Home > First PREMIER Bank > Performance and Condition Ratios
First PREMIER Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 1,415 |
| Cost of funding earning assets | 1.7171% | 1,413 |
| Net interest margin | 3.6212% | 1,931 |
| Noninterest income to average assets | 1.7700% | 311 |
| Noninterest expense to average assets | 3.0522% | 1,036 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.6232% | 835 |
| Return on assets (ROA) | 1.6063% | 826 |
| Pretax return on assets | 1.6792% | 1,100 |
| Return on Equity (ROE) | 12.9600% | 1,738 |
| Retained earnings to average equity (ytd only) | 9.1473% | 1,223 |
| Net charge-offs to loans | 0.1510% | 683 |
| Credit loss provision to net charge-offs | 179.6529% | 1,313 |
| Earnings coverage of net charge-offs (x) | 18.6274% | 1,928 |
| Efficiency ratio | 61.4258% | 2,916 |
| Assets per employee ($millions) | 7.8551% | 1,515 |
| Cash dividends to net income (ytd only)* | 29.4259% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 1,194 |
| Loan loss allowance to noncurrent loans | 1,662.9961% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,178 |
| Noncurrent loans to loans | 0.0873% | 3,106 |
| Net loans and leases to total assets | 67.3100% | 2,116 |
| Net loans and leases to deposits | 82.7854% | 1,889 |
| Net loans and leases to core deposits | 95.0621% | 1,704 |
| Total domestic deposits to total assets | 81.3100% | 3,256 |
| Equity capital to assets | 12.6836% | 948 |
| Core capital (leverage) ratio | 13.0192% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1876% | 764 |
| Memoranda: | ||
| Average total assets | $2,856,205,000 | 414 |
| Average earning assets | $2,520,636,600 | 419 |
| Average equity | $353,960,600 | 344 |
| Average total loans | $1,945,956,000 | 413 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1906% | 1,470 |
| Cost of funding earning assets | 1.5597% | 1,456 |
| Net interest margin | 3.6309% | 1,923 |
| Noninterest income to average assets | 1.7700% | 328 |
| Noninterest expense to average assets | 3.0409% | 1,004 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.6539% | 855 |
| Return on assets (ROA) | 1.6536% | 849 |
| Pretax return on assets | 1.7270% | 1,121 |
| Return on Equity (ROE) | 13.4300% | 1,814 |
| Retained earnings to average equity (ytd only) | 8.2446% | 1,876 |
| Net charge-offs to loans | 0.1052% | 754 |
| Credit loss provision to net charge-offs | 232.3432% | 1,027 |
| Earnings coverage of net charge-offs (x) | 27.0990% | 1,651 |
| Efficiency ratio | 61.0384% | 2,837 |
| Assets per employee ($millions) | 7.7342% | 1,488 |
| Cash dividends to net income (ytd only)* | 38.5979% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,248 |
| Loan loss allowance to noncurrent loans | 1,540.0524% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 3,173 |
| Noncurrent loans to loans | 0.0942% | 3,103 |
| Net loans and leases to total assets | 68.7000% | 1,973 |
| Net loans and leases to deposits | 86.1164% | 1,558 |
| Net loans and leases to core deposits | 96.2482% | 1,540 |
| Total domestic deposits to total assets | 79.7800% | 3,563 |
| Equity capital to assets | 12.0682% | 1,026 |
| Core capital (leverage) ratio | 12.9473% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7191% | 856 |
| Memoranda: | ||
| Average total assets | $2,820,097,750 | 419 |
| Average earning assets | $2,497,527,250 | 422 |
| Average equity | $347,303,750 | 352 |
| Average total loans | $1,920,067,000 | 420 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 1,558 |
| Cost of funding earning assets | 1.3155% | 1,666 |
| Net interest margin | 3.6890% | 1,840 |
| Noninterest income to average assets | 1.7700% | 275 |
| Noninterest expense to average assets | 3.0907% | 916 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.6349% | 898 |
| Return on assets (ROA) | 1.6350% | 900 |
| Pretax return on assets | 1.7194% | 1,173 |
| Return on Equity (ROE) | 13.1800% | 1,865 |
| Retained earnings to average equity (ytd only) | 7.5784% | 2,103 |
| Net charge-offs to loans | 0.1120% | 631 |
| Credit loss provision to net charge-offs | 202.8436% | 1,042 |
| Earnings coverage of net charge-offs (x) | 25.7175% | 1,621 |
| Efficiency ratio | 61.3829% | 2,793 |
| Assets per employee ($millions) | 7.4097% | 1,652 |
| Cash dividends to net income (ytd only)* | 42.5178% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,360 |
| Loan loss allowance to noncurrent loans | 2,758.4705% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 3,194 |
| Noncurrent loans to loans | 0.0525% | 3,326 |
| Net loans and leases to total assets | 67.2200% | 2,041 |
| Net loans and leases to deposits | 83.0800% | 1,754 |
| Net loans and leases to core deposits | 91.9043% | 1,691 |
| Total domestic deposits to total assets | 80.9100% | 3,442 |
| Equity capital to assets | 12.1656% | 1,005 |
| Core capital (leverage) ratio | 12.9811% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7009% | 856 |
| Memoranda: | ||
| Average total assets | $2,790,781,667 | 407 |
| Average earning assets | $2,470,671,667 | 414 |
| Average equity | $346,088,333 | 345 |
| Average total loans | $1,884,340,000 | 409 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8458% | 1,512 |
| Cost of funding earning assets | 1.0717% | 1,833 |
| Net interest margin | 3.7742% | 1,738 |
| Noninterest income to average assets | 1.7400% | 280 |
| Noninterest expense to average assets | 3.1567% | 853 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.6967% | 828 |
| Return on assets (ROA) | 1.6965% | 824 |
| Pretax return on assets | 1.7791% | 1,111 |
| Return on Equity (ROE) | 13.5400% | 1,871 |
| Retained earnings to average equity (ytd only) | 9.8219% | 1,738 |
| Net charge-offs to loans | 0.0935% | 618 |
| Credit loss provision to net charge-offs | 41.7633% | 1,313 |
| Earnings coverage of net charge-offs (x) | 30.4896% | 1,299 |
| Efficiency ratio | 62.2428% | 2,655 |
| Assets per employee ($millions) | 7.2134% | 1,809 |
| Cash dividends to net income (ytd only)* | 27.4867% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,395 |
| Loan loss allowance to noncurrent loans | 3,089.7611% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,239 |
| Noncurrent loans to loans | 0.0473% | 3,398 |
| Net loans and leases to total assets | 66.8700% | 1,960 |
| Net loans and leases to deposits | 80.1019% | 1,810 |
| Net loans and leases to core deposits | 88.4488% | 1,714 |
| Total domestic deposits to total assets | 83.4800% | 3,203 |
| Equity capital to assets | 12.7476% | 817 |
| Core capital (leverage) ratio | 13.3969% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3720% | 799 |
| Memoranda: | ||
| Average total assets | $2,744,990,000 | 428 |
| Average earning assets | $2,423,855,000 | 435 |
| Average equity | $343,804,000 | 357 |
| Average total loans | $1,843,450,000 | 425 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5478% | 2,950 |
| Cost of funding earning assets | 0.4060% | 2,047 |
| Net interest margin | 3.1418% | 3,054 |
| Noninterest income to average assets | 1.5700% | 329 |
| Noninterest expense to average assets | 2.6262% | 1,750 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.5623% | 755 |
| Return on assets (ROA) | 1.5499% | 751 |
| Pretax return on assets | 1.6252% | 1,099 |
| Return on Equity (ROE) | 14.2100% | 1,487 |
| Retained earnings to average equity (ytd only) | 9.8361% | 1,209 |
| Net charge-offs to loans | 0.0383% | 1,329 |
| Credit loss provision to net charge-offs | 694.4444% | 546 |
| Earnings coverage of net charge-offs (x) | 84.2762% | 1,064 |
| Efficiency ratio | 59.5312% | 3,117 |
| Assets per employee ($millions) | 7.2530% | 1,788 |
| Cash dividends to net income (ytd only)* | 30.7939% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,196 |
| Loan loss allowance to noncurrent loans | 5,281.3102% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 3,259 |
| Noncurrent loans to loans | 0.0284% | 3,584 |
| Net loans and leases to total assets | 65.4600% | 2,095 |
| Net loans and leases to deposits | 76.1071% | 2,089 |
| Net loans and leases to core deposits | 82.8092% | 1,944 |
| Total domestic deposits to total assets | 86.0100% | 2,720 |
| Equity capital to assets | 12.3026% | 850 |
| Core capital (leverage) ratio | 12.9282% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2114% | 804 |
| Memoranda: | ||
| Average total assets | $3,058,957,800 | 388 |
| Average earning assets | $2,766,819,800 | 389 |
| Average equity | $333,587,600 | 356 |
| Average total loans | $1,692,489,800 | 431 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2159% | 3,395 |
| Cost of funding earning assets | 0.3248% | 1,916 |
| Net interest margin | 2.8910% | 3,516 |
| Noninterest income to average assets | 1.5500% | 348 |
| Noninterest expense to average assets | 2.5196% | 1,957 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.4485% | 958 |
| Return on assets (ROA) | 1.4330% | 975 |
| Pretax return on assets | 1.5022% | 1,402 |
| Return on Equity (ROE) | 13.5200% | 1,558 |
| Retained earnings to average equity (ytd only) | 7.6648% | 2,125 |
| Net charge-offs to loans | 0.0004% | 2,330 |
| Credit loss provision to net charge-offs | 66,400.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 7,808.2000% | 7 |
| Efficiency ratio | 60.2891% | 3,080 |
| Assets per employee ($millions) | 7.0627% | 1,897 |
| Cash dividends to net income (ytd only)* | 43.3093% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,291 |
| Loan loss allowance to noncurrent loans | 5,621.9665% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 3,343 |
| Noncurrent loans to loans | 0.0267% | 3,711 |
| Net loans and leases to total assets | 66.1000% | 1,883 |
| Net loans and leases to deposits | 81.0498% | 1,519 |
| Net loans and leases to core deposits | 87.0783% | 1,460 |
| Total domestic deposits to total assets | 81.5600% | 3,897 |
| Equity capital to assets | 11.9397% | 897 |
| Core capital (leverage) ratio | 12.6800% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9506% | 869 |
| Memoranda: | ||
| Average total assets | $3,136,476,750 | 380 |
| Average earning assets | $2,855,472,500 | 376 |
| Average equity | $332,438,250 | 363 |
| Average total loans | $1,658,924,500 | 435 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8441% | 3,908 |
| Cost of funding earning assets | 0.2650% | 2,090 |
| Net interest margin | 2.5791% | 3,944 |
| Noninterest income to average assets | 1.4330% | 355 |
| Noninterest expense to average assets | 2.3489% | 2,403 |
| Loan and lease loss provision to assets | 0.0930% | 1,068 |
| Net operating income to assets | 1.2901% | 1,163 |
| Return on assets (ROA) | 1.2878% | 1,158 |
| Pretax return on assets | 1.3494% | 1,586 |
| Return on Equity (ROE) | 12.5804% | 1,498 |
| Retained earnings to average equity (ytd only) | 5.8148% | 2,397 |
| Net charge-offs to loans | -0.0375% | 4,128 |
| Credit loss provision to net charge-offs | -504.9505% | 3,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9159% | 3,055 |
| Assets per employee ($millions) | 9.2447% | 820 |
| Cash dividends to net income (ytd only)* | 53.7787% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,403 |
| Loan loss allowance to noncurrent loans | 1,971.3509% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,333 |
| Noncurrent loans to loans | 0.0761% | 3,412 |
| Net loans and leases to total assets | 47.5780% | 3,586 |
| Net loans and leases to deposits | 52.6050% | 3,640 |
| Net loans and leases to core deposits | 55.4926% | 3,611 |
| Total domestic deposits to total assets | 90.4439% | 1,495 |
| Equity capital to assets | 9.0770% | 2,338 |
| Core capital (leverage) ratio | 12.3051% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4491% | 789 |
| Memoranda: | ||
| Average total assets | $3,292,064,667 | 357 |
| Average earning assets | $3,013,361,000 | 357 |
| Average equity | $336,999,333 | 361 |
| Average total loans | $1,614,700,000 | 436 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8133% | 3,722 |
| Cost of funding earning assets | 0.2568% | 2,074 |
| Net interest margin | 2.5564% | 3,771 |
| Noninterest income to average assets | 1.5625% | 337 |
| Noninterest expense to average assets | 2.5260% | 1,814 |
| Loan and lease loss provision to assets | 0.0251% | 1,912 |
| Net operating income to assets | 1.2872% | 1,026 |
| Return on assets (ROA) | 1.2858% | 1,022 |
| Pretax return on assets | 1.3493% | 1,378 |
| Return on Equity (ROE) | 11.8240% | 1,377 |
| Retained earnings to average equity (ytd only) | 6.0517% | 2,237 |
| Net charge-offs to loans | 0.0165% | 1,205 |
| Credit loss provision to net charge-offs | 307.6923% | 656 |
| Earnings coverage of net charge-offs (x) | 168.6154% | 486 |
| Efficiency ratio | 64.7373% | 2,941 |
| Assets per employee ($millions) | 9.3388% | 811 |
| Cash dividends to net income (ytd only)* | 48.8186% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,549 |
| Loan loss allowance to noncurrent loans | 1,772.1017% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,398 |
| Noncurrent loans to loans | 0.0846% | 3,416 |
| Net loans and leases to total assets | 44.6680% | 3,691 |
| Net loans and leases to deposits | 49.6983% | 3,754 |
| Net loans and leases to core deposits | 52.8802% | 3,673 |
| Total domestic deposits to total assets | 89.8783% | 1,640 |
| Equity capital to assets | 9.6637% | 2,166 |
| Core capital (leverage) ratio | 12.1445% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3776% | 710 |
| Memoranda: | ||
| Average total assets | $3,186,235,500 | 369 |
| Average earning assets | $2,915,765,000 | 370 |
| Average equity | $346,482,000 | 363 |
| Average total loans | $1,575,854,500 | 443 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0998% | 3,683 |
| Cost of funding earning assets | 0.3042% | 2,373 |
| Net interest margin | 2.7956% | 3,672 |
| Noninterest income to average assets | 1.8745% | 349 |
| Noninterest expense to average assets | 2.6734% | 1,707 |
| Loan and lease loss provision to assets | 0.0634% | 1,804 |
| Net operating income to assets | 1.5735% | 872 |
| Return on assets (ROA) | 1.5732% | 901 |
| Pretax return on assets | 1.6504% | 1,271 |
| Return on Equity (ROE) | 13.9962% | 1,188 |
| Retained earnings to average equity (ytd only) | 10.5895% | 784 |
| Net charge-offs to loans | 0.0019% | 2,576 |
| Credit loss provision to net charge-offs | 6,400.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 1,730.9333% | 85 |
| Efficiency ratio | 60.9314% | 3,005 |
| Assets per employee ($millions) | 7.8083% | 1,436 |
| Cash dividends to net income (ytd only)* | 24.3406% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 1,562 |
| Loan loss allowance to noncurrent loans | 1,697.2622% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 3,369 |
| Noncurrent loans to loans | 0.0883% | 3,494 |
| Net loans and leases to total assets | 53.5983% | 2,897 |
| Net loans and leases to deposits | 61.6198% | 2,923 |
| Net loans and leases to core deposits | 67.0824% | 2,726 |
| Total domestic deposits to total assets | 86.9823% | 2,527 |
| Equity capital to assets | 12.3341% | 1,116 |
| Core capital (leverage) ratio | 11.6751% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1980% | 734 |
| Memoranda: | ||
| Average total assets | $3,029,379,200 | 373 |
| Average earning assets | $2,723,196,800 | 376 |
| Average equity | $340,498,400 | 363 |
| Average total loans | $1,555,734,400 | 457 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0203% | 3,970 |
| Cost of funding earning assets | 0.3084% | 2,517 |
| Net interest margin | 2.7119% | 3,943 |
| Noninterest income to average assets | 1.7720% | 409 |
| Noninterest expense to average assets | 2.5737% | 1,919 |
| Loan and lease loss provision to assets | 0.0627% | 1,746 |
| Net operating income to assets | 1.4920% | 1,290 |
| Return on assets (ROA) | 1.4918% | 1,336 |
| Pretax return on assets | 1.5657% | 1,805 |
| Return on Equity (ROE) | 13.5839% | 1,527 |
| Retained earnings to average equity (ytd only) | 8.9882% | 1,698 |
| Net charge-offs to loans | -0.0228% | 4,015 |
| Credit loss provision to net charge-offs | -543.3962% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2439% | 2,795 |
| Assets per employee ($millions) | 9.2577% | 822 |
| Cash dividends to net income (ytd only)* | 33.8321% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,715 |
| Loan loss allowance to noncurrent loans | 2,632.0946% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,777 |
| Noncurrent loans to loans | 0.0562% | 3,825 |
| Net loans and leases to total assets | 44.9897% | 3,868 |
| Net loans and leases to deposits | 50.3137% | 3,998 |
| Net loans and leases to core deposits | 54.0700% | 3,914 |
| Total domestic deposits to total assets | 89.4183% | 1,057 |
| Equity capital to assets | 10.0548% | 2,851 |
| Core capital (leverage) ratio | 11.3463% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9075% | 828 |
| Memoranda: | ||
| Average total assets | $3,064,453,250 | 370 |
| Average earning assets | $2,746,252,500 | 377 |
| Average equity | $336,537,750 | 365 |
| Average total loans | $1,551,653,750 | 464 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0777% | 3,911 |
| Cost of funding earning assets | 0.3339% | 2,454 |
| Net interest margin | 2.7438% | 3,892 |
| Noninterest income to average assets | 1.8209% | 382 |
| Noninterest expense to average assets | 2.6586% | 1,695 |
| Loan and lease loss provision to assets | 0.0887% | 1,396 |
| Net operating income to assets | 1.4407% | 1,447 |
| Return on assets (ROA) | 1.4403% | 1,517 |
| Pretax return on assets | 1.5105% | 1,985 |
| Return on Equity (ROE) | 12.6936% | 1,824 |
| Retained earnings to average equity (ytd only) | 7.4031% | 2,289 |
| Net charge-offs to loans | -0.0209% | 4,014 |
| Credit loss provision to net charge-offs | -807.4534% | 3,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4361% | 2,671 |
| Assets per employee ($millions) | 8.0163% | 1,202 |
| Cash dividends to net income (ytd only)* | 41.6785% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 1,761 |
| Loan loss allowance to noncurrent loans | 2,018.2373% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 3,742 |
| Noncurrent loans to loans | 0.0719% | 3,827 |
| Net loans and leases to total assets | 52.1099% | 3,330 |
| Net loans and leases to deposits | 58.9849% | 3,463 |
| Net loans and leases to core deposits | 64.4363% | 3,251 |
| Total domestic deposits to total assets | 88.3446% | 1,648 |
| Equity capital to assets | 11.1528% | 1,869 |
| Core capital (leverage) ratio | 10.9997% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6233% | 866 |
| Memoranda: | ||
| Average total assets | $2,931,809,667 | 381 |
| Average earning assets | $2,604,093,667 | 391 |
| Average equity | $332,671,333 | 367 |
| Average total loans | $1,541,842,000 | 469 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1028% | 3,876 |
| Cost of funding earning assets | 0.3447% | 2,568 |
| Net interest margin | 2.7581% | 3,854 |
| Noninterest income to average assets | 1.8739% | 414 |
| Noninterest expense to average assets | 2.6094% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6314% | 1,059 |
| Return on assets (ROA) | 1.6309% | 1,113 |
| Pretax return on assets | 1.7206% | 1,447 |
| Return on Equity (ROE) | 14.2460% | 1,385 |
| Retained earnings to average equity (ytd only) | 11.1033% | 1,377 |
| Net charge-offs to loans | -0.0620% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2556% | 3,003 |
| Assets per employee ($millions) | 8.4173% | 1,024 |
| Cash dividends to net income (ytd only)* | 22.0601% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,777 |
| Loan loss allowance to noncurrent loans | 1,084.8440% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,915 |
| Noncurrent loans to loans | 0.1337% | 3,646 |
| Net loans and leases to total assets | 47.5299% | 3,856 |
| Net loans and leases to deposits | 53.4511% | 3,977 |
| Net loans and leases to core deposits | 58.5883% | 3,797 |
| Total domestic deposits to total assets | 88.9221% | 1,381 |
| Equity capital to assets | 10.6650% | 2,120 |
| Core capital (leverage) ratio | 11.5664% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0825% | 674 |
| Memoranda: | ||
| Average total assets | $2,890,658,500 | 384 |
| Average earning assets | $2,574,699,500 | 393 |
| Average equity | $330,928,000 | 365 |
| Average total loans | $1,515,872,500 | 476 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5971% | 3,821 |
| Cost of funding earning assets | 0.4885% | 3,021 |
| Net interest margin | 3.1086% | 3,610 |
| Noninterest income to average assets | 2.0406% | 320 |
| Noninterest expense to average assets | 2.9090% | 1,661 |
| Loan and lease loss provision to assets | 0.5164% | 459 |
| Net operating income to assets | 1.2913% | 1,274 |
| Return on assets (ROA) | 1.2923% | 1,371 |
| Pretax return on assets | 1.3574% | 1,792 |
| Return on Equity (ROE) | 10.2530% | 1,909 |
| Retained earnings to average equity (ytd only) | 6.8744% | 1,439 |
| Net charge-offs to loans | 0.7373% | 198 |
| Credit loss provision to net charge-offs | 121.3674% | 2,624 |
| Earnings coverage of net charge-offs (x) | 4.4014% | 2,991 |
| Efficiency ratio | 60.8348% | 3,344 |
| Assets per employee ($millions) | 7.1431% | 1,484 |
| Cash dividends to net income (ytd only)* | 32.9519% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,871 |
| Loan loss allowance to noncurrent loans | 498.9178% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 3,451 |
| Noncurrent loans to loans | 0.2854% | 3,178 |
| Net loans and leases to total assets | 56.5983% | 3,239 |
| Net loans and leases to deposits | 65.0485% | 3,356 |
| Net loans and leases to core deposits | 73.5069% | 2,953 |
| Total domestic deposits to total assets | 87.0094% | 1,943 |
| Equity capital to assets | 12.3735% | 1,379 |
| Core capital (leverage) ratio | 11.2457% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1804% | 648 |
| Memoranda: | ||
| Average total assets | $2,468,131,200 | 403 |
| Average earning assets | $2,176,477,000 | 412 |
| Average equity | $311,081,200 | 353 |
| Average total loans | $1,424,424,600 | 469 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 4,017 |
| Cost of funding earning assets | 0.5072% | 3,174 |
| Net interest margin | 3.0894% | 3,761 |
| Noninterest income to average assets | 1.9923% | 319 |
| Noninterest expense to average assets | 2.8386% | 1,857 |
| Loan and lease loss provision to assets | 0.6591% | 354 |
| Net operating income to assets | 1.1551% | 1,803 |
| Return on assets (ROA) | 1.1565% | 1,913 |
| Pretax return on assets | 1.2153% | 2,342 |
| Return on Equity (ROE) | 9.1301% | 2,342 |
| Retained earnings to average equity (ytd only) | 4.5638% | 2,764 |
| Net charge-offs to loans | 0.9336% | 143 |
| Credit loss provision to net charge-offs | 122.1542% | 2,490 |
| Earnings coverage of net charge-offs (x) | 3.4713% | 2,910 |
| Efficiency ratio | 60.2474% | 3,354 |
| Assets per employee ($millions) | 7.8652% | 1,053 |
| Cash dividends to net income (ytd only)* | 50.0143% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 1,767 |
| Loan loss allowance to noncurrent loans | 409.0152% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 3,512 |
| Noncurrent loans to loans | 0.3403% | 3,061 |
| Net loans and leases to total assets | 53.1417% | 3,878 |
| Net loans and leases to deposits | 60.6731% | 4,014 |
| Net loans and leases to core deposits | 67.9671% | 3,759 |
| Total domestic deposits to total assets | 87.5869% | 1,402 |
| Equity capital to assets | 11.0163% | 2,385 |
| Core capital (leverage) ratio | 11.0622% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8928% | 691 |
| Memoranda: | ||
| Average total assets | $2,422,643,250 | 401 |
| Average earning assets | $2,132,494,000 | 412 |
| Average equity | $306,874,250 | 353 |
| Average total loans | $1,400,138,000 | 469 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 3,898 |
| Cost of funding earning assets | 0.5591% | 3,185 |
| Net interest margin | 3.2264% | 3,592 |
| Noninterest income to average assets | 1.9980% | 289 |
| Noninterest expense to average assets | 2.9375% | 1,744 |
| Loan and lease loss provision to assets | 0.9324% | 232 |
| Net operating income to assets | 0.8961% | 2,701 |
| Return on assets (ROA) | 0.8983% | 2,817 |
| Pretax return on assets | 0.9456% | 3,193 |
| Return on Equity (ROE) | 6.7218% | 3,241 |
| Retained earnings to average equity (ytd only) | 1.5086% | 3,933 |
| Net charge-offs to loans | 1.4053% | 92 |
| Credit loss provision to net charge-offs | 111.6196% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2.2454% | 2,793 |
| Efficiency ratio | 61.0303% | 3,271 |
| Assets per employee ($millions) | 7.2376% | 1,300 |
| Cash dividends to net income (ytd only)* | 77.5566% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 1,629 |
| Loan loss allowance to noncurrent loans | 330.6912% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 3,383 |
| Noncurrent loans to loans | 0.4199% | 2,908 |
| Net loans and leases to total assets | 55.1778% | 3,761 |
| Net loans and leases to deposits | 63.5253% | 3,917 |
| Net loans and leases to core deposits | 72.3015% | 3,574 |
| Total domestic deposits to total assets | 86.8595% | 1,677 |
| Equity capital to assets | 11.7032% | 1,832 |
| Core capital (leverage) ratio | 11.9292% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1802% | 653 |
| Memoranda: | ||
| Average total assets | $2,270,639,000 | 411 |
| Average earning assets | $1,981,187,000 | 432 |
| Average equity | $303,459,000 | 354 |
| Average total loans | $1,349,729,667 | 482 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 3,198 |
| Cost of funding earning assets | 0.6666% | 3,078 |
| Net interest margin | 3.5363% | 2,863 |
| Noninterest income to average assets | 2.0878% | 251 |
| Noninterest expense to average assets | 3.0656% | 1,734 |
| Loan and lease loss provision to assets | 1.6989% | 88 |
| Net operating income to assets | 0.3630% | 4,210 |
| Return on assets (ROA) | 0.3676% | 4,240 |
| Pretax return on assets | 0.3885% | 4,311 |
| Return on Equity (ROE) | 2.5495% | 4,328 |
| Retained earnings to average equity (ytd only) | -1.2295% | 4,170 |
| Net charge-offs to loans | 2.8412% | 45 |
| Credit loss provision to net charge-offs | 96.9883% | 1,872 |
| Earnings coverage of net charge-offs (x) | 1.1889% | 2,412 |
| Efficiency ratio | 59.5469% | 3,805 |
| Assets per employee ($millions) | 5.9459% | 1,725 |
| Cash dividends to net income (ytd only)* | 148.2255% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,346 |
| Loan loss allowance to noncurrent loans | 288.3886% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 3,191 |
| Noncurrent loans to loans | 0.5202% | 2,704 |
| Net loans and leases to total assets | 59.0691% | 3,588 |
| Net loans and leases to deposits | 70.0610% | 3,587 |
| Net loans and leases to core deposits | 82.2437% | 3,004 |
| Total domestic deposits to total assets | 84.3110% | 2,666 |
| Equity capital to assets | 14.0639% | 1,035 |
| Core capital (leverage) ratio | 14.2649% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4786% | 597 |
| Memoranda: | ||
| Average total assets | $2,085,105,000 | 432 |
| Average earning assets | $1,804,486,500 | 454 |
| Average equity | $300,606,000 | 354 |
| Average total loans | $1,285,514,000 | 483 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 1,995 |
| Cost of funding earning assets | 0.7948% | 2,712 |
| Net interest margin | 4.0213% | 1,781 |
| Noninterest income to average assets | 2.2835% | 221 |
| Noninterest expense to average assets | 3.3416% | 1,224 |
| Loan and lease loss provision to assets | 0.2484% | 743 |
| Net operating income to assets | 1.9923% | 363 |
| Return on assets (ROA) | 1.9966% | 371 |
| Pretax return on assets | 2.0986% | 478 |
| Return on Equity (ROE) | 13.2282% | 1,102 |
| Retained earnings to average equity (ytd only) | 9.3973% | 616 |
| Net charge-offs to loans | 0.3092% | 669 |
| Credit loss provision to net charge-offs | 118.9402% | 2,130 |
| Earnings coverage of net charge-offs (x) | 11.2165% | 2,515 |
| Efficiency ratio | 58.7897% | 3,868 |
| Assets per employee ($millions) | 5.8835% | 1,725 |
| Cash dividends to net income (ytd only)* | 28.9601% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,232 |
| Loan loss allowance to noncurrent loans | 463.8013% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 3,644 |
| Noncurrent loans to loans | 0.3235% | 3,280 |
| Net loans and leases to total assets | 62.4561% | 3,361 |
| Net loans and leases to deposits | 74.0119% | 3,352 |
| Net loans and leases to core deposits | 88.1377% | 2,587 |
| Total domestic deposits to total assets | 84.3866% | 2,723 |
| Equity capital to assets | 14.7848% | 854 |
| Core capital (leverage) ratio | 14.2547% | 862 |
| Tier 1 risk-based capital ratio | 21.2134% | 1,127 |
| Total risk-based capital ratio | 22.4649% | 1,108 |
| Memoranda: | ||
| Average total assets | $1,888,576,200 | 445 |
| Average earning assets | $1,597,024,600 | 488 |
| Average equity | $285,050,800 | 356 |
| Average total loans | $1,275,613,400 | 473 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 1,925 |
| Cost of funding earning assets | 0.8140% | 2,638 |
| Net interest margin | 4.0530% | 1,750 |
| Noninterest income to average assets | 2.2228% | 225 |
| Noninterest expense to average assets | 3.3569% | 1,166 |
| Loan and lease loss provision to assets | 0.2184% | 787 |
| Net operating income to assets | 1.9629% | 426 |
| Return on assets (ROA) | 1.9677% | 441 |
| Pretax return on assets | 2.0681% | 592 |
| Return on Equity (ROE) | 12.9640% | 1,289 |
| Retained earnings to average equity (ytd only) | 7.7799% | 1,501 |
| Net charge-offs to loans | 0.2133% | 828 |
| Credit loss provision to net charge-offs | 149.0900% | 1,645 |
| Earnings coverage of net charge-offs (x) | 15.5730% | 2,177 |
| Efficiency ratio | 59.5384% | 3,724 |
| Assets per employee ($millions) | 5.5100% | 2,022 |
| Cash dividends to net income (ytd only)* | 39.9883% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,250 |
| Loan loss allowance to noncurrent loans | 914.6908% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 4,121 |
| Noncurrent loans to loans | 0.1641% | 3,956 |
| Net loans and leases to total assets | 65.4655% | 3,117 |
| Net loans and leases to deposits | 77.4644% | 3,158 |
| Net loans and leases to core deposits | 92.6961% | 2,299 |
| Total domestic deposits to total assets | 84.5104% | 2,625 |
| Equity capital to assets | 14.7703% | 911 |
| Core capital (leverage) ratio | 14.3110% | 903 |
| Tier 1 risk-based capital ratio | 20.2642% | 1,329 |
| Total risk-based capital ratio | 21.5158% | 1,292 |
| Memoranda: | ||
| Average total assets | $1,850,325,750 | 456 |
| Average earning assets | $1,559,261,750 | 494 |
| Average equity | $280,852,750 | 365 |
| Average total loans | $1,270,888,000 | 477 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 1,815 |
| Cost of funding earning assets | 0.8264% | 2,516 |
| Net interest margin | 4.0537% | 1,750 |
| Noninterest income to average assets | 2.1749% | 233 |
| Noninterest expense to average assets | 3.3304% | 1,230 |
| Loan and lease loss provision to assets | 0.2134% | 786 |
| Net operating income to assets | 1.9335% | 442 |
| Return on assets (ROA) | 1.9359% | 464 |
| Pretax return on assets | 2.0344% | 636 |
| Return on Equity (ROE) | 12.6309% | 1,359 |
| Retained earnings to average equity (ytd only) | 6.8044% | 1,899 |
| Net charge-offs to loans | 0.2138% | 778 |
| Credit loss provision to net charge-offs | 143.6756% | 1,543 |
| Earnings coverage of net charge-offs (x) | 15.1153% | 2,004 |
| Efficiency ratio | 59.7308% | 3,774 |
| Assets per employee ($millions) | 5.0375% | 2,431 |
| Cash dividends to net income (ytd only)* | 46.1293% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,278 |
| Loan loss allowance to noncurrent loans | 788.8616% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 4,036 |
| Noncurrent loans to loans | 0.1902% | 3,874 |
| Net loans and leases to total assets | 69.1607% | 2,650 |
| Net loans and leases to deposits | 82.4608% | 2,678 |
| Net loans and leases to core deposits | 100.1301% | 1,712 |
| Total domestic deposits to total assets | 83.8710% | 2,921 |
| Equity capital to assets | 15.5447% | 700 |
| Core capital (leverage) ratio | 14.6140% | 795 |
| Tier 1 risk-based capital ratio | 20.1029% | 1,334 |
| Total risk-based capital ratio | 21.3544% | 1,300 |
| Memoranda: | ||
| Average total assets | $1,809,573,670 | 465 |
| Average earning assets | $1,518,118,330 | 504 |
| Average equity | $277,351,330 | 366 |
| Average total loans | $1,257,505,330 | 480 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 1,744 |
| Cost of funding earning assets | 0.8179% | 2,436 |
| Net interest margin | 4.0373% | 1,722 |
| Noninterest income to average assets | 2.0955% | 234 |
| Noninterest expense to average assets | 3.2555% | 1,374 |
| Loan and lease loss provision to assets | 0.0758% | 2,168 |
| Net operating income to assets | 2.0505% | 355 |
| Return on assets (ROA) | 2.0517% | 370 |
| Pretax return on assets | 2.1548% | 483 |
| Return on Equity (ROE) | 13.4838% | 1,088 |
| Retained earnings to average equity (ytd only) | 9.9788% | 1,038 |
| Net charge-offs to loans | 0.1132% | 1,055 |
| Credit loss provision to net charge-offs | 96.8750% | 1,654 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,358 |
| Efficiency ratio | 59.3550% | 3,896 |
| Assets per employee ($millions) | 5.2541% | 2,222 |
| Cash dividends to net income (ytd only)* | 25.9937% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,337 |
| Loan loss allowance to noncurrent loans | 640.5628% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 3,971 |
| Noncurrent loans to loans | 0.2343% | 3,736 |
| Net loans and leases to total assets | 66.6297% | 2,958 |
| Net loans and leases to deposits | 78.9486% | 2,956 |
| Net loans and leases to core deposits | 95.4949% | 1,971 |
| Total domestic deposits to total assets | 84.3963% | 2,903 |
| Equity capital to assets | 15.1483% | 726 |
| Core capital (leverage) ratio | 14.8690% | 727 |
| Tier 1 risk-based capital ratio | 20.5531% | 1,239 |
| Total risk-based capital ratio | 21.8046% | 1,215 |
| Memoranda: | ||
| Average total assets | $1,800,050,000 | 469 |
| Average earning assets | $1,511,101,500 | 509 |
| Average equity | $273,900,000 | 371 |
| Average total loans | $1,244,282,500 | 485 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 1,974 |
| Cost of funding earning assets | 0.6300% | 2,524 |
| Net interest margin | 4.0252% | 1,906 |
| Noninterest income to average assets | 2.1803% | 238 |
| Noninterest expense to average assets | 3.3493% | 1,226 |
| Loan and lease loss provision to assets | 0.3111% | 516 |
| Net operating income to assets | 1.8644% | 486 |
| Return on assets (ROA) | 1.8644% | 486 |
| Pretax return on assets | 1.9602% | 612 |
| Return on Equity (ROE) | 12.6543% | 1,485 |
| Retained earnings to average equity (ytd only) | 8.4976% | 1,048 |
| Net charge-offs to loans | 0.2762% | 701 |
| Credit loss provision to net charge-offs | 166.2058% | 1,679 |
| Earnings coverage of net charge-offs (x) | 12.1343% | 2,563 |
| Efficiency ratio | 59.5897% | 3,931 |
| Assets per employee ($millions) | 5.0319% | 2,456 |
| Cash dividends to net income (ytd only)* | 32.8481% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,287 |
| Loan loss allowance to noncurrent loans | 576.2728% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 3,831 |
| Noncurrent loans to loans | 0.2604% | 3,644 |
| Net loans and leases to total assets | 69.6099% | 2,628 |
| Net loans and leases to deposits | 86.0653% | 2,263 |
| Net loans and leases to core deposits | 104.5613% | 1,371 |
| Total domestic deposits to total assets | 80.8804% | 3,921 |
| Equity capital to assets | 15.2871% | 648 |
| Core capital (leverage) ratio | 14.5972% | 775 |
| Tier 1 risk-based capital ratio | 19.9336% | 1,319 |
| Total risk-based capital ratio | 21.1850% | 1,290 |
| Memoranda: | ||
| Average total assets | $1,738,966,400 | 473 |
| Average earning assets | $1,486,294,800 | 503 |
| Average equity | $256,213,800 | 382 |
| Average total loans | $1,178,432,000 | 492 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 2,156 |
| Cost of funding earning assets | 0.5836% | 2,598 |
| Net interest margin | 3.9570% | 2,098 |
| Noninterest income to average assets | 2.1479% | 248 |
| Noninterest expense to average assets | 3.3431% | 1,215 |
| Loan and lease loss provision to assets | 0.2661% | 577 |
| Net operating income to assets | 1.8426% | 563 |
| Return on assets (ROA) | 1.8426% | 560 |
| Pretax return on assets | 1.9367% | 756 |
| Return on Equity (ROE) | 12.6267% | 1,570 |
| Retained earnings to average equity (ytd only) | 7.0133% | 2,122 |
| Net charge-offs to loans | 0.1781% | 936 |
| Credit loss provision to net charge-offs | 222.9381% | 1,280 |
| Earnings coverage of net charge-offs (x) | 18.4523% | 2,053 |
| Efficiency ratio | 60.2813% | 3,780 |
| Assets per employee ($millions) | 4.8393% | 2,671 |
| Cash dividends to net income (ytd only)* | 44.4565% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,342 |
| Loan loss allowance to noncurrent loans | 560.8643% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 3,895 |
| Noncurrent loans to loans | 0.2675% | 3,728 |
| Net loans and leases to total assets | 71.6464% | 2,381 |
| Net loans and leases to deposits | 87.4680% | 2,216 |
| Net loans and leases to core deposits | 104.7212% | 1,399 |
| Total domestic deposits to total assets | 81.9115% | 3,641 |
| Equity capital to assets | 15.2998% | 661 |
| Core capital (leverage) ratio | 14.6859% | 780 |
| Tier 1 risk-based capital ratio | 19.5430% | 1,430 |
| Total risk-based capital ratio | 20.7944% | 1,395 |
| Memoranda: | ||
| Average total assets | $1,733,419,750 | 472 |
| Average earning assets | $1,488,547,750 | 498 |
| Average equity | $252,959,750 | 381 |
| Average total loans | $1,161,886,500 | 495 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 2,384 |
| Cost of funding earning assets | 0.5496% | 2,613 |
| Net interest margin | 3.8587% | 2,350 |
| Noninterest income to average assets | 2.0862% | 259 |
| Noninterest expense to average assets | 3.3138% | 1,286 |
| Loan and lease loss provision to assets | 0.2860% | 490 |
| Net operating income to assets | 1.7193% | 698 |
| Return on assets (ROA) | 1.7194% | 700 |
| Pretax return on assets | 1.8064% | 947 |
| Return on Equity (ROE) | 11.9691% | 1,735 |
| Retained earnings to average equity (ytd only) | 5.3993% | 2,875 |
| Net charge-offs to loans | 0.1799% | 873 |
| Credit loss provision to net charge-offs | 243.9024% | 1,160 |
| Earnings coverage of net charge-offs (x) | 17.8429% | 1,934 |
| Efficiency ratio | 61.2980% | 3,725 |
| Assets per employee ($millions) | 4.9732% | 2,457 |
| Cash dividends to net income (ytd only)* | 54.8902% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,392 |
| Loan loss allowance to noncurrent loans | 825.5505% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 4,290 |
| Noncurrent loans to loans | 0.1818% | 4,091 |
| Net loans and leases to total assets | 67.4788% | 2,949 |
| Net loans and leases to deposits | 79.4916% | 3,003 |
| Net loans and leases to core deposits | 92.5325% | 2,351 |
| Total domestic deposits to total assets | 84.8880% | 2,714 |
| Equity capital to assets | 14.4546% | 819 |
| Core capital (leverage) ratio | 13.3736% | 1,108 |
| Tier 1 risk-based capital ratio | 19.6717% | 1,385 |
| Total risk-based capital ratio | 20.9232% | 1,356 |
| Memoranda: | ||
| Average total assets | $1,748,252,000 | 467 |
| Average earning assets | $1,504,120,000 | 490 |
| Average equity | $251,145,670 | 382 |
| Average total loans | $1,139,687,670 | 500 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 2,798 |
| Cost of funding earning assets | 0.5208% | 2,627 |
| Net interest margin | 3.7052% | 2,776 |
| Noninterest income to average assets | 2.0164% | 270 |
| Noninterest expense to average assets | 3.3354% | 1,279 |
| Loan and lease loss provision to assets | 0.1374% | 1,374 |
| Net operating income to assets | 1.6741% | 720 |
| Return on assets (ROA) | 1.6741% | 726 |
| Pretax return on assets | 1.7561% | 990 |
| Return on Equity (ROE) | 11.6898% | 1,690 |
| Retained earnings to average equity (ytd only) | 6.5739% | 2,464 |
| Net charge-offs to loans | 0.1189% | 1,071 |
| Credit loss provision to net charge-offs | 181.8182% | 1,109 |
| Earnings coverage of net charge-offs (x) | 25.0606% | 1,348 |
| Efficiency ratio | 63.7884% | 3,512 |
| Assets per employee ($millions) | 5.3800% | 2,057 |
| Cash dividends to net income (ytd only)* | 43.7637% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,464 |
| Loan loss allowance to noncurrent loans | 463.6113% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 4,021 |
| Noncurrent loans to loans | 0.3237% | 3,607 |
| Net loans and leases to total assets | 60.9750% | 3,651 |
| Net loans and leases to deposits | 71.1998% | 3,681 |
| Net loans and leases to core deposits | 82.3718% | 3,113 |
| Total domestic deposits to total assets | 85.6394% | 2,698 |
| Equity capital to assets | 13.8675% | 929 |
| Core capital (leverage) ratio | 13.9548% | 889 |
| Tier 1 risk-based capital ratio | 20.6797% | 1,247 |
| Total risk-based capital ratio | 21.9310% | 1,228 |
| Memoranda: | ||
| Average total assets | $1,747,101,500 | 470 |
| Average earning assets | $1,514,722,500 | 490 |
| Average equity | $250,200,500 | 388 |
| Average total loans | $1,109,906,500 | 514 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 1,985 |
| Cost of funding earning assets | 0.4894% | 2,430 |
| Net interest margin | 3.9269% | 2,005 |
| Noninterest income to average assets | 2.1941% | 256 |
| Noninterest expense to average assets | 3.4177% | 1,174 |
| Loan and lease loss provision to assets | 0.2718% | 660 |
| Net operating income to assets | 1.7818% | 439 |
| Return on assets (ROA) | 1.7821% | 447 |
| Pretax return on assets | 1.8523% | 684 |
| Return on Equity (ROE) | 11.6613% | 1,301 |
| Retained earnings to average equity (ytd only) | 6.5207% | 1,269 |
| Net charge-offs to loans | 0.2602% | 1,002 |
| Credit loss provision to net charge-offs | 156.1135% | 1,713 |
| Earnings coverage of net charge-offs (x) | 12.1987% | 2,494 |
| Efficiency ratio | 61.6751% | 3,990 |
| Assets per employee ($millions) | 4.9458% | 2,544 |
| Cash dividends to net income (ytd only)* | 44.0826% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,406 |
| Loan loss allowance to noncurrent loans | 558.7420% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 4,038 |
| Noncurrent loans to loans | 0.2686% | 3,823 |
| Net loans and leases to total assets | 64.2900% | 3,338 |
| Net loans and leases to deposits | 76.2060% | 3,311 |
| Net loans and leases to core deposits | 89.3070% | 2,625 |
| Total domestic deposits to total assets | 84.3634% | 3,078 |
| Equity capital to assets | 14.8069% | 718 |
| Core capital (leverage) ratio | 14.2523% | 782 |
| Tier 1 risk-based capital ratio | 20.8522% | 1,164 |
| Total risk-based capital ratio | 22.1037% | 1,144 |
| Memoranda: | ||
| Average total assets | $1,578,448,200 | 494 |
| Average earning assets | $1,345,499,000 | 527 |
| Average equity | $241,216,800 | 386 |
| Average total loans | $1,055,912,200 | 513 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 1,937 |
| Cost of funding earning assets | 0.4812% | 2,422 |
| Net interest margin | 3.9279% | 1,942 |
| Noninterest income to average assets | 2.2305% | 263 |
| Noninterest expense to average assets | 3.4233% | 1,115 |
| Loan and lease loss provision to assets | 0.2733% | 596 |
| Net operating income to assets | 1.7946% | 472 |
| Return on assets (ROA) | 1.7950% | 482 |
| Pretax return on assets | 1.8741% | 736 |
| Return on Equity (ROE) | 11.6478% | 1,445 |
| Retained earnings to average equity (ytd only) | 4.7328% | 3,063 |
| Net charge-offs to loans | 0.1927% | 1,102 |
| Credit loss provision to net charge-offs | 210.5960% | 1,297 |
| Earnings coverage of net charge-offs (x) | 16.5444% | 2,163 |
| Efficiency ratio | 61.4565% | 3,964 |
| Assets per employee ($millions) | 4.6563% | 2,898 |
| Cash dividends to net income (ytd only)* | 59.3671% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,529 |
| Loan loss allowance to noncurrent loans | 1,069.3642% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 4,524 |
| Noncurrent loans to loans | 0.1403% | 4,494 |
| Net loans and leases to total assets | 70.4738% | 2,488 |
| Net loans and leases to deposits | 84.7048% | 2,470 |
| Net loans and leases to core deposits | 99.9426% | 1,713 |
| Total domestic deposits to total assets | 83.1992% | 3,394 |
| Equity capital to assets | 15.7537% | 587 |
| Core capital (leverage) ratio | 14.4100% | 790 |
| Tier 1 risk-based capital ratio | 20.2351% | 1,320 |
| Total risk-based capital ratio | 21.4867% | 1,289 |
| Memoranda: | ||
| Average total assets | $1,551,427,250 | 506 |
| Average earning assets | $1,319,116,500 | 539 |
| Average equity | $239,090,250 | 390 |
| Average total loans | $1,044,692,000 | 515 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 2,103 |
| Cost of funding earning assets | 0.4675% | 2,434 |
| Net interest margin | 3.8382% | 2,141 |
| Noninterest income to average assets | 2.1674% | 287 |
| Noninterest expense to average assets | 3.3606% | 1,252 |
| Loan and lease loss provision to assets | 0.2668% | 610 |
| Net operating income to assets | 1.7182% | 546 |
| Return on assets (ROA) | 1.7182% | 548 |
| Pretax return on assets | 1.7937% | 856 |
| Return on Equity (ROE) | 11.2325% | 1,556 |
| Retained earnings to average equity (ytd only) | 3.6492% | 3,533 |
| Net charge-offs to loans | 0.2086% | 979 |
| Credit loss provision to net charge-offs | 194.0019% | 1,305 |
| Earnings coverage of net charge-offs (x) | 14.9831% | 2,044 |
| Efficiency ratio | 61.9909% | 3,989 |
| Assets per employee ($millions) | 4.5355% | 3,049 |
| Cash dividends to net income (ytd only)* | 67.5118% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,579 |
| Loan loss allowance to noncurrent loans | 934.6784% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 4,583 |
| Noncurrent loans to loans | 0.1605% | 4,477 |
| Net loans and leases to total assets | 67.6471% | 2,858 |
| Net loans and leases to deposits | 83.2197% | 2,577 |
| Net loans and leases to core deposits | 95.5220% | 2,022 |
| Total domestic deposits to total assets | 81.2873% | 4,104 |
| Equity capital to assets | 15.5104% | 612 |
| Core capital (leverage) ratio | 14.0688% | 842 |
| Tier 1 risk-based capital ratio | 20.4100% | 1,288 |
| Total risk-based capital ratio | 21.6613% | 1,260 |
| Memoranda: | ||
| Average total assets | $1,551,724,000 | 510 |
| Average earning assets | $1,315,453,000 | 541 |
| Average equity | $237,364,670 | 392 |
| Average total loans | $1,023,132,000 | 531 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 2,276 |
| Cost of funding earning assets | 0.4574% | 2,459 |
| Net interest margin | 3.7447% | 2,330 |
| Noninterest income to average assets | 2.1041% | 294 |
| Noninterest expense to average assets | 3.3265% | 1,331 |
| Loan and lease loss provision to assets | 0.1495% | 1,245 |
| Net operating income to assets | 1.7242% | 524 |
| Return on assets (ROA) | 1.7242% | 533 |
| Pretax return on assets | 1.8165% | 764 |
| Return on Equity (ROE) | 11.3509% | 1,446 |
| Retained earnings to average equity (ytd only) | 6.2608% | 2,208 |
| Net charge-offs to loans | 0.1884% | 906 |
| Credit loss provision to net charge-offs | 122.8814% | 1,368 |
| Earnings coverage of net charge-offs (x) | 16.1610% | 1,650 |
| Efficiency ratio | 62.8537% | 4,011 |
| Assets per employee ($millions) | 4.7034% | 2,837 |
| Cash dividends to net income (ytd only)* | 44.8430% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,689 |
| Loan loss allowance to noncurrent loans | 410.7814% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 4,147 |
| Noncurrent loans to loans | 0.3652% | 3,780 |
| Net loans and leases to total assets | 62.1260% | 3,519 |
| Net loans and leases to deposits | 74.7729% | 3,326 |
| Net loans and leases to core deposits | 85.4207% | 2,772 |
| Total domestic deposits to total assets | 83.0862% | 3,802 |
| Equity capital to assets | 14.9280% | 670 |
| Core capital (leverage) ratio | 14.4887% | 715 |
| Tier 1 risk-based capital ratio | 21.5132% | 1,152 |
| Total risk-based capital ratio | 22.7645% | 1,130 |
| Memoranda: | ||
| Average total assets | $1,552,015,500 | 509 |
| Average earning assets | $1,321,440,500 | 538 |
| Average equity | $235,753,000 | 392 |
| Average total loans | $1,002,055,500 | 545 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7385% | 4,096 |
| Cost of funding earning assets | 0.4067% | 2,940 |
| Net interest margin | 3.3318% | 4,051 |
| Noninterest income to average assets | 1.9152% | 362 |
| Noninterest expense to average assets | 3.0920% | 2,063 |
| Loan and lease loss provision to assets | 0.1810% | 1,317 |
| Net operating income to assets | 1.4663% | 894 |
| Return on assets (ROA) | 1.4710% | 906 |
| Pretax return on assets | 1.5464% | 1,442 |
| Return on Equity (ROE) | 10.8354% | 1,643 |
| Retained earnings to average equity (ytd only) | 5.4496% | 2,047 |
| Net charge-offs to loans | 0.1942% | 1,426 |
| Credit loss provision to net charge-offs | 164.4349% | 1,683 |
| Earnings coverage of net charge-offs (x) | 15.6460% | 2,187 |
| Efficiency ratio | 64.2228% | 3,905 |
| Assets per employee ($millions) | 4.5062% | 3,100 |
| Cash dividends to net income (ytd only)* | 49.7054% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,663 |
| Loan loss allowance to noncurrent loans | 488.2660% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 4,339 |
| Noncurrent loans to loans | 0.3073% | 4,037 |
| Net loans and leases to total assets | 65.1489% | 3,202 |
| Net loans and leases to deposits | 79.3454% | 2,958 |
| Net loans and leases to core deposits | 92.6475% | 2,240 |
| Total domestic deposits to total assets | 82.1079% | 4,046 |
| Equity capital to assets | 15.4670% | 568 |
| Core capital (leverage) ratio | 14.3089% | 732 |
| Tier 1 risk-based capital ratio | 21.3296% | 1,158 |
| Total risk-based capital ratio | 22.5809% | 1,144 |
| Memoranda: | ||
| Average total assets | $1,695,867,800 | 458 |
| Average earning assets | $1,475,701,400 | 469 |
| Average equity | $230,236,600 | 383 |
| Average total loans | $961,566,600 | 527 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 4,578 |
| Cost of funding earning assets | 0.3891% | 3,135 |
| Net interest margin | 3.2030% | 4,483 |
| Noninterest income to average assets | 1.8515% | 390 |
| Noninterest expense to average assets | 2.9825% | 2,371 |
| Loan and lease loss provision to assets | 0.1645% | 1,387 |
| Net operating income to assets | 1.4270% | 1,010 |
| Return on assets (ROA) | 1.4329% | 1,051 |
| Pretax return on assets | 1.5123% | 1,673 |
| Return on Equity (ROE) | 10.8826% | 1,712 |
| Retained earnings to average equity (ytd only) | 3.6764% | 3,687 |
| Net charge-offs to loans | 0.1277% | 1,683 |
| Credit loss provision to net charge-offs | 235.7456% | 1,250 |
| Earnings coverage of net charge-offs (x) | 23.9397% | 1,696 |
| Efficiency ratio | 64.0964% | 3,919 |
| Assets per employee ($millions) | 4.2604% | 3,487 |
| Cash dividends to net income (ytd only)* | 66.2181% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,765 |
| Loan loss allowance to noncurrent loans | 749.2515% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 4,746 |
| Noncurrent loans to loans | 0.2002% | 4,552 |
| Net loans and leases to total assets | 66.3040% | 3,073 |
| Net loans and leases to deposits | 82.8654% | 2,624 |
| Net loans and leases to core deposits | 97.4743% | 1,863 |
| Total domestic deposits to total assets | 80.0141% | 4,509 |
| Equity capital to assets | 15.6796% | 599 |
| Core capital (leverage) ratio | 14.3239% | 769 |
| Tier 1 risk-based capital ratio | 20.8194% | 1,303 |
| Total risk-based capital ratio | 22.0708% | 1,279 |
| Memoranda: | ||
| Average total assets | $1,742,443,000 | 452 |
| Average earning assets | $1,524,083,250 | 460 |
| Average equity | $229,424,750 | 388 |
| Average total loans | $952,346,750 | 530 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3526% | 5,180 |
| Cost of funding earning assets | 0.3659% | 3,395 |
| Net interest margin | 2.9866% | 5,105 |
| Noninterest income to average assets | 1.7481% | 419 |
| Noninterest expense to average assets | 2.7772% | 3,101 |
| Loan and lease loss provision to assets | 0.1838% | 1,184 |
| Net operating income to assets | 1.3607% | 1,135 |
| Return on assets (ROA) | 1.3637% | 1,202 |
| Pretax return on assets | 1.4205% | 1,945 |
| Return on Equity (ROE) | 10.9226% | 1,675 |
| Retained earnings to average equity (ytd only) | 2.4208% | 4,345 |
| Net charge-offs to loans | 0.1923% | 1,192 |
| Credit loss provision to net charge-offs | 186.6667% | 1,366 |
| Earnings coverage of net charge-offs (x) | 16.2578% | 1,936 |
| Efficiency ratio | 63.4291% | 4,113 |
| Assets per employee ($millions) | 5.5969% | 1,705 |
| Cash dividends to net income (ytd only)* | 77.8366% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,865 |
| Loan loss allowance to noncurrent loans | 821.0378% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 5,033 |
| Noncurrent loans to loans | 0.1827% | 4,702 |
| Net loans and leases to total assets | 48.7897% | 4,925 |
| Net loans and leases to deposits | 56.3534% | 4,988 |
| Net loans and leases to core deposits | 62.6099% | 4,845 |
| Total domestic deposits to total assets | 86.5781% | 2,120 |
| Equity capital to assets | 11.7458% | 2,315 |
| Core capital (leverage) ratio | 13.4501% | 1,002 |
| Tier 1 risk-based capital ratio | 21.0572% | 1,259 |
| Total risk-based capital ratio | 22.3085% | 1,242 |
| Memoranda: | ||
| Average total assets | $1,827,626,670 | 424 |
| Average earning assets | $1,609,580,000 | 440 |
| Average equity | $228,187,000 | 389 |
| Average total loans | $936,167,670 | 538 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 4,909 |
| Cost of funding earning assets | 0.3802% | 3,291 |
| Net interest margin | 3.1112% | 4,829 |
| Noninterest income to average assets | 1.7535% | 408 |
| Noninterest expense to average assets | 2.7891% | 3,115 |
| Loan and lease loss provision to assets | 0.1135% | 1,846 |
| Net operating income to assets | 1.5180% | 826 |
| Return on assets (ROA) | 1.5210% | 864 |
| Pretax return on assets | 1.6014% | 1,289 |
| Return on Equity (ROE) | 11.7940% | 1,371 |
| Retained earnings to average equity (ytd only) | 4.5768% | 3,192 |
| Net charge-offs to loans | 0.2032% | 981 |
| Credit loss provision to net charge-offs | 107.0664% | 1,543 |
| Earnings coverage of net charge-offs (x) | 16.1456% | 1,636 |
| Efficiency ratio | 61.9691% | 4,446 |
| Assets per employee ($millions) | 5.6800% | 1,680 |
| Cash dividends to net income (ytd only)* | 61.1940% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,982 |
| Loan loss allowance to noncurrent loans | 667.1498% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 5,041 |
| Noncurrent loans to loans | 0.2250% | 4,621 |
| Net loans and leases to total assets | 45.8531% | 5,126 |
| Net loans and leases to deposits | 52.7904% | 5,178 |
| Net loans and leases to core deposits | 58.9240% | 5,002 |
| Total domestic deposits to total assets | 86.8588% | 2,269 |
| Equity capital to assets | 11.5798% | 2,369 |
| Core capital (leverage) ratio | 13.6559% | 928 |
| Tier 1 risk-based capital ratio | 21.8931% | 1,175 |
| Total risk-based capital ratio | 23.1442% | 1,151 |
| Memoranda: | ||
| Average total assets | $1,761,978,500 | 436 |
| Average earning assets | $1,555,939,000 | 448 |
| Average equity | $227,235,000 | 385 |
| Average total loans | $919,097,000 | 546 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 3,622 |
| Cost of funding earning assets | 0.4515% | 2,611 |
| Net interest margin | 3.4724% | 3,626 |
| Noninterest income to average assets | 2.1103% | 332 |
| Noninterest expense to average assets | 3.0806% | 2,297 |
| Loan and lease loss provision to assets | 0.1920% | 1,152 |
| Net operating income to assets | 1.7732% | 504 |
| Return on assets (ROA) | 1.7737% | 520 |
| Pretax return on assets | 1.8419% | 738 |
| Return on Equity (ROE) | 12.8016% | 1,099 |
| Retained earnings to average equity (ytd only) | 8.0195% | 907 |
| Net charge-offs to loans | 0.2565% | 1,178 |
| Credit loss provision to net charge-offs | 129.2546% | 2,025 |
| Earnings coverage of net charge-offs (x) | 13.6863% | 2,356 |
| Efficiency ratio | 60.2373% | 4,879 |
| Assets per employee ($millions) | 4.7175% | 2,707 |
| Cash dividends to net income (ytd only)* | 37.3552% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 2,004 |
| Loan loss allowance to noncurrent loans | 686.7896% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 4,854 |
| Noncurrent loans to loans | 0.2185% | 4,639 |
| Net loans and leases to total assets | 58.4401% | 4,026 |
| Net loans and leases to deposits | 70.3439% | 3,885 |
| Net loans and leases to core deposits | 81.9396% | 3,156 |
| Total domestic deposits to total assets | 83.0777% | 3,819 |
| Equity capital to assets | 14.5787% | 752 |
| Core capital (leverage) ratio | 13.8850% | 853 |
| Tier 1 risk-based capital ratio | 21.9530% | 1,157 |
| Total risk-based capital ratio | 23.2043% | 1,135 |
| Memoranda: | ||
| Average total assets | $1,562,130,400 | 457 |
| Average earning assets | $1,351,319,800 | 477 |
| Average equity | $216,434,200 | 388 |
| Average total loans | $904,812,400 | 524 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 3,757 |
| Cost of funding earning assets | 0.4540% | 2,646 |
| Net interest margin | 3.4417% | 3,788 |
| Noninterest income to average assets | 1.9753% | 366 |
| Noninterest expense to average assets | 2.9377% | 2,717 |
| Loan and lease loss provision to assets | 0.2393% | 739 |
| Net operating income to assets | 1.7051% | 618 |
| Return on assets (ROA) | 1.7057% | 642 |
| Pretax return on assets | 1.7697% | 953 |
| Return on Equity (ROE) | 12.4721% | 1,244 |
| Retained earnings to average equity (ytd only) | 6.0281% | 2,230 |
| Net charge-offs to loans | 0.2788% | 958 |
| Credit loss provision to net charge-offs | 149.0716% | 1,693 |
| Earnings coverage of net charge-offs (x) | 12.5125% | 2,400 |
| Efficiency ratio | 59.3947% | 4,956 |
| Assets per employee ($millions) | 4.7073% | 2,692 |
| Cash dividends to net income (ytd only)* | 51.6673% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 2,162 |
| Loan loss allowance to noncurrent loans | 653.1439% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 3,649 |
| Noncurrent loans to loans | 0.2296% | 4,741 |
| Net loans and leases to total assets | 59.2831% | 3,968 |
| Net loans and leases to deposits | 70.7915% | 3,903 |
| Net loans and leases to core deposits | 82.7763% | 3,171 |
| Total domestic deposits to total assets | 83.7432% | 3,524 |
| Equity capital to assets | 14.0718% | 997 |
| Core capital (leverage) ratio | 14.0520% | 845 |
| Tier 1 risk-based capital ratio | 20.8384% | 1,374 |
| Total risk-based capital ratio | 22.0897% | 1,345 |
| Memoranda: | ||
| Average total assets | $1,565,831,250 | 455 |
| Average earning assets | $1,351,564,000 | 481 |
| Average equity | $214,147,750 | 397 |
| Average total loans | $901,506,250 | 527 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 3,887 |
| Cost of funding earning assets | 0.4565% | 2,644 |
| Net interest margin | 3.3910% | 3,934 |
| Noninterest income to average assets | 1.8686% | 408 |
| Noninterest expense to average assets | 2.8848% | 2,947 |
| Loan and lease loss provision to assets | 0.1885% | 1,061 |
| Net operating income to assets | 1.6716% | 657 |
| Return on assets (ROA) | 1.6725% | 682 |
| Pretax return on assets | 1.7275% | 1,027 |
| Return on Equity (ROE) | 12.3470% | 1,273 |
| Retained earnings to average equity (ytd only) | 5.1997% | 2,730 |
| Net charge-offs to loans | 0.1615% | 1,507 |
| Credit loss provision to net charge-offs | 205.8414% | 1,204 |
| Earnings coverage of net charge-offs (x) | 20.9096% | 1,699 |
| Efficiency ratio | 60.0998% | 4,964 |
| Assets per employee ($millions) | 4.4865% | 3,009 |
| Cash dividends to net income (ytd only)* | 57.8871% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 2,292 |
| Loan loss allowance to noncurrent loans | 454.9902% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 3,572 |
| Noncurrent loans to loans | 0.3298% | 4,511 |
| Net loans and leases to total assets | 60.7032% | 3,725 |
| Net loans and leases to deposits | 72.7052% | 3,650 |
| Net loans and leases to core deposits | 85.6292% | 2,806 |
| Total domestic deposits to total assets | 83.4923% | 3,760 |
| Equity capital to assets | 14.3120% | 877 |
| Core capital (leverage) ratio | 13.5422% | 977 |
| Tier 1 risk-based capital ratio | 20.8849% | 1,387 |
| Total risk-based capital ratio | 22.1364% | 1,356 |
| Memoranda: | ||
| Average total assets | $1,569,974,330 | 457 |
| Average earning assets | $1,357,176,330 | 477 |
| Average equity | $212,666,330 | 400 |
| Average total loans | $890,365,670 | 531 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,208 |
| Cost of funding earning assets | 0.4486% | 2,779 |
| Net interest margin | 3.2981% | 4,225 |
| Noninterest income to average assets | 1.7502% | 431 |
| Noninterest expense to average assets | 2.7302% | 3,486 |
| Loan and lease loss provision to assets | 0.1096% | 1,880 |
| Net operating income to assets | 1.7313% | 551 |
| Return on assets (ROA) | 1.7323% | 582 |
| Pretax return on assets | 1.7794% | 899 |
| Return on Equity (ROE) | 13.1351% | 1,053 |
| Retained earnings to average equity (ytd only) | 8.6018% | 1,343 |
| Net charge-offs to loans | 0.1886% | 1,173 |
| Credit loss provision to net charge-offs | 106.7961% | 1,542 |
| Earnings coverage of net charge-offs (x) | 18.3956% | 1,492 |
| Efficiency ratio | 59.1186% | 5,211 |
| Assets per employee ($millions) | 4.7266% | 2,726 |
| Cash dividends to net income (ytd only)* | 34.5125% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 2,440 |
| Loan loss allowance to noncurrent loans | 377.0756% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 3,743 |
| Noncurrent loans to loans | 0.3980% | 4,396 |
| Net loans and leases to total assets | 57.8591% | 3,962 |
| Net loans and leases to deposits | 69.2618% | 3,831 |
| Net loans and leases to core deposits | 82.5396% | 2,902 |
| Total domestic deposits to total assets | 83.5369% | 3,999 |
| Equity capital to assets | 14.3960% | 861 |
| Core capital (leverage) ratio | 14.0140% | 819 |
| Tier 1 risk-based capital ratio | 21.7162% | 1,285 |
| Total risk-based capital ratio | 22.9675% | 1,259 |
| Memoranda: | ||
| Average total assets | $1,605,721,500 | 452 |
| Average earning assets | $1,396,307,500 | 466 |
| Average equity | $211,768,500 | 401 |
| Average total loans | $873,806,000 | 538 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 2,249 |
| Cost of funding earning assets | 0.6107% | 1,675 |
| Net interest margin | 3.7811% | 2,689 |
| Noninterest income to average assets | 1.9106% | 367 |
| Noninterest expense to average assets | 3.0510% | 2,684 |
| Loan and lease loss provision to assets | 0.2579% | 870 |
| Net operating income to assets | 1.6283% | 670 |
| Return on assets (ROA) | 1.6283% | 699 |
| Pretax return on assets | 1.7025% | 984 |
| Return on Equity (ROE) | 11.6550% | 1,506 |
| Retained earnings to average equity (ytd only) | 6.9524% | 1,432 |
| Net charge-offs to loans | 0.2585% | 1,666 |
| Credit loss provision to net charge-offs | 174.2210% | 1,395 |
| Earnings coverage of net charge-offs (x) | 13.2432% | 2,289 |
| Efficiency ratio | 60.8806% | 5,095 |
| Assets per employee ($millions) | 5.4858% | 1,781 |
| Cash dividends to net income (ytd only)* | 40.3485% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 2,472 |
| Loan loss allowance to noncurrent loans | 449.9485% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 5,273 |
| Noncurrent loans to loans | 0.3334% | 4,651 |
| Net loans and leases to total assets | 49.9218% | 4,985 |
| Net loans and leases to deposits | 58.5742% | 5,020 |
| Net loans and leases to core deposits | 67.8431% | 4,524 |
| Total domestic deposits to total assets | 85.2282% | 3,197 |
| Equity capital to assets | 12.1445% | 1,909 |
| Core capital (leverage) ratio | 13.7754% | 873 |
| Tier 1 risk-based capital ratio | 18.7496% | 1,923 |
| Total risk-based capital ratio | 19.9430% | 1,900 |
| Memoranda: | ||
| Average total assets | $1,430,759,800 | 493 |
| Average earning assets | $1,173,332,200 | 528 |
| Average equity | $199,888,000 | 403 |
| Average total loans | $819,330,000 | 541 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 1,404 |
| Cost of funding earning assets | 0.6676% | 1,336 |
| Net interest margin | 3.9932% | 1,897 |
| Noninterest income to average assets | 1.9735% | 354 |
| Noninterest expense to average assets | 3.1816% | 2,235 |
| Loan and lease loss provision to assets | 0.2416% | 909 |
| Net operating income to assets | 1.6773% | 643 |
| Return on assets (ROA) | 1.6773% | 667 |
| Pretax return on assets | 1.7553% | 970 |
| Return on Equity (ROE) | 11.5276% | 1,618 |
| Retained earnings to average equity (ytd only) | 5.1838% | 2,966 |
| Net charge-offs to loans | 0.1659% | 2,134 |
| Credit loss provision to net charge-offs | 245.2642% | 1,073 |
| Earnings coverage of net charge-offs (x) | 20.2752% | 1,743 |
| Efficiency ratio | 61.4388% | 4,974 |
| Assets per employee ($millions) | 4.3251% | 3,258 |
| Cash dividends to net income (ytd only)* | 55.0319% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 2,701 |
| Loan loss allowance to noncurrent loans | 446.9191% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 5,277 |
| Noncurrent loans to loans | 0.3358% | 4,892 |
| Net loans and leases to total assets | 61.3713% | 3,576 |
| Net loans and leases to deposits | 74.5728% | 3,362 |
| Net loans and leases to core deposits | 89.9798% | 2,228 |
| Total domestic deposits to total assets | 82.2971% | 4,378 |
| Equity capital to assets | 14.5441% | 844 |
| Core capital (leverage) ratio | 14.2096% | 791 |
| Tier 1 risk-based capital ratio | 18.5823% | 2,024 |
| Total risk-based capital ratio | 19.7912% | 2,000 |
| Memoranda: | ||
| Average total assets | $1,357,811,500 | 507 |
| Average earning assets | $1,089,781,250 | 559 |
| Average equity | $197,561,000 | 405 |
| Average total loans | $805,905,750 | 543 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7062% | 1,269 |
| Cost of funding earning assets | 0.6939% | 1,219 |
| Net interest margin | 4.0123% | 1,775 |
| Noninterest income to average assets | 1.9329% | 363 |
| Noninterest expense to average assets | 3.1929% | 2,217 |
| Loan and lease loss provision to assets | 0.2211% | 1,047 |
| Net operating income to assets | 1.5843% | 730 |
| Return on assets (ROA) | 1.5843% | 765 |
| Pretax return on assets | 1.6614% | 1,111 |
| Return on Equity (ROE) | 10.8869% | 1,780 |
| Retained earnings to average equity (ytd only) | 3.7480% | 3,807 |
| Net charge-offs to loans | 0.1717% | 2,019 |
| Credit loss provision to net charge-offs | 220.7407% | 1,081 |
| Earnings coverage of net charge-offs (x) | 18.7926% | 1,659 |
| Efficiency ratio | 62.9083% | 4,872 |
| Assets per employee ($millions) | 4.1784% | 3,500 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 2,893 |
| Loan loss allowance to noncurrent loans | 475.0192% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 5,437 |
| Noncurrent loans to loans | 0.3160% | 5,064 |
| Net loans and leases to total assets | 59.6394% | 3,779 |
| Net loans and leases to deposits | 72.5509% | 3,497 |
| Net loans and leases to core deposits | 87.2686% | 2,386 |
| Total domestic deposits to total assets | 82.2036% | 4,581 |
| Equity capital to assets | 14.6148% | 790 |
| Core capital (leverage) ratio | 14.4471% | 716 |
| Tier 1 risk-based capital ratio | 18.6700% | 2,013 |
| Total risk-based capital ratio | 19.8482% | 1,991 |
| Memoranda: | ||
| Average total assets | $1,347,628,670 | 513 |
| Average earning assets | $1,055,506,670 | 575 |
| Average equity | $196,106,670 | 404 |
| Average total loans | $786,195,330 | 555 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 1,055 |
| Cost of funding earning assets | 0.7421% | 999 |
| Net interest margin | 4.0533% | 1,586 |
| Noninterest income to average assets | 1.8736% | 377 |
| Noninterest expense to average assets | 3.0377% | 2,737 |
| Loan and lease loss provision to assets | 0.0447% | 3,206 |
| Net operating income to assets | 1.7791% | 497 |
| Return on assets (ROA) | 1.7791% | 514 |
| Pretax return on assets | 1.8703% | 695 |
| Return on Equity (ROE) | 12.2528% | 1,356 |
| Retained earnings to average equity (ytd only) | 7.7383% | 1,706 |
| Net charge-offs to loans | 0.0745% | 2,402 |
| Credit loss provision to net charge-offs | 104.8951% | 1,595 |
| Earnings coverage of net charge-offs (x) | 44.9441% | 818 |
| Efficiency ratio | 61.3344% | 5,226 |
| Assets per employee ($millions) | 4.2247% | 3,477 |
| Cash dividends to net income (ytd only)* | 36.8447% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 3,140 |
| Loan loss allowance to noncurrent loans | 468.6306% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 5,547 |
| Noncurrent loans to loans | 0.3202% | 5,147 |
| Net loans and leases to total assets | 57.8073% | 3,870 |
| Net loans and leases to deposits | 70.6925% | 3,515 |
| Net loans and leases to core deposits | 82.8518% | 2,654 |
| Total domestic deposits to total assets | 81.7728% | 5,007 |
| Equity capital to assets | 15.0601% | 658 |
| Core capital (leverage) ratio | 14.5217% | 696 |
| Tier 1 risk-based capital ratio | 19.5698% | 1,821 |
| Total risk-based capital ratio | 20.7234% | 1,812 |
| Memoranda: | ||
| Average total assets | $1,342,452,500 | 518 |
| Average earning assets | $1,019,823,500 | 602 |
| Average equity | $194,927,000 | 405 |
| Average total loans | $768,176,500 | 567 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 1,068 |
| Cost of funding earning assets | 0.7950% | 1,239 |
| Net interest margin | 4.1210% | 1,586 |
| Noninterest income to average assets | 1.9919% | 393 |
| Noninterest expense to average assets | 3.2992% | 2,155 |
| Loan and lease loss provision to assets | 0.2305% | 1,572 |
| Net operating income to assets | 1.6334% | 645 |
| Return on assets (ROA) | 1.6427% | 651 |
| Pretax return on assets | 1.7099% | 930 |
| Return on Equity (ROE) | 10.9587% | 1,778 |
| Retained earnings to average equity (ytd only) | 7.0475% | 1,416 |
| Net charge-offs to loans | 0.2381% | 2,548 |
| Credit loss provision to net charge-offs | 163.6260% | 1,394 |
| Earnings coverage of net charge-offs (x) | 13.7052% | 1,996 |
| Efficiency ratio | 63.0845% | 5,044 |
| Assets per employee ($millions) | 4.5090% | 2,887 |
| Cash dividends to net income (ytd only)* | 35.6898% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,185 |
| Loan loss allowance to noncurrent loans | 178.7254% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 4,760 |
| Noncurrent loans to loans | 0.8400% | 3,878 |
| Net loans and leases to total assets | 54.9877% | 4,460 |
| Net loans and leases to deposits | 66.6559% | 4,228 |
| Net loans and leases to core deposits | 77.5056% | 3,425 |
| Total domestic deposits to total assets | 82.4949% | 4,715 |
| Equity capital to assets | 14.0061% | 894 |
| Core capital (leverage) ratio | 14.5901% | 666 |
| Tier 1 risk-based capital ratio | 18.9118% | 1,952 |
| Total risk-based capital ratio | 20.0477% | 1,942 |
| Memoranda: | ||
| Average total assets | $1,245,134,800 | 525 |
| Average earning assets | $978,332,800 | 613 |
| Average equity | $186,647,000 | 412 |
| Average total loans | $736,724,400 | 572 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 1,077 |
| Cost of funding earning assets | 0.8027% | 1,307 |
| Net interest margin | 4.1225% | 1,561 |
| Noninterest income to average assets | 2.0478% | 405 |
| Noninterest expense to average assets | 3.3502% | 1,947 |
| Loan and lease loss provision to assets | 0.2122% | 1,719 |
| Net operating income to assets | 1.7167% | 611 |
| Return on assets (ROA) | 1.7167% | 637 |
| Pretax return on assets | 1.7867% | 931 |
| Return on Equity (ROE) | 11.2430% | 1,734 |
| Retained earnings to average equity (ytd only) | 5.9862% | 2,419 |
| Net charge-offs to loans | 0.1505% | 3,038 |
| Credit loss provision to net charge-offs | 234.5079% | 1,035 |
| Earnings coverage of net charge-offs (x) | 22.0898% | 1,513 |
| Efficiency ratio | 62.6303% | 5,045 |
| Assets per employee ($millions) | 3.9066% | 4,024 |
| Cash dividends to net income (ytd only)* | 46.7559% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,451 |
| Loan loss allowance to noncurrent loans | 166.4547% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 4,653 |
| Noncurrent loans to loans | 0.9015% | 4,018 |
| Net loans and leases to total assets | 62.0248% | 3,356 |
| Net loans and leases to deposits | 79.0543% | 2,529 |
| Net loans and leases to core deposits | 91.4111% | 1,832 |
| Total domestic deposits to total assets | 78.4585% | 5,833 |
| Equity capital to assets | 15.4523% | 635 |
| Core capital (leverage) ratio | 15.1239% | 622 |
| Tier 1 risk-based capital ratio | 19.3060% | 1,905 |
| Total risk-based capital ratio | 20.4948% | 1,885 |
| Memoranda: | ||
| Average total assets | $1,212,603,500 | 542 |
| Average earning assets | $971,064,000 | 619 |
| Average equity | $185,153,750 | 413 |
| Average total loans | $728,968,000 | 579 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 1,191 |
| Cost of funding earning assets | 0.8137% | 1,340 |
| Net interest margin | 4.0463% | 1,707 |
| Noninterest income to average assets | 2.0411% | 430 |
| Noninterest expense to average assets | 3.2803% | 2,128 |
| Loan and lease loss provision to assets | 0.1751% | 2,157 |
| Net operating income to assets | 1.7664% | 550 |
| Return on assets (ROA) | 1.7664% | 593 |
| Pretax return on assets | 1.8376% | 848 |
| Return on Equity (ROE) | 11.6149% | 1,595 |
| Retained earnings to average equity (ytd only) | 6.0742% | 2,389 |
| Net charge-offs to loans | 0.0623% | 3,815 |
| Credit loss provision to net charge-offs | 475.3363% | 579 |
| Earnings coverage of net charge-offs (x) | 54.6278% | 752 |
| Efficiency ratio | 61.9740% | 5,178 |
| Assets per employee ($millions) | 3.8044% | 4,197 |
| Cash dividends to net income (ytd only)* | 47.7037% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,589 |
| Loan loss allowance to noncurrent loans | 151.0881% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 4,592 |
| Noncurrent loans to loans | 0.9930% | 3,951 |
| Net loans and leases to total assets | 62.0086% | 3,283 |
| Net loans and leases to deposits | 77.6379% | 2,616 |
| Net loans and leases to core deposits | 87.4755% | 2,175 |
| Total domestic deposits to total assets | 79.8689% | 5,638 |
| Equity capital to assets | 15.6929% | 579 |
| Core capital (leverage) ratio | 14.9918% | 612 |
| Tier 1 risk-based capital ratio | 19.3119% | 1,906 |
| Total risk-based capital ratio | 20.4902% | 1,899 |
| Memoranda: | ||
| Average total assets | $1,210,515,670 | 544 |
| Average earning assets | $972,841,670 | 621 |
| Average equity | $184,090,670 | 415 |
| Average total loans | $716,118,330 | 580 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7924% | 1,304 |
| Cost of funding earning assets | 0.8525% | 1,242 |
| Net interest margin | 3.9400% | 1,979 |
| Noninterest income to average assets | 1.9345% | 447 |
| Noninterest expense to average assets | 3.1856% | 2,396 |
| Loan and lease loss provision to assets | 0.0754% | 3,372 |
| Net operating income to assets | 1.7621% | 502 |
| Return on assets (ROA) | 1.7621% | 556 |
| Pretax return on assets | 1.8335% | 831 |
| Return on Equity (ROE) | 11.7700% | 1,481 |
| Retained earnings to average equity (ytd only) | 8.2670% | 1,654 |
| Net charge-offs to loans | 0.0366% | 3,511 |
| Credit loss provision to net charge-offs | 359.3750% | 695 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 420 |
| Efficiency ratio | 62.5298% | 5,231 |
| Assets per employee ($millions) | 4.0621% | 3,819 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,827 |
| Loan loss allowance to noncurrent loans | 145.6749% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 4,837 |
| Noncurrent loans to loans | 1.0301% | 4,078 |
| Net loans and leases to total assets | 56.5889% | 3,994 |
| Net loans and leases to deposits | 69.3246% | 3,597 |
| Net loans and leases to core deposits | 78.0972% | 3,049 |
| Total domestic deposits to total assets | 81.6289% | 5,318 |
| Equity capital to assets | 14.9985% | 759 |
| Core capital (leverage) ratio | 14.4637% | 679 |
| Tier 1 risk-based capital ratio | 19.6021% | 1,882 |
| Total risk-based capital ratio | 20.7699% | 1,874 |
| Memoranda: | ||
| Average total assets | $1,220,381,500 | 540 |
| Average earning assets | $978,793,000 | 622 |
| Average equity | $182,702,000 | 425 |
| Average total loans | $699,360,000 | 598 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0640% | 1,392 |
| Cost of funding earning assets | 1.1678% | 670 |
| Net interest margin | 3.8963% | 2,842 |
| Noninterest income to average assets | 2.0225% | 430 |
| Noninterest expense to average assets | 3.3610% | 2,146 |
| Loan and lease loss provision to assets | 0.3975% | 1,638 |
| Net operating income to assets | 1.4830% | 952 |
| Return on assets (ROA) | 1.4938% | 1,023 |
| Pretax return on assets | 1.5616% | 1,485 |
| Return on Equity (ROE) | 9.5751% | 2,371 |
| Retained earnings to average equity (ytd only) | 3.9631% | 3,412 |
| Net charge-offs to loans | 0.5413% | 2,106 |
| Credit loss provision to net charge-offs | 126.9220% | 2,224 |
| Earnings coverage of net charge-offs (x) | 6.2197% | 2,850 |
| Efficiency ratio | 63.3095% | 5,013 |
| Assets per employee ($millions) | 4.1293% | 3,689 |
| Cash dividends to net income (ytd only)* | 58.6098% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,747 |
| Loan loss allowance to noncurrent loans | 143.4675% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 4,981 |
| Noncurrent loans to loans | 1.0456% | 4,125 |
| Net loans and leases to total assets | 56.3033% | 4,235 |
| Net loans and leases to deposits | 69.9541% | 3,721 |
| Net loans and leases to core deposits | 79.0591% | 3,143 |
| Total domestic deposits to total assets | 80.4860% | 5,548 |
| Equity capital to assets | 14.9430% | 750 |
| Core capital (leverage) ratio | 14.4992% | 670 |
| Tier 1 risk-based capital ratio | 19.7169% | 1,746 |
| Total risk-based capital ratio | 20.8981% | 1,741 |
| Memoranda: | ||
| Average total assets | $1,142,184,800 | 573 |
| Average earning assets | $963,385,600 | 619 |
| Average equity | $178,191,800 | 423 |
| Average total loans | $660,877,200 | 621 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0904% | 1,453 |
| Cost of funding earning assets | 1.2154% | 647 |
| Net interest margin | 3.8750% | 3,009 |
| Noninterest income to average assets | 2.0412% | 409 |
| Noninterest expense to average assets | 3.2172% | 2,509 |
| Loan and lease loss provision to assets | 0.2479% | 2,582 |
| Net operating income to assets | 1.8113% | 555 |
| Return on assets (ROA) | 1.8126% | 617 |
| Pretax return on assets | 1.8929% | 884 |
| Return on Equity (ROE) | 11.4879% | 1,798 |
| Retained earnings to average equity (ytd only) | 3.9716% | 4,088 |
| Net charge-offs to loans | 0.2738% | 3,084 |
| Credit loss provision to net charge-offs | 155.9701% | 1,802 |
| Earnings coverage of net charge-offs (x) | 13.4620% | 1,908 |
| Efficiency ratio | 60.0607% | 5,488 |
| Assets per employee ($millions) | 3.7478% | 4,428 |
| Cash dividends to net income (ytd only)* | 65.4279% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 3,950 |
| Loan loss allowance to noncurrent loans | 101.9496% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 4,480 |
| Noncurrent loans to loans | 1.4721% | 3,584 |
| Net loans and leases to total assets | 60.1230% | 3,757 |
| Net loans and leases to deposits | 76.6745% | 2,883 |
| Net loans and leases to core deposits | 88.1553% | 2,199 |
| Total domestic deposits to total assets | 78.4133% | 5,989 |
| Equity capital to assets | 16.2879% | 558 |
| Core capital (leverage) ratio | 14.7300% | 663 |
| Tier 1 risk-based capital ratio | 20.0064% | 1,757 |
| Total risk-based capital ratio | 21.1926% | 1,750 |
| Memoranda: | ||
| Average total assets | $1,124,230,250 | 588 |
| Average earning assets | $961,856,000 | 619 |
| Average equity | $177,387,750 | 424 |
| Average total loans | $652,613,000 | 636 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 1,757 |
| Cost of funding earning assets | 1.2463% | 663 |
| Net interest margin | 3.7652% | 3,514 |
| Noninterest income to average assets | 2.0423% | 390 |
| Noninterest expense to average assets | 3.1301% | 2,817 |
| Loan and lease loss provision to assets | 0.2287% | 2,788 |
| Net operating income to assets | 1.8692% | 494 |
| Return on assets (ROA) | 1.8712% | 559 |
| Pretax return on assets | 1.9533% | 752 |
| Return on Equity (ROE) | 11.9864% | 1,674 |
| Retained earnings to average equity (ytd only) | 2.1047% | 5,145 |
| Net charge-offs to loans | 0.2526% | 3,067 |
| Credit loss provision to net charge-offs | 158.6716% | 1,754 |
| Earnings coverage of net charge-offs (x) | 15.1218% | 1,666 |
| Efficiency ratio | 58.9475% | 5,737 |
| Assets per employee ($millions) | 3.8253% | 4,258 |
| Cash dividends to net income (ytd only)* | 82.4410% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 3,998 |
| Loan loss allowance to noncurrent loans | 97.6676% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.9214% | 4,529 |
| Noncurrent loans to loans | 1.5373% | 3,601 |
| Net loans and leases to total assets | 57.8869% | 4,180 |
| Net loans and leases to deposits | 74.3380% | 3,234 |
| Net loans and leases to core deposits | 84.5091% | 2,625 |
| Total domestic deposits to total assets | 77.8699% | 6,179 |
| Equity capital to assets | 15.7366% | 635 |
| Core capital (leverage) ratio | 14.5959% | 679 |
| Tier 1 risk-based capital ratio | 19.8765% | 1,731 |
| Total risk-based capital ratio | 21.0468% | 1,727 |
| Memoranda: | ||
| Average total assets | $1,127,939,670 | 585 |
| Average earning assets | $978,912,670 | 606 |
| Average equity | $176,083,330 | 426 |
| Average total loans | $643,675,000 | 647 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0071% | 1,860 |
| Cost of funding earning assets | 1.2797% | 685 |
| Net interest margin | 3.7273% | 3,704 |
| Noninterest income to average assets | 1.9363% | 432 |
| Noninterest expense to average assets | 3.0411% | 3,111 |
| Loan and lease loss provision to assets | 0.0885% | 4,257 |
| Net operating income to assets | 1.9745% | 440 |
| Return on assets (ROA) | 1.9749% | 506 |
| Pretax return on assets | 2.0620% | 672 |
| Return on Equity (ROE) | 12.7013% | 1,491 |
| Retained earnings to average equity (ytd only) | 4.5025% | 3,886 |
| Net charge-offs to loans | 0.0517% | 3,985 |
| Credit loss provision to net charge-offs | 304.8780% | 965 |
| Earnings coverage of net charge-offs (x) | 74.0488% | 452 |
| Efficiency ratio | 58.5812% | 5,835 |
| Assets per employee ($millions) | 4.0705% | 3,859 |
| Cash dividends to net income (ytd only)* | 64.5508% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 4,148 |
| Loan loss allowance to noncurrent loans | 93.5949% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.9117% | 4,698 |
| Noncurrent loans to loans | 1.6032% | 3,715 |
| Net loans and leases to total assets | 55.3768% | 4,489 |
| Net loans and leases to deposits | 69.6716% | 3,774 |
| Net loans and leases to core deposits | 79.2163% | 3,152 |
| Total domestic deposits to total assets | 79.4826% | 5,980 |
| Equity capital to assets | 15.4820% | 665 |
| Core capital (leverage) ratio | 14.5700% | 678 |
| Tier 1 risk-based capital ratio | 20.7656% | 1,534 |
| Total risk-based capital ratio | 21.9493% | 1,516 |
| Memoranda: | ||
| Average total assets | $1,129,589,000 | 584 |
| Average earning assets | $986,444,500 | 601 |
| Average equity | $175,635,000 | 422 |
| Average total loans | $635,040,500 | 652 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 3,673 |
| Cost of funding earning assets | 1.5318% | 632 |
| Net interest margin | 3.2973% | 5,814 |
| Noninterest income to average assets | 1.8746% | 417 |
| Noninterest expense to average assets | 2.9553% | 3,752 |
| Loan and lease loss provision to assets | 0.4336% | 2,434 |
| Net operating income to assets | 1.3536% | 1,136 |
| Return on assets (ROA) | 1.3630% | 1,194 |
| Pretax return on assets | 1.4229% | 1,705 |
| Return on Equity (ROE) | 9.3156% | 2,320 |
| Retained earnings to average equity (ytd only) | 2.2592% | 4,602 |
| Net charge-offs to loans | 0.7480% | 2,284 |
| Credit loss provision to net charge-offs | 109.3513% | 3,069 |
| Earnings coverage of net charge-offs (x) | 4.6570% | 3,030 |
| Efficiency ratio | 61.5423% | 5,530 |
| Assets per employee ($millions) | 3.9980% | 3,854 |
| Cash dividends to net income (ytd only)* | 75.7480% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 4,020 |
| Loan loss allowance to noncurrent loans | 107.0360% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 5,016 |
| Noncurrent loans to loans | 1.4025% | 4,048 |
| Net loans and leases to total assets | 55.3731% | 4,818 |
| Net loans and leases to deposits | 70.0287% | 4,098 |
| Net loans and leases to core deposits | 80.7786% | 3,346 |
| Total domestic deposits to total assets | 79.0720% | 5,981 |
| Equity capital to assets | 15.6164% | 650 |
| Core capital (leverage) ratio | 14.5689% | 700 |
| Tier 1 risk-based capital ratio | 20.9292% | 1,428 |
| Total risk-based capital ratio | 22.1153% | 1,421 |
| Memoranda: | ||
| Average total assets | $1,162,267,600 | 560 |
| Average earning assets | $1,031,859,400 | 568 |
| Average equity | $170,059,400 | 416 |
| Average total loans | $616,153,800 | 681 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 4,238 |
| Cost of funding earning assets | 1.5699% | 665 |
| Net interest margin | 3.1776% | 6,210 |
| Noninterest income to average assets | 1.8305% | 433 |
| Noninterest expense to average assets | 2.8344% | 4,216 |
| Loan and lease loss provision to assets | 0.3456% | 2,806 |
| Net operating income to assets | 1.4222% | 1,114 |
| Return on assets (ROA) | 1.4385% | 1,153 |
| Pretax return on assets | 1.5009% | 1,650 |
| Return on Equity (ROE) | 9.9917% | 2,202 |
| Retained earnings to average equity (ytd only) | 0.5171% | 5,799 |
| Net charge-offs to loans | 0.5580% | 2,565 |
| Credit loss provision to net charge-offs | 118.5185% | 2,753 |
| Earnings coverage of net charge-offs (x) | 6.2749% | 2,583 |
| Efficiency ratio | 60.7736% | 5,596 |
| Assets per employee ($millions) | 3.9541% | 3,947 |
| Cash dividends to net income (ytd only)* | 94.8242% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 4,093 |
| Loan loss allowance to noncurrent loans | 91.5943% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 4,809 |
| Noncurrent loans to loans | 1.6383% | 3,837 |
| Net loans and leases to total assets | 56.0710% | 4,827 |
| Net loans and leases to deposits | 70.8037% | 4,163 |
| Net loans and leases to core deposits | 83.2223% | 3,160 |
| Total domestic deposits to total assets | 79.1921% | 5,949 |
| Equity capital to assets | 15.4654% | 732 |
| Core capital (leverage) ratio | 14.3043% | 816 |
| Tier 1 risk-based capital ratio | 20.6266% | 1,532 |
| Total risk-based capital ratio | 21.8238% | 1,515 |
| Memoranda: | ||
| Average total assets | $1,172,972,500 | 560 |
| Average earning assets | $1,045,933,500 | 568 |
| Average equity | $168,870,000 | 427 |
| Average total loans | $612,862,250 | 686 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 4,945 |
| Cost of funding earning assets | 1.5712% | 785 |
| Net interest margin | 3.0329% | 6,543 |
| Noninterest income to average assets | 1.7833% | 429 |
| Noninterest expense to average assets | 2.7631% | 4,576 |
| Loan and lease loss provision to assets | 0.3720% | 2,561 |
| Net operating income to assets | 1.3075% | 1,292 |
| Return on assets (ROA) | 1.3202% | 1,344 |
| Pretax return on assets | 1.3758% | 1,875 |
| Return on Equity (ROE) | 9.3864% | 2,347 |
| Retained earnings to average equity (ytd only) | 0.3324% | 5,713 |
| Net charge-offs to loans | 0.6360% | 2,249 |
| Credit loss provision to net charge-offs | 115.1452% | 2,660 |
| Earnings coverage of net charge-offs (x) | 5.3693% | 2,628 |
| Efficiency ratio | 61.4336% | 5,666 |
| Assets per employee ($millions) | 4.3941% | 3,004 |
| Cash dividends to net income (ytd only)* | 96.4589% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 4,127 |
| Loan loss allowance to noncurrent loans | 87.4483% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 5,072 |
| Noncurrent loans to loans | 1.7165% | 3,862 |
| Net loans and leases to total assets | 49.1162% | 5,934 |
| Net loans and leases to deposits | 61.2411% | 5,587 |
| Net loans and leases to core deposits | 70.9516% | 4,958 |
| Total domestic deposits to total assets | 80.2013% | 5,768 |
| Equity capital to assets | 13.6054% | 1,243 |
| Core capital (leverage) ratio | 14.4765% | 766 |
| Tier 1 risk-based capital ratio | 20.1637% | 1,579 |
| Total risk-based capital ratio | 21.3142% | 1,574 |
| Memoranda: | ||
| Average total assets | $1,193,600,000 | 558 |
| Average earning assets | $1,068,219,670 | 560 |
| Average equity | $167,882,000 | 429 |
| Average total loans | $606,319,670 | 706 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 4,877 |
| Cost of funding earning assets | 1.6118% | 782 |
| Net interest margin | 3.0054% | 6,561 |
| Noninterest income to average assets | 1.7905% | 425 |
| Noninterest expense to average assets | 2.7386% | 4,679 |
| Loan and lease loss provision to assets | 0.2499% | 3,159 |
| Net operating income to assets | 1.4497% | 990 |
| Return on assets (ROA) | 1.4520% | 1,020 |
| Pretax return on assets | 1.5201% | 1,388 |
| Return on Equity (ROE) | 10.1466% | 2,048 |
| Retained earnings to average equity (ytd only) | 7.2762% | 2,029 |
| Net charge-offs to loans | 0.5078% | 2,208 |
| Credit loss provision to net charge-offs | 95.9264% | 2,831 |
| Earnings coverage of net charge-offs (x) | 6.7858% | 2,045 |
| Efficiency ratio | 60.7748% | 5,864 |
| Assets per employee ($millions) | 4.4129% | 3,027 |
| Cash dividends to net income (ytd only)* | 28.2885% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 4,206 |
| Loan loss allowance to noncurrent loans | 77.0187% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 4,876 |
| Noncurrent loans to loans | 1.9492% | 3,639 |
| Net loans and leases to total assets | 48.2258% | 6,053 |
| Net loans and leases to deposits | 59.2498% | 5,796 |
| Net loans and leases to core deposits | 69.2835% | 5,134 |
| Total domestic deposits to total assets | 81.3939% | 5,535 |
| Equity capital to assets | 13.8575% | 1,041 |
| Core capital (leverage) ratio | 14.7715% | 699 |
| Tier 1 risk-based capital ratio | 21.7647% | 1,268 |
| Total risk-based capital ratio | 22.9435% | 1,255 |
| Memoranda: | ||
| Average total assets | $1,168,631,000 | 576 |
| Average earning assets | $1,055,976,500 | 573 |
| Average equity | $167,229,000 | 425 |
| Average total loans | $599,436,500 | 722 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 4,145 |
| Cost of funding earning assets | 1.8666% | 955 |
| Net interest margin | 3.2211% | 6,221 |
| Noninterest income to average assets | 2.0427% | 378 |
| Noninterest expense to average assets | 2.8609% | 4,373 |
| Loan and lease loss provision to assets | 0.5447% | 2,965 |
| Net operating income to assets | 1.4327% | 885 |
| Return on assets (ROA) | 1.4414% | 938 |
| Pretax return on assets | 1.5068% | 1,357 |
| Return on Equity (ROE) | 9.6657% | 2,050 |
| Retained earnings to average equity (ytd only) | 0.3161% | 5,423 |
| Net charge-offs to loans | 1.0120% | 2,173 |
| Credit loss provision to net charge-offs | 99.1870% | 4,663 |
| Earnings coverage of net charge-offs (x) | 3.7193% | 3,225 |
| Efficiency ratio | 58.3465% | 6,299 |
| Assets per employee ($millions) | 4.0248% | 3,736 |
| Cash dividends to net income (ytd only)* | 96.7292% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 3,998 |
| Loan loss allowance to noncurrent loans | 243.6098% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 6,216 |
| Noncurrent loans to loans | 0.6164% | 5,817 |
| Net loans and leases to total assets | 53.0433% | 5,776 |
| Net loans and leases to deposits | 68.4325% | 5,048 |
| Net loans and leases to core deposits | 82.8909% | 3,764 |
| Total domestic deposits to total assets | 77.5119% | 6,400 |
| Equity capital to assets | 14.8057% | 834 |
| Core capital (leverage) ratio | 14.5856% | 735 |
| Tier 1 risk-based capital ratio | 21.9339% | 1,188 |
| Total risk-based capital ratio | 23.1481% | 1,165 |
| Memoranda: | ||
| Average total assets | $1,119,955,400 | 589 |
| Average earning assets | $994,619,600 | 603 |
| Average equity | $167,012,800 | 414 |
| Average total loans | $607,727,800 | 730 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 4,233 |
| Cost of funding earning assets | 1.8830% | 1,080 |
| Net interest margin | 3.2334% | 6,239 |
| Noninterest income to average assets | 2.0896% | 358 |
| Noninterest expense to average assets | 2.7997% | 4,491 |
| Loan and lease loss provision to assets | 0.5958% | 2,561 |
| Net operating income to assets | 1.4850% | 948 |
| Return on assets (ROA) | 1.4951% | 1,011 |
| Pretax return on assets | 1.5634% | 1,435 |
| Return on Equity (ROE) | 10.0081% | 2,118 |
| Retained earnings to average equity (ytd only) | -2.4214% | 6,270 |
| Net charge-offs to loans | 1.0812% | 1,877 |
| Credit loss provision to net charge-offs | 101.3555% | 4,255 |
| Earnings coverage of net charge-offs (x) | 3.6553% | 3,351 |
| Efficiency ratio | 56.5798% | 6,479 |
| Assets per employee ($millions) | 4.3162% | 3,231 |
| Cash dividends to net income (ytd only)* | 124.1947% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 3,959 |
| Loan loss allowance to noncurrent loans | 203.9527% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 6,237 |
| Noncurrent loans to loans | 0.7357% | 5,733 |
| Net loans and leases to total assets | 50.5081% | 6,271 |
| Net loans and leases to deposits | 63.0528% | 6,019 |
| Net loans and leases to core deposits | 76.5090% | 4,991 |
| Total domestic deposits to total assets | 80.1046% | 5,671 |
| Equity capital to assets | 14.0474% | 1,154 |
| Core capital (leverage) ratio | 14.3842% | 834 |
| Tier 1 risk-based capital ratio | 20.8484% | 1,385 |
| Total risk-based capital ratio | 22.0437% | 1,373 |
| Memoranda: | ||
| Average total assets | $1,121,224,750 | 587 |
| Average earning assets | $991,293,000 | 600 |
| Average equity | $167,499,500 | 406 |
| Average total loans | $609,563,750 | 731 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1944% | 3,989 |
| Cost of funding earning assets | 1.9339% | 1,094 |
| Net interest margin | 3.2605% | 6,132 |
| Noninterest income to average assets | 2.1315% | 320 |
| Noninterest expense to average assets | 2.8189% | 4,397 |
| Loan and lease loss provision to assets | 0.4639% | 2,998 |
| Net operating income to assets | 1.6482% | 648 |
| Return on assets (ROA) | 1.6503% | 692 |
| Pretax return on assets | 1.7234% | 1,019 |
| Return on Equity (ROE) | 10.8147% | 1,809 |
| Retained earnings to average equity (ytd only) | -3.3907% | 6,353 |
| Net charge-offs to loans | 0.7467% | 2,371 |
| Credit loss provision to net charge-offs | 111.9895% | 3,622 |
| Earnings coverage of net charge-offs (x) | 5.2749% | 2,712 |
| Efficiency ratio | 56.3316% | 6,600 |
| Assets per employee ($millions) | 4.0704% | 3,634 |
| Cash dividends to net income (ytd only)* | 131.3527% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,937 |
| Loan loss allowance to noncurrent loans | 179.6307% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 6,258 |
| Noncurrent loans to loans | 0.8351% | 5,613 |
| Net loans and leases to total assets | 53.6139% | 6,035 |
| Net loans and leases to deposits | 68.0507% | 5,556 |
| Net loans and leases to core deposits | 83.4121% | 4,222 |
| Total domestic deposits to total assets | 78.7852% | 6,087 |
| Equity capital to assets | 14.5539% | 996 |
| Core capital (leverage) ratio | 14.5424% | 811 |
| Tier 1 risk-based capital ratio | 20.4931% | 1,434 |
| Total risk-based capital ratio | 21.6931% | 1,410 |
| Memoranda: | ||
| Average total assets | $1,099,312,670 | 599 |
| Average earning assets | $968,496,670 | 617 |
| Average equity | $167,753,670 | 407 |
| Average total loans | $609,870,000 | 734 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2866% | 3,606 |
| Cost of funding earning assets | 1.9898% | 1,127 |
| Net interest margin | 3.2968% | 5,984 |
| Noninterest income to average assets | 2.1558% | 307 |
| Noninterest expense to average assets | 2.8585% | 4,236 |
| Loan and lease loss provision to assets | 0.4122% | 2,896 |
| Net operating income to assets | 1.7143% | 595 |
| Return on assets (ROA) | 1.7143% | 649 |
| Pretax return on assets | 1.7900% | 893 |
| Return on Equity (ROE) | 10.9645% | 1,798 |
| Retained earnings to average equity (ytd only) | 0.9881% | 5,421 |
| Net charge-offs to loans | 0.7509% | 2,007 |
| Credit loss provision to net charge-offs | 97.9700% | 3,489 |
| Earnings coverage of net charge-offs (x) | 5.2339% | 2,436 |
| Efficiency ratio | 56.4835% | 6,699 |
| Assets per employee ($millions) | 4.0123% | 3,839 |
| Cash dividends to net income (ytd only)* | 90.9879% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,910 |
| Loan loss allowance to noncurrent loans | 173.2044% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 6,255 |
| Noncurrent loans to loans | 0.8662% | 5,588 |
| Net loans and leases to total assets | 52.8468% | 6,171 |
| Net loans and leases to deposits | 67.5136% | 5,645 |
| Net loans and leases to core deposits | 84.6560% | 4,112 |
| Total domestic deposits to total assets | 78.2758% | 6,248 |
| Equity capital to assets | 15.0155% | 880 |
| Core capital (leverage) ratio | 14.9885% | 755 |
| Tier 1 risk-based capital ratio | 21.8199% | 1,222 |
| Total risk-based capital ratio | 23.0323% | 1,217 |
| Memoranda: | ||
| Average total assets | $1,077,079,500 | 628 |
| Average earning assets | $949,034,000 | 644 |
| Average equity | $168,398,500 | 407 |
| Average total loans | $603,523,000 | 765 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 3,750 |
| Cost of funding earning assets | 2.2693% | 1,772 |
| Net interest margin | 3.3026% | 5,732 |
| Noninterest income to average assets | 2.3127% | 310 |
| Noninterest expense to average assets | 3.2307% | 3,273 |
| Loan and lease loss provision to assets | 0.9488% | 2,374 |
| Net operating income to assets | 1.0530% | 1,652 |
| Return on assets (ROA) | 1.0572% | 1,678 |
| Pretax return on assets | 1.1080% | 2,222 |
| Return on Equity (ROE) | 6.3340% | 3,061 |
| Retained earnings to average equity (ytd only) | 0.4628% | 4,647 |
| Net charge-offs to loans | 1.0791% | 2,262 |
| Credit loss provision to net charge-offs | 147.6489% | 3,175 |
| Earnings coverage of net charge-offs (x) | 3.1939% | 3,460 |
| Efficiency ratio | 61.1526% | 6,308 |
| Assets per employee ($millions) | 3.6943% | 4,529 |
| Cash dividends to net income (ytd only)* | 92.6932% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,727 |
| Loan loss allowance to noncurrent loans | 164.0311% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 5,996 |
| Noncurrent loans to loans | 0.9146% | 5,481 |
| Net loans and leases to total assets | 57.7496% | 5,698 |
| Net loans and leases to deposits | 76.8436% | 4,596 |
| Net loans and leases to core deposits | 89.3596% | 5,192 |
| Total domestic deposits to total assets | 75.1521% | 6,840 |
| Equity capital to assets | 16.3097% | 655 |
| Core capital (leverage) ratio | 15.1056% | 756 |
| Tier 1 risk-based capital ratio | 22.0712% | 1,141 |
| Total risk-based capital ratio | 23.3039% | 1,119 |
| Memoranda: | ||
| Average total assets | $992,881,200 | 674 |
| Average earning assets | $892,992,400 | 676 |
| Average equity | $165,724,200 | 418 |
| Average total loans | $591,253,600 | 804 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5402% | 4,211 |
| Cost of funding earning assets | 2.2704% | 2,107 |
| Net interest margin | 3.2698% | 5,754 |
| Noninterest income to average assets | 2.3059% | 301 |
| Noninterest expense to average assets | 3.2232% | 3,224 |
| Loan and lease loss provision to assets | 0.9490% | 2,030 |
| Net operating income to assets | 1.0512% | 1,895 |
| Return on assets (ROA) | 1.0522% | 1,957 |
| Pretax return on assets | 1.1039% | 2,548 |
| Return on Equity (ROE) | 6.2664% | 3,410 |
| Retained earnings to average equity (ytd only) | 0.6831% | 4,904 |
| Net charge-offs to loans | 0.8780% | 2,208 |
| Credit loss provision to net charge-offs | 180.7851% | 2,530 |
| Earnings coverage of net charge-offs (x) | 3.9086% | 3,338 |
| Efficiency ratio | 61.1031% | 6,255 |
| Assets per employee ($millions) | 3.8484% | 4,083 |
| Cash dividends to net income (ytd only)* | 89.0994% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 3,434 |
| Loan loss allowance to noncurrent loans | 157.3663% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 5,972 |
| Noncurrent loans to loans | 0.9537% | 5,387 |
| Net loans and leases to total assets | 56.3589% | 6,100 |
| Net loans and leases to deposits | 73.4627% | 5,453 |
| Net loans and leases to core deposits | 88.3240% | 5,611 |
| Total domestic deposits to total assets | 76.7177% | 6,418 |
| Equity capital to assets | 15.8666% | 811 |
| Core capital (leverage) ratio | 15.7560% | 718 |
| Tier 1 risk-based capital ratio | 22.1828% | 1,204 |
| Total risk-based capital ratio | 23.4329% | 1,181 |
| Memoranda: | ||
| Average total assets | $983,426,000 | 693 |
| Average earning assets | $892,988,000 | 690 |
| Average equity | $165,129,250 | 425 |
| Average total loans | $587,994,000 | 827 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 4,148 |
| Cost of funding earning assets | 2.3126% | 2,306 |
| Net interest margin | 3.2719% | 5,655 |
| Noninterest income to average assets | 2.3551% | 287 |
| Noninterest expense to average assets | 3.3016% | 2,955 |
| Loan and lease loss provision to assets | 1.1717% | 1,469 |
| Net operating income to assets | 0.8302% | 2,736 |
| Return on assets (ROA) | 0.8308% | 2,826 |
| Pretax return on assets | 0.8702% | 3,444 |
| Return on Equity (ROE) | 4.8488% | 4,143 |
| Retained earnings to average equity (ytd only) | -1.5190% | 5,621 |
| Net charge-offs to loans | 0.9568% | 1,819 |
| Credit loss provision to net charge-offs | 201.5839% | 2,259 |
| Earnings coverage of net charge-offs (x) | 3.5119% | 3,413 |
| Efficiency ratio | 61.7951% | 6,276 |
| Assets per employee ($millions) | 3.6927% | 4,344 |
| Cash dividends to net income (ytd only)* | 131.3271% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,188 |
| Loan loss allowance to noncurrent loans | 189.3025% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 6,136 |
| Noncurrent loans to loans | 0.7931% | 5,645 |
| Net loans and leases to total assets | 56.7511% | 6,118 |
| Net loans and leases to deposits | 74.3676% | 5,400 |
| Net loans and leases to core deposits | 89.8557% | 5,544 |
| Total domestic deposits to total assets | 76.3115% | 6,484 |
| Equity capital to assets | 15.8860% | 848 |
| Core capital (leverage) ratio | 15.9643% | 746 |
| Tier 1 risk-based capital ratio | 23.1409% | 1,119 |
| Total risk-based capital ratio | 24.3913% | 1,100 |
| Memoranda: | ||
| Average total assets | $955,895,330 | 728 |
| Average earning assets | $872,876,000 | 720 |
| Average equity | $163,792,000 | 436 |
| Average total loans | $580,675,330 | 856 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8027% | 3,286 |
| Cost of funding earning assets | 2.3907% | 2,333 |
| Net interest margin | 3.4120% | 5,086 |
| Noninterest income to average assets | 2.4198% | 262 |
| Noninterest expense to average assets | 3.3183% | 2,603 |
| Loan and lease loss provision to assets | 0.8630% | 1,520 |
| Net operating income to assets | 1.2858% | 1,417 |
| Return on assets (ROA) | 1.2871% | 1,512 |
| Pretax return on assets | 1.3460% | 2,131 |
| Return on Equity (ROE) | 7.2196% | 3,492 |
| Retained earnings to average equity (ytd only) | 3.5709% | 3,907 |
| Net charge-offs to loans | 1.1882% | 1,166 |
| Credit loss provision to net charge-offs | 116.2383% | 3,356 |
| Earnings coverage of net charge-offs (x) | 2.9737% | 3,316 |
| Efficiency ratio | 60.0487% | 6,398 |
| Assets per employee ($millions) | 3.3384% | 5,226 |
| Cash dividends to net income (ytd only)* | 50.5391% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 5,684 |
| Loan loss allowance to noncurrent loans | 177.0289% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 6,115 |
| Noncurrent loans to loans | 0.6048% | 5,883 |
| Net loans and leases to total assets | 64.6259% | 4,881 |
| Net loans and leases to deposits | 88.8215% | 3,137 |
| Net loans and leases to core deposits | 110.5370% | 3,366 |
| Total domestic deposits to total assets | 72.7593% | 7,090 |
| Equity capital to assets | 18.4385% | 549 |
| Core capital (leverage) ratio | 17.2924% | 624 |
| Tier 1 risk-based capital ratio | 24.1856% | 1,057 |
| Total risk-based capital ratio | 25.1209% | 1,074 |
| Memoranda: | ||
| Average total assets | $922,405,000 | 763 |
| Average earning assets | $839,746,500 | 756 |
| Average equity | $164,441,000 | 428 |
| Average total loans | $576,342,500 | 865 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2111% | 4,457 |
| Cost of funding earning assets | 2.4255% | 4,604 |
| Net interest margin | 3.7856% | 4,079 |
| Noninterest income to average assets | 2.4517% | 259 |
| Noninterest expense to average assets | 3.2159% | 3,279 |
| Loan and lease loss provision to assets | 0.3870% | 3,372 |
| Net operating income to assets | 2.1870% | 246 |
| Return on assets (ROA) | 2.2097% | 230 |
| Pretax return on assets | 2.2410% | 363 |
| Return on Equity (ROE) | 12.8525% | 1,369 |
| Retained earnings to average equity (ytd only) | 9.0335% | 602 |
| Net charge-offs to loans | 0.5972% | 2,038 |
| Credit loss provision to net charge-offs | 111.4477% | 4,840 |
| Earnings coverage of net charge-offs (x) | 7.5022% | 3,097 |
| Efficiency ratio | 55.2472% | 7,116 |
| Assets per employee ($millions) | 3.4685% | 4,755 |
| Cash dividends to net income (ytd only)* | 29.7139% | 4,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 5,492 |
| Loan loss allowance to noncurrent loans | 187.4339% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 6,029 |
| Noncurrent loans to loans | 0.5702% | 5,660 |
| Net loans and leases to total assets | 59.1279% | 6,037 |
| Net loans and leases to deposits | 79.9999% | 5,042 |
| Net loans and leases to core deposits | 96.5193% | 5,207 |
| Total domestic deposits to total assets | 73.9100% | 6,673 |
| Equity capital to assets | 17.2436% | 753 |
| Core capital (leverage) ratio | 16.8436% | 715 |
| Tier 1 risk-based capital ratio | 23.9133% | 1,098 |
| Total risk-based capital ratio | 24.8053% | 1,106 |
| Memoranda: | ||
| Average total assets | $903,143,000 | 734 |
| Average earning assets | $803,798,600 | 764 |
| Average equity | $155,276,800 | 455 |
| Average total loans | $525,098,000 | 902 |