Home > First Guaranty Bank > Performance and Condition Ratios
First Guaranty Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2191% | 1,004 |
| Cost of funding earning assets | 3.5801% | 162 |
| Net interest margin | 2.6391% | 3,721 |
| Noninterest income to average assets | 0.6300% | 1,401 |
| Noninterest expense to average assets | 2.0209% | 3,566 |
| Loan and lease loss provision to assets | 0.5400% | 183 |
| Net operating income to assets | 0.4695% | 3,550 |
| Return on assets (ROA) | 0.4695% | 3,564 |
| Pretax return on assets | 0.6014% | 3,452 |
| Return on Equity (ROE) | 5.7000% | 3,355 |
| Retained earnings to average equity (ytd only) | 2.6547% | 3,167 |
| Net charge-offs to loans | 0.6406% | 236 |
| Credit loss provision to net charge-offs | 121.9696% | 1,643 |
| Earnings coverage of net charge-offs (x) | 2.3993% | 2,828 |
| Efficiency ratio | 63.3468% | 2,785 |
| Assets per employee ($millions) | 9.9508% | 794 |
| Cash dividends to net income (ytd only)* | 53.4058% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 1,710 |
| Loan loss allowance to noncurrent loans | 29.0017% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 3.0312% | 82 |
| Noncurrent loans to loans | 4.4559% | 80 |
| Net loans and leases to total assets | 66.9700% | 2,263 |
| Net loans and leases to deposits | 76.4335% | 2,409 |
| Net loans and leases to core deposits | 105.9411% | 1,127 |
| Total domestic deposits to total assets | 87.6200% | 1,663 |
| Equity capital to assets | 7.8219% | 3,613 |
| Core capital (leverage) ratio | 7.8186% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1075% | 2,501 |
| Memoranda: | ||
| Average total assets | $3,721,370,200 | 354 |
| Average earning assets | $3,561,948,000 | 338 |
| Average equity | $306,629,800 | 415 |
| Average total loans | $2,759,543,800 | 336 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2411% | 956 |
| Cost of funding earning assets | 3.5752% | 171 |
| Net interest margin | 2.6659% | 3,655 |
| Noninterest income to average assets | 0.7800% | 920 |
| Noninterest expense to average assets | 2.1116% | 3,301 |
| Loan and lease loss provision to assets | 0.5100% | 175 |
| Net operating income to assets | 0.5482% | 3,361 |
| Return on assets (ROA) | 0.5485% | 3,384 |
| Pretax return on assets | 0.7079% | 3,249 |
| Return on Equity (ROE) | 6.5700% | 3,162 |
| Retained earnings to average equity (ytd only) | 2.4965% | 3,320 |
| Net charge-offs to loans | 0.6224% | 212 |
| Credit loss provision to net charge-offs | 118.1664% | 1,507 |
| Earnings coverage of net charge-offs (x) | 2.5800% | 2,582 |
| Efficiency ratio | 62.8446% | 2,829 |
| Assets per employee ($millions) | 9.7072% | 840 |
| Cash dividends to net income (ytd only)* | 61.9810% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,209 |
| Loan loss allowance to noncurrent loans | 50.5291% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.7091% | 266 |
| Noncurrent loans to loans | 2.3781% | 304 |
| Net loans and leases to total assets | 69.7800% | 1,877 |
| Net loans and leases to deposits | 79.6518% | 2,220 |
| Net loans and leases to core deposits | 106.4081% | 1,120 |
| Total domestic deposits to total assets | 87.6000% | 1,384 |
| Equity capital to assets | 7.8994% | 3,774 |
| Core capital (leverage) ratio | 8.3165% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6647% | 2,648 |
| Memoranda: | ||
| Average total assets | $3,659,117,000 | 349 |
| Average earning assets | $3,500,299,500 | 335 |
| Average equity | $305,647,750 | 410 |
| Average total loans | $2,775,984,750 | 331 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2344% | 878 |
| Cost of funding earning assets | 3.5462% | 160 |
| Net interest margin | 2.6882% | 3,602 |
| Noninterest income to average assets | 0.9700% | 628 |
| Noninterest expense to average assets | 2.1701% | 3,163 |
| Loan and lease loss provision to assets | 0.5100% | 167 |
| Net operating income to assets | 0.6689% | 3,019 |
| Return on assets (ROA) | 0.6686% | 3,047 |
| Pretax return on assets | 0.8642% | 2,834 |
| Return on Equity (ROE) | 7.8500% | 2,785 |
| Retained earnings to average equity (ytd only) | 2.1784% | 3,293 |
| Net charge-offs to loans | 0.7594% | 172 |
| Credit loss provision to net charge-offs | 93.9331% | 1,555 |
| Earnings coverage of net charge-offs (x) | 2.3270% | 2,412 |
| Efficiency ratio | 60.6704% | 3,144 |
| Assets per employee ($millions) | 7.2979% | 1,870 |
| Cash dividends to net income (ytd only)* | 72.2422% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 2,945 |
| Loan loss allowance to noncurrent loans | 48.4406% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.7594% | 241 |
| Noncurrent loans to loans | 2.2067% | 317 |
| Net loans and leases to total assets | 77.5900% | 953 |
| Net loans and leases to deposits | 91.8953% | 1,132 |
| Net loans and leases to core deposits | 107.2088% | 1,088 |
| Total domestic deposits to total assets | 84.4400% | 2,474 |
| Equity capital to assets | 8.4839% | 3,112 |
| Core capital (leverage) ratio | 8.6075% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2754% | 2,744 |
| Memoranda: | ||
| Average total assets | $3,571,588,333 | 354 |
| Average earning assets | $3,415,354,667 | 340 |
| Average equity | $304,266,333 | 408 |
| Average total loans | $2,778,096,000 | 328 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2220% | 826 |
| Cost of funding earning assets | 3.4864% | 161 |
| Net interest margin | 2.7356% | 3,492 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.0979% | 3,319 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.3851% | 3,652 |
| Return on assets (ROA) | 0.3847% | 3,677 |
| Pretax return on assets | 0.4944% | 3,584 |
| Return on Equity (ROE) | 4.5100% | 3,560 |
| Retained earnings to average equity (ytd only) | 1.3722% | 3,399 |
| Net charge-offs to loans | 0.2954% | 310 |
| Credit loss provision to net charge-offs | 125.7509% | 1,024 |
| Earnings coverage of net charge-offs (x) | 3.2979% | 1,945 |
| Efficiency ratio | 72.8626% | 1,864 |
| Assets per employee ($millions) | 7.1623% | 1,988 |
| Cash dividends to net income (ytd only)* | 69.5461% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 2,580 |
| Loan loss allowance to noncurrent loans | 72.6932% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.2540% | 407 |
| Noncurrent loans to loans | 1.5720% | 501 |
| Net loans and leases to total assets | 76.5900% | 1,000 |
| Net loans and leases to deposits | 88.6178% | 1,309 |
| Net loans and leases to core deposits | 104.3429% | 1,189 |
| Total domestic deposits to total assets | 86.4200% | 1,961 |
| Equity capital to assets | 8.5572% | 2,980 |
| Core capital (leverage) ratio | 8.6352% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3937% | 2,730 |
| Memoranda: | ||
| Average total assets | $3,551,153,500 | 359 |
| Average earning assets | $3,398,714,000 | 344 |
| Average equity | $303,161,500 | 414 |
| Average total loans | $2,750,469,000 | 336 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7604% | 874 |
| Cost of funding earning assets | 2.9549% | 158 |
| Net interest margin | 2.8055% | 3,650 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.3168% | 2,806 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.4376% | 3,793 |
| Return on assets (ROA) | 0.4377% | 3,792 |
| Pretax return on assets | 0.5568% | 3,709 |
| Return on Equity (ROE) | 5.0000% | 3,722 |
| Retained earnings to average equity (ytd only) | 1.3565% | 3,747 |
| Net charge-offs to loans | 0.1673% | 629 |
| Credit loss provision to net charge-offs | 83.8188% | 1,997 |
| Earnings coverage of net charge-offs (x) | 5.0471% | 2,548 |
| Efficiency ratio | 76.9009% | 1,174 |
| Assets per employee ($millions) | 7.2298% | 1,918 |
| Cash dividends to net income (ytd only)* | 72.8682% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 2,693 |
| Loan loss allowance to noncurrent loans | 76.4077% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 378 |
| Noncurrent loans to loans | 1.4725% | 469 |
| Net loans and leases to total assets | 76.5600% | 1,039 |
| Net loans and leases to deposits | 90.0510% | 1,259 |
| Net loans and leases to core deposits | 105.7521% | 1,123 |
| Total domestic deposits to total assets | 85.0200% | 2,306 |
| Equity capital to assets | 8.5167% | 3,042 |
| Core capital (leverage) ratio | 8.9429% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1316% | 2,799 |
| Memoranda: | ||
| Average total assets | $3,316,870,600 | 362 |
| Average earning assets | $3,173,428,000 | 348 |
| Average equity | $290,384,000 | 407 |
| Average total loans | $2,626,417,200 | 330 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6686% | 829 |
| Cost of funding earning assets | 2.8092% | 155 |
| Net interest margin | 2.8593% | 3,619 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.3493% | 2,660 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.4957% | 3,772 |
| Return on assets (ROA) | 0.4952% | 3,776 |
| Pretax return on assets | 0.6299% | 3,682 |
| Return on Equity (ROE) | 5.6200% | 3,707 |
| Retained earnings to average equity (ytd only) | 1.5407% | 3,834 |
| Net charge-offs to loans | 0.0452% | 1,245 |
| Credit loss provision to net charge-offs | 133.8636% | 1,396 |
| Earnings coverage of net charge-offs (x) | 19.2011% | 1,842 |
| Efficiency ratio | 76.5603% | 1,126 |
| Assets per employee ($millions) | 6.8315% | 2,085 |
| Cash dividends to net income (ytd only)* | 72.5628% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,451 |
| Loan loss allowance to noncurrent loans | 94.7684% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.0198% | 498 |
| Noncurrent loans to loans | 1.2484% | 619 |
| Net loans and leases to total assets | 78.0900% | 868 |
| Net loans and leases to deposits | 94.6736% | 848 |
| Net loans and leases to core deposits | 108.5661% | 925 |
| Total domestic deposits to total assets | 82.4900% | 3,124 |
| Equity capital to assets | 8.5010% | 2,732 |
| Core capital (leverage) ratio | 8.9412% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7172% | 2,866 |
| Memoranda: | ||
| Average total assets | $3,258,635,500 | 371 |
| Average earning assets | $3,117,536,000 | 355 |
| Average equity | $287,398,000 | 412 |
| Average total loans | $2,595,844,500 | 332 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5321% | 795 |
| Cost of funding earning assets | 2.5823% | 164 |
| Net interest margin | 2.9498% | 3,561 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.3719% | 2,590 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5727% | 3,647 |
| Return on assets (ROA) | 0.5696% | 3,662 |
| Pretax return on assets | 0.7230% | 3,557 |
| Return on Equity (ROE) | 6.3800% | 3,603 |
| Retained earnings to average equity (ytd only) | 2.3386% | 3,637 |
| Net charge-offs to loans | 0.0429% | 1,077 |
| Credit loss provision to net charge-offs | 140.6193% | 1,233 |
| Earnings coverage of net charge-offs (x) | 22.7960% | 1,687 |
| Efficiency ratio | 74.5489% | 1,299 |
| Assets per employee ($millions) | 6.5591% | 2,247 |
| Cash dividends to net income (ytd only)* | 63.3268% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,289 |
| Loan loss allowance to noncurrent loans | 130.3588% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 640 |
| Noncurrent loans to loans | 0.9434% | 807 |
| Net loans and leases to total assets | 79.1300% | 723 |
| Net loans and leases to deposits | 92.3828% | 999 |
| Net loans and leases to core deposits | 102.8921% | 1,094 |
| Total domestic deposits to total assets | 85.6600% | 2,343 |
| Equity capital to assets | 8.9620% | 2,538 |
| Core capital (leverage) ratio | 9.2945% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1796% | 2,822 |
| Memoranda: | ||
| Average total assets | $3,206,263,333 | 366 |
| Average earning assets | $3,071,732,333 | 349 |
| Average equity | $286,406,000 | 400 |
| Average total loans | $2,561,328,333 | 322 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3941% | 726 |
| Cost of funding earning assets | 2.3435% | 132 |
| Net interest margin | 3.0507% | 3,464 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.3918% | 2,555 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.6399% | 3,609 |
| Return on assets (ROA) | 0.6406% | 3,567 |
| Pretax return on assets | 0.8079% | 3,446 |
| Return on Equity (ROE) | 7.1800% | 3,481 |
| Retained earnings to average equity (ytd only) | 4.0322% | 3,264 |
| Net charge-offs to loans | 0.0760% | 693 |
| Credit loss provision to net charge-offs | 64.8760% | 1,263 |
| Earnings coverage of net charge-offs (x) | 13.9566% | 1,575 |
| Efficiency ratio | 73.1902% | 1,416 |
| Assets per employee ($millions) | 6.8556% | 2,072 |
| Cash dividends to net income (ytd only)* | 43.8686% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,437 |
| Loan loss allowance to noncurrent loans | 132.5303% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 630 |
| Noncurrent loans to loans | 0.9224% | 817 |
| Net loans and leases to total assets | 78.5800% | 701 |
| Net loans and leases to deposits | 88.7800% | 1,151 |
| Net loans and leases to core deposits | 98.0665% | 1,170 |
| Total domestic deposits to total assets | 88.5100% | 1,734 |
| Equity capital to assets | 8.7273% | 2,718 |
| Core capital (leverage) ratio | 9.1653% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9826% | 2,951 |
| Memoranda: | ||
| Average total assets | $3,192,587,500 | 379 |
| Average earning assets | $3,059,411,500 | 363 |
| Average equity | $284,710,500 | 409 |
| Average total loans | $2,546,659,500 | 335 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 460 |
| Cost of funding earning assets | 1.1815% | 75 |
| Net interest margin | 3.5809% | 1,697 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.2978% | 2,741 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0760% | 2,280 |
| Return on assets (ROA) | 1.0741% | 2,224 |
| Pretax return on assets | 1.3549% | 1,919 |
| Return on Equity (ROE) | 11.8200% | 2,207 |
| Retained earnings to average equity (ytd only) | 3.7893% | 3,465 |
| Net charge-offs to loans | 0.1793% | 465 |
| Credit loss provision to net charge-offs | 87.7370% | 1,647 |
| Earnings coverage of net charge-offs (x) | 10.6386% | 2,186 |
| Efficiency ratio | 60.2186% | 3,029 |
| Assets per employee ($millions) | 6.6723% | 2,200 |
| Cash dividends to net income (ytd only)* | 67.9292% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 3,653 |
| Loan loss allowance to noncurrent loans | 133.6858% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 895 |
| Noncurrent loans to loans | 0.6984% | 1,072 |
| Net loans and leases to total assets | 79.2400% | 677 |
| Net loans and leases to deposits | 91.5091% | 947 |
| Net loans and leases to core deposits | 97.7945% | 1,109 |
| Total domestic deposits to total assets | 86.5900% | 2,540 |
| Equity capital to assets | 9.1136% | 2,286 |
| Core capital (leverage) ratio | 9.3529% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1644% | 2,944 |
| Memoranda: | ||
| Average total assets | $2,996,536,400 | 393 |
| Average earning assets | $2,863,017,600 | 375 |
| Average equity | $272,399,200 | 411 |
| Average total loans | $2,324,524,000 | 333 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 400 |
| Cost of funding earning assets | 0.9367% | 85 |
| Net interest margin | 3.6954% | 1,151 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.2822% | 2,685 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.1730% | 1,797 |
| Return on assets (ROA) | 1.1703% | 1,786 |
| Pretax return on assets | 1.4785% | 1,473 |
| Return on Equity (ROE) | 12.8800% | 1,740 |
| Retained earnings to average equity (ytd only) | 3.6128% | 3,581 |
| Net charge-offs to loans | 0.2026% | 327 |
| Credit loss provision to net charge-offs | 83.7814% | 1,408 |
| Earnings coverage of net charge-offs (x) | 10.3435% | 1,988 |
| Efficiency ratio | 57.9934% | 3,384 |
| Assets per employee ($millions) | 6.5000% | 2,319 |
| Cash dividends to net income (ytd only)* | 71.9567% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,610 |
| Loan loss allowance to noncurrent loans | 159.6245% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 1,022 |
| Noncurrent loans to loans | 0.6082% | 1,331 |
| Net loans and leases to total assets | 77.3700% | 766 |
| Net loans and leases to deposits | 88.2687% | 1,014 |
| Net loans and leases to core deposits | 94.1940% | 1,081 |
| Total domestic deposits to total assets | 87.6500% | 2,537 |
| Equity capital to assets | 9.1548% | 2,117 |
| Core capital (leverage) ratio | 9.3896% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4851% | 2,953 |
| Memoranda: | ||
| Average total assets | $2,958,334,000 | 395 |
| Average earning assets | $2,823,921,250 | 383 |
| Average equity | $268,744,250 | 419 |
| Average total loans | $2,275,885,750 | 336 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 365 |
| Cost of funding earning assets | 0.7693% | 112 |
| Net interest margin | 3.7495% | 837 |
| Noninterest income to average assets | 0.2928% | 3,411 |
| Noninterest expense to average assets | 2.2890% | 2,581 |
| Loan and lease loss provision to assets | 0.0954% | 1,042 |
| Net operating income to assets | 1.1814% | 1,494 |
| Return on assets (ROA) | 1.1784% | 1,481 |
| Pretax return on assets | 1.4889% | 1,201 |
| Return on Equity (ROE) | 13.0075% | 1,378 |
| Retained earnings to average equity (ytd only) | 3.6088% | 3,231 |
| Net charge-offs to loans | 0.1647% | 381 |
| Credit loss provision to net charge-offs | 75.6948% | 1,409 |
| Earnings coverage of net charge-offs (x) | 12.6054% | 1,703 |
| Efficiency ratio | 58.4229% | 3,497 |
| Assets per employee ($millions) | 6.2251% | 2,546 |
| Cash dividends to net income (ytd only)* | 72.2559% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,483 |
| Loan loss allowance to noncurrent loans | 168.8480% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 1,073 |
| Noncurrent loans to loans | 0.6084% | 1,393 |
| Net loans and leases to total assets | 76.8417% | 651 |
| Net loans and leases to deposits | 85.2207% | 1,037 |
| Net loans and leases to core deposits | 90.2294% | 1,107 |
| Total domestic deposits to total assets | 90.1678% | 1,643 |
| Equity capital to assets | 9.3538% | 2,127 |
| Core capital (leverage) ratio | 9.3774% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7392% | 2,875 |
| Memoranda: | ||
| Average total assets | $2,913,110,000 | 393 |
| Average earning assets | $2,784,699,333 | 383 |
| Average equity | $263,909,000 | 425 |
| Average total loans | $2,228,738,667 | 334 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 373 |
| Cost of funding earning assets | 0.7424% | 125 |
| Net interest margin | 3.6630% | 805 |
| Noninterest income to average assets | 0.2622% | 3,560 |
| Noninterest expense to average assets | 2.2562% | 2,666 |
| Loan and lease loss provision to assets | 0.0874% | 945 |
| Net operating income to assets | 1.1232% | 1,464 |
| Return on assets (ROA) | 1.1188% | 1,469 |
| Pretax return on assets | 1.4139% | 1,215 |
| Return on Equity (ROE) | 12.5589% | 1,137 |
| Retained earnings to average equity (ytd only) | 3.0826% | 3,230 |
| Net charge-offs to loans | 0.0942% | 545 |
| Credit loss provision to net charge-offs | 122.2437% | 925 |
| Earnings coverage of net charge-offs (x) | 21.0677% | 1,265 |
| Efficiency ratio | 59.3162% | 3,553 |
| Assets per employee ($millions) | 6.0084% | 2,804 |
| Cash dividends to net income (ytd only)* | 75.4544% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,408 |
| Loan loss allowance to noncurrent loans | 124.9884% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 772 |
| Noncurrent loans to loans | 0.8658% | 1,084 |
| Net loans and leases to total assets | 75.8917% | 515 |
| Net loans and leases to deposits | 83.8156% | 891 |
| Net loans and leases to core deposits | 88.9843% | 968 |
| Total domestic deposits to total assets | 90.5461% | 1,272 |
| Equity capital to assets | 8.9356% | 2,767 |
| Core capital (leverage) ratio | 8.7952% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3843% | 2,997 |
| Memoranda: | ||
| Average total assets | $2,891,200,000 | 397 |
| Average earning assets | $2,763,327,500 | 388 |
| Average equity | $257,571,000 | 442 |
| Average total loans | $2,195,239,000 | 338 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 764 |
| Cost of funding earning assets | 0.8091% | 198 |
| Net interest margin | 3.5534% | 1,594 |
| Noninterest income to average assets | 0.3419% | 3,367 |
| Noninterest expense to average assets | 2.2908% | 2,823 |
| Loan and lease loss provision to assets | 0.0762% | 1,593 |
| Net operating income to assets | 1.0716% | 2,404 |
| Return on assets (ROA) | 1.0920% | 2,398 |
| Pretax return on assets | 1.3786% | 2,116 |
| Return on Equity (ROE) | 12.1337% | 1,763 |
| Retained earnings to average equity (ytd only) | 3.5871% | 3,389 |
| Net charge-offs to loans | 0.1258% | 722 |
| Credit loss provision to net charge-offs | 80.7783% | 1,948 |
| Earnings coverage of net charge-offs (x) | 15.1407% | 2,007 |
| Efficiency ratio | 60.8218% | 3,021 |
| Assets per employee ($millions) | 6.1156% | 2,647 |
| Cash dividends to net income (ytd only)* | 70.4366% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,306 |
| Loan loss allowance to noncurrent loans | 115.3023% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 755 |
| Noncurrent loans to loans | 0.9651% | 1,038 |
| Net loans and leases to total assets | 74.2893% | 641 |
| Net loans and leases to deposits | 82.0765% | 1,062 |
| Net loans and leases to core deposits | 87.5794% | 1,105 |
| Total domestic deposits to total assets | 90.5123% | 709 |
| Equity capital to assets | 8.8817% | 3,738 |
| Core capital (leverage) ratio | 8.7119% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2211% | 3,022 |
| Memoranda: | ||
| Average total assets | $2,695,488,600 | 406 |
| Average earning assets | $2,562,293,800 | 395 |
| Average equity | $242,588,200 | 458 |
| Average total loans | $2,021,959,000 | 362 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 915 |
| Cost of funding earning assets | 0.8290% | 214 |
| Net interest margin | 3.4989% | 1,864 |
| Noninterest income to average assets | 0.3336% | 3,435 |
| Noninterest expense to average assets | 2.2841% | 2,795 |
| Loan and lease loss provision to assets | 0.0911% | 1,311 |
| Net operating income to assets | 1.0129% | 2,857 |
| Return on assets (ROA) | 1.0473% | 2,808 |
| Pretax return on assets | 1.3220% | 2,568 |
| Return on Equity (ROE) | 11.5959% | 2,179 |
| Retained earnings to average equity (ytd only) | 2.8341% | 3,953 |
| Net charge-offs to loans | 0.0665% | 979 |
| Credit loss provision to net charge-offs | 182.6613% | 1,252 |
| Earnings coverage of net charge-offs (x) | 27.4496% | 1,575 |
| Efficiency ratio | 61.7015% | 2,738 |
| Assets per employee ($millions) | 6.1894% | 2,519 |
| Cash dividends to net income (ytd only)* | 75.5595% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,885 |
| Loan loss allowance to noncurrent loans | 100.6235% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 682 |
| Noncurrent loans to loans | 1.2144% | 915 |
| Net loans and leases to total assets | 72.5674% | 818 |
| Net loans and leases to deposits | 80.3680% | 1,252 |
| Net loans and leases to core deposits | 87.9328% | 1,153 |
| Total domestic deposits to total assets | 90.2939% | 636 |
| Equity capital to assets | 8.9508% | 3,873 |
| Core capital (leverage) ratio | 8.7844% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4833% | 3,041 |
| Memoranda: | ||
| Average total assets | $2,650,775,000 | 420 |
| Average earning assets | $2,515,285,000 | 403 |
| Average equity | $239,412,500 | 465 |
| Average total loans | $1,987,609,000 | 367 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 1,092 |
| Cost of funding earning assets | 0.8461% | 234 |
| Net interest margin | 3.4038% | 2,129 |
| Noninterest income to average assets | 0.3601% | 3,300 |
| Noninterest expense to average assets | 2.3291% | 2,679 |
| Loan and lease loss provision to assets | 0.1163% | 1,085 |
| Net operating income to assets | 0.9075% | 3,192 |
| Return on assets (ROA) | 0.9716% | 3,078 |
| Pretax return on assets | 1.2260% | 2,841 |
| Return on Equity (ROE) | 10.7222% | 2,521 |
| Retained earnings to average equity (ytd only) | 2.6118% | 3,970 |
| Net charge-offs to loans | 0.0522% | 1,098 |
| Credit loss provision to net charge-offs | 295.1076% | 898 |
| Earnings coverage of net charge-offs (x) | 32.0039% | 1,274 |
| Efficiency ratio | 63.9796% | 2,430 |
| Assets per employee ($millions) | 5.9970% | 2,614 |
| Cash dividends to net income (ytd only)* | 75.6409% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,753 |
| Loan loss allowance to noncurrent loans | 90.3122% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.1022% | 666 |
| Noncurrent loans to loans | 1.3672% | 852 |
| Net loans and leases to total assets | 74.3059% | 722 |
| Net loans and leases to deposits | 84.0920% | 1,063 |
| Net loans and leases to core deposits | 95.1291% | 849 |
| Total domestic deposits to total assets | 88.3626% | 1,641 |
| Equity capital to assets | 9.1570% | 3,649 |
| Core capital (leverage) ratio | 9.0938% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7777% | 3,000 |
| Memoranda: | ||
| Average total assets | $2,593,575,667 | 421 |
| Average earning assets | $2,461,177,333 | 410 |
| Average equity | $235,008,333 | 469 |
| Average total loans | $1,958,991,667 | 372 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 1,141 |
| Cost of funding earning assets | 0.8832% | 242 |
| Net interest margin | 3.3487% | 2,254 |
| Noninterest income to average assets | 0.3388% | 3,405 |
| Noninterest expense to average assets | 2.3311% | 2,698 |
| Loan and lease loss provision to assets | 0.0966% | 1,392 |
| Net operating income to assets | 0.8692% | 3,209 |
| Return on assets (ROA) | 0.8799% | 3,261 |
| Pretax return on assets | 1.1097% | 3,088 |
| Return on Equity (ROE) | 9.7672% | 2,767 |
| Retained earnings to average equity (ytd only) | 2.7165% | 3,864 |
| Net charge-offs to loans | 0.0701% | 853 |
| Credit loss provision to net charge-offs | 182.0359% | 918 |
| Earnings coverage of net charge-offs (x) | 22.4731% | 1,209 |
| Efficiency ratio | 65.2131% | 2,336 |
| Assets per employee ($millions) | 5.5414% | 3,078 |
| Cash dividends to net income (ytd only)* | 72.1871% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,612 |
| Loan loss allowance to noncurrent loans | 85.1227% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.2121% | 614 |
| Noncurrent loans to loans | 1.4811% | 846 |
| Net loans and leases to total assets | 75.6781% | 660 |
| Net loans and leases to deposits | 83.6830% | 1,185 |
| Net loans and leases to core deposits | 97.0573% | 839 |
| Total domestic deposits to total assets | 90.4343% | 611 |
| Equity capital to assets | 8.7560% | 3,908 |
| Core capital (leverage) ratio | 8.3616% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5398% | 3,004 |
| Memoranda: | ||
| Average total assets | $2,517,058,000 | 429 |
| Average earning assets | $2,394,103,500 | 417 |
| Average equity | $226,758,500 | 476 |
| Average total loans | $1,905,283,500 | 376 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 1,285 |
| Cost of funding earning assets | 1.0717% | 455 |
| Net interest margin | 3.4384% | 2,649 |
| Noninterest income to average assets | 0.3227% | 3,528 |
| Noninterest expense to average assets | 2.3514% | 3,269 |
| Loan and lease loss provision to assets | 0.6318% | 297 |
| Net operating income to assets | 0.4725% | 4,087 |
| Return on assets (ROA) | 0.9691% | 2,549 |
| Pretax return on assets | 1.2213% | 2,256 |
| Return on Equity (ROE) | 9.9026% | 2,039 |
| Retained earnings to average equity (ytd only) | 2.4822% | 3,611 |
| Net charge-offs to loans | 0.0772% | 1,711 |
| Credit loss provision to net charge-offs | 1,155.0466% | 702 |
| Earnings coverage of net charge-offs (x) | 22.3874% | 1,856 |
| Efficiency ratio | 64.9115% | 2,690 |
| Assets per employee ($millions) | 5.7540% | 2,575 |
| Cash dividends to net income (ytd only)* | 74.9343% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,277 |
| Loan loss allowance to noncurrent loans | 75.9777% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.3980% | 552 |
| Noncurrent loans to loans | 1.7499% | 718 |
| Net loans and leases to total assets | 73.7146% | 1,065 |
| Net loans and leases to deposits | 83.9263% | 1,469 |
| Net loans and leases to core deposits | 97.8000% | 1,015 |
| Total domestic deposits to total assets | 87.8326% | 1,560 |
| Equity capital to assets | 9.2717% | 3,824 |
| Core capital (leverage) ratio | 8.5790% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2190% | 2,863 |
| Memoranda: | ||
| Average total assets | $2,354,854,800 | 416 |
| Average earning assets | $2,228,002,800 | 400 |
| Average equity | $230,444,600 | 450 |
| Average total loans | $1,668,837,400 | 405 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 1,313 |
| Cost of funding earning assets | 1.1192% | 499 |
| Net interest margin | 3.4784% | 2,663 |
| Noninterest income to average assets | 0.3235% | 3,550 |
| Noninterest expense to average assets | 2.3394% | 3,313 |
| Loan and lease loss provision to assets | 0.2651% | 1,535 |
| Net operating income to assets | 0.7976% | 3,103 |
| Return on assets (ROA) | 0.9173% | 2,763 |
| Pretax return on assets | 1.1570% | 2,541 |
| Return on Equity (ROE) | 9.2449% | 2,303 |
| Retained earnings to average equity (ytd only) | 2.1169% | 3,890 |
| Net charge-offs to loans | 0.0793% | 1,513 |
| Credit loss provision to net charge-offs | 478.3868% | 1,320 |
| Earnings coverage of net charge-offs (x) | 22.9276% | 1,818 |
| Efficiency ratio | 63.9546% | 2,742 |
| Assets per employee ($millions) | 6.0461% | 2,226 |
| Cash dividends to net income (ytd only)* | 77.1023% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 4,324 |
| Loan loss allowance to noncurrent loans | 44.4350% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.4416% | 611 |
| Noncurrent loans to loans | 1.8352% | 713 |
| Net loans and leases to total assets | 70.7167% | 1,855 |
| Net loans and leases to deposits | 80.8034% | 2,219 |
| Net loans and leases to core deposits | 94.6653% | 1,578 |
| Total domestic deposits to total assets | 87.5170% | 1,441 |
| Equity capital to assets | 9.4696% | 3,704 |
| Core capital (leverage) ratio | 8.5904% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0857% | 3,086 |
| Memoranda: | ||
| Average total assets | $2,326,453,250 | 412 |
| Average earning assets | $2,198,104,250 | 396 |
| Average equity | $230,838,500 | 443 |
| Average total loans | $1,625,013,000 | 410 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 1,320 |
| Cost of funding earning assets | 1.1964% | 511 |
| Net interest margin | 3.5383% | 2,678 |
| Noninterest income to average assets | 0.3229% | 3,529 |
| Noninterest expense to average assets | 2.4129% | 3,226 |
| Loan and lease loss provision to assets | 0.2720% | 1,574 |
| Net operating income to assets | 0.7780% | 3,122 |
| Return on assets (ROA) | 0.9074% | 2,782 |
| Pretax return on assets | 1.1451% | 2,566 |
| Return on Equity (ROE) | 8.9936% | 2,364 |
| Retained earnings to average equity (ytd only) | 1.9494% | 3,781 |
| Net charge-offs to loans | -0.0009% | 3,742 |
| Credit loss provision to net charge-offs | -44,014.2857% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9579% | 2,665 |
| Assets per employee ($millions) | 5.8552% | 2,309 |
| Cash dividends to net income (ytd only)* | 78.3247% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 4,177 |
| Loan loss allowance to noncurrent loans | 45.8327% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 674 |
| Noncurrent loans to loans | 1.8637% | 743 |
| Net loans and leases to total assets | 66.7958% | 2,522 |
| Net loans and leases to deposits | 76.6366% | 2,794 |
| Net loans and leases to core deposits | 92.5413% | 1,860 |
| Total domestic deposits to total assets | 87.1591% | 1,557 |
| Equity capital to assets | 9.6439% | 3,529 |
| Core capital (leverage) ratio | 8.8348% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8700% | 3,001 |
| Memoranda: | ||
| Average total assets | $2,265,566,333 | 414 |
| Average earning assets | $2,140,711,667 | 403 |
| Average equity | $228,583,667 | 445 |
| Average total loans | $1,570,367,000 | 414 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9342% | 1,106 |
| Cost of funding earning assets | 1.3351% | 502 |
| Net interest margin | 3.5991% | 2,665 |
| Noninterest income to average assets | 0.3372% | 3,501 |
| Noninterest expense to average assets | 2.5681% | 3,081 |
| Loan and lease loss provision to assets | 0.2284% | 1,356 |
| Net operating income to assets | 0.7437% | 3,117 |
| Return on assets (ROA) | 0.8160% | 2,940 |
| Pretax return on assets | 1.0310% | 2,734 |
| Return on Equity (ROE) | 7.8927% | 2,562 |
| Retained earnings to average equity (ytd only) | 1.3645% | 3,643 |
| Net charge-offs to loans | 0.0555% | 1,455 |
| Credit loss provision to net charge-offs | 584.5070% | 807 |
| Earnings coverage of net charge-offs (x) | 29.8873% | 1,183 |
| Efficiency ratio | 67.8664% | 2,695 |
| Assets per employee ($millions) | 5.3395% | 2,287 |
| Cash dividends to net income (ytd only)* | 82.7113% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 4,461 |
| Loan loss allowance to noncurrent loans | 41.5746% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4749% | 735 |
| Noncurrent loans to loans | 1.8626% | 790 |
| Net loans and leases to total assets | 68.1803% | 2,514 |
| Net loans and leases to deposits | 78.6013% | 2,824 |
| Net loans and leases to core deposits | 96.6454% | 1,736 |
| Total domestic deposits to total assets | 86.7420% | 1,672 |
| Equity capital to assets | 10.0613% | 3,721 |
| Core capital (leverage) ratio | 9.7094% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9389% | 3,118 |
| Memoranda: | ||
| Average total assets | $2,180,468,500 | 417 |
| Average earning assets | $2,059,098,000 | 403 |
| Average equity | $225,424,000 | 450 |
| Average total loans | $1,535,049,000 | 418 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0451% | 1,354 |
| Cost of funding earning assets | 1.5552% | 341 |
| Net interest margin | 3.4900% | 3,482 |
| Noninterest income to average assets | 0.4299% | 3,109 |
| Noninterest expense to average assets | 2.4193% | 3,635 |
| Loan and lease loss provision to assets | 0.2559% | 703 |
| Net operating income to assets | 0.8613% | 3,353 |
| Return on assets (ROA) | 0.8467% | 3,489 |
| Pretax return on assets | 1.0652% | 3,283 |
| Return on Equity (ROE) | 8.6265% | 2,898 |
| Retained earnings to average equity (ytd only) | 1.1269% | 4,345 |
| Net charge-offs to loans | 0.3543% | 564 |
| Credit loss provision to net charge-offs | 103.2505% | 2,402 |
| Earnings coverage of net charge-offs (x) | 5.4060% | 3,092 |
| Efficiency ratio | 63.8151% | 3,094 |
| Assets per employee ($millions) | 4.9022% | 2,704 |
| Cash dividends to net income (ytd only)* | 86.9365% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7164% | 4,543 |
| Loan loss allowance to noncurrent loans | 58.8910% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.1093% | 1,096 |
| Noncurrent loans to loans | 1.2165% | 1,231 |
| Net loans and leases to total assets | 71.6837% | 2,136 |
| Net loans and leases to deposits | 81.7067% | 2,590 |
| Net loans and leases to core deposits | 97.1526% | 1,802 |
| Total domestic deposits to total assets | 87.7329% | 1,255 |
| Equity capital to assets | 10.6338% | 3,324 |
| Core capital (leverage) ratio | 10.4102% | 3,059 |
| Tier 1 risk-based capital ratio | 11.9327% | 4,398 |
| Total risk-based capital ratio | 12.5770% | 4,604 |
| Memoranda: | ||
| Average total assets | $1,899,488,000 | 444 |
| Average earning assets | $1,811,885,600 | 425 |
| Average equity | $186,437,600 | 499 |
| Average total loans | $1,328,651,800 | 455 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 1,317 |
| Cost of funding earning assets | 1.6065% | 286 |
| Net interest margin | 3.4789% | 3,638 |
| Noninterest income to average assets | 0.4482% | 3,029 |
| Noninterest expense to average assets | 2.3885% | 3,720 |
| Loan and lease loss provision to assets | 0.2996% | 492 |
| Net operating income to assets | 0.8624% | 3,477 |
| Return on assets (ROA) | 0.8403% | 3,631 |
| Pretax return on assets | 1.0596% | 3,412 |
| Return on Equity (ROE) | 8.7704% | 2,976 |
| Retained earnings to average equity (ytd only) | 1.8822% | 4,313 |
| Net charge-offs to loans | 0.2807% | 624 |
| Credit loss provision to net charge-offs | 153.9718% | 1,598 |
| Earnings coverage of net charge-offs (x) | 7.1295% | 2,770 |
| Efficiency ratio | 62.7441% | 3,209 |
| Assets per employee ($millions) | 5.0728% | 2,474 |
| Cash dividends to net income (ytd only)* | 78.5389% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 3,840 |
| Loan loss allowance to noncurrent loans | 108.3932% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8137% | 1,700 |
| Noncurrent loans to loans | 0.8727% | 1,838 |
| Net loans and leases to total assets | 71.1151% | 2,306 |
| Net loans and leases to deposits | 79.5631% | 2,947 |
| Net loans and leases to core deposits | 99.0137% | 1,741 |
| Total domestic deposits to total assets | 89.3820% | 483 |
| Equity capital to assets | 10.0604% | 3,956 |
| Core capital (leverage) ratio | 9.6632% | 4,008 |
| Tier 1 risk-based capital ratio | 11.9112% | 4,457 |
| Total risk-based capital ratio | 12.7502% | 4,566 |
| Memoranda: | ||
| Average total assets | $1,846,150,500 | 457 |
| Average earning assets | $1,765,771,250 | 436 |
| Average equity | $176,878,000 | 528 |
| Average total loans | $1,279,442,250 | 475 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0881% | 1,245 |
| Cost of funding earning assets | 1.6042% | 263 |
| Net interest margin | 3.4839% | 3,646 |
| Noninterest income to average assets | 0.3319% | 3,720 |
| Noninterest expense to average assets | 2.3777% | 3,796 |
| Loan and lease loss provision to assets | 0.2601% | 582 |
| Net operating income to assets | 0.8153% | 3,602 |
| Return on assets (ROA) | 0.7799% | 3,787 |
| Pretax return on assets | 0.9829% | 3,604 |
| Return on Equity (ROE) | 8.2738% | 3,172 |
| Retained earnings to average equity (ytd only) | 2.1214% | 4,077 |
| Net charge-offs to loans | 0.3591% | 467 |
| Credit loss provision to net charge-offs | 105.7667% | 1,888 |
| Earnings coverage of net charge-offs (x) | 5.2359% | 2,682 |
| Efficiency ratio | 64.3381% | 3,080 |
| Assets per employee ($millions) | 5.3849% | 2,063 |
| Cash dividends to net income (ytd only)* | 74.3593% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,310 |
| Loan loss allowance to noncurrent loans | 101.8297% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 1,803 |
| Noncurrent loans to loans | 0.8236% | 1,942 |
| Net loans and leases to total assets | 69.0187% | 2,674 |
| Net loans and leases to deposits | 76.7357% | 3,268 |
| Net loans and leases to core deposits | 97.0433% | 1,973 |
| Total domestic deposits to total assets | 89.9434% | 351 |
| Equity capital to assets | 9.6369% | 4,282 |
| Core capital (leverage) ratio | 9.2120% | 4,446 |
| Tier 1 risk-based capital ratio | 11.8333% | 4,508 |
| Total risk-based capital ratio | 12.5799% | 4,668 |
| Memoranda: | ||
| Average total assets | $1,861,248,670 | 454 |
| Average earning assets | $1,780,931,330 | 436 |
| Average equity | $175,446,330 | 527 |
| Average total loans | $1,274,952,670 | 472 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9295% | 1,521 |
| Cost of funding earning assets | 1.5636% | 257 |
| Net interest margin | 3.3659% | 3,990 |
| Noninterest income to average assets | 0.3331% | 3,636 |
| Noninterest expense to average assets | 2.3387% | 3,928 |
| Loan and lease loss provision to assets | 0.1695% | 987 |
| Net operating income to assets | 0.8334% | 3,504 |
| Return on assets (ROA) | 0.7646% | 3,776 |
| Pretax return on assets | 0.9623% | 3,578 |
| Return on Equity (ROE) | 8.2040% | 3,165 |
| Retained earnings to average equity (ytd only) | 2.1579% | 4,023 |
| Net charge-offs to loans | 0.1781% | 773 |
| Credit loss provision to net charge-offs | 140.0356% | 1,294 |
| Earnings coverage of net charge-offs (x) | 10.0712% | 1,977 |
| Efficiency ratio | 65.1958% | 3,063 |
| Assets per employee ($millions) | 5.4664% | 2,015 |
| Cash dividends to net income (ytd only)* | 73.6975% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 4,357 |
| Loan loss allowance to noncurrent loans | 78.2099% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 1,772 |
| Noncurrent loans to loans | 1.0831% | 1,536 |
| Net loans and leases to total assets | 67.6905% | 2,803 |
| Net loans and leases to deposits | 74.9376% | 3,360 |
| Net loans and leases to core deposits | 97.4811% | 1,818 |
| Total domestic deposits to total assets | 90.3291% | 342 |
| Equity capital to assets | 9.2723% | 4,457 |
| Core capital (leverage) ratio | 9.2611% | 4,396 |
| Tier 1 risk-based capital ratio | 11.6874% | 4,632 |
| Total risk-based capital ratio | 12.4355% | 4,800 |
| Memoranda: | ||
| Average total assets | $1,857,600,500 | 460 |
| Average earning assets | $1,779,507,000 | 442 |
| Average equity | $173,135,000 | 529 |
| Average total loans | $1,262,152,500 | 476 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 1,920 |
| Cost of funding earning assets | 1.1751% | 371 |
| Net interest margin | 3.4976% | 3,712 |
| Noninterest income to average assets | 0.3969% | 3,460 |
| Noninterest expense to average assets | 2.4152% | 3,844 |
| Loan and lease loss provision to assets | 0.0774% | 2,581 |
| Net operating income to assets | 1.0042% | 2,992 |
| Return on assets (ROA) | 0.9206% | 3,352 |
| Pretax return on assets | 1.1493% | 3,099 |
| Return on Equity (ROE) | 9.6224% | 2,679 |
| Retained earnings to average equity (ytd only) | 2.5806% | 4,110 |
| Net charge-offs to loans | -0.0168% | 4,641 |
| Credit loss provision to net charge-offs | -687.3096% | 4,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6351% | 3,237 |
| Assets per employee ($millions) | 5.2395% | 2,214 |
| Cash dividends to net income (ytd only)* | 73.1810% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 4,251 |
| Loan loss allowance to noncurrent loans | 115.2021% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 2,307 |
| Noncurrent loans to loans | 0.7632% | 2,094 |
| Net loans and leases to total assets | 67.0115% | 3,000 |
| Net loans and leases to deposits | 74.1798% | 3,486 |
| Net loans and leases to core deposits | 101.8412% | 1,590 |
| Total domestic deposits to total assets | 90.3366% | 367 |
| Equity capital to assets | 9.3707% | 4,244 |
| Core capital (leverage) ratio | 9.7873% | 3,816 |
| Tier 1 risk-based capital ratio | 12.1970% | 4,298 |
| Total risk-based capital ratio | 12.9663% | 4,492 |
| Memoranda: | ||
| Average total assets | $1,749,778,000 | 470 |
| Average earning assets | $1,675,739,600 | 451 |
| Average equity | $167,400,800 | 526 |
| Average total loans | $1,175,935,600 | 494 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 1,903 |
| Cost of funding earning assets | 1.1169% | 367 |
| Net interest margin | 3.5122% | 3,652 |
| Noninterest income to average assets | 0.4119% | 3,413 |
| Noninterest expense to average assets | 2.4014% | 3,852 |
| Loan and lease loss provision to assets | 0.0437% | 3,118 |
| Net operating income to assets | 1.0635% | 2,812 |
| Return on assets (ROA) | 1.0080% | 3,063 |
| Pretax return on assets | 1.2597% | 2,776 |
| Return on Equity (ROE) | 10.4797% | 2,394 |
| Retained earnings to average equity (ytd only) | 2.8204% | 4,307 |
| Net charge-offs to loans | -0.0898% | 5,134 |
| Credit loss provision to net charge-offs | -72.4490% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7944% | 3,376 |
| Assets per employee ($millions) | 5.0494% | 2,410 |
| Cash dividends to net income (ytd only)* | 73.0872% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 4,307 |
| Loan loss allowance to noncurrent loans | 149.9858% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 2,805 |
| Noncurrent loans to loans | 0.5926% | 2,603 |
| Net loans and leases to total assets | 67.5056% | 3,010 |
| Net loans and leases to deposits | 76.0154% | 3,416 |
| Net loans and leases to core deposits | 104.3061% | 1,437 |
| Total domestic deposits to total assets | 88.8052% | 910 |
| Equity capital to assets | 9.4647% | 4,114 |
| Core capital (leverage) ratio | 9.8263% | 3,826 |
| Tier 1 risk-based capital ratio | 12.6073% | 4,153 |
| Total risk-based capital ratio | 13.3921% | 4,313 |
| Memoranda: | ||
| Average total assets | $1,734,003,000 | 471 |
| Average earning assets | $1,659,951,000 | 452 |
| Average equity | $166,781,000 | 518 |
| Average total loans | $1,163,516,500 | 493 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 1,982 |
| Cost of funding earning assets | 1.0523% | 364 |
| Net interest margin | 3.4829% | 3,695 |
| Noninterest income to average assets | 0.4178% | 3,372 |
| Noninterest expense to average assets | 2.3638% | 3,987 |
| Loan and lease loss provision to assets | 0.0227% | 3,465 |
| Net operating income to assets | 1.0853% | 2,642 |
| Return on assets (ROA) | 1.0666% | 2,727 |
| Pretax return on assets | 1.3418% | 2,356 |
| Return on Equity (ROE) | 11.0298% | 2,099 |
| Retained earnings to average equity (ytd only) | 3.0576% | 4,027 |
| Net charge-offs to loans | -0.2337% | 5,355 |
| Credit loss provision to net charge-offs | -14.5293% | 3,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1610% | 3,604 |
| Assets per employee ($millions) | 5.0086% | 2,406 |
| Cash dividends to net income (ytd only)* | 72.2788% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 4,264 |
| Loan loss allowance to noncurrent loans | 101.9886% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 2,188 |
| Noncurrent loans to loans | 0.8989% | 1,922 |
| Net loans and leases to total assets | 67.7557% | 2,902 |
| Net loans and leases to deposits | 75.7253% | 3,366 |
| Net loans and leases to core deposits | 99.4456% | 1,774 |
| Total domestic deposits to total assets | 89.4757% | 748 |
| Equity capital to assets | 9.6177% | 3,994 |
| Core capital (leverage) ratio | 9.7580% | 3,831 |
| Tier 1 risk-based capital ratio | 12.5507% | 4,150 |
| Total risk-based capital ratio | 13.3529% | 4,314 |
| Memoranda: | ||
| Average total assets | $1,729,643,000 | 472 |
| Average earning assets | $1,655,820,670 | 449 |
| Average equity | $167,255,670 | 513 |
| Average total loans | $1,154,703,330 | 495 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 2,183 |
| Cost of funding earning assets | 0.9983% | 369 |
| Net interest margin | 3.4053% | 3,873 |
| Noninterest income to average assets | 0.3881% | 3,548 |
| Noninterest expense to average assets | 2.3115% | 4,172 |
| Loan and lease loss provision to assets | 0.1394% | 1,351 |
| Net operating income to assets | 0.9524% | 3,067 |
| Return on assets (ROA) | 0.9542% | 3,074 |
| Pretax return on assets | 1.1992% | 2,751 |
| Return on Equity (ROE) | 9.8414% | 2,516 |
| Retained earnings to average equity (ytd only) | 2.4698% | 4,182 |
| Net charge-offs to loans | 0.0147% | 2,240 |
| Credit loss provision to net charge-offs | 1,440.4762% | 261 |
| Earnings coverage of net charge-offs (x) | 138.0476% | 466 |
| Efficiency ratio | 62.5071% | 3,703 |
| Assets per employee ($millions) | 5.0479% | 2,429 |
| Cash dividends to net income (ytd only)* | 74.9034% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 4,605 |
| Loan loss allowance to noncurrent loans | 89.3310% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 2,204 |
| Noncurrent loans to loans | 0.9620% | 1,896 |
| Net loans and leases to total assets | 65.4100% | 3,123 |
| Net loans and leases to deposits | 72.5636% | 3,548 |
| Net loans and leases to core deposits | 90.5786% | 2,410 |
| Total domestic deposits to total assets | 90.1416% | 605 |
| Equity capital to assets | 9.5983% | 3,999 |
| Core capital (leverage) ratio | 9.5986% | 3,960 |
| Tier 1 risk-based capital ratio | 12.5360% | 4,216 |
| Total risk-based capital ratio | 13.2714% | 4,425 |
| Memoranda: | ||
| Average total assets | $1,735,489,000 | 472 |
| Average earning assets | $1,661,280,000 | 451 |
| Average equity | $168,269,500 | 517 |
| Average total loans | $1,144,665,000 | 503 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 2,399 |
| Cost of funding earning assets | 0.8157% | 567 |
| Net interest margin | 3.4628% | 3,648 |
| Noninterest income to average assets | 0.4061% | 3,597 |
| Noninterest expense to average assets | 2.2368% | 4,462 |
| Loan and lease loss provision to assets | 0.2325% | 832 |
| Net operating income to assets | 0.7906% | 3,202 |
| Return on assets (ROA) | 0.8428% | 3,007 |
| Pretax return on assets | 1.3437% | 2,200 |
| Return on Equity (ROE) | 8.7210% | 2,440 |
| Retained earnings to average equity (ytd only) | 2.0340% | 4,100 |
| Net charge-offs to loans | 0.5363% | 438 |
| Credit loss provision to net charge-offs | 66.9235% | 3,132 |
| Earnings coverage of net charge-offs (x) | 4.3013% | 3,482 |
| Efficiency ratio | 59.2418% | 4,383 |
| Assets per employee ($millions) | 5.1616% | 2,303 |
| Cash dividends to net income (ytd only)* | 76.6765% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 4,820 |
| Loan loss allowance to noncurrent loans | 68.8998% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 1,855 |
| Noncurrent loans to loans | 1.1639% | 1,524 |
| Net loans and leases to total assets | 65.4071% | 3,169 |
| Net loans and leases to deposits | 73.4060% | 3,564 |
| Net loans and leases to core deposits | 91.0933% | 2,453 |
| Total domestic deposits to total assets | 89.1032% | 958 |
| Equity capital to assets | 9.7922% | 3,926 |
| Core capital (leverage) ratio | 9.8760% | 3,608 |
| Tier 1 risk-based capital ratio | 12.3505% | 4,294 |
| Total risk-based capital ratio | 13.0320% | 4,551 |
| Memoranda: | ||
| Average total assets | $1,643,656,400 | 477 |
| Average earning assets | $1,578,356,400 | 458 |
| Average equity | $158,846,200 | 523 |
| Average total loans | $1,064,905,200 | 506 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 2,478 |
| Cost of funding earning assets | 0.7840% | 632 |
| Net interest margin | 3.4551% | 3,658 |
| Noninterest income to average assets | 0.4014% | 3,675 |
| Noninterest expense to average assets | 2.1976% | 4,527 |
| Loan and lease loss provision to assets | 0.2524% | 685 |
| Net operating income to assets | 0.8327% | 3,374 |
| Return on assets (ROA) | 0.8831% | 3,161 |
| Pretax return on assets | 1.3497% | 2,286 |
| Return on Equity (ROE) | 9.1702% | 2,515 |
| Retained earnings to average equity (ytd only) | 2.5520% | 4,358 |
| Net charge-offs to loans | 0.4938% | 416 |
| Credit loss provision to net charge-offs | 79.2755% | 2,597 |
| Earnings coverage of net charge-offs (x) | 4.7881% | 3,180 |
| Efficiency ratio | 58.3861% | 4,453 |
| Assets per employee ($millions) | 4.9923% | 2,455 |
| Cash dividends to net income (ytd only)* | 72.1709% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 4,447 |
| Loan loss allowance to noncurrent loans | 96.3022% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 2,376 |
| Noncurrent loans to loans | 0.9610% | 2,002 |
| Net loans and leases to total assets | 65.4315% | 3,185 |
| Net loans and leases to deposits | 73.4517% | 3,627 |
| Net loans and leases to core deposits | 92.0489% | 2,439 |
| Total domestic deposits to total assets | 89.0809% | 842 |
| Equity capital to assets | 10.1014% | 3,803 |
| Core capital (leverage) ratio | 9.7116% | 3,923 |
| Tier 1 risk-based capital ratio | 12.4710% | 4,337 |
| Total risk-based capital ratio | 13.2562% | 4,501 |
| Memoranda: | ||
| Average total assets | $1,618,418,750 | 488 |
| Average earning assets | $1,555,549,500 | 467 |
| Average equity | $155,848,750 | 533 |
| Average total loans | $1,043,551,000 | 517 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 2,728 |
| Cost of funding earning assets | 0.7254% | 781 |
| Net interest margin | 3.4065% | 3,750 |
| Noninterest income to average assets | 0.3614% | 3,972 |
| Noninterest expense to average assets | 2.1015% | 4,769 |
| Loan and lease loss provision to assets | 0.2523% | 660 |
| Net operating income to assets | 0.8447% | 3,183 |
| Return on assets (ROA) | 0.9164% | 2,879 |
| Pretax return on assets | 1.3996% | 2,022 |
| Return on Equity (ROE) | 9.6833% | 2,177 |
| Retained earnings to average equity (ytd only) | 2.8268% | 4,026 |
| Net charge-offs to loans | 0.3039% | 667 |
| Credit loss provision to net charge-offs | 129.8710% | 1,686 |
| Earnings coverage of net charge-offs (x) | 7.9348% | 2,560 |
| Efficiency ratio | 57.1311% | 4,690 |
| Assets per employee ($millions) | 5.1644% | 2,195 |
| Cash dividends to net income (ytd only)* | 70.8071% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,923 |
| Loan loss allowance to noncurrent loans | 56.2121% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.2403% | 1,360 |
| Noncurrent loans to loans | 1.8449% | 957 |
| Net loans and leases to total assets | 64.2451% | 3,352 |
| Net loans and leases to deposits | 71.4587% | 3,788 |
| Net loans and leases to core deposits | 86.3874% | 2,843 |
| Total domestic deposits to total assets | 89.9052% | 565 |
| Equity capital to assets | 9.8204% | 4,108 |
| Core capital (leverage) ratio | 10.3467% | 3,076 |
| Tier 1 risk-based capital ratio | 12.1837% | 4,503 |
| Total risk-based capital ratio | 13.0499% | 4,651 |
| Memoranda: | ||
| Average total assets | $1,595,424,330 | 499 |
| Average earning assets | $1,537,050,330 | 472 |
| Average equity | $150,981,330 | 546 |
| Average total loans | $1,019,933,000 | 533 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 2,231 |
| Cost of funding earning assets | 0.6938% | 864 |
| Net interest margin | 3.5209% | 3,196 |
| Noninterest income to average assets | 0.3509% | 4,034 |
| Noninterest expense to average assets | 2.1429% | 4,765 |
| Loan and lease loss provision to assets | 0.1855% | 915 |
| Net operating income to assets | 0.9352% | 2,584 |
| Return on assets (ROA) | 1.0172% | 2,288 |
| Pretax return on assets | 1.5507% | 1,376 |
| Return on Equity (ROE) | 10.9809% | 1,576 |
| Retained earnings to average equity (ytd only) | 2.9656% | 3,928 |
| Net charge-offs to loans | 0.0733% | 1,598 |
| Credit loss provision to net charge-offs | 399.4382% | 655 |
| Earnings coverage of net charge-offs (x) | 34.7135% | 1,131 |
| Efficiency ratio | 56.5136% | 4,887 |
| Assets per employee ($millions) | 5.4286% | 1,955 |
| Cash dividends to net income (ytd only)* | 72.9931% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,299 |
| Loan loss allowance to noncurrent loans | 55.3854% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.3556% | 1,245 |
| Noncurrent loans to loans | 2.1147% | 824 |
| Net loans and leases to total assets | 62.6431% | 3,446 |
| Net loans and leases to deposits | 69.2551% | 3,873 |
| Net loans and leases to core deposits | 84.9336% | 2,818 |
| Total domestic deposits to total assets | 90.4527% | 492 |
| Equity capital to assets | 9.1031% | 4,709 |
| Core capital (leverage) ratio | 9.1122% | 4,603 |
| Tier 1 risk-based capital ratio | 11.8279% | 4,831 |
| Total risk-based capital ratio | 12.7874% | 4,911 |
| Memoranda: | ||
| Average total assets | $1,533,257,000 | 515 |
| Average earning assets | $1,482,340,500 | 486 |
| Average equity | $142,028,500 | 567 |
| Average total loans | $971,680,000 | 561 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 2,716 |
| Cost of funding earning assets | 0.6135% | 1,249 |
| Net interest margin | 3.5209% | 3,354 |
| Noninterest income to average assets | 0.3588% | 4,171 |
| Noninterest expense to average assets | 2.1526% | 4,886 |
| Loan and lease loss provision to assets | 0.2533% | 825 |
| Net operating income to assets | 0.9005% | 2,820 |
| Return on assets (ROA) | 1.0719% | 2,132 |
| Pretax return on assets | 1.6195% | 1,219 |
| Return on Equity (ROE) | 10.8896% | 1,621 |
| Retained earnings to average equity (ytd only) | 2.6538% | 4,012 |
| Net charge-offs to loans | 0.2253% | 1,236 |
| Credit loss provision to net charge-offs | 184.6959% | 1,520 |
| Earnings coverage of net charge-offs (x) | 11.7622% | 2,511 |
| Efficiency ratio | 56.5837% | 5,005 |
| Assets per employee ($millions) | 5.1114% | 2,275 |
| Cash dividends to net income (ytd only)* | 75.6298% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,300 |
| Loan loss allowance to noncurrent loans | 50.8580% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.4831% | 1,133 |
| Noncurrent loans to loans | 2.3029% | 721 |
| Net loans and leases to total assets | 62.6190% | 3,525 |
| Net loans and leases to deposits | 69.8673% | 3,917 |
| Net loans and leases to core deposits | 86.8071% | 2,783 |
| Total domestic deposits to total assets | 89.6257% | 810 |
| Equity capital to assets | 9.4309% | 4,348 |
| Core capital (leverage) ratio | 9.8771% | 3,657 |
| Tier 1 risk-based capital ratio | 12.0183% | 4,718 |
| Total risk-based capital ratio | 12.9546% | 4,826 |
| Memoranda: | ||
| Average total assets | $1,462,761,000 | 517 |
| Average earning assets | $1,415,362,600 | 492 |
| Average equity | $143,982,000 | 548 |
| Average total loans | $890,506,400 | 569 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 2,679 |
| Cost of funding earning assets | 0.6167% | 1,229 |
| Net interest margin | 3.5343% | 3,345 |
| Noninterest income to average assets | 0.3655% | 4,163 |
| Noninterest expense to average assets | 2.1699% | 4,849 |
| Loan and lease loss provision to assets | 0.2731% | 649 |
| Net operating income to assets | 0.8873% | 2,968 |
| Return on assets (ROA) | 1.1147% | 2,043 |
| Pretax return on assets | 1.6880% | 1,145 |
| Return on Equity (ROE) | 11.2034% | 1,593 |
| Retained earnings to average equity (ytd only) | 2.7096% | 4,271 |
| Net charge-offs to loans | 0.3259% | 709 |
| Credit loss provision to net charge-offs | 139.0939% | 1,876 |
| Earnings coverage of net charge-offs (x) | 8.2349% | 2,794 |
| Efficiency ratio | 56.7236% | 4,992 |
| Assets per employee ($millions) | 4.9562% | 2,409 |
| Cash dividends to net income (ytd only)* | 75.8144% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,696 |
| Loan loss allowance to noncurrent loans | 47.0726% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.5694% | 1,119 |
| Noncurrent loans to loans | 2.3911% | 756 |
| Net loans and leases to total assets | 62.6522% | 3,557 |
| Net loans and leases to deposits | 70.6991% | 3,916 |
| Net loans and leases to core deposits | 90.1072% | 2,566 |
| Total domestic deposits to total assets | 88.6182% | 1,098 |
| Equity capital to assets | 10.2348% | 3,874 |
| Core capital (leverage) ratio | 9.8557% | 3,745 |
| Tier 1 risk-based capital ratio | 12.7613% | 4,301 |
| Total risk-based capital ratio | 13.6843% | 4,414 |
| Memoranda: | ||
| Average total assets | $1,454,041,500 | 521 |
| Average earning assets | $1,407,473,500 | 495 |
| Average equity | $144,667,250 | 552 |
| Average total loans | $875,902,750 | 573 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 2,753 |
| Cost of funding earning assets | 0.6154% | 1,221 |
| Net interest margin | 3.5129% | 3,441 |
| Noninterest income to average assets | 0.3728% | 4,079 |
| Noninterest expense to average assets | 2.1492% | 4,954 |
| Loan and lease loss provision to assets | 0.2379% | 832 |
| Net operating income to assets | 0.9187% | 2,776 |
| Return on assets (ROA) | 1.1525% | 1,886 |
| Pretax return on assets | 1.7409% | 998 |
| Return on Equity (ROE) | 11.6937% | 1,419 |
| Retained earnings to average equity (ytd only) | 2.7847% | 4,126 |
| Net charge-offs to loans | 0.2994% | 796 |
| Credit loss provision to net charge-offs | 134.1577% | 1,738 |
| Earnings coverage of net charge-offs (x) | 9.1623% | 2,441 |
| Efficiency ratio | 56.3705% | 5,108 |
| Assets per employee ($millions) | 5.1468% | 2,147 |
| Cash dividends to net income (ytd only)* | 76.1859% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,949 |
| Loan loss allowance to noncurrent loans | 41.3551% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.7137% | 1,040 |
| Noncurrent loans to loans | 2.6587% | 627 |
| Net loans and leases to total assets | 60.8736% | 3,765 |
| Net loans and leases to deposits | 68.4332% | 4,141 |
| Net loans and leases to core deposits | 87.9339% | 2,734 |
| Total domestic deposits to total assets | 88.9533% | 938 |
| Equity capital to assets | 10.0645% | 4,145 |
| Core capital (leverage) ratio | 9.6606% | 3,983 |
| Tier 1 risk-based capital ratio | 12.6748% | 4,401 |
| Total risk-based capital ratio | 13.5625% | 4,560 |
| Memoranda: | ||
| Average total assets | $1,459,625,330 | 521 |
| Average earning assets | $1,413,074,330 | 488 |
| Average equity | $143,855,000 | 554 |
| Average total loans | $864,288,670 | 577 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 2,931 |
| Cost of funding earning assets | 0.6212% | 1,209 |
| Net interest margin | 3.4583% | 3,628 |
| Noninterest income to average assets | 0.3844% | 3,951 |
| Noninterest expense to average assets | 2.1317% | 5,049 |
| Loan and lease loss provision to assets | 0.2308% | 797 |
| Net operating income to assets | 0.9102% | 2,701 |
| Return on assets (ROA) | 0.9751% | 2,505 |
| Pretax return on assets | 1.4657% | 1,697 |
| Return on Equity (ROE) | 9.9996% | 1,981 |
| Retained earnings to average equity (ytd only) | 2.2150% | 4,373 |
| Net charge-offs to loans | 0.3976% | 565 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 6.9312% | 2,193 |
| Efficiency ratio | 56.5444% | 5,145 |
| Assets per employee ($millions) | 5.0374% | 2,301 |
| Cash dividends to net income (ytd only)* | 77.8495% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 4,036 |
| Loan loss allowance to noncurrent loans | 38.2149% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.7644% | 1,063 |
| Noncurrent loans to loans | 2.8823% | 586 |
| Net loans and leases to total assets | 57.6692% | 4,078 |
| Net loans and leases to deposits | 64.2190% | 4,429 |
| Net loans and leases to core deposits | 83.4988% | 2,982 |
| Total domestic deposits to total assets | 89.8009% | 677 |
| Equity capital to assets | 9.8544% | 4,267 |
| Core capital (leverage) ratio | 9.4822% | 4,228 |
| Tier 1 risk-based capital ratio | 12.7964% | 4,399 |
| Total risk-based capital ratio | 13.6602% | 4,545 |
| Memoranda: | ||
| Average total assets | $1,461,166,500 | 517 |
| Average earning assets | $1,414,087,000 | 489 |
| Average equity | $142,485,500 | 556 |
| Average total loans | $848,179,500 | 587 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 3,765 |
| Cost of funding earning assets | 0.5855% | 1,466 |
| Net interest margin | 3.2977% | 4,299 |
| Noninterest income to average assets | 0.3523% | 4,385 |
| Noninterest expense to average assets | 1.9965% | 5,460 |
| Loan and lease loss provision to assets | 0.2594% | 726 |
| Net operating income to assets | 0.8731% | 3,007 |
| Return on assets (ROA) | 0.8947% | 2,982 |
| Pretax return on assets | 1.3215% | 2,197 |
| Return on Equity (ROE) | 9.4931% | 2,221 |
| Retained earnings to average equity (ytd only) | 2.4817% | 4,305 |
| Net charge-offs to loans | 0.4337% | 640 |
| Credit loss provision to net charge-offs | 108.7226% | 2,320 |
| Earnings coverage of net charge-offs (x) | 6.4927% | 3,214 |
| Efficiency ratio | 55.7030% | 5,372 |
| Assets per employee ($millions) | 5.2580% | 2,050 |
| Cash dividends to net income (ytd only)* | 73.8576% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,941 |
| Loan loss allowance to noncurrent loans | 46.0414% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 1,338 |
| Noncurrent loans to loans | 2.4298% | 775 |
| Net loans and leases to total assets | 57.1366% | 4,180 |
| Net loans and leases to deposits | 63.3921% | 4,518 |
| Net loans and leases to core deposits | 83.0421% | 3,046 |
| Total domestic deposits to total assets | 90.1321% | 578 |
| Equity capital to assets | 9.6480% | 4,376 |
| Core capital (leverage) ratio | 9.7368% | 3,854 |
| Tier 1 risk-based capital ratio | 12.9765% | 4,336 |
| Total risk-based capital ratio | 13.8561% | 4,463 |
| Memoranda: | ||
| Average total assets | $1,489,568,400 | 478 |
| Average earning assets | $1,442,414,800 | 447 |
| Average equity | $140,386,800 | 539 |
| Average total loans | $819,420,600 | 575 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 3,939 |
| Cost of funding earning assets | 0.5927% | 1,453 |
| Net interest margin | 3.2571% | 4,496 |
| Noninterest income to average assets | 0.3650% | 4,320 |
| Noninterest expense to average assets | 2.0016% | 5,474 |
| Loan and lease loss provision to assets | 0.2562% | 663 |
| Net operating income to assets | 0.8415% | 3,211 |
| Return on assets (ROA) | 0.8725% | 3,161 |
| Pretax return on assets | 1.3086% | 2,360 |
| Return on Equity (ROE) | 9.3115% | 2,412 |
| Retained earnings to average equity (ytd only) | 2.4091% | 4,671 |
| Net charge-offs to loans | 0.3555% | 742 |
| Credit loss provision to net charge-offs | 132.6267% | 1,848 |
| Earnings coverage of net charge-offs (x) | 7.8613% | 2,872 |
| Efficiency ratio | 56.2549% | 5,321 |
| Assets per employee ($millions) | 5.1830% | 2,081 |
| Cash dividends to net income (ytd only)* | 74.1277% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 3,960 |
| Loan loss allowance to noncurrent loans | 47.6869% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 1.6078% | 1,384 |
| Noncurrent loans to loans | 2.4019% | 860 |
| Net loans and leases to total assets | 59.4199% | 3,945 |
| Net loans and leases to deposits | 66.2446% | 4,364 |
| Net loans and leases to core deposits | 89.1693% | 2,538 |
| Total domestic deposits to total assets | 89.6977% | 694 |
| Equity capital to assets | 9.9369% | 4,244 |
| Core capital (leverage) ratio | 9.5068% | 4,294 |
| Tier 1 risk-based capital ratio | 12.7307% | 4,594 |
| Total risk-based capital ratio | 13.6365% | 4,740 |
| Memoranda: | ||
| Average total assets | $1,497,847,000 | 479 |
| Average earning assets | $1,450,920,750 | 449 |
| Average equity | $140,354,000 | 539 |
| Average total loans | $813,880,000 | 577 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,071 |
| Cost of funding earning assets | 0.5911% | 1,481 |
| Net interest margin | 3.2075% | 4,637 |
| Noninterest income to average assets | 0.3554% | 4,415 |
| Noninterest expense to average assets | 1.9788% | 5,561 |
| Loan and lease loss provision to assets | 0.1327% | 1,652 |
| Net operating income to assets | 0.9010% | 2,873 |
| Return on assets (ROA) | 0.9420% | 2,799 |
| Pretax return on assets | 1.4169% | 1,904 |
| Return on Equity (ROE) | 10.2467% | 1,961 |
| Retained earnings to average equity (ytd only) | 2.7857% | 4,273 |
| Net charge-offs to loans | 0.1526% | 1,570 |
| Credit loss provision to net charge-offs | 165.5738% | 1,437 |
| Earnings coverage of net charge-offs (x) | 18.5574% | 1,802 |
| Efficiency ratio | 56.4805% | 5,381 |
| Assets per employee ($millions) | 5.4375% | 1,804 |
| Cash dividends to net income (ytd only)* | 72.8135% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 3,954 |
| Loan loss allowance to noncurrent loans | 67.4592% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1003% | 2,308 |
| Noncurrent loans to loans | 1.7387% | 1,478 |
| Net loans and leases to total assets | 53.1717% | 4,639 |
| Net loans and leases to deposits | 59.3295% | 4,906 |
| Net loans and leases to core deposits | 79.2289% | 3,469 |
| Total domestic deposits to total assets | 89.6209% | 830 |
| Equity capital to assets | 9.2848% | 4,912 |
| Core capital (leverage) ratio | 9.0505% | 4,891 |
| Tier 1 risk-based capital ratio | 12.6440% | 4,715 |
| Total risk-based capital ratio | 13.5193% | 4,857 |
| Memoranda: | ||
| Average total assets | $1,522,024,000 | 472 |
| Average earning assets | $1,476,171,000 | 446 |
| Average equity | $139,928,000 | 543 |
| Average total loans | $799,595,330 | 587 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 4,088 |
| Cost of funding earning assets | 0.5949% | 1,469 |
| Net interest margin | 3.1853% | 4,662 |
| Noninterest income to average assets | 0.3501% | 4,396 |
| Noninterest expense to average assets | 2.0137% | 5,554 |
| Loan and lease loss provision to assets | 0.1595% | 1,272 |
| Net operating income to assets | 0.8422% | 3,052 |
| Return on assets (ROA) | 0.8968% | 2,883 |
| Pretax return on assets | 1.3504% | 2,070 |
| Return on Equity (ROE) | 9.8022% | 2,094 |
| Retained earnings to average equity (ytd only) | 2.9007% | 4,226 |
| Net charge-offs to loans | 0.1516% | 1,347 |
| Credit loss provision to net charge-offs | 202.6578% | 1,035 |
| Earnings coverage of net charge-offs (x) | 18.1362% | 1,498 |
| Efficiency ratio | 57.9135% | 5,347 |
| Assets per employee ($millions) | 5.5971% | 1,713 |
| Cash dividends to net income (ytd only)* | 70.4082% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 4,080 |
| Loan loss allowance to noncurrent loans | 60.2496% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 2,303 |
| Noncurrent loans to loans | 1.9602% | 1,348 |
| Net loans and leases to total assets | 50.9898% | 4,744 |
| Net loans and leases to deposits | 56.3915% | 5,023 |
| Net loans and leases to core deposits | 75.2916% | 3,662 |
| Total domestic deposits to total assets | 90.4210% | 558 |
| Equity capital to assets | 9.1767% | 5,117 |
| Core capital (leverage) ratio | 8.9112% | 5,062 |
| Tier 1 risk-based capital ratio | 12.9475% | 4,631 |
| Total risk-based capital ratio | 13.8415% | 4,762 |
| Memoranda: | ||
| Average total assets | $1,529,936,500 | 469 |
| Average earning assets | $1,484,555,000 | 445 |
| Average equity | $139,968,500 | 541 |
| Average total loans | $794,205,000 | 584 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,593 |
| Cost of funding earning assets | 0.6403% | 1,472 |
| Net interest margin | 3.1262% | 5,143 |
| Noninterest income to average assets | 0.3403% | 4,670 |
| Noninterest expense to average assets | 2.0692% | 5,637 |
| Loan and lease loss provision to assets | 0.1338% | 1,956 |
| Net operating income to assets | 0.7755% | 3,494 |
| Return on assets (ROA) | 0.7889% | 3,525 |
| Pretax return on assets | 1.1791% | 2,737 |
| Return on Equity (ROE) | 8.7327% | 2,715 |
| Retained earnings to average equity (ytd only) | 3.8655% | 3,469 |
| Net charge-offs to loans | 0.4360% | 970 |
| Credit loss provision to net charge-offs | 61.0834% | 3,267 |
| Earnings coverage of net charge-offs (x) | 5.9019% | 3,324 |
| Efficiency ratio | 60.8986% | 5,090 |
| Assets per employee ($millions) | 5.5907% | 1,694 |
| Cash dividends to net income (ytd only)* | 55.7352% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 4,281 |
| Loan loss allowance to noncurrent loans | 71.1606% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9895% | 2,777 |
| Noncurrent loans to loans | 1.6169% | 1,810 |
| Net loans and leases to total assets | 51.6279% | 4,819 |
| Net loans and leases to deposits | 56.9884% | 5,125 |
| Net loans and leases to core deposits | 75.3350% | 3,783 |
| Total domestic deposits to total assets | 90.5938% | 500 |
| Equity capital to assets | 9.1201% | 5,163 |
| Core capital (leverage) ratio | 9.2593% | 4,589 |
| Tier 1 risk-based capital ratio | 13.0773% | 4,675 |
| Total risk-based capital ratio | 13.9639% | 4,820 |
| Memoranda: | ||
| Average total assets | $1,466,382,800 | 478 |
| Average earning assets | $1,417,363,400 | 446 |
| Average equity | $132,479,000 | 550 |
| Average total loans | $736,766,200 | 589 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 4,785 |
| Cost of funding earning assets | 0.6537% | 1,437 |
| Net interest margin | 3.0730% | 5,327 |
| Noninterest income to average assets | 0.3640% | 4,518 |
| Noninterest expense to average assets | 2.0607% | 5,659 |
| Loan and lease loss provision to assets | 0.0966% | 2,433 |
| Net operating income to assets | 0.7806% | 3,509 |
| Return on assets (ROA) | 0.7988% | 3,531 |
| Pretax return on assets | 1.2020% | 2,772 |
| Return on Equity (ROE) | 8.8632% | 2,756 |
| Retained earnings to average equity (ytd only) | 4.4499% | 3,485 |
| Net charge-offs to loans | 0.5128% | 750 |
| Credit loss provision to net charge-offs | 37.9000% | 3,321 |
| Earnings coverage of net charge-offs (x) | 4.9853% | 3,341 |
| Efficiency ratio | 61.1888% | 5,007 |
| Assets per employee ($millions) | 5.4580% | 1,760 |
| Cash dividends to net income (ytd only)* | 49.7934% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 4,437 |
| Loan loss allowance to noncurrent loans | 57.7936% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.1478% | 2,654 |
| Noncurrent loans to loans | 2.0091% | 1,579 |
| Net loans and leases to total assets | 49.8372% | 5,029 |
| Net loans and leases to deposits | 55.5943% | 5,272 |
| Net loans and leases to core deposits | 73.5857% | 3,986 |
| Total domestic deposits to total assets | 89.6445% | 911 |
| Equity capital to assets | 9.2250% | 5,121 |
| Core capital (leverage) ratio | 9.1228% | 4,891 |
| Tier 1 risk-based capital ratio | 13.4429% | 4,582 |
| Total risk-based capital ratio | 14.3118% | 4,757 |
| Memoranda: | ||
| Average total assets | $1,454,210,500 | 477 |
| Average earning assets | $1,404,441,000 | 445 |
| Average equity | $131,054,750 | 555 |
| Average total loans | $723,131,500 | 599 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,734 |
| Cost of funding earning assets | 0.6624% | 1,419 |
| Net interest margin | 3.0774% | 5,326 |
| Noninterest income to average assets | 0.3557% | 4,576 |
| Noninterest expense to average assets | 2.0855% | 5,653 |
| Loan and lease loss provision to assets | 0.0908% | 2,510 |
| Net operating income to assets | 0.7609% | 3,511 |
| Return on assets (ROA) | 0.7800% | 3,529 |
| Pretax return on assets | 1.1788% | 2,768 |
| Return on Equity (ROE) | 8.7248% | 2,721 |
| Retained earnings to average equity (ytd only) | 4.3825% | 3,391 |
| Net charge-offs to loans | 0.7246% | 527 |
| Credit loss provision to net charge-offs | 25.3082% | 3,114 |
| Earnings coverage of net charge-offs (x) | 3.4596% | 3,299 |
| Efficiency ratio | 62.0343% | 5,001 |
| Assets per employee ($millions) | 5.2433% | 1,925 |
| Cash dividends to net income (ytd only)* | 49.7697% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 4,697 |
| Loan loss allowance to noncurrent loans | 57.7121% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 2,966 |
| Noncurrent loans to loans | 1.9803% | 1,704 |
| Net loans and leases to total assets | 49.5797% | 5,006 |
| Net loans and leases to deposits | 54.7796% | 5,300 |
| Net loans and leases to core deposits | 72.2568% | 4,023 |
| Total domestic deposits to total assets | 90.5075% | 586 |
| Equity capital to assets | 9.2017% | 5,101 |
| Core capital (leverage) ratio | 9.1411% | 4,826 |
| Tier 1 risk-based capital ratio | 13.5062% | 4,574 |
| Total risk-based capital ratio | 14.3680% | 4,769 |
| Memoranda: | ||
| Average total assets | $1,447,725,670 | 477 |
| Average earning assets | $1,397,428,000 | 447 |
| Average equity | $129,424,330 | 560 |
| Average total loans | $716,488,330 | 605 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 4,813 |
| Cost of funding earning assets | 0.6731% | 1,418 |
| Net interest margin | 3.0370% | 5,421 |
| Noninterest income to average assets | 0.4063% | 4,131 |
| Noninterest expense to average assets | 2.0766% | 5,722 |
| Loan and lease loss provision to assets | 0.0835% | 2,506 |
| Net operating income to assets | 0.7713% | 3,301 |
| Return on assets (ROA) | 0.7994% | 3,236 |
| Pretax return on assets | 1.2151% | 2,420 |
| Return on Equity (ROE) | 9.0781% | 2,423 |
| Retained earnings to average equity (ytd only) | 4.5754% | 3,376 |
| Net charge-offs to loans | 0.5876% | 630 |
| Credit loss provision to net charge-offs | 28.9017% | 2,405 |
| Earnings coverage of net charge-offs (x) | 4.3487% | 2,539 |
| Efficiency ratio | 61.6431% | 5,184 |
| Assets per employee ($millions) | 5.1438% | 2,079 |
| Cash dividends to net income (ytd only)* | 49.5997% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 3,827 |
| Loan loss allowance to noncurrent loans | 73.2110% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 3,049 |
| Noncurrent loans to loans | 1.8504% | 2,066 |
| Net loans and leases to total assets | 48.6225% | 5,043 |
| Net loans and leases to deposits | 53.9721% | 5,292 |
| Net loans and leases to core deposits | 69.2625% | 4,174 |
| Total domestic deposits to total assets | 90.0881% | 1,022 |
| Equity capital to assets | 8.9915% | 5,126 |
| Core capital (leverage) ratio | 8.9870% | 5,031 |
| Tier 1 risk-based capital ratio | 13.9051% | 4,391 |
| Total risk-based capital ratio | 14.9305% | 4,507 |
| Memoranda: | ||
| Average total assets | $1,437,532,500 | 477 |
| Average earning assets | $1,385,199,000 | 452 |
| Average equity | $126,591,000 | 570 |
| Average total loans | $706,582,500 | 610 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7263% | 5,046 |
| Cost of funding earning assets | 0.8096% | 1,164 |
| Net interest margin | 2.9167% | 5,756 |
| Noninterest income to average assets | 0.4084% | 4,386 |
| Noninterest expense to average assets | 2.1393% | 5,747 |
| Loan and lease loss provision to assets | 0.1783% | 2,073 |
| Net operating income to assets | 0.5984% | 4,265 |
| Return on assets (ROA) | 0.6717% | 4,029 |
| Pretax return on assets | 1.0105% | 3,308 |
| Return on Equity (ROE) | 7.3787% | 3,365 |
| Retained earnings to average equity (ytd only) | 3.7504% | 3,550 |
| Net charge-offs to loans | 0.3728% | 1,809 |
| Credit loss provision to net charge-offs | 100.5185% | 2,404 |
| Earnings coverage of net charge-offs (x) | 6.0762% | 3,135 |
| Efficiency ratio | 65.7965% | 4,593 |
| Assets per employee ($millions) | 5.1611% | 1,997 |
| Cash dividends to net income (ytd only)* | 49.1732% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 3,324 |
| Loan loss allowance to noncurrent loans | 69.5013% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.2724% | 2,870 |
| Noncurrent loans to loans | 2.1186% | 1,863 |
| Net loans and leases to total assets | 48.2925% | 5,265 |
| Net loans and leases to deposits | 53.1557% | 5,538 |
| Net loans and leases to core deposits | 67.9150% | 4,525 |
| Total domestic deposits to total assets | 90.8510% | 637 |
| Equity capital to assets | 8.6201% | 5,462 |
| Core capital (leverage) ratio | 9.1670% | 4,762 |
| Tier 1 risk-based capital ratio | 13.6628% | 4,540 |
| Total risk-based capital ratio | 14.7606% | 4,591 |
| Memoranda: | ||
| Average total assets | $1,413,517,000 | 476 |
| Average earning assets | $1,361,102,400 | 452 |
| Average equity | $128,680,400 | 552 |
| Average total loans | $672,466,600 | 623 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 5,153 |
| Cost of funding earning assets | 0.8329% | 1,138 |
| Net interest margin | 2.8726% | 5,872 |
| Noninterest income to average assets | 0.4199% | 4,368 |
| Noninterest expense to average assets | 2.1709% | 5,678 |
| Loan and lease loss provision to assets | 0.1904% | 1,926 |
| Net operating income to assets | 0.5425% | 4,611 |
| Return on assets (ROA) | 0.6398% | 4,293 |
| Pretax return on assets | 0.9727% | 3,607 |
| Return on Equity (ROE) | 6.9338% | 3,693 |
| Retained earnings to average equity (ytd only) | 3.4920% | 4,206 |
| Net charge-offs to loans | 0.4426% | 1,452 |
| Credit loss provision to net charge-offs | 91.1192% | 2,610 |
| Earnings coverage of net charge-offs (x) | 4.8609% | 3,339 |
| Efficiency ratio | 67.4124% | 4,203 |
| Assets per employee ($millions) | 4.9753% | 2,198 |
| Cash dividends to net income (ytd only)* | 49.6374% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 3,587 |
| Loan loss allowance to noncurrent loans | 69.5742% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2841% | 3,076 |
| Noncurrent loans to loans | 2.1138% | 2,114 |
| Net loans and leases to total assets | 47.7698% | 5,375 |
| Net loans and leases to deposits | 54.3301% | 5,505 |
| Net loans and leases to core deposits | 70.0563% | 4,319 |
| Total domestic deposits to total assets | 87.9252% | 2,178 |
| Equity capital to assets | 8.8182% | 5,399 |
| Core capital (leverage) ratio | 9.0680% | 5,014 |
| Tier 1 risk-based capital ratio | 13.7960% | 4,571 |
| Total risk-based capital ratio | 14.8949% | 4,617 |
| Memoranda: | ||
| Average total assets | $1,408,197,000 | 483 |
| Average earning assets | $1,356,307,750 | 453 |
| Average equity | $129,930,250 | 551 |
| Average total loans | $664,769,750 | 632 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 5,189 |
| Cost of funding earning assets | 0.8447% | 1,171 |
| Net interest margin | 2.8402% | 5,924 |
| Noninterest income to average assets | 0.4155% | 4,410 |
| Noninterest expense to average assets | 2.1656% | 5,712 |
| Loan and lease loss provision to assets | 0.2429% | 1,534 |
| Net operating income to assets | 0.4855% | 4,862 |
| Return on assets (ROA) | 0.6285% | 4,319 |
| Pretax return on assets | 0.9647% | 3,661 |
| Return on Equity (ROE) | 6.7116% | 3,766 |
| Retained earnings to average equity (ytd only) | 3.3877% | 4,164 |
| Net charge-offs to loans | 0.5695% | 1,157 |
| Credit loss provision to net charge-offs | 91.1717% | 2,411 |
| Earnings coverage of net charge-offs (x) | 3.7073% | 3,327 |
| Efficiency ratio | 67.9579% | 4,190 |
| Assets per employee ($millions) | 4.9509% | 2,166 |
| Cash dividends to net income (ytd only)* | 49.5238% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 3,656 |
| Loan loss allowance to noncurrent loans | 54.0869% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.6154% | 2,692 |
| Noncurrent loans to loans | 2.7434% | 1,661 |
| Net loans and leases to total assets | 47.5526% | 5,368 |
| Net loans and leases to deposits | 53.4753% | 5,559 |
| Net loans and leases to core deposits | 68.4086% | 4,456 |
| Total domestic deposits to total assets | 88.9245% | 1,673 |
| Equity capital to assets | 8.7578% | 5,484 |
| Core capital (leverage) ratio | 9.1248% | 4,792 |
| Tier 1 risk-based capital ratio | 13.6046% | 4,707 |
| Total risk-based capital ratio | 14.7025% | 4,762 |
| Memoranda: | ||
| Average total assets | $1,403,284,000 | 479 |
| Average earning assets | $1,352,632,330 | 454 |
| Average equity | $131,414,670 | 553 |
| Average total loans | $656,399,670 | 640 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7173% | 5,104 |
| Cost of funding earning assets | 0.8595% | 1,207 |
| Net interest margin | 2.8578% | 5,894 |
| Noninterest income to average assets | 0.4096% | 4,395 |
| Noninterest expense to average assets | 2.1657% | 5,768 |
| Loan and lease loss provision to assets | 0.2593% | 1,375 |
| Net operating income to assets | 0.4830% | 4,762 |
| Return on assets (ROA) | 0.6279% | 4,242 |
| Pretax return on assets | 0.9638% | 3,511 |
| Return on Equity (ROE) | 6.4906% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.2735% | 4,288 |
| Net charge-offs to loans | 1.1464% | 515 |
| Credit loss provision to net charge-offs | 49.1572% | 2,615 |
| Earnings coverage of net charge-offs (x) | 1.8961% | 3,203 |
| Efficiency ratio | 67.6814% | 4,375 |
| Assets per employee ($millions) | 4.8666% | 2,399 |
| Cash dividends to net income (ytd only)* | 49.5660% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 4,052 |
| Loan loss allowance to noncurrent loans | 52.7772% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 2,850 |
| Noncurrent loans to loans | 2.7284% | 1,868 |
| Net loans and leases to total assets | 46.5866% | 5,375 |
| Net loans and leases to deposits | 52.3921% | 5,585 |
| Net loans and leases to core deposits | 67.2547% | 4,385 |
| Total domestic deposits to total assets | 88.9191% | 1,725 |
| Equity capital to assets | 9.7146% | 4,542 |
| Core capital (leverage) ratio | 9.0052% | 4,876 |
| Tier 1 risk-based capital ratio | 14.0743% | 4,458 |
| Total risk-based capital ratio | 15.1351% | 4,546 |
| Memoranda: | ||
| Average total assets | $1,394,471,000 | 485 |
| Average earning assets | $1,344,964,000 | 457 |
| Average equity | $134,902,000 | 552 |
| Average total loans | $641,671,000 | 653 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 4,567 |
| Cost of funding earning assets | 0.9952% | 1,383 |
| Net interest margin | 3.2122% | 5,541 |
| Noninterest income to average assets | 0.3504% | 4,965 |
| Noninterest expense to average assets | 2.1053% | 6,114 |
| Loan and lease loss provision to assets | 0.3020% | 2,261 |
| Net operating income to assets | 0.6781% | 3,840 |
| Return on assets (ROA) | 0.9165% | 2,976 |
| Pretax return on assets | 1.3720% | 2,134 |
| Return on Equity (ROE) | 9.5763% | 2,369 |
| Retained earnings to average equity (ytd only) | 4.6904% | 2,915 |
| Net charge-offs to loans | 0.4476% | 2,439 |
| Credit loss provision to net charge-offs | 154.7735% | 1,745 |
| Earnings coverage of net charge-offs (x) | 6.7548% | 2,746 |
| Efficiency ratio | 60.7487% | 5,420 |
| Assets per employee ($millions) | 5.1344% | 2,059 |
| Cash dividends to net income (ytd only)* | 51.0204% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 3,141 |
| Loan loss allowance to noncurrent loans | 48.9145% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.6730% | 2,887 |
| Noncurrent loans to loans | 3.3557% | 1,512 |
| Net loans and leases to total assets | 44.0504% | 5,812 |
| Net loans and leases to deposits | 49.4220% | 5,998 |
| Net loans and leases to core deposits | 62.9185% | 5,073 |
| Total domestic deposits to total assets | 89.1312% | 1,483 |
| Equity capital to assets | 9.6343% | 4,686 |
| Core capital (leverage) ratio | 9.3385% | 4,346 |
| Tier 1 risk-based capital ratio | 14.2935% | 4,170 |
| Total risk-based capital ratio | 15.4750% | 4,180 |
| Memoranda: | ||
| Average total assets | $1,368,694,200 | 487 |
| Average earning assets | $1,309,430,200 | 463 |
| Average equity | $130,990,000 | 552 |
| Average total loans | $596,739,600 | 689 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 4,531 |
| Cost of funding earning assets | 1.0298% | 1,394 |
| Net interest margin | 3.2494% | 5,548 |
| Noninterest income to average assets | 0.3811% | 4,771 |
| Noninterest expense to average assets | 2.0948% | 6,175 |
| Loan and lease loss provision to assets | 0.2957% | 2,224 |
| Net operating income to assets | 0.7246% | 3,802 |
| Return on assets (ROA) | 0.9337% | 3,042 |
| Pretax return on assets | 1.4092% | 2,200 |
| Return on Equity (ROE) | 9.7729% | 2,458 |
| Retained earnings to average equity (ytd only) | 3.2015% | 4,616 |
| Net charge-offs to loans | 0.5407% | 1,982 |
| Credit loss provision to net charge-offs | 126.3202% | 2,270 |
| Earnings coverage of net charge-offs (x) | 5.9300% | 2,889 |
| Efficiency ratio | 59.4006% | 5,598 |
| Assets per employee ($millions) | 4.9118% | 2,308 |
| Cash dividends to net income (ytd only)* | 67.2410% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 3,659 |
| Loan loss allowance to noncurrent loans | 38.5820% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 2.1371% | 2,508 |
| Noncurrent loans to loans | 4.0645% | 1,248 |
| Net loans and leases to total assets | 43.8595% | 5,980 |
| Net loans and leases to deposits | 49.4346% | 6,155 |
| Net loans and leases to core deposits | 63.7942% | 5,174 |
| Total domestic deposits to total assets | 88.7224% | 1,580 |
| Equity capital to assets | 9.8699% | 4,681 |
| Core capital (leverage) ratio | 9.1388% | 4,847 |
| Tier 1 risk-based capital ratio | 14.1389% | 4,428 |
| Total risk-based capital ratio | 15.2409% | 4,480 |
| Memoranda: | ||
| Average total assets | $1,359,159,750 | 494 |
| Average earning assets | $1,297,357,250 | 469 |
| Average equity | $129,853,000 | 558 |
| Average total loans | $588,410,250 | 705 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 4,121 |
| Cost of funding earning assets | 1.0614% | 1,404 |
| Net interest margin | 3.3537% | 5,252 |
| Noninterest income to average assets | 0.3945% | 4,693 |
| Noninterest expense to average assets | 2.0751% | 6,277 |
| Loan and lease loss provision to assets | 0.3097% | 2,129 |
| Net operating income to assets | 0.7948% | 3,411 |
| Return on assets (ROA) | 0.9388% | 2,979 |
| Pretax return on assets | 1.4205% | 2,129 |
| Return on Equity (ROE) | 9.9365% | 2,382 |
| Retained earnings to average equity (ytd only) | 2.7700% | 4,775 |
| Net charge-offs to loans | 0.6325% | 1,739 |
| Credit loss provision to net charge-offs | 114.2237% | 2,393 |
| Earnings coverage of net charge-offs (x) | 5.5760% | 2,805 |
| Efficiency ratio | 57.1241% | 5,978 |
| Assets per employee ($millions) | 5.0314% | 2,135 |
| Cash dividends to net income (ytd only)* | 72.1229% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 3,867 |
| Loan loss allowance to noncurrent loans | 44.7759% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 1.9997% | 2,779 |
| Noncurrent loans to loans | 3.4195% | 1,693 |
| Net loans and leases to total assets | 43.1147% | 6,101 |
| Net loans and leases to deposits | 48.7179% | 6,266 |
| Net loans and leases to core deposits | 63.9260% | 5,219 |
| Total domestic deposits to total assets | 88.4988% | 1,819 |
| Equity capital to assets | 9.6377% | 4,852 |
| Core capital (leverage) ratio | 8.9273% | 5,015 |
| Tier 1 risk-based capital ratio | 13.6142% | 4,731 |
| Total risk-based capital ratio | 14.6465% | 4,864 |
| Memoranda: | ||
| Average total assets | $1,358,693,330 | 492 |
| Average earning assets | $1,293,360,330 | 469 |
| Average equity | $128,375,330 | 562 |
| Average total loans | $582,466,330 | 705 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 4,191 |
| Cost of funding earning assets | 1.0895% | 1,457 |
| Net interest margin | 3.3424% | 5,327 |
| Noninterest income to average assets | 0.4088% | 4,607 |
| Noninterest expense to average assets | 2.0117% | 6,440 |
| Loan and lease loss provision to assets | 0.3539% | 1,777 |
| Net operating income to assets | 0.8144% | 3,319 |
| Return on assets (ROA) | 0.9561% | 2,865 |
| Pretax return on assets | 1.4581% | 1,999 |
| Return on Equity (ROE) | 10.2225% | 2,320 |
| Retained earnings to average equity (ytd only) | 4.5468% | 3,855 |
| Net charge-offs to loans | 0.0883% | 3,633 |
| Credit loss provision to net charge-offs | 944.8819% | 370 |
| Earnings coverage of net charge-offs (x) | 42.6457% | 706 |
| Efficiency ratio | 55.0217% | 6,226 |
| Assets per employee ($millions) | 4.9072% | 2,379 |
| Cash dividends to net income (ytd only)* | 55.5213% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7239% | 3,249 |
| Loan loss allowance to noncurrent loans | 40.2377% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 2.1881% | 2,697 |
| Noncurrent loans to loans | 4.2843% | 1,398 |
| Net loans and leases to total assets | 41.7377% | 6,215 |
| Net loans and leases to deposits | 46.7204% | 6,371 |
| Net loans and leases to core deposits | 60.6936% | 5,464 |
| Total domestic deposits to total assets | 89.3351% | 1,463 |
| Equity capital to assets | 9.2633% | 5,140 |
| Core capital (leverage) ratio | 8.9268% | 4,952 |
| Tier 1 risk-based capital ratio | 13.6412% | 4,721 |
| Total risk-based capital ratio | 14.7700% | 4,800 |
| Memoranda: | ||
| Average total assets | $1,356,289,500 | 489 |
| Average earning assets | $1,298,581,000 | 465 |
| Average equity | $126,858,000 | 563 |
| Average total loans | $575,194,000 | 722 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 4,231 |
| Cost of funding earning assets | 1.2811% | 1,574 |
| Net interest margin | 3.4229% | 5,417 |
| Noninterest income to average assets | 0.5410% | 3,579 |
| Noninterest expense to average assets | 2.2053% | 6,256 |
| Loan and lease loss provision to assets | 0.8309% | 1,173 |
| Net operating income to assets | 0.5363% | 4,284 |
| Return on assets (ROA) | 0.7324% | 3,504 |
| Pretax return on assets | 1.0524% | 3,026 |
| Return on Equity (ROE) | 8.3300% | 2,750 |
| Retained earnings to average equity (ytd only) | 4.0625% | 3,298 |
| Net charge-offs to loans | 1.6759% | 920 |
| Credit loss provision to net charge-offs | 105.8390% | 3,228 |
| Earnings coverage of net charge-offs (x) | 2.0421% | 4,249 |
| Efficiency ratio | 57.2916% | 6,152 |
| Assets per employee ($millions) | 5.2050% | 1,942 |
| Cash dividends to net income (ytd only)* | 51.2306% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 3,798 |
| Loan loss allowance to noncurrent loans | 38.2947% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 2.1352% | 2,809 |
| Noncurrent loans to loans | 4.0457% | 1,543 |
| Net loans and leases to total assets | 41.6926% | 6,410 |
| Net loans and leases to deposits | 46.6715% | 6,586 |
| Net loans and leases to core deposits | 61.8253% | 5,677 |
| Total domestic deposits to total assets | 89.3321% | 1,341 |
| Equity capital to assets | 9.4437% | 4,975 |
| Core capital (leverage) ratio | 9.1251% | 4,581 |
| Tier 1 risk-based capital ratio | 13.8640% | 4,427 |
| Total risk-based capital ratio | 14.9008% | 4,549 |
| Memoranda: | ||
| Average total assets | $1,225,980,000 | 535 |
| Average earning assets | $1,170,304,800 | 503 |
| Average equity | $107,790,800 | 641 |
| Average total loans | $574,301,400 | 736 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7755% | 4,120 |
| Cost of funding earning assets | 1.3281% | 1,557 |
| Net interest margin | 3.4473% | 5,402 |
| Noninterest income to average assets | 0.5952% | 3,200 |
| Noninterest expense to average assets | 2.2356% | 6,201 |
| Loan and lease loss provision to assets | 0.7654% | 1,232 |
| Net operating income to assets | 0.6137% | 4,027 |
| Return on assets (ROA) | 0.8484% | 3,100 |
| Pretax return on assets | 1.2192% | 2,565 |
| Return on Equity (ROE) | 9.8569% | 2,250 |
| Retained earnings to average equity (ytd only) | 5.3170% | 2,981 |
| Net charge-offs to loans | 1.7329% | 794 |
| Credit loss provision to net charge-offs | 91.7916% | 3,715 |
| Earnings coverage of net charge-offs (x) | 1.9779% | 4,169 |
| Efficiency ratio | 56.9811% | 6,149 |
| Assets per employee ($millions) | 5.0643% | 2,108 |
| Cash dividends to net income (ytd only)* | 46.0587% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 5,150 |
| Loan loss allowance to noncurrent loans | 30.2557% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 2.4712% | 2,605 |
| Noncurrent loans to loans | 4.1973% | 1,565 |
| Net loans and leases to total assets | 45.6638% | 6,172 |
| Net loans and leases to deposits | 50.9906% | 6,444 |
| Net loans and leases to core deposits | 68.0734% | 5,173 |
| Total domestic deposits to total assets | 89.5533% | 1,114 |
| Equity capital to assets | 9.6758% | 4,814 |
| Core capital (leverage) ratio | 9.3073% | 4,444 |
| Tier 1 risk-based capital ratio | 13.9334% | 4,403 |
| Total risk-based capital ratio | 14.8404% | 4,635 |
| Memoranda: | ||
| Average total assets | $1,194,152,750 | 552 |
| Average earning assets | $1,139,517,250 | 524 |
| Average equity | $102,788,250 | 674 |
| Average total loans | $574,601,750 | 746 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8473% | 3,875 |
| Cost of funding earning assets | 1.3559% | 1,618 |
| Net interest margin | 3.4914% | 5,198 |
| Noninterest income to average assets | 0.4419% | 4,334 |
| Noninterest expense to average assets | 2.2070% | 6,367 |
| Loan and lease loss provision to assets | 0.5803% | 1,669 |
| Net operating income to assets | 0.6434% | 3,834 |
| Return on assets (ROA) | 0.8819% | 2,828 |
| Pretax return on assets | 1.3543% | 1,941 |
| Return on Equity (ROE) | 10.7508% | 1,882 |
| Retained earnings to average equity (ytd only) | 6.5290% | 2,121 |
| Net charge-offs to loans | 1.3772% | 1,102 |
| Credit loss provision to net charge-offs | 86.2993% | 3,577 |
| Earnings coverage of net charge-offs (x) | 2.3314% | 3,662 |
| Efficiency ratio | 57.9686% | 6,164 |
| Assets per employee ($millions) | 4.7199% | 2,514 |
| Cash dividends to net income (ytd only)* | 39.2696% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 4,462 |
| Loan loss allowance to noncurrent loans | 30.2848% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 2.5181% | 2,644 |
| Noncurrent loans to loans | 4.7038% | 1,399 |
| Net loans and leases to total assets | 46.3966% | 6,224 |
| Net loans and leases to deposits | 51.2063% | 6,521 |
| Net loans and leases to core deposits | 71.2496% | 4,922 |
| Total domestic deposits to total assets | 90.6072% | 675 |
| Equity capital to assets | 8.4454% | 6,241 |
| Core capital (leverage) ratio | 8.0149% | 6,282 |
| Tier 1 risk-based capital ratio | 12.0246% | 5,770 |
| Total risk-based capital ratio | 13.0199% | 5,954 |
| Memoranda: | ||
| Average total assets | $1,154,984,330 | 575 |
| Average earning assets | $1,102,480,000 | 545 |
| Average equity | $94,746,670 | 723 |
| Average total loans | $563,916,670 | 763 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 3,863 |
| Cost of funding earning assets | 1.3625% | 1,819 |
| Net interest margin | 3.4784% | 5,108 |
| Noninterest income to average assets | 0.4167% | 4,573 |
| Noninterest expense to average assets | 2.2324% | 6,351 |
| Loan and lease loss provision to assets | 0.1611% | 4,017 |
| Net operating income to assets | 0.8780% | 2,672 |
| Return on assets (ROA) | 0.8653% | 2,780 |
| Pretax return on assets | 1.3289% | 1,946 |
| Return on Equity (ROE) | 10.7079% | 1,831 |
| Retained earnings to average equity (ytd only) | 8.5594% | 1,532 |
| Net charge-offs to loans | 0.3856% | 2,532 |
| Credit loss provision to net charge-offs | 84.0580% | 3,068 |
| Earnings coverage of net charge-offs (x) | 7.8750% | 1,884 |
| Efficiency ratio | 59.1592% | 6,108 |
| Assets per employee ($millions) | 4.6297% | 2,690 |
| Cash dividends to net income (ytd only)* | 20.0642% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 4,461 |
| Loan loss allowance to noncurrent loans | 28.1324% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 2.5627% | 2,667 |
| Noncurrent loans to loans | 5.1352% | 1,308 |
| Net loans and leases to total assets | 47.9283% | 6,085 |
| Net loans and leases to deposits | 53.1270% | 6,374 |
| Net loans and leases to core deposits | 73.4503% | 4,597 |
| Total domestic deposits to total assets | 90.2145% | 1,012 |
| Equity capital to assets | 8.1516% | 6,341 |
| Core capital (leverage) ratio | 8.0295% | 6,221 |
| Tier 1 risk-based capital ratio | 11.6820% | 5,952 |
| Total risk-based capital ratio | 12.7168% | 6,114 |
| Memoranda: | ||
| Average total assets | $1,151,927,500 | 583 |
| Average earning assets | $1,101,205,500 | 544 |
| Average equity | $93,090,500 | 729 |
| Average total loans | $572,627,500 | 765 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3489% | 2,902 |
| Cost of funding earning assets | 1.3722% | 3,444 |
| Net interest margin | 3.9767% | 3,119 |
| Noninterest income to average assets | 0.5578% | 3,770 |
| Noninterest expense to average assets | 2.4688% | 5,897 |
| Loan and lease loss provision to assets | 0.5535% | 2,922 |
| Net operating income to assets | 0.8531% | 2,575 |
| Return on assets (ROA) | 1.0356% | 2,025 |
| Pretax return on assets | 1.5762% | 1,184 |
| Return on Equity (ROE) | 11.4659% | 1,464 |
| Retained earnings to average equity (ytd only) | 3.9950% | 3,069 |
| Net charge-offs to loans | 0.8766% | 2,437 |
| Credit loss provision to net charge-offs | 107.5518% | 4,125 |
| Earnings coverage of net charge-offs (x) | 3.6013% | 3,286 |
| Efficiency ratio | 56.6271% | 6,509 |
| Assets per employee ($millions) | 4.6039% | 2,702 |
| Cash dividends to net income (ytd only)* | 65.1574% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 4,309 |
| Loan loss allowance to noncurrent loans | 27.3667% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 2.7344% | 2,553 |
| Noncurrent loans to loans | 5.2795% | 1,256 |
| Net loans and leases to total assets | 50.0925% | 6,158 |
| Net loans and leases to deposits | 55.8952% | 6,454 |
| Net loans and leases to core deposits | 76.7661% | 4,610 |
| Total domestic deposits to total assets | 89.6186% | 1,313 |
| Equity capital to assets | 8.0086% | 6,486 |
| Core capital (leverage) ratio | 8.0586% | 6,100 |
| Tier 1 risk-based capital ratio | 11.0748% | 6,275 |
| Total risk-based capital ratio | 12.1293% | 6,398 |
| Memoranda: | ||
| Average total assets | $1,021,545,800 | 657 |
| Average earning assets | $966,977,400 | 619 |
| Average equity | $92,265,200 | 723 |
| Average total loans | $599,729,000 | 744 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4353% | 2,719 |
| Cost of funding earning assets | 1.3546% | 3,868 |
| Net interest margin | 4.0807% | 2,704 |
| Noninterest income to average assets | 0.5163% | 4,053 |
| Noninterest expense to average assets | 2.4545% | 5,871 |
| Loan and lease loss provision to assets | 0.3362% | 3,917 |
| Net operating income to assets | 1.0257% | 2,149 |
| Return on assets (ROA) | 1.2320% | 1,584 |
| Pretax return on assets | 1.8929% | 783 |
| Return on Equity (ROE) | 13.2141% | 1,204 |
| Retained earnings to average equity (ytd only) | 5.4537% | 2,677 |
| Net charge-offs to loans | 0.6275% | 2,862 |
| Credit loss provision to net charge-offs | 87.8990% | 4,857 |
| Earnings coverage of net charge-offs (x) | 4.9979% | 2,877 |
| Efficiency ratio | 55.7153% | 6,600 |
| Assets per employee ($millions) | 4.8845% | 2,348 |
| Cash dividends to net income (ytd only)* | 58.7281% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 5,254 |
| Loan loss allowance to noncurrent loans | 32.1929% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 2.5767% | 2,799 |
| Noncurrent loans to loans | 3.8729% | 1,962 |
| Net loans and leases to total assets | 56.6059% | 5,464 |
| Net loans and leases to deposits | 64.3040% | 5,876 |
| Net loans and leases to core deposits | 89.0172% | 3,231 |
| Total domestic deposits to total assets | 88.0286% | 1,939 |
| Equity capital to assets | 9.1087% | 5,435 |
| Core capital (leverage) ratio | 8.3869% | 5,722 |
| Tier 1 risk-based capital ratio | 11.2059% | 6,183 |
| Total risk-based capital ratio | 12.1802% | 6,420 |
| Memoranda: | ||
| Average total assets | $993,794,500 | 663 |
| Average earning assets | $937,601,250 | 641 |
| Average equity | $92,656,250 | 719 |
| Average total loans | $605,751,250 | 734 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4872% | 2,576 |
| Cost of funding earning assets | 1.3216% | 4,402 |
| Net interest margin | 4.1656% | 2,274 |
| Noninterest income to average assets | 0.5187% | 3,962 |
| Noninterest expense to average assets | 2.5074% | 5,693 |
| Loan and lease loss provision to assets | 0.2680% | 4,246 |
| Net operating income to assets | 1.0857% | 1,904 |
| Return on assets (ROA) | 1.2684% | 1,450 |
| Pretax return on assets | 1.9491% | 668 |
| Return on Equity (ROE) | 13.4917% | 1,143 |
| Retained earnings to average equity (ytd only) | 4.9694% | 2,919 |
| Net charge-offs to loans | 0.1970% | 4,427 |
| Credit loss provision to net charge-offs | 218.4564% | 1,783 |
| Earnings coverage of net charge-offs (x) | 15.7819% | 1,437 |
| Efficiency ratio | 55.9266% | 6,644 |
| Assets per employee ($millions) | 4.2754% | 3,261 |
| Cash dividends to net income (ytd only)* | 63.1673% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 4,498 |
| Loan loss allowance to noncurrent loans | 43.6333% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 2.1074% | 3,367 |
| Noncurrent loans to loans | 3.1747% | 2,520 |
| Net loans and leases to total assets | 59.8404% | 5,089 |
| Net loans and leases to deposits | 68.8560% | 5,435 |
| Net loans and leases to core deposits | 93.1300% | 2,830 |
| Total domestic deposits to total assets | 86.9065% | 2,581 |
| Equity capital to assets | 9.0879% | 5,311 |
| Core capital (leverage) ratio | 8.7795% | 4,954 |
| Tier 1 risk-based capital ratio | 10.9911% | 6,238 |
| Total risk-based capital ratio | 12.0965% | 6,397 |
| Memoranda: | ||
| Average total assets | $971,750,670 | 681 |
| Average earning assets | $915,545,000 | 651 |
| Average equity | $91,360,000 | 720 |
| Average total loans | $605,149,670 | 746 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 2,362 |
| Cost of funding earning assets | 1.3386% | 4,572 |
| Net interest margin | 4.2113% | 1,995 |
| Noninterest income to average assets | 0.5226% | 3,869 |
| Noninterest expense to average assets | 2.5709% | 5,474 |
| Loan and lease loss provision to assets | 0.2875% | 3,725 |
| Net operating income to assets | 1.0546% | 1,988 |
| Return on assets (ROA) | 1.1264% | 1,828 |
| Pretax return on assets | 1.7316% | 998 |
| Return on Equity (ROE) | 11.7680% | 1,558 |
| Retained earnings to average equity (ytd only) | 1.1812% | 5,346 |
| Net charge-offs to loans | 0.2213% | 3,604 |
| Credit loss provision to net charge-offs | 205.7576% | 1,816 |
| Earnings coverage of net charge-offs (x) | 13.6576% | 1,483 |
| Efficiency ratio | 56.8822% | 6,646 |
| Assets per employee ($millions) | 4.4372% | 3,061 |
| Cash dividends to net income (ytd only)* | 89.9624% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 4,572 |
| Loan loss allowance to noncurrent loans | 38.9743% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 2.3873% | 3,041 |
| Noncurrent loans to loans | 3.5187% | 2,264 |
| Net loans and leases to total assets | 62.0423% | 4,743 |
| Net loans and leases to deposits | 71.4129% | 5,136 |
| Net loans and leases to core deposits | 72.2730% | 5,678 |
| Total domestic deposits to total assets | 86.8783% | 2,688 |
| Equity capital to assets | 9.5432% | 4,461 |
| Core capital (leverage) ratio | 8.8272% | 4,824 |
| Tier 1 risk-based capital ratio | 11.0465% | 6,113 |
| Total risk-based capital ratio | 12.1387% | 6,234 |
| Memoranda: | ||
| Average total assets | $944,577,000 | 723 |
| Average earning assets | $887,518,000 | 691 |
| Average equity | $90,414,500 | 727 |
| Average total loans | $596,401,500 | 774 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3664% | 4,857 |
| Cost of funding earning assets | 1.6631% | 4,712 |
| Net interest margin | 3.7033% | 4,132 |
| Noninterest income to average assets | 0.5477% | 4,044 |
| Noninterest expense to average assets | 2.4552% | 6,289 |
| Loan and lease loss provision to assets | 0.4418% | 4,180 |
| Net operating income to assets | 0.7625% | 2,666 |
| Return on assets (ROA) | 0.8499% | 2,430 |
| Pretax return on assets | 1.2689% | 1,785 |
| Return on Equity (ROE) | 10.3502% | 1,593 |
| Retained earnings to average equity (ytd only) | 3.7345% | 2,589 |
| Net charge-offs to loans | 0.4544% | 3,963 |
| Credit loss provision to net charge-offs | 152.9260% | 2,995 |
| Earnings coverage of net charge-offs (x) | 5.4696% | 2,590 |
| Efficiency ratio | 60.0748% | 6,484 |
| Assets per employee ($millions) | 4.0466% | 3,718 |
| Cash dividends to net income (ytd only)* | 63.9184% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 4,521 |
| Loan loss allowance to noncurrent loans | 52.9062% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 1.7058% | 3,812 |
| Noncurrent loans to loans | 2.5374% | 3,015 |
| Net loans and leases to total assets | 62.5302% | 4,897 |
| Net loans and leases to deposits | 72.2697% | 5,288 |
| Net loans and leases to core deposits | 108.9650% | 3,002 |
| Total domestic deposits to total assets | 86.5234% | 2,750 |
| Equity capital to assets | 9.6016% | 4,269 |
| Core capital (leverage) ratio | 9.0231% | 4,378 |
| Tier 1 risk-based capital ratio | 11.1810% | 5,742 |
| Total risk-based capital ratio | 12.2422% | 5,893 |
| Memoranda: | ||
| Average total assets | $940,456,200 | 714 |
| Average earning assets | $885,688,000 | 684 |
| Average equity | $77,225,400 | 836 |
| Average total loans | $597,917,000 | 790 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 5,775 |
| Cost of funding earning assets | 1.7563% | 4,612 |
| Net interest margin | 3.4693% | 4,994 |
| Noninterest income to average assets | 0.5308% | 4,228 |
| Noninterest expense to average assets | 2.4694% | 6,178 |
| Loan and lease loss provision to assets | 0.2957% | 4,609 |
| Net operating income to assets | 0.6772% | 3,286 |
| Return on assets (ROA) | 0.6588% | 3,423 |
| Pretax return on assets | 1.0092% | 2,875 |
| Return on Equity (ROE) | 8.3728% | 2,495 |
| Retained earnings to average equity (ytd only) | 0.7907% | 4,847 |
| Net charge-offs to loans | 0.3729% | 3,782 |
| Credit loss provision to net charge-offs | 124.6126% | 4,044 |
| Earnings coverage of net charge-offs (x) | 5.6186% | 2,774 |
| Efficiency ratio | 64.0735% | 5,736 |
| Assets per employee ($millions) | 4.0641% | 3,614 |
| Cash dividends to net income (ytd only)* | 90.5559% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 5,365 |
| Loan loss allowance to noncurrent loans | 68.0988% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2319% | 4,596 |
| Noncurrent loans to loans | 1.7012% | 4,088 |
| Net loans and leases to total assets | 62.9326% | 5,079 |
| Net loans and leases to deposits | 70.7953% | 5,812 |
| Net loans and leases to core deposits | 111.5566% | 3,062 |
| Total domestic deposits to total assets | 88.8938% | 1,243 |
| Equity capital to assets | 9.4722% | 4,779 |
| Core capital (leverage) ratio | 8.8030% | 4,966 |
| Tier 1 risk-based capital ratio | 10.6971% | 6,253 |
| Total risk-based capital ratio | 11.5997% | 6,565 |
| Memoranda: | ||
| Average total assets | $942,889,500 | 724 |
| Average earning assets | $889,192,250 | 697 |
| Average equity | $74,190,750 | 885 |
| Average total loans | $599,920,750 | 803 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 6,537 |
| Cost of funding earning assets | 1.8204% | 4,662 |
| Net interest margin | 3.2522% | 5,727 |
| Noninterest income to average assets | 0.5214% | 4,264 |
| Noninterest expense to average assets | 2.4636% | 6,246 |
| Loan and lease loss provision to assets | 0.2853% | 4,297 |
| Net operating income to assets | 0.5443% | 3,908 |
| Return on assets (ROA) | 0.5457% | 4,022 |
| Pretax return on assets | 0.8348% | 3,557 |
| Return on Equity (ROE) | 7.4344% | 3,017 |
| Retained earnings to average equity (ytd only) | -1.5532% | 5,633 |
| Net charge-offs to loans | 0.3757% | 3,315 |
| Credit loss provision to net charge-offs | 119.3805% | 3,894 |
| Earnings coverage of net charge-offs (x) | 4.6779% | 3,036 |
| Efficiency ratio | 67.8694% | 5,171 |
| Assets per employee ($millions) | 4.2401% | 3,218 |
| Cash dividends to net income (ytd only)* | 120.8915% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 5,569 |
| Loan loss allowance to noncurrent loans | 73.3071% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.0895% | 4,774 |
| Noncurrent loans to loans | 1.5068% | 4,236 |
| Net loans and leases to total assets | 62.6058% | 5,250 |
| Net loans and leases to deposits | 70.3703% | 5,943 |
| Net loans and leases to core deposits | 108.7402% | 3,523 |
| Total domestic deposits to total assets | 88.9662% | 1,287 |
| Equity capital to assets | 7.5090% | 7,253 |
| Core capital (leverage) ratio | 7.2604% | 7,288 |
| Tier 1 risk-based capital ratio | 8.9716% | 7,712 |
| Total risk-based capital ratio | 9.8228% | 7,871 |
| Memoranda: | ||
| Average total assets | $945,605,670 | 741 |
| Average earning assets | $889,806,330 | 707 |
| Average equity | $69,407,330 | 962 |
| Average total loans | $601,510,330 | 817 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 6,968 |
| Cost of funding earning assets | 1.8622% | 4,822 |
| Net interest margin | 3.1219% | 6,136 |
| Noninterest income to average assets | 0.4863% | 4,447 |
| Noninterest expense to average assets | 2.3806% | 6,259 |
| Loan and lease loss provision to assets | 0.2760% | 3,754 |
| Net operating income to assets | 0.5076% | 4,386 |
| Return on assets (ROA) | 0.5076% | 4,571 |
| Pretax return on assets | 0.7776% | 4,159 |
| Return on Equity (ROE) | 6.9981% | 3,598 |
| Retained earnings to average equity (ytd only) | 1.7730% | 4,865 |
| Net charge-offs to loans | 0.4581% | 2,303 |
| Credit loss provision to net charge-offs | 94.4606% | 3,908 |
| Earnings coverage of net charge-offs (x) | 3.6064% | 3,121 |
| Efficiency ratio | 68.3532% | 4,901 |
| Assets per employee ($millions) | 4.4008% | 2,885 |
| Cash dividends to net income (ytd only)* | 74.6644% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 5,548 |
| Loan loss allowance to noncurrent loans | 84.5336% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 5,064 |
| Noncurrent loans to loans | 1.2887% | 4,399 |
| Net loans and leases to total assets | 58.0570% | 5,930 |
| Net loans and leases to deposits | 64.1395% | 6,550 |
| Net loans and leases to core deposits | 96.3590% | 4,925 |
| Total domestic deposits to total assets | 90.5168% | 584 |
| Equity capital to assets | 6.9663% | 7,699 |
| Core capital (leverage) ratio | 7.4919% | 7,165 |
| Tier 1 risk-based capital ratio | 9.5455% | 7,392 |
| Total risk-based capital ratio | 10.4087% | 7,700 |
| Memoranda: | ||
| Average total assets | $939,273,000 | 745 |
| Average earning assets | $886,906,500 | 709 |
| Average equity | $68,132,500 | 987 |
| Average total loans | $598,948,500 | 827 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2371% | 4,316 |
| Cost of funding earning assets | 2.0238% | 6,332 |
| Net interest margin | 4.2133% | 2,266 |
| Noninterest income to average assets | 0.6014% | 3,836 |
| Noninterest expense to average assets | 2.6898% | 5,312 |
| Loan and lease loss provision to assets | 0.1991% | 4,902 |
| Net operating income to assets | 1.1339% | 2,014 |
| Return on assets (ROA) | 0.7518% | 3,496 |
| Pretax return on assets | 1.1026% | 3,020 |
| Return on Equity (ROE) | 9.0811% | 2,614 |
| Retained earnings to average equity (ytd only) | -1.5143% | 5,744 |
| Net charge-offs to loans | 0.2235% | 3,995 |
| Credit loss provision to net charge-offs | 121.5774% | 4,418 |
| Earnings coverage of net charge-offs (x) | 11.3810% | 2,377 |
| Efficiency ratio | 58.2410% | 6,654 |
| Assets per employee ($millions) | 3.4148% | 4,901 |
| Cash dividends to net income (ytd only)* | 116.6748% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,488 |
| Loan loss allowance to noncurrent loans | 69.4450% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 3,929 |
| Noncurrent loans to loans | 1.5393% | 3,485 |
| Net loans and leases to total assets | 68.8914% | 4,282 |
| Net loans and leases to deposits | 76.8626% | 5,491 |
| Net loans and leases to core deposits | 112.6092% | 3,496 |
| Total domestic deposits to total assets | 89.6293% | 793 |
| Equity capital to assets | 7.5864% | 7,313 |
| Core capital (leverage) ratio | 7.9494% | 6,573 |
| Tier 1 risk-based capital ratio | 9.1194% | 7,696 |
| Total risk-based capital ratio | 10.0288% | 7,987 |
| Memoranda: | ||
| Average total assets | $820,811,800 | 830 |
| Average earning assets | $769,896,400 | 803 |
| Average equity | $67,954,400 | 984 |
| Average total loans | $601,342,600 | 795 |