Home > First Citizens National Bank > Performance and Condition Ratios
First Citizens National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 2,587 |
| Cost of funding earning assets | 2.0945% | 791 |
| Net interest margin | 2.6499% | 3,897 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.1979% | 3,136 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7871% | 2,910 |
| Return on assets (ROA) | 0.7946% | 2,867 |
| Pretax return on assets | 0.9177% | 2,915 |
| Return on Equity (ROE) | 10.9800% | 2,232 |
| Retained earnings to average equity (ytd only) | 6.7494% | 1,971 |
| Net charge-offs to loans | 0.0226% | 1,876 |
| Credit loss provision to net charge-offs | 498.3871% | 680 |
| Earnings coverage of net charge-offs (x) | 71.8097% | 1,084 |
| Efficiency ratio | 69.6952% | 1,918 |
| Assets per employee ($millions) | 7.7269% | 1,573 |
| Cash dividends to net income (ytd only)* | 38.5274% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 1,743 |
| Loan loss allowance to noncurrent loans | 993.3875% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,031 |
| Noncurrent loans to loans | 0.1313% | 2,856 |
| Net loans and leases to total assets | 58.0800% | 3,030 |
| Net loans and leases to deposits | 68.3119% | 3,006 |
| Net loans and leases to core deposits | 79.8226% | 2,711 |
| Total domestic deposits to total assets | 85.0200% | 2,306 |
| Equity capital to assets | 7.9621% | 3,446 |
| Core capital (leverage) ratio | 9.6149% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,351,850,200 | 495 |
| Average earning assets | $2,170,417,200 | 485 |
| Average equity | $170,207,200 | 615 |
| Average total loans | $1,369,726,800 | 557 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 2,549 |
| Cost of funding earning assets | 1.9520% | 777 |
| Net interest margin | 2.7109% | 3,869 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.1976% | 3,083 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8200% | 2,964 |
| Return on assets (ROA) | 0.8298% | 2,918 |
| Pretax return on assets | 0.9713% | 2,927 |
| Return on Equity (ROE) | 11.7700% | 2,187 |
| Retained earnings to average equity (ytd only) | 7.7319% | 2,066 |
| Net charge-offs to loans | 0.0224% | 1,641 |
| Credit loss provision to net charge-offs | 462.0087% | 673 |
| Earnings coverage of net charge-offs (x) | 76.2140% | 1,072 |
| Efficiency ratio | 68.6725% | 1,941 |
| Assets per employee ($millions) | 7.5168% | 1,619 |
| Cash dividends to net income (ytd only)* | 34.2888% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 1,947 |
| Loan loss allowance to noncurrent loans | 1,006.2886% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,082 |
| Noncurrent loans to loans | 0.1275% | 2,913 |
| Net loans and leases to total assets | 59.3800% | 2,901 |
| Net loans and leases to deposits | 68.6425% | 2,932 |
| Net loans and leases to core deposits | 80.0393% | 2,597 |
| Total domestic deposits to total assets | 86.5000% | 2,038 |
| Equity capital to assets | 6.3688% | 3,869 |
| Core capital (leverage) ratio | 9.6261% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,342,911,250 | 499 |
| Average earning assets | $2,163,147,250 | 492 |
| Average equity | $165,233,000 | 621 |
| Average total loans | $1,360,895,750 | 561 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 2,550 |
| Cost of funding earning assets | 1.7694% | 786 |
| Net interest margin | 2.7703% | 3,873 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.1812% | 3,127 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8905% | 2,790 |
| Return on assets (ROA) | 0.9046% | 2,726 |
| Pretax return on assets | 1.0711% | 2,721 |
| Return on Equity (ROE) | 12.4300% | 2,033 |
| Retained earnings to average equity (ytd only) | 8.5707% | 1,798 |
| Net charge-offs to loans | 0.0228% | 1,423 |
| Credit loss provision to net charge-offs | 394.8052% | 740 |
| Earnings coverage of net charge-offs (x) | 81.3442% | 1,039 |
| Efficiency ratio | 66.9690% | 2,106 |
| Assets per employee ($millions) | 7.4788% | 1,616 |
| Cash dividends to net income (ytd only)* | 31.0501% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 1,982 |
| Loan loss allowance to noncurrent loans | 983.0252% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,009 |
| Noncurrent loans to loans | 0.1309% | 2,822 |
| Net loans and leases to total assets | 57.7000% | 2,988 |
| Net loans and leases to deposits | 66.6354% | 3,024 |
| Net loans and leases to core deposits | 78.0103% | 2,613 |
| Total domestic deposits to total assets | 86.5900% | 2,061 |
| Equity capital to assets | 7.3993% | 3,578 |
| Core capital (leverage) ratio | 9.5573% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,349,646,667 | 487 |
| Average earning assets | $2,173,059,667 | 481 |
| Average equity | $171,001,333 | 603 |
| Average total loans | $1,348,820,667 | 552 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 2,498 |
| Cost of funding earning assets | 1.5755% | 729 |
| Net interest margin | 2.8448% | 3,876 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.1512% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9906% | 2,561 |
| Return on assets (ROA) | 1.0128% | 2,457 |
| Pretax return on assets | 1.2037% | 2,416 |
| Return on Equity (ROE) | 14.0300% | 1,764 |
| Retained earnings to average equity (ytd only) | 10.2718% | 1,633 |
| Net charge-offs to loans | 0.0283% | 1,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 72.9789% | 937 |
| Efficiency ratio | 64.4623% | 2,394 |
| Assets per employee ($millions) | 7.5437% | 1,596 |
| Cash dividends to net income (ytd only)* | 26.8007% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,232 |
| Loan loss allowance to noncurrent loans | 919.8052% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 2,969 |
| Noncurrent loans to loans | 0.1372% | 2,815 |
| Net loans and leases to total assets | 57.4300% | 2,916 |
| Net loans and leases to deposits | 65.5881% | 2,967 |
| Net loans and leases to core deposits | 74.4331% | 2,643 |
| Total domestic deposits to total assets | 87.5600% | 2,072 |
| Equity capital to assets | 7.6500% | 3,476 |
| Core capital (leverage) ratio | 9.4780% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,357,777,000 | 499 |
| Average earning assets | $2,183,387,000 | 489 |
| Average equity | $170,174,500 | 613 |
| Average total loans | $1,341,282,000 | 567 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 2,115 |
| Cost of funding earning assets | 0.6466% | 726 |
| Net interest margin | 3.2085% | 2,849 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.2516% | 2,889 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.1382% | 2,017 |
| Return on assets (ROA) | 1.1656% | 1,842 |
| Pretax return on assets | 1.3838% | 1,810 |
| Return on Equity (ROE) | 14.5000% | 1,402 |
| Retained earnings to average equity (ytd only) | 10.1296% | 1,112 |
| Net charge-offs to loans | 0.0422% | 1,274 |
| Credit loss provision to net charge-offs | 579.3738% | 622 |
| Earnings coverage of net charge-offs (x) | 63.1031% | 1,219 |
| Efficiency ratio | 60.0067% | 3,057 |
| Assets per employee ($millions) | 7.6179% | 1,532 |
| Cash dividends to net income (ytd only)* | 30.1541% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,036 |
| Loan loss allowance to noncurrent loans | 346.9542% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,130 |
| Noncurrent loans to loans | 0.3663% | 1,828 |
| Net loans and leases to total assets | 54.9500% | 3,122 |
| Net loans and leases to deposits | 63.4391% | 3,088 |
| Net loans and leases to core deposits | 70.4944% | 2,843 |
| Total domestic deposits to total assets | 86.6200% | 2,523 |
| Equity capital to assets | 6.8003% | 3,769 |
| Core capital (leverage) ratio | 9.2257% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,304,652,600 | 490 |
| Average earning assets | $2,143,665,200 | 480 |
| Average equity | $185,218,800 | 562 |
| Average total loans | $1,285,324,400 | 547 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 1,942 |
| Cost of funding earning assets | 0.4084% | 1,227 |
| Net interest margin | 3.3277% | 2,206 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.2824% | 2,683 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.2175% | 1,644 |
| Return on assets (ROA) | 1.2463% | 1,506 |
| Pretax return on assets | 1.4897% | 1,440 |
| Return on Equity (ROE) | 14.9000% | 1,204 |
| Retained earnings to average equity (ytd only) | 11.1297% | 1,014 |
| Net charge-offs to loans | 0.0249% | 1,327 |
| Credit loss provision to net charge-offs | 859.6639% | 451 |
| Earnings coverage of net charge-offs (x) | 113.1345% | 876 |
| Efficiency ratio | 58.9668% | 3,253 |
| Assets per employee ($millions) | 7.3804% | 1,689 |
| Cash dividends to net income (ytd only)* | 25.3271% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,562 |
| Loan loss allowance to noncurrent loans | 366.0181% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 2,288 |
| Noncurrent loans to loans | 0.3262% | 2,065 |
| Net loans and leases to total assets | 58.3200% | 2,661 |
| Net loans and leases to deposits | 65.8979% | 2,728 |
| Net loans and leases to core deposits | 73.2683% | 2,405 |
| Total domestic deposits to total assets | 88.5000% | 2,276 |
| Equity capital to assets | 6.4923% | 3,740 |
| Core capital (leverage) ratio | 9.2921% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,280,908,000 | 494 |
| Average earning assets | $2,123,523,000 | 483 |
| Average equity | $190,728,250 | 550 |
| Average total loans | $1,272,756,500 | 544 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5892% | 1,879 |
| Cost of funding earning assets | 0.2841% | 1,862 |
| Net interest margin | 3.3051% | 1,896 |
| Noninterest income to average assets | 0.7710% | 1,122 |
| Noninterest expense to average assets | 2.2922% | 2,573 |
| Loan and lease loss provision to assets | 0.0612% | 1,499 |
| Net operating income to assets | 1.2585% | 1,259 |
| Return on assets (ROA) | 1.2912% | 1,142 |
| Pretax return on assets | 1.5447% | 1,058 |
| Return on Equity (ROE) | 14.3614% | 1,025 |
| Retained earnings to average equity (ytd only) | 10.6474% | 862 |
| Net charge-offs to loans | 0.0075% | 1,715 |
| Credit loss provision to net charge-offs | 1,480.8511% | 307 |
| Earnings coverage of net charge-offs (x) | 379.1702% | 332 |
| Efficiency ratio | 59.1933% | 3,415 |
| Assets per employee ($millions) | 7.3442% | 1,702 |
| Cash dividends to net income (ytd only)* | 25.8609% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 2,920 |
| Loan loss allowance to noncurrent loans | 706.4440% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 3,027 |
| Noncurrent loans to loans | 0.1630% | 2,879 |
| Net loans and leases to total assets | 56.0805% | 2,743 |
| Net loans and leases to deposits | 63.6437% | 2,753 |
| Net loans and leases to core deposits | 70.5367% | 2,447 |
| Total domestic deposits to total assets | 88.1164% | 2,526 |
| Equity capital to assets | 7.5422% | 3,443 |
| Core capital (leverage) ratio | 9.3821% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,276,104,667 | 490 |
| Average earning assets | $2,126,017,667 | 485 |
| Average equity | $204,631,333 | 518 |
| Average total loans | $1,245,407,667 | 547 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4834% | 1,859 |
| Cost of funding earning assets | 0.2706% | 1,923 |
| Net interest margin | 3.2128% | 1,844 |
| Noninterest income to average assets | 0.7967% | 1,055 |
| Noninterest expense to average assets | 2.2755% | 2,594 |
| Loan and lease loss provision to assets | 0.0191% | 2,012 |
| Net operating income to assets | 1.2584% | 1,098 |
| Return on assets (ROA) | 1.3315% | 926 |
| Pretax return on assets | 1.6028% | 821 |
| Return on Equity (ROE) | 13.6912% | 891 |
| Retained earnings to average equity (ytd only) | 10.7855% | 822 |
| Net charge-offs to loans | 0.0046% | 1,594 |
| Credit loss provision to net charge-offs | 771.4286% | 402 |
| Earnings coverage of net charge-offs (x) | 619.8571% | 160 |
| Efficiency ratio | 59.5307% | 3,531 |
| Assets per employee ($millions) | 7.3737% | 1,759 |
| Cash dividends to net income (ytd only)* | 21.2230% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 2,974 |
| Loan loss allowance to noncurrent loans | 584.4040% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 3,024 |
| Noncurrent loans to loans | 0.2016% | 2,815 |
| Net loans and leases to total assets | 53.0720% | 2,865 |
| Net loans and leases to deposits | 60.3325% | 2,874 |
| Net loans and leases to core deposits | 65.7269% | 2,657 |
| Total domestic deposits to total assets | 87.9658% | 2,540 |
| Equity capital to assets | 8.6775% | 2,997 |
| Core capital (leverage) ratio | 9.4765% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,264,791,000 | 494 |
| Average earning assets | $2,122,885,000 | 488 |
| Average equity | $220,259,000 | 505 |
| Average total loans | $1,216,031,500 | 552 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 2,580 |
| Cost of funding earning assets | 0.3327% | 2,092 |
| Net interest margin | 3.1956% | 2,606 |
| Noninterest income to average assets | 0.8953% | 1,214 |
| Noninterest expense to average assets | 2.4051% | 2,478 |
| Loan and lease loss provision to assets | 0.0103% | 2,874 |
| Net operating income to assets | 1.2298% | 1,815 |
| Return on assets (ROA) | 1.2383% | 1,845 |
| Pretax return on assets | 1.4847% | 1,775 |
| Return on Equity (ROE) | 11.0560% | 2,146 |
| Retained earnings to average equity (ytd only) | 7.9062% | 1,578 |
| Net charge-offs to loans | 0.0129% | 2,082 |
| Credit loss provision to net charge-offs | 150.6849% | 1,492 |
| Earnings coverage of net charge-offs (x) | 216.0479% | 513 |
| Efficiency ratio | 61.6152% | 2,923 |
| Assets per employee ($millions) | 7.4543% | 1,647 |
| Cash dividends to net income (ytd only)* | 28.4889% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 2,918 |
| Loan loss allowance to noncurrent loans | 563.9717% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 3,050 |
| Noncurrent loans to loans | 0.2115% | 2,901 |
| Net loans and leases to total assets | 53.0403% | 2,959 |
| Net loans and leases to deposits | 61.9790% | 2,885 |
| Net loans and leases to core deposits | 68.1411% | 2,639 |
| Total domestic deposits to total assets | 85.5779% | 3,061 |
| Equity capital to assets | 10.7929% | 1,941 |
| Core capital (leverage) ratio | 9.5845% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,126,027,000 | 504 |
| Average earning assets | $1,991,518,000 | 497 |
| Average equity | $238,115,800 | 468 |
| Average total loans | $1,128,674,600 | 590 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5643% | 2,651 |
| Cost of funding earning assets | 0.3509% | 2,109 |
| Net interest margin | 3.2134% | 2,690 |
| Noninterest income to average assets | 0.8986% | 1,260 |
| Noninterest expense to average assets | 2.4134% | 2,399 |
| Loan and lease loss provision to assets | 0.0057% | 2,861 |
| Net operating income to assets | 1.2468% | 2,001 |
| Return on assets (ROA) | 1.2552% | 2,037 |
| Pretax return on assets | 1.4956% | 2,001 |
| Return on Equity (ROE) | 11.0992% | 2,349 |
| Retained earnings to average equity (ytd only) | 8.3438% | 1,934 |
| Net charge-offs to loans | 0.0239% | 1,565 |
| Credit loss provision to net charge-offs | 45.2261% | 1,885 |
| Earnings coverage of net charge-offs (x) | 117.7487% | 787 |
| Efficiency ratio | 61.5920% | 2,756 |
| Assets per employee ($millions) | 6.9010% | 1,936 |
| Cash dividends to net income (ytd only)* | 24.8252% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,799 |
| Loan loss allowance to noncurrent loans | 528.3799% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 3,163 |
| Noncurrent loans to loans | 0.2345% | 2,999 |
| Net loans and leases to total assets | 52.5217% | 3,139 |
| Net loans and leases to deposits | 61.6440% | 3,079 |
| Net loans and leases to core deposits | 67.9119% | 2,784 |
| Total domestic deposits to total assets | 85.2016% | 3,048 |
| Equity capital to assets | 11.2362% | 1,867 |
| Core capital (leverage) ratio | 9.7029% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,096,601,250 | 512 |
| Average earning assets | $1,960,582,250 | 510 |
| Average equity | $237,103,750 | 469 |
| Average total loans | $1,109,730,250 | 610 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5822% | 2,680 |
| Cost of funding earning assets | 0.3721% | 2,113 |
| Net interest margin | 3.2101% | 2,722 |
| Noninterest income to average assets | 0.8706% | 1,354 |
| Noninterest expense to average assets | 2.4354% | 2,353 |
| Loan and lease loss provision to assets | 0.0058% | 2,784 |
| Net operating income to assets | 1.2001% | 2,189 |
| Return on assets (ROA) | 1.2189% | 2,195 |
| Pretax return on assets | 1.4548% | 2,153 |
| Return on Equity (ROE) | 10.7544% | 2,511 |
| Retained earnings to average equity (ytd only) | 7.9517% | 2,093 |
| Net charge-offs to loans | 0.0361% | 1,282 |
| Credit loss provision to net charge-offs | 30.3030% | 1,700 |
| Earnings coverage of net charge-offs (x) | 75.3990% | 862 |
| Efficiency ratio | 62.6522% | 2,640 |
| Assets per employee ($millions) | 6.6384% | 2,062 |
| Cash dividends to net income (ytd only)* | 26.0602% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,590 |
| Loan loss allowance to noncurrent loans | 444.2422% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 3,132 |
| Noncurrent loans to loans | 0.2857% | 2,904 |
| Net loans and leases to total assets | 52.0063% | 3,339 |
| Net loans and leases to deposits | 61.5257% | 3,245 |
| Net loans and leases to core deposits | 68.1771% | 2,943 |
| Total domestic deposits to total assets | 84.5278% | 3,273 |
| Equity capital to assets | 11.2712% | 1,777 |
| Core capital (leverage) ratio | 9.6187% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,077,762,333 | 512 |
| Average earning assets | $1,942,987,000 | 508 |
| Average equity | $235,495,333 | 468 |
| Average total loans | $1,097,959,667 | 613 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4714% | 3,008 |
| Cost of funding earning assets | 0.4088% | 2,020 |
| Net interest margin | 3.0626% | 3,099 |
| Noninterest income to average assets | 0.9295% | 1,252 |
| Noninterest expense to average assets | 2.4663% | 2,277 |
| Loan and lease loss provision to assets | 0.0058% | 2,691 |
| Net operating income to assets | 1.1168% | 2,420 |
| Return on assets (ROA) | 1.1608% | 2,364 |
| Pretax return on assets | 1.3719% | 2,361 |
| Return on Equity (ROE) | 10.2129% | 2,617 |
| Retained earnings to average equity (ytd only) | 7.4767% | 2,421 |
| Net charge-offs to loans | 0.1190% | 598 |
| Credit loss provision to net charge-offs | 9.2593% | 1,450 |
| Earnings coverage of net charge-offs (x) | 21.0370% | 1,233 |
| Efficiency ratio | 64.8072% | 2,372 |
| Assets per employee ($millions) | 6.5659% | 2,118 |
| Cash dividends to net income (ytd only)* | 26.7917% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,552 |
| Loan loss allowance to noncurrent loans | 477.0698% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 3,178 |
| Noncurrent loans to loans | 0.2674% | 3,151 |
| Net loans and leases to total assets | 52.0657% | 3,441 |
| Net loans and leases to deposits | 61.7357% | 3,348 |
| Net loans and leases to core deposits | 68.4833% | 3,020 |
| Total domestic deposits to total assets | 84.3365% | 3,326 |
| Equity capital to assets | 11.1124% | 1,778 |
| Core capital (leverage) ratio | 9.6214% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,057,820,000 | 506 |
| Average earning assets | $1,922,799,500 | 503 |
| Average equity | $233,900,500 | 467 |
| Average total loans | $1,089,205,500 | 618 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9056% | 3,010 |
| Cost of funding earning assets | 0.7039% | 1,703 |
| Net interest margin | 3.2017% | 3,362 |
| Noninterest income to average assets | 0.9438% | 1,165 |
| Noninterest expense to average assets | 2.4910% | 2,877 |
| Loan and lease loss provision to assets | 0.1650% | 2,313 |
| Net operating income to assets | 1.0804% | 1,986 |
| Return on assets (ROA) | 1.1128% | 1,993 |
| Pretax return on assets | 1.2983% | 1,981 |
| Return on Equity (ROE) | 9.4210% | 2,232 |
| Retained earnings to average equity (ytd only) | 5.4179% | 2,086 |
| Net charge-offs to loans | 0.0460% | 2,147 |
| Credit loss provision to net charge-offs | 655.9917% | 1,042 |
| Earnings coverage of net charge-offs (x) | 56.6467% | 1,101 |
| Efficiency ratio | 63.3629% | 2,919 |
| Assets per employee ($millions) | 6.7583% | 1,734 |
| Cash dividends to net income (ytd only)* | 42.4916% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 2,301 |
| Loan loss allowance to noncurrent loans | 425.7296% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 3,029 |
| Noncurrent loans to loans | 0.3107% | 3,093 |
| Net loans and leases to total assets | 52.4234% | 3,635 |
| Net loans and leases to deposits | 63.0644% | 3,516 |
| Net loans and leases to core deposits | 70.4905% | 3,226 |
| Total domestic deposits to total assets | 83.1267% | 3,375 |
| Equity capital to assets | 11.6264% | 1,791 |
| Core capital (leverage) ratio | 9.6659% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,924,541,800 | 487 |
| Average earning assets | $1,786,374,600 | 490 |
| Average equity | $227,322,600 | 457 |
| Average total loans | $1,052,752,400 | 608 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 2,940 |
| Cost of funding earning assets | 0.7746% | 1,610 |
| Net interest margin | 3.2358% | 3,378 |
| Noninterest income to average assets | 0.9150% | 1,183 |
| Noninterest expense to average assets | 2.5030% | 2,834 |
| Loan and lease loss provision to assets | 0.1529% | 2,483 |
| Net operating income to assets | 1.0623% | 2,100 |
| Return on assets (ROA) | 1.1073% | 2,082 |
| Pretax return on assets | 1.3148% | 1,988 |
| Return on Equity (ROE) | 9.3356% | 2,267 |
| Retained earnings to average equity (ytd only) | 6.3730% | 1,933 |
| Net charge-offs to loans | 0.0411% | 2,040 |
| Credit loss provision to net charge-offs | 675.4658% | 1,093 |
| Earnings coverage of net charge-offs (x) | 62.4317% | 1,071 |
| Efficiency ratio | 63.6610% | 2,794 |
| Assets per employee ($millions) | 6.1714% | 2,116 |
| Cash dividends to net income (ytd only)* | 31.7339% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,539 |
| Loan loss allowance to noncurrent loans | 461.6810% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 3,173 |
| Noncurrent loans to loans | 0.2649% | 3,342 |
| Net loans and leases to total assets | 54.8671% | 3,724 |
| Net loans and leases to deposits | 66.5051% | 3,573 |
| Net loans and leases to core deposits | 74.9413% | 3,244 |
| Total domestic deposits to total assets | 82.5006% | 3,283 |
| Equity capital to assets | 11.8067% | 1,794 |
| Core capital (leverage) ratio | 9.7968% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,897,115,000 | 486 |
| Average earning assets | $1,759,352,250 | 487 |
| Average equity | $225,026,000 | 453 |
| Average total loans | $1,045,761,000 | 605 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 3,160 |
| Cost of funding earning assets | 0.8576% | 1,562 |
| Net interest margin | 3.2032% | 3,662 |
| Noninterest income to average assets | 0.8529% | 1,280 |
| Noninterest expense to average assets | 2.5250% | 2,897 |
| Loan and lease loss provision to assets | 0.0829% | 3,247 |
| Net operating income to assets | 1.0209% | 2,251 |
| Return on assets (ROA) | 1.0876% | 2,132 |
| Pretax return on assets | 1.2918% | 2,055 |
| Return on Equity (ROE) | 9.1539% | 2,292 |
| Retained earnings to average equity (ytd only) | 6.0918% | 2,038 |
| Net charge-offs to loans | 0.0623% | 1,624 |
| Credit loss provision to net charge-offs | 242.1875% | 1,770 |
| Earnings coverage of net charge-offs (x) | 37.7969% | 1,289 |
| Efficiency ratio | 65.8448% | 2,544 |
| Assets per employee ($millions) | 5.9266% | 2,250 |
| Cash dividends to net income (ytd only)* | 33.4514% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 2,947 |
| Loan loss allowance to noncurrent loans | 353.2513% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 3,244 |
| Noncurrent loans to loans | 0.3165% | 3,252 |
| Net loans and leases to total assets | 54.7023% | 3,818 |
| Net loans and leases to deposits | 66.2474% | 3,697 |
| Net loans and leases to core deposits | 75.0245% | 3,368 |
| Total domestic deposits to total assets | 82.5728% | 3,212 |
| Equity capital to assets | 11.7755% | 1,793 |
| Core capital (leverage) ratio | 9.8365% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,869,144,000 | 487 |
| Average earning assets | $1,730,917,000 | 491 |
| Average equity | $222,070,000 | 455 |
| Average total loans | $1,027,551,333 | 601 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 3,095 |
| Cost of funding earning assets | 0.9783% | 1,520 |
| Net interest margin | 3.2601% | 3,693 |
| Noninterest income to average assets | 0.8469% | 1,169 |
| Noninterest expense to average assets | 2.5672% | 3,082 |
| Loan and lease loss provision to assets | 0.0273% | 3,449 |
| Net operating income to assets | 1.0592% | 1,974 |
| Return on assets (ROA) | 1.1846% | 1,683 |
| Pretax return on assets | 1.4202% | 1,508 |
| Return on Equity (ROE) | 9.9239% | 1,769 |
| Retained earnings to average equity (ytd only) | 6.8089% | 1,607 |
| Net charge-offs to loans | 0.0479% | 1,532 |
| Credit loss provision to net charge-offs | 104.1667% | 1,789 |
| Earnings coverage of net charge-offs (x) | 49.3417% | 906 |
| Efficiency ratio | 66.1966% | 2,930 |
| Assets per employee ($millions) | 5.4081% | 2,217 |
| Cash dividends to net income (ytd only)* | 31.3885% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 2,930 |
| Loan loss allowance to noncurrent loans | 358.9981% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 3,336 |
| Noncurrent loans to loans | 0.3205% | 3,344 |
| Net loans and leases to total assets | 54.4071% | 3,951 |
| Net loans and leases to deposits | 66.5451% | 3,829 |
| Net loans and leases to core deposits | 77.0210% | 3,430 |
| Total domestic deposits to total assets | 81.7596% | 3,480 |
| Equity capital to assets | 12.2594% | 1,879 |
| Core capital (leverage) ratio | 10.1057% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,828,787,000 | 481 |
| Average earning assets | $1,691,507,000 | 480 |
| Average equity | $218,302,000 | 462 |
| Average total loans | $1,001,988,500 | 596 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 3,123 |
| Cost of funding earning assets | 1.0761% | 1,417 |
| Net interest margin | 3.3724% | 3,818 |
| Noninterest income to average assets | 0.9113% | 1,157 |
| Noninterest expense to average assets | 2.7147% | 2,845 |
| Loan and lease loss provision to assets | 0.0307% | 3,401 |
| Net operating income to assets | 1.0867% | 2,496 |
| Return on assets (ROA) | 1.0869% | 2,590 |
| Pretax return on assets | 1.2755% | 2,595 |
| Return on Equity (ROE) | 9.4697% | 2,535 |
| Retained earnings to average equity (ytd only) | 4.9189% | 2,462 |
| Net charge-offs to loans | 0.0310% | 2,773 |
| Credit loss provision to net charge-offs | 173.6334% | 1,495 |
| Earnings coverage of net charge-offs (x) | 73.8907% | 846 |
| Efficiency ratio | 67.2684% | 2,567 |
| Assets per employee ($millions) | 5.6830% | 1,892 |
| Cash dividends to net income (ytd only)* | 48.0568% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 2,606 |
| Loan loss allowance to noncurrent loans | 380.8664% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 3,358 |
| Noncurrent loans to loans | 0.3063% | 3,341 |
| Net loans and leases to total assets | 53.9018% | 4,081 |
| Net loans and leases to deposits | 65.4304% | 3,985 |
| Net loans and leases to core deposits | 76.2047% | 3,564 |
| Total domestic deposits to total assets | 82.3804% | 3,404 |
| Equity capital to assets | 11.6130% | 2,418 |
| Core capital (leverage) ratio | 10.0662% | 3,440 |
| Tier 1 risk-based capital ratio | 15.1862% | 2,707 |
| Total risk-based capital ratio | 16.1843% | 2,748 |
| Memoranda: | ||
| Average total assets | $1,761,320,400 | 484 |
| Average earning assets | $1,623,258,400 | 475 |
| Average equity | $202,160,400 | 471 |
| Average total loans | $1,002,278,000 | 573 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 3,102 |
| Cost of funding earning assets | 1.0775% | 1,436 |
| Net interest margin | 3.4089% | 3,844 |
| Noninterest income to average assets | 0.9030% | 1,132 |
| Noninterest expense to average assets | 2.7503% | 2,712 |
| Loan and lease loss provision to assets | 0.0412% | 3,079 |
| Net operating income to assets | 1.0622% | 2,727 |
| Return on assets (ROA) | 1.0640% | 2,801 |
| Pretax return on assets | 1.2539% | 2,808 |
| Return on Equity (ROE) | 9.2986% | 2,761 |
| Retained earnings to average equity (ytd only) | 5.8275% | 2,447 |
| Net charge-offs to loans | 0.0183% | 2,767 |
| Credit loss provision to net charge-offs | 391.3043% | 776 |
| Earnings coverage of net charge-offs (x) | 122.5549% | 633 |
| Efficiency ratio | 67.7689% | 2,459 |
| Assets per employee ($millions) | 5.3032% | 2,223 |
| Cash dividends to net income (ytd only)* | 37.3295% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,714 |
| Loan loss allowance to noncurrent loans | 411.6742% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 3,500 |
| Noncurrent loans to loans | 0.2819% | 3,530 |
| Net loans and leases to total assets | 56.3028% | 4,027 |
| Net loans and leases to deposits | 68.1827% | 3,909 |
| Net loans and leases to core deposits | 80.1416% | 3,382 |
| Total domestic deposits to total assets | 82.5764% | 3,292 |
| Equity capital to assets | 11.8435% | 2,382 |
| Core capital (leverage) ratio | 10.3178% | 3,292 |
| Tier 1 risk-based capital ratio | 15.1191% | 2,796 |
| Total risk-based capital ratio | 16.1345% | 2,834 |
| Memoranda: | ||
| Average total assets | $1,745,592,250 | 486 |
| Average earning assets | $1,607,484,000 | 480 |
| Average equity | $199,738,500 | 479 |
| Average total loans | $1,004,122,500 | 573 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 3,069 |
| Cost of funding earning assets | 1.0636% | 1,436 |
| Net interest margin | 3.4183% | 3,838 |
| Noninterest income to average assets | 0.8517% | 1,200 |
| Noninterest expense to average assets | 2.7447% | 2,771 |
| Loan and lease loss provision to assets | 0.0467% | 2,877 |
| Net operating income to assets | 1.0324% | 2,791 |
| Return on assets (ROA) | 1.0379% | 2,847 |
| Pretax return on assets | 1.2156% | 2,854 |
| Return on Equity (ROE) | 9.1809% | 2,780 |
| Retained earnings to average equity (ytd only) | 5.9151% | 2,325 |
| Net charge-offs to loans | 0.0148% | 2,613 |
| Credit loss provision to net charge-offs | 547.2973% | 562 |
| Earnings coverage of net charge-offs (x) | 146.9459% | 509 |
| Efficiency ratio | 68.3533% | 2,475 |
| Assets per employee ($millions) | 5.0298% | 2,441 |
| Cash dividends to net income (ytd only)* | 35.5714% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 2,697 |
| Loan loss allowance to noncurrent loans | 312.1867% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 3,371 |
| Noncurrent loans to loans | 0.3732% | 3,188 |
| Net loans and leases to total assets | 56.5734% | 4,040 |
| Net loans and leases to deposits | 67.4344% | 3,999 |
| Net loans and leases to core deposits | 79.2287% | 3,487 |
| Total domestic deposits to total assets | 83.8939% | 2,910 |
| Equity capital to assets | 11.6656% | 2,475 |
| Core capital (leverage) ratio | 10.1596% | 3,433 |
| Tier 1 risk-based capital ratio | 15.1070% | 2,788 |
| Total risk-based capital ratio | 16.1315% | 2,807 |
| Memoranda: | ||
| Average total assets | $1,733,501,000 | 485 |
| Average earning assets | $1,596,228,000 | 480 |
| Average equity | $195,973,000 | 481 |
| Average total loans | $1,000,490,670 | 573 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 2,976 |
| Cost of funding earning assets | 1.0175% | 1,492 |
| Net interest margin | 3.4502% | 3,748 |
| Noninterest income to average assets | 0.8348% | 1,202 |
| Noninterest expense to average assets | 2.7436% | 2,765 |
| Loan and lease loss provision to assets | 0.0313% | 2,996 |
| Net operating income to assets | 1.0499% | 2,659 |
| Return on assets (ROA) | 1.0445% | 2,718 |
| Pretax return on assets | 1.2289% | 2,702 |
| Return on Equity (ROE) | 9.3918% | 2,636 |
| Retained earnings to average equity (ytd only) | 6.4686% | 2,257 |
| Net charge-offs to loans | -0.0204% | 4,496 |
| Credit loss provision to net charge-offs | -264.7059% | 3,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1592% | 2,620 |
| Assets per employee ($millions) | 5.1230% | 2,366 |
| Cash dividends to net income (ytd only)* | 31.1249% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 2,767 |
| Loan loss allowance to noncurrent loans | 262.8325% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 3,237 |
| Noncurrent loans to loans | 0.4431% | 2,995 |
| Net loans and leases to total assets | 56.3304% | 4,040 |
| Net loans and leases to deposits | 67.8466% | 3,939 |
| Net loans and leases to core deposits | 78.8750% | 3,457 |
| Total domestic deposits to total assets | 83.0261% | 3,373 |
| Equity capital to assets | 11.2916% | 2,568 |
| Core capital (leverage) ratio | 10.1166% | 3,471 |
| Tier 1 risk-based capital ratio | 15.0765% | 2,856 |
| Total risk-based capital ratio | 16.1027% | 2,870 |
| Memoranda: | ||
| Average total assets | $1,722,553,500 | 491 |
| Average earning assets | $1,584,709,000 | 482 |
| Average equity | $191,571,000 | 485 |
| Average total loans | $998,339,000 | 577 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 2,825 |
| Cost of funding earning assets | 0.7549% | 1,761 |
| Net interest margin | 3.6253% | 3,297 |
| Noninterest income to average assets | 0.9230% | 1,123 |
| Noninterest expense to average assets | 2.8650% | 2,468 |
| Loan and lease loss provision to assets | 0.0595% | 2,974 |
| Net operating income to assets | 1.1228% | 2,507 |
| Return on assets (ROA) | 1.1295% | 2,478 |
| Pretax return on assets | 1.3281% | 2,405 |
| Return on Equity (ROE) | 10.2040% | 2,442 |
| Retained earnings to average equity (ytd only) | 2.9940% | 3,906 |
| Net charge-offs to loans | -0.0132% | 4,570 |
| Credit loss provision to net charge-offs | -787.3016% | 4,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2436% | 2,669 |
| Assets per employee ($millions) | 5.2897% | 2,159 |
| Cash dividends to net income (ytd only)* | 70.6582% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 2,913 |
| Loan loss allowance to noncurrent loans | 389.9897% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 3,276 |
| Noncurrent loans to loans | 0.2906% | 3,525 |
| Net loans and leases to total assets | 58.2735% | 3,935 |
| Net loans and leases to deposits | 70.0645% | 3,820 |
| Net loans and leases to core deposits | 81.7559% | 3,282 |
| Total domestic deposits to total assets | 83.1713% | 3,269 |
| Equity capital to assets | 10.9472% | 2,733 |
| Core capital (leverage) ratio | 9.9478% | 3,649 |
| Tier 1 risk-based capital ratio | 14.5708% | 3,033 |
| Total risk-based capital ratio | 15.5637% | 3,074 |
| Memoranda: | ||
| Average total assets | $1,666,551,200 | 490 |
| Average earning assets | $1,526,394,600 | 489 |
| Average equity | $184,466,000 | 480 |
| Average total loans | $957,397,000 | 580 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 2,901 |
| Cost of funding earning assets | 0.6879% | 1,922 |
| Net interest margin | 3.6303% | 3,267 |
| Noninterest income to average assets | 0.9174% | 1,147 |
| Noninterest expense to average assets | 2.8633% | 2,421 |
| Loan and lease loss provision to assets | 0.0456% | 3,078 |
| Net operating income to assets | 1.1309% | 2,527 |
| Return on assets (ROA) | 1.1422% | 2,491 |
| Pretax return on assets | 1.3471% | 2,440 |
| Return on Equity (ROE) | 10.2900% | 2,483 |
| Retained earnings to average equity (ytd only) | 5.6516% | 2,854 |
| Net charge-offs to loans | -0.0505% | 4,932 |
| Credit loss provision to net charge-offs | -158.3799% | 4,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2363% | 2,674 |
| Assets per employee ($millions) | 4.9725% | 2,502 |
| Cash dividends to net income (ytd only)* | 45.0768% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,007 |
| Loan loss allowance to noncurrent loans | 265.5271% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 3,003 |
| Noncurrent loans to loans | 0.4268% | 3,130 |
| Net loans and leases to total assets | 58.0521% | 4,035 |
| Net loans and leases to deposits | 69.9550% | 3,919 |
| Net loans and leases to core deposits | 82.7936% | 3,267 |
| Total domestic deposits to total assets | 82.9849% | 3,310 |
| Equity capital to assets | 10.9302% | 2,724 |
| Core capital (leverage) ratio | 10.3003% | 3,290 |
| Tier 1 risk-based capital ratio | 15.0318% | 2,870 |
| Total risk-based capital ratio | 16.0270% | 2,907 |
| Memoranda: | ||
| Average total assets | $1,657,371,250 | 490 |
| Average earning assets | $1,517,525,250 | 490 |
| Average equity | $183,967,250 | 479 |
| Average total loans | $945,763,250 | 583 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 2,919 |
| Cost of funding earning assets | 0.6062% | 2,186 |
| Net interest margin | 3.6504% | 3,116 |
| Noninterest income to average assets | 0.9160% | 1,137 |
| Noninterest expense to average assets | 2.8705% | 2,433 |
| Loan and lease loss provision to assets | 0.0172% | 3,549 |
| Net operating income to assets | 1.1576% | 2,361 |
| Return on assets (ROA) | 1.1787% | 2,287 |
| Pretax return on assets | 1.3978% | 2,157 |
| Return on Equity (ROE) | 10.5642% | 2,302 |
| Retained earnings to average equity (ytd only) | 5.3484% | 2,910 |
| Net charge-offs to loans | -0.1238% | 5,217 |
| Credit loss provision to net charge-offs | -24.6101% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1259% | 2,795 |
| Assets per employee ($millions) | 4.7335% | 2,776 |
| Cash dividends to net income (ytd only)* | 49.3726% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,991 |
| Loan loss allowance to noncurrent loans | 260.4270% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 3,014 |
| Noncurrent loans to loans | 0.4408% | 3,112 |
| Net loans and leases to total assets | 57.0532% | 4,079 |
| Net loans and leases to deposits | 68.4568% | 3,989 |
| Net loans and leases to core deposits | 79.7200% | 3,442 |
| Total domestic deposits to total assets | 83.3420% | 3,312 |
| Equity capital to assets | 11.0988% | 2,542 |
| Core capital (leverage) ratio | 10.3574% | 3,175 |
| Tier 1 risk-based capital ratio | 15.2830% | 2,738 |
| Total risk-based capital ratio | 16.2949% | 2,781 |
| Memoranda: | ||
| Average total assets | $1,649,598,330 | 492 |
| Average earning assets | $1,510,689,330 | 489 |
| Average equity | $184,055,330 | 476 |
| Average total loans | $932,064,670 | 592 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 2,962 |
| Cost of funding earning assets | 0.5417% | 2,466 |
| Net interest margin | 3.6345% | 3,049 |
| Noninterest income to average assets | 0.9011% | 1,145 |
| Noninterest expense to average assets | 2.8524% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1567% | 2,186 |
| Return on assets (ROA) | 1.2039% | 1,998 |
| Pretax return on assets | 1.4323% | 1,892 |
| Return on Equity (ROE) | 10.7611% | 2,061 |
| Retained earnings to average equity (ytd only) | 3.8100% | 3,672 |
| Net charge-offs to loans | -0.1887% | 5,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2032% | 2,967 |
| Assets per employee ($millions) | 4.7285% | 2,815 |
| Cash dividends to net income (ytd only)* | 64.5943% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 3,046 |
| Loan loss allowance to noncurrent loans | 219.8191% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 2,964 |
| Noncurrent loans to loans | 0.5271% | 2,942 |
| Net loans and leases to total assets | 55.7486% | 4,141 |
| Net loans and leases to deposits | 67.2408% | 4,003 |
| Net loans and leases to core deposits | 76.2904% | 3,651 |
| Total domestic deposits to total assets | 82.9090% | 3,697 |
| Equity capital to assets | 11.1133% | 2,469 |
| Core capital (leverage) ratio | 10.2480% | 3,243 |
| Tier 1 risk-based capital ratio | 15.3372% | 2,723 |
| Total risk-based capital ratio | 16.3441% | 2,766 |
| Memoranda: | ||
| Average total assets | $1,646,035,000 | 497 |
| Average earning assets | $1,506,359,500 | 495 |
| Average equity | $184,145,000 | 479 |
| Average total loans | $920,001,000 | 600 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 3,125 |
| Cost of funding earning assets | 0.4830% | 2,477 |
| Net interest margin | 3.5980% | 3,173 |
| Noninterest income to average assets | 0.9491% | 1,143 |
| Noninterest expense to average assets | 2.7538% | 2,943 |
| Loan and lease loss provision to assets | 0.1303% | 1,762 |
| Net operating income to assets | 1.0589% | 2,026 |
| Return on assets (ROA) | 1.0813% | 1,947 |
| Pretax return on assets | 1.3873% | 2,034 |
| Return on Equity (ROE) | 9.5951% | 2,056 |
| Retained earnings to average equity (ytd only) | 4.1817% | 2,657 |
| Net charge-offs to loans | 0.0744% | 2,385 |
| Credit loss provision to net charge-offs | 322.9483% | 891 |
| Earnings coverage of net charge-offs (x) | 36.8511% | 1,327 |
| Efficiency ratio | 64.6632% | 3,502 |
| Assets per employee ($millions) | 4.8994% | 2,603 |
| Cash dividends to net income (ytd only)* | 56.4187% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,250 |
| Loan loss allowance to noncurrent loans | 201.0190% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 2,951 |
| Noncurrent loans to loans | 0.5564% | 2,833 |
| Net loans and leases to total assets | 54.7684% | 4,291 |
| Net loans and leases to deposits | 66.5797% | 4,140 |
| Net loans and leases to core deposits | 75.1942% | 3,803 |
| Total domestic deposits to total assets | 82.2600% | 3,796 |
| Equity capital to assets | 11.2602% | 2,391 |
| Core capital (leverage) ratio | 10.0588% | 3,380 |
| Tier 1 risk-based capital ratio | 15.3870% | 2,666 |
| Total risk-based capital ratio | 16.3627% | 2,729 |
| Memoranda: | ||
| Average total assets | $1,630,993,600 | 482 |
| Average earning assets | $1,492,020,000 | 480 |
| Average equity | $183,803,000 | 465 |
| Average total loans | $884,198,000 | 598 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 3,129 |
| Cost of funding earning assets | 0.4697% | 2,527 |
| Net interest margin | 3.5922% | 3,183 |
| Noninterest income to average assets | 0.9498% | 1,141 |
| Noninterest expense to average assets | 2.7241% | 2,984 |
| Loan and lease loss provision to assets | 0.1436% | 1,469 |
| Net operating income to assets | 1.0702% | 2,227 |
| Return on assets (ROA) | 1.1018% | 2,135 |
| Pretax return on assets | 1.4127% | 2,082 |
| Return on Equity (ROE) | 9.7746% | 2,219 |
| Retained earnings to average equity (ytd only) | 5.0788% | 2,835 |
| Net charge-offs to loans | 0.1067% | 1,719 |
| Credit loss provision to net charge-offs | 249.6434% | 1,142 |
| Earnings coverage of net charge-offs (x) | 26.3139% | 1,684 |
| Efficiency ratio | 64.0015% | 3,541 |
| Assets per employee ($millions) | 4.7884% | 2,712 |
| Cash dividends to net income (ytd only)* | 48.0411% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,564 |
| Loan loss allowance to noncurrent loans | 191.7008% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 3,186 |
| Noncurrent loans to loans | 0.5672% | 2,995 |
| Net loans and leases to total assets | 54.6579% | 4,358 |
| Net loans and leases to deposits | 66.8491% | 4,194 |
| Net loans and leases to core deposits | 75.6104% | 3,830 |
| Total domestic deposits to total assets | 81.7630% | 3,847 |
| Equity capital to assets | 11.5611% | 2,309 |
| Core capital (leverage) ratio | 10.2222% | 3,289 |
| Tier 1 risk-based capital ratio | 15.5453% | 2,691 |
| Total risk-based capital ratio | 16.4929% | 2,750 |
| Memoranda: | ||
| Average total assets | $1,624,741,750 | 484 |
| Average earning assets | $1,487,160,750 | 484 |
| Average equity | $183,136,500 | 471 |
| Average total loans | $875,941,500 | 600 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,131 |
| Cost of funding earning assets | 0.4590% | 2,518 |
| Net interest margin | 3.5631% | 3,174 |
| Noninterest income to average assets | 0.9485% | 1,134 |
| Noninterest expense to average assets | 2.6828% | 3,149 |
| Loan and lease loss provision to assets | 0.1481% | 1,372 |
| Net operating income to assets | 1.0722% | 2,119 |
| Return on assets (ROA) | 1.1240% | 1,930 |
| Pretax return on assets | 1.4466% | 1,836 |
| Return on Equity (ROE) | 10.0589% | 2,013 |
| Retained earnings to average equity (ytd only) | 4.5915% | 2,980 |
| Net charge-offs to loans | 0.0861% | 1,750 |
| Credit loss provision to net charge-offs | 321.7158% | 915 |
| Earnings coverage of net charge-offs (x) | 33.1501% | 1,397 |
| Efficiency ratio | 63.4596% | 3,769 |
| Assets per employee ($millions) | 4.7969% | 2,656 |
| Cash dividends to net income (ytd only)* | 54.3538% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 3,651 |
| Loan loss allowance to noncurrent loans | 132.6438% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 2,758 |
| Noncurrent loans to loans | 0.8205% | 2,350 |
| Net loans and leases to total assets | 53.7525% | 4,413 |
| Net loans and leases to deposits | 65.0645% | 4,297 |
| Net loans and leases to core deposits | 73.5052% | 3,980 |
| Total domestic deposits to total assets | 82.6142% | 3,681 |
| Equity capital to assets | 11.5181% | 2,308 |
| Core capital (leverage) ratio | 10.0567% | 3,461 |
| Tier 1 risk-based capital ratio | 15.6569% | 2,639 |
| Total risk-based capital ratio | 16.6062% | 2,713 |
| Memoranda: | ||
| Average total assets | $1,620,448,000 | 488 |
| Average earning assets | $1,482,801,670 | 488 |
| Average equity | $181,073,000 | 475 |
| Average total loans | $866,278,670 | 609 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 3,075 |
| Cost of funding earning assets | 0.4525% | 2,505 |
| Net interest margin | 3.5373% | 3,136 |
| Noninterest income to average assets | 0.9256% | 1,175 |
| Noninterest expense to average assets | 2.7255% | 3,050 |
| Loan and lease loss provision to assets | 0.1607% | 1,119 |
| Net operating income to assets | 1.0203% | 2,225 |
| Return on assets (ROA) | 1.0940% | 1,939 |
| Pretax return on assets | 1.3655% | 2,008 |
| Return on Equity (ROE) | 9.9439% | 1,986 |
| Retained earnings to average equity (ytd only) | 2.1893% | 4,269 |
| Net charge-offs to loans | -0.0126% | 4,518 |
| Credit loss provision to net charge-offs | -2,407.4074% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2670% | 3,621 |
| Assets per employee ($millions) | 4.9137% | 2,558 |
| Cash dividends to net income (ytd only)* | 77.9837% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,750 |
| Loan loss allowance to noncurrent loans | 124.0891% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 2,741 |
| Noncurrent loans to loans | 0.8803% | 2,274 |
| Net loans and leases to total assets | 52.3955% | 4,479 |
| Net loans and leases to deposits | 63.1049% | 4,361 |
| Net loans and leases to core deposits | 70.2944% | 4,127 |
| Total domestic deposits to total assets | 83.0293% | 3,821 |
| Equity capital to assets | 10.9835% | 2,638 |
| Core capital (leverage) ratio | 9.9267% | 3,594 |
| Tier 1 risk-based capital ratio | 15.4207% | 2,787 |
| Total risk-based capital ratio | 16.3594% | 2,850 |
| Memoranda: | ||
| Average total assets | $1,617,589,500 | 492 |
| Average earning assets | $1,478,086,000 | 487 |
| Average equity | $177,957,500 | 477 |
| Average total loans | $857,556,500 | 619 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 3,253 |
| Cost of funding earning assets | 0.4577% | 2,468 |
| Net interest margin | 3.5271% | 3,326 |
| Noninterest income to average assets | 1.0052% | 1,133 |
| Noninterest expense to average assets | 2.8334% | 2,910 |
| Loan and lease loss provision to assets | 0.1268% | 1,958 |
| Net operating income to assets | 1.0127% | 2,297 |
| Return on assets (ROA) | 1.0378% | 2,294 |
| Pretax return on assets | 1.2965% | 2,295 |
| Return on Equity (ROE) | 9.0698% | 2,383 |
| Retained earnings to average equity (ytd only) | 5.1981% | 2,204 |
| Net charge-offs to loans | 0.1452% | 1,810 |
| Credit loss provision to net charge-offs | 166.3621% | 1,670 |
| Earnings coverage of net charge-offs (x) | 18.2400% | 1,979 |
| Efficiency ratio | 66.8020% | 3,466 |
| Assets per employee ($millions) | 4.8452% | 2,582 |
| Cash dividends to net income (ytd only)* | 42.6881% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 4,101 |
| Loan loss allowance to noncurrent loans | 195.7906% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 3,213 |
| Noncurrent loans to loans | 0.5293% | 3,263 |
| Net loans and leases to total assets | 52.5059% | 4,566 |
| Net loans and leases to deposits | 62.5972% | 4,500 |
| Net loans and leases to core deposits | 70.7636% | 4,176 |
| Total domestic deposits to total assets | 83.8791% | 3,466 |
| Equity capital to assets | 11.0197% | 2,617 |
| Core capital (leverage) ratio | 9.8909% | 3,642 |
| Tier 1 risk-based capital ratio | 15.6925% | 2,672 |
| Total risk-based capital ratio | 16.5823% | 2,757 |
| Memoranda: | ||
| Average total assets | $1,580,027,000 | 484 |
| Average earning assets | $1,441,622,200 | 482 |
| Average equity | $180,797,200 | 460 |
| Average total loans | $829,477,000 | 617 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,353 |
| Cost of funding earning assets | 0.4573% | 2,484 |
| Net interest margin | 3.5076% | 3,439 |
| Noninterest income to average assets | 0.9774% | 1,195 |
| Noninterest expense to average assets | 2.7804% | 3,073 |
| Loan and lease loss provision to assets | 0.1399% | 1,674 |
| Net operating income to assets | 1.0012% | 2,427 |
| Return on assets (ROA) | 1.0328% | 2,404 |
| Pretax return on assets | 1.3000% | 2,432 |
| Return on Equity (ROE) | 8.9416% | 2,526 |
| Retained earnings to average equity (ytd only) | 6.0837% | 2,136 |
| Net charge-offs to loans | 0.0860% | 2,103 |
| Credit loss provision to net charge-offs | 310.7143% | 1,002 |
| Earnings coverage of net charge-offs (x) | 31.0600% | 1,454 |
| Efficiency ratio | 66.2413% | 3,554 |
| Assets per employee ($millions) | 4.9035% | 2,487 |
| Cash dividends to net income (ytd only)* | 31.9620% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 4,090 |
| Loan loss allowance to noncurrent loans | 146.1822% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 3,191 |
| Noncurrent loans to loans | 0.7226% | 2,866 |
| Net loans and leases to total assets | 52.5917% | 4,605 |
| Net loans and leases to deposits | 63.6923% | 4,509 |
| Net loans and leases to core deposits | 72.1246% | 4,152 |
| Total domestic deposits to total assets | 82.5715% | 3,753 |
| Equity capital to assets | 11.5797% | 2,453 |
| Core capital (leverage) ratio | 9.8652% | 3,736 |
| Tier 1 risk-based capital ratio | 15.4361% | 2,856 |
| Total risk-based capital ratio | 16.3487% | 2,938 |
| Memoranda: | ||
| Average total assets | $1,575,301,750 | 483 |
| Average earning assets | $1,437,843,500 | 482 |
| Average equity | $181,947,250 | 461 |
| Average total loans | $824,765,500 | 614 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 3,357 |
| Cost of funding earning assets | 0.4762% | 2,304 |
| Net interest margin | 3.4911% | 3,516 |
| Noninterest income to average assets | 0.9295% | 1,294 |
| Noninterest expense to average assets | 2.6906% | 3,424 |
| Loan and lease loss provision to assets | 0.1471% | 1,558 |
| Net operating income to assets | 1.0253% | 2,270 |
| Return on assets (ROA) | 1.0873% | 2,133 |
| Pretax return on assets | 1.3622% | 2,156 |
| Return on Equity (ROE) | 10.0136% | 2,046 |
| Retained earnings to average equity (ytd only) | 6.3054% | 1,958 |
| Net charge-offs to loans | 0.0616% | 2,316 |
| Credit loss provision to net charge-offs | 456.7308% | 706 |
| Earnings coverage of net charge-offs (x) | 44.3750% | 1,082 |
| Efficiency ratio | 65.2257% | 3,802 |
| Assets per employee ($millions) | 4.7209% | 2,672 |
| Cash dividends to net income (ytd only)* | 37.0318% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,499 |
| Loan loss allowance to noncurrent loans | 170.6535% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 2,989 |
| Noncurrent loans to loans | 0.6880% | 3,015 |
| Net loans and leases to total assets | 53.2577% | 4,568 |
| Net loans and leases to deposits | 65.2600% | 4,396 |
| Net loans and leases to core deposits | 73.6782% | 4,012 |
| Total domestic deposits to total assets | 81.6085% | 4,115 |
| Equity capital to assets | 11.0098% | 3,051 |
| Core capital (leverage) ratio | 9.5910% | 4,081 |
| Tier 1 risk-based capital ratio | 14.9255% | 3,105 |
| Total risk-based capital ratio | 15.9420% | 3,155 |
| Memoranda: | ||
| Average total assets | $1,291,400,000 | 570 |
| Average earning assets | $1,180,214,000 | 567 |
| Average equity | $140,229,670 | 568 |
| Average total loans | $675,026,670 | 738 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,441 |
| Cost of funding earning assets | 0.4773% | 2,309 |
| Net interest margin | 3.4608% | 3,618 |
| Noninterest income to average assets | 0.9140% | 1,280 |
| Noninterest expense to average assets | 2.6478% | 3,582 |
| Loan and lease loss provision to assets | 0.1093% | 1,899 |
| Net operating income to assets | 1.0334% | 2,148 |
| Return on assets (ROA) | 1.0780% | 2,098 |
| Pretax return on assets | 1.3781% | 1,972 |
| Return on Equity (ROE) | 9.9987% | 1,982 |
| Retained earnings to average equity (ytd only) | 6.5229% | 2,127 |
| Net charge-offs to loans | 0.0577% | 1,940 |
| Credit loss provision to net charge-offs | 368.4211% | 749 |
| Earnings coverage of net charge-offs (x) | 48.1158% | 904 |
| Efficiency ratio | 64.8889% | 3,995 |
| Assets per employee ($millions) | 4.6935% | 2,756 |
| Cash dividends to net income (ytd only)* | 34.7625% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 3,579 |
| Loan loss allowance to noncurrent loans | 115.8761% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 2,627 |
| Noncurrent loans to loans | 1.0220% | 2,341 |
| Net loans and leases to total assets | 50.5326% | 4,758 |
| Net loans and leases to deposits | 60.6296% | 4,668 |
| Net loans and leases to core deposits | 67.8350% | 4,417 |
| Total domestic deposits to total assets | 83.3464% | 3,772 |
| Equity capital to assets | 10.8798% | 3,070 |
| Core capital (leverage) ratio | 9.6044% | 4,031 |
| Tier 1 risk-based capital ratio | 15.4920% | 2,922 |
| Total risk-based capital ratio | 16.5039% | 2,978 |
| Memoranda: | ||
| Average total assets | $1,280,901,000 | 570 |
| Average earning assets | $1,170,002,500 | 570 |
| Average equity | $138,098,500 | 573 |
| Average total loans | $658,911,500 | 753 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 3,507 |
| Cost of funding earning assets | 0.4994% | 2,160 |
| Net interest margin | 3.4539% | 3,703 |
| Noninterest income to average assets | 0.9815% | 1,223 |
| Noninterest expense to average assets | 2.7567% | 3,394 |
| Loan and lease loss provision to assets | 0.0675% | 2,944 |
| Net operating income to assets | 1.0376% | 2,181 |
| Return on assets (ROA) | 1.0978% | 2,009 |
| Pretax return on assets | 1.3860% | 1,953 |
| Return on Equity (ROE) | 10.3683% | 1,858 |
| Retained earnings to average equity (ytd only) | 5.3071% | 2,208 |
| Net charge-offs to loans | 0.1226% | 2,143 |
| Credit loss provision to net charge-offs | 110.2464% | 2,294 |
| Earnings coverage of net charge-offs (x) | 22.4604% | 1,770 |
| Efficiency ratio | 66.6417% | 3,805 |
| Assets per employee ($millions) | 4.6390% | 2,831 |
| Cash dividends to net income (ytd only)* | 48.8140% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 3,755 |
| Loan loss allowance to noncurrent loans | 176.0652% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 3,131 |
| Noncurrent loans to loans | 0.6530% | 3,231 |
| Net loans and leases to total assets | 51.1540% | 4,760 |
| Net loans and leases to deposits | 61.7157% | 4,655 |
| Net loans and leases to core deposits | 69.5978% | 4,328 |
| Total domestic deposits to total assets | 82.8865% | 3,875 |
| Equity capital to assets | 10.6813% | 3,154 |
| Core capital (leverage) ratio | 9.4464% | 4,255 |
| Tier 1 risk-based capital ratio | 15.0675% | 3,146 |
| Total risk-based capital ratio | 16.0344% | 3,216 |
| Memoranda: | ||
| Average total assets | $1,259,629,000 | 564 |
| Average earning assets | $1,148,776,000 | 557 |
| Average equity | $133,367,600 | 572 |
| Average total loans | $628,952,000 | 742 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,587 |
| Cost of funding earning assets | 0.5034% | 2,179 |
| Net interest margin | 3.4362% | 3,814 |
| Noninterest income to average assets | 0.9907% | 1,206 |
| Noninterest expense to average assets | 2.7931% | 3,219 |
| Loan and lease loss provision to assets | 0.0371% | 3,468 |
| Net operating income to assets | 1.0123% | 2,410 |
| Return on assets (ROA) | 1.0898% | 2,138 |
| Pretax return on assets | 1.3965% | 2,028 |
| Return on Equity (ROE) | 10.3155% | 1,966 |
| Retained earnings to average equity (ytd only) | 6.8509% | 1,759 |
| Net charge-offs to loans | 0.1338% | 1,796 |
| Credit loss provision to net charge-offs | 56.0897% | 2,961 |
| Earnings coverage of net charge-offs (x) | 20.1138% | 1,889 |
| Efficiency ratio | 67.6355% | 3,607 |
| Assets per employee ($millions) | 4.5161% | 2,980 |
| Cash dividends to net income (ytd only)* | 33.5865% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 4,243 |
| Loan loss allowance to noncurrent loans | 158.7536% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 3,062 |
| Noncurrent loans to loans | 0.6910% | 3,249 |
| Net loans and leases to total assets | 51.5805% | 4,791 |
| Net loans and leases to deposits | 62.4274% | 4,684 |
| Net loans and leases to core deposits | 71.0309% | 4,278 |
| Total domestic deposits to total assets | 82.6248% | 3,948 |
| Equity capital to assets | 10.8237% | 3,218 |
| Core capital (leverage) ratio | 9.5190% | 4,277 |
| Tier 1 risk-based capital ratio | 15.1819% | 3,197 |
| Total risk-based capital ratio | 16.1123% | 3,309 |
| Memoranda: | ||
| Average total assets | $1,256,765,000 | 567 |
| Average earning assets | $1,146,236,000 | 564 |
| Average equity | $132,767,250 | 579 |
| Average total loans | $621,746,750 | 759 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 3,644 |
| Cost of funding earning assets | 0.5057% | 2,201 |
| Net interest margin | 3.4049% | 3,894 |
| Noninterest income to average assets | 0.9915% | 1,198 |
| Noninterest expense to average assets | 2.7946% | 3,251 |
| Loan and lease loss provision to assets | 0.0319% | 3,483 |
| Net operating income to assets | 0.9863% | 2,467 |
| Return on assets (ROA) | 1.0748% | 2,139 |
| Pretax return on assets | 1.3871% | 2,038 |
| Return on Equity (ROE) | 10.2582% | 1,951 |
| Retained earnings to average equity (ytd only) | 6.8378% | 1,777 |
| Net charge-offs to loans | 0.0610% | 2,510 |
| Credit loss provision to net charge-offs | 107.5269% | 1,953 |
| Earnings coverage of net charge-offs (x) | 43.9731% | 1,055 |
| Efficiency ratio | 68.1244% | 3,651 |
| Assets per employee ($millions) | 4.4624% | 3,042 |
| Cash dividends to net income (ytd only)* | 33.3432% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 3,900 |
| Loan loss allowance to noncurrent loans | 138.0917% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 2,880 |
| Noncurrent loans to loans | 0.8550% | 2,990 |
| Net loans and leases to total assets | 49.6858% | 4,962 |
| Net loans and leases to deposits | 59.7356% | 4,872 |
| Net loans and leases to core deposits | 67.4921% | 4,534 |
| Total domestic deposits to total assets | 83.1762% | 3,878 |
| Equity capital to assets | 10.4199% | 3,536 |
| Core capital (leverage) ratio | 9.3512% | 4,486 |
| Tier 1 risk-based capital ratio | 15.1640% | 3,267 |
| Total risk-based capital ratio | 16.1503% | 3,347 |
| Memoranda: | ||
| Average total assets | $1,255,688,330 | 567 |
| Average earning assets | $1,145,423,670 | 562 |
| Average equity | $131,563,670 | 580 |
| Average total loans | $609,955,330 | 774 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8510% | 3,820 |
| Cost of funding earning assets | 0.5111% | 2,188 |
| Net interest margin | 3.3399% | 4,060 |
| Noninterest income to average assets | 0.9654% | 1,200 |
| Noninterest expense to average assets | 2.7276% | 3,495 |
| Loan and lease loss provision to assets | 0.0319% | 3,250 |
| Net operating income to assets | 0.9878% | 2,318 |
| Return on assets (ROA) | 1.0718% | 2,085 |
| Pretax return on assets | 1.3625% | 2,030 |
| Return on Equity (ROE) | 10.2013% | 1,912 |
| Retained earnings to average equity (ytd only) | 6.8566% | 2,074 |
| Net charge-offs to loans | 0.0174% | 2,817 |
| Credit loss provision to net charge-offs | 384.6154% | 679 |
| Earnings coverage of net charge-offs (x) | 154.7692% | 349 |
| Efficiency ratio | 67.8793% | 3,847 |
| Assets per employee ($millions) | 4.5433% | 2,981 |
| Cash dividends to net income (ytd only)* | 32.7869% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 3,660 |
| Loan loss allowance to noncurrent loans | 129.8008% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 2,900 |
| Noncurrent loans to loans | 0.9661% | 2,840 |
| Net loans and leases to total assets | 46.7767% | 5,137 |
| Net loans and leases to deposits | 57.2150% | 4,968 |
| Net loans and leases to core deposits | 64.5521% | 4,651 |
| Total domestic deposits to total assets | 81.7560% | 4,584 |
| Equity capital to assets | 10.5219% | 3,508 |
| Core capital (leverage) ratio | 9.2874% | 4,595 |
| Tier 1 risk-based capital ratio | 15.5264% | 3,129 |
| Total risk-based capital ratio | 16.5642% | 3,187 |
| Memoranda: | ||
| Average total assets | $1,252,106,000 | 561 |
| Average earning assets | $1,142,555,000 | 561 |
| Average equity | $131,551,500 | 578 |
| Average total loans | $597,455,000 | 784 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 3,351 |
| Cost of funding earning assets | 0.5257% | 2,428 |
| Net interest margin | 3.5677% | 3,528 |
| Noninterest income to average assets | 1.0392% | 1,135 |
| Noninterest expense to average assets | 2.8264% | 3,395 |
| Loan and lease loss provision to assets | 0.0561% | 3,428 |
| Net operating income to assets | 1.0902% | 2,014 |
| Return on assets (ROA) | 1.1638% | 1,777 |
| Pretax return on assets | 1.4864% | 1,596 |
| Return on Equity (ROE) | 11.1266% | 1,681 |
| Retained earnings to average equity (ytd only) | 2.7286% | 4,301 |
| Net charge-offs to loans | 0.1682% | 2,349 |
| Credit loss provision to net charge-offs | 66.8317% | 3,138 |
| Earnings coverage of net charge-offs (x) | 17.2277% | 1,945 |
| Efficiency ratio | 66.0827% | 4,232 |
| Assets per employee ($millions) | 4.3383% | 3,290 |
| Cash dividends to net income (ytd only)* | 75.4764% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 3,638 |
| Loan loss allowance to noncurrent loans | 127.0243% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 2,962 |
| Noncurrent loans to loans | 0.9946% | 2,838 |
| Net loans and leases to total assets | 47.4652% | 5,207 |
| Net loans and leases to deposits | 58.4228% | 5,034 |
| Net loans and leases to core deposits | 66.1975% | 4,658 |
| Total domestic deposits to total assets | 81.2443% | 4,666 |
| Equity capital to assets | 10.4904% | 3,497 |
| Core capital (leverage) ratio | 9.2566% | 4,594 |
| Tier 1 risk-based capital ratio | 16.5295% | 2,699 |
| Total risk-based capital ratio | 17.6405% | 2,707 |
| Memoranda: | ||
| Average total assets | $1,203,946,400 | 558 |
| Average earning assets | $1,090,807,600 | 563 |
| Average equity | $125,923,600 | 578 |
| Average total loans | $600,351,400 | 734 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 3,281 |
| Cost of funding earning assets | 0.5249% | 2,518 |
| Net interest margin | 3.5985% | 3,431 |
| Noninterest income to average assets | 1.0502% | 1,115 |
| Noninterest expense to average assets | 2.7985% | 3,466 |
| Loan and lease loss provision to assets | 0.0696% | 2,956 |
| Net operating income to assets | 1.1151% | 1,972 |
| Return on assets (ROA) | 1.2169% | 1,686 |
| Pretax return on assets | 1.5726% | 1,416 |
| Return on Equity (ROE) | 11.6434% | 1,577 |
| Retained earnings to average equity (ytd only) | 2.9300% | 4,510 |
| Net charge-offs to loans | 0.1977% | 1,887 |
| Credit loss provision to net charge-offs | 69.9888% | 2,767 |
| Earnings coverage of net charge-offs (x) | 15.1668% | 2,076 |
| Efficiency ratio | 64.8890% | 4,393 |
| Assets per employee ($millions) | 4.3069% | 3,286 |
| Cash dividends to net income (ytd only)* | 74.8352% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,058 |
| Loan loss allowance to noncurrent loans | 102.9733% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0590% | 2,842 |
| Noncurrent loans to loans | 1.1965% | 2,658 |
| Net loans and leases to total assets | 50.0109% | 5,008 |
| Net loans and leases to deposits | 61.4830% | 4,796 |
| Net loans and leases to core deposits | 70.2525% | 4,300 |
| Total domestic deposits to total assets | 81.3410% | 4,718 |
| Equity capital to assets | 10.4978% | 3,561 |
| Core capital (leverage) ratio | 9.4481% | 4,438 |
| Tier 1 risk-based capital ratio | 16.1691% | 2,973 |
| Total risk-based capital ratio | 17.2729% | 3,002 |
| Memoranda: | ||
| Average total assets | $1,196,910,750 | 559 |
| Average earning assets | $1,083,307,500 | 566 |
| Average equity | $125,091,750 | 579 |
| Average total loans | $602,365,250 | 729 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 3,207 |
| Cost of funding earning assets | 0.5251% | 2,586 |
| Net interest margin | 3.6101% | 3,319 |
| Noninterest income to average assets | 1.0511% | 1,075 |
| Noninterest expense to average assets | 2.7699% | 3,612 |
| Loan and lease loss provision to assets | 0.0629% | 3,010 |
| Net operating income to assets | 1.1259% | 1,834 |
| Return on assets (ROA) | 1.2800% | 1,424 |
| Pretax return on assets | 1.6888% | 1,044 |
| Return on Equity (ROE) | 12.2662% | 1,356 |
| Retained earnings to average equity (ytd only) | 8.6500% | 1,095 |
| Net charge-offs to loans | 0.1289% | 2,376 |
| Credit loss provision to net charge-offs | 97.1503% | 2,058 |
| Earnings coverage of net charge-offs (x) | 23.8731% | 1,454 |
| Efficiency ratio | 64.1042% | 4,672 |
| Assets per employee ($millions) | 4.3149% | 3,241 |
| Cash dividends to net income (ytd only)* | 29.4811% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 4,031 |
| Loan loss allowance to noncurrent loans | 94.8487% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 2,747 |
| Noncurrent loans to loans | 1.3384% | 2,572 |
| Net loans and leases to total assets | 50.6156% | 4,898 |
| Net loans and leases to deposits | 62.7117% | 4,620 |
| Net loans and leases to core deposits | 72.2930% | 4,018 |
| Total domestic deposits to total assets | 80.7116% | 5,065 |
| Equity capital to assets | 10.7705% | 3,123 |
| Core capital (leverage) ratio | 9.6849% | 4,066 |
| Tier 1 risk-based capital ratio | 16.6069% | 2,778 |
| Total risk-based capital ratio | 17.7514% | 2,793 |
| Memoranda: | ||
| Average total assets | $1,192,467,670 | 562 |
| Average earning assets | $1,078,263,000 | 565 |
| Average equity | $124,439,670 | 579 |
| Average total loans | $598,886,330 | 724 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 3,328 |
| Cost of funding earning assets | 0.5258% | 2,650 |
| Net interest margin | 3.5622% | 3,423 |
| Noninterest income to average assets | 1.0463% | 1,021 |
| Noninterest expense to average assets | 2.8244% | 3,470 |
| Loan and lease loss provision to assets | 0.0757% | 2,627 |
| Net operating income to assets | 1.0202% | 2,128 |
| Return on assets (ROA) | 1.3239% | 1,201 |
| Pretax return on assets | 1.7754% | 833 |
| Return on Equity (ROE) | 12.8952% | 1,184 |
| Retained earnings to average equity (ytd only) | 9.2085% | 1,192 |
| Net charge-offs to loans | 0.0325% | 2,939 |
| Credit loss provision to net charge-offs | 468.7500% | 570 |
| Earnings coverage of net charge-offs (x) | 89.3125% | 500 |
| Efficiency ratio | 66.1094% | 4,514 |
| Assets per employee ($millions) | 4.3256% | 3,293 |
| Cash dividends to net income (ytd only)* | 28.5896% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 3,920 |
| Loan loss allowance to noncurrent loans | 103.9392% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.1343% | 2,982 |
| Noncurrent loans to loans | 1.2855% | 2,884 |
| Net loans and leases to total assets | 49.0940% | 4,990 |
| Net loans and leases to deposits | 59.8276% | 4,779 |
| Net loans and leases to core deposits | 68.0448% | 4,301 |
| Total domestic deposits to total assets | 82.0591% | 4,926 |
| Equity capital to assets | 10.3365% | 3,418 |
| Core capital (leverage) ratio | 9.5491% | 4,214 |
| Tier 1 risk-based capital ratio | 16.4461% | 2,923 |
| Total risk-based capital ratio | 17.6341% | 2,928 |
| Memoranda: | ||
| Average total assets | $1,188,926,500 | 569 |
| Average earning assets | $1,074,845,500 | 574 |
| Average equity | $122,061,000 | 595 |
| Average total loans | $590,846,000 | 738 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 3,435 |
| Cost of funding earning assets | 0.5677% | 2,947 |
| Net interest margin | 3.6064% | 3,441 |
| Noninterest income to average assets | 1.0905% | 1,184 |
| Noninterest expense to average assets | 2.8201% | 3,655 |
| Loan and lease loss provision to assets | 0.0662% | 3,805 |
| Net operating income to assets | 1.1278% | 1,840 |
| Return on assets (ROA) | 1.1994% | 1,635 |
| Pretax return on assets | 1.5543% | 1,285 |
| Return on Equity (ROE) | 11.6774% | 1,530 |
| Retained earnings to average equity (ytd only) | 7.3680% | 1,283 |
| Net charge-offs to loans | 0.1577% | 3,225 |
| Credit loss provision to net charge-offs | 84.9781% | 2,893 |
| Earnings coverage of net charge-offs (x) | 19.5768% | 1,598 |
| Efficiency ratio | 64.8313% | 4,762 |
| Assets per employee ($millions) | 4.1240% | 3,591 |
| Cash dividends to net income (ytd only)* | 36.9039% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 3,938 |
| Loan loss allowance to noncurrent loans | 91.6422% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3066% | 2,808 |
| Noncurrent loans to loans | 1.4625% | 2,697 |
| Net loans and leases to total assets | 48.9660% | 5,198 |
| Net loans and leases to deposits | 59.3804% | 4,993 |
| Net loans and leases to core deposits | 66.9974% | 4,615 |
| Total domestic deposits to total assets | 82.4616% | 4,720 |
| Equity capital to assets | 10.1949% | 3,511 |
| Core capital (leverage) ratio | 9.3172% | 4,521 |
| Tier 1 risk-based capital ratio | 16.2591% | 2,984 |
| Total risk-based capital ratio | 17.4378% | 2,965 |
| Memoranda: | ||
| Average total assets | $1,171,404,000 | 561 |
| Average earning assets | $1,056,882,200 | 561 |
| Average equity | $120,317,600 | 589 |
| Average total loans | $578,389,600 | 724 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 3,441 |
| Cost of funding earning assets | 0.5741% | 3,053 |
| Net interest margin | 3.6106% | 3,397 |
| Noninterest income to average assets | 1.1265% | 1,154 |
| Noninterest expense to average assets | 2.7739% | 3,751 |
| Loan and lease loss provision to assets | 0.0883% | 3,295 |
| Net operating income to assets | 1.1720% | 1,733 |
| Return on assets (ROA) | 1.1876% | 1,745 |
| Pretax return on assets | 1.5463% | 1,476 |
| Return on Equity (ROE) | 11.5406% | 1,645 |
| Retained earnings to average equity (ytd only) | 8.1366% | 1,358 |
| Net charge-offs to loans | 0.1444% | 3,098 |
| Credit loss provision to net charge-offs | 124.0000% | 1,897 |
| Earnings coverage of net charge-offs (x) | 22.6289% | 1,489 |
| Efficiency ratio | 63.1751% | 4,954 |
| Assets per employee ($millions) | 4.2022% | 3,419 |
| Cash dividends to net income (ytd only)* | 29.4964% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 4,086 |
| Loan loss allowance to noncurrent loans | 96.7184% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.5520% | 2,607 |
| Noncurrent loans to loans | 1.4052% | 3,058 |
| Net loans and leases to total assets | 50.5375% | 5,071 |
| Net loans and leases to deposits | 61.9854% | 4,767 |
| Net loans and leases to core deposits | 70.4023% | 4,279 |
| Total domestic deposits to total assets | 81.5312% | 5,072 |
| Equity capital to assets | 10.2900% | 3,520 |
| Core capital (leverage) ratio | 9.3675% | 4,583 |
| Tier 1 risk-based capital ratio | 15.8709% | 3,268 |
| Total risk-based capital ratio | 17.0807% | 3,234 |
| Memoranda: | ||
| Average total assets | $1,170,420,750 | 559 |
| Average earning assets | $1,056,259,000 | 560 |
| Average equity | $120,441,000 | 596 |
| Average total loans | $577,153,500 | 724 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 3,514 |
| Cost of funding earning assets | 0.5761% | 3,158 |
| Net interest margin | 3.5799% | 3,451 |
| Noninterest income to average assets | 1.1254% | 1,202 |
| Noninterest expense to average assets | 2.7644% | 3,803 |
| Loan and lease loss provision to assets | 0.0895% | 3,293 |
| Net operating income to assets | 1.1521% | 1,730 |
| Return on assets (ROA) | 1.1802% | 1,752 |
| Pretax return on assets | 1.5486% | 1,488 |
| Return on Equity (ROE) | 11.4684% | 1,650 |
| Retained earnings to average equity (ytd only) | 8.0705% | 1,456 |
| Net charge-offs to loans | 0.2222% | 2,408 |
| Credit loss provision to net charge-offs | 82.8076% | 2,571 |
| Earnings coverage of net charge-offs (x) | 14.7744% | 1,797 |
| Efficiency ratio | 63.2908% | 4,964 |
| Assets per employee ($millions) | 4.1233% | 3,528 |
| Cash dividends to net income (ytd only)* | 29.6286% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 4,353 |
| Loan loss allowance to noncurrent loans | 74.5322% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.6204% | 2,682 |
| Noncurrent loans to loans | 1.7875% | 2,652 |
| Net loans and leases to total assets | 50.1520% | 5,097 |
| Net loans and leases to deposits | 61.6462% | 4,786 |
| Net loans and leases to core deposits | 70.0591% | 4,273 |
| Total domestic deposits to total assets | 81.3546% | 5,244 |
| Equity capital to assets | 10.1522% | 3,726 |
| Core capital (leverage) ratio | 9.1223% | 4,800 |
| Tier 1 risk-based capital ratio | 15.8381% | 3,296 |
| Total risk-based capital ratio | 17.0342% | 3,276 |
| Memoranda: | ||
| Average total assets | $1,172,554,670 | 558 |
| Average earning assets | $1,060,149,000 | 561 |
| Average equity | $120,662,330 | 597 |
| Average total loans | $570,747,670 | 732 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1247% | 3,623 |
| Cost of funding earning assets | 0.5710% | 3,370 |
| Net interest margin | 3.5536% | 3,462 |
| Noninterest income to average assets | 1.1608% | 1,110 |
| Noninterest expense to average assets | 2.7255% | 3,962 |
| Loan and lease loss provision to assets | 0.0763% | 3,356 |
| Net operating income to assets | 1.1876% | 1,561 |
| Return on assets (ROA) | 1.2463% | 1,507 |
| Pretax return on assets | 1.6553% | 1,179 |
| Return on Equity (ROE) | 12.0314% | 1,418 |
| Retained earnings to average equity (ytd only) | 8.6757% | 1,502 |
| Net charge-offs to loans | 0.0862% | 2,974 |
| Credit loss provision to net charge-offs | 185.9504% | 1,160 |
| Earnings coverage of net charge-offs (x) | 40.1983% | 788 |
| Efficiency ratio | 62.2122% | 5,278 |
| Assets per employee ($millions) | 4.2947% | 3,350 |
| Cash dividends to net income (ytd only)* | 27.8912% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 4,159 |
| Loan loss allowance to noncurrent loans | 88.3081% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.4958% | 3,013 |
| Noncurrent loans to loans | 1.6033% | 3,138 |
| Net loans and leases to total assets | 47.5113% | 5,278 |
| Net loans and leases to deposits | 58.5702% | 4,962 |
| Net loans and leases to core deposits | 66.4212% | 4,479 |
| Total domestic deposits to total assets | 81.1185% | 5,466 |
| Equity capital to assets | 10.3933% | 3,677 |
| Core capital (leverage) ratio | 8.9846% | 4,911 |
| Tier 1 risk-based capital ratio | 15.8009% | 3,372 |
| Total risk-based capital ratio | 17.0521% | 3,332 |
| Memoranda: | ||
| Average total assets | $1,179,511,500 | 561 |
| Average earning assets | $1,066,847,000 | 564 |
| Average equity | $122,180,000 | 596 |
| Average total loans | $561,657,500 | 743 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 3,554 |
| Cost of funding earning assets | 0.7227% | 3,305 |
| Net interest margin | 3.7408% | 3,476 |
| Noninterest income to average assets | 1.0736% | 1,352 |
| Noninterest expense to average assets | 2.7941% | 4,041 |
| Loan and lease loss provision to assets | 0.0593% | 5,033 |
| Net operating income to assets | 1.2289% | 1,508 |
| Return on assets (ROA) | 1.2654% | 1,559 |
| Pretax return on assets | 1.6410% | 1,279 |
| Return on Equity (ROE) | 11.8591% | 1,546 |
| Retained earnings to average equity (ytd only) | 7.7360% | 1,219 |
| Net charge-offs to loans | 0.1355% | 4,327 |
| Credit loss provision to net charge-offs | 88.5559% | 3,533 |
| Earnings coverage of net charge-offs (x) | 24.6485% | 1,165 |
| Efficiency ratio | 62.8065% | 5,114 |
| Assets per employee ($millions) | 4.3468% | 3,261 |
| Cash dividends to net income (ytd only)* | 34.7673% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 3,992 |
| Loan loss allowance to noncurrent loans | 89.2416% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.5195% | 3,098 |
| Noncurrent loans to loans | 1.6086% | 3,212 |
| Net loans and leases to total assets | 46.3652% | 5,579 |
| Net loans and leases to deposits | 56.5768% | 5,381 |
| Net loans and leases to core deposits | 63.8921% | 4,969 |
| Total domestic deposits to total assets | 81.9509% | 5,120 |
| Equity capital to assets | 10.3236% | 3,727 |
| Core capital (leverage) ratio | 9.1031% | 4,736 |
| Tier 1 risk-based capital ratio | 15.7234% | 3,304 |
| Total risk-based capital ratio | 16.9768% | 3,259 |
| Memoranda: | ||
| Average total assets | $1,096,761,400 | 601 |
| Average earning assets | $988,083,400 | 596 |
| Average equity | $117,024,400 | 613 |
| Average total loans | $541,819,800 | 764 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 3,345 |
| Cost of funding earning assets | 0.7615% | 3,261 |
| Net interest margin | 3.8066% | 3,312 |
| Noninterest income to average assets | 1.0693% | 1,320 |
| Noninterest expense to average assets | 2.7815% | 4,050 |
| Loan and lease loss provision to assets | 0.0619% | 4,939 |
| Net operating income to assets | 1.2592% | 1,545 |
| Return on assets (ROA) | 1.3108% | 1,554 |
| Pretax return on assets | 1.7283% | 1,207 |
| Return on Equity (ROE) | 12.1769% | 1,575 |
| Retained earnings to average equity (ytd only) | 8.6388% | 1,361 |
| Net charge-offs to loans | 0.1485% | 3,919 |
| Credit loss provision to net charge-offs | 83.3333% | 3,513 |
| Earnings coverage of net charge-offs (x) | 23.1267% | 1,325 |
| Efficiency ratio | 61.7125% | 5,202 |
| Assets per employee ($millions) | 4.2035% | 3,463 |
| Cash dividends to net income (ytd only)* | 29.0561% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 4,080 |
| Loan loss allowance to noncurrent loans | 91.2634% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.6394% | 3,126 |
| Noncurrent loans to loans | 1.6078% | 3,374 |
| Net loans and leases to total assets | 48.5932% | 5,475 |
| Net loans and leases to deposits | 60.1903% | 5,186 |
| Net loans and leases to core deposits | 68.7811% | 4,639 |
| Total domestic deposits to total assets | 80.7326% | 5,439 |
| Equity capital to assets | 11.0382% | 3,223 |
| Core capital (leverage) ratio | 9.5643% | 4,172 |
| Tier 1 risk-based capital ratio | 16.5982% | 2,941 |
| Total risk-based capital ratio | 17.8481% | 2,914 |
| Memoranda: | ||
| Average total assets | $1,076,455,500 | 610 |
| Average earning assets | $970,223,750 | 611 |
| Average equity | $115,877,750 | 619 |
| Average total loans | $538,742,250 | 775 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 3,409 |
| Cost of funding earning assets | 0.8019% | 3,174 |
| Net interest margin | 3.7883% | 3,420 |
| Noninterest income to average assets | 1.1124% | 1,159 |
| Noninterest expense to average assets | 2.8024% | 4,015 |
| Loan and lease loss provision to assets | 0.0561% | 4,956 |
| Net operating income to assets | 1.2730% | 1,507 |
| Return on assets (ROA) | 1.3188% | 1,543 |
| Pretax return on assets | 1.7278% | 1,189 |
| Return on Equity (ROE) | 12.3589% | 1,553 |
| Retained earnings to average equity (ytd only) | 8.7667% | 1,352 |
| Net charge-offs to loans | 0.1535% | 3,687 |
| Credit loss provision to net charge-offs | 72.6392% | 3,501 |
| Earnings coverage of net charge-offs (x) | 22.2688% | 1,304 |
| Efficiency ratio | 61.8260% | 5,279 |
| Assets per employee ($millions) | 4.0388% | 3,793 |
| Cash dividends to net income (ytd only)* | 29.0656% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 4,254 |
| Loan loss allowance to noncurrent loans | 87.4255% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 2,975 |
| Noncurrent loans to loans | 1.6571% | 3,415 |
| Net loans and leases to total assets | 49.8147% | 5,377 |
| Net loans and leases to deposits | 61.5974% | 5,058 |
| Net loans and leases to core deposits | 70.9786% | 4,417 |
| Total domestic deposits to total assets | 80.8714% | 5,513 |
| Equity capital to assets | 10.8417% | 3,297 |
| Core capital (leverage) ratio | 9.4344% | 4,241 |
| Tier 1 risk-based capital ratio | 16.1079% | 3,120 |
| Total risk-based capital ratio | 17.3587% | 3,085 |
| Memoranda: | ||
| Average total assets | $1,069,571,670 | 619 |
| Average earning assets | $962,700,000 | 618 |
| Average equity | $114,136,670 | 624 |
| Average total loans | $537,970,330 | 776 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 3,441 |
| Cost of funding earning assets | 0.8339% | 3,195 |
| Net interest margin | 3.7810% | 3,480 |
| Noninterest income to average assets | 1.1076% | 1,154 |
| Noninterest expense to average assets | 2.8349% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2616% | 1,565 |
| Return on assets (ROA) | 1.3620% | 1,453 |
| Pretax return on assets | 1.8089% | 1,053 |
| Return on Equity (ROE) | 12.8676% | 1,442 |
| Retained earnings to average equity (ytd only) | 9.2242% | 1,507 |
| Net charge-offs to loans | -0.2970% | 7,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7422% | 5,145 |
| Assets per employee ($millions) | 4.0959% | 3,809 |
| Cash dividends to net income (ytd only)* | 28.3149% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,837 |
| Loan loss allowance to noncurrent loans | 84.1732% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.9678% | 2,952 |
| Noncurrent loans to loans | 1.8679% | 3,319 |
| Net loans and leases to total assets | 49.2068% | 5,403 |
| Net loans and leases to deposits | 60.2647% | 5,116 |
| Net loans and leases to core deposits | 69.1382% | 4,546 |
| Total domestic deposits to total assets | 81.6511% | 5,409 |
| Equity capital to assets | 10.6226% | 3,358 |
| Core capital (leverage) ratio | 9.3083% | 4,349 |
| Tier 1 risk-based capital ratio | 15.8452% | 3,251 |
| Total risk-based capital ratio | 17.0979% | 3,224 |
| Memoranda: | ||
| Average total assets | $1,063,162,500 | 629 |
| Average earning assets | $955,505,000 | 628 |
| Average equity | $112,530,500 | 635 |
| Average total loans | $533,398,000 | 780 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0425% | 2,693 |
| Cost of funding earning assets | 1.0127% | 3,282 |
| Net interest margin | 4.0297% | 2,732 |
| Noninterest income to average assets | 1.0606% | 1,194 |
| Noninterest expense to average assets | 2.9318% | 3,836 |
| Loan and lease loss provision to assets | 0.2397% | 3,809 |
| Net operating income to assets | 1.1493% | 1,671 |
| Return on assets (ROA) | 1.2050% | 1,607 |
| Pretax return on assets | 1.5592% | 1,314 |
| Return on Equity (ROE) | 11.6292% | 1,521 |
| Retained earnings to average equity (ytd only) | 6.9077% | 1,546 |
| Net charge-offs to loans | 0.4392% | 3,240 |
| Credit loss provision to net charge-offs | 100.4557% | 3,477 |
| Earnings coverage of net charge-offs (x) | 7.2204% | 2,372 |
| Efficiency ratio | 62.8068% | 5,329 |
| Assets per employee ($millions) | 4.0508% | 3,746 |
| Cash dividends to net income (ytd only)* | 40.6004% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 3,955 |
| Loan loss allowance to noncurrent loans | 101.5282% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.8366% | 3,201 |
| Noncurrent loans to loans | 1.4931% | 3,909 |
| Net loans and leases to total assets | 49.5890% | 5,648 |
| Net loans and leases to deposits | 61.0121% | 5,364 |
| Net loans and leases to core deposits | 70.1438% | 4,761 |
| Total domestic deposits to total assets | 81.2774% | 5,368 |
| Equity capital to assets | 10.5457% | 3,480 |
| Core capital (leverage) ratio | 9.1512% | 4,547 |
| Tier 1 risk-based capital ratio | 15.6576% | 3,232 |
| Total risk-based capital ratio | 16.9054% | 3,191 |
| Memoranda: | ||
| Average total assets | $1,011,745,400 | 652 |
| Average earning assets | $902,314,200 | 654 |
| Average equity | $104,839,800 | 657 |
| Average total loans | $549,646,600 | 769 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 2,426 |
| Cost of funding earning assets | 1.0493% | 3,323 |
| Net interest margin | 4.0908% | 2,511 |
| Noninterest income to average assets | 1.0590% | 1,198 |
| Noninterest expense to average assets | 2.9508% | 3,741 |
| Loan and lease loss provision to assets | 0.2563% | 3,457 |
| Net operating income to assets | 1.1605% | 1,778 |
| Return on assets (ROA) | 1.2408% | 1,643 |
| Pretax return on assets | 1.6035% | 1,377 |
| Return on Equity (ROE) | 12.0301% | 1,542 |
| Retained earnings to average equity (ytd only) | 8.1251% | 1,459 |
| Net charge-offs to loans | 0.4468% | 2,938 |
| Credit loss provision to net charge-offs | 103.6060% | 3,213 |
| Earnings coverage of net charge-offs (x) | 7.0872% | 2,423 |
| Efficiency ratio | 62.5502% | 5,323 |
| Assets per employee ($millions) | 4.0433% | 3,749 |
| Cash dividends to net income (ytd only)* | 32.4606% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 4,313 |
| Loan loss allowance to noncurrent loans | 89.1716% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 2.1329% | 2,997 |
| Noncurrent loans to loans | 1.6323% | 3,850 |
| Net loans and leases to total assets | 53.1540% | 5,294 |
| Net loans and leases to deposits | 66.3608% | 4,848 |
| Net loans and leases to core deposits | 77.4301% | 3,985 |
| Total domestic deposits to total assets | 80.0985% | 5,706 |
| Equity capital to assets | 10.7533% | 3,418 |
| Core capital (leverage) ratio | 9.2904% | 4,465 |
| Tier 1 risk-based capital ratio | 15.1708% | 3,566 |
| Total risk-based capital ratio | 16.4185% | 3,535 |
| Memoranda: | ||
| Average total assets | $1,001,379,500 | 665 |
| Average earning assets | $892,254,750 | 670 |
| Average equity | $103,282,750 | 669 |
| Average total loans | $554,479,500 | 768 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 2,388 |
| Cost of funding earning assets | 1.0838% | 3,361 |
| Net interest margin | 4.0836% | 2,477 |
| Noninterest income to average assets | 1.0227% | 1,264 |
| Noninterest expense to average assets | 2.9687% | 3,764 |
| Loan and lease loss provision to assets | 0.2471% | 3,435 |
| Net operating income to assets | 1.0852% | 1,914 |
| Return on assets (ROA) | 1.2149% | 1,612 |
| Pretax return on assets | 1.6156% | 1,235 |
| Return on Equity (ROE) | 11.9560% | 1,507 |
| Retained earnings to average equity (ytd only) | 7.8866% | 1,494 |
| Net charge-offs to loans | 0.3571% | 3,128 |
| Credit loss provision to net charge-offs | 123.8625% | 2,459 |
| Earnings coverage of net charge-offs (x) | 8.4479% | 2,054 |
| Efficiency ratio | 63.6052% | 5,319 |
| Assets per employee ($millions) | 3.8535% | 4,082 |
| Cash dividends to net income (ytd only)* | 34.0362% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 4,255 |
| Loan loss allowance to noncurrent loans | 107.3247% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 2.1042% | 3,098 |
| Noncurrent loans to loans | 1.3703% | 4,362 |
| Net loans and leases to total assets | 55.4724% | 5,072 |
| Net loans and leases to deposits | 68.1349% | 4,685 |
| Net loans and leases to core deposits | 81.0965% | 3,639 |
| Total domestic deposits to total assets | 81.4155% | 5,386 |
| Equity capital to assets | 10.5066% | 3,494 |
| Core capital (leverage) ratio | 9.1782% | 4,444 |
| Tier 1 risk-based capital ratio | 14.6204% | 3,713 |
| Total risk-based capital ratio | 15.8672% | 3,687 |
| Memoranda: | ||
| Average total assets | $991,488,670 | 676 |
| Average earning assets | $881,675,670 | 686 |
| Average equity | $100,753,000 | 685 |
| Average total loans | $553,926,000 | 777 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 2,544 |
| Cost of funding earning assets | 1.1081% | 3,474 |
| Net interest margin | 4.0141% | 2,627 |
| Noninterest income to average assets | 1.1115% | 1,062 |
| Noninterest expense to average assets | 2.9763% | 3,744 |
| Loan and lease loss provision to assets | 0.2327% | 3,324 |
| Net operating income to assets | 1.1196% | 1,767 |
| Return on assets (ROA) | 1.2479% | 1,443 |
| Pretax return on assets | 1.6389% | 1,106 |
| Return on Equity (ROE) | 12.4946% | 1,323 |
| Retained earnings to average equity (ytd only) | 9.1511% | 1,332 |
| Net charge-offs to loans | 0.2168% | 3,219 |
| Credit loss provision to net charge-offs | 192.9530% | 1,533 |
| Earnings coverage of net charge-offs (x) | 14.0805% | 1,389 |
| Efficiency ratio | 63.4860% | 5,443 |
| Assets per employee ($millions) | 3.8553% | 4,170 |
| Cash dividends to net income (ytd only)* | 26.7596% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 4,152 |
| Loan loss allowance to noncurrent loans | 121.3472% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 2.0166% | 3,300 |
| Noncurrent loans to loans | 1.2458% | 4,606 |
| Net loans and leases to total assets | 53.9803% | 5,305 |
| Net loans and leases to deposits | 65.6586% | 5,024 |
| Net loans and leases to core deposits | 78.0543% | 4,009 |
| Total domestic deposits to total assets | 82.2135% | 5,221 |
| Equity capital to assets | 10.0239% | 3,746 |
| Core capital (leverage) ratio | 9.1416% | 4,387 |
| Tier 1 risk-based capital ratio | 14.6098% | 3,670 |
| Total risk-based capital ratio | 15.8565% | 3,628 |
| Memoranda: | ||
| Average total assets | $988,203,000 | 680 |
| Average earning assets | $877,211,000 | 692 |
| Average equity | $98,698,500 | 688 |
| Average total loans | $549,933,000 | 793 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4358% | 2,519 |
| Cost of funding earning assets | 1.3830% | 3,373 |
| Net interest margin | 4.0529% | 2,793 |
| Noninterest income to average assets | 1.1376% | 1,139 |
| Noninterest expense to average assets | 2.9492% | 4,037 |
| Loan and lease loss provision to assets | 0.7256% | 2,263 |
| Net operating income to assets | 0.8452% | 2,612 |
| Return on assets (ROA) | 0.9483% | 2,334 |
| Pretax return on assets | 1.1727% | 2,324 |
| Return on Equity (ROE) | 9.3559% | 2,159 |
| Retained earnings to average equity (ytd only) | 5.2143% | 2,300 |
| Net charge-offs to loans | 1.3519% | 1,654 |
| Credit loss provision to net charge-offs | 90.2527% | 5,121 |
| Earnings coverage of net charge-offs (x) | 2.2013% | 4,077 |
| Efficiency ratio | 62.3116% | 5,677 |
| Assets per employee ($millions) | 3.7608% | 4,342 |
| Cash dividends to net income (ytd only)* | 44.2671% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 4,233 |
| Loan loss allowance to noncurrent loans | 130.8771% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 2.1672% | 3,136 |
| Noncurrent loans to loans | 1.1143% | 4,875 |
| Net loans and leases to total assets | 55.6911% | 5,390 |
| Net loans and leases to deposits | 68.4814% | 5,040 |
| Net loans and leases to core deposits | 82.6436% | 3,799 |
| Total domestic deposits to total assets | 81.3229% | 5,412 |
| Equity capital to assets | 9.9504% | 3,810 |
| Core capital (leverage) ratio | 8.8704% | 4,748 |
| Tier 1 risk-based capital ratio | 14.0125% | 3,863 |
| Total risk-based capital ratio | 15.2581% | 3,832 |
| Memoranda: | ||
| Average total assets | $964,764,600 | 693 |
| Average earning assets | $852,507,400 | 712 |
| Average equity | $97,788,600 | 688 |
| Average total loans | $573,710,800 | 780 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 2,435 |
| Cost of funding earning assets | 1.4394% | 3,338 |
| Net interest margin | 4.0591% | 2,818 |
| Noninterest income to average assets | 1.1241% | 1,109 |
| Noninterest expense to average assets | 2.9086% | 4,055 |
| Loan and lease loss provision to assets | 0.8312% | 1,826 |
| Net operating income to assets | 0.7731% | 3,120 |
| Return on assets (ROA) | 0.9192% | 2,679 |
| Pretax return on assets | 1.1527% | 2,664 |
| Return on Equity (ROE) | 9.0265% | 2,481 |
| Retained earnings to average equity (ytd only) | 6.3736% | 2,159 |
| Net charge-offs to loans | 1.5472% | 1,293 |
| Credit loss provision to net charge-offs | 89.2193% | 4,800 |
| Earnings coverage of net charge-offs (x) | 1.9326% | 4,257 |
| Efficiency ratio | 61.5803% | 5,686 |
| Assets per employee ($millions) | 3.7857% | 4,304 |
| Cash dividends to net income (ytd only)* | 29.3896% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 4,393 |
| Loan loss allowance to noncurrent loans | 133.9149% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 2.1604% | 3,255 |
| Noncurrent loans to loans | 1.0543% | 5,133 |
| Net loans and leases to total assets | 57.6186% | 5,314 |
| Net loans and leases to deposits | 73.1078% | 4,670 |
| Net loans and leases to core deposits | 89.4354% | 3,178 |
| Total domestic deposits to total assets | 78.8133% | 6,062 |
| Equity capital to assets | 10.4836% | 3,541 |
| Core capital (leverage) ratio | 9.0067% | 4,682 |
| Tier 1 risk-based capital ratio | 13.3814% | 4,290 |
| Total risk-based capital ratio | 14.6255% | 4,261 |
| Memoranda: | ||
| Average total assets | $962,446,250 | 690 |
| Average earning assets | $850,052,500 | 712 |
| Average equity | $98,005,500 | 682 |
| Average total loans | $579,518,500 | 779 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5361% | 2,380 |
| Cost of funding earning assets | 1.4520% | 3,544 |
| Net interest margin | 4.0841% | 2,632 |
| Noninterest income to average assets | 1.0619% | 1,189 |
| Noninterest expense to average assets | 2.7725% | 4,606 |
| Loan and lease loss provision to assets | 1.0546% | 1,370 |
| Net operating income to assets | 0.6887% | 3,455 |
| Return on assets (ROA) | 0.9055% | 2,649 |
| Pretax return on assets | 1.1331% | 2,659 |
| Return on Equity (ROE) | 8.9826% | 2,472 |
| Retained earnings to average equity (ytd only) | 6.2894% | 2,177 |
| Net charge-offs to loans | 1.9683% | 931 |
| Credit loss provision to net charge-offs | 88.1019% | 4,479 |
| Earnings coverage of net charge-offs (x) | 1.6012% | 4,294 |
| Efficiency ratio | 58.9383% | 6,234 |
| Assets per employee ($millions) | 3.6727% | 4,542 |
| Cash dividends to net income (ytd only)* | 29.9815% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 4,417 |
| Loan loss allowance to noncurrent loans | 177.5975% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.8628% | 3,673 |
| Noncurrent loans to loans | 0.7886% | 5,697 |
| Net loans and leases to total assets | 59.2749% | 5,202 |
| Net loans and leases to deposits | 75.3315% | 4,453 |
| Net loans and leases to core deposits | 92.0686% | 2,973 |
| Total domestic deposits to total assets | 78.6854% | 6,112 |
| Equity capital to assets | 10.2470% | 3,709 |
| Core capital (leverage) ratio | 8.6870% | 5,098 |
| Tier 1 risk-based capital ratio | 13.0111% | 4,430 |
| Total risk-based capital ratio | 14.2537% | 4,398 |
| Memoranda: | ||
| Average total assets | $957,693,330 | 695 |
| Average earning assets | $850,568,670 | 707 |
| Average equity | $96,542,670 | 680 |
| Average total loans | $582,417,000 | 781 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 2,160 |
| Cost of funding earning assets | 1.4801% | 3,693 |
| Net interest margin | 4.1177% | 2,363 |
| Noninterest income to average assets | 1.2183% | 822 |
| Noninterest expense to average assets | 2.9934% | 3,702 |
| Loan and lease loss provision to assets | 0.8373% | 1,512 |
| Net operating income to assets | 0.8409% | 2,785 |
| Return on assets (ROA) | 0.9453% | 2,442 |
| Pretax return on assets | 1.1727% | 2,466 |
| Return on Equity (ROE) | 9.4562% | 2,316 |
| Retained earnings to average equity (ytd only) | 6.7341% | 2,248 |
| Net charge-offs to loans | 1.2355% | 1,374 |
| Credit loss provision to net charge-offs | 110.8033% | 3,116 |
| Earnings coverage of net charge-offs (x) | 2.4892% | 3,294 |
| Efficiency ratio | 61.2299% | 5,958 |
| Assets per employee ($millions) | 3.7145% | 4,541 |
| Cash dividends to net income (ytd only)* | 28.7865% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 3,655 |
| Loan loss allowance to noncurrent loans | 111.8600% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 2.0088% | 3,491 |
| Noncurrent loans to loans | 1.3872% | 4,651 |
| Net loans and leases to total assets | 59.6741% | 5,177 |
| Net loans and leases to deposits | 76.0259% | 4,412 |
| Net loans and leases to core deposits | 91.5173% | 3,166 |
| Total domestic deposits to total assets | 78.4917% | 6,208 |
| Equity capital to assets | 10.1448% | 3,676 |
| Core capital (leverage) ratio | 8.5770% | 5,245 |
| Tier 1 risk-based capital ratio | 12.8442% | 4,441 |
| Total risk-based capital ratio | 14.0885% | 4,425 |
| Memoranda: | ||
| Average total assets | $955,421,500 | 708 |
| Average earning assets | $848,332,000 | 725 |
| Average equity | $95,514,000 | 693 |
| Average total loans | $584,392,000 | 795 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8777% | 2,333 |
| Cost of funding earning assets | 1.8621% | 3,664 |
| Net interest margin | 4.0155% | 2,806 |
| Noninterest income to average assets | 1.3257% | 852 |
| Noninterest expense to average assets | 3.0583% | 3,912 |
| Loan and lease loss provision to assets | 0.7556% | 2,846 |
| Net operating income to assets | 0.8786% | 2,249 |
| Return on assets (ROA) | 0.9253% | 2,157 |
| Pretax return on assets | 1.1528% | 2,086 |
| Return on Equity (ROE) | 9.5281% | 1,846 |
| Retained earnings to average equity (ytd only) | 4.9051% | 1,866 |
| Net charge-offs to loans | 0.9304% | 2,533 |
| Credit loss provision to net charge-offs | 126.6141% | 4,113 |
| Earnings coverage of net charge-offs (x) | 3.1003% | 3,514 |
| Efficiency ratio | 62.1228% | 6,131 |
| Assets per employee ($millions) | 3.6777% | 4,577 |
| Cash dividends to net income (ytd only)* | 48.5195% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 3,786 |
| Loan loss allowance to noncurrent loans | 96.8681% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 2.1036% | 3,268 |
| Noncurrent loans to loans | 1.5366% | 4,348 |
| Net loans and leases to total assets | 60.7976% | 5,219 |
| Net loans and leases to deposits | 77.2749% | 4,510 |
| Net loans and leases to core deposits | 103.3149% | 3,647 |
| Total domestic deposits to total assets | 78.6771% | 6,074 |
| Equity capital to assets | 9.8496% | 3,945 |
| Core capital (leverage) ratio | 8.2715% | 5,675 |
| Tier 1 risk-based capital ratio | 12.2401% | 4,732 |
| Total risk-based capital ratio | 13.4837% | 4,708 |
| Memoranda: | ||
| Average total assets | $934,416,800 | 720 |
| Average earning assets | $833,663,400 | 736 |
| Average equity | $90,741,800 | 715 |
| Average total loans | $599,290,800 | 788 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8918% | 2,488 |
| Cost of funding earning assets | 1.9528% | 3,609 |
| Net interest margin | 3.9390% | 3,086 |
| Noninterest income to average assets | 1.3420% | 852 |
| Noninterest expense to average assets | 3.0637% | 3,789 |
| Loan and lease loss provision to assets | 0.6961% | 2,644 |
| Net operating income to assets | 0.8567% | 2,589 |
| Return on assets (ROA) | 0.9675% | 2,228 |
| Pretax return on assets | 1.2458% | 2,120 |
| Return on Equity (ROE) | 9.9996% | 1,909 |
| Retained earnings to average equity (ytd only) | 6.3727% | 1,782 |
| Net charge-offs to loans | 0.8750% | 2,219 |
| Credit loss provision to net charge-offs | 122.8470% | 4,120 |
| Earnings coverage of net charge-offs (x) | 3.1763% | 3,653 |
| Efficiency ratio | 62.8076% | 5,965 |
| Assets per employee ($millions) | 3.7539% | 4,302 |
| Cash dividends to net income (ytd only)* | 36.2706% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,226 |
| Loan loss allowance to noncurrent loans | 79.7007% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.6425% | 3,898 |
| Noncurrent loans to loans | 1.6898% | 4,109 |
| Net loans and leases to total assets | 63.7661% | 4,913 |
| Net loans and leases to deposits | 81.5995% | 4,096 |
| Net loans and leases to core deposits | 110.3114% | 3,203 |
| Total domestic deposits to total assets | 78.1453% | 6,040 |
| Equity capital to assets | 10.0089% | 4,076 |
| Core capital (leverage) ratio | 8.4276% | 5,624 |
| Tier 1 risk-based capital ratio | 12.1682% | 4,823 |
| Total risk-based capital ratio | 13.4044% | 4,789 |
| Memoranda: | ||
| Average total assets | $928,967,500 | 737 |
| Average earning assets | $830,518,750 | 748 |
| Average equity | $89,881,500 | 728 |
| Average total loans | $601,578,750 | 798 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8946% | 2,608 |
| Cost of funding earning assets | 2.0548% | 3,501 |
| Net interest margin | 3.8397% | 3,372 |
| Noninterest income to average assets | 1.3492% | 837 |
| Noninterest expense to average assets | 3.0289% | 3,970 |
| Loan and lease loss provision to assets | 0.6922% | 2,353 |
| Net operating income to assets | 0.8100% | 2,816 |
| Return on assets (ROA) | 0.9187% | 2,477 |
| Pretax return on assets | 1.1971% | 2,307 |
| Return on Equity (ROE) | 9.6079% | 2,163 |
| Retained earnings to average equity (ytd only) | 5.5471% | 2,225 |
| Net charge-offs to loans | 0.5495% | 2,678 |
| Credit loss provision to net charge-offs | 194.4107% | 2,352 |
| Earnings coverage of net charge-offs (x) | 4.9095% | 2,963 |
| Efficiency ratio | 63.2160% | 6,053 |
| Assets per employee ($millions) | 3.5608% | 4,659 |
| Cash dividends to net income (ytd only)* | 42.2651% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 3,366 |
| Loan loss allowance to noncurrent loans | 74.2474% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.7729% | 3,517 |
| Noncurrent loans to loans | 1.9763% | 3,556 |
| Net loans and leases to total assets | 64.4671% | 4,880 |
| Net loans and leases to deposits | 82.4967% | 4,139 |
| Net loans and leases to core deposits | 107.6316% | 3,648 |
| Total domestic deposits to total assets | 78.1450% | 6,037 |
| Equity capital to assets | 9.6802% | 4,381 |
| Core capital (leverage) ratio | 8.3825% | 5,655 |
| Tier 1 risk-based capital ratio | 12.0053% | 4,909 |
| Total risk-based capital ratio | 13.2423% | 4,842 |
| Memoranda: | ||
| Average total assets | $924,548,000 | 758 |
| Average earning assets | $825,370,670 | 770 |
| Average equity | $88,406,670 | 748 |
| Average total loans | $599,097,330 | 821 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9202% | 2,696 |
| Cost of funding earning assets | 2.1844% | 3,246 |
| Net interest margin | 3.7358% | 3,733 |
| Noninterest income to average assets | 1.2864% | 863 |
| Noninterest expense to average assets | 2.8545% | 4,322 |
| Loan and lease loss provision to assets | 1.0371% | 1,266 |
| Net operating income to assets | 0.5679% | 4,149 |
| Return on assets (ROA) | 0.8119% | 3,236 |
| Pretax return on assets | 1.0353% | 3,225 |
| Return on Equity (ROE) | 8.5436% | 2,911 |
| Retained earnings to average equity (ytd only) | 3.3374% | 4,020 |
| Net charge-offs to loans | 0.8510% | 1,536 |
| Credit loss provision to net charge-offs | 188.9764% | 2,323 |
| Earnings coverage of net charge-offs (x) | 3.2063% | 3,247 |
| Efficiency ratio | 61.6689% | 6,113 |
| Assets per employee ($millions) | 3.4746% | 4,881 |
| Cash dividends to net income (ytd only)* | 60.9367% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 3,403 |
| Loan loss allowance to noncurrent loans | 81.3157% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.7229% | 3,333 |
| Noncurrent loans to loans | 1.7438% | 3,649 |
| Net loans and leases to total assets | 63.4116% | 5,089 |
| Net loans and leases to deposits | 81.2311% | 4,412 |
| Net loans and leases to core deposits | 106.8059% | 3,816 |
| Total domestic deposits to total assets | 78.0632% | 5,994 |
| Equity capital to assets | 9.6235% | 4,494 |
| Core capital (leverage) ratio | 8.1461% | 6,191 |
| Tier 1 risk-based capital ratio | 11.5978% | 5,307 |
| Total risk-based capital ratio | 12.8406% | 5,224 |
| Memoranda: | ||
| Average total assets | $925,700,500 | 760 |
| Average earning assets | $824,564,500 | 772 |
| Average equity | $87,972,500 | 751 |
| Average total loans | $596,947,500 | 830 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4756% | 3,089 |
| Cost of funding earning assets | 2.7284% | 3,027 |
| Net interest margin | 3.7472% | 4,239 |
| Noninterest income to average assets | 1.4319% | 701 |
| Noninterest expense to average assets | 3.0940% | 3,717 |
| Loan and lease loss provision to assets | 0.3138% | 3,863 |
| Net operating income to assets | 0.9817% | 2,627 |
| Return on assets (ROA) | 0.8731% | 2,975 |
| Pretax return on assets | 1.2052% | 2,615 |
| Return on Equity (ROE) | 9.3205% | 2,511 |
| Retained earnings to average equity (ytd only) | 3.1467% | 3,197 |
| Net charge-offs to loans | 0.3083% | 3,335 |
| Credit loss provision to net charge-offs | 151.5376% | 3,459 |
| Earnings coverage of net charge-offs (x) | 8.0647% | 2,944 |
| Efficiency ratio | 64.7516% | 5,383 |
| Assets per employee ($millions) | 3.3962% | 4,953 |
| Cash dividends to net income (ytd only)* | 66.2392% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 4,398 |
| Loan loss allowance to noncurrent loans | 165.1584% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 4,167 |
| Noncurrent loans to loans | 0.7374% | 5,187 |
| Net loans and leases to total assets | 63.8605% | 5,299 |
| Net loans and leases to deposits | 80.5615% | 4,951 |
| Net loans and leases to core deposits | 102.8218% | 4,520 |
| Total domestic deposits to total assets | 79.2692% | 5,277 |
| Equity capital to assets | 9.3836% | 4,840 |
| Core capital (leverage) ratio | 8.1021% | 6,322 |
| Tier 1 risk-based capital ratio | 11.5561% | 5,193 |
| Total risk-based capital ratio | 12.7060% | 5,179 |
| Memoranda: | ||
| Average total assets | $910,868,600 | 731 |
| Average earning assets | $809,903,400 | 754 |
| Average equity | $85,327,800 | 779 |
| Average total loans | $611,822,400 | 780 |