Home > First Bank Chicago > Performance and Condition Ratios
First Bank Chicago, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 1,948 |
| Cost of funding earning assets | 3.4124% | 83 |
| Net interest margin | 1.6491% | 4,487 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.7031% | 4,132 |
| Loan and lease loss provision to assets | -0.2000% | 4,559 |
| Net operating income to assets | 0.2138% | 4,152 |
| Return on assets (ROA) | 0.2663% | 4,079 |
| Pretax return on assets | 0.3134% | 4,081 |
| Return on Equity (ROE) | 2.9000% | 4,038 |
| Retained earnings to average equity (ytd only) | 0.8690% | 3,860 |
| Net charge-offs to loans | -0.0717% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 97.1694% | 232 |
| Assets per employee ($millions) | 14.1523% | 251 |
| Cash dividends to net income (ytd only)* | 70.0250% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 4,131 |
| Loan loss allowance to noncurrent loans | 138.9688% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 1,620 |
| Noncurrent loans to loans | 0.5019% | 1,529 |
| Net loans and leases to total assets | 65.6900% | 2,288 |
| Net loans and leases to deposits | 85.7672% | 1,633 |
| Net loans and leases to core deposits | 110.7368% | 929 |
| Total domestic deposits to total assets | 76.6000% | 3,885 |
| Equity capital to assets | 9.7980% | 2,125 |
| Core capital (leverage) ratio | 9.9212% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,102,284,800 | 549 |
| Average earning assets | $2,005,732,800 | 520 |
| Average equity | $193,093,200 | 558 |
| Average total loans | $1,423,649,400 | 540 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 1,739 |
| Cost of funding earning assets | 3.3426% | 74 |
| Net interest margin | 1.7041% | 4,500 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.6664% | 4,169 |
| Loan and lease loss provision to assets | -0.1500% | 4,571 |
| Net operating income to assets | 0.2757% | 4,146 |
| Return on assets (ROA) | 0.2175% | 4,225 |
| Pretax return on assets | 0.2159% | 4,240 |
| Return on Equity (ROE) | 2.4100% | 4,156 |
| Retained earnings to average equity (ytd only) | 2.1872% | 3,697 |
| Net charge-offs to loans | -0.1439% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.8519% | 299 |
| Assets per employee ($millions) | 14.0085% | 243 |
| Cash dividends to net income (ytd only)* | 9.0857% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 3,862 |
| Loan loss allowance to noncurrent loans | 160.6917% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 1,618 |
| Noncurrent loans to loans | 0.5315% | 1,494 |
| Net loans and leases to total assets | 65.7500% | 2,269 |
| Net loans and leases to deposits | 83.0933% | 1,819 |
| Net loans and leases to core deposits | 110.6396% | 848 |
| Total domestic deposits to total assets | 79.1200% | 3,676 |
| Equity capital to assets | 9.5675% | 2,062 |
| Core capital (leverage) ratio | 9.3654% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,125,451,000 | 542 |
| Average earning assets | $2,028,365,500 | 515 |
| Average equity | $192,141,000 | 558 |
| Average total loans | $1,447,195,750 | 529 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 1,821 |
| Cost of funding earning assets | 3.1476% | 70 |
| Net interest margin | 1.7295% | 4,551 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.6730% | 4,182 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.2036% | 4,273 |
| Return on assets (ROA) | 0.2600% | 4,240 |
| Pretax return on assets | 0.2447% | 4,278 |
| Return on Equity (ROE) | 2.9300% | 4,165 |
| Retained earnings to average equity (ytd only) | 2.6003% | 3,577 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.6063% | 310 |
| Assets per employee ($millions) | 14.6806% | 209 |
| Cash dividends to net income (ytd only)* | 11.2822% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 4,067 |
| Loan loss allowance to noncurrent loans | 134.3329% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 1,327 |
| Noncurrent loans to loans | 0.5762% | 1,298 |
| Net loans and leases to total assets | 69.2300% | 1,825 |
| Net loans and leases to deposits | 91.3469% | 1,071 |
| Net loans and leases to core deposits | 125.5295% | 398 |
| Total domestic deposits to total assets | 75.7900% | 4,065 |
| Equity capital to assets | 8.8380% | 2,634 |
| Core capital (leverage) ratio | 9.2437% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,147,516,667 | 521 |
| Average earning assets | $2,050,376,667 | 496 |
| Average equity | $190,515,000 | 547 |
| Average total loans | $1,474,420,000 | 509 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 1,646 |
| Cost of funding earning assets | 2.9171% | 42 |
| Net interest margin | 1.8734% | 4,592 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.8000% | 4,026 |
| Loan and lease loss provision to assets | -0.1000% | 4,576 |
| Net operating income to assets | 0.2280% | 4,327 |
| Return on assets (ROA) | 0.3879% | 4,055 |
| Pretax return on assets | 0.4235% | 4,100 |
| Return on Equity (ROE) | 4.3600% | 3,981 |
| Retained earnings to average equity (ytd only) | 3.6909% | 3,353 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.5383% | 292 |
| Assets per employee ($millions) | 14.6719% | 222 |
| Cash dividends to net income (ytd only)* | 15.4261% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 4,050 |
| Loan loss allowance to noncurrent loans | 192.3425% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 1,724 |
| Noncurrent loans to loans | 0.4275% | 1,650 |
| Net loans and leases to total assets | 66.5900% | 1,999 |
| Net loans and leases to deposits | 85.8118% | 1,368 |
| Net loans and leases to core deposits | 112.2214% | 636 |
| Total domestic deposits to total assets | 77.6000% | 4,039 |
| Equity capital to assets | 8.8440% | 2,637 |
| Core capital (leverage) ratio | 9.1872% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,105,549,500 | 546 |
| Average earning assets | $2,009,561,000 | 518 |
| Average equity | $187,164,500 | 565 |
| Average total loans | $1,433,157,000 | 533 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5524% | 2,936 |
| Cost of funding earning assets | 1.1511% | 84 |
| Net interest margin | 2.4013% | 4,359 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.7352% | 4,113 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 0.4777% | 4,116 |
| Return on assets (ROA) | 0.1822% | 4,442 |
| Pretax return on assets | 0.1543% | 4,468 |
| Return on Equity (ROE) | 1.9500% | 4,392 |
| Retained earnings to average equity (ytd only) | -0.2486% | 4,380 |
| Net charge-offs to loans | 0.3789% | 198 |
| Credit loss provision to net charge-offs | 120.4336% | 1,456 |
| Earnings coverage of net charge-offs (x) | 2.9729% | 2,484 |
| Efficiency ratio | 69.6496% | 1,736 |
| Assets per employee ($millions) | 14.0708% | 241 |
| Cash dividends to net income (ytd only)* | 112.7767% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,034 |
| Loan loss allowance to noncurrent loans | 182.4717% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 1,651 |
| Noncurrent loans to loans | 0.4364% | 1,616 |
| Net loans and leases to total assets | 68.4900% | 1,787 |
| Net loans and leases to deposits | 87.3239% | 1,221 |
| Net loans and leases to core deposits | 112.4938% | 533 |
| Total domestic deposits to total assets | 78.4300% | 4,054 |
| Equity capital to assets | 8.9365% | 2,399 |
| Core capital (leverage) ratio | 9.1863% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,958,837,800 | 564 |
| Average earning assets | $1,890,371,800 | 527 |
| Average equity | $183,410,400 | 567 |
| Average total loans | $1,314,787,200 | 534 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2394% | 3,335 |
| Cost of funding earning assets | 0.7931% | 159 |
| Net interest margin | 2.4463% | 4,265 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.7618% | 4,048 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 0.5526% | 3,962 |
| Return on assets (ROA) | 0.0792% | 4,529 |
| Pretax return on assets | 0.0399% | 4,544 |
| Return on Equity (ROE) | 0.8400% | 4,507 |
| Retained earnings to average equity (ytd only) | -1.3277% | 4,446 |
| Net charge-offs to loans | 0.2561% | 261 |
| Credit loss provision to net charge-offs | 119.1438% | 1,229 |
| Earnings coverage of net charge-offs (x) | 4.1999% | 2,183 |
| Efficiency ratio | 71.0882% | 1,630 |
| Assets per employee ($millions) | 13.2254% | 287 |
| Cash dividends to net income (ytd only)* | 258.9208% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 4,097 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 968 |
| Noncurrent loans to loans | 0.6751% | 1,207 |
| Net loans and leases to total assets | 68.2900% | 1,644 |
| Net loans and leases to deposits | 89.4375% | 931 |
| Net loans and leases to core deposits | 109.1792% | 491 |
| Total domestic deposits to total assets | 76.3600% | 4,351 |
| Equity capital to assets | 9.2437% | 2,043 |
| Core capital (leverage) ratio | 9.6899% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,934,963,750 | 569 |
| Average earning assets | $1,872,988,000 | 534 |
| Average equity | $183,366,750 | 576 |
| Average total loans | $1,288,910,000 | 539 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9758% | 3,614 |
| Cost of funding earning assets | 0.5686% | 349 |
| Net interest margin | 2.4073% | 4,220 |
| Noninterest income to average assets | 0.1032% | 4,468 |
| Noninterest expense to average assets | 1.7871% | 3,994 |
| Loan and lease loss provision to assets | 0.2698% | 255 |
| Net operating income to assets | 0.3578% | 4,192 |
| Return on assets (ROA) | -0.0590% | 4,572 |
| Pretax return on assets | -0.1436% | 4,587 |
| Return on Equity (ROE) | -0.6179% | 4,576 |
| Retained earnings to average equity (ytd only) | -2.0426% | 4,388 |
| Net charge-offs to loans | 0.3901% | 177 |
| Credit loss provision to net charge-offs | 105.0081% | 1,244 |
| Earnings coverage of net charge-offs (x) | 2.5448% | 2,027 |
| Efficiency ratio | 73.2146% | 1,596 |
| Assets per employee ($millions) | 13.0455% | 285 |
| Cash dividends to net income (ytd only)* | -230.5800% | 4,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 4,152 |
| Loan loss allowance to noncurrent loans | 114.3344% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 1,015 |
| Noncurrent loans to loans | 0.7121% | 1,213 |
| Net loans and leases to total assets | 65.6302% | 1,739 |
| Net loans and leases to deposits | 85.1548% | 1,045 |
| Net loans and leases to core deposits | 108.5848% | 379 |
| Total domestic deposits to total assets | 77.0717% | 4,411 |
| Equity capital to assets | 9.4404% | 2,067 |
| Core capital (leverage) ratio | 10.1186% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,927,498,000 | 567 |
| Average earning assets | $1,871,748,333 | 537 |
| Average equity | $184,178,333 | 580 |
| Average total loans | $1,269,379,333 | 539 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8096% | 3,726 |
| Cost of funding earning assets | 0.5101% | 469 |
| Net interest margin | 2.2994% | 4,239 |
| Noninterest income to average assets | 0.0604% | 4,635 |
| Noninterest expense to average assets | 1.8128% | 3,908 |
| Loan and lease loss provision to assets | 0.5296% | 90 |
| Net operating income to assets | 0.0577% | 4,507 |
| Return on assets (ROA) | -0.4285% | 4,683 |
| Pretax return on assets | -0.6505% | 4,701 |
| Return on Equity (ROE) | -4.4573% | 4,695 |
| Retained earnings to average equity (ytd only) | -5.5916% | 4,441 |
| Net charge-offs to loans | 0.7827% | 89 |
| Credit loss provision to net charge-offs | 102.9887% | 996 |
| Earnings coverage of net charge-offs (x) | 0.9616% | 1,755 |
| Efficiency ratio | 78.5669% | 1,266 |
| Assets per employee ($millions) | 13.6920% | 268 |
| Cash dividends to net income (ytd only)* | -25.4484% | 4,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 4,217 |
| Loan loss allowance to noncurrent loans | 111.7336% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 962 |
| Noncurrent loans to loans | 0.7291% | 1,306 |
| Net loans and leases to total assets | 65.2812% | 1,486 |
| Net loans and leases to deposits | 85.8330% | 752 |
| Net loans and leases to core deposits | 109.7362% | 267 |
| Total domestic deposits to total assets | 76.0561% | 4,497 |
| Equity capital to assets | 9.4811% | 2,300 |
| Core capital (leverage) ratio | 10.1086% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,925,882,500 | 570 |
| Average earning assets | $1,881,844,500 | 543 |
| Average equity | $185,133,500 | 591 |
| Average total loans | $1,265,297,500 | 537 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9539% | 3,955 |
| Cost of funding earning assets | 0.6069% | 527 |
| Net interest margin | 2.3471% | 4,372 |
| Noninterest income to average assets | 0.0996% | 4,606 |
| Noninterest expense to average assets | 1.6437% | 4,369 |
| Loan and lease loss provision to assets | 0.0893% | 1,387 |
| Net operating income to assets | 0.5016% | 4,080 |
| Return on assets (ROA) | 0.4692% | 4,188 |
| Pretax return on assets | 0.6076% | 4,094 |
| Return on Equity (ROE) | 4.8435% | 4,028 |
| Retained earnings to average equity (ytd only) | 0.2122% | 4,435 |
| Net charge-offs to loans | 0.3798% | 221 |
| Credit loss provision to net charge-offs | 33.7639% | 2,221 |
| Earnings coverage of net charge-offs (x) | 2.7886% | 2,571 |
| Efficiency ratio | 69.0175% | 1,856 |
| Assets per employee ($millions) | 13.8215% | 253 |
| Cash dividends to net income (ytd only)* | 95.6181% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 4,243 |
| Loan loss allowance to noncurrent loans | 87.5458% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 817 |
| Noncurrent loans to loans | 0.9317% | 1,088 |
| Net loans and leases to total assets | 65.0463% | 1,579 |
| Net loans and leases to deposits | 83.3162% | 961 |
| Net loans and leases to core deposits | 107.5335% | 332 |
| Total domestic deposits to total assets | 78.0716% | 4,385 |
| Equity capital to assets | 9.7453% | 2,894 |
| Core capital (leverage) ratio | 10.1398% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,930,786,600 | 555 |
| Average earning assets | $1,877,233,600 | 526 |
| Average equity | $187,054,000 | 580 |
| Average total loans | $1,345,018,600 | 510 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9505% | 4,080 |
| Cost of funding earning assets | 0.6273% | 547 |
| Net interest margin | 2.3232% | 4,468 |
| Noninterest income to average assets | 0.0928% | 4,697 |
| Noninterest expense to average assets | 1.6637% | 4,388 |
| Loan and lease loss provision to assets | 0.0397% | 2,203 |
| Net operating income to assets | 0.4907% | 4,225 |
| Return on assets (ROA) | 0.4615% | 4,312 |
| Pretax return on assets | 0.6063% | 4,222 |
| Return on Equity (ROE) | 4.7711% | 4,172 |
| Retained earnings to average equity (ytd only) | -0.2075% | 4,585 |
| Net charge-offs to loans | -0.0001% | 3,062 |
| Credit loss provision to net charge-offs | -57,500.0000% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9000% | 1,502 |
| Assets per employee ($millions) | 13.7703% | 260 |
| Cash dividends to net income (ytd only)* | 104.3485% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,498 |
| Loan loss allowance to noncurrent loans | 3,022.7176% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 3,018 |
| Noncurrent loans to loans | 0.0360% | 3,948 |
| Net loans and leases to total assets | 67.1762% | 1,411 |
| Net loans and leases to deposits | 91.2042% | 535 |
| Net loans and leases to core deposits | 121.2790% | 176 |
| Total domestic deposits to total assets | 73.6548% | 4,652 |
| Equity capital to assets | 9.6894% | 3,195 |
| Core capital (leverage) ratio | 10.4734% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,933,186,750 | 556 |
| Average earning assets | $1,875,445,250 | 526 |
| Average equity | $187,011,000 | 583 |
| Average total loans | $1,366,288,750 | 510 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9408% | 4,158 |
| Cost of funding earning assets | 0.6546% | 552 |
| Net interest margin | 2.2862% | 4,529 |
| Noninterest income to average assets | 0.0951% | 4,709 |
| Noninterest expense to average assets | 1.6801% | 4,389 |
| Loan and lease loss provision to assets | 0.0517% | 2,000 |
| Net operating income to assets | 0.4396% | 4,319 |
| Return on assets (ROA) | 0.4258% | 4,380 |
| Pretax return on assets | 0.5575% | 4,299 |
| Return on Equity (ROE) | 4.4045% | 4,251 |
| Retained earnings to average equity (ytd only) | 0.1197% | 4,493 |
| Net charge-offs to loans | -0.0001% | 3,020 |
| Credit loss provision to net charge-offs | -50,000.0000% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8369% | 1,349 |
| Assets per employee ($millions) | 13.9946% | 233 |
| Cash dividends to net income (ytd only)* | 97.2816% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,626 |
| Loan loss allowance to noncurrent loans | 3,006.7941% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 3,178 |
| Noncurrent loans to loans | 0.0349% | 4,025 |
| Net loans and leases to total assets | 68.1374% | 1,427 |
| Net loans and leases to deposits | 92.3801% | 526 |
| Net loans and leases to core deposits | 121.4099% | 202 |
| Total domestic deposits to total assets | 73.7577% | 4,664 |
| Equity capital to assets | 9.5635% | 3,275 |
| Core capital (leverage) ratio | 10.1714% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,934,970,333 | 546 |
| Average earning assets | $1,871,869,667 | 521 |
| Average equity | $187,082,667 | 578 |
| Average total loans | $1,385,290,333 | 505 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9283% | 4,216 |
| Cost of funding earning assets | 0.6816% | 586 |
| Net interest margin | 2.2467% | 4,572 |
| Noninterest income to average assets | 0.1134% | 4,628 |
| Noninterest expense to average assets | 1.6806% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4796% | 4,215 |
| Return on assets (ROA) | 0.3578% | 4,463 |
| Pretax return on assets | 0.4641% | 4,404 |
| Return on Equity (ROE) | 3.6804% | 4,349 |
| Retained earnings to average equity (ytd only) | -1.5256% | 4,508 |
| Net charge-offs to loans | -0.0003% | 3,006 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1065% | 1,394 |
| Assets per employee ($millions) | 13.7859% | 248 |
| Cash dividends to net income (ytd only)* | 141.4535% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,951 |
| Loan loss allowance to noncurrent loans | 622.9822% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 3,337 |
| Noncurrent loans to loans | 0.1564% | 3,549 |
| Net loans and leases to total assets | 71.9456% | 1,034 |
| Net loans and leases to deposits | 92.4245% | 568 |
| Net loans and leases to core deposits | 119.5859% | 245 |
| Total domestic deposits to total assets | 77.8426% | 4,452 |
| Equity capital to assets | 9.6474% | 3,055 |
| Core capital (leverage) ratio | 10.2137% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,922,832,500 | 548 |
| Average earning assets | $1,870,440,500 | 516 |
| Average equity | $186,937,500 | 572 |
| Average total loans | $1,403,364,500 | 500 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3449% | 4,270 |
| Cost of funding earning assets | 1.1639% | 322 |
| Net interest margin | 2.1810% | 4,771 |
| Noninterest income to average assets | 0.1139% | 4,693 |
| Noninterest expense to average assets | 1.6141% | 4,691 |
| Loan and lease loss provision to assets | 0.1548% | 2,434 |
| Net operating income to assets | 0.3682% | 4,308 |
| Return on assets (ROA) | 0.4276% | 4,268 |
| Pretax return on assets | 0.5604% | 4,163 |
| Return on Equity (ROE) | 4.4625% | 4,037 |
| Retained earnings to average equity (ytd only) | 2.9581% | 3,383 |
| Net charge-offs to loans | -0.0195% | 4,421 |
| Credit loss provision to net charge-offs | -1,027.6817% | 4,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6063% | 1,735 |
| Assets per employee ($millions) | 13.6831% | 229 |
| Cash dividends to net income (ytd only)* | 33.7113% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,971 |
| Loan loss allowance to noncurrent loans | 596.2898% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,418 |
| Noncurrent loans to loans | 0.1631% | 3,623 |
| Net loans and leases to total assets | 72.6043% | 1,210 |
| Net loans and leases to deposits | 93.7067% | 675 |
| Net loans and leases to core deposits | 124.4509% | 261 |
| Total domestic deposits to total assets | 77.4804% | 4,367 |
| Equity capital to assets | 9.7972% | 3,319 |
| Core capital (leverage) ratio | 9.6587% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,918,018,000 | 490 |
| Average earning assets | $1,882,213,600 | 468 |
| Average equity | $183,798,600 | 550 |
| Average total loans | $1,481,641,400 | 452 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 4,303 |
| Cost of funding earning assets | 1.2470% | 309 |
| Net interest margin | 2.1895% | 4,823 |
| Noninterest income to average assets | 0.0920% | 4,783 |
| Noninterest expense to average assets | 1.6217% | 4,714 |
| Loan and lease loss provision to assets | 0.1404% | 2,614 |
| Net operating income to assets | 0.3645% | 4,336 |
| Return on assets (ROA) | 0.4135% | 4,299 |
| Pretax return on assets | 0.5408% | 4,204 |
| Return on Equity (ROE) | 4.3391% | 4,084 |
| Retained earnings to average equity (ytd only) | 2.5524% | 3,712 |
| Net charge-offs to loans | -0.0253% | 4,477 |
| Credit loss provision to net charge-offs | -708.7719% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3687% | 1,599 |
| Assets per employee ($millions) | 14.1336% | 199 |
| Cash dividends to net income (ytd only)* | 41.1765% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 4,225 |
| Loan loss allowance to noncurrent loans | 531.4513% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 3,480 |
| Noncurrent loans to loans | 0.1600% | 3,742 |
| Net loans and leases to total assets | 76.5436% | 1,030 |
| Net loans and leases to deposits | 94.4740% | 886 |
| Net loans and leases to core deposits | 128.8566% | 259 |
| Total domestic deposits to total assets | 81.0208% | 3,659 |
| Equity capital to assets | 9.5863% | 3,620 |
| Core capital (leverage) ratio | 9.6130% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,918,613,250 | 481 |
| Average earning assets | $1,882,992,750 | 458 |
| Average equity | $182,828,750 | 544 |
| Average total loans | $1,500,927,750 | 445 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 4,268 |
| Cost of funding earning assets | 1.3366% | 310 |
| Net interest margin | 2.2568% | 4,853 |
| Noninterest income to average assets | 0.0769% | 4,848 |
| Noninterest expense to average assets | 1.6603% | 4,723 |
| Loan and lease loss provision to assets | 0.1683% | 2,323 |
| Net operating income to assets | 0.3532% | 4,327 |
| Return on assets (ROA) | 0.4112% | 4,274 |
| Pretax return on assets | 0.5371% | 4,182 |
| Return on Equity (ROE) | 4.3244% | 4,014 |
| Retained earnings to average equity (ytd only) | 2.5542% | 3,563 |
| Net charge-offs to loans | -0.0378% | 4,608 |
| Credit loss provision to net charge-offs | -566.9014% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4295% | 1,631 |
| Assets per employee ($millions) | 14.4574% | 185 |
| Cash dividends to net income (ytd only)* | 40.9357% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 4,308 |
| Loan loss allowance to noncurrent loans | 344.0403% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 3,341 |
| Noncurrent loans to loans | 0.2371% | 3,526 |
| Net loans and leases to total assets | 76.6186% | 1,055 |
| Net loans and leases to deposits | 92.0425% | 1,155 |
| Net loans and leases to core deposits | 128.7888% | 273 |
| Total domestic deposits to total assets | 83.2426% | 3,016 |
| Equity capital to assets | 9.4403% | 3,712 |
| Core capital (leverage) ratio | 9.5284% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,912,718,000 | 478 |
| Average earning assets | $1,877,575,667 | 452 |
| Average equity | $181,898,667 | 545 |
| Average total loans | $1,502,964,000 | 434 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 4,363 |
| Cost of funding earning assets | 1.5226% | 240 |
| Net interest margin | 2.1937% | 4,964 |
| Noninterest income to average assets | 0.0923% | 4,855 |
| Noninterest expense to average assets | 1.7507% | 4,721 |
| Loan and lease loss provision to assets | 0.0317% | 3,376 |
| Net operating income to assets | 0.3626% | 4,211 |
| Return on assets (ROA) | 0.3188% | 4,334 |
| Pretax return on assets | 0.4082% | 4,277 |
| Return on Equity (ROE) | 3.3399% | 4,134 |
| Retained earnings to average equity (ytd only) | 2.2155% | 3,363 |
| Net charge-offs to loans | -0.1285% | 4,871 |
| Credit loss provision to net charge-offs | -31.1203% | 3,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9492% | 1,343 |
| Assets per employee ($millions) | 14.5648% | 137 |
| Cash dividends to net income (ytd only)* | 33.6647% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7215% | 4,572 |
| Loan loss allowance to noncurrent loans | 280.9778% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 3,334 |
| Noncurrent loans to loans | 0.2568% | 3,574 |
| Net loans and leases to total assets | 78.9681% | 829 |
| Net loans and leases to deposits | 97.8657% | 730 |
| Net loans and leases to core deposits | 148.6608% | 121 |
| Total domestic deposits to total assets | 80.6903% | 3,726 |
| Equity capital to assets | 9.4391% | 4,276 |
| Core capital (leverage) ratio | 9.7379% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,893,205,000 | 470 |
| Average earning assets | $1,858,610,000 | 440 |
| Average equity | $180,723,000 | 545 |
| Average total loans | $1,500,598,500 | 423 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 3,801 |
| Cost of funding earning assets | 1.7976% | 143 |
| Net interest margin | 2.4094% | 5,009 |
| Noninterest income to average assets | 0.1493% | 4,745 |
| Noninterest expense to average assets | 1.6762% | 4,892 |
| Loan and lease loss provision to assets | 0.1567% | 1,346 |
| Net operating income to assets | 0.4999% | 4,404 |
| Return on assets (ROA) | 0.5038% | 4,449 |
| Pretax return on assets | 0.6739% | 4,271 |
| Return on Equity (ROE) | 5.0692% | 4,189 |
| Retained earnings to average equity (ytd only) | 3.0783% | 3,483 |
| Net charge-offs to loans | 0.1637% | 1,229 |
| Credit loss provision to net charge-offs | 121.7921% | 2,084 |
| Earnings coverage of net charge-offs (x) | 6.4180% | 2,980 |
| Efficiency ratio | 66.9947% | 2,619 |
| Assets per employee ($millions) | 13.8063% | 152 |
| Cash dividends to net income (ytd only)* | 39.2734% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 4,560 |
| Loan loss allowance to noncurrent loans | 242.3579% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 1,522 |
| Noncurrent loans to loans | 0.2916% | 3,386 |
| Net loans and leases to total assets | 78.4157% | 1,009 |
| Net loans and leases to deposits | 95.4502% | 998 |
| Net loans and leases to core deposits | 149.5049% | 118 |
| Total domestic deposits to total assets | 82.1535% | 3,464 |
| Equity capital to assets | 9.6560% | 4,216 |
| Core capital (leverage) ratio | 9.8372% | 3,693 |
| Tier 1 risk-based capital ratio | 10.3953% | 5,048 |
| Total risk-based capital ratio | 11.0109% | 5,118 |
| Memoranda: | ||
| Average total assets | $1,786,792,200 | 470 |
| Average earning assets | $1,744,750,200 | 445 |
| Average equity | $177,564,000 | 522 |
| Average total loans | $1,404,075,400 | 425 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 3,742 |
| Cost of funding earning assets | 1.8288% | 126 |
| Net interest margin | 2.4430% | 5,091 |
| Noninterest income to average assets | 0.1716% | 4,688 |
| Noninterest expense to average assets | 1.7004% | 4,923 |
| Loan and lease loss provision to assets | 0.1999% | 883 |
| Net operating income to assets | 0.4881% | 4,545 |
| Return on assets (ROA) | 0.5022% | 4,558 |
| Pretax return on assets | 0.6725% | 4,405 |
| Return on Equity (ROE) | 5.0164% | 4,324 |
| Retained earnings to average equity (ytd only) | 4.2517% | 3,271 |
| Net charge-offs to loans | 0.2446% | 726 |
| Credit loss provision to net charge-offs | 104.1257% | 2,175 |
| Earnings coverage of net charge-offs (x) | 4.4507% | 3,008 |
| Efficiency ratio | 66.5564% | 2,658 |
| Assets per employee ($millions) | 13.7274% | 152 |
| Cash dividends to net income (ytd only)* | 15.2448% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6933% | 4,675 |
| Loan loss allowance to noncurrent loans | 294.9013% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.8397% | 1,638 |
| Noncurrent loans to loans | 0.2351% | 3,700 |
| Net loans and leases to total assets | 78.5022% | 1,056 |
| Net loans and leases to deposits | 95.4959% | 1,074 |
| Net loans and leases to core deposits | 158.9442% | 94 |
| Total domestic deposits to total assets | 82.2048% | 3,414 |
| Equity capital to assets | 9.8675% | 4,142 |
| Core capital (leverage) ratio | 10.2772% | 3,328 |
| Tier 1 risk-based capital ratio | 10.5748% | 5,054 |
| Total risk-based capital ratio | 11.1763% | 5,154 |
| Memoranda: | ||
| Average total assets | $1,767,527,500 | 478 |
| Average earning assets | $1,724,285,750 | 450 |
| Average equity | $176,961,500 | 527 |
| Average total loans | $1,387,105,750 | 431 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 3,623 |
| Cost of funding earning assets | 1.8361% | 108 |
| Net interest margin | 2.4685% | 5,143 |
| Noninterest income to average assets | 0.1728% | 4,719 |
| Noninterest expense to average assets | 1.7638% | 4,910 |
| Loan and lease loss provision to assets | 0.2860% | 502 |
| Net operating income to assets | 0.3980% | 4,738 |
| Return on assets (ROA) | 0.4171% | 4,728 |
| Pretax return on assets | 0.5535% | 4,620 |
| Return on Equity (ROE) | 4.1456% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.1456% | 3,172 |
| Net charge-offs to loans | 0.4693% | 340 |
| Credit loss provision to net charge-offs | 77.8574% | 2,246 |
| Earnings coverage of net charge-offs (x) | 2.2192% | 2,961 |
| Efficiency ratio | 68.3893% | 2,468 |
| Assets per employee ($millions) | 13.1454% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6563% | 4,787 |
| Loan loss allowance to noncurrent loans | 181.7642% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 1,442 |
| Noncurrent loans to loans | 0.3610% | 3,239 |
| Net loans and leases to total assets | 78.9774% | 1,043 |
| Net loans and leases to deposits | 93.3942% | 1,324 |
| Net loans and leases to core deposits | 153.5630% | 116 |
| Total domestic deposits to total assets | 84.5635% | 2,661 |
| Equity capital to assets | 10.0973% | 3,890 |
| Core capital (leverage) ratio | 10.2967% | 3,291 |
| Tier 1 risk-based capital ratio | 10.6545% | 5,052 |
| Total risk-based capital ratio | 11.2176% | 5,177 |
| Memoranda: | ||
| Average total assets | $1,748,121,000 | 484 |
| Average earning assets | $1,704,113,000 | 453 |
| Average equity | $175,897,000 | 525 |
| Average total loans | $1,368,388,670 | 437 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 3,637 |
| Cost of funding earning assets | 1.7961% | 102 |
| Net interest margin | 2.4776% | 5,198 |
| Noninterest income to average assets | 0.2152% | 4,457 |
| Noninterest expense to average assets | 1.7445% | 4,972 |
| Loan and lease loss provision to assets | -0.0230% | 5,228 |
| Net operating income to assets | 0.6675% | 4,034 |
| Return on assets (ROA) | 0.6806% | 4,037 |
| Pretax return on assets | 0.9236% | 3,684 |
| Return on Equity (ROE) | 6.7759% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.7759% | 2,123 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3667% | 2,888 |
| Assets per employee ($millions) | 14.6232% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7130% | 4,751 |
| Loan loss allowance to noncurrent loans | 63.4780% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.4842% | 813 |
| Noncurrent loans to loans | 1.1232% | 1,486 |
| Net loans and leases to total assets | 77.7759% | 1,195 |
| Net loans and leases to deposits | 92.5497% | 1,335 |
| Net loans and leases to core deposits | 142.2523% | 168 |
| Total domestic deposits to total assets | 84.0369% | 3,034 |
| Equity capital to assets | 10.0700% | 3,752 |
| Core capital (leverage) ratio | 10.2946% | 3,281 |
| Tier 1 risk-based capital ratio | 10.7530% | 5,088 |
| Total risk-based capital ratio | 11.3595% | 5,213 |
| Memoranda: | ||
| Average total assets | $1,741,438,000 | 489 |
| Average earning assets | $1,696,319,000 | 458 |
| Average equity | $174,914,500 | 524 |
| Average total loans | $1,352,400,000 | 443 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 4,134 |
| Cost of funding earning assets | 1.4229% | 126 |
| Net interest margin | 2.5391% | 5,195 |
| Noninterest income to average assets | 0.1321% | 5,033 |
| Noninterest expense to average assets | 1.6299% | 5,147 |
| Loan and lease loss provision to assets | 0.1258% | 1,745 |
| Net operating income to assets | 0.7809% | 3,876 |
| Return on assets (ROA) | 0.7808% | 3,878 |
| Pretax return on assets | 0.8746% | 3,965 |
| Return on Equity (ROE) | 7.9369% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.3886% | 1,979 |
| Net charge-offs to loans | -0.0077% | 4,434 |
| Credit loss provision to net charge-offs | -2,063.1068% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9633% | 3,532 |
| Assets per employee ($millions) | 14.1647% | 119 |
| Cash dividends to net income (ytd only)* | 19.5072% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7443% | 4,693 |
| Loan loss allowance to noncurrent loans | 188.4110% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 1,507 |
| Noncurrent loans to loans | 0.3951% | 3,117 |
| Net loans and leases to total assets | 76.4021% | 1,536 |
| Net loans and leases to deposits | 89.6040% | 1,846 |
| Net loans and leases to core deposits | 136.5323% | 236 |
| Total domestic deposits to total assets | 85.2664% | 2,522 |
| Equity capital to assets | 10.0181% | 3,667 |
| Core capital (leverage) ratio | 10.1254% | 3,429 |
| Tier 1 risk-based capital ratio | 11.0057% | 4,981 |
| Total risk-based capital ratio | 11.6424% | 5,129 |
| Memoranda: | ||
| Average total assets | $1,689,320,200 | 488 |
| Average earning assets | $1,662,186,600 | 453 |
| Average equity | $166,186,200 | 530 |
| Average total loans | $1,336,605,200 | 437 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 4,251 |
| Cost of funding earning assets | 1.3221% | 155 |
| Net interest margin | 2.5593% | 5,243 |
| Noninterest income to average assets | 0.0872% | 5,253 |
| Noninterest expense to average assets | 1.5861% | 5,218 |
| Loan and lease loss provision to assets | 0.1774% | 1,031 |
| Net operating income to assets | 0.8072% | 3,876 |
| Return on assets (ROA) | 0.8078% | 3,881 |
| Pretax return on assets | 0.8458% | 4,179 |
| Return on Equity (ROE) | 8.2502% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.1642% | 2,570 |
| Net charge-offs to loans | -0.0100% | 4,396 |
| Credit loss provision to net charge-offs | -2,235.0000% | 4,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8009% | 3,687 |
| Assets per employee ($millions) | 13.8691% | 126 |
| Cash dividends to net income (ytd only)* | 25.2850% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 4,719 |
| Loan loss allowance to noncurrent loans | 70.0056% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 1,768 |
| Noncurrent loans to loans | 1.0941% | 1,556 |
| Net loans and leases to total assets | 76.0091% | 1,660 |
| Net loans and leases to deposits | 91.6087% | 1,670 |
| Net loans and leases to core deposits | 148.1594% | 144 |
| Total domestic deposits to total assets | 82.9714% | 3,317 |
| Equity capital to assets | 9.9679% | 3,683 |
| Core capital (leverage) ratio | 10.2014% | 3,409 |
| Tier 1 risk-based capital ratio | 10.8822% | 5,088 |
| Total risk-based capital ratio | 11.5297% | 5,232 |
| Memoranda: | ||
| Average total assets | $1,679,626,500 | 488 |
| Average earning assets | $1,654,850,000 | 454 |
| Average equity | $164,452,000 | 525 |
| Average total loans | $1,338,206,000 | 430 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 4,340 |
| Cost of funding earning assets | 1.2146% | 175 |
| Net interest margin | 2.5903% | 5,285 |
| Noninterest income to average assets | 0.0900% | 5,296 |
| Noninterest expense to average assets | 1.6159% | 5,256 |
| Loan and lease loss provision to assets | 0.2526% | 610 |
| Net operating income to assets | 0.8533% | 3,663 |
| Return on assets (ROA) | 0.8543% | 3,658 |
| Pretax return on assets | 0.7758% | 4,317 |
| Return on Equity (ROE) | 8.7792% | 3,129 |
| Retained earnings to average equity (ytd only) | 5.6142% | 2,764 |
| Net charge-offs to loans | 0.0111% | 2,753 |
| Credit loss provision to net charge-offs | 2,813.3333% | 153 |
| Earnings coverage of net charge-offs (x) | 114.4400% | 630 |
| Efficiency ratio | 61.1330% | 3,748 |
| Assets per employee ($millions) | 13.6501% | 130 |
| Cash dividends to net income (ytd only)* | 36.0516% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7215% | 4,890 |
| Loan loss allowance to noncurrent loans | 66.1533% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 1,724 |
| Noncurrent loans to loans | 1.0907% | 1,620 |
| Net loans and leases to total assets | 78.9161% | 1,173 |
| Net loans and leases to deposits | 95.0515% | 1,240 |
| Net loans and leases to core deposits | 151.4717% | 110 |
| Total domestic deposits to total assets | 83.0246% | 3,408 |
| Equity capital to assets | 9.8627% | 3,761 |
| Core capital (leverage) ratio | 10.1899% | 3,371 |
| Tier 1 risk-based capital ratio | 10.6434% | 5,212 |
| Total risk-based capital ratio | 11.2686% | 5,364 |
| Memoranda: | ||
| Average total assets | $1,670,867,670 | 488 |
| Average earning assets | $1,647,021,330 | 453 |
| Average equity | $162,588,670 | 530 |
| Average total loans | $1,348,725,000 | 430 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 4,506 |
| Cost of funding earning assets | 1.1326% | 190 |
| Net interest margin | 2.5499% | 5,355 |
| Noninterest income to average assets | 0.0759% | 5,409 |
| Noninterest expense to average assets | 1.6055% | 5,325 |
| Loan and lease loss provision to assets | 0.4337% | 247 |
| Net operating income to assets | 0.9851% | 2,911 |
| Return on assets (ROA) | 0.9870% | 2,936 |
| Pretax return on assets | 0.5535% | 4,786 |
| Return on Equity (ROE) | 10.2136% | 2,328 |
| Retained earnings to average equity (ytd only) | 3.7977% | 3,677 |
| Net charge-offs to loans | 0.0545% | 1,563 |
| Credit loss provision to net charge-offs | 978.2609% | 353 |
| Earnings coverage of net charge-offs (x) | 22.2228% | 1,407 |
| Efficiency ratio | 61.9699% | 3,788 |
| Assets per employee ($millions) | 14.6025% | 105 |
| Cash dividends to net income (ytd only)* | 62.8174% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6707% | 5,077 |
| Loan loss allowance to noncurrent loans | 63.2766% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 1,841 |
| Noncurrent loans to loans | 1.0599% | 1,728 |
| Net loans and leases to total assets | 80.5242% | 865 |
| Net loans and leases to deposits | 95.2031% | 1,107 |
| Net loans and leases to core deposits | 167.4848% | 66 |
| Total domestic deposits to total assets | 84.5815% | 3,081 |
| Equity capital to assets | 9.6004% | 3,994 |
| Core capital (leverage) ratio | 10.3091% | 3,182 |
| Tier 1 risk-based capital ratio | 10.2750% | 5,420 |
| Total risk-based capital ratio | 10.8632% | 5,529 |
| Memoranda: | ||
| Average total assets | $1,659,995,000 | 494 |
| Average earning assets | $1,637,265,500 | 459 |
| Average equity | $160,414,000 | 543 |
| Average total loans | $1,350,361,500 | 431 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5334% | 4,729 |
| Cost of funding earning assets | 0.9511% | 286 |
| Net interest margin | 2.5823% | 5,361 |
| Noninterest income to average assets | 0.1115% | 5,366 |
| Noninterest expense to average assets | 1.5402% | 5,451 |
| Loan and lease loss provision to assets | 0.1595% | 1,408 |
| Net operating income to assets | 0.9571% | 2,414 |
| Return on assets (ROA) | 0.9751% | 2,391 |
| Pretax return on assets | 0.9751% | 3,658 |
| Return on Equity (ROE) | 9.9996% | 1,885 |
| Retained earnings to average equity (ytd only) | 0.9161% | 4,653 |
| Net charge-offs to loans | 0.3032% | 856 |
| Credit loss provision to net charge-offs | 63.5681% | 3,181 |
| Earnings coverage of net charge-offs (x) | 4.4503% | 3,465 |
| Efficiency ratio | 57.9718% | 4,530 |
| Assets per employee ($millions) | 14.7844% | 98 |
| Cash dividends to net income (ytd only)* | 90.8382% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5832% | 5,273 |
| Loan loss allowance to noncurrent loans | 52.0698% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 1,593 |
| Noncurrent loans to loans | 1.1200% | 1,575 |
| Net loans and leases to total assets | 81.1674% | 808 |
| Net loans and leases to deposits | 96.4031% | 1,048 |
| Net loans and leases to core deposits | 167.4438% | 70 |
| Total domestic deposits to total assets | 84.1959% | 3,126 |
| Equity capital to assets | 9.7305% | 3,990 |
| Core capital (leverage) ratio | 10.1083% | 3,308 |
| Tier 1 risk-based capital ratio | 10.2131% | 5,475 |
| Total risk-based capital ratio | 10.7203% | 5,588 |
| Memoranda: | ||
| Average total assets | $1,539,180,600 | 507 |
| Average earning assets | $1,517,199,600 | 474 |
| Average equity | $150,086,000 | 543 |
| Average total loans | $1,273,675,800 | 437 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4964% | 4,821 |
| Cost of funding earning assets | 0.9060% | 333 |
| Net interest margin | 2.5904% | 5,412 |
| Noninterest income to average assets | 0.1123% | 5,436 |
| Noninterest expense to average assets | 1.5625% | 5,479 |
| Loan and lease loss provision to assets | 0.1205% | 1,800 |
| Net operating income to assets | 0.9819% | 2,633 |
| Return on assets (ROA) | 1.0027% | 2,589 |
| Pretax return on assets | 1.0027% | 3,680 |
| Return on Equity (ROE) | 10.2770% | 1,996 |
| Retained earnings to average equity (ytd only) | 1.1428% | 4,933 |
| Net charge-offs to loans | 0.3010% | 699 |
| Credit loss provision to net charge-offs | 48.2118% | 2,930 |
| Earnings coverage of net charge-offs (x) | 4.4099% | 3,231 |
| Efficiency ratio | 58.6324% | 4,411 |
| Assets per employee ($millions) | 14.4017% | 99 |
| Cash dividends to net income (ytd only)* | 88.8801% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5860% | 5,352 |
| Loan loss allowance to noncurrent loans | 45.2748% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 1,447 |
| Noncurrent loans to loans | 1.2942% | 1,476 |
| Net loans and leases to total assets | 82.9338% | 552 |
| Net loans and leases to deposits | 99.8105% | 757 |
| Net loans and leases to core deposits | 171.1514% | 63 |
| Total domestic deposits to total assets | 83.0913% | 3,429 |
| Equity capital to assets | 9.9487% | 3,962 |
| Core capital (leverage) ratio | 10.0480% | 3,516 |
| Tier 1 risk-based capital ratio | 10.3926% | 5,489 |
| Total risk-based capital ratio | 10.9105% | 5,632 |
| Memoranda: | ||
| Average total assets | $1,521,102,000 | 513 |
| Average earning assets | $1,498,914,000 | 481 |
| Average equity | $148,406,000 | 551 |
| Average total loans | $1,263,174,250 | 441 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4237% | 4,929 |
| Cost of funding earning assets | 0.8569% | 391 |
| Net interest margin | 2.5668% | 5,460 |
| Noninterest income to average assets | 0.1204% | 5,450 |
| Noninterest expense to average assets | 1.5483% | 5,532 |
| Loan and lease loss provision to assets | 0.1225% | 1,689 |
| Net operating income to assets | 0.9781% | 2,532 |
| Return on assets (ROA) | 0.9945% | 2,501 |
| Pretax return on assets | 0.9945% | 3,588 |
| Return on Equity (ROE) | 10.2628% | 1,926 |
| Retained earnings to average equity (ytd only) | 1.5544% | 4,625 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4496% | 4,538 |
| Assets per employee ($millions) | 13.6426% | 115 |
| Cash dividends to net income (ytd only)* | 84.8541% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 4,991 |
| Loan loss allowance to noncurrent loans | 47.5839% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.3639% | 1,164 |
| Noncurrent loans to loans | 1.6402% | 1,121 |
| Net loans and leases to total assets | 82.5055% | 603 |
| Net loans and leases to deposits | 99.4492% | 779 |
| Net loans and leases to core deposits | 160.4415% | 91 |
| Total domestic deposits to total assets | 82.9625% | 3,582 |
| Equity capital to assets | 9.6793% | 4,248 |
| Core capital (leverage) ratio | 9.8926% | 3,665 |
| Tier 1 risk-based capital ratio | 10.1619% | 5,587 |
| Total risk-based capital ratio | 10.8471% | 5,680 |
| Memoranda: | ||
| Average total assets | $1,509,675,670 | 519 |
| Average earning assets | $1,487,162,330 | 487 |
| Average equity | $146,294,670 | 557 |
| Average total loans | $1,251,719,000 | 446 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3442% | 5,042 |
| Cost of funding earning assets | 0.8275% | 423 |
| Net interest margin | 2.5167% | 5,535 |
| Noninterest income to average assets | 0.1395% | 5,412 |
| Noninterest expense to average assets | 1.5773% | 5,576 |
| Loan and lease loss provision to assets | 0.0536% | 2,735 |
| Net operating income to assets | 0.9855% | 2,366 |
| Return on assets (ROA) | 0.9873% | 2,408 |
| Pretax return on assets | 0.9873% | 3,420 |
| Return on Equity (ROE) | 10.1828% | 1,885 |
| Retained earnings to average equity (ytd only) | 2.5933% | 4,101 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2866% | 4,420 |
| Assets per employee ($millions) | 14.6731% | 92 |
| Cash dividends to net income (ytd only)* | 74.5321% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 5,224 |
| Loan loss allowance to noncurrent loans | 61.5221% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0317% | 1,759 |
| Noncurrent loans to loans | 1.2040% | 1,678 |
| Net loans and leases to total assets | 82.2830% | 539 |
| Net loans and leases to deposits | 99.6864% | 635 |
| Net loans and leases to core deposits | 156.6484% | 87 |
| Total domestic deposits to total assets | 82.5418% | 3,994 |
| Equity capital to assets | 9.6648% | 4,106 |
| Core capital (leverage) ratio | 10.0707% | 3,414 |
| Tier 1 risk-based capital ratio | 10.1381% | 5,667 |
| Total risk-based capital ratio | 10.7820% | 5,759 |
| Memoranda: | ||
| Average total assets | $1,493,707,000 | 524 |
| Average earning assets | $1,470,028,500 | 491 |
| Average equity | $144,833,000 | 556 |
| Average total loans | $1,236,618,000 | 450 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2227% | 5,267 |
| Cost of funding earning assets | 0.8269% | 439 |
| Net interest margin | 2.3958% | 5,648 |
| Noninterest income to average assets | 0.1032% | 5,638 |
| Noninterest expense to average assets | 1.4998% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9513% | 2,578 |
| Return on assets (ROA) | 0.9633% | 2,627 |
| Pretax return on assets | 0.9633% | 3,605 |
| Return on Equity (ROE) | 9.8848% | 2,009 |
| Retained earnings to average equity (ytd only) | 6.3670% | 1,516 |
| Net charge-offs to loans | -0.1297% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1884% | 4,382 |
| Assets per employee ($millions) | 14.1932% | 102 |
| Cash dividends to net income (ytd only)* | 35.5879% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 5,255 |
| Loan loss allowance to noncurrent loans | 67.9132% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.1276% | 1,646 |
| Noncurrent loans to loans | 1.0955% | 1,903 |
| Net loans and leases to total assets | 82.0623% | 599 |
| Net loans and leases to deposits | 100.4376% | 643 |
| Net loans and leases to core deposits | 169.4172% | 61 |
| Total domestic deposits to total assets | 81.7048% | 4,147 |
| Equity capital to assets | 9.7284% | 4,028 |
| Core capital (leverage) ratio | 10.1088% | 3,351 |
| Tier 1 risk-based capital ratio | 10.3272% | 5,652 |
| Total risk-based capital ratio | 10.9796% | 5,769 |
| Memoranda: | ||
| Average total assets | $1,454,947,800 | 519 |
| Average earning assets | $1,425,810,200 | 488 |
| Average equity | $141,793,800 | 557 |
| Average total loans | $1,193,339,200 | 443 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2124% | 5,348 |
| Cost of funding earning assets | 0.8232% | 441 |
| Net interest margin | 2.3892% | 5,724 |
| Noninterest income to average assets | 0.1140% | 5,665 |
| Noninterest expense to average assets | 1.4963% | 5,764 |
| Loan and lease loss provision to assets | 0.0138% | 3,977 |
| Net operating income to assets | 0.9437% | 2,683 |
| Return on assets (ROA) | 0.9598% | 2,754 |
| Pretax return on assets | 0.9598% | 3,775 |
| Return on Equity (ROE) | 9.8444% | 2,119 |
| Retained earnings to average equity (ytd only) | 7.1201% | 1,563 |
| Net charge-offs to loans | -0.1739% | 5,727 |
| Credit loss provision to net charge-offs | -9.6899% | 4,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9783% | 4,397 |
| Assets per employee ($millions) | 14.4967% | 90 |
| Cash dividends to net income (ytd only)* | 27.6734% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 5,294 |
| Loan loss allowance to noncurrent loans | 69.0868% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1555% | 1,739 |
| Noncurrent loans to loans | 1.1059% | 2,037 |
| Net loans and leases to total assets | 82.6981% | 546 |
| Net loans and leases to deposits | 102.8313% | 514 |
| Net loans and leases to core deposits | 173.3549% | 63 |
| Total domestic deposits to total assets | 80.4211% | 4,414 |
| Equity capital to assets | 10.0374% | 4,095 |
| Core capital (leverage) ratio | 9.8414% | 3,763 |
| Tier 1 risk-based capital ratio | 10.3695% | 5,670 |
| Total risk-based capital ratio | 11.0392% | 5,819 |
| Memoranda: | ||
| Average total assets | $1,449,662,500 | 523 |
| Average earning assets | $1,419,658,250 | 487 |
| Average equity | $141,342,250 | 563 |
| Average total loans | $1,186,575,750 | 447 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1782% | 5,464 |
| Cost of funding earning assets | 0.8100% | 465 |
| Net interest margin | 2.3681% | 5,828 |
| Noninterest income to average assets | 0.0963% | 5,797 |
| Noninterest expense to average assets | 1.4577% | 5,869 |
| Loan and lease loss provision to assets | 0.0345% | 3,461 |
| Net operating income to assets | 0.9209% | 2,765 |
| Return on assets (ROA) | 0.9379% | 2,825 |
| Pretax return on assets | 0.9379% | 3,810 |
| Return on Equity (ROE) | 9.7147% | 2,173 |
| Retained earnings to average equity (ytd only) | 6.8637% | 1,688 |
| Net charge-offs to loans | 0.0322% | 2,813 |
| Credit loss provision to net charge-offs | 131.5789% | 1,758 |
| Earnings coverage of net charge-offs (x) | 36.4474% | 1,226 |
| Efficiency ratio | 60.4082% | 4,588 |
| Assets per employee ($millions) | 14.3487% | 91 |
| Cash dividends to net income (ytd only)* | 29.3469% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6450% | 5,624 |
| Loan loss allowance to noncurrent loans | 52.2289% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 1.2433% | 1,647 |
| Noncurrent loans to loans | 1.2350% | 1,862 |
| Net loans and leases to total assets | 78.3647% | 1,150 |
| Net loans and leases to deposits | 96.6581% | 1,009 |
| Net loans and leases to core deposits | 161.9053% | 86 |
| Total domestic deposits to total assets | 81.0741% | 4,251 |
| Equity capital to assets | 9.5900% | 4,684 |
| Core capital (leverage) ratio | 9.9523% | 3,620 |
| Tier 1 risk-based capital ratio | 10.3937% | 5,725 |
| Total risk-based capital ratio | 10.9588% | 5,887 |
| Memoranda: | ||
| Average total assets | $1,449,659,670 | 524 |
| Average earning assets | $1,418,241,330 | 485 |
| Average equity | $139,953,000 | 571 |
| Average total loans | $1,179,407,670 | 450 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2268% | 5,450 |
| Cost of funding earning assets | 0.8086% | 472 |
| Net interest margin | 2.4181% | 5,872 |
| Noninterest income to average assets | 0.1218% | 5,732 |
| Noninterest expense to average assets | 1.4965% | 5,914 |
| Loan and lease loss provision to assets | 0.0420% | 3,085 |
| Net operating income to assets | 0.9449% | 2,536 |
| Return on assets (ROA) | 0.9636% | 2,558 |
| Pretax return on assets | 0.9636% | 3,603 |
| Return on Equity (ROE) | 9.9469% | 2,004 |
| Retained earnings to average equity (ytd only) | 7.3655% | 1,719 |
| Net charge-offs to loans | 0.0274% | 2,391 |
| Credit loss provision to net charge-offs | 185.1852% | 1,130 |
| Earnings coverage of net charge-offs (x) | 43.5062% | 960 |
| Efficiency ratio | 60.2616% | 4,710 |
| Assets per employee ($millions) | 15.6302% | 77 |
| Cash dividends to net income (ytd only)* | 25.9518% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6373% | 5,692 |
| Loan loss allowance to noncurrent loans | 52.0331% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 1,663 |
| Noncurrent loans to loans | 1.2248% | 1,974 |
| Net loans and leases to total assets | 81.5275% | 624 |
| Net loans and leases to deposits | 102.3242% | 492 |
| Net loans and leases to core deposits | 167.0314% | 64 |
| Total domestic deposits to total assets | 79.6757% | 4,823 |
| Equity capital to assets | 9.6696% | 4,482 |
| Core capital (leverage) ratio | 9.9348% | 3,619 |
| Tier 1 risk-based capital ratio | 10.3077% | 5,823 |
| Total risk-based capital ratio | 10.8770% | 5,960 |
| Memoranda: | ||
| Average total assets | $1,428,355,500 | 529 |
| Average earning assets | $1,394,962,000 | 497 |
| Average equity | $138,375,000 | 572 |
| Average total loans | $1,180,610,000 | 445 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2266% | 5,478 |
| Cost of funding earning assets | 0.8099% | 466 |
| Net interest margin | 2.4166% | 5,886 |
| Noninterest income to average assets | 0.1139% | 5,834 |
| Noninterest expense to average assets | 1.4452% | 6,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0154% | 2,281 |
| Return on assets (ROA) | 1.0120% | 2,384 |
| Pretax return on assets | 1.0120% | 3,413 |
| Return on Equity (ROE) | 10.1580% | 1,953 |
| Retained earnings to average equity (ytd only) | 6.2088% | 1,696 |
| Net charge-offs to loans | 0.2062% | 1,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.9647% | 3,299 |
| Efficiency ratio | 58.7349% | 5,060 |
| Assets per employee ($millions) | 15.0871% | 80 |
| Cash dividends to net income (ytd only)* | 38.8782% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6446% | 5,731 |
| Loan loss allowance to noncurrent loans | 49.7326% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.3258% | 1,603 |
| Noncurrent loans to loans | 1.2961% | 1,817 |
| Net loans and leases to total assets | 82.7449% | 517 |
| Net loans and leases to deposits | 104.6568% | 412 |
| Net loans and leases to core deposits | 167.7672% | 64 |
| Total domestic deposits to total assets | 79.0631% | 4,968 |
| Equity capital to assets | 9.7065% | 4,296 |
| Core capital (leverage) ratio | 9.8001% | 3,772 |
| Tier 1 risk-based capital ratio | 10.3500% | 5,841 |
| Total risk-based capital ratio | 10.9294% | 6,003 |
| Memoranda: | ||
| Average total assets | $1,329,983,200 | 539 |
| Average earning assets | $1,291,470,600 | 505 |
| Average equity | $132,506,400 | 575 |
| Average total loans | $1,098,044,200 | 445 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2641% | 5,478 |
| Cost of funding earning assets | 0.8011% | 494 |
| Net interest margin | 2.4629% | 5,934 |
| Noninterest income to average assets | 0.1119% | 5,907 |
| Noninterest expense to average assets | 1.4414% | 6,074 |
| Loan and lease loss provision to assets | 0.0686% | 2,803 |
| Net operating income to assets | 0.9915% | 2,510 |
| Return on assets (ROA) | 0.9870% | 2,616 |
| Pretax return on assets | 0.9870% | 3,663 |
| Return on Equity (ROE) | 9.8388% | 2,170 |
| Retained earnings to average equity (ytd only) | 5.4412% | 2,616 |
| Net charge-offs to loans | 0.1818% | 1,395 |
| Credit loss provision to net charge-offs | 45.8248% | 3,085 |
| Earnings coverage of net charge-offs (x) | 7.0801% | 2,956 |
| Efficiency ratio | 57.6229% | 5,166 |
| Assets per employee ($millions) | 15.0191% | 81 |
| Cash dividends to net income (ytd only)* | 44.6962% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 5,494 |
| Loan loss allowance to noncurrent loans | 196.4629% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 4,004 |
| Noncurrent loans to loans | 0.4116% | 4,133 |
| Net loans and leases to total assets | 78.1752% | 1,074 |
| Net loans and leases to deposits | 96.1900% | 987 |
| Net loans and leases to core deposits | 158.8720% | 77 |
| Total domestic deposits to total assets | 81.2716% | 4,404 |
| Equity capital to assets | 9.5070% | 4,740 |
| Core capital (leverage) ratio | 9.8281% | 3,864 |
| Tier 1 risk-based capital ratio | 10.5188% | 5,875 |
| Total risk-based capital ratio | 11.2336% | 6,001 |
| Memoranda: | ||
| Average total assets | $1,311,703,500 | 547 |
| Average earning assets | $1,272,655,000 | 517 |
| Average equity | $131,585,000 | 585 |
| Average total loans | $1,080,423,250 | 451 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3094% | 5,423 |
| Cost of funding earning assets | 0.7996% | 502 |
| Net interest margin | 2.5098% | 5,954 |
| Noninterest income to average assets | 0.1111% | 5,986 |
| Noninterest expense to average assets | 1.4473% | 6,144 |
| Loan and lease loss provision to assets | 0.1056% | 2,067 |
| Net operating income to assets | 0.9929% | 2,424 |
| Return on assets (ROA) | 0.9900% | 2,548 |
| Pretax return on assets | 0.9900% | 3,622 |
| Return on Equity (ROE) | 9.6827% | 2,213 |
| Retained earnings to average equity (ytd only) | 5.2912% | 2,679 |
| Net charge-offs to loans | 0.1604% | 1,513 |
| Credit loss provision to net charge-offs | 78.6713% | 2,350 |
| Earnings coverage of net charge-offs (x) | 8.1830% | 2,588 |
| Efficiency ratio | 56.8523% | 5,353 |
| Assets per employee ($millions) | 13.8191% | 99 |
| Cash dividends to net income (ytd only)* | 45.3540% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 5,321 |
| Loan loss allowance to noncurrent loans | 182.3753% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 3,999 |
| Noncurrent loans to loans | 0.4893% | 4,007 |
| Net loans and leases to total assets | 83.0679% | 466 |
| Net loans and leases to deposits | 106.4821% | 358 |
| Net loans and leases to core deposits | 148.1972% | 118 |
| Total domestic deposits to total assets | 78.0111% | 5,282 |
| Equity capital to assets | 10.2400% | 3,764 |
| Core capital (leverage) ratio | 10.3534% | 3,139 |
| Tier 1 risk-based capital ratio | 10.7944% | 5,804 |
| Total risk-based capital ratio | 11.5891% | 5,921 |
| Memoranda: | ||
| Average total assets | $1,278,339,670 | 556 |
| Average earning assets | $1,240,097,000 | 527 |
| Average equity | $130,706,670 | 585 |
| Average total loans | $1,069,673,670 | 455 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 5,383 |
| Cost of funding earning assets | 0.7953% | 518 |
| Net interest margin | 2.5317% | 5,985 |
| Noninterest income to average assets | 0.1045% | 6,061 |
| Noninterest expense to average assets | 1.4624% | 6,198 |
| Loan and lease loss provision to assets | 0.0784% | 2,386 |
| Net operating income to assets | 1.0238% | 2,149 |
| Return on assets (ROA) | 1.0244% | 2,295 |
| Pretax return on assets | 1.0244% | 3,408 |
| Return on Equity (ROE) | 10.0262% | 2,000 |
| Retained earnings to average equity (ytd only) | 5.7271% | 2,645 |
| Net charge-offs to loans | 0.0499% | 2,287 |
| Credit loss provision to net charge-offs | 187.9699% | 1,089 |
| Earnings coverage of net charge-offs (x) | 26.4135% | 1,241 |
| Efficiency ratio | 57.0223% | 5,435 |
| Assets per employee ($millions) | 14.6021% | 82 |
| Cash dividends to net income (ytd only)* | 42.8790% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 5,279 |
| Loan loss allowance to noncurrent loans | 294.7666% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 4,753 |
| Noncurrent loans to loans | 0.3198% | 4,647 |
| Net loans and leases to total assets | 81.0715% | 560 |
| Net loans and leases to deposits | 101.3647% | 487 |
| Net loans and leases to core deposits | 141.7012% | 145 |
| Total domestic deposits to total assets | 79.9801% | 5,056 |
| Equity capital to assets | 10.2293% | 3,852 |
| Core capital (leverage) ratio | 10.4384% | 3,047 |
| Tier 1 risk-based capital ratio | 10.8808% | 5,860 |
| Total risk-based capital ratio | 11.7164% | 5,973 |
| Memoranda: | ||
| Average total assets | $1,274,920,500 | 554 |
| Average earning assets | $1,238,855,500 | 523 |
| Average equity | $130,259,000 | 586 |
| Average total loans | $1,065,919,000 | 455 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 5,376 |
| Cost of funding earning assets | 0.8015% | 645 |
| Net interest margin | 2.6755% | 5,976 |
| Noninterest income to average assets | 0.1071% | 6,124 |
| Noninterest expense to average assets | 1.4701% | 6,308 |
| Loan and lease loss provision to assets | 0.1461% | 1,804 |
| Net operating income to assets | 1.0953% | 1,989 |
| Return on assets (ROA) | 1.0966% | 2,041 |
| Pretax return on assets | 1.0966% | 3,098 |
| Return on Equity (ROE) | 10.5299% | 1,891 |
| Retained earnings to average equity (ytd only) | 4.6960% | 2,830 |
| Net charge-offs to loans | 0.0179% | 4,500 |
| Credit loss provision to net charge-offs | 951.0870% | 283 |
| Earnings coverage of net charge-offs (x) | 80.8370% | 619 |
| Efficiency ratio | 54.2184% | 5,822 |
| Assets per employee ($millions) | 14.2119% | 88 |
| Cash dividends to net income (ytd only)* | 55.4033% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 5,457 |
| Loan loss allowance to noncurrent loans | 183.3084% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 4,250 |
| Noncurrent loans to loans | 0.4947% | 4,176 |
| Net loans and leases to total assets | 84.6240% | 303 |
| Net loans and leases to deposits | 106.3566% | 345 |
| Net loans and leases to core deposits | 151.5957% | 109 |
| Total domestic deposits to total assets | 79.5663% | 5,130 |
| Equity capital to assets | 10.2046% | 3,847 |
| Core capital (leverage) ratio | 10.1937% | 3,316 |
| Tier 1 risk-based capital ratio | 10.6118% | 6,058 |
| Total risk-based capital ratio | 11.4291% | 6,156 |
| Memoranda: | ||
| Average total assets | $1,198,209,600 | 561 |
| Average earning assets | $1,166,368,600 | 534 |
| Average equity | $124,787,200 | 587 |
| Average total loans | $1,029,426,000 | 446 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4751% | 5,443 |
| Cost of funding earning assets | 0.7921% | 714 |
| Net interest margin | 2.6829% | 6,027 |
| Noninterest income to average assets | 0.1053% | 6,227 |
| Noninterest expense to average assets | 1.5096% | 6,349 |
| Loan and lease loss provision to assets | 0.1128% | 2,161 |
| Net operating income to assets | 1.0951% | 2,054 |
| Return on assets (ROA) | 1.0966% | 2,116 |
| Pretax return on assets | 1.0966% | 3,199 |
| Return on Equity (ROE) | 10.4732% | 2,018 |
| Retained earnings to average equity (ytd only) | 4.1363% | 3,714 |
| Net charge-offs to loans | -0.0129% | 5,488 |
| Credit loss provision to net charge-offs | -1,020.4082% | 5,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5496% | 5,697 |
| Assets per employee ($millions) | 14.3349% | 87 |
| Cash dividends to net income (ytd only)* | 60.5062% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 5,610 |
| Loan loss allowance to noncurrent loans | 352.5321% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 5,181 |
| Noncurrent loans to loans | 0.2543% | 5,144 |
| Net loans and leases to total assets | 84.6238% | 289 |
| Net loans and leases to deposits | 108.1575% | 261 |
| Net loans and leases to core deposits | 152.8540% | 96 |
| Total domestic deposits to total assets | 78.2413% | 5,477 |
| Equity capital to assets | 10.3564% | 3,730 |
| Core capital (leverage) ratio | 10.4329% | 3,117 |
| Tier 1 risk-based capital ratio | 10.8753% | 6,052 |
| Total risk-based capital ratio | 11.6862% | 6,179 |
| Memoranda: | ||
| Average total assets | $1,181,547,750 | 569 |
| Average earning assets | $1,150,450,500 | 536 |
| Average equity | $123,715,750 | 590 |
| Average total loans | $1,016,740,250 | 447 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4536% | 5,508 |
| Cost of funding earning assets | 0.7994% | 704 |
| Net interest margin | 2.6542% | 6,107 |
| Noninterest income to average assets | 0.1069% | 6,263 |
| Noninterest expense to average assets | 1.5248% | 6,406 |
| Loan and lease loss provision to assets | 0.1197% | 2,057 |
| Net operating income to assets | 1.0475% | 2,129 |
| Return on assets (ROA) | 1.0497% | 2,193 |
| Pretax return on assets | 1.0497% | 3,280 |
| Return on Equity (ROE) | 9.9877% | 2,159 |
| Retained earnings to average equity (ytd only) | 4.4055% | 3,373 |
| Net charge-offs to loans | -0.1019% | 6,149 |
| Credit loss provision to net charge-offs | -136.1868% | 5,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6400% | 5,686 |
| Assets per employee ($millions) | 13.1198% | 103 |
| Cash dividends to net income (ytd only)* | 55.8905% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 5,680 |
| Loan loss allowance to noncurrent loans | 323.9794% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 5,093 |
| Noncurrent loans to loans | 0.2823% | 5,172 |
| Net loans and leases to total assets | 85.6963% | 195 |
| Net loans and leases to deposits | 121.6955% | 73 |
| Net loans and leases to core deposits | 161.5114% | 74 |
| Total domestic deposits to total assets | 70.4186% | 6,337 |
| Equity capital to assets | 10.4798% | 3,461 |
| Core capital (leverage) ratio | 10.7145% | 2,706 |
| Tier 1 risk-based capital ratio | 10.8991% | 6,092 |
| Total risk-based capital ratio | 11.7291% | 6,203 |
| Memoranda: | ||
| Average total assets | $1,169,240,670 | 576 |
| Average earning assets | $1,138,810,000 | 540 |
| Average equity | $122,891,330 | 589 |
| Average total loans | $1,008,839,330 | 448 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 5,441 |
| Cost of funding earning assets | 0.8128% | 700 |
| Net interest margin | 2.6820% | 6,128 |
| Noninterest income to average assets | 0.0584% | 6,464 |
| Noninterest expense to average assets | 1.5275% | 6,473 |
| Loan and lease loss provision to assets | 0.1037% | 2,192 |
| Net operating income to assets | 1.0397% | 2,041 |
| Return on assets (ROA) | 1.0404% | 2,114 |
| Pretax return on assets | 1.0404% | 3,163 |
| Return on Equity (ROE) | 9.8836% | 2,085 |
| Retained earnings to average equity (ytd only) | 6.0898% | 2,492 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1909% | 5,731 |
| Assets per employee ($millions) | 13.4667% | 101 |
| Cash dividends to net income (ytd only)* | 38.3848% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 6,027 |
| Loan loss allowance to noncurrent loans | 579.8776% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 5,055 |
| Noncurrent loans to loans | 0.1444% | 5,661 |
| Net loans and leases to total assets | 86.1957% | 138 |
| Net loans and leases to deposits | 113.5467% | 107 |
| Net loans and leases to core deposits | 156.1112% | 81 |
| Total domestic deposits to total assets | 75.9121% | 6,084 |
| Equity capital to assets | 10.5248% | 3,222 |
| Core capital (leverage) ratio | 11.0004% | 2,392 |
| Tier 1 risk-based capital ratio | 10.8764% | 6,207 |
| Total risk-based capital ratio | 11.6308% | 6,331 |
| Memoranda: | ||
| Average total assets | $1,156,908,000 | 584 |
| Average earning assets | $1,126,905,500 | 550 |
| Average equity | $121,777,500 | 597 |
| Average total loans | $996,970,500 | 452 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 5,569 |
| Cost of funding earning assets | 0.9332% | 629 |
| Net interest margin | 2.6015% | 6,263 |
| Noninterest income to average assets | 0.1066% | 6,367 |
| Noninterest expense to average assets | 1.5536% | 6,539 |
| Loan and lease loss provision to assets | 0.0868% | 3,370 |
| Net operating income to assets | 0.9372% | 2,613 |
| Return on assets (ROA) | 0.9848% | 2,467 |
| Pretax return on assets | 0.9848% | 3,416 |
| Return on Equity (ROE) | 8.5468% | 2,762 |
| Retained earnings to average equity (ytd only) | 2.9477% | 4,148 |
| Net charge-offs to loans | 0.3258% | 2,051 |
| Credit loss provision to net charge-offs | 33.3815% | 4,173 |
| Earnings coverage of net charge-offs (x) | 3.9397% | 3,714 |
| Efficiency ratio | 60.2729% | 5,435 |
| Assets per employee ($millions) | 13.2815% | 108 |
| Cash dividends to net income (ytd only)* | 65.5110% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 6,076 |
| Loan loss allowance to noncurrent loans | 592.9395% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 4,922 |
| Noncurrent loans to loans | 0.1423% | 5,773 |
| Net loans and leases to total assets | 84.6873% | 211 |
| Net loans and leases to deposits | 109.7035% | 178 |
| Net loans and leases to core deposits | 150.6038% | 96 |
| Total domestic deposits to total assets | 77.1966% | 5,941 |
| Equity capital to assets | 10.5275% | 3,113 |
| Core capital (leverage) ratio | 11.4116% | 2,028 |
| Tier 1 risk-based capital ratio | 11.2269% | 6,061 |
| Total risk-based capital ratio | 11.9900% | 6,235 |
| Memoranda: | ||
| Average total assets | $1,066,109,200 | 620 |
| Average earning assets | $1,012,619,000 | 592 |
| Average equity | $122,841,600 | 572 |
| Average total loans | $850,593,600 | 488 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6179% | 5,392 |
| Cost of funding earning assets | 0.9697% | 573 |
| Net interest margin | 2.6482% | 6,253 |
| Noninterest income to average assets | 0.0507% | 6,633 |
| Noninterest expense to average assets | 1.5621% | 6,589 |
| Loan and lease loss provision to assets | 0.0605% | 3,839 |
| Net operating income to assets | 0.9248% | 2,713 |
| Return on assets (ROA) | 0.9858% | 2,537 |
| Pretax return on assets | 0.9858% | 3,558 |
| Return on Equity (ROE) | 8.3589% | 2,943 |
| Retained earnings to average equity (ytd only) | 2.7661% | 4,663 |
| Net charge-offs to loans | 0.1740% | 2,833 |
| Credit loss provision to net charge-offs | 44.4341% | 3,626 |
| Earnings coverage of net charge-offs (x) | 7.2385% | 2,823 |
| Efficiency ratio | 61.3216% | 5,225 |
| Assets per employee ($millions) | 12.3096% | 133 |
| Cash dividends to net income (ytd only)* | 66.9077% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,326 |
| Loan loss allowance to noncurrent loans | 139.1343% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0193% | 3,615 |
| Noncurrent loans to loans | 0.7918% | 4,262 |
| Net loans and leases to total assets | 82.3196% | 345 |
| Net loans and leases to deposits | 98.2700% | 553 |
| Net loans and leases to core deposits | 133.9280% | 151 |
| Total domestic deposits to total assets | 83.7688% | 4,290 |
| Equity capital to assets | 11.6173% | 2,203 |
| Core capital (leverage) ratio | 11.7343% | 1,864 |
| Tier 1 risk-based capital ratio | 12.1394% | 5,691 |
| Total risk-based capital ratio | 13.0964% | 5,825 |
| Memoranda: | ||
| Average total assets | $1,047,084,000 | 630 |
| Average earning assets | $987,214,000 | 612 |
| Average equity | $123,490,500 | 576 |
| Average total loans | $819,357,750 | 507 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 5,350 |
| Cost of funding earning assets | 0.9898% | 568 |
| Net interest margin | 2.6415% | 6,280 |
| Noninterest income to average assets | 0.0706% | 6,610 |
| Noninterest expense to average assets | 1.5600% | 6,626 |
| Loan and lease loss provision to assets | 0.0761% | 3,529 |
| Net operating income to assets | 0.9178% | 2,708 |
| Return on assets (ROA) | 0.9709% | 2,605 |
| Pretax return on assets | 0.9709% | 3,632 |
| Return on Equity (ROE) | 8.1918% | 2,996 |
| Retained earnings to average equity (ytd only) | 2.6306% | 4,632 |
| Net charge-offs to loans | 0.3034% | 1,972 |
| Credit loss provision to net charge-offs | 32.7332% | 3,544 |
| Earnings coverage of net charge-offs (x) | 4.2758% | 3,172 |
| Efficiency ratio | 61.0830% | 5,313 |
| Assets per employee ($millions) | 12.6034% | 119 |
| Cash dividends to net income (ytd only)* | 67.8879% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,292 |
| Loan loss allowance to noncurrent loans | 136.4494% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 3,561 |
| Noncurrent loans to loans | 0.8333% | 4,249 |
| Net loans and leases to total assets | 77.8600% | 766 |
| Net loans and leases to deposits | 91.6517% | 993 |
| Net loans and leases to core deposits | 126.7924% | 212 |
| Total domestic deposits to total assets | 84.9520% | 3,911 |
| Equity capital to assets | 11.7671% | 2,077 |
| Core capital (leverage) ratio | 11.6218% | 1,844 |
| Tier 1 risk-based capital ratio | 12.7179% | 5,348 |
| Total risk-based capital ratio | 13.7041% | 5,476 |
| Memoranda: | ||
| Average total assets | $1,051,443,000 | 631 |
| Average earning assets | $988,436,330 | 610 |
| Average equity | $124,612,670 | 577 |
| Average total loans | $805,586,330 | 511 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5803% | 5,500 |
| Cost of funding earning assets | 1.0128% | 577 |
| Net interest margin | 2.5675% | 6,418 |
| Noninterest income to average assets | 0.0754% | 6,655 |
| Noninterest expense to average assets | 1.5696% | 6,688 |
| Loan and lease loss provision to assets | 0.0943% | 3,093 |
| Net operating income to assets | 0.8348% | 2,985 |
| Return on assets (ROA) | 0.9434% | 2,604 |
| Pretax return on assets | 0.9434% | 3,592 |
| Return on Equity (ROE) | 7.9325% | 3,013 |
| Retained earnings to average equity (ytd only) | 2.9909% | 4,490 |
| Net charge-offs to loans | 0.5156% | 1,167 |
| Credit loss provision to net charge-offs | 24.2014% | 2,974 |
| Earnings coverage of net charge-offs (x) | 2.3843% | 3,048 |
| Efficiency ratio | 62.8170% | 5,177 |
| Assets per employee ($millions) | 13.5636% | 109 |
| Cash dividends to net income (ytd only)* | 62.2951% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 5,386 |
| Loan loss allowance to noncurrent loans | 120.5161% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 3,559 |
| Noncurrent loans to loans | 0.9580% | 4,221 |
| Net loans and leases to total assets | 75.2003% | 938 |
| Net loans and leases to deposits | 87.9338% | 1,157 |
| Net loans and leases to core deposits | 122.1738% | 258 |
| Total domestic deposits to total assets | 85.5192% | 3,787 |
| Equity capital to assets | 11.9439% | 2,075 |
| Core capital (leverage) ratio | 11.4653% | 1,904 |
| Tier 1 risk-based capital ratio | 12.7412% | 5,409 |
| Total risk-based capital ratio | 13.7404% | 5,532 |
| Memoranda: | ||
| Average total assets | $1,060,426,500 | 634 |
| Average earning assets | $1,000,812,500 | 606 |
| Average equity | $126,114,000 | 581 |
| Average total loans | $801,420,500 | 513 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 5,683 |
| Cost of funding earning assets | 1.1910% | 607 |
| Net interest margin | 2.6729% | 6,557 |
| Noninterest income to average assets | -0.0151% | 6,859 |
| Noninterest expense to average assets | 1.6236% | 6,786 |
| Loan and lease loss provision to assets | 0.0278% | 5,549 |
| Net operating income to assets | 0.8619% | 2,993 |
| Return on assets (ROA) | 0.9236% | 2,931 |
| Pretax return on assets | 0.9236% | 3,837 |
| Return on Equity (ROE) | 7.6590% | 3,255 |
| Retained earnings to average equity (ytd only) | -3.9715% | 6,360 |
| Net charge-offs to loans | 0.2441% | 3,481 |
| Credit loss provision to net charge-offs | 15.0000% | 5,345 |
| Earnings coverage of net charge-offs (x) | 4.8070% | 3,244 |
| Efficiency ratio | 64.6011% | 4,775 |
| Assets per employee ($millions) | 14.1719% | 105 |
| Cash dividends to net income (ytd only)* | 151.8537% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 4,810 |
| Loan loss allowance to noncurrent loans | 255.8010% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 4,233 |
| Noncurrent loans to loans | 0.4936% | 5,297 |
| Net loans and leases to total assets | 74.1263% | 1,177 |
| Net loans and leases to deposits | 86.7269% | 1,412 |
| Net loans and leases to core deposits | 122.8153% | 253 |
| Total domestic deposits to total assets | 85.4709% | 3,628 |
| Equity capital to assets | 11.8418% | 2,149 |
| Core capital (leverage) ratio | 10.9916% | 2,258 |
| Tier 1 risk-based capital ratio | 12.7363% | 5,306 |
| Total risk-based capital ratio | 13.8277% | 5,373 |
| Memoranda: | ||
| Average total assets | $1,080,610,200 | 605 |
| Average earning assets | $1,022,167,000 | 576 |
| Average equity | $130,304,200 | 554 |
| Average total loans | $819,387,200 | 501 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 5,806 |
| Cost of funding earning assets | 1.2137% | 651 |
| Net interest margin | 2.6774% | 6,673 |
| Noninterest income to average assets | 0.0296% | 6,865 |
| Noninterest expense to average assets | 1.5525% | 6,911 |
| Loan and lease loss provision to assets | 0.1106% | 4,185 |
| Net operating income to assets | 0.9046% | 2,967 |
| Return on assets (ROA) | 0.9800% | 2,835 |
| Pretax return on assets | 0.9800% | 3,789 |
| Return on Equity (ROE) | 8.0913% | 3,245 |
| Retained earnings to average equity (ytd only) | 4.3272% | 3,845 |
| Net charge-offs to loans | 0.3314% | 2,805 |
| Credit loss provision to net charge-offs | 43.9024% | 4,530 |
| Earnings coverage of net charge-offs (x) | 4.0302% | 3,423 |
| Efficiency ratio | 60.4613% | 5,424 |
| Assets per employee ($millions) | 14.5487% | 93 |
| Cash dividends to net income (ytd only)* | 46.5203% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 4,648 |
| Loan loss allowance to noncurrent loans | 428.4677% | 882 |
| Noncurrent assets plus other real estate owned to assets | 1.2285% | 3,835 |
| Noncurrent loans to loans | 0.3118% | 5,859 |
| Net loans and leases to total assets | 71.9259% | 1,565 |
| Net loans and leases to deposits | 84.4804% | 1,805 |
| Net loans and leases to core deposits | 120.0087% | 312 |
| Total domestic deposits to total assets | 85.1392% | 3,689 |
| Equity capital to assets | 12.3571% | 1,992 |
| Core capital (leverage) ratio | 11.6927% | 1,848 |
| Tier 1 risk-based capital ratio | 14.0273% | 4,498 |
| Total risk-based capital ratio | 15.2024% | 4,513 |
| Memoranda: | ||
| Average total assets | $1,085,039,750 | 606 |
| Average earning assets | $1,028,589,750 | 578 |
| Average equity | $131,413,750 | 550 |
| Average total loans | $824,744,500 | 498 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 5,899 |
| Cost of funding earning assets | 1.2507% | 644 |
| Net interest margin | 2.6552% | 6,768 |
| Noninterest income to average assets | 0.0262% | 6,930 |
| Noninterest expense to average assets | 1.5442% | 6,975 |
| Loan and lease loss provision to assets | 0.1662% | 3,445 |
| Net operating income to assets | 0.8360% | 3,213 |
| Return on assets (ROA) | 0.9154% | 3,094 |
| Pretax return on assets | 0.9154% | 4,020 |
| Return on Equity (ROE) | 7.6101% | 3,442 |
| Retained earnings to average equity (ytd only) | 4.0899% | 3,886 |
| Net charge-offs to loans | 0.2823% | 2,906 |
| Credit loss provision to net charge-offs | 76.4007% | 3,420 |
| Earnings coverage of net charge-offs (x) | 4.6070% | 3,036 |
| Efficiency ratio | 60.6425% | 5,478 |
| Assets per employee ($millions) | 14.0340% | 98 |
| Cash dividends to net income (ytd only)* | 46.2578% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 4,562 |
| Loan loss allowance to noncurrent loans | 295.5024% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 1.3366% | 3,767 |
| Noncurrent loans to loans | 0.4647% | 5,605 |
| Net loans and leases to total assets | 76.4288% | 914 |
| Net loans and leases to deposits | 89.6773% | 1,177 |
| Net loans and leases to core deposits | 126.4663% | 241 |
| Total domestic deposits to total assets | 85.2266% | 3,756 |
| Equity capital to assets | 12.2324% | 1,982 |
| Core capital (leverage) ratio | 11.8472% | 1,685 |
| Tier 1 risk-based capital ratio | 13.1272% | 5,095 |
| Total risk-based capital ratio | 14.3301% | 5,110 |
| Memoranda: | ||
| Average total assets | $1,083,003,000 | 608 |
| Average earning assets | $1,027,935,330 | 578 |
| Average equity | $130,273,670 | 552 |
| Average total loans | $834,510,670 | 492 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 5,969 |
| Cost of funding earning assets | 1.2655% | 729 |
| Net interest margin | 2.6556% | 6,829 |
| Noninterest income to average assets | -0.0553% | 7,145 |
| Noninterest expense to average assets | 1.5481% | 7,016 |
| Loan and lease loss provision to assets | 0.1660% | 3,314 |
| Net operating income to assets | 0.7644% | 3,544 |
| Return on assets (ROA) | 0.7851% | 3,686 |
| Pretax return on assets | 0.7851% | 4,472 |
| Return on Equity (ROE) | 6.5822% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.2005% | 4,071 |
| Net charge-offs to loans | 0.0672% | 3,814 |
| Credit loss provision to net charge-offs | 321.4286% | 928 |
| Earnings coverage of net charge-offs (x) | 18.0143% | 1,283 |
| Efficiency ratio | 62.4591% | 5,198 |
| Assets per employee ($millions) | 13.8858% | 108 |
| Cash dividends to net income (ytd only)* | 36.1842% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 4,372 |
| Loan loss allowance to noncurrent loans | 173.0031% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 3,777 |
| Noncurrent loans to loans | 0.8384% | 4,999 |
| Net loans and leases to total assets | 75.8162% | 821 |
| Net loans and leases to deposits | 88.5798% | 1,100 |
| Net loans and leases to core deposits | 126.2571% | 231 |
| Total domestic deposits to total assets | 85.5908% | 3,741 |
| Equity capital to assets | 12.0203% | 2,024 |
| Core capital (leverage) ratio | 11.6912% | 1,776 |
| Tier 1 risk-based capital ratio | 13.1468% | 5,100 |
| Total risk-based capital ratio | 14.3987% | 5,066 |
| Memoranda: | ||
| Average total assets | $1,084,194,000 | 611 |
| Average earning assets | $1,034,491,500 | 573 |
| Average equity | $129,317,500 | 552 |
| Average total loans | $833,064,000 | 492 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 5,464 |
| Cost of funding earning assets | 1.5740% | 525 |
| Net interest margin | 2.8165% | 6,803 |
| Noninterest income to average assets | 0.0374% | 6,882 |
| Noninterest expense to average assets | 1.6015% | 7,120 |
| Loan and lease loss provision to assets | 0.7505% | 1,344 |
| Net operating income to assets | 0.3841% | 4,932 |
| Return on assets (ROA) | 0.4095% | 5,006 |
| Pretax return on assets | 0.4095% | 5,267 |
| Return on Equity (ROE) | 3.6617% | 5,006 |
| Retained earnings to average equity (ytd only) | 1.5376% | 5,117 |
| Net charge-offs to loans | 1.2126% | 1,385 |
| Credit loss provision to net charge-offs | 77.3196% | 4,585 |
| Earnings coverage of net charge-offs (x) | 1.1689% | 4,918 |
| Efficiency ratio | 58.5317% | 5,978 |
| Assets per employee ($millions) | 14.2802% | 100 |
| Cash dividends to net income (ytd only)* | 58.0093% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 4,396 |
| Loan loss allowance to noncurrent loans | 197.9492% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 4,035 |
| Noncurrent loans to loans | 0.7143% | 5,271 |
| Net loans and leases to total assets | 75.6574% | 997 |
| Net loans and leases to deposits | 88.3614% | 1,332 |
| Net loans and leases to core deposits | 128.8448% | 247 |
| Total domestic deposits to total assets | 85.6228% | 3,524 |
| Equity capital to assets | 11.8350% | 2,252 |
| Core capital (leverage) ratio | 11.4960% | 1,895 |
| Tier 1 risk-based capital ratio | 12.9482% | 5,109 |
| Total risk-based capital ratio | 14.1878% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,099,229,000 | 592 |
| Average earning assets | $1,053,259,600 | 554 |
| Average equity | $122,922,400 | 565 |
| Average total loans | $879,917,800 | 476 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 5,392 |
| Cost of funding earning assets | 1.6522% | 469 |
| Net interest margin | 2.8072% | 6,875 |
| Noninterest income to average assets | 0.0360% | 6,997 |
| Noninterest expense to average assets | 1.5801% | 7,182 |
| Loan and lease loss provision to assets | 0.8041% | 1,158 |
| Net operating income to assets | 0.3442% | 5,230 |
| Return on assets (ROA) | 0.3747% | 5,292 |
| Pretax return on assets | 0.3747% | 5,544 |
| Return on Equity (ROE) | 3.3996% | 5,271 |
| Retained earnings to average equity (ytd only) | 1.3800% | 5,450 |
| Net charge-offs to loans | 1.4417% | 1,018 |
| Credit loss provision to net charge-offs | 68.9691% | 4,513 |
| Earnings coverage of net charge-offs (x) | 0.9850% | 4,893 |
| Efficiency ratio | 57.9127% | 6,022 |
| Assets per employee ($millions) | 14.2518% | 103 |
| Cash dividends to net income (ytd only)* | 59.4063% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,957 |
| Loan loss allowance to noncurrent loans | 137.3881% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 1.3714% | 4,080 |
| Noncurrent loans to loans | 0.9553% | 4,977 |
| Net loans and leases to total assets | 76.7680% | 872 |
| Net loans and leases to deposits | 90.0203% | 1,210 |
| Net loans and leases to core deposits | 127.6776% | 272 |
| Total domestic deposits to total assets | 85.2785% | 3,633 |
| Equity capital to assets | 11.6058% | 2,582 |
| Core capital (leverage) ratio | 11.2144% | 2,223 |
| Tier 1 risk-based capital ratio | 12.5809% | 5,423 |
| Total risk-based capital ratio | 13.7238% | 5,504 |
| Memoranda: | ||
| Average total assets | $1,102,713,000 | 601 |
| Average earning assets | $1,057,604,250 | 562 |
| Average equity | $121,542,000 | 576 |
| Average total loans | $891,677,000 | 472 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 5,031 |
| Cost of funding earning assets | 1.7060% | 457 |
| Net interest margin | 2.8792% | 6,830 |
| Noninterest income to average assets | -0.0292% | 7,236 |
| Noninterest expense to average assets | 1.5868% | 7,257 |
| Loan and lease loss provision to assets | 0.7877% | 1,171 |
| Net operating income to assets | 0.3533% | 5,163 |
| Return on assets (ROA) | 0.3669% | 5,240 |
| Pretax return on assets | 0.3669% | 5,496 |
| Return on Equity (ROE) | 3.3879% | 5,216 |
| Retained earnings to average equity (ytd only) | 1.5970% | 5,188 |
| Net charge-offs to loans | 1.4213% | 1,061 |
| Credit loss provision to net charge-offs | 67.6832% | 4,125 |
| Earnings coverage of net charge-offs (x) | 0.9804% | 4,563 |
| Efficiency ratio | 58.1718% | 6,134 |
| Assets per employee ($millions) | 14.2730% | 100 |
| Cash dividends to net income (ytd only)* | 52.8628% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 4,649 |
| Loan loss allowance to noncurrent loans | 137.2904% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.7604% | 3,559 |
| Noncurrent loans to loans | 1.0080% | 4,981 |
| Net loans and leases to total assets | 79.6230% | 566 |
| Net loans and leases to deposits | 92.6402% | 985 |
| Net loans and leases to core deposits | 131.0564% | 263 |
| Total domestic deposits to total assets | 85.9486% | 3,354 |
| Equity capital to assets | 11.3291% | 2,659 |
| Core capital (leverage) ratio | 11.1739% | 2,134 |
| Tier 1 risk-based capital ratio | 12.2747% | 5,541 |
| Total risk-based capital ratio | 13.4814% | 5,564 |
| Memoranda: | ||
| Average total assets | $1,104,488,670 | 607 |
| Average earning assets | $1,057,576,330 | 568 |
| Average equity | $119,602,670 | 588 |
| Average total loans | $904,354,330 | 473 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 4,624 |
| Cost of funding earning assets | 1.7463% | 455 |
| Net interest margin | 2.9305% | 6,704 |
| Noninterest income to average assets | -0.0955% | 7,385 |
| Noninterest expense to average assets | 1.4354% | 7,399 |
| Loan and lease loss provision to assets | 0.9153% | 871 |
| Net operating income to assets | 0.3572% | 5,138 |
| Return on assets (ROA) | 0.3694% | 5,165 |
| Pretax return on assets | 0.3694% | 5,438 |
| Return on Equity (ROE) | 3.4894% | 5,147 |
| Retained earnings to average equity (ytd only) | 1.5904% | 5,159 |
| Net charge-offs to loans | 1.5153% | 894 |
| Credit loss provision to net charge-offs | 73.2759% | 3,294 |
| Earnings coverage of net charge-offs (x) | 1.0187% | 3,892 |
| Efficiency ratio | 53.0090% | 6,780 |
| Assets per employee ($millions) | 16.1961% | 85 |
| Cash dividends to net income (ytd only)* | 54.4218% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 4,218 |
| Loan loss allowance to noncurrent loans | 104.8116% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 2.2412% | 3,011 |
| Noncurrent loans to loans | 1.4300% | 4,325 |
| Net loans and leases to total assets | 78.0150% | 722 |
| Net loans and leases to deposits | 90.7960% | 1,143 |
| Net loans and leases to core deposits | 131.7508% | 253 |
| Total domestic deposits to total assets | 85.9234% | 3,566 |
| Equity capital to assets | 10.6479% | 3,042 |
| Core capital (leverage) ratio | 10.9686% | 2,218 |
| Tier 1 risk-based capital ratio | 12.1025% | 5,601 |
| Total risk-based capital ratio | 13.3532% | 5,596 |
| Memoranda: | ||
| Average total assets | $1,114,359,000 | 606 |
| Average earning assets | $1,066,042,500 | 567 |
| Average equity | $117,958,000 | 589 |
| Average total loans | $918,617,000 | 474 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 5,023 |
| Cost of funding earning assets | 2.1937% | 310 |
| Net interest margin | 2.7084% | 7,113 |
| Noninterest income to average assets | -0.4295% | 7,546 |
| Noninterest expense to average assets | 1.2816% | 7,523 |
| Loan and lease loss provision to assets | 0.8370% | 1,962 |
| Net operating income to assets | 0.0442% | 5,716 |
| Return on assets (ROA) | 0.1046% | 5,714 |
| Pretax return on assets | 0.1167% | 5,670 |
| Return on Equity (ROE) | 1.0515% | 5,674 |
| Retained earnings to average equity (ytd only) | -1.1806% | 5,831 |
| Net charge-offs to loans | 1.1897% | 1,873 |
| Credit loss provision to net charge-offs | 81.9281% | 5,490 |
| Earnings coverage of net charge-offs (x) | 0.8679% | 5,265 |
| Efficiency ratio | 59.1073% | 6,178 |
| Assets per employee ($millions) | 16.3409% | 83 |
| Cash dividends to net income (ytd only)* | 212.2766% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 4,062 |
| Loan loss allowance to noncurrent loans | 76.9735% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 2.8071% | 2,497 |
| Noncurrent loans to loans | 1.9371% | 3,651 |
| Net loans and leases to total assets | 84.4079% | 272 |
| Net loans and leases to deposits | 96.2824% | 848 |
| Net loans and leases to core deposits | 143.4731% | 203 |
| Total domestic deposits to total assets | 87.6670% | 2,444 |
| Equity capital to assets | 10.5223% | 3,136 |
| Core capital (leverage) ratio | 10.4000% | 2,669 |
| Tier 1 risk-based capital ratio | 11.7288% | 5,702 |
| Total risk-based capital ratio | 12.9801% | 5,706 |
| Memoranda: | ||
| Average total assets | $1,230,574,600 | 546 |
| Average earning assets | $1,180,295,400 | 516 |
| Average equity | $122,391,000 | 556 |
| Average total loans | $1,056,760,800 | 425 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 5,124 |
| Cost of funding earning assets | 2.2660% | 306 |
| Net interest margin | 2.6663% | 7,264 |
| Noninterest income to average assets | -0.3198% | 7,636 |
| Noninterest expense to average assets | 1.2879% | 7,639 |
| Loan and lease loss provision to assets | 0.9203% | 1,638 |
| Net operating income to assets | 0.0276% | 5,940 |
| Return on assets (ROA) | 0.0783% | 5,965 |
| Pretax return on assets | 0.0783% | 5,955 |
| Return on Equity (ROE) | 0.7972% | 5,949 |
| Retained earnings to average equity (ytd only) | -1.5428% | 6,109 |
| Net charge-offs to loans | 1.2697% | 1,606 |
| Credit loss provision to net charge-offs | 84.3595% | 4,985 |
| Earnings coverage of net charge-offs (x) | 0.8689% | 5,182 |
| Efficiency ratio | 57.6031% | 6,329 |
| Assets per employee ($millions) | 17.9866% | 71 |
| Cash dividends to net income (ytd only)* | 293.5144% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 4,027 |
| Loan loss allowance to noncurrent loans | 64.2406% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 3.1897% | 2,251 |
| Noncurrent loans to loans | 2.3141% | 3,327 |
| Net loans and leases to total assets | 81.6863% | 536 |
| Net loans and leases to deposits | 93.6250% | 1,244 |
| Net loans and leases to core deposits | 141.1538% | 248 |
| Total domestic deposits to total assets | 87.2484% | 2,399 |
| Equity capital to assets | 10.3125% | 3,747 |
| Core capital (leverage) ratio | 9.6987% | 3,623 |
| Tier 1 risk-based capital ratio | 10.9873% | 6,397 |
| Total risk-based capital ratio | 12.2389% | 6,372 |
| Memoranda: | ||
| Average total assets | $1,260,422,250 | 529 |
| Average earning assets | $1,208,079,500 | 498 |
| Average equity | $123,758,250 | 542 |
| Average total loans | $1,082,920,000 | 421 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 5,075 |
| Cost of funding earning assets | 2.3333% | 306 |
| Net interest margin | 2.6381% | 7,316 |
| Noninterest income to average assets | -0.1048% | 7,632 |
| Noninterest expense to average assets | 1.2663% | 7,715 |
| Loan and lease loss provision to assets | 0.9305% | 1,570 |
| Net operating income to assets | 0.2283% | 5,466 |
| Return on assets (ROA) | 0.2321% | 5,587 |
| Pretax return on assets | 0.2321% | 5,699 |
| Return on Equity (ROE) | 2.4016% | 5,499 |
| Retained earnings to average equity (ytd only) | -0.2605% | 5,787 |
| Net charge-offs to loans | 1.2333% | 1,548 |
| Credit loss provision to net charge-offs | 86.8613% | 4,521 |
| Earnings coverage of net charge-offs (x) | 1.0818% | 4,713 |
| Efficiency ratio | 52.2151% | 7,045 |
| Assets per employee ($millions) | 17.4760% | 73 |
| Cash dividends to net income (ytd only)* | 110.8491% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 4,091 |
| Loan loss allowance to noncurrent loans | 123.3030% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 2.1885% | 3,271 |
| Noncurrent loans to loans | 1.1883% | 4,974 |
| Net loans and leases to total assets | 84.3713% | 328 |
| Net loans and leases to deposits | 95.8802% | 1,059 |
| Net loans and leases to core deposits | 143.4587% | 250 |
| Total domestic deposits to total assets | 87.9965% | 2,007 |
| Equity capital to assets | 10.0473% | 3,960 |
| Core capital (leverage) ratio | 9.7974% | 3,409 |
| Tier 1 risk-based capital ratio | 10.3906% | 6,770 |
| Total risk-based capital ratio | 11.6416% | 6,759 |
| Memoranda: | ||
| Average total assets | $1,278,863,330 | 521 |
| Average earning assets | $1,226,399,670 | 487 |
| Average equity | $123,585,670 | 539 |
| Average total loans | $1,110,808,000 | 411 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 5,222 |
| Cost of funding earning assets | 2.4439% | 264 |
| Net interest margin | 2.5096% | 7,468 |
| Noninterest income to average assets | -0.0940% | 7,749 |
| Noninterest expense to average assets | 1.1714% | 7,838 |
| Loan and lease loss provision to assets | 0.9092% | 1,399 |
| Net operating income to assets | 0.2274% | 5,586 |
| Return on assets (ROA) | 0.2348% | 5,674 |
| Pretax return on assets | 0.2348% | 5,781 |
| Return on Equity (ROE) | 2.4771% | 5,567 |
| Retained earnings to average equity (ytd only) | 0.4876% | 5,638 |
| Net charge-offs to loans | 1.3216% | 1,296 |
| Credit loss provision to net charge-offs | 78.6667% | 3,912 |
| Earnings coverage of net charge-offs (x) | 0.9835% | 4,182 |
| Efficiency ratio | 50.7544% | 7,262 |
| Assets per employee ($millions) | 18.2991% | 73 |
| Cash dividends to net income (ytd only)* | 80.3150% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 4,360 |
| Loan loss allowance to noncurrent loans | 108.7231% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 2.1081% | 3,373 |
| Noncurrent loans to loans | 1.2980% | 4,806 |
| Net loans and leases to total assets | 85.4439% | 253 |
| Net loans and leases to deposits | 95.8705% | 1,125 |
| Net loans and leases to core deposits | 144.5828% | 283 |
| Total domestic deposits to total assets | 89.1242% | 1,454 |
| Equity capital to assets | 9.6038% | 4,372 |
| Core capital (leverage) ratio | 9.3881% | 3,924 |
| Tier 1 risk-based capital ratio | 10.0271% | 7,012 |
| Total risk-based capital ratio | 11.2773% | 7,004 |
| Memoranda: | ||
| Average total assets | $1,297,896,000 | 531 |
| Average earning assets | $1,242,266,500 | 495 |
| Average equity | $123,045,000 | 547 |
| Average total loans | $1,134,990,000 | 421 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 5,764 |
| Cost of funding earning assets | 2.7475% | 520 |
| Net interest margin | 2.4274% | 7,488 |
| Noninterest income to average assets | -0.0446% | 7,763 |
| Noninterest expense to average assets | 1.0420% | 7,941 |
| Loan and lease loss provision to assets | 0.8590% | 2,591 |
| Net operating income to assets | 0.1725% | 4,988 |
| Return on assets (ROA) | 0.2227% | 4,892 |
| Pretax return on assets | 0.4838% | 4,234 |
| Return on Equity (ROE) | 2.4870% | 4,715 |
| Retained earnings to average equity (ytd only) | -3.0013% | 5,701 |
| Net charge-offs to loans | 0.2502% | 5,057 |
| Credit loss provision to net charge-offs | 403.5603% | 780 |
| Earnings coverage of net charge-offs (x) | 5.9402% | 2,466 |
| Efficiency ratio | 45.1782% | 7,743 |
| Assets per employee ($millions) | 18.7836% | 81 |
| Cash dividends to net income (ytd only)* | 220.6805% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 4,123 |
| Loan loss allowance to noncurrent loans | 98.0880% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 2.2146% | 3,110 |
| Noncurrent loans to loans | 1.4475% | 4,498 |
| Net loans and leases to total assets | 86.9573% | 225 |
| Net loans and leases to deposits | 97.3480% | 1,170 |
| Net loans and leases to core deposits | 133.3238% | 1,094 |
| Total domestic deposits to total assets | 89.3263% | 1,312 |
| Equity capital to assets | 9.3601% | 4,617 |
| Core capital (leverage) ratio | 8.9616% | 4,486 |
| Tier 1 risk-based capital ratio | 9.6944% | 7,102 |
| Total risk-based capital ratio | 10.9449% | 7,076 |
| Memoranda: | ||
| Average total assets | $1,359,163,800 | 501 |
| Average earning assets | $1,316,357,000 | 467 |
| Average equity | $121,714,600 | 543 |
| Average total loans | $1,156,076,400 | 419 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 6,108 |
| Cost of funding earning assets | 2.7927% | 607 |
| Net interest margin | 2.3578% | 7,597 |
| Noninterest income to average assets | -0.0482% | 7,896 |
| Noninterest expense to average assets | 0.9688% | 8,035 |
| Loan and lease loss provision to assets | 1.0047% | 1,911 |
| Net operating income to assets | -0.0410% | 5,785 |
| Return on assets (ROA) | 0.0216% | 5,716 |
| Pretax return on assets | 0.3713% | 4,873 |
| Return on Equity (ROE) | 0.2439% | 5,705 |
| Retained earnings to average equity (ytd only) | -7.0941% | 6,516 |
| Net charge-offs to loans | 0.1555% | 5,152 |
| Credit loss provision to net charge-offs | 766.5182% | 499 |
| Earnings coverage of net charge-offs (x) | 9.7513% | 2,065 |
| Efficiency ratio | 43.1164% | 7,860 |
| Assets per employee ($millions) | 18.8473% | 84 |
| Cash dividends to net income (ytd only)* | 3,009.0341% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 3,917 |
| Loan loss allowance to noncurrent loans | 77.5214% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.9536% | 3,411 |
| Noncurrent loans to loans | 1.8112% | 3,900 |
| Net loans and leases to total assets | 85.0527% | 432 |
| Net loans and leases to deposits | 95.2327% | 1,680 |
| Net loans and leases to core deposits | 135.3993% | 1,131 |
| Total domestic deposits to total assets | 89.3104% | 1,055 |
| Equity capital to assets | 9.0928% | 5,351 |
| Core capital (leverage) ratio | 8.6119% | 5,290 |
| Tier 1 risk-based capital ratio | 9.2476% | 7,516 |
| Total risk-based capital ratio | 10.4979% | 7,507 |
| Memoranda: | ||
| Average total assets | $1,370,241,250 | 512 |
| Average earning assets | $1,333,740,500 | 476 |
| Average equity | $121,375,500 | 556 |
| Average total loans | $1,155,138,000 | 437 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 6,115 |
| Cost of funding earning assets | 2.8202% | 747 |
| Net interest margin | 2.3701% | 7,603 |
| Noninterest income to average assets | 0.0190% | 7,873 |
| Noninterest expense to average assets | 0.9144% | 8,139 |
| Loan and lease loss provision to assets | 1.5091% | 1,134 |
| Net operating income to assets | -0.5649% | 6,614 |
| Return on assets (ROA) | -0.4869% | 6,543 |
| Pretax return on assets | 0.0247% | 5,820 |
| Return on Equity (ROE) | -5.5455% | 6,663 |
| Retained earnings to average equity (ytd only) | -14.5772% | 7,219 |
| Net charge-offs to loans | 0.0615% | 5,637 |
| Credit loss provision to net charge-offs | 2,933.2386% | 176 |
| Earnings coverage of net charge-offs (x) | 27.4432% | 1,058 |
| Efficiency ratio | 39.3064% | 8,032 |
| Assets per employee ($millions) | 18.4751% | 87 |
| Cash dividends to net income (ytd only)* | -162.8640% | 8,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 3,166 |
| Loan loss allowance to noncurrent loans | 117.0633% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 1.6000% | 3,818 |
| Noncurrent loans to loans | 1.2852% | 4,629 |
| Net loans and leases to total assets | 85.7170% | 402 |
| Net loans and leases to deposits | 97.6809% | 1,570 |
| Net loans and leases to core deposits | 138.6362% | 1,073 |
| Total domestic deposits to total assets | 87.7521% | 1,904 |
| Equity capital to assets | 8.5020% | 6,046 |
| Core capital (leverage) ratio | 8.5725% | 5,311 |
| Tier 1 risk-based capital ratio | 9.0271% | 7,684 |
| Total risk-based capital ratio | 10.2782% | 7,696 |
| Memoranda: | ||
| Average total assets | $1,368,369,670 | 520 |
| Average earning assets | $1,332,090,670 | 490 |
| Average equity | $120,132,670 | 569 |
| Average total loans | $1,144,562,000 | 460 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 6,353 |
| Cost of funding earning assets | 2.8507% | 867 |
| Net interest margin | 2.3346% | 7,685 |
| Noninterest income to average assets | 0.0450% | 7,858 |
| Noninterest expense to average assets | 0.8614% | 8,188 |
| Loan and lease loss provision to assets | 0.2975% | 3,569 |
| Net operating income to assets | 0.1582% | 5,797 |
| Return on assets (ROA) | 0.1834% | 5,883 |
| Pretax return on assets | 1.1940% | 2,650 |
| Return on Equity (ROE) | 2.0575% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.0575% | 4,716 |
| Net charge-offs to loans | 0.0142% | 5,394 |
| Credit loss provision to net charge-offs | 2,562.5000% | 261 |
| Earnings coverage of net charge-offs (x) | 125.0750% | 347 |
| Efficiency ratio | 37.2350% | 8,095 |
| Assets per employee ($millions) | 21.3854% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7575% | 7,288 |
| Loan loss allowance to noncurrent loans | 64.5836% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 3,642 |
| Noncurrent loans to loans | 1.1729% | 4,634 |
| Net loans and leases to total assets | 81.7256% | 1,057 |
| Net loans and leases to deposits | 96.6738% | 1,841 |
| Net loans and leases to core deposits | 137.6221% | 1,217 |
| Total domestic deposits to total assets | 84.5375% | 3,443 |
| Equity capital to assets | 8.7710% | 5,664 |
| Core capital (leverage) ratio | 9.2449% | 4,337 |
| Tier 1 risk-based capital ratio | 9.6731% | 7,278 |
| Total risk-based capital ratio | 10.3281% | 7,763 |
| Memoranda: | ||
| Average total assets | $1,378,213,500 | 518 |
| Average earning assets | $1,339,185,000 | 492 |
| Average equity | $122,866,500 | 557 |
| Average total loans | $1,129,988,500 | 465 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 6,763 |
| Cost of funding earning assets | 3.2992% | 934 |
| Net interest margin | 2.4055% | 7,843 |
| Noninterest income to average assets | 0.0573% | 7,858 |
| Noninterest expense to average assets | 0.8270% | 8,227 |
| Loan and lease loss provision to assets | 0.2400% | 4,502 |
| Net operating income to assets | 0.9531% | 2,775 |
| Return on assets (ROA) | 0.9443% | 2,672 |
| Pretax return on assets | 1.3222% | 2,232 |
| Return on Equity (ROE) | 10.3217% | 2,150 |
| Retained earnings to average equity (ytd only) | 10.3217% | 407 |
| Net charge-offs to loans | 0.1555% | 4,639 |
| Credit loss provision to net charge-offs | 190.2887% | 2,594 |
| Earnings coverage of net charge-offs (x) | 12.4843% | 2,239 |
| Efficiency ratio | 34.4338% | 8,205 |
| Assets per employee ($millions) | 21.0212% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6892% | 7,462 |
| Loan loss allowance to noncurrent loans | 80.8287% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.2569% | 3,713 |
| Noncurrent loans to loans | 0.8526% | 4,919 |
| Net loans and leases to total assets | 81.0606% | 1,422 |
| Net loans and leases to deposits | 97.2943% | 2,234 |
| Net loans and leases to core deposits | 137.8367% | 1,381 |
| Total domestic deposits to total assets | 83.3148% | 3,648 |
| Equity capital to assets | 9.0613% | 5,281 |
| Core capital (leverage) ratio | 9.8725% | 3,575 |
| Tier 1 risk-based capital ratio | 9.8501% | 6,904 |
| Total risk-based capital ratio | 10.4442% | 7,575 |
| Memoranda: | ||
| Average total assets | $1,208,243,600 | 556 |
| Average earning assets | $1,177,561,600 | 523 |
| Average equity | $110,533,800 | 611 |
| Average total loans | $980,066,800 | 504 |