Home > Central Bank > Performance and Condition Ratios
Central Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 1,370 |
| Cost of funding earning assets | 1.4235% | 2,164 |
| Net interest margin | 3.9394% | 1,295 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.2363% | 3,025 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.4117% | 1,197 |
| Return on assets (ROA) | 1.4117% | 1,171 |
| Pretax return on assets | 1.8837% | 792 |
| Return on Equity (ROE) | 13.0300% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.1585% | 974 |
| Net charge-offs to loans | 0.0331% | 1,634 |
| Credit loss provision to net charge-offs | 635.3591% | 565 |
| Earnings coverage of net charge-offs (x) | 109.4696% | 859 |
| Efficiency ratio | 52.7951% | 3,766 |
| Assets per employee ($millions) | 7.0673% | 2,028 |
| Cash dividends to net income (ytd only)* | 22.0474% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9669% | 120 |
| Loan loss allowance to noncurrent loans | 755.5556% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 1,929 |
| Noncurrent loans to loans | 0.3927% | 1,807 |
| Net loans and leases to total assets | 57.0500% | 3,117 |
| Net loans and leases to deposits | 77.7375% | 2,294 |
| Net loans and leases to core deposits | 86.9289% | 2,249 |
| Total domestic deposits to total assets | 73.3900% | 4,141 |
| Equity capital to assets | 11.8845% | 1,175 |
| Core capital (leverage) ratio | 13.0963% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,985,916,400 | 579 |
| Average earning assets | $1,872,940,800 | 558 |
| Average equity | $215,129,600 | 509 |
| Average total loans | $1,092,513,000 | 683 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2110% | 1,437 |
| Cost of funding earning assets | 1.3528% | 1,998 |
| Net interest margin | 3.8583% | 1,480 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.2267% | 3,007 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.4153% | 1,285 |
| Return on assets (ROA) | 1.4153% | 1,268 |
| Pretax return on assets | 1.8866% | 877 |
| Return on Equity (ROE) | 13.3900% | 1,823 |
| Retained earnings to average equity (ytd only) | 9.9628% | 1,415 |
| Net charge-offs to loans | 0.0134% | 1,918 |
| Credit loss provision to net charge-offs | 277.7778% | 928 |
| Earnings coverage of net charge-offs (x) | 263.6574% | 493 |
| Efficiency ratio | 53.8159% | 3,602 |
| Assets per employee ($millions) | 7.0028% | 1,962 |
| Cash dividends to net income (ytd only)* | 25.5713% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9299% | 127 |
| Loan loss allowance to noncurrent loans | 9,035.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 3,362 |
| Noncurrent loans to loans | 0.0324% | 3,538 |
| Net loans and leases to total assets | 55.3500% | 3,262 |
| Net loans and leases to deposits | 71.1550% | 2,760 |
| Net loans and leases to core deposits | 78.6144% | 2,706 |
| Total domestic deposits to total assets | 77.7900% | 3,840 |
| Equity capital to assets | 11.0907% | 1,312 |
| Core capital (leverage) ratio | 13.2631% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,991,214,750 | 575 |
| Average earning assets | $1,878,275,250 | 555 |
| Average equity | $210,537,750 | 514 |
| Average total loans | $1,076,851,500 | 687 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 1,464 |
| Cost of funding earning assets | 1.2879% | 1,742 |
| Net interest margin | 3.7631% | 1,694 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.1908% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3913% | 1,357 |
| Return on assets (ROA) | 1.3913% | 1,333 |
| Pretax return on assets | 1.8598% | 921 |
| Return on Equity (ROE) | 13.3700% | 1,824 |
| Retained earnings to average equity (ytd only) | 9.1489% | 1,645 |
| Net charge-offs to loans | 0.0165% | 1,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 211.9773% | 577 |
| Efficiency ratio | 54.0268% | 3,608 |
| Assets per employee ($millions) | 7.1026% | 1,848 |
| Cash dividends to net income (ytd only)* | 31.5729% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0389% | 127 |
| Loan loss allowance to noncurrent loans | 21,787.8378% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,111 |
| Noncurrent loans to loans | 0.0139% | 3,679 |
| Net loans and leases to total assets | 52.1100% | 3,401 |
| Net loans and leases to deposits | 68.7246% | 2,879 |
| Net loans and leases to core deposits | 75.6127% | 2,780 |
| Total domestic deposits to total assets | 75.8200% | 4,062 |
| Equity capital to assets | 10.7620% | 1,479 |
| Core capital (leverage) ratio | 12.7007% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,006,026,667 | 559 |
| Average earning assets | $1,893,848,667 | 539 |
| Average equity | $208,746,333 | 507 |
| Average total loans | $1,065,755,333 | 680 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 1,444 |
| Cost of funding earning assets | 1.1355% | 1,645 |
| Net interest margin | 3.7482% | 1,795 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.1642% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4520% | 1,282 |
| Return on assets (ROA) | 1.4520% | 1,258 |
| Pretax return on assets | 1.8742% | 946 |
| Return on Equity (ROE) | 14.1900% | 1,743 |
| Retained earnings to average equity (ytd only) | 9.0685% | 1,930 |
| Net charge-offs to loans | 0.0333% | 1,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 106.4382% | 759 |
| Efficiency ratio | 53.5322% | 3,648 |
| Assets per employee ($millions) | 7.2453% | 1,788 |
| Cash dividends to net income (ytd only)* | 36.0948% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0268% | 121 |
| Loan loss allowance to noncurrent loans | 20,938.3117% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 3,143 |
| Noncurrent loans to loans | 0.0145% | 3,711 |
| Net loans and leases to total assets | 51.2900% | 3,398 |
| Net loans and leases to deposits | 66.7778% | 2,865 |
| Net loans and leases to core deposits | 72.6150% | 2,774 |
| Total domestic deposits to total assets | 76.8100% | 4,099 |
| Equity capital to assets | 10.4912% | 1,563 |
| Core capital (leverage) ratio | 12.2737% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,021,773,500 | 571 |
| Average earning assets | $1,910,682,000 | 545 |
| Average equity | $206,869,500 | 522 |
| Average total loans | $1,068,083,500 | 687 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 1,437 |
| Cost of funding earning assets | 0.3282% | 2,652 |
| Net interest margin | 3.7878% | 1,185 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.0327% | 3,493 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.3571% | 1,257 |
| Return on assets (ROA) | 1.2631% | 1,506 |
| Pretax return on assets | 1.6604% | 1,018 |
| Return on Equity (ROE) | 12.4000% | 2,007 |
| Retained earnings to average equity (ytd only) | 8.3187% | 1,716 |
| Net charge-offs to loans | -0.0100% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.3775% | 4,164 |
| Assets per employee ($millions) | 7.7148% | 1,477 |
| Cash dividends to net income (ytd only)* | 32.8886% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9173% | 129 |
| Loan loss allowance to noncurrent loans | 4,170.8945% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 2,858 |
| Noncurrent loans to loans | 0.0699% | 3,252 |
| Net loans and leases to total assets | 51.2400% | 3,414 |
| Net loans and leases to deposits | 65.3284% | 2,928 |
| Net loans and leases to core deposits | 70.3001% | 2,853 |
| Total domestic deposits to total assets | 78.4300% | 4,054 |
| Equity capital to assets | 9.9853% | 1,712 |
| Core capital (leverage) ratio | 12.0938% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,041,130,200 | 539 |
| Average earning assets | $1,936,358,200 | 518 |
| Average equity | $207,989,000 | 508 |
| Average total loans | $986,152,600 | 692 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 1,414 |
| Cost of funding earning assets | 0.2361% | 2,859 |
| Net interest margin | 3.6920% | 1,158 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.0100% | 3,458 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.3376% | 1,244 |
| Return on assets (ROA) | 1.3376% | 1,222 |
| Pretax return on assets | 1.7590% | 801 |
| Return on Equity (ROE) | 13.0600% | 1,680 |
| Retained earnings to average equity (ytd only) | 9.0060% | 1,649 |
| Net charge-offs to loans | -0.0261% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.9984% | 4,162 |
| Assets per employee ($millions) | 7.8211% | 1,413 |
| Cash dividends to net income (ytd only)* | 31.0513% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8340% | 154 |
| Loan loss allowance to noncurrent loans | 2,761.1374% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,125 |
| Noncurrent loans to loans | 0.1026% | 3,145 |
| Net loans and leases to total assets | 48.5600% | 3,575 |
| Net loans and leases to deposits | 56.6580% | 3,427 |
| Net loans and leases to core deposits | 60.3247% | 3,361 |
| Total domestic deposits to total assets | 85.7000% | 3,134 |
| Equity capital to assets | 9.5256% | 1,868 |
| Core capital (leverage) ratio | 12.1254% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,044,165,250 | 536 |
| Average earning assets | $1,940,307,000 | 517 |
| Average equity | $209,336,000 | 507 |
| Average total loans | $964,982,000 | 702 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7816% | 1,353 |
| Cost of funding earning assets | 0.2243% | 2,593 |
| Net interest margin | 3.5573% | 1,166 |
| Noninterest income to average assets | 0.5342% | 2,021 |
| Noninterest expense to average assets | 2.0156% | 3,389 |
| Loan and lease loss provision to assets | 0.2304% | 333 |
| Net operating income to assets | 1.2694% | 1,222 |
| Return on assets (ROA) | 1.2694% | 1,205 |
| Pretax return on assets | 1.6670% | 809 |
| Return on Equity (ROE) | 12.1112% | 1,640 |
| Retained earnings to average equity (ytd only) | 7.6987% | 1,729 |
| Net charge-offs to loans | -0.0456% | 4,202 |
| Credit loss provision to net charge-offs | -1,093.0233% | 3,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5096% | 4,165 |
| Assets per employee ($millions) | 7.8072% | 1,413 |
| Cash dividends to net income (ytd only)* | 36.4332% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8261% | 171 |
| Loan loss allowance to noncurrent loans | 110,624.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 3,704 |
| Noncurrent loans to loans | 0.0026% | 3,995 |
| Net loans and leases to total assets | 46.8474% | 3,646 |
| Net loans and leases to deposits | 54.7628% | 3,489 |
| Net loans and leases to core deposits | 58.6182% | 3,381 |
| Total domestic deposits to total assets | 85.5459% | 3,363 |
| Equity capital to assets | 9.7153% | 1,870 |
| Core capital (leverage) ratio | 11.8188% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,039,899,667 | 539 |
| Average earning assets | $1,937,529,667 | 523 |
| Average equity | $213,802,000 | 503 |
| Average total loans | $944,012,667 | 703 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6180% | 1,456 |
| Cost of funding earning assets | 0.2256% | 2,457 |
| Net interest margin | 3.3923% | 1,318 |
| Noninterest income to average assets | 0.5307% | 1,992 |
| Noninterest expense to average assets | 1.9545% | 3,546 |
| Loan and lease loss provision to assets | 0.2249% | 313 |
| Net operating income to assets | 1.1916% | 1,268 |
| Return on assets (ROA) | 1.1916% | 1,263 |
| Pretax return on assets | 1.5774% | 868 |
| Return on Equity (ROE) | 10.9717% | 1,628 |
| Retained earnings to average equity (ytd only) | 3.7695% | 3,024 |
| Net charge-offs to loans | -0.0035% | 3,233 |
| Credit loss provision to net charge-offs | -14,375.0000% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0254% | 4,200 |
| Assets per employee ($millions) | 7.9733% | 1,391 |
| Cash dividends to net income (ytd only)* | 65.6435% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7603% | 204 |
| Loan loss allowance to noncurrent loans | 154,405.8824% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,772 |
| Noncurrent loans to loans | 0.0018% | 4,039 |
| Net loans and leases to total assets | 44.9504% | 3,664 |
| Net loans and leases to deposits | 53.0555% | 3,491 |
| Net loans and leases to core deposits | 57.0403% | 3,373 |
| Total domestic deposits to total assets | 84.7234% | 3,605 |
| Equity capital to assets | 10.2986% | 1,687 |
| Core capital (leverage) ratio | 11.5798% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,044,916,500 | 542 |
| Average earning assets | $1,944,746,000 | 523 |
| Average equity | $222,099,000 | 502 |
| Average total loans | $926,721,500 | 710 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 1,888 |
| Cost of funding earning assets | 0.2541% | 2,877 |
| Net interest margin | 3.5376% | 1,632 |
| Noninterest income to average assets | 0.6929% | 1,790 |
| Noninterest expense to average assets | 2.1498% | 3,230 |
| Loan and lease loss provision to assets | 0.1231% | 999 |
| Net operating income to assets | 1.3234% | 1,541 |
| Return on assets (ROA) | 1.3234% | 1,582 |
| Pretax return on assets | 1.7598% | 1,001 |
| Return on Equity (ROE) | 10.3398% | 2,397 |
| Retained earnings to average equity (ytd only) | 8.3968% | 1,389 |
| Net charge-offs to loans | 0.0651% | 1,142 |
| Credit loss provision to net charge-offs | 399.8162% | 909 |
| Earnings coverage of net charge-offs (x) | 61.1691% | 1,161 |
| Efficiency ratio | 53.3086% | 4,000 |
| Assets per employee ($millions) | 7.7583% | 1,460 |
| Cash dividends to net income (ytd only)* | 18.7917% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7801% | 192 |
| Loan loss allowance to noncurrent loans | 1,254,550.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 2,867 |
| Noncurrent loans to loans | 0.0002% | 4,144 |
| Net loans and leases to total assets | 43.1654% | 3,898 |
| Net loans and leases to deposits | 51.7014% | 3,756 |
| Net loans and leases to core deposits | 55.7105% | 3,643 |
| Total domestic deposits to total assets | 83.4898% | 3,695 |
| Equity capital to assets | 11.4230% | 1,546 |
| Core capital (leverage) ratio | 11.6535% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,767,256,000 | 595 |
| Average earning assets | $1,668,429,400 | 574 |
| Average equity | $226,193,000 | 487 |
| Average total loans | $835,435,400 | 769 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 1,702 |
| Cost of funding earning assets | 0.2592% | 3,023 |
| Net interest margin | 3.6623% | 1,426 |
| Noninterest income to average assets | 0.7310% | 1,729 |
| Noninterest expense to average assets | 2.1927% | 3,091 |
| Loan and lease loss provision to assets | 0.1117% | 1,083 |
| Net operating income to assets | 1.4155% | 1,491 |
| Return on assets (ROA) | 1.4155% | 1,553 |
| Pretax return on assets | 1.8764% | 988 |
| Return on Equity (ROE) | 10.7154% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.6991% | 1,803 |
| Net charge-offs to loans | 0.0433% | 1,240 |
| Credit loss provision to net charge-offs | 535.7143% | 738 |
| Earnings coverage of net charge-offs (x) | 95.3459% | 894 |
| Efficiency ratio | 52.4477% | 3,990 |
| Assets per employee ($millions) | 7.1967% | 1,740 |
| Cash dividends to net income (ytd only)* | 18.8171% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9506% | 160 |
| Loan loss allowance to noncurrent loans | 3,448.0392% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 2,559 |
| Noncurrent loans to loans | 0.0856% | 3,658 |
| Net loans and leases to total assets | 43.6106% | 3,986 |
| Net loans and leases to deposits | 52.7602% | 3,830 |
| Net loans and leases to core deposits | 57.4452% | 3,665 |
| Total domestic deposits to total assets | 82.6582% | 3,787 |
| Equity capital to assets | 12.4755% | 1,184 |
| Core capital (leverage) ratio | 12.7866% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,700,898,250 | 618 |
| Average earning assets | $1,602,248,750 | 601 |
| Average equity | $224,692,750 | 492 |
| Average total loans | $818,667,250 | 802 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 1,586 |
| Cost of funding earning assets | 0.2650% | 3,133 |
| Net interest margin | 3.7255% | 1,281 |
| Noninterest income to average assets | 0.7800% | 1,585 |
| Noninterest expense to average assets | 2.2213% | 3,014 |
| Loan and lease loss provision to assets | 0.1122% | 1,129 |
| Net operating income to assets | 1.4752% | 1,362 |
| Return on assets (ROA) | 1.4752% | 1,420 |
| Pretax return on assets | 1.9502% | 918 |
| Return on Equity (ROE) | 10.9390% | 2,447 |
| Retained earnings to average equity (ytd only) | 7.8839% | 2,116 |
| Net charge-offs to loans | 0.1760% | 479 |
| Credit loss provision to net charge-offs | 129.1899% | 1,220 |
| Earnings coverage of net charge-offs (x) | 23.7486% | 1,457 |
| Efficiency ratio | 51.8546% | 4,062 |
| Assets per employee ($millions) | 6.5717% | 2,110 |
| Cash dividends to net income (ytd only)* | 27.9290% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8275% | 183 |
| Loan loss allowance to noncurrent loans | 7,327.8638% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 2,874 |
| Noncurrent loans to loans | 0.0386% | 4,004 |
| Net loans and leases to total assets | 47.7915% | 3,742 |
| Net loans and leases to deposits | 58.8455% | 3,471 |
| Net loans and leases to core deposits | 64.3841% | 3,257 |
| Total domestic deposits to total assets | 81.2152% | 4,062 |
| Equity capital to assets | 13.2391% | 880 |
| Core capital (leverage) ratio | 13.0825% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,648,948,000 | 626 |
| Average earning assets | $1,550,762,333 | 615 |
| Average equity | $222,377,667 | 492 |
| Average total loans | $813,436,667 | 807 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 1,528 |
| Cost of funding earning assets | 0.2687% | 3,291 |
| Net interest margin | 3.7726% | 1,196 |
| Noninterest income to average assets | 0.8481% | 1,467 |
| Noninterest expense to average assets | 2.2332% | 3,000 |
| Loan and lease loss provision to assets | 0.0616% | 1,893 |
| Net operating income to assets | 1.5794% | 1,165 |
| Return on assets (ROA) | 1.5794% | 1,221 |
| Pretax return on assets | 2.1011% | 807 |
| Return on Equity (ROE) | 11.6000% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.3405% | 2,139 |
| Net charge-offs to loans | 0.3398% | 247 |
| Credit loss provision to net charge-offs | 36.7107% | 1,362 |
| Earnings coverage of net charge-offs (x) | 12.8811% | 1,417 |
| Efficiency ratio | 50.8020% | 4,114 |
| Assets per employee ($millions) | 6.6553% | 2,051 |
| Cash dividends to net income (ytd only)* | 28.0987% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8058% | 183 |
| Loan loss allowance to noncurrent loans | 1,126.6634% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 2,299 |
| Noncurrent loans to loans | 0.2490% | 3,206 |
| Net loans and leases to total assets | 47.5650% | 3,852 |
| Net loans and leases to deposits | 58.3856% | 3,609 |
| Net loans and leases to core deposits | 63.8455% | 3,428 |
| Total domestic deposits to total assets | 81.4670% | 3,992 |
| Equity capital to assets | 13.2607% | 847 |
| Core capital (leverage) ratio | 13.8341% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,622,393,000 | 631 |
| Average earning assets | $1,525,729,000 | 620 |
| Average equity | $220,897,500 | 486 |
| Average total loans | $801,601,000 | 814 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 774 |
| Cost of funding earning assets | 0.3662% | 3,784 |
| Net interest margin | 4.4011% | 406 |
| Noninterest income to average assets | 0.9811% | 1,085 |
| Noninterest expense to average assets | 2.5920% | 2,578 |
| Loan and lease loss provision to assets | 0.0362% | 3,961 |
| Net operating income to assets | 1.8699% | 337 |
| Return on assets (ROA) | 1.8902% | 350 |
| Pretax return on assets | 2.4907% | 189 |
| Return on Equity (ROE) | 12.4558% | 1,191 |
| Retained earnings to average equity (ytd only) | 8.6754% | 859 |
| Net charge-offs to loans | 0.0593% | 1,928 |
| Credit loss provision to net charge-offs | 106.1571% | 2,761 |
| Earnings coverage of net charge-offs (x) | 73.3291% | 944 |
| Efficiency ratio | 50.8922% | 4,479 |
| Assets per employee ($millions) | 6.1719% | 2,192 |
| Cash dividends to net income (ytd only)* | 30.3502% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9983% | 145 |
| Loan loss allowance to noncurrent loans | 2,411.0997% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 2,158 |
| Noncurrent loans to loans | 0.1244% | 3,784 |
| Net loans and leases to total assets | 48.4154% | 3,946 |
| Net loans and leases to deposits | 59.6502% | 3,790 |
| Net loans and leases to core deposits | 65.2093% | 3,612 |
| Total domestic deposits to total assets | 81.1655% | 3,836 |
| Equity capital to assets | 13.9958% | 802 |
| Core capital (leverage) ratio | 14.2276% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,380,883,200 | 662 |
| Average earning assets | $1,290,198,400 | 654 |
| Average equity | $209,557,200 | 486 |
| Average total loans | $794,867,600 | 789 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 777 |
| Cost of funding earning assets | 0.3909% | 3,853 |
| Net interest margin | 4.4832% | 394 |
| Noninterest income to average assets | 0.9781% | 1,065 |
| Noninterest expense to average assets | 2.6659% | 2,350 |
| Loan and lease loss provision to assets | 0.0500% | 3,728 |
| Net operating income to assets | 1.8613% | 403 |
| Return on assets (ROA) | 1.8893% | 416 |
| Pretax return on assets | 2.4812% | 217 |
| Return on Equity (ROE) | 12.1719% | 1,321 |
| Retained earnings to average equity (ytd only) | 8.8807% | 1,016 |
| Net charge-offs to loans | 0.0274% | 2,285 |
| Credit loss provision to net charge-offs | 304.8780% | 1,745 |
| Earnings coverage of net charge-offs (x) | 152.2805% | 594 |
| Efficiency ratio | 51.6486% | 4,369 |
| Assets per employee ($millions) | 5.8762% | 2,374 |
| Cash dividends to net income (ytd only)* | 27.0390% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8655% | 158 |
| Loan loss allowance to noncurrent loans | 1,112.6873% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 2,167 |
| Noncurrent loans to loans | 0.2575% | 3,381 |
| Net loans and leases to total assets | 54.8420% | 3,728 |
| Net loans and leases to deposits | 68.6506% | 3,418 |
| Net loans and leases to core deposits | 75.4336% | 3,214 |
| Total domestic deposits to total assets | 79.8857% | 3,888 |
| Equity capital to assets | 14.6860% | 699 |
| Core capital (leverage) ratio | 14.5610% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,334,191,250 | 670 |
| Average earning assets | $1,245,001,500 | 656 |
| Average equity | $207,095,250 | 485 |
| Average total loans | $797,973,250 | 782 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 691 |
| Cost of funding earning assets | 0.4233% | 3,932 |
| Net interest margin | 4.6718% | 359 |
| Noninterest income to average assets | 0.8583% | 1,267 |
| Noninterest expense to average assets | 2.8153% | 2,066 |
| Loan and lease loss provision to assets | 0.0776% | 3,328 |
| Net operating income to assets | 1.7740% | 530 |
| Return on assets (ROA) | 1.8175% | 534 |
| Pretax return on assets | 2.3808% | 260 |
| Return on Equity (ROE) | 11.4744% | 1,484 |
| Retained earnings to average equity (ytd only) | 8.4275% | 1,183 |
| Net charge-offs to loans | 0.0300% | 2,120 |
| Credit loss provision to net charge-offs | 423.7288% | 1,355 |
| Earnings coverage of net charge-offs (x) | 131.2881% | 581 |
| Efficiency ratio | 53.9477% | 4,187 |
| Assets per employee ($millions) | 5.8215% | 2,348 |
| Cash dividends to net income (ytd only)* | 26.5534% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8931% | 149 |
| Loan loss allowance to noncurrent loans | 1,563.5588% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 2,372 |
| Noncurrent loans to loans | 0.1850% | 3,718 |
| Net loans and leases to total assets | 56.0395% | 3,681 |
| Net loans and leases to deposits | 70.6506% | 3,373 |
| Net loans and leases to core deposits | 77.8152% | 3,126 |
| Total domestic deposits to total assets | 79.3192% | 3,971 |
| Equity capital to assets | 14.7794% | 672 |
| Core capital (leverage) ratio | 14.9697% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,289,235,667 | 673 |
| Average earning assets | $1,203,275,000 | 663 |
| Average equity | $204,211,667 | 489 |
| Average total loans | $787,488,333 | 780 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 433 |
| Cost of funding earning assets | 0.4881% | 3,994 |
| Net interest margin | 4.9418% | 215 |
| Noninterest income to average assets | 0.8064% | 1,291 |
| Noninterest expense to average assets | 2.8911% | 2,149 |
| Loan and lease loss provision to assets | 0.1147% | 2,249 |
| Net operating income to assets | 1.8230% | 389 |
| Return on assets (ROA) | 1.9149% | 357 |
| Pretax return on assets | 2.5152% | 158 |
| Return on Equity (ROE) | 11.6345% | 1,215 |
| Retained earnings to average equity (ytd only) | 10.0478% | 739 |
| Net charge-offs to loans | 0.0114% | 2,175 |
| Credit loss provision to net charge-offs | 1,590.9091% | 406 |
| Earnings coverage of net charge-offs (x) | 348.6818% | 203 |
| Efficiency ratio | 53.4922% | 4,433 |
| Assets per employee ($millions) | 5.1268% | 2,504 |
| Cash dividends to net income (ytd only)* | 13.6379% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1058% | 138 |
| Loan loss allowance to noncurrent loans | 3,438.3502% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 2,416 |
| Noncurrent loans to loans | 0.0903% | 4,150 |
| Net loans and leases to total assets | 59.4972% | 3,544 |
| Net loans and leases to deposits | 76.1977% | 3,052 |
| Net loans and leases to core deposits | 84.2309% | 2,833 |
| Total domestic deposits to total assets | 78.0826% | 4,207 |
| Equity capital to assets | 16.3497% | 527 |
| Core capital (leverage) ratio | 16.6572% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,220,718,000 | 680 |
| Average earning assets | $1,135,858,000 | 669 |
| Average equity | $200,920,000 | 491 |
| Average total loans | $769,688,500 | 768 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9787% | 236 |
| Cost of funding earning assets | 0.4879% | 4,142 |
| Net interest margin | 5.4908% | 117 |
| Noninterest income to average assets | 0.8899% | 1,194 |
| Noninterest expense to average assets | 3.1365% | 1,674 |
| Loan and lease loss provision to assets | 0.2159% | 913 |
| Net operating income to assets | 2.0576% | 303 |
| Return on assets (ROA) | 2.0576% | 317 |
| Pretax return on assets | 2.6963% | 146 |
| Return on Equity (ROE) | 12.4961% | 1,329 |
| Retained earnings to average equity (ytd only) | 8.6200% | 808 |
| Net charge-offs to loans | -0.0750% | 4,902 |
| Credit loss provision to net charge-offs | -440.3915% | 4,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8538% | 4,613 |
| Assets per employee ($millions) | 4.9817% | 2,624 |
| Cash dividends to net income (ytd only)* | 31.0187% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0257% | 125 |
| Loan loss allowance to noncurrent loans | 1,078.7753% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 1,956 |
| Noncurrent loans to loans | 0.2805% | 3,438 |
| Net loans and leases to total assets | 62.8102% | 3,328 |
| Net loans and leases to deposits | 80.7191% | 2,694 |
| Net loans and leases to core deposits | 89.3415% | 2,482 |
| Total domestic deposits to total assets | 77.8133% | 4,391 |
| Equity capital to assets | 16.5758% | 520 |
| Core capital (leverage) ratio | 16.2753% | 490 |
| Tier 1 risk-based capital ratio | 22.6257% | 949 |
| Total risk-based capital ratio | 23.8943% | 933 |
| Memoranda: | ||
| Average total assets | $1,146,442,600 | 690 |
| Average earning assets | $1,077,119,400 | 675 |
| Average equity | $188,770,600 | 496 |
| Average total loans | $749,538,400 | 764 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0593% | 214 |
| Cost of funding earning assets | 0.4757% | 4,239 |
| Net interest margin | 5.5836% | 105 |
| Noninterest income to average assets | 0.8879% | 1,166 |
| Noninterest expense to average assets | 3.1816% | 1,499 |
| Loan and lease loss provision to assets | 0.2616% | 601 |
| Net operating income to assets | 2.0592% | 354 |
| Return on assets (ROA) | 2.0592% | 367 |
| Pretax return on assets | 2.6892% | 172 |
| Return on Equity (ROE) | 12.5278% | 1,432 |
| Retained earnings to average equity (ytd only) | 9.7484% | 816 |
| Net charge-offs to loans | 0.0111% | 2,966 |
| Credit loss provision to net charge-offs | 3,588.7097% | 119 |
| Earnings coverage of net charge-offs (x) | 404.8612% | 243 |
| Efficiency ratio | 51.8825% | 4,605 |
| Assets per employee ($millions) | 5.0205% | 2,537 |
| Cash dividends to net income (ytd only)* | 22.1854% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9005% | 143 |
| Loan loss allowance to noncurrent loans | 1,287.5000% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 2,086 |
| Noncurrent loans to loans | 0.2253% | 3,741 |
| Net loans and leases to total assets | 63.1970% | 3,363 |
| Net loans and leases to deposits | 81.7411% | 2,719 |
| Net loans and leases to core deposits | 90.2682% | 2,529 |
| Total domestic deposits to total assets | 77.3137% | 4,473 |
| Equity capital to assets | 16.3497% | 579 |
| Core capital (leverage) ratio | 16.4996% | 504 |
| Tier 1 risk-based capital ratio | 22.1273% | 1,051 |
| Total risk-based capital ratio | 23.3944% | 1,019 |
| Memoranda: | ||
| Average total assets | $1,134,154,000 | 699 |
| Average earning assets | $1,065,268,500 | 684 |
| Average equity | $186,418,250 | 502 |
| Average total loans | $743,326,000 | 765 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0361% | 217 |
| Cost of funding earning assets | 0.4632% | 4,269 |
| Net interest margin | 5.5729% | 111 |
| Noninterest income to average assets | 0.8870% | 1,102 |
| Noninterest expense to average assets | 3.2173% | 1,466 |
| Loan and lease loss provision to assets | 0.2379% | 665 |
| Net operating income to assets | 2.0423% | 359 |
| Return on assets (ROA) | 2.0423% | 376 |
| Pretax return on assets | 2.6659% | 194 |
| Return on Equity (ROE) | 12.4020% | 1,444 |
| Retained earnings to average equity (ytd only) | 8.4922% | 1,210 |
| Net charge-offs to loans | 0.0139% | 2,641 |
| Credit loss provision to net charge-offs | 2,598.0392% | 148 |
| Earnings coverage of net charge-offs (x) | 317.1176% | 252 |
| Efficiency ratio | 52.5607% | 4,610 |
| Assets per employee ($millions) | 4.8714% | 2,633 |
| Cash dividends to net income (ytd only)* | 31.5253% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8929% | 144 |
| Loan loss allowance to noncurrent loans | 1,476.0218% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 1,897 |
| Noncurrent loans to loans | 0.1960% | 3,849 |
| Net loans and leases to total assets | 63.2660% | 3,423 |
| Net loans and leases to deposits | 84.4122% | 2,445 |
| Net loans and leases to core deposits | 93.0385% | 2,322 |
| Total domestic deposits to total assets | 74.9489% | 4,770 |
| Equity capital to assets | 16.4772% | 539 |
| Core capital (leverage) ratio | 16.6421% | 469 |
| Tier 1 risk-based capital ratio | 22.3370% | 1,019 |
| Total risk-based capital ratio | 23.6042% | 995 |
| Memoranda: | ||
| Average total assets | $1,113,914,000 | 709 |
| Average earning assets | $1,046,211,330 | 694 |
| Average equity | $183,438,330 | 508 |
| Average total loans | $731,874,000 | 774 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9554% | 236 |
| Cost of funding earning assets | 0.4460% | 4,307 |
| Net interest margin | 5.5094% | 119 |
| Noninterest income to average assets | 0.8945% | 1,051 |
| Noninterest expense to average assets | 3.2528% | 1,380 |
| Loan and lease loss provision to assets | 0.2463% | 594 |
| Net operating income to assets | 1.9952% | 386 |
| Return on assets (ROA) | 1.9952% | 403 |
| Pretax return on assets | 2.5707% | 223 |
| Return on Equity (ROE) | 12.1191% | 1,489 |
| Retained earnings to average equity (ytd only) | 6.3555% | 2,292 |
| Net charge-offs to loans | 0.0393% | 1,714 |
| Credit loss provision to net charge-offs | 950.7042% | 389 |
| Earnings coverage of net charge-offs (x) | 108.7183% | 636 |
| Efficiency ratio | 53.5895% | 4,574 |
| Assets per employee ($millions) | 4.7030% | 2,914 |
| Cash dividends to net income (ytd only)* | 47.5581% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8726% | 149 |
| Loan loss allowance to noncurrent loans | 43,745.8333% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 2,115 |
| Noncurrent loans to loans | 0.0066% | 4,770 |
| Net loans and leases to total assets | 64.2381% | 3,256 |
| Net loans and leases to deposits | 82.9197% | 2,511 |
| Net loans and leases to core deposits | 91.5718% | 2,343 |
| Total domestic deposits to total assets | 77.4702% | 4,596 |
| Equity capital to assets | 16.5040% | 497 |
| Core capital (leverage) ratio | 16.5736% | 470 |
| Tier 1 risk-based capital ratio | 22.4330% | 995 |
| Total risk-based capital ratio | 23.7001% | 972 |
| Memoranda: | ||
| Average total assets | $1,096,045,000 | 726 |
| Average earning assets | $1,029,591,000 | 710 |
| Average equity | $180,442,000 | 510 |
| Average total loans | $723,307,500 | 787 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8705% | 210 |
| Cost of funding earning assets | 0.3288% | 4,417 |
| Net interest margin | 5.5417% | 104 |
| Noninterest income to average assets | 0.9648% | 1,026 |
| Noninterest expense to average assets | 3.1430% | 1,692 |
| Loan and lease loss provision to assets | 0.4848% | 245 |
| Net operating income to assets | 1.9333% | 409 |
| Return on assets (ROA) | 1.8949% | 447 |
| Pretax return on assets | 2.4815% | 212 |
| Return on Equity (ROE) | 11.9973% | 1,715 |
| Retained earnings to average equity (ytd only) | 10.3397% | 558 |
| Net charge-offs to loans | -0.0875% | 5,118 |
| Credit loss provision to net charge-offs | -860.9272% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5852% | 4,903 |
| Assets per employee ($millions) | 4.6044% | 3,013 |
| Cash dividends to net income (ytd only)* | 13.8162% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8497% | 151 |
| Loan loss allowance to noncurrent loans | 1,670.2703% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 1,795 |
| Noncurrent loans to loans | 0.1706% | 3,985 |
| Net loans and leases to total assets | 63.9827% | 3,363 |
| Net loans and leases to deposits | 83.2940% | 2,592 |
| Net loans and leases to core deposits | 91.6616% | 2,440 |
| Total domestic deposits to total assets | 76.8156% | 4,658 |
| Equity capital to assets | 16.4018% | 480 |
| Core capital (leverage) ratio | 16.2493% | 486 |
| Tier 1 risk-based capital ratio | 22.5819% | 959 |
| Total risk-based capital ratio | 23.8489% | 934 |
| Memoranda: | ||
| Average total assets | $1,072,566,200 | 713 |
| Average earning assets | $1,005,127,800 | 703 |
| Average equity | $169,405,400 | 517 |
| Average total loans | $690,111,000 | 797 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 228 |
| Cost of funding earning assets | 0.3104% | 4,448 |
| Net interest margin | 5.4739% | 107 |
| Noninterest income to average assets | 0.9702% | 1,013 |
| Noninterest expense to average assets | 2.8337% | 2,520 |
| Loan and lease loss provision to assets | 0.6485% | 155 |
| Net operating income to assets | 1.9893% | 390 |
| Return on assets (ROA) | 1.9379% | 444 |
| Pretax return on assets | 2.5519% | 207 |
| Return on Equity (ROE) | 12.3904% | 1,644 |
| Retained earnings to average equity (ytd only) | 10.6329% | 739 |
| Net charge-offs to loans | -0.0019% | 4,084 |
| Credit loss provision to net charge-offs | -52,000.0000% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4604% | 5,126 |
| Assets per employee ($millions) | 4.7008% | 2,849 |
| Cash dividends to net income (ytd only)* | 14.1846% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7082% | 190 |
| Loan loss allowance to noncurrent loans | 12,222.2222% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 1,927 |
| Noncurrent loans to loans | 0.0222% | 4,806 |
| Net loans and leases to total assets | 64.3899% | 3,374 |
| Net loans and leases to deposits | 83.0473% | 2,707 |
| Net loans and leases to core deposits | 90.5607% | 2,611 |
| Total domestic deposits to total assets | 77.5340% | 4,560 |
| Equity capital to assets | 15.6649% | 588 |
| Core capital (leverage) ratio | 16.0214% | 513 |
| Tier 1 risk-based capital ratio | 21.4773% | 1,120 |
| Total risk-based capital ratio | 22.7426% | 1,097 |
| Memoranda: | ||
| Average total assets | $1,069,049,250 | 715 |
| Average earning assets | $1,001,704,250 | 702 |
| Average equity | $167,200,000 | 517 |
| Average total loans | $683,725,750 | 806 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 218 |
| Cost of funding earning assets | 0.2911% | 4,482 |
| Net interest margin | 5.4509% | 115 |
| Noninterest income to average assets | 1.0163% | 925 |
| Noninterest expense to average assets | 2.8819% | 2,401 |
| Loan and lease loss provision to assets | 0.6054% | 171 |
| Net operating income to assets | 1.9362% | 427 |
| Return on assets (ROA) | 1.9350% | 429 |
| Pretax return on assets | 2.6289% | 174 |
| Return on Equity (ROE) | 12.3788% | 1,589 |
| Retained earnings to average equity (ytd only) | 10.9216% | 686 |
| Net charge-offs to loans | 0.0012% | 3,173 |
| Credit loss provision to net charge-offs | 80,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 4,276.0000% | 14 |
| Efficiency ratio | 47.1070% | 5,163 |
| Assets per employee ($millions) | 4.7646% | 2,724 |
| Cash dividends to net income (ytd only)* | 11.7716% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5397% | 234 |
| Loan loss allowance to noncurrent loans | 14,228.8000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 1,913 |
| Noncurrent loans to loans | 0.0178% | 4,862 |
| Net loans and leases to total assets | 62.0143% | 3,602 |
| Net loans and leases to deposits | 81.4706% | 2,821 |
| Net loans and leases to core deposits | 88.7725% | 2,660 |
| Total domestic deposits to total assets | 76.1186% | 4,842 |
| Equity capital to assets | 15.3493% | 617 |
| Core capital (leverage) ratio | 16.0127% | 491 |
| Tier 1 risk-based capital ratio | 21.3679% | 1,117 |
| Total risk-based capital ratio | 22.6307% | 1,096 |
| Memoranda: | ||
| Average total assets | $1,057,167,000 | 724 |
| Average earning assets | $989,377,670 | 716 |
| Average equity | $165,250,000 | 519 |
| Average total loans | $667,930,000 | 825 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8014% | 182 |
| Cost of funding earning assets | 0.2656% | 4,610 |
| Net interest margin | 5.5358% | 101 |
| Noninterest income to average assets | 0.8344% | 1,354 |
| Noninterest expense to average assets | 2.9085% | 2,335 |
| Loan and lease loss provision to assets | 0.4056% | 277 |
| Net operating income to assets | 2.0555% | 326 |
| Return on assets (ROA) | 2.0555% | 328 |
| Pretax return on assets | 2.6814% | 159 |
| Return on Equity (ROE) | 13.0251% | 1,255 |
| Retained earnings to average equity (ytd only) | 12.2908% | 631 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5116% | 5,171 |
| Assets per employee ($millions) | 4.6402% | 2,944 |
| Cash dividends to net income (ytd only)* | 5.6380% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3690% | 294 |
| Loan loss allowance to noncurrent loans | 503.8660% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1184% | 1,385 |
| Noncurrent loans to loans | 0.4702% | 3,119 |
| Net loans and leases to total assets | 61.1922% | 3,624 |
| Net loans and leases to deposits | 79.9232% | 2,816 |
| Net loans and leases to core deposits | 86.4236% | 2,768 |
| Total domestic deposits to total assets | 76.5638% | 4,912 |
| Equity capital to assets | 15.6809% | 541 |
| Core capital (leverage) ratio | 16.2187% | 463 |
| Tier 1 risk-based capital ratio | 21.7854% | 1,088 |
| Total risk-based capital ratio | 23.0459% | 1,062 |
| Memoranda: | ||
| Average total assets | $1,035,444,000 | 743 |
| Average earning assets | $965,351,500 | 733 |
| Average equity | $163,407,000 | 529 |
| Average total loans | $651,733,500 | 846 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3414% | 342 |
| Cost of funding earning assets | 0.2499% | 4,566 |
| Net interest margin | 5.0916% | 199 |
| Noninterest income to average assets | 0.9107% | 1,238 |
| Noninterest expense to average assets | 2.6521% | 3,279 |
| Loan and lease loss provision to assets | 0.3642% | 420 |
| Net operating income to assets | 1.4932% | 816 |
| Return on assets (ROA) | 1.4498% | 921 |
| Pretax return on assets | 2.5805% | 157 |
| Return on Equity (ROE) | 9.1786% | 2,228 |
| Retained earnings to average equity (ytd only) | 7.9803% | 774 |
| Net charge-offs to loans | -0.0821% | 5,323 |
| Credit loss provision to net charge-offs | -751.5658% | 5,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5514% | 5,379 |
| Assets per employee ($millions) | 4.7526% | 2,801 |
| Cash dividends to net income (ytd only)* | 13.0556% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2681% | 324 |
| Loan loss allowance to noncurrent loans | 1,485.7434% | 445 |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 1,362 |
| Noncurrent loans to loans | 0.1527% | 4,316 |
| Net loans and leases to total assets | 61.8135% | 3,646 |
| Net loans and leases to deposits | 80.0788% | 2,910 |
| Net loans and leases to core deposits | 86.7118% | 2,856 |
| Total domestic deposits to total assets | 77.1909% | 4,841 |
| Equity capital to assets | 15.8374% | 533 |
| Core capital (leverage) ratio | 15.8959% | 484 |
| Tier 1 risk-based capital ratio | 21.6213% | 1,058 |
| Total risk-based capital ratio | 22.8808% | 1,036 |
| Memoranda: | ||
| Average total assets | $988,494,800 | 752 |
| Average earning assets | $922,934,400 | 739 |
| Average equity | $156,134,600 | 529 |
| Average total loans | $583,152,600 | 880 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 389 |
| Cost of funding earning assets | 0.2619% | 4,467 |
| Net interest margin | 4.9789% | 237 |
| Noninterest income to average assets | 0.9231% | 1,206 |
| Noninterest expense to average assets | 2.5902% | 3,437 |
| Loan and lease loss provision to assets | 0.3668% | 400 |
| Net operating income to assets | 1.7112% | 567 |
| Return on assets (ROA) | 1.7146% | 577 |
| Pretax return on assets | 2.6247% | 176 |
| Return on Equity (ROE) | 10.8627% | 1,751 |
| Retained earnings to average equity (ytd only) | 9.6697% | 660 |
| Net charge-offs to loans | -0.0962% | 5,369 |
| Credit loss provision to net charge-offs | -658.5366% | 4,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4479% | 5,406 |
| Assets per employee ($millions) | 4.7615% | 2,742 |
| Cash dividends to net income (ytd only)* | 10.9825% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2739% | 358 |
| Loan loss allowance to noncurrent loans | 3,167.6744% | 234 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 1,237 |
| Noncurrent loans to loans | 0.0718% | 4,791 |
| Net loans and leases to total assets | 57.9918% | 4,059 |
| Net loans and leases to deposits | 74.9084% | 3,483 |
| Net loans and leases to core deposits | 80.6013% | 3,399 |
| Total domestic deposits to total assets | 77.4170% | 4,815 |
| Equity capital to assets | 15.9545% | 550 |
| Core capital (leverage) ratio | 16.1679% | 470 |
| Tier 1 risk-based capital ratio | 22.2581% | 1,021 |
| Total risk-based capital ratio | 23.5168% | 997 |
| Memoranda: | ||
| Average total assets | $981,353,000 | 756 |
| Average earning assets | $917,235,250 | 745 |
| Average equity | $154,899,250 | 537 |
| Average total loans | $568,122,750 | 903 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2189% | 384 |
| Cost of funding earning assets | 0.2660% | 4,409 |
| Net interest margin | 4.9530% | 240 |
| Noninterest income to average assets | 0.9181% | 1,218 |
| Noninterest expense to average assets | 2.6391% | 3,313 |
| Loan and lease loss provision to assets | 0.3704% | 378 |
| Net operating income to assets | 1.6765% | 590 |
| Return on assets (ROA) | 1.6809% | 601 |
| Pretax return on assets | 2.5552% | 195 |
| Return on Equity (ROE) | 10.6890% | 1,763 |
| Retained earnings to average equity (ytd only) | 9.2680% | 768 |
| Net charge-offs to loans | -0.0409% | 5,084 |
| Credit loss provision to net charge-offs | -1,578.9474% | 4,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4826% | 5,414 |
| Assets per employee ($millions) | 4.5792% | 2,975 |
| Cash dividends to net income (ytd only)* | 13.2942% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1463% | 468 |
| Loan loss allowance to noncurrent loans | 1,324.6269% | 476 |
| Noncurrent assets plus other real estate owned to assets | 1.4415% | 1,080 |
| Noncurrent loans to loans | 0.1620% | 4,470 |
| Net loans and leases to total assets | 58.6284% | 3,964 |
| Net loans and leases to deposits | 75.1944% | 3,437 |
| Net loans and leases to core deposits | 81.3767% | 3,306 |
| Total domestic deposits to total assets | 77.9691% | 4,819 |
| Equity capital to assets | 16.2599% | 503 |
| Core capital (leverage) ratio | 16.0153% | 474 |
| Tier 1 risk-based capital ratio | 22.1855% | 1,028 |
| Total risk-based capital ratio | 23.4429% | 1,007 |
| Memoranda: | ||
| Average total assets | $971,991,670 | 773 |
| Average earning assets | $910,567,330 | 754 |
| Average equity | $152,848,670 | 541 |
| Average total loans | $557,826,330 | 922 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0691% | 466 |
| Cost of funding earning assets | 0.2654% | 4,403 |
| Net interest margin | 4.8037% | 310 |
| Noninterest income to average assets | 0.8657% | 1,343 |
| Noninterest expense to average assets | 2.6157% | 3,432 |
| Loan and lease loss provision to assets | 0.3693% | 309 |
| Net operating income to assets | 1.6162% | 656 |
| Return on assets (ROA) | 1.6256% | 659 |
| Pretax return on assets | 2.3950% | 257 |
| Return on Equity (ROE) | 10.5149% | 1,735 |
| Retained earnings to average equity (ytd only) | 9.7187% | 876 |
| Net charge-offs to loans | -0.0833% | 5,390 |
| Credit loss provision to net charge-offs | -789.4737% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7460% | 5,432 |
| Assets per employee ($millions) | 4.6482% | 2,926 |
| Cash dividends to net income (ytd only)* | 7.5719% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0808% | 575 |
| Loan loss allowance to noncurrent loans | 1,116.7636% | 554 |
| Noncurrent assets plus other real estate owned to assets | 1.4865% | 1,084 |
| Noncurrent loans to loans | 0.1863% | 4,456 |
| Net loans and leases to total assets | 55.8259% | 4,195 |
| Net loans and leases to deposits | 72.8495% | 3,525 |
| Net loans and leases to core deposits | 78.7664% | 3,413 |
| Total domestic deposits to total assets | 76.6318% | 5,158 |
| Equity capital to assets | 15.7240% | 538 |
| Core capital (leverage) ratio | 15.6511% | 506 |
| Tier 1 risk-based capital ratio | 22.8178% | 1,000 |
| Total risk-based capital ratio | 24.0746% | 978 |
| Memoranda: | ||
| Average total assets | $974,878,500 | 772 |
| Average earning assets | $913,302,500 | 753 |
| Average equity | $150,720,000 | 542 |
| Average total loans | $547,288,000 | 941 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8581% | 790 |
| Cost of funding earning assets | 0.2598% | 4,467 |
| Net interest margin | 4.5982% | 512 |
| Noninterest income to average assets | 0.9359% | 1,305 |
| Noninterest expense to average assets | 2.7027% | 3,334 |
| Loan and lease loss provision to assets | 0.2564% | 815 |
| Net operating income to assets | 1.4886% | 846 |
| Return on assets (ROA) | 1.4885% | 868 |
| Pretax return on assets | 2.2721% | 293 |
| Return on Equity (ROE) | 9.5923% | 2,148 |
| Retained earnings to average equity (ytd only) | 8.1598% | 796 |
| Net charge-offs to loans | 0.9047% | 207 |
| Credit loss provision to net charge-offs | 52.9801% | 3,342 |
| Earnings coverage of net charge-offs (x) | 5.2256% | 3,368 |
| Efficiency ratio | 51.3579% | 5,419 |
| Assets per employee ($millions) | 4.7966% | 2,655 |
| Cash dividends to net income (ytd only)* | 14.9336% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9439% | 734 |
| Loan loss allowance to noncurrent loans | 599.6007% | 923 |
| Noncurrent assets plus other real estate owned to assets | 1.7720% | 843 |
| Noncurrent loans to loans | 0.3242% | 3,986 |
| Net loans and leases to total assets | 54.1842% | 4,429 |
| Net loans and leases to deposits | 70.3643% | 3,872 |
| Net loans and leases to core deposits | 75.7981% | 3,762 |
| Total domestic deposits to total assets | 77.0054% | 5,115 |
| Equity capital to assets | 15.2024% | 610 |
| Core capital (leverage) ratio | 15.0813% | 587 |
| Tier 1 risk-based capital ratio | 22.7697% | 986 |
| Total risk-based capital ratio | 24.0251% | 972 |
| Memoranda: | ||
| Average total assets | $936,178,200 | 768 |
| Average earning assets | $874,507,000 | 746 |
| Average equity | $145,272,800 | 544 |
| Average total loans | $500,707,200 | 975 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7866% | 928 |
| Cost of funding earning assets | 0.2618% | 4,485 |
| Net interest margin | 4.5248% | 592 |
| Noninterest income to average assets | 0.8862% | 1,453 |
| Noninterest expense to average assets | 2.6591% | 3,466 |
| Loan and lease loss provision to assets | 0.1729% | 1,303 |
| Net operating income to assets | 1.5016% | 881 |
| Return on assets (ROA) | 1.5206% | 895 |
| Pretax return on assets | 2.3081% | 311 |
| Return on Equity (ROE) | 9.7467% | 2,172 |
| Retained earnings to average equity (ytd only) | 8.5085% | 979 |
| Net charge-offs to loans | 0.7977% | 224 |
| Credit loss provision to net charge-offs | 40.8719% | 3,143 |
| Earnings coverage of net charge-offs (x) | 5.7980% | 3,079 |
| Efficiency ratio | 52.0249% | 5,384 |
| Assets per employee ($millions) | 4.8981% | 2,497 |
| Cash dividends to net income (ytd only)* | 12.7037% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1164% | 587 |
| Loan loss allowance to noncurrent loans | 198.5615% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 2.5146% | 540 |
| Noncurrent loans to loans | 1.0659% | 2,116 |
| Net loans and leases to total assets | 50.9754% | 4,736 |
| Net loans and leases to deposits | 66.9017% | 4,253 |
| Net loans and leases to core deposits | 71.9544% | 4,163 |
| Total domestic deposits to total assets | 76.1945% | 5,212 |
| Equity capital to assets | 15.0799% | 718 |
| Core capital (leverage) ratio | 15.3490% | 576 |
| Tier 1 risk-based capital ratio | 22.7708% | 1,033 |
| Total risk-based capital ratio | 24.0273% | 1,019 |
| Memoranda: | ||
| Average total assets | $925,594,000 | 776 |
| Average earning assets | $864,285,000 | 757 |
| Average equity | $144,401,500 | 553 |
| Average total loans | $490,706,000 | 994 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 922 |
| Cost of funding earning assets | 0.2751% | 4,389 |
| Net interest margin | 4.5045% | 618 |
| Noninterest income to average assets | 0.8964% | 1,383 |
| Noninterest expense to average assets | 2.7172% | 3,332 |
| Loan and lease loss provision to assets | 0.1548% | 1,477 |
| Net operating income to assets | 1.5037% | 888 |
| Return on assets (ROA) | 1.5335% | 885 |
| Pretax return on assets | 2.2726% | 328 |
| Return on Equity (ROE) | 9.7114% | 2,176 |
| Retained earnings to average equity (ytd only) | 8.2534% | 1,088 |
| Net charge-offs to loans | 0.3034% | 782 |
| Credit loss provision to net charge-offs | 95.6284% | 2,174 |
| Earnings coverage of net charge-offs (x) | 14.7199% | 2,047 |
| Efficiency ratio | 53.2761% | 5,365 |
| Assets per employee ($millions) | 4.5659% | 2,914 |
| Cash dividends to net income (ytd only)* | 15.0130% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5609% | 334 |
| Loan loss allowance to noncurrent loans | 105.7093% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 2.9783% | 412 |
| Noncurrent loans to loans | 2.4226% | 738 |
| Net loans and leases to total assets | 52.2749% | 4,645 |
| Net loans and leases to deposits | 68.1176% | 4,171 |
| Net loans and leases to core deposits | 73.8253% | 3,998 |
| Total domestic deposits to total assets | 76.7421% | 5,189 |
| Equity capital to assets | 15.9178% | 560 |
| Core capital (leverage) ratio | 15.7078% | 496 |
| Tier 1 risk-based capital ratio | 23.7115% | 932 |
| Total risk-based capital ratio | 24.9730% | 907 |
| Memoranda: | ||
| Average total assets | $904,319,330 | 801 |
| Average earning assets | $843,960,670 | 779 |
| Average equity | $142,801,000 | 559 |
| Average total loans | $482,519,670 | 1,008 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 941 |
| Cost of funding earning assets | 0.2724% | 4,475 |
| Net interest margin | 4.4807% | 630 |
| Noninterest income to average assets | 0.8725% | 1,379 |
| Noninterest expense to average assets | 2.6996% | 3,417 |
| Loan and lease loss provision to assets | 0.2228% | 853 |
| Net operating income to assets | 1.4619% | 916 |
| Return on assets (ROA) | 1.4822% | 930 |
| Pretax return on assets | 2.1582% | 415 |
| Return on Equity (ROE) | 9.4248% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.4248% | 993 |
| Net charge-offs to loans | 0.8392% | 244 |
| Credit loss provision to net charge-offs | 49.9002% | 2,056 |
| Earnings coverage of net charge-offs (x) | 5.2665% | 2,342 |
| Efficiency ratio | 53.4451% | 5,431 |
| Assets per employee ($millions) | 4.6428% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5444% | 373 |
| Loan loss allowance to noncurrent loans | 94.2030% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 3.4405% | 333 |
| Noncurrent loans to loans | 2.7010% | 658 |
| Net loans and leases to total assets | 51.3559% | 4,696 |
| Net loans and leases to deposits | 66.0700% | 4,246 |
| Net loans and leases to core deposits | 71.8525% | 4,072 |
| Total domestic deposits to total assets | 77.7296% | 5,190 |
| Equity capital to assets | 15.8050% | 557 |
| Core capital (leverage) ratio | 15.7941% | 501 |
| Tier 1 risk-based capital ratio | 23.7448% | 939 |
| Total risk-based capital ratio | 25.0058% | 927 |
| Memoranda: | ||
| Average total assets | $897,604,500 | 809 |
| Average earning assets | $837,092,500 | 793 |
| Average equity | $141,159,000 | 561 |
| Average total loans | $477,599,000 | 1,015 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 780 |
| Cost of funding earning assets | 0.2941% | 4,319 |
| Net interest margin | 4.6000% | 546 |
| Noninterest income to average assets | 1.1088% | 955 |
| Noninterest expense to average assets | 2.7723% | 3,342 |
| Loan and lease loss provision to assets | 0.2767% | 663 |
| Net operating income to assets | 1.5288% | 813 |
| Return on assets (ROA) | 1.5361% | 832 |
| Pretax return on assets | 2.3242% | 281 |
| Return on Equity (ROE) | 9.7330% | 2,112 |
| Retained earnings to average equity (ytd only) | 8.4535% | 790 |
| Net charge-offs to loans | 0.3645% | 802 |
| Credit loss provision to net charge-offs | 136.5485% | 1,915 |
| Earnings coverage of net charge-offs (x) | 12.7815% | 2,429 |
| Efficiency ratio | 51.3712% | 5,675 |
| Assets per employee ($millions) | 4.5643% | 2,936 |
| Cash dividends to net income (ytd only)* | 13.1458% | 4,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6439% | 341 |
| Loan loss allowance to noncurrent loans | 62.0295% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 3.8060% | 281 |
| Noncurrent loans to loans | 4.2624% | 266 |
| Net loans and leases to total assets | 52.2976% | 4,666 |
| Net loans and leases to deposits | 68.3401% | 4,100 |
| Net loans and leases to core deposits | 74.2339% | 3,915 |
| Total domestic deposits to total assets | 76.5255% | 5,387 |
| Equity capital to assets | 15.6383% | 571 |
| Core capital (leverage) ratio | 15.4550% | 542 |
| Tier 1 risk-based capital ratio | 23.2114% | 991 |
| Total risk-based capital ratio | 24.4735% | 974 |
| Memoranda: | ||
| Average total assets | $849,318,000 | 814 |
| Average earning assets | $785,346,600 | 801 |
| Average equity | $134,038,400 | 569 |
| Average total loans | $472,185,400 | 983 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 622 |
| Cost of funding earning assets | 0.2986% | 4,355 |
| Net interest margin | 4.7020% | 453 |
| Noninterest income to average assets | 1.1273% | 947 |
| Noninterest expense to average assets | 2.7947% | 3,205 |
| Loan and lease loss provision to assets | 0.2701% | 599 |
| Net operating income to assets | 1.6097% | 756 |
| Return on assets (ROA) | 1.6134% | 777 |
| Pretax return on assets | 2.4040% | 284 |
| Return on Equity (ROE) | 10.1983% | 2,026 |
| Retained earnings to average equity (ytd only) | 9.1869% | 839 |
| Net charge-offs to loans | 0.4818% | 507 |
| Credit loss provision to net charge-offs | 99.9412% | 2,307 |
| Earnings coverage of net charge-offs (x) | 9.8742% | 2,652 |
| Efficiency ratio | 51.1531% | 5,713 |
| Assets per employee ($millions) | 4.4359% | 3,117 |
| Cash dividends to net income (ytd only)* | 9.9172% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5126% | 427 |
| Loan loss allowance to noncurrent loans | 113.4612% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 3.2298% | 435 |
| Noncurrent loans to loans | 2.2145% | 991 |
| Net loans and leases to total assets | 53.5998% | 4,607 |
| Net loans and leases to deposits | 69.7688% | 4,011 |
| Net loans and leases to core deposits | 75.9658% | 3,808 |
| Total domestic deposits to total assets | 76.8249% | 5,371 |
| Equity capital to assets | 15.7876% | 596 |
| Core capital (leverage) ratio | 15.7375% | 527 |
| Tier 1 risk-based capital ratio | 22.5914% | 1,111 |
| Total risk-based capital ratio | 23.8520% | 1,088 |
| Memoranda: | ||
| Average total assets | $839,137,500 | 832 |
| Average earning assets | $773,829,000 | 825 |
| Average equity | $132,751,250 | 580 |
| Average total loans | $470,704,000 | 986 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0128% | 582 |
| Cost of funding earning assets | 0.3050% | 4,342 |
| Net interest margin | 4.7078% | 439 |
| Noninterest income to average assets | 1.1260% | 952 |
| Noninterest expense to average assets | 2.8775% | 2,967 |
| Loan and lease loss provision to assets | 0.1929% | 1,032 |
| Net operating income to assets | 1.6056% | 735 |
| Return on assets (ROA) | 1.6189% | 749 |
| Pretax return on assets | 2.4078% | 279 |
| Return on Equity (ROE) | 10.2209% | 1,968 |
| Retained earnings to average equity (ytd only) | 9.1447% | 878 |
| Net charge-offs to loans | 0.6582% | 350 |
| Credit loss provision to net charge-offs | 51.9143% | 2,684 |
| Earnings coverage of net charge-offs (x) | 6.9461% | 2,721 |
| Efficiency ratio | 52.7167% | 5,670 |
| Assets per employee ($millions) | 4.3316% | 3,245 |
| Cash dividends to net income (ytd only)* | 10.5302% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2995% | 631 |
| Loan loss allowance to noncurrent loans | 97.5591% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 3.3718% | 437 |
| Noncurrent loans to loans | 2.3571% | 991 |
| Net loans and leases to total assets | 56.4040% | 4,296 |
| Net loans and leases to deposits | 73.8057% | 3,514 |
| Net loans and leases to core deposits | 80.2967% | 3,362 |
| Total domestic deposits to total assets | 76.4223% | 5,542 |
| Equity capital to assets | 15.7879% | 551 |
| Core capital (leverage) ratio | 15.8997% | 482 |
| Tier 1 risk-based capital ratio | 21.3834% | 1,298 |
| Total risk-based capital ratio | 22.6405% | 1,277 |
| Memoranda: | ||
| Average total assets | $829,475,670 | 851 |
| Average earning assets | $763,328,670 | 840 |
| Average equity | $131,377,330 | 581 |
| Average total loans | $468,263,330 | 992 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 638 |
| Cost of funding earning assets | 0.3145% | 4,286 |
| Net interest margin | 4.6246% | 476 |
| Noninterest income to average assets | 1.0135% | 1,090 |
| Noninterest expense to average assets | 2.8630% | 3,025 |
| Loan and lease loss provision to assets | 0.1464% | 1,386 |
| Net operating income to assets | 1.5677% | 756 |
| Return on assets (ROA) | 1.5684% | 790 |
| Pretax return on assets | 2.2535% | 353 |
| Return on Equity (ROE) | 9.8857% | 2,057 |
| Retained earnings to average equity (ytd only) | 8.9630% | 1,204 |
| Net charge-offs to loans | 0.9866% | 239 |
| Credit loss provision to net charge-offs | 26.5957% | 2,301 |
| Earnings coverage of net charge-offs (x) | 4.3582% | 2,508 |
| Efficiency ratio | 54.4097% | 5,644 |
| Assets per employee ($millions) | 4.3103% | 3,351 |
| Cash dividends to net income (ytd only)* | 9.3342% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3905% | 625 |
| Loan loss allowance to noncurrent loans | 92.8518% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 3.4660% | 482 |
| Noncurrent loans to loans | 2.5745% | 932 |
| Net loans and leases to total assets | 54.3333% | 4,407 |
| Net loans and leases to deposits | 70.0337% | 3,745 |
| Net loans and leases to core deposits | 76.3380% | 3,558 |
| Total domestic deposits to total assets | 77.5816% | 5,524 |
| Equity capital to assets | 15.6516% | 597 |
| Core capital (leverage) ratio | 15.7602% | 494 |
| Tier 1 risk-based capital ratio | 21.0379% | 1,417 |
| Total risk-based capital ratio | 22.2954% | 1,393 |
| Memoranda: | ||
| Average total assets | $819,712,000 | 862 |
| Average earning assets | $753,024,500 | 850 |
| Average equity | $130,046,000 | 588 |
| Average total loans | $457,323,500 | 1,015 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 909 |
| Cost of funding earning assets | 0.3483% | 4,272 |
| Net interest margin | 4.5640% | 664 |
| Noninterest income to average assets | 1.2934% | 729 |
| Noninterest expense to average assets | 2.9243% | 3,069 |
| Loan and lease loss provision to assets | 0.1039% | 2,419 |
| Net operating income to assets | 1.6092% | 698 |
| Return on assets (ROA) | 1.6052% | 733 |
| Pretax return on assets | 2.4103% | 225 |
| Return on Equity (ROE) | 10.0518% | 2,094 |
| Retained earnings to average equity (ytd only) | 8.0639% | 998 |
| Net charge-offs to loans | 0.0289% | 4,245 |
| Credit loss provision to net charge-offs | 655.7377% | 403 |
| Earnings coverage of net charge-offs (x) | 159.0902% | 342 |
| Efficiency ratio | 53.7121% | 5,862 |
| Assets per employee ($millions) | 4.1395% | 3,649 |
| Cash dividends to net income (ytd only)* | 19.7768% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6885% | 428 |
| Loan loss allowance to noncurrent loans | 91.5549% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 3.9049% | 437 |
| Noncurrent loans to loans | 2.9365% | 776 |
| Net loans and leases to total assets | 54.4207% | 4,527 |
| Net loans and leases to deposits | 69.4970% | 3,977 |
| Net loans and leases to core deposits | 76.1522% | 3,698 |
| Total domestic deposits to total assets | 78.3065% | 5,375 |
| Equity capital to assets | 16.0892% | 525 |
| Core capital (leverage) ratio | 15.6674% | 507 |
| Tier 1 risk-based capital ratio | 24.0899% | 940 |
| Total risk-based capital ratio | 25.3529% | 921 |
| Memoranda: | ||
| Average total assets | $770,166,200 | 881 |
| Average earning assets | $700,482,000 | 877 |
| Average equity | $122,992,800 | 595 |
| Average total loans | $422,070,600 | 1,041 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 908 |
| Cost of funding earning assets | 0.3492% | 4,350 |
| Net interest margin | 4.5622% | 667 |
| Noninterest income to average assets | 1.3223% | 697 |
| Noninterest expense to average assets | 2.9742% | 2,888 |
| Loan and lease loss provision to assets | 0.1048% | 2,289 |
| Net operating income to assets | 1.6094% | 737 |
| Return on assets (ROA) | 1.6040% | 779 |
| Pretax return on assets | 2.3813% | 267 |
| Return on Equity (ROE) | 10.0639% | 2,187 |
| Retained earnings to average equity (ytd only) | 8.1200% | 1,303 |
| Net charge-offs to loans | 0.0244% | 4,024 |
| Credit loss provision to net charge-offs | 789.4737% | 397 |
| Earnings coverage of net charge-offs (x) | 187.8041% | 342 |
| Efficiency ratio | 54.3892% | 5,786 |
| Assets per employee ($millions) | 4.0333% | 3,805 |
| Cash dividends to net income (ytd only)* | 19.3158% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7681% | 457 |
| Loan loss allowance to noncurrent loans | 89.1512% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 4.5917% | 393 |
| Noncurrent loans to loans | 3.1049% | 837 |
| Net loans and leases to total assets | 52.4222% | 4,758 |
| Net loans and leases to deposits | 67.9416% | 4,133 |
| Net loans and leases to core deposits | 74.8459% | 3,862 |
| Total domestic deposits to total assets | 77.1578% | 5,651 |
| Equity capital to assets | 15.8760% | 584 |
| Core capital (leverage) ratio | 15.8592% | 497 |
| Tier 1 risk-based capital ratio | 23.2669% | 1,081 |
| Total risk-based capital ratio | 24.5291% | 1,063 |
| Memoranda: | ||
| Average total assets | $762,978,500 | 892 |
| Average earning assets | $693,398,000 | 891 |
| Average equity | $121,606,250 | 597 |
| Average total loans | $415,891,250 | 1,055 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 871 |
| Cost of funding earning assets | 0.3514% | 4,423 |
| Net interest margin | 4.5732% | 611 |
| Noninterest income to average assets | 1.2296% | 775 |
| Noninterest expense to average assets | 3.0710% | 2,593 |
| Loan and lease loss provision to assets | 0.0930% | 2,473 |
| Net operating income to assets | 1.5227% | 833 |
| Return on assets (ROA) | 1.5142% | 884 |
| Pretax return on assets | 2.1944% | 368 |
| Return on Equity (ROE) | 9.4876% | 2,376 |
| Retained earnings to average equity (ytd only) | 6.8680% | 1,830 |
| Net charge-offs to loans | 0.0243% | 3,710 |
| Credit loss provision to net charge-offs | 700.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 173.0400% | 365 |
| Efficiency ratio | 57.1810% | 5,641 |
| Assets per employee ($millions) | 3.9017% | 4,057 |
| Cash dividends to net income (ytd only)* | 27.6110% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7281% | 514 |
| Loan loss allowance to noncurrent loans | 83.8668% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 5.0975% | 345 |
| Noncurrent loans to loans | 3.2529% | 859 |
| Net loans and leases to total assets | 54.5203% | 4,479 |
| Net loans and leases to deposits | 70.4273% | 3,764 |
| Net loans and leases to core deposits | 78.0439% | 3,434 |
| Total domestic deposits to total assets | 77.4135% | 5,734 |
| Equity capital to assets | 16.1426% | 527 |
| Core capital (leverage) ratio | 15.7861% | 505 |
| Tier 1 risk-based capital ratio | 22.9086% | 1,123 |
| Total risk-based capital ratio | 24.1707% | 1,105 |
| Memoranda: | ||
| Average total assets | $752,452,670 | 908 |
| Average earning assets | $681,368,000 | 906 |
| Average equity | $120,093,670 | 602 |
| Average total loans | $411,727,670 | 1,057 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 1,272 |
| Cost of funding earning assets | 0.3518% | 4,520 |
| Net interest margin | 4.3393% | 926 |
| Noninterest income to average assets | 1.1729% | 812 |
| Noninterest expense to average assets | 3.1551% | 2,364 |
| Loan and lease loss provision to assets | 0.0267% | 3,478 |
| Net operating income to assets | 1.3224% | 1,156 |
| Return on assets (ROA) | 1.3054% | 1,243 |
| Pretax return on assets | 1.8897% | 665 |
| Return on Equity (ROE) | 8.2270% | 2,826 |
| Retained earnings to average equity (ytd only) | 4.1842% | 3,616 |
| Net charge-offs to loans | 0.0138% | 3,322 |
| Credit loss provision to net charge-offs | 357.1429% | 702 |
| Earnings coverage of net charge-offs (x) | 259.3571% | 183 |
| Efficiency ratio | 61.9113% | 5,131 |
| Assets per employee ($millions) | 3.7449% | 4,433 |
| Cash dividends to net income (ytd only)* | 49.1400% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7882% | 552 |
| Loan loss allowance to noncurrent loans | 119.0451% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 4.7181% | 455 |
| Noncurrent loans to loans | 2.3421% | 1,512 |
| Net loans and leases to total assets | 52.4046% | 4,629 |
| Net loans and leases to deposits | 68.3246% | 3,826 |
| Net loans and leases to core deposits | 75.3027% | 3,489 |
| Total domestic deposits to total assets | 76.6995% | 6,000 |
| Equity capital to assets | 15.7841% | 556 |
| Core capital (leverage) ratio | 15.8477% | 499 |
| Tier 1 risk-based capital ratio | 23.0259% | 1,144 |
| Total risk-based capital ratio | 24.2881% | 1,132 |
| Memoranda: | ||
| Average total assets | $748,259,000 | 911 |
| Average earning assets | $676,510,500 | 917 |
| Average equity | $118,731,000 | 609 |
| Average total loans | $404,368,500 | 1,084 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7585% | 1,416 |
| Cost of funding earning assets | 0.4020% | 4,633 |
| Net interest margin | 4.3565% | 985 |
| Noninterest income to average assets | 1.3602% | 754 |
| Noninterest expense to average assets | 3.0440% | 2,918 |
| Loan and lease loss provision to assets | 0.0414% | 4,289 |
| Net operating income to assets | 1.4499% | 914 |
| Return on assets (ROA) | 1.4140% | 1,031 |
| Pretax return on assets | 2.0966% | 389 |
| Return on Equity (ROE) | 9.0350% | 2,516 |
| Retained earnings to average equity (ytd only) | 7.9744% | 1,064 |
| Net charge-offs to loans | 0.0283% | 4,862 |
| Credit loss provision to net charge-offs | 277.7778% | 819 |
| Earnings coverage of net charge-offs (x) | 147.2037% | 313 |
| Efficiency ratio | 58.1400% | 5,721 |
| Assets per employee ($millions) | 3.7002% | 4,477 |
| Cash dividends to net income (ytd only)* | 11.7383% | 3,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8268% | 575 |
| Loan loss allowance to noncurrent loans | 108.3453% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 5.0193% | 467 |
| Noncurrent loans to loans | 2.6091% | 1,431 |
| Net loans and leases to total assets | 52.6463% | 4,768 |
| Net loans and leases to deposits | 68.3130% | 4,003 |
| Net loans and leases to core deposits | 75.4644% | 3,669 |
| Total domestic deposits to total assets | 77.0663% | 5,959 |
| Equity capital to assets | 15.9531% | 530 |
| Core capital (leverage) ratio | 15.6604% | 516 |
| Tier 1 risk-based capital ratio | 23.3251% | 1,049 |
| Total risk-based capital ratio | 24.5878% | 1,024 |
| Memoranda: | ||
| Average total assets | $725,399,800 | 917 |
| Average earning assets | $645,288,600 | 939 |
| Average equity | $113,525,200 | 623 |
| Average total loans | $381,918,800 | 1,118 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 1,571 |
| Cost of funding earning assets | 0.4107% | 4,718 |
| Net interest margin | 4.2986% | 1,099 |
| Noninterest income to average assets | 1.3345% | 827 |
| Noninterest expense to average assets | 3.0278% | 2,893 |
| Loan and lease loss provision to assets | 0.0185% | 4,647 |
| Net operating income to assets | 1.4579% | 967 |
| Return on assets (ROA) | 1.4468% | 1,047 |
| Pretax return on assets | 2.0851% | 488 |
| Return on Equity (ROE) | 9.2911% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.2792% | 1,305 |
| Net charge-offs to loans | 0.0612% | 4,029 |
| Credit loss provision to net charge-offs | 57.8035% | 3,342 |
| Earnings coverage of net charge-offs (x) | 66.3239% | 694 |
| Efficiency ratio | 58.8214% | 5,582 |
| Assets per employee ($millions) | 3.6511% | 4,555 |
| Cash dividends to net income (ytd only)* | 10.8912% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8594% | 638 |
| Loan loss allowance to noncurrent loans | 108.9254% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 4.8494% | 590 |
| Noncurrent loans to loans | 2.6251% | 1,615 |
| Net loans and leases to total assets | 51.4969% | 4,940 |
| Net loans and leases to deposits | 66.9945% | 4,181 |
| Net loans and leases to core deposits | 74.3605% | 3,797 |
| Total domestic deposits to total assets | 76.8674% | 6,066 |
| Equity capital to assets | 15.7563% | 587 |
| Core capital (leverage) ratio | 15.8221% | 517 |
| Tier 1 risk-based capital ratio | 23.1966% | 1,112 |
| Total risk-based capital ratio | 24.4589% | 1,090 |
| Memoranda: | ||
| Average total assets | $721,738,250 | 926 |
| Average earning assets | $640,195,000 | 954 |
| Average equity | $112,391,500 | 633 |
| Average total loans | $377,163,250 | 1,133 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7229% | 1,509 |
| Cost of funding earning assets | 0.4206% | 4,749 |
| Net interest margin | 4.3023% | 1,028 |
| Noninterest income to average assets | 1.3810% | 821 |
| Noninterest expense to average assets | 3.0869% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4205% | 1,035 |
| Return on assets (ROA) | 1.4205% | 1,122 |
| Pretax return on assets | 2.0962% | 497 |
| Return on Equity (ROE) | 9.1585% | 2,554 |
| Retained earnings to average equity (ytd only) | 7.6285% | 1,619 |
| Net charge-offs to loans | 0.0728% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 55.4044% | 745 |
| Efficiency ratio | 59.5567% | 5,535 |
| Assets per employee ($millions) | 3.5972% | 4,631 |
| Cash dividends to net income (ytd only)* | 16.7058% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9411% | 621 |
| Loan loss allowance to noncurrent loans | 115.0172% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 5.4480% | 542 |
| Noncurrent loans to loans | 2.5571% | 1,802 |
| Net loans and leases to total assets | 50.9959% | 4,999 |
| Net loans and leases to deposits | 66.5892% | 4,198 |
| Net loans and leases to core deposits | 73.9985% | 3,811 |
| Total domestic deposits to total assets | 76.5829% | 6,185 |
| Equity capital to assets | 15.8056% | 556 |
| Core capital (leverage) ratio | 15.4156% | 540 |
| Tier 1 risk-based capital ratio | 23.4703% | 1,067 |
| Total risk-based capital ratio | 24.7337% | 1,046 |
| Memoranda: | ||
| Average total assets | $718,908,330 | 928 |
| Average earning assets | $635,332,000 | 965 |
| Average equity | $111,503,000 | 640 |
| Average total loans | $373,846,330 | 1,138 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 1,623 |
| Cost of funding earning assets | 0.4430% | 4,672 |
| Net interest margin | 4.2262% | 1,126 |
| Noninterest income to average assets | 1.3691% | 821 |
| Noninterest expense to average assets | 3.3036% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3813% | 1,067 |
| Return on assets (ROA) | 1.3813% | 1,155 |
| Pretax return on assets | 1.7800% | 920 |
| Return on Equity (ROE) | 8.9900% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.9900% | 1,386 |
| Net charge-offs to loans | 0.0760% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 45.2676% | 722 |
| Efficiency ratio | 64.9853% | 4,825 |
| Assets per employee ($millions) | 3.7288% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0076% | 654 |
| Loan loss allowance to noncurrent loans | 103.7971% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 5.7766% | 575 |
| Noncurrent loans to loans | 2.8976% | 1,739 |
| Net loans and leases to total assets | 48.6032% | 5,166 |
| Net loans and leases to deposits | 63.0140% | 4,421 |
| Net loans and leases to core deposits | 70.1353% | 4,064 |
| Total domestic deposits to total assets | 77.1308% | 6,241 |
| Equity capital to assets | 15.2730% | 693 |
| Core capital (leverage) ratio | 15.1402% | 572 |
| Tier 1 risk-based capital ratio | 23.0947% | 1,145 |
| Total risk-based capital ratio | 24.3580% | 1,120 |
| Memoranda: | ||
| Average total assets | $722,243,000 | 934 |
| Average earning assets | $634,804,000 | 973 |
| Average equity | $110,967,500 | 660 |
| Average total loans | $373,660,000 | 1,141 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1543% | 1,198 |
| Cost of funding earning assets | 0.5192% | 5,076 |
| Net interest margin | 4.6351% | 733 |
| Noninterest income to average assets | 0.4324% | 4,368 |
| Noninterest expense to average assets | 3.2245% | 2,534 |
| Loan and lease loss provision to assets | 0.0727% | 4,823 |
| Net operating income to assets | 0.8119% | 3,237 |
| Return on assets (ROA) | 0.9346% | 2,869 |
| Pretax return on assets | 1.3226% | 2,311 |
| Return on Equity (ROE) | 5.9634% | 4,189 |
| Retained earnings to average equity (ytd only) | 4.5166% | 3,048 |
| Net charge-offs to loans | 0.4657% | 2,372 |
| Credit loss provision to net charge-offs | 28.7191% | 5,137 |
| Earnings coverage of net charge-offs (x) | 4.8311% | 3,238 |
| Efficiency ratio | 72.5095% | 3,321 |
| Assets per employee ($millions) | 3.5854% | 4,817 |
| Cash dividends to net income (ytd only)* | 24.2613% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9381% | 703 |
| Loan loss allowance to noncurrent loans | 151.7363% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 6.0878% | 561 |
| Noncurrent loans to loans | 1.9363% | 2,762 |
| Net loans and leases to total assets | 51.8487% | 4,950 |
| Net loans and leases to deposits | 67.8965% | 4,001 |
| Net loans and leases to core deposits | 75.8336% | 3,553 |
| Total domestic deposits to total assets | 76.3644% | 6,308 |
| Equity capital to assets | 15.4588% | 644 |
| Core capital (leverage) ratio | 15.1300% | 550 |
| Tier 1 risk-based capital ratio | 22.2684% | 1,221 |
| Total risk-based capital ratio | 23.5317% | 1,192 |
| Memoranda: | ||
| Average total assets | $688,017,600 | 955 |
| Average earning assets | $595,910,800 | 1,010 |
| Average equity | $107,824,600 | 659 |
| Average total loans | $373,816,600 | 1,121 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3882% | 856 |
| Cost of funding earning assets | 0.5328% | 5,224 |
| Net interest margin | 4.8555% | 518 |
| Noninterest income to average assets | 0.3266% | 5,178 |
| Noninterest expense to average assets | 3.2476% | 2,430 |
| Loan and lease loss provision to assets | 0.1953% | 3,134 |
| Net operating income to assets | 0.7197% | 3,831 |
| Return on assets (ROA) | 0.8527% | 3,455 |
| Pretax return on assets | 1.2748% | 2,692 |
| Return on Equity (ROE) | 5.4216% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.7634% | 3,550 |
| Net charge-offs to loans | 0.5337% | 2,007 |
| Credit loss provision to net charge-offs | 67.0691% | 3,979 |
| Earnings coverage of net charge-offs (x) | 4.3662% | 3,322 |
| Efficiency ratio | 71.8608% | 3,352 |
| Assets per employee ($millions) | 3.5607% | 4,825 |
| Cash dividends to net income (ytd only)* | 12.1421% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0797% | 666 |
| Loan loss allowance to noncurrent loans | 105.0530% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 7.3069% | 473 |
| Noncurrent loans to loans | 2.9316% | 1,904 |
| Net loans and leases to total assets | 53.3530% | 4,846 |
| Net loans and leases to deposits | 70.2841% | 3,858 |
| Net loans and leases to core deposits | 78.6678% | 3,365 |
| Total domestic deposits to total assets | 75.9105% | 6,392 |
| Equity capital to assets | 15.5693% | 694 |
| Core capital (leverage) ratio | 15.4166% | 549 |
| Tier 1 risk-based capital ratio | 21.8105% | 1,364 |
| Total risk-based capital ratio | 23.0754% | 1,334 |
| Memoranda: | ||
| Average total assets | $682,543,750 | 968 |
| Average earning assets | $589,369,500 | 1,027 |
| Average equity | $107,344,750 | 662 |
| Average total loans | $372,465,000 | 1,135 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 831 |
| Cost of funding earning assets | 0.5440% | 5,340 |
| Net interest margin | 4.8807% | 489 |
| Noninterest income to average assets | 0.4206% | 4,497 |
| Noninterest expense to average assets | 3.3521% | 2,148 |
| Loan and lease loss provision to assets | 0.2958% | 2,214 |
| Net operating income to assets | 0.6378% | 4,185 |
| Return on assets (ROA) | 0.8225% | 3,546 |
| Pretax return on assets | 1.2357% | 2,782 |
| Return on Equity (ROE) | 5.2117% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.2184% | 3,804 |
| Net charge-offs to loans | 0.7034% | 1,575 |
| Credit loss provision to net charge-offs | 77.2798% | 3,391 |
| Earnings coverage of net charge-offs (x) | 3.2813% | 3,430 |
| Efficiency ratio | 72.7471% | 3,289 |
| Assets per employee ($millions) | 3.4961% | 4,997 |
| Cash dividends to net income (ytd only)* | 19.0579% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2176% | 631 |
| Loan loss allowance to noncurrent loans | 159.1077% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 7.7580% | 457 |
| Noncurrent loans to loans | 2.0223% | 2,923 |
| Net loans and leases to total assets | 52.7967% | 4,990 |
| Net loans and leases to deposits | 69.6091% | 3,952 |
| Net loans and leases to core deposits | 77.8528% | 3,538 |
| Total domestic deposits to total assets | 75.8474% | 6,483 |
| Equity capital to assets | 15.6271% | 657 |
| Core capital (leverage) ratio | 15.4186% | 533 |
| Tier 1 risk-based capital ratio | 21.4643% | 1,396 |
| Total risk-based capital ratio | 22.7297% | 1,364 |
| Memoranda: | ||
| Average total assets | $676,239,670 | 974 |
| Average earning assets | $580,166,670 | 1,042 |
| Average equity | $106,722,330 | 664 |
| Average total loans | $367,906,670 | 1,146 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4346% | 864 |
| Cost of funding earning assets | 0.5615% | 5,419 |
| Net interest margin | 4.8730% | 488 |
| Noninterest income to average assets | 0.8370% | 2,005 |
| Noninterest expense to average assets | 3.5129% | 1,737 |
| Loan and lease loss provision to assets | 0.4776% | 1,280 |
| Net operating income to assets | 0.7106% | 3,835 |
| Return on assets (ROA) | 0.7737% | 3,745 |
| Pretax return on assets | 1.1075% | 3,294 |
| Return on Equity (ROE) | 4.8782% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.1254% | 4,117 |
| Net charge-offs to loans | 0.6494% | 1,505 |
| Credit loss provision to net charge-offs | 135.3638% | 1,817 |
| Earnings coverage of net charge-offs (x) | 4.2369% | 2,624 |
| Efficiency ratio | 70.1478% | 3,778 |
| Assets per employee ($millions) | 3.4729% | 5,179 |
| Cash dividends to net income (ytd only)* | 15.4321% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4295% | 563 |
| Loan loss allowance to noncurrent loans | 146.7086% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 8.9446% | 392 |
| Noncurrent loans to loans | 2.3376% | 2,766 |
| Net loans and leases to total assets | 52.3584% | 4,969 |
| Net loans and leases to deposits | 68.2141% | 4,023 |
| Net loans and leases to core deposits | 76.4278% | 3,567 |
| Total domestic deposits to total assets | 76.7560% | 6,437 |
| Equity capital to assets | 15.7300% | 615 |
| Core capital (leverage) ratio | 15.5470% | 527 |
| Tier 1 risk-based capital ratio | 21.2422% | 1,438 |
| Total risk-based capital ratio | 22.5088% | 1,409 |
| Memoranda: | ||
| Average total assets | $669,997,000 | 984 |
| Average earning assets | $573,440,500 | 1,056 |
| Average equity | $106,269,500 | 663 |
| Average total loans | $364,003,500 | 1,154 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6748% | 822 |
| Cost of funding earning assets | 0.7765% | 5,031 |
| Net interest margin | 4.8983% | 512 |
| Noninterest income to average assets | 0.7750% | 2,199 |
| Noninterest expense to average assets | 3.3163% | 2,475 |
| Loan and lease loss provision to assets | 0.7563% | 1,328 |
| Net operating income to assets | 0.6462% | 3,753 |
| Return on assets (ROA) | 0.7861% | 3,265 |
| Pretax return on assets | 1.0346% | 3,105 |
| Return on Equity (ROE) | 4.9162% | 4,432 |
| Retained earnings to average equity (ytd only) | 3.4538% | 3,764 |
| Net charge-offs to loans | 0.8064% | 2,142 |
| Credit loss provision to net charge-offs | 168.0961% | 1,605 |
| Earnings coverage of net charge-offs (x) | 3.5712% | 3,467 |
| Efficiency ratio | 67.3617% | 4,501 |
| Assets per employee ($millions) | 3.3644% | 5,334 |
| Cash dividends to net income (ytd only)* | 29.7467% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4318% | 557 |
| Loan loss allowance to noncurrent loans | 140.2219% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 9.4371% | 364 |
| Noncurrent loans to loans | 2.4474% | 2,686 |
| Net loans and leases to total assets | 52.5745% | 5,222 |
| Net loans and leases to deposits | 68.5381% | 4,359 |
| Net loans and leases to core deposits | 76.8054% | 3,856 |
| Total domestic deposits to total assets | 76.7085% | 6,378 |
| Equity capital to assets | 15.9952% | 576 |
| Core capital (leverage) ratio | 15.5466% | 514 |
| Tier 1 risk-based capital ratio | 21.2849% | 1,363 |
| Total risk-based capital ratio | 22.5513% | 1,334 |
| Memoranda: | ||
| Average total assets | $647,852,800 | 1,001 |
| Average earning assets | $548,638,400 | 1,085 |
| Average equity | $103,597,000 | 662 |
| Average total loans | $361,476,600 | 1,167 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 940 |
| Cost of funding earning assets | 0.8203% | 5,007 |
| Net interest margin | 4.8270% | 591 |
| Noninterest income to average assets | 0.8416% | 1,869 |
| Noninterest expense to average assets | 3.3821% | 2,243 |
| Loan and lease loss provision to assets | 0.6624% | 1,462 |
| Net operating income to assets | 0.6294% | 3,969 |
| Return on assets (ROA) | 0.7299% | 3,645 |
| Pretax return on assets | 1.0174% | 3,344 |
| Return on Equity (ROE) | 4.5646% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.1659% | 3,764 |
| Net charge-offs to loans | 0.7101% | 2,139 |
| Credit loss provision to net charge-offs | 166.1475% | 1,832 |
| Earnings coverage of net charge-offs (x) | 3.8634% | 3,267 |
| Efficiency ratio | 68.7090% | 4,172 |
| Assets per employee ($millions) | 3.4195% | 5,202 |
| Cash dividends to net income (ytd only)* | 8.7352% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2194% | 707 |
| Loan loss allowance to noncurrent loans | 79.2020% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 10.5172% | 329 |
| Noncurrent loans to loans | 4.0648% | 1,632 |
| Net loans and leases to total assets | 52.8912% | 5,338 |
| Net loans and leases to deposits | 70.3868% | 4,239 |
| Net loans and leases to core deposits | 77.8429% | 3,931 |
| Total domestic deposits to total assets | 75.1437% | 6,623 |
| Equity capital to assets | 15.9408% | 636 |
| Core capital (leverage) ratio | 15.5109% | 572 |
| Tier 1 risk-based capital ratio | 21.2042% | 1,421 |
| Total risk-based capital ratio | 22.4688% | 1,395 |
| Memoranda: | ||
| Average total assets | $644,121,250 | 1,008 |
| Average earning assets | $544,535,000 | 1,101 |
| Average equity | $102,993,000 | 671 |
| Average total loans | $361,636,750 | 1,185 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6918% | 888 |
| Cost of funding earning assets | 0.8633% | 4,961 |
| Net interest margin | 4.8285% | 580 |
| Noninterest income to average assets | 1.0020% | 1,307 |
| Noninterest expense to average assets | 3.4443% | 2,138 |
| Loan and lease loss provision to assets | 0.7213% | 1,301 |
| Net operating income to assets | 0.6589% | 3,750 |
| Return on assets (ROA) | 0.7637% | 3,359 |
| Pretax return on assets | 1.0550% | 3,024 |
| Return on Equity (ROE) | 4.7710% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.1676% | 3,541 |
| Net charge-offs to loans | 0.9847% | 1,596 |
| Credit loss provision to net charge-offs | 129.2861% | 2,360 |
| Earnings coverage of net charge-offs (x) | 2.9230% | 3,389 |
| Efficiency ratio | 67.8655% | 4,538 |
| Assets per employee ($millions) | 3.2953% | 5,435 |
| Cash dividends to net income (ytd only)* | 12.6489% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0340% | 865 |
| Loan loss allowance to noncurrent loans | 81.5886% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 11.8849% | 267 |
| Noncurrent loans to loans | 3.7186% | 1,888 |
| Net loans and leases to total assets | 54.3074% | 5,248 |
| Net loans and leases to deposits | 71.6693% | 4,169 |
| Net loans and leases to core deposits | 79.3529% | 3,880 |
| Total domestic deposits to total assets | 75.7751% | 6,633 |
| Equity capital to assets | 16.1460% | 596 |
| Core capital (leverage) ratio | 15.4399% | 595 |
| Tier 1 risk-based capital ratio | 20.8834% | 1,447 |
| Total risk-based capital ratio | 22.1459% | 1,422 |
| Memoranda: | ||
| Average total assets | $637,697,670 | 1,034 |
| Average earning assets | $537,932,000 | 1,130 |
| Average equity | $102,074,000 | 677 |
| Average total loans | $361,333,000 | 1,199 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5012% | 1,294 |
| Cost of funding earning assets | 0.8755% | 5,091 |
| Net interest margin | 4.6257% | 825 |
| Noninterest income to average assets | 1.0786% | 1,132 |
| Noninterest expense to average assets | 3.4588% | 2,120 |
| Loan and lease loss provision to assets | 0.4723% | 1,858 |
| Net operating income to assets | 0.7540% | 3,255 |
| Return on assets (ROA) | 0.7562% | 3,303 |
| Pretax return on assets | 1.0799% | 2,832 |
| Return on Equity (ROE) | 4.7454% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.7454% | 3,347 |
| Net charge-offs to loans | 1.5136% | 898 |
| Credit loss provision to net charge-offs | 54.7445% | 3,654 |
| Earnings coverage of net charge-offs (x) | 1.7956% | 3,404 |
| Efficiency ratio | 69.0683% | 4,461 |
| Assets per employee ($millions) | 3.2058% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7140% | 1,194 |
| Loan loss allowance to noncurrent loans | 41.3866% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 12.4525% | 241 |
| Noncurrent loans to loans | 6.5577% | 900 |
| Net loans and leases to total assets | 54.9413% | 5,166 |
| Net loans and leases to deposits | 71.7662% | 4,102 |
| Net loans and leases to core deposits | 80.6217% | 3,654 |
| Total domestic deposits to total assets | 76.5559% | 6,598 |
| Equity capital to assets | 16.0194% | 571 |
| Core capital (leverage) ratio | 15.4413% | 585 |
| Tier 1 risk-based capital ratio | 20.9434% | 1,408 |
| Total risk-based capital ratio | 22.2035% | 1,383 |
| Memoranda: | ||
| Average total assets | $635,253,500 | 1,050 |
| Average earning assets | $539,596,000 | 1,132 |
| Average equity | $101,235,000 | 674 |
| Average total loans | $362,054,000 | 1,211 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5700% | 2,008 |
| Cost of funding earning assets | 1.0296% | 5,533 |
| Net interest margin | 4.5404% | 1,150 |
| Noninterest income to average assets | 0.9595% | 1,640 |
| Noninterest expense to average assets | 3.4483% | 2,311 |
| Loan and lease loss provision to assets | 0.9651% | 1,679 |
| Net operating income to assets | 0.3922% | 4,575 |
| Return on assets (ROA) | 0.4697% | 4,397 |
| Pretax return on assets | 0.5501% | 4,476 |
| Return on Equity (ROE) | 2.9791% | 4,968 |
| Retained earnings to average equity (ytd only) | 2.3625% | 4,230 |
| Net charge-offs to loans | 1.7465% | 1,226 |
| Credit loss provision to net charge-offs | 94.2018% | 4,933 |
| Earnings coverage of net charge-offs (x) | 1.3899% | 4,722 |
| Efficiency ratio | 70.7739% | 4,025 |
| Assets per employee ($millions) | 3.1315% | 5,817 |
| Cash dividends to net income (ytd only)* | 20.6978% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8579% | 995 |
| Loan loss allowance to noncurrent loans | 47.3929% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 12.3771% | 259 |
| Noncurrent loans to loans | 6.0303% | 1,036 |
| Net loans and leases to total assets | 55.8739% | 5,364 |
| Net loans and leases to deposits | 72.6071% | 4,413 |
| Net loans and leases to core deposits | 81.6642% | 3,955 |
| Total domestic deposits to total assets | 76.9538% | 6,484 |
| Equity capital to assets | 15.8522% | 606 |
| Core capital (leverage) ratio | 14.9570% | 672 |
| Tier 1 risk-based capital ratio | 20.6420% | 1,375 |
| Total risk-based capital ratio | 21.9035% | 1,354 |
| Memoranda: | ||
| Average total assets | $634,631,200 | 1,057 |
| Average earning assets | $546,910,200 | 1,109 |
| Average equity | $100,063,600 | 673 |
| Average total loans | $372,279,000 | 1,219 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4808% | 2,518 |
| Cost of funding earning assets | 1.0570% | 5,666 |
| Net interest margin | 4.4238% | 1,449 |
| Noninterest income to average assets | 1.1189% | 1,118 |
| Noninterest expense to average assets | 3.4733% | 2,106 |
| Loan and lease loss provision to assets | 0.8397% | 1,812 |
| Net operating income to assets | 0.4919% | 4,351 |
| Return on assets (ROA) | 0.5867% | 4,098 |
| Pretax return on assets | 0.7534% | 4,071 |
| Return on Equity (ROE) | 3.7262% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.3156% | 4,117 |
| Net charge-offs to loans | 1.7949% | 1,084 |
| Credit loss provision to net charge-offs | 79.3651% | 5,157 |
| Earnings coverage of net charge-offs (x) | 1.3909% | 4,693 |
| Efficiency ratio | 70.2411% | 4,012 |
| Assets per employee ($millions) | 3.1786% | 5,727 |
| Cash dividends to net income (ytd only)* | 11.0198% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6608% | 1,127 |
| Loan loss allowance to noncurrent loans | 31.9191% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 12.4501% | 246 |
| Noncurrent loans to loans | 8.3360% | 601 |
| Net loans and leases to total assets | 55.7429% | 5,584 |
| Net loans and leases to deposits | 73.4157% | 4,610 |
| Net loans and leases to core deposits | 82.9450% | 4,095 |
| Total domestic deposits to total assets | 75.9277% | 6,672 |
| Equity capital to assets | 15.9907% | 676 |
| Core capital (leverage) ratio | 15.4448% | 641 |
| Tier 1 risk-based capital ratio | 20.7613% | 1,403 |
| Total risk-based capital ratio | 22.0211% | 1,375 |
| Memoranda: | ||
| Average total assets | $635,150,250 | 1,060 |
| Average earning assets | $549,323,500 | 1,110 |
| Average equity | $100,011,000 | 669 |
| Average total loans | $374,391,000 | 1,218 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 3,076 |
| Cost of funding earning assets | 1.0816% | 5,772 |
| Net interest margin | 4.2945% | 1,800 |
| Noninterest income to average assets | 1.0380% | 1,257 |
| Noninterest expense to average assets | 3.3743% | 2,331 |
| Loan and lease loss provision to assets | 0.9150% | 1,589 |
| Net operating income to assets | 0.3866% | 4,811 |
| Return on assets (ROA) | 0.5212% | 4,393 |
| Pretax return on assets | 0.6301% | 4,475 |
| Return on Equity (ROE) | 3.3275% | 5,089 |
| Retained earnings to average equity (ytd only) | 2.7071% | 4,412 |
| Net charge-offs to loans | 1.5227% | 1,255 |
| Credit loss provision to net charge-offs | 100.9749% | 4,037 |
| Earnings coverage of net charge-offs (x) | 1.5261% | 4,345 |
| Efficiency ratio | 70.9312% | 3,995 |
| Assets per employee ($millions) | 3.1126% | 5,892 |
| Cash dividends to net income (ytd only)* | 18.6441% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9123% | 905 |
| Loan loss allowance to noncurrent loans | 27.4042% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 12.9618% | 223 |
| Noncurrent loans to loans | 10.6273% | 395 |
| Net loans and leases to total assets | 56.9960% | 5,565 |
| Net loans and leases to deposits | 74.8006% | 4,550 |
| Net loans and leases to core deposits | 84.9891% | 3,999 |
| Total domestic deposits to total assets | 76.1973% | 6,648 |
| Equity capital to assets | 15.7896% | 710 |
| Core capital (leverage) ratio | 15.2669% | 673 |
| Tier 1 risk-based capital ratio | 20.6235% | 1,402 |
| Total risk-based capital ratio | 21.8863% | 1,370 |
| Memoranda: | ||
| Average total assets | $633,904,000 | 1,065 |
| Average earning assets | $548,985,670 | 1,107 |
| Average equity | $99,293,670 | 663 |
| Average total loans | $377,231,330 | 1,222 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3851% | 3,107 |
| Cost of funding earning assets | 1.0998% | 5,914 |
| Net interest margin | 4.2853% | 1,730 |
| Noninterest income to average assets | 0.6716% | 2,800 |
| Noninterest expense to average assets | 3.3081% | 2,509 |
| Loan and lease loss provision to assets | 0.6930% | 1,837 |
| Net operating income to assets | 0.3721% | 4,969 |
| Return on assets (ROA) | 0.5179% | 4,444 |
| Pretax return on assets | 0.5386% | 4,822 |
| Return on Equity (ROE) | 3.3193% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.3193% | 4,161 |
| Net charge-offs to loans | 0.4711% | 2,635 |
| Credit loss provision to net charge-offs | 245.5357% | 1,570 |
| Earnings coverage of net charge-offs (x) | 3.8259% | 2,770 |
| Efficiency ratio | 75.3912% | 3,332 |
| Assets per employee ($millions) | 3.1483% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0016% | 822 |
| Loan loss allowance to noncurrent loans | 26.8681% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 12.7372% | 221 |
| Noncurrent loans to loans | 11.1716% | 345 |
| Net loans and leases to total assets | 57.4964% | 5,525 |
| Net loans and leases to deposits | 75.3739% | 4,516 |
| Net loans and leases to core deposits | 84.9532% | 4,062 |
| Total domestic deposits to total assets | 76.2816% | 6,708 |
| Equity capital to assets | 15.4888% | 767 |
| Core capital (leverage) ratio | 15.2177% | 705 |
| Tier 1 risk-based capital ratio | 20.1293% | 1,499 |
| Total risk-based capital ratio | 21.3933% | 1,465 |
| Memoranda: | ||
| Average total assets | $634,923,500 | 1,088 |
| Average earning assets | $550,628,000 | 1,135 |
| Average equity | $99,056,000 | 673 |
| Average total loans | $380,376,500 | 1,247 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9958% | 1,891 |
| Cost of funding earning assets | 1.4293% | 5,810 |
| Net interest margin | 4.5665% | 1,041 |
| Noninterest income to average assets | 1.2564% | 955 |
| Noninterest expense to average assets | 3.4624% | 2,483 |
| Loan and lease loss provision to assets | 2.3053% | 884 |
| Net operating income to assets | 0.1044% | 5,203 |
| Return on assets (ROA) | 0.3491% | 4,421 |
| Pretax return on assets | -0.0946% | 5,593 |
| Return on Equity (ROE) | 2.1719% | 4,842 |
| Retained earnings to average equity (ytd only) | -2.4228% | 5,603 |
| Net charge-offs to loans | 3.7647% | 482 |
| Credit loss provision to net charge-offs | 93.3395% | 5,882 |
| Earnings coverage of net charge-offs (x) | 0.7403% | 5,359 |
| Efficiency ratio | 65.4405% | 5,500 |
| Assets per employee ($millions) | 3.0173% | 6,181 |
| Cash dividends to net income (ytd only)* | 211.5492% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8351% | 894 |
| Loan loss allowance to noncurrent loans | 24.1165% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 13.2201% | 191 |
| Noncurrent loans to loans | 11.7560% | 293 |
| Net loans and leases to total assets | 58.8403% | 5,508 |
| Net loans and leases to deposits | 76.1697% | 4,716 |
| Net loans and leases to core deposits | 95.0141% | 4,567 |
| Total domestic deposits to total assets | 77.2490% | 6,397 |
| Equity capital to assets | 15.7163% | 739 |
| Core capital (leverage) ratio | 15.3005% | 721 |
| Tier 1 risk-based capital ratio | 20.0766% | 1,449 |
| Total risk-based capital ratio | 21.3390% | 1,411 |
| Memoranda: | ||
| Average total assets | $617,613,600 | 1,121 |
| Average earning assets | $545,648,400 | 1,156 |
| Average equity | $99,266,400 | 664 |
| Average total loans | $405,181,000 | 1,187 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1182% | 1,583 |
| Cost of funding earning assets | 1.5076% | 5,785 |
| Net interest margin | 4.6106% | 976 |
| Noninterest income to average assets | 1.7460% | 480 |
| Noninterest expense to average assets | 3.6291% | 1,966 |
| Loan and lease loss provision to assets | 2.6568% | 604 |
| Net operating income to assets | 0.0763% | 5,540 |
| Return on assets (ROA) | 0.1346% | 5,432 |
| Pretax return on assets | -0.3561% | 6,149 |
| Return on Equity (ROE) | 0.8328% | 5,549 |
| Retained earnings to average equity (ytd only) | -3.9292% | 6,103 |
| Net charge-offs to loans | 4.2281% | 314 |
| Credit loss provision to net charge-offs | 93.9378% | 5,378 |
| Earnings coverage of net charge-offs (x) | 0.7813% | 5,271 |
| Efficiency ratio | 62.1561% | 6,075 |
| Assets per employee ($millions) | 3.0158% | 6,123 |
| Cash dividends to net income (ytd only)* | 571.8194% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8064% | 784 |
| Loan loss allowance to noncurrent loans | 28.0126% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 12.1136% | 220 |
| Noncurrent loans to loans | 10.0182% | 393 |
| Net loans and leases to total assets | 60.7337% | 5,464 |
| Net loans and leases to deposits | 79.2183% | 4,531 |
| Net loans and leases to core deposits | 97.6961% | 4,640 |
| Total domestic deposits to total assets | 76.6663% | 6,434 |
| Equity capital to assets | 15.8319% | 816 |
| Core capital (leverage) ratio | 15.4472% | 774 |
| Tier 1 risk-based capital ratio | 19.6845% | 1,622 |
| Total risk-based capital ratio | 20.9470% | 1,577 |
| Memoranda: | ||
| Average total assets | $615,118,250 | 1,144 |
| Average earning assets | $546,026,750 | 1,167 |
| Average equity | $99,424,250 | 668 |
| Average total loans | $411,462,750 | 1,190 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2771% | 1,267 |
| Cost of funding earning assets | 1.5669% | 5,853 |
| Net interest margin | 4.7102% | 781 |
| Noninterest income to average assets | 1.7746% | 466 |
| Noninterest expense to average assets | 3.7705% | 1,702 |
| Loan and lease loss provision to assets | 3.5535% | 399 |
| Net operating income to assets | -0.3852% | 6,433 |
| Return on assets (ROA) | -0.2972% | 6,338 |
| Pretax return on assets | -1.2107% | 6,948 |
| Return on Equity (ROE) | -1.8258% | 6,198 |
| Retained earnings to average equity (ytd only) | -8.9662% | 6,766 |
| Net charge-offs to loans | 5.0742% | 243 |
| Credit loss provision to net charge-offs | 102.3859% | 4,469 |
| Earnings coverage of net charge-offs (x) | 0.6354% | 5,065 |
| Efficiency ratio | 63.0956% | 6,073 |
| Assets per employee ($millions) | 2.8679% | 6,472 |
| Cash dividends to net income (ytd only)* | -391.0793% | 8,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9935% | 567 |
| Loan loss allowance to noncurrent loans | 29.9818% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 11.8739% | 188 |
| Noncurrent loans to loans | 9.9843% | 352 |
| Net loans and leases to total assets | 65.1160% | 4,738 |
| Net loans and leases to deposits | 84.3444% | 3,816 |
| Net loans and leases to core deposits | 106.4965% | 3,775 |
| Total domestic deposits to total assets | 77.2025% | 6,277 |
| Equity capital to assets | 16.1700% | 798 |
| Core capital (leverage) ratio | 15.5350% | 820 |
| Tier 1 risk-based capital ratio | 19.4588% | 1,686 |
| Total risk-based capital ratio | 20.7242% | 1,639 |
| Memoranda: | ||
| Average total assets | $611,065,670 | 1,170 |
| Average earning assets | $545,025,000 | 1,187 |
| Average equity | $99,462,330 | 677 |
| Average total loans | $417,961,000 | 1,196 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9314% | 2,643 |
| Cost of funding earning assets | 1.6052% | 6,016 |
| Net interest margin | 4.3261% | 1,531 |
| Noninterest income to average assets | 1.7403% | 453 |
| Noninterest expense to average assets | 3.6265% | 1,803 |
| Loan and lease loss provision to assets | 3.2232% | 337 |
| Net operating income to assets | -0.7961% | 7,122 |
| Return on assets (ROA) | -0.7152% | 7,107 |
| Pretax return on assets | -1.1003% | 7,200 |
| Return on Equity (ROE) | -4.3799% | 6,923 |
| Retained earnings to average equity (ytd only) | -10.9319% | 7,195 |
| Net charge-offs to loans | 2.9969% | 423 |
| Credit loss provision to net charge-offs | 155.8307% | 2,695 |
| Earnings coverage of net charge-offs (x) | 0.9661% | 4,291 |
| Efficiency ratio | 64.4726% | 5,597 |
| Assets per employee ($millions) | 2.9708% | 6,235 |
| Cash dividends to net income (ytd only)* | -149.5920% | 8,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2900% | 379 |
| Loan loss allowance to noncurrent loans | 36.0708% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 10.8153% | 185 |
| Noncurrent loans to loans | 9.1209% | 347 |
| Net loans and leases to total assets | 65.1899% | 4,771 |
| Net loans and leases to deposits | 85.3523% | 3,743 |
| Net loans and leases to core deposits | 107.0136% | 3,793 |
| Total domestic deposits to total assets | 76.3774% | 6,438 |
| Equity capital to assets | 16.2203% | 835 |
| Core capital (leverage) ratio | 15.3675% | 892 |
| Tier 1 risk-based capital ratio | 19.4526% | 1,728 |
| Total risk-based capital ratio | 20.7212% | 1,669 |
| Memoranda: | ||
| Average total assets | $616,904,000 | 1,155 |
| Average earning assets | $553,937,000 | 1,174 |
| Average equity | $100,733,000 | 668 |
| Average total loans | $425,770,500 | 1,192 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4738% | 432 |
| Cost of funding earning assets | 2.1691% | 5,736 |
| Net interest margin | 5.3047% | 280 |
| Noninterest income to average assets | 1.9078% | 375 |
| Noninterest expense to average assets | 3.3603% | 2,795 |
| Loan and lease loss provision to assets | 1.2782% | 1,118 |
| Net operating income to assets | 1.1726% | 1,868 |
| Return on assets (ROA) | 1.2684% | 1,521 |
| Pretax return on assets | 2.3200% | 298 |
| Return on Equity (ROE) | 7.6317% | 3,222 |
| Retained earnings to average equity (ytd only) | -7.7777% | 6,867 |
| Net charge-offs to loans | 0.6137% | 2,001 |
| Credit loss provision to net charge-offs | 293.4274% | 1,545 |
| Earnings coverage of net charge-offs (x) | 7.9165% | 2,993 |
| Efficiency ratio | 49.3514% | 7,705 |
| Assets per employee ($millions) | 3.0783% | 5,839 |
| Cash dividends to net income (ytd only)* | 201.9130% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6858% | 566 |
| Loan loss allowance to noncurrent loans | 37.4960% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 7.6913% | 309 |
| Noncurrent loans to loans | 7.1628% | 414 |
| Net loans and leases to total assets | 68.7054% | 4,319 |
| Net loans and leases to deposits | 92.2471% | 3,089 |
| Net loans and leases to core deposits | 117.4763% | 2,951 |
| Total domestic deposits to total assets | 74.4797% | 6,563 |
| Equity capital to assets | 16.4356% | 853 |
| Core capital (leverage) ratio | 15.5960% | 907 |
| Tier 1 risk-based capital ratio | 19.4322% | 1,721 |
| Total risk-based capital ratio | 20.6955% | 1,678 |
| Memoranda: | ||
| Average total assets | $618,189,200 | 1,085 |
| Average earning assets | $571,152,000 | 1,083 |
| Average equity | $102,742,800 | 653 |
| Average total loans | $438,836,800 | 1,093 |