Home > West Texas National Bank > Performance and Condition Ratios
West Texas National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 1,307 |
| Cost of funding earning assets | 1.6398% | 1,593 |
| Net interest margin | 3.7622% | 1,621 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.8104% | 3,992 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 1.7233% | 700 |
| Return on assets (ROA) | 1.6915% | 709 |
| Pretax return on assets | 1.6915% | 1,078 |
| Return on Equity (ROE) | 21.2400% | 524 |
| Retained earnings to average equity (ytd only) | 20.1292% | 130 |
| Net charge-offs to loans | -0.0243% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.1161% | 4,142 |
| Assets per employee ($millions) | 11.6769% | 447 |
| Cash dividends to net income (ytd only)* | 5.2378% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7149% | 637 |
| Loan loss allowance to noncurrent loans | 55.5056% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.6931% | 204 |
| Noncurrent loans to loans | 3.0896% | 138 |
| Net loans and leases to total assets | 53.8600% | 3,360 |
| Net loans and leases to deposits | 60.2667% | 3,505 |
| Net loans and leases to core deposits | 63.0891% | 3,635 |
| Total domestic deposits to total assets | 89.3700% | 958 |
| Equity capital to assets | 8.5655% | 3,001 |
| Core capital (leverage) ratio | 9.7004% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4654% | 1,401 |
| Memoranda: | ||
| Average total assets | $2,257,360,400 | 508 |
| Average earning assets | $2,143,967,600 | 492 |
| Average equity | $179,759,200 | 590 |
| Average total loans | $1,222,525,000 | 620 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3254% | 1,250 |
| Cost of funding earning assets | 1.5383% | 1,511 |
| Net interest margin | 3.7871% | 1,628 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.8003% | 3,974 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 1.6447% | 870 |
| Return on assets (ROA) | 1.5992% | 936 |
| Pretax return on assets | 1.5992% | 1,360 |
| Return on Equity (ROE) | 20.5100% | 675 |
| Retained earnings to average equity (ytd only) | 19.7359% | 267 |
| Net charge-offs to loans | -0.0407% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.5842% | 4,104 |
| Assets per employee ($millions) | 10.5263% | 570 |
| Cash dividends to net income (ytd only)* | 3.7648% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 687 |
| Loan loss allowance to noncurrent loans | 87.3745% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 387 |
| Noncurrent loans to loans | 1.9530% | 320 |
| Net loans and leases to total assets | 59.0900% | 2,930 |
| Net loans and leases to deposits | 71.5434% | 2,737 |
| Net loans and leases to core deposits | 75.4059% | 2,910 |
| Total domestic deposits to total assets | 82.5900% | 3,093 |
| Equity capital to assets | 8.1708% | 2,950 |
| Core capital (leverage) ratio | 9.3947% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7532% | 1,647 |
| Memoranda: | ||
| Average total assets | $2,214,502,750 | 515 |
| Average earning assets | $2,100,839,000 | 499 |
| Average equity | $172,689,500 | 604 |
| Average total loans | $1,195,406,250 | 626 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 1,383 |
| Cost of funding earning assets | 1.3494% | 1,582 |
| Net interest margin | 3.7447% | 1,727 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.7988% | 4,002 |
| Loan and lease loss provision to assets | 0.6300% | 113 |
| Net operating income to assets | 1.3288% | 1,497 |
| Return on assets (ROA) | 1.3311% | 1,476 |
| Pretax return on assets | 1.3311% | 1,987 |
| Return on Equity (ROE) | 17.3500% | 1,041 |
| Retained earnings to average equity (ytd only) | 16.1689% | 453 |
| Net charge-offs to loans | -0.0666% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.8583% | 4,075 |
| Assets per employee ($millions) | 11.9635% | 379 |
| Cash dividends to net income (ytd only)* | 6.8023% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 629 |
| Loan loss allowance to noncurrent loans | 88.7617% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 369 |
| Noncurrent loans to loans | 2.0149% | 277 |
| Net loans and leases to total assets | 55.9700% | 3,122 |
| Net loans and leases to deposits | 65.4948% | 3,091 |
| Net loans and leases to core deposits | 68.5776% | 3,203 |
| Total domestic deposits to total assets | 85.4500% | 2,410 |
| Equity capital to assets | 7.6835% | 3,412 |
| Core capital (leverage) ratio | 9.0113% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0070% | 1,894 |
| Memoranda: | ||
| Average total assets | $2,208,812,667 | 502 |
| Average earning assets | $2,097,146,667 | 487 |
| Average equity | $169,473,667 | 609 |
| Average total loans | $1,146,690,000 | 642 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8018% | 1,611 |
| Cost of funding earning assets | 0.9666% | 2,164 |
| Net interest margin | 3.8352% | 1,612 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.8646% | 3,926 |
| Loan and lease loss provision to assets | 0.3800% | 213 |
| Net operating income to assets | 1.6861% | 843 |
| Return on assets (ROA) | 1.6882% | 836 |
| Pretax return on assets | 1.6882% | 1,292 |
| Return on Equity (ROE) | 22.0200% | 579 |
| Retained earnings to average equity (ytd only) | 19.6088% | 400 |
| Net charge-offs to loans | 0.0053% | 1,777 |
| Credit loss provision to net charge-offs | 10,607.1429% | 44 |
| Earnings coverage of net charge-offs (x) | 797.2143% | 139 |
| Efficiency ratio | 47.4826% | 4,121 |
| Assets per employee ($millions) | 13.2216% | 293 |
| Cash dividends to net income (ytd only)* | 10.9457% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 847 |
| Loan loss allowance to noncurrent loans | 659.1405% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 2,619 |
| Noncurrent loans to loans | 0.2556% | 2,231 |
| Net loans and leases to total assets | 49.1600% | 3,551 |
| Net loans and leases to deposits | 53.9424% | 3,689 |
| Net loans and leases to core deposits | 56.3810% | 3,721 |
| Total domestic deposits to total assets | 91.1400% | 757 |
| Equity capital to assets | 7.7365% | 3,420 |
| Core capital (leverage) ratio | 9.2325% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6505% | 1,452 |
| Memoranda: | ||
| Average total assets | $2,164,727,000 | 525 |
| Average earning assets | $2,057,459,500 | 506 |
| Average equity | $165,966,000 | 629 |
| Average total loans | $1,065,566,500 | 689 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 3,165 |
| Cost of funding earning assets | 0.3263% | 2,670 |
| Net interest margin | 3.1395% | 3,061 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.8440% | 3,943 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.5086% | 864 |
| Return on assets (ROA) | 1.5083% | 833 |
| Pretax return on assets | 1.5083% | 1,426 |
| Return on Equity (ROE) | 18.6800% | 611 |
| Retained earnings to average equity (ytd only) | 15.5121% | 254 |
| Net charge-offs to loans | -0.1067% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.1284% | 3,669 |
| Assets per employee ($millions) | 11.7778% | 416 |
| Cash dividends to net income (ytd only)* | 16.9768% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 863 |
| Loan loss allowance to noncurrent loans | 551.7286% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,520 |
| Noncurrent loans to loans | 0.3005% | 2,062 |
| Net loans and leases to total assets | 47.6000% | 3,696 |
| Net loans and leases to deposits | 52.1858% | 3,791 |
| Net loans and leases to core deposits | 53.4185% | 3,838 |
| Total domestic deposits to total assets | 91.2100% | 868 |
| Equity capital to assets | 7.5934% | 3,328 |
| Core capital (leverage) ratio | 9.1499% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1868% | 1,317 |
| Memoranda: | ||
| Average total assets | $1,952,641,800 | 565 |
| Average earning assets | $1,849,764,800 | 544 |
| Average equity | $157,631,600 | 655 |
| Average total loans | $933,562,400 | 728 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0882% | 3,697 |
| Cost of funding earning assets | 0.2084% | 3,172 |
| Net interest margin | 2.8798% | 3,541 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.7859% | 4,007 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2691% | 1,457 |
| Return on assets (ROA) | 1.2679% | 1,426 |
| Pretax return on assets | 1.2679% | 2,147 |
| Return on Equity (ROE) | 15.4500% | 1,090 |
| Retained earnings to average equity (ytd only) | 15.4535% | 325 |
| Net charge-offs to loans | 0.0101% | 1,744 |
| Credit loss provision to net charge-offs | 1,521.7391% | 301 |
| Earnings coverage of net charge-offs (x) | 279.2174% | 500 |
| Efficiency ratio | 57.0913% | 3,501 |
| Assets per employee ($millions) | 11.4849% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 687 |
| Loan loss allowance to noncurrent loans | 239.6964% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 1,523 |
| Noncurrent loans to loans | 0.7658% | 1,061 |
| Net loans and leases to total assets | 45.6300% | 3,784 |
| Net loans and leases to deposits | 50.0502% | 3,850 |
| Net loans and leases to core deposits | 51.1142% | 3,898 |
| Total domestic deposits to total assets | 91.1800% | 1,164 |
| Equity capital to assets | 7.6271% | 3,137 |
| Core capital (leverage) ratio | 9.1669% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8469% | 1,209 |
| Memoranda: | ||
| Average total assets | $1,913,745,750 | 577 |
| Average earning assets | $1,812,146,500 | 556 |
| Average equity | $157,017,750 | 663 |
| Average total loans | $911,841,750 | 742 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7736% | 4,021 |
| Cost of funding earning assets | 0.1330% | 3,805 |
| Net interest margin | 2.6406% | 3,831 |
| Noninterest income to average assets | 0.4332% | 2,552 |
| Noninterest expense to average assets | 1.6903% | 4,157 |
| Loan and lease loss provision to assets | 0.0796% | 1,225 |
| Net operating income to assets | 1.1638% | 1,561 |
| Return on assets (ROA) | 1.1630% | 1,537 |
| Pretax return on assets | 1.1630% | 2,195 |
| Return on Equity (ROE) | 13.8303% | 1,155 |
| Retained earnings to average equity (ytd only) | 13.8303% | 378 |
| Net charge-offs to loans | 0.0031% | 1,953 |
| Credit loss provision to net charge-offs | 5,357.1429% | 106 |
| Earnings coverage of net charge-offs (x) | 837.2857% | 160 |
| Efficiency ratio | 57.6180% | 3,612 |
| Assets per employee ($millions) | 11.0723% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 740 |
| Loan loss allowance to noncurrent loans | 205.1263% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 1,339 |
| Noncurrent loans to loans | 0.9018% | 935 |
| Net loans and leases to total assets | 46.2850% | 3,696 |
| Net loans and leases to deposits | 51.0237% | 3,760 |
| Net loans and leases to core deposits | 52.2323% | 3,807 |
| Total domestic deposits to total assets | 90.7127% | 1,377 |
| Equity capital to assets | 8.0982% | 3,041 |
| Core capital (leverage) ratio | 9.0241% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9624% | 1,198 |
| Memoranda: | ||
| Average total assets | $1,885,535,333 | 582 |
| Average earning assets | $1,785,481,333 | 560 |
| Average equity | $158,550,667 | 665 |
| Average total loans | $906,125,667 | 731 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4962% | 4,271 |
| Cost of funding earning assets | 0.0989% | 4,143 |
| Net interest margin | 2.3974% | 4,073 |
| Noninterest income to average assets | 0.5722% | 1,813 |
| Noninterest expense to average assets | 1.6896% | 4,148 |
| Loan and lease loss provision to assets | 0.0643% | 1,263 |
| Net operating income to assets | 1.0904% | 1,549 |
| Return on assets (ROA) | 1.0887% | 1,552 |
| Pretax return on assets | 1.0887% | 2,178 |
| Return on Equity (ROE) | 12.7045% | 1,109 |
| Retained earnings to average equity (ytd only) | 12.7045% | 502 |
| Net charge-offs to loans | 0.0044% | 1,601 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 538.4000% | 192 |
| Efficiency ratio | 59.4028% | 3,545 |
| Assets per employee ($millions) | 11.5387% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 944 |
| Loan loss allowance to noncurrent loans | 207.6933% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 1,482 |
| Noncurrent loans to loans | 0.8475% | 1,104 |
| Net loans and leases to total assets | 47.3870% | 3,455 |
| Net loans and leases to deposits | 52.2390% | 3,553 |
| Net loans and leases to core deposits | 53.3769% | 3,642 |
| Total domestic deposits to total assets | 90.7119% | 1,175 |
| Equity capital to assets | 8.1158% | 3,480 |
| Core capital (leverage) ratio | 8.4319% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5853% | 1,622 |
| Memoranda: | ||
| Average total assets | $1,865,012,000 | 591 |
| Average earning assets | $1,767,611,500 | 566 |
| Average equity | $159,817,000 | 678 |
| Average total loans | $904,926,000 | 722 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8909% | 4,067 |
| Cost of funding earning assets | 0.0955% | 4,414 |
| Net interest margin | 2.7954% | 3,673 |
| Noninterest income to average assets | 0.3453% | 3,354 |
| Noninterest expense to average assets | 1.9971% | 3,686 |
| Loan and lease loss provision to assets | 0.1452% | 821 |
| Net operating income to assets | 0.8538% | 3,176 |
| Return on assets (ROA) | 0.7502% | 3,552 |
| Pretax return on assets | 0.7502% | 3,839 |
| Return on Equity (ROE) | 7.0656% | 3,498 |
| Retained earnings to average equity (ytd only) | 4.7143% | 2,913 |
| Net charge-offs to loans | 0.0366% | 1,517 |
| Credit loss provision to net charge-offs | 719.8697% | 652 |
| Earnings coverage of net charge-offs (x) | 49.5277% | 1,304 |
| Efficiency ratio | 66.6572% | 2,170 |
| Assets per employee ($millions) | 10.2447% | 620 |
| Cash dividends to net income (ytd only)* | 33.2779% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 822 |
| Loan loss allowance to noncurrent loans | 199.0956% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 1,477 |
| Noncurrent loans to loans | 0.9169% | 1,103 |
| Net loans and leases to total assets | 47.9346% | 3,497 |
| Net loans and leases to deposits | 52.8594% | 3,675 |
| Net loans and leases to core deposits | 54.1304% | 3,746 |
| Total domestic deposits to total assets | 90.6833% | 628 |
| Equity capital to assets | 9.0538% | 3,562 |
| Core capital (leverage) ratio | 8.8895% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6422% | 1,636 |
| Memoranda: | ||
| Average total assets | $1,522,034,400 | 675 |
| Average earning assets | $1,443,319,200 | 662 |
| Average equity | $161,613,800 | 669 |
| Average total loans | $837,924,200 | 768 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9510% | 4,079 |
| Cost of funding earning assets | 0.0989% | 4,515 |
| Net interest margin | 2.8522% | 3,652 |
| Noninterest income to average assets | 0.3450% | 3,387 |
| Noninterest expense to average assets | 2.0754% | 3,437 |
| Loan and lease loss provision to assets | 0.1479% | 767 |
| Net operating income to assets | 0.8243% | 3,458 |
| Return on assets (ROA) | 0.8271% | 3,517 |
| Pretax return on assets | 0.8271% | 3,840 |
| Return on Equity (ROE) | 7.4487% | 3,548 |
| Retained earnings to average equity (ytd only) | 4.7193% | 3,325 |
| Net charge-offs to loans | 0.0456% | 1,209 |
| Credit loss provision to net charge-offs | 568.9046% | 722 |
| Earnings coverage of net charge-offs (x) | 37.4028% | 1,411 |
| Efficiency ratio | 68.1011% | 1,816 |
| Assets per employee ($millions) | 9.1149% | 858 |
| Cash dividends to net income (ytd only)* | 36.6422% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 813 |
| Loan loss allowance to noncurrent loans | 180.0070% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 1,402 |
| Noncurrent loans to loans | 1.0377% | 1,095 |
| Net loans and leases to total assets | 51.6252% | 3,235 |
| Net loans and leases to deposits | 57.7715% | 3,428 |
| Net loans and leases to core deposits | 59.3113% | 3,531 |
| Total domestic deposits to total assets | 89.3611% | 1,094 |
| Equity capital to assets | 10.3541% | 2,565 |
| Core capital (leverage) ratio | 10.0784% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7397% | 1,411 |
| Memoranda: | ||
| Average total assets | $1,451,776,750 | 709 |
| Average earning assets | $1,375,567,500 | 693 |
| Average equity | $161,205,750 | 678 |
| Average total loans | $827,314,500 | 795 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0086% | 4,030 |
| Cost of funding earning assets | 0.1015% | 4,573 |
| Net interest margin | 2.9071% | 3,562 |
| Noninterest income to average assets | 0.3512% | 3,356 |
| Noninterest expense to average assets | 2.1327% | 3,293 |
| Loan and lease loss provision to assets | 0.1220% | 1,035 |
| Net operating income to assets | 0.8497% | 3,369 |
| Return on assets (ROA) | 0.8539% | 3,431 |
| Pretax return on assets | 0.8539% | 3,761 |
| Return on Equity (ROE) | 7.5008% | 3,529 |
| Retained earnings to average equity (ytd only) | 4.3858% | 3,403 |
| Net charge-offs to loans | 0.0653% | 965 |
| Credit loss provision to net charge-offs | 318.5185% | 862 |
| Earnings coverage of net charge-offs (x) | 25.3741% | 1,409 |
| Efficiency ratio | 68.6983% | 1,796 |
| Assets per employee ($millions) | 8.1623% | 1,136 |
| Cash dividends to net income (ytd only)* | 41.5282% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 955 |
| Loan loss allowance to noncurrent loans | 209.5414% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 1,709 |
| Noncurrent loans to loans | 0.8392% | 1,465 |
| Net loans and leases to total assets | 57.3930% | 2,739 |
| Net loans and leases to deposits | 64.9300% | 2,904 |
| Net loans and leases to core deposits | 66.7582% | 3,048 |
| Total domestic deposits to total assets | 88.3921% | 1,623 |
| Equity capital to assets | 11.2319% | 1,807 |
| Core capital (leverage) ratio | 10.2894% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0719% | 1,322 |
| Memoranda: | ||
| Average total assets | $1,410,075,667 | 725 |
| Average earning assets | $1,335,427,000 | 704 |
| Average equity | $160,517,000 | 674 |
| Average total loans | $826,565,000 | 797 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0749% | 3,936 |
| Cost of funding earning assets | 0.1055% | 4,622 |
| Net interest margin | 2.9694% | 3,335 |
| Noninterest income to average assets | 0.3411% | 3,392 |
| Noninterest expense to average assets | 2.1354% | 3,314 |
| Loan and lease loss provision to assets | 0.1174% | 1,167 |
| Net operating income to assets | 0.9015% | 3,122 |
| Return on assets (ROA) | 0.9081% | 3,186 |
| Pretax return on assets | 0.9081% | 3,582 |
| Return on Equity (ROE) | 7.9226% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.7995% | 3,286 |
| Net charge-offs to loans | 0.0054% | 1,711 |
| Credit loss provision to net charge-offs | 3,727.2727% | 154 |
| Earnings coverage of net charge-offs (x) | 323.4545% | 281 |
| Efficiency ratio | 67.6986% | 1,972 |
| Assets per employee ($millions) | 8.3890% | 1,040 |
| Cash dividends to net income (ytd only)* | 39.4197% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 935 |
| Loan loss allowance to noncurrent loans | 188.3616% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 1,739 |
| Noncurrent loans to loans | 0.9307% | 1,453 |
| Net loans and leases to total assets | 57.5812% | 2,847 |
| Net loans and leases to deposits | 65.1627% | 3,009 |
| Net loans and leases to core deposits | 66.6134% | 3,193 |
| Total domestic deposits to total assets | 88.3652% | 1,670 |
| Equity capital to assets | 11.2916% | 1,664 |
| Core capital (leverage) ratio | 10.4248% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1592% | 1,255 |
| Memoranda: | ||
| Average total assets | $1,396,835,500 | 725 |
| Average earning assets | $1,323,343,000 | 708 |
| Average equity | $160,099,000 | 668 |
| Average total loans | $820,227,000 | 797 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5207% | 3,987 |
| Cost of funding earning assets | 0.1834% | 4,635 |
| Net interest margin | 3.3373% | 2,963 |
| Noninterest income to average assets | 0.3544% | 3,347 |
| Noninterest expense to average assets | 2.0700% | 4,001 |
| Loan and lease loss provision to assets | 0.7004% | 228 |
| Net operating income to assets | 0.7386% | 3,304 |
| Return on assets (ROA) | 0.7376% | 3,429 |
| Pretax return on assets | 0.7376% | 3,795 |
| Return on Equity (ROE) | 6.3906% | 3,451 |
| Retained earnings to average equity (ytd only) | 1.2065% | 4,145 |
| Net charge-offs to loans | 0.9437% | 142 |
| Credit loss provision to net charge-offs | 126.1528% | 2,584 |
| Earnings coverage of net charge-offs (x) | 2.5918% | 3,151 |
| Efficiency ratio | 58.9913% | 3,593 |
| Assets per employee ($millions) | 7.7736% | 1,133 |
| Cash dividends to net income (ytd only)* | 81.1209% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 947 |
| Loan loss allowance to noncurrent loans | 180.6912% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 1,847 |
| Noncurrent loans to loans | 0.9686% | 1,458 |
| Net loans and leases to total assets | 57.8058% | 3,106 |
| Net loans and leases to deposits | 65.7125% | 3,302 |
| Net loans and leases to core deposits | 67.2387% | 3,464 |
| Total domestic deposits to total assets | 87.9678% | 1,488 |
| Equity capital to assets | 11.6366% | 1,780 |
| Core capital (leverage) ratio | 10.7094% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1390% | 1,229 |
| Memoranda: | ||
| Average total assets | $1,378,765,400 | 664 |
| Average earning assets | $1,303,276,800 | 649 |
| Average equity | $159,141,200 | 641 |
| Average total loans | $811,151,000 | 775 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 3,932 |
| Cost of funding earning assets | 0.2042% | 4,660 |
| Net interest margin | 3.4349% | 2,797 |
| Noninterest income to average assets | 0.3535% | 3,336 |
| Noninterest expense to average assets | 2.0610% | 4,026 |
| Loan and lease loss provision to assets | 0.8070% | 221 |
| Net operating income to assets | 0.7311% | 3,352 |
| Return on assets (ROA) | 0.7290% | 3,455 |
| Pretax return on assets | 0.7290% | 3,832 |
| Return on Equity (ROE) | 6.3284% | 3,438 |
| Retained earnings to average equity (ytd only) | -0.1745% | 4,500 |
| Net charge-offs to loans | 0.8586% | 156 |
| Credit loss provision to net charge-offs | 159.7780% | 2,272 |
| Earnings coverage of net charge-offs (x) | 3.0452% | 2,939 |
| Efficiency ratio | 57.2641% | 3,767 |
| Assets per employee ($millions) | 7.5904% | 1,165 |
| Cash dividends to net income (ytd only)* | 102.7579% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 716 |
| Loan loss allowance to noncurrent loans | 145.3241% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7744% | 1,494 |
| Noncurrent loans to loans | 1.2415% | 1,223 |
| Net loans and leases to total assets | 61.2546% | 3,087 |
| Net loans and leases to deposits | 69.6595% | 3,340 |
| Net loans and leases to core deposits | 71.2206% | 3,542 |
| Total domestic deposits to total assets | 87.9343% | 1,241 |
| Equity capital to assets | 11.6854% | 1,886 |
| Core capital (leverage) ratio | 10.4624% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4927% | 1,376 |
| Memoranda: | ||
| Average total assets | $1,379,474,500 | 650 |
| Average earning assets | $1,303,500,750 | 628 |
| Average equity | $158,898,500 | 634 |
| Average total loans | $811,555,000 | 767 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 3,735 |
| Cost of funding earning assets | 0.2434% | 4,643 |
| Net interest margin | 3.6081% | 2,457 |
| Noninterest income to average assets | 0.3543% | 3,353 |
| Noninterest expense to average assets | 2.0346% | 4,161 |
| Loan and lease loss provision to assets | 0.8800% | 256 |
| Net operating income to assets | 0.8490% | 2,874 |
| Return on assets (ROA) | 0.8461% | 2,993 |
| Pretax return on assets | 0.8461% | 3,462 |
| Return on Equity (ROE) | 7.3801% | 2,979 |
| Retained earnings to average equity (ytd only) | 5.8071% | 2,151 |
| Net charge-offs to loans | 0.9683% | 154 |
| Credit loss provision to net charge-offs | 157.5820% | 2,092 |
| Earnings coverage of net charge-offs (x) | 3.0961% | 2,708 |
| Efficiency ratio | 54.0611% | 4,170 |
| Assets per employee ($millions) | 7.7413% | 1,068 |
| Cash dividends to net income (ytd only)* | 21.3129% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 779 |
| Loan loss allowance to noncurrent loans | 110.2052% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.9426% | 1,295 |
| Noncurrent loans to loans | 1.5639% | 956 |
| Net loans and leases to total assets | 59.2346% | 3,405 |
| Net loans and leases to deposits | 67.4301% | 3,609 |
| Net loans and leases to core deposits | 68.8989% | 3,795 |
| Total domestic deposits to total assets | 87.8459% | 1,263 |
| Equity capital to assets | 11.7692% | 1,795 |
| Core capital (leverage) ratio | 10.5520% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2879% | 1,179 |
| Memoranda: | ||
| Average total assets | $1,386,403,000 | 628 |
| Average earning assets | $1,310,004,000 | 611 |
| Average equity | $158,942,000 | 631 |
| Average total loans | $799,556,667 | 771 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9712% | 3,871 |
| Cost of funding earning assets | 0.3563% | 4,500 |
| Net interest margin | 3.6149% | 2,618 |
| Noninterest income to average assets | 0.4076% | 3,042 |
| Noninterest expense to average assets | 1.9960% | 4,400 |
| Loan and lease loss provision to assets | 0.6490% | 415 |
| Net operating income to assets | 1.1748% | 1,602 |
| Return on assets (ROA) | 1.1644% | 1,754 |
| Pretax return on assets | 1.1644% | 2,324 |
| Return on Equity (ROE) | 10.2938% | 1,643 |
| Retained earnings to average equity (ytd only) | 10.2938% | 693 |
| Net charge-offs to loans | -0.0133% | 4,181 |
| Credit loss provision to net charge-offs | -8,653.8462% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2540% | 4,538 |
| Assets per employee ($millions) | 7.8015% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 653 |
| Loan loss allowance to noncurrent loans | 288.6091% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 2,994 |
| Noncurrent loans to loans | 0.6442% | 2,382 |
| Net loans and leases to total assets | 55.2055% | 3,896 |
| Net loans and leases to deposits | 62.7296% | 4,062 |
| Net loans and leases to core deposits | 64.3037% | 4,155 |
| Total domestic deposits to total assets | 88.0055% | 1,105 |
| Equity capital to assets | 11.6076% | 2,356 |
| Core capital (leverage) ratio | 10.4293% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9429% | 1,360 |
| Memoranda: | ||
| Average total assets | $1,386,762,500 | 609 |
| Average earning assets | $1,309,009,500 | 587 |
| Average equity | $156,871,000 | 634 |
| Average total loans | $781,735,500 | 762 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 3,750 |
| Cost of funding earning assets | 0.3642% | 4,557 |
| Net interest margin | 3.8605% | 2,303 |
| Noninterest income to average assets | 0.4488% | 3,014 |
| Noninterest expense to average assets | 1.9782% | 4,567 |
| Loan and lease loss provision to assets | 0.6135% | 194 |
| Net operating income to assets | 1.5157% | 1,014 |
| Return on assets (ROA) | 1.5168% | 1,074 |
| Pretax return on assets | 1.5168% | 1,756 |
| Return on Equity (ROE) | 14.2433% | 850 |
| Retained earnings to average equity (ytd only) | 4.9584% | 2,441 |
| Net charge-offs to loans | 0.8817% | 182 |
| Credit loss provision to net charge-offs | 131.0931% | 1,946 |
| Earnings coverage of net charge-offs (x) | 4.5498% | 3,202 |
| Efficiency ratio | 48.1630% | 4,826 |
| Assets per employee ($millions) | 7.6519% | 813 |
| Cash dividends to net income (ytd only)* | 65.1881% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 1,098 |
| Loan loss allowance to noncurrent loans | 171.8988% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 2,381 |
| Noncurrent loans to loans | 0.8997% | 1,711 |
| Net loans and leases to total assets | 55.6165% | 3,949 |
| Net loans and leases to deposits | 62.7702% | 4,155 |
| Net loans and leases to core deposits | 65.0319% | 4,230 |
| Total domestic deposits to total assets | 88.6033% | 836 |
| Equity capital to assets | 11.0190% | 2,976 |
| Core capital (leverage) ratio | 10.6558% | 2,802 |
| Tier 1 risk-based capital ratio | 15.0771% | 2,755 |
| Total risk-based capital ratio | 16.3281% | 2,677 |
| Memoranda: | ||
| Average total assets | $1,370,428,600 | 595 |
| Average earning assets | $1,298,755,400 | 575 |
| Average equity | $145,935,200 | 642 |
| Average total loans | $727,358,200 | 784 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 3,715 |
| Cost of funding earning assets | 0.3807% | 4,558 |
| Net interest margin | 3.8998% | 2,255 |
| Noninterest income to average assets | 0.4595% | 2,961 |
| Noninterest expense to average assets | 1.9843% | 4,586 |
| Loan and lease loss provision to assets | 0.6778% | 158 |
| Net operating income to assets | 1.4942% | 1,200 |
| Return on assets (ROA) | 1.4942% | 1,258 |
| Pretax return on assets | 1.4942% | 1,971 |
| Return on Equity (ROE) | 14.1572% | 951 |
| Retained earnings to average equity (ytd only) | 5.7810% | 2,469 |
| Net charge-offs to loans | 1.2739% | 111 |
| Credit loss provision to net charge-offs | 101.9242% | 2,217 |
| Earnings coverage of net charge-offs (x) | 3.2660% | 3,118 |
| Efficiency ratio | 47.7414% | 4,866 |
| Assets per employee ($millions) | 7.5545% | 826 |
| Cash dividends to net income (ytd only)* | 59.1658% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,600 |
| Loan loss allowance to noncurrent loans | 220.0256% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 3,068 |
| Noncurrent loans to loans | 0.6340% | 2,385 |
| Net loans and leases to total assets | 55.7398% | 4,062 |
| Net loans and leases to deposits | 63.3678% | 4,215 |
| Net loans and leases to core deposits | 65.6973% | 4,297 |
| Total domestic deposits to total assets | 87.9624% | 1,053 |
| Equity capital to assets | 11.6188% | 2,583 |
| Core capital (leverage) ratio | 10.6580% | 2,968 |
| Tier 1 risk-based capital ratio | 15.7372% | 2,538 |
| Total risk-based capital ratio | 16.9429% | 2,499 |
| Memoranda: | ||
| Average total assets | $1,364,872,750 | 597 |
| Average earning assets | $1,293,857,250 | 580 |
| Average equity | $144,055,000 | 645 |
| Average total loans | $712,520,000 | 801 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 3,730 |
| Cost of funding earning assets | 0.3808% | 4,581 |
| Net interest margin | 3.8888% | 2,271 |
| Noninterest income to average assets | 0.4573% | 2,922 |
| Noninterest expense to average assets | 1.9119% | 4,732 |
| Loan and lease loss provision to assets | 0.5691% | 196 |
| Net operating income to assets | 1.6670% | 776 |
| Return on assets (ROA) | 1.6670% | 808 |
| Pretax return on assets | 1.6670% | 1,344 |
| Return on Equity (ROE) | 16.3117% | 545 |
| Retained earnings to average equity (ytd only) | 5.7078% | 2,413 |
| Net charge-offs to loans | 0.4644% | 348 |
| Credit loss provision to net charge-offs | 241.0649% | 1,055 |
| Earnings coverage of net charge-offs (x) | 9.4712% | 2,337 |
| Efficiency ratio | 46.0917% | 4,986 |
| Assets per employee ($millions) | 7.7688% | 726 |
| Cash dividends to net income (ytd only)* | 65.0082% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 761 |
| Loan loss allowance to noncurrent loans | 68.4493% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.3565% | 903 |
| Noncurrent loans to loans | 2.5456% | 460 |
| Net loans and leases to total assets | 52.3574% | 4,334 |
| Net loans and leases to deposits | 59.1203% | 4,471 |
| Net loans and leases to core deposits | 61.3433% | 4,523 |
| Total domestic deposits to total assets | 88.5607% | 851 |
| Equity capital to assets | 11.0813% | 2,964 |
| Core capital (leverage) ratio | 10.2968% | 3,290 |
| Tier 1 risk-based capital ratio | 15.4338% | 2,647 |
| Total risk-based capital ratio | 16.6862% | 2,573 |
| Memoranda: | ||
| Average total assets | $1,384,187,670 | 590 |
| Average earning assets | $1,313,667,000 | 572 |
| Average equity | $141,456,670 | 651 |
| Average total loans | $703,765,000 | 811 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 4,383 |
| Cost of funding earning assets | 0.3625% | 4,634 |
| Net interest margin | 3.6296% | 3,136 |
| Noninterest income to average assets | 0.4233% | 3,026 |
| Noninterest expense to average assets | 1.8056% | 4,912 |
| Loan and lease loss provision to assets | 0.6161% | 169 |
| Net operating income to assets | 1.4496% | 1,235 |
| Return on assets (ROA) | 1.4496% | 1,264 |
| Pretax return on assets | 1.4496% | 1,924 |
| Return on Equity (ROE) | 14.7809% | 795 |
| Retained earnings to average equity (ytd only) | 3.1630% | 3,672 |
| Net charge-offs to loans | -0.0115% | 4,278 |
| Credit loss provision to net charge-offs | -10,815.0000% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6412% | 4,998 |
| Assets per employee ($millions) | 8.0584% | 662 |
| Cash dividends to net income (ytd only)* | 78.6009% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 780 |
| Loan loss allowance to noncurrent loans | 64.7201% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.3856% | 912 |
| Noncurrent loans to loans | 2.7000% | 450 |
| Net loans and leases to total assets | 50.4217% | 4,438 |
| Net loans and leases to deposits | 56.3399% | 4,584 |
| Net loans and leases to core deposits | 58.5521% | 4,625 |
| Total domestic deposits to total assets | 89.4956% | 643 |
| Equity capital to assets | 10.1581% | 3,672 |
| Core capital (leverage) ratio | 9.9892% | 3,614 |
| Tier 1 risk-based capital ratio | 15.5291% | 2,640 |
| Total risk-based capital ratio | 16.7817% | 2,555 |
| Memoranda: | ||
| Average total assets | $1,404,279,500 | 582 |
| Average earning assets | $1,334,049,500 | 564 |
| Average equity | $137,718,500 | 667 |
| Average total loans | $697,565,500 | 819 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 3,879 |
| Cost of funding earning assets | 0.2863% | 4,635 |
| Net interest margin | 3.7684% | 2,789 |
| Noninterest income to average assets | 0.4337% | 3,214 |
| Noninterest expense to average assets | 1.9676% | 4,796 |
| Loan and lease loss provision to assets | 0.0012% | 4,068 |
| Net operating income to assets | 2.0394% | 328 |
| Return on assets (ROA) | 2.0394% | 327 |
| Pretax return on assets | 2.0394% | 510 |
| Return on Equity (ROE) | 22.5296% | 143 |
| Retained earnings to average equity (ytd only) | 14.9324% | 117 |
| Net charge-offs to loans | 0.0567% | 2,333 |
| Credit loss provision to net charge-offs | 4.4818% | 3,443 |
| Earnings coverage of net charge-offs (x) | 75.6443% | 894 |
| Efficiency ratio | 49.0885% | 4,990 |
| Assets per employee ($millions) | 8.3660% | 588 |
| Cash dividends to net income (ytd only)* | 33.7211% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 1,357 |
| Loan loss allowance to noncurrent loans | 590.4817% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 4,221 |
| Noncurrent loans to loans | 0.2504% | 3,684 |
| Net loans and leases to total assets | 47.3794% | 4,679 |
| Net loans and leases to deposits | 52.5973% | 4,803 |
| Net loans and leases to core deposits | 54.7722% | 4,821 |
| Total domestic deposits to total assets | 90.0795% | 447 |
| Equity capital to assets | 9.4690% | 4,154 |
| Core capital (leverage) ratio | 9.7601% | 3,848 |
| Tier 1 risk-based capital ratio | 15.3588% | 2,677 |
| Total risk-based capital ratio | 16.6089% | 2,597 |
| Memoranda: | ||
| Average total assets | $1,323,353,800 | 597 |
| Average earning assets | $1,255,267,800 | 581 |
| Average equity | $119,793,600 | 720 |
| Average total loans | $629,113,800 | 858 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 4,267 |
| Cost of funding earning assets | 0.2753% | 4,656 |
| Net interest margin | 3.5999% | 3,366 |
| Noninterest income to average assets | 0.4358% | 3,247 |
| Noninterest expense to average assets | 1.9440% | 4,832 |
| Loan and lease loss provision to assets | 0.6755% | 146 |
| Net operating income to assets | 1.2291% | 2,125 |
| Return on assets (ROA) | 1.2291% | 2,127 |
| Pretax return on assets | 1.2291% | 2,884 |
| Return on Equity (ROE) | 13.7522% | 1,185 |
| Retained earnings to average equity (ytd only) | 8.4594% | 1,441 |
| Net charge-offs to loans | 1.5410% | 79 |
| Credit loss provision to net charge-offs | 92.5081% | 2,394 |
| Earnings coverage of net charge-offs (x) | 2.6082% | 3,231 |
| Efficiency ratio | 50.5117% | 4,916 |
| Assets per employee ($millions) | 8.3959% | 548 |
| Cash dividends to net income (ytd only)* | 38.4873% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 1,306 |
| Loan loss allowance to noncurrent loans | 511.4242% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 4,241 |
| Noncurrent loans to loans | 0.2959% | 3,616 |
| Net loans and leases to total assets | 46.8914% | 4,760 |
| Net loans and leases to deposits | 51.7086% | 4,893 |
| Net loans and leases to core deposits | 53.8913% | 4,915 |
| Total domestic deposits to total assets | 90.6838% | 296 |
| Equity capital to assets | 8.8214% | 4,701 |
| Core capital (leverage) ratio | 9.3024% | 4,398 |
| Tier 1 risk-based capital ratio | 14.4544% | 3,151 |
| Total risk-based capital ratio | 15.6869% | 3,072 |
| Memoranda: | ||
| Average total assets | $1,296,547,000 | 604 |
| Average earning assets | $1,229,168,250 | 584 |
| Average equity | $115,876,750 | 737 |
| Average total loans | $614,398,750 | 871 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 4,281 |
| Cost of funding earning assets | 0.2707% | 4,631 |
| Net interest margin | 3.5561% | 3,448 |
| Noninterest income to average assets | 0.4289% | 3,300 |
| Noninterest expense to average assets | 1.9897% | 4,817 |
| Loan and lease loss provision to assets | 0.8712% | 97 |
| Net operating income to assets | 0.9363% | 3,301 |
| Return on assets (ROA) | 0.9363% | 3,304 |
| Pretax return on assets | 0.9363% | 3,854 |
| Return on Equity (ROE) | 10.4265% | 2,368 |
| Retained earnings to average equity (ytd only) | 2.3399% | 4,341 |
| Net charge-offs to loans | 2.4360% | 39 |
| Credit loss provision to net charge-offs | 75.6027% | 2,300 |
| Earnings coverage of net charge-offs (x) | 1.5685% | 3,050 |
| Efficiency ratio | 52.3988% | 4,846 |
| Assets per employee ($millions) | 7.6530% | 723 |
| Cash dividends to net income (ytd only)* | 77.5586% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,590 |
| Loan loss allowance to noncurrent loans | 107.0335% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 2,299 |
| Noncurrent loans to loans | 1.3471% | 1,261 |
| Net loans and leases to total assets | 47.0000% | 4,766 |
| Net loans and leases to deposits | 52.0007% | 4,914 |
| Net loans and leases to core deposits | 54.1726% | 4,931 |
| Total domestic deposits to total assets | 90.3834% | 438 |
| Equity capital to assets | 9.2064% | 4,378 |
| Core capital (leverage) ratio | 8.9945% | 4,696 |
| Tier 1 risk-based capital ratio | 15.6500% | 2,567 |
| Total risk-based capital ratio | 16.8865% | 2,522 |
| Memoranda: | ||
| Average total assets | $1,266,956,330 | 616 |
| Average earning assets | $1,200,033,000 | 597 |
| Average equity | $113,767,330 | 748 |
| Average total loans | $599,339,000 | 887 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 4,575 |
| Cost of funding earning assets | 0.2601% | 4,649 |
| Net interest margin | 3.3977% | 3,892 |
| Noninterest income to average assets | 0.4227% | 3,295 |
| Noninterest expense to average assets | 1.9547% | 4,932 |
| Loan and lease loss provision to assets | 0.2874% | 466 |
| Net operating income to assets | 1.3983% | 1,351 |
| Return on assets (ROA) | 1.3983% | 1,356 |
| Pretax return on assets | 1.3983% | 2,012 |
| Return on Equity (ROE) | 15.7721% | 660 |
| Retained earnings to average equity (ytd only) | 5.0743% | 3,138 |
| Net charge-offs to loans | -0.0054% | 4,036 |
| Credit loss provision to net charge-offs | -11,362.5000% | 4,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6952% | 4,827 |
| Assets per employee ($millions) | 8.0181% | 621 |
| Cash dividends to net income (ytd only)* | 67.8273% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 680 |
| Loan loss allowance to noncurrent loans | 70.0533% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 1,177 |
| Noncurrent loans to loans | 2.6873% | 477 |
| Net loans and leases to total assets | 46.1561% | 4,787 |
| Net loans and leases to deposits | 51.1144% | 4,920 |
| Net loans and leases to core deposits | 53.0404% | 4,948 |
| Total domestic deposits to total assets | 90.2995% | 543 |
| Equity capital to assets | 8.5562% | 4,933 |
| Core capital (leverage) ratio | 8.8046% | 4,886 |
| Tier 1 risk-based capital ratio | 14.9481% | 2,889 |
| Total risk-based capital ratio | 16.2028% | 2,818 |
| Memoranda: | ||
| Average total assets | $1,265,238,500 | 622 |
| Average earning assets | $1,198,219,500 | 602 |
| Average equity | $112,172,500 | 762 |
| Average total loans | $596,099,000 | 897 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4534% | 4,854 |
| Cost of funding earning assets | 0.1920% | 5,007 |
| Net interest margin | 3.2615% | 4,284 |
| Noninterest income to average assets | 0.4300% | 3,437 |
| Noninterest expense to average assets | 1.8993% | 5,112 |
| Loan and lease loss provision to assets | 0.2075% | 973 |
| Net operating income to assets | 1.3790% | 1,060 |
| Return on assets (ROA) | 1.3790% | 1,079 |
| Pretax return on assets | 1.3790% | 2,059 |
| Return on Equity (ROE) | 14.8389% | 634 |
| Retained earnings to average equity (ytd only) | 7.7660% | 840 |
| Net charge-offs to loans | 0.1080% | 1,990 |
| Credit loss provision to net charge-offs | 448.4902% | 702 |
| Earnings coverage of net charge-offs (x) | 34.2966% | 1,402 |
| Efficiency ratio | 54.4878% | 4,911 |
| Assets per employee ($millions) | 7.6991% | 701 |
| Cash dividends to net income (ytd only)* | 47.6644% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 781 |
| Loan loss allowance to noncurrent loans | 108.9064% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7790% | 2,001 |
| Noncurrent loans to loans | 1.6508% | 1,001 |
| Net loans and leases to total assets | 46.3401% | 4,869 |
| Net loans and leases to deposits | 53.6431% | 4,914 |
| Net loans and leases to core deposits | 55.7278% | 4,945 |
| Total domestic deposits to total assets | 86.3859% | 2,276 |
| Equity capital to assets | 9.1881% | 4,539 |
| Core capital (leverage) ratio | 8.6082% | 5,037 |
| Tier 1 risk-based capital ratio | 15.1754% | 2,763 |
| Total risk-based capital ratio | 16.4287% | 2,692 |
| Memoranda: | ||
| Average total assets | $1,217,138,400 | 618 |
| Average earning assets | $1,140,350,000 | 610 |
| Average equity | $113,108,200 | 728 |
| Average total loans | $521,496,600 | 982 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3604% | 5,021 |
| Cost of funding earning assets | 0.1602% | 5,251 |
| Net interest margin | 3.2002% | 4,448 |
| Noninterest income to average assets | 0.4256% | 3,512 |
| Noninterest expense to average assets | 1.8377% | 5,221 |
| Loan and lease loss provision to assets | 0.2008% | 947 |
| Net operating income to assets | 1.3797% | 1,131 |
| Return on assets (ROA) | 1.3797% | 1,150 |
| Pretax return on assets | 1.3797% | 2,174 |
| Return on Equity (ROE) | 14.8040% | 676 |
| Retained earnings to average equity (ytd only) | 8.3083% | 1,091 |
| Net charge-offs to loans | 0.0783% | 2,021 |
| Credit loss provision to net charge-offs | 614.4781% | 534 |
| Earnings coverage of net charge-offs (x) | 48.3569% | 1,138 |
| Efficiency ratio | 53.7620% | 4,947 |
| Assets per employee ($millions) | 8.1534% | 599 |
| Cash dividends to net income (ytd only)* | 43.8781% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 988 |
| Loan loss allowance to noncurrent loans | 95.0589% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 1,968 |
| Noncurrent loans to loans | 1.8116% | 984 |
| Net loans and leases to total assets | 47.3573% | 4,866 |
| Net loans and leases to deposits | 54.5255% | 4,937 |
| Net loans and leases to core deposits | 56.7515% | 4,960 |
| Total domestic deposits to total assets | 86.8535% | 1,929 |
| Equity capital to assets | 9.8754% | 4,054 |
| Core capital (leverage) ratio | 8.9000% | 4,865 |
| Tier 1 risk-based capital ratio | 14.7099% | 3,060 |
| Total risk-based capital ratio | 15.9623% | 2,989 |
| Memoranda: | ||
| Average total assets | $1,211,533,500 | 624 |
| Average earning assets | $1,132,969,250 | 615 |
| Average equity | $112,912,250 | 731 |
| Average total loans | $505,638,750 | 1,013 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1949% | 5,247 |
| Cost of funding earning assets | 0.1490% | 5,341 |
| Net interest margin | 3.0460% | 4,805 |
| Noninterest income to average assets | 0.4185% | 3,574 |
| Noninterest expense to average assets | 1.8212% | 5,286 |
| Loan and lease loss provision to assets | 0.2024% | 907 |
| Net operating income to assets | 1.2363% | 1,485 |
| Return on assets (ROA) | 1.2363% | 1,514 |
| Pretax return on assets | 1.2363% | 2,634 |
| Return on Equity (ROE) | 13.5349% | 916 |
| Retained earnings to average equity (ytd only) | 8.1079% | 1,120 |
| Net charge-offs to loans | 0.0760% | 1,862 |
| Credit loss provision to net charge-offs | 673.0769% | 517 |
| Earnings coverage of net charge-offs (x) | 47.8407% | 1,107 |
| Efficiency ratio | 55.8670% | 4,846 |
| Assets per employee ($millions) | 8.1347% | 592 |
| Cash dividends to net income (ytd only)* | 40.0962% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 844 |
| Loan loss allowance to noncurrent loans | 85.5792% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 1,915 |
| Noncurrent loans to loans | 2.1317% | 772 |
| Net loans and leases to total assets | 42.3216% | 5,128 |
| Net loans and leases to deposits | 46.9841% | 5,252 |
| Net loans and leases to core deposits | 48.7728% | 5,257 |
| Total domestic deposits to total assets | 90.0764% | 511 |
| Equity capital to assets | 9.5566% | 4,354 |
| Core capital (leverage) ratio | 8.4540% | 5,250 |
| Tier 1 risk-based capital ratio | 15.2029% | 2,840 |
| Total risk-based capital ratio | 16.4554% | 2,774 |
| Memoranda: | ||
| Average total assets | $1,210,426,330 | 627 |
| Average earning assets | $1,129,096,330 | 619 |
| Average equity | $110,559,000 | 746 |
| Average total loans | $479,050,330 | 1,078 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0481% | 5,411 |
| Cost of funding earning assets | 0.1408% | 5,434 |
| Net interest margin | 2.9072% | 5,070 |
| Noninterest income to average assets | 0.4386% | 3,388 |
| Noninterest expense to average assets | 1.7436% | 5,435 |
| Loan and lease loss provision to assets | 0.2571% | 569 |
| Net operating income to assets | 1.1298% | 1,749 |
| Return on assets (ROA) | 1.1298% | 1,786 |
| Pretax return on assets | 1.1298% | 2,865 |
| Return on Equity (ROE) | 12.6659% | 1,073 |
| Retained earnings to average equity (ytd only) | 12.6659% | 408 |
| Net charge-offs to loans | 0.0825% | 1,521 |
| Credit loss provision to net charge-offs | 824.4681% | 378 |
| Earnings coverage of net charge-offs (x) | 44.4681% | 963 |
| Efficiency ratio | 55.6969% | 4,970 |
| Assets per employee ($millions) | 8.0961% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 748 |
| Loan loss allowance to noncurrent loans | 79.4528% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9634% | 1,909 |
| Noncurrent loans to loans | 2.4341% | 654 |
| Net loans and leases to total assets | 38.8147% | 5,295 |
| Net loans and leases to deposits | 42.8682% | 5,391 |
| Net loans and leases to core deposits | 44.3668% | 5,404 |
| Total domestic deposits to total assets | 90.5442% | 453 |
| Equity capital to assets | 9.1123% | 4,701 |
| Core capital (leverage) ratio | 8.9832% | 4,758 |
| Tier 1 risk-based capital ratio | 16.0136% | 2,543 |
| Total risk-based capital ratio | 17.2666% | 2,497 |
| Memoranda: | ||
| Average total assets | $1,205,534,000 | 635 |
| Average earning assets | $1,116,253,000 | 625 |
| Average equity | $107,533,000 | 762 |
| Average total loans | $455,571,000 | 1,115 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0906% | 5,414 |
| Cost of funding earning assets | 0.1223% | 5,605 |
| Net interest margin | 2.9683% | 5,019 |
| Noninterest income to average assets | 0.5153% | 3,129 |
| Noninterest expense to average assets | 1.9324% | 5,318 |
| Loan and lease loss provision to assets | 0.5809% | 225 |
| Net operating income to assets | 0.7136% | 3,723 |
| Return on assets (ROA) | 0.7136% | 3,839 |
| Pretax return on assets | 0.7136% | 4,447 |
| Return on Equity (ROE) | 7.2841% | 3,324 |
| Retained earnings to average equity (ytd only) | 1.6687% | 4,580 |
| Net charge-offs to loans | 1.2053% | 141 |
| Credit loss provision to net charge-offs | 115.9606% | 2,270 |
| Earnings coverage of net charge-offs (x) | 2.5840% | 3,807 |
| Efficiency ratio | 59.8846% | 4,602 |
| Assets per employee ($millions) | 8.1955% | 556 |
| Cash dividends to net income (ytd only)* | 77.0912% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 689 |
| Loan loss allowance to noncurrent loans | 72.8868% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.0181% | 1,863 |
| Noncurrent loans to loans | 2.7062% | 555 |
| Net loans and leases to total assets | 35.2874% | 5,509 |
| Net loans and leases to deposits | 38.8095% | 5,581 |
| Net loans and leases to core deposits | 40.0524% | 5,594 |
| Total domestic deposits to total assets | 90.9246% | 306 |
| Equity capital to assets | 8.7273% | 5,079 |
| Core capital (leverage) ratio | 8.6552% | 5,118 |
| Tier 1 risk-based capital ratio | 16.7014% | 2,267 |
| Total risk-based capital ratio | 17.9544% | 2,207 |
| Memoranda: | ||
| Average total assets | $1,154,365,600 | 627 |
| Average earning assets | $1,054,550,800 | 626 |
| Average equity | $113,081,800 | 707 |
| Average total loans | $479,816,200 | 1,009 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1803% | 5,389 |
| Cost of funding earning assets | 0.1237% | 5,656 |
| Net interest margin | 3.0566% | 4,884 |
| Noninterest income to average assets | 0.5458% | 2,939 |
| Noninterest expense to average assets | 1.8731% | 5,423 |
| Loan and lease loss provision to assets | 0.7305% | 153 |
| Net operating income to assets | 0.7240% | 3,726 |
| Return on assets (ROA) | 0.7240% | 3,858 |
| Pretax return on assets | 0.7240% | 4,544 |
| Return on Equity (ROE) | 7.1841% | 3,457 |
| Retained earnings to average equity (ytd only) | -0.1738% | 5,387 |
| Net charge-offs to loans | 1.4414% | 96 |
| Credit loss provision to net charge-offs | 117.7711% | 2,125 |
| Earnings coverage of net charge-offs (x) | 2.3449% | 3,584 |
| Efficiency ratio | 56.2886% | 5,031 |
| Assets per employee ($millions) | 7.4705% | 728 |
| Cash dividends to net income (ytd only)* | 102.4194% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 960 |
| Loan loss allowance to noncurrent loans | 51.9477% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 1,183 |
| Noncurrent loans to loans | 3.5219% | 361 |
| Net loans and leases to total assets | 40.7890% | 5,343 |
| Net loans and leases to deposits | 45.7353% | 5,462 |
| Net loans and leases to core deposits | 47.2776% | 5,471 |
| Total domestic deposits to total assets | 89.1849% | 807 |
| Equity capital to assets | 10.4403% | 3,619 |
| Core capital (leverage) ratio | 9.0589% | 4,765 |
| Tier 1 risk-based capital ratio | 15.6564% | 2,767 |
| Total risk-based capital ratio | 16.9087% | 2,696 |
| Memoranda: | ||
| Average total assets | $1,141,770,750 | 631 |
| Average earning assets | $1,039,116,000 | 634 |
| Average equity | $115,066,750 | 700 |
| Average total loans | $491,351,000 | 991 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2319% | 5,387 |
| Cost of funding earning assets | 0.1255% | 5,726 |
| Net interest margin | 3.1064% | 4,813 |
| Noninterest income to average assets | 0.5799% | 2,723 |
| Noninterest expense to average assets | 1.8235% | 5,571 |
| Loan and lease loss provision to assets | 1.0130% | 101 |
| Net operating income to assets | 0.5592% | 4,446 |
| Return on assets (ROA) | 0.5592% | 4,560 |
| Pretax return on assets | 0.5592% | 5,001 |
| Return on Equity (ROE) | 5.6147% | 4,241 |
| Retained earnings to average equity (ytd only) | -2.0059% | 5,542 |
| Net charge-offs to loans | 2.1094% | 69 |
| Credit loss provision to net charge-offs | 110.3383% | 1,958 |
| Earnings coverage of net charge-offs (x) | 1.7125% | 3,369 |
| Efficiency ratio | 53.7019% | 5,337 |
| Assets per employee ($millions) | 7.4590% | 713 |
| Cash dividends to net income (ytd only)* | 135.7254% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 1,246 |
| Loan loss allowance to noncurrent loans | 74.0533% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 2,062 |
| Noncurrent loans to loans | 2.3137% | 785 |
| Net loans and leases to total assets | 41.9091% | 5,344 |
| Net loans and leases to deposits | 46.9487% | 5,464 |
| Net loans and leases to core deposits | 48.3911% | 5,484 |
| Total domestic deposits to total assets | 89.2657% | 777 |
| Equity capital to assets | 10.3798% | 3,758 |
| Core capital (leverage) ratio | 8.8855% | 4,956 |
| Tier 1 risk-based capital ratio | 15.7167% | 2,778 |
| Total risk-based capital ratio | 16.9684% | 2,711 |
| Memoranda: | ||
| Average total assets | $1,146,343,670 | 631 |
| Average earning assets | $1,039,085,670 | 632 |
| Average equity | $114,165,000 | 706 |
| Average total loans | $498,902,670 | 981 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 5,319 |
| Cost of funding earning assets | 0.1267% | 5,774 |
| Net interest margin | 3.1770% | 4,650 |
| Noninterest income to average assets | 0.6903% | 2,087 |
| Noninterest expense to average assets | 1.7250% | 5,730 |
| Loan and lease loss provision to assets | 0.9158% | 108 |
| Net operating income to assets | 0.9189% | 2,657 |
| Return on assets (ROA) | 0.9189% | 2,766 |
| Pretax return on assets | 0.9189% | 3,772 |
| Return on Equity (ROE) | 9.4186% | 2,229 |
| Retained earnings to average equity (ytd only) | 0.5831% | 4,971 |
| Net charge-offs to loans | 1.4797% | 125 |
| Credit loss provision to net charge-offs | 140.8271% | 1,314 |
| Earnings coverage of net charge-offs (x) | 2.8213% | 2,629 |
| Efficiency ratio | 48.4599% | 5,705 |
| Assets per employee ($millions) | 7.3595% | 752 |
| Cash dividends to net income (ytd only)* | 93.8086% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 1,401 |
| Loan loss allowance to noncurrent loans | 135.6693% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 3,307 |
| Noncurrent loans to loans | 1.2414% | 1,947 |
| Net loans and leases to total assets | 42.7201% | 5,312 |
| Net loans and leases to deposits | 47.6865% | 5,433 |
| Net loans and leases to core deposits | 49.2778% | 5,471 |
| Total domestic deposits to total assets | 89.5852% | 792 |
| Equity capital to assets | 10.0765% | 3,980 |
| Core capital (leverage) ratio | 8.7523% | 5,123 |
| Tier 1 risk-based capital ratio | 15.4782% | 2,932 |
| Total risk-based capital ratio | 16.7299% | 2,860 |
| Memoranda: | ||
| Average total assets | $1,160,088,000 | 629 |
| Average earning assets | $1,047,786,500 | 632 |
| Average equity | $113,180,000 | 706 |
| Average total loans | $509,816,000 | 958 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 4,810 |
| Cost of funding earning assets | 0.1448% | 5,717 |
| Net interest margin | 3.4034% | 3,900 |
| Noninterest income to average assets | 0.4980% | 3,342 |
| Noninterest expense to average assets | 2.0654% | 5,324 |
| Loan and lease loss provision to assets | 0.2284% | 877 |
| Net operating income to assets | 1.2915% | 1,289 |
| Return on assets (ROA) | 1.3228% | 1,261 |
| Pretax return on assets | 1.3228% | 2,187 |
| Return on Equity (ROE) | 13.4132% | 969 |
| Retained earnings to average equity (ytd only) | 3.1378% | 3,821 |
| Net charge-offs to loans | 0.5486% | 461 |
| Credit loss provision to net charge-offs | 80.9602% | 2,933 |
| Earnings coverage of net charge-offs (x) | 5.3880% | 3,398 |
| Efficiency ratio | 57.6072% | 5,188 |
| Assets per employee ($millions) | 7.5134% | 691 |
| Cash dividends to net income (ytd only)* | 76.6070% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 2,155 |
| Loan loss allowance to noncurrent loans | 99.3620% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 2,953 |
| Noncurrent loans to loans | 1.4747% | 1,578 |
| Net loans and leases to total assets | 43.7796% | 5,289 |
| Net loans and leases to deposits | 48.5244% | 5,462 |
| Net loans and leases to core deposits | 50.0259% | 5,496 |
| Total domestic deposits to total assets | 90.2218% | 536 |
| Equity capital to assets | 9.4424% | 4,623 |
| Core capital (leverage) ratio | 8.6335% | 5,298 |
| Tier 1 risk-based capital ratio | 14.9000% | 3,221 |
| Total risk-based capital ratio | 16.1399% | 3,159 |
| Memoranda: | ||
| Average total assets | $1,085,469,600 | 647 |
| Average earning assets | $984,640,800 | 643 |
| Average equity | $107,051,000 | 721 |
| Average total loans | $558,134,200 | 839 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6218% | 4,662 |
| Cost of funding earning assets | 0.1539% | 5,750 |
| Net interest margin | 3.4679% | 3,680 |
| Noninterest income to average assets | 0.5095% | 3,301 |
| Noninterest expense to average assets | 2.0899% | 5,294 |
| Loan and lease loss provision to assets | 0.2205% | 856 |
| Net operating income to assets | 1.3533% | 1,220 |
| Return on assets (ROA) | 1.3960% | 1,165 |
| Pretax return on assets | 1.3960% | 2,033 |
| Return on Equity (ROE) | 13.9905% | 909 |
| Retained earnings to average equity (ytd only) | 2.9996% | 4,309 |
| Net charge-offs to loans | 0.4281% | 596 |
| Credit loss provision to net charge-offs | 96.5423% | 2,359 |
| Earnings coverage of net charge-offs (x) | 6.8919% | 2,981 |
| Efficiency ratio | 57.0437% | 5,224 |
| Assets per employee ($millions) | 6.8098% | 941 |
| Cash dividends to net income (ytd only)* | 78.5599% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 2,208 |
| Loan loss allowance to noncurrent loans | 434.5416% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 4,859 |
| Noncurrent loans to loans | 0.3424% | 4,389 |
| Net loans and leases to total assets | 50.8016% | 4,867 |
| Net loans and leases to deposits | 57.0331% | 5,069 |
| Net loans and leases to core deposits | 60.0714% | 5,061 |
| Total domestic deposits to total assets | 89.0739% | 998 |
| Equity capital to assets | 10.5962% | 3,483 |
| Core capital (leverage) ratio | 9.3292% | 4,546 |
| Tier 1 risk-based capital ratio | 14.4734% | 3,590 |
| Total risk-based capital ratio | 15.7236% | 3,499 |
| Memoranda: | ||
| Average total assets | $1,063,812,750 | 665 |
| Average earning assets | $967,593,750 | 662 |
| Average equity | $106,145,250 | 733 |
| Average total loans | $567,475,250 | 835 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 4,573 |
| Cost of funding earning assets | 0.1538% | 5,821 |
| Net interest margin | 3.4972% | 3,511 |
| Noninterest income to average assets | 0.5194% | 3,230 |
| Noninterest expense to average assets | 2.1387% | 5,252 |
| Loan and lease loss provision to assets | 0.1785% | 1,145 |
| Net operating income to assets | 1.3863% | 1,121 |
| Return on assets (ROA) | 1.4501% | 1,031 |
| Pretax return on assets | 1.4501% | 1,802 |
| Return on Equity (ROE) | 14.8397% | 761 |
| Retained earnings to average equity (ytd only) | 2.8210% | 4,247 |
| Net charge-offs to loans | 0.0310% | 3,039 |
| Credit loss provision to net charge-offs | 1,067.4157% | 335 |
| Earnings coverage of net charge-offs (x) | 93.5618% | 628 |
| Efficiency ratio | 57.7481% | 5,252 |
| Assets per employee ($millions) | 6.5904% | 1,014 |
| Cash dividends to net income (ytd only)* | 80.9900% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 1,957 |
| Loan loss allowance to noncurrent loans | 111.3224% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 2,879 |
| Noncurrent loans to loans | 1.4236% | 1,883 |
| Net loans and leases to total assets | 53.1140% | 4,646 |
| Net loans and leases to deposits | 59.0911% | 4,926 |
| Net loans and leases to core deposits | 62.2315% | 4,930 |
| Total domestic deposits to total assets | 89.8848% | 707 |
| Equity capital to assets | 9.7961% | 4,285 |
| Core capital (leverage) ratio | 8.7769% | 5,251 |
| Tier 1 risk-based capital ratio | 13.0852% | 4,470 |
| Total risk-based capital ratio | 14.3365% | 4,384 |
| Memoranda: | ||
| Average total assets | $1,064,308,000 | 666 |
| Average earning assets | $968,999,670 | 665 |
| Average equity | $104,005,000 | 749 |
| Average total loans | $574,023,330 | 817 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6728% | 4,461 |
| Cost of funding earning assets | 0.1562% | 5,877 |
| Net interest margin | 3.5166% | 3,365 |
| Noninterest income to average assets | 0.5299% | 3,090 |
| Noninterest expense to average assets | 2.1408% | 5,301 |
| Loan and lease loss provision to assets | 0.1689% | 1,185 |
| Net operating income to assets | 1.3967% | 1,040 |
| Return on assets (ROA) | 1.5243% | 854 |
| Pretax return on assets | 1.5243% | 1,483 |
| Return on Equity (ROE) | 15.6176% | 615 |
| Retained earnings to average equity (ytd only) | 1.1996% | 5,006 |
| Net charge-offs to loans | 0.0376% | 2,457 |
| Credit loss provision to net charge-offs | 833.3333% | 373 |
| Earnings coverage of net charge-offs (x) | 77.2593% | 611 |
| Efficiency ratio | 57.7605% | 5,365 |
| Assets per employee ($millions) | 6.5832% | 1,030 |
| Cash dividends to net income (ytd only)* | 92.3191% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 2,320 |
| Loan loss allowance to noncurrent loans | 2,795.7792% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 5,550 |
| Noncurrent loans to loans | 0.0548% | 5,556 |
| Net loans and leases to total assets | 52.2550% | 4,644 |
| Net loans and leases to deposits | 58.1699% | 4,903 |
| Net loans and leases to core deposits | 61.2654% | 4,888 |
| Total domestic deposits to total assets | 89.8318% | 821 |
| Equity capital to assets | 9.8854% | 4,286 |
| Core capital (leverage) ratio | 8.6952% | 5,333 |
| Tier 1 risk-based capital ratio | 12.8335% | 4,706 |
| Total risk-based capital ratio | 14.0837% | 4,619 |
| Memoranda: | ||
| Average total assets | $1,065,932,000 | 666 |
| Average earning assets | $962,853,000 | 665 |
| Average equity | $104,036,500 | 743 |
| Average total loans | $574,712,000 | 813 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,844 |
| Cost of funding earning assets | 0.1557% | 6,064 |
| Net interest margin | 3.5273% | 3,693 |
| Noninterest income to average assets | 0.6139% | 2,780 |
| Noninterest expense to average assets | 1.9882% | 5,783 |
| Loan and lease loss provision to assets | 0.1031% | 2,433 |
| Net operating income to assets | 1.7812% | 495 |
| Return on assets (ROA) | 1.7723% | 514 |
| Pretax return on assets | 1.7723% | 843 |
| Return on Equity (ROE) | 18.7052% | 339 |
| Retained earnings to average equity (ytd only) | 10.4333% | 453 |
| Net charge-offs to loans | 0.1920% | 2,128 |
| Credit loss provision to net charge-offs | 106.3674% | 2,250 |
| Earnings coverage of net charge-offs (x) | 19.4489% | 1,785 |
| Efficiency ratio | 51.3423% | 6,025 |
| Assets per employee ($millions) | 6.6676% | 968 |
| Cash dividends to net income (ytd only)* | 44.2225% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 4,319 |
| Loan loss allowance to noncurrent loans | 668.7251% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 5,569 |
| Noncurrent loans to loans | 0.1710% | 5,213 |
| Net loans and leases to total assets | 54.0537% | 4,575 |
| Net loans and leases to deposits | 60.0915% | 4,892 |
| Net loans and leases to core deposits | 63.2518% | 4,893 |
| Total domestic deposits to total assets | 89.9525% | 751 |
| Equity capital to assets | 9.7626% | 4,401 |
| Core capital (leverage) ratio | 8.8548% | 5,175 |
| Tier 1 risk-based capital ratio | 12.7583% | 4,881 |
| Total risk-based capital ratio | 13.7475% | 4,956 |
| Memoranda: | ||
| Average total assets | $988,811,200 | 684 |
| Average earning assets | $913,510,800 | 672 |
| Average equity | $93,690,600 | 786 |
| Average total loans | $499,052,200 | 896 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 5,158 |
| Cost of funding earning assets | 0.1544% | 6,159 |
| Net interest margin | 3.4388% | 4,074 |
| Noninterest income to average assets | 0.5722% | 3,053 |
| Noninterest expense to average assets | 1.9669% | 5,824 |
| Loan and lease loss provision to assets | 0.0442% | 3,512 |
| Net operating income to assets | 1.7492% | 560 |
| Return on assets (ROA) | 1.7371% | 589 |
| Pretax return on assets | 1.7371% | 1,001 |
| Return on Equity (ROE) | 18.4889% | 399 |
| Retained earnings to average equity (ytd only) | 7.1231% | 1,754 |
| Net charge-offs to loans | 0.2434% | 1,578 |
| Credit loss provision to net charge-offs | 36.8542% | 3,338 |
| Earnings coverage of net charge-offs (x) | 14.9438% | 2,099 |
| Efficiency ratio | 52.3066% | 5,969 |
| Assets per employee ($millions) | 6.4933% | 1,025 |
| Cash dividends to net income (ytd only)* | 61.4738% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 4,624 |
| Loan loss allowance to noncurrent loans | 636.3921% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 5,697 |
| Noncurrent loans to loans | 0.1772% | 5,380 |
| Net loans and leases to total assets | 52.8178% | 4,722 |
| Net loans and leases to deposits | 58.6210% | 5,054 |
| Net loans and leases to core deposits | 61.7943% | 5,049 |
| Total domestic deposits to total assets | 90.1006% | 686 |
| Equity capital to assets | 9.6022% | 4,666 |
| Core capital (leverage) ratio | 8.7769% | 5,363 |
| Tier 1 risk-based capital ratio | 12.8478% | 4,951 |
| Total risk-based capital ratio | 13.8019% | 5,074 |
| Memoranda: | ||
| Average total assets | $967,645,000 | 693 |
| Average earning assets | $897,104,000 | 686 |
| Average equity | $90,913,500 | 813 |
| Average total loans | $477,073,250 | 936 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4995% | 5,410 |
| Cost of funding earning assets | 0.1541% | 6,243 |
| Net interest margin | 3.3455% | 4,426 |
| Noninterest income to average assets | 0.5417% | 3,195 |
| Noninterest expense to average assets | 1.9298% | 5,952 |
| Loan and lease loss provision to assets | 0.0577% | 3,135 |
| Net operating income to assets | 1.6451% | 645 |
| Return on assets (ROA) | 1.6348% | 688 |
| Pretax return on assets | 1.6348% | 1,172 |
| Return on Equity (ROE) | 17.5368% | 502 |
| Retained earnings to average equity (ytd only) | 6.8381% | 1,847 |
| Net charge-offs to loans | 0.0127% | 3,982 |
| Credit loss provision to net charge-offs | 948.2759% | 348 |
| Earnings coverage of net charge-offs (x) | 279.6552% | 242 |
| Efficiency ratio | 53.1241% | 5,987 |
| Assets per employee ($millions) | 6.3364% | 1,098 |
| Cash dividends to net income (ytd only)* | 61.0069% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 3,167 |
| Loan loss allowance to noncurrent loans | 478.6954% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 5,529 |
| Noncurrent loans to loans | 0.2998% | 5,121 |
| Net loans and leases to total assets | 49.1881% | 5,053 |
| Net loans and leases to deposits | 54.7776% | 5,301 |
| Net loans and leases to core deposits | 58.9779% | 5,206 |
| Total domestic deposits to total assets | 89.7960% | 909 |
| Equity capital to assets | 9.9024% | 4,243 |
| Core capital (leverage) ratio | 9.0326% | 4,969 |
| Tier 1 risk-based capital ratio | 13.7749% | 4,405 |
| Total risk-based capital ratio | 14.9287% | 4,420 |
| Memoranda: | ||
| Average total assets | $952,540,330 | 706 |
| Average earning assets | $880,059,000 | 692 |
| Average equity | $88,796,000 | 821 |
| Average total loans | $455,722,330 | 967 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2851% | 5,870 |
| Cost of funding earning assets | 0.1454% | 6,379 |
| Net interest margin | 3.1397% | 5,120 |
| Noninterest income to average assets | 0.5371% | 3,133 |
| Noninterest expense to average assets | 1.9281% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5096% | 796 |
| Return on assets (ROA) | 1.4890% | 866 |
| Pretax return on assets | 1.4890% | 1,461 |
| Return on Equity (ROE) | 16.4945% | 593 |
| Retained earnings to average equity (ytd only) | 5.9691% | 2,563 |
| Net charge-offs to loans | 0.0262% | 3,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 123.2759% | 393 |
| Efficiency ratio | 56.0865% | 5,831 |
| Assets per employee ($millions) | 6.6650% | 945 |
| Cash dividends to net income (ytd only)* | 63.8117% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 3,329 |
| Loan loss allowance to noncurrent loans | 474.6953% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 5,662 |
| Noncurrent loans to loans | 0.3077% | 5,187 |
| Net loans and leases to total assets | 45.5971% | 5,372 |
| Net loans and leases to deposits | 50.2134% | 5,583 |
| Net loans and leases to core deposits | 53.9641% | 5,504 |
| Total domestic deposits to total assets | 90.8066% | 639 |
| Equity capital to assets | 8.9073% | 5,218 |
| Core capital (leverage) ratio | 8.6496% | 5,459 |
| Tier 1 risk-based capital ratio | 13.6487% | 4,581 |
| Total risk-based capital ratio | 14.8387% | 4,569 |
| Memoranda: | ||
| Average total assets | $947,243,000 | 718 |
| Average earning assets | $875,105,000 | 704 |
| Average equity | $85,507,500 | 859 |
| Average total loans | $443,260,500 | 994 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 5,510 |
| Cost of funding earning assets | 0.1435% | 6,566 |
| Net interest margin | 3.4163% | 4,216 |
| Noninterest income to average assets | 0.6529% | 2,796 |
| Noninterest expense to average assets | 1.9126% | 6,170 |
| Loan and lease loss provision to assets | 0.0104% | 4,916 |
| Net operating income to assets | 1.8976% | 399 |
| Return on assets (ROA) | 2.0881% | 297 |
| Pretax return on assets | 2.0881% | 398 |
| Return on Equity (ROE) | 21.7255% | 207 |
| Retained earnings to average equity (ytd only) | 5.4296% | 2,328 |
| Net charge-offs to loans | 0.0864% | 3,999 |
| Credit loss provision to net charge-offs | 25.1381% | 4,345 |
| Earnings coverage of net charge-offs (x) | 45.9365% | 848 |
| Efficiency ratio | 50.0601% | 6,396 |
| Assets per employee ($millions) | 6.4875% | 987 |
| Cash dividends to net income (ytd only)* | 75.0082% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,031 |
| Loan loss allowance to noncurrent loans | 384.0647% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 5,643 |
| Noncurrent loans to loans | 0.3999% | 5,012 |
| Net loans and leases to total assets | 46.6265% | 5,432 |
| Net loans and leases to deposits | 51.5034% | 5,663 |
| Net loans and leases to core deposits | 53.4988% | 5,707 |
| Total domestic deposits to total assets | 90.5308% | 793 |
| Equity capital to assets | 9.1552% | 4,862 |
| Core capital (leverage) ratio | 8.8019% | 5,273 |
| Tier 1 risk-based capital ratio | 14.2434% | 4,121 |
| Total risk-based capital ratio | 15.4936% | 4,064 |
| Memoranda: | ||
| Average total assets | $871,524,600 | 758 |
| Average earning assets | $808,130,800 | 741 |
| Average equity | $83,763,200 | 852 |
| Average total loans | $418,884,400 | 1,022 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4684% | 5,754 |
| Cost of funding earning assets | 0.1436% | 6,660 |
| Net interest margin | 3.3248% | 4,548 |
| Noninterest income to average assets | 0.6653% | 2,797 |
| Noninterest expense to average assets | 1.8832% | 6,211 |
| Loan and lease loss provision to assets | 0.1300% | 2,661 |
| Net operating income to assets | 1.7410% | 592 |
| Return on assets (ROA) | 2.0100% | 369 |
| Pretax return on assets | 2.0100% | 568 |
| Return on Equity (ROE) | 20.6535% | 265 |
| Retained earnings to average equity (ytd only) | 4.1001% | 3,773 |
| Net charge-offs to loans | 0.1127% | 3,416 |
| Credit loss provision to net charge-offs | 239.0313% | 1,024 |
| Earnings coverage of net charge-offs (x) | 34.4101% | 1,116 |
| Efficiency ratio | 50.1630% | 6,389 |
| Assets per employee ($millions) | 5.8470% | 1,342 |
| Cash dividends to net income (ytd only)* | 80.1480% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 2,659 |
| Loan loss allowance to noncurrent loans | 264.4540% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 5,358 |
| Noncurrent loans to loans | 0.6385% | 4,598 |
| Net loans and leases to total assets | 50.1977% | 5,119 |
| Net loans and leases to deposits | 55.7497% | 5,393 |
| Net loans and leases to core deposits | 58.0672% | 5,447 |
| Total domestic deposits to total assets | 90.0411% | 973 |
| Equity capital to assets | 9.5811% | 4,445 |
| Core capital (leverage) ratio | 9.0352% | 5,072 |
| Tier 1 risk-based capital ratio | 13.9776% | 4,449 |
| Total risk-based capital ratio | 15.2298% | 4,396 |
| Memoranda: | ||
| Average total assets | $860,721,250 | 770 |
| Average earning assets | $799,624,000 | 756 |
| Average equity | $83,767,500 | 854 |
| Average total loans | $415,315,000 | 1,028 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4393% | 5,814 |
| Cost of funding earning assets | 0.1427% | 6,733 |
| Net interest margin | 3.2966% | 4,601 |
| Noninterest income to average assets | 0.6677% | 2,810 |
| Noninterest expense to average assets | 1.8058% | 6,367 |
| Loan and lease loss provision to assets | 0.1394% | 2,584 |
| Net operating income to assets | 1.7860% | 537 |
| Return on assets (ROA) | 2.1960% | 276 |
| Pretax return on assets | 2.1960% | 418 |
| Return on Equity (ROE) | 22.4478% | 188 |
| Retained earnings to average equity (ytd only) | 4.4041% | 3,469 |
| Net charge-offs to loans | 0.1517% | 2,888 |
| Credit loss provision to net charge-offs | 194.1748% | 1,220 |
| Earnings coverage of net charge-offs (x) | 26.8285% | 1,232 |
| Efficiency ratio | 48.3971% | 6,515 |
| Assets per employee ($millions) | 6.1178% | 1,121 |
| Cash dividends to net income (ytd only)* | 80.3808% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 2,812 |
| Loan loss allowance to noncurrent loans | 228.1467% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 5,281 |
| Noncurrent loans to loans | 0.7404% | 4,447 |
| Net loans and leases to total assets | 49.7285% | 5,136 |
| Net loans and leases to deposits | 55.3130% | 5,405 |
| Net loans and leases to core deposits | 57.6827% | 5,447 |
| Total domestic deposits to total assets | 89.9037% | 1,080 |
| Equity capital to assets | 9.7221% | 4,269 |
| Core capital (leverage) ratio | 8.9664% | 5,050 |
| Tier 1 risk-based capital ratio | 13.7851% | 4,580 |
| Total risk-based capital ratio | 15.0366% | 4,546 |
| Memoranda: | ||
| Average total assets | $861,127,670 | 769 |
| Average earning assets | $800,228,670 | 758 |
| Average equity | $84,240,000 | 849 |
| Average total loans | $407,466,670 | 1,043 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3443% | 6,054 |
| Cost of funding earning assets | 0.1421% | 6,819 |
| Net interest margin | 3.2022% | 4,931 |
| Noninterest income to average assets | 0.6969% | 2,604 |
| Noninterest expense to average assets | 1.8207% | 6,413 |
| Loan and lease loss provision to assets | 0.1380% | 2,516 |
| Net operating income to assets | 1.7245% | 550 |
| Return on assets (ROA) | 1.7245% | 607 |
| Pretax return on assets | 1.7245% | 1,017 |
| Return on Equity (ROE) | 17.5761% | 467 |
| Retained earnings to average equity (ytd only) | -10.5531% | 6,637 |
| Net charge-offs to loans | 0.2746% | 1,857 |
| Credit loss provision to net charge-offs | 109.8901% | 1,694 |
| Earnings coverage of net charge-offs (x) | 14.8315% | 1,431 |
| Efficiency ratio | 49.4317% | 6,534 |
| Assets per employee ($millions) | 6.9221% | 795 |
| Cash dividends to net income (ytd only)* | 160.0427% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 2,926 |
| Loan loss allowance to noncurrent loans | 169.4295% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 5,142 |
| Noncurrent loans to loans | 1.0153% | 4,101 |
| Net loans and leases to total assets | 45.5244% | 5,487 |
| Net loans and leases to deposits | 50.5786% | 5,743 |
| Net loans and leases to core deposits | 52.6885% | 5,771 |
| Total domestic deposits to total assets | 90.0074% | 1,047 |
| Equity capital to assets | 9.6357% | 4,660 |
| Core capital (leverage) ratio | 8.3415% | 5,773 |
| Tier 1 risk-based capital ratio | 13.5122% | 4,863 |
| Total risk-based capital ratio | 15.0056% | 4,650 |
| Memoranda: | ||
| Average total assets | $869,565,000 | 768 |
| Average earning assets | $810,937,000 | 751 |
| Average equity | $85,320,500 | 847 |
| Average total loans | $397,676,000 | 1,068 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 5,793 |
| Cost of funding earning assets | 0.1715% | 6,886 |
| Net interest margin | 3.6428% | 3,909 |
| Noninterest income to average assets | 0.8063% | 2,241 |
| Noninterest expense to average assets | 2.0245% | 6,281 |
| Loan and lease loss provision to assets | 0.2380% | 2,755 |
| Net operating income to assets | 1.8999% | 431 |
| Return on assets (ROA) | 1.8121% | 559 |
| Pretax return on assets | 1.8121% | 896 |
| Return on Equity (ROE) | 17.0594% | 530 |
| Retained earnings to average equity (ytd only) | 10.6433% | 482 |
| Net charge-offs to loans | 0.1137% | 4,539 |
| Credit loss provision to net charge-offs | 441.6867% | 551 |
| Earnings coverage of net charge-offs (x) | 39.6819% | 807 |
| Efficiency ratio | 48.6386% | 6,676 |
| Assets per employee ($millions) | 6.8805% | 813 |
| Cash dividends to net income (ytd only)* | 37.6101% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 2,695 |
| Loan loss allowance to noncurrent loans | 188.9981% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 5,432 |
| Noncurrent loans to loans | 0.9360% | 4,315 |
| Net loans and leases to total assets | 44.3421% | 5,790 |
| Net loans and leases to deposits | 49.4612% | 5,997 |
| Net loans and leases to core deposits | 51.4864% | 6,050 |
| Total domestic deposits to total assets | 89.6504% | 1,155 |
| Equity capital to assets | 9.9891% | 4,178 |
| Core capital (leverage) ratio | 9.2691% | 4,474 |
| Tier 1 risk-based capital ratio | 13.8519% | 4,492 |
| Total risk-based capital ratio | 15.2148% | 4,373 |
| Memoranda: | ||
| Average total assets | $770,317,200 | 867 |
| Average earning assets | $709,670,400 | 849 |
| Average equity | $81,826,000 | 857 |
| Average total loans | $365,134,400 | 1,143 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8793% | 5,834 |
| Cost of funding earning assets | 0.1823% | 6,981 |
| Net interest margin | 3.6970% | 3,806 |
| Noninterest income to average assets | 0.7455% | 2,507 |
| Noninterest expense to average assets | 2.0949% | 6,174 |
| Loan and lease loss provision to assets | 0.1846% | 3,278 |
| Net operating income to assets | 1.8687% | 497 |
| Return on assets (ROA) | 1.7587% | 687 |
| Pretax return on assets | 1.7587% | 1,146 |
| Return on Equity (ROE) | 16.2743% | 698 |
| Retained earnings to average equity (ytd only) | 13.6286% | 333 |
| Net charge-offs to loans | 0.1372% | 4,017 |
| Credit loss provision to net charge-offs | 279.9458% | 973 |
| Earnings coverage of net charge-offs (x) | 31.1408% | 1,067 |
| Efficiency ratio | 50.5018% | 6,547 |
| Assets per employee ($millions) | 5.8595% | 1,330 |
| Cash dividends to net income (ytd only)* | 16.2569% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 4,162 |
| Loan loss allowance to noncurrent loans | 195.9352% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 5,682 |
| Noncurrent loans to loans | 0.7396% | 4,941 |
| Net loans and leases to total assets | 53.8445% | 4,771 |
| Net loans and leases to deposits | 60.9086% | 5,095 |
| Net loans and leases to core deposits | 63.6630% | 5,192 |
| Total domestic deposits to total assets | 88.4022% | 1,787 |
| Equity capital to assets | 11.1932% | 3,044 |
| Core capital (leverage) ratio | 9.6361% | 4,067 |
| Tier 1 risk-based capital ratio | 13.1728% | 5,110 |
| Total risk-based capital ratio | 14.4476% | 5,062 |
| Memoranda: | ||
| Average total assets | $746,159,500 | 901 |
| Average earning assets | $686,769,500 | 890 |
| Average equity | $80,632,500 | 869 |
| Average total loans | $358,581,500 | 1,167 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 6,043 |
| Cost of funding earning assets | 0.1934% | 7,040 |
| Net interest margin | 3.6512% | 4,031 |
| Noninterest income to average assets | 0.7566% | 2,386 |
| Noninterest expense to average assets | 2.1785% | 6,063 |
| Loan and lease loss provision to assets | 0.1298% | 3,908 |
| Net operating income to assets | 1.8022% | 563 |
| Return on assets (ROA) | 1.6795% | 787 |
| Pretax return on assets | 1.6795% | 1,316 |
| Return on Equity (ROE) | 15.7408% | 805 |
| Retained earnings to average equity (ytd only) | 15.7408% | 240 |
| Net charge-offs to loans | 0.1868% | 3,460 |
| Credit loss provision to net charge-offs | 151.9108% | 1,821 |
| Earnings coverage of net charge-offs (x) | 22.6146% | 1,289 |
| Efficiency ratio | 52.9984% | 6,419 |
| Assets per employee ($millions) | 5.6118% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 3,992 |
| Loan loss allowance to noncurrent loans | 181.6667% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 5,735 |
| Noncurrent loans to loans | 0.8274% | 4,865 |
| Net loans and leases to total assets | 49.7602% | 5,384 |
| Net loans and leases to deposits | 56.1945% | 5,627 |
| Net loans and leases to core deposits | 58.9031% | 5,698 |
| Total domestic deposits to total assets | 88.5499% | 1,790 |
| Equity capital to assets | 11.0627% | 3,050 |
| Core capital (leverage) ratio | 9.4845% | 4,159 |
| Tier 1 risk-based capital ratio | 14.2931% | 4,242 |
| Total risk-based capital ratio | 15.5816% | 4,183 |
| Memoranda: | ||
| Average total assets | $735,109,670 | 913 |
| Average earning assets | $675,230,330 | 900 |
| Average equity | $78,433,330 | 888 |
| Average total loans | $336,180,330 | 1,265 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 6,554 |
| Cost of funding earning assets | 0.2081% | 7,092 |
| Net interest margin | 3.4114% | 5,075 |
| Noninterest income to average assets | 0.7271% | 2,518 |
| Noninterest expense to average assets | 2.2493% | 5,899 |
| Loan and lease loss provision to assets | 0.0148% | 5,133 |
| Net operating income to assets | 1.5913% | 872 |
| Return on assets (ROA) | 1.5063% | 1,127 |
| Pretax return on assets | 1.5063% | 1,854 |
| Return on Equity (ROE) | 14.3887% | 1,107 |
| Retained earnings to average equity (ytd only) | 14.3887% | 525 |
| Net charge-offs to loans | -0.0291% | 6,332 |
| Credit loss provision to net charge-offs | -117.3913% | 5,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3416% | 5,870 |
| Assets per employee ($millions) | 5.6418% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 3,284 |
| Loan loss allowance to noncurrent loans | 113.3905% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 5,257 |
| Noncurrent loans to loans | 1.5128% | 3,847 |
| Net loans and leases to total assets | 42.4175% | 6,156 |
| Net loans and leases to deposits | 47.5404% | 6,316 |
| Net loans and leases to core deposits | 49.8058% | 6,360 |
| Total domestic deposits to total assets | 89.2242% | 1,534 |
| Equity capital to assets | 10.3651% | 3,653 |
| Core capital (leverage) ratio | 9.1992% | 4,519 |
| Tier 1 risk-based capital ratio | 14.6496% | 3,984 |
| Total risk-based capital ratio | 15.9552% | 3,911 |
| Memoranda: | ||
| Average total assets | $729,479,500 | 917 |
| Average earning assets | $668,934,000 | 910 |
| Average equity | $76,365,500 | 913 |
| Average total loans | $315,739,000 | 1,345 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 6,527 |
| Cost of funding earning assets | 0.2741% | 7,145 |
| Net interest margin | 3.6866% | 4,359 |
| Noninterest income to average assets | 0.7075% | 2,553 |
| Noninterest expense to average assets | 2.5844% | 5,153 |
| Loan and lease loss provision to assets | 0.2529% | 3,678 |
| Net operating income to assets | 1.2152% | 1,476 |
| Return on assets (ROA) | 0.3101% | 5,369 |
| Pretax return on assets | 0.3101% | 5,531 |
| Return on Equity (ROE) | 2.8990% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.8990% | 4,181 |
| Net charge-offs to loans | 0.2681% | 4,089 |
| Credit loss provision to net charge-offs | 198.7893% | 1,270 |
| Earnings coverage of net charge-offs (x) | 11.5412% | 1,710 |
| Efficiency ratio | 63.7735% | 5,165 |
| Assets per employee ($millions) | 5.1723% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 2,905 |
| Loan loss allowance to noncurrent loans | 102.6669% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 5,131 |
| Noncurrent loans to loans | 1.7429% | 3,546 |
| Net loans and leases to total assets | 42.6382% | 6,326 |
| Net loans and leases to deposits | 47.9261% | 6,499 |
| Net loans and leases to core deposits | 50.3622% | 6,514 |
| Total domestic deposits to total assets | 88.9665% | 1,560 |
| Equity capital to assets | 10.5780% | 3,442 |
| Core capital (leverage) ratio | 9.0015% | 4,789 |
| Tier 1 risk-based capital ratio | 15.0164% | 3,630 |
| Total risk-based capital ratio | 16.2873% | 3,577 |
| Memoranda: | ||
| Average total assets | $649,365,200 | 998 |
| Average earning assets | $589,195,400 | 1,003 |
| Average equity | $69,471,600 | 967 |
| Average total loans | $308,072,800 | 1,381 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 6,552 |
| Cost of funding earning assets | 0.2917% | 7,222 |
| Net interest margin | 3.7280% | 4,211 |
| Noninterest income to average assets | 0.8104% | 2,005 |
| Noninterest expense to average assets | 2.6756% | 4,820 |
| Loan and lease loss provision to assets | 0.2505% | 3,500 |
| Net operating income to assets | 1.2626% | 1,476 |
| Return on assets (ROA) | -0.0544% | 6,324 |
| Pretax return on assets | -0.0544% | 6,285 |
| Return on Equity (ROE) | -0.5071% | 6,319 |
| Retained earnings to average equity (ytd only) | -0.5071% | 6,069 |
| Net charge-offs to loans | 0.3604% | 3,288 |
| Credit loss provision to net charge-offs | 143.0972% | 2,219 |
| Earnings coverage of net charge-offs (x) | 8.6446% | 2,147 |
| Efficiency ratio | 63.8776% | 5,094 |
| Assets per employee ($millions) | 4.8976% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 3,950 |
| Loan loss allowance to noncurrent loans | 89.9020% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8510% | 5,052 |
| Noncurrent loans to loans | 1.7047% | 3,754 |
| Net loans and leases to total assets | 48.3386% | 5,915 |
| Net loans and leases to deposits | 54.4707% | 6,171 |
| Net loans and leases to core deposits | 57.3375% | 6,192 |
| Total domestic deposits to total assets | 88.7424% | 1,587 |
| Equity capital to assets | 10.8041% | 3,350 |
| Core capital (leverage) ratio | 9.1342% | 4,734 |
| Tier 1 risk-based capital ratio | 13.7383% | 4,548 |
| Total risk-based capital ratio | 14.9384% | 4,552 |
| Memoranda: | ||
| Average total assets | $634,555,500 | 1,027 |
| Average earning assets | $575,020,750 | 1,034 |
| Average equity | $68,100,500 | 994 |
| Average total loans | $308,180,750 | 1,390 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 6,636 |
| Cost of funding earning assets | 0.3146% | 7,286 |
| Net interest margin | 3.7050% | 4,241 |
| Noninterest income to average assets | 0.7927% | 2,057 |
| Noninterest expense to average assets | 2.7258% | 4,720 |
| Loan and lease loss provision to assets | 0.2532% | 3,377 |
| Net operating income to assets | 1.1700% | 1,661 |
| Return on assets (ROA) | -0.6880% | 6,814 |
| Pretax return on assets | -0.6880% | 6,757 |
| Return on Equity (ROE) | -6.4259% | 6,803 |
| Retained earnings to average equity (ytd only) | -6.4259% | 6,683 |
| Net charge-offs to loans | 0.6131% | 2,295 |
| Credit loss provision to net charge-offs | 85.3738% | 3,608 |
| Earnings coverage of net charge-offs (x) | 4.7985% | 2,775 |
| Efficiency ratio | 65.6986% | 4,935 |
| Assets per employee ($millions) | 5.0149% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 4,240 |
| Loan loss allowance to noncurrent loans | 80.3033% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 5,200 |
| Noncurrent loans to loans | 1.8368% | 3,699 |
| Net loans and leases to total assets | 44.2741% | 6,414 |
| Net loans and leases to deposits | 49.4272% | 6,640 |
| Net loans and leases to core deposits | 51.8308% | 6,678 |
| Total domestic deposits to total assets | 89.5744% | 1,200 |
| Equity capital to assets | 10.0372% | 4,096 |
| Core capital (leverage) ratio | 9.2784% | 4,278 |
| Tier 1 risk-based capital ratio | 14.0785% | 4,112 |
| Total risk-based capital ratio | 15.2302% | 4,160 |
| Memoranda: | ||
| Average total assets | $622,418,330 | 1,064 |
| Average earning assets | $563,840,000 | 1,071 |
| Average equity | $66,636,670 | 1,010 |
| Average total loans | $301,113,000 | 1,440 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 6,303 |
| Cost of funding earning assets | 0.3426% | 7,326 |
| Net interest margin | 3.8465% | 3,390 |
| Noninterest income to average assets | 0.7483% | 2,263 |
| Noninterest expense to average assets | 2.8896% | 4,104 |
| Loan and lease loss provision to assets | 0.3220% | 2,616 |
| Net operating income to assets | 1.0073% | 2,163 |
| Return on assets (ROA) | -2.8659% | 7,385 |
| Pretax return on assets | -2.8659% | 7,362 |
| Return on Equity (ROE) | -25.8297% | 7,286 |
| Retained earnings to average equity (ytd only) | -25.8297% | 7,251 |
| Net charge-offs to loans | 1.2553% | 1,102 |
| Credit loss provision to net charge-offs | 50.9110% | 3,729 |
| Earnings coverage of net charge-offs (x) | 2.1018% | 3,247 |
| Efficiency ratio | 68.4929% | 4,566 |
| Assets per employee ($millions) | 4.3371% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 4,480 |
| Loan loss allowance to noncurrent loans | 167.0351% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 6,074 |
| Noncurrent loans to loans | 0.8623% | 5,314 |
| Net loans and leases to total assets | 48.7233% | 5,989 |
| Net loans and leases to deposits | 55.0622% | 6,212 |
| Net loans and leases to core deposits | 58.1554% | 6,242 |
| Total domestic deposits to total assets | 88.4877% | 2,084 |
| Equity capital to assets | 11.0958% | 2,591 |
| Core capital (leverage) ratio | 9.7089% | 3,505 |
| Tier 1 risk-based capital ratio | 14.4853% | 3,748 |
| Total risk-based capital ratio | 15.5896% | 3,802 |
| Memoranda: | ||
| Average total assets | $590,106,500 | 1,134 |
| Average earning assets | $532,428,000 | 1,149 |
| Average equity | $65,475,000 | 1,021 |
| Average total loans | $297,301,500 | 1,479 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 6,197 |
| Cost of funding earning assets | 0.4595% | 7,354 |
| Net interest margin | 4.1075% | 2,530 |
| Noninterest income to average assets | 0.8536% | 2,040 |
| Noninterest expense to average assets | 2.8893% | 4,277 |
| Loan and lease loss provision to assets | 0.2388% | 4,897 |
| Net operating income to assets | 1.4093% | 931 |
| Return on assets (ROA) | -1.1198% | 6,772 |
| Pretax return on assets | -1.1198% | 6,704 |
| Return on Equity (ROE) | -11.8768% | 6,808 |
| Retained earnings to average equity (ytd only) | -11.8768% | 6,756 |
| Net charge-offs to loans | 0.7378% | 2,811 |
| Credit loss provision to net charge-offs | 58.7121% | 6,103 |
| Earnings coverage of net charge-offs (x) | 4.0518% | 3,088 |
| Efficiency ratio | 63.6772% | 5,405 |
| Assets per employee ($millions) | 4.4063% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 3,740 |
| Loan loss allowance to noncurrent loans | 112.2278% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 5,524 |
| Noncurrent loans to loans | 1.3890% | 4,402 |
| Net loans and leases to total assets | 50.5395% | 6,111 |
| Net loans and leases to deposits | 57.1381% | 6,338 |
| Net loans and leases to core deposits | 60.3248% | 6,370 |
| Total domestic deposits to total assets | 88.4515% | 1,976 |
| Equity capital to assets | 11.0951% | 2,604 |
| Core capital (leverage) ratio | 9.7082% | 3,424 |
| Tier 1 risk-based capital ratio | 14.6846% | 3,432 |
| Total risk-based capital ratio | 15.9348% | 3,395 |
| Memoranda: | ||
| Average total assets | $584,127,200 | 1,152 |
| Average earning assets | $523,873,200 | 1,172 |
| Average equity | $55,073,600 | 1,211 |
| Average total loans | $322,057,200 | 1,392 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 6,590 |
| Cost of funding earning assets | 0.4831% | 7,467 |
| Net interest margin | 4.0245% | 2,988 |
| Noninterest income to average assets | 0.7854% | 2,305 |
| Noninterest expense to average assets | 2.8251% | 4,373 |
| Loan and lease loss provision to assets | 0.2216% | 4,842 |
| Net operating income to assets | 1.3451% | 1,238 |
| Return on assets (ROA) | -2.0297% | 7,265 |
| Pretax return on assets | -2.0297% | 7,208 |
| Return on Equity (ROE) | -22.5273% | 7,267 |
| Retained earnings to average equity (ytd only) | -22.5273% | 7,253 |
| Net charge-offs to loans | 0.1242% | 5,312 |
| Credit loss provision to net charge-offs | 318.0328% | 990 |
| Earnings coverage of net charge-offs (x) | 22.4850% | 1,092 |
| Efficiency ratio | 64.3277% | 5,186 |
| Assets per employee ($millions) | 5.1602% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 2,426 |
| Loan loss allowance to noncurrent loans | 55.2349% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.6330% | 3,991 |
| Noncurrent loans to loans | 3.4739% | 2,287 |
| Net loans and leases to total assets | 45.4798% | 6,744 |
| Net loans and leases to deposits | 50.0593% | 7,006 |
| Net loans and leases to core deposits | 52.2981% | 7,036 |
| Total domestic deposits to total assets | 90.8518% | 500 |
| Equity capital to assets | 8.7854% | 5,881 |
| Core capital (leverage) ratio | 9.7048% | 3,616 |
| Tier 1 risk-based capital ratio | 13.0095% | 4,570 |
| Total risk-based capital ratio | 14.2638% | 4,544 |
| Memoranda: | ||
| Average total assets | $583,650,750 | 1,160 |
| Average earning assets | $523,013,250 | 1,185 |
| Average equity | $52,586,750 | 1,275 |
| Average total loans | $327,354,500 | 1,382 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9335% | 5,255 |
| Cost of funding earning assets | 0.5618% | 7,464 |
| Net interest margin | 4.3717% | 1,532 |
| Noninterest income to average assets | 0.8413% | 1,919 |
| Noninterest expense to average assets | 3.0187% | 3,641 |
| Loan and lease loss provision to assets | 0.2958% | 4,024 |
| Net operating income to assets | 1.4086% | 1,079 |
| Return on assets (ROA) | -3.3060% | 7,554 |
| Pretax return on assets | -3.3060% | 7,516 |
| Return on Equity (ROE) | -36.2960% | 7,502 |
| Retained earnings to average equity (ytd only) | -36.2960% | 7,492 |
| Net charge-offs to loans | 0.1642% | 4,630 |
| Credit loss provision to net charge-offs | 298.5075% | 1,243 |
| Earnings coverage of net charge-offs (x) | 17.1978% | 1,360 |
| Efficiency ratio | 63.9132% | 5,356 |
| Assets per employee ($millions) | 3.8352% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9522% | 2,299 |
| Loan loss allowance to noncurrent loans | 45.5400% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 2.6035% | 2,780 |
| Noncurrent loans to loans | 4.2869% | 1,730 |
| Net loans and leases to total assets | 58.8631% | 5,272 |
| Net loans and leases to deposits | 66.4396% | 5,754 |
| Net loans and leases to core deposits | 70.6335% | 5,811 |
| Total domestic deposits to total assets | 88.5964% | 1,682 |
| Equity capital to assets | 10.9405% | 2,927 |
| Core capital (leverage) ratio | 9.6495% | 3,607 |
| Tier 1 risk-based capital ratio | 13.3075% | 4,203 |
| Total risk-based capital ratio | 14.5625% | 4,158 |
| Memoranda: | ||
| Average total assets | $540,831,000 | 1,255 |
| Average earning assets | $480,227,000 | 1,293 |
| Average equity | $49,261,670 | 1,357 |
| Average total loans | $326,405,330 | 1,401 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 5,156 |
| Cost of funding earning assets | 0.6331% | 7,486 |
| Net interest margin | 4.3370% | 1,576 |
| Noninterest income to average assets | 0.7918% | 2,064 |
| Noninterest expense to average assets | 3.0164% | 3,616 |
| Loan and lease loss provision to assets | 0.3659% | 3,176 |
| Net operating income to assets | 1.2594% | 1,385 |
| Return on assets (ROA) | -3.7262% | 7,701 |
| Pretax return on assets | -3.7262% | 7,667 |
| Return on Equity (ROE) | -45.3216% | 7,688 |
| Retained earnings to average equity (ytd only) | -45.3216% | 7,678 |
| Net charge-offs to loans | 0.0254% | 5,216 |
| Credit loss provision to net charge-offs | 2,380.9524% | 219 |
| Earnings coverage of net charge-offs (x) | 105.7619% | 308 |
| Efficiency ratio | 64.9850% | 5,311 |
| Assets per employee ($millions) | 3.9206% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 2,567 |
| Loan loss allowance to noncurrent loans | 113.6994% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0289% | 5,096 |
| Noncurrent loans to loans | 1.6302% | 4,304 |
| Net loans and leases to total assets | 60.1900% | 5,090 |
| Net loans and leases to deposits | 66.0183% | 5,819 |
| Net loans and leases to core deposits | 75.3099% | 5,358 |
| Total domestic deposits to total assets | 91.1717% | 477 |
| Equity capital to assets | 8.3272% | 6,266 |
| Core capital (leverage) ratio | 8.4181% | 5,529 |
| Tier 1 risk-based capital ratio | 10.9253% | 6,226 |
| Total risk-based capital ratio | 12.1782% | 6,203 |
| Memoranda: | ||
| Average total assets | $546,620,500 | 1,279 |
| Average earning assets | $485,223,500 | 1,313 |
| Average equity | $44,941,000 | 1,497 |
| Average total loans | $330,739,500 | 1,421 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1433% | 5,907 |
| Cost of funding earning assets | 0.6513% | 7,735 |
| Net interest margin | 4.4920% | 1,195 |
| Noninterest income to average assets | 0.9085% | 1,914 |
| Noninterest expense to average assets | 3.0988% | 3,750 |
| Loan and lease loss provision to assets | 0.5173% | 3,786 |
| Net operating income to assets | 1.2661% | 1,097 |
| Return on assets (ROA) | -1.1538% | 6,686 |
| Pretax return on assets | -1.1538% | 6,513 |
| Return on Equity (ROE) | -12.9869% | 6,828 |
| Retained earnings to average equity (ytd only) | -18.2799% | 7,045 |
| Net charge-offs to loans | 0.2379% | 5,136 |
| Credit loss provision to net charge-offs | 354.3814% | 911 |
| Earnings coverage of net charge-offs (x) | 12.2178% | 1,528 |
| Efficiency ratio | 63.4714% | 5,876 |
| Assets per employee ($millions) | 3.8887% | 4,050 |
| Cash dividends to net income (ytd only)* | -40.7564% | 7,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 2,832 |
| Loan loss allowance to noncurrent loans | 165.0466% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 5,839 |
| Noncurrent loans to loans | 1.0422% | 5,235 |
| Net loans and leases to total assets | 58.6754% | 5,536 |
| Net loans and leases to deposits | 64.2234% | 6,236 |
| Net loans and leases to core deposits | 79.9921% | 6,103 |
| Total domestic deposits to total assets | 91.3614% | 415 |
| Equity capital to assets | 8.1181% | 6,440 |
| Core capital (leverage) ratio | 8.7609% | 4,819 |
| Tier 1 risk-based capital ratio | 11.0628% | 5,860 |
| Total risk-based capital ratio | 12.3143% | 5,823 |
| Memoranda: | ||
| Average total assets | $531,620,200 | 1,295 |
| Average earning assets | $470,283,000 | 1,340 |
| Average equity | $47,232,200 | 1,423 |
| Average total loans | $326,185,000 | 1,477 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 5,972 |
| Cost of funding earning assets | 0.6520% | 7,857 |
| Net interest margin | 4.5258% | 1,130 |
| Noninterest income to average assets | 0.8932% | 2,009 |
| Noninterest expense to average assets | 3.1155% | 3,599 |
| Loan and lease loss provision to assets | 0.6205% | 2,912 |
| Net operating income to assets | 1.1601% | 1,564 |
| Return on assets (ROA) | -1.9049% | 7,279 |
| Pretax return on assets | -1.9049% | 7,133 |
| Return on Equity (ROE) | -20.9668% | 7,408 |
| Retained earnings to average equity (ytd only) | -20.9668% | 7,378 |
| Net charge-offs to loans | 0.5537% | 3,025 |
| Credit loss provision to net charge-offs | 181.3472% | 2,520 |
| Earnings coverage of net charge-offs (x) | 5.2043% | 2,896 |
| Efficiency ratio | 63.6321% | 5,820 |
| Assets per employee ($millions) | 3.7242% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 3,887 |
| Loan loss allowance to noncurrent loans | 69.7036% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 4,482 |
| Noncurrent loans to loans | 2.0225% | 3,609 |
| Net loans and leases to total assets | 63.4352% | 4,984 |
| Net loans and leases to deposits | 70.7017% | 5,826 |
| Net loans and leases to core deposits | 88.6019% | 5,580 |
| Total domestic deposits to total assets | 89.7224% | 879 |
| Equity capital to assets | 9.6977% | 4,499 |
| Core capital (leverage) ratio | 9.2612% | 4,246 |
| Tier 1 risk-based capital ratio | 10.9597% | 5,990 |
| Total risk-based capital ratio | 12.0983% | 6,062 |
| Memoranda: | ||
| Average total assets | $526,476,250 | 1,320 |
| Average earning assets | $465,644,250 | 1,369 |
| Average equity | $47,833,250 | 1,431 |
| Average total loans | $325,312,750 | 1,500 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1735% | 6,173 |
| Cost of funding earning assets | 0.6469% | 7,962 |
| Net interest margin | 4.5266% | 1,102 |
| Noninterest income to average assets | 0.9017% | 1,984 |
| Noninterest expense to average assets | 3.1296% | 3,583 |
| Loan and lease loss provision to assets | 0.7419% | 2,207 |
| Net operating income to assets | 1.0261% | 2,016 |
| Return on assets (ROA) | -2.8268% | 7,633 |
| Pretax return on assets | -2.8268% | 7,517 |
| Return on Equity (ROE) | -31.8319% | 7,743 |
| Retained earnings to average equity (ytd only) | -31.8319% | 7,718 |
| Net charge-offs to loans | 0.7486% | 2,185 |
| Credit loss provision to net charge-offs | 162.6355% | 2,827 |
| Earnings coverage of net charge-offs (x) | 3.8757% | 3,287 |
| Efficiency ratio | 63.9012% | 5,933 |
| Assets per employee ($millions) | 3.1982% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 3,956 |
| Loan loss allowance to noncurrent loans | 116.5881% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 5,513 |
| Noncurrent loans to loans | 1.1619% | 4,894 |
| Net loans and leases to total assets | 64.1127% | 4,959 |
| Net loans and leases to deposits | 72.0767% | 5,724 |
| Net loans and leases to core deposits | 92.8313% | 5,262 |
| Total domestic deposits to total assets | 88.9507% | 1,290 |
| Equity capital to assets | 10.4333% | 3,485 |
| Core capital (leverage) ratio | 8.9306% | 4,739 |
| Tier 1 risk-based capital ratio | 10.7908% | 6,092 |
| Total risk-based capital ratio | 11.8754% | 6,194 |
| Memoranda: | ||
| Average total assets | $525,689,330 | 1,340 |
| Average earning assets | $464,054,330 | 1,393 |
| Average equity | $46,682,670 | 1,478 |
| Average total loans | $320,328,330 | 1,552 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 6,636 |
| Cost of funding earning assets | 0.6248% | 8,037 |
| Net interest margin | 4.4780% | 1,181 |
| Noninterest income to average assets | 0.8353% | 2,151 |
| Noninterest expense to average assets | 3.0141% | 3,702 |
| Loan and lease loss provision to assets | 0.6718% | 1,883 |
| Net operating income to assets | 1.1085% | 1,932 |
| Return on assets (ROA) | -1.3219% | 7,439 |
| Pretax return on assets | -1.3219% | 7,309 |
| Return on Equity (ROE) | -16.2241% | 7,648 |
| Retained earnings to average equity (ytd only) | -16.2241% | 7,498 |
| Net charge-offs to loans | -0.0847% | 7,838 |
| Credit loss provision to net charge-offs | -1,343.2836% | 6,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8678% | 5,903 |
| Assets per employee ($millions) | 3.4201% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 3,107 |
| Loan loss allowance to noncurrent loans | 96.2650% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8968% | 4,948 |
| Noncurrent loans to loans | 1.5341% | 3,978 |
| Net loans and leases to total assets | 57.5937% | 6,007 |
| Net loans and leases to deposits | 63.2089% | 6,634 |
| Net loans and leases to core deposits | 79.4941% | 6,422 |
| Total domestic deposits to total assets | 91.1165% | 377 |
| Equity capital to assets | 8.3561% | 6,305 |
| Core capital (leverage) ratio | 8.1641% | 6,166 |
| Tier 1 risk-based capital ratio | 10.1870% | 6,729 |
| Total risk-based capital ratio | 11.3812% | 6,692 |
| Memoranda: | ||
| Average total assets | $535,876,500 | 1,321 |
| Average earning assets | $473,788,000 | 1,373 |
| Average equity | $43,663,500 | 1,561 |
| Average total loans | $316,282,500 | 1,585 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1467% | 4,792 |
| Cost of funding earning assets | 1.1428% | 7,982 |
| Net interest margin | 5.0039% | 503 |
| Noninterest income to average assets | 0.8948% | 1,975 |
| Noninterest expense to average assets | 3.0017% | 4,075 |
| Loan and lease loss provision to assets | 0.5753% | 2,523 |
| Net operating income to assets | 1.6451% | 763 |
| Return on assets (ROA) | 1.6451% | 729 |
| Pretax return on assets | 1.6451% | 1,276 |
| Return on Equity (ROE) | 19.1878% | 439 |
| Retained earnings to average equity (ytd only) | 5.9711% | 1,549 |
| Net charge-offs to loans | 1.3005% | 922 |
| Credit loss provision to net charge-offs | 75.3312% | 5,990 |
| Earnings coverage of net charge-offs (x) | 2.9075% | 4,628 |
| Efficiency ratio | 57.4805% | 6,779 |
| Assets per employee ($millions) | 3.4731% | 4,742 |
| Cash dividends to net income (ytd only)* | 68.8807% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 4,795 |
| Loan loss allowance to noncurrent loans | 84.1985% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 4,780 |
| Noncurrent loans to loans | 1.3869% | 3,741 |
| Net loans and leases to total assets | 58.8997% | 6,075 |
| Net loans and leases to deposits | 64.3384% | 6,763 |
| Net loans and leases to core deposits | 72.0479% | 7,078 |
| Total domestic deposits to total assets | 91.5467% | 201 |
| Equity capital to assets | 7.9365% | 6,917 |
| Core capital (leverage) ratio | 8.1979% | 6,171 |
| Tier 1 risk-based capital ratio | 9.8599% | 6,890 |
| Total risk-based capital ratio | 10.7371% | 7,241 |
| Memoranda: | ||
| Average total assets | $494,191,400 | 1,371 |
| Average earning assets | $427,369,600 | 1,461 |
| Average equity | $42,370,600 | 1,576 |
| Average total loans | $290,202,600 | 1,665 |