Home > First Citizens Community Bank > Performance and Condition Ratios
First Citizens Community Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6990% | 1,476 |
| Cost of funding earning assets | 2.4547% | 1,069 |
| Net interest margin | 3.2443% | 2,467 |
| Noninterest income to average assets | 0.6800% | 1,089 |
| Noninterest expense to average assets | 2.2579% | 2,914 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 1.0316% | 1,853 |
| Return on assets (ROA) | 1.0315% | 1,856 |
| Pretax return on assets | 1.2528% | 1,763 |
| Return on Equity (ROE) | 9.6400% | 2,230 |
| Retained earnings to average equity (ytd only) | 5.8941% | 2,136 |
| Net charge-offs to loans | 0.1184% | 658 |
| Credit loss provision to net charge-offs | 166.7166% | 891 |
| Earnings coverage of net charge-offs (x) | 15.0015% | 1,471 |
| Efficiency ratio | 61.8600% | 3,045 |
| Assets per employee ($millions) | 7.4033% | 1,818 |
| Cash dividends to net income (ytd only)* | 38.8882% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 3,485 |
| Loan loss allowance to noncurrent loans | 139.2252% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 1,182 |
| Noncurrent loans to loans | 0.6901% | 1,283 |
| Net loans and leases to total assets | 76.3300% | 1,027 |
| Net loans and leases to deposits | 96.4799% | 679 |
| Net loans and leases to core deposits | 106.7193% | 1,072 |
| Total domestic deposits to total assets | 79.1100% | 3,655 |
| Equity capital to assets | 10.8423% | 1,563 |
| Core capital (leverage) ratio | 8.7448% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8973% | 2,610 |
| Memoranda: | ||
| Average total assets | $2,943,741,000 | 418 |
| Average earning assets | $2,661,783,500 | 419 |
| Average equity | $314,821,000 | 408 |
| Average total loans | $2,253,110,000 | 389 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1708% | 1,719 |
| Cost of funding earning assets | 1.8436% | 1,172 |
| Net interest margin | 3.3272% | 2,565 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.3321% | 2,765 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.7796% | 2,939 |
| Return on assets (ROA) | 0.7800% | 2,917 |
| Pretax return on assets | 0.9387% | 2,851 |
| Return on Equity (ROE) | 8.0100% | 3,023 |
| Retained earnings to average equity (ytd only) | 2.9739% | 3,278 |
| Net charge-offs to loans | 0.0631% | 1,223 |
| Credit loss provision to net charge-offs | 429.0625% | 747 |
| Earnings coverage of net charge-offs (x) | 24.0680% | 1,773 |
| Efficiency ratio | 66.7033% | 2,259 |
| Assets per employee ($millions) | 7.4079% | 1,799 |
| Cash dividends to net income (ytd only)* | 62.8682% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 3,580 |
| Loan loss allowance to noncurrent loans | 166.5197% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 1,252 |
| Noncurrent loans to loans | 0.5625% | 1,390 |
| Net loans and leases to total assets | 75.3100% | 1,203 |
| Net loans and leases to deposits | 96.1868% | 770 |
| Net loans and leases to core deposits | 105.3405% | 1,143 |
| Total domestic deposits to total assets | 78.2900% | 3,698 |
| Equity capital to assets | 10.5495% | 1,706 |
| Core capital (leverage) ratio | 8.5379% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,694,415,800 | 433 |
| Average earning assets | $2,455,839,000 | 429 |
| Average equity | $262,416,400 | 438 |
| Average total loans | $2,029,283,600 | 397 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 2,029 |
| Cost of funding earning assets | 1.6307% | 1,316 |
| Net interest margin | 3.2837% | 2,725 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.3929% | 2,532 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.6470% | 3,435 |
| Return on assets (ROA) | 0.6463% | 3,432 |
| Pretax return on assets | 0.7704% | 3,398 |
| Return on Equity (ROE) | 6.8000% | 3,482 |
| Retained earnings to average equity (ytd only) | 2.9761% | 3,521 |
| Net charge-offs to loans | 0.0526% | 1,152 |
| Credit loss provision to net charge-offs | 680.2057% | 518 |
| Earnings coverage of net charge-offs (x) | 26.3663% | 1,668 |
| Efficiency ratio | 69.3459% | 1,862 |
| Assets per employee ($millions) | 7.5924% | 1,571 |
| Cash dividends to net income (ytd only)* | 56.2112% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 3,563 |
| Loan loss allowance to noncurrent loans | 163.1931% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 1,264 |
| Noncurrent loans to loans | 0.5816% | 1,375 |
| Net loans and leases to total assets | 75.8100% | 1,146 |
| Net loans and leases to deposits | 95.7637% | 770 |
| Net loans and leases to core deposits | 103.0995% | 1,160 |
| Total domestic deposits to total assets | 79.1700% | 3,663 |
| Equity capital to assets | 10.1313% | 1,753 |
| Core capital (leverage) ratio | 8.6363% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,625,378,500 | 447 |
| Average earning assets | $2,401,259,000 | 441 |
| Average equity | $249,675,250 | 449 |
| Average total loans | $1,972,050,750 | 407 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 2,662 |
| Cost of funding earning assets | 1.3470% | 1,591 |
| Net interest margin | 3.1450% | 3,119 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.4478% | 2,360 |
| Loan and lease loss provision to assets | 0.3900% | 217 |
| Net operating income to assets | 0.3805% | 4,037 |
| Return on assets (ROA) | 0.3790% | 4,052 |
| Pretax return on assets | 0.4374% | 4,062 |
| Return on Equity (ROE) | 4.0900% | 4,020 |
| Retained earnings to average equity (ytd only) | 0.3320% | 4,017 |
| Net charge-offs to loans | -0.0021% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.6442% | 1,287 |
| Assets per employee ($millions) | 8.5135% | 1,087 |
| Cash dividends to net income (ytd only)* | 91.8834% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,448 |
| Loan loss allowance to noncurrent loans | 163.8813% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 1,141 |
| Noncurrent loans to loans | 0.6067% | 1,231 |
| Net loans and leases to total assets | 74.7100% | 1,203 |
| Net loans and leases to deposits | 94.6129% | 814 |
| Net loans and leases to core deposits | 100.0511% | 1,236 |
| Total domestic deposits to total assets | 78.9600% | 3,726 |
| Equity capital to assets | 9.8660% | 1,929 |
| Core capital (leverage) ratio | 9.7009% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,516,017,333 | 449 |
| Average earning assets | $2,308,553,000 | 450 |
| Average equity | $233,159,333 | 465 |
| Average total loans | $1,875,884,000 | 411 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6493% | 1,972 |
| Cost of funding earning assets | 1.2707% | 1,294 |
| Net interest margin | 3.3786% | 2,689 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.9741% | 3,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2731% | 1,744 |
| Return on assets (ROA) | 1.2752% | 1,706 |
| Pretax return on assets | 1.5708% | 1,529 |
| Return on Equity (ROE) | 14.3300% | 1,704 |
| Retained earnings to average equity (ytd only) | 10.1597% | 1,660 |
| Net charge-offs to loans | 0.0005% | 2,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 4,569.5000% | 14 |
| Efficiency ratio | 55.5782% | 3,451 |
| Assets per employee ($millions) | 7.4748% | 1,640 |
| Cash dividends to net income (ytd only)* | 29.1212% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 3,898 |
| Loan loss allowance to noncurrent loans | 146.0029% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 1,086 |
| Noncurrent loans to loans | 0.6058% | 1,230 |
| Net loans and leases to total assets | 73.2800% | 1,293 |
| Net loans and leases to deposits | 94.1931% | 777 |
| Net loans and leases to core deposits | 98.7571% | 1,142 |
| Total domestic deposits to total assets | 77.7900% | 4,020 |
| Equity capital to assets | 9.1817% | 2,384 |
| Core capital (leverage) ratio | 9.0151% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,330,989,000 | 504 |
| Average earning assets | $2,157,206,000 | 493 |
| Average equity | $207,369,000 | 521 |
| Average total loans | $1,724,935,000 | 449 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0023% | 1,713 |
| Cost of funding earning assets | 0.5063% | 1,343 |
| Net interest margin | 3.4960% | 1,946 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.9762% | 3,649 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.3616% | 1,240 |
| Return on assets (ROA) | 1.3601% | 1,201 |
| Pretax return on assets | 1.6612% | 1,014 |
| Return on Equity (ROE) | 15.2100% | 1,209 |
| Retained earnings to average equity (ytd only) | 11.0481% | 876 |
| Net charge-offs to loans | 0.0272% | 1,513 |
| Credit loss provision to net charge-offs | 386.8966% | 792 |
| Earnings coverage of net charge-offs (x) | 89.5103% | 1,026 |
| Efficiency ratio | 53.0155% | 3,883 |
| Assets per employee ($millions) | 7.4675% | 1,639 |
| Cash dividends to net income (ytd only)* | 27.3452% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,009 |
| Loan loss allowance to noncurrent loans | 267.1274% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 1,573 |
| Noncurrent loans to loans | 0.4024% | 1,718 |
| Net loans and leases to total assets | 73.2700% | 1,285 |
| Net loans and leases to deposits | 91.8339% | 923 |
| Net loans and leases to core deposits | 95.4429% | 1,232 |
| Total domestic deposits to total assets | 79.7900% | 3,909 |
| Equity capital to assets | 8.6104% | 2,626 |
| Core capital (leverage) ratio | 8.7670% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0104% | 2,735 |
| Memoranda: | ||
| Average total assets | $2,240,040,800 | 500 |
| Average earning assets | $2,081,310,800 | 490 |
| Average equity | $200,351,200 | 526 |
| Average total loans | $1,597,392,800 | 449 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 1,726 |
| Cost of funding earning assets | 0.3655% | 1,561 |
| Net interest margin | 3.4459% | 1,818 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 1.9837% | 3,524 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.3321% | 1,262 |
| Return on assets (ROA) | 1.3306% | 1,242 |
| Pretax return on assets | 1.6235% | 1,062 |
| Return on Equity (ROE) | 14.7300% | 1,234 |
| Retained earnings to average equity (ytd only) | 10.6025% | 1,167 |
| Net charge-offs to loans | 0.0373% | 1,127 |
| Credit loss provision to net charge-offs | 325.3425% | 781 |
| Earnings coverage of net charge-offs (x) | 64.9726% | 1,132 |
| Efficiency ratio | 53.4970% | 3,866 |
| Assets per employee ($millions) | 7.6171% | 1,539 |
| Cash dividends to net income (ytd only)* | 28.0331% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,243 |
| Loan loss allowance to noncurrent loans | 253.6541% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 1,571 |
| Noncurrent loans to loans | 0.4146% | 1,776 |
| Net loans and leases to total assets | 73.3500% | 1,149 |
| Net loans and leases to deposits | 91.3894% | 801 |
| Net loans and leases to core deposits | 94.3765% | 1,070 |
| Total domestic deposits to total assets | 80.2700% | 4,071 |
| Equity capital to assets | 8.1684% | 2,783 |
| Core capital (leverage) ratio | 8.6719% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6261% | 2,915 |
| Memoranda: | ||
| Average total assets | $2,217,588,250 | 504 |
| Average earning assets | $2,063,067,250 | 496 |
| Average equity | $200,286,500 | 531 |
| Average total loans | $1,565,310,000 | 456 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 1,613 |
| Cost of funding earning assets | 0.2853% | 1,847 |
| Net interest margin | 3.3867% | 1,645 |
| Noninterest income to average assets | 0.4999% | 2,207 |
| Noninterest expense to average assets | 1.9928% | 3,445 |
| Loan and lease loss provision to assets | 0.0644% | 1,449 |
| Net operating income to assets | 1.3109% | 1,108 |
| Return on assets (ROA) | 1.3088% | 1,095 |
| Pretax return on assets | 1.5957% | 946 |
| Return on Equity (ROE) | 14.0100% | 1,113 |
| Retained earnings to average equity (ytd only) | 9.9700% | 1,031 |
| Net charge-offs to loans | 0.0576% | 823 |
| Credit loss provision to net charge-offs | 161.2903% | 1,062 |
| Earnings coverage of net charge-offs (x) | 41.6544% | 1,240 |
| Efficiency ratio | 54.3160% | 3,933 |
| Assets per employee ($millions) | 7.0345% | 1,916 |
| Cash dividends to net income (ytd only)* | 28.8364% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 3,159 |
| Loan loss allowance to noncurrent loans | 237.7537% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 1,483 |
| Noncurrent loans to loans | 0.4629% | 1,725 |
| Net loans and leases to total assets | 71.4863% | 1,164 |
| Net loans and leases to deposits | 83.3644% | 1,162 |
| Net loans and leases to core deposits | 86.3382% | 1,320 |
| Total domestic deposits to total assets | 85.7516% | 3,311 |
| Equity capital to assets | 8.8445% | 2,504 |
| Core capital (leverage) ratio | 8.8141% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,174,757,333 | 510 |
| Average earning assets | $2,026,249,000 | 503 |
| Average equity | $203,169,333 | 522 |
| Average total loans | $1,507,335,667 | 466 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5367% | 1,678 |
| Cost of funding earning assets | 0.2745% | 1,885 |
| Net interest margin | 3.2622% | 1,677 |
| Noninterest income to average assets | 0.5519% | 1,890 |
| Noninterest expense to average assets | 1.9706% | 3,505 |
| Loan and lease loss provision to assets | 0.0463% | 1,533 |
| Net operating income to assets | 1.2941% | 1,018 |
| Return on assets (ROA) | 1.2928% | 1,011 |
| Pretax return on assets | 1.5780% | 865 |
| Return on Equity (ROE) | 13.4715% | 944 |
| Retained earnings to average equity (ytd only) | 9.5502% | 1,133 |
| Net charge-offs to loans | -0.0005% | 2,981 |
| Credit loss provision to net charge-offs | -12,500.0000% | 3,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5876% | 4,016 |
| Assets per employee ($millions) | 7.1295% | 1,902 |
| Cash dividends to net income (ytd only)* | 29.1081% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,927 |
| Loan loss allowance to noncurrent loans | 224.4439% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 1,473 |
| Noncurrent loans to loans | 0.5287% | 1,711 |
| Net loans and leases to total assets | 67.2237% | 1,291 |
| Net loans and leases to deposits | 77.1363% | 1,350 |
| Net loans and leases to core deposits | 80.9752% | 1,424 |
| Total domestic deposits to total assets | 87.1492% | 2,874 |
| Equity capital to assets | 9.2937% | 2,446 |
| Core capital (leverage) ratio | 8.8287% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,157,721,000 | 515 |
| Average earning assets | $2,013,760,000 | 508 |
| Average equity | $207,074,000 | 526 |
| Average total loans | $1,462,713,000 | 476 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 1,681 |
| Cost of funding earning assets | 0.3465% | 1,966 |
| Net interest margin | 3.5299% | 1,652 |
| Noninterest income to average assets | 0.5934% | 2,186 |
| Noninterest expense to average assets | 2.0459% | 3,542 |
| Loan and lease loss provision to assets | 0.0770% | 1,581 |
| Net operating income to assets | 1.4661% | 1,089 |
| Return on assets (ROA) | 1.4770% | 1,123 |
| Pretax return on assets | 1.7934% | 930 |
| Return on Equity (ROE) | 14.6320% | 1,040 |
| Retained earnings to average equity (ytd only) | 10.2067% | 863 |
| Net charge-offs to loans | 0.0043% | 2,452 |
| Credit loss provision to net charge-offs | 2,540.9836% | 263 |
| Earnings coverage of net charge-offs (x) | 612.9836% | 233 |
| Efficiency ratio | 52.1741% | 4,100 |
| Assets per employee ($millions) | 7.3070% | 1,720 |
| Cash dividends to net income (ytd only)* | 30.2441% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,899 |
| Loan loss allowance to noncurrent loans | 225.8418% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 1,587 |
| Noncurrent loans to loans | 0.5298% | 1,805 |
| Net loans and leases to total assets | 66.7363% | 1,405 |
| Net loans and leases to deposits | 77.1268% | 1,481 |
| Net loans and leases to core deposits | 81.2215% | 1,506 |
| Total domestic deposits to total assets | 86.5280% | 2,703 |
| Equity capital to assets | 9.9049% | 2,746 |
| Core capital (leverage) ratio | 8.9409% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,013,410,800 | 526 |
| Average earning assets | $1,887,762,000 | 523 |
| Average equity | $203,239,800 | 532 |
| Average total loans | $1,429,370,600 | 482 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 1,692 |
| Cost of funding earning assets | 0.3645% | 1,989 |
| Net interest margin | 3.5617% | 1,697 |
| Noninterest income to average assets | 0.6319% | 2,092 |
| Noninterest expense to average assets | 2.0400% | 3,554 |
| Loan and lease loss provision to assets | 0.1043% | 1,158 |
| Net operating income to assets | 1.5071% | 1,255 |
| Return on assets (ROA) | 1.5212% | 1,267 |
| Pretax return on assets | 1.8423% | 1,061 |
| Return on Equity (ROE) | 14.9940% | 1,139 |
| Retained earnings to average equity (ytd only) | 10.3614% | 1,207 |
| Net charge-offs to loans | 0.0029% | 2,251 |
| Credit loss provision to net charge-offs | 5,000.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 925.0968% | 178 |
| Efficiency ratio | 51.1425% | 4,112 |
| Assets per employee ($millions) | 6.9538% | 1,903 |
| Cash dividends to net income (ytd only)* | 30.8961% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,992 |
| Loan loss allowance to noncurrent loans | 193.8709% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 1,530 |
| Noncurrent loans to loans | 0.6183% | 1,767 |
| Net loans and leases to total assets | 69.8869% | 1,084 |
| Net loans and leases to deposits | 81.3013% | 1,165 |
| Net loans and leases to core deposits | 85.7956% | 1,307 |
| Total domestic deposits to total assets | 85.9604% | 2,763 |
| Equity capital to assets | 10.1801% | 2,731 |
| Core capital (leverage) ratio | 8.8961% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,981,529,250 | 538 |
| Average earning assets | $1,856,936,250 | 533 |
| Average equity | $201,035,500 | 542 |
| Average total loans | $1,425,191,500 | 489 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 1,652 |
| Cost of funding earning assets | 0.3809% | 2,042 |
| Net interest margin | 3.5793% | 1,638 |
| Noninterest income to average assets | 0.6876% | 1,855 |
| Noninterest expense to average assets | 2.0398% | 3,576 |
| Loan and lease loss provision to assets | 0.1173% | 1,078 |
| Net operating income to assets | 1.5623% | 1,139 |
| Return on assets (ROA) | 1.5686% | 1,181 |
| Pretax return on assets | 1.8893% | 1,046 |
| Return on Equity (ROE) | 15.4797% | 1,053 |
| Retained earnings to average equity (ytd only) | 10.4745% | 1,259 |
| Net charge-offs to loans | 0.0048% | 1,973 |
| Credit loss provision to net charge-offs | 3,382.3529% | 192 |
| Earnings coverage of net charge-offs (x) | 576.3529% | 232 |
| Efficiency ratio | 50.2576% | 4,217 |
| Assets per employee ($millions) | 6.7337% | 1,998 |
| Cash dividends to net income (ytd only)* | 32.3340% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 2,984 |
| Loan loss allowance to noncurrent loans | 185.4233% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 1,521 |
| Noncurrent loans to loans | 0.6429% | 1,808 |
| Net loans and leases to total assets | 70.1764% | 1,172 |
| Net loans and leases to deposits | 82.5656% | 1,167 |
| Net loans and leases to core deposits | 87.2381% | 1,327 |
| Total domestic deposits to total assets | 84.9947% | 3,096 |
| Equity capital to assets | 10.1791% | 2,696 |
| Core capital (leverage) ratio | 8.6706% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,960,569,667 | 537 |
| Average earning assets | $1,835,662,667 | 534 |
| Average equity | $198,673,333 | 543 |
| Average total loans | $1,418,219,667 | 490 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 1,551 |
| Cost of funding earning assets | 0.3937% | 2,148 |
| Net interest margin | 3.6340% | 1,491 |
| Noninterest income to average assets | 0.8353% | 1,501 |
| Noninterest expense to average assets | 2.0343% | 3,610 |
| Loan and lease loss provision to assets | 0.1340% | 1,012 |
| Net operating income to assets | 1.7342% | 892 |
| Return on assets (ROA) | 1.7472% | 918 |
| Pretax return on assets | 2.0819% | 826 |
| Return on Equity (ROE) | 17.2823% | 806 |
| Retained earnings to average equity (ytd only) | 11.5338% | 1,264 |
| Net charge-offs to loans | -0.0268% | 4,123 |
| Credit loss provision to net charge-offs | -684.2105% | 3,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8003% | 4,352 |
| Assets per employee ($millions) | 6.6649% | 2,036 |
| Cash dividends to net income (ytd only)* | 33.2626% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 3,090 |
| Loan loss allowance to noncurrent loans | 148.4137% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 1,468 |
| Noncurrent loans to loans | 0.7889% | 1,672 |
| Net loans and leases to total assets | 70.1422% | 1,268 |
| Net loans and leases to deposits | 82.5034% | 1,301 |
| Net loans and leases to core deposits | 88.1918% | 1,353 |
| Total domestic deposits to total assets | 85.0173% | 3,083 |
| Equity capital to assets | 9.9426% | 2,755 |
| Core capital (leverage) ratio | 8.8360% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,940,903,000 | 536 |
| Average earning assets | $1,815,633,000 | 535 |
| Average equity | $196,224,000 | 540 |
| Average total loans | $1,417,134,000 | 493 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 2,172 |
| Cost of funding earning assets | 0.4654% | 3,183 |
| Net interest margin | 3.7216% | 1,729 |
| Noninterest income to average assets | 0.6387% | 2,071 |
| Noninterest expense to average assets | 2.2542% | 3,530 |
| Loan and lease loss provision to assets | 0.1332% | 2,694 |
| Net operating income to assets | 1.4219% | 973 |
| Return on assets (ROA) | 1.4351% | 1,029 |
| Pretax return on assets | 1.7364% | 790 |
| Return on Equity (ROE) | 13.7878% | 865 |
| Retained earnings to average equity (ytd only) | 5.1646% | 2,208 |
| Net charge-offs to loans | 0.0313% | 2,405 |
| Credit loss provision to net charge-offs | 558.1395% | 1,166 |
| Earnings coverage of net charge-offs (x) | 77.6674% | 911 |
| Efficiency ratio | 54.5832% | 4,149 |
| Assets per employee ($millions) | 6.4034% | 1,998 |
| Cash dividends to net income (ytd only)* | 62.5425% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,394 |
| Loan loss allowance to noncurrent loans | 140.4904% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 1,501 |
| Noncurrent loans to loans | 0.7928% | 1,749 |
| Net loans and leases to total assets | 74.3301% | 979 |
| Net loans and leases to deposits | 88.0110% | 1,090 |
| Net loans and leases to core deposits | 93.7372% | 1,264 |
| Total domestic deposits to total assets | 84.4554% | 2,960 |
| Equity capital to assets | 10.2864% | 2,846 |
| Core capital (leverage) ratio | 8.7481% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,801,688,000 | 528 |
| Average earning assets | $1,679,467,800 | 520 |
| Average equity | $187,528,200 | 536 |
| Average total loans | $1,372,352,600 | 489 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 2,457 |
| Cost of funding earning assets | 0.4841% | 3,332 |
| Net interest margin | 3.6906% | 1,973 |
| Noninterest income to average assets | 0.5794% | 2,259 |
| Noninterest expense to average assets | 2.2345% | 3,594 |
| Loan and lease loss provision to assets | 0.1124% | 2,916 |
| Net operating income to assets | 1.3834% | 1,140 |
| Return on assets (ROA) | 1.4005% | 1,198 |
| Pretax return on assets | 1.6912% | 983 |
| Return on Equity (ROE) | 13.4132% | 999 |
| Retained earnings to average equity (ytd only) | 3.6441% | 3,230 |
| Net charge-offs to loans | 0.0172% | 2,524 |
| Credit loss provision to net charge-offs | 852.2727% | 935 |
| Earnings coverage of net charge-offs (x) | 135.2386% | 650 |
| Efficiency ratio | 55.3169% | 4,001 |
| Assets per employee ($millions) | 6.3987% | 1,916 |
| Cash dividends to net income (ytd only)* | 72.8323% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,234 |
| Loan loss allowance to noncurrent loans | 117.5436% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 1,378 |
| Noncurrent loans to loans | 0.9316% | 1,607 |
| Net loans and leases to total assets | 73.8314% | 1,389 |
| Net loans and leases to deposits | 87.9527% | 1,491 |
| Net loans and leases to core deposits | 93.9025% | 1,646 |
| Total domestic deposits to total assets | 83.9444% | 2,834 |
| Equity capital to assets | 10.2411% | 3,021 |
| Core capital (leverage) ratio | 8.6578% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,779,856,250 | 526 |
| Average earning assets | $1,658,125,000 | 518 |
| Average equity | $185,832,250 | 534 |
| Average total loans | $1,360,460,500 | 483 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 3,049 |
| Cost of funding earning assets | 0.5108% | 3,471 |
| Net interest margin | 3.5924% | 2,509 |
| Noninterest income to average assets | 0.4795% | 2,654 |
| Noninterest expense to average assets | 2.2887% | 3,550 |
| Loan and lease loss provision to assets | 0.1083% | 2,925 |
| Net operating income to assets | 1.1922% | 1,661 |
| Return on assets (ROA) | 1.2008% | 1,762 |
| Pretax return on assets | 1.4380% | 1,615 |
| Return on Equity (ROE) | 11.4243% | 1,505 |
| Retained earnings to average equity (ytd only) | -1.3208% | 4,519 |
| Net charge-offs to loans | -0.0047% | 4,002 |
| Credit loss provision to net charge-offs | -2,968.7500% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5262% | 3,479 |
| Assets per employee ($millions) | 6.2665% | 1,977 |
| Cash dividends to net income (ytd only)* | 111.5615% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,212 |
| Loan loss allowance to noncurrent loans | 130.6689% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7896% | 1,576 |
| Noncurrent loans to loans | 0.8216% | 1,856 |
| Net loans and leases to total assets | 75.9682% | 1,144 |
| Net loans and leases to deposits | 89.8458% | 1,368 |
| Net loans and leases to core deposits | 96.1024% | 1,575 |
| Total domestic deposits to total assets | 84.5540% | 2,542 |
| Equity capital to assets | 10.2192% | 2,992 |
| Core capital (leverage) ratio | 8.9021% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,754,601,667 | 523 |
| Average earning assets | $1,633,873,667 | 514 |
| Average equity | $184,431,000 | 537 |
| Average total loans | $1,352,214,333 | 479 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 2,245 |
| Cost of funding earning assets | 0.6962% | 2,946 |
| Net interest margin | 3.8277% | 1,883 |
| Noninterest income to average assets | 0.6123% | 1,985 |
| Noninterest expense to average assets | 2.3977% | 3,542 |
| Loan and lease loss provision to assets | 0.1092% | 2,310 |
| Net operating income to assets | 1.3823% | 1,033 |
| Return on assets (ROA) | 1.3741% | 1,127 |
| Pretax return on assets | 1.6436% | 970 |
| Return on Equity (ROE) | 12.7925% | 917 |
| Retained earnings to average equity (ytd only) | 5.2736% | 2,164 |
| Net charge-offs to loans | -0.0007% | 3,595 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3032% | 4,078 |
| Assets per employee ($millions) | 5.7177% | 1,911 |
| Cash dividends to net income (ytd only)* | 58.7756% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,155 |
| Loan loss allowance to noncurrent loans | 124.2543% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 1,332 |
| Noncurrent loans to loans | 1.0464% | 1,589 |
| Net loans and leases to total assets | 73.8850% | 1,626 |
| Net loans and leases to deposits | 89.1450% | 1,620 |
| Net loans and leases to core deposits | 94.5173% | 1,920 |
| Total domestic deposits to total assets | 82.8819% | 3,144 |
| Equity capital to assets | 10.9393% | 2,911 |
| Core capital (leverage) ratio | 9.4453% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,464,569,000 | 579 |
| Average earning assets | $1,357,575,500 | 567 |
| Average equity | $157,311,500 | 631 |
| Average total loans | $1,106,055,000 | 546 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 2,579 |
| Cost of funding earning assets | 0.8642% | 2,361 |
| Net interest margin | 3.7427% | 2,684 |
| Noninterest income to average assets | 0.6002% | 2,217 |
| Noninterest expense to average assets | 2.2710% | 4,021 |
| Loan and lease loss provision to assets | 0.1153% | 1,831 |
| Net operating income to assets | 1.4072% | 1,320 |
| Return on assets (ROA) | 1.4097% | 1,391 |
| Pretax return on assets | 1.6876% | 1,223 |
| Return on Equity (ROE) | 13.8604% | 926 |
| Retained earnings to average equity (ytd only) | 7.3854% | 1,212 |
| Net charge-offs to loans | 0.0648% | 2,170 |
| Credit loss provision to net charge-offs | 234.5938% | 1,145 |
| Earnings coverage of net charge-offs (x) | 36.6148% | 1,390 |
| Efficiency ratio | 55.3485% | 4,286 |
| Assets per employee ($millions) | 5.7693% | 1,817 |
| Cash dividends to net income (ytd only)* | 46.7155% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,228 |
| Loan loss allowance to noncurrent loans | 115.1543% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 1,184 |
| Noncurrent loans to loans | 1.0770% | 1,404 |
| Net loans and leases to total assets | 75.2378% | 1,542 |
| Net loans and leases to deposits | 90.3822% | 1,542 |
| Net loans and leases to core deposits | 96.7301% | 1,834 |
| Total domestic deposits to total assets | 83.2441% | 3,125 |
| Equity capital to assets | 10.5432% | 3,404 |
| Core capital (leverage) ratio | 9.2340% | 4,337 |
| Tier 1 risk-based capital ratio | 12.0911% | 4,312 |
| Total risk-based capital ratio | 13.3414% | 4,193 |
| Memoranda: | ||
| Average total assets | $1,452,457,800 | 565 |
| Average earning assets | $1,346,924,400 | 557 |
| Average equity | $147,723,000 | 633 |
| Average total loans | $1,101,471,400 | 529 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6088% | 2,695 |
| Cost of funding earning assets | 0.8869% | 2,286 |
| Net interest margin | 3.7219% | 2,847 |
| Noninterest income to average assets | 0.5945% | 2,229 |
| Noninterest expense to average assets | 2.2707% | 4,027 |
| Loan and lease loss provision to assets | 0.1058% | 1,826 |
| Net operating income to assets | 1.3954% | 1,484 |
| Return on assets (ROA) | 1.3973% | 1,540 |
| Pretax return on assets | 1.6710% | 1,417 |
| Return on Equity (ROE) | 13.8673% | 1,008 |
| Retained earnings to average equity (ytd only) | 7.2660% | 1,730 |
| Net charge-offs to loans | 0.0431% | 2,235 |
| Credit loss provision to net charge-offs | 323.9437% | 911 |
| Earnings coverage of net charge-offs (x) | 54.3326% | 1,131 |
| Efficiency ratio | 55.6824% | 4,196 |
| Assets per employee ($millions) | 5.7808% | 1,780 |
| Cash dividends to net income (ytd only)* | 47.6034% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,369 |
| Loan loss allowance to noncurrent loans | 102.6490% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.1412% | 1,143 |
| Noncurrent loans to loans | 1.1936% | 1,312 |
| Net loans and leases to total assets | 74.8100% | 1,680 |
| Net loans and leases to deposits | 91.3603% | 1,523 |
| Net loans and leases to core deposits | 97.7866% | 1,842 |
| Total domestic deposits to total assets | 81.8845% | 3,500 |
| Equity capital to assets | 10.3038% | 3,725 |
| Core capital (leverage) ratio | 9.1239% | 4,539 |
| Tier 1 risk-based capital ratio | 11.9351% | 4,447 |
| Total risk-based capital ratio | 13.1854% | 4,338 |
| Memoranda: | ||
| Average total assets | $1,449,221,000 | 570 |
| Average earning assets | $1,343,616,250 | 562 |
| Average equity | $146,028,500 | 639 |
| Average total loans | $1,097,743,250 | 531 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 2,763 |
| Cost of funding earning assets | 0.9072% | 2,104 |
| Net interest margin | 3.6654% | 3,046 |
| Noninterest income to average assets | 0.5762% | 2,262 |
| Noninterest expense to average assets | 2.2920% | 4,024 |
| Loan and lease loss provision to assets | 0.1041% | 1,800 |
| Net operating income to assets | 1.3250% | 1,675 |
| Return on assets (ROA) | 1.3250% | 1,730 |
| Pretax return on assets | 1.5790% | 1,609 |
| Return on Equity (ROE) | 13.2515% | 1,170 |
| Retained earnings to average equity (ytd only) | 6.4592% | 2,073 |
| Net charge-offs to loans | 0.0605% | 1,779 |
| Credit loss provision to net charge-offs | 227.2727% | 1,099 |
| Earnings coverage of net charge-offs (x) | 36.7455% | 1,298 |
| Efficiency ratio | 57.1982% | 4,108 |
| Assets per employee ($millions) | 5.4982% | 1,970 |
| Cash dividends to net income (ytd only)* | 51.2571% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,478 |
| Loan loss allowance to noncurrent loans | 104.6817% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.1453% | 1,174 |
| Noncurrent loans to loans | 1.1549% | 1,402 |
| Net loans and leases to total assets | 75.1781% | 1,694 |
| Net loans and leases to deposits | 91.2124% | 1,593 |
| Net loans and leases to core deposits | 98.0366% | 1,886 |
| Total domestic deposits to total assets | 82.4209% | 3,395 |
| Equity capital to assets | 10.2719% | 3,724 |
| Core capital (leverage) ratio | 8.8868% | 4,723 |
| Tier 1 risk-based capital ratio | 11.8330% | 4,509 |
| Total risk-based capital ratio | 13.0831% | 4,397 |
| Memoranda: | ||
| Average total assets | $1,440,923,000 | 570 |
| Average earning assets | $1,336,174,000 | 564 |
| Average equity | $144,074,670 | 641 |
| Average total loans | $1,091,503,000 | 530 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 2,842 |
| Cost of funding earning assets | 0.8990% | 2,010 |
| Net interest margin | 3.6079% | 3,227 |
| Noninterest income to average assets | 0.5567% | 2,246 |
| Noninterest expense to average assets | 2.2859% | 4,059 |
| Loan and lease loss provision to assets | 0.1112% | 1,596 |
| Net operating income to assets | 1.2662% | 1,828 |
| Return on assets (ROA) | 1.2662% | 1,876 |
| Pretax return on assets | 1.5056% | 1,747 |
| Return on Equity (ROE) | 12.8394% | 1,271 |
| Retained earnings to average equity (ytd only) | 5.6287% | 2,620 |
| Net charge-offs to loans | 0.0736% | 1,327 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 29.0700% | 1,350 |
| Efficiency ratio | 58.1018% | 4,063 |
| Assets per employee ($millions) | 5.5661% | 1,923 |
| Cash dividends to net income (ytd only)* | 56.1608% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,580 |
| Loan loss allowance to noncurrent loans | 111.2207% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.1097% | 1,247 |
| Noncurrent loans to loans | 1.0782% | 1,543 |
| Net loans and leases to total assets | 74.4903% | 1,716 |
| Net loans and leases to deposits | 90.6468% | 1,547 |
| Net loans and leases to core deposits | 97.6104% | 1,807 |
| Total domestic deposits to total assets | 82.1765% | 3,681 |
| Equity capital to assets | 9.9082% | 3,913 |
| Core capital (leverage) ratio | 8.7349% | 4,837 |
| Tier 1 risk-based capital ratio | 11.6915% | 4,630 |
| Total risk-based capital ratio | 12.9417% | 4,522 |
| Memoranda: | ||
| Average total assets | $1,438,370,500 | 572 |
| Average earning assets | $1,333,969,500 | 565 |
| Average equity | $141,844,500 | 647 |
| Average total loans | $1,087,054,500 | 534 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,812 |
| Cost of funding earning assets | 0.7108% | 2,024 |
| Net interest margin | 3.6750% | 3,139 |
| Noninterest income to average assets | 0.5580% | 2,505 |
| Noninterest expense to average assets | 2.2331% | 4,262 |
| Loan and lease loss provision to assets | 0.1380% | 1,563 |
| Net operating income to assets | 1.3393% | 1,657 |
| Return on assets (ROA) | 1.3382% | 1,647 |
| Pretax return on assets | 1.5942% | 1,486 |
| Return on Equity (ROE) | 13.9045% | 1,068 |
| Retained earnings to average equity (ytd only) | 7.7615% | 1,344 |
| Net charge-offs to loans | 0.0221% | 2,980 |
| Credit loss provision to net charge-offs | 833.3333% | 431 |
| Earnings coverage of net charge-offs (x) | 104.6970% | 720 |
| Efficiency ratio | 55.7618% | 4,439 |
| Assets per employee ($millions) | 5.5625% | 1,902 |
| Cash dividends to net income (ytd only)* | 44.1802% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,625 |
| Loan loss allowance to noncurrent loans | 93.4165% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.0068% | 1,364 |
| Noncurrent loans to loans | 1.2735% | 1,250 |
| Net loans and leases to total assets | 74.8574% | 1,792 |
| Net loans and leases to deposits | 89.7584% | 1,829 |
| Net loans and leases to core deposits | 96.7094% | 1,994 |
| Total domestic deposits to total assets | 83.3987% | 3,192 |
| Equity capital to assets | 9.8141% | 3,848 |
| Core capital (leverage) ratio | 8.6966% | 4,884 |
| Tier 1 risk-based capital ratio | 11.5798% | 4,679 |
| Total risk-based capital ratio | 12.8204% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,395,123,400 | 569 |
| Average earning assets | $1,293,973,800 | 561 |
| Average equity | $134,265,800 | 645 |
| Average total loans | $1,044,073,400 | 540 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 2,876 |
| Cost of funding earning assets | 0.6692% | 2,037 |
| Net interest margin | 3.6530% | 3,192 |
| Noninterest income to average assets | 0.5562% | 2,540 |
| Noninterest expense to average assets | 2.2131% | 4,292 |
| Loan and lease loss provision to assets | 0.1250% | 1,607 |
| Net operating income to assets | 1.3461% | 1,679 |
| Return on assets (ROA) | 1.3455% | 1,693 |
| Pretax return on assets | 1.6036% | 1,573 |
| Return on Equity (ROE) | 14.0523% | 1,105 |
| Retained earnings to average equity (ytd only) | 8.0706% | 1,612 |
| Net charge-offs to loans | 0.0138% | 2,932 |
| Credit loss provision to net charge-offs | 1,214.9533% | 335 |
| Earnings coverage of net charge-offs (x) | 168.0784% | 498 |
| Efficiency ratio | 55.5881% | 4,437 |
| Assets per employee ($millions) | 5.4545% | 1,959 |
| Cash dividends to net income (ytd only)* | 42.5672% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 2,812 |
| Loan loss allowance to noncurrent loans | 83.4884% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 1,308 |
| Noncurrent loans to loans | 1.3975% | 1,190 |
| Net loans and leases to total assets | 74.5355% | 1,893 |
| Net loans and leases to deposits | 88.7736% | 2,055 |
| Net loans and leases to core deposits | 95.6364% | 2,150 |
| Total domestic deposits to total assets | 83.9614% | 2,957 |
| Equity capital to assets | 9.6467% | 3,955 |
| Core capital (leverage) ratio | 8.6446% | 5,006 |
| Tier 1 risk-based capital ratio | 11.5889% | 4,742 |
| Total risk-based capital ratio | 12.8080% | 4,645 |
| Memoranda: | ||
| Average total assets | $1,386,516,000 | 571 |
| Average earning assets | $1,285,274,500 | 561 |
| Average equity | $132,757,750 | 650 |
| Average total loans | $1,034,339,250 | 543 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 2,812 |
| Cost of funding earning assets | 0.6352% | 2,018 |
| Net interest margin | 3.6516% | 3,114 |
| Noninterest income to average assets | 0.5433% | 2,607 |
| Noninterest expense to average assets | 2.2186% | 4,325 |
| Loan and lease loss provision to assets | 0.1196% | 1,651 |
| Net operating income to assets | 1.3422% | 1,629 |
| Return on assets (ROA) | 1.3418% | 1,639 |
| Pretax return on assets | 1.5893% | 1,533 |
| Return on Equity (ROE) | 14.0499% | 1,066 |
| Retained earnings to average equity (ytd only) | 8.1118% | 1,577 |
| Net charge-offs to loans | 0.0144% | 2,657 |
| Credit loss provision to net charge-offs | 1,114.8649% | 376 |
| Earnings coverage of net charge-offs (x) | 159.3378% | 495 |
| Efficiency ratio | 55.9291% | 4,483 |
| Assets per employee ($millions) | 5.3524% | 2,041 |
| Cash dividends to net income (ytd only)* | 42.2645% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 3,004 |
| Loan loss allowance to noncurrent loans | 99.6994% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8911% | 1,687 |
| Noncurrent loans to loans | 1.1493% | 1,521 |
| Net loans and leases to total assets | 73.7442% | 1,990 |
| Net loans and leases to deposits | 91.4754% | 1,646 |
| Net loans and leases to core deposits | 97.1473% | 1,948 |
| Total domestic deposits to total assets | 80.6164% | 4,096 |
| Equity capital to assets | 9.5768% | 4,029 |
| Core capital (leverage) ratio | 8.5092% | 5,103 |
| Tier 1 risk-based capital ratio | 11.4548% | 4,802 |
| Total risk-based capital ratio | 12.6455% | 4,747 |
| Memoranda: | ||
| Average total assets | $1,379,601,670 | 572 |
| Average earning assets | $1,278,734,670 | 563 |
| Average equity | $131,759,000 | 651 |
| Average total loans | $1,025,355,330 | 546 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2133% | 2,847 |
| Cost of funding earning assets | 0.5916% | 2,106 |
| Net interest margin | 3.6217% | 3,101 |
| Noninterest income to average assets | 0.5590% | 2,474 |
| Noninterest expense to average assets | 2.2616% | 4,268 |
| Loan and lease loss provision to assets | 0.1459% | 1,275 |
| Net operating income to assets | 1.2791% | 1,716 |
| Return on assets (ROA) | 1.2791% | 1,721 |
| Pretax return on assets | 1.5079% | 1,669 |
| Return on Equity (ROE) | 13.4123% | 1,155 |
| Retained earnings to average equity (ytd only) | 6.9356% | 2,306 |
| Net charge-offs to loans | 0.0405% | 1,726 |
| Credit loss provision to net charge-offs | 485.4369% | 614 |
| Earnings coverage of net charge-offs (x) | 55.0291% | 888 |
| Efficiency ratio | 57.1950% | 4,444 |
| Assets per employee ($millions) | 5.2347% | 2,212 |
| Cash dividends to net income (ytd only)* | 48.2892% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,241 |
| Loan loss allowance to noncurrent loans | 97.6817% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 1,707 |
| Noncurrent loans to loans | 1.1495% | 1,585 |
| Net loans and leases to total assets | 73.8363% | 1,887 |
| Net loans and leases to deposits | 90.9047% | 1,574 |
| Net loans and leases to core deposits | 96.6352% | 1,931 |
| Total domestic deposits to total assets | 81.2238% | 4,148 |
| Equity capital to assets | 9.4858% | 4,104 |
| Core capital (leverage) ratio | 8.4116% | 5,195 |
| Tier 1 risk-based capital ratio | 11.3023% | 4,978 |
| Total risk-based capital ratio | 12.4751% | 4,916 |
| Memoranda: | ||
| Average total assets | $1,370,914,000 | 582 |
| Average earning assets | $1,270,462,500 | 573 |
| Average equity | $130,745,500 | 654 |
| Average total loans | $1,016,967,500 | 553 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 2,985 |
| Cost of funding earning assets | 0.4747% | 2,554 |
| Net interest margin | 3.6454% | 3,001 |
| Noninterest income to average assets | 0.6031% | 2,433 |
| Noninterest expense to average assets | 2.2841% | 4,378 |
| Loan and lease loss provision to assets | 0.2005% | 1,032 |
| Net operating income to assets | 1.0072% | 2,210 |
| Return on assets (ROA) | 1.0080% | 2,243 |
| Pretax return on assets | 1.4749% | 1,737 |
| Return on Equity (ROE) | 9.8789% | 1,945 |
| Retained earnings to average equity (ytd only) | 4.0701% | 2,739 |
| Net charge-offs to loans | 0.0265% | 3,278 |
| Credit loss provision to net charge-offs | 1,076.2712% | 336 |
| Earnings coverage of net charge-offs (x) | 89.8602% | 700 |
| Efficiency ratio | 57.1104% | 4,635 |
| Assets per employee ($millions) | 5.3750% | 2,079 |
| Cash dividends to net income (ytd only)* | 58.8000% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 3,260 |
| Loan loss allowance to noncurrent loans | 104.3259% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 1,788 |
| Noncurrent loans to loans | 1.0705% | 1,664 |
| Net loans and leases to total assets | 72.8578% | 2,112 |
| Net loans and leases to deposits | 89.2982% | 1,855 |
| Net loans and leases to core deposits | 94.7961% | 2,127 |
| Total domestic deposits to total assets | 81.5893% | 3,974 |
| Equity capital to assets | 9.5893% | 4,153 |
| Core capital (leverage) ratio | 8.7109% | 4,943 |
| Tier 1 risk-based capital ratio | 11.4180% | 4,908 |
| Total risk-based capital ratio | 12.5848% | 4,838 |
| Memoranda: | ||
| Average total assets | $1,266,625,600 | 602 |
| Average earning assets | $1,165,830,800 | 603 |
| Average equity | $129,235,000 | 638 |
| Average total loans | $889,464,800 | 596 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1005% | 2,980 |
| Cost of funding earning assets | 0.4615% | 2,602 |
| Net interest margin | 3.6390% | 2,999 |
| Noninterest income to average assets | 0.6114% | 2,416 |
| Noninterest expense to average assets | 2.2909% | 4,325 |
| Loan and lease loss provision to assets | 0.1866% | 1,050 |
| Net operating income to assets | 1.1350% | 1,934 |
| Return on assets (ROA) | 1.1388% | 1,974 |
| Pretax return on assets | 1.4842% | 1,824 |
| Return on Equity (ROE) | 10.9803% | 1,709 |
| Retained earnings to average equity (ytd only) | 5.2859% | 2,700 |
| Net charge-offs to loans | 0.0277% | 2,881 |
| Credit loss provision to net charge-offs | 972.0670% | 365 |
| Earnings coverage of net charge-offs (x) | 86.7824% | 765 |
| Efficiency ratio | 57.2946% | 4,585 |
| Assets per employee ($millions) | 5.0721% | 2,362 |
| Cash dividends to net income (ytd only)* | 51.8599% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 3,203 |
| Loan loss allowance to noncurrent loans | 87.1019% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0697% | 1,566 |
| Noncurrent loans to loans | 1.3201% | 1,447 |
| Net loans and leases to total assets | 70.8303% | 2,437 |
| Net loans and leases to deposits | 85.0321% | 2,429 |
| Net loans and leases to core deposits | 90.0788% | 2,603 |
| Total domestic deposits to total assets | 83.2982% | 3,358 |
| Equity capital to assets | 10.3642% | 3,522 |
| Core capital (leverage) ratio | 9.1465% | 4,573 |
| Tier 1 risk-based capital ratio | 12.6403% | 4,238 |
| Total risk-based capital ratio | 13.8267% | 4,178 |
| Memoranda: | ||
| Average total assets | $1,243,313,500 | 616 |
| Average earning assets | $1,142,989,750 | 612 |
| Average equity | $128,943,250 | 643 |
| Average total loans | $861,340,000 | 610 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 2,956 |
| Cost of funding earning assets | 0.4464% | 2,638 |
| Net interest margin | 3.6191% | 2,952 |
| Noninterest income to average assets | 0.6134% | 2,394 |
| Noninterest expense to average assets | 2.3009% | 4,348 |
| Loan and lease loss provision to assets | 0.2008% | 916 |
| Net operating income to assets | 1.1079% | 1,936 |
| Return on assets (ROA) | 1.1125% | 1,964 |
| Pretax return on assets | 1.4394% | 1,860 |
| Return on Equity (ROE) | 10.7245% | 1,746 |
| Retained earnings to average equity (ytd only) | 6.0367% | 2,091 |
| Net charge-offs to loans | 0.0348% | 2,493 |
| Credit loss provision to net charge-offs | 843.5374% | 440 |
| Earnings coverage of net charge-offs (x) | 68.6531% | 851 |
| Efficiency ratio | 57.8577% | 4,612 |
| Assets per employee ($millions) | 5.0128% | 2,372 |
| Cash dividends to net income (ytd only)* | 43.7118% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,454 |
| Loan loss allowance to noncurrent loans | 80.9787% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0700% | 1,632 |
| Noncurrent loans to loans | 1.3870% | 1,395 |
| Net loans and leases to total assets | 69.5408% | 2,589 |
| Net loans and leases to deposits | 83.2845% | 2,569 |
| Net loans and leases to core deposits | 87.7745% | 2,720 |
| Total domestic deposits to total assets | 83.4979% | 3,403 |
| Equity capital to assets | 10.3258% | 3,543 |
| Core capital (leverage) ratio | 9.2061% | 4,479 |
| Tier 1 risk-based capital ratio | 12.6949% | 4,187 |
| Total risk-based capital ratio | 13.8474% | 4,150 |
| Memoranda: | ||
| Average total assets | $1,235,076,000 | 616 |
| Average earning assets | $1,133,601,000 | 616 |
| Average equity | $128,117,330 | 646 |
| Average total loans | $845,589,000 | 622 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 2,924 |
| Cost of funding earning assets | 0.4404% | 2,611 |
| Net interest margin | 3.5913% | 2,917 |
| Noninterest income to average assets | 0.6198% | 2,319 |
| Noninterest expense to average assets | 2.3342% | 4,312 |
| Loan and lease loss provision to assets | 0.2015% | 816 |
| Net operating income to assets | 1.0740% | 1,964 |
| Return on assets (ROA) | 1.0778% | 2,000 |
| Pretax return on assets | 1.3805% | 1,949 |
| Return on Equity (ROE) | 10.3658% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.7059% | 2,491 |
| Net charge-offs to loans | 0.0466% | 1,918 |
| Credit loss provision to net charge-offs | 640.6250% | 489 |
| Earnings coverage of net charge-offs (x) | 50.1458% | 892 |
| Efficiency ratio | 59.0585% | 4,580 |
| Assets per employee ($millions) | 4.8107% | 2,684 |
| Cash dividends to net income (ytd only)* | 44.9544% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,654 |
| Loan loss allowance to noncurrent loans | 81.8039% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0430% | 1,741 |
| Noncurrent loans to loans | 1.3576% | 1,483 |
| Net loans and leases to total assets | 68.5379% | 2,599 |
| Net loans and leases to deposits | 80.5311% | 2,680 |
| Net loans and leases to core deposits | 85.0629% | 2,809 |
| Total domestic deposits to total assets | 85.1074% | 3,043 |
| Equity capital to assets | 10.4704% | 3,214 |
| Core capital (leverage) ratio | 9.1908% | 4,490 |
| Tier 1 risk-based capital ratio | 12.9955% | 4,084 |
| Total risk-based capital ratio | 14.1312% | 4,054 |
| Memoranda: | ||
| Average total assets | $1,220,997,000 | 627 |
| Average earning assets | $1,119,048,000 | 622 |
| Average equity | $126,956,500 | 649 |
| Average total loans | $824,162,500 | 643 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 3,429 |
| Cost of funding earning assets | 0.4381% | 2,629 |
| Net interest margin | 3.4993% | 3,434 |
| Noninterest income to average assets | 0.6475% | 2,428 |
| Noninterest expense to average assets | 2.3827% | 4,342 |
| Loan and lease loss provision to assets | 0.1279% | 1,942 |
| Net operating income to assets | 1.0769% | 2,004 |
| Return on assets (ROA) | 1.0921% | 2,029 |
| Pretax return on assets | 1.3649% | 2,049 |
| Return on Equity (ROE) | 10.4128% | 1,801 |
| Retained earnings to average equity (ytd only) | 5.7259% | 1,867 |
| Net charge-offs to loans | -0.0355% | 5,303 |
| Credit loss provision to net charge-offs | -584.6154% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0704% | 4,407 |
| Assets per employee ($millions) | 4.8034% | 2,646 |
| Cash dividends to net income (ytd only)* | 45.0112% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 3,662 |
| Loan loss allowance to noncurrent loans | 74.9304% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0569% | 1,783 |
| Noncurrent loans to loans | 1.4797% | 1,366 |
| Net loans and leases to total assets | 64.9596% | 3,223 |
| Net loans and leases to deposits | 78.6459% | 3,024 |
| Net loans and leases to core deposits | 83.2291% | 3,106 |
| Total domestic deposits to total assets | 82.5976% | 3,897 |
| Equity capital to assets | 10.3251% | 3,356 |
| Core capital (leverage) ratio | 9.1317% | 4,582 |
| Tier 1 risk-based capital ratio | 13.3395% | 3,866 |
| Total risk-based capital ratio | 14.4614% | 3,865 |
| Memoranda: | ||
| Average total assets | $1,188,479,800 | 617 |
| Average earning assets | $1,089,883,000 | 610 |
| Average equity | $124,644,400 | 641 |
| Average total loans | $732,124,000 | 685 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 3,565 |
| Cost of funding earning assets | 0.4369% | 2,669 |
| Net interest margin | 3.4696% | 3,588 |
| Noninterest income to average assets | 0.6506% | 2,419 |
| Noninterest expense to average assets | 2.3954% | 4,291 |
| Loan and lease loss provision to assets | 0.0870% | 2,488 |
| Net operating income to assets | 1.0860% | 2,061 |
| Return on assets (ROA) | 1.1000% | 2,096 |
| Pretax return on assets | 1.3722% | 2,153 |
| Return on Equity (ROE) | 10.4465% | 1,890 |
| Retained earnings to average equity (ytd only) | 5.7499% | 2,326 |
| Net charge-offs to loans | -0.0593% | 5,418 |
| Credit loss provision to net charge-offs | -242.1384% | 4,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7071% | 4,279 |
| Assets per employee ($millions) | 4.5786% | 2,956 |
| Cash dividends to net income (ytd only)* | 44.9589% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,884 |
| Loan loss allowance to noncurrent loans | 77.5066% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 2,105 |
| Noncurrent loans to loans | 1.4061% | 1,562 |
| Net loans and leases to total assets | 62.2312% | 3,619 |
| Net loans and leases to deposits | 73.4608% | 3,644 |
| Net loans and leases to core deposits | 77.4935% | 3,706 |
| Total domestic deposits to total assets | 84.7135% | 2,937 |
| Equity capital to assets | 10.6416% | 3,417 |
| Core capital (leverage) ratio | 9.1240% | 4,690 |
| Tier 1 risk-based capital ratio | 13.9831% | 3,562 |
| Total risk-based capital ratio | 15.0864% | 3,571 |
| Memoranda: | ||
| Average total assets | $1,180,582,500 | 620 |
| Average earning assets | $1,084,213,750 | 613 |
| Average equity | $124,312,250 | 643 |
| Average total loans | $714,795,500 | 706 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 3,734 |
| Cost of funding earning assets | 0.4413% | 2,646 |
| Net interest margin | 3.4203% | 3,804 |
| Noninterest income to average assets | 0.6466% | 2,385 |
| Noninterest expense to average assets | 2.3911% | 4,362 |
| Loan and lease loss provision to assets | 0.0459% | 3,229 |
| Net operating income to assets | 1.0844% | 2,011 |
| Return on assets (ROA) | 1.1055% | 2,065 |
| Pretax return on assets | 1.3759% | 2,112 |
| Return on Equity (ROE) | 10.5366% | 1,834 |
| Retained earnings to average equity (ytd only) | 5.8252% | 2,224 |
| Net charge-offs to loans | 0.0048% | 3,530 |
| Credit loss provision to net charge-offs | 1,588.2353% | 255 |
| Earnings coverage of net charge-offs (x) | 482.5882% | 142 |
| Efficiency ratio | 62.4096% | 4,283 |
| Assets per employee ($millions) | 4.6890% | 2,737 |
| Cash dividends to net income (ytd only)* | 44.7146% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 4,311 |
| Loan loss allowance to noncurrent loans | 65.0663% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 1,936 |
| Noncurrent loans to loans | 1.5920% | 1,349 |
| Net loans and leases to total assets | 59.7367% | 3,918 |
| Net loans and leases to deposits | 69.8079% | 4,000 |
| Net loans and leases to core deposits | 73.6118% | 4,019 |
| Total domestic deposits to total assets | 85.5731% | 2,619 |
| Equity capital to assets | 10.7241% | 3,370 |
| Core capital (leverage) ratio | 8.9465% | 4,891 |
| Tier 1 risk-based capital ratio | 14.3879% | 3,386 |
| Total risk-based capital ratio | 15.4313% | 3,422 |
| Memoranda: | ||
| Average total assets | $1,175,770,330 | 621 |
| Average earning assets | $1,079,449,670 | 613 |
| Average equity | $123,360,000 | 650 |
| Average total loans | $702,437,670 | 715 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 3,698 |
| Cost of funding earning assets | 0.4425% | 2,661 |
| Net interest margin | 3.4269% | 3,779 |
| Noninterest income to average assets | 0.6562% | 2,232 |
| Noninterest expense to average assets | 2.3329% | 4,567 |
| Loan and lease loss provision to assets | 0.0460% | 3,000 |
| Net operating income to assets | 1.1394% | 1,751 |
| Return on assets (ROA) | 1.1467% | 1,838 |
| Pretax return on assets | 1.4336% | 1,794 |
| Return on Equity (ROE) | 11.0520% | 1,583 |
| Retained earnings to average equity (ytd only) | 6.3281% | 2,219 |
| Net charge-offs to loans | -0.0195% | 4,840 |
| Credit loss provision to net charge-offs | -397.0588% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6050% | 4,664 |
| Assets per employee ($millions) | 4.8578% | 2,505 |
| Cash dividends to net income (ytd only)* | 42.7427% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 4,402 |
| Loan loss allowance to noncurrent loans | 95.6985% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 2,870 |
| Noncurrent loans to loans | 1.0840% | 2,222 |
| Net loans and leases to total assets | 58.3102% | 4,008 |
| Net loans and leases to deposits | 67.9156% | 4,069 |
| Net loans and leases to core deposits | 71.6165% | 4,095 |
| Total domestic deposits to total assets | 85.8568% | 2,730 |
| Equity capital to assets | 10.3763% | 3,645 |
| Core capital (leverage) ratio | 8.8514% | 5,026 |
| Tier 1 risk-based capital ratio | 14.5931% | 3,345 |
| Total risk-based capital ratio | 15.6530% | 3,378 |
| Memoranda: | ||
| Average total assets | $1,175,190,000 | 620 |
| Average earning assets | $1,079,236,500 | 617 |
| Average equity | $121,932,500 | 657 |
| Average total loans | $698,447,000 | 718 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 3,669 |
| Cost of funding earning assets | 0.5039% | 2,125 |
| Net interest margin | 3.4063% | 3,884 |
| Noninterest income to average assets | 0.6737% | 2,330 |
| Noninterest expense to average assets | 2.2562% | 4,905 |
| Loan and lease loss provision to assets | 0.0489% | 3,351 |
| Net operating income to assets | 1.2320% | 1,445 |
| Return on assets (ROA) | 1.2612% | 1,409 |
| Pretax return on assets | 1.5644% | 1,364 |
| Return on Equity (ROE) | 11.7502% | 1,371 |
| Retained earnings to average equity (ytd only) | 6.4473% | 1,566 |
| Net charge-offs to loans | 0.0318% | 3,584 |
| Credit loss provision to net charge-offs | 253.9683% | 1,135 |
| Earnings coverage of net charge-offs (x) | 81.8677% | 686 |
| Efficiency ratio | 58.7874% | 5,051 |
| Assets per employee ($millions) | 5.4216% | 1,884 |
| Cash dividends to net income (ytd only)* | 45.1297% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 4,482 |
| Loan loss allowance to noncurrent loans | 99.3290% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 2,861 |
| Noncurrent loans to loans | 1.0284% | 2,279 |
| Net loans and leases to total assets | 59.3447% | 3,927 |
| Net loans and leases to deposits | 69.3644% | 3,988 |
| Net loans and leases to core deposits | 73.4386% | 3,999 |
| Total domestic deposits to total assets | 85.5550% | 2,838 |
| Equity capital to assets | 10.3748% | 3,529 |
| Core capital (leverage) ratio | 10.3535% | 3,100 |
| Tier 1 risk-based capital ratio | 14.3094% | 3,544 |
| Total risk-based capital ratio | 15.3404% | 3,585 |
| Memoranda: | ||
| Average total assets | $980,923,800 | 705 |
| Average earning assets | $909,977,600 | 692 |
| Average equity | $105,283,600 | 734 |
| Average total loans | $594,700,600 | 785 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,200 |
| Cost of funding earning assets | 0.5254% | 1,995 |
| Net interest margin | 3.5068% | 3,508 |
| Noninterest income to average assets | 0.6939% | 2,258 |
| Noninterest expense to average assets | 2.2440% | 4,927 |
| Loan and lease loss provision to assets | 0.0513% | 3,180 |
| Net operating income to assets | 1.3299% | 1,264 |
| Return on assets (ROA) | 1.3702% | 1,231 |
| Pretax return on assets | 1.7134% | 1,068 |
| Return on Equity (ROE) | 12.6353% | 1,213 |
| Retained earnings to average equity (ytd only) | 7.1779% | 1,608 |
| Net charge-offs to loans | 0.0304% | 3,321 |
| Credit loss provision to net charge-offs | 276.9231% | 1,042 |
| Earnings coverage of net charge-offs (x) | 92.5841% | 665 |
| Efficiency ratio | 56.6910% | 5,259 |
| Assets per employee ($millions) | 4.9854% | 2,315 |
| Cash dividends to net income (ytd only)* | 43.1912% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 3,618 |
| Loan loss allowance to noncurrent loans | 100.8301% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 2,665 |
| Noncurrent loans to loans | 1.1959% | 2,136 |
| Net loans and leases to total assets | 60.6176% | 3,794 |
| Net loans and leases to deposits | 71.8250% | 3,792 |
| Net loans and leases to core deposits | 76.9601% | 3,695 |
| Total domestic deposits to total assets | 84.3963% | 3,263 |
| Equity capital to assets | 10.9398% | 3,092 |
| Core capital (leverage) ratio | 10.2614% | 3,295 |
| Tier 1 risk-based capital ratio | 16.2889% | 2,679 |
| Total risk-based capital ratio | 17.5138% | 2,640 |
| Memoranda: | ||
| Average total assets | $936,100,000 | 739 |
| Average earning assets | $871,396,250 | 732 |
| Average equity | $101,512,000 | 764 |
| Average total loans | $569,467,250 | 828 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,134 |
| Cost of funding earning assets | 0.5250% | 2,032 |
| Net interest margin | 3.5130% | 3,449 |
| Noninterest income to average assets | 0.7040% | 2,200 |
| Noninterest expense to average assets | 2.2198% | 5,058 |
| Loan and lease loss provision to assets | 0.0516% | 3,084 |
| Net operating income to assets | 1.3628% | 1,156 |
| Return on assets (ROA) | 1.4015% | 1,123 |
| Pretax return on assets | 1.7539% | 969 |
| Return on Equity (ROE) | 12.9629% | 1,123 |
| Retained earnings to average equity (ytd only) | 7.8628% | 1,320 |
| Net charge-offs to loans | 0.0340% | 2,986 |
| Credit loss provision to net charge-offs | 250.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 85.1771% | 671 |
| Efficiency ratio | 55.8167% | 5,448 |
| Assets per employee ($millions) | 4.9244% | 2,368 |
| Cash dividends to net income (ytd only)* | 39.3438% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 3,703 |
| Loan loss allowance to noncurrent loans | 94.1423% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.9789% | 2,568 |
| Noncurrent loans to loans | 1.2905% | 2,089 |
| Net loans and leases to total assets | 60.1609% | 3,808 |
| Net loans and leases to deposits | 70.7989% | 3,843 |
| Net loans and leases to core deposits | 75.5671% | 3,808 |
| Total domestic deposits to total assets | 84.9743% | 3,132 |
| Equity capital to assets | 10.8407% | 3,063 |
| Core capital (leverage) ratio | 10.1785% | 3,363 |
| Tier 1 risk-based capital ratio | 16.3843% | 2,666 |
| Total risk-based capital ratio | 17.6200% | 2,631 |
| Memoranda: | ||
| Average total assets | $930,727,330 | 748 |
| Average earning assets | $867,123,330 | 742 |
| Average equity | $100,625,670 | 773 |
| Average total loans | $564,537,330 | 835 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 2,996 |
| Cost of funding earning assets | 0.5226% | 2,083 |
| Net interest margin | 3.5376% | 3,272 |
| Noninterest income to average assets | 0.6934% | 2,182 |
| Noninterest expense to average assets | 2.2601% | 4,972 |
| Loan and lease loss provision to assets | 0.0518% | 2,900 |
| Net operating income to assets | 1.3455% | 1,148 |
| Return on assets (ROA) | 1.3890% | 1,103 |
| Pretax return on assets | 1.7321% | 988 |
| Return on Equity (ROE) | 12.8655% | 1,127 |
| Retained earnings to average equity (ytd only) | 7.7433% | 1,666 |
| Net charge-offs to loans | 0.0093% | 3,024 |
| Credit loss provision to net charge-offs | 923.0769% | 356 |
| Earnings coverage of net charge-offs (x) | 307.9231% | 181 |
| Efficiency ratio | 56.6493% | 5,470 |
| Assets per employee ($millions) | 4.8600% | 2,544 |
| Cash dividends to net income (ytd only)* | 39.8134% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 3,824 |
| Loan loss allowance to noncurrent loans | 91.6457% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 2,619 |
| Noncurrent loans to loans | 1.3340% | 2,157 |
| Net loans and leases to total assets | 60.2504% | 3,618 |
| Net loans and leases to deposits | 70.2694% | 3,724 |
| Net loans and leases to core deposits | 75.3880% | 3,654 |
| Total domestic deposits to total assets | 85.7420% | 3,072 |
| Equity capital to assets | 10.9207% | 3,066 |
| Core capital (leverage) ratio | 10.1547% | 3,400 |
| Tier 1 risk-based capital ratio | 16.3281% | 2,769 |
| Total risk-based capital ratio | 17.5829% | 2,706 |
| Memoranda: | ||
| Average total assets | $925,815,500 | 755 |
| Average earning assets | $862,610,000 | 746 |
| Average equity | $99,957,500 | 777 |
| Average total loans | $560,404,500 | 834 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 3,158 |
| Cost of funding earning assets | 0.5551% | 2,172 |
| Net interest margin | 3.5870% | 3,455 |
| Noninterest income to average assets | 0.7407% | 2,123 |
| Noninterest expense to average assets | 2.1463% | 5,462 |
| Loan and lease loss provision to assets | 0.0641% | 3,225 |
| Net operating income to assets | 1.4690% | 936 |
| Return on assets (ROA) | 1.5217% | 871 |
| Pretax return on assets | 1.9420% | 572 |
| Return on Equity (ROE) | 13.7641% | 978 |
| Retained earnings to average equity (ytd only) | -0.4441% | 5,840 |
| Net charge-offs to loans | 0.1599% | 2,431 |
| Credit loss provision to net charge-offs | 67.3963% | 3,128 |
| Earnings coverage of net charge-offs (x) | 20.3779% | 1,729 |
| Efficiency ratio | 52.5422% | 5,947 |
| Assets per employee ($millions) | 4.8855% | 2,479 |
| Cash dividends to net income (ytd only)* | 103.2267% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 3,837 |
| Loan loss allowance to noncurrent loans | 91.6611% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 2,749 |
| Noncurrent loans to loans | 1.3406% | 2,192 |
| Net loans and leases to total assets | 59.3252% | 3,871 |
| Net loans and leases to deposits | 70.0634% | 3,900 |
| Net loans and leases to core deposits | 74.8695% | 3,832 |
| Total domestic deposits to total assets | 84.6736% | 3,430 |
| Equity capital to assets | 10.6721% | 3,274 |
| Core capital (leverage) ratio | 10.0093% | 3,560 |
| Tier 1 risk-based capital ratio | 15.7468% | 3,105 |
| Total risk-based capital ratio | 16.9644% | 3,052 |
| Memoranda: | ||
| Average total assets | $912,398,400 | 728 |
| Average earning assets | $850,655,800 | 718 |
| Average equity | $100,870,800 | 728 |
| Average total loans | $542,777,200 | 811 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 3,148 |
| Cost of funding earning assets | 0.5610% | 2,186 |
| Net interest margin | 3.5953% | 3,446 |
| Noninterest income to average assets | 0.7310% | 2,180 |
| Noninterest expense to average assets | 2.1505% | 5,463 |
| Loan and lease loss provision to assets | 0.0704% | 2,941 |
| Net operating income to assets | 1.4558% | 1,014 |
| Return on assets (ROA) | 1.5116% | 947 |
| Pretax return on assets | 1.9334% | 663 |
| Return on Equity (ROE) | 13.5534% | 1,082 |
| Retained earnings to average equity (ytd only) | 6.2477% | 2,251 |
| Net charge-offs to loans | 0.1882% | 1,958 |
| Credit loss provision to net charge-offs | 62.9921% | 2,889 |
| Earnings coverage of net charge-offs (x) | 17.3006% | 1,913 |
| Efficiency ratio | 52.6728% | 5,948 |
| Assets per employee ($millions) | 4.9265% | 2,342 |
| Cash dividends to net income (ytd only)* | 53.9028% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 3,936 |
| Loan loss allowance to noncurrent loans | 90.6986% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.9962% | 2,960 |
| Noncurrent loans to loans | 1.3801% | 2,342 |
| Net loans and leases to total assets | 58.9958% | 3,937 |
| Net loans and leases to deposits | 69.9143% | 3,926 |
| Net loans and leases to core deposits | 74.8956% | 3,857 |
| Total domestic deposits to total assets | 84.3830% | 3,600 |
| Equity capital to assets | 11.4775% | 2,505 |
| Core capital (leverage) ratio | 10.5864% | 2,941 |
| Tier 1 risk-based capital ratio | 16.7394% | 2,709 |
| Total risk-based capital ratio | 17.9843% | 2,665 |
| Memoranda: | ||
| Average total assets | $909,657,250 | 738 |
| Average earning assets | $848,051,250 | 724 |
| Average equity | $101,453,000 | 720 |
| Average total loans | $539,821,000 | 817 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 3,083 |
| Cost of funding earning assets | 0.5650% | 2,207 |
| Net interest margin | 3.5995% | 3,361 |
| Noninterest income to average assets | 0.7273% | 2,156 |
| Noninterest expense to average assets | 2.1659% | 5,493 |
| Loan and lease loss provision to assets | 0.0726% | 2,821 |
| Net operating income to assets | 1.4441% | 974 |
| Return on assets (ROA) | 1.4863% | 927 |
| Pretax return on assets | 1.8967% | 691 |
| Return on Equity (ROE) | 13.4579% | 1,062 |
| Retained earnings to average equity (ytd only) | 8.5596% | 1,127 |
| Net charge-offs to loans | 0.2516% | 1,549 |
| Credit loss provision to net charge-offs | 48.7445% | 2,811 |
| Earnings coverage of net charge-offs (x) | 12.8582% | 2,027 |
| Efficiency ratio | 53.0728% | 5,990 |
| Assets per employee ($millions) | 4.7767% | 2,510 |
| Cash dividends to net income (ytd only)* | 36.3973% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 4,164 |
| Loan loss allowance to noncurrent loans | 85.3585% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 3,049 |
| Noncurrent loans to loans | 1.4635% | 2,366 |
| Net loans and leases to total assets | 58.4938% | 3,921 |
| Net loans and leases to deposits | 69.6564% | 3,863 |
| Net loans and leases to core deposits | 74.7260% | 3,757 |
| Total domestic deposits to total assets | 83.9748% | 3,926 |
| Equity capital to assets | 11.3662% | 2,536 |
| Core capital (leverage) ratio | 10.6606% | 2,761 |
| Tier 1 risk-based capital ratio | 16.8158% | 2,702 |
| Total risk-based capital ratio | 18.0659% | 2,664 |
| Memoranda: | ||
| Average total assets | $909,074,000 | 738 |
| Average earning assets | $847,014,670 | 721 |
| Average equity | $100,401,670 | 725 |
| Average total loans | $538,258,670 | 812 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 3,116 |
| Cost of funding earning assets | 0.5727% | 2,222 |
| Net interest margin | 3.5713% | 3,383 |
| Noninterest income to average assets | 0.6974% | 2,180 |
| Noninterest expense to average assets | 2.1802% | 5,508 |
| Loan and lease loss provision to assets | 0.0793% | 2,560 |
| Net operating income to assets | 1.3857% | 1,015 |
| Return on assets (ROA) | 1.4445% | 941 |
| Pretax return on assets | 1.8448% | 739 |
| Return on Equity (ROE) | 13.2736% | 1,092 |
| Retained earnings to average equity (ytd only) | 8.3360% | 1,479 |
| Net charge-offs to loans | 0.0335% | 2,924 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 93.2000% | 482 |
| Efficiency ratio | 54.1138% | 6,001 |
| Assets per employee ($millions) | 4.7924% | 2,528 |
| Cash dividends to net income (ytd only)* | 37.1987% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 3,818 |
| Loan loss allowance to noncurrent loans | 78.9284% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.1696% | 2,917 |
| Noncurrent loans to loans | 1.7178% | 2,255 |
| Net loans and leases to total assets | 58.4077% | 3,782 |
| Net loans and leases to deposits | 69.7130% | 3,640 |
| Net loans and leases to core deposits | 74.9174% | 3,537 |
| Total domestic deposits to total assets | 83.7831% | 4,352 |
| Equity capital to assets | 11.1526% | 2,571 |
| Core capital (leverage) ratio | 10.3882% | 3,062 |
| Tier 1 risk-based capital ratio | 16.5506% | 2,872 |
| Total risk-based capital ratio | 17.8368% | 2,827 |
| Memoranda: | ||
| Average total assets | $907,433,500 | 747 |
| Average earning assets | $846,531,000 | 726 |
| Average equity | $98,752,500 | 736 |
| Average total loans | $537,177,000 | 817 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 2,818 |
| Cost of funding earning assets | 0.7046% | 1,778 |
| Net interest margin | 3.6321% | 3,323 |
| Noninterest income to average assets | 0.7695% | 2,218 |
| Noninterest expense to average assets | 2.1629% | 5,704 |
| Loan and lease loss provision to assets | 0.0455% | 4,208 |
| Net operating income to assets | 1.5256% | 779 |
| Return on assets (ROA) | 1.5483% | 786 |
| Pretax return on assets | 1.9951% | 488 |
| Return on Equity (ROE) | 14.5531% | 841 |
| Retained earnings to average equity (ytd only) | 10.1784% | 533 |
| Net charge-offs to loans | 0.0176% | 5,095 |
| Credit loss provision to net charge-offs | 445.0549% | 514 |
| Earnings coverage of net charge-offs (x) | 196.7363% | 228 |
| Efficiency ratio | 51.8115% | 6,308 |
| Assets per employee ($millions) | 4.9135% | 2,291 |
| Cash dividends to net income (ytd only)* | 30.0602% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 4,083 |
| Loan loss allowance to noncurrent loans | 80.7325% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 3,184 |
| Noncurrent loans to loans | 1.6255% | 2,463 |
| Net loans and leases to total assets | 58.4078% | 3,967 |
| Net loans and leases to deposits | 71.1792% | 3,631 |
| Net loans and leases to core deposits | 76.8070% | 3,515 |
| Total domestic deposits to total assets | 82.0574% | 4,853 |
| Equity capital to assets | 10.6164% | 3,027 |
| Core capital (leverage) ratio | 10.1852% | 3,314 |
| Tier 1 risk-based capital ratio | 16.0612% | 3,071 |
| Total risk-based capital ratio | 17.3396% | 3,013 |
| Memoranda: | ||
| Average total assets | $889,968,000 | 742 |
| Average earning assets | $834,349,000 | 716 |
| Average equity | $94,681,000 | 743 |
| Average total loans | $517,531,400 | 823 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 2,676 |
| Cost of funding earning assets | 0.7251% | 1,776 |
| Net interest margin | 3.6496% | 3,234 |
| Noninterest income to average assets | 0.7575% | 2,332 |
| Noninterest expense to average assets | 2.1478% | 5,724 |
| Loan and lease loss provision to assets | 0.0475% | 4,065 |
| Net operating income to assets | 1.5383% | 839 |
| Return on assets (ROA) | 1.5759% | 834 |
| Pretax return on assets | 2.0353% | 538 |
| Return on Equity (ROE) | 14.8045% | 833 |
| Retained earnings to average equity (ytd only) | 10.7378% | 631 |
| Net charge-offs to loans | 0.0076% | 5,016 |
| Credit loss provision to net charge-offs | 1,086.2069% | 284 |
| Earnings coverage of net charge-offs (x) | 464.9827% | 125 |
| Efficiency ratio | 51.3597% | 6,302 |
| Assets per employee ($millions) | 4.7223% | 2,542 |
| Cash dividends to net income (ytd only)* | 27.4694% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 4,117 |
| Loan loss allowance to noncurrent loans | 76.1443% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0907% | 3,476 |
| Noncurrent loans to loans | 1.7767% | 2,531 |
| Net loans and leases to total assets | 57.4565% | 4,095 |
| Net loans and leases to deposits | 67.8613% | 4,076 |
| Net loans and leases to core deposits | 72.9010% | 3,985 |
| Total domestic deposits to total assets | 84.6676% | 3,896 |
| Equity capital to assets | 10.6305% | 3,128 |
| Core capital (leverage) ratio | 10.0449% | 3,612 |
| Tier 1 risk-based capital ratio | 16.3863% | 2,993 |
| Total risk-based capital ratio | 17.6550% | 2,946 |
| Memoranda: | ||
| Average total assets | $883,984,000 | 753 |
| Average earning assets | $829,441,250 | 723 |
| Average equity | $94,095,250 | 752 |
| Average total loans | $511,692,000 | 827 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 2,809 |
| Cost of funding earning assets | 0.7408% | 1,764 |
| Net interest margin | 3.5946% | 3,381 |
| Noninterest income to average assets | 0.7556% | 2,390 |
| Noninterest expense to average assets | 2.1433% | 5,770 |
| Loan and lease loss provision to assets | 0.0512% | 3,967 |
| Net operating income to assets | 1.5080% | 886 |
| Return on assets (ROA) | 1.5505% | 888 |
| Pretax return on assets | 1.9942% | 612 |
| Return on Equity (ROE) | 14.5601% | 895 |
| Retained earnings to average equity (ytd only) | 10.5075% | 744 |
| Net charge-offs to loans | 0.0079% | 4,731 |
| Credit loss provision to net charge-offs | 1,125.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 437.7500% | 111 |
| Efficiency ratio | 51.8453% | 6,287 |
| Assets per employee ($millions) | 4.6901% | 2,529 |
| Cash dividends to net income (ytd only)* | 27.8340% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 4,253 |
| Loan loss allowance to noncurrent loans | 82.6221% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 3,672 |
| Noncurrent loans to loans | 1.6377% | 2,861 |
| Net loans and leases to total assets | 58.0978% | 3,968 |
| Net loans and leases to deposits | 67.9310% | 4,026 |
| Net loans and leases to core deposits | 73.0671% | 3,916 |
| Total domestic deposits to total assets | 85.5248% | 3,631 |
| Equity capital to assets | 10.5891% | 3,185 |
| Core capital (leverage) ratio | 9.8705% | 3,685 |
| Tier 1 risk-based capital ratio | 16.0781% | 3,147 |
| Total risk-based capital ratio | 17.3547% | 3,075 |
| Memoranda: | ||
| Average total assets | $879,566,000 | 754 |
| Average earning assets | $826,688,330 | 724 |
| Average equity | $93,666,670 | 751 |
| Average total loans | $508,058,670 | 835 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 2,726 |
| Cost of funding earning assets | 0.7617% | 1,773 |
| Net interest margin | 3.5780% | 3,350 |
| Noninterest income to average assets | 0.7579% | 2,303 |
| Noninterest expense to average assets | 2.1484% | 5,810 |
| Loan and lease loss provision to assets | 0.0681% | 3,495 |
| Net operating income to assets | 1.4814% | 893 |
| Return on assets (ROA) | 1.5508% | 839 |
| Pretax return on assets | 1.9945% | 599 |
| Return on Equity (ROE) | 14.5220% | 860 |
| Retained earnings to average equity (ytd only) | 10.5417% | 976 |
| Net charge-offs to loans | 0.0048% | 4,070 |
| Credit loss provision to net charge-offs | 2,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 724.3333% | 37 |
| Efficiency ratio | 52.1207% | 6,372 |
| Assets per employee ($millions) | 4.7883% | 2,506 |
| Cash dividends to net income (ytd only)* | 27.4085% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,354 |
| Loan loss allowance to noncurrent loans | 84.0675% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 3,905 |
| Noncurrent loans to loans | 1.6360% | 3,088 |
| Net loans and leases to total assets | 56.3868% | 4,024 |
| Net loans and leases to deposits | 67.2290% | 3,884 |
| Net loans and leases to core deposits | 72.5235% | 3,759 |
| Total domestic deposits to total assets | 83.8727% | 4,530 |
| Equity capital to assets | 10.7561% | 3,252 |
| Core capital (leverage) ratio | 9.6092% | 3,903 |
| Tier 1 risk-based capital ratio | 16.0089% | 3,262 |
| Total risk-based capital ratio | 17.2777% | 3,212 |
| Memoranda: | ||
| Average total assets | $880,827,500 | 759 |
| Average earning assets | $828,178,000 | 730 |
| Average equity | $94,064,500 | 763 |
| Average total loans | $503,822,000 | 842 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 3,088 |
| Cost of funding earning assets | 0.8680% | 2,157 |
| Net interest margin | 3.7094% | 3,610 |
| Noninterest income to average assets | 0.8381% | 2,096 |
| Noninterest expense to average assets | 2.1526% | 6,018 |
| Loan and lease loss provision to assets | 0.0475% | 5,232 |
| Net operating income to assets | 1.6179% | 733 |
| Return on assets (ROA) | 1.6648% | 747 |
| Pretax return on assets | 2.1864% | 420 |
| Return on Equity (ROE) | 16.4770% | 597 |
| Retained earnings to average equity (ytd only) | 10.8287% | 458 |
| Net charge-offs to loans | 0.0248% | 5,551 |
| Credit loss provision to net charge-offs | 341.4634% | 718 |
| Earnings coverage of net charge-offs (x) | 156.1138% | 269 |
| Efficiency ratio | 49.7345% | 6,606 |
| Assets per employee ($millions) | 4.7600% | 2,565 |
| Cash dividends to net income (ytd only)* | 34.2801% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,421 |
| Loan loss allowance to noncurrent loans | 79.1414% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.0434% | 3,945 |
| Noncurrent loans to loans | 1.7011% | 3,067 |
| Net loans and leases to total assets | 56.4539% | 4,215 |
| Net loans and leases to deposits | 67.2568% | 4,093 |
| Net loans and leases to core deposits | 72.2204% | 4,017 |
| Total domestic deposits to total assets | 83.9378% | 4,342 |
| Equity capital to assets | 10.6021% | 3,395 |
| Core capital (leverage) ratio | 9.3344% | 4,355 |
| Tier 1 risk-based capital ratio | 15.5851% | 3,381 |
| Total risk-based capital ratio | 16.8429% | 3,339 |
| Memoranda: | ||
| Average total assets | $883,993,000 | 742 |
| Average earning assets | $830,916,200 | 720 |
| Average equity | $89,318,400 | 784 |
| Average total loans | $495,816,000 | 832 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5988% | 3,205 |
| Cost of funding earning assets | 0.8900% | 2,239 |
| Net interest margin | 3.7087% | 3,762 |
| Noninterest income to average assets | 0.7989% | 2,248 |
| Noninterest expense to average assets | 2.1371% | 6,093 |
| Loan and lease loss provision to assets | 0.0475% | 5,178 |
| Net operating income to assets | 1.6061% | 827 |
| Return on assets (ROA) | 1.6637% | 824 |
| Pretax return on assets | 2.1762% | 496 |
| Return on Equity (ROE) | 16.6702% | 648 |
| Retained earnings to average equity (ytd only) | 12.2252% | 495 |
| Net charge-offs to loans | 0.0184% | 5,419 |
| Credit loss provision to net charge-offs | 463.2353% | 579 |
| Earnings coverage of net charge-offs (x) | 209.6278% | 217 |
| Efficiency ratio | 49.8294% | 6,601 |
| Assets per employee ($millions) | 4.7518% | 2,528 |
| Cash dividends to net income (ytd only)* | 26.6643% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,589 |
| Loan loss allowance to noncurrent loans | 77.4557% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.0473% | 4,203 |
| Noncurrent loans to loans | 1.7415% | 3,173 |
| Net loans and leases to total assets | 56.3280% | 4,396 |
| Net loans and leases to deposits | 67.2627% | 4,295 |
| Net loans and leases to core deposits | 72.6248% | 4,179 |
| Total domestic deposits to total assets | 83.7433% | 4,340 |
| Equity capital to assets | 10.6538% | 3,664 |
| Core capital (leverage) ratio | 9.1460% | 4,837 |
| Tier 1 risk-based capital ratio | 15.6374% | 3,461 |
| Total risk-based capital ratio | 16.8887% | 3,419 |
| Memoranda: | ||
| Average total assets | $884,839,500 | 747 |
| Average earning assets | $831,712,250 | 722 |
| Average equity | $88,307,250 | 792 |
| Average total loans | $493,789,750 | 839 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6019% | 3,353 |
| Cost of funding earning assets | 0.9106% | 2,314 |
| Net interest margin | 3.6913% | 3,867 |
| Noninterest income to average assets | 0.8001% | 2,176 |
| Noninterest expense to average assets | 2.0918% | 6,246 |
| Loan and lease loss provision to assets | 0.0473% | 5,084 |
| Net operating income to assets | 1.6305% | 789 |
| Return on assets (ROA) | 1.6755% | 797 |
| Pretax return on assets | 2.1922% | 489 |
| Return on Equity (ROE) | 17.1686% | 615 |
| Retained earnings to average equity (ytd only) | 12.6723% | 481 |
| Net charge-offs to loans | 0.0191% | 5,141 |
| Credit loss provision to net charge-offs | 446.8085% | 667 |
| Earnings coverage of net charge-offs (x) | 206.0426% | 218 |
| Efficiency ratio | 48.9223% | 6,718 |
| Assets per employee ($millions) | 4.9153% | 2,276 |
| Cash dividends to net income (ytd only)* | 26.1892% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 4,710 |
| Loan loss allowance to noncurrent loans | 76.7810% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.0687% | 4,249 |
| Noncurrent loans to loans | 1.7422% | 3,291 |
| Net loans and leases to total assets | 55.7469% | 4,504 |
| Net loans and leases to deposits | 66.1058% | 4,499 |
| Net loans and leases to core deposits | 71.3251% | 4,381 |
| Total domestic deposits to total assets | 84.3297% | 4,177 |
| Equity capital to assets | 10.1854% | 4,067 |
| Core capital (leverage) ratio | 8.7166% | 5,350 |
| Tier 1 risk-based capital ratio | 14.8873% | 3,840 |
| Total risk-based capital ratio | 16.1444% | 3,789 |
| Memoranda: | ||
| Average total assets | $888,343,000 | 745 |
| Average earning assets | $835,525,330 | 722 |
| Average equity | $86,693,330 | 794 |
| Average total loans | $491,977,670 | 839 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 3,577 |
| Cost of funding earning assets | 0.9374% | 2,392 |
| Net interest margin | 3.6475% | 4,054 |
| Noninterest income to average assets | 0.7775% | 2,266 |
| Noninterest expense to average assets | 2.1286% | 6,207 |
| Loan and lease loss provision to assets | 0.0471% | 4,817 |
| Net operating income to assets | 1.5709% | 913 |
| Return on assets (ROA) | 1.5882% | 985 |
| Pretax return on assets | 2.0560% | 680 |
| Return on Equity (ROE) | 16.6322% | 726 |
| Retained earnings to average equity (ytd only) | 12.0940% | 813 |
| Net charge-offs to loans | 0.0384% | 4,161 |
| Credit loss provision to net charge-offs | 223.4043% | 1,247 |
| Earnings coverage of net charge-offs (x) | 98.7872% | 351 |
| Efficiency ratio | 50.5270% | 6,637 |
| Assets per employee ($millions) | 5.1012% | 2,120 |
| Cash dividends to net income (ytd only)* | 27.2856% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 4,872 |
| Loan loss allowance to noncurrent loans | 68.2767% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1478% | 4,214 |
| Noncurrent loans to loans | 1.9512% | 3,219 |
| Net loans and leases to total assets | 53.3855% | 4,823 |
| Net loans and leases to deposits | 64.9163% | 4,500 |
| Net loans and leases to core deposits | 69.9722% | 4,422 |
| Total domestic deposits to total assets | 82.2374% | 5,217 |
| Equity capital to assets | 9.5075% | 4,797 |
| Core capital (leverage) ratio | 8.4589% | 5,661 |
| Tier 1 risk-based capital ratio | 14.0629% | 4,426 |
| Total risk-based capital ratio | 15.3161% | 4,388 |
| Memoranda: | ||
| Average total assets | $892,595,500 | 744 |
| Average earning assets | $839,813,000 | 716 |
| Average equity | $85,232,500 | 805 |
| Average total loans | $489,400,500 | 843 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 3,710 |
| Cost of funding earning assets | 1.1643% | 2,256 |
| Net interest margin | 3.6565% | 4,490 |
| Noninterest income to average assets | 0.7726% | 2,218 |
| Noninterest expense to average assets | 2.1310% | 6,427 |
| Loan and lease loss provision to assets | 0.0797% | 5,619 |
| Net operating income to assets | 1.5378% | 767 |
| Return on assets (ROA) | 1.5716% | 768 |
| Pretax return on assets | 2.0302% | 500 |
| Return on Equity (ROE) | 17.1851% | 458 |
| Retained earnings to average equity (ytd only) | 12.2513% | 282 |
| Net charge-offs to loans | 0.0216% | 6,144 |
| Credit loss provision to net charge-offs | 655.3398% | 343 |
| Earnings coverage of net charge-offs (x) | 169.9417% | 200 |
| Efficiency ratio | 50.7270% | 6,794 |
| Assets per employee ($millions) | 4.9840% | 2,223 |
| Cash dividends to net income (ytd only)* | 28.7098% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,748 |
| Loan loss allowance to noncurrent loans | 68.7182% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1742% | 4,277 |
| Noncurrent loans to loans | 1.9364% | 3,292 |
| Net loans and leases to total assets | 54.8374% | 4,904 |
| Net loans and leases to deposits | 65.2143% | 4,846 |
| Net loans and leases to core deposits | 70.1765% | 4,755 |
| Total domestic deposits to total assets | 84.0881% | 4,284 |
| Equity capital to assets | 9.5917% | 4,756 |
| Core capital (leverage) ratio | 8.2763% | 5,885 |
| Tier 1 risk-based capital ratio | 14.0314% | 4,304 |
| Total risk-based capital ratio | 15.2856% | 4,255 |
| Memoranda: | ||
| Average total assets | $847,268,800 | 771 |
| Average earning assets | $793,459,200 | 744 |
| Average equity | $77,485,800 | 869 |
| Average total loans | $476,663,600 | 876 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 3,743 |
| Cost of funding earning assets | 1.2044% | 2,293 |
| Net interest margin | 3.6536% | 4,551 |
| Noninterest income to average assets | 0.7173% | 2,493 |
| Noninterest expense to average assets | 2.1244% | 6,462 |
| Loan and lease loss provision to assets | 0.0834% | 5,399 |
| Net operating income to assets | 1.4967% | 944 |
| Return on assets (ROA) | 1.5407% | 938 |
| Pretax return on assets | 1.9830% | 648 |
| Return on Equity (ROE) | 17.0638% | 559 |
| Retained earnings to average equity (ytd only) | 12.4268% | 450 |
| Net charge-offs to loans | 0.0329% | 5,687 |
| Credit loss provision to net charge-offs | 448.7179% | 621 |
| Earnings coverage of net charge-offs (x) | 108.2024% | 337 |
| Efficiency ratio | 51.3344% | 6,739 |
| Assets per employee ($millions) | 4.9304% | 2,280 |
| Cash dividends to net income (ytd only)* | 27.1744% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 4,915 |
| Loan loss allowance to noncurrent loans | 65.2730% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 4,318 |
| Noncurrent loans to loans | 2.0240% | 3,337 |
| Net loans and leases to total assets | 55.0525% | 4,992 |
| Net loans and leases to deposits | 65.2933% | 5,014 |
| Net loans and leases to core deposits | 70.8534% | 4,851 |
| Total domestic deposits to total assets | 84.3156% | 4,091 |
| Equity capital to assets | 9.5003% | 5,087 |
| Core capital (leverage) ratio | 8.0713% | 6,317 |
| Tier 1 risk-based capital ratio | 13.8172% | 4,489 |
| Total risk-based capital ratio | 15.0732% | 4,450 |
| Memoranda: | ||
| Average total assets | $839,791,500 | 785 |
| Average earning assets | $785,442,750 | 759 |
| Average equity | $75,823,250 | 895 |
| Average total loans | $473,952,250 | 898 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8834% | 3,694 |
| Cost of funding earning assets | 1.2332% | 2,362 |
| Net interest margin | 3.6502% | 4,520 |
| Noninterest income to average assets | 0.6978% | 2,566 |
| Noninterest expense to average assets | 2.1776% | 6,434 |
| Loan and lease loss provision to assets | 0.0900% | 5,192 |
| Net operating income to assets | 1.4423% | 995 |
| Return on assets (ROA) | 1.4860% | 975 |
| Pretax return on assets | 1.8953% | 715 |
| Return on Equity (ROE) | 16.7590% | 578 |
| Retained earnings to average equity (ytd only) | 12.0627% | 510 |
| Net charge-offs to loans | 0.0538% | 5,114 |
| Credit loss provision to net charge-offs | 295.2756% | 1,036 |
| Earnings coverage of net charge-offs (x) | 63.3228% | 519 |
| Efficiency ratio | 52.9790% | 6,715 |
| Assets per employee ($millions) | 4.8663% | 2,309 |
| Cash dividends to net income (ytd only)* | 28.0226% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 5,095 |
| Loan loss allowance to noncurrent loans | 61.5684% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.2656% | 4,365 |
| Noncurrent loans to loans | 2.0989% | 3,354 |
| Net loans and leases to total assets | 55.2784% | 5,108 |
| Net loans and leases to deposits | 65.6254% | 5,056 |
| Net loans and leases to core deposits | 71.2869% | 4,917 |
| Total domestic deposits to total assets | 84.2332% | 4,246 |
| Equity capital to assets | 9.1054% | 5,428 |
| Core capital (leverage) ratio | 7.8918% | 6,422 |
| Tier 1 risk-based capital ratio | 13.3570% | 4,645 |
| Total risk-based capital ratio | 14.6217% | 4,617 |
| Memoranda: | ||
| Average total assets | $833,759,000 | 800 |
| Average earning assets | $778,640,000 | 774 |
| Average equity | $73,930,330 | 918 |
| Average total loans | $472,399,000 | 916 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 3,470 |
| Cost of funding earning assets | 1.2609% | 2,422 |
| Net interest margin | 3.6610% | 4,277 |
| Noninterest income to average assets | 0.6595% | 2,783 |
| Noninterest expense to average assets | 2.2254% | 6,366 |
| Loan and lease loss provision to assets | 0.1091% | 4,650 |
| Net operating income to assets | 1.3735% | 1,110 |
| Return on assets (ROA) | 1.4194% | 1,063 |
| Pretax return on assets | 1.7948% | 828 |
| Return on Equity (ROE) | 16.2329% | 653 |
| Retained earnings to average equity (ytd only) | 11.4523% | 821 |
| Net charge-offs to loans | 0.0613% | 4,314 |
| Credit loss provision to net charge-offs | 312.5000% | 1,030 |
| Earnings coverage of net charge-offs (x) | 52.8611% | 553 |
| Efficiency ratio | 54.6158% | 6,636 |
| Assets per employee ($millions) | 4.8768% | 2,319 |
| Cash dividends to net income (ytd only)* | 29.4499% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 5,132 |
| Loan loss allowance to noncurrent loans | 61.4108% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.2867% | 4,390 |
| Noncurrent loans to loans | 2.1169% | 3,423 |
| Net loans and leases to total assets | 54.9236% | 5,173 |
| Net loans and leases to deposits | 65.0134% | 5,127 |
| Net loans and leases to core deposits | 70.7825% | 4,954 |
| Total domestic deposits to total assets | 84.4805% | 4,280 |
| Equity capital to assets | 8.7515% | 5,572 |
| Core capital (leverage) ratio | 7.7574% | 6,505 |
| Tier 1 risk-based capital ratio | 13.0402% | 4,800 |
| Total risk-based capital ratio | 14.2993% | 4,775 |
| Memoranda: | ||
| Average total assets | $824,840,000 | 815 |
| Average earning assets | $768,644,500 | 793 |
| Average equity | $72,125,000 | 939 |
| Average total loans | $470,142,500 | 927 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5220% | 2,197 |
| Cost of funding earning assets | 1.5439% | 2,383 |
| Net interest margin | 3.9781% | 3,113 |
| Noninterest income to average assets | 0.7676% | 2,442 |
| Noninterest expense to average assets | 2.2817% | 6,406 |
| Loan and lease loss provision to assets | 0.1630% | 5,583 |
| Net operating income to assets | 1.5345% | 710 |
| Return on assets (ROA) | 1.5445% | 759 |
| Pretax return on assets | 1.9818% | 500 |
| Return on Equity (ROE) | 17.4260% | 437 |
| Retained earnings to average equity (ytd only) | 12.1386% | 265 |
| Net charge-offs to loans | 0.0487% | 6,308 |
| Credit loss provision to net charge-offs | 550.4386% | 407 |
| Earnings coverage of net charge-offs (x) | 71.9912% | 334 |
| Efficiency ratio | 51.6465% | 7,011 |
| Assets per employee ($millions) | 4.7699% | 2,459 |
| Cash dividends to net income (ytd only)* | 30.3423% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 5,270 |
| Loan loss allowance to noncurrent loans | 47.1503% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 3,857 |
| Noncurrent loans to loans | 2.6493% | 2,868 |
| Net loans and leases to total assets | 57.6661% | 5,073 |
| Net loans and leases to deposits | 68.2692% | 5,069 |
| Net loans and leases to core deposits | 74.4565% | 4,920 |
| Total domestic deposits to total assets | 84.4686% | 4,137 |
| Equity capital to assets | 8.7364% | 5,531 |
| Core capital (leverage) ratio | 7.6734% | 6,565 |
| Tier 1 risk-based capital ratio | 12.6375% | 4,909 |
| Total risk-based capital ratio | 13.8650% | 4,904 |
| Memoranda: | ||
| Average total assets | $769,894,600 | 880 |
| Average earning assets | $705,634,400 | 874 |
| Average equity | $68,237,000 | 985 |
| Average total loans | $468,335,800 | 963 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 1,996 |
| Cost of funding earning assets | 1.6071% | 2,350 |
| Net interest margin | 4.0124% | 3,043 |
| Noninterest income to average assets | 0.7477% | 2,521 |
| Noninterest expense to average assets | 2.2849% | 6,375 |
| Loan and lease loss provision to assets | 0.1474% | 5,565 |
| Net operating income to assets | 1.5441% | 841 |
| Return on assets (ROA) | 1.5577% | 889 |
| Pretax return on assets | 1.9984% | 620 |
| Return on Equity (ROE) | 17.5082% | 532 |
| Retained earnings to average equity (ytd only) | 12.5211% | 398 |
| Net charge-offs to loans | 0.0400% | 6,153 |
| Credit loss provision to net charge-offs | 600.0000% | 484 |
| Earnings coverage of net charge-offs (x) | 86.6224% | 354 |
| Efficiency ratio | 51.7200% | 7,006 |
| Assets per employee ($millions) | 4.7184% | 2,567 |
| Cash dividends to net income (ytd only)* | 28.4845% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 5,606 |
| Loan loss allowance to noncurrent loans | 41.7638% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 1.8110% | 3,734 |
| Noncurrent loans to loans | 2.8181% | 2,832 |
| Net loans and leases to total assets | 59.5459% | 4,993 |
| Net loans and leases to deposits | 71.1482% | 4,974 |
| Net loans and leases to core deposits | 77.8514% | 4,819 |
| Total domestic deposits to total assets | 83.6928% | 4,275 |
| Equity capital to assets | 9.1359% | 5,398 |
| Core capital (leverage) ratio | 7.6740% | 6,703 |
| Tier 1 risk-based capital ratio | 12.3333% | 5,138 |
| Total risk-based capital ratio | 13.5039% | 5,186 |
| Memoranda: | ||
| Average total assets | $759,648,500 | 888 |
| Average earning assets | $693,989,500 | 887 |
| Average equity | $67,585,750 | 989 |
| Average total loans | $467,040,500 | 973 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6295% | 2,027 |
| Cost of funding earning assets | 1.6522% | 2,375 |
| Net interest margin | 3.9773% | 3,128 |
| Noninterest income to average assets | 0.7505% | 2,388 |
| Noninterest expense to average assets | 2.2860% | 6,389 |
| Loan and lease loss provision to assets | 0.1440% | 5,459 |
| Net operating income to assets | 1.5483% | 818 |
| Return on assets (ROA) | 1.5689% | 837 |
| Pretax return on assets | 2.0178% | 581 |
| Return on Equity (ROE) | 17.8014% | 481 |
| Retained earnings to average equity (ytd only) | 12.7408% | 408 |
| Net charge-offs to loans | 0.0543% | 5,619 |
| Credit loss provision to net charge-offs | 428.5714% | 845 |
| Earnings coverage of net charge-offs (x) | 63.5714% | 487 |
| Efficiency ratio | 51.6551% | 7,104 |
| Assets per employee ($millions) | 4.5450% | 2,799 |
| Cash dividends to net income (ytd only)* | 28.4282% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,837 |
| Loan loss allowance to noncurrent loans | 88.3667% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 5,352 |
| Noncurrent loans to loans | 1.2703% | 4,844 |
| Net loans and leases to total assets | 60.4469% | 4,977 |
| Net loans and leases to deposits | 71.7349% | 5,035 |
| Net loans and leases to core deposits | 78.4383% | 4,876 |
| Total domestic deposits to total assets | 84.2643% | 3,978 |
| Equity capital to assets | 8.9313% | 5,556 |
| Core capital (leverage) ratio | 7.5372% | 6,797 |
| Tier 1 risk-based capital ratio | 12.0660% | 5,255 |
| Total risk-based capital ratio | 13.1952% | 5,326 |
| Memoranda: | ||
| Average total assets | $750,208,000 | 904 |
| Average earning assets | $692,429,330 | 895 |
| Average equity | $66,118,330 | 1,002 |
| Average total loans | $464,456,670 | 987 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7089% | 1,741 |
| Cost of funding earning assets | 1.6862% | 2,457 |
| Net interest margin | 4.0227% | 2,776 |
| Noninterest income to average assets | 0.7172% | 2,487 |
| Noninterest expense to average assets | 2.3145% | 6,339 |
| Loan and lease loss provision to assets | 0.1651% | 4,877 |
| Net operating income to assets | 1.5151% | 873 |
| Return on assets (ROA) | 1.5421% | 895 |
| Pretax return on assets | 1.9822% | 627 |
| Return on Equity (ROE) | 17.6207% | 547 |
| Retained earnings to average equity (ytd only) | 12.4996% | 682 |
| Net charge-offs to loans | 0.0365% | 5,072 |
| Credit loss provision to net charge-offs | 726.1905% | 623 |
| Earnings coverage of net charge-offs (x) | 92.9286% | 350 |
| Efficiency ratio | 52.2313% | 7,127 |
| Assets per employee ($millions) | 4.4858% | 2,979 |
| Cash dividends to net income (ytd only)* | 29.0628% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 5,967 |
| Loan loss allowance to noncurrent loans | 69.2804% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 5,050 |
| Noncurrent loans to loans | 1.6001% | 4,346 |
| Net loans and leases to total assets | 61.3367% | 4,887 |
| Net loans and leases to deposits | 73.0054% | 4,903 |
| Net loans and leases to core deposits | 79.8737% | 4,775 |
| Total domestic deposits to total assets | 84.0167% | 4,140 |
| Equity capital to assets | 8.7819% | 5,584 |
| Core capital (leverage) ratio | 7.5368% | 6,819 |
| Tier 1 risk-based capital ratio | 11.6406% | 5,540 |
| Total risk-based capital ratio | 12.7451% | 5,663 |
| Memoranda: | ||
| Average total assets | $738,991,000 | 933 |
| Average earning assets | $681,526,500 | 927 |
| Average equity | $64,674,000 | 1,033 |
| Average total loans | $460,515,000 | 1,024 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0267% | 1,766 |
| Cost of funding earning assets | 1.9961% | 2,978 |
| Net interest margin | 4.0305% | 2,743 |
| Noninterest income to average assets | 0.8173% | 2,319 |
| Noninterest expense to average assets | 2.5152% | 6,075 |
| Loan and lease loss provision to assets | 0.1328% | 6,309 |
| Net operating income to assets | 1.4615% | 733 |
| Return on assets (ROA) | 1.4808% | 761 |
| Pretax return on assets | 1.8998% | 512 |
| Return on Equity (ROE) | 17.3811% | 419 |
| Retained earnings to average equity (ytd only) | 11.6587% | 235 |
| Net charge-offs to loans | 0.0936% | 6,194 |
| Credit loss provision to net charge-offs | 222.8916% | 1,689 |
| Earnings coverage of net charge-offs (x) | 33.7036% | 690 |
| Efficiency ratio | 55.1003% | 7,117 |
| Assets per employee ($millions) | 4.3127% | 3,253 |
| Cash dividends to net income (ytd only)* | 32.9229% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 6,036 |
| Loan loss allowance to noncurrent loans | 72.3612% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 5,169 |
| Noncurrent loans to loans | 1.4801% | 4,449 |
| Net loans and leases to total assets | 61.9467% | 5,000 |
| Net loans and leases to deposits | 73.9590% | 5,045 |
| Net loans and leases to core deposits | 92.1466% | 4,868 |
| Total domestic deposits to total assets | 83.7582% | 4,153 |
| Equity capital to assets | 8.7206% | 5,559 |
| Core capital (leverage) ratio | 7.3845% | 6,907 |
| Tier 1 risk-based capital ratio | 11.4869% | 5,402 |
| Total risk-based capital ratio | 12.5625% | 5,546 |
| Memoranda: | ||
| Average total assets | $696,599,600 | 988 |
| Average earning assets | $640,487,200 | 974 |
| Average equity | $59,346,000 | 1,114 |
| Average total loans | $443,467,800 | 1,081 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0869% | 1,697 |
| Cost of funding earning assets | 2.0528% | 3,107 |
| Net interest margin | 4.0341% | 2,661 |
| Noninterest income to average assets | 0.8092% | 2,381 |
| Noninterest expense to average assets | 2.5356% | 5,951 |
| Loan and lease loss provision to assets | 0.1355% | 6,001 |
| Net operating income to assets | 1.4406% | 942 |
| Return on assets (ROA) | 1.4610% | 949 |
| Pretax return on assets | 1.8712% | 698 |
| Return on Equity (ROE) | 17.2574% | 523 |
| Retained earnings to average equity (ytd only) | 11.7176% | 378 |
| Net charge-offs to loans | 0.1196% | 5,503 |
| Credit loss provision to net charge-offs | 177.2152% | 2,605 |
| Earnings coverage of net charge-offs (x) | 25.8938% | 1,038 |
| Efficiency ratio | 55.6299% | 7,052 |
| Assets per employee ($millions) | 4.2043% | 3,374 |
| Cash dividends to net income (ytd only)* | 32.1007% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 6,040 |
| Loan loss allowance to noncurrent loans | 79.0914% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 5,224 |
| Noncurrent loans to loans | 1.3202% | 4,729 |
| Net loans and leases to total assets | 62.8332% | 5,101 |
| Net loans and leases to deposits | 75.8893% | 5,071 |
| Net loans and leases to core deposits | 94.1824% | 4,997 |
| Total domestic deposits to total assets | 82.7959% | 4,326 |
| Equity capital to assets | 8.9361% | 5,579 |
| Core capital (leverage) ratio | 7.2162% | 7,254 |
| Tier 1 risk-based capital ratio | 11.2913% | 5,643 |
| Total risk-based capital ratio | 12.3490% | 5,808 |
| Memoranda: | ||
| Average total assets | $688,538,000 | 1,007 |
| Average earning assets | $632,688,500 | 1,003 |
| Average equity | $58,292,500 | 1,149 |
| Average total loans | $440,238,750 | 1,108 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1324% | 1,681 |
| Cost of funding earning assets | 2.0982% | 3,271 |
| Net interest margin | 4.0343% | 2,562 |
| Noninterest income to average assets | 0.7961% | 2,431 |
| Noninterest expense to average assets | 2.5464% | 5,964 |
| Loan and lease loss provision to assets | 0.0879% | 6,290 |
| Net operating income to assets | 1.4482% | 934 |
| Return on assets (ROA) | 1.4790% | 934 |
| Pretax return on assets | 1.9059% | 688 |
| Return on Equity (ROE) | 17.8110% | 506 |
| Retained earnings to average equity (ytd only) | 12.1586% | 418 |
| Net charge-offs to loans | 0.0256% | 6,125 |
| Credit loss provision to net charge-offs | 535.7143% | 866 |
| Earnings coverage of net charge-offs (x) | 119.1071% | 321 |
| Efficiency ratio | 56.0575% | 7,116 |
| Assets per employee ($millions) | 4.1777% | 3,336 |
| Cash dividends to net income (ytd only)* | 31.7353% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 5,938 |
| Loan loss allowance to noncurrent loans | 147.1038% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 6,073 |
| Noncurrent loans to loans | 0.7107% | 5,817 |
| Net loans and leases to total assets | 61.9584% | 5,365 |
| Net loans and leases to deposits | 74.4649% | 5,383 |
| Net loans and leases to core deposits | 91.5053% | 5,396 |
| Total domestic deposits to total assets | 83.2049% | 4,147 |
| Equity capital to assets | 8.2969% | 6,334 |
| Core capital (leverage) ratio | 7.1166% | 7,438 |
| Tier 1 risk-based capital ratio | 11.1839% | 5,690 |
| Total risk-based capital ratio | 12.2476% | 5,811 |
| Memoranda: | ||
| Average total assets | $682,608,330 | 1,031 |
| Average earning assets | $626,831,330 | 1,030 |
| Average equity | $56,684,000 | 1,188 |
| Average total loans | $437,488,000 | 1,143 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2396% | 1,479 |
| Cost of funding earning assets | 2.1644% | 3,349 |
| Net interest margin | 4.0752% | 2,380 |
| Noninterest income to average assets | 0.7870% | 2,396 |
| Noninterest expense to average assets | 2.5649% | 5,588 |
| Loan and lease loss provision to assets | 0.0894% | 5,820 |
| Net operating income to assets | 1.4524% | 1,040 |
| Return on assets (ROA) | 1.4673% | 1,077 |
| Pretax return on assets | 1.8876% | 823 |
| Return on Equity (ROE) | 17.6617% | 618 |
| Retained earnings to average equity (ytd only) | 11.9706% | 788 |
| Net charge-offs to loans | 0.0276% | 5,142 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 109.4667% | 400 |
| Efficiency ratio | 56.1824% | 6,952 |
| Assets per employee ($millions) | 4.0114% | 3,638 |
| Cash dividends to net income (ytd only)* | 32.2227% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 5,960 |
| Loan loss allowance to noncurrent loans | 199.2028% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 6,215 |
| Noncurrent loans to loans | 0.5160% | 6,137 |
| Net loans and leases to total assets | 64.2627% | 4,939 |
| Net loans and leases to deposits | 77.4086% | 5,025 |
| Net loans and leases to core deposits | 94.6977% | 5,094 |
| Total domestic deposits to total assets | 83.0176% | 4,137 |
| Equity capital to assets | 8.4063% | 6,224 |
| Core capital (leverage) ratio | 7.1013% | 7,557 |
| Tier 1 risk-based capital ratio | 10.8682% | 6,024 |
| Total risk-based capital ratio | 11.9155% | 6,133 |
| Memoranda: | ||
| Average total assets | $670,893,500 | 1,051 |
| Average earning assets | $615,039,500 | 1,047 |
| Average equity | $55,736,500 | 1,216 |
| Average total loans | $435,196,000 | 1,160 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6462% | 2,264 |
| Cost of funding earning assets | 2.4278% | 4,588 |
| Net interest margin | 4.2184% | 2,239 |
| Noninterest income to average assets | 0.8455% | 2,258 |
| Noninterest expense to average assets | 2.5390% | 5,858 |
| Loan and lease loss provision to assets | 0.0536% | 6,747 |
| Net operating income to assets | 1.7476% | 614 |
| Return on assets (ROA) | 1.1857% | 1,751 |
| Pretax return on assets | 1.4195% | 1,910 |
| Return on Equity (ROE) | 14.1076% | 1,083 |
| Retained earnings to average equity (ytd only) | 7.7628% | 912 |
| Net charge-offs to loans | 0.0348% | 6,321 |
| Credit loss provision to net charge-offs | 221.4765% | 2,162 |
| Earnings coverage of net charge-offs (x) | 88.5369% | 474 |
| Efficiency ratio | 53.7376% | 7,297 |
| Assets per employee ($millions) | 3.9519% | 3,616 |
| Cash dividends to net income (ytd only)* | 44.9740% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 5,926 |
| Loan loss allowance to noncurrent loans | 169.3617% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4755% | 5,800 |
| Noncurrent loans to loans | 0.5973% | 5,580 |
| Net loans and leases to total assets | 64.1500% | 5,241 |
| Net loans and leases to deposits | 77.6622% | 5,386 |
| Net loans and leases to core deposits | 94.3781% | 5,418 |
| Total domestic deposits to total assets | 82.6013% | 3,948 |
| Equity capital to assets | 8.2084% | 6,536 |
| Core capital (leverage) ratio | 7.0100% | 7,686 |
| Tier 1 risk-based capital ratio | 10.6857% | 6,015 |
| Total risk-based capital ratio | 11.7283% | 6,111 |
| Memoranda: | ||
| Average total assets | $615,864,600 | 1,095 |
| Average earning assets | $559,973,800 | 1,101 |
| Average equity | $51,759,400 | 1,302 |
| Average total loans | $427,798,400 | 1,120 |