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 | 4.7890% | 2,494 |
| Cost of funding earning assets | 2.3362% | 513 |
| Net interest margin | 2.4527% | 4,140 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 1.5057% | 4,323 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0760% | 1,987 |
| Return on assets (ROA) | 1.0760% | 1,959 |
| Pretax return on assets | 1.3045% | 1,860 |
| Return on Equity (ROE) | 14.9800% | 1,294 |
| Retained earnings to average equity (ytd only) | 7.7192% | 1,619 |
| Net charge-offs to loans | 0.0115% | 2,215 |
| Credit loss provision to net charge-offs | 570.8155% | 614 |
| Earnings coverage of net charge-offs (x) | 163.4721% | 677 |
| Efficiency ratio | 52.7613% | 3,768 |
| Assets per employee ($millions) | 10.7425% | 572 |
| Cash dividends to net income (ytd only)* | 48.4544% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 2,672 |
| Loan loss allowance to noncurrent loans | 921.7491% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 2,932 |
| Noncurrent loans to loans | 0.1224% | 2,908 |
| Net loans and leases to total assets | 72.3200% | 1,543 |
| Net loans and leases to deposits | 80.9676% | 2,035 |
| Net loans and leases to core deposits | 118.3229% | 679 |
| Total domestic deposits to total assets | 89.3200% | 973 |
| Equity capital to assets | 7.3691% | 3,783 |
| Core capital (leverage) ratio | 8.4301% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6193% | 2,023 |
| Memoranda: | ||
| Average total assets | $2,828,967,000 | 419 |
| Average earning assets | $2,695,219,800 | 396 |
| Average equity | $203,271,800 | 530 |
| Average total loans | $2,033,666,200 | 395 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 2,495 |
| Cost of funding earning assets | 2.1930% | 504 |
| Net interest margin | 2.4943% | 4,150 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.5047% | 4,313 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.1178% | 1,997 |
| Return on assets (ROA) | 1.1178% | 1,979 |
| Pretax return on assets | 1.3545% | 1,883 |
| Return on Equity (ROE) | 15.6600% | 1,315 |
| Retained earnings to average equity (ytd only) | 8.3441% | 1,854 |
| Net charge-offs to loans | 0.0020% | 2,500 |
| Credit loss provision to net charge-offs | 1,396.6667% | 318 |
| Earnings coverage of net charge-offs (x) | 967.7333% | 163 |
| Efficiency ratio | 52.1589% | 3,745 |
| Assets per employee ($millions) | 10.8919% | 514 |
| Cash dividends to net income (ytd only)* | 46.7190% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 2,755 |
| Loan loss allowance to noncurrent loans | 909.5944% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 2,998 |
| Noncurrent loans to loans | 0.1233% | 2,938 |
| Net loans and leases to total assets | 70.7300% | 1,737 |
| Net loans and leases to deposits | 79.0904% | 2,132 |
| Net loans and leases to core deposits | 111.6713% | 809 |
| Total domestic deposits to total assets | 89.4200% | 1,107 |
| Equity capital to assets | 6.8148% | 3,700 |
| Core capital (leverage) ratio | 8.4772% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7220% | 1,996 |
| Memoranda: | ||
| Average total assets | $2,808,403,000 | 421 |
| Average earning assets | $2,674,974,750 | 400 |
| Average equity | $200,457,000 | 531 |
| Average total loans | $2,009,719,250 | 400 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 2,455 |
| Cost of funding earning assets | 2.0194% | 476 |
| Net interest margin | 2.5614% | 4,149 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 1.5082% | 4,325 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1426% | 1,993 |
| Return on assets (ROA) | 1.1426% | 1,987 |
| Pretax return on assets | 1.3845% | 1,853 |
| Return on Equity (ROE) | 15.7600% | 1,312 |
| Retained earnings to average equity (ytd only) | 8.5034% | 1,817 |
| Net charge-offs to loans | 0.0048% | 2,101 |
| Credit loss provision to net charge-offs | 1,208.3333% | 354 |
| Earnings coverage of net charge-offs (x) | 414.8333% | 347 |
| Efficiency ratio | 51.2120% | 3,838 |
| Assets per employee ($millions) | 10.2325% | 631 |
| Cash dividends to net income (ytd only)* | 46.0423% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,760 |
| Loan loss allowance to noncurrent loans | 1,176.7803% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,049 |
| Noncurrent loans to loans | 0.0968% | 3,013 |
| Net loans and leases to total assets | 71.6300% | 1,570 |
| Net loans and leases to deposits | 81.4814% | 1,875 |
| Net loans and leases to core deposits | 118.8216% | 543 |
| Total domestic deposits to total assets | 87.9000% | 1,643 |
| Equity capital to assets | 7.1551% | 3,713 |
| Core capital (leverage) ratio | 8.5223% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6253% | 2,051 |
| Memoranda: | ||
| Average total assets | $2,775,158,333 | 411 |
| Average earning assets | $2,644,127,000 | 391 |
| Average equity | $201,214,333 | 523 |
| Average total loans | $1,986,249,667 | 391 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 2,308 |
| Cost of funding earning assets | 0.6790% | 647 |
| Net interest margin | 3.1110% | 3,151 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 1.6425% | 4,256 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.5315% | 816 |
| Return on assets (ROA) | 1.5317% | 789 |
| Pretax return on assets | 1.8658% | 632 |
| Return on Equity (ROE) | 19.7000% | 506 |
| Retained earnings to average equity (ytd only) | 12.7779% | 539 |
| Net charge-offs to loans | 0.0307% | 1,455 |
| Credit loss provision to net charge-offs | 319.3431% | 888 |
| Earnings coverage of net charge-offs (x) | 91.7737% | 1,013 |
| Efficiency ratio | 45.8658% | 4,351 |
| Assets per employee ($millions) | 9.9049% | 696 |
| Cash dividends to net income (ytd only)* | 35.1282% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 3,858 |
| Loan loss allowance to noncurrent loans | 837.4061% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,050 |
| Noncurrent loans to loans | 0.1043% | 3,026 |
| Net loans and leases to total assets | 70.2000% | 1,621 |
| Net loans and leases to deposits | 79.7655% | 1,792 |
| Net loans and leases to core deposits | 107.7138% | 684 |
| Total domestic deposits to total assets | 88.0100% | 2,071 |
| Equity capital to assets | 7.4030% | 3,437 |
| Core capital (leverage) ratio | 8.8127% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5201% | 2,158 |
| Memoranda: | ||
| Average total assets | $2,601,989,800 | 441 |
| Average earning assets | $2,484,384,600 | 423 |
| Average equity | $202,333,800 | 521 |
| Average total loans | $1,783,640,000 | 410 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 2,279 |
| Cost of funding earning assets | 0.5025% | 747 |
| Net interest margin | 3.1198% | 2,865 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 1.6194% | 4,286 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.5756% | 695 |
| Return on assets (ROA) | 1.5759% | 675 |
| Pretax return on assets | 1.9206% | 555 |
| Return on Equity (ROE) | 20.0100% | 435 |
| Retained earnings to average equity (ytd only) | 13.1791% | 584 |
| Net charge-offs to loans | 0.0331% | 1,186 |
| Credit loss provision to net charge-offs | 299.5392% | 816 |
| Earnings coverage of net charge-offs (x) | 88.4931% | 1,001 |
| Efficiency ratio | 44.8227% | 4,436 |
| Assets per employee ($millions) | 9.9995% | 657 |
| Cash dividends to net income (ytd only)* | 34.1510% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 3,912 |
| Loan loss allowance to noncurrent loans | 881.0215% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,203 |
| Noncurrent loans to loans | 0.1001% | 3,160 |
| Net loans and leases to total assets | 68.2100% | 1,652 |
| Net loans and leases to deposits | 77.6758% | 1,745 |
| Net loans and leases to core deposits | 101.8550% | 752 |
| Total domestic deposits to total assets | 87.8100% | 2,480 |
| Equity capital to assets | 7.0825% | 3,469 |
| Core capital (leverage) ratio | 8.8402% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5242% | 2,252 |
| Memoranda: | ||
| Average total assets | $2,576,475,500 | 442 |
| Average earning assets | $2,460,399,750 | 428 |
| Average equity | $202,872,250 | 523 |
| Average total loans | $1,750,812,750 | 416 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5142% | 2,093 |
| Cost of funding earning assets | 0.3835% | 1,032 |
| Net interest margin | 3.1307% | 2,436 |
| Noninterest income to average assets | 0.6072% | 1,711 |
| Noninterest expense to average assets | 1.5934% | 4,312 |
| Loan and lease loss provision to assets | 0.0710% | 1,347 |
| Net operating income to assets | 1.5894% | 560 |
| Return on assets (ROA) | 1.5895% | 549 |
| Pretax return on assets | 1.9349% | 437 |
| Return on Equity (ROE) | 19.4905% | 342 |
| Retained earnings to average equity (ytd only) | 12.8160% | 489 |
| Net charge-offs to loans | 0.0257% | 1,204 |
| Credit loss provision to net charge-offs | 409.0909% | 695 |
| Earnings coverage of net charge-offs (x) | 115.5773% | 755 |
| Efficiency ratio | 44.1941% | 4,519 |
| Assets per employee ($millions) | 9.5084% | 751 |
| Cash dividends to net income (ytd only)* | 34.2449% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 3,935 |
| Loan loss allowance to noncurrent loans | 331.4444% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 2,390 |
| Noncurrent loans to loans | 0.2732% | 2,386 |
| Net loans and leases to total assets | 68.2966% | 1,458 |
| Net loans and leases to deposits | 78.6889% | 1,487 |
| Net loans and leases to core deposits | 100.3048% | 660 |
| Total domestic deposits to total assets | 86.7932% | 3,011 |
| Equity capital to assets | 7.6633% | 3,366 |
| Core capital (leverage) ratio | 8.7786% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5641% | 2,268 |
| Memoranda: | ||
| Average total assets | $2,535,341,667 | 446 |
| Average earning assets | $2,423,017,000 | 433 |
| Average equity | $206,756,667 | 515 |
| Average total loans | $1,715,092,000 | 415 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4771% | 1,879 |
| Cost of funding earning assets | 0.3194% | 1,470 |
| Net interest margin | 3.1577% | 2,000 |
| Noninterest income to average assets | 0.6291% | 1,567 |
| Noninterest expense to average assets | 1.6534% | 4,205 |
| Loan and lease loss provision to assets | 0.0719% | 1,147 |
| Net operating income to assets | 1.5805% | 533 |
| Return on assets (ROA) | 1.5806% | 529 |
| Pretax return on assets | 1.9234% | 422 |
| Return on Equity (ROE) | 18.7950% | 291 |
| Retained earnings to average equity (ytd only) | 12.3395% | 550 |
| Net charge-offs to loans | 0.0489% | 799 |
| Credit loss provision to net charge-offs | 219.5122% | 748 |
| Earnings coverage of net charge-offs (x) | 60.9512% | 849 |
| Efficiency ratio | 45.2429% | 4,523 |
| Assets per employee ($millions) | 9.4512% | 781 |
| Cash dividends to net income (ytd only)* | 34.3469% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 3,979 |
| Loan loss allowance to noncurrent loans | 309.4406% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 2,414 |
| Noncurrent loans to loans | 0.2983% | 2,401 |
| Net loans and leases to total assets | 67.3015% | 1,279 |
| Net loans and leases to deposits | 78.3530% | 1,260 |
| Net loans and leases to core deposits | 96.6002% | 630 |
| Total domestic deposits to total assets | 85.8953% | 3,300 |
| Equity capital to assets | 8.1445% | 3,453 |
| Core capital (leverage) ratio | 8.8822% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0051% | 2,200 |
| Memoranda: | ||
| Average total assets | $2,505,113,000 | 452 |
| Average earning assets | $2,395,426,500 | 437 |
| Average equity | $210,673,500 | 518 |
| Average total loans | $1,678,116,000 | 421 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3916% | 2,945 |
| Cost of funding earning assets | 0.4663% | 1,086 |
| Net interest margin | 2.9252% | 3,385 |
| Noninterest income to average assets | 0.7473% | 1,605 |
| Noninterest expense to average assets | 1.6927% | 4,306 |
| Loan and lease loss provision to assets | -0.0154% | 4,199 |
| Net operating income to assets | 1.5295% | 959 |
| Return on assets (ROA) | 1.5302% | 992 |
| Pretax return on assets | 1.8562% | 803 |
| Return on Equity (ROE) | 18.1285% | 452 |
| Retained earnings to average equity (ytd only) | 11.5892% | 596 |
| Net charge-offs to loans | 0.0227% | 1,801 |
| Credit loss provision to net charge-offs | -105.0420% | 3,370 |
| Earnings coverage of net charge-offs (x) | 125.1064% | 756 |
| Efficiency ratio | 47.8368% | 4,416 |
| Assets per employee ($millions) | 9.3490% | 829 |
| Cash dividends to net income (ytd only)* | 36.0719% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 3,961 |
| Loan loss allowance to noncurrent loans | 275.4881% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 2,428 |
| Noncurrent loans to loans | 0.3418% | 2,352 |
| Net loans and leases to total assets | 65.4181% | 1,543 |
| Net loans and leases to deposits | 76.8562% | 1,501 |
| Net loans and leases to core deposits | 91.9922% | 881 |
| Total domestic deposits to total assets | 85.1175% | 3,235 |
| Equity capital to assets | 8.6768% | 3,911 |
| Core capital (leverage) ratio | 8.5690% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1746% | 2,171 |
| Memoranda: | ||
| Average total assets | $2,427,612,000 | 447 |
| Average earning assets | $2,311,375,400 | 432 |
| Average equity | $204,914,400 | 525 |
| Average total loans | $1,571,890,800 | 450 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3793% | 3,162 |
| Cost of funding earning assets | 0.4930% | 1,080 |
| Net interest margin | 2.8863% | 3,582 |
| Noninterest income to average assets | 0.7551% | 1,658 |
| Noninterest expense to average assets | 1.5760% | 4,492 |
| Loan and lease loss provision to assets | 0.0871% | 1,360 |
| Net operating income to assets | 1.5151% | 1,236 |
| Return on assets (ROA) | 1.5161% | 1,286 |
| Pretax return on assets | 1.8372% | 1,075 |
| Return on Equity (ROE) | 18.0924% | 618 |
| Retained earnings to average equity (ytd only) | 11.3597% | 980 |
| Net charge-offs to loans | 0.0276% | 1,496 |
| Credit loss provision to net charge-offs | 490.6542% | 767 |
| Earnings coverage of net charge-offs (x) | 108.3115% | 833 |
| Efficiency ratio | 44.9582% | 4,544 |
| Assets per employee ($millions) | 9.7500% | 696 |
| Cash dividends to net income (ytd only)* | 37.2127% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 3,521 |
| Loan loss allowance to noncurrent loans | 274.6627% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 2,495 |
| Noncurrent loans to loans | 0.3938% | 2,386 |
| Net loans and leases to total assets | 64.1480% | 1,752 |
| Net loans and leases to deposits | 78.6976% | 1,414 |
| Net loans and leases to core deposits | 90.6067% | 1,000 |
| Total domestic deposits to total assets | 81.5120% | 4,014 |
| Equity capital to assets | 8.3941% | 4,279 |
| Core capital (leverage) ratio | 8.5112% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3710% | 2,219 |
| Memoranda: | ||
| Average total assets | $2,410,466,500 | 453 |
| Average earning assets | $2,291,657,750 | 442 |
| Average equity | $201,995,250 | 538 |
| Average total loans | $1,552,742,500 | 463 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3758% | 3,244 |
| Cost of funding earning assets | 0.5214% | 1,083 |
| Net interest margin | 2.8544% | 3,671 |
| Noninterest income to average assets | 0.7942% | 1,554 |
| Noninterest expense to average assets | 1.5802% | 4,536 |
| Loan and lease loss provision to assets | 0.0882% | 1,403 |
| Net operating income to assets | 1.5171% | 1,248 |
| Return on assets (ROA) | 1.5286% | 1,286 |
| Pretax return on assets | 1.8506% | 1,120 |
| Return on Equity (ROE) | 18.2518% | 620 |
| Retained earnings to average equity (ytd only) | 11.4343% | 1,027 |
| Net charge-offs to loans | 0.0351% | 1,293 |
| Credit loss provision to net charge-offs | 390.3346% | 769 |
| Earnings coverage of net charge-offs (x) | 85.2268% | 814 |
| Efficiency ratio | 45.0007% | 4,572 |
| Assets per employee ($millions) | 9.3657% | 755 |
| Cash dividends to net income (ytd only)* | 37.3524% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,536 |
| Loan loss allowance to noncurrent loans | 240.4234% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 2,403 |
| Noncurrent loans to loans | 0.4458% | 2,333 |
| Net loans and leases to total assets | 65.0726% | 1,816 |
| Net loans and leases to deposits | 80.1123% | 1,412 |
| Net loans and leases to core deposits | 96.9176% | 764 |
| Total domestic deposits to total assets | 81.2268% | 4,058 |
| Equity capital to assets | 8.4826% | 4,217 |
| Core capital (leverage) ratio | 8.5259% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4475% | 2,190 |
| Memoranda: | ||
| Average total assets | $2,381,951,333 | 455 |
| Average earning assets | $2,262,262,667 | 443 |
| Average equity | $199,487,667 | 541 |
| Average total loans | $1,530,773,667 | 473 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4343% | 3,109 |
| Cost of funding earning assets | 0.5488% | 1,108 |
| Net interest margin | 2.8855% | 3,564 |
| Noninterest income to average assets | 0.8385% | 1,494 |
| Noninterest expense to average assets | 1.6286% | 4,492 |
| Loan and lease loss provision to assets | 0.0888% | 1,487 |
| Net operating income to assets | 1.5358% | 1,250 |
| Return on assets (ROA) | 1.5525% | 1,279 |
| Pretax return on assets | 1.8804% | 1,146 |
| Return on Equity (ROE) | 18.6595% | 654 |
| Retained earnings to average equity (ytd only) | 11.7471% | 1,216 |
| Net charge-offs to loans | 0.0490% | 1,005 |
| Credit loss provision to net charge-offs | 285.3261% | 781 |
| Earnings coverage of net charge-offs (x) | 62.6250% | 805 |
| Efficiency ratio | 45.4399% | 4,503 |
| Assets per employee ($millions) | 9.2420% | 760 |
| Cash dividends to net income (ytd only)* | 37.0451% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,478 |
| Loan loss allowance to noncurrent loans | 236.1799% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 2,592 |
| Noncurrent loans to loans | 0.4621% | 2,466 |
| Net loans and leases to total assets | 62.5780% | 2,222 |
| Net loans and leases to deposits | 76.9268% | 1,809 |
| Net loans and leases to core deposits | 95.1963% | 922 |
| Total domestic deposits to total assets | 81.3474% | 4,007 |
| Equity capital to assets | 8.2807% | 4,294 |
| Core capital (leverage) ratio | 8.4883% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7181% | 1,997 |
| Memoranda: | ||
| Average total assets | $2,364,756,000 | 448 |
| Average earning assets | $2,244,884,000 | 436 |
| Average equity | $196,747,000 | 539 |
| Average total loans | $1,501,455,000 | 480 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 3,402 |
| Cost of funding earning assets | 0.8311% | 1,090 |
| Net interest margin | 2.9348% | 4,048 |
| Noninterest income to average assets | 0.7261% | 1,763 |
| Noninterest expense to average assets | 1.7751% | 4,513 |
| Loan and lease loss provision to assets | 0.2760% | 1,390 |
| Net operating income to assets | 1.2232% | 1,470 |
| Return on assets (ROA) | 1.2675% | 1,446 |
| Pretax return on assets | 1.5123% | 1,296 |
| Return on Equity (ROE) | 14.7377% | 682 |
| Retained earnings to average equity (ytd only) | 7.6834% | 1,149 |
| Net charge-offs to loans | 0.1022% | 1,450 |
| Credit loss provision to net charge-offs | 421.3092% | 1,384 |
| Earnings coverage of net charge-offs (x) | 26.4958% | 1,714 |
| Efficiency ratio | 50.5061% | 4,500 |
| Assets per employee ($millions) | 9.3064% | 673 |
| Cash dividends to net income (ytd only)* | 47.8658% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,478 |
| Loan loss allowance to noncurrent loans | 197.6049% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 2,417 |
| Noncurrent loans to loans | 0.5548% | 2,319 |
| Net loans and leases to total assets | 63.0263% | 2,485 |
| Net loans and leases to deposits | 79.4390% | 1,932 |
| Net loans and leases to core deposits | 97.1858% | 1,050 |
| Total domestic deposits to total assets | 79.3392% | 4,158 |
| Equity capital to assets | 8.3605% | 4,548 |
| Core capital (leverage) ratio | 8.4396% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7006% | 1,971 |
| Memoranda: | ||
| Average total assets | $2,192,188,000 | 440 |
| Average earning assets | $2,079,957,600 | 429 |
| Average equity | $188,537,000 | 534 |
| Average total loans | $1,404,844,000 | 474 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8303% | 3,474 |
| Cost of funding earning assets | 0.8998% | 1,072 |
| Net interest margin | 2.9305% | 4,127 |
| Noninterest income to average assets | 0.7131% | 1,755 |
| Noninterest expense to average assets | 1.7628% | 4,551 |
| Loan and lease loss provision to assets | 0.2811% | 1,431 |
| Net operating income to assets | 1.2141% | 1,601 |
| Return on assets (ROA) | 1.2752% | 1,520 |
| Pretax return on assets | 1.5245% | 1,394 |
| Return on Equity (ROE) | 14.7164% | 742 |
| Retained earnings to average equity (ytd only) | 7.6594% | 1,435 |
| Net charge-offs to loans | 0.0787% | 1,522 |
| Credit loss provision to net charge-offs | 556.2347% | 1,212 |
| Earnings coverage of net charge-offs (x) | 34.2946% | 1,479 |
| Efficiency ratio | 50.3737% | 4,464 |
| Assets per employee ($millions) | 9.1950% | 655 |
| Cash dividends to net income (ytd only)* | 47.9535% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,387 |
| Loan loss allowance to noncurrent loans | 144.9411% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 2,194 |
| Noncurrent loans to loans | 0.7349% | 1,970 |
| Net loans and leases to total assets | 63.1162% | 2,869 |
| Net loans and leases to deposits | 80.9224% | 2,204 |
| Net loans and leases to core deposits | 96.6884% | 1,405 |
| Total domestic deposits to total assets | 77.9959% | 4,206 |
| Equity capital to assets | 8.4178% | 4,508 |
| Core capital (leverage) ratio | 8.3825% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3315% | 1,719 |
| Memoranda: | ||
| Average total assets | $2,158,587,500 | 439 |
| Average earning assets | $2,049,552,750 | 427 |
| Average equity | $187,042,500 | 532 |
| Average total loans | $1,385,401,000 | 477 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 3,404 |
| Cost of funding earning assets | 0.9987% | 990 |
| Net interest margin | 2.9708% | 4,188 |
| Noninterest income to average assets | 0.6649% | 1,879 |
| Noninterest expense to average assets | 1.8320% | 4,513 |
| Loan and lease loss provision to assets | 0.2589% | 1,632 |
| Net operating income to assets | 1.1665% | 1,737 |
| Return on assets (ROA) | 1.2597% | 1,584 |
| Pretax return on assets | 1.5057% | 1,444 |
| Return on Equity (ROE) | 14.3921% | 808 |
| Retained earnings to average equity (ytd only) | 7.3461% | 1,520 |
| Net charge-offs to loans | 0.0408% | 1,923 |
| Credit loss provision to net charge-offs | 985.6631% | 802 |
| Earnings coverage of net charge-offs (x) | 62.9462% | 934 |
| Efficiency ratio | 52.5001% | 4,326 |
| Assets per employee ($millions) | 8.9666% | 684 |
| Cash dividends to net income (ytd only)* | 48.9573% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 3,716 |
| Loan loss allowance to noncurrent loans | 143.8035% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 2,409 |
| Noncurrent loans to loans | 0.6736% | 2,180 |
| Net loans and leases to total assets | 64.6067% | 2,806 |
| Net loans and leases to deposits | 82.8467% | 2,107 |
| Net loans and leases to core deposits | 102.8427% | 1,074 |
| Total domestic deposits to total assets | 77.9835% | 4,191 |
| Equity capital to assets | 8.4059% | 4,530 |
| Core capital (leverage) ratio | 8.3848% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9256% | 1,847 |
| Memoranda: | ||
| Average total assets | $2,124,130,333 | 438 |
| Average earning assets | $2,016,778,667 | 425 |
| Average equity | $185,921,000 | 535 |
| Average total loans | $1,366,190,333 | 473 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 3,050 |
| Cost of funding earning assets | 1.1748% | 834 |
| Net interest margin | 3.0808% | 4,133 |
| Noninterest income to average assets | 0.6267% | 1,921 |
| Noninterest expense to average assets | 2.0927% | 4,229 |
| Loan and lease loss provision to assets | 0.0773% | 2,756 |
| Net operating income to assets | 1.1549% | 1,677 |
| Return on assets (ROA) | 1.2768% | 1,403 |
| Pretax return on assets | 1.5284% | 1,238 |
| Return on Equity (ROE) | 14.2821% | 650 |
| Retained earnings to average equity (ytd only) | 7.3648% | 1,419 |
| Net charge-offs to loans | 0.0548% | 1,460 |
| Credit loss provision to net charge-offs | 220.9945% | 1,363 |
| Earnings coverage of net charge-offs (x) | 41.7569% | 1,005 |
| Efficiency ratio | 58.8350% | 3,897 |
| Assets per employee ($millions) | 8.6179% | 609 |
| Cash dividends to net income (ytd only)* | 48.4335% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 4,180 |
| Loan loss allowance to noncurrent loans | 85.8156% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 1,982 |
| Noncurrent loans to loans | 1.0275% | 1,615 |
| Net loans and leases to total assets | 63.3881% | 3,135 |
| Net loans and leases to deposits | 81.0009% | 2,580 |
| Net loans and leases to core deposits | 104.7879% | 1,133 |
| Total domestic deposits to total assets | 78.2560% | 4,174 |
| Equity capital to assets | 8.8659% | 4,667 |
| Core capital (leverage) ratio | 8.7427% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9860% | 1,909 |
| Memoranda: | ||
| Average total assets | $2,069,854,500 | 434 |
| Average earning assets | $1,966,251,500 | 418 |
| Average equity | $185,042,500 | 534 |
| Average total loans | $1,320,999,000 | 474 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 3,703 |
| Cost of funding earning assets | 1.3960% | 573 |
| Net interest margin | 2.8451% | 4,715 |
| Noninterest income to average assets | 0.6707% | 1,916 |
| Noninterest expense to average assets | 1.7439% | 4,834 |
| Loan and lease loss provision to assets | 0.0633% | 2,772 |
| Net operating income to assets | 1.3122% | 1,641 |
| Return on assets (ROA) | 1.3220% | 1,688 |
| Pretax return on assets | 1.5732% | 1,574 |
| Return on Equity (ROE) | 14.9955% | 690 |
| Retained earnings to average equity (ytd only) | 7.7624% | 1,056 |
| Net charge-offs to loans | 0.0668% | 2,133 |
| Credit loss provision to net charge-offs | 148.2800% | 1,730 |
| Earnings coverage of net charge-offs (x) | 38.0866% | 1,359 |
| Efficiency ratio | 51.7021% | 4,628 |
| Assets per employee ($millions) | 8.4872% | 595 |
| Cash dividends to net income (ytd only)* | 48.2352% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 3,972 |
| Loan loss allowance to noncurrent loans | 63.9154% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9077% | 1,403 |
| Noncurrent loans to loans | 1.4038% | 1,042 |
| Net loans and leases to total assets | 63.1140% | 3,304 |
| Net loans and leases to deposits | 77.8441% | 3,025 |
| Net loans and leases to core deposits | 104.6683% | 1,189 |
| Total domestic deposits to total assets | 81.0775% | 3,749 |
| Equity capital to assets | 9.0162% | 4,678 |
| Core capital (leverage) ratio | 8.8416% | 4,645 |
| Tier 1 risk-based capital ratio | 14.2493% | 3,144 |
| Total risk-based capital ratio | 15.1907% | 3,205 |
| Memoranda: | ||
| Average total assets | $1,976,009,800 | 432 |
| Average earning assets | $1,873,815,000 | 414 |
| Average equity | $174,198,400 | 530 |
| Average total loans | $1,262,806,000 | 478 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 3,731 |
| Cost of funding earning assets | 1.4298% | 515 |
| Net interest margin | 2.8462% | 4,813 |
| Noninterest income to average assets | 0.6665% | 1,925 |
| Noninterest expense to average assets | 1.7483% | 4,870 |
| Loan and lease loss provision to assets | 0.0595% | 2,704 |
| Net operating income to assets | 1.3085% | 1,819 |
| Return on assets (ROA) | 1.3093% | 1,901 |
| Pretax return on assets | 1.5560% | 1,792 |
| Return on Equity (ROE) | 14.9404% | 787 |
| Retained earnings to average equity (ytd only) | 7.6467% | 1,561 |
| Net charge-offs to loans | 0.0364% | 2,357 |
| Credit loss provision to net charge-offs | 255.8480% | 1,070 |
| Earnings coverage of net charge-offs (x) | 69.4238% | 957 |
| Efficiency ratio | 51.9250% | 4,601 |
| Assets per employee ($millions) | 8.2692% | 630 |
| Cash dividends to net income (ytd only)* | 48.8185% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 3,923 |
| Loan loss allowance to noncurrent loans | 69.7185% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 1,596 |
| Noncurrent loans to loans | 1.3347% | 1,150 |
| Net loans and leases to total assets | 62.5918% | 3,433 |
| Net loans and leases to deposits | 77.1121% | 3,189 |
| Net loans and leases to core deposits | 100.8561% | 1,590 |
| Total domestic deposits to total assets | 81.1698% | 3,701 |
| Equity capital to assets | 8.9779% | 4,791 |
| Core capital (leverage) ratio | 8.7850% | 4,787 |
| Tier 1 risk-based capital ratio | 14.3835% | 3,143 |
| Total risk-based capital ratio | 15.3642% | 3,179 |
| Memoranda: | ||
| Average total assets | $1,960,779,250 | 436 |
| Average earning assets | $1,857,512,250 | 420 |
| Average equity | $171,834,500 | 540 |
| Average total loans | $1,254,200,250 | 482 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2781% | 3,701 |
| Cost of funding earning assets | 1.4353% | 475 |
| Net interest margin | 2.8428% | 4,880 |
| Noninterest income to average assets | 0.6654% | 1,852 |
| Noninterest expense to average assets | 1.7301% | 4,950 |
| Loan and lease loss provision to assets | 0.0642% | 2,530 |
| Net operating income to assets | 1.3175% | 1,711 |
| Return on assets (ROA) | 1.3175% | 1,769 |
| Pretax return on assets | 1.5647% | 1,651 |
| Return on Equity (ROE) | 15.1608% | 729 |
| Retained earnings to average equity (ytd only) | 7.8333% | 1,457 |
| Net charge-offs to loans | 0.0617% | 1,761 |
| Credit loss provision to net charge-offs | 161.9171% | 1,411 |
| Earnings coverage of net charge-offs (x) | 41.0881% | 1,229 |
| Efficiency ratio | 51.4386% | 4,693 |
| Assets per employee ($millions) | 8.1282% | 641 |
| Cash dividends to net income (ytd only)* | 48.3318% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,020 |
| Loan loss allowance to noncurrent loans | 71.3992% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 1,695 |
| Noncurrent loans to loans | 1.2862% | 1,228 |
| Net loans and leases to total assets | 62.9205% | 3,457 |
| Net loans and leases to deposits | 77.6484% | 3,177 |
| Net loans and leases to core deposits | 109.4499% | 1,003 |
| Total domestic deposits to total assets | 81.0326% | 3,802 |
| Equity capital to assets | 8.9391% | 4,828 |
| Core capital (leverage) ratio | 8.6700% | 4,865 |
| Tier 1 risk-based capital ratio | 14.3667% | 3,135 |
| Total risk-based capital ratio | 15.3401% | 3,193 |
| Memoranda: | ||
| Average total assets | $1,947,327,330 | 440 |
| Average earning assets | $1,845,068,000 | 423 |
| Average equity | $169,226,330 | 546 |
| Average total loans | $1,250,830,000 | 481 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2334% | 3,768 |
| Cost of funding earning assets | 1.3872% | 480 |
| Net interest margin | 2.8462% | 4,942 |
| Noninterest income to average assets | 0.6146% | 1,976 |
| Noninterest expense to average assets | 1.6973% | 5,019 |
| Loan and lease loss provision to assets | 0.0774% | 2,133 |
| Net operating income to assets | 1.2943% | 1,713 |
| Return on assets (ROA) | 1.2943% | 1,754 |
| Pretax return on assets | 1.5375% | 1,652 |
| Return on Equity (ROE) | 15.1131% | 728 |
| Retained earnings to average equity (ytd only) | 7.8808% | 1,710 |
| Net charge-offs to loans | 0.0371% | 1,742 |
| Credit loss provision to net charge-offs | 323.2759% | 785 |
| Earnings coverage of net charge-offs (x) | 67.4310% | 859 |
| Efficiency ratio | 51.1750% | 4,745 |
| Assets per employee ($millions) | 8.5196% | 556 |
| Cash dividends to net income (ytd only)* | 47.8545% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 4,117 |
| Loan loss allowance to noncurrent loans | 83.6245% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 1,918 |
| Noncurrent loans to loans | 1.0861% | 1,531 |
| Net loans and leases to total assets | 63.9744% | 3,287 |
| Net loans and leases to deposits | 77.9671% | 3,061 |
| Net loans and leases to core deposits | 110.5693% | 893 |
| Total domestic deposits to total assets | 82.0530% | 3,711 |
| Equity capital to assets | 8.6287% | 4,913 |
| Core capital (leverage) ratio | 8.6032% | 4,944 |
| Tier 1 risk-based capital ratio | 13.9323% | 3,374 |
| Total risk-based capital ratio | 14.8969% | 3,435 |
| Memoranda: | ||
| Average total assets | $1,937,479,500 | 443 |
| Average earning assets | $1,836,260,500 | 430 |
| Average equity | $165,922,000 | 552 |
| Average total loans | $1,251,679,000 | 483 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,990 |
| Cost of funding earning assets | 1.1452% | 424 |
| Net interest margin | 2.8679% | 4,951 |
| Noninterest income to average assets | 0.6416% | 2,086 |
| Noninterest expense to average assets | 1.7624% | 5,039 |
| Loan and lease loss provision to assets | 0.0798% | 2,527 |
| Net operating income to assets | 1.2709% | 1,912 |
| Return on assets (ROA) | 1.2710% | 1,910 |
| Pretax return on assets | 1.5087% | 1,752 |
| Return on Equity (ROE) | 15.3644% | 751 |
| Retained earnings to average equity (ytd only) | 8.0967% | 1,189 |
| Net charge-offs to loans | 0.0823% | 1,962 |
| Credit loss provision to net charge-offs | 150.4514% | 1,829 |
| Earnings coverage of net charge-offs (x) | 29.9468% | 1,604 |
| Efficiency ratio | 52.5269% | 4,755 |
| Assets per employee ($millions) | 8.1508% | 630 |
| Cash dividends to net income (ytd only)* | 47.3021% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 4,124 |
| Loan loss allowance to noncurrent loans | 74.4877% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 1,709 |
| Noncurrent loans to loans | 1.2177% | 1,310 |
| Net loans and leases to total assets | 64.0608% | 3,352 |
| Net loans and leases to deposits | 80.2899% | 2,923 |
| Net loans and leases to core deposits | 107.7174% | 1,139 |
| Total domestic deposits to total assets | 79.7868% | 4,151 |
| Equity capital to assets | 8.4974% | 4,932 |
| Core capital (leverage) ratio | 8.5065% | 5,028 |
| Tier 1 risk-based capital ratio | 14.1340% | 3,226 |
| Total risk-based capital ratio | 15.1099% | 3,287 |
| Memoranda: | ||
| Average total assets | $1,879,592,000 | 438 |
| Average earning assets | $1,775,635,800 | 423 |
| Average equity | $155,482,800 | 555 |
| Average total loans | $1,212,141,400 | 481 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 4,089 |
| Cost of funding earning assets | 1.0965% | 410 |
| Net interest margin | 2.8497% | 5,037 |
| Noninterest income to average assets | 0.6401% | 2,116 |
| Noninterest expense to average assets | 1.7667% | 5,071 |
| Loan and lease loss provision to assets | 0.0950% | 2,076 |
| Net operating income to assets | 1.2406% | 2,083 |
| Return on assets (ROA) | 1.2406% | 2,086 |
| Pretax return on assets | 1.4695% | 1,997 |
| Return on Equity (ROE) | 15.1028% | 851 |
| Retained earnings to average equity (ytd only) | 7.8577% | 1,723 |
| Net charge-offs to loans | 0.0420% | 2,246 |
| Credit loss provision to net charge-offs | 350.7895% | 892 |
| Earnings coverage of net charge-offs (x) | 57.7636% | 1,078 |
| Efficiency ratio | 52.9666% | 4,711 |
| Assets per employee ($millions) | 8.2984% | 567 |
| Cash dividends to net income (ytd only)* | 47.9720% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 4,098 |
| Loan loss allowance to noncurrent loans | 81.0069% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 1,934 |
| Noncurrent loans to loans | 1.1586% | 1,458 |
| Net loans and leases to total assets | 63.2275% | 3,519 |
| Net loans and leases to deposits | 81.3195% | 2,891 |
| Net loans and leases to core deposits | 114.7457% | 776 |
| Total domestic deposits to total assets | 77.7520% | 4,520 |
| Equity capital to assets | 7.9898% | 5,183 |
| Core capital (leverage) ratio | 8.3935% | 5,146 |
| Tier 1 risk-based capital ratio | 13.7492% | 3,488 |
| Total risk-based capital ratio | 14.7581% | 3,537 |
| Memoranda: | ||
| Average total assets | $1,870,628,000 | 435 |
| Average earning assets | $1,766,492,500 | 421 |
| Average equity | $153,662,750 | 553 |
| Average total loans | $1,205,606,000 | 478 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 4,055 |
| Cost of funding earning assets | 1.0315% | 406 |
| Net interest margin | 2.8769% | 5,048 |
| Noninterest income to average assets | 0.6505% | 2,090 |
| Noninterest expense to average assets | 1.7990% | 5,092 |
| Loan and lease loss provision to assets | 0.1085% | 1,808 |
| Net operating income to assets | 1.2327% | 2,047 |
| Return on assets (ROA) | 1.2327% | 2,045 |
| Pretax return on assets | 1.4587% | 1,959 |
| Return on Equity (ROE) | 14.8627% | 880 |
| Retained earnings to average equity (ytd only) | 7.7360% | 1,736 |
| Net charge-offs to loans | 0.0431% | 2,002 |
| Credit loss provision to net charge-offs | 389.1051% | 843 |
| Earnings coverage of net charge-offs (x) | 56.2257% | 1,038 |
| Efficiency ratio | 53.3765% | 4,751 |
| Assets per employee ($millions) | 7.8420% | 665 |
| Cash dividends to net income (ytd only)* | 47.9500% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,177 |
| Loan loss allowance to noncurrent loans | 79.7553% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 1,881 |
| Noncurrent loans to loans | 1.1743% | 1,479 |
| Net loans and leases to total assets | 64.4735% | 3,343 |
| Net loans and leases to deposits | 85.5729% | 2,366 |
| Net loans and leases to core deposits | 135.0087% | 252 |
| Total domestic deposits to total assets | 75.3434% | 4,922 |
| Equity capital to assets | 8.2008% | 5,131 |
| Core capital (leverage) ratio | 8.4816% | 5,125 |
| Tier 1 risk-based capital ratio | 13.8380% | 3,440 |
| Total risk-based capital ratio | 14.8552% | 3,468 |
| Memoranda: | ||
| Average total assets | $1,844,132,000 | 439 |
| Average earning assets | $1,740,777,330 | 428 |
| Average equity | $152,947,000 | 552 |
| Average total loans | $1,192,577,330 | 480 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8568% | 4,066 |
| Cost of funding earning assets | 0.9388% | 489 |
| Net interest margin | 2.9180% | 5,001 |
| Noninterest income to average assets | 0.6248% | 2,149 |
| Noninterest expense to average assets | 1.8469% | 5,109 |
| Loan and lease loss provision to assets | 0.1096% | 1,707 |
| Net operating income to assets | 1.2021% | 1,994 |
| Return on assets (ROA) | 1.2021% | 2,006 |
| Pretax return on assets | 1.4223% | 1,923 |
| Return on Equity (ROE) | 14.4108% | 927 |
| Retained earnings to average equity (ytd only) | 7.8425% | 1,902 |
| Net charge-offs to loans | 0.0925% | 1,244 |
| Credit loss provision to net charge-offs | 183.8235% | 1,101 |
| Earnings coverage of net charge-offs (x) | 25.6985% | 1,337 |
| Efficiency ratio | 54.5891% | 4,728 |
| Assets per employee ($millions) | 7.8628% | 652 |
| Cash dividends to net income (ytd only)* | 45.5789% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 4,345 |
| Loan loss allowance to noncurrent loans | 75.9900% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.8446% | 1,871 |
| Noncurrent loans to loans | 1.2134% | 1,494 |
| Net loans and leases to total assets | 63.9891% | 3,309 |
| Net loans and leases to deposits | 82.3597% | 2,564 |
| Net loans and leases to core deposits | 130.0624% | 342 |
| Total domestic deposits to total assets | 77.6947% | 4,767 |
| Equity capital to assets | 8.2788% | 5,118 |
| Core capital (leverage) ratio | 8.4830% | 5,150 |
| Tier 1 risk-based capital ratio | 13.8950% | 3,434 |
| Total risk-based capital ratio | 14.8895% | 3,492 |
| Memoranda: | ||
| Average total assets | $1,825,153,000 | 448 |
| Average earning assets | $1,722,560,000 | 434 |
| Average equity | $152,247,000 | 557 |
| Average total loans | $1,176,405,500 | 489 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 4,255 |
| Cost of funding earning assets | 0.8207% | 554 |
| Net interest margin | 2.9142% | 5,023 |
| Noninterest income to average assets | 0.6539% | 2,175 |
| Noninterest expense to average assets | 1.7838% | 5,251 |
| Loan and lease loss provision to assets | 0.1146% | 1,985 |
| Net operating income to assets | 1.1242% | 1,776 |
| Return on assets (ROA) | 1.1446% | 1,735 |
| Pretax return on assets | 1.5341% | 1,506 |
| Return on Equity (ROE) | 13.4829% | 851 |
| Retained earnings to average equity (ytd only) | 6.7354% | 1,181 |
| Net charge-offs to loans | 0.1265% | 1,782 |
| Credit loss provision to net charge-offs | 141.9446% | 1,867 |
| Earnings coverage of net charge-offs (x) | 20.0901% | 1,987 |
| Efficiency ratio | 52.3113% | 5,083 |
| Assets per employee ($millions) | 7.8373% | 679 |
| Cash dividends to net income (ytd only)* | 50.0450% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 4,366 |
| Loan loss allowance to noncurrent loans | 70.6785% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8944% | 1,739 |
| Noncurrent loans to loans | 1.3035% | 1,335 |
| Net loans and leases to total assets | 63.7310% | 3,396 |
| Net loans and leases to deposits | 81.2625% | 2,789 |
| Net loans and leases to core deposits | 118.0126% | 652 |
| Total domestic deposits to total assets | 78.4260% | 4,649 |
| Equity capital to assets | 8.4055% | 5,185 |
| Core capital (leverage) ratio | 8.4905% | 5,143 |
| Tier 1 risk-based capital ratio | 14.0851% | 3,315 |
| Total risk-based capital ratio | 15.0917% | 3,359 |
| Memoranda: | ||
| Average total assets | $1,745,746,600 | 455 |
| Average earning assets | $1,648,245,600 | 442 |
| Average equity | $148,202,200 | 549 |
| Average total loans | $1,114,119,200 | 489 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,269 |
| Cost of funding earning assets | 0.8093% | 545 |
| Net interest margin | 2.9096% | 5,075 |
| Noninterest income to average assets | 0.6460% | 2,228 |
| Noninterest expense to average assets | 1.7741% | 5,301 |
| Loan and lease loss provision to assets | 0.1349% | 1,605 |
| Net operating income to assets | 1.1104% | 2,041 |
| Return on assets (ROA) | 1.1378% | 1,980 |
| Pretax return on assets | 1.5212% | 1,702 |
| Return on Equity (ROE) | 13.3684% | 966 |
| Retained earnings to average equity (ytd only) | 6.5755% | 1,927 |
| Net charge-offs to loans | 0.1060% | 1,731 |
| Credit loss provision to net charge-offs | 199.7717% | 1,352 |
| Earnings coverage of net charge-offs (x) | 23.9829% | 1,787 |
| Efficiency ratio | 52.2045% | 5,080 |
| Assets per employee ($millions) | 7.5988% | 731 |
| Cash dividends to net income (ytd only)* | 50.8130% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 4,177 |
| Loan loss allowance to noncurrent loans | 64.7384% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 1,716 |
| Noncurrent loans to loans | 1.5167% | 1,230 |
| Net loans and leases to total assets | 63.5400% | 3,483 |
| Net loans and leases to deposits | 82.1982% | 2,760 |
| Net loans and leases to core deposits | 113.9641% | 840 |
| Total domestic deposits to total assets | 77.3010% | 4,832 |
| Equity capital to assets | 8.6287% | 5,208 |
| Core capital (leverage) ratio | 8.3577% | 5,338 |
| Tier 1 risk-based capital ratio | 14.6593% | 3,094 |
| Total risk-based capital ratio | 15.7564% | 3,091 |
| Memoranda: | ||
| Average total assets | $1,729,579,000 | 462 |
| Average earning assets | $1,633,311,500 | 448 |
| Average equity | $147,209,250 | 555 |
| Average total loans | $1,101,517,750 | 494 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6701% | 4,316 |
| Cost of funding earning assets | 0.7805% | 579 |
| Net interest margin | 2.8897% | 5,115 |
| Noninterest income to average assets | 0.6416% | 2,243 |
| Noninterest expense to average assets | 1.7560% | 5,362 |
| Loan and lease loss provision to assets | 0.1160% | 1,772 |
| Net operating income to assets | 1.1248% | 1,875 |
| Return on assets (ROA) | 1.1250% | 1,922 |
| Pretax return on assets | 1.4992% | 1,638 |
| Return on Equity (ROE) | 13.2799% | 962 |
| Retained earnings to average equity (ytd only) | 6.4311% | 1,886 |
| Net charge-offs to loans | 0.0963% | 1,663 |
| Credit loss provision to net charge-offs | 189.7533% | 1,320 |
| Earnings coverage of net charge-offs (x) | 26.4080% | 1,576 |
| Efficiency ratio | 52.0172% | 5,173 |
| Assets per employee ($millions) | 7.4984% | 740 |
| Cash dividends to net income (ytd only)* | 51.5730% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 4,437 |
| Loan loss allowance to noncurrent loans | 142.2005% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 3,343 |
| Noncurrent loans to loans | 0.6653% | 2,755 |
| Net loans and leases to total assets | 63.0446% | 3,507 |
| Net loans and leases to deposits | 84.1513% | 2,451 |
| Net loans and leases to core deposits | 122.9363% | 469 |
| Total domestic deposits to total assets | 74.9182% | 5,209 |
| Equity capital to assets | 8.4294% | 5,341 |
| Core capital (leverage) ratio | 8.3517% | 5,317 |
| Tier 1 risk-based capital ratio | 14.1622% | 3,333 |
| Total risk-based capital ratio | 15.2019% | 3,369 |
| Memoranda: | ||
| Average total assets | $1,723,528,670 | 466 |
| Average earning assets | $1,627,948,000 | 449 |
| Average equity | $146,010,330 | 559 |
| Average total loans | $1,094,850,330 | 494 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6435% | 4,296 |
| Cost of funding earning assets | 0.7490% | 656 |
| Net interest margin | 2.8945% | 5,095 |
| Noninterest income to average assets | 0.6246% | 2,296 |
| Noninterest expense to average assets | 1.7765% | 5,408 |
| Loan and lease loss provision to assets | 0.1174% | 1,628 |
| Net operating income to assets | 1.1068% | 1,839 |
| Return on assets (ROA) | 1.1074% | 1,877 |
| Pretax return on assets | 1.4660% | 1,646 |
| Return on Equity (ROE) | 13.0379% | 992 |
| Retained earnings to average equity (ytd only) | 6.1293% | 2,268 |
| Net charge-offs to loans | 0.1002% | 1,370 |
| Credit loss provision to net charge-offs | 184.5018% | 1,074 |
| Earnings coverage of net charge-offs (x) | 24.8819% | 1,343 |
| Efficiency ratio | 52.8088% | 5,220 |
| Assets per employee ($millions) | 7.5214% | 748 |
| Cash dividends to net income (ytd only)* | 52.9886% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 4,549 |
| Loan loss allowance to noncurrent loans | 121.7928% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 3,146 |
| Noncurrent loans to loans | 0.7804% | 2,508 |
| Net loans and leases to total assets | 62.4503% | 3,477 |
| Net loans and leases to deposits | 80.1970% | 2,724 |
| Net loans and leases to core deposits | 118.3157% | 514 |
| Total domestic deposits to total assets | 77.8712% | 4,982 |
| Equity capital to assets | 8.4329% | 5,286 |
| Core capital (leverage) ratio | 8.3407% | 5,349 |
| Tier 1 risk-based capital ratio | 14.3422% | 3,291 |
| Total risk-based capital ratio | 15.3889% | 3,316 |
| Memoranda: | ||
| Average total assets | $1,704,236,000 | 472 |
| Average earning assets | $1,610,082,000 | 458 |
| Average equity | $144,747,500 | 557 |
| Average total loans | $1,081,511,000 | 496 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 4,387 |
| Cost of funding earning assets | 0.7230% | 732 |
| Net interest margin | 2.9221% | 5,090 |
| Noninterest income to average assets | 0.7077% | 2,142 |
| Noninterest expense to average assets | 1.8282% | 5,449 |
| Loan and lease loss provision to assets | 0.1008% | 2,361 |
| Net operating income to assets | 1.1243% | 1,803 |
| Return on assets (ROA) | 1.1556% | 1,768 |
| Pretax return on assets | 1.5739% | 1,360 |
| Return on Equity (ROE) | 12.8747% | 1,021 |
| Retained earnings to average equity (ytd only) | 4.9438% | 2,383 |
| Net charge-offs to loans | 0.1341% | 1,902 |
| Credit loss provision to net charge-offs | 116.1103% | 2,268 |
| Earnings coverage of net charge-offs (x) | 18.7997% | 1,946 |
| Efficiency ratio | 52.7582% | 5,328 |
| Assets per employee ($millions) | 7.2980% | 804 |
| Cash dividends to net income (ytd only)* | 61.6005% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 4,601 |
| Loan loss allowance to noncurrent loans | 116.6226% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 3,118 |
| Noncurrent loans to loans | 0.8107% | 2,493 |
| Net loans and leases to total assets | 63.2793% | 3,439 |
| Net loans and leases to deposits | 85.4129% | 2,248 |
| Net loans and leases to core deposits | 118.2484% | 534 |
| Total domestic deposits to total assets | 74.0864% | 5,438 |
| Equity capital to assets | 8.5557% | 5,227 |
| Core capital (leverage) ratio | 8.6342% | 5,134 |
| Tier 1 risk-based capital ratio | 14.5004% | 3,196 |
| Total risk-based capital ratio | 15.5515% | 3,214 |
| Memoranda: | ||
| Average total assets | $1,587,439,200 | 480 |
| Average earning assets | $1,495,277,600 | 464 |
| Average equity | $142,481,400 | 554 |
| Average total loans | $1,027,289,400 | 498 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6858% | 4,299 |
| Cost of funding earning assets | 0.7198% | 741 |
| Net interest margin | 2.9659% | 5,071 |
| Noninterest income to average assets | 0.7139% | 2,114 |
| Noninterest expense to average assets | 1.8415% | 5,467 |
| Loan and lease loss provision to assets | 0.0959% | 2,308 |
| Net operating income to assets | 1.1465% | 1,821 |
| Return on assets (ROA) | 1.1884% | 1,774 |
| Pretax return on assets | 1.6252% | 1,320 |
| Return on Equity (ROE) | 13.0762% | 1,032 |
| Retained earnings to average equity (ytd only) | 6.0440% | 2,166 |
| Net charge-offs to loans | 0.0975% | 1,970 |
| Credit loss provision to net charge-offs | 151.4132% | 1,757 |
| Earnings coverage of net charge-offs (x) | 26.2760% | 1,605 |
| Efficiency ratio | 52.4603% | 5,352 |
| Assets per employee ($millions) | 7.1766% | 827 |
| Cash dividends to net income (ytd only)* | 53.7789% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 4,413 |
| Loan loss allowance to noncurrent loans | 144.3105% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 3,447 |
| Noncurrent loans to loans | 0.6927% | 2,953 |
| Net loans and leases to total assets | 63.7302% | 3,438 |
| Net loans and leases to deposits | 86.7289% | 2,181 |
| Net loans and leases to core deposits | 110.0181% | 911 |
| Total domestic deposits to total assets | 73.4821% | 5,478 |
| Equity capital to assets | 9.0924% | 5,080 |
| Core capital (leverage) ratio | 8.8847% | 4,959 |
| Tier 1 risk-based capital ratio | 15.0668% | 3,021 |
| Total risk-based capital ratio | 16.1807% | 3,010 |
| Memoranda: | ||
| Average total assets | $1,564,663,500 | 486 |
| Average earning assets | $1,472,502,250 | 471 |
| Average equity | $142,199,000 | 561 |
| Average total loans | $1,016,034,750 | 505 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,213 |
| Cost of funding earning assets | 0.7106% | 760 |
| Net interest margin | 3.0135% | 5,048 |
| Noninterest income to average assets | 0.6641% | 2,311 |
| Noninterest expense to average assets | 1.8352% | 5,548 |
| Loan and lease loss provision to assets | 0.0966% | 2,223 |
| Net operating income to assets | 1.1479% | 1,780 |
| Return on assets (ROA) | 1.1984% | 1,700 |
| Pretax return on assets | 1.6397% | 1,256 |
| Return on Equity (ROE) | 13.1883% | 983 |
| Retained earnings to average equity (ytd only) | 6.1009% | 2,069 |
| Net charge-offs to loans | 0.0926% | 1,914 |
| Credit loss provision to net charge-offs | 160.2564% | 1,527 |
| Earnings coverage of net charge-offs (x) | 27.6560% | 1,451 |
| Efficiency ratio | 52.3188% | 5,427 |
| Assets per employee ($millions) | 6.9932% | 876 |
| Cash dividends to net income (ytd only)* | 53.7403% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 4,611 |
| Loan loss allowance to noncurrent loans | 149.9706% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 3,540 |
| Noncurrent loans to loans | 0.6540% | 3,114 |
| Net loans and leases to total assets | 64.8565% | 3,244 |
| Net loans and leases to deposits | 89.7007% | 1,786 |
| Net loans and leases to core deposits | 121.0458% | 489 |
| Total domestic deposits to total assets | 72.3032% | 5,653 |
| Equity capital to assets | 9.1015% | 5,156 |
| Core capital (leverage) ratio | 8.8469% | 5,002 |
| Tier 1 risk-based capital ratio | 14.9656% | 3,092 |
| Total risk-based capital ratio | 16.0784% | 3,095 |
| Memoranda: | ||
| Average total assets | $1,552,760,000 | 492 |
| Average earning assets | $1,462,405,330 | 473 |
| Average equity | $141,094,330 | 565 |
| Average total loans | $1,011,306,330 | 506 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,275 |
| Cost of funding earning assets | 0.7040% | 798 |
| Net interest margin | 3.0090% | 5,102 |
| Noninterest income to average assets | 0.5916% | 2,582 |
| Noninterest expense to average assets | 1.8465% | 5,598 |
| Loan and lease loss provision to assets | 0.0977% | 2,063 |
| Net operating income to assets | 1.0899% | 1,944 |
| Return on assets (ROA) | 1.1919% | 1,682 |
| Pretax return on assets | 1.6233% | 1,242 |
| Return on Equity (ROE) | 13.1277% | 1,009 |
| Retained earnings to average equity (ytd only) | 5.9541% | 2,394 |
| Net charge-offs to loans | 0.0289% | 2,365 |
| Credit loss provision to net charge-offs | 520.8333% | 587 |
| Earnings coverage of net charge-offs (x) | 84.3056% | 607 |
| Efficiency ratio | 53.7848% | 5,401 |
| Assets per employee ($millions) | 7.1621% | 829 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 4,509 |
| Loan loss allowance to noncurrent loans | 143.1433% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 3,361 |
| Noncurrent loans to loans | 0.7102% | 3,070 |
| Net loans and leases to total assets | 64.6129% | 3,162 |
| Net loans and leases to deposits | 89.5590% | 1,632 |
| Net loans and leases to core deposits | 118.4269% | 512 |
| Total domestic deposits to total assets | 72.1457% | 5,761 |
| Equity capital to assets | 9.1805% | 5,008 |
| Core capital (leverage) ratio | 8.8485% | 5,030 |
| Tier 1 risk-based capital ratio | 15.1464% | 3,087 |
| Total risk-based capital ratio | 16.2934% | 3,075 |
| Memoranda: | ||
| Average total assets | $1,535,412,000 | 498 |
| Average earning assets | $1,447,256,500 | 479 |
| Average equity | $139,400,000 | 569 |
| Average total loans | $997,076,500 | 511 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 4,461 |
| Cost of funding earning assets | 0.7044% | 801 |
| Net interest margin | 2.9639% | 5,219 |
| Noninterest income to average assets | 0.6870% | 2,265 |
| Noninterest expense to average assets | 1.9780% | 5,503 |
| Loan and lease loss provision to assets | 0.1043% | 2,244 |
| Net operating income to assets | 1.0418% | 2,163 |
| Return on assets (ROA) | 1.1115% | 1,937 |
| Pretax return on assets | 1.4941% | 1,572 |
| Return on Equity (ROE) | 12.2233% | 1,249 |
| Retained earnings to average equity (ytd only) | 4.8224% | 2,549 |
| Net charge-offs to loans | 0.2072% | 1,423 |
| Credit loss provision to net charge-offs | 78.3620% | 2,979 |
| Earnings coverage of net charge-offs (x) | 11.3008% | 2,598 |
| Efficiency ratio | 56.6895% | 5,281 |
| Assets per employee ($millions) | 7.0228% | 884 |
| Cash dividends to net income (ytd only)* | 60.5473% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 4,596 |
| Loan loss allowance to noncurrent loans | 132.0549% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 3,315 |
| Noncurrent loans to loans | 0.7593% | 2,903 |
| Net loans and leases to total assets | 63.9511% | 3,296 |
| Net loans and leases to deposits | 93.7251% | 1,224 |
| Net loans and leases to core deposits | 112.5611% | 745 |
| Total domestic deposits to total assets | 68.2327% | 5,966 |
| Equity capital to assets | 8.9769% | 5,148 |
| Core capital (leverage) ratio | 8.8192% | 5,091 |
| Tier 1 risk-based capital ratio | 14.4506% | 3,468 |
| Total risk-based capital ratio | 15.5289% | 3,480 |
| Memoranda: | ||
| Average total assets | $1,485,945,000 | 482 |
| Average earning assets | $1,401,420,800 | 465 |
| Average equity | $135,118,600 | 560 |
| Average total loans | $954,436,000 | 504 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 4,547 |
| Cost of funding earning assets | 0.7170% | 771 |
| Net interest margin | 2.9448% | 5,322 |
| Noninterest income to average assets | 0.6896% | 2,281 |
| Noninterest expense to average assets | 1.9506% | 5,566 |
| Loan and lease loss provision to assets | 0.0995% | 2,188 |
| Net operating income to assets | 1.0525% | 2,205 |
| Return on assets (ROA) | 1.1459% | 1,909 |
| Pretax return on assets | 1.5436% | 1,561 |
| Return on Equity (ROE) | 12.5600% | 1,227 |
| Retained earnings to average equity (ytd only) | 5.1275% | 2,822 |
| Net charge-offs to loans | 0.2491% | 1,052 |
| Credit loss provision to net charge-offs | 62.2524% | 2,884 |
| Earnings coverage of net charge-offs (x) | 9.4946% | 2,690 |
| Efficiency ratio | 56.1315% | 5,337 |
| Assets per employee ($millions) | 7.0362% | 856 |
| Cash dividends to net income (ytd only)* | 59.1763% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 4,721 |
| Loan loss allowance to noncurrent loans | 119.6020% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 3,263 |
| Noncurrent loans to loans | 0.8399% | 2,869 |
| Net loans and leases to total assets | 63.3352% | 3,405 |
| Net loans and leases to deposits | 90.0047% | 1,651 |
| Net loans and leases to core deposits | 109.0070% | 931 |
| Total domestic deposits to total assets | 70.3688% | 5,956 |
| Equity capital to assets | 9.1220% | 5,195 |
| Core capital (leverage) ratio | 8.8623% | 5,165 |
| Tier 1 risk-based capital ratio | 14.5294% | 3,550 |
| Total risk-based capital ratio | 15.5984% | 3,572 |
| Memoranda: | ||
| Average total assets | $1,474,689,500 | 488 |
| Average earning assets | $1,391,094,250 | 470 |
| Average equity | $134,540,000 | 565 |
| Average total loans | $945,798,250 | 508 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6448% | 4,593 |
| Cost of funding earning assets | 0.7456% | 663 |
| Net interest margin | 2.8992% | 5,444 |
| Noninterest income to average assets | 0.6624% | 2,403 |
| Noninterest expense to average assets | 1.9158% | 5,685 |
| Loan and lease loss provision to assets | 0.1229% | 1,796 |
| Net operating income to assets | 1.0082% | 2,348 |
| Return on assets (ROA) | 1.1492% | 1,851 |
| Pretax return on assets | 1.5546% | 1,468 |
| Return on Equity (ROE) | 12.5957% | 1,199 |
| Retained earnings to average equity (ytd only) | 5.1107% | 2,788 |
| Net charge-offs to loans | 0.2843% | 926 |
| Credit loss provision to net charge-offs | 67.3653% | 2,499 |
| Earnings coverage of net charge-offs (x) | 8.1490% | 2,592 |
| Efficiency ratio | 56.1572% | 5,414 |
| Assets per employee ($millions) | 7.0049% | 828 |
| Cash dividends to net income (ytd only)* | 59.4248% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 4,717 |
| Loan loss allowance to noncurrent loans | 108.0833% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 3,146 |
| Noncurrent loans to loans | 0.9518% | 2,742 |
| Net loans and leases to total assets | 62.7078% | 3,445 |
| Net loans and leases to deposits | 86.8689% | 1,960 |
| Net loans and leases to core deposits | 115.5916% | 605 |
| Total domestic deposits to total assets | 72.1867% | 5,926 |
| Equity capital to assets | 8.8318% | 5,399 |
| Core capital (leverage) ratio | 8.8990% | 5,099 |
| Tier 1 risk-based capital ratio | 14.5200% | 3,626 |
| Total risk-based capital ratio | 15.6282% | 3,633 |
| Memoranda: | ||
| Average total assets | $1,464,334,000 | 490 |
| Average earning assets | $1,384,090,670 | 473 |
| Average equity | $133,601,670 | 568 |
| Average total loans | $939,947,330 | 501 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 4,460 |
| Cost of funding earning assets | 0.7846% | 553 |
| Net interest margin | 2.8886% | 5,480 |
| Noninterest income to average assets | 0.6140% | 2,581 |
| Noninterest expense to average assets | 2.0024% | 5,576 |
| Loan and lease loss provision to assets | 0.1392% | 1,479 |
| Net operating income to assets | 0.8954% | 2,760 |
| Return on assets (ROA) | 1.1829% | 1,695 |
| Pretax return on assets | 1.5900% | 1,291 |
| Return on Equity (ROE) | 12.7493% | 1,148 |
| Retained earnings to average equity (ytd only) | 5.2462% | 2,923 |
| Net charge-offs to loans | 0.2792% | 861 |
| Credit loss provision to net charge-offs | 77.1605% | 1,855 |
| Earnings coverage of net charge-offs (x) | 7.4306% | 2,168 |
| Efficiency ratio | 59.6868% | 5,134 |
| Assets per employee ($millions) | 6.5658% | 1,040 |
| Cash dividends to net income (ytd only)* | 58.8512% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 4,588 |
| Loan loss allowance to noncurrent loans | 96.9939% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 2,743 |
| Noncurrent loans to loans | 1.1193% | 2,538 |
| Net loans and leases to total assets | 65.2012% | 2,899 |
| Net loans and leases to deposits | 96.0206% | 829 |
| Net loans and leases to core deposits | 112.6379% | 624 |
| Total domestic deposits to total assets | 67.9033% | 6,203 |
| Equity capital to assets | 9.4160% | 4,843 |
| Core capital (leverage) ratio | 9.0747% | 4,872 |
| Tier 1 risk-based capital ratio | 15.0005% | 3,438 |
| Total risk-based capital ratio | 16.1936% | 3,393 |
| Memoranda: | ||
| Average total assets | $1,436,467,000 | 497 |
| Average earning assets | $1,357,200,500 | 479 |
| Average equity | $133,278,000 | 571 |
| Average total loans | $928,366,500 | 507 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 4,544 |
| Cost of funding earning assets | 0.8394% | 542 |
| Net interest margin | 2.9427% | 5,563 |
| Noninterest income to average assets | 0.6489% | 2,555 |
| Noninterest expense to average assets | 2.0429% | 5,686 |
| Loan and lease loss provision to assets | 0.0794% | 2,895 |
| Net operating income to assets | 0.9826% | 2,469 |
| Return on assets (ROA) | 1.0412% | 2,284 |
| Pretax return on assets | 1.3704% | 2,001 |
| Return on Equity (ROE) | 11.9097% | 1,440 |
| Retained earnings to average equity (ytd only) | 4.9165% | 2,664 |
| Net charge-offs to loans | 0.2599% | 1,660 |
| Credit loss provision to net charge-offs | 49.5690% | 3,488 |
| Earnings coverage of net charge-offs (x) | 8.5655% | 2,861 |
| Efficiency ratio | 59.1497% | 5,328 |
| Assets per employee ($millions) | 6.6429% | 979 |
| Cash dividends to net income (ytd only)* | 58.7182% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 4,400 |
| Loan loss allowance to noncurrent loans | 97.1176% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.9969% | 2,758 |
| Noncurrent loans to loans | 1.1608% | 2,513 |
| Net loans and leases to total assets | 62.6467% | 3,419 |
| Net loans and leases to deposits | 88.4798% | 1,674 |
| Net loans and leases to core deposits | 106.2737% | 1,001 |
| Total domestic deposits to total assets | 70.8033% | 6,155 |
| Equity capital to assets | 9.1426% | 5,135 |
| Core capital (leverage) ratio | 8.7714% | 5,267 |
| Tier 1 risk-based capital ratio | 14.8706% | 3,556 |
| Total risk-based capital ratio | 16.0899% | 3,510 |
| Memoranda: | ||
| Average total assets | $1,447,559,600 | 483 |
| Average earning assets | $1,361,034,200 | 467 |
| Average equity | $126,552,800 | 574 |
| Average total loans | $892,723,600 | 501 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 4,593 |
| Cost of funding earning assets | 0.8517% | 537 |
| Net interest margin | 2.9336% | 5,628 |
| Noninterest income to average assets | 0.6420% | 2,614 |
| Noninterest expense to average assets | 2.0182% | 5,737 |
| Loan and lease loss provision to assets | 0.0783% | 2,779 |
| Net operating income to assets | 0.9865% | 2,513 |
| Return on assets (ROA) | 1.0645% | 2,242 |
| Pretax return on assets | 1.4024% | 1,998 |
| Return on Equity (ROE) | 12.3171% | 1,393 |
| Retained earnings to average equity (ytd only) | 5.5489% | 2,710 |
| Net charge-offs to loans | 0.1087% | 2,716 |
| Credit loss provision to net charge-offs | 117.5657% | 1,945 |
| Earnings coverage of net charge-offs (x) | 20.6915% | 1,714 |
| Efficiency ratio | 58.7594% | 5,341 |
| Assets per employee ($millions) | 6.7375% | 896 |
| Cash dividends to net income (ytd only)* | 54.9499% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 3,749 |
| Loan loss allowance to noncurrent loans | 94.8119% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1568% | 2,635 |
| Noncurrent loans to loans | 1.3515% | 2,384 |
| Net loans and leases to total assets | 61.6266% | 3,544 |
| Net loans and leases to deposits | 84.9505% | 2,038 |
| Net loans and leases to core deposits | 99.5999% | 1,406 |
| Total domestic deposits to total assets | 72.5441% | 6,134 |
| Equity capital to assets | 8.9628% | 5,389 |
| Core capital (leverage) ratio | 8.6397% | 5,510 |
| Tier 1 risk-based capital ratio | 14.8518% | 3,681 |
| Total risk-based capital ratio | 16.1001% | 3,613 |
| Memoranda: | ||
| Average total assets | $1,447,411,000 | 478 |
| Average earning assets | $1,358,939,250 | 462 |
| Average equity | $125,091,250 | 580 |
| Average total loans | $886,513,500 | 498 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7723% | 4,615 |
| Cost of funding earning assets | 0.8580% | 535 |
| Net interest margin | 2.9143% | 5,714 |
| Noninterest income to average assets | 0.6333% | 2,642 |
| Noninterest expense to average assets | 1.9772% | 5,866 |
| Loan and lease loss provision to assets | 0.0692% | 2,884 |
| Net operating income to assets | 1.0160% | 2,266 |
| Return on assets (ROA) | 1.0170% | 2,325 |
| Pretax return on assets | 1.3235% | 2,175 |
| Return on Equity (ROE) | 11.9163% | 1,450 |
| Retained earnings to average equity (ytd only) | 5.2664% | 2,785 |
| Net charge-offs to loans | 0.0842% | 2,844 |
| Credit loss provision to net charge-offs | 135.1351% | 1,567 |
| Earnings coverage of net charge-offs (x) | 27.1649% | 1,353 |
| Efficiency ratio | 58.0258% | 5,553 |
| Assets per employee ($millions) | 6.7456% | 900 |
| Cash dividends to net income (ytd only)* | 55.8051% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 3,832 |
| Loan loss allowance to noncurrent loans | 90.8906% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.2019% | 2,684 |
| Noncurrent loans to loans | 1.4360% | 2,406 |
| Net loans and leases to total assets | 59.8758% | 3,742 |
| Net loans and leases to deposits | 85.1633% | 1,907 |
| Net loans and leases to core deposits | 104.2387% | 1,002 |
| Total domestic deposits to total assets | 70.3071% | 6,344 |
| Equity capital to assets | 8.7583% | 5,558 |
| Core capital (leverage) ratio | 8.5638% | 5,572 |
| Tier 1 risk-based capital ratio | 14.7404% | 3,781 |
| Total risk-based capital ratio | 15.9920% | 3,733 |
| Memoranda: | ||
| Average total assets | $1,444,778,330 | 478 |
| Average earning assets | $1,356,003,670 | 458 |
| Average equity | $123,309,670 | 587 |
| Average total loans | $879,185,330 | 499 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 4,541 |
| Cost of funding earning assets | 0.8668% | 538 |
| Net interest margin | 2.9199% | 5,709 |
| Noninterest income to average assets | 0.6232% | 2,606 |
| Noninterest expense to average assets | 1.9965% | 5,893 |
| Loan and lease loss provision to assets | 0.1117% | 2,081 |
| Net operating income to assets | 0.9758% | 2,298 |
| Return on assets (ROA) | 0.9769% | 2,356 |
| Pretax return on assets | 1.2565% | 2,259 |
| Return on Equity (ROE) | 11.6018% | 1,518 |
| Retained earnings to average equity (ytd only) | 4.9665% | 3,127 |
| Net charge-offs to loans | 0.1187% | 2,012 |
| Credit loss provision to net charge-offs | 154.4402% | 1,235 |
| Earnings coverage of net charge-offs (x) | 18.8919% | 1,401 |
| Efficiency ratio | 58.6794% | 5,583 |
| Assets per employee ($millions) | 6.5434% | 1,001 |
| Cash dividends to net income (ytd only)* | 57.1919% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 3,897 |
| Loan loss allowance to noncurrent loans | 80.9656% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.3489% | 2,617 |
| Noncurrent loans to loans | 1.6566% | 2,339 |
| Net loans and leases to total assets | 59.8268% | 3,589 |
| Net loans and leases to deposits | 81.9214% | 2,051 |
| Net loans and leases to core deposits | 103.6393% | 879 |
| Total domestic deposits to total assets | 73.0295% | 6,303 |
| Equity capital to assets | 8.6354% | 5,509 |
| Core capital (leverage) ratio | 8.5103% | 5,626 |
| Tier 1 risk-based capital ratio | 14.9102% | 3,759 |
| Total risk-based capital ratio | 16.1623% | 3,713 |
| Memoranda: | ||
| Average total assets | $1,431,902,500 | 480 |
| Average earning assets | $1,343,754,500 | 462 |
| Average equity | $120,568,000 | 602 |
| Average total loans | $872,710,000 | 498 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 4,675 |
| Cost of funding earning assets | 0.9488% | 580 |
| Net interest margin | 2.8856% | 5,815 |
| Noninterest income to average assets | 0.7426% | 2,323 |
| Noninterest expense to average assets | 2.0311% | 5,969 |
| Loan and lease loss provision to assets | 0.2984% | 1,133 |
| Net operating income to assets | 0.8768% | 2,898 |
| Return on assets (ROA) | 0.9378% | 2,693 |
| Pretax return on assets | 1.1903% | 2,617 |
| Return on Equity (ROE) | 10.9837% | 1,774 |
| Retained earnings to average equity (ytd only) | 5.0791% | 2,539 |
| Net charge-offs to loans | 0.5973% | 1,101 |
| Credit loss provision to net charge-offs | 80.9873% | 3,024 |
| Earnings coverage of net charge-offs (x) | 3.8309% | 3,743 |
| Efficiency ratio | 58.3271% | 5,696 |
| Assets per employee ($millions) | 6.4162% | 1,028 |
| Cash dividends to net income (ytd only)* | 53.7576% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,073 |
| Loan loss allowance to noncurrent loans | 66.3172% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.5494% | 2,405 |
| Noncurrent loans to loans | 1.9809% | 2,009 |
| Net loans and leases to total assets | 60.4508% | 3,634 |
| Net loans and leases to deposits | 84.3419% | 1,885 |
| Net loans and leases to core deposits | 105.3339% | 832 |
| Total domestic deposits to total assets | 71.6735% | 6,445 |
| Equity capital to assets | 8.2045% | 5,868 |
| Core capital (leverage) ratio | 8.4484% | 5,727 |
| Tier 1 risk-based capital ratio | 14.6456% | 3,873 |
| Total risk-based capital ratio | 15.8974% | 3,813 |
| Memoranda: | ||
| Average total assets | $1,407,548,800 | 480 |
| Average earning assets | $1,317,021,000 | 468 |
| Average equity | $120,178,000 | 591 |
| Average total loans | $868,247,200 | 480 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 4,753 |
| Cost of funding earning assets | 0.9549% | 627 |
| Net interest margin | 2.8694% | 5,880 |
| Noninterest income to average assets | 0.7558% | 2,338 |
| Noninterest expense to average assets | 2.0480% | 5,931 |
| Loan and lease loss provision to assets | 0.3329% | 990 |
| Net operating income to assets | 0.8350% | 3,165 |
| Return on assets (ROA) | 0.9167% | 2,852 |
| Pretax return on assets | 1.1622% | 2,841 |
| Return on Equity (ROE) | 10.6300% | 1,948 |
| Retained earnings to average equity (ytd only) | 4.4574% | 3,496 |
| Net charge-offs to loans | 0.5454% | 1,168 |
| Credit loss provision to net charge-offs | 98.7863% | 2,415 |
| Earnings coverage of net charge-offs (x) | 4.1296% | 3,531 |
| Efficiency ratio | 58.8629% | 5,575 |
| Assets per employee ($millions) | 6.4789% | 941 |
| Cash dividends to net income (ytd only)* | 58.0679% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 3,722 |
| Loan loss allowance to noncurrent loans | 68.1940% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 1.5384% | 2,627 |
| Noncurrent loans to loans | 2.1151% | 2,112 |
| Net loans and leases to total assets | 59.4465% | 3,787 |
| Net loans and leases to deposits | 81.9324% | 2,149 |
| Net loans and leases to core deposits | 98.1482% | 1,232 |
| Total domestic deposits to total assets | 72.5555% | 6,460 |
| Equity capital to assets | 8.2020% | 6,000 |
| Core capital (leverage) ratio | 8.3416% | 5,927 |
| Tier 1 risk-based capital ratio | 14.6167% | 4,003 |
| Total risk-based capital ratio | 15.8699% | 3,948 |
| Memoranda: | ||
| Average total assets | $1,401,733,500 | 486 |
| Average earning assets | $1,311,070,250 | 475 |
| Average equity | $120,874,750 | 592 |
| Average total loans | $866,196,500 | 484 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8107% | 4,792 |
| Cost of funding earning assets | 0.9589% | 680 |
| Net interest margin | 2.8518% | 5,891 |
| Noninterest income to average assets | 0.7864% | 2,256 |
| Noninterest expense to average assets | 2.0976% | 5,871 |
| Loan and lease loss provision to assets | 0.3880% | 819 |
| Net operating income to assets | 0.7689% | 3,474 |
| Return on assets (ROA) | 0.8939% | 2,979 |
| Pretax return on assets | 1.1235% | 2,999 |
| Return on Equity (ROE) | 10.1950% | 2,127 |
| Retained earnings to average equity (ytd only) | 3.8092% | 3,877 |
| Net charge-offs to loans | 0.5836% | 1,134 |
| Credit loss provision to net charge-offs | 106.7194% | 2,077 |
| Earnings coverage of net charge-offs (x) | 3.7277% | 3,320 |
| Efficiency ratio | 60.0699% | 5,478 |
| Assets per employee ($millions) | 6.3593% | 981 |
| Cash dividends to net income (ytd only)* | 62.6367% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 3,762 |
| Loan loss allowance to noncurrent loans | 61.7988% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.8649% | 2,320 |
| Noncurrent loans to loans | 2.3644% | 1,998 |
| Net loans and leases to total assets | 60.5234% | 3,573 |
| Net loans and leases to deposits | 83.0069% | 1,926 |
| Net loans and leases to core deposits | 101.2503% | 988 |
| Total domestic deposits to total assets | 72.9137% | 6,508 |
| Equity capital to assets | 8.2524% | 6,017 |
| Core capital (leverage) ratio | 8.4368% | 5,737 |
| Tier 1 risk-based capital ratio | 14.4661% | 4,126 |
| Total risk-based capital ratio | 15.7202% | 4,080 |
| Memoranda: | ||
| Average total assets | $1,391,702,000 | 485 |
| Average earning assets | $1,301,280,330 | 471 |
| Average equity | $122,020,000 | 587 |
| Average total loans | $867,052,670 | 475 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 4,697 |
| Cost of funding earning assets | 0.9594% | 749 |
| Net interest margin | 2.8761% | 5,865 |
| Noninterest income to average assets | 0.8118% | 2,081 |
| Noninterest expense to average assets | 2.0998% | 5,915 |
| Loan and lease loss provision to assets | 0.4343% | 679 |
| Net operating income to assets | 0.7732% | 3,318 |
| Return on assets (ROA) | 0.8425% | 3,079 |
| Pretax return on assets | 1.0555% | 3,125 |
| Return on Equity (ROE) | 9.3286% | 2,337 |
| Retained earnings to average equity (ytd only) | 2.7377% | 4,644 |
| Net charge-offs to loans | 0.5905% | 1,034 |
| Credit loss provision to net charge-offs | 117.1875% | 1,625 |
| Earnings coverage of net charge-offs (x) | 3.7867% | 2,676 |
| Efficiency ratio | 59.2645% | 5,689 |
| Assets per employee ($millions) | 6.4005% | 1,025 |
| Cash dividends to net income (ytd only)* | 70.6529% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 3,924 |
| Loan loss allowance to noncurrent loans | 59.6819% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 2.0759% | 2,260 |
| Noncurrent loans to loans | 2.4676% | 2,090 |
| Net loans and leases to total assets | 61.5552% | 3,154 |
| Net loans and leases to deposits | 86.1608% | 1,335 |
| Net loans and leases to core deposits | 102.5771% | 799 |
| Total domestic deposits to total assets | 71.4422% | 6,684 |
| Equity capital to assets | 8.9675% | 5,524 |
| Core capital (leverage) ratio | 8.3197% | 5,801 |
| Tier 1 risk-based capital ratio | 14.5249% | 4,154 |
| Total risk-based capital ratio | 15.7793% | 4,120 |
| Memoranda: | ||
| Average total assets | $1,381,671,000 | 492 |
| Average earning assets | $1,292,863,500 | 474 |
| Average equity | $124,778,000 | 588 |
| Average total loans | $867,020,000 | 476 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 5,197 |
| Cost of funding earning assets | 0.9979% | 1,374 |
| Net interest margin | 3.0401% | 5,952 |
| Noninterest income to average assets | 0.6376% | 3,067 |
| Noninterest expense to average assets | 1.8915% | 6,504 |
| Loan and lease loss provision to assets | 0.5689% | 993 |
| Net operating income to assets | 0.8185% | 3,196 |
| Return on assets (ROA) | 0.9314% | 2,886 |
| Pretax return on assets | 1.1818% | 2,860 |
| Return on Equity (ROE) | 10.3357% | 2,035 |
| Retained earnings to average equity (ytd only) | 2.5251% | 4,450 |
| Net charge-offs to loans | 0.9562% | 1,156 |
| Credit loss provision to net charge-offs | 94.0012% | 3,315 |
| Earnings coverage of net charge-offs (x) | 2.6567% | 4,100 |
| Efficiency ratio | 53.4671% | 6,324 |
| Assets per employee ($millions) | 6.2200% | 1,155 |
| Cash dividends to net income (ytd only)* | 75.5691% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 3,988 |
| Loan loss allowance to noncurrent loans | 61.8781% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 2,438 |
| Noncurrent loans to loans | 2.3211% | 2,320 |
| Net loans and leases to total assets | 62.1229% | 3,229 |
| Net loans and leases to deposits | 89.2135% | 1,143 |
| Net loans and leases to core deposits | 106.7975% | 657 |
| Total domestic deposits to total assets | 69.6340% | 6,799 |
| Equity capital to assets | 9.0945% | 5,407 |
| Core capital (leverage) ratio | 8.2263% | 5,967 |
| Tier 1 risk-based capital ratio | 14.4080% | 4,089 |
| Total risk-based capital ratio | 15.6605% | 4,046 |
| Memoranda: | ||
| Average total assets | $1,377,307,800 | 485 |
| Average earning assets | $1,296,480,400 | 467 |
| Average equity | $124,114,000 | 580 |
| Average total loans | $871,689,200 | 469 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 5,329 |
| Cost of funding earning assets | 1.0006% | 1,555 |
| Net interest margin | 3.0595% | 6,045 |
| Noninterest income to average assets | 0.5982% | 3,286 |
| Noninterest expense to average assets | 1.8705% | 6,577 |
| Loan and lease loss provision to assets | 0.6103% | 892 |
| Net operating income to assets | 0.7793% | 3,551 |
| Return on assets (ROA) | 0.9279% | 3,064 |
| Pretax return on assets | 1.1918% | 3,014 |
| Return on Equity (ROE) | 10.3208% | 2,206 |
| Retained earnings to average equity (ytd only) | 2.0913% | 5,279 |
| Net charge-offs to loans | 0.6974% | 1,581 |
| Credit loss provision to net charge-offs | 138.1276% | 2,084 |
| Earnings coverage of net charge-offs (x) | 3.6474% | 3,566 |
| Efficiency ratio | 53.1297% | 6,340 |
| Assets per employee ($millions) | 6.5807% | 912 |
| Cash dividends to net income (ytd only)* | 79.7370% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 3,171 |
| Loan loss allowance to noncurrent loans | 58.1191% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 2.2204% | 2,410 |
| Noncurrent loans to loans | 2.9154% | 1,914 |
| Net loans and leases to total assets | 61.5854% | 3,467 |
| Net loans and leases to deposits | 90.4285% | 1,103 |
| Net loans and leases to core deposits | 109.2097% | 597 |
| Total domestic deposits to total assets | 68.1040% | 6,916 |
| Equity capital to assets | 9.0759% | 5,747 |
| Core capital (leverage) ratio | 8.3262% | 5,970 |
| Tier 1 risk-based capital ratio | 14.4999% | 4,182 |
| Total risk-based capital ratio | 15.7572% | 4,147 |
| Memoranda: | ||
| Average total assets | $1,376,424,500 | 485 |
| Average earning assets | $1,297,396,750 | 468 |
| Average equity | $123,747,500 | 583 |
| Average total loans | $872,031,750 | 472 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 5,328 |
| Cost of funding earning assets | 1.0072% | 1,728 |
| Net interest margin | 3.0888% | 6,039 |
| Noninterest income to average assets | 0.5532% | 3,564 |
| Noninterest expense to average assets | 1.8582% | 6,670 |
| Loan and lease loss provision to assets | 0.7141% | 754 |
| Net operating income to assets | 0.6977% | 3,878 |
| Return on assets (ROA) | 0.9213% | 3,070 |
| Pretax return on assets | 1.1793% | 3,019 |
| Return on Equity (ROE) | 10.2805% | 2,249 |
| Retained earnings to average equity (ytd only) | 3.6442% | 4,172 |
| Net charge-offs to loans | 0.8057% | 1,363 |
| Credit loss provision to net charge-offs | 139.3629% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.1357% | 3,490 |
| Efficiency ratio | 53.0325% | 6,413 |
| Assets per employee ($millions) | 6.6800% | 868 |
| Cash dividends to net income (ytd only)* | 64.5524% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 3,497 |
| Loan loss allowance to noncurrent loans | 65.0242% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.9655% | 2,823 |
| Noncurrent loans to loans | 2.5075% | 2,406 |
| Net loans and leases to total assets | 62.4578% | 3,343 |
| Net loans and leases to deposits | 86.2360% | 1,569 |
| Net loans and leases to core deposits | 114.3977% | 436 |
| Total domestic deposits to total assets | 72.4266% | 6,780 |
| Equity capital to assets | 8.9516% | 5,756 |
| Core capital (leverage) ratio | 8.2001% | 6,052 |
| Tier 1 risk-based capital ratio | 14.3902% | 4,181 |
| Total risk-based capital ratio | 15.6470% | 4,140 |
| Memoranda: | ||
| Average total assets | $1,372,389,330 | 486 |
| Average earning assets | $1,293,707,000 | 468 |
| Average equity | $122,989,670 | 584 |
| Average total loans | $872,752,000 | 470 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 5,409 |
| Cost of funding earning assets | 1.0265% | 1,837 |
| Net interest margin | 3.0856% | 6,094 |
| Noninterest income to average assets | 0.4361% | 4,405 |
| Noninterest expense to average assets | 1.7837% | 6,811 |
| Loan and lease loss provision to assets | 0.6159% | 918 |
| Net operating income to assets | 0.7452% | 3,649 |
| Return on assets (ROA) | 0.8664% | 3,296 |
| Pretax return on assets | 1.0992% | 3,327 |
| Return on Equity (ROE) | 9.6618% | 2,530 |
| Retained earnings to average equity (ytd only) | 3.0385% | 4,733 |
| Net charge-offs to loans | 0.9889% | 1,054 |
| Credit loss provision to net charge-offs | 97.8565% | 2,408 |
| Earnings coverage of net charge-offs (x) | 2.4814% | 3,177 |
| Efficiency ratio | 52.6957% | 6,471 |
| Assets per employee ($millions) | 6.8420% | 818 |
| Cash dividends to net income (ytd only)* | 68.5511% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 4,227 |
| Loan loss allowance to noncurrent loans | 49.0812% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.2036% | 2,688 |
| Noncurrent loans to loans | 3.0299% | 2,135 |
| Net loans and leases to total assets | 61.7829% | 3,300 |
| Net loans and leases to deposits | 84.3927% | 1,613 |
| Net loans and leases to core deposits | 111.2846% | 488 |
| Total domestic deposits to total assets | 73.2088% | 6,813 |
| Equity capital to assets | 8.8258% | 5,720 |
| Core capital (leverage) ratio | 8.3502% | 5,808 |
| Tier 1 risk-based capital ratio | 14.1308% | 4,374 |
| Total risk-based capital ratio | 15.3853% | 4,333 |
| Memoranda: | ||
| Average total assets | $1,363,868,500 | 485 |
| Average earning assets | $1,285,981,500 | 469 |
| Average equity | $122,296,500 | 586 |
| Average total loans | $868,032,000 | 473 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 5,618 |
| Cost of funding earning assets | 1.1381% | 2,422 |
| Net interest margin | 3.2065% | 6,073 |
| Noninterest income to average assets | 0.5823% | 3,280 |
| Noninterest expense to average assets | 1.8837% | 6,850 |
| Loan and lease loss provision to assets | 0.7672% | 1,299 |
| Net operating income to assets | 0.7228% | 3,375 |
| Return on assets (ROA) | 0.8986% | 2,745 |
| Pretax return on assets | 1.1733% | 2,562 |
| Return on Equity (ROE) | 10.0364% | 2,049 |
| Retained earnings to average equity (ytd only) | 2.9629% | 4,129 |
| Net charge-offs to loans | 1.2329% | 1,355 |
| Credit loss provision to net charge-offs | 97.0918% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.1668% | 4,159 |
| Efficiency ratio | 51.8131% | 6,714 |
| Assets per employee ($millions) | 6.5951% | 905 |
| Cash dividends to net income (ytd only)* | 70.4783% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 4,009 |
| Loan loss allowance to noncurrent loans | 44.8632% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 2.4702% | 2,459 |
| Noncurrent loans to loans | 3.3500% | 1,934 |
| Net loans and leases to total assets | 63.6379% | 3,262 |
| Net loans and leases to deposits | 90.4228% | 1,108 |
| Net loans and leases to core deposits | 113.2561% | 530 |
| Total domestic deposits to total assets | 70.3782% | 6,964 |
| Equity capital to assets | 9.1133% | 5,397 |
| Core capital (leverage) ratio | 8.3256% | 5,824 |
| Tier 1 risk-based capital ratio | 14.1127% | 4,244 |
| Total risk-based capital ratio | 15.3656% | 4,196 |
| Memoranda: | ||
| Average total assets | $1,375,105,800 | 481 |
| Average earning assets | $1,292,366,800 | 463 |
| Average equity | $123,122,200 | 563 |
| Average total loans | $881,335,000 | 475 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 5,762 |
| Cost of funding earning assets | 1.1475% | 2,649 |
| Net interest margin | 3.2057% | 6,148 |
| Noninterest income to average assets | 0.5819% | 3,285 |
| Noninterest expense to average assets | 1.8852% | 6,867 |
| Loan and lease loss provision to assets | 0.5394% | 1,828 |
| Net operating income to assets | 0.8909% | 2,776 |
| Return on assets (ROA) | 0.8974% | 2,896 |
| Pretax return on assets | 1.1779% | 2,702 |
| Return on Equity (ROE) | 10.0656% | 2,173 |
| Retained earnings to average equity (ytd only) | 2.8773% | 4,635 |
| Net charge-offs to loans | 0.5416% | 2,614 |
| Credit loss provision to net charge-offs | 155.6853% | 1,996 |
| Earnings coverage of net charge-offs (x) | 4.9322% | 2,917 |
| Efficiency ratio | 51.8841% | 6,689 |
| Assets per employee ($millions) | 6.7904% | 820 |
| Cash dividends to net income (ytd only)* | 71.4147% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 3,059 |
| Loan loss allowance to noncurrent loans | 68.7845% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 2.0532% | 3,070 |
| Noncurrent loans to loans | 2.5634% | 2,701 |
| Net loans and leases to total assets | 61.3117% | 3,884 |
| Net loans and leases to deposits | 84.8682% | 1,865 |
| Net loans and leases to core deposits | 106.5804% | 835 |
| Total domestic deposits to total assets | 72.2435% | 6,915 |
| Equity capital to assets | 8.7503% | 6,031 |
| Core capital (leverage) ratio | 8.0096% | 6,389 |
| Tier 1 risk-based capital ratio | 13.8250% | 4,482 |
| Total risk-based capital ratio | 15.0830% | 4,440 |
| Memoranda: | ||
| Average total assets | $1,384,180,750 | 483 |
| Average earning assets | $1,300,603,500 | 467 |
| Average equity | $123,400,500 | 565 |
| Average total loans | $885,421,750 | 476 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 5,737 |
| Cost of funding earning assets | 1.1595% | 2,845 |
| Net interest margin | 3.2283% | 6,070 |
| Noninterest income to average assets | 0.5809% | 3,257 |
| Noninterest expense to average assets | 1.8259% | 7,050 |
| Loan and lease loss provision to assets | 0.5935% | 1,630 |
| Net operating income to assets | 0.9017% | 2,627 |
| Return on assets (ROA) | 0.9113% | 2,693 |
| Pretax return on assets | 1.2062% | 2,458 |
| Return on Equity (ROE) | 10.1589% | 2,063 |
| Retained earnings to average equity (ytd only) | 3.0178% | 4,355 |
| Net charge-offs to loans | 0.5347% | 2,493 |
| Credit loss provision to net charge-offs | 172.1243% | 1,757 |
| Earnings coverage of net charge-offs (x) | 5.1826% | 2,673 |
| Efficiency ratio | 49.9679% | 6,941 |
| Assets per employee ($millions) | 6.8515% | 790 |
| Cash dividends to net income (ytd only)* | 70.2939% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 3,342 |
| Loan loss allowance to noncurrent loans | 67.1011% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 2.1769% | 3,014 |
| Noncurrent loans to loans | 2.5249% | 2,863 |
| Net loans and leases to total assets | 63.0281% | 3,672 |
| Net loans and leases to deposits | 87.2679% | 1,614 |
| Net loans and leases to core deposits | 115.7761% | 523 |
| Total domestic deposits to total assets | 72.2238% | 6,990 |
| Equity capital to assets | 9.2111% | 5,262 |
| Core capital (leverage) ratio | 8.7979% | 5,053 |
| Tier 1 risk-based capital ratio | 14.9997% | 3,495 |
| Total risk-based capital ratio | 16.2568% | 3,464 |
| Memoranda: | ||
| Average total assets | $1,381,561,000 | 488 |
| Average earning assets | $1,297,592,670 | 476 |
| Average equity | $123,931,330 | 566 |
| Average total loans | $890,961,330 | 481 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 5,571 |
| Cost of funding earning assets | 1.1564% | 3,112 |
| Net interest margin | 3.2785% | 5,850 |
| Noninterest income to average assets | 0.6103% | 3,093 |
| Noninterest expense to average assets | 1.8590% | 7,060 |
| Loan and lease loss provision to assets | 0.6085% | 1,413 |
| Net operating income to assets | 0.9160% | 2,489 |
| Return on assets (ROA) | 0.9160% | 2,544 |
| Pretax return on assets | 1.2229% | 2,301 |
| Return on Equity (ROE) | 10.3507% | 1,976 |
| Retained earnings to average equity (ytd only) | 3.1042% | 4,306 |
| Net charge-offs to loans | 0.6344% | 1,933 |
| Credit loss provision to net charge-offs | 148.3051% | 1,926 |
| Earnings coverage of net charge-offs (x) | 4.4633% | 2,474 |
| Efficiency ratio | 49.8155% | 7,001 |
| Assets per employee ($millions) | 6.7595% | 825 |
| Cash dividends to net income (ytd only)* | 70.0095% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 3,899 |
| Loan loss allowance to noncurrent loans | 61.4331% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.9557% | 3,367 |
| Noncurrent loans to loans | 2.5459% | 2,940 |
| Net loans and leases to total assets | 62.9734% | 3,668 |
| Net loans and leases to deposits | 83.8417% | 2,055 |
| Net loans and leases to core deposits | 116.0512% | 531 |
| Total domestic deposits to total assets | 75.1098% | 6,775 |
| Equity capital to assets | 8.7882% | 5,514 |
| Core capital (leverage) ratio | 8.9075% | 4,760 |
| Tier 1 risk-based capital ratio | 14.8811% | 3,488 |
| Total risk-based capital ratio | 16.1366% | 3,449 |
| Memoranda: | ||
| Average total assets | $1,380,338,000 | 497 |
| Average earning assets | $1,296,822,500 | 482 |
| Average equity | $122,156,000 | 570 |
| Average total loans | $892,768,000 | 486 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 5,859 |
| Cost of funding earning assets | 1.3510% | 3,570 |
| Net interest margin | 3.3314% | 5,866 |
| Noninterest income to average assets | 0.6422% | 3,196 |
| Noninterest expense to average assets | 1.8830% | 7,182 |
| Loan and lease loss provision to assets | 0.6363% | 2,589 |
| Net operating income to assets | 0.9255% | 2,293 |
| Return on assets (ROA) | 0.9256% | 2,419 |
| Pretax return on assets | 1.2374% | 2,113 |
| Return on Equity (ROE) | 10.0591% | 1,906 |
| Retained earnings to average equity (ytd only) | 2.7735% | 3,913 |
| Net charge-offs to loans | 0.9398% | 2,301 |
| Credit loss provision to net charge-offs | 96.3192% | 4,823 |
| Earnings coverage of net charge-offs (x) | 2.8360% | 3,658 |
| Efficiency ratio | 49.5543% | 7,159 |
| Assets per employee ($millions) | 6.5771% | 915 |
| Cash dividends to net income (ytd only)* | 72.4282% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 4,039 |
| Loan loss allowance to noncurrent loans | 59.7318% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.9995% | 3,347 |
| Noncurrent loans to loans | 2.5037% | 3,023 |
| Net loans and leases to total assets | 64.4225% | 3,782 |
| Net loans and leases to deposits | 89.9428% | 1,533 |
| Net loans and leases to core deposits | 118.9248% | 561 |
| Total domestic deposits to total assets | 71.6261% | 7,118 |
| Equity capital to assets | 8.9129% | 5,266 |
| Core capital (leverage) ratio | 9.0416% | 4,469 |
| Tier 1 risk-based capital ratio | 14.8585% | 3,330 |
| Total risk-based capital ratio | 16.1133% | 3,287 |
| Memoranda: | ||
| Average total assets | $1,320,090,000 | 511 |
| Average earning assets | $1,234,084,800 | 493 |
| Average equity | $121,472,200 | 559 |
| Average total loans | $927,986,600 | 487 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 5,952 |
| Cost of funding earning assets | 1.3831% | 3,684 |
| Net interest margin | 3.3350% | 5,909 |
| Noninterest income to average assets | 0.6227% | 3,296 |
| Noninterest expense to average assets | 1.8575% | 7,257 |
| Loan and lease loss provision to assets | 0.6413% | 2,383 |
| Net operating income to assets | 0.9288% | 2,498 |
| Return on assets (ROA) | 0.9289% | 2,628 |
| Pretax return on assets | 1.2388% | 2,365 |
| Return on Equity (ROE) | 10.0132% | 2,115 |
| Retained earnings to average equity (ytd only) | 2.7291% | 4,519 |
| Net charge-offs to loans | 0.8096% | 2,426 |
| Credit loss provision to net charge-offs | 110.6817% | 3,823 |
| Earnings coverage of net charge-offs (x) | 3.2444% | 3,522 |
| Efficiency ratio | 49.1202% | 7,202 |
| Assets per employee ($millions) | 6.4507% | 991 |
| Cash dividends to net income (ytd only)* | 72.7453% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 3,735 |
| Loan loss allowance to noncurrent loans | 63.4974% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.0698% | 3,376 |
| Noncurrent loans to loans | 2.4396% | 3,189 |
| Net loans and leases to total assets | 67.4734% | 3,337 |
| Net loans and leases to deposits | 91.6811% | 1,490 |
| Net loans and leases to core deposits | 117.1119% | 714 |
| Total domestic deposits to total assets | 73.5958% | 6,974 |
| Equity capital to assets | 9.2279% | 5,261 |
| Core capital (leverage) ratio | 9.0533% | 4,598 |
| Tier 1 risk-based capital ratio | 14.4750% | 3,522 |
| Total risk-based capital ratio | 15.7308% | 3,491 |
| Memoranda: | ||
| Average total assets | $1,309,747,750 | 512 |
| Average earning assets | $1,223,252,250 | 492 |
| Average equity | $121,503,750 | 554 |
| Average total loans | $937,382,750 | 477 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 6,076 |
| Cost of funding earning assets | 1.3817% | 3,998 |
| Net interest margin | 3.3382% | 5,879 |
| Noninterest income to average assets | 0.6503% | 3,013 |
| Noninterest expense to average assets | 1.8647% | 7,307 |
| Loan and lease loss provision to assets | 0.6928% | 2,090 |
| Net operating income to assets | 0.9081% | 2,526 |
| Return on assets (ROA) | 0.9083% | 2,634 |
| Pretax return on assets | 1.2064% | 2,390 |
| Return on Equity (ROE) | 9.7736% | 2,186 |
| Retained earnings to average equity (ytd only) | 2.4434% | 4,599 |
| Net charge-offs to loans | 0.8421% | 2,142 |
| Credit loss provision to net charge-offs | 113.2931% | 3,590 |
| Earnings coverage of net charge-offs (x) | 3.1052% | 3,451 |
| Efficiency ratio | 48.9651% | 7,290 |
| Assets per employee ($millions) | 6.2197% | 1,086 |
| Cash dividends to net income (ytd only)* | 75.0000% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 3,847 |
| Loan loss allowance to noncurrent loans | 56.6577% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 2.3031% | 3,128 |
| Noncurrent loans to loans | 2.6727% | 2,971 |
| Net loans and leases to total assets | 71.2127% | 2,611 |
| Net loans and leases to deposits | 96.9815% | 959 |
| Net loans and leases to core deposits | 125.5199% | 528 |
| Total domestic deposits to total assets | 73.4292% | 7,048 |
| Equity capital to assets | 9.4398% | 4,801 |
| Core capital (leverage) ratio | 9.1238% | 4,420 |
| Tier 1 risk-based capital ratio | 14.0378% | 3,703 |
| Total risk-based capital ratio | 15.2930% | 3,667 |
| Memoranda: | ||
| Average total assets | $1,299,080,670 | 510 |
| Average earning assets | $1,211,549,670 | 496 |
| Average equity | $120,733,330 | 551 |
| Average total loans | $943,320,670 | 475 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 6,313 |
| Cost of funding earning assets | 1.3512% | 4,485 |
| Net interest margin | 3.3299% | 5,860 |
| Noninterest income to average assets | 0.6345% | 3,050 |
| Noninterest expense to average assets | 1.9217% | 7,297 |
| Loan and lease loss provision to assets | 0.7375% | 1,723 |
| Net operating income to assets | 0.8316% | 2,829 |
| Return on assets (ROA) | 0.8321% | 2,923 |
| Pretax return on assets | 1.0899% | 2,771 |
| Return on Equity (ROE) | 9.0237% | 2,486 |
| Retained earnings to average equity (ytd only) | 1.6528% | 5,108 |
| Net charge-offs to loans | 0.7407% | 2,025 |
| Credit loss provision to net charge-offs | 136.8301% | 2,577 |
| Earnings coverage of net charge-offs (x) | 3.3894% | 2,922 |
| Efficiency ratio | 50.6845% | 7,266 |
| Assets per employee ($millions) | 6.3942% | 1,049 |
| Cash dividends to net income (ytd only)* | 81.6839% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 3,807 |
| Loan loss allowance to noncurrent loans | 62.0110% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.2527% | 3,211 |
| Noncurrent loans to loans | 2.4525% | 3,223 |
| Net loans and leases to total assets | 70.9036% | 2,719 |
| Net loans and leases to deposits | 98.4385% | 870 |
| Net loans and leases to core deposits | 126.2102% | 576 |
| Total domestic deposits to total assets | 72.0283% | 7,263 |
| Equity capital to assets | 9.2219% | 4,960 |
| Core capital (leverage) ratio | 9.1770% | 4,261 |
| Tier 1 risk-based capital ratio | 13.8061% | 3,794 |
| Total risk-based capital ratio | 15.0612% | 3,744 |
| Memoranda: | ||
| Average total assets | $1,301,776,500 | 527 |
| Average earning assets | $1,217,320,000 | 511 |
| Average equity | $120,039,000 | 562 |
| Average total loans | $947,263,000 | 494 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 6,071 |
| Cost of funding earning assets | 1.5247% | 5,405 |
| Net interest margin | 3.5787% | 4,623 |
| Noninterest income to average assets | 0.9090% | 1,912 |
| Noninterest expense to average assets | 1.9230% | 7,466 |
| Loan and lease loss provision to assets | 0.9214% | 2,432 |
| Net operating income to assets | 1.0586% | 1,633 |
| Return on assets (ROA) | 0.9989% | 1,893 |
| Pretax return on assets | 1.3479% | 1,564 |
| Return on Equity (ROE) | 11.6959% | 1,235 |
| Retained earnings to average equity (ytd only) | 4.1876% | 2,289 |
| Net charge-offs to loans | 0.7487% | 2,954 |
| Credit loss provision to net charge-offs | 166.0522% | 2,621 |
| Earnings coverage of net charge-offs (x) | 4.2353% | 3,014 |
| Efficiency ratio | 44.5022% | 7,764 |
| Assets per employee ($millions) | 6.3065% | 1,077 |
| Cash dividends to net income (ytd only)* | 64.1963% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 4,088 |
| Loan loss allowance to noncurrent loans | 69.0901% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 3,484 |
| Noncurrent loans to loans | 2.0660% | 3,565 |
| Net loans and leases to total assets | 72.4888% | 2,639 |
| Net loans and leases to deposits | 102.0317% | 751 |
| Net loans and leases to core deposits | 162.4305% | 314 |
| Total domestic deposits to total assets | 71.0454% | 7,336 |
| Equity capital to assets | 9.2204% | 4,816 |
| Core capital (leverage) ratio | 9.1885% | 4,141 |
| Tier 1 risk-based capital ratio | 13.6227% | 3,741 |
| Total risk-based capital ratio | 14.8765% | 3,678 |
| Memoranda: | ||
| Average total assets | $1,319,782,200 | 514 |
| Average earning assets | $1,240,601,200 | 493 |
| Average equity | $112,714,800 | 581 |
| Average total loans | $978,090,200 | 483 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 5,855 |
| Cost of funding earning assets | 1.5786% | 5,497 |
| Net interest margin | 3.6267% | 4,389 |
| Noninterest income to average assets | 0.7945% | 2,460 |
| Noninterest expense to average assets | 1.8759% | 7,573 |
| Loan and lease loss provision to assets | 0.7708% | 2,446 |
| Net operating income to assets | 1.1341% | 1,622 |
| Return on assets (ROA) | 1.0559% | 1,941 |
| Pretax return on assets | 1.4549% | 1,539 |
| Return on Equity (ROE) | 12.6099% | 1,201 |
| Retained earnings to average equity (ytd only) | 5.0990% | 2,431 |
| Net charge-offs to loans | 0.4960% | 3,238 |
| Credit loss provision to net charge-offs | 209.2896% | 2,110 |
| Earnings coverage of net charge-offs (x) | 6.3339% | 2,625 |
| Efficiency ratio | 44.0619% | 7,837 |
| Assets per employee ($millions) | 6.4052% | 1,031 |
| Cash dividends to net income (ytd only)* | 59.5635% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,432 |
| Loan loss allowance to noncurrent loans | 57.7800% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.9341% | 3,446 |
| Noncurrent loans to loans | 2.2683% | 3,309 |
| Net loans and leases to total assets | 74.1247% | 2,489 |
| Net loans and leases to deposits | 100.3602% | 1,072 |
| Net loans and leases to core deposits | 158.0100% | 415 |
| Total domestic deposits to total assets | 73.8587% | 6,974 |
| Equity capital to assets | 9.1967% | 5,173 |
| Core capital (leverage) ratio | 8.8332% | 4,923 |
| Tier 1 risk-based capital ratio | 13.5752% | 3,794 |
| Total risk-based capital ratio | 14.8176% | 3,737 |
| Memoranda: | ||
| Average total assets | $1,324,943,000 | 524 |
| Average earning assets | $1,247,323,750 | 505 |
| Average equity | $110,947,000 | 600 |
| Average total loans | $983,771,000 | 498 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3041% | 5,640 |
| Cost of funding earning assets | 1.6494% | 5,518 |
| Net interest margin | 3.6547% | 4,145 |
| Noninterest income to average assets | 0.7660% | 2,614 |
| Noninterest expense to average assets | 1.7764% | 7,769 |
| Loan and lease loss provision to assets | 0.6901% | 2,359 |
| Net operating income to assets | 1.2506% | 1,355 |
| Return on assets (ROA) | 1.1356% | 1,729 |
| Pretax return on assets | 1.5830% | 1,241 |
| Return on Equity (ROE) | 14.0096% | 988 |
| Retained earnings to average equity (ytd only) | 6.5366% | 1,778 |
| Net charge-offs to loans | 0.3342% | 3,504 |
| Credit loss provision to net charge-offs | 279.1262% | 1,676 |
| Earnings coverage of net charge-offs (x) | 9.8398% | 2,067 |
| Efficiency ratio | 41.6973% | 7,985 |
| Assets per employee ($millions) | 6.5279% | 954 |
| Cash dividends to net income (ytd only)* | 53.3421% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 5,004 |
| Loan loss allowance to noncurrent loans | 58.9279% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.6993% | 3,629 |
| Noncurrent loans to loans | 2.0234% | 3,482 |
| Net loans and leases to total assets | 72.7724% | 3,010 |
| Net loans and leases to deposits | 106.5145% | 737 |
| Net loans and leases to core deposits | 174.8261% | 270 |
| Total domestic deposits to total assets | 68.3216% | 7,599 |
| Equity capital to assets | 8.8331% | 5,551 |
| Core capital (leverage) ratio | 8.6243% | 5,221 |
| Tier 1 risk-based capital ratio | 13.3391% | 3,905 |
| Total risk-based capital ratio | 14.5903% | 3,843 |
| Memoranda: | ||
| Average total assets | $1,333,169,330 | 532 |
| Average earning assets | $1,255,962,000 | 514 |
| Average equity | $108,069,000 | 623 |
| Average total loans | $986,155,670 | 512 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3588% | 5,622 |
| Cost of funding earning assets | 1.7672% | 5,282 |
| Net interest margin | 3.5917% | 4,349 |
| Noninterest income to average assets | 0.7175% | 2,778 |
| Noninterest expense to average assets | 1.7008% | 7,822 |
| Loan and lease loss provision to assets | 0.4960% | 2,492 |
| Net operating income to assets | 1.3612% | 1,232 |
| Return on assets (ROA) | 1.1354% | 1,965 |
| Pretax return on assets | 1.5911% | 1,432 |
| Return on Equity (ROE) | 14.6680% | 1,041 |
| Retained earnings to average equity (ytd only) | 7.1922% | 2,137 |
| Net charge-offs to loans | 0.2615% | 3,095 |
| Credit loss provision to net charge-offs | 255.8140% | 1,840 |
| Earnings coverage of net charge-offs (x) | 12.4047% | 1,806 |
| Efficiency ratio | 40.9034% | 8,026 |
| Assets per employee ($millions) | 6.5396% | 945 |
| Cash dividends to net income (ytd only)* | 50.9664% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 6,266 |
| Loan loss allowance to noncurrent loans | 57.6595% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.4382% | 3,776 |
| Noncurrent loans to loans | 1.7143% | 3,690 |
| Net loans and leases to total assets | 71.8594% | 3,272 |
| Net loans and leases to deposits | 99.4375% | 1,485 |
| Net loans and leases to core deposits | 162.4355% | 460 |
| Total domestic deposits to total assets | 72.2659% | 7,167 |
| Equity capital to assets | 8.5367% | 6,016 |
| Core capital (leverage) ratio | 8.6674% | 5,217 |
| Tier 1 risk-based capital ratio | 12.9232% | 4,229 |
| Total risk-based capital ratio | 14.0317% | 4,246 |
| Memoranda: | ||
| Average total assets | $1,330,640,500 | 534 |
| Average earning assets | $1,255,345,500 | 518 |
| Average equity | $103,000,000 | 651 |
| Average total loans | $986,427,500 | 516 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1362% | 4,855 |
| Cost of funding earning assets | 2.8690% | 2,397 |
| Net interest margin | 3.2672% | 6,152 |
| Noninterest income to average assets | 0.7218% | 2,972 |
| Noninterest expense to average assets | 1.8302% | 7,718 |
| Loan and lease loss provision to assets | 0.3768% | 3,427 |
| Net operating income to assets | 1.1391% | 1,991 |
| Return on assets (ROA) | 1.1353% | 1,927 |
| Pretax return on assets | 1.5833% | 1,439 |
| Return on Equity (ROE) | 16.3674% | 716 |
| Retained earnings to average equity (ytd only) | 7.6411% | 952 |
| Net charge-offs to loans | 0.2839% | 3,508 |
| Credit loss provision to net charge-offs | 174.0741% | 2,923 |
| Earnings coverage of net charge-offs (x) | 9.0796% | 2,759 |
| Efficiency ratio | 47.6217% | 7,838 |
| Assets per employee ($millions) | 6.2536% | 1,006 |
| Cash dividends to net income (ytd only)* | 53.3154% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,690 |
| Loan loss allowance to noncurrent loans | 54.4117% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 1.4368% | 3,334 |
| Noncurrent loans to loans | 1.6488% | 3,299 |
| Net loans and leases to total assets | 75.0938% | 2,859 |
| Net loans and leases to deposits | 104.9833% | 1,234 |
| Net loans and leases to core deposits | 153.0487% | 746 |
| Total domestic deposits to total assets | 71.5292% | 7,082 |
| Equity capital to assets | 6.9002% | 7,776 |
| Core capital (leverage) ratio | 6.9033% | 7,757 |
| Tier 1 risk-based capital ratio | 10.0854% | 6,636 |
| Total risk-based capital ratio | 11.0990% | 6,786 |
| Memoranda: | ||
| Average total assets | $1,247,340,600 | 541 |
| Average earning assets | $1,173,528,400 | 526 |
| Average equity | $86,519,400 | 771 |
| Average total loans | $951,069,600 | 515 |