Home > First Financial Bank > Performance and Condition Ratios
First Financial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1145% | 554 |
| Cost of funding earning assets | 2.1086% | 764 |
| Net interest margin | 4.0059% | 1,195 |
| Noninterest income to average assets | 1.6700% | 329 |
| Noninterest expense to average assets | 3.4935% | 577 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.6080% | 854 |
| Return on assets (ROA) | 1.6212% | 804 |
| Pretax return on assets | 1.6212% | 1,195 |
| Return on Equity (ROE) | 13.2900% | 1,649 |
| Retained earnings to average equity (ytd only) | 4.4826% | 2,798 |
| Net charge-offs to loans | 0.1067% | 865 |
| Credit loss provision to net charge-offs | 233.2560% | 1,121 |
| Earnings coverage of net charge-offs (x) | 21.6914% | 1,833 |
| Efficiency ratio | 64.9496% | 2,490 |
| Assets per employee ($millions) | 4.9776% | 3,656 |
| Cash dividends to net income (ytd only)* | 66.2708% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,338 |
| Loan loss allowance to noncurrent loans | 46.8180% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 2.1910% | 118 |
| Noncurrent loans to loans | 2.1265% | 256 |
| Net loans and leases to total assets | 79.4500% | 708 |
| Net loans and leases to deposits | 100.2941% | 521 |
| Net loans and leases to core deposits | 118.9574% | 654 |
| Total domestic deposits to total assets | 79.2100% | 3,581 |
| Equity capital to assets | 11.7388% | 1,215 |
| Core capital (leverage) ratio | 11.4229% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,542,711,800 | 703 |
| Average earning assets | $1,402,563,200 | 700 |
| Average equity | $188,195,000 | 566 |
| Average total loans | $1,211,771,600 | 625 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9169% | 590 |
| Cost of funding earning assets | 1.9238% | 825 |
| Net interest margin | 3.9931% | 1,226 |
| Noninterest income to average assets | 1.7500% | 339 |
| Noninterest expense to average assets | 3.5332% | 536 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.6442% | 871 |
| Return on assets (ROA) | 1.6537% | 848 |
| Pretax return on assets | 1.6537% | 1,251 |
| Return on Equity (ROE) | 13.4200% | 1,816 |
| Retained earnings to average equity (ytd only) | 5.1946% | 2,872 |
| Net charge-offs to loans | 0.1180% | 680 |
| Credit loss provision to net charge-offs | 213.1931% | 1,078 |
| Earnings coverage of net charge-offs (x) | 20.0287% | 1,817 |
| Efficiency ratio | 64.8671% | 2,405 |
| Assets per employee ($millions) | 4.7798% | 3,753 |
| Cash dividends to net income (ytd only)* | 61.2845% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 3,440 |
| Loan loss allowance to noncurrent loans | 45.5419% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 2.3540% | 104 |
| Noncurrent loans to loans | 2.1624% | 258 |
| Net loans and leases to total assets | 79.5300% | 699 |
| Net loans and leases to deposits | 99.5297% | 540 |
| Net loans and leases to core deposits | 117.5015% | 622 |
| Total domestic deposits to total assets | 79.9000% | 3,546 |
| Equity capital to assets | 11.6814% | 1,131 |
| Core capital (leverage) ratio | 11.6594% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,514,002,000 | 718 |
| Average earning assets | $1,375,075,250 | 714 |
| Average equity | $186,599,750 | 566 |
| Average total loans | $1,182,192,250 | 640 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7738% | 573 |
| Cost of funding earning assets | 1.6553% | 957 |
| Net interest margin | 4.1185% | 1,056 |
| Noninterest income to average assets | 1.8700% | 256 |
| Noninterest expense to average assets | 3.5724% | 489 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.8255% | 627 |
| Return on assets (ROA) | 1.8364% | 618 |
| Pretax return on assets | 1.8364% | 953 |
| Return on Equity (ROE) | 14.6200% | 1,549 |
| Retained earnings to average equity (ytd only) | 6.1493% | 2,571 |
| Net charge-offs to loans | 0.1535% | 508 |
| Credit loss provision to net charge-offs | 164.7727% | 1,143 |
| Earnings coverage of net charge-offs (x) | 17.0898% | 1,809 |
| Efficiency ratio | 62.9797% | 2,593 |
| Assets per employee ($millions) | 4.6152% | 3,881 |
| Cash dividends to net income (ytd only)* | 57.9515% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,420 |
| Loan loss allowance to noncurrent loans | 48.4646% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 2.1778% | 122 |
| Noncurrent loans to loans | 2.0630% | 260 |
| Net loans and leases to total assets | 76.9600% | 953 |
| Net loans and leases to deposits | 96.7578% | 688 |
| Net loans and leases to core deposits | 111.7784% | 756 |
| Total domestic deposits to total assets | 79.5400% | 3,647 |
| Equity capital to assets | 12.1357% | 1,012 |
| Core capital (leverage) ratio | 12.2699% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,483,331,667 | 716 |
| Average earning assets | $1,345,017,667 | 719 |
| Average equity | $186,264,667 | 558 |
| Average total loans | $1,146,279,333 | 643 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 402 |
| Cost of funding earning assets | 1.4371% | 960 |
| Net interest margin | 4.3901% | 696 |
| Noninterest income to average assets | 2.1000% | 219 |
| Noninterest expense to average assets | 3.7044% | 442 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 2.1021% | 424 |
| Return on assets (ROA) | 2.1167% | 411 |
| Pretax return on assets | 2.1167% | 639 |
| Return on Equity (ROE) | 16.5600% | 1,251 |
| Retained earnings to average equity (ytd only) | 6.6392% | 2,607 |
| Net charge-offs to loans | 0.2443% | 312 |
| Credit loss provision to net charge-offs | 132.1586% | 998 |
| Earnings coverage of net charge-offs (x) | 12.5639% | 1,607 |
| Efficiency ratio | 60.2687% | 2,926 |
| Assets per employee ($millions) | 4.2518% | 4,143 |
| Cash dividends to net income (ytd only)* | 59.9034% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,299 |
| Loan loss allowance to noncurrent loans | 47.7932% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.3793% | 83 |
| Noncurrent loans to loans | 2.1948% | 241 |
| Net loans and leases to total assets | 75.9300% | 978 |
| Net loans and leases to deposits | 92.1286% | 908 |
| Net loans and leases to core deposits | 106.0203% | 834 |
| Total domestic deposits to total assets | 82.4100% | 3,419 |
| Equity capital to assets | 12.8660% | 793 |
| Core capital (leverage) ratio | 12.4280% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,447,342,000 | 735 |
| Average earning assets | $1,309,569,500 | 746 |
| Average equity | $185,023,000 | 570 |
| Average total loans | $1,114,869,000 | 661 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 763 |
| Cost of funding earning assets | 0.5630% | 1,048 |
| Net interest margin | 3.9074% | 941 |
| Noninterest income to average assets | 1.9300% | 259 |
| Noninterest expense to average assets | 3.6551% | 428 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.8048% | 441 |
| Return on assets (ROA) | 1.8029% | 425 |
| Pretax return on assets | 1.8029% | 730 |
| Return on Equity (ROE) | 14.5000% | 1,402 |
| Retained earnings to average equity (ytd only) | 5.1097% | 2,997 |
| Net charge-offs to loans | 0.0795% | 857 |
| Credit loss provision to net charge-offs | 75.6036% | 1,698 |
| Earnings coverage of net charge-offs (x) | 34.7522% | 1,590 |
| Efficiency ratio | 65.6286% | 2,278 |
| Assets per employee ($millions) | 4.2748% | 4,154 |
| Cash dividends to net income (ytd only)* | 64.7609% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,218 |
| Loan loss allowance to noncurrent loans | 36.1374% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.6425% | 69 |
| Noncurrent loans to loans | 2.8436% | 152 |
| Net loans and leases to total assets | 76.5400% | 956 |
| Net loans and leases to deposits | 91.5656% | 942 |
| Net loans and leases to core deposits | 104.6187% | 801 |
| Total domestic deposits to total assets | 83.5900% | 3,297 |
| Equity capital to assets | 12.7000% | 767 |
| Core capital (leverage) ratio | 12.5310% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,482,404,200 | 709 |
| Average earning assets | $1,354,650,600 | 708 |
| Average equity | $184,315,000 | 564 |
| Average total loans | $990,442,800 | 687 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 862 |
| Cost of funding earning assets | 0.4754% | 860 |
| Net interest margin | 3.7404% | 1,052 |
| Noninterest income to average assets | 1.9700% | 272 |
| Noninterest expense to average assets | 3.6319% | 429 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.7124% | 516 |
| Return on assets (ROA) | 1.7067% | 511 |
| Pretax return on assets | 1.7067% | 893 |
| Return on Equity (ROE) | 13.8000% | 1,483 |
| Retained earnings to average equity (ytd only) | 6.1856% | 2,685 |
| Net charge-offs to loans | 0.0825% | 727 |
| Credit loss provision to net charge-offs | 94.2761% | 1,362 |
| Earnings coverage of net charge-offs (x) | 33.2441% | 1,475 |
| Efficiency ratio | 66.4913% | 2,217 |
| Assets per employee ($millions) | 4.1459% | 4,256 |
| Cash dividends to net income (ytd only)* | 55.1692% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,076 |
| Loan loss allowance to noncurrent loans | 34.3047% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 2.8511% | 60 |
| Noncurrent loans to loans | 3.1720% | 144 |
| Net loans and leases to total assets | 74.1900% | 1,080 |
| Net loans and leases to deposits | 88.3833% | 1,008 |
| Net loans and leases to core deposits | 99.5178% | 835 |
| Total domestic deposits to total assets | 83.9400% | 3,519 |
| Equity capital to assets | 12.7074% | 731 |
| Core capital (leverage) ratio | 12.2907% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,493,923,750 | 709 |
| Average earning assets | $1,368,659,000 | 705 |
| Average equity | $184,790,500 | 567 |
| Average total loans | $960,368,250 | 708 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 1,173 |
| Cost of funding earning assets | 0.4819% | 580 |
| Net interest margin | 3.3879% | 1,640 |
| Noninterest income to average assets | 2.0411% | 227 |
| Noninterest expense to average assets | 3.5285% | 434 |
| Loan and lease loss provision to assets | 0.0507% | 1,675 |
| Net operating income to assets | 1.5742% | 584 |
| Return on assets (ROA) | 1.5652% | 580 |
| Pretax return on assets | 1.5652% | 1,019 |
| Return on Equity (ROE) | 12.7625% | 1,446 |
| Retained earnings to average equity (ytd only) | 6.2417% | 2,261 |
| Net charge-offs to loans | 0.0765% | 704 |
| Credit loss provision to net charge-offs | 108.7571% | 1,230 |
| Earnings coverage of net charge-offs (x) | 34.8672% | 1,328 |
| Efficiency ratio | 67.6093% | 2,293 |
| Assets per employee ($millions) | 4.3494% | 4,178 |
| Cash dividends to net income (ytd only)* | 51.0934% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,740 |
| Loan loss allowance to noncurrent loans | 34.6515% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 2.7568% | 72 |
| Noncurrent loans to loans | 3.4339% | 134 |
| Net loans and leases to total assets | 65.7322% | 1,729 |
| Net loans and leases to deposits | 78.5262% | 1,498 |
| Net loans and leases to core deposits | 89.4812% | 1,149 |
| Total domestic deposits to total assets | 83.7074% | 3,742 |
| Equity capital to assets | 12.5487% | 752 |
| Core capital (leverage) ratio | 11.4698% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,519,264,333 | 690 |
| Average earning assets | $1,395,685,000 | 693 |
| Average equity | $186,327,667 | 572 |
| Average total loans | $926,007,000 | 718 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 1,245 |
| Cost of funding earning assets | 0.5272% | 431 |
| Net interest margin | 3.1860% | 1,926 |
| Noninterest income to average assets | 2.1445% | 217 |
| Noninterest expense to average assets | 3.4519% | 442 |
| Loan and lease loss provision to assets | 0.0479% | 1,511 |
| Net operating income to assets | 1.5789% | 535 |
| Return on assets (ROA) | 1.5688% | 549 |
| Pretax return on assets | 1.5688% | 881 |
| Return on Equity (ROE) | 12.9345% | 1,049 |
| Retained earnings to average equity (ytd only) | 4.8042% | 2,662 |
| Net charge-offs to loans | 0.0524% | 765 |
| Credit loss provision to net charge-offs | 156.7797% | 846 |
| Earnings coverage of net charge-offs (x) | 53.2119% | 905 |
| Efficiency ratio | 67.1054% | 2,618 |
| Assets per employee ($millions) | 4.5282% | 4,118 |
| Cash dividends to net income (ytd only)* | 62.8571% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,350 |
| Loan loss allowance to noncurrent loans | 32.9346% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.7522% | 75 |
| Noncurrent loans to loans | 3.9564% | 99 |
| Net loans and leases to total assets | 57.2603% | 2,384 |
| Net loans and leases to deposits | 68.7134% | 2,080 |
| Net loans and leases to core deposits | 79.4850% | 1,523 |
| Total domestic deposits to total assets | 83.3320% | 3,897 |
| Equity capital to assets | 11.9965% | 957 |
| Core capital (leverage) ratio | 10.9949% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,543,840,500 | 684 |
| Average earning assets | $1,421,856,000 | 687 |
| Average equity | $187,251,500 | 584 |
| Average total loans | $900,023,500 | 726 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 1,411 |
| Cost of funding earning assets | 0.7798% | 222 |
| Net interest margin | 3.1981% | 2,601 |
| Noninterest income to average assets | 2.3133% | 253 |
| Noninterest expense to average assets | 3.4564% | 513 |
| Loan and lease loss provision to assets | 0.0582% | 1,896 |
| Net operating income to assets | 1.7515% | 569 |
| Return on assets (ROA) | 1.7598% | 582 |
| Pretax return on assets | 1.7598% | 1,002 |
| Return on Equity (ROE) | 14.7751% | 1,001 |
| Retained earnings to average equity (ytd only) | 5.0751% | 2,754 |
| Net charge-offs to loans | 0.2025% | 472 |
| Credit loss provision to net charge-offs | 47.8077% | 2,148 |
| Earnings coverage of net charge-offs (x) | 14.8648% | 2,018 |
| Efficiency ratio | 64.8120% | 2,431 |
| Assets per employee ($millions) | 4.3358% | 4,250 |
| Cash dividends to net income (ytd only)* | 65.6507% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,441 |
| Loan loss allowance to noncurrent loans | 30.6154% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.8739% | 81 |
| Noncurrent loans to loans | 4.1925% | 95 |
| Net loans and leases to total assets | 57.8274% | 2,395 |
| Net loans and leases to deposits | 69.9918% | 2,134 |
| Net loans and leases to core deposits | 82.1133% | 1,451 |
| Total domestic deposits to total assets | 82.6202% | 3,880 |
| Equity capital to assets | 12.2615% | 1,147 |
| Core capital (leverage) ratio | 10.7269% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,554,931,600 | 668 |
| Average earning assets | $1,435,647,200 | 666 |
| Average equity | $185,197,000 | 586 |
| Average total loans | $934,939,600 | 699 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 1,438 |
| Cost of funding earning assets | 0.8209% | 219 |
| Net interest margin | 3.2240% | 2,656 |
| Noninterest income to average assets | 2.3053% | 272 |
| Noninterest expense to average assets | 3.4118% | 521 |
| Loan and lease loss provision to assets | 0.0625% | 1,751 |
| Net operating income to assets | 1.8072% | 655 |
| Return on assets (ROA) | 1.8149% | 673 |
| Pretax return on assets | 1.8149% | 1,131 |
| Return on Equity (ROE) | 15.3498% | 1,075 |
| Retained earnings to average equity (ytd only) | 7.4469% | 2,251 |
| Net charge-offs to loans | 0.1772% | 489 |
| Credit loss provision to net charge-offs | 58.2602% | 1,815 |
| Earnings coverage of net charge-offs (x) | 17.4342% | 1,813 |
| Efficiency ratio | 63.7788% | 2,421 |
| Assets per employee ($millions) | 4.3338% | 4,240 |
| Cash dividends to net income (ytd only)* | 51.4856% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,478 |
| Loan loss allowance to noncurrent loans | 31.5507% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 2.8555% | 94 |
| Noncurrent loans to loans | 4.1239% | 123 |
| Net loans and leases to total assets | 58.8534% | 2,388 |
| Net loans and leases to deposits | 71.3701% | 2,118 |
| Net loans and leases to core deposits | 84.2705% | 1,404 |
| Total domestic deposits to total assets | 82.4622% | 3,832 |
| Equity capital to assets | 12.2163% | 1,304 |
| Core capital (leverage) ratio | 10.7660% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,557,775,000 | 671 |
| Average earning assets | $1,438,060,000 | 671 |
| Average equity | $184,180,500 | 593 |
| Average total loans | $942,623,250 | 709 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 1,857 |
| Cost of funding earning assets | 0.8582% | 222 |
| Net interest margin | 3.0255% | 3,258 |
| Noninterest income to average assets | 2.2488% | 282 |
| Noninterest expense to average assets | 3.3846% | 547 |
| Loan and lease loss provision to assets | 0.0578% | 1,875 |
| Net operating income to assets | 1.6010% | 1,046 |
| Return on assets (ROA) | 1.6092% | 1,087 |
| Pretax return on assets | 1.6092% | 1,711 |
| Return on Equity (ROE) | 13.7626% | 1,489 |
| Retained earnings to average equity (ytd only) | 6.0268% | 2,790 |
| Net charge-offs to loans | 0.1752% | 481 |
| Credit loss provision to net charge-offs | 54.2169% | 1,586 |
| Earnings coverage of net charge-offs (x) | 15.5723% | 1,633 |
| Efficiency ratio | 66.2527% | 2,114 |
| Assets per employee ($millions) | 4.3460% | 4,222 |
| Cash dividends to net income (ytd only)* | 56.2086% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,338 |
| Loan loss allowance to noncurrent loans | 31.7057% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 3.0659% | 87 |
| Noncurrent loans to loans | 4.1639% | 126 |
| Net loans and leases to total assets | 58.8424% | 2,561 |
| Net loans and leases to deposits | 71.2294% | 2,275 |
| Net loans and leases to core deposits | 83.9967% | 1,562 |
| Total domestic deposits to total assets | 82.6097% | 3,787 |
| Equity capital to assets | 11.9403% | 1,396 |
| Core capital (leverage) ratio | 10.3726% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,558,420,667 | 665 |
| Average earning assets | $1,439,444,000 | 664 |
| Average equity | $182,218,667 | 594 |
| Average total loans | $947,586,333 | 709 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 1,499 |
| Cost of funding earning assets | 0.8977% | 225 |
| Net interest margin | 3.1586% | 2,810 |
| Noninterest income to average assets | 2.0501% | 358 |
| Noninterest expense to average assets | 3.3690% | 547 |
| Loan and lease loss provision to assets | 0.0512% | 2,079 |
| Net operating income to assets | 1.5520% | 1,212 |
| Return on assets (ROA) | 1.5697% | 1,237 |
| Pretax return on assets | 1.5697% | 1,803 |
| Return on Equity (ROE) | 13.5672% | 1,521 |
| Retained earnings to average equity (ytd only) | 5.6890% | 3,007 |
| Net charge-offs to loans | 0.1715% | 467 |
| Credit loss provision to net charge-offs | 48.6618% | 1,315 |
| Earnings coverage of net charge-offs (x) | 15.2311% | 1,344 |
| Efficiency ratio | 66.8864% | 2,098 |
| Assets per employee ($millions) | 4.3864% | 4,204 |
| Cash dividends to net income (ytd only)* | 58.0682% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,418 |
| Loan loss allowance to noncurrent loans | 39.0335% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 2.6951% | 133 |
| Noncurrent loans to loans | 3.3426% | 216 |
| Net loans and leases to total assets | 60.1538% | 2,527 |
| Net loans and leases to deposits | 72.9227% | 2,222 |
| Net loans and leases to core deposits | 85.6136% | 1,550 |
| Total domestic deposits to total assets | 82.4898% | 3,800 |
| Equity capital to assets | 11.6862% | 1,449 |
| Core capital (leverage) ratio | 10.2709% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,561,870,500 | 653 |
| Average earning assets | $1,444,953,500 | 651 |
| Average equity | $180,700,000 | 594 |
| Average total loans | $958,796,500 | 698 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 679 |
| Cost of funding earning assets | 1.1615% | 327 |
| Net interest margin | 3.6829% | 1,859 |
| Noninterest income to average assets | 2.3052% | 272 |
| Noninterest expense to average assets | 3.5332% | 660 |
| Loan and lease loss provision to assets | 0.2908% | 1,304 |
| Net operating income to assets | 1.8571% | 346 |
| Return on assets (ROA) | 1.8555% | 369 |
| Pretax return on assets | 1.8555% | 605 |
| Return on Equity (ROE) | 15.9199% | 513 |
| Retained earnings to average equity (ytd only) | 6.7160% | 1,501 |
| Net charge-offs to loans | 0.2719% | 633 |
| Credit loss provision to net charge-offs | 152.9349% | 2,410 |
| Earnings coverage of net charge-offs (x) | 11.2970% | 2,409 |
| Efficiency ratio | 61.3945% | 3,244 |
| Assets per employee ($millions) | 4.4505% | 3,968 |
| Cash dividends to net income (ytd only)* | 57.8137% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,408 |
| Loan loss allowance to noncurrent loans | 33.4165% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 3.0792% | 115 |
| Noncurrent loans to loans | 3.8914% | 147 |
| Net loans and leases to total assets | 61.0199% | 2,728 |
| Net loans and leases to deposits | 74.5747% | 2,425 |
| Net loans and leases to core deposits | 87.4704% | 1,748 |
| Total domestic deposits to total assets | 81.8238% | 3,701 |
| Equity capital to assets | 11.4534% | 1,920 |
| Core capital (leverage) ratio | 10.1326% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,487,422,600 | 621 |
| Average earning assets | $1,363,423,000 | 617 |
| Average equity | $173,361,200 | 584 |
| Average total loans | $1,040,277,000 | 613 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9782% | 629 |
| Cost of funding earning assets | 1.2098% | 355 |
| Net interest margin | 3.7683% | 1,715 |
| Noninterest income to average assets | 2.1682% | 295 |
| Noninterest expense to average assets | 3.5970% | 617 |
| Loan and lease loss provision to assets | 0.3339% | 1,161 |
| Net operating income to assets | 1.6837% | 594 |
| Return on assets (ROA) | 1.6789% | 673 |
| Pretax return on assets | 1.6789% | 1,010 |
| Return on Equity (ROE) | 14.3389% | 816 |
| Retained earnings to average equity (ytd only) | 8.4167% | 1,165 |
| Net charge-offs to loans | 0.3015% | 520 |
| Credit loss provision to net charge-offs | 153.5729% | 2,306 |
| Earnings coverage of net charge-offs (x) | 9.2804% | 2,438 |
| Efficiency ratio | 63.2471% | 2,874 |
| Assets per employee ($millions) | 4.2979% | 4,047 |
| Cash dividends to net income (ytd only)* | 41.3019% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,852 |
| Loan loss allowance to noncurrent loans | 33.7257% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 3.1427% | 137 |
| Noncurrent loans to loans | 3.4629% | 237 |
| Net loans and leases to total assets | 69.0490% | 2,101 |
| Net loans and leases to deposits | 84.9492% | 1,814 |
| Net loans and leases to core deposits | 99.1278% | 1,228 |
| Total domestic deposits to total assets | 81.2826% | 3,592 |
| Equity capital to assets | 11.7687% | 1,829 |
| Core capital (leverage) ratio | 10.1596% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,467,638,500 | 608 |
| Average earning assets | $1,342,203,750 | 610 |
| Average equity | $171,845,500 | 580 |
| Average total loans | $1,058,219,750 | 596 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 661 |
| Cost of funding earning assets | 1.2525% | 430 |
| Net interest margin | 3.8708% | 1,645 |
| Noninterest income to average assets | 1.9838% | 291 |
| Noninterest expense to average assets | 3.7107% | 565 |
| Loan and lease loss provision to assets | 0.3170% | 1,348 |
| Net operating income to assets | 1.4859% | 947 |
| Return on assets (ROA) | 1.4788% | 1,046 |
| Pretax return on assets | 1.4788% | 1,506 |
| Return on Equity (ROE) | 12.6525% | 1,177 |
| Retained earnings to average equity (ytd only) | 7.5997% | 1,433 |
| Net charge-offs to loans | 0.3203% | 505 |
| Credit loss provision to net charge-offs | 135.7733% | 2,200 |
| Earnings coverage of net charge-offs (x) | 7.7220% | 2,346 |
| Efficiency ratio | 66.4592% | 2,449 |
| Assets per employee ($millions) | 4.2104% | 4,096 |
| Cash dividends to net income (ytd only)* | 39.9348% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 3,170 |
| Loan loss allowance to noncurrent loans | 27.7955% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 3.3522% | 124 |
| Noncurrent loans to loans | 3.8894% | 179 |
| Net loans and leases to total assets | 71.0426% | 1,861 |
| Net loans and leases to deposits | 87.1126% | 1,652 |
| Net loans and leases to core deposits | 101.3563% | 1,161 |
| Total domestic deposits to total assets | 81.5526% | 3,486 |
| Equity capital to assets | 11.5374% | 1,947 |
| Core capital (leverage) ratio | 10.0323% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,451,137,000 | 606 |
| Average earning assets | $1,323,284,000 | 605 |
| Average equity | $169,611,333 | 586 |
| Average total loans | $1,057,642,667 | 585 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3768% | 474 |
| Cost of funding earning assets | 1.3096% | 551 |
| Net interest margin | 4.0673% | 1,205 |
| Noninterest income to average assets | 2.0584% | 258 |
| Noninterest expense to average assets | 3.8247% | 600 |
| Loan and lease loss provision to assets | 0.2600% | 1,199 |
| Net operating income to assets | 1.6612% | 550 |
| Return on assets (ROA) | 1.6410% | 630 |
| Pretax return on assets | 1.6410% | 972 |
| Return on Equity (ROE) | 13.9444% | 709 |
| Retained earnings to average equity (ytd only) | 6.5876% | 1,684 |
| Net charge-offs to loans | 0.2836% | 516 |
| Credit loss provision to net charge-offs | 124.8313% | 1,694 |
| Earnings coverage of net charge-offs (x) | 9.2240% | 1,828 |
| Efficiency ratio | 65.7372% | 3,003 |
| Assets per employee ($millions) | 3.7911% | 4,178 |
| Cash dividends to net income (ytd only)* | 52.7578% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,266 |
| Loan loss allowance to noncurrent loans | 26.8986% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 3.4229% | 145 |
| Noncurrent loans to loans | 4.0497% | 190 |
| Net loans and leases to total assets | 71.6693% | 1,969 |
| Net loans and leases to deposits | 89.0763% | 1,629 |
| Net loans and leases to core deposits | 104.9340% | 1,122 |
| Total domestic deposits to total assets | 80.4583% | 3,767 |
| Equity capital to assets | 11.8365% | 2,190 |
| Core capital (leverage) ratio | 10.2356% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,423,051,000 | 599 |
| Average earning assets | $1,290,207,000 | 596 |
| Average equity | $167,465,000 | 591 |
| Average total loans | $1,045,197,000 | 574 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8850% | 270 |
| Cost of funding earning assets | 1.4923% | 405 |
| Net interest margin | 4.3927% | 902 |
| Noninterest income to average assets | 2.4179% | 210 |
| Noninterest expense to average assets | 3.9037% | 598 |
| Loan and lease loss provision to assets | 0.2034% | 999 |
| Net operating income to assets | 2.3601% | 165 |
| Return on assets (ROA) | 2.3640% | 175 |
| Pretax return on assets | 2.3640% | 265 |
| Return on Equity (ROE) | 18.7559% | 285 |
| Retained earnings to average equity (ytd only) | -19.0969% | 5,131 |
| Net charge-offs to loans | 0.1804% | 1,114 |
| Credit loss provision to net charge-offs | 136.1753% | 1,887 |
| Earnings coverage of net charge-offs (x) | 17.1646% | 2,126 |
| Efficiency ratio | 59.9694% | 3,700 |
| Assets per employee ($millions) | 3.6706% | 4,292 |
| Cash dividends to net income (ytd only)* | 201.8178% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,204 |
| Loan loss allowance to noncurrent loans | 35.6164% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.8782% | 193 |
| Noncurrent loans to loans | 2.9539% | 326 |
| Net loans and leases to total assets | 73.6621% | 1,807 |
| Net loans and leases to deposits | 91.4426% | 1,437 |
| Net loans and leases to core deposits | 106.9628% | 1,051 |
| Total domestic deposits to total assets | 80.5555% | 3,866 |
| Equity capital to assets | 11.6990% | 2,354 |
| Core capital (leverage) ratio | 10.0897% | 3,422 |
| Tier 1 risk-based capital ratio | 16.1183% | 2,365 |
| Total risk-based capital ratio | 17.3688% | 2,311 |
| Memoranda: | ||
| Average total assets | $1,130,924,000 | 701 |
| Average earning assets | $1,042,498,400 | 698 |
| Average equity | $142,541,800 | 655 |
| Average total loans | $936,006,600 | 612 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9814% | 246 |
| Cost of funding earning assets | 1.5588% | 343 |
| Net interest margin | 4.4226% | 900 |
| Noninterest income to average assets | 2.4583% | 206 |
| Noninterest expense to average assets | 3.9089% | 589 |
| Loan and lease loss provision to assets | 0.2045% | 859 |
| Net operating income to assets | 2.4419% | 179 |
| Return on assets (ROA) | 2.4471% | 187 |
| Pretax return on assets | 2.4471% | 278 |
| Return on Equity (ROE) | 18.9604% | 317 |
| Retained earnings to average equity (ytd only) | 8.1097% | 1,348 |
| Net charge-offs to loans | 0.1889% | 906 |
| Credit loss provision to net charge-offs | 126.5576% | 1,865 |
| Earnings coverage of net charge-offs (x) | 16.3769% | 2,144 |
| Efficiency ratio | 59.3284% | 3,765 |
| Assets per employee ($millions) | 3.4449% | 4,554 |
| Cash dividends to net income (ytd only)* | 57.2281% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,538 |
| Loan loss allowance to noncurrent loans | 44.9794% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 3.2203% | 165 |
| Noncurrent loans to loans | 2.6565% | 412 |
| Net loans and leases to total assets | 83.5662% | 397 |
| Net loans and leases to deposits | 108.2790% | 259 |
| Net loans and leases to core deposits | 129.4579% | 299 |
| Total domestic deposits to total assets | 77.1767% | 4,489 |
| Equity capital to assets | 13.1686% | 1,532 |
| Core capital (leverage) ratio | 12.7496% | 1,464 |
| Tier 1 risk-based capital ratio | 20.0702% | 1,349 |
| Total risk-based capital ratio | 21.3248% | 1,320 |
| Memoranda: | ||
| Average total assets | $1,059,442,500 | 746 |
| Average earning assets | $981,417,250 | 741 |
| Average equity | $136,738,000 | 675 |
| Average total loans | $906,313,750 | 639 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9096% | 279 |
| Cost of funding earning assets | 1.5365% | 337 |
| Net interest margin | 4.3731% | 990 |
| Noninterest income to average assets | 2.3457% | 213 |
| Noninterest expense to average assets | 3.8550% | 628 |
| Loan and lease loss provision to assets | 0.1848% | 962 |
| Net operating income to assets | 2.3627% | 186 |
| Return on assets (ROA) | 2.3673% | 191 |
| Pretax return on assets | 2.3673% | 306 |
| Return on Equity (ROE) | 18.4685% | 356 |
| Retained earnings to average equity (ytd only) | 8.8417% | 1,082 |
| Net charge-offs to loans | 0.1831% | 900 |
| Credit loss provision to net charge-offs | 117.4699% | 1,770 |
| Earnings coverage of net charge-offs (x) | 16.1976% | 1,945 |
| Efficiency ratio | 59.9000% | 3,740 |
| Assets per employee ($millions) | 3.3485% | 4,664 |
| Cash dividends to net income (ytd only)* | 52.1252% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 2,699 |
| Loan loss allowance to noncurrent loans | 39.0386% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 3.1119% | 179 |
| Noncurrent loans to loans | 2.9842% | 343 |
| Net loans and leases to total assets | 84.9672% | 285 |
| Net loans and leases to deposits | 111.3368% | 194 |
| Net loans and leases to core deposits | 134.1362% | 253 |
| Total domestic deposits to total assets | 76.3155% | 4,632 |
| Equity capital to assets | 13.0663% | 1,558 |
| Core capital (leverage) ratio | 12.4768% | 1,547 |
| Tier 1 risk-based capital ratio | 19.8913% | 1,368 |
| Total risk-based capital ratio | 21.1458% | 1,340 |
| Memoranda: | ||
| Average total assets | $1,055,472,670 | 748 |
| Average earning assets | $979,123,670 | 739 |
| Average equity | $135,290,000 | 678 |
| Average total loans | $906,380,000 | 637 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8430% | 287 |
| Cost of funding earning assets | 1.4882% | 337 |
| Net interest margin | 4.3548% | 1,000 |
| Noninterest income to average assets | 2.1059% | 230 |
| Noninterest expense to average assets | 3.8306% | 637 |
| Loan and lease loss provision to assets | 0.1805% | 918 |
| Net operating income to assets | 2.1340% | 300 |
| Return on assets (ROA) | 2.1431% | 309 |
| Pretax return on assets | 2.1431% | 494 |
| Return on Equity (ROE) | 16.8848% | 490 |
| Retained earnings to average equity (ytd only) | 5.8898% | 2,501 |
| Net charge-offs to loans | 0.1585% | 847 |
| Credit loss provision to net charge-offs | 132.6816% | 1,342 |
| Earnings coverage of net charge-offs (x) | 17.0112% | 1,676 |
| Efficiency ratio | 62.0137% | 3,532 |
| Assets per employee ($millions) | 3.4434% | 4,611 |
| Cash dividends to net income (ytd only)* | 65.1179% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,640 |
| Loan loss allowance to noncurrent loans | 40.4942% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 3.1171% | 197 |
| Noncurrent loans to loans | 2.9367% | 380 |
| Net loans and leases to total assets | 83.0707% | 464 |
| Net loans and leases to deposits | 109.5333% | 227 |
| Net loans and leases to core deposits | 131.7954% | 288 |
| Total domestic deposits to total assets | 75.8406% | 4,778 |
| Equity capital to assets | 12.6925% | 1,630 |
| Core capital (leverage) ratio | 12.2342% | 1,638 |
| Tier 1 risk-based capital ratio | 19.4073% | 1,461 |
| Total risk-based capital ratio | 20.6619% | 1,435 |
| Memoranda: | ||
| Average total assets | $1,052,476,500 | 753 |
| Average earning assets | $976,203,000 | 743 |
| Average equity | $133,588,000 | 684 |
| Average total loans | $903,306,000 | 640 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8937% | 199 |
| Cost of funding earning assets | 1.2058% | 333 |
| Net interest margin | 4.6879% | 502 |
| Noninterest income to average assets | 2.3059% | 221 |
| Noninterest expense to average assets | 3.9812% | 545 |
| Loan and lease loss provision to assets | 0.1320% | 1,659 |
| Net operating income to assets | 2.5528% | 140 |
| Return on assets (ROA) | 2.5528% | 138 |
| Pretax return on assets | 2.5528% | 189 |
| Return on Equity (ROE) | 19.5601% | 274 |
| Retained earnings to average equity (ytd only) | 6.8786% | 1,720 |
| Net charge-offs to loans | 0.1509% | 1,272 |
| Credit loss provision to net charge-offs | 101.0101% | 2,491 |
| Earnings coverage of net charge-offs (x) | 20.5377% | 1,996 |
| Efficiency ratio | 59.5633% | 3,933 |
| Assets per employee ($millions) | 3.3367% | 4,712 |
| Cash dividends to net income (ytd only)* | 64.8337% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 2,849 |
| Loan loss allowance to noncurrent loans | 38.5416% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 3.2060% | 178 |
| Noncurrent loans to loans | 2.9734% | 345 |
| Net loans and leases to total assets | 86.6061% | 201 |
| Net loans and leases to deposits | 114.6538% | 157 |
| Net loans and leases to core deposits | 138.3722% | 212 |
| Total domestic deposits to total assets | 75.5370% | 4,807 |
| Equity capital to assets | 12.6929% | 1,486 |
| Core capital (leverage) ratio | 12.2524% | 1,584 |
| Tier 1 risk-based capital ratio | 18.3700% | 1,652 |
| Total risk-based capital ratio | 19.6237% | 1,604 |
| Memoranda: | ||
| Average total assets | $984,487,200 | 781 |
| Average earning assets | $915,652,600 | 770 |
| Average equity | $128,486,200 | 675 |
| Average total loans | $853,008,200 | 655 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8028% | 215 |
| Cost of funding earning assets | 1.1435% | 336 |
| Net interest margin | 4.6593% | 516 |
| Noninterest income to average assets | 2.3340% | 224 |
| Noninterest expense to average assets | 4.0476% | 497 |
| Loan and lease loss provision to assets | 0.0963% | 2,055 |
| Net operating income to assets | 2.5288% | 155 |
| Return on assets (ROA) | 2.5288% | 153 |
| Pretax return on assets | 2.5288% | 221 |
| Return on Equity (ROE) | 19.2339% | 319 |
| Retained earnings to average equity (ytd only) | 8.1986% | 1,556 |
| Net charge-offs to loans | 0.1602% | 1,034 |
| Credit loss provision to net charge-offs | 69.5825% | 2,640 |
| Earnings coverage of net charge-offs (x) | 18.9742% | 2,032 |
| Efficiency ratio | 60.5503% | 3,734 |
| Assets per employee ($millions) | 3.2325% | 4,851 |
| Cash dividends to net income (ytd only)* | 57.3744% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 2,935 |
| Loan loss allowance to noncurrent loans | 44.3722% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 2.8532% | 270 |
| Noncurrent loans to loans | 2.5811% | 501 |
| Net loans and leases to total assets | 85.9138% | 270 |
| Net loans and leases to deposits | 113.6431% | 192 |
| Net loans and leases to core deposits | 135.7904% | 244 |
| Total domestic deposits to total assets | 75.5997% | 4,828 |
| Equity capital to assets | 12.8733% | 1,391 |
| Core capital (leverage) ratio | 12.3976% | 1,557 |
| Tier 1 risk-based capital ratio | 18.7281% | 1,608 |
| Total risk-based capital ratio | 19.9817% | 1,572 |
| Memoranda: | ||
| Average total assets | $969,509,250 | 790 |
| Average earning assets | $902,780,000 | 775 |
| Average equity | $127,466,500 | 675 |
| Average total loans | $837,510,500 | 662 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6176% | 270 |
| Cost of funding earning assets | 1.0895% | 305 |
| Net interest margin | 4.5281% | 658 |
| Noninterest income to average assets | 2.4146% | 218 |
| Noninterest expense to average assets | 4.0193% | 515 |
| Loan and lease loss provision to assets | 0.0788% | 2,331 |
| Net operating income to assets | 2.5365% | 141 |
| Return on assets (ROA) | 2.5365% | 143 |
| Pretax return on assets | 2.5365% | 214 |
| Return on Equity (ROE) | 19.1495% | 323 |
| Retained earnings to average equity (ytd only) | 8.7343% | 1,307 |
| Net charge-offs to loans | 0.1213% | 1,204 |
| Credit loss provision to net charge-offs | 75.3012% | 2,302 |
| Earnings coverage of net charge-offs (x) | 25.0020% | 1,653 |
| Efficiency ratio | 60.5819% | 3,840 |
| Assets per employee ($millions) | 3.2245% | 4,906 |
| Cash dividends to net income (ytd only)* | 54.3889% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,656 |
| Loan loss allowance to noncurrent loans | 37.7737% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 3.1879% | 220 |
| Noncurrent loans to loans | 3.2039% | 333 |
| Net loans and leases to total assets | 84.5205% | 404 |
| Net loans and leases to deposits | 112.2799% | 229 |
| Net loans and leases to core deposits | 133.8237% | 265 |
| Total domestic deposits to total assets | 75.2767% | 4,928 |
| Equity capital to assets | 12.9182% | 1,334 |
| Core capital (leverage) ratio | 13.0617% | 1,197 |
| Tier 1 risk-based capital ratio | 19.2892% | 1,476 |
| Total risk-based capital ratio | 20.5441% | 1,438 |
| Memoranda: | ||
| Average total assets | $952,194,000 | 801 |
| Average earning assets | $887,384,000 | 790 |
| Average equity | $126,123,670 | 680 |
| Average total loans | $820,768,000 | 670 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5975% | 236 |
| Cost of funding earning assets | 1.0761% | 255 |
| Net interest margin | 4.5214% | 589 |
| Noninterest income to average assets | 2.5263% | 196 |
| Noninterest expense to average assets | 4.0177% | 520 |
| Loan and lease loss provision to assets | 0.0969% | 1,896 |
| Net operating income to assets | 2.6365% | 117 |
| Return on assets (ROA) | 2.6365% | 118 |
| Pretax return on assets | 2.6365% | 175 |
| Return on Equity (ROE) | 19.6437% | 271 |
| Retained earnings to average equity (ytd only) | 7.0454% | 2,262 |
| Net charge-offs to loans | 0.1817% | 804 |
| Credit loss provision to net charge-offs | 61.6438% | 1,883 |
| Earnings coverage of net charge-offs (x) | 17.3836% | 1,585 |
| Efficiency ratio | 59.5112% | 4,127 |
| Assets per employee ($millions) | 3.2161% | 4,983 |
| Cash dividends to net income (ytd only)* | 64.1340% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,436 |
| Loan loss allowance to noncurrent loans | 44.6697% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 2.7300% | 317 |
| Noncurrent loans to loans | 2.8295% | 441 |
| Net loans and leases to total assets | 85.6621% | 287 |
| Net loans and leases to deposits | 116.1563% | 153 |
| Net loans and leases to core deposits | 141.1217% | 201 |
| Total domestic deposits to total assets | 73.7473% | 5,178 |
| Equity capital to assets | 13.3443% | 1,094 |
| Core capital (leverage) ratio | 13.2078% | 1,103 |
| Tier 1 risk-based capital ratio | 20.1716% | 1,315 |
| Total risk-based capital ratio | 21.4272% | 1,284 |
| Memoranda: | ||
| Average total assets | $928,490,000 | 825 |
| Average earning assets | $867,601,000 | 821 |
| Average equity | $124,620,000 | 690 |
| Average total loans | $803,542,500 | 684 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6473% | 211 |
| Cost of funding earning assets | 0.8730% | 431 |
| Net interest margin | 4.7743% | 370 |
| Noninterest income to average assets | 2.7604% | 194 |
| Noninterest expense to average assets | 4.0220% | 519 |
| Loan and lease loss provision to assets | 0.1503% | 1,500 |
| Net operating income to assets | 3.0356% | 70 |
| Return on assets (ROA) | 3.0356% | 70 |
| Pretax return on assets | 3.0356% | 99 |
| Return on Equity (ROE) | 23.3396% | 89 |
| Retained earnings to average equity (ytd only) | 8.0845% | 735 |
| Net charge-offs to loans | 0.1826% | 1,378 |
| Credit loss provision to net charge-offs | 95.4861% | 2,698 |
| Earnings coverage of net charge-offs (x) | 20.2354% | 1,979 |
| Efficiency ratio | 55.7991% | 4,785 |
| Assets per employee ($millions) | 3.1111% | 5,115 |
| Cash dividends to net income (ytd only)* | 65.3616% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 2,084 |
| Loan loss allowance to noncurrent loans | 51.2503% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 2.6242% | 339 |
| Noncurrent loans to loans | 2.5882% | 505 |
| Net loans and leases to total assets | 85.1757% | 326 |
| Net loans and leases to deposits | 116.5534% | 147 |
| Net loans and leases to core deposits | 141.9726% | 189 |
| Total domestic deposits to total assets | 73.0787% | 5,252 |
| Equity capital to assets | 13.5016% | 1,063 |
| Core capital (leverage) ratio | 13.2244% | 1,067 |
| Tier 1 risk-based capital ratio | 20.5994% | 1,211 |
| Total risk-based capital ratio | 21.8562% | 1,185 |
| Memoranda: | ||
| Average total assets | $914,602,400 | 811 |
| Average earning assets | $852,000,800 | 807 |
| Average equity | $118,956,400 | 694 |
| Average total loans | $788,429,200 | 666 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6069% | 217 |
| Cost of funding earning assets | 0.8431% | 467 |
| Net interest margin | 4.7638% | 369 |
| Noninterest income to average assets | 2.6653% | 213 |
| Noninterest expense to average assets | 3.9798% | 532 |
| Loan and lease loss provision to assets | 0.1494% | 1,402 |
| Net operating income to assets | 2.9744% | 82 |
| Return on assets (ROA) | 2.9744% | 81 |
| Pretax return on assets | 2.9744% | 116 |
| Return on Equity (ROE) | 23.0885% | 103 |
| Retained earnings to average equity (ytd only) | 9.4196% | 729 |
| Net charge-offs to loans | 0.1878% | 1,117 |
| Credit loss provision to net charge-offs | 92.3423% | 2,426 |
| Earnings coverage of net charge-offs (x) | 19.3045% | 2,008 |
| Efficiency ratio | 56.0253% | 4,732 |
| Assets per employee ($millions) | 3.1566% | 5,117 |
| Cash dividends to net income (ytd only)* | 59.2021% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 2,166 |
| Loan loss allowance to noncurrent loans | 59.3887% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.4636% | 442 |
| Noncurrent loans to loans | 2.2543% | 713 |
| Net loans and leases to total assets | 84.4405% | 394 |
| Net loans and leases to deposits | 114.3159% | 175 |
| Net loans and leases to core deposits | 139.1311% | 210 |
| Total domestic deposits to total assets | 73.8660% | 5,246 |
| Equity capital to assets | 13.3724% | 1,219 |
| Core capital (leverage) ratio | 13.0365% | 1,193 |
| Tier 1 risk-based capital ratio | 20.8865% | 1,215 |
| Total risk-based capital ratio | 22.1438% | 1,180 |
| Memoranda: | ||
| Average total assets | $914,586,500 | 815 |
| Average earning assets | $852,101,500 | 811 |
| Average equity | $117,821,750 | 699 |
| Average total loans | $788,150,000 | 667 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5461% | 230 |
| Cost of funding earning assets | 0.8151% | 488 |
| Net interest margin | 4.7309% | 370 |
| Noninterest income to average assets | 2.5544% | 222 |
| Noninterest expense to average assets | 3.8691% | 619 |
| Loan and lease loss provision to assets | 0.1693% | 1,158 |
| Net operating income to assets | 2.9265% | 85 |
| Return on assets (ROA) | 2.9265% | 85 |
| Pretax return on assets | 2.9265% | 121 |
| Return on Equity (ROE) | 23.0074% | 104 |
| Retained earnings to average equity (ytd only) | 10.3820% | 525 |
| Net charge-offs to loans | 0.1672% | 1,161 |
| Credit loss provision to net charge-offs | 117.2466% | 1,813 |
| Earnings coverage of net charge-offs (x) | 21.4357% | 1,751 |
| Efficiency ratio | 55.5510% | 4,872 |
| Assets per employee ($millions) | 3.1583% | 5,140 |
| Cash dividends to net income (ytd only)* | 54.8753% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 2,194 |
| Loan loss allowance to noncurrent loans | 54.9412% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 2.6993% | 370 |
| Noncurrent loans to loans | 2.4494% | 626 |
| Net loans and leases to total assets | 85.8520% | 284 |
| Net loans and leases to deposits | 115.8627% | 158 |
| Net loans and leases to core deposits | 141.4599% | 177 |
| Total domestic deposits to total assets | 74.0980% | 5,284 |
| Equity capital to assets | 13.1572% | 1,300 |
| Core capital (leverage) ratio | 12.8736% | 1,228 |
| Tier 1 risk-based capital ratio | 20.5918% | 1,260 |
| Total risk-based capital ratio | 21.8498% | 1,232 |
| Memoranda: | ||
| Average total assets | $915,363,670 | 822 |
| Average earning assets | $853,362,000 | 812 |
| Average equity | $116,432,330 | 708 |
| Average total loans | $790,611,330 | 665 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4991% | 225 |
| Cost of funding earning assets | 0.7957% | 503 |
| Net interest margin | 4.7035% | 375 |
| Noninterest income to average assets | 2.3628% | 254 |
| Noninterest expense to average assets | 3.7062% | 773 |
| Loan and lease loss provision to assets | 0.1742% | 1,013 |
| Net operating income to assets | 2.8729% | 100 |
| Return on assets (ROA) | 2.8729% | 104 |
| Pretax return on assets | 2.8729% | 147 |
| Return on Equity (ROE) | 22.9771% | 121 |
| Retained earnings to average equity (ytd only) | 8.2954% | 1,343 |
| Net charge-offs to loans | 0.1134% | 1,263 |
| Credit loss provision to net charge-offs | 178.5714% | 1,094 |
| Earnings coverage of net charge-offs (x) | 31.2277% | 1,194 |
| Efficiency ratio | 54.8797% | 5,051 |
| Assets per employee ($millions) | 3.3318% | 5,015 |
| Cash dividends to net income (ytd only)* | 63.8969% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 2,292 |
| Loan loss allowance to noncurrent loans | 49.8302% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.9849% | 344 |
| Noncurrent loans to loans | 2.7162% | 551 |
| Net loans and leases to total assets | 84.9155% | 295 |
| Net loans and leases to deposits | 114.3223% | 143 |
| Net loans and leases to core deposits | 138.5504% | 182 |
| Total domestic deposits to total assets | 74.2773% | 5,398 |
| Equity capital to assets | 12.6141% | 1,458 |
| Core capital (leverage) ratio | 12.3028% | 1,442 |
| Tier 1 risk-based capital ratio | 20.2153% | 1,346 |
| Total risk-based capital ratio | 21.4738% | 1,317 |
| Memoranda: | ||
| Average total assets | $918,250,500 | 820 |
| Average earning assets | $857,153,000 | 814 |
| Average equity | $114,810,000 | 720 |
| Average total loans | $790,140,500 | 666 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6307% | 209 |
| Cost of funding earning assets | 0.7437% | 653 |
| Net interest margin | 4.8870% | 298 |
| Noninterest income to average assets | 3.2200% | 182 |
| Noninterest expense to average assets | 3.8942% | 694 |
| Loan and lease loss provision to assets | 0.2815% | 705 |
| Net operating income to assets | 3.5940% | 59 |
| Return on assets (ROA) | 3.6005% | 59 |
| Pretax return on assets | 3.6005% | 83 |
| Return on Equity (ROE) | 29.0418% | 45 |
| Retained earnings to average equity (ytd only) | 8.5548% | 682 |
| Net charge-offs to loans | 0.1561% | 1,712 |
| Credit loss provision to net charge-offs | 206.1006% | 1,375 |
| Earnings coverage of net charge-offs (x) | 28.3768% | 1,472 |
| Efficiency ratio | 50.1210% | 5,480 |
| Assets per employee ($millions) | 3.4086% | 4,890 |
| Cash dividends to net income (ytd only)* | 70.5432% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,353 |
| Loan loss allowance to noncurrent loans | 46.5336% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 3.0822% | 316 |
| Noncurrent loans to loans | 2.8713% | 488 |
| Net loans and leases to total assets | 84.8670% | 313 |
| Net loans and leases to deposits | 114.6504% | 146 |
| Net loans and leases to core deposits | 139.3711% | 179 |
| Total domestic deposits to total assets | 74.0224% | 5,443 |
| Equity capital to assets | 12.3918% | 1,581 |
| Core capital (leverage) ratio | 12.0554% | 1,562 |
| Tier 1 risk-based capital ratio | 19.5506% | 1,463 |
| Total risk-based capital ratio | 20.8082% | 1,423 |
| Memoranda: | ||
| Average total assets | $888,185,200 | 819 |
| Average earning assets | $826,865,200 | 803 |
| Average equity | $110,113,800 | 729 |
| Average total loans | $777,145,000 | 645 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6710% | 198 |
| Cost of funding earning assets | 0.7281% | 703 |
| Net interest margin | 4.9428% | 284 |
| Noninterest income to average assets | 3.3298% | 181 |
| Noninterest expense to average assets | 3.8812% | 691 |
| Loan and lease loss provision to assets | 0.3027% | 553 |
| Net operating income to assets | 3.7443% | 56 |
| Return on assets (ROA) | 3.7531% | 57 |
| Pretax return on assets | 3.7531% | 82 |
| Return on Equity (ROE) | 30.2687% | 38 |
| Retained earnings to average equity (ytd only) | 12.9355% | 223 |
| Net charge-offs to loans | 0.1720% | 1,341 |
| Credit loss provision to net charge-offs | 200.2002% | 1,436 |
| Earnings coverage of net charge-offs (x) | 26.7677% | 1,587 |
| Efficiency ratio | 48.9549% | 5,556 |
| Assets per employee ($millions) | 3.2903% | 5,058 |
| Cash dividends to net income (ytd only)* | 57.2644% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,756 |
| Loan loss allowance to noncurrent loans | 43.0088% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 3.3539% | 308 |
| Noncurrent loans to loans | 2.9930% | 501 |
| Net loans and leases to total assets | 87.2044% | 180 |
| Net loans and leases to deposits | 117.3426% | 139 |
| Net loans and leases to core deposits | 141.5898% | 179 |
| Total domestic deposits to total assets | 74.3161% | 5,404 |
| Equity capital to assets | 12.7336% | 1,632 |
| Core capital (leverage) ratio | 12.5348% | 1,386 |
| Tier 1 risk-based capital ratio | 19.5883% | 1,525 |
| Total risk-based capital ratio | 20.8453% | 1,489 |
| Memoranda: | ||
| Average total assets | $881,001,250 | 825 |
| Average earning assets | $819,616,500 | 809 |
| Average equity | $109,236,500 | 735 |
| Average total loans | $774,256,000 | 643 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6614% | 201 |
| Cost of funding earning assets | 0.7162% | 739 |
| Net interest margin | 4.9452% | 288 |
| Noninterest income to average assets | 2.9182% | 214 |
| Noninterest expense to average assets | 3.8265% | 745 |
| Loan and lease loss provision to assets | 0.2288% | 890 |
| Net operating income to assets | 3.4584% | 69 |
| Return on assets (ROA) | 3.4584% | 68 |
| Pretax return on assets | 3.4584% | 92 |
| Return on Equity (ROE) | 28.1535% | 57 |
| Retained earnings to average equity (ytd only) | 12.1658% | 302 |
| Net charge-offs to loans | 0.1914% | 1,196 |
| Credit loss provision to net charge-offs | 136.2398% | 1,713 |
| Earnings coverage of net charge-offs (x) | 21.9564% | 1,650 |
| Efficiency ratio | 50.9272% | 5,509 |
| Assets per employee ($millions) | 3.2970% | 5,070 |
| Cash dividends to net income (ytd only)* | 56.7875% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 3,280 |
| Loan loss allowance to noncurrent loans | 45.8209% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 3.1443% | 379 |
| Noncurrent loans to loans | 2.6491% | 630 |
| Net loans and leases to total assets | 87.3285% | 181 |
| Net loans and leases to deposits | 117.3354% | 132 |
| Net loans and leases to core deposits | 141.6619% | 174 |
| Total domestic deposits to total assets | 74.4264% | 5,476 |
| Equity capital to assets | 12.4928% | 1,776 |
| Core capital (leverage) ratio | 12.3153% | 1,449 |
| Tier 1 risk-based capital ratio | 19.6411% | 1,533 |
| Total risk-based capital ratio | 20.9038% | 1,492 |
| Memoranda: | ||
| Average total assets | $874,156,330 | 834 |
| Average earning assets | $812,338,670 | 818 |
| Average equity | $107,382,670 | 746 |
| Average total loans | $766,864,330 | 649 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6286% | 213 |
| Cost of funding earning assets | 0.7097% | 771 |
| Net interest margin | 4.9189% | 302 |
| Noninterest income to average assets | 3.2557% | 182 |
| Noninterest expense to average assets | 3.8498% | 727 |
| Loan and lease loss provision to assets | 0.2535% | 688 |
| Net operating income to assets | 3.7207% | 60 |
| Return on assets (ROA) | 3.7207% | 58 |
| Pretax return on assets | 3.7207% | 84 |
| Return on Equity (ROE) | 30.5542% | 46 |
| Retained earnings to average equity (ytd only) | 10.5986% | 719 |
| Net charge-offs to loans | 0.2696% | 781 |
| Credit loss provision to net charge-offs | 107.6321% | 1,534 |
| Earnings coverage of net charge-offs (x) | 16.8728% | 1,601 |
| Efficiency ratio | 49.2047% | 5,668 |
| Assets per employee ($millions) | 3.2427% | 5,205 |
| Cash dividends to net income (ytd only)* | 65.3122% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 3,300 |
| Loan loss allowance to noncurrent loans | 39.3894% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 3.5628% | 309 |
| Noncurrent loans to loans | 3.1277% | 504 |
| Net loans and leases to total assets | 85.7010% | 241 |
| Net loans and leases to deposits | 116.2962% | 125 |
| Net loans and leases to core deposits | 137.2983% | 195 |
| Total domestic deposits to total assets | 73.6920% | 5,642 |
| Equity capital to assets | 12.3208% | 1,811 |
| Core capital (leverage) ratio | 11.9479% | 1,641 |
| Tier 1 risk-based capital ratio | 18.9418% | 1,749 |
| Total risk-based capital ratio | 20.2040% | 1,712 |
| Memoranda: | ||
| Average total assets | $867,783,500 | 843 |
| Average earning assets | $805,958,000 | 827 |
| Average equity | $105,674,500 | 761 |
| Average total loans | $758,279,000 | 655 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2748% | 382 |
| Cost of funding earning assets | 0.7322% | 695 |
| Net interest margin | 4.5426% | 608 |
| Noninterest income to average assets | 2.3044% | 294 |
| Noninterest expense to average assets | 3.6231% | 1,085 |
| Loan and lease loss provision to assets | 0.1523% | 1,543 |
| Net operating income to assets | 2.7587% | 109 |
| Return on assets (ROA) | 2.7584% | 108 |
| Pretax return on assets | 2.7584% | 147 |
| Return on Equity (ROE) | 24.1804% | 115 |
| Retained earnings to average equity (ytd only) | 7.4715% | 1,105 |
| Net charge-offs to loans | 0.1233% | 2,138 |
| Credit loss provision to net charge-offs | 152.5424% | 1,749 |
| Earnings coverage of net charge-offs (x) | 29.1627% | 1,483 |
| Efficiency ratio | 55.4495% | 5,399 |
| Assets per employee ($millions) | 3.3073% | 5,141 |
| Cash dividends to net income (ytd only)* | 69.1009% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 3,398 |
| Loan loss allowance to noncurrent loans | 39.7260% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 3.7452% | 293 |
| Noncurrent loans to loans | 3.0541% | 515 |
| Net loans and leases to total assets | 86.9264% | 172 |
| Net loans and leases to deposits | 117.5369% | 124 |
| Net loans and leases to core deposits | 138.7370% | 182 |
| Total domestic deposits to total assets | 73.9567% | 5,652 |
| Equity capital to assets | 12.0338% | 1,931 |
| Core capital (leverage) ratio | 11.7318% | 1,796 |
| Tier 1 risk-based capital ratio | 18.5667% | 1,814 |
| Total risk-based capital ratio | 19.8300% | 1,758 |
| Memoranda: | ||
| Average total assets | $886,621,200 | 777 |
| Average earning assets | $825,542,400 | 756 |
| Average equity | $101,143,800 | 763 |
| Average total loans | $717,887,000 | 646 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1521% | 471 |
| Cost of funding earning assets | 0.7392% | 687 |
| Net interest margin | 4.4129% | 773 |
| Noninterest income to average assets | 2.4096% | 273 |
| Noninterest expense to average assets | 3.5324% | 1,226 |
| Loan and lease loss provision to assets | 0.1495% | 1,456 |
| Net operating income to assets | 2.8402% | 102 |
| Return on assets (ROA) | 2.8399% | 103 |
| Pretax return on assets | 2.8399% | 142 |
| Return on Equity (ROE) | 25.2309% | 114 |
| Retained earnings to average equity (ytd only) | 9.6609% | 701 |
| Net charge-offs to loans | 0.0870% | 2,300 |
| Credit loss provision to net charge-offs | 216.9197% | 1,252 |
| Earnings coverage of net charge-offs (x) | 43.3710% | 1,159 |
| Efficiency ratio | 54.1601% | 5,497 |
| Assets per employee ($millions) | 3.2197% | 5,257 |
| Cash dividends to net income (ytd only)* | 61.7102% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 3,396 |
| Loan loss allowance to noncurrent loans | 41.2556% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 3.4537% | 381 |
| Noncurrent loans to loans | 3.0185% | 580 |
| Net loans and leases to total assets | 86.0198% | 229 |
| Net loans and leases to deposits | 115.6670% | 157 |
| Net loans and leases to core deposits | 137.2815% | 196 |
| Total domestic deposits to total assets | 74.3684% | 5,679 |
| Equity capital to assets | 12.1002% | 2,029 |
| Core capital (leverage) ratio | 11.5793% | 1,975 |
| Tier 1 risk-based capital ratio | 19.0208% | 1,771 |
| Total risk-based capital ratio | 20.2875% | 1,733 |
| Memoranda: | ||
| Average total assets | $891,648,750 | 781 |
| Average earning assets | $830,973,250 | 762 |
| Average equity | $100,361,250 | 770 |
| Average total loans | $706,739,250 | 656 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0003% | 594 |
| Cost of funding earning assets | 0.7423% | 676 |
| Net interest margin | 4.2580% | 1,001 |
| Noninterest income to average assets | 2.3291% | 298 |
| Noninterest expense to average assets | 3.4064% | 1,462 |
| Loan and lease loss provision to assets | 0.1441% | 1,498 |
| Net operating income to assets | 2.7509% | 120 |
| Return on assets (ROA) | 2.7505% | 125 |
| Pretax return on assets | 2.7505% | 173 |
| Return on Equity (ROE) | 25.0330% | 120 |
| Retained earnings to average equity (ytd only) | 10.8593% | 524 |
| Net charge-offs to loans | 0.0794% | 2,257 |
| Credit loss provision to net charge-offs | 236.3636% | 1,089 |
| Earnings coverage of net charge-offs (x) | 47.4945% | 990 |
| Efficiency ratio | 54.0575% | 5,583 |
| Assets per employee ($millions) | 3.3801% | 5,021 |
| Cash dividends to net income (ytd only)* | 56.6202% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 3,247 |
| Loan loss allowance to noncurrent loans | 42.0172% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 3.3059% | 459 |
| Noncurrent loans to loans | 3.0921% | 630 |
| Net loans and leases to total assets | 79.1917% | 912 |
| Net loans and leases to deposits | 105.3151% | 397 |
| Net loans and leases to core deposits | 125.4112% | 346 |
| Total domestic deposits to total assets | 75.1950% | 5,685 |
| Equity capital to assets | 11.6223% | 2,316 |
| Core capital (leverage) ratio | 11.1902% | 2,254 |
| Tier 1 risk-based capital ratio | 19.8129% | 1,595 |
| Total risk-based capital ratio | 21.0815% | 1,548 |
| Memoranda: | ||
| Average total assets | $902,308,330 | 777 |
| Average earning assets | $841,749,000 | 763 |
| Average equity | $99,141,000 | 779 |
| Average total loans | $692,715,330 | 671 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 805 |
| Cost of funding earning assets | 0.7481% | 665 |
| Net interest margin | 4.0830% | 1,324 |
| Noninterest income to average assets | 2.1032% | 345 |
| Noninterest expense to average assets | 3.2847% | 1,756 |
| Loan and lease loss provision to assets | 0.1532% | 1,330 |
| Net operating income to assets | 2.4773% | 163 |
| Return on assets (ROA) | 2.4773% | 174 |
| Pretax return on assets | 2.4773% | 252 |
| Return on Equity (ROE) | 23.1910% | 152 |
| Retained earnings to average equity (ytd only) | 7.2551% | 1,883 |
| Net charge-offs to loans | 0.1183% | 1,567 |
| Credit loss provision to net charge-offs | 172.4138% | 1,156 |
| Earnings coverage of net charge-offs (x) | 29.6108% | 1,161 |
| Efficiency ratio | 55.5301% | 5,555 |
| Assets per employee ($millions) | 3.4824% | 4,925 |
| Cash dividends to net income (ytd only)* | 68.7158% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 3,449 |
| Loan loss allowance to noncurrent loans | 41.8407% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 3.2869% | 531 |
| Noncurrent loans to loans | 3.0858% | 680 |
| Net loans and leases to total assets | 74.8533% | 1,381 |
| Net loans and leases to deposits | 98.4214% | 650 |
| Net loans and leases to core deposits | 116.8705% | 493 |
| Total domestic deposits to total assets | 76.0539% | 5,734 |
| Equity capital to assets | 10.7998% | 3,194 |
| Core capital (leverage) ratio | 10.4432% | 3,040 |
| Tier 1 risk-based capital ratio | 19.3122% | 1,787 |
| Total risk-based capital ratio | 20.5819% | 1,739 |
| Memoranda: | ||
| Average total assets | $914,049,500 | 766 |
| Average earning assets | $853,390,000 | 757 |
| Average equity | $97,641,500 | 793 |
| Average total loans | $686,514,000 | 680 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 633 |
| Cost of funding earning assets | 0.8792% | 441 |
| Net interest margin | 4.2204% | 1,246 |
| Noninterest income to average assets | 2.3044% | 264 |
| Noninterest expense to average assets | 3.4611% | 1,574 |
| Loan and lease loss provision to assets | 0.1787% | 1,442 |
| Net operating income to assets | 2.5855% | 129 |
| Return on assets (ROA) | 2.5855% | 128 |
| Pretax return on assets | 2.5855% | 163 |
| Return on Equity (ROE) | 24.4730% | 116 |
| Retained earnings to average equity (ytd only) | 7.4045% | 1,227 |
| Net charge-offs to loans | 0.1719% | 2,311 |
| Credit loss provision to net charge-offs | 135.0384% | 1,746 |
| Earnings coverage of net charge-offs (x) | 20.8883% | 1,707 |
| Efficiency ratio | 55.5970% | 5,708 |
| Assets per employee ($millions) | 3.5493% | 4,823 |
| Cash dividends to net income (ytd only)* | 69.7443% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 3,483 |
| Loan loss allowance to noncurrent loans | 47.6258% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 3.0446% | 655 |
| Noncurrent loans to loans | 2.7084% | 897 |
| Net loans and leases to total assets | 73.4245% | 1,682 |
| Net loans and leases to deposits | 96.5998% | 862 |
| Net loans and leases to core deposits | 114.7119% | 567 |
| Total domestic deposits to total assets | 76.0090% | 5,727 |
| Equity capital to assets | 10.5653% | 3,403 |
| Core capital (leverage) ratio | 10.3121% | 3,151 |
| Tier 1 risk-based capital ratio | 20.0727% | 1,592 |
| Total risk-based capital ratio | 21.3445% | 1,552 |
| Memoranda: | ||
| Average total assets | $886,391,000 | 750 |
| Average earning assets | $823,496,800 | 742 |
| Average equity | $93,646,200 | 787 |
| Average total loans | $682,360,200 | 632 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0733% | 680 |
| Cost of funding earning assets | 0.9032% | 413 |
| Net interest margin | 4.1701% | 1,377 |
| Noninterest income to average assets | 2.2508% | 286 |
| Noninterest expense to average assets | 3.4761% | 1,509 |
| Loan and lease loss provision to assets | 0.1492% | 1,676 |
| Net operating income to assets | 2.4944% | 146 |
| Return on assets (ROA) | 2.4944% | 149 |
| Pretax return on assets | 2.4944% | 213 |
| Return on Equity (ROE) | 23.6107% | 136 |
| Retained earnings to average equity (ytd only) | 9.3949% | 872 |
| Net charge-offs to loans | 0.1662% | 2,131 |
| Credit loss provision to net charge-offs | 115.6287% | 1,964 |
| Earnings coverage of net charge-offs (x) | 20.4818% | 1,730 |
| Efficiency ratio | 56.8008% | 5,578 |
| Assets per employee ($millions) | 3.4710% | 4,914 |
| Cash dividends to net income (ytd only)* | 60.2092% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 3,974 |
| Loan loss allowance to noncurrent loans | 45.7739% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 3.0128% | 782 |
| Noncurrent loans to loans | 2.7236% | 1,041 |
| Net loans and leases to total assets | 74.6788% | 1,416 |
| Net loans and leases to deposits | 97.7979% | 748 |
| Net loans and leases to core deposits | 116.2705% | 496 |
| Total domestic deposits to total assets | 76.3604% | 5,768 |
| Equity capital to assets | 10.6814% | 3,329 |
| Core capital (leverage) ratio | 10.3913% | 3,171 |
| Tier 1 risk-based capital ratio | 20.5651% | 1,535 |
| Total risk-based capital ratio | 21.8367% | 1,497 |
| Memoranda: | ||
| Average total assets | $879,059,500 | 761 |
| Average earning assets | $815,572,750 | 754 |
| Average equity | $92,870,750 | 795 |
| Average total loans | $682,663,500 | 632 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 673 |
| Cost of funding earning assets | 0.9271% | 367 |
| Net interest margin | 4.1291% | 1,430 |
| Noninterest income to average assets | 2.1954% | 300 |
| Noninterest expense to average assets | 3.4853% | 1,506 |
| Loan and lease loss provision to assets | 0.1341% | 1,842 |
| Net operating income to assets | 2.3977% | 166 |
| Return on assets (ROA) | 2.3977% | 170 |
| Pretax return on assets | 2.3977% | 258 |
| Return on Equity (ROE) | 22.7817% | 172 |
| Retained earnings to average equity (ytd only) | 9.8695% | 750 |
| Net charge-offs to loans | 0.1670% | 2,055 |
| Credit loss provision to net charge-offs | 102.4561% | 1,939 |
| Earnings coverage of net charge-offs (x) | 19.3491% | 1,631 |
| Efficiency ratio | 57.9239% | 5,563 |
| Assets per employee ($millions) | 3.3838% | 5,093 |
| Cash dividends to net income (ytd only)* | 56.6778% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 4,326 |
| Loan loss allowance to noncurrent loans | 49.1562% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.8773% | 902 |
| Noncurrent loans to loans | 2.4846% | 1,253 |
| Net loans and leases to total assets | 77.1167% | 1,037 |
| Net loans and leases to deposits | 100.7305% | 517 |
| Net loans and leases to core deposits | 119.6588% | 389 |
| Total domestic deposits to total assets | 76.5575% | 5,854 |
| Equity capital to assets | 10.7208% | 3,177 |
| Core capital (leverage) ratio | 10.3996% | 3,081 |
| Tier 1 risk-based capital ratio | 20.8912% | 1,462 |
| Total risk-based capital ratio | 22.1640% | 1,437 |
| Memoranda: | ||
| Average total assets | $871,262,330 | 769 |
| Average earning assets | $806,381,670 | 759 |
| Average equity | $91,696,330 | 797 |
| Average total loans | $682,735,330 | 626 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9762% | 753 |
| Cost of funding earning assets | 0.9411% | 357 |
| Net interest margin | 4.0350% | 1,644 |
| Noninterest income to average assets | 1.9797% | 340 |
| Noninterest expense to average assets | 3.4132% | 1,665 |
| Loan and lease loss provision to assets | 0.1080% | 2,134 |
| Net operating income to assets | 2.1952% | 239 |
| Return on assets (ROA) | 2.1952% | 248 |
| Pretax return on assets | 2.1952% | 352 |
| Return on Equity (ROE) | 21.0568% | 241 |
| Retained earnings to average equity (ytd only) | 6.0851% | 2,495 |
| Net charge-offs to loans | 0.2268% | 1,416 |
| Credit loss provision to net charge-offs | 60.6218% | 2,095 |
| Earnings coverage of net charge-offs (x) | 12.9326% | 1,693 |
| Efficiency ratio | 59.7094% | 5,439 |
| Assets per employee ($millions) | 3.4841% | 4,956 |
| Cash dividends to net income (ytd only)* | 71.1013% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 4,592 |
| Loan loss allowance to noncurrent loans | 45.9155% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 3.2383% | 833 |
| Noncurrent loans to loans | 2.6336% | 1,298 |
| Net loans and leases to total assets | 76.5137% | 940 |
| Net loans and leases to deposits | 100.8812% | 401 |
| Net loans and leases to core deposits | 120.3484% | 319 |
| Total domestic deposits to total assets | 75.8453% | 6,087 |
| Equity capital to assets | 10.3751% | 3,364 |
| Core capital (leverage) ratio | 10.1323% | 3,386 |
| Tier 1 risk-based capital ratio | 20.1414% | 1,686 |
| Total risk-based capital ratio | 21.4137% | 1,650 |
| Memoranda: | ||
| Average total assets | $866,996,000 | 785 |
| Average earning assets | $802,866,500 | 773 |
| Average equity | $90,384,000 | 812 |
| Average total loans | $680,674,000 | 633 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2932% | 537 |
| Cost of funding earning assets | 0.9938% | 458 |
| Net interest margin | 4.2994% | 1,109 |
| Noninterest income to average assets | 2.5383% | 274 |
| Noninterest expense to average assets | 3.6076% | 1,432 |
| Loan and lease loss provision to assets | 0.0714% | 3,692 |
| Net operating income to assets | 2.8392% | 122 |
| Return on assets (ROA) | 2.8392% | 123 |
| Pretax return on assets | 2.8392% | 138 |
| Return on Equity (ROE) | 27.6116% | 94 |
| Retained earnings to average equity (ytd only) | 8.4316% | 926 |
| Net charge-offs to loans | 0.1869% | 2,968 |
| Credit loss provision to net charge-offs | 47.0958% | 3,889 |
| Earnings coverage of net charge-offs (x) | 19.2096% | 1,617 |
| Efficiency ratio | 55.2867% | 6,022 |
| Assets per employee ($millions) | 3.2796% | 5,325 |
| Cash dividends to net income (ytd only)* | 69.4634% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 4,499 |
| Loan loss allowance to noncurrent loans | 51.3741% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 3.1565% | 976 |
| Noncurrent loans to loans | 2.3927% | 1,597 |
| Net loans and leases to total assets | 78.6176% | 753 |
| Net loans and leases to deposits | 104.6347% | 303 |
| Net loans and leases to core deposits | 125.3989% | 243 |
| Total domestic deposits to total assets | 75.1353% | 6,179 |
| Equity capital to assets | 10.4761% | 3,193 |
| Core capital (leverage) ratio | 10.0904% | 3,447 |
| Tier 1 risk-based capital ratio | 19.6522% | 1,738 |
| Total risk-based capital ratio | 20.9250% | 1,703 |
| Memoranda: | ||
| Average total assets | $840,827,600 | 791 |
| Average earning assets | $778,343,800 | 776 |
| Average equity | $86,460,000 | 821 |
| Average total loans | $681,530,600 | 616 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2922% | 536 |
| Cost of funding earning assets | 0.9991% | 498 |
| Net interest margin | 4.2932% | 1,111 |
| Noninterest income to average assets | 2.7488% | 261 |
| Noninterest expense to average assets | 3.6592% | 1,309 |
| Loan and lease loss provision to assets | 0.0956% | 3,166 |
| Net operating income to assets | 2.9675% | 114 |
| Return on assets (ROA) | 2.9675% | 114 |
| Pretax return on assets | 2.9675% | 143 |
| Return on Equity (ROE) | 28.9988% | 77 |
| Retained earnings to average equity (ytd only) | 9.8126% | 828 |
| Net charge-offs to loans | 0.1966% | 2,662 |
| Credit loss provision to net charge-offs | 59.7015% | 3,310 |
| Earnings coverage of net charge-offs (x) | 19.1343% | 1,642 |
| Efficiency ratio | 54.3552% | 6,077 |
| Assets per employee ($millions) | 3.1980% | 5,495 |
| Cash dividends to net income (ytd only)* | 66.1621% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 4,550 |
| Loan loss allowance to noncurrent loans | 44.1020% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.3076% | 1,067 |
| Noncurrent loans to loans | 2.8756% | 1,429 |
| Net loans and leases to total assets | 79.1092% | 639 |
| Net loans and leases to deposits | 104.3753% | 282 |
| Net loans and leases to core deposits | 123.9132% | 264 |
| Total domestic deposits to total assets | 75.7931% | 6,193 |
| Equity capital to assets | 10.4189% | 3,373 |
| Core capital (leverage) ratio | 10.1136% | 3,506 |
| Tier 1 risk-based capital ratio | 19.7910% | 1,789 |
| Total risk-based capital ratio | 21.0659% | 1,746 |
| Memoranda: | ||
| Average total assets | $837,037,500 | 793 |
| Average earning assets | $774,701,750 | 779 |
| Average equity | $85,656,500 | 837 |
| Average total loans | $681,580,250 | 616 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3253% | 503 |
| Cost of funding earning assets | 1.0072% | 526 |
| Net interest margin | 4.3180% | 998 |
| Noninterest income to average assets | 3.0624% | 244 |
| Noninterest expense to average assets | 3.6536% | 1,323 |
| Loan and lease loss provision to assets | 0.1441% | 2,533 |
| Net operating income to assets | 3.2596% | 98 |
| Return on assets (ROA) | 3.2596% | 101 |
| Pretax return on assets | 3.2596% | 124 |
| Return on Equity (ROE) | 32.0508% | 57 |
| Retained earnings to average equity (ytd only) | 12.9899% | 384 |
| Net charge-offs to loans | 0.1661% | 2,785 |
| Credit loss provision to net charge-offs | 106.0071% | 2,088 |
| Earnings coverage of net charge-offs (x) | 25.0318% | 1,274 |
| Efficiency ratio | 51.6578% | 6,304 |
| Assets per employee ($millions) | 3.1918% | 5,500 |
| Cash dividends to net income (ytd only)* | 59.4708% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 4,269 |
| Loan loss allowance to noncurrent loans | 44.7791% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 3.1063% | 1,291 |
| Noncurrent loans to loans | 3.0139% | 1,477 |
| Net loans and leases to total assets | 79.3941% | 593 |
| Net loans and leases to deposits | 105.0942% | 248 |
| Net loans and leases to core deposits | 124.4764% | 249 |
| Total domestic deposits to total assets | 75.5457% | 6,302 |
| Equity capital to assets | 10.4814% | 3,326 |
| Core capital (leverage) ratio | 10.0834% | 3,393 |
| Tier 1 risk-based capital ratio | 19.4909% | 1,858 |
| Total risk-based capital ratio | 20.7612% | 1,829 |
| Memoranda: | ||
| Average total assets | $832,497,670 | 798 |
| Average earning assets | $770,217,330 | 786 |
| Average equity | $84,665,670 | 843 |
| Average total loans | $681,576,330 | 612 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2944% | 517 |
| Cost of funding earning assets | 1.0132% | 575 |
| Net interest margin | 4.2812% | 1,003 |
| Noninterest income to average assets | 2.9997% | 250 |
| Noninterest expense to average assets | 3.5655% | 1,483 |
| Loan and lease loss provision to assets | 0.1926% | 1,918 |
| Net operating income to assets | 3.1933% | 92 |
| Return on assets (ROA) | 3.1933% | 96 |
| Pretax return on assets | 3.1933% | 133 |
| Return on Equity (ROE) | 31.8900% | 62 |
| Retained earnings to average equity (ytd only) | 9.9262% | 1,127 |
| Net charge-offs to loans | 0.1866% | 2,289 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 21.9719% | 1,151 |
| Efficiency ratio | 51.0634% | 6,438 |
| Assets per employee ($millions) | 3.2049% | 5,614 |
| Cash dividends to net income (ytd only)* | 68.8735% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 4,514 |
| Loan loss allowance to noncurrent loans | 42.4723% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 3.0987% | 1,428 |
| Noncurrent loans to loans | 3.1559% | 1,565 |
| Net loans and leases to total assets | 80.0245% | 419 |
| Net loans and leases to deposits | 105.9269% | 198 |
| Net loans and leases to core deposits | 125.0982% | 217 |
| Total domestic deposits to total assets | 75.5470% | 6,409 |
| Equity capital to assets | 10.0301% | 4,111 |
| Core capital (leverage) ratio | 9.7595% | 3,717 |
| Tier 1 risk-based capital ratio | 18.2928% | 2,261 |
| Total risk-based capital ratio | 19.5651% | 2,219 |
| Memoranda: | ||
| Average total assets | $830,626,000 | 808 |
| Average earning assets | $766,702,500 | 799 |
| Average equity | $83,173,500 | 874 |
| Average total loans | $685,860,000 | 613 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7632% | 389 |
| Cost of funding earning assets | 1.1981% | 588 |
| Net interest margin | 4.5650% | 838 |
| Noninterest income to average assets | 2.9839% | 259 |
| Noninterest expense to average assets | 3.6083% | 1,591 |
| Loan and lease loss provision to assets | 0.1989% | 3,149 |
| Net operating income to assets | 3.3868% | 85 |
| Return on assets (ROA) | 3.3868% | 87 |
| Pretax return on assets | 3.3868% | 106 |
| Return on Equity (ROE) | 35.1588% | 39 |
| Retained earnings to average equity (ytd only) | 12.6776% | 271 |
| Net charge-offs to loans | 0.1890% | 3,861 |
| Credit loss provision to net charge-offs | 122.9823% | 2,317 |
| Earnings coverage of net charge-offs (x) | 22.1714% | 1,274 |
| Efficiency ratio | 49.9222% | 6,593 |
| Assets per employee ($millions) | 3.1358% | 5,773 |
| Cash dividends to net income (ytd only)* | 63.9420% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,586 |
| Loan loss allowance to noncurrent loans | 46.3030% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 2.9432% | 1,612 |
| Noncurrent loans to loans | 2.8297% | 1,864 |
| Net loans and leases to total assets | 82.9619% | 271 |
| Net loans and leases to deposits | 110.4647% | 150 |
| Net loans and leases to core deposits | 130.9359% | 179 |
| Total domestic deposits to total assets | 75.1026% | 6,436 |
| Equity capital to assets | 9.9963% | 4,168 |
| Core capital (leverage) ratio | 9.6524% | 3,889 |
| Tier 1 risk-based capital ratio | 18.0772% | 2,235 |
| Total risk-based capital ratio | 19.3509% | 2,199 |
| Memoranda: | ||
| Average total assets | $804,443,000 | 818 |
| Average earning assets | $741,897,800 | 803 |
| Average equity | $77,491,200 | 908 |
| Average total loans | $688,181,400 | 603 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7429% | 428 |
| Cost of funding earning assets | 1.2296% | 603 |
| Net interest margin | 4.5133% | 964 |
| Noninterest income to average assets | 2.9372% | 254 |
| Noninterest expense to average assets | 3.5787% | 1,597 |
| Loan and lease loss provision to assets | 0.2166% | 2,894 |
| Net operating income to assets | 3.3071% | 83 |
| Return on assets (ROA) | 3.3071% | 86 |
| Pretax return on assets | 3.3071% | 120 |
| Return on Equity (ROE) | 34.6669% | 42 |
| Retained earnings to average equity (ytd only) | 14.6269% | 260 |
| Net charge-offs to loans | 0.1993% | 3,531 |
| Credit loss provision to net charge-offs | 126.4591% | 2,268 |
| Earnings coverage of net charge-offs (x) | 20.5711% | 1,442 |
| Efficiency ratio | 50.1478% | 6,579 |
| Assets per employee ($millions) | 3.1229% | 5,798 |
| Cash dividends to net income (ytd only)* | 57.8072% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 4,811 |
| Loan loss allowance to noncurrent loans | 48.6834% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 3.0330% | 1,720 |
| Noncurrent loans to loans | 2.6737% | 2,117 |
| Net loans and leases to total assets | 84.2532% | 211 |
| Net loans and leases to deposits | 111.2943% | 141 |
| Net loans and leases to core deposits | 132.4580% | 172 |
| Total domestic deposits to total assets | 75.7031% | 6,429 |
| Equity capital to assets | 9.9356% | 4,596 |
| Core capital (leverage) ratio | 9.6159% | 4,097 |
| Tier 1 risk-based capital ratio | 17.8201% | 2,418 |
| Total risk-based capital ratio | 19.0963% | 2,375 |
| Memoranda: | ||
| Average total assets | $800,159,500 | 831 |
| Average earning assets | $738,452,500 | 815 |
| Average equity | $76,332,250 | 926 |
| Average total loans | $687,565,500 | 599 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7073% | 479 |
| Cost of funding earning assets | 1.2600% | 621 |
| Net interest margin | 4.4473% | 1,087 |
| Noninterest income to average assets | 2.7796% | 264 |
| Noninterest expense to average assets | 3.5409% | 1,696 |
| Loan and lease loss provision to assets | 0.2009% | 3,067 |
| Net operating income to assets | 3.1418% | 94 |
| Return on assets (ROA) | 3.1418% | 95 |
| Pretax return on assets | 3.1418% | 138 |
| Return on Equity (ROE) | 33.4057% | 61 |
| Retained earnings to average equity (ytd only) | 15.3568% | 263 |
| Net charge-offs to loans | 0.1765% | 3,540 |
| Credit loss provision to net charge-offs | 132.2314% | 2,074 |
| Earnings coverage of net charge-offs (x) | 21.9967% | 1,323 |
| Efficiency ratio | 51.1914% | 6,562 |
| Assets per employee ($millions) | 3.1039% | 5,842 |
| Cash dividends to net income (ytd only)* | 54.0294% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 4,936 |
| Loan loss allowance to noncurrent loans | 40.3673% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 3.3853% | 1,585 |
| Noncurrent loans to loans | 3.1927% | 1,821 |
| Net loans and leases to total assets | 85.8856% | 145 |
| Net loans and leases to deposits | 113.5472% | 108 |
| Net loans and leases to core deposits | 135.2450% | 171 |
| Total domestic deposits to total assets | 75.6387% | 6,511 |
| Equity capital to assets | 9.7768% | 4,659 |
| Core capital (leverage) ratio | 9.3701% | 4,342 |
| Tier 1 risk-based capital ratio | 17.3885% | 2,514 |
| Total risk-based capital ratio | 18.6645% | 2,470 |
| Memoranda: | ||
| Average total assets | $796,227,670 | 835 |
| Average earning assets | $734,779,670 | 821 |
| Average equity | $74,885,330 | 935 |
| Average total loans | $685,714,000 | 605 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7160% | 502 |
| Cost of funding earning assets | 1.2949% | 643 |
| Net interest margin | 4.4211% | 1,184 |
| Noninterest income to average assets | 2.6112% | 287 |
| Noninterest expense to average assets | 3.4700% | 1,825 |
| Loan and lease loss provision to assets | 0.1257% | 3,777 |
| Net operating income to assets | 3.0944% | 98 |
| Return on assets (ROA) | 3.0944% | 114 |
| Pretax return on assets | 3.0944% | 169 |
| Return on Equity (ROE) | 33.5672% | 76 |
| Retained earnings to average equity (ytd only) | 12.7691% | 717 |
| Net charge-offs to loans | 0.0833% | 3,668 |
| Credit loss provision to net charge-offs | 176.0563% | 1,456 |
| Earnings coverage of net charge-offs (x) | 45.0986% | 683 |
| Efficiency ratio | 51.6122% | 6,576 |
| Assets per employee ($millions) | 3.2117% | 5,742 |
| Cash dividends to net income (ytd only)* | 61.9597% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 5,008 |
| Loan loss allowance to noncurrent loans | 40.7714% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 3.1637% | 1,827 |
| Noncurrent loans to loans | 3.1971% | 2,009 |
| Net loans and leases to total assets | 83.8673% | 189 |
| Net loans and leases to deposits | 109.7649% | 141 |
| Net loans and leases to core deposits | 130.3010% | 198 |
| Total domestic deposits to total assets | 76.4063% | 6,499 |
| Equity capital to assets | 9.3174% | 5,071 |
| Core capital (leverage) ratio | 8.9835% | 4,865 |
| Tier 1 risk-based capital ratio | 16.9126% | 2,710 |
| Total risk-based capital ratio | 18.1891% | 2,661 |
| Memoranda: | ||
| Average total assets | $795,494,000 | 833 |
| Average earning assets | $733,934,000 | 823 |
| Average equity | $73,333,500 | 953 |
| Average total loans | $681,546,000 | 609 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1810% | 323 |
| Cost of funding earning assets | 1.5417% | 608 |
| Net interest margin | 4.6393% | 852 |
| Noninterest income to average assets | 2.5655% | 256 |
| Noninterest expense to average assets | 3.5004% | 1,982 |
| Loan and lease loss provision to assets | 0.2300% | 3,900 |
| Net operating income to assets | 3.0987% | 79 |
| Return on assets (ROA) | 3.0987% | 81 |
| Pretax return on assets | 3.0987% | 115 |
| Return on Equity (ROE) | 34.3681% | 29 |
| Retained earnings to average equity (ytd only) | 11.8273% | 319 |
| Net charge-offs to loans | 0.2055% | 4,514 |
| Credit loss provision to net charge-offs | 129.4379% | 2,371 |
| Earnings coverage of net charge-offs (x) | 18.7315% | 1,199 |
| Efficiency ratio | 50.9951% | 6,776 |
| Assets per employee ($millions) | 3.1778% | 5,751 |
| Cash dividends to net income (ytd only)* | 65.5864% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 5,016 |
| Loan loss allowance to noncurrent loans | 38.4683% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 3.3684% | 1,758 |
| Noncurrent loans to loans | 3.3277% | 1,947 |
| Net loans and leases to total assets | 85.2784% | 157 |
| Net loans and leases to deposits | 112.1924% | 139 |
| Net loans and leases to core deposits | 133.0912% | 210 |
| Total domestic deposits to total assets | 76.0108% | 6,485 |
| Equity capital to assets | 9.1188% | 5,392 |
| Core capital (leverage) ratio | 8.7159% | 5,226 |
| Tier 1 risk-based capital ratio | 15.7302% | 3,205 |
| Total risk-based capital ratio | 17.0050% | 3,149 |
| Memoranda: | ||
| Average total assets | $760,799,800 | 866 |
| Average earning assets | $699,207,800 | 861 |
| Average equity | $68,595,600 | 981 |
| Average total loans | $658,025,800 | 626 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2380% | 300 |
| Cost of funding earning assets | 1.5760% | 648 |
| Net interest margin | 4.6619% | 827 |
| Noninterest income to average assets | 2.4369% | 273 |
| Noninterest expense to average assets | 3.5024% | 1,930 |
| Loan and lease loss provision to assets | 0.1947% | 4,073 |
| Net operating income to assets | 3.0195% | 93 |
| Return on assets (ROA) | 3.0195% | 96 |
| Pretax return on assets | 3.0195% | 137 |
| Return on Equity (ROE) | 33.5895% | 39 |
| Retained earnings to average equity (ytd only) | 15.6181% | 198 |
| Net charge-offs to loans | 0.1226% | 4,812 |
| Credit loss provision to net charge-offs | 183.6394% | 1,610 |
| Earnings coverage of net charge-offs (x) | 30.3121% | 930 |
| Efficiency ratio | 51.8765% | 6,690 |
| Assets per employee ($millions) | 3.0946% | 5,913 |
| Cash dividends to net income (ytd only)* | 53.5030% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 4,916 |
| Loan loss allowance to noncurrent loans | 49.4167% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 2.9335% | 2,193 |
| Noncurrent loans to loans | 2.6729% | 2,608 |
| Net loans and leases to total assets | 84.8099% | 174 |
| Net loans and leases to deposits | 110.9176% | 164 |
| Net loans and leases to core deposits | 130.0568% | 247 |
| Total domestic deposits to total assets | 76.4620% | 6,463 |
| Equity capital to assets | 9.2274% | 5,471 |
| Core capital (leverage) ratio | 8.8535% | 5,176 |
| Tier 1 risk-based capital ratio | 15.6688% | 3,297 |
| Total risk-based capital ratio | 16.9449% | 3,243 |
| Memoranda: | ||
| Average total assets | $753,183,250 | 877 |
| Average earning assets | $691,427,500 | 873 |
| Average equity | $67,706,000 | 1,001 |
| Average total loans | $651,650,000 | 641 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2492% | 300 |
| Cost of funding earning assets | 1.6053% | 682 |
| Net interest margin | 4.6439% | 834 |
| Noninterest income to average assets | 2.2128% | 315 |
| Noninterest expense to average assets | 3.5220% | 1,926 |
| Loan and lease loss provision to assets | 0.1612% | 4,311 |
| Net operating income to assets | 2.7809% | 122 |
| Return on assets (ROA) | 2.7809% | 124 |
| Pretax return on assets | 2.7809% | 171 |
| Return on Equity (ROE) | 31.2242% | 63 |
| Retained earnings to average equity (ytd only) | 14.4912% | 281 |
| Net charge-offs to loans | 0.0883% | 4,773 |
| Credit loss provision to net charge-offs | 210.5263% | 1,431 |
| Earnings coverage of net charge-offs (x) | 38.4175% | 763 |
| Efficiency ratio | 54.2027% | 6,602 |
| Assets per employee ($millions) | 3.0394% | 5,996 |
| Cash dividends to net income (ytd only)* | 53.5897% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 4,964 |
| Loan loss allowance to noncurrent loans | 47.9927% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 3.4163% | 1,934 |
| Noncurrent loans to loans | 2.7526% | 2,648 |
| Net loans and leases to total assets | 84.8612% | 183 |
| Net loans and leases to deposits | 111.0347% | 162 |
| Net loans and leases to core deposits | 130.5042% | 269 |
| Total domestic deposits to total assets | 76.4276% | 6,532 |
| Equity capital to assets | 9.0163% | 5,558 |
| Core capital (leverage) ratio | 8.6156% | 5,373 |
| Tier 1 risk-based capital ratio | 15.0635% | 3,460 |
| Total risk-based capital ratio | 16.3401% | 3,416 |
| Memoranda: | ||
| Average total assets | $744,297,000 | 897 |
| Average earning assets | $681,368,000 | 893 |
| Average equity | $66,288,330 | 1,013 |
| Average total loans | $645,454,670 | 660 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4073% | 242 |
| Cost of funding earning assets | 1.6098% | 785 |
| Net interest margin | 4.7974% | 575 |
| Noninterest income to average assets | 2.3668% | 291 |
| Noninterest expense to average assets | 3.5543% | 1,868 |
| Loan and lease loss provision to assets | 0.2177% | 3,477 |
| Net operating income to assets | 2.9850% | 114 |
| Return on assets (ROA) | 2.9850% | 118 |
| Pretax return on assets | 2.9850% | 151 |
| Return on Equity (ROE) | 33.7331% | 60 |
| Retained earnings to average equity (ytd only) | 13.7946% | 496 |
| Net charge-offs to loans | 0.1393% | 3,674 |
| Credit loss provision to net charge-offs | 179.3722% | 1,631 |
| Earnings coverage of net charge-offs (x) | 26.3901% | 927 |
| Efficiency ratio | 52.3276% | 6,831 |
| Assets per employee ($millions) | 3.0226% | 6,109 |
| Cash dividends to net income (ytd only)* | 59.1067% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 5,061 |
| Loan loss allowance to noncurrent loans | 50.0851% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 3.8182% | 1,761 |
| Noncurrent loans to loans | 2.6255% | 2,872 |
| Net loans and leases to total assets | 86.0834% | 124 |
| Net loans and leases to deposits | 113.7091% | 137 |
| Net loans and leases to core deposits | 134.7904% | 231 |
| Total domestic deposits to total assets | 75.7050% | 6,715 |
| Equity capital to assets | 8.8986% | 5,348 |
| Core capital (leverage) ratio | 8.4774% | 5,499 |
| Tier 1 risk-based capital ratio | 14.5395% | 3,708 |
| Total risk-based capital ratio | 15.8153% | 3,660 |
| Memoranda: | ||
| Average total assets | $734,999,000 | 911 |
| Average earning assets | $672,611,000 | 907 |
| Average equity | $65,040,000 | 1,031 |
| Average total loans | $640,148,500 | 668 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3856% | 395 |
| Cost of funding earning assets | 1.8389% | 1,030 |
| Net interest margin | 4.5467% | 1,142 |
| Noninterest income to average assets | 2.6831% | 265 |
| Noninterest expense to average assets | 3.6953% | 1,712 |
| Loan and lease loss provision to assets | 0.4496% | 3,434 |
| Net operating income to assets | 2.6746% | 99 |
| Return on assets (ROA) | 2.5349% | 115 |
| Pretax return on assets | 2.5349% | 176 |
| Return on Equity (ROE) | 28.0545% | 54 |
| Retained earnings to average equity (ytd only) | 9.9585% | 532 |
| Net charge-offs to loans | 0.2957% | 4,541 |
| Credit loss provision to net charge-offs | 176.7972% | 1,884 |
| Earnings coverage of net charge-offs (x) | 12.2852% | 1,522 |
| Efficiency ratio | 53.8904% | 6,817 |
| Assets per employee ($millions) | 2.9895% | 6,122 |
| Cash dividends to net income (ytd only)* | 64.5031% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 4,888 |
| Loan loss allowance to noncurrent loans | 41.3281% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 3.8928% | 1,752 |
| Noncurrent loans to loans | 3.1992% | 2,376 |
| Net loans and leases to total assets | 85.8069% | 194 |
| Net loans and leases to deposits | 114.1698% | 171 |
| Net loans and leases to core deposits | 135.2498% | 268 |
| Total domestic deposits to total assets | 75.1573% | 6,747 |
| Equity capital to assets | 8.7982% | 5,435 |
| Core capital (leverage) ratio | 8.5304% | 5,303 |
| Tier 1 risk-based capital ratio | 14.5621% | 3,504 |
| Total risk-based capital ratio | 15.8407% | 3,447 |
| Memoranda: | ||
| Average total assets | $672,805,800 | 986 |
| Average earning assets | $612,095,800 | 991 |
| Average equity | $60,792,400 | 1,095 |
| Average total loans | $578,575,200 | 772 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3466% | 461 |
| Cost of funding earning assets | 1.9046% | 1,017 |
| Net interest margin | 4.4420% | 1,392 |
| Noninterest income to average assets | 2.6614% | 255 |
| Noninterest expense to average assets | 3.6604% | 1,650 |
| Loan and lease loss provision to assets | 0.5207% | 2,852 |
| Net operating income to assets | 2.5160% | 133 |
| Return on assets (ROA) | 2.4618% | 149 |
| Pretax return on assets | 2.4618% | 244 |
| Return on Equity (ROE) | 27.0495% | 76 |
| Retained earnings to average equity (ytd only) | 12.5038% | 402 |
| Net charge-offs to loans | 0.3274% | 4,027 |
| Credit loss provision to net charge-offs | 185.5187% | 1,943 |
| Earnings coverage of net charge-offs (x) | 10.8199% | 1,847 |
| Efficiency ratio | 54.3492% | 6,758 |
| Assets per employee ($millions) | 2.8888% | 6,400 |
| Cash dividends to net income (ytd only)* | 53.7741% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 4,520 |
| Loan loss allowance to noncurrent loans | 38.5192% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 4.4362% | 1,532 |
| Noncurrent loans to loans | 3.6079% | 2,168 |
| Net loans and leases to total assets | 84.8840% | 272 |
| Net loans and leases to deposits | 113.8846% | 189 |
| Net loans and leases to core deposits | 134.2145% | 321 |
| Total domestic deposits to total assets | 74.5351% | 6,850 |
| Equity capital to assets | 9.1810% | 5,336 |
| Core capital (leverage) ratio | 8.8039% | 5,001 |
| Tier 1 risk-based capital ratio | 15.0609% | 3,224 |
| Total risk-based capital ratio | 16.3438% | 3,194 |
| Memoranda: | ||
| Average total assets | $659,395,500 | 1,017 |
| Average earning assets | $599,088,250 | 1,015 |
| Average equity | $60,012,000 | 1,111 |
| Average total loans | $565,295,500 | 799 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3646% | 440 |
| Cost of funding earning assets | 1.9755% | 967 |
| Net interest margin | 4.3891% | 1,478 |
| Noninterest income to average assets | 2.5310% | 268 |
| Noninterest expense to average assets | 3.6775% | 1,602 |
| Loan and lease loss provision to assets | 0.5000% | 2,801 |
| Net operating income to assets | 2.3384% | 186 |
| Return on assets (ROA) | 2.2560% | 226 |
| Pretax return on assets | 2.2560% | 368 |
| Return on Equity (ROE) | 24.8648% | 128 |
| Retained earnings to average equity (ytd only) | 12.1984% | 462 |
| Net charge-offs to loans | 0.2990% | 3,823 |
| Credit loss provision to net charge-offs | 195.3125% | 2,023 |
| Earnings coverage of net charge-offs (x) | 11.0877% | 1,804 |
| Efficiency ratio | 56.1175% | 6,623 |
| Assets per employee ($millions) | 2.9384% | 6,279 |
| Cash dividends to net income (ytd only)* | 50.9411% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 4,579 |
| Loan loss allowance to noncurrent loans | 36.4012% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 4.6371% | 1,410 |
| Noncurrent loans to loans | 3.7636% | 2,060 |
| Net loans and leases to total assets | 84.5227% | 318 |
| Net loans and leases to deposits | 114.6285% | 195 |
| Net loans and leases to core deposits | 134.9206% | 346 |
| Total domestic deposits to total assets | 73.7362% | 7,002 |
| Equity capital to assets | 9.1529% | 5,208 |
| Core capital (leverage) ratio | 8.8658% | 4,809 |
| Tier 1 risk-based capital ratio | 14.6403% | 3,359 |
| Total risk-based capital ratio | 15.9183% | 3,318 |
| Memoranda: | ||
| Average total assets | $650,013,330 | 1,044 |
| Average earning assets | $590,142,670 | 1,039 |
| Average equity | $58,975,000 | 1,122 |
| Average total loans | $556,448,000 | 822 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3491% | 487 |
| Cost of funding earning assets | 2.0500% | 942 |
| Net interest margin | 4.2992% | 1,696 |
| Noninterest income to average assets | 2.3401% | 273 |
| Noninterest expense to average assets | 3.5946% | 1,746 |
| Loan and lease loss provision to assets | 0.3741% | 3,126 |
| Net operating income to assets | 2.2734% | 222 |
| Return on assets (ROA) | 2.1063% | 321 |
| Pretax return on assets | 2.1063% | 503 |
| Return on Equity (ROE) | 23.3219% | 213 |
| Retained earnings to average equity (ytd only) | 9.1686% | 1,353 |
| Net charge-offs to loans | 0.3170% | 3,147 |
| Credit loss provision to net charge-offs | 137.9310% | 2,566 |
| Earnings coverage of net charge-offs (x) | 9.7609% | 1,812 |
| Efficiency ratio | 57.2470% | 6,597 |
| Assets per employee ($millions) | 2.7856% | 6,669 |
| Cash dividends to net income (ytd only)* | 60.6868% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 4,953 |
| Loan loss allowance to noncurrent loans | 39.2342% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 4.1464% | 1,643 |
| Noncurrent loans to loans | 3.3052% | 2,416 |
| Net loans and leases to total assets | 84.8351% | 305 |
| Net loans and leases to deposits | 114.5427% | 205 |
| Net loans and leases to core deposits | 135.5035% | 388 |
| Total domestic deposits to total assets | 74.0642% | 7,041 |
| Equity capital to assets | 9.0862% | 5,154 |
| Core capital (leverage) ratio | 8.7203% | 4,987 |
| Tier 1 risk-based capital ratio | 14.4238% | 3,426 |
| Total risk-based capital ratio | 15.6961% | 3,381 |
| Memoranda: | ||
| Average total assets | $641,515,500 | 1,081 |
| Average earning assets | $582,252,500 | 1,072 |
| Average equity | $57,937,000 | 1,149 |
| Average total loans | $548,869,500 | 856 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7628% | 408 |
| Cost of funding earning assets | 2.6397% | 691 |
| Net interest margin | 4.1231% | 2,353 |
| Noninterest income to average assets | 2.3385% | 303 |
| Noninterest expense to average assets | 3.7738% | 1,744 |
| Loan and lease loss provision to assets | 0.2821% | 5,163 |
| Net operating income to assets | 2.0355% | 214 |
| Return on assets (ROA) | 1.9033% | 295 |
| Pretax return on assets | 1.9033% | 505 |
| Return on Equity (ROE) | 21.3736% | 184 |
| Retained earnings to average equity (ytd only) | 7.3261% | 868 |
| Net charge-offs to loans | 0.2420% | 5,111 |
| Credit loss provision to net charge-offs | 134.6154% | 3,685 |
| Earnings coverage of net charge-offs (x) | 11.0592% | 1,630 |
| Efficiency ratio | 61.5936% | 6,222 |
| Assets per employee ($millions) | 2.7565% | 6,740 |
| Cash dividends to net income (ytd only)* | 65.7237% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 4,781 |
| Loan loss allowance to noncurrent loans | 44.3059% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 4.0651% | 1,623 |
| Noncurrent loans to loans | 2.9293% | 2,635 |
| Net loans and leases to total assets | 84.0558% | 426 |
| Net loans and leases to deposits | 111.7468% | 324 |
| Net loans and leases to core deposits | 151.3450% | 482 |
| Total domestic deposits to total assets | 75.2198% | 6,825 |
| Equity capital to assets | 8.9756% | 5,182 |
| Core capital (leverage) ratio | 8.4578% | 5,351 |
| Tier 1 risk-based capital ratio | 14.2204% | 3,366 |
| Total risk-based capital ratio | 15.4924% | 3,305 |
| Memoranda: | ||
| Average total assets | $620,351,200 | 1,117 |
| Average earning assets | $564,646,000 | 1,117 |
| Average equity | $55,241,000 | 1,190 |
| Average total loans | $537,257,000 | 890 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7693% | 447 |
| Cost of funding earning assets | 2.7279% | 725 |
| Net interest margin | 4.0414% | 2,630 |
| Noninterest income to average assets | 2.4057% | 281 |
| Noninterest expense to average assets | 3.7962% | 1,596 |
| Loan and lease loss provision to assets | 0.2813% | 4,729 |
| Net operating income to assets | 2.0095% | 288 |
| Return on assets (ROA) | 1.9362% | 360 |
| Pretax return on assets | 1.9362% | 610 |
| Return on Equity (ROE) | 21.7879% | 212 |
| Retained earnings to average equity (ytd only) | 9.0911% | 824 |
| Net charge-offs to loans | 0.2020% | 4,786 |
| Credit loss provision to net charge-offs | 160.0985% | 2,964 |
| Earnings coverage of net charge-offs (x) | 13.0394% | 1,706 |
| Efficiency ratio | 62.0033% | 6,097 |
| Assets per employee ($millions) | 2.7360% | 6,769 |
| Cash dividends to net income (ytd only)* | 58.2747% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 4,857 |
| Loan loss allowance to noncurrent loans | 51.7062% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 3.4696% | 1,923 |
| Noncurrent loans to loans | 2.4114% | 3,124 |
| Net loans and leases to total assets | 87.9132% | 211 |
| Net loans and leases to deposits | 114.6250% | 304 |
| Net loans and leases to core deposits | 157.7908% | 420 |
| Total domestic deposits to total assets | 76.6963% | 6,428 |
| Equity capital to assets | 8.8734% | 5,669 |
| Core capital (leverage) ratio | 8.4701% | 5,543 |
| Tier 1 risk-based capital ratio | 14.2527% | 3,409 |
| Total risk-based capital ratio | 15.5249% | 3,344 |
| Memoranda: | ||
| Average total assets | $616,248,250 | 1,139 |
| Average earning assets | $561,345,000 | 1,134 |
| Average equity | $54,763,000 | 1,219 |
| Average total loans | $536,002,750 | 906 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7607% | 484 |
| Cost of funding earning assets | 2.8079% | 773 |
| Net interest margin | 3.9528% | 2,879 |
| Noninterest income to average assets | 2.4883% | 267 |
| Noninterest expense to average assets | 3.8242% | 1,617 |
| Loan and lease loss provision to assets | 0.2298% | 4,745 |
| Net operating income to assets | 2.0287% | 276 |
| Return on assets (ROA) | 1.9174% | 389 |
| Pretax return on assets | 1.9174% | 673 |
| Return on Equity (ROE) | 21.5651% | 259 |
| Retained earnings to average equity (ytd only) | 10.0366% | 727 |
| Net charge-offs to loans | 0.2306% | 4,057 |
| Credit loss provision to net charge-offs | 115.5116% | 4,006 |
| Earnings coverage of net charge-offs (x) | 11.3515% | 1,910 |
| Efficiency ratio | 62.5034% | 6,166 |
| Assets per employee ($millions) | 2.6979% | 6,836 |
| Cash dividends to net income (ytd only)* | 53.4589% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 4,514 |
| Loan loss allowance to noncurrent loans | 45.5767% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.7625% | 1,624 |
| Noncurrent loans to loans | 2.7714% | 2,598 |
| Net loans and leases to total assets | 84.5464% | 550 |
| Net loans and leases to deposits | 111.9370% | 480 |
| Net loans and leases to core deposits | 149.2849% | 675 |
| Total domestic deposits to total assets | 75.5303% | 6,655 |
| Equity capital to assets | 9.0377% | 5,258 |
| Core capital (leverage) ratio | 8.5962% | 5,269 |
| Tier 1 risk-based capital ratio | 14.3014% | 3,356 |
| Total risk-based capital ratio | 15.5609% | 3,283 |
| Memoranda: | ||
| Average total assets | $609,168,670 | 1,173 |
| Average earning assets | $553,939,330 | 1,168 |
| Average equity | $54,161,670 | 1,239 |
| Average total loans | $525,500,000 | 938 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7255% | 555 |
| Cost of funding earning assets | 2.8947% | 782 |
| Net interest margin | 3.8308% | 3,333 |
| Noninterest income to average assets | 2.3814% | 268 |
| Noninterest expense to average assets | 3.7279% | 1,599 |
| Loan and lease loss provision to assets | 0.2315% | 4,137 |
| Net operating income to assets | 1.9106% | 416 |
| Return on assets (ROA) | 1.6864% | 730 |
| Pretax return on assets | 1.6864% | 1,203 |
| Return on Equity (ROE) | 19.1282% | 494 |
| Retained earnings to average equity (ytd only) | 4.9583% | 3,151 |
| Net charge-offs to loans | 0.1237% | 3,980 |
| Credit loss provision to net charge-offs | 216.0494% | 2,090 |
| Earnings coverage of net charge-offs (x) | 19.9938% | 1,396 |
| Efficiency ratio | 63.1253% | 5,849 |
| Assets per employee ($millions) | 2.7046% | 6,876 |
| Cash dividends to net income (ytd only)* | 74.0784% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 4,117 |
| Loan loss allowance to noncurrent loans | 49.9705% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 3.3514% | 1,630 |
| Noncurrent loans to loans | 2.5857% | 2,548 |
| Net loans and leases to total assets | 85.0663% | 542 |
| Net loans and leases to deposits | 111.0839% | 563 |
| Net loans and leases to core deposits | 146.4191% | 840 |
| Total domestic deposits to total assets | 76.5784% | 6,385 |
| Equity capital to assets | 8.7312% | 5,720 |
| Core capital (leverage) ratio | 8.1406% | 6,203 |
| Tier 1 risk-based capital ratio | 13.1763% | 4,069 |
| Total risk-based capital ratio | 14.4333% | 3,985 |
| Memoranda: | ||
| Average total assets | $604,848,000 | 1,182 |
| Average earning assets | $550,797,500 | 1,182 |
| Average equity | $53,324,500 | 1,267 |
| Average total loans | $523,741,000 | 951 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8438% | 229 |
| Cost of funding earning assets | 3.4829% | 551 |
| Net interest margin | 4.3609% | 1,790 |
| Noninterest income to average assets | 2.0631% | 331 |
| Noninterest expense to average assets | 3.7147% | 1,926 |
| Loan and lease loss provision to assets | 0.1306% | 5,697 |
| Net operating income to assets | 2.1809% | 250 |
| Return on assets (ROA) | 1.9916% | 342 |
| Pretax return on assets | 1.9916% | 617 |
| Return on Equity (ROE) | 22.7963% | 223 |
| Retained earnings to average equity (ytd only) | 7.0107% | 1,149 |
| Net charge-offs to loans | 0.1308% | 4,923 |
| Credit loss provision to net charge-offs | 113.7830% | 4,743 |
| Earnings coverage of net charge-offs (x) | 20.1422% | 1,588 |
| Efficiency ratio | 61.2627% | 6,116 |
| Assets per employee ($millions) | 2.6138% | 6,977 |
| Cash dividends to net income (ytd only)* | 69.2464% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 4,052 |
| Loan loss allowance to noncurrent loans | 68.8977% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.8348% | 1,655 |
| Noncurrent loans to loans | 1.8281% | 3,018 |
| Net loans and leases to total assets | 85.9104% | 617 |
| Net loans and leases to deposits | 111.5362% | 732 |
| Net loans and leases to core deposits | 145.3214% | 1,035 |
| Total domestic deposits to total assets | 77.0247% | 5,983 |
| Equity capital to assets | 8.9022% | 5,502 |
| Core capital (leverage) ratio | 8.2518% | 6,053 |
| Tier 1 risk-based capital ratio | 12.9958% | 4,114 |
| Total risk-based capital ratio | 14.2517% | 4,025 |
| Memoranda: | ||
| Average total assets | $594,292,200 | 1,136 |
| Average earning assets | $540,069,400 | 1,143 |
| Average equity | $51,920,600 | 1,298 |
| Average total loans | $521,521,800 | 909 |