Home > First National Bank of America > Performance and Condition Ratios
First National Bank of America, 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 | 7.9252% | 127 |
| Cost of funding earning assets | 2.9925% | 144 |
| Net interest margin | 4.9327% | 347 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.3200% | 4,431 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 2.6315% | 217 |
| Return on assets (ROA) | 2.6327% | 215 |
| Pretax return on assets | 3.3330% | 162 |
| Return on Equity (ROE) | 31.7100% | 157 |
| Retained earnings to average equity (ytd only) | 18.6073% | 167 |
| Net charge-offs to loans | 0.0029% | 2,682 |
| Credit loss provision to net charge-offs | 7,793.3824% | 69 |
| Earnings coverage of net charge-offs (x) | 1,314.1838% | 117 |
| Efficiency ratio | 27.1514% | 4,507 |
| Assets per employee ($millions) | 15.9029% | 176 |
| Cash dividends to net income (ytd only)* | 41.3211% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 2,853 |
| Loan loss allowance to noncurrent loans | 94.4717% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.1383% | 399 |
| Noncurrent loans to loans | 1.1621% | 620 |
| Net loans and leases to total assets | 91.5400% | 20 |
| Net loans and leases to deposits | 158.1183% | 10 |
| Net loans and leases to core deposits | 371.2493% | 50 |
| Total domestic deposits to total assets | 57.8900% | 4,452 |
| Equity capital to assets | 8.0880% | 3,360 |
| Core capital (leverage) ratio | 8.3731% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7904% | 1,115 |
| Memoranda: | ||
| Average total assets | $5,046,621,200 | 271 |
| Average earning assets | $4,896,012,000 | 257 |
| Average equity | $418,987,000 | 306 |
| Average total loans | $4,674,445,000 | 213 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8103% | 123 |
| Cost of funding earning assets | 2.8541% | 144 |
| Net interest margin | 4.9562% | 327 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.2955% | 4,448 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 2.6777% | 224 |
| Return on assets (ROA) | 2.6735% | 225 |
| Pretax return on assets | 3.3827% | 172 |
| Return on Equity (ROE) | 31.9700% | 191 |
| Retained earnings to average equity (ytd only) | 19.8745% | 265 |
| Net charge-offs to loans | 0.0004% | 2,648 |
| Credit loss provision to net charge-offs | 47,226.6667% | 3 |
| Earnings coverage of net charge-offs (x) | 8,781.5333% | 5 |
| Efficiency ratio | 26.5676% | 4,534 |
| Assets per employee ($millions) | 15.2117% | 189 |
| Cash dividends to net income (ytd only)* | 37.8245% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 2,889 |
| Loan loss allowance to noncurrent loans | 96.5396% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1221% | 417 |
| Noncurrent loans to loans | 1.1339% | 692 |
| Net loans and leases to total assets | 91.8300% | 16 |
| Net loans and leases to deposits | 157.2748% | 11 |
| Net loans and leases to core deposits | 348.8381% | 14 |
| Total domestic deposits to total assets | 58.3900% | 4,469 |
| Equity capital to assets | 8.2519% | 2,887 |
| Core capital (leverage) ratio | 8.6519% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0619% | 1,087 |
| Memoranda: | ||
| Average total assets | $4,904,841,750 | 279 |
| Average earning assets | $4,760,308,000 | 266 |
| Average equity | $410,224,500 | 314 |
| Average total loans | $4,544,081,000 | 221 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7505% | 118 |
| Cost of funding earning assets | 2.7224% | 124 |
| Net interest margin | 5.0280% | 302 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.3114% | 4,468 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 2.7484% | 187 |
| Return on assets (ROA) | 2.7490% | 186 |
| Pretax return on assets | 3.4814% | 150 |
| Return on Equity (ROE) | 32.7100% | 173 |
| Retained earnings to average equity (ytd only) | 23.8964% | 144 |
| Net charge-offs to loans | 0.0005% | 2,435 |
| Credit loss provision to net charge-offs | 36,636.3636% | 13 |
| Earnings coverage of net charge-offs (x) | 7,929.3636% | 10 |
| Efficiency ratio | 26.4363% | 4,560 |
| Assets per employee ($millions) | 14.2213% | 223 |
| Cash dividends to net income (ytd only)* | 26.9386% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 2,971 |
| Loan loss allowance to noncurrent loans | 90.3504% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 335 |
| Noncurrent loans to loans | 1.2132% | 581 |
| Net loans and leases to total assets | 91.9300% | 17 |
| Net loans and leases to deposits | 154.3659% | 15 |
| Net loans and leases to core deposits | 314.3629% | 16 |
| Total domestic deposits to total assets | 59.5600% | 4,486 |
| Equity capital to assets | 8.5014% | 2,863 |
| Core capital (leverage) ratio | 8.7744% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5579% | 1,025 |
| Memoranda: | ||
| Average total assets | $4,780,305,000 | 275 |
| Average earning assets | $4,641,974,667 | 262 |
| Average equity | $401,775,667 | 307 |
| Average total loans | $4,425,114,667 | 216 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5942% | 77 |
| Cost of funding earning assets | 2.5592% | 87 |
| Net interest margin | 5.0350% | 285 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.3615% | 4,496 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 2.7111% | 202 |
| Return on assets (ROA) | 2.7187% | 198 |
| Pretax return on assets | 3.4414% | 149 |
| Return on Equity (ROE) | 32.5500% | 190 |
| Retained earnings to average equity (ytd only) | 32.5467% | 94 |
| Net charge-offs to loans | -0.0018% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 27.4166% | 4,620 |
| Assets per employee ($millions) | 13.7020% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 3,083 |
| Loan loss allowance to noncurrent loans | 86.9524% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 284 |
| Noncurrent loans to loans | 1.2605% | 541 |
| Net loans and leases to total assets | 90.9100% | 24 |
| Net loans and leases to deposits | 150.7526% | 15 |
| Net loans and leases to core deposits | 312.4602% | 17 |
| Total domestic deposits to total assets | 60.3000% | 4,540 |
| Equity capital to assets | 8.4135% | 2,958 |
| Core capital (leverage) ratio | 8.7743% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5499% | 1,061 |
| Memoranda: | ||
| Average total assets | $4,688,849,000 | 288 |
| Average earning assets | $4,554,357,000 | 276 |
| Average equity | $391,671,000 | 320 |
| Average total loans | $4,330,953,500 | 226 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4434% | 39 |
| Cost of funding earning assets | 1.5482% | 20 |
| Net interest margin | 5.8953% | 60 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.5104% | 4,416 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 3.2379% | 99 |
| Return on assets (ROA) | 3.2205% | 98 |
| Pretax return on assets | 4.0821% | 89 |
| Return on Equity (ROE) | 37.8400% | 62 |
| Retained earnings to average equity (ytd only) | 25.1093% | 46 |
| Net charge-offs to loans | -0.0030% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 26.0246% | 4,672 |
| Assets per employee ($millions) | 13.0505% | 301 |
| Cash dividends to net income (ytd only)* | 33.6476% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,390 |
| Loan loss allowance to noncurrent loans | 78.4565% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.2796% | 283 |
| Noncurrent loans to loans | 1.2747% | 540 |
| Net loans and leases to total assets | 91.9200% | 17 |
| Net loans and leases to deposits | 147.0493% | 17 |
| Net loans and leases to core deposits | 300.2438% | 18 |
| Total domestic deposits to total assets | 62.5100% | 4,560 |
| Equity capital to assets | 8.2894% | 2,864 |
| Core capital (leverage) ratio | 8.7124% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1109% | 1,108 |
| Memoranda: | ||
| Average total assets | $3,875,938,400 | 323 |
| Average earning assets | $3,768,643,600 | 304 |
| Average equity | $329,850,400 | 360 |
| Average total loans | $3,606,833,200 | 247 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4399% | 31 |
| Cost of funding earning assets | 1.3202% | 17 |
| Net interest margin | 6.1197% | 42 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.5394% | 4,376 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 3.3962% | 95 |
| Return on assets (ROA) | 3.3709% | 91 |
| Pretax return on assets | 4.2656% | 83 |
| Return on Equity (ROE) | 39.3000% | 47 |
| Retained earnings to average equity (ytd only) | 21.6826% | 69 |
| Net charge-offs to loans | -0.0036% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 25.5076% | 4,708 |
| Assets per employee ($millions) | 12.3977% | 343 |
| Cash dividends to net income (ytd only)* | 44.8229% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 3,367 |
| Loan loss allowance to noncurrent loans | 80.3573% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.2696% | 300 |
| Noncurrent loans to loans | 1.2751% | 575 |
| Net loans and leases to total assets | 92.2300% | 10 |
| Net loans and leases to deposits | 144.9062% | 16 |
| Net loans and leases to core deposits | 281.3141% | 17 |
| Total domestic deposits to total assets | 63.6500% | 4,604 |
| Equity capital to assets | 8.2308% | 2,731 |
| Core capital (leverage) ratio | 8.7363% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9349% | 1,191 |
| Memoranda: | ||
| Average total assets | $3,706,270,250 | 332 |
| Average earning assets | $3,604,527,000 | 313 |
| Average equity | $317,925,000 | 376 |
| Average total loans | $3,451,359,000 | 255 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3986% | 29 |
| Cost of funding earning assets | 1.1494% | 17 |
| Net interest margin | 6.2492% | 44 |
| Noninterest income to average assets | 0.0978% | 4,493 |
| Noninterest expense to average assets | 1.5781% | 4,331 |
| Loan and lease loss provision to assets | 0.1610% | 577 |
| Net operating income to assets | 3.5046% | 55 |
| Return on assets (ROA) | 3.4781% | 53 |
| Pretax return on assets | 4.4039% | 47 |
| Return on Equity (ROE) | 39.8991% | 26 |
| Retained earnings to average equity (ytd only) | 12.5883% | 517 |
| Net charge-offs to loans | -0.0057% | 3,387 |
| Credit loss provision to net charge-offs | -3,053.7634% | 3,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.5499% | 4,737 |
| Assets per employee ($millions) | 10.9082% | 513 |
| Cash dividends to net income (ytd only)* | 68.4496% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,340 |
| Loan loss allowance to noncurrent loans | 75.3261% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.4024% | 266 |
| Noncurrent loans to loans | 1.4029% | 537 |
| Net loans and leases to total assets | 92.2089% | 7 |
| Net loans and leases to deposits | 146.9505% | 10 |
| Net loans and leases to core deposits | 270.7713% | 19 |
| Total domestic deposits to total assets | 62.7483% | 4,674 |
| Equity capital to assets | 8.2436% | 2,949 |
| Core capital (leverage) ratio | 8.8147% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7089% | 1,251 |
| Memoranda: | ||
| Average total assets | $3,528,353,000 | 336 |
| Average earning assets | $3,432,181,000 | 322 |
| Average equity | $307,571,000 | 385 |
| Average total loans | $3,284,794,000 | 259 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4621% | 29 |
| Cost of funding earning assets | 1.0809% | 25 |
| Net interest margin | 6.3811% | 40 |
| Noninterest income to average assets | 0.1033% | 4,491 |
| Noninterest expense to average assets | 1.5912% | 4,310 |
| Loan and lease loss provision to assets | 0.0532% | 1,429 |
| Net operating income to assets | 3.6877% | 56 |
| Return on assets (ROA) | 3.6547% | 54 |
| Pretax return on assets | 4.6262% | 49 |
| Return on Equity (ROE) | 40.6788% | 28 |
| Retained earnings to average equity (ytd only) | 15.6781% | 248 |
| Net charge-offs to loans | -0.0125% | 3,675 |
| Credit loss provision to net charge-offs | -459.1837% | 3,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.2079% | 4,762 |
| Assets per employee ($millions) | 10.2278% | 647 |
| Cash dividends to net income (ytd only)* | 61.4588% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,345 |
| Loan loss allowance to noncurrent loans | 76.6388% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 258 |
| Noncurrent loans to loans | 1.4283% | 593 |
| Net loans and leases to total assets | 92.0367% | 4 |
| Net loans and leases to deposits | 142.5290% | 9 |
| Net loans and leases to core deposits | 248.5098% | 20 |
| Total domestic deposits to total assets | 64.5740% | 4,706 |
| Equity capital to assets | 8.9301% | 2,774 |
| Core capital (leverage) ratio | 9.2659% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7985% | 1,081 |
| Memoranda: | ||
| Average total assets | $3,383,588,500 | 350 |
| Average earning assets | $3,292,322,000 | 335 |
| Average equity | $303,991,000 | 392 |
| Average total loans | $3,148,178,000 | 268 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7298% | 29 |
| Cost of funding earning assets | 1.2523% | 25 |
| Net interest margin | 6.4775% | 40 |
| Noninterest income to average assets | 0.0963% | 4,623 |
| Noninterest expense to average assets | 1.6787% | 4,326 |
| Loan and lease loss provision to assets | -0.0274% | 4,260 |
| Net operating income to assets | 3.7466% | 65 |
| Return on assets (ROA) | 3.7403% | 70 |
| Pretax return on assets | 4.7338% | 61 |
| Return on Equity (ROE) | 37.9340% | 33 |
| Retained earnings to average equity (ytd only) | 3.5877% | 3,388 |
| Net charge-offs to loans | -0.0024% | 3,393 |
| Credit loss provision to net charge-offs | 1,250.0000% | 447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2584% | 4,808 |
| Assets per employee ($millions) | 9.8812% | 690 |
| Cash dividends to net income (ytd only)* | 90.5422% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 3,248 |
| Loan loss allowance to noncurrent loans | 81.5997% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.4137% | 309 |
| Noncurrent loans to loans | 1.3796% | 679 |
| Net loans and leases to total assets | 91.9820% | 11 |
| Net loans and leases to deposits | 139.4934% | 11 |
| Net loans and leases to core deposits | 241.1066% | 22 |
| Total domestic deposits to total assets | 65.9400% | 4,731 |
| Equity capital to assets | 9.0409% | 3,581 |
| Core capital (leverage) ratio | 9.2639% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9289% | 1,054 |
| Memoranda: | ||
| Average total assets | $3,100,506,600 | 363 |
| Average earning assets | $3,013,956,400 | 348 |
| Average equity | $305,710,000 | 395 |
| Average total loans | $2,876,124,400 | 278 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7263% | 30 |
| Cost of funding earning assets | 1.2947% | 22 |
| Net interest margin | 6.4315% | 43 |
| Noninterest income to average assets | 0.0938% | 4,690 |
| Noninterest expense to average assets | 1.5713% | 4,506 |
| Loan and lease loss provision to assets | -0.0656% | 4,513 |
| Net operating income to assets | 3.8223% | 75 |
| Return on assets (ROA) | 3.8169% | 76 |
| Pretax return on assets | 4.8315% | 68 |
| Return on Equity (ROE) | 37.8567% | 44 |
| Retained earnings to average equity (ytd only) | 7.4873% | 2,231 |
| Net charge-offs to loans | -0.0028% | 3,279 |
| Credit loss provision to net charge-offs | 2,542.3729% | 273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.7678% | 4,885 |
| Assets per employee ($millions) | 9.6148% | 736 |
| Cash dividends to net income (ytd only)* | 80.2219% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,208 |
| Loan loss allowance to noncurrent loans | 80.3094% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 338 |
| Noncurrent loans to loans | 1.4312% | 742 |
| Net loans and leases to total assets | 91.8968% | 11 |
| Net loans and leases to deposits | 143.9649% | 15 |
| Net loans and leases to core deposits | 243.3384% | 25 |
| Total domestic deposits to total assets | 63.8328% | 4,812 |
| Equity capital to assets | 9.6184% | 3,271 |
| Core capital (leverage) ratio | 9.7203% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9603% | 971 |
| Memoranda: | ||
| Average total assets | $3,048,086,000 | 372 |
| Average earning assets | $2,962,156,250 | 354 |
| Average equity | $307,320,000 | 396 |
| Average total loans | $2,825,294,500 | 282 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7271% | 28 |
| Cost of funding earning assets | 1.3424% | 20 |
| Net interest margin | 6.3846% | 48 |
| Noninterest income to average assets | 0.0922% | 4,718 |
| Noninterest expense to average assets | 1.5734% | 4,546 |
| Loan and lease loss provision to assets | -0.1828% | 4,742 |
| Net operating income to assets | 3.8753% | 72 |
| Return on assets (ROA) | 3.8694% | 73 |
| Pretax return on assets | 4.8974% | 66 |
| Return on Equity (ROE) | 37.7637% | 54 |
| Retained earnings to average equity (ytd only) | 24.7650% | 74 |
| Net charge-offs to loans | 0.0039% | 2,020 |
| Credit loss provision to net charge-offs | -5,083.3333% | 3,991 |
| Earnings coverage of net charge-offs (x) | 1,313.1296% | 94 |
| Efficiency ratio | 24.9926% | 4,921 |
| Assets per employee ($millions) | 9.1393% | 821 |
| Cash dividends to net income (ytd only)* | 34.4210% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 3,195 |
| Loan loss allowance to noncurrent loans | 68.4738% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.6993% | 296 |
| Noncurrent loans to loans | 1.6791% | 636 |
| Net loans and leases to total assets | 91.6849% | 11 |
| Net loans and leases to deposits | 139.7263% | 22 |
| Net loans and leases to core deposits | 236.7300% | 26 |
| Total domestic deposits to total assets | 65.6174% | 4,826 |
| Equity capital to assets | 10.6839% | 2,238 |
| Core capital (leverage) ratio | 10.8117% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9615% | 710 |
| Memoranda: | ||
| Average total assets | $3,003,280,667 | 376 |
| Average earning assets | $2,917,981,667 | 356 |
| Average equity | $307,724,333 | 388 |
| Average total loans | $2,780,850,667 | 287 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7186% | 30 |
| Cost of funding earning assets | 1.4194% | 21 |
| Net interest margin | 6.2991% | 51 |
| Noninterest income to average assets | 0.1019% | 4,676 |
| Noninterest expense to average assets | 1.5982% | 4,537 |
| Loan and lease loss provision to assets | 0.1358% | 994 |
| Net operating income to assets | 3.5405% | 107 |
| Return on assets (ROA) | 3.5256% | 117 |
| Pretax return on assets | 4.4628% | 86 |
| Return on Equity (ROE) | 35.1826% | 86 |
| Retained earnings to average equity (ytd only) | 24.4455% | 149 |
| Net charge-offs to loans | 0.0074% | 1,636 |
| Credit loss provision to net charge-offs | 1,980.3922% | 248 |
| Earnings coverage of net charge-offs (x) | 673.1765% | 143 |
| Efficiency ratio | 25.7124% | 4,936 |
| Assets per employee ($millions) | 8.7757% | 896 |
| Cash dividends to net income (ytd only)* | 30.5180% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 2,387 |
| Loan loss allowance to noncurrent loans | 74.3789% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.8045% | 308 |
| Noncurrent loans to loans | 1.7644% | 670 |
| Net loans and leases to total assets | 91.4880% | 15 |
| Net loans and leases to deposits | 141.4484% | 27 |
| Net loans and leases to core deposits | 236.9078% | 27 |
| Total domestic deposits to total assets | 64.6794% | 4,854 |
| Equity capital to assets | 10.2627% | 2,467 |
| Core capital (leverage) ratio | 10.3068% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2823% | 756 |
| Memoranda: | ||
| Average total assets | $2,974,094,000 | 375 |
| Average earning assets | $2,886,551,500 | 353 |
| Average equity | $298,034,000 | 393 |
| Average total loans | $2,751,415,000 | 288 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6451% | 30 |
| Cost of funding earning assets | 1.8798% | 17 |
| Net interest margin | 5.7653% | 53 |
| Noninterest income to average assets | 0.1404% | 4,591 |
| Noninterest expense to average assets | 1.6918% | 4,630 |
| Loan and lease loss provision to assets | 0.3438% | 1,015 |
| Net operating income to assets | 2.9290% | 100 |
| Return on assets (ROA) | 2.9368% | 100 |
| Pretax return on assets | 3.7108% | 78 |
| Return on Equity (ROE) | 31.1353% | 62 |
| Retained earnings to average equity (ytd only) | 23.5569% | 44 |
| Net charge-offs to loans | 0.0197% | 2,675 |
| Credit loss provision to net charge-offs | 1,883.3333% | 461 |
| Earnings coverage of net charge-offs (x) | 221.5643% | 437 |
| Efficiency ratio | 29.4918% | 4,961 |
| Assets per employee ($millions) | 8.8493% | 780 |
| Cash dividends to net income (ytd only)* | 24.3400% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,416 |
| Loan loss allowance to noncurrent loans | 70.3613% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.9114% | 308 |
| Noncurrent loans to loans | 1.8463% | 664 |
| Net loans and leases to total assets | 91.1191% | 17 |
| Net loans and leases to deposits | 140.1023% | 25 |
| Net loans and leases to core deposits | 235.4134% | 31 |
| Total domestic deposits to total assets | 65.0375% | 4,863 |
| Equity capital to assets | 9.7763% | 3,340 |
| Core capital (leverage) ratio | 10.0843% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4693% | 840 |
| Memoranda: | ||
| Average total assets | $2,727,971,800 | 374 |
| Average earning assets | $2,647,945,600 | 351 |
| Average equity | $257,312,800 | 411 |
| Average total loans | $2,522,464,800 | 297 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6336% | 30 |
| Cost of funding earning assets | 1.9953% | 15 |
| Net interest margin | 5.6382% | 64 |
| Noninterest income to average assets | 0.1394% | 4,604 |
| Noninterest expense to average assets | 1.7023% | 4,625 |
| Loan and lease loss provision to assets | 0.3792% | 968 |
| Net operating income to assets | 2.7968% | 108 |
| Return on assets (ROA) | 2.8079% | 113 |
| Pretax return on assets | 3.5460% | 88 |
| Return on Equity (ROE) | 30.0723% | 65 |
| Retained earnings to average equity (ytd only) | 23.9244% | 56 |
| Net charge-offs to loans | 0.0214% | 2,429 |
| Credit loss provision to net charge-offs | 1,918.4343% | 491 |
| Earnings coverage of net charge-offs (x) | 197.8662% | 496 |
| Efficiency ratio | 30.3245% | 4,990 |
| Assets per employee ($millions) | 8.6151% | 806 |
| Cash dividends to net income (ytd only)* | 20.4437% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,204 |
| Loan loss allowance to noncurrent loans | 68.6998% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.9355% | 355 |
| Noncurrent loans to loans | 1.8756% | 680 |
| Net loans and leases to total assets | 91.5460% | 21 |
| Net loans and leases to deposits | 140.6344% | 37 |
| Net loans and leases to core deposits | 234.0132% | 28 |
| Total domestic deposits to total assets | 65.0951% | 4,870 |
| Equity capital to assets | 9.6558% | 3,549 |
| Core capital (leverage) ratio | 9.8577% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9207% | 925 |
| Memoranda: | ||
| Average total assets | $2,671,045,000 | 367 |
| Average earning assets | $2,593,306,500 | 350 |
| Average equity | $249,401,750 | 411 |
| Average total loans | $2,470,922,000 | 296 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5485% | 41 |
| Cost of funding earning assets | 2.1060% | 13 |
| Net interest margin | 5.4425% | 95 |
| Noninterest income to average assets | 0.1592% | 4,497 |
| Noninterest expense to average assets | 1.7491% | 4,628 |
| Loan and lease loss provision to assets | 0.4006% | 1,007 |
| Net operating income to assets | 2.6017% | 121 |
| Return on assets (ROA) | 2.6186% | 127 |
| Pretax return on assets | 3.3147% | 85 |
| Return on Equity (ROE) | 28.3932% | 74 |
| Retained earnings to average equity (ytd only) | 23.0121% | 64 |
| Net charge-offs to loans | 0.0092% | 2,614 |
| Credit loss provision to net charge-offs | 4,727.0270% | 246 |
| Earnings coverage of net charge-offs (x) | 435.8559% | 228 |
| Efficiency ratio | 32.1344% | 5,006 |
| Assets per employee ($millions) | 8.2399% | 890 |
| Cash dividends to net income (ytd only)* | 18.9521% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 2,216 |
| Loan loss allowance to noncurrent loans | 63.3844% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.0682% | 330 |
| Noncurrent loans to loans | 1.9840% | 687 |
| Net loans and leases to total assets | 91.5444% | 14 |
| Net loans and leases to deposits | 142.9837% | 32 |
| Net loans and leases to core deposits | 235.6960% | 27 |
| Total domestic deposits to total assets | 64.0243% | 4,916 |
| Equity capital to assets | 9.4005% | 3,743 |
| Core capital (leverage) ratio | 9.3768% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3220% | 1,001 |
| Memoranda: | ||
| Average total assets | $2,619,476,000 | 367 |
| Average earning assets | $2,543,041,667 | 350 |
| Average equity | $241,586,333 | 417 |
| Average total loans | $2,421,018,667 | 298 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5014% | 50 |
| Cost of funding earning assets | 2.1257% | 18 |
| Net interest margin | 5.3757% | 109 |
| Noninterest income to average assets | 0.2134% | 4,270 |
| Noninterest expense to average assets | 1.8888% | 4,558 |
| Loan and lease loss provision to assets | 0.3770% | 818 |
| Net operating income to assets | 2.5020% | 110 |
| Return on assets (ROA) | 2.5285% | 111 |
| Pretax return on assets | 3.2006% | 70 |
| Return on Equity (ROE) | 27.6982% | 42 |
| Retained earnings to average equity (ytd only) | 23.4351% | 39 |
| Net charge-offs to loans | 0.0008% | 2,571 |
| Credit loss provision to net charge-offs | 48,440.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 4,553.6000% | 3 |
| Efficiency ratio | 34.7659% | 5,039 |
| Assets per employee ($millions) | 8.3110% | 660 |
| Cash dividends to net income (ytd only)* | 15.3912% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,714 |
| Loan loss allowance to noncurrent loans | 58.7676% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 2.1350% | 359 |
| Noncurrent loans to loans | 2.0275% | 698 |
| Net loans and leases to total assets | 90.6560% | 24 |
| Net loans and leases to deposits | 141.2532% | 19 |
| Net loans and leases to core deposits | 239.6945% | 26 |
| Total domestic deposits to total assets | 64.1798% | 4,990 |
| Equity capital to assets | 9.0879% | 4,544 |
| Core capital (leverage) ratio | 9.4108% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7906% | 1,173 |
| Memoranda: | ||
| Average total assets | $2,569,623,000 | 361 |
| Average earning assets | $2,495,004,500 | 338 |
| Average equity | $234,571,000 | 432 |
| Average total loans | $2,371,047,500 | 300 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8474% | 48 |
| Cost of funding earning assets | 2.2538% | 17 |
| Net interest margin | 5.5936% | 103 |
| Noninterest income to average assets | 0.1996% | 4,463 |
| Noninterest expense to average assets | 2.0829% | 4,391 |
| Loan and lease loss provision to assets | 0.3322% | 477 |
| Net operating income to assets | 2.5236% | 130 |
| Return on assets (ROA) | 2.5380% | 133 |
| Pretax return on assets | 3.2322% | 87 |
| Return on Equity (ROE) | 28.2185% | 48 |
| Retained earnings to average equity (ytd only) | 25.3714% | 19 |
| Net charge-offs to loans | 0.0499% | 2,398 |
| Credit loss provision to net charge-offs | 719.9798% | 442 |
| Earnings coverage of net charge-offs (x) | 76.8587% | 817 |
| Efficiency ratio | 37.0031% | 5,100 |
| Assets per employee ($millions) | 7.7751% | 772 |
| Cash dividends to net income (ytd only)* | 10.0893% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 2,694 |
| Loan loss allowance to noncurrent loans | 65.2287% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.9320% | 415 |
| Noncurrent loans to loans | 1.7634% | 772 |
| Net loans and leases to total assets | 91.7617% | 20 |
| Net loans and leases to deposits | 141.7714% | 16 |
| Net loans and leases to core deposits | 244.5519% | 27 |
| Total domestic deposits to total assets | 64.7251% | 5,041 |
| Equity capital to assets | 9.1720% | 4,593 |
| Core capital (leverage) ratio | 9.4415% | 4,122 |
| Tier 1 risk-based capital ratio | 16.3058% | 2,292 |
| Total risk-based capital ratio | 17.5638% | 2,234 |
| Memoranda: | ||
| Average total assets | $2,147,898,200 | 403 |
| Average earning assets | $2,084,843,000 | 378 |
| Average equity | $193,182,000 | 488 |
| Average total loans | $1,984,229,400 | 326 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8366% | 47 |
| Cost of funding earning assets | 2.2605% | 18 |
| Net interest margin | 5.5761% | 109 |
| Noninterest income to average assets | 0.1777% | 4,654 |
| Noninterest expense to average assets | 2.1346% | 4,302 |
| Loan and lease loss provision to assets | 0.3190% | 444 |
| Net operating income to assets | 2.4589% | 174 |
| Return on assets (ROA) | 2.4799% | 176 |
| Pretax return on assets | 3.1628% | 98 |
| Return on Equity (ROE) | 27.7386% | 54 |
| Retained earnings to average equity (ytd only) | 25.9312% | 22 |
| Net charge-offs to loans | 0.0524% | 2,083 |
| Credit loss provision to net charge-offs | 659.7594% | 508 |
| Earnings coverage of net charge-offs (x) | 71.4691% | 935 |
| Efficiency ratio | 38.1870% | 5,152 |
| Assets per employee ($millions) | 7.2322% | 938 |
| Cash dividends to net income (ytd only)* | 6.5157% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 2,796 |
| Loan loss allowance to noncurrent loans | 61.9993% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.9075% | 485 |
| Noncurrent loans to loans | 1.8478% | 764 |
| Net loans and leases to total assets | 90.9066% | 29 |
| Net loans and leases to deposits | 143.8344% | 20 |
| Net loans and leases to core deposits | 257.8648% | 27 |
| Total domestic deposits to total assets | 63.2023% | 5,137 |
| Equity capital to assets | 9.0836% | 4,737 |
| Core capital (leverage) ratio | 9.4923% | 4,172 |
| Tier 1 risk-based capital ratio | 16.2458% | 2,352 |
| Total risk-based capital ratio | 17.5038% | 2,277 |
| Memoranda: | ||
| Average total assets | $2,062,864,500 | 416 |
| Average earning assets | $2,002,201,500 | 391 |
| Average equity | $184,427,000 | 505 |
| Average total loans | $1,902,879,750 | 339 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7828% | 51 |
| Cost of funding earning assets | 2.2196% | 19 |
| Net interest margin | 5.5633% | 113 |
| Noninterest income to average assets | 0.1967% | 4,579 |
| Noninterest expense to average assets | 2.2524% | 4,117 |
| Loan and lease loss provision to assets | 0.2987% | 466 |
| Net operating income to assets | 2.4053% | 174 |
| Return on assets (ROA) | 2.4208% | 174 |
| Pretax return on assets | 3.0643% | 112 |
| Return on Equity (ROE) | 27.2498% | 63 |
| Retained earnings to average equity (ytd only) | 27.2498% | 18 |
| Net charge-offs to loans | 0.0469% | 1,978 |
| Credit loss provision to net charge-offs | 689.6956% | 469 |
| Earnings coverage of net charge-offs (x) | 77.1944% | 837 |
| Efficiency ratio | 40.2527% | 5,156 |
| Assets per employee ($millions) | 6.9431% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 2,779 |
| Loan loss allowance to noncurrent loans | 56.7159% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 2.0735% | 432 |
| Noncurrent loans to loans | 2.0301% | 692 |
| Net loans and leases to total assets | 91.2092% | 33 |
| Net loans and leases to deposits | 144.2904% | 21 |
| Net loans and leases to core deposits | 277.9468% | 24 |
| Total domestic deposits to total assets | 63.2123% | 5,179 |
| Equity capital to assets | 9.2723% | 4,596 |
| Core capital (leverage) ratio | 9.7723% | 3,854 |
| Tier 1 risk-based capital ratio | 16.0476% | 2,392 |
| Total risk-based capital ratio | 17.3049% | 2,332 |
| Memoranda: | ||
| Average total assets | $1,971,823,000 | 433 |
| Average earning assets | $1,913,627,670 | 412 |
| Average equity | $175,171,670 | 528 |
| Average total loans | $1,821,113,670 | 353 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7616% | 53 |
| Cost of funding earning assets | 2.1863% | 20 |
| Net interest margin | 5.5753% | 104 |
| Noninterest income to average assets | 0.1629% | 4,764 |
| Noninterest expense to average assets | 2.2621% | 4,118 |
| Loan and lease loss provision to assets | 0.3003% | 427 |
| Net operating income to assets | 2.3796% | 199 |
| Return on assets (ROA) | 2.3986% | 204 |
| Pretax return on assets | 3.0363% | 122 |
| Return on Equity (ROE) | 27.6965% | 66 |
| Retained earnings to average equity (ytd only) | 27.6965% | 34 |
| Net charge-offs to loans | 0.0712% | 1,347 |
| Credit loss provision to net charge-offs | 456.3107% | 643 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 1,020 |
| Efficiency ratio | 40.5784% | 5,197 |
| Assets per employee ($millions) | 6.3356% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,691 |
| Loan loss allowance to noncurrent loans | 50.5253% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.4031% | 335 |
| Noncurrent loans to loans | 2.3350% | 579 |
| Net loans and leases to total assets | 91.3536% | 26 |
| Net loans and leases to deposits | 142.6700% | 21 |
| Net loans and leases to core deposits | 293.8190% | 25 |
| Total domestic deposits to total assets | 64.0314% | 5,240 |
| Equity capital to assets | 8.6100% | 4,919 |
| Core capital (leverage) ratio | 8.9984% | 4,657 |
| Tier 1 risk-based capital ratio | 14.6381% | 3,042 |
| Total risk-based capital ratio | 15.8956% | 2,960 |
| Memoranda: | ||
| Average total assets | $1,878,083,000 | 457 |
| Average earning assets | $1,822,970,500 | 432 |
| Average equity | $162,649,000 | 562 |
| Average total loans | $1,735,458,000 | 373 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9194% | 44 |
| Cost of funding earning assets | 1.8617% | 19 |
| Net interest margin | 6.0577% | 69 |
| Noninterest income to average assets | 0.2438% | 4,461 |
| Noninterest expense to average assets | 2.6874% | 3,068 |
| Loan and lease loss provision to assets | 0.3644% | 405 |
| Net operating income to assets | 2.4537% | 163 |
| Return on assets (ROA) | 2.4539% | 161 |
| Pretax return on assets | 3.0596% | 91 |
| Return on Equity (ROE) | 27.3711% | 58 |
| Retained earnings to average equity (ytd only) | 22.0591% | 26 |
| Net charge-offs to loans | 0.0749% | 2,046 |
| Credit loss provision to net charge-offs | 528.8479% | 661 |
| Earnings coverage of net charge-offs (x) | 49.6940% | 1,141 |
| Efficiency ratio | 43.9761% | 5,179 |
| Assets per employee ($millions) | 5.9749% | 1,537 |
| Cash dividends to net income (ytd only)* | 19.4074% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,472 |
| Loan loss allowance to noncurrent loans | 47.6976% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 2.6286% | 273 |
| Noncurrent loans to loans | 2.5558% | 468 |
| Net loans and leases to total assets | 91.2381% | 37 |
| Net loans and leases to deposits | 145.0320% | 17 |
| Net loans and leases to core deposits | 302.2791% | 23 |
| Total domestic deposits to total assets | 62.9090% | 5,293 |
| Equity capital to assets | 8.7152% | 4,788 |
| Core capital (leverage) ratio | 9.1639% | 4,492 |
| Tier 1 risk-based capital ratio | 14.8994% | 2,880 |
| Total risk-based capital ratio | 16.1577% | 2,807 |
| Memoranda: | ||
| Average total assets | $1,574,842,400 | 523 |
| Average earning assets | $1,525,355,400 | 490 |
| Average equity | $141,189,000 | 617 |
| Average total loans | $1,447,944,200 | 413 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0242% | 41 |
| Cost of funding earning assets | 1.7925% | 18 |
| Net interest margin | 6.2318% | 63 |
| Noninterest income to average assets | 0.2382% | 4,546 |
| Noninterest expense to average assets | 2.4995% | 3,604 |
| Loan and lease loss provision to assets | 0.3423% | 400 |
| Net operating income to assets | 2.7148% | 114 |
| Return on assets (ROA) | 2.7148% | 114 |
| Pretax return on assets | 3.4299% | 80 |
| Return on Equity (ROE) | 30.0334% | 38 |
| Retained earnings to average equity (ytd only) | 22.7504% | 39 |
| Net charge-offs to loans | 0.0829% | 1,692 |
| Credit loss provision to net charge-offs | 449.8270% | 761 |
| Earnings coverage of net charge-offs (x) | 49.5675% | 1,181 |
| Efficiency ratio | 39.8530% | 5,337 |
| Assets per employee ($millions) | 5.5551% | 1,866 |
| Cash dividends to net income (ytd only)* | 24.2499% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,529 |
| Loan loss allowance to noncurrent loans | 42.9857% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 2.8508% | 272 |
| Noncurrent loans to loans | 2.8314% | 410 |
| Net loans and leases to total assets | 91.3401% | 38 |
| Net loans and leases to deposits | 138.8335% | 26 |
| Net loans and leases to core deposits | 281.7289% | 24 |
| Total domestic deposits to total assets | 65.7911% | 5,325 |
| Equity capital to assets | 8.9984% | 4,554 |
| Core capital (leverage) ratio | 9.3205% | 4,374 |
| Tier 1 risk-based capital ratio | 15.1178% | 2,833 |
| Total risk-based capital ratio | 16.3757% | 2,751 |
| Memoranda: | ||
| Average total assets | $1,518,938,250 | 533 |
| Average earning assets | $1,470,625,250 | 505 |
| Average equity | $137,301,250 | 625 |
| Average total loans | $1,394,647,750 | 423 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0502% | 40 |
| Cost of funding earning assets | 1.7212% | 16 |
| Net interest margin | 6.3290% | 59 |
| Noninterest income to average assets | 0.2844% | 4,278 |
| Noninterest expense to average assets | 2.5528% | 3,468 |
| Loan and lease loss provision to assets | 0.3502% | 372 |
| Net operating income to assets | 2.7666% | 102 |
| Return on assets (ROA) | 2.7666% | 101 |
| Pretax return on assets | 3.5020% | 78 |
| Return on Equity (ROE) | 30.5544% | 38 |
| Retained earnings to average equity (ytd only) | 23.0590% | 37 |
| Net charge-offs to loans | 0.0864% | 1,472 |
| Credit loss provision to net charge-offs | 442.5386% | 769 |
| Earnings coverage of net charge-offs (x) | 48.6792% | 1,145 |
| Efficiency ratio | 39.8563% | 5,403 |
| Assets per employee ($millions) | 5.0598% | 2,339 |
| Cash dividends to net income (ytd only)* | 24.5314% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,600 |
| Loan loss allowance to noncurrent loans | 41.1642% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 3.0056% | 247 |
| Noncurrent loans to loans | 2.9641% | 385 |
| Net loans and leases to total assets | 90.5161% | 61 |
| Net loans and leases to deposits | 136.2092% | 24 |
| Net loans and leases to core deposits | 275.4191% | 24 |
| Total domestic deposits to total assets | 66.4537% | 5,378 |
| Equity capital to assets | 8.9577% | 4,597 |
| Core capital (leverage) ratio | 9.3463% | 4,306 |
| Tier 1 risk-based capital ratio | 14.9399% | 2,901 |
| Total risk-based capital ratio | 16.1975% | 2,821 |
| Memoranda: | ||
| Average total assets | $1,473,441,670 | 543 |
| Average earning assets | $1,424,933,670 | 520 |
| Average equity | $133,414,330 | 640 |
| Average total loans | $1,349,297,000 | 429 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0309% | 36 |
| Cost of funding earning assets | 1.6312% | 18 |
| Net interest margin | 6.3997% | 49 |
| Noninterest income to average assets | 0.3347% | 3,916 |
| Noninterest expense to average assets | 2.6248% | 3,261 |
| Loan and lease loss provision to assets | 0.3878% | 296 |
| Net operating income to assets | 2.7656% | 96 |
| Return on assets (ROA) | 2.7656% | 96 |
| Pretax return on assets | 3.5007% | 75 |
| Return on Equity (ROE) | 30.3634% | 40 |
| Retained earnings to average equity (ytd only) | 22.6499% | 68 |
| Net charge-offs to loans | 0.0952% | 1,224 |
| Credit loss provision to net charge-offs | 445.1613% | 643 |
| Earnings coverage of net charge-offs (x) | 44.6355% | 999 |
| Efficiency ratio | 40.2986% | 5,452 |
| Assets per employee ($millions) | 5.0238% | 2,463 |
| Cash dividends to net income (ytd only)* | 25.4039% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,631 |
| Loan loss allowance to noncurrent loans | 38.3141% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 3.2263% | 232 |
| Noncurrent loans to loans | 3.2106% | 351 |
| Net loans and leases to total assets | 90.2997% | 58 |
| Net loans and leases to deposits | 131.8126% | 31 |
| Net loans and leases to core deposits | 273.9050% | 27 |
| Total domestic deposits to total assets | 68.5061% | 5,404 |
| Equity capital to assets | 8.9811% | 4,577 |
| Core capital (leverage) ratio | 9.5367% | 4,027 |
| Tier 1 risk-based capital ratio | 14.7441% | 3,008 |
| Total risk-based capital ratio | 16.0015% | 2,924 |
| Memoranda: | ||
| Average total assets | $1,423,369,000 | 564 |
| Average earning assets | $1,374,186,500 | 537 |
| Average equity | $129,643,000 | 660 |
| Average total loans | $1,302,974,000 | 449 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4535% | 32 |
| Cost of funding earning assets | 1.5851% | 17 |
| Net interest margin | 6.8684% | 45 |
| Noninterest income to average assets | 0.2863% | 4,416 |
| Noninterest expense to average assets | 2.9178% | 2,391 |
| Loan and lease loss provision to assets | 0.1902% | 1,106 |
| Net operating income to assets | 2.2393% | 183 |
| Return on assets (ROA) | 2.2289% | 184 |
| Pretax return on assets | 3.7694% | 67 |
| Return on Equity (ROE) | 23.6165% | 86 |
| Retained earnings to average equity (ytd only) | 18.4938% | 48 |
| Net charge-offs to loans | 0.0920% | 2,161 |
| Credit loss provision to net charge-offs | 226.2704% | 1,222 |
| Earnings coverage of net charge-offs (x) | 47.3087% | 1,133 |
| Efficiency ratio | 42.3253% | 5,489 |
| Assets per employee ($millions) | 4.5040% | 3,177 |
| Cash dividends to net income (ytd only)* | 21.6912% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,491 |
| Loan loss allowance to noncurrent loans | 37.9692% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 3.2920% | 224 |
| Noncurrent loans to loans | 3.2836% | 317 |
| Net loans and leases to total assets | 90.5260% | 59 |
| Net loans and leases to deposits | 124.3681% | 74 |
| Net loans and leases to core deposits | 255.6788% | 30 |
| Total domestic deposits to total assets | 72.7887% | 5,277 |
| Equity capital to assets | 9.2462% | 4,478 |
| Core capital (leverage) ratio | 9.6596% | 3,859 |
| Tier 1 risk-based capital ratio | 15.1109% | 2,790 |
| Total risk-based capital ratio | 16.3686% | 2,723 |
| Memoranda: | ||
| Average total assets | $1,241,033,400 | 614 |
| Average earning assets | $1,193,888,000 | 589 |
| Average equity | $117,125,800 | 700 |
| Average total loans | $1,133,356,600 | 479 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5566% | 29 |
| Cost of funding earning assets | 1.5802% | 15 |
| Net interest margin | 6.9764% | 39 |
| Noninterest income to average assets | 0.3287% | 4,187 |
| Noninterest expense to average assets | 2.8059% | 2,703 |
| Loan and lease loss provision to assets | 0.1680% | 1,204 |
| Net operating income to assets | 2.6430% | 109 |
| Return on assets (ROA) | 2.6284% | 113 |
| Pretax return on assets | 4.0363% | 71 |
| Return on Equity (ROE) | 27.6918% | 42 |
| Retained earnings to average equity (ytd only) | 24.2095% | 30 |
| Net charge-offs to loans | 0.0964% | 1,817 |
| Credit loss provision to net charge-offs | 191.1028% | 1,390 |
| Earnings coverage of net charge-offs (x) | 48.0728% | 1,143 |
| Efficiency ratio | 39.8988% | 5,582 |
| Assets per employee ($millions) | 4.3754% | 3,347 |
| Cash dividends to net income (ytd only)* | 12.5755% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,419 |
| Loan loss allowance to noncurrent loans | 38.5744% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 3.4218% | 235 |
| Noncurrent loans to loans | 3.3384% | 346 |
| Net loans and leases to total assets | 90.0372% | 81 |
| Net loans and leases to deposits | 118.7399% | 116 |
| Net loans and leases to core deposits | 246.3607% | 34 |
| Total domestic deposits to total assets | 75.8272% | 5,038 |
| Equity capital to assets | 9.8224% | 4,120 |
| Core capital (leverage) ratio | 10.0820% | 3,465 |
| Tier 1 risk-based capital ratio | 15.7686% | 2,603 |
| Total risk-based capital ratio | 17.0276% | 2,536 |
| Memoranda: | ||
| Average total assets | $1,210,114,250 | 625 |
| Average earning assets | $1,162,862,500 | 603 |
| Average equity | $114,861,250 | 713 |
| Average total loans | $1,103,942,250 | 491 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6114% | 32 |
| Cost of funding earning assets | 1.5574% | 14 |
| Net interest margin | 7.0540% | 40 |
| Noninterest income to average assets | 0.3498% | 4,053 |
| Noninterest expense to average assets | 2.7930% | 2,789 |
| Loan and lease loss provision to assets | 0.1751% | 1,098 |
| Net operating income to assets | 2.7012% | 103 |
| Return on assets (ROA) | 2.6771% | 106 |
| Pretax return on assets | 4.1187% | 70 |
| Return on Equity (ROE) | 28.5616% | 43 |
| Retained earnings to average equity (ytd only) | 25.8666% | 29 |
| Net charge-offs to loans | 0.1048% | 1,583 |
| Credit loss provision to net charge-offs | 183.0986% | 1,348 |
| Earnings coverage of net charge-offs (x) | 45.2764% | 1,156 |
| Efficiency ratio | 39.2062% | 5,643 |
| Assets per employee ($millions) | 4.4045% | 3,265 |
| Cash dividends to net income (ytd only)* | 9.4357% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 2,397 |
| Loan loss allowance to noncurrent loans | 38.9153% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 3.5164% | 227 |
| Noncurrent loans to loans | 3.3477% | 359 |
| Net loans and leases to total assets | 90.2995% | 73 |
| Net loans and leases to deposits | 116.3595% | 148 |
| Net loans and leases to core deposits | 245.5228% | 33 |
| Total domestic deposits to total assets | 77.6039% | 4,880 |
| Equity capital to assets | 9.6203% | 4,294 |
| Core capital (leverage) ratio | 9.7490% | 3,837 |
| Tier 1 risk-based capital ratio | 15.1033% | 2,884 |
| Total risk-based capital ratio | 16.3619% | 2,814 |
| Memoranda: | ||
| Average total assets | $1,187,611,000 | 633 |
| Average earning assets | $1,140,488,000 | 613 |
| Average equity | $111,317,330 | 743 |
| Average total loans | $1,083,475,000 | 498 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2851% | 34 |
| Cost of funding earning assets | 1.5053% | 18 |
| Net interest margin | 6.7798% | 43 |
| Noninterest income to average assets | 0.3788% | 3,816 |
| Noninterest expense to average assets | 2.7896% | 2,829 |
| Loan and lease loss provision to assets | 0.2481% | 606 |
| Net operating income to assets | 2.5044% | 133 |
| Return on assets (ROA) | 2.4552% | 148 |
| Pretax return on assets | 3.7771% | 90 |
| Return on Equity (ROE) | 26.5666% | 67 |
| Retained earnings to average equity (ytd only) | 20.9823% | 94 |
| Net charge-offs to loans | 0.1258% | 1,167 |
| Credit loss provision to net charge-offs | 216.5165% | 963 |
| Earnings coverage of net charge-offs (x) | 35.7928% | 1,112 |
| Efficiency ratio | 40.4853% | 5,683 |
| Assets per employee ($millions) | 4.4255% | 3,287 |
| Cash dividends to net income (ytd only)* | 21.0202% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 2,351 |
| Loan loss allowance to noncurrent loans | 41.5842% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 3.3737% | 258 |
| Noncurrent loans to loans | 3.2140% | 397 |
| Net loans and leases to total assets | 89.9532% | 57 |
| Net loans and leases to deposits | 116.2077% | 119 |
| Net loans and leases to core deposits | 248.3247% | 31 |
| Total domestic deposits to total assets | 77.4073% | 5,055 |
| Equity capital to assets | 9.1599% | 4,657 |
| Core capital (leverage) ratio | 9.4942% | 4,128 |
| Tier 1 risk-based capital ratio | 13.9542% | 3,511 |
| Total risk-based capital ratio | 15.2119% | 3,414 |
| Memoranda: | ||
| Average total assets | $1,162,590,500 | 643 |
| Average earning assets | $1,116,610,500 | 624 |
| Average equity | $107,443,000 | 763 |
| Average total loans | $1,059,040,000 | 506 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6794% | 32 |
| Cost of funding earning assets | 1.5690% | 10 |
| Net interest margin | 7.1104% | 41 |
| Noninterest income to average assets | 0.3936% | 3,940 |
| Noninterest expense to average assets | 3.0840% | 2,083 |
| Loan and lease loss provision to assets | 0.4117% | 372 |
| Net operating income to assets | 2.4200% | 162 |
| Return on assets (ROA) | 2.4208% | 163 |
| Pretax return on assets | 3.7183% | 77 |
| Return on Equity (ROE) | 24.6963% | 82 |
| Retained earnings to average equity (ytd only) | 19.9365% | 49 |
| Net charge-offs to loans | 0.1053% | 2,214 |
| Credit loss provision to net charge-offs | 430.2275% | 745 |
| Earnings coverage of net charge-offs (x) | 43.1452% | 1,117 |
| Efficiency ratio | 42.7567% | 5,731 |
| Assets per employee ($millions) | 4.3132% | 3,419 |
| Cash dividends to net income (ytd only)* | 19.2736% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 2,083 |
| Loan loss allowance to noncurrent loans | 38.4284% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 3.7356% | 215 |
| Noncurrent loans to loans | 3.6410% | 319 |
| Net loans and leases to total assets | 89.7353% | 75 |
| Net loans and leases to deposits | 121.7155% | 77 |
| Net loans and leases to core deposits | 247.8620% | 31 |
| Total domestic deposits to total assets | 73.7255% | 5,458 |
| Equity capital to assets | 9.3294% | 4,441 |
| Core capital (leverage) ratio | 9.6831% | 3,876 |
| Tier 1 risk-based capital ratio | 14.2796% | 3,295 |
| Total risk-based capital ratio | 15.5383% | 3,221 |
| Memoranda: | ||
| Average total assets | $964,490,200 | 750 |
| Average earning assets | $925,005,400 | 716 |
| Average equity | $94,540,400 | 846 |
| Average total loans | $876,188,800 | 579 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5738% | 32 |
| Cost of funding earning assets | 1.6149% | 10 |
| Net interest margin | 6.9589% | 41 |
| Noninterest income to average assets | 0.3976% | 3,939 |
| Noninterest expense to average assets | 3.0637% | 2,114 |
| Loan and lease loss provision to assets | 0.3365% | 485 |
| Net operating income to assets | 2.3916% | 188 |
| Return on assets (ROA) | 2.3916% | 193 |
| Pretax return on assets | 3.6695% | 88 |
| Return on Equity (ROE) | 24.0479% | 98 |
| Retained earnings to average equity (ytd only) | 18.9767% | 68 |
| Net charge-offs to loans | 0.1178% | 1,771 |
| Credit loss provision to net charge-offs | 314.6900% | 995 |
| Earnings coverage of net charge-offs (x) | 37.4663% | 1,291 |
| Efficiency ratio | 43.3358% | 5,760 |
| Assets per employee ($millions) | 4.1934% | 3,602 |
| Cash dividends to net income (ytd only)* | 21.0881% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 2,486 |
| Loan loss allowance to noncurrent loans | 36.2135% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 3.8672% | 223 |
| Noncurrent loans to loans | 3.7006% | 329 |
| Net loans and leases to total assets | 90.0636% | 65 |
| Net loans and leases to deposits | 118.2730% | 129 |
| Net loans and leases to core deposits | 233.2391% | 35 |
| Total domestic deposits to total assets | 76.1489% | 5,219 |
| Equity capital to assets | 9.4457% | 4,718 |
| Core capital (leverage) ratio | 10.1211% | 3,412 |
| Tier 1 risk-based capital ratio | 14.0786% | 3,522 |
| Total risk-based capital ratio | 15.3371% | 3,438 |
| Memoranda: | ||
| Average total assets | $925,253,000 | 777 |
| Average earning assets | $887,130,750 | 744 |
| Average equity | $92,019,500 | 875 |
| Average total loans | $840,084,250 | 597 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5351% | 32 |
| Cost of funding earning assets | 1.5469% | 12 |
| Net interest margin | 6.9882% | 40 |
| Noninterest income to average assets | 0.4320% | 3,651 |
| Noninterest expense to average assets | 3.1865% | 1,842 |
| Loan and lease loss provision to assets | 0.3042% | 585 |
| Net operating income to assets | 2.3738% | 180 |
| Return on assets (ROA) | 2.3738% | 190 |
| Pretax return on assets | 3.6364% | 86 |
| Return on Equity (ROE) | 23.4042% | 120 |
| Retained earnings to average equity (ytd only) | 17.8291% | 85 |
| Net charge-offs to loans | 0.1136% | 1,691 |
| Credit loss provision to net charge-offs | 295.6044% | 976 |
| Earnings coverage of net charge-offs (x) | 38.2901% | 1,185 |
| Efficiency ratio | 44.7096% | 5,801 |
| Assets per employee ($millions) | 3.6168% | 4,571 |
| Cash dividends to net income (ytd only)* | 23.8209% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 2,183 |
| Loan loss allowance to noncurrent loans | 33.1746% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 4.5053% | 175 |
| Noncurrent loans to loans | 4.2988% | 254 |
| Net loans and leases to total assets | 90.1431% | 65 |
| Net loans and leases to deposits | 110.8349% | 232 |
| Net loans and leases to core deposits | 211.5397% | 43 |
| Total domestic deposits to total assets | 81.3310% | 4,176 |
| Equity capital to assets | 10.1067% | 4,084 |
| Core capital (leverage) ratio | 10.1058% | 3,442 |
| Tier 1 risk-based capital ratio | 15.1165% | 3,025 |
| Total risk-based capital ratio | 16.3771% | 2,950 |
| Memoranda: | ||
| Average total assets | $884,220,670 | 820 |
| Average earning assets | $847,138,330 | 776 |
| Average equity | $89,684,670 | 897 |
| Average total loans | $801,110,000 | 624 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3927% | 35 |
| Cost of funding earning assets | 1.5325% | 15 |
| Net interest margin | 6.8602% | 43 |
| Noninterest income to average assets | 0.5186% | 3,000 |
| Noninterest expense to average assets | 3.2601% | 1,692 |
| Loan and lease loss provision to assets | 0.2623% | 650 |
| Net operating income to assets | 2.3371% | 194 |
| Return on assets (ROA) | 2.3371% | 205 |
| Pretax return on assets | 3.5637% | 90 |
| Return on Equity (ROE) | 22.9980% | 125 |
| Retained earnings to average equity (ytd only) | 16.1452% | 189 |
| Net charge-offs to loans | 0.1334% | 1,305 |
| Credit loss provision to net charge-offs | 218.1467% | 1,025 |
| Earnings coverage of net charge-offs (x) | 31.8185% | 1,149 |
| Efficiency ratio | 46.0067% | 5,813 |
| Assets per employee ($millions) | 3.5876% | 4,673 |
| Cash dividends to net income (ytd only)* | 29.7974% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 2,358 |
| Loan loss allowance to noncurrent loans | 33.1523% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 4.5087% | 199 |
| Noncurrent loans to loans | 4.2693% | 269 |
| Net loans and leases to total assets | 89.2470% | 78 |
| Net loans and leases to deposits | 112.0430% | 183 |
| Net loans and leases to core deposits | 219.4509% | 37 |
| Total domestic deposits to total assets | 79.6542% | 4,827 |
| Equity capital to assets | 9.9256% | 4,180 |
| Core capital (leverage) ratio | 10.5615% | 2,897 |
| Tier 1 risk-based capital ratio | 14.9179% | 3,197 |
| Total risk-based capital ratio | 16.1778% | 3,128 |
| Memoranda: | ||
| Average total assets | $861,574,500 | 848 |
| Average earning assets | $824,816,500 | 806 |
| Average equity | $87,555,500 | 912 |
| Average total loans | $776,658,000 | 643 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6371% | 32 |
| Cost of funding earning assets | 1.5448% | 13 |
| Net interest margin | 7.0923% | 43 |
| Noninterest income to average assets | 0.7144% | 2,131 |
| Noninterest expense to average assets | 3.4423% | 1,403 |
| Loan and lease loss provision to assets | 0.2681% | 687 |
| Net operating income to assets | 2.4497% | 162 |
| Return on assets (ROA) | 2.4497% | 166 |
| Pretax return on assets | 3.7728% | 81 |
| Return on Equity (ROE) | 23.3697% | 126 |
| Retained earnings to average equity (ytd only) | 13.8719% | 168 |
| Net charge-offs to loans | 0.2136% | 1,377 |
| Credit loss provision to net charge-offs | 141.5557% | 1,856 |
| Earnings coverage of net charge-offs (x) | 21.3322% | 1,819 |
| Efficiency ratio | 45.9998% | 5,924 |
| Assets per employee ($millions) | 3.4859% | 4,856 |
| Cash dividends to net income (ytd only)* | 40.6416% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 1,893 |
| Loan loss allowance to noncurrent loans | 36.5518% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 4.5075% | 211 |
| Noncurrent loans to loans | 4.1631% | 280 |
| Net loans and leases to total assets | 88.3581% | 111 |
| Net loans and leases to deposits | 107.7756% | 305 |
| Net loans and leases to core deposits | 210.4606% | 41 |
| Total domestic deposits to total assets | 81.9834% | 4,169 |
| Equity capital to assets | 10.4213% | 3,455 |
| Core capital (leverage) ratio | 10.3924% | 3,060 |
| Tier 1 risk-based capital ratio | 15.4607% | 2,948 |
| Total risk-based capital ratio | 16.7209% | 2,884 |
| Memoranda: | ||
| Average total assets | $753,313,400 | 915 |
| Average earning assets | $718,944,400 | 885 |
| Average equity | $78,965,400 | 963 |
| Average total loans | $667,915,800 | 704 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3868% | 35 |
| Cost of funding earning assets | 1.5302% | 16 |
| Net interest margin | 6.8566% | 46 |
| Noninterest income to average assets | 0.5118% | 3,285 |
| Noninterest expense to average assets | 3.3428% | 1,591 |
| Loan and lease loss provision to assets | 0.2618% | 633 |
| Net operating income to assets | 2.2205% | 249 |
| Return on assets (ROA) | 2.2205% | 261 |
| Pretax return on assets | 3.4468% | 94 |
| Return on Equity (ROE) | 21.1486% | 215 |
| Retained earnings to average equity (ytd only) | 8.2079% | 1,160 |
| Net charge-offs to loans | 0.2343% | 1,123 |
| Credit loss provision to net charge-offs | 126.4217% | 1,912 |
| Earnings coverage of net charge-offs (x) | 17.9099% | 2,033 |
| Efficiency ratio | 47.4064% | 5,902 |
| Assets per employee ($millions) | 3.4570% | 4,877 |
| Cash dividends to net income (ytd only)* | 61.1895% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,996 |
| Loan loss allowance to noncurrent loans | 34.7411% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 4.6567% | 228 |
| Noncurrent loans to loans | 4.4331% | 253 |
| Net loans and leases to total assets | 87.9707% | 141 |
| Net loans and leases to deposits | 104.7739% | 416 |
| Net loans and leases to core deposits | 199.8680% | 44 |
| Total domestic deposits to total assets | 83.9625% | 3,448 |
| Equity capital to assets | 10.0311% | 4,119 |
| Core capital (leverage) ratio | 10.4222% | 3,140 |
| Tier 1 risk-based capital ratio | 14.7420% | 3,416 |
| Total risk-based capital ratio | 16.0031% | 3,361 |
| Memoranda: | ||
| Average total assets | $735,974,500 | 945 |
| Average earning assets | $701,946,000 | 914 |
| Average equity | $77,273,500 | 993 |
| Average total loans | $650,363,000 | 725 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3706% | 35 |
| Cost of funding earning assets | 1.4788% | 15 |
| Net interest margin | 6.8918% | 46 |
| Noninterest income to average assets | 0.5043% | 3,341 |
| Noninterest expense to average assets | 3.3636% | 1,541 |
| Loan and lease loss provision to assets | 0.2359% | 773 |
| Net operating income to assets | 2.2841% | 224 |
| Return on assets (ROA) | 2.2841% | 236 |
| Pretax return on assets | 3.4739% | 97 |
| Return on Equity (ROE) | 21.4009% | 219 |
| Retained earnings to average equity (ytd only) | 8.3197% | 1,143 |
| Net charge-offs to loans | 0.2443% | 1,064 |
| Credit loss provision to net charge-offs | 109.7403% | 1,928 |
| Earnings coverage of net charge-offs (x) | 17.2545% | 1,863 |
| Efficiency ratio | 47.5525% | 5,983 |
| Assets per employee ($millions) | 3.3545% | 5,063 |
| Cash dividends to net income (ytd only)* | 61.1247% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 1,891 |
| Loan loss allowance to noncurrent loans | 33.6865% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 4.9791% | 223 |
| Noncurrent loans to loans | 4.7663% | 263 |
| Net loans and leases to total assets | 87.7696% | 156 |
| Net loans and leases to deposits | 102.0246% | 549 |
| Net loans and leases to core deposits | 190.5263% | 50 |
| Total domestic deposits to total assets | 86.0279% | 2,685 |
| Equity capital to assets | 10.4508% | 3,501 |
| Core capital (leverage) ratio | 10.5208% | 2,929 |
| Tier 1 risk-based capital ratio | 15.0243% | 3,346 |
| Total risk-based capital ratio | 16.2851% | 3,270 |
| Memoranda: | ||
| Average total assets | $716,262,670 | 974 |
| Average earning assets | $682,723,000 | 942 |
| Average equity | $76,445,330 | 1,007 |
| Average total loans | $630,349,000 | 746 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0040% | 38 |
| Cost of funding earning assets | 1.4572% | 18 |
| Net interest margin | 6.5467% | 54 |
| Noninterest income to average assets | 0.5637% | 2,866 |
| Noninterest expense to average assets | 3.3611% | 1,574 |
| Loan and lease loss provision to assets | 0.3113% | 449 |
| Net operating income to assets | 2.0486% | 312 |
| Return on assets (ROA) | 2.0486% | 328 |
| Pretax return on assets | 3.1161% | 125 |
| Return on Equity (ROE) | 18.9841% | 325 |
| Retained earnings to average equity (ytd only) | 5.7529% | 2,631 |
| Net charge-offs to loans | 0.2203% | 1,062 |
| Credit loss provision to net charge-offs | 161.7211% | 1,197 |
| Earnings coverage of net charge-offs (x) | 17.8071% | 1,507 |
| Efficiency ratio | 49.5120% | 5,946 |
| Assets per employee ($millions) | 3.4049% | 5,074 |
| Cash dividends to net income (ytd only)* | 69.6961% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 1,776 |
| Loan loss allowance to noncurrent loans | 32.1869% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 5.4103% | 209 |
| Noncurrent loans to loans | 5.2368% | 241 |
| Net loans and leases to total assets | 86.4262% | 165 |
| Net loans and leases to deposits | 107.1980% | 277 |
| Net loans and leases to core deposits | 191.2353% | 49 |
| Total domestic deposits to total assets | 80.6230% | 4,907 |
| Equity capital to assets | 10.4091% | 3,637 |
| Core capital (leverage) ratio | 11.1206% | 2,298 |
| Tier 1 risk-based capital ratio | 14.7282% | 3,587 |
| Total risk-based capital ratio | 15.9887% | 3,512 |
| Memoranda: | ||
| Average total assets | $700,364,000 | 995 |
| Average earning assets | $665,920,000 | 968 |
| Average equity | $75,579,000 | 1,015 |
| Average total loans | $611,882,000 | 767 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4080% | 39 |
| Cost of funding earning assets | 1.7228% | 14 |
| Net interest margin | 6.6852% | 54 |
| Noninterest income to average assets | 0.5626% | 3,106 |
| Noninterest expense to average assets | 3.5680% | 1,363 |
| Loan and lease loss provision to assets | 0.4330% | 389 |
| Net operating income to assets | 1.8723% | 411 |
| Return on assets (ROA) | 1.8929% | 415 |
| Pretax return on assets | 2.9024% | 122 |
| Return on Equity (ROE) | 16.3542% | 573 |
| Retained earnings to average equity (ytd only) | 2.8684% | 4,195 |
| Net charge-offs to loans | 0.3911% | 1,096 |
| Credit loss provision to net charge-offs | 131.3447% | 1,817 |
| Earnings coverage of net charge-offs (x) | 10.0213% | 2,667 |
| Efficiency ratio | 51.9229% | 5,988 |
| Assets per employee ($millions) | 3.2460% | 5,359 |
| Cash dividends to net income (ytd only)* | 82.4606% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 1,464 |
| Loan loss allowance to noncurrent loans | 34.7283% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 5.5300% | 229 |
| Noncurrent loans to loans | 5.2797% | 261 |
| Net loans and leases to total assets | 85.1823% | 264 |
| Net loans and leases to deposits | 102.1726% | 506 |
| Net loans and leases to core deposits | 184.6674% | 52 |
| Total domestic deposits to total assets | 83.3709% | 3,955 |
| Equity capital to assets | 11.2099% | 2,684 |
| Core capital (leverage) ratio | 11.4466% | 2,018 |
| Tier 1 risk-based capital ratio | 15.6399% | 3,163 |
| Total risk-based capital ratio | 16.9031% | 3,084 |
| Memoranda: | ||
| Average total assets | $640,647,000 | 1,047 |
| Average earning assets | $604,603,000 | 1,014 |
| Average equity | $74,152,400 | 985 |
| Average total loans | $540,054,400 | 815 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4603% | 38 |
| Cost of funding earning assets | 1.7811% | 14 |
| Net interest margin | 6.6792% | 58 |
| Noninterest income to average assets | 0.6355% | 2,648 |
| Noninterest expense to average assets | 3.4949% | 1,472 |
| Loan and lease loss provision to assets | 0.4553% | 342 |
| Net operating income to assets | 1.9409% | 382 |
| Return on assets (ROA) | 1.9687% | 372 |
| Pretax return on assets | 3.0273% | 115 |
| Return on Equity (ROE) | 16.8685% | 564 |
| Retained earnings to average equity (ytd only) | 3.3463% | 4,233 |
| Net charge-offs to loans | 0.4171% | 949 |
| Credit loss provision to net charge-offs | 130.5187% | 1,770 |
| Earnings coverage of net charge-offs (x) | 9.8601% | 2,616 |
| Efficiency ratio | 50.3960% | 6,079 |
| Assets per employee ($millions) | 3.1983% | 5,438 |
| Cash dividends to net income (ytd only)* | 80.1625% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9070% | 1,439 |
| Loan loss allowance to noncurrent loans | 35.3260% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 5.6660% | 258 |
| Noncurrent loans to loans | 5.3982% | 303 |
| Net loans and leases to total assets | 83.0555% | 398 |
| Net loans and leases to deposits | 97.9929% | 737 |
| Net loans and leases to core deposits | 175.3422% | 56 |
| Total domestic deposits to total assets | 84.7567% | 3,439 |
| Equity capital to assets | 11.5231% | 2,458 |
| Core capital (leverage) ratio | 11.6140% | 1,969 |
| Tier 1 risk-based capital ratio | 16.1459% | 2,988 |
| Total risk-based capital ratio | 17.4088% | 2,933 |
| Memoranda: | ||
| Average total assets | $633,637,500 | 1,065 |
| Average earning assets | $597,600,250 | 1,033 |
| Average equity | $73,950,750 | 990 |
| Average total loans | $530,008,000 | 833 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5415% | 35 |
| Cost of funding earning assets | 1.8772% | 12 |
| Net interest margin | 6.6643% | 59 |
| Noninterest income to average assets | 0.8071% | 1,811 |
| Noninterest expense to average assets | 3.5157% | 1,448 |
| Loan and lease loss provision to assets | 0.4233% | 391 |
| Net operating income to assets | 2.0356% | 311 |
| Return on assets (ROA) | 2.0776% | 299 |
| Pretax return on assets | 3.2099% | 100 |
| Return on Equity (ROE) | 17.7240% | 486 |
| Retained earnings to average equity (ytd only) | 4.1486% | 3,534 |
| Net charge-offs to loans | 0.5082% | 799 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 8.4308% | 2,495 |
| Efficiency ratio | 49.6271% | 6,192 |
| Assets per employee ($millions) | 2.9982% | 5,751 |
| Cash dividends to net income (ytd only)* | 76.5931% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8834% | 1,623 |
| Loan loss allowance to noncurrent loans | 35.5079% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 5.7238% | 282 |
| Noncurrent loans to loans | 5.3043% | 357 |
| Net loans and leases to total assets | 81.7719% | 484 |
| Net loans and leases to deposits | 96.8166% | 752 |
| Net loans and leases to core deposits | 179.2374% | 49 |
| Total domestic deposits to total assets | 84.4607% | 3,742 |
| Equity capital to assets | 11.7409% | 2,214 |
| Core capital (leverage) ratio | 11.6716% | 1,874 |
| Tier 1 risk-based capital ratio | 16.5249% | 2,813 |
| Total risk-based capital ratio | 17.7875% | 2,776 |
| Memoranda: | ||
| Average total assets | $628,431,670 | 1,074 |
| Average earning assets | $591,932,000 | 1,045 |
| Average equity | $73,663,000 | 991 |
| Average total loans | $523,435,670 | 836 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2822% | 36 |
| Cost of funding earning assets | 1.6706% | 18 |
| Net interest margin | 6.6116% | 59 |
| Noninterest income to average assets | 0.6933% | 2,208 |
| Noninterest expense to average assets | 3.4812% | 1,525 |
| Loan and lease loss provision to assets | 0.4449% | 358 |
| Net operating income to assets | 1.9672% | 358 |
| Return on assets (ROA) | 1.9672% | 374 |
| Pretax return on assets | 2.9921% | 140 |
| Return on Equity (ROE) | 16.7966% | 556 |
| Retained earnings to average equity (ytd only) | 3.1319% | 4,245 |
| Net charge-offs to loans | 0.5289% | 700 |
| Credit loss provision to net charge-offs | 101.0174% | 1,641 |
| Earnings coverage of net charge-offs (x) | 7.8038% | 2,090 |
| Efficiency ratio | 50.3192% | 6,235 |
| Assets per employee ($millions) | 3.2751% | 5,394 |
| Cash dividends to net income (ytd only)* | 81.3537% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 1,739 |
| Loan loss allowance to noncurrent loans | 36.6170% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 5.6181% | 330 |
| Noncurrent loans to loans | 5.2023% | 411 |
| Net loans and leases to total assets | 81.3367% | 415 |
| Net loans and leases to deposits | 96.8279% | 604 |
| Net loans and leases to core deposits | 181.0684% | 49 |
| Total domestic deposits to total assets | 84.0013% | 4,274 |
| Equity capital to assets | 11.6412% | 2,143 |
| Core capital (leverage) ratio | 11.7230% | 1,816 |
| Tier 1 risk-based capital ratio | 16.2720% | 3,030 |
| Total risk-based capital ratio | 17.5339% | 2,983 |
| Memoranda: | ||
| Average total assets | $624,843,500 | 1,088 |
| Average earning assets | $588,299,000 | 1,059 |
| Average equity | $73,181,500 | 996 |
| Average total loans | $520,290,500 | 843 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4833% | 39 |
| Cost of funding earning assets | 1.7997% | 18 |
| Net interest margin | 6.6836% | 53 |
| Noninterest income to average assets | 0.6034% | 3,078 |
| Noninterest expense to average assets | 3.5484% | 1,550 |
| Loan and lease loss provision to assets | 0.5538% | 473 |
| Net operating income to assets | 1.8390% | 449 |
| Return on assets (ROA) | 1.8531% | 449 |
| Pretax return on assets | 2.8055% | 146 |
| Return on Equity (ROE) | 14.9915% | 768 |
| Retained earnings to average equity (ytd only) | 4.5730% | 2,907 |
| Net charge-offs to loans | 0.6756% | 960 |
| Credit loss provision to net charge-offs | 98.5937% | 2,517 |
| Earnings coverage of net charge-offs (x) | 5.9431% | 3,168 |
| Efficiency ratio | 51.5272% | 6,335 |
| Assets per employee ($millions) | 3.1834% | 5,522 |
| Cash dividends to net income (ytd only)* | 69.4959% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 1,703 |
| Loan loss allowance to noncurrent loans | 36.5525% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 5.8110% | 339 |
| Noncurrent loans to loans | 5.2850% | 443 |
| Net loans and leases to total assets | 82.0112% | 415 |
| Net loans and leases to deposits | 98.3816% | 570 |
| Net loans and leases to core deposits | 185.0323% | 45 |
| Total domestic deposits to total assets | 83.3603% | 4,407 |
| Equity capital to assets | 11.7845% | 1,958 |
| Core capital (leverage) ratio | 12.0139% | 1,599 |
| Tier 1 risk-based capital ratio | 16.3752% | 2,916 |
| Total risk-based capital ratio | 17.6375% | 2,863 |
| Memoranda: | ||
| Average total assets | $582,382,800 | 1,141 |
| Average earning assets | $547,474,400 | 1,103 |
| Average equity | $71,987,400 | 988 |
| Average total loans | $484,158,400 | 880 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5481% | 35 |
| Cost of funding earning assets | 1.8328% | 17 |
| Net interest margin | 6.7153% | 54 |
| Noninterest income to average assets | 0.6446% | 2,906 |
| Noninterest expense to average assets | 3.5391% | 1,527 |
| Loan and lease loss provision to assets | 0.5428% | 486 |
| Net operating income to assets | 1.8894% | 443 |
| Return on assets (ROA) | 1.9121% | 435 |
| Pretax return on assets | 2.9082% | 150 |
| Return on Equity (ROE) | 15.2776% | 753 |
| Retained earnings to average equity (ytd only) | 5.9914% | 2,411 |
| Net charge-offs to loans | 0.6710% | 898 |
| Credit loss provision to net charge-offs | 97.4541% | 2,453 |
| Earnings coverage of net charge-offs (x) | 6.1344% | 3,038 |
| Efficiency ratio | 50.8806% | 6,342 |
| Assets per employee ($millions) | 3.1795% | 5,538 |
| Cash dividends to net income (ytd only)* | 60.7829% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0311% | 1,649 |
| Loan loss allowance to noncurrent loans | 35.4016% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 6.2833% | 360 |
| Noncurrent loans to loans | 5.7372% | 463 |
| Net loans and leases to total assets | 81.2525% | 428 |
| Net loans and leases to deposits | 94.2324% | 815 |
| Net loans and leases to core deposits | 178.7769% | 47 |
| Total domestic deposits to total assets | 86.2257% | 3,119 |
| Equity capital to assets | 12.2858% | 1,724 |
| Core capital (leverage) ratio | 12.2665% | 1,537 |
| Tier 1 risk-based capital ratio | 16.8029% | 2,808 |
| Total risk-based capital ratio | 18.0660% | 2,750 |
| Memoranda: | ||
| Average total assets | $573,582,250 | 1,171 |
| Average earning assets | $539,054,500 | 1,138 |
| Average equity | $71,789,500 | 1,001 |
| Average total loans | $476,081,500 | 893 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5468% | 36 |
| Cost of funding earning assets | 1.8374% | 21 |
| Net interest margin | 6.7094% | 53 |
| Noninterest income to average assets | 0.6169% | 3,092 |
| Noninterest expense to average assets | 3.5099% | 1,583 |
| Loan and lease loss provision to assets | 0.5673% | 456 |
| Net operating income to assets | 1.8766% | 445 |
| Return on assets (ROA) | 1.8822% | 474 |
| Pretax return on assets | 2.8627% | 170 |
| Return on Equity (ROE) | 14.9426% | 820 |
| Retained earnings to average equity (ytd only) | 7.9496% | 1,508 |
| Net charge-offs to loans | 0.6879% | 954 |
| Credit loss provision to net charge-offs | 99.3214% | 2,260 |
| Earnings coverage of net charge-offs (x) | 5.9907% | 2,789 |
| Efficiency ratio | 50.6379% | 6,377 |
| Assets per employee ($millions) | 3.1598% | 5,564 |
| Cash dividends to net income (ytd only)* | 46.7990% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 1,686 |
| Loan loss allowance to noncurrent loans | 34.5480% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 6.4317% | 394 |
| Noncurrent loans to loans | 6.0086% | 471 |
| Net loans and leases to total assets | 80.3595% | 504 |
| Net loans and leases to deposits | 93.0920% | 876 |
| Net loans and leases to core deposits | 180.1587% | 50 |
| Total domestic deposits to total assets | 86.3226% | 3,191 |
| Equity capital to assets | 12.3299% | 1,686 |
| Core capital (leverage) ratio | 12.3313% | 1,443 |
| Tier 1 risk-based capital ratio | 20.1557% | 1,691 |
| Total risk-based capital ratio | 21.4248% | 1,660 |
| Memoranda: | ||
| Average total assets | $567,646,000 | 1,182 |
| Average earning assets | $534,235,330 | 1,147 |
| Average equity | $71,500,330 | 1,007 |
| Average total loans | $471,281,330 | 900 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6048% | 35 |
| Cost of funding earning assets | 1.8174% | 22 |
| Net interest margin | 6.7875% | 50 |
| Noninterest income to average assets | 0.5846% | 3,222 |
| Noninterest expense to average assets | 3.5631% | 1,487 |
| Loan and lease loss provision to assets | 0.6349% | 392 |
| Net operating income to assets | 1.8221% | 461 |
| Return on assets (ROA) | 1.8221% | 514 |
| Pretax return on assets | 2.7711% | 193 |
| Return on Equity (ROE) | 14.3063% | 899 |
| Retained earnings to average equity (ytd only) | 14.3063% | 418 |
| Net charge-offs to loans | 0.7918% | 774 |
| Credit loss provision to net charge-offs | 95.9870% | 1,931 |
| Earnings coverage of net charge-offs (x) | 5.1497% | 2,404 |
| Efficiency ratio | 51.1271% | 6,432 |
| Assets per employee ($millions) | 3.0759% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1079% | 1,775 |
| Loan loss allowance to noncurrent loans | 33.2390% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 6.8190% | 420 |
| Noncurrent loans to loans | 6.3415% | 510 |
| Net loans and leases to total assets | 81.0603% | 345 |
| Net loans and leases to deposits | 95.6122% | 563 |
| Net loans and leases to core deposits | 181.0864% | 50 |
| Total domestic deposits to total assets | 84.7803% | 4,144 |
| Equity capital to assets | 12.6352% | 1,628 |
| Core capital (leverage) ratio | 13.1913% | 1,048 |
| Tier 1 risk-based capital ratio | 20.3585% | 1,685 |
| Total risk-based capital ratio | 21.6305% | 1,656 |
| Memoranda: | ||
| Average total assets | $557,605,000 | 1,210 |
| Average earning assets | $524,496,000 | 1,178 |
| Average equity | $71,017,500 | 1,027 |
| Average total loans | $465,768,500 | 911 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4783% | 42 |
| Cost of funding earning assets | 2.1400% | 15 |
| Net interest margin | 6.3383% | 68 |
| Noninterest income to average assets | 0.5097% | 3,833 |
| Noninterest expense to average assets | 3.3295% | 2,254 |
| Loan and lease loss provision to assets | 0.9425% | 456 |
| Net operating income to assets | 1.4566% | 992 |
| Return on assets (ROA) | 1.5333% | 945 |
| Pretax return on assets | 2.3101% | 333 |
| Return on Equity (ROE) | 12.3036% | 1,414 |
| Retained earnings to average equity (ytd only) | 3.5060% | 3,749 |
| Net charge-offs to loans | 1.2573% | 784 |
| Credit loss provision to net charge-offs | 95.8158% | 3,242 |
| Earnings coverage of net charge-offs (x) | 3.1886% | 3,840 |
| Efficiency ratio | 51.4927% | 6,495 |
| Assets per employee ($millions) | 3.0005% | 6,012 |
| Cash dividends to net income (ytd only)* | 71.5039% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1894% | 1,573 |
| Loan loss allowance to noncurrent loans | 36.6284% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 6.6930% | 478 |
| Noncurrent loans to loans | 5.9775% | 599 |
| Net loans and leases to total assets | 82.4478% | 302 |
| Net loans and leases to deposits | 97.5674% | 530 |
| Net loans and leases to core deposits | 176.6683% | 58 |
| Total domestic deposits to total assets | 84.5034% | 4,084 |
| Equity capital to assets | 12.8425% | 1,525 |
| Core capital (leverage) ratio | 12.5131% | 1,315 |
| Tier 1 risk-based capital ratio | 19.9633% | 1,688 |
| Total risk-based capital ratio | 21.2366% | 1,657 |
| Memoranda: | ||
| Average total assets | $556,390,800 | 1,202 |
| Average earning assets | $522,851,200 | 1,155 |
| Average equity | $69,337,600 | 1,016 |
| Average total loans | $435,291,400 | 959 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4241% | 41 |
| Cost of funding earning assets | 2.1886% | 16 |
| Net interest margin | 6.2354% | 72 |
| Noninterest income to average assets | 0.4669% | 4,167 |
| Noninterest expense to average assets | 3.2030% | 2,555 |
| Loan and lease loss provision to assets | 0.8788% | 511 |
| Net operating income to assets | 1.4858% | 1,046 |
| Return on assets (ROA) | 1.4855% | 1,161 |
| Pretax return on assets | 2.2456% | 447 |
| Return on Equity (ROE) | 12.0090% | 1,636 |
| Retained earnings to average equity (ytd only) | 4.3060% | 3,855 |
| Net charge-offs to loans | 1.2294% | 788 |
| Credit loss provision to net charge-offs | 93.1095% | 3,205 |
| Earnings coverage of net charge-offs (x) | 3.3110% | 3,699 |
| Efficiency ratio | 50.6174% | 6,540 |
| Assets per employee ($millions) | 3.1706% | 5,689 |
| Cash dividends to net income (ytd only)* | 64.1437% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 1,623 |
| Loan loss allowance to noncurrent loans | 38.6304% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 6.2032% | 630 |
| Noncurrent loans to loans | 5.8032% | 719 |
| Net loans and leases to total assets | 78.8766% | 623 |
| Net loans and leases to deposits | 92.4620% | 922 |
| Net loans and leases to core deposits | 170.2462% | 67 |
| Total domestic deposits to total assets | 85.3070% | 3,612 |
| Equity capital to assets | 12.6884% | 1,774 |
| Core capital (leverage) ratio | 12.6016% | 1,362 |
| Tier 1 risk-based capital ratio | 20.3041% | 1,686 |
| Total risk-based capital ratio | 21.5791% | 1,649 |
| Memoranda: | ||
| Average total assets | $559,716,500 | 1,205 |
| Average earning assets | $526,097,250 | 1,158 |
| Average equity | $69,235,500 | 1,020 |
| Average total loans | $429,667,500 | 981 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4251% | 42 |
| Cost of funding earning assets | 2.1468% | 23 |
| Net interest margin | 6.2783% | 74 |
| Noninterest income to average assets | 0.4203% | 4,498 |
| Noninterest expense to average assets | 3.2543% | 2,425 |
| Loan and lease loss provision to assets | 0.8780% | 542 |
| Net operating income to assets | 1.4500% | 1,084 |
| Return on assets (ROA) | 1.4495% | 1,218 |
| Pretax return on assets | 2.1842% | 495 |
| Return on Equity (ROE) | 11.8178% | 1,723 |
| Retained earnings to average equity (ytd only) | 7.4688% | 1,890 |
| Net charge-offs to loans | 1.2951% | 826 |
| Credit loss provision to net charge-offs | 89.8145% | 3,054 |
| Earnings coverage of net charge-offs (x) | 3.1331% | 3,492 |
| Efficiency ratio | 51.5143% | 6,540 |
| Assets per employee ($millions) | 3.1134% | 5,814 |
| Cash dividends to net income (ytd only)* | 36.8008% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3228% | 1,551 |
| Loan loss allowance to noncurrent loans | 37.1480% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 6.2917% | 662 |
| Noncurrent loans to loans | 6.2528% | 688 |
| Net loans and leases to total assets | 75.6685% | 1,010 |
| Net loans and leases to deposits | 88.8428% | 1,276 |
| Net loans and leases to core deposits | 165.2173% | 78 |
| Total domestic deposits to total assets | 85.1712% | 3,786 |
| Equity capital to assets | 12.6506% | 1,722 |
| Core capital (leverage) ratio | 12.3303% | 1,429 |
| Tier 1 risk-based capital ratio | 20.9040% | 1,501 |
| Total risk-based capital ratio | 22.1792% | 1,465 |
| Memoranda: | ||
| Average total assets | $562,393,330 | 1,197 |
| Average earning assets | $528,233,000 | 1,158 |
| Average equity | $68,980,670 | 1,019 |
| Average total loans | $424,513,330 | 991 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3974% | 46 |
| Cost of funding earning assets | 2.1759% | 24 |
| Net interest margin | 6.2214% | 85 |
| Noninterest income to average assets | 0.4067% | 4,625 |
| Noninterest expense to average assets | 3.3638% | 2,108 |
| Loan and lease loss provision to assets | 1.0259% | 399 |
| Net operating income to assets | 1.2451% | 1,614 |
| Return on assets (ROA) | 1.2441% | 1,795 |
| Pretax return on assets | 1.8521% | 969 |
| Return on Equity (ROE) | 10.3015% | 2,302 |
| Retained earnings to average equity (ytd only) | 10.3015% | 1,199 |
| Net charge-offs to loans | 1.3655% | 742 |
| Credit loss provision to net charge-offs | 100.8328% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.8300% | 3,052 |
| Efficiency ratio | 53.8792% | 6,364 |
| Assets per employee ($millions) | 3.1655% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4469% | 1,431 |
| Loan loss allowance to noncurrent loans | 35.7344% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 6.5138% | 690 |
| Noncurrent loans to loans | 6.8475% | 665 |
| Net loans and leases to total assets | 72.6229% | 1,293 |
| Net loans and leases to deposits | 86.3782% | 1,375 |
| Net loans and leases to core deposits | 162.2176% | 84 |
| Total domestic deposits to total assets | 84.0756% | 4,450 |
| Equity capital to assets | 12.2997% | 1,852 |
| Core capital (leverage) ratio | 12.2335% | 1,470 |
| Tier 1 risk-based capital ratio | 21.0558% | 1,481 |
| Total risk-based capital ratio | 22.3319% | 1,445 |
| Memoranda: | ||
| Average total assets | $566,501,000 | 1,191 |
| Average earning assets | $531,452,500 | 1,155 |
| Average equity | $68,417,500 | 1,022 |
| Average total loans | $422,115,000 | 991 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9973% | 36 |
| Cost of funding earning assets | 2.4078% | 33 |
| Net interest margin | 6.5895% | 65 |
| Noninterest income to average assets | 0.4437% | 4,276 |
| Noninterest expense to average assets | 3.8140% | 1,320 |
| Loan and lease loss provision to assets | 1.3737% | 574 |
| Net operating income to assets | 0.9100% | 2,559 |
| Return on assets (ROA) | 1.1497% | 1,779 |
| Pretax return on assets | 1.7126% | 962 |
| Return on Equity (ROE) | 8.4705% | 2,686 |
| Retained earnings to average equity (ytd only) | -4.2756% | 6,395 |
| Net charge-offs to loans | 1.7596% | 847 |
| Credit loss provision to net charge-offs | 101.4192% | 3,424 |
| Earnings coverage of net charge-offs (x) | 2.0145% | 4,265 |
| Efficiency ratio | 58.2959% | 6,012 |
| Assets per employee ($millions) | 3.1466% | 5,816 |
| Cash dividends to net income (ytd only)* | 150.4765% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4136% | 1,444 |
| Loan loss allowance to noncurrent loans | 33.4956% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 6.9229% | 665 |
| Noncurrent loans to loans | 7.2056% | 610 |
| Net loans and leases to total assets | 72.7800% | 1,496 |
| Net loans and leases to deposits | 86.0871% | 1,657 |
| Net loans and leases to core deposits | 162.8302% | 105 |
| Total domestic deposits to total assets | 84.5423% | 4,069 |
| Equity capital to assets | 11.8571% | 2,231 |
| Core capital (leverage) ratio | 11.3769% | 1,983 |
| Tier 1 risk-based capital ratio | 19.9290% | 1,664 |
| Total risk-based capital ratio | 21.2041% | 1,626 |
| Memoranda: | ||
| Average total assets | $520,214,800 | 1,286 |
| Average earning assets | $481,477,800 | 1,271 |
| Average equity | $70,610,000 | 950 |
| Average total loans | $400,425,200 | 1,065 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3115% | 35 |
| Cost of funding earning assets | 2.4049% | 36 |
| Net interest margin | 6.9066% | 52 |
| Noninterest income to average assets | 0.3838% | 4,780 |
| Noninterest expense to average assets | 3.7517% | 1,396 |
| Loan and lease loss provision to assets | 1.4809% | 469 |
| Net operating income to assets | 1.0222% | 2,242 |
| Return on assets (ROA) | 1.3488% | 1,358 |
| Pretax return on assets | 2.0185% | 607 |
| Return on Equity (ROE) | 9.5973% | 2,349 |
| Retained earnings to average equity (ytd only) | -7.2138% | 6,718 |
| Net charge-offs to loans | 1.6912% | 817 |
| Credit loss provision to net charge-offs | 112.7749% | 2,896 |
| Earnings coverage of net charge-offs (x) | 2.2937% | 3,981 |
| Efficiency ratio | 55.4689% | 6,340 |
| Assets per employee ($millions) | 3.3027% | 5,476 |
| Cash dividends to net income (ytd only)* | 175.1653% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6567% | 1,190 |
| Loan loss allowance to noncurrent loans | 41.2122% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 5.9721% | 892 |
| Noncurrent loans to loans | 6.4464% | 825 |
| Net loans and leases to total assets | 67.2566% | 2,622 |
| Net loans and leases to deposits | 81.4249% | 2,460 |
| Net loans and leases to core deposits | 151.7431% | 131 |
| Total domestic deposits to total assets | 82.5996% | 4,835 |
| Equity capital to assets | 11.3572% | 2,811 |
| Core capital (leverage) ratio | 11.9682% | 1,724 |
| Tier 1 risk-based capital ratio | 20.3756% | 1,595 |
| Total risk-based capital ratio | 21.6542% | 1,560 |
| Memoranda: | ||
| Average total assets | $507,883,250 | 1,321 |
| Average earning assets | $469,141,750 | 1,307 |
| Average equity | $71,379,750 | 952 |
| Average total loans | $394,340,500 | 1,092 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7561% | 35 |
| Cost of funding earning assets | 2.4769% | 33 |
| Net interest margin | 7.2792% | 45 |
| Noninterest income to average assets | 0.3695% | 4,919 |
| Noninterest expense to average assets | 3.9575% | 1,112 |
| Loan and lease loss provision to assets | 1.8831% | 346 |
| Net operating income to assets | 0.8274% | 2,952 |
| Return on assets (ROA) | 1.3445% | 1,282 |
| Pretax return on assets | 1.9929% | 593 |
| Return on Equity (ROE) | 8.8731% | 2,566 |
| Retained earnings to average equity (ytd only) | 8.8731% | 1,150 |
| Net charge-offs to loans | 1.6706% | 867 |
| Credit loss provision to net charge-offs | 138.9451% | 2,191 |
| Earnings coverage of net charge-offs (x) | 2.2904% | 3,683 |
| Efficiency ratio | 56.0414% | 6,421 |
| Assets per employee ($millions) | 2.7791% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7581% | 1,118 |
| Loan loss allowance to noncurrent loans | 43.2570% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 7.4658% | 649 |
| Noncurrent loans to loans | 6.3760% | 891 |
| Net loans and leases to total assets | 80.5026% | 492 |
| Net loans and leases to deposits | 104.2391% | 313 |
| Net loans and leases to core deposits | 158.9863% | 126 |
| Total domestic deposits to total assets | 77.2287% | 6,421 |
| Equity capital to assets | 14.7893% | 869 |
| Core capital (leverage) ratio | 14.9021% | 687 |
| Tier 1 risk-based capital ratio | 22.7058% | 1,163 |
| Total risk-based capital ratio | 23.9853% | 1,141 |
| Memoranda: | ||
| Average total assets | $481,216,330 | 1,399 |
| Average earning assets | $442,408,330 | 1,386 |
| Average equity | $72,917,330 | 932 |
| Average total loans | $390,393,330 | 1,113 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5133% | 40 |
| Cost of funding earning assets | 2.5491% | 34 |
| Net interest margin | 6.9642% | 56 |
| Noninterest income to average assets | 0.4791% | 4,056 |
| Noninterest expense to average assets | 4.0737% | 949 |
| Loan and lease loss provision to assets | 2.3659% | 220 |
| Net operating income to assets | 0.3579% | 5,136 |
| Return on assets (ROA) | 0.3579% | 5,217 |
| Pretax return on assets | 0.4384% | 5,223 |
| Return on Equity (ROE) | 2.3320% | 5,667 |
| Retained earnings to average equity (ytd only) | 2.3320% | 4,748 |
| Net charge-offs to loans | 2.1621% | 575 |
| Credit loss provision to net charge-offs | 136.3636% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1.6163% | 3,503 |
| Efficiency ratio | 59.2282% | 6,094 |
| Assets per employee ($millions) | 2.9715% | 6,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7057% | 1,200 |
| Loan loss allowance to noncurrent loans | 40.9470% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 7.6398% | 645 |
| Noncurrent loans to loans | 6.6078% | 883 |
| Net loans and leases to total assets | 82.4114% | 312 |
| Net loans and leases to deposits | 109.9681% | 183 |
| Net loans and leases to core deposits | 174.4131% | 100 |
| Total domestic deposits to total assets | 74.9412% | 6,804 |
| Equity capital to assets | 15.2536% | 711 |
| Core capital (leverage) ratio | 15.0928% | 649 |
| Tier 1 risk-based capital ratio | 21.3764% | 1,329 |
| Total risk-based capital ratio | 22.6519% | 1,303 |
| Memoranda: | ||
| Average total assets | $471,704,500 | 1,432 |
| Average earning assets | $433,414,000 | 1,423 |
| Average equity | $72,385,000 | 935 |
| Average total loans | $378,526,000 | 1,168 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5491% | 36 |
| Cost of funding earning assets | 3.0691% | 20 |
| Net interest margin | 7.4800% | 43 |
| Noninterest income to average assets | 0.3214% | 5,484 |
| Noninterest expense to average assets | 3.9028% | 1,312 |
| Loan and lease loss provision to assets | 1.9579% | 680 |
| Net operating income to assets | 0.8326% | 2,656 |
| Return on assets (ROA) | 1.3565% | 1,107 |
| Pretax return on assets | 2.0580% | 431 |
| Return on Equity (ROE) | 8.9732% | 2,298 |
| Retained earnings to average equity (ytd only) | 8.9732% | 707 |
| Net charge-offs to loans | 1.9726% | 1,033 |
| Credit loss provision to net charge-offs | 130.2519% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.1435% | 4,118 |
| Efficiency ratio | 54.7763% | 6,737 |
| Assets per employee ($millions) | 2.9067% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8650% | 990 |
| Loan loss allowance to noncurrent loans | 42.0042% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 7.2542% | 739 |
| Noncurrent loans to loans | 6.8208% | 843 |
| Net loans and leases to total assets | 73.5492% | 1,756 |
| Net loans and leases to deposits | 98.7726% | 657 |
| Net loans and leases to core deposits | 162.7224% | 132 |
| Total domestic deposits to total assets | 74.4632% | 6,833 |
| Equity capital to assets | 15.4386% | 691 |
| Core capital (leverage) ratio | 14.8381% | 687 |
| Tier 1 risk-based capital ratio | 24.5310% | 886 |
| Total risk-based capital ratio | 25.8100% | 871 |
| Memoranda: | ||
| Average total assets | $464,875,000 | 1,432 |
| Average earning assets | $422,834,000 | 1,431 |
| Average equity | $70,275,800 | 959 |
| Average total loans | $354,261,000 | 1,267 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0835% | 33 |
| Cost of funding earning assets | 3.1576% | 20 |
| Net interest margin | 7.9259% | 41 |
| Noninterest income to average assets | 0.3988% | 4,966 |
| Noninterest expense to average assets | 4.0597% | 976 |
| Loan and lease loss provision to assets | 2.2282% | 499 |
| Net operating income to assets | 0.8593% | 2,783 |
| Return on assets (ROA) | 1.1980% | 1,679 |
| Pretax return on assets | 1.8142% | 901 |
| Return on Equity (ROE) | 7.9674% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.9674% | 1,431 |
| Net charge-offs to loans | 2.2071% | 815 |
| Credit loss provision to net charge-offs | 132.2647% | 3,056 |
| Earnings coverage of net charge-offs (x) | 2.0950% | 4,153 |
| Efficiency ratio | 53.4941% | 6,829 |
| Assets per employee ($millions) | 2.8519% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8585% | 947 |
| Loan loss allowance to noncurrent loans | 50.8657% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 6.7715% | 819 |
| Noncurrent loans to loans | 5.6197% | 1,168 |
| Net loans and leases to total assets | 72.5922% | 2,102 |
| Net loans and leases to deposits | 97.1639% | 869 |
| Net loans and leases to core deposits | 165.6179% | 134 |
| Total domestic deposits to total assets | 74.7112% | 6,825 |
| Equity capital to assets | 15.2949% | 824 |
| Core capital (leverage) ratio | 14.5473% | 811 |
| Tier 1 risk-based capital ratio | 23.0544% | 1,059 |
| Total risk-based capital ratio | 24.3330% | 1,026 |
| Memoranda: | ||
| Average total assets | $464,100,000 | 1,458 |
| Average earning assets | $421,023,000 | 1,457 |
| Average equity | $69,782,500 | 960 |
| Average total loans | $354,240,250 | 1,282 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0940% | 33 |
| Cost of funding earning assets | 3.2869% | 21 |
| Net interest margin | 7.8071% | 41 |
| Noninterest income to average assets | 0.5002% | 4,119 |
| Noninterest expense to average assets | 4.0121% | 1,028 |
| Loan and lease loss provision to assets | 2.5388% | 441 |
| Net operating income to assets | 0.6841% | 3,468 |
| Return on assets (ROA) | 1.1323% | 1,812 |
| Pretax return on assets | 1.7217% | 1,022 |
| Return on Equity (ROE) | 7.5739% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.5739% | 1,605 |
| Net charge-offs to loans | 2.3505% | 745 |
| Credit loss provision to net charge-offs | 140.5251% | 2,848 |
| Earnings coverage of net charge-offs (x) | 1.9823% | 4,040 |
| Efficiency ratio | 52.8363% | 6,997 |
| Assets per employee ($millions) | 2.7541% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7809% | 1,016 |
| Loan loss allowance to noncurrent loans | 43.3694% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 8.2328% | 584 |
| Noncurrent loans to loans | 6.4121% | 941 |
| Net loans and leases to total assets | 74.9009% | 1,717 |
| Net loans and leases to deposits | 100.9817% | 651 |
| Net loans and leases to core deposits | 174.7468% | 127 |
| Total domestic deposits to total assets | 74.1727% | 6,953 |
| Equity capital to assets | 15.4001% | 796 |
| Core capital (leverage) ratio | 14.3343% | 850 |
| Tier 1 risk-based capital ratio | 21.7780% | 1,239 |
| Total risk-based capital ratio | 23.0538% | 1,209 |
| Memoranda: | ||
| Average total assets | $463,846,330 | 1,471 |
| Average earning assets | $421,436,330 | 1,471 |
| Average equity | $69,343,330 | 962 |
| Average total loans | $356,526,000 | 1,286 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1005% | 35 |
| Cost of funding earning assets | 3.4884% | 14 |
| Net interest margin | 7.6122% | 50 |
| Noninterest income to average assets | 0.6181% | 3,153 |
| Noninterest expense to average assets | 4.0174% | 1,006 |
| Loan and lease loss provision to assets | 2.8966% | 348 |
| Net operating income to assets | 0.4036% | 4,822 |
| Return on assets (ROA) | 1.0313% | 2,123 |
| Pretax return on assets | 1.5682% | 1,345 |
| Return on Equity (ROE) | 7.0005% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.0005% | 2,130 |
| Net charge-offs to loans | 2.7020% | 594 |
| Credit loss provision to net charge-offs | 139.6296% | 2,534 |
| Earnings coverage of net charge-offs (x) | 1.6938% | 3,716 |
| Efficiency ratio | 53.3439% | 7,038 |
| Assets per employee ($millions) | 2.7957% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5191% | 1,270 |
| Loan loss allowance to noncurrent loans | 32.5239% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 8.9190% | 505 |
| Noncurrent loans to loans | 7.7454% | 719 |
| Net loans and leases to total assets | 75.5067% | 1,644 |
| Net loans and leases to deposits | 107.1598% | 375 |
| Net loans and leases to core deposits | 192.5152% | 108 |
| Total domestic deposits to total assets | 70.4618% | 7,380 |
| Equity capital to assets | 15.0276% | 879 |
| Core capital (leverage) ratio | 13.6900% | 1,032 |
| Tier 1 risk-based capital ratio | 19.9785% | 1,525 |
| Total risk-based capital ratio | 21.2472% | 1,491 |
| Memoranda: | ||
| Average total assets | $468,556,000 | 1,496 |
| Average earning assets | $425,528,500 | 1,501 |
| Average equity | $69,024,000 | 969 |
| Average total loans | $359,736,000 | 1,313 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1244% | 32 |
| Cost of funding earning assets | 3.6887% | 23 |
| Net interest margin | 7.4357% | 42 |
| Noninterest income to average assets | 0.8939% | 1,963 |
| Noninterest expense to average assets | 4.1089% | 1,214 |
| Loan and lease loss provision to assets | 2.5880% | 756 |
| Net operating income to assets | 0.6993% | 2,939 |
| Return on assets (ROA) | 0.6927% | 3,037 |
| Pretax return on assets | 1.0370% | 2,466 |
| Return on Equity (ROE) | 4.7803% | 3,764 |
| Retained earnings to average equity (ytd only) | 4.7803% | 1,930 |
| Net charge-offs to loans | 2.2830% | 1,024 |
| Credit loss provision to net charge-offs | 137.6158% | 3,575 |
| Earnings coverage of net charge-offs (x) | 1.9328% | 4,275 |
| Efficiency ratio | 53.0609% | 7,318 |
| Assets per employee ($millions) | 2.8664% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2195% | 1,615 |
| Loan loss allowance to noncurrent loans | 28.1226% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 8.6746% | 471 |
| Noncurrent loans to loans | 7.8921% | 646 |
| Net loans and leases to total assets | 74.4245% | 2,160 |
| Net loans and leases to deposits | 110.9036% | 356 |
| Net loans and leases to core deposits | 128.5733% | 1,358 |
| Total domestic deposits to total assets | 67.1074% | 7,595 |
| Equity capital to assets | 14.4438% | 1,042 |
| Core capital (leverage) ratio | 13.3734% | 1,134 |
| Tier 1 risk-based capital ratio | 19.2280% | 1,605 |
| Total risk-based capital ratio | 20.4925% | 1,570 |
| Memoranda: | ||
| Average total assets | $447,829,400 | 1,548 |
| Average earning assets | $412,552,200 | 1,536 |
| Average equity | $64,891,600 | 1,020 |
| Average total loans | $368,898,600 | 1,301 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2821% | 30 |
| Cost of funding earning assets | 3.7246% | 27 |
| Net interest margin | 7.5575% | 38 |
| Noninterest income to average assets | 0.8940% | 2,005 |
| Noninterest expense to average assets | 4.1499% | 1,081 |
| Loan and lease loss provision to assets | 2.3594% | 722 |
| Net operating income to assets | 0.9105% | 2,389 |
| Return on assets (ROA) | 0.9016% | 2,484 |
| Pretax return on assets | 1.3486% | 1,828 |
| Return on Equity (ROE) | 6.2168% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.2168% | 1,843 |
| Net charge-offs to loans | 2.0065% | 979 |
| Credit loss provision to net charge-offs | 139.8781% | 3,525 |
| Earnings coverage of net charge-offs (x) | 2.2062% | 4,165 |
| Efficiency ratio | 52.7224% | 7,354 |
| Assets per employee ($millions) | 2.8330% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 1,955 |
| Loan loss allowance to noncurrent loans | 24.1827% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 8.6148% | 470 |
| Noncurrent loans to loans | 7.9890% | 611 |
| Net loans and leases to total assets | 74.7693% | 2,299 |
| Net loans and leases to deposits | 110.5725% | 451 |
| Net loans and leases to core deposits | 128.3653% | 1,550 |
| Total domestic deposits to total assets | 67.6202% | 7,603 |
| Equity capital to assets | 14.1481% | 1,255 |
| Core capital (leverage) ratio | 13.3638% | 1,274 |
| Tier 1 risk-based capital ratio | 19.2486% | 1,695 |
| Total risk-based capital ratio | 20.5105% | 1,660 |
| Memoranda: | ||
| Average total assets | $440,833,000 | 1,581 |
| Average earning assets | $406,982,500 | 1,571 |
| Average equity | $63,933,000 | 1,049 |
| Average total loans | $370,583,000 | 1,311 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4297% | 30 |
| Cost of funding earning assets | 3.7513% | 45 |
| Net interest margin | 7.6784% | 41 |
| Noninterest income to average assets | 0.8005% | 2,405 |
| Noninterest expense to average assets | 4.2131% | 1,055 |
| Loan and lease loss provision to assets | 2.0635% | 776 |
| Net operating income to assets | 1.0659% | 1,888 |
| Return on assets (ROA) | 1.0767% | 1,926 |
| Pretax return on assets | 1.6375% | 1,135 |
| Return on Equity (ROE) | 7.3564% | 3,041 |
| Retained earnings to average equity (ytd only) | 7.3564% | 1,447 |
| Net charge-offs to loans | 1.7621% | 1,077 |
| Credit loss provision to net charge-offs | 134.5954% | 3,466 |
| Earnings coverage of net charge-offs (x) | 2.4034% | 3,863 |
| Efficiency ratio | 53.3460% | 7,398 |
| Assets per employee ($millions) | 2.6004% | 7,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 2,658 |
| Loan loss allowance to noncurrent loans | 21.9777% | 7,016 |
| Noncurrent assets plus other real estate owned to assets | 8.0055% | 471 |
| Noncurrent loans to loans | 7.3733% | 642 |
| Net loans and leases to total assets | 80.5440% | 1,218 |
| Net loans and leases to deposits | 122.0044% | 200 |
| Net loans and leases to core deposits | 142.3255% | 922 |
| Total domestic deposits to total assets | 66.0173% | 7,739 |
| Equity capital to assets | 14.5302% | 1,152 |
| Core capital (leverage) ratio | 13.9346% | 1,152 |
| Tier 1 risk-based capital ratio | 19.5728% | 1,660 |
| Total risk-based capital ratio | 20.8303% | 1,621 |
| Memoranda: | ||
| Average total assets | $427,240,000 | 1,663 |
| Average earning assets | $394,899,330 | 1,645 |
| Average equity | $62,531,000 | 1,090 |
| Average total loans | $371,713,330 | 1,331 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2784% | 32 |
| Cost of funding earning assets | 3.7902% | 68 |
| Net interest margin | 7.4882% | 46 |
| Noninterest income to average assets | 0.9040% | 1,833 |
| Noninterest expense to average assets | 4.2854% | 864 |
| Loan and lease loss provision to assets | 2.4466% | 476 |
| Net operating income to assets | 0.7023% | 3,548 |
| Return on assets (ROA) | 0.7023% | 3,736 |
| Pretax return on assets | 1.0680% | 3,113 |
| Return on Equity (ROE) | 4.7798% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.7798% | 3,245 |
| Net charge-offs to loans | 1.9348% | 745 |
| Credit loss provision to net charge-offs | 140.8107% | 2,898 |
| Earnings coverage of net charge-offs (x) | 2.0228% | 3,709 |
| Efficiency ratio | 54.9412% | 7,109 |
| Assets per employee ($millions) | 2.4977% | 7,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 2,949 |
| Loan loss allowance to noncurrent loans | 23.0772% | 7,015 |
| Noncurrent assets plus other real estate owned to assets | 7.2061% | 458 |
| Noncurrent loans to loans | 6.5280% | 674 |
| Net loans and leases to total assets | 87.3309% | 316 |
| Net loans and leases to deposits | 156.5215% | 54 |
| Net loans and leases to core deposits | 189.0586% | 186 |
| Total domestic deposits to total assets | 55.7948% | 8,046 |
| Equity capital to assets | 14.6100% | 1,205 |
| Core capital (leverage) ratio | 15.1149% | 942 |
| Tier 1 risk-based capital ratio | 21.4372% | 1,379 |
| Total risk-based capital ratio | 22.6959% | 1,344 |
| Memoranda: | ||
| Average total assets | $414,621,500 | 1,713 |
| Average earning assets | $381,828,500 | 1,704 |
| Average equity | $60,923,500 | 1,127 |
| Average total loans | $372,347,000 | 1,350 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6190% | 35 |
| Cost of funding earning assets | 4.1452% | 60 |
| Net interest margin | 7.4738% | 46 |
| Noninterest income to average assets | 1.1697% | 1,129 |
| Noninterest expense to average assets | 4.4568% | 902 |
| Loan and lease loss provision to assets | 1.4551% | 934 |
| Net operating income to assets | 1.4590% | 1,106 |
| Return on assets (ROA) | 1.2770% | 1,502 |
| Pretax return on assets | 1.9135% | 745 |
| Return on Equity (ROE) | 8.3652% | 2,909 |
| Retained earnings to average equity (ytd only) | -1.4244% | 5,715 |
| Net charge-offs to loans | 1.2626% | 948 |
| Credit loss provision to net charge-offs | 127.3044% | 4,191 |
| Earnings coverage of net charge-offs (x) | 3.1846% | 4,494 |
| Efficiency ratio | 55.0435% | 7,146 |
| Assets per employee ($millions) | 2.3955% | 7,407 |
| Cash dividends to net income (ytd only)* | 117.0275% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 3,730 |
| Loan loss allowance to noncurrent loans | 22.2761% | 7,132 |
| Noncurrent assets plus other real estate owned to assets | 5.8795% | 520 |
| Noncurrent loans to loans | 5.8669% | 636 |
| Net loans and leases to total assets | 89.7804% | 211 |
| Net loans and leases to deposits | 158.7108% | 66 |
| Net loans and leases to core deposits | 193.2757% | 197 |
| Total domestic deposits to total assets | 56.5686% | 8,047 |
| Equity capital to assets | 14.7796% | 1,221 |
| Core capital (leverage) ratio | 14.9894% | 1,036 |
| Tier 1 risk-based capital ratio | 22.5432% | 1,246 |
| Total risk-based capital ratio | 23.8002% | 1,221 |
| Memoranda: | ||
| Average total assets | $401,473,200 | 1,695 |
| Average earning assets | $372,114,200 | 1,675 |
| Average equity | $61,289,600 | 1,097 |
| Average total loans | $363,442,000 | 1,333 |