Home > First Midwest Bank of the Ozarks > Performance and Condition Ratios
First Midwest Bank of the Ozarks, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1389% | 536 |
| Cost of funding earning assets | 2.1227% | 739 |
| Net interest margin | 4.0162% | 1,183 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.4507% | 2,442 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.7165% | 712 |
| Return on assets (ROA) | 1.7165% | 680 |
| Pretax return on assets | 1.7176% | 1,030 |
| Return on Equity (ROE) | 17.8800% | 834 |
| Retained earnings to average equity (ytd only) | 8.8613% | 1,288 |
| Net charge-offs to loans | 0.0729% | 1,128 |
| Credit loss provision to net charge-offs | 282.0796% | 996 |
| Earnings coverage of net charge-offs (x) | 30.2965% | 1,631 |
| Efficiency ratio | 56.4066% | 3,457 |
| Assets per employee ($millions) | 6.2226% | 2,614 |
| Cash dividends to net income (ytd only)* | 50.4311% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 1,540 |
| Loan loss allowance to noncurrent loans | 131.1918% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 555 |
| Noncurrent loans to loans | 1.0379% | 711 |
| Net loans and leases to total assets | 84.1200% | 265 |
| Net loans and leases to deposits | 98.1963% | 638 |
| Net loans and leases to core deposits | 110.3267% | 951 |
| Total domestic deposits to total assets | 85.6600% | 2,120 |
| Equity capital to assets | 9.8935% | 2,071 |
| Core capital (leverage) ratio | 10.3679% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1475% | 1,818 |
| Memoranda: | ||
| Average total assets | $723,032,000 | 1,272 |
| Average earning assets | $675,190,400 | 1,271 |
| Average equity | $69,425,400 | 1,256 |
| Average total loans | $619,949,200 | 1,069 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0402% | 504 |
| Cost of funding earning assets | 1.9693% | 745 |
| Net interest margin | 4.0709% | 1,118 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.4476% | 2,379 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.8338% | 622 |
| Return on assets (ROA) | 1.8338% | 614 |
| Pretax return on assets | 1.8352% | 951 |
| Return on Equity (ROE) | 19.2500% | 795 |
| Retained earnings to average equity (ytd only) | 12.5974% | 874 |
| Net charge-offs to loans | 0.0686% | 990 |
| Credit loss provision to net charge-offs | 196.8652% | 1,140 |
| Earnings coverage of net charge-offs (x) | 33.1129% | 1,543 |
| Efficiency ratio | 55.6419% | 3,428 |
| Assets per employee ($millions) | 6.3364% | 2,466 |
| Cash dividends to net income (ytd only)* | 34.5422% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 1,932 |
| Loan loss allowance to noncurrent loans | 131.9814% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 661 |
| Noncurrent loans to loans | 0.9744% | 843 |
| Net loans and leases to total assets | 83.6400% | 311 |
| Net loans and leases to deposits | 98.3497% | 595 |
| Net loans and leases to core deposits | 110.9014% | 841 |
| Total domestic deposits to total assets | 85.0400% | 2,484 |
| Equity capital to assets | 9.7520% | 1,958 |
| Core capital (leverage) ratio | 10.4080% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0857% | 1,865 |
| Memoranda: | ||
| Average total assets | $721,780,000 | 1,275 |
| Average earning assets | $673,537,250 | 1,266 |
| Average equity | $68,774,500 | 1,258 |
| Average total loans | $619,721,500 | 1,066 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9385% | 475 |
| Cost of funding earning assets | 1.7817% | 765 |
| Net interest margin | 4.1568% | 993 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.4635% | 2,309 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.9030% | 559 |
| Return on assets (ROA) | 1.9030% | 551 |
| Pretax return on assets | 1.9053% | 854 |
| Return on Equity (ROE) | 20.1300% | 692 |
| Retained earnings to average equity (ytd only) | 14.5062% | 618 |
| Net charge-offs to loans | 0.0390% | 1,132 |
| Credit loss provision to net charge-offs | 344.6281% | 794 |
| Earnings coverage of net charge-offs (x) | 60.0909% | 1,200 |
| Efficiency ratio | 54.9309% | 3,540 |
| Assets per employee ($millions) | 6.7983% | 2,069 |
| Cash dividends to net income (ytd only)* | 27.9433% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,098 |
| Loan loss allowance to noncurrent loans | 247.8737% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 1,183 |
| Noncurrent loans to loans | 0.5104% | 1,436 |
| Net loans and leases to total assets | 85.0500% | 204 |
| Net loans and leases to deposits | 99.5193% | 537 |
| Net loans and leases to core deposits | 111.9496% | 748 |
| Total domestic deposits to total assets | 85.4600% | 2,405 |
| Equity capital to assets | 9.6521% | 2,061 |
| Core capital (leverage) ratio | 10.3333% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5760% | 2,069 |
| Memoranda: | ||
| Average total assets | $719,478,333 | 1,269 |
| Average earning assets | $671,815,333 | 1,263 |
| Average equity | $68,012,333 | 1,266 |
| Average total loans | $620,487,667 | 1,052 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 558 |
| Cost of funding earning assets | 1.5236% | 802 |
| Net interest margin | 4.0469% | 1,186 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.4738% | 2,307 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.7917% | 684 |
| Return on assets (ROA) | 1.7917% | 674 |
| Pretax return on assets | 1.7917% | 1,079 |
| Return on Equity (ROE) | 19.1600% | 859 |
| Retained earnings to average equity (ytd only) | 19.1592% | 423 |
| Net charge-offs to loans | 0.0369% | 995 |
| Credit loss provision to net charge-offs | 363.1579% | 635 |
| Earnings coverage of net charge-offs (x) | 59.8596% | 1,021 |
| Efficiency ratio | 56.4629% | 3,357 |
| Assets per employee ($millions) | 5.9667% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,255 |
| Loan loss allowance to noncurrent loans | 273.6898% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 1,260 |
| Noncurrent loans to loans | 0.4593% | 1,566 |
| Net loans and leases to total assets | 85.3600% | 162 |
| Net loans and leases to deposits | 98.8407% | 491 |
| Net loans and leases to core deposits | 110.7280% | 680 |
| Total domestic deposits to total assets | 86.3600% | 2,489 |
| Equity capital to assets | 9.6034% | 2,061 |
| Core capital (leverage) ratio | 10.2484% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4129% | 2,216 |
| Memoranda: | ||
| Average total assets | $715,510,000 | 1,292 |
| Average earning assets | $667,382,500 | 1,288 |
| Average equity | $66,913,000 | 1,291 |
| Average total loans | $617,444,000 | 1,065 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 424 |
| Cost of funding earning assets | 0.6037% | 890 |
| Net interest margin | 4.2035% | 531 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.5205% | 2,048 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.8880% | 362 |
| Return on assets (ROA) | 1.8588% | 364 |
| Pretax return on assets | 1.8588% | 640 |
| Return on Equity (ROE) | 19.3800% | 531 |
| Retained earnings to average equity (ytd only) | 6.1146% | 2,603 |
| Net charge-offs to loans | 0.0354% | 1,374 |
| Credit loss provision to net charge-offs | 453.2020% | 724 |
| Earnings coverage of net charge-offs (x) | 67.3399% | 1,181 |
| Efficiency ratio | 55.4607% | 3,634 |
| Assets per employee ($millions) | 6.1112% | 2,668 |
| Cash dividends to net income (ytd only)* | 68.4458% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 2,200 |
| Loan loss allowance to noncurrent loans | 249.8690% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 1,160 |
| Noncurrent loans to loans | 0.4958% | 1,462 |
| Net loans and leases to total assets | 85.0800% | 204 |
| Net loans and leases to deposits | 99.9938% | 436 |
| Net loans and leases to core deposits | 110.5191% | 593 |
| Total domestic deposits to total assets | 85.0800% | 2,973 |
| Equity capital to assets | 9.0998% | 2,298 |
| Core capital (leverage) ratio | 9.8928% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8342% | 2,440 |
| Memoranda: | ||
| Average total assets | $675,332,000 | 1,337 |
| Average earning assets | $629,667,800 | 1,330 |
| Average equity | $64,779,000 | 1,325 |
| Average total loans | $573,585,200 | 1,069 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5988% | 422 |
| Cost of funding earning assets | 0.4035% | 1,264 |
| Net interest margin | 4.1953% | 428 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.5561% | 1,841 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.8827% | 357 |
| Return on assets (ROA) | 1.8827% | 351 |
| Pretax return on assets | 1.8827% | 609 |
| Return on Equity (ROE) | 19.3600% | 494 |
| Retained earnings to average equity (ytd only) | 7.7846% | 2,090 |
| Net charge-offs to loans | 0.0405% | 1,089 |
| Credit loss provision to net charge-offs | 315.2047% | 789 |
| Earnings coverage of net charge-offs (x) | 58.0994% | 1,185 |
| Efficiency ratio | 56.2181% | 3,608 |
| Assets per employee ($millions) | 5.8070% | 2,922 |
| Cash dividends to net income (ytd only)* | 59.7914% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 2,495 |
| Loan loss allowance to noncurrent loans | 228.4907% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 1,142 |
| Noncurrent loans to loans | 0.5277% | 1,483 |
| Net loans and leases to total assets | 85.6200% | 146 |
| Net loans and leases to deposits | 100.9378% | 329 |
| Net loans and leases to core deposits | 109.6800% | 481 |
| Total domestic deposits to total assets | 84.8200% | 3,328 |
| Equity capital to assets | 9.2289% | 2,055 |
| Core capital (leverage) ratio | 10.1373% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4313% | 2,299 |
| Memoranda: | ||
| Average total assets | $665,411,500 | 1,358 |
| Average earning assets | $621,190,000 | 1,354 |
| Average equity | $64,707,500 | 1,338 |
| Average total loans | $562,992,000 | 1,081 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 397 |
| Cost of funding earning assets | 0.3594% | 1,193 |
| Net interest margin | 4.1012% | 400 |
| Noninterest income to average assets | 0.6724% | 1,454 |
| Noninterest expense to average assets | 2.5764% | 1,708 |
| Loan and lease loss provision to assets | 0.1090% | 914 |
| Net operating income to assets | 1.8164% | 327 |
| Return on assets (ROA) | 1.8164% | 323 |
| Pretax return on assets | 1.8164% | 574 |
| Return on Equity (ROE) | 18.3468% | 431 |
| Retained earnings to average equity (ytd only) | 5.0956% | 2,674 |
| Net charge-offs to loans | 0.0342% | 1,051 |
| Credit loss provision to net charge-offs | 379.7872% | 714 |
| Earnings coverage of net charge-offs (x) | 67.0745% | 1,026 |
| Efficiency ratio | 57.2310% | 3,652 |
| Assets per employee ($millions) | 5.6106% | 3,120 |
| Cash dividends to net income (ytd only)* | 72.2260% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,510 |
| Loan loss allowance to noncurrent loans | 198.6988% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 1,044 |
| Noncurrent loans to loans | 0.6207% | 1,365 |
| Net loans and leases to total assets | 84.6538% | 158 |
| Net loans and leases to deposits | 95.9336% | 435 |
| Net loans and leases to core deposits | 103.9547% | 515 |
| Total domestic deposits to total assets | 88.2420% | 2,483 |
| Equity capital to assets | 9.3486% | 2,131 |
| Core capital (leverage) ratio | 10.0796% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0525% | 2,477 |
| Memoranda: | ||
| Average total assets | $654,935,333 | 1,379 |
| Average earning assets | $611,525,333 | 1,383 |
| Average equity | $64,839,667 | 1,362 |
| Average total loans | $549,349,667 | 1,092 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3470% | 409 |
| Cost of funding earning assets | 0.3521% | 1,181 |
| Net interest margin | 3.9949% | 421 |
| Noninterest income to average assets | 0.6557% | 1,466 |
| Noninterest expense to average assets | 2.5712% | 1,688 |
| Loan and lease loss provision to assets | 0.1107% | 754 |
| Net operating income to assets | 1.7009% | 413 |
| Return on assets (ROA) | 1.7009% | 414 |
| Pretax return on assets | 1.7009% | 682 |
| Return on Equity (ROE) | 16.6894% | 458 |
| Retained earnings to average equity (ytd only) | 16.6894% | 195 |
| Net charge-offs to loans | 0.0390% | 892 |
| Credit loss provision to net charge-offs | 342.3077% | 628 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 882 |
| Efficiency ratio | 58.6657% | 3,615 |
| Assets per employee ($millions) | 5.6910% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,377 |
| Loan loss allowance to noncurrent loans | 194.0463% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 1,054 |
| Noncurrent loans to loans | 0.6685% | 1,421 |
| Net loans and leases to total assets | 82.5622% | 138 |
| Net loans and leases to deposits | 92.7297% | 407 |
| Net loans and leases to core deposits | 99.9409% | 514 |
| Total domestic deposits to total assets | 89.0354% | 2,066 |
| Equity capital to assets | 10.1243% | 1,810 |
| Core capital (leverage) ratio | 10.5886% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0878% | 2,169 |
| Memoranda: | ||
| Average total assets | $642,961,500 | 1,404 |
| Average earning assets | $599,868,500 | 1,411 |
| Average equity | $65,526,500 | 1,397 |
| Average total loans | $533,086,000 | 1,110 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 530 |
| Cost of funding earning assets | 0.4839% | 995 |
| Net interest margin | 4.0860% | 613 |
| Noninterest income to average assets | 0.6521% | 1,937 |
| Noninterest expense to average assets | 2.6071% | 1,851 |
| Loan and lease loss provision to assets | 0.1192% | 1,045 |
| Net operating income to assets | 1.7195% | 603 |
| Return on assets (ROA) | 1.7195% | 626 |
| Pretax return on assets | 1.7178% | 1,101 |
| Return on Equity (ROE) | 17.0589% | 581 |
| Retained earnings to average equity (ytd only) | 7.6208% | 1,690 |
| Net charge-offs to loans | 0.0254% | 1,741 |
| Credit loss provision to net charge-offs | 582.3077% | 738 |
| Earnings coverage of net charge-offs (x) | 89.7154% | 930 |
| Efficiency ratio | 58.6638% | 3,331 |
| Assets per employee ($millions) | 5.3542% | 3,413 |
| Cash dividends to net income (ytd only)* | 55.3266% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 2,265 |
| Loan loss allowance to noncurrent loans | 202.9351% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 1,245 |
| Noncurrent loans to loans | 0.6508% | 1,532 |
| Net loans and leases to total assets | 81.0761% | 221 |
| Net loans and leases to deposits | 91.4166% | 507 |
| Net loans and leases to core deposits | 99.2904% | 567 |
| Total domestic deposits to total assets | 88.6886% | 1,672 |
| Equity capital to assets | 10.2596% | 2,418 |
| Core capital (leverage) ratio | 10.1720% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9078% | 2,276 |
| Memoranda: | ||
| Average total assets | $634,876,800 | 1,391 |
| Average earning assets | $589,205,800 | 1,396 |
| Average equity | $63,996,000 | 1,445 |
| Average total loans | $512,082,400 | 1,140 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 501 |
| Cost of funding earning assets | 0.5111% | 995 |
| Net interest margin | 4.1658% | 582 |
| Noninterest income to average assets | 0.6885% | 1,863 |
| Noninterest expense to average assets | 2.5415% | 1,996 |
| Loan and lease loss provision to assets | 0.1461% | 773 |
| Net operating income to assets | 1.9053% | 551 |
| Return on assets (ROA) | 1.9053% | 573 |
| Pretax return on assets | 1.9053% | 938 |
| Return on Equity (ROE) | 19.0463% | 512 |
| Retained earnings to average equity (ytd only) | 8.6320% | 1,822 |
| Net charge-offs to loans | 0.0300% | 1,453 |
| Credit loss provision to net charge-offs | 573.4043% | 719 |
| Earnings coverage of net charge-offs (x) | 80.5426% | 982 |
| Efficiency ratio | 55.3360% | 3,614 |
| Assets per employee ($millions) | 4.9898% | 3,708 |
| Cash dividends to net income (ytd only)* | 54.6786% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,481 |
| Loan loss allowance to noncurrent loans | 338.6658% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 2,107 |
| Noncurrent loans to loans | 0.3841% | 2,407 |
| Net loans and leases to total assets | 84.2240% | 111 |
| Net loans and leases to deposits | 94.6983% | 392 |
| Net loans and leases to core deposits | 106.1307% | 403 |
| Total domestic deposits to total assets | 88.9393% | 1,319 |
| Equity capital to assets | 10.1605% | 2,749 |
| Core capital (leverage) ratio | 10.0259% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7184% | 2,466 |
| Memoranda: | ||
| Average total assets | $492,091,750 | 1,735 |
| Average earning assets | $461,199,750 | 1,726 |
| Average equity | $49,226,250 | 1,812 |
| Average total loans | $418,069,500 | 1,353 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8342% | 448 |
| Cost of funding earning assets | 0.5422% | 978 |
| Net interest margin | 4.2921% | 499 |
| Noninterest income to average assets | 0.6959% | 1,824 |
| Noninterest expense to average assets | 2.4893% | 2,181 |
| Loan and lease loss provision to assets | 0.1453% | 828 |
| Net operating income to assets | 2.0755% | 424 |
| Return on assets (ROA) | 2.0755% | 443 |
| Pretax return on assets | 2.0755% | 712 |
| Return on Equity (ROE) | 20.8570% | 394 |
| Retained earnings to average equity (ytd only) | 10.0400% | 1,379 |
| Net charge-offs to loans | 0.0475% | 1,153 |
| Credit loss provision to net charge-offs | 360.6061% | 812 |
| Earnings coverage of net charge-offs (x) | 55.1212% | 1,016 |
| Efficiency ratio | 52.8512% | 3,944 |
| Assets per employee ($millions) | 5.1187% | 3,539 |
| Cash dividends to net income (ytd only)* | 51.8627% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,557 |
| Loan loss allowance to noncurrent loans | 302.4557% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 2,092 |
| Noncurrent loans to loans | 0.4218% | 2,419 |
| Net loans and leases to total assets | 83.4085% | 154 |
| Net loans and leases to deposits | 93.4152% | 479 |
| Net loans and leases to core deposits | 105.2799% | 493 |
| Total domestic deposits to total assets | 89.2878% | 1,148 |
| Equity capital to assets | 10.0819% | 2,782 |
| Core capital (leverage) ratio | 9.8724% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5724% | 2,520 |
| Memoranda: | ||
| Average total assets | $491,458,333 | 1,732 |
| Average earning assets | $459,640,333 | 1,724 |
| Average equity | $48,904,333 | 1,804 |
| Average total loans | $416,911,667 | 1,363 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 423 |
| Cost of funding earning assets | 0.5939% | 895 |
| Net interest margin | 4.2889% | 526 |
| Noninterest income to average assets | 0.6869% | 1,906 |
| Noninterest expense to average assets | 2.3764% | 2,574 |
| Loan and lease loss provision to assets | 0.1449% | 914 |
| Net operating income to assets | 2.1738% | 438 |
| Return on assets (ROA) | 2.1738% | 474 |
| Pretax return on assets | 2.1738% | 717 |
| Return on Equity (ROE) | 21.9901% | 394 |
| Retained earnings to average equity (ytd only) | 21.9901% | 207 |
| Net charge-offs to loans | 0.0517% | 988 |
| Credit loss provision to net charge-offs | 329.6296% | 725 |
| Earnings coverage of net charge-offs (x) | 52.7593% | 874 |
| Efficiency ratio | 50.6154% | 4,137 |
| Assets per employee ($millions) | 5.8527% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,761 |
| Loan loss allowance to noncurrent loans | 338.7139% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 2,473 |
| Noncurrent loans to loans | 0.3634% | 2,780 |
| Net loans and leases to total assets | 84.2629% | 141 |
| Net loans and leases to deposits | 94.5221% | 467 |
| Net loans and leases to core deposits | 105.6239% | 526 |
| Total domestic deposits to total assets | 89.1462% | 1,269 |
| Equity capital to assets | 10.1412% | 2,561 |
| Core capital (leverage) ratio | 9.9457% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5740% | 2,457 |
| Memoranda: | ||
| Average total assets | $491,490,000 | 1,726 |
| Average earning assets | $459,321,500 | 1,717 |
| Average equity | $48,585,500 | 1,799 |
| Average total loans | $417,787,000 | 1,367 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 464 |
| Cost of funding earning assets | 0.9732% | 659 |
| Net interest margin | 4.0509% | 873 |
| Noninterest income to average assets | 0.7227% | 1,778 |
| Noninterest expense to average assets | 2.5402% | 2,718 |
| Loan and lease loss provision to assets | 0.2149% | 1,828 |
| Net operating income to assets | 1.7162% | 479 |
| Return on assets (ROA) | 1.7162% | 520 |
| Pretax return on assets | 1.7162% | 829 |
| Return on Equity (ROE) | 17.7605% | 348 |
| Retained earnings to average equity (ytd only) | 6.0732% | 1,764 |
| Net charge-offs to loans | 0.0716% | 1,767 |
| Credit loss provision to net charge-offs | 354.8611% | 1,567 |
| Earnings coverage of net charge-offs (x) | 31.8889% | 1,558 |
| Efficiency ratio | 56.8117% | 3,883 |
| Assets per employee ($millions) | 5.3995% | 2,955 |
| Cash dividends to net income (ytd only)* | 65.8049% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,886 |
| Loan loss allowance to noncurrent loans | 172.0041% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 1,724 |
| Noncurrent loans to loans | 0.7038% | 1,938 |
| Net loans and leases to total assets | 83.6700% | 194 |
| Net loans and leases to deposits | 97.6107% | 476 |
| Net loans and leases to core deposits | 108.7356% | 549 |
| Total domestic deposits to total assets | 85.7180% | 2,478 |
| Equity capital to assets | 9.6293% | 3,474 |
| Core capital (leverage) ratio | 9.5810% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9033% | 2,669 |
| Memoranda: | ||
| Average total assets | $475,593,400 | 1,625 |
| Average earning assets | $440,102,400 | 1,626 |
| Average equity | $45,955,800 | 1,811 |
| Average total loans | $402,376,800 | 1,347 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1593% | 449 |
| Cost of funding earning assets | 1.0382% | 665 |
| Net interest margin | 4.1211% | 861 |
| Noninterest income to average assets | 0.7293% | 1,707 |
| Noninterest expense to average assets | 2.4874% | 2,886 |
| Loan and lease loss provision to assets | 0.1671% | 2,327 |
| Net operating income to assets | 1.8787% | 386 |
| Return on assets (ROA) | 1.8787% | 425 |
| Pretax return on assets | 1.8787% | 664 |
| Return on Equity (ROE) | 19.4253% | 264 |
| Retained earnings to average equity (ytd only) | 8.0437% | 1,293 |
| Net charge-offs to loans | 0.0719% | 1,595 |
| Credit loss provision to net charge-offs | 274.8837% | 1,843 |
| Earnings coverage of net charge-offs (x) | 33.6605% | 1,496 |
| Efficiency ratio | 54.8703% | 4,056 |
| Assets per employee ($millions) | 5.2252% | 2,987 |
| Cash dividends to net income (ytd only)* | 58.5916% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,011 |
| Loan loss allowance to noncurrent loans | 159.1295% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 1,853 |
| Noncurrent loans to loans | 0.7130% | 2,012 |
| Net loans and leases to total assets | 84.8378% | 217 |
| Net loans and leases to deposits | 99.4380% | 558 |
| Net loans and leases to core deposits | 110.3311% | 691 |
| Total domestic deposits to total assets | 85.3173% | 2,312 |
| Equity capital to assets | 9.8493% | 3,379 |
| Core capital (leverage) ratio | 9.6005% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0590% | 2,594 |
| Memoranda: | ||
| Average total assets | $471,653,500 | 1,615 |
| Average earning assets | $435,342,750 | 1,623 |
| Average equity | $45,616,250 | 1,815 |
| Average total loans | $398,932,750 | 1,346 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3513% | 443 |
| Cost of funding earning assets | 1.1168% | 675 |
| Net interest margin | 4.2346% | 849 |
| Noninterest income to average assets | 0.6197% | 2,062 |
| Noninterest expense to average assets | 2.4450% | 3,124 |
| Loan and lease loss provision to assets | 0.1528% | 2,477 |
| Net operating income to assets | 1.9090% | 400 |
| Return on assets (ROA) | 1.9090% | 443 |
| Pretax return on assets | 1.9090% | 663 |
| Return on Equity (ROE) | 19.8626% | 253 |
| Retained earnings to average equity (ytd only) | 8.8056% | 1,065 |
| Net charge-offs to loans | 0.0761% | 1,490 |
| Credit loss provision to net charge-offs | 238.6667% | 1,780 |
| Earnings coverage of net charge-offs (x) | 32.2067% | 1,377 |
| Efficiency ratio | 54.2519% | 4,151 |
| Assets per employee ($millions) | 5.8367% | 2,337 |
| Cash dividends to net income (ytd only)* | 55.6673% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 2,946 |
| Loan loss allowance to noncurrent loans | 134.7670% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 1,731 |
| Noncurrent loans to loans | 0.8297% | 1,839 |
| Net loans and leases to total assets | 81.3872% | 461 |
| Net loans and leases to deposits | 94.8576% | 886 |
| Net loans and leases to core deposits | 105.2841% | 926 |
| Total domestic deposits to total assets | 85.7993% | 2,096 |
| Equity capital to assets | 9.4973% | 3,666 |
| Core capital (leverage) ratio | 9.4007% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7952% | 2,694 |
| Memoranda: | ||
| Average total assets | $468,632,667 | 1,592 |
| Average earning assets | $430,174,333 | 1,617 |
| Average equity | $45,039,333 | 1,828 |
| Average total loans | $394,407,333 | 1,344 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2785% | 573 |
| Cost of funding earning assets | 1.2562% | 641 |
| Net interest margin | 4.0223% | 1,330 |
| Noninterest income to average assets | 0.6169% | 1,965 |
| Noninterest expense to average assets | 2.4901% | 3,298 |
| Loan and lease loss provision to assets | 0.1564% | 1,836 |
| Net operating income to assets | 1.6409% | 572 |
| Return on assets (ROA) | 1.6409% | 631 |
| Pretax return on assets | 1.6409% | 974 |
| Return on Equity (ROE) | 16.9659% | 342 |
| Retained earnings to average equity (ytd only) | 5.0591% | 2,248 |
| Net charge-offs to loans | 0.0790% | 1,234 |
| Credit loss provision to net charge-offs | 232.4675% | 1,332 |
| Earnings coverage of net charge-offs (x) | 26.7143% | 1,248 |
| Efficiency ratio | 58.0803% | 3,987 |
| Assets per employee ($millions) | 5.4949% | 2,124 |
| Cash dividends to net income (ytd only)* | 70.1810% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,126 |
| Loan loss allowance to noncurrent loans | 124.3579% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 1,659 |
| Noncurrent loans to loans | 0.8948% | 1,824 |
| Net loans and leases to total assets | 83.8367% | 279 |
| Net loans and leases to deposits | 99.0269% | 624 |
| Net loans and leases to core deposits | 110.6636% | 820 |
| Total domestic deposits to total assets | 84.6605% | 2,539 |
| Equity capital to assets | 9.5713% | 4,156 |
| Core capital (leverage) ratio | 9.6930% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9248% | 2,746 |
| Memoranda: | ||
| Average total assets | $457,806,000 | 1,577 |
| Average earning assets | $417,773,000 | 1,608 |
| Average equity | $44,277,000 | 1,835 |
| Average total loans | $389,840,000 | 1,322 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 639 |
| Cost of funding earning assets | 1.3846% | 597 |
| Net interest margin | 4.0395% | 1,710 |
| Noninterest income to average assets | 0.6692% | 1,923 |
| Noninterest expense to average assets | 2.6041% | 3,165 |
| Loan and lease loss provision to assets | 0.1874% | 1,097 |
| Net operating income to assets | 1.5934% | 849 |
| Return on assets (ROA) | 1.5934% | 902 |
| Pretax return on assets | 1.5934% | 1,504 |
| Return on Equity (ROE) | 16.3103% | 503 |
| Retained earnings to average equity (ytd only) | 6.2247% | 1,758 |
| Net charge-offs to loans | 0.1935% | 1,047 |
| Credit loss provision to net charge-offs | 112.0332% | 2,237 |
| Earnings coverage of net charge-offs (x) | 10.6445% | 2,554 |
| Efficiency ratio | 59.3879% | 3,778 |
| Assets per employee ($millions) | 5.1557% | 2,390 |
| Cash dividends to net income (ytd only)* | 61.8356% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 2,828 |
| Loan loss allowance to noncurrent loans | 116.5764% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 1,464 |
| Noncurrent loans to loans | 0.9622% | 1,590 |
| Net loans and leases to total assets | 84.5838% | 270 |
| Net loans and leases to deposits | 96.5434% | 884 |
| Net loans and leases to core deposits | 108.9795% | 915 |
| Total domestic deposits to total assets | 87.6123% | 1,308 |
| Equity capital to assets | 9.7760% | 4,128 |
| Core capital (leverage) ratio | 9.8130% | 3,719 |
| Tier 1 risk-based capital ratio | 11.7051% | 4,524 |
| Total risk-based capital ratio | 12.8626% | 4,455 |
| Memoranda: | ||
| Average total assets | $432,163,000 | 1,619 |
| Average earning assets | $397,524,200 | 1,642 |
| Average equity | $42,218,800 | 1,846 |
| Average total loans | $373,634,600 | 1,345 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4207% | 672 |
| Cost of funding earning assets | 1.3847% | 600 |
| Net interest margin | 4.0360% | 1,811 |
| Noninterest income to average assets | 0.7214% | 1,693 |
| Noninterest expense to average assets | 2.6690% | 2,951 |
| Loan and lease loss provision to assets | 0.1679% | 1,108 |
| Net operating income to assets | 1.6031% | 928 |
| Return on assets (ROA) | 1.6031% | 965 |
| Pretax return on assets | 1.6031% | 1,630 |
| Return on Equity (ROE) | 16.4131% | 547 |
| Retained earnings to average equity (ytd only) | 6.6041% | 2,057 |
| Net charge-offs to loans | 0.1495% | 1,092 |
| Credit loss provision to net charge-offs | 129.5673% | 1,829 |
| Earnings coverage of net charge-offs (x) | 13.6683% | 2,277 |
| Efficiency ratio | 60.1122% | 3,628 |
| Assets per employee ($millions) | 5.1841% | 2,362 |
| Cash dividends to net income (ytd only)* | 59.7629% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 2,873 |
| Loan loss allowance to noncurrent loans | 113.9706% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.9230% | 1,470 |
| Noncurrent loans to loans | 0.9915% | 1,614 |
| Net loans and leases to total assets | 86.1735% | 182 |
| Net loans and leases to deposits | 99.6983% | 659 |
| Net loans and leases to core deposits | 113.6056% | 776 |
| Total domestic deposits to total assets | 86.4343% | 1,803 |
| Equity capital to assets | 9.8412% | 4,169 |
| Core capital (leverage) ratio | 9.9283% | 3,712 |
| Tier 1 risk-based capital ratio | 11.6287% | 4,601 |
| Total risk-based capital ratio | 12.8032% | 4,546 |
| Memoranda: | ||
| Average total assets | $428,066,500 | 1,644 |
| Average earning assets | $394,406,000 | 1,660 |
| Average equity | $41,811,000 | 1,863 |
| Average total loans | $371,117,250 | 1,364 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3812% | 701 |
| Cost of funding earning assets | 1.3475% | 648 |
| Net interest margin | 4.0337% | 1,820 |
| Noninterest income to average assets | 0.6002% | 2,154 |
| Noninterest expense to average assets | 2.6687% | 3,004 |
| Loan and lease loss provision to assets | 0.1684% | 1,081 |
| Net operating income to assets | 1.4736% | 1,219 |
| Return on assets (ROA) | 1.4736% | 1,274 |
| Pretax return on assets | 1.4736% | 1,942 |
| Return on Equity (ROE) | 15.1261% | 733 |
| Retained earnings to average equity (ytd only) | 5.3278% | 2,609 |
| Net charge-offs to loans | 0.2176% | 768 |
| Credit loss provision to net charge-offs | 89.4737% | 2,139 |
| Earnings coverage of net charge-offs (x) | 8.7218% | 2,390 |
| Efficiency ratio | 61.9089% | 3,450 |
| Assets per employee ($millions) | 4.9563% | 2,530 |
| Cash dividends to net income (ytd only)* | 64.7775% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 2,959 |
| Loan loss allowance to noncurrent loans | 112.4428% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 1,070 |
| Noncurrent loans to loans | 0.9966% | 1,643 |
| Net loans and leases to total assets | 86.4280% | 186 |
| Net loans and leases to deposits | 99.7406% | 697 |
| Net loans and leases to core deposits | 111.5540% | 883 |
| Total domestic deposits to total assets | 86.6528% | 1,744 |
| Equity capital to assets | 9.9189% | 4,042 |
| Core capital (leverage) ratio | 9.8944% | 3,709 |
| Tier 1 risk-based capital ratio | 11.6015% | 4,635 |
| Total risk-based capital ratio | 12.7548% | 4,577 |
| Memoranda: | ||
| Average total assets | $423,873,000 | 1,663 |
| Average earning assets | $389,913,330 | 1,679 |
| Average equity | $41,293,000 | 1,882 |
| Average total loans | $366,802,670 | 1,381 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 677 |
| Cost of funding earning assets | 1.2814% | 701 |
| Net interest margin | 4.0807% | 1,606 |
| Noninterest income to average assets | 0.4893% | 2,618 |
| Noninterest expense to average assets | 2.6081% | 3,194 |
| Loan and lease loss provision to assets | 0.1684% | 993 |
| Net operating income to assets | 1.4498% | 1,234 |
| Return on assets (ROA) | 1.4498% | 1,263 |
| Pretax return on assets | 1.4498% | 1,923 |
| Return on Equity (ROE) | 15.0196% | 745 |
| Retained earnings to average equity (ytd only) | 3.6078% | 3,476 |
| Net charge-offs to loans | 0.2979% | 504 |
| Credit loss provision to net charge-offs | 65.6827% | 1,885 |
| Earnings coverage of net charge-offs (x) | 6.3100% | 2,203 |
| Efficiency ratio | 61.7107% | 3,578 |
| Assets per employee ($millions) | 4.7042% | 2,910 |
| Cash dividends to net income (ytd only)* | 75.9791% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 2,945 |
| Loan loss allowance to noncurrent loans | 159.7211% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 1,500 |
| Noncurrent loans to loans | 0.7101% | 2,253 |
| Net loans and leases to total assets | 84.9110% | 290 |
| Net loans and leases to deposits | 95.0826% | 1,055 |
| Net loans and leases to core deposits | 107.1108% | 1,095 |
| Total domestic deposits to total assets | 89.3023% | 727 |
| Equity capital to assets | 9.7229% | 4,068 |
| Core capital (leverage) ratio | 9.7945% | 3,821 |
| Tier 1 risk-based capital ratio | 11.6044% | 4,686 |
| Total risk-based capital ratio | 12.7642% | 4,628 |
| Memoranda: | ||
| Average total assets | $422,686,500 | 1,672 |
| Average earning assets | $387,089,000 | 1,700 |
| Average equity | $40,800,000 | 1,897 |
| Average total loans | $363,918,500 | 1,393 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1628% | 749 |
| Cost of funding earning assets | 1.0198% | 702 |
| Net interest margin | 4.1430% | 1,545 |
| Noninterest income to average assets | 0.6402% | 2,096 |
| Noninterest expense to average assets | 2.7320% | 2,925 |
| Loan and lease loss provision to assets | 0.2654% | 636 |
| Net operating income to assets | 1.4446% | 1,295 |
| Return on assets (ROA) | 1.4446% | 1,284 |
| Pretax return on assets | 1.4446% | 1,972 |
| Return on Equity (ROE) | 15.1159% | 802 |
| Retained earnings to average equity (ytd only) | 5.5293% | 2,466 |
| Net charge-offs to loans | 0.2415% | 809 |
| Credit loss provision to net charge-offs | 125.8701% | 2,089 |
| Earnings coverage of net charge-offs (x) | 8.1090% | 2,924 |
| Efficiency ratio | 61.5025% | 3,628 |
| Assets per employee ($millions) | 4.7415% | 2,821 |
| Cash dividends to net income (ytd only)* | 63.4208% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,782 |
| Loan loss allowance to noncurrent loans | 158.7726% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.9583% | 1,425 |
| Noncurrent loans to loans | 0.7292% | 2,165 |
| Net loans and leases to total assets | 85.3094% | 288 |
| Net loans and leases to deposits | 96.5834% | 1,019 |
| Net loans and leases to core deposits | 109.1045% | 1,050 |
| Total domestic deposits to total assets | 88.3273% | 1,148 |
| Equity capital to assets | 9.5819% | 4,061 |
| Core capital (leverage) ratio | 9.7934% | 3,809 |
| Tier 1 risk-based capital ratio | 11.6410% | 4,648 |
| Total risk-based capital ratio | 12.8413% | 4,570 |
| Memoranda: | ||
| Average total assets | $408,750,200 | 1,678 |
| Average earning assets | $375,088,600 | 1,701 |
| Average equity | $39,064,800 | 1,904 |
| Average total loans | $356,941,200 | 1,378 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0973% | 760 |
| Cost of funding earning assets | 1.0316% | 519 |
| Net interest margin | 4.0656% | 1,737 |
| Noninterest income to average assets | 0.6159% | 2,235 |
| Noninterest expense to average assets | 2.7410% | 2,836 |
| Loan and lease loss provision to assets | 0.2923% | 509 |
| Net operating income to assets | 1.3190% | 1,779 |
| Return on assets (ROA) | 1.3190% | 1,789 |
| Pretax return on assets | 1.3190% | 2,549 |
| Return on Equity (ROE) | 13.8108% | 1,170 |
| Retained earnings to average equity (ytd only) | 4.2799% | 3,630 |
| Net charge-offs to loans | 0.2981% | 556 |
| Credit loss provision to net charge-offs | 111.9647% | 2,087 |
| Earnings coverage of net charge-offs (x) | 6.1713% | 2,906 |
| Efficiency ratio | 62.9770% | 3,340 |
| Assets per employee ($millions) | 4.7817% | 2,748 |
| Cash dividends to net income (ytd only)* | 69.0101% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 2,970 |
| Loan loss allowance to noncurrent loans | 191.1641% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 1,734 |
| Noncurrent loans to loans | 0.5958% | 2,597 |
| Net loans and leases to total assets | 85.3200% | 330 |
| Net loans and leases to deposits | 95.3788% | 1,225 |
| Net loans and leases to core deposits | 106.8514% | 1,242 |
| Total domestic deposits to total assets | 89.4538% | 688 |
| Equity capital to assets | 9.4364% | 4,144 |
| Core capital (leverage) ratio | 9.5235% | 4,146 |
| Tier 1 risk-based capital ratio | 11.7763% | 4,615 |
| Total risk-based capital ratio | 12.9808% | 4,538 |
| Memoranda: | ||
| Average total assets | $405,439,750 | 1,699 |
| Average earning assets | $372,608,750 | 1,713 |
| Average equity | $38,722,250 | 1,920 |
| Average total loans | $355,122,500 | 1,383 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 894 |
| Cost of funding earning assets | 0.9560% | 567 |
| Net interest margin | 4.0054% | 1,839 |
| Noninterest income to average assets | 0.6026% | 2,311 |
| Noninterest expense to average assets | 2.7264% | 2,918 |
| Loan and lease loss provision to assets | 0.3518% | 369 |
| Net operating income to assets | 1.2187% | 2,108 |
| Return on assets (ROA) | 1.2187% | 2,105 |
| Pretax return on assets | 1.2187% | 2,877 |
| Return on Equity (ROE) | 12.7074% | 1,471 |
| Retained earnings to average equity (ytd only) | 2.4388% | 4,285 |
| Net charge-offs to loans | 0.4070% | 381 |
| Credit loss provision to net charge-offs | 98.1944% | 2,084 |
| Earnings coverage of net charge-offs (x) | 4.3833% | 2,795 |
| Efficiency ratio | 63.4511% | 3,393 |
| Assets per employee ($millions) | 4.6761% | 2,848 |
| Cash dividends to net income (ytd only)* | 80.8085% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,290 |
| Loan loss allowance to noncurrent loans | 122.0043% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 1,801 |
| Noncurrent loans to loans | 0.8980% | 1,924 |
| Net loans and leases to total assets | 87.3348% | 182 |
| Net loans and leases to deposits | 100.2304% | 793 |
| Net loans and leases to core deposits | 112.3354% | 870 |
| Total domestic deposits to total assets | 87.1340% | 1,785 |
| Equity capital to assets | 9.3811% | 4,203 |
| Core capital (leverage) ratio | 9.8982% | 3,683 |
| Tier 1 risk-based capital ratio | 11.1099% | 4,997 |
| Total risk-based capital ratio | 12.2381% | 4,956 |
| Memoranda: | ||
| Average total assets | $401,917,330 | 1,719 |
| Average earning assets | $370,702,670 | 1,727 |
| Average equity | $38,544,330 | 1,926 |
| Average total loans | $353,821,330 | 1,383 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 823 |
| Cost of funding earning assets | 0.9351% | 501 |
| Net interest margin | 3.9935% | 1,745 |
| Noninterest income to average assets | 0.6003% | 2,254 |
| Noninterest expense to average assets | 2.6853% | 3,085 |
| Loan and lease loss provision to assets | 0.1793% | 963 |
| Net operating income to assets | 1.4222% | 1,280 |
| Return on assets (ROA) | 1.4222% | 1,284 |
| Pretax return on assets | 1.4222% | 1,924 |
| Return on Equity (ROE) | 14.6644% | 864 |
| Retained earnings to average equity (ytd only) | 4.7670% | 3,271 |
| Net charge-offs to loans | 0.0241% | 2,023 |
| Credit loss provision to net charge-offs | 847.6190% | 394 |
| Earnings coverage of net charge-offs (x) | 75.7143% | 733 |
| Efficiency ratio | 62.6410% | 3,679 |
| Assets per employee ($millions) | 4.5968% | 3,003 |
| Cash dividends to net income (ytd only)* | 67.4929% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,880 |
| Loan loss allowance to noncurrent loans | 197.2909% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 2,647 |
| Noncurrent loans to loans | 0.6023% | 2,741 |
| Net loans and leases to total assets | 87.3087% | 174 |
| Net loans and leases to deposits | 101.0673% | 635 |
| Net loans and leases to core deposits | 118.9104% | 618 |
| Total domestic deposits to total assets | 86.3866% | 2,369 |
| Equity capital to assets | 9.7720% | 3,815 |
| Core capital (leverage) ratio | 9.8883% | 3,663 |
| Tier 1 risk-based capital ratio | 11.6059% | 4,802 |
| Total risk-based capital ratio | 12.8350% | 4,704 |
| Memoranda: | ||
| Average total assets | $397,127,500 | 1,751 |
| Average earning assets | $366,598,000 | 1,759 |
| Average equity | $38,515,000 | 1,939 |
| Average total loans | $349,051,500 | 1,400 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 946 |
| Cost of funding earning assets | 0.7779% | 704 |
| Net interest margin | 4.0394% | 1,628 |
| Noninterest income to average assets | 0.6561% | 2,159 |
| Noninterest expense to average assets | 2.7439% | 2,982 |
| Loan and lease loss provision to assets | 0.1822% | 1,174 |
| Net operating income to assets | 1.4157% | 981 |
| Return on assets (ROA) | 1.4162% | 1,001 |
| Pretax return on assets | 1.4162% | 1,937 |
| Return on Equity (ROE) | 15.2917% | 570 |
| Retained earnings to average equity (ytd only) | 6.1445% | 1,459 |
| Net charge-offs to loans | 0.1117% | 1,946 |
| Credit loss provision to net charge-offs | 189.4737% | 1,440 |
| Earnings coverage of net charge-offs (x) | 16.6184% | 2,165 |
| Efficiency ratio | 63.1972% | 3,736 |
| Assets per employee ($millions) | 4.6387% | 2,966 |
| Cash dividends to net income (ytd only)* | 59.8178% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,088 |
| Loan loss allowance to noncurrent loans | 229.9367% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 3,017 |
| Noncurrent loans to loans | 0.4980% | 3,032 |
| Net loans and leases to total assets | 86.4325% | 229 |
| Net loans and leases to deposits | 101.1316% | 645 |
| Net loans and leases to core deposits | 119.9860% | 580 |
| Total domestic deposits to total assets | 85.4654% | 2,670 |
| Equity capital to assets | 9.6255% | 4,116 |
| Core capital (leverage) ratio | 9.8192% | 3,675 |
| Tier 1 risk-based capital ratio | 11.4259% | 4,902 |
| Total risk-based capital ratio | 12.6040% | 4,824 |
| Memoranda: | ||
| Average total assets | $395,210,400 | 1,721 |
| Average earning assets | $360,593,800 | 1,748 |
| Average equity | $36,601,600 | 2,002 |
| Average total loans | $340,136,600 | 1,410 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7827% | 957 |
| Cost of funding earning assets | 0.7660% | 700 |
| Net interest margin | 4.0167% | 1,647 |
| Noninterest income to average assets | 0.6381% | 2,261 |
| Noninterest expense to average assets | 2.7641% | 2,847 |
| Loan and lease loss provision to assets | 0.1819% | 1,091 |
| Net operating income to assets | 1.3469% | 1,206 |
| Return on assets (ROA) | 1.3476% | 1,227 |
| Pretax return on assets | 1.3476% | 2,298 |
| Return on Equity (ROE) | 14.6967% | 703 |
| Retained earnings to average equity (ytd only) | 6.1037% | 2,171 |
| Net charge-offs to loans | 0.1416% | 1,398 |
| Credit loss provision to net charge-offs | 149.8607% | 1,697 |
| Earnings coverage of net charge-offs (x) | 12.5934% | 2,417 |
| Efficiency ratio | 64.3876% | 3,469 |
| Assets per employee ($millions) | 4.5274% | 3,091 |
| Cash dividends to net income (ytd only)* | 58.4693% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 3,350 |
| Loan loss allowance to noncurrent loans | 202.3759% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 2,998 |
| Noncurrent loans to loans | 0.5553% | 3,030 |
| Net loans and leases to total assets | 85.6175% | 282 |
| Net loans and leases to deposits | 99.1792% | 804 |
| Net loans and leases to core deposits | 115.2580% | 778 |
| Total domestic deposits to total assets | 86.3261% | 2,163 |
| Equity capital to assets | 9.6420% | 4,304 |
| Core capital (leverage) ratio | 9.7365% | 3,896 |
| Tier 1 risk-based capital ratio | 11.3810% | 5,026 |
| Total risk-based capital ratio | 12.5247% | 4,985 |
| Memoranda: | ||
| Average total assets | $394,280,500 | 1,737 |
| Average earning assets | $358,759,250 | 1,773 |
| Average equity | $36,152,250 | 2,024 |
| Average total loans | $337,971,000 | 1,426 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 1,000 |
| Cost of funding earning assets | 0.7524% | 678 |
| Net interest margin | 3.9784% | 1,680 |
| Noninterest income to average assets | 0.6764% | 2,093 |
| Noninterest expense to average assets | 2.7033% | 3,079 |
| Loan and lease loss provision to assets | 0.1810% | 1,046 |
| Net operating income to assets | 1.4036% | 1,062 |
| Return on assets (ROA) | 1.4046% | 1,081 |
| Pretax return on assets | 1.4046% | 1,999 |
| Return on Equity (ROE) | 15.5865% | 586 |
| Retained earnings to average equity (ytd only) | 7.5456% | 1,332 |
| Net charge-offs to loans | 0.1478% | 1,266 |
| Credit loss provision to net charge-offs | 143.3735% | 1,562 |
| Earnings coverage of net charge-offs (x) | 12.5502% | 2,183 |
| Efficiency ratio | 63.0440% | 3,821 |
| Assets per employee ($millions) | 4.5652% | 3,004 |
| Cash dividends to net income (ytd only)* | 51.5884% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,525 |
| Loan loss allowance to noncurrent loans | 149.8805% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 2,665 |
| Noncurrent loans to loans | 0.7410% | 2,542 |
| Net loans and leases to total assets | 84.3436% | 406 |
| Net loans and leases to deposits | 103.5976% | 518 |
| Net loans and leases to core deposits | 115.7452% | 726 |
| Total domestic deposits to total assets | 81.4147% | 4,071 |
| Equity capital to assets | 9.4825% | 4,415 |
| Core capital (leverage) ratio | 9.7457% | 3,841 |
| Tier 1 risk-based capital ratio | 11.0960% | 5,200 |
| Total risk-based capital ratio | 12.1995% | 5,178 |
| Memoranda: | ||
| Average total assets | $394,413,670 | 1,744 |
| Average earning assets | $358,035,670 | 1,775 |
| Average equity | $35,543,670 | 2,047 |
| Average total loans | $336,940,000 | 1,429 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 927 |
| Cost of funding earning assets | 0.7477% | 661 |
| Net interest margin | 3.9604% | 1,580 |
| Noninterest income to average assets | 0.7663% | 1,681 |
| Noninterest expense to average assets | 2.6970% | 3,155 |
| Loan and lease loss provision to assets | 0.1812% | 955 |
| Net operating income to assets | 1.4889% | 828 |
| Return on assets (ROA) | 1.4910% | 853 |
| Pretax return on assets | 1.4910% | 1,558 |
| Return on Equity (ROE) | 16.9931% | 413 |
| Retained earnings to average equity (ytd only) | 11.4022% | 546 |
| Net charge-offs to loans | 0.0655% | 1,676 |
| Credit loss provision to net charge-offs | 323.6364% | 752 |
| Earnings coverage of net charge-offs (x) | 29.8364% | 1,222 |
| Efficiency ratio | 61.7572% | 4,187 |
| Assets per employee ($millions) | 4.6136% | 2,990 |
| Cash dividends to net income (ytd only)* | 32.9010% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,598 |
| Loan loss allowance to noncurrent loans | 140.8277% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 2,565 |
| Noncurrent loans to loans | 0.7944% | 2,469 |
| Net loans and leases to total assets | 85.1309% | 275 |
| Net loans and leases to deposits | 103.6338% | 416 |
| Net loans and leases to core deposits | 116.4756% | 577 |
| Total domestic deposits to total assets | 82.1459% | 4,131 |
| Equity capital to assets | 8.9202% | 4,887 |
| Core capital (leverage) ratio | 9.0366% | 4,689 |
| Tier 1 risk-based capital ratio | 10.4320% | 5,572 |
| Total risk-based capital ratio | 11.5475% | 5,562 |
| Memoranda: | ||
| Average total assets | $393,033,500 | 1,761 |
| Average earning assets | $357,340,500 | 1,788 |
| Average equity | $34,484,500 | 2,113 |
| Average total loans | $336,033,500 | 1,437 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6971% | 1,066 |
| Cost of funding earning assets | 0.7347% | 682 |
| Net interest margin | 3.9624% | 1,750 |
| Noninterest income to average assets | 0.7411% | 1,991 |
| Noninterest expense to average assets | 2.8750% | 2,768 |
| Loan and lease loss provision to assets | 0.2372% | 906 |
| Net operating income to assets | 1.2908% | 1,233 |
| Return on assets (ROA) | 1.3033% | 1,275 |
| Pretax return on assets | 1.3033% | 2,272 |
| Return on Equity (ROE) | 15.4633% | 567 |
| Retained earnings to average equity (ytd only) | 3.5520% | 3,398 |
| Net charge-offs to loans | 0.2738% | 1,012 |
| Credit loss provision to net charge-offs | 99.7802% | 2,613 |
| Earnings coverage of net charge-offs (x) | 6.4275% | 3,173 |
| Efficiency ratio | 65.2961% | 3,707 |
| Assets per employee ($millions) | 4.5804% | 2,999 |
| Cash dividends to net income (ytd only)* | 77.0295% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,754 |
| Loan loss allowance to noncurrent loans | 112.1547% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.0056% | 1,884 |
| Noncurrent loans to loans | 0.9742% | 2,145 |
| Net loans and leases to total assets | 83.9758% | 384 |
| Net loans and leases to deposits | 100.0999% | 667 |
| Net loans and leases to core deposits | 117.6841% | 557 |
| Total domestic deposits to total assets | 83.8920% | 3,463 |
| Equity capital to assets | 8.6283% | 5,167 |
| Core capital (leverage) ratio | 8.8234% | 4,937 |
| Tier 1 risk-based capital ratio | 10.2340% | 5,675 |
| Total risk-based capital ratio | 11.3230% | 5,671 |
| Memoranda: | ||
| Average total assets | $382,787,600 | 1,750 |
| Average earning assets | $353,753,000 | 1,754 |
| Average equity | $32,263,400 | 2,213 |
| Average total loans | $332,395,000 | 1,407 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 1,117 |
| Cost of funding earning assets | 0.7230% | 733 |
| Net interest margin | 3.9542% | 1,800 |
| Noninterest income to average assets | 0.7508% | 1,962 |
| Noninterest expense to average assets | 2.8641% | 2,770 |
| Loan and lease loss provision to assets | 0.2463% | 775 |
| Net operating income to assets | 1.3150% | 1,246 |
| Return on assets (ROA) | 1.3319% | 1,291 |
| Pretax return on assets | 1.3319% | 2,300 |
| Return on Equity (ROE) | 15.8996% | 556 |
| Retained earnings to average equity (ytd only) | 4.2849% | 3,272 |
| Net charge-offs to loans | 0.2499% | 937 |
| Credit loss provision to net charge-offs | 112.8617% | 2,192 |
| Earnings coverage of net charge-offs (x) | 7.1544% | 2,909 |
| Efficiency ratio | 64.7189% | 3,808 |
| Assets per employee ($millions) | 4.5151% | 3,061 |
| Cash dividends to net income (ytd only)* | 73.0505% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 3,699 |
| Loan loss allowance to noncurrent loans | 110.2065% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.0876% | 1,882 |
| Noncurrent loans to loans | 1.0210% | 2,201 |
| Net loans and leases to total assets | 85.5394% | 282 |
| Net loans and leases to deposits | 102.4815% | 538 |
| Net loans and leases to core deposits | 118.4893% | 559 |
| Total domestic deposits to total assets | 83.4681% | 3,408 |
| Equity capital to assets | 8.4455% | 5,559 |
| Core capital (leverage) ratio | 8.3549% | 5,463 |
| Tier 1 risk-based capital ratio | 9.7647% | 5,842 |
| Total risk-based capital ratio | 10.8970% | 5,843 |
| Memoranda: | ||
| Average total assets | $380,006,750 | 1,766 |
| Average earning assets | $353,135,500 | 1,759 |
| Average equity | $31,832,250 | 2,254 |
| Average total loans | $331,882,750 | 1,408 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,008 |
| Cost of funding earning assets | 0.7085% | 768 |
| Net interest margin | 4.0125% | 1,606 |
| Noninterest income to average assets | 0.7292% | 2,009 |
| Noninterest expense to average assets | 2.8816% | 2,736 |
| Loan and lease loss provision to assets | 0.2624% | 713 |
| Net operating income to assets | 1.3170% | 1,231 |
| Return on assets (ROA) | 1.3423% | 1,254 |
| Pretax return on assets | 1.3428% | 2,235 |
| Return on Equity (ROE) | 16.0688% | 537 |
| Retained earnings to average equity (ytd only) | 4.9053% | 2,792 |
| Net charge-offs to loans | 0.3140% | 753 |
| Credit loss provision to net charge-offs | 95.3935% | 2,176 |
| Earnings coverage of net charge-offs (x) | 5.7428% | 2,825 |
| Efficiency ratio | 64.5875% | 3,916 |
| Assets per employee ($millions) | 4.4348% | 3,149 |
| Cash dividends to net income (ytd only)* | 69.4729% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 3,966 |
| Loan loss allowance to noncurrent loans | 243.9221% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 3,194 |
| Noncurrent loans to loans | 0.4493% | 3,758 |
| Net loans and leases to total assets | 85.9397% | 258 |
| Net loans and leases to deposits | 103.8726% | 466 |
| Net loans and leases to core deposits | 121.5586% | 473 |
| Total domestic deposits to total assets | 82.7356% | 3,749 |
| Equity capital to assets | 8.4202% | 5,642 |
| Core capital (leverage) ratio | 8.3672% | 5,475 |
| Tier 1 risk-based capital ratio | 9.8056% | 5,896 |
| Total risk-based capital ratio | 10.9196% | 5,891 |
| Memoranda: | ||
| Average total assets | $378,749,000 | 1,768 |
| Average earning assets | $352,300,330 | 1,763 |
| Average equity | $31,639,000 | 2,263 |
| Average total loans | $331,837,330 | 1,406 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 958 |
| Cost of funding earning assets | 0.6919% | 840 |
| Net interest margin | 4.0546% | 1,462 |
| Noninterest income to average assets | 0.7175% | 1,952 |
| Noninterest expense to average assets | 2.8562% | 2,859 |
| Loan and lease loss provision to assets | 0.3688% | 395 |
| Net operating income to assets | 1.2686% | 1,342 |
| Return on assets (ROA) | 1.2686% | 1,439 |
| Pretax return on assets | 1.2686% | 2,425 |
| Return on Equity (ROE) | 15.2477% | 630 |
| Retained earnings to average equity (ytd only) | 3.6431% | 3,671 |
| Net charge-offs to loans | 0.4481% | 507 |
| Credit loss provision to net charge-offs | 93.5484% | 1,735 |
| Earnings coverage of net charge-offs (x) | 4.1532% | 2,460 |
| Efficiency ratio | 63.5613% | 4,199 |
| Assets per employee ($millions) | 4.5207% | 3,030 |
| Cash dividends to net income (ytd only)* | 76.1069% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 4,170 |
| Loan loss allowance to noncurrent loans | 135.8773% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 2,432 |
| Noncurrent loans to loans | 0.7946% | 2,849 |
| Net loans and leases to total assets | 87.6279% | 138 |
| Net loans and leases to deposits | 104.7552% | 378 |
| Net loans and leases to core deposits | 122.6549% | 398 |
| Total domestic deposits to total assets | 83.6502% | 3,659 |
| Equity capital to assets | 8.3299% | 5,677 |
| Core capital (leverage) ratio | 8.3463% | 5,520 |
| Tier 1 risk-based capital ratio | 9.5248% | 6,003 |
| Total risk-based capital ratio | 10.6238% | 6,011 |
| Memoranda: | ||
| Average total assets | $377,427,500 | 1,776 |
| Average earning assets | $351,502,000 | 1,770 |
| Average equity | $31,401,500 | 2,280 |
| Average total loans | $332,056,500 | 1,395 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 821 |
| Cost of funding earning assets | 0.6855% | 884 |
| Net interest margin | 4.1868% | 1,194 |
| Noninterest income to average assets | 0.7110% | 2,152 |
| Noninterest expense to average assets | 2.8488% | 3,037 |
| Loan and lease loss provision to assets | 0.2258% | 900 |
| Net operating income to assets | 1.5291% | 812 |
| Return on assets (ROA) | 1.5291% | 845 |
| Pretax return on assets | 1.5303% | 1,461 |
| Return on Equity (ROE) | 17.6922% | 403 |
| Retained earnings to average equity (ytd only) | 5.3530% | 2,172 |
| Net charge-offs to loans | 0.2147% | 1,372 |
| Credit loss provision to net charge-offs | 120.4268% | 2,140 |
| Earnings coverage of net charge-offs (x) | 9.3674% | 2,826 |
| Efficiency ratio | 61.8655% | 4,632 |
| Assets per employee ($millions) | 4.4656% | 3,101 |
| Cash dividends to net income (ytd only)* | 69.7440% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 3,959 |
| Loan loss allowance to noncurrent loans | 117.0294% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 2,115 |
| Noncurrent loans to loans | 0.9532% | 2,428 |
| Net loans and leases to total assets | 86.3913% | 201 |
| Net loans and leases to deposits | 108.8972% | 273 |
| Net loans and leases to core deposits | 123.9272% | 379 |
| Total domestic deposits to total assets | 79.3329% | 4,898 |
| Equity capital to assets | 8.3097% | 5,698 |
| Core capital (leverage) ratio | 8.6485% | 5,281 |
| Tier 1 risk-based capital ratio | 9.6346% | 6,027 |
| Total risk-based capital ratio | 10.7638% | 6,028 |
| Memoranda: | ||
| Average total assets | $349,939,200 | 1,869 |
| Average earning assets | $325,450,800 | 1,864 |
| Average equity | $30,245,000 | 2,306 |
| Average total loans | $305,592,600 | 1,451 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9091% | 753 |
| Cost of funding earning assets | 0.6947% | 860 |
| Net interest margin | 4.2143% | 1,138 |
| Noninterest income to average assets | 0.7112% | 2,180 |
| Noninterest expense to average assets | 2.9611% | 2,630 |
| Loan and lease loss provision to assets | 0.2336% | 774 |
| Net operating income to assets | 1.4367% | 1,032 |
| Return on assets (ROA) | 1.4367% | 1,077 |
| Pretax return on assets | 1.4375% | 1,874 |
| Return on Equity (ROE) | 16.4500% | 538 |
| Retained earnings to average equity (ytd only) | 4.0248% | 3,602 |
| Net charge-offs to loans | 0.2377% | 1,107 |
| Credit loss provision to net charge-offs | 112.5234% | 2,079 |
| Earnings coverage of net charge-offs (x) | 8.0504% | 2,847 |
| Efficiency ratio | 63.9250% | 4,263 |
| Assets per employee ($millions) | 4.1028% | 3,695 |
| Cash dividends to net income (ytd only)* | 75.5333% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,994 |
| Loan loss allowance to noncurrent loans | 161.1585% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 2,791 |
| Noncurrent loans to loans | 0.7080% | 3,208 |
| Net loans and leases to total assets | 87.1119% | 176 |
| Net loans and leases to deposits | 104.5205% | 428 |
| Net loans and leases to core deposits | 121.7472% | 428 |
| Total domestic deposits to total assets | 83.3444% | 3,682 |
| Equity capital to assets | 8.5790% | 5,654 |
| Core capital (leverage) ratio | 8.5614% | 5,506 |
| Tier 1 risk-based capital ratio | 9.8090% | 6,080 |
| Total risk-based capital ratio | 10.9639% | 6,075 |
| Memoranda: | ||
| Average total assets | $343,645,500 | 1,913 |
| Average earning assets | $319,727,750 | 1,906 |
| Average equity | $30,013,500 | 2,331 |
| Average total loans | $300,060,250 | 1,476 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 744 |
| Cost of funding earning assets | 0.6940% | 869 |
| Net interest margin | 4.1989% | 1,111 |
| Noninterest income to average assets | 0.7081% | 2,181 |
| Noninterest expense to average assets | 2.9521% | 2,712 |
| Loan and lease loss provision to assets | 0.2223% | 850 |
| Net operating income to assets | 1.4392% | 1,013 |
| Return on assets (ROA) | 1.4392% | 1,055 |
| Pretax return on assets | 1.4398% | 1,836 |
| Return on Equity (ROE) | 16.3767% | 564 |
| Retained earnings to average equity (ytd only) | 3.6967% | 3,673 |
| Net charge-offs to loans | 0.2147% | 1,186 |
| Credit loss provision to net charge-offs | 118.9274% | 1,821 |
| Earnings coverage of net charge-offs (x) | 8.8927% | 2,519 |
| Efficiency ratio | 63.9790% | 4,364 |
| Assets per employee ($millions) | 4.1331% | 3,606 |
| Cash dividends to net income (ytd only)* | 77.4273% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 4,082 |
| Loan loss allowance to noncurrent loans | 110.2493% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9267% | 2,680 |
| Noncurrent loans to loans | 1.0429% | 2,561 |
| Net loans and leases to total assets | 86.6343% | 205 |
| Net loans and leases to deposits | 107.1554% | 331 |
| Net loans and leases to core deposits | 120.7353% | 449 |
| Total domestic deposits to total assets | 80.8492% | 4,652 |
| Equity capital to assets | 8.4601% | 5,717 |
| Core capital (leverage) ratio | 8.7164% | 5,300 |
| Tier 1 risk-based capital ratio | 9.6905% | 6,163 |
| Total risk-based capital ratio | 10.8427% | 6,158 |
| Memoranda: | ||
| Average total assets | $339,213,000 | 1,958 |
| Average earning assets | $315,555,670 | 1,947 |
| Average equity | $29,810,670 | 2,352 |
| Average total loans | $295,237,330 | 1,501 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 730 |
| Cost of funding earning assets | 0.6977% | 860 |
| Net interest margin | 4.1835% | 1,103 |
| Noninterest income to average assets | 0.7128% | 2,112 |
| Noninterest expense to average assets | 2.9635% | 2,694 |
| Loan and lease loss provision to assets | 0.2018% | 916 |
| Net operating income to assets | 1.4376% | 967 |
| Return on assets (ROA) | 1.4376% | 1,022 |
| Pretax return on assets | 1.4376% | 1,751 |
| Return on Equity (ROE) | 16.0375% | 567 |
| Retained earnings to average equity (ytd only) | 2.3854% | 4,500 |
| Net charge-offs to loans | 0.3218% | 748 |
| Credit loss provision to net charge-offs | 72.2944% | 1,898 |
| Earnings coverage of net charge-offs (x) | 5.8745% | 2,348 |
| Efficiency ratio | 64.3832% | 4,421 |
| Assets per employee ($millions) | 4.1394% | 3,679 |
| Cash dividends to net income (ytd only)* | 85.1261% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 4,034 |
| Loan loss allowance to noncurrent loans | 109.2230% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9630% | 2,697 |
| Noncurrent loans to loans | 1.0896% | 2,583 |
| Net loans and leases to total assets | 85.6269% | 213 |
| Net loans and leases to deposits | 104.0206% | 368 |
| Net loans and leases to core deposits | 116.6318% | 502 |
| Total domestic deposits to total assets | 82.3173% | 4,408 |
| Equity capital to assets | 8.9393% | 5,364 |
| Core capital (leverage) ratio | 9.0040% | 4,945 |
| Tier 1 risk-based capital ratio | 10.1804% | 6,118 |
| Total risk-based capital ratio | 10.1804% | 6,317 |
| Memoranda: | ||
| Average total assets | $331,096,000 | 2,016 |
| Average earning assets | $307,879,500 | 2,001 |
| Average equity | $29,680,500 | 2,375 |
| Average total loans | $287,095,500 | 1,528 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0071% | 759 |
| Cost of funding earning assets | 0.7040% | 1,083 |
| Net interest margin | 4.3031% | 1,055 |
| Noninterest income to average assets | 0.7828% | 1,940 |
| Noninterest expense to average assets | 2.8756% | 3,220 |
| Loan and lease loss provision to assets | 0.3912% | 464 |
| Net operating income to assets | 1.5087% | 859 |
| Return on assets (ROA) | 1.5347% | 852 |
| Pretax return on assets | 1.5370% | 1,419 |
| Return on Equity (ROE) | 17.7871% | 418 |
| Retained earnings to average equity (ytd only) | 3.1809% | 3,972 |
| Net charge-offs to loans | 0.1218% | 2,812 |
| Credit loss provision to net charge-offs | 382.9193% | 683 |
| Earnings coverage of net charge-offs (x) | 18.6180% | 1,833 |
| Efficiency ratio | 60.1873% | 5,197 |
| Assets per employee ($millions) | 4.0358% | 3,869 |
| Cash dividends to net income (ytd only)* | 82.1170% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 3,759 |
| Loan loss allowance to noncurrent loans | 105.6072% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 2,513 |
| Noncurrent loans to loans | 1.1758% | 2,485 |
| Net loans and leases to total assets | 85.6870% | 228 |
| Net loans and leases to deposits | 103.0529% | 474 |
| Net loans and leases to core deposits | 115.6548% | 537 |
| Total domestic deposits to total assets | 83.1486% | 4,021 |
| Equity capital to assets | 8.9900% | 5,304 |
| Core capital (leverage) ratio | 9.0165% | 4,975 |
| Tier 1 risk-based capital ratio | 10.9454% | 5,928 |
| Total risk-based capital ratio | 12.1962% | 5,858 |
| Memoranda: | ||
| Average total assets | $315,168,800 | 2,062 |
| Average earning assets | $292,606,000 | 2,053 |
| Average equity | $27,193,800 | 2,473 |
| Average total loans | $264,298,200 | 1,605 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0058% | 762 |
| Cost of funding earning assets | 0.7053% | 1,128 |
| Net interest margin | 4.3005% | 1,049 |
| Noninterest income to average assets | 0.8066% | 1,869 |
| Noninterest expense to average assets | 2.8576% | 3,265 |
| Loan and lease loss provision to assets | 0.4010% | 424 |
| Net operating income to assets | 1.5351% | 872 |
| Return on assets (ROA) | 1.5701% | 840 |
| Pretax return on assets | 1.5718% | 1,419 |
| Return on Equity (ROE) | 18.3993% | 405 |
| Retained earnings to average equity (ytd only) | 3.6879% | 4,015 |
| Net charge-offs to loans | 0.0976% | 2,830 |
| Credit loss provision to net charge-offs | 494.2105% | 583 |
| Earnings coverage of net charge-offs (x) | 23.8839% | 1,564 |
| Efficiency ratio | 59.5904% | 5,245 |
| Assets per employee ($millions) | 4.2052% | 3,475 |
| Cash dividends to net income (ytd only)* | 79.9565% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 4,072 |
| Loan loss allowance to noncurrent loans | 116.1826% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 2,862 |
| Noncurrent loans to loans | 1.0583% | 2,959 |
| Net loans and leases to total assets | 84.4509% | 309 |
| Net loans and leases to deposits | 101.0453% | 557 |
| Net loans and leases to core deposits | 111.8390% | 666 |
| Total domestic deposits to total assets | 83.5773% | 3,925 |
| Equity capital to assets | 8.4529% | 5,830 |
| Core capital (leverage) ratio | 8.5795% | 5,569 |
| Tier 1 risk-based capital ratio | 10.4106% | 6,234 |
| Total risk-based capital ratio | 11.6611% | 6,192 |
| Memoranda: | ||
| Average total assets | $312,236,500 | 2,093 |
| Average earning assets | $289,605,750 | 2,087 |
| Average equity | $26,645,250 | 2,524 |
| Average total loans | $259,465,000 | 1,640 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9991% | 751 |
| Cost of funding earning assets | 0.7050% | 1,172 |
| Net interest margin | 4.2941% | 1,037 |
| Noninterest income to average assets | 0.7864% | 1,893 |
| Noninterest expense to average assets | 2.7910% | 3,543 |
| Loan and lease loss provision to assets | 0.5062% | 292 |
| Net operating income to assets | 1.4675% | 933 |
| Return on assets (ROA) | 1.5191% | 875 |
| Pretax return on assets | 1.5204% | 1,479 |
| Return on Equity (ROE) | 17.7438% | 484 |
| Retained earnings to average equity (ytd only) | 3.5819% | 3,913 |
| Net charge-offs to loans | 0.1091% | 2,577 |
| Credit loss provision to net charge-offs | 564.0288% | 536 |
| Earnings coverage of net charge-offs (x) | 22.0072% | 1,522 |
| Efficiency ratio | 58.5614% | 5,484 |
| Assets per employee ($millions) | 3.9382% | 3,978 |
| Cash dividends to net income (ytd only)* | 79.8130% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 4,139 |
| Loan loss allowance to noncurrent loans | 114.4866% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0649% | 2,941 |
| Noncurrent loans to loans | 1.0950% | 3,041 |
| Net loans and leases to total assets | 82.4325% | 426 |
| Net loans and leases to deposits | 97.0304% | 736 |
| Net loans and leases to core deposits | 105.6960% | 912 |
| Total domestic deposits to total assets | 84.9553% | 3,532 |
| Equity capital to assets | 8.6050% | 5,711 |
| Core capital (leverage) ratio | 8.6135% | 5,518 |
| Tier 1 risk-based capital ratio | 10.7258% | 6,160 |
| Total risk-based capital ratio | 11.9762% | 6,115 |
| Memoranda: | ||
| Average total assets | $309,783,670 | 2,106 |
| Average earning assets | $287,090,000 | 2,092 |
| Average equity | $26,522,000 | 2,523 |
| Average total loans | $254,866,330 | 1,662 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 847 |
| Cost of funding earning assets | 0.6998% | 1,250 |
| Net interest margin | 4.2167% | 1,168 |
| Noninterest income to average assets | 0.7441% | 1,969 |
| Noninterest expense to average assets | 2.7744% | 3,658 |
| Loan and lease loss provision to assets | 0.2213% | 1,025 |
| Net operating income to assets | 1.6628% | 602 |
| Return on assets (ROA) | 1.6628% | 629 |
| Pretax return on assets | 1.6628% | 1,043 |
| Return on Equity (ROE) | 19.4719% | 332 |
| Retained earnings to average equity (ytd only) | 5.8340% | 2,632 |
| Net charge-offs to loans | 0.1109% | 2,073 |
| Credit loss provision to net charge-offs | 244.2857% | 918 |
| Earnings coverage of net charge-offs (x) | 20.8000% | 1,320 |
| Efficiency ratio | 59.5556% | 5,462 |
| Assets per employee ($millions) | 4.5093% | 2,959 |
| Cash dividends to net income (ytd only)* | 70.0389% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 5,213 |
| Loan loss allowance to noncurrent loans | 84.6706% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.1872% | 2,885 |
| Noncurrent loans to loans | 1.2740% | 2,903 |
| Net loans and leases to total assets | 79.9346% | 558 |
| Net loans and leases to deposits | 93.8946% | 804 |
| Net loans and leases to core deposits | 101.6184% | 1,008 |
| Total domestic deposits to total assets | 85.1322% | 3,807 |
| Equity capital to assets | 8.5524% | 5,597 |
| Core capital (leverage) ratio | 8.6904% | 5,394 |
| Tier 1 risk-based capital ratio | 11.0238% | 6,144 |
| Total risk-based capital ratio | 12.1446% | 6,149 |
| Memoranda: | ||
| Average total assets | $309,115,500 | 2,118 |
| Average earning assets | $286,957,000 | 2,098 |
| Average equity | $26,397,000 | 2,521 |
| Average total loans | $252,439,500 | 1,681 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 785 |
| Cost of funding earning assets | 0.7593% | 1,446 |
| Net interest margin | 4.3244% | 1,047 |
| Noninterest income to average assets | 0.7729% | 2,196 |
| Noninterest expense to average assets | 2.8279% | 3,626 |
| Loan and lease loss provision to assets | 0.3695% | 845 |
| Net operating income to assets | 1.6110% | 673 |
| Return on assets (ROA) | 1.6110% | 697 |
| Pretax return on assets | 1.6110% | 1,142 |
| Return on Equity (ROE) | 17.9503% | 412 |
| Retained earnings to average equity (ytd only) | 2.9327% | 4,158 |
| Net charge-offs to loans | 0.3411% | 1,974 |
| Credit loss provision to net charge-offs | 133.1281% | 1,769 |
| Earnings coverage of net charge-offs (x) | 7.1355% | 2,909 |
| Efficiency ratio | 58.8114% | 5,631 |
| Assets per employee ($millions) | 4.2067% | 3,433 |
| Cash dividends to net income (ytd only)* | 83.6622% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 5,417 |
| Loan loss allowance to noncurrent loans | 93.0838% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 3,276 |
| Noncurrent loans to loans | 1.1067% | 3,323 |
| Net loans and leases to total assets | 81.6851% | 439 |
| Net loans and leases to deposits | 96.4140% | 702 |
| Net loans and leases to core deposits | 106.0467% | 795 |
| Total domestic deposits to total assets | 84.7233% | 3,882 |
| Equity capital to assets | 8.5265% | 5,554 |
| Core capital (leverage) ratio | 8.7962% | 5,285 |
| Tier 1 risk-based capital ratio | 10.8815% | 6,230 |
| Total risk-based capital ratio | 11.9623% | 6,247 |
| Memoranda: | ||
| Average total assets | $292,553,200 | 2,195 |
| Average earning assets | $273,010,600 | 2,157 |
| Average equity | $26,255,800 | 2,523 |
| Average total loans | $238,027,800 | 1,744 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0780% | 802 |
| Cost of funding earning assets | 0.7737% | 1,465 |
| Net interest margin | 4.3043% | 1,085 |
| Noninterest income to average assets | 0.8164% | 2,070 |
| Noninterest expense to average assets | 2.8690% | 3,413 |
| Loan and lease loss provision to assets | 0.4093% | 726 |
| Net operating income to assets | 1.5584% | 814 |
| Return on assets (ROA) | 1.5584% | 860 |
| Pretax return on assets | 1.5584% | 1,449 |
| Return on Equity (ROE) | 17.1371% | 525 |
| Retained earnings to average equity (ytd only) | 2.2328% | 4,980 |
| Net charge-offs to loans | 0.3758% | 1,698 |
| Credit loss provision to net charge-offs | 134.3939% | 1,753 |
| Earnings coverage of net charge-offs (x) | 6.4606% | 2,970 |
| Efficiency ratio | 59.3169% | 5,522 |
| Assets per employee ($millions) | 4.0762% | 3,684 |
| Cash dividends to net income (ytd only)* | 86.9707% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 5,483 |
| Loan loss allowance to noncurrent loans | 88.1304% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 2,848 |
| Noncurrent loans to loans | 1.2036% | 3,414 |
| Net loans and leases to total assets | 81.6451% | 392 |
| Net loans and leases to deposits | 95.0514% | 759 |
| Net loans and leases to core deposits | 105.0795% | 815 |
| Total domestic deposits to total assets | 85.8957% | 3,318 |
| Equity capital to assets | 8.8560% | 5,352 |
| Core capital (leverage) ratio | 8.9182% | 5,238 |
| Tier 1 risk-based capital ratio | 11.2303% | 6,177 |
| Total risk-based capital ratio | 12.3417% | 6,205 |
| Memoranda: | ||
| Average total assets | $288,919,250 | 2,226 |
| Average earning assets | $269,861,500 | 2,189 |
| Average equity | $26,273,750 | 2,557 |
| Average total loans | $234,170,500 | 1,760 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 799 |
| Cost of funding earning assets | 0.7786% | 1,535 |
| Net interest margin | 4.3030% | 1,027 |
| Noninterest income to average assets | 0.8880% | 1,859 |
| Noninterest expense to average assets | 2.8525% | 3,501 |
| Loan and lease loss provision to assets | 0.2763% | 1,333 |
| Net operating income to assets | 1.7822% | 540 |
| Return on assets (ROA) | 1.7822% | 577 |
| Pretax return on assets | 1.7822% | 965 |
| Return on Equity (ROE) | 19.4251% | 352 |
| Retained earnings to average equity (ytd only) | 5.8252% | 2,536 |
| Net charge-offs to loans | 0.0441% | 4,066 |
| Credit loss provision to net charge-offs | 778.4314% | 388 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 720 |
| Efficiency ratio | 58.0842% | 5,724 |
| Assets per employee ($millions) | 4.1002% | 3,581 |
| Cash dividends to net income (ytd only)* | 70.0117% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 5,295 |
| Loan loss allowance to noncurrent loans | 77.3748% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.9090% | 2,271 |
| Noncurrent loans to loans | 1.4680% | 3,106 |
| Net loans and leases to total assets | 81.5177% | 390 |
| Net loans and leases to deposits | 95.6447% | 698 |
| Net loans and leases to core deposits | 106.1426% | 734 |
| Total domestic deposits to total assets | 85.2297% | 3,779 |
| Equity capital to assets | 9.1487% | 5,046 |
| Core capital (leverage) ratio | 9.0746% | 4,870 |
| Tier 1 risk-based capital ratio | 11.6650% | 6,019 |
| Total risk-based capital ratio | 12.8578% | 6,004 |
| Memoranda: | ||
| Average total assets | $287,397,330 | 2,239 |
| Average earning assets | $268,699,000 | 2,199 |
| Average equity | $26,368,000 | 2,550 |
| Average total loans | $231,499,000 | 1,779 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0560% | 812 |
| Cost of funding earning assets | 0.7786% | 1,649 |
| Net interest margin | 4.2773% | 1,010 |
| Noninterest income to average assets | 0.9861% | 1,500 |
| Noninterest expense to average assets | 2.9765% | 3,066 |
| Loan and lease loss provision to assets | 0.2837% | 1,242 |
| Net operating income to assets | 1.7066% | 576 |
| Return on assets (ROA) | 1.7066% | 637 |
| Pretax return on assets | 1.7066% | 1,058 |
| Return on Equity (ROE) | 18.5747% | 395 |
| Retained earnings to average equity (ytd only) | 5.1924% | 3,117 |
| Net charge-offs to loans | 0.0507% | 3,322 |
| Credit loss provision to net charge-offs | 703.4483% | 399 |
| Earnings coverage of net charge-offs (x) | 49.3448% | 678 |
| Efficiency ratio | 59.9272% | 5,596 |
| Assets per employee ($millions) | 4.1447% | 3,640 |
| Cash dividends to net income (ytd only)* | 72.0456% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 5,607 |
| Loan loss allowance to noncurrent loans | 83.2341% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.7900% | 2,617 |
| Noncurrent loans to loans | 1.3212% | 3,580 |
| Net loans and leases to total assets | 79.1514% | 508 |
| Net loans and leases to deposits | 92.4587% | 764 |
| Net loans and leases to core deposits | 102.2066% | 814 |
| Total domestic deposits to total assets | 85.6073% | 3,733 |
| Equity capital to assets | 9.2858% | 5,150 |
| Core capital (leverage) ratio | 8.9899% | 4,902 |
| Tier 1 risk-based capital ratio | 11.8459% | 5,999 |
| Total risk-based capital ratio | 12.9988% | 6,039 |
| Memoranda: | ||
| Average total assets | $287,588,500 | 2,268 |
| Average earning assets | $267,644,500 | 2,231 |
| Average equity | $26,423,000 | 2,572 |
| Average total loans | $228,920,500 | 1,808 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2010% | 1,112 |
| Cost of funding earning assets | 0.9375% | 1,721 |
| Net interest margin | 4.2635% | 1,482 |
| Noninterest income to average assets | 0.7664% | 2,412 |
| Noninterest expense to average assets | 2.8747% | 3,740 |
| Loan and lease loss provision to assets | 0.2904% | 2,348 |
| Net operating income to assets | 1.5782% | 787 |
| Return on assets (ROA) | 1.6205% | 805 |
| Pretax return on assets | 1.6205% | 1,330 |
| Return on Equity (ROE) | 18.2511% | 425 |
| Retained earnings to average equity (ytd only) | 7.7087% | 1,231 |
| Net charge-offs to loans | 0.7003% | 1,691 |
| Credit loss provision to net charge-offs | 53.3076% | 4,612 |
| Earnings coverage of net charge-offs (x) | 3.4297% | 3,729 |
| Efficiency ratio | 60.6049% | 5,450 |
| Assets per employee ($millions) | 4.1313% | 3,685 |
| Cash dividends to net income (ytd only)* | 57.7629% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 5,885 |
| Loan loss allowance to noncurrent loans | 69.3926% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.9212% | 2,545 |
| Noncurrent loans to loans | 1.4740% | 3,384 |
| Net loans and leases to total assets | 78.3635% | 632 |
| Net loans and leases to deposits | 91.7379% | 935 |
| Net loans and leases to core deposits | 102.5156% | 862 |
| Total domestic deposits to total assets | 85.4211% | 3,650 |
| Equity capital to assets | 9.0908% | 5,415 |
| Core capital (leverage) ratio | 8.9655% | 4,955 |
| Tier 1 risk-based capital ratio | 11.6876% | 5,962 |
| Total risk-based capital ratio | 12.7603% | 6,066 |
| Memoranda: | ||
| Average total assets | $285,767,200 | 2,232 |
| Average earning assets | $266,566,600 | 2,181 |
| Average equity | $25,373,800 | 2,621 |
| Average total loans | $222,325,800 | 1,820 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 1,150 |
| Cost of funding earning assets | 0.9585% | 1,797 |
| Net interest margin | 4.2628% | 1,569 |
| Noninterest income to average assets | 0.8681% | 1,951 |
| Noninterest expense to average assets | 2.9791% | 3,309 |
| Loan and lease loss provision to assets | 0.3051% | 2,166 |
| Net operating income to assets | 1.5654% | 924 |
| Return on assets (ROA) | 1.6220% | 890 |
| Pretax return on assets | 1.6220% | 1,503 |
| Return on Equity (ROE) | 18.3785% | 462 |
| Retained earnings to average equity (ytd only) | 7.7045% | 1,751 |
| Net charge-offs to loans | 0.8151% | 1,343 |
| Credit loss provision to net charge-offs | 48.3321% | 4,440 |
| Earnings coverage of net charge-offs (x) | 2.9629% | 3,838 |
| Efficiency ratio | 61.4301% | 5,239 |
| Assets per employee ($millions) | 4.0759% | 3,727 |
| Cash dividends to net income (ytd only)* | 58.0784% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 5,875 |
| Loan loss allowance to noncurrent loans | 61.1340% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.2433% | 2,376 |
| Noncurrent loans to loans | 1.7238% | 3,204 |
| Net loans and leases to total assets | 79.1884% | 580 |
| Net loans and leases to deposits | 93.3414% | 841 |
| Net loans and leases to core deposits | 106.0949% | 735 |
| Total domestic deposits to total assets | 84.8373% | 3,821 |
| Equity capital to assets | 9.2420% | 5,548 |
| Core capital (leverage) ratio | 8.7934% | 5,358 |
| Tier 1 risk-based capital ratio | 11.6657% | 6,137 |
| Total risk-based capital ratio | 12.7720% | 6,184 |
| Memoranda: | ||
| Average total assets | $284,911,000 | 2,261 |
| Average earning assets | $266,106,750 | 2,218 |
| Average equity | $25,144,750 | 2,669 |
| Average total loans | $220,666,500 | 1,847 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 1,226 |
| Cost of funding earning assets | 0.9743% | 1,913 |
| Net interest margin | 4.2335% | 1,657 |
| Noninterest income to average assets | 0.8492% | 1,968 |
| Noninterest expense to average assets | 2.9755% | 3,351 |
| Loan and lease loss provision to assets | 0.3229% | 2,040 |
| Net operating income to assets | 1.5021% | 986 |
| Return on assets (ROA) | 1.5867% | 958 |
| Pretax return on assets | 1.5867% | 1,582 |
| Return on Equity (ROE) | 18.2606% | 478 |
| Retained earnings to average equity (ytd only) | 7.4571% | 1,895 |
| Net charge-offs to loans | 1.0028% | 1,106 |
| Credit loss provision to net charge-offs | 42.0382% | 4,218 |
| Earnings coverage of net charge-offs (x) | 2.3758% | 3,813 |
| Efficiency ratio | 61.9831% | 5,250 |
| Assets per employee ($millions) | 3.9342% | 4,010 |
| Cash dividends to net income (ytd only)* | 59.1630% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,764 |
| Loan loss allowance to noncurrent loans | 68.0280% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 2.1598% | 2,599 |
| Noncurrent loans to loans | 1.6202% | 3,478 |
| Net loans and leases to total assets | 77.0392% | 840 |
| Net loans and leases to deposits | 91.4993% | 1,002 |
| Net loans and leases to core deposits | 103.7324% | 879 |
| Total domestic deposits to total assets | 84.1964% | 4,234 |
| Equity capital to assets | 8.9316% | 5,774 |
| Core capital (leverage) ratio | 8.5356% | 5,601 |
| Tier 1 risk-based capital ratio | 11.5602% | 6,183 |
| Total risk-based capital ratio | 12.7082% | 6,218 |
| Memoranda: | ||
| Average total assets | $286,135,670 | 2,261 |
| Average earning assets | $267,062,330 | 2,210 |
| Average equity | $24,862,330 | 2,687 |
| Average total loans | $219,195,670 | 1,861 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 1,239 |
| Cost of funding earning assets | 1.0004% | 1,985 |
| Net interest margin | 4.2357% | 1,652 |
| Noninterest income to average assets | 0.8624% | 1,899 |
| Noninterest expense to average assets | 2.9363% | 3,485 |
| Loan and lease loss provision to assets | 0.2963% | 2,105 |
| Net operating income to assets | 1.5815% | 889 |
| Return on assets (ROA) | 1.5815% | 996 |
| Pretax return on assets | 1.5815% | 1,629 |
| Return on Equity (ROE) | 18.4552% | 497 |
| Retained earnings to average equity (ytd only) | 6.7685% | 2,540 |
| Net charge-offs to loans | 1.1077% | 929 |
| Credit loss provision to net charge-offs | 35.2066% | 3,531 |
| Earnings coverage of net charge-offs (x) | 2.2314% | 3,272 |
| Efficiency ratio | 60.9939% | 5,455 |
| Assets per employee ($millions) | 3.9582% | 4,101 |
| Cash dividends to net income (ytd only)* | 63.3245% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 5,336 |
| Loan loss allowance to noncurrent loans | 44.7509% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 2.9209% | 1,979 |
| Noncurrent loans to loans | 2.7633% | 2,351 |
| Net loans and leases to total assets | 73.9932% | 1,067 |
| Net loans and leases to deposits | 86.7150% | 1,324 |
| Net loans and leases to core deposits | 97.8163% | 1,136 |
| Total domestic deposits to total assets | 85.3292% | 3,867 |
| Equity capital to assets | 8.5815% | 6,008 |
| Core capital (leverage) ratio | 8.3264% | 5,831 |
| Tier 1 risk-based capital ratio | 11.4442% | 6,314 |
| Total risk-based capital ratio | 12.6945% | 6,297 |
| Memoranda: | ||
| Average total assets | $287,571,000 | 2,262 |
| Average earning assets | $268,289,500 | 2,217 |
| Average equity | $24,643,500 | 2,697 |
| Average total loans | $218,465,000 | 1,869 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5567% | 1,042 |
| Cost of funding earning assets | 1.0930% | 2,715 |
| Net interest margin | 4.4637% | 1,218 |
| Noninterest income to average assets | 0.7720% | 2,221 |
| Noninterest expense to average assets | 2.8837% | 4,026 |
| Loan and lease loss provision to assets | 0.4854% | 2,177 |
| Net operating income to assets | 1.5835% | 689 |
| Return on assets (ROA) | 1.5835% | 753 |
| Pretax return on assets | 1.5835% | 1,248 |
| Return on Equity (ROE) | 17.6491% | 411 |
| Retained earnings to average equity (ytd only) | 4.3046% | 3,119 |
| Net charge-offs to loans | 0.4223% | 3,314 |
| Credit loss provision to net charge-offs | 145.2725% | 1,981 |
| Earnings coverage of net charge-offs (x) | 6.1913% | 2,568 |
| Efficiency ratio | 58.2258% | 6,022 |
| Assets per employee ($millions) | 3.9749% | 3,911 |
| Cash dividends to net income (ytd only)* | 75.6103% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 4,498 |
| Loan loss allowance to noncurrent loans | 61.5400% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.2516% | 2,674 |
| Noncurrent loans to loans | 2.2622% | 2,885 |
| Net loans and leases to total assets | 75.9562% | 958 |
| Net loans and leases to deposits | 89.8247% | 1,178 |
| Net loans and leases to core deposits | 102.1561% | 1,015 |
| Total domestic deposits to total assets | 84.5605% | 4,060 |
| Equity capital to assets | 8.5575% | 6,064 |
| Core capital (leverage) ratio | 8.5180% | 5,532 |
| Tier 1 risk-based capital ratio | 11.3315% | 6,274 |
| Total risk-based capital ratio | 12.5751% | 6,260 |
| Memoranda: | ||
| Average total assets | $269,029,600 | 2,345 |
| Average earning assets | $251,966,400 | 2,289 |
| Average equity | $24,137,200 | 2,653 |
| Average total loans | $212,882,000 | 1,933 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5710% | 1,096 |
| Cost of funding earning assets | 1.1198% | 2,832 |
| Net interest margin | 4.4512% | 1,276 |
| Noninterest income to average assets | 0.8370% | 1,890 |
| Noninterest expense to average assets | 2.8923% | 3,965 |
| Loan and lease loss provision to assets | 0.3767% | 2,595 |
| Net operating income to assets | 1.7380% | 580 |
| Return on assets (ROA) | 1.7380% | 638 |
| Pretax return on assets | 1.7380% | 1,068 |
| Return on Equity (ROE) | 19.1329% | 374 |
| Retained earnings to average equity (ytd only) | 7.7896% | 1,596 |
| Net charge-offs to loans | 0.2205% | 4,053 |
| Credit loss provision to net charge-offs | 214.3266% | 1,344 |
| Earnings coverage of net charge-offs (x) | 12.0316% | 1,749 |
| Efficiency ratio | 57.7650% | 6,052 |
| Assets per employee ($millions) | 3.8274% | 4,242 |
| Cash dividends to net income (ytd only)* | 59.2871% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 4,541 |
| Loan loss allowance to noncurrent loans | 56.0110% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.4657% | 2,612 |
| Noncurrent loans to loans | 2.5082% | 2,762 |
| Net loans and leases to total assets | 80.1821% | 502 |
| Net loans and leases to deposits | 95.7561% | 715 |
| Net loans and leases to core deposits | 104.0003% | 985 |
| Total domestic deposits to total assets | 83.7358% | 4,353 |
| Equity capital to assets | 9.3599% | 5,290 |
| Core capital (leverage) ratio | 8.9424% | 5,026 |
| Tier 1 risk-based capital ratio | 11.5847% | 6,184 |
| Total risk-based capital ratio | 12.8376% | 6,176 |
| Memoranda: | ||
| Average total assets | $264,738,500 | 2,393 |
| Average earning assets | $248,016,500 | 2,338 |
| Average equity | $24,048,750 | 2,666 |
| Average total loans | $210,989,750 | 1,965 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6322% | 1,013 |
| Cost of funding earning assets | 1.1420% | 2,958 |
| Net interest margin | 4.4902% | 1,155 |
| Noninterest income to average assets | 0.7744% | 2,135 |
| Noninterest expense to average assets | 2.8869% | 4,075 |
| Loan and lease loss provision to assets | 0.2571% | 3,342 |
| Net operating income to assets | 1.8386% | 458 |
| Return on assets (ROA) | 1.8386% | 489 |
| Pretax return on assets | 1.8386% | 814 |
| Return on Equity (ROE) | 20.4505% | 287 |
| Retained earnings to average equity (ytd only) | 9.6178% | 931 |
| Net charge-offs to loans | 0.0815% | 4,827 |
| Credit loss provision to net charge-offs | 398.8235% | 758 |
| Earnings coverage of net charge-offs (x) | 32.5059% | 871 |
| Efficiency ratio | 57.9388% | 6,172 |
| Assets per employee ($millions) | 3.6499% | 4,565 |
| Cash dividends to net income (ytd only)* | 52.9703% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 4,675 |
| Loan loss allowance to noncurrent loans | 56.5116% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 2.0931% | 3,118 |
| Noncurrent loans to loans | 2.4422% | 2,943 |
| Net loans and leases to total assets | 78.2020% | 751 |
| Net loans and leases to deposits | 93.1586% | 931 |
| Net loans and leases to core deposits | 100.7495% | 1,275 |
| Total domestic deposits to total assets | 83.9450% | 4,371 |
| Equity capital to assets | 9.2248% | 5,244 |
| Core capital (leverage) ratio | 8.9242% | 4,840 |
| Tier 1 risk-based capital ratio | 11.8870% | 5,871 |
| Total risk-based capital ratio | 13.1398% | 5,849 |
| Memoranda: | ||
| Average total assets | $263,678,330 | 2,418 |
| Average earning assets | $247,113,670 | 2,355 |
| Average equity | $23,706,000 | 2,680 |
| Average total loans | $208,691,670 | 2,014 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5918% | 1,071 |
| Cost of funding earning assets | 1.1935% | 2,860 |
| Net interest margin | 4.3983% | 1,281 |
| Noninterest income to average assets | 0.7686% | 2,165 |
| Noninterest expense to average assets | 2.8518% | 4,261 |
| Loan and lease loss provision to assets | 0.1922% | 3,708 |
| Net operating income to assets | 1.8498% | 446 |
| Return on assets (ROA) | 1.8498% | 470 |
| Pretax return on assets | 1.8498% | 739 |
| Return on Equity (ROE) | 20.8513% | 301 |
| Retained earnings to average equity (ytd only) | 10.7609% | 943 |
| Net charge-offs to loans | 0.0521% | 4,415 |
| Credit loss provision to net charge-offs | 466.6667% | 756 |
| Earnings coverage of net charge-offs (x) | 49.5926% | 585 |
| Efficiency ratio | 58.2736% | 6,232 |
| Assets per employee ($millions) | 3.7042% | 4,533 |
| Cash dividends to net income (ytd only)* | 48.3924% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 5,027 |
| Loan loss allowance to noncurrent loans | 89.2950% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3138% | 4,337 |
| Noncurrent loans to loans | 1.4803% | 4,251 |
| Net loans and leases to total assets | 77.2813% | 832 |
| Net loans and leases to deposits | 92.8469% | 938 |
| Net loans and leases to core deposits | 101.2845% | 1,252 |
| Total domestic deposits to total assets | 83.2352% | 4,830 |
| Equity capital to assets | 8.8369% | 5,434 |
| Core capital (leverage) ratio | 8.8351% | 4,876 |
| Tier 1 risk-based capital ratio | 11.7411% | 5,903 |
| Total risk-based capital ratio | 12.9928% | 5,911 |
| Memoranda: | ||
| Average total assets | $262,294,500 | 2,453 |
| Average earning assets | $246,004,000 | 2,389 |
| Average equity | $23,269,500 | 2,718 |
| Average total loans | $207,396,500 | 2,037 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7022% | 1,566 |
| Cost of funding earning assets | 1.4803% | 2,759 |
| Net interest margin | 4.2219% | 2,090 |
| Noninterest income to average assets | 0.6334% | 3,260 |
| Noninterest expense to average assets | 2.7071% | 4,962 |
| Loan and lease loss provision to assets | 0.2840% | 4,532 |
| Net operating income to assets | 1.5808% | 643 |
| Return on assets (ROA) | 1.5808% | 703 |
| Pretax return on assets | 1.5863% | 1,157 |
| Return on Equity (ROE) | 18.5732% | 337 |
| Retained earnings to average equity (ytd only) | 3.4747% | 3,440 |
| Net charge-offs to loans | 0.1372% | 5,546 |
| Credit loss provision to net charge-offs | 263.0435% | 1,068 |
| Earnings coverage of net charge-offs (x) | 17.3225% | 1,159 |
| Efficiency ratio | 59.1402% | 6,170 |
| Assets per employee ($millions) | 3.5818% | 4,749 |
| Cash dividends to net income (ytd only)* | 81.2918% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 5,041 |
| Loan loss allowance to noncurrent loans | 88.6447% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.3126% | 4,403 |
| Noncurrent loans to loans | 1.4583% | 4,298 |
| Net loans and leases to total assets | 78.8172% | 833 |
| Net loans and leases to deposits | 94.3929% | 1,021 |
| Net loans and leases to core deposits | 103.8795% | 1,324 |
| Total domestic deposits to total assets | 83.4990% | 4,605 |
| Equity capital to assets | 8.9074% | 5,275 |
| Core capital (leverage) ratio | 8.7043% | 5,012 |
| Tier 1 risk-based capital ratio | 11.6617% | 5,759 |
| Total risk-based capital ratio | 12.9131% | 5,766 |
| Memoranda: | ||
| Average total assets | $255,624,400 | 2,494 |
| Average earning assets | $238,803,200 | 2,436 |
| Average equity | $21,757,200 | 2,908 |
| Average total loans | $201,154,200 | 2,142 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 1,752 |
| Cost of funding earning assets | 1.5160% | 2,872 |
| Net interest margin | 4.1723% | 2,326 |
| Noninterest income to average assets | 0.6205% | 3,310 |
| Noninterest expense to average assets | 2.6561% | 5,087 |
| Loan and lease loss provision to assets | 0.2624% | 4,481 |
| Net operating income to assets | 1.5928% | 757 |
| Return on assets (ROA) | 1.5928% | 827 |
| Pretax return on assets | 1.5980% | 1,350 |
| Return on Equity (ROE) | 18.9364% | 393 |
| Retained earnings to average equity (ytd only) | 3.2814% | 4,138 |
| Net charge-offs to loans | 0.1287% | 5,260 |
| Credit loss provision to net charge-offs | 260.1036% | 1,273 |
| Earnings coverage of net charge-offs (x) | 18.4402% | 1,259 |
| Efficiency ratio | 58.8079% | 6,146 |
| Assets per employee ($millions) | 3.6999% | 4,510 |
| Cash dividends to net income (ytd only)* | 82.6713% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 5,362 |
| Loan loss allowance to noncurrent loans | 129.4813% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 5,192 |
| Noncurrent loans to loans | 0.9470% | 5,340 |
| Net loans and leases to total assets | 79.5460% | 817 |
| Net loans and leases to deposits | 96.3893% | 935 |
| Net loans and leases to core deposits | 106.5385% | 1,283 |
| Total domestic deposits to total assets | 82.5258% | 4,786 |
| Equity capital to assets | 8.5722% | 6,190 |
| Core capital (leverage) ratio | 8.1304% | 6,149 |
| Tier 1 risk-based capital ratio | 11.0566% | 6,326 |
| Total risk-based capital ratio | 12.3063% | 6,312 |
| Memoranda: | ||
| Average total assets | $255,058,500 | 2,538 |
| Average earning assets | $238,169,000 | 2,488 |
| Average equity | $21,453,750 | 2,989 |
| Average total loans | $199,962,250 | 2,187 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6483% | 1,949 |
| Cost of funding earning assets | 1.5570% | 2,921 |
| Net interest margin | 4.0913% | 2,604 |
| Noninterest income to average assets | 0.6000% | 3,331 |
| Noninterest expense to average assets | 2.5069% | 5,696 |
| Loan and lease loss provision to assets | 0.2573% | 4,365 |
| Net operating income to assets | 1.6472% | 653 |
| Return on assets (ROA) | 1.6472% | 698 |
| Pretax return on assets | 1.6511% | 1,164 |
| Return on Equity (ROE) | 19.7088% | 343 |
| Retained earnings to average equity (ytd only) | 4.7489% | 3,046 |
| Net charge-offs to loans | 0.1121% | 5,040 |
| Credit loss provision to net charge-offs | 295.4955% | 1,258 |
| Earnings coverage of net charge-offs (x) | 21.9189% | 1,156 |
| Efficiency ratio | 56.7774% | 6,534 |
| Assets per employee ($millions) | 3.8762% | 4,044 |
| Cash dividends to net income (ytd only)* | 75.9048% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 5,466 |
| Loan loss allowance to noncurrent loans | 81.7845% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3450% | 4,470 |
| Noncurrent loans to loans | 1.4649% | 4,514 |
| Net loans and leases to total assets | 77.1312% | 1,270 |
| Net loans and leases to deposits | 95.8275% | 1,065 |
| Net loans and leases to core deposits | 106.1211% | 1,429 |
| Total domestic deposits to total assets | 80.4896% | 5,564 |
| Equity capital to assets | 8.4150% | 6,278 |
| Core capital (leverage) ratio | 8.1352% | 6,057 |
| Tier 1 risk-based capital ratio | 11.2329% | 6,015 |
| Total risk-based capital ratio | 12.4836% | 5,994 |
| Memoranda: | ||
| Average total assets | $254,981,330 | 2,553 |
| Average earning assets | $237,770,670 | 2,508 |
| Average equity | $21,310,330 | 3,001 |
| Average total loans | $198,085,000 | 2,233 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5882% | 2,202 |
| Cost of funding earning assets | 1.6090% | 2,904 |
| Net interest margin | 3.9793% | 2,960 |
| Noninterest income to average assets | 0.5795% | 3,421 |
| Noninterest expense to average assets | 2.5493% | 5,553 |
| Loan and lease loss provision to assets | 0.1995% | 4,511 |
| Net operating income to assets | 1.5549% | 812 |
| Return on assets (ROA) | 1.5549% | 873 |
| Pretax return on assets | 1.5549% | 1,380 |
| Return on Equity (ROE) | 18.6705% | 465 |
| Retained earnings to average equity (ytd only) | 2.1294% | 4,858 |
| Net charge-offs to loans | 0.1206% | 4,250 |
| Credit loss provision to net charge-offs | 213.5593% | 1,753 |
| Earnings coverage of net charge-offs (x) | 18.7797% | 1,227 |
| Efficiency ratio | 59.2347% | 6,300 |
| Assets per employee ($millions) | 3.8791% | 4,145 |
| Cash dividends to net income (ytd only)* | 88.5947% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 5,710 |
| Loan loss allowance to noncurrent loans | 72.5565% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.3968% | 4,417 |
| Noncurrent loans to loans | 1.6005% | 4,345 |
| Net loans and leases to total assets | 75.7667% | 1,590 |
| Net loans and leases to deposits | 91.2357% | 1,721 |
| Net loans and leases to core deposits | 101.2517% | 2,001 |
| Total domestic deposits to total assets | 83.0451% | 4,598 |
| Equity capital to assets | 8.2427% | 6,376 |
| Core capital (leverage) ratio | 8.2001% | 5,906 |
| Tier 1 risk-based capital ratio | 11.2645% | 5,885 |
| Total risk-based capital ratio | 12.5094% | 5,854 |
| Memoranda: | ||
| Average total assets | $252,620,500 | 2,627 |
| Average earning assets | $236,426,000 | 2,574 |
| Average equity | $21,038,500 | 3,063 |
| Average total loans | $195,757,000 | 2,321 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9689% | 1,994 |
| Cost of funding earning assets | 1.8587% | 3,684 |
| Net interest margin | 4.1102% | 2,408 |
| Noninterest income to average assets | 0.7220% | 2,840 |
| Noninterest expense to average assets | 2.7503% | 5,166 |
| Loan and lease loss provision to assets | 0.2915% | 5,095 |
| Net operating income to assets | 1.4943% | 680 |
| Return on assets (ROA) | 1.5357% | 667 |
| Pretax return on assets | 1.5408% | 1,094 |
| Return on Equity (ROE) | 18.1465% | 356 |
| Retained earnings to average equity (ytd only) | 7.0589% | 945 |
| Net charge-offs to loans | 0.3087% | 4,700 |
| Credit loss provision to net charge-offs | 115.5779% | 4,714 |
| Earnings coverage of net charge-offs (x) | 7.1005% | 2,217 |
| Efficiency ratio | 60.5638% | 6,395 |
| Assets per employee ($millions) | 3.7761% | 4,333 |
| Cash dividends to net income (ytd only)* | 61.1004% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 5,734 |
| Loan loss allowance to noncurrent loans | 70.1554% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.4453% | 4,246 |
| Noncurrent loans to loans | 1.6148% | 4,232 |
| Net loans and leases to total assets | 77.4594% | 1,493 |
| Net loans and leases to deposits | 93.2364% | 1,703 |
| Net loans and leases to core deposits | 131.9145% | 1,180 |
| Total domestic deposits to total assets | 83.0785% | 4,491 |
| Equity capital to assets | 8.4158% | 6,036 |
| Core capital (leverage) ratio | 8.4673% | 5,330 |
| Tier 1 risk-based capital ratio | 11.2356% | 5,678 |
| Total risk-based capital ratio | 12.4473% | 5,678 |
| Memoranda: | ||
| Average total assets | $236,700,000 | 2,745 |
| Average earning assets | $219,939,800 | 2,708 |
| Average equity | $20,031,400 | 3,194 |
| Average total loans | $193,375,200 | 2,359 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0075% | 2,005 |
| Cost of funding earning assets | 1.9154% | 3,793 |
| Net interest margin | 4.0921% | 2,434 |
| Noninterest income to average assets | 0.7598% | 2,648 |
| Noninterest expense to average assets | 2.8336% | 4,748 |
| Loan and lease loss provision to assets | 0.2694% | 4,808 |
| Net operating income to assets | 1.4499% | 915 |
| Return on assets (ROA) | 1.4499% | 978 |
| Pretax return on assets | 1.4545% | 1,541 |
| Return on Equity (ROE) | 17.1076% | 540 |
| Retained earnings to average equity (ytd only) | 7.0721% | 1,474 |
| Net charge-offs to loans | 0.3055% | 4,122 |
| Credit loss provision to net charge-offs | 106.7873% | 4,761 |
| Earnings coverage of net charge-offs (x) | 6.8326% | 2,533 |
| Efficiency ratio | 62.1743% | 6,072 |
| Assets per employee ($millions) | 3.4713% | 4,998 |
| Cash dividends to net income (ytd only)* | 58.6615% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 5,806 |
| Loan loss allowance to noncurrent loans | 116.9842% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 5,033 |
| Noncurrent loans to loans | 0.9288% | 5,435 |
| Net loans and leases to total assets | 82.8766% | 686 |
| Net loans and leases to deposits | 99.9888% | 1,105 |
| Net loans and leases to core deposits | 141.6212% | 843 |
| Total domestic deposits to total assets | 82.8860% | 4,278 |
| Equity capital to assets | 8.8551% | 5,702 |
| Core capital (leverage) ratio | 8.3962% | 5,666 |
| Tier 1 risk-based capital ratio | 10.9800% | 5,972 |
| Total risk-based capital ratio | 12.1513% | 6,011 |
| Memoranda: | ||
| Average total assets | $233,569,750 | 2,797 |
| Average earning assets | $216,769,750 | 2,764 |
| Average equity | $19,795,750 | 3,274 |
| Average total loans | $192,904,750 | 2,391 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9841% | 2,248 |
| Cost of funding earning assets | 1.9352% | 4,088 |
| Net interest margin | 4.0489% | 2,507 |
| Noninterest income to average assets | 0.7476% | 2,716 |
| Noninterest expense to average assets | 2.8735% | 4,607 |
| Loan and lease loss provision to assets | 0.2363% | 4,700 |
| Net operating income to assets | 1.3792% | 1,070 |
| Return on assets (ROA) | 1.3792% | 1,138 |
| Pretax return on assets | 1.3826% | 1,778 |
| Return on Equity (ROE) | 16.5234% | 641 |
| Retained earnings to average equity (ytd only) | 5.3122% | 2,341 |
| Net charge-offs to loans | 0.3179% | 3,598 |
| Credit loss provision to net charge-offs | 90.4605% | 4,910 |
| Earnings coverage of net charge-offs (x) | 6.1974% | 2,668 |
| Efficiency ratio | 63.9633% | 5,922 |
| Assets per employee ($millions) | 3.5181% | 4,773 |
| Cash dividends to net income (ytd only)* | 67.8505% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 5,643 |
| Loan loss allowance to noncurrent loans | 153.3382% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 5,441 |
| Noncurrent loans to loans | 0.7137% | 5,808 |
| Net loans and leases to total assets | 77.8150% | 1,791 |
| Net loans and leases to deposits | 94.6008% | 2,006 |
| Net loans and leases to core deposits | 131.4599% | 1,458 |
| Total domestic deposits to total assets | 82.2562% | 4,590 |
| Equity capital to assets | 8.2945% | 6,338 |
| Core capital (leverage) ratio | 8.3723% | 5,672 |
| Tier 1 risk-based capital ratio | 10.8493% | 6,034 |
| Total risk-based capital ratio | 12.0055% | 6,066 |
| Memoranda: | ||
| Average total assets | $232,744,330 | 2,829 |
| Average earning assets | $215,270,670 | 2,809 |
| Average equity | $19,427,000 | 3,334 |
| Average total loans | $191,281,000 | 2,444 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0798% | 2,022 |
| Cost of funding earning assets | 1.9859% | 4,201 |
| Net interest margin | 4.0939% | 2,297 |
| Noninterest income to average assets | 0.6850% | 2,974 |
| Noninterest expense to average assets | 2.7803% | 4,649 |
| Loan and lease loss provision to assets | 0.2143% | 4,303 |
| Net operating income to assets | 1.4595% | 1,019 |
| Return on assets (ROA) | 1.4595% | 1,095 |
| Pretax return on assets | 1.4595% | 1,785 |
| Return on Equity (ROE) | 17.4278% | 644 |
| Retained earnings to average equity (ytd only) | 9.6471% | 1,298 |
| Net charge-offs to loans | 0.0710% | 4,481 |
| Credit loss provision to net charge-offs | 358.8235% | 1,415 |
| Earnings coverage of net charge-offs (x) | 28.0294% | 1,117 |
| Efficiency ratio | 62.4211% | 5,976 |
| Assets per employee ($millions) | 3.4185% | 5,025 |
| Cash dividends to net income (ytd only)* | 44.6450% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 5,117 |
| Loan loss allowance to noncurrent loans | 69.6654% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.4286% | 3,795 |
| Noncurrent loans to loans | 1.6519% | 3,799 |
| Net loans and leases to total assets | 82.7710% | 888 |
| Net loans and leases to deposits | 99.8336% | 1,434 |
| Net loans and leases to core deposits | 136.5524% | 1,267 |
| Total domestic deposits to total assets | 82.9089% | 4,185 |
| Equity capital to assets | 8.8221% | 5,583 |
| Core capital (leverage) ratio | 8.6476% | 5,264 |
| Tier 1 risk-based capital ratio | 11.0273% | 5,890 |
| Total risk-based capital ratio | 12.2720% | 5,786 |
| Memoranda: | ||
| Average total assets | $227,741,500 | 2,896 |
| Average earning assets | $209,677,500 | 2,885 |
| Average equity | $19,073,000 | 3,406 |
| Average total loans | $191,428,500 | 2,456 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7819% | 1,746 |
| Cost of funding earning assets | 2.8018% | 2,701 |
| Net interest margin | 3.9801% | 3,218 |
| Noninterest income to average assets | 0.8503% | 2,226 |
| Noninterest expense to average assets | 2.7495% | 5,047 |
| Loan and lease loss provision to assets | 0.4810% | 2,895 |
| Net operating income to assets | 1.3013% | 1,483 |
| Return on assets (ROA) | 1.3066% | 1,414 |
| Pretax return on assets | 1.3110% | 2,274 |
| Return on Equity (ROE) | 16.9823% | 641 |
| Retained earnings to average equity (ytd only) | 3.7509% | 2,801 |
| Net charge-offs to loans | 0.4080% | 2,779 |
| Credit loss provision to net charge-offs | 142.4837% | 3,719 |
| Earnings coverage of net charge-offs (x) | 5.2928% | 3,693 |
| Efficiency ratio | 60.6128% | 6,241 |
| Assets per employee ($millions) | 3.4310% | 4,852 |
| Cash dividends to net income (ytd only)* | 77.9129% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 5,206 |
| Loan loss allowance to noncurrent loans | 140.7039% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7097% | 5,098 |
| Noncurrent loans to loans | 0.7882% | 5,068 |
| Net loans and leases to total assets | 83.4437% | 968 |
| Net loans and leases to deposits | 99.7598% | 1,855 |
| Net loans and leases to core deposits | 138.3944% | 1,351 |
| Total domestic deposits to total assets | 83.6446% | 3,506 |
| Equity capital to assets | 7.9225% | 6,939 |
| Core capital (leverage) ratio | 7.6160% | 7,056 |
| Tier 1 risk-based capital ratio | 9.6753% | 7,114 |
| Total risk-based capital ratio | 10.8611% | 7,086 |
| Memoranda: | ||
| Average total assets | $226,621,800 | 2,809 |
| Average earning assets | $209,868,600 | 2,774 |
| Average equity | $17,435,800 | 3,660 |
| Average total loans | $187,477,200 | 2,427 |