Home > The Moody National Bank > Performance and Condition Ratios
The Moody National 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 | 4.8954% | 2,288 |
| Cost of funding earning assets | 2.2844% | 561 |
| Net interest margin | 2.6111% | 3,947 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 2.3022% | 2,849 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9878% | 2,258 |
| Return on assets (ROA) | 0.9674% | 2,301 |
| Pretax return on assets | 1.2031% | 2,132 |
| Return on Equity (ROE) | 8.8100% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.8136% | 1,302 |
| Net charge-offs to loans | -0.0002% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.9705% | 2,611 |
| Assets per employee ($millions) | 8.2532% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,302 |
| Loan loss allowance to noncurrent loans | 166.7373% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 646 |
| Noncurrent loans to loans | 0.8536% | 893 |
| Net loans and leases to total assets | 67.2800% | 2,120 |
| Net loans and leases to deposits | 78.3258% | 2,236 |
| Net loans and leases to core deposits | 88.9632% | 2,115 |
| Total domestic deposits to total assets | 85.9000% | 2,053 |
| Equity capital to assets | 11.6989% | 1,226 |
| Core capital (leverage) ratio | 13.5562% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,685,764,600 | 653 |
| Average earning assets | $1,594,666,800 | 635 |
| Average equity | $185,032,000 | 573 |
| Average total loans | $1,116,969,800 | 667 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 2,210 |
| Cost of funding earning assets | 2.0529% | 643 |
| Net interest margin | 2.7753% | 3,767 |
| Noninterest income to average assets | 1.1600% | 521 |
| Noninterest expense to average assets | 2.3069% | 2,768 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.1234% | 1,981 |
| Return on assets (ROA) | 1.1234% | 1,960 |
| Pretax return on assets | 1.3933% | 1,793 |
| Return on Equity (ROE) | 10.4100% | 2,529 |
| Retained earnings to average equity (ytd only) | 10.4078% | 1,297 |
| Net charge-offs to loans | 0.0047% | 2,305 |
| Credit loss provision to net charge-offs | 2,674.3590% | 177 |
| Earnings coverage of net charge-offs (x) | 477.4872% | 316 |
| Efficiency ratio | 60.9068% | 2,857 |
| Assets per employee ($millions) | 8.2224% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 1,361 |
| Loan loss allowance to noncurrent loans | 142.9850% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 837 |
| Noncurrent loans to loans | 0.9950% | 811 |
| Net loans and leases to total assets | 67.6200% | 2,089 |
| Net loans and leases to deposits | 79.6414% | 2,081 |
| Net loans and leases to core deposits | 88.5249% | 2,021 |
| Total domestic deposits to total assets | 84.9000% | 2,528 |
| Equity capital to assets | 10.7427% | 1,457 |
| Core capital (leverage) ratio | 13.4333% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,682,166,500 | 657 |
| Average earning assets | $1,589,356,250 | 639 |
| Average equity | $181,565,000 | 580 |
| Average total loans | $1,106,100,250 | 671 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7051% | 2,192 |
| Cost of funding earning assets | 1.9329% | 570 |
| Net interest margin | 2.7722% | 3,865 |
| Noninterest income to average assets | 1.2700% | 409 |
| Noninterest expense to average assets | 2.2932% | 2,829 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.1907% | 1,851 |
| Return on assets (ROA) | 1.1907% | 1,845 |
| Pretax return on assets | 1.4701% | 1,650 |
| Return on Equity (ROE) | 11.0100% | 2,413 |
| Retained earnings to average equity (ytd only) | 11.0143% | 1,182 |
| Net charge-offs to loans | 0.0057% | 2,045 |
| Credit loss provision to net charge-offs | 3,364.5161% | 156 |
| Earnings coverage of net charge-offs (x) | 432.2258% | 339 |
| Efficiency ratio | 58.9184% | 3,083 |
| Assets per employee ($millions) | 8.5005% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,308 |
| Loan loss allowance to noncurrent loans | 97.0056% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 460 |
| Noncurrent loans to loans | 1.5051% | 440 |
| Net loans and leases to total assets | 65.6600% | 2,190 |
| Net loans and leases to deposits | 76.8924% | 2,226 |
| Net loans and leases to core deposits | 85.2293% | 2,133 |
| Total domestic deposits to total assets | 85.3900% | 2,429 |
| Equity capital to assets | 10.9436% | 1,409 |
| Core capital (leverage) ratio | 13.2327% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,681,021,333 | 644 |
| Average earning assets | $1,585,981,667 | 628 |
| Average equity | $181,726,667 | 569 |
| Average total loans | $1,089,404,000 | 668 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 2,209 |
| Cost of funding earning assets | 1.5997% | 698 |
| Net interest margin | 2.9448% | 3,711 |
| Noninterest income to average assets | 1.1600% | 464 |
| Noninterest expense to average assets | 2.3636% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2739% | 1,740 |
| Return on assets (ROA) | 1.2739% | 1,712 |
| Pretax return on assets | 1.5728% | 1,527 |
| Return on Equity (ROE) | 11.8600% | 2,251 |
| Retained earnings to average equity (ytd only) | 11.8581% | 1,295 |
| Net charge-offs to loans | 0.0142% | 1,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 173.3947% | 557 |
| Efficiency ratio | 59.9721% | 2,962 |
| Assets per employee ($millions) | 8.6869% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 1,605 |
| Loan loss allowance to noncurrent loans | 87.2671% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0111% | 401 |
| Noncurrent loans to loans | 1.6090% | 402 |
| Net loans and leases to total assets | 61.9600% | 2,466 |
| Net loans and leases to deposits | 73.8094% | 2,309 |
| Net loans and leases to core deposits | 78.9394% | 2,321 |
| Total domestic deposits to total assets | 83.9500% | 3,105 |
| Equity capital to assets | 10.4154% | 1,606 |
| Core capital (leverage) ratio | 13.5345% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,675,735,000 | 660 |
| Average earning assets | $1,578,515,000 | 643 |
| Average equity | $180,029,500 | 585 |
| Average total loans | $1,070,526,000 | 686 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 2,509 |
| Cost of funding earning assets | 0.4148% | 1,978 |
| Net interest margin | 3.2917% | 2,585 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.3203% | 2,668 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3463% | 1,286 |
| Return on assets (ROA) | 1.3024% | 1,380 |
| Pretax return on assets | 1.6107% | 1,145 |
| Return on Equity (ROE) | 11.9400% | 2,159 |
| Retained earnings to average equity (ytd only) | 11.9425% | 679 |
| Net charge-offs to loans | -0.0156% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.2780% | 3,429 |
| Assets per employee ($millions) | 7.8697% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,450 |
| Loan loss allowance to noncurrent loans | 81.6192% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.1271% | 352 |
| Noncurrent loans to loans | 1.7336% | 354 |
| Net loans and leases to total assets | 64.1000% | 2,233 |
| Net loans and leases to deposits | 72.2588% | 2,388 |
| Net loans and leases to core deposits | 77.9089% | 2,284 |
| Total domestic deposits to total assets | 88.7100% | 1,809 |
| Equity capital to assets | 11.1000% | 1,219 |
| Core capital (leverage) ratio | 13.3163% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,650,671,600 | 654 |
| Average earning assets | $1,585,478,800 | 626 |
| Average equity | $180,012,800 | 575 |
| Average total loans | $941,633,000 | 724 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5543% | 2,453 |
| Cost of funding earning assets | 0.2060% | 3,201 |
| Net interest margin | 3.3482% | 2,145 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.3051% | 2,617 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.3837% | 1,132 |
| Return on assets (ROA) | 1.3782% | 1,121 |
| Pretax return on assets | 1.7013% | 903 |
| Return on Equity (ROE) | 12.6900% | 1,806 |
| Retained earnings to average equity (ytd only) | 12.6920% | 665 |
| Net charge-offs to loans | -0.0210% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.2411% | 3,603 |
| Assets per employee ($millions) | 8.0423% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 1,431 |
| Loan loss allowance to noncurrent loans | 80.1020% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 390 |
| Noncurrent loans to loans | 1.8194% | 346 |
| Net loans and leases to total assets | 60.2700% | 2,472 |
| Net loans and leases to deposits | 73.8083% | 2,074 |
| Net loans and leases to core deposits | 83.6432% | 1,683 |
| Total domestic deposits to total assets | 81.6500% | 3,886 |
| Equity capital to assets | 9.8704% | 1,679 |
| Core capital (leverage) ratio | 12.5042% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,661,986,750 | 654 |
| Average earning assets | $1,596,655,000 | 621 |
| Average equity | $180,466,000 | 581 |
| Average total loans | $916,092,000 | 739 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2127% | 3,001 |
| Cost of funding earning assets | 0.1373% | 3,745 |
| Net interest margin | 3.0753% | 2,620 |
| Noninterest income to average assets | 0.8948% | 858 |
| Noninterest expense to average assets | 2.3000% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2692% | 1,225 |
| Return on assets (ROA) | 1.2692% | 1,206 |
| Pretax return on assets | 1.5668% | 1,014 |
| Return on Equity (ROE) | 11.3458% | 1,877 |
| Retained earnings to average equity (ytd only) | 11.3458% | 727 |
| Net charge-offs to loans | 0.0018% | 2,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,629.2500% | 71 |
| Efficiency ratio | 59.4056% | 3,380 |
| Assets per employee ($millions) | 8.0334% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,488 |
| Loan loss allowance to noncurrent loans | 55.9763% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.4988% | 235 |
| Noncurrent loans to loans | 2.6275% | 213 |
| Net loans and leases to total assets | 56.2015% | 2,733 |
| Net loans and leases to deposits | 62.7510% | 2,833 |
| Net loans and leases to core deposits | 71.0040% | 2,415 |
| Total domestic deposits to total assets | 89.5628% | 1,912 |
| Equity capital to assets | 10.1332% | 1,636 |
| Core capital (leverage) ratio | 12.8307% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,663,745,333 | 648 |
| Average earning assets | $1,607,819,000 | 619 |
| Average equity | $186,113,333 | 574 |
| Average total loans | $883,717,667 | 749 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0182% | 3,201 |
| Cost of funding earning assets | 0.1186% | 3,914 |
| Net interest margin | 2.8996% | 2,840 |
| Noninterest income to average assets | 0.8954% | 846 |
| Noninterest expense to average assets | 2.2724% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1659% | 1,340 |
| Return on assets (ROA) | 1.1659% | 1,335 |
| Pretax return on assets | 1.4395% | 1,152 |
| Return on Equity (ROE) | 9.9700% | 1,976 |
| Retained earnings to average equity (ytd only) | 9.9700% | 1,028 |
| Net charge-offs to loans | 0.0111% | 1,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 252.5417% | 367 |
| Efficiency ratio | 61.1427% | 3,366 |
| Assets per employee ($millions) | 8.5150% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,304 |
| Loan loss allowance to noncurrent loans | 49.3647% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.5704% | 227 |
| Noncurrent loans to loans | 3.2189% | 152 |
| Net loans and leases to total assets | 48.0105% | 3,384 |
| Net loans and leases to deposits | 54.0407% | 3,416 |
| Net loans and leases to core deposits | 60.3868% | 3,108 |
| Total domestic deposits to total assets | 88.8413% | 2,154 |
| Equity capital to assets | 10.7060% | 1,486 |
| Core capital (leverage) ratio | 12.7793% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,684,244,500 | 643 |
| Average earning assets | $1,635,943,500 | 612 |
| Average equity | $196,951,500 | 557 |
| Average total loans | $862,765,500 | 752 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2511% | 3,341 |
| Cost of funding earning assets | 0.2221% | 3,230 |
| Net interest margin | 3.0289% | 3,116 |
| Noninterest income to average assets | 1.0141% | 977 |
| Noninterest expense to average assets | 2.3368% | 2,694 |
| Loan and lease loss provision to assets | 0.0926% | 1,346 |
| Net operating income to assets | 1.2090% | 1,896 |
| Return on assets (ROA) | 1.2193% | 1,906 |
| Pretax return on assets | 1.5125% | 1,676 |
| Return on Equity (ROE) | 9.2669% | 2,795 |
| Retained earnings to average equity (ytd only) | 9.2669% | 1,112 |
| Net charge-offs to loans | 0.0068% | 2,323 |
| Credit loss provision to net charge-offs | 2,372.8814% | 276 |
| Earnings coverage of net charge-offs (x) | 408.1186% | 319 |
| Efficiency ratio | 59.3924% | 3,242 |
| Assets per employee ($millions) | 8.0318% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 1,344 |
| Loan loss allowance to noncurrent loans | 48.3478% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 211 |
| Noncurrent loans to loans | 3.2393% | 168 |
| Net loans and leases to total assets | 53.0330% | 2,960 |
| Net loans and leases to deposits | 61.0197% | 2,988 |
| Net loans and leases to core deposits | 69.5220% | 2,499 |
| Total domestic deposits to total assets | 86.9113% | 2,557 |
| Equity capital to assets | 12.7670% | 971 |
| Core capital (leverage) ratio | 12.0101% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,512,127,800 | 679 |
| Average earning assets | $1,455,342,200 | 658 |
| Average equity | $198,954,800 | 550 |
| Average total loans | $862,210,400 | 754 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3434% | 3,268 |
| Cost of funding earning assets | 0.2529% | 3,094 |
| Net interest margin | 3.0906% | 3,076 |
| Noninterest income to average assets | 0.9582% | 1,138 |
| Noninterest expense to average assets | 2.4036% | 2,430 |
| Loan and lease loss provision to assets | 0.1166% | 1,026 |
| Net operating income to assets | 1.1278% | 2,446 |
| Return on assets (ROA) | 1.1337% | 2,487 |
| Pretax return on assets | 1.4094% | 2,299 |
| Return on Equity (ROE) | 8.5476% | 3,244 |
| Retained earnings to average equity (ytd only) | 8.5476% | 1,860 |
| Net charge-offs to loans | 0.0139% | 1,812 |
| Credit loss provision to net charge-offs | 1,444.4444% | 416 |
| Earnings coverage of net charge-offs (x) | 188.1333% | 580 |
| Efficiency ratio | 61.2014% | 2,805 |
| Assets per employee ($millions) | 7.9623% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,513 |
| Loan loss allowance to noncurrent loans | 48.9106% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.7765% | 239 |
| Noncurrent loans to loans | 3.1352% | 202 |
| Net loans and leases to total assets | 55.7954% | 2,751 |
| Net loans and leases to deposits | 64.6429% | 2,773 |
| Net loans and leases to core deposits | 74.2044% | 2,215 |
| Total domestic deposits to total assets | 86.3133% | 2,631 |
| Equity capital to assets | 13.1150% | 951 |
| Core capital (leverage) ratio | 13.0104% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,486,560,000 | 700 |
| Average earning assets | $1,425,717,250 | 676 |
| Average equity | $197,165,750 | 555 |
| Average total loans | $860,316,500 | 769 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3503% | 3,307 |
| Cost of funding earning assets | 0.2941% | 2,830 |
| Net interest margin | 3.0562% | 3,163 |
| Noninterest income to average assets | 0.9356% | 1,182 |
| Noninterest expense to average assets | 2.3777% | 2,536 |
| Loan and lease loss provision to assets | 0.1502% | 791 |
| Net operating income to assets | 1.0641% | 2,667 |
| Return on assets (ROA) | 1.0731% | 2,712 |
| Pretax return on assets | 1.3427% | 2,510 |
| Return on Equity (ROE) | 8.0590% | 3,395 |
| Retained earnings to average equity (ytd only) | 8.0590% | 2,053 |
| Net charge-offs to loans | 0.0272% | 1,406 |
| Credit loss provision to net charge-offs | 948.2759% | 491 |
| Earnings coverage of net charge-offs (x) | 93.5345% | 777 |
| Efficiency ratio | 61.5229% | 2,797 |
| Assets per employee ($millions) | 8.1772% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 1,504 |
| Loan loss allowance to noncurrent loans | 47.8725% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.7929% | 257 |
| Noncurrent loans to loans | 3.1898% | 218 |
| Net loans and leases to total assets | 55.3493% | 2,974 |
| Net loans and leases to deposits | 64.0037% | 3,000 |
| Net loans and leases to core deposits | 75.1168% | 2,318 |
| Total domestic deposits to total assets | 86.4782% | 2,557 |
| Equity capital to assets | 12.8208% | 1,009 |
| Core capital (leverage) ratio | 12.9693% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,464,532,333 | 704 |
| Average earning assets | $1,401,085,000 | 681 |
| Average equity | $195,011,333 | 559 |
| Average total loans | $853,823,667 | 774 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4173% | 3,146 |
| Cost of funding earning assets | 0.3662% | 2,392 |
| Net interest margin | 3.0511% | 3,124 |
| Noninterest income to average assets | 0.9227% | 1,274 |
| Noninterest expense to average assets | 2.3201% | 2,722 |
| Loan and lease loss provision to assets | 0.2247% | 509 |
| Net operating income to assets | 1.0275% | 2,720 |
| Return on assets (ROA) | 1.0275% | 2,799 |
| Pretax return on assets | 1.3008% | 2,572 |
| Return on Equity (ROE) | 7.5639% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.5639% | 2,396 |
| Net charge-offs to loans | 0.0567% | 944 |
| Credit loss provision to net charge-offs | 666.6667% | 522 |
| Earnings coverage of net charge-offs (x) | 45.2583% | 938 |
| Efficiency ratio | 60.2440% | 3,004 |
| Assets per employee ($millions) | 7.3750% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,443 |
| Loan loss allowance to noncurrent loans | 45.5779% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.9573% | 263 |
| Noncurrent loans to loans | 3.3890% | 207 |
| Net loans and leases to total assets | 56.8616% | 2,934 |
| Net loans and leases to deposits | 66.3628% | 2,883 |
| Net loans and leases to core deposits | 78.5591% | 2,133 |
| Total domestic deposits to total assets | 85.6829% | 2,861 |
| Equity capital to assets | 13.3068% | 830 |
| Core capital (leverage) ratio | 13.1741% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,424,051,000 | 711 |
| Average earning assets | $1,364,216,500 | 691 |
| Average equity | $193,444,500 | 551 |
| Average total loans | $846,393,000 | 772 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9958% | 2,740 |
| Cost of funding earning assets | 0.5924% | 2,366 |
| Net interest margin | 3.4033% | 2,770 |
| Noninterest income to average assets | 1.0312% | 991 |
| Noninterest expense to average assets | 2.6346% | 2,438 |
| Loan and lease loss provision to assets | 0.2288% | 1,703 |
| Net operating income to assets | 1.0808% | 1,985 |
| Return on assets (ROA) | 1.0808% | 2,122 |
| Pretax return on assets | 1.4030% | 1,648 |
| Return on Equity (ROE) | 7.7628% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.7628% | 1,127 |
| Net charge-offs to loans | 0.1139% | 1,341 |
| Credit loss provision to net charge-offs | 310.2378% | 1,700 |
| Earnings coverage of net charge-offs (x) | 22.1241% | 1,869 |
| Efficiency ratio | 61.7370% | 3,182 |
| Assets per employee ($millions) | 7.1185% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,820 |
| Loan loss allowance to noncurrent loans | 58.4225% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.5066% | 485 |
| Noncurrent loans to loans | 2.4623% | 414 |
| Net loans and leases to total assets | 60.3067% | 2,820 |
| Net loans and leases to deposits | 70.5996% | 2,812 |
| Net loans and leases to core deposits | 87.6539% | 1,726 |
| Total domestic deposits to total assets | 85.4207% | 2,606 |
| Equity capital to assets | 13.8728% | 827 |
| Core capital (leverage) ratio | 13.0555% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,311,019,000 | 698 |
| Average earning assets | $1,246,272,200 | 680 |
| Average equity | $182,523,200 | 551 |
| Average total loans | $848,841,600 | 749 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 2,870 |
| Cost of funding earning assets | 0.6250% | 2,457 |
| Net interest margin | 3.4125% | 2,882 |
| Noninterest income to average assets | 1.0564% | 930 |
| Noninterest expense to average assets | 2.5461% | 2,703 |
| Loan and lease loss provision to assets | 0.2894% | 1,397 |
| Net operating income to assets | 1.1125% | 1,940 |
| Return on assets (ROA) | 1.1125% | 2,063 |
| Pretax return on assets | 1.4555% | 1,559 |
| Return on Equity (ROE) | 7.9828% | 2,815 |
| Retained earnings to average equity (ytd only) | 7.9828% | 1,307 |
| Net charge-offs to loans | 0.1562% | 943 |
| Credit loss provision to net charge-offs | 281.9738% | 1,820 |
| Earnings coverage of net charge-offs (x) | 17.0010% | 2,036 |
| Efficiency ratio | 59.3352% | 3,481 |
| Assets per employee ($millions) | 7.4362% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 1,988 |
| Loan loss allowance to noncurrent loans | 110.4443% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 1,508 |
| Noncurrent loans to loans | 1.2164% | 1,250 |
| Net loans and leases to total assets | 62.3300% | 2,966 |
| Net loans and leases to deposits | 72.8794% | 3,050 |
| Net loans and leases to core deposits | 90.9267% | 1,892 |
| Total domestic deposits to total assets | 85.5249% | 2,245 |
| Equity capital to assets | 13.3247% | 1,060 |
| Core capital (leverage) ratio | 13.5564% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,289,965,500 | 691 |
| Average earning assets | $1,222,676,500 | 675 |
| Average equity | $179,764,500 | 551 |
| Average total loans | $847,627,000 | 746 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 2,833 |
| Cost of funding earning assets | 0.6683% | 2,570 |
| Net interest margin | 3.5085% | 2,758 |
| Noninterest income to average assets | 1.1557% | 748 |
| Noninterest expense to average assets | 2.5924% | 2,687 |
| Loan and lease loss provision to assets | 0.3530% | 1,196 |
| Net operating income to assets | 1.1722% | 1,719 |
| Return on assets (ROA) | 1.1722% | 1,852 |
| Pretax return on assets | 1.5369% | 1,374 |
| Return on Equity (ROE) | 8.2740% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.2740% | 1,230 |
| Net charge-offs to loans | 0.0835% | 1,411 |
| Credit loss provision to net charge-offs | 634.0058% | 1,066 |
| Earnings coverage of net charge-offs (x) | 33.9452% | 1,354 |
| Efficiency ratio | 57.8358% | 3,713 |
| Assets per employee ($millions) | 6.8064% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 1,698 |
| Loan loss allowance to noncurrent loans | 170.7493% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 2,220 |
| Noncurrent loans to loans | 0.8015% | 1,889 |
| Net loans and leases to total assets | 65.7122% | 2,666 |
| Net loans and leases to deposits | 77.2373% | 2,732 |
| Net loans and leases to core deposits | 97.4644% | 1,455 |
| Total domestic deposits to total assets | 85.0783% | 2,366 |
| Equity capital to assets | 13.9269% | 870 |
| Core capital (leverage) ratio | 13.6905% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,246,513,333 | 702 |
| Average earning assets | $1,181,858,667 | 677 |
| Average equity | $176,601,333 | 556 |
| Average total loans | $831,055,333 | 751 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 2,899 |
| Cost of funding earning assets | 0.7187% | 2,849 |
| Net interest margin | 3.5910% | 2,698 |
| Noninterest income to average assets | 1.2768% | 538 |
| Noninterest expense to average assets | 2.6627% | 2,804 |
| Loan and lease loss provision to assets | 0.3980% | 767 |
| Net operating income to assets | 1.2360% | 1,419 |
| Return on assets (ROA) | 1.2360% | 1,519 |
| Pretax return on assets | 1.6114% | 1,024 |
| Return on Equity (ROE) | 8.6433% | 2,264 |
| Retained earnings to average equity (ytd only) | 8.6433% | 1,073 |
| Net charge-offs to loans | 0.1939% | 703 |
| Credit loss provision to net charge-offs | 307.6923% | 1,157 |
| Earnings coverage of net charge-offs (x) | 15.5359% | 1,560 |
| Efficiency ratio | 56.9918% | 4,117 |
| Assets per employee ($millions) | 6.4051% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,798 |
| Loan loss allowance to noncurrent loans | 193.4570% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,573 |
| Noncurrent loans to loans | 0.7101% | 2,226 |
| Net loans and leases to total assets | 64.8962% | 2,954 |
| Net loans and leases to deposits | 76.0508% | 3,069 |
| Net loans and leases to core deposits | 86.1482% | 2,668 |
| Total domestic deposits to total assets | 85.3327% | 2,275 |
| Equity capital to assets | 14.1080% | 1,025 |
| Core capital (leverage) ratio | 14.6038% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,206,146,500 | 687 |
| Average earning assets | $1,140,405,500 | 666 |
| Average equity | $172,479,500 | 566 |
| Average total loans | $804,451,000 | 746 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 2,401 |
| Cost of funding earning assets | 0.7503% | 2,916 |
| Net interest margin | 3.9255% | 2,087 |
| Noninterest income to average assets | 1.3114% | 550 |
| Noninterest expense to average assets | 3.0213% | 1,963 |
| Loan and lease loss provision to assets | 0.1647% | 1,267 |
| Net operating income to assets | 1.4651% | 1,142 |
| Return on assets (ROA) | 1.4670% | 1,197 |
| Pretax return on assets | 1.8508% | 836 |
| Return on Equity (ROE) | 9.8040% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.8040% | 533 |
| Net charge-offs to loans | 0.1900% | 1,070 |
| Credit loss provision to net charge-offs | 122.2826% | 2,077 |
| Earnings coverage of net charge-offs (x) | 14.9443% | 2,258 |
| Efficiency ratio | 60.0124% | 3,692 |
| Assets per employee ($millions) | 6.2247% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,045 |
| Loan loss allowance to noncurrent loans | 263.5802% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 3,109 |
| Noncurrent loans to loans | 0.4836% | 2,739 |
| Net loans and leases to total assets | 66.7558% | 2,867 |
| Net loans and leases to deposits | 78.5978% | 2,947 |
| Net loans and leases to core deposits | 88.4809% | 2,566 |
| Total domestic deposits to total assets | 84.9335% | 2,519 |
| Equity capital to assets | 14.4977% | 938 |
| Core capital (leverage) ratio | 14.3516% | 836 |
| Tier 1 risk-based capital ratio | 18.0420% | 1,747 |
| Total risk-based capital ratio | 19.1394% | 1,741 |
| Memoranda: | ||
| Average total assets | $1,092,691,400 | 729 |
| Average earning assets | $1,036,359,800 | 706 |
| Average equity | $163,505,400 | 566 |
| Average total loans | $774,876,400 | 733 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 2,378 |
| Cost of funding earning assets | 0.7301% | 3,068 |
| Net interest margin | 3.9813% | 2,013 |
| Noninterest income to average assets | 1.3627% | 495 |
| Noninterest expense to average assets | 3.1177% | 1,675 |
| Loan and lease loss provision to assets | 0.0749% | 2,394 |
| Net operating income to assets | 1.5453% | 1,075 |
| Return on assets (ROA) | 1.5479% | 1,122 |
| Pretax return on assets | 1.9496% | 771 |
| Return on Equity (ROE) | 10.2554% | 2,329 |
| Retained earnings to average equity (ytd only) | 10.2554% | 692 |
| Net charge-offs to loans | 0.0818% | 1,658 |
| Credit loss provision to net charge-offs | 127.3885% | 1,855 |
| Earnings coverage of net charge-offs (x) | 34.3951% | 1,499 |
| Efficiency ratio | 60.6682% | 3,519 |
| Assets per employee ($millions) | 6.1586% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,072 |
| Loan loss allowance to noncurrent loans | 166.5672% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 2,510 |
| Noncurrent loans to loans | 0.7678% | 2,052 |
| Net loans and leases to total assets | 64.9216% | 3,192 |
| Net loans and leases to deposits | 76.1733% | 3,276 |
| Net loans and leases to core deposits | 86.8493% | 2,835 |
| Total domestic deposits to total assets | 85.2288% | 2,331 |
| Equity capital to assets | 14.1345% | 1,096 |
| Core capital (leverage) ratio | 15.0657% | 725 |
| Tier 1 risk-based capital ratio | 17.8505% | 1,863 |
| Total risk-based capital ratio | 18.9406% | 1,862 |
| Memoranda: | ||
| Average total assets | $1,068,632,500 | 743 |
| Average earning assets | $1,013,584,750 | 718 |
| Average equity | $161,290,000 | 577 |
| Average total loans | $767,614,000 | 743 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 1,959 |
| Cost of funding earning assets | 0.6879% | 3,233 |
| Net interest margin | 4.1453% | 1,495 |
| Noninterest income to average assets | 1.4567% | 419 |
| Noninterest expense to average assets | 3.2488% | 1,406 |
| Loan and lease loss provision to assets | 0.0584% | 2,656 |
| Net operating income to assets | 1.6597% | 789 |
| Return on assets (ROA) | 1.6638% | 816 |
| Pretax return on assets | 2.0781% | 584 |
| Return on Equity (ROE) | 10.7582% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.7582% | 587 |
| Net charge-offs to loans | 0.0081% | 2,853 |
| Credit loss provision to net charge-offs | 967.7419% | 358 |
| Earnings coverage of net charge-offs (x) | 352.9355% | 221 |
| Efficiency ratio | 60.3831% | 3,669 |
| Assets per employee ($millions) | 5.4260% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,104 |
| Loan loss allowance to noncurrent loans | 152.2109% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 2,001 |
| Noncurrent loans to loans | 0.8404% | 1,917 |
| Net loans and leases to total assets | 75.4791% | 1,632 |
| Net loans and leases to deposits | 90.2997% | 1,706 |
| Net loans and leases to core deposits | 103.2503% | 1,448 |
| Total domestic deposits to total assets | 83.5873% | 3,019 |
| Equity capital to assets | 15.7811% | 656 |
| Core capital (leverage) ratio | 15.6952% | 591 |
| Tier 1 risk-based capital ratio | 17.6823% | 1,886 |
| Total risk-based capital ratio | 18.8044% | 1,883 |
| Memoranda: | ||
| Average total assets | $1,026,588,000 | 763 |
| Average earning assets | $971,695,330 | 745 |
| Average equity | $158,762,000 | 582 |
| Average total loans | $761,582,000 | 752 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8653% | 1,711 |
| Cost of funding earning assets | 0.6605% | 3,260 |
| Net interest margin | 4.2048% | 1,295 |
| Noninterest income to average assets | 1.5074% | 385 |
| Noninterest expense to average assets | 3.2542% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8033% | 581 |
| Return on assets (ROA) | 1.8045% | 596 |
| Pretax return on assets | 2.2281% | 423 |
| Return on Equity (ROE) | 11.7917% | 1,616 |
| Retained earnings to average equity (ytd only) | 11.7917% | 654 |
| Net charge-offs to loans | 0.0091% | 2,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 333.6471% | 240 |
| Efficiency ratio | 59.3754% | 3,895 |
| Assets per employee ($millions) | 5.3219% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 2,103 |
| Loan loss allowance to noncurrent loans | 137.9632% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6917% | 2,028 |
| Noncurrent loans to loans | 0.9407% | 1,781 |
| Net loans and leases to total assets | 72.5747% | 2,063 |
| Net loans and leases to deposits | 88.0165% | 1,871 |
| Net loans and leases to core deposits | 101.0938% | 1,532 |
| Total domestic deposits to total assets | 82.4557% | 3,600 |
| Equity capital to assets | 15.3197% | 682 |
| Core capital (leverage) ratio | 14.8427% | 732 |
| Tier 1 risk-based capital ratio | 18.1644% | 1,751 |
| Total risk-based capital ratio | 19.3159% | 1,738 |
| Memoranda: | ||
| Average total assets | $1,018,985,500 | 771 |
| Average earning assets | $962,907,000 | 752 |
| Average equity | $155,940,000 | 586 |
| Average total loans | $744,110,500 | 771 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 2,754 |
| Cost of funding earning assets | 0.4150% | 3,896 |
| Net interest margin | 3.9860% | 2,036 |
| Noninterest income to average assets | 1.3874% | 471 |
| Noninterest expense to average assets | 3.3114% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4900% | 1,146 |
| Return on assets (ROA) | 1.4915% | 1,130 |
| Pretax return on assets | 1.8408% | 834 |
| Return on Equity (ROE) | 10.4331% | 2,331 |
| Retained earnings to average equity (ytd only) | 10.4331% | 536 |
| Net charge-offs to loans | 0.0014% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,872.7000% | 54 |
| Efficiency ratio | 64.2948% | 3,144 |
| Assets per employee ($millions) | 4.9762% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 1,756 |
| Loan loss allowance to noncurrent loans | 138.1423% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7482% | 1,859 |
| Noncurrent loans to loans | 0.9903% | 1,637 |
| Net loans and leases to total assets | 71.5096% | 2,342 |
| Net loans and leases to deposits | 85.4577% | 2,354 |
| Net loans and leases to core deposits | 100.7823% | 1,662 |
| Total domestic deposits to total assets | 83.6784% | 3,090 |
| Equity capital to assets | 15.2866% | 649 |
| Core capital (leverage) ratio | 15.0141% | 690 |
| Tier 1 risk-based capital ratio | 18.4246% | 1,638 |
| Total risk-based capital ratio | 19.6286% | 1,603 |
| Memoranda: | ||
| Average total assets | $1,018,350,000 | 754 |
| Average earning assets | $961,356,000 | 732 |
| Average equity | $145,584,600 | 595 |
| Average total loans | $702,974,800 | 787 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 2,885 |
| Cost of funding earning assets | 0.3890% | 3,942 |
| Net interest margin | 3.9324% | 2,187 |
| Noninterest income to average assets | 1.4290% | 462 |
| Noninterest expense to average assets | 3.3046% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4836% | 1,241 |
| Return on assets (ROA) | 1.4856% | 1,234 |
| Pretax return on assets | 1.8335% | 936 |
| Return on Equity (ROE) | 10.5704% | 2,362 |
| Retained earnings to average equity (ytd only) | 10.5704% | 751 |
| Net charge-offs to loans | -0.0205% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3468% | 3,123 |
| Assets per employee ($millions) | 4.9154% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,701 |
| Loan loss allowance to noncurrent loans | 148.8579% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6837% | 2,151 |
| Noncurrent loans to loans | 0.9404% | 1,805 |
| Net loans and leases to total assets | 68.4838% | 2,869 |
| Net loans and leases to deposits | 81.6448% | 2,862 |
| Net loans and leases to core deposits | 94.2924% | 2,256 |
| Total domestic deposits to total assets | 83.8801% | 2,985 |
| Equity capital to assets | 14.3599% | 865 |
| Core capital (leverage) ratio | 14.8665% | 731 |
| Tier 1 risk-based capital ratio | 18.4810% | 1,675 |
| Total risk-based capital ratio | 19.7295% | 1,634 |
| Memoranda: | ||
| Average total assets | $1,022,885,500 | 748 |
| Average earning assets | $964,145,750 | 729 |
| Average equity | $143,756,250 | 599 |
| Average total loans | $697,427,250 | 790 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 2,834 |
| Cost of funding earning assets | 0.3769% | 3,897 |
| Net interest margin | 3.9040% | 2,188 |
| Noninterest income to average assets | 1.4074% | 479 |
| Noninterest expense to average assets | 3.1458% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5719% | 985 |
| Return on assets (ROA) | 1.5749% | 979 |
| Pretax return on assets | 1.9440% | 697 |
| Return on Equity (ROE) | 11.2888% | 1,996 |
| Retained earnings to average equity (ytd only) | 11.2888% | 620 |
| Net charge-offs to loans | -0.0153% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8517% | 3,642 |
| Assets per employee ($millions) | 4.6845% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,653 |
| Loan loss allowance to noncurrent loans | 143.1460% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 1,946 |
| Noncurrent loans to loans | 0.9977% | 1,753 |
| Net loans and leases to total assets | 69.7072% | 2,625 |
| Net loans and leases to deposits | 83.0176% | 2,651 |
| Net loans and leases to core deposits | 95.9220% | 2,061 |
| Total domestic deposits to total assets | 83.9667% | 3,078 |
| Equity capital to assets | 14.7114% | 755 |
| Core capital (leverage) ratio | 14.6321% | 747 |
| Tier 1 risk-based capital ratio | 18.3570% | 1,711 |
| Total risk-based capital ratio | 19.6072% | 1,674 |
| Memoranda: | ||
| Average total assets | $1,019,767,670 | 751 |
| Average earning assets | $960,912,330 | 734 |
| Average equity | $142,265,330 | 600 |
| Average total loans | $690,919,000 | 797 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 3,127 |
| Cost of funding earning assets | 0.3629% | 3,893 |
| Net interest margin | 3.7678% | 2,558 |
| Noninterest income to average assets | 1.2899% | 558 |
| Noninterest expense to average assets | 2.9893% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4954% | 1,093 |
| Return on assets (ROA) | 1.4954% | 1,101 |
| Pretax return on assets | 1.8462% | 834 |
| Return on Equity (ROE) | 11.0055% | 1,966 |
| Retained earnings to average equity (ytd only) | 11.0055% | 897 |
| Net charge-offs to loans | -0.0227% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8199% | 3,819 |
| Assets per employee ($millions) | 5.1491% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 1,687 |
| Loan loss allowance to noncurrent loans | 94.7534% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0802% | 1,445 |
| Noncurrent loans to loans | 1.5207% | 1,157 |
| Net loans and leases to total assets | 66.2133% | 3,001 |
| Net loans and leases to deposits | 77.6195% | 3,055 |
| Net loans and leases to core deposits | 89.5336% | 2,491 |
| Total domestic deposits to total assets | 85.3049% | 2,826 |
| Equity capital to assets | 13.7657% | 960 |
| Core capital (leverage) ratio | 14.1669% | 839 |
| Tier 1 risk-based capital ratio | 18.1004% | 1,804 |
| Total risk-based capital ratio | 19.3506% | 1,756 |
| Memoranda: | ||
| Average total assets | $1,035,442,000 | 744 |
| Average earning assets | $974,367,500 | 729 |
| Average equity | $140,693,000 | 614 |
| Average total loans | $686,887,500 | 800 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 2,810 |
| Cost of funding earning assets | 0.2967% | 4,170 |
| Net interest margin | 3.8712% | 2,183 |
| Noninterest income to average assets | 1.3822% | 550 |
| Noninterest expense to average assets | 3.2739% | 1,425 |
| Loan and lease loss provision to assets | 0.0756% | 2,683 |
| Net operating income to assets | 1.0097% | 2,197 |
| Return on assets (ROA) | 1.0284% | 2,158 |
| Pretax return on assets | 1.6786% | 1,061 |
| Return on Equity (ROE) | 7.5505% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.5505% | 907 |
| Net charge-offs to loans | -0.0452% | 5,159 |
| Credit loss provision to net charge-offs | -255.9727% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4928% | 3,340 |
| Assets per employee ($millions) | 5.1538% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 1,563 |
| Loan loss allowance to noncurrent loans | 90.9924% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 1,349 |
| Noncurrent loans to loans | 1.6003% | 1,049 |
| Net loans and leases to total assets | 64.5492% | 3,291 |
| Net loans and leases to deposits | 75.4723% | 3,379 |
| Net loans and leases to core deposits | 86.7092% | 2,857 |
| Total domestic deposits to total assets | 85.5270% | 2,647 |
| Equity capital to assets | 13.4117% | 1,094 |
| Core capital (leverage) ratio | 13.6872% | 914 |
| Tier 1 risk-based capital ratio | 17.6132% | 1,917 |
| Total risk-based capital ratio | 18.8635% | 1,863 |
| Memoranda: | ||
| Average total assets | $991,786,400 | 746 |
| Average earning assets | $926,597,600 | 735 |
| Average equity | $135,090,800 | 609 |
| Average total loans | $648,142,600 | 810 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 2,978 |
| Cost of funding earning assets | 0.2749% | 4,360 |
| Net interest margin | 3.8266% | 2,298 |
| Noninterest income to average assets | 1.2954% | 636 |
| Noninterest expense to average assets | 3.1749% | 1,621 |
| Loan and lease loss provision to assets | 0.1021% | 2,067 |
| Net operating income to assets | 1.1553% | 1,857 |
| Return on assets (ROA) | 1.1837% | 1,803 |
| Pretax return on assets | 1.6351% | 1,295 |
| Return on Equity (ROE) | 8.6553% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.6553% | 962 |
| Net charge-offs to loans | -0.0734% | 5,290 |
| Credit loss provision to net charge-offs | -213.0682% | 4,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1571% | 3,349 |
| Assets per employee ($millions) | 4.9720% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 1,558 |
| Loan loss allowance to noncurrent loans | 92.0391% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.2058% | 1,364 |
| Noncurrent loans to loans | 1.6214% | 1,129 |
| Net loans and leases to total assets | 65.9776% | 3,107 |
| Net loans and leases to deposits | 77.9265% | 3,173 |
| Net loans and leases to core deposits | 90.0561% | 2,605 |
| Total domestic deposits to total assets | 84.6665% | 2,854 |
| Equity capital to assets | 13.9206% | 1,018 |
| Core capital (leverage) ratio | 14.0055% | 887 |
| Tier 1 risk-based capital ratio | 17.6930% | 1,949 |
| Total risk-based capital ratio | 18.9436% | 1,886 |
| Memoranda: | ||
| Average total assets | $979,465,000 | 758 |
| Average earning assets | $915,635,750 | 747 |
| Average equity | $133,957,250 | 616 |
| Average total loans | $639,694,750 | 823 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 2,972 |
| Cost of funding earning assets | 0.2433% | 4,608 |
| Net interest margin | 3.8172% | 2,224 |
| Noninterest income to average assets | 1.2972% | 617 |
| Noninterest expense to average assets | 3.1800% | 1,626 |
| Loan and lease loss provision to assets | 0.1542% | 1,302 |
| Net operating income to assets | 1.1065% | 1,941 |
| Return on assets (ROA) | 1.1500% | 1,830 |
| Pretax return on assets | 1.5840% | 1,395 |
| Return on Equity (ROE) | 8.4606% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.4606% | 1,007 |
| Net charge-offs to loans | -0.1083% | 5,434 |
| Credit loss provision to net charge-offs | -219.9413% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4509% | 3,444 |
| Assets per employee ($millions) | 4.7887% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 1,426 |
| Loan loss allowance to noncurrent loans | 90.0379% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.3496% | 1,190 |
| Noncurrent loans to loans | 1.7121% | 1,064 |
| Net loans and leases to total assets | 65.5571% | 3,174 |
| Net loans and leases to deposits | 77.4406% | 3,167 |
| Net loans and leases to core deposits | 87.2668% | 2,775 |
| Total domestic deposits to total assets | 84.6546% | 2,958 |
| Equity capital to assets | 13.9986% | 965 |
| Core capital (leverage) ratio | 13.9100% | 888 |
| Tier 1 risk-based capital ratio | 17.5184% | 2,005 |
| Total risk-based capital ratio | 18.7692% | 1,954 |
| Memoranda: | ||
| Average total assets | $972,829,670 | 770 |
| Average earning assets | $907,625,000 | 755 |
| Average equity | $132,237,000 | 623 |
| Average total loans | $629,809,670 | 839 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,003 |
| Cost of funding earning assets | 0.2097% | 4,888 |
| Net interest margin | 3.7997% | 2,115 |
| Noninterest income to average assets | 1.2824% | 621 |
| Noninterest expense to average assets | 3.1628% | 1,712 |
| Loan and lease loss provision to assets | 0.1850% | 920 |
| Net operating income to assets | 1.0839% | 1,937 |
| Return on assets (ROA) | 1.0839% | 1,979 |
| Pretax return on assets | 1.4788% | 1,609 |
| Return on Equity (ROE) | 8.0942% | 2,875 |
| Retained earnings to average equity (ytd only) | 8.0942% | 1,423 |
| Net charge-offs to loans | -0.0547% | 5,226 |
| Credit loss provision to net charge-offs | -529.4118% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5284% | 3,571 |
| Assets per employee ($millions) | 4.7912% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,766 |
| Loan loss allowance to noncurrent loans | 41.7938% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 2.5172% | 454 |
| Noncurrent loans to loans | 3.5423% | 337 |
| Net loans and leases to total assets | 63.2205% | 3,372 |
| Net loans and leases to deposits | 78.4222% | 2,925 |
| Net loans and leases to core deposits | 85.6229% | 2,755 |
| Total domestic deposits to total assets | 80.6156% | 4,499 |
| Equity capital to assets | 13.3132% | 1,140 |
| Core capital (leverage) ratio | 13.5729% | 954 |
| Tier 1 risk-based capital ratio | 17.1042% | 2,147 |
| Total risk-based capital ratio | 18.3506% | 2,100 |
| Memoranda: | ||
| Average total assets | $973,192,500 | 776 |
| Average earning assets | $907,758,000 | 761 |
| Average equity | $130,315,000 | 628 |
| Average total loans | $621,084,000 | 848 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6170% | 4,468 |
| Cost of funding earning assets | 0.1796% | 5,219 |
| Net interest margin | 3.4374% | 3,678 |
| Noninterest income to average assets | 1.2293% | 754 |
| Noninterest expense to average assets | 3.0165% | 2,299 |
| Loan and lease loss provision to assets | 0.2224% | 984 |
| Net operating income to assets | 0.9263% | 2,699 |
| Return on assets (ROA) | 1.0783% | 2,097 |
| Pretax return on assets | 1.4573% | 1,728 |
| Return on Equity (ROE) | 8.6430% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.6430% | 658 |
| Net charge-offs to loans | 0.1741% | 1,573 |
| Credit loss provision to net charge-offs | 228.4264% | 1,256 |
| Earnings coverage of net charge-offs (x) | 15.1401% | 2,230 |
| Efficiency ratio | 67.1715% | 3,407 |
| Assets per employee ($millions) | 4.6794% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 1,806 |
| Loan loss allowance to noncurrent loans | 38.5085% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.6168% | 442 |
| Noncurrent loans to loans | 3.8099% | 292 |
| Net loans and leases to total assets | 62.5233% | 3,542 |
| Net loans and leases to deposits | 73.7685% | 3,539 |
| Net loans and leases to core deposits | 79.4652% | 3,441 |
| Total domestic deposits to total assets | 84.7561% | 3,151 |
| Equity capital to assets | 13.4707% | 1,062 |
| Core capital (leverage) ratio | 13.1382% | 1,085 |
| Tier 1 risk-based capital ratio | 17.1274% | 2,120 |
| Total risk-based capital ratio | 18.3597% | 2,077 |
| Memoranda: | ||
| Average total assets | $1,011,560,000 | 714 |
| Average earning assets | $959,803,600 | 686 |
| Average equity | $126,206,800 | 634 |
| Average total loans | $565,656,600 | 877 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 4,644 |
| Cost of funding earning assets | 0.1742% | 5,312 |
| Net interest margin | 3.3925% | 3,873 |
| Noninterest income to average assets | 1.2003% | 797 |
| Noninterest expense to average assets | 2.9861% | 2,359 |
| Loan and lease loss provision to assets | 0.2340% | 839 |
| Net operating income to assets | 0.8914% | 2,955 |
| Return on assets (ROA) | 1.0895% | 2,145 |
| Pretax return on assets | 1.4722% | 1,799 |
| Return on Equity (ROE) | 8.8971% | 2,555 |
| Retained earnings to average equity (ytd only) | 8.8971% | 851 |
| Net charge-offs to loans | 0.2054% | 1,141 |
| Credit loss provision to net charge-offs | 210.2804% | 1,393 |
| Earnings coverage of net charge-offs (x) | 12.9300% | 2,347 |
| Efficiency ratio | 67.4872% | 3,317 |
| Assets per employee ($millions) | 4.5349% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 1,907 |
| Loan loss allowance to noncurrent loans | 34.2216% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 2.6271% | 506 |
| Noncurrent loans to loans | 4.2824% | 240 |
| Net loans and leases to total assets | 59.6251% | 3,927 |
| Net loans and leases to deposits | 71.3108% | 3,856 |
| Net loans and leases to core deposits | 76.7702% | 3,770 |
| Total domestic deposits to total assets | 83.6130% | 3,349 |
| Equity capital to assets | 13.4646% | 1,262 |
| Core capital (leverage) ratio | 12.7719% | 1,282 |
| Tier 1 risk-based capital ratio | 17.8186% | 1,971 |
| Total risk-based capital ratio | 19.0456% | 1,940 |
| Memoranda: | ||
| Average total assets | $1,025,798,500 | 702 |
| Average earning assets | $974,963,500 | 682 |
| Average equity | $125,610,500 | 637 |
| Average total loans | $555,636,250 | 892 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4972% | 4,872 |
| Cost of funding earning assets | 0.1656% | 5,453 |
| Net interest margin | 3.3316% | 4,111 |
| Noninterest income to average assets | 1.1152% | 903 |
| Noninterest expense to average assets | 3.0141% | 2,300 |
| Loan and lease loss provision to assets | 0.2869% | 641 |
| Net operating income to assets | 0.7291% | 3,659 |
| Return on assets (ROA) | 1.0117% | 2,475 |
| Pretax return on assets | 1.3672% | 2,139 |
| Return on Equity (ROE) | 8.5235% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.5235% | 1,003 |
| Net charge-offs to loans | 0.2267% | 1,032 |
| Credit loss provision to net charge-offs | 242.3263% | 1,130 |
| Earnings coverage of net charge-offs (x) | 10.7464% | 2,310 |
| Efficiency ratio | 70.3195% | 2,930 |
| Assets per employee ($millions) | 4.6157% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,979 |
| Loan loss allowance to noncurrent loans | 33.0303% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.6582% | 493 |
| Noncurrent loans to loans | 4.4539% | 237 |
| Net loans and leases to total assets | 56.8513% | 4,219 |
| Net loans and leases to deposits | 67.6310% | 4,215 |
| Net loans and leases to core deposits | 73.5217% | 4,028 |
| Total domestic deposits to total assets | 84.0610% | 3,239 |
| Equity capital to assets | 12.7028% | 1,659 |
| Core capital (leverage) ratio | 12.1807% | 1,519 |
| Tier 1 risk-based capital ratio | 17.3342% | 2,123 |
| Total risk-based capital ratio | 18.5449% | 2,095 |
| Memoranda: | ||
| Average total assets | $1,045,753,330 | 689 |
| Average earning assets | $995,371,670 | 661 |
| Average equity | $124,127,670 | 642 |
| Average total loans | $546,013,330 | 900 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4634% | 4,975 |
| Cost of funding earning assets | 0.1654% | 5,506 |
| Net interest margin | 3.2981% | 4,225 |
| Noninterest income to average assets | 0.9852% | 1,114 |
| Noninterest expense to average assets | 2.9428% | 2,562 |
| Loan and lease loss provision to assets | 0.2809% | 587 |
| Net operating income to assets | 0.6655% | 3,897 |
| Return on assets (ROA) | 1.0938% | 2,026 |
| Pretax return on assets | 1.4781% | 1,662 |
| Return on Equity (ROE) | 9.5288% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.5288% | 973 |
| Net charge-offs to loans | 0.3086% | 701 |
| Credit loss provision to net charge-offs | 183.3741% | 1,139 |
| Earnings coverage of net charge-offs (x) | 7.7042% | 2,124 |
| Efficiency ratio | 71.3728% | 2,890 |
| Assets per employee ($millions) | 4.7869% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 2,088 |
| Loan loss allowance to noncurrent loans | 63.1283% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4051% | 1,477 |
| Noncurrent loans to loans | 2.3369% | 847 |
| Net loans and leases to total assets | 50.9628% | 4,726 |
| Net loans and leases to deposits | 60.0122% | 4,717 |
| Net loans and leases to core deposits | 64.7903% | 4,638 |
| Total domestic deposits to total assets | 84.9207% | 3,157 |
| Equity capital to assets | 11.8963% | 2,094 |
| Core capital (leverage) ratio | 11.3760% | 2,072 |
| Tier 1 risk-based capital ratio | 17.6940% | 2,071 |
| Total risk-based capital ratio | 18.8737% | 2,058 |
| Memoranda: | ||
| Average total assets | $1,067,830,500 | 672 |
| Average earning assets | $1,015,991,500 | 649 |
| Average equity | $122,576,000 | 651 |
| Average total loans | $530,058,000 | 924 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5451% | 4,814 |
| Cost of funding earning assets | 0.1651% | 5,574 |
| Net interest margin | 3.3800% | 3,988 |
| Noninterest income to average assets | 1.1118% | 949 |
| Noninterest expense to average assets | 2.8973% | 2,870 |
| Loan and lease loss provision to assets | 0.0342% | 3,669 |
| Net operating income to assets | 1.0262% | 2,225 |
| Return on assets (ROA) | 1.0523% | 2,205 |
| Pretax return on assets | 1.4221% | 1,816 |
| Return on Equity (ROE) | 9.9814% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.9814% | 460 |
| Net charge-offs to loans | 0.0313% | 3,595 |
| Credit loss provision to net charge-offs | 238.2166% | 1,197 |
| Earnings coverage of net charge-offs (x) | 98.8662% | 581 |
| Efficiency ratio | 67.0935% | 3,731 |
| Assets per employee ($millions) | 4.8539% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 2,158 |
| Loan loss allowance to noncurrent loans | 56.5724% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4119% | 1,483 |
| Noncurrent loans to loans | 2.5893% | 692 |
| Net loans and leases to total assets | 46.9466% | 5,096 |
| Net loans and leases to deposits | 54.7589% | 5,119 |
| Net loans and leases to core deposits | 58.6554% | 5,071 |
| Total domestic deposits to total assets | 85.7334% | 2,757 |
| Equity capital to assets | 11.0802% | 2,743 |
| Core capital (leverage) ratio | 10.5785% | 2,845 |
| Tier 1 risk-based capital ratio | 17.5152% | 2,118 |
| Total risk-based capital ratio | 18.6627% | 2,105 |
| Memoranda: | ||
| Average total assets | $1,092,345,200 | 642 |
| Average earning assets | $1,036,236,200 | 624 |
| Average equity | $115,164,600 | 666 |
| Average total loans | $500,848,200 | 937 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5651% | 4,835 |
| Cost of funding earning assets | 0.1647% | 5,667 |
| Net interest margin | 3.4004% | 3,958 |
| Noninterest income to average assets | 1.0886% | 1,015 |
| Noninterest expense to average assets | 2.8500% | 3,007 |
| Loan and lease loss provision to assets | 0.0488% | 3,233 |
| Net operating income to assets | 1.0400% | 2,273 |
| Return on assets (ROA) | 1.0632% | 2,253 |
| Pretax return on assets | 1.4368% | 1,880 |
| Return on Equity (ROE) | 10.2146% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.2146% | 600 |
| Net charge-offs to loans | 0.0089% | 3,851 |
| Credit loss provision to net charge-offs | 1,212.1212% | 315 |
| Earnings coverage of net charge-offs (x) | 361.0516% | 206 |
| Efficiency ratio | 66.2139% | 3,860 |
| Assets per employee ($millions) | 4.9859% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 1,857 |
| Loan loss allowance to noncurrent loans | 47.3354% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 1.5874% | 1,404 |
| Noncurrent loans to loans | 3.3369% | 488 |
| Net loans and leases to total assets | 43.3600% | 5,397 |
| Net loans and leases to deposits | 50.3048% | 5,460 |
| Net loans and leases to core deposits | 53.7315% | 5,419 |
| Total domestic deposits to total assets | 86.1946% | 2,444 |
| Equity capital to assets | 10.5965% | 3,482 |
| Core capital (leverage) ratio | 10.3368% | 3,212 |
| Tier 1 risk-based capital ratio | 17.6502% | 2,140 |
| Total risk-based capital ratio | 18.8271% | 2,122 |
| Memoranda: | ||
| Average total assets | $1,092,399,750 | 648 |
| Average earning assets | $1,033,057,000 | 631 |
| Average equity | $113,703,250 | 681 |
| Average total loans | $495,975,500 | 948 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 5,133 |
| Cost of funding earning assets | 0.1675% | 5,716 |
| Net interest margin | 3.2741% | 4,401 |
| Noninterest income to average assets | 1.0488% | 1,077 |
| Noninterest expense to average assets | 2.8886% | 2,935 |
| Loan and lease loss provision to assets | 0.1660% | 1,264 |
| Net operating income to assets | 0.8045% | 3,363 |
| Return on assets (ROA) | 0.8373% | 3,298 |
| Pretax return on assets | 1.1315% | 3,045 |
| Return on Equity (ROE) | 8.0941% | 2,993 |
| Retained earnings to average equity (ytd only) | 8.0941% | 1,225 |
| Net charge-offs to loans | 0.2292% | 1,125 |
| Credit loss provision to net charge-offs | 157.8947% | 1,480 |
| Earnings coverage of net charge-offs (x) | 11.9193% | 2,251 |
| Efficiency ratio | 69.7426% | 3,370 |
| Assets per employee ($millions) | 4.9382% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,980 |
| Loan loss allowance to noncurrent loans | 122.3892% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 3,398 |
| Noncurrent loans to loans | 1.2885% | 2,093 |
| Net loans and leases to total assets | 43.6436% | 5,399 |
| Net loans and leases to deposits | 50.4865% | 5,479 |
| Net loans and leases to core deposits | 53.6143% | 5,444 |
| Total domestic deposits to total assets | 86.4461% | 2,463 |
| Equity capital to assets | 10.2283% | 3,777 |
| Core capital (leverage) ratio | 10.0525% | 3,528 |
| Tier 1 risk-based capital ratio | 18.7166% | 1,870 |
| Total risk-based capital ratio | 19.9671% | 1,834 |
| Memoranda: | ||
| Average total assets | $1,084,249,330 | 652 |
| Average earning assets | $1,024,270,670 | 635 |
| Average equity | $112,155,330 | 693 |
| Average total loans | $497,287,670 | 945 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,918 |
| Cost of funding earning assets | 0.1712% | 5,757 |
| Net interest margin | 3.3431% | 4,048 |
| Noninterest income to average assets | 1.1095% | 923 |
| Noninterest expense to average assets | 3.0437% | 2,440 |
| Loan and lease loss provision to assets | 0.3131% | 443 |
| Net operating income to assets | 0.6736% | 3,927 |
| Return on assets (ROA) | 0.6731% | 4,054 |
| Pretax return on assets | 0.9097% | 3,850 |
| Return on Equity (ROE) | 6.4695% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.4695% | 2,251 |
| Net charge-offs to loans | 0.5377% | 463 |
| Credit loss provision to net charge-offs | 124.8143% | 1,413 |
| Earnings coverage of net charge-offs (x) | 4.8782% | 2,440 |
| Efficiency ratio | 71.3275% | 3,278 |
| Assets per employee ($millions) | 4.8651% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 2,419 |
| Loan loss allowance to noncurrent loans | 115.9749% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 3,394 |
| Noncurrent loans to loans | 1.2985% | 2,214 |
| Net loans and leases to total assets | 45.2435% | 5,250 |
| Net loans and leases to deposits | 52.1182% | 5,324 |
| Net loans and leases to core deposits | 55.4573% | 5,284 |
| Total domestic deposits to total assets | 86.8092% | 2,481 |
| Equity capital to assets | 10.3108% | 3,762 |
| Core capital (leverage) ratio | 10.2437% | 3,287 |
| Tier 1 risk-based capital ratio | 18.0614% | 2,120 |
| Total risk-based capital ratio | 19.3087% | 2,071 |
| Memoranda: | ||
| Average total assets | $1,073,296,500 | 660 |
| Average earning assets | $1,013,797,000 | 634 |
| Average equity | $111,662,500 | 694 |
| Average total loans | $500,681,000 | 940 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 4,672 |
| Cost of funding earning assets | 0.1970% | 5,772 |
| Net interest margin | 3.5446% | 3,621 |
| Noninterest income to average assets | 1.1009% | 1,004 |
| Noninterest expense to average assets | 3.0239% | 2,773 |
| Loan and lease loss provision to assets | 0.2793% | 759 |
| Net operating income to assets | 0.8219% | 3,273 |
| Return on assets (ROA) | 0.8480% | 3,224 |
| Pretax return on assets | 1.1407% | 2,918 |
| Return on Equity (ROE) | 8.1085% | 3,074 |
| Retained earnings to average equity (ytd only) | 8.1085% | 984 |
| Net charge-offs to loans | 0.3917% | 1,092 |
| Credit loss provision to net charge-offs | 150.6024% | 1,604 |
| Earnings coverage of net charge-offs (x) | 7.4666% | 3,028 |
| Efficiency ratio | 68.5903% | 3,793 |
| Assets per employee ($millions) | 4.5937% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 2,547 |
| Loan loss allowance to noncurrent loans | 114.9131% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 3,470 |
| Noncurrent loans to loans | 1.2926% | 2,290 |
| Net loans and leases to total assets | 46.6876% | 5,270 |
| Net loans and leases to deposits | 54.4484% | 5,298 |
| Net loans and leases to core deposits | 57.4473% | 5,285 |
| Total domestic deposits to total assets | 85.7466% | 2,966 |
| Equity capital to assets | 10.5004% | 3,480 |
| Core capital (leverage) ratio | 10.3779% | 3,080 |
| Tier 1 risk-based capital ratio | 17.8752% | 2,181 |
| Total risk-based capital ratio | 19.1025% | 2,151 |
| Memoranda: | ||
| Average total assets | $984,590,000 | 686 |
| Average earning assets | $918,813,600 | 665 |
| Average equity | $102,966,600 | 710 |
| Average total loans | $466,228,000 | 952 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7619% | 4,675 |
| Cost of funding earning assets | 0.2043% | 5,785 |
| Net interest margin | 3.5576% | 3,600 |
| Noninterest income to average assets | 1.1103% | 987 |
| Noninterest expense to average assets | 3.1084% | 2,445 |
| Loan and lease loss provision to assets | 0.3513% | 501 |
| Net operating income to assets | 0.6714% | 4,100 |
| Return on assets (ROA) | 0.6791% | 4,140 |
| Pretax return on assets | 0.9701% | 3,716 |
| Return on Equity (ROE) | 6.5008% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.5008% | 2,103 |
| Net charge-offs to loans | 0.5186% | 742 |
| Credit loss provision to net charge-offs | 143.0976% | 1,644 |
| Earnings coverage of net charge-offs (x) | 5.3373% | 3,289 |
| Efficiency ratio | 70.3458% | 3,448 |
| Assets per employee ($millions) | 4.2366% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 2,806 |
| Loan loss allowance to noncurrent loans | 120.0364% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 3,394 |
| Noncurrent loans to loans | 1.2362% | 2,571 |
| Net loans and leases to total assets | 48.3391% | 5,175 |
| Net loans and leases to deposits | 55.6146% | 5,270 |
| Net loans and leases to core deposits | 59.4910% | 5,228 |
| Total domestic deposits to total assets | 86.9181% | 2,366 |
| Equity capital to assets | 10.6468% | 3,373 |
| Core capital (leverage) ratio | 10.4798% | 3,067 |
| Tier 1 risk-based capital ratio | 17.8591% | 2,255 |
| Total risk-based capital ratio | 19.0988% | 2,220 |
| Memoranda: | ||
| Average total assets | $967,748,750 | 692 |
| Average earning assets | $899,985,250 | 677 |
| Average equity | $101,093,500 | 723 |
| Average total loans | $458,150,500 | 968 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7607% | 4,653 |
| Cost of funding earning assets | 0.2091% | 5,836 |
| Net interest margin | 3.5516% | 3,568 |
| Noninterest income to average assets | 1.1030% | 971 |
| Noninterest expense to average assets | 3.1052% | 2,477 |
| Loan and lease loss provision to assets | 0.4695% | 330 |
| Net operating income to assets | 0.5720% | 4,492 |
| Return on assets (ROA) | 0.5836% | 4,531 |
| Pretax return on assets | 0.8336% | 4,145 |
| Return on Equity (ROE) | 5.6245% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.6245% | 2,562 |
| Net charge-offs to loans | 0.7834% | 484 |
| Credit loss provision to net charge-offs | 128.2051% | 1,625 |
| Earnings coverage of net charge-offs (x) | 3.5128% | 3,286 |
| Efficiency ratio | 70.7070% | 3,535 |
| Assets per employee ($millions) | 4.0560% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 2,798 |
| Loan loss allowance to noncurrent loans | 108.6604% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9200% | 3,249 |
| Noncurrent loans to loans | 1.4001% | 2,460 |
| Net loans and leases to total assets | 46.7780% | 5,289 |
| Net loans and leases to deposits | 54.2964% | 5,333 |
| Net loans and leases to core deposits | 57.8942% | 5,281 |
| Total domestic deposits to total assets | 86.1531% | 2,967 |
| Equity capital to assets | 10.7129% | 3,187 |
| Core capital (leverage) ratio | 10.8046% | 2,618 |
| Tier 1 risk-based capital ratio | 18.2120% | 2,163 |
| Total risk-based capital ratio | 19.4540% | 2,130 |
| Memoranda: | ||
| Average total assets | $958,461,000 | 701 |
| Average earning assets | $887,498,330 | 688 |
| Average equity | $99,457,670 | 732 |
| Average total loans | $448,027,670 | 982 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 4,506 |
| Cost of funding earning assets | 0.2142% | 5,890 |
| Net interest margin | 3.5799% | 3,335 |
| Noninterest income to average assets | 1.0680% | 978 |
| Noninterest expense to average assets | 3.1262% | 2,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8721% | 2,779 |
| Return on assets (ROA) | 0.8724% | 2,850 |
| Pretax return on assets | 1.2460% | 2,296 |
| Return on Equity (ROE) | 8.5474% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.5474% | 1,404 |
| Net charge-offs to loans | -0.2584% | 6,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5080% | 3,579 |
| Assets per employee ($millions) | 4.0770% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 3,186 |
| Loan loss allowance to noncurrent loans | 142.6433% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 3,868 |
| Noncurrent loans to loans | 1.0440% | 3,337 |
| Net loans and leases to total assets | 46.7206% | 5,253 |
| Net loans and leases to deposits | 53.6984% | 5,316 |
| Net loans and leases to core deposits | 57.2270% | 5,267 |
| Total domestic deposits to total assets | 87.0057% | 2,806 |
| Equity capital to assets | 10.3926% | 3,350 |
| Core capital (leverage) ratio | 10.6172% | 2,790 |
| Tier 1 risk-based capital ratio | 17.9858% | 2,303 |
| Total risk-based capital ratio | 19.1840% | 2,302 |
| Memoranda: | ||
| Average total assets | $955,032,000 | 712 |
| Average earning assets | $881,364,500 | 697 |
| Average equity | $97,479,500 | 751 |
| Average total loans | $442,775,000 | 997 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,875 |
| Cost of funding earning assets | 0.2649% | 5,872 |
| Net interest margin | 3.5159% | 3,826 |
| Noninterest income to average assets | 1.1301% | 1,098 |
| Noninterest expense to average assets | 3.8415% | 1,072 |
| Loan and lease loss provision to assets | 0.0536% | 4,071 |
| Net operating income to assets | 0.4122% | 5,107 |
| Return on assets (ROA) | 0.4522% | 5,072 |
| Pretax return on assets | 0.5169% | 5,153 |
| Return on Equity (ROE) | 4.5467% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.5467% | 2,927 |
| Net charge-offs to loans | 0.1304% | 3,509 |
| Credit loss provision to net charge-offs | 89.4454% | 2,780 |
| Earnings coverage of net charge-offs (x) | 8.7567% | 2,616 |
| Efficiency ratio | 87.9848% | 1,217 |
| Assets per employee ($millions) | 4.0682% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 3,171 |
| Loan loss allowance to noncurrent loans | 131.1943% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 3,905 |
| Noncurrent loans to loans | 1.1458% | 3,250 |
| Net loans and leases to total assets | 44.6100% | 5,617 |
| Net loans and leases to deposits | 51.1628% | 5,682 |
| Net loans and leases to core deposits | 54.4379% | 5,643 |
| Total domestic deposits to total assets | 87.1924% | 2,627 |
| Equity capital to assets | 10.0201% | 3,744 |
| Core capital (leverage) ratio | 10.6113% | 2,770 |
| Tier 1 risk-based capital ratio | 18.2959% | 2,146 |
| Total risk-based capital ratio | 19.4877% | 2,130 |
| Memoranda: | ||
| Average total assets | $933,097,000 | 709 |
| Average earning assets | $858,815,000 | 695 |
| Average equity | $92,792,200 | 755 |
| Average total loans | $428,828,400 | 1,001 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 4,941 |
| Cost of funding earning assets | 0.2734% | 5,937 |
| Net interest margin | 3.5023% | 3,873 |
| Noninterest income to average assets | 1.0899% | 1,230 |
| Noninterest expense to average assets | 3.3244% | 2,017 |
| Loan and lease loss provision to assets | 0.0336% | 4,349 |
| Net operating income to assets | 0.6848% | 3,931 |
| Return on assets (ROA) | 0.7293% | 3,832 |
| Pretax return on assets | 1.0149% | 3,451 |
| Return on Equity (ROE) | 7.3478% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.3478% | 1,709 |
| Net charge-offs to loans | -0.0100% | 5,892 |
| Credit loss provision to net charge-offs | -731.2500% | 6,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1112% | 2,541 |
| Assets per employee ($millions) | 3.9126% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 2,945 |
| Loan loss allowance to noncurrent loans | 56.9016% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 1.4195% | 2,829 |
| Noncurrent loans to loans | 2.8361% | 1,463 |
| Net loans and leases to total assets | 44.1873% | 5,710 |
| Net loans and leases to deposits | 52.9437% | 5,634 |
| Net loans and leases to core deposits | 56.7618% | 5,555 |
| Total domestic deposits to total assets | 83.4610% | 4,394 |
| Equity capital to assets | 9.5155% | 4,535 |
| Core capital (leverage) ratio | 10.8442% | 2,626 |
| Tier 1 risk-based capital ratio | 18.7277% | 2,070 |
| Total risk-based capital ratio | 19.9781% | 2,041 |
| Memoranda: | ||
| Average total assets | $928,380,000 | 715 |
| Average earning assets | $853,905,250 | 702 |
| Average equity | $92,143,250 | 765 |
| Average total loans | $428,247,250 | 1,002 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8381% | 4,699 |
| Cost of funding earning assets | 0.2738% | 6,027 |
| Net interest margin | 3.5643% | 3,507 |
| Noninterest income to average assets | 1.0800% | 1,310 |
| Noninterest expense to average assets | 3.3009% | 2,070 |
| Loan and lease loss provision to assets | 0.0433% | 4,095 |
| Net operating income to assets | 0.6683% | 3,977 |
| Return on assets (ROA) | 0.7296% | 3,837 |
| Pretax return on assets | 1.1055% | 3,075 |
| Return on Equity (ROE) | 7.2502% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.2502% | 1,770 |
| Net charge-offs to loans | 0.0302% | 4,267 |
| Credit loss provision to net charge-offs | 307.6923% | 836 |
| Earnings coverage of net charge-offs (x) | 75.1077% | 604 |
| Efficiency ratio | 75.7669% | 2,820 |
| Assets per employee ($millions) | 3.5786% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 3,293 |
| Loan loss allowance to noncurrent loans | 86.6883% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 3,919 |
| Noncurrent loans to loans | 1.8071% | 2,631 |
| Net loans and leases to total assets | 45.2522% | 5,611 |
| Net loans and leases to deposits | 52.0526% | 5,687 |
| Net loans and leases to core deposits | 55.6321% | 5,627 |
| Total domestic deposits to total assets | 86.9356% | 2,855 |
| Equity capital to assets | 9.7152% | 4,286 |
| Core capital (leverage) ratio | 10.8709% | 2,480 |
| Tier 1 risk-based capital ratio | 18.3644% | 2,189 |
| Total risk-based capital ratio | 19.6070% | 2,155 |
| Memoranda: | ||
| Average total assets | $924,831,670 | 719 |
| Average earning assets | $850,213,000 | 703 |
| Average equity | $93,073,330 | 755 |
| Average total loans | $430,417,670 | 987 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 4,511 |
| Cost of funding earning assets | 0.2833% | 6,083 |
| Net interest margin | 3.6067% | 3,231 |
| Noninterest income to average assets | 1.0872% | 1,247 |
| Noninterest expense to average assets | 3.5046% | 1,612 |
| Loan and lease loss provision to assets | 0.0433% | 3,878 |
| Net operating income to assets | 0.5550% | 4,431 |
| Return on assets (ROA) | 0.6776% | 3,950 |
| Pretax return on assets | 1.0266% | 3,233 |
| Return on Equity (ROE) | 6.6183% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.6183% | 2,356 |
| Net charge-offs to loans | 0.0203% | 3,752 |
| Credit loss provision to net charge-offs | 454.5455% | 579 |
| Earnings coverage of net charge-offs (x) | 92.8182% | 413 |
| Efficiency ratio | 79.8540% | 2,355 |
| Assets per employee ($millions) | 3.4043% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 3,768 |
| Loan loss allowance to noncurrent loans | 88.9875% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 4,035 |
| Noncurrent loans to loans | 1.6998% | 2,995 |
| Net loans and leases to total assets | 47.4076% | 5,293 |
| Net loans and leases to deposits | 55.2125% | 5,330 |
| Net loans and leases to core deposits | 58.8177% | 5,263 |
| Total domestic deposits to total assets | 85.8638% | 3,606 |
| Equity capital to assets | 10.3865% | 3,690 |
| Core capital (leverage) ratio | 10.5848% | 2,670 |
| Tier 1 risk-based capital ratio | 17.9386% | 2,396 |
| Total risk-based capital ratio | 19.1644% | 2,365 |
| Memoranda: | ||
| Average total assets | $923,815,000 | 725 |
| Average earning assets | $845,650,000 | 716 |
| Average equity | $94,586,500 | 758 |
| Average total loans | $432,575,500 | 990 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 4,233 |
| Cost of funding earning assets | 0.3669% | 6,122 |
| Net interest margin | 3.9212% | 2,738 |
| Noninterest income to average assets | 1.2445% | 1,004 |
| Noninterest expense to average assets | 3.5461% | 1,728 |
| Loan and lease loss provision to assets | 0.0448% | 5,284 |
| Net operating income to assets | 0.7831% | 3,358 |
| Return on assets (ROA) | 0.7902% | 3,579 |
| Pretax return on assets | 1.1971% | 2,816 |
| Return on Equity (ROE) | 7.5983% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.5983% | 1,280 |
| Net charge-offs to loans | 0.0615% | 5,084 |
| Credit loss provision to net charge-offs | 150.9434% | 1,806 |
| Earnings coverage of net charge-offs (x) | 41.4453% | 775 |
| Efficiency ratio | 74.2286% | 3,033 |
| Assets per employee ($millions) | 3.4134% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 3,621 |
| Loan loss allowance to noncurrent loans | 53.7431% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.3514% | 3,375 |
| Noncurrent loans to loans | 2.8457% | 1,846 |
| Net loans and leases to total assets | 44.8589% | 5,743 |
| Net loans and leases to deposits | 51.9705% | 5,809 |
| Net loans and leases to core deposits | 55.2561% | 5,773 |
| Total domestic deposits to total assets | 86.3161% | 3,193 |
| Equity capital to assets | 10.0956% | 4,042 |
| Core capital (leverage) ratio | 10.7917% | 2,451 |
| Tier 1 risk-based capital ratio | 17.7017% | 2,382 |
| Total risk-based capital ratio | 18.9168% | 2,359 |
| Memoranda: | ||
| Average total assets | $892,073,200 | 736 |
| Average earning assets | $803,712,200 | 743 |
| Average equity | $92,771,200 | 756 |
| Average total loans | $430,643,600 | 969 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 4,172 |
| Cost of funding earning assets | 0.3930% | 6,157 |
| Net interest margin | 3.9763% | 2,597 |
| Noninterest income to average assets | 1.2692% | 916 |
| Noninterest expense to average assets | 3.6212% | 1,521 |
| Loan and lease loss provision to assets | 0.0454% | 5,205 |
| Net operating income to assets | 0.7772% | 3,561 |
| Return on assets (ROA) | 0.7854% | 3,768 |
| Pretax return on assets | 1.1900% | 3,023 |
| Return on Equity (ROE) | 7.4936% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.4936% | 1,855 |
| Net charge-offs to loans | 0.0652% | 4,769 |
| Credit loss provision to net charge-offs | 142.1801% | 2,030 |
| Earnings coverage of net charge-offs (x) | 38.2744% | 916 |
| Efficiency ratio | 74.7530% | 2,867 |
| Assets per employee ($millions) | 3.1314% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 3,896 |
| Loan loss allowance to noncurrent loans | 52.3583% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 1.4798% | 3,382 |
| Noncurrent loans to loans | 2.8893% | 1,934 |
| Net loans and leases to total assets | 48.0472% | 5,540 |
| Net loans and leases to deposits | 56.6477% | 5,573 |
| Net loans and leases to core deposits | 60.8528% | 5,470 |
| Total domestic deposits to total assets | 84.8177% | 3,830 |
| Equity capital to assets | 10.8908% | 3,392 |
| Core capital (leverage) ratio | 10.4558% | 2,972 |
| Tier 1 risk-based capital ratio | 17.5760% | 2,507 |
| Total risk-based capital ratio | 18.7979% | 2,489 |
| Memoranda: | ||
| Average total assets | $880,419,750 | 752 |
| Average earning assets | $791,562,750 | 756 |
| Average equity | $92,272,500 | 765 |
| Average total loans | $431,398,250 | 976 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 4,407 |
| Cost of funding earning assets | 0.4037% | 6,243 |
| Net interest margin | 3.9383% | 2,754 |
| Noninterest income to average assets | 1.2451% | 921 |
| Noninterest expense to average assets | 3.5617% | 1,656 |
| Loan and lease loss provision to assets | 0.0454% | 5,103 |
| Net operating income to assets | 0.7763% | 3,481 |
| Return on assets (ROA) | 0.7874% | 3,696 |
| Pretax return on assets | 1.1931% | 2,950 |
| Return on Equity (ROE) | 7.6126% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.6126% | 1,807 |
| Net charge-offs to loans | 0.0347% | 4,897 |
| Credit loss provision to net charge-offs | 266.6667% | 1,080 |
| Earnings coverage of net charge-offs (x) | 71.7200% | 560 |
| Efficiency ratio | 74.4599% | 3,000 |
| Assets per employee ($millions) | 3.1827% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 4,065 |
| Loan loss allowance to noncurrent loans | 50.1575% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 3,408 |
| Noncurrent loans to loans | 2.9669% | 2,009 |
| Net loans and leases to total assets | 48.3349% | 5,585 |
| Net loans and leases to deposits | 56.0637% | 5,637 |
| Net loans and leases to core deposits | 60.2172% | 5,564 |
| Total domestic deposits to total assets | 86.2142% | 3,240 |
| Equity capital to assets | 10.3457% | 3,891 |
| Core capital (leverage) ratio | 10.3616% | 2,969 |
| Tier 1 risk-based capital ratio | 16.9994% | 2,664 |
| Total risk-based capital ratio | 18.2101% | 2,648 |
| Memoranda: | ||
| Average total assets | $880,585,000 | 755 |
| Average earning assets | $791,153,000 | 760 |
| Average equity | $91,086,330 | 767 |
| Average total loans | $432,106,670 | 968 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 4,544 |
| Cost of funding earning assets | 0.4275% | 6,271 |
| Net interest margin | 3.9159% | 2,856 |
| Noninterest income to average assets | 1.2791% | 865 |
| Noninterest expense to average assets | 3.5975% | 1,561 |
| Loan and lease loss provision to assets | 0.0458% | 4,828 |
| Net operating income to assets | 0.7504% | 3,619 |
| Return on assets (ROA) | 0.7504% | 3,857 |
| Pretax return on assets | 1.1372% | 3,173 |
| Return on Equity (ROE) | 7.2548% | 3,628 |
| Retained earnings to average equity (ytd only) | 7.2548% | 2,300 |
| Net charge-offs to loans | 0.0858% | 3,650 |
| Credit loss provision to net charge-offs | 108.6957% | 2,151 |
| Earnings coverage of net charge-offs (x) | 28.0870% | 974 |
| Efficiency ratio | 75.2538% | 2,899 |
| Assets per employee ($millions) | 3.1944% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 4,163 |
| Loan loss allowance to noncurrent loans | 49.3649% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.5668% | 3,515 |
| Noncurrent loans to loans | 3.0342% | 2,131 |
| Net loans and leases to total assets | 47.3194% | 5,643 |
| Net loans and leases to deposits | 54.3539% | 5,776 |
| Net loans and leases to core deposits | 58.1862% | 5,698 |
| Total domestic deposits to total assets | 87.0581% | 2,928 |
| Equity capital to assets | 10.2536% | 3,789 |
| Core capital (leverage) ratio | 10.3207% | 2,968 |
| Tier 1 risk-based capital ratio | 16.8848% | 2,724 |
| Total risk-based capital ratio | 18.0897% | 2,700 |
| Memoranda: | ||
| Average total assets | $873,715,000 | 760 |
| Average earning assets | $781,220,000 | 770 |
| Average equity | $90,367,500 | 770 |
| Average total loans | $428,759,500 | 976 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 5,749 |
| Cost of funding earning assets | 0.7109% | 5,472 |
| Net interest margin | 3.5948% | 4,755 |
| Noninterest income to average assets | 1.3414% | 720 |
| Noninterest expense to average assets | 3.4672% | 2,069 |
| Loan and lease loss provision to assets | 0.0660% | 5,789 |
| Net operating income to assets | 0.6753% | 3,598 |
| Return on assets (ROA) | 0.6959% | 3,697 |
| Pretax return on assets | 1.0545% | 3,019 |
| Return on Equity (ROE) | 7.3877% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.3877% | 1,323 |
| Net charge-offs to loans | 0.1790% | 4,720 |
| Credit loss provision to net charge-offs | 76.4331% | 4,626 |
| Earnings coverage of net charge-offs (x) | 12.6217% | 1,607 |
| Efficiency ratio | 76.0942% | 2,876 |
| Assets per employee ($millions) | 3.1710% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 4,065 |
| Loan loss allowance to noncurrent loans | 71.9178% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 4,182 |
| Noncurrent loans to loans | 2.0742% | 3,105 |
| Net loans and leases to total assets | 49.4016% | 5,672 |
| Net loans and leases to deposits | 59.3807% | 5,561 |
| Net loans and leases to core deposits | 63.9242% | 5,472 |
| Total domestic deposits to total assets | 83.1948% | 4,672 |
| Equity capital to assets | 10.4359% | 3,602 |
| Core capital (leverage) ratio | 10.2480% | 3,033 |
| Tier 1 risk-based capital ratio | 16.9136% | 2,641 |
| Total risk-based capital ratio | 18.1415% | 2,615 |
| Memoranda: | ||
| Average total assets | $909,615,600 | 719 |
| Average earning assets | $813,514,600 | 724 |
| Average equity | $85,682,600 | 783 |
| Average total loans | $438,443,800 | 951 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 5,918 |
| Cost of funding earning assets | 0.7880% | 5,230 |
| Net interest margin | 3.5212% | 5,100 |
| Noninterest income to average assets | 1.3131% | 761 |
| Noninterest expense to average assets | 3.4723% | 2,010 |
| Loan and lease loss provision to assets | 0.0867% | 5,363 |
| Net operating income to assets | 0.6017% | 4,079 |
| Return on assets (ROA) | 0.6256% | 4,162 |
| Pretax return on assets | 0.9482% | 3,594 |
| Return on Equity (ROE) | 6.8123% | 3,604 |
| Retained earnings to average equity (ytd only) | 6.8123% | 2,073 |
| Net charge-offs to loans | 0.2339% | 3,964 |
| Credit loss provision to net charge-offs | 77.6197% | 4,225 |
| Earnings coverage of net charge-offs (x) | 8.9431% | 2,109 |
| Efficiency ratio | 77.6640% | 2,588 |
| Assets per employee ($millions) | 3.2882% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 4,219 |
| Loan loss allowance to noncurrent loans | 105.0245% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8596% | 5,030 |
| Noncurrent loans to loans | 1.4067% | 4,184 |
| Net loans and leases to total assets | 49.1112% | 5,824 |
| Net loans and leases to deposits | 58.5145% | 5,793 |
| Net loans and leases to core deposits | 62.4047% | 5,784 |
| Total domestic deposits to total assets | 83.9299% | 4,263 |
| Equity capital to assets | 10.1771% | 4,122 |
| Core capital (leverage) ratio | 9.2369% | 4,562 |
| Tier 1 risk-based capital ratio | 16.3233% | 2,957 |
| Total risk-based capital ratio | 17.5380% | 2,937 |
| Memoranda: | ||
| Average total assets | $922,974,750 | 715 |
| Average earning assets | $827,732,750 | 725 |
| Average equity | $84,765,750 | 796 |
| Average total loans | $440,712,000 | 959 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 6,190 |
| Cost of funding earning assets | 0.8135% | 5,282 |
| Net interest margin | 3.4274% | 5,455 |
| Noninterest income to average assets | 1.2589% | 797 |
| Noninterest expense to average assets | 3.3881% | 2,298 |
| Loan and lease loss provision to assets | 0.1276% | 4,692 |
| Net operating income to assets | 0.5410% | 4,332 |
| Return on assets (ROA) | 0.5561% | 4,406 |
| Pretax return on assets | 0.8426% | 3,860 |
| Return on Equity (ROE) | 6.2640% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.2640% | 2,263 |
| Net charge-offs to loans | 0.3460% | 3,170 |
| Credit loss provision to net charge-offs | 78.3290% | 3,825 |
| Earnings coverage of net charge-offs (x) | 5.8146% | 2,521 |
| Efficiency ratio | 78.1463% | 2,686 |
| Assets per employee ($millions) | 3.5239% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 4,278 |
| Loan loss allowance to noncurrent loans | 106.4634% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.9225% | 5,021 |
| Noncurrent loans to loans | 1.3766% | 4,349 |
| Net loans and leases to total assets | 45.7322% | 6,297 |
| Net loans and leases to deposits | 53.8342% | 6,316 |
| Net loans and leases to core deposits | 57.1167% | 6,341 |
| Total domestic deposits to total assets | 84.9501% | 3,896 |
| Equity capital to assets | 9.1083% | 5,423 |
| Core capital (leverage) ratio | 9.0665% | 4,616 |
| Tier 1 risk-based capital ratio | 15.3478% | 3,326 |
| Total risk-based capital ratio | 16.5145% | 3,327 |
| Memoranda: | ||
| Average total assets | $940,173,670 | 713 |
| Average earning assets | $843,956,330 | 712 |
| Average equity | $83,460,670 | 809 |
| Average total loans | $442,829,000 | 972 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 6,372 |
| Cost of funding earning assets | 0.8590% | 5,218 |
| Net interest margin | 3.2993% | 5,779 |
| Noninterest income to average assets | 1.2545% | 808 |
| Noninterest expense to average assets | 3.4650% | 2,103 |
| Loan and lease loss provision to assets | 0.1279% | 4,393 |
| Net operating income to assets | 0.4170% | 4,872 |
| Return on assets (ROA) | 0.4294% | 4,897 |
| Pretax return on assets | 0.6511% | 4,484 |
| Return on Equity (ROE) | 4.9013% | 4,448 |
| Retained earnings to average equity (ytd only) | 4.9013% | 3,251 |
| Net charge-offs to loans | 0.3532% | 2,652 |
| Credit loss provision to net charge-offs | 76.3359% | 3,228 |
| Earnings coverage of net charge-offs (x) | 4.5369% | 2,453 |
| Efficiency ratio | 82.0063% | 2,227 |
| Assets per employee ($millions) | 3.6403% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 4,343 |
| Loan loss allowance to noncurrent loans | 69.8903% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3758% | 4,224 |
| Noncurrent loans to loans | 2.1047% | 3,440 |
| Net loans and leases to total assets | 45.4551% | 6,337 |
| Net loans and leases to deposits | 53.3999% | 6,353 |
| Net loans and leases to core deposits | 56.3581% | 6,389 |
| Total domestic deposits to total assets | 85.1221% | 3,982 |
| Equity capital to assets | 8.6849% | 5,677 |
| Core capital (leverage) ratio | 8.5355% | 5,378 |
| Tier 1 risk-based capital ratio | 14.8605% | 3,497 |
| Total risk-based capital ratio | 16.0251% | 3,526 |
| Memoranda: | ||
| Average total assets | $938,057,500 | 720 |
| Average earning assets | $844,660,000 | 718 |
| Average equity | $82,181,500 | 806 |
| Average total loans | $445,082,500 | 976 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 6,618 |
| Cost of funding earning assets | 0.9932% | 5,725 |
| Net interest margin | 3.4079% | 5,595 |
| Noninterest income to average assets | 1.2265% | 1,005 |
| Noninterest expense to average assets | 3.2490% | 2,917 |
| Loan and lease loss provision to assets | 0.4743% | 3,292 |
| Net operating income to assets | 0.4915% | 4,142 |
| Return on assets (ROA) | 0.5008% | 4,257 |
| Pretax return on assets | 0.5544% | 4,464 |
| Return on Equity (ROE) | 6.0077% | 3,604 |
| Retained earnings to average equity (ytd only) | 6.0077% | 1,807 |
| Net charge-offs to loans | 0.7965% | 2,643 |
| Credit loss provision to net charge-offs | 123.5246% | 3,354 |
| Earnings coverage of net charge-offs (x) | 2.6522% | 3,773 |
| Efficiency ratio | 76.1355% | 3,038 |
| Assets per employee ($millions) | 3.5472% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 4,190 |
| Loan loss allowance to noncurrent loans | 36.5117% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 2.4210% | 2,851 |
| Noncurrent loans to loans | 4.0245% | 1,801 |
| Net loans and leases to total assets | 48.0988% | 6,382 |
| Net loans and leases to deposits | 56.0355% | 6,447 |
| Net loans and leases to core deposits | 59.6225% | 6,424 |
| Total domestic deposits to total assets | 85.8363% | 3,439 |
| Equity capital to assets | 8.8399% | 5,374 |
| Core capital (leverage) ratio | 8.6347% | 5,138 |
| Tier 1 risk-based capital ratio | 14.6262% | 3,461 |
| Total risk-based capital ratio | 15.8031% | 3,468 |
| Memoranda: | ||
| Average total assets | $948,742,400 | 708 |
| Average earning assets | $846,584,800 | 718 |
| Average equity | $79,082,000 | 835 |
| Average total loans | $457,347,600 | 986 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 6,749 |
| Cost of funding earning assets | 1.0465% | 5,712 |
| Net interest margin | 3.3932% | 5,707 |
| Noninterest income to average assets | 1.1902% | 988 |
| Noninterest expense to average assets | 3.2235% | 2,844 |
| Loan and lease loss provision to assets | 0.3137% | 4,070 |
| Net operating income to assets | 0.4425% | 4,577 |
| Return on assets (ROA) | 0.4504% | 4,726 |
| Pretax return on assets | 0.6827% | 4,292 |
| Return on Equity (ROE) | 5.4826% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.4826% | 2,662 |
| Net charge-offs to loans | 0.3200% | 4,060 |
| Credit loss provision to net charge-offs | 203.9891% | 1,741 |
| Earnings coverage of net charge-offs (x) | 6.4016% | 2,529 |
| Efficiency ratio | 76.6037% | 2,831 |
| Assets per employee ($millions) | 3.6600% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,843 |
| Loan loss allowance to noncurrent loans | 54.1988% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.9862% | 3,485 |
| Noncurrent loans to loans | 2.8167% | 2,833 |
| Net loans and leases to total assets | 46.2806% | 6,672 |
| Net loans and leases to deposits | 53.2188% | 6,821 |
| Net loans and leases to core deposits | 58.7664% | 6,689 |
| Total domestic deposits to total assets | 86.9630% | 2,552 |
| Equity capital to assets | 8.5583% | 6,210 |
| Core capital (leverage) ratio | 8.3433% | 5,802 |
| Tier 1 risk-based capital ratio | 14.1201% | 3,746 |
| Total risk-based capital ratio | 15.3287% | 3,751 |
| Memoranda: | ||
| Average total assets | $956,248,750 | 700 |
| Average earning assets | $850,459,750 | 710 |
| Average equity | $78,549,000 | 842 |
| Average total loans | $459,564,000 | 990 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 6,767 |
| Cost of funding earning assets | 1.1069% | 5,635 |
| Net interest margin | 3.3628% | 5,785 |
| Noninterest income to average assets | 1.1868% | 916 |
| Noninterest expense to average assets | 3.2369% | 2,776 |
| Loan and lease loss provision to assets | 0.4187% | 3,227 |
| Net operating income to assets | 0.3393% | 5,027 |
| Return on assets (ROA) | 0.3511% | 5,132 |
| Pretax return on assets | 0.5324% | 4,802 |
| Return on Equity (ROE) | 4.3347% | 4,628 |
| Retained earnings to average equity (ytd only) | 4.3347% | 3,317 |
| Net charge-offs to loans | 0.3615% | 3,547 |
| Credit loss provision to net charge-offs | 239.2344% | 1,608 |
| Earnings coverage of net charge-offs (x) | 5.3325% | 2,695 |
| Efficiency ratio | 77.6205% | 2,791 |
| Assets per employee ($millions) | 3.5289% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,942 |
| Loan loss allowance to noncurrent loans | 91.2302% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.5388% | 4,154 |
| Noncurrent loans to loans | 1.6437% | 4,243 |
| Net loans and leases to total assets | 47.9030% | 6,630 |
| Net loans and leases to deposits | 55.4404% | 6,767 |
| Net loans and leases to core deposits | 61.3473% | 6,610 |
| Total domestic deposits to total assets | 86.4046% | 2,866 |
| Equity capital to assets | 8.4040% | 6,296 |
| Core capital (leverage) ratio | 8.1418% | 6,048 |
| Tier 1 risk-based capital ratio | 13.6782% | 3,955 |
| Total risk-based capital ratio | 14.8750% | 3,950 |
| Memoranda: | ||
| Average total assets | $955,357,000 | 697 |
| Average earning assets | $847,572,330 | 710 |
| Average equity | $77,376,000 | 847 |
| Average total loans | $462,526,670 | 990 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 6,864 |
| Cost of funding earning assets | 1.1815% | 5,502 |
| Net interest margin | 3.2838% | 6,038 |
| Noninterest income to average assets | 1.1706% | 894 |
| Noninterest expense to average assets | 3.2686% | 2,639 |
| Loan and lease loss provision to assets | 0.8332% | 1,520 |
| Net operating income to assets | -0.0086% | 6,313 |
| Return on assets (ROA) | 0.0142% | 6,360 |
| Pretax return on assets | 0.0217% | 6,313 |
| Return on Equity (ROE) | 0.1782% | 6,352 |
| Retained earnings to average equity (ytd only) | 0.1782% | 5,746 |
| Net charge-offs to loans | 0.6968% | 2,102 |
| Credit loss provision to net charge-offs | 247.5248% | 1,563 |
| Earnings coverage of net charge-offs (x) | 2.4356% | 3,321 |
| Efficiency ratio | 79.9470% | 2,571 |
| Assets per employee ($millions) | 3.7920% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 4,002 |
| Loan loss allowance to noncurrent loans | 72.9715% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.6286% | 4,047 |
| Noncurrent loans to loans | 2.0296% | 3,746 |
| Net loans and leases to total assets | 46.0150% | 6,827 |
| Net loans and leases to deposits | 52.8366% | 6,991 |
| Net loans and leases to core deposits | 58.6539% | 6,838 |
| Total domestic deposits to total assets | 87.0893% | 2,581 |
| Equity capital to assets | 7.6624% | 6,958 |
| Core capital (leverage) ratio | 7.5171% | 6,835 |
| Tier 1 risk-based capital ratio | 12.9690% | 4,353 |
| Total risk-based capital ratio | 14.1326% | 4,393 |
| Memoranda: | ||
| Average total assets | $960,163,500 | 704 |
| Average earning assets | $853,169,000 | 719 |
| Average equity | $76,324,000 | 866 |
| Average total loans | $463,821,500 | 1,015 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 7,267 |
| Cost of funding earning assets | 1.3116% | 6,270 |
| Net interest margin | 3.3017% | 5,740 |
| Noninterest income to average assets | 1.1772% | 1,111 |
| Noninterest expense to average assets | 3.6497% | 2,032 |
| Loan and lease loss provision to assets | 0.2267% | 5,556 |
| Net operating income to assets | 0.2366% | 4,774 |
| Return on assets (ROA) | 0.3068% | 4,591 |
| Pretax return on assets | 0.3208% | 4,706 |
| Return on Equity (ROE) | 3.6720% | 4,220 |
| Retained earnings to average equity (ytd only) | 3.6720% | 2,621 |
| Net charge-offs to loans | 0.1648% | 5,636 |
| Credit loss provision to net charge-offs | 283.6879% | 1,188 |
| Earnings coverage of net charge-offs (x) | 5.9376% | 2,467 |
| Efficiency ratio | 88.4972% | 1,839 |
| Assets per employee ($millions) | 3.4300% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 5,081 |
| Loan loss allowance to noncurrent loans | 104.4453% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.6186% | 3,942 |
| Noncurrent loans to loans | 1.1931% | 4,950 |
| Net loans and leases to total assets | 49.4251% | 6,692 |
| Net loans and leases to deposits | 57.7340% | 6,801 |
| Net loans and leases to core deposits | 72.4287% | 6,627 |
| Total domestic deposits to total assets | 85.6083% | 3,220 |
| Equity capital to assets | 8.2613% | 6,262 |
| Core capital (leverage) ratio | 8.4271% | 5,393 |
| Tier 1 risk-based capital ratio | 13.4764% | 3,839 |
| Total risk-based capital ratio | 14.4779% | 3,938 |
| Memoranda: | ||
| Average total assets | $882,398,000 | 766 |
| Average earning assets | $787,557,800 | 778 |
| Average equity | $73,720,400 | 881 |
| Average total loans | $427,871,800 | 1,118 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6118% | 7,403 |
| Cost of funding earning assets | 1.3646% | 6,353 |
| Net interest margin | 3.2472% | 5,848 |
| Noninterest income to average assets | 1.1713% | 1,146 |
| Noninterest expense to average assets | 3.6309% | 1,958 |
| Loan and lease loss provision to assets | 0.2367% | 5,075 |
| Net operating income to assets | 0.1393% | 5,355 |
| Return on assets (ROA) | 0.2019% | 5,237 |
| Pretax return on assets | 0.3060% | 5,049 |
| Return on Equity (ROE) | 2.4091% | 5,022 |
| Retained earnings to average equity (ytd only) | 2.4091% | 3,973 |
| Net charge-offs to loans | 0.1388% | 5,315 |
| Credit loss provision to net charge-offs | 354.6911% | 1,158 |
| Earnings coverage of net charge-offs (x) | 6.7117% | 2,554 |
| Efficiency ratio | 89.0199% | 1,779 |
| Assets per employee ($millions) | 3.2646% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 4,828 |
| Loan loss allowance to noncurrent loans | 44.4222% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 1.7212% | 3,789 |
| Noncurrent loans to loans | 2.8140% | 2,693 |
| Net loans and leases to total assets | 49.7501% | 6,798 |
| Net loans and leases to deposits | 56.7848% | 7,040 |
| Net loans and leases to core deposits | 71.1845% | 6,900 |
| Total domestic deposits to total assets | 87.6116% | 1,841 |
| Equity capital to assets | 8.5004% | 6,252 |
| Core capital (leverage) ratio | 8.5037% | 5,484 |
| Tier 1 risk-based capital ratio | 14.0615% | 3,512 |
| Total risk-based capital ratio | 15.0918% | 3,592 |
| Memoranda: | ||
| Average total assets | $873,190,750 | 787 |
| Average earning assets | $781,825,250 | 802 |
| Average equity | $73,165,500 | 904 |
| Average total loans | $419,824,250 | 1,162 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 7,434 |
| Cost of funding earning assets | 1.4020% | 6,471 |
| Net interest margin | 3.2640% | 5,690 |
| Noninterest income to average assets | 1.1302% | 1,232 |
| Noninterest expense to average assets | 3.6926% | 1,856 |
| Loan and lease loss provision to assets | 0.2872% | 4,280 |
| Net operating income to assets | 0.0432% | 5,721 |
| Return on assets (ROA) | 0.1374% | 5,553 |
| Pretax return on assets | 0.2084% | 5,448 |
| Return on Equity (ROE) | 1.6479% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.6479% | 4,421 |
| Net charge-offs to loans | 0.1564% | 4,631 |
| Credit loss provision to net charge-offs | 388.1988% | 1,195 |
| Earnings coverage of net charge-offs (x) | 4.7702% | 3,008 |
| Efficiency ratio | 91.2762% | 1,701 |
| Assets per employee ($millions) | 3.2042% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 4,565 |
| Loan loss allowance to noncurrent loans | 44.2885% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 1.7032% | 3,622 |
| Noncurrent loans to loans | 2.8371% | 2,539 |
| Net loans and leases to total assets | 48.2066% | 7,018 |
| Net loans and leases to deposits | 55.0888% | 7,211 |
| Net loans and leases to core deposits | 70.4437% | 6,995 |
| Total domestic deposits to total assets | 87.5071% | 2,014 |
| Equity capital to assets | 8.2325% | 6,436 |
| Core capital (leverage) ratio | 8.4974% | 5,451 |
| Tier 1 risk-based capital ratio | 14.1061% | 3,453 |
| Total risk-based capital ratio | 15.1148% | 3,532 |
| Memoranda: | ||
| Average total assets | $870,444,330 | 808 |
| Average earning assets | $777,456,000 | 822 |
| Average equity | $72,579,000 | 922 |
| Average total loans | $411,744,670 | 1,220 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6853% | 7,527 |
| Cost of funding earning assets | 1.4492% | 6,577 |
| Net interest margin | 3.2362% | 5,735 |
| Noninterest income to average assets | 1.1254% | 1,168 |
| Noninterest expense to average assets | 3.7287% | 1,598 |
| Loan and lease loss provision to assets | 0.4607% | 2,627 |
| Net operating income to assets | -0.1293% | 6,453 |
| Return on assets (ROA) | -0.1299% | 6,561 |
| Pretax return on assets | -0.1967% | 6,571 |
| Return on Equity (ROE) | -1.5482% | 6,614 |
| Retained earnings to average equity (ytd only) | -1.5482% | 6,008 |
| Net charge-offs to loans | 0.2287% | 3,271 |
| Credit loss provision to net charge-offs | 432.9004% | 1,218 |
| Earnings coverage of net charge-offs (x) | 2.4892% | 3,500 |
| Efficiency ratio | 93.3672% | 1,472 |
| Assets per employee ($millions) | 3.3412% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 4,484 |
| Loan loss allowance to noncurrent loans | 126.6294% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.6783% | 5,462 |
| Noncurrent loans to loans | 0.9836% | 5,028 |
| Net loans and leases to total assets | 45.5967% | 7,220 |
| Net loans and leases to deposits | 52.0930% | 7,397 |
| Net loans and leases to core deposits | 64.8177% | 7,282 |
| Total domestic deposits to total assets | 87.5295% | 1,954 |
| Equity capital to assets | 8.0659% | 6,719 |
| Core capital (leverage) ratio | 8.1066% | 6,277 |
| Tier 1 risk-based capital ratio | 13.9865% | 3,594 |
| Total risk-based capital ratio | 14.9686% | 3,657 |
| Memoranda: | ||
| Average total assets | $868,286,500 | 810 |
| Average earning assets | $769,550,500 | 833 |
| Average equity | $72,861,000 | 919 |
| Average total loans | $404,088,000 | 1,244 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2542% | 7,643 |
| Cost of funding earning assets | 1.7172% | 7,221 |
| Net interest margin | 3.5370% | 5,161 |
| Noninterest income to average assets | 1.2115% | 1,014 |
| Noninterest expense to average assets | 4.1091% | 1,260 |
| Loan and lease loss provision to assets | 0.1936% | 4,946 |
| Net operating income to assets | 0.1858% | 5,887 |
| Return on assets (ROA) | 0.1858% | 5,715 |
| Pretax return on assets | 0.0486% | 6,051 |
| Return on Equity (ROE) | 1.9504% | 5,633 |
| Retained earnings to average equity (ytd only) | 1.9504% | 4,019 |
| Net charge-offs to loans | 0.1168% | 5,096 |
| Credit loss provision to net charge-offs | 372.2084% | 1,187 |
| Earnings coverage of net charge-offs (x) | 4.6576% | 3,910 |
| Efficiency ratio | 94.4339% | 1,249 |
| Assets per employee ($millions) | 3.2214% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,008 |
| Loan loss allowance to noncurrent loans | 226.0825% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 5,730 |
| Noncurrent loans to loans | 0.5032% | 5,843 |
| Net loans and leases to total assets | 46.4042% | 7,291 |
| Net loans and leases to deposits | 54.0145% | 7,434 |
| Net loans and leases to core deposits | 70.1766% | 7,179 |
| Total domestic deposits to total assets | 85.9105% | 2,441 |
| Equity capital to assets | 8.7459% | 5,740 |
| Core capital (leverage) ratio | 9.8642% | 3,580 |
| Tier 1 risk-based capital ratio | 14.6742% | 3,217 |
| Total risk-based capital ratio | 15.5490% | 3,317 |
| Memoranda: | ||
| Average total assets | $774,992,400 | 878 |
| Average earning assets | $687,960,600 | 890 |
| Average equity | $73,831,000 | 900 |
| Average total loans | $345,121,800 | 1,408 |