Home > Texas First Bank > Performance and Condition Ratios
Texas First 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 | 4.4268% | 3,231 |
| Cost of funding earning assets | 1.3344% | 2,412 |
| Net interest margin | 3.0924% | 3,108 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.3299% | 2,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0844% | 1,960 |
| Return on assets (ROA) | 1.1220% | 1,827 |
| Pretax return on assets | 1.1220% | 2,342 |
| Return on Equity (ROE) | 13.6100% | 1,577 |
| Retained earnings to average equity (ytd only) | 8.2783% | 1,464 |
| Net charge-offs to loans | -0.0377% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.9355% | 2,118 |
| Assets per employee ($millions) | 8.1440% | 1,364 |
| Cash dividends to net income (ytd only)* | 39.1640% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,413 |
| Loan loss allowance to noncurrent loans | 341.6979% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 2,311 |
| Noncurrent loans to loans | 0.3451% | 1,945 |
| Net loans and leases to total assets | 52.5500% | 3,452 |
| Net loans and leases to deposits | 61.8880% | 3,413 |
| Net loans and leases to core deposits | 66.5681% | 3,474 |
| Total domestic deposits to total assets | 84.9200% | 2,336 |
| Equity capital to assets | 8.7867% | 2,839 |
| Core capital (leverage) ratio | 9.5654% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2615% | 1,460 |
| Memoranda: | ||
| Average total assets | $2,162,008,600 | 528 |
| Average earning assets | $2,009,522,600 | 519 |
| Average equity | $178,261,200 | 595 |
| Average total loans | $1,093,105,400 | 682 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 3,274 |
| Cost of funding earning assets | 0.9891% | 2,640 |
| Net interest margin | 3.2217% | 2,932 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.4328% | 2,395 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.1140% | 2,085 |
| Return on assets (ROA) | 1.1884% | 1,854 |
| Pretax return on assets | 1.1884% | 2,391 |
| Return on Equity (ROE) | 14.6500% | 1,541 |
| Retained earnings to average equity (ytd only) | 6.0753% | 2,593 |
| Net charge-offs to loans | 0.0114% | 1,769 |
| Credit loss provision to net charge-offs | 139.3443% | 1,243 |
| Earnings coverage of net charge-offs (x) | 198.3279% | 614 |
| Efficiency ratio | 68.2198% | 1,963 |
| Assets per employee ($millions) | 8.2462% | 1,210 |
| Cash dividends to net income (ytd only)* | 58.5252% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 1,005 |
| Loan loss allowance to noncurrent loans | 776.1535% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 2,843 |
| Noncurrent loans to loans | 0.2016% | 2,462 |
| Net loans and leases to total assets | 48.1900% | 3,673 |
| Net loans and leases to deposits | 56.5298% | 3,607 |
| Net loans and leases to core deposits | 60.2458% | 3,621 |
| Total domestic deposits to total assets | 85.2500% | 2,476 |
| Equity capital to assets | 7.9301% | 3,259 |
| Core capital (leverage) ratio | 9.2309% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5959% | 1,408 |
| Memoranda: | ||
| Average total assets | $2,156,661,667 | 518 |
| Average earning assets | $2,003,273,667 | 510 |
| Average equity | $174,971,000 | 590 |
| Average total loans | $1,068,345,333 | 677 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 3,199 |
| Cost of funding earning assets | 0.6511% | 3,217 |
| Net interest margin | 3.4749% | 2,437 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.4261% | 2,451 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.3387% | 1,571 |
| Return on assets (ROA) | 1.3224% | 1,582 |
| Pretax return on assets | 1.3224% | 2,111 |
| Return on Equity (ROE) | 16.1100% | 1,336 |
| Retained earnings to average equity (ytd only) | 7.5140% | 2,361 |
| Net charge-offs to loans | 0.0200% | 1,280 |
| Credit loss provision to net charge-offs | 160.3774% | 918 |
| Earnings coverage of net charge-offs (x) | 135.8491% | 646 |
| Efficiency ratio | 63.9594% | 2,469 |
| Assets per employee ($millions) | 8.3222% | 1,195 |
| Cash dividends to net income (ytd only)* | 53.3580% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,013 |
| Loan loss allowance to noncurrent loans | 875.7342% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 2,889 |
| Noncurrent loans to loans | 0.1825% | 2,568 |
| Net loans and leases to total assets | 49.7200% | 3,516 |
| Net loans and leases to deposits | 57.0861% | 3,504 |
| Net loans and leases to core deposits | 58.6182% | 3,600 |
| Total domestic deposits to total assets | 87.0900% | 2,230 |
| Equity capital to assets | 8.5012% | 2,889 |
| Core capital (leverage) ratio | 9.2866% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7070% | 1,439 |
| Memoranda: | ||
| Average total assets | $2,125,874,000 | 539 |
| Average earning assets | $1,976,327,500 | 528 |
| Average equity | $174,502,000 | 604 |
| Average total loans | $1,059,543,000 | 694 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 2,598 |
| Cost of funding earning assets | 0.2039% | 3,724 |
| Net interest margin | 3.4711% | 2,029 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.1536% | 3,146 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5652% | 751 |
| Return on assets (ROA) | 1.6698% | 551 |
| Pretax return on assets | 1.6698% | 996 |
| Return on Equity (ROE) | 20.9000% | 402 |
| Retained earnings to average equity (ytd only) | 11.4149% | 805 |
| Net charge-offs to loans | 0.0039% | 2,312 |
| Credit loss provision to net charge-offs | 2,861.5385% | 199 |
| Earnings coverage of net charge-offs (x) | 889.3846% | 202 |
| Efficiency ratio | 56.8802% | 3,479 |
| Assets per employee ($millions) | 8.4497% | 1,119 |
| Cash dividends to net income (ytd only)* | 45.3746% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 964 |
| Loan loss allowance to noncurrent loans | 726.9066% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 2,763 |
| Noncurrent loans to loans | 0.2212% | 2,382 |
| Net loans and leases to total assets | 48.3800% | 3,650 |
| Net loans and leases to deposits | 55.2641% | 3,612 |
| Net loans and leases to core deposits | 56.6642% | 3,693 |
| Total domestic deposits to total assets | 87.5400% | 2,219 |
| Equity capital to assets | 7.9213% | 3,104 |
| Core capital (leverage) ratio | 9.0201% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5293% | 1,469 |
| Memoranda: | ||
| Average total assets | $2,144,792,000 | 520 |
| Average earning assets | $2,008,728,000 | 504 |
| Average equity | $171,381,800 | 607 |
| Average total loans | $999,250,600 | 680 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5550% | 2,450 |
| Cost of funding earning assets | 0.1521% | 3,830 |
| Net interest margin | 3.4029% | 1,971 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.1292% | 3,136 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.5245% | 798 |
| Return on assets (ROA) | 1.7477% | 464 |
| Pretax return on assets | 1.7477% | 814 |
| Return on Equity (ROE) | 21.8200% | 300 |
| Retained earnings to average equity (ytd only) | 13.8660% | 481 |
| Net charge-offs to loans | 0.0045% | 2,029 |
| Credit loss provision to net charge-offs | 2,563.6364% | 203 |
| Earnings coverage of net charge-offs (x) | 768.6667% | 214 |
| Efficiency ratio | 57.2109% | 3,487 |
| Assets per employee ($millions) | 8.5144% | 1,057 |
| Cash dividends to net income (ytd only)* | 36.4652% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 990 |
| Loan loss allowance to noncurrent loans | 1,066.4751% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,159 |
| Noncurrent loans to loans | 0.1538% | 2,839 |
| Net loans and leases to total assets | 46.8600% | 3,718 |
| Net loans and leases to deposits | 51.0211% | 3,787 |
| Net loans and leases to core deposits | 52.3662% | 3,836 |
| Total domestic deposits to total assets | 91.8400% | 928 |
| Equity capital to assets | 7.6904% | 3,093 |
| Core capital (leverage) ratio | 8.8003% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4298% | 1,590 |
| Memoranda: | ||
| Average total assets | $2,144,434,000 | 516 |
| Average earning assets | $2,012,642,750 | 503 |
| Average equity | $171,725,000 | 611 |
| Average total loans | $985,233,750 | 687 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 2,299 |
| Cost of funding earning assets | 0.1343% | 3,782 |
| Net interest margin | 3.3152% | 1,867 |
| Noninterest income to average assets | 0.5141% | 2,121 |
| Noninterest expense to average assets | 2.0684% | 3,239 |
| Loan and lease loss provision to assets | 0.0538% | 1,613 |
| Net operating income to assets | 1.5119% | 689 |
| Return on assets (ROA) | 1.8193% | 320 |
| Pretax return on assets | 1.8193% | 570 |
| Return on Equity (ROE) | 22.4236% | 184 |
| Retained earnings to average equity (ytd only) | 14.6731% | 292 |
| Net charge-offs to loans | 0.0033% | 1,938 |
| Credit loss provision to net charge-offs | 3,612.5000% | 149 |
| Earnings coverage of net charge-offs (x) | 1,050.4375% | 124 |
| Efficiency ratio | 56.6752% | 3,707 |
| Assets per employee ($millions) | 8.7416% | 977 |
| Cash dividends to net income (ytd only)* | 34.5640% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 1,085 |
| Loan loss allowance to noncurrent loans | 1,040.4175% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,248 |
| Noncurrent loans to loans | 0.1567% | 2,906 |
| Net loans and leases to total assets | 45.5941% | 3,734 |
| Net loans and leases to deposits | 49.4576% | 3,834 |
| Net loans and leases to core deposits | 50.7796% | 3,890 |
| Total domestic deposits to total assets | 92.1882% | 765 |
| Equity capital to assets | 7.5460% | 3,440 |
| Core capital (leverage) ratio | 8.5386% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3541% | 1,613 |
| Memoranda: | ||
| Average total assets | $2,146,871,333 | 513 |
| Average earning assets | $2,020,453,000 | 504 |
| Average equity | $174,182,333 | 604 |
| Average total loans | $974,289,667 | 685 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 1,904 |
| Cost of funding earning assets | 0.1319% | 3,745 |
| Net interest margin | 3.3341% | 1,486 |
| Noninterest income to average assets | 0.5208% | 2,038 |
| Noninterest expense to average assets | 2.0899% | 3,176 |
| Loan and lease loss provision to assets | 0.0563% | 1,382 |
| Net operating income to assets | 1.5152% | 606 |
| Return on assets (ROA) | 1.7250% | 390 |
| Pretax return on assets | 1.7250% | 648 |
| Return on Equity (ROE) | 20.5283% | 215 |
| Retained earnings to average equity (ytd only) | 13.8299% | 392 |
| Net charge-offs to loans | 0.0033% | 1,661 |
| Credit loss provision to net charge-offs | 3,750.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,047.0000% | 76 |
| Efficiency ratio | 56.8383% | 3,806 |
| Assets per employee ($millions) | 8.6727% | 1,038 |
| Cash dividends to net income (ytd only)* | 32.6300% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 1,182 |
| Loan loss allowance to noncurrent loans | 1,009.2951% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,317 |
| Noncurrent loans to loans | 0.1621% | 2,996 |
| Net loans and leases to total assets | 45.7702% | 3,602 |
| Net loans and leases to deposits | 49.9385% | 3,733 |
| Net loans and leases to core deposits | 51.3487% | 3,779 |
| Total domestic deposits to total assets | 91.6532% | 725 |
| Equity capital to assets | 8.1419% | 3,456 |
| Core capital (leverage) ratio | 8.3910% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2922% | 1,693 |
| Memoranda: | ||
| Average total assets | $2,131,979,000 | 518 |
| Average earning assets | $2,008,213,500 | 510 |
| Average equity | $179,148,000 | 604 |
| Average total loans | $956,997,000 | 689 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 2,139 |
| Cost of funding earning assets | 0.1557% | 3,911 |
| Net interest margin | 3.5336% | 1,640 |
| Noninterest income to average assets | 0.5344% | 2,420 |
| Noninterest expense to average assets | 2.1481% | 3,234 |
| Loan and lease loss provision to assets | 0.0991% | 1,260 |
| Net operating income to assets | 1.6038% | 796 |
| Return on assets (ROA) | 1.6662% | 716 |
| Pretax return on assets | 1.6662% | 1,229 |
| Return on Equity (ROE) | 18.0593% | 463 |
| Retained earnings to average equity (ytd only) | 10.3694% | 827 |
| Net charge-offs to loans | 0.0077% | 2,288 |
| Credit loss provision to net charge-offs | 2,594.5946% | 255 |
| Earnings coverage of net charge-offs (x) | 445.9865% | 298 |
| Efficiency ratio | 54.6849% | 3,856 |
| Assets per employee ($millions) | 8.5225% | 1,076 |
| Cash dividends to net income (ytd only)* | 42.5815% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 1,015 |
| Loan loss allowance to noncurrent loans | 321.7497% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 2,403 |
| Noncurrent loans to loans | 0.5337% | 1,795 |
| Net loans and leases to total assets | 42.5121% | 3,949 |
| Net loans and leases to deposits | 46.6693% | 4,065 |
| Net loans and leases to core deposits | 47.9748% | 4,094 |
| Total domestic deposits to total assets | 91.0921% | 463 |
| Equity capital to assets | 8.6621% | 3,924 |
| Core capital (leverage) ratio | 8.3648% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5792% | 1,657 |
| Memoranda: | ||
| Average total assets | $1,938,032,400 | 551 |
| Average earning assets | $1,819,001,600 | 543 |
| Average equity | $178,805,600 | 609 |
| Average total loans | $955,220,200 | 684 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 2,066 |
| Cost of funding earning assets | 0.1622% | 3,999 |
| Net interest margin | 3.6163% | 1,559 |
| Noninterest income to average assets | 0.5474% | 2,418 |
| Noninterest expense to average assets | 2.1694% | 3,171 |
| Loan and lease loss provision to assets | 0.0886% | 1,346 |
| Net operating income to assets | 1.6784% | 868 |
| Return on assets (ROA) | 1.6995% | 868 |
| Pretax return on assets | 1.6995% | 1,402 |
| Return on Equity (ROE) | 18.1074% | 617 |
| Retained earnings to average equity (ytd only) | 10.2062% | 1,263 |
| Net charge-offs to loans | 0.0073% | 2,045 |
| Credit loss provision to net charge-offs | 2,367.9245% | 294 |
| Earnings coverage of net charge-offs (x) | 472.0566% | 314 |
| Efficiency ratio | 54.6838% | 3,706 |
| Assets per employee ($millions) | 8.4708% | 1,065 |
| Cash dividends to net income (ytd only)* | 43.6355% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 1,203 |
| Loan loss allowance to noncurrent loans | 286.2723% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 2,454 |
| Noncurrent loans to loans | 0.5792% | 1,861 |
| Net loans and leases to total assets | 44.6565% | 3,899 |
| Net loans and leases to deposits | 49.3309% | 4,040 |
| Net loans and leases to core deposits | 50.8136% | 4,091 |
| Total domestic deposits to total assets | 90.5244% | 546 |
| Equity capital to assets | 9.1435% | 3,706 |
| Core capital (leverage) ratio | 8.5255% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0289% | 1,604 |
| Memoranda: | ||
| Average total assets | $1,887,751,000 | 568 |
| Average earning assets | $1,769,127,000 | 557 |
| Average equity | $177,182,750 | 621 |
| Average total loans | $962,703,000 | 698 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 2,206 |
| Cost of funding earning assets | 0.1701% | 4,041 |
| Net interest margin | 3.5796% | 1,636 |
| Noninterest income to average assets | 0.5327% | 2,477 |
| Noninterest expense to average assets | 2.1756% | 3,170 |
| Loan and lease loss provision to assets | 0.0882% | 1,404 |
| Net operating income to assets | 1.6179% | 1,018 |
| Return on assets (ROA) | 1.6187% | 1,071 |
| Pretax return on assets | 1.6187% | 1,687 |
| Return on Equity (ROE) | 17.0849% | 766 |
| Retained earnings to average equity (ytd only) | 7.9180% | 2,109 |
| Net charge-offs to loans | 0.0033% | 2,058 |
| Credit loss provision to net charge-offs | 5,075.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 982.1250% | 129 |
| Efficiency ratio | 55.6037% | 3,588 |
| Assets per employee ($millions) | 8.0504% | 1,186 |
| Cash dividends to net income (ytd only)* | 53.6553% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 1,537 |
| Loan loss allowance to noncurrent loans | 288.0606% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 2,589 |
| Noncurrent loans to loans | 0.5263% | 2,095 |
| Net loans and leases to total assets | 50.0975% | 3,546 |
| Net loans and leases to deposits | 55.3524% | 3,763 |
| Net loans and leases to core deposits | 57.0613% | 3,833 |
| Total domestic deposits to total assets | 90.5064% | 552 |
| Equity capital to assets | 9.2188% | 3,592 |
| Core capital (leverage) ratio | 8.4849% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,842,162,667 | 576 |
| Average earning assets | $1,723,454,000 | 565 |
| Average equity | $174,540,000 | 623 |
| Average total loans | $977,163,667 | 689 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 1,708 |
| Cost of funding earning assets | 0.1763% | 4,108 |
| Net interest margin | 3.7735% | 1,194 |
| Noninterest income to average assets | 0.5405% | 2,436 |
| Noninterest expense to average assets | 2.2061% | 3,089 |
| Loan and lease loss provision to assets | 0.0944% | 1,421 |
| Net operating income to assets | 1.7715% | 827 |
| Return on assets (ROA) | 1.7715% | 881 |
| Pretax return on assets | 1.7715% | 1,351 |
| Return on Equity (ROE) | 18.4308% | 673 |
| Retained earnings to average equity (ytd only) | 9.1888% | 1,893 |
| Net charge-offs to loans | 0.0041% | 1,771 |
| Credit loss provision to net charge-offs | 4,250.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 840.2000% | 113 |
| Efficiency ratio | 53.7467% | 3,815 |
| Assets per employee ($millions) | 7.8049% | 1,286 |
| Cash dividends to net income (ytd only)* | 50.1442% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,771 |
| Loan loss allowance to noncurrent loans | 272.5679% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 2,735 |
| Noncurrent loans to loans | 0.5325% | 2,257 |
| Net loans and leases to total assets | 52.4064% | 3,404 |
| Net loans and leases to deposits | 57.9033% | 3,651 |
| Net loans and leases to core deposits | 59.7713% | 3,715 |
| Total domestic deposits to total assets | 90.5067% | 584 |
| Equity capital to assets | 9.2719% | 3,424 |
| Core capital (leverage) ratio | 8.8914% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,801,224,000 | 579 |
| Average earning assets | $1,685,641,000 | 569 |
| Average equity | $173,123,500 | 624 |
| Average total loans | $976,379,000 | 691 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 2,315 |
| Cost of funding earning assets | 0.2972% | 4,161 |
| Net interest margin | 3.8423% | 1,384 |
| Noninterest income to average assets | 0.5289% | 2,512 |
| Noninterest expense to average assets | 2.3391% | 3,299 |
| Loan and lease loss provision to assets | 0.2416% | 1,613 |
| Net operating income to assets | 1.5234% | 761 |
| Return on assets (ROA) | 1.6078% | 685 |
| Pretax return on assets | 1.6078% | 1,058 |
| Return on Equity (ROE) | 15.2211% | 600 |
| Retained earnings to average equity (ytd only) | 3.8191% | 2,908 |
| Net charge-offs to loans | 0.0754% | 1,731 |
| Credit loss provision to net charge-offs | 573.0655% | 1,140 |
| Earnings coverage of net charge-offs (x) | 41.8705% | 1,345 |
| Efficiency ratio | 56.4607% | 3,925 |
| Assets per employee ($millions) | 7.1163% | 1,502 |
| Cash dividends to net income (ytd only)* | 74.9093% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 1,698 |
| Loan loss allowance to noncurrent loans | 246.0487% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 2,676 |
| Noncurrent loans to loans | 0.5966% | 2,205 |
| Net loans and leases to total assets | 54.5082% | 3,446 |
| Net loans and leases to deposits | 60.7669% | 3,701 |
| Net loans and leases to core deposits | 62.9680% | 3,770 |
| Total domestic deposits to total assets | 89.7005% | 682 |
| Equity capital to assets | 9.9792% | 3,150 |
| Core capital (leverage) ratio | 9.1343% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,594,161,600 | 583 |
| Average earning assets | $1,483,312,200 | 576 |
| Average equity | $168,391,400 | 608 |
| Average total loans | $890,789,400 | 722 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 2,291 |
| Cost of funding earning assets | 0.3286% | 4,164 |
| Net interest margin | 3.9067% | 1,336 |
| Noninterest income to average assets | 0.5281% | 2,486 |
| Noninterest expense to average assets | 2.3913% | 3,162 |
| Loan and lease loss provision to assets | 0.2435% | 1,670 |
| Net operating income to assets | 1.5238% | 859 |
| Return on assets (ROA) | 1.5791% | 838 |
| Pretax return on assets | 1.5791% | 1,243 |
| Return on Equity (ROE) | 14.7243% | 739 |
| Retained earnings to average equity (ytd only) | 4.2075% | 2,942 |
| Net charge-offs to loans | 0.0020% | 3,130 |
| Credit loss provision to net charge-offs | 21,923.0769% | 65 |
| Earnings coverage of net charge-offs (x) | 1,591.0000% | 73 |
| Efficiency ratio | 56.9644% | 3,794 |
| Assets per employee ($millions) | 7.0699% | 1,451 |
| Cash dividends to net income (ytd only)* | 71.4247% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,557 |
| Loan loss allowance to noncurrent loans | 233.2312% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 2,736 |
| Noncurrent loans to loans | 0.6194% | 2,253 |
| Net loans and leases to total assets | 56.0181% | 3,624 |
| Net loans and leases to deposits | 62.6944% | 3,887 |
| Net loans and leases to core deposits | 65.1422% | 3,947 |
| Total domestic deposits to total assets | 89.3509% | 633 |
| Equity capital to assets | 10.3083% | 2,954 |
| Core capital (leverage) ratio | 9.3311% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,560,385,750 | 581 |
| Average earning assets | $1,450,066,500 | 571 |
| Average equity | $167,347,500 | 605 |
| Average total loans | $874,328,250 | 727 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,294 |
| Cost of funding earning assets | 0.3738% | 4,151 |
| Net interest margin | 3.9925% | 1,344 |
| Noninterest income to average assets | 0.5268% | 2,455 |
| Noninterest expense to average assets | 2.4511% | 3,100 |
| Loan and lease loss provision to assets | 0.2427% | 1,734 |
| Net operating income to assets | 1.5330% | 873 |
| Return on assets (ROA) | 1.6180% | 803 |
| Pretax return on assets | 1.6180% | 1,187 |
| Return on Equity (ROE) | 14.8759% | 729 |
| Retained earnings to average equity (ytd only) | 1.3655% | 3,982 |
| Net charge-offs to loans | -0.0049% | 4,013 |
| Credit loss provision to net charge-offs | -8,809.5238% | 4,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4497% | 3,760 |
| Assets per employee ($millions) | 6.9305% | 1,477 |
| Cash dividends to net income (ytd only)* | 90.8206% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 1,780 |
| Loan loss allowance to noncurrent loans | 195.8474% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 2,728 |
| Noncurrent loans to loans | 0.6889% | 2,151 |
| Net loans and leases to total assets | 55.9770% | 3,688 |
| Net loans and leases to deposits | 63.8056% | 3,897 |
| Net loans and leases to core deposits | 66.6068% | 3,949 |
| Total domestic deposits to total assets | 87.7304% | 1,316 |
| Equity capital to assets | 10.1221% | 3,094 |
| Core capital (leverage) ratio | 9.3358% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,524,347,333 | 582 |
| Average earning assets | $1,412,699,667 | 573 |
| Average equity | $165,798,667 | 605 |
| Average total loans | $849,650,333 | 737 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 2,835 |
| Cost of funding earning assets | 0.4782% | 4,037 |
| Net interest margin | 3.8491% | 1,825 |
| Noninterest income to average assets | 0.6018% | 2,031 |
| Noninterest expense to average assets | 2.5435% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6172% | 604 |
| Return on assets (ROA) | 1.6604% | 606 |
| Pretax return on assets | 1.6604% | 923 |
| Return on Equity (ROE) | 14.6830% | 592 |
| Retained earnings to average equity (ytd only) | -2.8228% | 4,333 |
| Net charge-offs to loans | -0.0239% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5564% | 3,671 |
| Assets per employee ($millions) | 5.9390% | 1,731 |
| Cash dividends to net income (ytd only)* | 119.2250% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 1,915 |
| Loan loss allowance to noncurrent loans | 165.6696% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 2,492 |
| Noncurrent loans to loans | 0.8148% | 1,976 |
| Net loans and leases to total assets | 55.4838% | 3,873 |
| Net loans and leases to deposits | 62.8384% | 4,055 |
| Net loans and leases to core deposits | 65.9796% | 4,084 |
| Total domestic deposits to total assets | 88.2960% | 976 |
| Equity capital to assets | 11.4713% | 2,459 |
| Core capital (leverage) ratio | 10.1224% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,454,862,000 | 581 |
| Average earning assets | $1,345,142,000 | 575 |
| Average equity | $164,517,000 | 605 |
| Average total loans | $802,571,000 | 749 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 4,461 |
| Cost of funding earning assets | 0.3715% | 4,536 |
| Net interest margin | 3.5140% | 3,406 |
| Noninterest income to average assets | 0.5804% | 2,314 |
| Noninterest expense to average assets | 2.2584% | 4,049 |
| Loan and lease loss provision to assets | 0.1338% | 1,589 |
| Net operating income to assets | 1.4525% | 1,177 |
| Return on assets (ROA) | 1.4470% | 1,263 |
| Pretax return on assets | 1.4470% | 1,989 |
| Return on Equity (ROE) | 12.6542% | 1,286 |
| Retained earnings to average equity (ytd only) | 3.8970% | 3,021 |
| Net charge-offs to loans | 0.0462% | 2,464 |
| Credit loss provision to net charge-offs | 504.0431% | 578 |
| Earnings coverage of net charge-offs (x) | 59.7790% | 984 |
| Efficiency ratio | 58.0481% | 3,955 |
| Assets per employee ($millions) | 5.8900% | 1,721 |
| Cash dividends to net income (ytd only)* | 69.2042% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 1,654 |
| Loan loss allowance to noncurrent loans | 181.8684% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 2,609 |
| Noncurrent loans to loans | 0.7496% | 2,012 |
| Net loans and leases to total assets | 53.3747% | 4,123 |
| Net loans and leases to deposits | 60.5313% | 4,264 |
| Net loans and leases to core deposits | 63.6905% | 4,294 |
| Total domestic deposits to total assets | 88.1770% | 1,043 |
| Equity capital to assets | 11.1487% | 2,858 |
| Core capital (leverage) ratio | 10.3775% | 3,097 |
| Tier 1 risk-based capital ratio | 15.3699% | 2,628 |
| Total risk-based capital ratio | 16.5218% | 2,603 |
| Memoranda: | ||
| Average total assets | $1,398,097,200 | 584 |
| Average earning assets | $1,298,760,000 | 574 |
| Average equity | $159,868,200 | 588 |
| Average total loans | $803,484,600 | 712 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 2,650 |
| Cost of funding earning assets | 0.4120% | 4,460 |
| Net interest margin | 4.2098% | 1,359 |
| Noninterest income to average assets | 0.7362% | 1,637 |
| Noninterest expense to average assets | 2.7224% | 2,801 |
| Loan and lease loss provision to assets | 0.1325% | 1,451 |
| Net operating income to assets | 1.7656% | 652 |
| Return on assets (ROA) | 1.7780% | 676 |
| Pretax return on assets | 1.7780% | 1,143 |
| Return on Equity (ROE) | 16.5143% | 536 |
| Retained earnings to average equity (ytd only) | 5.1220% | 2,837 |
| Net charge-offs to loans | 0.0629% | 1,924 |
| Credit loss provision to net charge-offs | 361.2040% | 831 |
| Earnings coverage of net charge-offs (x) | 51.7554% | 1,165 |
| Efficiency ratio | 58.8012% | 3,825 |
| Assets per employee ($millions) | 5.3754% | 2,153 |
| Cash dividends to net income (ytd only)* | 68.9845% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 1,158 |
| Loan loss allowance to noncurrent loans | 99.2129% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.1773% | 1,087 |
| Noncurrent loans to loans | 1.5457% | 964 |
| Net loans and leases to total assets | 59.0442% | 3,767 |
| Net loans and leases to deposits | 67.0437% | 3,994 |
| Net loans and leases to core deposits | 70.9216% | 4,002 |
| Total domestic deposits to total assets | 88.0682% | 1,012 |
| Equity capital to assets | 11.0551% | 3,055 |
| Core capital (leverage) ratio | 10.5469% | 3,063 |
| Tier 1 risk-based capital ratio | 14.5458% | 3,051 |
| Total risk-based capital ratio | 15.7960% | 2,980 |
| Memoranda: | ||
| Average total assets | $1,087,045,500 | 730 |
| Average earning assets | $1,002,993,000 | 724 |
| Average equity | $117,035,000 | 776 |
| Average total loans | $634,025,500 | 873 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 2,722 |
| Cost of funding earning assets | 0.3922% | 4,541 |
| Net interest margin | 4.1931% | 1,384 |
| Noninterest income to average assets | 0.7695% | 1,442 |
| Noninterest expense to average assets | 2.7376% | 2,789 |
| Loan and lease loss provision to assets | 0.1329% | 1,406 |
| Net operating income to assets | 1.7692% | 633 |
| Return on assets (ROA) | 1.7692% | 661 |
| Pretax return on assets | 1.7692% | 1,120 |
| Return on Equity (ROE) | 16.5829% | 513 |
| Retained earnings to average equity (ytd only) | -0.7126% | 4,791 |
| Net charge-offs to loans | 0.0150% | 2,599 |
| Credit loss provision to net charge-offs | 1,531.9149% | 238 |
| Earnings coverage of net charge-offs (x) | 219.3191% | 367 |
| Efficiency ratio | 58.8848% | 3,881 |
| Assets per employee ($millions) | 5.2140% | 2,245 |
| Cash dividends to net income (ytd only)* | 104.2970% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,090 |
| Loan loss allowance to noncurrent loans | 92.6965% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.2830% | 998 |
| Noncurrent loans to loans | 1.6974% | 899 |
| Net loans and leases to total assets | 57.8211% | 3,935 |
| Net loans and leases to deposits | 65.7114% | 4,117 |
| Net loans and leases to core deposits | 68.8863% | 4,161 |
| Total domestic deposits to total assets | 87.9925% | 1,103 |
| Equity capital to assets | 10.7685% | 3,291 |
| Core capital (leverage) ratio | 10.2588% | 3,324 |
| Tier 1 risk-based capital ratio | 14.2946% | 3,164 |
| Total risk-based capital ratio | 15.5451% | 3,088 |
| Memoranda: | ||
| Average total assets | $1,083,863,670 | 731 |
| Average earning assets | $1,000,408,670 | 722 |
| Average equity | $115,637,000 | 779 |
| Average total loans | $626,181,670 | 880 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 3,031 |
| Cost of funding earning assets | 0.3740% | 4,593 |
| Net interest margin | 4.0817% | 1,604 |
| Noninterest income to average assets | 0.7767% | 1,342 |
| Noninterest expense to average assets | 2.7422% | 2,769 |
| Loan and lease loss provision to assets | 0.1326% | 1,309 |
| Net operating income to assets | 1.6723% | 772 |
| Return on assets (ROA) | 1.6723% | 803 |
| Pretax return on assets | 1.6723% | 1,278 |
| Return on Equity (ROE) | 15.7477% | 627 |
| Retained earnings to average equity (ytd only) | 1.8761% | 4,097 |
| Net charge-offs to loans | 0.0206% | 2,042 |
| Credit loss provision to net charge-offs | 1,125.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 153.1563% | 499 |
| Efficiency ratio | 60.1847% | 3,779 |
| Assets per employee ($millions) | 5.2776% | 2,195 |
| Cash dividends to net income (ytd only)* | 88.0863% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,258 |
| Loan loss allowance to noncurrent loans | 90.2709% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 1,048 |
| Noncurrent loans to loans | 1.6897% | 917 |
| Net loans and leases to total assets | 57.4717% | 3,945 |
| Net loans and leases to deposits | 64.5383% | 4,151 |
| Net loans and leases to core deposits | 67.7338% | 4,196 |
| Total domestic deposits to total assets | 89.0505% | 833 |
| Equity capital to assets | 10.7128% | 3,149 |
| Core capital (leverage) ratio | 10.2734% | 3,304 |
| Tier 1 risk-based capital ratio | 14.4882% | 3,105 |
| Total risk-based capital ratio | 15.7382% | 3,032 |
| Memoranda: | ||
| Average total assets | $1,086,149,500 | 734 |
| Average earning assets | $1,003,312,000 | 725 |
| Average equity | $115,343,500 | 772 |
| Average total loans | $622,255,000 | 894 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 2,779 |
| Cost of funding earning assets | 0.2740% | 4,686 |
| Net interest margin | 4.1209% | 1,613 |
| Noninterest income to average assets | 0.7025% | 1,847 |
| Noninterest expense to average assets | 2.6675% | 3,132 |
| Loan and lease loss provision to assets | 0.1866% | 1,034 |
| Net operating income to assets | 1.6593% | 758 |
| Return on assets (ROA) | 1.6583% | 755 |
| Pretax return on assets | 1.6583% | 1,285 |
| Return on Equity (ROE) | 15.8523% | 661 |
| Retained earnings to average equity (ytd only) | 4.5739% | 3,010 |
| Net charge-offs to loans | 0.2451% | 792 |
| Credit loss provision to net charge-offs | 137.4401% | 1,952 |
| Earnings coverage of net charge-offs (x) | 13.5982% | 2,443 |
| Efficiency ratio | 58.6582% | 4,055 |
| Assets per employee ($millions) | 5.2676% | 2,182 |
| Cash dividends to net income (ytd only)* | 71.1468% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,238 |
| Loan loss allowance to noncurrent loans | 145.3367% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 1,692 |
| Noncurrent loans to loans | 1.0441% | 1,567 |
| Net loans and leases to total assets | 55.3733% | 4,172 |
| Net loans and leases to deposits | 62.4461% | 4,353 |
| Net loans and leases to core deposits | 65.6747% | 4,376 |
| Total domestic deposits to total assets | 88.6738% | 990 |
| Equity capital to assets | 10.5269% | 3,154 |
| Core capital (leverage) ratio | 10.1392% | 3,412 |
| Tier 1 risk-based capital ratio | 14.7160% | 2,959 |
| Total risk-based capital ratio | 15.9528% | 2,893 |
| Memoranda: | ||
| Average total assets | $1,076,316,400 | 712 |
| Average earning assets | $995,331,800 | 708 |
| Average equity | $112,595,600 | 759 |
| Average total loans | $596,030,000 | 903 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 2,817 |
| Cost of funding earning assets | 0.2356% | 4,866 |
| Net interest margin | 4.1047% | 1,612 |
| Noninterest income to average assets | 0.7003% | 1,861 |
| Noninterest expense to average assets | 2.6813% | 3,027 |
| Loan and lease loss provision to assets | 0.1961% | 897 |
| Net operating income to assets | 1.6194% | 932 |
| Return on assets (ROA) | 1.6182% | 935 |
| Pretax return on assets | 1.6182% | 1,522 |
| Return on Equity (ROE) | 15.4929% | 783 |
| Retained earnings to average equity (ytd only) | 5.1405% | 3,166 |
| Net charge-offs to loans | 0.3353% | 495 |
| Credit loss provision to net charge-offs | 106.0484% | 2,176 |
| Earnings coverage of net charge-offs (x) | 9.8172% | 2,625 |
| Efficiency ratio | 59.3057% | 3,919 |
| Assets per employee ($millions) | 5.2390% | 2,182 |
| Cash dividends to net income (ytd only)* | 66.8203% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,547 |
| Loan loss allowance to noncurrent loans | 3,325.5639% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 3,651 |
| Noncurrent loans to loans | 0.0434% | 4,707 |
| Net loans and leases to total assets | 56.0197% | 4,218 |
| Net loans and leases to deposits | 63.8733% | 4,335 |
| Net loans and leases to core deposits | 67.5037% | 4,321 |
| Total domestic deposits to total assets | 87.7045% | 1,393 |
| Equity capital to assets | 10.4990% | 3,144 |
| Core capital (leverage) ratio | 10.2488% | 3,348 |
| Tier 1 risk-based capital ratio | 14.7446% | 2,995 |
| Total risk-based capital ratio | 15.9322% | 2,954 |
| Memoranda: | ||
| Average total assets | $1,072,798,250 | 713 |
| Average earning assets | $992,243,250 | 711 |
| Average equity | $112,048,500 | 759 |
| Average total loans | $591,765,750 | 905 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,998 |
| Cost of funding earning assets | 0.2031% | 5,014 |
| Net interest margin | 4.0309% | 1,757 |
| Noninterest income to average assets | 0.6938% | 1,891 |
| Noninterest expense to average assets | 2.6507% | 3,160 |
| Loan and lease loss provision to assets | 0.2163% | 764 |
| Net operating income to assets | 1.5534% | 1,028 |
| Return on assets (ROA) | 1.5516% | 1,039 |
| Pretax return on assets | 1.5516% | 1,655 |
| Return on Equity (ROE) | 14.8815% | 877 |
| Retained earnings to average equity (ytd only) | 4.6691% | 3,254 |
| Net charge-offs to loans | 0.4975% | 308 |
| Credit loss provision to net charge-offs | 79.6424% | 2,260 |
| Earnings coverage of net charge-offs (x) | 6.5158% | 2,616 |
| Efficiency ratio | 59.6349% | 3,987 |
| Assets per employee ($millions) | 5.2988% | 2,107 |
| Cash dividends to net income (ytd only)* | 68.6251% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,758 |
| Loan loss allowance to noncurrent loans | 3,010.6762% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 3,982 |
| Noncurrent loans to loans | 0.0464% | 4,712 |
| Net loans and leases to total assets | 55.2349% | 4,224 |
| Net loans and leases to deposits | 62.9758% | 4,356 |
| Net loans and leases to core deposits | 66.8656% | 4,321 |
| Total domestic deposits to total assets | 87.7081% | 1,535 |
| Equity capital to assets | 10.3526% | 3,278 |
| Core capital (leverage) ratio | 10.1975% | 3,360 |
| Tier 1 risk-based capital ratio | 14.7978% | 2,967 |
| Total risk-based capital ratio | 15.9559% | 2,945 |
| Memoranda: | ||
| Average total assets | $1,070,652,330 | 713 |
| Average earning assets | $989,845,000 | 715 |
| Average equity | $111,628,330 | 762 |
| Average total loans | $584,544,000 | 916 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 3,113 |
| Cost of funding earning assets | 0.1925% | 5,060 |
| Net interest margin | 3.9407% | 1,897 |
| Noninterest income to average assets | 0.6960% | 1,846 |
| Noninterest expense to average assets | 2.6572% | 3,168 |
| Loan and lease loss provision to assets | 0.1457% | 1,279 |
| Net operating income to assets | 1.5441% | 969 |
| Return on assets (ROA) | 1.5441% | 978 |
| Pretax return on assets | 1.5441% | 1,550 |
| Return on Equity (ROE) | 14.7567% | 843 |
| Retained earnings to average equity (ytd only) | 3.9932% | 3,595 |
| Net charge-offs to loans | 0.3191% | 478 |
| Credit loss provision to net charge-offs | 84.7162% | 1,700 |
| Earnings coverage of net charge-offs (x) | 9.8275% | 1,941 |
| Efficiency ratio | 60.7911% | 3,969 |
| Assets per employee ($millions) | 5.3177% | 2,126 |
| Cash dividends to net income (ytd only)* | 72.9395% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 1,475 |
| Loan loss allowance to noncurrent loans | 454.2887% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 3,456 |
| Noncurrent loans to loans | 0.3298% | 3,586 |
| Net loans and leases to total assets | 53.6945% | 4,313 |
| Net loans and leases to deposits | 60.1245% | 4,465 |
| Net loans and leases to core deposits | 63.8225% | 4,433 |
| Total domestic deposits to total assets | 89.3054% | 958 |
| Equity capital to assets | 10.4799% | 3,096 |
| Core capital (leverage) ratio | 10.1417% | 3,370 |
| Tier 1 risk-based capital ratio | 15.0320% | 2,852 |
| Total risk-based capital ratio | 16.2492% | 2,792 |
| Memoranda: | ||
| Average total assets | $1,065,496,000 | 719 |
| Average earning assets | $987,137,500 | 718 |
| Average equity | $111,488,500 | 765 |
| Average total loans | $574,051,000 | 932 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 2,963 |
| Cost of funding earning assets | 0.1791% | 5,097 |
| Net interest margin | 3.9485% | 1,922 |
| Noninterest income to average assets | 0.7057% | 1,938 |
| Noninterest expense to average assets | 2.7462% | 2,974 |
| Loan and lease loss provision to assets | 0.0946% | 2,311 |
| Net operating income to assets | 1.5172% | 770 |
| Return on assets (ROA) | 1.5210% | 776 |
| Pretax return on assets | 1.5210% | 1,557 |
| Return on Equity (ROE) | 14.3138% | 714 |
| Retained earnings to average equity (ytd only) | 6.2853% | 1,390 |
| Net charge-offs to loans | 0.1423% | 1,649 |
| Credit loss provision to net charge-offs | 126.1438% | 2,086 |
| Earnings coverage of net charge-offs (x) | 21.4863% | 1,904 |
| Efficiency ratio | 62.5340% | 3,856 |
| Assets per employee ($millions) | 5.1568% | 2,310 |
| Cash dividends to net income (ytd only)* | 56.0892% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 1,295 |
| Loan loss allowance to noncurrent loans | 1,827.9749% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,945 |
| Noncurrent loans to loans | 0.0843% | 4,627 |
| Net loans and leases to total assets | 52.4237% | 4,489 |
| Net loans and leases to deposits | 58.7275% | 4,657 |
| Net loans and leases to core deposits | 62.3678% | 4,638 |
| Total domestic deposits to total assets | 89.2660% | 884 |
| Equity capital to assets | 10.4472% | 3,217 |
| Core capital (leverage) ratio | 10.2158% | 3,172 |
| Tier 1 risk-based capital ratio | 15.0560% | 2,827 |
| Total risk-based capital ratio | 16.2972% | 2,758 |
| Memoranda: | ||
| Average total assets | $1,019,795,000 | 726 |
| Average earning assets | $943,306,600 | 716 |
| Average equity | $108,364,200 | 755 |
| Average total loans | $537,657,600 | 950 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 2,941 |
| Cost of funding earning assets | 0.1751% | 5,163 |
| Net interest margin | 3.9391% | 1,899 |
| Noninterest income to average assets | 0.6998% | 2,001 |
| Noninterest expense to average assets | 2.8147% | 2,678 |
| Loan and lease loss provision to assets | 0.0774% | 2,529 |
| Net operating income to assets | 1.4507% | 992 |
| Return on assets (ROA) | 1.4571% | 995 |
| Pretax return on assets | 1.4571% | 1,920 |
| Return on Equity (ROE) | 13.6521% | 902 |
| Retained earnings to average equity (ytd only) | 6.5875% | 1,918 |
| Net charge-offs to loans | 0.0081% | 3,438 |
| Credit loss provision to net charge-offs | 1,828.1250% | 215 |
| Earnings coverage of net charge-offs (x) | 360.9316% | 258 |
| Efficiency ratio | 64.3841% | 3,470 |
| Assets per employee ($millions) | 4.8540% | 2,624 |
| Cash dividends to net income (ytd only)* | 51.7476% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 1,138 |
| Loan loss allowance to noncurrent loans | 180.8777% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 2,609 |
| Noncurrent loans to loans | 0.9118% | 2,103 |
| Net loans and leases to total assets | 53.5450% | 4,451 |
| Net loans and leases to deposits | 60.3384% | 4,624 |
| Net loans and leases to core deposits | 64.2506% | 4,594 |
| Total domestic deposits to total assets | 88.7412% | 997 |
| Equity capital to assets | 10.8978% | 2,959 |
| Core capital (leverage) ratio | 10.4621% | 3,030 |
| Tier 1 risk-based capital ratio | 15.1509% | 2,861 |
| Total risk-based capital ratio | 16.4017% | 2,789 |
| Memoranda: | ||
| Average total assets | $1,007,880,750 | 732 |
| Average earning assets | $932,105,500 | 730 |
| Average equity | $107,575,500 | 764 |
| Average total loans | $529,983,500 | 968 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 2,868 |
| Cost of funding earning assets | 0.1712% | 5,201 |
| Net interest margin | 3.9162% | 1,872 |
| Noninterest income to average assets | 0.7283% | 1,870 |
| Noninterest expense to average assets | 2.8363% | 2,632 |
| Loan and lease loss provision to assets | 0.0776% | 2,429 |
| Net operating income to assets | 1.4364% | 987 |
| Return on assets (ROA) | 1.4472% | 985 |
| Pretax return on assets | 1.4472% | 1,834 |
| Return on Equity (ROE) | 13.6553% | 881 |
| Retained earnings to average equity (ytd only) | 6.7122% | 1,737 |
| Net charge-offs to loans | 0.0027% | 3,407 |
| Credit loss provision to net charge-offs | 5,571.4286% | 81 |
| Earnings coverage of net charge-offs (x) | 1,087.5714% | 62 |
| Efficiency ratio | 64.7680% | 3,544 |
| Assets per employee ($millions) | 4.8410% | 2,594 |
| Cash dividends to net income (ytd only)* | 50.8451% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 1,123 |
| Loan loss allowance to noncurrent loans | 367.7088% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 3,373 |
| Noncurrent loans to loans | 0.4521% | 3,394 |
| Net loans and leases to total assets | 52.2634% | 4,548 |
| Net loans and leases to deposits | 58.7599% | 4,715 |
| Net loans and leases to core deposits | 63.2521% | 4,652 |
| Total domestic deposits to total assets | 88.9440% | 986 |
| Equity capital to assets | 10.7519% | 3,076 |
| Core capital (leverage) ratio | 10.2127% | 3,256 |
| Tier 1 risk-based capital ratio | 15.0506% | 2,900 |
| Total risk-based capital ratio | 16.3013% | 2,841 |
| Memoranda: | ||
| Average total assets | $1,005,678,670 | 738 |
| Average earning assets | $930,136,000 | 734 |
| Average equity | $106,581,670 | 772 |
| Average total loans | $522,539,330 | 981 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 2,765 |
| Cost of funding earning assets | 0.1640% | 5,278 |
| Net interest margin | 3.9068% | 1,751 |
| Noninterest income to average assets | 0.7524% | 1,738 |
| Noninterest expense to average assets | 2.8800% | 2,519 |
| Loan and lease loss provision to assets | 0.0778% | 2,257 |
| Net operating income to assets | 1.4059% | 987 |
| Return on assets (ROA) | 1.4059% | 1,018 |
| Pretax return on assets | 1.4059% | 1,871 |
| Return on Equity (ROE) | 13.3637% | 931 |
| Retained earnings to average equity (ytd only) | 5.7793% | 2,451 |
| Net charge-offs to loans | 0.0171% | 2,447 |
| Credit loss provision to net charge-offs | 886.3636% | 361 |
| Earnings coverage of net charge-offs (x) | 169.0455% | 323 |
| Efficiency ratio | 65.5696% | 3,565 |
| Assets per employee ($millions) | 4.8459% | 2,634 |
| Cash dividends to net income (ytd only)* | 56.7537% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6853% | 1,175 |
| Loan loss allowance to noncurrent loans | 371.1310% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 3,257 |
| Noncurrent loans to loans | 0.4541% | 3,469 |
| Net loans and leases to total assets | 50.0379% | 4,667 |
| Net loans and leases to deposits | 56.0048% | 4,814 |
| Net loans and leases to core deposits | 59.9715% | 4,782 |
| Total domestic deposits to total assets | 89.3456% | 978 |
| Equity capital to assets | 10.4490% | 3,239 |
| Core capital (leverage) ratio | 10.1644% | 3,297 |
| Tier 1 risk-based capital ratio | 15.2718% | 2,845 |
| Total risk-based capital ratio | 16.5226% | 2,777 |
| Memoranda: | ||
| Average total assets | $1,002,632,000 | 745 |
| Average earning assets | $926,792,500 | 741 |
| Average equity | $105,480,000 | 778 |
| Average total loans | $514,946,500 | 993 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 3,095 |
| Cost of funding earning assets | 0.1708% | 5,282 |
| Net interest margin | 3.8583% | 2,106 |
| Noninterest income to average assets | 0.8576% | 1,545 |
| Noninterest expense to average assets | 2.9110% | 2,636 |
| Loan and lease loss provision to assets | 0.0610% | 3,151 |
| Net operating income to assets | 1.4455% | 927 |
| Return on assets (ROA) | 1.4463% | 949 |
| Pretax return on assets | 1.4463% | 1,760 |
| Return on Equity (ROE) | 14.2589% | 736 |
| Retained earnings to average equity (ytd only) | 12.2294% | 206 |
| Net charge-offs to loans | 0.1291% | 1,950 |
| Credit loss provision to net charge-offs | 96.1102% | 2,678 |
| Earnings coverage of net charge-offs (x) | 23.7229% | 1,664 |
| Efficiency ratio | 65.4310% | 3,690 |
| Assets per employee ($millions) | 4.6151% | 2,936 |
| Cash dividends to net income (ytd only)* | 14.2328% | 3,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 1,196 |
| Loan loss allowance to noncurrent loans | 380.4357% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 3,000 |
| Noncurrent loans to loans | 0.4393% | 3,571 |
| Net loans and leases to total assets | 50.9711% | 4,691 |
| Net loans and leases to deposits | 57.2115% | 4,846 |
| Net loans and leases to core deposits | 61.2949% | 4,792 |
| Total domestic deposits to total assets | 89.0924% | 1,070 |
| Equity capital to assets | 10.5938% | 3,049 |
| Core capital (leverage) ratio | 10.2090% | 3,213 |
| Tier 1 risk-based capital ratio | 15.3467% | 2,823 |
| Total risk-based capital ratio | 16.5975% | 2,746 |
| Memoranda: | ||
| Average total assets | $971,599,800 | 742 |
| Average earning assets | $896,452,000 | 735 |
| Average equity | $98,549,200 | 800 |
| Average total loans | $478,088,000 | 1,016 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,138 |
| Cost of funding earning assets | 0.1743% | 5,311 |
| Net interest margin | 3.8478% | 2,165 |
| Noninterest income to average assets | 0.7858% | 1,822 |
| Noninterest expense to average assets | 2.9729% | 2,390 |
| Loan and lease loss provision to assets | 0.0069% | 4,089 |
| Net operating income to assets | 1.3565% | 1,155 |
| Return on assets (ROA) | 1.3565% | 1,232 |
| Pretax return on assets | 1.3565% | 2,209 |
| Return on Equity (ROE) | 13.5268% | 915 |
| Retained earnings to average equity (ytd only) | 13.5268% | 195 |
| Net charge-offs to loans | 0.0744% | 2,259 |
| Credit loss provision to net charge-offs | 19.0840% | 3,305 |
| Earnings coverage of net charge-offs (x) | 37.7639% | 1,283 |
| Efficiency ratio | 68.0575% | 3,216 |
| Assets per employee ($millions) | 4.6167% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 1,181 |
| Loan loss allowance to noncurrent loans | 224.8858% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 2,929 |
| Noncurrent loans to loans | 0.7633% | 2,765 |
| Net loans and leases to total assets | 49.4197% | 4,863 |
| Net loans and leases to deposits | 55.8170% | 5,007 |
| Net loans and leases to core deposits | 60.0636% | 4,930 |
| Total domestic deposits to total assets | 88.5388% | 1,140 |
| Equity capital to assets | 10.5484% | 3,511 |
| Core capital (leverage) ratio | 9.9225% | 3,668 |
| Tier 1 risk-based capital ratio | 15.4640% | 2,845 |
| Total risk-based capital ratio | 16.7151% | 2,777 |
| Memoranda: | ||
| Average total assets | $967,593,500 | 748 |
| Average earning assets | $892,813,500 | 738 |
| Average equity | $97,029,750 | 818 |
| Average total loans | $469,620,250 | 1,028 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 3,048 |
| Cost of funding earning assets | 0.1784% | 5,338 |
| Net interest margin | 3.8753% | 2,062 |
| Noninterest income to average assets | 0.7920% | 1,748 |
| Noninterest expense to average assets | 2.9660% | 2,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4030% | 1,053 |
| Return on assets (ROA) | 1.4030% | 1,112 |
| Pretax return on assets | 1.4030% | 2,014 |
| Return on Equity (ROE) | 14.2375% | 795 |
| Retained earnings to average equity (ytd only) | 14.2375% | 173 |
| Net charge-offs to loans | 0.0242% | 3,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 121.1250% | 485 |
| Efficiency ratio | 67.3437% | 3,475 |
| Assets per employee ($millions) | 4.4693% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 981 |
| Loan loss allowance to noncurrent loans | 202.0384% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 2,925 |
| Noncurrent loans to loans | 0.9165% | 2,443 |
| Net loans and leases to total assets | 46.3740% | 5,106 |
| Net loans and leases to deposits | 51.7523% | 5,255 |
| Net loans and leases to core deposits | 56.5338% | 5,142 |
| Total domestic deposits to total assets | 89.6077% | 633 |
| Equity capital to assets | 10.1487% | 4,029 |
| Core capital (leverage) ratio | 9.5304% | 4,165 |
| Tier 1 risk-based capital ratio | 15.4412% | 2,883 |
| Total risk-based capital ratio | 16.6934% | 2,816 |
| Memoranda: | ||
| Average total assets | $966,955,330 | 752 |
| Average earning assets | $892,526,330 | 742 |
| Average equity | $95,283,670 | 834 |
| Average total loans | $463,661,670 | 1,038 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 2,461 |
| Cost of funding earning assets | 0.1806% | 5,369 |
| Net interest margin | 4.0218% | 1,551 |
| Noninterest income to average assets | 0.7915% | 1,653 |
| Noninterest expense to average assets | 2.9665% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5327% | 803 |
| Return on assets (ROA) | 1.5327% | 846 |
| Pretax return on assets | 1.5327% | 1,497 |
| Return on Equity (ROE) | 15.7928% | 559 |
| Retained earnings to average equity (ytd only) | 15.7928% | 200 |
| Net charge-offs to loans | -0.0026% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2884% | 3,925 |
| Assets per employee ($millions) | 4.7202% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 1,083 |
| Loan loss allowance to noncurrent loans | 327.2207% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 3,756 |
| Noncurrent loans to loans | 0.5612% | 3,505 |
| Net loans and leases to total assets | 46.9545% | 5,053 |
| Net loans and leases to deposits | 52.1379% | 5,222 |
| Net loans and leases to core deposits | 57.4344% | 5,076 |
| Total domestic deposits to total assets | 90.0583% | 580 |
| Equity capital to assets | 9.7889% | 4,358 |
| Core capital (leverage) ratio | 9.4049% | 4,342 |
| Tier 1 risk-based capital ratio | 14.8501% | 3,221 |
| Total risk-based capital ratio | 16.1021% | 3,163 |
| Memoranda: | ||
| Average total assets | $963,278,000 | 752 |
| Average earning assets | $888,052,500 | 746 |
| Average equity | $93,485,500 | 847 |
| Average total loans | $465,317,000 | 1,035 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0286% | 3,206 |
| Cost of funding earning assets | 0.1909% | 5,359 |
| Net interest margin | 3.8377% | 2,245 |
| Noninterest income to average assets | 0.8366% | 1,652 |
| Noninterest expense to average assets | 3.0052% | 2,526 |
| Loan and lease loss provision to assets | 0.0790% | 2,703 |
| Net operating income to assets | 1.2842% | 1,305 |
| Return on assets (ROA) | 1.2842% | 1,349 |
| Pretax return on assets | 1.2842% | 2,338 |
| Return on Equity (ROE) | 13.6369% | 922 |
| Retained earnings to average equity (ytd only) | 7.9860% | 923 |
| Net charge-offs to loans | 0.0309% | 3,602 |
| Credit loss provision to net charge-offs | 534.7826% | 613 |
| Earnings coverage of net charge-offs (x) | 92.3116% | 622 |
| Efficiency ratio | 67.9984% | 3,578 |
| Assets per employee ($millions) | 4.2012% | 3,564 |
| Cash dividends to net income (ytd only)* | 41.4382% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8521% | 1,049 |
| Loan loss allowance to noncurrent loans | 288.5003% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 3,590 |
| Noncurrent loans to loans | 0.6420% | 3,261 |
| Net loans and leases to total assets | 47.8883% | 5,020 |
| Net loans and leases to deposits | 53.1217% | 5,211 |
| Net loans and leases to core deposits | 57.1030% | 5,151 |
| Total domestic deposits to total assets | 90.1483% | 571 |
| Equity capital to assets | 9.6185% | 4,413 |
| Core capital (leverage) ratio | 9.1417% | 4,701 |
| Tier 1 risk-based capital ratio | 14.3529% | 3,522 |
| Total risk-based capital ratio | 15.6052% | 3,433 |
| Memoranda: | ||
| Average total assets | $934,498,400 | 737 |
| Average earning assets | $860,027,400 | 736 |
| Average equity | $88,004,000 | 866 |
| Average total loans | $446,810,000 | 1,031 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 3,366 |
| Cost of funding earning assets | 0.1931% | 5,439 |
| Net interest margin | 3.8015% | 2,375 |
| Noninterest income to average assets | 0.8324% | 1,684 |
| Noninterest expense to average assets | 2.8418% | 3,033 |
| Loan and lease loss provision to assets | 0.0781% | 2,618 |
| Net operating income to assets | 1.4119% | 1,084 |
| Return on assets (ROA) | 1.4119% | 1,128 |
| Pretax return on assets | 1.4154% | 1,949 |
| Return on Equity (ROE) | 15.0745% | 716 |
| Retained earnings to average equity (ytd only) | 7.4684% | 1,467 |
| Net charge-offs to loans | 0.0488% | 2,917 |
| Credit loss provision to net charge-offs | 336.4198% | 870 |
| Earnings coverage of net charge-offs (x) | 64.3594% | 869 |
| Efficiency ratio | 65.5498% | 3,968 |
| Assets per employee ($millions) | 4.3191% | 3,291 |
| Cash dividends to net income (ytd only)* | 50.4566% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 1,178 |
| Loan loss allowance to noncurrent loans | 166.3286% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 3,065 |
| Noncurrent loans to loans | 1.1115% | 2,277 |
| Net loans and leases to total assets | 46.9400% | 5,155 |
| Net loans and leases to deposits | 52.0984% | 5,366 |
| Net loans and leases to core deposits | 57.5004% | 5,221 |
| Total domestic deposits to total assets | 90.0988% | 534 |
| Equity capital to assets | 9.5065% | 4,743 |
| Core capital (leverage) ratio | 8.9507% | 5,054 |
| Tier 1 risk-based capital ratio | 14.1233% | 3,785 |
| Total risk-based capital ratio | 15.3753% | 3,714 |
| Memoranda: | ||
| Average total assets | $930,755,500 | 745 |
| Average earning assets | $857,646,000 | 745 |
| Average equity | $87,173,750 | 881 |
| Average total loans | $442,696,250 | 1,040 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,294 |
| Cost of funding earning assets | 0.1942% | 5,495 |
| Net interest margin | 3.8047% | 2,290 |
| Noninterest income to average assets | 0.8381% | 1,641 |
| Noninterest expense to average assets | 2.8499% | 3,065 |
| Loan and lease loss provision to assets | 0.0683% | 2,749 |
| Net operating income to assets | 1.4305% | 1,035 |
| Return on assets (ROA) | 1.4305% | 1,071 |
| Pretax return on assets | 1.4339% | 1,853 |
| Return on Equity (ROE) | 15.3516% | 685 |
| Retained earnings to average equity (ytd only) | 7.1205% | 1,649 |
| Net charge-offs to loans | 0.0269% | 3,141 |
| Credit loss provision to net charge-offs | 535.5932% | 599 |
| Earnings coverage of net charge-offs (x) | 117.8475% | 533 |
| Efficiency ratio | 65.4835% | 4,101 |
| Assets per employee ($millions) | 4.0158% | 3,851 |
| Cash dividends to net income (ytd only)* | 53.6173% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8390% | 1,292 |
| Loan loss allowance to noncurrent loans | 169.4159% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 3,287 |
| Noncurrent loans to loans | 1.0855% | 2,480 |
| Net loans and leases to total assets | 47.3949% | 5,156 |
| Net loans and leases to deposits | 52.5232% | 5,349 |
| Net loans and leases to core deposits | 57.8647% | 5,208 |
| Total domestic deposits to total assets | 90.2361% | 562 |
| Equity capital to assets | 9.4364% | 4,727 |
| Core capital (leverage) ratio | 8.7981% | 5,226 |
| Tier 1 risk-based capital ratio | 14.1611% | 3,837 |
| Total risk-based capital ratio | 15.4132% | 3,764 |
| Memoranda: | ||
| Average total assets | $925,712,000 | 756 |
| Average earning assets | $855,002,330 | 753 |
| Average equity | $86,258,000 | 892 |
| Average total loans | $439,474,330 | 1,049 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9725% | 3,330 |
| Cost of funding earning assets | 0.1957% | 5,551 |
| Net interest margin | 3.7768% | 2,316 |
| Noninterest income to average assets | 0.8469% | 1,564 |
| Noninterest expense to average assets | 2.8172% | 3,187 |
| Loan and lease loss provision to assets | 0.0683% | 2,576 |
| Net operating income to assets | 1.4473% | 946 |
| Return on assets (ROA) | 1.4473% | 1,006 |
| Pretax return on assets | 1.4517% | 1,720 |
| Return on Equity (ROE) | 15.6322% | 612 |
| Retained earnings to average equity (ytd only) | 5.5829% | 2,733 |
| Net charge-offs to loans | -0.0046% | 4,474 |
| Credit loss provision to net charge-offs | -3,160.0000% | 5,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9546% | 4,326 |
| Assets per employee ($millions) | 4.3423% | 3,301 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8627% | 1,363 |
| Loan loss allowance to noncurrent loans | 155.8469% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 3,180 |
| Noncurrent loans to loans | 1.1952% | 2,384 |
| Net loans and leases to total assets | 45.9526% | 5,203 |
| Net loans and leases to deposits | 50.7689% | 5,407 |
| Net loans and leases to core deposits | 55.8655% | 5,257 |
| Total domestic deposits to total assets | 90.5133% | 524 |
| Equity capital to assets | 9.2204% | 5,060 |
| Core capital (leverage) ratio | 8.6868% | 5,337 |
| Tier 1 risk-based capital ratio | 13.7575% | 4,182 |
| Total risk-based capital ratio | 15.0094% | 4,093 |
| Memoranda: | ||
| Average total assets | $924,738,500 | 756 |
| Average earning assets | $854,583,500 | 755 |
| Average equity | $85,618,000 | 899 |
| Average total loans | $435,261,500 | 1,057 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 3,086 |
| Cost of funding earning assets | 0.2061% | 5,693 |
| Net interest margin | 3.9535% | 2,037 |
| Noninterest income to average assets | 0.8314% | 1,747 |
| Noninterest expense to average assets | 3.1618% | 2,325 |
| Loan and lease loss provision to assets | 0.0803% | 2,876 |
| Net operating income to assets | 1.2248% | 1,514 |
| Return on assets (ROA) | 1.2248% | 1,566 |
| Pretax return on assets | 1.2366% | 2,501 |
| Return on Equity (ROE) | 12.8650% | 1,169 |
| Retained earnings to average equity (ytd only) | 6.1573% | 1,830 |
| Net charge-offs to loans | 0.0293% | 4,237 |
| Credit loss provision to net charge-offs | 580.3279% | 461 |
| Earnings coverage of net charge-offs (x) | 95.1639% | 550 |
| Efficiency ratio | 70.5964% | 3,445 |
| Assets per employee ($millions) | 4.3208% | 3,326 |
| Cash dividends to net income (ytd only)* | 52.1393% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 1,447 |
| Loan loss allowance to noncurrent loans | 181.4461% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 3,238 |
| Noncurrent loans to loans | 1.0149% | 2,796 |
| Net loans and leases to total assets | 46.4386% | 5,292 |
| Net loans and leases to deposits | 51.4736% | 5,516 |
| Net loans and leases to core deposits | 56.1645% | 5,371 |
| Total domestic deposits to total assets | 90.2184% | 642 |
| Equity capital to assets | 9.3451% | 4,918 |
| Core capital (leverage) ratio | 8.6919% | 5,353 |
| Tier 1 risk-based capital ratio | 14.0246% | 4,071 |
| Total risk-based capital ratio | 15.2770% | 3,997 |
| Memoranda: | ||
| Average total assets | $881,617,400 | 755 |
| Average earning assets | $813,338,800 | 750 |
| Average equity | $83,933,400 | 881 |
| Average total loans | $416,138,000 | 1,056 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 2,987 |
| Cost of funding earning assets | 0.2100% | 5,754 |
| Net interest margin | 3.9906% | 1,912 |
| Noninterest income to average assets | 0.8974% | 1,529 |
| Noninterest expense to average assets | 3.0319% | 2,702 |
| Loan and lease loss provision to assets | 0.0727% | 2,889 |
| Net operating income to assets | 1.4591% | 1,009 |
| Return on assets (ROA) | 1.4591% | 1,048 |
| Pretax return on assets | 1.4735% | 1,731 |
| Return on Equity (ROE) | 15.2525% | 781 |
| Retained earnings to average equity (ytd only) | 8.4516% | 1,168 |
| Net charge-offs to loans | 0.0052% | 4,517 |
| Credit loss provision to net charge-offs | 2,975.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 632.8331% | 123 |
| Efficiency ratio | 66.2263% | 4,184 |
| Assets per employee ($millions) | 3.9068% | 4,075 |
| Cash dividends to net income (ytd only)* | 44.5887% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 1,654 |
| Loan loss allowance to noncurrent loans | 166.3983% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 3,223 |
| Noncurrent loans to loans | 1.0929% | 2,883 |
| Net loans and leases to total assets | 47.3955% | 5,260 |
| Net loans and leases to deposits | 52.6558% | 5,495 |
| Net loans and leases to core deposits | 57.4400% | 5,367 |
| Total domestic deposits to total assets | 90.0100% | 725 |
| Equity capital to assets | 9.5835% | 4,689 |
| Core capital (leverage) ratio | 8.8129% | 5,319 |
| Tier 1 risk-based capital ratio | 14.0886% | 4,154 |
| Total risk-based capital ratio | 15.3406% | 4,089 |
| Memoranda: | ||
| Average total assets | $873,018,500 | 768 |
| Average earning assets | $805,199,500 | 759 |
| Average equity | $83,516,250 | 884 |
| Average total loans | $411,831,500 | 1,069 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 3,001 |
| Cost of funding earning assets | 0.2141% | 5,796 |
| Net interest margin | 3.9728% | 1,896 |
| Noninterest income to average assets | 0.8884% | 1,531 |
| Noninterest expense to average assets | 3.0409% | 2,686 |
| Loan and lease loss provision to assets | 0.0083% | 4,067 |
| Net operating income to assets | 1.4837% | 900 |
| Return on assets (ROA) | 1.4837% | 932 |
| Pretax return on assets | 1.5006% | 1,535 |
| Return on Equity (ROE) | 15.5192% | 708 |
| Retained earnings to average equity (ytd only) | 8.6548% | 1,093 |
| Net charge-offs to loans | 0.0010% | 4,360 |
| Credit loss provision to net charge-offs | 1,800.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 3,266.0000% | 10 |
| Efficiency ratio | 66.8359% | 4,227 |
| Assets per employee ($millions) | 3.8771% | 4,113 |
| Cash dividends to net income (ytd only)* | 44.2317% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 1,877 |
| Loan loss allowance to noncurrent loans | 122.5136% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 2,965 |
| Noncurrent loans to loans | 1.4571% | 2,370 |
| Net loans and leases to total assets | 45.4350% | 5,422 |
| Net loans and leases to deposits | 50.3077% | 5,616 |
| Net loans and leases to core deposits | 55.0072% | 5,483 |
| Total domestic deposits to total assets | 90.3141% | 653 |
| Equity capital to assets | 9.3370% | 4,938 |
| Core capital (leverage) ratio | 8.6207% | 5,510 |
| Tier 1 risk-based capital ratio | 13.9257% | 4,297 |
| Total risk-based capital ratio | 15.1770% | 4,251 |
| Memoranda: | ||
| Average total assets | $865,802,670 | 772 |
| Average earning assets | $797,928,330 | 768 |
| Average equity | $82,775,000 | 888 |
| Average total loans | $405,147,000 | 1,077 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 3,152 |
| Cost of funding earning assets | 0.2161% | 5,875 |
| Net interest margin | 3.9186% | 2,022 |
| Noninterest income to average assets | 0.9188% | 1,334 |
| Noninterest expense to average assets | 3.0673% | 2,634 |
| Loan and lease loss provision to assets | 0.0090% | 3,706 |
| Net operating income to assets | 1.4394% | 915 |
| Return on assets (ROA) | 1.4394% | 951 |
| Pretax return on assets | 1.4559% | 1,569 |
| Return on Equity (ROE) | 14.8717% | 798 |
| Retained earnings to average equity (ytd only) | 14.8717% | 331 |
| Net charge-offs to loans | -0.0080% | 4,958 |
| Credit loss provision to net charge-offs | -237.5000% | 4,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6786% | 4,228 |
| Assets per employee ($millions) | 3.8071% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8069% | 2,015 |
| Loan loss allowance to noncurrent loans | 131.3684% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 3,047 |
| Noncurrent loans to loans | 1.3755% | 2,728 |
| Net loans and leases to total assets | 45.6590% | 5,364 |
| Net loans and leases to deposits | 50.5366% | 5,554 |
| Net loans and leases to core deposits | 55.3685% | 5,405 |
| Total domestic deposits to total assets | 90.3484% | 891 |
| Equity capital to assets | 9.5037% | 4,496 |
| Core capital (leverage) ratio | 8.9830% | 5,037 |
| Tier 1 risk-based capital ratio | 14.3836% | 4,075 |
| Total risk-based capital ratio | 15.6354% | 4,033 |
| Memoranda: | ||
| Average total assets | $848,956,000 | 799 |
| Average earning assets | $782,821,000 | 792 |
| Average equity | $82,169,500 | 894 |
| Average total loans | $399,663,500 | 1,099 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 4,118 |
| Cost of funding earning assets | 0.2618% | 5,898 |
| Net interest margin | 3.7292% | 2,943 |
| Noninterest income to average assets | 0.8655% | 1,800 |
| Noninterest expense to average assets | 3.1608% | 2,545 |
| Loan and lease loss provision to assets | 0.0411% | 4,297 |
| Net operating income to assets | 0.7786% | 3,397 |
| Return on assets (ROA) | 0.7786% | 3,506 |
| Pretax return on assets | 1.0964% | 2,960 |
| Return on Equity (ROE) | 7.6848% | 3,205 |
| Retained earnings to average equity (ytd only) | 0.0388% | 5,830 |
| Net charge-offs to loans | 0.0338% | 4,764 |
| Credit loss provision to net charge-offs | 267.2000% | 845 |
| Earnings coverage of net charge-offs (x) | 74.0080% | 580 |
| Efficiency ratio | 73.0391% | 3,281 |
| Assets per employee ($millions) | 3.7200% | 4,435 |
| Cash dividends to net income (ytd only)* | 99.4946% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8187% | 2,009 |
| Loan loss allowance to noncurrent loans | 291.4639% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 3,758 |
| Noncurrent loans to loans | 0.6240% | 4,418 |
| Net loans and leases to total assets | 46.8360% | 5,408 |
| Net loans and leases to deposits | 52.1058% | 5,614 |
| Net loans and leases to core deposits | 57.4691% | 5,428 |
| Total domestic deposits to total assets | 89.8863% | 1,137 |
| Equity capital to assets | 9.8688% | 3,939 |
| Core capital (leverage) ratio | 8.9798% | 5,038 |
| Tier 1 risk-based capital ratio | 14.9547% | 3,695 |
| Total risk-based capital ratio | 16.2069% | 3,638 |
| Memoranda: | ||
| Average total assets | $813,300,600 | 815 |
| Average earning assets | $748,663,600 | 809 |
| Average equity | $82,396,800 | 866 |
| Average total loans | $369,931,600 | 1,154 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9511% | 4,311 |
| Cost of funding earning assets | 0.2660% | 5,988 |
| Net interest margin | 3.6851% | 3,083 |
| Noninterest income to average assets | 0.8578% | 1,903 |
| Noninterest expense to average assets | 3.0321% | 2,879 |
| Loan and lease loss provision to assets | 0.0423% | 4,165 |
| Net operating income to assets | 0.7833% | 3,435 |
| Return on assets (ROA) | 0.7833% | 3,562 |
| Pretax return on assets | 1.1738% | 2,802 |
| Return on Equity (ROE) | 7.6817% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.6817% | 1,555 |
| Net charge-offs to loans | 0.0358% | 4,422 |
| Credit loss provision to net charge-offs | 263.2653% | 954 |
| Earnings coverage of net charge-offs (x) | 75.6652% | 625 |
| Efficiency ratio | 71.3740% | 3,538 |
| Assets per employee ($millions) | 3.7869% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8392% | 2,177 |
| Loan loss allowance to noncurrent loans | 203.1548% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 3,841 |
| Noncurrent loans to loans | 0.9053% | 4,009 |
| Net loans and leases to total assets | 45.1707% | 5,616 |
| Net loans and leases to deposits | 50.5604% | 5,797 |
| Net loans and leases to core deposits | 56.1599% | 5,610 |
| Total domestic deposits to total assets | 89.3401% | 1,390 |
| Equity capital to assets | 10.2703% | 3,547 |
| Core capital (leverage) ratio | 9.5899% | 4,265 |
| Tier 1 risk-based capital ratio | 16.1263% | 3,118 |
| Total risk-based capital ratio | 17.3788% | 3,080 |
| Memoranda: | ||
| Average total assets | $812,958,000 | 822 |
| Average earning assets | $747,964,250 | 814 |
| Average equity | $82,896,500 | 862 |
| Average total loans | $365,257,750 | 1,175 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9000% | 4,473 |
| Cost of funding earning assets | 0.2768% | 6,005 |
| Net interest margin | 3.6232% | 3,270 |
| Noninterest income to average assets | 0.8421% | 2,023 |
| Noninterest expense to average assets | 3.0628% | 2,787 |
| Loan and lease loss provision to assets | 0.0557% | 3,887 |
| Net operating income to assets | 0.6885% | 3,862 |
| Return on assets (ROA) | 0.6885% | 4,030 |
| Pretax return on assets | 1.0593% | 3,263 |
| Return on Equity (ROE) | 6.7692% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.7692% | 1,995 |
| Net charge-offs to loans | 0.0517% | 3,947 |
| Credit loss provision to net charge-offs | 241.9355% | 1,041 |
| Earnings coverage of net charge-offs (x) | 48.4086% | 819 |
| Efficiency ratio | 73.3104% | 3,259 |
| Assets per employee ($millions) | 3.7862% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9122% | 2,085 |
| Loan loss allowance to noncurrent loans | 113.2146% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2455% | 3,260 |
| Noncurrent loans to loans | 1.6890% | 2,782 |
| Net loans and leases to total assets | 43.4463% | 5,788 |
| Net loans and leases to deposits | 48.4578% | 5,952 |
| Net loans and leases to core deposits | 53.5459% | 5,788 |
| Total domestic deposits to total assets | 89.6579% | 1,229 |
| Equity capital to assets | 10.0903% | 3,805 |
| Core capital (leverage) ratio | 9.4713% | 4,290 |
| Tier 1 risk-based capital ratio | 16.7226% | 2,831 |
| Total risk-based capital ratio | 17.9760% | 2,799 |
| Memoranda: | ||
| Average total assets | $807,498,670 | 828 |
| Average earning assets | $743,431,000 | 814 |
| Average equity | $82,137,000 | 873 |
| Average total loans | $359,798,330 | 1,183 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 4,470 |
| Cost of funding earning assets | 0.2922% | 6,030 |
| Net interest margin | 3.6088% | 3,222 |
| Noninterest income to average assets | 0.8275% | 2,008 |
| Noninterest expense to average assets | 3.1572% | 2,495 |
| Loan and lease loss provision to assets | 0.0511% | 3,767 |
| Net operating income to assets | 0.6036% | 4,194 |
| Return on assets (ROA) | 0.6036% | 4,352 |
| Pretax return on assets | 0.9542% | 3,547 |
| Return on Equity (ROE) | 5.9095% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.9095% | 2,731 |
| Net charge-offs to loans | 0.0807% | 3,035 |
| Credit loss provision to net charge-offs | 141.6667% | 1,421 |
| Earnings coverage of net charge-offs (x) | 27.8750% | 1,005 |
| Efficiency ratio | 75.8484% | 2,948 |
| Assets per employee ($millions) | 3.5782% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9249% | 2,232 |
| Loan loss allowance to noncurrent loans | 146.9497% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2817% | 3,413 |
| Noncurrent loans to loans | 1.3099% | 3,599 |
| Net loans and leases to total assets | 43.9885% | 5,665 |
| Net loans and leases to deposits | 49.1645% | 5,841 |
| Net loans and leases to core deposits | 54.6127% | 5,632 |
| Total domestic deposits to total assets | 89.4721% | 1,371 |
| Equity capital to assets | 10.2849% | 3,815 |
| Core capital (leverage) ratio | 9.4677% | 4,139 |
| Tier 1 risk-based capital ratio | 16.3723% | 3,077 |
| Total risk-based capital ratio | 17.6255% | 3,023 |
| Memoranda: | ||
| Average total assets | $798,550,000 | 839 |
| Average earning assets | $737,970,500 | 831 |
| Average equity | $81,563,000 | 896 |
| Average total loans | $356,900,000 | 1,194 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2684% | 4,325 |
| Cost of funding earning assets | 0.3516% | 6,200 |
| Net interest margin | 3.9168% | 2,757 |
| Noninterest income to average assets | 0.9631% | 1,651 |
| Noninterest expense to average assets | 3.3191% | 2,279 |
| Loan and lease loss provision to assets | 0.1078% | 4,288 |
| Net operating income to assets | 0.8085% | 3,248 |
| Return on assets (ROA) | 0.8127% | 3,473 |
| Pretax return on assets | 1.1453% | 3,003 |
| Return on Equity (ROE) | 7.4438% | 3,373 |
| Retained earnings to average equity (ytd only) | -1.0151% | 6,016 |
| Net charge-offs to loans | 0.0688% | 4,993 |
| Credit loss provision to net charge-offs | 346.1864% | 707 |
| Earnings coverage of net charge-offs (x) | 40.0593% | 801 |
| Efficiency ratio | 72.2330% | 3,372 |
| Assets per employee ($millions) | 3.8607% | 4,249 |
| Cash dividends to net income (ytd only)* | 113.6364% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9272% | 2,203 |
| Loan loss allowance to noncurrent loans | 98.4498% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.3449% | 3,387 |
| Noncurrent loans to loans | 1.9575% | 2,737 |
| Net loans and leases to total assets | 43.6771% | 5,846 |
| Net loans and leases to deposits | 48.7233% | 6,055 |
| Net loans and leases to core deposits | 54.0846% | 5,865 |
| Total domestic deposits to total assets | 89.6433% | 1,161 |
| Equity capital to assets | 10.1430% | 3,977 |
| Core capital (leverage) ratio | 9.6077% | 3,950 |
| Tier 1 risk-based capital ratio | 16.2700% | 3,014 |
| Total risk-based capital ratio | 17.5232% | 2,972 |
| Memoranda: | ||
| Average total assets | $758,000,000 | 880 |
| Average earning assets | $697,332,000 | 867 |
| Average equity | $82,753,000 | 849 |
| Average total loans | $342,868,200 | 1,230 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 4,129 |
| Cost of funding earning assets | 0.3678% | 6,289 |
| Net interest margin | 4.0135% | 2,456 |
| Noninterest income to average assets | 0.8640% | 1,967 |
| Noninterest expense to average assets | 3.2140% | 2,519 |
| Loan and lease loss provision to assets | 0.0244% | 5,483 |
| Net operating income to assets | 0.8639% | 3,164 |
| Return on assets (ROA) | 0.8691% | 3,379 |
| Pretax return on assets | 1.3212% | 2,522 |
| Return on Equity (ROE) | 7.8129% | 3,362 |
| Retained earnings to average equity (ytd only) | -3.4079% | 6,510 |
| Net charge-offs to loans | 0.0393% | 5,103 |
| Credit loss provision to net charge-offs | 137.0000% | 2,104 |
| Earnings coverage of net charge-offs (x) | 75.0200% | 546 |
| Efficiency ratio | 70.6104% | 3,570 |
| Assets per employee ($millions) | 3.6618% | 4,625 |
| Cash dividends to net income (ytd only)* | 143.6193% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7726% | 2,888 |
| Loan loss allowance to noncurrent loans | 96.5596% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.3895% | 3,521 |
| Noncurrent loans to loans | 1.8358% | 3,025 |
| Net loans and leases to total assets | 45.5071% | 5,815 |
| Net loans and leases to deposits | 50.9567% | 6,043 |
| Net loans and leases to core deposits | 55.0995% | 5,956 |
| Total domestic deposits to total assets | 89.3055% | 1,238 |
| Equity capital to assets | 10.4045% | 3,953 |
| Core capital (leverage) ratio | 9.5693% | 4,161 |
| Tier 1 risk-based capital ratio | 16.5505% | 2,967 |
| Total risk-based capital ratio | 17.8028% | 2,939 |
| Memoranda: | ||
| Average total assets | $747,709,500 | 897 |
| Average earning assets | $687,033,000 | 889 |
| Average equity | $83,176,500 | 844 |
| Average total loans | $339,607,750 | 1,254 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 4,080 |
| Cost of funding earning assets | 0.3761% | 6,399 |
| Net interest margin | 4.0505% | 2,295 |
| Noninterest income to average assets | 0.8780% | 1,867 |
| Noninterest expense to average assets | 3.0187% | 3,188 |
| Loan and lease loss provision to assets | 0.0302% | 5,291 |
| Net operating income to assets | 1.0606% | 2,201 |
| Return on assets (ROA) | 1.0606% | 2,433 |
| Pretax return on assets | 1.5425% | 1,732 |
| Return on Equity (ROE) | 10.0003% | 2,351 |
| Retained earnings to average equity (ytd only) | 10.0003% | 975 |
| Net charge-offs to loans | 0.0545% | 4,645 |
| Credit loss provision to net charge-offs | 125.8824% | 2,184 |
| Earnings coverage of net charge-offs (x) | 65.6235% | 595 |
| Efficiency ratio | 65.7476% | 4,579 |
| Assets per employee ($millions) | 3.5492% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9543% | 2,360 |
| Loan loss allowance to noncurrent loans | 121.6227% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.3573% | 3,725 |
| Noncurrent loans to loans | 1.6069% | 3,495 |
| Net loans and leases to total assets | 42.5868% | 6,142 |
| Net loans and leases to deposits | 47.8453% | 6,322 |
| Net loans and leases to core deposits | 51.5423% | 6,266 |
| Total domestic deposits to total assets | 89.0095% | 1,501 |
| Equity capital to assets | 10.7325% | 3,413 |
| Core capital (leverage) ratio | 9.7584% | 3,770 |
| Tier 1 risk-based capital ratio | 17.6633% | 2,406 |
| Total risk-based capital ratio | 18.9171% | 2,375 |
| Memoranda: | ||
| Average total assets | $709,378,330 | 938 |
| Average earning assets | $650,335,330 | 931 |
| Average equity | $75,237,670 | 932 |
| Average total loans | $311,873,330 | 1,359 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 3,833 |
| Cost of funding earning assets | 0.3925% | 6,444 |
| Net interest margin | 4.1291% | 1,996 |
| Noninterest income to average assets | 0.9501% | 1,568 |
| Noninterest expense to average assets | 3.0618% | 3,047 |
| Loan and lease loss provision to assets | 0.0204% | 5,083 |
| Net operating income to assets | 1.1468% | 1,892 |
| Return on assets (ROA) | 1.1468% | 2,072 |
| Pretax return on assets | 1.6604% | 1,402 |
| Return on Equity (ROE) | 10.8788% | 2,069 |
| Retained earnings to average equity (ytd only) | 10.8788% | 1,061 |
| Net charge-offs to loans | 0.0205% | 4,401 |
| Credit loss provision to net charge-offs | 225.0000% | 1,233 |
| Earnings coverage of net charge-offs (x) | 185.3125% | 200 |
| Efficiency ratio | 64.5589% | 4,825 |
| Assets per employee ($millions) | 3.5589% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9533% | 2,509 |
| Loan loss allowance to noncurrent loans | 115.2273% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 3,668 |
| Noncurrent loans to loans | 1.6952% | 3,565 |
| Net loans and leases to total assets | 42.4786% | 6,150 |
| Net loans and leases to deposits | 47.6477% | 6,309 |
| Net loans and leases to core deposits | 51.2864% | 6,258 |
| Total domestic deposits to total assets | 89.1513% | 1,598 |
| Equity capital to assets | 10.4786% | 3,513 |
| Core capital (leverage) ratio | 9.5960% | 3,926 |
| Tier 1 risk-based capital ratio | 17.2514% | 2,578 |
| Total risk-based capital ratio | 18.5051% | 2,547 |
| Memoranda: | ||
| Average total assets | $705,595,000 | 941 |
| Average earning assets | $648,077,500 | 934 |
| Average equity | $74,383,500 | 934 |
| Average total loans | $312,105,000 | 1,366 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6306% | 4,545 |
| Cost of funding earning assets | 0.5615% | 6,282 |
| Net interest margin | 4.0691% | 2,573 |
| Noninterest income to average assets | 0.7926% | 2,104 |
| Noninterest expense to average assets | 3.3290% | 2,426 |
| Loan and lease loss provision to assets | 0.3480% | 2,916 |
| Net operating income to assets | 0.5788% | 4,103 |
| Return on assets (ROA) | 0.5788% | 4,289 |
| Pretax return on assets | 0.8335% | 3,848 |
| Return on Equity (ROE) | 5.5522% | 4,105 |
| Retained earnings to average equity (ytd only) | 2.8198% | 4,236 |
| Net charge-offs to loans | 0.7374% | 2,306 |
| Credit loss provision to net charge-offs | 103.6487% | 3,330 |
| Earnings coverage of net charge-offs (x) | 3.5193% | 3,485 |
| Efficiency ratio | 73.3106% | 3,339 |
| Assets per employee ($millions) | 3.3606% | 5,343 |
| Cash dividends to net income (ytd only)* | 49.2126% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 2,453 |
| Loan loss allowance to noncurrent loans | 140.4354% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 1.6047% | 3,545 |
| Noncurrent loans to loans | 1.3807% | 4,075 |
| Net loans and leases to total assets | 44.2999% | 6,181 |
| Net loans and leases to deposits | 49.7202% | 6,377 |
| Net loans and leases to core deposits | 53.4295% | 6,344 |
| Total domestic deposits to total assets | 89.0984% | 1,480 |
| Equity capital to assets | 10.6078% | 3,408 |
| Core capital (leverage) ratio | 9.4845% | 4,051 |
| Tier 1 risk-based capital ratio | 16.8122% | 2,685 |
| Total risk-based capital ratio | 18.0659% | 2,647 |
| Memoranda: | ||
| Average total assets | $702,107,200 | 931 |
| Average earning assets | $641,488,600 | 924 |
| Average equity | $73,196,200 | 925 |
| Average total loans | $319,639,200 | 1,329 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6910% | 4,500 |
| Cost of funding earning assets | 0.5941% | 6,308 |
| Net interest margin | 4.0969% | 2,489 |
| Noninterest income to average assets | 0.8304% | 1,926 |
| Noninterest expense to average assets | 3.2494% | 2,664 |
| Loan and lease loss provision to assets | 0.2649% | 3,389 |
| Net operating income to assets | 0.6504% | 3,871 |
| Return on assets (ROA) | 0.6504% | 4,041 |
| Pretax return on assets | 1.0561% | 3,186 |
| Return on Equity (ROE) | 6.2658% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.2658% | 2,391 |
| Net charge-offs to loans | 0.5518% | 2,583 |
| Credit loss provision to net charge-offs | 105.2632% | 3,157 |
| Earnings coverage of net charge-offs (x) | 5.2489% | 2,836 |
| Efficiency ratio | 71.0956% | 3,723 |
| Assets per employee ($millions) | 3.4199% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9023% | 2,604 |
| Loan loss allowance to noncurrent loans | 106.8551% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 1.5351% | 3,792 |
| Noncurrent loans to loans | 1.7802% | 3,665 |
| Net loans and leases to total assets | 44.2700% | 6,309 |
| Net loans and leases to deposits | 49.7675% | 6,513 |
| Net loans and leases to core deposits | 53.5513% | 6,486 |
| Total domestic deposits to total assets | 88.9537% | 1,453 |
| Equity capital to assets | 10.6653% | 3,497 |
| Core capital (leverage) ratio | 9.4870% | 4,171 |
| Tier 1 risk-based capital ratio | 17.2457% | 2,550 |
| Total risk-based capital ratio | 18.4995% | 2,507 |
| Memoranda: | ||
| Average total assets | $704,563,000 | 932 |
| Average earning assets | $643,206,250 | 931 |
| Average equity | $73,136,250 | 927 |
| Average total loans | $321,362,750 | 1,331 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 4,739 |
| Cost of funding earning assets | 0.6233% | 6,350 |
| Net interest margin | 4.0304% | 2,698 |
| Noninterest income to average assets | 0.8862% | 1,689 |
| Noninterest expense to average assets | 3.1837% | 2,961 |
| Loan and lease loss provision to assets | 0.1706% | 4,226 |
| Net operating income to assets | 0.7883% | 3,126 |
| Return on assets (ROA) | 0.7883% | 3,251 |
| Pretax return on assets | 1.2067% | 2,454 |
| Return on Equity (ROE) | 7.6640% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.6640% | 1,595 |
| Net charge-offs to loans | 0.2400% | 3,690 |
| Credit loss provision to net charge-offs | 155.2972% | 1,962 |
| Earnings coverage of net charge-offs (x) | 12.5375% | 1,621 |
| Efficiency ratio | 69.8033% | 4,152 |
| Assets per employee ($millions) | 3.3195% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 2,540 |
| Loan loss allowance to noncurrent loans | 91.9923% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.7560% | 3,566 |
| Noncurrent loans to loans | 2.1089% | 3,342 |
| Net loans and leases to total assets | 44.4745% | 6,393 |
| Net loans and leases to deposits | 49.9015% | 6,604 |
| Net loans and leases to core deposits | 53.4818% | 6,593 |
| Total domestic deposits to total assets | 89.1247% | 1,464 |
| Equity capital to assets | 10.5417% | 3,459 |
| Core capital (leverage) ratio | 9.6299% | 3,767 |
| Tier 1 risk-based capital ratio | 16.9635% | 2,542 |
| Total risk-based capital ratio | 18.2176% | 2,507 |
| Memoranda: | ||
| Average total assets | $704,581,330 | 940 |
| Average earning assets | $642,419,670 | 942 |
| Average equity | $72,469,000 | 936 |
| Average total loans | $322,505,670 | 1,333 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 6,300 |
| Cost of funding earning assets | 0.6073% | 6,587 |
| Net interest margin | 3.5840% | 4,644 |
| Noninterest income to average assets | 0.8710% | 1,765 |
| Noninterest expense to average assets | 2.7564% | 4,620 |
| Loan and lease loss provision to assets | 0.0581% | 5,274 |
| Net operating income to assets | 0.8701% | 2,705 |
| Return on assets (ROA) | 0.8701% | 2,762 |
| Pretax return on assets | 1.3321% | 1,935 |
| Return on Equity (ROE) | 8.0382% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.0382% | 1,714 |
| Net charge-offs to loans | 0.1376% | 3,687 |
| Credit loss provision to net charge-offs | 115.2542% | 2,341 |
| Earnings coverage of net charge-offs (x) | 27.5932% | 892 |
| Efficiency ratio | 66.4745% | 4,950 |
| Assets per employee ($millions) | 5.7117% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9081% | 2,667 |
| Loan loss allowance to noncurrent loans | 307.9048% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 5,307 |
| Noncurrent loans to loans | 0.6197% | 5,791 |
| Net loans and leases to total assets | 35.4854% | 7,024 |
| Net loans and leases to deposits | 40.0887% | 7,099 |
| Net loans and leases to core deposits | 43.4031% | 7,058 |
| Total domestic deposits to total assets | 88.5171% | 2,065 |
| Equity capital to assets | 10.9542% | 2,731 |
| Core capital (leverage) ratio | 9.6126% | 3,644 |
| Tier 1 risk-based capital ratio | 18.8539% | 1,848 |
| Total risk-based capital ratio | 20.1085% | 1,809 |
| Memoranda: | ||
| Average total assets | $468,440,500 | 1,444 |
| Average earning assets | $428,125,500 | 1,440 |
| Average equity | $50,708,000 | 1,314 |
| Average total loans | $171,470,500 | 2,418 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6129% | 6,072 |
| Cost of funding earning assets | 0.7482% | 6,741 |
| Net interest margin | 3.8646% | 3,664 |
| Noninterest income to average assets | 0.9506% | 1,673 |
| Noninterest expense to average assets | 2.8440% | 4,425 |
| Loan and lease loss provision to assets | 0.1907% | 5,324 |
| Net operating income to assets | 0.9591% | 2,166 |
| Return on assets (ROA) | 0.9591% | 2,293 |
| Pretax return on assets | 1.4409% | 1,538 |
| Return on Equity (ROE) | 8.8569% | 2,361 |
| Retained earnings to average equity (ytd only) | 4.8274% | 2,523 |
| Net charge-offs to loans | 0.5051% | 3,598 |
| Credit loss provision to net charge-offs | 100.2294% | 4,544 |
| Earnings coverage of net charge-offs (x) | 8.5757% | 1,955 |
| Efficiency ratio | 63.5451% | 5,425 |
| Assets per employee ($millions) | 5.5776% | 1,515 |
| Cash dividends to net income (ytd only)* | 45.4959% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 2,668 |
| Loan loss allowance to noncurrent loans | 506.1224% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 5,543 |
| Noncurrent loans to loans | 0.3671% | 6,323 |
| Net loans and leases to total assets | 36.3451% | 7,144 |
| Net loans and leases to deposits | 40.8405% | 7,223 |
| Net loans and leases to core deposits | 44.1943% | 7,194 |
| Total domestic deposits to total assets | 88.9928% | 1,665 |
| Equity capital to assets | 10.6955% | 2,960 |
| Core capital (leverage) ratio | 9.2222% | 4,135 |
| Tier 1 risk-based capital ratio | 18.0105% | 1,994 |
| Total risk-based capital ratio | 19.2658% | 1,955 |
| Memoranda: | ||
| Average total assets | $458,336,800 | 1,448 |
| Average earning assets | $418,045,800 | 1,448 |
| Average equity | $49,633,600 | 1,350 |
| Average total loans | $172,652,800 | 2,435 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 6,013 |
| Cost of funding earning assets | 0.7763% | 6,826 |
| Net interest margin | 3.9250% | 3,428 |
| Noninterest income to average assets | 0.9805% | 1,521 |
| Noninterest expense to average assets | 2.7664% | 4,616 |
| Loan and lease loss provision to assets | 0.1436% | 5,597 |
| Net operating income to assets | 1.0785% | 1,973 |
| Return on assets (ROA) | 1.0785% | 2,080 |
| Pretax return on assets | 1.6437% | 1,228 |
| Return on Equity (ROE) | 9.9282% | 2,152 |
| Retained earnings to average equity (ytd only) | 4.5427% | 3,313 |
| Net charge-offs to loans | 0.3781% | 3,789 |
| Credit loss provision to net charge-offs | 100.4090% | 4,294 |
| Earnings coverage of net charge-offs (x) | 12.4950% | 1,678 |
| Efficiency ratio | 60.7503% | 5,831 |
| Assets per employee ($millions) | 6.3911% | 1,020 |
| Cash dividends to net income (ytd only)* | 54.2446% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8898% | 2,513 |
| Loan loss allowance to noncurrent loans | 630.9198% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 5,617 |
| Noncurrent loans to loans | 0.2995% | 6,590 |
| Net loans and leases to total assets | 34.9187% | 7,312 |
| Net loans and leases to deposits | 39.2456% | 7,392 |
| Net loans and leases to core deposits | 42.4031% | 7,365 |
| Total domestic deposits to total assets | 88.9750% | 1,399 |
| Equity capital to assets | 10.5070% | 3,509 |
| Core capital (leverage) ratio | 9.1062% | 4,522 |
| Tier 1 risk-based capital ratio | 18.1928% | 1,969 |
| Total risk-based capital ratio | 19.4449% | 1,928 |
| Memoranda: | ||
| Average total assets | $455,790,500 | 1,476 |
| Average earning assets | $414,931,750 | 1,481 |
| Average equity | $49,514,250 | 1,360 |
| Average total loans | $172,438,750 | 2,484 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 5,636 |
| Cost of funding earning assets | 0.8038% | 6,905 |
| Net interest margin | 4.0374% | 2,846 |
| Noninterest income to average assets | 1.0336% | 1,275 |
| Noninterest expense to average assets | 2.7566% | 4,676 |
| Loan and lease loss provision to assets | 0.1920% | 4,962 |
| Net operating income to assets | 1.1528% | 1,691 |
| Return on assets (ROA) | 1.1528% | 1,750 |
| Pretax return on assets | 1.7542% | 956 |
| Return on Equity (ROE) | 10.4893% | 1,934 |
| Retained earnings to average equity (ytd only) | 2.3643% | 4,655 |
| Net charge-offs to loans | 0.4819% | 3,097 |
| Credit loss provision to net charge-offs | 103.1175% | 3,952 |
| Earnings coverage of net charge-offs (x) | 10.4532% | 1,886 |
| Efficiency ratio | 58.6158% | 6,289 |
| Assets per employee ($millions) | 5.7383% | 1,417 |
| Cash dividends to net income (ytd only)* | 77.4593% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8750% | 2,492 |
| Loan loss allowance to noncurrent loans | 2,073.0769% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 5,688 |
| Noncurrent loans to loans | 0.0904% | 7,085 |
| Net loans and leases to total assets | 37.3349% | 7,299 |
| Net loans and leases to deposits | 42.1299% | 7,390 |
| Net loans and leases to core deposits | 45.5828% | 7,365 |
| Total domestic deposits to total assets | 88.6185% | 1,664 |
| Equity capital to assets | 10.8688% | 2,999 |
| Core capital (leverage) ratio | 9.1661% | 4,352 |
| Tier 1 risk-based capital ratio | 17.9922% | 1,963 |
| Total risk-based capital ratio | 19.2443% | 1,930 |
| Memoranda: | ||
| Average total assets | $447,944,000 | 1,524 |
| Average earning assets | $407,091,000 | 1,520 |
| Average equity | $49,231,330 | 1,359 |
| Average total loans | $173,051,670 | 2,502 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 5,240 |
| Cost of funding earning assets | 0.8310% | 6,995 |
| Net interest margin | 4.1173% | 2,366 |
| Noninterest income to average assets | 0.9666% | 1,399 |
| Noninterest expense to average assets | 3.0104% | 3,641 |
| Loan and lease loss provision to assets | 0.1374% | 5,185 |
| Net operating income to assets | 0.9289% | 2,430 |
| Return on assets (ROA) | 0.9289% | 2,497 |
| Pretax return on assets | 1.5578% | 1,371 |
| Return on Equity (ROE) | 8.4045% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.4045% | 1,560 |
| Net charge-offs to loans | 0.3254% | 3,112 |
| Credit loss provision to net charge-offs | 108.5106% | 3,172 |
| Earnings coverage of net charge-offs (x) | 13.3830% | 1,500 |
| Efficiency ratio | 63.9748% | 5,497 |
| Assets per employee ($millions) | 5.6225% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 2,586 |
| Loan loss allowance to noncurrent loans | 379.1325% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 5,276 |
| Noncurrent loans to loans | 0.4872% | 6,325 |
| Net loans and leases to total assets | 37.7352% | 7,357 |
| Net loans and leases to deposits | 42.6458% | 7,441 |
| Net loans and leases to core deposits | 46.1051% | 7,426 |
| Total domestic deposits to total assets | 88.4852% | 1,797 |
| Equity capital to assets | 10.9316% | 2,825 |
| Core capital (leverage) ratio | 9.4549% | 3,839 |
| Tier 1 risk-based capital ratio | 17.3281% | 2,135 |
| Total risk-based capital ratio | 18.5267% | 2,118 |
| Memoranda: | ||
| Average total assets | $445,254,000 | 1,571 |
| Average earning assets | $404,347,000 | 1,572 |
| Average equity | $49,211,500 | 1,363 |
| Average total loans | $173,336,500 | 2,562 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8770% | 2,338 |
| Cost of funding earning assets | 1.2882% | 6,347 |
| Net interest margin | 4.5889% | 1,002 |
| Noninterest income to average assets | 1.4505% | 688 |
| Noninterest expense to average assets | 3.5243% | 2,320 |
| Loan and lease loss provision to assets | 0.3891% | 4,454 |
| Net operating income to assets | 1.1700% | 1,331 |
| Return on assets (ROA) | 1.1700% | 1,371 |
| Pretax return on assets | 1.7715% | 673 |
| Return on Equity (ROE) | 11.8051% | 1,208 |
| Retained earnings to average equity (ytd only) | -0.2981% | 5,022 |
| Net charge-offs to loans | 0.7138% | 3,046 |
| Credit loss provision to net charge-offs | 139.7099% | 3,494 |
| Earnings coverage of net charge-offs (x) | 7.7570% | 2,082 |
| Efficiency ratio | 61.9936% | 6,157 |
| Assets per employee ($millions) | 4.7812% | 2,502 |
| Cash dividends to net income (ytd only)* | 102.5254% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8778% | 2,322 |
| Loan loss allowance to noncurrent loans | 1,371.0638% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.8412% | 5,418 |
| Noncurrent loans to loans | 0.1370% | 7,086 |
| Net loans and leases to total assets | 38.6963% | 7,422 |
| Net loans and leases to deposits | 43.8349% | 7,524 |
| Net loans and leases to core deposits | 54.9205% | 7,442 |
| Total domestic deposits to total assets | 88.2775% | 1,839 |
| Equity capital to assets | 11.1790% | 2,550 |
| Core capital (leverage) ratio | 9.2510% | 4,055 |
| Tier 1 risk-based capital ratio | 17.6696% | 1,981 |
| Total risk-based capital ratio | 18.9208% | 1,939 |
| Memoranda: | ||
| Average total assets | $395,997,200 | 1,735 |
| Average earning assets | $365,406,200 | 1,723 |
| Average equity | $39,245,600 | 1,709 |
| Average total loans | $154,535,400 | 2,851 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0768% | 1,732 |
| Cost of funding earning assets | 1.3924% | 6,258 |
| Net interest margin | 4.6845% | 859 |
| Noninterest income to average assets | 1.6208% | 558 |
| Noninterest expense to average assets | 3.2888% | 2,958 |
| Loan and lease loss provision to assets | 0.3059% | 4,524 |
| Net operating income to assets | 1.5552% | 728 |
| Return on assets (ROA) | 1.5552% | 780 |
| Pretax return on assets | 2.3675% | 248 |
| Return on Equity (ROE) | 16.2789% | 621 |
| Retained earnings to average equity (ytd only) | -0.8853% | 5,462 |
| Net charge-offs to loans | 0.4951% | 3,243 |
| Credit loss provision to net charge-offs | 158.7814% | 2,996 |
| Earnings coverage of net charge-offs (x) | 13.8782% | 1,645 |
| Efficiency ratio | 55.1618% | 7,102 |
| Assets per employee ($millions) | 4.8343% | 2,355 |
| Cash dividends to net income (ytd only)* | 105.4384% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 2,318 |
| Loan loss allowance to noncurrent loans | 219.9293% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 5,095 |
| Noncurrent loans to loans | 0.8126% | 5,674 |
| Net loans and leases to total assets | 38.8762% | 7,514 |
| Net loans and leases to deposits | 44.0124% | 7,620 |
| Net loans and leases to core deposits | 55.2663% | 7,567 |
| Total domestic deposits to total assets | 88.3301% | 1,504 |
| Equity capital to assets | 11.0587% | 2,962 |
| Core capital (leverage) ratio | 9.0854% | 4,520 |
| Tier 1 risk-based capital ratio | 17.0948% | 2,247 |
| Total risk-based capital ratio | 18.3456% | 2,197 |
| Memoranda: | ||
| Average total assets | $386,225,250 | 1,784 |
| Average earning assets | $357,940,500 | 1,764 |
| Average equity | $36,897,500 | 1,844 |
| Average total loans | $150,273,250 | 2,946 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 6,386 |
| Cost of funding earning assets | 1.3055% | 6,787 |
| Net interest margin | 3.8053% | 3,536 |
| Noninterest income to average assets | 0.8482% | 2,186 |
| Noninterest expense to average assets | 2.4283% | 6,376 |
| Loan and lease loss provision to assets | 0.2015% | 5,044 |
| Net operating income to assets | 1.1316% | 1,659 |
| Return on assets (ROA) | 1.1316% | 1,738 |
| Pretax return on assets | 1.7685% | 901 |
| Return on Equity (ROE) | 12.6380% | 1,251 |
| Retained earnings to average equity (ytd only) | -16.1674% | 7,307 |
| Net charge-offs to loans | 0.2066% | 4,225 |
| Credit loss provision to net charge-offs | 252.3810% | 1,845 |
| Earnings coverage of net charge-offs (x) | 24.6803% | 1,148 |
| Efficiency ratio | 55.2099% | 7,205 |
| Assets per employee ($millions) | 5.6691% | 1,432 |
| Cash dividends to net income (ytd only)* | 227.9271% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8482% | 1,918 |
| Loan loss allowance to noncurrent loans | 115.4676% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 4,549 |
| Noncurrent loans to loans | 1.6006% | 4,097 |
| Net loans and leases to total assets | 38.8001% | 7,611 |
| Net loans and leases to deposits | 42.7467% | 7,736 |
| Net loans and leases to core deposits | 54.5140% | 7,646 |
| Total domestic deposits to total assets | 90.7674% | 532 |
| Equity capital to assets | 8.7458% | 5,692 |
| Core capital (leverage) ratio | 8.4931% | 5,463 |
| Tier 1 risk-based capital ratio | 15.8195% | 2,685 |
| Total risk-based capital ratio | 17.0563% | 2,631 |
| Memoranda: | ||
| Average total assets | $368,325,330 | 1,883 |
| Average earning assets | $343,625,330 | 1,844 |
| Average equity | $32,980,000 | 2,060 |
| Average total loans | $142,318,330 | 3,105 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1498% | 6,489 |
| Cost of funding earning assets | 1.3962% | 6,747 |
| Net interest margin | 3.7536% | 3,641 |
| Noninterest income to average assets | 0.7613% | 2,532 |
| Noninterest expense to average assets | 2.1967% | 6,875 |
| Loan and lease loss provision to assets | 0.2484% | 3,983 |
| Net operating income to assets | 1.1934% | 1,672 |
| Return on assets (ROA) | 1.1934% | 1,785 |
| Pretax return on assets | 1.8155% | 947 |
| Return on Equity (ROE) | 13.1848% | 1,339 |
| Retained earnings to average equity (ytd only) | 13.1848% | 612 |
| Net charge-offs to loans | 0.3555% | 2,665 |
| Credit loss provision to net charge-offs | 182.8125% | 2,379 |
| Earnings coverage of net charge-offs (x) | 15.1875% | 1,620 |
| Efficiency ratio | 51.5574% | 7,463 |
| Assets per employee ($millions) | 6.4636% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 2,079 |
| Loan loss allowance to noncurrent loans | 150.6765% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1428% | 4,389 |
| Noncurrent loans to loans | 1.1409% | 4,711 |
| Net loans and leases to total assets | 35.5256% | 7,747 |
| Net loans and leases to deposits | 39.1631% | 7,867 |
| Net loans and leases to core deposits | 48.8534% | 7,815 |
| Total domestic deposits to total assets | 90.7119% | 510 |
| Equity capital to assets | 8.8179% | 5,591 |
| Core capital (leverage) ratio | 8.9245% | 4,830 |
| Tier 1 risk-based capital ratio | 17.6276% | 2,148 |
| Total risk-based capital ratio | 18.8735% | 2,092 |
| Memoranda: | ||
| Average total assets | $376,746,000 | 1,855 |
| Average earning assets | $351,234,500 | 1,825 |
| Average equity | $34,100,000 | 1,997 |
| Average total loans | $144,005,500 | 3,109 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2925% | 44 |
| Cost of funding earning assets | 3.3589% | 786 |
| Net interest margin | 6.9336% | 57 |
| Noninterest income to average assets | 1.6955% | 474 |
| Noninterest expense to average assets | 4.2612% | 1,088 |
| Loan and lease loss provision to assets | 0.2230% | 4,657 |
| Net operating income to assets | 2.3464% | 174 |
| Return on assets (ROA) | 2.3464% | 171 |
| Pretax return on assets | 3.5597% | 71 |
| Return on Equity (ROE) | 24.4448% | 157 |
| Retained earnings to average equity (ytd only) | 20.4021% | 31 |
| Net charge-offs to loans | 0.4488% | 2,586 |
| Credit loss provision to net charge-offs | 124.5665% | 4,295 |
| Earnings coverage of net charge-offs (x) | 21.1301% | 1,544 |
| Efficiency ratio | 52.9749% | 7,387 |
| Assets per employee ($millions) | 7.0434% | 690 |
| Cash dividends to net income (ytd only)* | 16.5380% | 4,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 2,195 |
| Loan loss allowance to noncurrent loans | 107.5723% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.4459% | 3,323 |
| Noncurrent loans to loans | 1.4977% | 3,552 |
| Net loans and leases to total assets | 39.8502% | 7,675 |
| Net loans and leases to deposits | 44.2410% | 7,841 |
| Net loans and leases to core deposits | 56.9875% | 7,711 |
| Total domestic deposits to total assets | 90.0752% | 620 |
| Equity capital to assets | 9.3073% | 4,928 |
| Core capital (leverage) ratio | 9.5869% | 3,896 |
| Tier 1 risk-based capital ratio | 16.7571% | 2,400 |
| Total risk-based capital ratio | 17.9603% | 2,350 |
| Memoranda: | ||
| Average total assets | $193,276,800 | 3,221 |
| Average earning assets | $176,964,600 | 3,229 |
| Average equity | $18,552,000 | 3,468 |
| Average total loans | $77,088,400 | 4,613 |