Home > Dubuque Bank and Trust Company > Performance and Condition Ratios
Dubuque Bank and Trust Company, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 3,024 |
| Cost of funding earning assets | 1.7724% | 1,056 |
| Net interest margin | 2.6672% | 3,924 |
| Noninterest income to average assets | 1.1500% | 529 |
| Noninterest expense to average assets | 2.1617% | 3,174 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.1038% | 2,045 |
| Return on assets (ROA) | 1.0973% | 2,051 |
| Pretax return on assets | 1.4690% | 1,635 |
| Return on Equity (ROE) | 18.2400% | 919 |
| Retained earnings to average equity (ytd only) | 18.2365% | 329 |
| Net charge-offs to loans | 0.0725% | 966 |
| Credit loss provision to net charge-offs | 30.4183% | 1,970 |
| Earnings coverage of net charge-offs (x) | 42.1122% | 1,416 |
| Efficiency ratio | 59.5630% | 3,017 |
| Assets per employee ($millions) | 23.8260% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8468% | 3,880 |
| Loan loss allowance to noncurrent loans | 88.7202% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 857 |
| Noncurrent loans to loans | 0.9545% | 861 |
| Net loans and leases to total assets | 49.0800% | 3,682 |
| Net loans and leases to deposits | 53.7893% | 3,795 |
| Net loans and leases to core deposits | 56.3980% | 3,840 |
| Total domestic deposits to total assets | 91.2400% | 617 |
| Equity capital to assets | 6.4074% | 3,858 |
| Core capital (leverage) ratio | 9.6613% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9393% | 1,337 |
| Memoranda: | ||
| Average total assets | $2,012,422,250 | 570 |
| Average earning assets | $1,873,616,000 | 557 |
| Average equity | $121,087,250 | 811 |
| Average total loans | $966,923,250 | 752 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 2,847 |
| Cost of funding earning assets | 1.6597% | 950 |
| Net interest margin | 2.7555% | 3,894 |
| Noninterest income to average assets | 1.2500% | 419 |
| Noninterest expense to average assets | 2.2022% | 3,069 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.2183% | 1,781 |
| Return on assets (ROA) | 1.2081% | 1,803 |
| Pretax return on assets | 1.6245% | 1,363 |
| Return on Equity (ROE) | 20.4800% | 660 |
| Retained earnings to average equity (ytd only) | 20.4835% | 234 |
| Net charge-offs to loans | 0.0732% | 837 |
| Credit loss provision to net charge-offs | -20.1117% | 4,509 |
| Earnings coverage of net charge-offs (x) | 46.3631% | 1,325 |
| Efficiency ratio | 57.6959% | 3,221 |
| Assets per employee ($millions) | 24.3472% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 3,973 |
| Loan loss allowance to noncurrent loans | 65.2627% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8362% | 606 |
| Noncurrent loans to loans | 1.2563% | 566 |
| Net loans and leases to total assets | 48.6000% | 3,657 |
| Net loans and leases to deposits | 55.1099% | 3,690 |
| Net loans and leases to core deposits | 60.2554% | 3,620 |
| Total domestic deposits to total assets | 88.1800% | 1,539 |
| Equity capital to assets | 6.5025% | 3,993 |
| Core capital (leverage) ratio | 8.9830% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1320% | 1,535 |
| Memoranda: | ||
| Average total assets | $2,055,811,667 | 549 |
| Average earning assets | $1,916,329,000 | 536 |
| Average equity | $121,248,667 | 803 |
| Average total loans | $978,688,000 | 727 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 2,859 |
| Cost of funding earning assets | 1.3887% | 1,044 |
| Net interest margin | 2.8874% | 3,808 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 1.8883% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0319% | 2,430 |
| Return on assets (ROA) | 1.0217% | 2,426 |
| Pretax return on assets | 1.3677% | 1,968 |
| Return on Equity (ROE) | 18.1800% | 999 |
| Retained earnings to average equity (ytd only) | 18.1837% | 498 |
| Net charge-offs to loans | 0.0339% | 1,043 |
| Credit loss provision to net charge-offs | 163.0952% | 916 |
| Earnings coverage of net charge-offs (x) | 86.7619% | 855 |
| Efficiency ratio | 57.7458% | 3,219 |
| Assets per employee ($millions) | 25.4359% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 3,982 |
| Loan loss allowance to noncurrent loans | 150.5891% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 959 |
| Noncurrent loans to loans | 0.5663% | 1,313 |
| Net loans and leases to total assets | 45.7600% | 3,783 |
| Net loans and leases to deposits | 49.9451% | 3,892 |
| Net loans and leases to core deposits | 57.7072% | 3,645 |
| Total domestic deposits to total assets | 91.6100% | 620 |
| Equity capital to assets | 5.8647% | 4,248 |
| Core capital (leverage) ratio | 8.4436% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9344% | 1,995 |
| Memoranda: | ||
| Average total assets | $2,109,830,000 | 544 |
| Average earning assets | $1,968,443,000 | 532 |
| Average equity | $118,546,000 | 832 |
| Average total loans | $990,853,500 | 728 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1829% | 3,847 |
| Cost of funding earning assets | 0.3972% | 2,133 |
| Net interest margin | 2.7857% | 3,921 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 2.2858% | 2,785 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 1.2367% | 1,640 |
| Return on assets (ROA) | 1.2997% | 1,390 |
| Pretax return on assets | 1.7385% | 844 |
| Return on Equity (ROE) | 21.1400% | 386 |
| Retained earnings to average equity (ytd only) | 4.7427% | 3,158 |
| Net charge-offs to loans | 0.2160% | 378 |
| Credit loss provision to net charge-offs | -25.2947% | 4,554 |
| Earnings coverage of net charge-offs (x) | 15.9606% | 1,990 |
| Efficiency ratio | 58.6244% | 3,246 |
| Assets per employee ($millions) | 15.5035% | 184 |
| Cash dividends to net income (ytd only)* | 77.5604% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8194% | 3,993 |
| Loan loss allowance to noncurrent loans | 131.0942% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6198% | 800 |
| Noncurrent loans to loans | 0.6251% | 1,185 |
| Net loans and leases to total assets | 47.3900% | 3,712 |
| Net loans and leases to deposits | 56.5117% | 3,545 |
| Net loans and leases to core deposits | 57.8281% | 3,627 |
| Total domestic deposits to total assets | 83.8500% | 3,239 |
| Equity capital to assets | 5.3725% | 4,274 |
| Core capital (leverage) ratio | 8.0804% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0106% | 2,375 |
| Memoranda: | ||
| Average total assets | $2,182,504,600 | 512 |
| Average earning assets | $2,060,978,800 | 497 |
| Average equity | $134,206,600 | 732 |
| Average total loans | $1,021,102,200 | 668 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9033% | 4,057 |
| Cost of funding earning assets | 0.2508% | 2,701 |
| Net interest margin | 2.6526% | 4,020 |
| Noninterest income to average assets | 1.3600% | 400 |
| Noninterest expense to average assets | 2.2594% | 2,758 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 1.2374% | 1,559 |
| Return on assets (ROA) | 1.3214% | 1,258 |
| Pretax return on assets | 1.7679% | 787 |
| Return on Equity (ROE) | 20.8600% | 372 |
| Retained earnings to average equity (ytd only) | 4.6031% | 3,240 |
| Net charge-offs to loans | 0.2745% | 245 |
| Credit loss provision to net charge-offs | -26.0313% | 4,621 |
| Earnings coverage of net charge-offs (x) | 12.6415% | 1,908 |
| Efficiency ratio | 58.3155% | 3,347 |
| Assets per employee ($millions) | 15.5156% | 182 |
| Cash dividends to net income (ytd only)* | 77.9316% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8074% | 4,075 |
| Loan loss allowance to noncurrent loans | 114.0655% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 689 |
| Noncurrent loans to loans | 0.7078% | 1,155 |
| Net loans and leases to total assets | 48.3200% | 3,597 |
| Net loans and leases to deposits | 55.6520% | 3,508 |
| Net loans and leases to core deposits | 57.2527% | 3,546 |
| Total domestic deposits to total assets | 86.8300% | 2,820 |
| Equity capital to assets | 5.0838% | 4,270 |
| Core capital (leverage) ratio | 7.8656% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5646% | 2,635 |
| Memoranda: | ||
| Average total assets | $2,201,010,750 | 505 |
| Average earning assets | $2,086,974,750 | 491 |
| Average equity | $139,438,750 | 719 |
| Average total loans | $1,024,524,250 | 668 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6587% | 4,203 |
| Cost of funding earning assets | 0.1437% | 3,655 |
| Net interest margin | 2.5150% | 4,065 |
| Noninterest income to average assets | 1.4212% | 360 |
| Noninterest expense to average assets | 2.2612% | 2,664 |
| Loan and lease loss provision to assets | -0.0370% | 4,486 |
| Net operating income to assets | 1.1736% | 1,524 |
| Return on assets (ROA) | 1.3102% | 1,091 |
| Pretax return on assets | 1.7611% | 656 |
| Return on Equity (ROE) | 19.4573% | 346 |
| Retained earnings to average equity (ytd only) | 6.1149% | 2,294 |
| Net charge-offs to loans | 0.4063% | 173 |
| Credit loss provision to net charge-offs | -11.7647% | 2,977 |
| Earnings coverage of net charge-offs (x) | 8.3250% | 1,823 |
| Efficiency ratio | 59.3119% | 3,402 |
| Assets per employee ($millions) | 15.4720% | 185 |
| Cash dividends to net income (ytd only)* | 68.5730% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8270% | 4,131 |
| Loan loss allowance to noncurrent loans | 103.6203% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 740 |
| Noncurrent loans to loans | 0.7981% | 1,075 |
| Net loans and leases to total assets | 48.5185% | 3,506 |
| Net loans and leases to deposits | 56.0065% | 3,375 |
| Net loans and leases to core deposits | 59.3600% | 3,315 |
| Total domestic deposits to total assets | 86.6302% | 3,067 |
| Equity capital to assets | 5.9546% | 4,214 |
| Core capital (leverage) ratio | 7.6070% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6566% | 2,630 |
| Memoranda: | ||
| Average total assets | $2,226,133,333 | 501 |
| Average earning assets | $2,116,598,000 | 487 |
| Average equity | $149,897,333 | 688 |
| Average total loans | $1,020,843,667 | 664 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4458% | 4,333 |
| Cost of funding earning assets | 0.0845% | 4,303 |
| Net interest margin | 2.3614% | 4,135 |
| Noninterest income to average assets | 1.2725% | 439 |
| Noninterest expense to average assets | 2.2644% | 2,634 |
| Loan and lease loss provision to assets | 0.0802% | 1,021 |
| Net operating income to assets | 0.8732% | 2,398 |
| Return on assets (ROA) | 1.1516% | 1,373 |
| Pretax return on assets | 1.5329% | 956 |
| Return on Equity (ROE) | 16.2124% | 510 |
| Retained earnings to average equity (ytd only) | 16.2124% | 220 |
| Net charge-offs to loans | 0.8619% | 81 |
| Credit loss provision to net charge-offs | 33.1948% | 1,254 |
| Earnings coverage of net charge-offs (x) | 3.2941% | 1,672 |
| Efficiency ratio | 64.2374% | 2,994 |
| Assets per employee ($millions) | 15.3836% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 3,996 |
| Loan loss allowance to noncurrent loans | 79.6671% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 785 |
| Noncurrent loans to loans | 1.1508% | 770 |
| Net loans and leases to total assets | 45.1327% | 3,644 |
| Net loans and leases to deposits | 57.6727% | 3,109 |
| Net loans and leases to core deposits | 60.1978% | 3,126 |
| Total domestic deposits to total assets | 78.2567% | 4,389 |
| Equity capital to assets | 6.4604% | 4,437 |
| Core capital (leverage) ratio | 8.2654% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0848% | 2,580 |
| Memoranda: | ||
| Average total assets | $2,263,895,500 | 495 |
| Average earning assets | $2,159,593,000 | 478 |
| Average equity | $160,815,500 | 675 |
| Average total loans | $1,005,193,000 | 664 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7762% | 4,235 |
| Cost of funding earning assets | 0.0872% | 4,485 |
| Net interest margin | 2.6890% | 3,893 |
| Noninterest income to average assets | 1.4746% | 514 |
| Noninterest expense to average assets | 2.3929% | 2,514 |
| Loan and lease loss provision to assets | -0.0161% | 4,203 |
| Net operating income to assets | 1.2375% | 1,784 |
| Return on assets (ROA) | 1.2778% | 1,722 |
| Pretax return on assets | 1.7104% | 1,118 |
| Return on Equity (ROE) | 14.3082% | 1,102 |
| Retained earnings to average equity (ytd only) | 2.2463% | 3,908 |
| Net charge-offs to loans | 0.0560% | 1,237 |
| Credit loss provision to net charge-offs | -61.2782% | 3,282 |
| Earnings coverage of net charge-offs (x) | 61.6523% | 1,157 |
| Efficiency ratio | 59.2862% | 3,260 |
| Assets per employee ($millions) | 14.2397% | 231 |
| Cash dividends to net income (ytd only)* | 84.3005% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,171 |
| Loan loss allowance to noncurrent loans | 72.7855% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8759% | 668 |
| Noncurrent loans to loans | 1.5667% | 568 |
| Net loans and leases to total assets | 42.7298% | 3,931 |
| Net loans and leases to deposits | 54.5852% | 3,550 |
| Net loans and leases to core deposits | 55.4264% | 3,667 |
| Total domestic deposits to total assets | 78.2809% | 4,369 |
| Equity capital to assets | 7.7628% | 4,487 |
| Core capital (leverage) ratio | 8.0170% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0688% | 2,606 |
| Memoranda: | ||
| Average total assets | $1,995,918,800 | 531 |
| Average earning assets | $1,901,374,400 | 519 |
| Average equity | $178,247,800 | 611 |
| Average total loans | $950,738,200 | 687 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8867% | 4,191 |
| Cost of funding earning assets | 0.0908% | 4,570 |
| Net interest margin | 2.7959% | 3,791 |
| Noninterest income to average assets | 1.5020% | 549 |
| Noninterest expense to average assets | 2.4054% | 2,422 |
| Loan and lease loss provision to assets | 0.0318% | 2,359 |
| Net operating income to assets | 1.2879% | 1,858 |
| Return on assets (ROA) | 1.3020% | 1,881 |
| Pretax return on assets | 1.7426% | 1,299 |
| Return on Equity (ROE) | 14.0484% | 1,373 |
| Retained earnings to average equity (ytd only) | 3.2734% | 3,808 |
| Net charge-offs to loans | 0.0614% | 1,023 |
| Credit loss provision to net charge-offs | 170.6422% | 1,284 |
| Earnings coverage of net charge-offs (x) | 58.5023% | 1,146 |
| Efficiency ratio | 57.7936% | 3,301 |
| Assets per employee ($millions) | 13.3014% | 281 |
| Cash dividends to net income (ytd only)* | 76.6993% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,508 |
| Loan loss allowance to noncurrent loans | 72.8594% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.8832% | 782 |
| Noncurrent loans to loans | 1.7793% | 547 |
| Net loans and leases to total assets | 47.1274% | 3,701 |
| Net loans and leases to deposits | 54.3898% | 3,703 |
| Net loans and leases to core deposits | 55.2348% | 3,832 |
| Total domestic deposits to total assets | 86.6475% | 2,487 |
| Equity capital to assets | 9.0328% | 3,801 |
| Core capital (leverage) ratio | 8.3734% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8579% | 2,411 |
| Memoranda: | ||
| Average total assets | $1,935,991,000 | 554 |
| Average earning assets | $1,841,916,500 | 540 |
| Average equity | $179,422,750 | 612 |
| Average total loans | $946,848,000 | 706 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9164% | 4,196 |
| Cost of funding earning assets | 0.0906% | 4,634 |
| Net interest margin | 2.8258% | 3,732 |
| Noninterest income to average assets | 1.5094% | 538 |
| Noninterest expense to average assets | 2.3848% | 2,515 |
| Loan and lease loss provision to assets | 0.0693% | 1,667 |
| Net operating income to assets | 1.3028% | 1,859 |
| Return on assets (ROA) | 1.3193% | 1,871 |
| Pretax return on assets | 1.7638% | 1,318 |
| Return on Equity (ROE) | 14.1134% | 1,379 |
| Retained earnings to average equity (ytd only) | 2.4439% | 4,010 |
| Net charge-offs to loans | 0.1639% | 511 |
| Credit loss provision to net charge-offs | 94.6015% | 1,416 |
| Earnings coverage of net charge-offs (x) | 22.4216% | 1,486 |
| Efficiency ratio | 56.8207% | 3,427 |
| Assets per employee ($millions) | 13.9164% | 237 |
| Cash dividends to net income (ytd only)* | 82.6837% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 2,706 |
| Loan loss allowance to noncurrent loans | 68.0212% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 854 |
| Noncurrent loans to loans | 1.8295% | 560 |
| Net loans and leases to total assets | 47.1939% | 3,805 |
| Net loans and leases to deposits | 63.8218% | 3,023 |
| Net loans and leases to core deposits | 64.8630% | 3,201 |
| Total domestic deposits to total assets | 73.9465% | 4,654 |
| Equity capital to assets | 9.0837% | 3,724 |
| Core capital (leverage) ratio | 8.6510% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1030% | 2,325 |
| Memoranda: | ||
| Average total assets | $1,925,117,333 | 549 |
| Average earning assets | $1,830,959,333 | 537 |
| Average equity | $179,956,667 | 604 |
| Average total loans | $949,150,333 | 708 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9779% | 4,134 |
| Cost of funding earning assets | 0.0982% | 4,659 |
| Net interest margin | 2.8797% | 3,576 |
| Noninterest income to average assets | 1.4982% | 601 |
| Noninterest expense to average assets | 2.3503% | 2,651 |
| Loan and lease loss provision to assets | 0.1754% | 706 |
| Net operating income to assets | 1.2828% | 1,879 |
| Return on assets (ROA) | 1.2843% | 1,945 |
| Pretax return on assets | 1.7129% | 1,461 |
| Return on Equity (ROE) | 13.5383% | 1,528 |
| Retained earnings to average equity (ytd only) | 13.5383% | 807 |
| Net charge-offs to loans | 0.0494% | 1,003 |
| Credit loss provision to net charge-offs | 776.0684% | 483 |
| Earnings coverage of net charge-offs (x) | 76.2906% | 724 |
| Efficiency ratio | 55.4746% | 3,608 |
| Assets per employee ($millions) | 12.7963% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,288 |
| Loan loss allowance to noncurrent loans | 68.4942% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 838 |
| Noncurrent loans to loans | 1.9446% | 567 |
| Net loans and leases to total assets | 48.5667% | 3,753 |
| Net loans and leases to deposits | 59.9332% | 3,488 |
| Net loans and leases to core deposits | 60.9135% | 3,648 |
| Total domestic deposits to total assets | 81.0348% | 4,056 |
| Equity capital to assets | 9.2891% | 3,404 |
| Core capital (leverage) ratio | 9.0615% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0013% | 1,897 |
| Memoranda: | ||
| Average total assets | $1,892,656,000 | 558 |
| Average earning assets | $1,799,924,500 | 542 |
| Average equity | $179,550,000 | 596 |
| Average total loans | $948,219,000 | 705 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 4,395 |
| Cost of funding earning assets | 0.2437% | 4,407 |
| Net interest margin | 3.0062% | 3,868 |
| Noninterest income to average assets | 1.4904% | 544 |
| Noninterest expense to average assets | 2.4265% | 3,071 |
| Loan and lease loss provision to assets | 0.2487% | 1,549 |
| Net operating income to assets | 1.2453% | 1,396 |
| Return on assets (ROA) | 1.2857% | 1,387 |
| Pretax return on assets | 1.6974% | 857 |
| Return on Equity (ROE) | 13.7177% | 880 |
| Retained earnings to average equity (ytd only) | 2.7781% | 3,473 |
| Net charge-offs to loans | 0.0534% | 2,023 |
| Credit loss provision to net charge-offs | 896.5092% | 835 |
| Earnings coverage of net charge-offs (x) | 68.3080% | 993 |
| Efficiency ratio | 56.1511% | 3,973 |
| Assets per employee ($millions) | 12.5208% | 293 |
| Cash dividends to net income (ytd only)* | 79.7483% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,634 |
| Loan loss allowance to noncurrent loans | 60.5660% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 866 |
| Noncurrent loans to loans | 2.0744% | 538 |
| Net loans and leases to total assets | 50.3740% | 3,795 |
| Net loans and leases to deposits | 64.0720% | 3,431 |
| Net loans and leases to core deposits | 65.2209% | 3,609 |
| Total domestic deposits to total assets | 78.6210% | 4,248 |
| Equity capital to assets | 9.6927% | 3,417 |
| Core capital (leverage) ratio | 8.5193% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9412% | 2,257 |
| Memoranda: | ||
| Average total assets | $1,755,558,000 | 537 |
| Average earning assets | $1,653,304,200 | 528 |
| Average equity | $164,539,800 | 622 |
| Average total loans | $912,525,800 | 702 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3287% | 4,440 |
| Cost of funding earning assets | 0.2910% | 4,346 |
| Net interest margin | 3.0378% | 3,890 |
| Noninterest income to average assets | 1.4961% | 525 |
| Noninterest expense to average assets | 2.4336% | 3,043 |
| Loan and lease loss provision to assets | 0.3167% | 1,251 |
| Net operating income to assets | 1.1994% | 1,636 |
| Return on assets (ROA) | 1.2243% | 1,683 |
| Pretax return on assets | 1.6343% | 1,094 |
| Return on Equity (ROE) | 13.1836% | 1,059 |
| Retained earnings to average equity (ytd only) | 0.7439% | 4,322 |
| Net charge-offs to loans | 0.0658% | 1,674 |
| Credit loss provision to net charge-offs | 921.9731% | 883 |
| Earnings coverage of net charge-offs (x) | 55.8789% | 1,132 |
| Efficiency ratio | 55.9059% | 3,928 |
| Assets per employee ($millions) | 12.7657% | 279 |
| Cash dividends to net income (ytd only)* | 94.3574% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,184 |
| Loan loss allowance to noncurrent loans | 67.2587% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9546% | 1,175 |
| Noncurrent loans to loans | 1.9233% | 652 |
| Net loans and leases to total assets | 48.4172% | 4,196 |
| Net loans and leases to deposits | 55.9221% | 4,267 |
| Net loans and leases to core deposits | 56.8097% | 4,349 |
| Total domestic deposits to total assets | 86.5798% | 1,821 |
| Equity capital to assets | 9.3633% | 3,804 |
| Core capital (leverage) ratio | 8.8235% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3896% | 2,039 |
| Memoranda: | ||
| Average total assets | $1,731,178,000 | 536 |
| Average earning assets | $1,628,083,000 | 525 |
| Average equity | $160,771,500 | 626 |
| Average total loans | $904,320,500 | 705 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4576% | 4,469 |
| Cost of funding earning assets | 0.3858% | 4,104 |
| Net interest margin | 3.0719% | 3,963 |
| Noninterest income to average assets | 1.5171% | 453 |
| Noninterest expense to average assets | 2.5733% | 2,759 |
| Loan and lease loss provision to assets | 0.4313% | 910 |
| Net operating income to assets | 1.0498% | 2,149 |
| Return on assets (ROA) | 1.0796% | 2,160 |
| Pretax return on assets | 1.4338% | 1,629 |
| Return on Equity (ROE) | 11.6595% | 1,431 |
| Retained earnings to average equity (ytd only) | -7.4503% | 4,861 |
| Net charge-offs to loans | -0.0915% | 4,826 |
| Credit loss provision to net charge-offs | -883.0918% | 3,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4743% | 3,633 |
| Assets per employee ($millions) | 12.7520% | 268 |
| Cash dividends to net income (ytd only)* | 163.8986% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 1,966 |
| Loan loss allowance to noncurrent loans | 68.9521% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 1,289 |
| Noncurrent loans to loans | 1.8967% | 722 |
| Net loans and leases to total assets | 49.2532% | 4,192 |
| Net loans and leases to deposits | 60.8535% | 4,072 |
| Net loans and leases to core deposits | 61.9455% | 4,177 |
| Total domestic deposits to total assets | 80.9373% | 3,623 |
| Equity capital to assets | 8.8499% | 4,213 |
| Core capital (leverage) ratio | 8.7731% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1804% | 2,108 |
| Memoranda: | ||
| Average total assets | $1,695,484,000 | 539 |
| Average earning assets | $1,591,610,667 | 526 |
| Average equity | $156,988,000 | 639 |
| Average total loans | $905,194,667 | 690 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7213% | 4,346 |
| Cost of funding earning assets | 0.6498% | 3,172 |
| Net interest margin | 3.0716% | 4,155 |
| Noninterest income to average assets | 1.5563% | 370 |
| Noninterest expense to average assets | 2.7573% | 2,555 |
| Loan and lease loss provision to assets | 0.3558% | 871 |
| Net operating income to assets | 0.9883% | 2,218 |
| Return on assets (ROA) | 1.0119% | 2,239 |
| Pretax return on assets | 1.3514% | 1,712 |
| Return on Equity (ROE) | 10.6597% | 1,510 |
| Retained earnings to average equity (ytd only) | -28.3867% | 5,033 |
| Net charge-offs to loans | -0.1901% | 4,932 |
| Credit loss provision to net charge-offs | -330.9859% | 3,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1754% | 3,480 |
| Assets per employee ($millions) | 11.1281% | 298 |
| Cash dividends to net income (ytd only)* | 366.3004% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 3,135 |
| Loan loss allowance to noncurrent loans | 56.2328% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.0990% | 1,184 |
| Noncurrent loans to loans | 1.9769% | 725 |
| Net loans and leases to total assets | 54.9738% | 3,911 |
| Net loans and leases to deposits | 64.1746% | 3,974 |
| Net loans and leases to core deposits | 65.6510% | 4,101 |
| Total domestic deposits to total assets | 85.6629% | 2,145 |
| Equity capital to assets | 9.3252% | 4,372 |
| Core capital (leverage) ratio | 9.2829% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6836% | 2,404 |
| Memoranda: | ||
| Average total assets | $1,618,708,500 | 542 |
| Average earning assets | $1,516,871,500 | 524 |
| Average equity | $153,663,500 | 647 |
| Average total loans | $896,404,000 | 675 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 4,173 |
| Cost of funding earning assets | 0.8955% | 2,206 |
| Net interest margin | 3.1419% | 4,300 |
| Noninterest income to average assets | 3.0133% | 151 |
| Noninterest expense to average assets | 3.0175% | 1,974 |
| Loan and lease loss provision to assets | 0.0708% | 2,584 |
| Net operating income to assets | 2.2339% | 210 |
| Return on assets (ROA) | 2.2871% | 201 |
| Pretax return on assets | 2.9064% | 105 |
| Return on Equity (ROE) | 23.0577% | 111 |
| Retained earnings to average equity (ytd only) | 2.9748% | 3,547 |
| Net charge-offs to loans | 0.2230% | 915 |
| Credit loss provision to net charge-offs | 54.2151% | 3,092 |
| Earnings coverage of net charge-offs (x) | 22.2931% | 1,856 |
| Efficiency ratio | 50.8807% | 4,681 |
| Assets per employee ($millions) | 10.6890% | 315 |
| Cash dividends to net income (ytd only)* | 87.0984% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,340 |
| Loan loss allowance to noncurrent loans | 52.2679% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 1,142 |
| Noncurrent loans to loans | 1.9615% | 659 |
| Net loans and leases to total assets | 54.6051% | 4,039 |
| Net loans and leases to deposits | 69.6381% | 3,702 |
| Net loans and leases to core deposits | 71.3820% | 3,888 |
| Total domestic deposits to total assets | 78.4127% | 4,295 |
| Equity capital to assets | 9.6552% | 4,217 |
| Core capital (leverage) ratio | 9.8261% | 3,702 |
| Tier 1 risk-based capital ratio | 13.7461% | 3,391 |
| Total risk-based capital ratio | 14.5541% | 3,510 |
| Memoranda: | ||
| Average total assets | $1,581,283,400 | 530 |
| Average earning assets | $1,466,609,000 | 521 |
| Average equity | $156,850,000 | 598 |
| Average total loans | $925,505,000 | 624 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 4,123 |
| Cost of funding earning assets | 0.9325% | 2,074 |
| Net interest margin | 3.1814% | 4,344 |
| Noninterest income to average assets | 3.3156% | 135 |
| Noninterest expense to average assets | 3.0551% | 1,812 |
| Loan and lease loss provision to assets | 0.0666% | 2,552 |
| Net operating income to assets | 2.3081% | 219 |
| Return on assets (ROA) | 2.3691% | 211 |
| Pretax return on assets | 3.2150% | 95 |
| Return on Equity (ROE) | 23.7178% | 116 |
| Retained earnings to average equity (ytd only) | 0.6900% | 4,626 |
| Net charge-offs to loans | 0.2706% | 651 |
| Credit loss provision to net charge-offs | 41.4414% | 2,848 |
| Earnings coverage of net charge-offs (x) | 19.9337% | 1,981 |
| Efficiency ratio | 48.7717% | 4,807 |
| Assets per employee ($millions) | 9.5495% | 399 |
| Cash dividends to net income (ytd only)* | 97.0909% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,486 |
| Loan loss allowance to noncurrent loans | 48.2775% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2253% | 1,026 |
| Noncurrent loans to loans | 2.1016% | 631 |
| Net loans and leases to total assets | 57.7105% | 3,906 |
| Net loans and leases to deposits | 70.0155% | 3,772 |
| Net loans and leases to core deposits | 71.5779% | 3,973 |
| Total domestic deposits to total assets | 82.4253% | 3,346 |
| Equity capital to assets | 10.1829% | 3,841 |
| Core capital (leverage) ratio | 9.6646% | 4,005 |
| Tier 1 risk-based capital ratio | 14.1838% | 3,232 |
| Total risk-based capital ratio | 15.0230% | 3,343 |
| Memoranda: | ||
| Average total assets | $1,565,078,000 | 538 |
| Average earning assets | $1,448,262,250 | 529 |
| Average equity | $156,329,000 | 600 |
| Average total loans | $929,839,000 | 617 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 4,291 |
| Cost of funding earning assets | 0.8812% | 2,237 |
| Net interest margin | 3.1648% | 4,426 |
| Noninterest income to average assets | 4.0353% | 117 |
| Noninterest expense to average assets | 3.0507% | 1,861 |
| Loan and lease loss provision to assets | 0.0876% | 2,091 |
| Net operating income to assets | 2.8024% | 107 |
| Return on assets (ROA) | 2.8469% | 107 |
| Pretax return on assets | 3.8802% | 70 |
| Return on Equity (ROE) | 28.6850% | 50 |
| Retained earnings to average equity (ytd only) | 6.8801% | 1,862 |
| Net charge-offs to loans | 0.1363% | 1,111 |
| Credit loss provision to net charge-offs | 107.5000% | 1,865 |
| Earnings coverage of net charge-offs (x) | 48.0094% | 1,124 |
| Efficiency ratio | 43.7714% | 5,069 |
| Assets per employee ($millions) | 9.7141% | 364 |
| Cash dividends to net income (ytd only)* | 76.0150% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,956 |
| Loan loss allowance to noncurrent loans | 47.5036% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.2907% | 989 |
| Noncurrent loans to loans | 2.3593% | 537 |
| Net loans and leases to total assets | 54.0937% | 4,199 |
| Net loans and leases to deposits | 78.5111% | 3,107 |
| Net loans and leases to core deposits | 81.5401% | 3,296 |
| Total domestic deposits to total assets | 68.8994% | 5,078 |
| Equity capital to assets | 9.5997% | 4,313 |
| Core capital (leverage) ratio | 9.7114% | 3,922 |
| Tier 1 risk-based capital ratio | 15.2563% | 2,731 |
| Total risk-based capital ratio | 16.2424% | 2,766 |
| Memoranda: | ||
| Average total assets | $1,571,099,330 | 536 |
| Average earning assets | $1,452,962,670 | 533 |
| Average equity | $155,928,330 | 597 |
| Average total loans | $939,138,670 | 610 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 4,033 |
| Cost of funding earning assets | 0.7871% | 2,614 |
| Net interest margin | 3.3524% | 4,029 |
| Noninterest income to average assets | 1.8499% | 275 |
| Noninterest expense to average assets | 3.1282% | 1,667 |
| Loan and lease loss provision to assets | 0.1105% | 1,607 |
| Net operating income to assets | 1.2729% | 1,803 |
| Return on assets (ROA) | 1.3218% | 1,662 |
| Pretax return on assets | 1.7357% | 1,123 |
| Return on Equity (ROE) | 13.0810% | 1,187 |
| Retained earnings to average equity (ytd only) | 0.0287% | 4,525 |
| Net charge-offs to loans | 0.2327% | 617 |
| Credit loss provision to net charge-offs | 75.9058% | 1,808 |
| Earnings coverage of net charge-offs (x) | 12.2536% | 1,879 |
| Efficiency ratio | 63.6095% | 3,298 |
| Assets per employee ($millions) | 7.8307% | 711 |
| Cash dividends to net income (ytd only)* | 99.7805% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,248 |
| Loan loss allowance to noncurrent loans | 50.1561% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3017% | 1,004 |
| Noncurrent loans to loans | 2.1490% | 669 |
| Net loans and leases to total assets | 59.9212% | 3,717 |
| Net loans and leases to deposits | 74.5910% | 3,397 |
| Net loans and leases to core deposits | 79.6766% | 3,399 |
| Total domestic deposits to total assets | 80.3330% | 4,111 |
| Equity capital to assets | 9.9231% | 3,900 |
| Core capital (leverage) ratio | 10.2074% | 3,375 |
| Tier 1 risk-based capital ratio | 14.2218% | 3,233 |
| Total risk-based capital ratio | 15.1559% | 3,310 |
| Memoranda: | ||
| Average total assets | $1,516,379,500 | 549 |
| Average earning assets | $1,385,260,500 | 546 |
| Average equity | $153,229,500 | 600 |
| Average total loans | $949,023,500 | 607 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 3,927 |
| Cost of funding earning assets | 0.7321% | 1,887 |
| Net interest margin | 3.3031% | 4,249 |
| Noninterest income to average assets | 2.2255% | 232 |
| Noninterest expense to average assets | 3.4431% | 1,085 |
| Loan and lease loss provision to assets | 0.2228% | 806 |
| Net operating income to assets | 1.1994% | 2,171 |
| Return on assets (ROA) | 1.2165% | 2,096 |
| Pretax return on assets | 1.5978% | 1,476 |
| Return on Equity (ROE) | 12.1132% | 1,677 |
| Retained earnings to average equity (ytd only) | 3.7477% | 3,514 |
| Net charge-offs to loans | 0.1510% | 1,270 |
| Credit loss provision to net charge-offs | 231.3329% | 1,276 |
| Earnings coverage of net charge-offs (x) | 18.6776% | 2,118 |
| Efficiency ratio | 65.6115% | 2,932 |
| Assets per employee ($millions) | 6.8943% | 1,019 |
| Cash dividends to net income (ytd only)* | 69.0608% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,272 |
| Loan loss allowance to noncurrent loans | 61.9249% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.1173% | 1,195 |
| Noncurrent loans to loans | 1.7273% | 835 |
| Net loans and leases to total assets | 63.9962% | 3,360 |
| Net loans and leases to deposits | 78.1034% | 3,153 |
| Net loans and leases to core deposits | 84.1882% | 3,069 |
| Total domestic deposits to total assets | 81.9378% | 3,655 |
| Equity capital to assets | 10.2951% | 3,380 |
| Core capital (leverage) ratio | 9.9742% | 3,613 |
| Tier 1 risk-based capital ratio | 13.2282% | 3,705 |
| Total risk-based capital ratio | 14.1047% | 3,826 |
| Memoranda: | ||
| Average total assets | $1,487,869,200 | 547 |
| Average earning assets | $1,358,737,200 | 542 |
| Average equity | $149,423,400 | 574 |
| Average total loans | $948,742,000 | 586 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 4,088 |
| Cost of funding earning assets | 0.6864% | 1,934 |
| Net interest margin | 3.2603% | 4,384 |
| Noninterest income to average assets | 2.3080% | 229 |
| Noninterest expense to average assets | 3.7377% | 723 |
| Loan and lease loss provision to assets | 0.1845% | 984 |
| Net operating income to assets | 1.0620% | 2,815 |
| Return on assets (ROA) | 1.0831% | 2,746 |
| Pretax return on assets | 1.3982% | 2,235 |
| Return on Equity (ROE) | 10.8527% | 2,234 |
| Retained earnings to average equity (ytd only) | 3.2276% | 4,132 |
| Net charge-offs to loans | 0.1718% | 966 |
| Credit loss provision to net charge-offs | 169.0730% | 1,576 |
| Earnings coverage of net charge-offs (x) | 14.2584% | 2,293 |
| Efficiency ratio | 70.5327% | 2,114 |
| Assets per employee ($millions) | 6.9564% | 952 |
| Cash dividends to net income (ytd only)* | 70.2596% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 3,994 |
| Loan loss allowance to noncurrent loans | 55.2352% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 1,314 |
| Noncurrent loans to loans | 1.7424% | 888 |
| Net loans and leases to total assets | 62.2519% | 3,629 |
| Net loans and leases to deposits | 77.8648% | 3,247 |
| Net loans and leases to core deposits | 85.7533% | 3,015 |
| Total domestic deposits to total assets | 79.9487% | 4,134 |
| Equity capital to assets | 9.7621% | 3,855 |
| Core capital (leverage) ratio | 9.8669% | 3,775 |
| Tier 1 risk-based capital ratio | 13.3842% | 3,689 |
| Total risk-based capital ratio | 14.1976% | 3,842 |
| Memoranda: | ||
| Average total assets | $1,489,268,500 | 542 |
| Average earning assets | $1,363,840,750 | 538 |
| Average equity | $148,628,750 | 571 |
| Average total loans | $946,214,000 | 582 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 4,259 |
| Cost of funding earning assets | 0.6255% | 2,072 |
| Net interest margin | 3.2081% | 4,480 |
| Noninterest income to average assets | 2.4164% | 217 |
| Noninterest expense to average assets | 3.8618% | 634 |
| Loan and lease loss provision to assets | 0.2110% | 795 |
| Net operating income to assets | 1.0002% | 3,020 |
| Return on assets (ROA) | 1.0339% | 2,876 |
| Pretax return on assets | 1.3272% | 2,403 |
| Return on Equity (ROE) | 10.2828% | 2,435 |
| Retained earnings to average equity (ytd only) | 4.2262% | 3,489 |
| Net charge-offs to loans | 0.1023% | 1,330 |
| Credit loss provision to net charge-offs | 323.4440% | 955 |
| Earnings coverage of net charge-offs (x) | 22.9274% | 1,723 |
| Efficiency ratio | 72.0085% | 2,011 |
| Assets per employee ($millions) | 5.3385% | 2,058 |
| Cash dividends to net income (ytd only)* | 58.9005% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,957 |
| Loan loss allowance to noncurrent loans | 47.8750% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.3160% | 1,074 |
| Noncurrent loans to loans | 2.0478% | 721 |
| Net loans and leases to total assets | 63.6329% | 3,438 |
| Net loans and leases to deposits | 83.9965% | 2,537 |
| Net loans and leases to core deposits | 90.9163% | 2,495 |
| Total domestic deposits to total assets | 75.7566% | 4,879 |
| Equity capital to assets | 9.9613% | 3,664 |
| Core capital (leverage) ratio | 9.8908% | 3,691 |
| Tier 1 risk-based capital ratio | 12.7694% | 4,029 |
| Total risk-based capital ratio | 13.5689% | 4,177 |
| Memoranda: | ||
| Average total assets | $1,477,875,670 | 542 |
| Average earning assets | $1,354,751,000 | 539 |
| Average equity | $148,598,000 | 565 |
| Average total loans | $942,422,000 | 589 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6894% | 4,489 |
| Cost of funding earning assets | 0.5515% | 2,395 |
| Net interest margin | 3.1379% | 4,623 |
| Noninterest income to average assets | 2.4421% | 205 |
| Noninterest expense to average assets | 4.1449% | 441 |
| Loan and lease loss provision to assets | 0.1595% | 1,133 |
| Net operating income to assets | 0.8041% | 3,683 |
| Return on assets (ROA) | 0.8765% | 3,398 |
| Pretax return on assets | 1.1061% | 3,151 |
| Return on Equity (ROE) | 8.6758% | 3,074 |
| Retained earnings to average equity (ytd only) | 3.2771% | 3,893 |
| Net charge-offs to loans | -0.0155% | 4,433 |
| Credit loss provision to net charge-offs | -1,625.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8507% | 1,364 |
| Assets per employee ($millions) | 4.7760% | 2,762 |
| Cash dividends to net income (ytd only)* | 62.2278% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 4,259 |
| Loan loss allowance to noncurrent loans | 29.4831% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 2.0574% | 541 |
| Noncurrent loans to loans | 3.1948% | 360 |
| Net loans and leases to total assets | 63.4829% | 3,373 |
| Net loans and leases to deposits | 79.2744% | 2,891 |
| Net loans and leases to core deposits | 90.8479% | 2,385 |
| Total domestic deposits to total assets | 80.0799% | 4,402 |
| Equity capital to assets | 9.9383% | 3,651 |
| Core capital (leverage) ratio | 10.3243% | 3,158 |
| Tier 1 risk-based capital ratio | 12.7504% | 4,091 |
| Total risk-based capital ratio | 13.5227% | 4,288 |
| Memoranda: | ||
| Average total assets | $1,466,759,500 | 549 |
| Average earning assets | $1,344,727,500 | 550 |
| Average equity | $148,182,000 | 567 |
| Average total loans | $931,626,500 | 598 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,443 |
| Cost of funding earning assets | 0.5120% | 2,233 |
| Net interest margin | 3.1423% | 4,596 |
| Noninterest income to average assets | 2.1830% | 260 |
| Noninterest expense to average assets | 3.6636% | 835 |
| Loan and lease loss provision to assets | 0.1913% | 1,096 |
| Net operating income to assets | 1.0072% | 2,211 |
| Return on assets (ROA) | 1.0456% | 2,103 |
| Pretax return on assets | 1.2087% | 2,739 |
| Return on Equity (ROE) | 10.5656% | 1,653 |
| Retained earnings to average equity (ytd only) | 3.2971% | 3,326 |
| Net charge-offs to loans | 0.4442% | 544 |
| Credit loss provision to net charge-offs | 68.5567% | 3,107 |
| Earnings coverage of net charge-offs (x) | 4.8581% | 3,404 |
| Efficiency ratio | 72.9012% | 2,079 |
| Assets per employee ($millions) | 4.3346% | 3,437 |
| Cash dividends to net income (ytd only)* | 68.7938% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 4,364 |
| Loan loss allowance to noncurrent loans | 26.9382% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 2.1710% | 491 |
| Noncurrent loans to loans | 3.4224% | 302 |
| Net loans and leases to total assets | 62.3468% | 3,572 |
| Net loans and leases to deposits | 82.9871% | 2,615 |
| Net loans and leases to core deposits | 89.8403% | 2,580 |
| Total domestic deposits to total assets | 75.1282% | 5,082 |
| Equity capital to assets | 10.2723% | 3,413 |
| Core capital (leverage) ratio | 10.0508% | 3,389 |
| Tier 1 risk-based capital ratio | 12.8936% | 3,976 |
| Total risk-based capital ratio | 13.6306% | 4,190 |
| Memoranda: | ||
| Average total assets | $1,459,691,200 | 534 |
| Average earning assets | $1,317,621,200 | 539 |
| Average equity | $144,459,200 | 559 |
| Average total loans | $917,072,000 | 579 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 4,478 |
| Cost of funding earning assets | 0.4891% | 2,362 |
| Net interest margin | 3.1457% | 4,587 |
| Noninterest income to average assets | 2.2133% | 269 |
| Noninterest expense to average assets | 4.1416% | 434 |
| Loan and lease loss provision to assets | 0.2703% | 609 |
| Net operating income to assets | 0.5357% | 4,635 |
| Return on assets (ROA) | 0.5680% | 4,552 |
| Pretax return on assets | 0.6715% | 4,674 |
| Return on Equity (ROE) | 5.7938% | 4,212 |
| Retained earnings to average equity (ytd only) | 1.6129% | 4,781 |
| Net charge-offs to loans | 0.3081% | 683 |
| Credit loss provision to net charge-offs | 139.6893% | 1,779 |
| Earnings coverage of net charge-offs (x) | 4.6709% | 3,193 |
| Efficiency ratio | 82.0018% | 917 |
| Assets per employee ($millions) | 4.3647% | 3,363 |
| Cash dividends to net income (ytd only)* | 72.1616% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 3,046 |
| Loan loss allowance to noncurrent loans | 29.3421% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 2.4371% | 460 |
| Noncurrent loans to loans | 4.0139% | 243 |
| Net loans and leases to total assets | 59.5314% | 3,917 |
| Net loans and leases to deposits | 77.3010% | 3,242 |
| Net loans and leases to core deposits | 88.2976% | 2,739 |
| Total domestic deposits to total assets | 77.0124% | 4,891 |
| Equity capital to assets | 9.7952% | 4,157 |
| Core capital (leverage) ratio | 9.6306% | 4,008 |
| Tier 1 risk-based capital ratio | 12.8928% | 4,087 |
| Total risk-based capital ratio | 13.8282% | 4,176 |
| Memoranda: | ||
| Average total assets | $1,463,759,250 | 532 |
| Average earning assets | $1,317,765,750 | 540 |
| Average equity | $143,505,750 | 568 |
| Average total loans | $919,265,250 | 579 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5715% | 4,589 |
| Cost of funding earning assets | 0.4298% | 2,803 |
| Net interest margin | 3.1417% | 4,570 |
| Noninterest income to average assets | 2.4072% | 241 |
| Noninterest expense to average assets | 4.2290% | 403 |
| Loan and lease loss provision to assets | 0.1277% | 1,627 |
| Net operating income to assets | 0.7265% | 3,730 |
| Return on assets (ROA) | 0.7587% | 3,645 |
| Pretax return on assets | 0.9214% | 3,864 |
| Return on Equity (ROE) | 7.7369% | 3,176 |
| Retained earnings to average equity (ytd only) | 1.4445% | 4,670 |
| Net charge-offs to loans | 0.0558% | 2,135 |
| Credit loss provision to net charge-offs | 359.4595% | 852 |
| Earnings coverage of net charge-offs (x) | 28.4286% | 1,505 |
| Efficiency ratio | 80.6398% | 1,141 |
| Assets per employee ($millions) | 4.1190% | 3,750 |
| Cash dividends to net income (ytd only)* | 81.3302% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,462 |
| Loan loss allowance to noncurrent loans | 26.4097% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 2.7482% | 360 |
| Noncurrent loans to loans | 4.2446% | 208 |
| Net loans and leases to total assets | 63.1856% | 3,493 |
| Net loans and leases to deposits | 77.3034% | 3,187 |
| Net loans and leases to core deposits | 88.1659% | 2,687 |
| Total domestic deposits to total assets | 81.7372% | 3,963 |
| Equity capital to assets | 9.9617% | 3,955 |
| Core capital (leverage) ratio | 9.6557% | 3,958 |
| Tier 1 risk-based capital ratio | 12.2650% | 4,448 |
| Total risk-based capital ratio | 13.1649% | 4,586 |
| Memoranda: | ||
| Average total assets | $1,458,463,330 | 534 |
| Average earning assets | $1,314,459,330 | 542 |
| Average equity | $143,029,670 | 568 |
| Average total loans | $928,569,670 | 577 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5065% | 4,675 |
| Cost of funding earning assets | 0.3941% | 3,049 |
| Net interest margin | 3.1124% | 4,621 |
| Noninterest income to average assets | 2.4692% | 237 |
| Noninterest expense to average assets | 4.2136% | 423 |
| Loan and lease loss provision to assets | 0.3466% | 346 |
| Net operating income to assets | 0.5581% | 4,337 |
| Return on assets (ROA) | 0.5607% | 4,373 |
| Pretax return on assets | 0.7101% | 4,419 |
| Return on Equity (ROE) | 5.7616% | 4,018 |
| Retained earnings to average equity (ytd only) | 0.1569% | 4,880 |
| Net charge-offs to loans | 0.0875% | 1,468 |
| Credit loss provision to net charge-offs | 623.0392% | 502 |
| Earnings coverage of net charge-offs (x) | 18.9363% | 1,552 |
| Efficiency ratio | 79.9120% | 1,396 |
| Assets per employee ($millions) | 3.8917% | 4,198 |
| Cash dividends to net income (ytd only)* | 97.2763% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 3,289 |
| Loan loss allowance to noncurrent loans | 29.5641% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.5494% | 445 |
| Noncurrent loans to loans | 3.9705% | 263 |
| Net loans and leases to total assets | 62.8596% | 3,418 |
| Net loans and leases to deposits | 74.4240% | 3,361 |
| Net loans and leases to core deposits | 81.7070% | 3,118 |
| Total domestic deposits to total assets | 84.4615% | 3,305 |
| Equity capital to assets | 9.9359% | 3,834 |
| Core capital (leverage) ratio | 9.6302% | 3,956 |
| Tier 1 risk-based capital ratio | 12.2864% | 4,515 |
| Total risk-based capital ratio | 13.2311% | 4,629 |
| Memoranda: | ||
| Average total assets | $1,466,867,500 | 532 |
| Average earning assets | $1,318,576,500 | 540 |
| Average equity | $142,737,500 | 562 |
| Average total loans | $932,231,500 | 582 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5277% | 4,711 |
| Cost of funding earning assets | 0.4067% | 2,938 |
| Net interest margin | 3.1210% | 4,670 |
| Noninterest income to average assets | 2.9293% | 212 |
| Noninterest expense to average assets | 4.2702% | 457 |
| Loan and lease loss provision to assets | -0.0238% | 5,528 |
| Net operating income to assets | 1.0142% | 2,289 |
| Return on assets (ROA) | 1.0925% | 2,028 |
| Pretax return on assets | 1.6161% | 1,230 |
| Return on Equity (ROE) | 11.3305% | 1,457 |
| Retained earnings to average equity (ytd only) | 1.6969% | 4,566 |
| Net charge-offs to loans | 0.0186% | 3,690 |
| Credit loss provision to net charge-offs | -195.6284% | 4,996 |
| Earnings coverage of net charge-offs (x) | 121.6612% | 501 |
| Efficiency ratio | 74.2165% | 2,258 |
| Assets per employee ($millions) | 4.0153% | 3,940 |
| Cash dividends to net income (ytd only)* | 85.0237% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 4,224 |
| Loan loss allowance to noncurrent loans | 26.3668% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.4878% | 480 |
| Noncurrent loans to loans | 3.8503% | 287 |
| Net loans and leases to total assets | 62.8564% | 3,494 |
| Net loans and leases to deposits | 76.4733% | 3,264 |
| Net loans and leases to core deposits | 83.6923% | 3,053 |
| Total domestic deposits to total assets | 82.1939% | 4,015 |
| Equity capital to assets | 9.5340% | 4,236 |
| Core capital (leverage) ratio | 9.4143% | 4,207 |
| Tier 1 risk-based capital ratio | 11.9347% | 4,775 |
| Total risk-based capital ratio | 12.7578% | 4,952 |
| Memoranda: | ||
| Average total assets | $1,507,209,400 | 508 |
| Average earning assets | $1,360,961,400 | 507 |
| Average equity | $145,324,200 | 543 |
| Average total loans | $986,239,400 | 518 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 4,728 |
| Cost of funding earning assets | 0.4158% | 2,879 |
| Net interest margin | 3.1164% | 4,730 |
| Noninterest income to average assets | 3.0629% | 203 |
| Noninterest expense to average assets | 3.9159% | 658 |
| Loan and lease loss provision to assets | 0.0155% | 3,933 |
| Net operating income to assets | 1.2900% | 1,322 |
| Return on assets (ROA) | 1.3831% | 1,158 |
| Pretax return on assets | 2.0942% | 474 |
| Return on Equity (ROE) | 14.3052% | 767 |
| Retained earnings to average equity (ytd only) | 3.3434% | 3,894 |
| Net charge-offs to loans | 0.0247% | 3,174 |
| Credit loss provision to net charge-offs | 95.6522% | 2,445 |
| Earnings coverage of net charge-offs (x) | 121.1345% | 569 |
| Efficiency ratio | 66.4645% | 3,507 |
| Assets per employee ($millions) | 4.5560% | 2,993 |
| Cash dividends to net income (ytd only)* | 76.6283% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 4,109 |
| Loan loss allowance to noncurrent loans | 47.6320% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.5356% | 1,153 |
| Noncurrent loans to loans | 2.2081% | 846 |
| Net loans and leases to total assets | 66.1556% | 3,098 |
| Net loans and leases to deposits | 81.0231% | 2,848 |
| Net loans and leases to core deposits | 95.4087% | 2,060 |
| Total domestic deposits to total assets | 81.6503% | 4,056 |
| Equity capital to assets | 10.1620% | 3,964 |
| Core capital (leverage) ratio | 9.5143% | 4,160 |
| Tier 1 risk-based capital ratio | 11.6521% | 5,011 |
| Total risk-based capital ratio | 12.4910% | 5,135 |
| Memoranda: | ||
| Average total assets | $1,509,587,500 | 509 |
| Average earning assets | $1,366,744,500 | 510 |
| Average equity | $145,957,500 | 546 |
| Average total loans | $995,036,000 | 512 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4942% | 4,882 |
| Cost of funding earning assets | 0.4176% | 2,859 |
| Net interest margin | 3.0766% | 4,899 |
| Noninterest income to average assets | 3.2012% | 187 |
| Noninterest expense to average assets | 3.9378% | 644 |
| Loan and lease loss provision to assets | 0.1254% | 1,819 |
| Net operating income to assets | 1.2504% | 1,421 |
| Return on assets (ROA) | 1.3790% | 1,163 |
| Pretax return on assets | 2.1271% | 441 |
| Return on Equity (ROE) | 14.4955% | 746 |
| Retained earnings to average equity (ytd only) | 3.5016% | 3,670 |
| Net charge-offs to loans | 0.0163% | 3,189 |
| Credit loss provision to net charge-offs | 1,169.5122% | 328 |
| Earnings coverage of net charge-offs (x) | 191.6707% | 340 |
| Efficiency ratio | 65.6311% | 3,742 |
| Assets per employee ($millions) | 4.2463% | 3,472 |
| Cash dividends to net income (ytd only)* | 75.8438% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 3,856 |
| Loan loss allowance to noncurrent loans | 48.0161% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.5952% | 1,162 |
| Noncurrent loans to loans | 2.3273% | 777 |
| Net loans and leases to total assets | 66.4969% | 3,010 |
| Net loans and leases to deposits | 84.4702% | 2,411 |
| Net loans and leases to core deposits | 101.0327% | 1,557 |
| Total domestic deposits to total assets | 78.7223% | 4,844 |
| Equity capital to assets | 9.9866% | 4,243 |
| Core capital (leverage) ratio | 9.6011% | 4,069 |
| Tier 1 risk-based capital ratio | 11.5798% | 5,103 |
| Total risk-based capital ratio | 12.4937% | 5,204 |
| Memoranda: | ||
| Average total assets | $1,529,851,330 | 503 |
| Average earning assets | $1,387,977,000 | 502 |
| Average equity | $145,534,670 | 545 |
| Average total loans | $1,003,832,000 | 511 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4321% | 5,041 |
| Cost of funding earning assets | 0.4005% | 3,058 |
| Net interest margin | 3.0316% | 5,040 |
| Noninterest income to average assets | 3.3596% | 176 |
| Noninterest expense to average assets | 3.8381% | 733 |
| Loan and lease loss provision to assets | 0.0223% | 3,392 |
| Net operating income to assets | 1.4472% | 950 |
| Return on assets (ROA) | 1.5591% | 807 |
| Pretax return on assets | 2.4377% | 263 |
| Return on Equity (ROE) | 16.7846% | 459 |
| Retained earnings to average equity (ytd only) | 5.7294% | 2,507 |
| Net charge-offs to loans | 0.0071% | 2,879 |
| Credit loss provision to net charge-offs | 483.3333% | 630 |
| Earnings coverage of net charge-offs (x) | 494.5000% | 113 |
| Efficiency ratio | 62.6053% | 4,357 |
| Assets per employee ($millions) | 4.2700% | 3,453 |
| Cash dividends to net income (ytd only)* | 65.8653% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 4,472 |
| Loan loss allowance to noncurrent loans | 83.4146% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.8593% | 2,545 |
| Noncurrent loans to loans | 1.2286% | 1,966 |
| Net loans and leases to total assets | 66.1435% | 2,926 |
| Net loans and leases to deposits | 86.6199% | 1,999 |
| Net loans and leases to core deposits | 102.4279% | 1,303 |
| Total domestic deposits to total assets | 76.3606% | 5,374 |
| Equity capital to assets | 9.7762% | 4,370 |
| Core capital (leverage) ratio | 9.5266% | 4,141 |
| Tier 1 risk-based capital ratio | 11.2879% | 5,349 |
| Total risk-based capital ratio | 12.1109% | 5,478 |
| Memoranda: | ||
| Average total assets | $1,558,046,500 | 490 |
| Average earning assets | $1,420,368,000 | 487 |
| Average equity | $144,728,000 | 544 |
| Average total loans | $1,010,308,500 | 501 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5721% | 4,744 |
| Cost of funding earning assets | 0.4057% | 3,092 |
| Net interest margin | 3.1663% | 4,729 |
| Noninterest income to average assets | 3.1349% | 194 |
| Noninterest expense to average assets | 4.0649% | 618 |
| Loan and lease loss provision to assets | 0.0851% | 2,592 |
| Net operating income to assets | 1.3777% | 1,077 |
| Return on assets (ROA) | 1.4279% | 1,021 |
| Pretax return on assets | 1.9256% | 634 |
| Return on Equity (ROE) | 14.9628% | 689 |
| Retained earnings to average equity (ytd only) | 3.8256% | 3,317 |
| Net charge-offs to loans | 0.0484% | 3,235 |
| Credit loss provision to net charge-offs | 261.9632% | 1,101 |
| Earnings coverage of net charge-offs (x) | 59.8180% | 870 |
| Efficiency ratio | 67.5722% | 3,648 |
| Assets per employee ($millions) | 4.0232% | 3,903 |
| Cash dividends to net income (ytd only)* | 74.4325% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 4,612 |
| Loan loss allowance to noncurrent loans | 109.1065% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 3,207 |
| Noncurrent loans to loans | 0.9171% | 2,508 |
| Net loans and leases to total assets | 62.3758% | 3,506 |
| Net loans and leases to deposits | 83.4372% | 2,430 |
| Net loans and leases to core deposits | 97.7951% | 1,689 |
| Total domestic deposits to total assets | 74.7578% | 5,575 |
| Equity capital to assets | 8.8376% | 5,274 |
| Core capital (leverage) ratio | 9.0753% | 4,789 |
| Tier 1 risk-based capital ratio | 11.1046% | 5,468 |
| Total risk-based capital ratio | 11.9176% | 5,608 |
| Memoranda: | ||
| Average total assets | $1,505,468,400 | 473 |
| Average earning assets | $1,365,992,400 | 472 |
| Average equity | $143,662,600 | 525 |
| Average total loans | $1,010,476,400 | 478 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 4,632 |
| Cost of funding earning assets | 0.4168% | 3,045 |
| Net interest margin | 3.2172% | 4,623 |
| Noninterest income to average assets | 3.3443% | 186 |
| Noninterest expense to average assets | 4.1374% | 570 |
| Loan and lease loss provision to assets | 0.0528% | 3,141 |
| Net operating income to assets | 1.5558% | 840 |
| Return on assets (ROA) | 1.6160% | 771 |
| Pretax return on assets | 2.1498% | 460 |
| Return on Equity (ROE) | 16.5989% | 522 |
| Retained earnings to average equity (ytd only) | 11.0375% | 471 |
| Net charge-offs to loans | 0.0722% | 2,530 |
| Credit loss provision to net charge-offs | 107.1429% | 2,153 |
| Earnings coverage of net charge-offs (x) | 43.0752% | 1,164 |
| Efficiency ratio | 66.0074% | 3,889 |
| Assets per employee ($millions) | 3.2496% | 5,219 |
| Cash dividends to net income (ytd only)* | 33.5046% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 5,131 |
| Loan loss allowance to noncurrent loans | 119.2599% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 3,510 |
| Noncurrent loans to loans | 0.7701% | 3,038 |
| Net loans and leases to total assets | 70.4479% | 2,322 |
| Net loans and leases to deposits | 90.8763% | 1,542 |
| Net loans and leases to core deposits | 102.6509% | 1,332 |
| Total domestic deposits to total assets | 77.5207% | 5,257 |
| Equity capital to assets | 10.3750% | 3,729 |
| Core capital (leverage) ratio | 9.9217% | 3,743 |
| Tier 1 risk-based capital ratio | 11.0636% | 5,626 |
| Total risk-based capital ratio | 11.7752% | 5,803 |
| Memoranda: | ||
| Average total assets | $1,477,505,000 | 486 |
| Average earning assets | $1,338,935,000 | 484 |
| Average equity | $143,845,000 | 528 |
| Average total loans | $1,008,342,250 | 479 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5560% | 4,845 |
| Cost of funding earning assets | 0.4178% | 3,060 |
| Net interest margin | 3.1382% | 4,861 |
| Noninterest income to average assets | 3.4839% | 184 |
| Noninterest expense to average assets | 4.0068% | 670 |
| Loan and lease loss provision to assets | 0.0483% | 3,155 |
| Net operating income to assets | 1.7312% | 593 |
| Return on assets (ROA) | 1.8053% | 533 |
| Pretax return on assets | 2.3683% | 304 |
| Return on Equity (ROE) | 18.9458% | 339 |
| Retained earnings to average equity (ytd only) | 10.4822% | 586 |
| Net charge-offs to loans | 0.1080% | 1,913 |
| Credit loss provision to net charge-offs | 66.3586% | 2,521 |
| Earnings coverage of net charge-offs (x) | 31.8928% | 1,318 |
| Efficiency ratio | 63.2500% | 4,474 |
| Assets per employee ($millions) | 3.5685% | 4,682 |
| Cash dividends to net income (ytd only)* | 44.6728% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 5,278 |
| Loan loss allowance to noncurrent loans | 200.7838% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 4,554 |
| Noncurrent loans to loans | 0.4514% | 4,117 |
| Net loans and leases to total assets | 65.3982% | 3,067 |
| Net loans and leases to deposits | 88.0562% | 1,831 |
| Net loans and leases to core deposits | 101.8665% | 1,339 |
| Total domestic deposits to total assets | 74.2686% | 5,760 |
| Equity capital to assets | 9.4154% | 4,761 |
| Core capital (leverage) ratio | 9.7063% | 3,992 |
| Tier 1 risk-based capital ratio | 10.5137% | 5,918 |
| Total risk-based capital ratio | 11.1941% | 6,061 |
| Memoranda: | ||
| Average total assets | $1,487,985,000 | 483 |
| Average earning assets | $1,347,540,670 | 482 |
| Average equity | $141,783,670 | 536 |
| Average total loans | $1,001,734,670 | 478 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 4,811 |
| Cost of funding earning assets | 0.4385% | 2,893 |
| Net interest margin | 3.1176% | 4,893 |
| Noninterest income to average assets | 3.7800% | 172 |
| Noninterest expense to average assets | 4.0023% | 693 |
| Loan and lease loss provision to assets | 0.0600% | 2,728 |
| Net operating income to assets | 1.6545% | 654 |
| Return on assets (ROA) | 1.6466% | 689 |
| Pretax return on assets | 2.5415% | 226 |
| Return on Equity (ROE) | 17.1733% | 457 |
| Retained earnings to average equity (ytd only) | 8.6080% | 1,339 |
| Net charge-offs to loans | 0.0994% | 1,732 |
| Credit loss provision to net charge-offs | 88.6640% | 1,754 |
| Earnings coverage of net charge-offs (x) | 38.6518% | 997 |
| Efficiency ratio | 60.4088% | 5,038 |
| Assets per employee ($millions) | 3.5792% | 4,761 |
| Cash dividends to net income (ytd only)* | 49.8753% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 5,247 |
| Loan loss allowance to noncurrent loans | 231.1637% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 4,649 |
| Noncurrent loans to loans | 0.4110% | 4,354 |
| Net loans and leases to total assets | 69.1359% | 2,260 |
| Net loans and leases to deposits | 83.8221% | 2,104 |
| Net loans and leases to core deposits | 91.0327% | 2,028 |
| Total domestic deposits to total assets | 82.4794% | 4,360 |
| Equity capital to assets | 10.0327% | 4,114 |
| Core capital (leverage) ratio | 9.4783% | 4,313 |
| Tier 1 risk-based capital ratio | 10.8287% | 5,889 |
| Total risk-based capital ratio | 11.5585% | 6,024 |
| Memoranda: | ||
| Average total assets | $1,461,173,000 | 488 |
| Average earning assets | $1,329,101,500 | 491 |
| Average equity | $140,101,500 | 540 |
| Average total loans | $993,899,000 | 479 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 4,421 |
| Cost of funding earning assets | 0.5304% | 2,385 |
| Net interest margin | 3.2913% | 4,611 |
| Noninterest income to average assets | 2.8306% | 206 |
| Noninterest expense to average assets | 3.9583% | 794 |
| Loan and lease loss provision to assets | 0.3929% | 457 |
| Net operating income to assets | 1.1167% | 1,919 |
| Return on assets (ROA) | 1.1272% | 1,932 |
| Pretax return on assets | 1.4623% | 1,681 |
| Return on Equity (ROE) | 11.9319% | 1,430 |
| Retained earnings to average equity (ytd only) | 2.1718% | 4,694 |
| Net charge-offs to loans | 0.6743% | 559 |
| Credit loss provision to net charge-offs | 86.4368% | 2,728 |
| Earnings coverage of net charge-offs (x) | 4.0513% | 3,747 |
| Efficiency ratio | 68.1060% | 3,884 |
| Assets per employee ($millions) | 3.7999% | 4,344 |
| Cash dividends to net income (ytd only)* | 81.7985% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 5,338 |
| Loan loss allowance to noncurrent loans | 264.8268% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 4,956 |
| Noncurrent loans to loans | 0.3547% | 4,593 |
| Net loans and leases to total assets | 65.7306% | 2,939 |
| Net loans and leases to deposits | 81.8217% | 2,499 |
| Net loans and leases to core deposits | 88.5441% | 2,442 |
| Total domestic deposits to total assets | 80.3339% | 4,932 |
| Equity capital to assets | 9.1718% | 5,105 |
| Core capital (leverage) ratio | 9.4965% | 4,245 |
| Tier 1 risk-based capital ratio | 11.1535% | 5,840 |
| Total risk-based capital ratio | 11.9241% | 5,973 |
| Memoranda: | ||
| Average total assets | $1,435,456,000 | 492 |
| Average earning assets | $1,294,980,000 | 486 |
| Average equity | $135,602,600 | 534 |
| Average total loans | $967,598,800 | 469 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 4,302 |
| Cost of funding earning assets | 0.5530% | 2,260 |
| Net interest margin | 3.3120% | 4,561 |
| Noninterest income to average assets | 2.7693% | 211 |
| Noninterest expense to average assets | 3.9130% | 827 |
| Loan and lease loss provision to assets | 0.4986% | 299 |
| Net operating income to assets | 1.0261% | 2,338 |
| Return on assets (ROA) | 1.0346% | 2,364 |
| Pretax return on assets | 1.3504% | 2,195 |
| Return on Equity (ROE) | 10.8680% | 1,847 |
| Retained earnings to average equity (ytd only) | 3.2237% | 4,338 |
| Net charge-offs to loans | 0.8960% | 365 |
| Credit loss provision to net charge-offs | 82.2215% | 2,553 |
| Earnings coverage of net charge-offs (x) | 3.0306% | 3,760 |
| Efficiency ratio | 67.8833% | 3,879 |
| Assets per employee ($millions) | 3.4993% | 4,861 |
| Cash dividends to net income (ytd only)* | 70.3374% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 5,478 |
| Loan loss allowance to noncurrent loans | 148.6425% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 4,421 |
| Noncurrent loans to loans | 0.6303% | 4,037 |
| Net loans and leases to total assets | 69.5850% | 2,259 |
| Net loans and leases to deposits | 91.6276% | 1,266 |
| Net loans and leases to core deposits | 101.2340% | 1,270 |
| Total domestic deposits to total assets | 75.9433% | 5,821 |
| Equity capital to assets | 9.9933% | 4,175 |
| Core capital (leverage) ratio | 9.8206% | 3,913 |
| Tier 1 risk-based capital ratio | 11.7447% | 5,645 |
| Total risk-based capital ratio | 12.5304% | 5,829 |
| Memoranda: | ||
| Average total assets | $1,417,176,500 | 491 |
| Average earning assets | $1,275,832,000 | 492 |
| Average equity | $134,912,250 | 537 |
| Average total loans | $959,249,000 | 467 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8587% | 4,301 |
| Cost of funding earning assets | 0.5511% | 2,340 |
| Net interest margin | 3.3077% | 4,555 |
| Noninterest income to average assets | 2.8037% | 202 |
| Noninterest expense to average assets | 3.7942% | 979 |
| Loan and lease loss provision to assets | 0.7638% | 171 |
| Net operating income to assets | 0.8961% | 2,834 |
| Return on assets (ROA) | 0.9136% | 2,839 |
| Pretax return on assets | 1.2381% | 2,508 |
| Return on Equity (ROE) | 9.7541% | 2,260 |
| Retained earnings to average equity (ytd only) | 1.9176% | 4,923 |
| Net charge-offs to loans | 1.3203% | 226 |
| Credit loss provision to net charge-offs | 86.5311% | 2,237 |
| Earnings coverage of net charge-offs (x) | 2.2413% | 3,594 |
| Efficiency ratio | 65.5430% | 4,434 |
| Assets per employee ($millions) | 3.6572% | 4,538 |
| Cash dividends to net income (ytd only)* | 80.3407% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 5,484 |
| Loan loss allowance to noncurrent loans | 165.1102% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 4,632 |
| Noncurrent loans to loans | 0.5875% | 4,262 |
| Net loans and leases to total assets | 69.1773% | 2,202 |
| Net loans and leases to deposits | 96.2182% | 788 |
| Net loans and leases to core deposits | 104.5792% | 980 |
| Total domestic deposits to total assets | 71.8963% | 6,257 |
| Equity capital to assets | 9.7915% | 4,371 |
| Core capital (leverage) ratio | 9.7811% | 3,916 |
| Tier 1 risk-based capital ratio | 11.5950% | 5,748 |
| Total risk-based capital ratio | 12.4077% | 5,919 |
| Memoranda: | ||
| Average total assets | $1,426,488,330 | 480 |
| Average earning assets | $1,280,423,330 | 492 |
| Average equity | $133,606,000 | 543 |
| Average total loans | $953,716,330 | 463 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9109% | 4,036 |
| Cost of funding earning assets | 0.5672% | 2,268 |
| Net interest margin | 3.3437% | 4,357 |
| Noninterest income to average assets | 2.7686% | 207 |
| Noninterest expense to average assets | 3.6930% | 1,142 |
| Loan and lease loss provision to assets | 1.3136% | 79 |
| Net operating income to assets | 0.6241% | 4,073 |
| Return on assets (ROA) | 0.6600% | 3,986 |
| Pretax return on assets | 0.8058% | 4,086 |
| Return on Equity (ROE) | 7.2047% | 3,350 |
| Retained earnings to average equity (ytd only) | -8.6359% | 6,311 |
| Net charge-offs to loans | 2.6227% | 87 |
| Credit loss provision to net charge-offs | 76.5713% | 1,937 |
| Earnings coverage of net charge-offs (x) | 1.2099% | 3,144 |
| Efficiency ratio | 63.7644% | 4,897 |
| Assets per employee ($millions) | 3.7390% | 4,450 |
| Cash dividends to net income (ytd only)* | 219.8656% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 5,714 |
| Loan loss allowance to noncurrent loans | 114.3615% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 4,152 |
| Noncurrent loans to loans | 0.8280% | 3,813 |
| Net loans and leases to total assets | 68.6952% | 2,115 |
| Net loans and leases to deposits | 86.6828% | 1,509 |
| Net loans and leases to core deposits | 94.6084% | 1,500 |
| Total domestic deposits to total assets | 79.2490% | 5,642 |
| Equity capital to assets | 9.7808% | 4,132 |
| Core capital (leverage) ratio | 9.1162% | 4,844 |
| Tier 1 risk-based capital ratio | 11.8070% | 5,758 |
| Total risk-based capital ratio | 12.6075% | 5,940 |
| Memoranda: | ||
| Average total assets | $1,443,036,500 | 475 |
| Average earning assets | $1,294,749,500 | 482 |
| Average equity | $132,192,000 | 549 |
| Average total loans | $943,898,500 | 465 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6811% | 5,191 |
| Cost of funding earning assets | 0.6954% | 1,849 |
| Net interest margin | 2.9857% | 5,609 |
| Noninterest income to average assets | 2.3887% | 299 |
| Noninterest expense to average assets | 3.7926% | 1,149 |
| Loan and lease loss provision to assets | 0.1530% | 2,364 |
| Net operating income to assets | 0.9160% | 2,701 |
| Return on assets (ROA) | 0.9658% | 2,555 |
| Pretax return on assets | 1.1959% | 2,598 |
| Return on Equity (ROE) | 10.6718% | 1,872 |
| Retained earnings to average equity (ytd only) | 0.2326% | 5,741 |
| Net charge-offs to loans | 0.1331% | 3,470 |
| Credit loss provision to net charge-offs | 192.1186% | 1,190 |
| Earnings coverage of net charge-offs (x) | 16.1686% | 1,821 |
| Efficiency ratio | 74.4467% | 3,053 |
| Assets per employee ($millions) | 4.2543% | 3,346 |
| Cash dividends to net income (ytd only)* | 97.8200% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 5,244 |
| Loan loss allowance to noncurrent loans | 65.8276% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 3,048 |
| Noncurrent loans to loans | 1.6403% | 2,446 |
| Net loans and leases to total assets | 61.2968% | 3,482 |
| Net loans and leases to deposits | 84.5761% | 1,855 |
| Net loans and leases to core deposits | 90.4205% | 1,977 |
| Total domestic deposits to total assets | 72.4752% | 6,388 |
| Equity capital to assets | 8.6187% | 5,463 |
| Core capital (leverage) ratio | 8.7653% | 5,339 |
| Tier 1 risk-based capital ratio | 11.3971% | 5,966 |
| Total risk-based capital ratio | 12.2964% | 6,095 |
| Memoranda: | ||
| Average total assets | $1,481,910,600 | 457 |
| Average earning assets | $1,335,855,600 | 462 |
| Average equity | $134,110,400 | 539 |
| Average total loans | $886,247,600 | 472 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6782% | 5,228 |
| Cost of funding earning assets | 0.7256% | 1,769 |
| Net interest margin | 2.9527% | 5,694 |
| Noninterest income to average assets | 2.3610% | 323 |
| Noninterest expense to average assets | 3.7790% | 1,107 |
| Loan and lease loss provision to assets | 0.2170% | 1,680 |
| Net operating income to assets | 0.7802% | 3,458 |
| Return on assets (ROA) | 0.8453% | 3,239 |
| Pretax return on assets | 1.1252% | 3,000 |
| Return on Equity (ROE) | 9.2252% | 2,528 |
| Retained earnings to average equity (ytd only) | -1.6828% | 6,228 |
| Net charge-offs to loans | 0.0867% | 3,713 |
| Credit loss provision to net charge-offs | 422.6549% | 628 |
| Earnings coverage of net charge-offs (x) | 24.4550% | 1,423 |
| Efficiency ratio | 74.8660% | 2,931 |
| Assets per employee ($millions) | 3.0992% | 5,675 |
| Cash dividends to net income (ytd only)* | 118.2414% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 4,555 |
| Loan loss allowance to noncurrent loans | 55.7491% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 1.4644% | 2,746 |
| Noncurrent loans to loans | 2.2732% | 1,929 |
| Net loans and leases to total assets | 59.8119% | 3,726 |
| Net loans and leases to deposits | 76.9183% | 2,830 |
| Net loans and leases to core deposits | 86.3620% | 2,367 |
| Total domestic deposits to total assets | 77.7603% | 5,939 |
| Equity capital to assets | 9.0869% | 5,074 |
| Core capital (leverage) ratio | 8.8262% | 5,369 |
| Tier 1 risk-based capital ratio | 11.9484% | 5,807 |
| Total risk-based capital ratio | 12.9713% | 5,897 |
| Memoranda: | ||
| Average total assets | $1,467,376,000 | 463 |
| Average earning assets | $1,328,607,250 | 468 |
| Average equity | $134,455,000 | 540 |
| Average total loans | $869,233,500 | 480 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 5,212 |
| Cost of funding earning assets | 0.7449% | 1,738 |
| Net interest margin | 2.9352% | 5,713 |
| Noninterest income to average assets | 2.2233% | 381 |
| Noninterest expense to average assets | 3.7936% | 1,106 |
| Loan and lease loss provision to assets | 0.0158% | 4,577 |
| Net operating income to assets | 0.7911% | 3,341 |
| Return on assets (ROA) | 0.8889% | 3,000 |
| Pretax return on assets | 1.2019% | 2,668 |
| Return on Equity (ROE) | 9.6747% | 2,333 |
| Retained earnings to average equity (ytd only) | -6.5357% | 6,549 |
| Net charge-offs to loans | 0.1096% | 3,263 |
| Credit loss provision to net charge-offs | 24.5798% | 3,667 |
| Earnings coverage of net charge-offs (x) | 16.8445% | 1,636 |
| Efficiency ratio | 77.5453% | 2,536 |
| Assets per employee ($millions) | 3.7247% | 4,362 |
| Cash dividends to net income (ytd only)* | 167.5552% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 5,826 |
| Loan loss allowance to noncurrent loans | 92.1556% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 4,463 |
| Noncurrent loans to loans | 1.0842% | 3,763 |
| Net loans and leases to total assets | 58.0383% | 3,980 |
| Net loans and leases to deposits | 78.1880% | 2,546 |
| Net loans and leases to core deposits | 88.3383% | 2,074 |
| Total domestic deposits to total assets | 74.2292% | 6,426 |
| Equity capital to assets | 8.5123% | 5,750 |
| Core capital (leverage) ratio | 8.6296% | 5,521 |
| Tier 1 risk-based capital ratio | 10.6936% | 6,448 |
| Total risk-based capital ratio | 11.4428% | 6,564 |
| Memoranda: | ||
| Average total assets | $1,477,154,330 | 460 |
| Average earning assets | $1,336,617,330 | 458 |
| Average equity | $135,715,330 | 542 |
| Average total loans | $868,591,330 | 474 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 5,029 |
| Cost of funding earning assets | 0.7394% | 1,927 |
| Net interest margin | 2.9989% | 5,574 |
| Noninterest income to average assets | 1.9542% | 443 |
| Noninterest expense to average assets | 3.7963% | 1,117 |
| Loan and lease loss provision to assets | 0.0101% | 4,326 |
| Net operating income to assets | 0.6543% | 3,936 |
| Return on assets (ROA) | 0.7871% | 3,367 |
| Pretax return on assets | 1.0233% | 3,252 |
| Return on Equity (ROE) | 8.2522% | 2,846 |
| Retained earnings to average equity (ytd only) | -0.3678% | 5,847 |
| Net charge-offs to loans | 0.2308% | 2,060 |
| Credit loss provision to net charge-offs | 7.4597% | 3,175 |
| Earnings coverage of net charge-offs (x) | 6.3347% | 2,235 |
| Efficiency ratio | 81.2945% | 2,155 |
| Assets per employee ($millions) | 3.5740% | 4,830 |
| Cash dividends to net income (ytd only)* | 104.4568% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 5,926 |
| Loan loss allowance to noncurrent loans | 394.3269% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 5,788 |
| Noncurrent loans to loans | 0.2582% | 5,766 |
| Net loans and leases to total assets | 59.2568% | 3,562 |
| Net loans and leases to deposits | 75.7904% | 2,669 |
| Net loans and leases to core deposits | 86.1283% | 2,092 |
| Total domestic deposits to total assets | 78.1852% | 6,087 |
| Equity capital to assets | 9.6664% | 4,614 |
| Core capital (leverage) ratio | 9.1884% | 4,587 |
| Tier 1 risk-based capital ratio | 11.9979% | 5,916 |
| Total risk-based capital ratio | 12.8027% | 6,125 |
| Memoranda: | ||
| Average total assets | $1,459,624,000 | 466 |
| Average earning assets | $1,315,671,000 | 471 |
| Average equity | $139,211,000 | 535 |
| Average total loans | $859,626,000 | 483 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 4,867 |
| Cost of funding earning assets | 0.8616% | 2,206 |
| Net interest margin | 3.2619% | 5,386 |
| Noninterest income to average assets | 3.2757% | 223 |
| Noninterest expense to average assets | 3.8910% | 1,109 |
| Loan and lease loss provision to assets | -0.0098% | 6,820 |
| Net operating income to assets | 1.7681% | 542 |
| Return on assets (ROA) | 2.0410% | 362 |
| Pretax return on assets | 2.7339% | 186 |
| Return on Equity (ROE) | 22.0180% | 220 |
| Retained earnings to average equity (ytd only) | 11.4372% | 385 |
| Net charge-offs to loans | 0.0011% | 5,977 |
| Credit loss provision to net charge-offs | -1,555.5556% | 6,620 |
| Earnings coverage of net charge-offs (x) | 3,743.3333% | 5 |
| Efficiency ratio | 62.1379% | 5,216 |
| Assets per employee ($millions) | 3.8809% | 4,196 |
| Cash dividends to net income (ytd only)* | 48.0555% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 5,665 |
| Loan loss allowance to noncurrent loans | 331.0704% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 5,819 |
| Noncurrent loans to loans | 0.3241% | 5,674 |
| Net loans and leases to total assets | 57.3292% | 4,081 |
| Net loans and leases to deposits | 73.8960% | 3,102 |
| Net loans and leases to core deposits | 86.1092% | 2,303 |
| Total domestic deposits to total assets | 77.5810% | 6,149 |
| Equity capital to assets | 9.4125% | 4,982 |
| Core capital (leverage) ratio | 8.7915% | 5,193 |
| Tier 1 risk-based capital ratio | 11.6166% | 6,022 |
| Total risk-based capital ratio | 12.4443% | 6,238 |
| Memoranda: | ||
| Average total assets | $1,427,381,800 | 471 |
| Average earning assets | $1,302,061,600 | 464 |
| Average equity | $132,314,400 | 545 |
| Average total loans | $855,226,400 | 480 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 4,872 |
| Cost of funding earning assets | 0.8721% | 2,376 |
| Net interest margin | 3.3123% | 5,347 |
| Noninterest income to average assets | 3.3815% | 217 |
| Noninterest expense to average assets | 3.4045% | 1,992 |
| Loan and lease loss provision to assets | 0.0054% | 5,742 |
| Net operating income to assets | 1.9269% | 429 |
| Return on assets (ROA) | 2.2213% | 305 |
| Pretax return on assets | 3.4654% | 105 |
| Return on Equity (ROE) | 24.0603% | 164 |
| Retained earnings to average equity (ytd only) | 11.8008% | 564 |
| Net charge-offs to loans | -0.0528% | 6,724 |
| Credit loss provision to net charge-offs | -16.8639% | 6,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9743% | 6,353 |
| Assets per employee ($millions) | 4.0519% | 3,768 |
| Cash dividends to net income (ytd only)* | 50.9532% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 5,685 |
| Loan loss allowance to noncurrent loans | 410.4710% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 5,942 |
| Noncurrent loans to loans | 0.2699% | 5,945 |
| Net loans and leases to total assets | 58.9045% | 3,973 |
| Net loans and leases to deposits | 79.9876% | 2,393 |
| Net loans and leases to core deposits | 94.0514% | 1,584 |
| Total domestic deposits to total assets | 73.6421% | 6,628 |
| Equity capital to assets | 9.2306% | 5,556 |
| Core capital (leverage) ratio | 8.5068% | 5,740 |
| Tier 1 risk-based capital ratio | 10.6646% | 6,610 |
| Total risk-based capital ratio | 11.4899% | 6,719 |
| Memoranda: | ||
| Average total assets | $1,413,601,250 | 477 |
| Average earning assets | $1,294,710,250 | 470 |
| Average equity | $130,507,750 | 557 |
| Average total loans | $854,251,750 | 479 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 4,556 |
| Cost of funding earning assets | 0.8908% | 2,475 |
| Net interest margin | 3.4125% | 5,033 |
| Noninterest income to average assets | 3.6171% | 200 |
| Noninterest expense to average assets | 3.3184% | 2,258 |
| Loan and lease loss provision to assets | -0.0411% | 7,065 |
| Net operating income to assets | 2.2060% | 282 |
| Return on assets (ROA) | 2.5962% | 169 |
| Pretax return on assets | 4.0758% | 80 |
| Return on Equity (ROE) | 28.1187% | 100 |
| Retained earnings to average equity (ytd only) | 15.6678% | 244 |
| Net charge-offs to loans | -0.0887% | 6,833 |
| Credit loss provision to net charge-offs | 76.2667% | 3,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1562% | 6,694 |
| Assets per employee ($millions) | 4.2760% | 3,297 |
| Cash dividends to net income (ytd only)* | 44.2796% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,806 |
| Loan loss allowance to noncurrent loans | 376.9537% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 5,857 |
| Noncurrent loans to loans | 0.2900% | 5,987 |
| Net loans and leases to total assets | 61.7339% | 3,493 |
| Net loans and leases to deposits | 89.1580% | 1,239 |
| Net loans and leases to core deposits | 98.4683% | 1,224 |
| Total domestic deposits to total assets | 69.2410% | 6,943 |
| Equity capital to assets | 9.5976% | 4,918 |
| Core capital (leverage) ratio | 8.8889% | 5,066 |
| Tier 1 risk-based capital ratio | 11.3311% | 6,326 |
| Total risk-based capital ratio | 12.1831% | 6,510 |
| Memoranda: | ||
| Average total assets | $1,391,820,670 | 482 |
| Average earning assets | $1,275,073,000 | 474 |
| Average equity | $128,505,330 | 561 |
| Average total loans | $845,360,670 | 488 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 4,345 |
| Cost of funding earning assets | 0.8979% | 2,711 |
| Net interest margin | 3.5012% | 4,692 |
| Noninterest income to average assets | 3.5096% | 192 |
| Noninterest expense to average assets | 3.0944% | 2,932 |
| Loan and lease loss provision to assets | -0.0373% | 7,136 |
| Net operating income to assets | 2.3014% | 242 |
| Return on assets (ROA) | 2.7538% | 155 |
| Pretax return on assets | 4.3624% | 71 |
| Return on Equity (ROE) | 30.4225% | 96 |
| Retained earnings to average equity (ytd only) | 17.7517% | 269 |
| Net charge-offs to loans | -0.1670% | 6,947 |
| Credit loss provision to net charge-offs | 37.2493% | 3,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0467% | 6,896 |
| Assets per employee ($millions) | 4.6772% | 2,697 |
| Cash dividends to net income (ytd only)* | 41.6493% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,862 |
| Loan loss allowance to noncurrent loans | 308.4648% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 5,909 |
| Noncurrent loans to loans | 0.3603% | 5,954 |
| Net loans and leases to total assets | 60.5650% | 3,540 |
| Net loans and leases to deposits | 87.1047% | 1,274 |
| Net loans and leases to core deposits | 93.1554% | 1,534 |
| Total domestic deposits to total assets | 69.5313% | 7,003 |
| Equity capital to assets | 9.1752% | 5,268 |
| Core capital (leverage) ratio | 9.1666% | 4,575 |
| Tier 1 risk-based capital ratio | 11.0009% | 6,534 |
| Total risk-based capital ratio | 11.8683% | 6,689 |
| Memoranda: | ||
| Average total assets | $1,395,026,000 | 480 |
| Average earning assets | $1,276,259,000 | 474 |
| Average equity | $126,275,000 | 566 |
| Average total loans | $835,680,000 | 491 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7489% | 4,036 |
| Cost of funding earning assets | 1.1655% | 2,247 |
| Net interest margin | 3.5834% | 4,795 |
| Noninterest income to average assets | 1.8852% | 412 |
| Noninterest expense to average assets | 2.8450% | 4,180 |
| Loan and lease loss provision to assets | -0.0029% | 7,204 |
| Net operating income to assets | 1.5350% | 771 |
| Return on assets (ROA) | 1.6646% | 631 |
| Pretax return on assets | 2.4957% | 209 |
| Return on Equity (ROE) | 17.9494% | 384 |
| Retained earnings to average equity (ytd only) | 5.0320% | 2,615 |
| Net charge-offs to loans | 0.3983% | 3,422 |
| Credit loss provision to net charge-offs | -1.2215% | 6,596 |
| Earnings coverage of net charge-offs (x) | 9.8227% | 1,929 |
| Efficiency ratio | 55.2272% | 6,395 |
| Assets per employee ($millions) | 4.9190% | 2,310 |
| Cash dividends to net income (ytd only)* | 71.9658% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,588 |
| Loan loss allowance to noncurrent loans | 257.7050% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 5,847 |
| Noncurrent loans to loans | 0.4491% | 5,807 |
| Net loans and leases to total assets | 57.8603% | 4,392 |
| Net loans and leases to deposits | 85.2623% | 1,768 |
| Net loans and leases to core deposits | 90.8788% | 2,003 |
| Total domestic deposits to total assets | 67.8616% | 7,081 |
| Equity capital to assets | 8.9261% | 5,643 |
| Core capital (leverage) ratio | 8.7689% | 5,146 |
| Tier 1 risk-based capital ratio | 11.6158% | 6,077 |
| Total risk-based capital ratio | 12.5537% | 6,269 |
| Memoranda: | ||
| Average total assets | $1,293,899,400 | 502 |
| Average earning assets | $1,176,861,800 | 501 |
| Average equity | $119,993,000 | 579 |
| Average total loans | $760,440,400 | 539 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 3,949 |
| Cost of funding earning assets | 1.2231% | 2,168 |
| Net interest margin | 3.5954% | 4,792 |
| Noninterest income to average assets | 1.7833% | 450 |
| Noninterest expense to average assets | 2.7040% | 4,709 |
| Loan and lease loss provision to assets | -0.0687% | 7,343 |
| Net operating income to assets | 1.6030% | 771 |
| Return on assets (ROA) | 1.7498% | 620 |
| Pretax return on assets | 2.6450% | 192 |
| Return on Equity (ROE) | 18.6779% | 405 |
| Retained earnings to average equity (ytd only) | 6.9280% | 2,009 |
| Net charge-offs to loans | 0.3010% | 3,585 |
| Credit loss provision to net charge-offs | -38.7803% | 6,456 |
| Earnings coverage of net charge-offs (x) | 13.2943% | 1,630 |
| Efficiency ratio | 53.3836% | 6,555 |
| Assets per employee ($millions) | 5.2259% | 1,893 |
| Cash dividends to net income (ytd only)* | 62.9082% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 4,794 |
| Loan loss allowance to noncurrent loans | 234.6906% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 5,727 |
| Noncurrent loans to loans | 0.5735% | 5,728 |
| Net loans and leases to total assets | 57.9870% | 4,518 |
| Net loans and leases to deposits | 79.5181% | 2,719 |
| Net loans and leases to core deposits | 85.2783% | 2,876 |
| Total domestic deposits to total assets | 72.9231% | 6,862 |
| Equity capital to assets | 9.7265% | 4,738 |
| Core capital (leverage) ratio | 9.2286% | 4,574 |
| Tier 1 risk-based capital ratio | 12.2907% | 5,675 |
| Total risk-based capital ratio | 13.3513% | 5,812 |
| Memoranda: | ||
| Average total assets | $1,271,818,000 | 520 |
| Average earning assets | $1,158,338,000 | 512 |
| Average equity | $119,146,500 | 585 |
| Average total loans | $748,269,250 | 555 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 4,037 |
| Cost of funding earning assets | 1.2564% | 2,215 |
| Net interest margin | 3.5573% | 4,895 |
| Noninterest income to average assets | 1.8117% | 412 |
| Noninterest expense to average assets | 2.7616% | 4,584 |
| Loan and lease loss provision to assets | -0.0595% | 7,401 |
| Net operating income to assets | 1.5621% | 786 |
| Return on assets (ROA) | 1.7453% | 591 |
| Pretax return on assets | 2.6426% | 200 |
| Return on Equity (ROE) | 18.8716% | 399 |
| Retained earnings to average equity (ytd only) | 6.9588% | 1,897 |
| Net charge-offs to loans | 0.5095% | 2,572 |
| Credit loss provision to net charge-offs | -19.8425% | 6,201 |
| Earnings coverage of net charge-offs (x) | 7.6892% | 2,186 |
| Efficiency ratio | 54.4232% | 6,580 |
| Assets per employee ($millions) | 5.3275% | 1,725 |
| Cash dividends to net income (ytd only)* | 63.1256% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,707 |
| Loan loss allowance to noncurrent loans | 206.6802% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 5,761 |
| Noncurrent loans to loans | 0.6649% | 5,581 |
| Net loans and leases to total assets | 56.2613% | 4,950 |
| Net loans and leases to deposits | 81.6112% | 2,506 |
| Net loans and leases to core deposits | 87.8321% | 2,665 |
| Total domestic deposits to total assets | 68.9382% | 7,158 |
| Equity capital to assets | 9.3242% | 5,109 |
| Core capital (leverage) ratio | 9.0437% | 4,656 |
| Tier 1 risk-based capital ratio | 12.8338% | 5,064 |
| Total risk-based capital ratio | 13.9676% | 5,135 |
| Memoranda: | ||
| Average total assets | $1,270,718,670 | 521 |
| Average earning assets | $1,162,852,670 | 515 |
| Average equity | $117,520,670 | 595 |
| Average total loans | $747,862,670 | 566 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 3,692 |
| Cost of funding earning assets | 1.2481% | 2,516 |
| Net interest margin | 3.6306% | 4,425 |
| Noninterest income to average assets | 1.9171% | 383 |
| Noninterest expense to average assets | 2.8464% | 4,280 |
| Loan and lease loss provision to assets | -0.0459% | 7,465 |
| Net operating income to assets | 1.5958% | 698 |
| Return on assets (ROA) | 1.7017% | 611 |
| Pretax return on assets | 2.5907% | 224 |
| Return on Equity (ROE) | 18.4864% | 438 |
| Retained earnings to average equity (ytd only) | 5.1677% | 3,078 |
| Net charge-offs to loans | 0.1508% | 3,583 |
| Credit loss provision to net charge-offs | -50.1916% | 5,653 |
| Earnings coverage of net charge-offs (x) | 26.0805% | 935 |
| Efficiency ratio | 54.3360% | 6,664 |
| Assets per employee ($millions) | 5.4355% | 1,634 |
| Cash dividends to net income (ytd only)* | 72.0461% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 4,198 |
| Loan loss allowance to noncurrent loans | 106.8781% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 4,896 |
| Noncurrent loans to loans | 1.4058% | 4,367 |
| Net loans and leases to total assets | 59.2265% | 4,423 |
| Net loans and leases to deposits | 81.2916% | 2,480 |
| Net loans and leases to core deposits | 87.8454% | 2,620 |
| Total domestic deposits to total assets | 72.8569% | 7,010 |
| Equity capital to assets | 9.1535% | 4,952 |
| Core capital (leverage) ratio | 8.9528% | 4,687 |
| Tier 1 risk-based capital ratio | 11.9912% | 5,697 |
| Total risk-based capital ratio | 13.2185% | 5,711 |
| Memoranda: | ||
| Average total assets | $1,141,944,500 | 587 |
| Average earning assets | $1,042,253,000 | 581 |
| Average equity | $105,115,000 | 660 |
| Average total loans | $692,439,500 | 620 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 4,326 |
| Cost of funding earning assets | 1.4112% | 3,192 |
| Net interest margin | 3.6368% | 4,637 |
| Noninterest income to average assets | 1.3382% | 821 |
| Noninterest expense to average assets | 2.2440% | 6,498 |
| Loan and lease loss provision to assets | 0.1270% | 5,894 |
| Net operating income to assets | 1.5095% | 748 |
| Return on assets (ROA) | 1.5231% | 789 |
| Pretax return on assets | 2.3073% | 248 |
| Return on Equity (ROE) | 17.4574% | 434 |
| Retained earnings to average equity (ytd only) | 6.2330% | 1,701 |
| Net charge-offs to loans | 0.1696% | 5,312 |
| Credit loss provision to net charge-offs | 127.0017% | 3,185 |
| Earnings coverage of net charge-offs (x) | 24.1431% | 877 |
| Efficiency ratio | 48.0876% | 7,259 |
| Assets per employee ($millions) | 5.4665% | 1,620 |
| Cash dividends to net income (ytd only)* | 64.2961% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 3,735 |
| Loan loss allowance to noncurrent loans | 212.0730% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 5,717 |
| Noncurrent loans to loans | 0.7361% | 5,575 |
| Net loans and leases to total assets | 60.1983% | 4,646 |
| Net loans and leases to deposits | 84.1815% | 2,424 |
| Net loans and leases to core deposits | 91.7259% | 2,530 |
| Total domestic deposits to total assets | 71.5102% | 7,130 |
| Equity capital to assets | 9.2573% | 4,741 |
| Core capital (leverage) ratio | 8.3311% | 5,642 |
| Tier 1 risk-based capital ratio | 12.0129% | 5,463 |
| Total risk-based capital ratio | 13.2634% | 5,444 |
| Memoranda: | ||
| Average total assets | $1,174,310,200 | 570 |
| Average earning assets | $1,071,841,400 | 563 |
| Average equity | $102,455,200 | 660 |
| Average total loans | $692,208,200 | 634 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 4,536 |
| Cost of funding earning assets | 1.4398% | 3,333 |
| Net interest margin | 3.6211% | 4,778 |
| Noninterest income to average assets | 1.1713% | 1,015 |
| Noninterest expense to average assets | 2.1247% | 6,797 |
| Loan and lease loss provision to assets | 0.0289% | 6,778 |
| Net operating income to assets | 1.5516% | 826 |
| Return on assets (ROA) | 1.5698% | 866 |
| Pretax return on assets | 2.3489% | 303 |
| Return on Equity (ROE) | 18.2588% | 461 |
| Retained earnings to average equity (ytd only) | 8.4436% | 1,259 |
| Net charge-offs to loans | 0.1674% | 4,975 |
| Credit loss provision to net charge-offs | 29.5742% | 6,160 |
| Earnings coverage of net charge-offs (x) | 24.0402% | 1,041 |
| Efficiency ratio | 47.3815% | 7,307 |
| Assets per employee ($millions) | 6.3593% | 1,039 |
| Cash dividends to net income (ytd only)* | 53.7557% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 4,364 |
| Loan loss allowance to noncurrent loans | 202.3361% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 5,769 |
| Noncurrent loans to loans | 0.7001% | 5,810 |
| Net loans and leases to total assets | 57.1699% | 5,384 |
| Net loans and leases to deposits | 83.2198% | 2,861 |
| Net loans and leases to core deposits | 90.5819% | 3,012 |
| Total domestic deposits to total assets | 68.6974% | 7,343 |
| Equity capital to assets | 8.9366% | 5,662 |
| Core capital (leverage) ratio | 8.8111% | 4,985 |
| Tier 1 risk-based capital ratio | 12.1557% | 5,314 |
| Total risk-based capital ratio | 13.3616% | 5,314 |
| Memoranda: | ||
| Average total assets | $1,184,997,500 | 560 |
| Average earning assets | $1,081,234,750 | 554 |
| Average equity | $101,881,000 | 654 |
| Average total loans | $692,264,250 | 632 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1245% | 4,323 |
| Cost of funding earning assets | 1.4801% | 3,366 |
| Net interest margin | 3.6444% | 4,607 |
| Noninterest income to average assets | 1.3748% | 663 |
| Noninterest expense to average assets | 2.1366% | 6,802 |
| Loan and lease loss provision to assets | 0.4289% | 3,179 |
| Net operating income to assets | 1.4399% | 1,015 |
| Return on assets (ROA) | 1.3950% | 1,168 |
| Pretax return on assets | 2.0664% | 526 |
| Return on Equity (ROE) | 16.4458% | 641 |
| Retained earnings to average equity (ytd only) | 6.4495% | 2,101 |
| Net charge-offs to loans | 0.1946% | 4,444 |
| Credit loss provision to net charge-offs | 376.3393% | 964 |
| Earnings coverage of net charge-offs (x) | 22.4747% | 1,130 |
| Efficiency ratio | 45.3902% | 7,464 |
| Assets per employee ($millions) | 6.1002% | 1,158 |
| Cash dividends to net income (ytd only)* | 60.7829% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 2,940 |
| Loan loss allowance to noncurrent loans | 214.4744% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 5,569 |
| Noncurrent loans to loans | 0.8100% | 5,658 |
| Net loans and leases to total assets | 61.8635% | 4,711 |
| Net loans and leases to deposits | 88.9509% | 2,007 |
| Net loans and leases to core deposits | 97.9053% | 2,242 |
| Total domestic deposits to total assets | 69.5480% | 7,357 |
| Equity capital to assets | 9.1506% | 5,214 |
| Core capital (leverage) ratio | 8.3013% | 5,769 |
| Tier 1 risk-based capital ratio | 11.6303% | 5,645 |
| Total risk-based capital ratio | 12.8831% | 5,607 |
| Memoranda: | ||
| Average total assets | $1,179,359,000 | 566 |
| Average earning assets | $1,075,347,000 | 561 |
| Average equity | $100,038,000 | 657 |
| Average total loans | $690,683,670 | 636 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9204% | 5,358 |
| Cost of funding earning assets | 1.4767% | 3,704 |
| Net interest margin | 3.4438% | 5,406 |
| Noninterest income to average assets | 1.2915% | 723 |
| Noninterest expense to average assets | 2.0900% | 6,970 |
| Loan and lease loss provision to assets | -0.0080% | 7,835 |
| Net operating income to assets | 1.5692% | 797 |
| Return on assets (ROA) | 1.6338% | 750 |
| Pretax return on assets | 2.4665% | 265 |
| Return on Equity (ROE) | 19.9995% | 385 |
| Retained earnings to average equity (ytd only) | 9.8392% | 1,178 |
| Net charge-offs to loans | 0.0394% | 5,025 |
| Credit loss provision to net charge-offs | -35.8209% | 5,989 |
| Earnings coverage of net charge-offs (x) | 106.1194% | 306 |
| Efficiency ratio | 46.8631% | 7,505 |
| Assets per employee ($millions) | 6.2389% | 1,118 |
| Cash dividends to net income (ytd only)* | 50.8027% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,888 |
| Loan loss allowance to noncurrent loans | 162.1938% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 5,538 |
| Noncurrent loans to loans | 0.9274% | 5,463 |
| Net loans and leases to total assets | 58.6544% | 5,327 |
| Net loans and leases to deposits | 84.3995% | 2,870 |
| Net loans and leases to core deposits | 92.3625% | 3,062 |
| Total domestic deposits to total assets | 69.4962% | 7,439 |
| Equity capital to assets | 8.5649% | 5,918 |
| Core capital (leverage) ratio | 8.0468% | 6,167 |
| Tier 1 risk-based capital ratio | 11.6132% | 5,563 |
| Total risk-based capital ratio | 12.8650% | 5,526 |
| Memoranda: | ||
| Average total assets | $1,204,766,000 | 570 |
| Average earning assets | $1,105,189,500 | 558 |
| Average equity | $98,422,500 | 676 |
| Average total loans | $680,775,000 | 667 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 4,678 |
| Cost of funding earning assets | 1.9242% | 3,337 |
| Net interest margin | 3.4815% | 5,032 |
| Noninterest income to average assets | 1.3631% | 791 |
| Noninterest expense to average assets | 2.2906% | 6,775 |
| Loan and lease loss provision to assets | 0.2753% | 5,211 |
| Net operating income to assets | 1.3311% | 972 |
| Return on assets (ROA) | 1.3884% | 925 |
| Pretax return on assets | 2.0657% | 358 |
| Return on Equity (ROE) | 16.6852% | 486 |
| Retained earnings to average equity (ytd only) | 8.0984% | 671 |
| Net charge-offs to loans | 0.2825% | 4,862 |
| Credit loss provision to net charge-offs | 161.9548% | 2,726 |
| Earnings coverage of net charge-offs (x) | 13.2696% | 1,437 |
| Efficiency ratio | 50.2888% | 7,524 |
| Assets per employee ($millions) | 6.6090% | 940 |
| Cash dividends to net income (ytd only)* | 51.4635% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 3,425 |
| Loan loss allowance to noncurrent loans | 167.7760% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 5,604 |
| Noncurrent loans to loans | 0.9321% | 5,451 |
| Net loans and leases to total assets | 52.8399% | 6,322 |
| Net loans and leases to deposits | 76.3853% | 4,671 |
| Net loans and leases to core deposits | 85.5921% | 5,558 |
| Total domestic deposits to total assets | 69.1756% | 7,480 |
| Equity capital to assets | 7.8021% | 6,763 |
| Core capital (leverage) ratio | 7.8836% | 6,339 |
| Tier 1 risk-based capital ratio | 11.5107% | 5,384 |
| Total risk-based capital ratio | 12.7631% | 5,343 |
| Memoranda: | ||
| Average total assets | $1,119,620,400 | 595 |
| Average earning assets | $1,023,596,400 | 590 |
| Average equity | $93,166,400 | 699 |
| Average total loans | $673,574,000 | 692 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5714% | 4,025 |
| Cost of funding earning assets | 2.0492% | 3,123 |
| Net interest margin | 3.5222% | 4,768 |
| Noninterest income to average assets | 1.5220% | 639 |
| Noninterest expense to average assets | 2.4157% | 6,364 |
| Loan and lease loss provision to assets | 0.2835% | 4,709 |
| Net operating income to assets | 1.3685% | 1,088 |
| Return on assets (ROA) | 1.4463% | 987 |
| Pretax return on assets | 2.1541% | 394 |
| Return on Equity (ROE) | 17.0748% | 543 |
| Retained earnings to average equity (ytd only) | 9.8361% | 665 |
| Net charge-offs to loans | 0.2572% | 4,446 |
| Credit loss provision to net charge-offs | 177.7095% | 2,595 |
| Earnings coverage of net charge-offs (x) | 14.5511% | 1,595 |
| Efficiency ratio | 50.8983% | 7,492 |
| Assets per employee ($millions) | 6.0670% | 1,183 |
| Cash dividends to net income (ytd only)* | 42.3944% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 3,180 |
| Loan loss allowance to noncurrent loans | 139.9051% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 4,999 |
| Noncurrent loans to loans | 1.1105% | 5,092 |
| Net loans and leases to total assets | 59.2117% | 5,711 |
| Net loans and leases to deposits | 80.1740% | 4,352 |
| Net loans and leases to core deposits | 90.6752% | 5,375 |
| Total domestic deposits to total assets | 73.8540% | 6,976 |
| Equity capital to assets | 8.8564% | 5,698 |
| Core capital (leverage) ratio | 8.4354% | 5,604 |
| Tier 1 risk-based capital ratio | 11.5819% | 5,359 |
| Total risk-based capital ratio | 12.8337% | 5,296 |
| Memoranda: | ||
| Average total assets | $1,087,252,250 | 627 |
| Average earning assets | $992,489,250 | 618 |
| Average equity | $92,094,250 | 705 |
| Average total loans | $674,341,000 | 709 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5578% | 4,295 |
| Cost of funding earning assets | 2.1377% | 3,099 |
| Net interest margin | 3.4202% | 5,094 |
| Noninterest income to average assets | 1.6292% | 557 |
| Noninterest expense to average assets | 2.4752% | 6,202 |
| Loan and lease loss provision to assets | 0.2506% | 4,567 |
| Net operating income to assets | 1.3507% | 1,124 |
| Return on assets (ROA) | 1.4665% | 964 |
| Pretax return on assets | 2.1949% | 364 |
| Return on Equity (ROE) | 17.5863% | 526 |
| Retained earnings to average equity (ytd only) | 6.4992% | 1,799 |
| Net charge-offs to loans | 0.3494% | 3,440 |
| Credit loss provision to net charge-offs | 114.4426% | 4,044 |
| Earnings coverage of net charge-offs (x) | 10.3801% | 2,000 |
| Efficiency ratio | 52.0369% | 7,510 |
| Assets per employee ($millions) | 5.6263% | 1,479 |
| Cash dividends to net income (ytd only)* | 63.0438% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 3,810 |
| Loan loss allowance to noncurrent loans | 146.4010% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.9466% | 5,088 |
| Noncurrent loans to loans | 0.9464% | 5,335 |
| Net loans and leases to total assets | 61.4846% | 5,440 |
| Net loans and leases to deposits | 84.4414% | 3,805 |
| Net loans and leases to core deposits | 96.1627% | 4,886 |
| Total domestic deposits to total assets | 72.8134% | 7,138 |
| Equity capital to assets | 8.3304% | 6,292 |
| Core capital (leverage) ratio | 8.0162% | 6,302 |
| Tier 1 risk-based capital ratio | 10.8466% | 6,038 |
| Total risk-based capital ratio | 12.0219% | 6,045 |
| Memoranda: | ||
| Average total assets | $1,081,608,000 | 641 |
| Average earning assets | $986,209,330 | 632 |
| Average equity | $90,195,330 | 726 |
| Average total loans | $677,746,330 | 728 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5082% | 4,870 |
| Cost of funding earning assets | 2.2060% | 3,136 |
| Net interest margin | 3.3022% | 5,489 |
| Noninterest income to average assets | 1.4427% | 675 |
| Noninterest expense to average assets | 2.3933% | 6,213 |
| Loan and lease loss provision to assets | 0.1360% | 5,218 |
| Net operating income to assets | 1.2886% | 1,407 |
| Return on assets (ROA) | 1.4106% | 1,200 |
| Pretax return on assets | 2.0927% | 547 |
| Return on Equity (ROE) | 16.9071% | 700 |
| Retained earnings to average equity (ytd only) | 16.9071% | 280 |
| Net charge-offs to loans | 0.2010% | 3,430 |
| Credit loss provision to net charge-offs | 107.6696% | 3,559 |
| Earnings coverage of net charge-offs (x) | 16.2065% | 1,566 |
| Efficiency ratio | 53.8048% | 7,237 |
| Assets per employee ($millions) | 5.8272% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 3,544 |
| Loan loss allowance to noncurrent loans | 150.9706% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 4,981 |
| Noncurrent loans to loans | 0.9220% | 5,157 |
| Net loans and leases to total assets | 59.7162% | 5,704 |
| Net loans and leases to deposits | 81.9928% | 4,285 |
| Net loans and leases to core deposits | 95.0413% | 5,058 |
| Total domestic deposits to total assets | 72.8310% | 7,077 |
| Equity capital to assets | 8.3841% | 6,265 |
| Core capital (leverage) ratio | 8.3553% | 5,801 |
| Tier 1 risk-based capital ratio | 11.4116% | 5,494 |
| Total risk-based capital ratio | 12.6150% | 5,442 |
| Memoranda: | ||
| Average total assets | $1,073,849,000 | 646 |
| Average earning assets | $974,613,500 | 644 |
| Average equity | $89,595,500 | 740 |
| Average total loans | $674,598,500 | 737 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1652% | 4,697 |
| Cost of funding earning assets | 2.7533% | 2,907 |
| Net interest margin | 3.4119% | 5,610 |
| Noninterest income to average assets | 1.4956% | 627 |
| Noninterest expense to average assets | 2.3768% | 6,481 |
| Loan and lease loss provision to assets | 0.3295% | 3,755 |
| Net operating income to assets | 1.3067% | 1,468 |
| Return on assets (ROA) | 1.3717% | 1,246 |
| Pretax return on assets | 1.9575% | 681 |
| Return on Equity (ROE) | 16.3760% | 714 |
| Retained earnings to average equity (ytd only) | 12.2373% | 214 |
| Net charge-offs to loans | 0.2712% | 3,597 |
| Credit loss provision to net charge-offs | 185.4992% | 2,670 |
| Earnings coverage of net charge-offs (x) | 12.3519% | 2,256 |
| Efficiency ratio | 51.8868% | 7,498 |
| Assets per employee ($millions) | 5.5643% | 1,412 |
| Cash dividends to net income (ytd only)* | 25.2727% | 4,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 3,357 |
| Loan loss allowance to noncurrent loans | 118.7269% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 4,960 |
| Noncurrent loans to loans | 1.1550% | 4,221 |
| Net loans and leases to total assets | 64.3325% | 5,204 |
| Net loans and leases to deposits | 89.3487% | 3,562 |
| Net loans and leases to core deposits | 102.0538% | 4,602 |
| Total domestic deposits to total assets | 72.0016% | 6,994 |
| Equity capital to assets | 8.3001% | 6,423 |
| Core capital (leverage) ratio | 8.4227% | 5,707 |
| Tier 1 risk-based capital ratio | 10.9669% | 5,755 |
| Total risk-based capital ratio | 12.1683% | 5,718 |
| Memoranda: | ||
| Average total assets | $1,009,347,200 | 660 |
| Average earning assets | $909,789,600 | 655 |
| Average equity | $84,544,600 | 788 |
| Average total loans | $661,131,000 | 715 |