Home > First Federal Bank > Performance and Condition Ratios
First Federal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1109% | 1,834 |
| Cost of funding earning assets | 1.9970% | 919 |
| Net interest margin | 3.1139% | 3,067 |
| Noninterest income to average assets | 1.3600% | 440 |
| Noninterest expense to average assets | 3.0333% | 1,076 |
| Loan and lease loss provision to assets | -0.0900% | 4,508 |
| Net operating income to assets | 0.9014% | 2,543 |
| Return on assets (ROA) | 0.8063% | 2,831 |
| Pretax return on assets | 1.0247% | 2,599 |
| Return on Equity (ROE) | 11.2900% | 2,148 |
| Retained earnings to average equity (ytd only) | 10.3758% | 928 |
| Net charge-offs to loans | -0.0417% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.4872% | 1,507 |
| Assets per employee ($millions) | 6.2473% | 2,592 |
| Cash dividends to net income (ytd only)* | 8.0956% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 4,100 |
| Loan loss allowance to noncurrent loans | 26.1483% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 570 |
| Noncurrent loans to loans | 2.7341% | 166 |
| Net loans and leases to total assets | 32.0500% | 4,249 |
| Net loans and leases to deposits | 36.0298% | 4,273 |
| Net loans and leases to core deposits | 50.5241% | 4,073 |
| Total domestic deposits to total assets | 88.9400% | 1,084 |
| Equity capital to assets | 7.9773% | 3,436 |
| Core capital (leverage) ratio | 9.5458% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0241% | 790 |
| Memoranda: | ||
| Average total assets | $3,830,088,400 | 335 |
| Average earning assets | $3,350,010,600 | 333 |
| Average equity | $273,531,800 | 426 |
| Average total loans | $1,121,133,400 | 663 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 1,853 |
| Cost of funding earning assets | 1.9312% | 812 |
| Net interest margin | 3.0554% | 3,224 |
| Noninterest income to average assets | 1.5500% | 378 |
| Noninterest expense to average assets | 3.0295% | 1,031 |
| Loan and lease loss provision to assets | -0.1200% | 4,555 |
| Net operating income to assets | 1.0295% | 2,276 |
| Return on assets (ROA) | 0.9030% | 2,655 |
| Pretax return on assets | 1.1510% | 2,415 |
| Return on Equity (ROE) | 13.0300% | 1,890 |
| Retained earnings to average equity (ytd only) | 11.7714% | 1,015 |
| Net charge-offs to loans | -0.0725% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.1396% | 1,660 |
| Assets per employee ($millions) | 5.6980% | 3,021 |
| Cash dividends to net income (ytd only)* | 9.6566% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 3,990 |
| Loan loss allowance to noncurrent loans | 25.1973% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 556 |
| Noncurrent loans to loans | 3.1656% | 131 |
| Net loans and leases to total assets | 30.0600% | 4,312 |
| Net loans and leases to deposits | 34.0436% | 4,329 |
| Net loans and leases to core deposits | 45.8599% | 4,133 |
| Total domestic deposits to total assets | 88.3000% | 1,478 |
| Equity capital to assets | 7.3042% | 3,464 |
| Core capital (leverage) ratio | 9.0901% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7093% | 858 |
| Memoranda: | ||
| Average total assets | $3,822,410,000 | 338 |
| Average earning assets | $3,337,452,250 | 339 |
| Average equity | $264,917,500 | 432 |
| Average total loans | $1,089,884,000 | 682 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7738% | 2,055 |
| Cost of funding earning assets | 1.7763% | 773 |
| Net interest margin | 2.9975% | 3,435 |
| Noninterest income to average assets | 1.5500% | 310 |
| Noninterest expense to average assets | 3.0001% | 1,045 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9166% | 2,701 |
| Return on assets (ROA) | 0.9182% | 2,679 |
| Pretax return on assets | 1.1701% | 2,443 |
| Return on Equity (ROE) | 13.4700% | 1,797 |
| Retained earnings to average equity (ytd only) | 11.5638% | 1,068 |
| Net charge-offs to loans | -0.1203% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.0894% | 1,658 |
| Assets per employee ($millions) | 6.0113% | 2,701 |
| Cash dividends to net income (ytd only)* | 14.1427% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,605 |
| Loan loss allowance to noncurrent loans | 38.9604% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8562% | 585 |
| Noncurrent loans to loans | 2.9999% | 141 |
| Net loans and leases to total assets | 28.1800% | 4,356 |
| Net loans and leases to deposits | 31.3108% | 4,382 |
| Net loans and leases to core deposits | 43.8733% | 4,180 |
| Total domestic deposits to total assets | 89.9900% | 922 |
| Equity capital to assets | 7.0858% | 3,746 |
| Core capital (leverage) ratio | 8.6959% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6089% | 864 |
| Memoranda: | ||
| Average total assets | $3,850,501,000 | 323 |
| Average earning assets | $3,370,393,000 | 327 |
| Average equity | $262,491,000 | 426 |
| Average total loans | $1,075,612,333 | 672 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 2,177 |
| Cost of funding earning assets | 1.5712% | 735 |
| Net interest margin | 2.9841% | 3,640 |
| Noninterest income to average assets | 1.6000% | 306 |
| Noninterest expense to average assets | 3.0904% | 953 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.8665% | 2,972 |
| Return on assets (ROA) | 0.8697% | 2,912 |
| Pretax return on assets | 1.1073% | 2,682 |
| Return on Equity (ROE) | 13.0100% | 1,984 |
| Retained earnings to average equity (ytd only) | 9.1268% | 1,908 |
| Net charge-offs to loans | 0.0421% | 937 |
| Credit loss provision to net charge-offs | 178.5714% | 874 |
| Earnings coverage of net charge-offs (x) | 96.5714% | 800 |
| Efficiency ratio | 72.6291% | 1,481 |
| Assets per employee ($millions) | 6.1934% | 2,586 |
| Cash dividends to net income (ytd only)* | 29.8721% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 2,920 |
| Loan loss allowance to noncurrent loans | 32.9874% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.9313% | 462 |
| Noncurrent loans to loans | 3.4167% | 117 |
| Net loans and leases to total assets | 26.9500% | 4,426 |
| Net loans and leases to deposits | 29.7977% | 4,449 |
| Net loans and leases to core deposits | 41.2240% | 4,239 |
| Total domestic deposits to total assets | 90.4300% | 1,001 |
| Equity capital to assets | 6.7860% | 3,919 |
| Core capital (leverage) ratio | 8.7047% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0328% | 1,145 |
| Memoranda: | ||
| Average total assets | $3,849,133,000 | 332 |
| Average earning assets | $3,367,307,500 | 336 |
| Average equity | $257,219,500 | 444 |
| Average total loans | $1,064,162,500 | 692 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 2,803 |
| Cost of funding earning assets | 0.4844% | 1,499 |
| Net interest margin | 3.1155% | 3,129 |
| Noninterest income to average assets | 2.0100% | 240 |
| Noninterest expense to average assets | 3.1781% | 748 |
| Loan and lease loss provision to assets | -0.4000% | 4,686 |
| Net operating income to assets | 1.5894% | 709 |
| Return on assets (ROA) | 1.1805% | 1,787 |
| Pretax return on assets | 1.4800% | 1,514 |
| Return on Equity (ROE) | 14.6600% | 1,350 |
| Retained earnings to average equity (ytd only) | 13.8557% | 407 |
| Net charge-offs to loans | -0.0224% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.9794% | 2,229 |
| Assets per employee ($millions) | 5.3869% | 3,332 |
| Cash dividends to net income (ytd only)* | 5.4636% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 3,565 |
| Loan loss allowance to noncurrent loans | 25.9356% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0389% | 413 |
| Noncurrent loans to loans | 3.7027% | 102 |
| Net loans and leases to total assets | 27.7900% | 4,440 |
| Net loans and leases to deposits | 30.8767% | 4,456 |
| Net loans and leases to core deposits | 39.6425% | 4,286 |
| Total domestic deposits to total assets | 90.0000% | 1,363 |
| Equity capital to assets | 6.5745% | 3,871 |
| Core capital (leverage) ratio | 8.7846% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9833% | 980 |
| Memoranda: | ||
| Average total assets | $3,565,994,000 | 335 |
| Average earning assets | $3,162,123,200 | 344 |
| Average equity | $287,224,600 | 396 |
| Average total loans | $1,025,041,800 | 664 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3522% | 3,042 |
| Cost of funding earning assets | 0.3018% | 2,145 |
| Net interest margin | 3.0504% | 3,073 |
| Noninterest income to average assets | 1.8700% | 287 |
| Noninterest expense to average assets | 3.2910% | 603 |
| Loan and lease loss provision to assets | -0.5400% | 4,734 |
| Net operating income to assets | 1.4622% | 926 |
| Return on assets (ROA) | 1.0512% | 2,247 |
| Pretax return on assets | 1.3127% | 2,003 |
| Return on Equity (ROE) | 12.4400% | 1,896 |
| Retained earnings to average equity (ytd only) | 11.4075% | 943 |
| Net charge-offs to loans | -0.0166% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.1589% | 1,621 |
| Assets per employee ($millions) | 5.1542% | 3,546 |
| Cash dividends to net income (ytd only)* | 8.2964% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,299 |
| Loan loss allowance to noncurrent loans | 28.8694% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.9645% | 471 |
| Noncurrent loans to loans | 3.6046% | 114 |
| Net loans and leases to total assets | 26.4800% | 4,497 |
| Net loans and leases to deposits | 30.6262% | 4,491 |
| Net loans and leases to core deposits | 36.3911% | 4,392 |
| Total domestic deposits to total assets | 86.4600% | 2,938 |
| Equity capital to assets | 6.1309% | 3,912 |
| Core capital (leverage) ratio | 8.7059% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1247% | 970 |
| Memoranda: | ||
| Average total assets | $3,516,130,500 | 344 |
| Average earning assets | $3,125,378,250 | 346 |
| Average equity | $297,141,000 | 390 |
| Average total loans | $1,017,172,000 | 672 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0720% | 3,371 |
| Cost of funding earning assets | 0.1736% | 3,268 |
| Net interest margin | 2.8984% | 3,179 |
| Noninterest income to average assets | 2.0008% | 233 |
| Noninterest expense to average assets | 3.3352% | 522 |
| Loan and lease loss provision to assets | -0.8092% | 4,761 |
| Net operating income to assets | 1.6665% | 468 |
| Return on assets (ROA) | 1.0346% | 2,008 |
| Pretax return on assets | 1.2850% | 1,795 |
| Return on Equity (ROE) | 11.1707% | 1,930 |
| Retained earnings to average equity (ytd only) | 9.7408% | 1,087 |
| Net charge-offs to loans | -0.0264% | 3,998 |
| Credit loss provision to net charge-offs | 10,333.0882% | 55 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9293% | 1,736 |
| Assets per employee ($millions) | 4.7771% | 3,863 |
| Cash dividends to net income (ytd only)* | 12.7998% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,426 |
| Loan loss allowance to noncurrent loans | 28.5667% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 445 |
| Noncurrent loans to loans | 3.6376% | 107 |
| Net loans and leases to total assets | 28.0241% | 4,516 |
| Net loans and leases to deposits | 31.9560% | 4,504 |
| Net loans and leases to core deposits | 36.5014% | 4,418 |
| Total domestic deposits to total assets | 87.6959% | 2,698 |
| Equity capital to assets | 7.7482% | 3,306 |
| Core capital (leverage) ratio | 8.9002% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6281% | 904 |
| Memoranda: | ||
| Average total assets | $3,473,491,333 | 343 |
| Average earning assets | $3,104,403,667 | 347 |
| Average equity | $321,717,333 | 373 |
| Average total loans | $1,031,203,000 | 657 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7355% | 3,875 |
| Cost of funding earning assets | 0.1552% | 3,429 |
| Net interest margin | 2.5803% | 3,705 |
| Noninterest income to average assets | 1.9079% | 257 |
| Noninterest expense to average assets | 3.3506% | 495 |
| Loan and lease loss provision to assets | -0.0288% | 4,476 |
| Net operating income to assets | 0.7432% | 2,881 |
| Return on assets (ROA) | 0.7432% | 2,874 |
| Pretax return on assets | 0.9084% | 2,744 |
| Return on Equity (ROE) | 7.4122% | 2,903 |
| Retained earnings to average equity (ytd only) | 4.7617% | 2,678 |
| Net charge-offs to loans | -0.0266% | 4,035 |
| Credit loss provision to net charge-offs | 355.7143% | 619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4300% | 1,278 |
| Assets per employee ($millions) | 4.6176% | 4,065 |
| Cash dividends to net income (ytd only)* | 35.7587% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3811% | 329 |
| Loan loss allowance to noncurrent loans | 76.7692% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 601 |
| Noncurrent loans to loans | 3.1016% | 165 |
| Net loans and leases to total assets | 28.1446% | 4,503 |
| Net loans and leases to deposits | 31.6300% | 4,507 |
| Net loans and leases to core deposits | 34.7775% | 4,464 |
| Total domestic deposits to total assets | 88.9808% | 2,091 |
| Equity capital to assets | 8.8553% | 2,831 |
| Core capital (leverage) ratio | 9.6792% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2374% | 622 |
| Memoranda: | ||
| Average total assets | $3,461,825,000 | 346 |
| Average earning assets | $3,115,726,500 | 350 |
| Average equity | $347,105,500 | 362 |
| Average total loans | $1,051,682,500 | 627 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9376% | 3,984 |
| Cost of funding earning assets | 0.0278% | 4,764 |
| Net interest margin | 2.9097% | 3,420 |
| Noninterest income to average assets | 2.9760% | 184 |
| Noninterest expense to average assets | 3.8632% | 331 |
| Loan and lease loss provision to assets | -0.0632% | 4,417 |
| Net operating income to assets | 1.4616% | 1,101 |
| Return on assets (ROA) | 1.4775% | 1,121 |
| Pretax return on assets | 1.8041% | 908 |
| Return on Equity (ROE) | 12.8527% | 1,504 |
| Retained earnings to average equity (ytd only) | 12.2361% | 513 |
| Net charge-offs to loans | 0.0171% | 1,942 |
| Credit loss provision to net charge-offs | -872.7660% | 3,890 |
| Earnings coverage of net charge-offs (x) | 237.6894% | 484 |
| Efficiency ratio | 68.5451% | 1,915 |
| Assets per employee ($millions) | 4.4289% | 4,169 |
| Cash dividends to net income (ytd only)* | 4.7981% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2122% | 443 |
| Loan loss allowance to noncurrent loans | 79.5969% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 622 |
| Noncurrent loans to loans | 2.7793% | 227 |
| Net loans and leases to total assets | 31.2553% | 4,474 |
| Net loans and leases to deposits | 36.1613% | 4,474 |
| Net loans and leases to core deposits | 39.8029% | 4,396 |
| Total domestic deposits to total assets | 86.4332% | 2,745 |
| Equity capital to assets | 11.2243% | 1,648 |
| Core capital (leverage) ratio | 10.2585% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2154% | 731 |
| Memoranda: | ||
| Average total assets | $3,244,475,800 | 351 |
| Average earning assets | $2,908,884,800 | 358 |
| Average equity | $372,963,400 | 338 |
| Average total loans | $1,374,126,400 | 499 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0114% | 3,981 |
| Cost of funding earning assets | -0.0140% | 4,910 |
| Net interest margin | 3.0254% | 3,247 |
| Noninterest income to average assets | 3.2967% | 177 |
| Noninterest expense to average assets | 3.9651% | 289 |
| Loan and lease loss provision to assets | -0.0392% | 4,422 |
| Net operating income to assets | 1.6650% | 892 |
| Return on assets (ROA) | 1.6860% | 899 |
| Pretax return on assets | 2.1019% | 668 |
| Return on Equity (ROE) | 14.5747% | 1,236 |
| Retained earnings to average equity (ytd only) | 13.7463% | 537 |
| Net charge-offs to loans | 0.0174% | 1,712 |
| Credit loss provision to net charge-offs | -500.5319% | 3,653 |
| Earnings coverage of net charge-offs (x) | 259.9787% | 472 |
| Efficiency ratio | 65.4736% | 2,176 |
| Assets per employee ($millions) | 4.1207% | 4,377 |
| Cash dividends to net income (ytd only)* | 5.6845% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0953% | 538 |
| Loan loss allowance to noncurrent loans | 86.5041% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9266% | 729 |
| Noncurrent loans to loans | 2.4222% | 314 |
| Net loans and leases to total assets | 36.6369% | 4,355 |
| Net loans and leases to deposits | 42.6995% | 4,354 |
| Net loans and leases to core deposits | 47.2845% | 4,271 |
| Total domestic deposits to total assets | 85.8016% | 2,824 |
| Equity capital to assets | 11.8350% | 1,474 |
| Core capital (leverage) ratio | 10.3182% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5023% | 880 |
| Memoranda: | ||
| Average total assets | $3,199,711,500 | 357 |
| Average earning assets | $2,860,922,000 | 365 |
| Average equity | $370,137,750 | 339 |
| Average total loans | $1,444,097,000 | 486 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1385% | 3,787 |
| Cost of funding earning assets | -0.0939% | 4,949 |
| Net interest margin | 3.2324% | 2,656 |
| Noninterest income to average assets | 3.4010% | 159 |
| Noninterest expense to average assets | 4.0946% | 268 |
| Loan and lease loss provision to assets | -0.0597% | 4,545 |
| Net operating income to assets | 1.7893% | 735 |
| Return on assets (ROA) | 1.8205% | 718 |
| Pretax return on assets | 2.2981% | 480 |
| Return on Equity (ROE) | 15.8614% | 979 |
| Retained earnings to average equity (ytd only) | 14.6042% | 481 |
| Net charge-offs to loans | 0.0243% | 1,460 |
| Credit loss provision to net charge-offs | -514.0541% | 3,472 |
| Earnings coverage of net charge-offs (x) | 189.4865% | 510 |
| Efficiency ratio | 64.4907% | 2,363 |
| Assets per employee ($millions) | 3.9543% | 4,477 |
| Cash dividends to net income (ytd only)* | 7.9258% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 705 |
| Loan loss allowance to noncurrent loans | 73.6266% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 659 |
| Noncurrent loans to loans | 2.6062% | 308 |
| Net loans and leases to total assets | 40.8187% | 4,248 |
| Net loans and leases to deposits | 47.9116% | 4,225 |
| Net loans and leases to core deposits | 53.0557% | 4,080 |
| Total domestic deposits to total assets | 85.1960% | 3,017 |
| Equity capital to assets | 11.8154% | 1,454 |
| Core capital (leverage) ratio | 9.9347% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2468% | 925 |
| Memoranda: | ||
| Average total assets | $3,188,041,333 | 355 |
| Average earning assets | $2,852,999,667 | 362 |
| Average equity | $365,907,333 | 340 |
| Average total loans | $1,521,974,333 | 475 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4033% | 3,184 |
| Cost of funding earning assets | 0.2468% | 3,505 |
| Net interest margin | 3.1565% | 2,815 |
| Noninterest income to average assets | 4.2769% | 134 |
| Noninterest expense to average assets | 4.1063% | 261 |
| Loan and lease loss provision to assets | 0.0154% | 2,578 |
| Net operating income to assets | 2.3536% | 341 |
| Return on assets (ROA) | 2.3574% | 361 |
| Pretax return on assets | 2.9877% | 234 |
| Return on Equity (ROE) | 20.8441% | 479 |
| Retained earnings to average equity (ytd only) | 18.2975% | 351 |
| Net charge-offs to loans | 0.0345% | 1,134 |
| Credit loss provision to net charge-offs | 87.8571% | 1,180 |
| Earnings coverage of net charge-offs (x) | 171.0357% | 447 |
| Efficiency ratio | 57.2967% | 3,393 |
| Assets per employee ($millions) | 3.8861% | 4,542 |
| Cash dividends to net income (ytd only)* | 12.2171% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 1,010 |
| Loan loss allowance to noncurrent loans | 75.5313% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.0693% | 761 |
| Noncurrent loans to loans | 2.2728% | 436 |
| Net loans and leases to total assets | 45.5160% | 3,998 |
| Net loans and leases to deposits | 53.7904% | 3,953 |
| Net loans and leases to core deposits | 64.8111% | 3,335 |
| Total domestic deposits to total assets | 84.6173% | 3,249 |
| Equity capital to assets | 10.9796% | 1,876 |
| Core capital (leverage) ratio | 9.6849% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5437% | 1,158 |
| Memoranda: | ||
| Average total assets | $3,194,397,000 | 352 |
| Average earning assets | $2,861,812,000 | 358 |
| Average equity | $361,272,500 | 342 |
| Average total loans | $1,622,218,000 | 447 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 3,072 |
| Cost of funding earning assets | 0.4158% | 3,487 |
| Net interest margin | 3.4680% | 2,569 |
| Noninterest income to average assets | 5.7644% | 100 |
| Noninterest expense to average assets | 5.0044% | 192 |
| Loan and lease loss provision to assets | 0.7598% | 180 |
| Net operating income to assets | 2.3367% | 163 |
| Return on assets (ROA) | 2.4023% | 158 |
| Pretax return on assets | 3.1932% | 109 |
| Return on Equity (ROE) | 21.4705% | 175 |
| Retained earnings to average equity (ytd only) | 20.7190% | 62 |
| Net charge-offs to loans | 0.0137% | 2,852 |
| Credit loss provision to net charge-offs | 9,533.0275% | 112 |
| Earnings coverage of net charge-offs (x) | 485.5321% | 243 |
| Efficiency ratio | 55.9241% | 3,992 |
| Assets per employee ($millions) | 3.4795% | 4,662 |
| Cash dividends to net income (ytd only)* | 3.5004% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 1,407 |
| Loan loss allowance to noncurrent loans | 69.8810% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.2489% | 673 |
| Noncurrent loans to loans | 2.2274% | 483 |
| Net loans and leases to total assets | 54.7868% | 3,411 |
| Net loans and leases to deposits | 65.5843% | 3,311 |
| Net loans and leases to core deposits | 82.9040% | 2,126 |
| Total domestic deposits to total assets | 83.5365% | 3,253 |
| Equity capital to assets | 11.6689% | 1,755 |
| Core capital (leverage) ratio | 9.7884% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6930% | 1,346 |
| Memoranda: | ||
| Average total assets | $2,735,223,600 | 372 |
| Average earning assets | $2,452,630,800 | 372 |
| Average equity | $306,033,400 | 360 |
| Average total loans | $1,589,543,400 | 425 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 2,968 |
| Cost of funding earning assets | 0.4607% | 3,465 |
| Net interest margin | 3.5418% | 2,449 |
| Noninterest income to average assets | 5.8500% | 99 |
| Noninterest expense to average assets | 4.7592% | 211 |
| Loan and lease loss provision to assets | 1.0305% | 127 |
| Net operating income to assets | 2.4790% | 147 |
| Return on assets (ROA) | 2.5525% | 142 |
| Pretax return on assets | 3.3208% | 96 |
| Return on Equity (ROE) | 23.0987% | 151 |
| Retained earnings to average equity (ytd only) | 22.0532% | 63 |
| Net charge-offs to loans | 0.0065% | 2,898 |
| Credit loss provision to net charge-offs | 26,996.0526% | 43 |
| Earnings coverage of net charge-offs (x) | 1,115.5132% | 106 |
| Efficiency ratio | 52.3019% | 4,315 |
| Assets per employee ($millions) | 3.5554% | 4,636 |
| Cash dividends to net income (ytd only)* | 4.5261% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 1,624 |
| Loan loss allowance to noncurrent loans | 63.4352% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.4361% | 617 |
| Noncurrent loans to loans | 2.2496% | 507 |
| Net loans and leases to total assets | 59.5036% | 3,281 |
| Net loans and leases to deposits | 75.2039% | 2,827 |
| Net loans and leases to core deposits | 93.8109% | 1,660 |
| Total domestic deposits to total assets | 79.1231% | 4,043 |
| Equity capital to assets | 10.9724% | 2,415 |
| Core capital (leverage) ratio | 9.8700% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7696% | 1,310 |
| Memoranda: | ||
| Average total assets | $2,654,418,000 | 372 |
| Average earning assets | $2,373,961,250 | 374 |
| Average equity | $293,320,000 | 366 |
| Average total loans | $1,561,399,250 | 425 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 2,285 |
| Cost of funding earning assets | 0.5352% | 3,317 |
| Net interest margin | 3.8330% | 1,735 |
| Noninterest income to average assets | 4.8416% | 107 |
| Noninterest expense to average assets | 4.7181% | 223 |
| Loan and lease loss provision to assets | 1.1375% | 157 |
| Net operating income to assets | 1.8403% | 461 |
| Return on assets (ROA) | 1.9555% | 405 |
| Pretax return on assets | 2.5328% | 203 |
| Return on Equity (ROE) | 17.6462% | 405 |
| Retained earnings to average equity (ytd only) | 15.9982% | 173 |
| Net charge-offs to loans | 0.0102% | 2,578 |
| Credit loss provision to net charge-offs | 19,101.3333% | 63 |
| Earnings coverage of net charge-offs (x) | 591.8400% | 172 |
| Efficiency ratio | 56.6922% | 3,862 |
| Assets per employee ($millions) | 3.4108% | 4,703 |
| Cash dividends to net income (ytd only)* | 9.3390% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 2,918 |
| Loan loss allowance to noncurrent loans | 56.1257% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.3283% | 768 |
| Noncurrent loans to loans | 1.9986% | 678 |
| Net loans and leases to total assets | 60.9271% | 3,226 |
| Net loans and leases to deposits | 78.4865% | 2,602 |
| Net loans and leases to core deposits | 95.8635% | 1,589 |
| Total domestic deposits to total assets | 77.6275% | 4,239 |
| Equity capital to assets | 10.4749% | 2,763 |
| Core capital (leverage) ratio | 8.6270% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6732% | 1,580 |
| Memoranda: | ||
| Average total assets | $2,518,821,667 | 380 |
| Average earning assets | $2,234,932,333 | 387 |
| Average equity | $279,131,000 | 384 |
| Average total loans | $1,465,899,333 | 448 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 3,807 |
| Cost of funding earning assets | 0.5547% | 3,671 |
| Net interest margin | 3.4368% | 3,195 |
| Noninterest income to average assets | 3.2412% | 138 |
| Noninterest expense to average assets | 4.1459% | 430 |
| Loan and lease loss provision to assets | 0.3378% | 911 |
| Net operating income to assets | 1.2817% | 1,290 |
| Return on assets (ROA) | 1.2817% | 1,384 |
| Pretax return on assets | 1.7676% | 747 |
| Return on Equity (ROE) | 11.1806% | 1,363 |
| Retained earnings to average equity (ytd only) | 7.7191% | 1,314 |
| Net charge-offs to loans | 0.0142% | 2,096 |
| Credit loss provision to net charge-offs | 4,256.5217% | 193 |
| Earnings coverage of net charge-offs (x) | 265.2826% | 268 |
| Efficiency ratio | 65.5369% | 3,025 |
| Assets per employee ($millions) | 3.0474% | 4,773 |
| Cash dividends to net income (ytd only)* | 30.9598% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5779% | 4,792 |
| Loan loss allowance to noncurrent loans | 21.0809% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.6221% | 627 |
| Noncurrent loans to loans | 2.7412% | 422 |
| Net loans and leases to total assets | 54.8485% | 3,923 |
| Net loans and leases to deposits | 71.7680% | 3,450 |
| Net loans and leases to core deposits | 84.6271% | 2,792 |
| Total domestic deposits to total assets | 76.4247% | 4,429 |
| Equity capital to assets | 10.8433% | 2,995 |
| Core capital (leverage) ratio | 10.7069% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9211% | 1,622 |
| Memoranda: | ||
| Average total assets | $2,318,412,000 | 397 |
| Average earning assets | $2,030,630,500 | 405 |
| Average equity | $265,781,500 | 396 |
| Average total loans | $1,299,332,500 | 479 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8450% | 1,908 |
| Cost of funding earning assets | 0.7237% | 3,045 |
| Net interest margin | 4.1213% | 1,484 |
| Noninterest income to average assets | 2.4165% | 211 |
| Noninterest expense to average assets | 4.4586% | 320 |
| Loan and lease loss provision to assets | 0.0340% | 3,331 |
| Net operating income to assets | 1.1608% | 2,214 |
| Return on assets (ROA) | 1.3364% | 1,633 |
| Pretax return on assets | 1.7258% | 1,121 |
| Return on Equity (ROE) | 11.0402% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.1053% | 468 |
| Net charge-offs to loans | 0.0188% | 3,052 |
| Credit loss provision to net charge-offs | 316.5138% | 876 |
| Earnings coverage of net charge-offs (x) | 143.3211% | 512 |
| Efficiency ratio | 73.3679% | 1,676 |
| Assets per employee ($millions) | 2.6653% | 4,954 |
| Cash dividends to net income (ytd only)* | 8.4686% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4774% | 4,913 |
| Loan loss allowance to noncurrent loans | 14.7249% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.9173% | 428 |
| Noncurrent loans to loans | 3.2421% | 268 |
| Net loans and leases to total assets | 56.7620% | 3,869 |
| Net loans and leases to deposits | 68.5396% | 3,773 |
| Net loans and leases to core deposits | 75.2206% | 3,632 |
| Total domestic deposits to total assets | 82.8163% | 3,263 |
| Equity capital to assets | 12.1649% | 2,036 |
| Core capital (leverage) ratio | 10.2361% | 3,262 |
| Tier 1 risk-based capital ratio | 16.8501% | 2,103 |
| Total risk-based capital ratio | 17.4801% | 2,267 |
| Memoranda: | ||
| Average total assets | $2,032,235,600 | 420 |
| Average earning assets | $1,765,092,600 | 436 |
| Average equity | $246,000,400 | 397 |
| Average total loans | $1,159,838,600 | 507 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9102% | 1,786 |
| Cost of funding earning assets | 0.7447% | 2,990 |
| Net interest margin | 4.1655% | 1,461 |
| Noninterest income to average assets | 2.3559% | 214 |
| Noninterest expense to average assets | 4.4415% | 316 |
| Loan and lease loss provision to assets | 0.0422% | 3,056 |
| Net operating income to assets | 1.1426% | 2,400 |
| Return on assets (ROA) | 1.3811% | 1,598 |
| Pretax return on assets | 1.8012% | 1,088 |
| Return on Equity (ROE) | 11.4245% | 1,827 |
| Retained earnings to average equity (ytd only) | 10.1535% | 716 |
| Net charge-offs to loans | 0.0260% | 2,575 |
| Credit loss provision to net charge-offs | 284.2342% | 990 |
| Earnings coverage of net charge-offs (x) | 103.9513% | 731 |
| Efficiency ratio | 73.2035% | 1,672 |
| Assets per employee ($millions) | 2.7088% | 5,006 |
| Cash dividends to net income (ytd only)* | 11.1251% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4655% | 5,011 |
| Loan loss allowance to noncurrent loans | 16.5673% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.6501% | 625 |
| Noncurrent loans to loans | 2.8098% | 376 |
| Net loans and leases to total assets | 56.8847% | 3,978 |
| Net loans and leases to deposits | 76.4676% | 3,254 |
| Net loans and leases to core deposits | 81.8612% | 3,260 |
| Total domestic deposits to total assets | 74.3905% | 4,792 |
| Equity capital to assets | 11.8449% | 2,381 |
| Core capital (leverage) ratio | 10.4027% | 3,195 |
| Tier 1 risk-based capital ratio | 16.9301% | 2,104 |
| Total risk-based capital ratio | 17.5800% | 2,257 |
| Memoranda: | ||
| Average total assets | $1,995,902,000 | 431 |
| Average earning assets | $1,737,934,000 | 444 |
| Average equity | $241,275,750 | 405 |
| Average total loans | $1,139,308,000 | 515 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 1,646 |
| Cost of funding earning assets | 0.7305% | 2,995 |
| Net interest margin | 4.2064% | 1,347 |
| Noninterest income to average assets | 2.2030% | 229 |
| Noninterest expense to average assets | 4.5398% | 294 |
| Loan and lease loss provision to assets | 0.0347% | 3,132 |
| Net operating income to assets | 1.0152% | 2,862 |
| Return on assets (ROA) | 1.3448% | 1,664 |
| Pretax return on assets | 1.7248% | 1,228 |
| Return on Equity (ROE) | 11.0397% | 1,957 |
| Retained earnings to average equity (ytd only) | 9.0793% | 1,014 |
| Net charge-offs to loans | 0.0322% | 2,211 |
| Credit loss provision to net charge-offs | 188.7006% | 1,268 |
| Earnings coverage of net charge-offs (x) | 73.0395% | 870 |
| Efficiency ratio | 76.0693% | 1,390 |
| Assets per employee ($millions) | 2.6291% | 5,080 |
| Cash dividends to net income (ytd only)* | 17.7579% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4752% | 5,046 |
| Loan loss allowance to noncurrent loans | 15.8695% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.8149% | 555 |
| Noncurrent loans to loans | 2.9947% | 339 |
| Net loans and leases to total assets | 57.1096% | 4,001 |
| Net loans and leases to deposits | 73.4035% | 3,562 |
| Net loans and leases to core deposits | 78.6764% | 3,527 |
| Total domestic deposits to total assets | 77.8023% | 4,436 |
| Equity capital to assets | 12.2293% | 2,036 |
| Core capital (leverage) ratio | 10.5588% | 3,024 |
| Tier 1 risk-based capital ratio | 16.6343% | 2,195 |
| Total risk-based capital ratio | 17.2836% | 2,341 |
| Memoranda: | ||
| Average total assets | $1,926,225,330 | 442 |
| Average earning assets | $1,684,762,330 | 459 |
| Average equity | $234,644,000 | 413 |
| Average total loans | $1,099,032,330 | 525 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 946 |
| Cost of funding earning assets | 0.7144% | 2,978 |
| Net interest margin | 4.4644% | 795 |
| Noninterest income to average assets | 1.6978% | 313 |
| Noninterest expense to average assets | 4.5621% | 275 |
| Loan and lease loss provision to assets | 0.0019% | 3,392 |
| Net operating income to assets | 0.8471% | 3,463 |
| Return on assets (ROA) | 1.0153% | 2,832 |
| Pretax return on assets | 1.2869% | 2,506 |
| Return on Equity (ROE) | 8.3525% | 3,093 |
| Retained earnings to average equity (ytd only) | 4.2833% | 3,209 |
| Net charge-offs to loans | 0.0287% | 1,885 |
| Credit loss provision to net charge-offs | 11.8421% | 2,174 |
| Earnings coverage of net charge-offs (x) | 65.8289% | 873 |
| Efficiency ratio | 79.7193% | 1,086 |
| Assets per employee ($millions) | 2.4689% | 5,192 |
| Cash dividends to net income (ytd only)* | 48.7185% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5086% | 5,072 |
| Loan loss allowance to noncurrent loans | 14.9051% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 2.0010% | 490 |
| Noncurrent loans to loans | 3.4122% | 270 |
| Net loans and leases to total assets | 55.2485% | 4,119 |
| Net loans and leases to deposits | 64.7387% | 4,140 |
| Net loans and leases to core deposits | 73.1492% | 3,856 |
| Total domestic deposits to total assets | 85.3408% | 2,549 |
| Equity capital to assets | 12.6493% | 1,654 |
| Core capital (leverage) ratio | 10.6883% | 2,860 |
| Tier 1 risk-based capital ratio | 18.2189% | 1,735 |
| Total risk-based capital ratio | 18.9645% | 1,836 |
| Memoranda: | ||
| Average total assets | $1,860,033,500 | 459 |
| Average earning assets | $1,641,596,000 | 471 |
| Average equity | $226,089,000 | 428 |
| Average total loans | $1,057,909,500 | 547 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 1,016 |
| Cost of funding earning assets | 0.6699% | 2,265 |
| Net interest margin | 4.3461% | 1,049 |
| Noninterest income to average assets | 2.4802% | 200 |
| Noninterest expense to average assets | 4.5590% | 283 |
| Loan and lease loss provision to assets | 0.0372% | 3,455 |
| Net operating income to assets | 1.3464% | 1,628 |
| Return on assets (ROA) | 1.4654% | 1,210 |
| Pretax return on assets | 1.7907% | 947 |
| Return on Equity (ROE) | 13.2154% | 1,262 |
| Retained earnings to average equity (ytd only) | -36.5083% | 5,390 |
| Net charge-offs to loans | 0.0651% | 2,192 |
| Credit loss provision to net charge-offs | 103.6975% | 2,447 |
| Earnings coverage of net charge-offs (x) | 46.8807% | 1,180 |
| Efficiency ratio | 72.3335% | 1,860 |
| Assets per employee ($millions) | 2.2990% | 5,266 |
| Cash dividends to net income (ytd only)* | 376.2556% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5167% | 5,100 |
| Loan loss allowance to noncurrent loans | 16.7526% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.9474% | 500 |
| Noncurrent loans to loans | 3.0845% | 321 |
| Net loans and leases to total assets | 57.9913% | 3,963 |
| Net loans and leases to deposits | 67.1785% | 4,033 |
| Net loans and leases to core deposits | 77.0760% | 3,639 |
| Total domestic deposits to total assets | 86.3242% | 2,077 |
| Equity capital to assets | 11.6345% | 2,154 |
| Core capital (leverage) ratio | 10.5935% | 2,937 |
| Tier 1 risk-based capital ratio | 17.5282% | 1,894 |
| Total risk-based capital ratio | 18.2723% | 2,003 |
| Memoranda: | ||
| Average total assets | $1,657,671,000 | 493 |
| Average earning assets | $1,434,745,200 | 518 |
| Average equity | $183,815,600 | 481 |
| Average total loans | $914,410,400 | 604 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8036% | 1,416 |
| Cost of funding earning assets | 0.6515% | 2,145 |
| Net interest margin | 4.1521% | 1,492 |
| Noninterest income to average assets | 2.5370% | 203 |
| Noninterest expense to average assets | 4.3068% | 353 |
| Loan and lease loss provision to assets | 0.0412% | 3,176 |
| Net operating income to assets | 1.4468% | 1,338 |
| Return on assets (ROA) | 1.6043% | 956 |
| Pretax return on assets | 1.9468% | 731 |
| Return on Equity (ROE) | 14.6698% | 943 |
| Retained earnings to average equity (ytd only) | -54.1501% | 5,469 |
| Net charge-offs to loans | 0.0943% | 1,549 |
| Credit loss provision to net charge-offs | 80.3859% | 2,523 |
| Earnings coverage of net charge-offs (x) | 35.0628% | 1,462 |
| Efficiency ratio | 70.0085% | 2,186 |
| Assets per employee ($millions) | 2.1952% | 5,348 |
| Cash dividends to net income (ytd only)* | 469.1270% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4879% | 5,202 |
| Loan loss allowance to noncurrent loans | 14.8765% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.1386% | 480 |
| Noncurrent loans to loans | 3.2795% | 311 |
| Net loans and leases to total assets | 60.4236% | 3,802 |
| Net loans and leases to deposits | 71.5575% | 3,800 |
| Net loans and leases to core deposits | 81.3585% | 3,376 |
| Total domestic deposits to total assets | 84.4406% | 2,797 |
| Equity capital to assets | 9.7587% | 3,863 |
| Core capital (leverage) ratio | 8.0972% | 5,294 |
| Tier 1 risk-based capital ratio | 14.2667% | 3,236 |
| Total risk-based capital ratio | 15.0040% | 3,407 |
| Memoranda: | ||
| Average total assets | $1,619,183,250 | 501 |
| Average earning assets | $1,390,458,000 | 530 |
| Average equity | $177,076,250 | 492 |
| Average total loans | $879,002,750 | 629 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 1,633 |
| Cost of funding earning assets | 0.6144% | 2,139 |
| Net interest margin | 4.0394% | 1,728 |
| Noninterest income to average assets | 2.4281% | 216 |
| Noninterest expense to average assets | 4.1645% | 431 |
| Loan and lease loss provision to assets | 0.0512% | 2,891 |
| Net operating income to assets | 1.3642% | 1,555 |
| Return on assets (ROA) | 1.5730% | 983 |
| Pretax return on assets | 1.9397% | 703 |
| Return on Equity (ROE) | 13.8140% | 1,125 |
| Retained earnings to average equity (ytd only) | -89.0203% | 5,541 |
| Net charge-offs to loans | 0.0737% | 1,595 |
| Credit loss provision to net charge-offs | 134.2282% | 1,689 |
| Earnings coverage of net charge-offs (x) | 45.3960% | 1,205 |
| Efficiency ratio | 70.4001% | 2,249 |
| Assets per employee ($millions) | 2.3308% | 5,379 |
| Cash dividends to net income (ytd only)* | 744.4209% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5045% | 5,255 |
| Loan loss allowance to noncurrent loans | 14.2219% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 451 |
| Noncurrent loans to loans | 3.5471% | 272 |
| Net loans and leases to total assets | 57.4902% | 4,039 |
| Net loans and leases to deposits | 70.1664% | 3,838 |
| Net loans and leases to core deposits | 79.6302% | 3,451 |
| Total domestic deposits to total assets | 81.9341% | 3,741 |
| Equity capital to assets | 8.9591% | 4,591 |
| Core capital (leverage) ratio | 7.6761% | 5,419 |
| Tier 1 risk-based capital ratio | 14.1290% | 3,298 |
| Total risk-based capital ratio | 14.7360% | 3,537 |
| Memoranda: | ||
| Average total assets | $1,561,085,670 | 522 |
| Average earning assets | $1,340,882,000 | 546 |
| Average equity | $177,761,670 | 489 |
| Average total loans | $809,005,330 | 685 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 3,355 |
| Cost of funding earning assets | 0.4565% | 3,154 |
| Net interest margin | 3.6079% | 3,143 |
| Noninterest income to average assets | 1.9292% | 283 |
| Noninterest expense to average assets | 3.6544% | 816 |
| Loan and lease loss provision to assets | 0.0575% | 2,622 |
| Net operating income to assets | 1.0895% | 2,475 |
| Return on assets (ROA) | 1.5551% | 953 |
| Pretax return on assets | 1.9287% | 676 |
| Return on Equity (ROE) | 11.9218% | 1,605 |
| Retained earnings to average equity (ytd only) | 11.9218% | 694 |
| Net charge-offs to loans | 0.0927% | 1,243 |
| Credit loss provision to net charge-offs | 129.8701% | 1,336 |
| Earnings coverage of net charge-offs (x) | 31.8896% | 1,204 |
| Efficiency ratio | 72.1393% | 2,171 |
| Assets per employee ($millions) | 3.7514% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 4,620 |
| Loan loss allowance to noncurrent loans | 14.1030% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.7793% | 310 |
| Noncurrent loans to loans | 6.0685% | 98 |
| Net loans and leases to total assets | 45.1346% | 4,841 |
| Net loans and leases to deposits | 52.6772% | 4,854 |
| Net loans and leases to core deposits | 66.3510% | 4,285 |
| Total domestic deposits to total assets | 85.6814% | 2,680 |
| Equity capital to assets | 12.9108% | 1,290 |
| Core capital (leverage) ratio | 12.1802% | 1,542 |
| Tier 1 risk-based capital ratio | 21.9515% | 1,056 |
| Total risk-based capital ratio | 22.7607% | 1,099 |
| Memoranda: | ||
| Average total assets | $1,391,837,500 | 576 |
| Average earning assets | $1,210,010,000 | 596 |
| Average equity | $181,549,500 | 485 |
| Average total loans | $664,702,500 | 827 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 2,966 |
| Cost of funding earning assets | 0.3924% | 3,312 |
| Net interest margin | 3.7347% | 2,663 |
| Noninterest income to average assets | 2.0032% | 298 |
| Noninterest expense to average assets | 3.9506% | 573 |
| Loan and lease loss provision to assets | 0.1048% | 2,138 |
| Net operating income to assets | 1.1877% | 1,555 |
| Return on assets (ROA) | 1.2413% | 1,403 |
| Pretax return on assets | 1.2296% | 2,641 |
| Return on Equity (ROE) | 10.0107% | 1,881 |
| Retained earnings to average equity (ytd only) | 10.0107% | 345 |
| Net charge-offs to loans | 0.1264% | 1,783 |
| Credit loss provision to net charge-offs | 179.0582% | 1,513 |
| Earnings coverage of net charge-offs (x) | 21.8848% | 1,874 |
| Efficiency ratio | 75.2007% | 1,732 |
| Assets per employee ($millions) | 3.6379% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 4,857 |
| Loan loss allowance to noncurrent loans | 14.8145% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.6836% | 322 |
| Noncurrent loans to loans | 5.3248% | 119 |
| Net loans and leases to total assets | 49.7084% | 4,667 |
| Net loans and leases to deposits | 60.4771% | 4,538 |
| Net loans and leases to core deposits | 75.5464% | 3,772 |
| Total domestic deposits to total assets | 82.1937% | 3,819 |
| Equity capital to assets | 13.1969% | 1,165 |
| Core capital (leverage) ratio | 11.4002% | 2,010 |
| Tier 1 risk-based capital ratio | 20.2890% | 1,266 |
| Total risk-based capital ratio | 21.0565% | 1,326 |
| Memoranda: | ||
| Average total assets | $1,378,862,600 | 558 |
| Average earning assets | $1,191,885,400 | 590 |
| Average equity | $170,976,800 | 491 |
| Average total loans | $638,645,000 | 819 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,214 |
| Cost of funding earning assets | 0.3626% | 3,527 |
| Net interest margin | 3.6770% | 2,834 |
| Noninterest income to average assets | 2.0294% | 298 |
| Noninterest expense to average assets | 3.7260% | 745 |
| Loan and lease loss provision to assets | 0.0836% | 2,423 |
| Net operating income to assets | 1.0196% | 2,474 |
| Return on assets (ROA) | 1.0235% | 2,494 |
| Pretax return on assets | 1.3918% | 2,140 |
| Return on Equity (ROE) | 8.3885% | 2,934 |
| Retained earnings to average equity (ytd only) | 8.3885% | 1,060 |
| Net charge-offs to loans | 0.1429% | 1,393 |
| Credit loss provision to net charge-offs | 128.9121% | 1,906 |
| Earnings coverage of net charge-offs (x) | 22.6737% | 1,848 |
| Efficiency ratio | 71.3685% | 2,308 |
| Assets per employee ($millions) | 3.9881% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 5,024 |
| Loan loss allowance to noncurrent loans | 15.7509% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 2.1640% | 572 |
| Noncurrent loans to loans | 4.7523% | 179 |
| Net loans and leases to total assets | 44.9700% | 4,987 |
| Net loans and leases to deposits | 56.5884% | 4,836 |
| Net loans and leases to core deposits | 67.6689% | 4,373 |
| Total domestic deposits to total assets | 79.4687% | 4,443 |
| Equity capital to assets | 11.9667% | 1,986 |
| Core capital (leverage) ratio | 10.8731% | 2,578 |
| Tier 1 risk-based capital ratio | 19.7985% | 1,412 |
| Total risk-based capital ratio | 20.5016% | 1,486 |
| Memoranda: | ||
| Average total assets | $1,379,799,250 | 554 |
| Average earning assets | $1,188,301,250 | 591 |
| Average equity | $168,352,750 | 502 |
| Average total loans | $626,060,500 | 842 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 3,546 |
| Cost of funding earning assets | 0.3028% | 4,052 |
| Net interest margin | 3.5971% | 3,053 |
| Noninterest income to average assets | 2.1791% | 284 |
| Noninterest expense to average assets | 3.7212% | 754 |
| Loan and lease loss provision to assets | 0.0852% | 2,282 |
| Net operating income to assets | 1.0435% | 2,238 |
| Return on assets (ROA) | 1.0492% | 2,252 |
| Pretax return on assets | 1.4659% | 1,776 |
| Return on Equity (ROE) | 8.5396% | 2,754 |
| Retained earnings to average equity (ytd only) | 8.5396% | 987 |
| Net charge-offs to loans | 0.0862% | 1,748 |
| Credit loss provision to net charge-offs | 217.8030% | 1,190 |
| Earnings coverage of net charge-offs (x) | 39.4318% | 1,262 |
| Efficiency ratio | 70.3461% | 2,613 |
| Assets per employee ($millions) | 4.0970% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 5,012 |
| Loan loss allowance to noncurrent loans | 17.4293% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 1.9386% | 669 |
| Noncurrent loans to loans | 4.4301% | 189 |
| Net loans and leases to total assets | 42.9554% | 5,101 |
| Net loans and leases to deposits | 55.0385% | 4,904 |
| Net loans and leases to core deposits | 65.7168% | 4,488 |
| Total domestic deposits to total assets | 78.0462% | 4,809 |
| Equity capital to assets | 11.2468% | 2,549 |
| Core capital (leverage) ratio | 11.5355% | 1,947 |
| Tier 1 risk-based capital ratio | 19.3217% | 1,514 |
| Total risk-based capital ratio | 20.0335% | 1,600 |
| Memoranda: | ||
| Average total assets | $1,349,197,670 | 576 |
| Average earning assets | $1,157,198,670 | 605 |
| Average equity | $165,769,330 | 510 |
| Average total loans | $612,490,000 | 865 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 3,930 |
| Cost of funding earning assets | 0.2600% | 4,454 |
| Net interest margin | 3.4919% | 3,300 |
| Noninterest income to average assets | 2.4457% | 240 |
| Noninterest expense to average assets | 3.9705% | 560 |
| Loan and lease loss provision to assets | 0.0318% | 3,148 |
| Net operating income to assets | 0.9542% | 2,506 |
| Return on assets (ROA) | 0.9542% | 2,565 |
| Pretax return on assets | 1.4197% | 1,820 |
| Return on Equity (ROE) | 7.3870% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.3870% | 1,700 |
| Net charge-offs to loans | 0.0531% | 1,810 |
| Credit loss provision to net charge-offs | 128.2051% | 1,329 |
| Earnings coverage of net charge-offs (x) | 58.6026% | 815 |
| Efficiency ratio | 72.8726% | 2,427 |
| Assets per employee ($millions) | 3.6036% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 5,048 |
| Loan loss allowance to noncurrent loans | 15.0307% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 2.4839% | 464 |
| Noncurrent loans to loans | 5.3556% | 143 |
| Net loans and leases to total assets | 45.2707% | 4,972 |
| Net loans and leases to deposits | 52.6881% | 4,999 |
| Net loans and leases to core deposits | 63.4419% | 4,567 |
| Total domestic deposits to total assets | 85.9220% | 2,703 |
| Equity capital to assets | 12.5334% | 1,506 |
| Core capital (leverage) ratio | 11.7526% | 1,786 |
| Tier 1 risk-based capital ratio | 20.2078% | 1,348 |
| Total risk-based capital ratio | 20.9549% | 1,422 |
| Memoranda: | ||
| Average total assets | $1,259,700,000 | 609 |
| Average earning assets | $1,073,673,500 | 642 |
| Average equity | $162,717,500 | 514 |
| Average total loans | $587,960,000 | 893 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 2,987 |
| Cost of funding earning assets | 0.2191% | 4,841 |
| Net interest margin | 3.8414% | 2,168 |
| Noninterest income to average assets | 2.6855% | 235 |
| Noninterest expense to average assets | 4.2226% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2245% | 1,423 |
| Return on assets (ROA) | 1.2411% | 1,461 |
| Pretax return on assets | 1.8991% | 624 |
| Return on Equity (ROE) | 9.4048% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.4048% | 511 |
| Net charge-offs to loans | 0.0783% | 2,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 43.3222% | 1,114 |
| Efficiency ratio | 68.9269% | 3,086 |
| Assets per employee ($millions) | 3.1857% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 5,014 |
| Loan loss allowance to noncurrent loans | 16.0660% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 2.5612% | 461 |
| Noncurrent loans to loans | 5.1722% | 148 |
| Net loans and leases to total assets | 47.4152% | 4,936 |
| Net loans and leases to deposits | 60.3696% | 4,646 |
| Net loans and leases to core deposits | 68.1329% | 4,392 |
| Total domestic deposits to total assets | 78.5415% | 4,888 |
| Equity capital to assets | 13.3121% | 1,128 |
| Core capital (leverage) ratio | 12.0915% | 1,545 |
| Tier 1 risk-based capital ratio | 18.3080% | 1,773 |
| Total risk-based capital ratio | 18.9829% | 1,895 |
| Memoranda: | ||
| Average total assets | $1,176,896,600 | 618 |
| Average earning assets | $1,044,948,800 | 629 |
| Average equity | $155,303,600 | 511 |
| Average total loans | $650,457,000 | 767 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 3,437 |
| Cost of funding earning assets | 0.2131% | 4,945 |
| Net interest margin | 3.7341% | 2,578 |
| Noninterest income to average assets | 2.6844% | 238 |
| Noninterest expense to average assets | 4.1530% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2470% | 1,464 |
| Return on assets (ROA) | 1.2921% | 1,421 |
| Pretax return on assets | 1.9682% | 619 |
| Return on Equity (ROE) | 9.8135% | 2,134 |
| Retained earnings to average equity (ytd only) | 9.8135% | 614 |
| Net charge-offs to loans | 0.0692% | 2,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 48.0197% | 1,110 |
| Efficiency ratio | 68.2673% | 3,183 |
| Assets per employee ($millions) | 3.3249% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 5,448 |
| Loan loss allowance to noncurrent loans | 16.3297% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 2.5556% | 527 |
| Noncurrent loans to loans | 4.2112% | 250 |
| Net loans and leases to total assets | 58.5314% | 4,045 |
| Net loans and leases to deposits | 74.4358% | 3,554 |
| Net loans and leases to core deposits | 86.1314% | 2,938 |
| Total domestic deposits to total assets | 78.6333% | 4,803 |
| Equity capital to assets | 13.1340% | 1,422 |
| Core capital (leverage) ratio | 11.7480% | 1,841 |
| Tier 1 risk-based capital ratio | 17.3465% | 2,117 |
| Total risk-based capital ratio | 18.0162% | 2,263 |
| Memoranda: | ||
| Average total assets | $1,169,275,000 | 622 |
| Average earning assets | $1,054,833,750 | 623 |
| Average equity | $153,947,500 | 516 |
| Average total loans | $668,751,250 | 744 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 3,608 |
| Cost of funding earning assets | 0.2121% | 5,016 |
| Net interest margin | 3.6885% | 2,737 |
| Noninterest income to average assets | 2.4415% | 261 |
| Noninterest expense to average assets | 4.0675% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1292% | 1,860 |
| Return on assets (ROA) | 1.1187% | 2,008 |
| Pretax return on assets | 1.6818% | 1,140 |
| Return on Equity (ROE) | 8.4894% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.4894% | 1,012 |
| Net charge-offs to loans | 0.0848% | 1,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 35.3986% | 1,254 |
| Efficiency ratio | 70.1887% | 2,946 |
| Assets per employee ($millions) | 3.5654% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7115% | 5,492 |
| Loan loss allowance to noncurrent loans | 15.5304% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 2.5912% | 518 |
| Noncurrent loans to loans | 4.5814% | 217 |
| Net loans and leases to total assets | 54.8383% | 4,427 |
| Net loans and leases to deposits | 74.2807% | 3,557 |
| Net loans and leases to core deposits | 86.1849% | 2,879 |
| Total domestic deposits to total assets | 73.8257% | 5,533 |
| Equity capital to assets | 12.2239% | 1,958 |
| Core capital (leverage) ratio | 11.4695% | 2,018 |
| Tier 1 risk-based capital ratio | 16.6811% | 2,360 |
| Total risk-based capital ratio | 17.3579% | 2,531 |
| Memoranda: | ||
| Average total assets | $1,151,175,670 | 630 |
| Average earning assets | $1,037,226,670 | 634 |
| Average equity | $151,695,330 | 523 |
| Average total loans | $651,290,670 | 764 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 3,691 |
| Cost of funding earning assets | 0.2003% | 5,204 |
| Net interest margin | 3.6710% | 2,795 |
| Noninterest income to average assets | 2.2349% | 297 |
| Noninterest expense to average assets | 4.2084% | 489 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9021% | 2,742 |
| Return on assets (ROA) | 0.9021% | 2,868 |
| Pretax return on assets | 1.3184% | 2,231 |
| Return on Equity (ROE) | 6.5661% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.5661% | 2,096 |
| Net charge-offs to loans | 0.1200% | 1,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.1551% | 1,522 |
| Efficiency ratio | 75.7392% | 2,214 |
| Assets per employee ($millions) | 3.3861% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 5,434 |
| Loan loss allowance to noncurrent loans | 16.3187% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.7130% | 521 |
| Noncurrent loans to loans | 4.7439% | 220 |
| Net loans and leases to total assets | 55.3642% | 4,317 |
| Net loans and leases to deposits | 70.9398% | 3,762 |
| Net loans and leases to core deposits | 79.6694% | 3,351 |
| Total domestic deposits to total assets | 78.0438% | 5,139 |
| Equity capital to assets | 12.7397% | 1,537 |
| Core capital (leverage) ratio | 12.5689% | 1,309 |
| Tier 1 risk-based capital ratio | 16.2705% | 2,565 |
| Total risk-based capital ratio | 16.9612% | 2,753 |
| Memoranda: | ||
| Average total assets | $1,086,781,500 | 661 |
| Average earning assets | $974,562,000 | 680 |
| Average equity | $149,312,000 | 528 |
| Average total loans | $623,466,000 | 795 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 3,358 |
| Cost of funding earning assets | 0.1663% | 5,564 |
| Net interest margin | 3.8205% | 2,303 |
| Noninterest income to average assets | 2.5630% | 257 |
| Noninterest expense to average assets | 4.1988% | 544 |
| Loan and lease loss provision to assets | -0.0113% | 5,633 |
| Net operating income to assets | 1.2038% | 1,529 |
| Return on assets (ROA) | 1.2543% | 1,430 |
| Pretax return on assets | 1.8769% | 688 |
| Return on Equity (ROE) | 9.6933% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.6933% | 507 |
| Net charge-offs to loans | 0.0795% | 2,680 |
| Credit loss provision to net charge-offs | -25.7796% | 5,005 |
| Earnings coverage of net charge-offs (x) | 40.7027% | 1,166 |
| Efficiency ratio | 69.6771% | 3,270 |
| Assets per employee ($millions) | 2.8902% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 5,065 |
| Loan loss allowance to noncurrent loans | 18.5791% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 2.9476% | 447 |
| Noncurrent loans to loans | 4.8762% | 201 |
| Net loans and leases to total assets | 58.7161% | 3,998 |
| Net loans and leases to deposits | 70.6159% | 3,850 |
| Net loans and leases to core deposits | 73.4300% | 4,000 |
| Total domestic deposits to total assets | 83.1486% | 3,794 |
| Equity capital to assets | 14.9370% | 679 |
| Core capital (leverage) ratio | 12.4480% | 1,371 |
| Tier 1 risk-based capital ratio | 19.7347% | 1,535 |
| Total risk-based capital ratio | 20.6009% | 1,581 |
| Memoranda: | ||
| Average total assets | $1,093,584,000 | 640 |
| Average earning assets | $980,653,400 | 647 |
| Average equity | $141,510,400 | 535 |
| Average total loans | $604,834,200 | 768 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 3,804 |
| Cost of funding earning assets | 0.1627% | 5,683 |
| Net interest margin | 3.7199% | 2,676 |
| Noninterest income to average assets | 2.4081% | 274 |
| Noninterest expense to average assets | 3.9774% | 688 |
| Loan and lease loss provision to assets | -0.0148% | 5,832 |
| Net operating income to assets | 1.2252% | 1,569 |
| Return on assets (ROA) | 1.2901% | 1,419 |
| Pretax return on assets | 1.8843% | 749 |
| Return on Equity (ROE) | 10.3214% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.3214% | 584 |
| Net charge-offs to loans | 0.0457% | 2,990 |
| Credit loss provision to net charge-offs | -59.3301% | 4,980 |
| Earnings coverage of net charge-offs (x) | 71.2966% | 804 |
| Efficiency ratio | 68.7050% | 3,418 |
| Assets per employee ($millions) | 3.3020% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 5,247 |
| Loan loss allowance to noncurrent loans | 21.9684% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 2.2579% | 826 |
| Noncurrent loans to loans | 4.0361% | 316 |
| Net loans and leases to total assets | 54.5755% | 4,501 |
| Net loans and leases to deposits | 67.0179% | 4,279 |
| Net loans and leases to core deposits | 76.6546% | 3,725 |
| Total domestic deposits to total assets | 81.4342% | 4,357 |
| Equity capital to assets | 12.6962% | 1,617 |
| Core capital (leverage) ratio | 11.4957% | 2,044 |
| Tier 1 risk-based capital ratio | 15.9886% | 2,804 |
| Total risk-based capital ratio | 16.7448% | 2,979 |
| Memoranda: | ||
| Average total assets | $1,119,870,250 | 634 |
| Average earning assets | $1,006,532,250 | 643 |
| Average equity | $139,977,250 | 541 |
| Average total loans | $609,623,000 | 773 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 3,825 |
| Cost of funding earning assets | 0.1605% | 5,773 |
| Net interest margin | 3.7001% | 2,708 |
| Noninterest income to average assets | 2.3178% | 303 |
| Noninterest expense to average assets | 3.8913% | 770 |
| Loan and lease loss provision to assets | -0.0223% | 5,978 |
| Net operating income to assets | 1.1894% | 1,633 |
| Return on assets (ROA) | 1.2698% | 1,463 |
| Pretax return on assets | 1.8937% | 741 |
| Return on Equity (ROE) | 10.2136% | 1,970 |
| Retained earnings to average equity (ytd only) | 10.2136% | 629 |
| Net charge-offs to loans | 0.0570% | 2,584 |
| Credit loss provision to net charge-offs | -72.0930% | 4,858 |
| Earnings coverage of net charge-offs (x) | 56.6337% | 873 |
| Efficiency ratio | 68.4989% | 3,593 |
| Assets per employee ($millions) | 3.6299% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 5,497 |
| Loan loss allowance to noncurrent loans | 27.8812% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 1.7314% | 1,362 |
| Noncurrent loans to loans | 3.0073% | 658 |
| Net loans and leases to total assets | 54.9380% | 4,464 |
| Net loans and leases to deposits | 62.9852% | 4,620 |
| Net loans and leases to core deposits | 78.0044% | 3,567 |
| Total domestic deposits to total assets | 87.2237% | 2,048 |
| Equity capital to assets | 11.6068% | 2,324 |
| Core capital (leverage) ratio | 11.0498% | 2,379 |
| Tier 1 risk-based capital ratio | 17.2831% | 2,292 |
| Total risk-based capital ratio | 18.1291% | 2,406 |
| Memoranda: | ||
| Average total assets | $1,112,334,670 | 640 |
| Average earning assets | $999,543,000 | 651 |
| Average equity | $138,286,000 | 550 |
| Average total loans | $603,134,000 | 779 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 4,268 |
| Cost of funding earning assets | 0.1532% | 5,908 |
| Net interest margin | 3.5739% | 3,107 |
| Noninterest income to average assets | 2.4241% | 284 |
| Noninterest expense to average assets | 3.9424% | 732 |
| Loan and lease loss provision to assets | -0.0466% | 6,153 |
| Net operating income to assets | 1.1714% | 1,631 |
| Return on assets (ROA) | 1.3201% | 1,296 |
| Pretax return on assets | 1.9392% | 664 |
| Return on Equity (ROE) | 10.2331% | 1,899 |
| Retained earnings to average equity (ytd only) | 10.2331% | 866 |
| Net charge-offs to loans | 0.0590% | 2,165 |
| Credit loss provision to net charge-offs | -147.6190% | 4,557 |
| Earnings coverage of net charge-offs (x) | 53.0119% | 803 |
| Efficiency ratio | 69.7142% | 3,540 |
| Assets per employee ($millions) | 3.4810% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 5,218 |
| Loan loss allowance to noncurrent loans | 27.0811% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 1.9531% | 1,227 |
| Noncurrent loans to loans | 3.5344% | 541 |
| Net loans and leases to total assets | 51.0627% | 4,739 |
| Net loans and leases to deposits | 60.6967% | 4,692 |
| Net loans and leases to core deposits | 70.0181% | 4,154 |
| Total domestic deposits to total assets | 84.1277% | 3,770 |
| Equity capital to assets | 12.0399% | 2,000 |
| Core capital (leverage) ratio | 12.4979% | 1,364 |
| Tier 1 risk-based capital ratio | 17.4128% | 2,334 |
| Total risk-based capital ratio | 18.2891% | 2,423 |
| Memoranda: | ||
| Average total assets | $1,064,126,500 | 668 |
| Average earning assets | $950,454,500 | 674 |
| Average equity | $137,280,500 | 553 |
| Average total loans | $569,861,500 | 820 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 3,901 |
| Cost of funding earning assets | 0.2486% | 5,335 |
| Net interest margin | 3.7061% | 2,987 |
| Noninterest income to average assets | 2.0570% | 324 |
| Noninterest expense to average assets | 4.3958% | 504 |
| Loan and lease loss provision to assets | -0.0487% | 6,029 |
| Net operating income to assets | 0.7391% | 3,683 |
| Return on assets (ROA) | 1.0947% | 2,048 |
| Pretax return on assets | 1.4497% | 1,722 |
| Return on Equity (ROE) | 8.6119% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.6119% | 795 |
| Net charge-offs to loans | 0.0797% | 3,352 |
| Credit loss provision to net charge-offs | -108.1678% | 5,533 |
| Earnings coverage of net charge-offs (x) | 20.7263% | 1,715 |
| Efficiency ratio | 81.9486% | 1,669 |
| Assets per employee ($millions) | 3.0203% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 4,606 |
| Loan loss allowance to noncurrent loans | 26.8255% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.4712% | 938 |
| Noncurrent loans to loans | 4.0514% | 449 |
| Net loans and leases to total assets | 55.3160% | 4,406 |
| Net loans and leases to deposits | 65.2624% | 4,404 |
| Net loans and leases to core deposits | 68.8127% | 4,425 |
| Total domestic deposits to total assets | 84.7594% | 3,387 |
| Equity capital to assets | 13.9238% | 985 |
| Core capital (leverage) ratio | 13.3550% | 1,015 |
| Tier 1 risk-based capital ratio | 19.1209% | 1,810 |
| Total risk-based capital ratio | 20.1117% | 1,850 |
| Memoranda: | ||
| Average total assets | $1,006,190,600 | 675 |
| Average earning assets | $888,310,000 | 692 |
| Average equity | $127,904,000 | 568 |
| Average total loans | $568,651,200 | 781 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 3,829 |
| Cost of funding earning assets | 0.2394% | 5,521 |
| Net interest margin | 3.7418% | 2,850 |
| Noninterest income to average assets | 1.9968% | 344 |
| Noninterest expense to average assets | 4.4487% | 484 |
| Loan and lease loss provision to assets | -0.0565% | 6,206 |
| Net operating income to assets | 0.6766% | 4,071 |
| Return on assets (ROA) | 0.8847% | 3,093 |
| Pretax return on assets | 1.1886% | 2,828 |
| Return on Equity (ROE) | 7.1222% | 3,648 |
| Retained earnings to average equity (ytd only) | 7.1222% | 1,755 |
| Net charge-offs to loans | 0.0976% | 2,829 |
| Credit loss provision to net charge-offs | -102.1378% | 5,459 |
| Earnings coverage of net charge-offs (x) | 15.3800% | 2,055 |
| Efficiency ratio | 83.4061% | 1,461 |
| Assets per employee ($millions) | 3.1339% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 5,011 |
| Loan loss allowance to noncurrent loans | 21.1180% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 3.0556% | 763 |
| Noncurrent loans to loans | 4.9544% | 376 |
| Net loans and leases to total assets | 55.5720% | 4,385 |
| Net loans and leases to deposits | 67.6326% | 4,171 |
| Net loans and leases to core deposits | 72.2001% | 4,137 |
| Total domestic deposits to total assets | 82.1676% | 4,423 |
| Equity capital to assets | 12.8914% | 1,481 |
| Core capital (leverage) ratio | 12.2882% | 1,520 |
| Tier 1 risk-based capital ratio | 17.9976% | 2,210 |
| Total risk-based capital ratio | 18.9968% | 2,258 |
| Memoranda: | ||
| Average total assets | $1,014,600,500 | 661 |
| Average earning assets | $895,552,000 | 687 |
| Average equity | $126,026,000 | 572 |
| Average total loans | $574,842,250 | 765 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 4,087 |
| Cost of funding earning assets | 0.2467% | 5,519 |
| Net interest margin | 3.6666% | 3,086 |
| Noninterest income to average assets | 1.6409% | 474 |
| Noninterest expense to average assets | 4.4038% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3670% | 5,341 |
| Return on assets (ROA) | 0.7010% | 3,925 |
| Pretax return on assets | 0.8869% | 3,932 |
| Return on Equity (ROE) | 5.7164% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.7164% | 2,503 |
| Net charge-offs to loans | 0.1683% | 2,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.8533% | 3,032 |
| Efficiency ratio | 89.8774% | 930 |
| Assets per employee ($millions) | 3.1302% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 5,048 |
| Loan loss allowance to noncurrent loans | 22.2696% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 3.1893% | 779 |
| Noncurrent loans to loans | 4.7797% | 440 |
| Net loans and leases to total assets | 57.1452% | 4,096 |
| Net loans and leases to deposits | 69.5814% | 3,875 |
| Net loans and leases to core deposits | 74.2603% | 3,811 |
| Total domestic deposits to total assets | 82.1271% | 4,603 |
| Equity capital to assets | 12.2800% | 1,789 |
| Core capital (leverage) ratio | 11.7853% | 1,798 |
| Tier 1 risk-based capital ratio | 17.3971% | 2,463 |
| Total risk-based capital ratio | 18.4483% | 2,498 |
| Memoranda: | ||
| Average total assets | $1,012,254,670 | 658 |
| Average earning assets | $890,908,330 | 684 |
| Average equity | $124,133,670 | 582 |
| Average total loans | $575,207,000 | 761 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 3,989 |
| Cost of funding earning assets | 0.2873% | 5,197 |
| Net interest margin | 3.6383% | 3,105 |
| Noninterest income to average assets | 1.4379% | 566 |
| Noninterest expense to average assets | 4.5968% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0361% | 6,154 |
| Return on assets (ROA) | 0.6322% | 4,124 |
| Pretax return on assets | 0.7597% | 4,273 |
| Return on Equity (ROE) | 5.1589% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.1589% | 3,016 |
| Net charge-offs to loans | 0.1682% | 1,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.4388% | 3,349 |
| Efficiency ratio | 98.4828% | 526 |
| Assets per employee ($millions) | 2.8086% | 6,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 4,634 |
| Loan loss allowance to noncurrent loans | 21.0264% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 3.5151% | 741 |
| Noncurrent loans to loans | 5.7083% | 340 |
| Net loans and leases to total assets | 53.7222% | 4,460 |
| Net loans and leases to deposits | 62.5164% | 4,488 |
| Net loans and leases to core deposits | 67.7178% | 4,342 |
| Total domestic deposits to total assets | 85.9329% | 3,399 |
| Equity capital to assets | 12.2394% | 1,725 |
| Core capital (leverage) ratio | 11.8298% | 1,746 |
| Tier 1 risk-based capital ratio | 17.9433% | 2,322 |
| Total risk-based capital ratio | 19.0876% | 2,335 |
| Memoranda: | ||
| Average total assets | $1,000,340,000 | 677 |
| Average earning assets | $879,961,500 | 700 |
| Average equity | $122,585,000 | 589 |
| Average total loans | $563,589,500 | 777 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 3,291 |
| Cost of funding earning assets | 0.2570% | 5,927 |
| Net interest margin | 3.9583% | 2,077 |
| Noninterest income to average assets | 2.4592% | 286 |
| Noninterest expense to average assets | 4.4462% | 546 |
| Loan and lease loss provision to assets | -0.0208% | 6,300 |
| Net operating income to assets | 1.0504% | 2,119 |
| Return on assets (ROA) | 1.1167% | 1,945 |
| Pretax return on assets | 1.6070% | 1,147 |
| Return on Equity (ROE) | 9.1718% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.1718% | 737 |
| Net charge-offs to loans | 0.3545% | 1,907 |
| Credit loss provision to net charge-offs | -9.8765% | 5,684 |
| Earnings coverage of net charge-offs (x) | 7.0889% | 2,915 |
| Efficiency ratio | 74.6363% | 3,024 |
| Assets per employee ($millions) | 2.8194% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 4,712 |
| Loan loss allowance to noncurrent loans | 20.1945% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 3.8058% | 720 |
| Noncurrent loans to loans | 5.8936% | 357 |
| Net loans and leases to total assets | 57.6642% | 4,089 |
| Net loans and leases to deposits | 67.1246% | 4,169 |
| Net loans and leases to core deposits | 73.9121% | 3,849 |
| Total domestic deposits to total assets | 85.9061% | 3,311 |
| Equity capital to assets | 12.2697% | 1,638 |
| Core capital (leverage) ratio | 11.9712% | 1,626 |
| Tier 1 risk-based capital ratio | 17.4904% | 2,420 |
| Total risk-based capital ratio | 18.6475% | 2,430 |
| Memoranda: | ||
| Average total assets | $963,278,400 | 682 |
| Average earning assets | $846,200,400 | 704 |
| Average equity | $117,283,400 | 607 |
| Average total loans | $571,292,800 | 735 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2071% | 3,367 |
| Cost of funding earning assets | 0.2462% | 6,114 |
| Net interest margin | 3.9610% | 2,072 |
| Noninterest income to average assets | 2.7347% | 263 |
| Noninterest expense to average assets | 4.4358% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2127% | 1,590 |
| Return on assets (ROA) | 1.2954% | 1,431 |
| Pretax return on assets | 1.9007% | 707 |
| Return on Equity (ROE) | 10.6609% | 1,934 |
| Retained earnings to average equity (ytd only) | 10.6609% | 648 |
| Net charge-offs to loans | 0.4272% | 1,497 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.9923% | 2,871 |
| Efficiency ratio | 71.1229% | 3,585 |
| Assets per employee ($millions) | 2.6396% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,001 |
| Loan loss allowance to noncurrent loans | 20.2062% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 4.2666% | 719 |
| Noncurrent loans to loans | 6.8067% | 315 |
| Net loans and leases to total assets | 54.7243% | 4,496 |
| Net loans and leases to deposits | 64.0954% | 4,509 |
| Net loans and leases to core deposits | 70.0797% | 4,315 |
| Total domestic deposits to total assets | 85.3795% | 3,551 |
| Equity capital to assets | 12.6270% | 1,514 |
| Core capital (leverage) ratio | 12.3320% | 1,501 |
| Tier 1 risk-based capital ratio | 18.7631% | 2,060 |
| Total risk-based capital ratio | 20.0130% | 2,030 |
| Memoranda: | ||
| Average total assets | $957,400,250 | 690 |
| Average earning assets | $841,186,750 | 714 |
| Average equity | $116,335,250 | 615 |
| Average total loans | $570,146,250 | 731 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 3,548 |
| Cost of funding earning assets | 0.2507% | 6,169 |
| Net interest margin | 3.8972% | 2,220 |
| Noninterest income to average assets | 2.6994% | 290 |
| Noninterest expense to average assets | 4.4533% | 551 |
| Loan and lease loss provision to assets | 0.0313% | 4,304 |
| Net operating income to assets | 1.1289% | 1,822 |
| Return on assets (ROA) | 1.2420% | 1,572 |
| Pretax return on assets | 1.8085% | 910 |
| Return on Equity (ROE) | 10.3547% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.3547% | 770 |
| Net charge-offs to loans | 0.4907% | 1,331 |
| Credit loss provision to net charge-offs | 10.4603% | 3,892 |
| Earnings coverage of net charge-offs (x) | 5.6088% | 2,858 |
| Efficiency ratio | 72.4043% | 3,401 |
| Assets per employee ($millions) | 2.6944% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 4,048 |
| Loan loss allowance to noncurrent loans | 23.2098% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 4.1012% | 838 |
| Noncurrent loans to loans | 6.0213% | 467 |
| Net loans and leases to total assets | 56.5422% | 4,205 |
| Net loans and leases to deposits | 67.2386% | 4,107 |
| Net loans and leases to core deposits | 71.5965% | 4,096 |
| Total domestic deposits to total assets | 84.0919% | 4,278 |
| Equity capital to assets | 11.9595% | 1,943 |
| Core capital (leverage) ratio | 11.6954% | 1,804 |
| Tier 1 risk-based capital ratio | 17.2825% | 2,598 |
| Total risk-based capital ratio | 18.5754% | 2,554 |
| Memoranda: | ||
| Average total assets | $959,780,330 | 689 |
| Average earning assets | $844,700,000 | 710 |
| Average equity | $115,117,330 | 624 |
| Average total loans | $584,436,670 | 711 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 3,477 |
| Cost of funding earning assets | 0.2482% | 6,300 |
| Net interest margin | 3.9105% | 2,085 |
| Noninterest income to average assets | 2.7109% | 285 |
| Noninterest expense to average assets | 4.4467% | 558 |
| Loan and lease loss provision to assets | 0.1259% | 2,659 |
| Net operating income to assets | 1.0636% | 1,980 |
| Return on assets (ROA) | 1.0636% | 2,094 |
| Pretax return on assets | 1.5957% | 1,314 |
| Return on Equity (ROE) | 8.8549% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.8549% | 1,432 |
| Net charge-offs to loans | 0.4664% | 1,282 |
| Credit loss provision to net charge-offs | 43.0416% | 2,708 |
| Earnings coverage of net charge-offs (x) | 5.8867% | 2,310 |
| Efficiency ratio | 71.8387% | 3,646 |
| Assets per employee ($millions) | 2.6079% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 3,566 |
| Loan loss allowance to noncurrent loans | 27.5418% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 3.8105% | 1,082 |
| Noncurrent loans to loans | 5.6695% | 618 |
| Net loans and leases to total assets | 57.1857% | 3,886 |
| Net loans and leases to deposits | 66.5975% | 3,972 |
| Net loans and leases to core deposits | 71.0934% | 3,945 |
| Total domestic deposits to total assets | 85.8676% | 3,605 |
| Equity capital to assets | 12.0902% | 1,981 |
| Core capital (leverage) ratio | 11.5579% | 1,841 |
| Tier 1 risk-based capital ratio | 17.2735% | 2,655 |
| Total risk-based capital ratio | 18.5357% | 2,615 |
| Memoranda: | ||
| Average total assets | $953,333,500 | 701 |
| Average earning assets | $842,853,000 | 718 |
| Average equity | $114,512,500 | 635 |
| Average total loans | $597,772,000 | 692 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 3,659 |
| Cost of funding earning assets | 0.4263% | 5,743 |
| Net interest margin | 4.0136% | 2,346 |
| Noninterest income to average assets | 2.9037% | 268 |
| Noninterest expense to average assets | 4.2751% | 700 |
| Loan and lease loss provision to assets | 0.8289% | 575 |
| Net operating income to assets | 0.8864% | 2,884 |
| Return on assets (ROA) | 1.0179% | 2,475 |
| Pretax return on assets | 1.5298% | 1,595 |
| Return on Equity (ROE) | 8.2519% | 2,981 |
| Retained earnings to average equity (ytd only) | -8.0289% | 6,573 |
| Net charge-offs to loans | 0.9552% | 1,159 |
| Credit loss provision to net charge-offs | 147.8331% | 1,841 |
| Earnings coverage of net charge-offs (x) | 3.8567% | 3,569 |
| Efficiency ratio | 66.1753% | 4,464 |
| Assets per employee ($millions) | 2.6304% | 6,508 |
| Cash dividends to net income (ytd only)* | 197.2970% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 4,073 |
| Loan loss allowance to noncurrent loans | 27.7722% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 3.9477% | 1,095 |
| Noncurrent loans to loans | 5.1117% | 769 |
| Net loans and leases to total assets | 66.3944% | 2,469 |
| Net loans and leases to deposits | 77.9609% | 2,538 |
| Net loans and leases to core deposits | 82.5299% | 2,713 |
| Total domestic deposits to total assets | 85.1637% | 3,780 |
| Equity capital to assets | 11.9328% | 2,087 |
| Core capital (leverage) ratio | 11.3388% | 1,985 |
| Tier 1 risk-based capital ratio | 15.9310% | 3,196 |
| Total risk-based capital ratio | 17.1775% | 3,165 |
| Memoranda: | ||
| Average total assets | $995,867,400 | 662 |
| Average earning assets | $876,854,400 | 677 |
| Average equity | $122,844,200 | 585 |
| Average total loans | $584,593,000 | 707 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 3,733 |
| Cost of funding earning assets | 0.4672% | 5,664 |
| Net interest margin | 4.0086% | 2,468 |
| Noninterest income to average assets | 2.8395% | 268 |
| Noninterest expense to average assets | 3.8788% | 1,094 |
| Loan and lease loss provision to assets | 0.7616% | 640 |
| Net operating income to assets | 1.1344% | 1,971 |
| Return on assets (ROA) | 1.1973% | 1,926 |
| Pretax return on assets | 1.8215% | 994 |
| Return on Equity (ROE) | 9.6323% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.6323% | 1,020 |
| Net charge-offs to loans | 0.9457% | 1,144 |
| Credit loss provision to net charge-offs | 142.1339% | 2,031 |
| Earnings coverage of net charge-offs (x) | 4.6426% | 3,243 |
| Efficiency ratio | 60.6931% | 5,379 |
| Assets per employee ($millions) | 3.1684% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 4,869 |
| Loan loss allowance to noncurrent loans | 24.4692% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 3.7526% | 1,316 |
| Noncurrent loans to loans | 5.2609% | 834 |
| Net loans and leases to total assets | 59.6881% | 3,845 |
| Net loans and leases to deposits | 75.4913% | 3,063 |
| Net loans and leases to core deposits | 81.3779% | 3,039 |
| Total domestic deposits to total assets | 79.0662% | 5,858 |
| Equity capital to assets | 12.6005% | 1,824 |
| Core capital (leverage) ratio | 12.1506% | 1,560 |
| Tier 1 risk-based capital ratio | 17.6878% | 2,465 |
| Total risk-based capital ratio | 18.8663% | 2,460 |
| Memoranda: | ||
| Average total assets | $1,007,444,500 | 666 |
| Average earning assets | $886,429,250 | 673 |
| Average equity | $125,228,000 | 576 |
| Average total loans | $570,858,000 | 727 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 3,839 |
| Cost of funding earning assets | 0.5064% | 5,574 |
| Net interest margin | 3.9765% | 2,605 |
| Noninterest income to average assets | 2.7767% | 265 |
| Noninterest expense to average assets | 3.8177% | 1,188 |
| Loan and lease loss provision to assets | 0.7331% | 715 |
| Net operating income to assets | 1.1755% | 1,798 |
| Return on assets (ROA) | 1.1834% | 1,972 |
| Pretax return on assets | 1.7421% | 1,158 |
| Return on Equity (ROE) | 9.5659% | 2,545 |
| Retained earnings to average equity (ytd only) | 9.5659% | 1,096 |
| Net charge-offs to loans | 0.9506% | 1,161 |
| Credit loss provision to net charge-offs | 139.3662% | 1,978 |
| Earnings coverage of net charge-offs (x) | 4.6835% | 3,019 |
| Efficiency ratio | 60.7789% | 5,455 |
| Assets per employee ($millions) | 3.1256% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 4,971 |
| Loan loss allowance to noncurrent loans | 26.2482% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 3.4822% | 1,533 |
| Noncurrent loans to loans | 4.8845% | 1,027 |
| Net loans and leases to total assets | 56.3856% | 4,406 |
| Net loans and leases to deposits | 72.8185% | 3,484 |
| Net loans and leases to core deposits | 78.1580% | 3,492 |
| Total domestic deposits to total assets | 77.4331% | 6,260 |
| Equity capital to assets | 12.4993% | 1,815 |
| Core capital (leverage) ratio | 12.0825% | 1,565 |
| Tier 1 risk-based capital ratio | 19.2115% | 1,911 |
| Total risk-based capital ratio | 20.3814% | 1,912 |
| Memoranda: | ||
| Average total assets | $995,791,000 | 671 |
| Average earning assets | $877,600,670 | 685 |
| Average equity | $123,188,000 | 583 |
| Average total loans | $551,042,000 | 761 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 4,422 |
| Cost of funding earning assets | 0.5456% | 5,523 |
| Net interest margin | 3.8314% | 3,236 |
| Noninterest income to average assets | 2.4200% | 311 |
| Noninterest expense to average assets | 3.8597% | 1,115 |
| Loan and lease loss provision to assets | 0.9941% | 421 |
| Net operating income to assets | 0.6744% | 4,012 |
| Return on assets (ROA) | 0.6744% | 4,227 |
| Pretax return on assets | 0.9455% | 3,883 |
| Return on Equity (ROE) | 5.4808% | 4,556 |
| Retained earnings to average equity (ytd only) | 5.4808% | 3,270 |
| Net charge-offs to loans | 1.1431% | 903 |
| Credit loss provision to net charge-offs | 159.8174% | 1,587 |
| Earnings coverage of net charge-offs (x) | 3.1181% | 2,955 |
| Efficiency ratio | 66.5547% | 4,451 |
| Assets per employee ($millions) | 3.0004% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 5,046 |
| Loan loss allowance to noncurrent loans | 19.0112% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 4.6940% | 1,123 |
| Noncurrent loans to loans | 6.8111% | 676 |
| Net loans and leases to total assets | 56.2230% | 4,346 |
| Net loans and leases to deposits | 71.1691% | 3,558 |
| Net loans and leases to core deposits | 76.4800% | 3,560 |
| Total domestic deposits to total assets | 78.9992% | 6,072 |
| Equity capital to assets | 12.3392% | 1,823 |
| Core capital (leverage) ratio | 12.0272% | 1,571 |
| Tier 1 risk-based capital ratio | 19.8536% | 1,742 |
| Total risk-based capital ratio | 21.0738% | 1,723 |
| Memoranda: | ||
| Average total assets | $985,771,500 | 675 |
| Average earning assets | $869,450,500 | 692 |
| Average equity | $121,296,000 | 590 |
| Average total loans | $536,452,500 | 776 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 6,126 |
| Cost of funding earning assets | 0.7260% | 5,368 |
| Net interest margin | 3.4498% | 5,332 |
| Noninterest income to average assets | 1.4657% | 604 |
| Noninterest expense to average assets | 3.2632% | 2,643 |
| Loan and lease loss provision to assets | 0.4603% | 2,301 |
| Net operating income to assets | 0.5610% | 4,181 |
| Return on assets (ROA) | 0.8964% | 2,751 |
| Pretax return on assets | 1.2835% | 2,196 |
| Return on Equity (ROE) | 8.0378% | 2,879 |
| Retained earnings to average equity (ytd only) | 7.0977% | 1,453 |
| Net charge-offs to loans | 0.9951% | 1,747 |
| Credit loss provision to net charge-offs | 92.7334% | 3,888 |
| Earnings coverage of net charge-offs (x) | 2.5480% | 3,939 |
| Efficiency ratio | 71.7217% | 3,634 |
| Assets per employee ($millions) | 3.0012% | 6,081 |
| Cash dividends to net income (ytd only)* | 11.6959% | 3,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 5,102 |
| Loan loss allowance to noncurrent loans | 20.9973% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 3.8943% | 1,479 |
| Noncurrent loans to loans | 6.0178% | 826 |
| Net loans and leases to total assets | 51.1852% | 5,442 |
| Net loans and leases to deposits | 64.9191% | 4,886 |
| Net loans and leases to core deposits | 69.7757% | 4,809 |
| Total domestic deposits to total assets | 78.8447% | 6,027 |
| Equity capital to assets | 12.2697% | 1,930 |
| Core capital (leverage) ratio | 12.0668% | 1,556 |
| Tier 1 risk-based capital ratio | 20.8687% | 1,441 |
| Total risk-based capital ratio | 22.0053% | 1,441 |
| Memoranda: | ||
| Average total assets | $953,767,000 | 682 |
| Average earning assets | $846,602,600 | 694 |
| Average equity | $106,372,800 | 648 |
| Average total loans | $475,727,400 | 877 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 6,224 |
| Cost of funding earning assets | 0.7623% | 5,381 |
| Net interest margin | 3.4299% | 5,465 |
| Noninterest income to average assets | 1.4764% | 600 |
| Noninterest expense to average assets | 3.2986% | 2,496 |
| Loan and lease loss provision to assets | 0.4847% | 2,054 |
| Net operating income to assets | 0.5184% | 4,461 |
| Return on assets (ROA) | 0.9510% | 2,695 |
| Pretax return on assets | 1.3657% | 2,063 |
| Return on Equity (ROE) | 8.7532% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.7532% | 1,232 |
| Net charge-offs to loans | 0.8894% | 1,793 |
| Credit loss provision to net charge-offs | 110.3813% | 2,989 |
| Earnings coverage of net charge-offs (x) | 2.8065% | 3,732 |
| Efficiency ratio | 72.4498% | 3,464 |
| Assets per employee ($millions) | 3.2386% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 4,245 |
| Loan loss allowance to noncurrent loans | 27.2500% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 3.6907% | 1,695 |
| Noncurrent loans to loans | 5.3977% | 1,110 |
| Net loans and leases to total assets | 49.6141% | 5,755 |
| Net loans and leases to deposits | 63.1051% | 5,279 |
| Net loans and leases to core deposits | 66.1618% | 5,395 |
| Total domestic deposits to total assets | 78.6214% | 6,068 |
| Equity capital to assets | 12.5308% | 1,907 |
| Core capital (leverage) ratio | 12.3936% | 1,486 |
| Tier 1 risk-based capital ratio | 21.8814% | 1,312 |
| Total risk-based capital ratio | 23.1075% | 1,287 |
| Memoranda: | ||
| Average total assets | $947,607,500 | 698 |
| Average earning assets | $843,923,500 | 705 |
| Average equity | $102,954,250 | 672 |
| Average total loans | $467,857,250 | 908 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 6,361 |
| Cost of funding earning assets | 0.7687% | 5,569 |
| Net interest margin | 3.3941% | 5,570 |
| Noninterest income to average assets | 1.2514% | 806 |
| Noninterest expense to average assets | 3.1661% | 3,024 |
| Loan and lease loss provision to assets | 0.3386% | 2,757 |
| Net operating income to assets | 0.5801% | 4,157 |
| Return on assets (ROA) | 0.9014% | 2,741 |
| Pretax return on assets | 1.1962% | 2,498 |
| Return on Equity (ROE) | 8.7483% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.7483% | 1,194 |
| Net charge-offs to loans | 0.8860% | 1,753 |
| Credit loss provision to net charge-offs | 77.9347% | 3,829 |
| Earnings coverage of net charge-offs (x) | 2.5465% | 3,555 |
| Efficiency ratio | 73.7270% | 3,410 |
| Assets per employee ($millions) | 3.2295% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 4,804 |
| Loan loss allowance to noncurrent loans | 21.8582% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 3.7283% | 1,743 |
| Noncurrent loans to loans | 6.2005% | 935 |
| Net loans and leases to total assets | 48.2787% | 6,026 |
| Net loans and leases to deposits | 60.4136% | 5,687 |
| Net loans and leases to core deposits | 63.7610% | 5,748 |
| Total domestic deposits to total assets | 79.9136% | 5,847 |
| Equity capital to assets | 10.5902% | 3,390 |
| Core capital (leverage) ratio | 10.3183% | 2,913 |
| Tier 1 risk-based capital ratio | 19.8060% | 1,651 |
| Total risk-based capital ratio | 21.0564% | 1,622 |
| Memoranda: | ||
| Average total assets | $945,017,670 | 710 |
| Average earning assets | $841,157,330 | 718 |
| Average equity | $97,367,000 | 703 |
| Average total loans | $463,450,330 | 934 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 6,198 |
| Cost of funding earning assets | 0.7952% | 5,597 |
| Net interest margin | 3.4369% | 5,281 |
| Noninterest income to average assets | 0.8910% | 1,688 |
| Noninterest expense to average assets | 3.1091% | 3,208 |
| Loan and lease loss provision to assets | 0.4243% | 2,066 |
| Net operating income to assets | 0.3150% | 5,334 |
| Return on assets (ROA) | 0.8918% | 2,664 |
| Pretax return on assets | 1.1697% | 2,483 |
| Return on Equity (ROE) | 8.7789% | 2,570 |
| Retained earnings to average equity (ytd only) | 8.7789% | 1,458 |
| Net charge-offs to loans | 0.4546% | 2,332 |
| Credit loss provision to net charge-offs | 190.1141% | 1,552 |
| Earnings coverage of net charge-offs (x) | 3.7414% | 2,646 |
| Efficiency ratio | 78.4316% | 2,780 |
| Assets per employee ($millions) | 3.2944% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 3,962 |
| Loan loss allowance to noncurrent loans | 23.0944% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 3.9304% | 1,697 |
| Noncurrent loans to loans | 6.7112% | 864 |
| Net loans and leases to total assets | 48.2092% | 6,056 |
| Net loans and leases to deposits | 60.1880% | 5,712 |
| Net loans and leases to core deposits | 63.4196% | 5,788 |
| Total domestic deposits to total assets | 80.0977% | 5,924 |
| Equity capital to assets | 10.2418% | 3,479 |
| Core capital (leverage) ratio | 10.0488% | 3,089 |
| Tier 1 risk-based capital ratio | 22.3421% | 1,168 |
| Total risk-based capital ratio | 23.5977% | 1,147 |
| Memoranda: | ||
| Average total assets | $942,794,500 | 717 |
| Average earning assets | $837,489,000 | 724 |
| Average equity | $95,775,500 | 705 |
| Average total loans | $462,832,000 | 945 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9578% | 4,751 |
| Cost of funding earning assets | 1.0958% | 5,153 |
| Net interest margin | 3.8620% | 3,679 |
| Noninterest income to average assets | 1.5054% | 642 |
| Noninterest expense to average assets | 3.0760% | 3,562 |
| Loan and lease loss provision to assets | 0.4332% | 3,522 |
| Net operating income to assets | 0.7287% | 3,108 |
| Return on assets (ROA) | 1.0400% | 2,012 |
| Pretax return on assets | 1.5563% | 1,226 |
| Return on Equity (ROE) | 10.7108% | 1,680 |
| Retained earnings to average equity (ytd only) | 10.7108% | 414 |
| Net charge-offs to loans | 1.1381% | 1,962 |
| Credit loss provision to net charge-offs | 76.7342% | 5,672 |
| Earnings coverage of net charge-offs (x) | 2.7701% | 3,688 |
| Efficiency ratio | 66.0416% | 4,964 |
| Assets per employee ($millions) | 3.3459% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 4,188 |
| Loan loss allowance to noncurrent loans | 20.8164% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 4.0779% | 1,660 |
| Noncurrent loans to loans | 7.0598% | 794 |
| Net loans and leases to total assets | 48.4940% | 6,338 |
| Net loans and leases to deposits | 60.4860% | 6,003 |
| Net loans and leases to core deposits | 63.4329% | 6,107 |
| Total domestic deposits to total assets | 80.1740% | 5,785 |
| Equity capital to assets | 10.0739% | 3,652 |
| Core capital (leverage) ratio | 9.9867% | 3,111 |
| Tier 1 risk-based capital ratio | 17.5370% | 2,160 |
| Total risk-based capital ratio | 18.7872% | 2,124 |
| Memoranda: | ||
| Average total assets | $909,145,400 | 743 |
| Average earning assets | $737,826,400 | 832 |
| Average equity | $88,275,600 | 760 |
| Average total loans | $450,936,600 | 1,002 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 4,411 |
| Cost of funding earning assets | 1.1494% | 5,154 |
| Net interest margin | 3.9340% | 3,386 |
| Noninterest income to average assets | 1.6329% | 526 |
| Noninterest expense to average assets | 3.0369% | 3,619 |
| Loan and lease loss provision to assets | 0.4928% | 3,003 |
| Net operating income to assets | 0.7951% | 3,020 |
| Return on assets (ROA) | 1.0577% | 2,152 |
| Pretax return on assets | 1.5579% | 1,453 |
| Return on Equity (ROE) | 11.0000% | 1,788 |
| Retained earnings to average equity (ytd only) | 11.0000% | 608 |
| Net charge-offs to loans | 0.5621% | 3,069 |
| Credit loss provision to net charge-offs | 176.4271% | 2,086 |
| Earnings coverage of net charge-offs (x) | 6.1506% | 2,588 |
| Efficiency ratio | 63.6465% | 5,310 |
| Assets per employee ($millions) | 3.6211% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9771% | 2,284 |
| Loan loss allowance to noncurrent loans | 29.9385% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 4.0074% | 1,744 |
| Noncurrent loans to loans | 6.6039% | 896 |
| Net loans and leases to total assets | 47.9819% | 6,521 |
| Net loans and leases to deposits | 59.6830% | 6,336 |
| Net loans and leases to core deposits | 63.2201% | 6,353 |
| Total domestic deposits to total assets | 80.3946% | 5,582 |
| Equity capital to assets | 9.5740% | 4,737 |
| Core capital (leverage) ratio | 9.3898% | 4,072 |
| Tier 1 risk-based capital ratio | 17.2651% | 2,255 |
| Total risk-based capital ratio | 18.4880% | 2,226 |
| Memoranda: | ||
| Average total assets | $903,056,500 | 745 |
| Average earning assets | $716,669,000 | 856 |
| Average equity | $86,834,500 | 767 |
| Average total loans | $448,809,750 | 1,009 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1243% | 4,324 |
| Cost of funding earning assets | 1.1575% | 5,353 |
| Net interest margin | 3.9669% | 3,177 |
| Noninterest income to average assets | 1.4820% | 583 |
| Noninterest expense to average assets | 2.9333% | 3,947 |
| Loan and lease loss provision to assets | 0.5991% | 2,391 |
| Net operating income to assets | 0.7071% | 3,372 |
| Return on assets (ROA) | 0.9803% | 2,350 |
| Pretax return on assets | 1.3977% | 1,846 |
| Return on Equity (ROE) | 10.1782% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.1782% | 806 |
| Net charge-offs to loans | -0.1904% | 7,638 |
| Credit loss provision to net charge-offs | -629.5943% | 6,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3284% | 5,461 |
| Assets per employee ($millions) | 3.6323% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7300% | 1,055 |
| Loan loss allowance to noncurrent loans | 48.0624% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 3.0932% | 2,293 |
| Noncurrent loans to loans | 5.6801% | 1,150 |
| Net loans and leases to total assets | 45.3841% | 6,815 |
| Net loans and leases to deposits | 54.4718% | 6,828 |
| Net loans and leases to core deposits | 56.9217% | 6,890 |
| Total domestic deposits to total assets | 83.3166% | 4,433 |
| Equity capital to assets | 9.0310% | 5,398 |
| Core capital (leverage) ratio | 9.0599% | 4,508 |
| Tier 1 risk-based capital ratio | 17.2865% | 2,172 |
| Total risk-based capital ratio | 18.5511% | 2,134 |
| Memoranda: | ||
| Average total assets | $880,588,000 | 765 |
| Average earning assets | $696,517,670 | 887 |
| Average equity | $84,808,670 | 772 |
| Average total loans | $440,067,000 | 1,031 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1515% | 4,288 |
| Cost of funding earning assets | 1.1194% | 5,808 |
| Net interest margin | 4.0320% | 2,733 |
| Noninterest income to average assets | 0.9034% | 1,609 |
| Noninterest expense to average assets | 2.8283% | 4,380 |
| Loan and lease loss provision to assets | 0.8852% | 1,436 |
| Net operating income to assets | 0.2750% | 5,400 |
| Return on assets (ROA) | 0.9306% | 2,494 |
| Pretax return on assets | 1.1866% | 2,408 |
| Return on Equity (ROE) | 9.3262% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.3262% | 1,314 |
| Net charge-offs to loans | -0.7357% | 7,832 |
| Credit loss provision to net charge-offs | -231.8296% | 6,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4595% | 4,635 |
| Assets per employee ($millions) | 3.5997% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7622% | 1,027 |
| Loan loss allowance to noncurrent loans | 55.6986% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 3.0773% | 2,325 |
| Noncurrent loans to loans | 4.9593% | 1,465 |
| Net loans and leases to total assets | 50.1307% | 6,451 |
| Net loans and leases to deposits | 62.7434% | 6,204 |
| Net loans and leases to core deposits | 65.8014% | 6,302 |
| Total domestic deposits to total assets | 79.8980% | 5,818 |
| Equity capital to assets | 10.1156% | 3,728 |
| Core capital (leverage) ratio | 10.2679% | 2,846 |
| Tier 1 risk-based capital ratio | 19.4905% | 1,615 |
| Total risk-based capital ratio | 20.7550% | 1,589 |
| Memoranda: | ||
| Average total assets | $835,975,000 | 829 |
| Average earning assets | $668,544,000 | 945 |
| Average equity | $83,421,000 | 794 |
| Average total loans | $433,853,500 | 1,076 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6548% | 3,328 |
| Cost of funding earning assets | 1.1834% | 6,717 |
| Net interest margin | 4.4714% | 1,234 |
| Noninterest income to average assets | 1.5348% | 605 |
| Noninterest expense to average assets | 3.1703% | 3,476 |
| Loan and lease loss provision to assets | 0.8869% | 2,526 |
| Net operating income to assets | 0.8033% | 2,528 |
| Return on assets (ROA) | 2.5583% | 90 |
| Pretax return on assets | 3.0791% | 90 |
| Return on Equity (ROE) | 24.0129% | 107 |
| Retained earnings to average equity (ytd only) | 21.9146% | 32 |
| Net charge-offs to loans | 0.6530% | 3,231 |
| Credit loss provision to net charge-offs | 240.8337% | 1,487 |
| Earnings coverage of net charge-offs (x) | 5.7503% | 2,509 |
| Efficiency ratio | 59.9025% | 6,505 |
| Assets per employee ($millions) | 3.7533% | 4,387 |
| Cash dividends to net income (ytd only)* | 8.7382% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1355% | 1,760 |
| Loan loss allowance to noncurrent loans | 31.7151% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 4.0157% | 1,641 |
| Noncurrent loans to loans | 6.7334% | 873 |
| Net loans and leases to total assets | 51.1276% | 6,517 |
| Net loans and leases to deposits | 63.8301% | 6,289 |
| Net loans and leases to core deposits | 77.1779% | 6,326 |
| Total domestic deposits to total assets | 80.0995% | 5,643 |
| Equity capital to assets | 9.8413% | 3,954 |
| Core capital (leverage) ratio | 10.2308% | 2,849 |
| Tier 1 risk-based capital ratio | 19.6758% | 1,528 |
| Total risk-based capital ratio | 20.9368% | 1,485 |
| Memoranda: | ||
| Average total assets | $670,981,000 | 1,029 |
| Average earning assets | $563,204,200 | 1,119 |
| Average equity | $71,486,600 | 916 |
| Average total loans | $378,417,600 | 1,268 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6517% | 3,564 |
| Cost of funding earning assets | 1.1827% | 6,936 |
| Net interest margin | 4.4691% | 1,270 |
| Noninterest income to average assets | 1.5365% | 629 |
| Noninterest expense to average assets | 2.9871% | 4,099 |
| Loan and lease loss provision to assets | 0.7933% | 2,382 |
| Net operating income to assets | 1.0375% | 1,944 |
| Return on assets (ROA) | 1.1372% | 1,688 |
| Pretax return on assets | 1.7273% | 921 |
| Return on Equity (ROE) | 10.4115% | 1,784 |
| Retained earnings to average equity (ytd only) | 7.5070% | 1,313 |
| Net charge-offs to loans | 0.9328% | 2,104 |
| Credit loss provision to net charge-offs | 147.2135% | 3,289 |
| Earnings coverage of net charge-offs (x) | 4.3972% | 3,149 |
| Efficiency ratio | 55.7644% | 7,033 |
| Assets per employee ($millions) | 3.5957% | 4,701 |
| Cash dividends to net income (ytd only)* | 27.8966% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9459% | 1,912 |
| Loan loss allowance to noncurrent loans | 187.9754% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 1.0031% | 5,069 |
| Noncurrent loans to loans | 1.0352% | 5,241 |
| Net loans and leases to total assets | 54.9536% | 6,272 |
| Net loans and leases to deposits | 68.6493% | 6,071 |
| Net loans and leases to core deposits | 81.0795% | 6,263 |
| Total domestic deposits to total assets | 80.0498% | 5,413 |
| Equity capital to assets | 10.9648% | 3,046 |
| Core capital (leverage) ratio | 11.2831% | 2,199 |
| Tier 1 risk-based capital ratio | 16.2537% | 2,532 |
| Total risk-based capital ratio | 17.5037% | 2,476 |
| Memoranda: | ||
| Average total assets | $630,419,500 | 1,117 |
| Average earning assets | $538,887,500 | 1,184 |
| Average equity | $68,858,250 | 967 |
| Average total loans | $364,195,750 | 1,347 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6554% | 3,793 |
| Cost of funding earning assets | 1.2281% | 7,025 |
| Net interest margin | 4.4273% | 1,345 |
| Noninterest income to average assets | 1.4932% | 664 |
| Noninterest expense to average assets | 3.0763% | 3,790 |
| Loan and lease loss provision to assets | 0.6952% | 2,346 |
| Net operating income to assets | 1.0159% | 2,053 |
| Return on assets (ROA) | 1.0933% | 1,870 |
| Pretax return on assets | 1.6536% | 1,105 |
| Return on Equity (ROE) | 10.0224% | 2,015 |
| Retained earnings to average equity (ytd only) | 5.6292% | 2,192 |
| Net charge-offs to loans | 0.5376% | 2,719 |
| Credit loss provision to net charge-offs | 221.5886% | 2,073 |
| Earnings coverage of net charge-offs (x) | 7.1130% | 2,495 |
| Efficiency ratio | 57.9571% | 6,872 |
| Assets per employee ($millions) | 3.5678% | 4,647 |
| Cash dividends to net income (ytd only)* | 43.8340% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 1,662 |
| Loan loss allowance to noncurrent loans | 146.8986% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 4,626 |
| Noncurrent loans to loans | 1.3323% | 4,548 |
| Net loans and leases to total assets | 55.6095% | 6,252 |
| Net loans and leases to deposits | 72.1062% | 5,720 |
| Net loans and leases to core deposits | 86.5220% | 5,848 |
| Total domestic deposits to total assets | 77.1217% | 6,293 |
| Equity capital to assets | 11.1760% | 2,769 |
| Core capital (leverage) ratio | 11.2210% | 2,248 |
| Tier 1 risk-based capital ratio | 16.1653% | 2,564 |
| Total risk-based capital ratio | 17.4180% | 2,509 |
| Memoranda: | ||
| Average total assets | $626,018,330 | 1,140 |
| Average earning assets | $539,382,000 | 1,201 |
| Average equity | $68,287,000 | 982 |
| Average total loans | $365,356,670 | 1,365 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7146% | 3,722 |
| Cost of funding earning assets | 1.2827% | 7,070 |
| Net interest margin | 4.4319% | 1,269 |
| Noninterest income to average assets | 1.3869% | 733 |
| Noninterest expense to average assets | 2.6762% | 5,116 |
| Loan and lease loss provision to assets | 1.0333% | 1,269 |
| Net operating income to assets | 0.9515% | 2,510 |
| Return on assets (ROA) | 1.0994% | 2,093 |
| Pretax return on assets | 1.6577% | 1,276 |
| Return on Equity (ROE) | 10.2052% | 2,239 |
| Retained earnings to average equity (ytd only) | 5.7371% | 2,763 |
| Net charge-offs to loans | 0.5887% | 1,999 |
| Credit loss provision to net charge-offs | 296.5009% | 1,641 |
| Earnings coverage of net charge-offs (x) | 7.0792% | 2,395 |
| Efficiency ratio | 52.0339% | 7,414 |
| Assets per employee ($millions) | 3.7199% | 4,297 |
| Cash dividends to net income (ytd only)* | 43.7828% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 1,600 |
| Loan loss allowance to noncurrent loans | 147.4293% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 1.0005% | 4,697 |
| Noncurrent loans to loans | 1.2963% | 4,384 |
| Net loans and leases to total assets | 56.1874% | 6,215 |
| Net loans and leases to deposits | 73.1433% | 5,594 |
| Net loans and leases to core deposits | 87.3539% | 5,800 |
| Total domestic deposits to total assets | 76.8183% | 6,329 |
| Equity capital to assets | 10.9240% | 3,037 |
| Core capital (leverage) ratio | 11.1266% | 2,399 |
| Tier 1 risk-based capital ratio | 16.5362% | 2,500 |
| Total risk-based capital ratio | 17.7896% | 2,437 |
| Memoranda: | ||
| Average total assets | $623,274,000 | 1,141 |
| Average earning assets | $528,261,500 | 1,225 |
| Average equity | $67,142,000 | 1,006 |
| Average total loans | $368,941,000 | 1,368 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1332% | 4,877 |
| Cost of funding earning assets | 1.9440% | 6,601 |
| Net interest margin | 4.1892% | 2,356 |
| Noninterest income to average assets | 1.4998% | 621 |
| Noninterest expense to average assets | 3.0698% | 3,823 |
| Loan and lease loss provision to assets | 0.5541% | 2,600 |
| Net operating income to assets | 1.0827% | 2,216 |
| Return on assets (ROA) | 1.1939% | 1,724 |
| Pretax return on assets | 1.7966% | 953 |
| Return on Equity (ROE) | 11.3761% | 1,796 |
| Retained earnings to average equity (ytd only) | 9.0494% | 598 |
| Net charge-offs to loans | 0.0864% | 5,512 |
| Credit loss provision to net charge-offs | 1,019.1617% | 433 |
| Earnings coverage of net charge-offs (x) | 40.1347% | 931 |
| Efficiency ratio | 58.4496% | 6,612 |
| Assets per employee ($millions) | 3.6561% | 4,274 |
| Cash dividends to net income (ytd only)* | 20.4527% | 4,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 2,501 |
| Loan loss allowance to noncurrent loans | 150.4397% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 5,216 |
| Noncurrent loans to loans | 1.0234% | 4,538 |
| Net loans and leases to total assets | 60.1980% | 5,881 |
| Net loans and leases to deposits | 79.0185% | 5,190 |
| Net loans and leases to core deposits | 93.1550% | 5,530 |
| Total domestic deposits to total assets | 76.1822% | 6,200 |
| Equity capital to assets | 10.6183% | 3,370 |
| Core capital (leverage) ratio | 11.0788% | 2,527 |
| Tier 1 risk-based capital ratio | 16.0879% | 2,631 |
| Total risk-based capital ratio | 17.3381% | 2,572 |
| Memoranda: | ||
| Average total assets | $614,281,600 | 1,098 |
| Average earning assets | $550,205,600 | 1,118 |
| Average equity | $64,468,600 | 1,034 |
| Average total loans | $386,526,000 | 1,255 |