Home > Bank First, N.A. > Performance and Condition Ratios
Bank First, N.A., Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 2,191 |
| Cost of funding earning assets | 1.8025% | 2,718 |
| Net interest margin | 3.6704% | 1,747 |
| Noninterest income to average assets | 0.4800% | 2,039 |
| Noninterest expense to average assets | 1.8146% | 3,935 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 1.5916% | 783 |
| Return on assets (ROA) | 1.5909% | 777 |
| Pretax return on assets | 1.9372% | 660 |
| Return on Equity (ROE) | 11.5900% | 1,717 |
| Retained earnings to average equity (ytd only) | -2.9086% | 4,204 |
| Net charge-offs to loans | -0.0129% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 44.9477% | 4,202 |
| Assets per employee ($millions) | 12.5851% | 370 |
| Cash dividends to net income (ytd only)* | 125.0865% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 1,893 |
| Loan loss allowance to noncurrent loans | 519.6681% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,430 |
| Noncurrent loans to loans | 0.2413% | 2,544 |
| Net loans and leases to total assets | 77.3700% | 966 |
| Net loans and leases to deposits | 93.0957% | 934 |
| Net loans and leases to core deposits | 97.9068% | 1,596 |
| Total domestic deposits to total assets | 83.1100% | 3,002 |
| Equity capital to assets | 12.9209% | 906 |
| Core capital (leverage) ratio | 9.5447% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1755% | 2,475 |
| Memoranda: | ||
| Average total assets | $4,249,330,800 | 321 |
| Average earning assets | $3,771,386,800 | 319 |
| Average equity | $583,073,600 | 257 |
| Average total loans | $3,431,426,200 | 284 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4841% | 2,110 |
| Cost of funding earning assets | 1.7942% | 2,728 |
| Net interest margin | 3.6899% | 1,654 |
| Noninterest income to average assets | 0.5000% | 1,897 |
| Noninterest expense to average assets | 1.8525% | 3,843 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.5794% | 835 |
| Return on assets (ROA) | 1.5783% | 837 |
| Pretax return on assets | 1.9057% | 749 |
| Return on Equity (ROE) | 11.3200% | 1,807 |
| Retained earnings to average equity (ytd only) | -4.5640% | 4,320 |
| Net charge-offs to loans | -0.0197% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 45.4688% | 4,178 |
| Assets per employee ($millions) | 11.7923% | 450 |
| Cash dividends to net income (ytd only)* | 140.3005% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 1,712 |
| Loan loss allowance to noncurrent loans | 404.7990% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 2,112 |
| Noncurrent loans to loans | 0.3214% | 2,311 |
| Net loans and leases to total assets | 79.9100% | 643 |
| Net loans and leases to deposits | 96.7026% | 671 |
| Net loans and leases to core deposits | 101.9995% | 1,365 |
| Total domestic deposits to total assets | 82.6400% | 2,949 |
| Equity capital to assets | 13.5214% | 830 |
| Core capital (leverage) ratio | 9.7414% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1799% | 2,498 |
| Memoranda: | ||
| Average total assets | $4,188,439,500 | 314 |
| Average earning assets | $3,711,288,250 | 318 |
| Average equity | $583,711,250 | 253 |
| Average total loans | $3,409,218,750 | 280 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 2,231 |
| Cost of funding earning assets | 1.7366% | 2,787 |
| Net interest margin | 3.6238% | 1,745 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 1.8613% | 3,829 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.5694% | 822 |
| Return on assets (ROA) | 1.5671% | 831 |
| Pretax return on assets | 1.8551% | 787 |
| Return on Equity (ROE) | 11.1300% | 1,839 |
| Retained earnings to average equity (ytd only) | -6.3107% | 4,356 |
| Net charge-offs to loans | -0.0478% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 46.0784% | 4,181 |
| Assets per employee ($millions) | 11.1693% | 513 |
| Cash dividends to net income (ytd only)* | 156.6965% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 1,667 |
| Loan loss allowance to noncurrent loans | 422.9284% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 2,065 |
| Noncurrent loans to loans | 0.3109% | 2,262 |
| Net loans and leases to total assets | 81.7100% | 495 |
| Net loans and leases to deposits | 98.2109% | 644 |
| Net loans and leases to core deposits | 102.7503% | 1,318 |
| Total domestic deposits to total assets | 83.2000% | 2,826 |
| Equity capital to assets | 13.9735% | 681 |
| Core capital (leverage) ratio | 10.0735% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3157% | 2,486 |
| Memoranda: | ||
| Average total assets | $4,153,790,333 | 321 |
| Average earning assets | $3,679,543,333 | 320 |
| Average equity | $584,817,667 | 243 |
| Average total loans | $3,387,194,667 | 282 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3539% | 2,094 |
| Cost of funding earning assets | 1.7127% | 2,741 |
| Net interest margin | 3.6412% | 1,659 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 1.9002% | 3,778 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.5355% | 846 |
| Return on assets (ROA) | 1.5327% | 861 |
| Pretax return on assets | 1.7256% | 925 |
| Return on Equity (ROE) | 10.8500% | 1,890 |
| Retained earnings to average equity (ytd only) | -13.6564% | 4,381 |
| Net charge-offs to loans | -0.0676% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 48.1308% | 4,095 |
| Assets per employee ($millions) | 11.3516% | 505 |
| Cash dividends to net income (ytd only)* | 225.9178% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 1,710 |
| Loan loss allowance to noncurrent loans | 449.3065% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 1,889 |
| Noncurrent loans to loans | 0.2918% | 2,271 |
| Net loans and leases to total assets | 81.5100% | 469 |
| Net loans and leases to deposits | 96.5470% | 676 |
| Net loans and leases to core deposits | 100.8522% | 1,370 |
| Total domestic deposits to total assets | 84.4300% | 2,594 |
| Equity capital to assets | 14.0897% | 667 |
| Core capital (leverage) ratio | 9.9056% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2444% | 2,515 |
| Memoranda: | ||
| Average total assets | $4,158,778,500 | 321 |
| Average earning assets | $3,681,210,000 | 320 |
| Average equity | $587,709,500 | 247 |
| Average total loans | $3,365,337,000 | 286 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0973% | 1,856 |
| Cost of funding earning assets | 1.2677% | 2,609 |
| Net interest margin | 3.8296% | 1,515 |
| Noninterest income to average assets | 1.3800% | 430 |
| Noninterest expense to average assets | 1.8735% | 3,889 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 2.1029% | 397 |
| Return on assets (ROA) | 1.9495% | 475 |
| Pretax return on assets | 2.5900% | 306 |
| Return on Equity (ROE) | 14.0600% | 1,473 |
| Retained earnings to average equity (ytd only) | 1.8319% | 3,614 |
| Net charge-offs to loans | -0.0040% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 35.9733% | 4,437 |
| Assets per employee ($millions) | 11.1336% | 520 |
| Cash dividends to net income (ytd only)* | 86.9730% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 1,747 |
| Loan loss allowance to noncurrent loans | 665.1769% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 2,144 |
| Noncurrent loans to loans | 0.1959% | 2,532 |
| Net loans and leases to total assets | 78.2600% | 843 |
| Net loans and leases to deposits | 95.1578% | 855 |
| Net loans and leases to core deposits | 99.2749% | 1,470 |
| Total domestic deposits to total assets | 82.2400% | 3,080 |
| Equity capital to assets | 14.1726% | 648 |
| Core capital (leverage) ratio | 10.3973% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9120% | 2,267 |
| Memoranda: | ||
| Average total assets | $4,044,228,600 | 316 |
| Average earning assets | $3,580,002,000 | 318 |
| Average equity | $560,664,200 | 245 |
| Average total loans | $3,247,798,800 | 283 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0349% | 1,764 |
| Cost of funding earning assets | 1.1818% | 2,485 |
| Net interest margin | 3.8530% | 1,490 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.8969% | 3,807 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.4098% | 1,296 |
| Return on assets (ROA) | 1.4084% | 1,285 |
| Pretax return on assets | 1.8802% | 888 |
| Return on Equity (ROE) | 10.2200% | 2,578 |
| Retained earnings to average equity (ytd only) | -0.3862% | 4,194 |
| Net charge-offs to loans | -0.0052% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.3970% | 4,209 |
| Assets per employee ($millions) | 10.6150% | 556 |
| Cash dividends to net income (ytd only)* | 103.7792% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 1,893 |
| Loan loss allowance to noncurrent loans | 1,276.5588% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 2,699 |
| Noncurrent loans to loans | 0.1013% | 3,069 |
| Net loans and leases to total assets | 81.0700% | 528 |
| Net loans and leases to deposits | 96.4671% | 723 |
| Net loans and leases to core deposits | 100.3545% | 1,299 |
| Total domestic deposits to total assets | 84.0400% | 2,761 |
| Equity capital to assets | 14.0736% | 639 |
| Core capital (leverage) ratio | 10.2037% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9438% | 2,628 |
| Memoranda: | ||
| Average total assets | $4,000,377,000 | 321 |
| Average earning assets | $3,543,741,250 | 327 |
| Average equity | $551,322,000 | 250 |
| Average total loans | $3,223,252,000 | 288 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9260% | 1,697 |
| Cost of funding earning assets | 1.0872% | 2,326 |
| Net interest margin | 3.8388% | 1,547 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 1.9102% | 3,795 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.3383% | 1,476 |
| Return on assets (ROA) | 1.3360% | 1,466 |
| Pretax return on assets | 1.7866% | 1,037 |
| Return on Equity (ROE) | 9.7600% | 2,774 |
| Retained earnings to average equity (ytd only) | 0.9846% | 3,919 |
| Net charge-offs to loans | -0.0082% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.8643% | 4,212 |
| Assets per employee ($millions) | 10.2791% | 619 |
| Cash dividends to net income (ytd only)* | 89.9171% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 1,893 |
| Loan loss allowance to noncurrent loans | 871.3167% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 2,316 |
| Noncurrent loans to loans | 0.1502% | 2,714 |
| Net loans and leases to total assets | 79.9900% | 625 |
| Net loans and leases to deposits | 95.5124% | 761 |
| Net loans and leases to core deposits | 98.9738% | 1,291 |
| Total domestic deposits to total assets | 83.7500% | 2,882 |
| Equity capital to assets | 14.2809% | 607 |
| Core capital (leverage) ratio | 10.2691% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2733% | 2,541 |
| Memoranda: | ||
| Average total assets | $3,971,574,333 | 312 |
| Average earning assets | $3,525,466,000 | 319 |
| Average equity | $543,377,333 | 248 |
| Average total loans | $3,178,768,333 | 282 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 1,870 |
| Cost of funding earning assets | 0.9359% | 2,256 |
| Net interest margin | 3.7560% | 1,782 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 1.9542% | 3,733 |
| Loan and lease loss provision to assets | 0.4300% | 185 |
| Net operating income to assets | 1.1750% | 2,007 |
| Return on assets (ROA) | 1.1694% | 1,992 |
| Pretax return on assets | 1.5621% | 1,551 |
| Return on Equity (ROE) | 8.7500% | 3,118 |
| Retained earnings to average equity (ytd only) | 1.0984% | 3,852 |
| Net charge-offs to loans | -0.0049% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.7790% | 4,230 |
| Assets per employee ($millions) | 10.7083% | 564 |
| Cash dividends to net income (ytd only)* | 87.4432% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,026 |
| Loan loss allowance to noncurrent loans | 832.6797% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,037 |
| Noncurrent loans to loans | 0.1564% | 2,707 |
| Net loans and leases to total assets | 78.8000% | 674 |
| Net loans and leases to deposits | 94.4824% | 759 |
| Net loans and leases to core deposits | 97.9077% | 1,179 |
| Total domestic deposits to total assets | 83.4000% | 3,222 |
| Equity capital to assets | 14.0388% | 595 |
| Core capital (leverage) ratio | 10.7866% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2019% | 2,662 |
| Memoranda: | ||
| Average total assets | $3,911,818,000 | 326 |
| Average earning assets | $3,486,963,000 | 328 |
| Average equity | $522,944,000 | 258 |
| Average total loans | $3,110,132,000 | 293 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 1,766 |
| Cost of funding earning assets | 0.3892% | 2,182 |
| Net interest margin | 3.5885% | 1,679 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 1.8592% | 3,908 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.4748% | 947 |
| Return on assets (ROA) | 1.4745% | 911 |
| Pretax return on assets | 1.9487% | 530 |
| Return on Equity (ROE) | 12.5000% | 1,977 |
| Retained earnings to average equity (ytd only) | 6.6432% | 2,389 |
| Net charge-offs to loans | -0.0065% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.1047% | 4,337 |
| Assets per employee ($millions) | 11.1869% | 481 |
| Cash dividends to net income (ytd only)* | 46.8689% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,069 |
| Loan loss allowance to noncurrent loans | 581.3894% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 2,317 |
| Noncurrent loans to loans | 0.1348% | 2,841 |
| Net loans and leases to total assets | 78.5100% | 751 |
| Net loans and leases to deposits | 93.3984% | 818 |
| Net loans and leases to core deposits | 96.7709% | 1,159 |
| Total domestic deposits to total assets | 84.0600% | 3,197 |
| Equity capital to assets | 12.6049% | 783 |
| Core capital (leverage) ratio | 9.9266% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7493% | 2,802 |
| Memoranda: | ||
| Average total assets | $3,224,062,000 | 370 |
| Average earning assets | $2,929,703,800 | 370 |
| Average equity | $380,211,000 | 322 |
| Average total loans | $2,539,132,600 | 315 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 1,783 |
| Cost of funding earning assets | 0.3116% | 2,045 |
| Net interest margin | 3.4810% | 1,720 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 1.8468% | 3,883 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4595% | 934 |
| Return on assets (ROA) | 1.4591% | 916 |
| Pretax return on assets | 1.9360% | 539 |
| Return on Equity (ROE) | 12.6300% | 1,827 |
| Retained earnings to average equity (ytd only) | 6.3830% | 2,602 |
| Net charge-offs to loans | -0.0560% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.4087% | 4,356 |
| Assets per employee ($millions) | 10.8629% | 515 |
| Cash dividends to net income (ytd only)* | 49.4530% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 4,082 |
| Loan loss allowance to noncurrent loans | 460.3476% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 2,402 |
| Noncurrent loans to loans | 0.1751% | 2,714 |
| Net loans and leases to total assets | 77.9400% | 710 |
| Net loans and leases to deposits | 90.0370% | 887 |
| Net loans and leases to core deposits | 91.9932% | 1,180 |
| Total domestic deposits to total assets | 86.5600% | 2,901 |
| Equity capital to assets | 12.3782% | 801 |
| Core capital (leverage) ratio | 10.5896% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5244% | 2,939 |
| Memoranda: | ||
| Average total assets | $3,115,548,500 | 381 |
| Average earning assets | $2,839,866,750 | 380 |
| Average equity | $359,988,500 | 339 |
| Average total loans | $2,450,259,250 | 320 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 1,502 |
| Cost of funding earning assets | 0.2885% | 1,814 |
| Net interest margin | 3.4266% | 1,524 |
| Noninterest income to average assets | 0.7343% | 1,220 |
| Noninterest expense to average assets | 1.7062% | 4,138 |
| Loan and lease loss provision to assets | 0.1156% | 868 |
| Net operating income to assets | 1.5473% | 624 |
| Return on assets (ROA) | 1.5466% | 608 |
| Pretax return on assets | 2.0504% | 340 |
| Return on Equity (ROE) | 13.7906% | 1,168 |
| Retained earnings to average equity (ytd only) | 3.7855% | 3,168 |
| Net charge-offs to loans | -0.0590% | 4,301 |
| Credit loss provision to net charge-offs | -248.9019% | 3,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0224% | 4,540 |
| Assets per employee ($millions) | 10.3882% | 588 |
| Cash dividends to net income (ytd only)* | 72.5498% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 3,792 |
| Loan loss allowance to noncurrent loans | 411.9419% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 2,426 |
| Noncurrent loans to loans | 0.2307% | 2,566 |
| Net loans and leases to total assets | 79.9036% | 412 |
| Net loans and leases to deposits | 90.6973% | 678 |
| Net loans and leases to core deposits | 92.2810% | 1,002 |
| Total domestic deposits to total assets | 88.0993% | 2,534 |
| Equity capital to assets | 10.9869% | 1,216 |
| Core capital (leverage) ratio | 8.9148% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6963% | 2,882 |
| Memoranda: | ||
| Average total assets | $2,941,039,000 | 390 |
| Average earning assets | $2,693,959,333 | 395 |
| Average equity | $329,833,667 | 366 |
| Average total loans | $2,313,905,667 | 325 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 1,501 |
| Cost of funding earning assets | 0.2603% | 2,041 |
| Net interest margin | 3.3418% | 1,465 |
| Noninterest income to average assets | 0.7146% | 1,271 |
| Noninterest expense to average assets | 1.6916% | 4,144 |
| Loan and lease loss provision to assets | 0.1638% | 480 |
| Net operating income to assets | 1.4411% | 725 |
| Return on assets (ROA) | 1.4406% | 722 |
| Pretax return on assets | 1.9251% | 421 |
| Return on Equity (ROE) | 12.7151% | 1,104 |
| Retained earnings to average equity (ytd only) | 3.6819% | 3,046 |
| Net charge-offs to loans | -0.0411% | 4,192 |
| Credit loss provision to net charge-offs | -512.8205% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6821% | 4,563 |
| Assets per employee ($millions) | 10.4836% | 599 |
| Cash dividends to net income (ytd only)* | 71.0429% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 3,931 |
| Loan loss allowance to noncurrent loans | 399.2107% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 2,513 |
| Noncurrent loans to loans | 0.2351% | 2,649 |
| Net loans and leases to total assets | 78.4740% | 342 |
| Net loans and leases to deposits | 89.5185% | 534 |
| Net loans and leases to core deposits | 91.1616% | 866 |
| Total domestic deposits to total assets | 87.6624% | 2,682 |
| Equity capital to assets | 11.2665% | 1,210 |
| Core capital (leverage) ratio | 8.7811% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9415% | 2,899 |
| Memoranda: | ||
| Average total assets | $2,931,237,000 | 394 |
| Average earning assets | $2,689,535,500 | 398 |
| Average equity | $332,109,000 | 374 |
| Average total loans | $2,276,679,000 | 327 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 1,918 |
| Cost of funding earning assets | 0.2912% | 2,493 |
| Net interest margin | 3.4914% | 1,762 |
| Noninterest income to average assets | 0.8309% | 1,375 |
| Noninterest expense to average assets | 1.7321% | 4,252 |
| Loan and lease loss provision to assets | 0.1094% | 1,154 |
| Net operating income to assets | 1.6606% | 690 |
| Return on assets (ROA) | 1.6605% | 722 |
| Pretax return on assets | 2.1943% | 419 |
| Return on Equity (ROE) | 14.4501% | 1,074 |
| Retained earnings to average equity (ytd only) | 7.5823% | 1,697 |
| Net charge-offs to loans | 0.0200% | 1,875 |
| Credit loss provision to net charge-offs | 699.7743% | 663 |
| Earnings coverage of net charge-offs (x) | 147.3476% | 667 |
| Efficiency ratio | 41.6888% | 4,647 |
| Assets per employee ($millions) | 10.2353% | 622 |
| Cash dividends to net income (ytd only)* | 47.5281% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,046 |
| Loan loss allowance to noncurrent loans | 234.3137% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 2,034 |
| Noncurrent loans to loans | 0.3877% | 2,193 |
| Net loans and leases to total assets | 75.4366% | 552 |
| Net loans and leases to deposits | 87.4275% | 681 |
| Net loans and leases to core deposits | 89.2624% | 1,000 |
| Total domestic deposits to total assets | 86.2848% | 2,808 |
| Equity capital to assets | 11.3932% | 1,558 |
| Core capital (leverage) ratio | 9.7180% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2084% | 2,836 |
| Memoranda: | ||
| Average total assets | $2,833,339,000 | 392 |
| Average earning assets | $2,600,999,000 | 392 |
| Average equity | $325,588,800 | 373 |
| Average total loans | $2,219,518,600 | 336 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 2,022 |
| Cost of funding earning assets | 0.3078% | 2,524 |
| Net interest margin | 3.4888% | 1,896 |
| Noninterest income to average assets | 0.8559% | 1,362 |
| Noninterest expense to average assets | 1.7110% | 4,314 |
| Loan and lease loss provision to assets | 0.1187% | 999 |
| Net operating income to assets | 1.6849% | 859 |
| Return on assets (ROA) | 1.6848% | 902 |
| Pretax return on assets | 2.2271% | 519 |
| Return on Equity (ROE) | 14.6289% | 1,216 |
| Retained earnings to average equity (ytd only) | 8.5004% | 1,877 |
| Net charge-offs to loans | -0.0048% | 3,422 |
| Credit loss provision to net charge-offs | -3,164.5570% | 4,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9405% | 4,695 |
| Assets per employee ($millions) | 9.4867% | 776 |
| Cash dividends to net income (ytd only)* | 41.8927% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 4,115 |
| Loan loss allowance to noncurrent loans | 170.6180% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 1,771 |
| Noncurrent loans to loans | 0.5363% | 1,973 |
| Net loans and leases to total assets | 76.9948% | 475 |
| Net loans and leases to deposits | 88.5122% | 688 |
| Net loans and leases to core deposits | 90.4706% | 1,007 |
| Total domestic deposits to total assets | 86.9878% | 2,356 |
| Equity capital to assets | 11.6433% | 1,581 |
| Core capital (leverage) ratio | 9.6748% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3254% | 2,897 |
| Memoranda: | ||
| Average total assets | $2,807,287,500 | 396 |
| Average earning assets | $2,575,665,500 | 398 |
| Average equity | $323,316,000 | 376 |
| Average total loans | $2,215,323,250 | 337 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 2,119 |
| Cost of funding earning assets | 0.3253% | 2,539 |
| Net interest margin | 3.4549% | 1,991 |
| Noninterest income to average assets | 0.9297% | 1,197 |
| Noninterest expense to average assets | 1.7130% | 4,344 |
| Loan and lease loss provision to assets | 0.1324% | 934 |
| Net operating income to assets | 1.7070% | 861 |
| Return on assets (ROA) | 1.7070% | 915 |
| Pretax return on assets | 2.2533% | 520 |
| Return on Equity (ROE) | 14.8769% | 1,192 |
| Retained earnings to average equity (ytd only) | 10.0739% | 1,372 |
| Net charge-offs to loans | -0.0035% | 3,327 |
| Credit loss provision to net charge-offs | -4,743.5897% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5679% | 4,734 |
| Assets per employee ($millions) | 9.3343% | 763 |
| Cash dividends to net income (ytd only)* | 32.2851% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 4,217 |
| Loan loss allowance to noncurrent loans | 158.1728% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 1,848 |
| Noncurrent loans to loans | 0.5546% | 2,012 |
| Net loans and leases to total assets | 78.3517% | 419 |
| Net loans and leases to deposits | 90.1829% | 642 |
| Net loans and leases to core deposits | 92.4572% | 980 |
| Total domestic deposits to total assets | 86.8809% | 2,391 |
| Equity capital to assets | 11.6208% | 1,560 |
| Core capital (leverage) ratio | 9.4971% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1452% | 2,935 |
| Memoranda: | ||
| Average total assets | $2,794,383,333 | 397 |
| Average earning assets | $2,563,144,667 | 396 |
| Average equity | $320,632,000 | 373 |
| Average total loans | $2,216,594,333 | 337 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 1,995 |
| Cost of funding earning assets | 0.3406% | 2,609 |
| Net interest margin | 3.4941% | 1,843 |
| Noninterest income to average assets | 0.9120% | 1,296 |
| Noninterest expense to average assets | 1.7316% | 4,321 |
| Loan and lease loss provision to assets | 0.1294% | 1,057 |
| Net operating income to assets | 1.7059% | 926 |
| Return on assets (ROA) | 1.7059% | 978 |
| Pretax return on assets | 2.2530% | 631 |
| Return on Equity (ROE) | 14.9642% | 1,221 |
| Retained earnings to average equity (ytd only) | 14.2075% | 737 |
| Net charge-offs to loans | 0.0049% | 1,738 |
| Credit loss provision to net charge-offs | 3,333.3333% | 167 |
| Earnings coverage of net charge-offs (x) | 613.7037% | 163 |
| Efficiency ratio | 40.8646% | 4,722 |
| Assets per employee ($millions) | 9.5190% | 693 |
| Cash dividends to net income (ytd only)* | 5.0569% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 4,342 |
| Loan loss allowance to noncurrent loans | 134.3508% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 1,834 |
| Noncurrent loans to loans | 0.6187% | 2,019 |
| Net loans and leases to total assets | 77.6736% | 486 |
| Net loans and leases to deposits | 90.3104% | 685 |
| Net loans and leases to core deposits | 93.0791% | 1,041 |
| Total domestic deposits to total assets | 86.0073% | 2,735 |
| Equity capital to assets | 11.3194% | 1,647 |
| Core capital (leverage) ratio | 9.6028% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0782% | 2,918 |
| Memoranda: | ||
| Average total assets | $2,782,101,500 | 397 |
| Average earning assets | $2,549,574,500 | 395 |
| Average equity | $317,156,500 | 371 |
| Average total loans | $2,210,771,000 | 338 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 1,438 |
| Cost of funding earning assets | 0.5778% | 2,463 |
| Net interest margin | 3.8724% | 1,296 |
| Noninterest income to average assets | 0.8197% | 1,477 |
| Noninterest expense to average assets | 2.0348% | 4,074 |
| Loan and lease loss provision to assets | 0.2868% | 1,323 |
| Net operating income to assets | 1.5364% | 732 |
| Return on assets (ROA) | 1.6392% | 632 |
| Pretax return on assets | 2.1557% | 324 |
| Return on Equity (ROE) | 14.2968% | 746 |
| Retained earnings to average equity (ytd only) | 6.7806% | 1,466 |
| Net charge-offs to loans | 0.0431% | 2,196 |
| Credit loss provision to net charge-offs | 825.6083% | 878 |
| Earnings coverage of net charge-offs (x) | 66.5585% | 1,008 |
| Efficiency ratio | 45.2924% | 4,741 |
| Assets per employee ($millions) | 8.6561% | 844 |
| Cash dividends to net income (ytd only)* | 52.5726% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,416 |
| Loan loss allowance to noncurrent loans | 158.4245% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 2,124 |
| Noncurrent loans to loans | 0.5084% | 2,448 |
| Net loans and leases to total assets | 80.0075% | 427 |
| Net loans and leases to deposits | 93.6275% | 681 |
| Net loans and leases to core deposits | 96.9523% | 1,064 |
| Total domestic deposits to total assets | 85.4531% | 2,588 |
| Equity capital to assets | 11.4842% | 1,897 |
| Core capital (leverage) ratio | 9.4581% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7324% | 2,986 |
| Memoranda: | ||
| Average total assets | $2,483,987,000 | 398 |
| Average earning assets | $2,262,815,000 | 394 |
| Average equity | $284,797,200 | 388 |
| Average total loans | $2,001,497,600 | 352 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4438% | 1,721 |
| Cost of funding earning assets | 0.6392% | 2,380 |
| Net interest margin | 3.8046% | 1,606 |
| Noninterest income to average assets | 0.7476% | 1,653 |
| Noninterest expense to average assets | 2.0270% | 4,093 |
| Loan and lease loss provision to assets | 0.3010% | 1,340 |
| Net operating income to assets | 1.4459% | 1,005 |
| Return on assets (ROA) | 1.5863% | 825 |
| Pretax return on assets | 2.0615% | 455 |
| Return on Equity (ROE) | 13.8419% | 905 |
| Retained earnings to average equity (ytd only) | 4.7382% | 2,676 |
| Net charge-offs to loans | 0.0377% | 2,091 |
| Credit loss provision to net charge-offs | 990.0542% | 830 |
| Earnings coverage of net charge-offs (x) | 71.8698% | 977 |
| Efficiency ratio | 46.6731% | 4,682 |
| Assets per employee ($millions) | 8.4863% | 846 |
| Cash dividends to net income (ytd only)* | 65.7691% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7438% | 4,495 |
| Loan loss allowance to noncurrent loans | 91.2487% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8012% | 1,439 |
| Noncurrent loans to loans | 0.8151% | 1,790 |
| Net loans and leases to total assets | 82.5072% | 397 |
| Net loans and leases to deposits | 95.7910% | 774 |
| Net loans and leases to core deposits | 99.5269% | 1,189 |
| Total domestic deposits to total assets | 86.1325% | 2,014 |
| Equity capital to assets | 11.4763% | 2,026 |
| Core capital (leverage) ratio | 9.2519% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7220% | 2,984 |
| Memoranda: | ||
| Average total assets | $2,425,481,750 | 400 |
| Average earning assets | $2,208,447,750 | 394 |
| Average equity | $277,961,000 | 390 |
| Average total loans | $1,953,804,750 | 355 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 2,077 |
| Cost of funding earning assets | 0.7287% | 2,244 |
| Net interest margin | 3.7216% | 2,088 |
| Noninterest income to average assets | 0.7174% | 1,678 |
| Noninterest expense to average assets | 2.1199% | 3,985 |
| Loan and lease loss provision to assets | 0.3504% | 1,207 |
| Net operating income to assets | 1.2702% | 1,434 |
| Return on assets (ROA) | 1.4872% | 1,026 |
| Pretax return on assets | 1.9088% | 664 |
| Return on Equity (ROE) | 12.9841% | 1,101 |
| Retained earnings to average equity (ytd only) | -0.7958% | 4,446 |
| Net charge-offs to loans | -0.0587% | 4,723 |
| Credit loss provision to net charge-offs | -750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2080% | 4,492 |
| Assets per employee ($millions) | 8.6569% | 765 |
| Cash dividends to net income (ytd only)* | 106.1293% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 4,439 |
| Loan loss allowance to noncurrent loans | 69.5173% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 1,267 |
| Noncurrent loans to loans | 1.0923% | 1,435 |
| Net loans and leases to total assets | 79.0328% | 718 |
| Net loans and leases to deposits | 92.7465% | 1,073 |
| Net loans and leases to core deposits | 96.5743% | 1,532 |
| Total domestic deposits to total assets | 85.2138% | 2,300 |
| Equity capital to assets | 10.9684% | 2,374 |
| Core capital (leverage) ratio | 9.1773% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4178% | 3,099 |
| Memoranda: | ||
| Average total assets | $2,354,226,667 | 405 |
| Average earning assets | $2,142,650,333 | 400 |
| Average equity | $269,652,333 | 395 |
| Average total loans | $1,873,777,333 | 363 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 1,822 |
| Cost of funding earning assets | 0.8837% | 1,953 |
| Net interest margin | 3.7748% | 2,069 |
| Noninterest income to average assets | 0.7067% | 1,630 |
| Noninterest expense to average assets | 2.0765% | 4,268 |
| Loan and lease loss provision to assets | 0.1771% | 1,674 |
| Net operating income to assets | 1.5224% | 740 |
| Return on assets (ROA) | 1.5224% | 810 |
| Pretax return on assets | 1.8813% | 588 |
| Return on Equity (ROE) | 12.9604% | 891 |
| Retained earnings to average equity (ytd only) | 12.1147% | 412 |
| Net charge-offs to loans | -0.1360% | 4,884 |
| Credit loss provision to net charge-offs | -163.5906% | 3,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7526% | 4,723 |
| Assets per employee ($millions) | 7.7414% | 818 |
| Cash dividends to net income (ytd only)* | 6.5251% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 4,552 |
| Loan loss allowance to noncurrent loans | 175.4906% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4626% | 2,618 |
| Noncurrent loans to loans | 0.4180% | 2,994 |
| Net loans and leases to total assets | 79.8217% | 716 |
| Net loans and leases to deposits | 94.9923% | 999 |
| Net loans and leases to core deposits | 98.9762% | 1,555 |
| Total domestic deposits to total assets | 84.0296% | 2,782 |
| Equity capital to assets | 11.9694% | 2,093 |
| Core capital (leverage) ratio | 9.9110% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1052% | 3,314 |
| Memoranda: | ||
| Average total assets | $2,202,504,500 | 414 |
| Average earning assets | $2,000,318,500 | 411 |
| Average equity | $258,727,000 | 403 |
| Average total loans | $1,752,414,500 | 371 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 1,519 |
| Cost of funding earning assets | 1.0432% | 1,543 |
| Net interest margin | 3.9434% | 2,022 |
| Noninterest income to average assets | 0.6062% | 2,189 |
| Noninterest expense to average assets | 2.1439% | 4,282 |
| Loan and lease loss provision to assets | 0.2689% | 672 |
| Net operating income to assets | 1.4004% | 1,341 |
| Return on assets (ROA) | 1.4260% | 1,323 |
| Pretax return on assets | 1.8371% | 863 |
| Return on Equity (ROE) | 13.0086% | 1,165 |
| Retained earnings to average equity (ytd only) | 5.3772% | 2,233 |
| Net charge-offs to loans | 0.3945% | 495 |
| Credit loss provision to net charge-offs | 86.0374% | 2,710 |
| Earnings coverage of net charge-offs (x) | 6.6350% | 2,955 |
| Efficiency ratio | 49.5361% | 4,755 |
| Assets per employee ($millions) | 7.7692% | 775 |
| Cash dividends to net income (ytd only)* | 58.6640% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 4,638 |
| Loan loss allowance to noncurrent loans | 209.1393% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 2,841 |
| Noncurrent loans to loans | 0.3137% | 3,315 |
| Net loans and leases to total assets | 78.2043% | 1,048 |
| Net loans and leases to deposits | 93.6062% | 1,195 |
| Net loans and leases to core deposits | 97.6162% | 1,761 |
| Total domestic deposits to total assets | 83.5461% | 3,005 |
| Equity capital to assets | 11.5252% | 2,511 |
| Core capital (leverage) ratio | 9.6671% | 3,883 |
| Tier 1 risk-based capital ratio | 10.1239% | 5,105 |
| Total risk-based capital ratio | 10.6896% | 5,146 |
| Memoranda: | ||
| Average total assets | $1,952,606,800 | 435 |
| Average earning assets | $1,788,085,600 | 433 |
| Average equity | $214,050,200 | 453 |
| Average total loans | $1,546,592,400 | 395 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 1,477 |
| Cost of funding earning assets | 1.0688% | 1,476 |
| Net interest margin | 3.9568% | 2,082 |
| Noninterest income to average assets | 0.6543% | 1,969 |
| Noninterest expense to average assets | 2.1822% | 4,215 |
| Loan and lease loss provision to assets | 0.2911% | 511 |
| Net operating income to assets | 1.4133% | 1,422 |
| Return on assets (ROA) | 1.4146% | 1,483 |
| Pretax return on assets | 1.8149% | 1,048 |
| Return on Equity (ROE) | 13.1004% | 1,244 |
| Retained earnings to average equity (ytd only) | 3.4923% | 3,660 |
| Net charge-offs to loans | 0.5552% | 301 |
| Credit loss provision to net charge-offs | 66.0846% | 2,661 |
| Earnings coverage of net charge-offs (x) | 4.7770% | 2,976 |
| Efficiency ratio | 49.7613% | 4,759 |
| Assets per employee ($millions) | 7.9027% | 718 |
| Cash dividends to net income (ytd only)* | 73.3423% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5903% | 4,842 |
| Loan loss allowance to noncurrent loans | 191.7660% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 2,946 |
| Noncurrent loans to loans | 0.3078% | 3,424 |
| Net loans and leases to total assets | 79.0810% | 977 |
| Net loans and leases to deposits | 92.8067% | 1,337 |
| Net loans and leases to core deposits | 96.7240% | 1,944 |
| Total domestic deposits to total assets | 85.2105% | 2,343 |
| Equity capital to assets | 11.5633% | 2,617 |
| Core capital (leverage) ratio | 9.7914% | 3,866 |
| Tier 1 risk-based capital ratio | 10.5636% | 5,060 |
| Total risk-based capital ratio | 11.1024% | 5,173 |
| Memoranda: | ||
| Average total assets | $1,889,147,750 | 448 |
| Average earning assets | $1,734,255,000 | 446 |
| Average equity | $203,988,250 | 471 |
| Average total loans | $1,499,008,250 | 407 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 2,041 |
| Cost of funding earning assets | 1.0805% | 1,377 |
| Net interest margin | 3.7257% | 2,853 |
| Noninterest income to average assets | 0.6799% | 1,798 |
| Noninterest expense to average assets | 2.1358% | 4,351 |
| Loan and lease loss provision to assets | 0.1250% | 1,488 |
| Net operating income to assets | 1.4341% | 1,337 |
| Return on assets (ROA) | 1.4361% | 1,380 |
| Pretax return on assets | 1.8572% | 922 |
| Return on Equity (ROE) | 13.6876% | 1,056 |
| Retained earnings to average equity (ytd only) | 8.7625% | 1,107 |
| Net charge-offs to loans | 0.1687% | 956 |
| Credit loss provision to net charge-offs | 93.5162% | 2,096 |
| Earnings coverage of net charge-offs (x) | 14.8080% | 2,014 |
| Efficiency ratio | 51.0248% | 4,722 |
| Assets per employee ($millions) | 7.3063% | 884 |
| Cash dividends to net income (ytd only)* | 35.9824% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 4,244 |
| Loan loss allowance to noncurrent loans | 71.4034% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 1,280 |
| Noncurrent loans to loans | 1.2010% | 1,335 |
| Net loans and leases to total assets | 77.9662% | 1,227 |
| Net loans and leases to deposits | 89.3339% | 1,820 |
| Net loans and leases to core deposits | 93.3520% | 2,294 |
| Total domestic deposits to total assets | 87.2751% | 1,450 |
| Equity capital to assets | 10.8021% | 3,267 |
| Core capital (leverage) ratio | 9.8455% | 3,765 |
| Tier 1 risk-based capital ratio | 11.1084% | 4,865 |
| Total risk-based capital ratio | 11.8809% | 4,974 |
| Memoranda: | ||
| Average total assets | $1,799,718,330 | 467 |
| Average earning assets | $1,659,550,000 | 464 |
| Average equity | $188,827,330 | 496 |
| Average total loans | $1,426,593,330 | 423 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7731% | 1,978 |
| Cost of funding earning assets | 1.0533% | 1,366 |
| Net interest margin | 3.7198% | 2,816 |
| Noninterest income to average assets | 0.7278% | 1,516 |
| Noninterest expense to average assets | 2.0781% | 4,498 |
| Loan and lease loss provision to assets | 0.1391% | 1,238 |
| Net operating income to assets | 1.4818% | 1,151 |
| Return on assets (ROA) | 1.4818% | 1,172 |
| Pretax return on assets | 1.9312% | 743 |
| Return on Equity (ROE) | 14.3359% | 892 |
| Retained earnings to average equity (ytd only) | 6.6921% | 2,160 |
| Net charge-offs to loans | 0.1846% | 754 |
| Credit loss provision to net charge-offs | 94.6970% | 1,675 |
| Earnings coverage of net charge-offs (x) | 14.0939% | 1,810 |
| Efficiency ratio | 49.2301% | 4,879 |
| Assets per employee ($millions) | 7.3033% | 876 |
| Cash dividends to net income (ytd only)* | 53.3193% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 4,336 |
| Loan loss allowance to noncurrent loans | 75.0876% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 1,333 |
| Noncurrent loans to loans | 1.1357% | 1,469 |
| Net loans and leases to total assets | 78.7115% | 1,034 |
| Net loans and leases to deposits | 90.1933% | 1,600 |
| Net loans and leases to core deposits | 94.8988% | 2,039 |
| Total domestic deposits to total assets | 87.2698% | 1,676 |
| Equity capital to assets | 10.4358% | 3,390 |
| Core capital (leverage) ratio | 9.6841% | 3,936 |
| Tier 1 risk-based capital ratio | 10.6301% | 5,140 |
| Total risk-based capital ratio | 11.3952% | 5,207 |
| Memoranda: | ||
| Average total assets | $1,797,249,500 | 470 |
| Average earning assets | $1,652,669,000 | 467 |
| Average equity | $185,771,000 | 497 |
| Average total loans | $1,430,294,000 | 426 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8567% | 1,401 |
| Cost of funding earning assets | 0.8763% | 1,188 |
| Net interest margin | 3.9804% | 2,057 |
| Noninterest income to average assets | 0.6430% | 2,073 |
| Noninterest expense to average assets | 2.2237% | 4,283 |
| Loan and lease loss provision to assets | 0.1684% | 1,198 |
| Net operating income to assets | 1.5098% | 1,093 |
| Return on assets (ROA) | 1.5084% | 1,080 |
| Pretax return on assets | 1.9143% | 692 |
| Return on Equity (ROE) | 14.6476% | 908 |
| Retained earnings to average equity (ytd only) | 2.2370% | 4,263 |
| Net charge-offs to loans | 0.1617% | 1,191 |
| Credit loss provision to net charge-offs | 127.6642% | 2,065 |
| Earnings coverage of net charge-offs (x) | 15.8021% | 2,300 |
| Efficiency ratio | 50.6100% | 4,901 |
| Assets per employee ($millions) | 7.0774% | 943 |
| Cash dividends to net income (ytd only)* | 84.7280% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 4,341 |
| Loan loss allowance to noncurrent loans | 59.6939% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.2720% | 1,004 |
| Noncurrent loans to loans | 1.4363% | 1,081 |
| Net loans and leases to total assets | 79.0936% | 1,079 |
| Net loans and leases to deposits | 90.9463% | 1,675 |
| Net loans and leases to core deposits | 95.6569% | 2,086 |
| Total domestic deposits to total assets | 86.9674% | 1,797 |
| Equity capital to assets | 10.2363% | 3,434 |
| Core capital (leverage) ratio | 9.5906% | 4,012 |
| Tier 1 risk-based capital ratio | 10.4423% | 5,204 |
| Total risk-based capital ratio | 11.2108% | 5,268 |
| Memoranda: | ||
| Average total assets | $1,742,902,000 | 472 |
| Average earning assets | $1,604,866,400 | 467 |
| Average equity | $179,483,000 | 490 |
| Average total loans | $1,421,750,200 | 418 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 1,266 |
| Cost of funding earning assets | 0.8343% | 1,172 |
| Net interest margin | 4.0285% | 1,860 |
| Noninterest income to average assets | 0.6603% | 2,023 |
| Noninterest expense to average assets | 2.2267% | 4,263 |
| Loan and lease loss provision to assets | 0.1683% | 1,115 |
| Net operating income to assets | 1.5534% | 1,058 |
| Return on assets (ROA) | 1.5515% | 1,061 |
| Pretax return on assets | 1.9763% | 661 |
| Return on Equity (ROE) | 15.0431% | 870 |
| Retained earnings to average equity (ytd only) | 2.3846% | 4,443 |
| Net charge-offs to loans | 0.2100% | 809 |
| Credit loss provision to net charge-offs | 97.6755% | 2,326 |
| Earnings coverage of net charge-offs (x) | 12.4600% | 2,449 |
| Efficiency ratio | 49.9128% | 4,949 |
| Assets per employee ($millions) | 6.8505% | 995 |
| Cash dividends to net income (ytd only)* | 84.1484% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 4,618 |
| Loan loss allowance to noncurrent loans | 40.2255% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.8635% | 606 |
| Noncurrent loans to loans | 1.9929% | 737 |
| Net loans and leases to total assets | 82.5350% | 624 |
| Net loans and leases to deposits | 96.2095% | 1,131 |
| Net loans and leases to core deposits | 101.3437% | 1,667 |
| Total domestic deposits to total assets | 85.7867% | 2,287 |
| Equity capital to assets | 10.3723% | 3,262 |
| Core capital (leverage) ratio | 9.3580% | 4,324 |
| Tier 1 risk-based capital ratio | 10.2731% | 5,303 |
| Total risk-based capital ratio | 10.9979% | 5,387 |
| Memoranda: | ||
| Average total assets | $1,730,979,000 | 473 |
| Average earning assets | $1,595,526,000 | 469 |
| Average equity | $178,531,250 | 488 |
| Average total loans | $1,420,064,250 | 416 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 1,119 |
| Cost of funding earning assets | 0.7773% | 1,243 |
| Net interest margin | 4.0771% | 1,623 |
| Noninterest income to average assets | 0.7280% | 1,752 |
| Noninterest expense to average assets | 2.2635% | 4,227 |
| Loan and lease loss provision to assets | 0.1601% | 1,164 |
| Net operating income to assets | 1.6175% | 886 |
| Return on assets (ROA) | 1.6130% | 901 |
| Pretax return on assets | 2.0539% | 537 |
| Return on Equity (ROE) | 15.6682% | 732 |
| Retained earnings to average equity (ytd only) | 0.5659% | 4,843 |
| Net charge-offs to loans | -0.0071% | 4,202 |
| Credit loss provision to net charge-offs | -2,770.0000% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5127% | 5,049 |
| Assets per employee ($millions) | 7.0133% | 916 |
| Cash dividends to net income (ytd only)* | 96.3881% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 4,301 |
| Loan loss allowance to noncurrent loans | 63.6377% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.3925% | 999 |
| Noncurrent loans to loans | 1.4287% | 1,183 |
| Net loans and leases to total assets | 81.7525% | 735 |
| Net loans and leases to deposits | 95.0603% | 1,238 |
| Net loans and leases to core deposits | 100.1622% | 1,723 |
| Total domestic deposits to total assets | 86.0008% | 2,276 |
| Equity capital to assets | 10.2293% | 3,415 |
| Core capital (leverage) ratio | 9.0749% | 4,613 |
| Tier 1 risk-based capital ratio | 10.2103% | 5,369 |
| Total risk-based capital ratio | 11.0378% | 5,429 |
| Memoranda: | ||
| Average total assets | $1,730,245,000 | 471 |
| Average earning assets | $1,593,699,000 | 468 |
| Average equity | $178,118,330 | 488 |
| Average total loans | $1,412,738,670 | 415 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 971 |
| Cost of funding earning assets | 0.7047% | 1,416 |
| Net interest margin | 4.1482% | 1,303 |
| Noninterest income to average assets | 0.7494% | 1,624 |
| Noninterest expense to average assets | 2.2507% | 4,290 |
| Loan and lease loss provision to assets | 0.1124% | 1,678 |
| Net operating income to assets | 1.6843% | 705 |
| Return on assets (ROA) | 1.6849% | 712 |
| Pretax return on assets | 2.2126% | 370 |
| Return on Equity (ROE) | 16.3148% | 576 |
| Retained earnings to average equity (ytd only) | -0.7429% | 4,886 |
| Net charge-offs to loans | -0.0046% | 3,976 |
| Credit loss provision to net charge-offs | -3,031.2500% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2369% | 5,184 |
| Assets per employee ($millions) | 6.9706% | 972 |
| Cash dividends to net income (ytd only)* | 104.5536% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 4,594 |
| Loan loss allowance to noncurrent loans | 59.4795% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.4673% | 964 |
| Noncurrent loans to loans | 1.4487% | 1,222 |
| Net loans and leases to total assets | 81.9360% | 672 |
| Net loans and leases to deposits | 94.8743% | 1,150 |
| Net loans and leases to core deposits | 99.0368% | 1,759 |
| Total domestic deposits to total assets | 86.3628% | 2,376 |
| Equity capital to assets | 10.4289% | 3,143 |
| Core capital (leverage) ratio | 9.0321% | 4,649 |
| Tier 1 risk-based capital ratio | 10.4062% | 5,377 |
| Total risk-based capital ratio | 11.1951% | 5,459 |
| Memoranda: | ||
| Average total assets | $1,725,720,500 | 476 |
| Average earning assets | $1,591,544,500 | 470 |
| Average equity | $178,218,500 | 491 |
| Average total loans | $1,401,626,000 | 418 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 2,876 |
| Cost of funding earning assets | 0.5967% | 1,614 |
| Net interest margin | 3.5551% | 3,322 |
| Noninterest income to average assets | 0.7088% | 1,922 |
| Noninterest expense to average assets | 2.1329% | 4,691 |
| Loan and lease loss provision to assets | 0.0755% | 2,688 |
| Net operating income to assets | 1.1270% | 1,763 |
| Return on assets (ROA) | 1.1255% | 1,798 |
| Pretax return on assets | 1.7763% | 845 |
| Return on Equity (ROE) | 11.3539% | 1,374 |
| Retained earnings to average equity (ytd only) | -2.7157% | 5,331 |
| Net charge-offs to loans | 0.0151% | 3,586 |
| Credit loss provision to net charge-offs | 616.9591% | 518 |
| Earnings coverage of net charge-offs (x) | 151.4386% | 476 |
| Efficiency ratio | 53.2585% | 5,014 |
| Assets per employee ($millions) | 7.2042% | 883 |
| Cash dividends to net income (ytd only)* | 123.9186% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 4,736 |
| Loan loss allowance to noncurrent loans | 56.3334% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.4595% | 956 |
| Noncurrent loans to loans | 1.4749% | 1,158 |
| Net loans and leases to total assets | 79.1686% | 1,085 |
| Net loans and leases to deposits | 91.9661% | 1,528 |
| Net loans and leases to core deposits | 95.8488% | 2,034 |
| Total domestic deposits to total assets | 86.0846% | 2,396 |
| Equity capital to assets | 10.2284% | 3,462 |
| Core capital (leverage) ratio | 9.5563% | 3,970 |
| Tier 1 risk-based capital ratio | 10.4388% | 5,389 |
| Total risk-based capital ratio | 11.1962% | 5,495 |
| Memoranda: | ||
| Average total assets | $1,396,661,200 | 552 |
| Average earning assets | $1,287,894,800 | 547 |
| Average equity | $138,455,000 | 590 |
| Average total loans | $1,130,253,200 | 481 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 3,421 |
| Cost of funding earning assets | 0.5998% | 1,530 |
| Net interest margin | 3.3794% | 3,920 |
| Noninterest income to average assets | 0.8156% | 1,529 |
| Noninterest expense to average assets | 1.9967% | 4,961 |
| Loan and lease loss provision to assets | 0.0647% | 2,779 |
| Net operating income to assets | 1.2531% | 1,498 |
| Return on assets (ROA) | 1.2525% | 1,529 |
| Pretax return on assets | 1.8728% | 738 |
| Return on Equity (ROE) | 12.7704% | 1,107 |
| Retained earnings to average equity (ytd only) | 6.8887% | 1,749 |
| Net charge-offs to loans | 0.0150% | 3,220 |
| Credit loss provision to net charge-offs | 529.1667% | 604 |
| Earnings coverage of net charge-offs (x) | 158.4877% | 519 |
| Efficiency ratio | 50.7330% | 5,195 |
| Assets per employee ($millions) | 7.6011% | 728 |
| Cash dividends to net income (ytd only)* | 46.0575% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,964 |
| Loan loss allowance to noncurrent loans | 1,112.0673% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 4,772 |
| Noncurrent loans to loans | 0.0916% | 4,702 |
| Net loans and leases to total assets | 82.1374% | 664 |
| Net loans and leases to deposits | 95.7103% | 1,132 |
| Net loans and leases to core deposits | 99.4368% | 1,755 |
| Total domestic deposits to total assets | 85.8188% | 2,385 |
| Equity capital to assets | 9.9145% | 4,023 |
| Core capital (leverage) ratio | 8.8052% | 4,961 |
| Tier 1 risk-based capital ratio | 10.0501% | 5,588 |
| Total risk-based capital ratio | 10.9718% | 5,621 |
| Memoranda: | ||
| Average total assets | $1,308,173,500 | 588 |
| Average earning assets | $1,207,610,500 | 585 |
| Average equity | $128,303,750 | 647 |
| Average total loans | $1,063,429,750 | 507 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 3,540 |
| Cost of funding earning assets | 0.5727% | 1,630 |
| Net interest margin | 3.3287% | 4,021 |
| Noninterest income to average assets | 0.8824% | 1,322 |
| Noninterest expense to average assets | 1.9575% | 5,060 |
| Loan and lease loss provision to assets | 0.0584% | 2,802 |
| Net operating income to assets | 1.2892% | 1,323 |
| Return on assets (ROA) | 1.2883% | 1,353 |
| Pretax return on assets | 1.9366% | 606 |
| Return on Equity (ROE) | 13.1838% | 987 |
| Retained earnings to average equity (ytd only) | 7.3857% | 1,407 |
| Net charge-offs to loans | 0.0084% | 3,157 |
| Credit loss provision to net charge-offs | 863.6364% | 430 |
| Earnings coverage of net charge-offs (x) | 295.1136% | 282 |
| Efficiency ratio | 49.4964% | 5,332 |
| Assets per employee ($millions) | 7.3345% | 804 |
| Cash dividends to net income (ytd only)* | 43.9790% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,981 |
| Loan loss allowance to noncurrent loans | 1,010.4110% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 4,792 |
| Noncurrent loans to loans | 0.1016% | 4,720 |
| Net loans and leases to total assets | 81.6791% | 712 |
| Net loans and leases to deposits | 92.9227% | 1,366 |
| Net loans and leases to core deposits | 96.4056% | 1,941 |
| Total domestic deposits to total assets | 87.9000% | 1,506 |
| Equity capital to assets | 9.9529% | 3,965 |
| Core capital (leverage) ratio | 8.7459% | 5,008 |
| Tier 1 risk-based capital ratio | 10.1379% | 5,592 |
| Total risk-based capital ratio | 11.0676% | 5,638 |
| Memoranda: | ||
| Average total assets | $1,300,832,000 | 592 |
| Average earning assets | $1,200,347,670 | 592 |
| Average equity | $127,111,000 | 655 |
| Average total loans | $1,049,962,000 | 512 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 3,668 |
| Cost of funding earning assets | 0.5407% | 1,781 |
| Net interest margin | 3.2853% | 4,066 |
| Noninterest income to average assets | 0.8505% | 1,394 |
| Noninterest expense to average assets | 1.9210% | 5,204 |
| Loan and lease loss provision to assets | 0.0647% | 2,504 |
| Net operating income to assets | 1.2568% | 1,354 |
| Return on assets (ROA) | 1.2550% | 1,396 |
| Pretax return on assets | 1.8942% | 648 |
| Return on Equity (ROE) | 12.9646% | 1,006 |
| Retained earnings to average equity (ytd only) | 8.1912% | 1,381 |
| Net charge-offs to loans | 0.0127% | 2,556 |
| Credit loss provision to net charge-offs | 636.3636% | 491 |
| Earnings coverage of net charge-offs (x) | 192.9697% | 293 |
| Efficiency ratio | 49.4526% | 5,404 |
| Assets per employee ($millions) | 7.5963% | 727 |
| Cash dividends to net income (ytd only)* | 36.8189% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,019 |
| Loan loss allowance to noncurrent loans | 1,820.5342% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 5,017 |
| Noncurrent loans to loans | 0.0573% | 4,968 |
| Net loans and leases to total assets | 80.6450% | 744 |
| Net loans and leases to deposits | 92.3614% | 1,290 |
| Net loans and leases to core deposits | 95.4617% | 1,856 |
| Total domestic deposits to total assets | 87.3147% | 2,068 |
| Equity capital to assets | 9.9050% | 3,868 |
| Core capital (leverage) ratio | 8.6866% | 5,064 |
| Tier 1 risk-based capital ratio | 10.5583% | 5,518 |
| Total risk-based capital ratio | 11.5297% | 5,567 |
| Memoranda: | ||
| Average total assets | $1,298,474,000 | 594 |
| Average earning assets | $1,198,435,500 | 591 |
| Average equity | $125,696,500 | 658 |
| Average total loans | $1,036,231,000 | 518 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 3,984 |
| Cost of funding earning assets | 0.5003% | 2,088 |
| Net interest margin | 3.2735% | 4,223 |
| Noninterest income to average assets | 0.7211% | 2,072 |
| Noninterest expense to average assets | 1.8957% | 5,369 |
| Loan and lease loss provision to assets | 0.0250% | 3,856 |
| Net operating income to assets | 1.2036% | 1,503 |
| Return on assets (ROA) | 1.1921% | 1,626 |
| Pretax return on assets | 1.8116% | 778 |
| Return on Equity (ROE) | 12.6158% | 1,087 |
| Retained earnings to average equity (ytd only) | 7.3696% | 1,089 |
| Net charge-offs to loans | -0.0399% | 5,337 |
| Credit loss provision to net charge-offs | -80.6045% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5173% | 5,464 |
| Assets per employee ($millions) | 7.5906% | 706 |
| Cash dividends to net income (ytd only)* | 41.5848% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 4,038 |
| Loan loss allowance to noncurrent loans | 1,782.0598% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 5,075 |
| Noncurrent loans to loans | 0.0587% | 5,014 |
| Net loans and leases to total assets | 77.3339% | 1,309 |
| Net loans and leases to deposits | 90.0629% | 1,674 |
| Net loans and leases to core deposits | 92.9187% | 2,218 |
| Total domestic deposits to total assets | 85.8665% | 2,648 |
| Equity capital to assets | 9.4607% | 4,311 |
| Core capital (leverage) ratio | 8.7163% | 5,059 |
| Tier 1 risk-based capital ratio | 10.4479% | 5,593 |
| Total risk-based capital ratio | 11.4145% | 5,644 |
| Memoranda: | ||
| Average total assets | $1,280,981,400 | 578 |
| Average earning assets | $1,185,204,400 | 567 |
| Average equity | $121,038,400 | 660 |
| Average total loans | $995,810,400 | 514 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,132 |
| Cost of funding earning assets | 0.5044% | 2,064 |
| Net interest margin | 3.2289% | 4,404 |
| Noninterest income to average assets | 0.7654% | 1,914 |
| Noninterest expense to average assets | 1.8805% | 5,417 |
| Loan and lease loss provision to assets | 0.0335% | 3,560 |
| Net operating income to assets | 1.2192% | 1,571 |
| Return on assets (ROA) | 1.2202% | 1,660 |
| Pretax return on assets | 1.8440% | 815 |
| Return on Equity (ROE) | 12.9184% | 1,083 |
| Retained earnings to average equity (ytd only) | 7.8176% | 1,245 |
| Net charge-offs to loans | -0.0595% | 5,419 |
| Credit loss provision to net charge-offs | -72.5624% | 4,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0223% | 5,498 |
| Assets per employee ($millions) | 7.8630% | 621 |
| Cash dividends to net income (ytd only)* | 39.4850% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 4,132 |
| Loan loss allowance to noncurrent loans | 1,112.8099% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 5,093 |
| Noncurrent loans to loans | 0.0943% | 4,968 |
| Net loans and leases to total assets | 75.5749% | 1,599 |
| Net loans and leases to deposits | 94.0191% | 1,252 |
| Net loans and leases to core deposits | 97.1601% | 1,894 |
| Total domestic deposits to total assets | 80.3825% | 4,419 |
| Equity capital to assets | 9.2413% | 4,934 |
| Core capital (leverage) ratio | 8.6596% | 5,204 |
| Tier 1 risk-based capital ratio | 10.2975% | 5,702 |
| Total risk-based capital ratio | 11.2698% | 5,744 |
| Memoranda: | ||
| Average total assets | $1,272,933,250 | 579 |
| Average earning assets | $1,179,177,750 | 568 |
| Average equity | $120,239,250 | 669 |
| Average total loans | $988,198,750 | 516 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 4,062 |
| Cost of funding earning assets | 0.5148% | 1,983 |
| Net interest margin | 3.2537% | 4,365 |
| Noninterest income to average assets | 0.7995% | 1,717 |
| Noninterest expense to average assets | 1.9005% | 5,450 |
| Loan and lease loss provision to assets | 0.0352% | 3,448 |
| Net operating income to assets | 1.2405% | 1,460 |
| Return on assets (ROA) | 1.2421% | 1,564 |
| Pretax return on assets | 1.8787% | 729 |
| Return on Equity (ROE) | 13.0479% | 1,018 |
| Retained earnings to average equity (ytd only) | 6.6560% | 1,780 |
| Net charge-offs to loans | -0.0640% | 5,461 |
| Credit loss provision to net charge-offs | -70.5128% | 4,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8173% | 5,573 |
| Assets per employee ($millions) | 7.6905% | 646 |
| Cash dividends to net income (ytd only)* | 48.9880% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 4,234 |
| Loan loss allowance to noncurrent loans | 958.4545% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 5,158 |
| Noncurrent loans to loans | 0.1095% | 5,010 |
| Net loans and leases to total assets | 76.4518% | 1,418 |
| Net loans and leases to deposits | 93.3807% | 1,359 |
| Net loans and leases to core deposits | 96.7436% | 1,912 |
| Total domestic deposits to total assets | 81.8711% | 4,034 |
| Equity capital to assets | 9.3596% | 4,907 |
| Core capital (leverage) ratio | 8.6041% | 5,262 |
| Tier 1 risk-based capital ratio | 10.0540% | 5,837 |
| Total risk-based capital ratio | 11.0092% | 5,871 |
| Memoranda: | ||
| Average total assets | $1,249,054,330 | 587 |
| Average earning assets | $1,156,472,670 | 578 |
| Average equity | $118,900,330 | 671 |
| Average total loans | $975,288,670 | 519 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 3,909 |
| Cost of funding earning assets | 0.5176% | 1,964 |
| Net interest margin | 3.2921% | 4,250 |
| Noninterest income to average assets | 0.8901% | 1,340 |
| Noninterest expense to average assets | 1.9400% | 5,460 |
| Loan and lease loss provision to assets | 0.0719% | 2,517 |
| Net operating income to assets | 1.2706% | 1,336 |
| Return on assets (ROA) | 1.2738% | 1,421 |
| Pretax return on assets | 1.9288% | 657 |
| Return on Equity (ROE) | 13.2632% | 979 |
| Retained earnings to average equity (ytd only) | 7.1370% | 1,824 |
| Net charge-offs to loans | 0.0179% | 2,574 |
| Credit loss provision to net charge-offs | 511.6279% | 591 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 421 |
| Efficiency ratio | 49.2484% | 5,665 |
| Assets per employee ($millions) | 7.1748% | 823 |
| Cash dividends to net income (ytd only)* | 46.1894% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 4,308 |
| Loan loss allowance to noncurrent loans | 751.8819% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 5,124 |
| Noncurrent loans to loans | 0.1405% | 4,916 |
| Net loans and leases to total assets | 78.7188% | 989 |
| Net loans and leases to deposits | 89.5836% | 1,625 |
| Net loans and leases to core deposits | 92.9399% | 2,094 |
| Total domestic deposits to total assets | 87.8719% | 1,711 |
| Equity capital to assets | 9.7984% | 4,344 |
| Core capital (leverage) ratio | 8.4180% | 5,467 |
| Tier 1 risk-based capital ratio | 10.3331% | 5,813 |
| Total risk-based capital ratio | 11.2978% | 5,844 |
| Memoranda: | ||
| Average total assets | $1,223,738,000 | 598 |
| Average earning assets | $1,132,157,500 | 592 |
| Average equity | $117,528,000 | 681 |
| Average total loans | $960,844,500 | 525 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 4,108 |
| Cost of funding earning assets | 0.4706% | 2,437 |
| Net interest margin | 3.3077% | 4,272 |
| Noninterest income to average assets | 0.6777% | 2,304 |
| Noninterest expense to average assets | 1.8772% | 5,642 |
| Loan and lease loss provision to assets | 0.0866% | 2,561 |
| Net operating income to assets | 1.1733% | 1,657 |
| Return on assets (ROA) | 1.1733% | 1,730 |
| Pretax return on assets | 1.7682% | 859 |
| Return on Equity (ROE) | 12.3386% | 1,224 |
| Retained earnings to average equity (ytd only) | 9.1781% | 615 |
| Net charge-offs to loans | 0.0280% | 3,662 |
| Credit loss provision to net charge-offs | 395.2941% | 769 |
| Earnings coverage of net charge-offs (x) | 84.7059% | 666 |
| Efficiency ratio | 50.2600% | 5,747 |
| Assets per employee ($millions) | 7.6704% | 640 |
| Cash dividends to net income (ytd only)* | 25.6148% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 4,341 |
| Loan loss allowance to noncurrent loans | 616.4409% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 5,052 |
| Noncurrent loans to loans | 0.1697% | 4,809 |
| Net loans and leases to total assets | 76.6836% | 1,305 |
| Net loans and leases to deposits | 89.0769% | 1,734 |
| Net loans and leases to core deposits | 92.3879% | 2,180 |
| Total domestic deposits to total assets | 86.0870% | 2,597 |
| Equity capital to assets | 9.4132% | 4,655 |
| Core capital (leverage) ratio | 8.7161% | 5,197 |
| Tier 1 risk-based capital ratio | 10.2075% | 5,893 |
| Total risk-based capital ratio | 11.1623% | 5,929 |
| Memoranda: | ||
| Average total assets | $1,164,584,000 | 604 |
| Average earning assets | $1,075,382,800 | 597 |
| Average equity | $110,741,600 | 691 |
| Average total loans | $909,796,000 | 519 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7991% | 4,092 |
| Cost of funding earning assets | 0.4720% | 2,478 |
| Net interest margin | 3.3271% | 4,231 |
| Noninterest income to average assets | 0.7238% | 2,134 |
| Noninterest expense to average assets | 1.8723% | 5,682 |
| Loan and lease loss provision to assets | 0.0849% | 2,470 |
| Net operating income to assets | 1.2168% | 1,593 |
| Return on assets (ROA) | 1.2168% | 1,660 |
| Pretax return on assets | 1.8370% | 827 |
| Return on Equity (ROE) | 12.7618% | 1,182 |
| Retained earnings to average equity (ytd only) | 9.1044% | 866 |
| Net charge-offs to loans | 0.0361% | 3,187 |
| Credit loss provision to net charge-offs | 300.4115% | 958 |
| Earnings coverage of net charge-offs (x) | 68.0374% | 828 |
| Efficiency ratio | 49.3045% | 5,814 |
| Assets per employee ($millions) | 7.5846% | 658 |
| Cash dividends to net income (ytd only)* | 28.6588% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 4,487 |
| Loan loss allowance to noncurrent loans | 838.6403% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 5,319 |
| Noncurrent loans to loans | 0.1249% | 5,130 |
| Net loans and leases to total assets | 76.8393% | 1,269 |
| Net loans and leases to deposits | 93.3049% | 1,278 |
| Net loans and leases to core deposits | 97.0686% | 1,782 |
| Total domestic deposits to total assets | 82.3530% | 4,049 |
| Equity capital to assets | 9.4638% | 4,796 |
| Core capital (leverage) ratio | 8.8042% | 5,232 |
| Tier 1 risk-based capital ratio | 10.1983% | 5,980 |
| Total risk-based capital ratio | 11.1509% | 6,031 |
| Memoranda: | ||
| Average total assets | $1,146,995,750 | 618 |
| Average earning assets | $1,058,464,750 | 610 |
| Average equity | $109,365,250 | 704 |
| Average total loans | $897,993,750 | 530 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 3,979 |
| Cost of funding earning assets | 0.4705% | 2,513 |
| Net interest margin | 3.3534% | 4,091 |
| Noninterest income to average assets | 0.7721% | 1,911 |
| Noninterest expense to average assets | 1.9073% | 5,700 |
| Loan and lease loss provision to assets | 0.0938% | 2,248 |
| Net operating income to assets | 1.2325% | 1,510 |
| Return on assets (ROA) | 1.2325% | 1,577 |
| Pretax return on assets | 1.8606% | 805 |
| Return on Equity (ROE) | 12.8925% | 1,138 |
| Retained earnings to average equity (ytd only) | 9.1893% | 864 |
| Net charge-offs to loans | 0.0550% | 2,623 |
| Credit loss provision to net charge-offs | 217.2131% | 1,148 |
| Earnings coverage of net charge-offs (x) | 45.2500% | 1,029 |
| Efficiency ratio | 49.3491% | 5,882 |
| Assets per employee ($millions) | 6.8903% | 870 |
| Cash dividends to net income (ytd only)* | 28.7233% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 4,573 |
| Loan loss allowance to noncurrent loans | 554.2393% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 4,867 |
| Noncurrent loans to loans | 0.1904% | 5,016 |
| Net loans and leases to total assets | 79.6741% | 846 |
| Net loans and leases to deposits | 92.2644% | 1,344 |
| Net loans and leases to core deposits | 95.9861% | 1,804 |
| Total domestic deposits to total assets | 86.3542% | 2,504 |
| Equity capital to assets | 9.8365% | 4,238 |
| Core capital (leverage) ratio | 9.0023% | 4,964 |
| Tier 1 risk-based capital ratio | 10.4766% | 5,933 |
| Total risk-based capital ratio | 11.4587% | 5,966 |
| Memoranda: | ||
| Average total assets | $1,129,870,670 | 631 |
| Average earning assets | $1,040,960,000 | 621 |
| Average equity | $108,016,670 | 717 |
| Average total loans | $887,136,670 | 537 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 4,123 |
| Cost of funding earning assets | 0.4629% | 2,647 |
| Net interest margin | 3.3093% | 4,175 |
| Noninterest income to average assets | 0.8884% | 1,426 |
| Noninterest expense to average assets | 1.9600% | 5,646 |
| Loan and lease loss provision to assets | 0.1165% | 1,771 |
| Net operating income to assets | 1.2361% | 1,444 |
| Return on assets (ROA) | 1.2361% | 1,531 |
| Pretax return on assets | 1.8605% | 774 |
| Return on Equity (ROE) | 13.1177% | 1,058 |
| Retained earnings to average equity (ytd only) | 5.6262% | 2,700 |
| Net charge-offs to loans | 0.1238% | 1,522 |
| Credit loss provision to net charge-offs | 121.3235% | 1,433 |
| Earnings coverage of net charge-offs (x) | 20.5919% | 1,410 |
| Efficiency ratio | 49.7400% | 5,930 |
| Assets per employee ($millions) | 7.6650% | 625 |
| Cash dividends to net income (ytd only)* | 57.1102% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 4,737 |
| Loan loss allowance to noncurrent loans | 416.0786% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 4,774 |
| Noncurrent loans to loans | 0.2533% | 4,881 |
| Net loans and leases to total assets | 75.0724% | 1,339 |
| Net loans and leases to deposits | 90.7838% | 1,314 |
| Net loans and leases to core deposits | 93.9522% | 1,776 |
| Total domestic deposits to total assets | 82.6937% | 4,281 |
| Equity capital to assets | 9.2593% | 5,015 |
| Core capital (leverage) ratio | 8.9424% | 5,020 |
| Tier 1 risk-based capital ratio | 10.3512% | 6,062 |
| Total risk-based capital ratio | 11.3314% | 6,097 |
| Memoranda: | ||
| Average total assets | $1,133,243,000 | 621 |
| Average earning assets | $1,043,962,000 | 615 |
| Average equity | $106,787,000 | 724 |
| Average total loans | $878,512,500 | 534 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,533 |
| Cost of funding earning assets | 0.4821% | 2,856 |
| Net interest margin | 3.5660% | 3,537 |
| Noninterest income to average assets | 0.6714% | 2,444 |
| Noninterest expense to average assets | 2.0130% | 5,739 |
| Loan and lease loss provision to assets | 0.1883% | 1,362 |
| Net operating income to assets | 1.1460% | 1,791 |
| Return on assets (ROA) | 1.1779% | 1,721 |
| Pretax return on assets | 1.7631% | 860 |
| Return on Equity (ROE) | 12.2863% | 1,328 |
| Retained earnings to average equity (ytd only) | 5.8025% | 2,066 |
| Net charge-offs to loans | 0.1784% | 2,244 |
| Credit loss provision to net charge-offs | 132.9404% | 1,788 |
| Earnings coverage of net charge-offs (x) | 13.4381% | 2,264 |
| Efficiency ratio | 51.3514% | 6,024 |
| Assets per employee ($millions) | 7.1059% | 798 |
| Cash dividends to net income (ytd only)* | 52.7725% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 4,761 |
| Loan loss allowance to noncurrent loans | 363.9151% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 4,722 |
| Noncurrent loans to loans | 0.2914% | 4,806 |
| Net loans and leases to total assets | 78.4267% | 945 |
| Net loans and leases to deposits | 90.4286% | 1,477 |
| Net loans and leases to core deposits | 93.4975% | 1,948 |
| Total domestic deposits to total assets | 86.7278% | 2,437 |
| Equity capital to assets | 9.5964% | 4,594 |
| Core capital (leverage) ratio | 8.4630% | 5,592 |
| Tier 1 risk-based capital ratio | 10.8125% | 5,987 |
| Total risk-based capital ratio | 11.3540% | 6,177 |
| Memoranda: | ||
| Average total assets | $1,077,842,600 | 623 |
| Average earning assets | $980,931,000 | 622 |
| Average equity | $103,334,600 | 707 |
| Average total loans | $856,094,200 | 519 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 3,509 |
| Cost of funding earning assets | 0.4819% | 2,936 |
| Net interest margin | 3.5829% | 3,495 |
| Noninterest income to average assets | 0.6088% | 2,811 |
| Noninterest expense to average assets | 2.0071% | 5,762 |
| Loan and lease loss provision to assets | 0.1443% | 1,736 |
| Net operating income to assets | 1.1522% | 1,858 |
| Return on assets (ROA) | 1.1903% | 1,778 |
| Pretax return on assets | 1.7694% | 942 |
| Return on Equity (ROE) | 12.4189% | 1,361 |
| Retained earnings to average equity (ytd only) | 6.9686% | 1,835 |
| Net charge-offs to loans | 0.1226% | 2,588 |
| Credit loss provision to net charge-offs | 148.1481% | 1,600 |
| Earnings coverage of net charge-offs (x) | 19.0652% | 1,806 |
| Efficiency ratio | 51.9009% | 5,997 |
| Assets per employee ($millions) | 6.9580% | 817 |
| Cash dividends to net income (ytd only)* | 43.8872% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 5,033 |
| Loan loss allowance to noncurrent loans | 293.1621% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 4,888 |
| Noncurrent loans to loans | 0.3548% | 4,842 |
| Net loans and leases to total assets | 79.5372% | 769 |
| Net loans and leases to deposits | 94.0107% | 1,042 |
| Net loans and leases to core deposits | 97.4187% | 1,561 |
| Total domestic deposits to total assets | 84.6044% | 3,498 |
| Equity capital to assets | 9.6139% | 4,655 |
| Core capital (leverage) ratio | 8.3445% | 5,810 |
| Tier 1 risk-based capital ratio | 10.3527% | 6,251 |
| Total risk-based capital ratio | 10.8595% | 6,395 |
| Memoranda: | ||
| Average total assets | $1,071,950,750 | 625 |
| Average earning assets | $973,856,500 | 617 |
| Average equity | $102,744,250 | 710 |
| Average total loans | $851,853,250 | 517 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,559 |
| Cost of funding earning assets | 0.4797% | 3,026 |
| Net interest margin | 3.5673% | 3,499 |
| Noninterest income to average assets | 0.6653% | 2,461 |
| Noninterest expense to average assets | 2.0240% | 5,787 |
| Loan and lease loss provision to assets | 0.1446% | 1,711 |
| Net operating income to assets | 1.2042% | 1,576 |
| Return on assets (ROA) | 1.2042% | 1,641 |
| Pretax return on assets | 1.7391% | 945 |
| Return on Equity (ROE) | 12.5764% | 1,289 |
| Retained earnings to average equity (ytd only) | 10.2231% | 675 |
| Net charge-offs to loans | 0.1359% | 2,308 |
| Credit loss provision to net charge-offs | 134.3805% | 1,572 |
| Earnings coverage of net charge-offs (x) | 17.5079% | 1,728 |
| Efficiency ratio | 51.7515% | 6,083 |
| Assets per employee ($millions) | 6.7066% | 920 |
| Cash dividends to net income (ytd only)* | 18.7120% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 5,187 |
| Loan loss allowance to noncurrent loans | 268.0240% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 5,075 |
| Noncurrent loans to loans | 0.3859% | 4,836 |
| Net loans and leases to total assets | 78.8447% | 811 |
| Net loans and leases to deposits | 94.7247% | 905 |
| Net loans and leases to core deposits | 97.8459% | 1,456 |
| Total domestic deposits to total assets | 83.2356% | 4,217 |
| Equity capital to assets | 9.6759% | 4,523 |
| Core capital (leverage) ratio | 8.7685% | 5,310 |
| Tier 1 risk-based capital ratio | 10.5535% | 6,232 |
| Total risk-based capital ratio | 11.0421% | 6,426 |
| Memoranda: | ||
| Average total assets | $1,065,130,000 | 626 |
| Average earning assets | $968,129,330 | 622 |
| Average equity | $101,984,330 | 713 |
| Average total loans | $843,135,330 | 519 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 3,566 |
| Cost of funding earning assets | 0.4757% | 3,169 |
| Net interest margin | 3.5543% | 3,462 |
| Noninterest income to average assets | 0.7048% | 2,146 |
| Noninterest expense to average assets | 2.1319% | 5,611 |
| Loan and lease loss provision to assets | 0.0759% | 2,623 |
| Net operating income to assets | 1.2165% | 1,440 |
| Return on assets (ROA) | 1.2165% | 1,497 |
| Pretax return on assets | 1.7507% | 875 |
| Return on Equity (ROE) | 12.7752% | 1,218 |
| Retained earnings to average equity (ytd only) | 7.9949% | 1,593 |
| Net charge-offs to loans | 0.1164% | 2,025 |
| Credit loss provision to net charge-offs | 82.6446% | 1,876 |
| Earnings coverage of net charge-offs (x) | 19.8967% | 1,354 |
| Efficiency ratio | 53.8093% | 6,028 |
| Assets per employee ($millions) | 6.7879% | 888 |
| Cash dividends to net income (ytd only)* | 37.4181% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 5,369 |
| Loan loss allowance to noncurrent loans | 240.1874% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 4,936 |
| Noncurrent loans to loans | 0.4317% | 4,850 |
| Net loans and leases to total assets | 79.0496% | 654 |
| Net loans and leases to deposits | 90.6337% | 1,077 |
| Net loans and leases to core deposits | 93.2687% | 1,612 |
| Total domestic deposits to total assets | 87.2187% | 2,686 |
| Equity capital to assets | 9.6483% | 4,295 |
| Core capital (leverage) ratio | 8.5572% | 5,575 |
| Tier 1 risk-based capital ratio | 10.6906% | 6,277 |
| Total risk-based capital ratio | 11.1636% | 6,477 |
| Memoranda: | ||
| Average total assets | $1,054,457,500 | 638 |
| Average earning assets | $965,251,500 | 632 |
| Average equity | $100,413,500 | 724 |
| Average total loans | $831,913,000 | 522 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 3,311 |
| Cost of funding earning assets | 0.5155% | 3,449 |
| Net interest margin | 3.6951% | 3,073 |
| Noninterest income to average assets | 0.7074% | 2,500 |
| Noninterest expense to average assets | 2.1418% | 5,744 |
| Loan and lease loss provision to assets | 0.1458% | 2,475 |
| Net operating income to assets | 1.2544% | 1,380 |
| Return on assets (ROA) | 1.1917% | 1,670 |
| Pretax return on assets | 1.7113% | 925 |
| Return on Equity (ROE) | 12.4600% | 1,293 |
| Retained earnings to average equity (ytd only) | 8.2174% | 982 |
| Net charge-offs to loans | 0.0856% | 4,016 |
| Credit loss provision to net charge-offs | 220.1493% | 1,041 |
| Earnings coverage of net charge-offs (x) | 29.4000% | 1,205 |
| Efficiency ratio | 52.3434% | 6,270 |
| Assets per employee ($millions) | 6.8623% | 823 |
| Cash dividends to net income (ytd only)* | 34.0493% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 5,301 |
| Loan loss allowance to noncurrent loans | 334.5434% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 5,307 |
| Noncurrent loans to loans | 0.3178% | 5,234 |
| Net loans and leases to total assets | 77.0878% | 948 |
| Net loans and leases to deposits | 88.5433% | 1,409 |
| Net loans and leases to core deposits | 90.9872% | 1,908 |
| Total domestic deposits to total assets | 87.0623% | 2,691 |
| Equity capital to assets | 9.3977% | 4,547 |
| Core capital (leverage) ratio | 8.5422% | 5,617 |
| Tier 1 risk-based capital ratio | 10.7195% | 6,295 |
| Total risk-based capital ratio | 11.2301% | 6,488 |
| Memoranda: | ||
| Average total assets | $1,011,928,000 | 652 |
| Average earning assets | $925,899,000 | 642 |
| Average equity | $96,782,000 | 729 |
| Average total loans | $782,700,200 | 536 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 3,251 |
| Cost of funding earning assets | 0.5214% | 3,551 |
| Net interest margin | 3.7137% | 2,979 |
| Noninterest income to average assets | 0.7625% | 2,308 |
| Noninterest expense to average assets | 2.1777% | 5,658 |
| Loan and lease loss provision to assets | 0.1632% | 2,214 |
| Net operating income to assets | 1.2548% | 1,471 |
| Return on assets (ROA) | 1.2235% | 1,626 |
| Pretax return on assets | 1.7718% | 959 |
| Return on Equity (ROE) | 12.7341% | 1,304 |
| Retained earnings to average equity (ytd only) | 7.4230% | 1,678 |
| Net charge-offs to loans | 0.0790% | 3,821 |
| Credit loss provision to net charge-offs | 267.4672% | 938 |
| Earnings coverage of net charge-offs (x) | 32.4520% | 1,172 |
| Efficiency ratio | 52.3295% | 6,235 |
| Assets per employee ($millions) | 6.6809% | 859 |
| Cash dividends to net income (ytd only)* | 41.7075% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 5,385 |
| Loan loss allowance to noncurrent loans | 305.6452% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 5,257 |
| Noncurrent loans to loans | 0.3550% | 5,325 |
| Net loans and leases to total assets | 76.7415% | 901 |
| Net loans and leases to deposits | 90.0744% | 1,154 |
| Net loans and leases to core deposits | 92.7963% | 1,698 |
| Total domestic deposits to total assets | 85.1979% | 3,633 |
| Equity capital to assets | 9.3323% | 4,761 |
| Core capital (leverage) ratio | 8.3412% | 5,928 |
| Tier 1 risk-based capital ratio | 10.5043% | 6,450 |
| Total risk-based capital ratio | 10.9991% | 6,633 |
| Memoranda: | ||
| Average total assets | $1,000,711,000 | 660 |
| Average earning assets | $914,967,000 | 650 |
| Average equity | $96,148,750 | 738 |
| Average total loans | $772,521,250 | 545 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 3,314 |
| Cost of funding earning assets | 0.5269% | 3,637 |
| Net interest margin | 3.6857% | 3,009 |
| Noninterest income to average assets | 0.8292% | 2,069 |
| Noninterest expense to average assets | 2.1229% | 5,822 |
| Loan and lease loss provision to assets | 0.1567% | 2,356 |
| Net operating income to assets | 1.3235% | 1,261 |
| Return on assets (ROA) | 1.2761% | 1,478 |
| Pretax return on assets | 1.8611% | 804 |
| Return on Equity (ROE) | 13.1499% | 1,211 |
| Retained earnings to average equity (ytd only) | 13.1499% | 366 |
| Net charge-offs to loans | 0.0958% | 3,403 |
| Credit loss provision to net charge-offs | 212.3288% | 1,139 |
| Earnings coverage of net charge-offs (x) | 28.2712% | 1,190 |
| Efficiency ratio | 50.3891% | 6,400 |
| Assets per employee ($millions) | 5.8940% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 5,573 |
| Loan loss allowance to noncurrent loans | 392.8571% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 5,306 |
| Noncurrent loans to loans | 0.2700% | 5,632 |
| Net loans and leases to total assets | 79.2156% | 616 |
| Net loans and leases to deposits | 92.6897% | 906 |
| Net loans and leases to core deposits | 97.2360% | 1,265 |
| Total domestic deposits to total assets | 85.4632% | 3,662 |
| Equity capital to assets | 9.9947% | 3,922 |
| Core capital (leverage) ratio | 8.7010% | 5,420 |
| Tier 1 risk-based capital ratio | 10.7644% | 6,425 |
| Total risk-based capital ratio | 11.2379% | 6,616 |
| Memoranda: | ||
| Average total assets | $989,103,330 | 664 |
| Average earning assets | $907,128,330 | 658 |
| Average equity | $95,985,330 | 737 |
| Average total loans | $762,228,000 | 548 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1527% | 3,502 |
| Cost of funding earning assets | 0.5442% | 3,634 |
| Net interest margin | 3.6085% | 3,225 |
| Noninterest income to average assets | 0.8984% | 1,762 |
| Noninterest expense to average assets | 2.2273% | 5,619 |
| Loan and lease loss provision to assets | 0.1412% | 2,476 |
| Net operating income to assets | 1.2474% | 1,404 |
| Return on assets (ROA) | 1.2474% | 1,504 |
| Pretax return on assets | 1.8203% | 852 |
| Return on Equity (ROE) | 13.0479% | 1,158 |
| Retained earnings to average equity (ytd only) | 13.0479% | 556 |
| Net charge-offs to loans | 0.1238% | 2,683 |
| Credit loss provision to net charge-offs | 150.8621% | 1,359 |
| Earnings coverage of net charge-offs (x) | 20.9569% | 1,172 |
| Efficiency ratio | 53.1253% | 6,290 |
| Assets per employee ($millions) | 5.8260% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 5,788 |
| Loan loss allowance to noncurrent loans | 209.3953% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 4,800 |
| Noncurrent loans to loans | 0.5024% | 5,169 |
| Net loans and leases to total assets | 78.4727% | 564 |
| Net loans and leases to deposits | 90.9694% | 889 |
| Net loans and leases to core deposits | 93.9128% | 1,351 |
| Total domestic deposits to total assets | 86.2628% | 3,380 |
| Equity capital to assets | 9.9479% | 4,217 |
| Core capital (leverage) ratio | 8.3547% | 5,757 |
| Tier 1 risk-based capital ratio | 10.4759% | 6,584 |
| Total risk-based capital ratio | 10.9142% | 6,723 |
| Memoranda: | ||
| Average total assets | $991,505,000 | 671 |
| Average earning assets | $904,081,000 | 666 |
| Average equity | $94,789,000 | 753 |
| Average total loans | $749,302,500 | 561 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 3,499 |
| Cost of funding earning assets | 0.6661% | 3,776 |
| Net interest margin | 3.8096% | 3,187 |
| Noninterest income to average assets | 0.8429% | 2,071 |
| Noninterest expense to average assets | 2.3677% | 5,502 |
| Loan and lease loss provision to assets | 0.3082% | 2,216 |
| Net operating income to assets | 1.1551% | 1,757 |
| Return on assets (ROA) | 1.1551% | 1,916 |
| Pretax return on assets | 1.6185% | 1,336 |
| Return on Equity (ROE) | 11.6015% | 1,623 |
| Retained earnings to average equity (ytd only) | 3.1752% | 3,992 |
| Net charge-offs to loans | 0.3424% | 2,922 |
| Credit loss provision to net charge-offs | 119.3416% | 2,406 |
| Earnings coverage of net charge-offs (x) | 7.4609% | 2,598 |
| Efficiency ratio | 55.0903% | 6,158 |
| Assets per employee ($millions) | 6.1198% | 1,210 |
| Cash dividends to net income (ytd only)* | 72.6311% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 5,608 |
| Loan loss allowance to noncurrent loans | 187.6771% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 4,806 |
| Noncurrent loans to loans | 0.5790% | 5,080 |
| Net loans and leases to total assets | 71.2343% | 1,612 |
| Net loans and leases to deposits | 83.2361% | 1,848 |
| Net loans and leases to core deposits | 85.9615% | 2,316 |
| Total domestic deposits to total assets | 85.5811% | 3,572 |
| Equity capital to assets | 9.1909% | 5,280 |
| Core capital (leverage) ratio | 8.2560% | 5,935 |
| Tier 1 risk-based capital ratio | 10.5015% | 6,555 |
| Total risk-based capital ratio | 10.9502% | 6,746 |
| Memoranda: | ||
| Average total assets | $941,012,600 | 701 |
| Average earning assets | $852,526,800 | 702 |
| Average equity | $93,694,600 | 751 |
| Average total loans | $709,706,600 | 583 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 3,349 |
| Cost of funding earning assets | 0.6947% | 3,820 |
| Net interest margin | 3.8718% | 3,022 |
| Noninterest income to average assets | 0.9099% | 1,794 |
| Noninterest expense to average assets | 2.4232% | 5,330 |
| Loan and lease loss provision to assets | 0.2458% | 2,600 |
| Net operating income to assets | 1.2341% | 1,621 |
| Return on assets (ROA) | 1.2341% | 1,794 |
| Pretax return on assets | 1.7547% | 1,154 |
| Return on Equity (ROE) | 12.1379% | 1,589 |
| Retained earnings to average equity (ytd only) | 8.2649% | 1,514 |
| Net charge-offs to loans | 0.2465% | 3,245 |
| Credit loss provision to net charge-offs | 130.5684% | 2,207 |
| Earnings coverage of net charge-offs (x) | 10.6282% | 2,169 |
| Efficiency ratio | 54.7320% | 6,172 |
| Assets per employee ($millions) | 5.5517% | 1,589 |
| Cash dividends to net income (ytd only)* | 31.9082% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 5,779 |
| Loan loss allowance to noncurrent loans | 140.1530% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 4,744 |
| Noncurrent loans to loans | 0.7750% | 4,860 |
| Net loans and leases to total assets | 76.9215% | 855 |
| Net loans and leases to deposits | 89.3231% | 1,226 |
| Net loans and leases to core deposits | 96.8717% | 1,343 |
| Total domestic deposits to total assets | 86.1160% | 3,185 |
| Equity capital to assets | 10.3525% | 4,015 |
| Core capital (leverage) ratio | 8.7244% | 5,437 |
| Tier 1 risk-based capital ratio | 10.6113% | 6,628 |
| Total risk-based capital ratio | 11.0188% | 6,840 |
| Memoranda: | ||
| Average total assets | $922,292,000 | 721 |
| Average earning assets | $836,999,250 | 719 |
| Average equity | $93,775,750 | 755 |
| Average total loans | $704,229,250 | 588 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 3,394 |
| Cost of funding earning assets | 0.7126% | 3,916 |
| Net interest margin | 3.8806% | 2,994 |
| Noninterest income to average assets | 0.9075% | 1,758 |
| Noninterest expense to average assets | 2.1900% | 6,038 |
| Loan and lease loss provision to assets | 0.2830% | 2,311 |
| Net operating income to assets | 1.3606% | 1,280 |
| Return on assets (ROA) | 1.3606% | 1,442 |
| Pretax return on assets | 1.9503% | 758 |
| Return on Equity (ROE) | 13.4649% | 1,242 |
| Retained earnings to average equity (ytd only) | 9.8095% | 1,026 |
| Net charge-offs to loans | 0.2367% | 3,151 |
| Credit loss provision to net charge-offs | 157.5758% | 1,764 |
| Earnings coverage of net charge-offs (x) | 12.4364% | 1,877 |
| Efficiency ratio | 49.4661% | 6,677 |
| Assets per employee ($millions) | 5.3655% | 1,746 |
| Cash dividends to net income (ytd only)* | 27.1477% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,720 |
| Loan loss allowance to noncurrent loans | 161.1955% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 5,035 |
| Noncurrent loans to loans | 0.6923% | 5,120 |
| Net loans and leases to total assets | 75.5024% | 1,030 |
| Net loans and leases to deposits | 89.5992% | 1,184 |
| Net loans and leases to core deposits | 98.2131% | 1,252 |
| Total domestic deposits to total assets | 84.2668% | 4,208 |
| Equity capital to assets | 10.1970% | 4,056 |
| Core capital (leverage) ratio | 8.6060% | 5,509 |
| Tier 1 risk-based capital ratio | 10.6821% | 6,623 |
| Total risk-based capital ratio | 11.1010% | 6,855 |
| Memoranda: | ||
| Average total assets | $918,827,670 | 722 |
| Average earning assets | $832,451,000 | 725 |
| Average equity | $92,849,000 | 758 |
| Average total loans | $697,201,330 | 593 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 3,398 |
| Cost of funding earning assets | 0.7512% | 3,855 |
| Net interest margin | 3.8711% | 3,048 |
| Noninterest income to average assets | 1.0239% | 1,362 |
| Noninterest expense to average assets | 2.1869% | 6,073 |
| Loan and lease loss provision to assets | 0.1975% | 2,971 |
| Net operating income to assets | 1.4592% | 1,102 |
| Return on assets (ROA) | 1.4592% | 1,232 |
| Pretax return on assets | 2.1359% | 596 |
| Return on Equity (ROE) | 14.5079% | 1,075 |
| Retained earnings to average equity (ytd only) | 11.4448% | 933 |
| Net charge-offs to loans | 0.0719% | 3,778 |
| Credit loss provision to net charge-offs | 362.9032% | 855 |
| Earnings coverage of net charge-offs (x) | 42.8790% | 702 |
| Efficiency ratio | 48.3301% | 6,779 |
| Assets per employee ($millions) | 5.6338% | 1,582 |
| Cash dividends to net income (ytd only)* | 21.1128% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,847 |
| Loan loss allowance to noncurrent loans | 162.2532% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 5,049 |
| Noncurrent loans to loans | 0.6869% | 5,286 |
| Net loans and leases to total assets | 75.4170% | 868 |
| Net loans and leases to deposits | 88.4277% | 1,116 |
| Net loans and leases to core deposits | 94.1828% | 1,451 |
| Total domestic deposits to total assets | 85.2865% | 3,884 |
| Equity capital to assets | 10.1052% | 3,990 |
| Core capital (leverage) ratio | 8.6300% | 5,405 |
| Tier 1 risk-based capital ratio | 10.4329% | 6,757 |
| Total risk-based capital ratio | 10.8261% | 6,946 |
| Memoranda: | ||
| Average total assets | $911,447,000 | 731 |
| Average earning assets | $823,225,000 | 734 |
| Average equity | $91,674,500 | 761 |
| Average total loans | $689,383,500 | 599 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 3,284 |
| Cost of funding earning assets | 0.9316% | 3,860 |
| Net interest margin | 3.9843% | 2,966 |
| Noninterest income to average assets | 0.6273% | 3,019 |
| Noninterest expense to average assets | 2.5572% | 5,259 |
| Loan and lease loss provision to assets | 0.2467% | 3,741 |
| Net operating income to assets | 1.0288% | 2,093 |
| Return on assets (ROA) | 1.0915% | 1,983 |
| Pretax return on assets | 1.4849% | 1,519 |
| Return on Equity (ROE) | 10.6418% | 1,823 |
| Retained earnings to average equity (ytd only) | 4.2829% | 3,135 |
| Net charge-offs to loans | 0.1541% | 4,907 |
| Credit loss provision to net charge-offs | 216.1885% | 1,131 |
| Earnings coverage of net charge-offs (x) | 14.4303% | 1,459 |
| Efficiency ratio | 60.7081% | 5,647 |
| Assets per employee ($millions) | 5.3844% | 1,750 |
| Cash dividends to net income (ytd only)* | 59.7536% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 5,802 |
| Loan loss allowance to noncurrent loans | 230.0831% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 5,202 |
| Noncurrent loans to loans | 0.4792% | 5,750 |
| Net loans and leases to total assets | 74.1688% | 1,247 |
| Net loans and leases to deposits | 89.1510% | 1,250 |
| Net loans and leases to core deposits | 92.8086% | 1,812 |
| Total domestic deposits to total assets | 83.1946% | 4,673 |
| Equity capital to assets | 10.0103% | 4,159 |
| Core capital (leverage) ratio | 8.6693% | 5,292 |
| Tier 1 risk-based capital ratio | 10.5294% | 6,673 |
| Total risk-based capital ratio | 10.9456% | 6,915 |
| Memoranda: | ||
| Average total assets | $855,233,400 | 762 |
| Average earning assets | $767,741,200 | 773 |
| Average equity | $87,720,200 | 766 |
| Average total loans | $633,468,600 | 647 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 3,265 |
| Cost of funding earning assets | 0.9675% | 3,912 |
| Net interest margin | 3.9985% | 2,916 |
| Noninterest income to average assets | 0.5973% | 3,177 |
| Noninterest expense to average assets | 2.5611% | 5,230 |
| Loan and lease loss provision to assets | 0.2942% | 3,171 |
| Net operating income to assets | 0.9715% | 2,431 |
| Return on assets (ROA) | 1.0552% | 2,259 |
| Pretax return on assets | 1.4516% | 1,780 |
| Return on Equity (ROE) | 10.2220% | 2,125 |
| Retained earnings to average equity (ytd only) | 3.9610% | 3,899 |
| Net charge-offs to loans | 0.1611% | 4,492 |
| Credit loss provision to net charge-offs | 247.3404% | 1,160 |
| Earnings coverage of net charge-offs (x) | 13.7128% | 1,596 |
| Efficiency ratio | 60.9705% | 5,564 |
| Assets per employee ($millions) | 5.2012% | 1,932 |
| Cash dividends to net income (ytd only)* | 61.2502% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 5,723 |
| Loan loss allowance to noncurrent loans | 192.5103% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 5,035 |
| Noncurrent loans to loans | 0.5928% | 5,688 |
| Net loans and leases to total assets | 73.8931% | 1,337 |
| Net loans and leases to deposits | 89.1604% | 1,300 |
| Net loans and leases to core deposits | 93.4078% | 1,840 |
| Total domestic deposits to total assets | 82.8766% | 4,728 |
| Equity capital to assets | 10.2212% | 4,057 |
| Core capital (leverage) ratio | 8.6676% | 5,460 |
| Tier 1 risk-based capital ratio | 10.7263% | 6,700 |
| Total risk-based capital ratio | 11.1075% | 6,979 |
| Memoranda: | ||
| Average total assets | $842,897,250 | 784 |
| Average earning assets | $757,832,750 | 788 |
| Average equity | $87,012,500 | 779 |
| Average total loans | $622,237,000 | 674 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 3,279 |
| Cost of funding earning assets | 0.9921% | 3,998 |
| Net interest margin | 3.9846% | 2,915 |
| Noninterest income to average assets | 0.7821% | 2,099 |
| Noninterest expense to average assets | 2.5969% | 5,197 |
| Loan and lease loss provision to assets | 0.3267% | 2,831 |
| Net operating income to assets | 1.0321% | 2,099 |
| Return on assets (ROA) | 1.0543% | 2,120 |
| Pretax return on assets | 1.4787% | 1,589 |
| Return on Equity (ROE) | 10.1779% | 2,059 |
| Retained earnings to average equity (ytd only) | 3.5828% | 3,952 |
| Net charge-offs to loans | 0.0376% | 5,324 |
| Credit loss provision to net charge-offs | 1,182.6087% | 290 |
| Earnings coverage of net charge-offs (x) | 64.2261% | 509 |
| Efficiency ratio | 59.2900% | 5,981 |
| Assets per employee ($millions) | 4.9482% | 2,204 |
| Cash dividends to net income (ytd only)* | 64.7984% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 5,529 |
| Loan loss allowance to noncurrent loans | 200.6873% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.9919% | 4,881 |
| Noncurrent loans to loans | 0.5995% | 5,719 |
| Net loans and leases to total assets | 74.1072% | 1,396 |
| Net loans and leases to deposits | 90.8904% | 1,170 |
| Net loans and leases to core deposits | 96.6987% | 1,610 |
| Total domestic deposits to total assets | 81.5347% | 5,340 |
| Equity capital to assets | 10.4409% | 3,587 |
| Core capital (leverage) ratio | 8.8381% | 4,984 |
| Tier 1 risk-based capital ratio | 10.8122% | 6,649 |
| Total risk-based capital ratio | 11.2199% | 6,989 |
| Memoranda: | ||
| Average total assets | $832,597,670 | 803 |
| Average earning assets | $749,944,000 | 811 |
| Average equity | $86,246,000 | 782 |
| Average total loans | $611,939,670 | 698 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 3,483 |
| Cost of funding earning assets | 1.0007% | 4,200 |
| Net interest margin | 3.9195% | 3,047 |
| Noninterest income to average assets | 1.0083% | 1,302 |
| Noninterest expense to average assets | 2.5126% | 5,510 |
| Loan and lease loss provision to assets | 0.3834% | 2,265 |
| Net operating income to assets | 1.1914% | 1,547 |
| Return on assets (ROA) | 1.1914% | 1,592 |
| Pretax return on assets | 1.6511% | 1,078 |
| Return on Equity (ROE) | 11.5476% | 1,588 |
| Retained earnings to average equity (ytd only) | 4.0489% | 3,735 |
| Net charge-offs to loans | 0.0830% | 4,121 |
| Credit loss provision to net charge-offs | 635.2000% | 592 |
| Earnings coverage of net charge-offs (x) | 33.7040% | 771 |
| Efficiency ratio | 55.1614% | 6,593 |
| Assets per employee ($millions) | 4.8898% | 2,308 |
| Cash dividends to net income (ytd only)* | 64.9372% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,824 |
| Loan loss allowance to noncurrent loans | 120.7365% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2934% | 4,378 |
| Noncurrent loans to loans | 0.9562% | 5,125 |
| Net loans and leases to total assets | 72.2649% | 1,667 |
| Net loans and leases to deposits | 90.1199% | 1,216 |
| Net loans and leases to core deposits | 97.3534% | 1,570 |
| Total domestic deposits to total assets | 80.1875% | 5,896 |
| Equity capital to assets | 10.3617% | 3,336 |
| Core capital (leverage) ratio | 8.8291% | 4,883 |
| Tier 1 risk-based capital ratio | 11.2572% | 6,302 |
| Total risk-based capital ratio | 11.6160% | 6,860 |
| Memoranda: | ||
| Average total assets | $828,302,000 | 810 |
| Average earning assets | $747,859,500 | 816 |
| Average equity | $85,455,000 | 776 |
| Average total loans | $602,422,500 | 719 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1331% | 3,942 |
| Cost of funding earning assets | 1.2624% | 4,126 |
| Net interest margin | 3.8707% | 3,635 |
| Noninterest income to average assets | 0.9037% | 1,843 |
| Noninterest expense to average assets | 2.5555% | 5,598 |
| Loan and lease loss provision to assets | 0.8043% | 2,022 |
| Net operating income to assets | 0.7906% | 2,848 |
| Return on assets (ROA) | 0.9117% | 2,475 |
| Pretax return on assets | 1.1984% | 2,232 |
| Return on Equity (ROE) | 8.6998% | 2,420 |
| Retained earnings to average equity (ytd only) | 2.3034% | 4,267 |
| Net charge-offs to loans | 1.0363% | 2,127 |
| Credit loss provision to net charge-offs | 111.6040% | 3,927 |
| Earnings coverage of net charge-offs (x) | 2.5578% | 3,833 |
| Efficiency ratio | 57.9762% | 6,337 |
| Assets per employee ($millions) | 4.8265% | 2,391 |
| Cash dividends to net income (ytd only)* | 73.5235% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 6,096 |
| Loan loss allowance to noncurrent loans | 93.2834% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1531% | 4,706 |
| Noncurrent loans to loans | 1.1395% | 4,833 |
| Net loans and leases to total assets | 71.5790% | 2,181 |
| Net loans and leases to deposits | 90.1159% | 1,508 |
| Net loans and leases to core deposits | 97.1970% | 1,873 |
| Total domestic deposits to total assets | 79.4300% | 5,988 |
| Equity capital to assets | 10.2718% | 3,416 |
| Core capital (leverage) ratio | 8.8273% | 4,811 |
| Tier 1 risk-based capital ratio | 11.3824% | 6,010 |
| Total risk-based capital ratio | 11.4779% | 6,835 |
| Memoranda: | ||
| Average total assets | $822,707,600 | 820 |
| Average earning assets | $742,863,000 | 826 |
| Average equity | $86,220,800 | 774 |
| Average total loans | $572,129,000 | 785 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 3,909 |
| Cost of funding earning assets | 1.3266% | 4,063 |
| Net interest margin | 3.8588% | 3,718 |
| Noninterest income to average assets | 0.9041% | 1,784 |
| Noninterest expense to average assets | 2.4922% | 5,739 |
| Loan and lease loss provision to assets | 0.8082% | 1,875 |
| Net operating income to assets | 0.8184% | 2,925 |
| Return on assets (ROA) | 0.9517% | 2,534 |
| Pretax return on assets | 1.2654% | 2,279 |
| Return on Equity (ROE) | 9.0363% | 2,478 |
| Retained earnings to average equity (ytd only) | 2.3869% | 4,742 |
| Net charge-offs to loans | 0.3452% | 3,930 |
| Credit loss provision to net charge-offs | 340.1365% | 935 |
| Earnings coverage of net charge-offs (x) | 7.9789% | 2,230 |
| Efficiency ratio | 56.6771% | 6,461 |
| Assets per employee ($millions) | 4.6967% | 2,601 |
| Cash dividends to net income (ytd only)* | 73.5856% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,528 |
| Loan loss allowance to noncurrent loans | 177.0596% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 5,390 |
| Noncurrent loans to loans | 0.9037% | 5,439 |
| Net loans and leases to total assets | 70.2652% | 2,674 |
| Net loans and leases to deposits | 89.2223% | 1,833 |
| Net loans and leases to core deposits | 99.0350% | 1,938 |
| Total domestic deposits to total assets | 78.7529% | 6,078 |
| Equity capital to assets | 11.0083% | 2,953 |
| Core capital (leverage) ratio | 8.8387% | 4,942 |
| Tier 1 risk-based capital ratio | 11.5516% | 5,878 |
| Total risk-based capital ratio | 11.7860% | 6,737 |
| Memoranda: | ||
| Average total assets | $822,050,250 | 824 |
| Average earning assets | $742,216,000 | 826 |
| Average equity | $86,581,750 | 770 |
| Average total loans | $565,882,500 | 798 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 4,163 |
| Cost of funding earning assets | 1.3882% | 3,950 |
| Net interest margin | 3.7674% | 4,058 |
| Noninterest income to average assets | 0.8344% | 1,948 |
| Noninterest expense to average assets | 2.3446% | 6,239 |
| Loan and lease loss provision to assets | 0.8347% | 1,743 |
| Net operating income to assets | 0.8199% | 2,878 |
| Return on assets (ROA) | 0.8511% | 2,877 |
| Pretax return on assets | 1.1010% | 2,781 |
| Return on Equity (ROE) | 8.2004% | 2,809 |
| Retained earnings to average equity (ytd only) | 2.4683% | 4,581 |
| Net charge-offs to loans | 0.4690% | 3,131 |
| Credit loss provision to net charge-offs | 261.6957% | 1,452 |
| Earnings coverage of net charge-offs (x) | 5.9417% | 2,565 |
| Efficiency ratio | 55.1765% | 6,738 |
| Assets per employee ($millions) | 4.6527% | 2,643 |
| Cash dividends to net income (ytd only)* | 69.9007% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 4,674 |
| Loan loss allowance to noncurrent loans | 207.5346% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6951% | 5,756 |
| Noncurrent loans to loans | 0.6515% | 5,953 |
| Net loans and leases to total assets | 69.8475% | 2,936 |
| Net loans and leases to deposits | 88.3176% | 2,120 |
| Net loans and leases to core deposits | 100.1356% | 2,001 |
| Total domestic deposits to total assets | 79.0867% | 6,013 |
| Equity capital to assets | 10.7072% | 3,168 |
| Core capital (leverage) ratio | 8.5533% | 5,317 |
| Tier 1 risk-based capital ratio | 11.3505% | 5,907 |
| Total risk-based capital ratio | 11.5733% | 6,798 |
| Memoranda: | ||
| Average total assets | $828,354,670 | 820 |
| Average earning assets | $748,742,330 | 824 |
| Average equity | $85,971,670 | 763 |
| Average total loans | $563,342,330 | 813 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0545% | 4,762 |
| Cost of funding earning assets | 1.4542% | 3,843 |
| Net interest margin | 3.6003% | 4,727 |
| Noninterest income to average assets | 1.0811% | 1,087 |
| Noninterest expense to average assets | 2.2628% | 6,507 |
| Loan and lease loss provision to assets | 0.6895% | 1,847 |
| Net operating income to assets | 1.0380% | 2,040 |
| Return on assets (ROA) | 1.0380% | 2,100 |
| Pretax return on assets | 1.3876% | 1,810 |
| Return on Equity (ROE) | 10.1585% | 2,046 |
| Retained earnings to average equity (ytd only) | 4.9762% | 3,168 |
| Net charge-offs to loans | 0.8722% | 1,809 |
| Credit loss provision to net charge-offs | 118.6161% | 2,944 |
| Earnings coverage of net charge-offs (x) | 3.5733% | 2,862 |
| Efficiency ratio | 52.0190% | 7,150 |
| Assets per employee ($millions) | 4.9875% | 2,246 |
| Cash dividends to net income (ytd only)* | 51.0148% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 6,282 |
| Loan loss allowance to noncurrent loans | 199.8981% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 5,976 |
| Noncurrent loans to loans | 0.5205% | 6,247 |
| Net loans and leases to total assets | 67.2034% | 3,577 |
| Net loans and leases to deposits | 87.2578% | 2,365 |
| Net loans and leases to core deposits | 99.5419% | 2,178 |
| Total domestic deposits to total assets | 77.0171% | 6,559 |
| Equity capital to assets | 10.3458% | 3,415 |
| Core capital (leverage) ratio | 9.0449% | 4,485 |
| Tier 1 risk-based capital ratio | 12.3188% | 4,886 |
| Total risk-based capital ratio | 13.2812% | 5,126 |
| Memoranda: | ||
| Average total assets | $835,418,500 | 831 |
| Average earning assets | $756,157,000 | 831 |
| Average equity | $85,367,000 | 777 |
| Average total loans | $556,757,500 | 851 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3906% | 4,742 |
| Cost of funding earning assets | 1.8288% | 3,843 |
| Net interest margin | 3.5618% | 4,687 |
| Noninterest income to average assets | 1.5189% | 620 |
| Noninterest expense to average assets | 3.3427% | 2,861 |
| Loan and lease loss provision to assets | 0.4768% | 3,975 |
| Net operating income to assets | 0.6896% | 2,978 |
| Return on assets (ROA) | 0.8563% | 2,400 |
| Pretax return on assets | 1.1246% | 2,174 |
| Return on Equity (ROE) | 8.2883% | 2,267 |
| Retained earnings to average equity (ytd only) | 4.0401% | 2,390 |
| Net charge-offs to loans | 0.5343% | 3,646 |
| Credit loss provision to net charge-offs | 132.8400% | 3,763 |
| Earnings coverage of net charge-offs (x) | 3.8502% | 3,172 |
| Efficiency ratio | 69.8648% | 4,654 |
| Assets per employee ($millions) | 4.8435% | 2,420 |
| Cash dividends to net income (ytd only)* | 51.2555% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 6,202 |
| Loan loss allowance to noncurrent loans | 120.4555% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 5,459 |
| Noncurrent loans to loans | 0.8575% | 5,582 |
| Net loans and leases to total assets | 64.7105% | 4,438 |
| Net loans and leases to deposits | 84.5659% | 3,170 |
| Net loans and leases to core deposits | 97.7320% | 4,253 |
| Total domestic deposits to total assets | 76.5208% | 6,583 |
| Equity capital to assets | 10.0919% | 3,630 |
| Core capital (leverage) ratio | 9.3755% | 3,866 |
| Tier 1 risk-based capital ratio | 12.2488% | 4,725 |
| Total risk-based capital ratio | 13.1799% | 4,953 |
| Memoranda: | ||
| Average total assets | $790,616,800 | 867 |
| Average earning assets | $711,602,800 | 876 |
| Average equity | $81,681,800 | 794 |
| Average total loans | $531,207,000 | 897 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4762% | 4,540 |
| Cost of funding earning assets | 1.9015% | 3,882 |
| Net interest margin | 3.5748% | 4,573 |
| Noninterest income to average assets | 1.4903% | 666 |
| Noninterest expense to average assets | 3.3348% | 2,785 |
| Loan and lease loss provision to assets | 0.3732% | 4,088 |
| Net operating income to assets | 0.7509% | 3,021 |
| Return on assets (ROA) | 0.9224% | 2,406 |
| Pretax return on assets | 1.2263% | 2,176 |
| Return on Equity (ROE) | 8.8731% | 2,313 |
| Retained earnings to average equity (ytd only) | 4.9816% | 2,503 |
| Net charge-offs to loans | 0.2854% | 4,245 |
| Credit loss provision to net charge-offs | 193.2624% | 2,336 |
| Earnings coverage of net charge-offs (x) | 7.0984% | 2,473 |
| Efficiency ratio | 69.9629% | 4,598 |
| Assets per employee ($millions) | 3.2372% | 5,555 |
| Cash dividends to net income (ytd only)* | 43.8568% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 5,989 |
| Loan loss allowance to noncurrent loans | 230.2390% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6345% | 5,860 |
| Noncurrent loans to loans | 0.4577% | 6,404 |
| Net loans and leases to total assets | 69.2663% | 3,659 |
| Net loans and leases to deposits | 91.4666% | 2,322 |
| Net loans and leases to core deposits | 107.5905% | 3,519 |
| Total domestic deposits to total assets | 75.7286% | 6,634 |
| Equity capital to assets | 10.8825% | 3,136 |
| Core capital (leverage) ratio | 8.2602% | 5,903 |
| Tier 1 risk-based capital ratio | 10.7496% | 6,210 |
| Total risk-based capital ratio | 11.7432% | 6,429 |
| Memoranda: | ||
| Average total assets | $778,790,750 | 888 |
| Average earning assets | $700,488,250 | 903 |
| Average equity | $80,961,750 | 809 |
| Average total loans | $527,038,250 | 919 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 4,685 |
| Cost of funding earning assets | 1.9824% | 3,862 |
| Net interest margin | 3.5084% | 4,762 |
| Noninterest income to average assets | 1.4775% | 675 |
| Noninterest expense to average assets | 3.4174% | 2,572 |
| Loan and lease loss provision to assets | 0.4323% | 3,397 |
| Net operating income to assets | 0.5999% | 3,674 |
| Return on assets (ROA) | 0.8484% | 2,764 |
| Pretax return on assets | 1.0995% | 2,638 |
| Return on Equity (ROE) | 8.2911% | 2,657 |
| Retained earnings to average equity (ytd only) | 4.1141% | 3,004 |
| Net charge-offs to loans | 0.3766% | 3,312 |
| Credit loss provision to net charge-offs | 171.6037% | 2,679 |
| Earnings coverage of net charge-offs (x) | 4.7998% | 2,998 |
| Efficiency ratio | 72.9366% | 4,214 |
| Assets per employee ($millions) | 2.8940% | 6,407 |
| Cash dividends to net income (ytd only)* | 50.3791% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 6,018 |
| Loan loss allowance to noncurrent loans | 149.3671% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8317% | 5,326 |
| Noncurrent loans to loans | 0.6900% | 5,867 |
| Net loans and leases to total assets | 68.4875% | 4,074 |
| Net loans and leases to deposits | 90.7673% | 2,704 |
| Net loans and leases to core deposits | 105.5262% | 3,892 |
| Total domestic deposits to total assets | 75.4540% | 6,669 |
| Equity capital to assets | 10.6442% | 3,258 |
| Core capital (leverage) ratio | 8.0941% | 6,172 |
| Tier 1 risk-based capital ratio | 10.8184% | 6,057 |
| Total risk-based capital ratio | 11.7789% | 6,301 |
| Memoranda: | ||
| Average total assets | $777,250,670 | 902 |
| Average earning assets | $697,640,000 | 920 |
| Average equity | $79,530,670 | 833 |
| Average total loans | $519,911,330 | 954 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4395% | 5,230 |
| Cost of funding earning assets | 2.0600% | 3,828 |
| Net interest margin | 3.3795% | 5,216 |
| Noninterest income to average assets | 1.3554% | 781 |
| Noninterest expense to average assets | 3.3052% | 2,641 |
| Loan and lease loss provision to assets | 0.4976% | 2,480 |
| Net operating income to assets | 0.4803% | 4,518 |
| Return on assets (ROA) | 0.7090% | 3,705 |
| Pretax return on assets | 0.8521% | 3,881 |
| Return on Equity (ROE) | 7.0670% | 3,569 |
| Retained earnings to average equity (ytd only) | 3.2797% | 4,051 |
| Net charge-offs to loans | 0.2470% | 3,170 |
| Credit loss provision to net charge-offs | 306.2696% | 1,585 |
| Earnings coverage of net charge-offs (x) | 6.6113% | 2,471 |
| Efficiency ratio | 74.4824% | 3,734 |
| Assets per employee ($millions) | 3.0606% | 5,993 |
| Cash dividends to net income (ytd only)* | 53.5920% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 5,896 |
| Loan loss allowance to noncurrent loans | 104.2393% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 4,825 |
| Noncurrent loans to loans | 0.9934% | 5,010 |
| Net loans and leases to total assets | 66.2031% | 4,538 |
| Net loans and leases to deposits | 89.0008% | 3,106 |
| Net loans and leases to core deposits | 103.3555% | 4,209 |
| Total domestic deposits to total assets | 74.3848% | 6,823 |
| Equity capital to assets | 10.4290% | 3,532 |
| Core capital (leverage) ratio | 7.7296% | 6,850 |
| Tier 1 risk-based capital ratio | 10.1284% | 6,776 |
| Total risk-based capital ratio | 11.0577% | 7,037 |
| Memoranda: | ||
| Average total assets | $785,315,500 | 894 |
| Average earning assets | $702,715,500 | 909 |
| Average equity | $78,788,500 | 835 |
| Average total loans | $516,516,500 | 966 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0548% | 5,272 |
| Cost of funding earning assets | 2.6340% | 3,511 |
| Net interest margin | 3.4208% | 5,578 |
| Noninterest income to average assets | 1.6874% | 479 |
| Noninterest expense to average assets | 3.2358% | 3,205 |
| Loan and lease loss provision to assets | 0.8454% | 1,767 |
| Net operating income to assets | 0.6844% | 3,961 |
| Return on assets (ROA) | 0.8289% | 3,150 |
| Pretax return on assets | 0.7940% | 4,101 |
| Return on Equity (ROE) | 8.2320% | 2,962 |
| Retained earnings to average equity (ytd only) | 3.4009% | 3,029 |
| Net charge-offs to loans | 1.1191% | 1,080 |
| Credit loss provision to net charge-offs | 117.2312% | 4,594 |
| Earnings coverage of net charge-offs (x) | 2.0729% | 5,041 |
| Efficiency ratio | 67.4538% | 4,825 |
| Assets per employee ($millions) | 3.1229% | 5,705 |
| Cash dividends to net income (ytd only)* | 58.6862% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 6,556 |
| Loan loss allowance to noncurrent loans | 78.3524% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0254% | 4,263 |
| Noncurrent loans to loans | 1.1761% | 4,169 |
| Net loans and leases to total assets | 64.0744% | 5,258 |
| Net loans and leases to deposits | 86.0065% | 4,119 |
| Net loans and leases to core deposits | 98.3496% | 5,005 |
| Total domestic deposits to total assets | 74.4995% | 6,556 |
| Equity capital to assets | 9.6444% | 4,495 |
| Core capital (leverage) ratio | 7.1985% | 7,524 |
| Tier 1 risk-based capital ratio | 9.8235% | 6,930 |
| Total risk-based capital ratio | 10.6321% | 7,360 |
| Memoranda: | ||
| Average total assets | $749,275,400 | 894 |
| Average earning assets | $666,578,200 | 914 |
| Average equity | $75,449,600 | 879 |
| Average total loans | $482,780,000 | 994 |