Home > Texas Community Bank > Performance and Condition Ratios
Texas Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6719% | 961 |
| Cost of funding earning assets | 1.1800% | 2,855 |
| Net interest margin | 4.4919% | 624 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 1.7308% | 4,098 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.5048% | 236 |
| Return on assets (ROA) | 2.5042% | 232 |
| Pretax return on assets | 3.1734% | 175 |
| Return on Equity (ROE) | 22.8100% | 409 |
| Retained earnings to average equity (ytd only) | 17.3722% | 207 |
| Net charge-offs to loans | 0.0229% | 1,865 |
| Credit loss provision to net charge-offs | 161.1354% | 1,401 |
| Earnings coverage of net charge-offs (x) | 288.5939% | 442 |
| Efficiency ratio | 32.7590% | 4,475 |
| Assets per employee ($millions) | 8.5803% | 1,152 |
| Cash dividends to net income (ytd only)* | 23.8455% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9302% | 433 |
| Loan loss allowance to noncurrent loans | 3,223.4076% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,428 |
| Noncurrent loans to loans | 0.0599% | 3,292 |
| Net loans and leases to total assets | 53.2800% | 3,399 |
| Net loans and leases to deposits | 61.2068% | 3,460 |
| Net loans and leases to core deposits | 74.0093% | 3,075 |
| Total domestic deposits to total assets | 87.0400% | 1,667 |
| Equity capital to assets | 12.5787% | 971 |
| Core capital (leverage) ratio | 12.6626% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4258% | 358 |
| Memoranda: | ||
| Average total assets | $2,009,579,800 | 573 |
| Average earning assets | $1,914,877,000 | 547 |
| Average equity | $220,605,600 | 499 |
| Average total loans | $1,001,199,200 | 726 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4694% | 1,053 |
| Cost of funding earning assets | 1.0766% | 2,809 |
| Net interest margin | 4.3928% | 707 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 1.7318% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.5696% | 249 |
| Return on assets (ROA) | 2.5656% | 247 |
| Pretax return on assets | 3.2472% | 192 |
| Return on Equity (ROE) | 24.2100% | 422 |
| Retained earnings to average equity (ytd only) | 20.4911% | 241 |
| Net charge-offs to loans | 0.0119% | 1,961 |
| Credit loss provision to net charge-offs | -2,194.3182% | 4,616 |
| Earnings coverage of net charge-offs (x) | 562.5000% | 280 |
| Efficiency ratio | 34.7465% | 4,465 |
| Assets per employee ($millions) | 8.6189% | 1,074 |
| Cash dividends to net income (ytd only)* | 15.3649% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7717% | 600 |
| Loan loss allowance to noncurrent loans | 1,325.8065% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 3,138 |
| Noncurrent loans to loans | 0.1336% | 2,887 |
| Net loans and leases to total assets | 51.4700% | 3,532 |
| Net loans and leases to deposits | 58.8349% | 3,565 |
| Net loans and leases to core deposits | 70.6450% | 3,181 |
| Total domestic deposits to total assets | 87.4900% | 1,738 |
| Equity capital to assets | 11.8960% | 1,062 |
| Core capital (leverage) ratio | 12.3853% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1586% | 375 |
| Memoranda: | ||
| Average total assets | $2,029,335,000 | 566 |
| Average earning assets | $1,932,830,250 | 542 |
| Average equity | $215,047,000 | 505 |
| Average total loans | $989,304,500 | 734 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 1,107 |
| Cost of funding earning assets | 0.9472% | 2,787 |
| Net interest margin | 4.3332% | 771 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 1.7016% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.6484% | 209 |
| Return on assets (ROA) | 2.6467% | 208 |
| Pretax return on assets | 3.3478% | 161 |
| Return on Equity (ROE) | 25.9800% | 334 |
| Retained earnings to average equity (ytd only) | 20.2540% | 243 |
| Net charge-offs to loans | 0.0065% | 1,999 |
| Credit loss provision to net charge-offs | -6,034.3750% | 4,660 |
| Earnings coverage of net charge-offs (x) | 1,076.4375% | 132 |
| Efficiency ratio | 33.6850% | 4,507 |
| Assets per employee ($millions) | 8.6921% | 1,007 |
| Cash dividends to net income (ytd only)* | 22.0467% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8472% | 548 |
| Loan loss allowance to noncurrent loans | 3,468.4512% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,521 |
| Noncurrent loans to loans | 0.0533% | 3,320 |
| Net loans and leases to total assets | 49.2900% | 3,597 |
| Net loans and leases to deposits | 55.8808% | 3,651 |
| Net loans and leases to core deposits | 64.6484% | 3,408 |
| Total domestic deposits to total assets | 88.2000% | 1,531 |
| Equity capital to assets | 11.2290% | 1,295 |
| Core capital (leverage) ratio | 11.5383% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2109% | 382 |
| Memoranda: | ||
| Average total assets | $2,056,487,667 | 548 |
| Average earning assets | $1,957,742,333 | 523 |
| Average equity | $209,489,333 | 506 |
| Average total loans | $978,841,333 | 726 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0581% | 1,130 |
| Cost of funding earning assets | 0.8415% | 2,565 |
| Net interest margin | 4.2166% | 924 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 1.6491% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2737% | 335 |
| Return on assets (ROA) | 2.2745% | 335 |
| Pretax return on assets | 2.8790% | 227 |
| Return on Equity (ROE) | 23.4400% | 482 |
| Retained earnings to average equity (ytd only) | 23.4407% | 224 |
| Net charge-offs to loans | -0.0033% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.4269% | 4,529 |
| Assets per employee ($millions) | 9.0993% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 616 |
| Loan loss allowance to noncurrent loans | 4,545.0000% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,610 |
| Noncurrent loans to loans | 0.0404% | 3,447 |
| Net loans and leases to total assets | 47.8500% | 3,646 |
| Net loans and leases to deposits | 53.8261% | 3,697 |
| Net loans and leases to core deposits | 61.6737% | 3,465 |
| Total domestic deposits to total assets | 88.8900% | 1,582 |
| Equity capital to assets | 10.4566% | 1,584 |
| Core capital (leverage) ratio | 10.5600% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9853% | 442 |
| Memoranda: | ||
| Average total assets | $2,106,873,000 | 545 |
| Average earning assets | $2,002,568,000 | 520 |
| Average equity | $204,430,500 | 526 |
| Average total loans | $977,248,000 | 741 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3237% | 3,530 |
| Cost of funding earning assets | 0.2277% | 3,530 |
| Net interest margin | 3.0960% | 3,184 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.6914% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4168% | 1,087 |
| Return on assets (ROA) | 1.4055% | 1,077 |
| Pretax return on assets | 1.7810% | 773 |
| Return on Equity (ROE) | 15.5500% | 1,133 |
| Retained earnings to average equity (ytd only) | 13.9430% | 394 |
| Net charge-offs to loans | -0.0073% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.5091% | 4,211 |
| Assets per employee ($millions) | 9.8405% | 711 |
| Cash dividends to net income (ytd only)* | 10.3072% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 375 |
| Loan loss allowance to noncurrent loans | 3,583.4225% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,571 |
| Noncurrent loans to loans | 0.0581% | 3,340 |
| Net loans and leases to total assets | 43.2700% | 3,918 |
| Net loans and leases to deposits | 47.7187% | 3,986 |
| Net loans and leases to core deposits | 53.7078% | 3,823 |
| Total domestic deposits to total assets | 90.6800% | 1,067 |
| Equity capital to assets | 9.0031% | 2,355 |
| Core capital (leverage) ratio | 9.7162% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2624% | 463 |
| Memoranda: | ||
| Average total assets | $2,070,874,200 | 530 |
| Average earning assets | $1,974,513,000 | 509 |
| Average equity | $187,233,400 | 555 |
| Average total loans | $988,673,800 | 690 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8618% | 4,115 |
| Cost of funding earning assets | 0.1304% | 4,032 |
| Net interest margin | 2.7315% | 3,868 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 1.6603% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1843% | 1,756 |
| Return on assets (ROA) | 1.1694% | 1,794 |
| Pretax return on assets | 1.4829% | 1,463 |
| Return on Equity (ROE) | 12.9200% | 1,722 |
| Retained earnings to average equity (ytd only) | 12.9197% | 624 |
| Net charge-offs to loans | 0.0105% | 1,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 294.9359% | 478 |
| Efficiency ratio | 52.5063% | 3,971 |
| Assets per employee ($millions) | 9.7408% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0416% | 469 |
| Loan loss allowance to noncurrent loans | 3,122.5352% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 3,630 |
| Noncurrent loans to loans | 0.0654% | 3,407 |
| Net loans and leases to total assets | 44.6800% | 3,838 |
| Net loans and leases to deposits | 49.1991% | 3,902 |
| Net loans and leases to core deposits | 55.7498% | 3,641 |
| Total domestic deposits to total assets | 90.8000% | 1,318 |
| Equity capital to assets | 8.7963% | 2,350 |
| Core capital (leverage) ratio | 9.5047% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8208% | 502 |
| Memoranda: | ||
| Average total assets | $2,042,443,500 | 537 |
| Average earning assets | $1,951,532,250 | 514 |
| Average equity | $184,871,250 | 566 |
| Average total loans | $994,482,500 | 679 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4782% | 4,395 |
| Cost of funding earning assets | 0.0762% | 4,414 |
| Net interest margin | 2.4020% | 4,225 |
| Noninterest income to average assets | 0.5908% | 1,781 |
| Noninterest expense to average assets | 1.6732% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9571% | 2,328 |
| Return on assets (ROA) | 0.9371% | 2,392 |
| Pretax return on assets | 1.1842% | 2,127 |
| Return on Equity (ROE) | 10.2504% | 2,243 |
| Retained earnings to average equity (ytd only) | 10.2504% | 960 |
| Net charge-offs to loans | -0.0004% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0432% | 3,553 |
| Assets per employee ($millions) | 9.3160% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0242% | 519 |
| Loan loss allowance to noncurrent loans | 4,584.2105% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,790 |
| Noncurrent loans to loans | 0.0442% | 3,612 |
| Net loans and leases to total assets | 47.0968% | 3,622 |
| Net loans and leases to deposits | 51.8842% | 3,695 |
| Net loans and leases to core deposits | 59.0045% | 3,348 |
| Total domestic deposits to total assets | 90.7729% | 1,355 |
| Equity capital to assets | 8.9088% | 2,442 |
| Core capital (leverage) ratio | 9.4705% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7265% | 559 |
| Memoranda: | ||
| Average total assets | $2,008,933,667 | 545 |
| Average earning assets | $1,916,891,333 | 528 |
| Average equity | $183,660,667 | 581 |
| Average total loans | $1,000,201,000 | 673 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2648% | 4,482 |
| Cost of funding earning assets | 0.0577% | 4,541 |
| Net interest margin | 2.2072% | 4,342 |
| Noninterest income to average assets | 0.6859% | 1,366 |
| Noninterest expense to average assets | 1.6389% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8899% | 2,319 |
| Return on assets (ROA) | 0.8722% | 2,392 |
| Pretax return on assets | 1.1232% | 2,070 |
| Return on Equity (ROE) | 9.4155% | 2,180 |
| Retained earnings to average equity (ytd only) | 9.4155% | 1,162 |
| Net charge-offs to loans | -0.0036% | 3,245 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8589% | 3,597 |
| Assets per employee ($millions) | 9.0988% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 609 |
| Loan loss allowance to noncurrent loans | 5,178.2946% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,862 |
| Noncurrent loans to loans | 0.0386% | 3,698 |
| Net loans and leases to total assets | 49.2491% | 3,250 |
| Net loans and leases to deposits | 54.4358% | 3,386 |
| Net loans and leases to core deposits | 62.1377% | 2,960 |
| Total domestic deposits to total assets | 90.4719% | 1,314 |
| Equity capital to assets | 9.2126% | 2,515 |
| Core capital (leverage) ratio | 9.5368% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0695% | 640 |
| Memoranda: | ||
| Average total assets | $1,983,988,000 | 554 |
| Average earning assets | $1,886,404,500 | 540 |
| Average equity | $183,783,000 | 595 |
| Average total loans | $1,005,464,500 | 663 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5562% | 4,443 |
| Cost of funding earning assets | 0.0653% | 4,614 |
| Net interest margin | 2.4910% | 4,206 |
| Noninterest income to average assets | 0.5139% | 2,503 |
| Noninterest expense to average assets | 1.7787% | 4,174 |
| Loan and lease loss provision to assets | 0.1510% | 797 |
| Net operating income to assets | 0.7423% | 3,511 |
| Return on assets (ROA) | 0.7392% | 3,579 |
| Pretax return on assets | 0.9414% | 3,393 |
| Return on Equity (ROE) | 7.3094% | 3,439 |
| Retained earnings to average equity (ytd only) | 5.6473% | 2,500 |
| Net charge-offs to loans | 0.0157% | 1,996 |
| Credit loss provision to net charge-offs | 1,738.7097% | 343 |
| Earnings coverage of net charge-offs (x) | 126.2387% | 750 |
| Efficiency ratio | 61.8666% | 2,888 |
| Assets per employee ($millions) | 8.9382% | 937 |
| Cash dividends to net income (ytd only)* | 22.7393% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9842% | 620 |
| Loan loss allowance to noncurrent loans | 3,596.2298% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,843 |
| Noncurrent loans to loans | 0.0552% | 3,685 |
| Net loans and leases to total assets | 50.0928% | 3,262 |
| Net loans and leases to deposits | 55.3258% | 3,483 |
| Net loans and leases to core deposits | 63.2079% | 3,057 |
| Total domestic deposits to total assets | 90.5416% | 693 |
| Equity capital to assets | 9.3144% | 3,304 |
| Core capital (leverage) ratio | 9.5718% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4019% | 708 |
| Memoranda: | ||
| Average total assets | $1,784,765,000 | 589 |
| Average earning assets | $1,691,697,800 | 571 |
| Average equity | $180,494,200 | 602 |
| Average total loans | $985,815,600 | 666 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6381% | 4,470 |
| Cost of funding earning assets | 0.0689% | 4,696 |
| Net interest margin | 2.5692% | 4,180 |
| Noninterest income to average assets | 0.5222% | 2,528 |
| Noninterest expense to average assets | 1.9201% | 3,895 |
| Loan and lease loss provision to assets | 0.1692% | 646 |
| Net operating income to assets | 0.6879% | 3,795 |
| Return on assets (ROA) | 0.6856% | 3,864 |
| Pretax return on assets | 0.8697% | 3,758 |
| Return on Equity (ROE) | 6.6309% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.6309% | 2,567 |
| Net charge-offs to loans | 0.0063% | 2,088 |
| Credit loss provision to net charge-offs | 4,793.4783% | 177 |
| Earnings coverage of net charge-offs (x) | 295.0652% | 445 |
| Efficiency ratio | 64.8268% | 2,270 |
| Assets per employee ($millions) | 8.3606% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9882% | 648 |
| Loan loss allowance to noncurrent loans | 4,712.2302% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,036 |
| Noncurrent loans to loans | 0.0422% | 3,906 |
| Net loans and leases to total assets | 52.6639% | 3,122 |
| Net loans and leases to deposits | 59.5363% | 3,271 |
| Net loans and leases to core deposits | 68.2343% | 2,762 |
| Total domestic deposits to total assets | 88.4567% | 1,595 |
| Equity capital to assets | 9.9848% | 2,917 |
| Core capital (leverage) ratio | 9.9377% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6488% | 728 |
| Memoranda: | ||
| Average total assets | $1,737,120,000 | 606 |
| Average earning assets | $1,649,507,250 | 584 |
| Average equity | $179,619,750 | 611 |
| Average total loans | $979,885,250 | 684 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7305% | 4,424 |
| Cost of funding earning assets | 0.0727% | 4,727 |
| Net interest margin | 2.6578% | 4,066 |
| Noninterest income to average assets | 0.5118% | 2,575 |
| Noninterest expense to average assets | 1.9445% | 3,852 |
| Loan and lease loss provision to assets | 0.1891% | 593 |
| Net operating income to assets | 0.7032% | 3,756 |
| Return on assets (ROA) | 0.6996% | 3,830 |
| Pretax return on assets | 0.8896% | 3,682 |
| Return on Equity (ROE) | 6.6829% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.6829% | 2,547 |
| Net charge-offs to loans | -0.0068% | 3,526 |
| Credit loss provision to net charge-offs | -4,878.7879% | 3,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2231% | 2,398 |
| Assets per employee ($millions) | 8.0349% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 624 |
| Loan loss allowance to noncurrent loans | 3,737.1094% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 4,072 |
| Noncurrent loans to loans | 0.0531% | 3,912 |
| Net loans and leases to total assets | 52.9820% | 3,254 |
| Net loans and leases to deposits | 59.2260% | 3,451 |
| Net loans and leases to core deposits | 68.1624% | 2,946 |
| Total domestic deposits to total assets | 89.4573% | 1,051 |
| Equity capital to assets | 10.1335% | 2,738 |
| Core capital (leverage) ratio | 10.1522% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9853% | 709 |
| Memoranda: | ||
| Average total assets | $1,703,047,000 | 614 |
| Average earning assets | $1,612,152,000 | 592 |
| Average equity | $178,275,000 | 613 |
| Average total loans | $977,074,667 | 690 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8934% | 4,266 |
| Cost of funding earning assets | 0.0818% | 4,737 |
| Net interest margin | 2.8116% | 3,731 |
| Noninterest income to average assets | 0.5047% | 2,588 |
| Noninterest expense to average assets | 1.9715% | 3,803 |
| Loan and lease loss provision to assets | 0.2249% | 508 |
| Net operating income to assets | 0.7576% | 3,551 |
| Return on assets (ROA) | 0.7496% | 3,647 |
| Pretax return on assets | 0.9433% | 3,510 |
| Return on Equity (ROE) | 7.0404% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.0404% | 2,567 |
| Net charge-offs to loans | -0.0159% | 3,884 |
| Credit loss provision to net charge-offs | -2,397.4359% | 3,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5907% | 2,660 |
| Assets per employee ($millions) | 7.7586% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 781 |
| Loan loss allowance to noncurrent loans | 4,937.1658% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,210 |
| Noncurrent loans to loans | 0.0377% | 4,091 |
| Net loans and leases to total assets | 57.5334% | 2,853 |
| Net loans and leases to deposits | 64.7144% | 3,061 |
| Net loans and leases to core deposits | 75.1731% | 2,415 |
| Total domestic deposits to total assets | 88.9036% | 1,388 |
| Equity capital to assets | 10.5350% | 2,236 |
| Core capital (leverage) ratio | 10.7046% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2359% | 764 |
| Memoranda: | ||
| Average total assets | $1,662,694,500 | 619 |
| Average earning assets | $1,564,224,500 | 603 |
| Average equity | $177,034,500 | 610 |
| Average total loans | $983,511,500 | 685 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4551% | 4,106 |
| Cost of funding earning assets | 0.2354% | 4,439 |
| Net interest margin | 3.2198% | 3,307 |
| Noninterest income to average assets | 0.5064% | 2,606 |
| Noninterest expense to average assets | 2.0572% | 4,027 |
| Loan and lease loss provision to assets | 0.1441% | 2,560 |
| Net operating income to assets | 1.0476% | 2,110 |
| Return on assets (ROA) | 1.0505% | 2,242 |
| Pretax return on assets | 1.3343% | 1,868 |
| Return on Equity (ROE) | 9.3489% | 2,263 |
| Retained earnings to average equity (ytd only) | 6.4339% | 1,616 |
| Net charge-offs to loans | 0.0217% | 2,625 |
| Credit loss provision to net charge-offs | 1,105.5276% | 728 |
| Earnings coverage of net charge-offs (x) | 113.1256% | 734 |
| Efficiency ratio | 58.2446% | 3,691 |
| Assets per employee ($millions) | 7.3938% | 1,340 |
| Cash dividends to net income (ytd only)* | 31.1798% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 869 |
| Loan loss allowance to noncurrent loans | 14,698.3193% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,412 |
| Noncurrent loans to loans | 0.0122% | 4,326 |
| Net loans and leases to total assets | 58.6263% | 3,021 |
| Net loans and leases to deposits | 66.0338% | 3,268 |
| Net loans and leases to core deposits | 77.5505% | 2,588 |
| Total domestic deposits to total assets | 88.7822% | 1,082 |
| Equity capital to assets | 10.7639% | 2,464 |
| Core capital (leverage) ratio | 10.8707% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1552% | 758 |
| Memoranda: | ||
| Average total assets | $1,526,461,200 | 606 |
| Average earning assets | $1,434,389,000 | 590 |
| Average equity | $171,528,200 | 592 |
| Average total loans | $918,191,600 | 698 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 3,947 |
| Cost of funding earning assets | 0.2836% | 4,376 |
| Net interest margin | 3.3477% | 3,047 |
| Noninterest income to average assets | 0.5128% | 2,552 |
| Noninterest expense to average assets | 2.1238% | 3,888 |
| Loan and lease loss provision to assets | 0.1512% | 2,507 |
| Net operating income to assets | 1.0970% | 1,990 |
| Return on assets (ROA) | 1.1019% | 2,101 |
| Pretax return on assets | 1.3973% | 1,748 |
| Return on Equity (ROE) | 9.6947% | 2,135 |
| Retained earnings to average equity (ytd only) | 5.7833% | 2,187 |
| Net charge-offs to loans | 0.0267% | 2,304 |
| Credit loss provision to net charge-offs | 939.2265% | 871 |
| Earnings coverage of net charge-offs (x) | 95.8343% | 818 |
| Efficiency ratio | 57.9318% | 3,674 |
| Assets per employee ($millions) | 6.9239% | 1,552 |
| Cash dividends to net income (ytd only)* | 40.3454% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 719 |
| Loan loss allowance to noncurrent loans | 6,541.9231% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,399 |
| Noncurrent loans to loans | 0.0276% | 4,298 |
| Net loans and leases to total assets | 59.7198% | 3,255 |
| Net loans and leases to deposits | 68.4816% | 3,434 |
| Net loans and leases to core deposits | 81.4903% | 2,701 |
| Total domestic deposits to total assets | 87.2057% | 1,573 |
| Equity capital to assets | 11.1772% | 2,257 |
| Core capital (leverage) ratio | 10.7834% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4874% | 724 |
| Memoranda: | ||
| Average total assets | $1,499,570,750 | 601 |
| Average earning assets | $1,412,535,000 | 583 |
| Average equity | $170,439,250 | 585 |
| Average total loans | $903,875,000 | 706 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 3,610 |
| Cost of funding earning assets | 0.3586% | 4,230 |
| Net interest margin | 3.5425% | 2,663 |
| Noninterest income to average assets | 0.5245% | 2,464 |
| Noninterest expense to average assets | 2.1904% | 3,811 |
| Loan and lease loss provision to assets | 0.1889% | 2,136 |
| Net operating income to assets | 1.1636% | 1,750 |
| Return on assets (ROA) | 1.1708% | 1,856 |
| Pretax return on assets | 1.4834% | 1,494 |
| Return on Equity (ROE) | 10.2415% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.2415% | 744 |
| Net charge-offs to loans | 0.0386% | 1,975 |
| Credit loss provision to net charge-offs | 813.9535% | 911 |
| Earnings coverage of net charge-offs (x) | 71.6744% | 873 |
| Efficiency ratio | 56.8408% | 3,841 |
| Assets per employee ($millions) | 6.9245% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 651 |
| Loan loss allowance to noncurrent loans | 5,949.4662% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 4,464 |
| Noncurrent loans to loans | 0.0303% | 4,362 |
| Net loans and leases to total assets | 59.3228% | 3,395 |
| Net loans and leases to deposits | 67.9202% | 3,572 |
| Net loans and leases to core deposits | 80.8607% | 2,887 |
| Total domestic deposits to total assets | 87.3420% | 1,479 |
| Equity capital to assets | 11.4377% | 2,014 |
| Core capital (leverage) ratio | 11.1786% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6142% | 711 |
| Memoranda: | ||
| Average total assets | $1,482,440,333 | 600 |
| Average earning assets | $1,393,124,000 | 579 |
| Average equity | $169,467,667 | 589 |
| Average total loans | $890,753,000 | 702 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 3,539 |
| Cost of funding earning assets | 0.4840% | 4,015 |
| Net interest margin | 3.6089% | 2,631 |
| Noninterest income to average assets | 0.5726% | 2,162 |
| Noninterest expense to average assets | 2.3087% | 3,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3129% | 1,210 |
| Return on assets (ROA) | 1.3094% | 1,314 |
| Pretax return on assets | 1.6357% | 982 |
| Return on Equity (ROE) | 11.4571% | 1,274 |
| Retained earnings to average equity (ytd only) | 11.4571% | 490 |
| Net charge-offs to loans | 0.0578% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 47.3492% | 935 |
| Efficiency ratio | 58.4656% | 3,941 |
| Assets per employee ($millions) | 6.5791% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 794 |
| Loan loss allowance to noncurrent loans | 5,797.7358% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 4,536 |
| Noncurrent loans to loans | 0.0301% | 4,440 |
| Net loans and leases to total assets | 60.3147% | 3,463 |
| Net loans and leases to deposits | 69.4294% | 3,638 |
| Net loans and leases to core deposits | 84.7949% | 2,776 |
| Total domestic deposits to total assets | 86.8721% | 1,612 |
| Equity capital to assets | 11.8492% | 2,181 |
| Core capital (leverage) ratio | 11.4626% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3765% | 820 |
| Memoranda: | ||
| Average total assets | $1,455,044,000 | 580 |
| Average earning assets | $1,361,188,500 | 565 |
| Average equity | $166,289,500 | 595 |
| Average total loans | $871,805,500 | 689 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 3,502 |
| Cost of funding earning assets | 0.5728% | 3,754 |
| Net interest margin | 3.7396% | 2,695 |
| Noninterest income to average assets | 0.5626% | 2,407 |
| Noninterest expense to average assets | 2.1839% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4826% | 1,094 |
| Return on assets (ROA) | 1.4872% | 1,147 |
| Pretax return on assets | 1.8893% | 763 |
| Return on Equity (ROE) | 13.9875% | 897 |
| Retained earnings to average equity (ytd only) | 10.4234% | 415 |
| Net charge-offs to loans | 0.0425% | 2,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 76.1421% | 830 |
| Efficiency ratio | 53.6938% | 4,449 |
| Assets per employee ($millions) | 6.9288% | 1,068 |
| Cash dividends to net income (ytd only)* | 25.4807% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 669 |
| Loan loss allowance to noncurrent loans | 10,537.4150% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,620 |
| Noncurrent loans to loans | 0.0170% | 4,509 |
| Net loans and leases to total assets | 57.4381% | 3,810 |
| Net loans and leases to deposits | 65.3247% | 3,989 |
| Net loans and leases to core deposits | 79.2141% | 3,363 |
| Total domestic deposits to total assets | 87.9270% | 1,158 |
| Equity capital to assets | 11.0196% | 2,975 |
| Core capital (leverage) ratio | 11.0724% | 2,433 |
| Tier 1 risk-based capital ratio | 18.6169% | 1,608 |
| Total risk-based capital ratio | 19.8738% | 1,575 |
| Memoranda: | ||
| Average total assets | $1,451,346,600 | 566 |
| Average earning assets | $1,360,200,200 | 554 |
| Average equity | $154,316,400 | 608 |
| Average total loans | $844,071,800 | 685 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 3,525 |
| Cost of funding earning assets | 0.5753% | 3,796 |
| Net interest margin | 3.7698% | 2,686 |
| Noninterest income to average assets | 0.5569% | 2,422 |
| Noninterest expense to average assets | 2.3136% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4087% | 1,440 |
| Return on assets (ROA) | 1.4155% | 1,480 |
| Pretax return on assets | 1.7960% | 1,102 |
| Return on Equity (ROE) | 13.4374% | 1,127 |
| Retained earnings to average equity (ytd only) | 11.2479% | 483 |
| Net charge-offs to loans | 0.0259% | 2,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 118.8639% | 658 |
| Efficiency ratio | 56.4146% | 4,123 |
| Assets per employee ($millions) | 6.6986% | 1,161 |
| Cash dividends to net income (ytd only)* | 16.2941% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 639 |
| Loan loss allowance to noncurrent loans | 5,662.8159% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 4,506 |
| Noncurrent loans to loans | 0.0323% | 4,521 |
| Net loans and leases to total assets | 58.7081% | 3,807 |
| Net loans and leases to deposits | 66.9058% | 4,001 |
| Net loans and leases to core deposits | 81.6519% | 3,272 |
| Total domestic deposits to total assets | 87.7475% | 1,148 |
| Equity capital to assets | 11.0801% | 3,032 |
| Core capital (leverage) ratio | 10.9152% | 2,721 |
| Tier 1 risk-based capital ratio | 19.2423% | 1,517 |
| Total risk-based capital ratio | 20.5007% | 1,482 |
| Memoranda: | ||
| Average total assets | $1,445,223,000 | 572 |
| Average earning assets | $1,358,703,500 | 559 |
| Average equity | $152,237,500 | 614 |
| Average total loans | $839,293,500 | 690 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 3,590 |
| Cost of funding earning assets | 0.5703% | 3,792 |
| Net interest margin | 3.7474% | 2,765 |
| Noninterest income to average assets | 0.5472% | 2,403 |
| Noninterest expense to average assets | 2.3362% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3569% | 1,551 |
| Return on assets (ROA) | 1.3652% | 1,587 |
| Pretax return on assets | 1.7330% | 1,208 |
| Return on Equity (ROE) | 13.1859% | 1,184 |
| Retained earnings to average equity (ytd only) | 13.1859% | 286 |
| Net charge-offs to loans | 0.0130% | 2,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 231.1296% | 347 |
| Efficiency ratio | 57.5592% | 4,063 |
| Assets per employee ($millions) | 6.6573% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 644 |
| Loan loss allowance to noncurrent loans | 3,332.2785% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 4,605 |
| Noncurrent loans to loans | 0.0549% | 4,438 |
| Net loans and leases to total assets | 59.4747% | 3,785 |
| Net loans and leases to deposits | 67.3064% | 4,008 |
| Net loans and leases to core deposits | 82.1380% | 3,256 |
| Total domestic deposits to total assets | 88.3641% | 936 |
| Equity capital to assets | 10.9519% | 3,117 |
| Core capital (leverage) ratio | 10.5832% | 2,996 |
| Tier 1 risk-based capital ratio | 18.9071% | 1,573 |
| Total risk-based capital ratio | 20.1657% | 1,540 |
| Memoranda: | ||
| Average total assets | $1,449,133,000 | 568 |
| Average earning assets | $1,357,913,670 | 558 |
| Average equity | $150,039,330 | 619 |
| Average total loans | $833,303,670 | 691 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 3,838 |
| Cost of funding earning assets | 0.5624% | 3,773 |
| Net interest margin | 3.6451% | 3,091 |
| Noninterest income to average assets | 0.4976% | 2,564 |
| Noninterest expense to average assets | 2.2302% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3091% | 1,667 |
| Return on assets (ROA) | 1.3160% | 1,685 |
| Pretax return on assets | 1.6719% | 1,282 |
| Return on Equity (ROE) | 13.0789% | 1,189 |
| Retained earnings to average equity (ytd only) | 13.0789% | 448 |
| Net charge-offs to loans | 0.0161% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 184.1212% | 420 |
| Efficiency ratio | 57.2835% | 4,172 |
| Assets per employee ($millions) | 7.0606% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9186% | 578 |
| Loan loss allowance to noncurrent loans | 7,390.6542% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 4,666 |
| Noncurrent loans to loans | 0.0260% | 4,666 |
| Net loans and leases to total assets | 54.5291% | 4,172 |
| Net loans and leases to deposits | 61.0360% | 4,356 |
| Net loans and leases to core deposits | 74.7032% | 3,755 |
| Total domestic deposits to total assets | 89.3392% | 715 |
| Equity capital to assets | 10.1052% | 3,720 |
| Core capital (leverage) ratio | 10.3923% | 3,173 |
| Tier 1 risk-based capital ratio | 19.0393% | 1,536 |
| Total risk-based capital ratio | 20.2992% | 1,507 |
| Memoranda: | ||
| Average total assets | $1,461,370,000 | 566 |
| Average earning assets | $1,361,387,000 | 558 |
| Average equity | $147,045,500 | 625 |
| Average total loans | $818,402,000 | 704 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 4,315 |
| Cost of funding earning assets | 0.3420% | 4,334 |
| Net interest margin | 3.5397% | 3,574 |
| Noninterest income to average assets | 0.5266% | 2,680 |
| Noninterest expense to average assets | 2.1995% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2727% | 1,901 |
| Return on assets (ROA) | 1.2727% | 1,902 |
| Pretax return on assets | 1.6296% | 1,383 |
| Return on Equity (ROE) | 12.6611% | 1,480 |
| Retained earnings to average equity (ytd only) | 9.0527% | 847 |
| Net charge-offs to loans | -0.0214% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4425% | 4,226 |
| Assets per employee ($millions) | 6.8572% | 1,047 |
| Cash dividends to net income (ytd only)* | 28.4998% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9507% | 522 |
| Loan loss allowance to noncurrent loans | 659.8251% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 3,835 |
| Noncurrent loans to loans | 0.2956% | 3,503 |
| Net loans and leases to total assets | 55.3204% | 4,178 |
| Net loans and leases to deposits | 61.9504% | 4,380 |
| Net loans and leases to core deposits | 75.4702% | 3,754 |
| Total domestic deposits to total assets | 89.2979% | 737 |
| Equity capital to assets | 10.0178% | 3,669 |
| Core capital (leverage) ratio | 10.4352% | 3,101 |
| Tier 1 risk-based capital ratio | 18.8938% | 1,537 |
| Total risk-based capital ratio | 20.1541% | 1,498 |
| Memoranda: | ||
| Average total assets | $1,378,528,600 | 576 |
| Average earning assets | $1,286,151,400 | 564 |
| Average equity | $138,565,800 | 627 |
| Average total loans | $806,674,200 | 693 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 4,469 |
| Cost of funding earning assets | 0.2948% | 4,556 |
| Net interest margin | 3.4912% | 3,721 |
| Noninterest income to average assets | 0.5099% | 2,805 |
| Noninterest expense to average assets | 2.2610% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1781% | 2,327 |
| Return on assets (ROA) | 1.1781% | 2,330 |
| Pretax return on assets | 1.5121% | 1,861 |
| Return on Equity (ROE) | 11.7101% | 1,903 |
| Retained earnings to average equity (ytd only) | 11.7101% | 521 |
| Net charge-offs to loans | -0.0401% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9233% | 3,822 |
| Assets per employee ($millions) | 6.5197% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9442% | 543 |
| Loan loss allowance to noncurrent loans | 519.5170% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 3,721 |
| Noncurrent loans to loans | 0.3742% | 3,308 |
| Net loans and leases to total assets | 58.3591% | 3,997 |
| Net loans and leases to deposits | 66.0920% | 4,190 |
| Net loans and leases to core deposits | 81.0883% | 3,396 |
| Total domestic deposits to total assets | 88.2998% | 1,121 |
| Equity capital to assets | 10.4073% | 3,229 |
| Core capital (leverage) ratio | 10.4163% | 3,169 |
| Tier 1 risk-based capital ratio | 18.8309% | 1,580 |
| Total risk-based capital ratio | 20.0914% | 1,550 |
| Memoranda: | ||
| Average total assets | $1,363,157,250 | 582 |
| Average earning assets | $1,274,159,500 | 570 |
| Average equity | $137,142,750 | 627 |
| Average total loans | $805,225,000 | 691 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 4,648 |
| Cost of funding earning assets | 0.2604% | 4,701 |
| Net interest margin | 3.4086% | 3,928 |
| Noninterest income to average assets | 0.5191% | 2,751 |
| Noninterest expense to average assets | 2.2306% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1457% | 2,411 |
| Return on assets (ROA) | 1.1457% | 2,416 |
| Pretax return on assets | 1.4773% | 1,902 |
| Return on Equity (ROE) | 11.5219% | 1,903 |
| Retained earnings to average equity (ytd only) | 11.5219% | 583 |
| Net charge-offs to loans | -0.0944% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1588% | 3,913 |
| Assets per employee ($millions) | 6.5517% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9974% | 523 |
| Loan loss allowance to noncurrent loans | 519.2109% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 3,794 |
| Noncurrent loans to loans | 0.3847% | 3,319 |
| Net loans and leases to total assets | 58.0806% | 3,984 |
| Net loans and leases to deposits | 65.3353% | 4,204 |
| Net loans and leases to core deposits | 78.3657% | 3,546 |
| Total domestic deposits to total assets | 88.8962% | 975 |
| Equity capital to assets | 10.2437% | 3,395 |
| Core capital (leverage) ratio | 10.2980% | 3,239 |
| Tier 1 risk-based capital ratio | 18.7277% | 1,617 |
| Total risk-based capital ratio | 19.9890% | 1,574 |
| Memoranda: | ||
| Average total assets | $1,358,989,330 | 581 |
| Average earning assets | $1,271,354,000 | 567 |
| Average equity | $135,134,000 | 631 |
| Average total loans | $800,719,330 | 694 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5425% | 4,803 |
| Cost of funding earning assets | 0.2330% | 4,815 |
| Net interest margin | 3.3094% | 4,165 |
| Noninterest income to average assets | 0.5334% | 2,615 |
| Noninterest expense to average assets | 2.2079% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1282% | 2,292 |
| Return on assets (ROA) | 1.1282% | 2,311 |
| Pretax return on assets | 1.4281% | 1,907 |
| Return on Equity (ROE) | 11.5192% | 1,760 |
| Retained earnings to average equity (ytd only) | 11.5192% | 786 |
| Net charge-offs to loans | -0.1677% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7230% | 3,980 |
| Assets per employee ($millions) | 6.8942% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0157% | 528 |
| Loan loss allowance to noncurrent loans | 493.4052% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 3,768 |
| Noncurrent loans to loans | 0.4085% | 3,317 |
| Net loans and leases to total assets | 56.4464% | 4,087 |
| Net loans and leases to deposits | 63.6031% | 4,232 |
| Net loans and leases to core deposits | 80.8710% | 3,255 |
| Total domestic deposits to total assets | 88.7478% | 1,236 |
| Equity capital to assets | 9.7817% | 3,809 |
| Core capital (leverage) ratio | 10.1392% | 3,372 |
| Tier 1 risk-based capital ratio | 18.7884% | 1,607 |
| Total risk-based capital ratio | 20.0506% | 1,565 |
| Memoranda: | ||
| Average total assets | $1,360,382,000 | 587 |
| Average earning assets | $1,275,388,500 | 570 |
| Average equity | $133,238,000 | 641 |
| Average total loans | $799,206,500 | 692 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4989% | 4,789 |
| Cost of funding earning assets | 0.1813% | 5,082 |
| Net interest margin | 3.3175% | 4,104 |
| Noninterest income to average assets | 0.5785% | 2,565 |
| Noninterest expense to average assets | 2.0844% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9117% | 2,650 |
| Return on assets (ROA) | 0.9117% | 2,677 |
| Pretax return on assets | 1.5901% | 1,322 |
| Return on Equity (ROE) | 9.1446% | 2,245 |
| Retained earnings to average equity (ytd only) | 9.1446% | 484 |
| Net charge-offs to loans | -0.0026% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7264% | 4,691 |
| Assets per employee ($millions) | 6.7434% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 591 |
| Loan loss allowance to noncurrent loans | 233.1697% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 2,885 |
| Noncurrent loans to loans | 0.8361% | 2,134 |
| Net loans and leases to total assets | 58.7530% | 3,943 |
| Net loans and leases to deposits | 66.2756% | 4,165 |
| Net loans and leases to core deposits | 83.9884% | 3,053 |
| Total domestic deposits to total assets | 88.6495% | 1,171 |
| Equity capital to assets | 9.8069% | 3,909 |
| Core capital (leverage) ratio | 10.1311% | 3,268 |
| Tier 1 risk-based capital ratio | 17.8090% | 1,858 |
| Total risk-based capital ratio | 19.0699% | 1,801 |
| Memoranda: | ||
| Average total assets | $1,265,757,000 | 603 |
| Average earning assets | $1,181,265,800 | 594 |
| Average equity | $126,194,400 | 654 |
| Average total loans | $792,817,000 | 664 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4742% | 4,854 |
| Cost of funding earning assets | 0.1629% | 5,238 |
| Net interest margin | 3.3113% | 4,129 |
| Noninterest income to average assets | 0.5906% | 2,531 |
| Noninterest expense to average assets | 2.2562% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9199% | 2,927 |
| Return on assets (ROA) | 0.9199% | 2,991 |
| Pretax return on assets | 1.4321% | 2,002 |
| Return on Equity (ROE) | 9.1868% | 2,504 |
| Retained earnings to average equity (ytd only) | 9.1868% | 791 |
| Net charge-offs to loans | 0.0263% | 2,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 85.8417% | 774 |
| Efficiency ratio | 61.1720% | 4,017 |
| Assets per employee ($millions) | 6.5320% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9408% | 647 |
| Loan loss allowance to noncurrent loans | 213.6320% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 2,809 |
| Noncurrent loans to loans | 0.9085% | 2,112 |
| Net loans and leases to total assets | 60.8534% | 3,781 |
| Net loans and leases to deposits | 69.1497% | 4,029 |
| Net loans and leases to core deposits | 88.3588% | 2,734 |
| Total domestic deposits to total assets | 88.0025% | 1,360 |
| Equity capital to assets | 10.0413% | 3,869 |
| Core capital (leverage) ratio | 10.1641% | 3,359 |
| Tier 1 risk-based capital ratio | 17.4103% | 2,035 |
| Total risk-based capital ratio | 18.6713% | 1,981 |
| Memoranda: | ||
| Average total assets | $1,246,713,750 | 613 |
| Average earning assets | $1,166,326,750 | 601 |
| Average equity | $124,842,500 | 664 |
| Average total loans | $789,996,250 | 666 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4310% | 4,912 |
| Cost of funding earning assets | 0.1519% | 5,327 |
| Net interest margin | 3.2791% | 4,173 |
| Noninterest income to average assets | 0.5744% | 2,582 |
| Noninterest expense to average assets | 2.2153% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8987% | 2,920 |
| Return on assets (ROA) | 0.8987% | 2,976 |
| Pretax return on assets | 1.4150% | 1,951 |
| Return on Equity (ROE) | 8.9832% | 2,517 |
| Retained earnings to average equity (ytd only) | 8.9832% | 846 |
| Net charge-offs to loans | 0.0163% | 2,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 136.3438% | 534 |
| Efficiency ratio | 61.0220% | 4,162 |
| Assets per employee ($millions) | 6.4183% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 620 |
| Loan loss allowance to noncurrent loans | 232.0435% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 2,985 |
| Noncurrent loans to loans | 0.8551% | 2,271 |
| Net loans and leases to total assets | 60.2967% | 3,819 |
| Net loans and leases to deposits | 67.7033% | 4,095 |
| Net loans and leases to core deposits | 86.0820% | 2,871 |
| Total domestic deposits to total assets | 89.0603% | 926 |
| Equity capital to assets | 9.8775% | 4,051 |
| Core capital (leverage) ratio | 10.4034% | 3,021 |
| Tier 1 risk-based capital ratio | 17.4195% | 2,033 |
| Total risk-based capital ratio | 18.6813% | 1,985 |
| Memoranda: | ||
| Average total assets | $1,233,347,330 | 618 |
| Average earning assets | $1,149,398,330 | 609 |
| Average equity | $123,385,670 | 673 |
| Average total loans | $787,138,670 | 666 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4756% | 4,763 |
| Cost of funding earning assets | 0.1507% | 5,369 |
| Net interest margin | 3.3249% | 3,930 |
| Noninterest income to average assets | 0.5782% | 2,522 |
| Noninterest expense to average assets | 2.2381% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8839% | 2,841 |
| Return on assets (ROA) | 0.8839% | 2,891 |
| Pretax return on assets | 1.4136% | 1,842 |
| Return on Equity (ROE) | 8.7772% | 2,524 |
| Retained earnings to average equity (ytd only) | 8.7772% | 1,152 |
| Net charge-offs to loans | 0.0442% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 49.2069% | 907 |
| Efficiency ratio | 61.2894% | 4,267 |
| Assets per employee ($millions) | 6.0812% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9764% | 698 |
| Loan loss allowance to noncurrent loans | 412.1790% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 3,927 |
| Noncurrent loans to loans | 0.4795% | 3,367 |
| Net loans and leases to total assets | 64.7822% | 3,149 |
| Net loans and leases to deposits | 73.1717% | 3,487 |
| Net loans and leases to core deposits | 91.0532% | 2,259 |
| Total domestic deposits to total assets | 88.5345% | 1,404 |
| Equity capital to assets | 10.3473% | 3,352 |
| Core capital (leverage) ratio | 10.4189% | 2,994 |
| Tier 1 risk-based capital ratio | 17.0850% | 2,157 |
| Total risk-based capital ratio | 18.3468% | 2,104 |
| Memoranda: | ||
| Average total assets | $1,211,401,000 | 632 |
| Average earning assets | $1,119,796,000 | 621 |
| Average equity | $121,998,500 | 676 |
| Average total loans | $787,845,500 | 668 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2862% | 5,179 |
| Cost of funding earning assets | 0.1581% | 5,365 |
| Net interest margin | 3.1281% | 4,649 |
| Noninterest income to average assets | 0.5685% | 2,826 |
| Noninterest expense to average assets | 2.1669% | 4,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8633% | 3,008 |
| Return on assets (ROA) | 0.8633% | 3,119 |
| Pretax return on assets | 1.3259% | 2,192 |
| Return on Equity (ROE) | 9.1509% | 2,346 |
| Retained earnings to average equity (ytd only) | 9.1509% | 560 |
| Net charge-offs to loans | 0.0315% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 67.6750% | 815 |
| Efficiency ratio | 62.0390% | 4,239 |
| Assets per employee ($millions) | 6.3123% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9867% | 674 |
| Loan loss allowance to noncurrent loans | 408.9603% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 3,988 |
| Noncurrent loans to loans | 0.4858% | 3,415 |
| Net loans and leases to total assets | 62.7449% | 3,507 |
| Net loans and leases to deposits | 73.8575% | 3,529 |
| Net loans and leases to core deposits | 91.5837% | 2,340 |
| Total domestic deposits to total assets | 84.9540% | 3,071 |
| Equity capital to assets | 9.8032% | 3,936 |
| Core capital (leverage) ratio | 10.0035% | 3,478 |
| Tier 1 risk-based capital ratio | 16.6007% | 2,306 |
| Total risk-based capital ratio | 17.8625% | 2,246 |
| Memoranda: | ||
| Average total assets | $1,224,953,400 | 603 |
| Average earning assets | $1,145,151,800 | 588 |
| Average equity | $115,563,000 | 696 |
| Average total loans | $762,893,200 | 657 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2483% | 5,283 |
| Cost of funding earning assets | 0.1599% | 5,417 |
| Net interest margin | 3.0884% | 4,803 |
| Noninterest income to average assets | 0.5650% | 2,848 |
| Noninterest expense to average assets | 2.2514% | 4,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7946% | 3,392 |
| Return on assets (ROA) | 0.7946% | 3,532 |
| Pretax return on assets | 1.2231% | 2,738 |
| Return on Equity (ROE) | 8.5059% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.5059% | 981 |
| Net charge-offs to loans | 0.0086% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 229.0468% | 340 |
| Efficiency ratio | 64.7983% | 3,792 |
| Assets per employee ($millions) | 6.2388% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0379% | 681 |
| Loan loss allowance to noncurrent loans | 388.0970% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 4,056 |
| Noncurrent loans to loans | 0.5251% | 3,418 |
| Net loans and leases to total assets | 62.9349% | 3,532 |
| Net loans and leases to deposits | 71.3115% | 3,855 |
| Net loans and leases to core deposits | 88.6009% | 2,702 |
| Total domestic deposits to total assets | 88.2535% | 1,263 |
| Equity capital to assets | 9.7575% | 4,412 |
| Core capital (leverage) ratio | 9.5910% | 4,070 |
| Tier 1 risk-based capital ratio | 16.5586% | 2,389 |
| Total risk-based capital ratio | 17.8213% | 2,339 |
| Memoranda: | ||
| Average total assets | $1,223,467,750 | 603 |
| Average earning assets | $1,152,539,500 | 585 |
| Average equity | $114,287,000 | 705 |
| Average total loans | $756,621,500 | 664 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2008% | 5,429 |
| Cost of funding earning assets | 0.1549% | 5,513 |
| Net interest margin | 3.0459% | 4,984 |
| Noninterest income to average assets | 0.5598% | 2,852 |
| Noninterest expense to average assets | 2.2291% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7682% | 3,460 |
| Return on assets (ROA) | 0.7682% | 3,604 |
| Pretax return on assets | 1.1944% | 2,798 |
| Return on Equity (ROE) | 8.3457% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.3457% | 1,058 |
| Net charge-offs to loans | -0.0099% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1109% | 3,827 |
| Assets per employee ($millions) | 6.0386% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 661 |
| Loan loss allowance to noncurrent loans | 340.6457% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 3,938 |
| Noncurrent loans to loans | 0.6046% | 3,256 |
| Net loans and leases to total assets | 63.0484% | 3,494 |
| Net loans and leases to deposits | 71.1862% | 3,867 |
| Net loans and leases to core deposits | 89.1845% | 2,621 |
| Total domestic deposits to total assets | 88.5683% | 1,134 |
| Equity capital to assets | 9.6268% | 4,640 |
| Core capital (leverage) ratio | 9.4188% | 4,312 |
| Tier 1 risk-based capital ratio | 16.3821% | 2,472 |
| Total risk-based capital ratio | 17.6453% | 2,412 |
| Memoranda: | ||
| Average total assets | $1,227,846,670 | 597 |
| Average earning assets | $1,154,400,000 | 582 |
| Average equity | $113,016,670 | 716 |
| Average total loans | $749,640,000 | 668 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1507% | 5,546 |
| Cost of funding earning assets | 0.1541% | 5,580 |
| Net interest margin | 2.9965% | 5,127 |
| Noninterest income to average assets | 0.5286% | 2,944 |
| Noninterest expense to average assets | 2.1751% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7317% | 3,577 |
| Return on assets (ROA) | 0.7317% | 3,685 |
| Pretax return on assets | 1.1611% | 2,845 |
| Return on Equity (ROE) | 8.1302% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.1302% | 1,401 |
| Net charge-offs to loans | 0.0065% | 2,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 300.1667% | 201 |
| Efficiency ratio | 65.1981% | 3,943 |
| Assets per employee ($millions) | 5.9271% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 661 |
| Loan loss allowance to noncurrent loans | 607.8454% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 4,688 |
| Noncurrent loans to loans | 0.3495% | 4,180 |
| Net loans and leases to total assets | 61.1178% | 3,639 |
| Net loans and leases to deposits | 68.9007% | 3,965 |
| Net loans and leases to core deposits | 85.1939% | 2,828 |
| Total domestic deposits to total assets | 88.7042% | 1,243 |
| Equity capital to assets | 9.4434% | 4,723 |
| Core capital (leverage) ratio | 9.2918% | 4,501 |
| Tier 1 risk-based capital ratio | 16.5451% | 2,465 |
| Total risk-based capital ratio | 17.8092% | 2,409 |
| Memoranda: | ||
| Average total assets | $1,240,926,500 | 589 |
| Average earning assets | $1,162,679,000 | 576 |
| Average equity | $111,683,000 | 722 |
| Average total loans | $737,671,500 | 675 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9937% | 5,734 |
| Cost of funding earning assets | 0.1593% | 5,620 |
| Net interest margin | 2.8344% | 5,455 |
| Noninterest income to average assets | 0.5756% | 2,854 |
| Noninterest expense to average assets | 1.9669% | 5,517 |
| Loan and lease loss provision to assets | 0.0261% | 3,868 |
| Net operating income to assets | 0.8112% | 3,295 |
| Return on assets (ROA) | 0.8112% | 3,366 |
| Pretax return on assets | 1.2417% | 2,498 |
| Return on Equity (ROE) | 9.2924% | 2,323 |
| Retained earnings to average equity (ytd only) | 5.6192% | 2,003 |
| Net charge-offs to loans | 0.0163% | 3,958 |
| Credit loss provision to net charge-offs | 287.6106% | 1,020 |
| Earnings coverage of net charge-offs (x) | 139.9558% | 443 |
| Efficiency ratio | 60.8064% | 4,785 |
| Assets per employee ($millions) | 6.2662% | 1,224 |
| Cash dividends to net income (ytd only)* | 39.5296% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1843% | 607 |
| Loan loss allowance to noncurrent loans | 600.9452% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,773 |
| Noncurrent loans to loans | 0.3635% | 4,147 |
| Net loans and leases to total assets | 55.4125% | 4,349 |
| Net loans and leases to deposits | 65.2085% | 4,377 |
| Net loans and leases to core deposits | 80.6660% | 3,279 |
| Total domestic deposits to total assets | 84.9775% | 3,102 |
| Equity capital to assets | 8.5867% | 5,491 |
| Core capital (leverage) ratio | 8.9963% | 4,887 |
| Tier 1 risk-based capital ratio | 16.3945% | 2,529 |
| Total risk-based capital ratio | 17.6589% | 2,480 |
| Memoranda: | ||
| Average total assets | $1,247,474,800 | 566 |
| Average earning assets | $1,170,307,200 | 551 |
| Average equity | $108,895,200 | 706 |
| Average total loans | $693,902,800 | 668 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9781% | 5,825 |
| Cost of funding earning assets | 0.1601% | 5,707 |
| Net interest margin | 2.8180% | 5,552 |
| Noninterest income to average assets | 0.6042% | 2,716 |
| Noninterest expense to average assets | 2.0418% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7937% | 3,460 |
| Return on assets (ROA) | 0.7937% | 3,548 |
| Pretax return on assets | 1.2138% | 2,758 |
| Return on Equity (ROE) | 9.0542% | 2,546 |
| Retained earnings to average equity (ytd only) | 9.0542% | 879 |
| Net charge-offs to loans | -0.0372% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7175% | 4,457 |
| Assets per employee ($millions) | 6.0336% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1957% | 672 |
| Loan loss allowance to noncurrent loans | 578.9205% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 4,871 |
| Noncurrent loans to loans | 0.3793% | 4,251 |
| Net loans and leases to total assets | 57.7295% | 4,172 |
| Net loans and leases to deposits | 64.9716% | 4,469 |
| Net loans and leases to core deposits | 81.3519% | 3,318 |
| Total domestic deposits to total assets | 88.8535% | 1,096 |
| Equity capital to assets | 9.1809% | 5,137 |
| Core capital (leverage) ratio | 8.9818% | 5,011 |
| Tier 1 risk-based capital ratio | 16.8109% | 2,436 |
| Total risk-based capital ratio | 18.0756% | 2,391 |
| Memoranda: | ||
| Average total assets | $1,238,200,750 | 572 |
| Average earning assets | $1,164,990,750 | 558 |
| Average equity | $108,543,500 | 714 |
| Average total loans | $685,451,500 | 678 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9334% | 5,913 |
| Cost of funding earning assets | 0.1570% | 5,803 |
| Net interest margin | 2.7764% | 5,668 |
| Noninterest income to average assets | 0.6354% | 2,552 |
| Noninterest expense to average assets | 2.0144% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7996% | 3,391 |
| Return on assets (ROA) | 0.7996% | 3,481 |
| Pretax return on assets | 1.2278% | 2,658 |
| Return on Equity (ROE) | 9.2651% | 2,398 |
| Retained earnings to average equity (ytd only) | 9.2651% | 839 |
| Net charge-offs to loans | -0.0565% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1296% | 4,661 |
| Assets per employee ($millions) | 6.1231% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2677% | 665 |
| Loan loss allowance to noncurrent loans | 631.6355% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 5,054 |
| Noncurrent loans to loans | 0.3590% | 4,420 |
| Net loans and leases to total assets | 55.3089% | 4,408 |
| Net loans and leases to deposits | 64.5930% | 4,480 |
| Net loans and leases to core deposits | 82.1839% | 3,155 |
| Total domestic deposits to total assets | 85.6268% | 2,868 |
| Equity capital to assets | 8.8983% | 5,345 |
| Core capital (leverage) ratio | 8.7678% | 5,262 |
| Tier 1 risk-based capital ratio | 16.8336% | 2,474 |
| Total risk-based capital ratio | 18.0993% | 2,420 |
| Memoranda: | ||
| Average total assets | $1,242,662,000 | 572 |
| Average earning assets | $1,166,758,330 | 552 |
| Average equity | $107,241,670 | 725 |
| Average total loans | $672,950,330 | 693 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8832% | 6,009 |
| Cost of funding earning assets | 0.1608% | 5,836 |
| Net interest margin | 2.7224% | 5,771 |
| Noninterest income to average assets | 0.5459% | 2,980 |
| Noninterest expense to average assets | 1.9310% | 5,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7662% | 3,447 |
| Return on assets (ROA) | 0.7662% | 3,582 |
| Pretax return on assets | 1.1645% | 2,817 |
| Return on Equity (ROE) | 9.0180% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.0180% | 1,183 |
| Net charge-offs to loans | -0.0091% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3820% | 4,736 |
| Assets per employee ($millions) | 6.1479% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3369% | 675 |
| Loan loss allowance to noncurrent loans | 845.3419% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 5,355 |
| Noncurrent loans to loans | 0.2764% | 4,794 |
| Net loans and leases to total assets | 52.8274% | 4,577 |
| Net loans and leases to deposits | 58.6877% | 4,863 |
| Net loans and leases to core deposits | 73.0768% | 3,864 |
| Total domestic deposits to total assets | 90.0144% | 740 |
| Equity capital to assets | 8.6411% | 5,623 |
| Core capital (leverage) ratio | 8.5763% | 5,452 |
| Tier 1 risk-based capital ratio | 17.0533% | 2,461 |
| Total risk-based capital ratio | 18.3196% | 2,413 |
| Memoranda: | ||
| Average total assets | $1,245,563,000 | 562 |
| Average earning assets | $1,166,482,500 | 552 |
| Average equity | $105,832,500 | 731 |
| Average total loans | $659,442,000 | 711 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8977% | 6,141 |
| Cost of funding earning assets | 0.1832% | 5,889 |
| Net interest margin | 2.7145% | 5,917 |
| Noninterest income to average assets | 0.6323% | 2,663 |
| Noninterest expense to average assets | 2.0992% | 5,572 |
| Loan and lease loss provision to assets | 0.2589% | 865 |
| Net operating income to assets | 0.5389% | 4,642 |
| Return on assets (ROA) | 0.5389% | 4,730 |
| Pretax return on assets | 0.8255% | 4,164 |
| Return on Equity (ROE) | 6.4779% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.4779% | 1,657 |
| Net charge-offs to loans | -0.0463% | 5,905 |
| Credit loss provision to net charge-offs | -1,098.6014% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9384% | 4,264 |
| Assets per employee ($millions) | 6.3414% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 608 |
| Loan loss allowance to noncurrent loans | 791.6709% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 5,357 |
| Noncurrent loans to loans | 0.3061% | 4,746 |
| Net loans and leases to total assets | 50.5466% | 4,914 |
| Net loans and leases to deposits | 56.0763% | 5,182 |
| Net loans and leases to core deposits | 70.1767% | 4,315 |
| Total domestic deposits to total assets | 90.1389% | 678 |
| Equity capital to assets | 8.3533% | 5,862 |
| Core capital (leverage) ratio | 8.5264% | 5,533 |
| Tier 1 risk-based capital ratio | 17.6616% | 2,257 |
| Total risk-based capital ratio | 18.9299% | 2,219 |
| Memoranda: | ||
| Average total assets | $1,213,516,600 | 556 |
| Average earning assets | $1,140,538,400 | 544 |
| Average equity | $100,959,400 | 727 |
| Average total loans | $618,332,200 | 708 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8848% | 6,216 |
| Cost of funding earning assets | 0.1894% | 5,917 |
| Net interest margin | 2.6954% | 6,008 |
| Noninterest income to average assets | 0.6416% | 2,617 |
| Noninterest expense to average assets | 2.1392% | 5,488 |
| Loan and lease loss provision to assets | 0.2291% | 976 |
| Net operating income to assets | 0.5332% | 4,748 |
| Return on assets (ROA) | 0.5332% | 4,819 |
| Pretax return on assets | 0.8151% | 4,314 |
| Return on Equity (ROE) | 6.4154% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.4154% | 2,161 |
| Net charge-offs to loans | -0.1453% | 6,232 |
| Credit loss provision to net charge-offs | -310.8108% | 5,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1986% | 4,009 |
| Assets per employee ($millions) | 6.1325% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3915% | 746 |
| Loan loss allowance to noncurrent loans | 610.1343% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 5,187 |
| Noncurrent loans to loans | 0.3920% | 4,734 |
| Net loans and leases to total assets | 51.1659% | 4,881 |
| Net loans and leases to deposits | 57.0983% | 5,169 |
| Net loans and leases to core deposits | 73.3131% | 4,016 |
| Total domestic deposits to total assets | 89.6102% | 928 |
| Equity capital to assets | 8.5458% | 5,764 |
| Core capital (leverage) ratio | 8.3938% | 5,759 |
| Tier 1 risk-based capital ratio | 18.0845% | 2,188 |
| Total risk-based capital ratio | 19.3525% | 2,140 |
| Memoranda: | ||
| Average total assets | $1,204,580,750 | 555 |
| Average earning assets | $1,135,930,750 | 541 |
| Average equity | $100,110,750 | 732 |
| Average total loans | $611,130,000 | 718 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8536% | 6,295 |
| Cost of funding earning assets | 0.1947% | 5,955 |
| Net interest margin | 2.6589% | 6,102 |
| Noninterest income to average assets | 0.6455% | 2,571 |
| Noninterest expense to average assets | 2.1224% | 5,579 |
| Loan and lease loss provision to assets | 0.2286% | 1,005 |
| Net operating income to assets | 0.5226% | 4,723 |
| Return on assets (ROA) | 0.5226% | 4,814 |
| Pretax return on assets | 0.8003% | 4,263 |
| Return on Equity (ROE) | 6.3470% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.3470% | 2,120 |
| Net charge-offs to loans | -0.0459% | 5,833 |
| Credit loss provision to net charge-offs | -992.8058% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3499% | 4,141 |
| Assets per employee ($millions) | 6.2445% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2377% | 973 |
| Loan loss allowance to noncurrent loans | 458.0645% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 5,032 |
| Noncurrent loans to loans | 0.4885% | 4,535 |
| Net loans and leases to total assets | 50.1928% | 4,944 |
| Net loans and leases to deposits | 56.3328% | 5,166 |
| Net loans and leases to core deposits | 73.8505% | 3,855 |
| Total domestic deposits to total assets | 89.1005% | 1,304 |
| Equity capital to assets | 8.4244% | 5,864 |
| Core capital (leverage) ratio | 8.3350% | 5,814 |
| Tier 1 risk-based capital ratio | 18.2495% | 2,147 |
| Total risk-based capital ratio | 19.5158% | 2,108 |
| Memoranda: | ||
| Average total assets | $1,207,494,670 | 558 |
| Average earning assets | $1,137,996,670 | 541 |
| Average equity | $99,416,330 | 734 |
| Average total loans | $605,889,000 | 716 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8185% | 6,382 |
| Cost of funding earning assets | 0.1977% | 6,019 |
| Net interest margin | 2.6209% | 6,205 |
| Noninterest income to average assets | 0.6394% | 2,522 |
| Noninterest expense to average assets | 2.0915% | 5,698 |
| Loan and lease loss provision to assets | 0.2278% | 973 |
| Net operating income to assets | 0.5083% | 4,646 |
| Return on assets (ROA) | 0.5083% | 4,727 |
| Pretax return on assets | 0.7843% | 4,168 |
| Return on Equity (ROE) | 6.2460% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.2460% | 2,409 |
| Net charge-offs to loans | 0.0572% | 2,586 |
| Credit loss provision to net charge-offs | 802.3256% | 370 |
| Earnings coverage of net charge-offs (x) | 35.6512% | 941 |
| Efficiency ratio | 67.3899% | 4,299 |
| Assets per employee ($millions) | 6.3119% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 1,224 |
| Loan loss allowance to noncurrent loans | 386.7368% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 4,762 |
| Noncurrent loans to loans | 0.5581% | 4,492 |
| Net loans and leases to total assets | 48.1014% | 5,116 |
| Net loans and leases to deposits | 53.0863% | 5,369 |
| Net loans and leases to core deposits | 69.5284% | 4,154 |
| Total domestic deposits to total assets | 90.6097% | 734 |
| Equity capital to assets | 8.1732% | 5,930 |
| Core capital (leverage) ratio | 8.2405% | 5,897 |
| Tier 1 risk-based capital ratio | 18.8394% | 2,017 |
| Total risk-based capital ratio | 20.1050% | 1,970 |
| Memoranda: | ||
| Average total assets | $1,211,772,500 | 560 |
| Average earning assets | $1,139,313,500 | 544 |
| Average equity | $98,623,000 | 738 |
| Average total loans | $601,056,000 | 723 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0480% | 6,293 |
| Cost of funding earning assets | 0.2361% | 6,055 |
| Net interest margin | 2.8119% | 5,957 |
| Noninterest income to average assets | 0.6445% | 2,838 |
| Noninterest expense to average assets | 2.0922% | 5,847 |
| Loan and lease loss provision to assets | 0.3552% | 883 |
| Net operating income to assets | 0.5359% | 4,572 |
| Return on assets (ROA) | 0.5359% | 4,702 |
| Pretax return on assets | 0.8229% | 4,061 |
| Return on Equity (ROE) | 6.4348% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.4348% | 1,722 |
| Net charge-offs to loans | 0.5104% | 1,292 |
| Credit loss provision to net charge-offs | 133.4641% | 1,757 |
| Earnings coverage of net charge-offs (x) | 4.4265% | 3,569 |
| Efficiency ratio | 63.9761% | 4,903 |
| Assets per employee ($millions) | 6.5851% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0212% | 1,503 |
| Loan loss allowance to noncurrent loans | 341.5552% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 4,821 |
| Noncurrent loans to loans | 0.5918% | 4,504 |
| Net loans and leases to total assets | 49.0290% | 5,191 |
| Net loans and leases to deposits | 54.0203% | 5,469 |
| Net loans and leases to core deposits | 71.9039% | 4,084 |
| Total domestic deposits to total assets | 90.7604% | 680 |
| Equity capital to assets | 8.1043% | 5,932 |
| Core capital (leverage) ratio | 8.1037% | 6,051 |
| Tier 1 risk-based capital ratio | 18.3603% | 2,129 |
| Total risk-based capital ratio | 19.6241% | 2,080 |
| Memoranda: | ||
| Average total assets | $1,149,724,600 | 572 |
| Average earning assets | $1,073,653,600 | 553 |
| Average equity | $95,745,000 | 739 |
| Average total loans | $599,543,000 | 698 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0881% | 6,332 |
| Cost of funding earning assets | 0.2433% | 6,130 |
| Net interest margin | 2.8448% | 5,931 |
| Noninterest income to average assets | 0.6484% | 2,891 |
| Noninterest expense to average assets | 2.1771% | 5,660 |
| Loan and lease loss provision to assets | 0.2433% | 1,473 |
| Net operating income to assets | 0.5774% | 4,438 |
| Return on assets (ROA) | 0.5774% | 4,575 |
| Pretax return on assets | 0.8848% | 3,947 |
| Return on Equity (ROE) | 6.8843% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.8843% | 1,934 |
| Net charge-offs to loans | 0.4679% | 1,374 |
| Credit loss provision to net charge-offs | 98.6654% | 2,417 |
| Earnings coverage of net charge-offs (x) | 4.5744% | 3,408 |
| Efficiency ratio | 65.8688% | 4,511 |
| Assets per employee ($millions) | 6.2254% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8363% | 2,187 |
| Loan loss allowance to noncurrent loans | 289.7827% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 5,181 |
| Noncurrent loans to loans | 0.6337% | 4,612 |
| Net loans and leases to total assets | 51.1713% | 4,985 |
| Net loans and leases to deposits | 56.8780% | 5,294 |
| Net loans and leases to core deposits | 75.8705% | 3,629 |
| Total domestic deposits to total assets | 89.9668% | 1,014 |
| Equity capital to assets | 8.2349% | 5,971 |
| Core capital (leverage) ratio | 8.1270% | 6,129 |
| Tier 1 risk-based capital ratio | 18.1156% | 2,277 |
| Total risk-based capital ratio | 19.3769% | 2,243 |
| Memoranda: | ||
| Average total assets | $1,134,242,750 | 582 |
| Average earning assets | $1,059,301,750 | 558 |
| Average equity | $95,132,250 | 745 |
| Average total loans | $597,849,750 | 700 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1091% | 6,330 |
| Cost of funding earning assets | 0.2486% | 6,182 |
| Net interest margin | 2.8605% | 5,875 |
| Noninterest income to average assets | 0.6678% | 2,809 |
| Noninterest expense to average assets | 2.1941% | 5,647 |
| Loan and lease loss provision to assets | 0.2459% | 1,518 |
| Net operating income to assets | 0.5789% | 4,411 |
| Return on assets (ROA) | 0.5789% | 4,584 |
| Pretax return on assets | 0.8899% | 3,947 |
| Return on Equity (ROE) | 6.8583% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.8583% | 1,954 |
| Net charge-offs to loans | 0.5602% | 1,177 |
| Credit loss provision to net charge-offs | 82.9826% | 2,567 |
| Earnings coverage of net charge-offs (x) | 3.8322% | 3,287 |
| Efficiency ratio | 65.8906% | 4,568 |
| Assets per employee ($millions) | 6.3116% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8540% | 2,251 |
| Loan loss allowance to noncurrent loans | 307.0968% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 5,035 |
| Noncurrent loans to loans | 0.6037% | 4,747 |
| Net loans and leases to total assets | 50.4518% | 5,061 |
| Net loans and leases to deposits | 56.0635% | 5,335 |
| Net loans and leases to core deposits | 75.5906% | 3,595 |
| Total domestic deposits to total assets | 89.9905% | 1,024 |
| Equity capital to assets | 8.3406% | 5,930 |
| Core capital (leverage) ratio | 8.2454% | 5,963 |
| Tier 1 risk-based capital ratio | 18.3244% | 2,202 |
| Total risk-based capital ratio | 19.5860% | 2,161 |
| Memoranda: | ||
| Average total assets | $1,122,201,330 | 590 |
| Average earning assets | $1,044,367,000 | 570 |
| Average equity | $94,716,670 | 743 |
| Average total loans | $593,768,000 | 701 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1620% | 6,341 |
| Cost of funding earning assets | 0.2607% | 6,215 |
| Net interest margin | 2.9013% | 5,811 |
| Noninterest income to average assets | 0.6071% | 3,095 |
| Noninterest expense to average assets | 2.1498% | 5,804 |
| Loan and lease loss provision to assets | 0.2489% | 1,448 |
| Net operating income to assets | 0.5724% | 4,350 |
| Return on assets (ROA) | 0.5724% | 4,498 |
| Pretax return on assets | 0.8899% | 3,798 |
| Return on Equity (ROE) | 6.7410% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.7410% | 2,290 |
| Net charge-offs to loans | 0.0087% | 3,979 |
| Credit loss provision to net charge-offs | 5,307.6923% | 48 |
| Earnings coverage of net charge-offs (x) | 242.8462% | 162 |
| Efficiency ratio | 65.3724% | 4,770 |
| Assets per employee ($millions) | 6.1785% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0182% | 1,996 |
| Loan loss allowance to noncurrent loans | 358.0277% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 5,432 |
| Noncurrent loans to loans | 0.5637% | 5,031 |
| Net loans and leases to total assets | 51.9838% | 4,706 |
| Net loans and leases to deposits | 57.7047% | 5,075 |
| Net loans and leases to core deposits | 78.9497% | 2,940 |
| Total domestic deposits to total assets | 90.0859% | 991 |
| Equity capital to assets | 8.5201% | 6,001 |
| Core capital (leverage) ratio | 8.3958% | 5,714 |
| Tier 1 risk-based capital ratio | 18.0090% | 2,355 |
| Total risk-based capital ratio | 19.2728% | 2,315 |
| Memoranda: | ||
| Average total assets | $1,108,942,000 | 603 |
| Average earning assets | $1,024,910,500 | 588 |
| Average equity | $94,170,000 | 761 |
| Average total loans | $595,403,000 | 699 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4982% | 6,356 |
| Cost of funding earning assets | 0.3707% | 6,104 |
| Net interest margin | 3.1275% | 5,745 |
| Noninterest income to average assets | 0.4823% | 4,026 |
| Noninterest expense to average assets | 2.0815% | 6,164 |
| Loan and lease loss provision to assets | 0.2605% | 2,562 |
| Net operating income to assets | 0.6825% | 3,820 |
| Return on assets (ROA) | 0.6825% | 4,088 |
| Pretax return on assets | 1.0551% | 3,340 |
| Return on Equity (ROE) | 7.9872% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.9872% | 1,125 |
| Net charge-offs to loans | 0.2134% | 3,679 |
| Credit loss provision to net charge-offs | 223.8443% | 1,120 |
| Earnings coverage of net charge-offs (x) | 11.3058% | 2,047 |
| Efficiency ratio | 60.5001% | 5,467 |
| Assets per employee ($millions) | 6.0424% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 2,388 |
| Loan loss allowance to noncurrent loans | 454.8805% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 5,732 |
| Noncurrent loans to loans | 0.4110% | 5,457 |
| Net loans and leases to total assets | 53.3156% | 4,714 |
| Net loans and leases to deposits | 58.8160% | 5,151 |
| Net loans and leases to core deposits | 81.8070% | 2,795 |
| Total domestic deposits to total assets | 90.6482% | 636 |
| Equity capital to assets | 8.4635% | 6,075 |
| Core capital (leverage) ratio | 8.4341% | 5,714 |
| Tier 1 risk-based capital ratio | 17.6315% | 2,404 |
| Total risk-based capital ratio | 18.8937% | 2,365 |
| Memoranda: | ||
| Average total assets | $1,059,583,200 | 623 |
| Average earning assets | $987,538,000 | 597 |
| Average equity | $90,545,400 | 769 |
| Average total loans | $577,726,600 | 717 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 6,485 |
| Cost of funding earning assets | 0.3924% | 6,158 |
| Net interest margin | 3.1309% | 5,868 |
| Noninterest income to average assets | 0.5287% | 3,752 |
| Noninterest expense to average assets | 2.1356% | 6,101 |
| Loan and lease loss provision to assets | 0.2633% | 2,466 |
| Net operating income to assets | 0.6898% | 3,955 |
| Return on assets (ROA) | 0.6898% | 4,213 |
| Pretax return on assets | 1.0553% | 3,518 |
| Return on Equity (ROE) | 8.0516% | 3,266 |
| Retained earnings to average equity (ytd only) | 8.0516% | 1,600 |
| Net charge-offs to loans | 0.1692% | 3,760 |
| Credit loss provision to net charge-offs | 285.1240% | 951 |
| Earnings coverage of net charge-offs (x) | 14.2768% | 1,845 |
| Efficiency ratio | 61.7155% | 5,201 |
| Assets per employee ($millions) | 5.6919% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9045% | 2,457 |
| Loan loss allowance to noncurrent loans | 499.0063% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 5,762 |
| Noncurrent loans to loans | 0.3816% | 5,708 |
| Net loans and leases to total assets | 54.9334% | 4,600 |
| Net loans and leases to deposits | 61.2355% | 5,057 |
| Net loans and leases to core deposits | 91.0727% | 1,865 |
| Total domestic deposits to total assets | 89.7085% | 1,001 |
| Equity capital to assets | 8.8810% | 5,941 |
| Core capital (leverage) ratio | 8.4869% | 5,765 |
| Tier 1 risk-based capital ratio | 17.8481% | 2,410 |
| Total risk-based capital ratio | 19.1108% | 2,370 |
| Memoranda: | ||
| Average total assets | $1,048,039,000 | 632 |
| Average earning assets | $979,285,000 | 605 |
| Average equity | $89,785,250 | 780 |
| Average total loans | $571,964,750 | 725 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5180% | 6,583 |
| Cost of funding earning assets | 0.4131% | 6,199 |
| Net interest margin | 3.1049% | 5,992 |
| Noninterest income to average assets | 0.4967% | 3,943 |
| Noninterest expense to average assets | 2.1219% | 6,194 |
| Loan and lease loss provision to assets | 0.2623% | 2,478 |
| Net operating income to assets | 0.6562% | 4,080 |
| Return on assets (ROA) | 0.6562% | 4,343 |
| Pretax return on assets | 1.0085% | 3,670 |
| Return on Equity (ROE) | 7.7532% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.7532% | 1,740 |
| Net charge-offs to loans | 0.2326% | 3,175 |
| Credit loss provision to net charge-offs | 208.4592% | 1,356 |
| Earnings coverage of net charge-offs (x) | 10.0982% | 2,095 |
| Efficiency ratio | 62.4307% | 5,178 |
| Assets per employee ($millions) | 5.7142% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 2,849 |
| Loan loss allowance to noncurrent loans | 549.9736% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 5,895 |
| Noncurrent loans to loans | 0.3277% | 5,896 |
| Net loans and leases to total assets | 54.9100% | 4,644 |
| Net loans and leases to deposits | 61.0271% | 5,128 |
| Net loans and leases to core deposits | 94.2743% | 1,574 |
| Total domestic deposits to total assets | 89.9764% | 936 |
| Equity capital to assets | 8.7465% | 5,974 |
| Core capital (leverage) ratio | 8.2616% | 5,975 |
| Tier 1 risk-based capital ratio | 17.5084% | 2,471 |
| Total risk-based capital ratio | 18.7696% | 2,433 |
| Memoranda: | ||
| Average total assets | $1,052,079,000 | 632 |
| Average earning assets | $981,301,330 | 605 |
| Average equity | $89,047,000 | 779 |
| Average total loans | $569,248,330 | 730 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4903% | 6,712 |
| Cost of funding earning assets | 0.4314% | 6,247 |
| Net interest margin | 3.0590% | 6,159 |
| Noninterest income to average assets | 0.4445% | 4,329 |
| Noninterest expense to average assets | 2.0815% | 6,304 |
| Loan and lease loss provision to assets | 0.2601% | 2,376 |
| Net operating income to assets | 0.6164% | 4,279 |
| Return on assets (ROA) | 0.6164% | 4,488 |
| Pretax return on assets | 0.9474% | 3,876 |
| Return on Equity (ROE) | 7.4033% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.4033% | 2,228 |
| Net charge-offs to loans | 0.1636% | 3,106 |
| Credit loss provision to net charge-offs | 298.7013% | 996 |
| Earnings coverage of net charge-offs (x) | 13.8658% | 1,504 |
| Efficiency ratio | 63.1706% | 5,074 |
| Assets per employee ($millions) | 6.0270% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 3,055 |
| Loan loss allowance to noncurrent loans | 425.2301% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 5,692 |
| Noncurrent loans to loans | 0.4190% | 5,831 |
| Net loans and leases to total assets | 52.8208% | 4,904 |
| Net loans and leases to deposits | 58.6650% | 5,305 |
| Net loans and leases to core deposits | 91.1897% | 1,728 |
| Total domestic deposits to total assets | 90.0381% | 1,065 |
| Equity capital to assets | 8.3632% | 6,209 |
| Core capital (leverage) ratio | 8.1118% | 6,145 |
| Tier 1 risk-based capital ratio | 17.1607% | 2,618 |
| Total risk-based capital ratio | 18.4213% | 2,577 |
| Memoranda: | ||
| Average total assets | $1,060,983,000 | 630 |
| Average earning assets | $986,609,000 | 600 |
| Average equity | $88,339,500 | 784 |
| Average total loans | $564,702,500 | 736 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 6,911 |
| Cost of funding earning assets | 0.6040% | 6,073 |
| Net interest margin | 3.0292% | 6,485 |
| Noninterest income to average assets | 0.3956% | 4,650 |
| Noninterest expense to average assets | 2.0075% | 6,661 |
| Loan and lease loss provision to assets | 0.2909% | 3,337 |
| Net operating income to assets | 0.5959% | 4,016 |
| Return on assets (ROA) | 0.6126% | 4,121 |
| Pretax return on assets | 0.9323% | 3,503 |
| Return on Equity (ROE) | 7.2614% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.2614% | 1,377 |
| Net charge-offs to loans | 0.2909% | 3,954 |
| Credit loss provision to net charge-offs | 183.9037% | 1,401 |
| Earnings coverage of net charge-offs (x) | 7.5741% | 2,316 |
| Efficiency ratio | 62.5008% | 5,380 |
| Assets per employee ($millions) | 6.1342% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 3,070 |
| Loan loss allowance to noncurrent loans | 272.4312% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 5,705 |
| Noncurrent loans to loans | 0.6373% | 5,441 |
| Net loans and leases to total assets | 51.7559% | 5,348 |
| Net loans and leases to deposits | 57.3793% | 5,766 |
| Net loans and leases to core deposits | 85.8448% | 2,653 |
| Total domestic deposits to total assets | 90.1995% | 882 |
| Equity capital to assets | 8.2892% | 6,361 |
| Core capital (leverage) ratio | 8.1223% | 6,111 |
| Tier 1 risk-based capital ratio | 16.7653% | 2,708 |
| Total risk-based capital ratio | 18.0247% | 2,666 |
| Memoranda: | ||
| Average total assets | $997,752,400 | 660 |
| Average earning assets | $925,492,800 | 643 |
| Average equity | $84,171,600 | 794 |
| Average total loans | $542,508,800 | 775 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 6,955 |
| Cost of funding earning assets | 0.6416% | 6,080 |
| Net interest margin | 3.0319% | 6,519 |
| Noninterest income to average assets | 0.4647% | 4,172 |
| Noninterest expense to average assets | 2.0827% | 6,528 |
| Loan and lease loss provision to assets | 0.3141% | 3,021 |
| Net operating income to assets | 0.5824% | 4,164 |
| Return on assets (ROA) | 0.6049% | 4,244 |
| Pretax return on assets | 0.9186% | 3,691 |
| Return on Equity (ROE) | 7.1373% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.1373% | 1,893 |
| Net charge-offs to loans | 0.3930% | 3,151 |
| Credit loss provision to net charge-offs | 145.7467% | 2,168 |
| Earnings coverage of net charge-offs (x) | 5.5614% | 2,750 |
| Efficiency ratio | 63.3504% | 5,172 |
| Assets per employee ($millions) | 5.9448% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 3,416 |
| Loan loss allowance to noncurrent loans | 249.7532% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 5,468 |
| Noncurrent loans to loans | 0.6644% | 5,559 |
| Net loans and leases to total assets | 53.7158% | 5,206 |
| Net loans and leases to deposits | 60.3398% | 5,593 |
| Net loans and leases to core deposits | 94.6496% | 1,729 |
| Total domestic deposits to total assets | 89.0223% | 1,422 |
| Equity capital to assets | 8.6384% | 6,159 |
| Core capital (leverage) ratio | 8.2253% | 6,101 |
| Tier 1 risk-based capital ratio | 16.5810% | 2,822 |
| Total risk-based capital ratio | 17.8392% | 2,782 |
| Memoranda: | ||
| Average total assets | $981,885,750 | 673 |
| Average earning assets | $912,140,250 | 659 |
| Average equity | $83,222,750 | 811 |
| Average total loans | $538,399,250 | 789 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6698% | 7,038 |
| Cost of funding earning assets | 0.6638% | 6,151 |
| Net interest margin | 3.0060% | 6,593 |
| Noninterest income to average assets | 0.4639% | 4,154 |
| Noninterest expense to average assets | 2.0914% | 6,614 |
| Loan and lease loss provision to assets | 0.3165% | 2,890 |
| Net operating income to assets | 0.5536% | 4,295 |
| Return on assets (ROA) | 0.5877% | 4,251 |
| Pretax return on assets | 0.8956% | 3,629 |
| Return on Equity (ROE) | 6.9800% | 3,456 |
| Retained earnings to average equity (ytd only) | 6.9800% | 1,888 |
| Net charge-offs to loans | 0.4371% | 2,825 |
| Credit loss provision to net charge-offs | 131.9076% | 2,315 |
| Earnings coverage of net charge-offs (x) | 4.8358% | 2,760 |
| Efficiency ratio | 64.1879% | 5,206 |
| Assets per employee ($millions) | 5.7911% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,714 |
| Loan loss allowance to noncurrent loans | 227.5871% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7011% | 5,505 |
| Noncurrent loans to loans | 0.7002% | 5,506 |
| Net loans and leases to total assets | 54.5819% | 5,211 |
| Net loans and leases to deposits | 60.9233% | 5,623 |
| Net loans and leases to core deposits | 96.8953% | 1,596 |
| Total domestic deposits to total assets | 89.5911% | 1,187 |
| Equity capital to assets | 8.5372% | 6,144 |
| Core capital (leverage) ratio | 8.1256% | 6,127 |
| Tier 1 risk-based capital ratio | 16.1301% | 2,914 |
| Total risk-based capital ratio | 17.3871% | 2,883 |
| Memoranda: | ||
| Average total assets | $974,288,330 | 688 |
| Average earning assets | $903,579,670 | 671 |
| Average equity | $82,034,330 | 818 |
| Average total loans | $534,940,000 | 799 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 7,102 |
| Cost of funding earning assets | 0.6784% | 6,257 |
| Net interest margin | 2.9774% | 6,616 |
| Noninterest income to average assets | 0.4111% | 4,620 |
| Noninterest expense to average assets | 2.0743% | 6,687 |
| Loan and lease loss provision to assets | 0.3192% | 2,635 |
| Net operating income to assets | 0.5133% | 4,442 |
| Return on assets (ROA) | 0.5783% | 4,219 |
| Pretax return on assets | 0.8722% | 3,612 |
| Return on Equity (ROE) | 6.9175% | 3,425 |
| Retained earnings to average equity (ytd only) | 6.9175% | 2,182 |
| Net charge-offs to loans | 0.5222% | 2,180 |
| Credit loss provision to net charge-offs | 111.9013% | 2,396 |
| Earnings coverage of net charge-offs (x) | 3.8316% | 2,620 |
| Efficiency ratio | 65.3640% | 5,143 |
| Assets per employee ($millions) | 5.8796% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,755 |
| Loan loss allowance to noncurrent loans | 154.9533% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 5,246 |
| Noncurrent loans to loans | 1.0287% | 4,999 |
| Net loans and leases to total assets | 53.2025% | 5,422 |
| Net loans and leases to deposits | 59.3334% | 5,787 |
| Net loans and leases to core deposits | 93.8236% | 1,906 |
| Total domestic deposits to total assets | 89.6670% | 1,381 |
| Equity capital to assets | 8.3230% | 6,136 |
| Core capital (leverage) ratio | 8.1556% | 6,039 |
| Tier 1 risk-based capital ratio | 16.1425% | 2,838 |
| Total risk-based capital ratio | 17.3992% | 2,801 |
| Memoranda: | ||
| Average total assets | $966,294,500 | 695 |
| Average earning assets | $894,479,500 | 677 |
| Average equity | $80,780,500 | 821 |
| Average total loans | $527,778,000 | 819 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 7,065 |
| Cost of funding earning assets | 0.9301% | 6,030 |
| Net interest margin | 3.1515% | 6,384 |
| Noninterest income to average assets | 0.4230% | 4,725 |
| Noninterest expense to average assets | 2.1167% | 6,809 |
| Loan and lease loss provision to assets | 0.3569% | 3,982 |
| Net operating income to assets | 0.5593% | 3,853 |
| Return on assets (ROA) | 0.5593% | 4,012 |
| Pretax return on assets | 0.8548% | 3,462 |
| Return on Equity (ROE) | 6.6365% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.6365% | 1,491 |
| Net charge-offs to loans | 0.5143% | 3,560 |
| Credit loss provision to net charge-offs | 116.5331% | 3,687 |
| Earnings coverage of net charge-offs (x) | 3.9567% | 3,123 |
| Efficiency ratio | 63.4579% | 5,436 |
| Assets per employee ($millions) | 5.7270% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 3,583 |
| Loan loss allowance to noncurrent loans | 165.4818% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 5,173 |
| Noncurrent loans to loans | 0.9651% | 5,121 |
| Net loans and leases to total assets | 54.3100% | 5,597 |
| Net loans and leases to deposits | 60.3056% | 6,025 |
| Net loans and leases to core deposits | 96.2432% | 1,979 |
| Total domestic deposits to total assets | 90.0579% | 1,062 |
| Equity capital to assets | 8.3978% | 6,004 |
| Core capital (leverage) ratio | 8.1703% | 5,873 |
| Tier 1 risk-based capital ratio | 15.7983% | 2,842 |
| Total risk-based capital ratio | 17.0546% | 2,805 |
| Memoranda: | ||
| Average total assets | $896,693,800 | 747 |
| Average earning assets | $826,660,600 | 733 |
| Average equity | $75,566,400 | 875 |
| Average total loans | $533,908,800 | 842 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 7,153 |
| Cost of funding earning assets | 0.9852% | 6,009 |
| Net interest margin | 3.1670% | 6,436 |
| Noninterest income to average assets | 0.4638% | 4,461 |
| Noninterest expense to average assets | 2.1242% | 6,799 |
| Loan and lease loss provision to assets | 0.3208% | 4,021 |
| Net operating income to assets | 0.6182% | 3,801 |
| Return on assets (ROA) | 0.6182% | 3,969 |
| Pretax return on assets | 0.9435% | 3,393 |
| Return on Equity (ROE) | 7.3288% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.3288% | 1,683 |
| Net charge-offs to loans | 0.3635% | 3,848 |
| Credit loss provision to net charge-offs | 145.3488% | 2,702 |
| Earnings coverage of net charge-offs (x) | 5.7285% | 2,688 |
| Efficiency ratio | 62.5501% | 5,514 |
| Assets per employee ($millions) | 5.6557% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 3,466 |
| Loan loss allowance to noncurrent loans | 249.6077% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8821% | 5,331 |
| Noncurrent loans to loans | 0.6465% | 5,914 |
| Net loans and leases to total assets | 56.4556% | 5,486 |
| Net loans and leases to deposits | 63.1271% | 6,010 |
| Net loans and leases to core deposits | 104.6551% | 1,429 |
| Total domestic deposits to total assets | 89.4316% | 1,157 |
| Equity capital to assets | 8.6276% | 6,125 |
| Core capital (leverage) ratio | 8.3047% | 5,864 |
| Tier 1 risk-based capital ratio | 15.4536% | 3,027 |
| Total risk-based capital ratio | 16.7103% | 2,992 |
| Memoranda: | ||
| Average total assets | $883,195,000 | 764 |
| Average earning assets | $815,641,750 | 746 |
| Average equity | $74,498,750 | 884 |
| Average total loans | $536,211,250 | 841 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 7,131 |
| Cost of funding earning assets | 1.0498% | 5,916 |
| Net interest margin | 3.1880% | 6,360 |
| Noninterest income to average assets | 0.4915% | 4,183 |
| Noninterest expense to average assets | 2.1637% | 6,734 |
| Loan and lease loss provision to assets | 0.3339% | 3,730 |
| Net operating income to assets | 0.6103% | 3,836 |
| Return on assets (ROA) | 0.6103% | 3,968 |
| Pretax return on assets | 0.9327% | 3,378 |
| Return on Equity (ROE) | 7.2945% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.2945% | 1,717 |
| Net charge-offs to loans | 0.3654% | 3,535 |
| Credit loss provision to net charge-offs | 147.6578% | 2,675 |
| Earnings coverage of net charge-offs (x) | 5.6008% | 2,633 |
| Efficiency ratio | 62.9406% | 5,533 |
| Assets per employee ($millions) | 5.5358% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 3,660 |
| Loan loss allowance to noncurrent loans | 177.3131% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 1.0226% | 5,094 |
| Noncurrent loans to loans | 0.8757% | 5,517 |
| Net loans and leases to total assets | 58.9830% | 5,250 |
| Net loans and leases to deposits | 65.5864% | 5,862 |
| Net loans and leases to core deposits | 109.8111% | 1,176 |
| Total domestic deposits to total assets | 89.9317% | 950 |
| Equity capital to assets | 8.5509% | 6,099 |
| Core capital (leverage) ratio | 8.4438% | 5,504 |
| Tier 1 risk-based capital ratio | 14.7434% | 3,303 |
| Total risk-based capital ratio | 15.9990% | 3,272 |
| Memoranda: | ||
| Average total assets | $868,414,670 | 777 |
| Average earning assets | $800,559,670 | 760 |
| Average equity | $72,657,000 | 912 |
| Average total loans | $537,536,670 | 850 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 7,060 |
| Cost of funding earning assets | 1.1213% | 5,797 |
| Net interest margin | 3.2349% | 6,180 |
| Noninterest income to average assets | 0.4580% | 4,395 |
| Noninterest expense to average assets | 2.2061% | 6,674 |
| Loan and lease loss provision to assets | 0.3171% | 3,516 |
| Net operating income to assets | 0.5933% | 3,919 |
| Return on assets (ROA) | 0.5933% | 4,066 |
| Pretax return on assets | 0.9057% | 3,447 |
| Return on Equity (ROE) | 7.1755% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.1755% | 2,057 |
| Net charge-offs to loans | 0.2582% | 3,388 |
| Credit loss provision to net charge-offs | 195.0867% | 1,901 |
| Earnings coverage of net charge-offs (x) | 7.5231% | 2,077 |
| Efficiency ratio | 64.2006% | 5,459 |
| Assets per employee ($millions) | 5.3773% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,729 |
| Loan loss allowance to noncurrent loans | 180.9513% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 4,873 |
| Noncurrent loans to loans | 0.8479% | 5,619 |
| Net loans and leases to total assets | 61.1951% | 4,908 |
| Net loans and leases to deposits | 67.7260% | 5,626 |
| Net loans and leases to core deposits | 119.8934% | 790 |
| Total domestic deposits to total assets | 90.3569% | 799 |
| Equity capital to assets | 8.1985% | 6,432 |
| Core capital (leverage) ratio | 8.1534% | 5,987 |
| Tier 1 risk-based capital ratio | 13.4426% | 4,025 |
| Total risk-based capital ratio | 14.6976% | 3,984 |
| Memoranda: | ||
| Average total assets | $851,451,500 | 808 |
| Average earning assets | $781,961,000 | 800 |
| Average equity | $70,406,500 | 947 |
| Average total loans | $535,994,000 | 877 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7601% | 7,025 |
| Cost of funding earning assets | 1.4450% | 5,740 |
| Net interest margin | 3.3150% | 5,680 |
| Noninterest income to average assets | 0.4616% | 4,707 |
| Noninterest expense to average assets | 2.3975% | 6,476 |
| Loan and lease loss provision to assets | 0.7444% | 2,878 |
| Net operating income to assets | 0.2204% | 4,832 |
| Return on assets (ROA) | 0.2675% | 4,736 |
| Pretax return on assets | 0.4235% | 4,425 |
| Return on Equity (ROE) | 3.2098% | 4,411 |
| Retained earnings to average equity (ytd only) | 3.2098% | 2,911 |
| Net charge-offs to loans | 0.6125% | 3,374 |
| Credit loss provision to net charge-offs | 188.1940% | 2,142 |
| Earnings coverage of net charge-offs (x) | 2.7666% | 3,712 |
| Efficiency ratio | 68.5054% | 4,920 |
| Assets per employee ($millions) | 5.2323% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 3,807 |
| Loan loss allowance to noncurrent loans | 154.2023% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 1.2361% | 4,626 |
| Noncurrent loans to loans | 0.9627% | 5,384 |
| Net loans and leases to total assets | 62.8332% | 4,845 |
| Net loans and leases to deposits | 69.2822% | 5,690 |
| Net loans and leases to core deposits | 168.9151% | 245 |
| Total domestic deposits to total assets | 90.6916% | 662 |
| Equity capital to assets | 8.3419% | 6,139 |
| Core capital (leverage) ratio | 8.1640% | 5,875 |
| Tier 1 risk-based capital ratio | 12.8295% | 4,265 |
| Total risk-based capital ratio | 14.0831% | 4,213 |
| Memoranda: | ||
| Average total assets | $755,922,200 | 904 |
| Average earning assets | $690,979,600 | 900 |
| Average equity | $62,993,600 | 1,051 |
| Average total loans | $488,159,000 | 989 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 7,142 |
| Cost of funding earning assets | 1.5094% | 5,781 |
| Net interest margin | 3.2793% | 5,716 |
| Noninterest income to average assets | 0.4627% | 4,798 |
| Noninterest expense to average assets | 2.3501% | 6,553 |
| Loan and lease loss provision to assets | 0.5483% | 3,198 |
| Net operating income to assets | 0.3622% | 4,543 |
| Return on assets (ROA) | 0.4267% | 4,396 |
| Pretax return on assets | 0.6657% | 3,968 |
| Return on Equity (ROE) | 5.1214% | 3,912 |
| Retained earnings to average equity (ytd only) | 5.1214% | 2,416 |
| Net charge-offs to loans | 0.4797% | 3,311 |
| Credit loss provision to net charge-offs | 176.3848% | 2,620 |
| Earnings coverage of net charge-offs (x) | 3.5813% | 3,473 |
| Efficiency ratio | 67.6942% | 5,044 |
| Assets per employee ($millions) | 4.9797% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 4,571 |
| Loan loss allowance to noncurrent loans | 128.9623% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 1.4555% | 4,203 |
| Noncurrent loans to loans | 1.0002% | 5,304 |
| Net loans and leases to total assets | 63.3840% | 4,998 |
| Net loans and leases to deposits | 70.8421% | 5,807 |
| Net loans and leases to core deposits | 173.6982% | 235 |
| Total domestic deposits to total assets | 89.4722% | 985 |
| Equity capital to assets | 8.7597% | 5,866 |
| Core capital (leverage) ratio | 8.6778% | 5,167 |
| Tier 1 risk-based capital ratio | 13.2103% | 4,045 |
| Total risk-based capital ratio | 14.4608% | 3,987 |
| Memoranda: | ||
| Average total assets | $735,612,500 | 934 |
| Average earning assets | $673,097,500 | 934 |
| Average equity | $61,283,250 | 1,101 |
| Average total loans | $476,713,500 | 1,028 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 7,187 |
| Cost of funding earning assets | 1.6227% | 5,652 |
| Net interest margin | 3.2007% | 5,912 |
| Noninterest income to average assets | 0.4891% | 4,540 |
| Noninterest expense to average assets | 2.3310% | 6,673 |
| Loan and lease loss provision to assets | 0.4544% | 3,260 |
| Net operating income to assets | 0.3974% | 4,524 |
| Return on assets (ROA) | 0.3974% | 4,633 |
| Pretax return on assets | 0.6208% | 4,268 |
| Return on Equity (ROE) | 4.8626% | 4,139 |
| Retained earnings to average equity (ytd only) | 4.8626% | 2,583 |
| Net charge-offs to loans | 0.4055% | 3,171 |
| Credit loss provision to net charge-offs | 172.3224% | 2,670 |
| Earnings coverage of net charge-offs (x) | 4.0774% | 3,227 |
| Efficiency ratio | 68.2703% | 5,110 |
| Assets per employee ($millions) | 4.8172% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,723 |
| Loan loss allowance to noncurrent loans | 137.4540% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 4,356 |
| Noncurrent loans to loans | 0.8974% | 5,419 |
| Net loans and leases to total assets | 63.2167% | 5,143 |
| Net loans and leases to deposits | 70.7166% | 5,910 |
| Net loans and leases to core deposits | 177.6569% | 244 |
| Total domestic deposits to total assets | 89.3945% | 1,082 |
| Equity capital to assets | 9.0783% | 5,201 |
| Core capital (leverage) ratio | 8.9844% | 4,659 |
| Tier 1 risk-based capital ratio | 13.7558% | 3,651 |
| Total risk-based capital ratio | 14.9926% | 3,598 |
| Memoranda: | ||
| Average total assets | $715,233,330 | 977 |
| Average earning assets | $651,863,670 | 978 |
| Average equity | $58,446,670 | 1,160 |
| Average total loans | $465,081,000 | 1,069 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 7,367 |
| Cost of funding earning assets | 1.8057% | 5,090 |
| Net interest margin | 2.9954% | 6,487 |
| Noninterest income to average assets | 0.4975% | 4,338 |
| Noninterest expense to average assets | 2.2554% | 6,676 |
| Loan and lease loss provision to assets | 0.3023% | 3,527 |
| Net operating income to assets | 0.4290% | 4,749 |
| Return on assets (ROA) | 0.4290% | 4,924 |
| Pretax return on assets | 0.6506% | 4,589 |
| Return on Equity (ROE) | 5.5867% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.5867% | 2,829 |
| Net charge-offs to loans | 0.5733% | 2,032 |
| Credit loss provision to net charge-offs | 80.3982% | 4,184 |
| Earnings coverage of net charge-offs (x) | 2.5345% | 3,481 |
| Efficiency ratio | 70.1184% | 4,555 |
| Assets per employee ($millions) | 5.0052% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,392 |
| Loan loss allowance to noncurrent loans | 116.3173% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9961% | 4,704 |
| Noncurrent loans to loans | 0.9551% | 5,085 |
| Net loans and leases to total assets | 62.8676% | 5,178 |
| Net loans and leases to deposits | 68.8681% | 6,095 |
| Net loans and leases to core deposits | 166.0413% | 408 |
| Total domestic deposits to total assets | 91.2870% | 331 |
| Equity capital to assets | 7.6829% | 7,193 |
| Core capital (leverage) ratio | 7.8193% | 6,721 |
| Tier 1 risk-based capital ratio | 11.4104% | 5,496 |
| Total risk-based capital ratio | 12.5065% | 5,552 |
| Memoranda: | ||
| Average total assets | $694,702,500 | 1,015 |
| Average earning assets | $628,691,000 | 1,023 |
| Average equity | $53,340,500 | 1,266 |
| Average total loans | $455,583,500 | 1,105 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1059% | 5,010 |
| Cost of funding earning assets | 2.8299% | 2,583 |
| Net interest margin | 3.2760% | 6,119 |
| Noninterest income to average assets | 0.4754% | 4,833 |
| Noninterest expense to average assets | 2.4408% | 6,251 |
| Loan and lease loss provision to assets | 0.4720% | 2,941 |
| Net operating income to assets | 0.3298% | 5,445 |
| Return on assets (ROA) | 0.3383% | 5,226 |
| Pretax return on assets | 0.5257% | 4,914 |
| Return on Equity (ROE) | 4.2911% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.2911% | 2,445 |
| Net charge-offs to loans | 0.2853% | 3,497 |
| Credit loss provision to net charge-offs | 236.6071% | 1,998 |
| Earnings coverage of net charge-offs (x) | 4.9348% | 3,810 |
| Efficiency ratio | 71.0437% | 4,125 |
| Assets per employee ($millions) | 4.7385% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 4,670 |
| Loan loss allowance to noncurrent loans | 209.3824% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 5,575 |
| Noncurrent loans to loans | 0.5656% | 5,671 |
| Net loans and leases to total assets | 67.0020% | 4,635 |
| Net loans and leases to deposits | 73.1215% | 5,936 |
| Net loans and leases to core deposits | 152.9005% | 752 |
| Total domestic deposits to total assets | 91.6311% | 185 |
| Equity capital to assets | 7.6730% | 7,234 |
| Core capital (leverage) ratio | 7.6798% | 6,968 |
| Tier 1 risk-based capital ratio | 10.5584% | 6,146 |
| Total risk-based capital ratio | 11.7226% | 6,117 |
| Memoranda: | ||
| Average total assets | $561,381,400 | 1,204 |
| Average earning assets | $505,496,400 | 1,218 |
| Average equity | $44,254,000 | 1,521 |
| Average total loans | $392,543,800 | 1,233 |