Home > First Farmers and Merchants Bank > Performance and Condition Ratios
First Farmers and Merchants 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 | 3.5155% | 4,389 |
| Cost of funding earning assets | 0.9411% | 3,437 |
| Net interest margin | 2.5745% | 4,003 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.0092% | 3,604 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.9118% | 2,510 |
| Return on assets (ROA) | 0.8970% | 2,531 |
| Pretax return on assets | 1.0768% | 2,478 |
| Return on Equity (ROE) | 15.7400% | 1,149 |
| Retained earnings to average equity (ytd only) | 8.9686% | 1,264 |
| Net charge-offs to loans | 0.0030% | 2,672 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,585 |
| Earnings coverage of net charge-offs (x) | 674.1333% | 211 |
| Efficiency ratio | 65.2831% | 2,445 |
| Assets per employee ($millions) | 7.6616% | 1,616 |
| Cash dividends to net income (ytd only)* | 43.0296% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 4,050 |
| Loan loss allowance to noncurrent loans | 544.8472% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 3,047 |
| Noncurrent loans to loans | 0.1380% | 2,818 |
| Net loans and leases to total assets | 54.1200% | 3,339 |
| Net loans and leases to deposits | 62.5041% | 3,383 |
| Net loans and leases to core deposits | 70.2046% | 3,296 |
| Total domestic deposits to total assets | 86.5800% | 1,822 |
| Equity capital to assets | 6.6723% | 4,060 |
| Core capital (leverage) ratio | 9.0085% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7466% | 1,332 |
| Memoranda: | ||
| Average total assets | $1,892,776,000 | 599 |
| Average earning assets | $1,742,384,400 | 593 |
| Average equity | $107,853,800 | 899 |
| Average total loans | $985,296,800 | 738 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 4,407 |
| Cost of funding earning assets | 0.7895% | 3,551 |
| Net interest margin | 2.6452% | 3,956 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.0011% | 3,595 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.9428% | 2,537 |
| Return on assets (ROA) | 0.9237% | 2,589 |
| Pretax return on assets | 1.1190% | 2,508 |
| Return on Equity (ROE) | 16.9200% | 1,089 |
| Retained earnings to average equity (ytd only) | 9.3069% | 1,603 |
| Net charge-offs to loans | 0.0007% | 2,630 |
| Credit loss provision to net charge-offs | -15,900.0000% | 4,635 |
| Earnings coverage of net charge-offs (x) | 3,200.0000% | 31 |
| Efficiency ratio | 64.0417% | 2,489 |
| Assets per employee ($millions) | 7.6502% | 1,540 |
| Cash dividends to net income (ytd only)* | 45.0053% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 4,009 |
| Loan loss allowance to noncurrent loans | 253.2497% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 2,470 |
| Noncurrent loans to loans | 0.3095% | 2,127 |
| Net loans and leases to total assets | 53.3700% | 3,402 |
| Net loans and leases to deposits | 59.4859% | 3,536 |
| Net loans and leases to core deposits | 67.2862% | 3,362 |
| Total domestic deposits to total assets | 89.7200% | 1,013 |
| Equity capital to assets | 5.3234% | 4,190 |
| Core capital (leverage) ratio | 8.8805% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6047% | 1,398 |
| Memoranda: | ||
| Average total assets | $1,898,611,000 | 601 |
| Average earning assets | $1,747,411,250 | 592 |
| Average equity | $103,633,500 | 917 |
| Average total loans | $976,787,000 | 745 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3664% | 4,433 |
| Cost of funding earning assets | 0.5813% | 3,803 |
| Net interest margin | 2.7851% | 3,844 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.0055% | 3,582 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.0419% | 2,279 |
| Return on assets (ROA) | 1.0138% | 2,376 |
| Pretax return on assets | 1.2344% | 2,274 |
| Return on Equity (ROE) | 18.4200% | 904 |
| Retained earnings to average equity (ytd only) | 11.6929% | 1,045 |
| Net charge-offs to loans | 0.0023% | 2,281 |
| Credit loss provision to net charge-offs | -4,181.8182% | 4,657 |
| Earnings coverage of net charge-offs (x) | 1,077.1818% | 131 |
| Efficiency ratio | 61.7700% | 2,743 |
| Assets per employee ($millions) | 7.5979% | 1,546 |
| Cash dividends to net income (ytd only)* | 36.5365% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 3,906 |
| Loan loss allowance to noncurrent loans | 1,021.1706% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,350 |
| Noncurrent loans to loans | 0.0832% | 3,096 |
| Net loans and leases to total assets | 50.9700% | 3,492 |
| Net loans and leases to deposits | 57.7116% | 3,554 |
| Net loans and leases to core deposits | 64.3445% | 3,426 |
| Total domestic deposits to total assets | 88.3300% | 1,482 |
| Equity capital to assets | 5.7785% | 4,208 |
| Core capital (leverage) ratio | 8.6866% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1062% | 1,299 |
| Memoranda: | ||
| Average total assets | $1,909,262,333 | 582 |
| Average earning assets | $1,758,927,667 | 577 |
| Average equity | $105,055,000 | 906 |
| Average total loans | $967,694,000 | 736 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2619% | 4,464 |
| Cost of funding earning assets | 0.4930% | 3,712 |
| Net interest margin | 2.7689% | 3,988 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.0622% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9657% | 2,636 |
| Return on assets (ROA) | 0.9342% | 2,696 |
| Pretax return on assets | 1.1199% | 2,660 |
| Return on Equity (ROE) | 17.4000% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.1245% | 1,244 |
| Net charge-offs to loans | 0.0037% | 1,862 |
| Credit loss provision to net charge-offs | -1,833.3333% | 4,667 |
| Earnings coverage of net charge-offs (x) | 619.3333% | 182 |
| Efficiency ratio | 64.0410% | 2,451 |
| Assets per employee ($millions) | 7.8335% | 1,445 |
| Cash dividends to net income (ytd only)* | 30.3313% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 3,922 |
| Loan loss allowance to noncurrent loans | 984.5886% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 3,332 |
| Noncurrent loans to loans | 0.0888% | 3,108 |
| Net loans and leases to total assets | 50.4100% | 3,455 |
| Net loans and leases to deposits | 54.2263% | 3,667 |
| Net loans and leases to core deposits | 58.3869% | 3,613 |
| Total domestic deposits to total assets | 92.9700% | 313 |
| Equity capital to assets | 5.7612% | 4,270 |
| Core capital (leverage) ratio | 8.4325% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8318% | 1,411 |
| Memoranda: | ||
| Average total assets | $1,925,554,500 | 591 |
| Average earning assets | $1,776,140,000 | 585 |
| Average equity | $103,361,000 | 924 |
| Average total loans | $969,130,000 | 747 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7702% | 4,351 |
| Cost of funding earning assets | 0.1743% | 3,964 |
| Net interest margin | 2.5960% | 4,181 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 1.9872% | 3,614 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.9231% | 2,873 |
| Return on assets (ROA) | 0.9221% | 2,822 |
| Pretax return on assets | 1.1330% | 2,663 |
| Return on Equity (ROE) | 16.0900% | 1,039 |
| Retained earnings to average equity (ytd only) | 11.4303% | 801 |
| Net charge-offs to loans | -0.0104% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.9961% | 2,492 |
| Assets per employee ($millions) | 8.0154% | 1,314 |
| Cash dividends to net income (ytd only)* | 28.9417% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,510 |
| Loan loss allowance to noncurrent loans | 1,330.7801% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,440 |
| Noncurrent loans to loans | 0.0730% | 3,239 |
| Net loans and leases to total assets | 49.3300% | 3,558 |
| Net loans and leases to deposits | 53.1952% | 3,728 |
| Net loans and leases to core deposits | 55.4453% | 3,744 |
| Total domestic deposits to total assets | 92.7300% | 463 |
| Equity capital to assets | 4.9803% | 4,369 |
| Core capital (leverage) ratio | 8.1203% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4329% | 1,497 |
| Memoranda: | ||
| Average total assets | $2,000,156,400 | 547 |
| Average earning assets | $1,859,046,000 | 537 |
| Average equity | $114,660,400 | 846 |
| Average total loans | $928,414,200 | 731 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6390% | 4,358 |
| Cost of funding earning assets | 0.1198% | 4,128 |
| Net interest margin | 2.5192% | 4,195 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 1.9802% | 3,532 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.8821% | 2,955 |
| Return on assets (ROA) | 0.8816% | 2,928 |
| Pretax return on assets | 1.0777% | 2,787 |
| Return on Equity (ROE) | 14.9100% | 1,198 |
| Retained earnings to average equity (ytd only) | 11.0491% | 1,041 |
| Net charge-offs to loans | -0.0142% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.1956% | 2,387 |
| Assets per employee ($millions) | 8.0129% | 1,315 |
| Cash dividends to net income (ytd only)* | 25.8837% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,554 |
| Loan loss allowance to noncurrent loans | 1,319.6906% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 3,550 |
| Noncurrent loans to loans | 0.0747% | 3,344 |
| Net loans and leases to total assets | 48.6300% | 3,564 |
| Net loans and leases to deposits | 51.4449% | 3,766 |
| Net loans and leases to core deposits | 53.5650% | 3,773 |
| Total domestic deposits to total assets | 94.5300% | 283 |
| Equity capital to assets | 4.3757% | 4,428 |
| Core capital (leverage) ratio | 7.9274% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3027% | 1,622 |
| Memoranda: | ||
| Average total assets | $2,015,263,000 | 545 |
| Average earning assets | $1,877,739,000 | 531 |
| Average equity | $119,174,250 | 837 |
| Average total loans | $918,976,000 | 737 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4959% | 4,377 |
| Cost of funding earning assets | 0.0920% | 4,275 |
| Net interest margin | 2.4040% | 4,224 |
| Noninterest income to average assets | 0.6847% | 1,410 |
| Noninterest expense to average assets | 1.9551% | 3,563 |
| Loan and lease loss provision to assets | -0.0314% | 4,470 |
| Net operating income to assets | 0.8268% | 2,861 |
| Return on assets (ROA) | 0.8260% | 2,837 |
| Pretax return on assets | 1.0072% | 2,704 |
| Return on Equity (ROE) | 12.9051% | 1,404 |
| Retained earnings to average equity (ytd only) | 9.7890% | 1,077 |
| Net charge-offs to loans | -0.0223% | 3,920 |
| Credit loss provision to net charge-offs | 316.8317% | 781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6867% | 2,417 |
| Assets per employee ($millions) | 8.3750% | 1,125 |
| Cash dividends to net income (ytd only)* | 24.1457% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,610 |
| Loan loss allowance to noncurrent loans | 574.4186% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 3,168 |
| Noncurrent loans to loans | 0.1734% | 2,825 |
| Net loans and leases to total assets | 46.4159% | 3,685 |
| Net loans and leases to deposits | 49.6071% | 3,825 |
| Net loans and leases to core deposits | 51.5156% | 3,844 |
| Total domestic deposits to total assets | 93.5672% | 375 |
| Equity capital to assets | 5.4316% | 4,386 |
| Core capital (leverage) ratio | 7.7100% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2768% | 1,636 |
| Memoranda: | ||
| Average total assets | $2,040,643,667 | 538 |
| Average earning assets | $1,907,420,667 | 530 |
| Average equity | $130,615,333 | 769 |
| Average total loans | $907,824,000 | 730 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3928% | 4,385 |
| Cost of funding earning assets | 0.0771% | 4,383 |
| Net interest margin | 2.3157% | 4,211 |
| Noninterest income to average assets | 0.6638% | 1,436 |
| Noninterest expense to average assets | 2.0053% | 3,416 |
| Loan and lease loss provision to assets | -0.0623% | 4,537 |
| Net operating income to assets | 0.7391% | 2,893 |
| Return on assets (ROA) | 0.7391% | 2,885 |
| Pretax return on assets | 0.8942% | 2,801 |
| Return on Equity (ROE) | 10.7517% | 1,705 |
| Retained earnings to average equity (ytd only) | 8.1395% | 1,535 |
| Net charge-offs to loans | -0.0463% | 4,231 |
| Credit loss provision to net charge-offs | 310.6796% | 654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6782% | 2,136 |
| Assets per employee ($millions) | 8.7776% | 986 |
| Cash dividends to net income (ytd only)* | 24.2959% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,521 |
| Loan loss allowance to noncurrent loans | 937.8621% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,572 |
| Noncurrent loans to loans | 0.1122% | 3,271 |
| Net loans and leases to total assets | 41.2119% | 3,937 |
| Net loans and leases to deposits | 44.1710% | 4,058 |
| Net loans and leases to core deposits | 45.7529% | 4,084 |
| Total domestic deposits to total assets | 93.3010% | 205 |
| Equity capital to assets | 5.8004% | 4,618 |
| Core capital (leverage) ratio | 7.8012% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0458% | 1,780 |
| Memoranda: | ||
| Average total assets | $2,055,967,000 | 537 |
| Average earning assets | $1,929,642,500 | 530 |
| Average equity | $141,335,500 | 740 |
| Average total loans | $890,563,500 | 733 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6989% | 4,313 |
| Cost of funding earning assets | 0.1346% | 4,122 |
| Net interest margin | 2.5643% | 4,103 |
| Noninterest income to average assets | 0.8327% | 1,369 |
| Noninterest expense to average assets | 2.2507% | 2,948 |
| Loan and lease loss provision to assets | -0.0079% | 4,157 |
| Net operating income to assets | 0.8129% | 3,296 |
| Return on assets (ROA) | 0.8390% | 3,286 |
| Pretax return on assets | 1.0237% | 3,192 |
| Return on Equity (ROE) | 9.9861% | 2,525 |
| Retained earnings to average equity (ytd only) | 6.4257% | 2,169 |
| Net charge-offs to loans | -0.0043% | 3,519 |
| Credit loss provision to net charge-offs | 375.0000% | 945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5858% | 1,786 |
| Assets per employee ($millions) | 8.0746% | 1,294 |
| Cash dividends to net income (ytd only)* | 35.6539% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,440 |
| Loan loss allowance to noncurrent loans | 789.8849% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,550 |
| Noncurrent loans to loans | 0.1368% | 3,244 |
| Net loans and leases to total assets | 44.6393% | 3,787 |
| Net loans and leases to deposits | 49.0977% | 3,937 |
| Net loans and leases to core deposits | 51.0175% | 3,966 |
| Total domestic deposits to total assets | 90.9194% | 521 |
| Equity capital to assets | 8.0419% | 4,336 |
| Core capital (leverage) ratio | 7.9968% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2346% | 1,762 |
| Memoranda: | ||
| Average total assets | $1,888,451,200 | 565 |
| Average earning assets | $1,768,706,000 | 551 |
| Average equity | $158,660,600 | 681 |
| Average total loans | $920,467,400 | 707 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7118% | 4,394 |
| Cost of funding earning assets | 0.1512% | 4,097 |
| Net interest margin | 2.5606% | 4,192 |
| Noninterest income to average assets | 0.8684% | 1,329 |
| Noninterest expense to average assets | 2.1884% | 3,105 |
| Loan and lease loss provision to assets | -0.0107% | 4,319 |
| Net operating income to assets | 0.8831% | 3,299 |
| Return on assets (ROA) | 0.9038% | 3,312 |
| Pretax return on assets | 1.1112% | 3,172 |
| Return on Equity (ROE) | 10.6368% | 2,505 |
| Retained earnings to average equity (ytd only) | 6.9926% | 2,420 |
| Net charge-offs to loans | -0.0036% | 3,344 |
| Credit loss provision to net charge-offs | 600.0000% | 701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0626% | 1,963 |
| Assets per employee ($millions) | 7.7970% | 1,382 |
| Cash dividends to net income (ytd only)* | 34.2600% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,620 |
| Loan loss allowance to noncurrent loans | 606.9620% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 3,547 |
| Noncurrent loans to loans | 0.1746% | 3,251 |
| Net loans and leases to total assets | 46.6878% | 3,741 |
| Net loans and leases to deposits | 51.5599% | 3,913 |
| Net loans and leases to core deposits | 53.5837% | 3,943 |
| Total domestic deposits to total assets | 90.5506% | 533 |
| Equity capital to assets | 8.3979% | 4,275 |
| Core capital (leverage) ratio | 8.0429% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7493% | 1,703 |
| Memoranda: | ||
| Average total assets | $1,868,014,750 | 576 |
| Average earning assets | $1,747,123,250 | 567 |
| Average equity | $158,715,500 | 690 |
| Average total loans | $928,312,250 | 719 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6966% | 4,461 |
| Cost of funding earning assets | 0.1692% | 4,050 |
| Net interest margin | 2.5274% | 4,271 |
| Noninterest income to average assets | 0.9389% | 1,177 |
| Noninterest expense to average assets | 2.2010% | 3,090 |
| Loan and lease loss provision to assets | -0.0162% | 4,422 |
| Net operating income to assets | 0.9008% | 3,217 |
| Return on assets (ROA) | 0.9162% | 3,252 |
| Pretax return on assets | 1.1360% | 3,098 |
| Return on Equity (ROE) | 10.7403% | 2,517 |
| Retained earnings to average equity (ytd only) | 7.8478% | 2,131 |
| Net charge-offs to loans | -0.0034% | 3,320 |
| Credit loss provision to net charge-offs | 937.5000% | 494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6645% | 2,055 |
| Assets per employee ($millions) | 7.5073% | 1,472 |
| Cash dividends to net income (ytd only)* | 26.9308% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,608 |
| Loan loss allowance to noncurrent loans | 711.2843% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,732 |
| Noncurrent loans to loans | 0.1481% | 3,462 |
| Net loans and leases to total assets | 47.9661% | 3,728 |
| Net loans and leases to deposits | 53.0710% | 3,925 |
| Net loans and leases to core deposits | 55.1529% | 3,956 |
| Total domestic deposits to total assets | 90.3809% | 609 |
| Equity capital to assets | 8.6088% | 4,120 |
| Core capital (leverage) ratio | 8.0009% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7508% | 2,072 |
| Memoranda: | ||
| Average total assets | $1,851,336,000 | 573 |
| Average earning assets | $1,730,721,333 | 562 |
| Average equity | $157,928,667 | 686 |
| Average total loans | $936,054,333 | 715 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6565% | 4,522 |
| Cost of funding earning assets | 0.1808% | 4,074 |
| Net interest margin | 2.4758% | 4,336 |
| Noninterest income to average assets | 0.7353% | 1,760 |
| Noninterest expense to average assets | 2.3005% | 2,794 |
| Loan and lease loss provision to assets | -0.0326% | 4,621 |
| Net operating income to assets | 0.6565% | 3,804 |
| Return on assets (ROA) | 0.6786% | 3,824 |
| Pretax return on assets | 0.8091% | 3,795 |
| Return on Equity (ROE) | 7.9920% | 3,323 |
| Retained earnings to average equity (ytd only) | 5.5654% | 3,044 |
| Net charge-offs to loans | -0.0042% | 3,328 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4101% | 1,191 |
| Assets per employee ($millions) | 7.5384% | 1,432 |
| Cash dividends to net income (ytd only)* | 30.3623% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,726 |
| Loan loss allowance to noncurrent loans | 618.9399% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 3,788 |
| Noncurrent loans to loans | 0.1663% | 3,511 |
| Net loans and leases to total assets | 49.0336% | 3,705 |
| Net loans and leases to deposits | 53.9351% | 3,940 |
| Net loans and leases to core deposits | 55.8929% | 3,982 |
| Total domestic deposits to total assets | 90.9123% | 434 |
| Equity capital to assets | 8.1129% | 4,425 |
| Core capital (leverage) ratio | 8.0041% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6415% | 2,025 |
| Memoranda: | ||
| Average total assets | $1,838,590,000 | 568 |
| Average earning assets | $1,719,394,000 | 559 |
| Average equity | $156,107,000 | 686 |
| Average total loans | $949,170,500 | 702 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2331% | 4,415 |
| Cost of funding earning assets | 0.2574% | 4,350 |
| Net interest margin | 2.9757% | 3,948 |
| Noninterest income to average assets | 0.8634% | 1,365 |
| Noninterest expense to average assets | 2.5009% | 2,848 |
| Loan and lease loss provision to assets | 0.0440% | 3,850 |
| Net operating income to assets | 0.8996% | 2,696 |
| Return on assets (ROA) | 0.9054% | 2,808 |
| Pretax return on assets | 1.0803% | 2,767 |
| Return on Equity (ROE) | 9.3927% | 2,246 |
| Retained earnings to average equity (ytd only) | 6.4071% | 1,632 |
| Net charge-offs to loans | -0.0057% | 4,165 |
| Credit loss provision to net charge-offs | -1,272.7273% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1225% | 2,075 |
| Assets per employee ($millions) | 7.1433% | 1,483 |
| Cash dividends to net income (ytd only)* | 31.7863% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,851 |
| Loan loss allowance to noncurrent loans | 622.7564% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 3,894 |
| Noncurrent loans to loans | 0.1611% | 3,632 |
| Net loans and leases to total assets | 53.2554% | 3,553 |
| Net loans and leases to deposits | 59.6004% | 3,793 |
| Net loans and leases to core deposits | 61.9834% | 3,828 |
| Total domestic deposits to total assets | 89.3541% | 827 |
| Equity capital to assets | 8.8844% | 4,162 |
| Core capital (leverage) ratio | 8.2635% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6407% | 1,644 |
| Memoranda: | ||
| Average total assets | $1,592,164,200 | 584 |
| Average earning assets | $1,473,916,000 | 577 |
| Average equity | $153,469,600 | 658 |
| Average total loans | $970,900,200 | 666 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 4,398 |
| Cost of funding earning assets | 0.2755% | 4,411 |
| Net interest margin | 3.0871% | 3,767 |
| Noninterest income to average assets | 0.8994% | 1,225 |
| Noninterest expense to average assets | 2.5670% | 2,641 |
| Loan and lease loss provision to assets | 0.0606% | 3,585 |
| Net operating income to assets | 0.9428% | 2,551 |
| Return on assets (ROA) | 0.9515% | 2,651 |
| Pretax return on assets | 1.1334% | 2,626 |
| Return on Equity (ROE) | 9.6502% | 2,153 |
| Retained earnings to average equity (ytd only) | 6.4341% | 1,908 |
| Net charge-offs to loans | -0.0071% | 4,144 |
| Credit loss provision to net charge-offs | -1,346.1538% | 3,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4432% | 2,120 |
| Assets per employee ($millions) | 6.6529% | 1,709 |
| Cash dividends to net income (ytd only)* | 33.3273% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,804 |
| Loan loss allowance to noncurrent loans | 600.9901% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 3,960 |
| Noncurrent loans to loans | 0.1620% | 3,738 |
| Net loans and leases to total assets | 57.5374% | 3,462 |
| Net loans and leases to deposits | 64.6990% | 3,738 |
| Net loans and leases to core deposits | 67.3884% | 3,801 |
| Total domestic deposits to total assets | 88.9308% | 797 |
| Equity capital to assets | 9.1853% | 3,964 |
| Core capital (leverage) ratio | 8.5542% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5616% | 1,633 |
| Memoranda: | ||
| Average total assets | $1,540,176,000 | 589 |
| Average earning assets | $1,422,442,250 | 577 |
| Average equity | $151,854,500 | 656 |
| Average total loans | $971,531,750 | 648 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5271% | 4,380 |
| Cost of funding earning assets | 0.3127% | 4,429 |
| Net interest margin | 3.2144% | 3,628 |
| Noninterest income to average assets | 0.9558% | 1,061 |
| Noninterest expense to average assets | 2.6911% | 2,410 |
| Loan and lease loss provision to assets | 0.0945% | 3,090 |
| Net operating income to assets | 0.9566% | 2,470 |
| Return on assets (ROA) | 0.9703% | 2,552 |
| Pretax return on assets | 1.1423% | 2,574 |
| Return on Equity (ROE) | 9.5878% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.9219% | 2,116 |
| Net charge-offs to loans | -0.0073% | 4,114 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7985% | 2,124 |
| Assets per employee ($millions) | 6.1083% | 2,083 |
| Cash dividends to net income (ytd only)* | 38.2357% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 3,697 |
| Loan loss allowance to noncurrent loans | 570.9658% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 4,003 |
| Noncurrent loans to loans | 0.1703% | 3,767 |
| Net loans and leases to total assets | 61.4477% | 3,172 |
| Net loans and leases to deposits | 69.6823% | 3,442 |
| Net loans and leases to core deposits | 72.9955% | 3,518 |
| Total domestic deposits to total assets | 88.1826% | 1,091 |
| Equity capital to assets | 9.6508% | 3,522 |
| Core capital (leverage) ratio | 8.8666% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5463% | 1,616 |
| Memoranda: | ||
| Average total assets | $1,481,420,333 | 601 |
| Average earning assets | $1,362,203,667 | 592 |
| Average equity | $149,919,333 | 661 |
| Average total loans | $962,939,667 | 644 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 4,309 |
| Cost of funding earning assets | 0.3982% | 4,365 |
| Net interest margin | 3.3468% | 3,458 |
| Noninterest income to average assets | 1.0352% | 795 |
| Noninterest expense to average assets | 2.9330% | 2,043 |
| Loan and lease loss provision to assets | 0.1452% | 1,939 |
| Net operating income to assets | 0.9025% | 2,519 |
| Return on assets (ROA) | 0.9345% | 2,511 |
| Pretax return on assets | 1.0617% | 2,631 |
| Return on Equity (ROE) | 8.9984% | 2,112 |
| Retained earnings to average equity (ytd only) | 4.0228% | 2,671 |
| Net charge-offs to loans | -0.0042% | 3,806 |
| Credit loss provision to net charge-offs | -5,150.0000% | 3,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4757% | 2,162 |
| Assets per employee ($millions) | 5.2791% | 2,350 |
| Cash dividends to net income (ytd only)* | 55.2941% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 3,746 |
| Loan loss allowance to noncurrent loans | 589.1304% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 4,060 |
| Noncurrent loans to loans | 0.1686% | 3,862 |
| Net loans and leases to total assets | 65.8235% | 2,838 |
| Net loans and leases to deposits | 75.2156% | 3,150 |
| Net loans and leases to core deposits | 79.2474% | 3,264 |
| Total domestic deposits to total assets | 87.5131% | 1,324 |
| Equity capital to assets | 10.4890% | 3,331 |
| Core capital (leverage) ratio | 9.6721% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8075% | 1,970 |
| Memoranda: | ||
| Average total assets | $1,418,884,500 | 600 |
| Average earning assets | $1,300,824,000 | 593 |
| Average equity | $147,359,000 | 667 |
| Average total loans | $945,986,000 | 632 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 4,458 |
| Cost of funding earning assets | 0.4585% | 4,243 |
| Net interest margin | 3.4279% | 3,659 |
| Noninterest income to average assets | 1.1452% | 715 |
| Noninterest expense to average assets | 2.8586% | 2,417 |
| Loan and lease loss provision to assets | -0.0263% | 4,970 |
| Net operating income to assets | 1.2031% | 2,046 |
| Return on assets (ROA) | 1.2035% | 2,138 |
| Pretax return on assets | 1.4479% | 1,984 |
| Return on Equity (ROE) | 11.8024% | 1,583 |
| Retained earnings to average equity (ytd only) | 5.4542% | 2,188 |
| Net charge-offs to loans | -0.0042% | 4,319 |
| Credit loss provision to net charge-offs | 947.3684% | 365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7992% | 2,646 |
| Assets per employee ($millions) | 4.9888% | 2,614 |
| Cash dividends to net income (ytd only)* | 53.7878% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 3,723 |
| Loan loss allowance to noncurrent loans | 538.1381% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 4,043 |
| Noncurrent loans to loans | 0.1776% | 3,821 |
| Net loans and leases to total assets | 66.2236% | 2,921 |
| Net loans and leases to deposits | 76.0447% | 3,176 |
| Net loans and leases to core deposits | 80.3568% | 3,268 |
| Total domestic deposits to total assets | 87.0851% | 1,562 |
| Equity capital to assets | 10.2795% | 3,647 |
| Core capital (leverage) ratio | 9.7735% | 3,757 |
| Tier 1 risk-based capital ratio | 13.7939% | 3,370 |
| Total risk-based capital ratio | 14.7194% | 3,430 |
| Memoranda: | ||
| Average total assets | $1,369,876,000 | 596 |
| Average earning assets | $1,252,473,200 | 592 |
| Average equity | $139,691,400 | 669 |
| Average total loans | $903,220,800 | 641 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 4,532 |
| Cost of funding earning assets | 0.4600% | 4,302 |
| Net interest margin | 3.4462% | 3,742 |
| Noninterest income to average assets | 1.2103% | 626 |
| Noninterest expense to average assets | 2.8729% | 2,336 |
| Loan and lease loss provision to assets | -0.0352% | 5,110 |
| Net operating income to assets | 1.2631% | 1,972 |
| Return on assets (ROA) | 1.2633% | 2,054 |
| Pretax return on assets | 1.5229% | 1,894 |
| Return on Equity (ROE) | 12.4144% | 1,476 |
| Retained earnings to average equity (ytd only) | 5.8560% | 2,434 |
| Net charge-offs to loans | -0.0022% | 4,069 |
| Credit loss provision to net charge-offs | 2,400.0000% | 170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8905% | 2,743 |
| Assets per employee ($millions) | 4.8637% | 2,719 |
| Cash dividends to net income (ytd only)* | 52.8286% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,618 |
| Loan loss allowance to noncurrent loans | 344.6587% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 3,810 |
| Noncurrent loans to loans | 0.2876% | 3,507 |
| Net loans and leases to total assets | 65.3122% | 3,140 |
| Net loans and leases to deposits | 75.7191% | 3,322 |
| Net loans and leases to core deposits | 78.9976% | 3,473 |
| Total domestic deposits to total assets | 86.2560% | 1,883 |
| Equity capital to assets | 10.4565% | 3,577 |
| Core capital (leverage) ratio | 9.8534% | 3,780 |
| Tier 1 risk-based capital ratio | 14.1346% | 3,265 |
| Total risk-based capital ratio | 15.0916% | 3,315 |
| Memoranda: | ||
| Average total assets | $1,361,884,500 | 598 |
| Average earning assets | $1,244,770,750 | 596 |
| Average equity | $138,588,500 | 668 |
| Average total loans | $894,698,500 | 646 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8828% | 4,584 |
| Cost of funding earning assets | 0.4423% | 4,353 |
| Net interest margin | 3.4406% | 3,773 |
| Noninterest income to average assets | 1.3147% | 509 |
| Noninterest expense to average assets | 2.8740% | 2,344 |
| Loan and lease loss provision to assets | -0.0081% | 5,117 |
| Net operating income to assets | 1.3105% | 1,732 |
| Return on assets (ROA) | 1.3093% | 1,803 |
| Pretax return on assets | 1.5932% | 1,565 |
| Return on Equity (ROE) | 12.9859% | 1,250 |
| Retained earnings to average equity (ytd only) | 8.8619% | 1,071 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4350% | 3,067 |
| Assets per employee ($millions) | 4.8386% | 2,688 |
| Cash dividends to net income (ytd only)* | 31.7574% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,412 |
| Loan loss allowance to noncurrent loans | 570.9777% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 4,165 |
| Noncurrent loans to loans | 0.1815% | 3,908 |
| Net loans and leases to total assets | 64.3630% | 3,301 |
| Net loans and leases to deposits | 77.2373% | 3,222 |
| Net loans and leases to core deposits | 80.1245% | 3,409 |
| Total domestic deposits to total assets | 83.3315% | 3,099 |
| Equity capital to assets | 10.3879% | 3,618 |
| Core capital (leverage) ratio | 9.8872% | 3,718 |
| Tier 1 risk-based capital ratio | 14.1545% | 3,239 |
| Total risk-based capital ratio | 15.1440% | 3,275 |
| Memoranda: | ||
| Average total assets | $1,360,279,000 | 601 |
| Average earning assets | $1,243,634,670 | 596 |
| Average equity | $137,148,330 | 668 |
| Average total loans | $892,411,330 | 646 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 4,608 |
| Cost of funding earning assets | 0.4429% | 4,322 |
| Net interest margin | 3.4251% | 3,822 |
| Noninterest income to average assets | 1.6705% | 321 |
| Noninterest expense to average assets | 2.7967% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6100% | 877 |
| Return on assets (ROA) | 1.6100% | 910 |
| Pretax return on assets | 1.9995% | 644 |
| Return on Equity (ROE) | 16.2168% | 564 |
| Retained earnings to average equity (ytd only) | 12.7161% | 509 |
| Net charge-offs to loans | 0.0018% | 2,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1,694.2500% | 22 |
| Efficiency ratio | 58.3108% | 4,040 |
| Assets per employee ($millions) | 4.8434% | 2,724 |
| Cash dividends to net income (ytd only)* | 21.5870% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,460 |
| Loan loss allowance to noncurrent loans | 576.2733% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,214 |
| Noncurrent loans to loans | 0.1806% | 3,945 |
| Net loans and leases to total assets | 65.5208% | 3,112 |
| Net loans and leases to deposits | 76.3566% | 3,228 |
| Net loans and leases to core deposits | 78.9969% | 3,453 |
| Total domestic deposits to total assets | 85.8090% | 2,359 |
| Equity capital to assets | 10.2444% | 3,579 |
| Core capital (leverage) ratio | 9.6467% | 3,975 |
| Tier 1 risk-based capital ratio | 13.9836% | 3,341 |
| Total risk-based capital ratio | 14.9806% | 3,389 |
| Memoranda: | ||
| Average total assets | $1,355,763,500 | 605 |
| Average earning assets | $1,237,215,000 | 599 |
| Average equity | $134,601,500 | 679 |
| Average total loans | $893,339,000 | 648 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6933% | 4,678 |
| Cost of funding earning assets | 0.3320% | 4,395 |
| Net interest margin | 3.3613% | 4,102 |
| Noninterest income to average assets | 1.0022% | 934 |
| Noninterest expense to average assets | 2.8169% | 2,636 |
| Loan and lease loss provision to assets | 0.0037% | 4,033 |
| Net operating income to assets | 1.0765% | 2,690 |
| Return on assets (ROA) | 1.0622% | 2,734 |
| Pretax return on assets | 1.2517% | 2,689 |
| Return on Equity (ROE) | 11.5312% | 1,891 |
| Retained earnings to average equity (ytd only) | 6.9508% | 1,694 |
| Net charge-offs to loans | -0.0126% | 4,560 |
| Credit loss provision to net charge-offs | -45.4545% | 4,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8923% | 2,407 |
| Assets per employee ($millions) | 4.8066% | 2,733 |
| Cash dividends to net income (ytd only)* | 39.7221% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,461 |
| Loan loss allowance to noncurrent loans | 554.4803% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 4,210 |
| Noncurrent loans to loans | 0.1870% | 3,903 |
| Net loans and leases to total assets | 64.8984% | 3,264 |
| Net loans and leases to deposits | 75.3771% | 3,397 |
| Net loans and leases to core deposits | 77.6850% | 3,607 |
| Total domestic deposits to total assets | 86.0982% | 2,182 |
| Equity capital to assets | 9.6161% | 4,031 |
| Core capital (leverage) ratio | 9.2916% | 4,358 |
| Tier 1 risk-based capital ratio | 13.4341% | 3,588 |
| Total risk-based capital ratio | 14.4223% | 3,630 |
| Memoranda: | ||
| Average total assets | $1,368,459,400 | 579 |
| Average earning assets | $1,256,612,800 | 578 |
| Average equity | $126,057,800 | 684 |
| Average total loans | $871,131,600 | 639 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6003% | 4,805 |
| Cost of funding earning assets | 0.3010% | 4,503 |
| Net interest margin | 3.2992% | 4,278 |
| Noninterest income to average assets | 0.9651% | 1,025 |
| Noninterest expense to average assets | 2.7392% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0602% | 2,823 |
| Return on assets (ROA) | 1.0594% | 2,837 |
| Pretax return on assets | 1.2621% | 2,761 |
| Return on Equity (ROE) | 11.6278% | 1,945 |
| Retained earnings to average equity (ytd only) | 7.0889% | 2,084 |
| Net charge-offs to loans | -0.0129% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4444% | 2,453 |
| Assets per employee ($millions) | 4.9561% | 2,525 |
| Cash dividends to net income (ytd only)* | 39.0350% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,432 |
| Loan loss allowance to noncurrent loans | 325.3004% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 3,907 |
| Noncurrent loans to loans | 0.3248% | 3,506 |
| Net loans and leases to total assets | 63.2551% | 3,516 |
| Net loans and leases to deposits | 74.0117% | 3,592 |
| Net loans and leases to core deposits | 75.7059% | 3,827 |
| Total domestic deposits to total assets | 85.4664% | 2,420 |
| Equity capital to assets | 9.2354% | 4,340 |
| Core capital (leverage) ratio | 9.1270% | 4,591 |
| Tier 1 risk-based capital ratio | 13.4577% | 3,650 |
| Total risk-based capital ratio | 14.4562% | 3,699 |
| Memoranda: | ||
| Average total assets | $1,369,306,500 | 577 |
| Average earning assets | $1,260,463,750 | 576 |
| Average equity | $124,755,500 | 687 |
| Average total loans | $865,116,750 | 639 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 4,880 |
| Cost of funding earning assets | 0.2765% | 4,585 |
| Net interest margin | 3.2516% | 4,377 |
| Noninterest income to average assets | 0.9526% | 1,048 |
| Noninterest expense to average assets | 2.6953% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0542% | 2,791 |
| Return on assets (ROA) | 1.0531% | 2,785 |
| Pretax return on assets | 1.2534% | 2,711 |
| Return on Equity (ROE) | 11.6109% | 1,868 |
| Retained earnings to average equity (ytd only) | 7.2647% | 1,946 |
| Net charge-offs to loans | -0.0151% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2370% | 2,606 |
| Assets per employee ($millions) | 5.0410% | 2,364 |
| Cash dividends to net income (ytd only)* | 37.4325% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,507 |
| Loan loss allowance to noncurrent loans | 323.9422% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 3,966 |
| Noncurrent loans to loans | 0.3258% | 3,537 |
| Net loans and leases to total assets | 63.0380% | 3,506 |
| Net loans and leases to deposits | 72.2271% | 3,694 |
| Net loans and leases to core deposits | 73.9414% | 3,883 |
| Total domestic deposits to total assets | 87.2775% | 1,733 |
| Equity capital to assets | 9.1490% | 4,435 |
| Core capital (leverage) ratio | 8.9145% | 4,761 |
| Tier 1 risk-based capital ratio | 13.2637% | 3,753 |
| Total risk-based capital ratio | 14.2628% | 3,805 |
| Memoranda: | ||
| Average total assets | $1,371,429,330 | 577 |
| Average earning assets | $1,264,184,330 | 574 |
| Average equity | $124,383,000 | 690 |
| Average total loans | $863,044,330 | 638 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4208% | 4,993 |
| Cost of funding earning assets | 0.2651% | 4,617 |
| Net interest margin | 3.1557% | 4,590 |
| Noninterest income to average assets | 0.9641% | 993 |
| Noninterest expense to average assets | 2.7687% | 2,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9400% | 3,108 |
| Return on assets (ROA) | 0.9400% | 3,123 |
| Pretax return on assets | 1.1062% | 3,150 |
| Return on Equity (ROE) | 10.4092% | 2,224 |
| Retained earnings to average equity (ytd only) | 6.5892% | 2,457 |
| Net charge-offs to loans | -0.0228% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4522% | 2,272 |
| Assets per employee ($millions) | 5.1203% | 2,334 |
| Cash dividends to net income (ytd only)* | 36.6987% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,586 |
| Loan loss allowance to noncurrent loans | 335.5653% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 4,083 |
| Noncurrent loans to loans | 0.3166% | 3,632 |
| Net loans and leases to total assets | 62.2326% | 3,523 |
| Net loans and leases to deposits | 70.9423% | 3,709 |
| Net loans and leases to core deposits | 72.5185% | 3,916 |
| Total domestic deposits to total assets | 87.7228% | 1,778 |
| Equity capital to assets | 8.9995% | 4,555 |
| Core capital (leverage) ratio | 8.7970% | 4,896 |
| Tier 1 risk-based capital ratio | 13.1315% | 3,885 |
| Total risk-based capital ratio | 14.1395% | 3,902 |
| Memoranda: | ||
| Average total assets | $1,374,093,000 | 581 |
| Average earning assets | $1,267,438,000 | 574 |
| Average equity | $124,082,500 | 691 |
| Average total loans | $859,391,000 | 640 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3943% | 4,950 |
| Cost of funding earning assets | 0.2469% | 4,592 |
| Net interest margin | 3.1474% | 4,584 |
| Noninterest income to average assets | 0.8698% | 1,356 |
| Noninterest expense to average assets | 2.6661% | 3,240 |
| Loan and lease loss provision to assets | -0.0166% | 5,325 |
| Net operating income to assets | 0.7838% | 3,233 |
| Return on assets (ROA) | 0.7837% | 3,273 |
| Pretax return on assets | 1.1317% | 3,056 |
| Return on Equity (ROE) | 9.0081% | 2,316 |
| Retained earnings to average equity (ytd only) | 3.3602% | 3,281 |
| Net charge-offs to loans | 0.0001% | 4,126 |
| Credit loss provision to net charge-offs | -22,500.0000% | 5,286 |
| Earnings coverage of net charge-offs (x) | 15,139.0000% | 3 |
| Efficiency ratio | 70.5146% | 2,467 |
| Assets per employee ($millions) | 5.1150% | 2,342 |
| Cash dividends to net income (ytd only)* | 62.6985% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,517 |
| Loan loss allowance to noncurrent loans | 328.8392% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 4,131 |
| Noncurrent loans to loans | 0.3242% | 3,606 |
| Net loans and leases to total assets | 61.5219% | 3,674 |
| Net loans and leases to deposits | 70.1251% | 3,865 |
| Net loans and leases to core deposits | 71.9652% | 4,046 |
| Total domestic deposits to total assets | 87.7317% | 1,641 |
| Equity capital to assets | 9.0607% | 4,658 |
| Core capital (leverage) ratio | 8.7147% | 4,937 |
| Tier 1 risk-based capital ratio | 12.9490% | 3,934 |
| Total risk-based capital ratio | 13.9577% | 3,984 |
| Memoranda: | ||
| Average total assets | $1,357,996,000 | 565 |
| Average earning assets | $1,256,010,000 | 559 |
| Average equity | $118,149,000 | 698 |
| Average total loans | $847,495,400 | 620 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 5,003 |
| Cost of funding earning assets | 0.2428% | 4,635 |
| Net interest margin | 3.1289% | 4,624 |
| Noninterest income to average assets | 0.8609% | 1,397 |
| Noninterest expense to average assets | 2.6861% | 3,104 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8260% | 3,409 |
| Return on assets (ROA) | 0.8268% | 3,440 |
| Pretax return on assets | 1.0742% | 3,407 |
| Return on Equity (ROE) | 9.6039% | 2,304 |
| Retained earnings to average equity (ytd only) | 3.7509% | 3,691 |
| Net charge-offs to loans | 0.0098% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 175.6872% | 484 |
| Efficiency ratio | 71.4570% | 2,290 |
| Assets per employee ($millions) | 5.0807% | 2,349 |
| Cash dividends to net income (ytd only)* | 60.9436% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,596 |
| Loan loss allowance to noncurrent loans | 317.5787% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 4,196 |
| Noncurrent loans to loans | 0.3401% | 3,730 |
| Net loans and leases to total assets | 63.1670% | 3,533 |
| Net loans and leases to deposits | 72.5612% | 3,712 |
| Net loans and leases to core deposits | 74.4679% | 3,932 |
| Total domestic deposits to total assets | 87.0534% | 1,850 |
| Equity capital to assets | 8.8501% | 5,032 |
| Core capital (leverage) ratio | 8.2497% | 5,397 |
| Tier 1 risk-based capital ratio | 12.4769% | 4,329 |
| Total risk-based capital ratio | 13.5257% | 4,346 |
| Memoranda: | ||
| Average total assets | $1,353,508,000 | 568 |
| Average earning assets | $1,253,701,500 | 560 |
| Average equity | $116,518,750 | 703 |
| Average total loans | $845,461,250 | 621 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 5,062 |
| Cost of funding earning assets | 0.2356% | 4,678 |
| Net interest margin | 3.0935% | 4,703 |
| Noninterest income to average assets | 0.8215% | 1,492 |
| Noninterest expense to average assets | 2.6731% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7898% | 3,445 |
| Return on assets (ROA) | 0.7911% | 3,493 |
| Pretax return on assets | 1.0162% | 3,500 |
| Return on Equity (ROE) | 9.2754% | 2,379 |
| Retained earnings to average equity (ytd only) | 2.6185% | 4,132 |
| Net charge-offs to loans | 0.0209% | 2,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 78.1364% | 784 |
| Efficiency ratio | 72.4938% | 2,266 |
| Assets per employee ($millions) | 5.1506% | 2,210 |
| Cash dividends to net income (ytd only)* | 71.7695% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,700 |
| Loan loss allowance to noncurrent loans | 321.4162% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 4,319 |
| Noncurrent loans to loans | 0.3355% | 3,841 |
| Net loans and leases to total assets | 62.2404% | 3,604 |
| Net loans and leases to deposits | 71.6528% | 3,772 |
| Net loans and leases to core deposits | 73.5258% | 3,977 |
| Total domestic deposits to total assets | 86.8639% | 2,007 |
| Equity capital to assets | 8.5797% | 5,242 |
| Core capital (leverage) ratio | 7.9937% | 5,530 |
| Tier 1 risk-based capital ratio | 12.0857% | 4,575 |
| Total risk-based capital ratio | 13.1152% | 4,612 |
| Memoranda: | ||
| Average total assets | $1,355,885,330 | 570 |
| Average earning assets | $1,256,108,000 | 564 |
| Average equity | $115,639,330 | 713 |
| Average total loans | $840,698,000 | 625 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2770% | 5,138 |
| Cost of funding earning assets | 0.2234% | 4,770 |
| Net interest margin | 3.0536% | 4,780 |
| Noninterest income to average assets | 0.7906% | 1,593 |
| Noninterest expense to average assets | 2.7338% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7252% | 3,595 |
| Return on assets (ROA) | 0.7252% | 3,645 |
| Pretax return on assets | 0.8895% | 3,810 |
| Return on Equity (ROE) | 8.5286% | 2,663 |
| Retained earnings to average equity (ytd only) | 3.8988% | 3,502 |
| Net charge-offs to loans | -0.0082% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4514% | 1,990 |
| Assets per employee ($millions) | 5.2894% | 2,086 |
| Cash dividends to net income (ytd only)* | 54.2857% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,639 |
| Loan loss allowance to noncurrent loans | 281.1468% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 4,251 |
| Noncurrent loans to loans | 0.3958% | 3,679 |
| Net loans and leases to total assets | 60.7436% | 3,703 |
| Net loans and leases to deposits | 68.4873% | 3,944 |
| Net loans and leases to core deposits | 70.3834% | 4,120 |
| Total domestic deposits to total assets | 88.6933% | 1,326 |
| Equity capital to assets | 8.4513% | 5,273 |
| Core capital (leverage) ratio | 8.0571% | 5,535 |
| Tier 1 risk-based capital ratio | 12.0410% | 4,686 |
| Total risk-based capital ratio | 13.0821% | 4,735 |
| Memoranda: | ||
| Average total assets | $1,351,376,500 | 572 |
| Average earning assets | $1,253,602,500 | 568 |
| Average equity | $114,907,000 | 717 |
| Average total loans | $831,656,500 | 635 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2738% | 5,199 |
| Cost of funding earning assets | 0.2039% | 4,980 |
| Net interest margin | 3.0699% | 4,801 |
| Noninterest income to average assets | 0.8323% | 1,642 |
| Noninterest expense to average assets | 2.5816% | 3,735 |
| Loan and lease loss provision to assets | 0.0643% | 3,089 |
| Net operating income to assets | 0.7937% | 3,338 |
| Return on assets (ROA) | 0.8080% | 3,375 |
| Pretax return on assets | 1.0606% | 3,260 |
| Return on Equity (ROE) | 8.9772% | 2,433 |
| Retained earnings to average equity (ytd only) | 5.4002% | 2,077 |
| Net charge-offs to loans | 0.0162% | 3,760 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 114.6508% | 530 |
| Efficiency ratio | 70.0129% | 2,899 |
| Assets per employee ($millions) | 5.1459% | 2,235 |
| Cash dividends to net income (ytd only)* | 39.8446% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 3,505 |
| Loan loss allowance to noncurrent loans | 271.0351% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 4,258 |
| Noncurrent loans to loans | 0.4197% | 3,638 |
| Net loans and leases to total assets | 60.9574% | 3,740 |
| Net loans and leases to deposits | 69.7739% | 3,926 |
| Net loans and leases to core deposits | 71.8624% | 4,093 |
| Total domestic deposits to total assets | 87.3642% | 1,947 |
| Equity capital to assets | 8.5561% | 5,226 |
| Core capital (leverage) ratio | 8.1647% | 5,524 |
| Tier 1 risk-based capital ratio | 12.1369% | 4,633 |
| Total risk-based capital ratio | 13.1954% | 4,651 |
| Memoranda: | ||
| Average total assets | $1,306,466,600 | 565 |
| Average earning assets | $1,215,006,600 | 557 |
| Average equity | $117,587,400 | 677 |
| Average total loans | $780,075,200 | 643 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2600% | 5,265 |
| Cost of funding earning assets | 0.1989% | 5,081 |
| Net interest margin | 3.0611% | 4,872 |
| Noninterest income to average assets | 0.8322% | 1,640 |
| Noninterest expense to average assets | 2.5420% | 3,856 |
| Loan and lease loss provision to assets | 0.0862% | 2,505 |
| Net operating income to assets | 0.7966% | 3,381 |
| Return on assets (ROA) | 0.8156% | 3,434 |
| Pretax return on assets | 1.0791% | 3,319 |
| Return on Equity (ROE) | 8.9490% | 2,518 |
| Retained earnings to average equity (ytd only) | 5.1869% | 2,704 |
| Net charge-offs to loans | 0.0210% | 3,274 |
| Credit loss provision to net charge-offs | 694.2149% | 568 |
| Earnings coverage of net charge-offs (x) | 91.8509% | 699 |
| Efficiency ratio | 69.0392% | 3,036 |
| Assets per employee ($millions) | 5.3835% | 1,971 |
| Cash dividends to net income (ytd only)* | 42.0397% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 3,626 |
| Loan loss allowance to noncurrent loans | 264.9575% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 4,389 |
| Noncurrent loans to loans | 0.4297% | 3,745 |
| Net loans and leases to total assets | 60.5912% | 3,804 |
| Net loans and leases to deposits | 68.6486% | 4,094 |
| Net loans and leases to core deposits | 70.9578% | 4,252 |
| Total domestic deposits to total assets | 88.2628% | 1,257 |
| Equity capital to assets | 8.8416% | 5,294 |
| Core capital (leverage) ratio | 8.2030% | 5,576 |
| Tier 1 risk-based capital ratio | 11.7939% | 4,923 |
| Total risk-based capital ratio | 12.8349% | 4,948 |
| Memoranda: | ||
| Average total assets | $1,299,884,750 | 569 |
| Average earning assets | $1,210,149,500 | 557 |
| Average equity | $118,475,500 | 676 |
| Average total loans | $769,647,750 | 647 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2529% | 5,361 |
| Cost of funding earning assets | 0.1943% | 5,199 |
| Net interest margin | 3.0586% | 4,953 |
| Noninterest income to average assets | 0.8271% | 1,620 |
| Noninterest expense to average assets | 2.5340% | 3,931 |
| Loan and lease loss provision to assets | 0.0707% | 2,720 |
| Net operating income to assets | 0.8147% | 3,244 |
| Return on assets (ROA) | 0.8233% | 3,340 |
| Pretax return on assets | 1.0810% | 3,278 |
| Return on Equity (ROE) | 8.9397% | 2,520 |
| Retained earnings to average equity (ytd only) | 5.5681% | 2,381 |
| Net charge-offs to loans | 0.0066% | 3,458 |
| Credit loss provision to net charge-offs | 1,820.0000% | 224 |
| Earnings coverage of net charge-offs (x) | 293.3200% | 235 |
| Efficiency ratio | 68.9687% | 3,156 |
| Assets per employee ($millions) | 5.3684% | 1,919 |
| Cash dividends to net income (ytd only)* | 37.7148% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,621 |
| Loan loss allowance to noncurrent loans | 216.4796% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 4,202 |
| Noncurrent loans to loans | 0.5330% | 3,478 |
| Net loans and leases to total assets | 59.5195% | 3,948 |
| Net loans and leases to deposits | 67.7158% | 4,206 |
| Net loans and leases to core deposits | 70.2152% | 4,310 |
| Total domestic deposits to total assets | 87.8961% | 1,482 |
| Equity capital to assets | 9.1435% | 5,121 |
| Core capital (leverage) ratio | 8.2688% | 5,556 |
| Tier 1 risk-based capital ratio | 12.1760% | 4,714 |
| Total risk-based capital ratio | 13.2210% | 4,760 |
| Memoranda: | ||
| Average total assets | $1,286,351,670 | 574 |
| Average earning assets | $1,197,328,670 | 564 |
| Average equity | $118,460,670 | 677 |
| Average total loans | $752,341,000 | 662 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 5,367 |
| Cost of funding earning assets | 0.1878% | 5,304 |
| Net interest margin | 3.0863% | 4,901 |
| Noninterest income to average assets | 0.8077% | 1,594 |
| Noninterest expense to average assets | 2.5495% | 3,911 |
| Loan and lease loss provision to assets | 0.0235% | 3,378 |
| Net operating income to assets | 0.8436% | 3,015 |
| Return on assets (ROA) | 0.8462% | 3,135 |
| Pretax return on assets | 1.1099% | 3,057 |
| Return on Equity (ROE) | 9.1553% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.1553% | 1,064 |
| Net charge-offs to loans | 0.0109% | 2,757 |
| Credit loss provision to net charge-offs | 375.0000% | 738 |
| Earnings coverage of net charge-offs (x) | 180.4000% | 339 |
| Efficiency ratio | 69.2910% | 3,252 |
| Assets per employee ($millions) | 5.4573% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 3,639 |
| Loan loss allowance to noncurrent loans | 190.1729% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 4,132 |
| Noncurrent loans to loans | 0.6172% | 3,320 |
| Net loans and leases to total assets | 56.3240% | 4,217 |
| Net loans and leases to deposits | 64.0543% | 4,438 |
| Net loans and leases to core deposits | 66.5309% | 4,503 |
| Total domestic deposits to total assets | 87.9316% | 1,680 |
| Equity capital to assets | 9.3506% | 4,838 |
| Core capital (leverage) ratio | 8.6576% | 5,223 |
| Tier 1 risk-based capital ratio | 13.1398% | 4,170 |
| Total risk-based capital ratio | 14.1814% | 4,222 |
| Memoranda: | ||
| Average total assets | $1,277,267,500 | 573 |
| Average earning assets | $1,188,461,000 | 565 |
| Average equity | $118,051,500 | 680 |
| Average total loans | $735,757,500 | 676 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4747% | 4,996 |
| Cost of funding earning assets | 0.1980% | 5,300 |
| Net interest margin | 3.2766% | 4,385 |
| Noninterest income to average assets | 0.8630% | 1,559 |
| Noninterest expense to average assets | 2.7906% | 3,271 |
| Loan and lease loss provision to assets | 0.0025% | 4,337 |
| Net operating income to assets | 0.8360% | 3,178 |
| Return on assets (ROA) | 0.8681% | 3,105 |
| Pretax return on assets | 1.1438% | 2,865 |
| Return on Equity (ROE) | 9.2350% | 2,355 |
| Retained earnings to average equity (ytd only) | 2.0140% | 4,584 |
| Net charge-offs to loans | -0.0964% | 5,763 |
| Credit loss provision to net charge-offs | -4.4776% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6597% | 2,956 |
| Assets per employee ($millions) | 5.3662% | 1,935 |
| Cash dividends to net income (ytd only)* | 78.1920% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 3,587 |
| Loan loss allowance to noncurrent loans | 392.9904% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 4,887 |
| Noncurrent loans to loans | 0.3004% | 4,381 |
| Net loans and leases to total assets | 57.5485% | 4,144 |
| Net loans and leases to deposits | 65.4492% | 4,357 |
| Net loans and leases to core deposits | 68.3688% | 4,415 |
| Total domestic deposits to total assets | 87.9285% | 1,670 |
| Equity capital to assets | 9.1307% | 4,989 |
| Core capital (leverage) ratio | 8.6538% | 5,272 |
| Tier 1 risk-based capital ratio | 12.9418% | 4,363 |
| Total risk-based capital ratio | 13.9869% | 4,392 |
| Memoranda: | ||
| Average total assets | $1,214,421,400 | 579 |
| Average earning assets | $1,123,502,800 | 573 |
| Average equity | $114,153,000 | 673 |
| Average total loans | $694,760,800 | 666 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4879% | 5,005 |
| Cost of funding earning assets | 0.2010% | 5,370 |
| Net interest margin | 3.2870% | 4,406 |
| Noninterest income to average assets | 0.8679% | 1,555 |
| Noninterest expense to average assets | 2.7554% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8769% | 3,052 |
| Return on assets (ROA) | 0.9101% | 3,006 |
| Pretax return on assets | 1.1954% | 2,840 |
| Return on Equity (ROE) | 9.6103% | 2,259 |
| Retained earnings to average equity (ytd only) | 3.3862% | 4,059 |
| Net charge-offs to loans | -0.1266% | 5,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5269% | 3,131 |
| Assets per employee ($millions) | 5.2863% | 1,965 |
| Cash dividends to net income (ytd only)* | 64.7646% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 3,772 |
| Loan loss allowance to noncurrent loans | 403.4305% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 5,031 |
| Noncurrent loans to loans | 0.2921% | 4,542 |
| Net loans and leases to total assets | 58.6932% | 4,056 |
| Net loans and leases to deposits | 67.8017% | 4,210 |
| Net loans and leases to core deposits | 71.1608% | 4,261 |
| Total domestic deposits to total assets | 86.5659% | 2,249 |
| Equity capital to assets | 9.5212% | 4,728 |
| Core capital (leverage) ratio | 8.8645% | 5,163 |
| Tier 1 risk-based capital ratio | 13.0734% | 4,392 |
| Total risk-based capital ratio | 14.1172% | 4,430 |
| Memoranda: | ||
| Average total assets | $1,204,103,750 | 589 |
| Average earning assets | $1,113,257,250 | 583 |
| Average equity | $114,028,000 | 678 |
| Average total loans | $685,634,500 | 677 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4774% | 5,048 |
| Cost of funding earning assets | 0.2029% | 5,410 |
| Net interest margin | 3.2745% | 4,399 |
| Noninterest income to average assets | 0.8626% | 1,564 |
| Noninterest expense to average assets | 2.7455% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8773% | 3,002 |
| Return on assets (ROA) | 0.9107% | 2,944 |
| Pretax return on assets | 1.1870% | 2,830 |
| Return on Equity (ROE) | 9.6346% | 2,234 |
| Retained earnings to average equity (ytd only) | 1.8459% | 4,774 |
| Net charge-offs to loans | -0.1963% | 6,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6021% | 3,242 |
| Assets per employee ($millions) | 5.1878% | 2,049 |
| Cash dividends to net income (ytd only)* | 80.8405% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 3,493 |
| Loan loss allowance to noncurrent loans | 344.6851% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 5,043 |
| Noncurrent loans to loans | 0.3634% | 4,405 |
| Net loans and leases to total assets | 56.0385% | 4,330 |
| Net loans and leases to deposits | 64.0912% | 4,523 |
| Net loans and leases to core deposits | 67.6132% | 4,523 |
| Total domestic deposits to total assets | 87.4356% | 1,941 |
| Equity capital to assets | 9.2891% | 4,906 |
| Core capital (leverage) ratio | 8.9044% | 5,094 |
| Tier 1 risk-based capital ratio | 13.3394% | 4,323 |
| Total risk-based capital ratio | 14.4242% | 4,335 |
| Memoranda: | ||
| Average total assets | $1,196,661,330 | 589 |
| Average earning assets | $1,105,888,670 | 580 |
| Average equity | $113,113,670 | 689 |
| Average total loans | $671,374,000 | 695 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4217% | 5,160 |
| Cost of funding earning assets | 0.2054% | 5,460 |
| Net interest margin | 3.2163% | 4,546 |
| Noninterest income to average assets | 0.8389% | 1,576 |
| Noninterest expense to average assets | 2.6699% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8382% | 3,069 |
| Return on assets (ROA) | 0.9044% | 2,848 |
| Pretax return on assets | 1.2323% | 2,542 |
| Return on Equity (ROE) | 9.4848% | 2,222 |
| Retained earnings to average equity (ytd only) | 5.4858% | 2,788 |
| Net charge-offs to loans | -0.0060% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0485% | 3,479 |
| Assets per employee ($millions) | 5.2816% | 2,017 |
| Cash dividends to net income (ytd only)* | 42.1620% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 4,119 |
| Loan loss allowance to noncurrent loans | 151.8929% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 4,314 |
| Noncurrent loans to loans | 0.7740% | 3,318 |
| Net loans and leases to total assets | 54.9738% | 4,322 |
| Net loans and leases to deposits | 62.7622% | 4,500 |
| Net loans and leases to core deposits | 65.8470% | 4,533 |
| Total domestic deposits to total assets | 87.5905% | 2,049 |
| Equity capital to assets | 9.5117% | 4,741 |
| Core capital (leverage) ratio | 9.0259% | 4,922 |
| Tier 1 risk-based capital ratio | 13.5662% | 4,291 |
| Total risk-based capital ratio | 14.5812% | 4,325 |
| Memoranda: | ||
| Average total assets | $1,190,611,500 | 591 |
| Average earning assets | $1,100,381,000 | 581 |
| Average equity | $113,529,000 | 678 |
| Average total loans | $664,078,500 | 706 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6365% | 4,977 |
| Cost of funding earning assets | 0.2344% | 5,474 |
| Net interest margin | 3.4021% | 4,191 |
| Noninterest income to average assets | 0.9325% | 1,407 |
| Noninterest expense to average assets | 2.8482% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8903% | 2,924 |
| Return on assets (ROA) | 0.9323% | 2,802 |
| Pretax return on assets | 1.2490% | 2,444 |
| Return on Equity (ROE) | 9.8994% | 2,163 |
| Retained earnings to average equity (ytd only) | 3.2251% | 3,938 |
| Net charge-offs to loans | 0.1060% | 2,996 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 20.2587% | 1,732 |
| Efficiency ratio | 70.4888% | 3,457 |
| Assets per employee ($millions) | 4.8805% | 2,485 |
| Cash dividends to net income (ytd only)* | 67.4212% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 3,905 |
| Loan loss allowance to noncurrent loans | 144.8603% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 4,238 |
| Noncurrent loans to loans | 0.8395% | 3,214 |
| Net loans and leases to total assets | 55.2508% | 4,415 |
| Net loans and leases to deposits | 63.1696% | 4,614 |
| Net loans and leases to core deposits | 66.6535% | 4,624 |
| Total domestic deposits to total assets | 87.4642% | 2,054 |
| Equity capital to assets | 9.5600% | 4,642 |
| Core capital (leverage) ratio | 9.1558% | 4,743 |
| Tier 1 risk-based capital ratio | 13.3639% | 4,491 |
| Total risk-based capital ratio | 14.3774% | 4,562 |
| Memoranda: | ||
| Average total assets | $1,122,985,400 | 602 |
| Average earning assets | $1,025,950,800 | 598 |
| Average equity | $105,764,200 | 688 |
| Average total loans | $623,479,800 | 702 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 4,946 |
| Cost of funding earning assets | 0.2431% | 5,476 |
| Net interest margin | 3.4261% | 4,123 |
| Noninterest income to average assets | 0.9507% | 1,364 |
| Noninterest expense to average assets | 2.8891% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8786% | 3,029 |
| Return on assets (ROA) | 0.9255% | 2,887 |
| Pretax return on assets | 1.2474% | 2,584 |
| Return on Equity (ROE) | 9.8661% | 2,281 |
| Retained earnings to average equity (ytd only) | 3.5720% | 4,105 |
| Net charge-offs to loans | 0.0731% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 29.2098% | 1,394 |
| Efficiency ratio | 70.9370% | 3,350 |
| Assets per employee ($millions) | 4.7124% | 2,651 |
| Cash dividends to net income (ytd only)* | 63.7953% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 3,485 |
| Loan loss allowance to noncurrent loans | 139.5943% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 4,139 |
| Noncurrent loans to loans | 0.9551% | 3,172 |
| Net loans and leases to total assets | 54.2514% | 4,548 |
| Net loans and leases to deposits | 62.5646% | 4,690 |
| Net loans and leases to core deposits | 66.0751% | 4,701 |
| Total domestic deposits to total assets | 86.7126% | 2,472 |
| Equity capital to assets | 9.5413% | 4,741 |
| Core capital (leverage) ratio | 9.2492% | 4,711 |
| Tier 1 risk-based capital ratio | 14.2357% | 4,060 |
| Total risk-based capital ratio | 15.3828% | 4,057 |
| Memoranda: | ||
| Average total assets | $1,112,119,500 | 606 |
| Average earning assets | $1,013,406,250 | 600 |
| Average equity | $104,327,250 | 699 |
| Average total loans | $616,248,250 | 705 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6521% | 5,002 |
| Cost of funding earning assets | 0.2468% | 5,518 |
| Net interest margin | 3.4053% | 4,150 |
| Noninterest income to average assets | 0.8857% | 1,537 |
| Noninterest expense to average assets | 2.8915% | 3,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8183% | 3,242 |
| Return on assets (ROA) | 0.8909% | 2,953 |
| Pretax return on assets | 1.1896% | 2,707 |
| Return on Equity (ROE) | 9.5524% | 2,352 |
| Retained earnings to average equity (ytd only) | 1.2722% | 5,240 |
| Net charge-offs to loans | -0.0130% | 5,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5814% | 3,229 |
| Assets per employee ($millions) | 4.6446% | 2,708 |
| Cash dividends to net income (ytd only)* | 86.6815% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 3,378 |
| Loan loss allowance to noncurrent loans | 81.9415% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 3,017 |
| Noncurrent loans to loans | 1.7027% | 2,035 |
| Net loans and leases to total assets | 54.9743% | 4,414 |
| Net loans and leases to deposits | 63.1066% | 4,583 |
| Net loans and leases to core deposits | 66.8820% | 4,563 |
| Total domestic deposits to total assets | 87.1135% | 2,394 |
| Equity capital to assets | 9.5587% | 4,678 |
| Core capital (leverage) ratio | 8.9987% | 5,017 |
| Tier 1 risk-based capital ratio | 13.9251% | 4,298 |
| Total risk-based capital ratio | 15.1235% | 4,283 |
| Memoranda: | ||
| Average total assets | $1,107,401,000 | 608 |
| Average earning assets | $1,007,477,000 | 602 |
| Average equity | $103,282,670 | 706 |
| Average total loans | $615,238,670 | 700 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 5,010 |
| Cost of funding earning assets | 0.2467% | 5,612 |
| Net interest margin | 3.4017% | 4,108 |
| Noninterest income to average assets | 0.8904% | 1,426 |
| Noninterest expense to average assets | 2.9098% | 3,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8183% | 3,060 |
| Return on assets (ROA) | 0.8307% | 3,073 |
| Pretax return on assets | 1.0885% | 2,962 |
| Return on Equity (ROE) | 9.0193% | 2,454 |
| Retained earnings to average equity (ytd only) | 5.1909% | 3,000 |
| Net charge-offs to loans | -0.0170% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0724% | 3,303 |
| Assets per employee ($millions) | 4.7194% | 2,636 |
| Cash dividends to net income (ytd only)* | 42.4467% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 3,657 |
| Loan loss allowance to noncurrent loans | 88.8855% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 3,336 |
| Noncurrent loans to loans | 1.5638% | 2,471 |
| Net loans and leases to total assets | 54.4508% | 4,356 |
| Net loans and leases to deposits | 62.0100% | 4,546 |
| Net loans and leases to core deposits | 65.6475% | 4,530 |
| Total domestic deposits to total assets | 87.8096% | 2,335 |
| Equity capital to assets | 9.2632% | 4,796 |
| Core capital (leverage) ratio | 9.1477% | 4,800 |
| Tier 1 risk-based capital ratio | 13.8830% | 4,407 |
| Total risk-based capital ratio | 15.0680% | 4,406 |
| Memoranda: | ||
| Average total assets | $1,106,069,000 | 614 |
| Average earning assets | $1,005,268,500 | 606 |
| Average equity | $101,870,000 | 714 |
| Average total loans | $613,415,000 | 705 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8419% | 4,653 |
| Cost of funding earning assets | 0.2947% | 5,642 |
| Net interest margin | 3.5472% | 3,700 |
| Noninterest income to average assets | 0.8920% | 1,707 |
| Noninterest expense to average assets | 3.0058% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8677% | 2,935 |
| Return on assets (ROA) | 0.9259% | 2,747 |
| Pretax return on assets | 1.1902% | 2,618 |
| Return on Equity (ROE) | 9.4283% | 2,357 |
| Retained earnings to average equity (ytd only) | 2.2279% | 4,662 |
| Net charge-offs to loans | 0.0366% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 56.4766% | 723 |
| Efficiency ratio | 72.9384% | 3,298 |
| Assets per employee ($millions) | 4.4445% | 3,002 |
| Cash dividends to net income (ytd only)* | 76.3703% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 3,565 |
| Loan loss allowance to noncurrent loans | 159.2847% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 4,355 |
| Noncurrent loans to loans | 0.8895% | 3,765 |
| Net loans and leases to total assets | 54.9180% | 4,474 |
| Net loans and leases to deposits | 62.4645% | 4,678 |
| Net loans and leases to core deposits | 66.0477% | 4,688 |
| Total domestic deposits to total assets | 87.9188% | 2,217 |
| Equity capital to assets | 9.1554% | 4,861 |
| Core capital (leverage) ratio | 9.1145% | 4,837 |
| Tier 1 risk-based capital ratio | 13.8063% | 4,432 |
| Total risk-based capital ratio | 15.0074% | 4,425 |
| Memoranda: | ||
| Average total assets | $1,083,726,800 | 608 |
| Average earning assets | $986,523,400 | 605 |
| Average equity | $106,424,800 | 665 |
| Average total loans | $584,932,800 | 715 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 4,661 |
| Cost of funding earning assets | 0.3063% | 5,677 |
| Net interest margin | 3.5454% | 3,683 |
| Noninterest income to average assets | 0.8858% | 1,806 |
| Noninterest expense to average assets | 3.0072% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8607% | 3,045 |
| Return on assets (ROA) | 0.9393% | 2,754 |
| Pretax return on assets | 1.2076% | 2,664 |
| Return on Equity (ROE) | 9.4052% | 2,441 |
| Retained earnings to average equity (ytd only) | 3.5038% | 4,197 |
| Net charge-offs to loans | 0.0354% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 58.3306% | 770 |
| Efficiency ratio | 73.1024% | 3,205 |
| Assets per employee ($millions) | 4.3995% | 3,051 |
| Cash dividends to net income (ytd only)* | 62.7458% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 3,629 |
| Loan loss allowance to noncurrent loans | 140.5423% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.8445% | 4,007 |
| Noncurrent loans to loans | 1.0410% | 3,720 |
| Net loans and leases to total assets | 54.3101% | 4,560 |
| Net loans and leases to deposits | 62.2819% | 4,718 |
| Net loans and leases to core deposits | 65.5004% | 4,755 |
| Total domestic deposits to total assets | 87.2003% | 2,572 |
| Equity capital to assets | 9.7452% | 4,248 |
| Core capital (leverage) ratio | 9.3645% | 4,586 |
| Tier 1 risk-based capital ratio | 14.1582% | 4,316 |
| Total risk-based capital ratio | 15.3819% | 4,280 |
| Memoranda: | ||
| Average total assets | $1,082,430,000 | 609 |
| Average earning assets | $985,509,500 | 613 |
| Average equity | $108,107,500 | 664 |
| Average total loans | $579,514,750 | 720 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 4,703 |
| Cost of funding earning assets | 0.3200% | 5,661 |
| Net interest margin | 3.5172% | 3,710 |
| Noninterest income to average assets | 0.8909% | 1,843 |
| Noninterest expense to average assets | 2.9743% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8973% | 2,812 |
| Return on assets (ROA) | 1.0180% | 2,375 |
| Pretax return on assets | 1.2758% | 2,383 |
| Return on Equity (ROE) | 10.1123% | 2,158 |
| Retained earnings to average equity (ytd only) | 2.8205% | 4,521 |
| Net charge-offs to loans | 0.0511% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 41.5170% | 907 |
| Efficiency ratio | 72.5646% | 3,378 |
| Assets per employee ($millions) | 4.2058% | 3,343 |
| Cash dividends to net income (ytd only)* | 72.1086% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 3,623 |
| Loan loss allowance to noncurrent loans | 132.8120% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 3,933 |
| Noncurrent loans to loans | 1.1236% | 3,686 |
| Net loans and leases to total assets | 53.9480% | 4,594 |
| Net loans and leases to deposits | 62.0308% | 4,739 |
| Net loans and leases to core deposits | 65.3916% | 4,752 |
| Total domestic deposits to total assets | 86.9697% | 2,838 |
| Equity capital to assets | 9.8700% | 4,096 |
| Core capital (leverage) ratio | 9.1711% | 4,731 |
| Tier 1 risk-based capital ratio | 14.1328% | 4,336 |
| Total risk-based capital ratio | 15.3712% | 4,304 |
| Memoranda: | ||
| Average total assets | $1,085,413,670 | 610 |
| Average earning assets | $989,996,330 | 609 |
| Average equity | $109,272,330 | 653 |
| Average total loans | $575,465,330 | 722 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 5,052 |
| Cost of funding earning assets | 0.3323% | 5,695 |
| Net interest margin | 3.3989% | 4,121 |
| Noninterest income to average assets | 0.8632% | 1,889 |
| Noninterest expense to average assets | 2.9314% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8780% | 2,764 |
| Return on assets (ROA) | 1.1328% | 1,852 |
| Pretax return on assets | 1.3353% | 2,100 |
| Return on Equity (ROE) | 11.1466% | 1,666 |
| Retained earnings to average equity (ytd only) | 7.4621% | 1,958 |
| Net charge-offs to loans | 0.1061% | 2,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 18.7039% | 1,252 |
| Efficiency ratio | 73.8959% | 3,285 |
| Assets per employee ($millions) | 4.3720% | 3,202 |
| Cash dividends to net income (ytd only)* | 33.0547% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 3,821 |
| Loan loss allowance to noncurrent loans | 98.5654% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 3,729 |
| Noncurrent loans to loans | 1.5239% | 3,262 |
| Net loans and leases to total assets | 51.1209% | 4,823 |
| Net loans and leases to deposits | 58.9169% | 4,919 |
| Net loans and leases to core deposits | 62.0830% | 4,948 |
| Total domestic deposits to total assets | 86.7678% | 3,094 |
| Equity capital to assets | 10.0456% | 4,090 |
| Core capital (leverage) ratio | 9.1561% | 4,629 |
| Tier 1 risk-based capital ratio | 14.1310% | 4,406 |
| Total risk-based capital ratio | 15.3619% | 4,377 |
| Memoranda: | ||
| Average total assets | $1,098,187,500 | 611 |
| Average earning assets | $1,002,792,500 | 602 |
| Average equity | $111,604,000 | 650 |
| Average total loans | $572,979,000 | 731 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8867% | 5,612 |
| Cost of funding earning assets | 0.4045% | 5,887 |
| Net interest margin | 3.4822% | 4,578 |
| Noninterest income to average assets | 0.8269% | 2,147 |
| Noninterest expense to average assets | 3.1780% | 2,686 |
| Loan and lease loss provision to assets | 0.1069% | 4,299 |
| Net operating income to assets | 0.5586% | 4,437 |
| Return on assets (ROA) | 0.7323% | 3,841 |
| Pretax return on assets | 0.9152% | 3,872 |
| Return on Equity (ROE) | 6.9071% | 3,695 |
| Retained earnings to average equity (ytd only) | 0.3448% | 5,679 |
| Net charge-offs to loans | 0.2838% | 3,242 |
| Credit loss provision to net charge-offs | 74.1231% | 4,038 |
| Earnings coverage of net charge-offs (x) | 5.5791% | 3,001 |
| Efficiency ratio | 79.7968% | 2,173 |
| Assets per employee ($millions) | 4.1927% | 3,561 |
| Cash dividends to net income (ytd only)* | 95.0078% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 3,541 |
| Loan loss allowance to noncurrent loans | 108.7262% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.2690% | 3,529 |
| Noncurrent loans to loans | 1.4224% | 3,465 |
| Net loans and leases to total assets | 51.6445% | 4,969 |
| Net loans and leases to deposits | 60.1134% | 5,018 |
| Net loans and leases to core deposits | 63.4879% | 5,018 |
| Total domestic deposits to total assets | 85.9117% | 3,395 |
| Equity capital to assets | 10.2822% | 3,785 |
| Core capital (leverage) ratio | 9.2450% | 4,506 |
| Tier 1 risk-based capital ratio | 14.0161% | 4,372 |
| Total risk-based capital ratio | 15.2664% | 4,335 |
| Memoranda: | ||
| Average total assets | $1,047,692,600 | 630 |
| Average earning assets | $949,491,600 | 629 |
| Average equity | $111,073,600 | 642 |
| Average total loans | $532,370,400 | 775 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9180% | 5,745 |
| Cost of funding earning assets | 0.4206% | 5,980 |
| Net interest margin | 3.4974% | 4,657 |
| Noninterest income to average assets | 0.8166% | 2,169 |
| Noninterest expense to average assets | 3.0998% | 2,891 |
| Loan and lease loss provision to assets | 0.1438% | 3,735 |
| Net operating income to assets | 0.6003% | 4,393 |
| Return on assets (ROA) | 0.8253% | 3,561 |
| Pretax return on assets | 1.0196% | 3,639 |
| Return on Equity (ROE) | 7.7237% | 3,410 |
| Retained earnings to average equity (ytd only) | 3.9712% | 4,089 |
| Net charge-offs to loans | 0.4117% | 2,450 |
| Credit loss provision to net charge-offs | 69.3498% | 3,923 |
| Earnings coverage of net charge-offs (x) | 4.2687% | 3,356 |
| Efficiency ratio | 77.7828% | 2,421 |
| Assets per employee ($millions) | 4.0863% | 3,709 |
| Cash dividends to net income (ytd only)* | 48.5838% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 3,527 |
| Loan loss allowance to noncurrent loans | 84.8689% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.5857% | 3,219 |
| Noncurrent loans to loans | 1.8824% | 2,978 |
| Net loans and leases to total assets | 51.2559% | 5,148 |
| Net loans and leases to deposits | 60.4054% | 5,157 |
| Net loans and leases to core deposits | 63.9198% | 5,156 |
| Total domestic deposits to total assets | 84.8531% | 3,811 |
| Equity capital to assets | 10.8681% | 3,422 |
| Core capital (leverage) ratio | 9.7165% | 3,930 |
| Tier 1 risk-based capital ratio | 15.2503% | 3,671 |
| Total risk-based capital ratio | 16.5012% | 3,624 |
| Memoranda: | ||
| Average total assets | $1,038,141,500 | 636 |
| Average earning assets | $940,556,500 | 635 |
| Average equity | $110,928,500 | 641 |
| Average total loans | $523,059,250 | 794 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 5,851 |
| Cost of funding earning assets | 0.4374% | 6,055 |
| Net interest margin | 3.4874% | 4,729 |
| Noninterest income to average assets | 0.8257% | 2,076 |
| Noninterest expense to average assets | 3.1000% | 2,928 |
| Loan and lease loss provision to assets | 0.2163% | 2,908 |
| Net operating income to assets | 0.5277% | 4,687 |
| Return on assets (ROA) | 0.8591% | 3,363 |
| Pretax return on assets | 1.0793% | 3,379 |
| Return on Equity (ROE) | 8.0867% | 3,222 |
| Retained earnings to average equity (ytd only) | 4.5015% | 3,612 |
| Net charge-offs to loans | 0.6003% | 1,814 |
| Credit loss provision to net charge-offs | 72.3514% | 3,506 |
| Earnings coverage of net charge-offs (x) | 2.9464% | 3,566 |
| Efficiency ratio | 77.8710% | 2,476 |
| Assets per employee ($millions) | 4.0239% | 3,821 |
| Cash dividends to net income (ytd only)* | 44.3345% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 3,279 |
| Loan loss allowance to noncurrent loans | 79.7237% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.8467% | 2,973 |
| Noncurrent loans to loans | 2.1165% | 2,803 |
| Net loans and leases to total assets | 49.0409% | 5,478 |
| Net loans and leases to deposits | 57.5841% | 5,498 |
| Net loans and leases to core deposits | 60.9127% | 5,500 |
| Total domestic deposits to total assets | 85.1639% | 3,790 |
| Equity capital to assets | 10.6471% | 3,515 |
| Core capital (leverage) ratio | 9.5831% | 4,027 |
| Tier 1 risk-based capital ratio | 15.4823% | 3,453 |
| Total risk-based capital ratio | 16.7336% | 3,419 |
| Memoranda: | ||
| Average total assets | $1,035,487,670 | 640 |
| Average earning assets | $936,861,330 | 644 |
| Average equity | $110,007,330 | 644 |
| Average total loans | $515,781,000 | 807 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 5,948 |
| Cost of funding earning assets | 0.4587% | 6,089 |
| Net interest margin | 3.4720% | 4,823 |
| Noninterest income to average assets | 0.7856% | 2,232 |
| Noninterest expense to average assets | 2.9806% | 3,331 |
| Loan and lease loss provision to assets | 0.2325% | 2,619 |
| Net operating income to assets | 0.5549% | 4,564 |
| Return on assets (ROA) | 0.9165% | 3,061 |
| Pretax return on assets | 1.1840% | 2,966 |
| Return on Equity (ROE) | 8.6369% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.6369% | 1,720 |
| Net charge-offs to loans | 0.8580% | 1,196 |
| Credit loss provision to net charge-offs | 54.4465% | 3,212 |
| Earnings coverage of net charge-offs (x) | 2.2169% | 3,282 |
| Efficiency ratio | 75.8930% | 2,804 |
| Assets per employee ($millions) | 4.1035% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 3,285 |
| Loan loss allowance to noncurrent loans | 65.7720% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.9855% | 2,918 |
| Noncurrent loans to loans | 2.6078% | 2,491 |
| Net loans and leases to total assets | 47.4510% | 5,628 |
| Net loans and leases to deposits | 55.3581% | 5,668 |
| Net loans and leases to core deposits | 58.3572% | 5,684 |
| Total domestic deposits to total assets | 85.7164% | 3,679 |
| Equity capital to assets | 10.4629% | 3,537 |
| Core capital (leverage) ratio | 9.7242% | 3,741 |
| Tier 1 risk-based capital ratio | 15.5475% | 3,416 |
| Total risk-based capital ratio | 16.7988% | 3,393 |
| Memoranda: | ||
| Average total assets | $1,032,135,500 | 645 |
| Average earning assets | $933,980,000 | 645 |
| Average equity | $109,529,500 | 644 |
| Average total loans | $513,735,500 | 811 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 5,469 |
| Cost of funding earning assets | 0.5642% | 6,268 |
| Net interest margin | 3.8251% | 3,699 |
| Noninterest income to average assets | 0.9153% | 1,622 |
| Noninterest expense to average assets | 3.3898% | 2,269 |
| Loan and lease loss provision to assets | 0.3218% | 3,109 |
| Net operating income to assets | 0.5925% | 4,041 |
| Return on assets (ROA) | 0.7260% | 3,532 |
| Pretax return on assets | 0.8026% | 3,972 |
| Return on Equity (ROE) | 6.6538% | 3,561 |
| Retained earnings to average equity (ytd only) | 0.0708% | 5,803 |
| Net charge-offs to loans | 0.6152% | 2,608 |
| Credit loss provision to net charge-offs | 93.3951% | 3,859 |
| Earnings coverage of net charge-offs (x) | 2.8323% | 3,795 |
| Efficiency ratio | 77.6006% | 2,646 |
| Assets per employee ($millions) | 3.8992% | 4,076 |
| Cash dividends to net income (ytd only)* | 98.9362% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 2,969 |
| Loan loss allowance to noncurrent loans | 80.2162% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 2.0020% | 2,957 |
| Noncurrent loans to loans | 2.2043% | 2,943 |
| Net loans and leases to total assets | 50.4156% | 5,535 |
| Net loans and leases to deposits | 59.6476% | 5,531 |
| Net loans and leases to core deposits | 62.3830% | 5,613 |
| Total domestic deposits to total assets | 84.5225% | 4,079 |
| Equity capital to assets | 10.7664% | 3,231 |
| Core capital (leverage) ratio | 9.7929% | 3,617 |
| Tier 1 risk-based capital ratio | 15.2939% | 3,456 |
| Total risk-based capital ratio | 16.5451% | 3,410 |
| Memoranda: | ||
| Average total assets | $971,060,800 | 675 |
| Average earning assets | $875,942,000 | 672 |
| Average equity | $105,954,600 | 650 |
| Average total loans | $543,863,400 | 774 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 5,349 |
| Cost of funding earning assets | 0.5860% | 6,346 |
| Net interest margin | 3.8832% | 3,467 |
| Noninterest income to average assets | 0.8898% | 1,686 |
| Noninterest expense to average assets | 3.2427% | 2,684 |
| Loan and lease loss provision to assets | 0.3089% | 3,054 |
| Net operating income to assets | 0.6928% | 3,660 |
| Return on assets (ROA) | 0.8209% | 3,223 |
| Pretax return on assets | 0.9962% | 3,419 |
| Return on Equity (ROE) | 7.4972% | 3,280 |
| Retained earnings to average equity (ytd only) | 3.0570% | 4,505 |
| Net charge-offs to loans | 0.8176% | 1,933 |
| Credit loss provision to net charge-offs | 66.0042% | 4,606 |
| Earnings coverage of net charge-offs (x) | 2.4545% | 3,900 |
| Efficiency ratio | 73.7820% | 3,224 |
| Assets per employee ($millions) | 3.7739% | 4,356 |
| Cash dividends to net income (ytd only)* | 59.2255% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,933 |
| Loan loss allowance to noncurrent loans | 73.6734% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 2.1583% | 2,956 |
| Noncurrent loans to loans | 2.0845% | 3,263 |
| Net loans and leases to total assets | 53.8659% | 5,181 |
| Net loans and leases to deposits | 64.0628% | 5,161 |
| Net loans and leases to core deposits | 66.9000% | 5,323 |
| Total domestic deposits to total assets | 84.0830% | 4,191 |
| Equity capital to assets | 11.0524% | 3,087 |
| Core capital (leverage) ratio | 9.6055% | 3,983 |
| Tier 1 risk-based capital ratio | 15.1242% | 3,594 |
| Total risk-based capital ratio | 16.3746% | 3,563 |
| Memoranda: | ||
| Average total assets | $960,379,250 | 690 |
| Average earning assets | $866,006,250 | 687 |
| Average equity | $105,156,250 | 660 |
| Average total loans | $549,752,500 | 773 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5082% | 5,326 |
| Cost of funding earning assets | 0.6117% | 6,400 |
| Net interest margin | 3.8966% | 3,323 |
| Noninterest income to average assets | 0.9217% | 1,579 |
| Noninterest expense to average assets | 3.3275% | 2,467 |
| Loan and lease loss provision to assets | 0.3098% | 2,933 |
| Net operating income to assets | 0.6793% | 3,644 |
| Return on assets (ROA) | 0.7551% | 3,395 |
| Pretax return on assets | 0.8876% | 3,665 |
| Return on Equity (ROE) | 6.9188% | 3,483 |
| Retained earnings to average equity (ytd only) | 0.1790% | 5,769 |
| Net charge-offs to loans | 1.0452% | 1,506 |
| Credit loss provision to net charge-offs | 51.0028% | 4,558 |
| Earnings coverage of net charge-offs (x) | 1.8240% | 3,954 |
| Efficiency ratio | 74.9302% | 3,193 |
| Assets per employee ($millions) | 3.6926% | 4,466 |
| Cash dividends to net income (ytd only)* | 97.4131% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 4,277 |
| Loan loss allowance to noncurrent loans | 51.3834% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.4999% | 2,668 |
| Noncurrent loans to loans | 2.8525% | 2,560 |
| Net loans and leases to total assets | 55.8298% | 5,022 |
| Net loans and leases to deposits | 66.0228% | 4,997 |
| Net loans and leases to core deposits | 68.6278% | 5,226 |
| Total domestic deposits to total assets | 84.5615% | 4,093 |
| Equity capital to assets | 10.8876% | 3,082 |
| Core capital (leverage) ratio | 10.0178% | 3,241 |
| Tier 1 risk-based capital ratio | 14.8293% | 3,595 |
| Total risk-based capital ratio | 16.0780% | 3,561 |
| Memoranda: | ||
| Average total assets | $952,177,330 | 703 |
| Average earning assets | $858,652,670 | 700 |
| Average equity | $103,920,330 | 666 |
| Average total loans | $553,388,000 | 779 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 5,384 |
| Cost of funding earning assets | 0.6430% | 6,411 |
| Net interest margin | 3.8432% | 3,401 |
| Noninterest income to average assets | 0.9383% | 1,511 |
| Noninterest expense to average assets | 3.3205% | 2,493 |
| Loan and lease loss provision to assets | 0.3064% | 2,716 |
| Net operating income to assets | 0.6442% | 3,781 |
| Return on assets (ROA) | 0.6653% | 3,757 |
| Pretax return on assets | 0.8026% | 3,891 |
| Return on Equity (ROE) | 6.0881% | 3,859 |
| Retained earnings to average equity (ytd only) | 2.0345% | 4,914 |
| Net charge-offs to loans | 1.7600% | 745 |
| Credit loss provision to net charge-offs | 29.5798% | 4,128 |
| Earnings coverage of net charge-offs (x) | 1.0461% | 3,878 |
| Efficiency ratio | 75.2111% | 3,298 |
| Assets per employee ($millions) | 3.7157% | 4,503 |
| Cash dividends to net income (ytd only)* | 66.5820% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 4,691 |
| Loan loss allowance to noncurrent loans | 55.4243% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.2617% | 2,990 |
| Noncurrent loans to loans | 2.5158% | 2,970 |
| Net loans and leases to total assets | 56.9784% | 4,804 |
| Net loans and leases to deposits | 66.7358% | 4,871 |
| Net loans and leases to core deposits | 69.7417% | 5,078 |
| Total domestic deposits to total assets | 85.3790% | 3,847 |
| Equity capital to assets | 10.8553% | 2,820 |
| Core capital (leverage) ratio | 10.1489% | 2,979 |
| Tier 1 risk-based capital ratio | 14.8252% | 3,525 |
| Total risk-based capital ratio | 16.0198% | 3,530 |
| Memoranda: | ||
| Average total assets | $946,377,500 | 715 |
| Average earning assets | $853,446,500 | 711 |
| Average equity | $103,414,500 | 668 |
| Average total loans | $557,042,500 | 784 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 5,722 |
| Cost of funding earning assets | 0.8203% | 6,480 |
| Net interest margin | 3.9018% | 3,479 |
| Noninterest income to average assets | 0.7716% | 2,417 |
| Noninterest expense to average assets | 3.3902% | 2,462 |
| Loan and lease loss provision to assets | 0.2005% | 5,230 |
| Net operating income to assets | 0.6170% | 3,597 |
| Return on assets (ROA) | 0.7655% | 3,059 |
| Pretax return on assets | 0.8716% | 3,402 |
| Return on Equity (ROE) | 6.8899% | 3,172 |
| Retained earnings to average equity (ytd only) | 0.6053% | 5,278 |
| Net charge-offs to loans | 0.2450% | 4,819 |
| Credit loss provision to net charge-offs | 134.9466% | 2,889 |
| Earnings coverage of net charge-offs (x) | 6.0783% | 2,447 |
| Efficiency ratio | 78.7797% | 2,566 |
| Assets per employee ($millions) | 3.7068% | 4,447 |
| Cash dividends to net income (ytd only)* | 91.2143% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6753% | 3,309 |
| Loan loss allowance to noncurrent loans | 114.0436% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.7260% | 3,711 |
| Noncurrent loans to loans | 1.4690% | 4,283 |
| Net loans and leases to total assets | 58.9521% | 4,857 |
| Net loans and leases to deposits | 69.7769% | 4,840 |
| Net loans and leases to core deposits | 72.9946% | 5,100 |
| Total domestic deposits to total assets | 84.4864% | 4,118 |
| Equity capital to assets | 11.0009% | 2,685 |
| Core capital (leverage) ratio | 10.0678% | 3,008 |
| Tier 1 risk-based capital ratio | 14.5841% | 3,489 |
| Total risk-based capital ratio | 15.8365% | 3,451 |
| Memoranda: | ||
| Average total assets | $945,598,000 | 709 |
| Average earning assets | $853,503,200 | 710 |
| Average equity | $105,066,800 | 646 |
| Average total loans | $573,552,000 | 782 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 5,925 |
| Cost of funding earning assets | 0.8460% | 6,600 |
| Net interest margin | 3.8797% | 3,610 |
| Noninterest income to average assets | 0.7216% | 2,696 |
| Noninterest expense to average assets | 3.4531% | 2,153 |
| Loan and lease loss provision to assets | 0.2098% | 4,966 |
| Net operating income to assets | 0.5003% | 4,314 |
| Return on assets (ROA) | 0.7013% | 3,563 |
| Pretax return on assets | 0.7866% | 3,961 |
| Return on Equity (ROE) | 6.2963% | 3,677 |
| Retained earnings to average equity (ytd only) | 2.6794% | 4,548 |
| Net charge-offs to loans | 0.3368% | 3,963 |
| Credit loss provision to net charge-offs | 102.4038% | 4,202 |
| Earnings coverage of net charge-offs (x) | 3.7603% | 3,307 |
| Efficiency ratio | 81.5725% | 2,115 |
| Assets per employee ($millions) | 3.7766% | 4,327 |
| Cash dividends to net income (ytd only)* | 57.4438% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 3,744 |
| Loan loss allowance to noncurrent loans | 129.8378% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 1.6452% | 3,974 |
| Noncurrent loans to loans | 1.1914% | 4,861 |
| Net loans and leases to total assets | 59.4741% | 5,009 |
| Net loans and leases to deposits | 70.7312% | 5,045 |
| Net loans and leases to core deposits | 74.4332% | 5,242 |
| Total domestic deposits to total assets | 84.0847% | 4,077 |
| Equity capital to assets | 11.2853% | 2,715 |
| Core capital (leverage) ratio | 10.3041% | 2,911 |
| Tier 1 risk-based capital ratio | 14.6689% | 3,413 |
| Total risk-based capital ratio | 15.9204% | 3,389 |
| Memoranda: | ||
| Average total assets | $947,543,000 | 707 |
| Average earning assets | $855,264,250 | 705 |
| Average equity | $105,541,500 | 631 |
| Average total loans | $576,369,250 | 785 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 5,833 |
| Cost of funding earning assets | 0.8716% | 6,684 |
| Net interest margin | 3.9179% | 3,362 |
| Noninterest income to average assets | 0.9175% | 1,632 |
| Noninterest expense to average assets | 3.5501% | 1,911 |
| Loan and lease loss provision to assets | 0.3160% | 3,851 |
| Net operating income to assets | 0.5649% | 4,016 |
| Return on assets (ROA) | 0.6653% | 3,702 |
| Pretax return on assets | 0.6924% | 4,266 |
| Return on Equity (ROE) | 5.9998% | 3,802 |
| Retained earnings to average equity (ytd only) | 0.5275% | 5,550 |
| Net charge-offs to loans | 0.3765% | 3,478 |
| Credit loss provision to net charge-offs | 137.6731% | 2,911 |
| Earnings coverage of net charge-offs (x) | 3.9372% | 3,116 |
| Efficiency ratio | 79.5327% | 2,504 |
| Assets per employee ($millions) | 3.6872% | 4,508 |
| Cash dividends to net income (ytd only)* | 91.2074% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 3,341 |
| Loan loss allowance to noncurrent loans | 122.5489% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.9644% | 3,536 |
| Noncurrent loans to loans | 1.3270% | 4,734 |
| Net loans and leases to total assets | 60.0695% | 5,045 |
| Net loans and leases to deposits | 71.6824% | 5,044 |
| Net loans and leases to core deposits | 74.6755% | 5,369 |
| Total domestic deposits to total assets | 83.7994% | 4,196 |
| Equity capital to assets | 11.1944% | 2,694 |
| Core capital (leverage) ratio | 10.0874% | 3,082 |
| Tier 1 risk-based capital ratio | 14.6358% | 3,361 |
| Total risk-based capital ratio | 15.8882% | 3,336 |
| Memoranda: | ||
| Average total assets | $943,638,000 | 704 |
| Average earning assets | $851,733,000 | 705 |
| Average equity | $104,637,000 | 629 |
| Average total loans | $575,334,330 | 794 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 6,004 |
| Cost of funding earning assets | 0.9016% | 6,763 |
| Net interest margin | 3.8672% | 3,476 |
| Noninterest income to average assets | 0.8915% | 1,658 |
| Noninterest expense to average assets | 3.6664% | 1,582 |
| Loan and lease loss provision to assets | 0.4599% | 2,668 |
| Net operating income to assets | 0.2911% | 5,332 |
| Return on assets (ROA) | 0.5035% | 4,519 |
| Pretax return on assets | 0.4748% | 5,049 |
| Return on Equity (ROE) | 4.5625% | 4,616 |
| Retained earnings to average equity (ytd only) | 1.6180% | 5,130 |
| Net charge-offs to loans | 0.6348% | 2,236 |
| Credit loss provision to net charge-offs | 118.9278% | 2,934 |
| Earnings coverage of net charge-offs (x) | 1.8676% | 3,611 |
| Efficiency ratio | 83.3687% | 2,092 |
| Assets per employee ($millions) | 3.5925% | 4,840 |
| Cash dividends to net income (ytd only)* | 64.5378% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 3,518 |
| Loan loss allowance to noncurrent loans | 101.8235% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.9330% | 3,585 |
| Noncurrent loans to loans | 1.5559% | 4,409 |
| Net loans and leases to total assets | 58.9490% | 5,291 |
| Net loans and leases to deposits | 69.6493% | 5,397 |
| Net loans and leases to core deposits | 72.2486% | 5,685 |
| Total domestic deposits to total assets | 84.6369% | 3,840 |
| Equity capital to assets | 10.9020% | 2,846 |
| Core capital (leverage) ratio | 10.1090% | 3,033 |
| Tier 1 risk-based capital ratio | 14.5035% | 3,372 |
| Total risk-based capital ratio | 15.7553% | 3,344 |
| Memoranda: | ||
| Average total assets | $945,338,000 | 720 |
| Average earning assets | $854,885,000 | 717 |
| Average equity | $104,328,500 | 636 |
| Average total loans | $575,935,000 | 809 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 6,612 |
| Cost of funding earning assets | 1.0777% | 7,040 |
| Net interest margin | 3.8640% | 3,417 |
| Noninterest income to average assets | 1.0145% | 1,523 |
| Noninterest expense to average assets | 3.4793% | 2,426 |
| Loan and lease loss provision to assets | 0.2419% | 5,447 |
| Net operating income to assets | 0.6942% | 2,958 |
| Return on assets (ROA) | 0.9207% | 2,171 |
| Pretax return on assets | 1.0804% | 2,304 |
| Return on Equity (ROE) | 8.1906% | 2,295 |
| Retained earnings to average equity (ytd only) | 0.2898% | 4,747 |
| Net charge-offs to loans | 0.3276% | 4,598 |
| Credit loss provision to net charge-offs | 115.7431% | 4,701 |
| Earnings coverage of net charge-offs (x) | 5.0502% | 2,703 |
| Efficiency ratio | 76.5477% | 3,430 |
| Assets per employee ($millions) | 3.4499% | 5,129 |
| Cash dividends to net income (ytd only)* | 96.4622% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 3,494 |
| Loan loss allowance to noncurrent loans | 96.9806% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 2.0527% | 3,328 |
| Noncurrent loans to loans | 1.5947% | 4,263 |
| Net loans and leases to total assets | 61.0214% | 5,188 |
| Net loans and leases to deposits | 73.5739% | 5,108 |
| Net loans and leases to core deposits | 84.1333% | 5,699 |
| Total domestic deposits to total assets | 82.9389% | 4,548 |
| Equity capital to assets | 11.1742% | 2,554 |
| Core capital (leverage) ratio | 10.2249% | 2,859 |
| Tier 1 risk-based capital ratio | 14.5757% | 3,161 |
| Total risk-based capital ratio | 15.8273% | 3,114 |
| Memoranda: | ||
| Average total assets | $924,031,000 | 733 |
| Average earning assets | $841,826,600 | 725 |
| Average equity | $103,874,800 | 627 |
| Average total loans | $589,400,800 | 810 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9362% | 6,804 |
| Cost of funding earning assets | 1.1211% | 7,130 |
| Net interest margin | 3.8151% | 3,594 |
| Noninterest income to average assets | 1.0202% | 1,532 |
| Noninterest expense to average assets | 3.5562% | 2,129 |
| Loan and lease loss provision to assets | 0.2646% | 4,846 |
| Net operating income to assets | 0.5814% | 3,670 |
| Return on assets (ROA) | 0.8889% | 2,537 |
| Pretax return on assets | 1.0390% | 2,776 |
| Return on Equity (ROE) | 7.8954% | 2,686 |
| Retained earnings to average equity (ytd only) | 0.6164% | 4,942 |
| Net charge-offs to loans | 0.4292% | 3,536 |
| Credit loss provision to net charge-offs | 95.9622% | 5,302 |
| Earnings coverage of net charge-offs (x) | 3.4305% | 3,535 |
| Efficiency ratio | 78.8105% | 3,031 |
| Assets per employee ($millions) | 3.3992% | 5,166 |
| Cash dividends to net income (ytd only)* | 92.1925% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 3,682 |
| Loan loss allowance to noncurrent loans | 58.2924% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.8504% | 3,584 |
| Noncurrent loans to loans | 2.4915% | 3,025 |
| Net loans and leases to total assets | 62.5024% | 5,161 |
| Net loans and leases to deposits | 75.4414% | 5,134 |
| Net loans and leases to core deposits | 86.6653% | 5,806 |
| Total domestic deposits to total assets | 82.8489% | 4,303 |
| Equity capital to assets | 11.2809% | 2,764 |
| Core capital (leverage) ratio | 10.2902% | 2,983 |
| Tier 1 risk-based capital ratio | 14.7785% | 3,145 |
| Total risk-based capital ratio | 16.0297% | 3,094 |
| Memoranda: | ||
| Average total assets | $922,168,000 | 744 |
| Average earning assets | $841,623,250 | 736 |
| Average equity | $103,822,000 | 638 |
| Average total loans | $592,417,750 | 820 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 6,961 |
| Cost of funding earning assets | 1.1745% | 7,181 |
| Net interest margin | 3.7581% | 3,724 |
| Noninterest income to average assets | 1.0113% | 1,559 |
| Noninterest expense to average assets | 3.5006% | 2,333 |
| Loan and lease loss provision to assets | 0.3097% | 4,094 |
| Net operating income to assets | 0.5199% | 4,021 |
| Return on assets (ROA) | 0.9693% | 2,313 |
| Pretax return on assets | 1.1706% | 2,391 |
| Return on Equity (ROE) | 8.6155% | 2,508 |
| Retained earnings to average equity (ytd only) | -0.1120% | 5,247 |
| Net charge-offs to loans | 0.6198% | 2,484 |
| Credit loss provision to net charge-offs | 77.4457% | 5,268 |
| Earnings coverage of net charge-offs (x) | 2.3484% | 3,889 |
| Efficiency ratio | 78.6665% | 3,242 |
| Assets per employee ($millions) | 3.3807% | 5,112 |
| Cash dividends to net income (ytd only)* | 101.3004% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 3,899 |
| Loan loss allowance to noncurrent loans | 63.8960% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.6116% | 3,792 |
| Noncurrent loans to loans | 2.1407% | 3,322 |
| Net loans and leases to total assets | 62.9933% | 5,187 |
| Net loans and leases to deposits | 75.2590% | 5,283 |
| Net loans and leases to core deposits | 85.2819% | 5,986 |
| Total domestic deposits to total assets | 83.7020% | 3,919 |
| Equity capital to assets | 10.7895% | 3,127 |
| Core capital (leverage) ratio | 10.4136% | 2,891 |
| Tier 1 risk-based capital ratio | 14.6115% | 3,186 |
| Total risk-based capital ratio | 15.7629% | 3,181 |
| Memoranda: | ||
| Average total assets | $920,233,000 | 761 |
| Average earning assets | $839,514,330 | 755 |
| Average equity | $103,534,670 | 644 |
| Average total loans | $593,706,000 | 839 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 6,863 |
| Cost of funding earning assets | 1.2310% | 7,227 |
| Net interest margin | 3.7966% | 3,453 |
| Noninterest income to average assets | 0.9797% | 1,545 |
| Noninterest expense to average assets | 3.5064% | 2,085 |
| Loan and lease loss provision to assets | 0.2878% | 3,653 |
| Net operating income to assets | 0.5144% | 4,358 |
| Return on assets (ROA) | 1.2012% | 1,763 |
| Pretax return on assets | 1.5074% | 1,645 |
| Return on Equity (ROE) | 10.4550% | 2,146 |
| Retained earnings to average equity (ytd only) | 5.6749% | 2,788 |
| Net charge-offs to loans | -0.0738% | 7,806 |
| Credit loss provision to net charge-offs | -600.9174% | 6,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7303% | 3,042 |
| Assets per employee ($millions) | 3.3208% | 5,276 |
| Cash dividends to net income (ytd only)* | 45.7206% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 2,499 |
| Loan loss allowance to noncurrent loans | 76.3706% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 3,921 |
| Noncurrent loans to loans | 2.1005% | 3,116 |
| Net loans and leases to total assets | 63.0615% | 5,149 |
| Net loans and leases to deposits | 75.9428% | 5,232 |
| Net loans and leases to core deposits | 86.4623% | 5,870 |
| Total domestic deposits to total assets | 83.0382% | 4,130 |
| Equity capital to assets | 11.4499% | 2,623 |
| Core capital (leverage) ratio | 10.5737% | 2,844 |
| Tier 1 risk-based capital ratio | 15.3336% | 2,922 |
| Total risk-based capital ratio | 16.5868% | 2,857 |
| Memoranda: | ||
| Average total assets | $910,438,500 | 773 |
| Average earning assets | $830,542,000 | 765 |
| Average equity | $104,601,000 | 636 |
| Average total loans | $590,441,500 | 843 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7309% | 6,676 |
| Cost of funding earning assets | 1.5899% | 7,472 |
| Net interest margin | 4.1410% | 2,533 |
| Noninterest income to average assets | 1.1912% | 1,067 |
| Noninterest expense to average assets | 3.5929% | 2,167 |
| Loan and lease loss provision to assets | 0.1942% | 4,935 |
| Net operating income to assets | 0.9392% | 2,835 |
| Return on assets (ROA) | 1.0683% | 2,178 |
| Pretax return on assets | 1.2948% | 2,326 |
| Return on Equity (ROE) | 8.9197% | 2,669 |
| Retained earnings to average equity (ytd only) | 0.0711% | 5,195 |
| Net charge-offs to loans | 0.0817% | 5,596 |
| Credit loss provision to net charge-offs | 380.8126% | 1,158 |
| Earnings coverage of net charge-offs (x) | 26.1467% | 1,301 |
| Efficiency ratio | 72.6240% | 3,820 |
| Assets per employee ($millions) | 3.2533% | 5,327 |
| Cash dividends to net income (ytd only)* | 99.2026% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 2,936 |
| Loan loss allowance to noncurrent loans | 69.5172% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3724% | 3,444 |
| Noncurrent loans to loans | 2.0831% | 2,653 |
| Net loans and leases to total assets | 64.6696% | 5,137 |
| Net loans and leases to deposits | 78.8015% | 5,226 |
| Net loans and leases to core deposits | 92.0798% | 5,632 |
| Total domestic deposits to total assets | 82.0665% | 4,174 |
| Equity capital to assets | 11.5285% | 2,620 |
| Core capital (leverage) ratio | 10.6401% | 2,873 |
| Tier 1 risk-based capital ratio | 14.9718% | 3,062 |
| Total risk-based capital ratio | 16.2233% | 2,975 |
| Memoranda: | ||
| Average total assets | $868,655,400 | 781 |
| Average earning assets | $783,522,400 | 787 |
| Average equity | $104,039,400 | 647 |
| Average total loans | $542,181,800 | 882 |