Home > Farmers Bank & Trust Company > Performance and Condition Ratios
Farmers Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4364% | 1,247 |
| Cost of funding earning assets | 2.2495% | 592 |
| Net interest margin | 3.1869% | 2,908 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.4790% | 2,353 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.8743% | 2,620 |
| Return on assets (ROA) | 0.8977% | 2,526 |
| Pretax return on assets | 1.1530% | 2,252 |
| Return on Equity (ROE) | 12.5600% | 1,829 |
| Retained earnings to average equity (ytd only) | 8.3377% | 1,450 |
| Net charge-offs to loans | 0.0870% | 996 |
| Credit loss provision to net charge-offs | 154.8947% | 1,447 |
| Earnings coverage of net charge-offs (x) | 20.0149% | 1,879 |
| Efficiency ratio | 66.0657% | 2,345 |
| Assets per employee ($millions) | 7.6096% | 1,654 |
| Cash dividends to net income (ytd only)* | 33.5923% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 1,065 |
| Loan loss allowance to noncurrent loans | 253.2629% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 1,318 |
| Noncurrent loans to loans | 0.5904% | 1,335 |
| Net loans and leases to total assets | 69.9300% | 1,816 |
| Net loans and leases to deposits | 78.5230% | 2,225 |
| Net loans and leases to core deposits | 88.6805% | 2,140 |
| Total domestic deposits to total assets | 89.0600% | 1,051 |
| Equity capital to assets | 7.5010% | 3,718 |
| Core capital (leverage) ratio | 8.4452% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7311% | 2,647 |
| Memoranda: | ||
| Average total assets | $2,652,916,400 | 442 |
| Average earning assets | $2,430,594,200 | 434 |
| Average equity | $189,680,800 | 562 |
| Average total loans | $1,854,776,600 | 427 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2910% | 1,300 |
| Cost of funding earning assets | 2.1167% | 574 |
| Net interest margin | 3.1744% | 2,975 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.4888% | 2,268 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.8904% | 2,718 |
| Return on assets (ROA) | 0.9086% | 2,635 |
| Pretax return on assets | 1.1044% | 2,555 |
| Return on Equity (ROE) | 12.8800% | 1,922 |
| Retained earnings to average equity (ytd only) | 8.5428% | 1,804 |
| Net charge-offs to loans | 0.0687% | 989 |
| Credit loss provision to net charge-offs | 186.5672% | 1,165 |
| Earnings coverage of net charge-offs (x) | 24.5704% | 1,707 |
| Efficiency ratio | 66.8837% | 2,163 |
| Assets per employee ($millions) | 7.3662% | 1,714 |
| Cash dividends to net income (ytd only)* | 33.6568% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,322 |
| Loan loss allowance to noncurrent loans | 268.2453% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 1,454 |
| Noncurrent loans to loans | 0.5341% | 1,489 |
| Net loans and leases to total assets | 69.9700% | 1,830 |
| Net loans and leases to deposits | 77.1222% | 2,320 |
| Net loans and leases to core deposits | 87.3886% | 2,100 |
| Total domestic deposits to total assets | 90.7200% | 738 |
| Equity capital to assets | 6.3475% | 3,878 |
| Core capital (leverage) ratio | 8.4947% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6204% | 2,703 |
| Memoranda: | ||
| Average total assets | $2,616,064,500 | 448 |
| Average earning assets | $2,397,305,750 | 442 |
| Average equity | $184,588,250 | 569 |
| Average total loans | $1,821,463,250 | 436 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1091% | 1,358 |
| Cost of funding earning assets | 1.9322% | 571 |
| Net interest margin | 3.1768% | 3,044 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.3381% | 2,687 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8419% | 2,950 |
| Return on assets (ROA) | 0.8826% | 2,805 |
| Pretax return on assets | 1.1160% | 2,600 |
| Return on Equity (ROE) | 12.0800% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.9614% | 1,410 |
| Net charge-offs to loans | 0.0699% | 862 |
| Credit loss provision to net charge-offs | 160.2564% | 1,158 |
| Earnings coverage of net charge-offs (x) | 23.6266% | 1,671 |
| Efficiency ratio | 66.0479% | 2,231 |
| Assets per employee ($millions) | 7.0529% | 1,888 |
| Cash dividends to net income (ytd only)* | 17.5531% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 934 |
| Loan loss allowance to noncurrent loans | 447.0308% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 1,920 |
| Noncurrent loans to loans | 0.3582% | 1,849 |
| Net loans and leases to total assets | 69.0600% | 1,845 |
| Net loans and leases to deposits | 76.6430% | 2,245 |
| Net loans and leases to core deposits | 86.2661% | 2,053 |
| Total domestic deposits to total assets | 90.1000% | 903 |
| Equity capital to assets | 7.0823% | 3,749 |
| Core capital (leverage) ratio | 8.6799% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8313% | 2,674 |
| Memoranda: | ||
| Average total assets | $2,582,049,333 | 436 |
| Average earning assets | $2,362,978,333 | 439 |
| Average equity | $188,607,333 | 553 |
| Average total loans | $1,785,494,667 | 428 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 1,276 |
| Cost of funding earning assets | 1.7276% | 531 |
| Net interest margin | 3.2468% | 3,004 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.4165% | 2,481 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8368% | 3,062 |
| Return on assets (ROA) | 0.9012% | 2,807 |
| Pretax return on assets | 1.1496% | 2,574 |
| Return on Equity (ROE) | 12.1400% | 2,181 |
| Retained earnings to average equity (ytd only) | 12.1432% | 1,242 |
| Net charge-offs to loans | 0.0676% | 733 |
| Credit loss provision to net charge-offs | 153.0612% | 941 |
| Earnings coverage of net charge-offs (x) | 24.5680% | 1,386 |
| Efficiency ratio | 66.8293% | 2,110 |
| Assets per employee ($millions) | 6.7654% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6863% | 841 |
| Loan loss allowance to noncurrent loans | 142.9866% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 582 |
| Noncurrent loans to loans | 1.1793% | 595 |
| Net loans and leases to total assets | 67.6200% | 1,882 |
| Net loans and leases to deposits | 73.8717% | 2,303 |
| Net loans and leases to core deposits | 82.5713% | 2,086 |
| Total domestic deposits to total assets | 91.5400% | 637 |
| Equity capital to assets | 7.4619% | 3,583 |
| Core capital (leverage) ratio | 8.8304% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2432% | 2,652 |
| Memoranda: | ||
| Average total assets | $2,536,545,000 | 455 |
| Average earning assets | $2,315,634,500 | 459 |
| Average equity | $188,254,000 | 560 |
| Average total loans | $1,740,253,500 | 446 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 977 |
| Cost of funding earning assets | 0.7132% | 552 |
| Net interest margin | 3.6314% | 1,549 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.2936% | 2,758 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.2527% | 1,595 |
| Return on assets (ROA) | 1.2243% | 1,634 |
| Pretax return on assets | 1.5186% | 1,397 |
| Return on Equity (ROE) | 15.3600% | 1,176 |
| Retained earnings to average equity (ytd only) | 12.2093% | 629 |
| Net charge-offs to loans | 0.1661% | 505 |
| Credit loss provision to net charge-offs | 147.8145% | 1,311 |
| Earnings coverage of net charge-offs (x) | 15.5948% | 1,999 |
| Efficiency ratio | 56.1046% | 3,573 |
| Assets per employee ($millions) | 6.5675% | 2,280 |
| Cash dividends to net income (ytd only)* | 20.4988% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 1,209 |
| Loan loss allowance to noncurrent loans | 311.3443% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 1,514 |
| Noncurrent loans to loans | 0.4813% | 1,496 |
| Net loans and leases to total assets | 67.4100% | 1,893 |
| Net loans and leases to deposits | 73.9778% | 2,261 |
| Net loans and leases to core deposits | 84.4101% | 1,853 |
| Total domestic deposits to total assets | 91.1200% | 909 |
| Equity capital to assets | 7.3803% | 3,455 |
| Core capital (leverage) ratio | 8.8564% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5248% | 2,562 |
| Memoranda: | ||
| Average total assets | $2,390,690,600 | 469 |
| Average earning assets | $2,191,680,400 | 467 |
| Average equity | $190,592,000 | 546 |
| Average total loans | $1,584,301,800 | 454 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 927 |
| Cost of funding earning assets | 0.5051% | 741 |
| Net interest margin | 3.6754% | 1,207 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.3420% | 2,508 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.2894% | 1,390 |
| Return on assets (ROA) | 1.2430% | 1,519 |
| Pretax return on assets | 1.5845% | 1,159 |
| Return on Equity (ROE) | 15.2900% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.5137% | 690 |
| Net charge-offs to loans | 0.1262% | 504 |
| Credit loss provision to net charge-offs | 122.5323% | 1,210 |
| Earnings coverage of net charge-offs (x) | 21.0490% | 1,694 |
| Efficiency ratio | 56.2113% | 3,609 |
| Assets per employee ($millions) | 6.8127% | 2,084 |
| Cash dividends to net income (ytd only)* | 18.1595% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 1,315 |
| Loan loss allowance to noncurrent loans | 295.1313% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 1,565 |
| Noncurrent loans to loans | 0.5054% | 1,538 |
| Net loans and leases to total assets | 65.8700% | 1,902 |
| Net loans and leases to deposits | 71.8873% | 2,214 |
| Net loans and leases to core deposits | 81.9757% | 1,768 |
| Total domestic deposits to total assets | 91.6300% | 1,001 |
| Equity capital to assets | 6.8683% | 3,582 |
| Core capital (leverage) ratio | 8.8150% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6865% | 2,581 |
| Memoranda: | ||
| Average total assets | $2,362,807,500 | 474 |
| Average earning assets | $2,170,259,750 | 471 |
| Average equity | $192,072,000 | 547 |
| Average total loans | $1,552,304,500 | 459 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 888 |
| Cost of funding earning assets | 0.3636% | 1,165 |
| Net interest margin | 3.6725% | 960 |
| Noninterest income to average assets | 0.7230% | 1,251 |
| Noninterest expense to average assets | 2.3618% | 2,365 |
| Loan and lease loss provision to assets | 0.1033% | 969 |
| Net operating income to assets | 1.2830% | 1,188 |
| Return on assets (ROA) | 1.2706% | 1,202 |
| Pretax return on assets | 1.6279% | 886 |
| Return on Equity (ROE) | 14.8132% | 936 |
| Retained earnings to average equity (ytd only) | 12.8064% | 491 |
| Net charge-offs to loans | 0.0653% | 765 |
| Credit loss provision to net charge-offs | 242.4242% | 882 |
| Earnings coverage of net charge-offs (x) | 41.0061% | 1,245 |
| Efficiency ratio | 57.1491% | 3,665 |
| Assets per employee ($millions) | 6.9894% | 1,950 |
| Cash dividends to net income (ytd only)* | 13.5474% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 1,243 |
| Loan loss allowance to noncurrent loans | 220.3247% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 1,218 |
| Noncurrent loans to loans | 0.7087% | 1,218 |
| Net loans and leases to total assets | 63.6106% | 1,951 |
| Net loans and leases to deposits | 70.0397% | 2,198 |
| Net loans and leases to core deposits | 80.6931% | 1,678 |
| Total domestic deposits to total assets | 90.8208% | 1,325 |
| Equity capital to assets | 7.4985% | 3,481 |
| Core capital (leverage) ratio | 8.8945% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5082% | 2,672 |
| Memoranda: | ||
| Average total assets | $2,323,797,333 | 477 |
| Average earning assets | $2,142,385,667 | 481 |
| Average equity | $199,322,000 | 531 |
| Average total loans | $1,517,025,667 | 461 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 817 |
| Cost of funding earning assets | 0.3136% | 1,527 |
| Net interest margin | 3.6568% | 812 |
| Noninterest income to average assets | 0.7141% | 1,272 |
| Noninterest expense to average assets | 2.3781% | 2,237 |
| Loan and lease loss provision to assets | 0.1338% | 607 |
| Net operating income to assets | 1.2353% | 1,153 |
| Return on assets (ROA) | 1.2127% | 1,206 |
| Pretax return on assets | 1.5637% | 893 |
| Return on Equity (ROE) | 13.2158% | 994 |
| Retained earnings to average equity (ytd only) | 13.2158% | 449 |
| Net charge-offs to loans | 0.0487% | 801 |
| Credit loss provision to net charge-offs | 418.9944% | 573 |
| Earnings coverage of net charge-offs (x) | 54.0391% | 894 |
| Efficiency ratio | 57.6000% | 3,723 |
| Assets per employee ($millions) | 6.5839% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 1,141 |
| Loan loss allowance to noncurrent loans | 223.7724% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 1,276 |
| Noncurrent loans to loans | 0.7402% | 1,290 |
| Net loans and leases to total assets | 62.3812% | 1,809 |
| Net loans and leases to deposits | 70.2027% | 1,948 |
| Net loans and leases to core deposits | 77.3358% | 1,668 |
| Total domestic deposits to total assets | 88.8588% | 2,145 |
| Equity capital to assets | 8.4531% | 3,202 |
| Core capital (leverage) ratio | 9.2156% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3902% | 2,449 |
| Memoranda: | ||
| Average total assets | $2,241,586,500 | 501 |
| Average earning assets | $2,078,095,000 | 499 |
| Average equity | $205,693,500 | 529 |
| Average total loans | $1,471,600,000 | 473 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 713 |
| Cost of funding earning assets | 0.4537% | 1,175 |
| Net interest margin | 3.9486% | 789 |
| Noninterest income to average assets | 0.7182% | 1,695 |
| Noninterest expense to average assets | 2.2836% | 2,839 |
| Loan and lease loss provision to assets | 0.2271% | 441 |
| Net operating income to assets | 1.4791% | 1,066 |
| Return on assets (ROA) | 1.4746% | 1,128 |
| Pretax return on assets | 1.8583% | 800 |
| Return on Equity (ROE) | 14.2433% | 1,116 |
| Retained earnings to average equity (ytd only) | 11.2519% | 655 |
| Net charge-offs to loans | 0.2052% | 462 |
| Credit loss provision to net charge-offs | 153.9000% | 1,475 |
| Earnings coverage of net charge-offs (x) | 14.1703% | 2,043 |
| Efficiency ratio | 51.8147% | 4,132 |
| Assets per employee ($millions) | 7.1890% | 1,794 |
| Cash dividends to net income (ytd only)* | 21.0025% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 1,044 |
| Loan loss allowance to noncurrent loans | 225.0277% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 1,283 |
| Noncurrent loans to loans | 0.7554% | 1,343 |
| Net loans and leases to total assets | 66.9942% | 1,373 |
| Net loans and leases to deposits | 76.9254% | 1,495 |
| Net loans and leases to core deposits | 87.1663% | 1,125 |
| Total domestic deposits to total assets | 87.0899% | 2,479 |
| Equity capital to assets | 9.9922% | 2,662 |
| Core capital (leverage) ratio | 9.2653% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9139% | 2,659 |
| Memoranda: | ||
| Average total assets | $1,937,370,800 | 553 |
| Average earning assets | $1,794,009,200 | 547 |
| Average equity | $200,570,800 | 543 |
| Average total loans | $1,393,136,000 | 491 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 691 |
| Cost of funding earning assets | 0.4841% | 1,137 |
| Net interest margin | 4.0001% | 795 |
| Noninterest income to average assets | 0.7031% | 1,813 |
| Noninterest expense to average assets | 2.2610% | 2,861 |
| Loan and lease loss provision to assets | 0.2533% | 362 |
| Net operating income to assets | 1.4638% | 1,348 |
| Return on assets (ROA) | 1.4508% | 1,451 |
| Pretax return on assets | 1.8728% | 997 |
| Return on Equity (ROE) | 13.8798% | 1,427 |
| Retained earnings to average equity (ytd only) | 11.8607% | 859 |
| Net charge-offs to loans | 0.0796% | 873 |
| Credit loss provision to net charge-offs | 436.3636% | 822 |
| Earnings coverage of net charge-offs (x) | 36.9127% | 1,418 |
| Efficiency ratio | 50.9522% | 4,127 |
| Assets per employee ($millions) | 6.9670% | 1,894 |
| Cash dividends to net income (ytd only)* | 14.5476% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8458% | 855 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 912 |
| Noncurrent loans to loans | 1.1075% | 1,008 |
| Net loans and leases to total assets | 68.1758% | 1,299 |
| Net loans and leases to deposits | 78.9085% | 1,397 |
| Net loans and leases to core deposits | 91.1718% | 969 |
| Total domestic deposits to total assets | 86.3986% | 2,599 |
| Equity capital to assets | 10.3433% | 2,574 |
| Core capital (leverage) ratio | 9.3789% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4240% | 2,571 |
| Memoranda: | ||
| Average total assets | $1,895,121,000 | 565 |
| Average earning assets | $1,753,159,250 | 564 |
| Average equity | $198,095,250 | 552 |
| Average total loans | $1,382,533,000 | 503 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 813 |
| Cost of funding earning assets | 0.5195% | 1,096 |
| Net interest margin | 3.9146% | 945 |
| Noninterest income to average assets | 0.6782% | 1,898 |
| Noninterest expense to average assets | 2.2452% | 2,937 |
| Loan and lease loss provision to assets | 0.2580% | 378 |
| Net operating income to assets | 1.3819% | 1,627 |
| Return on assets (ROA) | 1.3659% | 1,738 |
| Pretax return on assets | 1.7706% | 1,298 |
| Return on Equity (ROE) | 13.0182% | 1,711 |
| Retained earnings to average equity (ytd only) | 10.9689% | 1,130 |
| Net charge-offs to loans | 0.0745% | 904 |
| Credit loss provision to net charge-offs | 466.9261% | 705 |
| Earnings coverage of net charge-offs (x) | 37.0759% | 1,200 |
| Efficiency ratio | 51.8765% | 4,058 |
| Assets per employee ($millions) | 6.8360% | 1,919 |
| Cash dividends to net income (ytd only)* | 15.7418% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 930 |
| Loan loss allowance to noncurrent loans | 163.7681% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 995 |
| Noncurrent loans to loans | 1.0821% | 1,123 |
| Net loans and leases to total assets | 70.9037% | 1,098 |
| Net loans and leases to deposits | 82.1440% | 1,208 |
| Net loans and leases to core deposits | 95.9842% | 806 |
| Total domestic deposits to total assets | 86.3164% | 2,617 |
| Equity capital to assets | 10.3472% | 2,543 |
| Core capital (leverage) ratio | 9.4003% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2814% | 2,616 |
| Memoranda: | ||
| Average total assets | $1,860,320,667 | 569 |
| Average earning assets | $1,718,316,667 | 567 |
| Average equity | $195,188,333 | 557 |
| Average total loans | $1,380,435,333 | 507 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 830 |
| Cost of funding earning assets | 0.5644% | 1,030 |
| Net interest margin | 3.8922% | 1,000 |
| Noninterest income to average assets | 0.6854% | 1,914 |
| Noninterest expense to average assets | 2.1503% | 3,271 |
| Loan and lease loss provision to assets | 0.2633% | 378 |
| Net operating income to assets | 1.4521% | 1,440 |
| Return on assets (ROA) | 1.3864% | 1,688 |
| Pretax return on assets | 1.7822% | 1,325 |
| Return on Equity (ROE) | 13.1171% | 1,644 |
| Retained earnings to average equity (ytd only) | 13.1171% | 892 |
| Net charge-offs to loans | 0.0740% | 828 |
| Credit loss provision to net charge-offs | 472.4409% | 607 |
| Earnings coverage of net charge-offs (x) | 38.1969% | 1,000 |
| Efficiency ratio | 49.8334% | 4,198 |
| Assets per employee ($millions) | 6.4344% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 1,002 |
| Loan loss allowance to noncurrent loans | 151.1619% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 994 |
| Noncurrent loans to loans | 1.1385% | 1,176 |
| Net loans and leases to total assets | 73.3707% | 866 |
| Net loans and leases to deposits | 85.6102% | 985 |
| Net loans and leases to core deposits | 101.1784% | 664 |
| Total domestic deposits to total assets | 85.7033% | 2,856 |
| Equity capital to assets | 10.4850% | 2,286 |
| Core capital (leverage) ratio | 9.8487% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8374% | 2,353 |
| Memoranda: | ||
| Average total assets | $1,823,184,000 | 574 |
| Average earning assets | $1,683,284,500 | 570 |
| Average equity | $192,694,500 | 554 |
| Average total loans | $1,372,430,000 | 514 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 798 |
| Cost of funding earning assets | 0.8852% | 896 |
| Net interest margin | 3.8696% | 1,310 |
| Noninterest income to average assets | 0.6450% | 2,048 |
| Noninterest expense to average assets | 2.2318% | 3,587 |
| Loan and lease loss provision to assets | 0.4766% | 552 |
| Net operating income to assets | 1.2091% | 1,521 |
| Return on assets (ROA) | 1.2476% | 1,497 |
| Pretax return on assets | 1.5649% | 1,148 |
| Return on Equity (ROE) | 12.3318% | 1,225 |
| Retained earnings to average equity (ytd only) | 10.6492% | 475 |
| Net charge-offs to loans | 0.3109% | 569 |
| Credit loss provision to net charge-offs | 199.7622% | 2,165 |
| Earnings coverage of net charge-offs (x) | 8.3553% | 2,611 |
| Efficiency ratio | 52.3641% | 4,361 |
| Assets per employee ($millions) | 6.3591% | 2,040 |
| Cash dividends to net income (ytd only)* | 13.6438% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 1,085 |
| Loan loss allowance to noncurrent loans | 157.6621% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 1,131 |
| Noncurrent loans to loans | 1.0651% | 1,335 |
| Net loans and leases to total assets | 74.6435% | 947 |
| Net loans and leases to deposits | 87.2927% | 1,154 |
| Net loans and leases to core deposits | 103.4442% | 752 |
| Total domestic deposits to total assets | 85.5095% | 2,566 |
| Equity capital to assets | 10.6560% | 2,556 |
| Core capital (leverage) ratio | 9.7372% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5910% | 2,406 |
| Memoranda: | ||
| Average total assets | $1,762,491,800 | 536 |
| Average earning assets | $1,630,689,200 | 533 |
| Average equity | $178,303,800 | 567 |
| Average total loans | $1,352,707,200 | 498 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 1,008 |
| Cost of funding earning assets | 0.9524% | 900 |
| Net interest margin | 3.7732% | 1,698 |
| Noninterest income to average assets | 0.5805% | 2,249 |
| Noninterest expense to average assets | 2.2237% | 3,627 |
| Loan and lease loss provision to assets | 0.2583% | 1,568 |
| Net operating income to assets | 1.2403% | 1,517 |
| Return on assets (ROA) | 1.2703% | 1,533 |
| Pretax return on assets | 1.6321% | 1,097 |
| Return on Equity (ROE) | 12.7302% | 1,192 |
| Retained earnings to average equity (ytd only) | 10.4459% | 682 |
| Net charge-offs to loans | 0.1187% | 1,176 |
| Credit loss provision to net charge-offs | 282.8619% | 1,816 |
| Earnings coverage of net charge-offs (x) | 20.2837% | 1,903 |
| Efficiency ratio | 54.0747% | 4,138 |
| Assets per employee ($millions) | 6.6078% | 1,746 |
| Cash dividends to net income (ytd only)* | 17.9437% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,362 |
| Loan loss allowance to noncurrent loans | 120.3577% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 1,073 |
| Noncurrent loans to loans | 1.2524% | 1,205 |
| Net loans and leases to total assets | 75.8530% | 1,114 |
| Net loans and leases to deposits | 90.8690% | 1,174 |
| Net loans and leases to core deposits | 109.5414% | 716 |
| Total domestic deposits to total assets | 83.4751% | 3,001 |
| Equity capital to assets | 10.2889% | 2,971 |
| Core capital (leverage) ratio | 9.4606% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3313% | 2,488 |
| Memoranda: | ||
| Average total assets | $1,754,798,250 | 532 |
| Average earning assets | $1,625,747,000 | 527 |
| Average equity | $175,107,000 | 569 |
| Average total loans | $1,350,529,500 | 486 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 701 |
| Cost of funding earning assets | 1.0380% | 876 |
| Net interest margin | 4.0520% | 1,212 |
| Noninterest income to average assets | 0.5773% | 2,220 |
| Noninterest expense to average assets | 2.2506% | 3,653 |
| Loan and lease loss provision to assets | 0.2297% | 1,828 |
| Net operating income to assets | 1.4403% | 1,035 |
| Return on assets (ROA) | 1.4324% | 1,136 |
| Pretax return on assets | 1.8395% | 757 |
| Return on Equity (ROE) | 14.4477% | 799 |
| Retained earnings to average equity (ytd only) | 12.1309% | 445 |
| Net charge-offs to loans | 0.1337% | 1,046 |
| Credit loss provision to net charge-offs | 223.2143% | 1,831 |
| Earnings coverage of net charge-offs (x) | 20.2054% | 1,693 |
| Efficiency ratio | 51.5252% | 4,396 |
| Assets per employee ($millions) | 6.6312% | 1,686 |
| Cash dividends to net income (ytd only)* | 16.0359% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,434 |
| Loan loss allowance to noncurrent loans | 110.5457% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.0441% | 1,130 |
| Noncurrent loans to loans | 1.3060% | 1,185 |
| Net loans and leases to total assets | 75.3759% | 1,221 |
| Net loans and leases to deposits | 90.1491% | 1,344 |
| Net loans and leases to core deposits | 108.4513% | 792 |
| Total domestic deposits to total assets | 83.6125% | 2,878 |
| Equity capital to assets | 10.1389% | 3,078 |
| Core capital (leverage) ratio | 9.1864% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1904% | 2,529 |
| Memoranda: | ||
| Average total assets | $1,741,438,333 | 526 |
| Average earning assets | $1,612,696,000 | 522 |
| Average equity | $172,650,333 | 575 |
| Average total loans | $1,340,125,667 | 485 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8624% | 1,282 |
| Cost of funding earning assets | 1.1730% | 841 |
| Net interest margin | 3.6894% | 2,360 |
| Noninterest income to average assets | 0.5887% | 2,088 |
| Noninterest expense to average assets | 2.1242% | 4,167 |
| Loan and lease loss provision to assets | 0.1864% | 1,607 |
| Net operating income to assets | 1.3052% | 1,235 |
| Return on assets (ROA) | 1.1961% | 1,646 |
| Pretax return on assets | 1.5516% | 1,172 |
| Return on Equity (ROE) | 12.2085% | 1,053 |
| Retained earnings to average equity (ytd only) | 12.2085% | 399 |
| Net charge-offs to loans | 0.1174% | 1,000 |
| Credit loss provision to net charge-offs | 205.6555% | 1,400 |
| Earnings coverage of net charge-offs (x) | 20.7018% | 1,406 |
| Efficiency ratio | 52.6003% | 4,503 |
| Assets per employee ($millions) | 6.3534% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,573 |
| Loan loss allowance to noncurrent loans | 111.5549% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 1,261 |
| Noncurrent loans to loans | 1.2847% | 1,273 |
| Net loans and leases to total assets | 76.7731% | 1,174 |
| Net loans and leases to deposits | 92.3077% | 1,246 |
| Net loans and leases to core deposits | 112.8827% | 716 |
| Total domestic deposits to total assets | 83.1709% | 3,054 |
| Equity capital to assets | 9.7694% | 3,982 |
| Core capital (leverage) ratio | 9.4585% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5458% | 2,913 |
| Memoranda: | ||
| Average total assets | $1,716,939,500 | 521 |
| Average earning assets | $1,587,682,000 | 515 |
| Average equity | $168,210,500 | 587 |
| Average total loans | $1,325,524,500 | 472 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 1,679 |
| Cost of funding earning assets | 1.3809% | 601 |
| Net interest margin | 3.5446% | 3,305 |
| Noninterest income to average assets | 0.6293% | 2,098 |
| Noninterest expense to average assets | 2.2702% | 4,024 |
| Loan and lease loss provision to assets | 0.2248% | 863 |
| Net operating income to assets | 1.1294% | 2,341 |
| Return on assets (ROA) | 1.1712% | 2,271 |
| Pretax return on assets | 1.4817% | 1,862 |
| Return on Equity (ROE) | 11.6446% | 1,644 |
| Retained earnings to average equity (ytd only) | -2.4426% | 4,890 |
| Net charge-offs to loans | 0.2761% | 754 |
| Credit loss provision to net charge-offs | 106.0430% | 2,341 |
| Earnings coverage of net charge-offs (x) | 7.7987% | 2,840 |
| Efficiency ratio | 57.4739% | 4,029 |
| Assets per employee ($millions) | 6.4391% | 1,324 |
| Cash dividends to net income (ytd only)* | 120.9762% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,475 |
| Loan loss allowance to noncurrent loans | 140.5043% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 1,589 |
| Noncurrent loans to loans | 1.0065% | 1,505 |
| Net loans and leases to total assets | 75.4030% | 1,525 |
| Net loans and leases to deposits | 91.6663% | 1,409 |
| Net loans and leases to core deposits | 115.2044% | 627 |
| Total domestic deposits to total assets | 82.2582% | 3,433 |
| Equity capital to assets | 9.8691% | 4,039 |
| Core capital (leverage) ratio | 8.9646% | 4,556 |
| Tier 1 risk-based capital ratio | 11.0945% | 4,819 |
| Total risk-based capital ratio | 12.3460% | 4,712 |
| Memoranda: | ||
| Average total assets | $1,623,309,200 | 523 |
| Average earning assets | $1,508,755,800 | 510 |
| Average equity | $163,269,400 | 568 |
| Average total loans | $1,246,653,800 | 482 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 1,637 |
| Cost of funding earning assets | 1.4181% | 545 |
| Net interest margin | 3.5472% | 3,416 |
| Noninterest income to average assets | 0.6582% | 1,953 |
| Noninterest expense to average assets | 2.3003% | 3,950 |
| Loan and lease loss provision to assets | 0.2282% | 746 |
| Net operating income to assets | 1.1279% | 2,461 |
| Return on assets (ROA) | 1.1591% | 2,421 |
| Pretax return on assets | 1.4681% | 2,049 |
| Return on Equity (ROE) | 11.4665% | 1,813 |
| Retained earnings to average equity (ytd only) | 0.7347% | 4,617 |
| Net charge-offs to loans | 0.1990% | 875 |
| Credit loss provision to net charge-offs | 149.2089% | 1,644 |
| Earnings coverage of net charge-offs (x) | 10.8320% | 2,475 |
| Efficiency ratio | 57.7773% | 3,970 |
| Assets per employee ($millions) | 6.3627% | 1,351 |
| Cash dividends to net income (ytd only)* | 93.5925% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,077 |
| Loan loss allowance to noncurrent loans | 145.9665% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8811% | 1,556 |
| Noncurrent loans to loans | 1.0716% | 1,485 |
| Net loans and leases to total assets | 75.9909% | 1,483 |
| Net loans and leases to deposits | 89.2893% | 1,777 |
| Net loans and leases to core deposits | 113.9961% | 753 |
| Total domestic deposits to total assets | 85.1064% | 2,387 |
| Equity capital to assets | 10.3572% | 3,671 |
| Core capital (leverage) ratio | 9.5668% | 4,096 |
| Tier 1 risk-based capital ratio | 11.6032% | 4,623 |
| Total risk-based capital ratio | 12.8563% | 4,517 |
| Memoranda: | ||
| Average total assets | $1,597,718,250 | 530 |
| Average earning assets | $1,485,935,000 | 520 |
| Average equity | $161,509,500 | 575 |
| Average total loans | $1,228,348,500 | 487 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 1,742 |
| Cost of funding earning assets | 1.3967% | 543 |
| Net interest margin | 3.5074% | 3,575 |
| Noninterest income to average assets | 0.6206% | 2,064 |
| Noninterest expense to average assets | 2.3080% | 3,983 |
| Loan and lease loss provision to assets | 0.2281% | 720 |
| Net operating income to assets | 1.0659% | 2,661 |
| Return on assets (ROA) | 1.1086% | 2,561 |
| Pretax return on assets | 1.4027% | 2,202 |
| Return on Equity (ROE) | 11.0582% | 1,951 |
| Retained earnings to average equity (ytd only) | -3.9427% | 5,013 |
| Net charge-offs to loans | 0.1636% | 977 |
| Credit loss provision to net charge-offs | 181.6367% | 1,309 |
| Earnings coverage of net charge-offs (x) | 12.5549% | 2,147 |
| Efficiency ratio | 59.0528% | 3,851 |
| Assets per employee ($millions) | 6.2839% | 1,346 |
| Cash dividends to net income (ytd only)* | 135.6545% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 1,183 |
| Loan loss allowance to noncurrent loans | 122.8553% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0282% | 1,349 |
| Noncurrent loans to loans | 1.2457% | 1,279 |
| Net loans and leases to total assets | 76.4988% | 1,472 |
| Net loans and leases to deposits | 89.0184% | 1,860 |
| Net loans and leases to core deposits | 114.5644% | 754 |
| Total domestic deposits to total assets | 85.9360% | 2,065 |
| Equity capital to assets | 9.9442% | 4,021 |
| Core capital (leverage) ratio | 9.0212% | 4,613 |
| Tier 1 risk-based capital ratio | 11.1372% | 4,853 |
| Total risk-based capital ratio | 12.3901% | 4,753 |
| Memoranda: | ||
| Average total assets | $1,595,823,000 | 528 |
| Average earning assets | $1,485,082,670 | 518 |
| Average equity | $159,990,000 | 574 |
| Average total loans | $1,225,197,330 | 487 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 1,969 |
| Cost of funding earning assets | 1.2879% | 683 |
| Net interest margin | 3.4881% | 3,624 |
| Noninterest income to average assets | 0.5902% | 2,094 |
| Noninterest expense to average assets | 2.3554% | 3,881 |
| Loan and lease loss provision to assets | 0.2287% | 673 |
| Net operating income to assets | 0.9832% | 2,911 |
| Return on assets (ROA) | 1.0539% | 2,688 |
| Pretax return on assets | 1.3406% | 2,287 |
| Return on Equity (ROE) | 10.4684% | 2,167 |
| Retained earnings to average equity (ytd only) | -9.6100% | 5,093 |
| Net charge-offs to loans | 0.1212% | 1,018 |
| Credit loss provision to net charge-offs | 247.2678% | 934 |
| Earnings coverage of net charge-offs (x) | 16.0027% | 1,719 |
| Efficiency ratio | 61.0449% | 3,676 |
| Assets per employee ($millions) | 6.3145% | 1,343 |
| Cash dividends to net income (ytd only)* | 191.8005% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 1,215 |
| Loan loss allowance to noncurrent loans | 124.8226% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 1,408 |
| Noncurrent loans to loans | 1.2330% | 1,335 |
| Net loans and leases to total assets | 74.6019% | 1,704 |
| Net loans and leases to deposits | 84.1865% | 2,368 |
| Net loans and leases to core deposits | 109.8983% | 932 |
| Total domestic deposits to total assets | 88.6150% | 1,030 |
| Equity capital to assets | 9.7777% | 4,027 |
| Core capital (leverage) ratio | 9.4920% | 4,142 |
| Tier 1 risk-based capital ratio | 11.3450% | 4,810 |
| Total risk-based capital ratio | 12.5980% | 4,718 |
| Memoranda: | ||
| Average total assets | $1,583,117,500 | 531 |
| Average earning assets | $1,472,788,500 | 524 |
| Average equity | $159,375,500 | 573 |
| Average total loans | $1,208,045,500 | 495 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7671% | 1,614 |
| Cost of funding earning assets | 0.9960% | 767 |
| Net interest margin | 3.7712% | 2,775 |
| Noninterest income to average assets | 0.6050% | 2,266 |
| Noninterest expense to average assets | 2.2917% | 4,141 |
| Loan and lease loss provision to assets | 0.2462% | 702 |
| Net operating income to assets | 1.4107% | 1,391 |
| Return on assets (ROA) | 1.3893% | 1,462 |
| Pretax return on assets | 1.5495% | 1,624 |
| Return on Equity (ROE) | 13.5272% | 1,164 |
| Retained earnings to average equity (ytd only) | 11.8616% | 328 |
| Net charge-offs to loans | 0.2671% | 722 |
| Credit loss provision to net charge-offs | 119.8003% | 2,175 |
| Earnings coverage of net charge-offs (x) | 8.8532% | 2,858 |
| Efficiency ratio | 55.3652% | 4,479 |
| Assets per employee ($millions) | 5.9973% | 1,521 |
| Cash dividends to net income (ytd only)* | 12.3129% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,112 |
| Loan loss allowance to noncurrent loans | 102.4193% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2362% | 1,042 |
| Noncurrent loans to loans | 1.5251% | 992 |
| Net loans and leases to total assets | 75.7683% | 1,652 |
| Net loans and leases to deposits | 88.2574% | 2,015 |
| Net loans and leases to core deposits | 113.5873% | 794 |
| Total domestic deposits to total assets | 85.8492% | 2,302 |
| Equity capital to assets | 10.2936% | 3,383 |
| Core capital (leverage) ratio | 9.9751% | 3,611 |
| Tier 1 risk-based capital ratio | 11.8574% | 4,530 |
| Total risk-based capital ratio | 13.1104% | 4,404 |
| Memoranda: | ||
| Average total assets | $1,462,069,800 | 556 |
| Average earning assets | $1,359,394,800 | 541 |
| Average equity | $150,157,200 | 569 |
| Average total loans | $1,124,970,000 | 507 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 1,555 |
| Cost of funding earning assets | 0.9372% | 784 |
| Net interest margin | 3.8105% | 2,609 |
| Noninterest income to average assets | 0.6125% | 2,248 |
| Noninterest expense to average assets | 2.3835% | 3,891 |
| Loan and lease loss provision to assets | 0.2611% | 589 |
| Net operating income to assets | 1.4016% | 1,486 |
| Return on assets (ROA) | 1.4085% | 1,454 |
| Pretax return on assets | 1.5194% | 1,838 |
| Return on Equity (ROE) | 13.7228% | 1,192 |
| Retained earnings to average equity (ytd only) | 11.9225% | 487 |
| Net charge-offs to loans | 0.2053% | 825 |
| Credit loss provision to net charge-offs | 165.3216% | 1,606 |
| Earnings coverage of net charge-offs (x) | 11.2281% | 2,531 |
| Efficiency ratio | 56.9651% | 4,257 |
| Assets per employee ($millions) | 5.6547% | 1,774 |
| Cash dividends to net income (ytd only)* | 13.1196% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 922 |
| Loan loss allowance to noncurrent loans | 116.8853% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.1728% | 1,202 |
| Noncurrent loans to loans | 1.4304% | 1,157 |
| Net loans and leases to total assets | 76.2192% | 1,631 |
| Net loans and leases to deposits | 87.4336% | 2,220 |
| Net loans and leases to core deposits | 111.7792% | 922 |
| Total domestic deposits to total assets | 87.1738% | 1,655 |
| Equity capital to assets | 10.3732% | 3,259 |
| Core capital (leverage) ratio | 9.7705% | 3,876 |
| Tier 1 risk-based capital ratio | 12.1894% | 4,386 |
| Total risk-based capital ratio | 13.4441% | 4,278 |
| Memoranda: | ||
| Average total assets | $1,443,762,250 | 558 |
| Average earning assets | $1,342,858,750 | 546 |
| Average equity | $148,187,250 | 575 |
| Average total loans | $1,110,780,250 | 508 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 1,574 |
| Cost of funding earning assets | 0.8776% | 803 |
| Net interest margin | 3.7961% | 2,577 |
| Noninterest income to average assets | 0.5717% | 2,465 |
| Noninterest expense to average assets | 2.3389% | 4,051 |
| Loan and lease loss provision to assets | 0.2674% | 570 |
| Net operating income to assets | 1.4966% | 1,171 |
| Return on assets (ROA) | 1.4927% | 1,175 |
| Pretax return on assets | 1.4977% | 1,820 |
| Return on Equity (ROE) | 14.5963% | 935 |
| Retained earnings to average equity (ytd only) | 12.5546% | 444 |
| Net charge-offs to loans | 0.2715% | 587 |
| Credit loss provision to net charge-offs | 128.3233% | 1,731 |
| Earnings coverage of net charge-offs (x) | 8.4896% | 2,470 |
| Efficiency ratio | 56.5533% | 4,406 |
| Assets per employee ($millions) | 5.4254% | 1,968 |
| Cash dividends to net income (ytd only)* | 13.9873% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 1,094 |
| Loan loss allowance to noncurrent loans | 100.7326% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.3103% | 1,079 |
| Noncurrent loans to loans | 1.5944% | 1,020 |
| Net loans and leases to total assets | 76.4776% | 1,564 |
| Net loans and leases to deposits | 88.3073% | 2,073 |
| Net loans and leases to core deposits | 111.9116% | 890 |
| Total domestic deposits to total assets | 86.6040% | 2,015 |
| Equity capital to assets | 10.2513% | 3,388 |
| Core capital (leverage) ratio | 8.9322% | 4,746 |
| Tier 1 risk-based capital ratio | 11.1714% | 4,959 |
| Total risk-based capital ratio | 12.4257% | 4,863 |
| Memoranda: | ||
| Average total assets | $1,436,823,000 | 558 |
| Average earning assets | $1,338,489,330 | 548 |
| Average equity | $146,941,670 | 575 |
| Average total loans | $1,102,616,330 | 510 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 1,586 |
| Cost of funding earning assets | 0.8401% | 798 |
| Net interest margin | 3.7563% | 2,589 |
| Noninterest income to average assets | 0.4942% | 2,837 |
| Noninterest expense to average assets | 2.3936% | 3,964 |
| Loan and lease loss provision to assets | 0.2870% | 467 |
| Net operating income to assets | 1.7054% | 682 |
| Return on assets (ROA) | 1.7324% | 651 |
| Pretax return on assets | 1.3427% | 2,211 |
| Return on Equity (ROE) | 16.9601% | 516 |
| Retained earnings to average equity (ytd only) | 16.9601% | 193 |
| Net charge-offs to loans | 0.3146% | 483 |
| Credit loss provision to net charge-offs | 119.6952% | 1,379 |
| Earnings coverage of net charge-offs (x) | 6.6835% | 2,142 |
| Efficiency ratio | 59.4935% | 4,129 |
| Assets per employee ($millions) | 5.3975% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,060 |
| Loan loss allowance to noncurrent loans | 105.9961% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.2386% | 1,215 |
| Noncurrent loans to loans | 1.5533% | 1,128 |
| Net loans and leases to total assets | 73.6372% | 1,919 |
| Net loans and leases to deposits | 82.8549% | 2,513 |
| Net loans and leases to core deposits | 109.7150% | 1,021 |
| Total domestic deposits to total assets | 88.8749% | 1,164 |
| Equity capital to assets | 10.0510% | 3,544 |
| Core capital (leverage) ratio | 9.1545% | 4,500 |
| Tier 1 risk-based capital ratio | 11.4016% | 4,920 |
| Total risk-based capital ratio | 12.6558% | 4,816 |
| Memoranda: | ||
| Average total assets | $1,422,803,500 | 565 |
| Average earning assets | $1,326,505,500 | 557 |
| Average equity | $145,329,000 | 585 |
| Average total loans | $1,084,635,000 | 521 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 1,233 |
| Cost of funding earning assets | 0.7013% | 1,009 |
| Net interest margin | 3.9847% | 1,794 |
| Noninterest income to average assets | 0.4248% | 3,475 |
| Noninterest expense to average assets | 2.4444% | 3,954 |
| Loan and lease loss provision to assets | 0.2667% | 674 |
| Net operating income to assets | 1.4016% | 1,013 |
| Return on assets (ROA) | 1.4468% | 930 |
| Pretax return on assets | 1.4468% | 1,829 |
| Return on Equity (ROE) | 13.7159% | 807 |
| Retained earnings to average equity (ytd only) | 5.0074% | 2,124 |
| Net charge-offs to loans | 0.3025% | 860 |
| Credit loss provision to net charge-offs | 114.5402% | 2,287 |
| Earnings coverage of net charge-offs (x) | 7.1654% | 3,080 |
| Efficiency ratio | 59.0007% | 4,415 |
| Assets per employee ($millions) | 5.2184% | 2,237 |
| Cash dividends to net income (ytd only)* | 63.4921% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 1,009 |
| Loan loss allowance to noncurrent loans | 117.5816% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.2381% | 1,179 |
| Noncurrent loans to loans | 1.4144% | 1,213 |
| Net loans and leases to total assets | 76.3815% | 1,526 |
| Net loans and leases to deposits | 86.2833% | 2,221 |
| Net loans and leases to core deposits | 110.1399% | 991 |
| Total domestic deposits to total assets | 88.5240% | 1,240 |
| Equity capital to assets | 10.3869% | 3,282 |
| Core capital (leverage) ratio | 9.4037% | 4,153 |
| Tier 1 risk-based capital ratio | 11.5736% | 4,806 |
| Total risk-based capital ratio | 12.8539% | 4,676 |
| Memoranda: | ||
| Average total assets | $1,349,918,600 | 572 |
| Average earning assets | $1,249,346,000 | 562 |
| Average equity | $142,389,600 | 570 |
| Average total loans | $1,039,121,000 | 522 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 1,248 |
| Cost of funding earning assets | 0.6752% | 1,094 |
| Net interest margin | 3.9736% | 1,791 |
| Noninterest income to average assets | 0.6787% | 2,091 |
| Noninterest expense to average assets | 2.4800% | 3,800 |
| Loan and lease loss provision to assets | 0.2683% | 617 |
| Net operating income to assets | 1.6019% | 715 |
| Return on assets (ROA) | 1.6611% | 646 |
| Pretax return on assets | 1.6611% | 1,212 |
| Return on Equity (ROE) | 15.6859% | 562 |
| Retained earnings to average equity (ytd only) | 8.7415% | 932 |
| Net charge-offs to loans | 0.2532% | 858 |
| Credit loss provision to net charge-offs | 137.9663% | 1,792 |
| Earnings coverage of net charge-offs (x) | 9.6168% | 2,673 |
| Efficiency ratio | 56.5858% | 4,664 |
| Assets per employee ($millions) | 5.2344% | 2,192 |
| Cash dividends to net income (ytd only)* | 44.2716% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 962 |
| Loan loss allowance to noncurrent loans | 108.5142% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 1,074 |
| Noncurrent loans to loans | 1.6035% | 1,144 |
| Net loans and leases to total assets | 76.4831% | 1,502 |
| Net loans and leases to deposits | 88.8720% | 1,944 |
| Net loans and leases to core deposits | 112.6497% | 901 |
| Total domestic deposits to total assets | 86.0599% | 2,287 |
| Equity capital to assets | 11.0057% | 2,855 |
| Core capital (leverage) ratio | 9.5491% | 4,097 |
| Tier 1 risk-based capital ratio | 12.0403% | 4,578 |
| Total risk-based capital ratio | 13.3206% | 4,456 |
| Memoranda: | ||
| Average total assets | $1,341,678,000 | 574 |
| Average earning assets | $1,239,682,500 | 566 |
| Average equity | $142,077,250 | 575 |
| Average total loans | $1,030,369,250 | 527 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 1,098 |
| Cost of funding earning assets | 0.6417% | 1,200 |
| Net interest margin | 4.0355% | 1,497 |
| Noninterest income to average assets | 0.6860% | 2,054 |
| Noninterest expense to average assets | 2.5341% | 3,632 |
| Loan and lease loss provision to assets | 0.2674% | 603 |
| Net operating income to assets | 1.6143% | 674 |
| Return on assets (ROA) | 1.6581% | 636 |
| Pretax return on assets | 1.6581% | 1,165 |
| Return on Equity (ROE) | 15.8380% | 554 |
| Retained earnings to average equity (ytd only) | 9.1499% | 794 |
| Net charge-offs to loans | 0.2547% | 802 |
| Credit loss provision to net charge-offs | 137.3374% | 1,619 |
| Earnings coverage of net charge-offs (x) | 9.6641% | 2,412 |
| Efficiency ratio | 56.9751% | 4,712 |
| Assets per employee ($millions) | 5.2388% | 2,120 |
| Cash dividends to net income (ytd only)* | 42.2282% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 980 |
| Loan loss allowance to noncurrent loans | 114.5509% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.3288% | 1,221 |
| Noncurrent loans to loans | 1.5291% | 1,226 |
| Net loans and leases to total assets | 73.9719% | 1,871 |
| Net loans and leases to deposits | 85.7704% | 2,246 |
| Net loans and leases to core deposits | 109.7734% | 1,014 |
| Total domestic deposits to total assets | 86.2441% | 2,274 |
| Equity capital to assets | 10.6966% | 3,136 |
| Core capital (leverage) ratio | 9.2790% | 4,385 |
| Tier 1 risk-based capital ratio | 11.8771% | 4,713 |
| Total risk-based capital ratio | 13.1536% | 4,595 |
| Memoranda: | ||
| Average total assets | $1,342,503,330 | 578 |
| Average earning assets | $1,240,791,000 | 569 |
| Average equity | $140,547,670 | 582 |
| Average total loans | $1,026,418,670 | 527 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 656 |
| Cost of funding earning assets | 0.6165% | 1,260 |
| Net interest margin | 4.2603% | 869 |
| Noninterest income to average assets | 0.6956% | 1,992 |
| Noninterest expense to average assets | 2.6142% | 3,444 |
| Loan and lease loss provision to assets | 0.2684% | 544 |
| Net operating income to assets | 1.7503% | 497 |
| Return on assets (ROA) | 1.7503% | 505 |
| Pretax return on assets | 1.7503% | 903 |
| Return on Equity (ROE) | 16.9053% | 424 |
| Retained earnings to average equity (ytd only) | 16.9053% | 170 |
| Net charge-offs to loans | 0.0630% | 1,701 |
| Credit loss provision to net charge-offs | 553.0864% | 540 |
| Earnings coverage of net charge-offs (x) | 41.5988% | 1,011 |
| Efficiency ratio | 56.0261% | 4,937 |
| Assets per employee ($millions) | 5.2464% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 979 |
| Loan loss allowance to noncurrent loans | 96.8035% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.5363% | 1,030 |
| Noncurrent loans to loans | 1.8452% | 1,004 |
| Net loans and leases to total assets | 73.6877% | 1,792 |
| Net loans and leases to deposits | 83.2055% | 2,370 |
| Net loans and leases to core deposits | 104.6242% | 1,185 |
| Total domestic deposits to total assets | 88.5612% | 1,391 |
| Equity capital to assets | 10.4723% | 3,210 |
| Core capital (leverage) ratio | 9.5318% | 4,080 |
| Tier 1 risk-based capital ratio | 11.8950% | 4,782 |
| Total risk-based capital ratio | 13.1707% | 4,671 |
| Memoranda: | ||
| Average total assets | $1,335,324,000 | 580 |
| Average earning assets | $1,234,096,500 | 572 |
| Average equity | $138,252,500 | 583 |
| Average total loans | $1,028,832,500 | 521 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 864 |
| Cost of funding earning assets | 0.6151% | 1,236 |
| Net interest margin | 4.2007% | 1,113 |
| Noninterest income to average assets | 0.6076% | 2,621 |
| Noninterest expense to average assets | 2.5710% | 3,772 |
| Loan and lease loss provision to assets | 0.3217% | 564 |
| Net operating income to assets | 1.5952% | 686 |
| Return on assets (ROA) | 1.6194% | 675 |
| Pretax return on assets | 1.6194% | 1,220 |
| Return on Equity (ROE) | 15.5319% | 558 |
| Retained earnings to average equity (ytd only) | 1.6136% | 4,611 |
| Net charge-offs to loans | 0.3157% | 869 |
| Credit loss provision to net charge-offs | 128.3993% | 2,086 |
| Earnings coverage of net charge-offs (x) | 7.6508% | 2,983 |
| Efficiency ratio | 56.8077% | 4,973 |
| Assets per employee ($millions) | 5.1448% | 2,236 |
| Cash dividends to net income (ytd only)* | 89.6108% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 1,201 |
| Loan loss allowance to noncurrent loans | 97.7152% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.5008% | 1,107 |
| Noncurrent loans to loans | 1.7093% | 1,130 |
| Net loans and leases to total assets | 77.8013% | 1,225 |
| Net loans and leases to deposits | 87.4936% | 1,987 |
| Net loans and leases to core deposits | 111.4548% | 810 |
| Total domestic deposits to total assets | 88.9223% | 1,153 |
| Equity capital to assets | 10.2313% | 3,464 |
| Core capital (leverage) ratio | 9.2494% | 4,408 |
| Tier 1 risk-based capital ratio | 10.8608% | 5,409 |
| Total risk-based capital ratio | 12.1302% | 5,295 |
| Memoranda: | ||
| Average total assets | $1,291,559,400 | 573 |
| Average earning assets | $1,193,061,800 | 564 |
| Average equity | $134,664,800 | 587 |
| Average total loans | $1,025,074,000 | 501 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 831 |
| Cost of funding earning assets | 0.6125% | 1,251 |
| Net interest margin | 4.2262% | 1,065 |
| Noninterest income to average assets | 0.5787% | 2,772 |
| Noninterest expense to average assets | 2.6568% | 3,474 |
| Loan and lease loss provision to assets | 0.1613% | 1,435 |
| Net operating income to assets | 1.6662% | 640 |
| Return on assets (ROA) | 1.6974% | 632 |
| Pretax return on assets | 1.6974% | 1,123 |
| Return on Equity (ROE) | 16.2015% | 524 |
| Retained earnings to average equity (ytd only) | 2.9876% | 4,125 |
| Net charge-offs to loans | 0.2676% | 863 |
| Credit loss provision to net charge-offs | 75.8907% | 2,715 |
| Earnings coverage of net charge-offs (x) | 8.5974% | 2,748 |
| Efficiency ratio | 58.7461% | 4,717 |
| Assets per employee ($millions) | 4.8781% | 2,526 |
| Cash dividends to net income (ytd only)* | 81.5598% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,684 |
| Loan loss allowance to noncurrent loans | 77.0376% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.7075% | 996 |
| Noncurrent loans to loans | 1.9759% | 1,005 |
| Net loans and leases to total assets | 79.4409% | 977 |
| Net loans and leases to deposits | 91.3291% | 1,595 |
| Net loans and leases to core deposits | 115.0666% | 689 |
| Total domestic deposits to total assets | 86.9831% | 1,907 |
| Equity capital to assets | 10.5813% | 3,475 |
| Core capital (leverage) ratio | 9.1001% | 4,716 |
| Tier 1 risk-based capital ratio | 10.6389% | 5,556 |
| Total risk-based capital ratio | 11.9050% | 5,461 |
| Memoranda: | ||
| Average total assets | $1,285,180,750 | 574 |
| Average earning assets | $1,187,716,750 | 564 |
| Average equity | $134,642,500 | 589 |
| Average total loans | $1,020,815,750 | 503 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8392% | 815 |
| Cost of funding earning assets | 0.6102% | 1,246 |
| Net interest margin | 4.2290% | 1,060 |
| Noninterest income to average assets | 0.5804% | 2,719 |
| Noninterest expense to average assets | 2.6909% | 3,420 |
| Loan and lease loss provision to assets | 0.1024% | 2,139 |
| Net operating income to assets | 1.6908% | 590 |
| Return on assets (ROA) | 1.7339% | 573 |
| Pretax return on assets | 1.7339% | 1,015 |
| Return on Equity (ROE) | 16.6067% | 471 |
| Retained earnings to average equity (ytd only) | 0.6707% | 5,104 |
| Net charge-offs to loans | 0.3526% | 665 |
| Credit loss provision to net charge-offs | 36.7565% | 2,803 |
| Earnings coverage of net charge-offs (x) | 6.4371% | 2,741 |
| Efficiency ratio | 59.5085% | 4,710 |
| Assets per employee ($millions) | 4.7999% | 2,560 |
| Cash dividends to net income (ytd only)* | 95.9611% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 1,909 |
| Loan loss allowance to noncurrent loans | 84.5163% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.5458% | 1,223 |
| Noncurrent loans to loans | 1.7599% | 1,192 |
| Net loans and leases to total assets | 79.0845% | 1,052 |
| Net loans and leases to deposits | 90.0085% | 1,754 |
| Net loans and leases to core deposits | 113.3103% | 758 |
| Total domestic deposits to total assets | 87.8633% | 1,498 |
| Equity capital to assets | 10.5013% | 3,631 |
| Core capital (leverage) ratio | 9.0256% | 4,797 |
| Tier 1 risk-based capital ratio | 10.7959% | 5,528 |
| Total risk-based capital ratio | 12.0564% | 5,446 |
| Memoranda: | ||
| Average total assets | $1,279,427,670 | 576 |
| Average earning assets | $1,180,978,330 | 566 |
| Average equity | $133,585,000 | 598 |
| Average total loans | $1,010,866,670 | 507 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7818% | 890 |
| Cost of funding earning assets | 0.6107% | 1,266 |
| Net interest margin | 4.1711% | 1,166 |
| Noninterest income to average assets | 0.5126% | 3,036 |
| Noninterest expense to average assets | 2.6825% | 3,482 |
| Loan and lease loss provision to assets | 0.1035% | 1,982 |
| Net operating income to assets | 1.5825% | 725 |
| Return on assets (ROA) | 1.6624% | 658 |
| Pretax return on assets | 1.6624% | 1,148 |
| Return on Equity (ROE) | 15.9687% | 541 |
| Retained earnings to average equity (ytd only) | 0.1777% | 5,068 |
| Net charge-offs to loans | 0.1036% | 1,507 |
| Credit loss provision to net charge-offs | 127.4131% | 1,375 |
| Earnings coverage of net charge-offs (x) | 20.7645% | 1,453 |
| Efficiency ratio | 60.8898% | 4,617 |
| Assets per employee ($millions) | 4.8069% | 2,577 |
| Cash dividends to net income (ytd only)* | 98.8874% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 1,501 |
| Loan loss allowance to noncurrent loans | 83.9613% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.8093% | 1,026 |
| Noncurrent loans to loans | 1.9553% | 1,106 |
| Net loans and leases to total assets | 78.4703% | 1,030 |
| Net loans and leases to deposits | 88.5251% | 1,763 |
| Net loans and leases to core deposits | 111.9319% | 754 |
| Total domestic deposits to total assets | 88.6420% | 1,285 |
| Equity capital to assets | 10.5489% | 3,431 |
| Core capital (leverage) ratio | 8.9476% | 4,919 |
| Tier 1 risk-based capital ratio | 10.8104% | 5,592 |
| Total risk-based capital ratio | 12.0714% | 5,504 |
| Memoranda: | ||
| Average total assets | $1,275,957,000 | 574 |
| Average earning assets | $1,179,558,500 | 568 |
| Average equity | $132,835,000 | 596 |
| Average total loans | $999,961,000 | 506 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9850% | 645 |
| Cost of funding earning assets | 0.5774% | 1,523 |
| Net interest margin | 4.4076% | 784 |
| Noninterest income to average assets | 0.5948% | 2,740 |
| Noninterest expense to average assets | 2.5816% | 3,984 |
| Loan and lease loss provision to assets | 0.5135% | 220 |
| Net operating income to assets | 1.5565% | 771 |
| Return on assets (ROA) | 1.5586% | 795 |
| Pretax return on assets | 1.5586% | 1,380 |
| Return on Equity (ROE) | 15.2880% | 645 |
| Retained earnings to average equity (ytd only) | 6.3996% | 1,602 |
| Net charge-offs to loans | 0.3975% | 724 |
| Credit loss provision to net charge-offs | 169.1231% | 1,596 |
| Earnings coverage of net charge-offs (x) | 6.8177% | 3,168 |
| Efficiency ratio | 54.9393% | 5,448 |
| Assets per employee ($millions) | 4.9149% | 2,456 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 1,445 |
| Loan loss allowance to noncurrent loans | 95.4054% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.7433% | 1,094 |
| Noncurrent loans to loans | 1.7432% | 1,289 |
| Net loans and leases to total assets | 75.7043% | 1,462 |
| Net loans and leases to deposits | 85.5368% | 2,183 |
| Net loans and leases to core deposits | 105.9031% | 1,103 |
| Total domestic deposits to total assets | 88.5049% | 1,382 |
| Equity capital to assets | 10.2748% | 3,652 |
| Core capital (leverage) ratio | 9.0750% | 4,790 |
| Tier 1 risk-based capital ratio | 10.9485% | 5,548 |
| Total risk-based capital ratio | 12.2113% | 5,444 |
| Memoranda: | ||
| Average total assets | $1,246,987,600 | 568 |
| Average earning assets | $1,147,732,800 | 560 |
| Average equity | $127,132,800 | 596 |
| Average total loans | $952,432,600 | 507 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 608 |
| Cost of funding earning assets | 0.5761% | 1,573 |
| Net interest margin | 4.4328% | 747 |
| Noninterest income to average assets | 0.5821% | 2,836 |
| Noninterest expense to average assets | 2.5930% | 3,908 |
| Loan and lease loss provision to assets | 0.4133% | 284 |
| Net operating income to assets | 1.6501% | 690 |
| Return on assets (ROA) | 1.6535% | 707 |
| Pretax return on assets | 1.6535% | 1,227 |
| Return on Equity (ROE) | 16.2511% | 556 |
| Retained earnings to average equity (ytd only) | 4.2784% | 3,421 |
| Net charge-offs to loans | 0.4513% | 560 |
| Credit loss provision to net charge-offs | 120.1504% | 1,981 |
| Earnings coverage of net charge-offs (x) | 5.9984% | 3,121 |
| Efficiency ratio | 55.1026% | 5,439 |
| Assets per employee ($millions) | 4.8033% | 2,557 |
| Cash dividends to net income (ytd only)* | 73.6732% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 2,096 |
| Loan loss allowance to noncurrent loans | 82.1847% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.7951% | 1,197 |
| Noncurrent loans to loans | 1.8423% | 1,273 |
| Net loans and leases to total assets | 75.0157% | 1,543 |
| Net loans and leases to deposits | 84.2855% | 2,375 |
| Net loans and leases to core deposits | 107.4703% | 1,005 |
| Total domestic deposits to total assets | 89.0019% | 1,026 |
| Equity capital to assets | 10.1754% | 3,966 |
| Core capital (leverage) ratio | 9.0148% | 4,978 |
| Tier 1 risk-based capital ratio | 10.9241% | 5,689 |
| Total risk-based capital ratio | 12.1851% | 5,599 |
| Memoranda: | ||
| Average total assets | $1,236,809,500 | 573 |
| Average earning assets | $1,136,772,500 | 568 |
| Average equity | $125,838,750 | 607 |
| Average total loans | $942,708,000 | 512 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0216% | 572 |
| Cost of funding earning assets | 0.5848% | 1,528 |
| Net interest margin | 4.4368% | 713 |
| Noninterest income to average assets | 0.5750% | 2,879 |
| Noninterest expense to average assets | 2.6757% | 3,670 |
| Loan and lease loss provision to assets | 0.4088% | 275 |
| Net operating income to assets | 1.5664% | 800 |
| Return on assets (ROA) | 1.5690% | 827 |
| Pretax return on assets | 1.5690% | 1,429 |
| Return on Equity (ROE) | 15.4212% | 674 |
| Retained earnings to average equity (ytd only) | 1.6723% | 4,857 |
| Net charge-offs to loans | 0.4849% | 517 |
| Credit loss provision to net charge-offs | 110.5587% | 1,917 |
| Earnings coverage of net charge-offs (x) | 5.3423% | 2,931 |
| Efficiency ratio | 56.9440% | 5,345 |
| Assets per employee ($millions) | 4.7426% | 2,615 |
| Cash dividends to net income (ytd only)* | 89.1561% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 2,296 |
| Loan loss allowance to noncurrent loans | 89.8612% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.7122% | 1,385 |
| Noncurrent loans to loans | 1.6693% | 1,561 |
| Net loans and leases to total assets | 76.0157% | 1,366 |
| Net loans and leases to deposits | 85.3199% | 2,130 |
| Net loans and leases to core deposits | 105.8636% | 1,073 |
| Total domestic deposits to total assets | 89.0949% | 1,104 |
| Equity capital to assets | 10.1353% | 3,888 |
| Core capital (leverage) ratio | 8.7033% | 5,319 |
| Tier 1 risk-based capital ratio | 10.7189% | 5,836 |
| Total risk-based capital ratio | 11.9870% | 5,764 |
| Memoranda: | ||
| Average total assets | $1,229,593,330 | 578 |
| Average earning assets | $1,129,562,330 | 571 |
| Average equity | $125,100,670 | 613 |
| Average total loans | $937,426,000 | 503 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 706 |
| Cost of funding earning assets | 0.5872% | 1,522 |
| Net interest margin | 4.3088% | 859 |
| Noninterest income to average assets | 0.5105% | 3,220 |
| Noninterest expense to average assets | 2.5892% | 3,981 |
| Loan and lease loss provision to assets | 0.4016% | 290 |
| Net operating income to assets | 1.4789% | 881 |
| Return on assets (ROA) | 1.4821% | 931 |
| Pretax return on assets | 1.4821% | 1,622 |
| Return on Equity (ROE) | 14.5404% | 782 |
| Retained earnings to average equity (ytd only) | 3.7368% | 3,770 |
| Net charge-offs to loans | -0.1081% | 5,882 |
| Credit loss provision to net charge-offs | -490.1186% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3188% | 5,409 |
| Assets per employee ($millions) | 4.6236% | 2,870 |
| Cash dividends to net income (ytd only)* | 74.3007% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 1,954 |
| Loan loss allowance to noncurrent loans | 100.9528% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.6361% | 1,555 |
| Noncurrent loans to loans | 1.6104% | 1,732 |
| Net loans and leases to total assets | 75.0228% | 1,350 |
| Net loans and leases to deposits | 84.3020% | 2,030 |
| Net loans and leases to core deposits | 104.5769% | 1,029 |
| Total domestic deposits to total assets | 88.9929% | 1,276 |
| Equity capital to assets | 10.2405% | 3,841 |
| Core capital (leverage) ratio | 8.6690% | 5,354 |
| Tier 1 risk-based capital ratio | 10.8401% | 5,883 |
| Total risk-based capital ratio | 12.1097% | 5,801 |
| Memoranda: | ||
| Average total assets | $1,234,964,500 | 569 |
| Average earning assets | $1,134,800,000 | 565 |
| Average equity | $125,884,000 | 610 |
| Average total loans | $935,825,000 | 502 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8910% | 940 |
| Cost of funding earning assets | 0.6258% | 1,570 |
| Net interest margin | 4.2653% | 1,126 |
| Noninterest income to average assets | 0.6042% | 2,831 |
| Noninterest expense to average assets | 2.2138% | 5,320 |
| Loan and lease loss provision to assets | 0.4263% | 404 |
| Net operating income to assets | 1.9110% | 386 |
| Return on assets (ROA) | 1.9370% | 379 |
| Pretax return on assets | 1.9370% | 582 |
| Return on Equity (ROE) | 17.8703% | 409 |
| Retained earnings to average equity (ytd only) | -10.1620% | 6,320 |
| Net charge-offs to loans | 0.2577% | 1,669 |
| Credit loss provision to net charge-offs | 222.5573% | 1,126 |
| Earnings coverage of net charge-offs (x) | 12.2021% | 2,406 |
| Efficiency ratio | 48.6432% | 6,158 |
| Assets per employee ($millions) | 5.1546% | 2,118 |
| Cash dividends to net income (ytd only)* | 156.8651% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 1,101 |
| Loan loss allowance to noncurrent loans | 103.3992% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.9806% | 1,291 |
| Noncurrent loans to loans | 1.9417% | 1,445 |
| Net loans and leases to total assets | 74.2994% | 1,537 |
| Net loans and leases to deposits | 82.8524% | 2,357 |
| Net loans and leases to core deposits | 110.4739% | 754 |
| Total domestic deposits to total assets | 89.6769% | 883 |
| Equity capital to assets | 9.4226% | 4,815 |
| Core capital (leverage) ratio | 8.1285% | 5,906 |
| Tier 1 risk-based capital ratio | 10.7598% | 6,008 |
| Total risk-based capital ratio | 12.0405% | 5,934 |
| Memoranda: | ||
| Average total assets | $865,583,600 | 776 |
| Average earning assets | $800,957,400 | 759 |
| Average equity | $93,820,400 | 783 |
| Average total loans | $643,494,800 | 677 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 911 |
| Cost of funding earning assets | 0.6238% | 1,650 |
| Net interest margin | 4.2855% | 1,079 |
| Noninterest income to average assets | 0.6325% | 2,673 |
| Noninterest expense to average assets | 2.2573% | 5,208 |
| Loan and lease loss provision to assets | 0.3829% | 451 |
| Net operating income to assets | 1.9574% | 374 |
| Return on assets (ROA) | 1.9319% | 405 |
| Pretax return on assets | 1.9319% | 664 |
| Return on Equity (ROE) | 17.2264% | 526 |
| Retained earnings to average equity (ytd only) | 9.3021% | 895 |
| Net charge-offs to loans | 0.2812% | 1,401 |
| Credit loss provision to net charge-offs | 184.1079% | 1,359 |
| Earnings coverage of net charge-offs (x) | 11.2526% | 2,446 |
| Efficiency ratio | 49.0963% | 6,147 |
| Assets per employee ($millions) | 4.9105% | 2,366 |
| Cash dividends to net income (ytd only)* | 46.0011% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 1,359 |
| Loan loss allowance to noncurrent loans | 176.8334% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 1.3563% | 2,277 |
| Noncurrent loans to loans | 1.1015% | 2,862 |
| Net loans and leases to total assets | 73.4652% | 1,602 |
| Net loans and leases to deposits | 86.9668% | 1,794 |
| Net loans and leases to core deposits | 116.5963% | 483 |
| Total domestic deposits to total assets | 84.4750% | 3,557 |
| Equity capital to assets | 11.3984% | 2,588 |
| Core capital (leverage) ratio | 10.1863% | 3,427 |
| Tier 1 risk-based capital ratio | 13.6598% | 4,440 |
| Total risk-based capital ratio | 14.9402% | 4,361 |
| Memoranda: | ||
| Average total assets | $855,177,000 | 789 |
| Average earning assets | $791,232,500 | 773 |
| Average equity | $95,904,750 | 763 |
| Average total loans | $632,403,000 | 686 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 963 |
| Cost of funding earning assets | 0.6233% | 1,702 |
| Net interest margin | 4.2442% | 1,146 |
| Noninterest income to average assets | 0.6398% | 2,603 |
| Noninterest expense to average assets | 2.2713% | 5,227 |
| Loan and lease loss provision to assets | 0.2928% | 675 |
| Net operating income to assets | 2.0002% | 338 |
| Return on assets (ROA) | 2.0012% | 346 |
| Pretax return on assets | 2.0012% | 552 |
| Return on Equity (ROE) | 17.9468% | 464 |
| Retained earnings to average equity (ytd only) | 9.8866% | 742 |
| Net charge-offs to loans | 0.1706% | 2,030 |
| Credit loss provision to net charge-offs | 233.1450% | 1,037 |
| Earnings coverage of net charge-offs (x) | 18.2580% | 1,695 |
| Efficiency ratio | 49.7616% | 6,180 |
| Assets per employee ($millions) | 4.9694% | 2,250 |
| Cash dividends to net income (ytd only)* | 44.9119% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 1,465 |
| Loan loss allowance to noncurrent loans | 141.5052% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.3827% | 2,362 |
| Noncurrent loans to loans | 1.3762% | 2,511 |
| Net loans and leases to total assets | 71.0677% | 1,909 |
| Net loans and leases to deposits | 80.8514% | 2,403 |
| Net loans and leases to core deposits | 110.8055% | 660 |
| Total domestic deposits to total assets | 87.8992% | 1,966 |
| Equity capital to assets | 11.0751% | 2,808 |
| Core capital (leverage) ratio | 10.1059% | 3,464 |
| Tier 1 risk-based capital ratio | 13.6064% | 4,521 |
| Total risk-based capital ratio | 14.8896% | 4,441 |
| Memoranda: | ||
| Average total assets | $845,605,000 | 796 |
| Average earning assets | $781,914,000 | 788 |
| Average equity | $94,289,670 | 771 |
| Average total loans | $622,452,670 | 692 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 929 |
| Cost of funding earning assets | 0.6243% | 1,779 |
| Net interest margin | 4.2346% | 1,130 |
| Noninterest income to average assets | 0.6812% | 2,279 |
| Noninterest expense to average assets | 2.2733% | 5,266 |
| Loan and lease loss provision to assets | 0.2997% | 646 |
| Net operating income to assets | 2.0229% | 330 |
| Return on assets (ROA) | 1.9978% | 357 |
| Pretax return on assets | 1.9978% | 535 |
| Return on Equity (ROE) | 17.8515% | 449 |
| Retained earnings to average equity (ytd only) | 17.8515% | 186 |
| Net charge-offs to loans | -0.0248% | 5,458 |
| Credit loss provision to net charge-offs | -1,628.9474% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4627% | 6,289 |
| Assets per employee ($millions) | 4.7183% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 1,523 |
| Loan loss allowance to noncurrent loans | 120.8690% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 1.6639% | 2,123 |
| Noncurrent loans to loans | 1.6524% | 2,351 |
| Net loans and leases to total assets | 72.6506% | 1,470 |
| Net loans and leases to deposits | 83.1359% | 1,930 |
| Net loans and leases to core deposits | 108.0454% | 672 |
| Total domestic deposits to total assets | 87.3878% | 2,574 |
| Equity capital to assets | 11.3939% | 2,339 |
| Core capital (leverage) ratio | 10.5829% | 2,832 |
| Tier 1 risk-based capital ratio | 14.0833% | 4,273 |
| Total risk-based capital ratio | 15.3641% | 4,202 |
| Memoranda: | ||
| Average total assets | $826,128,500 | 827 |
| Average earning assets | $763,711,000 | 811 |
| Average equity | $92,451,500 | 789 |
| Average total loans | $613,119,000 | 706 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0971% | 763 |
| Cost of funding earning assets | 0.6468% | 2,229 |
| Net interest margin | 4.4503% | 822 |
| Noninterest income to average assets | 0.5617% | 3,321 |
| Noninterest expense to average assets | 2.2451% | 5,516 |
| Loan and lease loss provision to assets | 0.3119% | 1,067 |
| Net operating income to assets | 2.1232% | 282 |
| Return on assets (ROA) | 2.0897% | 294 |
| Pretax return on assets | 2.0897% | 395 |
| Return on Equity (ROE) | 18.9282% | 344 |
| Retained earnings to average equity (ytd only) | 11.2263% | 391 |
| Net charge-offs to loans | 0.5644% | 1,164 |
| Credit loss provision to net charge-offs | 74.6885% | 3,180 |
| Earnings coverage of net charge-offs (x) | 5.8304% | 3,198 |
| Efficiency ratio | 47.3630% | 6,509 |
| Assets per employee ($millions) | 4.6423% | 2,666 |
| Cash dividends to net income (ytd only)* | 40.6899% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9511% | 1,671 |
| Loan loss allowance to noncurrent loans | 139.9145% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.5204% | 2,444 |
| Noncurrent loans to loans | 1.3945% | 2,802 |
| Net loans and leases to total assets | 72.8537% | 1,542 |
| Net loans and leases to deposits | 83.5716% | 1,984 |
| Net loans and leases to core deposits | 108.5903% | 667 |
| Total domestic deposits to total assets | 87.1753% | 2,636 |
| Equity capital to assets | 10.9811% | 2,628 |
| Core capital (leverage) ratio | 10.2322% | 3,247 |
| Tier 1 risk-based capital ratio | 13.7274% | 4,503 |
| Total risk-based capital ratio | 15.0068% | 4,426 |
| Memoranda: | ||
| Average total assets | $787,976,600 | 846 |
| Average earning assets | $729,235,000 | 836 |
| Average equity | $86,992,000 | 813 |
| Average total loans | $583,092,400 | 718 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 777 |
| Cost of funding earning assets | 0.6460% | 2,400 |
| Net interest margin | 4.4485% | 811 |
| Noninterest income to average assets | 0.5609% | 3,386 |
| Noninterest expense to average assets | 2.2404% | 5,506 |
| Loan and lease loss provision to assets | 0.3136% | 1,077 |
| Net operating income to assets | 2.1253% | 293 |
| Return on assets (ROA) | 2.1485% | 293 |
| Pretax return on assets | 2.1485% | 433 |
| Return on Equity (ROE) | 19.4340% | 342 |
| Retained earnings to average equity (ytd only) | 12.0300% | 419 |
| Net charge-offs to loans | 0.5922% | 1,059 |
| Credit loss provision to net charge-offs | 71.6400% | 3,037 |
| Earnings coverage of net charge-offs (x) | 5.5715% | 3,160 |
| Efficiency ratio | 47.2522% | 6,537 |
| Assets per employee ($millions) | 4.6975% | 2,584 |
| Cash dividends to net income (ytd only)* | 38.0983% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0044% | 1,711 |
| Loan loss allowance to noncurrent loans | 145.4468% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5165% | 2,658 |
| Noncurrent loans to loans | 1.3781% | 3,109 |
| Net loans and leases to total assets | 71.4893% | 1,682 |
| Net loans and leases to deposits | 81.9989% | 2,135 |
| Net loans and leases to core deposits | 108.4212% | 650 |
| Total domestic deposits to total assets | 87.1832% | 2,579 |
| Equity capital to assets | 10.7968% | 2,957 |
| Core capital (leverage) ratio | 10.3520% | 3,165 |
| Tier 1 risk-based capital ratio | 13.5120% | 4,750 |
| Total risk-based capital ratio | 14.7854% | 4,689 |
| Memoranda: | ||
| Average total assets | $781,869,250 | 861 |
| Average earning assets | $723,852,000 | 846 |
| Average equity | $86,437,250 | 822 |
| Average total loans | $577,954,000 | 722 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 704 |
| Cost of funding earning assets | 0.6510% | 2,481 |
| Net interest margin | 4.4929% | 716 |
| Noninterest income to average assets | 0.5503% | 3,498 |
| Noninterest expense to average assets | 2.2260% | 5,565 |
| Loan and lease loss provision to assets | 0.3180% | 1,107 |
| Net operating income to assets | 2.1708% | 276 |
| Return on assets (ROA) | 2.1887% | 283 |
| Pretax return on assets | 2.1887% | 426 |
| Return on Equity (ROE) | 19.6368% | 335 |
| Retained earnings to average equity (ytd only) | 11.4974% | 568 |
| Net charge-offs to loans | 0.3229% | 1,891 |
| Credit loss provision to net charge-offs | 132.6486% | 1,715 |
| Earnings coverage of net charge-offs (x) | 10.3805% | 2,158 |
| Efficiency ratio | 46.5585% | 6,608 |
| Assets per employee ($millions) | 4.4759% | 2,849 |
| Cash dividends to net income (ytd only)* | 41.4495% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2480% | 1,340 |
| Loan loss allowance to noncurrent loans | 160.9899% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 2,657 |
| Noncurrent loans to loans | 1.3964% | 3,205 |
| Net loans and leases to total assets | 73.3627% | 1,347 |
| Net loans and leases to deposits | 83.6437% | 1,849 |
| Net loans and leases to core deposits | 111.5232% | 500 |
| Total domestic deposits to total assets | 87.7086% | 2,439 |
| Equity capital to assets | 11.2028% | 2,552 |
| Core capital (leverage) ratio | 10.1530% | 3,293 |
| Tier 1 risk-based capital ratio | 13.7083% | 4,638 |
| Total risk-based capital ratio | 14.9806% | 4,587 |
| Memoranda: | ||
| Average total assets | $771,600,330 | 873 |
| Average earning assets | $715,215,330 | 855 |
| Average equity | $86,002,000 | 826 |
| Average total loans | $572,985,670 | 728 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0706% | 790 |
| Cost of funding earning assets | 0.6530% | 2,626 |
| Net interest margin | 4.4175% | 784 |
| Noninterest income to average assets | 0.5194% | 3,636 |
| Noninterest expense to average assets | 2.2806% | 5,471 |
| Loan and lease loss provision to assets | 0.3165% | 1,073 |
| Net operating income to assets | 2.0157% | 331 |
| Return on assets (ROA) | 2.0157% | 362 |
| Pretax return on assets | 2.0157% | 575 |
| Return on Equity (ROE) | 18.1304% | 426 |
| Retained earnings to average equity (ytd only) | 7.9135% | 1,780 |
| Net charge-offs to loans | 0.1335% | 2,607 |
| Credit loss provision to net charge-offs | 320.9424% | 753 |
| Earnings coverage of net charge-offs (x) | 23.6492% | 1,098 |
| Efficiency ratio | 48.7016% | 6,580 |
| Assets per employee ($millions) | 4.5839% | 2,826 |
| Cash dividends to net income (ytd only)* | 56.3525% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2582% | 1,471 |
| Loan loss allowance to noncurrent loans | 192.8815% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.4961% | 3,011 |
| Noncurrent loans to loans | 1.1707% | 3,817 |
| Net loans and leases to total assets | 72.3906% | 1,295 |
| Net loans and leases to deposits | 82.4169% | 1,772 |
| Net loans and leases to core deposits | 108.7595% | 539 |
| Total domestic deposits to total assets | 87.8347% | 2,426 |
| Equity capital to assets | 11.1289% | 2,816 |
| Core capital (leverage) ratio | 9.6957% | 3,798 |
| Tier 1 risk-based capital ratio | 13.0863% | 5,154 |
| Total risk-based capital ratio | 14.3578% | 5,092 |
| Memoranda: | ||
| Average total assets | $774,715,000 | 874 |
| Average earning assets | $717,864,500 | 852 |
| Average equity | $86,131,500 | 834 |
| Average total loans | $572,273,500 | 733 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 1,165 |
| Cost of funding earning assets | 0.8244% | 2,471 |
| Net interest margin | 4.3499% | 1,286 |
| Noninterest income to average assets | 0.4772% | 4,051 |
| Noninterest expense to average assets | 2.1826% | 5,954 |
| Loan and lease loss provision to assets | 0.5569% | 1,022 |
| Net operating income to assets | 1.7495% | 558 |
| Return on assets (ROA) | 1.7943% | 577 |
| Pretax return on assets | 1.7943% | 928 |
| Return on Equity (ROE) | 16.6982% | 571 |
| Retained earnings to average equity (ytd only) | 9.0414% | 808 |
| Net charge-offs to loans | 0.4505% | 2,429 |
| Credit loss provision to net charge-offs | 174.9271% | 1,506 |
| Earnings coverage of net charge-offs (x) | 7.2445% | 2,649 |
| Efficiency ratio | 47.2249% | 6,745 |
| Assets per employee ($millions) | 4.5303% | 2,906 |
| Cash dividends to net income (ytd only)* | 45.8543% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2224% | 1,519 |
| Loan loss allowance to noncurrent loans | 170.3824% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 2,978 |
| Noncurrent loans to loans | 1.3044% | 3,654 |
| Net loans and leases to total assets | 72.0351% | 1,484 |
| Net loans and leases to deposits | 83.1763% | 1,857 |
| Net loans and leases to core deposits | 112.0572% | 466 |
| Total domestic deposits to total assets | 86.6054% | 3,041 |
| Equity capital to assets | 11.1067% | 2,827 |
| Core capital (leverage) ratio | 9.5450% | 4,045 |
| Tier 1 risk-based capital ratio | 13.0929% | 5,039 |
| Total risk-based capital ratio | 14.3591% | 4,978 |
| Memoranda: | ||
| Average total assets | $754,178,000 | 883 |
| Average earning assets | $695,561,600 | 869 |
| Average equity | $81,038,600 | 865 |
| Average total loans | $533,000,800 | 773 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 1,290 |
| Cost of funding earning assets | 0.8587% | 2,468 |
| Net interest margin | 4.2951% | 1,480 |
| Noninterest income to average assets | 0.4370% | 4,379 |
| Noninterest expense to average assets | 2.2170% | 5,912 |
| Loan and lease loss provision to assets | 0.6372% | 830 |
| Net operating income to assets | 1.5425% | 955 |
| Return on assets (ROA) | 1.6021% | 938 |
| Pretax return on assets | 1.6021% | 1,571 |
| Return on Equity (ROE) | 15.0392% | 893 |
| Retained earnings to average equity (ytd only) | 8.1987% | 1,532 |
| Net charge-offs to loans | 0.3534% | 2,689 |
| Credit loss provision to net charge-offs | 257.9137% | 1,066 |
| Earnings coverage of net charge-offs (x) | 8.8230% | 2,391 |
| Efficiency ratio | 48.9935% | 6,663 |
| Assets per employee ($millions) | 4.5093% | 2,898 |
| Cash dividends to net income (ytd only)* | 45.4848% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4194% | 1,321 |
| Loan loss allowance to noncurrent loans | 123.1046% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0026% | 2,633 |
| Noncurrent loans to loans | 1.9653% | 2,876 |
| Net loans and leases to total assets | 69.2447% | 2,059 |
| Net loans and leases to deposits | 80.0323% | 2,385 |
| Net loans and leases to core deposits | 109.8709% | 576 |
| Total domestic deposits to total assets | 86.5210% | 2,970 |
| Equity capital to assets | 11.0085% | 3,271 |
| Core capital (leverage) ratio | 9.3595% | 4,490 |
| Tier 1 risk-based capital ratio | 13.3431% | 4,993 |
| Total risk-based capital ratio | 14.6085% | 4,944 |
| Memoranda: | ||
| Average total assets | $750,182,750 | 895 |
| Average earning assets | $691,585,250 | 880 |
| Average equity | $79,913,500 | 877 |
| Average total loans | $524,402,250 | 789 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 1,367 |
| Cost of funding earning assets | 0.8907% | 2,478 |
| Net interest margin | 4.2622% | 1,573 |
| Noninterest income to average assets | 0.4475% | 4,313 |
| Noninterest expense to average assets | 2.2110% | 5,969 |
| Loan and lease loss provision to assets | 0.6323% | 920 |
| Net operating income to assets | 1.5297% | 946 |
| Return on assets (ROA) | 1.6193% | 898 |
| Pretax return on assets | 1.6193% | 1,492 |
| Return on Equity (ROE) | 15.3747% | 870 |
| Retained earnings to average equity (ytd only) | 8.3273% | 1,507 |
| Net charge-offs to loans | 0.1981% | 3,398 |
| Credit loss provision to net charge-offs | 459.0291% | 653 |
| Earnings coverage of net charge-offs (x) | 15.6951% | 1,636 |
| Efficiency ratio | 49.1223% | 6,704 |
| Assets per employee ($millions) | 4.5259% | 2,854 |
| Cash dividends to net income (ytd only)* | 45.8375% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 1,452 |
| Loan loss allowance to noncurrent loans | 114.2084% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 2.2172% | 2,522 |
| Noncurrent loans to loans | 2.0803% | 2,850 |
| Net loans and leases to total assets | 68.8230% | 2,135 |
| Net loans and leases to deposits | 80.5086% | 2,311 |
| Net loans and leases to core deposits | 107.8412% | 668 |
| Total domestic deposits to total assets | 85.4852% | 3,617 |
| Equity capital to assets | 10.7266% | 3,426 |
| Core capital (leverage) ratio | 9.0366% | 4,859 |
| Tier 1 risk-based capital ratio | 12.8950% | 5,260 |
| Total risk-based capital ratio | 14.1598% | 5,224 |
| Memoranda: | ||
| Average total assets | $747,723,330 | 896 |
| Average earning assets | $688,656,000 | 880 |
| Average equity | $78,752,670 | 885 |
| Average total loans | $520,010,670 | 796 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1360% | 1,478 |
| Cost of funding earning assets | 0.9163% | 2,558 |
| Net interest margin | 4.2197% | 1,704 |
| Noninterest income to average assets | 0.3889% | 4,751 |
| Noninterest expense to average assets | 2.2284% | 5,965 |
| Loan and lease loss provision to assets | 0.6099% | 933 |
| Net operating income to assets | 1.4345% | 1,160 |
| Return on assets (ROA) | 1.5216% | 1,105 |
| Pretax return on assets | 1.5216% | 1,819 |
| Return on Equity (ROE) | 14.5841% | 1,063 |
| Retained earnings to average equity (ytd only) | 14.5841% | 500 |
| Net charge-offs to loans | 0.1192% | 3,397 |
| Credit loss provision to net charge-offs | 741.1765% | 479 |
| Earnings coverage of net charge-offs (x) | 24.8431% | 1,047 |
| Efficiency ratio | 50.6672% | 6,629 |
| Assets per employee ($millions) | 4.5652% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2857% | 1,698 |
| Loan loss allowance to noncurrent loans | 97.4304% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 2.3653% | 2,514 |
| Noncurrent loans to loans | 2.3460% | 2,751 |
| Net loans and leases to total assets | 66.9240% | 2,302 |
| Net loans and leases to deposits | 77.1332% | 2,657 |
| Net loans and leases to core deposits | 105.6406% | 684 |
| Total domestic deposits to total assets | 86.7642% | 3,087 |
| Equity capital to assets | 10.5300% | 3,454 |
| Core capital (leverage) ratio | 9.2373% | 4,460 |
| Tier 1 risk-based capital ratio | 13.0534% | 5,171 |
| Total risk-based capital ratio | 14.3166% | 5,127 |
| Memoranda: | ||
| Average total assets | $743,670,500 | 903 |
| Average earning assets | $684,498,000 | 889 |
| Average equity | $77,591,500 | 899 |
| Average total loans | $513,594,000 | 812 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3670% | 1,504 |
| Cost of funding earning assets | 1.1183% | 2,547 |
| Net interest margin | 4.2487% | 1,887 |
| Noninterest income to average assets | 0.6962% | 2,626 |
| Noninterest expense to average assets | 2.3332% | 5,967 |
| Loan and lease loss provision to assets | 0.8046% | 1,219 |
| Net operating income to assets | 1.4446% | 933 |
| Return on assets (ROA) | 1.4458% | 1,014 |
| Pretax return on assets | 1.4458% | 1,636 |
| Return on Equity (ROE) | 14.2700% | 867 |
| Retained earnings to average equity (ytd only) | 9.3258% | 717 |
| Net charge-offs to loans | 0.6096% | 2,619 |
| Credit loss provision to net charge-offs | 180.0891% | 1,444 |
| Earnings coverage of net charge-offs (x) | 5.0344% | 2,914 |
| Efficiency ratio | 48.8666% | 6,896 |
| Assets per employee ($millions) | 4.6756% | 2,641 |
| Cash dividends to net income (ytd only)* | 34.6471% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 1,963 |
| Loan loss allowance to noncurrent loans | 89.5914% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 2.5237% | 2,403 |
| Noncurrent loans to loans | 2.3602% | 2,777 |
| Net loans and leases to total assets | 68.1769% | 2,358 |
| Net loans and leases to deposits | 78.9274% | 2,689 |
| Net loans and leases to core deposits | 104.9996% | 844 |
| Total domestic deposits to total assets | 86.3792% | 3,093 |
| Equity capital to assets | 10.3346% | 3,736 |
| Core capital (leverage) ratio | 9.2476% | 4,394 |
| Tier 1 risk-based capital ratio | 12.5790% | 5,387 |
| Total risk-based capital ratio | 13.8405% | 5,369 |
| Memoranda: | ||
| Average total assets | $703,716,800 | 927 |
| Average earning assets | $643,673,000 | 922 |
| Average equity | $71,296,600 | 944 |
| Average total loans | $515,708,800 | 804 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3823% | 1,562 |
| Cost of funding earning assets | 1.1551% | 2,602 |
| Net interest margin | 4.2272% | 1,998 |
| Noninterest income to average assets | 0.7230% | 2,464 |
| Noninterest expense to average assets | 2.3125% | 5,997 |
| Loan and lease loss provision to assets | 0.8479% | 1,078 |
| Net operating income to assets | 1.4256% | 1,107 |
| Return on assets (ROA) | 1.4259% | 1,174 |
| Pretax return on assets | 1.4259% | 1,863 |
| Return on Equity (ROE) | 14.1493% | 1,009 |
| Retained earnings to average equity (ytd only) | 9.3030% | 1,041 |
| Net charge-offs to loans | 0.6759% | 2,222 |
| Credit loss provision to net charge-offs | 168.9695% | 1,788 |
| Earnings coverage of net charge-offs (x) | 4.5305% | 3,037 |
| Efficiency ratio | 48.3545% | 6,938 |
| Assets per employee ($millions) | 4.5073% | 2,899 |
| Cash dividends to net income (ytd only)* | 34.2512% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 2,387 |
| Loan loss allowance to noncurrent loans | 88.2019% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 2.6336% | 2,459 |
| Noncurrent loans to loans | 2.2466% | 3,055 |
| Net loans and leases to total assets | 69.7108% | 2,140 |
| Net loans and leases to deposits | 80.1888% | 2,625 |
| Net loans and leases to core deposits | 107.8874% | 771 |
| Total domestic deposits to total assets | 86.9334% | 2,695 |
| Equity capital to assets | 10.4174% | 3,805 |
| Core capital (leverage) ratio | 9.0562% | 4,842 |
| Tier 1 risk-based capital ratio | 12.2224% | 5,728 |
| Total risk-based capital ratio | 13.4822% | 5,706 |
| Memoranda: | ||
| Average total assets | $696,127,000 | 943 |
| Average earning assets | $636,146,500 | 938 |
| Average equity | $70,154,750 | 967 |
| Average total loans | $516,815,750 | 819 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3591% | 1,692 |
| Cost of funding earning assets | 1.1884% | 2,657 |
| Net interest margin | 4.1707% | 2,158 |
| Noninterest income to average assets | 0.7132% | 2,475 |
| Noninterest expense to average assets | 2.2809% | 6,174 |
| Loan and lease loss provision to assets | 0.9073% | 986 |
| Net operating income to assets | 1.3304% | 1,243 |
| Return on assets (ROA) | 1.3304% | 1,323 |
| Pretax return on assets | 1.3304% | 2,040 |
| Return on Equity (ROE) | 13.3569% | 1,123 |
| Retained earnings to average equity (ytd only) | 8.4045% | 1,300 |
| Net charge-offs to loans | 0.5755% | 2,382 |
| Credit loss provision to net charge-offs | 209.3039% | 1,437 |
| Earnings coverage of net charge-offs (x) | 5.1620% | 2,677 |
| Efficiency ratio | 48.3722% | 7,039 |
| Assets per employee ($millions) | 4.2909% | 3,179 |
| Cash dividends to net income (ytd only)* | 37.0774% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9253% | 2,590 |
| Loan loss allowance to noncurrent loans | 85.2310% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 2.8189% | 2,380 |
| Noncurrent loans to loans | 2.2589% | 3,155 |
| Net loans and leases to total assets | 72.2932% | 1,731 |
| Net loans and leases to deposits | 84.9578% | 1,952 |
| Net loans and leases to core deposits | 108.7111% | 770 |
| Total domestic deposits to total assets | 85.0930% | 3,837 |
| Equity capital to assets | 10.0736% | 4,058 |
| Core capital (leverage) ratio | 8.8438% | 4,975 |
| Tier 1 risk-based capital ratio | 11.9716% | 5,809 |
| Total risk-based capital ratio | 13.2312% | 5,772 |
| Memoranda: | ||
| Average total assets | $689,281,000 | 961 |
| Average earning assets | $628,915,000 | 955 |
| Average equity | $68,653,670 | 985 |
| Average total loans | $519,190,000 | 827 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 1,786 |
| Cost of funding earning assets | 1.2173% | 2,704 |
| Net interest margin | 4.1112% | 2,224 |
| Noninterest income to average assets | 0.7010% | 2,572 |
| Noninterest expense to average assets | 2.1087% | 6,618 |
| Loan and lease loss provision to assets | 0.5297% | 1,641 |
| Net operating income to assets | 1.8100% | 484 |
| Return on assets (ROA) | 1.8100% | 505 |
| Pretax return on assets | 1.8100% | 799 |
| Return on Equity (ROE) | 18.2784% | 452 |
| Retained earnings to average equity (ytd only) | 18.2784% | 224 |
| Net charge-offs to loans | 0.3447% | 2,681 |
| Credit loss provision to net charge-offs | 201.7817% | 1,472 |
| Earnings coverage of net charge-offs (x) | 8.9131% | 1,775 |
| Efficiency ratio | 45.2490% | 7,235 |
| Assets per employee ($millions) | 4.3477% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 3,352 |
| Loan loss allowance to noncurrent loans | 63.3691% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 3.2121% | 2,142 |
| Noncurrent loans to loans | 2.6753% | 2,816 |
| Net loans and leases to total assets | 73.3957% | 1,438 |
| Net loans and leases to deposits | 84.0936% | 2,012 |
| Net loans and leases to core deposits | 109.2066% | 774 |
| Total domestic deposits to total assets | 87.2787% | 2,779 |
| Equity capital to assets | 10.0881% | 3,662 |
| Core capital (leverage) ratio | 8.9776% | 4,649 |
| Tier 1 risk-based capital ratio | 11.9352% | 5,749 |
| Total risk-based capital ratio | 13.1917% | 5,734 |
| Memoranda: | ||
| Average total assets | $684,210,000 | 975 |
| Average earning assets | $623,658,500 | 972 |
| Average equity | $67,752,000 | 993 |
| Average total loans | $521,004,500 | 831 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5319% | 2,153 |
| Cost of funding earning assets | 1.4391% | 3,025 |
| Net interest margin | 4.0928% | 2,597 |
| Noninterest income to average assets | 0.6288% | 3,294 |
| Noninterest expense to average assets | 2.3423% | 6,236 |
| Loan and lease loss provision to assets | 1.0441% | 1,545 |
| Net operating income to assets | 0.9634% | 2,155 |
| Return on assets (ROA) | 0.9915% | 2,175 |
| Pretax return on assets | 0.9915% | 2,957 |
| Return on Equity (ROE) | 9.6675% | 2,049 |
| Retained earnings to average equity (ytd only) | 4.1922% | 2,910 |
| Net charge-offs to loans | 1.1014% | 2,024 |
| Credit loss provision to net charge-offs | 119.3823% | 3,551 |
| Earnings coverage of net charge-offs (x) | 2.2953% | 4,006 |
| Efficiency ratio | 51.1897% | 7,045 |
| Assets per employee ($millions) | 4.2321% | 3,322 |
| Cash dividends to net income (ytd only)* | 56.6355% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,672 |
| Loan loss allowance to noncurrent loans | 104.7228% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 2.4251% | 2,847 |
| Noncurrent loans to loans | 1.5058% | 4,220 |
| Net loans and leases to total assets | 76.4386% | 1,195 |
| Net loans and leases to deposits | 87.2487% | 1,904 |
| Net loans and leases to core deposits | 113.5424% | 744 |
| Total domestic deposits to total assets | 87.6099% | 2,475 |
| Equity capital to assets | 9.7124% | 4,110 |
| Core capital (leverage) ratio | 8.5222% | 5,321 |
| Tier 1 risk-based capital ratio | 11.1440% | 6,217 |
| Total risk-based capital ratio | 12.3986% | 6,189 |
| Memoranda: | ||
| Average total assets | $658,922,000 | 1,010 |
| Average earning assets | $599,073,400 | 1,010 |
| Average equity | $67,577,200 | 995 |
| Average total loans | $523,246,200 | 860 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5346% | 2,313 |
| Cost of funding earning assets | 1.4643% | 3,190 |
| Net interest margin | 4.0703% | 2,761 |
| Noninterest income to average assets | 0.6310% | 3,245 |
| Noninterest expense to average assets | 2.3144% | 6,277 |
| Loan and lease loss provision to assets | 0.8554% | 1,772 |
| Net operating income to assets | 1.1614% | 1,700 |
| Return on assets (ROA) | 1.1989% | 1,678 |
| Pretax return on assets | 1.1989% | 2,493 |
| Return on Equity (ROE) | 11.5319% | 1,639 |
| Retained earnings to average equity (ytd only) | 5.9462% | 2,389 |
| Net charge-offs to loans | 0.7769% | 2,492 |
| Credit loss provision to net charge-offs | 137.8654% | 2,895 |
| Earnings coverage of net charge-offs (x) | 3.2506% | 3,519 |
| Efficiency ratio | 50.7503% | 7,093 |
| Assets per employee ($millions) | 4.2554% | 3,341 |
| Cash dividends to net income (ytd only)* | 48.4365% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 3,591 |
| Loan loss allowance to noncurrent loans | 66.0141% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.5816% | 2,793 |
| Noncurrent loans to loans | 2.4016% | 3,235 |
| Net loans and leases to total assets | 78.3888% | 971 |
| Net loans and leases to deposits | 92.3108% | 1,406 |
| Net loans and leases to core deposits | 114.9238% | 797 |
| Total domestic deposits to total assets | 84.9184% | 3,652 |
| Equity capital to assets | 10.6053% | 3,402 |
| Core capital (leverage) ratio | 8.8009% | 5,007 |
| Tier 1 risk-based capital ratio | 11.2865% | 6,111 |
| Total risk-based capital ratio | 12.5418% | 6,102 |
| Memoranda: | ||
| Average total assets | $654,369,500 | 1,025 |
| Average earning assets | $594,863,000 | 1,024 |
| Average equity | $68,030,000 | 986 |
| Average total loans | $522,587,000 | 861 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5269% | 2,414 |
| Cost of funding earning assets | 1.4904% | 3,307 |
| Net interest margin | 4.0365% | 2,850 |
| Noninterest income to average assets | 0.5835% | 3,458 |
| Noninterest expense to average assets | 2.2910% | 6,381 |
| Loan and lease loss provision to assets | 0.8403% | 1,731 |
| Net operating income to assets | 1.1182% | 1,788 |
| Return on assets (ROA) | 1.1109% | 1,885 |
| Pretax return on assets | 1.1109% | 2,750 |
| Return on Equity (ROE) | 10.7583% | 1,838 |
| Retained earnings to average equity (ytd only) | 4.8227% | 2,997 |
| Net charge-offs to loans | 0.4363% | 3,240 |
| Credit loss provision to net charge-offs | 240.9490% | 1,595 |
| Earnings coverage of net charge-offs (x) | 5.6160% | 2,632 |
| Efficiency ratio | 51.1863% | 7,134 |
| Assets per employee ($millions) | 4.2112% | 3,361 |
| Cash dividends to net income (ytd only)* | 55.1724% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 3,100 |
| Loan loss allowance to noncurrent loans | 60.7318% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 2.7080% | 2,666 |
| Noncurrent loans to loans | 2.7929% | 2,858 |
| Net loans and leases to total assets | 77.9564% | 1,122 |
| Net loans and leases to deposits | 91.8324% | 1,561 |
| Net loans and leases to core deposits | 113.3635% | 955 |
| Total domestic deposits to total assets | 84.8899% | 3,690 |
| Equity capital to assets | 10.4663% | 3,455 |
| Core capital (leverage) ratio | 8.5759% | 5,283 |
| Tier 1 risk-based capital ratio | 11.0779% | 6,153 |
| Total risk-based capital ratio | 12.3346% | 6,135 |
| Memoranda: | ||
| Average total assets | $652,631,330 | 1,036 |
| Average earning assets | $592,738,000 | 1,032 |
| Average equity | $67,389,670 | 987 |
| Average total loans | $521,659,670 | 873 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5017% | 2,570 |
| Cost of funding earning assets | 1.5199% | 3,420 |
| Net interest margin | 3.9818% | 2,945 |
| Noninterest income to average assets | 0.5400% | 3,726 |
| Noninterest expense to average assets | 2.2992% | 6,378 |
| Loan and lease loss provision to assets | 0.7515% | 1,691 |
| Net operating income to assets | 1.1217% | 1,757 |
| Return on assets (ROA) | 1.1297% | 1,814 |
| Pretax return on assets | 1.1297% | 2,632 |
| Return on Equity (ROE) | 11.0152% | 1,785 |
| Retained earnings to average equity (ytd only) | 11.0152% | 920 |
| Net charge-offs to loans | 0.3116% | 3,172 |
| Credit loss provision to net charge-offs | 300.4902% | 1,309 |
| Earnings coverage of net charge-offs (x) | 7.4902% | 2,084 |
| Efficiency ratio | 52.3432% | 7,118 |
| Assets per employee ($millions) | 4.1340% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 3,768 |
| Loan loss allowance to noncurrent loans | 57.1531% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 2.4807% | 2,925 |
| Noncurrent loans to loans | 2.6712% | 3,001 |
| Net loans and leases to total assets | 78.4447% | 1,073 |
| Net loans and leases to deposits | 91.3616% | 1,704 |
| Net loans and leases to core deposits | 112.9495% | 1,101 |
| Total domestic deposits to total assets | 85.8618% | 3,227 |
| Equity capital to assets | 10.3673% | 3,385 |
| Core capital (leverage) ratio | 8.5637% | 5,268 |
| Tier 1 risk-based capital ratio | 10.8395% | 6,303 |
| Total risk-based capital ratio | 12.0937% | 6,282 |
| Memoranda: | ||
| Average total assets | $652,580,000 | 1,060 |
| Average earning assets | $595,303,000 | 1,053 |
| Average equity | $66,926,000 | 994 |
| Average total loans | $523,675,500 | 895 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7260% | 2,982 |
| Cost of funding earning assets | 1.7606% | 4,201 |
| Net interest margin | 3.9654% | 3,004 |
| Noninterest income to average assets | 0.6028% | 3,614 |
| Noninterest expense to average assets | 2.3540% | 6,595 |
| Loan and lease loss provision to assets | 0.5788% | 3,491 |
| Net operating income to assets | 1.2909% | 1,051 |
| Return on assets (ROA) | 1.2868% | 1,110 |
| Pretax return on assets | 1.2868% | 1,732 |
| Return on Equity (ROE) | 12.8775% | 988 |
| Retained earnings to average equity (ytd only) | 5.9252% | 1,379 |
| Net charge-offs to loans | 0.4789% | 3,867 |
| Credit loss provision to net charge-offs | 149.2063% | 3,119 |
| Earnings coverage of net charge-offs (x) | 4.8197% | 2,806 |
| Efficiency ratio | 52.8765% | 7,331 |
| Assets per employee ($millions) | 4.1265% | 3,560 |
| Cash dividends to net income (ytd only)* | 53.9877% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 4,386 |
| Loan loss allowance to noncurrent loans | 52.0151% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.5416% | 2,752 |
| Noncurrent loans to loans | 2.6341% | 2,922 |
| Net loans and leases to total assets | 79.7339% | 1,041 |
| Net loans and leases to deposits | 93.1361% | 1,719 |
| Net loans and leases to core deposits | 132.8860% | 1,115 |
| Total domestic deposits to total assets | 85.6101% | 3,218 |
| Equity capital to assets | 10.1422% | 3,572 |
| Core capital (leverage) ratio | 8.4684% | 5,326 |
| Tier 1 risk-based capital ratio | 10.4510% | 6,447 |
| Total risk-based capital ratio | 11.7028% | 6,412 |
| Memoranda: | ||
| Average total assets | $633,351,000 | 1,095 |
| Average earning assets | $578,331,200 | 1,091 |
| Average equity | $63,288,800 | 1,046 |
| Average total loans | $513,047,400 | 932 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 3,055 |
| Cost of funding earning assets | 1.7942% | 4,409 |
| Net interest margin | 3.9674% | 2,950 |
| Noninterest income to average assets | 0.6142% | 3,591 |
| Noninterest expense to average assets | 2.4232% | 6,339 |
| Loan and lease loss provision to assets | 0.5073% | 3,355 |
| Net operating income to assets | 1.3083% | 1,197 |
| Return on assets (ROA) | 1.3108% | 1,270 |
| Pretax return on assets | 1.3108% | 1,930 |
| Return on Equity (ROE) | 13.1683% | 1,079 |
| Retained earnings to average equity (ytd only) | 6.1492% | 1,878 |
| Net charge-offs to loans | 0.4423% | 3,471 |
| Credit loss provision to net charge-offs | 141.5239% | 3,469 |
| Earnings coverage of net charge-offs (x) | 5.0650% | 2,937 |
| Efficiency ratio | 54.3157% | 7,204 |
| Assets per employee ($millions) | 4.1481% | 3,464 |
| Cash dividends to net income (ytd only)* | 53.3032% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 4,582 |
| Loan loss allowance to noncurrent loans | 51.9309% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.3228% | 2,952 |
| Noncurrent loans to loans | 2.4798% | 3,042 |
| Net loans and leases to total assets | 80.5607% | 1,076 |
| Net loans and leases to deposits | 94.5404% | 1,786 |
| Net loans and leases to core deposits | 135.9947% | 1,097 |
| Total domestic deposits to total assets | 85.2129% | 3,119 |
| Equity capital to assets | 10.2424% | 3,797 |
| Core capital (leverage) ratio | 8.3611% | 5,729 |
| Tier 1 risk-based capital ratio | 10.4248% | 6,550 |
| Total risk-based capital ratio | 11.6763% | 6,493 |
| Memoranda: | ||
| Average total assets | $629,724,750 | 1,118 |
| Average earning assets | $575,308,750 | 1,111 |
| Average equity | $62,684,250 | 1,067 |
| Average total loans | $510,375,000 | 949 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 3,242 |
| Cost of funding earning assets | 1.8135% | 4,692 |
| Net interest margin | 3.9480% | 2,896 |
| Noninterest income to average assets | 0.5694% | 3,901 |
| Noninterest expense to average assets | 2.4567% | 6,275 |
| Loan and lease loss provision to assets | 0.4047% | 3,502 |
| Net operating income to assets | 1.3113% | 1,205 |
| Return on assets (ROA) | 1.3113% | 1,280 |
| Pretax return on assets | 1.3113% | 1,989 |
| Return on Equity (ROE) | 13.3030% | 1,123 |
| Retained earnings to average equity (ytd only) | 5.8729% | 2,084 |
| Net charge-offs to loans | 0.5947% | 2,556 |
| Credit loss provision to net charge-offs | 84.1722% | 5,086 |
| Earnings coverage of net charge-offs (x) | 3.5689% | 3,387 |
| Efficiency ratio | 55.9829% | 7,124 |
| Assets per employee ($millions) | 3.9009% | 3,871 |
| Cash dividends to net income (ytd only)* | 55.8524% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 5,474 |
| Loan loss allowance to noncurrent loans | 62.6490% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.7014% | 3,625 |
| Noncurrent loans to loans | 1.7838% | 3,827 |
| Net loans and leases to total assets | 80.2036% | 1,276 |
| Net loans and leases to deposits | 98.4461% | 1,459 |
| Net loans and leases to core deposits | 144.8864% | 803 |
| Total domestic deposits to total assets | 81.4695% | 4,907 |
| Equity capital to assets | 10.0066% | 3,930 |
| Core capital (leverage) ratio | 8.2457% | 5,894 |
| Tier 1 risk-based capital ratio | 10.2607% | 6,637 |
| Total risk-based capital ratio | 11.4167% | 6,684 |
| Memoranda: | ||
| Average total assets | $628,081,000 | 1,137 |
| Average earning assets | $573,246,330 | 1,135 |
| Average equity | $61,911,000 | 1,100 |
| Average total loans | $507,849,000 | 981 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6399% | 4,108 |
| Cost of funding earning assets | 1.8653% | 4,808 |
| Net interest margin | 3.7746% | 3,566 |
| Noninterest income to average assets | 0.5615% | 3,821 |
| Noninterest expense to average assets | 2.3375% | 6,412 |
| Loan and lease loss provision to assets | 0.2951% | 3,585 |
| Net operating income to assets | 1.3741% | 1,198 |
| Return on assets (ROA) | 1.3741% | 1,290 |
| Pretax return on assets | 1.3741% | 2,046 |
| Return on Equity (ROE) | 14.0477% | 1,159 |
| Retained earnings to average equity (ytd only) | 14.0477% | 515 |
| Net charge-offs to loans | 0.3324% | 2,767 |
| Credit loss provision to net charge-offs | 110.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | 6.2214% | 2,527 |
| Efficiency ratio | 55.3253% | 7,067 |
| Assets per employee ($millions) | 3.8881% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 4,902 |
| Loan loss allowance to noncurrent loans | 45.2962% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 2.3724% | 2,413 |
| Noncurrent loans to loans | 2.6157% | 2,521 |
| Net loans and leases to total assets | 79.5664% | 1,464 |
| Net loans and leases to deposits | 93.6064% | 2,342 |
| Net loans and leases to core deposits | 135.2892% | 1,346 |
| Total domestic deposits to total assets | 85.0010% | 3,208 |
| Equity capital to assets | 9.9259% | 4,076 |
| Core capital (leverage) ratio | 8.2120% | 6,074 |
| Tier 1 risk-based capital ratio | 10.2177% | 6,696 |
| Total risk-based capital ratio | 11.4234% | 6,650 |
| Memoranda: | ||
| Average total assets | $626,150,500 | 1,137 |
| Average earning assets | $571,502,000 | 1,142 |
| Average equity | $61,248,500 | 1,119 |
| Average total loans | $505,489,500 | 990 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2912% | 4,010 |
| Cost of funding earning assets | 2.5623% | 3,891 |
| Net interest margin | 3.7289% | 4,332 |
| Noninterest income to average assets | 0.6897% | 3,186 |
| Noninterest expense to average assets | 2.2250% | 6,910 |
| Loan and lease loss provision to assets | 0.3251% | 3,781 |
| Net operating income to assets | 1.5388% | 945 |
| Return on assets (ROA) | 1.5685% | 858 |
| Pretax return on assets | 1.5685% | 1,486 |
| Return on Equity (ROE) | 16.2198% | 740 |
| Retained earnings to average equity (ytd only) | 5.9234% | 1,565 |
| Net charge-offs to loans | 0.1933% | 4,254 |
| Credit loss provision to net charge-offs | 220.4171% | 2,176 |
| Earnings coverage of net charge-offs (x) | 12.6378% | 2,226 |
| Efficiency ratio | 51.3818% | 7,552 |
| Assets per employee ($millions) | 4.0418% | 3,430 |
| Cash dividends to net income (ytd only)* | 63.4806% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 4,666 |
| Loan loss allowance to noncurrent loans | 94.9857% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.2821% | 3,664 |
| Noncurrent loans to loans | 1.2469% | 4,020 |
| Net loans and leases to total assets | 79.9829% | 1,668 |
| Net loans and leases to deposits | 97.0322% | 2,286 |
| Net loans and leases to core deposits | 138.0738% | 1,368 |
| Total domestic deposits to total assets | 82.4292% | 4,030 |
| Equity capital to assets | 9.6359% | 4,502 |
| Core capital (leverage) ratio | 8.0909% | 6,336 |
| Tier 1 risk-based capital ratio | 9.7984% | 6,962 |
| Total risk-based capital ratio | 11.0010% | 6,916 |
| Memoranda: | ||
| Average total assets | $617,672,800 | 1,087 |
| Average earning assets | $563,055,000 | 1,095 |
| Average equity | $59,729,600 | 1,129 |
| Average total loans | $471,178,200 | 1,027 |