Home > New Mexico Bank & Trust > Performance and Condition Ratios
New Mexico Bank & Trust, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 2,229 |
| Cost of funding earning assets | 1.0389% | 2,483 |
| Net interest margin | 3.6518% | 1,912 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.1293% | 3,269 |
| Loan and lease loss provision to assets | -0.1200% | 4,579 |
| Net operating income to assets | 1.4838% | 1,139 |
| Return on assets (ROA) | 1.4665% | 1,162 |
| Pretax return on assets | 1.9051% | 855 |
| Return on Equity (ROE) | 22.4400% | 518 |
| Retained earnings to average equity (ytd only) | 22.4411% | 176 |
| Net charge-offs to loans | 0.0182% | 1,546 |
| Credit loss provision to net charge-offs | -751.6667% | 4,610 |
| Earnings coverage of net charge-offs (x) | 198.3583% | 613 |
| Efficiency ratio | 53.9221% | 3,620 |
| Assets per employee ($millions) | 19.2057% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 3,821 |
| Loan loss allowance to noncurrent loans | 347.4177% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 2,657 |
| Noncurrent loans to loans | 0.2555% | 2,243 |
| Net loans and leases to total assets | 49.5500% | 3,586 |
| Net loans and leases to deposits | 54.2834% | 3,730 |
| Net loans and leases to core deposits | 58.9513% | 3,682 |
| Total domestic deposits to total assets | 91.2700% | 565 |
| Equity capital to assets | 6.9734% | 3,814 |
| Core capital (leverage) ratio | 9.1196% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8464% | 1,612 |
| Memoranda: | ||
| Average total assets | $2,635,356,000 | 430 |
| Average earning assets | $2,449,976,000 | 418 |
| Average equity | $172,220,000 | 598 |
| Average total loans | $1,321,403,667 | 558 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 2,031 |
| Cost of funding earning assets | 0.8381% | 2,576 |
| Net interest margin | 3.7842% | 1,725 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.1299% | 3,303 |
| Loan and lease loss provision to assets | -0.1300% | 4,593 |
| Net operating income to assets | 1.5660% | 1,043 |
| Return on assets (ROA) | 1.5313% | 1,095 |
| Pretax return on assets | 1.9876% | 797 |
| Return on Equity (ROE) | 24.2200% | 446 |
| Retained earnings to average equity (ytd only) | 24.2247% | 205 |
| Net charge-offs to loans | -0.0075% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.6868% | 3,724 |
| Assets per employee ($millions) | 18.6313% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 3,859 |
| Loan loss allowance to noncurrent loans | 172.9576% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 1,633 |
| Noncurrent loans to loans | 0.5191% | 1,426 |
| Net loans and leases to total assets | 49.9000% | 3,503 |
| Net loans and leases to deposits | 55.6243% | 3,587 |
| Net loans and leases to core deposits | 57.1222% | 3,687 |
| Total domestic deposits to total assets | 89.7100% | 1,260 |
| Equity capital to assets | 6.7094% | 3,956 |
| Core capital (leverage) ratio | 8.6168% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0125% | 1,974 |
| Memoranda: | ||
| Average total assets | $2,656,651,000 | 443 |
| Average earning assets | $2,469,725,500 | 429 |
| Average equity | $167,928,000 | 622 |
| Average total loans | $1,334,061,000 | 569 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 2,548 |
| Cost of funding earning assets | 0.1792% | 3,915 |
| Net interest margin | 3.5120% | 1,893 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 1.9231% | 3,784 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.4903% | 899 |
| Return on assets (ROA) | 1.4829% | 887 |
| Pretax return on assets | 1.9130% | 564 |
| Return on Equity (ROE) | 22.0600% | 334 |
| Retained earnings to average equity (ytd only) | 13.8952% | 401 |
| Net charge-offs to loans | 0.0757% | 892 |
| Credit loss provision to net charge-offs | 36.8062% | 1,871 |
| Earnings coverage of net charge-offs (x) | 49.7848% | 1,369 |
| Efficiency ratio | 49.6335% | 4,146 |
| Assets per employee ($millions) | 18.1506% | 118 |
| Cash dividends to net income (ytd only)* | 37.0247% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 3,666 |
| Loan loss allowance to noncurrent loans | 215.8738% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 1,759 |
| Noncurrent loans to loans | 0.4313% | 1,631 |
| Net loans and leases to total assets | 49.6100% | 3,531 |
| Net loans and leases to deposits | 55.6969% | 3,596 |
| Net loans and leases to core deposits | 56.6206% | 3,695 |
| Total domestic deposits to total assets | 89.0800% | 1,692 |
| Equity capital to assets | 5.9413% | 4,109 |
| Core capital (leverage) ratio | 8.1152% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2274% | 2,273 |
| Memoranda: | ||
| Average total assets | $2,640,891,400 | 435 |
| Average earning assets | $2,479,213,200 | 424 |
| Average equity | $177,493,200 | 582 |
| Average total loans | $1,357,468,400 | 518 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4567% | 2,758 |
| Cost of funding earning assets | 0.1217% | 4,113 |
| Net interest margin | 3.3350% | 2,187 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.9430% | 3,643 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.3862% | 1,127 |
| Return on assets (ROA) | 1.3793% | 1,115 |
| Pretax return on assets | 1.7833% | 763 |
| Return on Equity (ROE) | 19.9300% | 440 |
| Retained earnings to average equity (ytd only) | 12.9713% | 620 |
| Net charge-offs to loans | 0.0733% | 782 |
| Credit loss provision to net charge-offs | -57.3529% | 4,631 |
| Earnings coverage of net charge-offs (x) | 46.3783% | 1,324 |
| Efficiency ratio | 52.2723% | 3,990 |
| Assets per employee ($millions) | 17.5452% | 134 |
| Cash dividends to net income (ytd only)* | 34.9226% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 3,876 |
| Loan loss allowance to noncurrent loans | 207.4529% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 1,843 |
| Noncurrent loans to loans | 0.4311% | 1,735 |
| Net loans and leases to total assets | 49.8600% | 3,473 |
| Net loans and leases to deposits | 54.7811% | 3,559 |
| Net loans and leases to core deposits | 55.7959% | 3,639 |
| Total domestic deposits to total assets | 91.0100% | 1,239 |
| Equity capital to assets | 5.5680% | 4,105 |
| Core capital (leverage) ratio | 7.9125% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6621% | 2,592 |
| Memoranda: | ||
| Average total assets | $2,629,543,500 | 437 |
| Average earning assets | $2,475,731,500 | 424 |
| Average equity | $181,966,500 | 579 |
| Average total loans | $1,360,513,250 | 516 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 2,936 |
| Cost of funding earning assets | 0.0863% | 4,325 |
| Net interest margin | 3.1494% | 2,371 |
| Noninterest income to average assets | 0.5558% | 1,919 |
| Noninterest expense to average assets | 1.9483% | 3,576 |
| Loan and lease loss provision to assets | -0.0183% | 4,422 |
| Net operating income to assets | 1.2386% | 1,304 |
| Return on assets (ROA) | 1.2294% | 1,313 |
| Pretax return on assets | 1.5859% | 974 |
| Return on Equity (ROE) | 16.6597% | 610 |
| Retained earnings to average equity (ytd only) | 9.4105% | 1,170 |
| Net charge-offs to loans | 0.1070% | 562 |
| Credit loss provision to net charge-offs | -41.7237% | 3,027 |
| Earnings coverage of net charge-offs (x) | 28.2695% | 1,416 |
| Efficiency ratio | 55.0055% | 3,869 |
| Assets per employee ($millions) | 16.7694% | 146 |
| Cash dividends to net income (ytd only)* | 43.5134% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 4,005 |
| Loan loss allowance to noncurrent loans | 204.9299% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 1,802 |
| Noncurrent loans to loans | 0.4307% | 1,832 |
| Net loans and leases to total assets | 51.4482% | 3,219 |
| Net loans and leases to deposits | 56.3236% | 3,351 |
| Net loans and leases to core deposits | 58.7769% | 3,368 |
| Total domestic deposits to total assets | 91.3441% | 1,084 |
| Equity capital to assets | 6.2002% | 4,134 |
| Core capital (leverage) ratio | 7.7045% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1660% | 2,762 |
| Memoranda: | ||
| Average total assets | $2,617,103,667 | 435 |
| Average earning assets | $2,469,447,333 | 426 |
| Average equity | $193,125,000 | 554 |
| Average total loans | $1,366,823,667 | 507 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 2,883 |
| Cost of funding earning assets | 0.0570% | 4,552 |
| Net interest margin | 3.0708% | 2,263 |
| Noninterest income to average assets | 0.5873% | 1,749 |
| Noninterest expense to average assets | 1.9610% | 3,531 |
| Loan and lease loss provision to assets | -0.0651% | 4,543 |
| Net operating income to assets | 1.2386% | 1,145 |
| Return on assets (ROA) | 1.2388% | 1,132 |
| Pretax return on assets | 1.5979% | 832 |
| Return on Equity (ROE) | 15.5241% | 581 |
| Retained earnings to average equity (ytd only) | 15.5241% | 256 |
| Net charge-offs to loans | 0.1662% | 356 |
| Credit loss provision to net charge-offs | -96.9965% | 2,874 |
| Earnings coverage of net charge-offs (x) | 17.6060% | 1,320 |
| Efficiency ratio | 55.9033% | 3,887 |
| Assets per employee ($millions) | 16.3174% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 4,115 |
| Loan loss allowance to noncurrent loans | 184.8123% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 1,841 |
| Noncurrent loans to loans | 0.4705% | 1,844 |
| Net loans and leases to total assets | 53.3262% | 2,840 |
| Net loans and leases to deposits | 58.9404% | 2,994 |
| Net loans and leases to core deposits | 59.8853% | 3,158 |
| Total domestic deposits to total assets | 90.4747% | 1,310 |
| Equity capital to assets | 7.4430% | 3,970 |
| Core capital (leverage) ratio | 8.0223% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1857% | 2,850 |
| Memoranda: | ||
| Average total assets | $2,600,873,500 | 442 |
| Average earning assets | $2,461,514,000 | 430 |
| Average equity | $207,548,500 | 524 |
| Average total loans | $1,362,589,500 | 504 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 3,170 |
| Cost of funding earning assets | 0.0613% | 4,638 |
| Net interest margin | 3.2508% | 2,462 |
| Noninterest income to average assets | 0.5260% | 2,462 |
| Noninterest expense to average assets | 2.0383% | 3,558 |
| Loan and lease loss provision to assets | -0.0594% | 4,400 |
| Net operating income to assets | 1.2521% | 1,738 |
| Return on assets (ROA) | 1.2654% | 1,758 |
| Pretax return on assets | 1.6415% | 1,305 |
| Return on Equity (ROE) | 14.0203% | 1,180 |
| Retained earnings to average equity (ytd only) | 5.5492% | 2,541 |
| Net charge-offs to loans | 0.1392% | 668 |
| Credit loss provision to net charge-offs | -90.7813% | 3,345 |
| Earnings coverage of net charge-offs (x) | 21.2889% | 1,826 |
| Efficiency ratio | 56.3124% | 3,667 |
| Assets per employee ($millions) | 15.5242% | 192 |
| Cash dividends to net income (ytd only)* | 60.4200% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,813 |
| Loan loss allowance to noncurrent loans | 159.3950% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 1,822 |
| Noncurrent loans to loans | 0.6176% | 1,598 |
| Net loans and leases to total assets | 50.5076% | 3,222 |
| Net loans and leases to deposits | 57.3907% | 3,304 |
| Net loans and leases to core deposits | 58.4007% | 3,443 |
| Total domestic deposits to total assets | 88.0066% | 2,044 |
| Equity capital to assets | 8.5076% | 4,046 |
| Core capital (leverage) ratio | 7.7801% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0953% | 2,867 |
| Memoranda: | ||
| Average total assets | $2,419,697,800 | 448 |
| Average earning assets | $2,290,728,000 | 436 |
| Average equity | $218,390,400 | 500 |
| Average total loans | $1,278,327,000 | 529 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3635% | 3,210 |
| Cost of funding earning assets | 0.0631% | 4,724 |
| Net interest margin | 3.3003% | 2,412 |
| Noninterest income to average assets | 0.5039% | 2,607 |
| Noninterest expense to average assets | 1.9740% | 3,750 |
| Loan and lease loss provision to assets | -0.1120% | 4,630 |
| Net operating income to assets | 1.3570% | 1,666 |
| Return on assets (ROA) | 1.3904% | 1,635 |
| Pretax return on assets | 1.8061% | 1,151 |
| Return on Equity (ROE) | 15.1639% | 1,111 |
| Retained earnings to average equity (ytd only) | 8.1040% | 2,022 |
| Net charge-offs to loans | 0.0756% | 905 |
| Credit loss provision to net charge-offs | -248.0447% | 3,437 |
| Earnings coverage of net charge-offs (x) | 40.9860% | 1,354 |
| Efficiency ratio | 54.1846% | 3,783 |
| Assets per employee ($millions) | 15.3985% | 193 |
| Cash dividends to net income (ytd only)* | 46.5568% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,552 |
| Loan loss allowance to noncurrent loans | 162.1472% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 1,899 |
| Noncurrent loans to loans | 0.6634% | 1,648 |
| Net loans and leases to total assets | 50.0393% | 3,409 |
| Net loans and leases to deposits | 58.6778% | 3,345 |
| Net loans and leases to core deposits | 59.8491% | 3,478 |
| Total domestic deposits to total assets | 85.2780% | 3,021 |
| Equity capital to assets | 8.8781% | 3,940 |
| Core capital (leverage) ratio | 8.1667% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7996% | 2,773 |
| Memoranda: | ||
| Average total assets | $2,368,723,000 | 459 |
| Average earning assets | $2,240,599,500 | 452 |
| Average equity | $217,186,500 | 506 |
| Average total loans | $1,263,336,000 | 544 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3777% | 3,238 |
| Cost of funding earning assets | 0.0647% | 4,768 |
| Net interest margin | 3.3130% | 2,402 |
| Noninterest income to average assets | 0.5048% | 2,602 |
| Noninterest expense to average assets | 1.9723% | 3,782 |
| Loan and lease loss provision to assets | -0.1497% | 4,707 |
| Net operating income to assets | 1.3972% | 1,577 |
| Return on assets (ROA) | 1.4314% | 1,542 |
| Pretax return on assets | 1.8598% | 1,098 |
| Return on Equity (ROE) | 15.4273% | 1,061 |
| Retained earnings to average equity (ytd only) | 9.3247% | 1,615 |
| Net charge-offs to loans | 0.0945% | 766 |
| Credit loss provision to net charge-offs | -245.0847% | 3,262 |
| Earnings coverage of net charge-offs (x) | 32.4322% | 1,270 |
| Efficiency ratio | 53.9364% | 3,817 |
| Assets per employee ($millions) | 14.9534% | 198 |
| Cash dividends to net income (ytd only)* | 39.5570% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,298 |
| Loan loss allowance to noncurrent loans | 165.6257% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 1,905 |
| Noncurrent loans to loans | 0.6814% | 1,718 |
| Net loans and leases to total assets | 50.9783% | 3,451 |
| Net loans and leases to deposits | 57.9750% | 3,549 |
| Net loans and leases to core deposits | 59.1828% | 3,676 |
| Total domestic deposits to total assets | 87.9315% | 1,866 |
| Equity capital to assets | 9.2748% | 3,534 |
| Core capital (leverage) ratio | 8.2139% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4290% | 2,566 |
| Memoranda: | ||
| Average total assets | $2,295,980,333 | 466 |
| Average earning assets | $2,172,168,000 | 456 |
| Average equity | $213,024,667 | 507 |
| Average total loans | $1,248,259,000 | 552 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3968% | 3,202 |
| Cost of funding earning assets | 0.0666% | 4,804 |
| Net interest margin | 3.3302% | 2,298 |
| Noninterest income to average assets | 0.4675% | 2,768 |
| Noninterest expense to average assets | 1.8860% | 4,018 |
| Loan and lease loss provision to assets | -0.0512% | 4,654 |
| Net operating income to assets | 1.3771% | 1,619 |
| Return on assets (ROA) | 1.3895% | 1,677 |
| Pretax return on assets | 1.8016% | 1,287 |
| Return on Equity (ROE) | 14.9727% | 1,220 |
| Retained earnings to average equity (ytd only) | 14.9727% | 629 |
| Net charge-offs to loans | -0.0062% | 3,474 |
| Credit loss provision to net charge-offs | 647.3684% | 536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8317% | 4,009 |
| Assets per employee ($millions) | 13.3982% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,580 |
| Loan loss allowance to noncurrent loans | 186.6667% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 2,073 |
| Noncurrent loans to loans | 0.6784% | 1,889 |
| Net loans and leases to total assets | 54.4327% | 3,198 |
| Net loans and leases to deposits | 61.7903% | 3,340 |
| Net loans and leases to core deposits | 63.0136% | 3,495 |
| Total domestic deposits to total assets | 88.0927% | 1,799 |
| Equity capital to assets | 9.4778% | 3,226 |
| Core capital (leverage) ratio | 9.1697% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1626% | 2,226 |
| Memoranda: | ||
| Average total assets | $2,195,363,500 | 481 |
| Average earning assets | $2,078,653,000 | 468 |
| Average equity | $203,731,000 | 523 |
| Average total loans | $1,228,604,000 | 560 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 3,319 |
| Cost of funding earning assets | 0.1502% | 4,728 |
| Net interest margin | 3.6443% | 1,996 |
| Noninterest income to average assets | 0.4952% | 2,651 |
| Noninterest expense to average assets | 2.0378% | 4,067 |
| Loan and lease loss provision to assets | 0.6234% | 307 |
| Net operating income to assets | 1.0019% | 2,286 |
| Return on assets (ROA) | 1.0723% | 2,160 |
| Pretax return on assets | 1.3807% | 1,720 |
| Return on Equity (ROE) | 11.9398% | 1,338 |
| Retained earnings to average equity (ytd only) | 8.3768% | 949 |
| Net charge-offs to loans | 0.5396% | 288 |
| Credit loss provision to net charge-offs | 190.9403% | 2,204 |
| Earnings coverage of net charge-offs (x) | 5.8617% | 2,828 |
| Efficiency ratio | 51.3323% | 4,436 |
| Assets per employee ($millions) | 15.2830% | 171 |
| Cash dividends to net income (ytd only)* | 29.8418% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,799 |
| Loan loss allowance to noncurrent loans | 462.7075% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 3,147 |
| Noncurrent loans to loans | 0.2656% | 3,245 |
| Net loans and leases to total assets | 56.2300% | 3,279 |
| Net loans and leases to deposits | 65.3129% | 3,335 |
| Net loans and leases to core deposits | 66.5438% | 3,498 |
| Total domestic deposits to total assets | 86.0932% | 2,326 |
| Equity capital to assets | 9.0507% | 4,012 |
| Core capital (leverage) ratio | 8.1114% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3968% | 2,488 |
| Memoranda: | ||
| Average total assets | $1,875,089,600 | 505 |
| Average earning assets | $1,779,028,000 | 493 |
| Average equity | $168,394,400 | 607 |
| Average total loans | $1,135,360,000 | 566 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 3,445 |
| Cost of funding earning assets | 0.1764% | 4,738 |
| Net interest margin | 3.6618% | 2,056 |
| Noninterest income to average assets | 0.4890% | 2,658 |
| Noninterest expense to average assets | 2.0302% | 4,088 |
| Loan and lease loss provision to assets | 0.7355% | 273 |
| Net operating income to assets | 0.9261% | 2,609 |
| Return on assets (ROA) | 1.0038% | 2,453 |
| Pretax return on assets | 1.2933% | 2,083 |
| Return on Equity (ROE) | 11.2021% | 1,622 |
| Retained earnings to average equity (ytd only) | 6.3390% | 1,953 |
| Net charge-offs to loans | 0.7236% | 192 |
| Credit loss provision to net charge-offs | 165.1663% | 2,245 |
| Earnings coverage of net charge-offs (x) | 4.3343% | 2,833 |
| Efficiency ratio | 51.0306% | 4,418 |
| Assets per employee ($millions) | 14.9663% | 166 |
| Cash dividends to net income (ytd only)* | 43.4122% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 3,274 |
| Loan loss allowance to noncurrent loans | 311.0455% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,035 |
| Noncurrent loans to loans | 0.3493% | 3,036 |
| Net loans and leases to total assets | 57.4035% | 3,479 |
| Net loans and leases to deposits | 65.8770% | 3,629 |
| Net loans and leases to core deposits | 67.2848% | 3,806 |
| Total domestic deposits to total assets | 87.1375% | 1,613 |
| Equity capital to assets | 8.7264% | 4,310 |
| Core capital (leverage) ratio | 8.0308% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8486% | 2,669 |
| Memoranda: | ||
| Average total assets | $1,835,702,750 | 506 |
| Average earning assets | $1,740,352,250 | 495 |
| Average equity | $164,501,250 | 613 |
| Average total loans | $1,129,907,250 | 561 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9492% | 3,465 |
| Cost of funding earning assets | 0.2331% | 4,673 |
| Net interest margin | 3.7160% | 2,108 |
| Noninterest income to average assets | 0.5598% | 2,303 |
| Noninterest expense to average assets | 2.1577% | 3,907 |
| Loan and lease loss provision to assets | 1.1840% | 145 |
| Net operating income to assets | 0.5827% | 3,794 |
| Return on assets (ROA) | 0.6818% | 3,560 |
| Pretax return on assets | 0.8609% | 3,427 |
| Return on Equity (ROE) | 7.5342% | 2,923 |
| Retained earnings to average equity (ytd only) | 0.0807% | 4,293 |
| Net charge-offs to loans | 0.0662% | 1,583 |
| Credit loss provision to net charge-offs | 2,846.7568% | 376 |
| Earnings coverage of net charge-offs (x) | 46.1459% | 1,161 |
| Efficiency ratio | 52.6911% | 4,304 |
| Assets per employee ($millions) | 14.2797% | 192 |
| Cash dividends to net income (ytd only)* | 98.9283% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 1,026 |
| Loan loss allowance to noncurrent loans | 172.0571% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.6867% | 1,788 |
| Noncurrent loans to loans | 0.9256% | 1,666 |
| Net loans and leases to total assets | 61.2044% | 3,195 |
| Net loans and leases to deposits | 68.4329% | 3,529 |
| Net loans and leases to core deposits | 69.8601% | 3,718 |
| Total domestic deposits to total assets | 89.4371% | 601 |
| Equity capital to assets | 8.6948% | 4,356 |
| Core capital (leverage) ratio | 8.1789% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3637% | 2,868 |
| Memoranda: | ||
| Average total assets | $1,779,109,333 | 518 |
| Average earning assets | $1,683,943,667 | 500 |
| Average equity | $160,999,667 | 623 |
| Average total loans | $1,118,589,000 | 562 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 3,471 |
| Cost of funding earning assets | 0.3585% | 4,493 |
| Net interest margin | 3.7606% | 2,109 |
| Noninterest income to average assets | 0.6013% | 2,034 |
| Noninterest expense to average assets | 2.2324% | 3,927 |
| Loan and lease loss provision to assets | 0.8237% | 292 |
| Net operating income to assets | 0.8548% | 2,686 |
| Return on assets (ROA) | 0.9272% | 2,537 |
| Pretax return on assets | 1.1879% | 2,238 |
| Return on Equity (ROE) | 10.0293% | 1,743 |
| Retained earnings to average equity (ytd only) | -5.0713% | 4,527 |
| Net charge-offs to loans | 0.0261% | 1,848 |
| Credit loss provision to net charge-offs | 4,977.4648% | 169 |
| Earnings coverage of net charge-offs (x) | 116.2113% | 520 |
| Efficiency ratio | 53.5276% | 4,430 |
| Assets per employee ($millions) | 12.5947% | 207 |
| Cash dividends to net income (ytd only)* | 150.5646% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,190 |
| Loan loss allowance to noncurrent loans | 345.9297% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 3,234 |
| Noncurrent loans to loans | 0.3186% | 3,351 |
| Net loans and leases to total assets | 64.8848% | 2,956 |
| Net loans and leases to deposits | 74.9037% | 3,178 |
| Net loans and leases to core deposits | 76.5453% | 3,460 |
| Total domestic deposits to total assets | 86.6243% | 1,729 |
| Equity capital to assets | 9.3419% | 4,360 |
| Core capital (leverage) ratio | 8.5699% | 4,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2892% | 3,009 |
| Memoranda: | ||
| Average total assets | $1,719,067,000 | 520 |
| Average earning assets | $1,623,261,500 | 503 |
| Average equity | $158,934,000 | 625 |
| Average total loans | $1,087,282,500 | 554 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 3,205 |
| Cost of funding earning assets | 0.3265% | 4,666 |
| Net interest margin | 4.0895% | 1,568 |
| Noninterest income to average assets | 0.7364% | 1,675 |
| Noninterest expense to average assets | 2.3679% | 3,778 |
| Loan and lease loss provision to assets | 0.0228% | 3,564 |
| Net operating income to assets | 1.6904% | 671 |
| Return on assets (ROA) | 1.7837% | 573 |
| Pretax return on assets | 2.3086% | 307 |
| Return on Equity (ROE) | 17.7507% | 359 |
| Retained earnings to average equity (ytd only) | 4.8345% | 2,513 |
| Net charge-offs to loans | 0.0131% | 3,221 |
| Credit loss provision to net charge-offs | 262.7737% | 1,057 |
| Earnings coverage of net charge-offs (x) | 255.1606% | 323 |
| Efficiency ratio | 51.4401% | 4,644 |
| Assets per employee ($millions) | 11.4483% | 261 |
| Cash dividends to net income (ytd only)* | 72.7647% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 4,099 |
| Loan loss allowance to noncurrent loans | 407.2552% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 3,558 |
| Noncurrent loans to loans | 0.2127% | 3,699 |
| Net loans and leases to total assets | 60.4782% | 3,545 |
| Net loans and leases to deposits | 68.1281% | 3,810 |
| Net loans and leases to core deposits | 69.6368% | 3,980 |
| Total domestic deposits to total assets | 88.7713% | 759 |
| Equity capital to assets | 9.1536% | 4,610 |
| Core capital (leverage) ratio | 9.1111% | 4,436 |
| Tier 1 risk-based capital ratio | 11.6037% | 4,573 |
| Total risk-based capital ratio | 12.3339% | 4,719 |
| Memoranda: | ||
| Average total assets | $1,579,470,000 | 531 |
| Average earning assets | $1,484,941,400 | 519 |
| Average equity | $158,715,000 | 590 |
| Average total loans | $1,047,147,000 | 550 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 3,055 |
| Cost of funding earning assets | 0.3375% | 4,699 |
| Net interest margin | 4.1657% | 1,459 |
| Noninterest income to average assets | 0.7648% | 1,540 |
| Noninterest expense to average assets | 2.3621% | 3,790 |
| Loan and lease loss provision to assets | -0.0222% | 5,082 |
| Net operating income to assets | 1.7928% | 624 |
| Return on assets (ROA) | 1.9027% | 509 |
| Pretax return on assets | 2.4700% | 260 |
| Return on Equity (ROE) | 18.4623% | 357 |
| Retained earnings to average equity (ytd only) | 10.8698% | 553 |
| Net charge-offs to loans | 0.0247% | 2,608 |
| Credit loss provision to net charge-offs | -132.1244% | 4,107 |
| Earnings coverage of net charge-offs (x) | 137.5890% | 577 |
| Efficiency ratio | 50.3146% | 4,722 |
| Assets per employee ($millions) | 10.2388% | 324 |
| Cash dividends to net income (ytd only)* | 41.1241% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,297 |
| Loan loss allowance to noncurrent loans | 370.7976% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 3,576 |
| Noncurrent loans to loans | 0.2246% | 3,744 |
| Net loans and leases to total assets | 64.0481% | 3,284 |
| Net loans and leases to deposits | 72.8555% | 3,564 |
| Net loans and leases to core deposits | 75.0337% | 3,761 |
| Total domestic deposits to total assets | 87.9112% | 1,071 |
| Equity capital to assets | 10.5410% | 3,509 |
| Core capital (leverage) ratio | 9.7978% | 3,858 |
| Tier 1 risk-based capital ratio | 12.7292% | 4,010 |
| Total risk-based capital ratio | 13.4475% | 4,194 |
| Memoranda: | ||
| Average total assets | $1,533,578,250 | 545 |
| Average earning assets | $1,437,945,500 | 532 |
| Average equity | $158,048,250 | 593 |
| Average total loans | $1,040,041,000 | 555 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 2,974 |
| Cost of funding earning assets | 0.3331% | 4,730 |
| Net interest margin | 4.1805% | 1,407 |
| Noninterest income to average assets | 0.7837% | 1,400 |
| Noninterest expense to average assets | 2.3943% | 3,744 |
| Loan and lease loss provision to assets | -0.1404% | 5,230 |
| Net operating income to assets | 1.8871% | 496 |
| Return on assets (ROA) | 2.0519% | 371 |
| Pretax return on assets | 2.6656% | 195 |
| Return on Equity (ROE) | 20.0728% | 254 |
| Retained earnings to average equity (ytd only) | 8.4033% | 1,241 |
| Net charge-offs to loans | 0.0192% | 2,487 |
| Credit loss provision to net charge-offs | -1,059.0000% | 4,267 |
| Earnings coverage of net charge-offs (x) | 174.7800% | 433 |
| Efficiency ratio | 50.5627% | 4,750 |
| Assets per employee ($millions) | 9.7722% | 356 |
| Cash dividends to net income (ytd only)* | 58.1358% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 4,558 |
| Loan loss allowance to noncurrent loans | 260.6240% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 3,698 |
| Noncurrent loans to loans | 0.2942% | 3,478 |
| Net loans and leases to total assets | 66.9488% | 2,970 |
| Net loans and leases to deposits | 76.2943% | 3,303 |
| Net loans and leases to core deposits | 78.5575% | 3,535 |
| Total domestic deposits to total assets | 87.7508% | 1,224 |
| Equity capital to assets | 10.4249% | 3,587 |
| Core capital (leverage) ratio | 9.6433% | 3,985 |
| Tier 1 risk-based capital ratio | 12.6705% | 4,032 |
| Total risk-based capital ratio | 13.3554% | 4,245 |
| Memoranda: | ||
| Average total assets | $1,508,938,330 | 552 |
| Average earning assets | $1,417,493,330 | 538 |
| Average equity | $154,248,670 | 605 |
| Average total loans | $1,040,648,330 | 553 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 3,044 |
| Cost of funding earning assets | 0.3038% | 4,832 |
| Net interest margin | 4.1477% | 1,431 |
| Noninterest income to average assets | 0.7469% | 1,439 |
| Noninterest expense to average assets | 2.3282% | 3,953 |
| Loan and lease loss provision to assets | -0.2855% | 5,318 |
| Net operating income to assets | 1.9932% | 387 |
| Return on assets (ROA) | 2.0977% | 339 |
| Pretax return on assets | 2.7377% | 170 |
| Return on Equity (ROE) | 20.7316% | 228 |
| Retained earnings to average equity (ytd only) | 7.5217% | 1,837 |
| Net charge-offs to loans | 0.0330% | 1,797 |
| Credit loss provision to net charge-offs | -1,241.8605% | 3,968 |
| Earnings coverage of net charge-offs (x) | 100.9070% | 662 |
| Efficiency ratio | 49.8246% | 4,844 |
| Assets per employee ($millions) | 9.6776% | 378 |
| Cash dividends to net income (ytd only)* | 63.7186% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 4,593 |
| Loan loss allowance to noncurrent loans | 225.6607% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 3,585 |
| Noncurrent loans to loans | 0.3425% | 3,349 |
| Net loans and leases to total assets | 67.9606% | 2,759 |
| Net loans and leases to deposits | 77.5991% | 3,104 |
| Net loans and leases to core deposits | 80.1862% | 3,352 |
| Total domestic deposits to total assets | 87.5791% | 1,529 |
| Equity capital to assets | 10.2797% | 3,543 |
| Core capital (leverage) ratio | 9.8673% | 3,743 |
| Tier 1 risk-based capital ratio | 12.5305% | 4,149 |
| Total risk-based capital ratio | 13.2254% | 4,367 |
| Memoranda: | ||
| Average total assets | $1,496,289,500 | 556 |
| Average earning assets | $1,407,348,500 | 540 |
| Average equity | $151,402,000 | 612 |
| Average total loans | $1,043,428,000 | 556 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 2,579 |
| Cost of funding earning assets | 0.2041% | 4,981 |
| Net interest margin | 4.2566% | 1,257 |
| Noninterest income to average assets | 0.8842% | 1,215 |
| Noninterest expense to average assets | 2.5657% | 3,423 |
| Loan and lease loss provision to assets | -0.0213% | 5,135 |
| Net operating income to assets | 1.7907% | 559 |
| Return on assets (ROA) | 1.8232% | 522 |
| Pretax return on assets | 2.3643% | 261 |
| Return on Equity (ROE) | 19.0525% | 308 |
| Retained earnings to average equity (ytd only) | 12.6057% | 272 |
| Net charge-offs to loans | 0.0328% | 2,749 |
| Credit loss provision to net charge-offs | -90.6706% | 4,388 |
| Earnings coverage of net charge-offs (x) | 97.9038% | 748 |
| Efficiency ratio | 52.4306% | 4,762 |
| Assets per employee ($millions) | 9.5677% | 390 |
| Cash dividends to net income (ytd only)* | 33.8371% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 4,338 |
| Loan loss allowance to noncurrent loans | 268.7648% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,598 |
| Noncurrent loans to loans | 0.3194% | 3,404 |
| Net loans and leases to total assets | 70.3756% | 2,515 |
| Net loans and leases to deposits | 80.3383% | 2,916 |
| Net loans and leases to core deposits | 82.4370% | 3,229 |
| Total domestic deposits to total assets | 87.5990% | 1,487 |
| Equity capital to assets | 9.9565% | 3,722 |
| Core capital (leverage) ratio | 9.5771% | 4,033 |
| Tier 1 risk-based capital ratio | 12.1347% | 4,334 |
| Total risk-based capital ratio | 12.9170% | 4,525 |
| Memoranda: | ||
| Average total assets | $1,458,841,600 | 557 |
| Average earning assets | $1,365,185,000 | 538 |
| Average equity | $139,603,800 | 620 |
| Average total loans | $1,044,631,000 | 538 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 2,513 |
| Cost of funding earning assets | 0.1835% | 5,082 |
| Net interest margin | 4.2521% | 1,229 |
| Noninterest income to average assets | 0.8965% | 1,213 |
| Noninterest expense to average assets | 2.5273% | 3,510 |
| Loan and lease loss provision to assets | -0.0506% | 5,292 |
| Net operating income to assets | 1.8493% | 551 |
| Return on assets (ROA) | 1.8928% | 493 |
| Pretax return on assets | 2.4495% | 256 |
| Return on Equity (ROE) | 19.9879% | 275 |
| Retained earnings to average equity (ytd only) | 16.1050% | 130 |
| Net charge-offs to loans | 0.0402% | 2,283 |
| Credit loss provision to net charge-offs | -175.1592% | 4,307 |
| Earnings coverage of net charge-offs (x) | 81.1999% | 871 |
| Efficiency ratio | 51.5965% | 4,847 |
| Assets per employee ($millions) | 8.5674% | 516 |
| Cash dividends to net income (ytd only)* | 19.4260% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 4,438 |
| Loan loss allowance to noncurrent loans | 310.7730% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,793 |
| Noncurrent loans to loans | 0.2754% | 3,696 |
| Net loans and leases to total assets | 70.2444% | 2,606 |
| Net loans and leases to deposits | 81.1689% | 2,906 |
| Net loans and leases to core deposits | 83.8134% | 3,172 |
| Total domestic deposits to total assets | 86.5411% | 1,953 |
| Equity capital to assets | 9.8815% | 3,757 |
| Core capital (leverage) ratio | 9.5541% | 4,109 |
| Tier 1 risk-based capital ratio | 12.1322% | 4,426 |
| Total risk-based capital ratio | 12.9023% | 4,594 |
| Memoranda: | ||
| Average total assets | $1,450,413,250 | 555 |
| Average earning assets | $1,355,763,250 | 540 |
| Average equity | $137,353,250 | 624 |
| Average total loans | $1,040,916,250 | 538 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3546% | 2,567 |
| Cost of funding earning assets | 0.1699% | 5,155 |
| Net interest margin | 4.1847% | 1,321 |
| Noninterest income to average assets | 0.8974% | 1,191 |
| Noninterest expense to average assets | 2.5361% | 3,529 |
| Loan and lease loss provision to assets | -0.0450% | 5,373 |
| Net operating income to assets | 1.7911% | 588 |
| Return on assets (ROA) | 1.8660% | 506 |
| Pretax return on assets | 2.4121% | 265 |
| Return on Equity (ROE) | 19.9982% | 265 |
| Retained earnings to average equity (ytd only) | 17.0326% | 123 |
| Net charge-offs to loans | -0.0102% | 4,325 |
| Credit loss provision to net charge-offs | 613.2075% | 610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4486% | 4,844 |
| Assets per employee ($millions) | 8.2842% | 564 |
| Cash dividends to net income (ytd only)* | 14.8291% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 4,358 |
| Loan loss allowance to noncurrent loans | 606.3340% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 4,177 |
| Noncurrent loans to loans | 0.1478% | 4,238 |
| Net loans and leases to total assets | 71.4544% | 2,374 |
| Net loans and leases to deposits | 84.3137% | 2,500 |
| Net loans and leases to core deposits | 86.8195% | 2,839 |
| Total domestic deposits to total assets | 84.7483% | 2,772 |
| Equity capital to assets | 9.5389% | 4,064 |
| Core capital (leverage) ratio | 9.3701% | 4,284 |
| Tier 1 risk-based capital ratio | 11.3404% | 4,876 |
| Total risk-based capital ratio | 12.1369% | 5,002 |
| Memoranda: | ||
| Average total assets | $1,445,544,330 | 554 |
| Average earning assets | $1,351,023,330 | 542 |
| Average equity | $134,882,330 | 633 |
| Average total loans | $1,041,895,000 | 537 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 2,824 |
| Cost of funding earning assets | 0.1530% | 5,250 |
| Net interest margin | 4.0661% | 1,521 |
| Noninterest income to average assets | 0.8654% | 1,244 |
| Noninterest expense to average assets | 2.5419% | 3,527 |
| Loan and lease loss provision to assets | 0.0273% | 3,162 |
| Net operating income to assets | 1.6322% | 792 |
| Return on assets (ROA) | 1.7960% | 573 |
| Pretax return on assets | 2.3175% | 305 |
| Return on Equity (ROE) | 19.4700% | 288 |
| Retained earnings to average equity (ytd only) | 16.4486% | 224 |
| Net charge-offs to loans | -0.0073% | 4,137 |
| Credit loss provision to net charge-offs | -515.7895% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0175% | 4,797 |
| Assets per employee ($millions) | 7.9595% | 632 |
| Cash dividends to net income (ytd only)* | 15.5183% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,233 |
| Loan loss allowance to noncurrent loans | 617.7833% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 4,134 |
| Noncurrent loans to loans | 0.1532% | 4,293 |
| Net loans and leases to total assets | 72.8602% | 2,044 |
| Net loans and leases to deposits | 85.8761% | 2,178 |
| Net loans and leases to core deposits | 91.8051% | 2,317 |
| Total domestic deposits to total assets | 84.8434% | 2,993 |
| Equity capital to assets | 9.4967% | 4,092 |
| Core capital (leverage) ratio | 9.2149% | 4,415 |
| Tier 1 risk-based capital ratio | 10.9773% | 5,138 |
| Total risk-based capital ratio | 11.8182% | 5,238 |
| Memoranda: | ||
| Average total assets | $1,435,161,000 | 560 |
| Average earning assets | $1,346,171,000 | 548 |
| Average equity | $132,388,500 | 645 |
| Average total loans | $1,034,232,500 | 544 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 2,803 |
| Cost of funding earning assets | 0.1284% | 5,374 |
| Net interest margin | 4.0419% | 1,617 |
| Noninterest income to average assets | 0.8992% | 1,271 |
| Noninterest expense to average assets | 2.5412% | 3,634 |
| Loan and lease loss provision to assets | 0.1370% | 1,671 |
| Net operating income to assets | 1.2435% | 1,380 |
| Return on assets (ROA) | 1.2919% | 1,265 |
| Pretax return on assets | 2.0622% | 426 |
| Return on Equity (ROE) | 14.6681% | 665 |
| Retained earnings to average equity (ytd only) | 11.0414% | 244 |
| Net charge-offs to loans | 0.2328% | 1,114 |
| Credit loss provision to net charge-offs | 86.4308% | 2,847 |
| Earnings coverage of net charge-offs (x) | 13.3968% | 2,400 |
| Efficiency ratio | 54.1452% | 4,943 |
| Assets per employee ($millions) | 8.2587% | 585 |
| Cash dividends to net income (ytd only)* | 24.7253% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 4,208 |
| Loan loss allowance to noncurrent loans | 484.7837% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 4,012 |
| Noncurrent loans to loans | 0.1959% | 4,132 |
| Net loans and leases to total assets | 69.9382% | 2,525 |
| Net loans and leases to deposits | 82.6938% | 2,643 |
| Net loans and leases to core deposits | 87.6474% | 2,755 |
| Total domestic deposits to total assets | 84.5748% | 3,004 |
| Equity capital to assets | 8.9595% | 4,763 |
| Core capital (leverage) ratio | 8.5431% | 5,100 |
| Tier 1 risk-based capital ratio | 10.5797% | 5,340 |
| Total risk-based capital ratio | 11.4153% | 5,417 |
| Memoranda: | ||
| Average total assets | $1,408,767,400 | 545 |
| Average earning assets | $1,312,396,400 | 540 |
| Average equity | $124,078,400 | 662 |
| Average total loans | $959,061,800 | 559 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 2,812 |
| Cost of funding earning assets | 0.1293% | 5,432 |
| Net interest margin | 4.0167% | 1,648 |
| Noninterest income to average assets | 0.9388% | 1,165 |
| Noninterest expense to average assets | 2.5093% | 3,701 |
| Loan and lease loss provision to assets | 0.1239% | 1,745 |
| Net operating income to assets | 1.3971% | 1,095 |
| Return on assets (ROA) | 1.4545% | 999 |
| Pretax return on assets | 2.1250% | 429 |
| Return on Equity (ROE) | 16.5884% | 473 |
| Retained earnings to average equity (ytd only) | 13.3242% | 191 |
| Net charge-offs to loans | 0.1360% | 1,435 |
| Credit loss provision to net charge-offs | 135.1717% | 1,818 |
| Earnings coverage of net charge-offs (x) | 23.6098% | 1,803 |
| Efficiency ratio | 53.3475% | 4,984 |
| Assets per employee ($millions) | 8.3834% | 547 |
| Cash dividends to net income (ytd only)* | 19.6773% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,806 |
| Loan loss allowance to noncurrent loans | 293.7518% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 3,827 |
| Noncurrent loans to loans | 0.3566% | 3,677 |
| Net loans and leases to total assets | 68.8716% | 2,715 |
| Net loans and leases to deposits | 80.3800% | 2,937 |
| Net loans and leases to core deposits | 85.1663% | 3,034 |
| Total domestic deposits to total assets | 85.6825% | 2,435 |
| Equity capital to assets | 9.0726% | 4,848 |
| Core capital (leverage) ratio | 8.6004% | 5,163 |
| Tier 1 risk-based capital ratio | 10.6807% | 5,380 |
| Total risk-based capital ratio | 11.5955% | 5,439 |
| Memoranda: | ||
| Average total assets | $1,397,575,750 | 550 |
| Average earning assets | $1,299,589,500 | 546 |
| Average equity | $122,540,750 | 674 |
| Average total loans | $942,246,250 | 568 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 2,890 |
| Cost of funding earning assets | 0.1268% | 5,469 |
| Net interest margin | 3.9536% | 1,761 |
| Noninterest income to average assets | 0.9644% | 1,101 |
| Noninterest expense to average assets | 2.5398% | 3,620 |
| Loan and lease loss provision to assets | 0.0176% | 3,612 |
| Net operating income to assets | 1.4199% | 1,021 |
| Return on assets (ROA) | 1.4800% | 920 |
| Pretax return on assets | 2.1703% | 372 |
| Return on Equity (ROE) | 17.0824% | 404 |
| Retained earnings to average equity (ytd only) | 15.4197% | 122 |
| Net charge-offs to loans | 0.2193% | 930 |
| Credit loss provision to net charge-offs | 12.0197% | 2,838 |
| Earnings coverage of net charge-offs (x) | 14.3586% | 2,075 |
| Efficiency ratio | 54.3984% | 4,986 |
| Assets per employee ($millions) | 8.1387% | 591 |
| Cash dividends to net income (ytd only)* | 9.7333% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 4,277 |
| Loan loss allowance to noncurrent loans | 555.4275% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 4,265 |
| Noncurrent loans to loans | 0.1761% | 4,416 |
| Net loans and leases to total assets | 65.8422% | 3,130 |
| Net loans and leases to deposits | 77.8539% | 3,129 |
| Net loans and leases to core deposits | 82.2721% | 3,230 |
| Total domestic deposits to total assets | 84.5714% | 2,992 |
| Equity capital to assets | 8.9156% | 4,972 |
| Core capital (leverage) ratio | 8.4531% | 5,253 |
| Tier 1 risk-based capital ratio | 10.9201% | 5,298 |
| Total risk-based capital ratio | 11.7665% | 5,379 |
| Memoranda: | ||
| Average total assets | $1,388,372,670 | 553 |
| Average earning assets | $1,290,481,000 | 550 |
| Average equity | $120,287,330 | 689 |
| Average total loans | $925,682,670 | 578 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 2,944 |
| Cost of funding earning assets | 0.1262% | 5,523 |
| Net interest margin | 3.8989% | 1,782 |
| Noninterest income to average assets | 0.8995% | 1,243 |
| Noninterest expense to average assets | 2.5540% | 3,648 |
| Loan and lease loss provision to assets | 0.1271% | 1,518 |
| Net operating income to assets | 1.2732% | 1,313 |
| Return on assets (ROA) | 1.2822% | 1,322 |
| Pretax return on assets | 1.8518% | 718 |
| Return on Equity (ROE) | 15.0222% | 638 |
| Retained earnings to average equity (ytd only) | 15.0222% | 229 |
| Net charge-offs to loans | 0.3677% | 503 |
| Credit loss provision to net charge-offs | 51.7730% | 1,969 |
| Earnings coverage of net charge-offs (x) | 8.0083% | 2,089 |
| Efficiency ratio | 56.1469% | 4,923 |
| Assets per employee ($millions) | 7.8999% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,960 |
| Loan loss allowance to noncurrent loans | 353.5191% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 3,683 |
| Noncurrent loans to loans | 0.2984% | 4,047 |
| Net loans and leases to total assets | 65.4224% | 3,059 |
| Net loans and leases to deposits | 76.3460% | 3,157 |
| Net loans and leases to core deposits | 80.4681% | 3,244 |
| Total domestic deposits to total assets | 85.6920% | 2,801 |
| Equity capital to assets | 8.6838% | 5,084 |
| Core capital (leverage) ratio | 8.3966% | 5,311 |
| Tier 1 risk-based capital ratio | 10.9150% | 5,352 |
| Total risk-based capital ratio | 11.8439% | 5,420 |
| Memoranda: | ||
| Average total assets | $1,378,563,500 | 560 |
| Average earning assets | $1,280,066,000 | 557 |
| Average equity | $117,665,500 | 697 |
| Average total loans | $920,418,500 | 586 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 2,832 |
| Cost of funding earning assets | 0.1544% | 5,394 |
| Net interest margin | 3.9494% | 1,793 |
| Noninterest income to average assets | 0.9262% | 1,330 |
| Noninterest expense to average assets | 2.7249% | 3,265 |
| Loan and lease loss provision to assets | 0.1422% | 1,758 |
| Net operating income to assets | 1.1682% | 1,614 |
| Return on assets (ROA) | 1.3239% | 1,217 |
| Pretax return on assets | 1.9475% | 563 |
| Return on Equity (ROE) | 15.4424% | 571 |
| Retained earnings to average equity (ytd only) | 6.6788% | 1,366 |
| Net charge-offs to loans | -0.0540% | 5,415 |
| Credit loss provision to net charge-offs | -404.4872% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0301% | 4,722 |
| Assets per employee ($millions) | 7.8105% | 651 |
| Cash dividends to net income (ytd only)* | 56.7505% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,799 |
| Loan loss allowance to noncurrent loans | 197.4077% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 2,987 |
| Noncurrent loans to loans | 0.5495% | 3,200 |
| Net loans and leases to total assets | 66.6854% | 2,975 |
| Net loans and leases to deposits | 83.9893% | 2,419 |
| Net loans and leases to core deposits | 88.7273% | 2,606 |
| Total domestic deposits to total assets | 79.3975% | 4,698 |
| Equity capital to assets | 8.3861% | 5,357 |
| Core capital (leverage) ratio | 8.1595% | 5,527 |
| Tier 1 risk-based capital ratio | 10.2512% | 5,672 |
| Total risk-based capital ratio | 11.1958% | 5,714 |
| Memoranda: | ||
| Average total assets | $1,330,970,600 | 554 |
| Average earning assets | $1,233,294,200 | 550 |
| Average equity | $114,108,000 | 703 |
| Average total loans | $866,596,600 | 585 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0873% | 2,922 |
| Cost of funding earning assets | 0.1620% | 5,400 |
| Net interest margin | 3.9253% | 1,893 |
| Noninterest income to average assets | 0.9224% | 1,341 |
| Noninterest expense to average assets | 2.6121% | 3,615 |
| Loan and lease loss provision to assets | 0.1792% | 1,243 |
| Net operating income to assets | 1.1953% | 1,652 |
| Return on assets (ROA) | 1.3696% | 1,196 |
| Pretax return on assets | 2.0205% | 547 |
| Return on Equity (ROE) | 15.8850% | 558 |
| Retained earnings to average equity (ytd only) | 4.1704% | 3,351 |
| Net charge-offs to loans | -0.1307% | 5,659 |
| Credit loss provision to net charge-offs | -212.4551% | 4,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9344% | 4,958 |
| Assets per employee ($millions) | 7.7541% | 654 |
| Cash dividends to net income (ytd only)* | 73.7463% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 3,729 |
| Loan loss allowance to noncurrent loans | 98.2168% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0369% | 1,988 |
| Noncurrent loans to loans | 1.1409% | 1,970 |
| Net loans and leases to total assets | 68.9483% | 2,650 |
| Net loans and leases to deposits | 82.5091% | 2,672 |
| Net loans and leases to core deposits | 88.8526% | 2,678 |
| Total domestic deposits to total assets | 83.5645% | 3,370 |
| Equity capital to assets | 8.7730% | 5,340 |
| Core capital (leverage) ratio | 8.0955% | 5,640 |
| Tier 1 risk-based capital ratio | 10.0408% | 5,781 |
| Total risk-based capital ratio | 11.0270% | 5,820 |
| Memoranda: | ||
| Average total assets | $1,320,051,500 | 558 |
| Average earning assets | $1,221,737,500 | 552 |
| Average equity | $113,815,250 | 707 |
| Average total loans | $851,560,500 | 589 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,030 |
| Cost of funding earning assets | 0.1692% | 5,419 |
| Net interest margin | 3.8895% | 2,017 |
| Noninterest income to average assets | 0.9161% | 1,326 |
| Noninterest expense to average assets | 2.6256% | 3,630 |
| Loan and lease loss provision to assets | 0.0150% | 3,808 |
| Net operating income to assets | 1.2400% | 1,464 |
| Return on assets (ROA) | 1.4744% | 983 |
| Pretax return on assets | 2.2310% | 355 |
| Return on Equity (ROE) | 17.2007% | 423 |
| Retained earnings to average equity (ytd only) | 6.6004% | 1,816 |
| Net charge-offs to loans | -0.2803% | 5,874 |
| Credit loss provision to net charge-offs | -8.5198% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7186% | 4,945 |
| Assets per employee ($millions) | 7.7258% | 639 |
| Cash dividends to net income (ytd only)* | 61.6270% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 4,365 |
| Loan loss allowance to noncurrent loans | 137.2164% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 2,736 |
| Noncurrent loans to loans | 0.7481% | 2,870 |
| Net loans and leases to total assets | 65.3347% | 3,175 |
| Net loans and leases to deposits | 81.2441% | 2,788 |
| Net loans and leases to core deposits | 85.9445% | 2,905 |
| Total domestic deposits to total assets | 80.4178% | 4,445 |
| Equity capital to assets | 8.7483% | 5,441 |
| Core capital (leverage) ratio | 8.1027% | 5,669 |
| Tier 1 risk-based capital ratio | 10.3306% | 5,748 |
| Total risk-based capital ratio | 11.2111% | 5,812 |
| Memoranda: | ||
| Average total assets | $1,320,667,670 | 560 |
| Average earning assets | $1,222,514,000 | 554 |
| Average equity | $113,205,000 | 714 |
| Average total loans | $829,021,000 | 595 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 3,139 |
| Cost of funding earning assets | 0.1742% | 5,427 |
| Net interest margin | 3.8494% | 2,106 |
| Noninterest income to average assets | 0.8482% | 1,451 |
| Noninterest expense to average assets | 2.6434% | 3,596 |
| Loan and lease loss provision to assets | 0.2987% | 528 |
| Net operating income to assets | 0.9964% | 2,294 |
| Return on assets (ROA) | 1.2402% | 1,533 |
| Pretax return on assets | 1.8442% | 778 |
| Return on Equity (ROE) | 14.6188% | 725 |
| Retained earnings to average equity (ytd only) | 3.9064% | 3,540 |
| Net charge-offs to loans | 0.0208% | 2,519 |
| Credit loss provision to net charge-offs | 2,347.6190% | 177 |
| Earnings coverage of net charge-offs (x) | 139.8333% | 425 |
| Efficiency ratio | 59.3465% | 4,829 |
| Assets per employee ($millions) | 7.6758% | 647 |
| Cash dividends to net income (ytd only)* | 73.2780% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 4,305 |
| Loan loss allowance to noncurrent loans | 130.5169% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 2,792 |
| Noncurrent loans to loans | 0.8095% | 2,812 |
| Net loans and leases to total assets | 61.9687% | 3,532 |
| Net loans and leases to deposits | 75.8502% | 3,234 |
| Net loans and leases to core deposits | 79.5762% | 3,361 |
| Total domestic deposits to total assets | 81.6988% | 4,307 |
| Equity capital to assets | 8.7008% | 5,420 |
| Core capital (leverage) ratio | 7.9336% | 5,799 |
| Tier 1 risk-based capital ratio | 10.6449% | 5,687 |
| Total risk-based capital ratio | 11.5446% | 5,760 |
| Memoranda: | ||
| Average total assets | $1,320,445,000 | 562 |
| Average earning assets | $1,226,048,500 | 552 |
| Average equity | $112,020,000 | 719 |
| Average total loans | $807,483,000 | 616 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,652 |
| Cost of funding earning assets | 0.2379% | 4,916 |
| Net interest margin | 3.6764% | 2,847 |
| Noninterest income to average assets | 0.8936% | 1,460 |
| Noninterest expense to average assets | 2.7875% | 3,287 |
| Loan and lease loss provision to assets | 0.0803% | 2,676 |
| Net operating income to assets | 0.9867% | 2,435 |
| Return on assets (ROA) | 1.1318% | 1,860 |
| Pretax return on assets | 1.6366% | 1,145 |
| Return on Equity (ROE) | 12.4824% | 1,183 |
| Retained earnings to average equity (ytd only) | -3.5583% | 5,849 |
| Net charge-offs to loans | 0.0196% | 3,875 |
| Credit loss provision to net charge-offs | 700.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 131.3551% | 466 |
| Efficiency ratio | 64.7563% | 4,125 |
| Assets per employee ($millions) | 7.5480% | 679 |
| Cash dividends to net income (ytd only)* | 128.5064% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 4,796 |
| Loan loss allowance to noncurrent loans | 122.8987% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 2,837 |
| Noncurrent loans to loans | 0.7845% | 2,823 |
| Net loans and leases to total assets | 59.1330% | 3,951 |
| Net loans and leases to deposits | 72.8093% | 3,633 |
| Net loans and leases to core deposits | 76.5407% | 3,709 |
| Total domestic deposits to total assets | 81.2162% | 4,421 |
| Equity capital to assets | 8.2713% | 5,725 |
| Core capital (leverage) ratio | 7.7577% | 5,921 |
| Tier 1 risk-based capital ratio | 10.3843% | 5,826 |
| Total risk-based capital ratio | 11.1750% | 5,924 |
| Memoranda: | ||
| Average total assets | $1,203,194,800 | 586 |
| Average earning assets | $1,112,895,000 | 579 |
| Average equity | $109,097,800 | 703 |
| Average total loans | $703,409,200 | 658 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8561% | 3,914 |
| Cost of funding earning assets | 0.2581% | 4,788 |
| Net interest margin | 3.5980% | 3,169 |
| Noninterest income to average assets | 0.9348% | 1,358 |
| Noninterest expense to average assets | 2.6798% | 3,632 |
| Loan and lease loss provision to assets | 0.0446% | 3,322 |
| Net operating income to assets | 1.0647% | 2,151 |
| Return on assets (ROA) | 1.2583% | 1,519 |
| Pretax return on assets | 1.8141% | 877 |
| Return on Equity (ROE) | 13.5382% | 997 |
| Retained earnings to average equity (ytd only) | 9.2470% | 811 |
| Net charge-offs to loans | 0.0194% | 3,549 |
| Credit loss provision to net charge-offs | 394.9495% | 773 |
| Earnings coverage of net charge-offs (x) | 139.8753% | 490 |
| Efficiency ratio | 62.8974% | 4,422 |
| Assets per employee ($millions) | 6.9340% | 895 |
| Cash dividends to net income (ytd only)* | 31.6972% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 5,140 |
| Loan loss allowance to noncurrent loans | 99.4302% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8678% | 2,706 |
| Noncurrent loans to loans | 0.9211% | 2,677 |
| Net loans and leases to total assets | 60.3434% | 3,834 |
| Net loans and leases to deposits | 73.9075% | 3,556 |
| Net loans and leases to core deposits | 78.3062% | 3,578 |
| Total domestic deposits to total assets | 81.6473% | 4,276 |
| Equity capital to assets | 9.6612% | 4,559 |
| Core capital (leverage) ratio | 9.4801% | 4,325 |
| Tier 1 risk-based capital ratio | 11.8694% | 5,155 |
| Total risk-based capital ratio | 12.6267% | 5,354 |
| Memoranda: | ||
| Average total assets | $1,169,992,500 | 607 |
| Average earning assets | $1,080,617,250 | 599 |
| Average equity | $108,746,000 | 713 |
| Average total loans | $679,834,000 | 689 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 3,697 |
| Cost of funding earning assets | 0.2922% | 4,478 |
| Net interest margin | 3.6073% | 3,059 |
| Noninterest income to average assets | 0.9557% | 1,289 |
| Noninterest expense to average assets | 2.6344% | 3,797 |
| Loan and lease loss provision to assets | 0.0042% | 4,005 |
| Net operating income to assets | 1.1208% | 1,873 |
| Return on assets (ROA) | 1.3815% | 1,168 |
| Pretax return on assets | 2.0295% | 565 |
| Return on Equity (ROE) | 15.0882% | 717 |
| Retained earnings to average equity (ytd only) | 8.3369% | 1,139 |
| Net charge-offs to loans | -0.0080% | 4,868 |
| Credit loss provision to net charge-offs | -92.3077% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4839% | 4,756 |
| Assets per employee ($millions) | 6.9608% | 840 |
| Cash dividends to net income (ytd only)* | 44.7456% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 4,628 |
| Loan loss allowance to noncurrent loans | 231.5913% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 3,569 |
| Noncurrent loans to loans | 0.4515% | 4,116 |
| Net loans and leases to total assets | 57.3094% | 4,185 |
| Net loans and leases to deposits | 73.4262% | 3,563 |
| Net loans and leases to core deposits | 77.9254% | 3,582 |
| Total domestic deposits to total assets | 78.0503% | 5,275 |
| Equity capital to assets | 9.2682% | 4,934 |
| Core capital (leverage) ratio | 8.4057% | 5,628 |
| Tier 1 risk-based capital ratio | 11.6605% | 5,361 |
| Total risk-based capital ratio | 12.5080% | 5,519 |
| Memoranda: | ||
| Average total assets | $1,132,395,330 | 630 |
| Average earning assets | $1,045,060,000 | 618 |
| Average equity | $103,684,000 | 751 |
| Average total loans | $646,035,000 | 724 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 3,619 |
| Cost of funding earning assets | 0.3284% | 4,120 |
| Net interest margin | 3.5704% | 3,123 |
| Noninterest income to average assets | 0.9090% | 1,360 |
| Noninterest expense to average assets | 2.6373% | 3,797 |
| Loan and lease loss provision to assets | -0.0582% | 6,174 |
| Net operating income to assets | 1.1134% | 1,822 |
| Return on assets (ROA) | 1.4769% | 946 |
| Pretax return on assets | 2.1805% | 398 |
| Return on Equity (ROE) | 16.2301% | 540 |
| Retained earnings to average equity (ytd only) | 10.3835% | 835 |
| Net charge-offs to loans | 0.0182% | 2,801 |
| Credit loss provision to net charge-offs | -565.5172% | 4,847 |
| Earnings coverage of net charge-offs (x) | 154.3793% | 351 |
| Efficiency ratio | 62.4192% | 4,723 |
| Assets per employee ($millions) | 6.4711% | 1,091 |
| Cash dividends to net income (ytd only)* | 36.0231% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 4,798 |
| Loan loss allowance to noncurrent loans | 152.1095% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 3,042 |
| Noncurrent loans to loans | 0.6861% | 3,563 |
| Net loans and leases to total assets | 56.8209% | 4,109 |
| Net loans and leases to deposits | 71.8331% | 3,549 |
| Net loans and leases to core deposits | 76.0687% | 3,589 |
| Total domestic deposits to total assets | 79.1013% | 5,247 |
| Equity capital to assets | 9.3828% | 4,877 |
| Core capital (leverage) ratio | 8.4890% | 5,526 |
| Tier 1 risk-based capital ratio | 11.6220% | 5,481 |
| Total risk-based capital ratio | 12.4516% | 5,626 |
| Memoranda: | ||
| Average total assets | $1,127,805,500 | 624 |
| Average earning assets | $1,047,511,000 | 611 |
| Average equity | $102,624,000 | 759 |
| Average total loans | $638,481,000 | 729 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 3,666 |
| Cost of funding earning assets | 0.4126% | 3,572 |
| Net interest margin | 3.6039% | 3,403 |
| Noninterest income to average assets | 0.8942% | 1,516 |
| Noninterest expense to average assets | 2.7825% | 3,549 |
| Loan and lease loss provision to assets | 0.1132% | 2,283 |
| Net operating income to assets | 0.9449% | 2,648 |
| Return on assets (ROA) | 0.9661% | 2,635 |
| Pretax return on assets | 1.3431% | 2,099 |
| Return on Equity (ROE) | 10.4120% | 1,951 |
| Retained earnings to average equity (ytd only) | 1.2876% | 5,198 |
| Net charge-offs to loans | 0.2644% | 1,633 |
| Credit loss provision to net charge-offs | 78.0156% | 2,905 |
| Earnings coverage of net charge-offs (x) | 9.8366% | 2,691 |
| Efficiency ratio | 66.1028% | 4,228 |
| Assets per employee ($millions) | 6.5666% | 1,020 |
| Cash dividends to net income (ytd only)* | 87.6339% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 4,660 |
| Loan loss allowance to noncurrent loans | 106.9670% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9287% | 2,895 |
| Noncurrent loans to loans | 1.0059% | 2,820 |
| Net loans and leases to total assets | 55.2255% | 4,419 |
| Net loans and leases to deposits | 73.3319% | 3,511 |
| Net loans and leases to core deposits | 78.4610% | 3,473 |
| Total domestic deposits to total assets | 75.3089% | 5,820 |
| Equity capital to assets | 8.8235% | 5,463 |
| Core capital (leverage) ratio | 8.2176% | 5,843 |
| Tier 1 risk-based capital ratio | 12.1255% | 5,284 |
| Total risk-based capital ratio | 13.0425% | 5,405 |
| Memoranda: | ||
| Average total assets | $1,063,048,000 | 633 |
| Average earning assets | $977,843,800 | 623 |
| Average equity | $98,636,400 | 743 |
| Average total loans | $583,260,600 | 756 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 3,522 |
| Cost of funding earning assets | 0.4295% | 3,470 |
| Net interest margin | 3.6310% | 3,308 |
| Noninterest income to average assets | 0.9024% | 1,509 |
| Noninterest expense to average assets | 2.7863% | 3,515 |
| Loan and lease loss provision to assets | 0.0118% | 4,183 |
| Net operating income to assets | 1.0215% | 2,359 |
| Return on assets (ROA) | 1.0551% | 2,281 |
| Pretax return on assets | 1.4805% | 1,710 |
| Return on Equity (ROE) | 11.2205% | 1,707 |
| Retained earnings to average equity (ytd only) | 2.3855% | 4,866 |
| Net charge-offs to loans | 0.1418% | 2,378 |
| Credit loss provision to net charge-offs | 15.1815% | 3,633 |
| Earnings coverage of net charge-offs (x) | 18.6551% | 1,829 |
| Efficiency ratio | 65.8511% | 4,233 |
| Assets per employee ($millions) | 6.0097% | 1,332 |
| Cash dividends to net income (ytd only)* | 78.7402% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 4,779 |
| Loan loss allowance to noncurrent loans | 120.5045% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 3,133 |
| Noncurrent loans to loans | 0.9069% | 3,291 |
| Net loans and leases to total assets | 56.5834% | 4,257 |
| Net loans and leases to deposits | 73.0459% | 3,559 |
| Net loans and leases to core deposits | 80.2222% | 3,292 |
| Total domestic deposits to total assets | 77.4628% | 5,609 |
| Equity capital to assets | 9.4091% | 4,908 |
| Core capital (leverage) ratio | 8.7363% | 5,402 |
| Tier 1 risk-based capital ratio | 12.9276% | 4,909 |
| Total risk-based capital ratio | 13.8755% | 5,007 |
| Memoranda: | ||
| Average total assets | $1,043,165,000 | 639 |
| Average earning assets | $956,378,000 | 636 |
| Average equity | $98,091,750 | 745 |
| Average total loans | $569,611,250 | 775 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 3,553 |
| Cost of funding earning assets | 0.4367% | 3,474 |
| Net interest margin | 3.6116% | 3,313 |
| Noninterest income to average assets | 0.8974% | 1,503 |
| Noninterest expense to average assets | 2.8028% | 3,495 |
| Loan and lease loss provision to assets | 0.0889% | 2,544 |
| Net operating income to assets | 0.9508% | 2,548 |
| Return on assets (ROA) | 0.9773% | 2,502 |
| Pretax return on assets | 1.3543% | 2,067 |
| Return on Equity (ROE) | 10.3950% | 1,980 |
| Retained earnings to average equity (ytd only) | 2.1679% | 4,808 |
| Net charge-offs to loans | 0.3723% | 1,094 |
| Credit loss provision to net charge-offs | 44.4874% | 2,869 |
| Earnings coverage of net charge-offs (x) | 7.0348% | 2,688 |
| Efficiency ratio | 66.5855% | 4,267 |
| Assets per employee ($millions) | 5.8995% | 1,354 |
| Cash dividends to net income (ytd only)* | 79.1452% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 4,664 |
| Loan loss allowance to noncurrent loans | 138.6321% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.0013% | 3,060 |
| Noncurrent loans to loans | 0.8291% | 3,628 |
| Net loans and leases to total assets | 54.2826% | 4,505 |
| Net loans and leases to deposits | 69.9833% | 3,827 |
| Net loans and leases to core deposits | 76.3813% | 3,591 |
| Total domestic deposits to total assets | 77.5650% | 5,711 |
| Equity capital to assets | 9.5123% | 4,732 |
| Core capital (leverage) ratio | 8.7623% | 5,324 |
| Tier 1 risk-based capital ratio | 13.2734% | 4,741 |
| Total risk-based capital ratio | 14.2454% | 4,854 |
| Memoranda: | ||
| Average total assets | $1,034,312,670 | 645 |
| Average earning assets | $948,502,330 | 640 |
| Average equity | $97,238,670 | 752 |
| Average total loans | $555,490,670 | 788 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,694 |
| Cost of funding earning assets | 0.4422% | 3,514 |
| Net interest margin | 3.5554% | 3,455 |
| Noninterest income to average assets | 0.8823% | 1,447 |
| Noninterest expense to average assets | 2.8172% | 3,505 |
| Loan and lease loss provision to assets | 0.0585% | 2,948 |
| Net operating income to assets | 0.8791% | 2,751 |
| Return on assets (ROA) | 0.8570% | 2,934 |
| Pretax return on assets | 1.2307% | 2,346 |
| Return on Equity (ROE) | 9.1708% | 2,385 |
| Retained earnings to average equity (ytd only) | -1.2553% | 5,767 |
| Net charge-offs to loans | 0.7076% | 506 |
| Credit loss provision to net charge-offs | 15.5602% | 2,552 |
| Earnings coverage of net charge-offs (x) | 3.5156% | 2,674 |
| Efficiency ratio | 68.0825% | 4,167 |
| Assets per employee ($millions) | 5.6065% | 1,610 |
| Cash dividends to net income (ytd only)* | 113.6880% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 4,905 |
| Loan loss allowance to noncurrent loans | 122.9644% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 2,937 |
| Noncurrent loans to loans | 0.9297% | 3,561 |
| Net loans and leases to total assets | 54.1375% | 4,394 |
| Net loans and leases to deposits | 69.9100% | 3,614 |
| Net loans and leases to core deposits | 76.2958% | 3,379 |
| Total domestic deposits to total assets | 77.4389% | 5,909 |
| Equity capital to assets | 9.5503% | 4,427 |
| Core capital (leverage) ratio | 8.9203% | 5,115 |
| Tier 1 risk-based capital ratio | 13.5413% | 4,654 |
| Total risk-based capital ratio | 14.5115% | 4,787 |
| Memoranda: | ||
| Average total assets | $1,026,411,000 | 653 |
| Average earning assets | $939,870,500 | 649 |
| Average equity | $95,913,000 | 762 |
| Average total loans | $544,907,000 | 804 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 4,754 |
| Cost of funding earning assets | 0.4834% | 3,783 |
| Net interest margin | 3.3329% | 4,541 |
| Noninterest income to average assets | 1.0569% | 1,261 |
| Noninterest expense to average assets | 2.8287% | 3,622 |
| Loan and lease loss provision to assets | 0.1784% | 2,072 |
| Net operating income to assets | 0.7824% | 3,380 |
| Return on assets (ROA) | 0.9021% | 2,854 |
| Pretax return on assets | 1.2371% | 2,429 |
| Return on Equity (ROE) | 9.5517% | 2,308 |
| Retained earnings to average equity (ytd only) | 5.9175% | 2,018 |
| Net charge-offs to loans | 0.2855% | 2,262 |
| Credit loss provision to net charge-offs | 125.1032% | 1,896 |
| Earnings coverage of net charge-offs (x) | 8.7779% | 2,609 |
| Efficiency ratio | 69.3271% | 3,952 |
| Assets per employee ($millions) | 5.4917% | 1,659 |
| Cash dividends to net income (ytd only)* | 38.0476% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 3,862 |
| Loan loss allowance to noncurrent loans | 104.6802% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 2,755 |
| Noncurrent loans to loans | 1.2956% | 2,966 |
| Net loans and leases to total assets | 50.7356% | 5,001 |
| Net loans and leases to deposits | 68.4214% | 3,986 |
| Net loans and leases to core deposits | 75.2272% | 3,702 |
| Total domestic deposits to total assets | 74.1516% | 6,268 |
| Equity capital to assets | 9.1412% | 4,879 |
| Core capital (leverage) ratio | 8.8429% | 5,224 |
| Tier 1 risk-based capital ratio | 13.7179% | 4,508 |
| Total risk-based capital ratio | 14.8225% | 4,547 |
| Memoranda: | ||
| Average total assets | $1,019,782,800 | 646 |
| Average earning assets | $925,067,000 | 643 |
| Average equity | $96,307,400 | 734 |
| Average total loans | $509,231,200 | 836 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 4,902 |
| Cost of funding earning assets | 0.4935% | 3,838 |
| Net interest margin | 3.2938% | 4,664 |
| Noninterest income to average assets | 1.1350% | 1,139 |
| Noninterest expense to average assets | 2.8043% | 3,647 |
| Loan and lease loss provision to assets | 0.1626% | 2,223 |
| Net operating income to assets | 0.8331% | 3,173 |
| Return on assets (ROA) | 0.9999% | 2,462 |
| Pretax return on assets | 1.3752% | 2,015 |
| Return on Equity (ROE) | 10.5022% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.7472% | 1,525 |
| Net charge-offs to loans | 0.2832% | 2,125 |
| Credit loss provision to net charge-offs | 115.8879% | 2,033 |
| Earnings coverage of net charge-offs (x) | 9.3308% | 2,495 |
| Efficiency ratio | 68.1694% | 4,066 |
| Assets per employee ($millions) | 5.2060% | 1,924 |
| Cash dividends to net income (ytd only)* | 26.2329% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 4,010 |
| Loan loss allowance to noncurrent loans | 94.6125% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.6096% | 2,536 |
| Noncurrent loans to loans | 1.4518% | 2,989 |
| Net loans and leases to total assets | 50.3350% | 5,106 |
| Net loans and leases to deposits | 65.6906% | 4,341 |
| Net loans and leases to core deposits | 72.7755% | 4,000 |
| Total domestic deposits to total assets | 76.6244% | 6,099 |
| Equity capital to assets | 9.4612% | 4,599 |
| Core capital (leverage) ratio | 9.0744% | 5,000 |
| Tier 1 risk-based capital ratio | 13.9780% | 4,448 |
| Total risk-based capital ratio | 15.0771% | 4,507 |
| Memoranda: | ||
| Average total assets | $1,016,618,250 | 651 |
| Average earning assets | $919,363,000 | 649 |
| Average equity | $96,790,000 | 735 |
| Average total loans | $503,784,750 | 841 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 4,937 |
| Cost of funding earning assets | 0.4979% | 3,921 |
| Net interest margin | 3.2701% | 4,688 |
| Noninterest income to average assets | 1.2736% | 950 |
| Noninterest expense to average assets | 2.7426% | 3,881 |
| Loan and lease loss provision to assets | 0.1405% | 2,574 |
| Net operating income to assets | 0.9648% | 2,488 |
| Return on assets (ROA) | 1.1668% | 1,792 |
| Pretax return on assets | 1.6420% | 1,249 |
| Return on Equity (ROE) | 12.2301% | 1,419 |
| Retained earnings to average equity (ytd only) | 8.1288% | 1,432 |
| Net charge-offs to loans | 0.3732% | 1,712 |
| Credit loss provision to net charge-offs | 76.7094% | 2,694 |
| Earnings coverage of net charge-offs (x) | 8.1806% | 2,445 |
| Efficiency ratio | 64.6752% | 4,760 |
| Assets per employee ($millions) | 5.4463% | 1,632 |
| Cash dividends to net income (ytd only)* | 33.5345% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 4,461 |
| Loan loss allowance to noncurrent loans | 76.9115% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.7244% | 2,525 |
| Noncurrent loans to loans | 1.7024% | 2,757 |
| Net loans and leases to total assets | 48.4667% | 5,288 |
| Net loans and leases to deposits | 66.6667% | 4,189 |
| Net loans and leases to core deposits | 73.9066% | 3,824 |
| Total domestic deposits to total assets | 72.7000% | 6,519 |
| Equity capital to assets | 9.1553% | 5,040 |
| Core capital (leverage) ratio | 8.7017% | 5,418 |
| Tier 1 risk-based capital ratio | 13.7449% | 4,608 |
| Total risk-based capital ratio | 14.7833% | 4,704 |
| Memoranda: | ||
| Average total assets | $1,022,306,000 | 648 |
| Average earning assets | $927,565,330 | 645 |
| Average equity | $97,530,000 | 733 |
| Average total loans | $501,668,670 | 841 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,950 |
| Cost of funding earning assets | 0.5065% | 4,023 |
| Net interest margin | 3.2552% | 4,710 |
| Noninterest income to average assets | 1.3027% | 906 |
| Noninterest expense to average assets | 2.6864% | 4,120 |
| Loan and lease loss provision to assets | 0.0424% | 3,896 |
| Net operating income to assets | 1.0719% | 1,961 |
| Return on assets (ROA) | 1.3522% | 1,240 |
| Pretax return on assets | 1.9368% | 682 |
| Return on Equity (ROE) | 13.8907% | 981 |
| Retained earnings to average equity (ytd only) | 9.8574% | 1,139 |
| Net charge-offs to loans | 0.4514% | 1,325 |
| Credit loss provision to net charge-offs | 19.1489% | 3,046 |
| Earnings coverage of net charge-offs (x) | 7.1294% | 2,111 |
| Efficiency ratio | 62.9844% | 5,158 |
| Assets per employee ($millions) | 5.4043% | 1,748 |
| Cash dividends to net income (ytd only)* | 29.0360% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 4,768 |
| Loan loss allowance to noncurrent loans | 77.5617% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.8365% | 2,561 |
| Noncurrent loans to loans | 1.6602% | 3,055 |
| Net loans and leases to total assets | 48.4030% | 5,186 |
| Net loans and leases to deposits | 68.2296% | 3,753 |
| Net loans and leases to core deposits | 75.8959% | 3,337 |
| Total domestic deposits to total assets | 70.9413% | 6,712 |
| Equity capital to assets | 9.8711% | 4,321 |
| Core capital (leverage) ratio | 8.6817% | 5,354 |
| Tier 1 risk-based capital ratio | 13.9291% | 4,559 |
| Total risk-based capital ratio | 14.9616% | 4,677 |
| Memoranda: | ||
| Average total assets | $1,018,779,000 | 653 |
| Average earning assets | $927,129,000 | 650 |
| Average equity | $99,174,500 | 733 |
| Average total loans | $499,745,000 | 850 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0560% | 5,118 |
| Cost of funding earning assets | 0.5904% | 4,436 |
| Net interest margin | 3.4656% | 4,645 |
| Noninterest income to average assets | 1.0247% | 1,467 |
| Noninterest expense to average assets | 2.9324% | 3,530 |
| Loan and lease loss provision to assets | 0.2213% | 2,919 |
| Net operating income to assets | 0.7233% | 3,630 |
| Return on assets (ROA) | 0.9710% | 2,691 |
| Pretax return on assets | 1.3663% | 2,155 |
| Return on Equity (ROE) | 9.9907% | 2,172 |
| Retained earnings to average equity (ytd only) | 5.8092% | 2,188 |
| Net charge-offs to loans | 0.3897% | 2,692 |
| Credit loss provision to net charge-offs | 110.3343% | 2,646 |
| Earnings coverage of net charge-offs (x) | 6.1768% | 2,859 |
| Efficiency ratio | 70.3015% | 3,754 |
| Assets per employee ($millions) | 5.5511% | 1,639 |
| Cash dividends to net income (ytd only)* | 41.8541% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,374 |
| Loan loss allowance to noncurrent loans | 63.8316% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.0841% | 2,351 |
| Noncurrent loans to loans | 2.1254% | 2,556 |
| Net loans and leases to total assets | 48.4062% | 5,367 |
| Net loans and leases to deposits | 68.9045% | 3,850 |
| Net loans and leases to core deposits | 76.2609% | 3,492 |
| Total domestic deposits to total assets | 70.2512% | 6,775 |
| Equity capital to assets | 9.6004% | 4,751 |
| Core capital (leverage) ratio | 8.4663% | 5,667 |
| Tier 1 risk-based capital ratio | 13.4117% | 4,817 |
| Total risk-based capital ratio | 14.5088% | 4,873 |
| Memoranda: | ||
| Average total assets | $984,288,400 | 667 |
| Average earning assets | $893,632,800 | 661 |
| Average equity | $95,658,800 | 737 |
| Average total loans | $506,572,400 | 818 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 5,080 |
| Cost of funding earning assets | 0.6112% | 4,527 |
| Net interest margin | 3.5192% | 4,568 |
| Noninterest income to average assets | 1.0097% | 1,477 |
| Noninterest expense to average assets | 2.9634% | 3,363 |
| Loan and lease loss provision to assets | 0.0960% | 4,374 |
| Net operating income to assets | 0.7977% | 3,467 |
| Return on assets (ROA) | 1.1233% | 2,209 |
| Pretax return on assets | 1.6185% | 1,513 |
| Return on Equity (ROE) | 11.5217% | 1,788 |
| Retained earnings to average equity (ytd only) | 8.7126% | 1,342 |
| Net charge-offs to loans | -0.1312% | 6,919 |
| Credit loss provision to net charge-offs | -140.4810% | 6,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4565% | 3,603 |
| Assets per employee ($millions) | 5.2321% | 1,905 |
| Cash dividends to net income (ytd only)* | 24.3813% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 3,614 |
| Loan loss allowance to noncurrent loans | 92.6325% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 2.0788% | 2,555 |
| Noncurrent loans to loans | 1.7031% | 3,226 |
| Net loans and leases to total assets | 50.2130% | 5,288 |
| Net loans and leases to deposits | 67.8206% | 4,214 |
| Net loans and leases to core deposits | 75.8045% | 3,751 |
| Total domestic deposits to total assets | 74.0379% | 6,599 |
| Equity capital to assets | 10.3243% | 4,047 |
| Core capital (leverage) ratio | 8.7860% | 5,369 |
| Tier 1 risk-based capital ratio | 13.8831% | 4,625 |
| Total risk-based capital ratio | 15.1337% | 4,582 |
| Memoranda: | ||
| Average total assets | $973,622,750 | 680 |
| Average earning assets | $884,318,500 | 675 |
| Average equity | $94,925,750 | 747 |
| Average total loans | $507,229,250 | 823 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 4,849 |
| Cost of funding earning assets | 0.6202% | 4,717 |
| Net interest margin | 3.6098% | 4,215 |
| Noninterest income to average assets | 0.9553% | 1,596 |
| Noninterest expense to average assets | 2.8510% | 3,827 |
| Loan and lease loss provision to assets | 0.5732% | 1,056 |
| Net operating income to assets | 0.5828% | 4,441 |
| Return on assets (ROA) | 0.7821% | 3,726 |
| Pretax return on assets | 1.0879% | 3,348 |
| Return on Equity (ROE) | 8.1825% | 3,172 |
| Retained earnings to average equity (ytd only) | 3.8850% | 4,034 |
| Net charge-offs to loans | 0.2815% | 2,912 |
| Credit loss provision to net charge-offs | 388.1780% | 764 |
| Earnings coverage of net charge-offs (x) | 9.3741% | 2,180 |
| Efficiency ratio | 67.3149% | 4,272 |
| Assets per employee ($millions) | 5.3947% | 1,714 |
| Cash dividends to net income (ytd only)* | 52.5210% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 3,123 |
| Loan loss allowance to noncurrent loans | 80.1787% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 2.0018% | 2,777 |
| Noncurrent loans to loans | 2.1527% | 2,760 |
| Net loans and leases to total assets | 49.6631% | 5,398 |
| Net loans and leases to deposits | 68.3150% | 4,149 |
| Net loans and leases to core deposits | 77.6953% | 3,564 |
| Total domestic deposits to total assets | 72.6972% | 6,765 |
| Equity capital to assets | 9.3981% | 5,196 |
| Core capital (leverage) ratio | 8.3533% | 5,844 |
| Tier 1 risk-based capital ratio | 12.6598% | 5,444 |
| Total risk-based capital ratio | 13.9114% | 5,424 |
| Memoranda: | ||
| Average total assets | $973,771,330 | 681 |
| Average earning assets | $884,811,670 | 676 |
| Average equity | $93,076,330 | 755 |
| Average total loans | $510,807,670 | 815 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 4,558 |
| Cost of funding earning assets | 0.6261% | 4,929 |
| Net interest margin | 3.7147% | 3,766 |
| Noninterest income to average assets | 0.8136% | 2,098 |
| Noninterest expense to average assets | 2.8534% | 3,815 |
| Loan and lease loss provision to assets | 0.2413% | 2,534 |
| Net operating income to assets | 0.7757% | 3,503 |
| Return on assets (ROA) | 0.9218% | 3,027 |
| Pretax return on assets | 1.3265% | 2,437 |
| Return on Equity (ROE) | 9.5603% | 2,575 |
| Retained earnings to average equity (ytd only) | 5.2461% | 3,404 |
| Net charge-offs to loans | 0.0802% | 3,693 |
| Credit loss provision to net charge-offs | 563.1068% | 599 |
| Earnings coverage of net charge-offs (x) | 31.6505% | 882 |
| Efficiency ratio | 67.7866% | 4,211 |
| Assets per employee ($millions) | 5.0006% | 2,251 |
| Cash dividends to net income (ytd only)* | 45.1264% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 4,681 |
| Loan loss allowance to noncurrent loans | 53.1867% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 2.1859% | 2,703 |
| Noncurrent loans to loans | 2.6007% | 2,504 |
| Net loans and leases to total assets | 54.4986% | 4,638 |
| Net loans and leases to deposits | 72.7190% | 3,315 |
| Net loans and leases to core deposits | 81.8461% | 2,854 |
| Total domestic deposits to total assets | 74.9441% | 6,651 |
| Equity capital to assets | 10.0646% | 4,048 |
| Core capital (leverage) ratio | 8.6875% | 5,317 |
| Tier 1 risk-based capital ratio | 13.3760% | 4,917 |
| Total risk-based capital ratio | 14.5763% | 4,947 |
| Memoranda: | ||
| Average total assets | $961,645,000 | 692 |
| Average earning assets | $879,097,000 | 684 |
| Average equity | $92,717,000 | 755 |
| Average total loans | $514,034,000 | 809 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 4,016 |
| Cost of funding earning assets | 0.7503% | 5,210 |
| Net interest margin | 4.0022% | 2,865 |
| Noninterest income to average assets | 0.8410% | 1,877 |
| Noninterest expense to average assets | 2.6772% | 4,829 |
| Loan and lease loss provision to assets | 1.0415% | 902 |
| Net operating income to assets | 0.5495% | 4,239 |
| Return on assets (ROA) | 0.7790% | 3,302 |
| Pretax return on assets | 1.1019% | 2,827 |
| Return on Equity (ROE) | 8.2035% | 2,807 |
| Retained earnings to average equity (ytd only) | 6.4871% | 1,742 |
| Net charge-offs to loans | 2.0773% | 649 |
| Credit loss provision to net charge-offs | 89.9493% | 4,004 |
| Earnings coverage of net charge-offs (x) | 1.5721% | 4,594 |
| Efficiency ratio | 59.5265% | 5,828 |
| Assets per employee ($millions) | 5.3686% | 1,760 |
| Cash dividends to net income (ytd only)* | 20.9234% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,960 |
| Loan loss allowance to noncurrent loans | 43.7438% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 2.2529% | 2,672 |
| Noncurrent loans to loans | 2.9493% | 2,206 |
| Net loans and leases to total assets | 51.0913% | 5,448 |
| Net loans and leases to deposits | 73.5094% | 3,576 |
| Net loans and leases to core deposits | 83.5239% | 2,954 |
| Total domestic deposits to total assets | 69.5032% | 7,011 |
| Equity capital to assets | 9.2452% | 5,219 |
| Core capital (leverage) ratio | 8.4478% | 5,643 |
| Tier 1 risk-based capital ratio | 12.3963% | 5,537 |
| Total risk-based capital ratio | 13.4503% | 5,659 |
| Memoranda: | ||
| Average total assets | $920,304,200 | 708 |
| Average earning assets | $840,780,000 | 701 |
| Average equity | $87,389,400 | 770 |
| Average total loans | $512,968,400 | 811 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 3,430 |
| Cost of funding earning assets | 0.7807% | 5,273 |
| Net interest margin | 4.1482% | 2,284 |
| Noninterest income to average assets | 0.7907% | 2,100 |
| Noninterest expense to average assets | 2.6261% | 4,988 |
| Loan and lease loss provision to assets | 1.1237% | 720 |
| Net operating income to assets | 0.5886% | 4,138 |
| Return on assets (ROA) | 0.7349% | 3,630 |
| Pretax return on assets | 1.0361% | 3,259 |
| Return on Equity (ROE) | 7.6832% | 3,185 |
| Retained earnings to average equity (ytd only) | 5.3653% | 2,938 |
| Net charge-offs to loans | 1.3099% | 1,177 |
| Credit loss provision to net charge-offs | 150.9430% | 2,069 |
| Earnings coverage of net charge-offs (x) | 2.6244% | 3,804 |
| Efficiency ratio | 57.3402% | 6,099 |
| Assets per employee ($millions) | 5.2385% | 1,878 |
| Cash dividends to net income (ytd only)* | 30.1689% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 2,326 |
| Loan loss allowance to noncurrent loans | 66.6775% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 2.1827% | 2,920 |
| Noncurrent loans to loans | 3.0065% | 2,299 |
| Net loans and leases to total assets | 54.4581% | 5,097 |
| Net loans and leases to deposits | 73.6835% | 3,695 |
| Net loans and leases to core deposits | 83.6907% | 3,102 |
| Total domestic deposits to total assets | 73.9081% | 6,770 |
| Equity capital to assets | 9.8592% | 4,534 |
| Core capital (leverage) ratio | 8.4645% | 5,757 |
| Tier 1 risk-based capital ratio | 12.5804% | 5,424 |
| Total risk-based capital ratio | 13.8360% | 5,398 |
| Memoranda: | ||
| Average total assets | $902,084,750 | 733 |
| Average earning assets | $824,006,750 | 729 |
| Average equity | $86,281,250 | 784 |
| Average total loans | $512,695,000 | 825 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0057% | 3,130 |
| Cost of funding earning assets | 0.8055% | 5,330 |
| Net interest margin | 4.2003% | 2,032 |
| Noninterest income to average assets | 0.7728% | 2,146 |
| Noninterest expense to average assets | 2.6735% | 4,925 |
| Loan and lease loss provision to assets | 0.9705% | 909 |
| Net operating income to assets | 0.6698% | 3,689 |
| Return on assets (ROA) | 0.7735% | 3,318 |
| Pretax return on assets | 1.1123% | 2,803 |
| Return on Equity (ROE) | 8.1730% | 2,867 |
| Retained earnings to average equity (ytd only) | 4.6329% | 3,236 |
| Net charge-offs to loans | 1.4216% | 1,060 |
| Credit loss provision to net charge-offs | 119.2044% | 2,571 |
| Earnings coverage of net charge-offs (x) | 2.3764% | 3,634 |
| Efficiency ratio | 58.0167% | 6,158 |
| Assets per employee ($millions) | 5.0373% | 2,071 |
| Cash dividends to net income (ytd only)* | 43.3150% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 3,502 |
| Loan loss allowance to noncurrent loans | 52.3546% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.9195% | 3,350 |
| Noncurrent loans to loans | 3.1490% | 2,285 |
| Net loans and leases to total assets | 56.2362% | 4,955 |
| Net loans and leases to deposits | 74.3821% | 3,734 |
| Net loans and leases to core deposits | 85.7511% | 2,941 |
| Total domestic deposits to total assets | 75.6044% | 6,656 |
| Equity capital to assets | 9.8218% | 4,365 |
| Core capital (leverage) ratio | 8.4648% | 5,604 |
| Tier 1 risk-based capital ratio | 12.4856% | 5,361 |
| Total risk-based capital ratio | 13.7375% | 5,336 |
| Memoranda: | ||
| Average total assets | $895,455,330 | 744 |
| Average earning assets | $817,665,000 | 741 |
| Average equity | $84,742,000 | 796 |
| Average total loans | $512,806,670 | 838 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 3,231 |
| Cost of funding earning assets | 0.8181% | 5,477 |
| Net interest margin | 4.1554% | 2,060 |
| Noninterest income to average assets | 0.7836% | 2,097 |
| Noninterest expense to average assets | 2.6967% | 4,848 |
| Loan and lease loss provision to assets | 1.2828% | 538 |
| Net operating income to assets | 0.4504% | 4,719 |
| Return on assets (ROA) | 0.4270% | 4,906 |
| Pretax return on assets | 0.5674% | 4,809 |
| Return on Equity (ROE) | 4.5987% | 4,599 |
| Retained earnings to average equity (ytd only) | -2.6018% | 6,237 |
| Net charge-offs to loans | 2.5712% | 435 |
| Credit loss provision to net charge-offs | 87.0538% | 2,994 |
| Earnings coverage of net charge-offs (x) | 1.2768% | 3,711 |
| Efficiency ratio | 58.9037% | 6,141 |
| Assets per employee ($millions) | 4.9773% | 2,200 |
| Cash dividends to net income (ytd only)* | 156.5762% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 4,591 |
| Loan loss allowance to noncurrent loans | 45.5410% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 2.2221% | 3,040 |
| Noncurrent loans to loans | 3.1047% | 2,415 |
| Net loans and leases to total assets | 57.5944% | 4,705 |
| Net loans and leases to deposits | 76.9512% | 3,263 |
| Net loans and leases to core deposits | 86.9143% | 2,746 |
| Total domestic deposits to total assets | 74.8454% | 6,814 |
| Equity capital to assets | 9.4150% | 4,549 |
| Core capital (leverage) ratio | 8.1605% | 6,032 |
| Tier 1 risk-based capital ratio | 11.7519% | 5,894 |
| Total risk-based capital ratio | 12.9425% | 5,940 |
| Memoranda: | ||
| Average total assets | $897,378,500 | 748 |
| Average earning assets | $819,469,000 | 743 |
| Average equity | $83,327,000 | 800 |
| Average total loans | $514,304,000 | 849 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9909% | 4,607 |
| Cost of funding earning assets | 0.9376% | 5,994 |
| Net interest margin | 4.0533% | 2,791 |
| Noninterest income to average assets | 0.9704% | 1,606 |
| Noninterest expense to average assets | 2.6323% | 5,286 |
| Loan and lease loss provision to assets | 0.6153% | 2,673 |
| Net operating income to assets | 0.9456% | 2,215 |
| Return on assets (ROA) | 1.1632% | 1,585 |
| Pretax return on assets | 1.7365% | 880 |
| Return on Equity (ROE) | 12.8248% | 1,136 |
| Retained earnings to average equity (ytd only) | 11.8855% | 282 |
| Net charge-offs to loans | 1.0324% | 2,136 |
| Credit loss provision to net charge-offs | 102.4008% | 4,417 |
| Earnings coverage of net charge-offs (x) | 3.3733% | 3,395 |
| Efficiency ratio | 56.4947% | 6,529 |
| Assets per employee ($millions) | 5.1919% | 1,873 |
| Cash dividends to net income (ytd only)* | 7.3242% | 3,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 4,017 |
| Loan loss allowance to noncurrent loans | 37.1290% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 2.5492% | 2,723 |
| Noncurrent loans to loans | 4.0379% | 1,795 |
| Net loans and leases to total assets | 55.3998% | 5,431 |
| Net loans and leases to deposits | 78.3275% | 3,461 |
| Net loans and leases to core deposits | 89.2770% | 2,861 |
| Total domestic deposits to total assets | 70.7284% | 7,194 |
| Equity capital to assets | 9.1609% | 4,900 |
| Core capital (leverage) ratio | 8.0106% | 6,185 |
| Tier 1 risk-based capital ratio | 11.6268% | 5,793 |
| Total risk-based capital ratio | 12.8660% | 5,812 |
| Memoranda: | ||
| Average total assets | $880,331,600 | 769 |
| Average earning assets | $801,191,800 | 760 |
| Average equity | $79,845,400 | 828 |
| Average total loans | $512,415,200 | 881 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0382% | 4,633 |
| Cost of funding earning assets | 0.9694% | 6,082 |
| Net interest margin | 4.0689% | 2,768 |
| Noninterest income to average assets | 0.8688% | 1,916 |
| Noninterest expense to average assets | 2.5944% | 5,347 |
| Loan and lease loss provision to assets | 0.6109% | 2,495 |
| Net operating income to assets | 0.8944% | 2,637 |
| Return on assets (ROA) | 1.0921% | 2,021 |
| Pretax return on assets | 1.6581% | 1,194 |
| Return on Equity (ROE) | 12.0722% | 1,484 |
| Retained earnings to average equity (ytd only) | 10.8044% | 632 |
| Net charge-offs to loans | 0.8528% | 2,314 |
| Credit loss provision to net charge-offs | 121.9847% | 3,369 |
| Earnings coverage of net charge-offs (x) | 3.9328% | 3,248 |
| Efficiency ratio | 56.8466% | 6,434 |
| Assets per employee ($millions) | 5.0951% | 2,064 |
| Cash dividends to net income (ytd only)* | 10.5013% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 3,487 |
| Loan loss allowance to noncurrent loans | 56.6378% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.6895% | 3,909 |
| Noncurrent loans to loans | 2.8429% | 2,810 |
| Net loans and leases to total assets | 56.8668% | 5,433 |
| Net loans and leases to deposits | 77.3264% | 3,949 |
| Net loans and leases to core deposits | 87.5480% | 3,437 |
| Total domestic deposits to total assets | 73.5412% | 6,983 |
| Equity capital to assets | 9.3868% | 5,004 |
| Core capital (leverage) ratio | 8.0675% | 6,248 |
| Tier 1 risk-based capital ratio | 11.1946% | 6,194 |
| Total risk-based capital ratio | 12.4457% | 6,190 |
| Memoranda: | ||
| Average total assets | $871,970,500 | 774 |
| Average earning assets | $791,843,000 | 769 |
| Average equity | $78,879,250 | 836 |
| Average total loans | $512,035,250 | 884 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 4,956 |
| Cost of funding earning assets | 1.0067% | 6,103 |
| Net interest margin | 3.9902% | 3,065 |
| Noninterest income to average assets | 0.8424% | 1,911 |
| Noninterest expense to average assets | 2.5646% | 5,477 |
| Loan and lease loss provision to assets | 0.6309% | 2,269 |
| Net operating income to assets | 0.8366% | 2,795 |
| Return on assets (ROA) | 0.9635% | 2,405 |
| Pretax return on assets | 1.4518% | 1,691 |
| Return on Equity (ROE) | 10.7903% | 1,823 |
| Retained earnings to average equity (ytd only) | 8.8491% | 1,154 |
| Net charge-offs to loans | 0.7512% | 2,361 |
| Credit loss provision to net charge-offs | 142.2616% | 2,797 |
| Earnings coverage of net charge-offs (x) | 4.2626% | 3,007 |
| Efficiency ratio | 57.5660% | 6,443 |
| Assets per employee ($millions) | 5.0781% | 2,082 |
| Cash dividends to net income (ytd only)* | 17.9899% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 3,358 |
| Loan loss allowance to noncurrent loans | 52.7577% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 2.3828% | 3,023 |
| Noncurrent loans to loans | 3.0750% | 2,618 |
| Net loans and leases to total assets | 57.9057% | 5,431 |
| Net loans and leases to deposits | 81.4651% | 3,345 |
| Net loans and leases to core deposits | 90.0578% | 3,248 |
| Total domestic deposits to total assets | 71.0804% | 7,259 |
| Equity capital to assets | 9.0968% | 5,300 |
| Core capital (leverage) ratio | 7.6351% | 6,693 |
| Tier 1 risk-based capital ratio | 10.9690% | 6,268 |
| Total risk-based capital ratio | 12.2208% | 6,256 |
| Memoranda: | ||
| Average total assets | $865,413,330 | 781 |
| Average earning assets | $783,516,000 | 782 |
| Average equity | $77,273,330 | 849 |
| Average total loans | $510,931,670 | 893 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0362% | 4,853 |
| Cost of funding earning assets | 1.0262% | 6,244 |
| Net interest margin | 4.0101% | 2,834 |
| Noninterest income to average assets | 0.7419% | 2,347 |
| Noninterest expense to average assets | 2.5164% | 5,674 |
| Loan and lease loss provision to assets | 0.4858% | 2,557 |
| Net operating income to assets | 0.8974% | 2,551 |
| Return on assets (ROA) | 1.0903% | 1,943 |
| Pretax return on assets | 1.6692% | 1,120 |
| Return on Equity (ROE) | 12.3289% | 1,412 |
| Retained earnings to average equity (ytd only) | 8.3738% | 1,567 |
| Net charge-offs to loans | 0.4899% | 2,596 |
| Credit loss provision to net charge-offs | 167.6849% | 2,167 |
| Earnings coverage of net charge-offs (x) | 6.4148% | 2,227 |
| Efficiency ratio | 57.5216% | 6,561 |
| Assets per employee ($millions) | 4.9100% | 2,359 |
| Cash dividends to net income (ytd only)* | 32.0803% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 3,611 |
| Loan loss allowance to noncurrent loans | 57.1561% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.9975% | 3,508 |
| Noncurrent loans to loans | 2.7325% | 2,918 |
| Net loans and leases to total assets | 59.3548% | 5,229 |
| Net loans and leases to deposits | 82.9197% | 3,117 |
| Net loans and leases to core deposits | 89.6793% | 3,409 |
| Total domestic deposits to total assets | 71.5811% | 7,304 |
| Equity capital to assets | 8.9983% | 5,282 |
| Core capital (leverage) ratio | 7.7614% | 6,551 |
| Tier 1 risk-based capital ratio | 10.9184% | 6,233 |
| Total risk-based capital ratio | 12.1720% | 6,212 |
| Memoranda: | ||
| Average total assets | $858,861,000 | 801 |
| Average earning assets | $778,041,000 | 806 |
| Average equity | $75,951,500 | 871 |
| Average total loans | $507,847,000 | 920 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5543% | 3,847 |
| Cost of funding earning assets | 1.2150% | 6,611 |
| Net interest margin | 4.3393% | 1,603 |
| Noninterest income to average assets | 0.8798% | 2,027 |
| Noninterest expense to average assets | 2.7321% | 5,238 |
| Loan and lease loss provision to assets | 0.7139% | 2,977 |
| Net operating income to assets | 0.8877% | 2,221 |
| Return on assets (ROA) | 1.0413% | 1,743 |
| Pretax return on assets | 1.6011% | 965 |
| Return on Equity (ROE) | 11.5505% | 1,276 |
| Retained earnings to average equity (ytd only) | 11.5505% | 244 |
| Net charge-offs to loans | 0.9892% | 2,429 |
| Credit loss provision to net charge-offs | 114.7677% | 4,767 |
| Earnings coverage of net charge-offs (x) | 3.3418% | 3,390 |
| Efficiency ratio | 56.3644% | 6,967 |
| Assets per employee ($millions) | 5.0482% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,699 |
| Loan loss allowance to noncurrent loans | 53.8631% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.9546% | 3,452 |
| Noncurrent loans to loans | 2.7941% | 2,762 |
| Net loans and leases to total assets | 57.1166% | 5,797 |
| Net loans and leases to deposits | 84.1337% | 3,229 |
| Net loans and leases to core deposits | 103.9750% | 3,580 |
| Total domestic deposits to total assets | 67.8880% | 7,555 |
| Equity capital to assets | 8.6916% | 5,596 |
| Core capital (leverage) ratio | 7.7909% | 6,462 |
| Tier 1 risk-based capital ratio | 10.5260% | 6,370 |
| Total risk-based capital ratio | 11.7787% | 6,346 |
| Memoranda: | ||
| Average total assets | $795,764,600 | 864 |
| Average earning assets | $720,905,200 | 865 |
| Average equity | $71,737,000 | 914 |
| Average total loans | $500,412,000 | 953 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7131% | 3,280 |
| Cost of funding earning assets | 1.2688% | 6,659 |
| Net interest margin | 4.4443% | 1,332 |
| Noninterest income to average assets | 0.8852% | 2,042 |
| Noninterest expense to average assets | 2.8045% | 4,877 |
| Loan and lease loss provision to assets | 0.6671% | 2,739 |
| Net operating income to assets | 0.9299% | 2,306 |
| Return on assets (ROA) | 1.1393% | 1,681 |
| Pretax return on assets | 1.7615% | 868 |
| Return on Equity (ROE) | 12.5131% | 1,232 |
| Retained earnings to average equity (ytd only) | 12.5131% | 300 |
| Net charge-offs to loans | 0.8264% | 2,313 |
| Credit loss provision to net charge-offs | 125.6377% | 4,005 |
| Earnings coverage of net charge-offs (x) | 3.9671% | 3,315 |
| Efficiency ratio | 56.6805% | 6,909 |
| Assets per employee ($millions) | 4.4865% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 3,530 |
| Loan loss allowance to noncurrent loans | 40.8763% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 2.4254% | 2,841 |
| Noncurrent loans to loans | 3.6279% | 2,061 |
| Net loans and leases to total assets | 64.6527% | 4,723 |
| Net loans and leases to deposits | 90.0970% | 2,560 |
| Net loans and leases to core deposits | 112.4746% | 2,973 |
| Total domestic deposits to total assets | 71.7590% | 7,235 |
| Equity capital to assets | 9.5045% | 4,743 |
| Core capital (leverage) ratio | 7.9586% | 6,434 |
| Tier 1 risk-based capital ratio | 10.5169% | 6,449 |
| Total risk-based capital ratio | 11.7693% | 6,404 |
| Memoranda: | ||
| Average total assets | $777,632,000 | 889 |
| Average earning assets | $704,400,750 | 898 |
| Average equity | $70,804,000 | 940 |
| Average total loans | $499,635,250 | 977 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 3,524 |
| Cost of funding earning assets | 1.3172% | 6,745 |
| Net interest margin | 4.3860% | 1,436 |
| Noninterest income to average assets | 0.9036% | 1,973 |
| Noninterest expense to average assets | 2.8207% | 4,872 |
| Loan and lease loss provision to assets | 0.4804% | 3,124 |
| Net operating income to assets | 1.0054% | 2,087 |
| Return on assets (ROA) | 1.2101% | 1,529 |
| Pretax return on assets | 1.8841% | 721 |
| Return on Equity (ROE) | 13.4904% | 1,074 |
| Retained earnings to average equity (ytd only) | 13.4904% | 284 |
| Net charge-offs to loans | 0.6589% | 2,388 |
| Credit loss provision to net charge-offs | 114.3033% | 4,049 |
| Earnings coverage of net charge-offs (x) | 4.8643% | 2,980 |
| Efficiency ratio | 57.5467% | 6,936 |
| Assets per employee ($millions) | 4.4690% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 3,698 |
| Loan loss allowance to noncurrent loans | 68.8582% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.1217% | 3,029 |
| Noncurrent loans to loans | 2.0397% | 3,462 |
| Net loans and leases to total assets | 62.8305% | 5,212 |
| Net loans and leases to deposits | 89.9307% | 2,843 |
| Net loans and leases to core deposits | 111.4469% | 3,206 |
| Total domestic deposits to total assets | 69.8655% | 7,488 |
| Equity capital to assets | 9.0292% | 5,273 |
| Core capital (leverage) ratio | 7.7427% | 6,683 |
| Tier 1 risk-based capital ratio | 10.2530% | 6,648 |
| Total risk-based capital ratio | 11.4867% | 6,597 |
| Memoranda: | ||
| Average total assets | $775,127,330 | 908 |
| Average earning assets | $700,144,330 | 915 |
| Average equity | $69,530,670 | 961 |
| Average total loans | $494,427,330 | 1,008 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8900% | 2,848 |
| Cost of funding earning assets | 1.3680% | 6,825 |
| Net interest margin | 4.5220% | 1,080 |
| Noninterest income to average assets | 0.8358% | 2,146 |
| Noninterest expense to average assets | 2.7592% | 4,739 |
| Loan and lease loss provision to assets | 0.0589% | 6,222 |
| Net operating income to assets | 1.3260% | 1,322 |
| Return on assets (ROA) | 1.6987% | 713 |
| Pretax return on assets | 2.6898% | 183 |
| Return on Equity (ROE) | 19.0014% | 506 |
| Retained earnings to average equity (ytd only) | 19.0014% | 197 |
| Net charge-offs to loans | 0.2892% | 2,960 |
| Credit loss provision to net charge-offs | 31.9209% | 4,925 |
| Earnings coverage of net charge-offs (x) | 11.7373% | 1,857 |
| Efficiency ratio | 55.5838% | 7,020 |
| Assets per employee ($millions) | 4.3537% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 3,687 |
| Loan loss allowance to noncurrent loans | 65.4578% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 2.1226% | 2,716 |
| Noncurrent loans to loans | 2.0918% | 3,128 |
| Net loans and leases to total assets | 62.4538% | 5,245 |
| Net loans and leases to deposits | 88.8167% | 3,139 |
| Net loans and leases to core deposits | 115.6701% | 2,835 |
| Total domestic deposits to total assets | 70.3177% | 7,398 |
| Equity capital to assets | 9.1946% | 5,093 |
| Core capital (leverage) ratio | 7.7052% | 6,878 |
| Tier 1 risk-based capital ratio | 10.3299% | 6,566 |
| Total risk-based capital ratio | 11.5193% | 6,544 |
| Memoranda: | ||
| Average total assets | $767,181,000 | 913 |
| Average earning assets | $693,859,500 | 922 |
| Average equity | $68,584,500 | 978 |
| Average total loans | $489,600,000 | 1,032 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3337% | 3,767 |
| Cost of funding earning assets | 1.9059% | 6,713 |
| Net interest margin | 4.4278% | 1,601 |
| Noninterest income to average assets | 0.9402% | 1,815 |
| Noninterest expense to average assets | 2.7151% | 5,199 |
| Loan and lease loss provision to assets | 0.5990% | 2,431 |
| Net operating income to assets | 1.0274% | 2,441 |
| Return on assets (ROA) | 1.0481% | 2,255 |
| Pretax return on assets | 1.6421% | 1,284 |
| Return on Equity (ROE) | 11.7317% | 1,674 |
| Retained earnings to average equity (ytd only) | 7.4047% | 1,015 |
| Net charge-offs to loans | 0.7521% | 1,650 |
| Credit loss provision to net charge-offs | 121.9868% | 4,405 |
| Earnings coverage of net charge-offs (x) | 4.4981% | 3,960 |
| Efficiency ratio | 54.6765% | 7,189 |
| Assets per employee ($millions) | 4.4394% | 2,711 |
| Cash dividends to net income (ytd only)* | 36.8830% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 3,318 |
| Loan loss allowance to noncurrent loans | 59.9247% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 1.8600% | 2,655 |
| Noncurrent loans to loans | 2.3001% | 2,407 |
| Net loans and leases to total assets | 63.4221% | 5,384 |
| Net loans and leases to deposits | 96.5226% | 2,367 |
| Net loans and leases to core deposits | 117.7488% | 2,915 |
| Total domestic deposits to total assets | 65.7070% | 7,674 |
| Equity capital to assets | 8.6885% | 5,822 |
| Core capital (leverage) ratio | 7.5121% | 7,196 |
| Tier 1 risk-based capital ratio | 9.0326% | 7,759 |
| Total risk-based capital ratio | 10.1744% | 7,852 |
| Memoranda: | ||
| Average total assets | $711,359,800 | 937 |
| Average earning assets | $640,003,600 | 947 |
| Average equity | $63,554,200 | 1,052 |
| Average total loans | $464,425,600 | 1,046 |