Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5991% | 82 |
| Cost of funding earning assets | 1.1647% | 2,894 |
| Net interest margin | 8.4344% | 31 |
| Noninterest income to average assets | 2.4600% | 221 |
| Noninterest expense to average assets | 3.8877% | 400 |
| Loan and lease loss provision to assets | 4.0700% | 11 |
| Net operating income to assets | 1.7471% | 666 |
| Return on assets (ROA) | 1.7471% | 637 |
| Pretax return on assets | 2.3007% | 432 |
| Return on Equity (ROE) | 7.9500% | 3,035 |
| Retained earnings to average equity (ytd only) | 6.8955% | 1,922 |
| Net charge-offs to loans | 4.7083% | 19 |
| Credit loss provision to net charge-offs | 106.9810% | 1,778 |
| Earnings coverage of net charge-offs (x) | 1.6749% | 2,749 |
| Efficiency ratio | 37.7434% | 4,403 |
| Assets per employee ($millions) | 10.0542% | 695 |
| Cash dividends to net income (ytd only)* | 13.2888% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1950% | 25 |
| Loan loss allowance to noncurrent loans | 962.2016% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 673 |
| Noncurrent loans to loans | 0.6438% | 1,219 |
| Net loans and leases to total assets | 76.5100% | 1,049 |
| Net loans and leases to deposits | 102.4140% | 418 |
| Net loans and leases to core deposits | 112.2151% | 879 |
| Total domestic deposits to total assets | 74.7100% | 4,052 |
| Equity capital to assets | 22.8672% | 221 |
| Core capital (leverage) ratio | 21.9555% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0100% | 301 |
| Memoranda: | ||
| Average total assets | $1,672,442,400 | 657 |
| Average earning assets | $1,545,451,400 | 649 |
| Average equity | $367,441,200 | 334 |
| Average total loans | $1,350,519,600 | 564 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5051% | 76 |
| Cost of funding earning assets | 1.0697% | 2,833 |
| Net interest margin | 8.4354% | 29 |
| Noninterest income to average assets | 2.4900% | 236 |
| Noninterest expense to average assets | 3.9377% | 373 |
| Loan and lease loss provision to assets | 4.0200% | 13 |
| Net operating income to assets | 1.7791% | 694 |
| Return on assets (ROA) | 1.7791% | 682 |
| Pretax return on assets | 2.3263% | 465 |
| Return on Equity (ROE) | 8.1800% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.1149% | 2,246 |
| Net charge-offs to loans | 4.4449% | 20 |
| Credit loss provision to net charge-offs | 112.3997% | 1,532 |
| Earnings coverage of net charge-offs (x) | 1.7737% | 2,519 |
| Efficiency ratio | 38.1106% | 4,409 |
| Assets per employee ($millions) | 9.9977% | 667 |
| Cash dividends to net income (ytd only)* | 13.0266% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2639% | 27 |
| Loan loss allowance to noncurrent loans | 938.5618% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 709 |
| Noncurrent loans to loans | 0.6674% | 1,236 |
| Net loans and leases to total assets | 76.1600% | 1,101 |
| Net loans and leases to deposits | 101.0695% | 470 |
| Net loans and leases to core deposits | 112.1783% | 788 |
| Total domestic deposits to total assets | 75.3500% | 4,069 |
| Equity capital to assets | 22.0489% | 239 |
| Core capital (leverage) ratio | 21.8357% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3946% | 339 |
| Memoranda: | ||
| Average total assets | $1,675,819,000 | 658 |
| Average earning assets | $1,549,640,750 | 651 |
| Average equity | $364,463,250 | 339 |
| Average total loans | $1,349,863,250 | 564 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3529% | 72 |
| Cost of funding earning assets | 0.9482% | 2,781 |
| Net interest margin | 8.4046% | 31 |
| Noninterest income to average assets | 2.4700% | 205 |
| Noninterest expense to average assets | 3.9978% | 341 |
| Loan and lease loss provision to assets | 4.0100% | 10 |
| Net operating income to assets | 1.7353% | 732 |
| Return on assets (ROA) | 1.7353% | 737 |
| Pretax return on assets | 2.2450% | 505 |
| Return on Equity (ROE) | 8.0200% | 3,227 |
| Retained earnings to average equity (ytd only) | 6.9464% | 2,298 |
| Net charge-offs to loans | 4.4259% | 20 |
| Credit loss provision to net charge-offs | 112.7821% | 1,364 |
| Earnings coverage of net charge-offs (x) | 1.7593% | 2,353 |
| Efficiency ratio | 38.8313% | 4,423 |
| Assets per employee ($millions) | 10.0631% | 656 |
| Cash dividends to net income (ytd only)* | 13.3397% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5652% | 36 |
| Loan loss allowance to noncurrent loans | 1,186.3987% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 862 |
| Noncurrent loans to loans | 0.4691% | 1,539 |
| Net loans and leases to total assets | 76.0100% | 1,046 |
| Net loans and leases to deposits | 101.8199% | 437 |
| Net loans and leases to core deposits | 113.2961% | 705 |
| Total domestic deposits to total assets | 74.6500% | 4,145 |
| Equity capital to assets | 21.9602% | 227 |
| Core capital (leverage) ratio | 21.6160% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0671% | 353 |
| Memoranda: | ||
| Average total assets | $1,677,887,667 | 645 |
| Average earning assets | $1,552,975,000 | 641 |
| Average equity | $363,240,333 | 331 |
| Average total loans | $1,347,657,333 | 554 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2660% | 35 |
| Cost of funding earning assets | 0.8347% | 2,580 |
| Net interest margin | 8.4313% | 25 |
| Noninterest income to average assets | 2.4700% | 192 |
| Noninterest expense to average assets | 4.0893% | 338 |
| Loan and lease loss provision to assets | 3.9600% | 9 |
| Net operating income to assets | 1.7934% | 683 |
| Return on assets (ROA) | 1.7934% | 673 |
| Pretax return on assets | 2.2367% | 537 |
| Return on Equity (ROE) | 8.3400% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.2665% | 2,430 |
| Net charge-offs to loans | 4.7281% | 17 |
| Credit loss provision to net charge-offs | 104.3459% | 1,091 |
| Earnings coverage of net charge-offs (x) | 1.6331% | 1,960 |
| Efficiency ratio | 39.6001% | 4,454 |
| Assets per employee ($millions) | 10.0142% | 695 |
| Cash dividends to net income (ytd only)* | 12.9174% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3680% | 36 |
| Loan loss allowance to noncurrent loans | 897.3511% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 680 |
| Noncurrent loans to loans | 0.5982% | 1,243 |
| Net loans and leases to total assets | 75.6100% | 1,008 |
| Net loans and leases to deposits | 100.8079% | 412 |
| Net loans and leases to core deposits | 110.5064% | 685 |
| Total domestic deposits to total assets | 75.0000% | 4,222 |
| Equity capital to assets | 21.6316% | 198 |
| Core capital (leverage) ratio | 21.2032% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8044% | 362 |
| Memoranda: | ||
| Average total assets | $1,676,566,500 | 659 |
| Average earning assets | $1,553,122,000 | 651 |
| Average equity | $360,337,000 | 344 |
| Average total loans | $1,345,161,500 | 565 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6351% | 24 |
| Cost of funding earning assets | 0.2657% | 3,204 |
| Net interest margin | 8.3694% | 22 |
| Noninterest income to average assets | 2.5800% | 195 |
| Noninterest expense to average assets | 4.0228% | 331 |
| Loan and lease loss provision to assets | 3.1000% | 13 |
| Net operating income to assets | 2.4329% | 156 |
| Return on assets (ROA) | 2.4342% | 151 |
| Pretax return on assets | 3.2382% | 113 |
| Return on Equity (ROE) | 11.7000% | 2,240 |
| Retained earnings to average equity (ytd only) | 10.5818% | 988 |
| Net charge-offs to loans | 3.4033% | 14 |
| Credit loss provision to net charge-offs | 119.6793% | 1,461 |
| Earnings coverage of net charge-offs (x) | 2.4480% | 2,506 |
| Efficiency ratio | 38.6851% | 4,565 |
| Assets per employee ($millions) | 9.7134% | 741 |
| Cash dividends to net income (ytd only)* | 9.5908% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3089% | 34 |
| Loan loss allowance to noncurrent loans | 940.0816% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 632 |
| Noncurrent loans to loans | 0.5647% | 1,315 |
| Net loans and leases to total assets | 76.3000% | 978 |
| Net loans and leases to deposits | 103.1285% | 332 |
| Net loans and leases to core deposits | 107.3370% | 695 |
| Total domestic deposits to total assets | 73.9800% | 4,357 |
| Equity capital to assets | 21.3503% | 200 |
| Core capital (leverage) ratio | 20.8627% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3379% | 356 |
| Memoranda: | ||
| Average total assets | $1,663,688,000 | 647 |
| Average earning assets | $1,545,351,000 | 639 |
| Average equity | $345,999,200 | 346 |
| Average total loans | $1,264,504,200 | 552 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2997% | 23 |
| Cost of funding earning assets | 0.1951% | 3,335 |
| Net interest margin | 8.1046% | 23 |
| Noninterest income to average assets | 2.5800% | 204 |
| Noninterest expense to average assets | 3.9993% | 328 |
| Loan and lease loss provision to assets | 2.6000% | 12 |
| Net operating income to assets | 2.6560% | 135 |
| Return on assets (ROA) | 2.6577% | 131 |
| Pretax return on assets | 3.5245% | 106 |
| Return on Equity (ROE) | 12.8700% | 1,745 |
| Retained earnings to average equity (ytd only) | 11.7340% | 857 |
| Net charge-offs to loans | 2.9925% | 17 |
| Credit loss provision to net charge-offs | 115.9797% | 1,238 |
| Earnings coverage of net charge-offs (x) | 2.7322% | 2,234 |
| Efficiency ratio | 39.3528% | 4,587 |
| Assets per employee ($millions) | 9.6121% | 727 |
| Cash dividends to net income (ytd only)* | 8.7932% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0942% | 40 |
| Loan loss allowance to noncurrent loans | 1,003.9887% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 739 |
| Noncurrent loans to loans | 0.5074% | 1,529 |
| Net loans and leases to total assets | 76.0200% | 911 |
| Net loans and leases to deposits | 99.3589% | 390 |
| Net loans and leases to core deposits | 102.4750% | 719 |
| Total domestic deposits to total assets | 76.5100% | 4,345 |
| Equity capital to assets | 21.0195% | 197 |
| Core capital (leverage) ratio | 20.5813% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9991% | 378 |
| Memoranda: | ||
| Average total assets | $1,661,933,250 | 655 |
| Average earning assets | $1,545,351,250 | 641 |
| Average equity | $343,323,750 | 352 |
| Average total loans | $1,244,095,000 | 553 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0211% | 24 |
| Cost of funding earning assets | 0.1745% | 3,258 |
| Net interest margin | 7.8466% | 23 |
| Noninterest income to average assets | 2.5345% | 183 |
| Noninterest expense to average assets | 3.9017% | 303 |
| Loan and lease loss provision to assets | 2.1724% | 14 |
| Net operating income to assets | 2.8574% | 79 |
| Return on assets (ROA) | 2.8600% | 74 |
| Pretax return on assets | 3.7676% | 59 |
| Return on Equity (ROE) | 13.9252% | 1,130 |
| Retained earnings to average equity (ytd only) | 12.7892% | 494 |
| Net charge-offs to loans | 2.7942% | 19 |
| Credit loss provision to net charge-offs | 106.3206% | 1,238 |
| Earnings coverage of net charge-offs (x) | 2.9056% | 2,015 |
| Efficiency ratio | 39.4867% | 4,626 |
| Assets per employee ($millions) | 9.5695% | 740 |
| Cash dividends to net income (ytd only)* | 8.1573% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0232% | 41 |
| Loan loss allowance to noncurrent loans | 1,400.7652% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 988 |
| Noncurrent loans to loans | 0.3586% | 2,073 |
| Net loans and leases to total assets | 73.1748% | 986 |
| Net loans and leases to deposits | 94.9678% | 477 |
| Net loans and leases to core deposits | 97.8329% | 762 |
| Total domestic deposits to total assets | 77.0522% | 4,412 |
| Equity capital to assets | 20.6277% | 155 |
| Core capital (leverage) ratio | 20.1509% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0243% | 367 |
| Memoranda: | ||
| Average total assets | $1,664,818,333 | 646 |
| Average earning assets | $1,549,688,667 | 641 |
| Average equity | $341,928,000 | 355 |
| Average total loans | $1,217,388,667 | 560 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7297% | 26 |
| Cost of funding earning assets | 0.1753% | 3,153 |
| Net interest margin | 7.5545% | 26 |
| Noninterest income to average assets | 2.4456% | 188 |
| Noninterest expense to average assets | 3.8108% | 318 |
| Loan and lease loss provision to assets | 1.9084% | 17 |
| Net operating income to assets | 2.9256% | 81 |
| Return on assets (ROA) | 2.9276% | 80 |
| Pretax return on assets | 3.7926% | 65 |
| Return on Equity (ROE) | 14.2852% | 776 |
| Retained earnings to average equity (ytd only) | 13.1500% | 453 |
| Net charge-offs to loans | 2.7652% | 22 |
| Credit loss provision to net charge-offs | 96.9568% | 1,055 |
| Earnings coverage of net charge-offs (x) | 2.8951% | 1,689 |
| Efficiency ratio | 39.8987% | 4,645 |
| Assets per employee ($millions) | 9.8835% | 706 |
| Cash dividends to net income (ytd only)* | 7.9466% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2040% | 41 |
| Loan loss allowance to noncurrent loans | 1,327.6767% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 1,035 |
| Noncurrent loans to loans | 0.3920% | 2,081 |
| Net loans and leases to total assets | 68.4296% | 1,174 |
| Net loans and leases to deposits | 88.6899% | 580 |
| Net loans and leases to core deposits | 91.4881% | 840 |
| Total domestic deposits to total assets | 77.1560% | 4,450 |
| Equity capital to assets | 20.4644% | 150 |
| Core capital (leverage) ratio | 19.5672% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6177% | 350 |
| Memoranda: | ||
| Average total assets | $1,669,462,500 | 651 |
| Average earning assets | $1,560,983,000 | 641 |
| Average equity | $342,143,500 | 365 |
| Average total loans | $1,188,332,000 | 570 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6183% | 30 |
| Cost of funding earning assets | 0.2386% | 3,057 |
| Net interest margin | 7.3798% | 26 |
| Noninterest income to average assets | 2.5205% | 230 |
| Noninterest expense to average assets | 3.6281% | 415 |
| Loan and lease loss provision to assets | 1.3009% | 20 |
| Net operating income to assets | 3.3349% | 83 |
| Return on assets (ROA) | 3.3349% | 86 |
| Pretax return on assets | 4.4639% | 66 |
| Return on Equity (ROE) | 16.7978% | 619 |
| Retained earnings to average equity (ytd only) | 15.5588% | 194 |
| Net charge-offs to loans | 1.9190% | 23 |
| Credit loss provision to net charge-offs | 97.3831% | 1,834 |
| Earnings coverage of net charge-offs (x) | 4.3153% | 2,497 |
| Efficiency ratio | 38.4364% | 4,713 |
| Assets per employee ($millions) | 9.5349% | 779 |
| Cash dividends to net income (ytd only)* | 7.3759% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3800% | 35 |
| Loan loss allowance to noncurrent loans | 1,488.2117% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 1,208 |
| Noncurrent loans to loans | 0.3615% | 2,290 |
| Net loans and leases to total assets | 66.3985% | 1,430 |
| Net loans and leases to deposits | 85.9515% | 779 |
| Net loans and leases to core deposits | 88.7361% | 1,033 |
| Total domestic deposits to total assets | 77.2511% | 4,451 |
| Equity capital to assets | 20.5241% | 162 |
| Core capital (leverage) ratio | 19.0801% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1156% | 345 |
| Memoranda: | ||
| Average total assets | $1,579,009,000 | 654 |
| Average earning assets | $1,470,455,800 | 651 |
| Average equity | $313,481,000 | 388 |
| Average total loans | $1,099,216,200 | 604 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5409% | 33 |
| Cost of funding earning assets | 0.2530% | 3,093 |
| Net interest margin | 7.2879% | 29 |
| Noninterest income to average assets | 2.5241% | 243 |
| Noninterest expense to average assets | 3.6013% | 409 |
| Loan and lease loss provision to assets | 1.2278% | 23 |
| Net operating income to assets | 3.3416% | 92 |
| Return on assets (ROA) | 3.3416% | 95 |
| Pretax return on assets | 4.4711% | 71 |
| Return on Equity (ROE) | 16.9857% | 763 |
| Retained earnings to average equity (ytd only) | 15.7174% | 318 |
| Net charge-offs to loans | 1.8110% | 29 |
| Credit loss provision to net charge-offs | 97.5965% | 1,622 |
| Earnings coverage of net charge-offs (x) | 4.5301% | 2,262 |
| Efficiency ratio | 38.5290% | 4,756 |
| Assets per employee ($millions) | 9.5333% | 761 |
| Cash dividends to net income (ytd only)* | 7.4667% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7947% | 28 |
| Loan loss allowance to noncurrent loans | 1,833.8654% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 1,472 |
| Noncurrent loans to loans | 0.3160% | 2,649 |
| Net loans and leases to total assets | 63.7671% | 1,797 |
| Net loans and leases to deposits | 83.0902% | 1,025 |
| Net loans and leases to core deposits | 85.9145% | 1,299 |
| Total domestic deposits to total assets | 76.7443% | 4,506 |
| Equity capital to assets | 20.6048% | 169 |
| Core capital (leverage) ratio | 18.8715% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6243% | 351 |
| Memoranda: | ||
| Average total assets | $1,556,607,500 | 672 |
| Average earning assets | $1,447,284,750 | 668 |
| Average equity | $306,234,250 | 398 |
| Average total loans | $1,081,287,500 | 623 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4408% | 34 |
| Cost of funding earning assets | 0.2644% | 3,145 |
| Net interest margin | 7.1764% | 29 |
| Noninterest income to average assets | 2.4962% | 245 |
| Noninterest expense to average assets | 3.5705% | 425 |
| Loan and lease loss provision to assets | 1.3993% | 19 |
| Net operating income to assets | 3.1399% | 110 |
| Return on assets (ROA) | 3.1399% | 113 |
| Pretax return on assets | 4.1949% | 84 |
| Return on Equity (ROE) | 16.2288% | 911 |
| Retained earnings to average equity (ytd only) | 14.9239% | 442 |
| Net charge-offs to loans | 1.9099% | 35 |
| Credit loss provision to net charge-offs | 104.5455% | 1,336 |
| Earnings coverage of net charge-offs (x) | 4.1795% | 2,040 |
| Efficiency ratio | 38.7605% | 4,784 |
| Assets per employee ($millions) | 9.2664% | 785 |
| Cash dividends to net income (ytd only)* | 8.0404% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9048% | 29 |
| Loan loss allowance to noncurrent loans | 1,819.6703% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 1,560 |
| Noncurrent loans to loans | 0.3245% | 2,756 |
| Net loans and leases to total assets | 64.0049% | 1,950 |
| Net loans and leases to deposits | 82.7304% | 1,147 |
| Net loans and leases to core deposits | 85.5428% | 1,453 |
| Total domestic deposits to total assets | 77.3657% | 4,489 |
| Equity capital to assets | 19.9150% | 194 |
| Core capital (leverage) ratio | 18.1733% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4445% | 358 |
| Memoranda: | ||
| Average total assets | $1,538,436,000 | 673 |
| Average earning assets | $1,429,572,333 | 670 |
| Average equity | $297,656,333 | 398 |
| Average total loans | $1,078,196,667 | 626 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4857% | 34 |
| Cost of funding earning assets | 0.2738% | 3,233 |
| Net interest margin | 7.2119% | 29 |
| Noninterest income to average assets | 2.4851% | 268 |
| Noninterest expense to average assets | 3.6358% | 399 |
| Loan and lease loss provision to assets | 1.6739% | 18 |
| Net operating income to assets | 2.8812% | 167 |
| Return on assets (ROA) | 2.8812% | 191 |
| Pretax return on assets | 3.8635% | 114 |
| Return on Equity (ROE) | 15.1255% | 1,186 |
| Retained earnings to average equity (ytd only) | 13.7758% | 783 |
| Net charge-offs to loans | 2.1279% | 33 |
| Credit loss provision to net charge-offs | 110.5245% | 1,070 |
| Earnings coverage of net charge-offs (x) | 3.6563% | 1,756 |
| Efficiency ratio | 39.4331% | 4,761 |
| Assets per employee ($millions) | 9.0208% | 820 |
| Cash dividends to net income (ytd only)* | 8.9230% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9712% | 28 |
| Loan loss allowance to noncurrent loans | 777.6700% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 907 |
| Noncurrent loans to loans | 0.7678% | 1,705 |
| Net loans and leases to total assets | 65.4875% | 1,869 |
| Net loans and leases to deposits | 84.4064% | 1,105 |
| Net loans and leases to core deposits | 87.4595% | 1,414 |
| Total domestic deposits to total assets | 77.5859% | 4,468 |
| Equity capital to assets | 19.8009% | 191 |
| Core capital (leverage) ratio | 17.7510% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3942% | 384 |
| Memoranda: | ||
| Average total assets | $1,510,743,500 | 673 |
| Average earning assets | $1,401,011,000 | 671 |
| Average equity | $287,779,500 | 403 |
| Average total loans | $1,075,225,000 | 629 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1886% | 27 |
| Cost of funding earning assets | 0.4132% | 3,501 |
| Net interest margin | 7.7754% | 20 |
| Noninterest income to average assets | 2.4401% | 252 |
| Noninterest expense to average assets | 3.8755% | 421 |
| Loan and lease loss provision to assets | 2.7403% | 20 |
| Net operating income to assets | 2.2568% | 173 |
| Return on assets (ROA) | 2.2568% | 185 |
| Pretax return on assets | 3.0018% | 122 |
| Return on Equity (ROE) | 11.2005% | 1,556 |
| Retained earnings to average equity (ytd only) | -3.4428% | 4,791 |
| Net charge-offs to loans | 2.8378% | 32 |
| Credit loss provision to net charge-offs | 125.3267% | 2,592 |
| Earnings coverage of net charge-offs (x) | 2.6261% | 3,149 |
| Efficiency ratio | 40.0888% | 4,867 |
| Assets per employee ($millions) | 8.8032% | 792 |
| Cash dividends to net income (ytd only)* | 130.7381% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9053% | 25 |
| Loan loss allowance to noncurrent loans | 752.6709% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 967 |
| Noncurrent loans to loans | 0.7846% | 1,765 |
| Net loans and leases to total assets | 68.4664% | 1,766 |
| Net loans and leases to deposits | 86.1626% | 1,242 |
| Net loans and leases to core deposits | 89.4930% | 1,568 |
| Total domestic deposits to total assets | 79.4619% | 4,147 |
| Equity capital to assets | 18.2645% | 255 |
| Core capital (leverage) ratio | 16.1042% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6970% | 527 |
| Memoranda: | ||
| Average total assets | $1,413,739,800 | 652 |
| Average earning assets | $1,305,042,800 | 646 |
| Average equity | $284,853,600 | 387 |
| Average total loans | $1,089,282,000 | 591 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3856% | 27 |
| Cost of funding earning assets | 0.4415% | 3,581 |
| Net interest margin | 7.9441% | 21 |
| Noninterest income to average assets | 2.3440% | 260 |
| Noninterest expense to average assets | 3.9151% | 406 |
| Loan and lease loss provision to assets | 3.0033% | 24 |
| Net operating income to assets | 2.0820% | 250 |
| Return on assets (ROA) | 2.0820% | 272 |
| Pretax return on assets | 2.7582% | 143 |
| Return on Equity (ROE) | 10.0837% | 1,983 |
| Retained earnings to average equity (ytd only) | 9.1863% | 938 |
| Net charge-offs to loans | 3.0922% | 32 |
| Credit loss provision to net charge-offs | 124.2275% | 2,474 |
| Earnings coverage of net charge-offs (x) | 2.3832% | 2,997 |
| Efficiency ratio | 40.2510% | 4,885 |
| Assets per employee ($millions) | 8.7934% | 750 |
| Cash dividends to net income (ytd only)* | 8.8993% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5024% | 35 |
| Loan loss allowance to noncurrent loans | 1,174.2217% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 1,390 |
| Noncurrent loans to loans | 0.4686% | 2,648 |
| Net loans and leases to total assets | 72.7780% | 1,539 |
| Net loans and leases to deposits | 94.4758% | 885 |
| Net loans and leases to core deposits | 98.1802% | 1,297 |
| Total domestic deposits to total assets | 77.0335% | 4,321 |
| Equity capital to assets | 20.5538% | 191 |
| Core capital (leverage) ratio | 18.8295% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6522% | 377 |
| Memoranda: | ||
| Average total assets | $1,397,441,750 | 643 |
| Average earning assets | $1,289,868,000 | 641 |
| Average equity | $288,537,250 | 374 |
| Average total loans | $1,092,572,500 | 580 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5007% | 28 |
| Cost of funding earning assets | 0.4766% | 3,673 |
| Net interest margin | 8.0241% | 23 |
| Noninterest income to average assets | 2.2268% | 262 |
| Noninterest expense to average assets | 3.9729% | 418 |
| Loan and lease loss provision to assets | 3.2167% | 26 |
| Net operating income to assets | 1.8497% | 454 |
| Return on assets (ROA) | 1.8497% | 498 |
| Pretax return on assets | 2.4403% | 235 |
| Return on Equity (ROE) | 8.9439% | 2,384 |
| Retained earnings to average equity (ytd only) | 8.2618% | 1,231 |
| Net charge-offs to loans | 3.4304% | 28 |
| Credit loss provision to net charge-offs | 119.3060% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.0982% | 2,802 |
| Efficiency ratio | 41.0427% | 4,887 |
| Assets per employee ($millions) | 8.8372% | 713 |
| Cash dividends to net income (ytd only)* | 7.6265% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1945% | 35 |
| Loan loss allowance to noncurrent loans | 520.0105% | 974 |
| Noncurrent assets plus other real estate owned to assets | 1.2144% | 895 |
| Noncurrent loans to loans | 0.9989% | 1,557 |
| Net loans and leases to total assets | 75.1384% | 1,255 |
| Net loans and leases to deposits | 97.3182% | 705 |
| Net loans and leases to core deposits | 101.6794% | 1,137 |
| Total domestic deposits to total assets | 77.2090% | 4,298 |
| Equity capital to assets | 20.2638% | 205 |
| Core capital (leverage) ratio | 18.4489% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7027% | 413 |
| Memoranda: | ||
| Average total assets | $1,376,690,000 | 636 |
| Average earning assets | $1,270,154,333 | 633 |
| Average equity | $284,708,667 | 375 |
| Average total loans | $1,082,031,000 | 578 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9110% | 32 |
| Cost of funding earning assets | 0.5533% | 3,678 |
| Net interest margin | 8.3578% | 25 |
| Noninterest income to average assets | 2.4081% | 207 |
| Noninterest expense to average assets | 4.0499% | 485 |
| Loan and lease loss provision to assets | 3.4634% | 29 |
| Net operating income to assets | 1.9328% | 308 |
| Return on assets (ROA) | 1.9328% | 336 |
| Pretax return on assets | 2.6053% | 140 |
| Return on Equity (ROE) | 9.2460% | 2,012 |
| Retained earnings to average equity (ytd only) | 9.2460% | 910 |
| Net charge-offs to loans | 4.0565% | 32 |
| Credit loss provision to net charge-offs | 109.1182% | 1,764 |
| Earnings coverage of net charge-offs (x) | 1.9120% | 2,330 |
| Efficiency ratio | 39.8189% | 4,979 |
| Assets per employee ($millions) | 8.0928% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3936% | 32 |
| Loan loss allowance to noncurrent loans | 454.2628% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 1.4741% | 738 |
| Noncurrent loans to loans | 1.1873% | 1,380 |
| Net loans and leases to total assets | 73.1410% | 1,759 |
| Net loans and leases to deposits | 95.2732% | 977 |
| Net loans and leases to core deposits | 100.3622% | 1,444 |
| Total domestic deposits to total assets | 76.7697% | 4,382 |
| Equity capital to assets | 20.8951% | 207 |
| Core capital (leverage) ratio | 19.0419% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6989% | 461 |
| Memoranda: | ||
| Average total assets | $1,344,807,000 | 618 |
| Average earning assets | $1,240,667,500 | 614 |
| Average equity | $281,117,500 | 379 |
| Average total loans | $1,052,228,000 | 570 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4674% | 28 |
| Cost of funding earning assets | 0.5055% | 4,069 |
| Net interest margin | 8.9619% | 23 |
| Noninterest income to average assets | 2.8283% | 167 |
| Noninterest expense to average assets | 4.2361% | 407 |
| Loan and lease loss provision to assets | 3.6471% | 17 |
| Net operating income to assets | 2.5001% | 135 |
| Return on assets (ROA) | 2.5078% | 141 |
| Pretax return on assets | 3.3170% | 84 |
| Return on Equity (ROE) | 10.7615% | 1,985 |
| Retained earnings to average equity (ytd only) | 9.2952% | 640 |
| Net charge-offs to loans | 4.3923% | 18 |
| Credit loss provision to net charge-offs | 103.8269% | 2,382 |
| Earnings coverage of net charge-offs (x) | 1.9797% | 3,466 |
| Efficiency ratio | 37.8371% | 5,092 |
| Assets per employee ($millions) | 7.9168% | 739 |
| Cash dividends to net income (ytd only)* | 13.6252% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2903% | 27 |
| Loan loss allowance to noncurrent loans | 518.2850% | 961 |
| Noncurrent assets plus other real estate owned to assets | 1.3769% | 766 |
| Noncurrent loans to loans | 1.0207% | 1,485 |
| Net loans and leases to total assets | 75.0082% | 1,585 |
| Net loans and leases to deposits | 97.4843% | 798 |
| Net loans and leases to core deposits | 103.3276% | 1,285 |
| Total domestic deposits to total assets | 76.9439% | 4,494 |
| Equity capital to assets | 20.9130% | 215 |
| Core capital (leverage) ratio | 18.4853% | 307 |
| Tier 1 risk-based capital ratio | 22.6807% | 946 |
| Total risk-based capital ratio | 23.9820% | 926 |
| Memoranda: | ||
| Average total assets | $1,136,676,000 | 696 |
| Average earning assets | $1,060,587,600 | 682 |
| Average equity | $264,889,000 | 378 |
| Average total loans | $909,039,600 | 636 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4782% | 29 |
| Cost of funding earning assets | 0.4768% | 4,234 |
| Net interest margin | 9.0014% | 24 |
| Noninterest income to average assets | 2.8941% | 163 |
| Noninterest expense to average assets | 4.2576% | 384 |
| Loan and lease loss provision to assets | 3.6063% | 18 |
| Net operating income to assets | 2.6261% | 136 |
| Return on assets (ROA) | 2.6370% | 141 |
| Pretax return on assets | 3.4678% | 84 |
| Return on Equity (ROE) | 10.9718% | 2,028 |
| Retained earnings to average equity (ytd only) | 9.4869% | 901 |
| Net charge-offs to loans | 4.4433% | 22 |
| Credit loss provision to net charge-offs | 101.1859% | 2,228 |
| Earnings coverage of net charge-offs (x) | 1.9810% | 3,234 |
| Efficiency ratio | 37.5934% | 5,157 |
| Assets per employee ($millions) | 7.8934% | 723 |
| Cash dividends to net income (ytd only)* | 13.5331% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1287% | 38 |
| Loan loss allowance to noncurrent loans | 549.1643% | 905 |
| Noncurrent assets plus other real estate owned to assets | 1.5347% | 707 |
| Noncurrent loans to loans | 0.9339% | 1,722 |
| Net loans and leases to total assets | 76.0843% | 1,465 |
| Net loans and leases to deposits | 99.3484% | 697 |
| Net loans and leases to core deposits | 104.8165% | 1,277 |
| Total domestic deposits to total assets | 76.5833% | 4,575 |
| Equity capital to assets | 20.5239% | 237 |
| Core capital (leverage) ratio | 19.9018% | 252 |
| Tier 1 risk-based capital ratio | 21.6807% | 1,116 |
| Total risk-based capital ratio | 22.9794% | 1,080 |
| Memoranda: | ||
| Average total assets | $1,088,337,500 | 729 |
| Average earning assets | $1,018,508,250 | 713 |
| Average equity | $261,574,000 | 384 |
| Average total loans | $872,960,000 | 663 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5607% | 26 |
| Cost of funding earning assets | 0.4181% | 4,439 |
| Net interest margin | 9.1426% | 23 |
| Noninterest income to average assets | 3.0063% | 153 |
| Noninterest expense to average assets | 4.3574% | 346 |
| Loan and lease loss provision to assets | 3.8157% | 15 |
| Net operating income to assets | 2.7165% | 117 |
| Return on assets (ROA) | 2.7165% | 123 |
| Pretax return on assets | 3.4838% | 86 |
| Return on Equity (ROE) | 10.6230% | 2,125 |
| Retained earnings to average equity (ytd only) | 9.1171% | 997 |
| Net charge-offs to loans | 4.9103% | 17 |
| Credit loss provision to net charge-offs | 96.8752% | 2,051 |
| Earnings coverage of net charge-offs (x) | 1.8532% | 2,986 |
| Efficiency ratio | 37.3806% | 5,197 |
| Assets per employee ($millions) | 7.8671% | 703 |
| Cash dividends to net income (ytd only)* | 14.1763% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4988% | 16 |
| Loan loss allowance to noncurrent loans | 365.7632% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 1.5747% | 694 |
| Noncurrent loans to loans | 1.7768% | 849 |
| Net loans and leases to total assets | 75.9554% | 1,555 |
| Net loans and leases to deposits | 107.2641% | 297 |
| Net loans and leases to core deposits | 112.1804% | 861 |
| Total domestic deposits to total assets | 70.8115% | 5,020 |
| Equity capital to assets | 26.1543% | 109 |
| Core capital (leverage) ratio | 25.8286% | 107 |
| Tier 1 risk-based capital ratio | 29.9730% | 482 |
| Total risk-based capital ratio | 31.2871% | 475 |
| Memoranda: | ||
| Average total assets | $1,009,084,670 | 775 |
| Average earning assets | $954,781,670 | 754 |
| Average equity | $258,043,000 | 389 |
| Average total loans | $809,448,670 | 709 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5322% | 26 |
| Cost of funding earning assets | 0.3862% | 4,546 |
| Net interest margin | 9.1460% | 23 |
| Noninterest income to average assets | 2.9358% | 148 |
| Noninterest expense to average assets | 4.3721% | 347 |
| Loan and lease loss provision to assets | 3.8096% | 13 |
| Net operating income to assets | 2.7020% | 118 |
| Return on assets (ROA) | 2.7020% | 129 |
| Pretax return on assets | 3.4152% | 93 |
| Return on Equity (ROE) | 10.6892% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.1621% | 1,255 |
| Net charge-offs to loans | 4.8526% | 18 |
| Credit loss provision to net charge-offs | 98.4993% | 1,644 |
| Earnings coverage of net charge-offs (x) | 1.8680% | 2,551 |
| Efficiency ratio | 37.7005% | 5,242 |
| Assets per employee ($millions) | 7.6877% | 752 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7199% | 14 |
| Loan loss allowance to noncurrent loans | 449.5343% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 1.3163% | 986 |
| Noncurrent loans to loans | 1.4949% | 1,079 |
| Net loans and leases to total assets | 73.9379% | 1,820 |
| Net loans and leases to deposits | 103.1223% | 438 |
| Net loans and leases to core deposits | 107.8532% | 1,062 |
| Total domestic deposits to total assets | 71.6992% | 5,055 |
| Equity capital to assets | 25.4108% | 111 |
| Core capital (leverage) ratio | 25.2859% | 110 |
| Tier 1 risk-based capital ratio | 30.0810% | 472 |
| Total risk-based capital ratio | 31.3979% | 459 |
| Memoranda: | ||
| Average total assets | $1,006,202,000 | 783 |
| Average earning assets | $952,852,500 | 760 |
| Average equity | $254,351,000 | 390 |
| Average total loans | $801,968,000 | 716 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5379% | 25 |
| Cost of funding earning assets | 0.2997% | 4,571 |
| Net interest margin | 9.2382% | 19 |
| Noninterest income to average assets | 3.0876% | 149 |
| Noninterest expense to average assets | 4.2818% | 371 |
| Loan and lease loss provision to assets | 3.9507% | 15 |
| Net operating income to assets | 2.5890% | 125 |
| Return on assets (ROA) | 2.5786% | 126 |
| Pretax return on assets | 3.5705% | 65 |
| Return on Equity (ROE) | 10.4534% | 2,319 |
| Retained earnings to average equity (ytd only) | 8.8352% | 926 |
| Net charge-offs to loans | 4.6068% | 19 |
| Credit loss provision to net charge-offs | 108.4003% | 2,365 |
| Earnings coverage of net charge-offs (x) | 2.0673% | 3,558 |
| Efficiency ratio | 36.2372% | 5,325 |
| Assets per employee ($millions) | 7.6155% | 759 |
| Cash dividends to net income (ytd only)* | 15.4806% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7783% | 15 |
| Loan loss allowance to noncurrent loans | 442.5049% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 1.3613% | 915 |
| Noncurrent loans to loans | 1.5318% | 986 |
| Net loans and leases to total assets | 74.7155% | 1,807 |
| Net loans and leases to deposits | 103.7269% | 492 |
| Net loans and leases to core deposits | 107.8446% | 1,126 |
| Total domestic deposits to total assets | 72.0309% | 5,070 |
| Equity capital to assets | 25.1436% | 107 |
| Core capital (leverage) ratio | 25.1866% | 111 |
| Tier 1 risk-based capital ratio | 29.4536% | 490 |
| Total risk-based capital ratio | 30.7708% | 480 |
| Memoranda: | ||
| Average total assets | $972,721,000 | 790 |
| Average earning assets | $919,042,000 | 764 |
| Average equity | $239,949,600 | 398 |
| Average total loans | $769,536,200 | 727 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4915% | 25 |
| Cost of funding earning assets | 0.2875% | 4,600 |
| Net interest margin | 9.2040% | 21 |
| Noninterest income to average assets | 3.1028% | 156 |
| Noninterest expense to average assets | 4.2791% | 363 |
| Loan and lease loss provision to assets | 3.8503% | 17 |
| Net operating income to assets | 2.6171% | 130 |
| Return on assets (ROA) | 2.6171% | 128 |
| Pretax return on assets | 3.6658% | 68 |
| Return on Equity (ROE) | 10.6624% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.0252% | 1,209 |
| Net charge-offs to loans | 4.5819% | 23 |
| Credit loss provision to net charge-offs | 106.5796% | 2,170 |
| Earnings coverage of net charge-offs (x) | 2.0805% | 3,283 |
| Efficiency ratio | 36.2787% | 5,385 |
| Assets per employee ($millions) | 7.5599% | 751 |
| Cash dividends to net income (ytd only)* | 15.3550% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6755% | 17 |
| Loan loss allowance to noncurrent loans | 928.8246% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 2,069 |
| Noncurrent loans to loans | 0.7187% | 2,281 |
| Net loans and leases to total assets | 76.4890% | 1,586 |
| Net loans and leases to deposits | 106.9168% | 403 |
| Net loans and leases to core deposits | 111.6438% | 935 |
| Total domestic deposits to total assets | 71.5407% | 5,161 |
| Equity capital to assets | 25.2987% | 110 |
| Core capital (leverage) ratio | 25.1624% | 107 |
| Tier 1 risk-based capital ratio | 29.2378% | 512 |
| Total risk-based capital ratio | 30.5543% | 502 |
| Memoranda: | ||
| Average total assets | $966,493,000 | 792 |
| Average earning assets | $912,765,500 | 768 |
| Average equity | $237,226,750 | 398 |
| Average total loans | $762,024,250 | 728 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3339% | 27 |
| Cost of funding earning assets | 0.2791% | 4,568 |
| Net interest margin | 9.0548% | 24 |
| Noninterest income to average assets | 3.0703% | 156 |
| Noninterest expense to average assets | 4.2710% | 376 |
| Loan and lease loss provision to assets | 3.8095% | 16 |
| Net operating income to assets | 2.4788% | 155 |
| Return on assets (ROA) | 2.4788% | 154 |
| Pretax return on assets | 3.5464% | 72 |
| Return on Equity (ROE) | 10.2036% | 2,474 |
| Retained earnings to average equity (ytd only) | 8.5488% | 1,380 |
| Net charge-offs to loans | 4.9070% | 19 |
| Credit loss provision to net charge-offs | 99.7831% | 2,073 |
| Earnings coverage of net charge-offs (x) | 1.9267% | 3,013 |
| Efficiency ratio | 36.7335% | 5,442 |
| Assets per employee ($millions) | 7.5640% | 747 |
| Cash dividends to net income (ytd only)* | 16.2185% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6799% | 18 |
| Loan loss allowance to noncurrent loans | 970.7891% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.6705% | 2,223 |
| Noncurrent loans to loans | 0.6881% | 2,386 |
| Net loans and leases to total assets | 73.8487% | 1,963 |
| Net loans and leases to deposits | 102.1748% | 648 |
| Net loans and leases to core deposits | 106.2905% | 1,223 |
| Total domestic deposits to total assets | 72.2768% | 5,160 |
| Equity capital to assets | 24.7056% | 113 |
| Core capital (leverage) ratio | 24.5049% | 115 |
| Tier 1 risk-based capital ratio | 29.3886% | 497 |
| Total risk-based capital ratio | 30.7047% | 490 |
| Memoranda: | ||
| Average total assets | $966,103,670 | 795 |
| Average earning assets | $912,950,000 | 769 |
| Average equity | $234,700,330 | 398 |
| Average total loans | $751,666,670 | 736 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3507% | 26 |
| Cost of funding earning assets | 0.2676% | 4,599 |
| Net interest margin | 9.0831% | 22 |
| Noninterest income to average assets | 2.9843% | 161 |
| Noninterest expense to average assets | 4.2580% | 372 |
| Loan and lease loss provision to assets | 3.8356% | 15 |
| Net operating income to assets | 2.4869% | 145 |
| Return on assets (ROA) | 2.4869% | 147 |
| Pretax return on assets | 3.4738% | 78 |
| Return on Equity (ROE) | 10.3247% | 2,266 |
| Retained earnings to average equity (ytd only) | 8.6538% | 1,600 |
| Net charge-offs to loans | 5.4094% | 14 |
| Credit loss provision to net charge-offs | 91.9241% | 1,656 |
| Earnings coverage of net charge-offs (x) | 1.7518% | 2,525 |
| Efficiency ratio | 36.8102% | 5,506 |
| Assets per employee ($millions) | 7.6331% | 728 |
| Cash dividends to net income (ytd only)* | 16.1833% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7390% | 18 |
| Loan loss allowance to noncurrent loans | 753.8059% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 1,628 |
| Noncurrent loans to loans | 0.8940% | 2,037 |
| Net loans and leases to total assets | 72.5312% | 2,088 |
| Net loans and leases to deposits | 99.4165% | 754 |
| Net loans and leases to core deposits | 115.1961% | 753 |
| Total domestic deposits to total assets | 72.9569% | 5,223 |
| Equity capital to assets | 24.3606% | 112 |
| Core capital (leverage) ratio | 24.0172% | 121 |
| Tier 1 risk-based capital ratio | 29.4066% | 494 |
| Total risk-based capital ratio | 30.7232% | 487 |
| Memoranda: | ||
| Average total assets | $965,059,500 | 793 |
| Average earning assets | $911,931,500 | 768 |
| Average equity | $232,451,500 | 407 |
| Average total loans | $744,411,500 | 741 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6260% | 23 |
| Cost of funding earning assets | 0.2583% | 4,499 |
| Net interest margin | 9.3676% | 20 |
| Noninterest income to average assets | 3.3561% | 154 |
| Noninterest expense to average assets | 4.3531% | 354 |
| Loan and lease loss provision to assets | 4.4422% | 14 |
| Net operating income to assets | 1.6006% | 652 |
| Return on assets (ROA) | 1.6002% | 666 |
| Pretax return on assets | 3.3839% | 80 |
| Return on Equity (ROE) | 6.6283% | 3,464 |
| Retained earnings to average equity (ytd only) | 4.9150% | 2,180 |
| Net charge-offs to loans | 5.0100% | 16 |
| Credit loss provision to net charge-offs | 114.4331% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.0162% | 3,814 |
| Efficiency ratio | 35.7405% | 5,586 |
| Assets per employee ($millions) | 7.6853% | 704 |
| Cash dividends to net income (ytd only)* | 25.8485% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9139% | 15 |
| Loan loss allowance to noncurrent loans | 687.5168% | 855 |
| Noncurrent assets plus other real estate owned to assets | 1.0490% | 1,457 |
| Noncurrent loans to loans | 1.0056% | 1,765 |
| Net loans and leases to total assets | 71.2153% | 2,346 |
| Net loans and leases to deposits | 96.7866% | 1,014 |
| Net loans and leases to core deposits | 112.2489% | 887 |
| Total domestic deposits to total assets | 73.5797% | 5,220 |
| Equity capital to assets | 23.8148% | 120 |
| Core capital (leverage) ratio | 23.4486% | 119 |
| Tier 1 risk-based capital ratio | 30.5944% | 440 |
| Total risk-based capital ratio | 31.9175% | 431 |
| Memoranda: | ||
| Average total assets | $938,986,200 | 791 |
| Average earning assets | $884,462,400 | 766 |
| Average equity | $226,693,200 | 399 |
| Average total loans | $727,561,000 | 728 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6735% | 23 |
| Cost of funding earning assets | 0.2570% | 4,507 |
| Net interest margin | 9.4165% | 19 |
| Noninterest income to average assets | 3.3835% | 161 |
| Noninterest expense to average assets | 4.4133% | 339 |
| Loan and lease loss provision to assets | 4.4246% | 17 |
| Net operating income to assets | 2.0967% | 267 |
| Return on assets (ROA) | 2.0969% | 273 |
| Pretax return on assets | 3.4069% | 91 |
| Return on Equity (ROE) | 8.6550% | 2,785 |
| Retained earnings to average equity (ytd only) | 6.9343% | 1,727 |
| Net charge-offs to loans | 4.9478% | 17 |
| Credit loss provision to net charge-offs | 115.0357% | 2,077 |
| Earnings coverage of net charge-offs (x) | 2.0361% | 3,514 |
| Efficiency ratio | 36.0430% | 5,638 |
| Assets per employee ($millions) | 7.4557% | 777 |
| Cash dividends to net income (ytd only)* | 19.8812% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7689% | 15 |
| Loan loss allowance to noncurrent loans | 730.0336% | 766 |
| Noncurrent assets plus other real estate owned to assets | 1.0173% | 1,661 |
| Noncurrent loans to loans | 0.9272% | 2,071 |
| Net loans and leases to total assets | 73.3083% | 2,040 |
| Net loans and leases to deposits | 100.7097% | 701 |
| Net loans and leases to core deposits | 115.6304% | 761 |
| Total domestic deposits to total assets | 72.7917% | 5,331 |
| Equity capital to assets | 24.6926% | 110 |
| Core capital (leverage) ratio | 24.1044% | 112 |
| Tier 1 risk-based capital ratio | 30.4605% | 460 |
| Total risk-based capital ratio | 31.7809% | 453 |
| Memoranda: | ||
| Average total assets | $931,646,000 | 802 |
| Average earning assets | $876,696,500 | 779 |
| Average equity | $225,714,000 | 403 |
| Average total loans | $724,243,500 | 725 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6642% | 25 |
| Cost of funding earning assets | 0.2542% | 4,504 |
| Net interest margin | 9.4100% | 21 |
| Noninterest income to average assets | 3.3727% | 166 |
| Noninterest expense to average assets | 4.4518% | 335 |
| Loan and lease loss provision to assets | 4.3435% | 17 |
| Net operating income to assets | 2.1182% | 251 |
| Return on assets (ROA) | 2.1185% | 256 |
| Pretax return on assets | 3.4388% | 94 |
| Return on Equity (ROE) | 8.8011% | 2,605 |
| Retained earnings to average equity (ytd only) | 7.0643% | 1,569 |
| Net charge-offs to loans | 5.1796% | 21 |
| Credit loss provision to net charge-offs | 108.2922% | 1,910 |
| Earnings coverage of net charge-offs (x) | 1.9402% | 3,230 |
| Efficiency ratio | 36.3899% | 5,691 |
| Assets per employee ($millions) | 7.4664% | 752 |
| Cash dividends to net income (ytd only)* | 19.7338% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4219% | 22 |
| Loan loss allowance to noncurrent loans | 939.5570% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 2,151 |
| Noncurrent loans to loans | 0.6835% | 2,705 |
| Net loans and leases to total assets | 73.5799% | 1,946 |
| Net loans and leases to deposits | 100.3316% | 712 |
| Net loans and leases to core deposits | 115.7581% | 723 |
| Total domestic deposits to total assets | 73.3366% | 5,350 |
| Equity capital to assets | 24.2583% | 110 |
| Core capital (leverage) ratio | 23.9691% | 112 |
| Tier 1 risk-based capital ratio | 29.7962% | 471 |
| Total risk-based capital ratio | 31.1122% | 463 |
| Memoranda: | ||
| Average total assets | $929,056,670 | 810 |
| Average earning assets | $874,855,000 | 785 |
| Average equity | $223,630,000 | 406 |
| Average total loans | $719,435,330 | 735 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7617% | 24 |
| Cost of funding earning assets | 0.2526% | 4,514 |
| Net interest margin | 9.5091% | 21 |
| Noninterest income to average assets | 3.3873% | 180 |
| Noninterest expense to average assets | 4.5173% | 326 |
| Loan and lease loss provision to assets | 4.3063% | 15 |
| Net operating income to assets | 2.1711% | 235 |
| Return on assets (ROA) | 2.1711% | 242 |
| Pretax return on assets | 3.5186% | 100 |
| Return on Equity (ROE) | 9.0558% | 2,389 |
| Retained earnings to average equity (ytd only) | 7.3011% | 1,750 |
| Net charge-offs to loans | 5.6343% | 15 |
| Credit loss provision to net charge-offs | 99.4795% | 1,623 |
| Earnings coverage of net charge-offs (x) | 1.8076% | 2,679 |
| Efficiency ratio | 36.6004% | 5,744 |
| Assets per employee ($millions) | 7.1332% | 889 |
| Cash dividends to net income (ytd only)* | 19.3774% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4856% | 23 |
| Loan loss allowance to noncurrent loans | 868.9570% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 2,136 |
| Noncurrent loans to loans | 0.7464% | 2,627 |
| Net loans and leases to total assets | 71.9337% | 2,082 |
| Net loans and leases to deposits | 98.0139% | 772 |
| Net loans and leases to core deposits | 113.9622% | 678 |
| Total domestic deposits to total assets | 73.3913% | 5,458 |
| Equity capital to assets | 24.2840% | 116 |
| Core capital (leverage) ratio | 23.7265% | 115 |
| Tier 1 risk-based capital ratio | 29.9721% | 479 |
| Total risk-based capital ratio | 31.2872% | 480 |
| Memoranda: | ||
| Average total assets | $923,201,500 | 814 |
| Average earning assets | $869,402,000 | 795 |
| Average equity | $221,338,000 | 411 |
| Average total loans | $709,293,500 | 743 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8351% | 23 |
| Cost of funding earning assets | 0.2191% | 4,839 |
| Net interest margin | 9.6160% | 20 |
| Noninterest income to average assets | 3.6477% | 159 |
| Noninterest expense to average assets | 4.9438% | 265 |
| Loan and lease loss provision to assets | 3.9971% | 14 |
| Net operating income to assets | 2.3401% | 186 |
| Return on assets (ROA) | 2.3401% | 193 |
| Pretax return on assets | 3.7694% | 75 |
| Return on Equity (ROE) | 9.7000% | 2,105 |
| Retained earnings to average equity (ytd only) | 7.8720% | 892 |
| Net charge-offs to loans | 4.3888% | 16 |
| Credit loss provision to net charge-offs | 115.6092% | 2,274 |
| Earnings coverage of net charge-offs (x) | 2.2463% | 3,860 |
| Efficiency ratio | 38.8960% | 5,800 |
| Assets per employee ($millions) | 7.2361% | 826 |
| Cash dividends to net income (ytd only)* | 18.8452% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4662% | 18 |
| Loan loss allowance to noncurrent loans | 704.2446% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.8480% | 2,226 |
| Noncurrent loans to loans | 0.9182% | 2,259 |
| Net loans and leases to total assets | 71.7756% | 2,196 |
| Net loans and leases to deposits | 97.2426% | 892 |
| Net loans and leases to core deposits | 111.5567% | 799 |
| Total domestic deposits to total assets | 73.8108% | 5,455 |
| Equity capital to assets | 23.6681% | 119 |
| Core capital (leverage) ratio | 23.3523% | 120 |
| Tier 1 risk-based capital ratio | 29.0007% | 515 |
| Total risk-based capital ratio | 30.3156% | 505 |
| Memoranda: | ||
| Average total assets | $880,720,000 | 824 |
| Average earning assets | $830,037,200 | 799 |
| Average equity | $212,475,000 | 411 |
| Average total loans | $693,805,200 | 726 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8178% | 22 |
| Cost of funding earning assets | 0.2122% | 4,953 |
| Net interest margin | 9.6056% | 19 |
| Noninterest income to average assets | 3.6785% | 164 |
| Noninterest expense to average assets | 5.0168% | 263 |
| Loan and lease loss provision to assets | 3.7844% | 12 |
| Net operating income to assets | 2.4493% | 167 |
| Return on assets (ROA) | 2.4493% | 174 |
| Pretax return on assets | 3.9310% | 72 |
| Return on Equity (ROE) | 10.1015% | 2,011 |
| Retained earnings to average equity (ytd only) | 8.2589% | 1,060 |
| Net charge-offs to loans | 4.0544% | 22 |
| Credit loss provision to net charge-offs | 117.6737% | 2,126 |
| Earnings coverage of net charge-offs (x) | 2.3991% | 3,579 |
| Efficiency ratio | 39.4028% | 5,841 |
| Assets per employee ($millions) | 7.0378% | 880 |
| Cash dividends to net income (ytd only)* | 18.2404% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3454% | 21 |
| Loan loss allowance to noncurrent loans | 720.6675% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 2,604 |
| Noncurrent loans to loans | 0.8805% | 2,498 |
| Net loans and leases to total assets | 74.7518% | 1,748 |
| Net loans and leases to deposits | 102.2955% | 551 |
| Net loans and leases to core deposits | 113.6436% | 738 |
| Total domestic deposits to total assets | 73.0743% | 5,516 |
| Equity capital to assets | 24.4915% | 116 |
| Core capital (leverage) ratio | 23.7850% | 115 |
| Tier 1 risk-based capital ratio | 29.4070% | 504 |
| Total risk-based capital ratio | 30.7214% | 497 |
| Memoranda: | ||
| Average total assets | $869,344,500 | 833 |
| Average earning assets | $819,388,750 | 810 |
| Average equity | $210,789,000 | 415 |
| Average total loans | $689,566,500 | 725 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6860% | 22 |
| Cost of funding earning assets | 0.2005% | 5,135 |
| Net interest margin | 9.4855% | 19 |
| Noninterest income to average assets | 3.6184% | 167 |
| Noninterest expense to average assets | 5.0270% | 260 |
| Loan and lease loss provision to assets | 3.4901% | 15 |
| Net operating income to assets | 2.5236% | 148 |
| Return on assets (ROA) | 2.5236% | 150 |
| Pretax return on assets | 4.0424% | 68 |
| Return on Equity (ROE) | 10.4439% | 1,871 |
| Retained earnings to average equity (ytd only) | 8.5825% | 982 |
| Net charge-offs to loans | 4.0094% | 31 |
| Credit loss provision to net charge-offs | 109.9766% | 1,961 |
| Earnings coverage of net charge-offs (x) | 2.3736% | 3,285 |
| Efficiency ratio | 40.0254% | 5,908 |
| Assets per employee ($millions) | 7.0633% | 847 |
| Cash dividends to net income (ytd only)* | 17.8231% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1975% | 23 |
| Loan loss allowance to noncurrent loans | 707.5453% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 2,703 |
| Noncurrent loans to loans | 0.8759% | 2,548 |
| Net loans and leases to total assets | 72.9815% | 2,019 |
| Net loans and leases to deposits | 99.4123% | 743 |
| Net loans and leases to core deposits | 109.4493% | 958 |
| Total domestic deposits to total assets | 73.4129% | 5,574 |
| Equity capital to assets | 24.1522% | 111 |
| Core capital (leverage) ratio | 23.8244% | 107 |
| Tier 1 risk-based capital ratio | 29.8126% | 507 |
| Total risk-based capital ratio | 31.1254% | 493 |
| Memoranda: | ||
| Average total assets | $863,538,000 | 845 |
| Average earning assets | $813,978,670 | 816 |
| Average equity | $208,658,000 | 417 |
| Average total loans | $683,494,000 | 731 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7821% | 23 |
| Cost of funding earning assets | 0.1899% | 5,285 |
| Net interest margin | 9.5922% | 18 |
| Noninterest income to average assets | 3.5692% | 173 |
| Noninterest expense to average assets | 5.0140% | 271 |
| Loan and lease loss provision to assets | 3.2821% | 18 |
| Net operating income to assets | 2.7087% | 120 |
| Return on assets (ROA) | 2.7087% | 120 |
| Pretax return on assets | 4.3104% | 66 |
| Return on Equity (ROE) | 11.2073% | 1,531 |
| Retained earnings to average equity (ytd only) | 9.3252% | 1,019 |
| Net charge-offs to loans | 4.2090% | 22 |
| Credit loss provision to net charge-offs | 97.6582% | 1,697 |
| Earnings coverage of net charge-offs (x) | 2.2591% | 2,713 |
| Efficiency ratio | 39.7733% | 5,971 |
| Assets per employee ($millions) | 6.8768% | 943 |
| Cash dividends to net income (ytd only)* | 16.7935% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0251% | 32 |
| Loan loss allowance to noncurrent loans | 606.8915% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.8667% | 2,528 |
| Noncurrent loans to loans | 0.9928% | 2,402 |
| Net loans and leases to total assets | 74.4620% | 1,654 |
| Net loans and leases to deposits | 101.6586% | 522 |
| Net loans and leases to core deposits | 111.7066% | 765 |
| Total domestic deposits to total assets | 73.2472% | 5,672 |
| Equity capital to assets | 24.2969% | 108 |
| Core capital (leverage) ratio | 23.9391% | 109 |
| Tier 1 risk-based capital ratio | 29.4580% | 528 |
| Total risk-based capital ratio | 30.7686% | 518 |
| Memoranda: | ||
| Average total assets | $853,850,000 | 857 |
| Average earning assets | $804,446,500 | 830 |
| Average equity | $206,365,500 | 416 |
| Average total loans | $681,772,500 | 732 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6034% | 22 |
| Cost of funding earning assets | 0.1768% | 5,490 |
| Net interest margin | 9.4266% | 18 |
| Noninterest income to average assets | 3.6554% | 172 |
| Noninterest expense to average assets | 4.8830% | 306 |
| Loan and lease loss provision to assets | 3.1965% | 12 |
| Net operating income to assets | 2.7616% | 108 |
| Return on assets (ROA) | 2.7616% | 107 |
| Pretax return on assets | 4.4344% | 63 |
| Return on Equity (ROE) | 11.3918% | 1,469 |
| Retained earnings to average equity (ytd only) | 9.4012% | 557 |
| Net charge-offs to loans | 3.5834% | 20 |
| Credit loss provision to net charge-offs | 112.6527% | 2,251 |
| Earnings coverage of net charge-offs (x) | 2.6893% | 3,847 |
| Efficiency ratio | 39.0206% | 6,078 |
| Assets per employee ($millions) | 6.6257% | 1,036 |
| Cash dividends to net income (ytd only)* | 17.4737% | 3,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0382% | 33 |
| Loan loss allowance to noncurrent loans | 621.3209% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 2,564 |
| Noncurrent loans to loans | 0.9718% | 2,388 |
| Net loans and leases to total assets | 75.6073% | 1,477 |
| Net loans and leases to deposits | 102.9760% | 489 |
| Net loans and leases to core deposits | 113.9345% | 684 |
| Total domestic deposits to total assets | 73.4223% | 5,694 |
| Equity capital to assets | 24.0390% | 112 |
| Core capital (leverage) ratio | 23.9241% | 104 |
| Tier 1 risk-based capital ratio | 28.7978% | 562 |
| Total risk-based capital ratio | 30.1091% | 547 |
| Memoranda: | ||
| Average total assets | $804,691,400 | 861 |
| Average earning assets | $756,187,600 | 842 |
| Average equity | $195,070,600 | 424 |
| Average total loans | $637,193,000 | 734 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5870% | 23 |
| Cost of funding earning assets | 0.1767% | 5,581 |
| Net interest margin | 9.4103% | 19 |
| Noninterest income to average assets | 3.6599% | 172 |
| Noninterest expense to average assets | 4.8390% | 321 |
| Loan and lease loss provision to assets | 2.9429% | 16 |
| Net operating income to assets | 2.9453% | 91 |
| Return on assets (ROA) | 2.9453% | 91 |
| Pretax return on assets | 4.7164% | 59 |
| Return on Equity (ROE) | 12.1225% | 1,342 |
| Retained earnings to average equity (ytd only) | 10.1088% | 615 |
| Net charge-offs to loans | 3.3820% | 28 |
| Credit loss provision to net charge-offs | 110.3679% | 2,113 |
| Earnings coverage of net charge-offs (x) | 2.8724% | 3,592 |
| Efficiency ratio | 38.7172% | 6,152 |
| Assets per employee ($millions) | 6.5254% | 1,062 |
| Cash dividends to net income (ytd only)* | 16.6115% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1440% | 32 |
| Loan loss allowance to noncurrent loans | 952.6341% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 3,529 |
| Noncurrent loans to loans | 0.6450% | 3,387 |
| Net loans and leases to total assets | 76.0590% | 1,381 |
| Net loans and leases to deposits | 105.1351% | 400 |
| Net loans and leases to core deposits | 116.6762% | 561 |
| Total domestic deposits to total assets | 72.3440% | 5,841 |
| Equity capital to assets | 24.9388% | 97 |
| Core capital (leverage) ratio | 24.3169% | 99 |
| Tier 1 risk-based capital ratio | 29.5646% | 548 |
| Total risk-based capital ratio | 30.8773% | 535 |
| Memoranda: | ||
| Average total assets | $793,840,750 | 880 |
| Average earning assets | $745,586,000 | 860 |
| Average equity | $192,870,000 | 433 |
| Average total loans | $625,884,500 | 753 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3422% | 25 |
| Cost of funding earning assets | 0.1798% | 5,615 |
| Net interest margin | 9.1625% | 19 |
| Noninterest income to average assets | 3.5665% | 179 |
| Noninterest expense to average assets | 4.7932% | 338 |
| Loan and lease loss provision to assets | 2.7793% | 16 |
| Net operating income to assets | 2.9240% | 96 |
| Return on assets (ROA) | 2.9240% | 98 |
| Pretax return on assets | 4.6036% | 64 |
| Return on Equity (ROE) | 12.1436% | 1,332 |
| Retained earnings to average equity (ytd only) | 10.1051% | 645 |
| Net charge-offs to loans | 3.3926% | 31 |
| Credit loss provision to net charge-offs | 104.8960% | 1,986 |
| Earnings coverage of net charge-offs (x) | 2.7864% | 3,286 |
| Efficiency ratio | 39.3657% | 6,213 |
| Assets per employee ($millions) | 6.3204% | 1,135 |
| Cash dividends to net income (ytd only)* | 16.7863% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0011% | 39 |
| Loan loss allowance to noncurrent loans | 1,073.2449% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.5211% | 3,876 |
| Noncurrent loans to loans | 0.5592% | 3,774 |
| Net loans and leases to total assets | 76.9845% | 1,223 |
| Net loans and leases to deposits | 106.2588% | 368 |
| Net loans and leases to core deposits | 117.7585% | 536 |
| Total domestic deposits to total assets | 72.4500% | 5,913 |
| Equity capital to assets | 24.6911% | 96 |
| Core capital (leverage) ratio | 23.8002% | 108 |
| Tier 1 risk-based capital ratio | 29.0665% | 583 |
| Total risk-based capital ratio | 30.3780% | 575 |
| Memoranda: | ||
| Average total assets | $790,911,000 | 889 |
| Average earning assets | $743,183,670 | 863 |
| Average equity | $190,438,000 | 438 |
| Average total loans | $617,701,000 | 769 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1766% | 26 |
| Cost of funding earning assets | 0.1877% | 5,621 |
| Net interest margin | 8.9890% | 20 |
| Noninterest income to average assets | 3.4281% | 192 |
| Noninterest expense to average assets | 4.7651% | 352 |
| Loan and lease loss provision to assets | 2.5744% | 21 |
| Net operating income to assets | 2.9070% | 91 |
| Return on assets (ROA) | 2.9070% | 96 |
| Pretax return on assets | 4.5391% | 70 |
| Return on Equity (ROE) | 12.2283% | 1,288 |
| Retained earnings to average equity (ytd only) | 10.1637% | 878 |
| Net charge-offs to loans | 3.7935% | 32 |
| Credit loss provision to net charge-offs | 89.0540% | 1,749 |
| Earnings coverage of net charge-offs (x) | 2.4607% | 2,748 |
| Efficiency ratio | 40.1149% | 6,266 |
| Assets per employee ($millions) | 6.3643% | 1,156 |
| Cash dividends to net income (ytd only)* | 16.8840% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2649% | 31 |
| Loan loss allowance to noncurrent loans | 1,044.3613% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 3,880 |
| Noncurrent loans to loans | 0.5999% | 3,777 |
| Net loans and leases to total assets | 71.4585% | 1,903 |
| Net loans and leases to deposits | 97.4962% | 722 |
| Net loans and leases to core deposits | 106.8827% | 882 |
| Total domestic deposits to total assets | 73.2936% | 5,953 |
| Equity capital to assets | 24.1493% | 104 |
| Core capital (leverage) ratio | 23.1960% | 114 |
| Tier 1 risk-based capital ratio | 30.4722% | 517 |
| Total risk-based capital ratio | 31.7874% | 513 |
| Memoranda: | ||
| Average total assets | $791,341,000 | 891 |
| Average earning assets | $743,932,000 | 860 |
| Average equity | $188,121,000 | 440 |
| Average total loans | $603,028,000 | 776 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2175% | 26 |
| Cost of funding earning assets | 0.1722% | 5,966 |
| Net interest margin | 9.0453% | 21 |
| Noninterest income to average assets | 3.4962% | 161 |
| Noninterest expense to average assets | 4.8033% | 360 |
| Loan and lease loss provision to assets | 2.8777% | 17 |
| Net operating income to assets | 2.6371% | 126 |
| Return on assets (ROA) | 2.6371% | 125 |
| Pretax return on assets | 4.2508% | 68 |
| Return on Equity (ROE) | 11.1842% | 1,664 |
| Retained earnings to average equity (ytd only) | 8.9979% | 705 |
| Net charge-offs to loans | 3.4135% | 26 |
| Credit loss provision to net charge-offs | 111.9822% | 2,123 |
| Earnings coverage of net charge-offs (x) | 2.7739% | 4,065 |
| Efficiency ratio | 40.2563% | 6,395 |
| Assets per employee ($millions) | 6.3481% | 1,149 |
| Cash dividends to net income (ytd only)* | 19.5480% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3393% | 32 |
| Loan loss allowance to noncurrent loans | 940.5253% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 3,808 |
| Noncurrent loans to loans | 0.6740% | 3,660 |
| Net loans and leases to total assets | 71.3435% | 2,026 |
| Net loans and leases to deposits | 96.6047% | 861 |
| Net loans and leases to core deposits | 105.0372% | 1,074 |
| Total domestic deposits to total assets | 73.8509% | 5,956 |
| Equity capital to assets | 23.3977% | 122 |
| Core capital (leverage) ratio | 23.0032% | 121 |
| Tier 1 risk-based capital ratio | 30.0661% | 507 |
| Total risk-based capital ratio | 31.3838% | 503 |
| Memoranda: | ||
| Average total assets | $753,438,800 | 898 |
| Average earning assets | $702,655,200 | 874 |
| Average equity | $177,653,000 | 444 |
| Average total loans | $567,220,400 | 783 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2079% | 27 |
| Cost of funding earning assets | 0.1733% | 6,045 |
| Net interest margin | 9.0347% | 23 |
| Noninterest income to average assets | 3.5209% | 164 |
| Noninterest expense to average assets | 4.8119% | 358 |
| Loan and lease loss provision to assets | 2.7071% | 20 |
| Net operating income to assets | 2.7571% | 113 |
| Return on assets (ROA) | 2.7571% | 112 |
| Pretax return on assets | 4.4100% | 68 |
| Return on Equity (ROE) | 11.6691% | 1,569 |
| Retained earnings to average equity (ytd only) | 9.4587% | 853 |
| Net charge-offs to loans | 3.2370% | 30 |
| Credit loss provision to net charge-offs | 111.4360% | 2,023 |
| Earnings coverage of net charge-offs (x) | 2.9297% | 3,790 |
| Efficiency ratio | 40.3380% | 6,448 |
| Assets per employee ($millions) | 6.1622% | 1,229 |
| Cash dividends to net income (ytd only)* | 18.9423% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4280% | 37 |
| Loan loss allowance to noncurrent loans | 1,280.5593% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 4,486 |
| Noncurrent loans to loans | 0.5020% | 4,425 |
| Net loans and leases to total assets | 72.1095% | 1,829 |
| Net loans and leases to deposits | 98.5029% | 700 |
| Net loans and leases to core deposits | 106.0444% | 958 |
| Total domestic deposits to total assets | 73.2055% | 6,077 |
| Equity capital to assets | 24.0262% | 114 |
| Core capital (leverage) ratio | 23.2554% | 120 |
| Tier 1 risk-based capital ratio | 30.3915% | 503 |
| Total risk-based capital ratio | 31.7102% | 496 |
| Memoranda: | ||
| Average total assets | $743,419,750 | 918 |
| Average earning assets | $691,851,500 | 894 |
| Average equity | $175,650,250 | 444 |
| Average total loans | $557,916,000 | 794 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0541% | 31 |
| Cost of funding earning assets | 0.1746% | 6,110 |
| Net interest margin | 8.8795% | 28 |
| Noninterest income to average assets | 3.4724% | 162 |
| Noninterest expense to average assets | 4.7938% | 358 |
| Loan and lease loss provision to assets | 2.6305% | 21 |
| Net operating income to assets | 2.7629% | 106 |
| Return on assets (ROA) | 2.7629% | 109 |
| Pretax return on assets | 4.2966% | 72 |
| Return on Equity (ROE) | 11.7615% | 1,492 |
| Retained earnings to average equity (ytd only) | 9.5229% | 832 |
| Net charge-offs to loans | 3.3260% | 41 |
| Credit loss provision to net charge-offs | 106.3615% | 1,882 |
| Earnings coverage of net charge-offs (x) | 2.8009% | 3,464 |
| Efficiency ratio | 40.8996% | 6,505 |
| Assets per employee ($millions) | 6.2722% | 1,127 |
| Cash dividends to net income (ytd only)* | 19.0336% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4731% | 41 |
| Loan loss allowance to noncurrent loans | 1,353.2371% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 4,658 |
| Noncurrent loans to loans | 0.4783% | 4,567 |
| Net loans and leases to total assets | 70.2168% | 2,044 |
| Net loans and leases to deposits | 95.0365% | 876 |
| Net loans and leases to core deposits | 101.5543% | 1,167 |
| Total domestic deposits to total assets | 73.8840% | 6,122 |
| Equity capital to assets | 23.6372% | 112 |
| Core capital (leverage) ratio | 22.8642% | 117 |
| Tier 1 risk-based capital ratio | 30.5349% | 503 |
| Total risk-based capital ratio | 31.8538% | 494 |
| Memoranda: | ||
| Average total assets | $738,576,000 | 923 |
| Average earning assets | $686,097,670 | 898 |
| Average equity | $173,498,000 | 444 |
| Average total loans | $549,187,670 | 797 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0684% | 29 |
| Cost of funding earning assets | 0.1762% | 6,193 |
| Net interest margin | 8.8922% | 24 |
| Noninterest income to average assets | 3.3404% | 166 |
| Noninterest expense to average assets | 4.8168% | 351 |
| Loan and lease loss provision to assets | 2.5350% | 27 |
| Net operating income to assets | 2.7542% | 117 |
| Return on assets (ROA) | 2.7542% | 123 |
| Pretax return on assets | 4.2142% | 83 |
| Return on Equity (ROE) | 11.7624% | 1,473 |
| Retained earnings to average equity (ytd only) | 9.4949% | 1,104 |
| Net charge-offs to loans | 3.6405% | 46 |
| Credit loss provision to net charge-offs | 94.1129% | 1,763 |
| Earnings coverage of net charge-offs (x) | 2.5057% | 2,863 |
| Efficiency ratio | 41.6462% | 6,560 |
| Assets per employee ($millions) | 5.9219% | 1,362 |
| Cash dividends to net income (ytd only)* | 19.2773% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5699% | 34 |
| Loan loss allowance to noncurrent loans | 684.6980% | 718 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 3,037 |
| Noncurrent loans to loans | 0.9595% | 3,494 |
| Net loans and leases to total assets | 68.5983% | 2,123 |
| Net loans and leases to deposits | 92.4515% | 918 |
| Net loans and leases to core deposits | 99.4501% | 1,137 |
| Total domestic deposits to total assets | 74.1992% | 6,227 |
| Equity capital to assets | 23.4312% | 119 |
| Core capital (leverage) ratio | 22.9787% | 120 |
| Tier 1 risk-based capital ratio | 30.6857% | 495 |
| Total risk-based capital ratio | 32.0050% | 487 |
| Memoranda: | ||
| Average total assets | $731,529,500 | 930 |
| Average earning assets | $676,683,000 | 916 |
| Average equity | $171,292,000 | 449 |
| Average total loans | $541,242,500 | 813 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8484% | 31 |
| Cost of funding earning assets | 0.2085% | 6,241 |
| Net interest margin | 8.6399% | 29 |
| Noninterest income to average assets | 3.3836% | 191 |
| Noninterest expense to average assets | 4.5473% | 507 |
| Loan and lease loss provision to assets | 3.0221% | 18 |
| Net operating income to assets | 2.3997% | 191 |
| Return on assets (ROA) | 2.3997% | 194 |
| Pretax return on assets | 3.8130% | 75 |
| Return on Equity (ROE) | 10.6349% | 1,884 |
| Retained earnings to average equity (ytd only) | 8.2563% | 969 |
| Net charge-offs to loans | 3.6198% | 46 |
| Credit loss provision to net charge-offs | 118.3313% | 2,027 |
| Earnings coverage of net charge-offs (x) | 2.6763% | 4,100 |
| Efficiency ratio | 39.9505% | 6,691 |
| Assets per employee ($millions) | 5.8292% | 1,383 |
| Cash dividends to net income (ytd only)* | 22.3655% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6786% | 29 |
| Loan loss allowance to noncurrent loans | 1,060.2946% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 3,994 |
| Noncurrent loans to loans | 0.6299% | 4,406 |
| Net loans and leases to total assets | 69.5872% | 2,083 |
| Net loans and leases to deposits | 93.7253% | 900 |
| Net loans and leases to core deposits | 98.9297% | 1,235 |
| Total domestic deposits to total assets | 74.2458% | 6,262 |
| Equity capital to assets | 23.3996% | 117 |
| Core capital (leverage) ratio | 22.4726% | 126 |
| Tier 1 risk-based capital ratio | 30.0970% | 495 |
| Total risk-based capital ratio | 31.4173% | 487 |
| Memoranda: | ||
| Average total assets | $723,675,600 | 918 |
| Average earning assets | $669,985,200 | 902 |
| Average equity | $163,293,200 | 460 |
| Average total loans | $510,578,000 | 833 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7271% | 33 |
| Cost of funding earning assets | 0.2153% | 6,316 |
| Net interest margin | 8.5119% | 31 |
| Noninterest income to average assets | 3.4688% | 199 |
| Noninterest expense to average assets | 4.5918% | 473 |
| Loan and lease loss provision to assets | 2.8355% | 17 |
| Net operating income to assets | 2.4604% | 180 |
| Return on assets (ROA) | 2.4604% | 187 |
| Pretax return on assets | 3.9283% | 79 |
| Return on Equity (ROE) | 11.0054% | 1,813 |
| Retained earnings to average equity (ytd only) | 8.6054% | 1,194 |
| Net charge-offs to loans | 3.5353% | 56 |
| Credit loss provision to net charge-offs | 115.3184% | 2,041 |
| Earnings coverage of net charge-offs (x) | 2.7508% | 3,918 |
| Efficiency ratio | 40.4360% | 6,742 |
| Assets per employee ($millions) | 5.8953% | 1,309 |
| Cash dividends to net income (ytd only)* | 21.8071% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6590% | 32 |
| Loan loss allowance to noncurrent loans | 887.1992% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.7571% | 4,212 |
| Noncurrent loans to loans | 0.7506% | 4,345 |
| Net loans and leases to total assets | 67.5387% | 2,363 |
| Net loans and leases to deposits | 90.6774% | 1,091 |
| Net loans and leases to core deposits | 95.7540% | 1,411 |
| Total domestic deposits to total assets | 74.4824% | 6,334 |
| Equity capital to assets | 23.0985% | 118 |
| Core capital (leverage) ratio | 22.1105% | 132 |
| Tier 1 risk-based capital ratio | 30.4816% | 493 |
| Total risk-based capital ratio | 31.8013% | 491 |
| Memoranda: | ||
| Average total assets | $723,888,750 | 924 |
| Average earning assets | $670,733,000 | 904 |
| Average equity | $161,832,000 | 467 |
| Average total loans | $503,475,250 | 842 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5337% | 38 |
| Cost of funding earning assets | 0.2224% | 6,353 |
| Net interest margin | 8.3113% | 31 |
| Noninterest income to average assets | 3.3593% | 216 |
| Noninterest expense to average assets | 4.5134% | 517 |
| Loan and lease loss provision to assets | 2.6897% | 30 |
| Net operating income to assets | 2.5207% | 167 |
| Return on assets (ROA) | 2.5207% | 180 |
| Pretax return on assets | 3.8625% | 91 |
| Return on Equity (ROE) | 11.4003% | 1,683 |
| Retained earnings to average equity (ytd only) | 8.9789% | 1,128 |
| Net charge-offs to loans | 3.6133% | 70 |
| Credit loss provision to net charge-offs | 108.4723% | 2,049 |
| Earnings coverage of net charge-offs (x) | 2.6424% | 3,639 |
| Efficiency ratio | 40.7878% | 6,783 |
| Assets per employee ($millions) | 5.8220% | 1,336 |
| Cash dividends to net income (ytd only)* | 21.2403% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5309% | 38 |
| Loan loss allowance to noncurrent loans | 597.8323% | 735 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 3,747 |
| Noncurrent loans to loans | 1.0924% | 3,747 |
| Net loans and leases to total assets | 66.6946% | 2,466 |
| Net loans and leases to deposits | 88.9391% | 1,235 |
| Net loans and leases to core deposits | 94.2838% | 1,500 |
| Total domestic deposits to total assets | 74.9891% | 6,360 |
| Equity capital to assets | 22.7485% | 122 |
| Core capital (leverage) ratio | 21.6509% | 132 |
| Tier 1 risk-based capital ratio | 30.5281% | 496 |
| Total risk-based capital ratio | 31.8463% | 493 |
| Memoranda: | ||
| Average total assets | $725,442,330 | 921 |
| Average earning assets | $672,628,330 | 902 |
| Average equity | $160,399,000 | 469 |
| Average total loans | $497,830,000 | 847 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5322% | 37 |
| Cost of funding earning assets | 0.2295% | 6,419 |
| Net interest margin | 8.3028% | 31 |
| Noninterest income to average assets | 3.2127% | 233 |
| Noninterest expense to average assets | 4.4404% | 561 |
| Loan and lease loss provision to assets | 2.6286% | 36 |
| Net operating income to assets | 2.5569% | 148 |
| Return on assets (ROA) | 2.5569% | 159 |
| Pretax return on assets | 3.8350% | 91 |
| Return on Equity (ROE) | 11.7300% | 1,487 |
| Retained earnings to average equity (ytd only) | 9.2920% | 1,288 |
| Net charge-offs to loans | 3.9995% | 67 |
| Credit loss provision to net charge-offs | 97.6792% | 1,907 |
| Earnings coverage of net charge-offs (x) | 2.4019% | 3,039 |
| Efficiency ratio | 40.7225% | 6,856 |
| Assets per employee ($millions) | 5.8820% | 1,349 |
| Cash dividends to net income (ytd only)* | 20.7842% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6864% | 49 |
| Loan loss allowance to noncurrent loans | 711.9851% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 4,251 |
| Noncurrent loans to loans | 0.9391% | 4,260 |
| Net loans and leases to total assets | 62.6814% | 2,938 |
| Net loans and leases to deposits | 83.0765% | 1,700 |
| Net loans and leases to core deposits | 89.2381% | 1,780 |
| Total domestic deposits to total assets | 75.4503% | 6,419 |
| Equity capital to assets | 22.2356% | 145 |
| Core capital (leverage) ratio | 21.0128% | 157 |
| Tier 1 risk-based capital ratio | 31.0899% | 483 |
| Total risk-based capital ratio | 32.4092% | 471 |
| Memoranda: | ||
| Average total assets | $730,111,500 | 922 |
| Average earning assets | $676,352,000 | 901 |
| Average equity | $159,147,000 | 476 |
| Average total loans | $491,258,000 | 861 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7546% | 39 |
| Cost of funding earning assets | 0.3257% | 6,330 |
| Net interest margin | 8.4289% | 31 |
| Noninterest income to average assets | 3.4004% | 215 |
| Noninterest expense to average assets | 4.6311% | 503 |
| Loan and lease loss provision to assets | 3.1747% | 34 |
| Net operating income to assets | 2.1808% | 263 |
| Return on assets (ROA) | 2.1808% | 288 |
| Pretax return on assets | 3.3701% | 109 |
| Return on Equity (ROE) | 10.1463% | 2,107 |
| Retained earnings to average equity (ytd only) | 7.5842% | 1,288 |
| Net charge-offs to loans | 3.8264% | 82 |
| Credit loss provision to net charge-offs | 123.3936% | 2,307 |
| Earnings coverage of net charge-offs (x) | 2.5438% | 4,143 |
| Efficiency ratio | 41.4384% | 6,902 |
| Assets per employee ($millions) | 6.0887% | 1,225 |
| Cash dividends to net income (ytd only)* | 25.2519% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5674% | 49 |
| Loan loss allowance to noncurrent loans | 617.8287% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.9766% | 4,074 |
| Noncurrent loans to loans | 1.0630% | 4,086 |
| Net loans and leases to total assets | 62.9696% | 3,061 |
| Net loans and leases to deposits | 82.4984% | 1,938 |
| Net loans and leases to core deposits | 88.0736% | 2,078 |
| Total domestic deposits to total assets | 76.3283% | 6,316 |
| Equity capital to assets | 21.3675% | 174 |
| Core capital (leverage) ratio | 20.6383% | 172 |
| Tier 1 risk-based capital ratio | 29.6458% | 528 |
| Total risk-based capital ratio | 30.9633% | 520 |
| Memoranda: | ||
| Average total assets | $705,295,200 | 934 |
| Average earning assets | $650,619,400 | 924 |
| Average equity | $151,592,200 | 482 |
| Average total loans | $474,225,800 | 864 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7521% | 38 |
| Cost of funding earning assets | 0.3443% | 6,407 |
| Net interest margin | 8.4078% | 32 |
| Noninterest income to average assets | 3.4174% | 212 |
| Noninterest expense to average assets | 4.7265% | 455 |
| Loan and lease loss provision to assets | 3.0417% | 38 |
| Net operating income to assets | 2.2161% | 276 |
| Return on assets (ROA) | 2.2161% | 309 |
| Pretax return on assets | 3.4078% | 112 |
| Return on Equity (ROE) | 10.2945% | 2,216 |
| Retained earnings to average equity (ytd only) | 7.7075% | 1,749 |
| Net charge-offs to loans | 3.6680% | 112 |
| Credit loss provision to net charge-offs | 123.4081% | 2,345 |
| Earnings coverage of net charge-offs (x) | 2.6167% | 3,989 |
| Efficiency ratio | 42.2914% | 6,956 |
| Assets per employee ($millions) | 5.8125% | 1,367 |
| Cash dividends to net income (ytd only)* | 25.1294% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4647% | 53 |
| Loan loss allowance to noncurrent loans | 550.2718% | 694 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 4,117 |
| Noncurrent loans to loans | 1.1748% | 4,100 |
| Net loans and leases to total assets | 64.5598% | 2,919 |
| Net loans and leases to deposits | 87.2987% | 1,440 |
| Net loans and leases to core deposits | 93.1036% | 1,676 |
| Total domestic deposits to total assets | 73.9527% | 6,608 |
| Equity capital to assets | 22.0118% | 170 |
| Core capital (leverage) ratio | 20.7614% | 180 |
| Tier 1 risk-based capital ratio | 30.0784% | 531 |
| Total risk-based capital ratio | 31.3956% | 512 |
| Memoranda: | ||
| Average total assets | $697,435,000 | 951 |
| Average earning assets | $643,593,750 | 942 |
| Average equity | $150,134,750 | 483 |
| Average total loans | $468,650,000 | 878 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6194% | 40 |
| Cost of funding earning assets | 0.3630% | 6,455 |
| Net interest margin | 8.2564% | 32 |
| Noninterest income to average assets | 3.3750% | 215 |
| Noninterest expense to average assets | 4.7458% | 447 |
| Loan and lease loss provision to assets | 2.9353% | 65 |
| Net operating income to assets | 2.1657% | 299 |
| Return on assets (ROA) | 2.1657% | 338 |
| Pretax return on assets | 3.3080% | 126 |
| Return on Equity (ROE) | 10.1376% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.5234% | 1,855 |
| Net charge-offs to loans | 3.6315% | 139 |
| Credit loss provision to net charge-offs | 121.3963% | 2,261 |
| Earnings coverage of net charge-offs (x) | 2.5821% | 3,712 |
| Efficiency ratio | 43.1869% | 6,984 |
| Assets per employee ($millions) | 5.8248% | 1,352 |
| Cash dividends to net income (ytd only)* | 25.7867% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3775% | 67 |
| Loan loss allowance to noncurrent loans | 469.6092% | 765 |
| Noncurrent assets plus other real estate owned to assets | 1.1977% | 4,016 |
| Noncurrent loans to loans | 1.3580% | 3,892 |
| Net loans and leases to total assets | 63.8814% | 3,063 |
| Net loans and leases to deposits | 85.7981% | 1,631 |
| Net loans and leases to core deposits | 92.3833% | 1,746 |
| Total domestic deposits to total assets | 74.4555% | 6,641 |
| Equity capital to assets | 21.8563% | 165 |
| Core capital (leverage) ratio | 20.4227% | 188 |
| Tier 1 risk-based capital ratio | 30.2418% | 507 |
| Total risk-based capital ratio | 31.5576% | 500 |
| Memoranda: | ||
| Average total assets | $695,475,330 | 951 |
| Average earning assets | $641,368,000 | 947 |
| Average equity | $148,575,670 | 485 |
| Average total loans | $463,053,330 | 886 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6212% | 42 |
| Cost of funding earning assets | 0.3932% | 6,441 |
| Net interest margin | 8.2280% | 32 |
| Noninterest income to average assets | 3.2890% | 211 |
| Noninterest expense to average assets | 4.9139% | 389 |
| Loan and lease loss provision to assets | 2.5104% | 99 |
| Net operating income to assets | 2.2876% | 243 |
| Return on assets (ROA) | 2.2876% | 295 |
| Pretax return on assets | 3.4336% | 123 |
| Return on Equity (ROE) | 10.8324% | 2,097 |
| Retained earnings to average equity (ytd only) | 8.1923% | 1,910 |
| Net charge-offs to loans | 4.0568% | 140 |
| Credit loss provision to net charge-offs | 94.1025% | 2,474 |
| Earnings coverage of net charge-offs (x) | 2.2282% | 3,273 |
| Efficiency ratio | 45.2565% | 6,936 |
| Assets per employee ($millions) | 5.8038% | 1,431 |
| Cash dividends to net income (ytd only)* | 24.3725% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1875% | 72 |
| Loan loss allowance to noncurrent loans | 460.4918% | 733 |
| Noncurrent assets plus other real estate owned to assets | 1.1907% | 4,139 |
| Noncurrent loans to loans | 1.3437% | 4,099 |
| Net loans and leases to total assets | 61.1511% | 3,419 |
| Net loans and leases to deposits | 81.8707% | 1,952 |
| Net loans and leases to core deposits | 87.0402% | 2,176 |
| Total domestic deposits to total assets | 74.6923% | 6,681 |
| Equity capital to assets | 21.3223% | 167 |
| Core capital (leverage) ratio | 20.0242% | 202 |
| Tier 1 risk-based capital ratio | 30.2956% | 507 |
| Total risk-based capital ratio | 31.6074% | 499 |
| Memoranda: | ||
| Average total assets | $696,635,000 | 949 |
| Average earning assets | $640,838,500 | 942 |
| Average equity | $147,114,500 | 485 |
| Average total loans | $458,099,500 | 898 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4306% | 42 |
| Cost of funding earning assets | 0.5349% | 6,400 |
| Net interest margin | 7.8957% | 34 |
| Noninterest income to average assets | 3.9071% | 160 |
| Noninterest expense to average assets | 4.5172% | 585 |
| Loan and lease loss provision to assets | 2.8539% | 134 |
| Net operating income to assets | 2.4422% | 145 |
| Return on assets (ROA) | 2.4422% | 152 |
| Pretax return on assets | 3.8048% | 83 |
| Return on Equity (ROE) | 11.6922% | 1,502 |
| Retained earnings to average equity (ytd only) | 8.9005% | 837 |
| Net charge-offs to loans | 3.2832% | 256 |
| Credit loss provision to net charge-offs | 125.7791% | 2,484 |
| Earnings coverage of net charge-offs (x) | 2.9347% | 3,737 |
| Efficiency ratio | 40.4191% | 7,203 |
| Assets per employee ($millions) | 5.8068% | 1,366 |
| Cash dividends to net income (ytd only)* | 23.8766% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1365% | 84 |
| Loan loss allowance to noncurrent loans | 363.5012% | 917 |
| Noncurrent assets plus other real estate owned to assets | 1.4002% | 3,892 |
| Noncurrent loans to loans | 1.6882% | 3,628 |
| Net loans and leases to total assets | 62.2626% | 3,549 |
| Net loans and leases to deposits | 83.0604% | 2,061 |
| Net loans and leases to core deposits | 89.1392% | 2,234 |
| Total domestic deposits to total assets | 74.9606% | 6,610 |
| Equity capital to assets | 20.9136% | 189 |
| Core capital (leverage) ratio | 19.6291% | 214 |
| Tier 1 risk-based capital ratio | 28.2656% | 605 |
| Total risk-based capital ratio | 29.5729% | 596 |
| Memoranda: | ||
| Average total assets | $666,077,200 | 975 |
| Average earning assets | $613,194,600 | 960 |
| Average equity | $139,126,800 | 497 |
| Average total loans | $460,314,200 | 907 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3661% | 47 |
| Cost of funding earning assets | 0.5644% | 6,451 |
| Net interest margin | 7.8017% | 37 |
| Noninterest income to average assets | 3.4003% | 188 |
| Noninterest expense to average assets | 4.4153% | 624 |
| Loan and lease loss provision to assets | 2.4491% | 186 |
| Net operating income to assets | 2.3880% | 184 |
| Return on assets (ROA) | 2.3880% | 193 |
| Pretax return on assets | 3.7184% | 98 |
| Return on Equity (ROE) | 11.4363% | 1,708 |
| Retained earnings to average equity (ytd only) | 8.6112% | 1,277 |
| Net charge-offs to loans | 2.9456% | 322 |
| Credit loss provision to net charge-offs | 119.0472% | 2,739 |
| Earnings coverage of net charge-offs (x) | 2.9979% | 3,640 |
| Efficiency ratio | 41.7210% | 7,218 |
| Assets per employee ($millions) | 5.7624% | 1,385 |
| Cash dividends to net income (ytd only)* | 24.7032% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7235% | 115 |
| Loan loss allowance to noncurrent loans | 350.4048% | 913 |
| Noncurrent assets plus other real estate owned to assets | 1.5053% | 3,857 |
| Noncurrent loans to loans | 1.6334% | 3,843 |
| Net loans and leases to total assets | 64.5066% | 3,204 |
| Net loans and leases to deposits | 86.2334% | 1,658 |
| Net loans and leases to core deposits | 91.8624% | 2,010 |
| Total domestic deposits to total assets | 74.8047% | 6,661 |
| Equity capital to assets | 21.1028% | 204 |
| Core capital (leverage) ratio | 19.6921% | 228 |
| Tier 1 risk-based capital ratio | 28.0262% | 656 |
| Total risk-based capital ratio | 29.3294% | 640 |
| Memoranda: | ||
| Average total assets | $658,394,000 | 991 |
| Average earning assets | $606,143,000 | 974 |
| Average equity | $137,476,500 | 510 |
| Average total loans | $459,838,750 | 922 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1968% | 49 |
| Cost of funding earning assets | 0.5956% | 6,483 |
| Net interest margin | 7.6012% | 40 |
| Noninterest income to average assets | 3.3366% | 194 |
| Noninterest expense to average assets | 4.3342% | 715 |
| Loan and lease loss provision to assets | 2.1243% | 279 |
| Net operating income to assets | 2.4951% | 166 |
| Return on assets (ROA) | 2.4951% | 172 |
| Pretax return on assets | 3.8737% | 99 |
| Return on Equity (ROE) | 11.9932% | 1,495 |
| Retained earnings to average equity (ytd only) | 9.1348% | 1,063 |
| Net charge-offs to loans | 2.9629% | 351 |
| Credit loss provision to net charge-offs | 101.9398% | 3,034 |
| Earnings coverage of net charge-offs (x) | 2.8783% | 3,401 |
| Efficiency ratio | 41.9490% | 7,300 |
| Assets per employee ($millions) | 5.6229% | 1,467 |
| Cash dividends to net income (ytd only)* | 23.8341% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3008% | 157 |
| Loan loss allowance to noncurrent loans | 343.4795% | 928 |
| Noncurrent assets plus other real estate owned to assets | 1.2730% | 4,353 |
| Noncurrent loans to loans | 1.5433% | 4,089 |
| Net loans and leases to total assets | 66.8037% | 2,861 |
| Net loans and leases to deposits | 90.1600% | 1,252 |
| Net loans and leases to core deposits | 96.4263% | 1,635 |
| Total domestic deposits to total assets | 74.0946% | 6,833 |
| Equity capital to assets | 21.1539% | 206 |
| Core capital (leverage) ratio | 19.7937% | 236 |
| Tier 1 risk-based capital ratio | 27.7432% | 677 |
| Total risk-based capital ratio | 29.0426% | 658 |
| Memoranda: | ||
| Average total assets | $653,124,000 | 1,009 |
| Average earning assets | $601,091,670 | 991 |
| Average equity | $135,876,670 | 515 |
| Average total loans | $459,348,670 | 943 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2171% | 51 |
| Cost of funding earning assets | 0.6367% | 6,442 |
| Net interest margin | 7.5804% | 42 |
| Noninterest income to average assets | 3.2258% | 201 |
| Noninterest expense to average assets | 4.1116% | 909 |
| Loan and lease loss provision to assets | 1.5299% | 412 |
| Net operating income to assets | 2.8908% | 117 |
| Return on assets (ROA) | 2.8908% | 122 |
| Pretax return on assets | 4.5517% | 86 |
| Return on Equity (ROE) | 14.0145% | 989 |
| Retained earnings to average equity (ytd only) | 11.1210% | 881 |
| Net charge-offs to loans | 2.9909% | 364 |
| Credit loss provision to net charge-offs | 72.8417% | 3,302 |
| Earnings coverage of net charge-offs (x) | 2.8955% | 2,928 |
| Efficiency ratio | 40.3365% | 7,383 |
| Assets per employee ($millions) | 5.6389% | 1,458 |
| Cash dividends to net income (ytd only)* | 20.6464% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1992% | 169 |
| Loan loss allowance to noncurrent loans | 351.0289% | 883 |
| Noncurrent assets plus other real estate owned to assets | 1.2250% | 4,508 |
| Noncurrent loans to loans | 1.4811% | 4,250 |
| Net loans and leases to total assets | 66.1900% | 2,959 |
| Net loans and leases to deposits | 88.6561% | 1,392 |
| Net loans and leases to core deposits | 94.8102% | 1,790 |
| Total domestic deposits to total assets | 74.6593% | 6,839 |
| Equity capital to assets | 20.9895% | 208 |
| Core capital (leverage) ratio | 19.3582% | 255 |
| Tier 1 risk-based capital ratio | 27.4422% | 672 |
| Total risk-based capital ratio | 28.7383% | 651 |
| Memoranda: | ||
| Average total assets | $650,749,000 | 1,021 |
| Average earning assets | $598,121,000 | 1,004 |
| Average equity | $134,232,000 | 517 |
| Average total loans | $456,981,000 | 961 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9490% | 46 |
| Cost of funding earning assets | 0.8688% | 6,303 |
| Net interest margin | 8.0802% | 35 |
| Noninterest income to average assets | 4.0074% | 166 |
| Noninterest expense to average assets | 4.3824% | 739 |
| Loan and lease loss provision to assets | 2.7088% | 388 |
| Net operating income to assets | 2.4818% | 117 |
| Return on assets (ROA) | 2.4818% | 119 |
| Pretax return on assets | 4.3035% | 63 |
| Return on Equity (ROE) | 12.3358% | 1,249 |
| Retained earnings to average equity (ytd only) | 9.3126% | 636 |
| Net charge-offs to loans | 5.3978% | 145 |
| Credit loss provision to net charge-offs | 68.5044% | 5,906 |
| Earnings coverage of net charge-offs (x) | 1.7734% | 4,388 |
| Efficiency ratio | 38.4224% | 7,523 |
| Assets per employee ($millions) | 5.3092% | 1,743 |
| Cash dividends to net income (ytd only)* | 24.5069% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3053% | 159 |
| Loan loss allowance to noncurrent loans | 396.8856% | 786 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 4,714 |
| Noncurrent loans to loans | 1.3367% | 4,486 |
| Net loans and leases to total assets | 66.8779% | 3,252 |
| Net loans and leases to deposits | 90.4596% | 1,467 |
| Net loans and leases to core deposits | 96.3117% | 1,972 |
| Total domestic deposits to total assets | 73.9312% | 6,904 |
| Equity capital to assets | 20.2676% | 248 |
| Core capital (leverage) ratio | 18.7340% | 290 |
| Tier 1 risk-based capital ratio | 26.0857% | 747 |
| Total risk-based capital ratio | 27.3827% | 730 |
| Memoranda: | ||
| Average total assets | $635,294,600 | 1,054 |
| Average earning assets | $580,815,800 | 1,039 |
| Average equity | $127,815,400 | 531 |
| Average total loans | $465,396,000 | 972 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2121% | 42 |
| Cost of funding earning assets | 0.9114% | 6,353 |
| Net interest margin | 8.3007% | 36 |
| Noninterest income to average assets | 4.2049% | 165 |
| Noninterest expense to average assets | 4.3935% | 665 |
| Loan and lease loss provision to assets | 2.6315% | 378 |
| Net operating income to assets | 2.8637% | 91 |
| Return on assets (ROA) | 2.8637% | 97 |
| Pretax return on assets | 4.7680% | 57 |
| Return on Equity (ROE) | 14.2612% | 979 |
| Retained earnings to average equity (ytd only) | 11.2111% | 576 |
| Net charge-offs to loans | 5.9510% | 105 |
| Credit loss provision to net charge-offs | 59.8059% | 5,693 |
| Earnings coverage of net charge-offs (x) | 1.6817% | 4,443 |
| Efficiency ratio | 37.2103% | 7,624 |
| Assets per employee ($millions) | 5.1122% | 2,041 |
| Cash dividends to net income (ytd only)* | 21.3874% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2709% | 144 |
| Loan loss allowance to noncurrent loans | 300.3753% | 975 |
| Noncurrent assets plus other real estate owned to assets | 1.7941% | 3,756 |
| Noncurrent loans to loans | 1.7548% | 4,009 |
| Net loans and leases to total assets | 67.5312% | 3,324 |
| Net loans and leases to deposits | 91.0803% | 1,564 |
| Net loans and leases to core deposits | 97.7056% | 2,073 |
| Total domestic deposits to total assets | 74.1446% | 6,904 |
| Equity capital to assets | 20.6237% | 251 |
| Core capital (leverage) ratio | 19.0569% | 296 |
| Tier 1 risk-based capital ratio | 25.9401% | 776 |
| Total risk-based capital ratio | 27.2362% | 761 |
| Memoranda: | ||
| Average total assets | $630,861,500 | 1,067 |
| Average earning assets | $576,693,750 | 1,054 |
| Average equity | $126,681,000 | 528 |
| Average total loans | $466,445,250 | 975 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4664% | 40 |
| Cost of funding earning assets | 0.9433% | 6,410 |
| Net interest margin | 8.5231% | 37 |
| Noninterest income to average assets | 4.3787% | 156 |
| Noninterest expense to average assets | 4.4595% | 603 |
| Loan and lease loss provision to assets | 2.9583% | 335 |
| Net operating income to assets | 3.0398% | 80 |
| Return on assets (ROA) | 3.0398% | 83 |
| Pretax return on assets | 4.7741% | 53 |
| Return on Equity (ROE) | 15.2780% | 804 |
| Retained earnings to average equity (ytd only) | 12.1862% | 466 |
| Net charge-offs to loans | 6.7921% | 92 |
| Credit loss provision to net charge-offs | 58.1997% | 5,251 |
| Earnings coverage of net charge-offs (x) | 1.5212% | 4,349 |
| Efficiency ratio | 36.5229% | 7,691 |
| Assets per employee ($millions) | 5.0550% | 2,112 |
| Cash dividends to net income (ytd only)* | 20.2367% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5707% | 127 |
| Loan loss allowance to noncurrent loans | 325.9828% | 905 |
| Noncurrent assets plus other real estate owned to assets | 1.8746% | 3,653 |
| Noncurrent loans to loans | 1.7089% | 4,123 |
| Net loans and leases to total assets | 68.9636% | 3,140 |
| Net loans and leases to deposits | 92.1825% | 1,500 |
| Net loans and leases to core deposits | 99.1281% | 2,108 |
| Total domestic deposits to total assets | 74.8121% | 6,875 |
| Equity capital to assets | 20.3346% | 270 |
| Core capital (leverage) ratio | 19.0281% | 292 |
| Tier 1 risk-based capital ratio | 23.7576% | 967 |
| Total risk-based capital ratio | 25.0542% | 943 |
| Memoranda: | ||
| Average total assets | $628,138,330 | 1,076 |
| Average earning assets | $575,824,330 | 1,064 |
| Average equity | $124,977,330 | 530 |
| Average total loans | $470,074,670 | 976 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9885% | 43 |
| Cost of funding earning assets | 0.9753% | 6,495 |
| Net interest margin | 9.0132% | 39 |
| Noninterest income to average assets | 4.7130% | 146 |
| Noninterest expense to average assets | 4.5533% | 547 |
| Loan and lease loss provision to assets | 3.1047% | 316 |
| Net operating income to assets | 3.4017% | 65 |
| Return on assets (ROA) | 3.4017% | 69 |
| Pretax return on assets | 5.3300% | 51 |
| Return on Equity (ROE) | 17.2892% | 581 |
| Retained earnings to average equity (ytd only) | 14.1534% | 490 |
| Net charge-offs to loans | 8.3267% | 86 |
| Credit loss provision to net charge-offs | 49.2253% | 4,501 |
| Earnings coverage of net charge-offs (x) | 1.3373% | 3,944 |
| Efficiency ratio | 35.0086% | 7,803 |
| Assets per employee ($millions) | 4.9126% | 2,357 |
| Cash dividends to net income (ytd only)* | 18.1374% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8926% | 104 |
| Loan loss allowance to noncurrent loans | 308.6623% | 973 |
| Noncurrent assets plus other real estate owned to assets | 1.6826% | 3,950 |
| Noncurrent loans to loans | 1.9091% | 3,910 |
| Net loans and leases to total assets | 69.5038% | 3,052 |
| Net loans and leases to deposits | 92.9881% | 1,476 |
| Net loans and leases to core deposits | 100.0698% | 2,120 |
| Total domestic deposits to total assets | 74.7449% | 6,939 |
| Equity capital to assets | 19.9387% | 291 |
| Core capital (leverage) ratio | 18.8838% | 314 |
| Tier 1 risk-based capital ratio | 23.2898% | 1,036 |
| Total risk-based capital ratio | 24.5907% | 1,008 |
| Memoranda: | ||
| Average total assets | $626,270,000 | 1,102 |
| Average earning assets | $574,980,000 | 1,096 |
| Average equity | $123,221,500 | 546 |
| Average total loans | $474,376,500 | 995 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4221% | 24 |
| Cost of funding earning assets | 1.2219% | 6,582 |
| Net interest margin | 11.2002% | 21 |
| Noninterest income to average assets | 7.0762% | 103 |
| Noninterest expense to average assets | 6.2184% | 288 |
| Loan and lease loss provision to assets | 7.7252% | 50 |
| Net operating income to assets | 2.1692% | 158 |
| Return on assets (ROA) | 2.1692% | 173 |
| Pretax return on assets | 3.3560% | 72 |
| Return on Equity (ROE) | 11.5274% | 1,281 |
| Retained earnings to average equity (ytd only) | 8.1884% | 653 |
| Net charge-offs to loans | 10.3750% | 31 |
| Credit loss provision to net charge-offs | 94.4511% | 5,832 |
| Earnings coverage of net charge-offs (x) | 1.3548% | 4,776 |
| Efficiency ratio | 35.4849% | 7,903 |
| Assets per employee ($millions) | 4.7613% | 2,530 |
| Cash dividends to net income (ytd only)* | 28.9655% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6854% | 72 |
| Loan loss allowance to noncurrent loans | 296.5201% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 1.9685% | 3,438 |
| Noncurrent loans to loans | 2.2546% | 3,329 |
| Net loans and leases to total assets | 72.4608% | 2,643 |
| Net loans and leases to deposits | 96.3661% | 1,287 |
| Net loans and leases to core deposits | 116.6944% | 2,251 |
| Total domestic deposits to total assets | 75.1932% | 6,831 |
| Equity capital to assets | 19.4101% | 340 |
| Core capital (leverage) ratio | 18.2073% | 387 |
| Tier 1 risk-based capital ratio | 22.0521% | 1,144 |
| Total risk-based capital ratio | 23.3638% | 1,114 |
| Memoranda: | ||
| Average total assets | $614,960,800 | 1,125 |
| Average earning assets | $561,328,600 | 1,122 |
| Average equity | $115,724,000 | 569 |
| Average total loans | $484,801,200 | 997 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8222% | 22 |
| Cost of funding earning assets | 1.2602% | 6,681 |
| Net interest margin | 11.5619% | 20 |
| Noninterest income to average assets | 7.4014% | 100 |
| Noninterest expense to average assets | 6.5300% | 242 |
| Loan and lease loss provision to assets | 8.4791% | 33 |
| Net operating income to assets | 1.9167% | 345 |
| Return on assets (ROA) | 1.9167% | 371 |
| Pretax return on assets | 2.9383% | 114 |
| Return on Equity (ROE) | 10.2677% | 1,828 |
| Retained earnings to average equity (ytd only) | 6.8898% | 1,550 |
| Net charge-offs to loans | 11.1227% | 36 |
| Credit loss provision to net charge-offs | 96.3315% | 5,292 |
| Earnings coverage of net charge-offs (x) | 1.2971% | 4,807 |
| Efficiency ratio | 35.8021% | 7,976 |
| Assets per employee ($millions) | 4.6782% | 2,594 |
| Cash dividends to net income (ytd only)* | 32.8981% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8896% | 51 |
| Loan loss allowance to noncurrent loans | 327.5352% | 932 |
| Noncurrent assets plus other real estate owned to assets | 1.6725% | 3,864 |
| Noncurrent loans to loans | 2.1035% | 3,501 |
| Net loans and leases to total assets | 73.7247% | 2,616 |
| Net loans and leases to deposits | 98.9399% | 1,220 |
| Net loans and leases to core deposits | 120.5158% | 2,202 |
| Total domestic deposits to total assets | 74.5146% | 6,862 |
| Equity capital to assets | 19.0536% | 414 |
| Core capital (leverage) ratio | 18.0536% | 450 |
| Tier 1 risk-based capital ratio | 21.5281% | 1,284 |
| Total risk-based capital ratio | 22.8437% | 1,252 |
| Memoranda: | ||
| Average total assets | $612,767,750 | 1,149 |
| Average earning assets | $558,923,750 | 1,141 |
| Average equity | $114,388,250 | 583 |
| Average total loans | $484,916,000 | 1,013 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0723% | 23 |
| Cost of funding earning assets | 1.2903% | 6,837 |
| Net interest margin | 11.7820% | 20 |
| Noninterest income to average assets | 7.7564% | 90 |
| Noninterest expense to average assets | 6.8500% | 233 |
| Loan and lease loss provision to assets | 8.9404% | 49 |
| Net operating income to assets | 1.8112% | 450 |
| Return on assets (ROA) | 1.8112% | 490 |
| Pretax return on assets | 2.7259% | 145 |
| Return on Equity (ROE) | 9.7708% | 2,102 |
| Retained earnings to average equity (ytd only) | 6.3603% | 1,859 |
| Net charge-offs to loans | 11.6236% | 39 |
| Credit loss provision to net charge-offs | 97.2139% | 4,698 |
| Earnings coverage of net charge-offs (x) | 1.2685% | 4,578 |
| Efficiency ratio | 36.3636% | 8,065 |
| Assets per employee ($millions) | 4.4327% | 2,870 |
| Cash dividends to net income (ytd only)* | 34.9051% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0163% | 51 |
| Loan loss allowance to noncurrent loans | 401.8698% | 787 |
| Noncurrent assets plus other real estate owned to assets | 1.4595% | 4,056 |
| Noncurrent loans to loans | 1.7459% | 3,888 |
| Net loans and leases to total assets | 76.1562% | 2,143 |
| Net loans and leases to deposits | 102.3415% | 1,052 |
| Net loans and leases to core deposits | 126.1169% | 1,861 |
| Total domestic deposits to total assets | 74.4138% | 6,886 |
| Equity capital to assets | 19.2159% | 435 |
| Core capital (leverage) ratio | 17.7562% | 535 |
| Tier 1 risk-based capital ratio | 20.9919% | 1,396 |
| Total risk-based capital ratio | 22.3088% | 1,355 |
| Memoranda: | ||
| Average total assets | $611,181,670 | 1,168 |
| Average earning assets | $558,156,330 | 1,161 |
| Average equity | $113,297,330 | 595 |
| Average total loans | $483,569,330 | 1,037 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.3634% | 21 |
| Cost of funding earning assets | 1.3060% | 6,996 |
| Net interest margin | 12.0574% | 16 |
| Noninterest income to average assets | 8.1391% | 79 |
| Noninterest expense to average assets | 6.8041% | 216 |
| Loan and lease loss provision to assets | 9.8225% | 46 |
| Net operating income to assets | 1.7656% | 568 |
| Return on assets (ROA) | 1.7656% | 622 |
| Pretax return on assets | 2.5513% | 232 |
| Return on Equity (ROE) | 9.6967% | 2,446 |
| Retained earnings to average equity (ytd only) | 6.2605% | 2,521 |
| Net charge-offs to loans | 12.5090% | 36 |
| Credit loss provision to net charge-offs | 100.9654% | 3,692 |
| Earnings coverage of net charge-offs (x) | 1.2719% | 4,104 |
| Efficiency ratio | 34.8779% | 8,117 |
| Assets per employee ($millions) | 4.5544% | 2,637 |
| Cash dividends to net income (ytd only)* | 35.4365% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4321% | 37 |
| Loan loss allowance to noncurrent loans | 405.6979% | 867 |
| Noncurrent assets plus other real estate owned to assets | 1.4332% | 3,787 |
| Noncurrent loans to loans | 1.8319% | 3,513 |
| Net loans and leases to total assets | 72.0742% | 3,230 |
| Net loans and leases to deposits | 96.2680% | 1,904 |
| Net loans and leases to core deposits | 116.8533% | 2,696 |
| Total domestic deposits to total assets | 74.8682% | 6,732 |
| Equity capital to assets | 18.5673% | 534 |
| Core capital (leverage) ratio | 17.4608% | 604 |
| Tier 1 risk-based capital ratio | 21.2367% | 1,412 |
| Total risk-based capital ratio | 22.5586% | 1,370 |
| Memoranda: | ||
| Average total assets | $617,564,500 | 1,152 |
| Average earning assets | $565,396,000 | 1,155 |
| Average equity | $112,450,500 | 598 |
| Average total loans | $480,294,500 | 1,054 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2248% | 14 |
| Cost of funding earning assets | 1.7827% | 7,052 |
| Net interest margin | 13.4421% | 11 |
| Noninterest income to average assets | 9.7749% | 78 |
| Noninterest expense to average assets | 7.8161% | 231 |
| Loan and lease loss provision to assets | 11.0698% | 8 |
| Net operating income to assets | 1.9734% | 378 |
| Return on assets (ROA) | 1.9734% | 358 |
| Pretax return on assets | 3.1107% | 91 |
| Return on Equity (ROE) | 11.0772% | 1,879 |
| Retained earnings to average equity (ytd only) | 7.4752% | 991 |
| Net charge-offs to loans | 13.4195% | 5 |
| Credit loss provision to net charge-offs | 103.7415% | 5,154 |
| Earnings coverage of net charge-offs (x) | 1.3289% | 5,462 |
| Efficiency ratio | 34.8259% | 8,203 |
| Assets per employee ($millions) | 4.5278% | 2,570 |
| Cash dividends to net income (ytd only)* | 32.5170% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2457% | 29 |
| Loan loss allowance to noncurrent loans | 449.0679% | 940 |
| Noncurrent assets plus other real estate owned to assets | 1.2754% | 3,671 |
| Noncurrent loans to loans | 1.6135% | 3,349 |
| Net loans and leases to total assets | 72.0571% | 3,570 |
| Net loans and leases to deposits | 95.3886% | 2,546 |
| Net loans and leases to core deposits | 115.6509% | 3,160 |
| Total domestic deposits to total assets | 75.5405% | 6,333 |
| Equity capital to assets | 17.8585% | 666 |
| Core capital (leverage) ratio | 17.5575% | 645 |
| Tier 1 risk-based capital ratio | 20.2746% | 1,577 |
| Total risk-based capital ratio | 21.5937% | 1,531 |
| Memoranda: | ||
| Average total assets | $602,153,000 | 1,123 |
| Average earning assets | $547,482,200 | 1,126 |
| Average equity | $107,274,800 | 631 |
| Average total loans | $478,802,200 | 1,007 |