Home > First Fidelity Bank > Performance and Condition Ratios
First Fidelity Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 2,714 |
| Cost of funding earning assets | 2.0935% | 1,676 |
| Net interest margin | 3.1112% | 3,202 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 2.4063% | 2,563 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 0.7271% | 3,036 |
| Return on assets (ROA) | 0.7271% | 3,040 |
| Pretax return on assets | 0.9499% | 2,845 |
| Return on Equity (ROE) | 9.9800% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.9825% | 1,181 |
| Net charge-offs to loans | 0.0814% | 934 |
| Credit loss provision to net charge-offs | 124.3781% | 1,133 |
| Earnings coverage of net charge-offs (x) | 18.1169% | 1,464 |
| Efficiency ratio | 70.2309% | 1,783 |
| Assets per employee ($millions) | 8.4641% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 1,825 |
| Loan loss allowance to noncurrent loans | 232.2008% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 1,835 |
| Noncurrent loans to loans | 0.5480% | 1,762 |
| Net loans and leases to total assets | 67.7600% | 2,108 |
| Net loans and leases to deposits | 78.5548% | 2,183 |
| Net loans and leases to core deposits | 83.5144% | 2,498 |
| Total domestic deposits to total assets | 86.2600% | 2,214 |
| Equity capital to assets | 7.3889% | 3,900 |
| Core capital (leverage) ratio | 9.8278% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $2,856,182,500 | 443 |
| Average earning assets | $2,643,209,000 | 435 |
| Average equity | $208,043,500 | 571 |
| Average total loans | $1,976,229,000 | 449 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 2,854 |
| Cost of funding earning assets | 2.2250% | 1,684 |
| Net interest margin | 2.9165% | 3,293 |
| Noninterest income to average assets | 0.5800% | 1,577 |
| Noninterest expense to average assets | 2.2662% | 2,955 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.7604% | 2,800 |
| Return on assets (ROA) | 0.7604% | 2,818 |
| Pretax return on assets | 0.9885% | 2,560 |
| Return on Equity (ROE) | 10.8100% | 1,944 |
| Retained earnings to average equity (ytd only) | 9.3761% | 708 |
| Net charge-offs to loans | 0.0290% | 2,000 |
| Credit loss provision to net charge-offs | 164.2336% | 1,313 |
| Earnings coverage of net charge-offs (x) | 51.6259% | 1,200 |
| Efficiency ratio | 68.9414% | 2,129 |
| Assets per employee ($millions) | 8.0723% | 1,501 |
| Cash dividends to net income (ytd only)* | 13.2878% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 1,722 |
| Loan loss allowance to noncurrent loans | 292.7214% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 2,011 |
| Noncurrent loans to loans | 0.4403% | 1,963 |
| Net loans and leases to total assets | 68.8600% | 2,029 |
| Net loans and leases to deposits | 82.0193% | 1,953 |
| Net loans and leases to core deposits | 87.0876% | 2,322 |
| Total domestic deposits to total assets | 83.9600% | 2,795 |
| Equity capital to assets | 7.1756% | 3,903 |
| Core capital (leverage) ratio | 9.7993% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $2,771,034,200 | 445 |
| Average earning assets | $2,568,821,200 | 430 |
| Average equity | $194,877,600 | 586 |
| Average total loans | $1,889,878,800 | 449 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 2,881 |
| Cost of funding earning assets | 2.2477% | 1,641 |
| Net interest margin | 2.8426% | 3,378 |
| Noninterest income to average assets | 0.6000% | 1,465 |
| Noninterest expense to average assets | 2.2537% | 2,939 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.7120% | 2,959 |
| Return on assets (ROA) | 0.7120% | 2,978 |
| Pretax return on assets | 0.9664% | 2,641 |
| Return on Equity (ROE) | 10.1800% | 2,140 |
| Retained earnings to average equity (ytd only) | 8.7277% | 1,183 |
| Net charge-offs to loans | 0.0322% | 1,682 |
| Credit loss provision to net charge-offs | 66.3717% | 1,947 |
| Earnings coverage of net charge-offs (x) | 44.9447% | 1,264 |
| Efficiency ratio | 69.6764% | 2,058 |
| Assets per employee ($millions) | 8.3055% | 1,347 |
| Cash dividends to net income (ytd only)* | 14.2402% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 1,767 |
| Loan loss allowance to noncurrent loans | 283.3658% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 1,970 |
| Noncurrent loans to loans | 0.4550% | 1,945 |
| Net loans and leases to total assets | 67.3000% | 2,172 |
| Net loans and leases to deposits | 78.3906% | 2,323 |
| Net loans and leases to core deposits | 83.0514% | 2,626 |
| Total domestic deposits to total assets | 85.8500% | 1,988 |
| Equity capital to assets | 7.5961% | 3,922 |
| Core capital (leverage) ratio | 9.6595% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $2,761,499,000 | 440 |
| Average earning assets | $2,562,252,750 | 427 |
| Average equity | $193,203,500 | 586 |
| Average total loans | $1,872,402,500 | 447 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 2,844 |
| Cost of funding earning assets | 2.2348% | 1,576 |
| Net interest margin | 2.8246% | 3,381 |
| Noninterest income to average assets | 0.5500% | 1,634 |
| Noninterest expense to average assets | 2.2460% | 2,958 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.6932% | 2,950 |
| Return on assets (ROA) | 0.6932% | 2,974 |
| Pretax return on assets | 0.9148% | 2,727 |
| Return on Equity (ROE) | 10.2100% | 2,110 |
| Retained earnings to average equity (ytd only) | 8.7047% | 1,166 |
| Net charge-offs to loans | 0.0255% | 1,641 |
| Credit loss provision to net charge-offs | 42.1941% | 1,867 |
| Earnings coverage of net charge-offs (x) | 53.3671% | 1,071 |
| Efficiency ratio | 70.8954% | 1,996 |
| Assets per employee ($millions) | 8.0713% | 1,417 |
| Cash dividends to net income (ytd only)* | 14.7229% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 1,662 |
| Loan loss allowance to noncurrent loans | 299.9152% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 1,909 |
| Noncurrent loans to loans | 0.4391% | 1,896 |
| Net loans and leases to total assets | 67.2300% | 2,203 |
| Net loans and leases to deposits | 79.3059% | 2,263 |
| Net loans and leases to core deposits | 83.6786% | 2,551 |
| Total domestic deposits to total assets | 84.7800% | 2,371 |
| Equity capital to assets | 6.9346% | 3,965 |
| Core capital (leverage) ratio | 9.5536% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $2,743,472,000 | 442 |
| Average earning assets | $2,546,776,333 | 429 |
| Average equity | $186,313,000 | 605 |
| Average total loans | $1,856,671,333 | 450 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 2,831 |
| Cost of funding earning assets | 2.1799% | 1,590 |
| Net interest margin | 2.7926% | 3,382 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 2.3391% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5988% | 3,151 |
| Return on assets (ROA) | 0.5988% | 3,178 |
| Pretax return on assets | 0.7933% | 2,943 |
| Return on Equity (ROE) | 8.9100% | 2,416 |
| Retained earnings to average equity (ytd only) | 7.3880% | 1,710 |
| Net charge-offs to loans | 0.0160% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 73.2973% | 808 |
| Efficiency ratio | 74.6755% | 1,675 |
| Assets per employee ($millions) | 8.0601% | 1,417 |
| Cash dividends to net income (ytd only)* | 17.0982% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 1,596 |
| Loan loss allowance to noncurrent loans | 376.5964% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 2,079 |
| Noncurrent loans to loans | 0.3566% | 2,057 |
| Net loans and leases to total assets | 66.7500% | 2,149 |
| Net loans and leases to deposits | 78.5574% | 2,184 |
| Net loans and leases to core deposits | 82.3635% | 2,545 |
| Total domestic deposits to total assets | 84.9700% | 2,413 |
| Equity capital to assets | 6.7148% | 4,017 |
| Core capital (leverage) ratio | 9.3785% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,735,014,500 | 445 |
| Average earning assets | $2,544,557,000 | 433 |
| Average equity | $183,758,500 | 612 |
| Average total loans | $1,844,663,500 | 459 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 2,842 |
| Cost of funding earning assets | 1.7412% | 1,373 |
| Net interest margin | 2.8823% | 3,520 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.2198% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9126% | 2,507 |
| Return on assets (ROA) | 0.9126% | 2,476 |
| Pretax return on assets | 1.1090% | 2,387 |
| Return on Equity (ROE) | 14.7500% | 1,331 |
| Retained earnings to average equity (ytd only) | 13.3686% | 466 |
| Net charge-offs to loans | 0.0107% | 2,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 158.9421% | 684 |
| Efficiency ratio | 66.6843% | 2,261 |
| Assets per employee ($millions) | 8.0283% | 1,419 |
| Cash dividends to net income (ytd only)* | 9.3561% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,571 |
| Loan loss allowance to noncurrent loans | 447.9137% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,123 |
| Noncurrent loans to loans | 0.3021% | 2,102 |
| Net loans and leases to total assets | 66.3200% | 2,224 |
| Net loans and leases to deposits | 79.3848% | 2,158 |
| Net loans and leases to core deposits | 83.8127% | 2,466 |
| Total domestic deposits to total assets | 83.5400% | 2,745 |
| Equity capital to assets | 6.7227% | 4,042 |
| Core capital (leverage) ratio | 9.2935% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2961% | 2,133 |
| Memoranda: | ||
| Average total assets | $2,723,016,000 | 428 |
| Average earning assets | $2,527,023,600 | 418 |
| Average equity | $168,492,400 | 617 |
| Average total loans | $1,781,574,000 | 447 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 2,875 |
| Cost of funding earning assets | 1.6226% | 1,331 |
| Net interest margin | 2.8934% | 3,561 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.2593% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8346% | 2,917 |
| Return on assets (ROA) | 0.8346% | 2,899 |
| Pretax return on assets | 1.1082% | 2,546 |
| Return on Equity (ROE) | 13.7900% | 1,709 |
| Retained earnings to average equity (ytd only) | 12.6344% | 864 |
| Net charge-offs to loans | 0.0340% | 1,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 50.2289% | 1,313 |
| Efficiency ratio | 67.0908% | 2,131 |
| Assets per employee ($millions) | 7.7370% | 1,486 |
| Cash dividends to net income (ytd only)* | 8.3710% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 1,589 |
| Loan loss allowance to noncurrent loans | 412.7282% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 2,061 |
| Noncurrent loans to loans | 0.3316% | 2,043 |
| Net loans and leases to total assets | 65.5900% | 2,279 |
| Net loans and leases to deposits | 76.0026% | 2,415 |
| Net loans and leases to core deposits | 79.3865% | 2,645 |
| Total domestic deposits to total assets | 86.3000% | 2,104 |
| Equity capital to assets | 5.7756% | 4,060 |
| Core capital (leverage) ratio | 9.1277% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9454% | 2,284 |
| Memoranda: | ||
| Average total assets | $2,719,358,250 | 431 |
| Average earning assets | $2,518,660,500 | 419 |
| Average equity | $164,604,500 | 622 |
| Average total loans | $1,766,835,250 | 448 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 2,819 |
| Cost of funding earning assets | 1.5139% | 1,215 |
| Net interest margin | 2.9128% | 3,625 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.2577% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8065% | 3,060 |
| Return on assets (ROA) | 0.8065% | 3,068 |
| Pretax return on assets | 1.0771% | 2,700 |
| Return on Equity (ROE) | 13.1200% | 1,875 |
| Retained earnings to average equity (ytd only) | 12.1382% | 954 |
| Net charge-offs to loans | 0.0428% | 1,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 39.0053% | 1,417 |
| Efficiency ratio | 67.7003% | 2,013 |
| Assets per employee ($millions) | 7.7377% | 1,449 |
| Cash dividends to net income (ytd only)* | 7.5130% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 1,569 |
| Loan loss allowance to noncurrent loans | 309.7231% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 1,675 |
| Noncurrent loans to loans | 0.4484% | 1,597 |
| Net loans and leases to total assets | 64.6200% | 2,317 |
| Net loans and leases to deposits | 75.8968% | 2,324 |
| Net loans and leases to core deposits | 79.2781% | 2,524 |
| Total domestic deposits to total assets | 85.1500% | 2,502 |
| Equity capital to assets | 6.1726% | 4,106 |
| Core capital (leverage) ratio | 8.9452% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8799% | 2,340 |
| Memoranda: | ||
| Average total assets | $2,723,159,000 | 420 |
| Average earning assets | $2,521,417,333 | 409 |
| Average equity | $167,339,000 | 613 |
| Average total loans | $1,755,483,667 | 437 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 2,676 |
| Cost of funding earning assets | 1.3328% | 1,163 |
| Net interest margin | 3.0182% | 3,552 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.3870% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7801% | 3,252 |
| Return on assets (ROA) | 0.7801% | 3,208 |
| Pretax return on assets | 1.0368% | 2,896 |
| Return on Equity (ROE) | 12.7200% | 2,042 |
| Retained earnings to average equity (ytd only) | 10.7497% | 1,528 |
| Net charge-offs to loans | 0.0131% | 1,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 694 |
| Efficiency ratio | 69.7172% | 1,772 |
| Assets per employee ($millions) | 8.1203% | 1,282 |
| Cash dividends to net income (ytd only)* | 15.5134% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,491 |
| Loan loss allowance to noncurrent loans | 289.7130% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 1,514 |
| Noncurrent loans to loans | 0.4945% | 1,482 |
| Net loans and leases to total assets | 63.3300% | 2,318 |
| Net loans and leases to deposits | 74.7564% | 2,234 |
| Net loans and leases to core deposits | 76.9238% | 2,466 |
| Total domestic deposits to total assets | 84.7100% | 2,927 |
| Equity capital to assets | 6.3556% | 4,077 |
| Core capital (leverage) ratio | 8.7016% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8667% | 2,443 |
| Memoranda: | ||
| Average total assets | $2,726,778,000 | 432 |
| Average earning assets | $2,523,918,500 | 422 |
| Average equity | $167,186,500 | 624 |
| Average total loans | $1,743,305,000 | 444 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 2,611 |
| Cost of funding earning assets | 0.4429% | 1,775 |
| Net interest margin | 3.2276% | 2,778 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.1292% | 3,222 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1619% | 1,928 |
| Return on assets (ROA) | 1.1628% | 1,857 |
| Pretax return on assets | 1.4824% | 1,509 |
| Return on Equity (ROE) | 18.0300% | 698 |
| Retained earnings to average equity (ytd only) | 16.7970% | 182 |
| Net charge-offs to loans | -0.0248% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.0800% | 3,329 |
| Assets per employee ($millions) | 7.9920% | 1,325 |
| Cash dividends to net income (ytd only)* | 6.8441% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,361 |
| Loan loss allowance to noncurrent loans | 283.7083% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 1,482 |
| Noncurrent loans to loans | 0.5087% | 1,431 |
| Net loans and leases to total assets | 62.7000% | 2,358 |
| Net loans and leases to deposits | 74.6374% | 2,202 |
| Net loans and leases to core deposits | 75.3062% | 2,477 |
| Total domestic deposits to total assets | 84.0100% | 3,203 |
| Equity capital to assets | 5.9081% | 4,125 |
| Core capital (leverage) ratio | 8.6000% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6504% | 2,509 |
| Memoranda: | ||
| Average total assets | $2,701,583,000 | 425 |
| Average earning assets | $2,521,943,400 | 415 |
| Average equity | $174,221,600 | 593 |
| Average total loans | $1,612,609,000 | 445 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4873% | 2,656 |
| Cost of funding earning assets | 0.3073% | 2,087 |
| Net interest margin | 3.1800% | 2,684 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.1228% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1253% | 1,983 |
| Return on assets (ROA) | 1.1265% | 1,948 |
| Pretax return on assets | 1.4871% | 1,452 |
| Return on Equity (ROE) | 17.1000% | 776 |
| Retained earnings to average equity (ytd only) | 15.9765% | 277 |
| Net charge-offs to loans | -0.0355% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.8291% | 3,281 |
| Assets per employee ($millions) | 7.8827% | 1,382 |
| Cash dividends to net income (ytd only)* | 6.5911% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 1,625 |
| Loan loss allowance to noncurrent loans | 287.8932% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 1,645 |
| Noncurrent loans to loans | 0.4844% | 1,590 |
| Net loans and leases to total assets | 62.1100% | 2,274 |
| Net loans and leases to deposits | 68.9917% | 2,453 |
| Net loans and leases to core deposits | 69.4512% | 2,685 |
| Total domestic deposits to total assets | 90.0200% | 1,651 |
| Equity capital to assets | 5.5049% | 4,129 |
| Core capital (leverage) ratio | 8.4886% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5235% | 2,647 |
| Memoranda: | ||
| Average total assets | $2,693,664,250 | 427 |
| Average earning assets | $2,521,817,500 | 414 |
| Average equity | $177,406,250 | 589 |
| Average total loans | $1,581,043,500 | 450 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3213% | 2,668 |
| Cost of funding earning assets | 0.2325% | 2,473 |
| Net interest margin | 3.0888% | 2,568 |
| Noninterest income to average assets | 0.6516% | 1,533 |
| Noninterest expense to average assets | 2.0704% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1311% | 1,659 |
| Return on assets (ROA) | 1.1328% | 1,631 |
| Pretax return on assets | 1.4834% | 1,218 |
| Return on Equity (ROE) | 16.3104% | 659 |
| Retained earnings to average equity (ytd only) | 15.2422% | 245 |
| Net charge-offs to loans | -0.0512% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2949% | 3,518 |
| Assets per employee ($millions) | 7.8327% | 1,392 |
| Cash dividends to net income (ytd only)* | 6.5496% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 1,489 |
| Loan loss allowance to noncurrent loans | 298.1671% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 1,732 |
| Noncurrent loans to loans | 0.4930% | 1,641 |
| Net loans and leases to total assets | 59.7196% | 2,357 |
| Net loans and leases to deposits | 67.3874% | 2,437 |
| Net loans and leases to core deposits | 67.9807% | 2,656 |
| Total domestic deposits to total assets | 88.6213% | 2,327 |
| Equity capital to assets | 6.1803% | 4,144 |
| Core capital (leverage) ratio | 8.2362% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8972% | 2,535 |
| Memoranda: | ||
| Average total assets | $2,695,548,000 | 427 |
| Average earning assets | $2,530,734,667 | 412 |
| Average equity | $187,217,667 | 570 |
| Average total loans | $1,543,684,667 | 453 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1517% | 2,822 |
| Cost of funding earning assets | 0.1903% | 2,947 |
| Net interest margin | 2.9614% | 2,632 |
| Noninterest income to average assets | 0.6095% | 1,657 |
| Noninterest expense to average assets | 1.9460% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1350% | 1,425 |
| Return on assets (ROA) | 1.1350% | 1,418 |
| Pretax return on assets | 1.4558% | 1,113 |
| Return on Equity (ROE) | 15.5103% | 583 |
| Retained earnings to average equity (ytd only) | 14.5053% | 327 |
| Net charge-offs to loans | -0.0481% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2052% | 3,760 |
| Assets per employee ($millions) | 8.5184% | 1,105 |
| Cash dividends to net income (ytd only)* | 6.4792% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 1,439 |
| Loan loss allowance to noncurrent loans | 817.8796% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 2,924 |
| Noncurrent loans to loans | 0.1877% | 2,880 |
| Net loans and leases to total assets | 54.4918% | 2,696 |
| Net loans and leases to deposits | 61.3464% | 2,770 |
| Net loans and leases to core deposits | 61.8774% | 2,980 |
| Total domestic deposits to total assets | 88.8265% | 2,156 |
| Equity capital to assets | 6.4457% | 4,447 |
| Core capital (leverage) ratio | 7.9449% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1738% | 2,542 |
| Memoranda: | ||
| Average total assets | $2,719,593,500 | 423 |
| Average earning assets | $2,564,351,000 | 412 |
| Average equity | $199,016,500 | 548 |
| Average total loans | $1,513,207,000 | 458 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 2,209 |
| Cost of funding earning assets | 0.2207% | 3,248 |
| Net interest margin | 3.4437% | 1,897 |
| Noninterest income to average assets | 0.7372% | 1,632 |
| Noninterest expense to average assets | 2.1477% | 3,237 |
| Loan and lease loss provision to assets | 0.0202% | 2,664 |
| Net operating income to assets | 1.4068% | 1,256 |
| Return on assets (ROA) | 1.4068% | 1,315 |
| Pretax return on assets | 1.7885% | 940 |
| Return on Equity (ROE) | 16.7742% | 626 |
| Retained earnings to average equity (ytd only) | 16.4847% | 146 |
| Net charge-offs to loans | -0.0339% | 4,166 |
| Credit loss provision to net charge-offs | -97.2763% | 3,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2841% | 3,902 |
| Assets per employee ($millions) | 8.3080% | 1,169 |
| Cash dividends to net income (ytd only)* | 1.7257% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,416 |
| Loan loss allowance to noncurrent loans | 758.1890% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 2,986 |
| Noncurrent loans to loans | 0.2034% | 2,936 |
| Net loans and leases to total assets | 55.1722% | 2,715 |
| Net loans and leases to deposits | 63.1552% | 2,769 |
| Net loans and leases to core deposits | 63.7883% | 2,999 |
| Total domestic deposits to total assets | 87.3598% | 2,355 |
| Equity capital to assets | 8.0933% | 4,312 |
| Core capital (leverage) ratio | 7.9795% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0913% | 2,598 |
| Memoranda: | ||
| Average total assets | $2,471,452,000 | 440 |
| Average earning assets | $2,310,313,800 | 433 |
| Average equity | $207,276,600 | 520 |
| Average total loans | $1,517,226,200 | 467 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 2,258 |
| Cost of funding earning assets | 0.2309% | 3,319 |
| Net interest margin | 3.4759% | 1,937 |
| Noninterest income to average assets | 0.6884% | 1,866 |
| Noninterest expense to average assets | 2.1225% | 3,300 |
| Loan and lease loss provision to assets | 0.0276% | 2,441 |
| Net operating income to assets | 1.3052% | 1,812 |
| Return on assets (ROA) | 1.3052% | 1,868 |
| Pretax return on assets | 1.7744% | 1,225 |
| Return on Equity (ROE) | 15.4124% | 1,059 |
| Retained earnings to average equity (ytd only) | 15.0218% | 393 |
| Net charge-offs to loans | -0.0141% | 3,823 |
| Credit loss provision to net charge-offs | -310.5590% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0837% | 3,804 |
| Assets per employee ($millions) | 7.9440% | 1,298 |
| Cash dividends to net income (ytd only)* | 2.5344% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,568 |
| Loan loss allowance to noncurrent loans | 562.4230% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 2,908 |
| Noncurrent loans to loans | 0.2696% | 2,839 |
| Net loans and leases to total assets | 57.4597% | 2,565 |
| Net loans and leases to deposits | 65.9811% | 2,629 |
| Net loans and leases to core deposits | 66.6807% | 2,894 |
| Total domestic deposits to total assets | 87.0850% | 2,323 |
| Equity capital to assets | 8.2559% | 4,380 |
| Core capital (leverage) ratio | 7.8383% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6683% | 2,813 |
| Memoranda: | ||
| Average total assets | $2,418,442,000 | 452 |
| Average earning assets | $2,251,611,500 | 447 |
| Average equity | $204,799,750 | 530 |
| Average total loans | $1,520,599,000 | 473 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 2,058 |
| Cost of funding earning assets | 0.2392% | 3,381 |
| Net interest margin | 3.5636% | 1,674 |
| Noninterest income to average assets | 0.7061% | 1,785 |
| Noninterest expense to average assets | 2.1506% | 3,240 |
| Loan and lease loss provision to assets | 0.0423% | 2,166 |
| Net operating income to assets | 1.5037% | 1,276 |
| Return on assets (ROA) | 1.5037% | 1,342 |
| Pretax return on assets | 1.8228% | 1,183 |
| Return on Equity (ROE) | 17.5966% | 699 |
| Retained earnings to average equity (ytd only) | 17.0026% | 271 |
| Net charge-offs to loans | 0.0013% | 2,184 |
| Credit loss provision to net charge-offs | 5,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 2,204.6000% | 45 |
| Efficiency ratio | 53.5541% | 3,860 |
| Assets per employee ($millions) | 7.5403% | 1,457 |
| Cash dividends to net income (ytd only)* | 3.3757% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 1,640 |
| Loan loss allowance to noncurrent loans | 463.7684% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,834 |
| Noncurrent loans to loans | 0.3205% | 2,768 |
| Net loans and leases to total assets | 59.8460% | 2,445 |
| Net loans and leases to deposits | 68.8822% | 2,529 |
| Net loans and leases to core deposits | 69.9307% | 2,791 |
| Total domestic deposits to total assets | 86.8817% | 2,390 |
| Equity capital to assets | 8.3418% | 4,333 |
| Core capital (leverage) ratio | 7.8433% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,363,990,667 | 456 |
| Average earning assets | $2,195,562,333 | 455 |
| Average equity | $202,016,333 | 532 |
| Average total loans | $1,525,355,000 | 474 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7239% | 2,300 |
| Cost of funding earning assets | 0.2472% | 3,502 |
| Net interest margin | 3.4767% | 1,893 |
| Noninterest income to average assets | 0.6790% | 1,930 |
| Noninterest expense to average assets | 2.2215% | 3,040 |
| Loan and lease loss provision to assets | 0.0873% | 1,510 |
| Net operating income to assets | 1.5876% | 1,149 |
| Return on assets (ROA) | 1.5876% | 1,200 |
| Pretax return on assets | 1.5876% | 1,766 |
| Return on Equity (ROE) | 18.3381% | 684 |
| Retained earnings to average equity (ytd only) | 18.3381% | 346 |
| Net charge-offs to loans | 0.0236% | 1,276 |
| Credit loss provision to net charge-offs | 555.5556% | 568 |
| Earnings coverage of net charge-offs (x) | 106.5667% | 596 |
| Efficiency ratio | 57.0142% | 3,423 |
| Assets per employee ($millions) | 7.1614% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 1,703 |
| Loan loss allowance to noncurrent loans | 445.6303% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 2,920 |
| Noncurrent loans to loans | 0.3297% | 2,912 |
| Net loans and leases to total assets | 62.9476% | 2,175 |
| Net loans and leases to deposits | 72.8341% | 2,230 |
| Net loans and leases to core deposits | 73.9963% | 2,513 |
| Total domestic deposits to total assets | 86.4261% | 2,559 |
| Equity capital to assets | 8.4165% | 4,184 |
| Core capital (leverage) ratio | 8.1594% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,290,534,000 | 463 |
| Average earning assets | $2,119,706,000 | 460 |
| Average equity | $198,297,500 | 532 |
| Average total loans | $1,525,360,000 | 472 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 3,086 |
| Cost of funding earning assets | 0.3859% | 3,671 |
| Net interest margin | 3.4922% | 2,499 |
| Noninterest income to average assets | 0.7553% | 1,671 |
| Noninterest expense to average assets | 2.4937% | 2,867 |
| Loan and lease loss provision to assets | 0.3711% | 886 |
| Net operating income to assets | 1.1364% | 1,778 |
| Return on assets (ROA) | 1.1552% | 1,829 |
| Pretax return on assets | 1.1552% | 2,494 |
| Return on Equity (ROE) | 12.4812% | 1,180 |
| Retained earnings to average equity (ytd only) | 7.2605% | 1,294 |
| Net charge-offs to loans | 0.0327% | 2,386 |
| Credit loss provision to net charge-offs | 1,651.8847% | 511 |
| Earnings coverage of net charge-offs (x) | 67.0976% | 1,002 |
| Efficiency ratio | 61.9816% | 3,138 |
| Assets per employee ($millions) | 6.3778% | 2,020 |
| Cash dividends to net income (ytd only)* | 41.8284% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 1,709 |
| Loan loss allowance to noncurrent loans | 348.3977% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 2,682 |
| Noncurrent loans to loans | 0.4206% | 2,715 |
| Net loans and leases to total assets | 68.5700% | 1,753 |
| Net loans and leases to deposits | 79.8295% | 1,882 |
| Net loans and leases to core deposits | 81.2259% | 2,254 |
| Total domestic deposits to total assets | 85.8956% | 2,407 |
| Equity capital to assets | 8.9236% | 4,124 |
| Core capital (leverage) ratio | 8.1660% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,007,388,800 | 475 |
| Average earning assets | $1,865,764,400 | 471 |
| Average equity | $185,799,200 | 546 |
| Average total loans | $1,379,696,000 | 488 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 3,388 |
| Cost of funding earning assets | 0.4238% | 3,677 |
| Net interest margin | 3.4339% | 2,800 |
| Noninterest income to average assets | 0.7466% | 1,658 |
| Noninterest expense to average assets | 2.4563% | 2,972 |
| Loan and lease loss provision to assets | 0.3697% | 1,003 |
| Net operating income to assets | 1.1158% | 1,931 |
| Return on assets (ROA) | 1.1158% | 2,051 |
| Pretax return on assets | 1.1158% | 2,693 |
| Return on Equity (ROE) | 11.9368% | 1,388 |
| Retained earnings to average equity (ytd only) | 7.3650% | 1,557 |
| Net charge-offs to loans | -0.0135% | 4,302 |
| Credit loss provision to net charge-offs | -4,007.3529% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8413% | 3,102 |
| Assets per employee ($millions) | 6.1643% | 2,123 |
| Cash dividends to net income (ytd only)* | 38.3002% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,893 |
| Loan loss allowance to noncurrent loans | 265.5159% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 2,537 |
| Noncurrent loans to loans | 0.5143% | 2,514 |
| Net loans and leases to total assets | 70.9424% | 1,825 |
| Net loans and leases to deposits | 84.1675% | 1,892 |
| Net loans and leases to core deposits | 84.9947% | 2,382 |
| Total domestic deposits to total assets | 84.2872% | 2,720 |
| Equity capital to assets | 9.0232% | 4,104 |
| Core capital (leverage) ratio | 8.3021% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,965,527,000 | 474 |
| Average earning assets | $1,828,941,000 | 470 |
| Average equity | $183,730,500 | 541 |
| Average total loans | $1,346,253,750 | 488 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 3,575 |
| Cost of funding earning assets | 0.4893% | 3,595 |
| Net interest margin | 3.4253% | 3,022 |
| Noninterest income to average assets | 0.7291% | 1,644 |
| Noninterest expense to average assets | 2.5241% | 2,900 |
| Loan and lease loss provision to assets | 0.3132% | 1,375 |
| Net operating income to assets | 1.0779% | 2,043 |
| Return on assets (ROA) | 1.0779% | 2,167 |
| Pretax return on assets | 1.0779% | 2,782 |
| Return on Equity (ROE) | 11.3861% | 1,519 |
| Retained earnings to average equity (ytd only) | 9.4013% | 909 |
| Net charge-offs to loans | -0.0272% | 4,501 |
| Credit loss provision to net charge-offs | -1,714.2857% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9818% | 2,829 |
| Assets per employee ($millions) | 6.0715% | 2,119 |
| Cash dividends to net income (ytd only)* | 17.4317% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,085 |
| Loan loss allowance to noncurrent loans | 224.7459% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 2,584 |
| Noncurrent loans to loans | 0.5710% | 2,446 |
| Net loans and leases to total assets | 67.7943% | 2,389 |
| Net loans and leases to deposits | 80.5421% | 2,366 |
| Net loans and leases to core deposits | 81.3973% | 2,828 |
| Total domestic deposits to total assets | 84.1725% | 2,690 |
| Equity capital to assets | 9.0680% | 4,026 |
| Core capital (leverage) ratio | 8.4561% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,915,914,667 | 476 |
| Average earning assets | $1,782,127,333 | 473 |
| Average equity | $181,379,333 | 546 |
| Average total loans | $1,288,089,333 | 501 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 3,600 |
| Cost of funding earning assets | 0.6604% | 3,113 |
| Net interest margin | 3.4116% | 3,263 |
| Noninterest income to average assets | 0.7661% | 1,408 |
| Noninterest expense to average assets | 2.5904% | 3,005 |
| Loan and lease loss provision to assets | 0.0982% | 2,454 |
| Net operating income to assets | 1.2391% | 1,408 |
| Return on assets (ROA) | 1.2391% | 1,510 |
| Pretax return on assets | 1.2391% | 2,072 |
| Return on Equity (ROE) | 12.7827% | 918 |
| Retained earnings to average equity (ytd only) | 12.7827% | 341 |
| Net charge-offs to loans | -0.0999% | 4,815 |
| Credit loss provision to net charge-offs | -148.0263% | 3,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4404% | 3,035 |
| Assets per employee ($millions) | 5.6436% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,234 |
| Loan loss allowance to noncurrent loans | 242.3054% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 2,879 |
| Noncurrent loans to loans | 0.5287% | 2,675 |
| Net loans and leases to total assets | 65.7260% | 2,848 |
| Net loans and leases to deposits | 78.8029% | 2,797 |
| Net loans and leases to core deposits | 79.7588% | 3,216 |
| Total domestic deposits to total assets | 83.4055% | 2,979 |
| Equity capital to assets | 9.5251% | 4,195 |
| Core capital (leverage) ratio | 9.1477% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,832,605,000 | 480 |
| Average earning assets | $1,698,347,000 | 478 |
| Average equity | $177,647,000 | 551 |
| Average total loans | $1,217,037,000 | 505 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 3,638 |
| Cost of funding earning assets | 0.8949% | 2,210 |
| Net interest margin | 3.3680% | 3,833 |
| Noninterest income to average assets | 0.9236% | 1,134 |
| Noninterest expense to average assets | 2.7022% | 2,878 |
| Loan and lease loss provision to assets | 0.0933% | 2,168 |
| Net operating income to assets | 1.2259% | 1,959 |
| Return on assets (ROA) | 1.2252% | 2,055 |
| Pretax return on assets | 1.2252% | 2,748 |
| Return on Equity (ROE) | 12.6361% | 1,287 |
| Retained earnings to average equity (ytd only) | 7.5220% | 1,163 |
| Net charge-offs to loans | 0.0096% | 3,341 |
| Credit loss provision to net charge-offs | 1,467.8899% | 242 |
| Earnings coverage of net charge-offs (x) | 207.4679% | 387 |
| Efficiency ratio | 66.6618% | 2,669 |
| Assets per employee ($millions) | 5.3969% | 2,151 |
| Cash dividends to net income (ytd only)* | 40.4723% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,042 |
| Loan loss allowance to noncurrent loans | 407.9549% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 3,422 |
| Noncurrent loans to loans | 0.3126% | 3,322 |
| Net loans and leases to total assets | 65.3902% | 3,028 |
| Net loans and leases to deposits | 78.8806% | 2,919 |
| Net loans and leases to core deposits | 79.8729% | 3,299 |
| Total domestic deposits to total assets | 82.8977% | 3,233 |
| Equity capital to assets | 9.8689% | 4,040 |
| Core capital (leverage) ratio | 9.0886% | 4,455 |
| Tier 1 risk-based capital ratio | 12.0216% | 4,355 |
| Total risk-based capital ratio | 13.2288% | 4,250 |
| Memoranda: | ||
| Average total assets | $1,714,142,400 | 494 |
| Average earning assets | $1,576,625,000 | 491 |
| Average equity | $166,206,400 | 555 |
| Average total loans | $1,135,464,400 | 514 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 3,714 |
| Cost of funding earning assets | 0.9331% | 2,072 |
| Net interest margin | 3.3474% | 3,994 |
| Noninterest income to average assets | 0.9222% | 1,098 |
| Noninterest expense to average assets | 2.7205% | 2,808 |
| Loan and lease loss provision to assets | 0.0905% | 2,093 |
| Net operating income to assets | 1.1857% | 2,247 |
| Return on assets (ROA) | 1.1847% | 2,331 |
| Pretax return on assets | 1.1847% | 3,030 |
| Return on Equity (ROE) | 12.2766% | 1,523 |
| Retained earnings to average equity (ytd only) | 7.2997% | 1,712 |
| Net charge-offs to loans | 0.0191% | 2,738 |
| Credit loss provision to net charge-offs | 714.2857% | 466 |
| Earnings coverage of net charge-offs (x) | 100.6776% | 750 |
| Efficiency ratio | 67.5263% | 2,495 |
| Assets per employee ($millions) | 5.3494% | 2,174 |
| Cash dividends to net income (ytd only)* | 40.5396% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 2,022 |
| Loan loss allowance to noncurrent loans | 448.8991% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 3,655 |
| Noncurrent loans to loans | 0.2870% | 3,511 |
| Net loans and leases to total assets | 63.5219% | 3,335 |
| Net loans and leases to deposits | 76.3048% | 3,263 |
| Net loans and leases to core deposits | 77.2604% | 3,609 |
| Total domestic deposits to total assets | 83.2477% | 3,082 |
| Equity capital to assets | 9.7368% | 4,257 |
| Core capital (leverage) ratio | 9.1777% | 4,500 |
| Tier 1 risk-based capital ratio | 12.3404% | 4,242 |
| Total risk-based capital ratio | 13.5652% | 4,130 |
| Memoranda: | ||
| Average total assets | $1,693,387,250 | 503 |
| Average earning assets | $1,555,372,250 | 496 |
| Average equity | $163,418,000 | 564 |
| Average total loans | $1,121,743,500 | 519 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 3,648 |
| Cost of funding earning assets | 0.9601% | 1,862 |
| Net interest margin | 3.3351% | 4,065 |
| Noninterest income to average assets | 0.9302% | 1,005 |
| Noninterest expense to average assets | 2.7049% | 2,887 |
| Loan and lease loss provision to assets | 0.1379% | 1,339 |
| Net operating income to assets | 1.1477% | 2,333 |
| Return on assets (ROA) | 1.1463% | 2,415 |
| Pretax return on assets | 1.1463% | 3,091 |
| Return on Equity (ROE) | 11.9160% | 1,607 |
| Retained earnings to average equity (ytd only) | 5.9318% | 2,314 |
| Net charge-offs to loans | 0.0418% | 2,062 |
| Credit loss provision to net charge-offs | 493.5622% | 610 |
| Earnings coverage of net charge-offs (x) | 46.0086% | 1,157 |
| Efficiency ratio | 67.2327% | 2,652 |
| Assets per employee ($millions) | 5.2287% | 2,226 |
| Cash dividends to net income (ytd only)* | 50.2197% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 1,996 |
| Loan loss allowance to noncurrent loans | 300.3496% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 3,195 |
| Noncurrent loans to loans | 0.4342% | 2,976 |
| Net loans and leases to total assets | 65.6503% | 3,152 |
| Net loans and leases to deposits | 76.5512% | 3,282 |
| Net loans and leases to core deposits | 77.5908% | 3,609 |
| Total domestic deposits to total assets | 85.7600% | 2,153 |
| Equity capital to assets | 9.9514% | 4,015 |
| Core capital (leverage) ratio | 9.3344% | 4,328 |
| Tier 1 risk-based capital ratio | 12.1830% | 4,309 |
| Total risk-based capital ratio | 13.4202% | 4,205 |
| Memoranda: | ||
| Average total assets | $1,667,637,670 | 506 |
| Average earning assets | $1,530,266,670 | 499 |
| Average equity | $160,422,670 | 572 |
| Average total loans | $1,115,851,000 | 521 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 3,243 |
| Cost of funding earning assets | 0.9570% | 1,760 |
| Net interest margin | 3.4389% | 3,780 |
| Noninterest income to average assets | 0.8906% | 1,061 |
| Noninterest expense to average assets | 2.7141% | 2,867 |
| Loan and lease loss provision to assets | 0.2772% | 489 |
| Net operating income to assets | 1.0467% | 2,671 |
| Return on assets (ROA) | 1.0479% | 2,708 |
| Pretax return on assets | 1.0479% | 3,290 |
| Return on Equity (ROE) | 11.0876% | 1,912 |
| Retained earnings to average equity (ytd only) | 4.7125% | 3,035 |
| Net charge-offs to loans | 0.0618% | 1,421 |
| Credit loss provision to net charge-offs | 668.6047% | 495 |
| Earnings coverage of net charge-offs (x) | 31.9360% | 1,293 |
| Efficiency ratio | 66.6647% | 2,843 |
| Assets per employee ($millions) | 5.1587% | 2,324 |
| Cash dividends to net income (ytd only)* | 57.4977% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 2,019 |
| Loan loss allowance to noncurrent loans | 286.8009% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,182 |
| Noncurrent loans to loans | 0.4586% | 2,937 |
| Net loans and leases to total assets | 66.2501% | 3,020 |
| Net loans and leases to deposits | 78.0910% | 3,050 |
| Net loans and leases to core deposits | 79.5565% | 3,406 |
| Total domestic deposits to total assets | 84.8371% | 2,736 |
| Equity capital to assets | 9.6597% | 4,123 |
| Core capital (leverage) ratio | 9.1640% | 4,506 |
| Tier 1 risk-based capital ratio | 11.9373% | 4,494 |
| Total risk-based capital ratio | 13.1786% | 4,397 |
| Memoranda: | ||
| Average total assets | $1,659,629,500 | 515 |
| Average earning assets | $1,518,982,000 | 505 |
| Average equity | $156,860,500 | 583 |
| Average total loans | $1,113,811,500 | 526 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 3,614 |
| Cost of funding earning assets | 0.6845% | 2,182 |
| Net interest margin | 3.4571% | 3,843 |
| Noninterest income to average assets | 0.9631% | 1,032 |
| Noninterest expense to average assets | 2.7064% | 3,005 |
| Loan and lease loss provision to assets | 0.1336% | 1,630 |
| Net operating income to assets | 1.2927% | 1,838 |
| Return on assets (ROA) | 1.2927% | 1,820 |
| Pretax return on assets | 1.2927% | 2,529 |
| Return on Equity (ROE) | 13.7607% | 1,115 |
| Retained earnings to average equity (ytd only) | 3.5113% | 3,654 |
| Net charge-offs to loans | 0.0074% | 3,423 |
| Credit loss provision to net charge-offs | 2,792.2078% | 176 |
| Earnings coverage of net charge-offs (x) | 298.1818% | 329 |
| Efficiency ratio | 64.9360% | 3,040 |
| Assets per employee ($millions) | 5.1818% | 2,289 |
| Cash dividends to net income (ytd only)* | 74.4834% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,405 |
| Loan loss allowance to noncurrent loans | 275.3772% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 3,159 |
| Noncurrent loans to loans | 0.4468% | 2,937 |
| Net loans and leases to total assets | 66.2654% | 3,095 |
| Net loans and leases to deposits | 81.8041% | 2,760 |
| Net loans and leases to core deposits | 83.5679% | 3,130 |
| Total domestic deposits to total assets | 81.0050% | 3,885 |
| Equity capital to assets | 9.2430% | 4,374 |
| Core capital (leverage) ratio | 9.0270% | 4,631 |
| Tier 1 risk-based capital ratio | 11.7764% | 4,580 |
| Total risk-based capital ratio | 12.9393% | 4,511 |
| Memoranda: | ||
| Average total assets | $1,609,770,000 | 510 |
| Average earning assets | $1,475,908,400 | 507 |
| Average equity | $151,227,400 | 567 |
| Average total loans | $1,044,452,200 | 539 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 3,780 |
| Cost of funding earning assets | 0.5870% | 2,568 |
| Net interest margin | 3.4662% | 3,817 |
| Noninterest income to average assets | 0.9207% | 1,138 |
| Noninterest expense to average assets | 2.6768% | 3,042 |
| Loan and lease loss provision to assets | 0.0835% | 2,293 |
| Net operating income to assets | 1.3421% | 1,695 |
| Return on assets (ROA) | 1.3421% | 1,705 |
| Pretax return on assets | 1.3421% | 2,459 |
| Return on Equity (ROE) | 14.2266% | 1,058 |
| Retained earnings to average equity (ytd only) | 6.2650% | 2,510 |
| Net charge-offs to loans | 0.0734% | 1,796 |
| Credit loss provision to net charge-offs | 176.6784% | 1,521 |
| Earnings coverage of net charge-offs (x) | 30.1801% | 1,602 |
| Efficiency ratio | 64.6914% | 3,072 |
| Assets per employee ($millions) | 4.9593% | 2,521 |
| Cash dividends to net income (ytd only)* | 55.9632% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,207 |
| Loan loss allowance to noncurrent loans | 170.1257% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 2,764 |
| Noncurrent loans to loans | 0.6452% | 2,475 |
| Net loans and leases to total assets | 66.1393% | 3,160 |
| Net loans and leases to deposits | 82.4400% | 2,771 |
| Net loans and leases to core deposits | 84.2390% | 3,136 |
| Total domestic deposits to total assets | 80.2272% | 4,063 |
| Equity capital to assets | 9.1953% | 4,370 |
| Core capital (leverage) ratio | 9.3032% | 4,396 |
| Tier 1 risk-based capital ratio | 12.0697% | 4,462 |
| Total risk-based capital ratio | 13.1163% | 4,460 |
| Memoranda: | ||
| Average total assets | $1,597,672,500 | 507 |
| Average earning assets | $1,466,506,000 | 506 |
| Average equity | $150,718,250 | 562 |
| Average total loans | $1,027,446,250 | 547 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 3,764 |
| Cost of funding earning assets | 0.5183% | 2,864 |
| Net interest margin | 3.4897% | 3,664 |
| Noninterest income to average assets | 0.9309% | 1,103 |
| Noninterest expense to average assets | 2.7236% | 2,925 |
| Loan and lease loss provision to assets | 0.0632% | 2,639 |
| Net operating income to assets | 1.3528% | 1,594 |
| Return on assets (ROA) | 1.3528% | 1,600 |
| Pretax return on assets | 1.3528% | 2,315 |
| Return on Equity (ROE) | 14.2164% | 1,031 |
| Retained earnings to average equity (ytd only) | 5.5867% | 2,776 |
| Net charge-offs to loans | 0.1022% | 1,331 |
| Credit loss provision to net charge-offs | 97.4659% | 2,090 |
| Earnings coverage of net charge-offs (x) | 21.8480% | 1,762 |
| Efficiency ratio | 65.2353% | 3,111 |
| Assets per employee ($millions) | 4.9103% | 2,542 |
| Cash dividends to net income (ytd only)* | 60.7023% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,146 |
| Loan loss allowance to noncurrent loans | 156.5646% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 2,700 |
| Noncurrent loans to loans | 0.7161% | 2,323 |
| Net loans and leases to total assets | 63.9229% | 3,409 |
| Net loans and leases to deposits | 79.2219% | 3,030 |
| Net loans and leases to core deposits | 80.7552% | 3,349 |
| Total domestic deposits to total assets | 80.6884% | 4,080 |
| Equity capital to assets | 9.3793% | 4,205 |
| Core capital (leverage) ratio | 9.2592% | 4,407 |
| Tier 1 risk-based capital ratio | 12.4012% | 4,243 |
| Total risk-based capital ratio | 13.4604% | 4,244 |
| Memoranda: | ||
| Average total assets | $1,583,049,670 | 513 |
| Average earning assets | $1,455,605,330 | 510 |
| Average equity | $150,643,000 | 559 |
| Average total loans | $1,004,010,330 | 557 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,617 |
| Cost of funding earning assets | 0.4863% | 2,894 |
| Net interest margin | 3.5113% | 3,496 |
| Noninterest income to average assets | 0.9234% | 1,089 |
| Noninterest expense to average assets | 2.7300% | 2,941 |
| Loan and lease loss provision to assets | 0.0635% | 2,502 |
| Net operating income to assets | 1.3587% | 1,455 |
| Return on assets (ROA) | 1.3587% | 1,467 |
| Pretax return on assets | 1.3587% | 2,151 |
| Return on Equity (ROE) | 14.1741% | 972 |
| Retained earnings to average equity (ytd only) | 4.8961% | 3,228 |
| Net charge-offs to loans | 0.0049% | 2,559 |
| Credit loss provision to net charge-offs | 2,083.3333% | 181 |
| Earnings coverage of net charge-offs (x) | 466.4167% | 135 |
| Efficiency ratio | 65.1857% | 3,292 |
| Assets per employee ($millions) | 4.7313% | 2,811 |
| Cash dividends to net income (ytd only)* | 65.4573% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,834 |
| Loan loss allowance to noncurrent loans | 168.5962% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 2,877 |
| Noncurrent loans to loans | 0.7088% | 2,440 |
| Net loans and leases to total assets | 61.6511% | 3,591 |
| Net loans and leases to deposits | 76.3533% | 3,172 |
| Net loans and leases to core deposits | 77.7353% | 3,516 |
| Total domestic deposits to total assets | 80.7445% | 4,259 |
| Equity capital to assets | 9.3839% | 4,203 |
| Core capital (leverage) ratio | 9.2654% | 4,362 |
| Tier 1 risk-based capital ratio | 12.9391% | 3,984 |
| Total risk-based capital ratio | 14.0856% | 3,931 |
| Memoranda: | ||
| Average total assets | $1,574,194,000 | 524 |
| Average earning assets | $1,447,558,000 | 517 |
| Average equity | $150,894,500 | 561 |
| Average total loans | $988,587,500 | 568 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,857 |
| Cost of funding earning assets | 0.4356% | 2,909 |
| Net interest margin | 3.4227% | 3,775 |
| Noninterest income to average assets | 1.0353% | 947 |
| Noninterest expense to average assets | 2.7510% | 2,952 |
| Loan and lease loss provision to assets | 0.0648% | 2,921 |
| Net operating income to assets | 1.3587% | 1,100 |
| Return on assets (ROA) | 1.3799% | 1,076 |
| Pretax return on assets | 1.3799% | 2,056 |
| Return on Equity (ROE) | 13.9833% | 763 |
| Retained earnings to average equity (ytd only) | 3.8010% | 2,942 |
| Net charge-offs to loans | 0.0565% | 2,676 |
| Credit loss provision to net charge-offs | 190.1141% | 1,435 |
| Earnings coverage of net charge-offs (x) | 41.7490% | 1,226 |
| Efficiency ratio | 65.0620% | 3,430 |
| Assets per employee ($millions) | 4.5708% | 3,076 |
| Cash dividends to net income (ytd only)* | 72.8178% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,904 |
| Loan loss allowance to noncurrent loans | 133.7786% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 2,341 |
| Noncurrent loans to loans | 0.8813% | 2,023 |
| Net loans and leases to total assets | 62.4652% | 3,558 |
| Net loans and leases to deposits | 79.3407% | 2,991 |
| Net loans and leases to core deposits | 80.7167% | 3,362 |
| Total domestic deposits to total assets | 78.7303% | 4,598 |
| Equity capital to assets | 9.7911% | 3,929 |
| Core capital (leverage) ratio | 9.2823% | 4,312 |
| Tier 1 risk-based capital ratio | 12.7822% | 4,044 |
| Total risk-based capital ratio | 13.9072% | 4,004 |
| Memoranda: | ||
| Average total assets | $1,542,628,600 | 506 |
| Average earning assets | $1,414,838,600 | 500 |
| Average equity | $152,224,400 | 539 |
| Average total loans | $930,175,200 | 571 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 3,913 |
| Cost of funding earning assets | 0.4297% | 2,888 |
| Net interest margin | 3.3967% | 3,858 |
| Noninterest income to average assets | 1.0676% | 896 |
| Noninterest expense to average assets | 2.7128% | 3,018 |
| Loan and lease loss provision to assets | 0.0433% | 3,236 |
| Net operating income to assets | 1.4254% | 1,035 |
| Return on assets (ROA) | 1.4329% | 1,037 |
| Pretax return on assets | 1.4329% | 2,001 |
| Return on Equity (ROE) | 14.4927% | 737 |
| Retained earnings to average equity (ytd only) | 3.9755% | 3,560 |
| Net charge-offs to loans | 0.0576% | 2,307 |
| Credit loss provision to net charge-offs | 126.2626% | 1,924 |
| Earnings coverage of net charge-offs (x) | 42.8002% | 1,240 |
| Efficiency ratio | 63.9491% | 3,552 |
| Assets per employee ($millions) | 4.5381% | 3,074 |
| Cash dividends to net income (ytd only)* | 72.5689% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,985 |
| Loan loss allowance to noncurrent loans | 108.5731% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 2,209 |
| Noncurrent loans to loans | 1.0964% | 1,751 |
| Net loans and leases to total assets | 60.1447% | 3,848 |
| Net loans and leases to deposits | 75.3285% | 3,437 |
| Net loans and leases to core deposits | 76.3413% | 3,780 |
| Total domestic deposits to total assets | 79.8432% | 4,350 |
| Equity capital to assets | 10.0551% | 3,853 |
| Core capital (leverage) ratio | 9.2764% | 4,433 |
| Tier 1 risk-based capital ratio | 13.1751% | 3,893 |
| Total risk-based capital ratio | 14.3111% | 3,878 |
| Memoranda: | ||
| Average total assets | $1,538,621,500 | 510 |
| Average earning assets | $1,410,502,250 | 504 |
| Average equity | $152,128,000 | 545 |
| Average total loans | $916,410,500 | 580 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 3,726 |
| Cost of funding earning assets | 0.4145% | 2,939 |
| Net interest margin | 3.4338% | 3,653 |
| Noninterest income to average assets | 0.9571% | 1,119 |
| Noninterest expense to average assets | 2.7438% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3592% | 1,152 |
| Return on assets (ROA) | 1.3701% | 1,157 |
| Pretax return on assets | 1.3701% | 2,138 |
| Return on Equity (ROE) | 13.9374% | 820 |
| Retained earnings to average equity (ytd only) | 2.9307% | 3,972 |
| Net charge-offs to loans | 0.0467% | 2,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 49.1792% | 1,089 |
| Efficiency ratio | 65.7421% | 3,395 |
| Assets per employee ($millions) | 4.4756% | 3,148 |
| Cash dividends to net income (ytd only)* | 78.9724% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,120 |
| Loan loss allowance to noncurrent loans | 128.5580% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 2,439 |
| Noncurrent loans to loans | 0.9203% | 2,130 |
| Net loans and leases to total assets | 58.7820% | 3,945 |
| Net loans and leases to deposits | 73.5013% | 3,596 |
| Net loans and leases to core deposits | 75.4723% | 3,819 |
| Total domestic deposits to total assets | 79.9741% | 4,418 |
| Equity capital to assets | 9.9665% | 3,952 |
| Core capital (leverage) ratio | 9.1534% | 4,550 |
| Tier 1 risk-based capital ratio | 13.2350% | 3,850 |
| Total risk-based capital ratio | 14.3658% | 3,843 |
| Memoranda: | ||
| Average total assets | $1,534,147,000 | 517 |
| Average earning assets | $1,405,496,000 | 508 |
| Average equity | $150,817,670 | 548 |
| Average total loans | $906,974,330 | 589 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 4,094 |
| Cost of funding earning assets | 0.4101% | 2,903 |
| Net interest margin | 3.2994% | 4,010 |
| Noninterest income to average assets | 0.9371% | 1,149 |
| Noninterest expense to average assets | 2.7877% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1740% | 1,576 |
| Return on assets (ROA) | 1.1960% | 1,551 |
| Pretax return on assets | 1.1960% | 2,615 |
| Return on Equity (ROE) | 12.2525% | 1,174 |
| Retained earnings to average equity (ytd only) | 2.5774% | 4,104 |
| Net charge-offs to loans | 0.0659% | 1,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 30.2365% | 1,216 |
| Efficiency ratio | 68.6180% | 3,109 |
| Assets per employee ($millions) | 4.5805% | 3,034 |
| Cash dividends to net income (ytd only)* | 78.9647% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 3,054 |
| Loan loss allowance to noncurrent loans | 120.5615% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.7491% | 2,426 |
| Noncurrent loans to loans | 1.0071% | 2,039 |
| Net loans and leases to total assets | 57.4329% | 4,018 |
| Net loans and leases to deposits | 71.4876% | 3,658 |
| Net loans and leases to core deposits | 73.4577% | 3,883 |
| Total domestic deposits to total assets | 80.3397% | 4,553 |
| Equity capital to assets | 9.6661% | 4,104 |
| Core capital (leverage) ratio | 9.0850% | 4,639 |
| Tier 1 risk-based capital ratio | 13.4415% | 3,809 |
| Total risk-based capital ratio | 14.6072% | 3,775 |
| Memoranda: | ||
| Average total assets | $1,524,700,500 | 518 |
| Average earning assets | $1,397,697,000 | 511 |
| Average equity | $148,835,000 | 550 |
| Average total loans | $898,542,500 | 597 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 3,487 |
| Cost of funding earning assets | 0.4192% | 2,811 |
| Net interest margin | 3.5032% | 3,420 |
| Noninterest income to average assets | 0.9863% | 1,180 |
| Noninterest expense to average assets | 2.8974% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2766% | 1,280 |
| Return on assets (ROA) | 1.2817% | 1,328 |
| Pretax return on assets | 1.2817% | 2,347 |
| Return on Equity (ROE) | 12.2864% | 1,173 |
| Retained earnings to average equity (ytd only) | 3.2417% | 3,601 |
| Net charge-offs to loans | 0.0848% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 25.8960% | 1,569 |
| Efficiency ratio | 66.7928% | 3,471 |
| Assets per employee ($millions) | 4.3373% | 3,383 |
| Cash dividends to net income (ytd only)* | 73.6157% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,824 |
| Loan loss allowance to noncurrent loans | 116.8169% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 2,327 |
| Noncurrent loans to loans | 1.0697% | 1,939 |
| Net loans and leases to total assets | 59.0139% | 3,962 |
| Net loans and leases to deposits | 74.2827% | 3,483 |
| Net loans and leases to core deposits | 76.6677% | 3,688 |
| Total domestic deposits to total assets | 79.4450% | 4,687 |
| Equity capital to assets | 9.8612% | 3,866 |
| Core capital (leverage) ratio | 9.1971% | 4,485 |
| Tier 1 risk-based capital ratio | 13.5708% | 3,725 |
| Total risk-based capital ratio | 14.7698% | 3,660 |
| Memoranda: | ||
| Average total assets | $1,462,565,400 | 518 |
| Average earning assets | $1,330,806,200 | 516 |
| Average equity | $152,575,000 | 522 |
| Average total loans | $850,431,000 | 595 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8742% | 3,678 |
| Cost of funding earning assets | 0.4205% | 2,837 |
| Net interest margin | 3.4537% | 3,656 |
| Noninterest income to average assets | 0.9963% | 1,155 |
| Noninterest expense to average assets | 2.8556% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2797% | 1,351 |
| Return on assets (ROA) | 1.2859% | 1,443 |
| Pretax return on assets | 1.2859% | 2,488 |
| Return on Equity (ROE) | 12.1563% | 1,272 |
| Retained earnings to average equity (ytd only) | 2.8020% | 4,214 |
| Net charge-offs to loans | 0.0578% | 2,528 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 38.3710% | 1,274 |
| Efficiency ratio | 66.2826% | 3,544 |
| Assets per employee ($millions) | 4.4990% | 3,089 |
| Cash dividends to net income (ytd only)* | 76.9505% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,622 |
| Loan loss allowance to noncurrent loans | 145.1161% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 2,825 |
| Noncurrent loans to loans | 0.9040% | 2,440 |
| Net loans and leases to total assets | 57.5658% | 4,133 |
| Net loans and leases to deposits | 72.7442% | 3,729 |
| Net loans and leases to core deposits | 75.0734% | 3,912 |
| Total domestic deposits to total assets | 79.1345% | 4,690 |
| Equity capital to assets | 10.4900% | 3,577 |
| Core capital (leverage) ratio | 9.1601% | 4,650 |
| Tier 1 risk-based capital ratio | 13.6356% | 3,779 |
| Total risk-based capital ratio | 14.8857% | 3,690 |
| Memoranda: | ||
| Average total assets | $1,455,195,000 | 520 |
| Average earning assets | $1,322,604,000 | 521 |
| Average equity | $153,935,250 | 517 |
| Average total loans | $840,124,500 | 596 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 3,482 |
| Cost of funding earning assets | 0.4228% | 2,809 |
| Net interest margin | 3.5124% | 3,443 |
| Noninterest income to average assets | 1.0022% | 1,111 |
| Noninterest expense to average assets | 2.8958% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2892% | 1,303 |
| Return on assets (ROA) | 1.2960% | 1,391 |
| Pretax return on assets | 1.2960% | 2,423 |
| Return on Equity (ROE) | 12.2158% | 1,237 |
| Retained earnings to average equity (ytd only) | 3.9645% | 3,377 |
| Net charge-offs to loans | 0.0751% | 2,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 29.8328% | 1,394 |
| Efficiency ratio | 66.2041% | 3,653 |
| Assets per employee ($millions) | 4.3111% | 3,349 |
| Cash dividends to net income (ytd only)* | 67.5458% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 2,403 |
| Loan loss allowance to noncurrent loans | 126.3342% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 2,518 |
| Noncurrent loans to loans | 1.0896% | 2,108 |
| Net loans and leases to total assets | 57.6502% | 4,151 |
| Net loans and leases to deposits | 70.5316% | 3,933 |
| Net loans and leases to core deposits | 73.0625% | 4,074 |
| Total domestic deposits to total assets | 81.7367% | 4,080 |
| Equity capital to assets | 10.9057% | 3,159 |
| Core capital (leverage) ratio | 9.1519% | 4,660 |
| Tier 1 risk-based capital ratio | 14.0120% | 3,597 |
| Total risk-based capital ratio | 15.2626% | 3,512 |
| Memoranda: | ||
| Average total assets | $1,439,371,670 | 527 |
| Average earning assets | $1,304,289,000 | 528 |
| Average equity | $152,703,670 | 517 |
| Average total loans | $827,992,670 | 598 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 3,758 |
| Cost of funding earning assets | 0.4249% | 2,817 |
| Net interest margin | 3.4287% | 3,770 |
| Noninterest income to average assets | 0.9778% | 1,129 |
| Noninterest expense to average assets | 2.8933% | 2,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1773% | 1,623 |
| Return on assets (ROA) | 1.1792% | 1,720 |
| Pretax return on assets | 1.1792% | 2,784 |
| Return on Equity (ROE) | 11.2725% | 1,506 |
| Retained earnings to average equity (ytd only) | 1.9871% | 4,459 |
| Net charge-offs to loans | 0.1542% | 1,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 13.3817% | 1,739 |
| Efficiency ratio | 68.0098% | 3,465 |
| Assets per employee ($millions) | 4.4523% | 3,158 |
| Cash dividends to net income (ytd only)* | 82.3723% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 2,447 |
| Loan loss allowance to noncurrent loans | 113.5858% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 2,474 |
| Noncurrent loans to loans | 1.2286% | 1,967 |
| Net loans and leases to total assets | 54.6974% | 4,385 |
| Net loans and leases to deposits | 68.9470% | 3,960 |
| Net loans and leases to core deposits | 70.7501% | 4,179 |
| Total domestic deposits to total assets | 79.3326% | 4,890 |
| Equity capital to assets | 10.2645% | 3,782 |
| Core capital (leverage) ratio | 9.1153% | 4,715 |
| Tier 1 risk-based capital ratio | 13.9662% | 3,717 |
| Total risk-based capital ratio | 15.2172% | 3,640 |
| Memoranda: | ||
| Average total assets | $1,441,256,500 | 523 |
| Average earning assets | $1,300,099,000 | 530 |
| Average equity | $150,774,000 | 521 |
| Average total loans | $822,399,000 | 599 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,438 |
| Cost of funding earning assets | 0.4421% | 2,720 |
| Net interest margin | 3.7934% | 2,399 |
| Noninterest income to average assets | 1.1243% | 935 |
| Noninterest expense to average assets | 2.9890% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5694% | 750 |
| Return on assets (ROA) | 1.5693% | 775 |
| Pretax return on assets | 1.5693% | 1,343 |
| Return on Equity (ROE) | 14.8727% | 706 |
| Retained earnings to average equity (ytd only) | 4.0832% | 3,098 |
| Net charge-offs to loans | -0.1600% | 5,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4666% | 4,537 |
| Assets per employee ($millions) | 4.1523% | 3,657 |
| Cash dividends to net income (ytd only)* | 72.5459% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 2,205 |
| Loan loss allowance to noncurrent loans | 103.9429% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 2,143 |
| Noncurrent loans to loans | 1.3962% | 1,675 |
| Net loans and leases to total assets | 57.9130% | 4,100 |
| Net loans and leases to deposits | 71.5164% | 3,766 |
| Net loans and leases to core deposits | 73.4623% | 3,996 |
| Total domestic deposits to total assets | 80.9786% | 4,490 |
| Equity capital to assets | 10.6723% | 3,162 |
| Core capital (leverage) ratio | 9.2038% | 4,614 |
| Tier 1 risk-based capital ratio | 14.2223% | 3,595 |
| Total risk-based capital ratio | 15.4740% | 3,506 |
| Memoranda: | ||
| Average total assets | $1,405,364,200 | 508 |
| Average earning assets | $1,272,279,000 | 514 |
| Average equity | $148,291,600 | 511 |
| Average total loans | $810,794,200 | 581 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2930% | 2,255 |
| Cost of funding earning assets | 0.4421% | 2,772 |
| Net interest margin | 3.8509% | 2,180 |
| Noninterest income to average assets | 1.1883% | 860 |
| Noninterest expense to average assets | 2.9737% | 2,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6981% | 627 |
| Return on assets (ROA) | 1.6983% | 650 |
| Pretax return on assets | 1.6983% | 1,112 |
| Return on Equity (ROE) | 16.1407% | 567 |
| Retained earnings to average equity (ytd only) | 6.6075% | 1,882 |
| Net charge-offs to loans | -0.1132% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8661% | 4,762 |
| Assets per employee ($millions) | 4.4217% | 3,137 |
| Cash dividends to net income (ytd only)* | 59.0628% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 2,467 |
| Loan loss allowance to noncurrent loans | 90.6235% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 2,137 |
| Noncurrent loans to loans | 1.5747% | 1,584 |
| Net loans and leases to total assets | 55.0531% | 4,459 |
| Net loans and leases to deposits | 70.4099% | 3,934 |
| Net loans and leases to core deposits | 72.1867% | 4,174 |
| Total domestic deposits to total assets | 78.1895% | 5,151 |
| Equity capital to assets | 10.6419% | 3,423 |
| Core capital (leverage) ratio | 9.2614% | 4,641 |
| Tier 1 risk-based capital ratio | 14.5254% | 3,558 |
| Total risk-based capital ratio | 15.7764% | 3,472 |
| Memoranda: | ||
| Average total assets | $1,408,953,250 | 503 |
| Average earning assets | $1,274,542,000 | 515 |
| Average equity | $148,251,250 | 513 |
| Average total loans | $809,133,500 | 583 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 2,297 |
| Cost of funding earning assets | 0.4449% | 2,784 |
| Net interest margin | 3.8213% | 2,236 |
| Noninterest income to average assets | 1.0753% | 1,037 |
| Noninterest expense to average assets | 2.9783% | 2,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5435% | 836 |
| Return on assets (ROA) | 1.5430% | 871 |
| Pretax return on assets | 1.5430% | 1,515 |
| Return on Equity (ROE) | 14.7220% | 778 |
| Retained earnings to average equity (ytd only) | 5.7235% | 2,400 |
| Net charge-offs to loans | -0.1797% | 5,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9681% | 4,525 |
| Assets per employee ($millions) | 4.1267% | 3,626 |
| Cash dividends to net income (ytd only)* | 61.1224% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 2,726 |
| Loan loss allowance to noncurrent loans | 77.6637% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3886% | 1,809 |
| Noncurrent loans to loans | 1.8108% | 1,413 |
| Net loans and leases to total assets | 56.9354% | 4,229 |
| Net loans and leases to deposits | 69.5228% | 3,982 |
| Net loans and leases to core deposits | 71.3327% | 4,193 |
| Total domestic deposits to total assets | 81.8946% | 4,325 |
| Equity capital to assets | 10.3438% | 3,624 |
| Core capital (leverage) ratio | 8.8078% | 5,222 |
| Tier 1 risk-based capital ratio | 13.7598% | 4,059 |
| Total risk-based capital ratio | 15.0107% | 3,997 |
| Memoranda: | ||
| Average total assets | $1,399,591,330 | 507 |
| Average earning assets | $1,262,277,330 | 516 |
| Average equity | $146,692,330 | 519 |
| Average total loans | $811,315,330 | 576 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 1,562 |
| Cost of funding earning assets | 0.4459% | 2,817 |
| Net interest margin | 4.0208% | 1,493 |
| Noninterest income to average assets | 1.0799% | 969 |
| Noninterest expense to average assets | 2.9565% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7619% | 520 |
| Return on assets (ROA) | 1.7611% | 549 |
| Pretax return on assets | 1.7611% | 936 |
| Return on Equity (ROE) | 16.6910% | 497 |
| Retained earnings to average equity (ytd only) | 6.8840% | 2,058 |
| Net charge-offs to loans | -0.3444% | 6,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8684% | 5,106 |
| Assets per employee ($millions) | 4.1286% | 3,701 |
| Cash dividends to net income (ytd only)* | 58.7563% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 2,878 |
| Loan loss allowance to noncurrent loans | 78.6038% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3805% | 1,916 |
| Noncurrent loans to loans | 1.7919% | 1,517 |
| Net loans and leases to total assets | 56.9898% | 4,089 |
| Net loans and leases to deposits | 69.8152% | 3,768 |
| Net loans and leases to core deposits | 71.9795% | 3,965 |
| Total domestic deposits to total assets | 81.6295% | 4,630 |
| Equity capital to assets | 10.6166% | 3,405 |
| Core capital (leverage) ratio | 8.7207% | 5,301 |
| Tier 1 risk-based capital ratio | 13.7642% | 4,176 |
| Total risk-based capital ratio | 15.0154% | 4,090 |
| Memoranda: | ||
| Average total assets | $1,391,666,000 | 513 |
| Average earning assets | $1,259,346,000 | 514 |
| Average equity | $146,833,500 | 519 |
| Average total loans | $808,281,500 | 571 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 1,453 |
| Cost of funding earning assets | 0.4544% | 3,126 |
| Net interest margin | 4.1830% | 1,350 |
| Noninterest income to average assets | 1.1573% | 899 |
| Noninterest expense to average assets | 3.1005% | 2,511 |
| Loan and lease loss provision to assets | 0.0336% | 3,923 |
| Net operating income to assets | 1.8152% | 466 |
| Return on assets (ROA) | 1.8460% | 448 |
| Pretax return on assets | 1.8460% | 718 |
| Return on Equity (ROE) | 18.6096% | 347 |
| Retained earnings to average equity (ytd only) | 6.2858% | 1,760 |
| Net charge-offs to loans | 0.0527% | 3,774 |
| Credit loss provision to net charge-offs | 110.1415% | 2,168 |
| Earnings coverage of net charge-offs (x) | 60.6368% | 788 |
| Efficiency ratio | 59.9802% | 5,230 |
| Assets per employee ($millions) | 4.0102% | 3,936 |
| Cash dividends to net income (ytd only)* | 66.2226% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 3,227 |
| Loan loss allowance to noncurrent loans | 61.7140% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.5074% | 1,808 |
| Noncurrent loans to loans | 2.1731% | 1,233 |
| Net loans and leases to total assets | 57.5801% | 4,107 |
| Net loans and leases to deposits | 70.6591% | 3,819 |
| Net loans and leases to core deposits | 73.2340% | 3,999 |
| Total domestic deposits to total assets | 81.4900% | 4,599 |
| Equity capital to assets | 10.4837% | 3,506 |
| Core capital (leverage) ratio | 8.5978% | 5,450 |
| Tier 1 risk-based capital ratio | 13.4134% | 4,459 |
| Total risk-based capital ratio | 14.6637% | 4,402 |
| Memoranda: | ||
| Average total assets | $1,390,609,200 | 500 |
| Average earning assets | $1,260,649,400 | 495 |
| Average equity | $137,945,200 | 525 |
| Average total loans | $803,971,400 | 550 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 1,436 |
| Cost of funding earning assets | 0.4523% | 3,222 |
| Net interest margin | 4.1956% | 1,303 |
| Noninterest income to average assets | 1.1466% | 913 |
| Noninterest expense to average assets | 3.0663% | 2,577 |
| Loan and lease loss provision to assets | 0.0447% | 3,502 |
| Net operating income to assets | 1.8407% | 473 |
| Return on assets (ROA) | 1.8818% | 448 |
| Pretax return on assets | 1.8818% | 745 |
| Return on Equity (ROE) | 19.2397% | 327 |
| Retained earnings to average equity (ytd only) | 7.2149% | 1,705 |
| Net charge-offs to loans | 0.0041% | 4,558 |
| Credit loss provision to net charge-offs | 1,868.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 788.7393% | 93 |
| Efficiency ratio | 59.2701% | 5,279 |
| Assets per employee ($millions) | 4.0770% | 3,715 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 3,262 |
| Loan loss allowance to noncurrent loans | 55.5721% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.7111% | 1,757 |
| Noncurrent loans to loans | 2.4854% | 1,184 |
| Net loans and leases to total assets | 57.8496% | 4,095 |
| Net loans and leases to deposits | 70.6960% | 3,836 |
| Net loans and leases to core deposits | 73.4045% | 4,009 |
| Total domestic deposits to total assets | 81.8286% | 4,537 |
| Equity capital to assets | 10.2270% | 3,894 |
| Core capital (leverage) ratio | 8.6821% | 5,461 |
| Tier 1 risk-based capital ratio | 13.1514% | 4,762 |
| Total risk-based capital ratio | 14.3942% | 4,702 |
| Memoranda: | ||
| Average total assets | $1,394,390,000 | 500 |
| Average earning assets | $1,264,605,250 | 495 |
| Average equity | $136,381,000 | 531 |
| Average total loans | $804,271,250 | 545 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 1,223 |
| Cost of funding earning assets | 0.4512% | 3,317 |
| Net interest margin | 4.2805% | 1,068 |
| Noninterest income to average assets | 1.0683% | 1,045 |
| Noninterest expense to average assets | 2.9578% | 2,974 |
| Loan and lease loss provision to assets | 0.0667% | 2,933 |
| Net operating income to assets | 1.9256% | 392 |
| Return on assets (ROA) | 1.9762% | 366 |
| Pretax return on assets | 1.9762% | 586 |
| Return on Equity (ROE) | 20.5124% | 266 |
| Retained earnings to average equity (ytd only) | 9.2419% | 902 |
| Net charge-offs to loans | -0.0267% | 5,644 |
| Credit loss provision to net charge-offs | -436.4486% | 5,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1045% | 5,649 |
| Assets per employee ($millions) | 4.0933% | 3,659 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 3,337 |
| Loan loss allowance to noncurrent loans | 61.9625% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.5515% | 2,099 |
| Noncurrent loans to loans | 2.2637% | 1,440 |
| Net loans and leases to total assets | 56.5614% | 4,187 |
| Net loans and leases to deposits | 68.7808% | 3,959 |
| Net loans and leases to core deposits | 71.4357% | 4,110 |
| Total domestic deposits to total assets | 82.2343% | 4,575 |
| Equity capital to assets | 9.9950% | 4,113 |
| Core capital (leverage) ratio | 8.4571% | 5,675 |
| Tier 1 risk-based capital ratio | 12.9815% | 4,923 |
| Total risk-based capital ratio | 14.2318% | 4,862 |
| Memoranda: | ||
| Average total assets | $1,399,845,330 | 494 |
| Average earning assets | $1,269,478,000 | 495 |
| Average equity | $134,864,670 | 535 |
| Average total loans | $802,913,000 | 545 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 1,365 |
| Cost of funding earning assets | 0.4553% | 3,376 |
| Net interest margin | 4.1985% | 1,226 |
| Noninterest income to average assets | 1.0394% | 1,040 |
| Noninterest expense to average assets | 2.9192% | 3,152 |
| Loan and lease loss provision to assets | 0.1336% | 1,812 |
| Net operating income to assets | 1.7946% | 490 |
| Return on assets (ROA) | 1.8959% | 415 |
| Pretax return on assets | 1.8959% | 655 |
| Return on Equity (ROE) | 20.0556% | 280 |
| Retained earnings to average equity (ytd only) | 9.4602% | 1,121 |
| Net charge-offs to loans | 0.0499% | 2,681 |
| Credit loss provision to net charge-offs | 467.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 67.3800% | 604 |
| Efficiency ratio | 57.5182% | 5,701 |
| Assets per employee ($millions) | 4.1280% | 3,667 |
| Cash dividends to net income (ytd only)* | 52.8302% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 3,639 |
| Loan loss allowance to noncurrent loans | 65.1663% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.4907% | 2,367 |
| Noncurrent loans to loans | 2.1389% | 1,710 |
| Net loans and leases to total assets | 55.2479% | 4,246 |
| Net loans and leases to deposits | 66.6860% | 4,004 |
| Net loans and leases to core deposits | 69.6413% | 4,141 |
| Total domestic deposits to total assets | 82.8478% | 4,662 |
| Equity capital to assets | 9.4645% | 4,544 |
| Core capital (leverage) ratio | 8.3533% | 5,798 |
| Tier 1 risk-based capital ratio | 12.6798% | 5,203 |
| Total risk-based capital ratio | 13.9305% | 5,136 |
| Memoranda: | ||
| Average total assets | $1,397,773,000 | 488 |
| Average earning assets | $1,267,773,000 | 492 |
| Average equity | $132,132,500 | 550 |
| Average total loans | $801,663,000 | 543 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 3,144 |
| Cost of funding earning assets | 0.4993% | 3,619 |
| Net interest margin | 3.7530% | 2,833 |
| Noninterest income to average assets | 1.4005% | 720 |
| Noninterest expense to average assets | 3.2123% | 2,381 |
| Loan and lease loss provision to assets | 0.0674% | 3,786 |
| Net operating income to assets | 1.5038% | 818 |
| Return on assets (ROA) | 1.4586% | 944 |
| Pretax return on assets | 1.4586% | 1,591 |
| Return on Equity (ROE) | 14.0968% | 929 |
| Retained earnings to average equity (ytd only) | 5.6646% | 2,177 |
| Net charge-offs to loans | 0.0423% | 4,626 |
| Credit loss provision to net charge-offs | 285.4785% | 795 |
| Earnings coverage of net charge-offs (x) | 66.5677% | 631 |
| Efficiency ratio | 64.6360% | 4,792 |
| Assets per employee ($millions) | 3.9754% | 3,912 |
| Cash dividends to net income (ytd only)* | 59.8163% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 3,824 |
| Loan loss allowance to noncurrent loans | 55.4616% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.7762% | 2,078 |
| Noncurrent loans to loans | 2.4607% | 1,547 |
| Net loans and leases to total assets | 57.9184% | 4,047 |
| Net loans and leases to deposits | 71.6277% | 3,574 |
| Net loans and leases to core deposits | 75.0182% | 3,732 |
| Total domestic deposits to total assets | 80.8603% | 5,218 |
| Equity capital to assets | 9.4412% | 4,504 |
| Core capital (leverage) ratio | 8.1767% | 5,995 |
| Tier 1 risk-based capital ratio | 12.0935% | 5,566 |
| Total risk-based capital ratio | 13.3418% | 5,504 |
| Memoranda: | ||
| Average total assets | $1,283,733,000 | 516 |
| Average earning assets | $1,157,165,800 | 513 |
| Average equity | $132,824,200 | 542 |
| Average total loans | $716,804,600 | 588 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0958% | 3,775 |
| Cost of funding earning assets | 0.5054% | 3,721 |
| Net interest margin | 3.5903% | 3,485 |
| Noninterest income to average assets | 1.4059% | 740 |
| Noninterest expense to average assets | 3.0335% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6050% | 746 |
| Return on assets (ROA) | 1.6180% | 768 |
| Pretax return on assets | 1.6180% | 1,301 |
| Return on Equity (ROE) | 15.2732% | 757 |
| Retained earnings to average equity (ytd only) | 8.7846% | 1,126 |
| Net charge-offs to loans | 0.2668% | 2,216 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.9266% | 2,300 |
| Efficiency ratio | 62.9178% | 4,995 |
| Assets per employee ($millions) | 4.5074% | 2,874 |
| Cash dividends to net income (ytd only)* | 42.4837% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 5,218 |
| Loan loss allowance to noncurrent loans | 39.7285% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 1.9808% | 2,041 |
| Noncurrent loans to loans | 2.8366% | 1,462 |
| Net loans and leases to total assets | 56.9625% | 4,177 |
| Net loans and leases to deposits | 69.3597% | 3,877 |
| Net loans and leases to core deposits | 72.6699% | 4,011 |
| Total domestic deposits to total assets | 82.1263% | 4,878 |
| Equity capital to assets | 9.5342% | 4,510 |
| Core capital (leverage) ratio | 8.7572% | 5,467 |
| Tier 1 risk-based capital ratio | 12.1528% | 5,680 |
| Total risk-based capital ratio | 13.1863% | 5,755 |
| Memoranda: | ||
| Average total assets | $1,260,791,750 | 522 |
| Average earning assets | $1,135,164,250 | 523 |
| Average equity | $133,564,250 | 545 |
| Average total loans | $694,083,500 | 605 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 3,679 |
| Cost of funding earning assets | 0.5198% | 3,703 |
| Net interest margin | 3.5946% | 3,382 |
| Noninterest income to average assets | 1.1313% | 1,189 |
| Noninterest expense to average assets | 3.0589% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3047% | 1,313 |
| Return on assets (ROA) | 1.3250% | 1,340 |
| Pretax return on assets | 1.3250% | 2,212 |
| Return on Equity (ROE) | 12.0453% | 1,479 |
| Retained earnings to average equity (ytd only) | 4.5647% | 3,364 |
| Net charge-offs to loans | 0.3938% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.1267% | 2,771 |
| Efficiency ratio | 67.3656% | 4,293 |
| Assets per employee ($millions) | 3.9810% | 3,848 |
| Cash dividends to net income (ytd only)* | 62.1041% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 4,179 |
| Loan loss allowance to noncurrent loans | 82.0607% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.3038% | 3,165 |
| Noncurrent loans to loans | 1.6668% | 2,816 |
| Net loans and leases to total assets | 53.5651% | 4,650 |
| Net loans and leases to deposits | 66.3491% | 4,225 |
| Net loans and leases to core deposits | 69.4228% | 4,332 |
| Total domestic deposits to total assets | 80.7323% | 5,417 |
| Equity capital to assets | 10.4592% | 3,357 |
| Core capital (leverage) ratio | 9.1377% | 4,774 |
| Tier 1 risk-based capital ratio | 13.9387% | 4,465 |
| Total risk-based capital ratio | 15.1738% | 4,443 |
| Memoranda: | ||
| Average total assets | $1,215,290,000 | 542 |
| Average earning assets | $1,092,813,000 | 545 |
| Average equity | $133,678,670 | 546 |
| Average total loans | $657,108,670 | 639 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2071% | 3,277 |
| Cost of funding earning assets | 0.5292% | 3,787 |
| Net interest margin | 3.6778% | 2,960 |
| Noninterest income to average assets | 1.0717% | 1,295 |
| Noninterest expense to average assets | 3.0703% | 2,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3026% | 1,267 |
| Return on assets (ROA) | 1.3156% | 1,347 |
| Pretax return on assets | 1.3156% | 2,175 |
| Return on Equity (ROE) | 11.6665% | 1,513 |
| Retained earnings to average equity (ytd only) | 4.0183% | 3,820 |
| Net charge-offs to loans | 0.5153% | 1,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.6862% | 2,500 |
| Efficiency ratio | 67.4581% | 4,420 |
| Assets per employee ($millions) | 3.8899% | 4,178 |
| Cash dividends to net income (ytd only)* | 65.5572% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 3,909 |
| Loan loss allowance to noncurrent loans | 91.1701% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.2791% | 3,420 |
| Noncurrent loans to loans | 1.6207% | 3,105 |
| Net loans and leases to total assets | 52.6999% | 4,596 |
| Net loans and leases to deposits | 65.9464% | 4,060 |
| Net loans and leases to core deposits | 68.8788% | 4,197 |
| Total domestic deposits to total assets | 79.9133% | 5,770 |
| Equity capital to assets | 11.1677% | 2,780 |
| Core capital (leverage) ratio | 9.1266% | 4,677 |
| Tier 1 risk-based capital ratio | 14.1516% | 4,395 |
| Total risk-based capital ratio | 15.4032% | 4,354 |
| Memoranda: | ||
| Average total assets | $1,205,880,500 | 550 |
| Average earning assets | $1,082,371,500 | 552 |
| Average equity | $135,979,000 | 549 |
| Average total loans | $650,553,500 | 643 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 3,369 |
| Cost of funding earning assets | 0.6019% | 4,334 |
| Net interest margin | 3.9042% | 2,809 |
| Noninterest income to average assets | 1.1849% | 1,116 |
| Noninterest expense to average assets | 3.2309% | 2,512 |
| Loan and lease loss provision to assets | 0.0408% | 5,354 |
| Net operating income to assets | 1.3999% | 1,102 |
| Return on assets (ROA) | 1.4011% | 1,210 |
| Pretax return on assets | 1.4011% | 2,036 |
| Return on Equity (ROE) | 12.2287% | 1,436 |
| Retained earnings to average equity (ytd only) | 3.0525% | 4,086 |
| Net charge-offs to loans | 0.1481% | 4,211 |
| Credit loss provision to net charge-offs | 50.2114% | 4,697 |
| Earnings coverage of net charge-offs (x) | 17.7452% | 1,487 |
| Efficiency ratio | 66.4964% | 4,410 |
| Assets per employee ($millions) | 3.8648% | 4,243 |
| Cash dividends to net income (ytd only)* | 75.0383% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 3,268 |
| Loan loss allowance to noncurrent loans | 91.5784% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.3626% | 3,356 |
| Noncurrent loans to loans | 1.7578% | 2,975 |
| Net loans and leases to total assets | 53.5395% | 4,682 |
| Net loans and leases to deposits | 67.3347% | 4,077 |
| Net loans and leases to core deposits | 70.6484% | 4,212 |
| Total domestic deposits to total assets | 79.5126% | 5,783 |
| Equity capital to assets | 11.3870% | 2,549 |
| Core capital (leverage) ratio | 9.0860% | 4,755 |
| Tier 1 risk-based capital ratio | 14.1193% | 4,300 |
| Total risk-based capital ratio | 15.3718% | 4,254 |
| Memoranda: | ||
| Average total assets | $1,165,184,600 | 567 |
| Average earning assets | $1,040,605,800 | 566 |
| Average equity | $133,497,000 | 538 |
| Average total loans | $638,828,800 | 649 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 3,423 |
| Cost of funding earning assets | 0.6159% | 4,491 |
| Net interest margin | 3.9352% | 2,777 |
| Noninterest income to average assets | 1.1778% | 1,091 |
| Noninterest expense to average assets | 3.2166% | 2,511 |
| Loan and lease loss provision to assets | 0.0489% | 5,155 |
| Net operating income to assets | 1.4265% | 1,167 |
| Return on assets (ROA) | 1.4126% | 1,312 |
| Pretax return on assets | 1.4126% | 2,190 |
| Return on Equity (ROE) | 12.3101% | 1,532 |
| Retained earnings to average equity (ytd only) | 3.7809% | 4,232 |
| Net charge-offs to loans | 0.2203% | 3,407 |
| Credit loss provision to net charge-offs | 40.4377% | 4,610 |
| Earnings coverage of net charge-offs (x) | 12.1922% | 2,019 |
| Efficiency ratio | 65.8838% | 4,468 |
| Assets per employee ($millions) | 3.8324% | 4,233 |
| Cash dividends to net income (ytd only)* | 69.2860% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 3,727 |
| Loan loss allowance to noncurrent loans | 79.1363% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.5491% | 3,264 |
| Noncurrent loans to loans | 1.9603% | 2,884 |
| Net loans and leases to total assets | 55.7820% | 4,492 |
| Net loans and leases to deposits | 70.6712% | 3,807 |
| Net loans and leases to core deposits | 74.6891% | 3,893 |
| Total domestic deposits to total assets | 78.9318% | 5,885 |
| Equity capital to assets | 11.7653% | 2,469 |
| Core capital (leverage) ratio | 9.2902% | 4,599 |
| Tier 1 risk-based capital ratio | 13.8921% | 4,616 |
| Total risk-based capital ratio | 15.1450% | 4,573 |
| Memoranda: | ||
| Average total assets | $1,157,924,250 | 572 |
| Average earning assets | $1,034,058,750 | 574 |
| Average equity | $132,874,500 | 544 |
| Average total loans | $636,075,000 | 651 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 3,512 |
| Cost of funding earning assets | 0.6382% | 4,546 |
| Net interest margin | 3.9250% | 2,811 |
| Noninterest income to average assets | 1.2657% | 892 |
| Noninterest expense to average assets | 3.2216% | 2,520 |
| Loan and lease loss provision to assets | 0.2092% | 2,987 |
| Net operating income to assets | 1.3381% | 1,337 |
| Return on assets (ROA) | 1.3259% | 1,519 |
| Pretax return on assets | 1.3259% | 2,459 |
| Return on Equity (ROE) | 11.6527% | 1,785 |
| Retained earnings to average equity (ytd only) | 3.2957% | 4,412 |
| Net charge-offs to loans | 0.3407% | 2,655 |
| Credit loss provision to net charge-offs | 112.9785% | 2,414 |
| Earnings coverage of net charge-offs (x) | 8.3567% | 2,309 |
| Efficiency ratio | 64.9253% | 4,732 |
| Assets per employee ($millions) | 3.7667% | 4,392 |
| Cash dividends to net income (ytd only)* | 71.7173% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 3,192 |
| Loan loss allowance to noncurrent loans | 80.3751% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 3,132 |
| Noncurrent loans to loans | 2.1258% | 2,793 |
| Net loans and leases to total assets | 54.7616% | 4,666 |
| Net loans and leases to deposits | 69.2657% | 4,003 |
| Net loans and leases to core deposits | 73.6341% | 4,076 |
| Total domestic deposits to total assets | 79.0602% | 5,950 |
| Equity capital to assets | 11.5691% | 2,525 |
| Core capital (leverage) ratio | 9.0251% | 4,874 |
| Tier 1 risk-based capital ratio | 13.7946% | 4,599 |
| Total risk-based capital ratio | 15.0497% | 4,569 |
| Memoranda: | ||
| Average total assets | $1,156,825,670 | 572 |
| Average earning assets | $1,032,516,000 | 573 |
| Average equity | $131,625,670 | 546 |
| Average total loans | $628,780,330 | 662 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5596% | 3,678 |
| Cost of funding earning assets | 0.6467% | 4,758 |
| Net interest margin | 3.9130% | 2,871 |
| Noninterest income to average assets | 1.0775% | 1,241 |
| Noninterest expense to average assets | 3.2040% | 2,579 |
| Loan and lease loss provision to assets | 0.2105% | 2,843 |
| Net operating income to assets | 1.1611% | 1,855 |
| Return on assets (ROA) | 1.1773% | 1,992 |
| Pretax return on assets | 1.1773% | 3,001 |
| Return on Equity (ROE) | 10.4339% | 2,258 |
| Retained earnings to average equity (ytd only) | 1.2572% | 5,590 |
| Net charge-offs to loans | 0.2186% | 2,833 |
| Credit loss provision to net charge-offs | 179.4118% | 1,438 |
| Earnings coverage of net charge-offs (x) | 11.6882% | 1,655 |
| Efficiency ratio | 67.2852% | 4,302 |
| Assets per employee ($millions) | 3.8810% | 4,237 |
| Cash dividends to net income (ytd only)* | 87.9507% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7988% | 2,995 |
| Loan loss allowance to noncurrent loans | 69.4763% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.9308% | 3,000 |
| Noncurrent loans to loans | 2.5891% | 2,517 |
| Net loans and leases to total assets | 51.5446% | 5,077 |
| Net loans and leases to deposits | 64.6624% | 4,546 |
| Net loans and leases to core deposits | 68.4833% | 4,630 |
| Total domestic deposits to total assets | 79.7134% | 5,921 |
| Equity capital to assets | 11.1475% | 2,760 |
| Core capital (leverage) ratio | 8.8945% | 5,000 |
| Tier 1 risk-based capital ratio | 13.7678% | 4,634 |
| Total risk-based capital ratio | 15.0183% | 4,618 |
| Memoranda: | ||
| Average total assets | $1,158,938,000 | 572 |
| Average earning assets | $1,036,045,500 | 570 |
| Average equity | $130,765,500 | 547 |
| Average total loans | $622,093,000 | 668 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 3,715 |
| Cost of funding earning assets | 0.7843% | 4,978 |
| Net interest margin | 4.0353% | 2,707 |
| Noninterest income to average assets | 1.1717% | 956 |
| Noninterest expense to average assets | 3.2649% | 2,638 |
| Loan and lease loss provision to assets | 0.6898% | 1,484 |
| Net operating income to assets | 0.8295% | 2,913 |
| Return on assets (ROA) | 0.8033% | 3,189 |
| Pretax return on assets | 0.8033% | 3,970 |
| Return on Equity (ROE) | 7.4401% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.4401% | 1,298 |
| Net charge-offs to loans | 1.2642% | 1,312 |
| Credit loss provision to net charge-offs | 98.7173% | 3,633 |
| Earnings coverage of net charge-offs (x) | 2.1743% | 4,157 |
| Efficiency ratio | 65.5806% | 4,851 |
| Assets per employee ($millions) | 3.7440% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 3,097 |
| Loan loss allowance to noncurrent loans | 65.9624% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.0830% | 2,862 |
| Noncurrent loans to loans | 2.6195% | 2,495 |
| Net loans and leases to total assets | 53.9537% | 5,045 |
| Net loans and leases to deposits | 68.1702% | 4,415 |
| Net loans and leases to core deposits | 72.0741% | 4,520 |
| Total domestic deposits to total assets | 79.1455% | 5,958 |
| Equity capital to assets | 11.4230% | 2,573 |
| Core capital (leverage) ratio | 8.9156% | 4,906 |
| Tier 1 risk-based capital ratio | 13.5361% | 4,672 |
| Total risk-based capital ratio | 14.7911% | 4,636 |
| Memoranda: | ||
| Average total assets | $1,138,060,200 | 575 |
| Average earning assets | $1,018,774,800 | 577 |
| Average equity | $122,874,400 | 566 |
| Average total loans | $629,023,000 | 660 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 3,819 |
| Cost of funding earning assets | 0.8150% | 5,051 |
| Net interest margin | 4.0279% | 2,789 |
| Noninterest income to average assets | 1.1836% | 943 |
| Noninterest expense to average assets | 3.2279% | 2,737 |
| Loan and lease loss provision to assets | 0.7622% | 1,241 |
| Net operating income to assets | 0.8017% | 3,155 |
| Return on assets (ROA) | 0.7855% | 3,398 |
| Pretax return on assets | 0.7855% | 4,183 |
| Return on Equity (ROE) | 7.3827% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.3827% | 1,784 |
| Net charge-offs to loans | 1.2246% | 1,275 |
| Credit loss provision to net charge-offs | 112.4178% | 2,907 |
| Earnings coverage of net charge-offs (x) | 2.3066% | 3,975 |
| Efficiency ratio | 64.7017% | 4,951 |
| Assets per employee ($millions) | 3.7938% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 2,680 |
| Loan loss allowance to noncurrent loans | 53.8817% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.3916% | 2,690 |
| Noncurrent loans to loans | 3.4854% | 1,973 |
| Net loans and leases to total assets | 53.3181% | 5,274 |
| Net loans and leases to deposits | 67.2796% | 4,727 |
| Net loans and leases to core deposits | 71.1626% | 4,822 |
| Total domestic deposits to total assets | 79.2486% | 5,938 |
| Equity capital to assets | 11.3446% | 2,819 |
| Core capital (leverage) ratio | 8.6856% | 5,432 |
| Tier 1 risk-based capital ratio | 13.3843% | 4,821 |
| Total risk-based capital ratio | 14.6410% | 4,783 |
| Memoranda: | ||
| Average total assets | $1,137,092,000 | 582 |
| Average earning assets | $1,018,601,250 | 581 |
| Average equity | $120,982,250 | 581 |
| Average total loans | $629,541,750 | 664 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 3,929 |
| Cost of funding earning assets | 0.8449% | 5,103 |
| Net interest margin | 3.9906% | 2,879 |
| Noninterest income to average assets | 1.1102% | 1,053 |
| Noninterest expense to average assets | 3.2746% | 2,653 |
| Loan and lease loss provision to assets | 0.7926% | 1,165 |
| Net operating income to assets | 0.6154% | 3,981 |
| Return on assets (ROA) | 0.5911% | 4,235 |
| Pretax return on assets | 0.5911% | 4,767 |
| Return on Equity (ROE) | 5.6820% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.6820% | 2,603 |
| Net charge-offs to loans | 1.4468% | 1,037 |
| Credit loss provision to net charge-offs | 98.3392% | 3,209 |
| Earnings coverage of net charge-offs (x) | 1.7469% | 3,994 |
| Efficiency ratio | 67.2033% | 4,663 |
| Assets per employee ($millions) | 3.6960% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 3,193 |
| Loan loss allowance to noncurrent loans | 49.8051% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.3324% | 2,822 |
| Noncurrent loans to loans | 3.4907% | 2,026 |
| Net loans and leases to total assets | 54.2674% | 5,256 |
| Net loans and leases to deposits | 68.2342% | 4,671 |
| Net loans and leases to core deposits | 73.2295% | 4,680 |
| Total domestic deposits to total assets | 79.5311% | 5,948 |
| Equity capital to assets | 10.9848% | 2,975 |
| Core capital (leverage) ratio | 8.3151% | 5,846 |
| Tier 1 risk-based capital ratio | 12.5552% | 5,285 |
| Total risk-based capital ratio | 13.8095% | 5,261 |
| Memoranda: | ||
| Average total assets | $1,135,482,000 | 586 |
| Average earning assets | $1,016,498,000 | 590 |
| Average equity | $118,127,330 | 592 |
| Average total loans | $632,554,330 | 674 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 4,138 |
| Cost of funding earning assets | 0.8682% | 5,152 |
| Net interest margin | 3.9140% | 3,072 |
| Noninterest income to average assets | 1.0136% | 1,288 |
| Noninterest expense to average assets | 3.2141% | 2,852 |
| Loan and lease loss provision to assets | 0.7910% | 1,076 |
| Net operating income to assets | 0.5175% | 4,418 |
| Return on assets (ROA) | 0.4964% | 4,586 |
| Pretax return on assets | 0.4964% | 5,042 |
| Return on Equity (ROE) | 4.9082% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.9082% | 3,250 |
| Net charge-offs to loans | 0.8967% | 1,473 |
| Credit loss provision to net charge-offs | 157.6734% | 1,827 |
| Earnings coverage of net charge-offs (x) | 2.6083% | 3,036 |
| Efficiency ratio | 68.2525% | 4,611 |
| Assets per employee ($millions) | 3.7395% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 2,783 |
| Loan loss allowance to noncurrent loans | 47.9509% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.5712% | 2,661 |
| Noncurrent loans to loans | 3.9033% | 1,881 |
| Net loans and leases to total assets | 53.8775% | 5,324 |
| Net loans and leases to deposits | 66.9380% | 4,835 |
| Net loans and leases to core deposits | 72.2023% | 4,760 |
| Total domestic deposits to total assets | 80.4887% | 5,818 |
| Equity capital to assets | 10.1234% | 3,624 |
| Core capital (leverage) ratio | 8.1733% | 6,008 |
| Tier 1 risk-based capital ratio | 12.1637% | 5,539 |
| Total risk-based capital ratio | 13.4200% | 5,530 |
| Memoranda: | ||
| Average total assets | $1,137,738,000 | 595 |
| Average earning assets | $1,020,020,500 | 596 |
| Average equity | $115,073,500 | 600 |
| Average total loans | $636,528,000 | 674 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 3,151 |
| Cost of funding earning assets | 1.0905% | 5,185 |
| Net interest margin | 4.2048% | 2,165 |
| Noninterest income to average assets | 1.1956% | 1,045 |
| Noninterest expense to average assets | 3.3598% | 2,557 |
| Loan and lease loss provision to assets | 1.1656% | 1,355 |
| Net operating income to assets | 0.3966% | 4,551 |
| Return on assets (ROA) | 0.1945% | 5,457 |
| Pretax return on assets | 0.1945% | 5,500 |
| Return on Equity (ROE) | 1.9191% | 5,411 |
| Retained earnings to average equity (ytd only) | 1.9191% | 4,518 |
| Net charge-offs to loans | 2.0225% | 995 |
| Credit loss provision to net charge-offs | 94.9390% | 4,896 |
| Earnings coverage of net charge-offs (x) | 1.2724% | 4,831 |
| Efficiency ratio | 65.6247% | 5,040 |
| Assets per employee ($millions) | 3.6025% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 3,230 |
| Loan loss allowance to noncurrent loans | 38.3738% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 2.7236% | 2,561 |
| Noncurrent loans to loans | 4.4194% | 1,616 |
| Net loans and leases to total assets | 56.0338% | 5,342 |
| Net loans and leases to deposits | 70.5639% | 4,746 |
| Net loans and leases to core deposits | 76.7474% | 4,614 |
| Total domestic deposits to total assets | 79.4087% | 5,992 |
| Equity capital to assets | 10.1050% | 3,609 |
| Core capital (leverage) ratio | 7.8754% | 6,352 |
| Tier 1 risk-based capital ratio | 11.5893% | 5,831 |
| Total risk-based capital ratio | 12.8435% | 5,841 |
| Memoranda: | ||
| Average total assets | $1,108,829,000 | 596 |
| Average earning assets | $982,677,200 | 608 |
| Average equity | $112,395,800 | 598 |
| Average total loans | $673,115,000 | 651 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3699% | 3,030 |
| Cost of funding earning assets | 1.1172% | 5,331 |
| Net interest margin | 4.2527% | 2,020 |
| Noninterest income to average assets | 1.2320% | 908 |
| Noninterest expense to average assets | 3.3752% | 2,369 |
| Loan and lease loss provision to assets | 1.0061% | 1,473 |
| Net operating income to assets | 0.6069% | 3,855 |
| Return on assets (ROA) | 0.5975% | 4,044 |
| Pretax return on assets | 0.5975% | 4,604 |
| Return on Equity (ROE) | 5.8899% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.8899% | 2,421 |
| Net charge-offs to loans | 1.3253% | 1,536 |
| Credit loss provision to net charge-offs | 123.1327% | 3,334 |
| Earnings coverage of net charge-offs (x) | 1.9741% | 4,236 |
| Efficiency ratio | 65.0563% | 5,043 |
| Assets per employee ($millions) | 3.6799% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9664% | 2,304 |
| Loan loss allowance to noncurrent loans | 51.7014% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.5281% | 2,836 |
| Noncurrent loans to loans | 3.8034% | 2,026 |
| Net loans and leases to total assets | 57.0818% | 5,403 |
| Net loans and leases to deposits | 71.9707% | 4,848 |
| Net loans and leases to core deposits | 79.3936% | 4,603 |
| Total domestic deposits to total assets | 79.3126% | 5,930 |
| Equity capital to assets | 9.9736% | 4,189 |
| Core capital (leverage) ratio | 8.0858% | 6,217 |
| Tier 1 risk-based capital ratio | 11.4308% | 5,991 |
| Total risk-based capital ratio | 12.6879% | 5,972 |
| Memoranda: | ||
| Average total assets | $1,103,237,500 | 598 |
| Average earning assets | $974,436,750 | 613 |
| Average equity | $111,918,000 | 590 |
| Average total loans | $680,197,000 | 642 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 2,656 |
| Cost of funding earning assets | 1.1508% | 5,396 |
| Net interest margin | 4.3194% | 1,707 |
| Noninterest income to average assets | 1.2389% | 845 |
| Noninterest expense to average assets | 3.3783% | 2,321 |
| Loan and lease loss provision to assets | 0.8417% | 1,727 |
| Net operating income to assets | 0.8196% | 2,879 |
| Return on assets (ROA) | 0.8476% | 2,893 |
| Pretax return on assets | 0.8476% | 3,715 |
| Return on Equity (ROE) | 8.3060% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.3060% | 1,328 |
| Net charge-offs to loans | 0.9555% | 1,928 |
| Credit loss provision to net charge-offs | 140.1225% | 2,858 |
| Earnings coverage of net charge-offs (x) | 2.7657% | 3,604 |
| Efficiency ratio | 64.4166% | 5,256 |
| Assets per employee ($millions) | 3.6359% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9238% | 2,360 |
| Loan loss allowance to noncurrent loans | 55.3421% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.5961% | 2,796 |
| Noncurrent loans to loans | 3.4761% | 2,280 |
| Net loans and leases to total assets | 59.0733% | 5,236 |
| Net loans and leases to deposits | 75.2972% | 4,465 |
| Net loans and leases to core deposits | 84.4249% | 4,084 |
| Total domestic deposits to total assets | 78.4535% | 6,160 |
| Equity capital to assets | 10.3634% | 3,572 |
| Core capital (leverage) ratio | 8.4931% | 5,419 |
| Tier 1 risk-based capital ratio | 11.2430% | 6,006 |
| Total risk-based capital ratio | 12.4991% | 5,983 |
| Memoranda: | ||
| Average total assets | $1,087,050,000 | 608 |
| Average earning assets | $956,512,000 | 624 |
| Average equity | $110,932,000 | 593 |
| Average total loans | $683,377,330 | 640 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5497% | 2,363 |
| Cost of funding earning assets | 1.1911% | 5,452 |
| Net interest margin | 4.3585% | 1,512 |
| Noninterest income to average assets | 1.1637% | 912 |
| Noninterest expense to average assets | 3.4198% | 2,182 |
| Loan and lease loss provision to assets | 0.8205% | 1,544 |
| Net operating income to assets | 0.7515% | 3,201 |
| Return on assets (ROA) | 0.7363% | 3,380 |
| Pretax return on assets | 0.7363% | 4,105 |
| Return on Equity (ROE) | 7.2735% | 3,212 |
| Retained earnings to average equity (ytd only) | 7.2735% | 2,024 |
| Net charge-offs to loans | 0.8216% | 1,888 |
| Credit loss provision to net charge-offs | 155.4770% | 2,298 |
| Earnings coverage of net charge-offs (x) | 2.9788% | 3,062 |
| Efficiency ratio | 65.8249% | 5,160 |
| Assets per employee ($millions) | 3.4778% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 2,703 |
| Loan loss allowance to noncurrent loans | 49.2577% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 2.6446% | 2,754 |
| Noncurrent loans to loans | 3.6737% | 2,165 |
| Net loans and leases to total assets | 62.2540% | 4,707 |
| Net loans and leases to deposits | 79.4954% | 3,746 |
| Net loans and leases to core deposits | 87.8784% | 3,638 |
| Total domestic deposits to total assets | 78.3115% | 6,241 |
| Equity capital to assets | 10.1347% | 3,696 |
| Core capital (leverage) ratio | 8.3323% | 5,685 |
| Tier 1 risk-based capital ratio | 10.4817% | 6,648 |
| Total risk-based capital ratio | 11.7363% | 6,637 |
| Memoranda: | ||
| Average total assets | $1,072,459,500 | 633 |
| Average earning assets | $941,969,000 | 650 |
| Average equity | $108,558,000 | 608 |
| Average total loans | $688,902,000 | 656 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8806% | 2,321 |
| Cost of funding earning assets | 1.4416% | 5,759 |
| Net interest margin | 4.4390% | 1,318 |
| Noninterest income to average assets | 1.1563% | 1,153 |
| Noninterest expense to average assets | 5.2753% | 440 |
| Loan and lease loss provision to assets | 2.0786% | 1,018 |
| Net operating income to assets | -2.3515% | 7,214 |
| Return on assets (ROA) | -2.5366% | 7,277 |
| Pretax return on assets | -2.5366% | 7,155 |
| Return on Equity (ROE) | -22.3079% | 7,216 |
| Retained earnings to average equity (ytd only) | -22.3079% | 7,186 |
| Net charge-offs to loans | 3.2307% | 631 |
| Credit loss provision to net charge-offs | 99.6292% | 5,597 |
| Earnings coverage of net charge-offs (x) | -0.1308% | 6,367 |
| Efficiency ratio | 66.9142% | 5,205 |
| Assets per employee ($millions) | 3.3544% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 2,967 |
| Loan loss allowance to noncurrent loans | 43.5568% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 2.7007% | 2,593 |
| Noncurrent loans to loans | 3.8561% | 1,929 |
| Net loans and leases to total assets | 63.9913% | 4,598 |
| Net loans and leases to deposits | 81.9686% | 3,620 |
| Net loans and leases to core deposits | 95.4418% | 4,522 |
| Total domestic deposits to total assets | 78.0680% | 6,198 |
| Equity capital to assets | 10.1098% | 3,607 |
| Core capital (leverage) ratio | 7.8710% | 6,354 |
| Tier 1 risk-based capital ratio | 10.0673% | 6,813 |
| Total risk-based capital ratio | 11.3208% | 6,780 |
| Memoranda: | ||
| Average total assets | $1,111,736,200 | 600 |
| Average earning assets | $963,232,200 | 628 |
| Average equity | $126,412,800 | 528 |
| Average total loans | $717,953,200 | 645 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8904% | 2,494 |
| Cost of funding earning assets | 1.4945% | 5,847 |
| Net interest margin | 4.3959% | 1,449 |
| Noninterest income to average assets | 1.1984% | 1,074 |
| Noninterest expense to average assets | 3.4416% | 2,446 |
| Loan and lease loss provision to assets | 1.5256% | 1,250 |
| Net operating income to assets | 0.0322% | 5,647 |
| Return on assets (ROA) | 0.0063% | 5,753 |
| Pretax return on assets | 0.0063% | 5,691 |
| Return on Equity (ROE) | 0.0539% | 5,758 |
| Retained earnings to average equity (ytd only) | 0.0539% | 5,181 |
| Net charge-offs to loans | 2.7133% | 665 |
| Credit loss provision to net charge-offs | 87.2270% | 5,559 |
| Earnings coverage of net charge-offs (x) | 0.8907% | 5,165 |
| Efficiency ratio | 66.2878% | 5,314 |
| Assets per employee ($millions) | 3.4600% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 4,160 |
| Loan loss allowance to noncurrent loans | 40.0635% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 2.6869% | 2,593 |
| Noncurrent loans to loans | 3.3941% | 2,218 |
| Net loans and leases to total assets | 63.2159% | 5,039 |
| Net loans and leases to deposits | 84.4760% | 3,573 |
| Net loans and leases to core deposits | 99.1813% | 4,462 |
| Total domestic deposits to total assets | 74.8330% | 6,804 |
| Equity capital to assets | 12.0904% | 2,194 |
| Core capital (leverage) ratio | 8.6311% | 5,254 |
| Tier 1 risk-based capital ratio | 10.6037% | 6,340 |
| Total risk-based capital ratio | 11.7910% | 6,387 |
| Memoranda: | ||
| Average total assets | $1,123,836,250 | 601 |
| Average earning assets | $971,730,500 | 634 |
| Average equity | $131,140,750 | 521 |
| Average total loans | $724,425,000 | 657 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9169% | 2,511 |
| Cost of funding earning assets | 1.5547% | 5,903 |
| Net interest margin | 4.3622% | 1,488 |
| Noninterest income to average assets | 1.1653% | 1,155 |
| Noninterest expense to average assets | 3.4314% | 2,534 |
| Loan and lease loss provision to assets | 1.4833% | 1,153 |
| Net operating income to assets | 0.0158% | 5,792 |
| Return on assets (ROA) | 0.0020% | 5,909 |
| Pretax return on assets | 0.0020% | 5,862 |
| Return on Equity (ROE) | 0.0169% | 5,914 |
| Retained earnings to average equity (ytd only) | 0.0169% | 5,195 |
| Net charge-offs to loans | 2.4861% | 699 |
| Credit loss provision to net charge-offs | 92.3851% | 4,851 |
| Earnings coverage of net charge-offs (x) | 0.9337% | 4,830 |
| Efficiency ratio | 67.0146% | 5,358 |
| Assets per employee ($millions) | 3.3148% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 2,991 |
| Loan loss allowance to noncurrent loans | 40.8352% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 2.7452% | 2,339 |
| Noncurrent loans to loans | 3.7689% | 1,823 |
| Net loans and leases to total assets | 62.6283% | 5,247 |
| Net loans and leases to deposits | 81.8851% | 4,244 |
| Net loans and leases to core deposits | 94.2984% | 5,082 |
| Total domestic deposits to total assets | 76.4832% | 6,441 |
| Equity capital to assets | 11.5456% | 2,513 |
| Core capital (leverage) ratio | 8.5601% | 5,335 |
| Tier 1 risk-based capital ratio | 10.6496% | 6,231 |
| Total risk-based capital ratio | 11.9017% | 6,166 |
| Memoranda: | ||
| Average total assets | $1,127,077,330 | 612 |
| Average earning assets | $972,810,000 | 647 |
| Average equity | $129,954,000 | 533 |
| Average total loans | $727,898,000 | 673 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8979% | 2,807 |
| Cost of funding earning assets | 1.5984% | 6,033 |
| Net interest margin | 4.2995% | 1,600 |
| Noninterest income to average assets | 1.1244% | 1,172 |
| Noninterest expense to average assets | 3.2537% | 2,783 |
| Loan and lease loss provision to assets | 1.4466% | 877 |
| Net operating income to assets | 0.1559% | 5,801 |
| Return on assets (ROA) | 0.1559% | 5,973 |
| Pretax return on assets | 0.1559% | 6,038 |
| Return on Equity (ROE) | 1.3534% | 6,021 |
| Retained earnings to average equity (ytd only) | 1.3534% | 5,090 |
| Net charge-offs to loans | 1.4625% | 988 |
| Credit loss provision to net charge-offs | 152.0208% | 2,745 |
| Earnings coverage of net charge-offs (x) | 1.6841% | 3,886 |
| Efficiency ratio | 64.3926% | 5,610 |
| Assets per employee ($millions) | 3.3003% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7815% | 1,897 |
| Loan loss allowance to noncurrent loans | 62.0583% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.1471% | 2,679 |
| Noncurrent loans to loans | 2.8706% | 2,274 |
| Net loans and leases to total assets | 63.2920% | 5,108 |
| Net loans and leases to deposits | 82.3636% | 4,226 |
| Net loans and leases to core deposits | 95.4681% | 5,024 |
| Total domestic deposits to total assets | 76.8446% | 6,321 |
| Equity capital to assets | 11.4315% | 2,631 |
| Core capital (leverage) ratio | 8.5161% | 5,497 |
| Tier 1 risk-based capital ratio | 10.5942% | 6,297 |
| Total risk-based capital ratio | 11.8492% | 6,212 |
| Memoranda: | ||
| Average total assets | $1,133,731,500 | 611 |
| Average earning assets | $984,013,500 | 636 |
| Average equity | $130,635,500 | 529 |
| Average total loans | $737,628,000 | 668 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6148% | 2,415 |
| Cost of funding earning assets | 2.1442% | 5,862 |
| Net interest margin | 4.4706% | 1,489 |
| Noninterest income to average assets | 1.1735% | 1,118 |
| Noninterest expense to average assets | 3.4440% | 2,543 |
| Loan and lease loss provision to assets | 0.7176% | 2,060 |
| Net operating income to assets | 0.8593% | 3,180 |
| Return on assets (ROA) | 0.5961% | 4,185 |
| Pretax return on assets | 0.5961% | 4,706 |
| Return on Equity (ROE) | 4.8468% | 4,454 |
| Retained earnings to average equity (ytd only) | -0.3759% | 5,397 |
| Net charge-offs to loans | 0.7612% | 1,629 |
| Credit loss provision to net charge-offs | 137.9816% | 3,859 |
| Earnings coverage of net charge-offs (x) | 3.0320% | 4,566 |
| Efficiency ratio | 65.9673% | 5,132 |
| Assets per employee ($millions) | 3.2722% | 5,282 |
| Cash dividends to net income (ytd only)* | 107.7564% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 2,428 |
| Loan loss allowance to noncurrent loans | 66.4450% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.7558% | 2,784 |
| Noncurrent loans to loans | 2.3392% | 2,363 |
| Net loans and leases to total assets | 64.6612% | 5,141 |
| Net loans and leases to deposits | 88.6710% | 3,691 |
| Net loans and leases to core deposits | 99.0716% | 4,919 |
| Total domestic deposits to total assets | 72.9226% | 6,844 |
| Equity capital to assets | 11.6134% | 2,560 |
| Core capital (leverage) ratio | 8.5357% | 5,507 |
| Tier 1 risk-based capital ratio | 10.8829% | 5,831 |
| Total risk-based capital ratio | 12.1329% | 5,743 |
| Memoranda: | ||
| Average total assets | $1,087,869,800 | 609 |
| Average earning assets | $936,231,000 | 640 |
| Average equity | $133,799,600 | 522 |
| Average total loans | $743,299,200 | 646 |