Home > Citizens and Farmers Bank > Performance and Condition Ratios
Citizens and Farmers 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 | 5.6774% | 956 |
| Cost of funding earning assets | 1.0970% | 3,077 |
| Net interest margin | 4.5804% | 545 |
| Noninterest income to average assets | 1.1000% | 549 |
| Noninterest expense to average assets | 3.6096% | 504 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 1.0989% | 1,922 |
| Return on assets (ROA) | 1.0943% | 1,907 |
| Pretax return on assets | 1.3657% | 1,707 |
| Return on Equity (ROE) | 11.4800% | 2,102 |
| Retained earnings to average equity (ytd only) | 6.8258% | 1,946 |
| Net charge-offs to loans | 0.5530% | 180 |
| Credit loss provision to net charge-offs | 85.6811% | 1,977 |
| Earnings coverage of net charge-offs (x) | 4.3243% | 2,595 |
| Efficiency ratio | 67.5611% | 2,164 |
| Assets per employee ($millions) | 4.1242% | 4,115 |
| Cash dividends to net income (ytd only)* | 40.5338% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2572% | 259 |
| Loan loss allowance to noncurrent loans | 2,780.5750% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,182 |
| Noncurrent loans to loans | 0.0812% | 3,144 |
| Net loans and leases to total assets | 71.0400% | 1,693 |
| Net loans and leases to deposits | 82.5167% | 1,906 |
| Net loans and leases to core deposits | 92.3308% | 1,881 |
| Total domestic deposits to total assets | 86.1000% | 1,979 |
| Equity capital to assets | 10.0716% | 1,965 |
| Core capital (leverage) ratio | 10.2514% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1443% | 1,819 |
| Memoranda: | ||
| Average total assets | $2,389,672,800 | 489 |
| Average earning assets | $2,204,666,200 | 480 |
| Average equity | $227,827,000 | 482 |
| Average total loans | $1,714,907,400 | 463 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5732% | 935 |
| Cost of funding earning assets | 0.9860% | 3,075 |
| Net interest margin | 4.5872% | 541 |
| Noninterest income to average assets | 1.1100% | 548 |
| Noninterest expense to average assets | 3.6026% | 497 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.1353% | 1,954 |
| Return on assets (ROA) | 1.1437% | 1,916 |
| Pretax return on assets | 1.4290% | 1,717 |
| Return on Equity (ROE) | 12.1700% | 2,081 |
| Retained earnings to average equity (ytd only) | 7.0502% | 2,265 |
| Net charge-offs to loans | 0.4859% | 178 |
| Credit loss provision to net charge-offs | 87.7495% | 1,709 |
| Earnings coverage of net charge-offs (x) | 5.0098% | 2,365 |
| Efficiency ratio | 67.2017% | 2,114 |
| Assets per employee ($millions) | 4.0621% | 4,139 |
| Cash dividends to net income (ytd only)* | 42.0723% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3080% | 253 |
| Loan loss allowance to noncurrent loans | 2,216.2996% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,092 |
| Noncurrent loans to loans | 0.1041% | 3,053 |
| Net loans and leases to total assets | 70.9600% | 1,706 |
| Net loans and leases to deposits | 83.3550% | 1,796 |
| Net loans and leases to core deposits | 92.5235% | 1,764 |
| Total domestic deposits to total assets | 85.1300% | 2,460 |
| Equity capital to assets | 9.3647% | 2,191 |
| Core capital (leverage) ratio | 10.1475% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0094% | 1,894 |
| Memoranda: | ||
| Average total assets | $2,382,895,250 | 496 |
| Average earning assets | $2,199,748,750 | 485 |
| Average equity | $223,931,750 | 487 |
| Average total loans | $1,704,473,000 | 463 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4780% | 862 |
| Cost of funding earning assets | 0.8743% | 3,011 |
| Net interest margin | 4.6037% | 522 |
| Noninterest income to average assets | 1.1400% | 470 |
| Noninterest expense to average assets | 3.6035% | 475 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 1.1771% | 1,889 |
| Return on assets (ROA) | 1.1801% | 1,874 |
| Pretax return on assets | 1.4771% | 1,640 |
| Return on Equity (ROE) | 12.5400% | 1,999 |
| Retained earnings to average equity (ytd only) | 6.6403% | 2,400 |
| Net charge-offs to loans | 0.4531% | 191 |
| Credit loss provision to net charge-offs | 87.4478% | 1,520 |
| Earnings coverage of net charge-offs (x) | 5.5394% | 2,165 |
| Efficiency ratio | 66.6485% | 2,158 |
| Assets per employee ($millions) | 3.9769% | 4,193 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3510% | 256 |
| Loan loss allowance to noncurrent loans | 2,876.3662% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 3,178 |
| Noncurrent loans to loans | 0.0817% | 3,103 |
| Net loans and leases to total assets | 70.2000% | 1,717 |
| Net loans and leases to deposits | 83.6080% | 1,705 |
| Net loans and leases to core deposits | 92.6789% | 1,644 |
| Total domestic deposits to total assets | 83.9600% | 2,828 |
| Equity capital to assets | 9.4328% | 2,211 |
| Core capital (leverage) ratio | 9.9721% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0667% | 1,866 |
| Memoranda: | ||
| Average total assets | $2,376,951,667 | 484 |
| Average earning assets | $2,194,474,333 | 476 |
| Average equity | $223,635,333 | 477 |
| Average total loans | $1,691,358,667 | 452 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3676% | 766 |
| Cost of funding earning assets | 0.6853% | 3,101 |
| Net interest margin | 4.6824% | 456 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 3.6052% | 484 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | 1.1878% | 1,964 |
| Return on assets (ROA) | 1.1917% | 1,915 |
| Pretax return on assets | 1.4858% | 1,702 |
| Return on Equity (ROE) | 12.6800% | 2,057 |
| Retained earnings to average equity (ytd only) | 7.1059% | 2,466 |
| Net charge-offs to loans | 0.5074% | 159 |
| Credit loss provision to net charge-offs | 91.7647% | 1,170 |
| Earnings coverage of net charge-offs (x) | 5.0809% | 1,829 |
| Efficiency ratio | 66.1790% | 2,188 |
| Assets per employee ($millions) | 3.9936% | 4,247 |
| Cash dividends to net income (ytd only)* | 43.9716% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4024% | 243 |
| Loan loss allowance to noncurrent loans | 2,770.2849% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 3,176 |
| Noncurrent loans to loans | 0.0867% | 3,120 |
| Net loans and leases to total assets | 68.5500% | 1,781 |
| Net loans and leases to deposits | 82.2571% | 1,632 |
| Net loans and leases to core deposits | 90.4208% | 1,592 |
| Total domestic deposits to total assets | 83.3300% | 3,234 |
| Equity capital to assets | 9.3564% | 2,253 |
| Core capital (leverage) ratio | 9.9572% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0353% | 1,964 |
| Memoranda: | ||
| Average total assets | $2,366,388,500 | 497 |
| Average earning assets | $2,184,873,500 | 488 |
| Average equity | $222,350,000 | 489 |
| Average total loans | $1,675,106,500 | 459 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 409 |
| Cost of funding earning assets | 0.2614% | 3,234 |
| Net interest margin | 4.5664% | 258 |
| Noninterest income to average assets | 1.2300% | 451 |
| Noninterest expense to average assets | 3.6541% | 429 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.3040% | 1,408 |
| Return on assets (ROA) | 1.3864% | 1,114 |
| Pretax return on assets | 1.7601% | 803 |
| Return on Equity (ROE) | 14.4000% | 1,434 |
| Retained earnings to average equity (ytd only) | 8.7368% | 1,556 |
| Net charge-offs to loans | 0.1804% | 457 |
| Credit loss provision to net charge-offs | 112.8424% | 1,496 |
| Earnings coverage of net charge-offs (x) | 14.6151% | 2,023 |
| Efficiency ratio | 66.8618% | 2,102 |
| Assets per employee ($millions) | 3.7727% | 4,358 |
| Cash dividends to net income (ytd only)* | 39.3181% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4549% | 220 |
| Loan loss allowance to noncurrent loans | 2,936.0870% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,211 |
| Noncurrent loans to loans | 0.0836% | 3,157 |
| Net loans and leases to total assets | 69.6200% | 1,670 |
| Net loans and leases to deposits | 79.4396% | 1,814 |
| Net loans and leases to core deposits | 83.7118% | 1,890 |
| Total domestic deposits to total assets | 87.6300% | 2,198 |
| Equity capital to assets | 9.4378% | 2,058 |
| Core capital (leverage) ratio | 9.9295% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1993% | 1,899 |
| Memoranda: | ||
| Average total assets | $2,293,069,800 | 493 |
| Average earning assets | $2,116,347,800 | 485 |
| Average equity | $220,814,200 | 483 |
| Average total loans | $1,558,330,200 | 460 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 395 |
| Cost of funding earning assets | 0.2335% | 2,889 |
| Net interest margin | 4.4076% | 277 |
| Noninterest income to average assets | 1.2900% | 438 |
| Noninterest expense to average assets | 3.7049% | 403 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.2309% | 1,586 |
| Return on assets (ROA) | 1.2150% | 1,623 |
| Pretax return on assets | 1.5585% | 1,235 |
| Return on Equity (ROE) | 12.5500% | 1,857 |
| Retained earnings to average equity (ytd only) | 6.8341% | 2,432 |
| Net charge-offs to loans | 0.0590% | 892 |
| Credit loss provision to net charge-offs | 206.4801% | 966 |
| Earnings coverage of net charge-offs (x) | 41.8822% | 1,369 |
| Efficiency ratio | 68.8528% | 1,904 |
| Assets per employee ($millions) | 3.6591% | 4,445 |
| Cash dividends to net income (ytd only)* | 45.5614% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5534% | 221 |
| Loan loss allowance to noncurrent loans | 1,774.3056% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 2,793 |
| Noncurrent loans to loans | 0.1439% | 2,900 |
| Net loans and leases to total assets | 67.2500% | 1,760 |
| Net loans and leases to deposits | 76.3879% | 1,844 |
| Net loans and leases to core deposits | 80.6382% | 1,860 |
| Total domestic deposits to total assets | 88.0400% | 2,423 |
| Equity capital to assets | 8.9182% | 2,267 |
| Core capital (leverage) ratio | 9.6663% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1631% | 1,985 |
| Memoranda: | ||
| Average total assets | $2,288,177,750 | 492 |
| Average earning assets | $2,112,768,000 | 486 |
| Average equity | $221,452,250 | 484 |
| Average total loans | $1,535,290,000 | 464 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 409 |
| Cost of funding earning assets | 0.2228% | 2,614 |
| Net interest margin | 4.2193% | 323 |
| Noninterest income to average assets | 1.3654% | 388 |
| Noninterest expense to average assets | 3.6831% | 358 |
| Loan and lease loss provision to assets | 0.0177% | 2,284 |
| Net operating income to assets | 1.2182% | 1,370 |
| Return on assets (ROA) | 1.2066% | 1,389 |
| Pretax return on assets | 1.5563% | 1,036 |
| Return on Equity (ROE) | 12.1438% | 1,633 |
| Retained earnings to average equity (ytd only) | 6.8412% | 2,035 |
| Net charge-offs to loans | -0.0211% | 3,898 |
| Credit loss provision to net charge-offs | -126.2500% | 3,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6613% | 2,006 |
| Assets per employee ($millions) | 3.6583% | 4,506 |
| Cash dividends to net income (ytd only)* | 43.6649% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5922% | 224 |
| Loan loss allowance to noncurrent loans | 3,808.1767% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,336 |
| Noncurrent loans to loans | 0.0681% | 3,457 |
| Net loans and leases to total assets | 65.7509% | 1,726 |
| Net loans and leases to deposits | 75.0693% | 1,755 |
| Net loans and leases to core deposits | 78.7450% | 1,800 |
| Total domestic deposits to total assets | 87.5869% | 2,737 |
| Equity capital to assets | 9.4456% | 2,058 |
| Core capital (leverage) ratio | 9.5379% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1829% | 1,980 |
| Memoranda: | ||
| Average total assets | $2,277,604,000 | 489 |
| Average earning assets | $2,106,830,333 | 491 |
| Average equity | $226,305,333 | 480 |
| Average total loans | $1,513,389,000 | 463 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 467 |
| Cost of funding earning assets | 0.2244% | 2,471 |
| Net interest margin | 4.0450% | 381 |
| Noninterest income to average assets | 1.3950% | 389 |
| Noninterest expense to average assets | 3.7328% | 337 |
| Loan and lease loss provision to assets | -0.0581% | 4,529 |
| Net operating income to assets | 1.1381% | 1,411 |
| Return on assets (ROA) | 1.1227% | 1,458 |
| Pretax return on assets | 1.4508% | 1,128 |
| Return on Equity (ROE) | 11.0199% | 1,614 |
| Retained earnings to average equity (ytd only) | 5.8046% | 2,312 |
| Net charge-offs to loans | 0.0164% | 1,210 |
| Credit loss provision to net charge-offs | -537.7049% | 3,156 |
| Earnings coverage of net charge-offs (x) | 130.2623% | 583 |
| Efficiency ratio | 72.3633% | 1,930 |
| Assets per employee ($millions) | 3.5159% | 4,553 |
| Cash dividends to net income (ytd only)* | 47.3261% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6747% | 234 |
| Loan loss allowance to noncurrent loans | 5,198.4314% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,704 |
| Noncurrent loans to loans | 0.0515% | 3,613 |
| Net loans and leases to total assets | 63.5151% | 1,687 |
| Net loans and leases to deposits | 72.6388% | 1,734 |
| Net loans and leases to core deposits | 76.5006% | 1,747 |
| Total domestic deposits to total assets | 87.4395% | 2,768 |
| Equity capital to assets | 9.8501% | 2,003 |
| Core capital (leverage) ratio | 9.7594% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5387% | 1,974 |
| Memoranda: | ||
| Average total assets | $2,258,568,000 | 497 |
| Average earning assets | $2,091,091,500 | 494 |
| Average equity | $230,093,000 | 485 |
| Average total loans | $1,488,535,500 | 466 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7579% | 390 |
| Cost of funding earning assets | 0.3043% | 2,372 |
| Net interest margin | 4.4536% | 299 |
| Noninterest income to average assets | 2.1822% | 273 |
| Noninterest expense to average assets | 4.3233% | 233 |
| Loan and lease loss provision to assets | 0.0268% | 2,521 |
| Net operating income to assets | 1.4633% | 1,099 |
| Return on assets (ROA) | 1.4499% | 1,209 |
| Pretax return on assets | 1.9148% | 704 |
| Return on Equity (ROE) | 13.7193% | 1,259 |
| Retained earnings to average equity (ytd only) | 8.2145% | 1,456 |
| Net charge-offs to loans | -0.0280% | 4,098 |
| Credit loss provision to net charge-offs | -134.9765% | 3,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6518% | 1,902 |
| Assets per employee ($millions) | 3.4819% | 4,589 |
| Cash dividends to net income (ytd only)* | 40.1245% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6947% | 217 |
| Loan loss allowance to noncurrent loans | 1,294.5519% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 2,705 |
| Noncurrent loans to loans | 0.2082% | 2,911 |
| Net loans and leases to total assets | 64.7695% | 1,614 |
| Net loans and leases to deposits | 74.9238% | 1,648 |
| Net loans and leases to core deposits | 79.5382% | 1,640 |
| Total domestic deposits to total assets | 86.4471% | 2,735 |
| Equity capital to assets | 10.5309% | 2,147 |
| Core capital (leverage) ratio | 9.7918% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5317% | 2,041 |
| Memoranda: | ||
| Average total assets | $2,148,608,200 | 496 |
| Average earning assets | $1,975,131,200 | 502 |
| Average equity | $227,073,800 | 485 |
| Average total loans | $1,519,310,200 | 465 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 392 |
| Cost of funding earning assets | 0.3255% | 2,344 |
| Net interest margin | 4.5045% | 312 |
| Noninterest income to average assets | 2.3973% | 258 |
| Noninterest expense to average assets | 4.4893% | 215 |
| Loan and lease loss provision to assets | 0.0069% | 2,843 |
| Net operating income to assets | 1.5587% | 1,125 |
| Return on assets (ROA) | 1.5461% | 1,199 |
| Pretax return on assets | 2.0262% | 760 |
| Return on Equity (ROE) | 14.6160% | 1,220 |
| Retained earnings to average equity (ytd only) | 9.5768% | 1,458 |
| Net charge-offs to loans | -0.0158% | 3,867 |
| Credit loss provision to net charge-offs | -60.7735% | 3,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4942% | 1,760 |
| Assets per employee ($millions) | 3.3231% | 4,690 |
| Cash dividends to net income (ytd only)* | 34.4772% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6317% | 231 |
| Loan loss allowance to noncurrent loans | 1,310.0963% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 2,929 |
| Noncurrent loans to loans | 0.2009% | 3,147 |
| Net loans and leases to total assets | 67.0512% | 1,422 |
| Net loans and leases to deposits | 77.9943% | 1,485 |
| Net loans and leases to core deposits | 83.2520% | 1,475 |
| Total domestic deposits to total assets | 85.9693% | 2,757 |
| Equity capital to assets | 10.6553% | 2,313 |
| Core capital (leverage) ratio | 9.8990% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3498% | 2,232 |
| Memoranda: | ||
| Average total assets | $2,126,047,500 | 499 |
| Average earning assets | $1,951,824,750 | 512 |
| Average equity | $224,899,250 | 490 |
| Average total loans | $1,526,575,500 | 472 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 429 |
| Cost of funding earning assets | 0.3485% | 2,329 |
| Net interest margin | 4.5185% | 341 |
| Noninterest income to average assets | 2.4852% | 248 |
| Noninterest expense to average assets | 4.6024% | 207 |
| Loan and lease loss provision to assets | -0.0303% | 4,468 |
| Net operating income to assets | 1.5643% | 1,135 |
| Return on assets (ROA) | 1.5530% | 1,217 |
| Pretax return on assets | 2.0461% | 760 |
| Return on Equity (ROE) | 14.7181% | 1,229 |
| Retained earnings to average equity (ytd only) | 10.6742% | 1,201 |
| Net charge-offs to loans | -0.0150% | 3,854 |
| Credit loss provision to net charge-offs | 278.2609% | 923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2167% | 1,735 |
| Assets per employee ($millions) | 3.1063% | 4,768 |
| Cash dividends to net income (ytd only)* | 27.4759% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5995% | 247 |
| Loan loss allowance to noncurrent loans | 1,276.6634% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 3,049 |
| Noncurrent loans to loans | 0.2036% | 3,230 |
| Net loans and leases to total assets | 68.2905% | 1,415 |
| Net loans and leases to deposits | 78.8944% | 1,530 |
| Net loans and leases to core deposits | 84.4739% | 1,526 |
| Total domestic deposits to total assets | 86.5593% | 2,529 |
| Equity capital to assets | 10.6918% | 2,232 |
| Core capital (leverage) ratio | 9.7855% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5899% | 2,126 |
| Memoranda: | ||
| Average total assets | $2,109,177,000 | 499 |
| Average earning assets | $1,933,647,667 | 511 |
| Average equity | $222,556,000 | 491 |
| Average total loans | $1,535,793,333 | 471 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 478 |
| Cost of funding earning assets | 0.3787% | 2,276 |
| Net interest margin | 4.4400% | 398 |
| Noninterest income to average assets | 2.6176% | 253 |
| Noninterest expense to average assets | 4.6749% | 192 |
| Loan and lease loss provision to assets | 0.0535% | 2,036 |
| Net operating income to assets | 1.4808% | 1,377 |
| Return on assets (ROA) | 1.4725% | 1,453 |
| Pretax return on assets | 1.9534% | 1,026 |
| Return on Equity (ROE) | 14.0502% | 1,422 |
| Retained earnings to average equity (ytd only) | 9.4961% | 1,800 |
| Net charge-offs to loans | 0.1037% | 669 |
| Credit loss provision to net charge-offs | 69.4789% | 1,250 |
| Earnings coverage of net charge-offs (x) | 26.1514% | 1,144 |
| Efficiency ratio | 69.6854% | 1,738 |
| Assets per employee ($millions) | 3.0838% | 4,805 |
| Cash dividends to net income (ytd only)* | 32.4128% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5132% | 256 |
| Loan loss allowance to noncurrent loans | 1,178.1769% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 3,175 |
| Noncurrent loans to loans | 0.2133% | 3,343 |
| Net loans and leases to total assets | 70.8487% | 1,176 |
| Net loans and leases to deposits | 81.6416% | 1,358 |
| Net loans and leases to core deposits | 87.6513% | 1,395 |
| Total domestic deposits to total assets | 86.7801% | 2,405 |
| Equity capital to assets | 10.3423% | 2,401 |
| Core capital (leverage) ratio | 9.7638% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2296% | 2,194 |
| Memoranda: | ||
| Average total assets | $2,095,192,000 | 497 |
| Average earning assets | $1,920,263,000 | 505 |
| Average equity | $219,584,500 | 490 |
| Average total loans | $1,554,480,500 | 468 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5912% | 161 |
| Cost of funding earning assets | 0.6778% | 1,831 |
| Net interest margin | 4.9134% | 143 |
| Noninterest income to average assets | 2.7870% | 216 |
| Noninterest expense to average assets | 5.0047% | 191 |
| Loan and lease loss provision to assets | 0.5822% | 358 |
| Net operating income to assets | 1.2845% | 1,293 |
| Return on assets (ROA) | 1.2673% | 1,447 |
| Pretax return on assets | 1.6662% | 917 |
| Return on Equity (ROE) | 11.8427% | 1,368 |
| Retained earnings to average equity (ytd only) | 7.5483% | 1,182 |
| Net charge-offs to loans | 0.3323% | 531 |
| Credit loss provision to net charge-offs | 230.9777% | 2,013 |
| Earnings coverage of net charge-offs (x) | 8.9890% | 2,552 |
| Efficiency ratio | 68.5971% | 2,152 |
| Assets per employee ($millions) | 2.9459% | 4,821 |
| Cash dividends to net income (ytd only)* | 36.2619% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5167% | 259 |
| Loan loss allowance to noncurrent loans | 1,095.5792% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 3,200 |
| Noncurrent loans to loans | 0.2297% | 3,380 |
| Net loans and leases to total assets | 73.8653% | 1,037 |
| Net loans and leases to deposits | 85.5121% | 1,291 |
| Net loans and leases to core deposits | 92.2259% | 1,371 |
| Total domestic deposits to total assets | 86.3799% | 2,193 |
| Equity capital to assets | 10.6242% | 2,573 |
| Core capital (leverage) ratio | 9.6471% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7838% | 2,318 |
| Memoranda: | ||
| Average total assets | $1,903,124,600 | 497 |
| Average earning assets | $1,736,593,400 | 503 |
| Average equity | $203,661,000 | 496 |
| Average total loans | $1,443,536,800 | 462 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6623% | 162 |
| Cost of funding earning assets | 0.7411% | 1,792 |
| Net interest margin | 4.9212% | 159 |
| Noninterest income to average assets | 2.4946% | 241 |
| Noninterest expense to average assets | 4.8380% | 204 |
| Loan and lease loss provision to assets | 0.6825% | 324 |
| Net operating income to assets | 1.1257% | 1,895 |
| Return on assets (ROA) | 1.1085% | 2,075 |
| Pretax return on assets | 1.4472% | 1,584 |
| Return on Equity (ROE) | 10.3384% | 1,891 |
| Retained earnings to average equity (ytd only) | 6.0993% | 2,061 |
| Net charge-offs to loans | 0.3360% | 465 |
| Credit loss provision to net charge-offs | 267.7320% | 1,863 |
| Earnings coverage of net charge-offs (x) | 8.4261% | 2,495 |
| Efficiency ratio | 68.9985% | 2,035 |
| Assets per employee ($millions) | 2.9983% | 4,841 |
| Cash dividends to net income (ytd only)* | 41.0032% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4102% | 259 |
| Loan loss allowance to noncurrent loans | 2,340.7831% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 3,743 |
| Noncurrent loans to loans | 0.1030% | 3,954 |
| Net loans and leases to total assets | 77.1686% | 937 |
| Net loans and leases to deposits | 93.4355% | 970 |
| Net loans and leases to core deposits | 100.9731% | 1,093 |
| Total domestic deposits to total assets | 82.5903% | 3,254 |
| Equity capital to assets | 10.4643% | 2,823 |
| Core capital (leverage) ratio | 9.7094% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2416% | 2,517 |
| Memoranda: | ||
| Average total assets | $1,865,579,250 | 497 |
| Average earning assets | $1,702,647,250 | 504 |
| Average equity | $200,039,500 | 496 |
| Average total loans | $1,415,461,750 | 467 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8672% | 171 |
| Cost of funding earning assets | 0.8268% | 1,691 |
| Net interest margin | 5.0404% | 186 |
| Noninterest income to average assets | 2.0807% | 276 |
| Noninterest expense to average assets | 4.7935% | 212 |
| Loan and lease loss provision to assets | 0.6914% | 405 |
| Net operating income to assets | 0.9376% | 2,550 |
| Return on assets (ROA) | 0.9210% | 2,739 |
| Pretax return on assets | 1.1812% | 2,424 |
| Return on Equity (ROE) | 8.5121% | 2,552 |
| Retained earnings to average equity (ytd only) | 3.4263% | 3,210 |
| Net charge-offs to loans | 0.4488% | 354 |
| Credit loss provision to net charge-offs | 206.3387% | 1,885 |
| Earnings coverage of net charge-offs (x) | 5.6461% | 2,498 |
| Efficiency ratio | 71.4253% | 1,773 |
| Assets per employee ($millions) | 2.9001% | 4,877 |
| Cash dividends to net income (ytd only)* | 59.7477% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4143% | 246 |
| Loan loss allowance to noncurrent loans | 1,487.7988% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 3,625 |
| Noncurrent loans to loans | 0.1623% | 3,802 |
| Net loans and leases to total assets | 74.8578% | 1,297 |
| Net loans and leases to deposits | 88.6221% | 1,492 |
| Net loans and leases to core deposits | 96.3502% | 1,552 |
| Total domestic deposits to total assets | 84.4685% | 2,569 |
| Equity capital to assets | 10.6589% | 2,612 |
| Core capital (leverage) ratio | 9.5961% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5212% | 2,389 |
| Memoranda: | ||
| Average total assets | $1,807,834,333 | 507 |
| Average earning assets | $1,651,583,000 | 507 |
| Average equity | $195,603,667 | 507 |
| Average total loans | $1,349,888,333 | 481 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2456% | 118 |
| Cost of funding earning assets | 0.9643% | 1,586 |
| Net interest margin | 5.2813% | 134 |
| Noninterest income to average assets | 2.0063% | 271 |
| Noninterest expense to average assets | 4.9953% | 223 |
| Loan and lease loss provision to assets | 0.6101% | 449 |
| Net operating income to assets | 0.9502% | 2,350 |
| Return on assets (ROA) | 0.9369% | 2,498 |
| Pretax return on assets | 1.2247% | 2,113 |
| Return on Equity (ROE) | 8.5871% | 2,283 |
| Retained earnings to average equity (ytd only) | 1.8592% | 3,488 |
| Net charge-offs to loans | 0.6968% | 216 |
| Credit loss provision to net charge-offs | 119.1011% | 1,711 |
| Earnings coverage of net charge-offs (x) | 3.6072% | 2,198 |
| Efficiency ratio | 72.7172% | 1,970 |
| Assets per employee ($millions) | 2.5330% | 4,950 |
| Cash dividends to net income (ytd only)* | 78.3485% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4608% | 261 |
| Loan loss allowance to noncurrent loans | 1,451.5257% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 3,759 |
| Noncurrent loans to loans | 0.1695% | 3,858 |
| Net loans and leases to total assets | 71.3781% | 2,023 |
| Net loans and leases to deposits | 88.8481% | 1,658 |
| Net loans and leases to core deposits | 97.4717% | 1,683 |
| Total domestic deposits to total assets | 80.3373% | 3,793 |
| Equity capital to assets | 11.0231% | 2,837 |
| Core capital (leverage) ratio | 9.9633% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8148% | 2,360 |
| Memoranda: | ||
| Average total assets | $1,737,309,500 | 512 |
| Average earning assets | $1,591,131,500 | 511 |
| Average equity | $189,540,500 | 521 |
| Average total loans | $1,277,340,000 | 486 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6357% | 93 |
| Cost of funding earning assets | 0.9349% | 2,034 |
| Net interest margin | 5.7009% | 86 |
| Noninterest income to average assets | 1.8853% | 287 |
| Noninterest expense to average assets | 4.8485% | 242 |
| Loan and lease loss provision to assets | 0.5420% | 230 |
| Net operating income to assets | 1.3315% | 1,574 |
| Return on assets (ROA) | 1.3326% | 1,654 |
| Pretax return on assets | 1.7056% | 1,174 |
| Return on Equity (ROE) | 11.8283% | 1,577 |
| Retained earnings to average equity (ytd only) | -0.9588% | 4,802 |
| Net charge-offs to loans | 0.8377% | 196 |
| Credit loss provision to net charge-offs | 88.1014% | 2,675 |
| Earnings coverage of net charge-offs (x) | 3.6514% | 3,298 |
| Efficiency ratio | 68.1312% | 2,439 |
| Assets per employee ($millions) | 2.5280% | 4,992 |
| Cash dividends to net income (ytd only)* | 108.1060% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7359% | 164 |
| Loan loss allowance to noncurrent loans | 1,262.4040% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 3,535 |
| Noncurrent loans to loans | 0.2167% | 3,681 |
| Net loans and leases to total assets | 71.8943% | 2,110 |
| Net loans and leases to deposits | 90.4262% | 1,541 |
| Net loans and leases to core deposits | 98.7555% | 1,671 |
| Total domestic deposits to total assets | 79.5061% | 4,074 |
| Equity capital to assets | 10.7813% | 3,202 |
| Core capital (leverage) ratio | 10.2815% | 3,209 |
| Tier 1 risk-based capital ratio | 12.7790% | 3,904 |
| Total risk-based capital ratio | 14.0450% | 3,789 |
| Memoranda: | ||
| Average total assets | $1,570,967,200 | 535 |
| Average earning assets | $1,435,619,600 | 529 |
| Average equity | $176,990,800 | 525 |
| Average total loans | $1,153,822,200 | 509 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6980% | 90 |
| Cost of funding earning assets | 0.9253% | 2,115 |
| Net interest margin | 5.7727% | 80 |
| Noninterest income to average assets | 2.0006% | 269 |
| Noninterest expense to average assets | 4.9877% | 215 |
| Loan and lease loss provision to assets | 0.5141% | 235 |
| Net operating income to assets | 1.3747% | 1,551 |
| Return on assets (ROA) | 1.3749% | 1,624 |
| Pretax return on assets | 1.7641% | 1,172 |
| Return on Equity (ROE) | 12.0679% | 1,596 |
| Retained earnings to average equity (ytd only) | 4.3044% | 3,245 |
| Net charge-offs to loans | 0.7952% | 198 |
| Credit loss provision to net charge-offs | 88.1791% | 2,414 |
| Earnings coverage of net charge-offs (x) | 3.9069% | 3,063 |
| Efficiency ratio | 68.4244% | 2,355 |
| Assets per employee ($millions) | 2.5732% | 5,056 |
| Cash dividends to net income (ytd only)* | 64.3315% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8220% | 155 |
| Loan loss allowance to noncurrent loans | 1,480.9630% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 3,737 |
| Noncurrent loans to loans | 0.1906% | 3,854 |
| Net loans and leases to total assets | 71.2390% | 2,282 |
| Net loans and leases to deposits | 91.5592% | 1,492 |
| Net loans and leases to core deposits | 99.6395% | 1,687 |
| Total domestic deposits to total assets | 77.8066% | 4,382 |
| Equity capital to assets | 11.3965% | 2,739 |
| Core capital (leverage) ratio | 11.1208% | 2,540 |
| Tier 1 risk-based capital ratio | 13.4682% | 3,589 |
| Total risk-based capital ratio | 14.7349% | 3,488 |
| Memoranda: | ||
| Average total assets | $1,557,325,000 | 539 |
| Average earning assets | $1,420,330,750 | 536 |
| Average equity | $177,425,000 | 526 |
| Average total loans | $1,141,892,500 | 514 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7197% | 95 |
| Cost of funding earning assets | 0.9034% | 2,124 |
| Net interest margin | 5.8163% | 76 |
| Noninterest income to average assets | 1.9716% | 272 |
| Noninterest expense to average assets | 5.0039% | 220 |
| Loan and lease loss provision to assets | 0.5457% | 205 |
| Net operating income to assets | 1.3574% | 1,548 |
| Return on assets (ROA) | 1.3580% | 1,613 |
| Pretax return on assets | 1.7366% | 1,196 |
| Return on Equity (ROE) | 11.9212% | 1,605 |
| Retained earnings to average equity (ytd only) | 1.5948% | 4,252 |
| Net charge-offs to loans | 0.8542% | 167 |
| Credit loss provision to net charge-offs | 87.1141% | 2,161 |
| Earnings coverage of net charge-offs (x) | 3.6422% | 2,817 |
| Efficiency ratio | 68.4331% | 2,460 |
| Assets per employee ($millions) | 2.5007% | 5,126 |
| Cash dividends to net income (ytd only)* | 86.6221% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8404% | 152 |
| Loan loss allowance to noncurrent loans | 1,939.6632% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 4,113 |
| Noncurrent loans to loans | 0.1464% | 4,031 |
| Net loans and leases to total assets | 73.2194% | 2,020 |
| Net loans and leases to deposits | 94.2450% | 1,233 |
| Net loans and leases to core deposits | 102.2073% | 1,535 |
| Total domestic deposits to total assets | 77.6905% | 4,453 |
| Equity capital to assets | 11.4297% | 2,672 |
| Core capital (leverage) ratio | 10.9593% | 2,637 |
| Tier 1 risk-based capital ratio | 13.1569% | 3,753 |
| Total risk-based capital ratio | 14.4238% | 3,656 |
| Memoranda: | ||
| Average total assets | $1,541,203,000 | 544 |
| Average earning assets | $1,408,035,330 | 541 |
| Average equity | $175,569,330 | 526 |
| Average total loans | $1,130,157,670 | 517 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5481% | 114 |
| Cost of funding earning assets | 0.8635% | 2,190 |
| Net interest margin | 5.6847% | 90 |
| Noninterest income to average assets | 1.8658% | 273 |
| Noninterest expense to average assets | 5.0434% | 198 |
| Loan and lease loss provision to assets | 0.6255% | 165 |
| Net operating income to assets | 1.0953% | 2,492 |
| Return on assets (ROA) | 1.0961% | 2,533 |
| Pretax return on assets | 1.3889% | 2,127 |
| Return on Equity (ROE) | 9.6384% | 2,525 |
| Retained earnings to average equity (ytd only) | -3.6560% | 4,847 |
| Net charge-offs to loans | 1.0220% | 134 |
| Credit loss provision to net charge-offs | 84.6589% | 1,752 |
| Earnings coverage of net charge-offs (x) | 2.7250% | 2,469 |
| Efficiency ratio | 71.1806% | 2,162 |
| Assets per employee ($millions) | 2.4302% | 5,201 |
| Cash dividends to net income (ytd only)* | 137.9319% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0216% | 130 |
| Loan loss allowance to noncurrent loans | 1,364.2973% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 3,940 |
| Noncurrent loans to loans | 0.2215% | 3,794 |
| Net loans and leases to total assets | 69.7492% | 2,521 |
| Net loans and leases to deposits | 89.5156% | 1,687 |
| Net loans and leases to core deposits | 96.6499% | 1,885 |
| Total domestic deposits to total assets | 77.9185% | 4,528 |
| Equity capital to assets | 11.2651% | 2,591 |
| Core capital (leverage) ratio | 10.9755% | 2,597 |
| Tier 1 risk-based capital ratio | 13.4240% | 3,653 |
| Total risk-based capital ratio | 14.6923% | 3,544 |
| Memoranda: | ||
| Average total assets | $1,531,591,500 | 546 |
| Average earning assets | $1,398,564,000 | 544 |
| Average equity | $174,178,000 | 525 |
| Average total loans | $1,107,269,000 | 528 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6944% | 73 |
| Cost of funding earning assets | 0.7160% | 1,989 |
| Net interest margin | 5.9784% | 72 |
| Noninterest income to average assets | 1.7100% | 331 |
| Noninterest expense to average assets | 4.7922% | 240 |
| Loan and lease loss provision to assets | 0.7263% | 138 |
| Net operating income to assets | 1.2889% | 1,851 |
| Return on assets (ROA) | 1.2894% | 1,838 |
| Pretax return on assets | 1.6341% | 1,363 |
| Return on Equity (ROE) | 11.5865% | 1,870 |
| Retained earnings to average equity (ytd only) | 7.8423% | 1,312 |
| Net charge-offs to loans | 1.1727% | 107 |
| Credit loss provision to net charge-offs | 86.6000% | 2,763 |
| Earnings coverage of net charge-offs (x) | 2.8136% | 3,485 |
| Efficiency ratio | 66.5898% | 2,767 |
| Assets per employee ($millions) | 2.3937% | 5,242 |
| Cash dividends to net income (ytd only)* | 32.3149% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0848% | 122 |
| Loan loss allowance to noncurrent loans | 1,341.0721% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 3,891 |
| Noncurrent loans to loans | 0.2300% | 3,760 |
| Net loans and leases to total assets | 70.4332% | 2,505 |
| Net loans and leases to deposits | 90.4263% | 1,742 |
| Net loans and leases to core deposits | 96.3886% | 2,024 |
| Total domestic deposits to total assets | 77.8901% | 4,510 |
| Equity capital to assets | 11.4816% | 2,262 |
| Core capital (leverage) ratio | 11.1579% | 2,393 |
| Tier 1 risk-based capital ratio | 13.8570% | 3,357 |
| Total risk-based capital ratio | 15.1265% | 3,275 |
| Memoranda: | ||
| Average total assets | $1,515,351,200 | 536 |
| Average earning assets | $1,379,366,600 | 533 |
| Average equity | $168,636,600 | 520 |
| Average total loans | $1,083,767,600 | 524 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6691% | 74 |
| Cost of funding earning assets | 0.6950% | 1,870 |
| Net interest margin | 5.9741% | 74 |
| Noninterest income to average assets | 1.7980% | 325 |
| Noninterest expense to average assets | 4.8504% | 223 |
| Loan and lease loss provision to assets | 0.6777% | 145 |
| Net operating income to assets | 1.3388% | 1,708 |
| Return on assets (ROA) | 1.3395% | 1,715 |
| Pretax return on assets | 1.7055% | 1,268 |
| Return on Equity (ROE) | 12.1327% | 1,746 |
| Retained earnings to average equity (ytd only) | 9.0449% | 1,199 |
| Net charge-offs to loans | 1.0463% | 134 |
| Credit loss provision to net charge-offs | 90.9413% | 2,414 |
| Earnings coverage of net charge-offs (x) | 3.1969% | 3,184 |
| Efficiency ratio | 66.6237% | 2,767 |
| Assets per employee ($millions) | 2.3356% | 5,326 |
| Cash dividends to net income (ytd only)* | 25.4501% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2325% | 110 |
| Loan loss allowance to noncurrent loans | 801.9959% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 3,482 |
| Noncurrent loans to loans | 0.4031% | 3,206 |
| Net loans and leases to total assets | 70.0121% | 2,644 |
| Net loans and leases to deposits | 90.3087% | 1,856 |
| Net loans and leases to core deposits | 96.3719% | 2,078 |
| Total domestic deposits to total assets | 77.5253% | 4,562 |
| Equity capital to assets | 11.4909% | 2,266 |
| Core capital (leverage) ratio | 10.9640% | 2,616 |
| Tier 1 risk-based capital ratio | 13.9380% | 3,402 |
| Total risk-based capital ratio | 15.2093% | 3,302 |
| Memoranda: | ||
| Average total assets | $1,514,790,750 | 536 |
| Average earning assets | $1,378,064,750 | 533 |
| Average equity | $167,234,750 | 516 |
| Average total loans | $1,078,981,500 | 523 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5466% | 77 |
| Cost of funding earning assets | 0.6749% | 1,772 |
| Net interest margin | 5.8717% | 79 |
| Noninterest income to average assets | 1.8081% | 318 |
| Noninterest expense to average assets | 4.8210% | 236 |
| Loan and lease loss provision to assets | 0.6967% | 145 |
| Net operating income to assets | 1.2802% | 1,855 |
| Return on assets (ROA) | 1.2806% | 1,859 |
| Pretax return on assets | 1.6321% | 1,396 |
| Return on Equity (ROE) | 11.7568% | 1,819 |
| Retained earnings to average equity (ytd only) | 8.6046% | 1,355 |
| Net charge-offs to loans | 1.0449% | 124 |
| Credit loss provision to net charge-offs | 94.0884% | 2,121 |
| Earnings coverage of net charge-offs (x) | 3.1443% | 2,908 |
| Efficiency ratio | 66.9664% | 2,828 |
| Assets per employee ($millions) | 2.3746% | 5,366 |
| Cash dividends to net income (ytd only)* | 26.8117% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2595% | 109 |
| Loan loss allowance to noncurrent loans | 901.9623% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 3,697 |
| Noncurrent loans to loans | 0.3614% | 3,404 |
| Net loans and leases to total assets | 68.5851% | 2,774 |
| Net loans and leases to deposits | 87.9797% | 2,117 |
| Net loans and leases to core deposits | 93.8794% | 2,228 |
| Total domestic deposits to total assets | 77.9556% | 4,596 |
| Equity capital to assets | 11.0033% | 2,636 |
| Core capital (leverage) ratio | 10.6744% | 2,843 |
| Tier 1 risk-based capital ratio | 13.5841% | 3,571 |
| Total risk-based capital ratio | 14.8559% | 3,467 |
| Memoranda: | ||
| Average total assets | $1,521,467,330 | 531 |
| Average earning assets | $1,383,995,000 | 530 |
| Average equity | $165,725,670 | 517 |
| Average total loans | $1,078,151,000 | 521 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5910% | 75 |
| Cost of funding earning assets | 0.6660% | 1,622 |
| Net interest margin | 5.9249% | 74 |
| Noninterest income to average assets | 1.7075% | 343 |
| Noninterest expense to average assets | 4.7948% | 245 |
| Loan and lease loss provision to assets | 0.8705% | 101 |
| Net operating income to assets | 1.1287% | 2,289 |
| Return on assets (ROA) | 1.1298% | 2,305 |
| Pretax return on assets | 1.4265% | 1,912 |
| Return on Equity (ROE) | 10.4257% | 2,213 |
| Retained earnings to average equity (ytd only) | 6.9667% | 2,293 |
| Net charge-offs to loans | 1.2756% | 113 |
| Credit loss provision to net charge-offs | 96.3222% | 1,625 |
| Earnings coverage of net charge-offs (x) | 2.5403% | 2,453 |
| Efficiency ratio | 67.1243% | 2,982 |
| Assets per employee ($millions) | 2.3860% | 5,422 |
| Cash dividends to net income (ytd only)* | 33.1777% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3401% | 101 |
| Loan loss allowance to noncurrent loans | 768.4006% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 3,573 |
| Noncurrent loans to loans | 0.4347% | 3,228 |
| Net loans and leases to total assets | 67.4642% | 2,828 |
| Net loans and leases to deposits | 86.2728% | 2,131 |
| Net loans and leases to core deposits | 91.7398% | 2,321 |
| Total domestic deposits to total assets | 78.1987% | 4,701 |
| Equity capital to assets | 10.7891% | 2,780 |
| Core capital (leverage) ratio | 10.4510% | 3,007 |
| Tier 1 risk-based capital ratio | 13.2044% | 3,847 |
| Total risk-based capital ratio | 14.4763% | 3,727 |
| Memoranda: | ||
| Average total assets | $1,516,401,500 | 538 |
| Average earning assets | $1,377,703,500 | 536 |
| Average equity | $164,325,000 | 526 |
| Average total loans | $1,074,305,500 | 527 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7029% | 68 |
| Cost of funding earning assets | 0.6333% | 1,398 |
| Net interest margin | 6.0695% | 68 |
| Noninterest income to average assets | 1.8279% | 340 |
| Noninterest expense to average assets | 4.8470% | 241 |
| Loan and lease loss provision to assets | 1.1179% | 86 |
| Net operating income to assets | 0.5771% | 4,107 |
| Return on assets (ROA) | 0.5775% | 4,143 |
| Pretax return on assets | 1.3720% | 2,083 |
| Return on Equity (ROE) | 5.1564% | 4,101 |
| Retained earnings to average equity (ytd only) | 2.1148% | 4,051 |
| Net charge-offs to loans | 1.6828% | 92 |
| Credit loss provision to net charge-offs | 92.4613% | 2,736 |
| Earnings coverage of net charge-offs (x) | 2.0588% | 3,806 |
| Efficiency ratio | 65.4425% | 3,353 |
| Assets per employee ($millions) | 2.3165% | 5,509 |
| Cash dividends to net income (ytd only)* | 58.9870% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2994% | 103 |
| Loan loss allowance to noncurrent loans | 559.3549% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 3,125 |
| Noncurrent loans to loans | 0.5899% | 2,745 |
| Net loans and leases to total assets | 69.5382% | 2,596 |
| Net loans and leases to deposits | 89.3621% | 1,849 |
| Net loans and leases to core deposits | 95.1185% | 2,107 |
| Total domestic deposits to total assets | 77.8162% | 4,742 |
| Equity capital to assets | 10.8846% | 2,747 |
| Core capital (leverage) ratio | 10.3631% | 2,999 |
| Tier 1 risk-based capital ratio | 12.9719% | 3,922 |
| Total risk-based capital ratio | 14.2440% | 3,804 |
| Memoranda: | ||
| Average total assets | $1,470,131,400 | 528 |
| Average earning assets | $1,334,202,400 | 531 |
| Average equity | $164,650,600 | 505 |
| Average total loans | $1,056,268,000 | 512 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7447% | 63 |
| Cost of funding earning assets | 0.6283% | 1,364 |
| Net interest margin | 6.1164% | 66 |
| Noninterest income to average assets | 1.8490% | 347 |
| Noninterest expense to average assets | 4.8873% | 236 |
| Loan and lease loss provision to assets | 1.0890% | 96 |
| Net operating income to assets | 0.9845% | 2,620 |
| Return on assets (ROA) | 0.9851% | 2,679 |
| Pretax return on assets | 1.4197% | 2,062 |
| Return on Equity (ROE) | 8.7323% | 2,751 |
| Retained earnings to average equity (ytd only) | 5.6409% | 2,461 |
| Net charge-offs to loans | 1.6089% | 95 |
| Credit loss provision to net charge-offs | 94.2286% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2.1699% | 3,498 |
| Efficiency ratio | 65.4369% | 3,303 |
| Assets per employee ($millions) | 2.2572% | 5,587 |
| Cash dividends to net income (ytd only)* | 35.4020% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3955% | 101 |
| Loan loss allowance to noncurrent loans | 395.8924% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 2,612 |
| Noncurrent loans to loans | 0.8577% | 2,220 |
| Net loans and leases to total assets | 69.9202% | 2,568 |
| Net loans and leases to deposits | 90.4407% | 1,754 |
| Net loans and leases to core deposits | 95.9250% | 2,084 |
| Total domestic deposits to total assets | 77.3106% | 4,828 |
| Equity capital to assets | 11.3852% | 2,479 |
| Core capital (leverage) ratio | 10.8028% | 2,644 |
| Tier 1 risk-based capital ratio | 13.4139% | 3,754 |
| Total risk-based capital ratio | 14.6869% | 3,659 |
| Memoranda: | ||
| Average total assets | $1,461,230,250 | 534 |
| Average earning assets | $1,324,972,750 | 535 |
| Average equity | $164,840,000 | 509 |
| Average total loans | $1,049,638,250 | 512 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7228% | 65 |
| Cost of funding earning assets | 0.6142% | 1,362 |
| Net interest margin | 6.1087% | 67 |
| Noninterest income to average assets | 1.8535% | 355 |
| Noninterest expense to average assets | 4.8821% | 234 |
| Loan and lease loss provision to assets | 1.0306% | 95 |
| Net operating income to assets | 1.0260% | 2,307 |
| Return on assets (ROA) | 1.0267% | 2,344 |
| Pretax return on assets | 1.4814% | 1,714 |
| Return on Equity (ROE) | 9.1302% | 2,447 |
| Retained earnings to average equity (ytd only) | 6.3185% | 1,955 |
| Net charge-offs to loans | 1.5477% | 116 |
| Credit loss provision to net charge-offs | 92.9368% | 2,111 |
| Earnings coverage of net charge-offs (x) | 2.2643% | 3,182 |
| Efficiency ratio | 65.3563% | 3,454 |
| Assets per employee ($millions) | 2.2511% | 5,629 |
| Cash dividends to net income (ytd only)* | 30.7950% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5057% | 93 |
| Loan loss allowance to noncurrent loans | 391.6720% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 2,576 |
| Noncurrent loans to loans | 0.8951% | 2,186 |
| Net loans and leases to total assets | 68.7583% | 2,700 |
| Net loans and leases to deposits | 88.9933% | 1,866 |
| Net loans and leases to core deposits | 94.8344% | 2,084 |
| Total domestic deposits to total assets | 77.2623% | 4,921 |
| Equity capital to assets | 11.4087% | 2,400 |
| Core capital (leverage) ratio | 10.7581% | 2,643 |
| Tier 1 risk-based capital ratio | 13.5693% | 3,662 |
| Total risk-based capital ratio | 14.8435% | 3,563 |
| Memoranda: | ||
| Average total assets | $1,455,481,670 | 535 |
| Average earning assets | $1,319,865,000 | 538 |
| Average equity | $163,677,330 | 515 |
| Average total loans | $1,042,821,330 | 517 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6714% | 71 |
| Cost of funding earning assets | 0.6027% | 1,349 |
| Net interest margin | 6.0686% | 74 |
| Noninterest income to average assets | 1.7014% | 396 |
| Noninterest expense to average assets | 4.8147% | 268 |
| Loan and lease loss provision to assets | 1.2115% | 65 |
| Net operating income to assets | 0.8424% | 3,029 |
| Return on assets (ROA) | 0.8426% | 3,075 |
| Pretax return on assets | 1.1812% | 2,676 |
| Return on Equity (ROE) | 7.5474% | 3,140 |
| Retained earnings to average equity (ytd only) | 4.7085% | 3,051 |
| Net charge-offs to loans | 1.8135% | 84 |
| Credit loss provision to net charge-offs | 92.9839% | 1,672 |
| Earnings coverage of net charge-offs (x) | 1.8362% | 2,675 |
| Efficiency ratio | 66.0783% | 3,484 |
| Assets per employee ($millions) | 2.2612% | 5,697 |
| Cash dividends to net income (ytd only)* | 37.6144% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5263% | 115 |
| Loan loss allowance to noncurrent loans | 348.7515% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 2,429 |
| Noncurrent loans to loans | 1.0111% | 2,029 |
| Net loans and leases to total assets | 68.7993% | 2,558 |
| Net loans and leases to deposits | 88.7109% | 1,709 |
| Net loans and leases to core deposits | 94.3980% | 1,948 |
| Total domestic deposits to total assets | 77.5545% | 5,034 |
| Equity capital to assets | 11.1750% | 2,453 |
| Core capital (leverage) ratio | 10.6019% | 2,791 |
| Tier 1 risk-based capital ratio | 13.1531% | 3,992 |
| Total risk-based capital ratio | 14.4277% | 3,884 |
| Memoranda: | ||
| Average total assets | $1,452,724,500 | 537 |
| Average earning assets | $1,317,989,500 | 542 |
| Average equity | $162,175,500 | 516 |
| Average total loans | $1,043,706,000 | 513 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9634% | 59 |
| Cost of funding earning assets | 0.6103% | 1,275 |
| Net interest margin | 6.3531% | 57 |
| Noninterest income to average assets | 1.8172% | 391 |
| Noninterest expense to average assets | 4.8853% | 274 |
| Loan and lease loss provision to assets | 1.2755% | 78 |
| Net operating income to assets | 1.0274% | 2,236 |
| Return on assets (ROA) | 1.0301% | 2,325 |
| Pretax return on assets | 1.4195% | 1,867 |
| Return on Equity (ROE) | 9.2253% | 2,302 |
| Retained earnings to average equity (ytd only) | 6.7241% | 1,345 |
| Net charge-offs to loans | 1.6551% | 86 |
| Credit loss provision to net charge-offs | 109.0491% | 2,408 |
| Earnings coverage of net charge-offs (x) | 2.3010% | 3,851 |
| Efficiency ratio | 63.7754% | 3,980 |
| Assets per employee ($millions) | 2.2716% | 5,745 |
| Cash dividends to net income (ytd only)* | 27.1124% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5446% | 107 |
| Loan loss allowance to noncurrent loans | 764.5627% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 3,884 |
| Noncurrent loans to loans | 0.4636% | 3,498 |
| Net loans and leases to total assets | 69.8156% | 2,513 |
| Net loans and leases to deposits | 90.0278% | 1,681 |
| Net loans and leases to core deposits | 95.9099% | 1,929 |
| Total domestic deposits to total assets | 77.5490% | 5,042 |
| Equity capital to assets | 11.1520% | 2,476 |
| Core capital (leverage) ratio | 10.3642% | 3,039 |
| Tier 1 risk-based capital ratio | 12.7539% | 4,232 |
| Total risk-based capital ratio | 14.0322% | 4,101 |
| Memoranda: | ||
| Average total assets | $1,414,394,400 | 529 |
| Average earning assets | $1,282,209,400 | 530 |
| Average equity | $157,923,600 | 506 |
| Average total loans | $999,508,600 | 513 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9867% | 57 |
| Cost of funding earning assets | 0.6119% | 1,255 |
| Net interest margin | 6.3748% | 57 |
| Noninterest income to average assets | 1.8635% | 382 |
| Noninterest expense to average assets | 4.9158% | 280 |
| Loan and lease loss provision to assets | 1.2439% | 73 |
| Net operating income to assets | 1.0705% | 2,117 |
| Return on assets (ROA) | 1.0738% | 2,207 |
| Pretax return on assets | 1.4875% | 1,746 |
| Return on Equity (ROE) | 9.6141% | 2,220 |
| Retained earnings to average equity (ytd only) | 6.3879% | 1,965 |
| Net charge-offs to loans | 1.5687% | 80 |
| Credit loss provision to net charge-offs | 112.9129% | 2,188 |
| Earnings coverage of net charge-offs (x) | 2.4752% | 3,565 |
| Efficiency ratio | 63.6049% | 3,982 |
| Assets per employee ($millions) | 2.2443% | 5,818 |
| Cash dividends to net income (ytd only)* | 33.5569% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5747% | 109 |
| Loan loss allowance to noncurrent loans | 628.4116% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 3,610 |
| Noncurrent loans to loans | 0.5688% | 3,295 |
| Net loans and leases to total assets | 70.4991% | 2,420 |
| Net loans and leases to deposits | 91.5833% | 1,553 |
| Net loans and leases to core deposits | 97.9189% | 1,822 |
| Total domestic deposits to total assets | 76.9780% | 5,095 |
| Equity capital to assets | 11.3556% | 2,646 |
| Core capital (leverage) ratio | 10.3424% | 3,169 |
| Tier 1 risk-based capital ratio | 12.6170% | 4,397 |
| Total risk-based capital ratio | 13.8965% | 4,283 |
| Memoranda: | ||
| Average total assets | $1,406,815,000 | 533 |
| Average earning assets | $1,275,342,000 | 533 |
| Average equity | $157,126,000 | 506 |
| Average total loans | $987,960,500 | 517 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9460% | 59 |
| Cost of funding earning assets | 0.6144% | 1,228 |
| Net interest margin | 6.3315% | 57 |
| Noninterest income to average assets | 1.8538% | 389 |
| Noninterest expense to average assets | 4.8871% | 286 |
| Loan and lease loss provision to assets | 1.1690% | 83 |
| Net operating income to assets | 1.1154% | 1,904 |
| Return on assets (ROA) | 1.1201% | 2,001 |
| Pretax return on assets | 1.5466% | 1,536 |
| Return on Equity (ROE) | 10.0852% | 2,010 |
| Retained earnings to average equity (ytd only) | 6.6259% | 1,798 |
| Net charge-offs to loans | 1.4481% | 102 |
| Credit loss provision to net charge-offs | 116.5601% | 1,901 |
| Earnings coverage of net charge-offs (x) | 2.7014% | 3,229 |
| Efficiency ratio | 63.5871% | 4,086 |
| Assets per employee ($millions) | 2.3100% | 5,856 |
| Cash dividends to net income (ytd only)* | 34.3006% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6028% | 113 |
| Loan loss allowance to noncurrent loans | 605.4722% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 3,639 |
| Noncurrent loans to loans | 0.5950% | 3,283 |
| Net loans and leases to total assets | 69.8648% | 2,502 |
| Net loans and leases to deposits | 91.1260% | 1,617 |
| Net loans and leases to core deposits | 97.1731% | 1,874 |
| Total domestic deposits to total assets | 76.6683% | 5,195 |
| Equity capital to assets | 11.3356% | 2,707 |
| Core capital (leverage) ratio | 10.2063% | 3,329 |
| Tier 1 risk-based capital ratio | 13.0349% | 4,181 |
| Total risk-based capital ratio | 14.3160% | 4,082 |
| Memoranda: | ||
| Average total assets | $1,402,962,670 | 535 |
| Average earning assets | $1,272,423,000 | 537 |
| Average equity | $155,813,000 | 510 |
| Average total loans | $971,611,000 | 521 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9007% | 58 |
| Cost of funding earning assets | 0.6228% | 1,198 |
| Net interest margin | 6.2779% | 59 |
| Noninterest income to average assets | 1.4829% | 511 |
| Noninterest expense to average assets | 4.8030% | 308 |
| Loan and lease loss provision to assets | 1.3133% | 70 |
| Net operating income to assets | 0.7883% | 3,305 |
| Return on assets (ROA) | 0.7886% | 3,408 |
| Pretax return on assets | 1.0618% | 3,237 |
| Return on Equity (ROE) | 7.1748% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.6653% | 3,658 |
| Net charge-offs to loans | 1.8282% | 84 |
| Credit loss provision to net charge-offs | 106.2110% | 1,553 |
| Earnings coverage of net charge-offs (x) | 1.9206% | 2,752 |
| Efficiency ratio | 66.0952% | 3,786 |
| Assets per employee ($millions) | 2.3161% | 5,920 |
| Cash dividends to net income (ytd only)* | 48.9138% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7716% | 106 |
| Loan loss allowance to noncurrent loans | 590.5091% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 3,525 |
| Noncurrent loans to loans | 0.6387% | 3,257 |
| Net loans and leases to total assets | 65.2557% | 3,073 |
| Net loans and leases to deposits | 85.0402% | 2,190 |
| Net loans and leases to core deposits | 90.7673% | 2,296 |
| Total domestic deposits to total assets | 76.7350% | 5,327 |
| Equity capital to assets | 11.0792% | 2,851 |
| Core capital (leverage) ratio | 9.9138% | 3,645 |
| Tier 1 risk-based capital ratio | 13.2845% | 4,105 |
| Total risk-based capital ratio | 14.5671% | 4,014 |
| Memoranda: | ||
| Average total assets | $1,401,037,500 | 537 |
| Average earning assets | $1,270,938,000 | 541 |
| Average equity | $153,984,000 | 513 |
| Average total loans | $947,616,000 | 531 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0263% | 57 |
| Cost of funding earning assets | 0.6090% | 1,317 |
| Net interest margin | 6.4173% | 56 |
| Noninterest income to average assets | 1.5223% | 540 |
| Noninterest expense to average assets | 4.7732% | 333 |
| Loan and lease loss provision to assets | 1.1350% | 70 |
| Net operating income to assets | 1.0099% | 2,313 |
| Return on assets (ROA) | 1.0114% | 2,391 |
| Pretax return on assets | 1.4239% | 1,809 |
| Return on Equity (ROE) | 9.2742% | 2,333 |
| Retained earnings to average equity (ytd only) | 5.7485% | 1,925 |
| Net charge-offs to loans | 1.7136% | 83 |
| Credit loss provision to net charge-offs | 99.7620% | 2,560 |
| Earnings coverage of net charge-offs (x) | 2.2473% | 3,943 |
| Efficiency ratio | 64.1552% | 4,227 |
| Assets per employee ($millions) | 2.3426% | 5,954 |
| Cash dividends to net income (ytd only)* | 38.0163% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7638% | 102 |
| Loan loss allowance to noncurrent loans | 459.0733% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 3,209 |
| Noncurrent loans to loans | 0.8199% | 2,734 |
| Net loans and leases to total assets | 64.9210% | 3,134 |
| Net loans and leases to deposits | 84.6864% | 2,281 |
| Net loans and leases to core deposits | 90.1167% | 2,392 |
| Total domestic deposits to total assets | 76.6606% | 5,372 |
| Equity capital to assets | 10.9022% | 2,933 |
| Core capital (leverage) ratio | 10.0609% | 3,424 |
| Tier 1 risk-based capital ratio | 13.6857% | 3,897 |
| Total risk-based capital ratio | 14.9663% | 3,810 |
| Memoranda: | ||
| Average total assets | $1,366,703,600 | 522 |
| Average earning assets | $1,236,855,800 | 526 |
| Average equity | $149,048,200 | 506 |
| Average total loans | $907,370,800 | 523 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0371% | 59 |
| Cost of funding earning assets | 0.6066% | 1,369 |
| Net interest margin | 6.4305% | 58 |
| Noninterest income to average assets | 1.5203% | 540 |
| Noninterest expense to average assets | 4.8072% | 335 |
| Loan and lease loss provision to assets | 0.9632% | 70 |
| Net operating income to assets | 1.0968% | 2,023 |
| Return on assets (ROA) | 1.0985% | 2,096 |
| Pretax return on assets | 1.5675% | 1,490 |
| Return on Equity (ROE) | 10.0720% | 2,076 |
| Retained earnings to average equity (ytd only) | 5.3907% | 2,649 |
| Net charge-offs to loans | 1.4391% | 105 |
| Credit loss provision to net charge-offs | 101.2381% | 2,239 |
| Earnings coverage of net charge-offs (x) | 2.6572% | 3,626 |
| Efficiency ratio | 64.5357% | 4,150 |
| Assets per employee ($millions) | 2.2720% | 6,064 |
| Cash dividends to net income (ytd only)* | 46.4790% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8908% | 98 |
| Loan loss allowance to noncurrent loans | 567.5298% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 3,766 |
| Noncurrent loans to loans | 0.6856% | 3,268 |
| Net loans and leases to total assets | 64.5220% | 3,224 |
| Net loans and leases to deposits | 84.7010% | 2,316 |
| Net loans and leases to core deposits | 89.7540% | 2,491 |
| Total domestic deposits to total assets | 76.1762% | 5,465 |
| Equity capital to assets | 11.0721% | 2,937 |
| Core capital (leverage) ratio | 9.8437% | 3,843 |
| Tier 1 risk-based capital ratio | 13.8834% | 3,913 |
| Total risk-based capital ratio | 15.1689% | 3,835 |
| Memoranda: | ||
| Average total assets | $1,358,165,250 | 525 |
| Average earning assets | $1,228,202,250 | 533 |
| Average equity | $148,129,250 | 516 |
| Average total loans | $897,958,500 | 531 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8714% | 65 |
| Cost of funding earning assets | 0.5917% | 1,476 |
| Net interest margin | 6.2796% | 64 |
| Noninterest income to average assets | 1.5752% | 519 |
| Noninterest expense to average assets | 4.8458% | 321 |
| Loan and lease loss provision to assets | 0.8369% | 93 |
| Net operating income to assets | 1.1004% | 1,954 |
| Return on assets (ROA) | 1.1007% | 2,042 |
| Pretax return on assets | 1.5696% | 1,427 |
| Return on Equity (ROE) | 10.1437% | 2,001 |
| Retained earnings to average equity (ytd only) | 5.1446% | 2,767 |
| Net charge-offs to loans | 1.2803% | 145 |
| Credit loss provision to net charge-offs | 99.3865% | 2,085 |
| Earnings coverage of net charge-offs (x) | 2.8573% | 3,281 |
| Efficiency ratio | 65.7813% | 4,051 |
| Assets per employee ($millions) | 2.2620% | 6,145 |
| Cash dividends to net income (ytd only)* | 49.2826% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8414% | 120 |
| Loan loss allowance to noncurrent loans | 705.4939% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 4,166 |
| Noncurrent loans to loans | 0.5445% | 3,821 |
| Net loans and leases to total assets | 65.0658% | 3,113 |
| Net loans and leases to deposits | 85.3519% | 2,126 |
| Net loans and leases to core deposits | 90.7780% | 2,266 |
| Total domestic deposits to total assets | 76.2323% | 5,574 |
| Equity capital to assets | 10.8377% | 3,066 |
| Core capital (leverage) ratio | 9.6568% | 4,064 |
| Tier 1 risk-based capital ratio | 13.5142% | 4,213 |
| Total risk-based capital ratio | 14.8012% | 4,118 |
| Memoranda: | ||
| Average total assets | $1,354,974,330 | 524 |
| Average earning assets | $1,224,883,000 | 535 |
| Average equity | $147,026,670 | 518 |
| Average total loans | $891,205,330 | 528 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8131% | 67 |
| Cost of funding earning assets | 0.5715% | 1,648 |
| Net interest margin | 6.2416% | 63 |
| Noninterest income to average assets | 1.5223% | 530 |
| Noninterest expense to average assets | 4.8865% | 320 |
| Loan and lease loss provision to assets | 1.0429% | 75 |
| Net operating income to assets | 0.8881% | 2,802 |
| Return on assets (ROA) | 0.8883% | 2,926 |
| Pretax return on assets | 1.2378% | 2,518 |
| Return on Equity (ROE) | 8.1812% | 2,865 |
| Retained earnings to average equity (ytd only) | 2.3418% | 4,518 |
| Net charge-offs to loans | 1.5674% | 121 |
| Credit loss provision to net charge-offs | 102.6577% | 1,579 |
| Earnings coverage of net charge-offs (x) | 2.2447% | 2,798 |
| Efficiency ratio | 67.0931% | 3,976 |
| Assets per employee ($millions) | 2.2631% | 6,210 |
| Cash dividends to net income (ytd only)* | 71.3761% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0373% | 124 |
| Loan loss allowance to noncurrent loans | 565.5418% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 3,931 |
| Noncurrent loans to loans | 0.7139% | 3,483 |
| Net loans and leases to total assets | 62.3828% | 3,307 |
| Net loans and leases to deposits | 80.6553% | 2,485 |
| Net loans and leases to core deposits | 85.7615% | 2,576 |
| Total domestic deposits to total assets | 77.3450% | 5,558 |
| Equity capital to assets | 10.8060% | 3,185 |
| Core capital (leverage) ratio | 9.4871% | 4,297 |
| Tier 1 risk-based capital ratio | 13.5426% | 4,303 |
| Total risk-based capital ratio | 14.8247% | 4,205 |
| Memoranda: | ||
| Average total assets | $1,348,217,000 | 526 |
| Average earning assets | $1,219,246,500 | 532 |
| Average equity | $146,383,500 | 521 |
| Average total loans | $873,813,500 | 537 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2249% | 57 |
| Cost of funding earning assets | 0.6330% | 1,528 |
| Net interest margin | 6.5919% | 61 |
| Noninterest income to average assets | 1.4628% | 570 |
| Noninterest expense to average assets | 4.7034% | 393 |
| Loan and lease loss provision to assets | 1.2292% | 77 |
| Net operating income to assets | 1.0377% | 2,224 |
| Return on assets (ROA) | 1.0392% | 2,293 |
| Pretax return on assets | 1.4625% | 1,680 |
| Return on Equity (ROE) | 9.7691% | 2,209 |
| Retained earnings to average equity (ytd only) | 5.8094% | 2,057 |
| Net charge-offs to loans | 1.8173% | 118 |
| Credit loss provision to net charge-offs | 104.8408% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.2939% | 4,198 |
| Efficiency ratio | 62.4080% | 4,843 |
| Assets per employee ($millions) | 2.1693% | 6,323 |
| Cash dividends to net income (ytd only)* | 40.5331% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1238% | 122 |
| Loan loss allowance to noncurrent loans | 557.2144% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 4,008 |
| Noncurrent loans to loans | 0.7401% | 3,469 |
| Net loans and leases to total assets | 61.9497% | 3,509 |
| Net loans and leases to deposits | 80.6676% | 2,647 |
| Net loans and leases to core deposits | 85.7148% | 2,717 |
| Total domestic deposits to total assets | 76.7963% | 5,629 |
| Equity capital to assets | 10.9100% | 2,997 |
| Core capital (leverage) ratio | 9.0650% | 4,882 |
| Tier 1 risk-based capital ratio | 13.1702% | 4,609 |
| Total risk-based capital ratio | 14.4537% | 4,506 |
| Memoranda: | ||
| Average total assets | $1,328,500,400 | 514 |
| Average earning assets | $1,195,129,400 | 515 |
| Average equity | $141,323,200 | 516 |
| Average total loans | $857,107,200 | 517 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2382% | 59 |
| Cost of funding earning assets | 0.6446% | 1,493 |
| Net interest margin | 6.5936% | 60 |
| Noninterest income to average assets | 1.4844% | 573 |
| Noninterest expense to average assets | 4.7210% | 378 |
| Loan and lease loss provision to assets | 1.0971% | 100 |
| Net operating income to assets | 1.1158% | 1,967 |
| Return on assets (ROA) | 1.1177% | 2,031 |
| Pretax return on assets | 1.5959% | 1,335 |
| Return on Equity (ROE) | 10.5746% | 1,955 |
| Retained earnings to average equity (ytd only) | 6.4418% | 2,140 |
| Net charge-offs to loans | 1.5887% | 145 |
| Credit loss provision to net charge-offs | 107.0728% | 2,079 |
| Earnings coverage of net charge-offs (x) | 2.6258% | 3,865 |
| Efficiency ratio | 62.4603% | 4,816 |
| Assets per employee ($millions) | 2.1235% | 6,410 |
| Cash dividends to net income (ytd only)* | 39.0827% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1266% | 149 |
| Loan loss allowance to noncurrent loans | 497.4549% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 3,950 |
| Noncurrent loans to loans | 0.8295% | 3,499 |
| Net loans and leases to total assets | 62.9774% | 3,346 |
| Net loans and leases to deposits | 82.4898% | 2,361 |
| Net loans and leases to core deposits | 87.2848% | 2,506 |
| Total domestic deposits to total assets | 76.3456% | 5,771 |
| Equity capital to assets | 11.0362% | 2,917 |
| Core capital (leverage) ratio | 9.3984% | 4,518 |
| Tier 1 risk-based capital ratio | 13.8720% | 4,312 |
| Total risk-based capital ratio | 15.1553% | 4,227 |
| Memoranda: | ||
| Average total assets | $1,326,551,750 | 516 |
| Average earning assets | $1,192,418,000 | 515 |
| Average equity | $140,206,500 | 523 |
| Average total loans | $855,524,750 | 515 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1779% | 62 |
| Cost of funding earning assets | 0.6502% | 1,517 |
| Net interest margin | 6.5277% | 62 |
| Noninterest income to average assets | 1.5235% | 531 |
| Noninterest expense to average assets | 4.7626% | 364 |
| Loan and lease loss provision to assets | 1.0178% | 101 |
| Net operating income to assets | 1.1242% | 1,842 |
| Return on assets (ROA) | 1.1245% | 1,925 |
| Pretax return on assets | 1.6087% | 1,231 |
| Return on Equity (ROE) | 10.7958% | 1,807 |
| Retained earnings to average equity (ytd only) | 5.9986% | 2,326 |
| Net charge-offs to loans | 1.4925% | 187 |
| Credit loss provision to net charge-offs | 106.3913% | 1,876 |
| Earnings coverage of net charge-offs (x) | 2.7450% | 3,477 |
| Efficiency ratio | 63.1898% | 4,824 |
| Assets per employee ($millions) | 2.1722% | 6,448 |
| Cash dividends to net income (ytd only)* | 44.4355% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1035% | 163 |
| Loan loss allowance to noncurrent loans | 392.2897% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.7292% | 3,790 |
| Noncurrent loans to loans | 1.0460% | 3,138 |
| Net loans and leases to total assets | 61.2823% | 3,526 |
| Net loans and leases to deposits | 79.2252% | 2,625 |
| Net loans and leases to core deposits | 84.0980% | 2,728 |
| Total domestic deposits to total assets | 77.3520% | 5,749 |
| Equity capital to assets | 10.5511% | 3,378 |
| Core capital (leverage) ratio | 9.2921% | 4,602 |
| Tier 1 risk-based capital ratio | 13.8386% | 4,358 |
| Total risk-based capital ratio | 15.1227% | 4,286 |
| Memoranda: | ||
| Average total assets | $1,331,296,000 | 520 |
| Average earning assets | $1,196,164,330 | 515 |
| Average equity | $138,665,330 | 525 |
| Average total loans | $853,354,000 | 512 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1560% | 59 |
| Cost of funding earning assets | 0.6677% | 1,453 |
| Net interest margin | 6.4883% | 67 |
| Noninterest income to average assets | 1.4636% | 547 |
| Noninterest expense to average assets | 4.8000% | 357 |
| Loan and lease loss provision to assets | 1.0599% | 103 |
| Net operating income to assets | 1.0025% | 2,200 |
| Return on assets (ROA) | 1.0025% | 2,258 |
| Pretax return on assets | 1.4226% | 1,670 |
| Return on Equity (ROE) | 9.6889% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.6889% | 1,051 |
| Net charge-offs to loans | 1.6246% | 191 |
| Credit loss provision to net charge-offs | 101.6213% | 1,634 |
| Earnings coverage of net charge-offs (x) | 2.3801% | 2,891 |
| Efficiency ratio | 64.5893% | 4,763 |
| Assets per employee ($millions) | 2.1581% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1259% | 173 |
| Loan loss allowance to noncurrent loans | 314.3732% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 3,527 |
| Noncurrent loans to loans | 1.3124% | 2,836 |
| Net loans and leases to total assets | 60.7226% | 3,438 |
| Net loans and leases to deposits | 78.9343% | 2,432 |
| Net loans and leases to core deposits | 84.0998% | 2,500 |
| Total domestic deposits to total assets | 76.9281% | 5,975 |
| Equity capital to assets | 10.4625% | 3,279 |
| Core capital (leverage) ratio | 9.1521% | 4,786 |
| Tier 1 risk-based capital ratio | 14.1062% | 4,258 |
| Total risk-based capital ratio | 15.3908% | 4,181 |
| Memoranda: | ||
| Average total assets | $1,324,656,000 | 523 |
| Average earning assets | $1,187,988,000 | 519 |
| Average equity | $137,064,000 | 534 |
| Average total loans | $850,408,000 | 513 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6689% | 35 |
| Cost of funding earning assets | 0.8580% | 920 |
| Net interest margin | 7.8109% | 37 |
| Noninterest income to average assets | 2.1917% | 348 |
| Noninterest expense to average assets | 5.3860% | 267 |
| Loan and lease loss provision to assets | 1.5409% | 82 |
| Net operating income to assets | 1.6133% | 669 |
| Return on assets (ROA) | 1.6138% | 690 |
| Pretax return on assets | 2.3456% | 247 |
| Return on Equity (ROE) | 13.3306% | 1,104 |
| Retained earnings to average equity (ytd only) | -13.0051% | 6,587 |
| Net charge-offs to loans | 2.2182% | 148 |
| Credit loss provision to net charge-offs | 93.2487% | 2,668 |
| Earnings coverage of net charge-offs (x) | 2.3516% | 4,227 |
| Efficiency ratio | 58.0898% | 5,725 |
| Assets per employee ($millions) | 1.7142% | 6,692 |
| Cash dividends to net income (ytd only)* | 197.5582% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8812% | 99 |
| Loan loss allowance to noncurrent loans | 696.4793% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 4,019 |
| Noncurrent loans to loans | 0.7008% | 4,227 |
| Net loans and leases to total assets | 70.1772% | 1,984 |
| Net loans and leases to deposits | 96.7980% | 682 |
| Net loans and leases to core deposits | 106.1508% | 790 |
| Total domestic deposits to total assets | 72.4986% | 6,387 |
| Equity capital to assets | 10.3064% | 3,389 |
| Core capital (leverage) ratio | 9.3992% | 4,412 |
| Tier 1 risk-based capital ratio | 13.2216% | 4,835 |
| Total risk-based capital ratio | 14.5182% | 4,750 |
| Memoranda: | ||
| Average total assets | $977,035,800 | 674 |
| Average earning assets | $885,622,000 | 676 |
| Average equity | $118,277,000 | 604 |
| Average total loans | $727,855,600 | 578 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6997% | 34 |
| Cost of funding earning assets | 0.8608% | 985 |
| Net interest margin | 7.8390% | 33 |
| Noninterest income to average assets | 2.3737% | 319 |
| Noninterest expense to average assets | 5.4716% | 254 |
| Loan and lease loss provision to assets | 1.3801% | 93 |
| Net operating income to assets | 1.7807% | 544 |
| Return on assets (ROA) | 1.7812% | 570 |
| Pretax return on assets | 2.6288% | 206 |
| Return on Equity (ROE) | 14.1935% | 948 |
| Retained earnings to average equity (ytd only) | 11.5331% | 498 |
| Net charge-offs to loans | 2.0389% | 181 |
| Credit loss provision to net charge-offs | 90.6490% | 2,623 |
| Earnings coverage of net charge-offs (x) | 2.6326% | 3,958 |
| Efficiency ratio | 57.7194% | 5,720 |
| Assets per employee ($millions) | 1.7616% | 6,755 |
| Cash dividends to net income (ytd only)* | 18.7438% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7231% | 140 |
| Loan loss allowance to noncurrent loans | 623.2970% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.9587% | 3,750 |
| Noncurrent loans to loans | 0.7578% | 4,333 |
| Net loans and leases to total assets | 71.9263% | 1,606 |
| Net loans and leases to deposits | 102.4945% | 354 |
| Net loans and leases to core deposits | 111.8845% | 512 |
| Total domestic deposits to total assets | 70.1757% | 6,588 |
| Equity capital to assets | 12.8782% | 1,388 |
| Core capital (leverage) ratio | 12.0555% | 1,640 |
| Tier 1 risk-based capital ratio | 16.5098% | 2,928 |
| Total risk-based capital ratio | 17.7980% | 2,881 |
| Memoranda: | ||
| Average total assets | $979,596,000 | 671 |
| Average earning assets | $888,003,500 | 674 |
| Average equity | $122,935,750 | 579 |
| Average total loans | $731,497,750 | 578 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6222% | 34 |
| Cost of funding earning assets | 0.8672% | 1,047 |
| Net interest margin | 7.7550% | 36 |
| Noninterest income to average assets | 2.4609% | 326 |
| Noninterest expense to average assets | 5.3529% | 283 |
| Loan and lease loss provision to assets | 1.2854% | 122 |
| Net operating income to assets | 1.9153% | 414 |
| Return on assets (ROA) | 1.9161% | 448 |
| Pretax return on assets | 2.8542% | 172 |
| Return on Equity (ROE) | 15.4022% | 748 |
| Retained earnings to average equity (ytd only) | 12.7780% | 408 |
| Net charge-offs to loans | 2.0398% | 223 |
| Credit loss provision to net charge-offs | 84.7002% | 2,544 |
| Earnings coverage of net charge-offs (x) | 2.7269% | 3,606 |
| Efficiency ratio | 56.3975% | 5,915 |
| Assets per employee ($millions) | 1.7564% | 6,806 |
| Cash dividends to net income (ytd only)* | 17.0376% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7698% | 140 |
| Loan loss allowance to noncurrent loans | 458.2707% | 946 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 3,416 |
| Noncurrent loans to loans | 1.0408% | 3,854 |
| Net loans and leases to total assets | 70.4510% | 1,813 |
| Net loans and leases to deposits | 99.9833% | 427 |
| Net loans and leases to core deposits | 109.0426% | 600 |
| Total domestic deposits to total assets | 70.4628% | 6,640 |
| Equity capital to assets | 12.5349% | 1,555 |
| Core capital (leverage) ratio | 11.7234% | 1,781 |
| Tier 1 risk-based capital ratio | 16.1742% | 3,104 |
| Total risk-based capital ratio | 17.4694% | 3,026 |
| Memoranda: | ||
| Average total assets | $980,224,330 | 669 |
| Average earning assets | $888,635,000 | 673 |
| Average equity | $121,943,670 | 589 |
| Average total loans | $729,299,670 | 573 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6185% | 34 |
| Cost of funding earning assets | 0.8844% | 1,059 |
| Net interest margin | 7.7342% | 35 |
| Noninterest income to average assets | 3.3512% | 217 |
| Noninterest expense to average assets | 6.3911% | 183 |
| Loan and lease loss provision to assets | 1.3011% | 119 |
| Net operating income to assets | 1.8082% | 474 |
| Return on assets (ROA) | 1.8088% | 525 |
| Pretax return on assets | 2.6729% | 214 |
| Return on Equity (ROE) | 14.5955% | 844 |
| Retained earnings to average equity (ytd only) | 12.4562% | 638 |
| Net charge-offs to loans | 2.8327% | 134 |
| Credit loss provision to net charge-offs | 61.5563% | 2,419 |
| Earnings coverage of net charge-offs (x) | 1.8798% | 3,213 |
| Efficiency ratio | 61.6651% | 5,351 |
| Assets per employee ($millions) | 1.8002% | 6,880 |
| Cash dividends to net income (ytd only)* | 14.6573% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7368% | 159 |
| Loan loss allowance to noncurrent loans | 459.0122% | 925 |
| Noncurrent assets plus other real estate owned to assets | 1.2860% | 3,399 |
| Noncurrent loans to loans | 1.0320% | 4,073 |
| Net loans and leases to total assets | 69.1517% | 1,814 |
| Net loans and leases to deposits | 97.9169% | 447 |
| Net loans and leases to core deposits | 106.8375% | 612 |
| Total domestic deposits to total assets | 70.6229% | 6,730 |
| Equity capital to assets | 12.4433% | 1,744 |
| Core capital (leverage) ratio | 11.4192% | 1,929 |
| Tier 1 risk-based capital ratio | 15.7987% | 3,374 |
| Total risk-based capital ratio | 17.0931% | 3,315 |
| Memoranda: | ||
| Average total assets | $977,671,000 | 677 |
| Average earning assets | $886,507,000 | 681 |
| Average equity | $121,160,500 | 602 |
| Average total loans | $729,477,000 | 576 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9975% | 36 |
| Cost of funding earning assets | 1.0675% | 1,035 |
| Net interest margin | 7.9300% | 37 |
| Noninterest income to average assets | 3.5450% | 209 |
| Noninterest expense to average assets | 6.6773% | 164 |
| Loan and lease loss provision to assets | 1.3132% | 263 |
| Net operating income to assets | 1.8495% | 471 |
| Return on assets (ROA) | 1.8503% | 522 |
| Pretax return on assets | 2.7308% | 187 |
| Return on Equity (ROE) | 15.0761% | 801 |
| Retained earnings to average equity (ytd only) | 3.6625% | 3,645 |
| Net charge-offs to loans | 1.3862% | 667 |
| Credit loss provision to net charge-offs | 121.9165% | 2,342 |
| Earnings coverage of net charge-offs (x) | 3.7533% | 3,618 |
| Efficiency ratio | 62.2871% | 5,195 |
| Assets per employee ($millions) | 1.8349% | 6,936 |
| Cash dividends to net income (ytd only)* | 75.7066% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8338% | 147 |
| Loan loss allowance to noncurrent loans | 296.3602% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 1.8943% | 2,577 |
| Noncurrent loans to loans | 1.6310% | 3,179 |
| Net loans and leases to total assets | 72.9680% | 1,341 |
| Net loans and leases to deposits | 102.9180% | 300 |
| Net loans and leases to core deposits | 112.5792% | 451 |
| Total domestic deposits to total assets | 70.8992% | 6,751 |
| Equity capital to assets | 12.3413% | 1,832 |
| Core capital (leverage) ratio | 11.2003% | 2,091 |
| Tier 1 risk-based capital ratio | 14.9772% | 3,731 |
| Total risk-based capital ratio | 16.2740% | 3,658 |
| Memoranda: | ||
| Average total assets | $944,621,200 | 698 |
| Average earning assets | $854,701,000 | 699 |
| Average equity | $115,931,600 | 622 |
| Average total loans | $734,032,800 | 561 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9991% | 36 |
| Cost of funding earning assets | 1.1145% | 1,003 |
| Net interest margin | 7.8845% | 35 |
| Noninterest income to average assets | 3.5035% | 204 |
| Noninterest expense to average assets | 6.6248% | 164 |
| Loan and lease loss provision to assets | 1.2146% | 296 |
| Net operating income to assets | 1.8914% | 462 |
| Return on assets (ROA) | 1.8925% | 538 |
| Pretax return on assets | 2.7998% | 194 |
| Return on Equity (ROE) | 15.4423% | 825 |
| Retained earnings to average equity (ytd only) | 1.1939% | 5,700 |
| Net charge-offs to loans | 1.3185% | 712 |
| Credit loss provision to net charge-offs | 118.1429% | 2,452 |
| Earnings coverage of net charge-offs (x) | 3.9033% | 3,463 |
| Efficiency ratio | 62.2772% | 5,107 |
| Assets per employee ($millions) | 1.7828% | 7,045 |
| Cash dividends to net income (ytd only)* | 92.2684% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6658% | 186 |
| Loan loss allowance to noncurrent loans | 221.7645% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 2.1427% | 2,501 |
| Noncurrent loans to loans | 2.1039% | 2,727 |
| Net loans and leases to total assets | 75.0972% | 1,104 |
| Net loans and leases to deposits | 107.5705% | 202 |
| Net loans and leases to core deposits | 118.3484% | 341 |
| Total domestic deposits to total assets | 69.8121% | 6,854 |
| Equity capital to assets | 12.2312% | 2,084 |
| Core capital (leverage) ratio | 11.0321% | 2,347 |
| Tier 1 risk-based capital ratio | 14.4832% | 4,191 |
| Total risk-based capital ratio | 15.7784% | 4,137 |
| Memoranda: | ||
| Average total assets | $938,571,500 | 706 |
| Average earning assets | $849,235,000 | 712 |
| Average equity | $115,023,250 | 624 |
| Average total loans | $731,832,000 | 564 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9576% | 36 |
| Cost of funding earning assets | 1.1695% | 944 |
| Net interest margin | 7.7880% | 39 |
| Noninterest income to average assets | 3.2314% | 222 |
| Noninterest expense to average assets | 6.3899% | 184 |
| Loan and lease loss provision to assets | 1.1958% | 345 |
| Net operating income to assets | 1.8226% | 539 |
| Return on assets (ROA) | 1.8238% | 607 |
| Pretax return on assets | 2.6892% | 226 |
| Return on Equity (ROE) | 14.8721% | 957 |
| Retained earnings to average equity (ytd only) | -5.0685% | 6,622 |
| Net charge-offs to loans | 1.0485% | 1,047 |
| Credit loss provision to net charge-offs | 146.7806% | 1,889 |
| Earnings coverage of net charge-offs (x) | 4.7666% | 2,993 |
| Efficiency ratio | 62.1996% | 5,214 |
| Assets per employee ($millions) | 1.7650% | 7,110 |
| Cash dividends to net income (ytd only)* | 134.0808% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7606% | 197 |
| Loan loss allowance to noncurrent loans | 298.6859% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 1.8117% | 3,024 |
| Noncurrent loans to loans | 1.5939% | 3,518 |
| Net loans and leases to total assets | 75.1218% | 1,088 |
| Net loans and leases to deposits | 107.8357% | 185 |
| Net loans and leases to core deposits | 119.2450% | 329 |
| Total domestic deposits to total assets | 69.6632% | 6,919 |
| Equity capital to assets | 11.8621% | 2,257 |
| Core capital (leverage) ratio | 10.8121% | 2,467 |
| Tier 1 risk-based capital ratio | 14.0603% | 4,401 |
| Total risk-based capital ratio | 15.3569% | 4,331 |
| Memoranda: | ||
| Average total assets | $934,092,000 | 711 |
| Average earning assets | $844,603,000 | 712 |
| Average equity | $114,550,330 | 620 |
| Average total loans | $725,801,670 | 567 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9349% | 36 |
| Cost of funding earning assets | 1.2350% | 826 |
| Net interest margin | 7.6999% | 41 |
| Noninterest income to average assets | 3.1758% | 220 |
| Noninterest expense to average assets | 6.3792% | 179 |
| Loan and lease loss provision to assets | 1.1733% | 333 |
| Net operating income to assets | 1.7533% | 659 |
| Return on assets (ROA) | 1.7533% | 735 |
| Pretax return on assets | 2.5786% | 298 |
| Return on Equity (ROE) | 14.0630% | 1,172 |
| Retained earnings to average equity (ytd only) | 12.0461% | 818 |
| Net charge-offs to loans | 0.9186% | 1,119 |
| Credit loss provision to net charge-offs | 165.6535% | 1,541 |
| Earnings coverage of net charge-offs (x) | 5.2973% | 2,402 |
| Efficiency ratio | 62.9664% | 5,114 |
| Assets per employee ($millions) | 1.7916% | 7,173 |
| Cash dividends to net income (ytd only)* | 14.3418% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8422% | 198 |
| Loan loss allowance to noncurrent loans | 240.9330% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 2.0955% | 2,782 |
| Noncurrent loans to loans | 2.0098% | 3,152 |
| Net loans and leases to total assets | 72.8965% | 1,245 |
| Net loans and leases to deposits | 103.3323% | 277 |
| Net loans and leases to core deposits | 115.0665% | 404 |
| Total domestic deposits to total assets | 70.5457% | 6,955 |
| Equity capital to assets | 12.5542% | 1,689 |
| Core capital (leverage) ratio | 11.5436% | 1,871 |
| Tier 1 risk-based capital ratio | 15.2391% | 3,597 |
| Total risk-based capital ratio | 16.5355% | 3,520 |
| Memoranda: | ||
| Average total assets | $929,013,500 | 713 |
| Average earning assets | $839,179,000 | 718 |
| Average equity | $115,821,500 | 616 |
| Average total loans | $716,305,500 | 569 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0828% | 35 |
| Cost of funding earning assets | 1.3416% | 1,284 |
| Net interest margin | 7.7411% | 36 |
| Noninterest income to average assets | 2.9848% | 212 |
| Noninterest expense to average assets | 6.1153% | 196 |
| Loan and lease loss provision to assets | 1.5631% | 464 |
| Net operating income to assets | 1.5444% | 750 |
| Return on assets (ROA) | 1.5454% | 810 |
| Pretax return on assets | 2.2471% | 333 |
| Return on Equity (ROE) | 12.3440% | 1,318 |
| Retained earnings to average equity (ytd only) | -0.1199% | 5,870 |
| Net charge-offs to loans | 1.3489% | 1,225 |
| Credit loss provision to net charge-offs | 151.8824% | 1,849 |
| Earnings coverage of net charge-offs (x) | 3.7010% | 3,420 |
| Efficiency ratio | 61.6213% | 5,517 |
| Assets per employee ($millions) | 1.7989% | 7,213 |
| Cash dividends to net income (ytd only)* | 100.9714% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7113% | 215 |
| Loan loss allowance to noncurrent loans | 303.9166% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 1.8610% | 3,169 |
| Noncurrent loans to loans | 1.5502% | 3,833 |
| Net loans and leases to total assets | 73.9541% | 1,282 |
| Net loans and leases to deposits | 105.2329% | 271 |
| Net loans and leases to core deposits | 116.7267% | 429 |
| Total domestic deposits to total assets | 70.2766% | 6,970 |
| Equity capital to assets | 12.3786% | 1,869 |
| Core capital (leverage) ratio | 11.2683% | 2,067 |
| Tier 1 risk-based capital ratio | 14.8549% | 3,725 |
| Total risk-based capital ratio | 16.1499% | 3,673 |
| Memoranda: | ||
| Average total assets | $905,919,200 | 722 |
| Average earning assets | $812,077,400 | 726 |
| Average equity | $113,415,600 | 609 |
| Average total loans | $691,168,000 | 597 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0670% | 38 |
| Cost of funding earning assets | 1.3587% | 1,422 |
| Net interest margin | 7.7084% | 39 |
| Noninterest income to average assets | 2.9143% | 228 |
| Noninterest expense to average assets | 6.0743% | 192 |
| Loan and lease loss provision to assets | 1.5200% | 449 |
| Net operating income to assets | 1.5251% | 887 |
| Return on assets (ROA) | 1.5251% | 969 |
| Pretax return on assets | 2.2175% | 413 |
| Return on Equity (ROE) | 12.1468% | 1,509 |
| Retained earnings to average equity (ytd only) | -3.2030% | 6,440 |
| Net charge-offs to loans | 1.2715% | 1,221 |
| Credit loss provision to net charge-offs | 157.3833% | 1,972 |
| Earnings coverage of net charge-offs (x) | 3.8698% | 3,264 |
| Efficiency ratio | 61.9078% | 5,424 |
| Assets per employee ($millions) | 1.7906% | 7,285 |
| Cash dividends to net income (ytd only)* | 126.3688% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7292% | 224 |
| Loan loss allowance to noncurrent loans | 357.4641% | 892 |
| Noncurrent assets plus other real estate owned to assets | 1.7206% | 3,514 |
| Noncurrent loans to loans | 1.3230% | 4,327 |
| Net loans and leases to total assets | 72.6032% | 1,586 |
| Net loans and leases to deposits | 102.9762% | 351 |
| Net loans and leases to core deposits | 114.2837% | 544 |
| Total domestic deposits to total assets | 70.5048% | 7,013 |
| Equity capital to assets | 12.3548% | 1,996 |
| Core capital (leverage) ratio | 11.1013% | 2,315 |
| Tier 1 risk-based capital ratio | 14.6928% | 3,839 |
| Total risk-based capital ratio | 15.9869% | 3,788 |
| Memoranda: | ||
| Average total assets | $902,141,250 | 732 |
| Average earning assets | $807,241,750 | 739 |
| Average equity | $113,266,750 | 614 |
| Average total loans | $685,255,750 | 606 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9521% | 43 |
| Cost of funding earning assets | 1.3792% | 1,503 |
| Net interest margin | 7.5729% | 41 |
| Noninterest income to average assets | 2.8444% | 231 |
| Noninterest expense to average assets | 6.1243% | 188 |
| Loan and lease loss provision to assets | 1.3778% | 532 |
| Net operating income to assets | 1.4519% | 974 |
| Return on assets (ROA) | 1.4519% | 1,033 |
| Pretax return on assets | 2.0964% | 495 |
| Return on Equity (ROE) | 11.5027% | 1,638 |
| Retained earnings to average equity (ytd only) | 7.9925% | 1,468 |
| Net charge-offs to loans | 1.4150% | 1,071 |
| Credit loss provision to net charge-offs | 128.3323% | 2,380 |
| Earnings coverage of net charge-offs (x) | 3.2360% | 3,253 |
| Efficiency ratio | 63.8043% | 5,278 |
| Assets per employee ($millions) | 1.7742% | 7,357 |
| Cash dividends to net income (ytd only)* | 30.5165% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3767% | 310 |
| Loan loss allowance to noncurrent loans | 332.5371% | 952 |
| Noncurrent assets plus other real estate owned to assets | 1.9148% | 3,357 |
| Noncurrent loans to loans | 1.3162% | 4,446 |
| Net loans and leases to total assets | 73.2355% | 1,548 |
| Net loans and leases to deposits | 105.4116% | 280 |
| Net loans and leases to core deposits | 114.8612% | 553 |
| Total domestic deposits to total assets | 69.4758% | 7,138 |
| Equity capital to assets | 13.0098% | 1,510 |
| Core capital (leverage) ratio | 11.9383% | 1,634 |
| Tier 1 risk-based capital ratio | 15.6968% | 3,131 |
| Total risk-based capital ratio | 16.9864% | 3,090 |
| Memoranda: | ||
| Average total assets | $901,430,670 | 740 |
| Average earning assets | $803,967,000 | 755 |
| Average equity | $113,782,000 | 612 |
| Average total loans | $683,967,330 | 618 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7682% | 45 |
| Cost of funding earning assets | 1.4035% | 1,592 |
| Net interest margin | 7.3647% | 49 |
| Noninterest income to average assets | 2.8659% | 235 |
| Noninterest expense to average assets | 6.0876% | 190 |
| Loan and lease loss provision to assets | 1.2512% | 555 |
| Net operating income to assets | 1.4456% | 997 |
| Return on assets (ROA) | 1.4456% | 1,033 |
| Pretax return on assets | 2.0952% | 477 |
| Return on Equity (ROE) | 11.6310% | 1,570 |
| Retained earnings to average equity (ytd only) | 8.1824% | 1,668 |
| Net charge-offs to loans | 1.7009% | 773 |
| Credit loss provision to net charge-offs | 97.4093% | 2,805 |
| Earnings coverage of net charge-offs (x) | 2.6052% | 3,037 |
| Efficiency ratio | 64.5283% | 5,269 |
| Assets per employee ($millions) | 1.7257% | 7,437 |
| Cash dividends to net income (ytd only)* | 29.6501% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3432% | 335 |
| Loan loss allowance to noncurrent loans | 291.6751% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 2.1884% | 3,078 |
| Noncurrent loans to loans | 1.4890% | 4,239 |
| Net loans and leases to total assets | 70.1967% | 2,092 |
| Net loans and leases to deposits | 100.5145% | 444 |
| Net loans and leases to core deposits | 109.5434% | 752 |
| Total domestic deposits to total assets | 69.8374% | 7,188 |
| Equity capital to assets | 12.5709% | 1,587 |
| Core capital (leverage) ratio | 11.7247% | 1,721 |
| Tier 1 risk-based capital ratio | 15.7291% | 3,037 |
| Total risk-based capital ratio | 17.0172% | 2,978 |
| Memoranda: | ||
| Average total assets | $901,505,500 | 742 |
| Average earning assets | $803,994,000 | 763 |
| Average equity | $112,045,500 | 615 |
| Average total loans | $680,816,500 | 631 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7903% | 49 |
| Cost of funding earning assets | 1.5408% | 2,405 |
| Net interest margin | 7.2495% | 47 |
| Noninterest income to average assets | 3.3219% | 207 |
| Noninterest expense to average assets | 6.6858% | 175 |
| Loan and lease loss provision to assets | 1.6788% | 846 |
| Net operating income to assets | 1.0192% | 1,970 |
| Return on assets (ROA) | 1.0239% | 2,065 |
| Pretax return on assets | 1.4256% | 1,576 |
| Return on Equity (ROE) | 8.3975% | 2,538 |
| Retained earnings to average equity (ytd only) | 6.0493% | 1,786 |
| Net charge-offs to loans | 1.4758% | 1,494 |
| Credit loss provision to net charge-offs | 147.4374% | 2,484 |
| Earnings coverage of net charge-offs (x) | 2.7207% | 3,721 |
| Efficiency ratio | 68.3357% | 4,495 |
| Assets per employee ($millions) | 1.7384% | 7,505 |
| Cash dividends to net income (ytd only)* | 27.9623% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1240% | 359 |
| Loan loss allowance to noncurrent loans | 322.3787% | 958 |
| Noncurrent assets plus other real estate owned to assets | 2.1788% | 3,120 |
| Noncurrent loans to loans | 1.2792% | 4,577 |
| Net loans and leases to total assets | 74.4581% | 1,577 |
| Net loans and leases to deposits | 107.1896% | 286 |
| Net loans and leases to core deposits | 117.2296% | 599 |
| Total domestic deposits to total assets | 69.4639% | 7,264 |
| Equity capital to assets | 12.2862% | 1,755 |
| Core capital (leverage) ratio | 11.3766% | 1,910 |
| Tier 1 risk-based capital ratio | 14.9802% | 3,264 |
| Total risk-based capital ratio | 16.2671% | 3,195 |
| Memoranda: | ||
| Average total assets | $891,043,200 | 754 |
| Average earning assets | $794,216,000 | 767 |
| Average equity | $108,639,800 | 620 |
| Average total loans | $687,490,000 | 640 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6970% | 48 |
| Cost of funding earning assets | 1.5618% | 2,601 |
| Net interest margin | 7.1352% | 50 |
| Noninterest income to average assets | 3.1238% | 218 |
| Noninterest expense to average assets | 6.6201% | 172 |
| Loan and lease loss provision to assets | 1.5332% | 860 |
| Net operating income to assets | 0.9624% | 2,363 |
| Return on assets (ROA) | 0.9682% | 2,461 |
| Pretax return on assets | 1.3371% | 2,074 |
| Return on Equity (ROE) | 7.9561% | 2,925 |
| Retained earnings to average equity (ytd only) | 6.3779% | 2,154 |
| Net charge-offs to loans | 1.4630% | 1,382 |
| Credit loss provision to net charge-offs | 136.0538% | 2,948 |
| Earnings coverage of net charge-offs (x) | 2.5400% | 3,893 |
| Efficiency ratio | 69.8147% | 4,106 |
| Assets per employee ($millions) | 1.7895% | 7,594 |
| Cash dividends to net income (ytd only)* | 19.8357% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8183% | 425 |
| Loan loss allowance to noncurrent loans | 349.3858% | 856 |
| Noncurrent assets plus other real estate owned to assets | 2.1359% | 3,286 |
| Noncurrent loans to loans | 1.0929% | 5,054 |
| Net loans and leases to total assets | 74.8198% | 1,616 |
| Net loans and leases to deposits | 108.2978% | 291 |
| Net loans and leases to core deposits | 118.3883% | 672 |
| Total domestic deposits to total assets | 69.0871% | 7,322 |
| Equity capital to assets | 12.4855% | 1,866 |
| Core capital (leverage) ratio | 11.3710% | 2,029 |
| Tier 1 risk-based capital ratio | 14.7557% | 3,365 |
| Total risk-based capital ratio | 16.0389% | 3,331 |
| Memoranda: | ||
| Average total assets | $888,681,000 | 758 |
| Average earning assets | $791,958,500 | 767 |
| Average equity | $108,140,750 | 612 |
| Average total loans | $684,530,250 | 638 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6194% | 54 |
| Cost of funding earning assets | 1.5748% | 2,801 |
| Net interest margin | 7.0446% | 57 |
| Noninterest income to average assets | 2.9304% | 222 |
| Noninterest expense to average assets | 6.6554% | 172 |
| Loan and lease loss provision to assets | 1.4691% | 908 |
| Net operating income to assets | 0.8083% | 2,931 |
| Return on assets (ROA) | 0.8166% | 3,043 |
| Pretax return on assets | 1.0844% | 2,829 |
| Return on Equity (ROE) | 6.7705% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.3239% | 2,713 |
| Net charge-offs to loans | 1.5819% | 1,197 |
| Credit loss provision to net charge-offs | 120.9752% | 3,348 |
| Earnings coverage of net charge-offs (x) | 2.0936% | 3,979 |
| Efficiency ratio | 72.3578% | 3,759 |
| Assets per employee ($millions) | 1.7493% | 7,673 |
| Cash dividends to net income (ytd only)* | 21.3673% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5816% | 516 |
| Loan loss allowance to noncurrent loans | 308.2220% | 944 |
| Noncurrent assets plus other real estate owned to assets | 2.3448% | 3,084 |
| Noncurrent loans to loans | 1.1620% | 5,014 |
| Net loans and leases to total assets | 75.0206% | 1,688 |
| Net loans and leases to deposits | 110.0180% | 273 |
| Net loans and leases to core deposits | 123.9608% | 570 |
| Total domestic deposits to total assets | 68.1893% | 7,423 |
| Equity capital to assets | 11.9715% | 2,115 |
| Core capital (leverage) ratio | 11.2602% | 2,062 |
| Tier 1 risk-based capital ratio | 14.2167% | 3,594 |
| Total risk-based capital ratio | 15.4964% | 3,546 |
| Memoranda: | ||
| Average total assets | $884,875,000 | 763 |
| Average earning assets | $787,271,670 | 774 |
| Average equity | $106,727,000 | 618 |
| Average total loans | $679,311,330 | 642 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5058% | 61 |
| Cost of funding earning assets | 1.6070% | 2,922 |
| Net interest margin | 6.8988% | 66 |
| Noninterest income to average assets | 2.6521% | 238 |
| Noninterest expense to average assets | 6.1329% | 208 |
| Loan and lease loss provision to assets | 1.4612% | 807 |
| Net operating income to assets | 0.8749% | 2,653 |
| Return on assets (ROA) | 0.8849% | 2,680 |
| Pretax return on assets | 1.2091% | 2,334 |
| Return on Equity (ROE) | 7.3089% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.3089% | 2,014 |
| Net charge-offs to loans | 1.5633% | 1,112 |
| Credit loss provision to net charge-offs | 122.6054% | 2,854 |
| Earnings coverage of net charge-offs (x) | 2.2291% | 3,421 |
| Efficiency ratio | 69.7751% | 4,353 |
| Assets per employee ($millions) | 1.7404% | 7,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6547% | 485 |
| Loan loss allowance to noncurrent loans | 225.0800% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 2.5442% | 2,857 |
| Noncurrent loans to loans | 1.6237% | 4,311 |
| Net loans and leases to total assets | 74.7228% | 1,804 |
| Net loans and leases to deposits | 107.6157% | 356 |
| Net loans and leases to core deposits | 121.2935% | 735 |
| Total domestic deposits to total assets | 69.4349% | 7,444 |
| Equity capital to assets | 12.3475% | 1,846 |
| Core capital (leverage) ratio | 11.2849% | 2,041 |
| Tier 1 risk-based capital ratio | 14.4576% | 3,409 |
| Total risk-based capital ratio | 15.7374% | 3,355 |
| Memoranda: | ||
| Average total assets | $876,001,500 | 788 |
| Average earning assets | $779,326,000 | 804 |
| Average equity | $106,062,000 | 624 |
| Average total loans | $667,814,000 | 679 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3286% | 63 |
| Cost of funding earning assets | 1.8474% | 3,747 |
| Net interest margin | 6.4812% | 72 |
| Noninterest income to average assets | 4.1916% | 163 |
| Noninterest expense to average assets | 6.8128% | 218 |
| Loan and lease loss provision to assets | 2.1286% | 993 |
| Net operating income to assets | 0.7430% | 2,756 |
| Return on assets (ROA) | 0.7466% | 2,830 |
| Pretax return on assets | 1.0435% | 2,443 |
| Return on Equity (ROE) | 6.5964% | 2,954 |
| Retained earnings to average equity (ytd only) | 2.3210% | 3,495 |
| Net charge-offs to loans | 2.0951% | 1,167 |
| Credit loss provision to net charge-offs | 129.4310% | 3,962 |
| Earnings coverage of net charge-offs (x) | 1.9257% | 4,280 |
| Efficiency ratio | 68.2657% | 4,968 |
| Assets per employee ($millions) | 1.7358% | 7,844 |
| Cash dividends to net income (ytd only)* | 64.8134% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6291% | 477 |
| Loan loss allowance to noncurrent loans | 410.4373% | 814 |
| Noncurrent assets plus other real estate owned to assets | 2.1113% | 3,257 |
| Noncurrent loans to loans | 0.8842% | 5,532 |
| Net loans and leases to total assets | 72.2144% | 2,699 |
| Net loans and leases to deposits | 105.1021% | 597 |
| Net loans and leases to core deposits | 137.5005% | 893 |
| Total domestic deposits to total assets | 68.7088% | 7,506 |
| Equity capital to assets | 11.8716% | 2,098 |
| Core capital (leverage) ratio | 11.1015% | 2,175 |
| Tier 1 risk-based capital ratio | 14.1103% | 3,434 |
| Total risk-based capital ratio | 15.3888% | 3,371 |
| Memoranda: | ||
| Average total assets | $872,078,800 | 776 |
| Average earning assets | $778,838,800 | 790 |
| Average equity | $98,705,600 | 669 |
| Average total loans | $684,543,800 | 680 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2514% | 70 |
| Cost of funding earning assets | 1.9006% | 3,887 |
| Net interest margin | 6.3508% | 83 |
| Noninterest income to average assets | 4.2567% | 156 |
| Noninterest expense to average assets | 6.7592% | 218 |
| Loan and lease loss provision to assets | 1.9731% | 921 |
| Net operating income to assets | 0.8630% | 2,562 |
| Return on assets (ROA) | 0.8667% | 2,617 |
| Pretax return on assets | 1.2093% | 2,234 |
| Return on Equity (ROE) | 7.7533% | 2,747 |
| Retained earnings to average equity (ytd only) | 2.3054% | 4,032 |
| Net charge-offs to loans | 1.8841% | 1,069 |
| Credit loss provision to net charge-offs | 131.8876% | 3,792 |
| Earnings coverage of net charge-offs (x) | 2.1239% | 4,228 |
| Efficiency ratio | 68.0236% | 4,971 |
| Assets per employee ($millions) | 1.7566% | 7,919 |
| Cash dividends to net income (ytd only)* | 70.2654% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3350% | 486 |
| Loan loss allowance to noncurrent loans | 251.7688% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 2.5128% | 2,760 |
| Noncurrent loans to loans | 1.3246% | 4,722 |
| Net loans and leases to total assets | 76.0848% | 1,981 |
| Net loans and leases to deposits | 115.3068% | 285 |
| Net loans and leases to core deposits | 149.1486% | 601 |
| Total domestic deposits to total assets | 65.9847% | 7,685 |
| Equity capital to assets | 12.0099% | 2,235 |
| Core capital (leverage) ratio | 11.0198% | 2,388 |
| Tier 1 risk-based capital ratio | 13.8322% | 3,642 |
| Total risk-based capital ratio | 15.1082% | 3,571 |
| Memoranda: | ||
| Average total assets | $869,217,750 | 794 |
| Average earning assets | $777,369,000 | 807 |
| Average equity | $97,160,000 | 682 |
| Average total loans | $690,165,250 | 692 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1265% | 86 |
| Cost of funding earning assets | 1.9628% | 3,950 |
| Net interest margin | 6.1637% | 98 |
| Noninterest income to average assets | 4.4173% | 152 |
| Noninterest expense to average assets | 6.7893% | 239 |
| Loan and lease loss provision to assets | 1.9586% | 829 |
| Net operating income to assets | 0.8632% | 2,596 |
| Return on assets (ROA) | 0.8682% | 2,685 |
| Pretax return on assets | 1.1844% | 2,348 |
| Return on Equity (ROE) | 7.9664% | 2,788 |
| Retained earnings to average equity (ytd only) | 2.2643% | 4,076 |
| Net charge-offs to loans | 1.9601% | 947 |
| Credit loss provision to net charge-offs | 125.4798% | 3,703 |
| Earnings coverage of net charge-offs (x) | 2.0092% | 4,080 |
| Efficiency ratio | 68.4032% | 5,089 |
| Assets per employee ($millions) | 1.7323% | 8,012 |
| Cash dividends to net income (ytd only)* | 71.5764% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0907% | 524 |
| Loan loss allowance to noncurrent loans | 186.6505% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 2.5187% | 2,557 |
| Noncurrent loans to loans | 1.6559% | 4,010 |
| Net loans and leases to total assets | 77.0215% | 1,944 |
| Net loans and leases to deposits | 116.1418% | 325 |
| Net loans and leases to core deposits | 147.6265% | 715 |
| Total domestic deposits to total assets | 66.3168% | 7,720 |
| Equity capital to assets | 11.6208% | 2,452 |
| Core capital (leverage) ratio | 10.7199% | 2,644 |
| Tier 1 risk-based capital ratio | 13.5401% | 3,793 |
| Total risk-based capital ratio | 14.8131% | 3,707 |
| Memoranda: | ||
| Average total assets | $867,954,670 | 812 |
| Average earning assets | $775,637,000 | 825 |
| Average equity | $94,597,670 | 700 |
| Average total loans | $691,173,000 | 713 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9947% | 93 |
| Cost of funding earning assets | 2.0218% | 4,025 |
| Net interest margin | 5.9730% | 102 |
| Noninterest income to average assets | 4.2809% | 153 |
| Noninterest expense to average assets | 6.6175% | 227 |
| Loan and lease loss provision to assets | 1.8989% | 642 |
| Net operating income to assets | 0.8285% | 3,004 |
| Return on assets (ROA) | 0.8309% | 3,140 |
| Pretax return on assets | 1.1014% | 2,983 |
| Return on Equity (ROE) | 7.8888% | 3,195 |
| Retained earnings to average equity (ytd only) | 2.0228% | 4,734 |
| Net charge-offs to loans | 2.0836% | 693 |
| Credit loss provision to net charge-offs | 114.3335% | 3,402 |
| Earnings coverage of net charge-offs (x) | 1.8045% | 3,827 |
| Efficiency ratio | 68.8280% | 4,813 |
| Assets per employee ($millions) | 1.7294% | 8,049 |
| Cash dividends to net income (ytd only)* | 74.3590% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9294% | 510 |
| Loan loss allowance to noncurrent loans | 90.0310% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 2.7538% | 2,060 |
| Noncurrent loans to loans | 3.2537% | 1,979 |
| Net loans and leases to total assets | 76.4934% | 2,162 |
| Net loans and leases to deposits | 115.7468% | 393 |
| Net loans and leases to core deposits | 146.4156% | 841 |
| Total domestic deposits to total assets | 66.0868% | 7,727 |
| Equity capital to assets | 11.5104% | 2,582 |
| Core capital (leverage) ratio | 10.7053% | 2,735 |
| Tier 1 risk-based capital ratio | 13.5581% | 3,826 |
| Total risk-based capital ratio | 14.8293% | 3,739 |
| Memoranda: | ||
| Average total assets | $863,648,000 | 814 |
| Average earning assets | $771,209,500 | 830 |
| Average equity | $90,964,500 | 728 |
| Average total loans | $688,420,500 | 724 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6904% | 86 |
| Cost of funding earning assets | 2.7306% | 3,019 |
| Net interest margin | 5.9598% | 113 |
| Noninterest income to average assets | 3.2246% | 182 |
| Noninterest expense to average assets | 5.9488% | 409 |
| Loan and lease loss provision to assets | 1.6812% | 770 |
| Net operating income to assets | 0.7258% | 3,775 |
| Return on assets (ROA) | 0.7469% | 3,525 |
| Pretax return on assets | 0.9771% | 3,460 |
| Return on Equity (ROE) | 7.6290% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.8153% | 3,430 |
| Net charge-offs to loans | 1.4936% | 778 |
| Credit loss provision to net charge-offs | 138.7282% | 3,829 |
| Earnings coverage of net charge-offs (x) | 2.1707% | 4,988 |
| Efficiency ratio | 69.3385% | 4,471 |
| Assets per employee ($millions) | 1.7043% | 8,094 |
| Cash dividends to net income (ytd only)* | 63.0968% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8991% | 476 |
| Loan loss allowance to noncurrent loans | 86.1243% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.9472% | 1,566 |
| Noncurrent loans to loans | 3.3662% | 1,532 |
| Net loans and leases to total assets | 78.3172% | 2,044 |
| Net loans and leases to deposits | 120.4206% | 381 |
| Net loans and leases to core deposits | 148.9872% | 887 |
| Total domestic deposits to total assets | 65.0364% | 7,723 |
| Equity capital to assets | 9.5164% | 4,666 |
| Core capital (leverage) ratio | 8.7401% | 5,129 |
| Tier 1 risk-based capital ratio | 10.7307% | 5,973 |
| Total risk-based capital ratio | 12.0015% | 5,862 |
| Memoranda: | ||
| Average total assets | $818,832,200 | 831 |
| Average earning assets | $735,707,000 | 828 |
| Average equity | $80,167,800 | 831 |
| Average total loans | $664,365,200 | 711 |