Home > First United Bank & Trust > Performance and Condition Ratios
First United Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 2,841 |
| Cost of funding earning assets | 1.3097% | 2,488 |
| Net interest margin | 3.3147% | 2,596 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 2.6553% | 1,857 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.0095% | 2,188 |
| Return on assets (ROA) | 0.8331% | 2,747 |
| Pretax return on assets | 1.0784% | 2,474 |
| Return on Equity (ROE) | 10.0000% | 2,494 |
| Retained earnings to average equity (ytd only) | 6.0983% | 2,208 |
| Net charge-offs to loans | 0.0687% | 1,164 |
| Credit loss provision to net charge-offs | 184.4734% | 1,284 |
| Earnings coverage of net charge-offs (x) | 28.4300% | 1,664 |
| Efficiency ratio | 65.2467% | 2,451 |
| Assets per employee ($millions) | 5.8818% | 2,922 |
| Cash dividends to net income (ytd only)* | 38.9900% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,060 |
| Loan loss allowance to noncurrent loans | 388.5308% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 1,173 |
| Noncurrent loans to loans | 0.3197% | 2,039 |
| Net loans and leases to total assets | 73.8300% | 1,384 |
| Net loans and leases to deposits | 88.9567% | 1,341 |
| Net loans and leases to core deposits | 93.6675% | 1,794 |
| Total domestic deposits to total assets | 83.0000% | 2,892 |
| Equity capital to assets | 8.7599% | 2,855 |
| Core capital (leverage) ratio | 9.9210% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0510% | 1,852 |
| Memoranda: | ||
| Average total assets | $1,887,112,400 | 602 |
| Average earning assets | $1,722,782,000 | 603 |
| Average equity | $157,288,800 | 651 |
| Average total loans | $1,341,326,400 | 568 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 2,955 |
| Cost of funding earning assets | 1.1611% | 2,561 |
| Net interest margin | 3.3141% | 2,648 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 2.6564% | 1,781 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9706% | 2,447 |
| Return on assets (ROA) | 0.9706% | 2,441 |
| Pretax return on assets | 1.2661% | 2,127 |
| Return on Equity (ROE) | 11.8000% | 2,178 |
| Retained earnings to average equity (ytd only) | 7.6896% | 2,079 |
| Net charge-offs to loans | 0.0731% | 964 |
| Credit loss provision to net charge-offs | 161.1570% | 1,273 |
| Earnings coverage of net charge-offs (x) | 26.3526% | 1,670 |
| Efficiency ratio | 65.8550% | 2,299 |
| Assets per employee ($millions) | 6.0089% | 2,753 |
| Cash dividends to net income (ytd only)* | 34.8076% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,155 |
| Loan loss allowance to noncurrent loans | 473.1236% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 1,309 |
| Noncurrent loans to loans | 0.2626% | 2,296 |
| Net loans and leases to total assets | 71.5600% | 1,633 |
| Net loans and leases to deposits | 85.8406% | 1,587 |
| Net loans and leases to core deposits | 92.0830% | 1,788 |
| Total domestic deposits to total assets | 83.3600% | 2,943 |
| Equity capital to assets | 8.1998% | 2,924 |
| Core capital (leverage) ratio | 9.8091% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1166% | 1,850 |
| Memoranda: | ||
| Average total assets | $1,888,344,000 | 606 |
| Average earning assets | $1,724,120,500 | 603 |
| Average equity | $155,391,500 | 652 |
| Average total loans | $1,324,880,500 | 570 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 3,064 |
| Cost of funding earning assets | 0.9670% | 2,715 |
| Net interest margin | 3.3503% | 2,640 |
| Noninterest income to average assets | 0.9600% | 608 |
| Noninterest expense to average assets | 2.6562% | 1,767 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.9604% | 2,543 |
| Return on assets (ROA) | 0.9604% | 2,535 |
| Pretax return on assets | 1.2619% | 2,185 |
| Return on Equity (ROE) | 11.6600% | 2,258 |
| Retained earnings to average equity (ytd only) | 7.2213% | 2,221 |
| Net charge-offs to loans | 0.0987% | 685 |
| Credit loss provision to net charge-offs | 131.4729% | 1,280 |
| Earnings coverage of net charge-offs (x) | 19.8729% | 1,739 |
| Efficiency ratio | 65.6752% | 2,284 |
| Assets per employee ($millions) | 5.8303% | 2,857 |
| Cash dividends to net income (ytd only)* | 38.0489% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,164 |
| Loan loss allowance to noncurrent loans | 539.9233% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 1,279 |
| Noncurrent loans to loans | 0.2318% | 2,337 |
| Net loans and leases to total assets | 69.9500% | 1,745 |
| Net loans and leases to deposits | 83.6313% | 1,704 |
| Net loans and leases to core deposits | 89.4800% | 1,826 |
| Total domestic deposits to total assets | 83.6400% | 2,907 |
| Equity capital to assets | 8.2214% | 3,073 |
| Core capital (leverage) ratio | 9.8579% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8715% | 1,949 |
| Memoranda: | ||
| Average total assets | $1,882,854,333 | 594 |
| Average earning assets | $1,718,665,667 | 593 |
| Average equity | $155,125,000 | 651 |
| Average total loans | $1,306,431,667 | 564 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 3,261 |
| Cost of funding earning assets | 0.6888% | 3,085 |
| Net interest margin | 3.4059% | 2,616 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.6760% | 1,736 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9588% | 2,658 |
| Return on assets (ROA) | 0.9588% | 2,621 |
| Pretax return on assets | 1.2536% | 2,291 |
| Return on Equity (ROE) | 11.6300% | 2,312 |
| Retained earnings to average equity (ytd only) | 7.4522% | 2,376 |
| Net charge-offs to loans | 0.0763% | 691 |
| Credit loss provision to net charge-offs | 168.9796% | 902 |
| Earnings coverage of net charge-offs (x) | 26.1510% | 1,354 |
| Efficiency ratio | 65.7102% | 2,238 |
| Assets per employee ($millions) | 6.0449% | 2,726 |
| Cash dividends to net income (ytd only)* | 35.8974% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 1,989 |
| Loan loss allowance to noncurrent loans | 504.5156% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 1,244 |
| Noncurrent loans to loans | 0.2594% | 2,219 |
| Net loans and leases to total assets | 66.4000% | 2,017 |
| Net loans and leases to deposits | 79.2720% | 1,872 |
| Net loans and leases to core deposits | 91.9386% | 1,504 |
| Total domestic deposits to total assets | 83.7600% | 3,136 |
| Equity capital to assets | 8.1091% | 3,165 |
| Core capital (leverage) ratio | 10.0016% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2436% | 1,885 |
| Memoranda: | ||
| Average total assets | $1,871,033,000 | 610 |
| Average earning assets | $1,707,983,000 | 609 |
| Average equity | $154,317,000 | 666 |
| Average total loans | $1,284,378,500 | 586 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 2,138 |
| Cost of funding earning assets | 0.2097% | 3,679 |
| Net interest margin | 3.6389% | 1,524 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 2.4423% | 2,297 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.4594% | 984 |
| Return on assets (ROA) | 1.4636% | 934 |
| Pretax return on assets | 1.9376% | 535 |
| Return on Equity (ROE) | 17.2500% | 823 |
| Retained earnings to average equity (ytd only) | 7.1913% | 2,150 |
| Net charge-offs to loans | 0.0551% | 1,110 |
| Credit loss provision to net charge-offs | -95.2593% | 4,578 |
| Earnings coverage of net charge-offs (x) | 49.3333% | 1,374 |
| Efficiency ratio | 56.0117% | 3,582 |
| Assets per employee ($millions) | 5.7416% | 2,996 |
| Cash dividends to net income (ytd only)* | 58.3213% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,677 |
| Loan loss allowance to noncurrent loans | 384.9553% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 1,087 |
| Noncurrent loans to loans | 0.2971% | 2,076 |
| Net loans and leases to total assets | 69.2800% | 1,703 |
| Net loans and leases to deposits | 79.8729% | 1,779 |
| Net loans and leases to core deposits | 91.2961% | 1,437 |
| Total domestic deposits to total assets | 86.7300% | 2,482 |
| Equity capital to assets | 8.3931% | 2,777 |
| Core capital (leverage) ratio | 10.0100% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3655% | 1,826 |
| Memoranda: | ||
| Average total assets | $1,756,654,600 | 621 |
| Average earning assets | $1,601,666,800 | 616 |
| Average equity | $149,013,200 | 684 |
| Average total loans | $1,225,265,200 | 569 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 1,901 |
| Cost of funding earning assets | 0.1341% | 3,997 |
| Net interest margin | 3.6126% | 1,364 |
| Noninterest income to average assets | 1.0300% | 630 |
| Noninterest expense to average assets | 2.4158% | 2,275 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4096% | 1,064 |
| Return on assets (ROA) | 1.4154% | 1,017 |
| Pretax return on assets | 1.9086% | 573 |
| Return on Equity (ROE) | 16.6400% | 863 |
| Retained earnings to average equity (ytd only) | 13.0397% | 608 |
| Net charge-offs to loans | 0.0561% | 921 |
| Credit loss provision to net charge-offs | 19.0196% | 1,631 |
| Earnings coverage of net charge-offs (x) | 48.8235% | 1,299 |
| Efficiency ratio | 55.5845% | 3,667 |
| Assets per employee ($millions) | 5.9988% | 2,759 |
| Cash dividends to net income (ytd only)* | 21.6355% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 2,443 |
| Loan loss allowance to noncurrent loans | 618.9168% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 1,337 |
| Noncurrent loans to loans | 0.1965% | 2,620 |
| Net loans and leases to total assets | 70.8600% | 1,406 |
| Net loans and leases to deposits | 83.3748% | 1,348 |
| Net loans and leases to core deposits | 92.7752% | 1,152 |
| Total domestic deposits to total assets | 84.9800% | 3,291 |
| Equity capital to assets | 8.0317% | 2,869 |
| Core capital (leverage) ratio | 10.3265% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4875% | 1,881 |
| Memoranda: | ||
| Average total assets | $1,739,357,250 | 626 |
| Average earning assets | $1,586,058,250 | 626 |
| Average equity | $147,955,250 | 690 |
| Average total loans | $1,211,708,250 | 566 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6294% | 1,749 |
| Cost of funding earning assets | 0.1170% | 3,995 |
| Net interest margin | 3.5124% | 1,287 |
| Noninterest income to average assets | 1.0301% | 626 |
| Noninterest expense to average assets | 2.4267% | 2,152 |
| Loan and lease loss provision to assets | 0.0238% | 2,171 |
| Net operating income to assets | 1.3522% | 1,017 |
| Return on assets (ROA) | 1.3525% | 1,001 |
| Pretax return on assets | 1.7880% | 618 |
| Return on Equity (ROE) | 15.6002% | 774 |
| Retained earnings to average equity (ytd only) | 12.9326% | 477 |
| Net charge-offs to loans | 0.0711% | 737 |
| Credit loss provision to net charge-offs | 48.4634% | 1,504 |
| Earnings coverage of net charge-offs (x) | 36.9409% | 1,300 |
| Efficiency ratio | 57.2593% | 3,646 |
| Assets per employee ($millions) | 5.9283% | 2,810 |
| Cash dividends to net income (ytd only)* | 17.0995% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,296 |
| Loan loss allowance to noncurrent loans | 636.0954% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 1,394 |
| Noncurrent loans to loans | 0.2005% | 2,708 |
| Net loans and leases to total assets | 70.3542% | 1,266 |
| Net loans and leases to deposits | 81.8881% | 1,250 |
| Net loans and leases to core deposits | 88.6207% | 1,192 |
| Total domestic deposits to total assets | 85.9151% | 3,271 |
| Equity capital to assets | 8.3951% | 2,841 |
| Core capital (leverage) ratio | 10.3999% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6376% | 1,822 |
| Memoranda: | ||
| Average total assets | $1,725,310,000 | 627 |
| Average earning assets | $1,575,797,000 | 631 |
| Average equity | $149,575,333 | 692 |
| Average total loans | $1,189,636,000 | 568 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 1,612 |
| Cost of funding earning assets | 0.1255% | 3,829 |
| Net interest margin | 3.4371% | 1,216 |
| Noninterest income to average assets | 1.0313% | 643 |
| Noninterest expense to average assets | 2.4426% | 2,040 |
| Loan and lease loss provision to assets | -0.0973% | 4,596 |
| Net operating income to assets | 1.3629% | 874 |
| Return on assets (ROA) | 1.3634% | 863 |
| Pretax return on assets | 1.8283% | 517 |
| Return on Equity (ROE) | 15.4805% | 585 |
| Retained earnings to average equity (ytd only) | 12.8569% | 482 |
| Net charge-offs to loans | 0.0836% | 585 |
| Credit loss provision to net charge-offs | -171.7213% | 2,956 |
| Earnings coverage of net charge-offs (x) | 30.5369% | 1,122 |
| Efficiency ratio | 58.5341% | 3,630 |
| Assets per employee ($millions) | 6.0994% | 2,714 |
| Cash dividends to net income (ytd only)* | 16.9477% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,394 |
| Loan loss allowance to noncurrent loans | 645.5044% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 1,524 |
| Noncurrent loans to loans | 0.2005% | 2,821 |
| Net loans and leases to total assets | 67.0905% | 1,301 |
| Net loans and leases to deposits | 77.1866% | 1,345 |
| Net loans and leases to core deposits | 83.8016% | 1,250 |
| Total domestic deposits to total assets | 86.9199% | 2,958 |
| Equity capital to assets | 8.5713% | 3,105 |
| Core capital (leverage) ratio | 10.1361% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7735% | 1,885 |
| Memoranda: | ||
| Average total assets | $1,722,433,000 | 628 |
| Average earning assets | $1,574,367,500 | 633 |
| Average equity | $151,701,000 | 703 |
| Average total loans | $1,167,647,500 | 578 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 2,190 |
| Cost of funding earning assets | 0.2838% | 2,558 |
| Net interest margin | 3.3890% | 2,070 |
| Noninterest income to average assets | 1.1804% | 763 |
| Noninterest expense to average assets | 2.4871% | 2,220 |
| Loan and lease loss provision to assets | -0.0474% | 4,342 |
| Net operating income to assets | 1.3858% | 1,327 |
| Return on assets (ROA) | 1.3904% | 1,365 |
| Pretax return on assets | 1.8389% | 837 |
| Return on Equity (ROE) | 16.1118% | 738 |
| Retained earnings to average equity (ytd only) | 3.4806% | 3,420 |
| Net charge-offs to loans | -0.0244% | 4,049 |
| Credit loss provision to net charge-offs | 286.6667% | 1,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2080% | 3,414 |
| Assets per employee ($millions) | 5.9669% | 2,812 |
| Cash dividends to net income (ytd only)* | 78.3971% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 1,986 |
| Loan loss allowance to noncurrent loans | 577.6249% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 1,546 |
| Noncurrent loans to loans | 0.2394% | 2,775 |
| Net loans and leases to total assets | 66.6727% | 1,410 |
| Net loans and leases to deposits | 77.3409% | 1,464 |
| Net loans and leases to core deposits | 84.3370% | 1,306 |
| Total domestic deposits to total assets | 86.2063% | 2,834 |
| Equity capital to assets | 9.0478% | 3,576 |
| Core capital (leverage) ratio | 10.0011% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9675% | 1,853 |
| Memoranda: | ||
| Average total assets | $1,723,928,000 | 608 |
| Average earning assets | $1,573,045,600 | 610 |
| Average equity | $148,767,200 | 721 |
| Average total loans | $1,166,973,800 | 569 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 2,434 |
| Cost of funding earning assets | 0.3258% | 2,341 |
| Net interest margin | 3.3202% | 2,356 |
| Noninterest income to average assets | 1.1580% | 850 |
| Noninterest expense to average assets | 2.5920% | 1,865 |
| Loan and lease loss provision to assets | 0.0053% | 2,871 |
| Net operating income to assets | 1.1997% | 2,171 |
| Return on assets (ROA) | 1.2058% | 2,206 |
| Pretax return on assets | 1.5928% | 1,723 |
| Return on Equity (ROE) | 14.1421% | 1,353 |
| Retained earnings to average equity (ytd only) | -1.0505% | 4,666 |
| Net charge-offs to loans | -0.0401% | 4,254 |
| Credit loss provision to net charge-offs | -19.3182% | 3,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9752% | 2,706 |
| Assets per employee ($millions) | 6.1326% | 2,562 |
| Cash dividends to net income (ytd only)* | 107.4280% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 1,797 |
| Loan loss allowance to noncurrent loans | 221.5727% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 825 |
| Noncurrent loans to loans | 0.6565% | 1,671 |
| Net loans and leases to total assets | 67.9122% | 1,334 |
| Net loans and leases to deposits | 79.2113% | 1,358 |
| Net loans and leases to core deposits | 86.2282% | 1,275 |
| Total domestic deposits to total assets | 85.7355% | 2,855 |
| Equity capital to assets | 8.7094% | 4,061 |
| Core capital (leverage) ratio | 9.5860% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6334% | 2,114 |
| Memoranda: | ||
| Average total assets | $1,728,273,750 | 608 |
| Average earning assets | $1,574,224,250 | 614 |
| Average equity | $147,357,750 | 737 |
| Average total loans | $1,170,278,750 | 583 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 2,745 |
| Cost of funding earning assets | 0.3621% | 2,207 |
| Net interest margin | 3.1977% | 2,766 |
| Noninterest income to average assets | 1.1855% | 815 |
| Noninterest expense to average assets | 2.3681% | 2,558 |
| Loan and lease loss provision to assets | 0.0763% | 1,564 |
| Net operating income to assets | 1.2509% | 2,019 |
| Return on assets (ROA) | 1.2648% | 2,049 |
| Pretax return on assets | 1.6724% | 1,552 |
| Return on Equity (ROE) | 14.9380% | 1,176 |
| Retained earnings to average equity (ytd only) | -6.4711% | 4,815 |
| Net charge-offs to loans | 0.0142% | 1,665 |
| Credit loss provision to net charge-offs | 801.2048% | 540 |
| Earnings coverage of net charge-offs (x) | 181.6747% | 528 |
| Efficiency ratio | 57.7714% | 3,315 |
| Assets per employee ($millions) | 5.9709% | 2,646 |
| Cash dividends to net income (ytd only)* | 143.3200% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,629 |
| Loan loss allowance to noncurrent loans | 225.8269% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 971 |
| Noncurrent loans to loans | 0.6591% | 1,770 |
| Net loans and leases to total assets | 64.7961% | 1,852 |
| Net loans and leases to deposits | 77.4265% | 1,687 |
| Net loans and leases to core deposits | 84.9568% | 1,495 |
| Total domestic deposits to total assets | 83.6872% | 3,524 |
| Equity capital to assets | 8.2698% | 4,376 |
| Core capital (leverage) ratio | 9.2032% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9145% | 1,995 |
| Memoranda: | ||
| Average total assets | $1,742,212,333 | 600 |
| Average earning assets | $1,587,444,000 | 602 |
| Average equity | $147,516,667 | 726 |
| Average total loans | $1,172,966,333 | 586 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 2,850 |
| Cost of funding earning assets | 0.3807% | 2,255 |
| Net interest margin | 3.1426% | 2,865 |
| Noninterest income to average assets | 1.2524% | 806 |
| Noninterest expense to average assets | 2.3216% | 2,715 |
| Loan and lease loss provision to assets | 0.0253% | 2,455 |
| Net operating income to assets | 1.3386% | 1,716 |
| Return on assets (ROA) | 1.3386% | 1,802 |
| Pretax return on assets | 1.7612% | 1,376 |
| Return on Equity (ROE) | 15.6264% | 1,087 |
| Retained earnings to average equity (ytd only) | 4.1989% | 3,446 |
| Net charge-offs to loans | 0.0142% | 1,463 |
| Credit loss provision to net charge-offs | 261.9048% | 798 |
| Earnings coverage of net charge-offs (x) | 185.1905% | 427 |
| Efficiency ratio | 56.5135% | 3,489 |
| Assets per employee ($millions) | 6.0217% | 2,582 |
| Cash dividends to net income (ytd only)* | 73.1297% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 2,059 |
| Loan loss allowance to noncurrent loans | 209.6505% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 1,008 |
| Noncurrent loans to loans | 0.6576% | 1,926 |
| Net loans and leases to total assets | 67.1184% | 1,646 |
| Net loans and leases to deposits | 80.4756% | 1,481 |
| Net loans and leases to core deposits | 91.0949% | 1,162 |
| Total domestic deposits to total assets | 83.4022% | 3,589 |
| Equity capital to assets | 8.3584% | 4,226 |
| Core capital (leverage) ratio | 9.6208% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6178% | 1,697 |
| Memoranda: | ||
| Average total assets | $1,741,569,500 | 598 |
| Average earning assets | $1,582,508,000 | 594 |
| Average equity | $149,183,500 | 718 |
| Average total loans | $1,186,056,500 | 578 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 2,612 |
| Cost of funding earning assets | 0.5823% | 2,430 |
| Net interest margin | 3.4557% | 2,614 |
| Noninterest income to average assets | 1.1542% | 815 |
| Noninterest expense to average assets | 2.5354% | 2,735 |
| Loan and lease loss provision to assets | 0.3426% | 1,024 |
| Net operating income to assets | 1.0878% | 1,966 |
| Return on assets (ROA) | 1.1147% | 1,982 |
| Pretax return on assets | 1.4369% | 1,550 |
| Return on Equity (ROE) | 12.1651% | 1,277 |
| Retained earnings to average equity (ytd only) | 7.0919% | 1,367 |
| Net charge-offs to loans | 0.1281% | 1,230 |
| Credit loss provision to net charge-offs | 371.9697% | 1,521 |
| Earnings coverage of net charge-offs (x) | 18.9518% | 2,001 |
| Efficiency ratio | 59.2247% | 3,564 |
| Assets per employee ($millions) | 5.7119% | 2,612 |
| Cash dividends to net income (ytd only)* | 41.7027% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,942 |
| Loan loss allowance to noncurrent loans | 405.6594% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 1,306 |
| Noncurrent loans to loans | 0.3469% | 2,958 |
| Net loans and leases to total assets | 67.1717% | 1,932 |
| Net loans and leases to deposits | 81.0867% | 1,753 |
| Net loans and leases to core deposits | 96.7389% | 1,080 |
| Total domestic deposits to total assets | 82.8394% | 3,454 |
| Equity capital to assets | 8.8143% | 4,211 |
| Core capital (leverage) ratio | 9.8305% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5267% | 1,673 |
| Memoranda: | ||
| Average total assets | $1,576,453,600 | 592 |
| Average earning assets | $1,426,384,600 | 594 |
| Average equity | $144,446,000 | 697 |
| Average total loans | $1,133,597,400 | 568 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 2,472 |
| Cost of funding earning assets | 0.6238% | 2,467 |
| Net interest margin | 3.5437% | 2,444 |
| Noninterest income to average assets | 1.1116% | 842 |
| Noninterest expense to average assets | 2.8495% | 1,824 |
| Loan and lease loss provision to assets | 0.4310% | 771 |
| Net operating income to assets | 0.8024% | 3,081 |
| Return on assets (ROA) | 0.8490% | 3,037 |
| Pretax return on assets | 1.0905% | 2,779 |
| Return on Equity (ROE) | 9.1686% | 2,330 |
| Retained earnings to average equity (ytd only) | 3.3110% | 3,389 |
| Net charge-offs to loans | 0.1576% | 936 |
| Credit loss provision to net charge-offs | 374.7931% | 1,537 |
| Earnings coverage of net charge-offs (x) | 12.7171% | 2,236 |
| Efficiency ratio | 66.0820% | 2,460 |
| Assets per employee ($millions) | 5.6989% | 2,540 |
| Cash dividends to net income (ytd only)* | 63.8875% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,949 |
| Loan loss allowance to noncurrent loans | 145.1017% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 1,286 |
| Noncurrent loans to loans | 0.9316% | 1,606 |
| Net loans and leases to total assets | 70.7504% | 1,850 |
| Net loans and leases to deposits | 85.6816% | 1,743 |
| Net loans and leases to core deposits | 101.2898% | 1,075 |
| Total domestic deposits to total assets | 82.5736% | 3,261 |
| Equity capital to assets | 8.8664% | 4,206 |
| Core capital (leverage) ratio | 9.6379% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3620% | 1,706 |
| Memoranda: | ||
| Average total assets | $1,540,746,250 | 588 |
| Average earning assets | $1,391,504,750 | 591 |
| Average equity | $142,672,000 | 697 |
| Average total loans | $1,124,157,250 | 567 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 1,859 |
| Cost of funding earning assets | 0.6652% | 2,587 |
| Net interest margin | 3.8546% | 1,682 |
| Noninterest income to average assets | 1.0957% | 827 |
| Noninterest expense to average assets | 3.1450% | 1,252 |
| Loan and lease loss provision to assets | 0.6438% | 459 |
| Net operating income to assets | 0.6087% | 3,711 |
| Return on assets (ROA) | 0.6200% | 3,750 |
| Pretax return on assets | 0.7971% | 3,594 |
| Return on Equity (ROE) | 6.5914% | 3,293 |
| Retained earnings to average equity (ytd only) | -0.6630% | 4,429 |
| Net charge-offs to loans | 0.0624% | 1,621 |
| Credit loss provision to net charge-offs | 1,405.5394% | 625 |
| Earnings coverage of net charge-offs (x) | 31.1458% | 1,402 |
| Efficiency ratio | 68.7951% | 2,126 |
| Assets per employee ($millions) | 5.6036% | 2,540 |
| Cash dividends to net income (ytd only)* | 110.0582% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 1,501 |
| Loan loss allowance to noncurrent loans | 149.5342% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9418% | 1,298 |
| Noncurrent loans to loans | 0.9536% | 1,621 |
| Net loans and leases to total assets | 72.3802% | 1,638 |
| Net loans and leases to deposits | 86.8153% | 1,679 |
| Net loans and leases to core deposits | 102.5064% | 1,090 |
| Total domestic deposits to total assets | 83.3726% | 2,969 |
| Equity capital to assets | 8.8006% | 4,261 |
| Core capital (leverage) ratio | 9.8599% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0988% | 1,769 |
| Memoranda: | ||
| Average total assets | $1,497,739,000 | 593 |
| Average earning assets | $1,350,608,000 | 594 |
| Average equity | $140,880,000 | 695 |
| Average total loans | $1,099,691,000 | 569 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 2,384 |
| Cost of funding earning assets | 0.7382% | 2,735 |
| Net interest margin | 3.7345% | 2,202 |
| Noninterest income to average assets | 1.1349% | 679 |
| Noninterest expense to average assets | 3.0626% | 1,740 |
| Loan and lease loss provision to assets | 0.7403% | 347 |
| Net operating income to assets | 0.5406% | 3,774 |
| Return on assets (ROA) | 0.5406% | 3,832 |
| Pretax return on assets | 0.6889% | 3,716 |
| Return on Equity (ROE) | 5.5445% | 3,465 |
| Retained earnings to average equity (ytd only) | -4.6834% | 4,499 |
| Net charge-offs to loans | 0.0680% | 1,346 |
| Credit loss provision to net charge-offs | 1,482.6816% | 452 |
| Earnings coverage of net charge-offs (x) | 28.6257% | 1,205 |
| Efficiency ratio | 68.1818% | 2,633 |
| Assets per employee ($millions) | 5.0164% | 2,628 |
| Cash dividends to net income (ytd only)* | 184.4685% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,613 |
| Loan loss allowance to noncurrent loans | 129.0356% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0849% | 1,202 |
| Noncurrent loans to loans | 1.1041% | 1,504 |
| Net loans and leases to total assets | 71.8973% | 1,935 |
| Net loans and leases to deposits | 88.3585% | 1,717 |
| Net loans and leases to core deposits | 105.0170% | 1,118 |
| Total domestic deposits to total assets | 81.3700% | 3,579 |
| Equity capital to assets | 9.5060% | 4,213 |
| Core capital (leverage) ratio | 10.7650% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2905% | 1,816 |
| Memoranda: | ||
| Average total assets | $1,434,087,000 | 592 |
| Average earning assets | $1,289,067,500 | 597 |
| Average equity | $139,813,000 | 691 |
| Average total loans | $1,052,925,000 | 569 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 2,704 |
| Cost of funding earning assets | 0.8119% | 2,625 |
| Net interest margin | 3.7601% | 2,638 |
| Noninterest income to average assets | 1.1080% | 779 |
| Noninterest expense to average assets | 3.1400% | 1,668 |
| Loan and lease loss provision to assets | 0.0944% | 2,146 |
| Net operating income to assets | 0.9756% | 2,925 |
| Return on assets (ROA) | 0.9756% | 3,009 |
| Pretax return on assets | 1.2234% | 2,755 |
| Return on Equity (ROE) | 9.7486% | 2,416 |
| Retained earnings to average equity (ytd only) | 7.5047% | 1,167 |
| Net charge-offs to loans | -0.0168% | 4,593 |
| Credit loss provision to net charge-offs | -776.4706% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4393% | 2,105 |
| Assets per employee ($millions) | 4.7448% | 2,900 |
| Cash dividends to net income (ytd only)* | 23.0177% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,478 |
| Loan loss allowance to noncurrent loans | 108.3204% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 1,105 |
| Noncurrent loans to loans | 1.1001% | 1,371 |
| Net loans and leases to total assets | 73.0327% | 1,916 |
| Net loans and leases to deposits | 90.8533% | 1,498 |
| Net loans and leases to core deposits | 107.7986% | 982 |
| Total domestic deposits to total assets | 80.3853% | 3,898 |
| Equity capital to assets | 9.9962% | 3,923 |
| Core capital (leverage) ratio | 10.9885% | 2,513 |
| Tier 1 risk-based capital ratio | 14.4405% | 3,048 |
| Total risk-based capital ratio | 15.5984% | 3,000 |
| Memoranda: | ||
| Average total assets | $1,398,771,800 | 582 |
| Average earning assets | $1,246,107,000 | 596 |
| Average equity | $139,979,400 | 668 |
| Average total loans | $1,013,070,000 | 566 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 2,837 |
| Cost of funding earning assets | 0.8156% | 2,634 |
| Net interest margin | 3.7537% | 2,738 |
| Noninterest income to average assets | 1.1176% | 726 |
| Noninterest expense to average assets | 3.1089% | 1,696 |
| Loan and lease loss provision to assets | 0.0641% | 2,608 |
| Net operating income to assets | 1.0163% | 2,919 |
| Return on assets (ROA) | 1.0165% | 2,995 |
| Pretax return on assets | 1.2760% | 2,739 |
| Return on Equity (ROE) | 10.1546% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.0341% | 1,375 |
| Net charge-offs to loans | -0.0339% | 4,731 |
| Credit loss provision to net charge-offs | -262.3529% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8819% | 2,131 |
| Assets per employee ($millions) | 4.5007% | 3,205 |
| Cash dividends to net income (ytd only)* | 20.8816% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,506 |
| Loan loss allowance to noncurrent loans | 102.0024% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.1571% | 1,114 |
| Noncurrent loans to loans | 1.1768% | 1,344 |
| Net loans and leases to total assets | 69.2799% | 2,586 |
| Net loans and leases to deposits | 86.5305% | 2,130 |
| Net loans and leases to core deposits | 102.8416% | 1,430 |
| Total domestic deposits to total assets | 80.0641% | 3,976 |
| Equity capital to assets | 10.2946% | 3,735 |
| Core capital (leverage) ratio | 10.9087% | 2,727 |
| Tier 1 risk-based capital ratio | 15.0804% | 2,812 |
| Total risk-based capital ratio | 16.2495% | 2,781 |
| Memoranda: | ||
| Average total assets | $1,392,603,250 | 589 |
| Average earning assets | $1,235,882,250 | 601 |
| Average equity | $139,401,750 | 663 |
| Average total loans | $1,003,308,000 | 574 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 2,821 |
| Cost of funding earning assets | 0.8009% | 2,637 |
| Net interest margin | 3.7547% | 2,736 |
| Noninterest income to average assets | 0.9928% | 884 |
| Noninterest expense to average assets | 3.1153% | 1,687 |
| Loan and lease loss provision to assets | 0.0986% | 1,894 |
| Net operating income to assets | 0.8635% | 3,419 |
| Return on assets (ROA) | 0.8635% | 3,484 |
| Pretax return on assets | 1.1156% | 3,190 |
| Return on Equity (ROE) | 8.7112% | 2,972 |
| Retained earnings to average equity (ytd only) | 6.6290% | 1,991 |
| Net charge-offs to loans | -0.0491% | 4,820 |
| Credit loss provision to net charge-offs | -276.1134% | 4,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9540% | 1,929 |
| Assets per employee ($millions) | 4.2916% | 3,445 |
| Cash dividends to net income (ytd only)* | 23.9028% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,565 |
| Loan loss allowance to noncurrent loans | 89.1469% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 887 |
| Noncurrent loans to loans | 1.3386% | 1,162 |
| Net loans and leases to total assets | 71.5370% | 2,278 |
| Net loans and leases to deposits | 88.0196% | 2,009 |
| Net loans and leases to core deposits | 103.6585% | 1,416 |
| Total domestic deposits to total assets | 81.2740% | 3,727 |
| Equity capital to assets | 10.2332% | 3,764 |
| Core capital (leverage) ratio | 10.8670% | 2,724 |
| Tier 1 risk-based capital ratio | 14.6245% | 3,010 |
| Total risk-based capital ratio | 15.7873% | 2,974 |
| Memoranda: | ||
| Average total assets | $1,382,730,670 | 592 |
| Average earning assets | $1,228,797,000 | 601 |
| Average equity | $137,065,000 | 670 |
| Average total loans | $1,005,316,000 | 571 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 2,894 |
| Cost of funding earning assets | 0.7749% | 2,670 |
| Net interest margin | 3.7180% | 2,823 |
| Noninterest income to average assets | 1.0546% | 721 |
| Noninterest expense to average assets | 3.0584% | 1,833 |
| Loan and lease loss provision to assets | 0.1011% | 1,738 |
| Net operating income to assets | 0.9384% | 3,097 |
| Return on assets (ROA) | 0.9370% | 3,147 |
| Pretax return on assets | 1.2067% | 2,781 |
| Return on Equity (ROE) | 9.6086% | 2,542 |
| Retained earnings to average equity (ytd only) | 7.7136% | 1,763 |
| Net charge-offs to loans | -0.0604% | 4,882 |
| Credit loss provision to net charge-offs | -229.6053% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0199% | 2,334 |
| Assets per employee ($millions) | 4.3124% | 3,471 |
| Cash dividends to net income (ytd only)* | 19.7218% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,852 |
| Loan loss allowance to noncurrent loans | 99.8012% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.2695% | 1,043 |
| Noncurrent loans to loans | 1.1518% | 1,451 |
| Net loans and leases to total assets | 71.0754% | 2,314 |
| Net loans and leases to deposits | 87.5951% | 1,924 |
| Net loans and leases to core deposits | 103.3196% | 1,364 |
| Total domestic deposits to total assets | 81.1408% | 3,942 |
| Equity capital to assets | 9.8429% | 3,977 |
| Core capital (leverage) ratio | 10.7844% | 2,776 |
| Tier 1 risk-based capital ratio | 14.5859% | 3,067 |
| Total risk-based capital ratio | 15.7185% | 3,039 |
| Memoranda: | ||
| Average total assets | $1,381,000,500 | 593 |
| Average earning assets | $1,230,653,500 | 602 |
| Average equity | $134,671,500 | 678 |
| Average total loans | $1,006,166,000 | 572 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 2,864 |
| Cost of funding earning assets | 0.5771% | 2,874 |
| Net interest margin | 3.7925% | 2,688 |
| Noninterest income to average assets | 1.0867% | 788 |
| Noninterest expense to average assets | 3.2132% | 1,518 |
| Loan and lease loss provision to assets | 0.1595% | 1,290 |
| Net operating income to assets | 0.9325% | 3,315 |
| Return on assets (ROA) | 0.9398% | 3,278 |
| Pretax return on assets | 1.0932% | 3,294 |
| Return on Equity (ROE) | 9.8265% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.2550% | 1,133 |
| Net charge-offs to loans | 0.1091% | 1,654 |
| Credit loss provision to net charge-offs | 203.9614% | 1,410 |
| Earnings coverage of net charge-offs (x) | 15.9101% | 2,291 |
| Efficiency ratio | 72.0860% | 1,883 |
| Assets per employee ($millions) | 4.1240% | 3,713 |
| Cash dividends to net income (ytd only)* | 15.9926% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,123 |
| Loan loss allowance to noncurrent loans | 206.3516% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.9014% | 1,542 |
| Noncurrent loans to loans | 0.5312% | 2,680 |
| Net loans and leases to total assets | 73.0132% | 2,094 |
| Net loans and leases to deposits | 93.1654% | 1,379 |
| Net loans and leases to core deposits | 110.0296% | 999 |
| Total domestic deposits to total assets | 78.3695% | 4,430 |
| Equity capital to assets | 9.6754% | 3,977 |
| Core capital (leverage) ratio | 10.7234% | 2,816 |
| Tier 1 risk-based capital ratio | 14.3657% | 3,131 |
| Total risk-based capital ratio | 15.4528% | 3,130 |
| Memoranda: | ||
| Average total assets | $1,323,427,600 | 596 |
| Average earning assets | $1,176,281,400 | 608 |
| Average equity | $126,566,000 | 681 |
| Average total loans | $948,597,000 | 587 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 2,929 |
| Cost of funding earning assets | 0.5322% | 2,976 |
| Net interest margin | 3.7773% | 2,724 |
| Noninterest income to average assets | 1.1126% | 759 |
| Noninterest expense to average assets | 3.2371% | 1,444 |
| Loan and lease loss provision to assets | 0.1205% | 1,679 |
| Net operating income to assets | 0.8740% | 3,642 |
| Return on assets (ROA) | 0.8833% | 3,610 |
| Pretax return on assets | 1.1215% | 3,312 |
| Return on Equity (ROE) | 9.2647% | 2,971 |
| Retained earnings to average equity (ytd only) | 7.8269% | 1,735 |
| Net charge-offs to loans | 0.1192% | 1,316 |
| Credit loss provision to net charge-offs | 142.1557% | 1,780 |
| Earnings coverage of net charge-offs (x) | 14.5089% | 2,283 |
| Efficiency ratio | 72.4622% | 1,813 |
| Assets per employee ($millions) | 4.0985% | 3,732 |
| Cash dividends to net income (ytd only)* | 15.5191% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 3,352 |
| Loan loss allowance to noncurrent loans | 191.7704% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 1,502 |
| Noncurrent loans to loans | 0.5584% | 2,708 |
| Net loans and leases to total assets | 71.8228% | 2,356 |
| Net loans and leases to deposits | 92.9182% | 1,511 |
| Net loans and leases to core deposits | 106.4252% | 1,280 |
| Total domestic deposits to total assets | 77.2968% | 4,596 |
| Equity capital to assets | 9.6374% | 3,963 |
| Core capital (leverage) ratio | 10.8619% | 2,712 |
| Tier 1 risk-based capital ratio | 14.6874% | 3,024 |
| Total risk-based capital ratio | 15.7476% | 3,044 |
| Memoranda: | ||
| Average total assets | $1,313,021,750 | 598 |
| Average earning assets | $1,166,120,750 | 614 |
| Average equity | $125,189,000 | 685 |
| Average total loans | $933,817,750 | 591 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 2,979 |
| Cost of funding earning assets | 0.5127% | 2,909 |
| Net interest margin | 3.7278% | 2,834 |
| Noninterest income to average assets | 1.1038% | 790 |
| Noninterest expense to average assets | 3.2023% | 1,532 |
| Loan and lease loss provision to assets | 0.1095% | 1,795 |
| Net operating income to assets | 0.8650% | 3,605 |
| Return on assets (ROA) | 0.8804% | 3,547 |
| Pretax return on assets | 1.1266% | 3,204 |
| Return on Equity (ROE) | 9.2676% | 2,910 |
| Retained earnings to average equity (ytd only) | 7.6581% | 1,772 |
| Net charge-offs to loans | 0.1990% | 790 |
| Credit loss provision to net charge-offs | 77.9108% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.6583% | 2,451 |
| Efficiency ratio | 72.4681% | 1,924 |
| Assets per employee ($millions) | 3.9389% | 4,006 |
| Cash dividends to net income (ytd only)* | 17.3671% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 3,608 |
| Loan loss allowance to noncurrent loans | 179.3464% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 1.0700% | 1,388 |
| Noncurrent loans to loans | 0.5787% | 2,686 |
| Net loans and leases to total assets | 71.4415% | 2,376 |
| Net loans and leases to deposits | 89.1499% | 1,955 |
| Net loans and leases to core deposits | 101.2761% | 1,628 |
| Total domestic deposits to total assets | 80.1364% | 4,206 |
| Equity capital to assets | 9.6191% | 3,992 |
| Core capital (leverage) ratio | 10.7484% | 2,757 |
| Tier 1 risk-based capital ratio | 14.6353% | 3,050 |
| Total risk-based capital ratio | 15.6537% | 3,076 |
| Memoranda: | ||
| Average total assets | $1,308,061,330 | 600 |
| Average earning assets | $1,163,246,670 | 618 |
| Average equity | $124,260,330 | 691 |
| Average total loans | $923,737,000 | 595 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 3,011 |
| Cost of funding earning assets | 0.4992% | 2,801 |
| Net interest margin | 3.6656% | 2,936 |
| Noninterest income to average assets | 1.0588% | 818 |
| Noninterest expense to average assets | 3.1696% | 1,641 |
| Loan and lease loss provision to assets | 0.1365% | 1,383 |
| Net operating income to assets | 0.8091% | 3,670 |
| Return on assets (ROA) | 0.8069% | 3,688 |
| Pretax return on assets | 1.0185% | 3,471 |
| Return on Equity (ROE) | 8.5475% | 3,129 |
| Retained earnings to average equity (ytd only) | 8.5475% | 1,641 |
| Net charge-offs to loans | -0.0223% | 4,612 |
| Credit loss provision to net charge-offs | -876.4706% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2468% | 2,008 |
| Assets per employee ($millions) | 4.0783% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 3,280 |
| Loan loss allowance to noncurrent loans | 237.4688% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 1.0702% | 1,456 |
| Noncurrent loans to loans | 0.4703% | 3,117 |
| Net loans and leases to total assets | 71.2556% | 2,288 |
| Net loans and leases to deposits | 90.8159% | 1,580 |
| Net loans and leases to core deposits | 102.1453% | 1,515 |
| Total domestic deposits to total assets | 78.4616% | 4,656 |
| Equity capital to assets | 9.5977% | 4,002 |
| Core capital (leverage) ratio | 10.6663% | 2,773 |
| Tier 1 risk-based capital ratio | 14.4412% | 3,153 |
| Total risk-based capital ratio | 15.5341% | 3,154 |
| Memoranda: | ||
| Average total assets | $1,310,207,500 | 603 |
| Average earning assets | $1,168,262,500 | 621 |
| Average equity | $123,685,000 | 695 |
| Average total loans | $915,005,000 | 603 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 3,398 |
| Cost of funding earning assets | 0.5012% | 2,327 |
| Net interest margin | 3.5016% | 3,522 |
| Noninterest income to average assets | 1.1217% | 809 |
| Noninterest expense to average assets | 2.9979% | 2,172 |
| Loan and lease loss provision to assets | 0.1934% | 1,087 |
| Net operating income to assets | 0.4546% | 4,514 |
| Return on assets (ROA) | 0.4522% | 4,558 |
| Pretax return on assets | 1.0192% | 3,497 |
| Return on Equity (ROE) | 4.5057% | 4,345 |
| Retained earnings to average equity (ytd only) | -12.3004% | 5,566 |
| Net charge-offs to loans | 0.2778% | 940 |
| Credit loss provision to net charge-offs | 102.1362% | 2,510 |
| Earnings coverage of net charge-offs (x) | 6.4244% | 3,179 |
| Efficiency ratio | 71.1370% | 2,375 |
| Assets per employee ($millions) | 3.9983% | 3,959 |
| Cash dividends to net income (ytd only)* | 372.9958% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 3,256 |
| Loan loss allowance to noncurrent loans | 129.2752% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.3532% | 1,055 |
| Noncurrent loans to loans | 0.8642% | 2,068 |
| Net loans and leases to total assets | 66.8883% | 2,981 |
| Net loans and leases to deposits | 84.7543% | 2,406 |
| Net loans and leases to core deposits | 97.5200% | 1,899 |
| Total domestic deposits to total assets | 78.9202% | 4,561 |
| Equity capital to assets | 9.2847% | 4,444 |
| Core capital (leverage) ratio | 10.2243% | 3,157 |
| Tier 1 risk-based capital ratio | 14.5450% | 3,068 |
| Total risk-based capital ratio | 15.6192% | 3,068 |
| Memoranda: | ||
| Average total assets | $1,310,379,800 | 587 |
| Average earning assets | $1,157,314,800 | 606 |
| Average equity | $131,499,400 | 625 |
| Average total loans | $892,967,000 | 593 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,410 |
| Cost of funding earning assets | 0.4954% | 2,304 |
| Net interest margin | 3.4877% | 3,545 |
| Noninterest income to average assets | 1.0984% | 846 |
| Noninterest expense to average assets | 2.9882% | 2,137 |
| Loan and lease loss provision to assets | 0.1844% | 1,069 |
| Net operating income to assets | 0.7081% | 3,940 |
| Return on assets (ROA) | 0.7049% | 4,020 |
| Pretax return on assets | 0.9992% | 3,698 |
| Return on Equity (ROE) | 6.8944% | 3,725 |
| Retained earnings to average equity (ytd only) | -5.0681% | 5,545 |
| Net charge-offs to loans | 0.1451% | 1,377 |
| Credit loss provision to net charge-offs | 186.1111% | 1,428 |
| Earnings coverage of net charge-offs (x) | 11.9917% | 2,461 |
| Efficiency ratio | 71.5527% | 2,271 |
| Assets per employee ($millions) | 4.0348% | 3,930 |
| Cash dividends to net income (ytd only)* | 173.5108% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,885 |
| Loan loss allowance to noncurrent loans | 85.0870% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.6839% | 857 |
| Noncurrent loans to loans | 1.4204% | 1,314 |
| Net loans and leases to total assets | 66.0276% | 3,101 |
| Net loans and leases to deposits | 84.2733% | 2,532 |
| Net loans and leases to core deposits | 96.1775% | 2,052 |
| Total domestic deposits to total assets | 78.3494% | 4,657 |
| Equity capital to assets | 10.1457% | 3,753 |
| Core capital (leverage) ratio | 10.7127% | 2,748 |
| Tier 1 risk-based capital ratio | 15.4004% | 2,748 |
| Total risk-based capital ratio | 16.5699% | 2,725 |
| Memoranda: | ||
| Average total assets | $1,308,116,750 | 589 |
| Average earning assets | $1,154,385,250 | 608 |
| Average equity | $133,748,000 | 620 |
| Average total loans | $893,079,500 | 596 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 3,322 |
| Cost of funding earning assets | 0.4914% | 2,246 |
| Net interest margin | 3.4774% | 3,480 |
| Noninterest income to average assets | 1.0773% | 866 |
| Noninterest expense to average assets | 2.9606% | 2,233 |
| Loan and lease loss provision to assets | 0.1397% | 1,475 |
| Net operating income to assets | 0.7096% | 3,799 |
| Return on assets (ROA) | 0.7078% | 3,876 |
| Pretax return on assets | 1.0416% | 3,398 |
| Return on Equity (ROE) | 6.9047% | 3,604 |
| Retained earnings to average equity (ytd only) | -11.0997% | 5,669 |
| Net charge-offs to loans | 0.2022% | 998 |
| Credit loss provision to net charge-offs | 100.4425% | 1,998 |
| Earnings coverage of net charge-offs (x) | 8.5144% | 2,502 |
| Efficiency ratio | 71.4355% | 2,448 |
| Assets per employee ($millions) | 4.0405% | 3,889 |
| Cash dividends to net income (ytd only)* | 260.7562% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,545 |
| Loan loss allowance to noncurrent loans | 92.8418% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.7044% | 839 |
| Noncurrent loans to loans | 1.1928% | 1,635 |
| Net loans and leases to total assets | 67.8915% | 2,831 |
| Net loans and leases to deposits | 85.0984% | 2,342 |
| Net loans and leases to core deposits | 96.3880% | 1,946 |
| Total domestic deposits to total assets | 79.7800% | 4,462 |
| Equity capital to assets | 10.1571% | 3,726 |
| Core capital (leverage) ratio | 10.7548% | 2,647 |
| Tier 1 risk-based capital ratio | 15.1307% | 2,871 |
| Total risk-based capital ratio | 16.2091% | 2,880 |
| Memoranda: | ||
| Average total assets | $1,300,326,000 | 593 |
| Average earning assets | $1,146,948,330 | 611 |
| Average equity | $133,301,000 | 617 |
| Average total loans | $894,137,670 | 599 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 3,283 |
| Cost of funding earning assets | 0.4845% | 2,213 |
| Net interest margin | 3.4455% | 3,467 |
| Noninterest income to average assets | 1.0586% | 899 |
| Noninterest expense to average assets | 2.8926% | 2,473 |
| Loan and lease loss provision to assets | 0.1877% | 899 |
| Net operating income to assets | 0.7206% | 3,613 |
| Return on assets (ROA) | 0.7187% | 3,664 |
| Pretax return on assets | 1.0151% | 3,305 |
| Return on Equity (ROE) | 6.9782% | 3,408 |
| Retained earnings to average equity (ytd only) | -25.9380% | 5,776 |
| Net charge-offs to loans | -0.4733% | 5,739 |
| Credit loss provision to net charge-offs | -57.6159% | 3,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5820% | 2,805 |
| Assets per employee ($millions) | 4.0467% | 3,929 |
| Cash dividends to net income (ytd only)* | 471.6981% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,561 |
| Loan loss allowance to noncurrent loans | 104.4549% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.7006% | 874 |
| Noncurrent loans to loans | 1.2396% | 1,631 |
| Net loans and leases to total assets | 67.9720% | 2,689 |
| Net loans and leases to deposits | 85.7769% | 2,055 |
| Net loans and leases to core deposits | 97.6669% | 1,686 |
| Total domestic deposits to total assets | 79.2427% | 4,780 |
| Equity capital to assets | 9.9704% | 3,788 |
| Core capital (leverage) ratio | 10.7121% | 2,681 |
| Tier 1 risk-based capital ratio | 14.8529% | 3,045 |
| Total risk-based capital ratio | 16.0967% | 2,972 |
| Memoranda: | ||
| Average total assets | $1,297,953,000 | 595 |
| Average earning assets | $1,145,033,000 | 616 |
| Average equity | $133,672,500 | 610 |
| Average total loans | $893,229,000 | 602 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9159% | 3,519 |
| Cost of funding earning assets | 0.5081% | 2,027 |
| Net interest margin | 3.4079% | 3,799 |
| Noninterest income to average assets | 1.0701% | 986 |
| Noninterest expense to average assets | 2.9695% | 2,440 |
| Loan and lease loss provision to assets | 0.2397% | 889 |
| Net operating income to assets | 0.6305% | 4,091 |
| Return on assets (ROA) | 0.6545% | 4,098 |
| Pretax return on assets | 0.9214% | 3,765 |
| Return on Equity (ROE) | 6.2405% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.5083% | 2,008 |
| Net charge-offs to loans | 0.5703% | 408 |
| Credit loss provision to net charge-offs | 60.8976% | 3,230 |
| Earnings coverage of net charge-offs (x) | 2.8644% | 3,759 |
| Efficiency ratio | 72.4831% | 2,512 |
| Assets per employee ($millions) | 4.0402% | 3,894 |
| Cash dividends to net income (ytd only)* | 11.7330% | 3,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 3,644 |
| Loan loss allowance to noncurrent loans | 69.0380% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.9489% | 717 |
| Noncurrent loans to loans | 1.6107% | 1,219 |
| Net loans and leases to total assets | 68.0081% | 2,766 |
| Net loans and leases to deposits | 86.7656% | 2,081 |
| Net loans and leases to core deposits | 100.1241% | 1,613 |
| Total domestic deposits to total assets | 78.3814% | 4,919 |
| Equity capital to assets | 10.6276% | 3,005 |
| Core capital (leverage) ratio | 11.1069% | 2,252 |
| Tier 1 risk-based capital ratio | 15.6287% | 2,694 |
| Total risk-based capital ratio | 16.6969% | 2,701 |
| Memoranda: | ||
| Average total assets | $1,302,222,200 | 569 |
| Average earning assets | $1,156,558,200 | 580 |
| Average equity | $136,575,800 | 581 |
| Average total loans | $898,657,200 | 563 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 3,559 |
| Cost of funding earning assets | 0.5088% | 2,028 |
| Net interest margin | 3.3991% | 3,840 |
| Noninterest income to average assets | 1.0802% | 970 |
| Noninterest expense to average assets | 2.9544% | 2,446 |
| Loan and lease loss provision to assets | 0.2258% | 898 |
| Net operating income to assets | 0.6636% | 4,025 |
| Return on assets (ROA) | 0.6974% | 3,994 |
| Pretax return on assets | 0.9720% | 3,730 |
| Return on Equity (ROE) | 6.6713% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.0108% | 2,180 |
| Net charge-offs to loans | 0.3089% | 747 |
| Credit loss provision to net charge-offs | 105.8485% | 2,268 |
| Earnings coverage of net charge-offs (x) | 5.3945% | 3,139 |
| Efficiency ratio | 71.9642% | 2,587 |
| Assets per employee ($millions) | 4.1337% | 3,729 |
| Cash dividends to net income (ytd only)* | 9.9003% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 2,510 |
| Loan loss allowance to noncurrent loans | 64.8154% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 677 |
| Noncurrent loans to loans | 2.0590% | 943 |
| Net loans and leases to total assets | 67.5270% | 2,867 |
| Net loans and leases to deposits | 87.1837% | 2,122 |
| Net loans and leases to core deposits | 100.5155% | 1,584 |
| Total domestic deposits to total assets | 77.4538% | 5,006 |
| Equity capital to assets | 10.5930% | 3,464 |
| Core capital (leverage) ratio | 10.9877% | 2,458 |
| Tier 1 risk-based capital ratio | 15.4800% | 2,841 |
| Total risk-based capital ratio | 16.7319% | 2,773 |
| Memoranda: | ||
| Average total assets | $1,303,548,750 | 564 |
| Average earning assets | $1,160,144,000 | 579 |
| Average equity | $136,262,000 | 582 |
| Average total loans | $900,340,000 | 560 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 3,571 |
| Cost of funding earning assets | 0.5121% | 2,008 |
| Net interest margin | 3.3988% | 3,896 |
| Noninterest income to average assets | 1.1174% | 899 |
| Noninterest expense to average assets | 2.9894% | 2,383 |
| Loan and lease loss provision to assets | 0.2948% | 618 |
| Net operating income to assets | 0.6269% | 4,158 |
| Return on assets (ROA) | 0.6524% | 4,182 |
| Pretax return on assets | 0.8949% | 3,968 |
| Return on Equity (ROE) | 6.2699% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.2708% | 2,570 |
| Net charge-offs to loans | 0.2574% | 928 |
| Credit loss provision to net charge-offs | 165.2850% | 1,494 |
| Earnings coverage of net charge-offs (x) | 6.4741% | 2,733 |
| Efficiency ratio | 72.1363% | 2,627 |
| Assets per employee ($millions) | 3.9496% | 3,998 |
| Cash dividends to net income (ytd only)* | 15.9348% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 2,382 |
| Loan loss allowance to noncurrent loans | 104.1999% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.6768% | 1,079 |
| Noncurrent loans to loans | 1.3236% | 1,704 |
| Net loans and leases to total assets | 70.4105% | 2,417 |
| Net loans and leases to deposits | 89.8715% | 1,770 |
| Net loans and leases to core deposits | 103.6138% | 1,350 |
| Total domestic deposits to total assets | 78.3457% | 4,927 |
| Equity capital to assets | 10.6941% | 3,406 |
| Core capital (leverage) ratio | 10.9300% | 2,508 |
| Tier 1 risk-based capital ratio | 15.1094% | 3,030 |
| Total risk-based capital ratio | 16.3621% | 2,958 |
| Memoranda: | ||
| Average total assets | $1,298,515,000 | 566 |
| Average earning assets | $1,156,334,670 | 580 |
| Average equity | $135,121,330 | 585 |
| Average total loans | $899,623,670 | 559 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8637% | 3,717 |
| Cost of funding earning assets | 0.5150% | 1,984 |
| Net interest margin | 3.3487% | 4,046 |
| Noninterest income to average assets | 1.0617% | 963 |
| Noninterest expense to average assets | 3.0442% | 2,259 |
| Loan and lease loss provision to assets | 0.1742% | 1,172 |
| Net operating income to assets | 0.5962% | 4,191 |
| Return on assets (ROA) | 0.6417% | 4,134 |
| Pretax return on assets | 0.8942% | 3,866 |
| Return on Equity (ROE) | 6.2525% | 3,859 |
| Retained earnings to average equity (ytd only) | 4.2350% | 3,361 |
| Net charge-offs to loans | 0.1052% | 1,497 |
| Credit loss provision to net charge-offs | 242.7350% | 962 |
| Earnings coverage of net charge-offs (x) | 14.0043% | 1,719 |
| Efficiency ratio | 75.1761% | 2,302 |
| Assets per employee ($millions) | 4.0810% | 3,810 |
| Cash dividends to net income (ytd only)* | 32.2658% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,601 |
| Loan loss allowance to noncurrent loans | 73.7159% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 1,088 |
| Noncurrent loans to loans | 1.8461% | 1,200 |
| Net loans and leases to total assets | 68.0245% | 2,646 |
| Net loans and leases to deposits | 87.1035% | 1,928 |
| Net loans and leases to core deposits | 99.7832% | 1,497 |
| Total domestic deposits to total assets | 78.0962% | 5,132 |
| Equity capital to assets | 10.3270% | 3,714 |
| Core capital (leverage) ratio | 10.8423% | 2,580 |
| Tier 1 risk-based capital ratio | 15.1185% | 3,100 |
| Total risk-based capital ratio | 16.3709% | 3,037 |
| Memoranda: | ||
| Average total assets | $1,303,994,500 | 565 |
| Average earning assets | $1,163,429,500 | 573 |
| Average equity | $133,835,500 | 589 |
| Average total loans | $889,809,500 | 560 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 3,862 |
| Cost of funding earning assets | 0.6218% | 1,222 |
| Net interest margin | 3.2333% | 4,519 |
| Noninterest income to average assets | 1.8186% | 407 |
| Noninterest expense to average assets | 3.0082% | 2,513 |
| Loan and lease loss provision to assets | 0.0797% | 2,686 |
| Net operating income to assets | 1.1139% | 1,858 |
| Return on assets (ROA) | 0.9784% | 2,550 |
| Pretax return on assets | 1.3944% | 1,927 |
| Return on Equity (ROE) | 8.8235% | 2,542 |
| Retained earnings to average equity (ytd only) | -14.1396% | 6,080 |
| Net charge-offs to loans | 0.1410% | 1,935 |
| Credit loss provision to net charge-offs | 88.0535% | 2,796 |
| Earnings coverage of net charge-offs (x) | 18.4169% | 2,013 |
| Efficiency ratio | 64.3331% | 4,193 |
| Assets per employee ($millions) | 4.0064% | 3,931 |
| Cash dividends to net income (ytd only)* | 260.2490% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,638 |
| Loan loss allowance to noncurrent loans | 72.1540% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.7977% | 1,058 |
| Noncurrent loans to loans | 1.8797% | 1,141 |
| Net loans and leases to total assets | 66.5937% | 2,897 |
| Net loans and leases to deposits | 85.7345% | 2,162 |
| Net loans and leases to core deposits | 97.2581% | 1,738 |
| Total domestic deposits to total assets | 77.6743% | 5,220 |
| Equity capital to assets | 10.1998% | 3,750 |
| Core capital (leverage) ratio | 10.5194% | 2,907 |
| Tier 1 risk-based capital ratio | 14.9851% | 3,188 |
| Total risk-based capital ratio | 16.2387% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,321,814,600 | 543 |
| Average earning assets | $1,168,147,600 | 552 |
| Average equity | $146,573,800 | 516 |
| Average total loans | $848,729,000 | 556 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 3,771 |
| Cost of funding earning assets | 0.6454% | 1,123 |
| Net interest margin | 3.2439% | 4,545 |
| Noninterest income to average assets | 0.9674% | 1,269 |
| Noninterest expense to average assets | 2.9949% | 2,542 |
| Loan and lease loss provision to assets | 0.0629% | 2,925 |
| Net operating income to assets | 0.5704% | 4,524 |
| Return on assets (ROA) | 0.5750% | 4,594 |
| Pretax return on assets | 0.7783% | 4,402 |
| Return on Equity (ROE) | 5.0856% | 4,588 |
| Retained earnings to average equity (ytd only) | -1.8167% | 5,839 |
| Net charge-offs to loans | 0.0761% | 2,475 |
| Credit loss provision to net charge-offs | 130.4167% | 1,876 |
| Earnings coverage of net charge-offs (x) | 17.3105% | 2,062 |
| Efficiency ratio | 78.1979% | 1,921 |
| Assets per employee ($millions) | 4.0392% | 3,820 |
| Cash dividends to net income (ytd only)* | 135.7219% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 2,375 |
| Loan loss allowance to noncurrent loans | 98.2144% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 2.9057% | 540 |
| Noncurrent loans to loans | 1.4747% | 1,698 |
| Net loans and leases to total assets | 63.2937% | 3,409 |
| Net loans and leases to deposits | 83.2835% | 2,492 |
| Net loans and leases to core deposits | 88.9607% | 2,566 |
| Total domestic deposits to total assets | 75.9979% | 5,482 |
| Equity capital to assets | 11.5097% | 2,504 |
| Core capital (leverage) ratio | 11.2932% | 2,204 |
| Tier 1 risk-based capital ratio | 14.6718% | 3,457 |
| Total risk-based capital ratio | 15.8831% | 3,414 |
| Memoranda: | ||
| Average total assets | $1,326,749,250 | 539 |
| Average earning assets | $1,170,797,000 | 554 |
| Average equity | $150,015,000 | 509 |
| Average total loans | $841,155,750 | 559 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 3,891 |
| Cost of funding earning assets | 0.6696% | 1,000 |
| Net interest margin | 3.1768% | 4,726 |
| Noninterest income to average assets | 0.8801% | 1,509 |
| Noninterest expense to average assets | 2.9785% | 2,623 |
| Loan and lease loss provision to assets | 0.0189% | 3,753 |
| Net operating income to assets | 0.5191% | 4,690 |
| Return on assets (ROA) | 0.5173% | 4,799 |
| Pretax return on assets | 0.6953% | 4,668 |
| Return on Equity (ROE) | 4.6026% | 4,790 |
| Retained earnings to average equity (ytd only) | -4.1656% | 5,985 |
| Net charge-offs to loans | 0.0909% | 2,120 |
| Credit loss provision to net charge-offs | 32.9843% | 2,895 |
| Earnings coverage of net charge-offs (x) | 12.4895% | 2,197 |
| Efficiency ratio | 80.6049% | 1,678 |
| Assets per employee ($millions) | 4.0597% | 3,766 |
| Cash dividends to net income (ytd only)* | 190.5052% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 2,772 |
| Loan loss allowance to noncurrent loans | 96.0316% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 3.3643% | 441 |
| Noncurrent loans to loans | 1.4551% | 1,825 |
| Net loans and leases to total assets | 62.3885% | 3,494 |
| Net loans and leases to deposits | 82.8573% | 2,453 |
| Net loans and leases to core deposits | 88.4491% | 2,512 |
| Total domestic deposits to total assets | 75.2963% | 5,673 |
| Equity capital to assets | 11.2247% | 2,647 |
| Core capital (leverage) ratio | 11.0697% | 2,358 |
| Tier 1 risk-based capital ratio | 14.3778% | 3,707 |
| Total risk-based capital ratio | 15.5303% | 3,696 |
| Memoranda: | ||
| Average total assets | $1,331,419,330 | 532 |
| Average earning assets | $1,179,801,670 | 549 |
| Average equity | $149,656,000 | 513 |
| Average total loans | $840,510,330 | 560 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 3,744 |
| Cost of funding earning assets | 0.6719% | 991 |
| Net interest margin | 3.1987% | 4,619 |
| Noninterest income to average assets | 0.8158% | 1,656 |
| Noninterest expense to average assets | 2.8767% | 2,983 |
| Loan and lease loss provision to assets | 0.0226% | 3,418 |
| Net operating income to assets | 0.5651% | 4,426 |
| Return on assets (ROA) | 0.5434% | 4,613 |
| Pretax return on assets | 0.7282% | 4,510 |
| Return on Equity (ROE) | 4.8313% | 4,617 |
| Retained earnings to average equity (ytd only) | -9.6573% | 6,126 |
| Net charge-offs to loans | 0.1852% | 1,187 |
| Credit loss provision to net charge-offs | 19.3299% | 2,366 |
| Earnings coverage of net charge-offs (x) | 6.6778% | 2,257 |
| Efficiency ratio | 78.6767% | 2,088 |
| Assets per employee ($millions) | 4.0190% | 3,919 |
| Cash dividends to net income (ytd only)* | 299.8893% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 2,891 |
| Loan loss allowance to noncurrent loans | 114.9804% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 3.1188% | 587 |
| Noncurrent loans to loans | 1.2218% | 2,330 |
| Net loans and leases to total assets | 61.8073% | 3,403 |
| Net loans and leases to deposits | 82.3544% | 2,294 |
| Net loans and leases to core deposits | 87.8536% | 2,347 |
| Total domestic deposits to total assets | 75.0503% | 5,825 |
| Equity capital to assets | 11.1547% | 2,802 |
| Core capital (leverage) ratio | 11.1269% | 2,288 |
| Tier 1 risk-based capital ratio | 14.0410% | 3,974 |
| Total risk-based capital ratio | 15.1734% | 3,994 |
| Memoranda: | ||
| Average total assets | $1,329,313,000 | 533 |
| Average earning assets | $1,180,463,500 | 548 |
| Average equity | $149,523,500 | 512 |
| Average total loans | $838,220,500 | 554 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 3,935 |
| Cost of funding earning assets | 0.7178% | 1,019 |
| Net interest margin | 3.2299% | 4,829 |
| Noninterest income to average assets | 0.9727% | 1,277 |
| Noninterest expense to average assets | 2.8786% | 3,211 |
| Loan and lease loss provision to assets | 0.1889% | 1,357 |
| Net operating income to assets | 0.4262% | 5,130 |
| Return on assets (ROA) | 0.4242% | 5,210 |
| Pretax return on assets | 0.7542% | 4,425 |
| Return on Equity (ROE) | 3.6413% | 5,253 |
| Retained earnings to average equity (ytd only) | -3.4362% | 6,114 |
| Net charge-offs to loans | 0.4912% | 843 |
| Credit loss provision to net charge-offs | 62.1722% | 3,247 |
| Earnings coverage of net charge-offs (x) | 3.1148% | 3,973 |
| Efficiency ratio | 75.2623% | 2,628 |
| Assets per employee ($millions) | 3.9036% | 4,155 |
| Cash dividends to net income (ytd only)* | 194.3667% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 2,763 |
| Loan loss allowance to noncurrent loans | 99.8758% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 3.0976% | 637 |
| Noncurrent loans to loans | 1.4381% | 2,046 |
| Net loans and leases to total assets | 62.3801% | 3,455 |
| Net loans and leases to deposits | 84.2194% | 2,183 |
| Net loans and leases to core deposits | 90.0574% | 2,273 |
| Total domestic deposits to total assets | 74.0686% | 5,944 |
| Equity capital to assets | 11.6083% | 2,335 |
| Core capital (leverage) ratio | 11.4284% | 2,038 |
| Tier 1 risk-based capital ratio | 14.3922% | 3,839 |
| Total risk-based capital ratio | 15.5514% | 3,826 |
| Memoranda: | ||
| Average total assets | $1,330,639,000 | 513 |
| Average earning assets | $1,174,987,000 | 527 |
| Average equity | $155,026,000 | 495 |
| Average total loans | $822,866,200 | 538 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 3,908 |
| Cost of funding earning assets | 0.7216% | 1,039 |
| Net interest margin | 3.2431% | 4,815 |
| Noninterest income to average assets | 0.8863% | 1,565 |
| Noninterest expense to average assets | 2.8886% | 3,166 |
| Loan and lease loss provision to assets | 0.1631% | 1,524 |
| Net operating income to assets | 0.5279% | 4,764 |
| Return on assets (ROA) | 0.5274% | 4,839 |
| Pretax return on assets | 0.6939% | 4,721 |
| Return on Equity (ROE) | 4.5229% | 4,955 |
| Retained earnings to average equity (ytd only) | -3.8823% | 6,199 |
| Net charge-offs to loans | 0.5139% | 747 |
| Credit loss provision to net charge-offs | 51.6323% | 3,078 |
| Earnings coverage of net charge-offs (x) | 2.7151% | 3,837 |
| Efficiency ratio | 77.1042% | 2,338 |
| Assets per employee ($millions) | 3.9475% | 3,991 |
| Cash dividends to net income (ytd only)* | 185.8364% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 2,891 |
| Loan loss allowance to noncurrent loans | 79.0411% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 3.1652% | 718 |
| Noncurrent loans to loans | 1.8508% | 1,725 |
| Net loans and leases to total assets | 61.2842% | 3,585 |
| Net loans and leases to deposits | 83.3934% | 2,243 |
| Net loans and leases to core deposits | 89.4213% | 2,279 |
| Total domestic deposits to total assets | 73.4881% | 6,055 |
| Equity capital to assets | 11.7514% | 2,260 |
| Core capital (leverage) ratio | 11.4209% | 2,125 |
| Tier 1 risk-based capital ratio | 14.5572% | 3,852 |
| Total risk-based capital ratio | 15.7308% | 3,837 |
| Memoranda: | ||
| Average total assets | $1,331,492,000 | 515 |
| Average earning assets | $1,174,240,250 | 524 |
| Average equity | $155,265,250 | 486 |
| Average total loans | $818,585,000 | 538 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,767 |
| Cost of funding earning assets | 0.7222% | 1,070 |
| Net interest margin | 3.2671% | 4,711 |
| Noninterest income to average assets | 0.8936% | 1,516 |
| Noninterest expense to average assets | 2.8932% | 3,188 |
| Loan and lease loss provision to assets | 0.1412% | 1,750 |
| Net operating income to assets | 0.5652% | 4,521 |
| Return on assets (ROA) | 0.5474% | 4,713 |
| Pretax return on assets | 0.7135% | 4,596 |
| Return on Equity (ROE) | 4.7064% | 4,815 |
| Retained earnings to average equity (ytd only) | -6.3535% | 6,314 |
| Net charge-offs to loans | 0.5075% | 801 |
| Credit loss provision to net charge-offs | 45.4151% | 2,859 |
| Earnings coverage of net charge-offs (x) | 2.8238% | 3,459 |
| Efficiency ratio | 76.7236% | 2,501 |
| Assets per employee ($millions) | 3.8778% | 4,110 |
| Cash dividends to net income (ytd only)* | 234.9959% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 2,850 |
| Loan loss allowance to noncurrent loans | 76.1285% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 3.2565% | 751 |
| Noncurrent loans to loans | 1.9840% | 1,698 |
| Net loans and leases to total assets | 61.4582% | 3,491 |
| Net loans and leases to deposits | 82.8070% | 2,162 |
| Net loans and leases to core deposits | 88.2883% | 2,282 |
| Total domestic deposits to total assets | 74.2186% | 6,096 |
| Equity capital to assets | 11.7850% | 2,178 |
| Core capital (leverage) ratio | 11.4093% | 2,081 |
| Tier 1 risk-based capital ratio | 14.4526% | 3,959 |
| Total risk-based capital ratio | 15.6558% | 3,927 |
| Memoranda: | ||
| Average total assets | $1,333,198,330 | 518 |
| Average earning assets | $1,174,142,670 | 522 |
| Average equity | $155,064,330 | 484 |
| Average total loans | $816,471,670 | 535 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9899% | 3,732 |
| Cost of funding earning assets | 0.7190% | 1,129 |
| Net interest margin | 3.2709% | 4,667 |
| Noninterest income to average assets | 0.8128% | 1,704 |
| Noninterest expense to average assets | 2.8094% | 3,528 |
| Loan and lease loss provision to assets | 0.1088% | 2,124 |
| Net operating income to assets | 0.5804% | 4,297 |
| Return on assets (ROA) | 0.5654% | 4,460 |
| Pretax return on assets | 0.7539% | 4,293 |
| Return on Equity (ROE) | 4.8927% | 4,600 |
| Retained earnings to average equity (ytd only) | 1.0137% | 5,194 |
| Net charge-offs to loans | 0.6826% | 536 |
| Credit loss provision to net charge-offs | 26.2626% | 2,435 |
| Earnings coverage of net charge-offs (x) | 2.1313% | 2,947 |
| Efficiency ratio | 76.0926% | 2,788 |
| Assets per employee ($millions) | 3.9953% | 3,959 |
| Cash dividends to net income (ytd only)* | 79.2812% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 2,954 |
| Loan loss allowance to noncurrent loans | 71.7785% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 3.4618% | 756 |
| Noncurrent loans to loans | 2.1516% | 1,701 |
| Net loans and leases to total assets | 59.3494% | 3,659 |
| Net loans and leases to deposits | 79.8830% | 2,305 |
| Net loans and leases to core deposits | 85.3791% | 2,380 |
| Total domestic deposits to total assets | 74.2955% | 6,219 |
| Equity capital to assets | 11.6739% | 2,118 |
| Core capital (leverage) ratio | 11.9844% | 1,659 |
| Tier 1 risk-based capital ratio | 15.2800% | 3,560 |
| Total risk-based capital ratio | 16.4973% | 3,534 |
| Memoranda: | ||
| Average total assets | $1,338,637,000 | 520 |
| Average earning assets | $1,178,377,500 | 522 |
| Average equity | $154,679,000 | 486 |
| Average total loans | $812,138,500 | 532 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 2,972 |
| Cost of funding earning assets | 0.7690% | 1,385 |
| Net interest margin | 3.5282% | 3,768 |
| Noninterest income to average assets | 0.7908% | 2,124 |
| Noninterest expense to average assets | 2.9857% | 3,095 |
| Loan and lease loss provision to assets | 0.0287% | 4,540 |
| Net operating income to assets | 0.6299% | 4,113 |
| Return on assets (ROA) | 0.6341% | 4,209 |
| Pretax return on assets | 0.8776% | 3,860 |
| Return on Equity (ROE) | 5.6319% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.0067% | 2,591 |
| Net charge-offs to loans | 0.3354% | 1,998 |
| Credit loss provision to net charge-offs | 13.4133% | 4,546 |
| Earnings coverage of net charge-offs (x) | 4.2079% | 3,638 |
| Efficiency ratio | 76.8295% | 2,650 |
| Assets per employee ($millions) | 3.8911% | 4,082 |
| Cash dividends to net income (ytd only)* | 11.1018% | 4,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 2,468 |
| Loan loss allowance to noncurrent loans | 72.9644% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 3.3863% | 887 |
| Noncurrent loans to loans | 2.2994% | 1,676 |
| Net loans and leases to total assets | 60.0401% | 3,714 |
| Net loans and leases to deposits | 81.0094% | 2,320 |
| Net loans and leases to core deposits | 87.0382% | 2,344 |
| Total domestic deposits to total assets | 74.1150% | 6,272 |
| Equity capital to assets | 11.4339% | 2,220 |
| Core capital (leverage) ratio | 11.9332% | 1,653 |
| Tier 1 risk-based capital ratio | 14.8862% | 3,727 |
| Total risk-based capital ratio | 16.1702% | 3,665 |
| Memoranda: | ||
| Average total assets | $1,323,916,200 | 500 |
| Average earning assets | $1,161,509,400 | 511 |
| Average equity | $149,060,600 | 492 |
| Average total loans | $844,559,200 | 491 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 2,578 |
| Cost of funding earning assets | 0.7742% | 1,463 |
| Net interest margin | 3.6310% | 3,316 |
| Noninterest income to average assets | 0.7327% | 2,447 |
| Noninterest expense to average assets | 2.9741% | 3,068 |
| Loan and lease loss provision to assets | -0.0162% | 6,478 |
| Net operating income to assets | 0.7753% | 3,484 |
| Return on assets (ROA) | 0.7854% | 3,552 |
| Pretax return on assets | 0.9721% | 3,608 |
| Return on Equity (ROE) | 7.0026% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.1652% | 2,302 |
| Net charge-offs to loans | 0.1149% | 3,398 |
| Credit loss provision to net charge-offs | -21.9048% | 5,644 |
| Earnings coverage of net charge-offs (x) | 12.7387% | 2,100 |
| Efficiency ratio | 75.9170% | 2,745 |
| Assets per employee ($millions) | 3.9080% | 4,022 |
| Cash dividends to net income (ytd only)* | 11.9580% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 2,270 |
| Loan loss allowance to noncurrent loans | 96.1663% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 3.0505% | 1,210 |
| Noncurrent loans to loans | 1.8841% | 2,390 |
| Net loans and leases to total assets | 61.4324% | 3,460 |
| Net loans and leases to deposits | 83.7406% | 1,909 |
| Net loans and leases to core deposits | 90.9198% | 1,881 |
| Total domestic deposits to total assets | 73.3603% | 6,410 |
| Equity capital to assets | 11.2048% | 2,561 |
| Core capital (leverage) ratio | 11.9996% | 1,671 |
| Tier 1 risk-based capital ratio | 14.7389% | 3,922 |
| Total risk-based capital ratio | 16.0229% | 3,856 |
| Memoranda: | ||
| Average total assets | $1,323,181,000 | 503 |
| Average earning assets | $1,160,609,000 | 515 |
| Average equity | $148,398,000 | 496 |
| Average total loans | $853,139,000 | 490 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 3,329 |
| Cost of funding earning assets | 0.7805% | 1,522 |
| Net interest margin | 3.4290% | 4,079 |
| Noninterest income to average assets | 0.9896% | 1,556 |
| Noninterest expense to average assets | 2.9220% | 3,268 |
| Loan and lease loss provision to assets | 0.1435% | 2,538 |
| Net operating income to assets | 0.7622% | 3,504 |
| Return on assets (ROA) | 0.7905% | 3,505 |
| Pretax return on assets | 0.9687% | 3,644 |
| Return on Equity (ROE) | 7.0458% | 3,572 |
| Retained earnings to average equity (ytd only) | 5.7859% | 2,564 |
| Net charge-offs to loans | 0.3426% | 1,810 |
| Credit loss provision to net charge-offs | 64.3100% | 2,940 |
| Earnings coverage of net charge-offs (x) | 4.8307% | 3,024 |
| Efficiency ratio | 73.0558% | 3,296 |
| Assets per employee ($millions) | 3.7929% | 4,226 |
| Cash dividends to net income (ytd only)* | 17.8818% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 2,277 |
| Loan loss allowance to noncurrent loans | 77.5247% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 3.5198% | 1,094 |
| Noncurrent loans to loans | 2.3783% | 1,985 |
| Net loans and leases to total assets | 62.4242% | 3,215 |
| Net loans and leases to deposits | 84.3472% | 1,755 |
| Net loans and leases to core deposits | 92.4568% | 1,660 |
| Total domestic deposits to total assets | 74.0087% | 6,444 |
| Equity capital to assets | 11.0999% | 2,660 |
| Core capital (leverage) ratio | 11.7662% | 1,752 |
| Tier 1 risk-based capital ratio | 14.2863% | 4,238 |
| Total risk-based capital ratio | 15.5686% | 4,162 |
| Memoranda: | ||
| Average total assets | $1,318,734,000 | 502 |
| Average earning assets | $1,157,669,330 | 515 |
| Average equity | $147,945,670 | 500 |
| Average total loans | $858,782,670 | 484 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 3,119 |
| Cost of funding earning assets | 0.7859% | 1,606 |
| Net interest margin | 3.4628% | 3,849 |
| Noninterest income to average assets | 0.9843% | 1,507 |
| Noninterest expense to average assets | 2.8667% | 3,475 |
| Loan and lease loss provision to assets | 0.2629% | 1,349 |
| Net operating income to assets | 0.7394% | 3,479 |
| Return on assets (ROA) | 0.8017% | 3,290 |
| Pretax return on assets | 0.9743% | 3,464 |
| Return on Equity (ROE) | 7.1080% | 3,433 |
| Retained earnings to average equity (ytd only) | 4.5968% | 3,479 |
| Net charge-offs to loans | 0.4091% | 1,430 |
| Credit loss provision to net charge-offs | 97.5197% | 1,908 |
| Earnings coverage of net charge-offs (x) | 4.3078% | 2,581 |
| Efficiency ratio | 71.1710% | 3,764 |
| Assets per employee ($millions) | 3.7961% | 4,360 |
| Cash dividends to net income (ytd only)* | 35.3298% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 2,404 |
| Loan loss allowance to noncurrent loans | 70.0424% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 3.5332% | 1,198 |
| Noncurrent loans to loans | 2.6614% | 1,934 |
| Net loans and leases to total assets | 64.0459% | 2,702 |
| Net loans and leases to deposits | 85.8626% | 1,364 |
| Net loans and leases to core deposits | 93.3779% | 1,389 |
| Total domestic deposits to total assets | 74.5911% | 6,499 |
| Equity capital to assets | 11.3896% | 2,537 |
| Core capital (leverage) ratio | 11.6721% | 1,771 |
| Tier 1 risk-based capital ratio | 13.9129% | 4,571 |
| Total risk-based capital ratio | 15.1940% | 4,507 |
| Memoranda: | ||
| Average total assets | $1,316,236,000 | 504 |
| Average earning assets | $1,156,865,500 | 519 |
| Average equity | $148,452,000 | 506 |
| Average total loans | $867,249,000 | 475 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 3,438 |
| Cost of funding earning assets | 0.9491% | 1,650 |
| Net interest margin | 3.5413% | 4,335 |
| Noninterest income to average assets | 0.9851% | 1,578 |
| Noninterest expense to average assets | 2.8793% | 3,718 |
| Loan and lease loss provision to assets | 0.6930% | 748 |
| Net operating income to assets | 0.4491% | 4,888 |
| Return on assets (ROA) | 0.5507% | 4,726 |
| Pretax return on assets | 0.6181% | 4,940 |
| Return on Equity (ROE) | 5.2309% | 4,571 |
| Retained earnings to average equity (ytd only) | 5.2309% | 2,550 |
| Net charge-offs to loans | 1.4167% | 646 |
| Credit loss provision to net charge-offs | 73.2278% | 4,061 |
| Earnings coverage of net charge-offs (x) | 1.2648% | 4,829 |
| Efficiency ratio | 70.6358% | 3,688 |
| Assets per employee ($millions) | 3.7258% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8343% | 2,487 |
| Loan loss allowance to noncurrent loans | 73.7285% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 3.4216% | 1,335 |
| Noncurrent loans to loans | 2.4879% | 2,130 |
| Net loans and leases to total assets | 65.2955% | 2,650 |
| Net loans and leases to deposits | 87.4085% | 1,341 |
| Net loans and leases to core deposits | 96.7463% | 1,245 |
| Total domestic deposits to total assets | 74.7016% | 6,473 |
| Equity capital to assets | 11.1673% | 2,771 |
| Core capital (leverage) ratio | 10.9785% | 2,274 |
| Tier 1 risk-based capital ratio | 13.3507% | 4,854 |
| Total risk-based capital ratio | 14.6297% | 4,789 |
| Memoranda: | ||
| Average total assets | $1,355,023,400 | 492 |
| Average earning assets | $1,182,751,200 | 504 |
| Average equity | $142,652,000 | 511 |
| Average total loans | $905,154,000 | 454 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 3,521 |
| Cost of funding earning assets | 0.9848% | 1,654 |
| Net interest margin | 3.5442% | 4,471 |
| Noninterest income to average assets | 1.0377% | 1,406 |
| Noninterest expense to average assets | 2.8773% | 3,681 |
| Loan and lease loss provision to assets | 0.9061% | 487 |
| Net operating income to assets | 0.3306% | 5,507 |
| Return on assets (ROA) | 0.3839% | 5,526 |
| Pretax return on assets | 0.3964% | 5,730 |
| Return on Equity (ROE) | 3.7006% | 5,410 |
| Retained earnings to average equity (ytd only) | 3.7006% | 4,285 |
| Net charge-offs to loans | 1.8124% | 433 |
| Credit loss provision to net charge-offs | 74.7642% | 3,779 |
| Earnings coverage of net charge-offs (x) | 1.0294% | 4,802 |
| Efficiency ratio | 69.7554% | 3,738 |
| Assets per employee ($millions) | 3.8136% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8370% | 2,684 |
| Loan loss allowance to noncurrent loans | 46.8775% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 4.4776% | 1,041 |
| Noncurrent loans to loans | 3.9187% | 1,319 |
| Net loans and leases to total assets | 64.5313% | 2,923 |
| Net loans and leases to deposits | 86.5679% | 1,535 |
| Net loans and leases to core deposits | 95.6954% | 1,432 |
| Total domestic deposits to total assets | 74.5441% | 6,554 |
| Equity capital to assets | 10.7388% | 3,568 |
| Core capital (leverage) ratio | 10.5654% | 2,844 |
| Tier 1 risk-based capital ratio | 12.6709% | 5,506 |
| Total risk-based capital ratio | 13.9473% | 5,449 |
| Memoranda: | ||
| Average total assets | $1,364,973,500 | 490 |
| Average earning assets | $1,189,009,000 | 508 |
| Average equity | $141,596,250 | 512 |
| Average total loans | $912,735,250 | 453 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 3,456 |
| Cost of funding earning assets | 1.0274% | 1,598 |
| Net interest margin | 3.5478% | 4,477 |
| Noninterest income to average assets | 1.1260% | 1,123 |
| Noninterest expense to average assets | 2.8791% | 3,706 |
| Loan and lease loss provision to assets | 1.3496% | 290 |
| Net operating income to assets | -0.0082% | 6,330 |
| Return on assets (ROA) | 0.0495% | 6,396 |
| Pretax return on assets | 0.0747% | 6,359 |
| Return on Equity (ROE) | 0.4831% | 6,397 |
| Retained earnings to average equity (ytd only) | 0.4831% | 5,877 |
| Net charge-offs to loans | 2.5961% | 264 |
| Credit loss provision to net charge-offs | 77.3146% | 3,390 |
| Earnings coverage of net charge-offs (x) | 0.7658% | 4,674 |
| Efficiency ratio | 68.2923% | 4,067 |
| Assets per employee ($millions) | 3.7830% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 2,714 |
| Loan loss allowance to noncurrent loans | 58.3020% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 3.9644% | 1,298 |
| Noncurrent loans to loans | 3.1682% | 1,841 |
| Net loans and leases to total assets | 66.3555% | 2,602 |
| Net loans and leases to deposits | 88.8442% | 1,275 |
| Net loans and leases to core deposits | 98.1453% | 1,262 |
| Total domestic deposits to total assets | 74.6875% | 6,616 |
| Equity capital to assets | 10.4933% | 3,699 |
| Core capital (leverage) ratio | 10.4395% | 2,870 |
| Tier 1 risk-based capital ratio | 12.3988% | 5,648 |
| Total risk-based capital ratio | 13.6739% | 5,604 |
| Memoranda: | ||
| Average total assets | $1,368,689,330 | 489 |
| Average earning assets | $1,191,995,000 | 509 |
| Average equity | $140,333,330 | 510 |
| Average total loans | $920,317,000 | 452 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 3,676 |
| Cost of funding earning assets | 1.0601% | 1,621 |
| Net interest margin | 3.4996% | 4,704 |
| Noninterest income to average assets | 1.3064% | 833 |
| Noninterest expense to average assets | 2.7636% | 4,185 |
| Loan and lease loss provision to assets | 2.3521% | 110 |
| Net operating income to assets | -0.7612% | 6,940 |
| Return on assets (ROA) | -0.5877% | 6,893 |
| Pretax return on assets | -0.5765% | 6,857 |
| Return on Equity (ROE) | -5.7984% | 6,878 |
| Retained earnings to average equity (ytd only) | -5.7984% | 6,641 |
| Net charge-offs to loans | 4.4860% | 122 |
| Credit loss provision to net charge-offs | 78.1830% | 2,760 |
| Earnings coverage of net charge-offs (x) | 0.5326% | 4,072 |
| Efficiency ratio | 63.3000% | 5,051 |
| Assets per employee ($millions) | 3.9885% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 2,733 |
| Loan loss allowance to noncurrent loans | 59.0477% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 3.8533% | 1,450 |
| Noncurrent loans to loans | 3.1882% | 2,016 |
| Net loans and leases to total assets | 65.0087% | 2,645 |
| Net loans and leases to deposits | 86.5640% | 1,347 |
| Net loans and leases to core deposits | 97.5432% | 1,160 |
| Total domestic deposits to total assets | 75.0990% | 6,634 |
| Equity capital to assets | 10.0308% | 4,089 |
| Core capital (leverage) ratio | 10.2456% | 3,057 |
| Tier 1 risk-based capital ratio | 12.1824% | 5,837 |
| Total risk-based capital ratio | 13.4567% | 5,794 |
| Memoranda: | ||
| Average total assets | $1,381,545,500 | 482 |
| Average earning assets | $1,207,806,500 | 499 |
| Average equity | $140,039,000 | 507 |
| Average total loans | $926,521,000 | 451 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 4,861 |
| Cost of funding earning assets | 1.4224% | 946 |
| Net interest margin | 3.1317% | 6,269 |
| Noninterest income to average assets | 0.8249% | 1,948 |
| Noninterest expense to average assets | 2.6198% | 5,019 |
| Loan and lease loss provision to assets | 0.6136% | 1,683 |
| Net operating income to assets | 0.3757% | 4,970 |
| Return on assets (ROA) | 0.4330% | 4,921 |
| Pretax return on assets | 0.3905% | 5,323 |
| Return on Equity (ROE) | 4.6143% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.6143% | 2,896 |
| Net charge-offs to loans | 1.2342% | 1,349 |
| Credit loss provision to net charge-offs | 77.5032% | 4,577 |
| Earnings coverage of net charge-offs (x) | 1.1958% | 4,890 |
| Efficiency ratio | 73.4551% | 3,312 |
| Assets per employee ($millions) | 3.9629% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0752% | 2,073 |
| Loan loss allowance to noncurrent loans | 48.7390% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 4.4232% | 1,246 |
| Noncurrent loans to loans | 4.2578% | 1,436 |
| Net loans and leases to total assets | 66.4620% | 2,693 |
| Net loans and leases to deposits | 88.8978% | 1,279 |
| Net loans and leases to core deposits | 100.2820% | 1,153 |
| Total domestic deposits to total assets | 74.7622% | 6,638 |
| Equity capital to assets | 10.2418% | 3,861 |
| Core capital (leverage) ratio | 9.7481% | 3,677 |
| Tier 1 risk-based capital ratio | 12.1087% | 5,756 |
| Total risk-based capital ratio | 13.3842% | 5,718 |
| Memoranda: | ||
| Average total assets | $1,492,296,000 | 446 |
| Average earning assets | $1,306,419,400 | 457 |
| Average equity | $140,044,000 | 496 |
| Average total loans | $957,329,200 | 437 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 5,159 |
| Cost of funding earning assets | 1.4870% | 911 |
| Net interest margin | 3.0438% | 6,502 |
| Noninterest income to average assets | 0.7510% | 2,307 |
| Noninterest expense to average assets | 2.5581% | 5,242 |
| Loan and lease loss provision to assets | 0.5211% | 1,902 |
| Net operating income to assets | 0.3704% | 5,129 |
| Return on assets (ROA) | 0.4193% | 5,102 |
| Pretax return on assets | 0.3867% | 5,510 |
| Return on Equity (ROE) | 4.5630% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.5630% | 3,469 |
| Net charge-offs to loans | 1.1007% | 1,440 |
| Credit loss provision to net charge-offs | 74.7797% | 4,329 |
| Earnings coverage of net charge-offs (x) | 1.2326% | 4,693 |
| Efficiency ratio | 74.8646% | 3,027 |
| Assets per employee ($millions) | 4.0060% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1909% | 1,879 |
| Loan loss allowance to noncurrent loans | 52.5924% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 4.2097% | 1,453 |
| Noncurrent loans to loans | 4.1658% | 1,579 |
| Net loans and leases to total assets | 63.0291% | 3,508 |
| Net loans and leases to deposits | 84.0898% | 1,988 |
| Net loans and leases to core deposits | 95.7942% | 1,625 |
| Total domestic deposits to total assets | 74.9545% | 6,643 |
| Equity capital to assets | 9.9690% | 4,384 |
| Core capital (leverage) ratio | 9.4930% | 4,156 |
| Tier 1 risk-based capital ratio | 11.9675% | 5,915 |
| Total risk-based capital ratio | 13.2430% | 5,888 |
| Memoranda: | ||
| Average total assets | $1,519,603,000 | 437 |
| Average earning assets | $1,331,042,000 | 455 |
| Average equity | $139,642,250 | 504 |
| Average total loans | $961,988,000 | 438 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 5,307 |
| Cost of funding earning assets | 1.5347% | 878 |
| Net interest margin | 2.9808% | 6,643 |
| Noninterest income to average assets | 0.8468% | 1,814 |
| Noninterest expense to average assets | 2.5157% | 5,470 |
| Loan and lease loss provision to assets | 0.5939% | 1,627 |
| Net operating income to assets | 0.4132% | 4,882 |
| Return on assets (ROA) | 0.4451% | 4,884 |
| Pretax return on assets | 0.3869% | 5,435 |
| Return on Equity (ROE) | 4.9727% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.9727% | 3,024 |
| Net charge-offs to loans | 1.1763% | 1,328 |
| Credit loss provision to net charge-offs | 80.1985% | 3,768 |
| Earnings coverage of net charge-offs (x) | 1.2814% | 4,330 |
| Efficiency ratio | 72.6102% | 3,617 |
| Assets per employee ($millions) | 4.1115% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2427% | 1,834 |
| Loan loss allowance to noncurrent loans | 48.5281% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 4.6169% | 1,357 |
| Noncurrent loans to loans | 4.6215% | 1,431 |
| Net loans and leases to total assets | 62.8938% | 3,700 |
| Net loans and leases to deposits | 82.6088% | 2,353 |
| Net loans and leases to core deposits | 95.7266% | 1,711 |
| Total domestic deposits to total assets | 76.1345% | 6,581 |
| Equity capital to assets | 9.6731% | 4,575 |
| Core capital (leverage) ratio | 9.1714% | 4,455 |
| Tier 1 risk-based capital ratio | 11.4603% | 6,195 |
| Total risk-based capital ratio | 12.7342% | 6,167 |
| Memoranda: | ||
| Average total assets | $1,550,755,000 | 436 |
| Average earning assets | $1,361,923,670 | 450 |
| Average equity | $138,799,000 | 508 |
| Average total loans | $976,309,670 | 444 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 5,621 |
| Cost of funding earning assets | 1.5652% | 933 |
| Net interest margin | 2.8541% | 6,826 |
| Noninterest income to average assets | 0.7708% | 2,152 |
| Noninterest expense to average assets | 2.5488% | 5,393 |
| Loan and lease loss provision to assets | 0.3363% | 2,541 |
| Net operating income to assets | 0.3789% | 5,033 |
| Return on assets (ROA) | 0.4109% | 4,990 |
| Pretax return on assets | 0.4359% | 5,227 |
| Return on Equity (ROE) | 4.7662% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.7662% | 3,326 |
| Net charge-offs to loans | 0.8323% | 1,579 |
| Credit loss provision to net charge-offs | 64.8336% | 3,453 |
| Earnings coverage of net charge-offs (x) | 1.4231% | 3,637 |
| Efficiency ratio | 77.5409% | 2,911 |
| Assets per employee ($millions) | 4.2374% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1811% | 2,006 |
| Loan loss allowance to noncurrent loans | 54.9555% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 4.0848% | 1,637 |
| Noncurrent loans to loans | 3.9688% | 1,838 |
| Net loans and leases to total assets | 63.6506% | 3,513 |
| Net loans and leases to deposits | 84.9108% | 1,897 |
| Net loans and leases to core deposits | 100.2985% | 1,316 |
| Total domestic deposits to total assets | 74.9617% | 6,800 |
| Equity capital to assets | 9.1790% | 4,905 |
| Core capital (leverage) ratio | 8.7805% | 4,954 |
| Tier 1 risk-based capital ratio | 10.6421% | 6,725 |
| Total risk-based capital ratio | 11.9121% | 6,702 |
| Memoranda: | ||
| Average total assets | $1,598,400,000 | 429 |
| Average earning assets | $1,409,190,500 | 436 |
| Average equity | $137,804,500 | 508 |
| Average total loans | $996,265,500 | 440 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 6,326 |
| Cost of funding earning assets | 1.7069% | 1,568 |
| Net interest margin | 2.8178% | 7,008 |
| Noninterest income to average assets | 0.4561% | 4,471 |
| Noninterest expense to average assets | 2.3745% | 6,155 |
| Loan and lease loss provision to assets | 0.8978% | 1,820 |
| Net operating income to assets | -0.0596% | 5,940 |
| Return on assets (ROA) | -0.4442% | 6,378 |
| Pretax return on assets | -0.9018% | 6,581 |
| Return on Equity (ROE) | -5.8111% | 6,486 |
| Retained earnings to average equity (ytd only) | -5.8111% | 6,367 |
| Net charge-offs to loans | 1.2745% | 1,762 |
| Credit loss provision to net charge-offs | 114.9729% | 3,770 |
| Earnings coverage of net charge-offs (x) | 0.7644% | 5,356 |
| Efficiency ratio | 79.0286% | 2,535 |
| Assets per employee ($millions) | 4.5630% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1898% | 1,886 |
| Loan loss allowance to noncurrent loans | 58.7277% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 3.5592% | 1,934 |
| Noncurrent loans to loans | 3.7288% | 1,988 |
| Net loans and leases to total assets | 58.5687% | 4,944 |
| Net loans and leases to deposits | 75.8390% | 3,868 |
| Net loans and leases to core deposits | 103.0920% | 1,382 |
| Total domestic deposits to total assets | 77.2276% | 6,443 |
| Equity capital to assets | 8.1232% | 6,355 |
| Core capital (leverage) ratio | 7.7339% | 6,512 |
| Tier 1 risk-based capital ratio | 10.2648% | 6,840 |
| Total risk-based capital ratio | 11.5342% | 6,808 |
| Memoranda: | ||
| Average total assets | $1,751,539,000 | 391 |
| Average earning assets | $1,563,576,800 | 395 |
| Average equity | $133,882,400 | 510 |
| Average total loans | $1,073,234,000 | 419 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 6,197 |
| Cost of funding earning assets | 1.7286% | 1,727 |
| Net interest margin | 2.9194% | 6,977 |
| Noninterest income to average assets | 0.5878% | 3,519 |
| Noninterest expense to average assets | 2.3651% | 6,134 |
| Loan and lease loss provision to assets | 0.8037% | 1,893 |
| Net operating income to assets | 0.2142% | 5,467 |
| Return on assets (ROA) | -0.2898% | 6,470 |
| Pretax return on assets | -0.7600% | 6,711 |
| Return on Equity (ROE) | -3.8486% | 6,558 |
| Retained earnings to average equity (ytd only) | -3.8486% | 6,442 |
| Net charge-offs to loans | 0.7904% | 2,465 |
| Credit loss provision to net charge-offs | 165.0349% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.7067% | 4,421 |
| Efficiency ratio | 73.0073% | 3,524 |
| Assets per employee ($millions) | 4.7031% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 1,588 |
| Loan loss allowance to noncurrent loans | 60.6412% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 3.3670% | 2,117 |
| Noncurrent loans to loans | 3.8313% | 1,998 |
| Net loans and leases to total assets | 57.1342% | 5,391 |
| Net loans and leases to deposits | 73.1415% | 4,663 |
| Net loans and leases to core deposits | 105.9232% | 1,333 |
| Total domestic deposits to total assets | 78.1146% | 6,237 |
| Equity capital to assets | 7.6070% | 7,058 |
| Core capital (leverage) ratio | 7.9005% | 6,469 |
| Tier 1 risk-based capital ratio | 10.3511% | 6,862 |
| Total risk-based capital ratio | 11.6213% | 6,846 |
| Memoranda: | ||
| Average total assets | $1,767,349,500 | 385 |
| Average earning assets | $1,579,050,000 | 386 |
| Average equity | $133,067,250 | 502 |
| Average total loans | $1,088,804,750 | 419 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 5,747 |
| Cost of funding earning assets | 1.7505% | 1,862 |
| Net interest margin | 3.0631% | 6,697 |
| Noninterest income to average assets | 0.6109% | 3,251 |
| Noninterest expense to average assets | 2.3889% | 6,094 |
| Loan and lease loss provision to assets | 0.8162% | 1,770 |
| Net operating income to assets | 0.1882% | 5,601 |
| Return on assets (ROA) | -0.5430% | 6,721 |
| Pretax return on assets | -1.0048% | 6,891 |
| Return on Equity (ROE) | -7.2366% | 6,851 |
| Retained earnings to average equity (ytd only) | -7.2366% | 6,759 |
| Net charge-offs to loans | 0.6334% | 2,646 |
| Credit loss provision to net charge-offs | 205.6669% | 1,894 |
| Earnings coverage of net charge-offs (x) | 2.4033% | 3,794 |
| Efficiency ratio | 70.5179% | 4,084 |
| Assets per employee ($millions) | 4.6294% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1944% | 1,768 |
| Loan loss allowance to noncurrent loans | 51.9973% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 3.4667% | 2,031 |
| Noncurrent loans to loans | 4.2203% | 1,767 |
| Net loans and leases to total assets | 59.9381% | 5,069 |
| Net loans and leases to deposits | 76.5190% | 4,236 |
| Net loans and leases to core deposits | 111.0152% | 1,099 |
| Total domestic deposits to total assets | 78.3310% | 6,193 |
| Equity capital to assets | 7.5227% | 7,098 |
| Core capital (leverage) ratio | 7.9793% | 6,293 |
| Tier 1 risk-based capital ratio | 10.0173% | 7,015 |
| Total risk-based capital ratio | 11.2851% | 6,984 |
| Memoranda: | ||
| Average total assets | $1,760,737,330 | 390 |
| Average earning assets | $1,570,328,330 | 393 |
| Average equity | $132,106,000 | 505 |
| Average total loans | $1,103,278,670 | 416 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 5,131 |
| Cost of funding earning assets | 1.7623% | 2,056 |
| Net interest margin | 3.2145% | 6,251 |
| Noninterest income to average assets | 0.6348% | 3,048 |
| Noninterest expense to average assets | 2.3712% | 6,187 |
| Loan and lease loss provision to assets | 0.8094% | 1,557 |
| Net operating income to assets | 0.3686% | 4,981 |
| Return on assets (ROA) | -1.0166% | 7,133 |
| Pretax return on assets | -1.8396% | 7,364 |
| Return on Equity (ROE) | -13.5671% | 7,275 |
| Retained earnings to average equity (ytd only) | -13.5671% | 7,150 |
| Net charge-offs to loans | 0.6321% | 2,239 |
| Credit loss provision to net charge-offs | 202.1035% | 1,836 |
| Earnings coverage of net charge-offs (x) | 2.8317% | 3,133 |
| Efficiency ratio | 66.7381% | 4,968 |
| Assets per employee ($millions) | 4.7511% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 2,225 |
| Loan loss allowance to noncurrent loans | 47.5927% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 3.2351% | 2,220 |
| Noncurrent loans to loans | 4.1719% | 1,846 |
| Net loans and leases to total assets | 60.8027% | 4,975 |
| Net loans and leases to deposits | 78.8969% | 3,863 |
| Net loans and leases to core deposits | 115.4937% | 975 |
| Total domestic deposits to total assets | 77.0660% | 6,547 |
| Equity capital to assets | 7.4436% | 7,110 |
| Core capital (leverage) ratio | 8.0637% | 6,141 |
| Tier 1 risk-based capital ratio | 9.6497% | 7,227 |
| Total risk-based capital ratio | 10.9151% | 7,216 |
| Memoranda: | ||
| Average total assets | $1,756,894,500 | 406 |
| Average earning assets | $1,568,874,000 | 408 |
| Average equity | $131,642,000 | 517 |
| Average total loans | $1,113,047,500 | 428 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6578% | 3,308 |
| Cost of funding earning assets | 2.0298% | 2,826 |
| Net interest margin | 3.6280% | 4,445 |
| Noninterest income to average assets | 0.7512% | 2,669 |
| Noninterest expense to average assets | 2.6067% | 5,776 |
| Loan and lease loss provision to assets | 0.9285% | 2,421 |
| Net operating income to assets | 0.3912% | 4,161 |
| Return on assets (ROA) | -0.6335% | 6,299 |
| Pretax return on assets | -1.1127% | 6,484 |
| Return on Equity (ROE) | -8.7369% | 6,527 |
| Retained earnings to average equity (ytd only) | -12.2942% | 6,707 |
| Net charge-offs to loans | 0.8727% | 2,652 |
| Credit loss provision to net charge-offs | 156.7757% | 2,880 |
| Earnings coverage of net charge-offs (x) | 2.3923% | 3,938 |
| Efficiency ratio | 63.9523% | 5,786 |
| Assets per employee ($millions) | 4.5232% | 2,882 |
| Cash dividends to net income (ytd only)* | -40.7161% | 7,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 2,589 |
| Loan loss allowance to noncurrent loans | 41.3860% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 3.2520% | 2,110 |
| Noncurrent loans to loans | 4.3195% | 1,668 |
| Net loans and leases to total assets | 63.5456% | 4,693 |
| Net loans and leases to deposits | 84.0142% | 3,271 |
| Net loans and leases to core deposits | 102.8788% | 3,702 |
| Total domestic deposits to total assets | 75.6367% | 6,751 |
| Equity capital to assets | 7.5432% | 6,993 |
| Core capital (leverage) ratio | 8.7220% | 4,888 |
| Tier 1 risk-based capital ratio | 9.5563% | 7,193 |
| Total risk-based capital ratio | 10.8308% | 7,160 |
| Memoranda: | ||
| Average total assets | $1,662,157,400 | 416 |
| Average earning assets | $1,499,231,800 | 419 |
| Average equity | $120,512,000 | 546 |
| Average total loans | $1,128,057,000 | 433 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7743% | 3,007 |
| Cost of funding earning assets | 2.0755% | 3,010 |
| Net interest margin | 3.6988% | 4,076 |
| Noninterest income to average assets | 0.7280% | 2,839 |
| Noninterest expense to average assets | 2.6254% | 5,620 |
| Loan and lease loss provision to assets | 0.8666% | 2,216 |
| Net operating income to assets | 0.4802% | 4,071 |
| Return on assets (ROA) | -0.0877% | 5,905 |
| Pretax return on assets | -0.3064% | 6,106 |
| Return on Equity (ROE) | -1.2226% | 5,971 |
| Retained earnings to average equity (ytd only) | -5.3757% | 6,297 |
| Net charge-offs to loans | 0.9745% | 2,021 |
| Credit loss provision to net charge-offs | 129.4317% | 3,873 |
| Earnings coverage of net charge-offs (x) | 2.1619% | 4,209 |
| Efficiency ratio | 63.6284% | 5,821 |
| Assets per employee ($millions) | 4.2746% | 3,247 |
| Cash dividends to net income (ytd only)* | -339.6850% | 8,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 3,525 |
| Loan loss allowance to noncurrent loans | 36.8246% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 2.9980% | 2,314 |
| Noncurrent loans to loans | 4.0308% | 1,820 |
| Net loans and leases to total assets | 67.0536% | 4,173 |
| Net loans and leases to deposits | 90.5599% | 2,467 |
| Net loans and leases to core deposits | 110.1721% | 3,218 |
| Total domestic deposits to total assets | 74.0434% | 6,936 |
| Equity capital to assets | 8.1736% | 6,670 |
| Core capital (leverage) ratio | 9.4282% | 4,007 |
| Tier 1 risk-based capital ratio | 9.9094% | 7,051 |
| Total risk-based capital ratio | 10.9791% | 7,173 |
| Memoranda: | ||
| Average total assets | $1,643,474,000 | 429 |
| Average earning assets | $1,486,223,000 | 434 |
| Average equity | $117,885,500 | 569 |
| Average total loans | $1,129,119,500 | 451 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8653% | 2,738 |
| Cost of funding earning assets | 2.1328% | 3,116 |
| Net interest margin | 3.7325% | 3,822 |
| Noninterest income to average assets | 0.7214% | 2,857 |
| Noninterest expense to average assets | 2.6582% | 5,528 |
| Loan and lease loss provision to assets | 0.4612% | 3,220 |
| Net operating income to assets | 0.7297% | 3,137 |
| Return on assets (ROA) | 0.5039% | 4,197 |
| Pretax return on assets | 0.6705% | 4,098 |
| Return on Equity (ROE) | 7.3776% | 3,035 |
| Retained earnings to average equity (ytd only) | 2.9912% | 3,656 |
| Net charge-offs to loans | 0.6951% | 2,312 |
| Credit loss provision to net charge-offs | 96.2669% | 4,732 |
| Earnings coverage of net charge-offs (x) | 2.9908% | 3,613 |
| Efficiency ratio | 64.1416% | 5,889 |
| Assets per employee ($millions) | 4.0402% | 3,601 |
| Cash dividends to net income (ytd only)* | 59.4555% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 4,471 |
| Loan loss allowance to noncurrent loans | 30.2412% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 3.0784% | 2,043 |
| Noncurrent loans to loans | 4.1982% | 1,577 |
| Net loans and leases to total assets | 68.5722% | 4,054 |
| Net loans and leases to deposits | 92.5570% | 2,357 |
| Net loans and leases to core deposits | 112.4475% | 3,082 |
| Total domestic deposits to total assets | 74.0864% | 6,943 |
| Equity capital to assets | 8.1472% | 6,563 |
| Core capital (leverage) ratio | 9.9430% | 3,354 |
| Tier 1 risk-based capital ratio | 10.1001% | 6,821 |
| Total risk-based capital ratio | 10.9829% | 7,142 |
| Memoranda: | ||
| Average total assets | $1,632,751,330 | 446 |
| Average earning assets | $1,474,032,670 | 446 |
| Average equity | $111,527,000 | 607 |
| Average total loans | $1,125,323,330 | 464 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9804% | 2,442 |
| Cost of funding earning assets | 2.2108% | 3,114 |
| Net interest margin | 3.7696% | 3,588 |
| Noninterest income to average assets | 0.7009% | 2,888 |
| Noninterest expense to average assets | 2.4550% | 6,008 |
| Loan and lease loss provision to assets | 0.4856% | 2,537 |
| Net operating income to assets | 0.8437% | 2,938 |
| Return on assets (ROA) | 0.6517% | 3,975 |
| Pretax return on assets | 0.8969% | 3,727 |
| Return on Equity (ROE) | 10.5543% | 2,107 |
| Retained earnings to average equity (ytd only) | 5.7169% | 2,770 |
| Net charge-offs to loans | 1.0840% | 1,254 |
| Credit loss provision to net charge-offs | 65.2531% | 4,433 |
| Earnings coverage of net charge-offs (x) | 2.2110% | 3,637 |
| Efficiency ratio | 59.0359% | 6,549 |
| Assets per employee ($millions) | 4.2453% | 3,178 |
| Cash dividends to net income (ytd only)* | 45.8333% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 4,967 |
| Loan loss allowance to noncurrent loans | 33.9414% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 2.4935% | 2,304 |
| Noncurrent loans to loans | 3.4592% | 1,842 |
| Net loans and leases to total assets | 66.8559% | 4,377 |
| Net loans and leases to deposits | 88.6911% | 3,155 |
| Net loans and leases to core deposits | 106.2419% | 3,883 |
| Total domestic deposits to total assets | 75.3807% | 6,630 |
| Equity capital to assets | 6.8778% | 7,734 |
| Core capital (leverage) ratio | 9.0416% | 4,634 |
| Tier 1 risk-based capital ratio | 10.2020% | 6,719 |
| Total risk-based capital ratio | 11.0968% | 6,992 |
| Memoranda: | ||
| Average total assets | $1,635,022,500 | 448 |
| Average earning assets | $1,474,547,000 | 450 |
| Average equity | $100,964,000 | 667 |
| Average total loans | $1,122,557,500 | 468 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5919% | 2,527 |
| Cost of funding earning assets | 2.8645% | 2,416 |
| Net interest margin | 3.7274% | 4,349 |
| Noninterest income to average assets | 0.8682% | 2,117 |
| Noninterest expense to average assets | 2.4380% | 6,264 |
| Loan and lease loss provision to assets | 0.8135% | 1,829 |
| Net operating income to assets | 0.7485% | 3,679 |
| Return on assets (ROA) | 0.6541% | 3,940 |
| Pretax return on assets | 0.8822% | 3,785 |
| Return on Equity (ROE) | 9.3763% | 2,485 |
| Retained earnings to average equity (ytd only) | 5.0130% | 2,023 |
| Net charge-offs to loans | 0.5288% | 2,248 |
| Credit loss provision to net charge-offs | 223.8974% | 2,127 |
| Earnings coverage of net charge-offs (x) | 5.0181% | 3,780 |
| Efficiency ratio | 56.3786% | 6,957 |
| Assets per employee ($millions) | 4.1291% | 3,254 |
| Cash dividends to net income (ytd only)* | 46.5352% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 4,072 |
| Loan loss allowance to noncurrent loans | 50.6522% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 1.8786% | 2,619 |
| Noncurrent loans to loans | 2.4809% | 2,202 |
| Net loans and leases to total assets | 68.8085% | 4,299 |
| Net loans and leases to deposits | 90.7399% | 3,329 |
| Net loans and leases to core deposits | 108.6825% | 3,893 |
| Total domestic deposits to total assets | 75.8305% | 6,285 |
| Equity capital to assets | 5.4581% | 8,137 |
| Core capital (leverage) ratio | 7.4296% | 7,284 |
| Tier 1 risk-based capital ratio | 9.7312% | 7,044 |
| Total risk-based capital ratio | 10.9061% | 7,035 |
| Memoranda: | ||
| Average total assets | $1,566,405,000 | 449 |
| Average earning assets | $1,425,863,600 | 448 |
| Average equity | $109,275,600 | 619 |
| Average total loans | $1,076,246,600 | 466 |