Home > Signature Bank > Performance and Condition Ratios
Signature Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 3,222 |
| Cost of funding earning assets | 1.4256% | 2,159 |
| Net interest margin | 3.0072% | 3,266 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.8470% | 3,924 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 0.7031% | 3,192 |
| Return on assets (ROA) | 0.6786% | 3,224 |
| Pretax return on assets | 0.8556% | 3,081 |
| Return on Equity (ROE) | 6.3900% | 3,452 |
| Retained earnings to average equity (ytd only) | 0.9427% | 3,851 |
| Net charge-offs to loans | -0.0083% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.0516% | 3,070 |
| Assets per employee ($millions) | 9.6290% | 794 |
| Cash dividends to net income (ytd only)* | 85.2411% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 905 |
| Loan loss allowance to noncurrent loans | 100.3658% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 363 |
| Noncurrent loans to loans | 1.5602% | 429 |
| Net loans and leases to total assets | 75.5600% | 1,172 |
| Net loans and leases to deposits | 84.8959% | 1,700 |
| Net loans and leases to core deposits | 91.7584% | 1,921 |
| Total domestic deposits to total assets | 89.0000% | 1,062 |
| Equity capital to assets | 10.6943% | 1,635 |
| Core capital (leverage) ratio | 11.2807% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9603% | 1,546 |
| Memoranda: | ||
| Average total assets | $1,210,086,000 | 846 |
| Average earning assets | $1,174,326,600 | 808 |
| Average equity | $128,570,200 | 773 |
| Average total loans | $911,328,400 | 786 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 3,233 |
| Cost of funding earning assets | 1.3287% | 2,068 |
| Net interest margin | 3.0038% | 3,333 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.8441% | 3,890 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.8545% | 2,846 |
| Return on assets (ROA) | 0.8217% | 2,947 |
| Pretax return on assets | 1.0383% | 2,747 |
| Return on Equity (ROE) | 7.7500% | 3,248 |
| Retained earnings to average equity (ytd only) | 1.4850% | 3,847 |
| Net charge-offs to loans | -0.0084% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.1104% | 2,951 |
| Assets per employee ($millions) | 9.7251% | 741 |
| Cash dividends to net income (ytd only)* | 80.8299% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 1,908 |
| Loan loss allowance to noncurrent loans | 2,656.8889% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,431 |
| Noncurrent loans to loans | 0.0486% | 3,408 |
| Net loans and leases to total assets | 75.2100% | 1,206 |
| Net loans and leases to deposits | 84.4068% | 1,707 |
| Net loans and leases to core deposits | 89.1392% | 1,987 |
| Total domestic deposits to total assets | 89.1000% | 1,211 |
| Equity capital to assets | 10.5850% | 1,518 |
| Core capital (leverage) ratio | 11.4260% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9740% | 1,574 |
| Memoranda: | ||
| Average total assets | $1,204,478,750 | 857 |
| Average earning assets | $1,168,329,000 | 817 |
| Average equity | $127,760,500 | 774 |
| Average total loans | $902,638,750 | 794 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 3,319 |
| Cost of funding earning assets | 1.2191% | 1,930 |
| Net interest margin | 2.9681% | 3,516 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.8600% | 3,894 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.8890% | 2,799 |
| Return on assets (ROA) | 0.8396% | 2,965 |
| Pretax return on assets | 1.0607% | 2,746 |
| Return on Equity (ROE) | 7.9100% | 3,256 |
| Retained earnings to average equity (ytd only) | 1.6335% | 3,795 |
| Net charge-offs to loans | -0.0083% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.3234% | 2,806 |
| Assets per employee ($millions) | 9.2806% | 827 |
| Cash dividends to net income (ytd only)* | 79.3493% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 2,381 |
| Loan loss allowance to noncurrent loans | 1,807.6033% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 3,272 |
| Noncurrent loans to loans | 0.0671% | 3,219 |
| Net loans and leases to total assets | 74.4500% | 1,231 |
| Net loans and leases to deposits | 83.6001% | 1,706 |
| Net loans and leases to core deposits | 88.7009% | 1,882 |
| Total domestic deposits to total assets | 89.0600% | 1,240 |
| Equity capital to assets | 10.6942% | 1,511 |
| Core capital (leverage) ratio | 11.6469% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1410% | 1,528 |
| Memoranda: | ||
| Average total assets | $1,200,759,667 | 849 |
| Average earning assets | $1,164,666,000 | 814 |
| Average equity | $127,455,667 | 767 |
| Average total loans | $894,770,667 | 789 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,309 |
| Cost of funding earning assets | 1.0953% | 1,763 |
| Net interest margin | 2.9772% | 3,646 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.8860% | 3,883 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8728% | 2,946 |
| Return on assets (ROA) | 0.8479% | 2,981 |
| Pretax return on assets | 1.0724% | 2,790 |
| Return on Equity (ROE) | 8.0200% | 3,282 |
| Retained earnings to average equity (ytd only) | 3.2996% | 3,435 |
| Net charge-offs to loans | -0.0081% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0418% | 2,690 |
| Assets per employee ($millions) | 9.5655% | 787 |
| Cash dividends to net income (ytd only)* | 58.8466% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,506 |
| Loan loss allowance to noncurrent loans | 1,771.0526% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,276 |
| Noncurrent loans to loans | 0.0683% | 3,245 |
| Net loans and leases to total assets | 73.6000% | 1,250 |
| Net loans and leases to deposits | 82.6566% | 1,601 |
| Net loans and leases to core deposits | 84.8824% | 1,935 |
| Total domestic deposits to total assets | 89.0400% | 1,531 |
| Equity capital to assets | 10.7597% | 1,428 |
| Core capital (leverage) ratio | 11.5736% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3484% | 1,533 |
| Memoranda: | ||
| Average total assets | $1,202,538,500 | 862 |
| Average earning assets | $1,164,981,000 | 828 |
| Average equity | $127,168,000 | 777 |
| Average total loans | $891,009,000 | 802 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3267% | 3,521 |
| Cost of funding earning assets | 0.3166% | 2,746 |
| Net interest margin | 3.0101% | 3,426 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.7033% | 4,173 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 1.1260% | 2,071 |
| Return on assets (ROA) | 1.1260% | 2,013 |
| Pretax return on assets | 1.4226% | 1,704 |
| Return on Equity (ROE) | 11.4000% | 2,344 |
| Retained earnings to average equity (ytd only) | 8.8209% | 1,534 |
| Net charge-offs to loans | -0.0251% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.3356% | 3,649 |
| Assets per employee ($millions) | 9.7531% | 731 |
| Cash dividends to net income (ytd only)* | 22.6356% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,638 |
| Loan loss allowance to noncurrent loans | 7,123.6111% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,769 |
| Noncurrent loans to loans | 0.0162% | 3,720 |
| Net loans and leases to total assets | 72.8500% | 1,328 |
| Net loans and leases to deposits | 81.4668% | 1,659 |
| Net loans and leases to core deposits | 83.1676% | 1,924 |
| Total domestic deposits to total assets | 89.4200% | 1,589 |
| Equity capital to assets | 10.3923% | 1,508 |
| Core capital (leverage) ratio | 11.0250% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1666% | 1,581 |
| Memoranda: | ||
| Average total assets | $1,255,496,400 | 818 |
| Average earning assets | $1,223,019,800 | 778 |
| Average equity | $123,989,000 | 791 |
| Average total loans | $847,795,000 | 786 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1042% | 3,671 |
| Cost of funding earning assets | 0.1839% | 3,469 |
| Net interest margin | 2.9203% | 3,433 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.6476% | 4,243 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 1.1163% | 2,019 |
| Return on assets (ROA) | 1.1163% | 1,986 |
| Pretax return on assets | 1.4104% | 1,682 |
| Return on Equity (ROE) | 11.4500% | 2,224 |
| Retained earnings to average equity (ytd only) | 8.8566% | 1,701 |
| Net charge-offs to loans | -0.0315% | 4,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.0141% | 3,723 |
| Assets per employee ($millions) | 10.2139% | 611 |
| Cash dividends to net income (ytd only)* | 22.6244% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,549 |
| Loan loss allowance to noncurrent loans | 7,015.7534% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,854 |
| Noncurrent loans to loans | 0.0171% | 3,800 |
| Net loans and leases to total assets | 69.0100% | 1,569 |
| Net loans and leases to deposits | 76.8691% | 1,808 |
| Net loans and leases to core deposits | 78.2215% | 2,021 |
| Total domestic deposits to total assets | 89.7800% | 1,751 |
| Equity capital to assets | 10.0316% | 1,606 |
| Core capital (leverage) ratio | 10.6800% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2509% | 1,633 |
| Memoranda: | ||
| Average total assets | $1,267,024,000 | 813 |
| Average earning assets | $1,236,452,250 | 775 |
| Average equity | $123,565,500 | 804 |
| Average total loans | $836,927,500 | 793 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8719% | 3,848 |
| Cost of funding earning assets | 0.1309% | 3,831 |
| Net interest margin | 2.7410% | 3,606 |
| Noninterest income to average assets | 0.1443% | 4,297 |
| Noninterest expense to average assets | 1.5926% | 4,314 |
| Loan and lease loss provision to assets | -0.0937% | 4,584 |
| Net operating income to assets | 1.0521% | 1,965 |
| Return on assets (ROA) | 1.0521% | 1,934 |
| Pretax return on assets | 1.3234% | 1,671 |
| Return on Equity (ROE) | 10.8880% | 2,018 |
| Retained earnings to average equity (ytd only) | 8.3025% | 1,511 |
| Net charge-offs to loans | -0.0436% | 4,181 |
| Credit loss provision to net charge-offs | 331.4917% | 765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4291% | 3,733 |
| Assets per employee ($millions) | 10.7059% | 535 |
| Cash dividends to net income (ytd only)* | 23.7459% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.4542% | 1,531 |
| Net loans and leases to deposits | 74.8350% | 1,775 |
| Net loans and leases to core deposits | 76.2190% | 1,995 |
| Total domestic deposits to total assets | 90.1372% | 1,657 |
| Equity capital to assets | 9.7146% | 1,871 |
| Core capital (leverage) ratio | 10.7233% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1609% | 1,667 |
| Memoranda: | ||
| Average total assets | $1,280,809,333 | 806 |
| Average earning assets | $1,251,350,333 | 766 |
| Average equity | $123,769,333 | 807 |
| Average total loans | $830,546,667 | 783 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7370% | 3,871 |
| Cost of funding earning assets | 0.1196% | 3,902 |
| Net interest margin | 2.6174% | 3,612 |
| Noninterest income to average assets | 0.1399% | 4,317 |
| Noninterest expense to average assets | 1.5729% | 4,337 |
| Loan and lease loss provision to assets | -0.1853% | 4,678 |
| Net operating income to assets | 1.0382% | 1,730 |
| Return on assets (ROA) | 1.0382% | 1,727 |
| Pretax return on assets | 1.3138% | 1,463 |
| Return on Equity (ROE) | 10.7714% | 1,698 |
| Retained earnings to average equity (ytd only) | 8.2075% | 1,517 |
| Net charge-offs to loans | -0.0787% | 4,396 |
| Credit loss provision to net charge-offs | 372.6708% | 603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2276% | 3,658 |
| Assets per employee ($millions) | 10.6820% | 561 |
| Cash dividends to net income (ytd only)* | 23.8024% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.7448% | 1,771 |
| Net loans and leases to deposits | 69.5457% | 2,004 |
| Net loans and leases to core deposits | 71.2305% | 2,174 |
| Total domestic deposits to total assets | 90.2210% | 1,432 |
| Equity capital to assets | 9.6044% | 2,208 |
| Core capital (leverage) ratio | 10.0650% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7759% | 1,567 |
| Memoranda: | ||
| Average total assets | $1,294,917,500 | 805 |
| Average earning assets | $1,267,222,500 | 761 |
| Average equity | $124,812,000 | 827 |
| Average total loans | $818,244,000 | 784 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0582% | 3,765 |
| Cost of funding earning assets | 0.1559% | 3,909 |
| Net interest margin | 2.9023% | 3,433 |
| Noninterest income to average assets | 0.1448% | 4,431 |
| Noninterest expense to average assets | 1.5170% | 4,527 |
| Loan and lease loss provision to assets | 0.0062% | 2,951 |
| Net operating income to assets | 1.1544% | 2,087 |
| Return on assets (ROA) | 1.1544% | 2,146 |
| Pretax return on assets | 1.4601% | 1,852 |
| Return on Equity (ROE) | 12.1561% | 1,756 |
| Retained earnings to average equity (ytd only) | 9.5334% | 1,038 |
| Net charge-offs to loans | -0.0402% | 4,226 |
| Credit loss provision to net charge-offs | -23.0548% | 3,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8492% | 4,216 |
| Assets per employee ($millions) | 11.2759% | 469 |
| Cash dividends to net income (ytd only)* | 21.5750% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 62.0299% | 1,941 |
| Net loans and leases to deposits | 68.7993% | 2,240 |
| Net loans and leases to core deposits | 70.5184% | 2,399 |
| Total domestic deposits to total assets | 90.1607% | 882 |
| Equity capital to assets | 9.6721% | 2,971 |
| Core capital (leverage) ratio | 9.8043% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7350% | 1,605 |
| Memoranda: | ||
| Average total assets | $1,284,811,800 | 776 |
| Average earning assets | $1,256,538,800 | 741 |
| Average equity | $122,012,600 | 850 |
| Average total loans | $863,137,800 | 752 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0937% | 3,827 |
| Cost of funding earning assets | 0.1646% | 3,977 |
| Net interest margin | 2.9292% | 3,482 |
| Noninterest income to average assets | 0.1424% | 4,487 |
| Noninterest expense to average assets | 1.4722% | 4,619 |
| Loan and lease loss provision to assets | 0.0084% | 2,816 |
| Net operating income to assets | 1.2051% | 2,151 |
| Return on assets (ROA) | 1.2051% | 2,209 |
| Pretax return on assets | 1.5250% | 1,920 |
| Return on Equity (ROE) | 12.7498% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.1028% | 1,283 |
| Net charge-offs to loans | -0.0499% | 4,355 |
| Credit loss provision to net charge-offs | -24.4648% | 3,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9838% | 4,296 |
| Assets per employee ($millions) | 11.1751% | 457 |
| Cash dividends to net income (ytd only)* | 20.7612% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 63.0531% | 1,884 |
| Net loans and leases to deposits | 69.9500% | 2,252 |
| Net loans and leases to core deposits | 72.1914% | 2,411 |
| Total domestic deposits to total assets | 90.1403% | 709 |
| Equity capital to assets | 9.6867% | 3,199 |
| Core capital (leverage) ratio | 9.8281% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9378% | 1,636 |
| Memoranda: | ||
| Average total assets | $1,279,015,000 | 790 |
| Average earning assets | $1,250,200,000 | 751 |
| Average equity | $120,888,000 | 872 |
| Average total loans | $873,423,250 | 756 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1181% | 3,823 |
| Cost of funding earning assets | 0.1743% | 4,000 |
| Net interest margin | 2.9437% | 3,462 |
| Noninterest income to average assets | 0.1409% | 4,497 |
| Noninterest expense to average assets | 1.4707% | 4,651 |
| Loan and lease loss provision to assets | 0.0126% | 2,698 |
| Net operating income to assets | 1.2120% | 2,145 |
| Return on assets (ROA) | 1.2120% | 2,221 |
| Pretax return on assets | 1.5331% | 1,918 |
| Return on Equity (ROE) | 12.9325% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.2508% | 1,328 |
| Net charge-offs to loans | -0.0302% | 4,157 |
| Credit loss provision to net charge-offs | -59.7015% | 3,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7580% | 4,340 |
| Assets per employee ($millions) | 10.9730% | 463 |
| Cash dividends to net income (ytd only)* | 20.7361% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 66.2041% | 1,677 |
| Net loans and leases to deposits | 73.3523% | 2,065 |
| Net loans and leases to core deposits | 75.9872% | 2,237 |
| Total domestic deposits to total assets | 90.2549% | 668 |
| Equity capital to assets | 9.6019% | 3,249 |
| Core capital (leverage) ratio | 9.5442% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6720% | 1,732 |
| Memoranda: | ||
| Average total assets | $1,273,251,333 | 788 |
| Average earning assets | $1,243,720,333 | 750 |
| Average equity | $119,327,667 | 873 |
| Average total loans | $888,569,000 | 748 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0916% | 3,901 |
| Cost of funding earning assets | 0.1874% | 4,025 |
| Net interest margin | 2.9042% | 3,507 |
| Noninterest income to average assets | 0.1410% | 4,502 |
| Noninterest expense to average assets | 1.4892% | 4,663 |
| Loan and lease loss provision to assets | 0.0251% | 2,456 |
| Net operating income to assets | 1.1996% | 2,149 |
| Return on assets (ROA) | 1.1996% | 2,225 |
| Pretax return on assets | 1.4641% | 2,095 |
| Return on Equity (ROE) | 12.9588% | 1,682 |
| Retained earnings to average equity (ytd only) | 10.2442% | 1,585 |
| Net charge-offs to loans | -0.0622% | 4,479 |
| Credit loss provision to net charge-offs | -56.7376% | 2,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 4,181 |
| Assets per employee ($millions) | 10.9813% | 451 |
| Cash dividends to net income (ytd only)* | 20.9479% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 3,257 |
| Loan loss allowance to noncurrent loans | 4,030.8880% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 4,232 |
| Noncurrent loans to loans | 0.0283% | 4,148 |
| Net loans and leases to total assets | 68.7761% | 1,430 |
| Net loans and leases to deposits | 75.8001% | 1,933 |
| Net loans and leases to core deposits | 78.3018% | 2,157 |
| Total domestic deposits to total assets | 90.7335% | 499 |
| Equity capital to assets | 9.0395% | 3,640 |
| Core capital (leverage) ratio | 9.4333% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6705% | 1,682 |
| Memoranda: | ||
| Average total assets | $1,273,443,500 | 781 |
| Average earning assets | $1,244,126,500 | 742 |
| Average equity | $117,881,500 | 877 |
| Average total loans | $906,292,000 | 731 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5872% | 3,838 |
| Cost of funding earning assets | 0.3918% | 3,631 |
| Net interest margin | 3.1954% | 3,372 |
| Noninterest income to average assets | 0.1537% | 4,526 |
| Noninterest expense to average assets | 1.6724% | 4,647 |
| Loan and lease loss provision to assets | 0.0888% | 3,252 |
| Net operating income to assets | 1.2066% | 1,532 |
| Return on assets (ROA) | 1.2066% | 1,640 |
| Pretax return on assets | 1.5124% | 1,294 |
| Return on Equity (ROE) | 12.3225% | 1,227 |
| Retained earnings to average equity (ytd only) | 9.8091% | 625 |
| Net charge-offs to loans | -0.0309% | 4,547 |
| Credit loss provision to net charge-offs | -372.6937% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0874% | 4,462 |
| Assets per employee ($millions) | 10.5960% | 447 |
| Cash dividends to net income (ytd only)* | 20.3963% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,247 |
| Loan loss allowance to noncurrent loans | 1,749.8288% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 4,101 |
| Noncurrent loans to loans | 0.0652% | 4,033 |
| Net loans and leases to total assets | 72.0528% | 1,281 |
| Net loans and leases to deposits | 79.7809% | 1,890 |
| Net loans and leases to core deposits | 83.3873% | 2,088 |
| Total domestic deposits to total assets | 90.3134% | 446 |
| Equity capital to assets | 9.4900% | 3,619 |
| Core capital (leverage) ratio | 9.3675% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1133% | 1,817 |
| Memoranda: | ||
| Average total assets | $1,137,721,000 | 787 |
| Average earning assets | $1,110,812,800 | 742 |
| Average equity | $111,406,200 | 879 |
| Average total loans | $876,772,200 | 732 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7167% | 3,764 |
| Cost of funding earning assets | 0.4411% | 3,582 |
| Net interest margin | 3.2756% | 3,260 |
| Noninterest income to average assets | 0.1521% | 4,536 |
| Noninterest expense to average assets | 1.6818% | 4,650 |
| Loan and lease loss provision to assets | 0.0909% | 3,175 |
| Net operating income to assets | 1.2479% | 1,492 |
| Return on assets (ROA) | 1.2479% | 1,602 |
| Pretax return on assets | 1.5791% | 1,244 |
| Return on Equity (ROE) | 12.6371% | 1,210 |
| Retained earnings to average equity (ytd only) | 10.0939% | 742 |
| Net charge-offs to loans | -0.0454% | 4,647 |
| Credit loss provision to net charge-offs | -255.8923% | 3,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1766% | 4,479 |
| Assets per employee ($millions) | 10.3544% | 448 |
| Cash dividends to net income (ytd only)* | 20.1246% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,448 |
| Loan loss allowance to noncurrent loans | 1,438.1295% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 4,152 |
| Noncurrent loans to loans | 0.0732% | 4,081 |
| Net loans and leases to total assets | 76.8975% | 975 |
| Net loans and leases to deposits | 85.0649% | 1,802 |
| Net loans and leases to core deposits | 88.9631% | 2,066 |
| Total domestic deposits to total assets | 90.3986% | 308 |
| Equity capital to assets | 9.3384% | 3,830 |
| Core capital (leverage) ratio | 9.0972% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3453% | 1,711 |
| Memoranda: | ||
| Average total assets | $1,114,867,750 | 789 |
| Average earning assets | $1,089,039,250 | 747 |
| Average equity | $110,096,500 | 883 |
| Average total loans | $872,004,000 | 730 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 3,792 |
| Cost of funding earning assets | 0.4941% | 3,572 |
| Net interest margin | 3.3327% | 3,298 |
| Noninterest income to average assets | 0.1625% | 4,477 |
| Noninterest expense to average assets | 1.6968% | 4,685 |
| Loan and lease loss provision to assets | 0.0852% | 3,214 |
| Net operating income to assets | 1.2913% | 1,380 |
| Return on assets (ROA) | 1.2913% | 1,492 |
| Pretax return on assets | 1.6354% | 1,140 |
| Return on Equity (ROE) | 12.8132% | 1,145 |
| Retained earnings to average equity (ytd only) | 11.5260% | 526 |
| Net charge-offs to loans | -0.0558% | 4,710 |
| Credit loss provision to net charge-offs | -194.9153% | 3,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6502% | 4,517 |
| Assets per employee ($millions) | 10.9467% | 389 |
| Cash dividends to net income (ytd only)* | 10.0459% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,523 |
| Loan loss allowance to noncurrent loans | 470.4102% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 3,719 |
| Noncurrent loans to loans | 0.2149% | 3,610 |
| Net loans and leases to total assets | 74.3019% | 1,375 |
| Net loans and leases to deposits | 81.7365% | 2,230 |
| Net loans and leases to core deposits | 85.6531% | 2,467 |
| Total domestic deposits to total assets | 90.9042% | 168 |
| Equity capital to assets | 8.8238% | 4,238 |
| Core capital (leverage) ratio | 9.5545% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1179% | 1,761 |
| Memoranda: | ||
| Average total assets | $1,079,218,000 | 799 |
| Average earning assets | $1,054,038,667 | 757 |
| Average equity | $108,762,667 | 887 |
| Average total loans | $846,158,000 | 740 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 3,569 |
| Cost of funding earning assets | 0.6256% | 3,305 |
| Net interest margin | 3.4584% | 3,129 |
| Noninterest income to average assets | 0.1907% | 4,414 |
| Noninterest expense to average assets | 1.8876% | 4,559 |
| Loan and lease loss provision to assets | 0.1057% | 2,363 |
| Net operating income to assets | 1.2424% | 1,399 |
| Return on assets (ROA) | 1.2424% | 1,500 |
| Pretax return on assets | 1.5733% | 1,128 |
| Return on Equity (ROE) | 11.4114% | 1,287 |
| Retained earnings to average equity (ytd only) | 11.4114% | 499 |
| Net charge-offs to loans | -0.0161% | 4,248 |
| Credit loss provision to net charge-offs | -812.5000% | 3,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9237% | 4,479 |
| Assets per employee ($millions) | 8.1939% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 2,853 |
| Loan loss allowance to noncurrent loans | 431.5101% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 3,601 |
| Noncurrent loans to loans | 0.2701% | 3,528 |
| Net loans and leases to total assets | 79.6165% | 740 |
| Net loans and leases to deposits | 89.7995% | 1,534 |
| Net loans and leases to core deposits | 95.6531% | 1,826 |
| Total domestic deposits to total assets | 88.6603% | 817 |
| Equity capital to assets | 11.0596% | 2,808 |
| Core capital (leverage) ratio | 11.1791% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6896% | 2,403 |
| Memoranda: | ||
| Average total assets | $983,917,500 | 835 |
| Average earning assets | $960,433,000 | 784 |
| Average equity | $107,121,000 | 898 |
| Average total loans | $792,670,000 | 758 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 3,149 |
| Cost of funding earning assets | 0.8285% | 2,536 |
| Net interest margin | 3.6072% | 3,112 |
| Noninterest income to average assets | 0.1774% | 4,604 |
| Noninterest expense to average assets | 1.8670% | 4,696 |
| Loan and lease loss provision to assets | 0.0416% | 3,183 |
| Net operating income to assets | 1.4062% | 1,323 |
| Return on assets (ROA) | 1.4062% | 1,403 |
| Pretax return on assets | 1.7808% | 990 |
| Return on Equity (ROE) | 13.2149% | 1,111 |
| Retained earnings to average equity (ytd only) | 11.4091% | 287 |
| Net charge-offs to loans | -0.0041% | 4,308 |
| Credit loss provision to net charge-offs | -1,218.7500% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6033% | 4,701 |
| Assets per employee ($millions) | 8.4151% | 615 |
| Cash dividends to net income (ytd only)* | 13.6643% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 2,799 |
| Loan loss allowance to noncurrent loans | 3,103.4722% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,498 |
| Noncurrent loans to loans | 0.0363% | 4,414 |
| Net loans and leases to total assets | 79.6623% | 830 |
| Net loans and leases to deposits | 89.4865% | 1,650 |
| Net loans and leases to core deposits | 96.0167% | 1,899 |
| Total domestic deposits to total assets | 89.0216% | 663 |
| Equity capital to assets | 10.7150% | 3,243 |
| Core capital (leverage) ratio | 10.7420% | 2,724 |
| Tier 1 risk-based capital ratio | 12.4170% | 4,124 |
| Total risk-based capital ratio | 13.4805% | 4,098 |
| Memoranda: | ||
| Average total assets | $936,747,400 | 837 |
| Average earning assets | $912,033,000 | 791 |
| Average equity | $99,683,200 | 906 |
| Average total loans | $774,803,400 | 734 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 3,057 |
| Cost of funding earning assets | 0.8613% | 2,406 |
| Net interest margin | 3.6407% | 3,127 |
| Noninterest income to average assets | 0.1770% | 4,660 |
| Noninterest expense to average assets | 1.8672% | 4,736 |
| Loan and lease loss provision to assets | 0.0461% | 2,979 |
| Net operating income to assets | 1.4250% | 1,396 |
| Return on assets (ROA) | 1.4250% | 1,454 |
| Pretax return on assets | 1.8049% | 1,082 |
| Return on Equity (ROE) | 13.4158% | 1,136 |
| Retained earnings to average equity (ytd only) | 11.7870% | 410 |
| Net charge-offs to loans | 0.0078% | 3,100 |
| Credit loss provision to net charge-offs | 711.1111% | 468 |
| Earnings coverage of net charge-offs (x) | 285.3040% | 322 |
| Efficiency ratio | 50.2171% | 4,731 |
| Assets per employee ($millions) | 8.1202% | 666 |
| Cash dividends to net income (ytd only)* | 12.1408% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,758 |
| Loan loss allowance to noncurrent loans | 2,920.2658% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 4,573 |
| Noncurrent loans to loans | 0.0395% | 4,478 |
| Net loans and leases to total assets | 78.6486% | 1,040 |
| Net loans and leases to deposits | 88.3874% | 1,883 |
| Net loans and leases to core deposits | 95.1676% | 2,069 |
| Total domestic deposits to total assets | 88.9816% | 615 |
| Equity capital to assets | 10.7330% | 3,352 |
| Core capital (leverage) ratio | 10.9333% | 2,708 |
| Tier 1 risk-based capital ratio | 12.3849% | 4,203 |
| Total risk-based capital ratio | 13.4556% | 4,189 |
| Memoranda: | ||
| Average total assets | $924,792,000 | 846 |
| Average earning assets | $899,510,750 | 800 |
| Average equity | $98,229,750 | 914 |
| Average total loans | $770,187,250 | 738 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 2,875 |
| Cost of funding earning assets | 0.8606% | 2,350 |
| Net interest margin | 3.6832% | 2,980 |
| Noninterest income to average assets | 0.1692% | 4,739 |
| Noninterest expense to average assets | 1.9097% | 4,733 |
| Loan and lease loss provision to assets | 0.0591% | 2,642 |
| Net operating income to assets | 1.4088% | 1,416 |
| Return on assets (ROA) | 1.4088% | 1,467 |
| Pretax return on assets | 1.7847% | 1,077 |
| Return on Equity (ROE) | 13.3123% | 1,155 |
| Retained earnings to average equity (ytd only) | 10.8302% | 575 |
| Net charge-offs to loans | 0.0005% | 3,163 |
| Credit loss provision to net charge-offs | 13,500.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 4,211.5000% | 6 |
| Efficiency ratio | 50.8777% | 4,736 |
| Assets per employee ($millions) | 7.9242% | 692 |
| Cash dividends to net income (ytd only)* | 18.6451% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 2,803 |
| Loan loss allowance to noncurrent loans | 2,106.4748% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 4,542 |
| Noncurrent loans to loans | 0.0544% | 4,441 |
| Net loans and leases to total assets | 82.3826% | 550 |
| Net loans and leases to deposits | 92.6357% | 1,420 |
| Net loans and leases to core deposits | 100.1737% | 1,706 |
| Total domestic deposits to total assets | 88.9319% | 687 |
| Equity capital to assets | 10.8127% | 3,258 |
| Core capital (leverage) ratio | 10.6412% | 2,946 |
| Tier 1 risk-based capital ratio | 11.9947% | 4,422 |
| Total risk-based capital ratio | 13.0669% | 4,410 |
| Memoranda: | ||
| Average total assets | $913,660,000 | 854 |
| Average earning assets | $889,124,000 | 806 |
| Average equity | $96,692,330 | 921 |
| Average total loans | $772,786,000 | 738 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 2,872 |
| Cost of funding earning assets | 0.8126% | 2,464 |
| Net interest margin | 3.6858% | 2,946 |
| Noninterest income to average assets | 0.1607% | 4,773 |
| Noninterest expense to average assets | 1.9291% | 4,757 |
| Loan and lease loss provision to assets | 0.0834% | 2,037 |
| Net operating income to assets | 1.3688% | 1,463 |
| Return on assets (ROA) | 1.3688% | 1,505 |
| Pretax return on assets | 1.7355% | 1,124 |
| Return on Equity (ROE) | 13.0770% | 1,190 |
| Retained earnings to average equity (ytd only) | 10.5598% | 916 |
| Net charge-offs to loans | -0.0289% | 4,629 |
| Credit loss provision to net charge-offs | -339.2857% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4704% | 4,730 |
| Assets per employee ($millions) | 8.1808% | 630 |
| Cash dividends to net income (ytd only)* | 19.2493% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 2,970 |
| Loan loss allowance to noncurrent loans | 1,321.5686% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 4,450 |
| Noncurrent loans to loans | 0.0855% | 4,371 |
| Net loans and leases to total assets | 84.4236% | 334 |
| Net loans and leases to deposits | 94.7730% | 1,081 |
| Net loans and leases to core deposits | 101.6306% | 1,494 |
| Total domestic deposits to total assets | 89.0798% | 826 |
| Equity capital to assets | 10.6398% | 3,213 |
| Core capital (leverage) ratio | 10.5547% | 2,990 |
| Tier 1 risk-based capital ratio | 11.3701% | 4,800 |
| Total risk-based capital ratio | 12.4124% | 4,811 |
| Memoranda: | ||
| Average total assets | $910,887,000 | 857 |
| Average earning assets | $886,537,000 | 811 |
| Average equity | $95,343,000 | 928 |
| Average total loans | $776,154,000 | 737 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 2,857 |
| Cost of funding earning assets | 0.5281% | 3,189 |
| Net interest margin | 3.8433% | 2,526 |
| Noninterest income to average assets | 0.1942% | 4,744 |
| Noninterest expense to average assets | 2.0003% | 4,751 |
| Loan and lease loss provision to assets | 0.1074% | 2,050 |
| Net operating income to assets | 1.4419% | 1,303 |
| Return on assets (ROA) | 1.4372% | 1,306 |
| Pretax return on assets | 1.8206% | 872 |
| Return on Equity (ROE) | 13.7191% | 1,122 |
| Retained earnings to average equity (ytd only) | 11.4660% | 376 |
| Net charge-offs to loans | -0.0399% | 4,897 |
| Credit loss provision to net charge-offs | -308.4746% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8429% | 4,885 |
| Assets per employee ($millions) | 8.5393% | 542 |
| Cash dividends to net income (ytd only)* | 16.4231% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,124 |
| Loan loss allowance to noncurrent loans | 2,102.7160% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 4,626 |
| Noncurrent loans to loans | 0.0521% | 4,513 |
| Net loans and leases to total assets | 84.0978% | 408 |
| Net loans and leases to deposits | 94.0169% | 1,279 |
| Net loans and leases to core deposits | 100.2636% | 1,699 |
| Total domestic deposits to total assets | 89.4496% | 679 |
| Equity capital to assets | 10.2954% | 3,379 |
| Core capital (leverage) ratio | 10.3619% | 3,185 |
| Tier 1 risk-based capital ratio | 11.1806% | 4,873 |
| Total risk-based capital ratio | 12.2038% | 4,885 |
| Memoranda: | ||
| Average total assets | $847,371,000 | 897 |
| Average earning assets | $824,608,200 | 853 |
| Average equity | $88,766,600 | 948 |
| Average total loans | $739,833,800 | 745 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 2,882 |
| Cost of funding earning assets | 0.4743% | 3,364 |
| Net interest margin | 3.8473% | 2,479 |
| Noninterest income to average assets | 0.2017% | 4,762 |
| Noninterest expense to average assets | 2.0232% | 4,696 |
| Loan and lease loss provision to assets | 0.1043% | 1,926 |
| Net operating income to assets | 1.4365% | 1,371 |
| Return on assets (ROA) | 1.4365% | 1,374 |
| Pretax return on assets | 1.8191% | 971 |
| Return on Equity (ROE) | 13.6485% | 1,215 |
| Retained earnings to average equity (ytd only) | 11.3613% | 582 |
| Net charge-offs to loans | -0.0409% | 4,862 |
| Credit loss provision to net charge-offs | -290.1786% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2646% | 4,867 |
| Assets per employee ($millions) | 8.0280% | 646 |
| Cash dividends to net income (ytd only)* | 16.7579% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,328 |
| Loan loss allowance to noncurrent loans | 3,172.4806% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 4,835 |
| Noncurrent loans to loans | 0.0339% | 4,745 |
| Net loans and leases to total assets | 86.9013% | 195 |
| Net loans and leases to deposits | 97.4518% | 1,003 |
| Net loans and leases to core deposits | 103.7172% | 1,473 |
| Total domestic deposits to total assets | 89.1737% | 786 |
| Equity capital to assets | 10.5268% | 3,120 |
| Core capital (leverage) ratio | 10.5726% | 3,003 |
| Tier 1 risk-based capital ratio | 11.0374% | 5,019 |
| Total risk-based capital ratio | 12.0381% | 5,038 |
| Memoranda: | ||
| Average total assets | $830,788,000 | 917 |
| Average earning assets | $808,685,000 | 866 |
| Average equity | $87,441,000 | 955 |
| Average total loans | $730,562,250 | 749 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,954 |
| Cost of funding earning assets | 0.4319% | 3,486 |
| Net interest margin | 3.8155% | 2,520 |
| Noninterest income to average assets | 0.2113% | 4,748 |
| Noninterest expense to average assets | 2.0694% | 4,680 |
| Loan and lease loss provision to assets | 0.0879% | 2,156 |
| Net operating income to assets | 1.3959% | 1,459 |
| Return on assets (ROA) | 1.3959% | 1,459 |
| Pretax return on assets | 1.7677% | 1,039 |
| Return on Equity (ROE) | 13.2630% | 1,276 |
| Retained earnings to average equity (ytd only) | 10.9418% | 685 |
| Net charge-offs to loans | 0.0144% | 2,656 |
| Credit loss provision to net charge-offs | 692.3077% | 561 |
| Earnings coverage of net charge-offs (x) | 146.0769% | 530 |
| Efficiency ratio | 52.7230% | 4,810 |
| Assets per employee ($millions) | 7.8496% | 661 |
| Cash dividends to net income (ytd only)* | 17.5009% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,652 |
| Loan loss allowance to noncurrent loans | 2,730.8244% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 4,857 |
| Noncurrent loans to loans | 0.0377% | 4,744 |
| Net loans and leases to total assets | 88.0275% | 137 |
| Net loans and leases to deposits | 98.7591% | 901 |
| Net loans and leases to core deposits | 104.7606% | 1,331 |
| Total domestic deposits to total assets | 89.1336% | 878 |
| Equity capital to assets | 10.6422% | 2,981 |
| Core capital (leverage) ratio | 10.6041% | 2,919 |
| Tier 1 risk-based capital ratio | 10.9664% | 5,068 |
| Total risk-based capital ratio | 11.9212% | 5,098 |
| Memoranda: | ||
| Average total assets | $818,708,000 | 937 |
| Average earning assets | $796,856,330 | 880 |
| Average equity | $86,164,670 | 968 |
| Average total loans | $720,201,670 | 763 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 3,154 |
| Cost of funding earning assets | 0.3904% | 3,660 |
| Net interest margin | 3.7323% | 2,677 |
| Noninterest income to average assets | 0.2123% | 4,737 |
| Noninterest expense to average assets | 2.1088% | 4,639 |
| Loan and lease loss provision to assets | 0.0591% | 2,584 |
| Net operating income to assets | 1.3231% | 1,569 |
| Return on assets (ROA) | 1.3231% | 1,574 |
| Pretax return on assets | 1.6753% | 1,178 |
| Return on Equity (ROE) | 12.6441% | 1,369 |
| Retained earnings to average equity (ytd only) | 10.2904% | 1,071 |
| Net charge-offs to loans | -0.1385% | 5,301 |
| Credit loss provision to net charge-offs | -48.7805% | 3,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8705% | 4,702 |
| Assets per employee ($millions) | 7.5201% | 760 |
| Cash dividends to net income (ytd only)* | 18.6150% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,511 |
| Loan loss allowance to noncurrent loans | 985.4942% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 4,612 |
| Noncurrent loans to loans | 0.1093% | 4,484 |
| Net loans and leases to total assets | 86.7799% | 211 |
| Net loans and leases to deposits | 97.3755% | 915 |
| Net loans and leases to core deposits | 108.8538% | 1,071 |
| Total domestic deposits to total assets | 89.1189% | 1,042 |
| Equity capital to assets | 10.5924% | 2,977 |
| Core capital (leverage) ratio | 10.6174% | 2,830 |
| Tier 1 risk-based capital ratio | 11.0065% | 5,128 |
| Total risk-based capital ratio | 12.0004% | 5,159 |
| Memoranda: | ||
| Average total assets | $812,033,000 | 951 |
| Average earning assets | $789,965,000 | 891 |
| Average equity | $84,972,500 | 984 |
| Average total loans | $710,273,000 | 769 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 3,709 |
| Cost of funding earning assets | 0.3602% | 3,615 |
| Net interest margin | 3.5451% | 3,358 |
| Noninterest income to average assets | 0.1909% | 5,001 |
| Noninterest expense to average assets | 1.8507% | 5,194 |
| Loan and lease loss provision to assets | 0.0487% | 3,251 |
| Net operating income to assets | 1.0147% | 2,177 |
| Return on assets (ROA) | 1.0104% | 2,229 |
| Pretax return on assets | 1.7255% | 947 |
| Return on Equity (ROE) | 10.0022% | 1,884 |
| Retained earnings to average equity (ytd only) | 7.7784% | 833 |
| Net charge-offs to loans | 0.0183% | 3,492 |
| Credit loss provision to net charge-offs | 317.0732% | 902 |
| Earnings coverage of net charge-offs (x) | 116.0163% | 581 |
| Efficiency ratio | 50.9605% | 5,172 |
| Assets per employee ($millions) | 7.8825% | 664 |
| Cash dividends to net income (ytd only)* | 22.2332% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,723 |
| Loan loss allowance to noncurrent loans | 1,329.2727% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 4,789 |
| Noncurrent loans to loans | 0.0777% | 4,648 |
| Net loans and leases to total assets | 86.3112% | 235 |
| Net loans and leases to deposits | 96.5487% | 1,034 |
| Net loans and leases to core deposits | 108.3925% | 1,105 |
| Total domestic deposits to total assets | 89.3966% | 823 |
| Equity capital to assets | 10.3359% | 3,344 |
| Core capital (leverage) ratio | 9.9554% | 3,511 |
| Tier 1 risk-based capital ratio | 10.8982% | 5,200 |
| Total risk-based capital ratio | 11.8604% | 5,231 |
| Memoranda: | ||
| Average total assets | $801,284,400 | 929 |
| Average earning assets | $777,654,000 | 887 |
| Average equity | $80,941,800 | 1,000 |
| Average total loans | $672,566,000 | 774 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 3,920 |
| Cost of funding earning assets | 0.3489% | 3,679 |
| Net interest margin | 3.4761% | 3,584 |
| Noninterest income to average assets | 0.1918% | 5,056 |
| Noninterest expense to average assets | 1.8353% | 5,226 |
| Loan and lease loss provision to assets | 0.0651% | 2,772 |
| Net operating income to assets | 1.1112% | 2,038 |
| Return on assets (ROA) | 1.1112% | 2,100 |
| Pretax return on assets | 1.6645% | 1,202 |
| Return on Equity (ROE) | 11.0657% | 1,674 |
| Retained earnings to average equity (ytd only) | 8.8213% | 906 |
| Net charge-offs to loans | -0.0301% | 4,999 |
| Credit loss provision to net charge-offs | -260.0000% | 4,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4822% | 5,141 |
| Assets per employee ($millions) | 8.1147% | 607 |
| Cash dividends to net income (ytd only)* | 20.2825% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,355 |
| Loan loss allowance to noncurrent loans | 270.4708% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 3,699 |
| Noncurrent loans to loans | 0.4154% | 3,460 |
| Net loans and leases to total assets | 80.6349% | 897 |
| Net loans and leases to deposits | 89.9188% | 1,819 |
| Net loans and leases to core deposits | 100.9439% | 1,626 |
| Total domestic deposits to total assets | 89.6752% | 588 |
| Equity capital to assets | 10.0226% | 3,887 |
| Core capital (leverage) ratio | 10.1780% | 3,344 |
| Tier 1 risk-based capital ratio | 11.0923% | 5,193 |
| Total risk-based capital ratio | 12.1198% | 5,210 |
| Memoranda: | ||
| Average total assets | $798,630,750 | 942 |
| Average earning assets | $774,942,750 | 893 |
| Average equity | $80,198,000 | 1,009 |
| Average total loans | $663,689,750 | 790 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 3,943 |
| Cost of funding earning assets | 0.3403% | 3,685 |
| Net interest margin | 3.4439% | 3,617 |
| Noninterest income to average assets | 0.1924% | 5,087 |
| Noninterest expense to average assets | 1.8691% | 5,228 |
| Loan and lease loss provision to assets | 0.0608% | 2,746 |
| Net operating income to assets | 1.0774% | 2,092 |
| Return on assets (ROA) | 1.0774% | 2,138 |
| Pretax return on assets | 1.6054% | 1,326 |
| Return on Equity (ROE) | 10.7217% | 1,749 |
| Retained earnings to average equity (ytd only) | 8.4512% | 1,010 |
| Net charge-offs to loans | -0.0279% | 4,924 |
| Credit loss provision to net charge-offs | -260.8696% | 4,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8682% | 5,105 |
| Assets per employee ($millions) | 8.0314% | 612 |
| Cash dividends to net income (ytd only)* | 21.1765% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,512 |
| Loan loss allowance to noncurrent loans | 218.3541% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 3,417 |
| Noncurrent loans to loans | 0.5096% | 3,231 |
| Net loans and leases to total assets | 82.4373% | 612 |
| Net loans and leases to deposits | 92.0217% | 1,488 |
| Net loans and leases to core deposits | 103.7599% | 1,372 |
| Total domestic deposits to total assets | 89.5847% | 692 |
| Equity capital to assets | 10.1872% | 3,683 |
| Core capital (leverage) ratio | 10.1558% | 3,330 |
| Tier 1 risk-based capital ratio | 11.1302% | 5,187 |
| Total risk-based capital ratio | 12.1576% | 5,211 |
| Memoranda: | ||
| Average total assets | $788,941,000 | 952 |
| Average earning assets | $765,824,670 | 908 |
| Average equity | $79,278,330 | 1,024 |
| Average total loans | $659,920,000 | 797 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,104 |
| Cost of funding earning assets | 0.3187% | 3,863 |
| Net interest margin | 3.3884% | 3,687 |
| Noninterest income to average assets | 0.1797% | 5,193 |
| Noninterest expense to average assets | 1.8874% | 5,255 |
| Loan and lease loss provision to assets | 0.0458% | 2,884 |
| Net operating income to assets | 1.0328% | 2,155 |
| Return on assets (ROA) | 1.0328% | 2,205 |
| Pretax return on assets | 1.5372% | 1,416 |
| Return on Equity (ROE) | 10.3497% | 1,801 |
| Retained earnings to average equity (ytd only) | 8.0543% | 1,437 |
| Net charge-offs to loans | -0.0298% | 4,929 |
| Credit loss provision to net charge-offs | -183.6735% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3855% | 5,090 |
| Assets per employee ($millions) | 8.1049% | 589 |
| Cash dividends to net income (ytd only)* | 22.1784% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,840 |
| Loan loss allowance to noncurrent loans | 1,039.5080% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 4,926 |
| Noncurrent loans to loans | 0.1036% | 4,774 |
| Net loans and leases to total assets | 83.0315% | 458 |
| Net loans and leases to deposits | 92.5595% | 1,263 |
| Net loans and leases to core deposits | 105.5330% | 1,138 |
| Total domestic deposits to total assets | 89.7061% | 789 |
| Equity capital to assets | 9.9732% | 3,786 |
| Core capital (leverage) ratio | 10.1953% | 3,243 |
| Tier 1 risk-based capital ratio | 10.7291% | 5,448 |
| Total risk-based capital ratio | 11.7156% | 5,482 |
| Memoranda: | ||
| Average total assets | $785,858,500 | 959 |
| Average earning assets | $763,202,000 | 915 |
| Average equity | $78,418,000 | 1,030 |
| Average total loans | $658,460,000 | 796 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 4,102 |
| Cost of funding earning assets | 0.3213% | 3,832 |
| Net interest margin | 3.4157% | 3,765 |
| Noninterest income to average assets | 0.1840% | 5,299 |
| Noninterest expense to average assets | 1.9021% | 5,358 |
| Loan and lease loss provision to assets | 0.0473% | 3,444 |
| Net operating income to assets | 1.0476% | 2,149 |
| Return on assets (ROA) | 1.0476% | 2,253 |
| Pretax return on assets | 1.5525% | 1,423 |
| Return on Equity (ROE) | 10.6949% | 1,694 |
| Retained earnings to average equity (ytd only) | 8.5465% | 684 |
| Net charge-offs to loans | 0.0101% | 3,926 |
| Credit loss provision to net charge-offs | 562.5000% | 600 |
| Earnings coverage of net charge-offs (x) | 190.0625% | 353 |
| Efficiency ratio | 54.3153% | 5,220 |
| Assets per employee ($millions) | 7.7744% | 660 |
| Cash dividends to net income (ytd only)* | 20.0879% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 3,807 |
| Loan loss allowance to noncurrent loans | 3,419.4175% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 5,276 |
| Noncurrent loans to loans | 0.0317% | 5,143 |
| Net loans and leases to total assets | 82.7322% | 514 |
| Net loans and leases to deposits | 92.1889% | 1,430 |
| Net loans and leases to core deposits | 103.8883% | 1,292 |
| Total domestic deposits to total assets | 89.7420% | 757 |
| Equity capital to assets | 9.9842% | 3,741 |
| Core capital (leverage) ratio | 9.8115% | 3,728 |
| Tier 1 risk-based capital ratio | 10.8377% | 5,413 |
| Total risk-based capital ratio | 11.8354% | 5,463 |
| Memoranda: | ||
| Average total assets | $760,327,200 | 951 |
| Average earning assets | $738,569,200 | 902 |
| Average equity | $74,474,800 | 1,068 |
| Average total loans | $631,332,000 | 790 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 4,104 |
| Cost of funding earning assets | 0.3231% | 3,834 |
| Net interest margin | 3.4210% | 3,768 |
| Noninterest income to average assets | 0.1832% | 5,363 |
| Noninterest expense to average assets | 1.8961% | 5,383 |
| Loan and lease loss provision to assets | 0.0212% | 3,814 |
| Net operating income to assets | 1.0729% | 2,101 |
| Return on assets (ROA) | 1.0729% | 2,210 |
| Pretax return on assets | 1.5882% | 1,416 |
| Return on Equity (ROE) | 11.0083% | 1,667 |
| Retained earnings to average equity (ytd only) | 8.8370% | 868 |
| Net charge-offs to loans | -0.0438% | 5,324 |
| Credit loss provision to net charge-offs | -58.2524% | 4,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0899% | 5,236 |
| Assets per employee ($millions) | 7.6719% | 674 |
| Cash dividends to net income (ytd only)* | 19.7239% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,712 |
| Loan loss allowance to noncurrent loans | 1,641.2993% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 5,238 |
| Noncurrent loans to loans | 0.0685% | 5,072 |
| Net loans and leases to total assets | 79.5497% | 955 |
| Net loans and leases to deposits | 89.8448% | 1,779 |
| Net loans and leases to core deposits | 101.5342% | 1,514 |
| Total domestic deposits to total assets | 88.5413% | 1,138 |
| Equity capital to assets | 9.7374% | 4,430 |
| Core capital (leverage) ratio | 9.7066% | 3,931 |
| Tier 1 risk-based capital ratio | 10.8848% | 5,436 |
| Total risk-based capital ratio | 11.9100% | 5,457 |
| Memoranda: | ||
| Average total assets | $756,049,250 | 954 |
| Average earning assets | $734,223,500 | 903 |
| Average equity | $73,688,250 | 1,082 |
| Average total loans | $626,606,000 | 791 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7266% | 4,201 |
| Cost of funding earning assets | 0.3177% | 3,924 |
| Net interest margin | 3.4089% | 3,856 |
| Noninterest income to average assets | 0.1772% | 5,434 |
| Noninterest expense to average assets | 1.9180% | 5,424 |
| Loan and lease loss provision to assets | 0.0214% | 3,703 |
| Net operating income to assets | 1.0479% | 2,192 |
| Return on assets (ROA) | 1.0479% | 2,317 |
| Pretax return on assets | 1.5489% | 1,532 |
| Return on Equity (ROE) | 10.7479% | 1,739 |
| Retained earnings to average equity (ytd only) | 8.5517% | 993 |
| Net charge-offs to loans | -0.0531% | 5,396 |
| Credit loss provision to net charge-offs | -48.1928% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9835% | 5,240 |
| Assets per employee ($millions) | 7.4722% | 709 |
| Cash dividends to net income (ytd only)* | 20.4342% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,959 |
| Loan loss allowance to noncurrent loans | 1,564.6532% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 5,325 |
| Noncurrent loans to loans | 0.0701% | 5,168 |
| Net loans and leases to total assets | 81.9415% | 634 |
| Net loans and leases to deposits | 92.4528% | 1,455 |
| Net loans and leases to core deposits | 103.8545% | 1,328 |
| Total domestic deposits to total assets | 88.6307% | 1,096 |
| Equity capital to assets | 9.6736% | 4,583 |
| Core capital (leverage) ratio | 9.7157% | 3,907 |
| Tier 1 risk-based capital ratio | 10.5995% | 5,630 |
| Total risk-based capital ratio | 11.6099% | 5,654 |
| Memoranda: | ||
| Average total assets | $747,219,670 | 967 |
| Average earning assets | $725,815,000 | 912 |
| Average equity | $72,851,330 | 1,092 |
| Average total loans | $625,614,330 | 794 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7181% | 4,256 |
| Cost of funding earning assets | 0.3044% | 4,112 |
| Net interest margin | 3.4137% | 3,825 |
| Noninterest income to average assets | 0.1810% | 5,413 |
| Noninterest expense to average assets | 1.9597% | 5,416 |
| Loan and lease loss provision to assets | 0.0217% | 3,401 |
| Net operating income to assets | 1.0266% | 2,175 |
| Return on assets (ROA) | 1.0266% | 2,292 |
| Pretax return on assets | 1.5271% | 1,512 |
| Return on Equity (ROE) | 10.4869% | 1,784 |
| Retained earnings to average equity (ytd only) | 8.2663% | 1,348 |
| Net charge-offs to loans | 0.0039% | 2,989 |
| Credit loss provision to net charge-offs | 666.6667% | 493 |
| Earnings coverage of net charge-offs (x) | 475.0000% | 118 |
| Efficiency ratio | 55.8550% | 5,204 |
| Assets per employee ($millions) | 7.7571% | 620 |
| Cash dividends to net income (ytd only)* | 21.1752% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 4,099 |
| Loan loss allowance to noncurrent loans | 1,294.2748% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 5,321 |
| Noncurrent loans to loans | 0.0843% | 5,141 |
| Net loans and leases to total assets | 80.8487% | 708 |
| Net loans and leases to deposits | 91.2022% | 1,436 |
| Net loans and leases to core deposits | 100.8424% | 1,417 |
| Total domestic deposits to total assets | 88.6478% | 1,275 |
| Equity capital to assets | 9.5773% | 4,587 |
| Core capital (leverage) ratio | 10.1517% | 3,368 |
| Tier 1 risk-based capital ratio | 10.5480% | 5,730 |
| Total risk-based capital ratio | 11.5454% | 5,758 |
| Memoranda: | ||
| Average total assets | $736,013,500 | 984 |
| Average earning assets | $717,454,500 | 925 |
| Average equity | $72,051,500 | 1,099 |
| Average total loans | $619,600,500 | 799 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7135% | 4,329 |
| Cost of funding earning assets | 0.2957% | 4,299 |
| Net interest margin | 3.4178% | 3,842 |
| Noninterest income to average assets | 0.1933% | 5,429 |
| Noninterest expense to average assets | 1.9353% | 5,568 |
| Loan and lease loss provision to assets | 0.0524% | 3,265 |
| Net operating income to assets | 1.0108% | 2,306 |
| Return on assets (ROA) | 1.0116% | 2,389 |
| Pretax return on assets | 1.5255% | 1,478 |
| Return on Equity (ROE) | 10.2899% | 1,884 |
| Retained earnings to average equity (ytd only) | 7.9546% | 932 |
| Net charge-offs to loans | -0.0675% | 5,652 |
| Credit loss provision to net charge-offs | -93.5897% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1075% | 5,429 |
| Assets per employee ($millions) | 7.3385% | 771 |
| Cash dividends to net income (ytd only)* | 22.6950% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 4,090 |
| Loan loss allowance to noncurrent loans | 753.1250% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 5,093 |
| Noncurrent loans to loans | 0.1450% | 4,912 |
| Net loans and leases to total assets | 85.8438% | 241 |
| Net loans and leases to deposits | 97.3936% | 877 |
| Net loans and leases to core deposits | 105.9238% | 1,101 |
| Total domestic deposits to total assets | 88.1411% | 1,561 |
| Equity capital to assets | 10.0160% | 3,940 |
| Core capital (leverage) ratio | 9.8704% | 3,690 |
| Tier 1 risk-based capital ratio | 10.5527% | 5,751 |
| Total risk-based capital ratio | 11.5664% | 5,783 |
| Memoranda: | ||
| Average total assets | $696,903,800 | 996 |
| Average earning assets | $676,669,200 | 941 |
| Average equity | $68,513,800 | 1,111 |
| Average total loans | $577,919,600 | 812 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 4,407 |
| Cost of funding earning assets | 0.2970% | 4,373 |
| Net interest margin | 3.4069% | 3,924 |
| Noninterest income to average assets | 0.1950% | 5,482 |
| Noninterest expense to average assets | 1.9410% | 5,579 |
| Loan and lease loss provision to assets | 0.0510% | 3,187 |
| Net operating income to assets | 1.0004% | 2,467 |
| Return on assets (ROA) | 1.0016% | 2,556 |
| Pretax return on assets | 1.5095% | 1,655 |
| Return on Equity (ROE) | 10.2369% | 2,002 |
| Retained earnings to average equity (ytd only) | 7.8777% | 1,290 |
| Net charge-offs to loans | -0.0826% | 5,721 |
| Credit loss provision to net charge-offs | -75.2841% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4603% | 5,411 |
| Assets per employee ($millions) | 7.3903% | 722 |
| Cash dividends to net income (ytd only)* | 23.0459% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 3,974 |
| Loan loss allowance to noncurrent loans | 525.8552% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 5,051 |
| Noncurrent loans to loans | 0.2175% | 4,786 |
| Net loans and leases to total assets | 79.6943% | 860 |
| Net loans and leases to deposits | 90.1351% | 1,632 |
| Net loans and leases to core deposits | 99.0574% | 1,603 |
| Total domestic deposits to total assets | 88.4166% | 1,326 |
| Equity capital to assets | 9.7474% | 4,455 |
| Core capital (leverage) ratio | 9.8535% | 3,829 |
| Tier 1 risk-based capital ratio | 10.9922% | 5,663 |
| Total risk-based capital ratio | 12.0483% | 5,686 |
| Memoranda: | ||
| Average total assets | $693,171,250 | 1,007 |
| Average earning assets | $672,391,250 | 962 |
| Average equity | $67,818,000 | 1,132 |
| Average total loans | $567,946,250 | 832 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 4,347 |
| Cost of funding earning assets | 0.2996% | 4,400 |
| Net interest margin | 3.4228% | 3,819 |
| Noninterest income to average assets | 0.1944% | 5,517 |
| Noninterest expense to average assets | 1.9686% | 5,591 |
| Loan and lease loss provision to assets | 0.0569% | 2,958 |
| Net operating income to assets | 0.9879% | 2,451 |
| Return on assets (ROA) | 0.9897% | 2,551 |
| Pretax return on assets | 1.4890% | 1,679 |
| Return on Equity (ROE) | 10.1024% | 2,027 |
| Retained earnings to average equity (ytd only) | 7.7191% | 1,382 |
| Net charge-offs to loans | -0.0280% | 5,302 |
| Credit loss provision to net charge-offs | -246.8354% | 5,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0542% | 5,423 |
| Assets per employee ($millions) | 7.1015% | 802 |
| Cash dividends to net income (ytd only)* | 23.5919% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 4,332 |
| Loan loss allowance to noncurrent loans | 859.6708% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 5,449 |
| Noncurrent loans to loans | 0.1278% | 5,239 |
| Net loans and leases to total assets | 81.0739% | 660 |
| Net loans and leases to deposits | 91.8317% | 1,393 |
| Net loans and leases to core deposits | 100.8011% | 1,420 |
| Total domestic deposits to total assets | 88.2852% | 1,502 |
| Equity capital to assets | 9.8353% | 4,239 |
| Core capital (leverage) ratio | 9.9946% | 3,612 |
| Tier 1 risk-based capital ratio | 10.9598% | 5,734 |
| Total risk-based capital ratio | 11.9798% | 5,766 |
| Memoranda: | ||
| Average total assets | $685,275,330 | 1,019 |
| Average earning assets | $664,184,330 | 971 |
| Average equity | $67,132,330 | 1,145 |
| Average total loans | $564,626,330 | 834 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 4,343 |
| Cost of funding earning assets | 0.3010% | 4,428 |
| Net interest margin | 3.4049% | 3,823 |
| Noninterest income to average assets | 0.1847% | 5,611 |
| Noninterest expense to average assets | 1.9919% | 5,595 |
| Loan and lease loss provision to assets | 0.0588% | 2,755 |
| Net operating income to assets | 0.9532% | 2,488 |
| Return on assets (ROA) | 0.9560% | 2,609 |
| Pretax return on assets | 1.4384% | 1,749 |
| Return on Equity (ROE) | 9.7782% | 2,105 |
| Retained earnings to average equity (ytd only) | 7.3712% | 1,826 |
| Net charge-offs to loans | -0.0306% | 5,266 |
| Credit loss provision to net charge-offs | -232.5581% | 4,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1573% | 5,425 |
| Assets per employee ($millions) | 6.9553% | 872 |
| Cash dividends to net income (ytd only)* | 24.6154% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 4,546 |
| Loan loss allowance to noncurrent loans | 813.7931% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 5,515 |
| Noncurrent loans to loans | 0.1345% | 5,297 |
| Net loans and leases to total assets | 81.3678% | 530 |
| Net loans and leases to deposits | 92.2480% | 1,158 |
| Net loans and leases to core deposits | 102.2729% | 1,159 |
| Total domestic deposits to total assets | 88.2055% | 1,701 |
| Equity capital to assets | 9.8430% | 4,333 |
| Core capital (leverage) ratio | 9.9758% | 3,630 |
| Tier 1 risk-based capital ratio | 10.8630% | 5,869 |
| Total risk-based capital ratio | 11.8731% | 5,896 |
| Memoranda: | ||
| Average total assets | $679,941,500 | 1,026 |
| Average earning assets | $659,049,000 | 975 |
| Average equity | $66,474,500 | 1,151 |
| Average total loans | $561,692,000 | 831 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7336% | 4,696 |
| Cost of funding earning assets | 0.3523% | 4,228 |
| Net interest margin | 3.3813% | 4,272 |
| Noninterest income to average assets | 0.1671% | 5,859 |
| Noninterest expense to average assets | 1.9635% | 5,833 |
| Loan and lease loss provision to assets | 0.0415% | 3,748 |
| Net operating income to assets | 0.9480% | 2,642 |
| Return on assets (ROA) | 0.9480% | 2,728 |
| Pretax return on assets | 1.4211% | 1,810 |
| Return on Equity (ROE) | 9.9551% | 2,144 |
| Retained earnings to average equity (ytd only) | 8.7652% | 755 |
| Net charge-offs to loans | -0.0545% | 5,954 |
| Credit loss provision to net charge-offs | -95.4861% | 5,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3085% | 5,531 |
| Assets per employee ($millions) | 6.7826% | 925 |
| Cash dividends to net income (ytd only)* | 11.9522% | 4,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 4,731 |
| Loan loss allowance to noncurrent loans | 766.3683% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 5,567 |
| Noncurrent loans to loans | 0.1390% | 5,339 |
| Net loans and leases to total assets | 82.0679% | 515 |
| Net loans and leases to deposits | 92.8494% | 1,199 |
| Net loans and leases to core deposits | 102.3947% | 1,218 |
| Total domestic deposits to total assets | 88.3881% | 1,575 |
| Equity capital to assets | 9.7097% | 4,457 |
| Core capital (leverage) ratio | 9.7164% | 3,947 |
| Tier 1 risk-based capital ratio | 11.5190% | 5,650 |
| Total risk-based capital ratio | 12.5851% | 5,671 |
| Memoranda: | ||
| Average total assets | $661,934,000 | 1,010 |
| Average earning assets | $638,010,400 | 963 |
| Average equity | $63,033,000 | 1,160 |
| Average total loans | $528,791,000 | 834 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,803 |
| Cost of funding earning assets | 0.3626% | 4,207 |
| Net interest margin | 3.3562% | 4,406 |
| Noninterest income to average assets | 0.1627% | 5,942 |
| Noninterest expense to average assets | 1.9732% | 5,812 |
| Loan and lease loss provision to assets | 0.0557% | 3,257 |
| Net operating income to assets | 0.9133% | 2,848 |
| Return on assets (ROA) | 0.9133% | 2,950 |
| Pretax return on assets | 1.3660% | 2,138 |
| Return on Equity (ROE) | 9.6392% | 2,388 |
| Retained earnings to average equity (ytd only) | 8.8905% | 1,035 |
| Net charge-offs to loans | -0.0108% | 5,443 |
| Credit loss provision to net charge-offs | -654.7619% | 5,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1219% | 5,425 |
| Assets per employee ($millions) | 6.6884% | 922 |
| Cash dividends to net income (ytd only)* | 7.7675% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 4,871 |
| Loan loss allowance to noncurrent loans | 671.3785% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 5,652 |
| Noncurrent loans to loans | 0.1595% | 5,432 |
| Net loans and leases to total assets | 80.1687% | 703 |
| Net loans and leases to deposits | 90.8154% | 1,350 |
| Net loans and leases to core deposits | 101.0748% | 1,286 |
| Total domestic deposits to total assets | 88.2765% | 1,615 |
| Equity capital to assets | 9.7393% | 4,499 |
| Core capital (leverage) ratio | 9.7199% | 4,049 |
| Tier 1 risk-based capital ratio | 11.8439% | 5,591 |
| Total risk-based capital ratio | 12.9180% | 5,609 |
| Memoranda: | ||
| Average total assets | $657,851,750 | 1,024 |
| Average earning assets | $633,548,500 | 978 |
| Average equity | $62,327,000 | 1,183 |
| Average total loans | $520,331,500 | 856 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6881% | 4,894 |
| Cost of funding earning assets | 0.3709% | 4,198 |
| Net interest margin | 3.3172% | 4,522 |
| Noninterest income to average assets | 0.1575% | 6,005 |
| Noninterest expense to average assets | 1.9680% | 5,876 |
| Loan and lease loss provision to assets | 0.0655% | 2,959 |
| Net operating income to assets | 0.8799% | 2,905 |
| Return on assets (ROA) | 0.8799% | 2,993 |
| Pretax return on assets | 1.3150% | 2,201 |
| Return on Equity (ROE) | 9.3757% | 2,426 |
| Retained earnings to average equity (ytd only) | 8.2394% | 1,234 |
| Net charge-offs to loans | 0.0016% | 4,345 |
| Credit loss provision to net charge-offs | 5,375.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 1,132.7500% | 52 |
| Efficiency ratio | 58.7716% | 5,463 |
| Assets per employee ($millions) | 6.9086% | 835 |
| Cash dividends to net income (ytd only)* | 12.1191% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 5,050 |
| Loan loss allowance to noncurrent loans | 615.1581% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 5,746 |
| Noncurrent loans to loans | 0.1729% | 5,489 |
| Net loans and leases to total assets | 77.4952% | 979 |
| Net loans and leases to deposits | 87.5496% | 1,649 |
| Net loans and leases to core deposits | 98.1569% | 1,431 |
| Total domestic deposits to total assets | 88.5157% | 1,630 |
| Equity capital to assets | 9.2868% | 4,994 |
| Core capital (leverage) ratio | 9.6545% | 4,108 |
| Tier 1 risk-based capital ratio | 11.6129% | 5,739 |
| Total risk-based capital ratio | 12.6735% | 5,797 |
| Memoranda: | ||
| Average total assets | $656,419,000 | 1,031 |
| Average earning assets | $631,437,330 | 979 |
| Average equity | $61,606,330 | 1,186 |
| Average total loans | $514,914,000 | 859 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 4,922 |
| Cost of funding earning assets | 0.3791% | 4,211 |
| Net interest margin | 3.2975% | 4,548 |
| Noninterest income to average assets | 0.1442% | 6,106 |
| Noninterest expense to average assets | 2.0182% | 5,848 |
| Loan and lease loss provision to assets | 0.0929% | 2,368 |
| Net operating income to assets | 0.8098% | 3,106 |
| Return on assets (ROA) | 0.8098% | 3,179 |
| Pretax return on assets | 1.2103% | 2,446 |
| Return on Equity (ROE) | 8.5811% | 2,653 |
| Retained earnings to average equity (ytd only) | 8.5811% | 1,388 |
| Net charge-offs to loans | -0.0457% | 5,769 |
| Credit loss provision to net charge-offs | -258.6207% | 5,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7642% | 5,300 |
| Assets per employee ($millions) | 6.7334% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,112 |
| Loan loss allowance to noncurrent loans | 476.1824% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 5,675 |
| Noncurrent loans to loans | 0.2314% | 5,408 |
| Net loans and leases to total assets | 78.2914% | 735 |
| Net loans and leases to deposits | 88.8167% | 1,272 |
| Net loans and leases to core deposits | 101.0130% | 1,035 |
| Total domestic deposits to total assets | 88.1494% | 2,144 |
| Equity capital to assets | 9.5335% | 4,457 |
| Core capital (leverage) ratio | 9.7046% | 3,992 |
| Tier 1 risk-based capital ratio | 11.6022% | 5,862 |
| Total risk-based capital ratio | 12.6825% | 5,902 |
| Memoranda: | ||
| Average total assets | $646,105,500 | 1,058 |
| Average earning assets | $622,539,000 | 999 |
| Average equity | $60,971,500 | 1,192 |
| Average total loans | $507,211,500 | 868 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 3,500 |
| Cost of funding earning assets | 0.4541% | 4,070 |
| Net interest margin | 3.7056% | 3,029 |
| Noninterest income to average assets | 0.1629% | 6,114 |
| Noninterest expense to average assets | 2.0819% | 5,866 |
| Loan and lease loss provision to assets | 0.1064% | 3,018 |
| Net operating income to assets | 1.0389% | 2,164 |
| Return on assets (ROA) | 1.0389% | 2,232 |
| Pretax return on assets | 1.5525% | 1,290 |
| Return on Equity (ROE) | 10.8959% | 1,799 |
| Retained earnings to average equity (ytd only) | 9.5884% | 652 |
| Net charge-offs to loans | 0.0671% | 4,275 |
| Credit loss provision to net charge-offs | 195.1220% | 1,179 |
| Earnings coverage of net charge-offs (x) | 30.4268% | 1,174 |
| Efficiency ratio | 55.6543% | 5,985 |
| Assets per employee ($millions) | 6.7271% | 886 |
| Cash dividends to net income (ytd only)* | 12.0000% | 3,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,242 |
| Loan loss allowance to noncurrent loans | 417.6923% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 5,691 |
| Noncurrent loans to loans | 0.2586% | 5,407 |
| Net loans and leases to total assets | 77.0007% | 952 |
| Net loans and leases to deposits | 87.1256% | 1,559 |
| Net loans and leases to core deposits | 98.4227% | 1,277 |
| Total domestic deposits to total assets | 88.3790% | 1,962 |
| Equity capital to assets | 9.3400% | 4,637 |
| Core capital (leverage) ratio | 9.6998% | 3,983 |
| Tier 1 risk-based capital ratio | 11.8502% | 5,706 |
| Total risk-based capital ratio | 12.9368% | 5,741 |
| Memoranda: | ||
| Average total assets | $601,609,400 | 1,105 |
| Average earning assets | $580,870,000 | 1,052 |
| Average equity | $57,361,200 | 1,252 |
| Average total loans | $488,472,000 | 869 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 3,917 |
| Cost of funding earning assets | 0.4692% | 4,072 |
| Net interest margin | 3.5852% | 3,513 |
| Noninterest income to average assets | 0.1653% | 6,199 |
| Noninterest expense to average assets | 2.0378% | 5,952 |
| Loan and lease loss provision to assets | 0.1219% | 2,768 |
| Net operating income to assets | 0.9844% | 2,449 |
| Return on assets (ROA) | 0.9844% | 2,548 |
| Pretax return on assets | 1.4677% | 1,705 |
| Return on Equity (ROE) | 10.2667% | 2,077 |
| Retained earnings to average equity (ytd only) | 8.5006% | 1,223 |
| Net charge-offs to loans | 0.0531% | 4,148 |
| Credit loss provision to net charge-offs | 279.7927% | 913 |
| Earnings coverage of net charge-offs (x) | 36.4814% | 1,070 |
| Efficiency ratio | 56.1773% | 5,883 |
| Assets per employee ($millions) | 6.5318% | 920 |
| Cash dividends to net income (ytd only)* | 17.2019% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 5,372 |
| Loan loss allowance to noncurrent loans | 341.5625% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 5,649 |
| Noncurrent loans to loans | 0.3187% | 5,427 |
| Net loans and leases to total assets | 81.7497% | 386 |
| Net loans and leases to deposits | 92.9331% | 906 |
| Net loans and leases to core deposits | 106.1378% | 752 |
| Total domestic deposits to total assets | 87.9661% | 2,153 |
| Equity capital to assets | 9.6119% | 4,403 |
| Core capital (leverage) ratio | 9.7334% | 4,057 |
| Tier 1 risk-based capital ratio | 11.5185% | 6,051 |
| Total risk-based capital ratio | 12.6157% | 6,089 |
| Memoranda: | ||
| Average total assets | $590,561,000 | 1,141 |
| Average earning assets | $570,289,750 | 1,075 |
| Average equity | $56,622,000 | 1,272 |
| Average total loans | $484,914,250 | 875 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0512% | 3,922 |
| Cost of funding earning assets | 0.4803% | 4,095 |
| Net interest margin | 3.5709% | 3,482 |
| Noninterest income to average assets | 0.1665% | 6,220 |
| Noninterest expense to average assets | 2.0320% | 5,983 |
| Loan and lease loss provision to assets | 0.1231% | 2,784 |
| Net operating income to assets | 0.9820% | 2,404 |
| Return on assets (ROA) | 0.9820% | 2,555 |
| Pretax return on assets | 1.4638% | 1,729 |
| Return on Equity (ROE) | 10.2510% | 2,104 |
| Retained earnings to average equity (ytd only) | 7.5741% | 1,637 |
| Net charge-offs to loans | 0.1177% | 3,190 |
| Credit loss provision to net charge-offs | 127.6596% | 1,769 |
| Earnings coverage of net charge-offs (x) | 16.4574% | 1,665 |
| Efficiency ratio | 56.1508% | 5,950 |
| Assets per employee ($millions) | 6.4018% | 958 |
| Cash dividends to net income (ytd only)* | 26.1142% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 5,586 |
| Loan loss allowance to noncurrent loans | 228.2953% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 5,310 |
| Noncurrent loans to loans | 0.4639% | 5,101 |
| Net loans and leases to total assets | 83.3221% | 278 |
| Net loans and leases to deposits | 95.5781% | 701 |
| Net loans and leases to core deposits | 109.2915% | 591 |
| Total domestic deposits to total assets | 87.1770% | 2,720 |
| Equity capital to assets | 9.7646% | 4,222 |
| Core capital (leverage) ratio | 9.8465% | 3,727 |
| Tier 1 risk-based capital ratio | 11.4662% | 6,126 |
| Total risk-based capital ratio | 12.5329% | 6,179 |
| Memoranda: | ||
| Average total assets | $584,930,330 | 1,152 |
| Average earning assets | $565,518,330 | 1,081 |
| Average equity | $56,033,330 | 1,288 |
| Average total loans | $479,200,330 | 881 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 4,057 |
| Cost of funding earning assets | 0.4978% | 4,111 |
| Net interest margin | 3.5174% | 3,626 |
| Noninterest income to average assets | 0.1624% | 6,290 |
| Noninterest expense to average assets | 2.0017% | 6,102 |
| Loan and lease loss provision to assets | 0.1228% | 2,695 |
| Net operating income to assets | 0.9650% | 2,374 |
| Return on assets (ROA) | 0.9650% | 2,510 |
| Pretax return on assets | 1.4379% | 1,747 |
| Return on Equity (ROE) | 10.1713% | 2,001 |
| Retained earnings to average equity (ytd only) | 10.1713% | 1,065 |
| Net charge-offs to loans | 0.0228% | 3,716 |
| Credit loss provision to net charge-offs | 666.6667% | 415 |
| Earnings coverage of net charge-offs (x) | 84.7037% | 444 |
| Efficiency ratio | 56.1877% | 6,044 |
| Assets per employee ($millions) | 6.4442% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 5,620 |
| Loan loss allowance to noncurrent loans | 201.8767% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 5,254 |
| Noncurrent loans to loans | 0.5437% | 5,084 |
| Net loans and leases to total assets | 81.8880% | 285 |
| Net loans and leases to deposits | 93.8924% | 670 |
| Net loans and leases to core deposits | 106.7685% | 616 |
| Total domestic deposits to total assets | 87.2147% | 2,823 |
| Equity capital to assets | 9.7105% | 4,549 |
| Core capital (leverage) ratio | 9.8741% | 3,565 |
| Tier 1 risk-based capital ratio | 11.4540% | 6,207 |
| Total risk-based capital ratio | 12.5478% | 6,250 |
| Memoranda: | ||
| Average total assets | $586,115,000 | 1,157 |
| Average earning assets | $566,548,500 | 1,090 |
| Average equity | $55,607,500 | 1,311 |
| Average total loans | $473,501,500 | 894 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 4,398 |
| Cost of funding earning assets | 0.6855% | 3,606 |
| Net interest margin | 3.5643% | 4,253 |
| Noninterest income to average assets | 0.2005% | 5,980 |
| Noninterest expense to average assets | 2.0357% | 6,264 |
| Loan and lease loss provision to assets | 0.1800% | 3,376 |
| Net operating income to assets | 0.9549% | 2,520 |
| Return on assets (ROA) | 0.9948% | 2,580 |
| Pretax return on assets | 1.4811% | 1,740 |
| Return on Equity (ROE) | 10.7041% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.7041% | 475 |
| Net charge-offs to loans | 0.3026% | 3,132 |
| Credit loss provision to net charge-offs | 75.4858% | 3,990 |
| Earnings coverage of net charge-offs (x) | 6.7167% | 2,762 |
| Efficiency ratio | 55.9677% | 6,060 |
| Assets per employee ($millions) | 6.5806% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,567 |
| Loan loss allowance to noncurrent loans | 183.3751% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 5,295 |
| Noncurrent loans to loans | 0.5979% | 5,025 |
| Net loans and leases to total assets | 77.9536% | 682 |
| Net loans and leases to deposits | 88.8802% | 1,179 |
| Net loans and leases to core deposits | 99.9688% | 1,030 |
| Total domestic deposits to total assets | 87.7064% | 2,411 |
| Equity capital to assets | 9.2691% | 5,183 |
| Core capital (leverage) ratio | 9.5097% | 4,090 |
| Tier 1 risk-based capital ratio | 11.4909% | 6,109 |
| Total risk-based capital ratio | 12.5844% | 6,167 |
| Memoranda: | ||
| Average total assets | $561,134,800 | 1,184 |
| Average earning assets | $541,054,600 | 1,118 |
| Average equity | $52,148,400 | 1,366 |
| Average total loans | $442,203,400 | 942 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 4,450 |
| Cost of funding earning assets | 0.6877% | 3,881 |
| Net interest margin | 3.6135% | 4,177 |
| Noninterest income to average assets | 0.2111% | 6,031 |
| Noninterest expense to average assets | 2.1160% | 6,134 |
| Loan and lease loss provision to assets | 0.1626% | 3,482 |
| Net operating income to assets | 0.9528% | 2,735 |
| Return on assets (ROA) | 1.0067% | 2,699 |
| Pretax return on assets | 1.4970% | 1,888 |
| Return on Equity (ROE) | 10.8247% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.8247% | 713 |
| Net charge-offs to loans | 0.3104% | 2,888 |
| Credit loss provision to net charge-offs | 66.5025% | 3,996 |
| Earnings coverage of net charge-offs (x) | 6.4571% | 2,787 |
| Efficiency ratio | 57.2640% | 5,887 |
| Assets per employee ($millions) | 6.3390% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,573 |
| Loan loss allowance to noncurrent loans | 140.4290% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 5,049 |
| Noncurrent loans to loans | 0.8097% | 4,791 |
| Net loans and leases to total assets | 79.5804% | 544 |
| Net loans and leases to deposits | 91.8877% | 983 |
| Net loans and leases to core deposits | 104.0375% | 864 |
| Total domestic deposits to total assets | 86.6062% | 2,919 |
| Equity capital to assets | 9.5953% | 5,069 |
| Core capital (leverage) ratio | 9.5626% | 4,175 |
| Tier 1 risk-based capital ratio | 11.6008% | 6,168 |
| Total risk-based capital ratio | 12.7442% | 6,198 |
| Memoranda: | ||
| Average total assets | $553,356,000 | 1,223 |
| Average earning assets | $533,537,250 | 1,147 |
| Average equity | $51,461,500 | 1,387 |
| Average total loans | $436,054,750 | 961 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 4,516 |
| Cost of funding earning assets | 0.7039% | 3,985 |
| Net interest margin | 3.6092% | 4,217 |
| Noninterest income to average assets | 0.1729% | 6,314 |
| Noninterest expense to average assets | 2.0338% | 6,365 |
| Loan and lease loss provision to assets | 0.1631% | 3,472 |
| Net operating income to assets | 0.9788% | 2,547 |
| Return on assets (ROA) | 0.9919% | 2,724 |
| Pretax return on assets | 1.4743% | 1,943 |
| Return on Equity (ROE) | 10.7813% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.7813% | 785 |
| Net charge-offs to loans | 0.3071% | 2,802 |
| Credit loss provision to net charge-offs | 67.8733% | 3,618 |
| Earnings coverage of net charge-offs (x) | 6.7330% | 2,589 |
| Efficiency ratio | 55.6967% | 6,149 |
| Assets per employee ($millions) | 6.4580% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 5,243 |
| Loan loss allowance to noncurrent loans | 131.8800% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 4,988 |
| Noncurrent loans to loans | 0.9283% | 4,652 |
| Net loans and leases to total assets | 76.9133% | 854 |
| Net loans and leases to deposits | 89.0461% | 1,249 |
| Net loans and leases to core deposits | 101.2749% | 1,021 |
| Total domestic deposits to total assets | 86.3747% | 3,151 |
| Equity capital to assets | 9.5102% | 5,042 |
| Core capital (leverage) ratio | 9.5061% | 4,133 |
| Tier 1 risk-based capital ratio | 11.8975% | 5,996 |
| Total risk-based capital ratio | 13.1317% | 5,977 |
| Memoranda: | ||
| Average total assets | $551,863,670 | 1,227 |
| Average earning assets | $531,916,330 | 1,153 |
| Average equity | $50,773,330 | 1,401 |
| Average total loans | $431,729,000 | 971 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3886% | 4,371 |
| Cost of funding earning assets | 0.7259% | 4,067 |
| Net interest margin | 3.6627% | 3,994 |
| Noninterest income to average assets | 0.1663% | 6,391 |
| Noninterest expense to average assets | 2.0566% | 6,366 |
| Loan and lease loss provision to assets | 0.1627% | 3,357 |
| Net operating income to assets | 0.9954% | 2,497 |
| Return on assets (ROA) | 0.9954% | 2,690 |
| Pretax return on assets | 1.4776% | 1,937 |
| Return on Equity (ROE) | 11.0032% | 2,016 |
| Retained earnings to average equity (ytd only) | 11.0032% | 1,023 |
| Net charge-offs to loans | 0.1678% | 3,081 |
| Credit loss provision to net charge-offs | 123.6264% | 1,934 |
| Earnings coverage of net charge-offs (x) | 12.4670% | 1,598 |
| Efficiency ratio | 55.6316% | 6,163 |
| Assets per employee ($millions) | 6.9016% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 5,121 |
| Loan loss allowance to noncurrent loans | 119.1706% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 4,837 |
| Noncurrent loans to loans | 1.0720% | 4,556 |
| Net loans and leases to total assets | 76.8231% | 716 |
| Net loans and leases to deposits | 88.7410% | 1,083 |
| Net loans and leases to core deposits | 102.4898% | 840 |
| Total domestic deposits to total assets | 86.5700% | 3,194 |
| Equity capital to assets | 9.1900% | 5,247 |
| Core capital (leverage) ratio | 9.2954% | 4,375 |
| Tier 1 risk-based capital ratio | 11.5162% | 6,273 |
| Total risk-based capital ratio | 12.7667% | 6,251 |
| Memoranda: | ||
| Average total assets | $553,332,500 | 1,229 |
| Average earning assets | $533,383,500 | 1,147 |
| Average equity | $50,058,000 | 1,410 |
| Average total loans | $433,878,500 | 961 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 4,911 |
| Cost of funding earning assets | 0.9185% | 3,970 |
| Net interest margin | 3.6228% | 4,641 |
| Noninterest income to average assets | 0.1680% | 6,284 |
| Noninterest expense to average assets | 2.0145% | 6,648 |
| Loan and lease loss provision to assets | 0.2078% | 4,106 |
| Net operating income to assets | 0.9688% | 2,327 |
| Return on assets (ROA) | 0.9691% | 2,457 |
| Pretax return on assets | 1.4365% | 1,664 |
| Return on Equity (ROE) | 10.9120% | 1,719 |
| Retained earnings to average equity (ytd only) | 9.6355% | 643 |
| Net charge-offs to loans | 0.2681% | 4,088 |
| Credit loss provision to net charge-offs | 100.2735% | 3,489 |
| Earnings coverage of net charge-offs (x) | 7.9316% | 2,238 |
| Efficiency ratio | 55.0638% | 6,410 |
| Assets per employee ($millions) | 7.2018% | 654 |
| Cash dividends to net income (ytd only)* | 11.6982% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 5,213 |
| Loan loss allowance to noncurrent loans | 114.5803% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9924% | 4,622 |
| Noncurrent loans to loans | 1.0849% | 4,543 |
| Net loans and leases to total assets | 78.0218% | 705 |
| Net loans and leases to deposits | 89.8133% | 1,184 |
| Net loans and leases to core deposits | 103.9735% | 905 |
| Total domestic deposits to total assets | 86.8711% | 2,834 |
| Equity capital to assets | 8.9039% | 5,671 |
| Core capital (leverage) ratio | 8.9663% | 4,840 |
| Tier 1 risk-based capital ratio | 11.0320% | 6,439 |
| Total risk-based capital ratio | 12.2822% | 6,422 |
| Memoranda: | ||
| Average total assets | $529,262,400 | 1,262 |
| Average earning assets | $509,940,000 | 1,183 |
| Average equity | $47,003,200 | 1,445 |
| Average total loans | $409,137,800 | 1,028 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 5,091 |
| Cost of funding earning assets | 0.9574% | 3,984 |
| Net interest margin | 3.5906% | 4,810 |
| Noninterest income to average assets | 0.1688% | 6,380 |
| Noninterest expense to average assets | 2.0341% | 6,622 |
| Loan and lease loss provision to assets | 0.2040% | 3,980 |
| Net operating income to assets | 0.9397% | 2,571 |
| Return on assets (ROA) | 0.9400% | 2,734 |
| Pretax return on assets | 1.3898% | 1,970 |
| Return on Equity (ROE) | 10.5923% | 1,998 |
| Retained earnings to average equity (ytd only) | 8.8686% | 1,192 |
| Net charge-offs to loans | 0.2754% | 3,708 |
| Credit loss provision to net charge-offs | 96.3855% | 3,561 |
| Earnings coverage of net charge-offs (x) | 7.5289% | 2,348 |
| Efficiency ratio | 56.0765% | 6,277 |
| Assets per employee ($millions) | 6.9469% | 756 |
| Cash dividends to net income (ytd only)* | 16.2734% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 5,069 |
| Loan loss allowance to noncurrent loans | 85.9343% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.3075% | 4,196 |
| Noncurrent loans to loans | 1.4972% | 4,048 |
| Net loans and leases to total assets | 76.6462% | 885 |
| Net loans and leases to deposits | 88.2426% | 1,408 |
| Net loans and leases to core deposits | 102.5355% | 1,067 |
| Total domestic deposits to total assets | 86.8585% | 2,737 |
| Equity capital to assets | 8.8450% | 5,929 |
| Core capital (leverage) ratio | 9.0209% | 4,893 |
| Tier 1 risk-based capital ratio | 11.0418% | 6,518 |
| Total risk-based capital ratio | 12.2923% | 6,504 |
| Memoranda: | ||
| Average total assets | $522,942,750 | 1,283 |
| Average earning assets | $503,716,000 | 1,201 |
| Average equity | $46,410,000 | 1,469 |
| Average total loans | $401,895,000 | 1,068 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 5,172 |
| Cost of funding earning assets | 0.9875% | 4,032 |
| Net interest margin | 3.5623% | 4,870 |
| Noninterest income to average assets | 0.1692% | 6,452 |
| Noninterest expense to average assets | 2.0777% | 6,637 |
| Loan and lease loss provision to assets | 0.1742% | 4,182 |
| Net operating income to assets | 0.9158% | 2,566 |
| Return on assets (ROA) | 0.9163% | 2,665 |
| Pretax return on assets | 1.3507% | 1,959 |
| Return on Equity (ROE) | 10.3128% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.3128% | 781 |
| Net charge-offs to loans | -0.0136% | 6,751 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6849% | 6,202 |
| Assets per employee ($millions) | 6.5591% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 4,294 |
| Loan loss allowance to noncurrent loans | 173.8620% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 5,265 |
| Noncurrent loans to loans | 0.8397% | 5,252 |
| Net loans and leases to total assets | 77.1138% | 898 |
| Net loans and leases to deposits | 89.1750% | 1,357 |
| Net loans and leases to core deposits | 104.9929% | 981 |
| Total domestic deposits to total assets | 86.4747% | 3,052 |
| Equity capital to assets | 9.0959% | 5,448 |
| Core capital (leverage) ratio | 9.1939% | 4,416 |
| Tier 1 risk-based capital ratio | 11.4253% | 6,229 |
| Total risk-based capital ratio | 12.6780% | 6,215 |
| Memoranda: | ||
| Average total assets | $516,638,670 | 1,303 |
| Average earning assets | $497,825,330 | 1,222 |
| Average equity | $45,904,330 | 1,473 |
| Average total loans | $395,618,670 | 1,095 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 5,278 |
| Cost of funding earning assets | 1.0101% | 4,134 |
| Net interest margin | 3.5065% | 4,982 |
| Noninterest income to average assets | 0.1737% | 6,488 |
| Noninterest expense to average assets | 2.0881% | 6,666 |
| Loan and lease loss provision to assets | 0.1745% | 3,875 |
| Net operating income to assets | 0.8746% | 2,685 |
| Return on assets (ROA) | 0.8746% | 2,739 |
| Pretax return on assets | 1.2918% | 2,068 |
| Return on Equity (ROE) | 9.9624% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.9624% | 1,122 |
| Net charge-offs to loans | -0.0082% | 6,316 |
| Credit loss provision to net charge-offs | -2,812.5000% | 6,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7478% | 6,167 |
| Assets per employee ($millions) | 6.9866% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 4,417 |
| Loan loss allowance to noncurrent loans | 270.8015% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5500% | 5,869 |
| Noncurrent loans to loans | 0.5374% | 5,953 |
| Net loans and leases to total assets | 73.3552% | 1,448 |
| Net loans and leases to deposits | 84.4764% | 1,954 |
| Net loans and leases to core deposits | 98.7227% | 1,451 |
| Total domestic deposits to total assets | 86.8351% | 3,030 |
| Equity capital to assets | 8.7516% | 5,571 |
| Core capital (leverage) ratio | 9.0497% | 4,533 |
| Tier 1 risk-based capital ratio | 11.4283% | 6,155 |
| Total risk-based capital ratio | 12.6810% | 6,139 |
| Memoranda: | ||
| Average total assets | $515,874,000 | 1,309 |
| Average earning assets | $497,361,500 | 1,238 |
| Average equity | $45,290,500 | 1,482 |
| Average total loans | $390,678,500 | 1,123 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 5,025 |
| Cost of funding earning assets | 1.2590% | 4,154 |
| Net interest margin | 3.6422% | 4,612 |
| Noninterest income to average assets | 0.1356% | 6,715 |
| Noninterest expense to average assets | 2.0242% | 6,979 |
| Loan and lease loss provision to assets | 0.3076% | 4,343 |
| Net operating income to assets | 0.8825% | 2,457 |
| Return on assets (ROA) | 0.8775% | 2,614 |
| Pretax return on assets | 1.2935% | 1,945 |
| Return on Equity (ROE) | 9.6920% | 2,038 |
| Retained earnings to average equity (ytd only) | 9.6920% | 571 |
| Net charge-offs to loans | 0.2743% | 4,652 |
| Credit loss provision to net charge-offs | 139.9614% | 2,704 |
| Earnings coverage of net charge-offs (x) | 7.3185% | 2,155 |
| Efficiency ratio | 55.7204% | 6,628 |
| Assets per employee ($millions) | 7.1515% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 4,561 |
| Loan loss allowance to noncurrent loans | 340.4003% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 6,045 |
| Noncurrent loans to loans | 0.4086% | 6,226 |
| Net loans and leases to total assets | 75.9937% | 1,275 |
| Net loans and leases to deposits | 87.6549% | 1,841 |
| Net loans and leases to core deposits | 102.8655% | 1,396 |
| Total domestic deposits to total assets | 86.6965% | 2,982 |
| Equity capital to assets | 8.8080% | 5,419 |
| Core capital (leverage) ratio | 8.9024% | 4,693 |
| Tier 1 risk-based capital ratio | 11.2885% | 6,100 |
| Total risk-based capital ratio | 12.5404% | 6,082 |
| Memoranda: | ||
| Average total assets | $471,339,800 | 1,419 |
| Average earning assets | $452,582,800 | 1,348 |
| Average equity | $42,674,200 | 1,555 |
| Average total loans | $377,680,200 | 1,200 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 4,987 |
| Cost of funding earning assets | 1.3088% | 4,161 |
| Net interest margin | 3.6526% | 4,623 |
| Noninterest income to average assets | 0.1465% | 6,813 |
| Noninterest expense to average assets | 2.0434% | 6,973 |
| Loan and lease loss provision to assets | 0.3317% | 3,947 |
| Net operating income to assets | 0.8633% | 2,771 |
| Return on assets (ROA) | 0.8564% | 2,922 |
| Pretax return on assets | 1.2622% | 2,291 |
| Return on Equity (ROE) | 9.3890% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.3890% | 935 |
| Net charge-offs to loans | 0.2180% | 4,634 |
| Credit loss provision to net charge-offs | 187.9085% | 1,917 |
| Earnings coverage of net charge-offs (x) | 9.0866% | 2,065 |
| Efficiency ratio | 56.0221% | 6,554 |
| Assets per employee ($millions) | 6.7485% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 4,180 |
| Loan loss allowance to noncurrent loans | 195.2648% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 5,509 |
| Noncurrent loans to loans | 0.7454% | 5,716 |
| Net loans and leases to total assets | 78.6691% | 933 |
| Net loans and leases to deposits | 91.4083% | 1,522 |
| Net loans and leases to core deposits | 108.1000% | 1,159 |
| Total domestic deposits to total assets | 86.0634% | 3,043 |
| Equity capital to assets | 9.1236% | 5,413 |
| Core capital (leverage) ratio | 9.1921% | 4,384 |
| Tier 1 risk-based capital ratio | 11.1679% | 6,223 |
| Total risk-based capital ratio | 12.4207% | 6,215 |
| Memoranda: | ||
| Average total assets | $462,236,000 | 1,466 |
| Average earning assets | $443,028,750 | 1,388 |
| Average equity | $42,162,000 | 1,571 |
| Average total loans | $374,274,000 | 1,219 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 5,071 |
| Cost of funding earning assets | 1.3292% | 4,344 |
| Net interest margin | 3.6429% | 4,616 |
| Noninterest income to average assets | 0.1612% | 6,741 |
| Noninterest expense to average assets | 2.0613% | 6,995 |
| Loan and lease loss provision to assets | 0.3723% | 3,476 |
| Net operating income to assets | 0.8261% | 2,839 |
| Return on assets (ROA) | 0.8261% | 2,993 |
| Pretax return on assets | 1.2151% | 2,363 |
| Return on Equity (ROE) | 9.0577% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.0577% | 1,083 |
| Net charge-offs to loans | 0.1513% | 4,729 |
| Credit loss provision to net charge-offs | 302.4911% | 1,210 |
| Earnings coverage of net charge-offs (x) | 12.8968% | 1,632 |
| Efficiency ratio | 56.4946% | 6,575 |
| Assets per employee ($millions) | 6.6064% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 3,923 |
| Loan loss allowance to noncurrent loans | 163.5885% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 5,244 |
| Noncurrent loans to loans | 0.9187% | 5,442 |
| Net loans and leases to total assets | 78.2209% | 1,075 |
| Net loans and leases to deposits | 91.4351% | 1,626 |
| Net loans and leases to core deposits | 109.8570% | 1,169 |
| Total domestic deposits to total assets | 85.5481% | 3,345 |
| Equity capital to assets | 9.0741% | 5,332 |
| Core capital (leverage) ratio | 9.2334% | 4,243 |
| Tier 1 risk-based capital ratio | 11.2626% | 5,983 |
| Total risk-based capital ratio | 12.5160% | 5,965 |
| Memoranda: | ||
| Average total assets | $456,601,330 | 1,495 |
| Average earning assets | $437,119,330 | 1,418 |
| Average equity | $41,644,330 | 1,581 |
| Average total loans | $371,531,330 | 1,236 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 4,953 |
| Cost of funding earning assets | 1.3521% | 4,478 |
| Net interest margin | 3.6618% | 4,429 |
| Noninterest income to average assets | 0.1563% | 6,852 |
| Noninterest expense to average assets | 2.0712% | 7,012 |
| Loan and lease loss provision to assets | 0.4885% | 2,546 |
| Net operating income to assets | 0.7452% | 3,235 |
| Return on assets (ROA) | 0.7452% | 3,339 |
| Pretax return on assets | 1.1013% | 2,725 |
| Return on Equity (ROE) | 8.1485% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.1485% | 1,646 |
| Net charge-offs to loans | 0.2426% | 3,488 |
| Credit loss provision to net charge-offs | 244.4444% | 1,574 |
| Earnings coverage of net charge-offs (x) | 7.9556% | 2,012 |
| Efficiency ratio | 56.5745% | 6,686 |
| Assets per employee ($millions) | 6.6961% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 4,183 |
| Loan loss allowance to noncurrent loans | 161.7523% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 5,270 |
| Noncurrent loans to loans | 0.8939% | 5,533 |
| Net loans and leases to total assets | 81.3383% | 668 |
| Net loans and leases to deposits | 94.8891% | 1,247 |
| Net loans and leases to core deposits | 117.8710% | 872 |
| Total domestic deposits to total assets | 85.7193% | 3,299 |
| Equity capital to assets | 9.2711% | 4,878 |
| Core capital (leverage) ratio | 9.2546% | 4,130 |
| Tier 1 risk-based capital ratio | 11.0874% | 6,074 |
| Total risk-based capital ratio | 12.3402% | 6,040 |
| Memoranda: | ||
| Average total assets | $450,376,500 | 1,556 |
| Average earning assets | $431,043,500 | 1,480 |
| Average equity | $41,185,500 | 1,621 |
| Average total loans | $371,050,000 | 1,280 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0835% | 6,153 |
| Cost of funding earning assets | 1.6891% | 4,573 |
| Net interest margin | 3.3944% | 5,388 |
| Noninterest income to average assets | 0.1120% | 7,198 |
| Noninterest expense to average assets | 2.0191% | 7,342 |
| Loan and lease loss provision to assets | 0.3436% | 4,734 |
| Net operating income to assets | 0.6705% | 3,055 |
| Return on assets (ROA) | 0.6705% | 3,111 |
| Pretax return on assets | 1.0013% | 2,588 |
| Return on Equity (ROE) | 8.1618% | 2,304 |
| Retained earnings to average equity (ytd only) | 8.1618% | 661 |
| Net charge-offs to loans | 0.2763% | 4,901 |
| Credit loss provision to net charge-offs | 155.6017% | 2,916 |
| Earnings coverage of net charge-offs (x) | 6.0902% | 2,439 |
| Efficiency ratio | 60.0204% | 6,492 |
| Assets per employee ($millions) | 6.9556% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 4,464 |
| Loan loss allowance to noncurrent loans | 155.9380% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 5,268 |
| Noncurrent loans to loans | 0.8673% | 5,561 |
| Net loans and leases to total assets | 81.1303% | 819 |
| Net loans and leases to deposits | 95.0791% | 1,447 |
| Net loans and leases to core deposits | 125.9439% | 1,517 |
| Total domestic deposits to total assets | 85.3293% | 3,395 |
| Equity capital to assets | 9.0192% | 5,119 |
| Core capital (leverage) ratio | 8.9977% | 4,425 |
| Tier 1 risk-based capital ratio | 10.9611% | 5,952 |
| Total risk-based capital ratio | 12.2131% | 5,920 |
| Memoranda: | ||
| Average total assets | $436,524,000 | 1,588 |
| Average earning assets | $418,214,600 | 1,514 |
| Average equity | $35,862,000 | 1,880 |
| Average total loans | $348,862,800 | 1,387 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0286% | 6,517 |
| Cost of funding earning assets | 1.7644% | 4,561 |
| Net interest margin | 3.2642% | 5,780 |
| Noninterest income to average assets | 0.0952% | 7,430 |
| Noninterest expense to average assets | 2.0260% | 7,335 |
| Loan and lease loss provision to assets | 0.2465% | 4,978 |
| Net operating income to assets | 0.6346% | 3,479 |
| Return on assets (ROA) | 0.6346% | 3,547 |
| Pretax return on assets | 0.9517% | 3,054 |
| Return on Equity (ROE) | 7.9267% | 2,672 |
| Retained earnings to average equity (ytd only) | 7.9267% | 1,158 |
| Net charge-offs to loans | -0.0144% | 7,724 |
| Credit loss provision to net charge-offs | -2,162.1622% | 7,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8369% | 5,960 |
| Assets per employee ($millions) | 6.6431% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 3,356 |
| Loan loss allowance to noncurrent loans | 165.7338% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 5,193 |
| Noncurrent loans to loans | 0.9134% | 5,465 |
| Net loans and leases to total assets | 79.0885% | 1,369 |
| Net loans and leases to deposits | 92.3430% | 2,180 |
| Net loans and leases to core deposits | 120.8902% | 2,170 |
| Total domestic deposits to total assets | 85.6465% | 2,893 |
| Equity capital to assets | 8.4214% | 6,358 |
| Core capital (leverage) ratio | 8.3492% | 5,751 |
| Tier 1 risk-based capital ratio | 10.3887% | 6,585 |
| Total risk-based capital ratio | 11.6423% | 6,519 |
| Memoranda: | ||
| Average total assets | $432,627,250 | 1,615 |
| Average earning assets | $414,713,250 | 1,536 |
| Average equity | $34,633,250 | 1,959 |
| Average total loans | $343,121,500 | 1,425 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0125% | 6,727 |
| Cost of funding earning assets | 1.8253% | 4,636 |
| Net interest margin | 3.1872% | 5,962 |
| Noninterest income to average assets | 0.1110% | 7,429 |
| Noninterest expense to average assets | 2.0632% | 7,349 |
| Loan and lease loss provision to assets | 0.1625% | 5,440 |
| Net operating income to assets | 0.6209% | 3,583 |
| Return on assets (ROA) | 0.6209% | 3,697 |
| Pretax return on assets | 0.9348% | 3,228 |
| Return on Equity (ROE) | 7.8949% | 2,818 |
| Retained earnings to average equity (ytd only) | 7.8949% | 1,247 |
| Net charge-offs to loans | -0.0176% | 7,674 |
| Credit loss provision to net charge-offs | -1,166.6667% | 7,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2806% | 5,661 |
| Assets per employee ($millions) | 6.8668% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 3,555 |
| Loan loss allowance to noncurrent loans | 262.8371% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 5,790 |
| Noncurrent loans to loans | 0.5451% | 6,178 |
| Net loans and leases to total assets | 76.2793% | 2,118 |
| Net loans and leases to deposits | 88.4252% | 3,104 |
| Net loans and leases to core deposits | 114.7846% | 2,829 |
| Total domestic deposits to total assets | 86.2642% | 2,646 |
| Equity capital to assets | 8.2303% | 6,443 |
| Core capital (leverage) ratio | 8.2323% | 5,917 |
| Tier 1 risk-based capital ratio | 10.5342% | 6,344 |
| Total risk-based capital ratio | 11.7870% | 6,297 |
| Memoranda: | ||
| Average total assets | $430,688,330 | 1,640 |
| Average earning assets | $412,089,330 | 1,576 |
| Average equity | $33,870,000 | 2,003 |
| Average total loans | $340,132,330 | 1,469 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 6,763 |
| Cost of funding earning assets | 1.8773% | 4,753 |
| Net interest margin | 3.1831% | 5,911 |
| Noninterest income to average assets | 0.1520% | 7,213 |
| Noninterest expense to average assets | 2.0080% | 7,334 |
| Loan and lease loss provision to assets | 0.2111% | 4,337 |
| Net operating income to assets | 0.6465% | 3,811 |
| Return on assets (ROA) | 0.6465% | 3,993 |
| Pretax return on assets | 0.9749% | 3,445 |
| Return on Equity (ROE) | 8.4230% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.4230% | 1,653 |
| Net charge-offs to loans | -0.0223% | 7,466 |
| Credit loss provision to net charge-offs | -1,184.2105% | 6,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8672% | 5,904 |
| Assets per employee ($millions) | 6.9156% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 3,476 |
| Loan loss allowance to noncurrent loans | 239.9696% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7056% | 5,388 |
| Noncurrent loans to loans | 0.5851% | 5,933 |
| Net loans and leases to total assets | 76.3501% | 2,195 |
| Net loans and leases to deposits | 88.4887% | 3,200 |
| Net loans and leases to core deposits | 112.6499% | 3,151 |
| Total domestic deposits to total assets | 86.2823% | 2,566 |
| Equity capital to assets | 8.1594% | 6,587 |
| Core capital (leverage) ratio | 8.5338% | 5,465 |
| Tier 1 risk-based capital ratio | 10.1475% | 6,760 |
| Total risk-based capital ratio | 11.3974% | 6,671 |
| Memoranda: | ||
| Average total assets | $426,296,500 | 1,671 |
| Average earning assets | $407,404,000 | 1,599 |
| Average equity | $32,720,000 | 2,070 |
| Average total loans | $340,149,000 | 1,478 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8679% | 6,191 |
| Cost of funding earning assets | 2.5714% | 3,843 |
| Net interest margin | 3.2965% | 6,050 |
| Noninterest income to average assets | 0.1576% | 7,300 |
| Noninterest expense to average assets | 1.9545% | 7,530 |
| Loan and lease loss provision to assets | 0.3086% | 3,900 |
| Net operating income to assets | 0.6632% | 4,048 |
| Return on assets (ROA) | 0.6797% | 3,822 |
| Pretax return on assets | 1.0229% | 3,297 |
| Return on Equity (ROE) | 9.3415% | 2,501 |
| Retained earnings to average equity (ytd only) | 9.3415% | 546 |
| Net charge-offs to loans | 0.1503% | 4,702 |
| Credit loss provision to net charge-offs | 246.3312% | 1,893 |
| Earnings coverage of net charge-offs (x) | 10.4298% | 2,513 |
| Efficiency ratio | 59.9340% | 6,351 |
| Assets per employee ($millions) | 6.8346% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 3,706 |
| Loan loss allowance to noncurrent loans | 190.9477% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 4,778 |
| Noncurrent loans to loans | 0.6862% | 5,323 |
| Net loans and leases to total assets | 81.1743% | 1,399 |
| Net loans and leases to deposits | 95.6359% | 2,501 |
| Net loans and leases to core deposits | 124.6507% | 2,278 |
| Total domestic deposits to total assets | 84.8785% | 2,898 |
| Equity capital to assets | 7.1697% | 7,643 |
| Core capital (leverage) ratio | 7.3471% | 7,366 |
| Tier 1 risk-based capital ratio | 8.6292% | 7,959 |
| Total risk-based capital ratio | 11.3349% | 6,516 |
| Memoranda: | ||
| Average total assets | $380,766,600 | 1,775 |
| Average earning assets | $358,475,200 | 1,731 |
| Average equity | $27,704,200 | 2,424 |
| Average total loans | $317,445,800 | 1,525 |