Home > Bryant Bank > Performance and Condition Ratios
Bryant Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 1,497 |
| Cost of funding earning assets | 1.3515% | 2,354 |
| Net interest margin | 3.9468% | 1,281 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.0050% | 3,612 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.9266% | 516 |
| Return on assets (ROA) | 1.9266% | 493 |
| Pretax return on assets | 2.0477% | 626 |
| Return on Equity (ROE) | 21.4000% | 507 |
| Retained earnings to average equity (ytd only) | 7.9335% | 1,559 |
| Net charge-offs to loans | -0.0073% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.9879% | 4,041 |
| Assets per employee ($millions) | 8.7317% | 1,096 |
| Cash dividends to net income (ytd only)* | 62.9353% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,299 |
| Loan loss allowance to noncurrent loans | 136.8499% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 1,210 |
| Noncurrent loans to loans | 0.7311% | 1,066 |
| Net loans and leases to total assets | 47.5200% | 3,752 |
| Net loans and leases to deposits | 58.2324% | 3,623 |
| Net loans and leases to core deposits | 63.3714% | 3,619 |
| Total domestic deposits to total assets | 81.6000% | 3,201 |
| Equity capital to assets | 9.4362% | 2,394 |
| Core capital (leverage) ratio | 9.7147% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9631% | 1,082 |
| Memoranda: | ||
| Average total assets | $2,474,265,200 | 473 |
| Average earning assets | $2,350,670,200 | 453 |
| Average equity | $222,702,400 | 493 |
| Average total loans | $1,143,772,000 | 662 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 1,601 |
| Cost of funding earning assets | 1.2120% | 2,398 |
| Net interest margin | 3.9046% | 1,389 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.9712% | 3,666 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.9472% | 538 |
| Return on assets (ROA) | 1.9472% | 530 |
| Pretax return on assets | 2.0695% | 695 |
| Return on Equity (ROE) | 21.9000% | 567 |
| Retained earnings to average equity (ytd only) | 3.6441% | 3,345 |
| Net charge-offs to loans | -0.0064% | 3,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.4300% | 4,021 |
| Assets per employee ($millions) | 8.5027% | 1,121 |
| Cash dividends to net income (ytd only)* | 83.3634% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,357 |
| Loan loss allowance to noncurrent loans | 130.4793% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 1,176 |
| Noncurrent loans to loans | 0.7677% | 1,083 |
| Net loans and leases to total assets | 47.3000% | 3,773 |
| Net loans and leases to deposits | 57.4380% | 3,634 |
| Net loans and leases to core deposits | 62.3434% | 3,601 |
| Total domestic deposits to total assets | 82.3500% | 3,152 |
| Equity capital to assets | 9.1937% | 2,295 |
| Core capital (leverage) ratio | 9.5612% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6306% | 1,171 |
| Memoranda: | ||
| Average total assets | $2,464,148,750 | 477 |
| Average earning assets | $2,342,226,000 | 453 |
| Average equity | $219,054,500 | 498 |
| Average total loans | $1,127,958,000 | 667 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 120,169.0000% | 6 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 264,761.0000% | 8 |
| Cost of funding earning assets | 485.0000% | 7 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.8266% | 625 |
| Pretax return on assets | 1.9420% | 818 |
| Return on Equity (ROE) | 20.7800% | 632 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0018% | 2,320 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,289 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.8711% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0328% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 29.0000% | 6 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0001% | 4,548 |
| Total domestic deposits to total assets | 4.0000% | 4,579 |
| Equity capital to assets | 11,225.0000% | 30 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,877,000 | 4,645 |
| Average earning assets | $6,596 | 4,621 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 1,826 |
| Cost of funding earning assets | 0.7861% | 2,787 |
| Net interest margin | 3.9232% | 1,425 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.0338% | 3,545 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.8823% | 591 |
| Return on assets (ROA) | 1.8823% | 584 |
| Pretax return on assets | 2.0051% | 776 |
| Return on Equity (ROE) | 22.0400% | 578 |
| Retained earnings to average equity (ytd only) | 12.7561% | 1,132 |
| Net charge-offs to loans | -0.0033% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.0214% | 3,934 |
| Assets per employee ($millions) | 8.4216% | 1,155 |
| Cash dividends to net income (ytd only)* | 42.1124% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 3,535 |
| Loan loss allowance to noncurrent loans | 134.2905% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 966 |
| Noncurrent loans to loans | 0.7424% | 1,031 |
| Net loans and leases to total assets | 46.7400% | 3,732 |
| Net loans and leases to deposits | 56.9671% | 3,513 |
| Net loans and leases to core deposits | 61.1803% | 3,493 |
| Total domestic deposits to total assets | 82.0400% | 3,480 |
| Equity capital to assets | 9.2785% | 2,306 |
| Core capital (leverage) ratio | 9.3039% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5057% | 1,068 |
| Memoranda: | ||
| Average total assets | $2,523,109,500 | 462 |
| Average earning assets | $2,393,684,500 | 443 |
| Average equity | $215,521,000 | 508 |
| Average total loans | $1,101,949,500 | 669 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1147% | 3,964 |
| Cost of funding earning assets | 0.2443% | 3,374 |
| Net interest margin | 2.8705% | 3,752 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.8716% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1681% | 1,899 |
| Return on assets (ROA) | 1.1681% | 1,835 |
| Pretax return on assets | 1.2444% | 2,294 |
| Return on Equity (ROE) | 14.7300% | 1,329 |
| Retained earnings to average equity (ytd only) | 7.8737% | 1,888 |
| Net charge-offs to loans | -0.0132% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.0643% | 3,052 |
| Assets per employee ($millions) | 9.7140% | 740 |
| Cash dividends to net income (ytd only)* | 46.5534% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,281 |
| Loan loss allowance to noncurrent loans | 100.9084% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 1,061 |
| Noncurrent loans to loans | 1.0065% | 724 |
| Net loans and leases to total assets | 40.1200% | 4,066 |
| Net loans and leases to deposits | 46.3600% | 4,040 |
| Net loans and leases to core deposits | 48.8293% | 4,024 |
| Total domestic deposits to total assets | 86.5500% | 2,551 |
| Equity capital to assets | 7.8871% | 3,128 |
| Core capital (leverage) ratio | 8.9760% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2869% | 1,085 |
| Memoranda: | ||
| Average total assets | $2,574,460,400 | 444 |
| Average earning assets | $2,453,522,800 | 428 |
| Average equity | $204,136,200 | 518 |
| Average total loans | $1,059,791,000 | 652 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7743% | 4,218 |
| Cost of funding earning assets | 0.2038% | 3,222 |
| Net interest margin | 2.5705% | 4,135 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.8531% | 3,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9364% | 2,733 |
| Return on assets (ROA) | 0.9364% | 2,697 |
| Pretax return on assets | 0.9914% | 3,043 |
| Return on Equity (ROE) | 11.7900% | 2,107 |
| Retained earnings to average equity (ytd only) | 5.2082% | 3,020 |
| Net charge-offs to loans | -0.0167% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.1479% | 2,393 |
| Assets per employee ($millions) | 8.8763% | 939 |
| Cash dividends to net income (ytd only)* | 55.8347% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,263 |
| Loan loss allowance to noncurrent loans | 99.5561% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 1,028 |
| Noncurrent loans to loans | 1.0529% | 725 |
| Net loans and leases to total assets | 42.1900% | 3,977 |
| Net loans and leases to deposits | 49.7779% | 3,870 |
| Net loans and leases to core deposits | 52.6751% | 3,823 |
| Total domestic deposits to total assets | 84.7600% | 3,340 |
| Equity capital to assets | 8.1722% | 2,777 |
| Core capital (leverage) ratio | 8.5156% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3286% | 1,118 |
| Memoranda: | ||
| Average total assets | $2,550,240,500 | 446 |
| Average earning assets | $2,434,753,000 | 431 |
| Average equity | $202,497,750 | 525 |
| Average total loans | $1,054,037,500 | 653 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4189% | 4,448 |
| Cost of funding earning assets | 0.1612% | 3,431 |
| Net interest margin | 2.2578% | 4,376 |
| Noninterest income to average assets | 0.3933% | 2,798 |
| Noninterest expense to average assets | 1.8200% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6927% | 3,329 |
| Return on assets (ROA) | 0.6927% | 3,283 |
| Pretax return on assets | 0.7306% | 3,497 |
| Return on Equity (ROE) | 8.8051% | 2,755 |
| Retained earnings to average equity (ytd only) | 4.8646% | 2,755 |
| Net charge-offs to loans | -0.0061% | 3,406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3548% | 1,789 |
| Assets per employee ($millions) | 9.3925% | 779 |
| Cash dividends to net income (ytd only)* | 44.7527% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,355 |
| Loan loss allowance to noncurrent loans | 927.5980% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 2,848 |
| Noncurrent loans to loans | 0.1136% | 3,173 |
| Net loans and leases to total assets | 40.6334% | 4,046 |
| Net loans and leases to deposits | 48.2152% | 3,910 |
| Net loans and leases to core deposits | 51.0913% | 3,870 |
| Total domestic deposits to total assets | 84.2752% | 3,632 |
| Equity capital to assets | 7.9682% | 3,146 |
| Core capital (leverage) ratio | 8.2191% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5435% | 1,064 |
| Memoranda: | ||
| Average total assets | $2,580,745,333 | 439 |
| Average earning assets | $2,465,973,000 | 428 |
| Average equity | $203,019,667 | 523 |
| Average total loans | $1,055,927,333 | 635 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1962% | 4,533 |
| Cost of funding earning assets | 0.1428% | 3,591 |
| Net interest margin | 2.0534% | 4,478 |
| Noninterest income to average assets | 0.3765% | 2,830 |
| Noninterest expense to average assets | 1.8016% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5134% | 3,673 |
| Return on assets (ROA) | 0.5134% | 3,642 |
| Pretax return on assets | 0.5383% | 3,791 |
| Return on Equity (ROE) | 6.5667% | 3,172 |
| Retained earnings to average equity (ytd only) | 6.5667% | 2,046 |
| Net charge-offs to loans | 0.0652% | 677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 20.2069% | 1,277 |
| Efficiency ratio | 76.9940% | 1,409 |
| Assets per employee ($millions) | 9.6017% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,649 |
| Loan loss allowance to noncurrent loans | 560.5456% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 2,763 |
| Noncurrent loans to loans | 0.1812% | 2,909 |
| Net loans and leases to total assets | 40.1640% | 4,002 |
| Net loans and leases to deposits | 47.8419% | 3,877 |
| Net loans and leases to core deposits | 50.6881% | 3,834 |
| Total domestic deposits to total assets | 83.9515% | 3,779 |
| Equity capital to assets | 7.8019% | 3,728 |
| Core capital (leverage) ratio | 8.0077% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3040% | 1,186 |
| Memoranda: | ||
| Average total assets | $2,612,528,500 | 440 |
| Average earning assets | $2,498,120,500 | 425 |
| Average equity | $204,242,000 | 538 |
| Average total loans | $1,067,038,000 | 617 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3831% | 4,549 |
| Cost of funding earning assets | 0.1954% | 3,521 |
| Net interest margin | 2.1877% | 4,492 |
| Noninterest income to average assets | 0.4834% | 2,662 |
| Noninterest expense to average assets | 1.8137% | 4,119 |
| Loan and lease loss provision to assets | 0.0039% | 2,995 |
| Net operating income to assets | 0.7220% | 3,563 |
| Return on assets (ROA) | 0.7220% | 3,627 |
| Pretax return on assets | 0.7585% | 3,821 |
| Return on Equity (ROE) | 9.1528% | 2,855 |
| Retained earnings to average equity (ytd only) | 6.1551% | 2,290 |
| Net charge-offs to loans | -0.0029% | 3,430 |
| Credit loss provision to net charge-offs | -303.0303% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4051% | 1,694 |
| Assets per employee ($millions) | 9.8970% | 684 |
| Cash dividends to net income (ytd only)* | 32.7511% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 3,737 |
| Loan loss allowance to noncurrent loans | 284.0178% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 2,924 |
| Noncurrent loans to loans | 0.3533% | 2,318 |
| Net loans and leases to total assets | 40.6935% | 4,049 |
| Net loans and leases to deposits | 49.4998% | 3,916 |
| Net loans and leases to core deposits | 52.5985% | 3,852 |
| Total domestic deposits to total assets | 82.2096% | 3,930 |
| Equity capital to assets | 7.8334% | 4,455 |
| Core capital (leverage) ratio | 7.9817% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1287% | 1,232 |
| Memoranda: | ||
| Average total assets | $2,537,396,400 | 430 |
| Average earning assets | $2,427,194,200 | 415 |
| Average equity | $200,158,200 | 547 |
| Average total loans | $1,145,295,000 | 580 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4519% | 4,605 |
| Cost of funding earning assets | 0.2091% | 3,524 |
| Net interest margin | 2.2428% | 4,531 |
| Noninterest income to average assets | 0.4892% | 2,670 |
| Noninterest expense to average assets | 1.8199% | 4,127 |
| Loan and lease loss provision to assets | 0.0053% | 2,869 |
| Net operating income to assets | 0.7656% | 3,612 |
| Return on assets (ROA) | 0.7656% | 3,672 |
| Pretax return on assets | 0.8082% | 3,877 |
| Return on Equity (ROE) | 9.6875% | 2,850 |
| Retained earnings to average equity (ytd only) | 5.6603% | 2,975 |
| Net charge-offs to loans | 0.0079% | 2,022 |
| Credit loss provision to net charge-offs | 144.9275% | 1,372 |
| Earnings coverage of net charge-offs (x) | 222.2609% | 522 |
| Efficiency ratio | 69.1093% | 1,696 |
| Assets per employee ($millions) | 9.5891% | 741 |
| Cash dividends to net income (ytd only)* | 41.5714% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,894 |
| Loan loss allowance to noncurrent loans | 265.8838% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 3,058 |
| Noncurrent loans to loans | 0.3711% | 2,451 |
| Net loans and leases to total assets | 42.3065% | 4,070 |
| Net loans and leases to deposits | 52.3792% | 3,852 |
| Net loans and leases to core deposits | 55.8053% | 3,791 |
| Total domestic deposits to total assets | 80.7698% | 4,122 |
| Equity capital to assets | 8.0129% | 4,517 |
| Core capital (leverage) ratio | 7.8509% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6176% | 1,449 |
| Memoranda: | ||
| Average total assets | $2,513,594,500 | 437 |
| Average earning assets | $2,403,017,500 | 419 |
| Average equity | $198,642,000 | 550 |
| Average total loans | $1,161,079,250 | 585 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5310% | 4,594 |
| Cost of funding earning assets | 0.2219% | 3,542 |
| Net interest margin | 2.3091% | 4,509 |
| Noninterest income to average assets | 0.4910% | 2,660 |
| Noninterest expense to average assets | 1.8355% | 4,108 |
| Loan and lease loss provision to assets | 0.0080% | 2,755 |
| Net operating income to assets | 0.8057% | 3,496 |
| Return on assets (ROA) | 0.8057% | 3,569 |
| Pretax return on assets | 0.8506% | 3,765 |
| Return on Equity (ROE) | 10.2436% | 2,663 |
| Retained earnings to average equity (ytd only) | 4.1438% | 3,479 |
| Net charge-offs to loans | 0.0149% | 1,651 |
| Credit loss provision to net charge-offs | 113.6364% | 1,290 |
| Earnings coverage of net charge-offs (x) | 122.0227% | 663 |
| Efficiency ratio | 68.1299% | 1,868 |
| Assets per employee ($millions) | 9.3500% | 759 |
| Cash dividends to net income (ytd only)* | 59.5474% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 3,995 |
| Loan loss allowance to noncurrent loans | 257.6434% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 3,124 |
| Noncurrent loans to loans | 0.3690% | 2,575 |
| Net loans and leases to total assets | 44.7988% | 3,987 |
| Net loans and leases to deposits | 54.1493% | 3,849 |
| Net loans and leases to core deposits | 58.1895% | 3,749 |
| Total domestic deposits to total assets | 82.7320% | 3,763 |
| Equity capital to assets | 8.0244% | 4,517 |
| Core capital (leverage) ratio | 8.0588% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0279% | 1,619 |
| Memoranda: | ||
| Average total assets | $2,501,228,333 | 434 |
| Average earning assets | $2,386,466,333 | 418 |
| Average equity | $196,728,000 | 551 |
| Average total loans | $1,184,817,333 | 582 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6428% | 4,536 |
| Cost of funding earning assets | 0.2404% | 3,557 |
| Net interest margin | 2.4025% | 4,410 |
| Noninterest income to average assets | 0.4907% | 2,651 |
| Noninterest expense to average assets | 1.8436% | 4,126 |
| Loan and lease loss provision to assets | 0.0160% | 2,566 |
| Net operating income to assets | 0.8802% | 3,180 |
| Return on assets (ROA) | 0.8803% | 3,259 |
| Pretax return on assets | 0.9323% | 3,534 |
| Return on Equity (ROE) | 11.3067% | 2,268 |
| Retained earnings to average equity (ytd only) | 3.0986% | 3,750 |
| Net charge-offs to loans | 0.0300% | 1,188 |
| Credit loss provision to net charge-offs | 109.8901% | 1,072 |
| Earnings coverage of net charge-offs (x) | 65.2088% | 786 |
| Efficiency ratio | 66.0390% | 2,229 |
| Assets per employee ($millions) | 9.6588% | 661 |
| Cash dividends to net income (ytd only)* | 72.5953% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 4,188 |
| Loan loss allowance to noncurrent loans | 220.0287% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 3,144 |
| Noncurrent loans to loans | 0.4039% | 2,654 |
| Net loans and leases to total assets | 47.8526% | 3,836 |
| Net loans and leases to deposits | 58.9459% | 3,567 |
| Net loans and leases to core deposits | 63.2279% | 3,480 |
| Total domestic deposits to total assets | 81.1806% | 4,038 |
| Equity capital to assets | 7.9141% | 4,538 |
| Core capital (leverage) ratio | 8.0052% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,503,612,000 | 432 |
| Average earning assets | $2,397,874,500 | 415 |
| Average equity | $194,928,500 | 545 |
| Average total loans | $1,212,665,500 | 569 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0055% | 4,626 |
| Cost of funding earning assets | 0.3879% | 3,658 |
| Net interest margin | 2.6176% | 4,479 |
| Noninterest income to average assets | 0.4769% | 2,745 |
| Noninterest expense to average assets | 2.0107% | 4,119 |
| Loan and lease loss provision to assets | 0.0225% | 4,116 |
| Net operating income to assets | 0.8973% | 2,714 |
| Return on assets (ROA) | 0.8973% | 2,844 |
| Pretax return on assets | 0.9428% | 3,244 |
| Return on Equity (ROE) | 10.1729% | 1,947 |
| Retained earnings to average equity (ytd only) | 4.8069% | 2,367 |
| Net charge-offs to loans | -0.0047% | 4,112 |
| Credit loss provision to net charge-offs | -879.6296% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5658% | 2,285 |
| Assets per employee ($millions) | 9.7494% | 575 |
| Cash dividends to net income (ytd only)* | 52.7482% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 4,244 |
| Loan loss allowance to noncurrent loans | 211.3520% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 3,265 |
| Noncurrent loans to loans | 0.4168% | 2,730 |
| Net loans and leases to total assets | 48.1634% | 3,964 |
| Net loans and leases to deposits | 59.4527% | 3,802 |
| Net loans and leases to core deposits | 63.6829% | 3,712 |
| Total domestic deposits to total assets | 81.0113% | 3,867 |
| Equity capital to assets | 7.6579% | 4,811 |
| Core capital (leverage) ratio | 8.0645% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,112,749,600 | 457 |
| Average earning assets | $2,017,042,000 | 442 |
| Average equity | $186,357,600 | 542 |
| Average total loans | $1,144,997,200 | 562 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1743% | 4,613 |
| Cost of funding earning assets | 0.4350% | 3,608 |
| Net interest margin | 2.7392% | 4,416 |
| Noninterest income to average assets | 0.4713% | 2,736 |
| Noninterest expense to average assets | 2.0820% | 3,986 |
| Loan and lease loss provision to assets | 0.0314% | 3,941 |
| Net operating income to assets | 0.9208% | 2,623 |
| Return on assets (ROA) | 0.9209% | 2,754 |
| Pretax return on assets | 0.9681% | 3,168 |
| Return on Equity (ROE) | 10.0290% | 2,010 |
| Retained earnings to average equity (ytd only) | 4.2627% | 2,919 |
| Net charge-offs to loans | -0.0151% | 4,333 |
| Credit loss provision to net charge-offs | -371.0938% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5659% | 2,240 |
| Assets per employee ($millions) | 8.6914% | 777 |
| Cash dividends to net income (ytd only)* | 57.4960% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 4,089 |
| Loan loss allowance to noncurrent loans | 207.1360% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 3,282 |
| Noncurrent loans to loans | 0.4321% | 2,760 |
| Net loans and leases to total assets | 53.3227% | 3,860 |
| Net loans and leases to deposits | 66.1648% | 3,602 |
| Net loans and leases to core deposits | 71.7457% | 3,494 |
| Total domestic deposits to total assets | 80.5907% | 3,754 |
| Equity capital to assets | 8.4509% | 4,487 |
| Core capital (leverage) ratio | 8.3471% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,014,541,250 | 463 |
| Average earning assets | $1,919,603,000 | 452 |
| Average equity | $184,978,250 | 536 |
| Average total loans | $1,126,872,250 | 564 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3675% | 4,574 |
| Cost of funding earning assets | 0.4860% | 3,616 |
| Net interest margin | 2.8815% | 4,338 |
| Noninterest income to average assets | 0.4412% | 2,851 |
| Noninterest expense to average assets | 2.1403% | 3,948 |
| Loan and lease loss provision to assets | 0.0490% | 3,691 |
| Net operating income to assets | 0.9433% | 2,525 |
| Return on assets (ROA) | 0.9435% | 2,652 |
| Pretax return on assets | 0.9937% | 3,050 |
| Return on Equity (ROE) | 9.9689% | 1,993 |
| Retained earnings to average equity (ytd only) | 5.6085% | 2,232 |
| Net charge-offs to loans | -0.0251% | 4,478 |
| Credit loss provision to net charge-offs | -344.2029% | 3,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2458% | 2,344 |
| Assets per employee ($millions) | 8.6029% | 781 |
| Cash dividends to net income (ytd only)* | 43.7397% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 4,008 |
| Loan loss allowance to noncurrent loans | 205.3191% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 3,343 |
| Noncurrent loans to loans | 0.4381% | 2,845 |
| Net loans and leases to total assets | 55.1429% | 3,764 |
| Net loans and leases to deposits | 69.5817% | 3,450 |
| Net loans and leases to core deposits | 75.8644% | 3,294 |
| Total domestic deposits to total assets | 79.2491% | 3,990 |
| Equity capital to assets | 8.7448% | 4,319 |
| Core capital (leverage) ratio | 8.8404% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3023% | 1,698 |
| Memoranda: | ||
| Average total assets | $1,938,590,667 | 472 |
| Average earning assets | $1,844,454,667 | 462 |
| Average equity | $183,470,333 | 540 |
| Average total loans | $1,100,329,000 | 568 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 4,311 |
| Cost of funding earning assets | 0.6018% | 3,428 |
| Net interest margin | 3.1428% | 4,004 |
| Noninterest income to average assets | 0.4129% | 3,010 |
| Noninterest expense to average assets | 2.2726% | 3,830 |
| Loan and lease loss provision to assets | 0.1039% | 2,383 |
| Net operating income to assets | 0.9622% | 2,310 |
| Return on assets (ROA) | 0.9629% | 2,410 |
| Pretax return on assets | 1.0191% | 2,785 |
| Return on Equity (ROE) | 9.7372% | 1,829 |
| Retained earnings to average equity (ytd only) | 0.8872% | 3,774 |
| Net charge-offs to loans | -0.0271% | 4,431 |
| Credit loss provision to net charge-offs | -669.0141% | 3,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9395% | 2,830 |
| Assets per employee ($millions) | 7.0992% | 1,054 |
| Cash dividends to net income (ytd only)* | 90.8884% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 3,684 |
| Loan loss allowance to noncurrent loans | 214.8630% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 3,351 |
| Noncurrent loans to loans | 0.4673% | 2,846 |
| Net loans and leases to total assets | 58.2654% | 3,651 |
| Net loans and leases to deposits | 71.5119% | 3,478 |
| Net loans and leases to core deposits | 78.8196% | 3,297 |
| Total domestic deposits to total assets | 81.4766% | 3,550 |
| Equity capital to assets | 10.0930% | 3,693 |
| Core capital (leverage) ratio | 9.7672% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7866% | 1,976 |
| Memoranda: | ||
| Average total assets | $1,828,227,500 | 482 |
| Average earning assets | $1,734,744,000 | 470 |
| Average equity | $180,792,000 | 544 |
| Average total loans | $1,049,735,000 | 572 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 3,747 |
| Cost of funding earning assets | 0.6959% | 3,176 |
| Net interest margin | 3.5301% | 3,350 |
| Noninterest income to average assets | 0.4063% | 3,257 |
| Noninterest expense to average assets | 2.2527% | 4,059 |
| Loan and lease loss provision to assets | 0.0154% | 3,708 |
| Net operating income to assets | 1.4331% | 1,233 |
| Return on assets (ROA) | 1.4339% | 1,300 |
| Pretax return on assets | 1.4754% | 1,885 |
| Return on Equity (ROE) | 14.2626% | 848 |
| Retained earnings to average equity (ytd only) | 4.9948% | 2,419 |
| Net charge-offs to loans | 0.0444% | 2,498 |
| Credit loss provision to net charge-offs | 58.6283% | 3,053 |
| Earnings coverage of net charge-offs (x) | 56.6084% | 1,025 |
| Efficiency ratio | 60.1889% | 3,664 |
| Assets per employee ($millions) | 7.4156% | 890 |
| Cash dividends to net income (ytd only)* | 64.9799% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 3,576 |
| Loan loss allowance to noncurrent loans | 200.6890% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 3,318 |
| Noncurrent loans to loans | 0.4933% | 2,706 |
| Net loans and leases to total assets | 55.4425% | 3,960 |
| Net loans and leases to deposits | 69.0823% | 3,735 |
| Net loans and leases to core deposits | 76.1442% | 3,567 |
| Total domestic deposits to total assets | 80.2557% | 3,923 |
| Equity capital to assets | 9.6873% | 4,190 |
| Core capital (leverage) ratio | 9.9933% | 3,528 |
| Tier 1 risk-based capital ratio | 14.2128% | 3,164 |
| Total risk-based capital ratio | 15.0266% | 3,285 |
| Memoranda: | ||
| Average total assets | $1,717,201,800 | 492 |
| Average earning assets | $1,623,015,800 | 476 |
| Average equity | $172,640,800 | 536 |
| Average total loans | $1,018,100,600 | 565 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3213% | 3,593 |
| Cost of funding earning assets | 0.7121% | 3,150 |
| Net interest margin | 3.6092% | 3,223 |
| Noninterest income to average assets | 0.4043% | 3,290 |
| Noninterest expense to average assets | 2.2520% | 4,064 |
| Loan and lease loss provision to assets | 0.0032% | 3,801 |
| Net operating income to assets | 1.5186% | 1,140 |
| Return on assets (ROA) | 1.5194% | 1,194 |
| Pretax return on assets | 1.5597% | 1,782 |
| Return on Equity (ROE) | 14.9646% | 781 |
| Retained earnings to average equity (ytd only) | 5.6224% | 2,557 |
| Net charge-offs to loans | 0.0168% | 2,804 |
| Credit loss provision to net charge-offs | 31.2500% | 2,909 |
| Earnings coverage of net charge-offs (x) | 154.3772% | 531 |
| Efficiency ratio | 59.0466% | 3,797 |
| Assets per employee ($millions) | 6.9899% | 1,029 |
| Cash dividends to net income (ytd only)* | 62.4285% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 3,602 |
| Loan loss allowance to noncurrent loans | 323.3040% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 3,833 |
| Noncurrent loans to loans | 0.3072% | 3,429 |
| Net loans and leases to total assets | 59.2050% | 3,747 |
| Net loans and leases to deposits | 72.7783% | 3,573 |
| Net loans and leases to core deposits | 80.4951% | 3,354 |
| Total domestic deposits to total assets | 81.3498% | 3,651 |
| Equity capital to assets | 10.2151% | 3,804 |
| Core capital (leverage) ratio | 10.2289% | 3,388 |
| Tier 1 risk-based capital ratio | 14.1656% | 3,245 |
| Total risk-based capital ratio | 14.9910% | 3,362 |
| Memoranda: | ||
| Average total assets | $1,686,737,750 | 505 |
| Average earning assets | $1,593,461,000 | 487 |
| Average equity | $171,262,250 | 542 |
| Average total loans | $1,015,172,000 | 566 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 3,534 |
| Cost of funding earning assets | 0.6847% | 3,252 |
| Net interest margin | 3.6490% | 3,106 |
| Noninterest income to average assets | 0.4039% | 3,256 |
| Noninterest expense to average assets | 2.2517% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5563% | 998 |
| Return on assets (ROA) | 1.5571% | 1,038 |
| Pretax return on assets | 1.5997% | 1,553 |
| Return on Equity (ROE) | 15.3682% | 689 |
| Retained earnings to average equity (ytd only) | 5.9188% | 2,321 |
| Net charge-offs to loans | 0.0216% | 2,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 122.5688% | 597 |
| Efficiency ratio | 58.4771% | 3,942 |
| Assets per employee ($millions) | 6.9925% | 1,002 |
| Cash dividends to net income (ytd only)* | 61.4864% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 3,509 |
| Loan loss allowance to noncurrent loans | 261.4660% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 3,637 |
| Noncurrent loans to loans | 0.3895% | 3,131 |
| Net loans and leases to total assets | 59.0105% | 3,823 |
| Net loans and leases to deposits | 72.6913% | 3,622 |
| Net loans and leases to core deposits | 80.6776% | 3,369 |
| Total domestic deposits to total assets | 81.1795% | 3,756 |
| Equity capital to assets | 10.2655% | 3,728 |
| Core capital (leverage) ratio | 10.7482% | 2,839 |
| Tier 1 risk-based capital ratio | 14.2999% | 3,161 |
| Total risk-based capital ratio | 15.1421% | 3,278 |
| Memoranda: | ||
| Average total assets | $1,671,154,000 | 504 |
| Average earning assets | $1,578,499,000 | 487 |
| Average equity | $169,323,670 | 544 |
| Average total loans | $1,008,027,330 | 569 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 3,318 |
| Cost of funding earning assets | 0.6744% | 3,180 |
| Net interest margin | 3.7003% | 2,890 |
| Noninterest income to average assets | 0.3784% | 3,332 |
| Noninterest expense to average assets | 2.2348% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6020% | 887 |
| Return on assets (ROA) | 1.6028% | 917 |
| Pretax return on assets | 1.6452% | 1,360 |
| Return on Equity (ROE) | 15.9254% | 599 |
| Retained earnings to average equity (ytd only) | 6.3520% | 2,293 |
| Net charge-offs to loans | 0.0040% | 2,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 682.7000% | 98 |
| Efficiency ratio | 57.6094% | 4,133 |
| Assets per employee ($millions) | 6.9770% | 1,009 |
| Cash dividends to net income (ytd only)* | 60.1142% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,531 |
| Loan loss allowance to noncurrent loans | 331.7978% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 3,856 |
| Noncurrent loans to loans | 0.3100% | 3,457 |
| Net loans and leases to total assets | 60.8669% | 3,614 |
| Net loans and leases to deposits | 74.3905% | 3,420 |
| Net loans and leases to core deposits | 82.7302% | 3,131 |
| Total domestic deposits to total assets | 81.8208% | 3,773 |
| Equity capital to assets | 10.3306% | 3,497 |
| Core capital (leverage) ratio | 10.4249% | 3,139 |
| Tier 1 risk-based capital ratio | 14.1264% | 3,286 |
| Total risk-based capital ratio | 14.9779% | 3,391 |
| Memoranda: | ||
| Average total assets | $1,660,637,000 | 513 |
| Average earning assets | $1,571,118,000 | 493 |
| Average equity | $167,129,500 | 549 |
| Average total loans | $1,007,620,500 | 570 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 3,535 |
| Cost of funding earning assets | 0.4805% | 3,475 |
| Net interest margin | 3.6875% | 3,086 |
| Noninterest income to average assets | 0.4106% | 3,378 |
| Noninterest expense to average assets | 2.2988% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5739% | 942 |
| Return on assets (ROA) | 1.5741% | 930 |
| Pretax return on assets | 1.5971% | 1,479 |
| Return on Equity (ROE) | 16.6542% | 525 |
| Retained earnings to average equity (ytd only) | 8.7394% | 957 |
| Net charge-offs to loans | -0.0757% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0085% | 4,013 |
| Assets per employee ($millions) | 7.1866% | 908 |
| Cash dividends to net income (ytd only)* | 47.5248% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,496 |
| Loan loss allowance to noncurrent loans | 755.0545% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 4,398 |
| Noncurrent loans to loans | 0.1366% | 4,122 |
| Net loans and leases to total assets | 59.2572% | 3,843 |
| Net loans and leases to deposits | 71.8722% | 3,683 |
| Net loans and leases to core deposits | 80.0770% | 3,424 |
| Total domestic deposits to total assets | 82.4480% | 3,504 |
| Equity capital to assets | 9.8044% | 3,860 |
| Core capital (leverage) ratio | 10.5101% | 3,018 |
| Tier 1 risk-based capital ratio | 13.8474% | 3,361 |
| Total risk-based capital ratio | 14.6959% | 3,481 |
| Memoranda: | ||
| Average total assets | $1,604,080,200 | 511 |
| Average earning assets | $1,516,072,000 | 492 |
| Average equity | $151,613,000 | 564 |
| Average total loans | $967,362,800 | 574 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 3,531 |
| Cost of funding earning assets | 0.4395% | 3,603 |
| Net interest margin | 3.6914% | 3,054 |
| Noninterest income to average assets | 0.3766% | 3,622 |
| Noninterest expense to average assets | 2.2849% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5288% | 1,124 |
| Return on assets (ROA) | 1.5297% | 1,125 |
| Pretax return on assets | 1.5806% | 1,635 |
| Return on Equity (ROE) | 16.3461% | 634 |
| Retained earnings to average equity (ytd only) | 5.5572% | 2,921 |
| Net charge-offs to loans | -0.1071% | 5,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1231% | 3,947 |
| Assets per employee ($millions) | 6.7648% | 1,038 |
| Cash dividends to net income (ytd only)* | 66.0030% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 3,275 |
| Loan loss allowance to noncurrent loans | 712.1668% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 4,504 |
| Noncurrent loans to loans | 0.1524% | 4,201 |
| Net loans and leases to total assets | 59.7209% | 3,873 |
| Net loans and leases to deposits | 71.8073% | 3,787 |
| Net loans and leases to core deposits | 80.5257% | 3,454 |
| Total domestic deposits to total assets | 83.1683% | 3,241 |
| Equity capital to assets | 9.7773% | 3,842 |
| Core capital (leverage) ratio | 10.2955% | 3,295 |
| Tier 1 risk-based capital ratio | 13.7662% | 3,480 |
| Total risk-based capital ratio | 14.6497% | 3,604 |
| Memoranda: | ||
| Average total assets | $1,584,682,000 | 514 |
| Average earning assets | $1,497,397,750 | 494 |
| Average equity | $148,296,750 | 574 |
| Average total loans | $957,479,750 | 577 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,652 |
| Cost of funding earning assets | 0.3892% | 3,811 |
| Net interest margin | 3.6498% | 3,117 |
| Noninterest income to average assets | 0.3707% | 3,678 |
| Noninterest expense to average assets | 2.3394% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4791% | 1,204 |
| Return on assets (ROA) | 1.4800% | 1,200 |
| Pretax return on assets | 1.4800% | 1,889 |
| Return on Equity (ROE) | 16.0556% | 661 |
| Retained earnings to average equity (ytd only) | 5.0905% | 3,024 |
| Net charge-offs to loans | -0.0638% | 5,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2646% | 3,728 |
| Assets per employee ($millions) | 6.9053% | 964 |
| Cash dividends to net income (ytd only)* | 68.2943% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,612 |
| Loan loss allowance to noncurrent loans | 824.7722% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 4,531 |
| Noncurrent loans to loans | 0.1257% | 4,346 |
| Net loans and leases to total assets | 60.6199% | 3,750 |
| Net loans and leases to deposits | 71.8968% | 3,722 |
| Net loans and leases to core deposits | 81.3675% | 3,295 |
| Total domestic deposits to total assets | 84.3152% | 2,953 |
| Equity capital to assets | 9.8303% | 3,792 |
| Core capital (leverage) ratio | 10.3144% | 3,227 |
| Tier 1 risk-based capital ratio | 13.7484% | 3,480 |
| Total risk-based capital ratio | 14.6045% | 3,624 |
| Memoranda: | ||
| Average total assets | $1,583,003,330 | 514 |
| Average earning assets | $1,495,386,000 | 494 |
| Average equity | $145,918,330 | 580 |
| Average total loans | $956,702,000 | 580 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 3,908 |
| Cost of funding earning assets | 0.3666% | 3,863 |
| Net interest margin | 3.5408% | 3,386 |
| Noninterest income to average assets | 0.3073% | 4,105 |
| Noninterest expense to average assets | 2.2857% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3684% | 1,428 |
| Return on assets (ROA) | 1.3692% | 1,440 |
| Pretax return on assets | 1.3692% | 2,109 |
| Return on Equity (ROE) | 15.3562% | 739 |
| Retained earnings to average equity (ytd only) | 4.0752% | 3,572 |
| Net charge-offs to loans | -0.1742% | 5,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5516% | 3,697 |
| Assets per employee ($millions) | 7.0827% | 930 |
| Cash dividends to net income (ytd only)* | 73.4619% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,686 |
| Loan loss allowance to noncurrent loans | 650.2584% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 4,524 |
| Noncurrent loans to loans | 0.1609% | 4,256 |
| Net loans and leases to total assets | 61.0940% | 3,635 |
| Net loans and leases to deposits | 71.7785% | 3,632 |
| Net loans and leases to core deposits | 82.7681% | 3,084 |
| Total domestic deposits to total assets | 85.1146% | 2,895 |
| Equity capital to assets | 9.0860% | 4,469 |
| Core capital (leverage) ratio | 9.4105% | 4,173 |
| Tier 1 risk-based capital ratio | 12.6305% | 4,154 |
| Total risk-based capital ratio | 13.4968% | 4,305 |
| Memoranda: | ||
| Average total assets | $1,590,748,000 | 515 |
| Average earning assets | $1,503,595,000 | 497 |
| Average equity | $141,832,000 | 604 |
| Average total loans | $954,962,500 | 582 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,214 |
| Cost of funding earning assets | 0.3180% | 3,974 |
| Net interest margin | 3.4328% | 3,742 |
| Noninterest income to average assets | 0.2674% | 4,522 |
| Noninterest expense to average assets | 2.1688% | 4,601 |
| Loan and lease loss provision to assets | 0.0802% | 2,597 |
| Net operating income to assets | 1.2570% | 1,336 |
| Return on assets (ROA) | 1.2570% | 1,362 |
| Pretax return on assets | 1.2570% | 2,522 |
| Return on Equity (ROE) | 13.9767% | 764 |
| Retained earnings to average equity (ytd only) | 5.2372% | 1,974 |
| Net charge-offs to loans | 0.0290% | 3,228 |
| Credit loss provision to net charge-offs | 469.3487% | 665 |
| Earnings coverage of net charge-offs (x) | 78.2222% | 783 |
| Efficiency ratio | 61.8585% | 3,960 |
| Assets per employee ($millions) | 7.3122% | 840 |
| Cash dividends to net income (ytd only)* | 62.5293% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,823 |
| Loan loss allowance to noncurrent loans | 552.3755% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 4,579 |
| Noncurrent loans to loans | 0.1843% | 4,181 |
| Net loans and leases to total assets | 57.7987% | 4,022 |
| Net loans and leases to deposits | 68.0379% | 4,025 |
| Net loans and leases to core deposits | 78.3095% | 3,561 |
| Total domestic deposits to total assets | 84.9507% | 2,853 |
| Equity capital to assets | 8.7530% | 4,922 |
| Core capital (leverage) ratio | 9.5059% | 4,046 |
| Tier 1 risk-based capital ratio | 12.6964% | 4,092 |
| Total risk-based capital ratio | 13.5396% | 4,249 |
| Memoranda: | ||
| Average total assets | $1,526,689,600 | 511 |
| Average earning assets | $1,440,359,800 | 493 |
| Average equity | $137,306,800 | 596 |
| Average total loans | $900,855,200 | 587 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,233 |
| Cost of funding earning assets | 0.3129% | 4,000 |
| Net interest margin | 3.4202% | 3,777 |
| Noninterest income to average assets | 0.2706% | 4,567 |
| Noninterest expense to average assets | 2.1675% | 4,597 |
| Loan and lease loss provision to assets | 0.0821% | 2,452 |
| Net operating income to assets | 1.2526% | 1,504 |
| Return on assets (ROA) | 1.2526% | 1,528 |
| Pretax return on assets | 1.2526% | 2,691 |
| Return on Equity (ROE) | 13.8275% | 871 |
| Retained earnings to average equity (ytd only) | 4.0319% | 3,525 |
| Net charge-offs to loans | 0.0292% | 2,846 |
| Credit loss provision to net charge-offs | 474.3590% | 675 |
| Earnings coverage of net charge-offs (x) | 77.1344% | 830 |
| Efficiency ratio | 61.8897% | 3,899 |
| Assets per employee ($millions) | 6.6751% | 1,087 |
| Cash dividends to net income (ytd only)* | 70.8416% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,918 |
| Loan loss allowance to noncurrent loans | 534.0896% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 4,549 |
| Noncurrent loans to loans | 0.1924% | 4,310 |
| Net loans and leases to total assets | 60.9326% | 3,774 |
| Net loans and leases to deposits | 71.5056% | 3,825 |
| Net loans and leases to core deposits | 82.6917% | 3,231 |
| Total domestic deposits to total assets | 85.2138% | 2,632 |
| Equity capital to assets | 9.3865% | 4,559 |
| Core capital (leverage) ratio | 9.6437% | 3,993 |
| Tier 1 risk-based capital ratio | 12.7292% | 4,189 |
| Total risk-based capital ratio | 13.5718% | 4,328 |
| Memoranda: | ||
| Average total assets | $1,502,533,750 | 521 |
| Average earning assets | $1,419,666,750 | 501 |
| Average equity | $136,111,500 | 603 |
| Average total loans | $889,093,250 | 597 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 4,407 |
| Cost of funding earning assets | 0.3081% | 4,007 |
| Net interest margin | 3.3286% | 4,022 |
| Noninterest income to average assets | 0.3239% | 4,233 |
| Noninterest expense to average assets | 2.1384% | 4,697 |
| Loan and lease loss provision to assets | 0.0962% | 2,074 |
| Net operating income to assets | 1.2345% | 1,487 |
| Return on assets (ROA) | 1.2345% | 1,517 |
| Pretax return on assets | 1.2345% | 2,641 |
| Return on Equity (ROE) | 13.7916% | 845 |
| Retained earnings to average equity (ytd only) | 1.9317% | 4,479 |
| Net charge-offs to loans | 0.0509% | 2,199 |
| Credit loss provision to net charge-offs | 323.6607% | 911 |
| Earnings coverage of net charge-offs (x) | 44.7679% | 1,163 |
| Efficiency ratio | 61.6417% | 4,061 |
| Assets per employee ($millions) | 6.6906% | 1,059 |
| Cash dividends to net income (ytd only)* | 85.9938% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,970 |
| Loan loss allowance to noncurrent loans | 540.4118% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 4,420 |
| Noncurrent loans to loans | 0.1904% | 4,357 |
| Net loans and leases to total assets | 59.4860% | 3,888 |
| Net loans and leases to deposits | 69.5269% | 3,944 |
| Net loans and leases to core deposits | 80.5419% | 3,377 |
| Total domestic deposits to total assets | 85.5582% | 2,587 |
| Equity capital to assets | 9.2113% | 4,712 |
| Core capital (leverage) ratio | 9.5611% | 4,058 |
| Tier 1 risk-based capital ratio | 12.6713% | 4,196 |
| Total risk-based capital ratio | 13.5063% | 4,342 |
| Memoranda: | ||
| Average total assets | $1,507,198,670 | 520 |
| Average earning assets | $1,424,134,000 | 504 |
| Average equity | $134,908,000 | 609 |
| Average total loans | $879,984,000 | 605 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 4,611 |
| Cost of funding earning assets | 0.3069% | 3,971 |
| Net interest margin | 3.2222% | 4,275 |
| Noninterest income to average assets | 0.3135% | 4,309 |
| Noninterest expense to average assets | 2.1123% | 4,821 |
| Loan and lease loss provision to assets | 0.1120% | 1,716 |
| Net operating income to assets | 1.1324% | 1,737 |
| Return on assets (ROA) | 1.1324% | 1,773 |
| Pretax return on assets | 1.1324% | 2,850 |
| Return on Equity (ROE) | 12.8343% | 1,030 |
| Retained earnings to average equity (ytd only) | 0.8899% | 4,697 |
| Net charge-offs to loans | 0.0279% | 2,198 |
| Credit loss provision to net charge-offs | 696.7213% | 462 |
| Earnings coverage of net charge-offs (x) | 77.4262% | 670 |
| Efficiency ratio | 62.9278% | 3,999 |
| Assets per employee ($millions) | 7.0499% | 932 |
| Cash dividends to net income (ytd only)* | 93.0665% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 4,186 |
| Loan loss allowance to noncurrent loans | 464.5791% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,409 |
| Noncurrent loans to loans | 0.2187% | 4,322 |
| Net loans and leases to total assets | 58.7210% | 3,913 |
| Net loans and leases to deposits | 70.2868% | 3,765 |
| Net loans and leases to core deposits | 81.5948% | 3,132 |
| Total domestic deposits to total assets | 83.5450% | 3,639 |
| Equity capital to assets | 8.9622% | 4,842 |
| Core capital (leverage) ratio | 9.2617% | 4,397 |
| Tier 1 risk-based capital ratio | 12.9451% | 4,110 |
| Total risk-based capital ratio | 13.7914% | 4,268 |
| Memoranda: | ||
| Average total assets | $1,518,143,000 | 520 |
| Average earning assets | $1,433,806,500 | 502 |
| Average equity | $133,954,000 | 608 |
| Average total loans | $873,607,000 | 612 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 4,688 |
| Cost of funding earning assets | 0.2956% | 4,115 |
| Net interest margin | 3.2371% | 4,338 |
| Noninterest income to average assets | 0.3674% | 4,116 |
| Noninterest expense to average assets | 2.1781% | 4,828 |
| Loan and lease loss provision to assets | 0.0212% | 3,944 |
| Net operating income to assets | 1.2247% | 1,422 |
| Return on assets (ROA) | 1.2402% | 1,464 |
| Pretax return on assets | 1.2402% | 2,512 |
| Return on Equity (ROE) | 13.8956% | 793 |
| Retained earnings to average equity (ytd only) | 8.1568% | 798 |
| Net charge-offs to loans | 0.1038% | 2,236 |
| Credit loss provision to net charge-offs | 35.9538% | 3,539 |
| Earnings coverage of net charge-offs (x) | 21.0913% | 1,816 |
| Efficiency ratio | 63.6110% | 4,009 |
| Assets per employee ($millions) | 7.3079% | 799 |
| Cash dividends to net income (ytd only)* | 41.2996% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 4,227 |
| Loan loss allowance to noncurrent loans | 365.2649% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 4,326 |
| Noncurrent loans to loans | 0.2777% | 4,162 |
| Net loans and leases to total assets | 55.2375% | 4,327 |
| Net loans and leases to deposits | 66.1163% | 4,235 |
| Net loans and leases to core deposits | 76.0846% | 3,745 |
| Total domestic deposits to total assets | 83.5459% | 3,588 |
| Equity capital to assets | 8.6878% | 5,114 |
| Core capital (leverage) ratio | 9.2807% | 4,373 |
| Tier 1 risk-based capital ratio | 13.3316% | 3,876 |
| Total risk-based capital ratio | 14.1699% | 4,019 |
| Memoranda: | ||
| Average total assets | $1,464,242,400 | 516 |
| Average earning assets | $1,382,627,600 | 502 |
| Average equity | $130,688,400 | 612 |
| Average total loans | $833,192,200 | 608 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5775% | 4,615 |
| Cost of funding earning assets | 0.2940% | 4,169 |
| Net interest margin | 3.2836% | 4,239 |
| Noninterest income to average assets | 0.3856% | 4,023 |
| Noninterest expense to average assets | 2.2404% | 4,671 |
| Loan and lease loss provision to assets | 0.0287% | 3,665 |
| Net operating income to assets | 1.2214% | 1,558 |
| Return on assets (ROA) | 1.2423% | 1,584 |
| Pretax return on assets | 1.2423% | 2,643 |
| Return on Equity (ROE) | 13.8212% | 861 |
| Retained earnings to average equity (ytd only) | 6.1308% | 2,110 |
| Net charge-offs to loans | 0.0919% | 2,037 |
| Credit loss provision to net charge-offs | 54.5614% | 2,975 |
| Earnings coverage of net charge-offs (x) | 23.7948% | 1,705 |
| Efficiency ratio | 64.1863% | 3,899 |
| Assets per employee ($millions) | 6.9463% | 910 |
| Cash dividends to net income (ytd only)* | 55.6421% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 3,998 |
| Loan loss allowance to noncurrent loans | 408.7847% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 4,344 |
| Noncurrent loans to loans | 0.2625% | 4,321 |
| Net loans and leases to total assets | 56.7556% | 4,223 |
| Net loans and leases to deposits | 67.6866% | 4,182 |
| Net loans and leases to core deposits | 77.8952% | 3,672 |
| Total domestic deposits to total assets | 83.8505% | 3,259 |
| Equity capital to assets | 9.2173% | 4,959 |
| Core capital (leverage) ratio | 9.2055% | 4,578 |
| Tier 1 risk-based capital ratio | 13.1410% | 4,073 |
| Total risk-based capital ratio | 14.0254% | 4,205 |
| Memoranda: | ||
| Average total assets | $1,446,639,500 | 524 |
| Average earning assets | $1,367,867,750 | 509 |
| Average equity | $130,028,500 | 615 |
| Average total loans | $827,392,750 | 610 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5894% | 4,621 |
| Cost of funding earning assets | 0.2906% | 4,242 |
| Net interest margin | 3.2988% | 4,238 |
| Noninterest income to average assets | 0.3831% | 4,001 |
| Noninterest expense to average assets | 2.2452% | 4,739 |
| Loan and lease loss provision to assets | 0.0431% | 3,283 |
| Net operating income to assets | 1.2074% | 1,572 |
| Return on assets (ROA) | 1.2389% | 1,570 |
| Pretax return on assets | 1.2389% | 2,639 |
| Return on Equity (ROE) | 13.9024% | 849 |
| Retained earnings to average equity (ytd only) | 2.2341% | 4,455 |
| Net charge-offs to loans | 0.0975% | 1,869 |
| Credit loss provision to net charge-offs | 77.3632% | 2,390 |
| Earnings coverage of net charge-offs (x) | 22.4378% | 1,626 |
| Efficiency ratio | 64.2276% | 3,980 |
| Assets per employee ($millions) | 7.0633% | 848 |
| Cash dividends to net income (ytd only)* | 83.9302% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 4,013 |
| Loan loss allowance to noncurrent loans | 416.8109% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 4,227 |
| Noncurrent loans to loans | 0.2610% | 4,424 |
| Net loans and leases to total assets | 58.0141% | 4,114 |
| Net loans and leases to deposits | 69.4244% | 4,040 |
| Net loans and leases to core deposits | 79.0607% | 3,547 |
| Total domestic deposits to total assets | 83.5645% | 3,438 |
| Equity capital to assets | 9.0770% | 5,184 |
| Core capital (leverage) ratio | 9.0351% | 4,787 |
| Tier 1 risk-based capital ratio | 12.7871% | 4,321 |
| Total risk-based capital ratio | 13.6947% | 4,472 |
| Memoranda: | ||
| Average total assets | $1,442,613,000 | 526 |
| Average earning assets | $1,361,212,670 | 510 |
| Average equity | $128,553,000 | 624 |
| Average total loans | $824,228,670 | 604 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5780% | 4,680 |
| Cost of funding earning assets | 0.2875% | 4,303 |
| Net interest margin | 3.2905% | 4,259 |
| Noninterest income to average assets | 0.3475% | 4,248 |
| Noninterest expense to average assets | 2.2416% | 4,800 |
| Loan and lease loss provision to assets | 0.0238% | 3,375 |
| Net operating income to assets | 1.1829% | 1,609 |
| Return on assets (ROA) | 1.2456% | 1,519 |
| Pretax return on assets | 1.2456% | 2,524 |
| Return on Equity (ROE) | 14.1083% | 816 |
| Retained earnings to average equity (ytd only) | 1.5843% | 4,634 |
| Net charge-offs to loans | 0.0897% | 1,607 |
| Credit loss provision to net charge-offs | 46.9945% | 2,075 |
| Earnings coverage of net charge-offs (x) | 23.8525% | 1,349 |
| Efficiency ratio | 65.0072% | 3,975 |
| Assets per employee ($millions) | 6.9123% | 926 |
| Cash dividends to net income (ytd only)* | 88.7705% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 3,994 |
| Loan loss allowance to noncurrent loans | 217.4833% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 4,068 |
| Noncurrent loans to loans | 0.5106% | 3,648 |
| Net loans and leases to total assets | 56.0942% | 4,247 |
| Net loans and leases to deposits | 68.0500% | 4,055 |
| Net loans and leases to core deposits | 77.5196% | 3,544 |
| Total domestic deposits to total assets | 82.4308% | 4,085 |
| Equity capital to assets | 8.8303% | 5,318 |
| Core capital (leverage) ratio | 8.9290% | 4,939 |
| Tier 1 risk-based capital ratio | 12.6822% | 4,464 |
| Total risk-based capital ratio | 13.5883% | 4,597 |
| Memoranda: | ||
| Average total assets | $1,446,997,500 | 520 |
| Average earning assets | $1,363,563,500 | 506 |
| Average equity | $127,754,500 | 627 |
| Average total loans | $815,852,500 | 608 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 4,718 |
| Cost of funding earning assets | 0.2863% | 4,403 |
| Net interest margin | 3.2973% | 4,300 |
| Noninterest income to average assets | 0.3200% | 4,604 |
| Noninterest expense to average assets | 2.1951% | 5,056 |
| Loan and lease loss provision to assets | 0.0496% | 3,331 |
| Net operating income to assets | 1.1884% | 1,595 |
| Return on assets (ROA) | 1.1885% | 1,668 |
| Pretax return on assets | 1.1885% | 2,699 |
| Return on Equity (ROE) | 13.0630% | 1,048 |
| Retained earnings to average equity (ytd only) | 5.8000% | 1,895 |
| Net charge-offs to loans | 0.0393% | 3,441 |
| Credit loss provision to net charge-offs | 222.7723% | 1,272 |
| Earnings coverage of net charge-offs (x) | 55.6436% | 930 |
| Efficiency ratio | 63.9405% | 4,275 |
| Assets per employee ($millions) | 6.8361% | 949 |
| Cash dividends to net income (ytd only)* | 55.6002% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 3,794 |
| Loan loss allowance to noncurrent loans | 223.7288% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 4,034 |
| Noncurrent loans to loans | 0.5109% | 3,648 |
| Net loans and leases to total assets | 55.3981% | 4,350 |
| Net loans and leases to deposits | 66.5638% | 4,263 |
| Net loans and leases to core deposits | 75.7281% | 3,778 |
| Total domestic deposits to total assets | 83.2255% | 3,758 |
| Equity capital to assets | 8.8276% | 5,284 |
| Core capital (leverage) ratio | 9.0453% | 4,824 |
| Tier 1 risk-based capital ratio | 12.9816% | 4,331 |
| Total risk-based capital ratio | 13.9227% | 4,430 |
| Memoranda: | ||
| Average total assets | $1,361,931,600 | 525 |
| Average earning assets | $1,285,855,400 | 509 |
| Average equity | $123,914,800 | 617 |
| Average total loans | $770,092,000 | 603 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6032% | 4,734 |
| Cost of funding earning assets | 0.2879% | 4,470 |
| Net interest margin | 3.3153% | 4,281 |
| Noninterest income to average assets | 0.3237% | 4,623 |
| Noninterest expense to average assets | 2.1948% | 5,066 |
| Loan and lease loss provision to assets | 0.0149% | 3,971 |
| Net operating income to assets | 1.2458% | 1,507 |
| Return on assets (ROA) | 1.2458% | 1,557 |
| Pretax return on assets | 1.2458% | 2,623 |
| Return on Equity (ROE) | 13.5843% | 984 |
| Retained earnings to average equity (ytd only) | 6.5419% | 1,933 |
| Net charge-offs to loans | -0.1005% | 5,788 |
| Credit loss provision to net charge-offs | -26.1780% | 4,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5151% | 4,332 |
| Assets per employee ($millions) | 6.5765% | 1,037 |
| Cash dividends to net income (ytd only)* | 51.8424% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 3,397 |
| Loan loss allowance to noncurrent loans | 244.7308% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 4,172 |
| Noncurrent loans to loans | 0.5088% | 3,820 |
| Net loans and leases to total assets | 55.3387% | 4,420 |
| Net loans and leases to deposits | 67.0121% | 4,282 |
| Net loans and leases to core deposits | 77.9603% | 3,610 |
| Total domestic deposits to total assets | 82.5802% | 3,959 |
| Equity capital to assets | 9.2220% | 5,093 |
| Core capital (leverage) ratio | 9.2243% | 4,698 |
| Tier 1 risk-based capital ratio | 13.6283% | 4,067 |
| Total risk-based capital ratio | 14.6631% | 4,112 |
| Memoranda: | ||
| Average total assets | $1,341,810,000 | 534 |
| Average earning assets | $1,267,559,250 | 520 |
| Average equity | $123,060,750 | 625 |
| Average total loans | $760,537,000 | 611 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5605% | 4,831 |
| Cost of funding earning assets | 0.2848% | 4,559 |
| Net interest margin | 3.2757% | 4,393 |
| Noninterest income to average assets | 0.3210% | 4,656 |
| Noninterest expense to average assets | 2.1672% | 5,189 |
| Loan and lease loss provision to assets | 0.0225% | 3,681 |
| Net operating income to assets | 1.2250% | 1,527 |
| Return on assets (ROA) | 1.2250% | 1,601 |
| Pretax return on assets | 1.2250% | 2,673 |
| Return on Equity (ROE) | 13.3826% | 1,041 |
| Retained earnings to average equity (ytd only) | 2.7120% | 4,336 |
| Net charge-offs to loans | 0.0026% | 3,809 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 830.2000% | 75 |
| Efficiency ratio | 63.4659% | 4,435 |
| Assets per employee ($millions) | 6.6509% | 986 |
| Cash dividends to net income (ytd only)* | 79.7350% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 3,960 |
| Loan loss allowance to noncurrent loans | 215.1935% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 4,137 |
| Noncurrent loans to loans | 0.5447% | 3,820 |
| Net loans and leases to total assets | 55.7057% | 4,369 |
| Net loans and leases to deposits | 66.9246% | 4,233 |
| Net loans and leases to core deposits | 76.7509% | 3,694 |
| Total domestic deposits to total assets | 83.2365% | 3,858 |
| Equity capital to assets | 8.9075% | 5,333 |
| Core capital (leverage) ratio | 9.2974% | 4,558 |
| Tier 1 risk-based capital ratio | 13.2674% | 4,364 |
| Total risk-based capital ratio | 14.2475% | 4,437 |
| Memoranda: | ||
| Average total assets | $1,330,920,330 | 533 |
| Average earning assets | $1,257,002,330 | 519 |
| Average equity | $121,829,670 | 632 |
| Average total loans | $757,312,670 | 614 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 4,704 |
| Cost of funding earning assets | 0.2861% | 4,599 |
| Net interest margin | 3.3102% | 4,172 |
| Noninterest income to average assets | 0.3058% | 4,743 |
| Noninterest expense to average assets | 2.1636% | 5,244 |
| Loan and lease loss provision to assets | 0.0304% | 3,282 |
| Net operating income to assets | 1.2344% | 1,450 |
| Return on assets (ROA) | 1.2344% | 1,538 |
| Pretax return on assets | 1.2344% | 2,532 |
| Return on Equity (ROE) | 13.2994% | 1,025 |
| Retained earnings to average equity (ytd only) | 13.2994% | 416 |
| Net charge-offs to loans | 0.0474% | 2,319 |
| Credit loss provision to net charge-offs | 112.3596% | 1,490 |
| Earnings coverage of net charge-offs (x) | 46.7079% | 883 |
| Efficiency ratio | 63.1079% | 4,613 |
| Assets per employee ($millions) | 6.5997% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 4,079 |
| Loan loss allowance to noncurrent loans | 251.4585% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 4,297 |
| Noncurrent loans to loans | 0.4698% | 4,172 |
| Net loans and leases to total assets | 56.5558% | 4,142 |
| Net loans and leases to deposits | 68.8737% | 3,871 |
| Net loans and leases to core deposits | 78.6766% | 3,308 |
| Total domestic deposits to total assets | 82.1153% | 4,479 |
| Equity capital to assets | 9.4789% | 4,771 |
| Core capital (leverage) ratio | 9.4961% | 4,281 |
| Tier 1 risk-based capital ratio | 13.9598% | 4,050 |
| Total risk-based capital ratio | 14.9565% | 4,123 |
| Memoranda: | ||
| Average total assets | $1,314,659,500 | 536 |
| Average earning assets | $1,240,182,000 | 520 |
| Average equity | $122,020,500 | 626 |
| Average total loans | $751,707,500 | 615 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7054% | 4,768 |
| Cost of funding earning assets | 0.3023% | 4,769 |
| Net interest margin | 3.4031% | 4,186 |
| Noninterest income to average assets | 0.2911% | 5,033 |
| Noninterest expense to average assets | 2.3026% | 5,109 |
| Loan and lease loss provision to assets | 0.0914% | 2,636 |
| Net operating income to assets | 1.0859% | 2,029 |
| Return on assets (ROA) | 1.1017% | 2,021 |
| Pretax return on assets | 1.1017% | 3,077 |
| Return on Equity (ROE) | 12.2683% | 1,334 |
| Retained earnings to average equity (ytd only) | 9.7453% | 559 |
| Net charge-offs to loans | -0.0174% | 5,673 |
| Credit loss provision to net charge-offs | -934.9593% | 5,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1686% | 4,220 |
| Assets per employee ($millions) | 6.4827% | 1,060 |
| Cash dividends to net income (ytd only)* | 20.5657% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 4,126 |
| Loan loss allowance to noncurrent loans | 206.9545% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 4,190 |
| Noncurrent loans to loans | 0.5700% | 3,957 |
| Net loans and leases to total assets | 56.4521% | 4,266 |
| Net loans and leases to deposits | 67.5579% | 4,167 |
| Net loans and leases to core deposits | 77.3722% | 3,578 |
| Total domestic deposits to total assets | 83.5611% | 3,896 |
| Equity capital to assets | 9.0845% | 5,197 |
| Core capital (leverage) ratio | 9.4060% | 4,373 |
| Tier 1 risk-based capital ratio | 14.0043% | 4,092 |
| Total risk-based capital ratio | 15.0343% | 4,180 |
| Memoranda: | ||
| Average total assets | $1,257,888,600 | 534 |
| Average earning assets | $1,178,661,800 | 525 |
| Average equity | $112,957,400 | 648 |
| Average total loans | $706,668,400 | 616 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 4,853 |
| Cost of funding earning assets | 0.3071% | 4,820 |
| Net interest margin | 3.3943% | 4,263 |
| Noninterest income to average assets | 0.2689% | 5,280 |
| Noninterest expense to average assets | 2.2681% | 5,186 |
| Loan and lease loss provision to assets | 0.1126% | 2,166 |
| Net operating income to assets | 1.0662% | 2,169 |
| Return on assets (ROA) | 1.0662% | 2,238 |
| Pretax return on assets | 1.0662% | 3,317 |
| Return on Equity (ROE) | 11.9101% | 1,501 |
| Retained earnings to average equity (ytd only) | 8.4963% | 1,148 |
| Net charge-offs to loans | -0.0422% | 5,847 |
| Credit loss provision to net charge-offs | -477.2727% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8008% | 4,245 |
| Assets per employee ($millions) | 6.1500% | 1,232 |
| Cash dividends to net income (ytd only)* | 28.6634% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 4,216 |
| Loan loss allowance to noncurrent loans | 221.9885% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 4,275 |
| Noncurrent loans to loans | 0.5410% | 4,308 |
| Net loans and leases to total assets | 58.9934% | 3,938 |
| Net loans and leases to deposits | 70.7087% | 3,833 |
| Net loans and leases to core deposits | 81.8040% | 3,119 |
| Total domestic deposits to total assets | 83.4316% | 3,982 |
| Equity capital to assets | 9.3297% | 5,006 |
| Core capital (leverage) ratio | 9.4242% | 4,479 |
| Tier 1 risk-based capital ratio | 13.5779% | 4,488 |
| Total risk-based capital ratio | 14.6095% | 4,568 |
| Memoranda: | ||
| Average total assets | $1,243,364,250 | 541 |
| Average earning assets | $1,164,130,500 | 527 |
| Average equity | $111,309,000 | 656 |
| Average total loans | $695,393,000 | 621 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 5,091 |
| Cost of funding earning assets | 0.3092% | 4,888 |
| Net interest margin | 3.3131% | 4,535 |
| Noninterest income to average assets | 0.2859% | 5,137 |
| Noninterest expense to average assets | 2.2378% | 5,319 |
| Loan and lease loss provision to assets | 0.1365% | 1,814 |
| Net operating income to assets | 1.0050% | 2,304 |
| Return on assets (ROA) | 1.0050% | 2,370 |
| Pretax return on assets | 1.0050% | 3,456 |
| Return on Equity (ROE) | 11.3850% | 1,605 |
| Retained earnings to average equity (ytd only) | 6.2017% | 2,214 |
| Net charge-offs to loans | 0.1906% | 1,883 |
| Credit loss provision to net charge-offs | 130.9707% | 1,599 |
| Earnings coverage of net charge-offs (x) | 10.9553% | 2,195 |
| Efficiency ratio | 66.2217% | 4,332 |
| Assets per employee ($millions) | 6.1477% | 1,200 |
| Cash dividends to net income (ytd only)* | 45.5272% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 4,927 |
| Loan loss allowance to noncurrent loans | 179.1360% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 4,027 |
| Noncurrent loans to loans | 0.6120% | 4,191 |
| Net loans and leases to total assets | 57.2025% | 4,087 |
| Net loans and leases to deposits | 68.0054% | 4,051 |
| Net loans and leases to core deposits | 79.6607% | 3,250 |
| Total domestic deposits to total assets | 84.1146% | 3,887 |
| Equity capital to assets | 9.1027% | 5,203 |
| Core capital (leverage) ratio | 9.2173% | 4,711 |
| Tier 1 risk-based capital ratio | 13.2657% | 4,745 |
| Total risk-based capital ratio | 14.1867% | 4,893 |
| Memoranda: | ||
| Average total assets | $1,245,770,330 | 540 |
| Average earning assets | $1,163,143,670 | 528 |
| Average equity | $109,969,000 | 662 |
| Average total loans | $681,154,670 | 627 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 5,414 |
| Cost of funding earning assets | 0.3134% | 4,938 |
| Net interest margin | 3.1894% | 4,954 |
| Noninterest income to average assets | 0.3391% | 4,662 |
| Noninterest expense to average assets | 2.2449% | 5,341 |
| Loan and lease loss provision to assets | 0.0638% | 2,848 |
| Net operating income to assets | 1.0109% | 2,173 |
| Return on assets (ROA) | 1.0157% | 2,215 |
| Pretax return on assets | 1.0157% | 3,265 |
| Return on Equity (ROE) | 11.6852% | 1,499 |
| Retained earnings to average equity (ytd only) | 11.6852% | 651 |
| Net charge-offs to loans | 0.0120% | 3,367 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 168.4500% | 295 |
| Efficiency ratio | 67.6244% | 4,242 |
| Assets per employee ($millions) | 6.2176% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 4,933 |
| Loan loss allowance to noncurrent loans | 136.3796% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 3,547 |
| Noncurrent loans to loans | 0.8346% | 3,798 |
| Net loans and leases to total assets | 55.1351% | 4,264 |
| Net loans and leases to deposits | 66.0691% | 4,087 |
| Net loans and leases to core deposits | 77.0178% | 3,305 |
| Total domestic deposits to total assets | 83.4507% | 4,465 |
| Equity capital to assets | 9.0647% | 5,037 |
| Core capital (leverage) ratio | 9.1121% | 4,853 |
| Tier 1 risk-based capital ratio | 13.5779% | 4,618 |
| Total risk-based capital ratio | 14.5170% | 4,780 |
| Memoranda: | ||
| Average total assets | $1,253,882,000 | 539 |
| Average earning assets | $1,171,754,500 | 527 |
| Average equity | $108,992,500 | 663 |
| Average total loans | $666,168,000 | 645 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5646% | 5,497 |
| Cost of funding earning assets | 0.3678% | 4,978 |
| Net interest margin | 3.1968% | 5,013 |
| Noninterest income to average assets | 0.1804% | 6,004 |
| Noninterest expense to average assets | 2.2819% | 5,425 |
| Loan and lease loss provision to assets | 0.0859% | 3,399 |
| Net operating income to assets | 0.7913% | 3,331 |
| Return on assets (ROA) | 0.7983% | 3,397 |
| Pretax return on assets | 0.7983% | 4,147 |
| Return on Equity (ROE) | 9.0752% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.0752% | 761 |
| Net charge-offs to loans | 0.2688% | 2,358 |
| Credit loss provision to net charge-offs | 61.1985% | 3,521 |
| Earnings coverage of net charge-offs (x) | 6.2524% | 3,097 |
| Efficiency ratio | 72.2346% | 3,434 |
| Assets per employee ($millions) | 6.6472% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 4,813 |
| Loan loss allowance to noncurrent loans | 159.2701% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 3,672 |
| Noncurrent loans to loans | 0.7344% | 4,119 |
| Net loans and leases to total assets | 50.0146% | 5,080 |
| Net loans and leases to deposits | 59.7025% | 4,962 |
| Net loans and leases to core deposits | 68.6131% | 4,434 |
| Total domestic deposits to total assets | 83.7731% | 4,256 |
| Equity capital to assets | 8.3369% | 5,747 |
| Core capital (leverage) ratio | 8.8712% | 5,181 |
| Tier 1 risk-based capital ratio | 13.6745% | 4,534 |
| Total risk-based capital ratio | 14.6251% | 4,680 |
| Memoranda: | ||
| Average total assets | $1,177,623,600 | 555 |
| Average earning assets | $1,097,230,800 | 542 |
| Average equity | $103,590,200 | 685 |
| Average total loans | $614,655,800 | 680 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 5,451 |
| Cost of funding earning assets | 0.3846% | 4,955 |
| Net interest margin | 3.2103% | 4,964 |
| Noninterest income to average assets | 0.1878% | 6,067 |
| Noninterest expense to average assets | 2.2799% | 5,405 |
| Loan and lease loss provision to assets | 0.1136% | 2,872 |
| Net operating income to assets | 0.7801% | 3,460 |
| Return on assets (ROA) | 0.7897% | 3,532 |
| Pretax return on assets | 0.7897% | 4,332 |
| Return on Equity (ROE) | 8.8485% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.8485% | 1,101 |
| Net charge-offs to loans | 0.4229% | 1,512 |
| Credit loss provision to net charge-offs | 51.0406% | 3,475 |
| Earnings coverage of net charge-offs (x) | 4.0151% | 3,559 |
| Efficiency ratio | 71.8399% | 3,438 |
| Assets per employee ($millions) | 6.3549% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 5,005 |
| Loan loss allowance to noncurrent loans | 137.4152% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1675% | 3,322 |
| Noncurrent loans to loans | 0.8529% | 4,117 |
| Net loans and leases to total assets | 52.8861% | 4,767 |
| Net loans and leases to deposits | 63.4514% | 4,572 |
| Net loans and leases to core deposits | 74.0269% | 3,845 |
| Total domestic deposits to total assets | 83.3490% | 4,444 |
| Equity capital to assets | 9.0205% | 5,161 |
| Core capital (leverage) ratio | 9.1763% | 4,868 |
| Tier 1 risk-based capital ratio | 13.7518% | 4,598 |
| Total risk-based capital ratio | 14.6922% | 4,747 |
| Memoranda: | ||
| Average total assets | $1,151,303,250 | 571 |
| Average earning assets | $1,070,762,750 | 554 |
| Average equity | $102,749,000 | 697 |
| Average total loans | $606,011,250 | 689 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 5,576 |
| Cost of funding earning assets | 0.3953% | 4,985 |
| Net interest margin | 3.1613% | 5,081 |
| Noninterest income to average assets | 0.3310% | 5,045 |
| Noninterest expense to average assets | 2.4265% | 4,977 |
| Loan and lease loss provision to assets | 0.0783% | 3,498 |
| Net operating income to assets | 0.7706% | 3,462 |
| Return on assets (ROA) | 0.7851% | 3,541 |
| Pretax return on assets | 0.7851% | 4,367 |
| Return on Equity (ROE) | 8.8287% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.8287% | 1,181 |
| Net charge-offs to loans | 0.5158% | 1,273 |
| Credit loss provision to net charge-offs | 28.9864% | 3,605 |
| Earnings coverage of net charge-offs (x) | 3.1440% | 3,476 |
| Efficiency ratio | 74.0833% | 3,114 |
| Assets per employee ($millions) | 6.5127% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 5,150 |
| Loan loss allowance to noncurrent loans | 96.0172% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.4227% | 2,966 |
| Noncurrent loans to loans | 1.2175% | 3,520 |
| Net loans and leases to total assets | 51.7515% | 4,897 |
| Net loans and leases to deposits | 61.1205% | 4,846 |
| Net loans and leases to core deposits | 71.0437% | 4,163 |
| Total domestic deposits to total assets | 84.6713% | 4,055 |
| Equity capital to assets | 8.8326% | 5,411 |
| Core capital (leverage) ratio | 8.9789% | 5,028 |
| Tier 1 risk-based capital ratio | 13.5143% | 4,758 |
| Total risk-based capital ratio | 14.4386% | 4,939 |
| Memoranda: | ||
| Average total assets | $1,147,419,670 | 572 |
| Average earning assets | $1,068,671,000 | 555 |
| Average equity | $102,030,670 | 706 |
| Average total loans | $600,570,000 | 692 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5263% | 5,643 |
| Cost of funding earning assets | 0.4064% | 5,042 |
| Net interest margin | 3.1199% | 5,194 |
| Noninterest income to average assets | 0.3071% | 5,234 |
| Noninterest expense to average assets | 2.4736% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7418% | 3,465 |
| Return on assets (ROA) | 0.7710% | 3,466 |
| Pretax return on assets | 0.7710% | 4,291 |
| Return on Equity (ROE) | 8.6411% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.6411% | 1,510 |
| Net charge-offs to loans | 0.1961% | 2,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.2295% | 2,100 |
| Efficiency ratio | 76.9290% | 2,776 |
| Assets per employee ($millions) | 6.4423% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 4,533 |
| Loan loss allowance to noncurrent loans | 157.0892% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 3,154 |
| Noncurrent loans to loans | 0.8504% | 4,419 |
| Net loans and leases to total assets | 51.4566% | 4,777 |
| Net loans and leases to deposits | 61.7647% | 4,582 |
| Net loans and leases to core deposits | 72.3556% | 3,777 |
| Total domestic deposits to total assets | 83.3107% | 4,755 |
| Equity capital to assets | 8.9964% | 5,487 |
| Core capital (leverage) ratio | 8.9592% | 4,952 |
| Tier 1 risk-based capital ratio | 13.5146% | 4,859 |
| Total risk-based capital ratio | 14.5669% | 4,952 |
| Memoranda: | ||
| Average total assets | $1,138,241,000 | 583 |
| Average earning assets | $1,061,051,000 | 566 |
| Average equity | $101,561,500 | 720 |
| Average total loans | $595,633,500 | 697 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 6,047 |
| Cost of funding earning assets | 0.4977% | 5,234 |
| Net interest margin | 3.2060% | 5,555 |
| Noninterest income to average assets | 0.3044% | 5,266 |
| Noninterest expense to average assets | 2.3612% | 5,521 |
| Loan and lease loss provision to assets | 0.1256% | 4,045 |
| Net operating income to assets | 0.8032% | 3,274 |
| Return on assets (ROA) | 0.8032% | 3,525 |
| Pretax return on assets | 0.8032% | 4,281 |
| Return on Equity (ROE) | 8.8075% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.8075% | 878 |
| Net charge-offs to loans | 0.4155% | 2,582 |
| Credit loss provision to net charge-offs | 55.2907% | 4,571 |
| Earnings coverage of net charge-offs (x) | 4.0899% | 3,486 |
| Efficiency ratio | 71.7696% | 3,463 |
| Assets per employee ($millions) | 6.7631% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 4,262 |
| Loan loss allowance to noncurrent loans | 119.9883% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.6074% | 2,981 |
| Noncurrent loans to loans | 1.1506% | 3,924 |
| Net loans and leases to total assets | 51.7811% | 4,957 |
| Net loans and leases to deposits | 61.1109% | 4,897 |
| Net loans and leases to core deposits | 71.5205% | 4,101 |
| Total domestic deposits to total assets | 84.7331% | 3,977 |
| Equity capital to assets | 8.8487% | 5,688 |
| Core capital (leverage) ratio | 9.0834% | 4,760 |
| Tier 1 risk-based capital ratio | 13.3210% | 4,884 |
| Total risk-based capital ratio | 14.4199% | 4,925 |
| Memoranda: | ||
| Average total assets | $1,052,909,200 | 626 |
| Average earning assets | $980,507,000 | 606 |
| Average equity | $96,020,200 | 736 |
| Average total loans | $575,402,200 | 720 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 6,137 |
| Cost of funding earning assets | 0.5170% | 5,330 |
| Net interest margin | 3.2305% | 5,615 |
| Noninterest income to average assets | 0.3116% | 5,293 |
| Noninterest expense to average assets | 2.3654% | 5,503 |
| Loan and lease loss provision to assets | 0.0415% | 5,256 |
| Net operating income to assets | 0.9127% | 2,918 |
| Return on assets (ROA) | 0.9127% | 3,143 |
| Pretax return on assets | 0.9127% | 4,058 |
| Return on Equity (ROE) | 9.9270% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.9270% | 935 |
| Net charge-offs to loans | 0.2086% | 3,480 |
| Credit loss provision to net charge-offs | 35.9865% | 4,703 |
| Earnings coverage of net charge-offs (x) | 8.2803% | 2,470 |
| Efficiency ratio | 71.2562% | 3,459 |
| Assets per employee ($millions) | 6.2875% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 3,846 |
| Loan loss allowance to noncurrent loans | 85.8210% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 2.0447% | 2,589 |
| Noncurrent loans to loans | 1.7751% | 3,117 |
| Net loans and leases to total assets | 51.9062% | 5,062 |
| Net loans and leases to deposits | 63.1971% | 4,815 |
| Net loans and leases to core deposits | 78.4016% | 3,406 |
| Total domestic deposits to total assets | 82.1338% | 4,970 |
| Equity capital to assets | 9.1164% | 5,689 |
| Core capital (leverage) ratio | 9.2280% | 4,709 |
| Tier 1 risk-based capital ratio | 13.9806% | 4,540 |
| Total risk-based capital ratio | 15.2210% | 4,497 |
| Memoranda: | ||
| Average total assets | $1,032,086,000 | 644 |
| Average earning assets | $960,983,000 | 621 |
| Average equity | $94,890,500 | 748 |
| Average total loans | $570,109,250 | 728 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 6,241 |
| Cost of funding earning assets | 0.5464% | 5,328 |
| Net interest margin | 3.2081% | 5,709 |
| Noninterest income to average assets | 0.3090% | 5,341 |
| Noninterest expense to average assets | 2.3887% | 5,496 |
| Loan and lease loss provision to assets | 0.0635% | 4,856 |
| Net operating income to assets | 0.8404% | 3,197 |
| Return on assets (ROA) | 0.8404% | 3,461 |
| Pretax return on assets | 0.8404% | 4,314 |
| Return on Equity (ROE) | 9.1134% | 2,760 |
| Retained earnings to average equity (ytd only) | 9.1134% | 1,232 |
| Net charge-offs to loans | 0.2552% | 3,049 |
| Credit loss provision to net charge-offs | 44.3526% | 4,160 |
| Earnings coverage of net charge-offs (x) | 6.3099% | 2,664 |
| Efficiency ratio | 72.5458% | 3,334 |
| Assets per employee ($millions) | 6.4114% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 3,768 |
| Loan loss allowance to noncurrent loans | 84.1543% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 2.1589% | 2,600 |
| Noncurrent loans to loans | 1.8448% | 3,157 |
| Net loans and leases to total assets | 53.6809% | 4,854 |
| Net loans and leases to deposits | 64.1914% | 4,739 |
| Net loans and leases to core deposits | 81.3406% | 3,044 |
| Total domestic deposits to total assets | 83.6264% | 4,474 |
| Equity capital to assets | 9.1169% | 5,565 |
| Core capital (leverage) ratio | 9.1929% | 4,621 |
| Tier 1 risk-based capital ratio | 14.0498% | 4,411 |
| Total risk-based capital ratio | 15.3005% | 4,378 |
| Memoranda: | ||
| Average total assets | $1,013,537,670 | 659 |
| Average earning assets | $942,607,330 | 636 |
| Average equity | $93,466,670 | 752 |
| Average total loans | $569,034,330 | 731 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 6,265 |
| Cost of funding earning assets | 0.5768% | 5,302 |
| Net interest margin | 3.2129% | 5,748 |
| Noninterest income to average assets | 0.3045% | 5,443 |
| Noninterest expense to average assets | 2.5060% | 5,131 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7822% | 3,465 |
| Return on assets (ROA) | 0.7822% | 3,706 |
| Pretax return on assets | 0.7822% | 4,484 |
| Return on Equity (ROE) | 8.4319% | 3,091 |
| Retained earnings to average equity (ytd only) | 8.4319% | 1,807 |
| Net charge-offs to loans | 0.3549% | 2,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.8668% | 2,721 |
| Efficiency ratio | 76.2109% | 2,759 |
| Assets per employee ($millions) | 6.3296% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 3,864 |
| Loan loss allowance to noncurrent loans | 74.8851% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.2172% | 2,678 |
| Noncurrent loans to loans | 2.0918% | 3,039 |
| Net loans and leases to total assets | 53.2834% | 4,839 |
| Net loans and leases to deposits | 64.1786% | 4,609 |
| Net loans and leases to core deposits | 82.9208% | 2,701 |
| Total domestic deposits to total assets | 83.0235% | 4,917 |
| Equity capital to assets | 8.9684% | 5,544 |
| Core capital (leverage) ratio | 9.2978% | 4,372 |
| Tier 1 risk-based capital ratio | 14.3986% | 4,179 |
| Total risk-based capital ratio | 15.6499% | 4,145 |
| Memoranda: | ||
| Average total assets | $994,569,500 | 671 |
| Average earning assets | $923,643,500 | 653 |
| Average equity | $92,269,000 | 758 |
| Average total loans | $566,880,500 | 735 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 5,811 |
| Cost of funding earning assets | 0.7081% | 5,489 |
| Net interest margin | 3.5744% | 4,830 |
| Noninterest income to average assets | 0.3526% | 4,981 |
| Noninterest expense to average assets | 2.5168% | 5,412 |
| Loan and lease loss provision to assets | 0.5502% | 1,895 |
| Net operating income to assets | 0.4728% | 4,532 |
| Return on assets (ROA) | 0.4728% | 4,740 |
| Pretax return on assets | 0.4728% | 5,065 |
| Return on Equity (ROE) | 5.0378% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.0378% | 2,612 |
| Net charge-offs to loans | 1.1384% | 1,493 |
| Credit loss provision to net charge-offs | 79.0470% | 4,497 |
| Earnings coverage of net charge-offs (x) | 1.4698% | 4,666 |
| Efficiency ratio | 71.1008% | 3,766 |
| Assets per employee ($millions) | 5.9816% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 3,478 |
| Loan loss allowance to noncurrent loans | 64.0091% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.6494% | 2,298 |
| Noncurrent loans to loans | 2.5421% | 2,584 |
| Net loans and leases to total assets | 59.1476% | 4,165 |
| Net loans and leases to deposits | 72.0302% | 3,786 |
| Net loans and leases to core deposits | 87.6937% | 2,402 |
| Total domestic deposits to total assets | 82.1150% | 5,090 |
| Equity capital to assets | 9.6145% | 4,722 |
| Core capital (leverage) ratio | 9.2404% | 4,406 |
| Tier 1 risk-based capital ratio | 13.7893% | 4,488 |
| Total risk-based capital ratio | 15.0411% | 4,446 |
| Memoranda: | ||
| Average total assets | $940,802,600 | 690 |
| Average earning assets | $838,888,000 | 705 |
| Average equity | $88,292,600 | 762 |
| Average total loans | $575,211,600 | 733 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 5,713 |
| Cost of funding earning assets | 0.7258% | 5,620 |
| Net interest margin | 3.6427% | 4,605 |
| Noninterest income to average assets | 0.2825% | 5,585 |
| Noninterest expense to average assets | 2.4698% | 5,564 |
| Loan and lease loss provision to assets | 0.5461% | 1,800 |
| Net operating income to assets | 0.4832% | 4,613 |
| Return on assets (ROA) | 0.4832% | 4,812 |
| Pretax return on assets | 0.4832% | 5,217 |
| Return on Equity (ROE) | 5.1805% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.1805% | 3,074 |
| Net charge-offs to loans | 1.0943% | 1,452 |
| Credit loss provision to net charge-offs | 81.2817% | 4,103 |
| Earnings coverage of net charge-offs (x) | 1.5319% | 4,489 |
| Efficiency ratio | 70.5844% | 3,838 |
| Assets per employee ($millions) | 6.4200% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 3,218 |
| Loan loss allowance to noncurrent loans | 61.0969% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.5406% | 2,530 |
| Noncurrent loans to loans | 2.8084% | 2,475 |
| Net loans and leases to total assets | 56.7308% | 4,725 |
| Net loans and leases to deposits | 68.6290% | 4,497 |
| Net loans and leases to core deposits | 88.8925% | 2,378 |
| Total domestic deposits to total assets | 82.6631% | 4,818 |
| Equity capital to assets | 9.1575% | 5,575 |
| Core capital (leverage) ratio | 9.3427% | 4,390 |
| Tier 1 risk-based capital ratio | 13.8763% | 4,432 |
| Total risk-based capital ratio | 15.1295% | 4,391 |
| Memoranda: | ||
| Average total assets | $938,233,750 | 704 |
| Average earning assets | $828,484,250 | 723 |
| Average equity | $87,505,500 | 775 |
| Average total loans | $576,053,250 | 741 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 5,787 |
| Cost of funding earning assets | 0.7296% | 5,782 |
| Net interest margin | 3.6411% | 4,557 |
| Noninterest income to average assets | 0.2711% | 5,705 |
| Noninterest expense to average assets | 2.3192% | 6,069 |
| Loan and lease loss provision to assets | 0.5379% | 1,814 |
| Net operating income to assets | 0.6876% | 3,609 |
| Return on assets (ROA) | 0.6876% | 3,728 |
| Pretax return on assets | 0.6876% | 4,426 |
| Return on Equity (ROE) | 7.3253% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.3253% | 1,727 |
| Net charge-offs to loans | 1.0331% | 1,522 |
| Credit loss provision to net charge-offs | 83.0151% | 3,686 |
| Earnings coverage of net charge-offs (x) | 1.8915% | 3,917 |
| Efficiency ratio | 65.4277% | 4,981 |
| Assets per employee ($millions) | 6.2229% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 3,159 |
| Loan loss allowance to noncurrent loans | 60.8654% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 2.7937% | 2,398 |
| Noncurrent loans to loans | 2.8721% | 2,545 |
| Net loans and leases to total assets | 60.4305% | 4,197 |
| Net loans and leases to deposits | 72.6627% | 4,012 |
| Net loans and leases to core deposits | 98.5861% | 1,462 |
| Total domestic deposits to total assets | 83.1657% | 4,693 |
| Equity capital to assets | 9.4414% | 4,905 |
| Core capital (leverage) ratio | 9.8971% | 3,391 |
| Tier 1 risk-based capital ratio | 13.6776% | 4,398 |
| Total risk-based capital ratio | 14.9313% | 4,370 |
| Memoranda: | ||
| Average total assets | $921,419,670 | 724 |
| Average earning assets | $828,439,330 | 728 |
| Average equity | $86,494,670 | 778 |
| Average total loans | $577,845,670 | 749 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 5,848 |
| Cost of funding earning assets | 0.7614% | 5,796 |
| Net interest margin | 3.5891% | 4,618 |
| Noninterest income to average assets | 0.2257% | 6,114 |
| Noninterest expense to average assets | 2.3515% | 6,045 |
| Loan and lease loss provision to assets | 0.4180% | 2,103 |
| Net operating income to assets | 0.6894% | 3,555 |
| Return on assets (ROA) | 0.6894% | 3,628 |
| Pretax return on assets | 0.6894% | 4,346 |
| Return on Equity (ROE) | 7.3663% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.3663% | 1,999 |
| Net charge-offs to loans | 0.7974% | 1,626 |
| Credit loss provision to net charge-offs | 82.7526% | 3,101 |
| Earnings coverage of net charge-offs (x) | 2.1925% | 3,218 |
| Efficiency ratio | 67.9852% | 4,655 |
| Assets per employee ($millions) | 6.1723% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 3,084 |
| Loan loss allowance to noncurrent loans | 57.1468% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 3.1454% | 2,190 |
| Noncurrent loans to loans | 3.1083% | 2,412 |
| Net loans and leases to total assets | 63.4325% | 3,556 |
| Net loans and leases to deposits | 77.3587% | 3,181 |
| Net loans and leases to core deposits | 109.3235% | 767 |
| Total domestic deposits to total assets | 81.9980% | 5,318 |
| Equity capital to assets | 9.4751% | 4,474 |
| Core capital (leverage) ratio | 9.9889% | 3,154 |
| Tier 1 risk-based capital ratio | 13.4268% | 4,477 |
| Total risk-based capital ratio | 14.6809% | 4,455 |
| Memoranda: | ||
| Average total assets | $909,192,000 | 737 |
| Average earning assets | $819,032,500 | 744 |
| Average equity | $85,090,000 | 782 |
| Average total loans | $575,885,000 | 762 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 6,845 |
| Cost of funding earning assets | 0.9034% | 6,164 |
| Net interest margin | 3.3587% | 5,763 |
| Noninterest income to average assets | 0.4869% | 4,270 |
| Noninterest expense to average assets | 2.4274% | 6,019 |
| Loan and lease loss provision to assets | 0.7991% | 2,035 |
| Net operating income to assets | 0.3212% | 4,860 |
| Return on assets (ROA) | 0.3212% | 5,026 |
| Pretax return on assets | 0.3212% | 5,178 |
| Return on Equity (ROE) | 3.4520% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.4520% | 3,452 |
| Net charge-offs to loans | 1.1125% | 2,001 |
| Credit loss provision to net charge-offs | 110.2413% | 3,992 |
| Earnings coverage of net charge-offs (x) | 1.5456% | 4,584 |
| Efficiency ratio | 68.4207% | 4,472 |
| Assets per employee ($millions) | 6.2406% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 2,566 |
| Loan loss allowance to noncurrent loans | 54.1980% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 3.3296% | 2,125 |
| Noncurrent loans to loans | 3.5064% | 2,157 |
| Net loans and leases to total assets | 60.9092% | 4,504 |
| Net loans and leases to deposits | 73.4889% | 4,279 |
| Net loans and leases to core deposits | 94.5177% | 2,197 |
| Total domestic deposits to total assets | 82.8822% | 4,845 |
| Equity capital to assets | 9.2415% | 4,771 |
| Core capital (leverage) ratio | 9.3252% | 3,969 |
| Tier 1 risk-based capital ratio | 13.3366% | 4,344 |
| Total risk-based capital ratio | 14.5919% | 4,299 |
| Memoranda: | ||
| Average total assets | $868,846,200 | 778 |
| Average earning assets | $791,790,000 | 773 |
| Average equity | $80,850,800 | 816 |
| Average total loans | $566,130,800 | 794 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 7,018 |
| Cost of funding earning assets | 0.9123% | 6,347 |
| Net interest margin | 3.3491% | 5,850 |
| Noninterest income to average assets | 0.4066% | 4,902 |
| Noninterest expense to average assets | 2.2883% | 6,364 |
| Loan and lease loss provision to assets | 0.9167% | 1,649 |
| Net operating income to assets | 0.2664% | 5,292 |
| Return on assets (ROA) | 0.2664% | 5,452 |
| Pretax return on assets | 0.2664% | 5,572 |
| Return on Equity (ROE) | 2.8576% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.8576% | 4,424 |
| Net charge-offs to loans | 1.1537% | 1,769 |
| Credit loss provision to net charge-offs | 120.4564% | 3,423 |
| Earnings coverage of net charge-offs (x) | 1.5546% | 4,559 |
| Efficiency ratio | 65.9177% | 4,879 |
| Assets per employee ($millions) | 6.1900% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 2,408 |
| Loan loss allowance to noncurrent loans | 42.3777% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 3.6184% | 1,970 |
| Noncurrent loans to loans | 4.5469% | 1,582 |
| Net loans and leases to total assets | 63.4573% | 4,229 |
| Net loans and leases to deposits | 76.7267% | 4,048 |
| Net loans and leases to core deposits | 105.1391% | 1,393 |
| Total domestic deposits to total assets | 82.7057% | 4,711 |
| Equity capital to assets | 9.6198% | 4,662 |
| Core capital (leverage) ratio | 9.4627% | 3,958 |
| Tier 1 risk-based capital ratio | 13.0665% | 4,524 |
| Total risk-based capital ratio | 14.3224% | 4,502 |
| Memoranda: | ||
| Average total assets | $859,836,250 | 783 |
| Average earning assets | $786,866,500 | 776 |
| Average equity | $80,157,250 | 819 |
| Average total loans | $567,204,500 | 797 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 7,016 |
| Cost of funding earning assets | 0.9190% | 6,506 |
| Net interest margin | 3.4008% | 5,644 |
| Noninterest income to average assets | 0.4649% | 4,395 |
| Noninterest expense to average assets | 2.3099% | 6,329 |
| Loan and lease loss provision to assets | 0.9857% | 1,473 |
| Net operating income to assets | 0.2788% | 5,266 |
| Return on assets (ROA) | 0.2788% | 5,416 |
| Pretax return on assets | 0.2788% | 5,567 |
| Return on Equity (ROE) | 3.0245% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.0245% | 4,189 |
| Net charge-offs to loans | 1.0712% | 1,755 |
| Credit loss provision to net charge-offs | 138.5733% | 2,895 |
| Earnings coverage of net charge-offs (x) | 1.7777% | 4,184 |
| Efficiency ratio | 64.6228% | 5,225 |
| Assets per employee ($millions) | 6.1695% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 2,263 |
| Loan loss allowance to noncurrent loans | 42.7465% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 3.6940% | 1,895 |
| Noncurrent loans to loans | 4.6005% | 1,568 |
| Net loans and leases to total assets | 63.2854% | 4,398 |
| Net loans and leases to deposits | 76.4711% | 4,243 |
| Net loans and leases to core deposits | 110.3862% | 1,142 |
| Total domestic deposits to total assets | 82.7572% | 4,664 |
| Equity capital to assets | 9.3530% | 4,925 |
| Core capital (leverage) ratio | 9.5081% | 3,812 |
| Tier 1 risk-based capital ratio | 12.7237% | 4,667 |
| Total risk-based capital ratio | 13.9799% | 4,631 |
| Memoranda: | ||
| Average total assets | $851,389,670 | 793 |
| Average earning assets | $778,471,330 | 787 |
| Average equity | $78,492,330 | 833 |
| Average total loans | $565,357,670 | 808 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 7,082 |
| Cost of funding earning assets | 0.9290% | 6,660 |
| Net interest margin | 3.4060% | 5,555 |
| Noninterest income to average assets | 0.1943% | 6,573 |
| Noninterest expense to average assets | 2.3164% | 6,332 |
| Loan and lease loss provision to assets | 0.3445% | 3,314 |
| Net operating income to assets | 0.6527% | 3,650 |
| Return on assets (ROA) | 0.6527% | 3,771 |
| Pretax return on assets | 0.6527% | 4,398 |
| Return on Equity (ROE) | 7.1338% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.1338% | 2,078 |
| Net charge-offs to loans | 0.3991% | 2,849 |
| Credit loss provision to net charge-offs | 128.1139% | 2,753 |
| Earnings coverage of net charge-offs (x) | 3.7082% | 2,819 |
| Efficiency ratio | 69.9061% | 4,322 |
| Assets per employee ($millions) | 6.0494% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 2,798 |
| Loan loss allowance to noncurrent loans | 51.3661% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 3.0325% | 2,357 |
| Noncurrent loans to loans | 3.4595% | 2,305 |
| Net loans and leases to total assets | 66.9851% | 3,639 |
| Net loans and leases to deposits | 81.4804% | 3,371 |
| Net loans and leases to core deposits | 115.8204% | 951 |
| Total domestic deposits to total assets | 82.2101% | 4,973 |
| Equity capital to assets | 9.4390% | 4,631 |
| Core capital (leverage) ratio | 9.4824% | 3,799 |
| Tier 1 risk-based capital ratio | 12.4625% | 4,784 |
| Total risk-based capital ratio | 13.7170% | 4,730 |
| Memoranda: | ||
| Average total assets | $835,963,500 | 830 |
| Average earning assets | $765,592,500 | 819 |
| Average equity | $76,480,500 | 862 |
| Average total loans | $563,271,500 | 835 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 7,718 |
| Cost of funding earning assets | 1.2409% | 6,505 |
| Net interest margin | 2.7018% | 7,208 |
| Noninterest income to average assets | 0.6311% | 3,417 |
| Noninterest expense to average assets | 2.3470% | 6,611 |
| Loan and lease loss provision to assets | 1.9648% | 1,117 |
| Net operating income to assets | -1.1956% | 6,709 |
| Return on assets (ROA) | -1.1956% | 6,707 |
| Pretax return on assets | -1.1956% | 6,538 |
| Return on Equity (ROE) | -13.7542% | 6,865 |
| Retained earnings to average equity (ytd only) | -13.7542% | 6,797 |
| Net charge-offs to loans | 2.0409% | 1,199 |
| Credit loss provision to net charge-offs | 134.4755% | 3,697 |
| Earnings coverage of net charge-offs (x) | 0.5264% | 5,588 |
| Efficiency ratio | 75.3164% | 3,646 |
| Assets per employee ($millions) | 5.9362% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 2,499 |
| Loan loss allowance to noncurrent loans | 46.5414% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 3.0720% | 2,264 |
| Noncurrent loans to loans | 3.8971% | 1,904 |
| Net loans and leases to total assets | 65.3461% | 4,311 |
| Net loans and leases to deposits | 78.5901% | 4,259 |
| Net loans and leases to core deposits | 132.0540% | 1,169 |
| Total domestic deposits to total assets | 83.1480% | 4,458 |
| Equity capital to assets | 8.8552% | 5,350 |
| Core capital (leverage) ratio | 9.4375% | 3,791 |
| Tier 1 risk-based capital ratio | 12.2543% | 4,723 |
| Total risk-based capital ratio | 13.5091% | 4,676 |
| Memoranda: | ||
| Average total assets | $752,988,800 | 910 |
| Average earning assets | $692,614,600 | 898 |
| Average equity | $65,456,600 | 1,013 |
| Average total loans | $539,087,400 | 889 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 7,845 |
| Cost of funding earning assets | 1.3429% | 6,421 |
| Net interest margin | 2.5321% | 7,425 |
| Noninterest income to average assets | 0.6642% | 3,260 |
| Noninterest expense to average assets | 2.3253% | 6,636 |
| Loan and lease loss provision to assets | 2.4615% | 678 |
| Net operating income to assets | -1.7891% | 7,233 |
| Return on assets (ROA) | -1.7891% | 7,232 |
| Pretax return on assets | -1.7891% | 7,083 |
| Return on Equity (ROE) | -20.6903% | 7,397 |
| Retained earnings to average equity (ytd only) | -20.6903% | 7,365 |
| Net charge-offs to loans | 2.3550% | 787 |
| Credit loss provision to net charge-offs | 143.1395% | 3,420 |
| Earnings coverage of net charge-offs (x) | 0.3910% | 5,635 |
| Efficiency ratio | 77.5696% | 3,228 |
| Assets per employee ($millions) | 5.3594% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8661% | 2,114 |
| Loan loss allowance to noncurrent loans | 46.3088% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 3.2436% | 2,089 |
| Noncurrent loans to loans | 4.0298% | 1,822 |
| Net loans and leases to total assets | 72.3220% | 2,948 |
| Net loans and leases to deposits | 88.6703% | 2,842 |
| Net loans and leases to core deposits | 147.7936% | 631 |
| Total domestic deposits to total assets | 81.5628% | 4,846 |
| Equity capital to assets | 9.4346% | 4,829 |
| Core capital (leverage) ratio | 9.3054% | 4,181 |
| Tier 1 risk-based capital ratio | 11.6639% | 5,281 |
| Total risk-based capital ratio | 12.9196% | 5,221 |
| Memoranda: | ||
| Average total assets | $733,470,000 | 937 |
| Average earning assets | $675,934,000 | 929 |
| Average equity | $63,422,750 | 1,058 |
| Average total loans | $535,584,250 | 907 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 7,981 |
| Cost of funding earning assets | 1.4307% | 6,376 |
| Net interest margin | 2.3254% | 7,658 |
| Noninterest income to average assets | 0.7565% | 2,667 |
| Noninterest expense to average assets | 2.2612% | 6,883 |
| Loan and lease loss provision to assets | 3.5122% | 409 |
| Net operating income to assets | -2.8750% | 7,647 |
| Return on assets (ROA) | -2.8750% | 7,644 |
| Pretax return on assets | -2.8750% | 7,532 |
| Return on Equity (ROE) | -34.3233% | 7,774 |
| Retained earnings to average equity (ytd only) | -34.3233% | 7,752 |
| Net charge-offs to loans | 3.4119% | 459 |
| Credit loss provision to net charge-offs | 141.4251% | 3,293 |
| Earnings coverage of net charge-offs (x) | 0.2566% | 5,413 |
| Efficiency ratio | 78.0148% | 3,342 |
| Assets per employee ($millions) | 5.6126% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 2,018 |
| Loan loss allowance to noncurrent loans | 50.5802% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 2.8993% | 2,203 |
| Noncurrent loans to loans | 3.5792% | 1,954 |
| Net loans and leases to total assets | 71.4515% | 3,361 |
| Net loans and leases to deposits | 86.8136% | 3,386 |
| Net loans and leases to core deposits | 147.6530% | 713 |
| Total domestic deposits to total assets | 82.3045% | 4,567 |
| Equity capital to assets | 9.2193% | 4,984 |
| Core capital (leverage) ratio | 9.4961% | 3,892 |
| Tier 1 risk-based capital ratio | 11.6663% | 5,227 |
| Total risk-based capital ratio | 12.9215% | 5,152 |
| Memoranda: | ||
| Average total assets | $727,856,670 | 961 |
| Average earning assets | $670,423,330 | 948 |
| Average equity | $60,967,330 | 1,123 |
| Average total loans | $529,793,000 | 934 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 8,036 |
| Cost of funding earning assets | 1.4798% | 6,467 |
| Net interest margin | 2.3336% | 7,687 |
| Noninterest income to average assets | 1.3297% | 810 |
| Noninterest expense to average assets | 2.4586% | 5,997 |
| Loan and lease loss provision to assets | 0.3063% | 3,499 |
| Net operating income to assets | 0.7148% | 3,479 |
| Return on assets (ROA) | 0.7148% | 3,678 |
| Pretax return on assets | 0.7148% | 4,381 |
| Return on Equity (ROE) | 9.0157% | 2,714 |
| Retained earnings to average equity (ytd only) | 9.0157% | 1,476 |
| Net charge-offs to loans | 0.0362% | 5,004 |
| Credit loss provision to net charge-offs | 1,161.7021% | 548 |
| Earnings coverage of net charge-offs (x) | 38.7234% | 876 |
| Efficiency ratio | 70.6546% | 4,439 |
| Assets per employee ($millions) | 5.3291% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 4,437 |
| Loan loss allowance to noncurrent loans | 50.1788% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 2.0751% | 2,781 |
| Noncurrent loans to loans | 2.4911% | 2,641 |
| Net loans and leases to total assets | 73.9777% | 2,763 |
| Net loans and leases to deposits | 88.2747% | 3,243 |
| Net loans and leases to core deposits | 138.1688% | 1,197 |
| Total domestic deposits to total assets | 83.8040% | 3,799 |
| Equity capital to assets | 7.9186% | 6,931 |
| Core capital (leverage) ratio | 8.2044% | 6,092 |
| Tier 1 risk-based capital ratio | 9.0784% | 7,744 |
| Total risk-based capital ratio | 10.1560% | 7,883 |
| Memoranda: | ||
| Average total assets | $712,932,000 | 987 |
| Average earning assets | $656,825,500 | 975 |
| Average equity | $56,523,500 | 1,195 |
| Average total loans | $519,002,500 | 961 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 7,854 |
| Cost of funding earning assets | 2.2511% | 5,365 |
| Net interest margin | 2.7175% | 7,466 |
| Noninterest income to average assets | 0.7993% | 2,518 |
| Noninterest expense to average assets | 2.7282% | 5,138 |
| Loan and lease loss provision to assets | 0.5604% | 2,577 |
| Net operating income to assets | 0.0124% | 6,336 |
| Return on assets (ROA) | 0.0124% | 6,189 |
| Pretax return on assets | -0.0082% | 6,166 |
| Return on Equity (ROE) | 0.1381% | 6,183 |
| Retained earnings to average equity (ytd only) | 0.1381% | 5,144 |
| Net charge-offs to loans | 0.1707% | 4,498 |
| Credit loss provision to net charge-offs | 450.3597% | 972 |
| Earnings coverage of net charge-offs (x) | 4.4374% | 3,986 |
| Efficiency ratio | 83.1669% | 2,154 |
| Assets per employee ($millions) | 5.1565% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 4,141 |
| Loan loss allowance to noncurrent loans | 71.7094% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.4723% | 3,275 |
| Noncurrent loans to loans | 1.7431% | 3,153 |
| Net loans and leases to total assets | 69.7605% | 4,071 |
| Net loans and leases to deposits | 83.6170% | 4,476 |
| Net loans and leases to core deposits | 119.5258% | 2,740 |
| Total domestic deposits to total assets | 83.4286% | 3,600 |
| Equity capital to assets | 7.9382% | 6,916 |
| Core capital (leverage) ratio | 8.7097% | 5,178 |
| Tier 1 risk-based capital ratio | 9.9142% | 6,831 |
| Total risk-based capital ratio | 11.0288% | 6,868 |
| Memoranda: | ||
| Average total assets | $558,500,400 | 1,215 |
| Average earning assets | $509,925,800 | 1,209 |
| Average equity | $49,954,400 | 1,353 |
| Average total loans | $407,264,000 | 1,186 |