Home > Veritex Community Bank > Performance and Condition Ratios
Veritex Community 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 | 6.4118% | 383 |
| Cost of funding earning assets | 2.7825% | 218 |
| Net interest margin | 3.6293% | 1,904 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.8486% | 3,920 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | 0.9992% | 2,227 |
| Return on assets (ROA) | 0.9659% | 2,306 |
| Pretax return on assets | 1.2812% | 1,924 |
| Return on Equity (ROE) | 7.0600% | 3,265 |
| Retained earnings to average equity (ytd only) | 3.5175% | 3,115 |
| Net charge-offs to loans | 0.2460% | 432 |
| Credit loss provision to net charge-offs | 179.0130% | 1,323 |
| Earnings coverage of net charge-offs (x) | 8.6061% | 2,333 |
| Efficiency ratio | 50.5677% | 3,941 |
| Assets per employee ($millions) | 15.1029% | 208 |
| Cash dividends to net income (ytd only)* | 50.1475% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 2,620 |
| Loan loss allowance to noncurrent loans | 113.7990% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 660 |
| Noncurrent loans to loans | 0.9986% | 740 |
| Net loans and leases to total assets | 77.1400% | 959 |
| Net loans and leases to deposits | 92.1789% | 1,076 |
| Net loans and leases to core deposits | 136.0905% | 314 |
| Total domestic deposits to total assets | 83.6900% | 2,709 |
| Equity capital to assets | 13.9478% | 692 |
| Core capital (leverage) ratio | 11.4303% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9019% | 2,270 |
| Memoranda: | ||
| Average total assets | $12,386,493,800 | 141 |
| Average earning assets | $11,335,263,200 | 138 |
| Average equity | $1,695,731,800 | 106 |
| Average total loans | $9,655,404,200 | 128 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3502% | 356 |
| Cost of funding earning assets | 2.6670% | 206 |
| Net interest margin | 3.6831% | 1,812 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.8303% | 3,925 |
| Loan and lease loss provision to assets | 0.3500% | 251 |
| Net operating income to assets | 1.2648% | 1,619 |
| Return on assets (ROA) | 1.2167% | 1,735 |
| Pretax return on assets | 1.5635% | 1,428 |
| Return on Equity (ROE) | 8.9300% | 2,949 |
| Retained earnings to average equity (ytd only) | 5.7699% | 2,699 |
| Net charge-offs to loans | 0.1966% | 447 |
| Credit loss provision to net charge-offs | 231.9399% | 1,030 |
| Earnings coverage of net charge-offs (x) | 12.8847% | 2,051 |
| Efficiency ratio | 46.0183% | 4,135 |
| Assets per employee ($millions) | 15.5376% | 176 |
| Cash dividends to net income (ytd only)* | 35.3854% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 2,696 |
| Loan loss allowance to noncurrent loans | 136.7469% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 878 |
| Noncurrent loans to loans | 0.8306% | 993 |
| Net loans and leases to total assets | 77.4900% | 949 |
| Net loans and leases to deposits | 93.5399% | 938 |
| Net loans and leases to core deposits | 135.3619% | 274 |
| Total domestic deposits to total assets | 82.8400% | 3,043 |
| Equity capital to assets | 13.7259% | 690 |
| Core capital (leverage) ratio | 11.5578% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7299% | 2,374 |
| Memoranda: | ||
| Average total assets | $12,387,021,750 | 140 |
| Average earning assets | $11,321,408,000 | 139 |
| Average equity | $1,687,828,250 | 107 |
| Average total loans | $9,653,402,250 | 129 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2146% | 344 |
| Cost of funding earning assets | 2.5032% | 193 |
| Net interest margin | 3.7114% | 1,796 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 1.7992% | 4,000 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 1.3208% | 1,509 |
| Return on assets (ROA) | 1.2526% | 1,680 |
| Pretax return on assets | 1.6107% | 1,388 |
| Return on Equity (ROE) | 9.2200% | 2,924 |
| Retained earnings to average equity (ytd only) | 6.8427% | 2,342 |
| Net charge-offs to loans | 0.2571% | 324 |
| Credit loss provision to net charge-offs | 189.4856% | 1,076 |
| Earnings coverage of net charge-offs (x) | 10.4822% | 1,991 |
| Efficiency ratio | 44.1339% | 4,248 |
| Assets per employee ($millions) | 15.6162% | 172 |
| Cash dividends to net income (ytd only)* | 25.7453% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,184 |
| Loan loss allowance to noncurrent loans | 147.8314% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 975 |
| Noncurrent loans to loans | 0.7107% | 1,050 |
| Net loans and leases to total assets | 77.2100% | 918 |
| Net loans and leases to deposits | 104.0176% | 368 |
| Net loans and leases to core deposits | 148.2473% | 152 |
| Total domestic deposits to total assets | 74.2200% | 4,181 |
| Equity capital to assets | 13.6391% | 692 |
| Core capital (leverage) ratio | 11.2956% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3484% | 2,521 |
| Memoranda: | ||
| Average total assets | $12,403,757,333 | 137 |
| Average earning assets | $11,332,048,000 | 136 |
| Average equity | $1,685,993,000 | 105 |
| Average total loans | $9,648,027,333 | 125 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0014% | 312 |
| Cost of funding earning assets | 2.2365% | 177 |
| Net interest margin | 3.7649% | 1,758 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 1.7948% | 4,035 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | 1.4617% | 1,259 |
| Return on assets (ROA) | 1.3290% | 1,564 |
| Pretax return on assets | 1.7082% | 1,257 |
| Return on Equity (ROE) | 9.7900% | 2,854 |
| Retained earnings to average equity (ytd only) | 9.7944% | 1,746 |
| Net charge-offs to loans | 0.0357% | 1,017 |
| Credit loss provision to net charge-offs | 990.6760% | 363 |
| Earnings coverage of net charge-offs (x) | 80.3310% | 891 |
| Efficiency ratio | 42.6118% | 4,363 |
| Assets per employee ($millions) | 16.1555% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,458 |
| Loan loss allowance to noncurrent loans | 214.6408% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 1,411 |
| Noncurrent loans to loans | 0.4732% | 1,532 |
| Net loans and leases to total assets | 76.3300% | 944 |
| Net loans and leases to deposits | 106.3261% | 245 |
| Net loans and leases to core deposits | 153.1005% | 115 |
| Total domestic deposits to total assets | 71.7900% | 4,365 |
| Equity capital to assets | 13.5590% | 661 |
| Core capital (leverage) ratio | 11.2361% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8922% | 2,759 |
| Memoranda: | ||
| Average total assets | $12,374,789,500 | 141 |
| Average earning assets | $11,305,222,000 | 139 |
| Average equity | $1,679,158,000 | 108 |
| Average total loans | $9,610,384,000 | 127 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 779 |
| Cost of funding earning assets | 0.7306% | 506 |
| Net interest margin | 3.7301% | 1,303 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.8007% | 4,030 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.4210% | 1,072 |
| Return on assets (ROA) | 1.4123% | 1,063 |
| Pretax return on assets | 1.8005% | 735 |
| Return on Equity (ROE) | 9.7200% | 2,896 |
| Retained earnings to average equity (ytd only) | 7.5429% | 2,007 |
| Net charge-offs to loans | 0.1616% | 512 |
| Credit loss provision to net charge-offs | 197.4070% | 1,135 |
| Earnings coverage of net charge-offs (x) | 16.7240% | 1,969 |
| Efficiency ratio | 44.2797% | 4,420 |
| Assets per employee ($millions) | 15.8594% | 170 |
| Cash dividends to net income (ytd only)* | 22.3857% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 3,575 |
| Loan loss allowance to noncurrent loans | 199.3650% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 1,361 |
| Noncurrent loans to loans | 0.4806% | 1,498 |
| Net loans and leases to total assets | 77.4800% | 847 |
| Net loans and leases to deposits | 102.9568% | 338 |
| Net loans and leases to core deposits | 134.6919% | 188 |
| Total domestic deposits to total assets | 75.2500% | 4,298 |
| Equity capital to assets | 13.5798% | 619 |
| Core capital (leverage) ratio | 11.3205% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4064% | 2,890 |
| Memoranda: | ||
| Average total assets | $11,070,729,800 | 152 |
| Average earning assets | $10,073,887,400 | 150 |
| Average equity | $1,608,801,800 | 117 |
| Average total loans | $8,448,239,200 | 140 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 1,198 |
| Cost of funding earning assets | 0.4131% | 1,202 |
| Net interest margin | 3.6207% | 1,349 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 1.7650% | 4,042 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.4167% | 1,040 |
| Return on assets (ROA) | 1.4042% | 1,051 |
| Pretax return on assets | 1.7794% | 767 |
| Return on Equity (ROE) | 9.4900% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.0284% | 1,988 |
| Net charge-offs to loans | 0.1282% | 500 |
| Credit loss provision to net charge-offs | 192.5766% | 996 |
| Earnings coverage of net charge-offs (x) | 20.5824% | 1,701 |
| Efficiency ratio | 44.4407% | 4,448 |
| Assets per employee ($millions) | 15.1404% | 199 |
| Cash dividends to net income (ytd only)* | 15.3835% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 3,746 |
| Loan loss allowance to noncurrent loans | 253.2370% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 1,806 |
| Noncurrent loans to loans | 0.3709% | 1,911 |
| Net loans and leases to total assets | 76.6400% | 847 |
| Net loans and leases to deposits | 102.2975% | 295 |
| Net loans and leases to core deposits | 129.4545% | 152 |
| Total domestic deposits to total assets | 74.9200% | 4,415 |
| Equity capital to assets | 13.8136% | 583 |
| Core capital (leverage) ratio | 11.3832% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4944% | 2,949 |
| Memoranda: | ||
| Average total assets | $10,801,343,500 | 154 |
| Average earning assets | $9,822,354,750 | 152 |
| Average equity | $1,598,575,000 | 121 |
| Average total loans | $8,184,476,000 | 141 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6462% | 1,697 |
| Cost of funding earning assets | 0.2321% | 2,475 |
| Net interest margin | 3.4141% | 1,557 |
| Noninterest income to average assets | 0.4815% | 2,302 |
| Noninterest expense to average assets | 1.7686% | 4,020 |
| Loan and lease loss provision to assets | 0.1713% | 526 |
| Net operating income to assets | 1.3075% | 1,118 |
| Return on assets (ROA) | 1.2946% | 1,133 |
| Pretax return on assets | 1.6278% | 887 |
| Return on Equity (ROE) | 8.5364% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.5364% | 1,422 |
| Net charge-offs to loans | 0.1438% | 451 |
| Credit loss provision to net charge-offs | 149.7006% | 1,095 |
| Earnings coverage of net charge-offs (x) | 16.7848% | 1,616 |
| Efficiency ratio | 46.6978% | 4,416 |
| Assets per employee ($millions) | 14.8666% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 3,831 |
| Loan loss allowance to noncurrent loans | 164.2531% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 1,280 |
| Noncurrent loans to loans | 0.5726% | 1,473 |
| Net loans and leases to total assets | 75.1069% | 812 |
| Net loans and leases to deposits | 99.4337% | 295 |
| Net loans and leases to core deposits | 119.9687% | 196 |
| Total domestic deposits to total assets | 75.5346% | 4,481 |
| Equity capital to assets | 14.5004% | 464 |
| Core capital (leverage) ratio | 11.8876% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7846% | 2,867 |
| Memoranda: | ||
| Average total assets | $10,500,627,333 | 153 |
| Average earning assets | $9,541,713,667 | 154 |
| Average equity | $1,592,541,000 | 121 |
| Average total loans | $7,894,400,333 | 140 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5090% | 1,783 |
| Cost of funding earning assets | 0.2043% | 2,742 |
| Net interest margin | 3.3047% | 1,555 |
| Noninterest income to average assets | 0.5983% | 1,704 |
| Noninterest expense to average assets | 1.8114% | 3,913 |
| Loan and lease loss provision to assets | -0.0003% | 4,387 |
| Net operating income to assets | 1.4347% | 737 |
| Return on assets (ROA) | 1.4194% | 755 |
| Pretax return on assets | 1.7652% | 593 |
| Return on Equity (ROE) | 9.1349% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.1349% | 1,235 |
| Net charge-offs to loans | 0.2524% | 250 |
| Credit loss provision to net charge-offs | -10.4844% | 2,755 |
| Earnings coverage of net charge-offs (x) | 9.4477% | 1,486 |
| Efficiency ratio | 47.6311% | 4,422 |
| Assets per employee ($millions) | 14.4126% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,923 |
| Loan loss allowance to noncurrent loans | 138.1825% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 1,173 |
| Noncurrent loans to loans | 0.6808% | 1,394 |
| Net loans and leases to total assets | 73.0496% | 732 |
| Net loans and leases to deposits | 96.3397% | 269 |
| Net loans and leases to core deposits | 109.2765% | 277 |
| Total domestic deposits to total assets | 75.8250% | 4,510 |
| Equity capital to assets | 15.7331% | 337 |
| Core capital (leverage) ratio | 12.4063% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4217% | 2,799 |
| Memoranda: | ||
| Average total assets | $10,101,619,500 | 158 |
| Average earning assets | $9,161,687,500 | 158 |
| Average equity | $1,569,635,500 | 127 |
| Average total loans | $7,558,284,500 | 145 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 2,026 |
| Cost of funding earning assets | 0.2745% | 2,654 |
| Net interest margin | 3.4580% | 1,859 |
| Noninterest income to average assets | 0.6080% | 2,122 |
| Noninterest expense to average assets | 1.7540% | 4,219 |
| Loan and lease loss provision to assets | -0.0517% | 4,361 |
| Net operating income to assets | 1.6179% | 762 |
| Return on assets (ROA) | 1.6134% | 808 |
| Pretax return on assets | 2.0382% | 565 |
| Return on Equity (ROE) | 10.6561% | 2,289 |
| Retained earnings to average equity (ytd only) | 10.0594% | 906 |
| Net charge-offs to loans | 0.3356% | 253 |
| Credit loss provision to net charge-offs | -13.9652% | 3,174 |
| Earnings coverage of net charge-offs (x) | 7.7612% | 2,333 |
| Efficiency ratio | 43.9469% | 4,577 |
| Assets per employee ($millions) | 14.0752% | 239 |
| Cash dividends to net income (ytd only)* | 5.5994% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,576 |
| Loan loss allowance to noncurrent loans | 131.1927% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 1,083 |
| Noncurrent loans to loans | 0.7997% | 1,277 |
| Net loans and leases to total assets | 75.1815% | 573 |
| Net loans and leases to deposits | 98.9845% | 216 |
| Net loans and leases to core deposits | 114.8138% | 219 |
| Total domestic deposits to total assets | 75.9527% | 4,511 |
| Equity capital to assets | 15.3299% | 454 |
| Core capital (leverage) ratio | 10.6878% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1092% | 3,034 |
| Memoranda: | ||
| Average total assets | $9,342,536,400 | 169 |
| Average earning assets | $8,478,426,600 | 166 |
| Average equity | $1,414,497,600 | 139 |
| Average total loans | $7,145,366,600 | 154 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6803% | 2,330 |
| Cost of funding earning assets | 0.2883% | 2,703 |
| Net interest margin | 3.3920% | 2,178 |
| Noninterest income to average assets | 0.5948% | 2,236 |
| Noninterest expense to average assets | 1.7294% | 4,283 |
| Loan and lease loss provision to assets | -0.0064% | 4,308 |
| Net operating income to assets | 1.5424% | 1,167 |
| Return on assets (ROA) | 1.5376% | 1,220 |
| Pretax return on assets | 1.9455% | 877 |
| Return on Equity (ROE) | 10.1890% | 2,667 |
| Retained earnings to average equity (ytd only) | 9.3820% | 1,539 |
| Net charge-offs to loans | 0.2131% | 389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 11.9158% | 1,977 |
| Efficiency ratio | 44.0931% | 4,582 |
| Assets per employee ($millions) | 14.2132% | 233 |
| Cash dividends to net income (ytd only)* | 7.9210% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,634 |
| Loan loss allowance to noncurrent loans | 107.8485% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 757 |
| Noncurrent loans to loans | 1.1772% | 944 |
| Net loans and leases to total assets | 76.2316% | 536 |
| Net loans and leases to deposits | 100.2685% | 222 |
| Net loans and leases to core deposits | 116.9167% | 216 |
| Total domestic deposits to total assets | 76.0275% | 4,540 |
| Equity capital to assets | 15.2002% | 512 |
| Core capital (leverage) ratio | 11.1166% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3447% | 3,057 |
| Memoranda: | ||
| Average total assets | $9,239,645,750 | 173 |
| Average earning assets | $8,389,319,000 | 169 |
| Average equity | $1,394,298,750 | 140 |
| Average total loans | $7,078,950,750 | 156 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 2,431 |
| Cost of funding earning assets | 0.3082% | 2,699 |
| Net interest margin | 3.3554% | 2,284 |
| Noninterest income to average assets | 0.5662% | 2,350 |
| Noninterest expense to average assets | 1.7396% | 4,303 |
| Loan and lease loss provision to assets | 0.0002% | 2,860 |
| Net operating income to assets | 1.4691% | 1,378 |
| Return on assets (ROA) | 1.4665% | 1,442 |
| Pretax return on assets | 1.8683% | 1,082 |
| Return on Equity (ROE) | 9.7431% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.5149% | 1,889 |
| Net charge-offs to loans | 0.1588% | 525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 15.4221% | 1,635 |
| Efficiency ratio | 45.1061% | 4,563 |
| Assets per employee ($millions) | 13.7201% | 249 |
| Cash dividends to net income (ytd only)* | 12.6055% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,996 |
| Loan loss allowance to noncurrent loans | 105.2752% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 716 |
| Noncurrent loans to loans | 1.3251% | 883 |
| Net loans and leases to total assets | 75.3040% | 653 |
| Net loans and leases to deposits | 99.1947% | 282 |
| Net loans and leases to core deposits | 111.8780% | 319 |
| Total domestic deposits to total assets | 75.9154% | 4,564 |
| Equity capital to assets | 15.1897% | 499 |
| Core capital (leverage) ratio | 10.6967% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5705% | 3,031 |
| Memoranda: | ||
| Average total assets | $9,131,036,667 | 172 |
| Average earning assets | $8,286,731,000 | 171 |
| Average equity | $1,374,408,667 | 141 |
| Average total loans | $6,976,705,000 | 158 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 2,358 |
| Cost of funding earning assets | 0.3354% | 2,662 |
| Net interest margin | 3.3649% | 2,206 |
| Noninterest income to average assets | 0.6169% | 2,139 |
| Noninterest expense to average assets | 1.7158% | 4,346 |
| Loan and lease loss provision to assets | -0.0253% | 4,609 |
| Net operating income to assets | 1.5405% | 1,236 |
| Return on assets (ROA) | 1.5334% | 1,318 |
| Pretax return on assets | 1.9651% | 1,004 |
| Return on Equity (ROE) | 10.2355% | 2,607 |
| Retained earnings to average equity (ytd only) | 7.7385% | 2,341 |
| Net charge-offs to loans | 0.0086% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 297.1014% | 296 |
| Efficiency ratio | 43.7514% | 4,595 |
| Assets per employee ($millions) | 13.9039% | 242 |
| Cash dividends to net income (ytd only)* | 24.3959% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 1,604 |
| Loan loss allowance to noncurrent loans | 81.0893% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.4270% | 468 |
| Noncurrent loans to loans | 1.8514% | 614 |
| Net loans and leases to total assets | 74.5737% | 767 |
| Net loans and leases to deposits | 97.9014% | 350 |
| Net loans and leases to core deposits | 110.8015% | 389 |
| Total domestic deposits to total assets | 76.1723% | 4,574 |
| Equity capital to assets | 14.8330% | 522 |
| Core capital (leverage) ratio | 10.7592% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,024,857,500 | 171 |
| Average earning assets | $8,174,419,500 | 171 |
| Average equity | $1,351,996,000 | 143 |
| Average total loans | $6,897,311,500 | 159 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 2,103 |
| Cost of funding earning assets | 0.6219% | 2,169 |
| Net interest margin | 3.5895% | 2,170 |
| Noninterest income to average assets | 0.4938% | 2,660 |
| Noninterest expense to average assets | 1.9356% | 4,256 |
| Loan and lease loss provision to assets | 0.6651% | 264 |
| Net operating income to assets | 0.9292% | 2,566 |
| Return on assets (ROA) | 0.9593% | 2,588 |
| Pretax return on assets | 1.1505% | 2,515 |
| Return on Equity (ROE) | 6.2948% | 3,488 |
| Retained earnings to average equity (ytd only) | 1.2863% | 4,113 |
| Net charge-offs to loans | 0.3175% | 560 |
| Credit loss provision to net charge-offs | 275.9293% | 1,820 |
| Earnings coverage of net charge-offs (x) | 7.3814% | 2,698 |
| Efficiency ratio | 48.6926% | 4,600 |
| Assets per employee ($millions) | 13.8641% | 218 |
| Cash dividends to net income (ytd only)* | 79.5652% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 1,449 |
| Loan loss allowance to noncurrent loans | 89.1101% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3639% | 578 |
| Noncurrent loans to loans | 1.7330% | 729 |
| Net loans and leases to total assets | 75.9829% | 791 |
| Net loans and leases to deposits | 100.8507% | 336 |
| Net loans and leases to core deposits | 113.2219% | 429 |
| Total domestic deposits to total assets | 75.3420% | 4,549 |
| Equity capital to assets | 15.1356% | 553 |
| Core capital (leverage) ratio | 10.7630% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $8,515,681,000 | 167 |
| Average earning assets | $7,641,520,800 | 167 |
| Average equity | $1,297,804,400 | 145 |
| Average total loans | $6,465,905,400 | 158 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 2,108 |
| Cost of funding earning assets | 0.6923% | 2,067 |
| Net interest margin | 3.6039% | 2,267 |
| Noninterest income to average assets | 0.5282% | 2,485 |
| Noninterest expense to average assets | 1.8549% | 4,403 |
| Loan and lease loss provision to assets | 0.8947% | 175 |
| Net operating income to assets | 0.8447% | 2,929 |
| Return on assets (ROA) | 0.8896% | 2,863 |
| Pretax return on assets | 1.0617% | 2,873 |
| Return on Equity (ROE) | 5.8268% | 3,609 |
| Retained earnings to average equity (ytd only) | -0.8986% | 4,605 |
| Net charge-offs to loans | 0.0840% | 1,466 |
| Credit loss provision to net charge-offs | 1,408.9552% | 646 |
| Earnings coverage of net charge-offs (x) | 29.9664% | 1,584 |
| Efficiency ratio | 45.8990% | 4,720 |
| Assets per employee ($millions) | 13.5252% | 226 |
| Cash dividends to net income (ytd only)* | 115.4222% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 723 |
| Loan loss allowance to noncurrent loans | 98.2522% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.4896% | 575 |
| Noncurrent loans to loans | 1.8324% | 716 |
| Net loans and leases to total assets | 76.2582% | 1,061 |
| Net loans and leases to deposits | 106.0732% | 322 |
| Net loans and leases to core deposits | 121.1868% | 390 |
| Total domestic deposits to total assets | 71.8920% | 4,684 |
| Equity capital to assets | 14.9256% | 654 |
| Core capital (leverage) ratio | 10.5676% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $8,440,215,250 | 167 |
| Average earning assets | $7,563,681,000 | 167 |
| Average equity | $1,288,609,250 | 145 |
| Average total loans | $6,381,153,750 | 161 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 2,080 |
| Cost of funding earning assets | 0.7880% | 1,886 |
| Net interest margin | 3.6602% | 2,295 |
| Noninterest income to average assets | 0.5824% | 2,197 |
| Noninterest expense to average assets | 1.9223% | 4,376 |
| Loan and lease loss provision to assets | 1.1478% | 154 |
| Net operating income to assets | 0.6949% | 3,402 |
| Return on assets (ROA) | 0.7600% | 3,296 |
| Pretax return on assets | 0.8621% | 3,424 |
| Return on Equity (ROE) | 4.9398% | 3,844 |
| Retained earnings to average equity (ytd only) | -2.0615% | 4,595 |
| Net charge-offs to loans | 0.0497% | 1,773 |
| Credit loss provision to net charge-offs | 3,085.4569% | 350 |
| Earnings coverage of net charge-offs (x) | 52.0386% | 1,074 |
| Efficiency ratio | 46.4792% | 4,701 |
| Assets per employee ($millions) | 13.3507% | 231 |
| Cash dividends to net income (ytd only)* | 141.7323% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 733 |
| Loan loss allowance to noncurrent loans | 108.5839% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.3275% | 769 |
| Noncurrent loans to loans | 1.6108% | 914 |
| Net loans and leases to total assets | 75.4909% | 1,208 |
| Net loans and leases to deposits | 105.4904% | 328 |
| Net loans and leases to core deposits | 120.2408% | 419 |
| Total domestic deposits to total assets | 71.5618% | 4,729 |
| Equity capital to assets | 14.9835% | 621 |
| Core capital (leverage) ratio | 10.2916% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $8,354,723,667 | 167 |
| Average earning assets | $7,477,254,667 | 168 |
| Average equity | $1,285,467,667 | 146 |
| Average total loans | $6,257,028,000 | 162 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 1,649 |
| Cost of funding earning assets | 0.9595% | 1,610 |
| Net interest margin | 3.7627% | 2,103 |
| Noninterest income to average assets | 0.3410% | 3,477 |
| Noninterest expense to average assets | 1.8706% | 4,576 |
| Loan and lease loss provision to assets | 1.5426% | 95 |
| Net operating income to assets | 0.3012% | 4,343 |
| Return on assets (ROA) | 0.2891% | 4,391 |
| Pretax return on assets | 0.2798% | 4,480 |
| Return on Equity (ROE) | 1.8539% | 4,474 |
| Retained earnings to average equity (ytd only) | -5.9277% | 4,586 |
| Net charge-offs to loans | -0.0155% | 4,231 |
| Credit loss provision to net charge-offs | -13,464.4068% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9556% | 4,797 |
| Assets per employee ($millions) | 13.0604% | 186 |
| Cash dividends to net income (ytd only)* | 419.7448% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 1,024 |
| Loan loss allowance to noncurrent loans | 90.2238% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.4029% | 798 |
| Noncurrent loans to loans | 1.7937% | 841 |
| Net loans and leases to total assets | 71.9825% | 1,920 |
| Net loans and leases to deposits | 105.6901% | 303 |
| Net loans and leases to core deposits | 126.1701% | 331 |
| Total domestic deposits to total assets | 68.1071% | 4,920 |
| Equity capital to assets | 15.0310% | 750 |
| Core capital (leverage) ratio | 10.8286% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $8,239,851,500 | 168 |
| Average earning assets | $7,366,637,500 | 168 |
| Average equity | $1,285,076,000 | 144 |
| Average total loans | $6,087,614,500 | 163 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0660% | 207 |
| Cost of funding earning assets | 1.4258% | 512 |
| Net interest margin | 4.6403% | 532 |
| Noninterest income to average assets | 0.4198% | 3,175 |
| Noninterest expense to average assets | 2.4115% | 3,656 |
| Loan and lease loss provision to assets | 0.3068% | 537 |
| Net operating income to assets | 1.4425% | 1,214 |
| Return on assets (ROA) | 1.4253% | 1,326 |
| Pretax return on assets | 1.8112% | 912 |
| Return on Equity (ROE) | 9.0064% | 2,755 |
| Retained earnings to average equity (ytd only) | 9.0064% | 708 |
| Net charge-offs to loans | 0.2087% | 988 |
| Credit loss provision to net charge-offs | 196.7444% | 1,349 |
| Earnings coverage of net charge-offs (x) | 13.7221% | 2,332 |
| Efficiency ratio | 49.5734% | 4,752 |
| Assets per employee ($millions) | 12.0474% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5027% | 4,888 |
| Loan loss allowance to noncurrent loans | 39.9021% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 1,227 |
| Noncurrent loans to loans | 1.2597% | 1,195 |
| Net loans and leases to total assets | 74.2703% | 1,709 |
| Net loans and leases to deposits | 99.4124% | 640 |
| Net loans and leases to core deposits | 116.4038% | 579 |
| Total domestic deposits to total assets | 74.7093% | 4,723 |
| Equity capital to assets | 16.2018% | 569 |
| Core capital (leverage) ratio | 11.0748% | 2,430 |
| Tier 1 risk-based capital ratio | 11.9981% | 4,367 |
| Total risk-based capital ratio | 12.4367% | 4,676 |
| Memoranda: | ||
| Average total assets | $7,012,358,800 | 174 |
| Average earning assets | $6,243,547,600 | 177 |
| Average equity | $1,109,758,600 | 150 |
| Average total loans | $5,238,868,600 | 170 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3525% | 138 |
| Cost of funding earning assets | 1.5205% | 385 |
| Net interest margin | 4.8320% | 391 |
| Noninterest income to average assets | 0.4793% | 2,857 |
| Noninterest expense to average assets | 2.6637% | 2,970 |
| Loan and lease loss provision to assets | 0.3545% | 378 |
| Net operating income to assets | 1.3783% | 1,537 |
| Return on assets (ROA) | 1.3563% | 1,688 |
| Pretax return on assets | 1.7278% | 1,256 |
| Return on Equity (ROE) | 8.6305% | 3,042 |
| Retained earnings to average equity (ytd only) | 1.5268% | 4,424 |
| Net charge-offs to loans | 0.2904% | 605 |
| Credit loss provision to net charge-offs | 163.3373% | 1,531 |
| Earnings coverage of net charge-offs (x) | 9.7222% | 2,553 |
| Efficiency ratio | 52.4226% | 4,562 |
| Assets per employee ($millions) | 12.0045% | 217 |
| Cash dividends to net income (ytd only)* | 82.3096% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4449% | 5,027 |
| Loan loss allowance to noncurrent loans | 61.5181% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 2,222 |
| Noncurrent loans to loans | 0.7232% | 2,157 |
| Net loans and leases to total assets | 73.7792% | 1,857 |
| Net loans and leases to deposits | 99.6525% | 664 |
| Net loans and leases to core deposits | 120.7945% | 508 |
| Total domestic deposits to total assets | 74.0365% | 4,814 |
| Equity capital to assets | 15.8348% | 666 |
| Core capital (leverage) ratio | 10.6370% | 2,985 |
| Tier 1 risk-based capital ratio | 11.6122% | 4,618 |
| Total risk-based capital ratio | 12.0036% | 4,912 |
| Memoranda: | ||
| Average total assets | $6,777,625,000 | 181 |
| Average earning assets | $6,023,822,250 | 182 |
| Average equity | $1,065,136,000 | 156 |
| Average total loans | $5,064,764,500 | 174 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7299% | 93 |
| Cost of funding earning assets | 1.5808% | 290 |
| Net interest margin | 5.1491% | 213 |
| Noninterest income to average assets | 0.4991% | 2,688 |
| Noninterest expense to average assets | 3.1710% | 1,565 |
| Loan and lease loss provision to assets | 0.2615% | 577 |
| Net operating income to assets | 1.3005% | 1,770 |
| Return on assets (ROA) | 1.2655% | 1,958 |
| Pretax return on assets | 1.6096% | 1,519 |
| Return on Equity (ROE) | 8.0781% | 3,261 |
| Retained earnings to average equity (ytd only) | 4.1285% | 3,183 |
| Net charge-offs to loans | 0.1207% | 1,231 |
| Credit loss provision to net charge-offs | 288.8235% | 931 |
| Earnings coverage of net charge-offs (x) | 21.1550% | 1,737 |
| Efficiency ratio | 58.9683% | 3,868 |
| Assets per employee ($millions) | 12.2345% | 189 |
| Cash dividends to net income (ytd only)* | 48.8934% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4161% | 5,093 |
| Loan loss allowance to noncurrent loans | 35.6461% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 1,583 |
| Noncurrent loans to loans | 1.1672% | 1,383 |
| Net loans and leases to total assets | 73.8079% | 1,924 |
| Net loans and leases to deposits | 95.6328% | 1,079 |
| Net loans and leases to core deposits | 117.4297% | 632 |
| Total domestic deposits to total assets | 77.1785% | 4,545 |
| Equity capital to assets | 15.7384% | 668 |
| Core capital (leverage) ratio | 10.8047% | 2,783 |
| Tier 1 risk-based capital ratio | 12.1593% | 4,322 |
| Total risk-based capital ratio | 12.5430% | 4,683 |
| Memoranda: | ||
| Average total assets | $6,383,839,000 | 189 |
| Average earning assets | $5,687,334,670 | 191 |
| Average equity | $1,000,084,330 | 166 |
| Average total loans | $4,786,913,000 | 185 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6586% | 54 |
| Cost of funding earning assets | 1.7062% | 156 |
| Net interest margin | 5.9523% | 73 |
| Noninterest income to average assets | 0.6648% | 1,751 |
| Noninterest expense to average assets | 4.4400% | 311 |
| Loan and lease loss provision to assets | 0.3600% | 326 |
| Net operating income to assets | 0.9294% | 3,122 |
| Return on assets (ROA) | 0.8856% | 3,344 |
| Pretax return on assets | 1.1246% | 3,074 |
| Return on Equity (ROE) | 5.6721% | 4,130 |
| Retained earnings to average equity (ytd only) | 1.6469% | 4,154 |
| Net charge-offs to loans | 0.2531% | 574 |
| Credit loss provision to net charge-offs | 188.1381% | 1,087 |
| Earnings coverage of net charge-offs (x) | 8.0484% | 2,102 |
| Efficiency ratio | 70.9318% | 2,197 |
| Assets per employee ($millions) | 12.2000% | 199 |
| Cash dividends to net income (ytd only)* | 70.9651% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3684% | 5,202 |
| Loan loss allowance to noncurrent loans | 48.8745% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 2,417 |
| Noncurrent loans to loans | 0.7537% | 2,146 |
| Net loans and leases to total assets | 73.6826% | 1,869 |
| Net loans and leases to deposits | 91.5632% | 1,449 |
| Net loans and leases to core deposits | 113.5557% | 760 |
| Total domestic deposits to total assets | 80.4719% | 4,080 |
| Equity capital to assets | 15.5422% | 641 |
| Core capital (leverage) ratio | 10.6749% | 2,869 |
| Tier 1 risk-based capital ratio | 11.6352% | 4,667 |
| Total risk-based capital ratio | 11.9526% | 5,005 |
| Memoranda: | ||
| Average total assets | $5,568,965,000 | 213 |
| Average earning assets | $4,972,831,000 | 209 |
| Average equity | $869,520,000 | 178 |
| Average total loans | $4,210,682,500 | 199 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2345% | 660 |
| Cost of funding earning assets | 1.0491% | 613 |
| Net interest margin | 4.1854% | 1,430 |
| Noninterest income to average assets | 0.3562% | 3,714 |
| Noninterest expense to average assets | 2.0461% | 4,666 |
| Loan and lease loss provision to assets | 0.2111% | 883 |
| Net operating income to assets | 1.4356% | 1,320 |
| Return on assets (ROA) | 1.4340% | 1,317 |
| Pretax return on assets | 1.8052% | 903 |
| Return on Equity (ROE) | 9.3160% | 2,829 |
| Retained earnings to average equity (ytd only) | 9.3160% | 780 |
| Net charge-offs to loans | 0.0065% | 3,461 |
| Credit loss provision to net charge-offs | 4,232.6923% | 121 |
| Earnings coverage of net charge-offs (x) | 404.6474% | 254 |
| Efficiency ratio | 47.6136% | 5,058 |
| Assets per employee ($millions) | 9.6335% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 4,667 |
| Loan loss allowance to noncurrent loans | 70.8869% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 1,652 |
| Noncurrent loans to loans | 1.0624% | 1,538 |
| Net loans and leases to total assets | 79.1000% | 1,077 |
| Net loans and leases to deposits | 95.2906% | 1,141 |
| Net loans and leases to core deposits | 111.9202% | 885 |
| Total domestic deposits to total assets | 83.0092% | 3,323 |
| Equity capital to assets | 15.7904% | 567 |
| Core capital (leverage) ratio | 10.8720% | 2,655 |
| Tier 1 risk-based capital ratio | 11.0090% | 4,978 |
| Total risk-based capital ratio | 11.6429% | 5,128 |
| Memoranda: | ||
| Average total assets | $3,127,494,400 | 311 |
| Average earning assets | $2,770,996,400 | 314 |
| Average equity | $481,399,000 | 251 |
| Average total loans | $2,399,923,200 | 295 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 642 |
| Cost of funding earning assets | 0.9626% | 710 |
| Net interest margin | 4.2237% | 1,300 |
| Noninterest income to average assets | 0.3209% | 4,003 |
| Noninterest expense to average assets | 2.0371% | 4,668 |
| Loan and lease loss provision to assets | 0.2248% | 731 |
| Net operating income to assets | 1.4351% | 1,377 |
| Return on assets (ROA) | 1.4343% | 1,376 |
| Pretax return on assets | 1.7925% | 1,028 |
| Return on Equity (ROE) | 9.3809% | 2,914 |
| Retained earnings to average equity (ytd only) | 9.3809% | 1,082 |
| Net charge-offs to loans | 0.0078% | 3,136 |
| Credit loss provision to net charge-offs | 3,796.3768% | 111 |
| Earnings coverage of net charge-offs (x) | 340.8393% | 277 |
| Efficiency ratio | 47.4480% | 5,077 |
| Assets per employee ($millions) | 10.0337% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7322% | 4,808 |
| Loan loss allowance to noncurrent loans | 68.5538% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 1,859 |
| Noncurrent loans to loans | 1.0681% | 1,597 |
| Net loans and leases to total assets | 74.0017% | 1,981 |
| Net loans and leases to deposits | 89.7756% | 1,932 |
| Net loans and leases to core deposits | 103.0367% | 1,529 |
| Total domestic deposits to total assets | 82.4297% | 3,483 |
| Equity capital to assets | 14.9945% | 719 |
| Core capital (leverage) ratio | 10.5297% | 3,051 |
| Tier 1 risk-based capital ratio | 11.1285% | 4,979 |
| Total risk-based capital ratio | 11.7473% | 5,156 |
| Memoranda: | ||
| Average total assets | $3,107,377,500 | 312 |
| Average earning assets | $2,747,484,750 | 315 |
| Average equity | $475,111,250 | 252 |
| Average total loans | $2,360,716,000 | 294 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 633 |
| Cost of funding earning assets | 0.8503% | 915 |
| Net interest margin | 4.2733% | 1,098 |
| Noninterest income to average assets | 0.3304% | 3,979 |
| Noninterest expense to average assets | 2.1154% | 4,567 |
| Loan and lease loss provision to assets | 0.1431% | 1,352 |
| Net operating income to assets | 1.4364% | 1,325 |
| Return on assets (ROA) | 1.4370% | 1,322 |
| Pretax return on assets | 1.8446% | 883 |
| Return on Equity (ROE) | 9.3339% | 2,876 |
| Retained earnings to average equity (ytd only) | 9.3339% | 1,116 |
| Net charge-offs to loans | 0.0127% | 2,709 |
| Credit loss provision to net charge-offs | 1,474.3243% | 290 |
| Earnings coverage of net charge-offs (x) | 204.6959% | 415 |
| Efficiency ratio | 48.6347% | 5,084 |
| Assets per employee ($millions) | 9.8234% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 5,080 |
| Loan loss allowance to noncurrent loans | 305.0771% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 4,217 |
| Noncurrent loans to loans | 0.2011% | 4,001 |
| Net loans and leases to total assets | 76.7315% | 1,523 |
| Net loans and leases to deposits | 94.8184% | 1,266 |
| Net loans and leases to core deposits | 109.0558% | 1,051 |
| Total domestic deposits to total assets | 80.9246% | 4,016 |
| Equity capital to assets | 15.3356% | 622 |
| Core capital (leverage) ratio | 10.7041% | 2,803 |
| Tier 1 risk-based capital ratio | 11.1641% | 4,963 |
| Total risk-based capital ratio | 11.7007% | 5,191 |
| Memoranda: | ||
| Average total assets | $3,049,495,330 | 314 |
| Average earning assets | $2,691,700,330 | 317 |
| Average equity | $469,490,670 | 249 |
| Average total loans | $2,332,313,330 | 296 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1460% | 544 |
| Cost of funding earning assets | 0.7179% | 1,353 |
| Net interest margin | 4.4281% | 724 |
| Noninterest income to average assets | 0.3658% | 3,695 |
| Noninterest expense to average assets | 2.2511% | 4,288 |
| Loan and lease loss provision to assets | 0.0902% | 2,002 |
| Net operating income to assets | 1.4440% | 1,211 |
| Return on assets (ROA) | 1.4448% | 1,216 |
| Pretax return on assets | 1.9287% | 675 |
| Return on Equity (ROE) | 9.3656% | 2,734 |
| Retained earnings to average equity (ytd only) | 9.3656% | 1,338 |
| Net charge-offs to loans | 0.0149% | 2,227 |
| Credit loss provision to net charge-offs | 797.6471% | 417 |
| Earnings coverage of net charge-offs (x) | 178.4824% | 366 |
| Efficiency ratio | 49.6853% | 5,102 |
| Assets per employee ($millions) | 9.4088% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5784% | 5,224 |
| Loan loss allowance to noncurrent loans | 351.5477% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 4,463 |
| Noncurrent loans to loans | 0.1645% | 4,241 |
| Net loans and leases to total assets | 75.1012% | 1,692 |
| Net loans and leases to deposits | 90.6316% | 1,612 |
| Net loans and leases to core deposits | 102.1544% | 1,513 |
| Total domestic deposits to total assets | 82.8642% | 3,710 |
| Equity capital to assets | 15.2776% | 611 |
| Core capital (leverage) ratio | 10.3856% | 3,076 |
| Tier 1 risk-based capital ratio | 10.9444% | 5,160 |
| Total risk-based capital ratio | 11.4464% | 5,375 |
| Memoranda: | ||
| Average total assets | $3,007,417,500 | 317 |
| Average earning assets | $2,650,903,500 | 320 |
| Average equity | $463,954,500 | 253 |
| Average total loans | $2,288,800,500 | 298 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 1,831 |
| Cost of funding earning assets | 0.5842% | 1,716 |
| Net interest margin | 3.8803% | 2,151 |
| Noninterest income to average assets | 0.3571% | 3,911 |
| Noninterest expense to average assets | 2.0154% | 4,934 |
| Loan and lease loss provision to assets | 0.2589% | 712 |
| Net operating income to assets | 0.9588% | 2,407 |
| Return on assets (ROA) | 0.9660% | 2,418 |
| Pretax return on assets | 1.6061% | 1,270 |
| Return on Equity (ROE) | 7.2878% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.2878% | 987 |
| Net charge-offs to loans | 0.0568% | 2,670 |
| Credit loss provision to net charge-offs | 615.5235% | 520 |
| Earnings coverage of net charge-offs (x) | 44.0782% | 1,186 |
| Efficiency ratio | 50.8273% | 5,179 |
| Assets per employee ($millions) | 9.2726% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 5,300 |
| Loan loss allowance to noncurrent loans | 73.7788% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 2,533 |
| Noncurrent loans to loans | 0.7679% | 2,290 |
| Net loans and leases to total assets | 76.2321% | 1,548 |
| Net loans and leases to deposits | 94.0660% | 1,266 |
| Net loans and leases to core deposits | 105.2198% | 1,327 |
| Total domestic deposits to total assets | 81.0410% | 4,112 |
| Equity capital to assets | 15.6142% | 566 |
| Core capital (leverage) ratio | 11.2125% | 2,152 |
| Tier 1 risk-based capital ratio | 10.8142% | 5,251 |
| Total risk-based capital ratio | 11.3063% | 5,457 |
| Memoranda: | ||
| Average total assets | $1,975,910,600 | 411 |
| Average earning assets | $1,788,373,200 | 415 |
| Average equity | $261,917,800 | 356 |
| Average total loans | $1,463,349,200 | 399 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 2,680 |
| Cost of funding earning assets | 0.5472% | 1,919 |
| Net interest margin | 3.6330% | 3,029 |
| Noninterest income to average assets | 0.3780% | 3,823 |
| Noninterest expense to average assets | 1.9681% | 5,019 |
| Loan and lease loss provision to assets | 0.1989% | 956 |
| Net operating income to assets | 1.0322% | 2,404 |
| Return on assets (ROA) | 1.0428% | 2,400 |
| Pretax return on assets | 1.5579% | 1,554 |
| Return on Equity (ROE) | 8.5113% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.5113% | 1,012 |
| Net charge-offs to loans | 0.0651% | 2,188 |
| Credit loss provision to net charge-offs | 418.9627% | 744 |
| Earnings coverage of net charge-offs (x) | 36.6708% | 1,386 |
| Efficiency ratio | 52.2042% | 5,081 |
| Assets per employee ($millions) | 9.5180% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5494% | 5,410 |
| Loan loss allowance to noncurrent loans | 200.6886% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 4,102 |
| Noncurrent loans to loans | 0.2738% | 3,970 |
| Net loans and leases to total assets | 76.1581% | 1,568 |
| Net loans and leases to deposits | 92.2911% | 1,528 |
| Net loans and leases to core deposits | 101.6825% | 1,568 |
| Total domestic deposits to total assets | 82.5194% | 3,621 |
| Equity capital to assets | 15.6176% | 614 |
| Core capital (leverage) ratio | 11.9486% | 1,720 |
| Tier 1 risk-based capital ratio | 11.0979% | 5,191 |
| Total risk-based capital ratio | 11.5727% | 5,449 |
| Memoranda: | ||
| Average total assets | $1,732,719,750 | 461 |
| Average earning assets | $1,588,778,000 | 458 |
| Average equity | $212,294,000 | 420 |
| Average total loans | $1,264,025,500 | 440 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 3,194 |
| Cost of funding earning assets | 0.5163% | 2,044 |
| Net interest margin | 3.4872% | 3,454 |
| Noninterest income to average assets | 0.4291% | 3,496 |
| Noninterest expense to average assets | 1.9484% | 5,087 |
| Loan and lease loss provision to assets | 0.2479% | 675 |
| Net operating income to assets | 0.9974% | 2,439 |
| Return on assets (ROA) | 0.9974% | 2,486 |
| Pretax return on assets | 1.4720% | 1,751 |
| Return on Equity (ROE) | 9.6268% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.6268% | 665 |
| Net charge-offs to loans | 0.1177% | 1,463 |
| Credit loss provision to net charge-offs | 297.0827% | 964 |
| Earnings coverage of net charge-offs (x) | 20.6143% | 1,786 |
| Efficiency ratio | 52.4145% | 5,144 |
| Assets per employee ($millions) | 8.4705% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 4,772 |
| Loan loss allowance to noncurrent loans | 637.0177% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 4,650 |
| Noncurrent loans to loans | 0.1357% | 4,571 |
| Net loans and leases to total assets | 74.0712% | 1,850 |
| Net loans and leases to deposits | 85.3815% | 2,299 |
| Net loans and leases to core deposits | 88.6835% | 2,644 |
| Total domestic deposits to total assets | 86.7533% | 2,064 |
| Equity capital to assets | 10.4837% | 3,369 |
| Core capital (leverage) ratio | 8.8091% | 4,940 |
| Tier 1 risk-based capital ratio | 10.3587% | 5,516 |
| Total risk-based capital ratio | 11.1369% | 5,617 |
| Memoranda: | ||
| Average total assets | $1,479,054,000 | 527 |
| Average earning assets | $1,373,886,670 | 515 |
| Average equity | $153,239,000 | 539 |
| Average total loans | $1,048,814,000 | 513 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 3,627 |
| Cost of funding earning assets | 0.5039% | 2,058 |
| Net interest margin | 3.3348% | 3,906 |
| Noninterest income to average assets | 0.4159% | 3,557 |
| Noninterest expense to average assets | 1.9368% | 5,174 |
| Loan and lease loss provision to assets | 0.2431% | 632 |
| Net operating income to assets | 0.9277% | 2,630 |
| Return on assets (ROA) | 0.9277% | 2,684 |
| Pretax return on assets | 1.3390% | 2,103 |
| Return on Equity (ROE) | 9.0091% | 2,419 |
| Retained earnings to average equity (ytd only) | 9.0091% | 1,079 |
| Net charge-offs to loans | 0.2368% | 761 |
| Credit loss provision to net charge-offs | 148.8294% | 1,222 |
| Earnings coverage of net charge-offs (x) | 9.6873% | 1,980 |
| Efficiency ratio | 54.3035% | 5,094 |
| Assets per employee ($millions) | 9.1637% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 4,892 |
| Loan loss allowance to noncurrent loans | 464.4889% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 4,492 |
| Noncurrent loans to loans | 0.1856% | 4,457 |
| Net loans and leases to total assets | 66.6607% | 2,868 |
| Net loans and leases to deposits | 76.8782% | 3,095 |
| Net loans and leases to core deposits | 80.0982% | 3,286 |
| Total domestic deposits to total assets | 86.7095% | 2,354 |
| Equity capital to assets | 10.0462% | 3,702 |
| Core capital (leverage) ratio | 8.4138% | 5,289 |
| Tier 1 risk-based capital ratio | 11.4723% | 5,047 |
| Total risk-based capital ratio | 12.2796% | 5,201 |
| Memoranda: | ||
| Average total assets | $1,464,708,000 | 534 |
| Average earning assets | $1,362,843,500 | 517 |
| Average equity | $150,824,500 | 541 |
| Average total loans | $1,009,948,000 | 536 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,555 |
| Cost of funding earning assets | 0.4691% | 2,363 |
| Net interest margin | 3.7109% | 2,651 |
| Noninterest income to average assets | 0.5171% | 3,115 |
| Noninterest expense to average assets | 2.0951% | 5,010 |
| Loan and lease loss provision to assets | 0.1691% | 1,444 |
| Net operating income to assets | 1.1084% | 1,866 |
| Return on assets (ROA) | 1.1092% | 1,959 |
| Pretax return on assets | 1.6822% | 1,048 |
| Return on Equity (ROE) | 9.7180% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.7180% | 460 |
| Net charge-offs to loans | 0.0326% | 3,371 |
| Credit loss provision to net charge-offs | 687.9195% | 512 |
| Earnings coverage of net charge-offs (x) | 75.2651% | 748 |
| Efficiency ratio | 52.3125% | 5,356 |
| Assets per employee ($millions) | 8.6395% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 4,944 |
| Loan loss allowance to noncurrent loans | 479.9550% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 4,626 |
| Noncurrent loans to loans | 0.1781% | 4,521 |
| Net loans and leases to total assets | 70.1961% | 2,431 |
| Net loans and leases to deposits | 81.1600% | 2,768 |
| Net loans and leases to core deposits | 85.1345% | 2,916 |
| Total domestic deposits to total assets | 86.4910% | 2,374 |
| Equity capital to assets | 10.5684% | 3,077 |
| Core capital (leverage) ratio | 9.5356% | 4,035 |
| Tier 1 risk-based capital ratio | 11.7477% | 4,894 |
| Total risk-based capital ratio | 12.5691% | 5,064 |
| Memoranda: | ||
| Average total assets | $1,212,305,600 | 607 |
| Average earning assets | $1,119,922,200 | 599 |
| Average equity | $138,372,600 | 572 |
| Average total loans | $914,718,400 | 554 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 2,226 |
| Cost of funding earning assets | 0.4464% | 2,586 |
| Net interest margin | 3.8336% | 2,214 |
| Noninterest income to average assets | 0.5218% | 3,102 |
| Noninterest expense to average assets | 2.1429% | 4,905 |
| Loan and lease loss provision to assets | 0.1845% | 1,186 |
| Net operating income to assets | 1.1392% | 1,849 |
| Return on assets (ROA) | 1.1404% | 1,952 |
| Pretax return on assets | 1.7299% | 1,037 |
| Return on Equity (ROE) | 9.7720% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.7720% | 624 |
| Net charge-offs to loans | 0.0418% | 2,808 |
| Credit loss provision to net charge-offs | 575.0000% | 635 |
| Earnings coverage of net charge-offs (x) | 59.6042% | 965 |
| Efficiency ratio | 52.0319% | 5,382 |
| Assets per employee ($millions) | 7.7834% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 4,969 |
| Loan loss allowance to noncurrent loans | 561.0803% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 4,768 |
| Noncurrent loans to loans | 0.1550% | 4,732 |
| Net loans and leases to total assets | 72.7843% | 2,049 |
| Net loans and leases to deposits | 85.4199% | 2,320 |
| Net loans and leases to core deposits | 93.1741% | 2,258 |
| Total domestic deposits to total assets | 85.2076% | 2,717 |
| Equity capital to assets | 11.5405% | 2,480 |
| Core capital (leverage) ratio | 9.8987% | 3,697 |
| Tier 1 risk-based capital ratio | 12.0784% | 4,739 |
| Total risk-based capital ratio | 12.9083% | 4,907 |
| Memoranda: | ||
| Average total assets | $1,163,323,250 | 623 |
| Average earning assets | $1,072,341,500 | 616 |
| Average equity | $135,758,750 | 584 |
| Average total loans | $894,135,500 | 564 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 2,136 |
| Cost of funding earning assets | 0.4139% | 2,895 |
| Net interest margin | 3.8920% | 2,007 |
| Noninterest income to average assets | 0.4723% | 3,390 |
| Noninterest expense to average assets | 2.1291% | 4,993 |
| Loan and lease loss provision to assets | 0.2432% | 810 |
| Net operating income to assets | 1.1129% | 1,915 |
| Return on assets (ROA) | 1.1147% | 2,024 |
| Pretax return on assets | 1.6862% | 1,130 |
| Return on Equity (ROE) | 9.5124% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.5124% | 713 |
| Net charge-offs to loans | 0.0531% | 2,443 |
| Credit loss provision to net charge-offs | 586.3248% | 582 |
| Earnings coverage of net charge-offs (x) | 46.4487% | 1,047 |
| Efficiency ratio | 51.6631% | 5,462 |
| Assets per employee ($millions) | 7.7386% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 5,134 |
| Loan loss allowance to noncurrent loans | 118.7688% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 3,257 |
| Noncurrent loans to loans | 0.7140% | 2,940 |
| Net loans and leases to total assets | 76.1202% | 1,474 |
| Net loans and leases to deposits | 89.6364% | 1,789 |
| Net loans and leases to core deposits | 99.2892% | 1,687 |
| Total domestic deposits to total assets | 84.9211% | 2,913 |
| Equity capital to assets | 11.7305% | 2,326 |
| Core capital (leverage) ratio | 10.2691% | 3,248 |
| Tier 1 risk-based capital ratio | 11.9488% | 4,858 |
| Total risk-based capital ratio | 12.7778% | 5,019 |
| Memoranda: | ||
| Average total assets | $1,128,197,330 | 640 |
| Average earning assets | $1,038,809,670 | 633 |
| Average equity | $132,206,670 | 606 |
| Average total loans | $881,675,000 | 569 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,037 |
| Cost of funding earning assets | 0.4001% | 3,065 |
| Net interest margin | 3.9281% | 1,851 |
| Noninterest income to average assets | 0.5000% | 3,109 |
| Noninterest expense to average assets | 2.1534% | 5,014 |
| Loan and lease loss provision to assets | 0.3116% | 498 |
| Net operating income to assets | 1.0900% | 1,943 |
| Return on assets (ROA) | 1.0936% | 2,027 |
| Pretax return on assets | 1.6501% | 1,181 |
| Return on Equity (ROE) | 9.3381% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.3381% | 1,016 |
| Net charge-offs to loans | 0.1145% | 1,434 |
| Credit loss provision to net charge-offs | 344.8980% | 777 |
| Earnings coverage of net charge-offs (x) | 21.6531% | 1,427 |
| Efficiency ratio | 51.5478% | 5,541 |
| Assets per employee ($millions) | 7.4356% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 5,284 |
| Loan loss allowance to noncurrent loans | 1,106.9069% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 5,167 |
| Noncurrent loans to loans | 0.0749% | 5,177 |
| Net loans and leases to total assets | 78.0004% | 1,102 |
| Net loans and leases to deposits | 91.7929% | 1,376 |
| Net loans and leases to core deposits | 109.2245% | 892 |
| Total domestic deposits to total assets | 84.9744% | 3,143 |
| Equity capital to assets | 11.3922% | 2,544 |
| Core capital (leverage) ratio | 9.4765% | 4,238 |
| Tier 1 risk-based capital ratio | 10.9779% | 5,514 |
| Total risk-based capital ratio | 11.7839% | 5,641 |
| Memoranda: | ||
| Average total assets | $1,084,815,500 | 664 |
| Average earning assets | $996,814,000 | 662 |
| Average equity | $127,049,500 | 633 |
| Average total loans | $856,142,000 | 579 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 2,303 |
| Cost of funding earning assets | 0.3759% | 3,418 |
| Net interest margin | 3.8970% | 2,040 |
| Noninterest income to average assets | 0.3943% | 4,070 |
| Noninterest expense to average assets | 2.2790% | 4,848 |
| Loan and lease loss provision to assets | 0.0968% | 2,374 |
| Net operating income to assets | 1.0786% | 2,012 |
| Return on assets (ROA) | 1.0791% | 2,078 |
| Pretax return on assets | 1.5891% | 1,283 |
| Return on Equity (ROE) | 9.0242% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.0242% | 646 |
| Net charge-offs to loans | 0.0111% | 4,086 |
| Credit loss provision to net charge-offs | 1,127.2727% | 301 |
| Earnings coverage of net charge-offs (x) | 196.1558% | 340 |
| Efficiency ratio | 56.5381% | 5,294 |
| Assets per employee ($millions) | 7.0708% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 5,347 |
| Loan loss allowance to noncurrent loans | 1,004.7478% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 5,140 |
| Noncurrent loans to loans | 0.0819% | 5,173 |
| Net loans and leases to total assets | 78.5602% | 1,050 |
| Net loans and leases to deposits | 92.4845% | 1,349 |
| Net loans and leases to core deposits | 105.2497% | 1,149 |
| Total domestic deposits to total assets | 84.9442% | 3,117 |
| Equity capital to assets | 12.0589% | 1,916 |
| Core capital (leverage) ratio | 9.7774% | 3,806 |
| Tier 1 risk-based capital ratio | 11.6783% | 5,145 |
| Total risk-based capital ratio | 12.4882% | 5,301 |
| Memoranda: | ||
| Average total assets | $896,278,400 | 768 |
| Average earning assets | $821,043,800 | 762 |
| Average equity | $107,179,000 | 719 |
| Average total loans | $691,267,000 | 672 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 2,496 |
| Cost of funding earning assets | 0.3700% | 3,547 |
| Net interest margin | 3.8578% | 2,162 |
| Noninterest income to average assets | 0.3740% | 4,259 |
| Noninterest expense to average assets | 2.2986% | 4,783 |
| Loan and lease loss provision to assets | 0.0400% | 3,413 |
| Net operating income to assets | 1.0749% | 2,112 |
| Return on assets (ROA) | 1.0756% | 2,198 |
| Pretax return on assets | 1.5696% | 1,478 |
| Return on Equity (ROE) | 9.0179% | 2,568 |
| Retained earnings to average equity (ytd only) | 9.0179% | 896 |
| Net charge-offs to loans | 0.0051% | 3,996 |
| Credit loss provision to net charge-offs | 1,032.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 415.2712% | 181 |
| Efficiency ratio | 57.8680% | 5,135 |
| Assets per employee ($millions) | 7.0073% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 5,460 |
| Loan loss allowance to noncurrent loans | 1,451.8692% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 5,383 |
| Noncurrent loans to loans | 0.0566% | 5,391 |
| Net loans and leases to total assets | 74.2976% | 1,682 |
| Net loans and leases to deposits | 86.6490% | 2,078 |
| Net loans and leases to core deposits | 97.5065% | 1,747 |
| Total domestic deposits to total assets | 85.7454% | 2,672 |
| Equity capital to assets | 12.1559% | 1,994 |
| Core capital (leverage) ratio | 10.1265% | 3,465 |
| Tier 1 risk-based capital ratio | 12.4732% | 4,780 |
| Total risk-based capital ratio | 13.2844% | 4,977 |
| Memoranda: | ||
| Average total assets | $860,494,750 | 806 |
| Average earning assets | $788,069,750 | 805 |
| Average equity | $102,638,250 | 758 |
| Average total loans | $658,249,500 | 716 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 2,686 |
| Cost of funding earning assets | 0.3659% | 3,639 |
| Net interest margin | 3.7935% | 2,342 |
| Noninterest income to average assets | 0.3384% | 4,535 |
| Noninterest expense to average assets | 2.2953% | 4,855 |
| Loan and lease loss provision to assets | 0.0636% | 2,848 |
| Net operating income to assets | 1.0195% | 2,298 |
| Return on assets (ROA) | 1.0207% | 2,398 |
| Pretax return on assets | 1.4560% | 1,783 |
| Return on Equity (ROE) | 8.6261% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.6261% | 1,035 |
| Net charge-offs to loans | 0.0147% | 3,423 |
| Credit loss provision to net charge-offs | 560.8696% | 581 |
| Earnings coverage of net charge-offs (x) | 133.8043% | 476 |
| Efficiency ratio | 59.2420% | 5,084 |
| Assets per employee ($millions) | 6.4774% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 5,069 |
| Loan loss allowance to noncurrent loans | 1,984.9359% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 5,451 |
| Noncurrent loans to loans | 0.0482% | 5,555 |
| Net loans and leases to total assets | 77.8995% | 1,079 |
| Net loans and leases to deposits | 92.0741% | 1,367 |
| Net loans and leases to core deposits | 102.5350% | 1,291 |
| Total domestic deposits to total assets | 84.6052% | 3,293 |
| Equity capital to assets | 11.9206% | 2,089 |
| Core capital (leverage) ratio | 10.0031% | 3,598 |
| Tier 1 risk-based capital ratio | 11.6795% | 5,350 |
| Total risk-based capital ratio | 12.6015% | 5,473 |
| Memoranda: | ||
| Average total assets | $810,978,000 | 875 |
| Average earning assets | $742,843,000 | 864 |
| Average equity | $95,965,000 | 808 |
| Average total loans | $625,696,000 | 752 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 2,719 |
| Cost of funding earning assets | 0.3597% | 3,757 |
| Net interest margin | 3.7670% | 2,365 |
| Noninterest income to average assets | 0.3756% | 4,196 |
| Noninterest expense to average assets | 2.3514% | 4,734 |
| Loan and lease loss provision to assets | 0.0546% | 2,840 |
| Net operating income to assets | 1.0462% | 2,048 |
| Return on assets (ROA) | 1.0487% | 2,185 |
| Pretax return on assets | 1.4278% | 1,785 |
| Return on Equity (ROE) | 8.8962% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.8962% | 1,235 |
| Net charge-offs to loans | 0.0553% | 2,213 |
| Credit loss provision to net charge-offs | 129.4118% | 1,374 |
| Earnings coverage of net charge-offs (x) | 35.0235% | 1,050 |
| Efficiency ratio | 60.4280% | 5,037 |
| Assets per employee ($millions) | 6.6813% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 5,161 |
| Loan loss allowance to noncurrent loans | 1,859.4427% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 5,524 |
| Noncurrent loans to loans | 0.0523% | 5,570 |
| Net loans and leases to total assets | 75.6956% | 1,253 |
| Net loans and leases to deposits | 88.0306% | 1,607 |
| Net loans and leases to core deposits | 98.3645% | 1,446 |
| Total domestic deposits to total assets | 85.9878% | 2,947 |
| Equity capital to assets | 11.8784% | 2,122 |
| Core capital (leverage) ratio | 9.9031% | 3,741 |
| Tier 1 risk-based capital ratio | 11.9628% | 5,263 |
| Total risk-based capital ratio | 12.9053% | 5,368 |
| Memoranda: | ||
| Average total assets | $805,152,500 | 879 |
| Average earning assets | $738,418,000 | 869 |
| Average equity | $94,916,500 | 816 |
| Average total loans | $615,035,500 | 763 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,527 |
| Cost of funding earning assets | 0.3866% | 3,836 |
| Net interest margin | 3.9332% | 2,105 |
| Noninterest income to average assets | 0.3253% | 4,794 |
| Noninterest expense to average assets | 2.5218% | 4,476 |
| Loan and lease loss provision to assets | 0.1981% | 1,285 |
| Net operating income to assets | 0.7828% | 3,456 |
| Return on assets (ROA) | 0.7858% | 3,533 |
| Pretax return on assets | 1.2084% | 2,618 |
| Return on Equity (ROE) | 6.9362% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.9362% | 1,436 |
| Net charge-offs to loans | 0.0838% | 3,295 |
| Credit loss provision to net charge-offs | 309.3478% | 842 |
| Earnings coverage of net charge-offs (x) | 21.8870% | 1,654 |
| Efficiency ratio | 63.2292% | 4,716 |
| Assets per employee ($millions) | 6.5187% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 5,163 |
| Loan loss allowance to noncurrent loans | 612.1801% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 5,492 |
| Noncurrent loans to loans | 0.1596% | 5,257 |
| Net loans and leases to total assets | 75.5970% | 1,329 |
| Net loans and leases to deposits | 90.9920% | 1,400 |
| Net loans and leases to core deposits | 95.7620% | 1,744 |
| Total domestic deposits to total assets | 83.0809% | 4,047 |
| Equity capital to assets | 11.6901% | 2,266 |
| Core capital (leverage) ratio | 9.6835% | 3,993 |
| Tier 1 risk-based capital ratio | 11.8214% | 5,478 |
| Total risk-based capital ratio | 12.7825% | 5,560 |
| Memoranda: | ||
| Average total assets | $718,214,400 | 937 |
| Average earning assets | $657,066,400 | 940 |
| Average equity | $81,369,800 | 899 |
| Average total loans | $548,780,000 | 802 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 2,492 |
| Cost of funding earning assets | 0.3886% | 3,917 |
| Net interest margin | 3.9434% | 2,063 |
| Noninterest income to average assets | 0.3335% | 4,771 |
| Noninterest expense to average assets | 2.5839% | 4,248 |
| Loan and lease loss provision to assets | 0.2098% | 1,109 |
| Net operating income to assets | 0.7428% | 3,710 |
| Return on assets (ROA) | 0.7470% | 3,780 |
| Pretax return on assets | 1.1514% | 2,979 |
| Return on Equity (ROE) | 6.6546% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.6546% | 2,009 |
| Net charge-offs to loans | 0.0588% | 3,373 |
| Credit loss provision to net charge-offs | 466.8085% | 610 |
| Earnings coverage of net charge-offs (x) | 30.1485% | 1,367 |
| Efficiency ratio | 64.5371% | 4,460 |
| Assets per employee ($millions) | 6.1002% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 5,192 |
| Loan loss allowance to noncurrent loans | 594.5399% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 4,974 |
| Noncurrent loans to loans | 0.1691% | 5,404 |
| Net loans and leases to total assets | 77.7843% | 979 |
| Net loans and leases to deposits | 89.6882% | 1,455 |
| Net loans and leases to core deposits | 101.5454% | 1,248 |
| Total domestic deposits to total assets | 86.7274% | 2,458 |
| Equity capital to assets | 10.9841% | 2,974 |
| Core capital (leverage) ratio | 8.7056% | 5,429 |
| Tier 1 risk-based capital ratio | 10.5829% | 6,180 |
| Total risk-based capital ratio | 11.5934% | 6,220 |
| Memoranda: | ||
| Average total assets | $697,318,250 | 969 |
| Average earning assets | $637,510,250 | 970 |
| Average equity | $78,279,500 | 935 |
| Average total loans | $532,945,750 | 829 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 2,697 |
| Cost of funding earning assets | 0.3924% | 3,959 |
| Net interest margin | 3.8788% | 2,258 |
| Noninterest income to average assets | 0.3268% | 4,800 |
| Noninterest expense to average assets | 2.5692% | 4,349 |
| Loan and lease loss provision to assets | 0.1986% | 1,217 |
| Net operating income to assets | 0.7088% | 3,791 |
| Return on assets (ROA) | 0.7153% | 3,853 |
| Pretax return on assets | 1.1070% | 3,078 |
| Return on Equity (ROE) | 6.3223% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.3223% | 2,142 |
| Net charge-offs to loans | 0.0694% | 3,008 |
| Credit loss provision to net charge-offs | 378.2123% | 724 |
| Earnings coverage of net charge-offs (x) | 24.6704% | 1,422 |
| Efficiency ratio | 65.3610% | 4,463 |
| Assets per employee ($millions) | 5.6354% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 5,307 |
| Loan loss allowance to noncurrent loans | 531.9190% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 4,518 |
| Noncurrent loans to loans | 0.1895% | 5,442 |
| Net loans and leases to total assets | 76.2956% | 1,127 |
| Net loans and leases to deposits | 88.4070% | 1,548 |
| Net loans and leases to core deposits | 97.4118% | 1,480 |
| Total domestic deposits to total assets | 86.3003% | 2,880 |
| Equity capital to assets | 11.3028% | 2,611 |
| Core capital (leverage) ratio | 9.1063% | 4,864 |
| Tier 1 risk-based capital ratio | 10.9756% | 6,058 |
| Total risk-based capital ratio | 11.9852% | 6,109 |
| Memoranda: | ||
| Average total assets | $681,684,330 | 992 |
| Average earning assets | $621,788,670 | 992 |
| Average equity | $77,124,000 | 945 |
| Average total loans | $515,672,330 | 857 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 2,824 |
| Cost of funding earning assets | 0.4084% | 3,867 |
| Net interest margin | 3.8055% | 2,451 |
| Noninterest income to average assets | 0.3188% | 4,825 |
| Noninterest expense to average assets | 2.6901% | 3,966 |
| Loan and lease loss provision to assets | 0.1510% | 1,604 |
| Net operating income to assets | 0.6166% | 4,117 |
| Return on assets (ROA) | 0.6298% | 4,134 |
| Pretax return on assets | 0.9660% | 3,459 |
| Return on Equity (ROE) | 5.5640% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.5640% | 2,761 |
| Net charge-offs to loans | 0.0440% | 2,773 |
| Credit loss provision to net charge-offs | 458.1818% | 585 |
| Earnings coverage of net charge-offs (x) | 33.2727% | 987 |
| Efficiency ratio | 69.8687% | 3,860 |
| Assets per employee ($millions) | 5.6773% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 5,366 |
| Loan loss allowance to noncurrent loans | 713.4063% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 4,586 |
| Noncurrent loans to loans | 0.1455% | 5,653 |
| Net loans and leases to total assets | 74.2342% | 1,235 |
| Net loans and leases to deposits | 86.5736% | 1,525 |
| Net loans and leases to core deposits | 93.0780% | 1,632 |
| Total domestic deposits to total assets | 85.7469% | 3,498 |
| Equity capital to assets | 11.7370% | 2,069 |
| Core capital (leverage) ratio | 9.0879% | 4,885 |
| Tier 1 risk-based capital ratio | 11.5347% | 5,896 |
| Total risk-based capital ratio | 12.5633% | 5,959 |
| Memoranda: | ||
| Average total assets | $667,496,000 | 1,021 |
| Average earning assets | $608,281,000 | 1,030 |
| Average equity | $75,557,500 | 972 |
| Average total loans | $499,878,000 | 887 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 2,451 |
| Cost of funding earning assets | 0.4501% | 4,114 |
| Net interest margin | 3.9845% | 1,993 |
| Noninterest income to average assets | 0.3859% | 4,549 |
| Noninterest expense to average assets | 2.7353% | 3,972 |
| Loan and lease loss provision to assets | 0.3194% | 1,031 |
| Net operating income to assets | 0.6114% | 4,212 |
| Return on assets (ROA) | 0.6114% | 4,331 |
| Pretax return on assets | 0.9300% | 3,643 |
| Return on Equity (ROE) | 5.4620% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.4620% | 2,302 |
| Net charge-offs to loans | 0.0235% | 4,958 |
| Credit loss provision to net charge-offs | 1,828.1553% | 133 |
| Earnings coverage of net charge-offs (x) | 71.5146% | 596 |
| Efficiency ratio | 67.3945% | 4,308 |
| Assets per employee ($millions) | 5.7333% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 5,517 |
| Loan loss allowance to noncurrent loans | 296.0472% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 4,666 |
| Noncurrent loans to loans | 0.3409% | 5,166 |
| Net loans and leases to total assets | 74.0090% | 1,349 |
| Net loans and leases to deposits | 85.4593% | 1,756 |
| Net loans and leases to core deposits | 91.3835% | 1,863 |
| Total domestic deposits to total assets | 86.6015% | 2,935 |
| Equity capital to assets | 10.8991% | 2,706 |
| Core capital (leverage) ratio | 8.5776% | 5,571 |
| Tier 1 risk-based capital ratio | 10.3746% | 6,408 |
| Total risk-based capital ratio | 11.3708% | 6,444 |
| Memoranda: | ||
| Average total assets | $589,583,200 | 1,126 |
| Average earning assets | $532,518,000 | 1,138 |
| Average equity | $66,001,600 | 1,089 |
| Average total loans | $437,911,800 | 978 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 2,317 |
| Cost of funding earning assets | 0.4595% | 4,178 |
| Net interest margin | 4.0187% | 1,883 |
| Noninterest income to average assets | 0.4126% | 4,433 |
| Noninterest expense to average assets | 2.8046% | 3,646 |
| Loan and lease loss provision to assets | 0.3231% | 1,031 |
| Net operating income to assets | 0.5939% | 4,382 |
| Return on assets (ROA) | 0.5939% | 4,503 |
| Pretax return on assets | 0.9053% | 3,863 |
| Return on Equity (ROE) | 5.2644% | 4,589 |
| Retained earnings to average equity (ytd only) | 5.2644% | 2,896 |
| Net charge-offs to loans | 0.0309% | 4,515 |
| Credit loss provision to net charge-offs | 1,411.2245% | 227 |
| Earnings coverage of net charge-offs (x) | 53.6544% | 821 |
| Efficiency ratio | 68.2616% | 4,050 |
| Assets per employee ($millions) | 5.2639% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 5,726 |
| Loan loss allowance to noncurrent loans | 258.3095% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 4,524 |
| Noncurrent loans to loans | 0.3865% | 5,230 |
| Net loans and leases to total assets | 74.7350% | 1,169 |
| Net loans and leases to deposits | 86.7343% | 1,521 |
| Net loans and leases to core deposits | 91.7468% | 1,785 |
| Total domestic deposits to total assets | 86.1654% | 3,149 |
| Equity capital to assets | 11.0653% | 2,704 |
| Core capital (leverage) ratio | 8.0233% | 6,203 |
| Tier 1 risk-based capital ratio | 9.9258% | 6,613 |
| Total risk-based capital ratio | 10.9005% | 6,645 |
| Memoranda: | ||
| Average total assets | $570,712,500 | 1,176 |
| Average earning assets | $514,153,750 | 1,192 |
| Average equity | $64,380,500 | 1,122 |
| Average total loans | $423,083,000 | 1,014 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 2,294 |
| Cost of funding earning assets | 0.4684% | 4,223 |
| Net interest margin | 4.0050% | 1,839 |
| Noninterest income to average assets | 0.4443% | 4,207 |
| Noninterest expense to average assets | 2.8539% | 3,492 |
| Loan and lease loss provision to assets | 0.3594% | 922 |
| Net operating income to assets | 0.5516% | 4,545 |
| Return on assets (ROA) | 0.5516% | 4,713 |
| Pretax return on assets | 0.8436% | 4,141 |
| Return on Equity (ROE) | 4.8566% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.8566% | 3,141 |
| Net charge-offs to loans | 0.0489% | 3,992 |
| Credit loss provision to net charge-offs | 998.0198% | 314 |
| Earnings coverage of net charge-offs (x) | 33.4059% | 1,059 |
| Efficiency ratio | 69.0543% | 3,999 |
| Assets per employee ($millions) | 5.0938% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 5,909 |
| Loan loss allowance to noncurrent loans | 574.8960% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 4,981 |
| Noncurrent loans to loans | 0.1696% | 5,897 |
| Net loans and leases to total assets | 70.6349% | 1,776 |
| Net loans and leases to deposits | 81.7859% | 2,085 |
| Net loans and leases to core deposits | 87.2178% | 2,203 |
| Total domestic deposits to total assets | 86.3656% | 3,175 |
| Equity capital to assets | 10.8041% | 2,939 |
| Core capital (leverage) ratio | 7.9334% | 6,228 |
| Tier 1 risk-based capital ratio | 10.2076% | 6,588 |
| Total risk-based capital ratio | 11.1707% | 6,631 |
| Memoranda: | ||
| Average total assets | $560,922,330 | 1,195 |
| Average earning assets | $505,969,670 | 1,215 |
| Average equity | $63,707,000 | 1,146 |
| Average total loans | $413,112,330 | 1,029 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 2,178 |
| Cost of funding earning assets | 0.4804% | 4,273 |
| Net interest margin | 4.0168% | 1,723 |
| Noninterest income to average assets | 0.4373% | 4,201 |
| Noninterest expense to average assets | 2.9607% | 3,115 |
| Loan and lease loss provision to assets | 0.3666% | 875 |
| Net operating income to assets | 0.4829% | 4,765 |
| Return on assets (ROA) | 0.4829% | 4,920 |
| Pretax return on assets | 0.7288% | 4,449 |
| Return on Equity (ROE) | 4.1411% | 5,022 |
| Retained earnings to average equity (ytd only) | 4.1411% | 3,735 |
| Net charge-offs to loans | 0.0737% | 3,106 |
| Credit loss provision to net charge-offs | 664.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 19.8400% | 1,206 |
| Efficiency ratio | 71.6515% | 3,678 |
| Assets per employee ($millions) | 4.9857% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,298 |
| Loan loss allowance to noncurrent loans | 391.1325% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 4,688 |
| Noncurrent loans to loans | 0.2261% | 5,850 |
| Net loans and leases to total assets | 72.8144% | 1,230 |
| Net loans and leases to deposits | 84.9402% | 1,478 |
| Net loans and leases to core deposits | 90.8307% | 1,625 |
| Total domestic deposits to total assets | 85.7244% | 3,670 |
| Equity capital to assets | 11.3100% | 2,624 |
| Core capital (leverage) ratio | 8.3211% | 5,799 |
| Tier 1 risk-based capital ratio | 10.3575% | 6,616 |
| Total risk-based capital ratio | 11.2412% | 6,685 |
| Memoranda: | ||
| Average total assets | $543,394,000 | 1,244 |
| Average earning assets | $489,549,500 | 1,267 |
| Average equity | $63,365,500 | 1,167 |
| Average total loans | $407,111,500 | 1,043 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 1,467 |
| Cost of funding earning assets | 0.5216% | 5,059 |
| Net interest margin | 4.5154% | 915 |
| Noninterest income to average assets | 0.3262% | 5,124 |
| Noninterest expense to average assets | 3.3887% | 2,075 |
| Loan and lease loss provision to assets | 0.6207% | 873 |
| Net operating income to assets | 0.2291% | 5,703 |
| Return on assets (ROA) | 0.2291% | 5,899 |
| Pretax return on assets | 0.3636% | 5,672 |
| Return on Equity (ROE) | 1.7657% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.7657% | 4,971 |
| Net charge-offs to loans | 0.2122% | 3,691 |
| Credit loss provision to net charge-offs | 406.1898% | 592 |
| Earnings coverage of net charge-offs (x) | 6.4415% | 2,812 |
| Efficiency ratio | 76.0779% | 2,725 |
| Assets per employee ($millions) | 4.8018% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 6,471 |
| Loan loss allowance to noncurrent loans | 166.2218% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 4,382 |
| Noncurrent loans to loans | 0.4866% | 5,313 |
| Net loans and leases to total assets | 75.8686% | 930 |
| Net loans and leases to deposits | 88.4269% | 1,220 |
| Net loans and leases to core deposits | 93.1003% | 1,546 |
| Total domestic deposits to total assets | 85.7981% | 3,457 |
| Equity capital to assets | 12.0390% | 2,022 |
| Core capital (leverage) ratio | 8.5054% | 5,602 |
| Tier 1 risk-based capital ratio | 10.8516% | 6,405 |
| Total risk-based capital ratio | 11.6858% | 6,547 |
| Memoranda: | ||
| Average total assets | $475,757,200 | 1,395 |
| Average earning assets | $426,383,400 | 1,417 |
| Average equity | $61,733,600 | 1,154 |
| Average total loans | $342,596,600 | 1,233 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0126% | 1,667 |
| Cost of funding earning assets | 0.5294% | 5,252 |
| Net interest margin | 4.4832% | 1,023 |
| Noninterest income to average assets | 0.2903% | 5,455 |
| Noninterest expense to average assets | 3.5034% | 1,750 |
| Loan and lease loss provision to assets | 0.5424% | 1,087 |
| Net operating income to assets | 0.1581% | 6,015 |
| Return on assets (ROA) | 0.1581% | 6,171 |
| Pretax return on assets | 0.2564% | 6,028 |
| Return on Equity (ROE) | 1.1941% | 6,217 |
| Retained earnings to average equity (ytd only) | 1.1941% | 5,699 |
| Net charge-offs to loans | 0.1832% | 3,652 |
| Credit loss provision to net charge-offs | 418.4035% | 641 |
| Earnings coverage of net charge-offs (x) | 6.1618% | 2,837 |
| Efficiency ratio | 79.9559% | 2,096 |
| Assets per employee ($millions) | 4.5836% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 6,777 |
| Loan loss allowance to noncurrent loans | 91.4115% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0595% | 4,168 |
| Noncurrent loans to loans | 0.7395% | 4,942 |
| Net loans and leases to total assets | 71.3373% | 1,675 |
| Net loans and leases to deposits | 83.5953% | 1,917 |
| Net loans and leases to core deposits | 89.5769% | 2,041 |
| Total domestic deposits to total assets | 85.3364% | 3,599 |
| Equity capital to assets | 12.3809% | 1,976 |
| Core capital (leverage) ratio | 8.9001% | 5,196 |
| Tier 1 risk-based capital ratio | 11.6964% | 6,118 |
| Total risk-based capital ratio | 12.3849% | 6,395 |
| Memoranda: | ||
| Average total assets | $463,846,250 | 1,442 |
| Average earning assets | $415,079,750 | 1,468 |
| Average equity | $61,414,000 | 1,171 |
| Average total loans | $328,162,000 | 1,297 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9458% | 1,938 |
| Cost of funding earning assets | 0.5362% | 5,398 |
| Net interest margin | 4.4096% | 1,177 |
| Noninterest income to average assets | 0.2491% | 5,797 |
| Noninterest expense to average assets | 3.4685% | 1,859 |
| Loan and lease loss provision to assets | 0.5329% | 1,169 |
| Net operating income to assets | 0.0981% | 6,166 |
| Return on assets (ROA) | 0.0981% | 6,316 |
| Pretax return on assets | 0.1914% | 6,163 |
| Return on Equity (ROE) | 0.7237% | 6,349 |
| Retained earnings to average equity (ytd only) | 0.7237% | 5,771 |
| Net charge-offs to loans | 0.2354% | 3,159 |
| Credit loss provision to net charge-offs | 321.7158% | 919 |
| Earnings coverage of net charge-offs (x) | 4.3727% | 3,106 |
| Efficiency ratio | 81.1692% | 2,006 |
| Assets per employee ($millions) | 4.2812% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5363% | 6,997 |
| Loan loss allowance to noncurrent loans | 73.8851% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0921% | 4,193 |
| Noncurrent loans to loans | 0.7259% | 5,056 |
| Net loans and leases to total assets | 72.4190% | 1,485 |
| Net loans and leases to deposits | 85.7993% | 1,628 |
| Net loans and leases to core deposits | 92.7895% | 1,706 |
| Total domestic deposits to total assets | 84.4051% | 4,139 |
| Equity capital to assets | 13.1479% | 1,452 |
| Core capital (leverage) ratio | 9.6448% | 3,933 |
| Tier 1 risk-based capital ratio | 12.1687% | 5,820 |
| Total risk-based capital ratio | 12.7125% | 6,214 |
| Memoranda: | ||
| Average total assets | $450,396,670 | 1,478 |
| Average earning assets | $402,805,330 | 1,517 |
| Average equity | $61,077,330 | 1,169 |
| Average total loans | $316,840,330 | 1,338 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 2,086 |
| Cost of funding earning assets | 0.5462% | 5,517 |
| Net interest margin | 4.3938% | 1,241 |
| Noninterest income to average assets | 0.1899% | 6,242 |
| Noninterest expense to average assets | 3.4463% | 1,893 |
| Loan and lease loss provision to assets | 0.4317% | 1,450 |
| Net operating income to assets | 0.1500% | 6,117 |
| Return on assets (ROA) | 0.1500% | 6,249 |
| Pretax return on assets | 0.2599% | 6,062 |
| Return on Equity (ROE) | 1.0881% | 6,329 |
| Retained earnings to average equity (ytd only) | 1.0881% | 5,646 |
| Net charge-offs to loans | 0.2291% | 2,783 |
| Credit loss provision to net charge-offs | 272.9885% | 1,066 |
| Earnings coverage of net charge-offs (x) | 4.3736% | 2,584 |
| Efficiency ratio | 81.6604% | 1,979 |
| Assets per employee ($millions) | 4.4721% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4235% | 7,120 |
| Loan loss allowance to noncurrent loans | 27.9481% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 3,829 |
| Noncurrent loans to loans | 1.5154% | 3,841 |
| Net loans and leases to total assets | 69.7282% | 1,804 |
| Net loans and leases to deposits | 83.2961% | 1,753 |
| Net loans and leases to core deposits | 91.0222% | 1,749 |
| Total domestic deposits to total assets | 83.7112% | 4,632 |
| Equity capital to assets | 13.7328% | 1,126 |
| Core capital (leverage) ratio | 9.5270% | 4,016 |
| Tier 1 risk-based capital ratio | 13.0324% | 5,193 |
| Total risk-based capital ratio | 13.4603% | 5,792 |
| Memoranda: | ||
| Average total assets | $440,127,000 | 1,514 |
| Average earning assets | $395,464,500 | 1,534 |
| Average equity | $60,657,000 | 1,175 |
| Average total loans | $303,817,500 | 1,392 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8308% | 3,662 |
| Cost of funding earning assets | 0.6924% | 5,590 |
| Net interest margin | 4.1384% | 2,273 |
| Noninterest income to average assets | 0.2479% | 5,756 |
| Noninterest expense to average assets | 3.5609% | 1,830 |
| Loan and lease loss provision to assets | 0.2777% | 3,446 |
| Net operating income to assets | 0.0634% | 5,935 |
| Return on assets (ROA) | 0.1498% | 5,873 |
| Pretax return on assets | 0.2114% | 5,754 |
| Return on Equity (ROE) | 1.0220% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.0220% | 5,382 |
| Net charge-offs to loans | 0.0529% | 5,789 |
| Credit loss provision to net charge-offs | 842.1053% | 267 |
| Earnings coverage of net charge-offs (x) | 11.1404% | 1,750 |
| Efficiency ratio | 89.0582% | 1,268 |
| Assets per employee ($millions) | 4.5575% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3400% | 7,198 |
| Loan loss allowance to noncurrent loans | 43.8475% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 5,257 |
| Noncurrent loans to loans | 0.7755% | 5,138 |
| Net loans and leases to total assets | 67.7911% | 2,443 |
| Net loans and leases to deposits | 81.1073% | 2,339 |
| Net loans and leases to core deposits | 88.9230% | 2,260 |
| Total domestic deposits to total assets | 83.5820% | 4,503 |
| Equity capital to assets | 13.8312% | 1,133 |
| Core capital (leverage) ratio | 9.7294% | 3,704 |
| Tier 1 risk-based capital ratio | 13.6917% | 4,563 |
| Total risk-based capital ratio | 14.0400% | 5,229 |
| Memoranda: | ||
| Average total assets | $345,725,800 | 1,875 |
| Average earning assets | $307,463,200 | 1,910 |
| Average equity | $50,686,600 | 1,348 |
| Average total loans | $215,332,000 | 1,909 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 4,053 |
| Cost of funding earning assets | 0.7214% | 5,647 |
| Net interest margin | 4.0705% | 2,598 |
| Noninterest income to average assets | 0.2867% | 5,560 |
| Noninterest expense to average assets | 3.4463% | 2,083 |
| Loan and lease loss provision to assets | 0.2086% | 3,932 |
| Net operating income to assets | 0.2280% | 5,624 |
| Return on assets (ROA) | 0.3573% | 5,362 |
| Pretax return on assets | 0.3573% | 5,583 |
| Return on Equity (ROE) | 2.3913% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.3913% | 4,927 |
| Net charge-offs to loans | 0.0732% | 5,229 |
| Credit loss provision to net charge-offs | 471.9626% | 591 |
| Earnings coverage of net charge-offs (x) | 9.8787% | 1,994 |
| Efficiency ratio | 85.7340% | 1,565 |
| Assets per employee ($millions) | 4.5306% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2358% | 7,319 |
| Loan loss allowance to noncurrent loans | 52.5629% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 6,030 |
| Noncurrent loans to loans | 0.4486% | 5,948 |
| Net loans and leases to total assets | 64.2332% | 3,262 |
| Net loans and leases to deposits | 79.9412% | 2,662 |
| Net loans and leases to core deposits | 89.0043% | 2,356 |
| Total domestic deposits to total assets | 80.3506% | 5,635 |
| Equity capital to assets | 16.3642% | 575 |
| Core capital (leverage) ratio | 11.5717% | 1,975 |
| Tier 1 risk-based capital ratio | 17.1870% | 2,573 |
| Total risk-based capital ratio | 17.4244% | 2,989 |
| Memoranda: | ||
| Average total assets | $322,777,500 | 1,999 |
| Average earning assets | $285,169,000 | 2,063 |
| Average equity | $48,229,750 | 1,419 |
| Average total loans | $194,762,250 | 2,116 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 4,802 |
| Cost of funding earning assets | 0.7193% | 5,836 |
| Net interest margin | 3.9185% | 3,223 |
| Noninterest income to average assets | 0.3236% | 5,306 |
| Noninterest expense to average assets | 3.2669% | 2,677 |
| Loan and lease loss provision to assets | 0.2055% | 3,867 |
| Net operating income to assets | 0.3132% | 5,319 |
| Return on assets (ROA) | 0.3132% | 5,459 |
| Pretax return on assets | 0.3132% | 5,640 |
| Return on Equity (ROE) | 2.1798% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.1798% | 4,900 |
| Net charge-offs to loans | 0.0700% | 4,938 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 12.6190% | 1,614 |
| Efficiency ratio | 83.4195% | 1,895 |
| Assets per employee ($millions) | 4.7607% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1828% | 7,397 |
| Loan loss allowance to noncurrent loans | 35.8183% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 5,957 |
| Noncurrent loans to loans | 0.5103% | 5,879 |
| Net loans and leases to total assets | 61.4770% | 3,994 |
| Net loans and leases to deposits | 74.6849% | 3,693 |
| Net loans and leases to core deposits | 87.3689% | 2,722 |
| Total domestic deposits to total assets | 82.3153% | 5,054 |
| Equity capital to assets | 14.4440% | 957 |
| Core capital (leverage) ratio | 9.9591% | 3,315 |
| Tier 1 risk-based capital ratio | 14.5117% | 3,776 |
| Total risk-based capital ratio | 14.6918% | 4,560 |
| Memoranda: | ||
| Average total assets | $306,532,670 | 2,104 |
| Average earning assets | $270,818,670 | 2,173 |
| Average equity | $44,041,330 | 1,527 |
| Average total loans | $179,950,330 | 2,284 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 7,069 |
| Cost of funding earning assets | 0.5804% | 6,687 |
| Net interest margin | 3.1184% | 6,295 |
| Noninterest income to average assets | 0.2160% | 6,192 |
| Noninterest expense to average assets | 2.7899% | 4,488 |
| Loan and lease loss provision to assets | 0.0803% | 5,005 |
| Net operating income to assets | 0.1211% | 6,036 |
| Return on assets (ROA) | 0.1211% | 6,095 |
| Pretax return on assets | 0.1211% | 6,126 |
| Return on Equity (ROE) | 0.8460% | 6,180 |
| Retained earnings to average equity (ytd only) | 0.8460% | 5,491 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2683% | 1,081 |
| Assets per employee ($millions) | 4.7325% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1051% | 7,475 |
| Loan loss allowance to noncurrent loans | 14.1667% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 5,453 |
| Noncurrent loans to loans | 0.7420% | 5,530 |
| Net loans and leases to total assets | 59.9710% | 4,266 |
| Net loans and leases to deposits | 73.5317% | 3,843 |
| Net loans and leases to core deposits | 83.6621% | 3,214 |
| Total domestic deposits to total assets | 81.5580% | 5,476 |
| Equity capital to assets | 15.0783% | 746 |
| Core capital (leverage) ratio | 18.0968% | 328 |
| Tier 1 risk-based capital ratio | 14.4109% | 3,797 |
| Total risk-based capital ratio | 14.5068% | 4,591 |
| Memoranda: | ||
| Average total assets | $274,130,500 | 2,355 |
| Average earning assets | $243,973,000 | 2,408 |
| Average equity | $39,244,000 | 1,691 |
| Average total loans | $155,573,000 | 2,621 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7278% | 7,579 |
| Cost of funding earning assets | 0.3239% | 7,487 |
| Net interest margin | 1.4039% | 7,556 |
| Noninterest income to average assets | 0.1184% | 6,813 |
| Noninterest expense to average assets | 1.5096% | 7,443 |
| Loan and lease loss provision to assets | 0.1062% | 6,084 |
| Net operating income to assets | -0.2105% | 6,125 |
| Return on assets (ROA) | -0.2105% | 6,179 |
| Pretax return on assets | -0.2105% | 6,094 |
| Return on Equity (ROE) | -1.9421% | 6,166 |
| Retained earnings to average equity (ytd only) | -1.9421% | 5,961 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4226% | 590 |
| Assets per employee ($millions) | 4.8306% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1645% | 7,537 |
| Loan loss allowance to noncurrent loans | 45.6044% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 6,397 |
| Noncurrent loans to loans | 0.3607% | 6,340 |
| Net loans and leases to total assets | 50.8631% | 6,058 |
| Net loans and leases to deposits | 62.2687% | 5,827 |
| Net loans and leases to core deposits | 66.8580% | 5,789 |
| Total domestic deposits to total assets | 81.6834% | 5,297 |
| Equity capital to assets | 12.9676% | 1,402 |
| Core capital (leverage) ratio | 8.2722% | 5,722 |
| Tier 1 risk-based capital ratio | 13.2813% | 4,389 |
| Total risk-based capital ratio | 13.4281% | 5,286 |
| Memoranda: | ||
| Average total assets | $156,269,000 | 3,771 |
| Average earning assets | $143,242,400 | 3,757 |
| Average equity | $16,940,200 | 3,602 |
| Average total loans | $91,809,600 | 4,010 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4959% | 7,739 |
| Cost of funding earning assets | 0.1012% | 7,704 |
| Net interest margin | 0.3947% | 7,730 |
| Noninterest income to average assets | 0.0393% | 7,327 |
| Noninterest expense to average assets | 0.4645% | 7,735 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0174% | 5,964 |
| Return on assets (ROA) | 0.0192% | 6,079 |
| Pretax return on assets | -0.0585% | 6,175 |
| Return on Equity (ROE) | 0.1898% | 6,073 |
| Retained earnings to average equity (ytd only) | 0.1898% | 5,701 |
| Net charge-offs to loans | 0.2800% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -0.3564% | 6,272 |
| Efficiency ratio | 115.1927% | 445 |
| Assets per employee ($millions) | 4.2715% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 6,359 |
| Noncurrent loans to loans | 0.3993% | 6,400 |
| Net loans and leases to total assets | 51.7612% | 6,126 |
| Net loans and leases to deposits | 65.6982% | 5,702 |
| Net loans and leases to core deposits | 70.3397% | 5,711 |
| Total domestic deposits to total assets | 78.7864% | 6,069 |
| Equity capital to assets | 14.8676% | 926 |
| Core capital (leverage) ratio | 10.4463% | 2,746 |
| Tier 1 risk-based capital ratio | 14.6925% | 3,396 |
| Total risk-based capital ratio | 14.6925% | 4,190 |
| Memoranda: | ||
| Average total assets | $145,822,500 | 4,007 |
| Average earning assets | $134,433,500 | 3,981 |
| Average equity | $14,754,500 | 4,046 |
| Average total loans | $89,536,250 | 4,129 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 3,217 |
| Cost of funding earning assets | 1.2927% | 4,580 |
| Net interest margin | 4.0566% | 2,764 |
| Noninterest income to average assets | 0.3763% | 5,115 |
| Noninterest expense to average assets | 3.5383% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4204% | 4,659 |
| Return on assets (ROA) | 0.4204% | 4,814 |
| Pretax return on assets | 0.6483% | 4,404 |
| Return on Equity (ROE) | 5.2032% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.2032% | 2,773 |
| Net charge-offs to loans | 0.0090% | 6,227 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 110.2500% | 303 |
| Efficiency ratio | 84.5154% | 1,861 |
| Assets per employee ($millions) | 4.7153% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 5,616 |
| Loan loss allowance to noncurrent loans | 181.3036% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 6,018 |
| Noncurrent loans to loans | 0.6443% | 5,967 |
| Net loans and leases to total assets | 63.2219% | 4,413 |
| Net loans and leases to deposits | 74.7324% | 4,562 |
| Net loans and leases to core deposits | 83.9952% | 4,143 |
| Total domestic deposits to total assets | 84.5977% | 3,821 |
| Equity capital to assets | 8.0285% | 6,728 |
| Core capital (leverage) ratio | 7.7908% | 6,510 |
| Tier 1 risk-based capital ratio | 13.3605% | 4,160 |
| Total risk-based capital ratio | 14.6130% | 4,123 |
| Memoranda: | ||
| Average total assets | $136,052,330 | 4,210 |
| Average earning assets | $127,790,670 | 4,141 |
| Average equity | $10,993,330 | 4,922 |
| Average total loans | $89,164,670 | 4,169 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3958% | 3,053 |
| Cost of funding earning assets | 1.3012% | 4,805 |
| Net interest margin | 4.0946% | 2,465 |
| Noninterest income to average assets | 0.4499% | 4,467 |
| Noninterest expense to average assets | 3.6026% | 1,730 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4589% | 4,578 |
| Return on assets (ROA) | 0.4589% | 4,701 |
| Pretax return on assets | 0.7079% | 4,204 |
| Return on Equity (ROE) | 5.6606% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.6606% | 2,779 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5769% | 2,064 |
| Assets per employee ($millions) | 4.5078% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 5,492 |
| Loan loss allowance to noncurrent loans | 173.9344% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 5,927 |
| Noncurrent loans to loans | 0.6905% | 5,951 |
| Net loans and leases to total assets | 64.5400% | 4,208 |
| Net loans and leases to deposits | 76.5889% | 4,304 |
| Net loans and leases to core deposits | 83.4888% | 4,271 |
| Total domestic deposits to total assets | 84.2680% | 4,009 |
| Equity capital to assets | 8.0845% | 6,562 |
| Core capital (leverage) ratio | 7.9727% | 6,273 |
| Tier 1 risk-based capital ratio | 13.2739% | 4,147 |
| Total risk-based capital ratio | 14.5368% | 4,081 |
| Memoranda: | ||
| Average total assets | $133,349,000 | 4,338 |
| Average earning assets | $125,727,000 | 4,246 |
| Average equity | $10,811,500 | 5,025 |
| Average total loans | $88,502,000 | 4,242 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7413% | 2,904 |
| Cost of funding earning assets | 1.8033% | 3,977 |
| Net interest margin | 3.9379% | 3,128 |
| Noninterest income to average assets | 0.3369% | 5,681 |
| Noninterest expense to average assets | 3.5614% | 2,241 |
| Loan and lease loss provision to assets | 0.3711% | 4,559 |
| Net operating income to assets | 0.5876% | 3,373 |
| Return on assets (ROA) | 0.9310% | 2,133 |
| Pretax return on assets | 0.4533% | 4,340 |
| Return on Equity (ROE) | 11.8894% | 1,192 |
| Retained earnings to average equity (ytd only) | 11.8894% | 216 |
| Net charge-offs to loans | 0.2349% | 5,156 |
| Credit loss provision to net charge-offs | 232.6531% | 1,571 |
| Earnings coverage of net charge-offs (x) | 3.0153% | 3,574 |
| Efficiency ratio | 88.1015% | 1,870 |
| Assets per employee ($millions) | 4.6951% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,383 |
| Loan loss allowance to noncurrent loans | 114.5788% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8945% | 5,311 |
| Noncurrent loans to loans | 1.0444% | 5,231 |
| Net loans and leases to total assets | 66.6357% | 4,008 |
| Net loans and leases to deposits | 79.3575% | 4,110 |
| Net loans and leases to core deposits | 100.3563% | 3,960 |
| Total domestic deposits to total assets | 83.9690% | 4,040 |
| Equity capital to assets | 8.1315% | 6,426 |
| Core capital (leverage) ratio | 8.0800% | 6,033 |
| Tier 1 risk-based capital ratio | 13.1595% | 4,038 |
| Total risk-based capital ratio | 14.4221% | 3,979 |
| Memoranda: | ||
| Average total assets | $122,874,400 | 4,495 |
| Average earning assets | $115,619,400 | 4,406 |
| Average equity | $9,622,000 | 5,407 |
| Average total loans | $83,429,800 | 4,400 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7796% | 2,984 |
| Cost of funding earning assets | 1.9293% | 3,728 |
| Net interest margin | 3.8504% | 3,430 |
| Noninterest income to average assets | 0.3280% | 5,861 |
| Noninterest expense to average assets | 3.6180% | 1,990 |
| Loan and lease loss provision to assets | 0.3125% | 4,474 |
| Net operating income to assets | 0.5732% | 3,715 |
| Return on assets (ROA) | 0.8603% | 2,639 |
| Pretax return on assets | 0.3081% | 5,043 |
| Return on Equity (ROE) | 11.1025% | 1,594 |
| Retained earnings to average equity (ytd only) | 11.1025% | 461 |
| Net charge-offs to loans | 0.2435% | 4,524 |
| Credit loss provision to net charge-offs | 188.6667% | 2,411 |
| Earnings coverage of net charge-offs (x) | 2.0133% | 4,310 |
| Efficiency ratio | 91.5595% | 1,574 |
| Assets per employee ($millions) | 4.6296% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 5,630 |
| Loan loss allowance to noncurrent loans | 864.8148% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 6,782 |
| Noncurrent loans to loans | 0.1289% | 7,156 |
| Net loans and leases to total assets | 66.2640% | 4,367 |
| Net loans and leases to deposits | 79.4540% | 4,486 |
| Net loans and leases to core deposits | 102.8637% | 4,065 |
| Total domestic deposits to total assets | 83.3992% | 4,020 |
| Equity capital to assets | 8.2352% | 6,591 |
| Core capital (leverage) ratio | 7.9954% | 6,367 |
| Tier 1 risk-based capital ratio | 13.3824% | 3,940 |
| Total risk-based capital ratio | 14.6234% | 3,888 |
| Memoranda: | ||
| Average total assets | $120,727,000 | 4,574 |
| Average earning assets | $113,614,250 | 4,493 |
| Average equity | $9,355,000 | 5,536 |
| Average total loans | $82,121,500 | 4,480 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8195% | 2,958 |
| Cost of funding earning assets | 2.0338% | 3,602 |
| Net interest margin | 3.7857% | 3,607 |
| Noninterest income to average assets | 0.2984% | 6,127 |
| Noninterest expense to average assets | 3.6261% | 2,010 |
| Loan and lease loss provision to assets | 0.0939% | 6,231 |
| Net operating income to assets | 0.1358% | 5,462 |
| Return on assets (ROA) | 0.2850% | 5,064 |
| Pretax return on assets | 0.2850% | 5,239 |
| Return on Equity (ROE) | 3.7602% | 4,595 |
| Retained earnings to average equity (ytd only) | 3.7602% | 3,205 |
| Net charge-offs to loans | -0.0294% | 7,775 |
| Credit loss provision to net charge-offs | -466.6667% | 7,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0435% | 1,491 |
| Assets per employee ($millions) | 4.6760% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 5,902 |
| Loan loss allowance to noncurrent loans | 71.9371% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 5,065 |
| Noncurrent loans to loans | 1.4615% | 4,303 |
| Net loans and leases to total assets | 64.7815% | 4,815 |
| Net loans and leases to deposits | 77.2211% | 4,992 |
| Net loans and leases to core deposits | 101.2102% | 4,379 |
| Total domestic deposits to total assets | 83.8909% | 3,827 |
| Equity capital to assets | 7.6989% | 7,075 |
| Core capital (leverage) ratio | 7.8007% | 6,612 |
| Tier 1 risk-based capital ratio | 12.8141% | 4,278 |
| Total risk-based capital ratio | 13.9824% | 4,249 |
| Memoranda: | ||
| Average total assets | $119,302,670 | 4,658 |
| Average earning assets | $112,106,000 | 4,568 |
| Average equity | $9,042,000 | 5,669 |
| Average total loans | $81,574,000 | 4,539 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9836% | 2,429 |
| Cost of funding earning assets | 2.0876% | 3,707 |
| Net interest margin | 3.8959% | 3,055 |
| Noninterest income to average assets | 0.3039% | 6,006 |
| Noninterest expense to average assets | 3.6019% | 1,862 |
| Loan and lease loss provision to assets | 0.1934% | 4,501 |
| Net operating income to assets | 0.1692% | 5,757 |
| Return on assets (ROA) | 0.2486% | 5,659 |
| Pretax return on assets | 0.2486% | 5,827 |
| Return on Equity (ROE) | 3.3092% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.3092% | 4,038 |
| Net charge-offs to loans | -0.0444% | 7,662 |
| Credit loss provision to net charge-offs | -622.2222% | 6,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8537% | 1,659 |
| Assets per employee ($millions) | 4.6367% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 5,648 |
| Loan loss allowance to noncurrent loans | 84.4878% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 4,984 |
| Noncurrent loans to loans | 1.2730% | 4,437 |
| Net loans and leases to total assets | 68.7173% | 3,966 |
| Net loans and leases to deposits | 84.5999% | 3,879 |
| Net loans and leases to core deposits | 113.9703% | 3,012 |
| Total domestic deposits to total assets | 81.2262% | 4,879 |
| Equity capital to assets | 7.5226% | 7,333 |
| Core capital (leverage) ratio | 7.3048% | 7,376 |
| Tier 1 risk-based capital ratio | 11.4965% | 5,419 |
| Total risk-based capital ratio | 12.6809% | 5,372 |
| Memoranda: | ||
| Average total assets | $115,828,000 | 4,757 |
| Average earning assets | $108,831,000 | 4,672 |
| Average equity | $8,703,000 | 5,811 |
| Average total loans | $81,032,500 | 4,580 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3996% | 3,419 |
| Cost of funding earning assets | 2.4491% | 4,475 |
| Net interest margin | 3.9505% | 3,359 |
| Noninterest income to average assets | 0.3283% | 6,093 |
| Noninterest expense to average assets | 3.9819% | 1,448 |
| Loan and lease loss provision to assets | 0.6621% | 2,190 |
| Net operating income to assets | -0.6303% | 7,024 |
| Return on assets (ROA) | -0.6039% | 6,899 |
| Pretax return on assets | -0.6039% | 6,737 |
| Return on Equity (ROE) | -7.5936% | 7,104 |
| Retained earnings to average equity (ytd only) | -7.5936% | 6,849 |
| Net charge-offs to loans | 0.5551% | 2,159 |
| Credit loss provision to net charge-offs | 172.1040% | 2,972 |
| Earnings coverage of net charge-offs (x) | 0.0827% | 6,198 |
| Efficiency ratio | 99.2069% | 1,012 |
| Assets per employee ($millions) | 4.4515% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 6,191 |
| Loan loss allowance to noncurrent loans | 252.6814% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 5,490 |
| Noncurrent loans to loans | 0.3887% | 6,179 |
| Net loans and leases to total assets | 69.7630% | 4,070 |
| Net loans and leases to deposits | 86.0066% | 4,118 |
| Net loans and leases to core deposits | 113.8476% | 3,357 |
| Total domestic deposits to total assets | 81.1135% | 4,589 |
| Equity capital to assets | 7.5048% | 7,374 |
| Core capital (leverage) ratio | 7.1261% | 7,592 |
| Tier 1 risk-based capital ratio | 10.8195% | 5,886 |
| Total risk-based capital ratio | 11.8592% | 5,991 |
| Memoranda: | ||
| Average total assets | $109,946,600 | 4,788 |
| Average earning assets | $102,568,200 | 4,726 |
| Average equity | $8,744,200 | 5,832 |
| Average total loans | $76,198,200 | 4,644 |