Home > First Citizens Bank > Performance and Condition Ratios
First Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 2,352 |
| Cost of funding earning assets | 2.1388% | 715 |
| Net interest margin | 2.7258% | 3,781 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 1.8192% | 3,973 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.3386% | 1,349 |
| Return on assets (ROA) | 1.3386% | 1,322 |
| Pretax return on assets | 1.3920% | 1,655 |
| Return on Equity (ROE) | 13.7300% | 1,550 |
| Retained earnings to average equity (ytd only) | 4.4517% | 2,811 |
| Net charge-offs to loans | -0.0104% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.1901% | 3,585 |
| Assets per employee ($millions) | 8.4487% | 1,203 |
| Cash dividends to net income (ytd only)* | 67.5858% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,327 |
| Loan loss allowance to noncurrent loans | 186.9339% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 1,196 |
| Noncurrent loans to loans | 0.6392% | 1,230 |
| Net loans and leases to total assets | 72.2800% | 1,547 |
| Net loans and leases to deposits | 81.9253% | 1,953 |
| Net loans and leases to core deposits | 99.0163% | 1,488 |
| Total domestic deposits to total assets | 88.2200% | 1,280 |
| Equity capital to assets | 9.8685% | 2,084 |
| Core capital (leverage) ratio | 11.5610% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9711% | 2,251 |
| Memoranda: | ||
| Average total assets | $1,658,010,400 | 661 |
| Average earning assets | $1,569,370,000 | 644 |
| Average equity | $161,603,000 | 636 |
| Average total loans | $1,177,322,800 | 643 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 2,312 |
| Cost of funding earning assets | 2.0208% | 681 |
| Net interest margin | 2.7587% | 3,792 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 1.8194% | 3,941 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.3736% | 1,377 |
| Return on assets (ROA) | 1.3736% | 1,358 |
| Pretax return on assets | 1.4408% | 1,689 |
| Return on Equity (ROE) | 14.1400% | 1,619 |
| Retained earnings to average equity (ytd only) | 6.6154% | 2,430 |
| Net charge-offs to loans | 0.0043% | 2,333 |
| Credit loss provision to net charge-offs | 2,927.0270% | 162 |
| Earnings coverage of net charge-offs (x) | 508.7297% | 305 |
| Efficiency ratio | 54.2621% | 3,567 |
| Assets per employee ($millions) | 8.4116% | 1,153 |
| Cash dividends to net income (ytd only)* | 53.2135% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,354 |
| Loan loss allowance to noncurrent loans | 142.5613% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 975 |
| Noncurrent loans to loans | 0.8426% | 980 |
| Net loans and leases to total assets | 70.9700% | 1,704 |
| Net loans and leases to deposits | 79.0117% | 2,141 |
| Net loans and leases to core deposits | 90.9057% | 1,860 |
| Total domestic deposits to total assets | 89.8200% | 983 |
| Equity capital to assets | 9.2277% | 2,275 |
| Core capital (leverage) ratio | 11.8866% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3209% | 2,153 |
| Memoranda: | ||
| Average total assets | $1,641,628,250 | 670 |
| Average earning assets | $1,553,457,250 | 650 |
| Average equity | $159,482,000 | 640 |
| Average total loans | $1,156,461,250 | 651 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6197% | 2,377 |
| Cost of funding earning assets | 1.8621% | 659 |
| Net interest margin | 2.7576% | 3,891 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 1.8288% | 3,942 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3396% | 1,474 |
| Return on assets (ROA) | 1.3396% | 1,458 |
| Pretax return on assets | 1.4048% | 1,801 |
| Return on Equity (ROE) | 13.5500% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.6929% | 2,380 |
| Net charge-offs to loans | 0.0030% | 2,227 |
| Credit loss provision to net charge-offs | 2,941.1765% | 196 |
| Earnings coverage of net charge-offs (x) | 699.7647% | 212 |
| Efficiency ratio | 55.4167% | 3,486 |
| Assets per employee ($millions) | 7.6972% | 1,469 |
| Cash dividends to net income (ytd only)* | 50.6119% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,321 |
| Loan loss allowance to noncurrent loans | 138.3714% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 828 |
| Noncurrent loans to loans | 0.8850% | 866 |
| Net loans and leases to total assets | 70.9800% | 1,633 |
| Net loans and leases to deposits | 81.0504% | 1,903 |
| Net loans and leases to core deposits | 88.7428% | 1,880 |
| Total domestic deposits to total assets | 87.5700% | 1,760 |
| Equity capital to assets | 9.9892% | 1,866 |
| Core capital (leverage) ratio | 11.9862% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6481% | 2,038 |
| Memoranda: | ||
| Average total assets | $1,622,454,000 | 665 |
| Average earning assets | $1,536,242,667 | 645 |
| Average equity | $160,378,333 | 633 |
| Average total loans | $1,135,098,000 | 648 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 2,469 |
| Cost of funding earning assets | 1.7156% | 552 |
| Net interest margin | 2.7138% | 4,055 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 1.7992% | 4,028 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.3803% | 1,466 |
| Return on assets (ROA) | 1.3803% | 1,441 |
| Pretax return on assets | 1.4474% | 1,776 |
| Return on Equity (ROE) | 14.0400% | 1,761 |
| Retained earnings to average equity (ytd only) | 6.5124% | 2,643 |
| Net charge-offs to loans | -0.0018% | 3,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.3021% | 3,573 |
| Assets per employee ($millions) | 7.9368% | 1,373 |
| Cash dividends to net income (ytd only)* | 53.6097% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,298 |
| Loan loss allowance to noncurrent loans | 98.3071% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 523 |
| Noncurrent loans to loans | 1.2706% | 537 |
| Net loans and leases to total assets | 67.6700% | 1,874 |
| Net loans and leases to deposits | 75.8531% | 2,134 |
| Net loans and leases to core deposits | 81.2584% | 2,164 |
| Total domestic deposits to total assets | 89.2100% | 1,466 |
| Equity capital to assets | 10.0515% | 1,793 |
| Core capital (leverage) ratio | 11.8348% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0275% | 1,969 |
| Memoranda: | ||
| Average total assets | $1,621,630,500 | 679 |
| Average earning assets | $1,535,134,500 | 655 |
| Average equity | $159,450,000 | 651 |
| Average total loans | $1,119,115,500 | 659 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7031% | 2,517 |
| Cost of funding earning assets | 0.7268% | 516 |
| Net interest margin | 2.9763% | 3,508 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 1.8170% | 4,003 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.6705% | 579 |
| Return on assets (ROA) | 1.5492% | 753 |
| Pretax return on assets | 1.6190% | 1,116 |
| Return on Equity (ROE) | 14.9400% | 1,266 |
| Retained earnings to average equity (ytd only) | 5.7261% | 2,740 |
| Net charge-offs to loans | 0.0792% | 859 |
| Credit loss provision to net charge-offs | 60.3136% | 1,773 |
| Earnings coverage of net charge-offs (x) | 34.1761% | 1,609 |
| Efficiency ratio | 50.4868% | 4,103 |
| Assets per employee ($millions) | 7.9618% | 1,340 |
| Cash dividends to net income (ytd only)* | 61.6798% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 1,558 |
| Loan loss allowance to noncurrent loans | 157.5387% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 817 |
| Noncurrent loans to loans | 0.8781% | 843 |
| Net loans and leases to total assets | 68.5400% | 1,781 |
| Net loans and leases to deposits | 76.4042% | 2,069 |
| Net loans and leases to core deposits | 80.1855% | 2,126 |
| Total domestic deposits to total assets | 89.7100% | 1,479 |
| Equity capital to assets | 9.6102% | 1,929 |
| Core capital (leverage) ratio | 11.8098% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0529% | 1,961 |
| Memoranda: | ||
| Average total assets | $1,594,681,600 | 675 |
| Average earning assets | $1,512,859,000 | 652 |
| Average equity | $165,331,600 | 623 |
| Average total loans | $1,047,010,400 | 658 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5162% | 2,567 |
| Cost of funding earning assets | 0.4769% | 852 |
| Net interest margin | 3.0393% | 3,118 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 1.8108% | 3,966 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.6920% | 538 |
| Return on assets (ROA) | 1.6920% | 527 |
| Pretax return on assets | 1.7585% | 803 |
| Return on Equity (ROE) | 16.0200% | 971 |
| Retained earnings to average equity (ytd only) | 7.6622% | 2,127 |
| Net charge-offs to loans | -0.0079% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.2152% | 4,142 |
| Assets per employee ($millions) | 7.9867% | 1,335 |
| Cash dividends to net income (ytd only)* | 52.1838% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 1,373 |
| Loan loss allowance to noncurrent loans | 142.7729% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 717 |
| Noncurrent loans to loans | 1.0324% | 739 |
| Net loans and leases to total assets | 68.6000% | 1,605 |
| Net loans and leases to deposits | 76.4719% | 1,837 |
| Net loans and leases to core deposits | 79.3694% | 1,945 |
| Total domestic deposits to total assets | 89.7000% | 1,786 |
| Equity capital to assets | 9.6351% | 1,804 |
| Core capital (leverage) ratio | 12.0072% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6815% | 1,818 |
| Memoranda: | ||
| Average total assets | $1,591,280,500 | 677 |
| Average earning assets | $1,511,419,500 | 656 |
| Average equity | $168,024,500 | 619 |
| Average total loans | $1,029,306,500 | 663 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 2,616 |
| Cost of funding earning assets | 0.3048% | 1,679 |
| Net interest margin | 3.0330% | 2,792 |
| Noninterest income to average assets | 0.7213% | 1,259 |
| Noninterest expense to average assets | 1.7917% | 3,975 |
| Loan and lease loss provision to assets | 0.0314% | 2,025 |
| Net operating income to assets | 1.7154% | 413 |
| Return on assets (ROA) | 1.7154% | 407 |
| Pretax return on assets | 1.7829% | 629 |
| Return on Equity (ROE) | 15.7893% | 740 |
| Retained earnings to average equity (ytd only) | 7.7798% | 1,701 |
| Net charge-offs to loans | -0.0078% | 3,490 |
| Credit loss provision to net charge-offs | -641.0256% | 3,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6104% | 4,272 |
| Assets per employee ($millions) | 8.0139% | 1,297 |
| Cash dividends to net income (ytd only)* | 50.7275% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 1,238 |
| Loan loss allowance to noncurrent loans | 139.3950% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 739 |
| Noncurrent loans to loans | 1.1217% | 732 |
| Net loans and leases to total assets | 63.8072% | 1,931 |
| Net loans and leases to deposits | 71.4894% | 2,070 |
| Net loans and leases to core deposits | 74.6808% | 2,111 |
| Total domestic deposits to total assets | 89.2541% | 2,070 |
| Equity capital to assets | 10.1308% | 1,639 |
| Core capital (leverage) ratio | 11.7096% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4043% | 1,598 |
| Memoranda: | ||
| Average total assets | $1,594,588,000 | 667 |
| Average earning assets | $1,516,582,000 | 655 |
| Average equity | $173,244,333 | 611 |
| Average total loans | $1,005,414,667 | 670 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2914% | 2,409 |
| Cost of funding earning assets | 0.2415% | 2,253 |
| Net interest margin | 3.0499% | 2,329 |
| Noninterest income to average assets | 0.7149% | 1,267 |
| Noninterest expense to average assets | 1.7952% | 3,949 |
| Loan and lease loss provision to assets | 0.0313% | 1,802 |
| Net operating income to assets | 1.7221% | 386 |
| Return on assets (ROA) | 1.7221% | 392 |
| Pretax return on assets | 1.7897% | 557 |
| Return on Equity (ROE) | 15.3367% | 606 |
| Retained earnings to average equity (ytd only) | 7.6750% | 1,682 |
| Net charge-offs to loans | -0.0121% | 3,661 |
| Credit loss provision to net charge-offs | -416.6667% | 3,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5675% | 4,333 |
| Assets per employee ($millions) | 8.3196% | 1,205 |
| Cash dividends to net income (ytd only)* | 49.9564% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,273 |
| Loan loss allowance to noncurrent loans | 179.8376% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 1,097 |
| Noncurrent loans to loans | 0.8897% | 1,041 |
| Net loans and leases to total assets | 60.7658% | 1,985 |
| Net loans and leases to deposits | 68.4137% | 2,105 |
| Net loans and leases to core deposits | 70.8116% | 2,225 |
| Total domestic deposits to total assets | 88.8210% | 2,159 |
| Equity capital to assets | 10.6361% | 1,528 |
| Core capital (leverage) ratio | 11.7499% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9750% | 1,522 |
| Memoranda: | ||
| Average total assets | $1,598,501,000 | 668 |
| Average earning assets | $1,520,550,500 | 654 |
| Average equity | $179,491,000 | 602 |
| Average total loans | $993,846,500 | 671 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1500% | 3,581 |
| Cost of funding earning assets | 0.2736% | 2,673 |
| Net interest margin | 2.8764% | 3,499 |
| Noninterest income to average assets | 0.8280% | 1,385 |
| Noninterest expense to average assets | 1.8390% | 4,072 |
| Loan and lease loss provision to assets | 0.0639% | 1,791 |
| Net operating income to assets | 1.6043% | 795 |
| Return on assets (ROA) | 1.6087% | 815 |
| Pretax return on assets | 1.6721% | 1,213 |
| Return on Equity (ROE) | 13.5553% | 1,295 |
| Retained earnings to average equity (ytd only) | 6.1763% | 2,282 |
| Net charge-offs to loans | 0.1190% | 759 |
| Credit loss provision to net charge-offs | 86.2069% | 1,911 |
| Earnings coverage of net charge-offs (x) | 23.3517% | 1,781 |
| Efficiency ratio | 51.4295% | 4,165 |
| Assets per employee ($millions) | 8.0766% | 1,292 |
| Cash dividends to net income (ytd only)* | 54.4364% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,277 |
| Loan loss allowance to noncurrent loans | 171.9996% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 1,130 |
| Noncurrent loans to loans | 0.9266% | 1,092 |
| Net loans and leases to total assets | 61.6040% | 1,984 |
| Net loans and leases to deposits | 70.3610% | 2,094 |
| Net loans and leases to core deposits | 72.9994% | 2,162 |
| Total domestic deposits to total assets | 87.5542% | 2,262 |
| Equity capital to assets | 11.8329% | 1,326 |
| Core capital (leverage) ratio | 11.5744% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3832% | 1,418 |
| Memoranda: | ||
| Average total assets | $1,564,466,000 | 663 |
| Average earning assets | $1,491,611,000 | 642 |
| Average equity | $185,661,600 | 584 |
| Average total loans | $975,062,200 | 673 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1756% | 3,647 |
| Cost of funding earning assets | 0.2843% | 2,755 |
| Net interest margin | 2.8913% | 3,574 |
| Noninterest income to average assets | 0.8003% | 1,526 |
| Noninterest expense to average assets | 1.7964% | 4,179 |
| Loan and lease loss provision to assets | 0.0479% | 2,040 |
| Net operating income to assets | 1.6486% | 921 |
| Return on assets (ROA) | 1.6486% | 963 |
| Pretax return on assets | 1.7137% | 1,379 |
| Return on Equity (ROE) | 13.8816% | 1,426 |
| Retained earnings to average equity (ytd only) | 7.2600% | 2,329 |
| Net charge-offs to loans | 0.1572% | 532 |
| Credit loss provision to net charge-offs | 48.9083% | 1,867 |
| Earnings coverage of net charge-offs (x) | 17.9991% | 1,798 |
| Efficiency ratio | 50.4120% | 4,186 |
| Assets per employee ($millions) | 8.1882% | 1,182 |
| Cash dividends to net income (ytd only)* | 47.7005% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,306 |
| Loan loss allowance to noncurrent loans | 115.0558% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 814 |
| Noncurrent loans to loans | 1.4018% | 760 |
| Net loans and leases to total assets | 59.9420% | 2,269 |
| Net loans and leases to deposits | 68.6107% | 2,380 |
| Net loans and leases to core deposits | 71.2196% | 2,496 |
| Total domestic deposits to total assets | 87.3653% | 2,177 |
| Equity capital to assets | 12.0773% | 1,365 |
| Core capital (leverage) ratio | 11.8842% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9574% | 1,360 |
| Memoranda: | ||
| Average total assets | $1,559,831,500 | 669 |
| Average earning assets | $1,487,730,750 | 650 |
| Average equity | $185,248,000 | 590 |
| Average total loans | $971,081,000 | 693 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1594% | 3,750 |
| Cost of funding earning assets | 0.2985% | 2,787 |
| Net interest margin | 2.8609% | 3,653 |
| Noninterest income to average assets | 0.8146% | 1,498 |
| Noninterest expense to average assets | 1.7692% | 4,246 |
| Loan and lease loss provision to assets | 0.0468% | 2,083 |
| Net operating income to assets | 1.6641% | 931 |
| Return on assets (ROA) | 1.6641% | 983 |
| Pretax return on assets | 1.7300% | 1,409 |
| Return on Equity (ROE) | 14.0917% | 1,386 |
| Retained earnings to average equity (ytd only) | 7.5713% | 2,226 |
| Net charge-offs to loans | 0.2382% | 365 |
| Credit loss provision to net charge-offs | 31.3574% | 1,693 |
| Earnings coverage of net charge-offs (x) | 11.8952% | 1,740 |
| Efficiency ratio | 49.8118% | 4,250 |
| Assets per employee ($millions) | 7.8777% | 1,266 |
| Cash dividends to net income (ytd only)* | 46.2713% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 1,292 |
| Loan loss allowance to noncurrent loans | 111.7469% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 891 |
| Noncurrent loans to loans | 1.4247% | 816 |
| Net loans and leases to total assets | 60.0529% | 2,422 |
| Net loans and leases to deposits | 69.6818% | 2,448 |
| Net loans and leases to core deposits | 72.7017% | 2,548 |
| Total domestic deposits to total assets | 86.1817% | 2,673 |
| Equity capital to assets | 11.9814% | 1,370 |
| Core capital (leverage) ratio | 11.3274% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8920% | 1,364 |
| Memoranda: | ||
| Average total assets | $1,558,462,333 | 664 |
| Average earning assets | $1,487,922,000 | 644 |
| Average equity | $184,037,000 | 589 |
| Average total loans | $977,166,667 | 688 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2199% | 3,646 |
| Cost of funding earning assets | 0.3192% | 2,803 |
| Net interest margin | 2.9007% | 3,520 |
| Noninterest income to average assets | 0.8327% | 1,506 |
| Noninterest expense to average assets | 1.6695% | 4,438 |
| Loan and lease loss provision to assets | 0.0442% | 2,187 |
| Net operating income to assets | 1.8097% | 775 |
| Return on assets (ROA) | 1.8097% | 826 |
| Pretax return on assets | 1.8886% | 1,137 |
| Return on Equity (ROE) | 15.4380% | 1,127 |
| Retained earnings to average equity (ytd only) | 8.8668% | 1,995 |
| Net charge-offs to loans | -0.0053% | 3,413 |
| Credit loss provision to net charge-offs | -1,323.0769% | 3,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2684% | 4,450 |
| Assets per employee ($millions) | 8.1228% | 1,140 |
| Cash dividends to net income (ytd only)* | 42.5653% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 1,189 |
| Loan loss allowance to noncurrent loans | 100.6047% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 811 |
| Noncurrent loans to loans | 1.6322% | 742 |
| Net loans and leases to total assets | 61.0257% | 2,401 |
| Net loans and leases to deposits | 70.6014% | 2,447 |
| Net loans and leases to core deposits | 74.4057% | 2,476 |
| Total domestic deposits to total assets | 86.4369% | 2,554 |
| Equity capital to assets | 11.4960% | 1,545 |
| Core capital (leverage) ratio | 11.4702% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5042% | 1,427 |
| Memoranda: | ||
| Average total assets | $1,557,805,500 | 657 |
| Average earning assets | $1,487,367,500 | 632 |
| Average equity | $182,614,000 | 585 |
| Average total loans | $989,827,500 | 681 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 3,484 |
| Cost of funding earning assets | 0.5826% | 2,428 |
| Net interest margin | 3.1521% | 3,487 |
| Noninterest income to average assets | 0.9635% | 1,118 |
| Noninterest expense to average assets | 1.9878% | 4,163 |
| Loan and lease loss provision to assets | 0.1675% | 2,288 |
| Net operating income to assets | 1.7289% | 461 |
| Return on assets (ROA) | 1.7438% | 484 |
| Pretax return on assets | 1.8197% | 660 |
| Return on Equity (ROE) | 14.2374% | 755 |
| Retained earnings to average equity (ytd only) | 6.7574% | 1,482 |
| Net charge-offs to loans | -0.1418% | 4,861 |
| Credit loss provision to net charge-offs | -173.6111% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1273% | 4,523 |
| Assets per employee ($millions) | 7.6583% | 1,184 |
| Cash dividends to net income (ytd only)* | 52.5375% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 1,295 |
| Loan loss allowance to noncurrent loans | 82.8211% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2680% | 646 |
| Noncurrent loans to loans | 1.9322% | 612 |
| Net loans and leases to total assets | 64.0447% | 2,358 |
| Net loans and leases to deposits | 74.7445% | 2,405 |
| Net loans and leases to core deposits | 81.2945% | 2,248 |
| Total domestic deposits to total assets | 85.6848% | 2,495 |
| Equity capital to assets | 11.9568% | 1,594 |
| Core capital (leverage) ratio | 11.3878% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9902% | 1,529 |
| Memoranda: | ||
| Average total assets | $1,418,117,800 | 649 |
| Average earning assets | $1,347,811,200 | 628 |
| Average equity | $173,690,400 | 581 |
| Average total loans | $964,922,200 | 668 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 3,361 |
| Cost of funding earning assets | 0.6358% | 2,399 |
| Net interest margin | 3.2337% | 3,384 |
| Noninterest income to average assets | 0.9829% | 1,050 |
| Noninterest expense to average assets | 1.9979% | 4,148 |
| Loan and lease loss provision to assets | 0.1991% | 1,998 |
| Net operating income to assets | 1.7791% | 474 |
| Return on assets (ROA) | 1.7993% | 505 |
| Pretax return on assets | 1.8776% | 668 |
| Return on Equity (ROE) | 14.5954% | 767 |
| Retained earnings to average equity (ytd only) | 6.9751% | 1,703 |
| Net charge-offs to loans | -0.1863% | 4,916 |
| Credit loss provision to net charge-offs | -155.1982% | 3,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2130% | 4,542 |
| Assets per employee ($millions) | 8.1812% | 936 |
| Cash dividends to net income (ytd only)* | 52.2101% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 1,152 |
| Loan loss allowance to noncurrent loans | 79.7488% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 704 |
| Noncurrent loans to loans | 1.9834% | 613 |
| Net loans and leases to total assets | 64.9241% | 2,647 |
| Net loans and leases to deposits | 77.5614% | 2,581 |
| Net loans and leases to core deposits | 84.4785% | 2,429 |
| Total domestic deposits to total assets | 83.7067% | 2,923 |
| Equity capital to assets | 12.0404% | 1,650 |
| Core capital (leverage) ratio | 11.6999% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2686% | 1,429 |
| Memoranda: | ||
| Average total assets | $1,389,732,000 | 647 |
| Average earning assets | $1,319,671,250 | 621 |
| Average equity | $171,328,750 | 582 |
| Average total loans | $956,927,500 | 666 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 3,249 |
| Cost of funding earning assets | 0.7133% | 2,313 |
| Net interest margin | 3.3165% | 3,340 |
| Noninterest income to average assets | 0.9453% | 1,078 |
| Noninterest expense to average assets | 2.0238% | 4,184 |
| Loan and lease loss provision to assets | 0.2474% | 1,700 |
| Net operating income to assets | 1.7432% | 567 |
| Return on assets (ROA) | 1.7744% | 577 |
| Pretax return on assets | 1.8515% | 737 |
| Return on Equity (ROE) | 14.2703% | 837 |
| Retained earnings to average equity (ytd only) | 6.2014% | 1,987 |
| Net charge-offs to loans | -0.2539% | 4,963 |
| Credit loss provision to net charge-offs | -139.3511% | 3,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3987% | 4,538 |
| Assets per employee ($millions) | 7.7290% | 1,072 |
| Cash dividends to net income (ytd only)* | 56.5435% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,227 |
| Loan loss allowance to noncurrent loans | 75.6962% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3913% | 706 |
| Noncurrent loans to loans | 1.9985% | 679 |
| Net loans and leases to total assets | 67.5946% | 2,423 |
| Net loans and leases to deposits | 81.1200% | 2,301 |
| Net loans and leases to core deposits | 89.2388% | 2,136 |
| Total domestic deposits to total assets | 83.3266% | 2,988 |
| Equity capital to assets | 12.1031% | 1,605 |
| Core capital (leverage) ratio | 11.6773% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0065% | 1,485 |
| Memoranda: | ||
| Average total assets | $1,353,920,333 | 650 |
| Average earning assets | $1,283,869,667 | 621 |
| Average equity | $168,350,000 | 593 |
| Average total loans | $946,688,667 | 658 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 3,316 |
| Cost of funding earning assets | 0.8294% | 2,227 |
| Net interest margin | 3.3421% | 3,475 |
| Noninterest income to average assets | 0.7633% | 1,422 |
| Noninterest expense to average assets | 2.1154% | 4,187 |
| Loan and lease loss provision to assets | 0.2300% | 1,348 |
| Net operating income to assets | 1.5125% | 760 |
| Return on assets (ROA) | 1.5125% | 830 |
| Pretax return on assets | 1.5778% | 1,118 |
| Return on Equity (ROE) | 11.9860% | 1,111 |
| Retained earnings to average equity (ytd only) | 2.7705% | 3,173 |
| Net charge-offs to loans | 0.0894% | 1,158 |
| Credit loss provision to net charge-offs | 364.0777% | 1,058 |
| Earnings coverage of net charge-offs (x) | 28.6165% | 1,206 |
| Efficiency ratio | 53.8341% | 4,409 |
| Assets per employee ($millions) | 6.5518% | 1,316 |
| Cash dividends to net income (ytd only)* | 76.8856% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 1,825 |
| Loan loss allowance to noncurrent loans | 164.6315% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7267% | 1,850 |
| Noncurrent loans to loans | 0.8302% | 1,946 |
| Net loans and leases to total assets | 69.8908% | 2,268 |
| Net loans and leases to deposits | 82.2265% | 2,426 |
| Net loans and leases to core deposits | 91.8715% | 2,176 |
| Total domestic deposits to total assets | 84.9978% | 2,409 |
| Equity capital to assets | 12.5251% | 1,713 |
| Core capital (leverage) ratio | 12.5151% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5235% | 1,753 |
| Memoranda: | ||
| Average total assets | $1,304,350,500 | 640 |
| Average earning assets | $1,233,231,000 | 620 |
| Average equity | $164,592,000 | 604 |
| Average total loans | $921,394,500 | 652 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 3,349 |
| Cost of funding earning assets | 1.0261% | 1,615 |
| Net interest margin | 3.3378% | 3,898 |
| Noninterest income to average assets | 0.7029% | 1,809 |
| Noninterest expense to average assets | 2.0963% | 4,377 |
| Loan and lease loss provision to assets | 0.1100% | 1,895 |
| Net operating income to assets | 1.5781% | 880 |
| Return on assets (ROA) | 1.5942% | 900 |
| Pretax return on assets | 1.6634% | 1,293 |
| Return on Equity (ROE) | 12.7505% | 1,259 |
| Retained earnings to average equity (ytd only) | 3.7114% | 3,138 |
| Net charge-offs to loans | 0.0517% | 2,377 |
| Credit loss provision to net charge-offs | 307.0175% | 902 |
| Earnings coverage of net charge-offs (x) | 49.0307% | 1,143 |
| Efficiency ratio | 54.3200% | 4,391 |
| Assets per employee ($millions) | 6.3635% | 1,379 |
| Cash dividends to net income (ytd only)* | 70.8921% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 1,737 |
| Loan loss allowance to noncurrent loans | 465.4975% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 2,961 |
| Noncurrent loans to loans | 0.2884% | 3,403 |
| Net loans and leases to total assets | 69.4715% | 2,482 |
| Net loans and leases to deposits | 82.0446% | 2,554 |
| Net loans and leases to core deposits | 91.3723% | 2,290 |
| Total domestic deposits to total assets | 84.6752% | 2,616 |
| Equity capital to assets | 12.7141% | 1,698 |
| Core capital (leverage) ratio | 12.4187% | 1,530 |
| Tier 1 risk-based capital ratio | 14.4510% | 3,043 |
| Total risk-based capital ratio | 15.5574% | 3,033 |
| Memoranda: | ||
| Average total assets | $1,272,759,400 | 623 |
| Average earning assets | $1,201,172,400 | 606 |
| Average equity | $159,130,600 | 589 |
| Average total loans | $882,479,200 | 653 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 3,372 |
| Cost of funding earning assets | 1.0583% | 1,508 |
| Net interest margin | 3.3367% | 4,020 |
| Noninterest income to average assets | 0.7294% | 1,666 |
| Noninterest expense to average assets | 2.0981% | 4,366 |
| Loan and lease loss provision to assets | 0.1314% | 1,466 |
| Net operating income to assets | 1.5807% | 976 |
| Return on assets (ROA) | 1.6021% | 969 |
| Pretax return on assets | 1.6715% | 1,415 |
| Return on Equity (ROE) | 12.8690% | 1,329 |
| Retained earnings to average equity (ytd only) | 3.9225% | 3,439 |
| Net charge-offs to loans | 0.0745% | 1,755 |
| Credit loss provision to net charge-offs | 255.6237% | 1,071 |
| Earnings coverage of net charge-offs (x) | 34.6301% | 1,491 |
| Efficiency ratio | 54.0055% | 4,392 |
| Assets per employee ($millions) | 6.3528% | 1,360 |
| Cash dividends to net income (ytd only)* | 69.5195% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 1,750 |
| Loan loss allowance to noncurrent loans | 326.1388% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 2,718 |
| Noncurrent loans to loans | 0.4148% | 3,058 |
| Net loans and leases to total assets | 68.6793% | 2,678 |
| Net loans and leases to deposits | 81.3634% | 2,759 |
| Net loans and leases to core deposits | 89.6082% | 2,574 |
| Total domestic deposits to total assets | 84.4106% | 2,667 |
| Equity capital to assets | 12.8006% | 1,731 |
| Core capital (leverage) ratio | 12.7017% | 1,482 |
| Tier 1 risk-based capital ratio | 14.6862% | 2,993 |
| Total risk-based capital ratio | 15.8027% | 2,975 |
| Memoranda: | ||
| Average total assets | $1,267,999,500 | 627 |
| Average earning assets | $1,196,778,750 | 611 |
| Average equity | $157,853,000 | 595 |
| Average total loans | $875,688,500 | 662 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3689% | 3,422 |
| Cost of funding earning assets | 1.0726% | 1,410 |
| Net interest margin | 3.2963% | 4,155 |
| Noninterest income to average assets | 0.7249% | 1,625 |
| Noninterest expense to average assets | 2.0912% | 4,432 |
| Loan and lease loss provision to assets | 0.1423% | 1,307 |
| Net operating income to assets | 1.5396% | 1,031 |
| Return on assets (ROA) | 1.5481% | 1,060 |
| Pretax return on assets | 1.6151% | 1,500 |
| Return on Equity (ROE) | 12.5550% | 1,385 |
| Retained earnings to average equity (ytd only) | 3.8362% | 3,324 |
| Net charge-offs to loans | 0.1145% | 1,280 |
| Credit loss provision to net charge-offs | 180.3607% | 1,314 |
| Earnings coverage of net charge-offs (x) | 22.1643% | 1,704 |
| Efficiency ratio | 54.3707% | 4,428 |
| Assets per employee ($millions) | 6.3434% | 1,312 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 1,916 |
| Loan loss allowance to noncurrent loans | 259.9599% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 2,471 |
| Noncurrent loans to loans | 0.5089% | 2,753 |
| Net loans and leases to total assets | 68.9455% | 2,683 |
| Net loans and leases to deposits | 81.4744% | 2,790 |
| Net loans and leases to core deposits | 88.9386% | 2,708 |
| Total domestic deposits to total assets | 84.6223% | 2,631 |
| Equity capital to assets | 12.7811% | 1,698 |
| Core capital (leverage) ratio | 12.3909% | 1,594 |
| Tier 1 risk-based capital ratio | 14.9019% | 2,885 |
| Total risk-based capital ratio | 16.0126% | 2,866 |
| Memoranda: | ||
| Average total assets | $1,265,026,000 | 630 |
| Average earning assets | $1,195,407,670 | 615 |
| Average equity | $155,986,000 | 596 |
| Average total loans | $871,248,670 | 670 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 3,571 |
| Cost of funding earning assets | 1.0245% | 1,466 |
| Net interest margin | 3.2722% | 4,224 |
| Noninterest income to average assets | 0.6712% | 1,722 |
| Noninterest expense to average assets | 2.0534% | 4,545 |
| Loan and lease loss provision to assets | 0.1106% | 1,605 |
| Net operating income to assets | 1.5311% | 1,049 |
| Return on assets (ROA) | 1.5480% | 1,041 |
| Pretax return on assets | 1.6150% | 1,431 |
| Return on Equity (ROE) | 12.7872% | 1,288 |
| Retained earnings to average equity (ytd only) | 4.4381% | 3,153 |
| Net charge-offs to loans | -0.0125% | 4,315 |
| Credit loss provision to net charge-offs | -1,296.2963% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5012% | 4,483 |
| Assets per employee ($millions) | 6.4251% | 1,270 |
| Cash dividends to net income (ytd only)* | 65.2928% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 1,942 |
| Loan loss allowance to noncurrent loans | 142.4220% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 2,069 |
| Noncurrent loans to loans | 0.9367% | 1,793 |
| Net loans and leases to total assets | 67.3516% | 2,852 |
| Net loans and leases to deposits | 79.1064% | 2,942 |
| Net loans and leases to core deposits | 86.6944% | 2,806 |
| Total domestic deposits to total assets | 85.1405% | 2,633 |
| Equity capital to assets | 12.1304% | 1,945 |
| Core capital (leverage) ratio | 12.4576% | 1,539 |
| Tier 1 risk-based capital ratio | 14.7021% | 3,003 |
| Total risk-based capital ratio | 15.8047% | 3,004 |
| Memoranda: | ||
| Average total assets | $1,266,374,500 | 632 |
| Average earning assets | $1,195,877,500 | 613 |
| Average equity | $153,309,000 | 598 |
| Average total loans | $865,880,000 | 671 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1739% | 3,511 |
| Cost of funding earning assets | 0.8734% | 1,198 |
| Net interest margin | 3.3005% | 4,258 |
| Noninterest income to average assets | 0.7846% | 1,502 |
| Noninterest expense to average assets | 2.0538% | 4,644 |
| Loan and lease loss provision to assets | 0.1592% | 1,294 |
| Net operating income to assets | 1.6223% | 828 |
| Return on assets (ROA) | 1.6295% | 809 |
| Pretax return on assets | 1.7001% | 1,169 |
| Return on Equity (ROE) | 13.9695% | 1,050 |
| Retained earnings to average equity (ytd only) | 5.4399% | 2,511 |
| Net charge-offs to loans | 0.3007% | 643 |
| Credit loss provision to net charge-offs | 77.5194% | 2,903 |
| Earnings coverage of net charge-offs (x) | 9.0178% | 2,843 |
| Efficiency ratio | 52.5637% | 4,750 |
| Assets per employee ($millions) | 6.3988% | 1,268 |
| Cash dividends to net income (ytd only)* | 61.0590% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 1,984 |
| Loan loss allowance to noncurrent loans | 159.8921% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 2,227 |
| Noncurrent loans to loans | 0.8203% | 1,966 |
| Net loans and leases to total assets | 67.5911% | 2,932 |
| Net loans and leases to deposits | 79.2772% | 3,034 |
| Net loans and leases to core deposits | 87.2895% | 2,811 |
| Total domestic deposits to total assets | 85.2593% | 2,528 |
| Equity capital to assets | 12.0814% | 1,834 |
| Core capital (leverage) ratio | 12.1343% | 1,650 |
| Tier 1 risk-based capital ratio | 14.8870% | 2,886 |
| Total risk-based capital ratio | 15.9794% | 2,882 |
| Memoranda: | ||
| Average total assets | $1,256,373,600 | 625 |
| Average earning assets | $1,188,073,600 | 603 |
| Average equity | $146,547,800 | 592 |
| Average total loans | $858,050,400 | 652 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,514 |
| Cost of funding earning assets | 0.8263% | 1,212 |
| Net interest margin | 3.3093% | 4,253 |
| Noninterest income to average assets | 0.7634% | 1,614 |
| Noninterest expense to average assets | 2.0196% | 4,701 |
| Loan and lease loss provision to assets | 0.1644% | 1,156 |
| Net operating income to assets | 1.6404% | 862 |
| Return on assets (ROA) | 1.6500% | 849 |
| Pretax return on assets | 1.7217% | 1,222 |
| Return on Equity (ROE) | 14.2731% | 1,044 |
| Retained earnings to average equity (ytd only) | 4.6384% | 3,430 |
| Net charge-offs to loans | 0.3693% | 438 |
| Credit loss provision to net charge-offs | 65.2357% | 2,680 |
| Earnings coverage of net charge-offs (x) | 7.4440% | 2,810 |
| Efficiency ratio | 51.8407% | 4,825 |
| Assets per employee ($millions) | 6.3587% | 1,256 |
| Cash dividends to net income (ytd only)* | 67.5024% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,187 |
| Loan loss allowance to noncurrent loans | 170.2983% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 2,512 |
| Noncurrent loans to loans | 0.7527% | 2,211 |
| Net loans and leases to total assets | 67.7529% | 2,981 |
| Net loans and leases to deposits | 79.0976% | 3,132 |
| Net loans and leases to core deposits | 89.7709% | 2,682 |
| Total domestic deposits to total assets | 85.6573% | 2,342 |
| Equity capital to assets | 11.5963% | 2,184 |
| Core capital (leverage) ratio | 12.0648% | 1,750 |
| Tier 1 risk-based capital ratio | 14.6678% | 3,034 |
| Total risk-based capital ratio | 15.7399% | 3,049 |
| Memoranda: | ||
| Average total assets | $1,256,926,250 | 626 |
| Average earning assets | $1,189,715,000 | 602 |
| Average equity | $145,304,500 | 588 |
| Average total loans | $857,820,750 | 646 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 3,465 |
| Cost of funding earning assets | 0.7750% | 1,258 |
| Net interest margin | 3.3201% | 4,192 |
| Noninterest income to average assets | 0.7728% | 1,558 |
| Noninterest expense to average assets | 2.0033% | 4,794 |
| Loan and lease loss provision to assets | 0.1192% | 1,664 |
| Net operating income to assets | 1.7221% | 694 |
| Return on assets (ROA) | 1.7221% | 694 |
| Pretax return on assets | 1.7968% | 969 |
| Return on Equity (ROE) | 14.9121% | 869 |
| Retained earnings to average equity (ytd only) | 5.2781% | 2,942 |
| Net charge-offs to loans | 0.1365% | 1,099 |
| Credit loss provision to net charge-offs | 128.2051% | 1,732 |
| Earnings coverage of net charge-offs (x) | 20.6068% | 1,801 |
| Efficiency ratio | 51.1132% | 4,958 |
| Assets per employee ($millions) | 6.2542% | 1,296 |
| Cash dividends to net income (ytd only)* | 64.6054% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,781 |
| Loan loss allowance to noncurrent loans | 154.6613% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 2,253 |
| Noncurrent loans to loans | 0.8993% | 1,921 |
| Net loans and leases to total assets | 67.7404% | 2,905 |
| Net loans and leases to deposits | 81.8256% | 2,786 |
| Net loans and leases to core deposits | 92.9901% | 2,310 |
| Total domestic deposits to total assets | 82.7864% | 3,473 |
| Equity capital to assets | 11.6043% | 2,124 |
| Core capital (leverage) ratio | 11.8390% | 1,815 |
| Tier 1 risk-based capital ratio | 14.5405% | 3,098 |
| Total risk-based capital ratio | 15.7079% | 3,047 |
| Memoranda: | ||
| Average total assets | $1,258,347,330 | 626 |
| Average earning assets | $1,192,564,330 | 602 |
| Average equity | $145,318,330 | 582 |
| Average total loans | $857,182,670 | 641 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 3,468 |
| Cost of funding earning assets | 0.7142% | 1,373 |
| Net interest margin | 3.3254% | 4,119 |
| Noninterest income to average assets | 0.7508% | 1,619 |
| Noninterest expense to average assets | 1.9810% | 4,883 |
| Loan and lease loss provision to assets | 0.1191% | 1,584 |
| Net operating income to assets | 1.7271% | 649 |
| Return on assets (ROA) | 1.7271% | 657 |
| Pretax return on assets | 1.8018% | 909 |
| Return on Equity (ROE) | 14.9918% | 804 |
| Retained earnings to average equity (ytd only) | 2.5814% | 4,142 |
| Net charge-offs to loans | -0.0337% | 4,794 |
| Credit loss provision to net charge-offs | -520.8333% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7695% | 5,042 |
| Assets per employee ($millions) | 6.4072% | 1,252 |
| Cash dividends to net income (ytd only)* | 82.7815% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,751 |
| Loan loss allowance to noncurrent loans | 145.3761% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 2,157 |
| Noncurrent loans to loans | 0.9793% | 1,859 |
| Net loans and leases to total assets | 67.4353% | 2,831 |
| Net loans and leases to deposits | 80.3972% | 2,766 |
| Net loans and leases to core deposits | 91.3473% | 2,347 |
| Total domestic deposits to total assets | 83.8777% | 3,378 |
| Equity capital to assets | 11.3934% | 2,223 |
| Core capital (leverage) ratio | 11.6488% | 1,892 |
| Tier 1 risk-based capital ratio | 14.2887% | 3,232 |
| Total risk-based capital ratio | 15.4861% | 3,181 |
| Memoranda: | ||
| Average total assets | $1,258,978,500 | 627 |
| Average earning assets | $1,193,010,500 | 605 |
| Average equity | $145,039,500 | 586 |
| Average total loans | $853,991,000 | 644 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 4,054 |
| Cost of funding earning assets | 0.6505% | 1,289 |
| Net interest margin | 3.1470% | 4,585 |
| Noninterest income to average assets | 0.7508% | 1,771 |
| Noninterest expense to average assets | 2.0549% | 4,870 |
| Loan and lease loss provision to assets | 0.0852% | 2,497 |
| Net operating income to assets | 1.5172% | 769 |
| Return on assets (ROA) | 1.4932% | 839 |
| Pretax return on assets | 1.5615% | 1,415 |
| Return on Equity (ROE) | 12.7158% | 1,023 |
| Retained earnings to average equity (ytd only) | 4.0764% | 2,731 |
| Net charge-offs to loans | -0.0029% | 4,568 |
| Credit loss provision to net charge-offs | -4,565.2174% | 5,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1396% | 4,849 |
| Assets per employee ($millions) | 6.2475% | 1,350 |
| Cash dividends to net income (ytd only)* | 67.9422% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 1,756 |
| Loan loss allowance to noncurrent loans | 572.5471% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 4,099 |
| Noncurrent loans to loans | 0.2450% | 3,916 |
| Net loans and leases to total assets | 66.3085% | 3,056 |
| Net loans and leases to deposits | 79.6594% | 2,953 |
| Net loans and leases to core deposits | 86.4838% | 2,875 |
| Total domestic deposits to total assets | 83.2400% | 3,480 |
| Equity capital to assets | 11.6481% | 2,076 |
| Core capital (leverage) ratio | 11.8513% | 1,690 |
| Tier 1 risk-based capital ratio | 14.2895% | 3,204 |
| Total risk-based capital ratio | 15.4508% | 3,152 |
| Memoranda: | ||
| Average total assets | $1,232,147,000 | 616 |
| Average earning assets | $1,165,157,600 | 604 |
| Average equity | $144,686,200 | 556 |
| Average total loans | $792,905,000 | 663 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,074 |
| Cost of funding earning assets | 0.6611% | 1,176 |
| Net interest margin | 3.1181% | 4,662 |
| Noninterest income to average assets | 0.7463% | 1,803 |
| Noninterest expense to average assets | 2.0354% | 4,884 |
| Loan and lease loss provision to assets | 0.0815% | 2,461 |
| Net operating income to assets | 1.5100% | 872 |
| Return on assets (ROA) | 1.4778% | 956 |
| Pretax return on assets | 1.5454% | 1,595 |
| Return on Equity (ROE) | 12.5587% | 1,167 |
| Retained earnings to average equity (ytd only) | 3.7803% | 3,675 |
| Net charge-offs to loans | -0.0062% | 4,501 |
| Credit loss provision to net charge-offs | -2,083.3333% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0718% | 4,841 |
| Assets per employee ($millions) | 6.0609% | 1,450 |
| Cash dividends to net income (ytd only)* | 69.8992% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,701 |
| Loan loss allowance to noncurrent loans | 877.0106% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,497 |
| Noncurrent loans to loans | 0.1654% | 4,402 |
| Net loans and leases to total assets | 64.4805% | 3,327 |
| Net loans and leases to deposits | 76.4474% | 3,330 |
| Net loans and leases to core deposits | 82.7152% | 3,230 |
| Total domestic deposits to total assets | 84.3462% | 2,980 |
| Equity capital to assets | 12.0739% | 1,919 |
| Core capital (leverage) ratio | 11.8907% | 1,762 |
| Tier 1 risk-based capital ratio | 14.6878% | 3,077 |
| Total risk-based capital ratio | 15.8672% | 3,040 |
| Memoranda: | ||
| Average total assets | $1,226,246,750 | 621 |
| Average earning assets | $1,159,989,250 | 605 |
| Average equity | $144,290,000 | 563 |
| Average total loans | $780,002,750 | 673 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 4,164 |
| Cost of funding earning assets | 0.6923% | 929 |
| Net interest margin | 3.0270% | 4,851 |
| Noninterest income to average assets | 0.7387% | 1,820 |
| Noninterest expense to average assets | 2.0167% | 4,941 |
| Loan and lease loss provision to assets | 0.0814% | 2,359 |
| Net operating income to assets | 1.4372% | 983 |
| Return on assets (ROA) | 1.3939% | 1,109 |
| Pretax return on assets | 1.4577% | 1,802 |
| Return on Equity (ROE) | 11.9492% | 1,317 |
| Retained earnings to average equity (ytd only) | 3.5785% | 3,574 |
| Net charge-offs to loans | -0.0036% | 4,268 |
| Credit loss provision to net charge-offs | -3,571.4286% | 5,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0065% | 4,828 |
| Assets per employee ($millions) | 5.8782% | 1,552 |
| Cash dividends to net income (ytd only)* | 70.0525% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,846 |
| Loan loss allowance to noncurrent loans | 458.2623% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 4,295 |
| Noncurrent loans to loans | 0.3106% | 3,928 |
| Net loans and leases to total assets | 64.5544% | 3,304 |
| Net loans and leases to deposits | 80.3397% | 2,872 |
| Net loans and leases to core deposits | 85.9017% | 2,889 |
| Total domestic deposits to total assets | 80.3518% | 4,335 |
| Equity capital to assets | 12.0835% | 1,873 |
| Core capital (leverage) ratio | 11.7145% | 1,819 |
| Tier 1 risk-based capital ratio | 14.5079% | 3,164 |
| Total risk-based capital ratio | 15.6575% | 3,144 |
| Memoranda: | ||
| Average total assets | $1,228,912,330 | 620 |
| Average earning assets | $1,161,995,330 | 604 |
| Average equity | $143,356,670 | 567 |
| Average total loans | $774,306,000 | 680 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 4,383 |
| Cost of funding earning assets | 0.6504% | 1,075 |
| Net interest margin | 2.9621% | 4,975 |
| Noninterest income to average assets | 0.7034% | 1,951 |
| Noninterest expense to average assets | 1.9882% | 5,077 |
| Loan and lease loss provision to assets | 0.0808% | 2,201 |
| Net operating income to assets | 1.3723% | 1,054 |
| Return on assets (ROA) | 1.3723% | 1,091 |
| Pretax return on assets | 1.4350% | 1,749 |
| Return on Equity (ROE) | 11.9740% | 1,245 |
| Retained earnings to average equity (ytd only) | 3.5158% | 3,685 |
| Net charge-offs to loans | -0.0031% | 4,068 |
| Credit loss provision to net charge-offs | -4,166.6667% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7411% | 4,863 |
| Assets per employee ($millions) | 6.2154% | 1,361 |
| Cash dividends to net income (ytd only)* | 70.6381% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,976 |
| Loan loss allowance to noncurrent loans | 449.4295% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 4,386 |
| Noncurrent loans to loans | 0.3168% | 3,990 |
| Net loans and leases to total assets | 61.7337% | 3,575 |
| Net loans and leases to deposits | 76.5667% | 3,129 |
| Net loans and leases to core deposits | 81.1075% | 3,184 |
| Total domestic deposits to total assets | 80.6273% | 4,498 |
| Equity capital to assets | 11.5499% | 2,151 |
| Core capital (leverage) ratio | 11.6214% | 1,866 |
| Tier 1 risk-based capital ratio | 14.4330% | 3,237 |
| Total risk-based capital ratio | 15.5610% | 3,230 |
| Memoranda: | ||
| Average total assets | $1,237,910,000 | 619 |
| Average earning assets | $1,170,405,000 | 604 |
| Average equity | $141,874,500 | 568 |
| Average total loans | $764,965,500 | 693 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6210% | 4,461 |
| Cost of funding earning assets | 0.6203% | 1,207 |
| Net interest margin | 3.0006% | 4,959 |
| Noninterest income to average assets | 0.7626% | 1,914 |
| Noninterest expense to average assets | 2.0064% | 5,175 |
| Loan and lease loss provision to assets | 0.0742% | 2,869 |
| Net operating income to assets | 1.4557% | 907 |
| Return on assets (ROA) | 1.4558% | 931 |
| Pretax return on assets | 1.5225% | 1,521 |
| Return on Equity (ROE) | 12.4208% | 1,138 |
| Retained earnings to average equity (ytd only) | 3.9804% | 3,088 |
| Net charge-offs to loans | 0.0451% | 3,139 |
| Credit loss provision to net charge-offs | 266.2722% | 1,082 |
| Earnings coverage of net charge-offs (x) | 57.2988% | 926 |
| Efficiency ratio | 55.6870% | 5,091 |
| Assets per employee ($millions) | 6.4866% | 1,164 |
| Cash dividends to net income (ytd only)* | 67.9540% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 1,978 |
| Loan loss allowance to noncurrent loans | 374.4526% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 4,353 |
| Noncurrent loans to loans | 0.3809% | 3,767 |
| Net loans and leases to total assets | 60.0964% | 3,838 |
| Net loans and leases to deposits | 74.7422% | 3,443 |
| Net loans and leases to core deposits | 80.4145% | 3,360 |
| Total domestic deposits to total assets | 80.4049% | 4,477 |
| Equity capital to assets | 11.3718% | 2,268 |
| Core capital (leverage) ratio | 11.1256% | 2,232 |
| Tier 1 risk-based capital ratio | 14.5305% | 3,186 |
| Total risk-based capital ratio | 15.6497% | 3,171 |
| Memoranda: | ||
| Average total assets | $1,213,043,600 | 606 |
| Average earning assets | $1,148,223,200 | 585 |
| Average equity | $142,172,400 | 555 |
| Average total loans | $750,244,600 | 665 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 4,486 |
| Cost of funding earning assets | 0.6088% | 1,265 |
| Net interest margin | 3.0141% | 4,989 |
| Noninterest income to average assets | 0.7585% | 1,939 |
| Noninterest expense to average assets | 2.0013% | 5,199 |
| Loan and lease loss provision to assets | 0.0663% | 2,899 |
| Net operating income to assets | 1.4774% | 918 |
| Return on assets (ROA) | 1.4775% | 962 |
| Pretax return on assets | 1.5453% | 1,555 |
| Return on Equity (ROE) | 12.5112% | 1,170 |
| Retained earnings to average equity (ytd only) | 4.0899% | 3,394 |
| Net charge-offs to loans | 0.0374% | 2,880 |
| Credit loss provision to net charge-offs | 285.7143% | 1,080 |
| Earnings coverage of net charge-offs (x) | 69.4436% | 863 |
| Efficiency ratio | 55.3955% | 5,119 |
| Assets per employee ($millions) | 6.2090% | 1,291 |
| Cash dividends to net income (ytd only)* | 67.3099% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 2,279 |
| Loan loss allowance to noncurrent loans | 360.7009% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 4,467 |
| Noncurrent loans to loans | 0.3832% | 3,886 |
| Net loans and leases to total assets | 60.5992% | 3,801 |
| Net loans and leases to deposits | 75.7191% | 3,429 |
| Net loans and leases to core deposits | 83.1539% | 3,202 |
| Total domestic deposits to total assets | 80.0317% | 4,507 |
| Equity capital to assets | 11.6394% | 2,408 |
| Core capital (leverage) ratio | 11.4265% | 2,095 |
| Tier 1 risk-based capital ratio | 14.4351% | 3,316 |
| Total risk-based capital ratio | 15.5394% | 3,336 |
| Memoranda: | ||
| Average total assets | $1,206,567,750 | 611 |
| Average earning assets | $1,142,598,000 | 589 |
| Average equity | $142,492,750 | 558 |
| Average total loans | $748,972,000 | 667 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 4,504 |
| Cost of funding earning assets | 0.5973% | 1,338 |
| Net interest margin | 3.0337% | 5,009 |
| Noninterest income to average assets | 0.7527% | 1,920 |
| Noninterest expense to average assets | 2.0064% | 5,255 |
| Loan and lease loss provision to assets | 0.0503% | 3,144 |
| Net operating income to assets | 1.5006% | 894 |
| Return on assets (ROA) | 1.5006% | 935 |
| Pretax return on assets | 1.5695% | 1,458 |
| Return on Equity (ROE) | 12.6425% | 1,119 |
| Retained earnings to average equity (ytd only) | 4.1661% | 3,255 |
| Net charge-offs to loans | 0.0616% | 2,315 |
| Credit loss provision to net charge-offs | 131.0044% | 1,763 |
| Earnings coverage of net charge-offs (x) | 42.1834% | 1,118 |
| Efficiency ratio | 55.3315% | 5,213 |
| Assets per employee ($millions) | 5.9266% | 1,451 |
| Cash dividends to net income (ytd only)* | 67.0466% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 2,635 |
| Loan loss allowance to noncurrent loans | 552.2019% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 4,850 |
| Noncurrent loans to loans | 0.2404% | 4,487 |
| Net loans and leases to total assets | 63.5228% | 3,432 |
| Net loans and leases to deposits | 81.4869% | 2,763 |
| Net loans and leases to core deposits | 89.2107% | 2,616 |
| Total domestic deposits to total assets | 77.9547% | 5,011 |
| Equity capital to assets | 12.0772% | 2,077 |
| Core capital (leverage) ratio | 11.5242% | 1,973 |
| Tier 1 risk-based capital ratio | 14.5153% | 3,311 |
| Total risk-based capital ratio | 15.6036% | 3,327 |
| Memoranda: | ||
| Average total assets | $1,192,756,670 | 614 |
| Average earning assets | $1,129,780,330 | 594 |
| Average equity | $141,570,330 | 562 |
| Average total loans | $743,002,670 | 671 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6069% | 4,600 |
| Cost of funding earning assets | 0.5909% | 1,400 |
| Net interest margin | 3.0160% | 5,080 |
| Noninterest income to average assets | 0.7279% | 1,915 |
| Noninterest expense to average assets | 1.9936% | 5,356 |
| Loan and lease loss provision to assets | 0.0404% | 3,108 |
| Net operating income to assets | 1.4796% | 891 |
| Return on assets (ROA) | 1.4796% | 935 |
| Pretax return on assets | 1.5477% | 1,444 |
| Return on Equity (ROE) | 12.5780% | 1,132 |
| Retained earnings to average equity (ytd only) | 3.9884% | 3,497 |
| Net charge-offs to loans | 0.1342% | 1,299 |
| Credit loss provision to net charge-offs | 49.1803% | 2,059 |
| Earnings coverage of net charge-offs (x) | 19.3238% | 1,510 |
| Efficiency ratio | 55.6611% | 5,221 |
| Assets per employee ($millions) | 6.1205% | 1,322 |
| Cash dividends to net income (ytd only)* | 68.2905% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 2,611 |
| Loan loss allowance to noncurrent loans | 470.6953% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 4,790 |
| Noncurrent loans to loans | 0.2888% | 4,398 |
| Net loans and leases to total assets | 60.6958% | 3,687 |
| Net loans and leases to deposits | 77.0794% | 3,100 |
| Net loans and leases to core deposits | 83.6865% | 2,963 |
| Total domestic deposits to total assets | 78.7445% | 5,022 |
| Equity capital to assets | 11.7294% | 2,220 |
| Core capital (leverage) ratio | 11.7071% | 1,822 |
| Tier 1 risk-based capital ratio | 14.5861% | 3,348 |
| Total risk-based capital ratio | 15.6714% | 3,369 |
| Memoranda: | ||
| Average total assets | $1,187,580,500 | 616 |
| Average earning assets | $1,123,748,500 | 594 |
| Average equity | $139,704,500 | 567 |
| Average total loans | $727,238,500 | 686 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5871% | 4,705 |
| Cost of funding earning assets | 0.6182% | 1,249 |
| Net interest margin | 2.9689% | 5,210 |
| Noninterest income to average assets | 0.7469% | 2,000 |
| Noninterest expense to average assets | 2.0059% | 5,443 |
| Loan and lease loss provision to assets | 0.0759% | 2,753 |
| Net operating income to assets | 1.4010% | 1,035 |
| Return on assets (ROA) | 1.4679% | 948 |
| Pretax return on assets | 1.5445% | 1,420 |
| Return on Equity (ROE) | 12.6533% | 1,140 |
| Retained earnings to average equity (ytd only) | 3.9279% | 3,245 |
| Net charge-offs to loans | 0.0584% | 3,050 |
| Credit loss provision to net charge-offs | 223.8806% | 1,268 |
| Earnings coverage of net charge-offs (x) | 45.7090% | 1,067 |
| Efficiency ratio | 56.4109% | 5,307 |
| Assets per employee ($millions) | 6.0280% | 1,366 |
| Cash dividends to net income (ytd only)* | 68.9576% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 2,281 |
| Loan loss allowance to noncurrent loans | 455.2385% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 4,752 |
| Noncurrent loans to loans | 0.3148% | 4,335 |
| Net loans and leases to total assets | 60.0592% | 3,828 |
| Net loans and leases to deposits | 77.2799% | 3,131 |
| Net loans and leases to core deposits | 80.7147% | 3,275 |
| Total domestic deposits to total assets | 77.7165% | 5,216 |
| Equity capital to assets | 11.7993% | 2,111 |
| Core capital (leverage) ratio | 11.5448% | 1,926 |
| Tier 1 risk-based capital ratio | 15.1723% | 3,094 |
| Total risk-based capital ratio | 16.3271% | 3,075 |
| Memoranda: | ||
| Average total assets | $1,185,519,200 | 595 |
| Average earning assets | $1,121,617,800 | 575 |
| Average equity | $137,529,200 | 547 |
| Average total loans | $688,706,400 | 676 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 4,816 |
| Cost of funding earning assets | 0.6228% | 1,259 |
| Net interest margin | 2.9486% | 5,311 |
| Noninterest income to average assets | 0.7497% | 2,028 |
| Noninterest expense to average assets | 1.9757% | 5,526 |
| Loan and lease loss provision to assets | 0.0471% | 3,262 |
| Net operating income to assets | 1.4540% | 1,002 |
| Return on assets (ROA) | 1.5248% | 921 |
| Pretax return on assets | 1.5925% | 1,404 |
| Return on Equity (ROE) | 13.1995% | 1,084 |
| Retained earnings to average equity (ytd only) | 6.4077% | 2,012 |
| Net charge-offs to loans | 0.0982% | 2,169 |
| Credit loss provision to net charge-offs | 83.4990% | 2,557 |
| Earnings coverage of net charge-offs (x) | 27.7734% | 1,572 |
| Efficiency ratio | 55.7869% | 5,376 |
| Assets per employee ($millions) | 6.2197% | 1,223 |
| Cash dividends to net income (ytd only)* | 51.4555% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 2,665 |
| Loan loss allowance to noncurrent loans | 377.3511% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 4,663 |
| Noncurrent loans to loans | 0.3676% | 4,297 |
| Net loans and leases to total assets | 58.5439% | 4,075 |
| Net loans and leases to deposits | 77.1499% | 3,180 |
| Net loans and leases to core deposits | 80.4263% | 3,395 |
| Total domestic deposits to total assets | 75.8833% | 5,506 |
| Equity capital to assets | 12.0162% | 2,091 |
| Core capital (leverage) ratio | 11.5462% | 2,002 |
| Tier 1 risk-based capital ratio | 15.8042% | 2,895 |
| Total risk-based capital ratio | 16.9290% | 2,897 |
| Memoranda: | ||
| Average total assets | $1,189,541,750 | 596 |
| Average earning assets | $1,126,289,500 | 573 |
| Average equity | $137,415,500 | 553 |
| Average total loans | $682,742,750 | 685 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5470% | 4,867 |
| Cost of funding earning assets | 0.6290% | 1,236 |
| Net interest margin | 2.9181% | 5,406 |
| Noninterest income to average assets | 0.7294% | 2,098 |
| Noninterest expense to average assets | 1.9576% | 5,618 |
| Loan and lease loss provision to assets | 0.0401% | 3,311 |
| Net operating income to assets | 1.4315% | 1,033 |
| Return on assets (ROA) | 1.5371% | 886 |
| Pretax return on assets | 1.6053% | 1,313 |
| Return on Equity (ROE) | 13.4824% | 1,019 |
| Retained earnings to average equity (ytd only) | 6.8834% | 1,746 |
| Net charge-offs to loans | 0.0890% | 2,140 |
| Credit loss provision to net charge-offs | 79.4702% | 2,341 |
| Earnings coverage of net charge-offs (x) | 30.4106% | 1,355 |
| Efficiency ratio | 56.0427% | 5,426 |
| Assets per employee ($millions) | 6.0509% | 1,314 |
| Cash dividends to net income (ytd only)* | 48.9450% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 2,851 |
| Loan loss allowance to noncurrent loans | 482.5500% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 4,999 |
| Noncurrent loans to loans | 0.2858% | 4,658 |
| Net loans and leases to total assets | 58.1918% | 4,074 |
| Net loans and leases to deposits | 76.5027% | 3,210 |
| Net loans and leases to core deposits | 81.1221% | 3,270 |
| Total domestic deposits to total assets | 76.0649% | 5,590 |
| Equity capital to assets | 11.5191% | 2,397 |
| Core capital (leverage) ratio | 11.2111% | 2,234 |
| Tier 1 risk-based capital ratio | 15.4179% | 3,152 |
| Total risk-based capital ratio | 16.5337% | 3,147 |
| Memoranda: | ||
| Average total assets | $1,196,286,000 | 591 |
| Average earning assets | $1,132,947,000 | 568 |
| Average equity | $136,385,330 | 556 |
| Average total loans | $678,927,330 | 682 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4879% | 5,007 |
| Cost of funding earning assets | 0.6269% | 1,254 |
| Net interest margin | 2.8610% | 5,530 |
| Noninterest income to average assets | 0.6995% | 2,163 |
| Noninterest expense to average assets | 1.9437% | 5,680 |
| Loan and lease loss provision to assets | 0.0400% | 3,110 |
| Net operating income to assets | 1.3600% | 1,116 |
| Return on assets (ROA) | 1.5202% | 859 |
| Pretax return on assets | 1.5874% | 1,301 |
| Return on Equity (ROE) | 13.4027% | 1,008 |
| Retained earnings to average equity (ytd only) | 6.7982% | 2,099 |
| Net charge-offs to loans | 0.0616% | 2,129 |
| Credit loss provision to net charge-offs | 116.5049% | 1,471 |
| Earnings coverage of net charge-offs (x) | 42.5922% | 940 |
| Efficiency ratio | 57.0954% | 5,432 |
| Assets per employee ($millions) | 6.1133% | 1,320 |
| Cash dividends to net income (ytd only)* | 49.2773% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 2,713 |
| Loan loss allowance to noncurrent loans | 402.8986% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 4,829 |
| Noncurrent loans to loans | 0.3585% | 4,522 |
| Net loans and leases to total assets | 55.4054% | 4,274 |
| Net loans and leases to deposits | 70.7917% | 3,663 |
| Net loans and leases to core deposits | 74.6427% | 3,723 |
| Total domestic deposits to total assets | 78.2655% | 5,402 |
| Equity capital to assets | 11.5352% | 2,435 |
| Core capital (leverage) ratio | 11.1633% | 2,254 |
| Tier 1 risk-based capital ratio | 15.3958% | 3,200 |
| Total risk-based capital ratio | 16.5692% | 3,181 |
| Memoranda: | ||
| Average total assets | $1,201,439,500 | 582 |
| Average earning assets | $1,135,811,500 | 564 |
| Average equity | $136,271,000 | 555 |
| Average total loans | $668,494,500 | 697 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 5,361 |
| Cost of funding earning assets | 0.6845% | 1,183 |
| Net interest margin | 2.7961% | 5,812 |
| Noninterest income to average assets | 0.7099% | 2,257 |
| Noninterest expense to average assets | 2.0634% | 5,652 |
| Loan and lease loss provision to assets | 0.0114% | 4,395 |
| Net operating income to assets | 1.2295% | 1,499 |
| Return on assets (ROA) | 1.2509% | 1,491 |
| Pretax return on assets | 1.3053% | 2,226 |
| Return on Equity (ROE) | 11.3632% | 1,603 |
| Retained earnings to average equity (ytd only) | 4.4475% | 3,012 |
| Net charge-offs to loans | 0.0676% | 3,508 |
| Credit loss provision to net charge-offs | 32.2967% | 3,804 |
| Earnings coverage of net charge-offs (x) | 36.6100% | 1,162 |
| Efficiency ratio | 61.4495% | 4,998 |
| Assets per employee ($millions) | 6.0842% | 1,325 |
| Cash dividends to net income (ytd only)* | 60.8602% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 2,629 |
| Loan loss allowance to noncurrent loans | 282.6011% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 4,623 |
| Noncurrent loans to loans | 0.5181% | 4,116 |
| Net loans and leases to total assets | 54.2616% | 4,553 |
| Net loans and leases to deposits | 70.6943% | 3,814 |
| Net loans and leases to core deposits | 75.0555% | 3,817 |
| Total domestic deposits to total assets | 76.7553% | 5,639 |
| Equity capital to assets | 11.1504% | 2,747 |
| Core capital (leverage) ratio | 10.9414% | 2,456 |
| Tier 1 risk-based capital ratio | 16.6178% | 2,663 |
| Total risk-based capital ratio | 17.8683% | 2,613 |
| Memoranda: | ||
| Average total assets | $1,182,193,000 | 575 |
| Average earning assets | $1,119,559,000 | 552 |
| Average equity | $130,139,200 | 557 |
| Average total loans | $618,636,600 | 707 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4735% | 5,447 |
| Cost of funding earning assets | 0.6918% | 1,189 |
| Net interest margin | 2.7817% | 5,894 |
| Noninterest income to average assets | 0.7221% | 2,216 |
| Noninterest expense to average assets | 2.0432% | 5,695 |
| Loan and lease loss provision to assets | 0.0119% | 4,180 |
| Net operating income to assets | 1.2486% | 1,531 |
| Return on assets (ROA) | 1.3230% | 1,365 |
| Pretax return on assets | 1.3805% | 2,081 |
| Return on Equity (ROE) | 12.0582% | 1,460 |
| Retained earnings to average equity (ytd only) | 5.0867% | 3,033 |
| Net charge-offs to loans | 0.0731% | 3,145 |
| Credit loss provision to net charge-offs | 31.5315% | 3,433 |
| Earnings coverage of net charge-offs (x) | 34.8438% | 1,242 |
| Efficiency ratio | 60.8443% | 5,068 |
| Assets per employee ($millions) | 5.9525% | 1,361 |
| Cash dividends to net income (ytd only)* | 57.8159% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 2,523 |
| Loan loss allowance to noncurrent loans | 245.6489% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 4,585 |
| Noncurrent loans to loans | 0.6286% | 4,040 |
| Net loans and leases to total assets | 52.8339% | 4,717 |
| Net loans and leases to deposits | 67.3220% | 4,205 |
| Net loans and leases to core deposits | 71.3786% | 4,218 |
| Total domestic deposits to total assets | 78.4793% | 5,436 |
| Equity capital to assets | 11.1834% | 2,781 |
| Core capital (leverage) ratio | 11.0133% | 2,472 |
| Tier 1 risk-based capital ratio | 16.9337% | 2,640 |
| Total risk-based capital ratio | 18.1846% | 2,591 |
| Memoranda: | ||
| Average total assets | $1,176,573,750 | 572 |
| Average earning assets | $1,114,933,250 | 548 |
| Average equity | $129,092,500 | 559 |
| Average total loans | $607,449,250 | 723 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5420% | 5,306 |
| Cost of funding earning assets | 0.7337% | 999 |
| Net interest margin | 2.8083% | 5,890 |
| Noninterest income to average assets | 0.7647% | 1,987 |
| Noninterest expense to average assets | 1.9802% | 5,863 |
| Loan and lease loss provision to assets | 0.0116% | 4,013 |
| Net operating income to assets | 1.3722% | 1,128 |
| Return on assets (ROA) | 1.4687% | 969 |
| Pretax return on assets | 1.5337% | 1,447 |
| Return on Equity (ROE) | 13.5682% | 1,041 |
| Retained earnings to average equity (ytd only) | 5.5015% | 2,632 |
| Net charge-offs to loans | 0.0541% | 3,191 |
| Credit loss provision to net charge-offs | 40.0000% | 2,925 |
| Earnings coverage of net charge-offs (x) | 49.6400% | 917 |
| Efficiency ratio | 57.8154% | 5,576 |
| Assets per employee ($millions) | 5.5868% | 1,619 |
| Cash dividends to net income (ytd only)* | 59.4530% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 2,359 |
| Loan loss allowance to noncurrent loans | 490.2800% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 5,376 |
| Noncurrent loans to loans | 0.3323% | 5,020 |
| Net loans and leases to total assets | 53.9306% | 4,551 |
| Net loans and leases to deposits | 71.8398% | 3,590 |
| Net loans and leases to core deposits | 74.6090% | 3,767 |
| Total domestic deposits to total assets | 75.0706% | 6,011 |
| Equity capital to assets | 11.1200% | 2,768 |
| Core capital (leverage) ratio | 10.8693% | 2,560 |
| Tier 1 risk-based capital ratio | 16.9620% | 2,634 |
| Total risk-based capital ratio | 18.2144% | 2,594 |
| Memoranda: | ||
| Average total assets | $1,030,712,670 | 646 |
| Average earning assets | $976,402,000 | 613 |
| Average equity | $111,569,330 | 645 |
| Average total loans | $554,094,000 | 790 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5140% | 5,386 |
| Cost of funding earning assets | 0.7328% | 1,055 |
| Net interest margin | 2.7812% | 5,975 |
| Noninterest income to average assets | 0.7427% | 1,977 |
| Noninterest expense to average assets | 1.9772% | 5,926 |
| Loan and lease loss provision to assets | 0.0117% | 3,678 |
| Net operating income to assets | 1.3307% | 1,143 |
| Return on assets (ROA) | 1.3307% | 1,186 |
| Pretax return on assets | 1.3892% | 1,790 |
| Return on Equity (ROE) | 12.4660% | 1,290 |
| Retained earnings to average equity (ytd only) | 4.2527% | 3,579 |
| Net charge-offs to loans | 0.0095% | 3,432 |
| Credit loss provision to net charge-offs | 230.7692% | 943 |
| Earnings coverage of net charge-offs (x) | 276.5385% | 169 |
| Efficiency ratio | 58.5304% | 5,595 |
| Assets per employee ($millions) | 5.6900% | 1,545 |
| Cash dividends to net income (ytd only)* | 65.8858% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 2,212 |
| Loan loss allowance to noncurrent loans | 523.0084% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 5,467 |
| Noncurrent loans to loans | 0.3333% | 5,114 |
| Net loans and leases to total assets | 51.3800% | 4,741 |
| Net loans and leases to deposits | 65.8009% | 4,121 |
| Net loans and leases to core deposits | 69.0139% | 4,204 |
| Total domestic deposits to total assets | 78.0841% | 5,826 |
| Equity capital to assets | 10.8347% | 2,899 |
| Core capital (leverage) ratio | 10.8327% | 2,560 |
| Tier 1 risk-based capital ratio | 17.1492% | 2,619 |
| Total risk-based capital ratio | 18.4023% | 2,576 |
| Memoranda: | ||
| Average total assets | $1,026,499,500 | 652 |
| Average earning assets | $972,684,000 | 625 |
| Average equity | $109,578,000 | 657 |
| Average total loans | $546,293,500 | 802 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5662% | 5,491 |
| Cost of funding earning assets | 0.8046% | 1,189 |
| Net interest margin | 2.7617% | 6,041 |
| Noninterest income to average assets | 0.9581% | 1,500 |
| Noninterest expense to average assets | 2.0666% | 5,901 |
| Loan and lease loss provision to assets | 0.1082% | 2,993 |
| Net operating income to assets | 1.3429% | 1,150 |
| Return on assets (ROA) | 1.3767% | 1,114 |
| Pretax return on assets | 1.4317% | 1,680 |
| Return on Equity (ROE) | 12.4909% | 1,278 |
| Retained earnings to average equity (ytd only) | 1.1088% | 5,334 |
| Net charge-offs to loans | 0.1147% | 3,669 |
| Credit loss provision to net charge-offs | 179.1531% | 1,280 |
| Earnings coverage of net charge-offs (x) | 24.9088% | 1,347 |
| Efficiency ratio | 57.8654% | 5,755 |
| Assets per employee ($millions) | 5.5907% | 1,574 |
| Cash dividends to net income (ytd only)* | 91.1235% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 2,427 |
| Loan loss allowance to noncurrent loans | 491.4001% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 5,508 |
| Noncurrent loans to loans | 0.3442% | 5,151 |
| Net loans and leases to total assets | 53.2368% | 4,690 |
| Net loans and leases to deposits | 69.7225% | 3,818 |
| Net loans and leases to core deposits | 73.0041% | 3,946 |
| Total domestic deposits to total assets | 76.3553% | 6,062 |
| Equity capital to assets | 10.5141% | 3,138 |
| Core capital (leverage) ratio | 10.7054% | 2,673 |
| Tier 1 risk-based capital ratio | 16.9053% | 2,655 |
| Total risk-based capital ratio | 18.1583% | 2,614 |
| Memoranda: | ||
| Average total assets | $1,016,365,600 | 648 |
| Average earning assets | $961,740,400 | 620 |
| Average equity | $112,017,600 | 628 |
| Average total loans | $535,494,400 | 787 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 5,533 |
| Cost of funding earning assets | 0.8126% | 1,263 |
| Net interest margin | 2.7541% | 6,087 |
| Noninterest income to average assets | 0.9226% | 1,682 |
| Noninterest expense to average assets | 2.0736% | 5,884 |
| Loan and lease loss provision to assets | 0.0591% | 3,865 |
| Net operating income to assets | 1.3416% | 1,239 |
| Return on assets (ROA) | 1.3869% | 1,178 |
| Pretax return on assets | 1.4424% | 1,787 |
| Return on Equity (ROE) | 12.4397% | 1,364 |
| Retained earnings to average equity (ytd only) | -1.7030% | 6,229 |
| Net charge-offs to loans | 0.1143% | 3,404 |
| Credit loss provision to net charge-offs | 98.9011% | 2,411 |
| Earnings coverage of net charge-offs (x) | 24.3253% | 1,427 |
| Efficiency ratio | 58.7769% | 5,589 |
| Assets per employee ($millions) | 5.6958% | 1,451 |
| Cash dividends to net income (ytd only)* | 113.6902% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 2,745 |
| Loan loss allowance to noncurrent loans | 429.8161% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 5,534 |
| Noncurrent loans to loans | 0.3876% | 5,227 |
| Net loans and leases to total assets | 51.6932% | 4,912 |
| Net loans and leases to deposits | 66.7022% | 4,218 |
| Net loans and leases to core deposits | 69.4486% | 4,377 |
| Total domestic deposits to total assets | 77.4985% | 5,976 |
| Equity capital to assets | 10.5015% | 3,274 |
| Core capital (leverage) ratio | 10.6563% | 2,833 |
| Tier 1 risk-based capital ratio | 16.5249% | 2,923 |
| Total risk-based capital ratio | 17.7770% | 2,891 |
| Memoranda: | ||
| Average total assets | $1,014,681,250 | 653 |
| Average earning assets | $959,905,000 | 623 |
| Average equity | $113,129,500 | 630 |
| Average total loans | $530,858,500 | 793 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 5,529 |
| Cost of funding earning assets | 0.8182% | 1,318 |
| Net interest margin | 2.7509% | 6,094 |
| Noninterest income to average assets | 0.8818% | 1,882 |
| Noninterest expense to average assets | 2.0655% | 5,930 |
| Loan and lease loss provision to assets | 0.0591% | 3,823 |
| Net operating income to assets | 1.3094% | 1,304 |
| Return on assets (ROA) | 1.4830% | 999 |
| Pretax return on assets | 1.5431% | 1,502 |
| Return on Equity (ROE) | 13.0490% | 1,236 |
| Retained earnings to average equity (ytd only) | -7.7573% | 6,602 |
| Net charge-offs to loans | 0.0630% | 3,804 |
| Credit loss provision to net charge-offs | 179.6407% | 1,330 |
| Earnings coverage of net charge-offs (x) | 43.1916% | 877 |
| Efficiency ratio | 59.2371% | 5,575 |
| Assets per employee ($millions) | 5.2817% | 1,813 |
| Cash dividends to net income (ytd only)* | 159.4472% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 2,569 |
| Loan loss allowance to noncurrent loans | 404.8930% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 5,435 |
| Noncurrent loans to loans | 0.4345% | 5,176 |
| Net loans and leases to total assets | 52.4019% | 4,803 |
| Net loans and leases to deposits | 68.5710% | 3,925 |
| Net loans and leases to core deposits | 72.0034% | 4,037 |
| Total domestic deposits to total assets | 76.4199% | 6,206 |
| Equity capital to assets | 10.6630% | 3,103 |
| Core capital (leverage) ratio | 10.3855% | 3,002 |
| Tier 1 risk-based capital ratio | 16.2916% | 3,043 |
| Total risk-based capital ratio | 17.5443% | 2,993 |
| Memoranda: | ||
| Average total assets | $1,014,959,330 | 652 |
| Average earning assets | $961,145,330 | 626 |
| Average equity | $115,349,670 | 623 |
| Average total loans | $530,154,670 | 786 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5470% | 5,587 |
| Cost of funding earning assets | 0.8169% | 1,434 |
| Net interest margin | 2.7301% | 6,166 |
| Noninterest income to average assets | 0.8392% | 1,965 |
| Noninterest expense to average assets | 2.0793% | 5,957 |
| Loan and lease loss provision to assets | 0.0583% | 3,659 |
| Net operating income to assets | 1.2323% | 1,428 |
| Return on assets (ROA) | 1.3801% | 1,159 |
| Pretax return on assets | 1.4354% | 1,756 |
| Return on Equity (ROE) | 11.7940% | 1,475 |
| Retained earnings to average equity (ytd only) | 11.7940% | 730 |
| Net charge-offs to loans | 0.0444% | 3,410 |
| Credit loss provision to net charge-offs | 254.2373% | 914 |
| Earnings coverage of net charge-offs (x) | 58.3898% | 607 |
| Efficiency ratio | 60.8167% | 5,475 |
| Assets per employee ($millions) | 5.6308% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 2,827 |
| Loan loss allowance to noncurrent loans | 405.8953% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 5,440 |
| Noncurrent loans to loans | 0.4295% | 5,346 |
| Net loans and leases to total assets | 50.7425% | 4,888 |
| Net loans and leases to deposits | 66.7595% | 3,945 |
| Net loans and leases to core deposits | 69.4983% | 4,137 |
| Total domestic deposits to total assets | 76.0080% | 6,365 |
| Equity capital to assets | 11.8331% | 2,151 |
| Core capital (leverage) ratio | 10.9828% | 2,278 |
| Tier 1 risk-based capital ratio | 17.3497% | 2,626 |
| Total risk-based capital ratio | 18.6020% | 2,588 |
| Memoranda: | ||
| Average total assets | $1,028,599,000 | 648 |
| Average earning assets | $971,970,500 | 626 |
| Average equity | $120,366,500 | 611 |
| Average total loans | $531,816,500 | 787 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 5,284 |
| Cost of funding earning assets | 0.9386% | 1,716 |
| Net interest margin | 3.0659% | 5,895 |
| Noninterest income to average assets | 0.8212% | 2,175 |
| Noninterest expense to average assets | 2.0075% | 6,308 |
| Loan and lease loss provision to assets | 0.0885% | 4,586 |
| Net operating income to assets | 1.5403% | 846 |
| Return on assets (ROA) | 1.5773% | 868 |
| Pretax return on assets | 1.6514% | 1,260 |
| Return on Equity (ROE) | 13.5347% | 1,099 |
| Retained earnings to average equity (ytd only) | 0.0354% | 5,814 |
| Net charge-offs to loans | 0.0835% | 4,843 |
| Credit loss provision to net charge-offs | 207.8522% | 1,227 |
| Earnings coverage of net charge-offs (x) | 39.9630% | 804 |
| Efficiency ratio | 54.1276% | 6,254 |
| Assets per employee ($millions) | 5.6415% | 1,571 |
| Cash dividends to net income (ytd only)* | 99.7382% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 2,897 |
| Loan loss allowance to noncurrent loans | 273.3393% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 5,219 |
| Noncurrent loans to loans | 0.6254% | 4,957 |
| Net loans and leases to total assets | 50.8779% | 5,054 |
| Net loans and leases to deposits | 67.3185% | 4,081 |
| Net loans and leases to core deposits | 70.5815% | 4,221 |
| Total domestic deposits to total assets | 75.5780% | 6,402 |
| Equity capital to assets | 11.5719% | 2,373 |
| Core capital (leverage) ratio | 10.6287% | 2,625 |
| Tier 1 risk-based capital ratio | 16.9186% | 2,693 |
| Total risk-based capital ratio | 18.1710% | 2,650 |
| Memoranda: | ||
| Average total assets | $1,017,063,200 | 656 |
| Average earning assets | $957,957,000 | 622 |
| Average equity | $118,525,200 | 608 |
| Average total loans | $518,422,600 | 799 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 5,180 |
| Cost of funding earning assets | 0.9556% | 1,822 |
| Net interest margin | 3.1461% | 5,831 |
| Noninterest income to average assets | 0.7941% | 2,268 |
| Noninterest expense to average assets | 1.9676% | 6,407 |
| Loan and lease loss provision to assets | 0.0888% | 4,497 |
| Net operating income to assets | 1.6261% | 799 |
| Return on assets (ROA) | 1.6610% | 828 |
| Pretax return on assets | 1.7392% | 1,186 |
| Return on Equity (ROE) | 14.2280% | 1,063 |
| Retained earnings to average equity (ytd only) | -1.8339% | 6,377 |
| Net charge-offs to loans | 0.1047% | 4,346 |
| Credit loss provision to net charge-offs | 167.0792% | 1,662 |
| Earnings coverage of net charge-offs (x) | 33.7007% | 996 |
| Efficiency ratio | 52.3418% | 6,425 |
| Assets per employee ($millions) | 5.5069% | 1,629 |
| Cash dividends to net income (ytd only)* | 112.8892% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 2,874 |
| Loan loss allowance to noncurrent loans | 261.7570% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 5,288 |
| Noncurrent loans to loans | 0.6785% | 5,086 |
| Net loans and leases to total assets | 49.3225% | 5,398 |
| Net loans and leases to deposits | 65.1646% | 4,572 |
| Net loans and leases to core deposits | 68.8580% | 4,633 |
| Total domestic deposits to total assets | 75.6891% | 6,430 |
| Equity capital to assets | 11.8362% | 2,405 |
| Core capital (leverage) ratio | 10.8084% | 2,585 |
| Tier 1 risk-based capital ratio | 17.6861% | 2,466 |
| Total risk-based capital ratio | 18.9391% | 2,434 |
| Memoranda: | ||
| Average total assets | $1,013,231,250 | 661 |
| Average earning assets | $954,921,500 | 627 |
| Average equity | $118,289,750 | 609 |
| Average total loans | $514,429,750 | 814 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 5,090 |
| Cost of funding earning assets | 0.9654% | 1,963 |
| Net interest margin | 3.1930% | 5,764 |
| Noninterest income to average assets | 0.7631% | 2,360 |
| Noninterest expense to average assets | 1.9656% | 6,497 |
| Loan and lease loss provision to assets | 0.0885% | 4,470 |
| Net operating income to assets | 1.6431% | 768 |
| Return on assets (ROA) | 1.6431% | 856 |
| Pretax return on assets | 1.7196% | 1,210 |
| Return on Equity (ROE) | 14.1382% | 1,082 |
| Retained earnings to average equity (ytd only) | -8.7090% | 6,795 |
| Net charge-offs to loans | 0.1339% | 3,857 |
| Credit loss provision to net charge-offs | 129.6830% | 2,120 |
| Earnings coverage of net charge-offs (x) | 26.4928% | 1,163 |
| Efficiency ratio | 52.0874% | 6,500 |
| Assets per employee ($millions) | 5.2988% | 1,819 |
| Cash dividends to net income (ytd only)* | 161.5992% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 3,131 |
| Loan loss allowance to noncurrent loans | 374.5090% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 5,373 |
| Noncurrent loans to loans | 0.4602% | 5,613 |
| Net loans and leases to total assets | 50.2087% | 5,330 |
| Net loans and leases to deposits | 66.1554% | 4,489 |
| Net loans and leases to core deposits | 69.9598% | 4,535 |
| Total domestic deposits to total assets | 75.8952% | 6,480 |
| Equity capital to assets | 11.4816% | 2,614 |
| Core capital (leverage) ratio | 10.2351% | 3,105 |
| Tier 1 risk-based capital ratio | 16.7700% | 2,777 |
| Total risk-based capital ratio | 18.0224% | 2,729 |
| Memoranda: | ||
| Average total assets | $1,016,887,330 | 655 |
| Average earning assets | $958,771,330 | 623 |
| Average equity | $118,176,330 | 607 |
| Average total loans | $518,146,330 | 802 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 5,166 |
| Cost of funding earning assets | 0.9610% | 2,227 |
| Net interest margin | 3.2226% | 5,726 |
| Noninterest income to average assets | 0.7414% | 2,442 |
| Noninterest expense to average assets | 1.9135% | 6,621 |
| Loan and lease loss provision to assets | 0.0876% | 4,278 |
| Net operating income to assets | 1.6954% | 726 |
| Return on assets (ROA) | 1.6954% | 806 |
| Pretax return on assets | 1.7737% | 1,137 |
| Return on Equity (ROE) | 14.5041% | 1,077 |
| Retained earnings to average equity (ytd only) | 9.5073% | 1,410 |
| Net charge-offs to loans | 0.0750% | 3,752 |
| Credit loss provision to net charge-offs | 229.5918% | 1,221 |
| Earnings coverage of net charge-offs (x) | 48.7755% | 647 |
| Efficiency ratio | 50.6911% | 6,627 |
| Assets per employee ($millions) | 5.7356% | 1,490 |
| Cash dividends to net income (ytd only)* | 34.4511% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7059% | 3,326 |
| Loan loss allowance to noncurrent loans | 317.1655% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 5,668 |
| Noncurrent loans to loans | 0.5379% | 5,588 |
| Net loans and leases to total assets | 49.0858% | 5,420 |
| Net loans and leases to deposits | 64.3415% | 4,587 |
| Net loans and leases to core deposits | 68.3866% | 4,641 |
| Total domestic deposits to total assets | 76.2896% | 6,511 |
| Equity capital to assets | 11.6835% | 2,274 |
| Core capital (leverage) ratio | 11.1497% | 2,149 |
| Tier 1 risk-based capital ratio | 17.6814% | 2,414 |
| Total risk-based capital ratio | 18.9334% | 2,384 |
| Memoranda: | ||
| Average total assets | $1,027,246,500 | 650 |
| Average earning assets | $966,906,500 | 614 |
| Average equity | $120,076,500 | 594 |
| Average total loans | $522,752,000 | 796 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 4,544 |
| Cost of funding earning assets | 1.2133% | 1,942 |
| Net interest margin | 3.4176% | 5,436 |
| Noninterest income to average assets | 0.6440% | 2,926 |
| Noninterest expense to average assets | 1.8993% | 6,834 |
| Loan and lease loss provision to assets | 0.1223% | 5,074 |
| Net operating income to assets | 1.7347% | 520 |
| Return on assets (ROA) | 1.7347% | 556 |
| Pretax return on assets | 1.8275% | 762 |
| Return on Equity (ROE) | 15.1326% | 727 |
| Retained earnings to average equity (ytd only) | 4.4614% | 2,996 |
| Net charge-offs to loans | 0.0188% | 6,180 |
| Credit loss provision to net charge-offs | 1,224.4898% | 171 |
| Earnings coverage of net charge-offs (x) | 195.1735% | 176 |
| Efficiency ratio | 49.3445% | 6,872 |
| Assets per employee ($millions) | 5.6468% | 1,484 |
| Cash dividends to net income (ytd only)* | 70.5177% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 3,440 |
| Loan loss allowance to noncurrent loans | 276.4031% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 5,715 |
| Noncurrent loans to loans | 0.5918% | 5,529 |
| Net loans and leases to total assets | 51.0011% | 5,464 |
| Net loans and leases to deposits | 70.0289% | 4,096 |
| Net loans and leases to core deposits | 74.3381% | 4,195 |
| Total domestic deposits to total assets | 72.8287% | 6,823 |
| Equity capital to assets | 11.6949% | 2,343 |
| Core capital (leverage) ratio | 11.0036% | 2,268 |
| Tier 1 risk-based capital ratio | 17.0474% | 2,580 |
| Total risk-based capital ratio | 18.2991% | 2,529 |
| Memoranda: | ||
| Average total assets | $980,984,400 | 668 |
| Average earning assets | $919,974,600 | 648 |
| Average equity | $112,452,600 | 616 |
| Average total loans | $522,256,400 | 796 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 4,470 |
| Cost of funding earning assets | 1.1970% | 2,333 |
| Net interest margin | 3.5030% | 5,177 |
| Noninterest income to average assets | 0.6294% | 2,994 |
| Noninterest expense to average assets | 1.8808% | 6,872 |
| Loan and lease loss provision to assets | 0.1236% | 4,889 |
| Net operating income to assets | 1.8150% | 507 |
| Return on assets (ROA) | 1.8150% | 547 |
| Pretax return on assets | 1.9118% | 758 |
| Return on Equity (ROE) | 15.9177% | 695 |
| Retained earnings to average equity (ytd only) | 1.4624% | 5,410 |
| Net charge-offs to loans | -0.0038% | 6,698 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0254% | 6,960 |
| Assets per employee ($millions) | 5.5244% | 1,576 |
| Cash dividends to net income (ytd only)* | 90.8128% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 3,659 |
| Loan loss allowance to noncurrent loans | 253.3911% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 5,649 |
| Noncurrent loans to loans | 0.6319% | 5,624 |
| Net loans and leases to total assets | 52.4149% | 5,396 |
| Net loans and leases to deposits | 70.3767% | 4,240 |
| Net loans and leases to core deposits | 74.3897% | 4,394 |
| Total domestic deposits to total assets | 74.4777% | 6,706 |
| Equity capital to assets | 11.7645% | 2,442 |
| Core capital (leverage) ratio | 10.6076% | 2,751 |
| Tier 1 risk-based capital ratio | 16.6631% | 2,776 |
| Total risk-based capital ratio | 17.9145% | 2,746 |
| Memoranda: | ||
| Average total assets | $970,710,750 | 682 |
| Average earning assets | $910,804,750 | 662 |
| Average equity | $110,683,000 | 630 |
| Average total loans | $520,335,500 | 812 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7336% | 4,377 |
| Cost of funding earning assets | 1.2093% | 2,513 |
| Net interest margin | 3.5243% | 5,050 |
| Noninterest income to average assets | 0.6481% | 2,856 |
| Noninterest expense to average assets | 1.8799% | 6,974 |
| Loan and lease loss provision to assets | 0.1246% | 4,731 |
| Net operating income to assets | 1.8508% | 445 |
| Return on assets (ROA) | 1.8508% | 472 |
| Pretax return on assets | 1.9489% | 646 |
| Return on Equity (ROE) | 16.4115% | 619 |
| Retained earnings to average equity (ytd only) | -5.6915% | 6,629 |
| Net charge-offs to loans | -0.0035% | 6,555 |
| Credit loss provision to net charge-offs | -6,666.6667% | 6,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5515% | 7,084 |
| Assets per employee ($millions) | 5.2478% | 1,822 |
| Cash dividends to net income (ytd only)* | 134.6801% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 3,780 |
| Loan loss allowance to noncurrent loans | 370.2446% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.6842% | 5,538 |
| Noncurrent loans to loans | 0.4267% | 6,048 |
| Net loans and leases to total assets | 51.6160% | 5,617 |
| Net loans and leases to deposits | 68.7373% | 4,600 |
| Net loans and leases to core deposits | 72.9006% | 4,724 |
| Total domestic deposits to total assets | 75.0916% | 6,715 |
| Equity capital to assets | 11.0676% | 2,889 |
| Core capital (leverage) ratio | 10.3647% | 2,864 |
| Tier 1 risk-based capital ratio | 16.2039% | 2,878 |
| Total risk-based capital ratio | 17.4549% | 2,847 |
| Memoranda: | ||
| Average total assets | $962,817,670 | 696 |
| Average earning assets | $902,989,670 | 673 |
| Average equity | $108,582,330 | 644 |
| Average total loans | $517,217,330 | 829 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 4,389 |
| Cost of funding earning assets | 1.2151% | 2,718 |
| Net interest margin | 3.5107% | 4,956 |
| Noninterest income to average assets | 0.6390% | 2,907 |
| Noninterest expense to average assets | 1.8916% | 7,001 |
| Loan and lease loss provision to assets | 0.1262% | 4,420 |
| Net operating income to assets | 1.8357% | 461 |
| Return on assets (ROA) | 1.8357% | 485 |
| Pretax return on assets | 1.9328% | 631 |
| Return on Equity (ROE) | 16.1215% | 663 |
| Retained earnings to average equity (ytd only) | 5.0389% | 3,168 |
| Net charge-offs to loans | -0.0217% | 6,591 |
| Credit loss provision to net charge-offs | -1,071.4286% | 6,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8812% | 7,121 |
| Assets per employee ($millions) | 5.3050% | 1,763 |
| Cash dividends to net income (ytd only)* | 68.7443% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 4,082 |
| Loan loss allowance to noncurrent loans | 406.9072% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 5,583 |
| Noncurrent loans to loans | 0.3749% | 6,250 |
| Net loans and leases to total assets | 52.4905% | 5,515 |
| Net loans and leases to deposits | 69.8346% | 4,366 |
| Net loans and leases to core deposits | 74.0958% | 4,530 |
| Total domestic deposits to total assets | 75.1641% | 6,767 |
| Equity capital to assets | 11.2197% | 2,492 |
| Core capital (leverage) ratio | 10.9243% | 2,243 |
| Tier 1 risk-based capital ratio | 17.4463% | 2,316 |
| Total risk-based capital ratio | 18.6973% | 2,283 |
| Memoranda: | ||
| Average total assets | $950,932,500 | 709 |
| Average earning assets | $897,022,500 | 675 |
| Average equity | $108,277,500 | 639 |
| Average total loans | $517,120,000 | 842 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0678% | 4,247 |
| Cost of funding earning assets | 1.4033% | 3,250 |
| Net interest margin | 3.6646% | 4,514 |
| Noninterest income to average assets | 0.6948% | 2,869 |
| Noninterest expense to average assets | 2.0620% | 6,924 |
| Loan and lease loss provision to assets | 0.2154% | 5,103 |
| Net operating income to assets | 1.7868% | 428 |
| Return on assets (ROA) | 1.8794% | 376 |
| Pretax return on assets | 1.9803% | 503 |
| Return on Equity (ROE) | 16.1408% | 568 |
| Retained earnings to average equity (ytd only) | 2.5413% | 4,093 |
| Net charge-offs to loans | 0.1605% | 5,380 |
| Credit loss provision to net charge-offs | 240.0960% | 1,201 |
| Earnings coverage of net charge-offs (x) | 23.3842% | 901 |
| Efficiency ratio | 49.5637% | 7,157 |
| Assets per employee ($millions) | 5.1157% | 1,991 |
| Cash dividends to net income (ytd only)* | 84.2552% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,217 |
| Loan loss allowance to noncurrent loans | 365.5072% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 5,542 |
| Noncurrent loans to loans | 0.4006% | 6,247 |
| Net loans and leases to total assets | 54.6903% | 5,542 |
| Net loans and leases to deposits | 73.7995% | 4,229 |
| Net loans and leases to core deposits | 79.1523% | 4,325 |
| Total domestic deposits to total assets | 74.1066% | 6,881 |
| Equity capital to assets | 11.5603% | 2,211 |
| Core capital (leverage) ratio | 10.7155% | 2,371 |
| Tier 1 risk-based capital ratio | 17.2447% | 2,247 |
| Total risk-based capital ratio | 18.4952% | 2,218 |
| Memoranda: | ||
| Average total assets | $928,324,200 | 728 |
| Average earning assets | $877,887,800 | 690 |
| Average equity | $108,092,600 | 623 |
| Average total loans | $518,844,600 | 868 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 4,313 |
| Cost of funding earning assets | 1.4154% | 3,490 |
| Net interest margin | 3.6851% | 4,485 |
| Noninterest income to average assets | 0.6491% | 3,133 |
| Noninterest expense to average assets | 1.9529% | 7,130 |
| Loan and lease loss provision to assets | 0.2120% | 4,947 |
| Net operating income to assets | 1.8691% | 436 |
| Return on assets (ROA) | 1.9195% | 429 |
| Pretax return on assets | 2.0226% | 592 |
| Return on Equity (ROE) | 16.4556% | 657 |
| Retained earnings to average equity (ytd only) | 1.0535% | 5,397 |
| Net charge-offs to loans | 0.1504% | 5,103 |
| Credit loss provision to net charge-offs | 251.7065% | 1,320 |
| Earnings coverage of net charge-offs (x) | 25.9012% | 981 |
| Efficiency ratio | 47.2345% | 7,312 |
| Assets per employee ($millions) | 5.2456% | 1,876 |
| Cash dividends to net income (ytd only)* | 93.5979% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 4,459 |
| Loan loss allowance to noncurrent loans | 315.3613% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.7806% | 5,543 |
| Noncurrent loans to loans | 0.4439% | 6,306 |
| Net loans and leases to total assets | 54.3706% | 5,791 |
| Net loans and leases to deposits | 73.7733% | 4,554 |
| Net loans and leases to core deposits | 79.5568% | 4,579 |
| Total domestic deposits to total assets | 73.6996% | 6,959 |
| Equity capital to assets | 11.8029% | 2,281 |
| Core capital (leverage) ratio | 10.7266% | 2,491 |
| Tier 1 risk-based capital ratio | 16.7898% | 2,414 |
| Total risk-based capital ratio | 18.0177% | 2,392 |
| Memoranda: | ||
| Average total assets | $927,641,750 | 726 |
| Average earning assets | $877,350,750 | 690 |
| Average equity | $108,207,500 | 611 |
| Average total loans | $519,365,250 | 874 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1384% | 4,258 |
| Cost of funding earning assets | 1.4346% | 3,644 |
| Net interest margin | 3.7038% | 4,347 |
| Noninterest income to average assets | 0.6223% | 3,175 |
| Noninterest expense to average assets | 1.9631% | 7,165 |
| Loan and lease loss provision to assets | 0.2169% | 4,717 |
| Net operating income to assets | 1.8491% | 447 |
| Return on assets (ROA) | 1.9251% | 418 |
| Pretax return on assets | 2.0282% | 573 |
| Return on Equity (ROE) | 16.5707% | 621 |
| Retained earnings to average equity (ytd only) | 1.1687% | 5,283 |
| Net charge-offs to loans | 0.1892% | 4,474 |
| Credit loss provision to net charge-offs | 203.6660% | 1,912 |
| Earnings coverage of net charge-offs (x) | 20.3299% | 1,220 |
| Efficiency ratio | 47.5542% | 7,367 |
| Assets per employee ($millions) | 5.0631% | 2,104 |
| Cash dividends to net income (ytd only)* | 92.9473% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 4,853 |
| Loan loss allowance to noncurrent loans | 300.6092% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 5,489 |
| Noncurrent loans to loans | 0.4359% | 6,370 |
| Net loans and leases to total assets | 57.0908% | 5,551 |
| Net loans and leases to deposits | 78.4077% | 3,900 |
| Net loans and leases to core deposits | 82.9465% | 4,287 |
| Total domestic deposits to total assets | 72.8127% | 7,115 |
| Equity capital to assets | 12.0149% | 2,087 |
| Core capital (leverage) ratio | 10.8313% | 2,377 |
| Tier 1 risk-based capital ratio | 17.1232% | 2,228 |
| Total risk-based capital ratio | 18.3140% | 2,211 |
| Memoranda: | ||
| Average total assets | $922,120,670 | 726 |
| Average earning assets | $872,844,670 | 690 |
| Average equity | $107,128,670 | 612 |
| Average total loans | $518,934,330 | 879 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0538% | 4,771 |
| Cost of funding earning assets | 1.4435% | 3,916 |
| Net interest margin | 3.6103% | 4,684 |
| Noninterest income to average assets | 0.6008% | 3,273 |
| Noninterest expense to average assets | 1.9092% | 7,316 |
| Loan and lease loss provision to assets | 0.1941% | 4,557 |
| Net operating income to assets | 1.8167% | 477 |
| Return on assets (ROA) | 1.9679% | 398 |
| Pretax return on assets | 2.0727% | 532 |
| Return on Equity (ROE) | 17.2281% | 586 |
| Retained earnings to average equity (ytd only) | 4.9574% | 3,182 |
| Net charge-offs to loans | 0.0622% | 4,793 |
| Credit loss provision to net charge-offs | 562.5000% | 767 |
| Earnings coverage of net charge-offs (x) | 61.0875% | 504 |
| Efficiency ratio | 47.5306% | 7,473 |
| Assets per employee ($millions) | 5.2082% | 1,957 |
| Cash dividends to net income (ytd only)* | 71.2251% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 4,958 |
| Loan loss allowance to noncurrent loans | 159.3081% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 5,485 |
| Noncurrent loans to loans | 0.8133% | 5,685 |
| Net loans and leases to total assets | 55.0091% | 5,891 |
| Net loans and leases to deposits | 74.7404% | 4,638 |
| Net loans and leases to core deposits | 78.9068% | 4,908 |
| Total domestic deposits to total assets | 73.6003% | 7,096 |
| Equity capital to assets | 11.4428% | 2,408 |
| Core capital (leverage) ratio | 11.0378% | 2,208 |
| Tier 1 risk-based capital ratio | 17.1286% | 2,229 |
| Total risk-based capital ratio | 18.2888% | 2,205 |
| Memoranda: | ||
| Average total assets | $927,501,500 | 735 |
| Average earning assets | $877,591,000 | 700 |
| Average equity | $105,943,500 | 625 |
| Average total loans | $514,796,500 | 909 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3964% | 4,715 |
| Cost of funding earning assets | 1.8915% | 3,506 |
| Net interest margin | 3.5049% | 4,936 |
| Noninterest income to average assets | 0.7396% | 2,739 |
| Noninterest expense to average assets | 2.2442% | 6,883 |
| Loan and lease loss provision to assets | 0.2800% | 5,182 |
| Net operating income to assets | 1.4495% | 765 |
| Return on assets (ROA) | 1.4847% | 756 |
| Pretax return on assets | 1.5645% | 1,042 |
| Return on Equity (ROE) | 12.9901% | 960 |
| Retained earnings to average equity (ytd only) | 4.6594% | 1,996 |
| Net charge-offs to loans | 0.0881% | 6,239 |
| Credit loss provision to net charge-offs | 561.7978% | 535 |
| Earnings coverage of net charge-offs (x) | 36.2584% | 653 |
| Efficiency ratio | 55.3900% | 7,083 |
| Assets per employee ($millions) | 5.2133% | 1,937 |
| Cash dividends to net income (ytd only)* | 64.1316% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 4,980 |
| Loan loss allowance to noncurrent loans | 155.6556% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 5,415 |
| Noncurrent loans to loans | 0.8106% | 5,664 |
| Net loans and leases to total assets | 54.5736% | 6,136 |
| Net loans and leases to deposits | 76.9280% | 4,584 |
| Net loans and leases to core deposits | 91.0958% | 5,002 |
| Total domestic deposits to total assets | 70.9412% | 7,346 |
| Equity capital to assets | 11.4016% | 2,391 |
| Core capital (leverage) ratio | 10.8041% | 2,345 |
| Tier 1 risk-based capital ratio | 16.9971% | 2,148 |
| Total risk-based capital ratio | 18.1010% | 2,160 |
| Memoranda: | ||
| Average total assets | $892,703,600 | 757 |
| Average earning assets | $843,582,200 | 723 |
| Average equity | $102,031,200 | 640 |
| Average total loans | $505,289,200 | 943 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4408% | 4,736 |
| Cost of funding earning assets | 1.9735% | 3,498 |
| Net interest margin | 3.4673% | 5,004 |
| Noninterest income to average assets | 0.7433% | 2,744 |
| Noninterest expense to average assets | 2.1590% | 7,084 |
| Loan and lease loss provision to assets | 0.2707% | 4,800 |
| Net operating income to assets | 1.5097% | 794 |
| Return on assets (ROA) | 1.5175% | 837 |
| Pretax return on assets | 1.5992% | 1,179 |
| Return on Equity (ROE) | 13.2692% | 1,053 |
| Retained earnings to average equity (ytd only) | 5.3787% | 2,267 |
| Net charge-offs to loans | 0.1043% | 5,630 |
| Credit loss provision to net charge-offs | 455.6962% | 861 |
| Earnings coverage of net charge-offs (x) | 31.3369% | 905 |
| Efficiency ratio | 53.6977% | 7,268 |
| Assets per employee ($millions) | 5.3468% | 1,748 |
| Cash dividends to net income (ytd only)* | 59.4648% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,381 |
| Loan loss allowance to noncurrent loans | 150.1829% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 5,135 |
| Noncurrent loans to loans | 0.7697% | 5,763 |
| Net loans and leases to total assets | 53.1427% | 6,476 |
| Net loans and leases to deposits | 72.5854% | 5,573 |
| Net loans and leases to core deposits | 86.4489% | 5,823 |
| Total domestic deposits to total assets | 73.2140% | 7,062 |
| Equity capital to assets | 11.4683% | 2,620 |
| Core capital (leverage) ratio | 10.8505% | 2,527 |
| Tier 1 risk-based capital ratio | 16.9523% | 2,289 |
| Total risk-based capital ratio | 17.9485% | 2,310 |
| Memoranda: | ||
| Average total assets | $886,495,750 | 768 |
| Average earning assets | $837,946,250 | 741 |
| Average equity | $101,385,500 | 653 |
| Average total loans | $504,828,750 | 962 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5311% | 4,438 |
| Cost of funding earning assets | 2.0280% | 3,640 |
| Net interest margin | 3.5031% | 4,787 |
| Noninterest income to average assets | 0.7964% | 2,430 |
| Noninterest expense to average assets | 2.2437% | 6,937 |
| Loan and lease loss provision to assets | 0.2747% | 4,384 |
| Net operating income to assets | 1.5063% | 826 |
| Return on assets (ROA) | 1.4981% | 900 |
| Pretax return on assets | 1.5814% | 1,245 |
| Return on Equity (ROE) | 13.1116% | 1,159 |
| Retained earnings to average equity (ytd only) | 5.0972% | 2,456 |
| Net charge-offs to loans | 0.0871% | 5,332 |
| Credit loss provision to net charge-offs | 542.9864% | 857 |
| Earnings coverage of net charge-offs (x) | 36.8597% | 860 |
| Efficiency ratio | 54.6108% | 7,268 |
| Assets per employee ($millions) | 5.0272% | 2,043 |
| Cash dividends to net income (ytd only)* | 61.1247% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,896 |
| Loan loss allowance to noncurrent loans | 134.5551% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 4,841 |
| Noncurrent loans to loans | 0.7819% | 5,668 |
| Net loans and leases to total assets | 57.2277% | 6,065 |
| Net loans and leases to deposits | 76.8684% | 5,044 |
| Net loans and leases to core deposits | 94.2981% | 5,084 |
| Total domestic deposits to total assets | 74.4489% | 6,877 |
| Equity capital to assets | 11.4441% | 2,575 |
| Core capital (leverage) ratio | 10.7895% | 2,574 |
| Tier 1 risk-based capital ratio | 16.8368% | 2,352 |
| Total risk-based capital ratio | 17.7682% | 2,386 |
| Memoranda: | ||
| Average total assets | $873,663,330 | 805 |
| Average earning assets | $826,022,670 | 767 |
| Average equity | $99,820,330 | 675 |
| Average total loans | $507,333,330 | 983 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5129% | 4,840 |
| Cost of funding earning assets | 2.0387% | 3,930 |
| Net interest margin | 3.4741% | 4,834 |
| Noninterest income to average assets | 0.7715% | 2,477 |
| Noninterest expense to average assets | 2.1564% | 6,989 |
| Loan and lease loss provision to assets | 0.2749% | 3,765 |
| Net operating income to assets | 1.5480% | 856 |
| Return on assets (ROA) | 1.5480% | 932 |
| Pretax return on assets | 1.6300% | 1,333 |
| Return on Equity (ROE) | 13.5597% | 1,255 |
| Retained earnings to average equity (ytd only) | 13.5597% | 560 |
| Net charge-offs to loans | 0.1512% | 3,750 |
| Credit loss provision to net charge-offs | 312.5000% | 1,563 |
| Earnings coverage of net charge-offs (x) | 21.6563% | 1,332 |
| Efficiency ratio | 53.0964% | 7,309 |
| Assets per employee ($millions) | 5.1253% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 6,569 |
| Loan loss allowance to noncurrent loans | 32.0367% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 1.6735% | 3,415 |
| Noncurrent loans to loans | 2.9245% | 2,236 |
| Net loans and leases to total assets | 56.3401% | 6,191 |
| Net loans and leases to deposits | 76.6829% | 5,126 |
| Net loans and leases to core deposits | 95.0945% | 5,052 |
| Total domestic deposits to total assets | 73.4715% | 6,972 |
| Equity capital to assets | 11.4102% | 2,653 |
| Core capital (leverage) ratio | 11.0930% | 2,435 |
| Tier 1 risk-based capital ratio | 16.9417% | 2,360 |
| Total risk-based capital ratio | 17.7718% | 2,444 |
| Memoranda: | ||
| Average total assets | $873,125,500 | 807 |
| Average earning assets | $826,794,500 | 769 |
| Average equity | $99,677,500 | 675 |
| Average total loans | $508,042,000 | 983 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7548% | 6,580 |
| Cost of funding earning assets | 2.5130% | 4,137 |
| Net interest margin | 3.2418% | 6,233 |
| Noninterest income to average assets | 0.6682% | 3,348 |
| Noninterest expense to average assets | 1.8298% | 7,719 |
| Loan and lease loss provision to assets | 0.3483% | 3,614 |
| Net operating income to assets | 1.4637% | 1,094 |
| Return on assets (ROA) | 1.1347% | 1,928 |
| Pretax return on assets | 1.1957% | 2,657 |
| Return on Equity (ROE) | 10.4080% | 2,122 |
| Retained earnings to average equity (ytd only) | 3.4864% | 2,968 |
| Net charge-offs to loans | 0.4993% | 2,368 |
| Credit loss provision to net charge-offs | 117.5088% | 4,584 |
| Earnings coverage of net charge-offs (x) | 6.3776% | 3,368 |
| Efficiency ratio | 49.1870% | 7,721 |
| Assets per employee ($millions) | 4.7469% | 2,248 |
| Cash dividends to net income (ytd only)* | 66.5030% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 6,884 |
| Loan loss allowance to noncurrent loans | 35.9513% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 1.4209% | 3,357 |
| Noncurrent loans to loans | 2.3744% | 2,318 |
| Net loans and leases to total assets | 59.0493% | 6,045 |
| Net loans and leases to deposits | 82.1432% | 4,707 |
| Net loans and leases to core deposits | 99.0283% | 4,927 |
| Total domestic deposits to total assets | 71.8858% | 7,023 |
| Equity capital to assets | 11.4224% | 2,684 |
| Core capital (leverage) ratio | 11.0441% | 2,560 |
| Tier 1 risk-based capital ratio | 16.5061% | 2,484 |
| Total risk-based capital ratio | 17.2727% | 2,602 |
| Memoranda: | ||
| Average total assets | $861,360,200 | 789 |
| Average earning assets | $810,865,000 | 752 |
| Average equity | $93,908,200 | 714 |
| Average total loans | $511,319,200 | 934 |