based capital ratio | 35.8475% | 321 |
| Total risk-based capital ratio | 37.1109% | 318 |
| Memoranda: | ||
| Average total assets | $1,135,311,500 | 583 |
| Average earning assets | $1,086,374,750 | 546 |
| Average equity | $121,054,250 | 579 |
| Average total loans | $352,967,250 | 1,212 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0476% | 7,329 |
| Cost of funding earning assets | 0.6688% | 6,128 |
| Net interest margin | 2.3787% | 7,243 |
| Noninterest income to average assets | 0.3322% | 5,234 |
| Noninterest expense to average assets | 1.8125% | 7,071 |
| Loan and lease loss provision to assets | 0.1068% | 4,965 |
| Net operating income to assets | 0.4590% | 4,681 |
| Return on assets (ROA) | 0.4590% | 4,812 |
| Pretax return on assets | 0.6846% | 4,442 |
| Return on Equity (ROE) | 4.2946% | 4,797 |
| Retained earnings to average equity (ytd only) | 2.8414% | 4,478 |
| Net charge-offs to loans | 0.7404% | 2,024 |
| Credit loss provision to net charge-offs | 45.8716% | 4,678 |
| Earnings coverage of net charge-offs (x) | 3.4006% | 3,185 |
| Efficiency ratio | 69.6071% | 4,184 |
| Assets per employee ($millions) | 7.3305% | 622 |
| Cash dividends to net income (ytd only)* | 33.8372% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1421% | 2,026 |
| Loan loss allowance to noncurrent loans | 137.8354% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,692 |
| Noncurrent loans to loans | 1.5541% | 4,075 |
| Net loans and leases to total assets | 30.3544% | 7,169 |
| Net loans and leases to deposits | 34.4633% | 7,202 |
| Net loans and leases to core deposits | 37.6607% | 7,181 |
| Total domestic deposits to total assets | 88.0775% | 2,095 |
| Equity capital to assets | 10.7922% | 3,181 |
| Core capital (leverage) ratio | 10.4780% | 2,731 |
| Tier 1 risk-based capital ratio | 35.9939% | 322 |
| Total risk-based capital ratio | 37.2577% | 316 |
| Memoranda: | ||
| Average total assets | $1,124,082,330 | 597 |
| Average earning assets | $1,073,507,670 | 559 |
| Average equity | $120,152,000 | 583 |
| Average total loans | $353,336,000 | 1,224 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0942% | 7,377 |
| Cost of funding earning assets | 0.6830% | 6,235 |
| Net interest margin | 2.4113% | 7,251 |
| Noninterest income to average assets | 0.3491% | 5,112 |
| Noninterest expense to average assets | 1.9153% | 6,965 |
| Loan and lease loss provision to assets | 0.1070% | 4,672 |
| Net operating income to assets | 0.4140% | 4,883 |
| Return on assets (ROA) | 0.4140% | 4,977 |
| Pretax return on assets | 0.6169% | 4,623 |
| Return on Equity (ROE) | 3.8923% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.4306% | 4,691 |
| Net charge-offs to loans | 0.0518% | 4,418 |
| Credit loss provision to net charge-offs | 652.1739% | 577 |
| Earnings coverage of net charge-offs (x) | 44.1304% | 632 |
| Efficiency ratio | 72.5713% | 3,756 |
| Assets per employee ($millions) | 7.4126% | 607 |
| Cash dividends to net income (ytd only)* | 37.5538% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3855% | 1,623 |
| Loan loss allowance to noncurrent loans | 136.2583% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 5,577 |
| Noncurrent loans to loans | 1.7507% | 3,888 |
| Net loans and leases to total assets | 30.7361% | 7,209 |
| Net loans and leases to deposits | 34.7982% | 7,255 |
| Net loans and leases to core deposits | 38.1125% | 7,216 |
| Total domestic deposits to total assets | 88.3267% | 2,181 |
| Equity capital to assets | 10.6263% | 3,062 |
| Core capital (leverage) ratio | 10.5709% | 2,541 |
| Tier 1 risk-based capital ratio | 34.5288% | 362 |
| Total risk-based capital ratio | 35.7940% | 353 |
| Memoranda: | ||
| Average total assets | $1,121,676,500 | 601 |
| Average earning assets | $1,065,336,500 | 568 |
| Average equity | $119,312,000 | 582 |
| Average total loans | $354,919,000 | 1,234 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3405% | 7,435 |
| Cost of funding earning assets | 0.8036% | 6,548 |
| Net interest margin | 2.5369% | 7,251 |
| Noninterest income to average assets | 0.3426% | 5,341 |
| Noninterest expense to average assets | 1.8321% | 7,231 |
| Loan and lease loss provision to assets | 0.1134% | 6,028 |
| Net operating income to assets | 0.5400% | 3,925 |
| Return on assets (ROA) | 0.5400% | 4,076 |
| Pretax return on assets | 0.7962% | 3,651 |
| Return on Equity (ROE) | 5.0815% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.3703% | 3,509 |
| Net charge-offs to loans | 0.0121% | 6,708 |
| Credit loss provision to net charge-offs | 2,976.1905% | 78 |
| Earnings coverage of net charge-offs (x) | 238.6667% | 97 |
| Efficiency ratio | 66.8244% | 4,794 |
| Assets per employee ($millions) | 7.2509% | 666 |
| Cash dividends to net income (ytd only)* | 33.6750% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3120% | 1,674 |
| Loan loss allowance to noncurrent loans | 160.6144% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 5,846 |
| Noncurrent loans to loans | 1.4395% | 4,327 |
| Net loans and leases to total assets | 31.0627% | 7,315 |
| Net loans and leases to deposits | 35.1627% | 7,369 |
| Net loans and leases to core deposits | 38.5480% | 7,337 |
| Total domestic deposits to total assets | 88.3398% | 2,046 |
| Equity capital to assets | 10.6476% | 3,027 |
| Core capital (leverage) ratio | 10.4326% | 2,630 |
| Tier 1 risk-based capital ratio | 34.2336% | 364 |
| Total risk-based capital ratio | 35.4978% | 358 |
| Memoranda: | ||
| Average total assets | $1,102,040,800 | 604 |
| Average earning assets | $1,042,194,400 | 576 |
| Average equity | $117,110,200 | 576 |
| Average total loans | $347,009,600 | 1,292 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 7,563 |
| Cost of funding earning assets | 0.8282% | 6,661 |
| Net interest margin | 2.5579% | 7,338 |
| Noninterest income to average assets | 0.3497% | 5,373 |
| Noninterest expense to average assets | 1.8611% | 7,251 |
| Loan and lease loss provision to assets | 0.1092% | 5,939 |
| Net operating income to assets | 0.5402% | 4,131 |
| Return on assets (ROA) | 0.5402% | 4,303 |
| Pretax return on assets | 0.7964% | 3,922 |
| Return on Equity (ROE) | 5.0857% | 4,244 |
| Retained earnings to average equity (ytd only) | 3.5886% | 3,921 |
| Net charge-offs to loans | -0.0495% | 7,469 |
| Credit loss provision to net charge-offs | -703.1250% | 7,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2663% | 4,610 |
| Assets per employee ($millions) | 7.2853% | 682 |
| Cash dividends to net income (ytd only)* | 29.4381% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3203% | 1,595 |
| Loan loss allowance to noncurrent loans | 153.5475% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 5,935 |
| Noncurrent loans to loans | 1.5111% | 4,370 |
| Net loans and leases to total assets | 30.5237% | 7,453 |
| Net loans and leases to deposits | 34.6862% | 7,501 |
| Net loans and leases to core deposits | 37.7630% | 7,467 |
| Total domestic deposits to total assets | 87.9995% | 1,959 |
| Equity capital to assets | 10.7304% | 3,252 |
| Core capital (leverage) ratio | 10.5369% | 2,649 |
| Tier 1 risk-based capital ratio | 34.1741% | 372 |
| Total risk-based capital ratio | 35.4378% | 366 |
| Memoranda: | ||
| Average total assets | $1,098,393,000 | 603 |
| Average earning assets | $1,037,895,000 | 573 |
| Average equity | $116,664,000 | 574 |
| Average total loans | $344,995,750 | 1,317 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 7,627 |
| Cost of funding earning assets | 0.8565% | 6,736 |
| Net interest margin | 2.5806% | 7,365 |
| Noninterest income to average assets | 0.3332% | 5,492 |
| Noninterest expense to average assets | 1.8695% | 7,303 |
| Loan and lease loss provision to assets | 0.1095% | 5,812 |
| Net operating income to assets | 0.5368% | 4,165 |
| Return on assets (ROA) | 0.5368% | 4,311 |
| Pretax return on assets | 0.7897% | 3,920 |
| Return on Equity (ROE) | 5.0714% | 4,259 |
| Retained earnings to average equity (ytd only) | 3.5638% | 3,835 |
| Net charge-offs to loans | -0.0957% | 7,550 |
| Credit loss provision to net charge-offs | -363.6364% | 6,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5218% | 4,672 |
| Assets per employee ($millions) | 7.0306% | 762 |
| Cash dividends to net income (ytd only)* | 29.7279% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2696% | 1,638 |
| Loan loss allowance to noncurrent loans | 224.7106% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 5,976 |
| Noncurrent loans to loans | 1.0100% | 5,293 |
| Net loans and leases to total assets | 29.9156% | 7,540 |
| Net loans and leases to deposits | 33.8783% | 7,581 |
| Net loans and leases to core deposits | 36.4761% | 7,561 |
| Total domestic deposits to total assets | 88.3031% | 1,828 |
| Equity capital to assets | 10.4953% | 3,420 |
| Core capital (leverage) ratio | 10.4389% | 2,677 |
| Tier 1 risk-based capital ratio | 33.8900% | 379 |
| Total risk-based capital ratio | 35.1528% | 375 |
| Memoranda: | ||
| Average total assets | $1,095,402,000 | 601 |
| Average earning assets | $1,033,773,330 | 576 |
| Average equity | $115,943,670 | 571 |
| Average total loans | $344,648,330 | 1,330 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4896% | 7,707 |
| Cost of funding earning assets | 0.8837% | 6,831 |
| Net interest margin | 2.6060% | 7,385 |
| Noninterest income to average assets | 0.3461% | 5,370 |
| Noninterest expense to average assets | 1.9063% | 7,322 |
| Loan and lease loss provision to assets | 0.1107% | 5,516 |
| Net operating income to assets | 0.5302% | 4,232 |
| Return on assets (ROA) | 0.5302% | 4,371 |
| Pretax return on assets | 0.7881% | 3,918 |
| Return on Equity (ROE) | 4.9872% | 4,371 |
| Retained earnings to average equity (ytd only) | 3.4706% | 4,065 |
| Net charge-offs to loans | -0.1885% | 7,659 |
| Credit loss provision to net charge-offs | -184.0491% | 6,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9600% | 4,732 |
| Assets per employee ($millions) | 7.0137% | 808 |
| Cash dividends to net income (ytd only)* | 30.4106% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 1,859 |
| Loan loss allowance to noncurrent loans | 1,688.6878% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 6,621 |
| Noncurrent loans to loans | 0.1272% | 7,088 |
| Net loans and leases to total assets | 31.0859% | 7,593 |
| Net loans and leases to deposits | 35.2464% | 7,638 |
| Net loans and leases to core deposits | 37.9628% | 7,622 |
| Total domestic deposits to total assets | 88.1957% | 1,951 |
| Equity capital to assets | 10.5867% | 3,157 |
| Core capital (leverage) ratio | 10.6608% | 2,483 |
| Tier 1 risk-based capital ratio | 31.6607% | 447 |
| Total risk-based capital ratio | 32.9209% | 442 |
| Memoranda: | ||
| Average total assets | $1,084,170,500 | 624 |
| Average earning assets | $1,023,027,500 | 599 |
| Average equity | $115,254,000 | 581 |
| Average total loans | $345,881,500 | 1,369 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 7,732 |
| Cost of funding earning assets | 1.1704% | 6,763 |
| Net interest margin | 2.7231% | 7,179 |
| Noninterest income to average assets | 0.3270% | 5,743 |
| Noninterest expense to average assets | 2.0258% | 7,333 |
| Loan and lease loss provision to assets | 0.1370% | 6,273 |
| Net operating income to assets | 0.4917% | 3,763 |
| Return on assets (ROA) | 0.4917% | 3,862 |
| Pretax return on assets | 0.7260% | 3,488 |
| Return on Equity (ROE) | 4.4439% | 3,906 |
| Retained earnings to average equity (ytd only) | 2.6720% | 3,282 |
| Net charge-offs to loans | 0.3855% | 4,277 |
| Credit loss provision to net charge-offs | 101.0830% | 5,459 |
| Earnings coverage of net charge-offs (x) | 6.3690% | 2,379 |
| Efficiency ratio | 70.1256% | 4,597 |
| Assets per employee ($millions) | 6.7560% | 884 |
| Cash dividends to net income (ytd only)* | 39.8727% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0341% | 1,949 |
| Loan loss allowance to noncurrent loans | 456.6862% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 6,701 |
| Noncurrent loans to loans | 0.4454% | 6,382 |
| Net loans and leases to total assets | 31.3885% | 7,677 |
| Net loans and leases to deposits | 35.7680% | 7,728 |
| Net loans and leases to core deposits | 43.1063% | 7,715 |
| Total domestic deposits to total assets | 87.7557% | 2,092 |
| Equity capital to assets | 10.6754% | 2,994 |
| Core capital (leverage) ratio | 10.6441% | 2,479 |
| Tier 1 risk-based capital ratio | 30.9427% | 477 |
| Total risk-based capital ratio | 32.2008% | 475 |
| Memoranda: | ||
| Average total assets | $1,022,123,400 | 657 |
| Average earning assets | $961,597,200 | 633 |
| Average equity | $113,097,600 | 579 |
| Average total loans | $359,314,800 | 1,348 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 7,812 |
| Cost of funding earning assets | 1.2363% | 6,774 |
| Net interest margin | 2.7313% | 7,165 |
| Noninterest income to average assets | 0.3301% | 5,848 |
| Noninterest expense to average assets | 2.1196% | 7,155 |
| Loan and lease loss provision to assets | 0.1321% | 6,039 |
| Net operating income to assets | 0.4437% | 4,220 |
| Return on assets (ROA) | 0.4437% | 4,326 |
| Pretax return on assets | 0.6470% | 4,031 |
| Return on Equity (ROE) | 3.9726% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.4228% | 3,969 |
| Net charge-offs to loans | 0.4050% | 3,635 |
| Credit loss provision to net charge-offs | 90.6618% | 5,466 |
| Earnings coverage of net charge-offs (x) | 5.3463% | 2,851 |
| Efficiency ratio | 73.1209% | 4,035 |
| Assets per employee ($millions) | 6.5678% | 957 |
| Cash dividends to net income (ytd only)* | 39.0113% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0054% | 1,786 |
| Loan loss allowance to noncurrent loans | 330.4369% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 6,565 |
| Noncurrent loans to loans | 0.6069% | 6,093 |
| Net loans and leases to total assets | 32.2076% | 7,741 |
| Net loans and leases to deposits | 36.8462% | 7,805 |
| Net loans and leases to core deposits | 44.4344% | 7,792 |
| Total domestic deposits to total assets | 87.4110% | 1,943 |
| Equity capital to assets | 10.9017% | 3,113 |
| Core capital (leverage) ratio | 10.9181% | 2,465 |
| Tier 1 risk-based capital ratio | 30.6952% | 532 |
| Total risk-based capital ratio | 31.9530% | 517 |
| Memoranda: | ||
| Average total assets | $1,009,101,750 | 674 |
| Average earning assets | $949,027,750 | 650 |
| Average equity | $112,703,000 | 593 |
| Average total loans | $363,098,750 | 1,352 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 7,886 |
| Cost of funding earning assets | 1.3252% | 6,717 |
| Net interest margin | 2.7270% | 7,145 |
| Noninterest income to average assets | 0.3385% | 5,808 |
| Noninterest expense to average assets | 2.1916% | 7,079 |
| Loan and lease loss provision to assets | 0.1203% | 5,919 |
| Net operating income to assets | 0.4039% | 4,499 |
| Return on assets (ROA) | 0.4039% | 4,610 |
| Pretax return on assets | 0.5875% | 4,356 |
| Return on Equity (ROE) | 3.5861% | 4,671 |
| Retained earnings to average equity (ytd only) | 2.0299% | 4,212 |
| Net charge-offs to loans | 0.5810% | 2,587 |
| Credit loss provision to net charge-offs | 55.8659% | 5,666 |
| Earnings coverage of net charge-offs (x) | 3.2868% | 3,502 |
| Efficiency ratio | 75.5861% | 3,773 |
| Assets per employee ($millions) | 6.3203% | 1,045 |
| Cash dividends to net income (ytd only)* | 43.3962% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8209% | 1,990 |
| Loan loss allowance to noncurrent loans | 1,623.9401% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 6,866 |
| Noncurrent loans to loans | 0.1121% | 7,241 |
| Net loans and leases to total assets | 34.5046% | 7,754 |
| Net loans and leases to deposits | 39.6113% | 7,828 |
| Net loans and leases to core deposits | 48.4242% | 7,791 |
| Total domestic deposits to total assets | 87.1078% | 2,194 |
| Equity capital to assets | 11.0246% | 2,901 |
| Core capital (leverage) ratio | 10.9678% | 2,426 |
| Tier 1 risk-based capital ratio | 29.1378% | 655 |
| Total risk-based capital ratio | 30.3933% | 637 |
| Memoranda: | ||
| Average total assets | $997,375,000 | 697 |
| Average earning assets | $936,644,330 | 674 |
| Average equity | $112,322,670 | 600 |
| Average total loans | $369,724,670 | 1,343 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 7,929 |
| Cost of funding earning assets | 1.4154% | 6,678 |
| Net interest margin | 2.7119% | 7,176 |
| Noninterest income to average assets | 0.3695% | 5,468 |
| Noninterest expense to average assets | 2.2745% | 6,617 |
| Loan and lease loss provision to assets | 0.1215% | 5,408 |
| Net operating income to assets | 0.3598% | 5,022 |
| Return on assets (ROA) | 0.3598% | 5,204 |
| Pretax return on assets | 0.5218% | 5,014 |
| Return on Equity (ROE) | 3.1604% | 5,298 |
| Retained earnings to average equity (ytd only) | 1.6051% | 4,949 |
| Net charge-offs to loans | 1.1486% | 1,199 |
| Credit loss provision to net charge-offs | 27.8035% | 4,981 |
| Earnings coverage of net charge-offs (x) | 1.4717% | 4,000 |
| Efficiency ratio | 77.9506% | 3,171 |
| Assets per employee ($millions) | 6.2909% | 1,048 |
| Cash dividends to net income (ytd only)* | 49.2117% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 2,199 |
| Loan loss allowance to noncurrent loans | 4,340.5594% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 6,657 |
| Noncurrent loans to loans | 0.0388% | 7,436 |
| Net loans and leases to total assets | 36.2476% | 7,721 |
| Net loans and leases to deposits | 41.8406% | 7,788 |
| Net loans and leases to core deposits | 51.5829% | 7,740 |
| Total domestic deposits to total assets | 86.6327% | 2,392 |
| Equity capital to assets | 11.2496% | 2,767 |
| Core capital (leverage) ratio | 11.4129% | 2,199 |
| Tier 1 risk-based capital ratio | 28.4757% | 720 |
| Total risk-based capital ratio | 29.6678% | 707 |
| Memoranda: | ||
| Average total assets | $987,277,500 | 701 |
| Average earning assets | $927,766,500 | 679 |
| Average equity | $112,392,500 | 600 |
| Average total loans | $375,777,000 | 1,330 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 7,974 |
| Cost of funding earning assets | 1.9656% | 6,521 |
| Net interest margin | 2.7424% | 7,424 |
| Noninterest income to average assets | 0.3684% | 5,759 |
| Noninterest expense to average assets | 2.0274% | 7,392 |
| Loan and lease loss provision to assets | 0.0610% | 6,644 |
| Net operating income to assets | 0.5678% | 4,447 |
| Return on assets (ROA) | 0.5678% | 4,309 |
| Pretax return on assets | 0.8309% | 3,957 |
| Return on Equity (ROE) | 4.8534% | 4,449 |
| Retained earnings to average equity (ytd only) | 3.0375% | 3,277 |
| Net charge-offs to loans | 0.0111% | 6,768 |
| Credit loss provision to net charge-offs | 1,437.5000% | 313 |
| Earnings coverage of net charge-offs (x) | 210.3000% | 228 |
| Efficiency ratio | 69.4498% | 4,454 |
| Assets per employee ($millions) | 6.0893% | 1,092 |
| Cash dividends to net income (ytd only)* | 37.4160% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8251% | 1,573 |
| Loan loss allowance to noncurrent loans | 207.6694% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 6,107 |
| Noncurrent loans to loans | 0.8788% | 4,861 |
| Net loans and leases to total assets | 38.5705% | 7,739 |
| Net loans and leases to deposits | 45.0489% | 7,819 |
| Net loans and leases to core deposits | 55.7524% | 7,748 |
| Total domestic deposits to total assets | 85.6191% | 2,577 |
| Equity capital to assets | 11.5222% | 2,624 |
| Core capital (leverage) ratio | 11.4486% | 2,284 |
| Tier 1 risk-based capital ratio | 28.1640% | 757 |
| Total risk-based capital ratio | 29.4208% | 736 |
| Memoranda: | ||
| Average total assets | $943,226,600 | 703 |
| Average earning assets | $877,346,200 | 689 |
| Average equity | $110,354,600 | 612 |
| Average total loans | $359,811,400 | 1,347 |