Home > Citizens First Bank > Performance and Condition Ratios
Citizens First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 4,009 |
| Cost of funding earning assets | 1.2427% | 2,680 |
| Net interest margin | 2.7262% | 3,779 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 1.6635% | 4,179 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.2162% | 1,615 |
| Return on assets (ROA) | 1.1583% | 1,733 |
| Pretax return on assets | 1.4260% | 1,582 |
| Return on Equity (ROE) | 13.4900% | 1,604 |
| Retained earnings to average equity (ytd only) | 13.4934% | 450 |
| Net charge-offs to loans | -0.0033% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.7478% | 3,855 |
| Assets per employee ($millions) | 9.6800% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 738 |
| Loan loss allowance to noncurrent loans | 1,470.8453% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,373 |
| Noncurrent loans to loans | 0.1129% | 2,966 |
| Net loans and leases to total assets | 32.6300% | 4,241 |
| Net loans and leases to deposits | 38.7436% | 4,224 |
| Net loans and leases to core deposits | 39.8753% | 4,287 |
| Total domestic deposits to total assets | 84.2100% | 2,557 |
| Equity capital to assets | 10.1054% | 1,944 |
| Core capital (leverage) ratio | 12.1647% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3465% | 751 |
| Memoranda: | ||
| Average total assets | $3,727,808,000 | 341 |
| Average earning assets | $3,537,371,800 | 324 |
| Average equity | $320,001,800 | 376 |
| Average total loans | $1,224,020,800 | 619 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8562% | 4,057 |
| Cost of funding earning assets | 1.0688% | 2,836 |
| Net interest margin | 2.7873% | 3,743 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 1.6624% | 4,172 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2564% | 1,640 |
| Return on assets (ROA) | 1.2880% | 1,556 |
| Pretax return on assets | 1.6104% | 1,334 |
| Return on Equity (ROE) | 15.7000% | 1,305 |
| Retained earnings to average equity (ytd only) | 15.6997% | 489 |
| Net charge-offs to loans | -0.0031% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.6588% | 3,865 |
| Assets per employee ($millions) | 9.2618% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 733 |
| Loan loss allowance to noncurrent loans | 2,139.2116% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 3,549 |
| Noncurrent loans to loans | 0.0786% | 3,198 |
| Net loans and leases to total assets | 32.5400% | 4,277 |
| Net loans and leases to deposits | 37.5644% | 4,267 |
| Net loans and leases to core deposits | 38.6588% | 4,285 |
| Total domestic deposits to total assets | 86.6200% | 2,009 |
| Equity capital to assets | 7.8644% | 3,141 |
| Core capital (leverage) ratio | 12.3374% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7943% | 844 |
| Memoranda: | ||
| Average total assets | $3,728,059,250 | 345 |
| Average earning assets | $3,533,936,500 | 330 |
| Average equity | $305,850,250 | 390 |
| Average total loans | $1,220,918,000 | 619 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7501% | 4,081 |
| Cost of funding earning assets | 0.8322% | 3,123 |
| Net interest margin | 2.9179% | 3,615 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 1.6544% | 4,204 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3418% | 1,470 |
| Return on assets (ROA) | 1.3891% | 1,338 |
| Pretax return on assets | 1.7421% | 1,129 |
| Return on Equity (ROE) | 16.7000% | 1,147 |
| Retained earnings to average equity (ytd only) | 16.7033% | 410 |
| Net charge-offs to loans | -0.0030% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.5194% | 4,031 |
| Assets per employee ($millions) | 8.9567% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 737 |
| Loan loss allowance to noncurrent loans | 1,815.9471% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 3,476 |
| Noncurrent loans to loans | 0.0941% | 3,032 |
| Net loans and leases to total assets | 32.6100% | 4,267 |
| Net loans and leases to deposits | 37.3953% | 4,268 |
| Net loans and leases to core deposits | 38.1401% | 4,289 |
| Total domestic deposits to total assets | 87.2100% | 1,866 |
| Equity capital to assets | 8.8143% | 2,648 |
| Core capital (leverage) ratio | 12.1328% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5071% | 884 |
| Memoranda: | ||
| Average total assets | $3,735,838,000 | 332 |
| Average earning assets | $3,546,618,667 | 314 |
| Average equity | $310,681,667 | 372 |
| Average total loans | $1,219,207,000 | 609 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6217% | 4,135 |
| Cost of funding earning assets | 0.6663% | 3,170 |
| Net interest margin | 2.9555% | 3,687 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 1.6212% | 4,281 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.3598% | 1,513 |
| Return on assets (ROA) | 1.4613% | 1,231 |
| Pretax return on assets | 1.8354% | 1,013 |
| Return on Equity (ROE) | 18.0900% | 1,018 |
| Retained earnings to average equity (ytd only) | 18.0926% | 506 |
| Net charge-offs to loans | -0.0033% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.6683% | 4,108 |
| Assets per employee ($millions) | 9.1955% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 892 |
| Loan loss allowance to noncurrent loans | 2,031.7049% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,386 |
| Noncurrent loans to loans | 0.0816% | 3,161 |
| Net loans and leases to total assets | 32.2900% | 4,316 |
| Net loans and leases to deposits | 36.6009% | 4,308 |
| Net loans and leases to core deposits | 37.2064% | 4,338 |
| Total domestic deposits to total assets | 88.2300% | 1,844 |
| Equity capital to assets | 8.7622% | 2,688 |
| Core capital (leverage) ratio | 11.5826% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9102% | 1,003 |
| Memoranda: | ||
| Average total assets | $3,785,548,500 | 339 |
| Average earning assets | $3,596,188,500 | 317 |
| Average equity | $305,761,000 | 388 |
| Average total loans | $1,225,576,000 | 614 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6187% | 4,452 |
| Cost of funding earning assets | 0.2229% | 3,575 |
| Net interest margin | 2.3958% | 4,366 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 1.4248% | 4,492 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2530% | 1,593 |
| Return on assets (ROA) | 1.2732% | 1,476 |
| Pretax return on assets | 1.5237% | 1,385 |
| Return on Equity (ROE) | 16.2800% | 997 |
| Retained earnings to average equity (ytd only) | 16.2766% | 209 |
| Net charge-offs to loans | -0.0038% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.7245% | 4,258 |
| Assets per employee ($millions) | 9.5475% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7750% | 691 |
| Loan loss allowance to noncurrent loans | 1,428.1106% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,403 |
| Noncurrent loans to loans | 0.1243% | 2,894 |
| Net loans and leases to total assets | 31.3600% | 4,358 |
| Net loans and leases to deposits | 36.9942% | 4,322 |
| Net loans and leases to core deposits | 37.5668% | 4,339 |
| Total domestic deposits to total assets | 84.7600% | 3,047 |
| Equity capital to assets | 7.4073% | 3,431 |
| Core capital (leverage) ratio | 10.9499% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1560% | 1,102 |
| Memoranda: | ||
| Average total assets | $3,932,074,800 | 319 |
| Average earning assets | $3,763,699,800 | 305 |
| Average equity | $307,576,000 | 383 |
| Average total loans | $1,159,916,200 | 600 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3848% | 4,503 |
| Cost of funding earning assets | 0.1522% | 3,827 |
| Net interest margin | 2.2326% | 4,447 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 1.4072% | 4,504 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1695% | 1,817 |
| Return on assets (ROA) | 1.1959% | 1,683 |
| Pretax return on assets | 1.4353% | 1,616 |
| Return on Equity (ROE) | 15.1000% | 1,151 |
| Retained earnings to average equity (ytd only) | 15.0954% | 359 |
| Net charge-offs to loans | -0.0044% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.6703% | 4,234 |
| Assets per employee ($millions) | 9.4937% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8457% | 669 |
| Loan loss allowance to noncurrent loans | 1,379.5802% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,494 |
| Noncurrent loans to loans | 0.1338% | 2,966 |
| Net loans and leases to total assets | 30.1400% | 4,424 |
| Net loans and leases to deposits | 34.5458% | 4,406 |
| Net loans and leases to core deposits | 34.9983% | 4,422 |
| Total domestic deposits to total assets | 87.2600% | 2,677 |
| Equity capital to assets | 6.0808% | 3,933 |
| Core capital (leverage) ratio | 10.4991% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3203% | 1,334 |
| Memoranda: | ||
| Average total assets | $3,957,956,750 | 316 |
| Average earning assets | $3,797,694,750 | 302 |
| Average equity | $313,571,750 | 380 |
| Average total loans | $1,144,358,250 | 598 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1614% | 4,581 |
| Cost of funding earning assets | 0.1134% | 4,037 |
| Net interest margin | 2.0480% | 4,534 |
| Noninterest income to average assets | 0.8335% | 978 |
| Noninterest expense to average assets | 1.4013% | 4,529 |
| Loan and lease loss provision to assets | 0.0812% | 1,212 |
| Net operating income to assets | 1.1083% | 1,742 |
| Return on assets (ROA) | 1.1661% | 1,525 |
| Pretax return on assets | 1.3931% | 1,460 |
| Return on Equity (ROE) | 13.7039% | 1,188 |
| Retained earnings to average equity (ytd only) | 13.7039% | 394 |
| Net charge-offs to loans | -0.0049% | 3,337 |
| Credit loss provision to net charge-offs | -5,803.5714% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8442% | 4,255 |
| Assets per employee ($millions) | 9.9110% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 870 |
| Loan loss allowance to noncurrent loans | 2,734.6354% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 3,817 |
| Noncurrent loans to loans | 0.0641% | 3,477 |
| Net loans and leases to total assets | 29.3123% | 4,483 |
| Net loans and leases to deposits | 34.8267% | 4,428 |
| Net loans and leases to core deposits | 35.1996% | 4,458 |
| Total domestic deposits to total assets | 84.1663% | 3,658 |
| Equity capital to assets | 6.9194% | 3,809 |
| Core capital (leverage) ratio | 10.0565% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4557% | 1,586 |
| Memoranda: | ||
| Average total assets | $4,001,957,667 | 313 |
| Average earning assets | $3,855,800,000 | 302 |
| Average equity | $340,546,000 | 358 |
| Average total loans | $1,134,140,000 | 594 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0157% | 4,613 |
| Cost of funding earning assets | 0.1095% | 4,024 |
| Net interest margin | 1.9062% | 4,573 |
| Noninterest income to average assets | 0.9534% | 750 |
| Noninterest expense to average assets | 1.3957% | 4,540 |
| Loan and lease loss provision to assets | 0.0951% | 868 |
| Net operating income to assets | 1.0562% | 1,668 |
| Return on assets (ROA) | 1.1586% | 1,355 |
| Pretax return on assets | 1.4337% | 1,168 |
| Return on Equity (ROE) | 12.4469% | 1,182 |
| Retained earnings to average equity (ytd only) | 12.4469% | 538 |
| Net charge-offs to loans | -0.0033% | 3,214 |
| Credit loss provision to net charge-offs | -10,555.5556% | 3,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8480% | 4,318 |
| Assets per employee ($millions) | 10.0342% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 859 |
| Loan loss allowance to noncurrent loans | 5,802.2857% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,984 |
| Noncurrent loans to loans | 0.0313% | 3,764 |
| Net loans and leases to total assets | 27.3804% | 4,524 |
| Net loans and leases to deposits | 33.1664% | 4,459 |
| Net loans and leases to core deposits | 33.5444% | 4,491 |
| Total domestic deposits to total assets | 82.5548% | 4,011 |
| Equity capital to assets | 8.1820% | 3,419 |
| Core capital (leverage) ratio | 9.9579% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8037% | 1,562 |
| Memoranda: | ||
| Average total assets | $3,995,965,000 | 319 |
| Average earning assets | $3,867,195,000 | 303 |
| Average equity | $371,948,000 | 340 |
| Average total loans | $1,102,419,000 | 605 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2367% | 4,613 |
| Cost of funding earning assets | 0.1517% | 3,952 |
| Net interest margin | 2.0849% | 4,548 |
| Noninterest income to average assets | 1.2195% | 714 |
| Noninterest expense to average assets | 1.5193% | 4,521 |
| Loan and lease loss provision to assets | 0.1288% | 950 |
| Net operating income to assets | 1.2802% | 1,660 |
| Return on assets (ROA) | 1.5104% | 1,030 |
| Pretax return on assets | 1.8871% | 743 |
| Return on Equity (ROE) | 13.2338% | 1,387 |
| Retained earnings to average equity (ytd only) | 13.2338% | 374 |
| Net charge-offs to loans | -0.0218% | 4,014 |
| Credit loss provision to net charge-offs | -2,106.4815% | 4,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7438% | 4,468 |
| Assets per employee ($millions) | 9.8472% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 899 |
| Loan loss allowance to noncurrent loans | 2,353.8929% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,933 |
| Noncurrent loans to loans | 0.0757% | 3,552 |
| Net loans and leases to total assets | 26.8012% | 4,602 |
| Net loans and leases to deposits | 32.8598% | 4,560 |
| Net loans and leases to core deposits | 33.2397% | 4,580 |
| Total domestic deposits to total assets | 81.5623% | 4,034 |
| Equity capital to assets | 10.4442% | 2,228 |
| Core capital (leverage) ratio | 10.1081% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2448% | 1,446 |
| Memoranda: | ||
| Average total assets | $3,533,202,600 | 331 |
| Average earning assets | $3,436,516,600 | 315 |
| Average equity | $403,255,000 | 316 |
| Average total loans | $991,929,800 | 661 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2906% | 4,679 |
| Cost of funding earning assets | 0.1635% | 3,983 |
| Net interest margin | 2.1271% | 4,612 |
| Noninterest income to average assets | 1.3021% | 693 |
| Noninterest expense to average assets | 1.5555% | 4,529 |
| Loan and lease loss provision to assets | 0.1364% | 831 |
| Net operating income to assets | 1.3296% | 1,736 |
| Return on assets (ROA) | 1.6248% | 1,016 |
| Pretax return on assets | 2.0511% | 735 |
| Return on Equity (ROE) | 13.8932% | 1,424 |
| Retained earnings to average equity (ytd only) | 13.8932% | 518 |
| Net charge-offs to loans | -0.0259% | 4,075 |
| Credit loss provision to net charge-offs | -1,861.7021% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1232% | 4,495 |
| Assets per employee ($millions) | 9.2859% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 967 |
| Loan loss allowance to noncurrent loans | 2,201.3253% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,034 |
| Noncurrent loans to loans | 0.0809% | 3,683 |
| Net loans and leases to total assets | 27.7424% | 4,660 |
| Net loans and leases to deposits | 32.9275% | 4,652 |
| Net loans and leases to core deposits | 33.3477% | 4,669 |
| Total domestic deposits to total assets | 84.2528% | 3,387 |
| Equity capital to assets | 11.3095% | 1,804 |
| Core capital (leverage) ratio | 10.3717% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7063% | 1,425 |
| Memoranda: | ||
| Average total assets | $3,421,938,250 | 340 |
| Average earning assets | $3,325,752,250 | 325 |
| Average equity | $400,194,250 | 318 |
| Average total loans | $968,519,750 | 695 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2895% | 4,730 |
| Cost of funding earning assets | 0.1754% | 3,991 |
| Net interest margin | 2.1141% | 4,647 |
| Noninterest income to average assets | 1.3930% | 610 |
| Noninterest expense to average assets | 1.5975% | 4,512 |
| Loan and lease loss provision to assets | 0.1462% | 821 |
| Net operating income to assets | 1.3495% | 1,710 |
| Return on assets (ROA) | 1.6335% | 1,028 |
| Pretax return on assets | 2.0630% | 737 |
| Return on Equity (ROE) | 13.8032% | 1,478 |
| Retained earnings to average equity (ytd only) | 13.8032% | 579 |
| Net charge-offs to loans | -0.0065% | 3,516 |
| Credit loss provision to net charge-offs | -7,903.2258% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2972% | 4,498 |
| Assets per employee ($millions) | 9.5828% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,247 |
| Loan loss allowance to noncurrent loans | 2,101.4778% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,117 |
| Noncurrent loans to loans | 0.0766% | 3,803 |
| Net loans and leases to total assets | 28.8606% | 4,687 |
| Net loans and leases to deposits | 34.9718% | 4,653 |
| Net loans and leases to core deposits | 35.4718% | 4,683 |
| Total domestic deposits to total assets | 82.5255% | 3,811 |
| Equity capital to assets | 11.3110% | 1,746 |
| Core capital (leverage) ratio | 10.5637% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4601% | 1,482 |
| Memoranda: | ||
| Average total assets | $3,352,327,667 | 344 |
| Average earning assets | $3,257,378,333 | 326 |
| Average equity | $396,718,667 | 314 |
| Average total loans | $949,515,333 | 707 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4555% | 4,678 |
| Cost of funding earning assets | 0.1857% | 4,038 |
| Net interest margin | 2.2698% | 4,551 |
| Noninterest income to average assets | 1.6395% | 526 |
| Noninterest expense to average assets | 1.6054% | 4,524 |
| Loan and lease loss provision to assets | 0.1738% | 713 |
| Net operating income to assets | 1.6182% | 1,094 |
| Return on assets (ROA) | 2.0488% | 575 |
| Pretax return on assets | 2.6098% | 371 |
| Return on Equity (ROE) | 16.8942% | 864 |
| Retained earnings to average equity (ytd only) | 16.8942% | 432 |
| Net charge-offs to loans | -0.0072% | 3,529 |
| Credit loss provision to net charge-offs | -8,750.0000% | 3,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7194% | 4,680 |
| Assets per employee ($millions) | 8.9620% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 990 |
| Loan loss allowance to noncurrent loans | 1,429.7587% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,122 |
| Noncurrent loans to loans | 0.1207% | 3,709 |
| Net loans and leases to total assets | 27.3393% | 4,766 |
| Net loans and leases to deposits | 32.5814% | 4,756 |
| Net loans and leases to core deposits | 33.0506% | 4,774 |
| Total domestic deposits to total assets | 83.9106% | 3,467 |
| Equity capital to assets | 11.4224% | 1,593 |
| Core capital (leverage) ratio | 11.2307% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9587% | 1,076 |
| Memoranda: | ||
| Average total assets | $3,222,134,500 | 348 |
| Average earning assets | $3,129,306,000 | 336 |
| Average equity | $390,761,000 | 318 |
| Average total loans | $894,415,000 | 739 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7253% | 4,786 |
| Cost of funding earning assets | 0.3459% | 3,887 |
| Net interest margin | 2.3794% | 4,667 |
| Noninterest income to average assets | 1.5549% | 504 |
| Noninterest expense to average assets | 1.6808% | 4,639 |
| Loan and lease loss provision to assets | 0.1662% | 2,305 |
| Net operating income to assets | 1.6054% | 629 |
| Return on assets (ROA) | 1.9104% | 334 |
| Pretax return on assets | 2.3854% | 221 |
| Return on Equity (ROE) | 14.8741% | 657 |
| Retained earnings to average equity (ytd only) | 14.3603% | 179 |
| Net charge-offs to loans | -0.0052% | 4,142 |
| Credit loss provision to net charge-offs | -10,697.6744% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5831% | 4,799 |
| Assets per employee ($millions) | 8.4522% | 902 |
| Cash dividends to net income (ytd only)* | 3.4543% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 1,055 |
| Loan loss allowance to noncurrent loans | 1,402.2115% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 4,196 |
| Noncurrent loans to loans | 0.1207% | 3,802 |
| Net loans and leases to total assets | 27.2245% | 4,804 |
| Net loans and leases to deposits | 33.2693% | 4,800 |
| Net loans and leases to core deposits | 33.7686% | 4,807 |
| Total domestic deposits to total assets | 81.8308% | 3,699 |
| Equity capital to assets | 12.8830% | 1,140 |
| Core capital (leverage) ratio | 11.2901% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4799% | 977 |
| Memoranda: | ||
| Average total assets | $2,768,510,800 | 367 |
| Average earning assets | $2,671,602,000 | 348 |
| Average equity | $355,585,400 | 324 |
| Average total loans | $833,780,400 | 758 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8090% | 4,829 |
| Cost of funding earning assets | 0.3808% | 3,910 |
| Net interest margin | 2.4282% | 4,707 |
| Noninterest income to average assets | 1.5245% | 501 |
| Noninterest expense to average assets | 1.6369% | 4,695 |
| Loan and lease loss provision to assets | 0.1665% | 2,334 |
| Net operating income to assets | 1.6387% | 665 |
| Return on assets (ROA) | 2.0173% | 314 |
| Pretax return on assets | 2.5331% | 198 |
| Return on Equity (ROE) | 15.7199% | 582 |
| Retained earnings to average equity (ytd only) | 15.2261% | 189 |
| Net charge-offs to loans | -0.0053% | 4,062 |
| Credit loss provision to net charge-offs | -10,151.5152% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3053% | 4,848 |
| Assets per employee ($millions) | 8.2048% | 924 |
| Cash dividends to net income (ytd only)* | 3.1409% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 1,411 |
| Loan loss allowance to noncurrent loans | 1,245.1402% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 4,275 |
| Noncurrent loans to loans | 0.1198% | 3,902 |
| Net loans and leases to total assets | 29.4705% | 4,837 |
| Net loans and leases to deposits | 35.6188% | 4,829 |
| Net loans and leases to core deposits | 36.1907% | 4,841 |
| Total domestic deposits to total assets | 82.7384% | 3,209 |
| Equity capital to assets | 12.7427% | 1,310 |
| Core capital (leverage) ratio | 11.6348% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0906% | 1,042 |
| Memoranda: | ||
| Average total assets | $2,683,036,250 | 364 |
| Average earning assets | $2,584,240,500 | 351 |
| Average equity | $344,303,250 | 328 |
| Average total loans | $826,881,250 | 757 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9574% | 4,863 |
| Cost of funding earning assets | 0.4232% | 3,934 |
| Net interest margin | 2.5342% | 4,712 |
| Noninterest income to average assets | 1.2755% | 626 |
| Noninterest expense to average assets | 1.6411% | 4,747 |
| Loan and lease loss provision to assets | 0.1433% | 2,582 |
| Net operating income to assets | 1.5510% | 846 |
| Return on assets (ROA) | 1.9104% | 442 |
| Pretax return on assets | 2.3706% | 268 |
| Return on Equity (ROE) | 14.8470% | 734 |
| Retained earnings to average equity (ytd only) | 14.8470% | 228 |
| Net charge-offs to loans | -0.0062% | 4,078 |
| Credit loss provision to net charge-offs | -7,400.0000% | 4,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1464% | 4,805 |
| Assets per employee ($millions) | 7.7439% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 1,875 |
| Loan loss allowance to noncurrent loans | 1,680.6543% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 4,428 |
| Noncurrent loans to loans | 0.0791% | 4,139 |
| Net loans and leases to total assets | 31.8820% | 4,821 |
| Net loans and leases to deposits | 38.2395% | 4,829 |
| Net loans and leases to core deposits | 38.8652% | 4,842 |
| Total domestic deposits to total assets | 83.3744% | 2,968 |
| Equity capital to assets | 13.1959% | 1,080 |
| Core capital (leverage) ratio | 11.7490% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6658% | 955 |
| Memoranda: | ||
| Average total assets | $2,581,864,667 | 371 |
| Average earning assets | $2,481,626,333 | 356 |
| Average equity | $332,215,667 | 340 |
| Average total loans | $804,683,667 | 766 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1560% | 4,890 |
| Cost of funding earning assets | 0.5033% | 3,929 |
| Net interest margin | 2.6527% | 4,715 |
| Noninterest income to average assets | 0.9863% | 886 |
| Noninterest expense to average assets | 1.6448% | 4,827 |
| Loan and lease loss provision to assets | 0.0560% | 3,063 |
| Net operating income to assets | 1.4657% | 845 |
| Return on assets (ROA) | 1.8935% | 372 |
| Pretax return on assets | 2.3652% | 213 |
| Return on Equity (ROE) | 14.9252% | 557 |
| Retained earnings to average equity (ytd only) | 14.9252% | 198 |
| Net charge-offs to loans | -0.1154% | 4,847 |
| Credit loss provision to net charge-offs | -159.0909% | 3,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4974% | 4,815 |
| Assets per employee ($millions) | 7.5186% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 1,870 |
| Loan loss allowance to noncurrent loans | 1,474.0533% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 4,482 |
| Noncurrent loans to loans | 0.0921% | 4,140 |
| Net loans and leases to total assets | 30.1341% | 4,907 |
| Net loans and leases to deposits | 36.8407% | 4,897 |
| Net loans and leases to core deposits | 37.4963% | 4,907 |
| Total domestic deposits to total assets | 81.7957% | 3,470 |
| Equity capital to assets | 12.6833% | 1,632 |
| Core capital (leverage) ratio | 12.0922% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8656% | 999 |
| Memoranda: | ||
| Average total assets | $2,498,263,500 | 368 |
| Average earning assets | $2,396,817,000 | 354 |
| Average equity | $316,941,500 | 346 |
| Average total loans | $762,889,500 | 779 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 4,885 |
| Cost of funding earning assets | 0.5499% | 3,875 |
| Net interest margin | 2.9039% | 4,652 |
| Noninterest income to average assets | 1.0386% | 892 |
| Noninterest expense to average assets | 1.6237% | 4,934 |
| Loan and lease loss provision to assets | 0.0783% | 2,430 |
| Net operating income to assets | 1.7077% | 643 |
| Return on assets (ROA) | 1.9492% | 411 |
| Pretax return on assets | 2.4370% | 233 |
| Return on Equity (ROE) | 16.5240% | 474 |
| Retained earnings to average equity (ytd only) | 16.1295% | 65 |
| Net charge-offs to loans | 0.0009% | 3,698 |
| Credit loss provision to net charge-offs | 26,428.5714% | 10 |
| Earnings coverage of net charge-offs (x) | 7,473.4286% | 3 |
| Efficiency ratio | 42.2241% | 5,022 |
| Assets per employee ($millions) | 7.3296% | 921 |
| Cash dividends to net income (ytd only)* | 2.3876% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 1,826 |
| Loan loss allowance to noncurrent loans | 1,111.8568% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,464 |
| Noncurrent loans to loans | 0.1189% | 4,057 |
| Net loans and leases to total assets | 30.1207% | 4,966 |
| Net loans and leases to deposits | 37.5245% | 4,947 |
| Net loans and leases to core deposits | 38.1679% | 4,972 |
| Total domestic deposits to total assets | 80.2694% | 3,922 |
| Equity capital to assets | 12.6897% | 1,714 |
| Core capital (leverage) ratio | 12.2012% | 1,657 |
| Tier 1 risk-based capital ratio | 17.8448% | 1,800 |
| Total risk-based capital ratio | 18.4688% | 1,929 |
| Memoranda: | ||
| Average total assets | $2,363,531,000 | 364 |
| Average earning assets | $2,277,668,200 | 352 |
| Average equity | $278,812,600 | 366 |
| Average total loans | $773,009,600 | 738 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 4,936 |
| Cost of funding earning assets | 0.5700% | 3,819 |
| Net interest margin | 2.9599% | 4,681 |
| Noninterest income to average assets | 0.8612% | 1,237 |
| Noninterest expense to average assets | 1.5718% | 5,025 |
| Loan and lease loss provision to assets | 0.0713% | 2,452 |
| Net operating income to assets | 1.6332% | 857 |
| Return on assets (ROA) | 1.8592% | 578 |
| Pretax return on assets | 2.3591% | 333 |
| Return on Equity (ROE) | 16.0813% | 592 |
| Retained earnings to average equity (ytd only) | 15.5388% | 122 |
| Net charge-offs to loans | -0.0149% | 4,500 |
| Credit loss provision to net charge-offs | -1,436.7816% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1988% | 5,074 |
| Assets per employee ($millions) | 7.1935% | 956 |
| Cash dividends to net income (ytd only)* | 3.3730% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,456 |
| Loan loss allowance to noncurrent loans | 982.7083% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,511 |
| Noncurrent loans to loans | 0.1232% | 4,100 |
| Net loans and leases to total assets | 32.8382% | 5,005 |
| Net loans and leases to deposits | 40.0265% | 4,992 |
| Net loans and leases to core deposits | 40.3593% | 5,029 |
| Total domestic deposits to total assets | 82.0412% | 3,470 |
| Equity capital to assets | 12.9315% | 1,667 |
| Core capital (leverage) ratio | 11.5295% | 2,192 |
| Tier 1 risk-based capital ratio | 17.1752% | 2,030 |
| Total risk-based capital ratio | 17.7739% | 2,193 |
| Memoranda: | ||
| Average total assets | $2,338,725,500 | 369 |
| Average earning assets | $2,255,723,250 | 356 |
| Average equity | $270,386,750 | 378 |
| Average total loans | $778,327,500 | 732 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 5,003 |
| Cost of funding earning assets | 0.5690% | 3,799 |
| Net interest margin | 2.9383% | 4,770 |
| Noninterest income to average assets | 0.8130% | 1,307 |
| Noninterest expense to average assets | 1.5558% | 5,087 |
| Loan and lease loss provision to assets | 0.0813% | 2,213 |
| Net operating income to assets | 1.5883% | 934 |
| Return on assets (ROA) | 1.7597% | 676 |
| Pretax return on assets | 2.2302% | 420 |
| Return on Equity (ROE) | 15.8493% | 616 |
| Retained earnings to average equity (ytd only) | 15.0013% | 170 |
| Net charge-offs to loans | -0.0273% | 4,651 |
| Credit loss provision to net charge-offs | -896.2264% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5178% | 5,105 |
| Assets per employee ($millions) | 7.4052% | 848 |
| Cash dividends to net income (ytd only)* | 5.3505% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 2,799 |
| Loan loss allowance to noncurrent loans | 950.4673% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 4,567 |
| Noncurrent loans to loans | 0.1208% | 4,140 |
| Net loans and leases to total assets | 33.0438% | 5,049 |
| Net loans and leases to deposits | 41.9588% | 4,998 |
| Net loans and leases to core deposits | 42.3035% | 5,039 |
| Total domestic deposits to total assets | 78.7529% | 4,265 |
| Equity capital to assets | 11.9373% | 2,238 |
| Core capital (leverage) ratio | 11.0717% | 2,531 |
| Tier 1 risk-based capital ratio | 16.4704% | 2,249 |
| Total risk-based capital ratio | 17.0533% | 2,433 |
| Memoranda: | ||
| Average total assets | $2,336,609,000 | 368 |
| Average earning assets | $2,256,434,670 | 357 |
| Average equity | $259,431,000 | 387 |
| Average total loans | $777,932,000 | 735 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4586% | 5,075 |
| Cost of funding earning assets | 0.5695% | 3,736 |
| Net interest margin | 2.8892% | 4,892 |
| Noninterest income to average assets | 0.6733% | 1,709 |
| Noninterest expense to average assets | 1.5139% | 5,164 |
| Loan and lease loss provision to assets | 0.0346% | 2,935 |
| Net operating income to assets | 1.5132% | 1,079 |
| Return on assets (ROA) | 1.7168% | 731 |
| Pretax return on assets | 2.1722% | 477 |
| Return on Equity (ROE) | 16.0859% | 576 |
| Retained earnings to average equity (ytd only) | 14.3032% | 330 |
| Net charge-offs to loans | -0.0505% | 4,834 |
| Credit loss provision to net charge-offs | -206.1856% | 3,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6020% | 5,114 |
| Assets per employee ($millions) | 7.4769% | 829 |
| Cash dividends to net income (ytd only)* | 11.0820% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,244 |
| Loan loss allowance to noncurrent loans | 868.9441% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 4,633 |
| Noncurrent loans to loans | 0.1241% | 4,182 |
| Net loans and leases to total assets | 32.4759% | 5,101 |
| Net loans and leases to deposits | 41.3767% | 5,054 |
| Net loans and leases to core deposits | 41.6846% | 5,086 |
| Total domestic deposits to total assets | 78.4883% | 4,436 |
| Equity capital to assets | 10.9152% | 2,937 |
| Core capital (leverage) ratio | 10.8506% | 2,719 |
| Tier 1 risk-based capital ratio | 15.4052% | 2,699 |
| Total risk-based capital ratio | 15.9267% | 2,945 |
| Memoranda: | ||
| Average total assets | $2,312,676,500 | 375 |
| Average earning assets | $2,233,031,000 | 362 |
| Average equity | $246,825,500 | 400 |
| Average total loans | $768,361,500 | 746 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1346% | 5,179 |
| Cost of funding earning assets | 0.2418% | 4,838 |
| Net interest margin | 2.8928% | 4,930 |
| Noninterest income to average assets | 0.7831% | 1,510 |
| Noninterest expense to average assets | 1.6480% | 5,137 |
| Loan and lease loss provision to assets | 0.0646% | 2,861 |
| Net operating income to assets | 1.5354% | 1,033 |
| Return on assets (ROA) | 1.4070% | 1,394 |
| Pretax return on assets | 1.7099% | 1,145 |
| Return on Equity (ROE) | 13.6024% | 1,147 |
| Retained earnings to average equity (ytd only) | 13.4569% | 198 |
| Net charge-offs to loans | 0.0158% | 3,162 |
| Credit loss provision to net charge-offs | 1,322.1154% | 313 |
| Earnings coverage of net charge-offs (x) | 395.0481% | 257 |
| Efficiency ratio | 46.0430% | 5,119 |
| Assets per employee ($millions) | 7.2281% | 888 |
| Cash dividends to net income (ytd only)* | 1.0691% | 3,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,282 |
| Loan loss allowance to noncurrent loans | 622.3674% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,556 |
| Noncurrent loans to loans | 0.1715% | 3,979 |
| Net loans and leases to total assets | 33.2788% | 5,138 |
| Net loans and leases to deposits | 42.0520% | 5,079 |
| Net loans and leases to core deposits | 42.3478% | 5,117 |
| Total domestic deposits to total assets | 79.1374% | 4,286 |
| Equity capital to assets | 10.4179% | 3,266 |
| Core capital (leverage) ratio | 10.9714% | 2,550 |
| Tier 1 risk-based capital ratio | 16.4918% | 2,240 |
| Total risk-based capital ratio | 17.0497% | 2,416 |
| Memoranda: | ||
| Average total assets | $2,127,419,400 | 400 |
| Average earning assets | $2,056,336,200 | 378 |
| Average equity | $220,050,200 | 421 |
| Average total loans | $659,247,000 | 831 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0547% | 5,266 |
| Cost of funding earning assets | 0.1725% | 5,131 |
| Net interest margin | 2.8822% | 4,998 |
| Noninterest income to average assets | 0.8207% | 1,411 |
| Noninterest expense to average assets | 1.6413% | 5,179 |
| Loan and lease loss provision to assets | 0.0382% | 3,242 |
| Net operating income to assets | 1.5685% | 1,029 |
| Return on assets (ROA) | 1.4541% | 1,313 |
| Pretax return on assets | 1.7898% | 1,031 |
| Return on Equity (ROE) | 14.0857% | 1,096 |
| Retained earnings to average equity (ytd only) | 13.9809% | 252 |
| Net charge-offs to loans | 0.0307% | 2,483 |
| Credit loss provision to net charge-offs | 410.9589% | 809 |
| Earnings coverage of net charge-offs (x) | 211.9746% | 425 |
| Efficiency ratio | 45.4603% | 5,167 |
| Assets per employee ($millions) | 6.7846% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.7438% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 3,375 |
| Loan loss allowance to noncurrent loans | 554.0335% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 4,670 |
| Noncurrent loans to loans | 0.1925% | 4,022 |
| Net loans and leases to total assets | 32.0056% | 5,242 |
| Net loans and leases to deposits | 37.5238% | 5,250 |
| Net loans and leases to core deposits | 37.8941% | 5,270 |
| Total domestic deposits to total assets | 85.2941% | 2,489 |
| Equity capital to assets | 10.5223% | 3,122 |
| Core capital (leverage) ratio | 11.0496% | 2,533 |
| Tier 1 risk-based capital ratio | 17.7427% | 1,859 |
| Total risk-based capital ratio | 18.2984% | 2,030 |
| Memoranda: | ||
| Average total assets | $2,095,480,500 | 405 |
| Average earning assets | $2,028,227,250 | 380 |
| Average equity | $216,327,250 | 424 |
| Average total loans | $634,410,500 | 857 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9459% | 5,350 |
| Cost of funding earning assets | 0.1152% | 5,360 |
| Net interest margin | 2.8307% | 5,089 |
| Noninterest income to average assets | 0.8359% | 1,366 |
| Noninterest expense to average assets | 1.6235% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5925% | 931 |
| Return on assets (ROA) | 1.4817% | 1,196 |
| Pretax return on assets | 1.8187% | 921 |
| Return on Equity (ROE) | 14.4458% | 969 |
| Retained earnings to average equity (ytd only) | 14.2872% | 253 |
| Net charge-offs to loans | -0.0104% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3625% | 5,237 |
| Assets per employee ($millions) | 6.7930% | 1,021 |
| Cash dividends to net income (ytd only)* | 1.0976% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,313 |
| Loan loss allowance to noncurrent loans | 524.3119% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,703 |
| Noncurrent loans to loans | 0.2082% | 3,978 |
| Net loans and leases to total assets | 29.7972% | 5,330 |
| Net loans and leases to deposits | 35.5141% | 5,328 |
| Net loans and leases to core deposits | 35.7012% | 5,346 |
| Total domestic deposits to total assets | 83.9026% | 3,106 |
| Equity capital to assets | 10.4809% | 3,141 |
| Core capital (leverage) ratio | 10.7355% | 2,765 |
| Tier 1 risk-based capital ratio | 19.4473% | 1,443 |
| Total risk-based capital ratio | 20.0399% | 1,560 |
| Memoranda: | ||
| Average total assets | $2,090,637,330 | 405 |
| Average earning assets | $2,025,902,000 | 381 |
| Average equity | $214,429,000 | 426 |
| Average total loans | $618,346,670 | 869 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7914% | 5,459 |
| Cost of funding earning assets | 0.1075% | 5,444 |
| Net interest margin | 2.6839% | 5,264 |
| Noninterest income to average assets | 0.8249% | 1,378 |
| Noninterest expense to average assets | 1.5691% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5103% | 1,059 |
| Return on assets (ROA) | 1.5060% | 1,067 |
| Pretax return on assets | 1.8513% | 820 |
| Return on Equity (ROE) | 14.8449% | 827 |
| Retained earnings to average equity (ytd only) | 14.5247% | 361 |
| Net charge-offs to loans | -0.0124% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8024% | 5,285 |
| Assets per employee ($millions) | 7.0196% | 952 |
| Cash dividends to net income (ytd only)* | 2.1571% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 3,357 |
| Loan loss allowance to noncurrent loans | 428.8847% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,711 |
| Noncurrent loans to loans | 0.2573% | 3,834 |
| Net loans and leases to total assets | 29.1292% | 5,386 |
| Net loans and leases to deposits | 33.0972% | 5,406 |
| Net loans and leases to core deposits | 33.9338% | 5,414 |
| Total domestic deposits to total assets | 88.0112% | 1,613 |
| Equity capital to assets | 10.0730% | 3,533 |
| Core capital (leverage) ratio | 10.4801% | 2,967 |
| Tier 1 risk-based capital ratio | 19.3762% | 1,460 |
| Total risk-based capital ratio | 19.9862% | 1,581 |
| Memoranda: | ||
| Average total assets | $2,093,228,000 | 408 |
| Average earning assets | $2,028,371,500 | 384 |
| Average equity | $212,356,000 | 431 |
| Average total loans | $613,387,000 | 880 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6460% | 5,516 |
| Cost of funding earning assets | 0.0957% | 5,511 |
| Net interest margin | 2.5503% | 5,380 |
| Noninterest income to average assets | 0.9201% | 1,214 |
| Noninterest expense to average assets | 1.5121% | 5,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3539% | 1,111 |
| Return on assets (ROA) | 1.3518% | 1,136 |
| Pretax return on assets | 1.8793% | 630 |
| Return on Equity (ROE) | 13.8572% | 778 |
| Retained earnings to average equity (ytd only) | 13.8572% | 111 |
| Net charge-offs to loans | -0.0172% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5485% | 5,436 |
| Assets per employee ($millions) | 7.1992% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 3,220 |
| Loan loss allowance to noncurrent loans | 422.9244% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 4,728 |
| Noncurrent loans to loans | 0.2661% | 3,833 |
| Net loans and leases to total assets | 28.8226% | 5,450 |
| Net loans and leases to deposits | 34.2120% | 5,458 |
| Net loans and leases to core deposits | 35.1409% | 5,472 |
| Total domestic deposits to total assets | 84.2472% | 3,112 |
| Equity capital to assets | 10.2177% | 3,476 |
| Core capital (leverage) ratio | 10.1932% | 3,201 |
| Tier 1 risk-based capital ratio | 19.0203% | 1,502 |
| Total risk-based capital ratio | 19.6394% | 1,637 |
| Memoranda: | ||
| Average total assets | $2,028,975,200 | 405 |
| Average earning assets | $1,968,467,000 | 380 |
| Average equity | $197,926,600 | 442 |
| Average total loans | $494,170,200 | 1,039 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6343% | 5,583 |
| Cost of funding earning assets | 0.0926% | 5,581 |
| Net interest margin | 2.5417% | 5,446 |
| Noninterest income to average assets | 0.8933% | 1,293 |
| Noninterest expense to average assets | 1.4866% | 5,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3572% | 1,187 |
| Return on assets (ROA) | 1.3529% | 1,219 |
| Pretax return on assets | 1.8689% | 747 |
| Return on Equity (ROE) | 14.0405% | 822 |
| Retained earnings to average equity (ytd only) | 14.0405% | 154 |
| Net charge-offs to loans | -0.0023% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2248% | 5,475 |
| Assets per employee ($millions) | 7.3009% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,852 |
| Loan loss allowance to noncurrent loans | 470.6416% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 4,885 |
| Noncurrent loans to loans | 0.2577% | 4,038 |
| Net loans and leases to total assets | 26.8883% | 5,551 |
| Net loans and leases to deposits | 30.7073% | 5,574 |
| Net loans and leases to core deposits | 31.5268% | 5,584 |
| Total domestic deposits to total assets | 87.5630% | 1,604 |
| Equity capital to assets | 10.1235% | 3,771 |
| Core capital (leverage) ratio | 9.9135% | 3,680 |
| Tier 1 risk-based capital ratio | 18.8909% | 1,622 |
| Total risk-based capital ratio | 19.5183% | 1,748 |
| Memoranda: | ||
| Average total assets | $2,016,078,250 | 407 |
| Average earning assets | $1,957,785,250 | 382 |
| Average equity | $194,261,750 | 449 |
| Average total loans | $466,088,000 | 1,101 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6321% | 5,623 |
| Cost of funding earning assets | 0.0927% | 5,621 |
| Net interest margin | 2.5394% | 5,476 |
| Noninterest income to average assets | 0.9129% | 1,234 |
| Noninterest expense to average assets | 1.4712% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3755% | 1,117 |
| Return on assets (ROA) | 1.3646% | 1,172 |
| Pretax return on assets | 1.8919% | 671 |
| Return on Equity (ROE) | 14.4102% | 754 |
| Retained earnings to average equity (ytd only) | 14.4102% | 164 |
| Net charge-offs to loans | -0.0505% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5505% | 5,539 |
| Assets per employee ($millions) | 7.2714% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,975 |
| Loan loss allowance to noncurrent loans | 366.1678% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 4,822 |
| Noncurrent loans to loans | 0.3805% | 3,657 |
| Net loans and leases to total assets | 23.7276% | 5,651 |
| Net loans and leases to deposits | 27.2380% | 5,664 |
| Net loans and leases to core deposits | 27.9964% | 5,665 |
| Total domestic deposits to total assets | 87.1120% | 1,899 |
| Equity capital to assets | 9.7809% | 4,140 |
| Core capital (leverage) ratio | 9.6244% | 3,992 |
| Tier 1 risk-based capital ratio | 19.4708% | 1,482 |
| Total risk-based capital ratio | 20.1498% | 1,571 |
| Memoranda: | ||
| Average total assets | $2,006,688,000 | 411 |
| Average earning assets | $1,948,000,670 | 389 |
| Average equity | $190,032,330 | 455 |
| Average total loans | $435,980,000 | 1,165 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6076% | 5,683 |
| Cost of funding earning assets | 0.0927% | 5,686 |
| Net interest margin | 2.5149% | 5,538 |
| Noninterest income to average assets | 0.8385% | 1,436 |
| Noninterest expense to average assets | 1.4568% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3168% | 1,197 |
| Return on assets (ROA) | 1.3168% | 1,230 |
| Pretax return on assets | 1.8210% | 755 |
| Return on Equity (ROE) | 14.1440% | 775 |
| Retained earnings to average equity (ytd only) | 14.1440% | 285 |
| Net charge-offs to loans | -0.0500% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4458% | 5,581 |
| Assets per employee ($millions) | 7.3736% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,378 |
| Loan loss allowance to noncurrent loans | 839.5550% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 5,146 |
| Noncurrent loans to loans | 0.1908% | 4,442 |
| Net loans and leases to total assets | 20.6499% | 5,745 |
| Net loans and leases to deposits | 24.2671% | 5,745 |
| Net loans and leases to core deposits | 24.9561% | 5,744 |
| Total domestic deposits to total assets | 85.0944% | 3,046 |
| Equity capital to assets | 9.3904% | 4,398 |
| Core capital (leverage) ratio | 9.4219% | 4,211 |
| Tier 1 risk-based capital ratio | 19.9701% | 1,397 |
| Total risk-based capital ratio | 20.6866% | 1,478 |
| Memoranda: | ||
| Average total assets | $1,988,406,500 | 415 |
| Average earning assets | $1,928,641,500 | 391 |
| Average equity | $185,124,500 | 462 |
| Average total loans | $408,137,500 | 1,231 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4016% | 5,788 |
| Cost of funding earning assets | 0.0867% | 5,755 |
| Net interest margin | 2.3149% | 5,701 |
| Noninterest income to average assets | 0.4566% | 3,501 |
| Noninterest expense to average assets | 1.2300% | 5,824 |
| Loan and lease loss provision to assets | -0.0512% | 5,594 |
| Net operating income to assets | 1.1068% | 1,872 |
| Return on assets (ROA) | 1.1238% | 1,888 |
| Pretax return on assets | 1.5506% | 1,431 |
| Return on Equity (ROE) | 12.5076% | 1,112 |
| Retained earnings to average equity (ytd only) | 10.9119% | 314 |
| Net charge-offs to loans | -0.0825% | 5,528 |
| Credit loss provision to net charge-offs | 347.2222% | 882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4599% | 5,655 |
| Assets per employee ($millions) | 7.1403% | 863 |
| Cash dividends to net income (ytd only)* | 12.7580% | 3,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 1,107 |
| Loan loss allowance to noncurrent loans | 878.8787% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 5,204 |
| Noncurrent loans to loans | 0.1955% | 4,457 |
| Net loans and leases to total assets | 19.7060% | 5,805 |
| Net loans and leases to deposits | 23.3935% | 5,805 |
| Net loans and leases to core deposits | 24.0706% | 5,807 |
| Total domestic deposits to total assets | 84.2374% | 3,337 |
| Equity capital to assets | 9.2274% | 4,547 |
| Core capital (leverage) ratio | 9.0855% | 4,637 |
| Tier 1 risk-based capital ratio | 20.7635% | 1,254 |
| Total risk-based capital ratio | 21.5293% | 1,302 |
| Memoranda: | ||
| Average total assets | $1,952,848,400 | 401 |
| Average earning assets | $1,897,418,400 | 380 |
| Average equity | $175,469,400 | 470 |
| Average total loans | $348,927,400 | 1,347 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3751% | 5,862 |
| Cost of funding earning assets | 0.0821% | 5,836 |
| Net interest margin | 2.2930% | 5,779 |
| Noninterest income to average assets | 0.2829% | 4,742 |
| Noninterest expense to average assets | 1.1413% | 5,901 |
| Loan and lease loss provision to assets | -0.0683% | 5,748 |
| Net operating income to assets | 1.0390% | 2,249 |
| Return on assets (ROA) | 1.0622% | 2,261 |
| Pretax return on assets | 1.4721% | 1,800 |
| Return on Equity (ROE) | 11.9022% | 1,357 |
| Retained earnings to average equity (ytd only) | 9.7592% | 630 |
| Net charge-offs to loans | -0.0528% | 5,388 |
| Credit loss provision to net charge-offs | 746.2687% | 538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4182% | 5,693 |
| Assets per employee ($millions) | 7.3335% | 780 |
| Cash dividends to net income (ytd only)* | 18.0053% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 1,043 |
| Loan loss allowance to noncurrent loans | 825.3133% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 5,316 |
| Noncurrent loans to loans | 0.2158% | 4,494 |
| Net loans and leases to total assets | 18.2107% | 5,889 |
| Net loans and leases to deposits | 22.1667% | 5,889 |
| Net loans and leases to core deposits | 22.8113% | 5,890 |
| Total domestic deposits to total assets | 82.1534% | 3,899 |
| Equity capital to assets | 9.0560% | 5,121 |
| Core capital (leverage) ratio | 8.7440% | 5,108 |
| Tier 1 risk-based capital ratio | 20.5698% | 1,345 |
| Total risk-based capital ratio | 21.3380% | 1,392 |
| Memoranda: | ||
| Average total assets | $1,951,946,750 | 400 |
| Average earning assets | $1,898,194,000 | 381 |
| Average equity | $174,204,250 | 473 |
| Average total loans | $338,089,000 | 1,383 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3561% | 5,946 |
| Cost of funding earning assets | 0.0791% | 5,930 |
| Net interest margin | 2.2770% | 5,873 |
| Noninterest income to average assets | 0.2050% | 5,267 |
| Noninterest expense to average assets | 1.0681% | 5,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9875% | 2,439 |
| Return on assets (ROA) | 1.0232% | 2,419 |
| Pretax return on assets | 1.3985% | 2,032 |
| Return on Equity (ROE) | 11.5228% | 1,473 |
| Retained earnings to average equity (ytd only) | 9.7792% | 644 |
| Net charge-offs to loans | -0.0519% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1769% | 5,811 |
| Assets per employee ($millions) | 10.1483% | 273 |
| Cash dividends to net income (ytd only)* | 15.1316% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 583 |
| Loan loss allowance to noncurrent loans | 910.2657% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 5,407 |
| Noncurrent loans to loans | 0.2357% | 4,499 |
| Net loans and leases to total assets | 17.4586% | 5,965 |
| Net loans and leases to deposits | 21.3748% | 5,968 |
| Net loans and leases to core deposits | 21.9956% | 5,967 |
| Total domestic deposits to total assets | 81.6786% | 4,097 |
| Equity capital to assets | 8.9991% | 5,237 |
| Core capital (leverage) ratio | 8.6798% | 5,184 |
| Tier 1 risk-based capital ratio | 20.5059% | 1,344 |
| Total risk-based capital ratio | 21.4044% | 1,395 |
| Memoranda: | ||
| Average total assets | $1,937,695,330 | 404 |
| Average earning assets | $1,883,009,330 | 385 |
| Average equity | $172,059,000 | 479 |
| Average total loans | $327,507,000 | 1,423 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3235% | 6,018 |
| Cost of funding earning assets | 0.0778% | 5,994 |
| Net interest margin | 2.2457% | 5,946 |
| Noninterest income to average assets | 0.2175% | 5,182 |
| Noninterest expense to average assets | 1.0613% | 6,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9796% | 2,372 |
| Return on assets (ROA) | 0.9783% | 2,490 |
| Pretax return on assets | 1.3358% | 2,157 |
| Return on Equity (ROE) | 11.0936% | 1,571 |
| Retained earnings to average equity (ytd only) | 11.0936% | 636 |
| Net charge-offs to loans | -0.0988% | 5,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2401% | 5,867 |
| Assets per employee ($millions) | 10.5127% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3435% | 480 |
| Loan loss allowance to noncurrent loans | 293.7963% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 4,984 |
| Noncurrent loans to loans | 0.7976% | 2,841 |
| Net loans and leases to total assets | 15.8769% | 6,032 |
| Net loans and leases to deposits | 19.8981% | 6,031 |
| Net loans and leases to core deposits | 20.4775% | 6,030 |
| Total domestic deposits to total assets | 79.7911% | 4,791 |
| Equity capital to assets | 8.7084% | 5,415 |
| Core capital (leverage) ratio | 8.8357% | 5,046 |
| Tier 1 risk-based capital ratio | 20.4996% | 1,405 |
| Total risk-based capital ratio | 21.4167% | 1,443 |
| Memoranda: | ||
| Average total assets | $1,922,157,500 | 402 |
| Average earning assets | $1,867,221,000 | 388 |
| Average equity | $169,502,500 | 481 |
| Average total loans | $315,632,000 | 1,463 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3517% | 6,038 |
| Cost of funding earning assets | 0.0721% | 6,060 |
| Net interest margin | 2.2795% | 5,957 |
| Noninterest income to average assets | 0.2983% | 4,754 |
| Noninterest expense to average assets | 1.1458% | 6,098 |
| Loan and lease loss provision to assets | -0.1260% | 5,892 |
| Net operating income to assets | 1.0864% | 1,983 |
| Return on assets (ROA) | 1.0671% | 2,130 |
| Pretax return on assets | 1.4604% | 1,681 |
| Return on Equity (ROE) | 12.0507% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.0507% | 247 |
| Net charge-offs to loans | 0.0467% | 3,285 |
| Credit loss provision to net charge-offs | -1,654.4118% | 5,622 |
| Earnings coverage of net charge-offs (x) | 178.7132% | 368 |
| Efficiency ratio | 45.7114% | 5,935 |
| Assets per employee ($millions) | 10.0426% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4043% | 454 |
| Loan loss allowance to noncurrent loans | 222.6471% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 4,889 |
| Noncurrent loans to loans | 1.0799% | 2,180 |
| Net loans and leases to total assets | 16.1940% | 6,095 |
| Net loans and leases to deposits | 19.5636% | 6,098 |
| Net loans and leases to core deposits | 20.1488% | 6,093 |
| Total domestic deposits to total assets | 82.7765% | 3,918 |
| Equity capital to assets | 8.9346% | 5,186 |
| Core capital (leverage) ratio | 8.7751% | 5,138 |
| Tier 1 risk-based capital ratio | 20.5183% | 1,381 |
| Total risk-based capital ratio | 21.4529% | 1,419 |
| Memoranda: | ||
| Average total assets | $1,786,160,000 | 408 |
| Average earning assets | $1,730,259,800 | 391 |
| Average equity | $158,174,000 | 489 |
| Average total loans | $290,966,600 | 1,500 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3520% | 6,134 |
| Cost of funding earning assets | 0.0702% | 6,153 |
| Net interest margin | 2.2818% | 6,044 |
| Noninterest income to average assets | 0.3156% | 4,683 |
| Noninterest expense to average assets | 1.1402% | 6,188 |
| Loan and lease loss provision to assets | -0.1133% | 6,018 |
| Net operating income to assets | 1.0743% | 2,117 |
| Return on assets (ROA) | 1.0487% | 2,322 |
| Pretax return on assets | 1.4631% | 1,785 |
| Return on Equity (ROE) | 11.8702% | 1,408 |
| Retained earnings to average equity (ytd only) | 11.8702% | 382 |
| Net charge-offs to loans | 0.0727% | 2,523 |
| Credit loss provision to net charge-offs | -961.5385% | 5,489 |
| Earnings coverage of net charge-offs (x) | 117.6117% | 545 |
| Efficiency ratio | 45.1461% | 5,995 |
| Assets per employee ($millions) | 9.8877% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7777% | 309 |
| Loan loss allowance to noncurrent loans | 231.9161% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 4,860 |
| Noncurrent loans to loans | 1.1977% | 2,132 |
| Net loans and leases to total assets | 15.6556% | 6,189 |
| Net loans and leases to deposits | 18.6436% | 6,197 |
| Net loans and leases to core deposits | 19.2139% | 6,190 |
| Total domestic deposits to total assets | 83.9729% | 3,441 |
| Equity capital to assets | 8.9107% | 5,386 |
| Core capital (leverage) ratio | 8.7184% | 5,330 |
| Tier 1 risk-based capital ratio | 21.3375% | 1,287 |
| Total risk-based capital ratio | 22.4395% | 1,299 |
| Memoranda: | ||
| Average total assets | $1,765,717,500 | 413 |
| Average earning assets | $1,710,119,750 | 395 |
| Average equity | $155,994,250 | 496 |
| Average total loans | $286,222,000 | 1,527 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3595% | 6,208 |
| Cost of funding earning assets | 0.0670% | 6,236 |
| Net interest margin | 2.2925% | 6,100 |
| Noninterest income to average assets | 0.2320% | 5,304 |
| Noninterest expense to average assets | 1.1517% | 6,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9480% | 2,645 |
| Return on assets (ROA) | 0.9615% | 2,691 |
| Pretax return on assets | 1.3184% | 2,296 |
| Return on Equity (ROE) | 10.9163% | 1,710 |
| Retained earnings to average equity (ytd only) | 10.9163% | 515 |
| Net charge-offs to loans | 0.0381% | 2,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 209.9630% | 335 |
| Efficiency ratio | 46.9790% | 6,008 |
| Assets per employee ($millions) | 9.3505% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2508% | 206 |
| Loan loss allowance to noncurrent loans | 270.8749% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 4,800 |
| Noncurrent loans to loans | 1.2001% | 2,259 |
| Net loans and leases to total assets | 16.3043% | 6,256 |
| Net loans and leases to deposits | 19.5254% | 6,257 |
| Net loans and leases to core deposits | 20.1285% | 6,251 |
| Total domestic deposits to total assets | 83.5028% | 3,757 |
| Equity capital to assets | 8.7597% | 5,473 |
| Core capital (leverage) ratio | 8.2899% | 5,719 |
| Tier 1 risk-based capital ratio | 24.3862% | 919 |
| Total risk-based capital ratio | 25.6402% | 904 |
| Memoranda: | ||
| Average total assets | $1,744,548,330 | 420 |
| Average earning assets | $1,688,994,670 | 401 |
| Average equity | $153,660,000 | 501 |
| Average total loans | $283,443,330 | 1,541 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3880% | 6,262 |
| Cost of funding earning assets | 0.0619% | 6,323 |
| Net interest margin | 2.3261% | 6,144 |
| Noninterest income to average assets | 0.1733% | 5,674 |
| Noninterest expense to average assets | 1.1616% | 6,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9214% | 2,646 |
| Return on assets (ROA) | 0.9488% | 2,651 |
| Pretax return on assets | 1.3006% | 2,280 |
| Return on Equity (ROE) | 10.7416% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.7416% | 765 |
| Net charge-offs to loans | -0.1267% | 5,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9089% | 6,025 |
| Assets per employee ($millions) | 9.4430% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5944% | 168 |
| Loan loss allowance to noncurrent loans | 217.1772% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 4,566 |
| Noncurrent loans to loans | 1.6550% | 1,680 |
| Net loans and leases to total assets | 14.7593% | 6,329 |
| Net loans and leases to deposits | 18.0517% | 6,325 |
| Net loans and leases to core deposits | 18.1709% | 6,325 |
| Total domestic deposits to total assets | 81.7612% | 4,580 |
| Equity capital to assets | 8.5520% | 5,704 |
| Core capital (leverage) ratio | 8.6504% | 5,379 |
| Tier 1 risk-based capital ratio | 25.8607% | 802 |
| Total risk-based capital ratio | 27.1165% | 782 |
| Memoranda: | ||
| Average total assets | $1,723,854,000 | 426 |
| Average earning assets | $1,668,366,000 | 406 |
| Average equity | $152,268,500 | 505 |
| Average total loans | $274,681,000 | 1,594 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4823% | 6,329 |
| Cost of funding earning assets | 0.0907% | 6,353 |
| Net interest margin | 2.3916% | 6,234 |
| Noninterest income to average assets | 0.2349% | 5,455 |
| Noninterest expense to average assets | 1.2486% | 6,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9537% | 2,613 |
| Return on assets (ROA) | 0.9190% | 2,879 |
| Pretax return on assets | 1.2430% | 2,477 |
| Return on Equity (ROE) | 10.8021% | 1,789 |
| Retained earnings to average equity (ytd only) | 9.2840% | 648 |
| Net charge-offs to loans | 0.5259% | 776 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 14.3274% | 2,173 |
| Efficiency ratio | 49.1879% | 6,131 |
| Assets per employee ($millions) | 8.5774% | 420 |
| Cash dividends to net income (ytd only)* | 14.0542% | 4,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6005% | 171 |
| Loan loss allowance to noncurrent loans | 242.0172% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 4,393 |
| Noncurrent loans to loans | 1.4877% | 1,972 |
| Net loans and leases to total assets | 16.0777% | 6,411 |
| Net loans and leases to deposits | 18.6697% | 6,417 |
| Net loans and leases to core deposits | 18.8040% | 6,415 |
| Total domestic deposits to total assets | 86.1166% | 2,772 |
| Equity capital to assets | 8.8805% | 5,399 |
| Core capital (leverage) ratio | 8.3577% | 5,716 |
| Tier 1 risk-based capital ratio | 24.2391% | 923 |
| Total risk-based capital ratio | 25.4948% | 904 |
| Memoranda: | ||
| Average total assets | $1,625,074,000 | 434 |
| Average earning assets | $1,565,298,600 | 414 |
| Average equity | $138,259,600 | 524 |
| Average total loans | $278,182,800 | 1,527 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5242% | 6,402 |
| Cost of funding earning assets | 0.0941% | 6,430 |
| Net interest margin | 2.4301% | 6,276 |
| Noninterest income to average assets | 0.2317% | 5,545 |
| Noninterest expense to average assets | 1.2192% | 6,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8847% | 2,988 |
| Return on assets (ROA) | 0.8440% | 3,303 |
| Pretax return on assets | 1.2892% | 2,415 |
| Return on Equity (ROE) | 10.0311% | 2,209 |
| Retained earnings to average equity (ytd only) | 7.9801% | 1,372 |
| Net charge-offs to loans | 0.7344% | 464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.6836% | 2,516 |
| Efficiency ratio | 47.4226% | 6,229 |
| Assets per employee ($millions) | 8.5979% | 397 |
| Cash dividends to net income (ytd only)* | 20.4462% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5826% | 217 |
| Loan loss allowance to noncurrent loans | 188.2013% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 4,319 |
| Noncurrent loans to loans | 1.9036% | 1,681 |
| Net loans and leases to total assets | 15.9981% | 6,499 |
| Net loans and leases to deposits | 18.9160% | 6,500 |
| Net loans and leases to core deposits | 18.9987% | 6,498 |
| Total domestic deposits to total assets | 84.5742% | 3,509 |
| Equity capital to assets | 8.6196% | 5,705 |
| Core capital (leverage) ratio | 8.2676% | 5,871 |
| Tier 1 risk-based capital ratio | 24.1058% | 978 |
| Total risk-based capital ratio | 25.3618% | 961 |
| Memoranda: | ||
| Average total assets | $1,621,770,000 | 434 |
| Average earning assets | $1,561,149,250 | 411 |
| Average equity | $136,452,250 | 530 |
| Average total loans | $279,419,250 | 1,533 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5801% | 6,451 |
| Cost of funding earning assets | 0.1017% | 6,478 |
| Net interest margin | 2.4784% | 6,301 |
| Noninterest income to average assets | 0.2460% | 5,439 |
| Noninterest expense to average assets | 1.2226% | 6,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9329% | 2,634 |
| Return on assets (ROA) | 0.7811% | 3,524 |
| Pretax return on assets | 1.1770% | 2,773 |
| Return on Equity (ROE) | 9.3609% | 2,432 |
| Retained earnings to average equity (ytd only) | 6.2455% | 2,187 |
| Net charge-offs to loans | 0.6943% | 553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 11.6176% | 2,142 |
| Efficiency ratio | 46.4915% | 6,338 |
| Assets per employee ($millions) | 8.6593% | 375 |
| Cash dividends to net income (ytd only)* | 33.2805% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6893% | 215 |
| Loan loss allowance to noncurrent loans | 135.2063% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 4,087 |
| Noncurrent loans to loans | 2.7287% | 1,111 |
| Net loans and leases to total assets | 16.5536% | 6,553 |
| Net loans and leases to deposits | 19.3388% | 6,560 |
| Net loans and leases to core deposits | 19.4303% | 6,556 |
| Total domestic deposits to total assets | 85.5979% | 3,243 |
| Equity capital to assets | 8.5456% | 5,765 |
| Core capital (leverage) ratio | 7.9351% | 6,141 |
| Tier 1 risk-based capital ratio | 22.8447% | 1,135 |
| Total risk-based capital ratio | 24.1016% | 1,119 |
| Memoranda: | ||
| Average total assets | $1,614,958,670 | 438 |
| Average earning assets | $1,553,287,330 | 410 |
| Average equity | $134,752,330 | 536 |
| Average total loans | $281,731,330 | 1,514 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7195% | 6,448 |
| Cost of funding earning assets | 0.1028% | 6,556 |
| Net interest margin | 2.6168% | 6,217 |
| Noninterest income to average assets | 0.2487% | 5,374 |
| Noninterest expense to average assets | 1.2094% | 6,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0420% | 2,033 |
| Return on assets (ROA) | 0.8945% | 2,741 |
| Pretax return on assets | 1.3334% | 1,983 |
| Return on Equity (ROE) | 10.8531% | 1,735 |
| Retained earnings to average equity (ytd only) | 7.9777% | 1,603 |
| Net charge-offs to loans | -0.0241% | 5,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7714% | 6,506 |
| Assets per employee ($millions) | 8.5918% | 390 |
| Cash dividends to net income (ytd only)* | 26.4943% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0170% | 183 |
| Loan loss allowance to noncurrent loans | 157.0854% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 4,364 |
| Noncurrent loans to loans | 2.5572% | 1,350 |
| Net loans and leases to total assets | 16.4794% | 6,620 |
| Net loans and leases to deposits | 19.1904% | 6,630 |
| Net loans and leases to core deposits | 19.2860% | 6,624 |
| Total domestic deposits to total assets | 85.8731% | 3,429 |
| Equity capital to assets | 8.2803% | 5,843 |
| Core capital (leverage) ratio | 8.0144% | 6,106 |
| Tier 1 risk-based capital ratio | 21.7761% | 1,326 |
| Total risk-based capital ratio | 23.0343% | 1,301 |
| Memoranda: | ||
| Average total assets | $1,608,465,500 | 442 |
| Average earning assets | $1,545,420,000 | 414 |
| Average equity | $132,570,000 | 547 |
| Average total loans | $282,693,500 | 1,517 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9926% | 6,351 |
| Cost of funding earning assets | 0.1143% | 6,641 |
| Net interest margin | 2.8783% | 5,827 |
| Noninterest income to average assets | 0.2368% | 5,656 |
| Noninterest expense to average assets | 1.2543% | 6,698 |
| Loan and lease loss provision to assets | -0.0384% | 6,350 |
| Net operating income to assets | 1.4059% | 1,015 |
| Return on assets (ROA) | 0.9020% | 2,855 |
| Pretax return on assets | 1.1436% | 2,795 |
| Return on Equity (ROE) | 10.9322% | 1,788 |
| Retained earnings to average equity (ytd only) | 8.3356% | 944 |
| Net charge-offs to loans | 0.0487% | 4,543 |
| Credit loss provision to net charge-offs | -419.5804% | 6,115 |
| Earnings coverage of net charge-offs (x) | 190.3007% | 235 |
| Efficiency ratio | 41.8476% | 6,654 |
| Assets per employee ($millions) | 8.2942% | 419 |
| Cash dividends to net income (ytd only)* | 23.7520% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9843% | 205 |
| Loan loss allowance to noncurrent loans | 128.1874% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 3,990 |
| Noncurrent loans to loans | 3.1082% | 1,105 |
| Net loans and leases to total assets | 17.2813% | 6,701 |
| Net loans and leases to deposits | 19.8045% | 6,704 |
| Net loans and leases to core deposits | 19.9051% | 6,703 |
| Total domestic deposits to total assets | 87.2594% | 2,596 |
| Equity capital to assets | 8.2021% | 5,871 |
| Core capital (leverage) ratio | 7.9032% | 6,201 |
| Tier 1 risk-based capital ratio | 19.2459% | 1,848 |
| Total risk-based capital ratio | 20.5017% | 1,812 |
| Memoranda: | ||
| Average total assets | $1,561,296,400 | 443 |
| Average earning assets | $1,497,379,400 | 416 |
| Average equity | $128,821,200 | 551 |
| Average total loans | $293,606,800 | 1,445 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0345% | 6,392 |
| Cost of funding earning assets | 0.1163% | 6,733 |
| Net interest margin | 2.9182% | 5,769 |
| Noninterest income to average assets | 0.2241% | 5,823 |
| Noninterest expense to average assets | 1.2502% | 6,770 |
| Loan and lease loss provision to assets | 0.0342% | 4,330 |
| Net operating income to assets | 1.3272% | 1,274 |
| Return on assets (ROA) | 1.0343% | 2,323 |
| Pretax return on assets | 1.3534% | 2,106 |
| Return on Equity (ROE) | 12.5165% | 1,350 |
| Retained earnings to average equity (ytd only) | 9.2649% | 980 |
| Net charge-offs to loans | -0.0239% | 6,104 |
| Credit loss provision to net charge-offs | -754.7170% | 6,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3533% | 6,724 |
| Assets per employee ($millions) | 8.5540% | 374 |
| Cash dividends to net income (ytd only)* | 25.9787% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3936% | 178 |
| Loan loss allowance to noncurrent loans | 95.3384% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 3,649 |
| Noncurrent loans to loans | 4.6084% | 693 |
| Net loans and leases to total assets | 17.0907% | 6,781 |
| Net loans and leases to deposits | 19.8848% | 6,789 |
| Net loans and leases to core deposits | 20.0239% | 6,790 |
| Total domestic deposits to total assets | 85.9486% | 3,286 |
| Equity capital to assets | 7.9023% | 6,211 |
| Core capital (leverage) ratio | 7.7928% | 6,330 |
| Tier 1 risk-based capital ratio | 18.4656% | 2,157 |
| Total risk-based capital ratio | 19.7230% | 2,122 |
| Memoranda: | ||
| Average total assets | $1,557,647,000 | 444 |
| Average earning assets | $1,494,103,500 | 416 |
| Average equity | $128,712,250 | 556 |
| Average total loans | $296,099,500 | 1,426 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0831% | 6,362 |
| Cost of funding earning assets | 0.1182% | 6,784 |
| Net interest margin | 2.9649% | 5,661 |
| Noninterest income to average assets | 0.1948% | 6,042 |
| Noninterest expense to average assets | 1.2538% | 6,813 |
| Loan and lease loss provision to assets | 0.0517% | 3,954 |
| Net operating income to assets | 1.2573% | 1,439 |
| Return on assets (ROA) | 1.3095% | 1,386 |
| Pretax return on assets | 1.8064% | 914 |
| Return on Equity (ROE) | 15.6137% | 715 |
| Retained earnings to average equity (ytd only) | 10.7735% | 686 |
| Net charge-offs to loans | -0.0740% | 6,402 |
| Credit loss provision to net charge-offs | -360.3604% | 5,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2518% | 6,774 |
| Assets per employee ($millions) | 9.0216% | 302 |
| Cash dividends to net income (ytd only)* | 30.9994% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2230% | 216 |
| Loan loss allowance to noncurrent loans | 110.5106% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 3,954 |
| Noncurrent loans to loans | 3.8214% | 1,060 |
| Net loans and leases to total assets | 18.2426% | 6,817 |
| Net loans and leases to deposits | 20.8678% | 6,833 |
| Net loans and leases to core deposits | 21.0162% | 6,833 |
| Total domestic deposits to total assets | 87.4197% | 2,579 |
| Equity capital to assets | 7.9046% | 6,265 |
| Core capital (leverage) ratio | 7.7641% | 6,329 |
| Tier 1 risk-based capital ratio | 17.8779% | 2,364 |
| Total risk-based capital ratio | 19.1351% | 2,328 |
| Memoranda: | ||
| Average total assets | $1,546,516,330 | 446 |
| Average earning assets | $1,483,753,670 | 419 |
| Average equity | $129,707,000 | 557 |
| Average total loans | $299,994,000 | 1,408 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1622% | 6,340 |
| Cost of funding earning assets | 0.1184% | 6,866 |
| Net interest margin | 3.0438% | 5,454 |
| Noninterest income to average assets | 0.2128% | 5,960 |
| Noninterest expense to average assets | 1.2818% | 6,886 |
| Loan and lease loss provision to assets | 0.1039% | 2,946 |
| Net operating income to assets | 1.2652% | 1,362 |
| Return on assets (ROA) | 1.2361% | 1,529 |
| Pretax return on assets | 1.7061% | 1,059 |
| Return on Equity (ROE) | 14.3202% | 897 |
| Retained earnings to average equity (ytd only) | 9.7114% | 1,183 |
| Net charge-offs to loans | -0.0398% | 6,027 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9208% | 6,853 |
| Assets per employee ($millions) | 9.1098% | 305 |
| Cash dividends to net income (ytd only)* | 32.1841% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1437% | 250 |
| Loan loss allowance to noncurrent loans | 108.4797% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 3,824 |
| Noncurrent loans to loans | 3.8198% | 1,205 |
| Net loans and leases to total assets | 18.3081% | 6,885 |
| Net loans and leases to deposits | 21.5965% | 6,891 |
| Net loans and leases to core deposits | 21.7615% | 6,890 |
| Total domestic deposits to total assets | 84.7736% | 4,148 |
| Equity capital to assets | 8.4562% | 6,059 |
| Core capital (leverage) ratio | 7.8071% | 6,279 |
| Tier 1 risk-based capital ratio | 17.8296% | 2,436 |
| Total risk-based capital ratio | 19.0873% | 2,397 |
| Memoranda: | ||
| Average total assets | $1,539,402,000 | 451 |
| Average earning assets | $1,476,555,000 | 428 |
| Average equity | $132,875,000 | 554 |
| Average total loans | $301,354,000 | 1,404 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 5,708 |
| Cost of funding earning assets | 0.2192% | 6,782 |
| Net interest margin | 3.6309% | 3,962 |
| Noninterest income to average assets | 0.2335% | 5,774 |
| Noninterest expense to average assets | 1.3055% | 6,948 |
| Loan and lease loss provision to assets | 0.1775% | 3,406 |
| Net operating income to assets | 1.5188% | 882 |
| Return on assets (ROA) | 1.8646% | 507 |
| Pretax return on assets | 2.7220% | 189 |
| Return on Equity (ROE) | 22.1490% | 212 |
| Retained earnings to average equity (ytd only) | 16.3366% | 113 |
| Net charge-offs to loans | 2.6115% | 229 |
| Credit loss provision to net charge-offs | 29.9521% | 5,113 |
| Earnings coverage of net charge-offs (x) | 4.0477% | 3,497 |
| Efficiency ratio | 35.2477% | 6,995 |
| Assets per employee ($millions) | 8.3956% | 421 |
| Cash dividends to net income (ytd only)* | 26.2421% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9917% | 288 |
| Loan loss allowance to noncurrent loans | 108.8977% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 3,635 |
| Noncurrent loans to loans | 3.6656% | 1,331 |
| Net loans and leases to total assets | 19.2744% | 6,935 |
| Net loans and leases to deposits | 22.2951% | 6,949 |
| Net loans and leases to core deposits | 22.4854% | 6,955 |
| Total domestic deposits to total assets | 86.4513% | 3,125 |
| Equity capital to assets | 8.8156% | 5,731 |
| Core capital (leverage) ratio | 7.8053% | 6,337 |
| Tier 1 risk-based capital ratio | 14.8705% | 3,789 |
| Total risk-based capital ratio | 16.1242% | 3,740 |
| Memoranda: | ||
| Average total assets | $1,444,247,200 | 466 |
| Average earning assets | $1,380,302,000 | 443 |
| Average equity | $121,585,600 | 591 |
| Average total loans | $327,668,000 | 1,284 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 5,672 |
| Cost of funding earning assets | 0.2401% | 6,845 |
| Net interest margin | 3.7034% | 3,786 |
| Noninterest income to average assets | 0.2227% | 5,961 |
| Noninterest expense to average assets | 1.2696% | 7,057 |
| Loan and lease loss provision to assets | 0.4242% | 1,496 |
| Net operating income to assets | 1.4070% | 1,210 |
| Return on assets (ROA) | 1.8363% | 598 |
| Pretax return on assets | 2.7003% | 218 |
| Return on Equity (ROE) | 22.0856% | 233 |
| Retained earnings to average equity (ytd only) | 17.8017% | 126 |
| Net charge-offs to loans | 3.2243% | 156 |
| Credit loss provision to net charge-offs | 56.2802% | 4,253 |
| Earnings coverage of net charge-offs (x) | 3.3081% | 3,700 |
| Efficiency ratio | 33.7406% | 7,097 |
| Assets per employee ($millions) | 8.4911% | 399 |
| Cash dividends to net income (ytd only)* | 19.3966% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5957% | 194 |
| Loan loss allowance to noncurrent loans | 88.3467% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.5570% | 3,256 |
| Noncurrent loans to loans | 5.2019% | 851 |
| Net loans and leases to total assets | 20.3778% | 7,021 |
| Net loans and leases to deposits | 24.0638% | 7,037 |
| Net loans and leases to core deposits | 24.2771% | 7,048 |
| Total domestic deposits to total assets | 84.6826% | 3,900 |
| Equity capital to assets | 8.7921% | 6,024 |
| Core capital (leverage) ratio | 7.6724% | 6,541 |
| Tier 1 risk-based capital ratio | 17.1174% | 2,684 |
| Total risk-based capital ratio | 18.3795% | 2,628 |
| Memoranda: | ||
| Average total assets | $1,429,606,750 | 468 |
| Average earning assets | $1,366,554,000 | 441 |
| Average equity | $118,861,750 | 606 |
| Average total loans | $334,160,000 | 1,272 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 5,834 |
| Cost of funding earning assets | 0.2506% | 6,912 |
| Net interest margin | 3.6809% | 3,922 |
| Noninterest income to average assets | 0.2721% | 5,630 |
| Noninterest expense to average assets | 1.2862% | 7,110 |
| Loan and lease loss provision to assets | 0.6434% | 890 |
| Net operating income to assets | 1.2579% | 1,548 |
| Return on assets (ROA) | 1.7963% | 637 |
| Pretax return on assets | 2.6507% | 239 |
| Return on Equity (ROE) | 22.0468% | 248 |
| Retained earnings to average equity (ytd only) | 17.6190% | 157 |
| Net charge-offs to loans | 0.5271% | 2,010 |
| Credit loss provision to net charge-offs | 507.0234% | 593 |
| Earnings coverage of net charge-offs (x) | 19.7179% | 1,422 |
| Efficiency ratio | 33.9495% | 7,139 |
| Assets per employee ($millions) | 8.6257% | 367 |
| Cash dividends to net income (ytd only)* | 20.0835% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5153% | 61 |
| Loan loss allowance to noncurrent loans | 188.7883% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 3,790 |
| Noncurrent loans to loans | 3.4511% | 1,670 |
| Net loans and leases to total assets | 21.4746% | 7,064 |
| Net loans and leases to deposits | 24.8558% | 7,083 |
| Net loans and leases to core deposits | 25.0936% | 7,090 |
| Total domestic deposits to total assets | 86.3967% | 3,143 |
| Equity capital to assets | 8.2713% | 6,401 |
| Core capital (leverage) ratio | 7.3929% | 6,669 |
| Tier 1 risk-based capital ratio | 15.4198% | 3,499 |
| Total risk-based capital ratio | 16.6935% | 3,444 |
| Memoranda: | ||
| Average total assets | $1,413,655,670 | 474 |
| Average earning assets | $1,350,492,330 | 450 |
| Average equity | $115,182,330 | 614 |
| Average total loans | $340,354,330 | 1,249 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 5,895 |
| Cost of funding earning assets | 0.2574% | 6,988 |
| Net interest margin | 3.6974% | 3,845 |
| Noninterest income to average assets | 0.2759% | 5,662 |
| Noninterest expense to average assets | 1.2863% | 7,180 |
| Loan and lease loss provision to assets | 0.8688% | 521 |
| Net operating income to assets | 1.1115% | 2,027 |
| Return on assets (ROA) | 1.6459% | 894 |
| Pretax return on assets | 2.4380% | 364 |
| Return on Equity (ROE) | 20.3610% | 367 |
| Retained earnings to average equity (ytd only) | 20.3610% | 182 |
| Net charge-offs to loans | 0.2732% | 2,576 |
| Credit loss provision to net charge-offs | 1,290.2128% | 271 |
| Earnings coverage of net charge-offs (x) | 37.4340% | 789 |
| Efficiency ratio | 33.7874% | 7,205 |
| Assets per employee ($millions) | 8.8248% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1555% | 75 |
| Loan loss allowance to noncurrent loans | 135.8326% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 1.4769% | 3,652 |
| Noncurrent loans to loans | 4.5317% | 1,280 |
| Net loans and leases to total assets | 22.0814% | 7,113 |
| Net loans and leases to deposits | 25.8856% | 7,122 |
| Net loans and leases to core deposits | 26.1313% | 7,128 |
| Total domestic deposits to total assets | 85.3037% | 3,877 |
| Equity capital to assets | 7.9499% | 6,552 |
| Core capital (leverage) ratio | 7.4026% | 6,686 |
| Tier 1 risk-based capital ratio | 15.8028% | 3,279 |
| Total risk-based capital ratio | 17.0774% | 3,234 |
| Memoranda: | ||
| Average total assets | $1,395,925,000 | 479 |
| Average earning assets | $1,333,137,500 | 452 |
| Average equity | $112,843,000 | 631 |
| Average total loans | $344,091,500 | 1,223 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 6,294 |
| Cost of funding earning assets | 0.4402% | 6,766 |
| Net interest margin | 3.6517% | 4,510 |
| Noninterest income to average assets | 0.2976% | 5,399 |
| Noninterest expense to average assets | 1.4917% | 7,171 |
| Loan and lease loss provision to assets | 0.7299% | 1,391 |
| Net operating income to assets | 1.0930% | 1,862 |
| Return on assets (ROA) | 1.1635% | 1,734 |
| Pretax return on assets | 1.6554% | 1,093 |
| Return on Equity (ROE) | 15.3156% | 696 |
| Retained earnings to average equity (ytd only) | 15.3156% | 118 |
| Net charge-offs to loans | 2.8710% | 357 |
| Credit loss provision to net charge-offs | 89.3968% | 4,032 |
| Earnings coverage of net charge-offs (x) | 2.7981% | 3,819 |
| Efficiency ratio | 39.5019% | 7,221 |
| Assets per employee ($millions) | 8.1042% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1575% | 162 |
| Loan loss allowance to noncurrent loans | 114.3754% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.6664% | 3,455 |
| Noncurrent loans to loans | 4.5093% | 1,321 |
| Net loans and leases to total assets | 24.5073% | 7,149 |
| Net loans and leases to deposits | 28.4636% | 7,163 |
| Net loans and leases to core deposits | 28.8060% | 7,169 |
| Total domestic deposits to total assets | 86.1004% | 3,261 |
| Equity capital to assets | 8.2260% | 6,409 |
| Core capital (leverage) ratio | 7.2401% | 6,769 |
| Tier 1 risk-based capital ratio | 15.4148% | 3,382 |
| Total risk-based capital ratio | 16.6853% | 3,323 |
| Memoranda: | ||
| Average total assets | $1,283,287,200 | 511 |
| Average earning assets | $1,222,497,000 | 484 |
| Average equity | $97,489,000 | 705 |
| Average total loans | $364,964,200 | 1,159 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 6,336 |
| Cost of funding earning assets | 0.4742% | 6,798 |
| Net interest margin | 3.6636% | 4,509 |
| Noninterest income to average assets | 0.3016% | 5,454 |
| Noninterest expense to average assets | 1.5157% | 7,218 |
| Loan and lease loss provision to assets | 0.9859% | 877 |
| Net operating income to assets | 0.8966% | 2,751 |
| Return on assets (ROA) | 0.9899% | 2,513 |
| Pretax return on assets | 1.4240% | 1,870 |
| Return on Equity (ROE) | 13.3262% | 1,202 |
| Retained earnings to average equity (ytd only) | 13.3262% | 351 |
| Net charge-offs to loans | 3.2434% | 267 |
| Credit loss provision to net charge-offs | 104.3362% | 3,193 |
| Earnings coverage of net charge-offs (x) | 2.4092% | 3,918 |
| Efficiency ratio | 39.9672% | 7,261 |
| Assets per employee ($millions) | 7.7611% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4385% | 137 |
| Loan loss allowance to noncurrent loans | 106.7479% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.7543% | 3,466 |
| Noncurrent loans to loans | 5.0947% | 1,207 |
| Net loans and leases to total assets | 26.0533% | 7,190 |
| Net loans and leases to deposits | 29.6413% | 7,222 |
| Net loans and leases to core deposits | 30.0125% | 7,228 |
| Total domestic deposits to total assets | 87.8953% | 2,092 |
| Equity capital to assets | 8.0217% | 6,683 |
| Core capital (leverage) ratio | 7.0169% | 6,956 |
| Tier 1 risk-based capital ratio | 14.8305% | 3,764 |
| Total risk-based capital ratio | 16.1048% | 3,723 |
| Memoranda: | ||
| Average total assets | $1,265,757,000 | 525 |
| Average earning assets | $1,206,030,250 | 497 |
| Average equity | $94,028,250 | 732 |
| Average total loans | $368,775,000 | 1,159 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 6,459 |
| Cost of funding earning assets | 0.4972% | 6,849 |
| Net interest margin | 3.6186% | 4,650 |
| Noninterest income to average assets | 0.3649% | 4,956 |
| Noninterest expense to average assets | 1.5816% | 7,261 |
| Loan and lease loss provision to assets | 1.0630% | 787 |
| Net operating income to assets | 0.8211% | 2,976 |
| Return on assets (ROA) | 0.9099% | 2,701 |
| Pretax return on assets | 1.2924% | 2,160 |
| Return on Equity (ROE) | 12.5979% | 1,311 |
| Retained earnings to average equity (ytd only) | 12.5979% | 439 |
| Net charge-offs to loans | 4.1527% | 191 |
| Credit loss provision to net charge-offs | 86.2359% | 3,578 |
| Earnings coverage of net charge-offs (x) | 1.8078% | 3,961 |
| Efficiency ratio | 41.5106% | 7,311 |
| Assets per employee ($millions) | 7.6157% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9737% | 192 |
| Loan loss allowance to noncurrent loans | 140.9367% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 4,153 |
| Noncurrent loans to loans | 3.5290% | 2,006 |
| Net loans and leases to total assets | 27.1680% | 7,261 |
| Net loans and leases to deposits | 31.2033% | 7,289 |
| Net loans and leases to core deposits | 31.6296% | 7,301 |
| Total domestic deposits to total assets | 87.0678% | 2,706 |
| Equity capital to assets | 7.5864% | 6,909 |
| Core capital (leverage) ratio | 6.6528% | 7,088 |
| Tier 1 risk-based capital ratio | 13.7090% | 4,379 |
| Total risk-based capital ratio | 14.9795% | 4,336 |
| Memoranda: | ||
| Average total assets | $1,253,056,000 | 533 |
| Average earning assets | $1,192,995,330 | 506 |
| Average equity | $90,507,000 | 751 |
| Average total loans | $371,954,670 | 1,172 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 6,797 |
| Cost of funding earning assets | 0.4961% | 6,981 |
| Net interest margin | 3.4286% | 5,306 |
| Noninterest income to average assets | 0.3332% | 5,236 |
| Noninterest expense to average assets | 1.6104% | 7,301 |
| Loan and lease loss provision to assets | 1.2061% | 584 |
| Net operating income to assets | 0.5921% | 4,071 |
| Return on assets (ROA) | 0.5963% | 4,122 |
| Pretax return on assets | 0.7854% | 3,952 |
| Return on Equity (ROE) | 8.4737% | 2,704 |
| Retained earnings to average equity (ytd only) | 8.4737% | 1,558 |
| Net charge-offs to loans | 6.6744% | 85 |
| Credit loss provision to net charge-offs | 59.7514% | 3,551 |
| Earnings coverage of net charge-offs (x) | 0.9839% | 3,920 |
| Efficiency ratio | 44.7773% | 7,254 |
| Assets per employee ($millions) | 7.6535% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5042% | 288 |
| Loan loss allowance to noncurrent loans | 95.4081% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.7638% | 3,622 |
| Noncurrent loans to loans | 4.7210% | 1,465 |
| Net loans and leases to total assets | 27.4081% | 7,312 |
| Net loans and leases to deposits | 32.3484% | 7,311 |
| Net loans and leases to core deposits | 32.7479% | 7,338 |
| Total domestic deposits to total assets | 84.7279% | 4,161 |
| Equity capital to assets | 6.9233% | 7,104 |
| Core capital (leverage) ratio | 6.6545% | 7,130 |
| Tier 1 risk-based capital ratio | 12.5757% | 5,191 |
| Total risk-based capital ratio | 13.8419% | 5,154 |
| Memoranda: | ||
| Average total assets | $1,243,676,000 | 539 |
| Average earning assets | $1,183,692,000 | 513 |
| Average equity | $87,518,000 | 761 |
| Average total loans | $376,126,000 | 1,175 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 6,800 |
| Cost of funding earning assets | 0.7421% | 6,758 |
| Net interest margin | 3.5503% | 5,036 |
| Noninterest income to average assets | 0.3536% | 5,279 |
| Noninterest expense to average assets | 1.7045% | 7,348 |
| Loan and lease loss provision to assets | 1.8494% | 741 |
| Net operating income to assets | 0.1090% | 5,568 |
| Return on assets (ROA) | 0.3696% | 4,828 |
| Pretax return on assets | 0.3905% | 4,978 |
| Return on Equity (ROE) | 4.9333% | 4,096 |
| Retained earnings to average equity (ytd only) | 4.9333% | 2,453 |
| Net charge-offs to loans | 2.6995% | 670 |
| Credit loss provision to net charge-offs | 198.5283% | 1,591 |
| Earnings coverage of net charge-offs (x) | 2.1101% | 4,140 |
| Efficiency ratio | 46.4419% | 7,339 |
| Assets per employee ($millions) | 7.1522% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9966% | 193 |
| Loan loss allowance to noncurrent loans | 93.7754% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.8270% | 3,592 |
| Noncurrent loans to loans | 5.3283% | 1,240 |
| Net loans and leases to total assets | 30.2998% | 7,343 |
| Net loans and leases to deposits | 34.7061% | 7,377 |
| Net loans and leases to core deposits | 35.0885% | 7,403 |
| Total domestic deposits to total assets | 87.3039% | 2,667 |
| Equity capital to assets | 7.1588% | 7,055 |
| Core capital (leverage) ratio | 6.7014% | 7,140 |
| Tier 1 risk-based capital ratio | 12.8259% | 4,752 |
| Total risk-based capital ratio | 14.0985% | 4,698 |
| Memoranda: | ||
| Average total assets | $1,159,772,200 | 576 |
| Average earning assets | $1,083,388,800 | 557 |
| Average equity | $86,878,200 | 769 |
| Average total loans | $400,216,800 | 1,129 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 6,856 |
| Cost of funding earning assets | 0.8015% | 6,759 |
| Net interest margin | 3.5713% | 5,010 |
| Noninterest income to average assets | 0.3821% | 5,096 |
| Noninterest expense to average assets | 1.7294% | 7,412 |
| Loan and lease loss provision to assets | 2.1338% | 536 |
| Net operating income to assets | -0.0858% | 6,167 |
| Return on assets (ROA) | 0.2050% | 5,656 |
| Pretax return on assets | 0.1297% | 5,867 |
| Return on Equity (ROE) | 2.7051% | 5,346 |
| Retained earnings to average equity (ytd only) | 2.7051% | 4,532 |
| Net charge-offs to loans | 3.4362% | 406 |
| Credit loss provision to net charge-offs | 176.4582% | 2,084 |
| Earnings coverage of net charge-offs (x) | 1.6313% | 4,492 |
| Efficiency ratio | 46.7145% | 7,355 |
| Assets per employee ($millions) | 6.7320% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2074% | 313 |
| Loan loss allowance to noncurrent loans | 103.5321% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 1.5355% | 4,147 |
| Noncurrent loans to loans | 4.0638% | 1,835 |
| Net loans and leases to total assets | 32.3910% | 7,398 |
| Net loans and leases to deposits | 37.8987% | 7,424 |
| Net loans and leases to core deposits | 38.4103% | 7,451 |
| Total domestic deposits to total assets | 85.4674% | 3,369 |
| Equity capital to assets | 7.7558% | 6,968 |
| Core capital (leverage) ratio | 6.8043% | 7,249 |
| Tier 1 risk-based capital ratio | 12.8277% | 4,711 |
| Total risk-based capital ratio | 14.0956% | 4,681 |
| Memoranda: | ||
| Average total assets | $1,149,322,750 | 577 |
| Average earning assets | $1,068,450,000 | 561 |
| Average equity | $87,093,250 | 764 |
| Average total loans | $404,465,750 | 1,125 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 6,873 |
| Cost of funding earning assets | 0.8715% | 6,685 |
| Net interest margin | 3.5425% | 5,081 |
| Noninterest income to average assets | 0.3780% | 5,102 |
| Noninterest expense to average assets | 1.7124% | 7,494 |
| Loan and lease loss provision to assets | 2.1965% | 545 |
| Net operating income to assets | -0.2017% | 6,362 |
| Return on assets (ROA) | 0.2310% | 5,591 |
| Pretax return on assets | 0.1685% | 5,849 |
| Return on Equity (ROE) | 3.0723% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.0723% | 4,147 |
| Net charge-offs to loans | 3.4557% | 431 |
| Credit loss provision to net charge-offs | 178.2670% | 2,198 |
| Earnings coverage of net charge-offs (x) | 1.5683% | 4,315 |
| Efficiency ratio | 46.9822% | 7,394 |
| Assets per employee ($millions) | 6.4575% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4972% | 544 |
| Loan loss allowance to noncurrent loans | 79.2981% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.7434% | 3,830 |
| Noncurrent loans to loans | 4.4102% | 1,657 |
| Net loans and leases to total assets | 34.2612% | 7,412 |
| Net loans and leases to deposits | 39.8062% | 7,448 |
| Net loans and leases to core deposits | 40.3452% | 7,482 |
| Total domestic deposits to total assets | 86.0701% | 3,041 |
| Equity capital to assets | 7.9096% | 6,842 |
| Core capital (leverage) ratio | 6.8465% | 7,265 |
| Tier 1 risk-based capital ratio | 12.4209% | 4,929 |
| Total risk-based capital ratio | 13.6832% | 4,899 |
| Memoranda: | ||
| Average total assets | $1,146,464,330 | 577 |
| Average earning assets | $1,057,230,330 | 567 |
| Average equity | $86,189,670 | 761 |
| Average total loans | $408,778,330 | 1,124 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 6,920 |
| Cost of funding earning assets | 0.9404% | 6,618 |
| Net interest margin | 3.5002% | 5,154 |
| Noninterest income to average assets | 0.2934% | 5,795 |
| Noninterest expense to average assets | 1.6625% | 7,608 |
| Loan and lease loss provision to assets | 2.6221% | 393 |
| Net operating income to assets | -0.6980% | 6,955 |
| Return on assets (ROA) | 0.1566% | 5,956 |
| Pretax return on assets | 0.0495% | 6,254 |
| Return on Equity (ROE) | 2.1373% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.1373% | 4,852 |
| Net charge-offs to loans | 6.1566% | 171 |
| Credit loss provision to net charge-offs | 119.1969% | 2,923 |
| Earnings coverage of net charge-offs (x) | 0.8260% | 4,307 |
| Efficiency ratio | 47.7798% | 7,454 |
| Assets per employee ($millions) | 6.6552% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4094% | 1,409 |
| Loan loss allowance to noncurrent loans | 94.3883% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 5,029 |
| Noncurrent loans to loans | 2.5527% | 3,122 |
| Net loans and leases to total assets | 34.2017% | 7,489 |
| Net loans and leases to deposits | 40.6478% | 7,499 |
| Net loans and leases to core deposits | 41.1708% | 7,546 |
| Total domestic deposits to total assets | 84.1416% | 4,081 |
| Equity capital to assets | 7.3543% | 7,179 |
| Core capital (leverage) ratio | 6.8745% | 7,315 |
| Tier 1 risk-based capital ratio | 12.4751% | 4,780 |
| Total risk-based capital ratio | 13.7290% | 4,723 |
| Memoranda: | ||
| Average total assets | $1,154,665,000 | 590 |
| Average earning assets | $1,051,028,000 | 586 |
| Average equity | $84,592,500 | 781 |
| Average total loans | $412,565,500 | 1,142 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 6,711 |
| Cost of funding earning assets | 1.1820% | 6,723 |
| Net interest margin | 3.7185% | 4,050 |
| Noninterest income to average assets | 0.0683% | 7,409 |
| Noninterest expense to average assets | 1.9366% | 7,447 |
| Loan and lease loss provision to assets | 1.6300% | 1,404 |
| Net operating income to assets | 0.0338% | 5,384 |
| Return on assets (ROA) | 0.1181% | 5,210 |
| Pretax return on assets | 0.0470% | 5,339 |
| Return on Equity (ROE) | 1.5210% | 5,080 |
| Retained earnings to average equity (ytd only) | 1.5210% | 4,008 |
| Net charge-offs to loans | 5.1014% | 245 |
| Credit loss provision to net charge-offs | 76.3961% | 6,370 |
| Earnings coverage of net charge-offs (x) | 0.7464% | 5,350 |
| Efficiency ratio | 54.8737% | 7,144 |
| Assets per employee ($millions) | 6.6171% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 1,983 |
| Loan loss allowance to noncurrent loans | 71.8523% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.2959% | 4,491 |
| Noncurrent loans to loans | 2.8067% | 2,753 |
| Net loans and leases to total assets | 35.6763% | 7,534 |
| Net loans and leases to deposits | 45.3457% | 7,469 |
| Net loans and leases to core deposits | 49.3919% | 7,600 |
| Total domestic deposits to total assets | 78.6763% | 6,075 |
| Equity capital to assets | 7.2982% | 7,201 |
| Core capital (leverage) ratio | 6.4689% | 7,504 |
| Tier 1 risk-based capital ratio | 10.9381% | 5,973 |
| Total risk-based capital ratio | 12.1556% | 5,983 |
| Memoranda: | ||
| Average total assets | $1,077,612,000 | 627 |
| Average earning assets | $1,002,948,000 | 604 |
| Average equity | $83,693,800 | 770 |
| Average total loans | $450,700,400 | 1,061 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 6,851 |
| Cost of funding earning assets | 1.1746% | 6,957 |
| Net interest margin | 3.7396% | 3,912 |
| Noninterest income to average assets | 0.2876% | 6,181 |
| Noninterest expense to average assets | 1.8547% | 7,604 |
| Loan and lease loss provision to assets | 1.1119% | 1,755 |
| Net operating income to assets | 0.6495% | 3,409 |
| Return on assets (ROA) | 0.6672% | 3,388 |
| Pretax return on assets | 0.8391% | 3,412 |
| Return on Equity (ROE) | 8.4512% | 2,469 |
| Retained earnings to average equity (ytd only) | 8.4512% | 993 |
| Net charge-offs to loans | 2.5850% | 703 |
| Credit loss provision to net charge-offs | 99.3242% | 5,145 |
| Earnings coverage of net charge-offs (x) | 1.7229% | 4,506 |
| Efficiency ratio | 49.0220% | 7,620 |
| Assets per employee ($millions) | 6.4958% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0871% | 622 |
| Loan loss allowance to noncurrent loans | 51.3666% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 3.3870% | 1,977 |
| Noncurrent loans to loans | 6.0100% | 979 |
| Net loans and leases to total assets | 37.8701% | 7,555 |
| Net loans and leases to deposits | 49.3268% | 7,440 |
| Net loans and leases to core deposits | 53.6689% | 7,603 |
| Total domestic deposits to total assets | 76.7739% | 6,403 |
| Equity capital to assets | 7.9637% | 6,883 |
| Core capital (leverage) ratio | 7.3013% | 7,187 |
| Tier 1 risk-based capital ratio | 11.1170% | 5,840 |
| Total risk-based capital ratio | 12.3753% | 5,781 |
| Memoranda: | ||
| Average total assets | $1,057,518,000 | 645 |
| Average earning assets | $988,592,500 | 621 |
| Average equity | $83,489,250 | 783 |
| Average total loans | $457,968,000 | 1,065 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9854% | 6,821 |
| Cost of funding earning assets | 1.1799% | 7,166 |
| Net interest margin | 3.8055% | 3,534 |
| Noninterest income to average assets | 0.3175% | 5,963 |
| Noninterest expense to average assets | 1.7920% | 7,751 |
| Loan and lease loss provision to assets | 1.1321% | 1,517 |
| Net operating income to assets | 0.7329% | 3,122 |
| Return on assets (ROA) | 0.7417% | 3,186 |
| Pretax return on assets | 0.9529% | 3,169 |
| Return on Equity (ROE) | 9.4260% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.4260% | 834 |
| Net charge-offs to loans | 3.6558% | 411 |
| Credit loss provision to net charge-offs | 68.9934% | 5,435 |
| Earnings coverage of net charge-offs (x) | 1.2638% | 4,583 |
| Efficiency ratio | 46.3569% | 7,836 |
| Assets per employee ($millions) | 5.8174% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4953% | 906 |
| Loan loss allowance to noncurrent loans | 67.3130% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.9288% | 2,178 |
| Noncurrent loans to loans | 3.7071% | 1,876 |
| Net loans and leases to total assets | 42.0005% | 7,446 |
| Net loans and leases to deposits | 54.1205% | 7,263 |
| Net loans and leases to core deposits | 58.3320% | 7,511 |
| Total domestic deposits to total assets | 77.6055% | 6,176 |
| Equity capital to assets | 7.8530% | 6,908 |
| Core capital (leverage) ratio | 7.6266% | 6,866 |
| Tier 1 risk-based capital ratio | 11.3647% | 5,541 |
| Total risk-based capital ratio | 12.6194% | 5,435 |
| Memoranda: | ||
| Average total assets | $1,026,769,000 | 680 |
| Average earning assets | $957,355,000 | 657 |
| Average equity | $80,797,670 | 814 |
| Average total loans | $460,861,670 | 1,080 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1069% | 6,622 |
| Cost of funding earning assets | 1.1750% | 7,354 |
| Net interest margin | 3.9319% | 2,920 |
| Noninterest income to average assets | 0.3275% | 5,828 |
| Noninterest expense to average assets | 1.7714% | 7,733 |
| Loan and lease loss provision to assets | 1.2540% | 1,020 |
| Net operating income to assets | 0.7518% | 3,343 |
| Return on assets (ROA) | 0.7667% | 3,446 |
| Pretax return on assets | 0.9908% | 3,388 |
| Return on Equity (ROE) | 9.7329% | 2,429 |
| Retained earnings to average equity (ytd only) | 9.7329% | 1,266 |
| Net charge-offs to loans | 0.3875% | 2,548 |
| Credit loss provision to net charge-offs | 706.2222% | 840 |
| Earnings coverage of net charge-offs (x) | 12.5333% | 1,796 |
| Efficiency ratio | 44.3183% | 7,915 |
| Assets per employee ($millions) | 5.5226% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5867% | 305 |
| Loan loss allowance to noncurrent loans | 52.7887% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 3.5298% | 1,520 |
| Noncurrent loans to loans | 6.7944% | 613 |
| Net loans and leases to total assets | 44.5505% | 7,300 |
| Net loans and leases to deposits | 55.6074% | 7,180 |
| Net loans and leases to core deposits | 59.2803% | 7,483 |
| Total domestic deposits to total assets | 80.1162% | 5,326 |
| Equity capital to assets | 8.1233% | 6,644 |
| Core capital (leverage) ratio | 7.6465% | 6,960 |
| Tier 1 risk-based capital ratio | 12.8797% | 4,271 |
| Total risk-based capital ratio | 14.1491% | 4,178 |
| Memoranda: | ||
| Average total assets | $1,013,676,500 | 682 |
| Average earning assets | $946,008,500 | 664 |
| Average equity | $79,852,500 | 827 |
| Average total loans | $464,510,500 | 1,081 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5110% | 7,275 |
| Cost of funding earning assets | 1.6945% | 7,268 |
| Net interest margin | 3.8165% | 3,950 |
| Noninterest income to average assets | 0.1487% | 7,354 |
| Noninterest expense to average assets | 1.9839% | 7,471 |
| Loan and lease loss provision to assets | 0.9683% | 1,521 |
| Net operating income to assets | 0.6832% | 3,967 |
| Return on assets (ROA) | 0.0959% | 5,970 |
| Pretax return on assets | -0.1515% | 6,324 |
| Return on Equity (ROE) | 1.3108% | 5,827 |
| Retained earnings to average equity (ytd only) | -0.2012% | 5,342 |
| Net charge-offs to loans | 0.6702% | 1,840 |
| Credit loss provision to net charge-offs | 328.5481% | 1,377 |
| Earnings coverage of net charge-offs (x) | 5.8852% | 3,499 |
| Efficiency ratio | 53.3540% | 7,345 |
| Assets per employee ($millions) | 5.5557% | 1,418 |
| Cash dividends to net income (ytd only)* | 115.3460% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9984% | 433 |
| Loan loss allowance to noncurrent loans | 43.4823% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 3.5789% | 1,234 |
| Noncurrent loans to loans | 6.8957% | 445 |
| Net loans and leases to total assets | 44.0845% | 7,462 |
| Net loans and leases to deposits | 58.5631% | 7,173 |
| Net loans and leases to core deposits | 62.7598% | 7,484 |
| Total domestic deposits to total assets | 75.2769% | 6,386 |
| Equity capital to assets | 7.6359% | 7,273 |
| Core capital (leverage) ratio | 7.3450% | 7,369 |
| Tier 1 risk-based capital ratio | 12.3273% | 4,565 |
| Total risk-based capital ratio | 13.5902% | 4,443 |
| Memoranda: | ||
| Average total assets | $1,039,982,000 | 636 |
| Average earning assets | $972,719,600 | 616 |
| Average equity | $76,060,800 | 871 |
| Average total loans | $457,312,600 | 1,056 |