Home > The Farmers National Bank of Canfield > Performance and Condition Ratios
The Farmers National Bank of Canfield, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9349% | 2,209 |
| Cost of funding earning assets | 1.6565% | 1,551 |
| Net interest margin | 3.2784% | 2,682 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.1346% | 3,311 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.0580% | 2,045 |
| Return on assets (ROA) | 1.0494% | 2,039 |
| Pretax return on assets | 1.2432% | 2,023 |
| Return on Equity (ROE) | 14.1600% | 1,451 |
| Retained earnings to average equity (ytd only) | 8.5907% | 1,369 |
| Net charge-offs to loans | 0.0748% | 1,115 |
| Credit loss provision to net charge-offs | 386.4805% | 800 |
| Earnings coverage of net charge-offs (x) | 30.9761% | 1,615 |
| Efficiency ratio | 57.7303% | 3,322 |
| Assets per employee ($millions) | 8.1322% | 1,368 |
| Cash dividends to net income (ytd only)* | 39.3329% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 2,953 |
| Loan loss allowance to noncurrent loans | 228.6397% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 1,759 |
| Noncurrent loans to loans | 0.4704% | 1,605 |
| Net loans and leases to total assets | 62.5200% | 2,625 |
| Net loans and leases to deposits | 74.7735% | 2,559 |
| Net loans and leases to core deposits | 79.6470% | 2,723 |
| Total domestic deposits to total assets | 83.6100% | 2,729 |
| Equity capital to assets | 8.3767% | 3,136 |
| Core capital (leverage) ratio | 8.0652% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1336% | 2,541 |
| Memoranda: | ||
| Average total assets | $4,845,223,000 | 281 |
| Average earning assets | $4,314,267,200 | 281 |
| Average equity | $359,086,000 | 341 |
| Average total loans | $3,017,869,600 | 297 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 1,982 |
| Cost of funding earning assets | 1.5710% | 1,433 |
| Net interest margin | 3.3647% | 2,533 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.1836% | 3,123 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 1.0202% | 2,302 |
| Return on assets (ROA) | 1.0083% | 2,328 |
| Pretax return on assets | 1.1787% | 2,348 |
| Return on Equity (ROE) | 14.0900% | 1,634 |
| Retained earnings to average equity (ytd only) | 6.3106% | 2,533 |
| Net charge-offs to loans | 0.0653% | 1,016 |
| Credit loss provision to net charge-offs | 565.3846% | 581 |
| Earnings coverage of net charge-offs (x) | 35.5144% | 1,512 |
| Efficiency ratio | 58.1115% | 3,194 |
| Assets per employee ($millions) | 7.8913% | 1,403 |
| Cash dividends to net income (ytd only)* | 55.2135% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 2,883 |
| Loan loss allowance to noncurrent loans | 189.2041% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 1,548 |
| Noncurrent loans to loans | 0.5793% | 1,384 |
| Net loans and leases to total assets | 63.2700% | 2,531 |
| Net loans and leases to deposits | 68.5602% | 2,938 |
| Net loans and leases to core deposits | 76.8718% | 2,810 |
| Total domestic deposits to total assets | 92.2900% | 405 |
| Equity capital to assets | 6.6555% | 3,770 |
| Core capital (leverage) ratio | 7.7967% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7024% | 2,685 |
| Memoranda: | ||
| Average total assets | $4,789,938,250 | 285 |
| Average earning assets | $4,266,307,500 | 286 |
| Average equity | $342,759,500 | 358 |
| Average total loans | $2,971,877,500 | 303 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9092% | 1,745 |
| Cost of funding earning assets | 1.4585% | 1,317 |
| Net interest margin | 3.4508% | 2,387 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.2315% | 2,988 |
| Loan and lease loss provision to assets | 0.3600% | 244 |
| Net operating income to assets | 0.9551% | 2,564 |
| Return on assets (ROA) | 0.9595% | 2,540 |
| Pretax return on assets | 1.1160% | 2,599 |
| Return on Equity (ROE) | 13.0900% | 1,882 |
| Retained earnings to average equity (ytd only) | 7.3265% | 2,181 |
| Net charge-offs to loans | 0.0736% | 835 |
| Credit loss provision to net charge-offs | 752.3364% | 496 |
| Earnings coverage of net charge-offs (x) | 32.6383% | 1,510 |
| Efficiency ratio | 57.8079% | 3,212 |
| Assets per employee ($millions) | 7.5277% | 1,593 |
| Cash dividends to net income (ytd only)* | 44.0257% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 2,930 |
| Loan loss allowance to noncurrent loans | 194.6814% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 1,492 |
| Noncurrent loans to loans | 0.5687% | 1,317 |
| Net loans and leases to total assets | 61.8200% | 2,592 |
| Net loans and leases to deposits | 72.2419% | 2,633 |
| Net loans and leases to core deposits | 76.2275% | 2,745 |
| Total domestic deposits to total assets | 85.5700% | 2,371 |
| Equity capital to assets | 7.6071% | 3,462 |
| Core capital (leverage) ratio | 7.7004% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7055% | 2,710 |
| Memoranda: | ||
| Average total assets | $4,734,670,333 | 277 |
| Average earning assets | $4,229,949,667 | 279 |
| Average equity | $347,069,000 | 341 |
| Average total loans | $2,905,682,000 | 298 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 1,251 |
| Cost of funding earning assets | 1.3288% | 1,172 |
| Net interest margin | 3.6570% | 2,000 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.4712% | 2,318 |
| Loan and lease loss provision to assets | 0.7500% | 93 |
| Net operating income to assets | 0.6478% | 3,587 |
| Return on assets (ROA) | 0.6574% | 3,518 |
| Pretax return on assets | 0.7314% | 3,604 |
| Return on Equity (ROE) | 9.1600% | 3,004 |
| Retained earnings to average equity (ytd only) | 9.1585% | 1,896 |
| Net charge-offs to loans | 0.0390% | 972 |
| Credit loss provision to net charge-offs | 3,064.5756% | 143 |
| Earnings coverage of net charge-offs (x) | 62.1624% | 1,001 |
| Efficiency ratio | 60.6818% | 2,862 |
| Assets per employee ($millions) | 8.1927% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 2,844 |
| Loan loss allowance to noncurrent loans | 200.5178% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 1,454 |
| Noncurrent loans to loans | 0.5694% | 1,306 |
| Net loans and leases to total assets | 61.2900% | 2,534 |
| Net loans and leases to deposits | 70.1391% | 2,599 |
| Net loans and leases to core deposits | 74.3154% | 2,651 |
| Total domestic deposits to total assets | 87.3800% | 2,142 |
| Equity capital to assets | 7.7705% | 3,397 |
| Core capital (leverage) ratio | 7.5206% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6327% | 2,822 |
| Memoranda: | ||
| Average total assets | $4,576,470,500 | 295 |
| Average earning assets | $4,102,371,000 | 295 |
| Average equity | $328,483,000 | 371 |
| Average total loans | $2,779,824,500 | 314 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 2,306 |
| Cost of funding earning assets | 0.3873% | 2,197 |
| Net interest margin | 3.4028% | 2,249 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.0479% | 3,449 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.3672% | 1,220 |
| Return on assets (ROA) | 1.3595% | 1,203 |
| Pretax return on assets | 1.6336% | 1,074 |
| Return on Equity (ROE) | 17.4800% | 784 |
| Retained earnings to average equity (ytd only) | 8.1050% | 1,789 |
| Net charge-offs to loans | 0.1124% | 669 |
| Credit loss provision to net charge-offs | 9.4056% | 1,958 |
| Earnings coverage of net charge-offs (x) | 25.8506% | 1,763 |
| Efficiency ratio | 53.8404% | 3,808 |
| Assets per employee ($millions) | 7.4456% | 1,657 |
| Cash dividends to net income (ytd only)* | 53.6346% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 2,781 |
| Loan loss allowance to noncurrent loans | 182.2468% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 1,408 |
| Noncurrent loans to loans | 0.6154% | 1,214 |
| Net loans and leases to total assets | 58.5100% | 2,773 |
| Net loans and leases to deposits | 64.8450% | 2,970 |
| Net loans and leases to core deposits | 70.5197% | 2,839 |
| Total domestic deposits to total assets | 90.2300% | 1,266 |
| Equity capital to assets | 6.4357% | 3,923 |
| Core capital (leverage) ratio | 8.7563% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6280% | 2,113 |
| Memoranda: | ||
| Average total assets | $4,114,181,400 | 309 |
| Average earning assets | $3,742,372,200 | 307 |
| Average equity | $319,975,200 | 372 |
| Average total loans | $2,365,444,200 | 328 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 2,100 |
| Cost of funding earning assets | 0.2388% | 2,831 |
| Net interest margin | 3.4416% | 1,837 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.0813% | 3,261 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3869% | 1,124 |
| Return on assets (ROA) | 1.3869% | 1,096 |
| Pretax return on assets | 1.6595% | 979 |
| Return on Equity (ROE) | 17.1100% | 772 |
| Retained earnings to average equity (ytd only) | 5.1497% | 3,046 |
| Net charge-offs to loans | 0.1182% | 531 |
| Credit loss provision to net charge-offs | -0.7180% | 4,606 |
| Earnings coverage of net charge-offs (x) | 24.9239% | 1,615 |
| Efficiency ratio | 54.2578% | 3,800 |
| Assets per employee ($millions) | 8.1523% | 1,245 |
| Cash dividends to net income (ytd only)* | 69.8942% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,855 |
| Loan loss allowance to noncurrent loans | 210.2497% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 1,675 |
| Noncurrent loans to loans | 0.5402% | 1,458 |
| Net loans and leases to total assets | 57.9100% | 2,712 |
| Net loans and leases to deposits | 64.5693% | 2,820 |
| Net loans and leases to core deposits | 68.0240% | 2,800 |
| Total domestic deposits to total assets | 89.6900% | 1,789 |
| Equity capital to assets | 5.5984% | 4,099 |
| Core capital (leverage) ratio | 8.4435% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1106% | 2,424 |
| Memoranda: | ||
| Average total assets | $4,126,401,000 | 307 |
| Average earning assets | $3,760,844,000 | 304 |
| Average equity | $334,561,500 | 360 |
| Average total loans | $2,355,403,500 | 327 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 1,941 |
| Cost of funding earning assets | 0.1583% | 3,477 |
| Net interest margin | 3.4091% | 1,574 |
| Noninterest income to average assets | 0.6413% | 1,580 |
| Noninterest expense to average assets | 2.2046% | 2,841 |
| Loan and lease loss provision to assets | 0.0125% | 2,373 |
| Net operating income to assets | 1.3008% | 1,137 |
| Return on assets (ROA) | 1.3008% | 1,117 |
| Pretax return on assets | 1.5426% | 1,061 |
| Return on Equity (ROE) | 14.5547% | 988 |
| Retained earnings to average equity (ytd only) | -1.6809% | 4,359 |
| Net charge-offs to loans | 0.1268% | 493 |
| Credit loss provision to net charge-offs | -30.1887% | 3,005 |
| Earnings coverage of net charge-offs (x) | 21.6658% | 1,518 |
| Efficiency ratio | 57.6062% | 3,613 |
| Assets per employee ($millions) | 8.2608% | 1,168 |
| Cash dividends to net income (ytd only)* | 111.5490% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,909 |
| Loan loss allowance to noncurrent loans | 194.6126% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 1,628 |
| Noncurrent loans to loans | 0.5934% | 1,423 |
| Net loans and leases to total assets | 57.3476% | 2,595 |
| Net loans and leases to deposits | 62.8108% | 2,824 |
| Net loans and leases to core deposits | 65.8509% | 2,834 |
| Total domestic deposits to total assets | 91.3023% | 1,104 |
| Equity capital to assets | 6.8136% | 3,862 |
| Core capital (leverage) ratio | 8.1748% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8315% | 2,556 |
| Memoranda: | ||
| Average total assets | $4,134,993,000 | 306 |
| Average earning assets | $3,782,423,333 | 305 |
| Average equity | $369,558,667 | 337 |
| Average total loans | $2,339,830,000 | 321 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 1,843 |
| Cost of funding earning assets | 0.1307% | 3,761 |
| Net interest margin | 3.3594% | 1,414 |
| Noninterest income to average assets | 0.6357% | 1,552 |
| Noninterest expense to average assets | 2.5458% | 1,769 |
| Loan and lease loss provision to assets | -0.0345% | 4,489 |
| Net operating income to assets | 1.0382% | 1,731 |
| Return on assets (ROA) | 1.0382% | 1,728 |
| Pretax return on assets | 1.2051% | 1,791 |
| Return on Equity (ROE) | 10.3976% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.3976% | 928 |
| Net charge-offs to loans | 0.2483% | 252 |
| Credit loss provision to net charge-offs | -64.5385% | 2,839 |
| Earnings coverage of net charge-offs (x) | 8.4358% | 1,512 |
| Efficiency ratio | 67.4630% | 2,571 |
| Assets per employee ($millions) | 7.8776% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,002 |
| Loan loss allowance to noncurrent loans | 192.3323% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 1,767 |
| Noncurrent loans to loans | 0.6089% | 1,537 |
| Net loans and leases to total assets | 54.5002% | 2,695 |
| Net loans and leases to deposits | 60.3081% | 2,876 |
| Net loans and leases to core deposits | 63.1299% | 2,875 |
| Total domestic deposits to total assets | 90.3696% | 1,346 |
| Equity capital to assets | 8.9841% | 2,724 |
| Core capital (leverage) ratio | 8.7248% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7121% | 2,339 |
| Memoranda: | ||
| Average total assets | $4,153,823,000 | 306 |
| Average earning assets | $3,809,232,500 | 310 |
| Average equity | $414,750,000 | 306 |
| Average total loans | $2,321,156,000 | 323 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 2,200 |
| Cost of funding earning assets | 0.2382% | 3,063 |
| Net interest margin | 3.4290% | 1,937 |
| Noninterest income to average assets | 0.7730% | 1,527 |
| Noninterest expense to average assets | 2.0824% | 3,432 |
| Loan and lease loss provision to assets | 0.1436% | 830 |
| Net operating income to assets | 1.4479% | 1,140 |
| Return on assets (ROA) | 1.4683% | 1,147 |
| Pretax return on assets | 1.7625% | 997 |
| Return on Equity (ROE) | 13.9180% | 1,211 |
| Retained earnings to average equity (ytd only) | 1.2266% | 4,199 |
| Net charge-offs to loans | 0.0418% | 1,435 |
| Credit loss provision to net charge-offs | 539.3271% | 769 |
| Earnings coverage of net charge-offs (x) | 74.3724% | 1,042 |
| Efficiency ratio | 51.6970% | 4,142 |
| Assets per employee ($millions) | 7.4994% | 1,618 |
| Cash dividends to net income (ytd only)* | 91.1873% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,579 |
| Loan loss allowance to noncurrent loans | 181.4511% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 1,652 |
| Noncurrent loans to loans | 0.6934% | 1,451 |
| Net loans and leases to total assets | 55.9118% | 2,624 |
| Net loans and leases to deposits | 63.3669% | 2,747 |
| Net loans and leases to core deposits | 65.7943% | 2,838 |
| Total domestic deposits to total assets | 88.2351% | 1,917 |
| Equity capital to assets | 10.9996% | 1,791 |
| Core capital (leverage) ratio | 9.1884% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5953% | 2,413 |
| Memoranda: | ||
| Average total assets | $3,407,296,000 | 342 |
| Average earning assets | $3,170,645,800 | 336 |
| Average equity | $359,461,800 | 350 |
| Average total loans | $2,063,460,200 | 356 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 2,165 |
| Cost of funding earning assets | 0.2673% | 2,931 |
| Net interest margin | 3.4758% | 1,939 |
| Noninterest income to average assets | 0.8143% | 1,478 |
| Noninterest expense to average assets | 1.9224% | 3,887 |
| Loan and lease loss provision to assets | -0.0195% | 4,355 |
| Net operating income to assets | 1.7766% | 698 |
| Return on assets (ROA) | 1.8049% | 687 |
| Pretax return on assets | 2.1923% | 552 |
| Return on Equity (ROE) | 17.3450% | 715 |
| Retained earnings to average equity (ytd only) | -0.7633% | 4,645 |
| Net charge-offs to loans | 0.0367% | 1,348 |
| Credit loss provision to net charge-offs | -165.5738% | 3,340 |
| Earnings coverage of net charge-offs (x) | 94.2914% | 897 |
| Efficiency ratio | 46.5552% | 4,471 |
| Assets per employee ($millions) | 8.2314% | 1,165 |
| Cash dividends to net income (ytd only)* | 104.4007% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,896 |
| Loan loss allowance to noncurrent loans | 156.9249% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 1,694 |
| Noncurrent loans to loans | 0.7774% | 1,456 |
| Net loans and leases to total assets | 56.7584% | 2,642 |
| Net loans and leases to deposits | 64.3080% | 2,816 |
| Net loans and leases to core deposits | 67.3754% | 2,827 |
| Total domestic deposits to total assets | 88.2602% | 1,683 |
| Equity capital to assets | 9.8528% | 3,049 |
| Core capital (leverage) ratio | 8.2466% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2945% | 2,616 |
| Memoranda: | ||
| Average total assets | $3,227,958,000 | 355 |
| Average earning assets | $3,014,791,000 | 350 |
| Average equity | $335,903,500 | 367 |
| Average total loans | $1,995,437,000 | 365 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 2,160 |
| Cost of funding earning assets | 0.3015% | 2,766 |
| Net interest margin | 3.4633% | 1,967 |
| Noninterest income to average assets | 0.8626% | 1,371 |
| Noninterest expense to average assets | 1.9564% | 3,821 |
| Loan and lease loss provision to assets | 0.0297% | 2,382 |
| Net operating income to assets | 1.7355% | 821 |
| Return on assets (ROA) | 1.7552% | 831 |
| Pretax return on assets | 2.1340% | 649 |
| Return on Equity (ROE) | 16.5643% | 846 |
| Retained earnings to average equity (ytd only) | 12.0755% | 898 |
| Net charge-offs to loans | 0.0259% | 1,430 |
| Credit loss provision to net charge-offs | 180.6084% | 1,088 |
| Earnings coverage of net charge-offs (x) | 130.3194% | 645 |
| Efficiency ratio | 46.9770% | 4,463 |
| Assets per employee ($millions) | 7.9112% | 1,255 |
| Cash dividends to net income (ytd only)* | 27.0994% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,609 |
| Loan loss allowance to noncurrent loans | 178.8078% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 1,906 |
| Noncurrent loans to loans | 0.7072% | 1,671 |
| Net loans and leases to total assets | 59.7119% | 2,460 |
| Net loans and leases to deposits | 69.4450% | 2,471 |
| Net loans and leases to core deposits | 72.8354% | 2,534 |
| Total domestic deposits to total assets | 85.9844% | 2,745 |
| Equity capital to assets | 10.7882% | 2,156 |
| Core capital (leverage) ratio | 8.9682% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4171% | 2,199 |
| Memoranda: | ||
| Average total assets | $3,203,681,667 | 354 |
| Average earning assets | $2,991,094,000 | 345 |
| Average equity | $339,465,000 | 361 |
| Average total loans | $2,028,379,333 | 361 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 2,269 |
| Cost of funding earning assets | 0.3306% | 2,703 |
| Net interest margin | 3.4051% | 2,094 |
| Noninterest income to average assets | 0.8903% | 1,357 |
| Noninterest expense to average assets | 1.9851% | 3,766 |
| Loan and lease loss provision to assets | 0.0534% | 2,040 |
| Net operating income to assets | 1.6672% | 994 |
| Return on assets (ROA) | 1.7067% | 976 |
| Pretax return on assets | 2.0771% | 833 |
| Return on Equity (ROE) | 16.2568% | 970 |
| Retained earnings to average equity (ytd only) | 11.7139% | 1,223 |
| Net charge-offs to loans | 0.0163% | 1,417 |
| Credit loss provision to net charge-offs | 505.9524% | 589 |
| Earnings coverage of net charge-offs (x) | 197.3095% | 402 |
| Efficiency ratio | 48.0077% | 4,340 |
| Assets per employee ($millions) | 8.1767% | 1,116 |
| Cash dividends to net income (ytd only)* | 27.9446% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,805 |
| Loan loss allowance to noncurrent loans | 214.2182% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 2,393 |
| Noncurrent loans to loans | 0.5703% | 2,148 |
| Net loans and leases to total assets | 60.8790% | 2,418 |
| Net loans and leases to deposits | 70.9001% | 2,429 |
| Net loans and leases to core deposits | 82.9734% | 1,755 |
| Total domestic deposits to total assets | 85.8659% | 2,785 |
| Equity capital to assets | 10.0298% | 2,679 |
| Core capital (leverage) ratio | 8.9879% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0518% | 2,273 |
| Memoranda: | ||
| Average total assets | $3,183,724,500 | 354 |
| Average earning assets | $2,970,571,000 | 347 |
| Average equity | $334,235,000 | 360 |
| Average total loans | $2,061,759,500 | 358 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 1,821 |
| Cost of funding earning assets | 0.6074% | 2,262 |
| Net interest margin | 3.7095% | 1,766 |
| Noninterest income to average assets | 0.9541% | 1,136 |
| Noninterest expense to average assets | 2.2989% | 3,402 |
| Loan and lease loss provision to assets | 0.3254% | 1,118 |
| Net operating income to assets | 1.4754% | 864 |
| Return on assets (ROA) | 1.4622% | 975 |
| Pretax return on assets | 1.7592% | 748 |
| Return on Equity (ROE) | 13.3457% | 952 |
| Retained earnings to average equity (ytd only) | 3.9964% | 2,825 |
| Net charge-offs to loans | 0.0709% | 1,783 |
| Credit loss provision to net charge-offs | 630.6306% | 1,071 |
| Earnings coverage of net charge-offs (x) | 40.7069% | 1,378 |
| Efficiency ratio | 51.4050% | 4,427 |
| Assets per employee ($millions) | 7.5083% | 1,279 |
| Cash dividends to net income (ytd only)* | 70.0545% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,627 |
| Loan loss allowance to noncurrent loans | 160.0578% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 2,219 |
| Noncurrent loans to loans | 0.6643% | 2,024 |
| Net loans and leases to total assets | 67.4237% | 1,899 |
| Net loans and leases to deposits | 78.6133% | 2,013 |
| Net loans and leases to core deposits | 92.2057% | 1,373 |
| Total domestic deposits to total assets | 85.7663% | 2,468 |
| Equity capital to assets | 11.0059% | 2,250 |
| Core capital (leverage) ratio | 9.0957% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7596% | 2,326 |
| Memoranda: | ||
| Average total assets | $2,796,458,200 | 363 |
| Average earning assets | $2,597,338,400 | 360 |
| Average equity | $306,397,400 | 359 |
| Average total loans | $2,036,611,800 | 348 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 1,896 |
| Cost of funding earning assets | 0.6735% | 2,179 |
| Net interest margin | 3.7085% | 1,915 |
| Noninterest income to average assets | 0.9128% | 1,188 |
| Noninterest expense to average assets | 2.3282% | 3,348 |
| Loan and lease loss provision to assets | 0.2977% | 1,354 |
| Net operating income to assets | 1.4367% | 1,019 |
| Return on assets (ROA) | 1.4489% | 1,090 |
| Pretax return on assets | 1.7442% | 881 |
| Return on Equity (ROE) | 13.2404% | 1,045 |
| Retained earnings to average equity (ytd only) | 2.1611% | 3,870 |
| Net charge-offs to loans | 0.0820% | 1,484 |
| Credit loss provision to net charge-offs | 489.5666% | 1,303 |
| Earnings coverage of net charge-offs (x) | 33.3347% | 1,503 |
| Efficiency ratio | 52.5741% | 4,288 |
| Assets per employee ($millions) | 7.1239% | 1,415 |
| Cash dividends to net income (ytd only)* | 83.6781% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,083 |
| Loan loss allowance to noncurrent loans | 163.3392% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 2,575 |
| Noncurrent loans to loans | 0.5497% | 2,421 |
| Net loans and leases to total assets | 71.8617% | 1,687 |
| Net loans and leases to deposits | 83.8809% | 1,924 |
| Net loans and leases to core deposits | 99.0385% | 1,240 |
| Total domestic deposits to total assets | 85.6711% | 2,189 |
| Equity capital to assets | 11.0094% | 2,391 |
| Core capital (leverage) ratio | 9.0125% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4248% | 2,448 |
| Memoranda: | ||
| Average total assets | $2,731,602,500 | 361 |
| Average earning assets | $2,535,880,000 | 356 |
| Average equity | $298,915,250 | 363 |
| Average total loans | $2,025,131,500 | 349 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 1,811 |
| Cost of funding earning assets | 0.7663% | 2,014 |
| Net interest margin | 3.7712% | 1,914 |
| Noninterest income to average assets | 0.8917% | 1,189 |
| Noninterest expense to average assets | 2.4107% | 3,236 |
| Loan and lease loss provision to assets | 0.2640% | 1,609 |
| Net operating income to assets | 1.4398% | 1,036 |
| Return on assets (ROA) | 1.4559% | 1,094 |
| Pretax return on assets | 1.7314% | 928 |
| Return on Equity (ROE) | 13.3344% | 1,023 |
| Retained earnings to average equity (ytd only) | -1.2012% | 4,502 |
| Net charge-offs to loans | 0.1036% | 1,243 |
| Credit loss provision to net charge-offs | 340.7984% | 1,537 |
| Earnings coverage of net charge-offs (x) | 25.5141% | 1,550 |
| Efficiency ratio | 54.0538% | 4,172 |
| Assets per employee ($millions) | 6.9678% | 1,453 |
| Cash dividends to net income (ytd only)* | 109.0085% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 4,367 |
| Loan loss allowance to noncurrent loans | 138.7321% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 2,596 |
| Noncurrent loans to loans | 0.5678% | 2,454 |
| Net loans and leases to total assets | 74.4024% | 1,358 |
| Net loans and leases to deposits | 87.3090% | 1,627 |
| Net loans and leases to core deposits | 100.6167% | 1,215 |
| Total domestic deposits to total assets | 85.2174% | 2,298 |
| Equity capital to assets | 11.1336% | 2,222 |
| Core capital (leverage) ratio | 9.0755% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0258% | 2,595 |
| Memoranda: | ||
| Average total assets | $2,651,912,333 | 364 |
| Average earning assets | $2,457,779,000 | 359 |
| Average equity | $289,536,333 | 369 |
| Average total loans | $1,982,136,333 | 351 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7056% | 1,691 |
| Cost of funding earning assets | 0.9033% | 1,847 |
| Net interest margin | 3.8023% | 1,967 |
| Noninterest income to average assets | 0.8467% | 1,170 |
| Noninterest expense to average assets | 2.5995% | 2,981 |
| Loan and lease loss provision to assets | 0.1731% | 1,704 |
| Net operating income to assets | 1.3206% | 1,185 |
| Return on assets (ROA) | 1.3538% | 1,179 |
| Pretax return on assets | 1.6305% | 991 |
| Return on Equity (ROE) | 12.5394% | 975 |
| Retained earnings to average equity (ytd only) | -18.1249% | 4,936 |
| Net charge-offs to loans | 0.1339% | 925 |
| Credit loss provision to net charge-offs | 173.2283% | 1,496 |
| Earnings coverage of net charge-offs (x) | 17.6535% | 1,485 |
| Efficiency ratio | 58.6341% | 3,921 |
| Assets per employee ($millions) | 6.2128% | 1,509 |
| Cash dividends to net income (ytd only)* | 244.5439% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 4,506 |
| Loan loss allowance to noncurrent loans | 126.2305% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 2,662 |
| Noncurrent loans to loans | 0.5984% | 2,498 |
| Net loans and leases to total assets | 74.0555% | 1,592 |
| Net loans and leases to deposits | 87.1766% | 1,842 |
| Net loans and leases to core deposits | 102.4988% | 1,285 |
| Total domestic deposits to total assets | 84.9488% | 2,434 |
| Equity capital to assets | 10.9075% | 2,940 |
| Core capital (leverage) ratio | 9.3417% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2937% | 3,008 |
| Memoranda: | ||
| Average total assets | $2,542,492,000 | 364 |
| Average earning assets | $2,351,330,500 | 359 |
| Average equity | $274,495,000 | 388 |
| Average total loans | $1,896,769,500 | 350 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6266% | 2,530 |
| Cost of funding earning assets | 0.8846% | 2,262 |
| Net interest margin | 3.7421% | 2,686 |
| Noninterest income to average assets | 0.8282% | 1,365 |
| Noninterest expense to average assets | 2.4397% | 3,593 |
| Loan and lease loss provision to assets | 0.1032% | 2,003 |
| Net operating income to assets | 1.4492% | 1,192 |
| Return on assets (ROA) | 1.4489% | 1,257 |
| Pretax return on assets | 1.7508% | 1,068 |
| Return on Equity (ROE) | 13.2249% | 1,104 |
| Retained earnings to average equity (ytd only) | 0.1953% | 4,632 |
| Net charge-offs to loans | 0.0877% | 1,864 |
| Credit loss provision to net charge-offs | 157.5563% | 1,636 |
| Earnings coverage of net charge-offs (x) | 28.3183% | 1,631 |
| Efficiency ratio | 55.8616% | 4,221 |
| Assets per employee ($millions) | 5.9032% | 1,710 |
| Cash dividends to net income (ytd only)* | 98.5234% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 4,305 |
| Loan loss allowance to noncurrent loans | 228.2855% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 3,383 |
| Noncurrent loans to loans | 0.3498% | 3,195 |
| Net loans and leases to total assets | 73.9893% | 1,755 |
| Net loans and leases to deposits | 88.3833% | 1,788 |
| Net loans and leases to core deposits | 102.5314% | 1,355 |
| Total domestic deposits to total assets | 83.7141% | 2,945 |
| Equity capital to assets | 10.6750% | 3,282 |
| Core capital (leverage) ratio | 9.0561% | 4,482 |
| Tier 1 risk-based capital ratio | 11.1909% | 4,780 |
| Total risk-based capital ratio | 11.9502% | 4,873 |
| Memoranda: | ||
| Average total assets | $2,374,560,800 | 362 |
| Average earning assets | $2,199,354,600 | 356 |
| Average equity | $260,145,000 | 383 |
| Average total loans | $1,772,775,800 | 360 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6363% | 2,612 |
| Cost of funding earning assets | 0.9039% | 2,212 |
| Net interest margin | 3.7324% | 2,816 |
| Noninterest income to average assets | 0.8035% | 1,406 |
| Noninterest expense to average assets | 2.4499% | 3,568 |
| Loan and lease loss provision to assets | 0.1045% | 1,844 |
| Net operating income to assets | 1.4185% | 1,416 |
| Return on assets (ROA) | 1.4177% | 1,475 |
| Pretax return on assets | 1.7028% | 1,331 |
| Return on Equity (ROE) | 12.8553% | 1,337 |
| Retained earnings to average equity (ytd only) | 7.9796% | 1,402 |
| Net charge-offs to loans | 0.0893% | 1,575 |
| Credit loss provision to net charge-offs | 156.6469% | 1,581 |
| Earnings coverage of net charge-offs (x) | 27.1058% | 1,723 |
| Efficiency ratio | 56.5654% | 4,110 |
| Assets per employee ($millions) | 5.8667% | 1,700 |
| Cash dividends to net income (ytd only)* | 37.9279% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 4,414 |
| Loan loss allowance to noncurrent loans | 211.3054% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 3,420 |
| Noncurrent loans to loans | 0.3779% | 3,201 |
| Net loans and leases to total assets | 73.4771% | 1,922 |
| Net loans and leases to deposits | 86.5736% | 2,124 |
| Net loans and leases to core deposits | 101.5125% | 1,548 |
| Total domestic deposits to total assets | 84.8724% | 2,468 |
| Equity capital to assets | 11.4258% | 2,713 |
| Core capital (leverage) ratio | 9.7533% | 3,906 |
| Tier 1 risk-based capital ratio | 12.0656% | 4,386 |
| Total risk-based capital ratio | 12.8202% | 4,534 |
| Memoranda: | ||
| Average total assets | $2,360,175,250 | 364 |
| Average earning assets | $2,184,644,000 | 360 |
| Average equity | $260,274,500 | 386 |
| Average total loans | $1,762,474,000 | 364 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 2,624 |
| Cost of funding earning assets | 0.8917% | 2,192 |
| Net interest margin | 3.7258% | 2,852 |
| Noninterest income to average assets | 0.7713% | 1,436 |
| Noninterest expense to average assets | 2.4622% | 3,589 |
| Loan and lease loss provision to assets | 0.1110% | 1,685 |
| Net operating income to assets | 1.3892% | 1,460 |
| Return on assets (ROA) | 1.3868% | 1,528 |
| Pretax return on assets | 1.6455% | 1,410 |
| Return on Equity (ROE) | 12.7328% | 1,326 |
| Retained earnings to average equity (ytd only) | 7.8746% | 1,440 |
| Net charge-offs to loans | 0.0764% | 1,604 |
| Credit loss provision to net charge-offs | 194.0299% | 1,248 |
| Earnings coverage of net charge-offs (x) | 30.7642% | 1,440 |
| Efficiency ratio | 57.3424% | 4,089 |
| Assets per employee ($millions) | 5.6504% | 1,825 |
| Cash dividends to net income (ytd only)* | 38.1547% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 4,445 |
| Loan loss allowance to noncurrent loans | 196.1114% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,307 |
| Noncurrent loans to loans | 0.4071% | 3,076 |
| Net loans and leases to total assets | 74.1116% | 1,870 |
| Net loans and leases to deposits | 88.1584% | 1,986 |
| Net loans and leases to core deposits | 104.4156% | 1,350 |
| Total domestic deposits to total assets | 84.0664% | 2,834 |
| Equity capital to assets | 11.1778% | 2,885 |
| Core capital (leverage) ratio | 9.6080% | 4,028 |
| Tier 1 risk-based capital ratio | 11.7899% | 4,527 |
| Total risk-based capital ratio | 12.5457% | 4,681 |
| Memoranda: | ||
| Average total assets | $2,343,158,670 | 366 |
| Average earning assets | $2,169,906,670 | 363 |
| Average equity | $255,199,000 | 391 |
| Average total loans | $1,754,645,670 | 365 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 2,603 |
| Cost of funding earning assets | 0.8696% | 2,158 |
| Net interest margin | 3.7106% | 2,854 |
| Noninterest income to average assets | 0.7344% | 1,483 |
| Noninterest expense to average assets | 2.4210% | 3,714 |
| Loan and lease loss provision to assets | 0.0947% | 1,841 |
| Net operating income to assets | 1.3855% | 1,418 |
| Return on assets (ROA) | 1.3806% | 1,464 |
| Pretax return on assets | 1.6484% | 1,350 |
| Return on Equity (ROE) | 12.8497% | 1,268 |
| Retained earnings to average equity (ytd only) | 8.0423% | 1,642 |
| Net charge-offs to loans | 0.0838% | 1,260 |
| Credit loss provision to net charge-offs | 150.6849% | 1,229 |
| Earnings coverage of net charge-offs (x) | 27.8219% | 1,371 |
| Efficiency ratio | 57.0544% | 4,213 |
| Assets per employee ($millions) | 5.6150% | 1,871 |
| Cash dividends to net income (ytd only)* | 37.4127% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 4,553 |
| Loan loss allowance to noncurrent loans | 181.8026% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 3,269 |
| Noncurrent loans to loans | 0.4341% | 3,025 |
| Net loans and leases to total assets | 74.1458% | 1,773 |
| Net loans and leases to deposits | 88.3953% | 1,822 |
| Net loans and leases to core deposits | 102.1838% | 1,450 |
| Total domestic deposits to total assets | 83.8799% | 3,088 |
| Equity capital to assets | 10.8949% | 2,957 |
| Core capital (leverage) ratio | 9.4495% | 4,198 |
| Tier 1 risk-based capital ratio | 11.6788% | 4,637 |
| Total risk-based capital ratio | 12.4237% | 4,804 |
| Memoranda: | ||
| Average total assets | $2,322,494,500 | 372 |
| Average earning assets | $2,150,379,000 | 368 |
| Average equity | $249,532,000 | 398 |
| Average total loans | $1,741,267,000 | 371 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 2,552 |
| Cost of funding earning assets | 0.6409% | 2,457 |
| Net interest margin | 3.8283% | 2,566 |
| Noninterest income to average assets | 0.7464% | 1,662 |
| Noninterest expense to average assets | 2.4836% | 3,657 |
| Loan and lease loss provision to assets | 0.1353% | 1,596 |
| Net operating income to assets | 1.4119% | 1,384 |
| Return on assets (ROA) | 1.4227% | 1,355 |
| Pretax return on assets | 1.6776% | 1,223 |
| Return on Equity (ROE) | 13.7118% | 1,125 |
| Retained earnings to average equity (ytd only) | 10.2942% | 573 |
| Net charge-offs to loans | 0.1045% | 1,715 |
| Credit loss provision to net charge-offs | 174.1149% | 1,611 |
| Earnings coverage of net charge-offs (x) | 23.1695% | 1,863 |
| Efficiency ratio | 56.9170% | 4,291 |
| Assets per employee ($millions) | 5.5375% | 1,921 |
| Cash dividends to net income (ytd only)* | 24.9247% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 4,596 |
| Loan loss allowance to noncurrent loans | 175.8117% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 3,214 |
| Noncurrent loans to loans | 0.4451% | 2,943 |
| Net loans and leases to total assets | 74.6265% | 1,817 |
| Net loans and leases to deposits | 95.4802% | 1,123 |
| Net loans and leases to core deposits | 105.1897% | 1,325 |
| Total domestic deposits to total assets | 78.1591% | 4,461 |
| Equity capital to assets | 10.5917% | 3,090 |
| Core capital (leverage) ratio | 9.3179% | 4,341 |
| Tier 1 risk-based capital ratio | 11.5128% | 4,723 |
| Total risk-based capital ratio | 12.2565% | 4,867 |
| Memoranda: | ||
| Average total assets | $2,217,636,800 | 384 |
| Average earning assets | $2,049,134,400 | 381 |
| Average equity | $230,100,400 | 407 |
| Average total loans | $1,649,334,800 | 379 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 2,566 |
| Cost of funding earning assets | 0.5786% | 2,637 |
| Net interest margin | 3.8415% | 2,494 |
| Noninterest income to average assets | 0.7412% | 1,710 |
| Noninterest expense to average assets | 2.4832% | 3,643 |
| Loan and lease loss provision to assets | 0.1504% | 1,308 |
| Net operating income to assets | 1.4066% | 1,462 |
| Return on assets (ROA) | 1.4053% | 1,464 |
| Pretax return on assets | 1.6531% | 1,403 |
| Return on Equity (ROE) | 13.6179% | 1,231 |
| Retained earnings to average equity (ytd only) | 8.9883% | 1,220 |
| Net charge-offs to loans | 0.1158% | 1,348 |
| Credit loss provision to net charge-offs | 175.1592% | 1,530 |
| Earnings coverage of net charge-offs (x) | 21.0291% | 1,933 |
| Efficiency ratio | 56.8373% | 4,272 |
| Assets per employee ($millions) | 5.4883% | 1,924 |
| Cash dividends to net income (ytd only)* | 33.9962% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 4,655 |
| Loan loss allowance to noncurrent loans | 145.0553% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 3,064 |
| Noncurrent loans to loans | 0.5449% | 2,745 |
| Net loans and leases to total assets | 73.8991% | 2,002 |
| Net loans and leases to deposits | 95.1245% | 1,252 |
| Net loans and leases to core deposits | 102.5530% | 1,561 |
| Total domestic deposits to total assets | 77.6867% | 4,532 |
| Equity capital to assets | 10.0847% | 3,556 |
| Core capital (leverage) ratio | 9.1263% | 4,593 |
| Tier 1 risk-based capital ratio | 11.2935% | 4,900 |
| Total risk-based capital ratio | 12.0439% | 5,031 |
| Memoranda: | ||
| Average total assets | $2,194,759,000 | 386 |
| Average earning assets | $2,026,612,250 | 381 |
| Average equity | $226,481,250 | 409 |
| Average total loans | $1,627,461,500 | 382 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 2,541 |
| Cost of funding earning assets | 0.5178% | 2,869 |
| Net interest margin | 3.8429% | 2,407 |
| Noninterest income to average assets | 0.7337% | 1,720 |
| Noninterest expense to average assets | 2.4590% | 3,748 |
| Loan and lease loss provision to assets | 0.1406% | 1,391 |
| Net operating income to assets | 1.4113% | 1,395 |
| Return on assets (ROA) | 1.4113% | 1,397 |
| Pretax return on assets | 1.6827% | 1,260 |
| Return on Equity (ROE) | 13.5686% | 1,189 |
| Retained earnings to average equity (ytd only) | 9.0782% | 1,187 |
| Net charge-offs to loans | 0.1340% | 1,118 |
| Credit loss provision to net charge-offs | 141.7286% | 1,632 |
| Earnings coverage of net charge-offs (x) | 18.3773% | 1,904 |
| Efficiency ratio | 56.3360% | 4,435 |
| Assets per employee ($millions) | 5.2820% | 2,118 |
| Cash dividends to net income (ytd only)* | 33.0938% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7778% | 4,758 |
| Loan loss allowance to noncurrent loans | 151.8439% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 3,224 |
| Noncurrent loans to loans | 0.5123% | 2,882 |
| Net loans and leases to total assets | 73.3934% | 2,060 |
| Net loans and leases to deposits | 98.3738% | 942 |
| Net loans and leases to core deposits | 104.3472% | 1,370 |
| Total domestic deposits to total assets | 74.6067% | 4,989 |
| Equity capital to assets | 10.3080% | 3,332 |
| Core capital (leverage) ratio | 9.1437% | 4,526 |
| Tier 1 risk-based capital ratio | 11.3215% | 4,883 |
| Total risk-based capital ratio | 12.0560% | 5,043 |
| Memoranda: | ||
| Average total assets | $2,168,956,670 | 393 |
| Average earning assets | $2,002,851,670 | 386 |
| Average equity | $225,594,670 | 410 |
| Average total loans | $1,605,786,330 | 384 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 2,533 |
| Cost of funding earning assets | 0.4666% | 3,072 |
| Net interest margin | 3.8295% | 2,303 |
| Noninterest income to average assets | 0.7214% | 1,739 |
| Noninterest expense to average assets | 2.4608% | 3,774 |
| Loan and lease loss provision to assets | 0.1446% | 1,293 |
| Net operating income to assets | 1.3959% | 1,356 |
| Return on assets (ROA) | 1.3959% | 1,362 |
| Pretax return on assets | 1.6483% | 1,248 |
| Return on Equity (ROE) | 13.3593% | 1,170 |
| Retained earnings to average equity (ytd only) | 8.8961% | 1,498 |
| Net charge-offs to loans | 0.1360% | 991 |
| Credit loss provision to net charge-offs | 143.5185% | 1,258 |
| Earnings coverage of net charge-offs (x) | 17.7981% | 1,562 |
| Efficiency ratio | 56.7450% | 4,490 |
| Assets per employee ($millions) | 5.2407% | 2,205 |
| Cash dividends to net income (ytd only)* | 33.4091% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7847% | 4,824 |
| Loan loss allowance to noncurrent loans | 159.0016% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 3,347 |
| Noncurrent loans to loans | 0.4935% | 3,035 |
| Net loans and leases to total assets | 73.8449% | 1,882 |
| Net loans and leases to deposits | 96.6453% | 964 |
| Net loans and leases to core deposits | 102.0397% | 1,526 |
| Total domestic deposits to total assets | 76.4081% | 4,927 |
| Equity capital to assets | 10.3907% | 3,177 |
| Core capital (leverage) ratio | 9.0516% | 4,624 |
| Tier 1 risk-based capital ratio | 11.2935% | 4,984 |
| Total risk-based capital ratio | 12.0359% | 5,146 |
| Memoranda: | ||
| Average total assets | $2,144,223,500 | 397 |
| Average earning assets | $1,977,807,500 | 397 |
| Average equity | $224,054,000 | 416 |
| Average total loans | $1,588,209,000 | 390 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,575 |
| Cost of funding earning assets | 0.3568% | 3,646 |
| Net interest margin | 3.8750% | 2,166 |
| Noninterest income to average assets | 0.7695% | 1,696 |
| Noninterest expense to average assets | 2.6057% | 3,427 |
| Loan and lease loss provision to assets | 0.1625% | 1,376 |
| Net operating income to assets | 1.0626% | 2,007 |
| Return on assets (ROA) | 1.0625% | 2,030 |
| Pretax return on assets | 1.5723% | 1,373 |
| Return on Equity (ROE) | 10.3620% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.3620% | 1,351 |
| Net charge-offs to loans | 0.1254% | 1,796 |
| Credit loss provision to net charge-offs | 177.5305% | 1,523 |
| Earnings coverage of net charge-offs (x) | 18.9534% | 2,049 |
| Efficiency ratio | 58.9121% | 4,425 |
| Assets per employee ($millions) | 5.2445% | 2,207 |
| Cash dividends to net income (ytd only)* | 38.6020% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 4,881 |
| Loan loss allowance to noncurrent loans | 160.0182% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 3,393 |
| Noncurrent loans to loans | 0.4880% | 3,057 |
| Net loans and leases to total assets | 73.1324% | 2,074 |
| Net loans and leases to deposits | 97.2433% | 973 |
| Net loans and leases to core deposits | 102.0252% | 1,552 |
| Total domestic deposits to total assets | 75.2056% | 5,069 |
| Equity capital to assets | 10.5079% | 3,163 |
| Core capital (leverage) ratio | 9.1192% | 4,500 |
| Tier 1 risk-based capital ratio | 11.4542% | 4,881 |
| Total risk-based capital ratio | 12.1886% | 5,067 |
| Memoranda: | ||
| Average total assets | $2,061,388,200 | 398 |
| Average earning assets | $1,899,776,400 | 395 |
| Average equity | $211,378,800 | 421 |
| Average total loans | $1,504,783,000 | 391 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 2,602 |
| Cost of funding earning assets | 0.3393% | 3,781 |
| Net interest margin | 3.8654% | 2,165 |
| Noninterest income to average assets | 0.7746% | 1,684 |
| Noninterest expense to average assets | 2.6421% | 3,278 |
| Loan and lease loss provision to assets | 0.1926% | 999 |
| Net operating income to assets | 1.1063% | 2,062 |
| Return on assets (ROA) | 1.1061% | 2,116 |
| Pretax return on assets | 1.5024% | 1,758 |
| Return on Equity (ROE) | 10.8574% | 1,753 |
| Retained earnings to average equity (ytd only) | 7.1276% | 1,624 |
| Net charge-offs to loans | 0.1523% | 1,333 |
| Credit loss provision to net charge-offs | 173.7338% | 1,506 |
| Earnings coverage of net charge-offs (x) | 15.2886% | 2,240 |
| Efficiency ratio | 59.8049% | 4,253 |
| Assets per employee ($millions) | 5.2645% | 2,157 |
| Cash dividends to net income (ytd only)* | 34.3527% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 4,951 |
| Loan loss allowance to noncurrent loans | 175.4203% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 3,721 |
| Noncurrent loans to loans | 0.4447% | 3,372 |
| Net loans and leases to total assets | 71.8531% | 2,272 |
| Net loans and leases to deposits | 95.4324% | 1,160 |
| Net loans and leases to core deposits | 99.4836% | 1,750 |
| Total domestic deposits to total assets | 75.2922% | 5,099 |
| Equity capital to assets | 10.3517% | 3,535 |
| Core capital (leverage) ratio | 9.1622% | 4,557 |
| Tier 1 risk-based capital ratio | 11.4111% | 5,007 |
| Total risk-based capital ratio | 12.1410% | 5,197 |
| Memoranda: | ||
| Average total assets | $2,041,794,750 | 402 |
| Average earning assets | $1,881,921,750 | 400 |
| Average equity | $208,012,500 | 425 |
| Average total loans | $1,486,685,250 | 394 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 2,479 |
| Cost of funding earning assets | 0.3176% | 3,903 |
| Net interest margin | 3.8803% | 1,999 |
| Noninterest income to average assets | 0.7880% | 1,611 |
| Noninterest expense to average assets | 2.6549% | 3,250 |
| Loan and lease loss provision to assets | 0.1992% | 928 |
| Net operating income to assets | 1.1063% | 1,944 |
| Return on assets (ROA) | 1.1061% | 1,993 |
| Pretax return on assets | 1.5081% | 1,605 |
| Return on Equity (ROE) | 10.9205% | 1,678 |
| Retained earnings to average equity (ytd only) | 7.3052% | 1,450 |
| Net charge-offs to loans | 0.1510% | 1,247 |
| Credit loss provision to net charge-offs | 180.8318% | 1,352 |
| Earnings coverage of net charge-offs (x) | 15.5036% | 2,025 |
| Efficiency ratio | 59.7576% | 4,349 |
| Assets per employee ($millions) | 5.0815% | 2,300 |
| Cash dividends to net income (ytd only)* | 33.1052% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 4,992 |
| Loan loss allowance to noncurrent loans | 184.8308% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 3,849 |
| Noncurrent loans to loans | 0.4221% | 3,508 |
| Net loans and leases to total assets | 72.2252% | 2,165 |
| Net loans and leases to deposits | 96.6840% | 1,011 |
| Net loans and leases to core deposits | 100.4764% | 1,617 |
| Total domestic deposits to total assets | 74.7023% | 5,235 |
| Equity capital to assets | 10.1588% | 3,723 |
| Core capital (leverage) ratio | 8.9109% | 4,828 |
| Tier 1 risk-based capital ratio | 11.1380% | 5,182 |
| Total risk-based capital ratio | 11.8707% | 5,346 |
| Memoranda: | ||
| Average total assets | $2,008,383,000 | 410 |
| Average earning assets | $1,850,086,670 | 403 |
| Average equity | $203,416,000 | 433 |
| Average total loans | $1,465,024,670 | 399 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 2,538 |
| Cost of funding earning assets | 0.2844% | 4,204 |
| Net interest margin | 3.8491% | 1,955 |
| Noninterest income to average assets | 0.7495% | 1,750 |
| Noninterest expense to average assets | 2.5889% | 3,534 |
| Loan and lease loss provision to assets | 0.2123% | 766 |
| Net operating income to assets | 1.1005% | 1,867 |
| Return on assets (ROA) | 1.1023% | 1,899 |
| Pretax return on assets | 1.4939% | 1,550 |
| Return on Equity (ROE) | 10.9000% | 1,606 |
| Retained earnings to average equity (ytd only) | 7.3553% | 1,714 |
| Net charge-offs to loans | 0.1614% | 1,003 |
| Credit loss provision to net charge-offs | 180.1029% | 1,087 |
| Earnings coverage of net charge-offs (x) | 14.4545% | 1,721 |
| Efficiency ratio | 59.1748% | 4,568 |
| Assets per employee ($millions) | 5.0597% | 2,361 |
| Cash dividends to net income (ytd only)* | 32.5202% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 5,130 |
| Loan loss allowance to noncurrent loans | 172.7300% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 3,826 |
| Noncurrent loans to loans | 0.4482% | 3,487 |
| Net loans and leases to total assets | 72.2276% | 2,042 |
| Net loans and leases to deposits | 93.9758% | 1,110 |
| Net loans and leases to core deposits | 97.9277% | 1,663 |
| Total domestic deposits to total assets | 76.8576% | 5,131 |
| Equity capital to assets | 10.0620% | 3,678 |
| Core capital (leverage) ratio | 8.9057% | 4,835 |
| Tier 1 risk-based capital ratio | 11.1339% | 5,239 |
| Total risk-based capital ratio | 11.8571% | 5,415 |
| Memoranda: | ||
| Average total assets | $1,978,481,500 | 416 |
| Average earning assets | $1,821,186,000 | 413 |
| Average equity | $200,072,500 | 440 |
| Average total loans | $1,444,788,500 | 404 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 2,671 |
| Cost of funding earning assets | 0.2453% | 4,610 |
| Net interest margin | 3.9020% | 1,958 |
| Noninterest income to average assets | 0.7776% | 1,839 |
| Noninterest expense to average assets | 2.6846% | 3,388 |
| Loan and lease loss provision to assets | 0.2038% | 1,119 |
| Net operating income to assets | 1.0773% | 2,002 |
| Return on assets (ROA) | 1.0807% | 2,083 |
| Pretax return on assets | 1.4802% | 1,656 |
| Return on Equity (ROE) | 10.5457% | 1,750 |
| Retained earnings to average equity (ytd only) | 7.5471% | 1,022 |
| Net charge-offs to loans | 0.1468% | 1,798 |
| Credit loss provision to net charge-offs | 193.8878% | 1,459 |
| Earnings coverage of net charge-offs (x) | 15.9790% | 2,152 |
| Efficiency ratio | 60.4554% | 4,518 |
| Assets per employee ($millions) | 4.8828% | 2,523 |
| Cash dividends to net income (ytd only)* | 28.4336% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7603% | 5,213 |
| Loan loss allowance to noncurrent loans | 132.8274% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 3,486 |
| Noncurrent loans to loans | 0.5724% | 3,123 |
| Net loans and leases to total assets | 72.7094% | 2,060 |
| Net loans and leases to deposits | 92.7014% | 1,342 |
| Net loans and leases to core deposits | 96.0269% | 1,922 |
| Total domestic deposits to total assets | 78.4340% | 4,909 |
| Equity capital to assets | 10.1645% | 3,532 |
| Core capital (leverage) ratio | 8.9105% | 4,842 |
| Tier 1 risk-based capital ratio | 11.1170% | 5,277 |
| Total risk-based capital ratio | 11.8222% | 5,469 |
| Memoranda: | ||
| Average total assets | $1,899,261,400 | 414 |
| Average earning assets | $1,745,594,600 | 407 |
| Average equity | $194,630,000 | 437 |
| Average total loans | $1,359,774,000 | 401 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 2,690 |
| Cost of funding earning assets | 0.2404% | 4,695 |
| Net interest margin | 3.9071% | 1,952 |
| Noninterest income to average assets | 0.7526% | 1,955 |
| Noninterest expense to average assets | 2.6762% | 3,410 |
| Loan and lease loss provision to assets | 0.2035% | 1,038 |
| Net operating income to assets | 1.0772% | 2,094 |
| Return on assets (ROA) | 1.0818% | 2,181 |
| Pretax return on assets | 1.4705% | 1,804 |
| Return on Equity (ROE) | 10.5347% | 1,854 |
| Retained earnings to average equity (ytd only) | 7.5493% | 1,379 |
| Net charge-offs to loans | 0.1331% | 1,643 |
| Credit loss provision to net charge-offs | 214.7651% | 1,368 |
| Earnings coverage of net charge-offs (x) | 17.6017% | 2,043 |
| Efficiency ratio | 60.6002% | 4,451 |
| Assets per employee ($millions) | 4.9171% | 2,468 |
| Cash dividends to net income (ytd only)* | 28.3391% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 5,313 |
| Loan loss allowance to noncurrent loans | 131.4093% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 3,666 |
| Noncurrent loans to loans | 0.5728% | 3,283 |
| Net loans and leases to total assets | 71.4066% | 2,278 |
| Net loans and leases to deposits | 92.7539% | 1,400 |
| Net loans and leases to core deposits | 95.9087% | 2,002 |
| Total domestic deposits to total assets | 76.9850% | 5,093 |
| Equity capital to assets | 10.3360% | 3,761 |
| Core capital (leverage) ratio | 8.8269% | 5,029 |
| Tier 1 risk-based capital ratio | 11.1183% | 5,302 |
| Total risk-based capital ratio | 11.8179% | 5,508 |
| Memoranda: | ||
| Average total assets | $1,887,012,500 | 410 |
| Average earning assets | $1,734,546,250 | 410 |
| Average equity | $193,780,000 | 443 |
| Average total loans | $1,342,863,000 | 406 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 2,665 |
| Cost of funding earning assets | 0.2343% | 4,807 |
| Net interest margin | 3.9180% | 1,922 |
| Noninterest income to average assets | 0.6890% | 2,194 |
| Noninterest expense to average assets | 2.6351% | 3,592 |
| Loan and lease loss provision to assets | 0.1894% | 1,148 |
| Net operating income to assets | 1.0813% | 2,035 |
| Return on assets (ROA) | 1.0859% | 2,144 |
| Pretax return on assets | 1.4714% | 1,768 |
| Return on Equity (ROE) | 10.5988% | 1,805 |
| Retained earnings to average equity (ytd only) | 7.8221% | 1,234 |
| Net charge-offs to loans | 0.1552% | 1,404 |
| Credit loss provision to net charge-offs | 172.1790% | 1,444 |
| Earnings coverage of net charge-offs (x) | 15.0370% | 2,017 |
| Efficiency ratio | 60.5394% | 4,572 |
| Assets per employee ($millions) | 4.8170% | 2,539 |
| Cash dividends to net income (ytd only)* | 26.1975% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7147% | 5,488 |
| Loan loss allowance to noncurrent loans | 116.2679% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 3,652 |
| Noncurrent loans to loans | 0.6147% | 3,221 |
| Net loans and leases to total assets | 70.7823% | 2,355 |
| Net loans and leases to deposits | 93.1506% | 1,383 |
| Net loans and leases to core deposits | 96.4471% | 1,938 |
| Total domestic deposits to total assets | 75.9869% | 5,286 |
| Equity capital to assets | 10.4121% | 3,732 |
| Core capital (leverage) ratio | 8.8511% | 4,997 |
| Tier 1 risk-based capital ratio | 11.0610% | 5,391 |
| Total risk-based capital ratio | 11.7190% | 5,599 |
| Memoranda: | ||
| Average total assets | $1,868,600,330 | 414 |
| Average earning assets | $1,717,274,670 | 411 |
| Average equity | $191,456,330 | 448 |
| Average total loans | $1,324,680,000 | 408 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 2,572 |
| Cost of funding earning assets | 0.2302% | 4,900 |
| Net interest margin | 3.9426% | 1,805 |
| Noninterest income to average assets | 0.6037% | 2,506 |
| Noninterest expense to average assets | 2.6330% | 3,647 |
| Loan and lease loss provision to assets | 0.1687% | 1,222 |
| Net operating income to assets | 1.0580% | 2,059 |
| Return on assets (ROA) | 1.0580% | 2,167 |
| Pretax return on assets | 1.4249% | 1,824 |
| Return on Equity (ROE) | 10.4132% | 1,811 |
| Retained earnings to average equity (ytd only) | 10.4132% | 759 |
| Net charge-offs to loans | 0.1126% | 1,446 |
| Credit loss provision to net charge-offs | 211.9565% | 1,040 |
| Earnings coverage of net charge-offs (x) | 20.0190% | 1,482 |
| Efficiency ratio | 61.3849% | 4,546 |
| Assets per employee ($millions) | 4.8148% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 5,568 |
| Loan loss allowance to noncurrent loans | 96.6945% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 3,397 |
| Noncurrent loans to loans | 0.7381% | 2,990 |
| Net loans and leases to total assets | 70.8400% | 2,214 |
| Net loans and leases to deposits | 90.2300% | 1,555 |
| Net loans and leases to core deposits | 93.4587% | 2,051 |
| Total domestic deposits to total assets | 78.5105% | 5,058 |
| Equity capital to assets | 10.3846% | 3,634 |
| Core capital (leverage) ratio | 8.8163% | 5,063 |
| Tier 1 risk-based capital ratio | 11.3633% | 5,303 |
| Total risk-based capital ratio | 12.0225% | 5,526 |
| Memoranda: | ||
| Average total assets | $1,849,132,000 | 415 |
| Average earning assets | $1,699,201,000 | 411 |
| Average equity | $187,877,000 | 451 |
| Average total loans | $1,307,061,000 | 407 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9076% | 3,681 |
| Cost of funding earning assets | 0.2951% | 4,307 |
| Net interest margin | 3.6124% | 3,087 |
| Noninterest income to average assets | 0.6763% | 2,312 |
| Noninterest expense to average assets | 2.8504% | 3,032 |
| Loan and lease loss provision to assets | 0.2359% | 825 |
| Net operating income to assets | 0.7281% | 3,678 |
| Return on assets (ROA) | 0.7330% | 3,751 |
| Pretax return on assets | 0.9324% | 3,718 |
| Return on Equity (ROE) | 7.4522% | 3,272 |
| Retained earnings to average equity (ytd only) | -8.7709% | 6,017 |
| Net charge-offs to loans | 0.2184% | 1,351 |
| Credit loss provision to net charge-offs | 162.1996% | 1,661 |
| Earnings coverage of net charge-offs (x) | 7.9917% | 3,014 |
| Efficiency ratio | 71.0362% | 3,062 |
| Assets per employee ($millions) | 4.7422% | 2,677 |
| Cash dividends to net income (ytd only)* | 217.6951% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6915% | 5,647 |
| Loan loss allowance to noncurrent loans | 85.9550% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 3,224 |
| Noncurrent loans to loans | 0.8045% | 2,774 |
| Net loans and leases to total assets | 69.5405% | 2,440 |
| Net loans and leases to deposits | 91.3483% | 1,469 |
| Net loans and leases to core deposits | 94.6977% | 1,974 |
| Total domestic deposits to total assets | 76.1267% | 5,429 |
| Equity capital to assets | 9.9371% | 4,037 |
| Core capital (leverage) ratio | 8.6517% | 5,275 |
| Tier 1 risk-based capital ratio | 11.0777% | 5,478 |
| Total risk-based capital ratio | 11.7096% | 5,710 |
| Memoranda: | ||
| Average total assets | $1,488,047,400 | 480 |
| Average earning assets | $1,374,311,000 | 469 |
| Average equity | $146,359,200 | 521 |
| Average total loans | $990,946,200 | 485 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7399% | 4,293 |
| Cost of funding earning assets | 0.3152% | 4,167 |
| Net interest margin | 3.4247% | 3,858 |
| Noninterest income to average assets | 0.6543% | 2,454 |
| Noninterest expense to average assets | 2.6905% | 3,592 |
| Loan and lease loss provision to assets | 0.2406% | 729 |
| Net operating income to assets | 0.7013% | 3,897 |
| Return on assets (ROA) | 0.7048% | 3,991 |
| Pretax return on assets | 0.8962% | 3,993 |
| Return on Equity (ROE) | 7.1902% | 3,530 |
| Retained earnings to average equity (ytd only) | -14.7477% | 6,175 |
| Net charge-offs to loans | 0.2710% | 986 |
| Credit loss provision to net charge-offs | 135.6297% | 1,818 |
| Earnings coverage of net charge-offs (x) | 6.3837% | 3,056 |
| Efficiency ratio | 70.3786% | 3,153 |
| Assets per employee ($millions) | 4.6111% | 2,822 |
| Cash dividends to net income (ytd only)* | 305.1071% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7009% | 5,725 |
| Loan loss allowance to noncurrent loans | 87.2961% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 3,398 |
| Noncurrent loans to loans | 0.8029% | 2,958 |
| Net loans and leases to total assets | 69.4362% | 2,469 |
| Net loans and leases to deposits | 87.8693% | 1,923 |
| Net loans and leases to core deposits | 90.7588% | 2,378 |
| Total domestic deposits to total assets | 79.0221% | 4,970 |
| Equity capital to assets | 9.7858% | 4,407 |
| Core capital (leverage) ratio | 8.7666% | 5,279 |
| Tier 1 risk-based capital ratio | 11.1483% | 5,576 |
| Total risk-based capital ratio | 11.7820% | 5,798 |
| Memoranda: | ||
| Average total assets | $1,396,513,250 | 510 |
| Average earning assets | $1,292,123,750 | 506 |
| Average equity | $136,885,750 | 554 |
| Average total loans | $914,086,250 | 524 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4439% | 5,127 |
| Cost of funding earning assets | 0.3330% | 4,014 |
| Net interest margin | 3.1109% | 4,943 |
| Noninterest income to average assets | 0.6185% | 2,634 |
| Noninterest expense to average assets | 2.4146% | 4,499 |
| Loan and lease loss provision to assets | 0.2003% | 979 |
| Net operating income to assets | 0.7002% | 3,895 |
| Return on assets (ROA) | 0.7054% | 3,985 |
| Pretax return on assets | 0.8937% | 3,979 |
| Return on Equity (ROE) | 7.1917% | 3,490 |
| Retained earnings to average equity (ytd only) | -22.6951% | 6,278 |
| Net charge-offs to loans | 0.3994% | 652 |
| Credit loss provision to net charge-offs | 78.9793% | 2,345 |
| Earnings coverage of net charge-offs (x) | 4.2874% | 3,064 |
| Efficiency ratio | 68.9488% | 3,499 |
| Assets per employee ($millions) | 4.2217% | 3,433 |
| Cash dividends to net income (ytd only)* | 415.5745% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6419% | 5,907 |
| Loan loss allowance to noncurrent loans | 91.2232% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 3,775 |
| Noncurrent loans to loans | 0.7036% | 3,376 |
| Net loans and leases to total assets | 68.1486% | 2,618 |
| Net loans and leases to deposits | 85.1212% | 2,162 |
| Net loans and leases to core deposits | 87.9819% | 2,554 |
| Total domestic deposits to total assets | 80.0607% | 4,851 |
| Equity capital to assets | 9.9000% | 4,158 |
| Core capital (leverage) ratio | 8.6195% | 5,415 |
| Tier 1 risk-based capital ratio | 11.7006% | 5,343 |
| Total risk-based capital ratio | 12.2829% | 5,617 |
| Memoranda: | ||
| Average total assets | $1,297,930,000 | 549 |
| Average earning assets | $1,203,057,670 | 541 |
| Average equity | $127,313,670 | 601 |
| Average total loans | $824,336,000 | 569 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 3,942 |
| Cost of funding earning assets | 0.3835% | 3,482 |
| Net interest margin | 3.4340% | 3,693 |
| Noninterest income to average assets | 0.6764% | 2,271 |
| Noninterest expense to average assets | 2.7242% | 3,507 |
| Loan and lease loss provision to assets | 0.1608% | 1,259 |
| Net operating income to assets | 0.7832% | 3,351 |
| Return on assets (ROA) | 0.7854% | 3,470 |
| Pretax return on assets | 1.0030% | 3,489 |
| Return on Equity (ROE) | 8.0622% | 2,928 |
| Retained earnings to average equity (ytd only) | 4.2842% | 3,444 |
| Net charge-offs to loans | 0.2147% | 1,086 |
| Credit loss provision to net charge-offs | 125.3482% | 1,402 |
| Earnings coverage of net charge-offs (x) | 9.0501% | 2,036 |
| Efficiency ratio | 70.1186% | 3,467 |
| Assets per employee ($millions) | 3.9481% | 4,065 |
| Cash dividends to net income (ytd only)* | 46.8608% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 4,281 |
| Loan loss allowance to noncurrent loans | 97.2670% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 3,329 |
| Noncurrent loans to loans | 1.1787% | 2,419 |
| Net loans and leases to total assets | 59.5998% | 3,714 |
| Net loans and leases to deposits | 73.0430% | 3,425 |
| Net loans and leases to core deposits | 75.0822% | 3,679 |
| Total domestic deposits to total assets | 81.5955% | 4,640 |
| Equity capital to assets | 9.8809% | 4,289 |
| Core capital (leverage) ratio | 9.3773% | 4,463 |
| Tier 1 risk-based capital ratio | 13.8464% | 4,121 |
| Total risk-based capital ratio | 14.8374% | 4,198 |
| Memoranda: | ||
| Average total assets | $1,119,438,000 | 629 |
| Average earning assets | $1,046,022,000 | 613 |
| Average equity | $109,052,500 | 703 |
| Average total loans | $668,960,500 | 696 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 4,100 |
| Cost of funding earning assets | 0.4364% | 3,318 |
| Net interest margin | 3.4708% | 3,895 |
| Noninterest income to average assets | 0.6262% | 2,703 |
| Noninterest expense to average assets | 2.6990% | 3,863 |
| Loan and lease loss provision to assets | 0.1678% | 1,558 |
| Net operating income to assets | 0.7720% | 3,509 |
| Return on assets (ROA) | 0.8032% | 3,452 |
| Pretax return on assets | 1.0393% | 3,353 |
| Return on Equity (ROE) | 8.7993% | 2,681 |
| Retained earnings to average equity (ytd only) | 4.8758% | 2,697 |
| Net charge-offs to loans | 0.2830% | 1,533 |
| Credit loss provision to net charge-offs | 103.5242% | 2,312 |
| Earnings coverage of net charge-offs (x) | 7.1977% | 3,068 |
| Efficiency ratio | 69.8220% | 3,559 |
| Assets per employee ($millions) | 3.9215% | 4,117 |
| Cash dividends to net income (ytd only)* | 44.5889% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 4,291 |
| Loan loss allowance to noncurrent loans | 89.9894% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 3,291 |
| Noncurrent loans to loans | 1.2767% | 2,323 |
| Net loans and leases to total assets | 58.5477% | 3,989 |
| Net loans and leases to deposits | 71.5256% | 3,733 |
| Net loans and leases to core deposits | 73.5502% | 3,956 |
| Total domestic deposits to total assets | 81.8556% | 4,472 |
| Equity capital to assets | 9.6031% | 4,587 |
| Core capital (leverage) ratio | 9.3649% | 4,448 |
| Tier 1 risk-based capital ratio | 14.5236% | 3,763 |
| Total risk-based capital ratio | 15.5610% | 3,822 |
| Memoranda: | ||
| Average total assets | $1,120,482,800 | 604 |
| Average earning assets | $1,045,770,800 | 590 |
| Average equity | $102,280,800 | 714 |
| Average total loans | $641,588,200 | 678 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 4,171 |
| Cost of funding earning assets | 0.4455% | 3,304 |
| Net interest margin | 3.4555% | 3,997 |
| Noninterest income to average assets | 0.6063% | 2,830 |
| Noninterest expense to average assets | 2.6739% | 3,924 |
| Loan and lease loss provision to assets | 0.1256% | 1,994 |
| Net operating income to assets | 0.7939% | 3,449 |
| Return on assets (ROA) | 0.8014% | 3,516 |
| Pretax return on assets | 1.0379% | 3,437 |
| Return on Equity (ROE) | 8.8948% | 2,744 |
| Retained earnings to average equity (ytd only) | 4.9541% | 3,107 |
| Net charge-offs to loans | 0.2705% | 1,450 |
| Credit loss provision to net charge-offs | 81.7829% | 2,561 |
| Earnings coverage of net charge-offs (x) | 7.5139% | 2,920 |
| Efficiency ratio | 69.8591% | 3,537 |
| Assets per employee ($millions) | 3.9259% | 4,032 |
| Cash dividends to net income (ytd only)* | 44.3041% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 4,599 |
| Loan loss allowance to noncurrent loans | 101.5932% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 3,805 |
| Noncurrent loans to loans | 1.1142% | 2,836 |
| Net loans and leases to total assets | 57.0427% | 4,196 |
| Net loans and leases to deposits | 69.9344% | 3,923 |
| Net loans and leases to core deposits | 71.5297% | 4,201 |
| Total domestic deposits to total assets | 81.5660% | 4,640 |
| Equity capital to assets | 9.3287% | 5,009 |
| Core capital (leverage) ratio | 9.3342% | 4,594 |
| Tier 1 risk-based capital ratio | 14.5917% | 3,821 |
| Total risk-based capital ratio | 15.6044% | 3,917 |
| Memoranda: | ||
| Average total assets | $1,120,215,000 | 600 |
| Average earning assets | $1,044,298,000 | 585 |
| Average equity | $100,925,000 | 725 |
| Average total loans | $635,916,250 | 682 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 4,282 |
| Cost of funding earning assets | 0.4536% | 3,287 |
| Net interest margin | 3.4117% | 4,128 |
| Noninterest income to average assets | 0.5644% | 3,019 |
| Noninterest expense to average assets | 2.6274% | 4,147 |
| Loan and lease loss provision to assets | 0.1126% | 2,145 |
| Net operating income to assets | 0.7776% | 3,439 |
| Return on assets (ROA) | 0.7892% | 3,483 |
| Pretax return on assets | 1.0177% | 3,409 |
| Return on Equity (ROE) | 8.8648% | 2,652 |
| Retained earnings to average equity (ytd only) | 4.7284% | 3,128 |
| Net charge-offs to loans | 0.2665% | 1,483 |
| Credit loss provision to net charge-offs | 74.8219% | 2,390 |
| Earnings coverage of net charge-offs (x) | 7.4145% | 2,634 |
| Efficiency ratio | 70.1976% | 3,625 |
| Assets per employee ($millions) | 3.9131% | 4,032 |
| Cash dividends to net income (ytd only)* | 46.6606% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 4,650 |
| Loan loss allowance to noncurrent loans | 90.3797% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 3,685 |
| Noncurrent loans to loans | 1.2757% | 2,674 |
| Net loans and leases to total assets | 56.5484% | 4,192 |
| Net loans and leases to deposits | 69.2921% | 3,911 |
| Net loans and leases to core deposits | 70.8250% | 4,168 |
| Total domestic deposits to total assets | 81.6087% | 4,780 |
| Equity capital to assets | 9.2346% | 5,064 |
| Core capital (leverage) ratio | 9.2269% | 4,699 |
| Tier 1 risk-based capital ratio | 14.5416% | 3,898 |
| Total risk-based capital ratio | 15.5670% | 3,985 |
| Memoranda: | ||
| Average total assets | $1,119,352,330 | 599 |
| Average earning assets | $1,042,822,330 | 586 |
| Average equity | $99,652,330 | 730 |
| Average total loans | $631,951,670 | 680 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 4,310 |
| Cost of funding earning assets | 0.4601% | 3,309 |
| Net interest margin | 3.3838% | 4,205 |
| Noninterest income to average assets | 0.5440% | 3,089 |
| Noninterest expense to average assets | 2.5860% | 4,321 |
| Loan and lease loss provision to assets | 0.1177% | 2,009 |
| Net operating income to assets | 0.7762% | 3,270 |
| Return on assets (ROA) | 0.7762% | 3,353 |
| Pretax return on assets | 0.9962% | 3,333 |
| Return on Equity (ROE) | 8.8830% | 2,521 |
| Retained earnings to average equity (ytd only) | 4.6783% | 3,312 |
| Net charge-offs to loans | 0.3250% | 1,092 |
| Credit loss provision to net charge-offs | 64.5793% | 2,060 |
| Earnings coverage of net charge-offs (x) | 6.1115% | 2,276 |
| Efficiency ratio | 69.8930% | 3,857 |
| Assets per employee ($millions) | 3.9539% | 4,037 |
| Cash dividends to net income (ytd only)* | 47.3346% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 4,743 |
| Loan loss allowance to noncurrent loans | 86.9570% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 3,815 |
| Noncurrent loans to loans | 1.3546% | 2,776 |
| Net loans and leases to total assets | 55.1891% | 4,257 |
| Net loans and leases to deposits | 66.9696% | 3,975 |
| Net loans and leases to core deposits | 68.5563% | 4,252 |
| Total domestic deposits to total assets | 82.4092% | 4,811 |
| Equity capital to assets | 8.8949% | 5,231 |
| Core capital (leverage) ratio | 9.1390% | 4,810 |
| Tier 1 risk-based capital ratio | 14.5314% | 3,992 |
| Total risk-based capital ratio | 15.5728% | 4,067 |
| Memoranda: | ||
| Average total assets | $1,121,416,500 | 604 |
| Average earning assets | $1,045,929,500 | 587 |
| Average equity | $97,985,000 | 743 |
| Average total loans | $628,929,000 | 682 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 4,487 |
| Cost of funding earning assets | 0.4802% | 3,817 |
| Net interest margin | 3.4122% | 4,230 |
| Noninterest income to average assets | 0.6136% | 3,008 |
| Noninterest expense to average assets | 2.8266% | 3,633 |
| Loan and lease loss provision to assets | 0.1148% | 2,895 |
| Net operating income to assets | 0.6957% | 3,812 |
| Return on assets (ROA) | 0.7559% | 3,606 |
| Pretax return on assets | 0.9376% | 3,607 |
| Return on Equity (ROE) | 8.4859% | 2,786 |
| Retained earnings to average equity (ytd only) | 4.1576% | 3,214 |
| Net charge-offs to loans | 0.2229% | 2,680 |
| Credit loss provision to net charge-offs | 95.4848% | 2,619 |
| Earnings coverage of net charge-offs (x) | 8.1369% | 2,723 |
| Efficiency ratio | 74.2920% | 3,084 |
| Assets per employee ($millions) | 3.9295% | 4,001 |
| Cash dividends to net income (ytd only)* | 51.0065% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 4,662 |
| Loan loss allowance to noncurrent loans | 83.2472% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 3,824 |
| Noncurrent loans to loans | 1.4413% | 2,726 |
| Net loans and leases to total assets | 55.6449% | 4,367 |
| Net loans and leases to deposits | 67.9461% | 4,061 |
| Net loans and leases to core deposits | 69.5388% | 4,333 |
| Total domestic deposits to total assets | 81.8956% | 4,909 |
| Equity capital to assets | 8.5799% | 5,494 |
| Core capital (leverage) ratio | 8.9323% | 5,107 |
| Tier 1 risk-based capital ratio | 14.3463% | 4,049 |
| Total risk-based capital ratio | 15.4111% | 4,129 |
| Memoranda: | ||
| Average total assets | $1,123,883,600 | 584 |
| Average earning assets | $1,051,069,800 | 565 |
| Average equity | $100,107,000 | 704 |
| Average total loans | $606,224,800 | 689 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8793% | 4,581 |
| Cost of funding earning assets | 0.4806% | 3,960 |
| Net interest margin | 3.3987% | 4,292 |
| Noninterest income to average assets | 0.6050% | 3,118 |
| Noninterest expense to average assets | 2.9105% | 3,269 |
| Loan and lease loss provision to assets | 0.0907% | 3,252 |
| Net operating income to assets | 0.6418% | 4,171 |
| Return on assets (ROA) | 0.7221% | 3,872 |
| Pretax return on assets | 0.8820% | 3,957 |
| Return on Equity (ROE) | 8.0331% | 3,110 |
| Retained earnings to average equity (ytd only) | 3.6843% | 4,080 |
| Net charge-offs to loans | 0.2277% | 2,443 |
| Credit loss provision to net charge-offs | 74.6341% | 2,973 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,828 |
| Efficiency ratio | 76.8906% | 2,578 |
| Assets per employee ($millions) | 3.9820% | 3,870 |
| Cash dividends to net income (ytd only)* | 54.1366% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 4,843 |
| Loan loss allowance to noncurrent loans | 80.7650% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 4,046 |
| Noncurrent loans to loans | 1.4901% | 2,928 |
| Net loans and leases to total assets | 53.4923% | 4,689 |
| Net loans and leases to deposits | 66.8077% | 4,200 |
| Net loans and leases to core deposits | 68.3943% | 4,494 |
| Total domestic deposits to total assets | 80.0691% | 5,491 |
| Equity capital to assets | 8.4864% | 5,748 |
| Core capital (leverage) ratio | 8.8171% | 5,392 |
| Tier 1 risk-based capital ratio | 14.4329% | 4,121 |
| Total risk-based capital ratio | 15.4892% | 4,206 |
| Memoranda: | ||
| Average total assets | $1,124,876,250 | 589 |
| Average earning assets | $1,052,580,750 | 565 |
| Average equity | $101,112,000 | 708 |
| Average total loans | $600,095,500 | 697 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 4,475 |
| Cost of funding earning assets | 0.4798% | 4,101 |
| Net interest margin | 3.4199% | 4,113 |
| Noninterest income to average assets | 0.5641% | 3,415 |
| Noninterest expense to average assets | 2.8030% | 3,663 |
| Loan and lease loss provision to assets | 0.0757% | 3,533 |
| Net operating income to assets | 0.7109% | 3,752 |
| Return on assets (ROA) | 0.7436% | 3,756 |
| Pretax return on assets | 0.9308% | 3,780 |
| Return on Equity (ROE) | 8.1206% | 3,028 |
| Retained earnings to average equity (ytd only) | 3.8162% | 3,870 |
| Net charge-offs to loans | 0.1557% | 2,856 |
| Credit loss provision to net charge-offs | 91.5948% | 2,403 |
| Earnings coverage of net charge-offs (x) | 11.6832% | 2,033 |
| Efficiency ratio | 74.3785% | 3,056 |
| Assets per employee ($millions) | 3.6318% | 4,549 |
| Cash dividends to net income (ytd only)* | 53.0060% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 4,683 |
| Loan loss allowance to noncurrent loans | 93.9473% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 4,325 |
| Noncurrent loans to loans | 1.3439% | 3,310 |
| Net loans and leases to total assets | 53.4107% | 4,669 |
| Net loans and leases to deposits | 65.5398% | 4,318 |
| Net loans and leases to core deposits | 67.3673% | 4,559 |
| Total domestic deposits to total assets | 81.4936% | 5,219 |
| Equity capital to assets | 8.9429% | 5,275 |
| Core capital (leverage) ratio | 8.8812% | 5,174 |
| Tier 1 risk-based capital ratio | 14.8069% | 3,905 |
| Total risk-based capital ratio | 15.9706% | 3,925 |
| Memoranda: | ||
| Average total assets | $1,122,870,000 | 589 |
| Average earning assets | $1,052,127,670 | 565 |
| Average equity | $102,825,330 | 699 |
| Average total loans | $596,023,670 | 698 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 4,563 |
| Cost of funding earning assets | 0.4893% | 4,184 |
| Net interest margin | 3.3874% | 4,168 |
| Noninterest income to average assets | 0.5497% | 3,442 |
| Noninterest expense to average assets | 2.7201% | 3,983 |
| Loan and lease loss provision to assets | 0.0904% | 3,155 |
| Net operating income to assets | 0.7297% | 3,542 |
| Return on assets (ROA) | 0.7297% | 3,679 |
| Pretax return on assets | 0.9144% | 3,708 |
| Return on Equity (ROE) | 7.8779% | 3,039 |
| Retained earnings to average equity (ytd only) | 2.7318% | 4,647 |
| Net charge-offs to loans | 0.2534% | 1,939 |
| Credit loss provision to net charge-offs | 67.8191% | 2,325 |
| Earnings coverage of net charge-offs (x) | 7.5399% | 2,053 |
| Efficiency ratio | 73.0257% | 3,441 |
| Assets per employee ($millions) | 3.6811% | 4,598 |
| Cash dividends to net income (ytd only)* | 65.3230% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 4,904 |
| Loan loss allowance to noncurrent loans | 101.8863% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 4,653 |
| Noncurrent loans to loans | 1.2349% | 3,709 |
| Net loans and leases to total assets | 52.1402% | 4,686 |
| Net loans and leases to deposits | 64.0191% | 4,312 |
| Net loans and leases to core deposits | 65.5774% | 4,581 |
| Total domestic deposits to total assets | 81.4447% | 5,380 |
| Equity capital to assets | 9.2091% | 5,242 |
| Core capital (leverage) ratio | 8.8757% | 5,087 |
| Tier 1 risk-based capital ratio | 14.8205% | 3,953 |
| Total risk-based capital ratio | 15.9792% | 3,984 |
| Memoranda: | ||
| Average total assets | $1,128,633,000 | 590 |
| Average earning assets | $1,057,930,500 | 569 |
| Average equity | $104,545,000 | 696 |
| Average total loans | $593,452,000 | 702 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 4,672 |
| Cost of funding earning assets | 0.6004% | 4,350 |
| Net interest margin | 3.5774% | 4,194 |
| Noninterest income to average assets | 0.5573% | 3,524 |
| Noninterest expense to average assets | 2.7287% | 4,291 |
| Loan and lease loss provision to assets | 0.0659% | 4,932 |
| Net operating income to assets | 0.8497% | 3,049 |
| Return on assets (ROA) | 0.9229% | 2,933 |
| Pretax return on assets | 1.2101% | 2,768 |
| Return on Equity (ROE) | 9.9639% | 2,183 |
| Retained earnings to average equity (ytd only) | 7.3027% | 1,423 |
| Net charge-offs to loans | 0.5035% | 2,230 |
| Credit loss provision to net charge-offs | 24.8628% | 5,204 |
| Earnings coverage of net charge-offs (x) | 4.4513% | 3,363 |
| Efficiency ratio | 69.8161% | 3,858 |
| Assets per employee ($millions) | 3.6836% | 4,598 |
| Cash dividends to net income (ytd only)* | 26.7087% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 4,668 |
| Loan loss allowance to noncurrent loans | 93.0252% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 4,578 |
| Noncurrent loans to loans | 1.3896% | 3,518 |
| Net loans and leases to total assets | 51.6810% | 4,968 |
| Net loans and leases to deposits | 63.1167% | 4,648 |
| Net loans and leases to core deposits | 64.7832% | 4,867 |
| Total domestic deposits to total assets | 81.8817% | 5,139 |
| Equity capital to assets | 9.3170% | 5,128 |
| Core capital (leverage) ratio | 8.7146% | 5,305 |
| Tier 1 risk-based capital ratio | 14.7876% | 3,840 |
| Total risk-based capital ratio | 15.9590% | 3,843 |
| Memoranda: | ||
| Average total assets | $1,100,248,000 | 599 |
| Average earning assets | $1,030,663,400 | 571 |
| Average equity | $101,907,400 | 698 |
| Average total loans | $579,143,200 | 715 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 4,768 |
| Cost of funding earning assets | 0.6190% | 4,458 |
| Net interest margin | 3.5946% | 4,256 |
| Noninterest income to average assets | 0.5367% | 3,698 |
| Noninterest expense to average assets | 2.6752% | 4,475 |
| Loan and lease loss provision to assets | 0.0884% | 4,501 |
| Net operating income to assets | 0.8710% | 3,124 |
| Return on assets (ROA) | 0.9148% | 3,137 |
| Pretax return on assets | 1.1989% | 2,992 |
| Return on Equity (ROE) | 9.8920% | 2,401 |
| Retained earnings to average equity (ytd only) | 7.3554% | 1,918 |
| Net charge-offs to loans | 0.4441% | 2,329 |
| Credit loss provision to net charge-offs | 37.7604% | 4,661 |
| Earnings coverage of net charge-offs (x) | 5.2526% | 3,068 |
| Efficiency ratio | 68.5100% | 3,957 |
| Assets per employee ($millions) | 3.7720% | 4,371 |
| Cash dividends to net income (ytd only)* | 25.6431% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,978 |
| Loan loss allowance to noncurrent loans | 99.5728% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 4,737 |
| Noncurrent loans to loans | 1.5003% | 3,536 |
| Net loans and leases to total assets | 50.7676% | 5,219 |
| Net loans and leases to deposits | 62.8500% | 4,869 |
| Net loans and leases to core deposits | 64.6590% | 5,085 |
| Total domestic deposits to total assets | 80.7759% | 5,427 |
| Equity capital to assets | 9.3562% | 5,399 |
| Core capital (leverage) ratio | 8.6578% | 5,538 |
| Tier 1 risk-based capital ratio | 14.9279% | 3,898 |
| Total risk-based capital ratio | 16.1704% | 3,864 |
| Memoranda: | ||
| Average total assets | $1,093,515,500 | 605 |
| Average earning assets | $1,024,619,250 | 580 |
| Average equity | $101,129,500 | 705 |
| Average total loans | $576,387,500 | 718 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 4,633 |
| Cost of funding earning assets | 0.6361% | 4,560 |
| Net interest margin | 3.6475% | 4,051 |
| Noninterest income to average assets | 0.5349% | 3,689 |
| Noninterest expense to average assets | 2.6860% | 4,479 |
| Loan and lease loss provision to assets | 0.0738% | 4,702 |
| Net operating income to assets | 0.9100% | 2,861 |
| Return on assets (ROA) | 0.9100% | 3,127 |
| Pretax return on assets | 1.1927% | 2,953 |
| Return on Equity (ROE) | 9.8798% | 2,407 |
| Retained earnings to average equity (ytd only) | 7.1131% | 2,040 |
| Net charge-offs to loans | 0.4069% | 2,401 |
| Credit loss provision to net charge-offs | 34.1297% | 4,373 |
| Earnings coverage of net charge-offs (x) | 5.8601% | 2,740 |
| Efficiency ratio | 67.9575% | 4,129 |
| Assets per employee ($millions) | 3.7683% | 4,389 |
| Cash dividends to net income (ytd only)* | 28.0041% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 3,704 |
| Loan loss allowance to noncurrent loans | 91.3939% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 4,503 |
| Noncurrent loans to loans | 1.7184% | 3,316 |
| Net loans and leases to total assets | 51.3606% | 5,176 |
| Net loans and leases to deposits | 63.6247% | 4,816 |
| Net loans and leases to core deposits | 65.5668% | 5,047 |
| Total domestic deposits to total assets | 80.7243% | 5,551 |
| Equity capital to assets | 9.2973% | 5,324 |
| Core capital (leverage) ratio | 8.5719% | 5,557 |
| Tier 1 risk-based capital ratio | 14.8811% | 3,847 |
| Total risk-based capital ratio | 16.1383% | 3,797 |
| Memoranda: | ||
| Average total assets | $1,084,592,330 | 606 |
| Average earning assets | $1,016,205,000 | 582 |
| Average equity | $99,900,670 | 715 |
| Average total loans | $576,061,000 | 719 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 4,660 |
| Cost of funding earning assets | 0.6562% | 4,671 |
| Net interest margin | 3.6636% | 3,989 |
| Noninterest income to average assets | 0.4931% | 3,957 |
| Noninterest expense to average assets | 2.6843% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9441% | 2,724 |
| Return on assets (ROA) | 0.9441% | 2,931 |
| Pretax return on assets | 1.2411% | 2,762 |
| Return on Equity (ROE) | 10.2999% | 2,303 |
| Retained earnings to average equity (ytd only) | 6.7353% | 2,559 |
| Net charge-offs to loans | 0.2597% | 2,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.9171% | 1,901 |
| Efficiency ratio | 68.3826% | 4,098 |
| Assets per employee ($millions) | 3.7333% | 4,575 |
| Cash dividends to net income (ytd only)* | 34.6078% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 3,611 |
| Loan loss allowance to noncurrent loans | 85.6392% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0581% | 4,373 |
| Noncurrent loans to loans | 1.9027% | 3,276 |
| Net loans and leases to total assets | 52.1328% | 5,003 |
| Net loans and leases to deposits | 63.9675% | 4,641 |
| Net loans and leases to core deposits | 66.5596% | 4,850 |
| Total domestic deposits to total assets | 81.4989% | 5,463 |
| Equity capital to assets | 9.0563% | 5,413 |
| Core capital (leverage) ratio | 8.6510% | 5,378 |
| Tier 1 risk-based capital ratio | 14.5940% | 4,023 |
| Total risk-based capital ratio | 15.7667% | 4,048 |
| Memoranda: | ||
| Average total assets | $1,074,839,000 | 617 |
| Average earning assets | $1,006,978,000 | 590 |
| Average equity | $98,525,500 | 724 |
| Average total loans | $576,031,500 | 719 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6635% | 4,407 |
| Cost of funding earning assets | 0.8179% | 4,725 |
| Net interest margin | 3.8456% | 3,593 |
| Noninterest income to average assets | 0.5385% | 3,595 |
| Noninterest expense to average assets | 2.7647% | 4,495 |
| Loan and lease loss provision to assets | 0.3574% | 2,864 |
| Net operating income to assets | 0.7822% | 3,126 |
| Return on assets (ROA) | 0.9200% | 2,639 |
| Pretax return on assets | 1.1771% | 2,542 |
| Return on Equity (ROE) | 10.4234% | 1,907 |
| Retained earnings to average equity (ytd only) | 8.5885% | 906 |
| Net charge-offs to loans | 0.5456% | 2,830 |
| Credit loss provision to net charge-offs | 116.3161% | 2,786 |
| Earnings coverage of net charge-offs (x) | 4.4194% | 3,120 |
| Efficiency ratio | 67.0633% | 4,561 |
| Assets per employee ($millions) | 3.6917% | 4,565 |
| Cash dividends to net income (ytd only)* | 17.6032% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 3,142 |
| Loan loss allowance to noncurrent loans | 89.4028% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 4,427 |
| Noncurrent loans to loans | 1.9191% | 3,317 |
| Net loans and leases to total assets | 53.2798% | 5,132 |
| Net loans and leases to deposits | 66.4934% | 4,670 |
| Net loans and leases to core deposits | 69.3168% | 4,872 |
| Total domestic deposits to total assets | 80.1280% | 5,709 |
| Equity capital to assets | 9.2807% | 5,171 |
| Core capital (leverage) ratio | 8.5397% | 5,494 |
| Tier 1 risk-based capital ratio | 14.5984% | 3,905 |
| Total risk-based capital ratio | 15.8539% | 3,881 |
| Memoranda: | ||
| Average total assets | $1,021,329,200 | 644 |
| Average earning assets | $951,861,400 | 620 |
| Average equity | $90,143,400 | 748 |
| Average total loans | $575,133,600 | 734 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7345% | 4,303 |
| Cost of funding earning assets | 0.8525% | 4,754 |
| Net interest margin | 3.8820% | 3,471 |
| Noninterest income to average assets | 0.5362% | 3,609 |
| Noninterest expense to average assets | 2.6414% | 4,935 |
| Loan and lease loss provision to assets | 0.4805% | 2,063 |
| Net operating income to assets | 0.8186% | 3,068 |
| Return on assets (ROA) | 0.8186% | 3,232 |
| Pretax return on assets | 1.0277% | 3,300 |
| Return on Equity (ROE) | 9.4015% | 2,426 |
| Retained earnings to average equity (ytd only) | 7.5569% | 1,684 |
| Net charge-offs to loans | 0.4571% | 2,904 |
| Credit loss provision to net charge-offs | 184.9037% | 1,590 |
| Earnings coverage of net charge-offs (x) | 5.8035% | 2,691 |
| Efficiency ratio | 63.6537% | 5,131 |
| Assets per employee ($millions) | 3.8370% | 4,220 |
| Cash dividends to net income (ytd only)* | 19.6205% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 2,523 |
| Loan loss allowance to noncurrent loans | 100.9281% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 4,644 |
| Noncurrent loans to loans | 1.9162% | 3,478 |
| Net loans and leases to total assets | 51.8402% | 5,468 |
| Net loans and leases to deposits | 68.5618% | 4,512 |
| Net loans and leases to core deposits | 71.8152% | 4,739 |
| Total domestic deposits to total assets | 75.6109% | 6,576 |
| Equity capital to assets | 9.0529% | 5,687 |
| Core capital (leverage) ratio | 8.5397% | 5,656 |
| Tier 1 risk-based capital ratio | 14.3689% | 4,075 |
| Total risk-based capital ratio | 15.6344% | 4,033 |
| Memoranda: | ||
| Average total assets | $1,012,707,750 | 656 |
| Average earning assets | $942,649,250 | 638 |
| Average equity | $88,182,500 | 768 |
| Average total loans | $575,828,000 | 743 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8496% | 3,869 |
| Cost of funding earning assets | 0.8823% | 4,813 |
| Net interest margin | 3.9673% | 3,003 |
| Noninterest income to average assets | 0.5364% | 3,586 |
| Noninterest expense to average assets | 2.6718% | 4,933 |
| Loan and lease loss provision to assets | 0.5947% | 1,625 |
| Net operating income to assets | 0.7684% | 3,210 |
| Return on assets (ROA) | 0.7684% | 3,344 |
| Pretax return on assets | 0.9474% | 3,440 |
| Return on Equity (ROE) | 8.9529% | 2,537 |
| Retained earnings to average equity (ytd only) | 7.0435% | 1,858 |
| Net charge-offs to loans | 0.4782% | 2,666 |
| Credit loss provision to net charge-offs | 213.3044% | 1,406 |
| Earnings coverage of net charge-offs (x) | 5.5315% | 2,594 |
| Efficiency ratio | 63.4041% | 5,345 |
| Assets per employee ($millions) | 3.5664% | 4,767 |
| Cash dividends to net income (ytd only)* | 21.3274% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 2,631 |
| Loan loss allowance to noncurrent loans | 138.2708% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 5,144 |
| Noncurrent loans to loans | 1.3831% | 4,336 |
| Net loans and leases to total assets | 55.6558% | 5,043 |
| Net loans and leases to deposits | 71.8406% | 4,140 |
| Net loans and leases to core deposits | 75.8480% | 4,335 |
| Total domestic deposits to total assets | 77.4712% | 6,381 |
| Equity capital to assets | 9.1715% | 5,319 |
| Core capital (leverage) ratio | 8.4748% | 5,593 |
| Tier 1 risk-based capital ratio | 14.0449% | 4,141 |
| Total risk-based capital ratio | 15.3173% | 4,094 |
| Memoranda: | ||
| Average total assets | $992,157,000 | 675 |
| Average earning assets | $919,670,330 | 657 |
| Average equity | $85,156,330 | 792 |
| Average total loans | $578,459,330 | 748 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 3,680 |
| Cost of funding earning assets | 0.8924% | 4,977 |
| Net interest margin | 3.9898% | 2,726 |
| Noninterest income to average assets | 0.5288% | 3,662 |
| Noninterest expense to average assets | 2.6387% | 5,086 |
| Loan and lease loss provision to assets | 0.7598% | 1,123 |
| Net operating income to assets | 0.6828% | 3,595 |
| Return on assets (ROA) | 0.6828% | 3,662 |
| Pretax return on assets | 0.8116% | 3,858 |
| Return on Equity (ROE) | 8.2418% | 2,808 |
| Retained earnings to average equity (ytd only) | 6.2511% | 2,497 |
| Net charge-offs to loans | 0.7172% | 1,783 |
| Credit loss provision to net charge-offs | 179.2543% | 1,633 |
| Earnings coverage of net charge-offs (x) | 3.7075% | 2,661 |
| Efficiency ratio | 62.6756% | 5,571 |
| Assets per employee ($millions) | 3.6738% | 4,592 |
| Cash dividends to net income (ytd only)* | 24.1543% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 3,141 |
| Loan loss allowance to noncurrent loans | 92.0708% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.1831% | 4,584 |
| Noncurrent loans to loans | 1.9101% | 3,688 |
| Net loans and leases to total assets | 56.4621% | 4,918 |
| Net loans and leases to deposits | 73.3458% | 3,869 |
| Net loans and leases to core deposits | 77.2956% | 4,114 |
| Total domestic deposits to total assets | 76.9807% | 6,543 |
| Equity capital to assets | 8.6184% | 5,753 |
| Core capital (leverage) ratio | 8.4965% | 5,461 |
| Tier 1 risk-based capital ratio | 13.7245% | 4,257 |
| Total risk-based capital ratio | 14.9194% | 4,282 |
| Memoranda: | ||
| Average total assets | $987,156,000 | 683 |
| Average earning assets | $910,822,500 | 666 |
| Average equity | $81,778,000 | 810 |
| Average total loans | $583,371,500 | 745 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 4,020 |
| Cost of funding earning assets | 1.1602% | 4,789 |
| Net interest margin | 3.9565% | 3,235 |
| Noninterest income to average assets | 0.5129% | 4,073 |
| Noninterest expense to average assets | 2.5636% | 5,567 |
| Loan and lease loss provision to assets | 0.7986% | 2,038 |
| Net operating income to assets | 0.6599% | 3,389 |
| Return on assets (ROA) | 0.8668% | 2,663 |
| Pretax return on assets | 1.1084% | 2,541 |
| Return on Equity (ROE) | 11.8097% | 1,362 |
| Retained earnings to average equity (ytd only) | 11.8097% | 290 |
| Net charge-offs to loans | 1.0184% | 2,159 |
| Credit loss provision to net charge-offs | 130.9238% | 3,031 |
| Earnings coverage of net charge-offs (x) | 2.6914% | 3,742 |
| Efficiency ratio | 60.9610% | 5,900 |
| Assets per employee ($millions) | 3.6245% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 3,675 |
| Loan loss allowance to noncurrent loans | 104.4903% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 5,062 |
| Noncurrent loans to loans | 1.5090% | 4,216 |
| Net loans and leases to total assets | 59.8140% | 4,709 |
| Net loans and leases to deposits | 76.2412% | 3,801 |
| Net loans and leases to core deposits | 80.5664% | 4,122 |
| Total domestic deposits to total assets | 78.4537% | 6,227 |
| Equity capital to assets | 7.9391% | 6,547 |
| Core capital (leverage) ratio | 7.3770% | 6,803 |
| Tier 1 risk-based capital ratio | 12.0981% | 5,390 |
| Total risk-based capital ratio | 13.3434% | 5,374 |
| Memoranda: | ||
| Average total assets | $1,011,491,200 | 662 |
| Average earning assets | $943,995,200 | 642 |
| Average equity | $74,243,800 | 890 |
| Average total loans | $605,850,400 | 732 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0713% | 4,470 |
| Cost of funding earning assets | 1.2208% | 4,736 |
| Net interest margin | 3.8505% | 3,749 |
| Noninterest income to average assets | 0.4494% | 4,565 |
| Noninterest expense to average assets | 2.5155% | 5,655 |
| Loan and lease loss provision to assets | 0.7672% | 1,993 |
| Net operating income to assets | 0.6007% | 3,880 |
| Return on assets (ROA) | 0.7189% | 3,483 |
| Pretax return on assets | 0.9187% | 3,500 |
| Return on Equity (ROE) | 9.9882% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.9882% | 800 |
| Net charge-offs to loans | 1.2012% | 1,696 |
| Credit loss provision to net charge-offs | 107.0089% | 3,994 |
| Earnings coverage of net charge-offs (x) | 2.1402% | 4,117 |
| Efficiency ratio | 62.1129% | 5,603 |
| Assets per employee ($millions) | 3.9313% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 5,057 |
| Loan loss allowance to noncurrent loans | 84.5552% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 5,294 |
| Noncurrent loans to loans | 1.5155% | 4,364 |
| Net loans and leases to total assets | 56.9223% | 5,424 |
| Net loans and leases to deposits | 78.5749% | 3,717 |
| Net loans and leases to core deposits | 83.1528% | 4,073 |
| Total domestic deposits to total assets | 72.4434% | 7,091 |
| Equity capital to assets | 7.5811% | 7,074 |
| Core capital (leverage) ratio | 6.9001% | 7,210 |
| Tier 1 risk-based capital ratio | 11.0243% | 6,354 |
| Total risk-based capital ratio | 12.2258% | 6,381 |
| Memoranda: | ||
| Average total assets | $1,021,521,750 | 650 |
| Average earning assets | $955,206,750 | 624 |
| Average equity | $73,525,250 | 903 |
| Average total loans | $609,732,250 | 730 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 4,308 |
| Cost of funding earning assets | 1.3177% | 4,427 |
| Net interest margin | 3.8108% | 3,847 |
| Noninterest income to average assets | 0.4404% | 4,603 |
| Noninterest expense to average assets | 2.5150% | 5,665 |
| Loan and lease loss provision to assets | 0.8662% | 1,680 |
| Net operating income to assets | 0.5202% | 4,238 |
| Return on assets (ROA) | 0.5202% | 4,394 |
| Pretax return on assets | 0.6149% | 4,526 |
| Return on Equity (ROE) | 7.3632% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.3632% | 1,686 |
| Net charge-offs to loans | 1.1542% | 1,646 |
| Credit loss provision to net charge-offs | 124.2691% | 3,257 |
| Earnings coverage of net charge-offs (x) | 2.1249% | 3,960 |
| Efficiency ratio | 62.9351% | 5,534 |
| Assets per employee ($millions) | 3.7863% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 4,698 |
| Loan loss allowance to noncurrent loans | 82.6823% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0095% | 5,127 |
| Noncurrent loans to loans | 1.6284% | 4,268 |
| Net loans and leases to total assets | 60.2825% | 5,006 |
| Net loans and leases to deposits | 79.3036% | 3,734 |
| Net loans and leases to core deposits | 84.2361% | 4,110 |
| Total domestic deposits to total assets | 76.0149% | 6,688 |
| Equity capital to assets | 7.4982% | 7,116 |
| Core capital (leverage) ratio | 6.7060% | 7,322 |
| Tier 1 risk-based capital ratio | 10.6266% | 6,588 |
| Total risk-based capital ratio | 11.8791% | 6,586 |
| Memoranda: | ||
| Average total assets | $1,010,832,330 | 653 |
| Average earning assets | $943,152,330 | 635 |
| Average equity | $71,409,000 | 932 |
| Average total loans | $610,472,000 | 733 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1159% | 4,458 |
| Cost of funding earning assets | 1.3955% | 4,213 |
| Net interest margin | 3.7204% | 4,148 |
| Noninterest income to average assets | 0.4211% | 4,729 |
| Noninterest expense to average assets | 2.5020% | 5,722 |
| Loan and lease loss provision to assets | 1.0953% | 1,121 |
| Net operating income to assets | 0.3099% | 5,254 |
| Return on assets (ROA) | 0.3099% | 5,386 |
| Pretax return on assets | 0.2945% | 5,619 |
| Return on Equity (ROE) | 4.5240% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.5240% | 3,439 |
| Net charge-offs to loans | 1.2857% | 1,330 |
| Credit loss provision to net charge-offs | 141.8795% | 2,505 |
| Earnings coverage of net charge-offs (x) | 1.8003% | 3,659 |
| Efficiency ratio | 64.2893% | 5,438 |
| Assets per employee ($millions) | 3.9810% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 4,679 |
| Loan loss allowance to noncurrent loans | 76.5434% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 5,036 |
| Noncurrent loans to loans | 1.7632% | 4,104 |
| Net loans and leases to total assets | 58.4983% | 5,350 |
| Net loans and leases to deposits | 77.3189% | 4,164 |
| Net loans and leases to core deposits | 82.9242% | 4,356 |
| Total domestic deposits to total assets | 75.6585% | 6,810 |
| Equity capital to assets | 6.8555% | 7,426 |
| Core capital (leverage) ratio | 6.6781% | 7,402 |
| Tier 1 risk-based capital ratio | 10.2393% | 6,858 |
| Total risk-based capital ratio | 11.4954% | 6,846 |
| Memoranda: | ||
| Average total assets | $1,014,558,500 | 670 |
| Average earning assets | $946,456,000 | 646 |
| Average equity | $69,496,000 | 963 |
| Average total loans | $609,149,000 | 756 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5924% | 3,647 |
| Cost of funding earning assets | 1.8619% | 3,666 |
| Net interest margin | 3.7305% | 3,995 |
| Noninterest income to average assets | 0.5212% | 4,250 |
| Noninterest expense to average assets | 2.7041% | 5,371 |
| Loan and lease loss provision to assets | 0.6359% | 3,261 |
| Net operating income to assets | 0.5559% | 3,501 |
| Return on assets (ROA) | 0.6448% | 3,218 |
| Pretax return on assets | 0.7730% | 3,331 |
| Return on Equity (ROE) | 8.8967% | 2,060 |
| Retained earnings to average equity (ytd only) | -11.0372% | 6,601 |
| Net charge-offs to loans | 0.7159% | 3,042 |
| Credit loss provision to net charge-offs | 143.9448% | 3,324 |
| Earnings coverage of net charge-offs (x) | 2.9467% | 3,606 |
| Efficiency ratio | 67.5037% | 5,095 |
| Assets per employee ($millions) | 3.8245% | 4,220 |
| Cash dividends to net income (ytd only)* | 224.0587% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 5,270 |
| Loan loss allowance to noncurrent loans | 73.2456% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0456% | 5,006 |
| Noncurrent loans to loans | 1.6583% | 4,158 |
| Net loans and leases to total assets | 60.0631% | 5,324 |
| Net loans and leases to deposits | 77.3705% | 4,490 |
| Net loans and leases to core deposits | 92.8252% | 4,802 |
| Total domestic deposits to total assets | 77.6305% | 6,314 |
| Equity capital to assets | 6.8441% | 7,447 |
| Core capital (leverage) ratio | 6.5206% | 7,482 |
| Tier 1 risk-based capital ratio | 10.1961% | 6,688 |
| Total risk-based capital ratio | 11.3588% | 6,748 |
| Memoranda: | ||
| Average total assets | $951,414,000 | 702 |
| Average earning assets | $888,701,000 | 679 |
| Average equity | $68,957,800 | 954 |
| Average total loans | $587,114,800 | 813 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6087% | 3,817 |
| Cost of funding earning assets | 1.9127% | 3,811 |
| Net interest margin | 3.6960% | 4,092 |
| Noninterest income to average assets | 0.5232% | 4,293 |
| Noninterest expense to average assets | 2.7171% | 5,253 |
| Loan and lease loss provision to assets | 0.4332% | 3,737 |
| Net operating income to assets | 0.6668% | 3,327 |
| Return on assets (ROA) | 0.7246% | 3,187 |
| Pretax return on assets | 0.9005% | 3,226 |
| Return on Equity (ROE) | 9.8512% | 1,975 |
| Retained earnings to average equity (ytd only) | -16.6922% | 7,218 |
| Net charge-offs to loans | 0.3194% | 4,040 |
| Credit loss provision to net charge-offs | 218.9519% | 2,005 |
| Earnings coverage of net charge-offs (x) | 6.3754% | 2,621 |
| Efficiency ratio | 68.2957% | 4,904 |
| Assets per employee ($millions) | 3.7458% | 4,323 |
| Cash dividends to net income (ytd only)* | 269.4433% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 5,238 |
| Loan loss allowance to noncurrent loans | 57.0411% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.2919% | 4,493 |
| Noncurrent loans to loans | 2.0659% | 3,543 |
| Net loans and leases to total assets | 60.2294% | 5,549 |
| Net loans and leases to deposits | 81.2337% | 4,161 |
| Net loans and leases to core deposits | 98.5076% | 4,551 |
| Total domestic deposits to total assets | 74.1433% | 6,921 |
| Equity capital to assets | 6.9273% | 7,628 |
| Core capital (leverage) ratio | 6.5481% | 7,652 |
| Tier 1 risk-based capital ratio | 10.0153% | 6,966 |
| Total risk-based capital ratio | 11.1546% | 7,017 |
| Memoranda: | ||
| Average total assets | $938,762,500 | 727 |
| Average earning assets | $877,620,000 | 705 |
| Average equity | $69,052,500 | 960 |
| Average total loans | $581,582,500 | 836 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6792% | 3,666 |
| Cost of funding earning assets | 1.9662% | 3,936 |
| Net interest margin | 3.7130% | 3,899 |
| Noninterest income to average assets | 0.5086% | 4,371 |
| Noninterest expense to average assets | 2.7372% | 5,230 |
| Loan and lease loss provision to assets | 0.3271% | 3,979 |
| Net operating income to assets | 0.7175% | 3,176 |
| Return on assets (ROA) | 0.8052% | 2,929 |
| Pretax return on assets | 1.0196% | 2,930 |
| Return on Equity (ROE) | 10.7186% | 1,784 |
| Retained earnings to average equity (ytd only) | -27.4585% | 7,646 |
| Net charge-offs to loans | 0.1445% | 4,737 |
| Credit loss provision to net charge-offs | 363.1961% | 1,278 |
| Earnings coverage of net charge-offs (x) | 13.7191% | 1,715 |
| Efficiency ratio | 68.8972% | 4,995 |
| Assets per employee ($millions) | 3.6221% | 4,514 |
| Cash dividends to net income (ytd only)* | 356.1755% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,462 |
| Loan loss allowance to noncurrent loans | 59.4077% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.2198% | 4,497 |
| Noncurrent loans to loans | 1.8842% | 3,687 |
| Net loans and leases to total assets | 62.0439% | 5,354 |
| Net loans and leases to deposits | 82.1412% | 4,203 |
| Net loans and leases to core deposits | 98.5341% | 4,650 |
| Total domestic deposits to total assets | 75.5332% | 6,653 |
| Equity capital to assets | 6.9309% | 7,644 |
| Core capital (leverage) ratio | 6.7770% | 7,673 |
| Tier 1 risk-based capital ratio | 10.2140% | 6,697 |
| Total risk-based capital ratio | 11.2894% | 6,800 |
| Memoranda: | ||
| Average total assets | $917,057,000 | 767 |
| Average earning assets | $855,645,330 | 740 |
| Average equity | $68,889,330 | 968 |
| Average total loans | $571,496,670 | 873 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6988% | 3,813 |
| Cost of funding earning assets | 2.0490% | 3,882 |
| Net interest margin | 3.6498% | 4,103 |
| Noninterest income to average assets | 0.4953% | 4,364 |
| Noninterest expense to average assets | 2.5673% | 5,583 |
| Loan and lease loss provision to assets | 0.1994% | 4,445 |
| Net operating income to assets | 0.8798% | 2,792 |
| Return on assets (ROA) | 0.8798% | 2,934 |
| Pretax return on assets | 1.1306% | 2,870 |
| Return on Equity (ROE) | 11.2565% | 1,896 |
| Retained earnings to average equity (ytd only) | -56.7587% | 8,057 |
| Net charge-offs to loans | 0.1199% | 4,014 |
| Credit loss provision to net charge-offs | 267.8571% | 1,772 |
| Earnings coverage of net charge-offs (x) | 17.8690% | 1,486 |
| Efficiency ratio | 65.8747% | 5,351 |
| Assets per employee ($millions) | 3.5917% | 4,584 |
| Cash dividends to net income (ytd only)* | 604.2296% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 5,992 |
| Loan loss allowance to noncurrent loans | 60.8256% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 4,564 |
| Noncurrent loans to loans | 1.6847% | 3,729 |
| Net loans and leases to total assets | 60.8182% | 5,527 |
| Net loans and leases to deposits | 83.3364% | 4,085 |
| Net loans and leases to core deposits | 98.1149% | 4,729 |
| Total domestic deposits to total assets | 72.9791% | 7,056 |
| Equity capital to assets | 7.1196% | 7,613 |
| Core capital (leverage) ratio | 7.0013% | 7,633 |
| Tier 1 risk-based capital ratio | 10.5287% | 6,369 |
| Total risk-based capital ratio | 11.5077% | 6,562 |
| Memoranda: | ||
| Average total assets | $902,897,500 | 780 |
| Average earning assets | $841,579,500 | 753 |
| Average equity | $70,572,500 | 954 |
| Average total loans | $560,651,000 | 898 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9709% | 5,698 |
| Cost of funding earning assets | 2.5685% | 3,860 |
| Net interest margin | 3.4024% | 5,650 |
| Noninterest income to average assets | 0.5781% | 4,022 |
| Noninterest expense to average assets | 2.4719% | 6,121 |
| Loan and lease loss provision to assets | 0.1690% | 5,213 |
| Net operating income to assets | 0.9123% | 2,952 |
| Return on assets (ROA) | 0.6973% | 3,739 |
| Pretax return on assets | 0.8265% | 3,972 |
| Return on Equity (ROE) | 8.3809% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.3809% | 739 |
| Net charge-offs to loans | 0.2542% | 3,733 |
| Credit loss provision to net charge-offs | 107.0083% | 5,017 |
| Earnings coverage of net charge-offs (x) | 7.9224% | 2,991 |
| Efficiency ratio | 66.3885% | 5,040 |
| Assets per employee ($millions) | 3.3813% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 5,979 |
| Loan loss allowance to noncurrent loans | 104.0472% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 5,360 |
| Noncurrent loans to loans | 0.9670% | 4,663 |
| Net loans and leases to total assets | 62.1447% | 5,605 |
| Net loans and leases to deposits | 84.1757% | 4,401 |
| Net loans and leases to core deposits | 98.7089% | 4,963 |
| Total domestic deposits to total assets | 73.8274% | 6,682 |
| Equity capital to assets | 8.5505% | 6,013 |
| Core capital (leverage) ratio | 8.3692% | 5,819 |
| Tier 1 risk-based capital ratio | 12.7145% | 4,282 |
| Total risk-based capital ratio | 13.6836% | 4,385 |
| Memoranda: | ||
| Average total assets | $840,044,200 | 805 |
| Average earning assets | $776,565,600 | 798 |
| Average equity | $69,897,400 | 957 |
| Average total loans | $522,069,200 | 908 |