Home > The National Bank of Blacksburg > Performance and Condition Ratios
The National Bank of Blacksburg, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8619% | 4,116 |
| Cost of funding earning assets | 1.4146% | 2,191 |
| Net interest margin | 2.4473% | 4,147 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 1.7539% | 4,061 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 1.1960% | 1,658 |
| Return on assets (ROA) | 1.0271% | 2,108 |
| Pretax return on assets | 1.2355% | 2,045 |
| Return on Equity (ROE) | 14.4600% | 1,391 |
| Retained earnings to average equity (ytd only) | 4.1433% | 2,906 |
| Net charge-offs to loans | 0.0229% | 1,863 |
| Credit loss provision to net charge-offs | -655.3846% | 4,549 |
| Earnings coverage of net charge-offs (x) | 114.3846% | 839 |
| Efficiency ratio | 56.2896% | 3,470 |
| Assets per employee ($millions) | 7.4417% | 1,775 |
| Cash dividends to net income (ytd only)* | 71.3394% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,019 |
| Loan loss allowance to noncurrent loans | 322.8257% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 2,400 |
| Noncurrent loans to loans | 0.3287% | 2,008 |
| Net loans and leases to total assets | 51.3300% | 3,520 |
| Net loans and leases to deposits | 55.9491% | 3,711 |
| Net loans and leases to core deposits | 58.3165% | 3,826 |
| Total domestic deposits to total assets | 91.7400% | 350 |
| Equity capital to assets | 7.6558% | 3,627 |
| Core capital (leverage) ratio | 11.0490% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0918% | 901 |
| Memoranda: | ||
| Average total assets | $1,637,676,200 | 666 |
| Average earning assets | $1,523,407,000 | 659 |
| Average equity | $116,357,600 | 851 |
| Average total loans | $852,471,800 | 825 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 4,113 |
| Cost of funding earning assets | 1.2741% | 2,215 |
| Net interest margin | 2.5278% | 4,112 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 1.7990% | 3,978 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.2581% | 1,638 |
| Return on assets (ROA) | 1.0297% | 2,265 |
| Pretax return on assets | 1.2330% | 2,219 |
| Return on Equity (ROE) | 14.7800% | 1,485 |
| Retained earnings to average equity (ytd only) | 14.7822% | 582 |
| Net charge-offs to loans | -0.0005% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.9510% | 3,494 |
| Assets per employee ($millions) | 7.0607% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,369 |
| Loan loss allowance to noncurrent loans | 338.0146% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 2,105 |
| Noncurrent loans to loans | 0.3547% | 1,954 |
| Net loans and leases to total assets | 52.8000% | 3,438 |
| Net loans and leases to deposits | 57.0972% | 3,650 |
| Net loans and leases to core deposits | 59.2651% | 3,729 |
| Total domestic deposits to total assets | 92.4800% | 378 |
| Equity capital to assets | 6.8916% | 3,666 |
| Core capital (leverage) ratio | 11.7136% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7890% | 845 |
| Memoranda: | ||
| Average total assets | $1,634,082,250 | 672 |
| Average earning assets | $1,519,210,000 | 662 |
| Average equity | $113,827,500 | 855 |
| Average total loans | $851,326,750 | 825 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 4,109 |
| Cost of funding earning assets | 1.1044% | 2,267 |
| Net interest margin | 2.6265% | 4,079 |
| Noninterest income to average assets | 1.0700% | 514 |
| Noninterest expense to average assets | 1.7580% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4712% | 1,164 |
| Return on assets (ROA) | 1.1318% | 2,028 |
| Pretax return on assets | 1.3514% | 1,942 |
| Return on Equity (ROE) | 16.1900% | 1,233 |
| Retained earnings to average equity (ytd only) | 16.1925% | 450 |
| Net charge-offs to loans | -0.0110% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.0311% | 3,928 |
| Assets per employee ($millions) | 7.0835% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,152 |
| Loan loss allowance to noncurrent loans | 343.2171% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 2,027 |
| Noncurrent loans to loans | 0.3657% | 1,832 |
| Net loans and leases to total assets | 51.5300% | 3,446 |
| Net loans and leases to deposits | 56.0536% | 3,646 |
| Net loans and leases to core deposits | 57.7871% | 3,728 |
| Total domestic deposits to total assets | 91.9300% | 427 |
| Equity capital to assets | 7.4974% | 3,517 |
| Core capital (leverage) ratio | 11.3013% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5820% | 868 |
| Memoranda: | ||
| Average total assets | $1,649,223,667 | 654 |
| Average earning assets | $1,535,353,000 | 646 |
| Average equity | $115,275,333 | 842 |
| Average total loans | $852,083,333 | 811 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6234% | 4,129 |
| Cost of funding earning assets | 0.7993% | 2,742 |
| Net interest margin | 2.8241% | 3,917 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 1.7251% | 4,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1858% | 1,969 |
| Return on assets (ROA) | 1.1881% | 1,924 |
| Pretax return on assets | 1.4537% | 1,759 |
| Return on Equity (ROE) | 17.6200% | 1,081 |
| Retained earnings to average equity (ytd only) | 17.6229% | 551 |
| Net charge-offs to loans | -0.0379% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.3093% | 3,572 |
| Assets per employee ($millions) | 7.3057% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,321 |
| Loan loss allowance to noncurrent loans | 374.0780% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 2,075 |
| Noncurrent loans to loans | 0.3322% | 1,967 |
| Net loans and leases to total assets | 51.2600% | 3,399 |
| Net loans and leases to deposits | 55.5799% | 3,593 |
| Net loans and leases to core deposits | 57.0555% | 3,691 |
| Total domestic deposits to total assets | 92.2200% | 466 |
| Equity capital to assets | 7.2334% | 3,712 |
| Core capital (leverage) ratio | 11.0066% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9962% | 992 |
| Memoranda: | ||
| Average total assets | $1,662,771,500 | 664 |
| Average earning assets | $1,550,362,500 | 653 |
| Average equity | $112,104,000 | 868 |
| Average total loans | $854,854,500 | 824 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 3,935 |
| Cost of funding earning assets | 0.1929% | 3,816 |
| Net interest margin | 2.9419% | 3,587 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 1.5760% | 4,335 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3763% | 1,187 |
| Return on assets (ROA) | 1.3763% | 1,145 |
| Pretax return on assets | 1.6839% | 957 |
| Return on Equity (ROE) | 17.1100% | 843 |
| Retained earnings to average equity (ytd only) | -1.1424% | 4,455 |
| Net charge-offs to loans | 0.0185% | 1,728 |
| Credit loss provision to net charge-offs | 455.4839% | 721 |
| Earnings coverage of net charge-offs (x) | 189.5419% | 675 |
| Efficiency ratio | 47.7381% | 4,256 |
| Assets per employee ($millions) | 7.3764% | 1,704 |
| Cash dividends to net income (ytd only)* | 106.6780% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 3,545 |
| Loan loss allowance to noncurrent loans | 288.0911% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 2,112 |
| Noncurrent loans to loans | 0.3348% | 1,953 |
| Net loans and leases to total assets | 50.4400% | 3,474 |
| Net loans and leases to deposits | 54.2016% | 3,670 |
| Net loans and leases to core deposits | 54.8569% | 3,773 |
| Total domestic deposits to total assets | 93.0500% | 393 |
| Equity capital to assets | 6.2574% | 3,995 |
| Core capital (leverage) ratio | 10.5040% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5701% | 1,044 |
| Memoranda: | ||
| Average total assets | $1,702,740,200 | 638 |
| Average earning assets | $1,598,487,400 | 618 |
| Average equity | $136,993,400 | 719 |
| Average total loans | $835,620,000 | 796 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9955% | 3,896 |
| Cost of funding earning assets | 0.1704% | 3,623 |
| Net interest margin | 2.8251% | 3,679 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 1.5441% | 4,371 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3200% | 1,291 |
| Return on assets (ROA) | 1.3200% | 1,264 |
| Pretax return on assets | 1.6125% | 1,090 |
| Return on Equity (ROE) | 15.5600% | 1,069 |
| Retained earnings to average equity (ytd only) | 7.2866% | 2,271 |
| Net charge-offs to loans | 0.0261% | 1,300 |
| Credit loss provision to net charge-offs | 426.9939% | 679 |
| Earnings coverage of net charge-offs (x) | 131.1350% | 801 |
| Efficiency ratio | 48.0900% | 4,267 |
| Assets per employee ($millions) | 7.5699% | 1,572 |
| Cash dividends to net income (ytd only)* | 53.1695% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 3,646 |
| Loan loss allowance to noncurrent loans | 279.5300% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 2,099 |
| Noncurrent loans to loans | 0.3443% | 1,997 |
| Net loans and leases to total assets | 49.8100% | 3,476 |
| Net loans and leases to deposits | 53.6675% | 3,620 |
| Net loans and leases to core deposits | 54.3637% | 3,723 |
| Total domestic deposits to total assets | 92.8200% | 629 |
| Equity capital to assets | 6.2759% | 3,855 |
| Core capital (leverage) ratio | 10.8830% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2630% | 953 |
| Memoranda: | ||
| Average total assets | $1,709,813,750 | 637 |
| Average earning assets | $1,608,010,000 | 618 |
| Average equity | $145,047,500 | 704 |
| Average total loans | $831,339,000 | 799 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8416% | 3,910 |
| Cost of funding earning assets | 0.1611% | 3,434 |
| Net interest margin | 2.6805% | 3,743 |
| Noninterest income to average assets | 0.5464% | 1,962 |
| Noninterest expense to average assets | 1.5201% | 4,397 |
| Loan and lease loss provision to assets | 0.0518% | 1,653 |
| Net operating income to assets | 1.2331% | 1,322 |
| Return on assets (ROA) | 1.2331% | 1,300 |
| Pretax return on assets | 1.5023% | 1,159 |
| Return on Equity (ROE) | 13.3875% | 1,272 |
| Retained earnings to average equity (ytd only) | 1.9896% | 3,755 |
| Net charge-offs to loans | 0.0119% | 1,550 |
| Credit loss provision to net charge-offs | 906.1224% | 433 |
| Earnings coverage of net charge-offs (x) | 271.8980% | 433 |
| Efficiency ratio | 49.4460% | 4,284 |
| Assets per employee ($millions) | 7.8826% | 1,364 |
| Cash dividends to net income (ytd only)* | 85.1386% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 3,793 |
| Loan loss allowance to noncurrent loans | 270.2277% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 2,176 |
| Noncurrent loans to loans | 0.3516% | 2,095 |
| Net loans and leases to total assets | 48.7307% | 3,490 |
| Net loans and leases to deposits | 53.1797% | 3,595 |
| Net loans and leases to core deposits | 53.8377% | 3,702 |
| Total domestic deposits to total assets | 91.6341% | 986 |
| Equity capital to assets | 7.5008% | 3,479 |
| Core capital (leverage) ratio | 10.9244% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0041% | 991 |
| Memoranda: | ||
| Average total assets | $1,714,531,333 | 631 |
| Average earning assets | $1,616,836,000 | 617 |
| Average equity | $157,924,000 | 669 |
| Average total loans | $824,164,333 | 791 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7358% | 3,873 |
| Cost of funding earning assets | 0.1622% | 3,339 |
| Net interest margin | 2.5736% | 3,729 |
| Noninterest income to average assets | 0.5368% | 1,962 |
| Noninterest expense to average assets | 1.5612% | 4,353 |
| Loan and lease loss provision to assets | 0.0314% | 1,799 |
| Net operating income to assets | 1.1338% | 1,429 |
| Return on assets (ROA) | 1.1338% | 1,423 |
| Pretax return on assets | 1.3777% | 1,304 |
| Return on Equity (ROE) | 11.2534% | 1,526 |
| Retained earnings to average equity (ytd only) | 11.2534% | 732 |
| Net charge-offs to loans | 0.0099% | 1,395 |
| Credit loss provision to net charge-offs | 670.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 300.9500% | 320 |
| Efficiency ratio | 52.5615% | 4,155 |
| Assets per employee ($millions) | 7.9917% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 3,904 |
| Loan loss allowance to noncurrent loans | 240.1480% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 2,176 |
| Noncurrent loans to loans | 0.3958% | 2,073 |
| Net loans and leases to total assets | 47.2314% | 3,465 |
| Net loans and leases to deposits | 52.4973% | 3,535 |
| Net loans and leases to core deposits | 52.9835% | 3,664 |
| Total domestic deposits to total assets | 89.9693% | 1,582 |
| Equity capital to assets | 9.1753% | 2,550 |
| Core capital (leverage) ratio | 11.2185% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9023% | 916 |
| Memoranda: | ||
| Average total assets | $1,708,652,500 | 634 |
| Average earning assets | $1,615,606,000 | 618 |
| Average equity | $172,143,000 | 632 |
| Average total loans | $811,595,500 | 790 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9551% | 3,950 |
| Cost of funding earning assets | 0.2035% | 3,427 |
| Net interest margin | 2.7516% | 3,779 |
| Noninterest income to average assets | 0.5651% | 2,299 |
| Noninterest expense to average assets | 1.6272% | 4,390 |
| Loan and lease loss provision to assets | -0.0247% | 4,246 |
| Net operating income to assets | 1.2848% | 1,646 |
| Return on assets (ROA) | 1.2851% | 1,699 |
| Pretax return on assets | 1.5627% | 1,528 |
| Return on Equity (ROE) | 11.3559% | 2,035 |
| Retained earnings to average equity (ytd only) | 3.3996% | 3,460 |
| Net charge-offs to loans | 0.0517% | 1,292 |
| Credit loss provision to net charge-offs | -97.3105% | 3,354 |
| Earnings coverage of net charge-offs (x) | 60.5770% | 1,167 |
| Efficiency ratio | 51.4148% | 4,169 |
| Assets per employee ($millions) | 7.7940% | 1,441 |
| Cash dividends to net income (ytd only)* | 70.0633% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,916 |
| Loan loss allowance to noncurrent loans | 258.9943% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 2,404 |
| Noncurrent loans to loans | 0.3686% | 2,262 |
| Net loans and leases to total assets | 46.8599% | 3,616 |
| Net loans and leases to deposits | 53.1737% | 3,651 |
| Net loans and leases to core deposits | 53.6973% | 3,774 |
| Total domestic deposits to total assets | 88.1261% | 1,976 |
| Equity capital to assets | 10.9844% | 1,801 |
| Core capital (leverage) ratio | 11.1645% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4953% | 824 |
| Memoranda: | ||
| Average total assets | $1,611,326,000 | 644 |
| Average earning assets | $1,522,364,800 | 629 |
| Average equity | $182,345,200 | 596 |
| Average total loans | $791,291,400 | 804 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9721% | 4,055 |
| Cost of funding earning assets | 0.2141% | 3,475 |
| Net interest margin | 2.7580% | 3,871 |
| Noninterest income to average assets | 0.5573% | 2,383 |
| Noninterest expense to average assets | 1.6287% | 4,426 |
| Loan and lease loss provision to assets | -0.0284% | 4,386 |
| Net operating income to assets | 1.2833% | 1,876 |
| Return on assets (ROA) | 1.2836% | 1,932 |
| Pretax return on assets | 1.5601% | 1,823 |
| Return on Equity (ROE) | 11.2549% | 2,289 |
| Retained earnings to average equity (ytd only) | 3.8997% | 3,608 |
| Net charge-offs to loans | 0.0753% | 907 |
| Credit loss provision to net charge-offs | -75.9551% | 3,196 |
| Earnings coverage of net charge-offs (x) | 41.0225% | 1,352 |
| Efficiency ratio | 51.5397% | 4,067 |
| Assets per employee ($millions) | 7.5617% | 1,531 |
| Cash dividends to net income (ytd only)* | 65.3509% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,957 |
| Loan loss allowance to noncurrent loans | 242.3804% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 2,514 |
| Noncurrent loans to loans | 0.3981% | 2,368 |
| Net loans and leases to total assets | 48.1467% | 3,617 |
| Net loans and leases to deposits | 54.9796% | 3,655 |
| Net loans and leases to core deposits | 55.4972% | 3,813 |
| Total domestic deposits to total assets | 87.5719% | 2,080 |
| Equity capital to assets | 11.2589% | 1,848 |
| Core capital (leverage) ratio | 11.1511% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8603% | 838 |
| Memoranda: | ||
| Average total assets | $1,589,386,500 | 660 |
| Average earning assets | $1,499,883,500 | 642 |
| Average equity | $181,273,000 | 607 |
| Average total loans | $788,148,500 | 823 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9369% | 4,165 |
| Cost of funding earning assets | 0.2278% | 3,486 |
| Net interest margin | 2.7091% | 3,960 |
| Noninterest income to average assets | 0.5438% | 2,432 |
| Noninterest expense to average assets | 1.6460% | 4,451 |
| Loan and lease loss provision to assets | 0.0069% | 2,772 |
| Net operating income to assets | 1.1940% | 2,210 |
| Return on assets (ROA) | 1.1945% | 2,279 |
| Pretax return on assets | 1.4471% | 2,183 |
| Return on Equity (ROE) | 10.4267% | 2,609 |
| Retained earnings to average equity (ytd only) | -0.6773% | 4,581 |
| Net charge-offs to loans | 0.1167% | 666 |
| Credit loss provision to net charge-offs | 11.7904% | 1,771 |
| Earnings coverage of net charge-offs (x) | 24.9454% | 1,422 |
| Efficiency ratio | 53.1070% | 3,919 |
| Assets per employee ($millions) | 7.6420% | 1,398 |
| Cash dividends to net income (ytd only)* | 106.4963% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,814 |
| Loan loss allowance to noncurrent loans | 209.7922% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 2,459 |
| Noncurrent loans to loans | 0.4780% | 2,238 |
| Net loans and leases to total assets | 48.0810% | 3,717 |
| Net loans and leases to deposits | 54.7377% | 3,813 |
| Net loans and leases to core deposits | 55.3716% | 3,935 |
| Total domestic deposits to total assets | 87.8390% | 1,919 |
| Equity capital to assets | 10.9893% | 1,983 |
| Core capital (leverage) ratio | 11.2039% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5354% | 885 |
| Memoranda: | ||
| Average total assets | $1,572,221,000 | 658 |
| Average earning assets | $1,483,051,000 | 646 |
| Average equity | $180,115,333 | 602 |
| Average total loans | $784,955,000 | 827 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0190% | 4,035 |
| Cost of funding earning assets | 0.2372% | 3,584 |
| Net interest margin | 2.7818% | 3,802 |
| Noninterest income to average assets | 0.5383% | 2,441 |
| Noninterest expense to average assets | 1.7039% | 4,369 |
| Loan and lease loss provision to assets | 0.0131% | 2,612 |
| Net operating income to assets | 1.1941% | 2,172 |
| Return on assets (ROA) | 1.1952% | 2,241 |
| Pretax return on assets | 1.4452% | 2,151 |
| Return on Equity (ROE) | 10.2070% | 2,620 |
| Retained earnings to average equity (ytd only) | -12.1327% | 4,846 |
| Net charge-offs to loans | -0.0026% | 3,188 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9060% | 3,792 |
| Assets per employee ($millions) | 7.1192% | 1,715 |
| Cash dividends to net income (ytd only)* | 218.8663% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,466 |
| Loan loss allowance to noncurrent loans | 230.5158% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 2,644 |
| Noncurrent loans to loans | 0.4749% | 2,427 |
| Net loans and leases to total assets | 49.6941% | 3,655 |
| Net loans and leases to deposits | 56.5929% | 3,751 |
| Net loans and leases to core deposits | 57.2614% | 3,891 |
| Total domestic deposits to total assets | 87.8098% | 1,936 |
| Equity capital to assets | 10.9654% | 1,885 |
| Core capital (leverage) ratio | 11.4847% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7322% | 821 |
| Memoranda: | ||
| Average total assets | $1,529,170,000 | 668 |
| Average earning assets | $1,441,675,000 | 654 |
| Average equity | $179,054,000 | 598 |
| Average total loans | $774,724,500 | 830 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3380% | 4,276 |
| Cost of funding earning assets | 0.4428% | 3,328 |
| Net interest margin | 2.8952% | 4,115 |
| Noninterest income to average assets | 0.6158% | 2,157 |
| Noninterest expense to average assets | 1.7816% | 4,498 |
| Loan and lease loss provision to assets | 0.1422% | 2,581 |
| Net operating income to assets | 1.1836% | 1,603 |
| Return on assets (ROA) | 1.1901% | 1,694 |
| Pretax return on assets | 1.4250% | 1,580 |
| Return on Equity (ROE) | 8.7540% | 2,491 |
| Retained earnings to average equity (ytd only) | -2.8004% | 4,752 |
| Net charge-offs to loans | 0.0487% | 2,100 |
| Credit loss provision to net charge-offs | 533.7802% | 1,201 |
| Earnings coverage of net charge-offs (x) | 58.5523% | 1,081 |
| Efficiency ratio | 53.3254% | 4,277 |
| Assets per employee ($millions) | 6.6359% | 1,826 |
| Cash dividends to net income (ytd only)* | 131.9894% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,450 |
| Loan loss allowance to noncurrent loans | 229.0924% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 2,591 |
| Noncurrent loans to loans | 0.4810% | 2,527 |
| Net loans and leases to total assets | 50.5317% | 3,784 |
| Net loans and leases to deposits | 58.6296% | 3,853 |
| Net loans and leases to core deposits | 59.2308% | 3,987 |
| Total domestic deposits to total assets | 86.1881% | 2,282 |
| Equity capital to assets | 12.4756% | 1,338 |
| Core capital (leverage) ratio | 12.1048% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9425% | 774 |
| Memoranda: | ||
| Average total assets | $1,400,532,000 | 657 |
| Average earning assets | $1,318,263,000 | 642 |
| Average equity | $190,404,400 | 526 |
| Average total loans | $766,601,000 | 809 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3862% | 4,363 |
| Cost of funding earning assets | 0.4963% | 3,245 |
| Net interest margin | 2.8899% | 4,197 |
| Noninterest income to average assets | 0.6042% | 2,162 |
| Noninterest expense to average assets | 1.8087% | 4,479 |
| Loan and lease loss provision to assets | 0.1926% | 2,055 |
| Net operating income to assets | 1.1119% | 1,945 |
| Return on assets (ROA) | 1.1198% | 2,036 |
| Pretax return on assets | 1.3320% | 1,933 |
| Return on Equity (ROE) | 8.0546% | 2,792 |
| Retained earnings to average equity (ytd only) | 4.3219% | 2,886 |
| Net charge-offs to loans | 0.0731% | 1,576 |
| Credit loss provision to net charge-offs | 472.6190% | 1,330 |
| Earnings coverage of net charge-offs (x) | 37.1810% | 1,416 |
| Efficiency ratio | 54.4138% | 4,104 |
| Assets per employee ($millions) | 6.1690% | 2,119 |
| Cash dividends to net income (ytd only)* | 46.3432% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 3,474 |
| Loan loss allowance to noncurrent loans | 219.5935% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 2,646 |
| Noncurrent loans to loans | 0.4772% | 2,626 |
| Net loans and leases to total assets | 55.6118% | 3,656 |
| Net loans and leases to deposits | 65.5750% | 3,652 |
| Net loans and leases to core deposits | 66.3507% | 3,874 |
| Total domestic deposits to total assets | 84.8064% | 2,511 |
| Equity capital to assets | 13.9331% | 875 |
| Core capital (leverage) ratio | 13.3117% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4370% | 627 |
| Memoranda: | ||
| Average total assets | $1,374,078,000 | 653 |
| Average earning assets | $1,293,172,500 | 638 |
| Average equity | $191,024,000 | 520 |
| Average total loans | $765,835,000 | 805 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 4,442 |
| Cost of funding earning assets | 0.5329% | 3,330 |
| Net interest margin | 2.9423% | 4,236 |
| Noninterest income to average assets | 0.6006% | 2,126 |
| Noninterest expense to average assets | 1.8454% | 4,492 |
| Loan and lease loss provision to assets | 0.2703% | 1,581 |
| Net operating income to assets | 1.0496% | 2,151 |
| Return on assets (ROA) | 1.0597% | 2,238 |
| Pretax return on assets | 1.2631% | 2,144 |
| Return on Equity (ROE) | 7.6290% | 2,889 |
| Retained earnings to average equity (ytd only) | 3.0091% | 3,386 |
| Net charge-offs to loans | 0.1025% | 1,253 |
| Credit loss provision to net charge-offs | 474.3523% | 1,274 |
| Earnings coverage of net charge-offs (x) | 26.7021% | 1,514 |
| Efficiency ratio | 54.8137% | 4,083 |
| Assets per employee ($millions) | 6.3594% | 1,897 |
| Cash dividends to net income (ytd only)* | 60.5571% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,331 |
| Loan loss allowance to noncurrent loans | 204.2783% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 2,722 |
| Noncurrent loans to loans | 0.5126% | 2,615 |
| Net loans and leases to total assets | 54.8661% | 3,800 |
| Net loans and leases to deposits | 64.3680% | 3,853 |
| Net loans and leases to core deposits | 65.3358% | 4,004 |
| Total domestic deposits to total assets | 85.2382% | 2,289 |
| Equity capital to assets | 13.5447% | 973 |
| Core capital (leverage) ratio | 13.4238% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5108% | 625 |
| Memoranda: | ||
| Average total assets | $1,355,036,667 | 649 |
| Average earning assets | $1,273,889,333 | 630 |
| Average equity | $188,228,333 | 530 |
| Average total loans | $752,998,333 | 804 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 4,426 |
| Cost of funding earning assets | 0.5809% | 3,525 |
| Net interest margin | 3.1016% | 4,091 |
| Noninterest income to average assets | 0.6350% | 1,881 |
| Noninterest expense to average assets | 1.9634% | 4,468 |
| Loan and lease loss provision to assets | 0.1455% | 1,937 |
| Net operating income to assets | 1.1979% | 1,522 |
| Return on assets (ROA) | 1.2029% | 1,623 |
| Pretax return on assets | 1.4447% | 1,447 |
| Return on Equity (ROE) | 8.5440% | 2,296 |
| Retained earnings to average equity (ytd only) | 8.5440% | 1,088 |
| Net charge-offs to loans | 0.0557% | 1,452 |
| Credit loss provision to net charge-offs | 469.6078% | 917 |
| Earnings coverage of net charge-offs (x) | 51.1373% | 885 |
| Efficiency ratio | 55.3463% | 4,273 |
| Assets per employee ($millions) | 5.7452% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 3,763 |
| Loan loss allowance to noncurrent loans | 199.8896% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 2,864 |
| Noncurrent loans to loans | 0.4953% | 2,780 |
| Net loans and leases to total assets | 55.0321% | 3,905 |
| Net loans and leases to deposits | 65.3256% | 3,907 |
| Net loans and leases to core deposits | 66.4428% | 4,057 |
| Total domestic deposits to total assets | 84.2428% | 2,695 |
| Equity capital to assets | 14.3919% | 927 |
| Core capital (leverage) ratio | 14.3408% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6703% | 519 |
| Memoranda: | ||
| Average total assets | $1,317,122,000 | 636 |
| Average earning assets | $1,236,793,000 | 616 |
| Average equity | $185,439,500 | 533 |
| Average total loans | $732,813,000 | 806 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 4,574 |
| Cost of funding earning assets | 0.6209% | 3,553 |
| Net interest margin | 3.1760% | 4,239 |
| Noninterest income to average assets | 0.7024% | 1,812 |
| Noninterest expense to average assets | 2.0192% | 4,502 |
| Loan and lease loss provision to assets | 0.0099% | 3,809 |
| Net operating income to assets | 1.3783% | 1,422 |
| Return on assets (ROA) | 1.4157% | 1,366 |
| Pretax return on assets | 1.6849% | 1,229 |
| Return on Equity (ROE) | 9.8451% | 2,363 |
| Retained earnings to average equity (ytd only) | -5.7646% | 5,000 |
| Net charge-offs to loans | 0.0902% | 1,833 |
| Credit loss provision to net charge-offs | 19.2956% | 3,316 |
| Earnings coverage of net charge-offs (x) | 32.1547% | 1,512 |
| Efficiency ratio | 55.0251% | 4,323 |
| Assets per employee ($millions) | 5.6110% | 1,964 |
| Cash dividends to net income (ytd only)* | 158.5531% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 3,816 |
| Loan loss allowance to noncurrent loans | 190.3217% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 2,816 |
| Noncurrent loans to loans | 0.4910% | 2,712 |
| Net loans and leases to total assets | 55.1719% | 3,984 |
| Net loans and leases to deposits | 64.9570% | 4,010 |
| Net loans and leases to core deposits | 66.2683% | 4,177 |
| Total domestic deposits to total assets | 84.9360% | 2,517 |
| Equity capital to assets | 13.7671% | 1,184 |
| Core capital (leverage) ratio | 14.1749% | 887 |
| Tier 1 risk-based capital ratio | 22.2830% | 992 |
| Total risk-based capital ratio | 23.1279% | 1,019 |
| Memoranda: | ||
| Average total assets | $1,272,263,600 | 624 |
| Average earning assets | $1,188,566,200 | 609 |
| Average equity | $182,943,800 | 511 |
| Average total loans | $723,637,600 | 788 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8215% | 4,648 |
| Cost of funding earning assets | 0.6319% | 3,526 |
| Net interest margin | 3.1896% | 4,320 |
| Noninterest income to average assets | 0.7172% | 1,716 |
| Noninterest expense to average assets | 2.0365% | 4,485 |
| Loan and lease loss provision to assets | 0.0370% | 3,158 |
| Net operating income to assets | 1.3691% | 1,577 |
| Return on assets (ROA) | 1.3855% | 1,581 |
| Pretax return on assets | 1.6381% | 1,500 |
| Return on Equity (ROE) | 9.5289% | 2,660 |
| Retained earnings to average equity (ytd only) | -7.8435% | 5,121 |
| Net charge-offs to loans | 0.0884% | 1,581 |
| Credit loss provision to net charge-offs | 73.2218% | 2,584 |
| Earnings coverage of net charge-offs (x) | 32.7551% | 1,547 |
| Efficiency ratio | 55.1542% | 4,261 |
| Assets per employee ($millions) | 5.5188% | 2,014 |
| Cash dividends to net income (ytd only)* | 182.3130% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,556 |
| Loan loss allowance to noncurrent loans | 169.3563% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 2,703 |
| Noncurrent loans to loans | 0.5918% | 2,512 |
| Net loans and leases to total assets | 56.5152% | 4,012 |
| Net loans and leases to deposits | 67.1536% | 3,980 |
| Net loans and leases to core deposits | 68.4865% | 4,138 |
| Total domestic deposits to total assets | 84.1582% | 2,761 |
| Equity capital to assets | 14.6110% | 950 |
| Core capital (leverage) ratio | 14.6416% | 826 |
| Tier 1 risk-based capital ratio | 22.4843% | 1,014 |
| Total risk-based capital ratio | 23.3882% | 1,020 |
| Memoranda: | ||
| Average total assets | $1,260,681,000 | 631 |
| Average earning assets | $1,175,954,250 | 616 |
| Average equity | $183,296,750 | 510 |
| Average total loans | $720,958,000 | 786 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 4,683 |
| Cost of funding earning assets | 0.6323% | 3,499 |
| Net interest margin | 3.1922% | 4,385 |
| Noninterest income to average assets | 0.7292% | 1,602 |
| Noninterest expense to average assets | 2.0429% | 4,529 |
| Loan and lease loss provision to assets | 0.0405% | 3,003 |
| Net operating income to assets | 1.3751% | 1,499 |
| Return on assets (ROA) | 1.3778% | 1,547 |
| Pretax return on assets | 1.6247% | 1,469 |
| Return on Equity (ROE) | 9.4920% | 2,638 |
| Retained earnings to average equity (ytd only) | -16.0920% | 5,230 |
| Net charge-offs to loans | 0.0948% | 1,417 |
| Credit loss provision to net charge-offs | 74.7801% | 2,282 |
| Earnings coverage of net charge-offs (x) | 30.6540% | 1,443 |
| Efficiency ratio | 55.1393% | 4,352 |
| Assets per employee ($millions) | 5.3873% | 2,060 |
| Cash dividends to net income (ytd only)* | 269.5326% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,620 |
| Loan loss allowance to noncurrent loans | 169.3878% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 2,548 |
| Noncurrent loans to loans | 0.5904% | 2,501 |
| Net loans and leases to total assets | 57.1139% | 4,000 |
| Net loans and leases to deposits | 67.5798% | 3,994 |
| Net loans and leases to core deposits | 68.7423% | 4,174 |
| Total domestic deposits to total assets | 84.5132% | 2,678 |
| Equity capital to assets | 14.3077% | 1,009 |
| Core capital (leverage) ratio | 14.2648% | 890 |
| Tier 1 risk-based capital ratio | 21.6335% | 1,102 |
| Total risk-based capital ratio | 22.5263% | 1,128 |
| Memoranda: | ||
| Average total assets | $1,257,802,000 | 633 |
| Average earning assets | $1,172,546,330 | 622 |
| Average equity | $182,575,670 | 509 |
| Average total loans | $719,737,330 | 785 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8086% | 4,696 |
| Cost of funding earning assets | 0.6132% | 3,497 |
| Net interest margin | 3.1954% | 4,394 |
| Noninterest income to average assets | 0.8031% | 1,294 |
| Noninterest expense to average assets | 2.0502% | 4,558 |
| Loan and lease loss provision to assets | 0.0638% | 2,387 |
| Net operating income to assets | 1.4159% | 1,335 |
| Return on assets (ROA) | 1.4192% | 1,355 |
| Pretax return on assets | 1.6738% | 1,275 |
| Return on Equity (ROE) | 9.7067% | 2,487 |
| Retained earnings to average equity (ytd only) | -31.7498% | 5,310 |
| Net charge-offs to loans | 0.1288% | 972 |
| Credit loss provision to net charge-offs | 86.9565% | 1,736 |
| Earnings coverage of net charge-offs (x) | 23.6261% | 1,465 |
| Efficiency ratio | 54.1821% | 4,515 |
| Assets per employee ($millions) | 5.4770% | 2,001 |
| Cash dividends to net income (ytd only)* | 427.0908% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,563 |
| Loan loss allowance to noncurrent loans | 194.2465% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 2,754 |
| Noncurrent loans to loans | 0.5270% | 2,740 |
| Net loans and leases to total assets | 56.7370% | 4,001 |
| Net loans and leases to deposits | 67.1118% | 3,974 |
| Net loans and leases to core deposits | 68.1136% | 4,172 |
| Total domestic deposits to total assets | 84.5411% | 2,836 |
| Equity capital to assets | 14.2153% | 964 |
| Core capital (leverage) ratio | 14.3932% | 847 |
| Tier 1 risk-based capital ratio | 21.7601% | 1,079 |
| Total risk-based capital ratio | 22.6630% | 1,100 |
| Memoranda: | ||
| Average total assets | $1,253,701,000 | 638 |
| Average earning assets | $1,169,552,500 | 629 |
| Average equity | $183,295,500 | 503 |
| Average total loans | $714,422,000 | 793 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6744% | 4,701 |
| Cost of funding earning assets | 0.4291% | 3,805 |
| Net interest margin | 3.2453% | 4,400 |
| Noninterest income to average assets | 0.6829% | 1,921 |
| Noninterest expense to average assets | 2.1591% | 4,428 |
| Loan and lease loss provision to assets | -0.0064% | 5,095 |
| Net operating income to assets | 1.3398% | 1,655 |
| Return on assets (ROA) | 1.3409% | 1,640 |
| Pretax return on assets | 1.5640% | 1,579 |
| Return on Equity (ROE) | 9.1269% | 2,933 |
| Retained earnings to average equity (ytd only) | 4.0337% | 3,345 |
| Net charge-offs to loans | 0.0661% | 2,173 |
| Credit loss provision to net charge-offs | -17.8414% | 4,287 |
| Earnings coverage of net charge-offs (x) | 43.1432% | 1,245 |
| Efficiency ratio | 58.0065% | 4,156 |
| Assets per employee ($millions) | 5.4250% | 2,034 |
| Cash dividends to net income (ytd only)* | 55.8038% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,444 |
| Loan loss allowance to noncurrent loans | 213.8929% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 2,808 |
| Noncurrent loans to loans | 0.4867% | 2,815 |
| Net loans and leases to total assets | 56.0562% | 4,131 |
| Net loans and leases to deposits | 66.7706% | 4,057 |
| Net loans and leases to core deposits | 67.6729% | 4,253 |
| Total domestic deposits to total assets | 83.9535% | 3,014 |
| Equity capital to assets | 15.0257% | 704 |
| Core capital (leverage) ratio | 15.7882% | 553 |
| Tier 1 risk-based capital ratio | 23.8561% | 837 |
| Total risk-based capital ratio | 24.7640% | 840 |
| Memoranda: | ||
| Average total assets | $1,258,616,200 | 623 |
| Average earning assets | $1,176,075,400 | 609 |
| Average equity | $184,915,000 | 479 |
| Average total loans | $686,341,000 | 804 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 4,737 |
| Cost of funding earning assets | 0.3930% | 3,914 |
| Net interest margin | 3.2473% | 4,405 |
| Noninterest income to average assets | 0.6797% | 1,942 |
| Noninterest expense to average assets | 2.2186% | 4,282 |
| Loan and lease loss provision to assets | 0.0098% | 3,793 |
| Net operating income to assets | 1.2840% | 1,917 |
| Return on assets (ROA) | 1.2840% | 1,918 |
| Pretax return on assets | 1.4858% | 1,949 |
| Return on Equity (ROE) | 8.7892% | 3,198 |
| Retained earnings to average equity (ytd only) | 5.1414% | 3,164 |
| Net charge-offs to loans | 0.0598% | 1,970 |
| Credit loss provision to net charge-offs | 30.4918% | 2,964 |
| Earnings coverage of net charge-offs (x) | 46.3406% | 1,233 |
| Efficiency ratio | 59.6268% | 3,862 |
| Assets per employee ($millions) | 5.4553% | 1,958 |
| Cash dividends to net income (ytd only)* | 41.5032% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,208 |
| Loan loss allowance to noncurrent loans | 245.7152% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 2,988 |
| Noncurrent loans to loans | 0.4466% | 3,053 |
| Net loans and leases to total assets | 55.4023% | 4,265 |
| Net loans and leases to deposits | 67.9992% | 4,064 |
| Net loans and leases to core deposits | 68.8024% | 4,260 |
| Total domestic deposits to total assets | 81.4749% | 3,747 |
| Equity capital to assets | 14.8164% | 759 |
| Core capital (leverage) ratio | 15.5278% | 591 |
| Tier 1 risk-based capital ratio | 23.3812% | 906 |
| Total risk-based capital ratio | 24.3140% | 908 |
| Memoranda: | ||
| Average total assets | $1,259,977,250 | 624 |
| Average earning assets | $1,177,438,000 | 608 |
| Average equity | $184,069,250 | 478 |
| Average total loans | $680,458,500 | 813 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 4,774 |
| Cost of funding earning assets | 0.3775% | 3,887 |
| Net interest margin | 3.2185% | 4,463 |
| Noninterest income to average assets | 0.6997% | 1,870 |
| Noninterest expense to average assets | 2.3221% | 4,096 |
| Loan and lease loss provision to assets | -0.0206% | 5,327 |
| Net operating income to assets | 1.2205% | 2,099 |
| Return on assets (ROA) | 1.2205% | 2,098 |
| Pretax return on assets | 1.4070% | 2,119 |
| Return on Equity (ROE) | 8.3943% | 3,317 |
| Retained earnings to average equity (ytd only) | 2.9042% | 4,091 |
| Net charge-offs to loans | 0.0642% | 1,704 |
| Credit loss provision to net charge-offs | -60.1852% | 4,030 |
| Earnings coverage of net charge-offs (x) | 40.4907% | 1,283 |
| Efficiency ratio | 62.5091% | 3,558 |
| Assets per employee ($millions) | 5.6172% | 1,790 |
| Cash dividends to net income (ytd only)* | 65.4026% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,293 |
| Loan loss allowance to noncurrent loans | 275.8006% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 3,035 |
| Noncurrent loans to loans | 0.3971% | 3,263 |
| Net loans and leases to total assets | 54.1514% | 4,328 |
| Net loans and leases to deposits | 64.0282% | 4,279 |
| Net loans and leases to core deposits | 64.8759% | 4,435 |
| Total domestic deposits to total assets | 84.5743% | 2,845 |
| Equity capital to assets | 14.5123% | 802 |
| Core capital (leverage) ratio | 15.0620% | 657 |
| Tier 1 risk-based capital ratio | 22.7062% | 959 |
| Total risk-based capital ratio | 23.6162% | 979 |
| Memoranda: | ||
| Average total assets | $1,261,727,000 | 622 |
| Average earning assets | $1,179,493,670 | 609 |
| Average equity | $183,457,000 | 478 |
| Average total loans | $672,991,000 | 820 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 4,783 |
| Cost of funding earning assets | 0.3668% | 3,861 |
| Net interest margin | 3.1902% | 4,497 |
| Noninterest income to average assets | 0.7203% | 1,745 |
| Noninterest expense to average assets | 2.6212% | 3,273 |
| Loan and lease loss provision to assets | -0.1498% | 5,532 |
| Net operating income to assets | 1.0826% | 2,510 |
| Return on assets (ROA) | 1.0826% | 2,527 |
| Pretax return on assets | 1.2317% | 2,631 |
| Return on Equity (ROE) | 7.4385% | 3,618 |
| Retained earnings to average equity (ytd only) | 7.4385% | 2,083 |
| Net charge-offs to loans | 0.0374% | 1,775 |
| Credit loss provision to net charge-offs | -761.2903% | 4,114 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 889 |
| Efficiency ratio | 70.6709% | 2,390 |
| Assets per employee ($millions) | 5.6589% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 3,249 |
| Loan loss allowance to noncurrent loans | 262.4645% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 3,088 |
| Noncurrent loans to loans | 0.4275% | 3,256 |
| Net loans and leases to total assets | 51.3787% | 4,476 |
| Net loans and leases to deposits | 60.6938% | 4,423 |
| Net loans and leases to core deposits | 61.4974% | 4,585 |
| Total domestic deposits to total assets | 84.6524% | 3,047 |
| Equity capital to assets | 14.5044% | 773 |
| Core capital (leverage) ratio | 15.4135% | 569 |
| Tier 1 risk-based capital ratio | 23.7498% | 860 |
| Total risk-based capital ratio | 24.6704% | 877 |
| Memoranda: | ||
| Average total assets | $1,260,656,500 | 626 |
| Average earning assets | $1,178,719,500 | 613 |
| Average equity | $183,477,500 | 480 |
| Average total loans | $663,496,000 | 831 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5454% | 4,703 |
| Cost of funding earning assets | 0.3546% | 3,665 |
| Net interest margin | 3.1908% | 4,469 |
| Noninterest income to average assets | 0.7732% | 1,679 |
| Noninterest expense to average assets | 2.0458% | 4,885 |
| Loan and lease loss provision to assets | 0.0126% | 4,036 |
| Net operating income to assets | 1.1731% | 1,606 |
| Return on assets (ROA) | 1.1736% | 1,625 |
| Pretax return on assets | 1.7047% | 996 |
| Return on Equity (ROE) | 8.0270% | 2,781 |
| Retained earnings to average equity (ytd only) | 3.5434% | 3,153 |
| Net charge-offs to loans | 0.0810% | 2,298 |
| Credit loss provision to net charge-offs | 29.5113% | 3,539 |
| Earnings coverage of net charge-offs (x) | 40.0714% | 1,262 |
| Efficiency ratio | 54.2301% | 4,933 |
| Assets per employee ($millions) | 5.9418% | 1,556 |
| Cash dividends to net income (ytd only)* | 55.8559% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 2,858 |
| Loan loss allowance to noncurrent loans | 281.0284% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 3,069 |
| Noncurrent loans to loans | 0.4219% | 3,266 |
| Net loans and leases to total assets | 52.6755% | 4,468 |
| Net loans and leases to deposits | 62.3137% | 4,421 |
| Net loans and leases to core deposits | 63.1498% | 4,590 |
| Total domestic deposits to total assets | 84.5328% | 3,027 |
| Equity capital to assets | 14.6044% | 753 |
| Core capital (leverage) ratio | 15.1256% | 597 |
| Tier 1 risk-based capital ratio | 23.1359% | 900 |
| Total risk-based capital ratio | 24.1196% | 910 |
| Memoranda: | ||
| Average total assets | $1,241,889,600 | 613 |
| Average earning assets | $1,163,438,600 | 605 |
| Average equity | $181,575,800 | 469 |
| Average total loans | $657,114,200 | 792 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 4,719 |
| Cost of funding earning assets | 0.3554% | 3,615 |
| Net interest margin | 3.1819% | 4,504 |
| Noninterest income to average assets | 0.7527% | 1,772 |
| Noninterest expense to average assets | 2.0686% | 4,799 |
| Loan and lease loss provision to assets | 0.0779% | 2,524 |
| Net operating income to assets | 1.2223% | 1,600 |
| Return on assets (ROA) | 1.2226% | 1,632 |
| Pretax return on assets | 1.5906% | 1,457 |
| Return on Equity (ROE) | 8.3598% | 2,948 |
| Retained earnings to average equity (ytd only) | 5.4930% | 2,543 |
| Net charge-offs to loans | 0.1123% | 1,669 |
| Credit loss provision to net charge-offs | 131.3975% | 1,879 |
| Earnings coverage of net charge-offs (x) | 28.1306% | 1,617 |
| Efficiency ratio | 55.1984% | 4,828 |
| Assets per employee ($millions) | 5.8543% | 1,604 |
| Cash dividends to net income (ytd only)* | 34.2928% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,447 |
| Loan loss allowance to noncurrent loans | 248.7669% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 3,003 |
| Noncurrent loans to loans | 0.5154% | 3,157 |
| Net loans and leases to total assets | 53.0660% | 4,488 |
| Net loans and leases to deposits | 63.2051% | 4,434 |
| Net loans and leases to core deposits | 64.0769% | 4,602 |
| Total domestic deposits to total assets | 83.9583% | 3,140 |
| Equity capital to assets | 15.1095% | 712 |
| Core capital (leverage) ratio | 15.3143% | 607 |
| Tier 1 risk-based capital ratio | 25.8187% | 692 |
| Total risk-based capital ratio | 26.9861% | 685 |
| Memoranda: | ||
| Average total assets | $1,238,931,500 | 618 |
| Average earning assets | $1,161,877,000 | 604 |
| Average equity | $181,195,000 | 474 |
| Average total loans | $654,310,500 | 799 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5201% | 4,715 |
| Cost of funding earning assets | 0.3560% | 3,521 |
| Net interest margin | 3.1641% | 4,508 |
| Noninterest income to average assets | 0.7326% | 1,849 |
| Noninterest expense to average assets | 2.0716% | 4,825 |
| Loan and lease loss provision to assets | 0.0842% | 2,303 |
| Net operating income to assets | 1.1928% | 1,619 |
| Return on assets (ROA) | 1.1933% | 1,652 |
| Pretax return on assets | 1.5483% | 1,498 |
| Return on Equity (ROE) | 8.2494% | 2,888 |
| Retained earnings to average equity (ytd only) | 3.9126% | 3,371 |
| Net charge-offs to loans | 0.1383% | 1,332 |
| Credit loss provision to net charge-offs | 115.9645% | 1,825 |
| Earnings coverage of net charge-offs (x) | 22.4723% | 1,709 |
| Efficiency ratio | 55.7498% | 4,858 |
| Assets per employee ($millions) | 5.9811% | 1,478 |
| Cash dividends to net income (ytd only)* | 52.5705% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,526 |
| Loan loss allowance to noncurrent loans | 242.2454% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 3,050 |
| Noncurrent loans to loans | 0.5275% | 3,177 |
| Net loans and leases to total assets | 51.4994% | 4,610 |
| Net loans and leases to deposits | 60.8832% | 4,569 |
| Net loans and leases to core deposits | 61.6851% | 4,732 |
| Total domestic deposits to total assets | 84.5872% | 2,984 |
| Equity capital to assets | 14.5070% | 821 |
| Core capital (leverage) ratio | 14.8829% | 665 |
| Tier 1 risk-based capital ratio | 23.8393% | 866 |
| Total risk-based capital ratio | 24.9276% | 870 |
| Memoranda: | ||
| Average total assets | $1,242,108,000 | 613 |
| Average earning assets | $1,166,275,330 | 602 |
| Average equity | $179,674,670 | 478 |
| Average total loans | $652,125,000 | 807 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5219% | 4,632 |
| Cost of funding earning assets | 0.3537% | 3,484 |
| Net interest margin | 3.1682% | 4,442 |
| Noninterest income to average assets | 0.7342% | 1,808 |
| Noninterest expense to average assets | 2.1374% | 4,780 |
| Loan and lease loss provision to assets | 0.0191% | 3,327 |
| Net operating income to assets | 1.2025% | 1,500 |
| Return on assets (ROA) | 1.2025% | 1,537 |
| Pretax return on assets | 1.5593% | 1,341 |
| Return on Equity (ROE) | 8.3249% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.3249% | 1,335 |
| Net charge-offs to loans | 0.0603% | 1,730 |
| Credit loss provision to net charge-offs | 60.2041% | 1,903 |
| Earnings coverage of net charge-offs (x) | 49.7347% | 898 |
| Efficiency ratio | 57.2512% | 4,803 |
| Assets per employee ($millions) | 6.0184% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,717 |
| Loan loss allowance to noncurrent loans | 143.8447% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 2,538 |
| Noncurrent loans to loans | 0.8796% | 2,275 |
| Net loans and leases to total assets | 51.9976% | 4,516 |
| Net loans and leases to deposits | 61.5973% | 4,457 |
| Net loans and leases to core deposits | 62.5084% | 4,615 |
| Total domestic deposits to total assets | 84.4154% | 3,327 |
| Equity capital to assets | 14.5827% | 735 |
| Core capital (leverage) ratio | 15.0890% | 592 |
| Tier 1 risk-based capital ratio | 26.0254% | 685 |
| Total risk-based capital ratio | 27.1968% | 678 |
| Memoranda: | ||
| Average total assets | $1,235,143,000 | 620 |
| Average earning assets | $1,162,441,000 | 608 |
| Average equity | $178,405,500 | 476 |
| Average total loans | $650,575,500 | 809 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 4,550 |
| Cost of funding earning assets | 0.3649% | 3,371 |
| Net interest margin | 3.2199% | 4,377 |
| Noninterest income to average assets | 0.7204% | 2,077 |
| Noninterest expense to average assets | 2.0169% | 5,153 |
| Loan and lease loss provision to assets | 0.1365% | 1,830 |
| Net operating income to assets | 1.2394% | 1,381 |
| Return on assets (ROA) | 1.2541% | 1,427 |
| Pretax return on assets | 1.6274% | 1,195 |
| Return on Equity (ROE) | 8.5622% | 2,635 |
| Retained earnings to average equity (ytd only) | 3.4383% | 3,482 |
| Net charge-offs to loans | 0.2619% | 1,057 |
| Credit loss provision to net charge-offs | 100.1821% | 2,557 |
| Earnings coverage of net charge-offs (x) | 12.8045% | 2,418 |
| Efficiency ratio | 53.0517% | 5,312 |
| Assets per employee ($millions) | 5.8595% | 1,575 |
| Cash dividends to net income (ytd only)* | 59.8430% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 2,650 |
| Loan loss allowance to noncurrent loans | 140.2501% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 2,517 |
| Noncurrent loans to loans | 0.9129% | 2,267 |
| Net loans and leases to total assets | 52.0058% | 4,606 |
| Net loans and leases to deposits | 61.3196% | 4,585 |
| Net loans and leases to core deposits | 62.3116% | 4,739 |
| Total domestic deposits to total assets | 84.8110% | 3,127 |
| Equity capital to assets | 14.3045% | 794 |
| Core capital (leverage) ratio | 14.9642% | 605 |
| Tier 1 risk-based capital ratio | 25.1358% | 759 |
| Total risk-based capital ratio | 26.2962% | 755 |
| Memoranda: | ||
| Average total assets | $1,208,661,200 | 608 |
| Average earning assets | $1,141,633,800 | 592 |
| Average equity | $177,034,000 | 467 |
| Average total loans | $628,766,400 | 793 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 4,481 |
| Cost of funding earning assets | 0.3692% | 3,336 |
| Net interest margin | 3.2563% | 4,330 |
| Noninterest income to average assets | 0.7342% | 2,026 |
| Noninterest expense to average assets | 2.0313% | 5,144 |
| Loan and lease loss provision to assets | 0.1272% | 1,841 |
| Net operating income to assets | 1.2707% | 1,382 |
| Return on assets (ROA) | 1.2876% | 1,434 |
| Pretax return on assets | 1.6764% | 1,185 |
| Return on Equity (ROE) | 8.7388% | 2,637 |
| Retained earnings to average equity (ytd only) | 5.1087% | 2,752 |
| Net charge-offs to loans | 0.2445% | 959 |
| Credit loss provision to net charge-offs | 100.3497% | 2,344 |
| Earnings coverage of net charge-offs (x) | 14.0533% | 2,261 |
| Efficiency ratio | 52.6418% | 5,339 |
| Assets per employee ($millions) | 5.8873% | 1,521 |
| Cash dividends to net income (ytd only)* | 41.5404% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,670 |
| Loan loss allowance to noncurrent loans | 145.9388% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 2,713 |
| Noncurrent loans to loans | 0.8934% | 2,471 |
| Net loans and leases to total assets | 52.3207% | 4,632 |
| Net loans and leases to deposits | 62.1493% | 4,620 |
| Net loans and leases to core deposits | 63.2033% | 4,765 |
| Total domestic deposits to total assets | 84.1856% | 3,152 |
| Equity capital to assets | 15.1426% | 704 |
| Core capital (leverage) ratio | 15.2128% | 594 |
| Tier 1 risk-based capital ratio | 24.5116% | 857 |
| Total risk-based capital ratio | 25.6393% | 855 |
| Memoranda: | ||
| Average total assets | $1,203,202,000 | 613 |
| Average earning assets | $1,137,551,000 | 592 |
| Average equity | $177,288,250 | 470 |
| Average total loans | $623,900,500 | 793 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6522% | 4,441 |
| Cost of funding earning assets | 0.3746% | 3,306 |
| Net interest margin | 3.2776% | 4,299 |
| Noninterest income to average assets | 0.7318% | 1,997 |
| Noninterest expense to average assets | 2.0114% | 5,248 |
| Loan and lease loss provision to assets | 0.1424% | 1,596 |
| Net operating income to assets | 1.2887% | 1,307 |
| Return on assets (ROA) | 1.3012% | 1,375 |
| Pretax return on assets | 1.6915% | 1,112 |
| Return on Equity (ROE) | 8.9131% | 2,535 |
| Retained earnings to average equity (ytd only) | 4.5584% | 3,009 |
| Net charge-offs to loans | 0.3095% | 767 |
| Credit loss provision to net charge-offs | 89.3639% | 2,249 |
| Earnings coverage of net charge-offs (x) | 11.4088% | 2,262 |
| Efficiency ratio | 51.7593% | 5,455 |
| Assets per employee ($millions) | 5.9813% | 1,415 |
| Cash dividends to net income (ytd only)* | 48.8574% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,801 |
| Loan loss allowance to noncurrent loans | 125.6709% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8232% | 2,534 |
| Noncurrent loans to loans | 1.0325% | 2,217 |
| Net loans and leases to total assets | 51.5952% | 4,706 |
| Net loans and leases to deposits | 61.0036% | 4,732 |
| Net loans and leases to core deposits | 62.0429% | 4,882 |
| Total domestic deposits to total assets | 84.5772% | 3,063 |
| Equity capital to assets | 14.7899% | 788 |
| Core capital (leverage) ratio | 14.8197% | 639 |
| Tier 1 risk-based capital ratio | 23.9839% | 903 |
| Total risk-based capital ratio | 25.0906% | 899 |
| Memoranda: | ||
| Average total assets | $1,203,934,670 | 608 |
| Average earning assets | $1,137,678,330 | 588 |
| Average equity | $175,763,330 | 474 |
| Average total loans | $619,642,330 | 802 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6901% | 4,358 |
| Cost of funding earning assets | 0.3759% | 3,343 |
| Net interest margin | 3.3141% | 4,171 |
| Noninterest income to average assets | 0.6733% | 2,156 |
| Noninterest expense to average assets | 2.0915% | 5,130 |
| Loan and lease loss provision to assets | 0.0676% | 2,608 |
| Net operating income to assets | 1.2746% | 1,322 |
| Return on assets (ROA) | 1.2808% | 1,392 |
| Pretax return on assets | 1.6559% | 1,169 |
| Return on Equity (ROE) | 8.8309% | 2,505 |
| Retained earnings to average equity (ytd only) | 8.8309% | 1,167 |
| Net charge-offs to loans | 0.2562% | 810 |
| Credit loss provision to net charge-offs | 51.6539% | 2,037 |
| Earnings coverage of net charge-offs (x) | 13.1145% | 1,753 |
| Efficiency ratio | 53.9780% | 5,387 |
| Assets per employee ($millions) | 5.9692% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,739 |
| Loan loss allowance to noncurrent loans | 120.4070% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 2,548 |
| Noncurrent loans to loans | 1.1079% | 2,184 |
| Net loans and leases to total assets | 49.7271% | 4,833 |
| Net loans and leases to deposits | 58.8518% | 4,792 |
| Net loans and leases to core deposits | 59.9508% | 4,944 |
| Total domestic deposits to total assets | 84.4955% | 3,316 |
| Equity capital to assets | 14.7534% | 758 |
| Core capital (leverage) ratio | 15.0616% | 595 |
| Tier 1 risk-based capital ratio | 25.0351% | 805 |
| Total risk-based capital ratio | 26.1795% | 808 |
| Memoranda: | ||
| Average total assets | $1,201,791,500 | 610 |
| Average earning assets | $1,136,345,500 | 588 |
| Average equity | $174,297,500 | 474 |
| Average total loans | $613,674,000 | 809 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 3,602 |
| Cost of funding earning assets | 0.3831% | 3,338 |
| Net interest margin | 3.5461% | 3,346 |
| Noninterest income to average assets | 0.7030% | 2,186 |
| Noninterest expense to average assets | 2.0557% | 5,339 |
| Loan and lease loss provision to assets | 0.1732% | 1,318 |
| Net operating income to assets | 1.3965% | 1,042 |
| Return on assets (ROA) | 1.3987% | 1,085 |
| Pretax return on assets | 1.8149% | 785 |
| Return on Equity (ROE) | 9.6024% | 2,176 |
| Retained earnings to average equity (ytd only) | 4.9101% | 2,487 |
| Net charge-offs to loans | 0.3182% | 944 |
| Credit loss provision to net charge-offs | 101.7215% | 2,461 |
| Earnings coverage of net charge-offs (x) | 11.6623% | 2,547 |
| Efficiency ratio | 48.7416% | 5,811 |
| Assets per employee ($millions) | 5.9297% | 1,435 |
| Cash dividends to net income (ytd only)* | 48.8662% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 2,714 |
| Loan loss allowance to noncurrent loans | 121.3012% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 2,368 |
| Noncurrent loans to loans | 1.1039% | 2,131 |
| Net loans and leases to total assets | 51.0388% | 4,775 |
| Net loans and leases to deposits | 59.9788% | 4,782 |
| Net loans and leases to core deposits | 61.2463% | 4,912 |
| Total domestic deposits to total assets | 85.0948% | 3,048 |
| Equity capital to assets | 14.2512% | 853 |
| Core capital (leverage) ratio | 14.8883% | 637 |
| Tier 1 risk-based capital ratio | 24.1461% | 910 |
| Total risk-based capital ratio | 25.2999% | 907 |
| Memoranda: | ||
| Average total assets | $1,160,246,600 | 607 |
| Average earning assets | $1,092,092,200 | 588 |
| Average equity | $168,998,800 | 469 |
| Average total loans | $620,708,200 | 754 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 3,444 |
| Cost of funding earning assets | 0.3875% | 3,356 |
| Net interest margin | 3.5869% | 3,211 |
| Noninterest income to average assets | 0.6882% | 2,288 |
| Noninterest expense to average assets | 2.0756% | 5,329 |
| Loan and lease loss provision to assets | 0.0850% | 2,462 |
| Net operating income to assets | 1.4658% | 976 |
| Return on assets (ROA) | 1.4662% | 1,017 |
| Pretax return on assets | 1.9026% | 712 |
| Return on Equity (ROE) | 10.0100% | 2,098 |
| Retained earnings to average equity (ytd only) | 7.0947% | 1,642 |
| Net charge-offs to loans | 0.1889% | 1,348 |
| Credit loss provision to net charge-offs | 83.4091% | 2,558 |
| Earnings coverage of net charge-offs (x) | 19.4910% | 1,935 |
| Efficiency ratio | 48.7881% | 5,832 |
| Assets per employee ($millions) | 5.7388% | 1,558 |
| Cash dividends to net income (ytd only)* | 29.1245% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 3,130 |
| Loan loss allowance to noncurrent loans | 89.8395% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.1584% | 2,049 |
| Noncurrent loans to loans | 1.4408% | 1,746 |
| Net loans and leases to total assets | 54.1998% | 4,547 |
| Net loans and leases to deposits | 64.2837% | 4,531 |
| Net loans and leases to core deposits | 65.7943% | 4,707 |
| Total domestic deposits to total assets | 84.3134% | 3,298 |
| Equity capital to assets | 15.1358% | 708 |
| Core capital (leverage) ratio | 15.2778% | 592 |
| Tier 1 risk-based capital ratio | 24.1603% | 934 |
| Total risk-based capital ratio | 25.2871% | 932 |
| Memoranda: | ||
| Average total assets | $1,150,857,250 | 616 |
| Average earning assets | $1,082,723,500 | 598 |
| Average equity | $168,573,250 | 477 |
| Average total loans | $620,974,750 | 762 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 3,427 |
| Cost of funding earning assets | 0.3941% | 3,335 |
| Net interest margin | 3.5704% | 3,208 |
| Noninterest income to average assets | 0.6713% | 2,346 |
| Noninterest expense to average assets | 2.0770% | 5,384 |
| Loan and lease loss provision to assets | 0.0964% | 2,212 |
| Net operating income to assets | 1.4392% | 1,014 |
| Return on assets (ROA) | 1.4396% | 1,053 |
| Pretax return on assets | 1.8577% | 807 |
| Return on Equity (ROE) | 9.9374% | 2,102 |
| Retained earnings to average equity (ytd only) | 5.5269% | 2,520 |
| Net charge-offs to loans | 0.2223% | 1,153 |
| Credit loss provision to net charge-offs | 80.8140% | 2,321 |
| Earnings coverage of net charge-offs (x) | 16.3808% | 1,914 |
| Efficiency ratio | 49.2173% | 5,892 |
| Assets per employee ($millions) | 5.9082% | 1,426 |
| Cash dividends to net income (ytd only)* | 44.3829% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 3,269 |
| Loan loss allowance to noncurrent loans | 90.4953% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.1714% | 2,166 |
| Noncurrent loans to loans | 1.4312% | 1,867 |
| Net loans and leases to total assets | 54.0630% | 4,547 |
| Net loans and leases to deposits | 63.5909% | 4,570 |
| Net loans and leases to core deposits | 65.0840% | 4,721 |
| Total domestic deposits to total assets | 85.0170% | 3,114 |
| Equity capital to assets | 14.4753% | 824 |
| Core capital (leverage) ratio | 14.7410% | 666 |
| Tier 1 risk-based capital ratio | 23.3321% | 1,030 |
| Total risk-based capital ratio | 24.4510% | 1,037 |
| Memoranda: | ||
| Average total assets | $1,153,805,000 | 614 |
| Average earning assets | $1,085,549,670 | 598 |
| Average equity | $167,146,670 | 482 |
| Average total loans | $618,937,670 | 765 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 3,381 |
| Cost of funding earning assets | 0.3993% | 3,314 |
| Net interest margin | 3.5604% | 3,176 |
| Noninterest income to average assets | 0.5487% | 2,953 |
| Noninterest expense to average assets | 2.0601% | 5,472 |
| Loan and lease loss provision to assets | 0.0695% | 2,552 |
| Net operating income to assets | 1.3962% | 1,041 |
| Return on assets (ROA) | 1.3956% | 1,092 |
| Pretax return on assets | 1.7705% | 917 |
| Return on Equity (ROE) | 9.6303% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.6303% | 1,011 |
| Net charge-offs to loans | 0.1347% | 1,438 |
| Credit loss provision to net charge-offs | 97.1014% | 1,693 |
| Earnings coverage of net charge-offs (x) | 25.7343% | 1,258 |
| Efficiency ratio | 50.4296% | 5,892 |
| Assets per employee ($millions) | 6.0244% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 3,278 |
| Loan loss allowance to noncurrent loans | 86.9432% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.2101% | 2,214 |
| Noncurrent loans to loans | 1.5238% | 1,850 |
| Net loans and leases to total assets | 52.8945% | 4,560 |
| Net loans and leases to deposits | 62.4211% | 4,533 |
| Net loans and leases to core deposits | 63.9741% | 4,698 |
| Total domestic deposits to total assets | 84.7382% | 3,532 |
| Equity capital to assets | 14.7081% | 779 |
| Core capital (leverage) ratio | 14.7648% | 645 |
| Tier 1 risk-based capital ratio | 24.8325% | 902 |
| Total risk-based capital ratio | 26.0469% | 891 |
| Memoranda: | ||
| Average total assets | $1,157,614,500 | 609 |
| Average earning assets | $1,089,868,000 | 584 |
| Average equity | $167,763,000 | 483 |
| Average total loans | $614,509,500 | 764 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 3,002 |
| Cost of funding earning assets | 0.4665% | 3,010 |
| Net interest margin | 3.7179% | 2,943 |
| Noninterest income to average assets | 0.7264% | 2,181 |
| Noninterest expense to average assets | 2.0462% | 5,680 |
| Loan and lease loss provision to assets | 0.1460% | 1,808 |
| Net operating income to assets | 1.5436% | 804 |
| Return on assets (ROA) | 1.5437% | 837 |
| Pretax return on assets | 2.0067% | 505 |
| Return on Equity (ROE) | 11.2017% | 1,656 |
| Retained earnings to average equity (ytd only) | 6.1336% | 1,842 |
| Net charge-offs to loans | 0.2691% | 1,607 |
| Credit loss provision to net charge-offs | 102.2430% | 2,343 |
| Earnings coverage of net charge-offs (x) | 15.0785% | 2,111 |
| Efficiency ratio | 46.4582% | 6,249 |
| Assets per employee ($millions) | 5.8802% | 1,468 |
| Cash dividends to net income (ytd only)* | 45.2440% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 3,113 |
| Loan loss allowance to noncurrent loans | 87.0339% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2354% | 2,288 |
| Noncurrent loans to loans | 1.5673% | 1,865 |
| Net loans and leases to total assets | 51.8420% | 4,801 |
| Net loans and leases to deposits | 60.8016% | 4,829 |
| Net loans and leases to core deposits | 62.2270% | 4,986 |
| Total domestic deposits to total assets | 85.2643% | 3,180 |
| Equity capital to assets | 14.2743% | 878 |
| Core capital (leverage) ratio | 14.4121% | 723 |
| Tier 1 risk-based capital ratio | 23.4353% | 1,017 |
| Total risk-based capital ratio | 24.6277% | 999 |
| Memoranda: | ||
| Average total assets | $1,124,350,000 | 599 |
| Average earning assets | $1,050,085,800 | 582 |
| Average equity | $154,949,800 | 496 |
| Average total loans | $596,416,200 | 740 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 2,874 |
| Cost of funding earning assets | 0.4808% | 2,949 |
| Net interest margin | 3.7522% | 2,804 |
| Noninterest income to average assets | 0.7289% | 2,192 |
| Noninterest expense to average assets | 2.0545% | 5,670 |
| Loan and lease loss provision to assets | 0.1384% | 1,804 |
| Net operating income to assets | 1.5647% | 818 |
| Return on assets (ROA) | 1.5652% | 853 |
| Pretax return on assets | 2.0351% | 524 |
| Return on Equity (ROE) | 11.4629% | 1,641 |
| Retained earnings to average equity (ytd only) | 8.1235% | 1,301 |
| Net charge-offs to loans | 0.3043% | 1,302 |
| Credit loss provision to net charge-offs | 85.5457% | 2,503 |
| Earnings coverage of net charge-offs (x) | 13.4285% | 2,228 |
| Efficiency ratio | 46.3219% | 6,283 |
| Assets per employee ($millions) | 5.7128% | 1,551 |
| Cash dividends to net income (ytd only)* | 29.1324% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 3,411 |
| Loan loss allowance to noncurrent loans | 97.8078% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.1989% | 2,555 |
| Noncurrent loans to loans | 1.3765% | 2,356 |
| Net loans and leases to total assets | 52.8278% | 4,721 |
| Net loans and leases to deposits | 62.0030% | 4,740 |
| Net loans and leases to core deposits | 63.5788% | 4,918 |
| Total domestic deposits to total assets | 85.2021% | 3,262 |
| Equity capital to assets | 14.4330% | 866 |
| Core capital (leverage) ratio | 14.4383% | 742 |
| Tier 1 risk-based capital ratio | 23.5766% | 1,039 |
| Total risk-based capital ratio | 24.7459% | 1,034 |
| Memoranda: | ||
| Average total assets | $1,117,305,500 | 604 |
| Average earning assets | $1,041,786,500 | 586 |
| Average equity | $152,558,500 | 498 |
| Average total loans | $594,081,000 | 742 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 2,770 |
| Cost of funding earning assets | 0.5012% | 2,824 |
| Net interest margin | 3.7480% | 2,767 |
| Noninterest income to average assets | 0.7244% | 2,164 |
| Noninterest expense to average assets | 2.0467% | 5,733 |
| Loan and lease loss provision to assets | 0.1438% | 1,722 |
| Net operating income to assets | 1.5599% | 777 |
| Return on assets (ROA) | 1.5601% | 809 |
| Pretax return on assets | 2.0247% | 530 |
| Return on Equity (ROE) | 11.6462% | 1,536 |
| Retained earnings to average equity (ytd only) | 6.5453% | 2,012 |
| Net charge-offs to loans | 0.3573% | 1,147 |
| Credit loss provision to net charge-offs | 75.8491% | 2,379 |
| Earnings coverage of net charge-offs (x) | 11.4387% | 2,158 |
| Efficiency ratio | 46.2749% | 6,352 |
| Assets per employee ($millions) | 5.7165% | 1,511 |
| Cash dividends to net income (ytd only)* | 43.7987% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 3,627 |
| Loan loss allowance to noncurrent loans | 151.1090% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 3,193 |
| Noncurrent loans to loans | 0.8884% | 3,480 |
| Net loans and leases to total assets | 52.0187% | 4,746 |
| Net loans and leases to deposits | 60.5412% | 4,821 |
| Net loans and leases to core deposits | 62.2002% | 4,956 |
| Total domestic deposits to total assets | 85.9229% | 3,080 |
| Equity capital to assets | 13.7366% | 1,068 |
| Core capital (leverage) ratio | 14.0369% | 819 |
| Tier 1 risk-based capital ratio | 22.9394% | 1,119 |
| Total risk-based capital ratio | 24.1021% | 1,118 |
| Memoranda: | ||
| Average total assets | $1,118,411,670 | 601 |
| Average earning assets | $1,041,579,670 | 587 |
| Average equity | $149,817,330 | 499 |
| Average total loans | $593,266,000 | 734 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 2,585 |
| Cost of funding earning assets | 0.5068% | 2,830 |
| Net interest margin | 3.7752% | 2,572 |
| Noninterest income to average assets | 0.6995% | 2,168 |
| Noninterest expense to average assets | 2.0615% | 5,760 |
| Loan and lease loss provision to assets | 0.0370% | 3,321 |
| Net operating income to assets | 1.6226% | 650 |
| Return on assets (ROA) | 1.6229% | 675 |
| Pretax return on assets | 2.1167% | 416 |
| Return on Equity (ROE) | 12.2732% | 1,354 |
| Retained earnings to average equity (ytd only) | 12.2732% | 576 |
| Net charge-offs to loans | 0.0223% | 3,133 |
| Credit loss provision to net charge-offs | 312.1212% | 778 |
| Earnings coverage of net charge-offs (x) | 181.8182% | 267 |
| Efficiency ratio | 46.6196% | 6,406 |
| Assets per employee ($millions) | 5.7492% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 3,559 |
| Loan loss allowance to noncurrent loans | 132.9434% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9939% | 3,281 |
| Noncurrent loans to loans | 1.0595% | 3,305 |
| Net loans and leases to total assets | 51.8025% | 4,696 |
| Net loans and leases to deposits | 60.2092% | 4,741 |
| Net loans and leases to core deposits | 61.9271% | 4,892 |
| Total domestic deposits to total assets | 86.0376% | 3,348 |
| Equity capital to assets | 13.4878% | 1,100 |
| Core capital (leverage) ratio | 14.0202% | 815 |
| Tier 1 risk-based capital ratio | 22.9926% | 1,147 |
| Total risk-based capital ratio | 24.2107% | 1,137 |
| Memoranda: | ||
| Average total assets | $1,114,539,500 | 608 |
| Average earning assets | $1,037,824,000 | 593 |
| Average equity | $147,378,500 | 505 |
| Average total loans | $593,007,500 | 735 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 2,288 |
| Cost of funding earning assets | 0.5828% | 2,810 |
| Net interest margin | 3.8974% | 2,295 |
| Noninterest income to average assets | 0.7557% | 2,265 |
| Noninterest expense to average assets | 2.1008% | 5,827 |
| Loan and lease loss provision to assets | 0.1400% | 2,557 |
| Net operating income to assets | 1.6657% | 618 |
| Return on assets (ROA) | 1.6636% | 632 |
| Pretax return on assets | 2.1533% | 336 |
| Return on Equity (ROE) | 12.4700% | 1,289 |
| Retained earnings to average equity (ytd only) | 7.1357% | 1,385 |
| Net charge-offs to loans | 0.2803% | 2,297 |
| Credit loss provision to net charge-offs | 92.6195% | 2,687 |
| Earnings coverage of net charge-offs (x) | 15.1894% | 1,893 |
| Efficiency ratio | 45.5398% | 6,578 |
| Assets per employee ($millions) | 5.5400% | 1,616 |
| Cash dividends to net income (ytd only)* | 42.7770% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 3,757 |
| Loan loss allowance to noncurrent loans | 121.4497% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.0367% | 3,352 |
| Noncurrent loans to loans | 1.1347% | 3,273 |
| Net loans and leases to total assets | 53.1358% | 4,704 |
| Net loans and leases to deposits | 61.3131% | 4,793 |
| Net loans and leases to core deposits | 63.0121% | 4,969 |
| Total domestic deposits to total assets | 86.6630% | 2,896 |
| Equity capital to assets | 12.9556% | 1,294 |
| Core capital (leverage) ratio | 13.8321% | 873 |
| Tier 1 risk-based capital ratio | 22.0910% | 1,243 |
| Total risk-based capital ratio | 23.2881% | 1,226 |
| Memoranda: | ||
| Average total assets | $1,093,541,200 | 602 |
| Average earning assets | $1,021,633,800 | 585 |
| Average equity | $145,885,800 | 500 |
| Average total loans | $589,697,600 | 705 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 2,218 |
| Cost of funding earning assets | 0.6037% | 2,778 |
| Net interest margin | 3.8985% | 2,279 |
| Noninterest income to average assets | 0.7434% | 2,395 |
| Noninterest expense to average assets | 2.1049% | 5,817 |
| Loan and lease loss provision to assets | 0.1626% | 2,224 |
| Net operating income to assets | 1.6452% | 691 |
| Return on assets (ROA) | 1.6443% | 731 |
| Pretax return on assets | 2.1205% | 458 |
| Return on Equity (ROE) | 12.2361% | 1,408 |
| Retained earnings to average equity (ytd only) | 8.8198% | 1,112 |
| Net charge-offs to loans | 0.3602% | 1,759 |
| Credit loss provision to net charge-offs | 83.6902% | 2,757 |
| Earnings coverage of net charge-offs (x) | 11.7582% | 2,204 |
| Efficiency ratio | 45.7036% | 6,603 |
| Assets per employee ($millions) | 5.5108% | 1,611 |
| Cash dividends to net income (ytd only)* | 27.9199% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 4,034 |
| Loan loss allowance to noncurrent loans | 71.0584% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 3,360 |
| Noncurrent loans to loans | 1.9255% | 2,331 |
| Net loans and leases to total assets | 54.2698% | 4,568 |
| Net loans and leases to deposits | 63.1356% | 4,613 |
| Net loans and leases to core deposits | 65.0183% | 4,804 |
| Total domestic deposits to total assets | 85.9576% | 3,276 |
| Equity capital to assets | 13.4048% | 1,162 |
| Core capital (leverage) ratio | 13.9415% | 882 |
| Tier 1 risk-based capital ratio | 22.3682% | 1,252 |
| Total risk-based capital ratio | 23.5679% | 1,234 |
| Memoranda: | ||
| Average total assets | $1,089,928,500 | 606 |
| Average earning assets | $1,019,245,250 | 589 |
| Average equity | $146,470,500 | 503 |
| Average total loans | $587,880,250 | 711 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 2,281 |
| Cost of funding earning assets | 0.6293% | 2,686 |
| Net interest margin | 3.8477% | 2,387 |
| Noninterest income to average assets | 0.7253% | 2,523 |
| Noninterest expense to average assets | 2.0808% | 5,905 |
| Loan and lease loss provision to assets | 0.1874% | 2,017 |
| Net operating income to assets | 1.6059% | 739 |
| Return on assets (ROA) | 1.6029% | 817 |
| Pretax return on assets | 2.0567% | 537 |
| Return on Equity (ROE) | 11.9177% | 1,519 |
| Retained earnings to average equity (ytd only) | 6.8225% | 1,970 |
| Net charge-offs to loans | 0.4850% | 1,356 |
| Credit loss provision to net charge-offs | 72.1012% | 2,783 |
| Earnings coverage of net charge-offs (x) | 8.6493% | 2,378 |
| Efficiency ratio | 45.7913% | 6,649 |
| Assets per employee ($millions) | 5.4682% | 1,617 |
| Cash dividends to net income (ytd only)* | 42.7530% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 4,279 |
| Loan loss allowance to noncurrent loans | 65.8551% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 3,345 |
| Noncurrent loans to loans | 2.0466% | 2,340 |
| Net loans and leases to total assets | 53.4895% | 4,658 |
| Net loans and leases to deposits | 62.0108% | 4,743 |
| Net loans and leases to core deposits | 63.9926% | 4,894 |
| Total domestic deposits to total assets | 86.2584% | 3,227 |
| Equity capital to assets | 13.1609% | 1,278 |
| Core capital (leverage) ratio | 13.4126% | 1,013 |
| Tier 1 risk-based capital ratio | 21.4202% | 1,398 |
| Total risk-based capital ratio | 22.5877% | 1,387 |
| Memoranda: | ||
| Average total assets | $1,095,033,330 | 608 |
| Average earning assets | $1,025,543,000 | 585 |
| Average equity | $147,277,330 | 502 |
| Average total loans | $586,746,670 | 709 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 2,363 |
| Cost of funding earning assets | 0.6522% | 2,638 |
| Net interest margin | 3.7941% | 2,473 |
| Noninterest income to average assets | 0.6948% | 2,618 |
| Noninterest expense to average assets | 2.0480% | 6,012 |
| Loan and lease loss provision to assets | 0.2443% | 1,474 |
| Net operating income to assets | 1.5414% | 784 |
| Return on assets (ROA) | 1.5385% | 862 |
| Pretax return on assets | 1.9576% | 642 |
| Return on Equity (ROE) | 11.3188% | 1,610 |
| Retained earnings to average equity (ytd only) | 11.3188% | 814 |
| Net charge-offs to loans | 0.4984% | 1,209 |
| Credit loss provision to net charge-offs | 92.0439% | 1,987 |
| Earnings coverage of net charge-offs (x) | 8.3086% | 1,955 |
| Efficiency ratio | 45.8266% | 6,699 |
| Assets per employee ($millions) | 5.5613% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 4,046 |
| Loan loss allowance to noncurrent loans | 63.8113% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 3,400 |
| Noncurrent loans to loans | 2.2586% | 2,319 |
| Net loans and leases to total assets | 51.7516% | 4,743 |
| Net loans and leases to deposits | 60.4892% | 4,739 |
| Net loans and leases to core deposits | 62.3383% | 4,921 |
| Total domestic deposits to total assets | 85.5551% | 3,770 |
| Equity capital to assets | 13.7762% | 1,106 |
| Core capital (leverage) ratio | 13.4316% | 964 |
| Tier 1 risk-based capital ratio | 22.0261% | 1,326 |
| Total risk-based capital ratio | 23.2762% | 1,297 |
| Memoranda: | ||
| Average total assets | $1,098,462,500 | 610 |
| Average earning assets | $1,030,328,000 | 585 |
| Average equity | $149,309,000 | 500 |
| Average total loans | $585,114,500 | 717 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 2,345 |
| Cost of funding earning assets | 0.7789% | 2,841 |
| Net interest margin | 3.9846% | 2,462 |
| Noninterest income to average assets | 0.7860% | 2,327 |
| Noninterest expense to average assets | 2.0664% | 6,196 |
| Loan and lease loss provision to assets | 0.2897% | 2,351 |
| Net operating income to assets | 1.6679% | 661 |
| Return on assets (ROA) | 1.6663% | 743 |
| Pretax return on assets | 2.1576% | 447 |
| Return on Equity (ROE) | 12.5115% | 1,357 |
| Retained earnings to average equity (ytd only) | 7.2098% | 1,468 |
| Net charge-offs to loans | 0.4829% | 2,306 |
| Credit loss provision to net charge-offs | 109.8493% | 2,665 |
| Earnings coverage of net charge-offs (x) | 9.2871% | 2,277 |
| Efficiency ratio | 43.5423% | 6,861 |
| Assets per employee ($millions) | 5.7362% | 1,488 |
| Cash dividends to net income (ytd only)* | 42.3745% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 4,160 |
| Loan loss allowance to noncurrent loans | 63.2932% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 3,424 |
| Noncurrent loans to loans | 2.2171% | 2,441 |
| Net loans and leases to total assets | 53.2630% | 4,718 |
| Net loans and leases to deposits | 61.9479% | 4,792 |
| Net loans and leases to core deposits | 63.9559% | 4,961 |
| Total domestic deposits to total assets | 85.9802% | 3,367 |
| Equity capital to assets | 13.4099% | 1,264 |
| Core capital (leverage) ratio | 13.0627% | 1,095 |
| Tier 1 risk-based capital ratio | 20.7964% | 1,506 |
| Total risk-based capital ratio | 22.0336% | 1,478 |
| Memoranda: | ||
| Average total assets | $1,081,738,400 | 604 |
| Average earning assets | $1,012,557,800 | 579 |
| Average equity | $144,067,400 | 505 |
| Average total loans | $590,816,000 | 697 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 2,431 |
| Cost of funding earning assets | 0.8029% | 2,917 |
| Net interest margin | 3.9856% | 2,560 |
| Noninterest income to average assets | 0.7809% | 2,327 |
| Noninterest expense to average assets | 2.0721% | 6,220 |
| Loan and lease loss provision to assets | 0.3162% | 2,089 |
| Net operating income to assets | 1.6413% | 776 |
| Return on assets (ROA) | 1.6401% | 856 |
| Pretax return on assets | 2.1218% | 544 |
| Return on Equity (ROE) | 12.3363% | 1,522 |
| Retained earnings to average equity (ytd only) | 8.9109% | 1,262 |
| Net charge-offs to loans | 0.5353% | 1,999 |
| Credit loss provision to net charge-offs | 107.8547% | 2,722 |
| Earnings coverage of net charge-offs (x) | 8.3210% | 2,465 |
| Efficiency ratio | 43.6977% | 6,907 |
| Assets per employee ($millions) | 5.5558% | 1,579 |
| Cash dividends to net income (ytd only)* | 27.7669% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 4,428 |
| Loan loss allowance to noncurrent loans | 132.1909% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7550% | 4,812 |
| Noncurrent loans to loans | 1.0503% | 4,338 |
| Net loans and leases to total assets | 54.3890% | 4,694 |
| Net loans and leases to deposits | 63.4065% | 4,787 |
| Net loans and leases to core deposits | 65.5246% | 4,999 |
| Total domestic deposits to total assets | 85.7782% | 3,371 |
| Equity capital to assets | 13.7143% | 1,266 |
| Core capital (leverage) ratio | 13.0562% | 1,172 |
| Tier 1 risk-based capital ratio | 20.4324% | 1,645 |
| Total risk-based capital ratio | 21.6436% | 1,630 |
| Memoranda: | ||
| Average total assets | $1,076,836,750 | 608 |
| Average earning assets | $1,008,015,750 | 590 |
| Average equity | $143,162,000 | 502 |
| Average total loans | $589,780,500 | 700 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 2,601 |
| Cost of funding earning assets | 0.8206% | 3,025 |
| Net interest margin | 3.9550% | 2,700 |
| Noninterest income to average assets | 0.7853% | 2,264 |
| Noninterest expense to average assets | 2.0204% | 6,392 |
| Loan and lease loss provision to assets | 0.3300% | 1,993 |
| Net operating income to assets | 1.6467% | 760 |
| Return on assets (ROA) | 1.6474% | 849 |
| Pretax return on assets | 2.1384% | 538 |
| Return on Equity (ROE) | 12.5231% | 1,497 |
| Retained earnings to average equity (ytd only) | 7.3286% | 1,940 |
| Net charge-offs to loans | 0.5699% | 1,889 |
| Credit loss provision to net charge-offs | 105.9666% | 2,567 |
| Earnings coverage of net charge-offs (x) | 7.9242% | 2,390 |
| Efficiency ratio | 42.7761% | 6,994 |
| Assets per employee ($millions) | 5.5647% | 1,566 |
| Cash dividends to net income (ytd only)* | 41.4796% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 4,503 |
| Loan loss allowance to noncurrent loans | 107.0231% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 4,830 |
| Noncurrent loans to loans | 1.2988% | 3,976 |
| Net loans and leases to total assets | 53.3994% | 4,897 |
| Net loans and leases to deposits | 61.9401% | 5,002 |
| Net loans and leases to core deposits | 64.2581% | 5,184 |
| Total domestic deposits to total assets | 86.2114% | 3,244 |
| Equity capital to assets | 13.2775% | 1,403 |
| Core capital (leverage) ratio | 12.7011% | 1,259 |
| Tier 1 risk-based capital ratio | 20.0711% | 1,690 |
| Total risk-based capital ratio | 21.2891% | 1,662 |
| Memoranda: | ||
| Average total assets | $1,076,505,000 | 612 |
| Average earning assets | $1,007,783,670 | 588 |
| Average equity | $141,610,330 | 504 |
| Average total loans | $588,215,330 | 698 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7957% | 2,658 |
| Cost of funding earning assets | 0.8437% | 3,112 |
| Net interest margin | 3.9520% | 2,709 |
| Noninterest income to average assets | 0.7588% | 2,354 |
| Noninterest expense to average assets | 2.0362% | 6,396 |
| Loan and lease loss provision to assets | 0.2507% | 2,456 |
| Net operating income to assets | 1.6677% | 768 |
| Return on assets (ROA) | 1.6695% | 846 |
| Pretax return on assets | 2.1735% | 565 |
| Return on Equity (ROE) | 12.7514% | 1,478 |
| Retained earnings to average equity (ytd only) | 12.7514% | 722 |
| Net charge-offs to loans | 0.4601% | 1,944 |
| Credit loss provision to net charge-offs | 99.2614% | 2,387 |
| Earnings coverage of net charge-offs (x) | 9.5894% | 1,830 |
| Efficiency ratio | 43.4059% | 7,013 |
| Assets per employee ($millions) | 5.6578% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 4,707 |
| Loan loss allowance to noncurrent loans | 145.5941% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 5,389 |
| Noncurrent loans to loans | 0.9452% | 4,787 |
| Net loans and leases to total assets | 53.4751% | 4,808 |
| Net loans and leases to deposits | 62.0101% | 4,918 |
| Net loans and leases to core deposits | 64.3148% | 5,075 |
| Total domestic deposits to total assets | 86.2362% | 3,393 |
| Equity capital to assets | 13.1543% | 1,374 |
| Core capital (leverage) ratio | 12.7096% | 1,237 |
| Tier 1 risk-based capital ratio | 20.1078% | 1,683 |
| Total risk-based capital ratio | 21.3212% | 1,667 |
| Memoranda: | ||
| Average total assets | $1,072,195,500 | 619 |
| Average earning assets | $1,003,650,500 | 592 |
| Average equity | $140,377,000 | 505 |
| Average total loans | $588,514,000 | 700 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 2,328 |
| Cost of funding earning assets | 0.9499% | 3,724 |
| Net interest margin | 4.1807% | 2,124 |
| Noninterest income to average assets | 0.7591% | 2,285 |
| Noninterest expense to average assets | 2.1256% | 6,437 |
| Loan and lease loss provision to assets | 0.2849% | 3,383 |
| Net operating income to assets | 1.7348% | 519 |
| Return on assets (ROA) | 1.7338% | 557 |
| Pretax return on assets | 2.2518% | 331 |
| Return on Equity (ROE) | 13.4279% | 1,060 |
| Retained earnings to average equity (ytd only) | 7.9972% | 1,080 |
| Net charge-offs to loans | 0.4315% | 3,277 |
| Credit loss provision to net charge-offs | 115.8743% | 2,805 |
| Earnings coverage of net charge-offs (x) | 10.3226% | 1,856 |
| Efficiency ratio | 43.3336% | 7,138 |
| Assets per employee ($millions) | 5.4833% | 1,650 |
| Cash dividends to net income (ytd only)* | 40.4436% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 4,619 |
| Loan loss allowance to noncurrent loans | 141.9173% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 5,293 |
| Noncurrent loans to loans | 0.9618% | 4,785 |
| Net loans and leases to total assets | 54.8083% | 4,910 |
| Net loans and leases to deposits | 63.4106% | 5,077 |
| Net loans and leases to core deposits | 66.2843% | 5,220 |
| Total domestic deposits to total assets | 86.4339% | 3,061 |
| Equity capital to assets | 13.0297% | 1,470 |
| Core capital (leverage) ratio | 12.4828% | 1,358 |
| Tier 1 risk-based capital ratio | 19.3245% | 1,807 |
| Total risk-based capital ratio | 20.5343% | 1,792 |
| Memoranda: | ||
| Average total assets | $1,035,071,800 | 638 |
| Average earning assets | $966,696,200 | 613 |
| Average equity | $133,647,400 | 522 |
| Average total loans | $589,848,400 | 710 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 2,285 |
| Cost of funding earning assets | 0.9736% | 3,860 |
| Net interest margin | 4.2048% | 2,082 |
| Noninterest income to average assets | 0.7579% | 2,275 |
| Noninterest expense to average assets | 2.2133% | 6,248 |
| Loan and lease loss provision to assets | 0.2848% | 3,241 |
| Net operating income to assets | 1.6908% | 646 |
| Return on assets (ROA) | 1.6878% | 714 |
| Pretax return on assets | 2.1812% | 444 |
| Return on Equity (ROE) | 13.1026% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.4272% | 1,002 |
| Net charge-offs to loans | 0.2580% | 3,818 |
| Credit loss provision to net charge-offs | 192.4628% | 1,517 |
| Earnings coverage of net charge-offs (x) | 16.6888% | 1,388 |
| Efficiency ratio | 45.0104% | 7,100 |
| Assets per employee ($millions) | 5.4665% | 1,636 |
| Cash dividends to net income (ytd only)* | 28.0511% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 4,293 |
| Loan loss allowance to noncurrent loans | 182.2533% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 5,563 |
| Noncurrent loans to loans | 0.8006% | 5,269 |
| Net loans and leases to total assets | 56.6905% | 4,731 |
| Net loans and leases to deposits | 65.8346% | 4,931 |
| Net loans and leases to core deposits | 68.7592% | 5,091 |
| Total domestic deposits to total assets | 86.1105% | 3,163 |
| Equity capital to assets | 13.3742% | 1,425 |
| Core capital (leverage) ratio | 12.5369% | 1,421 |
| Tier 1 risk-based capital ratio | 19.0095% | 1,933 |
| Total risk-based capital ratio | 20.2601% | 1,911 |
| Memoranda: | ||
| Average total assets | $1,027,901,250 | 649 |
| Average earning assets | $959,566,750 | 623 |
| Average equity | $132,408,250 | 532 |
| Average total loans | $589,537,250 | 717 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1865% | 2,316 |
| Cost of funding earning assets | 0.9892% | 4,020 |
| Net interest margin | 4.1973% | 2,045 |
| Noninterest income to average assets | 0.7433% | 2,295 |
| Noninterest expense to average assets | 2.2344% | 6,291 |
| Loan and lease loss provision to assets | 0.3032% | 2,982 |
| Net operating income to assets | 1.6514% | 667 |
| Return on assets (ROA) | 1.6471% | 711 |
| Pretax return on assets | 2.1157% | 475 |
| Return on Equity (ROE) | 12.9544% | 1,210 |
| Retained earnings to average equity (ytd only) | 7.3494% | 1,717 |
| Net charge-offs to loans | 0.2464% | 3,645 |
| Credit loss provision to net charge-offs | 214.7994% | 1,388 |
| Earnings coverage of net charge-offs (x) | 17.1743% | 1,312 |
| Efficiency ratio | 45.6896% | 7,167 |
| Assets per employee ($millions) | 5.2882% | 1,772 |
| Cash dividends to net income (ytd only)* | 43.2670% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 4,440 |
| Loan loss allowance to noncurrent loans | 114.4590% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 5,069 |
| Noncurrent loans to loans | 1.2497% | 4,571 |
| Net loans and leases to total assets | 56.7613% | 4,859 |
| Net loans and leases to deposits | 65.6024% | 5,058 |
| Net loans and leases to core deposits | 68.5740% | 5,230 |
| Total domestic deposits to total assets | 86.5232% | 3,027 |
| Equity capital to assets | 12.9294% | 1,553 |
| Core capital (leverage) ratio | 12.1038% | 1,552 |
| Tier 1 risk-based capital ratio | 18.2576% | 2,089 |
| Total risk-based capital ratio | 19.5078% | 2,047 |
| Memoranda: | ||
| Average total assets | $1,024,324,330 | 660 |
| Average earning assets | $955,565,330 | 635 |
| Average equity | $130,241,330 | 538 |
| Average total loans | $586,874,670 | 729 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1944% | 2,242 |
| Cost of funding earning assets | 0.9991% | 4,210 |
| Net interest margin | 4.1952% | 1,907 |
| Noninterest income to average assets | 0.7006% | 2,575 |
| Noninterest expense to average assets | 2.2518% | 6,298 |
| Loan and lease loss provision to assets | 0.3135% | 2,666 |
| Net operating income to assets | 1.6060% | 685 |
| Return on assets (ROA) | 1.6018% | 735 |
| Pretax return on assets | 2.0437% | 519 |
| Return on Equity (ROE) | 12.7058% | 1,269 |
| Retained earnings to average equity (ytd only) | 12.7058% | 633 |
| Net charge-offs to loans | 0.1502% | 3,588 |
| Credit loss provision to net charge-offs | 365.2968% | 898 |
| Earnings coverage of net charge-offs (x) | 27.5342% | 895 |
| Efficiency ratio | 46.4974% | 7,181 |
| Assets per employee ($millions) | 5.2469% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 4,653 |
| Loan loss allowance to noncurrent loans | 94.4336% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.0705% | 4,783 |
| Noncurrent loans to loans | 1.4851% | 4,243 |
| Net loans and leases to total assets | 56.6545% | 4,880 |
| Net loans and leases to deposits | 65.4259% | 5,059 |
| Net loans and leases to core deposits | 68.4806% | 5,235 |
| Total domestic deposits to total assets | 86.5934% | 3,183 |
| Equity capital to assets | 12.7961% | 1,474 |
| Core capital (leverage) ratio | 12.1179% | 1,498 |
| Tier 1 risk-based capital ratio | 18.1908% | 2,057 |
| Total risk-based capital ratio | 19.4257% | 2,026 |
| Memoranda: | ||
| Average total assets | $1,020,883,000 | 663 |
| Average earning assets | $952,415,000 | 642 |
| Average equity | $128,697,500 | 539 |
| Average total loans | $583,402,000 | 744 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 3,175 |
| Cost of funding earning assets | 1.2108% | 4,493 |
| Net interest margin | 4.0793% | 2,666 |
| Noninterest income to average assets | 0.8309% | 2,138 |
| Noninterest expense to average assets | 2.2288% | 6,546 |
| Loan and lease loss provision to assets | 0.3439% | 4,081 |
| Net operating income to assets | 1.6091% | 611 |
| Return on assets (ROA) | 1.6076% | 660 |
| Pretax return on assets | 2.0483% | 438 |
| Return on Equity (ROE) | 12.7802% | 1,151 |
| Retained earnings to average equity (ytd only) | 7.7203% | 1,070 |
| Net charge-offs to loans | 0.4561% | 3,793 |
| Credit loss provision to net charge-offs | 127.6301% | 3,151 |
| Earnings coverage of net charge-offs (x) | 8.8851% | 1,904 |
| Efficiency ratio | 45.8483% | 7,356 |
| Assets per employee ($millions) | 5.1187% | 1,986 |
| Cash dividends to net income (ytd only)* | 39.5921% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 4,879 |
| Loan loss allowance to noncurrent loans | 81.4712% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 4,826 |
| Noncurrent loans to loans | 1.6250% | 4,068 |
| Net loans and leases to total assets | 56.0795% | 5,335 |
| Net loans and leases to deposits | 64.5717% | 5,561 |
| Net loans and leases to core deposits | 68.3516% | 5,629 |
| Total domestic deposits to total assets | 86.8484% | 2,910 |
| Equity capital to assets | 12.4160% | 1,687 |
| Core capital (leverage) ratio | 11.8529% | 1,645 |
| Tier 1 risk-based capital ratio | 17.8112% | 2,063 |
| Total risk-based capital ratio | 18.9769% | 2,052 |
| Memoranda: | ||
| Average total assets | $991,239,000 | 668 |
| Average earning assets | $921,462,200 | 652 |
| Average equity | $124,684,600 | 546 |
| Average total loans | $585,577,600 | 762 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3399% | 3,166 |
| Cost of funding earning assets | 1.2478% | 4,581 |
| Net interest margin | 4.0922% | 2,659 |
| Noninterest income to average assets | 0.8204% | 2,127 |
| Noninterest expense to average assets | 2.2335% | 6,517 |
| Loan and lease loss provision to assets | 0.2992% | 4,181 |
| Net operating income to assets | 1.6338% | 695 |
| Return on assets (ROA) | 1.6333% | 761 |
| Pretax return on assets | 2.0868% | 521 |
| Return on Equity (ROE) | 12.9415% | 1,265 |
| Retained earnings to average equity (ytd only) | 9.6683% | 876 |
| Net charge-offs to loans | 0.3045% | 4,149 |
| Credit loss provision to net charge-offs | 164.7278% | 2,284 |
| Earnings coverage of net charge-offs (x) | 13.1402% | 1,616 |
| Efficiency ratio | 45.9617% | 7,383 |
| Assets per employee ($millions) | 4.7977% | 2,452 |
| Cash dividends to net income (ytd only)* | 25.2924% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 4,785 |
| Loan loss allowance to noncurrent loans | 95.3744% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 4,824 |
| Noncurrent loans to loans | 1.3984% | 4,519 |
| Net loans and leases to total assets | 58.9104% | 5,118 |
| Net loans and leases to deposits | 68.4832% | 5,352 |
| Net loans and leases to core deposits | 72.9111% | 5,415 |
| Total domestic deposits to total assets | 86.0216% | 3,061 |
| Equity capital to assets | 13.2575% | 1,471 |
| Core capital (leverage) ratio | 11.9842% | 1,678 |
| Tier 1 risk-based capital ratio | 17.7245% | 2,099 |
| Total risk-based capital ratio | 18.9133% | 2,091 |
| Memoranda: | ||
| Average total assets | $984,393,250 | 670 |
| Average earning assets | $914,047,750 | 653 |
| Average equity | $124,237,750 | 540 |
| Average total loans | $587,246,500 | 769 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3387% | 3,271 |
| Cost of funding earning assets | 1.2728% | 4,700 |
| Net interest margin | 4.0659% | 2,718 |
| Noninterest income to average assets | 0.8194% | 2,022 |
| Noninterest expense to average assets | 2.2326% | 6,562 |
| Loan and lease loss provision to assets | 0.3040% | 3,965 |
| Net operating income to assets | 1.6107% | 716 |
| Return on assets (ROA) | 1.6093% | 769 |
| Pretax return on assets | 2.0562% | 542 |
| Return on Equity (ROE) | 12.9675% | 1,249 |
| Retained earnings to average equity (ytd only) | 7.9837% | 1,445 |
| Net charge-offs to loans | 0.2965% | 3,843 |
| Credit loss provision to net charge-offs | 171.9037% | 2,267 |
| Earnings coverage of net charge-offs (x) | 13.3578% | 1,596 |
| Efficiency ratio | 46.2000% | 7,430 |
| Assets per employee ($millions) | 5.0057% | 2,185 |
| Cash dividends to net income (ytd only)* | 38.4325% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 4,979 |
| Loan loss allowance to noncurrent loans | 99.9603% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 4,969 |
| Noncurrent loans to loans | 1.2914% | 4,800 |
| Net loans and leases to total assets | 58.2734% | 5,371 |
| Net loans and leases to deposits | 67.2080% | 5,657 |
| Net loans and leases to core deposits | 71.0563% | 5,768 |
| Total domestic deposits to total assets | 86.7059% | 2,702 |
| Equity capital to assets | 12.5965% | 1,742 |
| Core capital (leverage) ratio | 11.5284% | 1,904 |
| Tier 1 risk-based capital ratio | 16.9050% | 2,322 |
| Total risk-based capital ratio | 18.0470% | 2,313 |
| Memoranda: | ||
| Average total assets | $986,282,330 | 668 |
| Average earning assets | $915,760,670 | 650 |
| Average equity | $122,398,670 | 547 |
| Average total loans | $588,207,000 | 767 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 3,349 |
| Cost of funding earning assets | 1.3043% | 4,787 |
| Net interest margin | 4.0349% | 2,717 |
| Noninterest income to average assets | 0.7928% | 2,055 |
| Noninterest expense to average assets | 2.2658% | 6,492 |
| Loan and lease loss provision to assets | 0.2630% | 3,931 |
| Net operating income to assets | 1.5705% | 793 |
| Return on assets (ROA) | 1.5645% | 861 |
| Pretax return on assets | 2.0031% | 600 |
| Return on Equity (ROE) | 12.7023% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.7023% | 664 |
| Net charge-offs to loans | 0.2930% | 3,240 |
| Credit loss provision to net charge-offs | 149.7685% | 2,387 |
| Earnings coverage of net charge-offs (x) | 12.9468% | 1,532 |
| Efficiency ratio | 47.4834% | 7,476 |
| Assets per employee ($millions) | 4.9959% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 5,444 |
| Loan loss allowance to noncurrent loans | 71.6968% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.2664% | 4,648 |
| Noncurrent loans to loans | 1.6898% | 4,211 |
| Net loans and leases to total assets | 58.8656% | 5,302 |
| Net loans and leases to deposits | 67.9072% | 5,604 |
| Net loans and leases to core deposits | 71.8960% | 5,725 |
| Total domestic deposits to total assets | 86.6854% | 2,791 |
| Equity capital to assets | 12.4777% | 1,773 |
| Core capital (leverage) ratio | 11.6019% | 1,858 |
| Tier 1 risk-based capital ratio | 16.6015% | 2,412 |
| Total risk-based capital ratio | 17.6743% | 2,435 |
| Memoranda: | ||
| Average total assets | $983,860,000 | 692 |
| Average earning assets | $913,623,000 | 672 |
| Average equity | $121,174,500 | 554 |
| Average total loans | $589,752,500 | 786 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5919% | 3,652 |
| Cost of funding earning assets | 1.7669% | 4,165 |
| Net interest margin | 3.8250% | 3,599 |
| Noninterest income to average assets | 0.8726% | 2,065 |
| Noninterest expense to average assets | 2.3575% | 6,579 |
| Loan and lease loss provision to assets | 0.1692% | 5,996 |
| Net operating income to assets | 1.5051% | 667 |
| Return on assets (ROA) | 1.5020% | 723 |
| Pretax return on assets | 1.8888% | 524 |
| Return on Equity (ROE) | 12.8144% | 1,002 |
| Retained earnings to average equity (ytd only) | 7.6692% | 785 |
| Net charge-offs to loans | 0.0975% | 6,154 |
| Credit loss provision to net charge-offs | 288.6926% | 1,162 |
| Earnings coverage of net charge-offs (x) | 35.1802% | 669 |
| Efficiency ratio | 50.7838% | 7,487 |
| Assets per employee ($millions) | 4.7502% | 2,542 |
| Cash dividends to net income (ytd only)* | 40.1517% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 5,510 |
| Loan loss allowance to noncurrent loans | 119.5168% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 5,484 |
| Noncurrent loans to loans | 0.9821% | 5,356 |
| Net loans and leases to total assets | 59.5940% | 5,400 |
| Net loans and leases to deposits | 68.4339% | 5,777 |
| Net loans and leases to core deposits | 82.9671% | 5,819 |
| Total domestic deposits to total assets | 87.0826% | 2,456 |
| Equity capital to assets | 12.1530% | 1,933 |
| Core capital (leverage) ratio | 11.2038% | 2,100 |
| Tier 1 risk-based capital ratio | 15.8709% | 2,580 |
| Total risk-based capital ratio | 16.9042% | 2,599 |
| Memoranda: | ||
| Average total assets | $965,720,000 | 693 |
| Average earning assets | $895,475,600 | 674 |
| Average equity | $113,193,400 | 578 |
| Average total loans | $580,317,000 | 822 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6172% | 3,759 |
| Cost of funding earning assets | 1.8765% | 4,011 |
| Net interest margin | 3.7407% | 3,907 |
| Noninterest income to average assets | 0.8829% | 2,046 |
| Noninterest expense to average assets | 2.3685% | 6,510 |
| Loan and lease loss provision to assets | 0.1320% | 6,040 |
| Net operating income to assets | 1.4730% | 867 |
| Return on assets (ROA) | 1.4700% | 936 |
| Pretax return on assets | 1.8471% | 732 |
| Return on Equity (ROE) | 12.6600% | 1,188 |
| Retained earnings to average equity (ytd only) | 9.2683% | 777 |
| Net charge-offs to loans | 0.0826% | 5,855 |
| Credit loss provision to net charge-offs | 266.2011% | 1,596 |
| Earnings coverage of net charge-offs (x) | 39.9834% | 751 |
| Efficiency ratio | 51.8146% | 7,426 |
| Assets per employee ($millions) | 4.6928% | 2,569 |
| Cash dividends to net income (ytd only)* | 26.7904% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 5,672 |
| Loan loss allowance to noncurrent loans | 106.8201% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.8300% | 5,432 |
| Noncurrent loans to loans | 1.0375% | 5,237 |
| Net loans and leases to total assets | 59.8548% | 5,605 |
| Net loans and leases to deposits | 68.8843% | 6,042 |
| Net loans and leases to core deposits | 84.9883% | 5,967 |
| Total domestic deposits to total assets | 86.8919% | 2,239 |
| Equity capital to assets | 12.2907% | 2,070 |
| Core capital (leverage) ratio | 10.9933% | 2,409 |
| Tier 1 risk-based capital ratio | 15.9501% | 2,645 |
| Total risk-based capital ratio | 16.9285% | 2,685 |
| Memoranda: | ||
| Average total assets | $962,516,750 | 708 |
| Average earning assets | $892,424,500 | 691 |
| Average equity | $111,761,500 | 596 |
| Average total loans | $577,878,000 | 843 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6245% | 3,940 |
| Cost of funding earning assets | 1.9484% | 4,012 |
| Net interest margin | 3.6761% | 4,058 |
| Noninterest income to average assets | 0.8672% | 2,106 |
| Noninterest expense to average assets | 2.3684% | 6,562 |
| Loan and lease loss provision to assets | 0.1346% | 5,733 |
| Net operating income to assets | 1.4119% | 1,004 |
| Return on assets (ROA) | 1.4102% | 1,073 |
| Pretax return on assets | 1.7663% | 907 |
| Return on Equity (ROE) | 12.3866% | 1,313 |
| Retained earnings to average equity (ytd only) | 7.1988% | 1,507 |
| Net charge-offs to loans | 0.0770% | 5,435 |
| Credit loss provision to net charge-offs | 291.8919% | 1,599 |
| Earnings coverage of net charge-offs (x) | 41.2613% | 794 |
| Efficiency ratio | 52.7626% | 7,455 |
| Assets per employee ($millions) | 4.6703% | 2,498 |
| Cash dividends to net income (ytd only)* | 41.8827% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 5,679 |
| Loan loss allowance to noncurrent loans | 140.4246% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 5,799 |
| Noncurrent loans to loans | 0.7747% | 5,682 |
| Net loans and leases to total assets | 58.2552% | 5,929 |
| Net loans and leases to deposits | 66.2874% | 6,362 |
| Net loans and leases to core deposits | 82.6615% | 6,187 |
| Total domestic deposits to total assets | 87.8827% | 1,823 |
| Equity capital to assets | 11.3902% | 2,605 |
| Core capital (leverage) ratio | 10.4749% | 2,831 |
| Tier 1 risk-based capital ratio | 15.3293% | 2,880 |
| Total risk-based capital ratio | 16.2821% | 2,942 |
| Memoranda: | ||
| Average total assets | $962,682,000 | 725 |
| Average earning assets | $891,487,330 | 705 |
| Average equity | $109,602,330 | 614 |
| Average total loans | $576,414,330 | 862 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6596% | 3,996 |
| Cost of funding earning assets | 1.9992% | 4,135 |
| Net interest margin | 3.6604% | 4,060 |
| Noninterest income to average assets | 0.8376% | 2,137 |
| Noninterest expense to average assets | 2.2738% | 6,621 |
| Loan and lease loss provision to assets | 0.1552% | 4,945 |
| Net operating income to assets | 1.4207% | 1,097 |
| Return on assets (ROA) | 1.4211% | 1,183 |
| Pretax return on assets | 1.7965% | 978 |
| Return on Equity (ROE) | 12.4847% | 1,519 |
| Retained earnings to average equity (ytd only) | 12.4847% | 716 |
| Net charge-offs to loans | 0.0764% | 4,415 |
| Credit loss provision to net charge-offs | 336.3636% | 1,477 |
| Earnings coverage of net charge-offs (x) | 42.2909% | 811 |
| Efficiency ratio | 51.0573% | 7,506 |
| Assets per employee ($millions) | 4.1526% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 5,735 |
| Loan loss allowance to noncurrent loans | 207.8125% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 5,968 |
| Noncurrent loans to loans | 0.5114% | 6,148 |
| Net loans and leases to total assets | 58.3678% | 5,885 |
| Net loans and leases to deposits | 66.3921% | 6,343 |
| Net loans and leases to core deposits | 82.2873% | 6,217 |
| Total domestic deposits to total assets | 87.9138% | 1,780 |
| Equity capital to assets | 11.3007% | 2,719 |
| Core capital (leverage) ratio | 10.6271% | 2,807 |
| Tier 1 risk-based capital ratio | 15.2935% | 2,944 |
| Total risk-based capital ratio | 16.2265% | 3,012 |
| Memoranda: | ||
| Average total assets | $953,644,500 | 733 |
| Average earning assets | $882,534,500 | 716 |
| Average equity | $108,548,500 | 615 |
| Average total loans | $575,808,500 | 866 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0186% | 5,456 |
| Cost of funding earning assets | 2.2640% | 5,316 |
| Net interest margin | 3.7546% | 4,209 |
| Noninterest income to average assets | 0.9326% | 1,845 |
| Noninterest expense to average assets | 2.3388% | 6,593 |
| Loan and lease loss provision to assets | 0.1240% | 5,777 |
| Net operating income to assets | 1.5149% | 988 |
| Return on assets (ROA) | 1.5324% | 925 |
| Pretax return on assets | 1.9498% | 696 |
| Return on Equity (ROE) | 13.2285% | 1,274 |
| Retained earnings to average equity (ytd only) | 7.9243% | 867 |
| Net charge-offs to loans | 0.0886% | 5,474 |
| Credit loss provision to net charge-offs | 233.1250% | 2,038 |
| Earnings coverage of net charge-offs (x) | 38.5625% | 968 |
| Efficiency ratio | 50.4431% | 7,629 |
| Assets per employee ($millions) | 4.2726% | 3,001 |
| Cash dividends to net income (ytd only)* | 40.0969% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 5,870 |
| Loan loss allowance to noncurrent loans | 238.1301% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 5,794 |
| Noncurrent loans to loans | 0.4272% | 6,057 |
| Net loans and leases to total assets | 61.2020% | 5,739 |
| Net loans and leases to deposits | 69.6914% | 6,300 |
| Net loans and leases to core deposits | 86.7486% | 6,082 |
| Total domestic deposits to total assets | 87.8186% | 1,550 |
| Equity capital to assets | 11.4682% | 2,657 |
| Core capital (leverage) ratio | 10.7310% | 2,793 |
| Tier 1 risk-based capital ratio | 14.7299% | 3,187 |
| Total risk-based capital ratio | 15.6231% | 3,272 |
| Memoranda: | ||
| Average total assets | $902,138,400 | 737 |
| Average earning assets | $830,878,800 | 726 |
| Average equity | $104,502,000 | 644 |
| Average total loans | $542,000,400 | 884 |