Home > First US Bank > Performance and Condition Ratios
First US Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4535% | 1,229 |
| Cost of funding earning assets | 1.5490% | 1,813 |
| Net interest margin | 3.9045% | 1,365 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.5754% | 2,081 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.9421% | 2,394 |
| Return on assets (ROA) | 0.9421% | 2,384 |
| Pretax return on assets | 1.2377% | 2,039 |
| Return on Equity (ROE) | 10.3800% | 2,387 |
| Retained earnings to average equity (ytd only) | 6.7337% | 1,976 |
| Net charge-offs to loans | 0.1350% | 738 |
| Credit loss provision to net charge-offs | 3.8889% | 2,395 |
| Earnings coverage of net charge-offs (x) | 12.2741% | 2,154 |
| Efficiency ratio | 66.5198% | 2,284 |
| Assets per employee ($millions) | 7.0119% | 2,068 |
| Cash dividends to net income (ytd only)* | 35.1376% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 1,884 |
| Loan loss allowance to noncurrent loans | 437.9742% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 1,823 |
| Noncurrent loans to loans | 0.2919% | 2,131 |
| Net loans and leases to total assets | 75.6200% | 1,163 |
| Net loans and leases to deposits | 85.2147% | 1,677 |
| Net loans and leases to core deposits | 98.7712% | 1,503 |
| Total domestic deposits to total assets | 88.7400% | 1,145 |
| Equity capital to assets | 9.2648% | 2,503 |
| Core capital (leverage) ratio | 9.3569% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1095% | 2,550 |
| Memoranda: | ||
| Average total assets | $1,045,268,600 | 945 |
| Average earning assets | $968,300,400 | 936 |
| Average equity | $94,850,800 | 983 |
| Average total loans | $800,269,400 | 863 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3877% | 1,148 |
| Cost of funding earning assets | 1.4247% | 1,798 |
| Net interest margin | 3.9630% | 1,276 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.5760% | 2,014 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.9318% | 2,576 |
| Return on assets (ROA) | 0.9318% | 2,563 |
| Pretax return on assets | 1.2175% | 2,256 |
| Return on Equity (ROE) | 10.3200% | 2,552 |
| Retained earnings to average equity (ytd only) | 6.6327% | 2,422 |
| Net charge-offs to loans | 0.1179% | 681 |
| Credit loss provision to net charge-offs | 76.5292% | 1,773 |
| Earnings coverage of net charge-offs (x) | 14.5590% | 1,995 |
| Efficiency ratio | 65.6963% | 2,309 |
| Assets per employee ($millions) | 6.8250% | 2,089 |
| Cash dividends to net income (ytd only)* | 35.7586% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 1,466 |
| Loan loss allowance to noncurrent loans | 467.9276% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 1,857 |
| Noncurrent loans to loans | 0.2983% | 2,162 |
| Net loans and leases to total assets | 75.5100% | 1,174 |
| Net loans and leases to deposits | 86.4474% | 1,517 |
| Net loans and leases to core deposits | 101.7978% | 1,225 |
| Total domestic deposits to total assets | 87.3400% | 1,784 |
| Equity capital to assets | 8.9270% | 2,462 |
| Core capital (leverage) ratio | 9.0939% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0600% | 2,592 |
| Memoranda: | ||
| Average total assets | $1,038,379,750 | 950 |
| Average earning assets | $961,695,500 | 937 |
| Average equity | $93,714,750 | 990 |
| Average total loans | $794,889,000 | 868 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2397% | 1,163 |
| Cost of funding earning assets | 1.2539% | 1,839 |
| Net interest margin | 3.9858% | 1,273 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.5767% | 1,987 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.9314% | 2,646 |
| Return on assets (ROA) | 0.9314% | 2,633 |
| Pretax return on assets | 1.2187% | 2,314 |
| Return on Equity (ROE) | 10.2800% | 2,631 |
| Retained earnings to average equity (ytd only) | 6.5744% | 2,426 |
| Net charge-offs to loans | 0.1238% | 590 |
| Credit loss provision to net charge-offs | 98.1557% | 1,468 |
| Earnings coverage of net charge-offs (x) | 14.0225% | 1,887 |
| Efficiency ratio | 65.4217% | 2,321 |
| Assets per employee ($millions) | 6.9783% | 1,941 |
| Cash dividends to net income (ytd only)* | 36.0584% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,469 |
| Loan loss allowance to noncurrent loans | 1,178.3453% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 2,504 |
| Noncurrent loans to loans | 0.1202% | 2,876 |
| Net loans and leases to total assets | 75.2100% | 1,135 |
| Net loans and leases to deposits | 85.7945% | 1,516 |
| Net loans and leases to core deposits | 101.7666% | 1,145 |
| Total domestic deposits to total assets | 87.6600% | 1,721 |
| Equity capital to assets | 8.7654% | 2,681 |
| Core capital (leverage) ratio | 9.1916% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2137% | 2,566 |
| Memoranda: | ||
| Average total assets | $1,029,604,333 | 947 |
| Average earning assets | $952,692,667 | 938 |
| Average equity | $93,271,000 | 992 |
| Average total loans | $788,085,333 | 859 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 1,061 |
| Cost of funding earning assets | 1.0336% | 1,937 |
| Net interest margin | 4.0911% | 1,110 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.6559% | 1,787 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.9488% | 2,695 |
| Return on assets (ROA) | 0.9488% | 2,655 |
| Pretax return on assets | 1.2409% | 2,329 |
| Return on Equity (ROE) | 10.3000% | 2,699 |
| Retained earnings to average equity (ytd only) | 6.5812% | 2,622 |
| Net charge-offs to loans | 0.1110% | 560 |
| Credit loss provision to net charge-offs | 125.1163% | 1,018 |
| Earnings coverage of net charge-offs (x) | 15.8326% | 1,532 |
| Efficiency ratio | 65.7999% | 2,230 |
| Assets per employee ($millions) | 6.4972% | 2,342 |
| Cash dividends to net income (ytd only)* | 36.0868% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 1,279 |
| Loan loss allowance to noncurrent loans | 955.4366% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 2,263 |
| Noncurrent loans to loans | 0.1565% | 2,706 |
| Net loans and leases to total assets | 74.4500% | 1,139 |
| Net loans and leases to deposits | 84.8659% | 1,435 |
| Net loans and leases to core deposits | 99.9434% | 1,090 |
| Total domestic deposits to total assets | 87.7300% | 2,015 |
| Equity capital to assets | 9.0413% | 2,484 |
| Core capital (leverage) ratio | 9.3649% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4119% | 2,598 |
| Memoranda: | ||
| Average total assets | $1,010,569,500 | 976 |
| Average earning assets | $933,441,000 | 975 |
| Average equity | $93,113,500 | 1,007 |
| Average total loans | $774,881,000 | 882 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 624 |
| Cost of funding earning assets | 0.4230% | 1,917 |
| Net interest margin | 4.1657% | 585 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.7001% | 1,556 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 0.8478% | 3,159 |
| Return on assets (ROA) | 0.8411% | 3,116 |
| Pretax return on assets | 1.0997% | 2,767 |
| Return on Equity (ROE) | 8.7800% | 3,178 |
| Retained earnings to average equity (ytd only) | 5.0673% | 3,023 |
| Net charge-offs to loans | 0.3042% | 253 |
| Credit loss provision to net charge-offs | 149.9547% | 1,301 |
| Earnings coverage of net charge-offs (x) | 6.3880% | 2,335 |
| Efficiency ratio | 64.4255% | 2,445 |
| Assets per employee ($millions) | 6.4167% | 2,404 |
| Cash dividends to net income (ytd only)* | 42.3143% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,310 |
| Loan loss allowance to noncurrent loans | 570.6844% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 1,970 |
| Noncurrent loans to loans | 0.2133% | 2,422 |
| Net loans and leases to total assets | 76.8600% | 913 |
| Net loans and leases to deposits | 87.5781% | 1,203 |
| Net loans and leases to core deposits | 97.8539% | 1,107 |
| Total domestic deposits to total assets | 87.7600% | 2,158 |
| Equity capital to assets | 9.3921% | 2,081 |
| Core capital (leverage) ratio | 9.3949% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1896% | 2,678 |
| Memoranda: | ||
| Average total assets | $973,057,600 | 1,003 |
| Average earning assets | $897,777,800 | 1,003 |
| Average equity | $93,165,400 | 989 |
| Average total loans | $725,092,200 | 879 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4162% | 565 |
| Cost of funding earning assets | 0.3258% | 1,902 |
| Net interest margin | 4.0904% | 528 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.7226% | 1,415 |
| Loan and lease loss provision to assets | 0.3800% | 152 |
| Net operating income to assets | 0.7684% | 3,360 |
| Return on assets (ROA) | 0.7684% | 3,312 |
| Pretax return on assets | 1.0039% | 3,000 |
| Return on Equity (ROE) | 7.9900% | 3,337 |
| Retained earnings to average equity (ytd only) | 4.2618% | 3,357 |
| Net charge-offs to loans | 0.3232% | 202 |
| Credit loss provision to net charge-offs | 160.9375% | 1,094 |
| Earnings coverage of net charge-offs (x) | 5.8258% | 2,132 |
| Efficiency ratio | 65.5346% | 2,338 |
| Assets per employee ($millions) | 6.3818% | 2,422 |
| Cash dividends to net income (ytd only)* | 46.6380% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,260 |
| Loan loss allowance to noncurrent loans | 451.2759% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 1,838 |
| Noncurrent loans to loans | 0.2768% | 2,265 |
| Net loans and leases to total assets | 74.9000% | 1,020 |
| Net loans and leases to deposits | 87.2901% | 1,081 |
| Net loans and leases to core deposits | 93.3615% | 1,124 |
| Total domestic deposits to total assets | 85.8100% | 3,107 |
| Equity capital to assets | 9.2577% | 2,035 |
| Core capital (leverage) ratio | 9.2333% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2316% | 2,742 |
| Memoranda: | ||
| Average total assets | $967,675,000 | 1,017 |
| Average earning assets | $892,926,500 | 1,013 |
| Average equity | $93,103,500 | 1,014 |
| Average total loans | $712,897,000 | 886 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 549 |
| Cost of funding earning assets | 0.2576% | 2,169 |
| Net interest margin | 4.0076% | 489 |
| Noninterest income to average assets | 0.3261% | 3,215 |
| Noninterest expense to average assets | 2.7515% | 1,264 |
| Loan and lease loss provision to assets | 0.3365% | 187 |
| Net operating income to assets | 0.7115% | 3,271 |
| Return on assets (ROA) | 0.7115% | 3,222 |
| Pretax return on assets | 0.9370% | 2,942 |
| Return on Equity (ROE) | 7.3003% | 3,218 |
| Retained earnings to average equity (ytd only) | 5.5569% | 2,491 |
| Net charge-offs to loans | 0.3384% | 205 |
| Credit loss provision to net charge-offs | 136.3713% | 1,129 |
| Earnings coverage of net charge-offs (x) | 5.1612% | 1,939 |
| Efficiency ratio | 67.6048% | 2,294 |
| Assets per employee ($millions) | 6.1229% | 2,635 |
| Cash dividends to net income (ytd only)* | 23.8806% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,566 |
| Loan loss allowance to noncurrent loans | 601.4433% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 2,450 |
| Noncurrent loans to loans | 0.2036% | 2,697 |
| Net loans and leases to total assets | 73.9012% | 929 |
| Net loans and leases to deposits | 83.4971% | 1,155 |
| Net loans and leases to core deposits | 90.0550% | 1,116 |
| Total domestic deposits to total assets | 88.5076% | 2,380 |
| Equity capital to assets | 9.6008% | 1,940 |
| Core capital (leverage) ratio | 9.3281% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5636% | 2,658 |
| Memoranda: | ||
| Average total assets | $960,506,667 | 1,022 |
| Average earning assets | $886,524,333 | 1,025 |
| Average equity | $93,613,000 | 1,013 |
| Average total loans | $700,439,000 | 884 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2214% | 498 |
| Cost of funding earning assets | 0.2511% | 2,142 |
| Net interest margin | 3.9703% | 437 |
| Noninterest income to average assets | 0.3231% | 3,170 |
| Noninterest expense to average assets | 2.7912% | 1,174 |
| Loan and lease loss provision to assets | 0.2994% | 208 |
| Net operating income to assets | 0.6956% | 3,073 |
| Return on assets (ROA) | 0.6956% | 3,062 |
| Pretax return on assets | 0.8966% | 2,786 |
| Return on Equity (ROE) | 7.0849% | 3,010 |
| Retained earnings to average equity (ytd only) | 5.3507% | 2,459 |
| Net charge-offs to loans | 0.3213% | 198 |
| Credit loss provision to net charge-offs | 129.4434% | 904 |
| Earnings coverage of net charge-offs (x) | 5.1706% | 1,612 |
| Efficiency ratio | 69.2428% | 2,336 |
| Assets per employee ($millions) | 6.0132% | 2,797 |
| Cash dividends to net income (ytd only)* | 24.4776% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,599 |
| Loan loss allowance to noncurrent loans | 380.9609% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 1,838 |
| Noncurrent loans to loans | 0.3283% | 2,304 |
| Net loans and leases to total assets | 69.1900% | 1,097 |
| Net loans and leases to deposits | 78.0641% | 1,281 |
| Net loans and leases to core deposits | 84.1505% | 1,233 |
| Total domestic deposits to total assets | 88.6323% | 2,241 |
| Equity capital to assets | 9.7057% | 2,124 |
| Core capital (leverage) ratio | 9.3830% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9497% | 2,622 |
| Memoranda: | ||
| Average total assets | $963,172,500 | 1,016 |
| Average earning assets | $888,898,500 | 1,024 |
| Average equity | $94,567,500 | 1,030 |
| Average total loans | $693,340,000 | 886 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 459 |
| Cost of funding earning assets | 0.3305% | 2,115 |
| Net interest margin | 4.3197% | 388 |
| Noninterest income to average assets | 0.3213% | 3,485 |
| Noninterest expense to average assets | 3.3205% | 609 |
| Loan and lease loss provision to assets | 0.2148% | 481 |
| Net operating income to assets | 0.5866% | 3,903 |
| Return on assets (ROA) | 0.5884% | 3,945 |
| Pretax return on assets | 0.7516% | 3,833 |
| Return on Equity (ROE) | 6.1735% | 3,733 |
| Retained earnings to average equity (ytd only) | 4.4132% | 3,048 |
| Net charge-offs to loans | 0.1700% | 564 |
| Credit loss provision to net charge-offs | 173.2759% | 1,397 |
| Earnings coverage of net charge-offs (x) | 7.7767% | 2,332 |
| Efficiency ratio | 76.6475% | 1,057 |
| Assets per employee ($millions) | 5.4755% | 3,281 |
| Cash dividends to net income (ytd only)* | 28.5143% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 2,998 |
| Loan loss allowance to noncurrent loans | 414.3426% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 1,514 |
| Noncurrent loans to loans | 0.2835% | 2,582 |
| Net loans and leases to total assets | 73.0553% | 745 |
| Net loans and leases to deposits | 82.9405% | 989 |
| Net loans and leases to core deposits | 89.6309% | 989 |
| Total domestic deposits to total assets | 88.0816% | 2,005 |
| Equity capital to assets | 9.9322% | 2,722 |
| Core capital (leverage) ratio | 9.1705% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4428% | 2,789 |
| Memoranda: | ||
| Average total assets | $935,683,800 | 1,011 |
| Average earning assets | $858,478,400 | 1,025 |
| Average equity | $89,187,000 | 1,111 |
| Average total loans | $682,309,200 | 898 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 496 |
| Cost of funding earning assets | 0.3479% | 2,136 |
| Net interest margin | 4.3371% | 418 |
| Noninterest income to average assets | 0.3271% | 3,471 |
| Noninterest expense to average assets | 3.4519% | 491 |
| Loan and lease loss provision to assets | 0.2175% | 454 |
| Net operating income to assets | 0.4932% | 4,221 |
| Return on assets (ROA) | 0.4957% | 4,258 |
| Pretax return on assets | 0.6335% | 4,184 |
| Return on Equity (ROE) | 5.2577% | 4,073 |
| Retained earnings to average equity (ytd only) | 3.4940% | 3,745 |
| Net charge-offs to loans | 0.1567% | 535 |
| Credit loss provision to net charge-offs | 191.0579% | 1,230 |
| Earnings coverage of net charge-offs (x) | 7.4484% | 2,135 |
| Efficiency ratio | 79.3885% | 784 |
| Assets per employee ($millions) | 5.1155% | 3,582 |
| Cash dividends to net income (ytd only)* | 33.5454% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 3,153 |
| Loan loss allowance to noncurrent loans | 847.2596% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 2,040 |
| Noncurrent loans to loans | 0.1371% | 3,426 |
| Net loans and leases to total assets | 72.8588% | 787 |
| Net loans and leases to deposits | 82.2645% | 1,100 |
| Net loans and leases to core deposits | 88.4318% | 1,128 |
| Total domestic deposits to total assets | 88.5665% | 1,532 |
| Equity capital to assets | 9.3129% | 3,546 |
| Core capital (leverage) ratio | 8.5074% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7828% | 3,006 |
| Memoranda: | ||
| Average total assets | $930,050,000 | 1,026 |
| Average earning assets | $851,890,000 | 1,040 |
| Average equity | $87,690,750 | 1,139 |
| Average total loans | $675,799,000 | 927 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 516 |
| Cost of funding earning assets | 0.3625% | 2,202 |
| Net interest margin | 4.3597% | 444 |
| Noninterest income to average assets | 0.2877% | 3,703 |
| Noninterest expense to average assets | 3.4171% | 519 |
| Loan and lease loss provision to assets | 0.1952% | 570 |
| Net operating income to assets | 0.5195% | 4,179 |
| Return on assets (ROA) | 0.5232% | 4,213 |
| Pretax return on assets | 0.6698% | 4,127 |
| Return on Equity (ROE) | 5.5259% | 4,019 |
| Retained earnings to average equity (ytd only) | 3.6366% | 3,638 |
| Net charge-offs to loans | 0.1931% | 446 |
| Credit loss provision to net charge-offs | 139.8134% | 1,190 |
| Earnings coverage of net charge-offs (x) | 6.1617% | 1,971 |
| Efficiency ratio | 78.9605% | 850 |
| Assets per employee ($millions) | 3.6556% | 4,616 |
| Cash dividends to net income (ytd only)* | 34.1909% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 3,304 |
| Loan loss allowance to noncurrent loans | 596.1420% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 2,797 |
| Noncurrent loans to loans | 0.1891% | 3,287 |
| Net loans and leases to total assets | 71.5834% | 1,015 |
| Net loans and leases to deposits | 80.8200% | 1,350 |
| Net loans and leases to core deposits | 86.4987% | 1,381 |
| Total domestic deposits to total assets | 88.5714% | 1,531 |
| Equity capital to assets | 9.3185% | 3,495 |
| Core capital (leverage) ratio | 8.6010% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2240% | 2,916 |
| Memoranda: | ||
| Average total assets | $921,197,667 | 1,028 |
| Average earning assets | $842,999,667 | 1,045 |
| Average equity | $87,225,000 | 1,137 |
| Average total loans | $666,010,333 | 932 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7454% | 532 |
| Cost of funding earning assets | 0.3765% | 2,302 |
| Net interest margin | 4.3690% | 453 |
| Noninterest income to average assets | 0.3140% | 3,527 |
| Noninterest expense to average assets | 3.4575% | 498 |
| Loan and lease loss provision to assets | 0.1766% | 700 |
| Net operating income to assets | 0.5244% | 4,126 |
| Return on assets (ROA) | 0.5244% | 4,165 |
| Pretax return on assets | 0.6711% | 4,078 |
| Return on Equity (ROE) | 5.4933% | 3,993 |
| Retained earnings to average equity (ytd only) | 3.5930% | 3,611 |
| Net charge-offs to loans | 0.2414% | 351 |
| Credit loss provision to net charge-offs | 101.2626% | 1,104 |
| Earnings coverage of net charge-offs (x) | 4.8611% | 1,704 |
| Efficiency ratio | 79.3802% | 859 |
| Assets per employee ($millions) | 3.4958% | 4,692 |
| Cash dividends to net income (ytd only)* | 34.5928% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,334 |
| Loan loss allowance to noncurrent loans | 297.9275% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 2,307 |
| Noncurrent loans to loans | 0.3763% | 2,747 |
| Net loans and leases to total assets | 71.1619% | 1,134 |
| Net loans and leases to deposits | 80.5343% | 1,471 |
| Net loans and leases to core deposits | 86.8790% | 1,465 |
| Total domestic deposits to total assets | 88.3622% | 1,674 |
| Equity capital to assets | 9.4286% | 3,264 |
| Core capital (leverage) ratio | 8.7272% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5042% | 2,815 |
| Memoranda: | ||
| Average total assets | $908,393,500 | 1,026 |
| Average earning assets | $829,853,000 | 1,048 |
| Average equity | $86,723,500 | 1,132 |
| Average total loans | $656,274,500 | 938 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 235 |
| Cost of funding earning assets | 0.6122% | 2,227 |
| Net interest margin | 4.7482% | 192 |
| Noninterest income to average assets | 0.4443% | 2,894 |
| Noninterest expense to average assets | 3.8425% | 435 |
| Loan and lease loss provision to assets | 0.3535% | 976 |
| Net operating income to assets | 0.4195% | 4,208 |
| Return on assets (ROA) | 0.4504% | 4,220 |
| Pretax return on assets | 0.5809% | 4,118 |
| Return on Equity (ROE) | 4.4268% | 4,051 |
| Retained earnings to average equity (ytd only) | 1.8701% | 3,882 |
| Net charge-offs to loans | 0.2097% | 827 |
| Credit loss provision to net charge-offs | 238.0760% | 1,981 |
| Earnings coverage of net charge-offs (x) | 6.0291% | 2,816 |
| Efficiency ratio | 80.0542% | 892 |
| Assets per employee ($millions) | 3.2978% | 4,720 |
| Cash dividends to net income (ytd only)* | 57.7559% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,179 |
| Loan loss allowance to noncurrent loans | 242.0609% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 2,215 |
| Noncurrent loans to loans | 0.4778% | 2,537 |
| Net loans and leases to total assets | 71.6946% | 1,333 |
| Net loans and leases to deposits | 81.5678% | 1,699 |
| Net loans and leases to core deposits | 87.7692% | 1,715 |
| Total domestic deposits to total assets | 87.8958% | 1,528 |
| Equity capital to assets | 9.6700% | 3,443 |
| Core capital (leverage) ratio | 8.9814% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9179% | 2,662 |
| Memoranda: | ||
| Average total assets | $833,026,400 | 1,023 |
| Average earning assets | $753,246,000 | 1,042 |
| Average equity | $84,756,400 | 1,100 |
| Average total loans | $589,952,400 | 995 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4472% | 257 |
| Cost of funding earning assets | 0.6678% | 2,214 |
| Net interest margin | 4.7794% | 213 |
| Noninterest income to average assets | 0.4233% | 2,967 |
| Noninterest expense to average assets | 3.8617% | 428 |
| Loan and lease loss provision to assets | 0.4032% | 868 |
| Net operating income to assets | 0.3613% | 4,341 |
| Return on assets (ROA) | 0.4032% | 4,321 |
| Pretax return on assets | 0.5229% | 4,237 |
| Return on Equity (ROE) | 3.9105% | 4,179 |
| Retained earnings to average equity (ytd only) | 1.1356% | 4,208 |
| Net charge-offs to loans | 0.2440% | 627 |
| Credit loss provision to net charge-offs | 234.9146% | 1,985 |
| Earnings coverage of net charge-offs (x) | 5.0863% | 2,763 |
| Efficiency ratio | 80.4492% | 843 |
| Assets per employee ($millions) | 3.0669% | 4,822 |
| Cash dividends to net income (ytd only)* | 70.9612% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,024 |
| Loan loss allowance to noncurrent loans | 235.3095% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 2,303 |
| Noncurrent loans to loans | 0.4809% | 2,620 |
| Net loans and leases to total assets | 73.6099% | 1,422 |
| Net loans and leases to deposits | 84.1623% | 1,894 |
| Net loans and leases to core deposits | 86.9726% | 2,237 |
| Total domestic deposits to total assets | 87.4618% | 1,468 |
| Equity capital to assets | 9.9806% | 3,243 |
| Core capital (leverage) ratio | 9.0769% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8101% | 2,680 |
| Memoranda: | ||
| Average total assets | $818,681,250 | 1,026 |
| Average earning assets | $738,542,000 | 1,045 |
| Average equity | $84,420,000 | 1,095 |
| Average total loans | $575,979,500 | 1,007 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5479% | 310 |
| Cost of funding earning assets | 0.7336% | 2,213 |
| Net interest margin | 4.8143% | 277 |
| Noninterest income to average assets | 0.3944% | 3,121 |
| Noninterest expense to average assets | 3.8748% | 470 |
| Loan and lease loss provision to assets | 0.3545% | 1,189 |
| Net operating income to assets | 0.3870% | 4,258 |
| Return on assets (ROA) | 0.4506% | 4,190 |
| Pretax return on assets | 0.5829% | 4,094 |
| Return on Equity (ROE) | 4.3209% | 4,016 |
| Retained earnings to average equity (ytd only) | 1.1236% | 4,067 |
| Net charge-offs to loans | 0.2768% | 573 |
| Credit loss provision to net charge-offs | 185.8442% | 1,976 |
| Earnings coverage of net charge-offs (x) | 4.4922% | 2,596 |
| Efficiency ratio | 80.7445% | 836 |
| Assets per employee ($millions) | 2.9663% | 4,864 |
| Cash dividends to net income (ytd only)* | 73.9967% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 2,916 |
| Loan loss allowance to noncurrent loans | 188.0820% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 2,264 |
| Noncurrent loans to loans | 0.5965% | 2,362 |
| Net loans and leases to total assets | 66.9577% | 2,502 |
| Net loans and leases to deposits | 76.6382% | 2,793 |
| Net loans and leases to core deposits | 79.6943% | 2,977 |
| Total domestic deposits to total assets | 87.3686% | 1,464 |
| Equity capital to assets | 10.0210% | 3,184 |
| Core capital (leverage) ratio | 9.3552% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9360% | 2,206 |
| Memoranda: | ||
| Average total assets | $807,371,667 | 1,023 |
| Average earning assets | $727,379,333 | 1,037 |
| Average equity | $84,194,667 | 1,094 |
| Average total loans | $556,376,333 | 1,028 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8719% | 195 |
| Cost of funding earning assets | 0.8534% | 2,098 |
| Net interest margin | 5.0185% | 186 |
| Noninterest income to average assets | 0.4688% | 2,705 |
| Noninterest expense to average assets | 3.9693% | 525 |
| Loan and lease loss provision to assets | 0.2943% | 1,054 |
| Net operating income to assets | 0.5485% | 3,749 |
| Return on assets (ROA) | 0.5485% | 3,811 |
| Pretax return on assets | 0.7139% | 3,637 |
| Return on Equity (ROE) | 5.1517% | 3,581 |
| Retained earnings to average equity (ytd only) | 0.6910% | 3,821 |
| Net charge-offs to loans | 0.2830% | 520 |
| Credit loss provision to net charge-offs | 149.4845% | 1,587 |
| Earnings coverage of net charge-offs (x) | 5.1211% | 2,084 |
| Efficiency ratio | 79.7452% | 1,164 |
| Assets per employee ($millions) | 2.7852% | 4,872 |
| Cash dividends to net income (ytd only)* | 86.5865% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,255 |
| Loan loss allowance to noncurrent loans | 161.1803% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 2,199 |
| Noncurrent loans to loans | 0.6770% | 2,298 |
| Net loans and leases to total assets | 68.4686% | 2,476 |
| Net loans and leases to deposits | 79.0082% | 2,776 |
| Net loans and leases to core deposits | 82.4561% | 2,983 |
| Total domestic deposits to total assets | 86.6601% | 1,709 |
| Equity capital to assets | 10.6163% | 3,216 |
| Core capital (leverage) ratio | 9.4573% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3345% | 2,133 |
| Memoranda: | ||
| Average total assets | $788,356,500 | 1,017 |
| Average earning assets | $708,257,500 | 1,025 |
| Average equity | $83,933,000 | 1,100 |
| Average total loans | $548,322,000 | 1,012 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1767% | 173 |
| Cost of funding earning assets | 0.9418% | 2,003 |
| Net interest margin | 5.2349% | 177 |
| Noninterest income to average assets | 0.5596% | 2,423 |
| Noninterest expense to average assets | 4.0431% | 506 |
| Loan and lease loss provision to assets | 0.3459% | 447 |
| Net operating income to assets | 0.6904% | 3,896 |
| Return on assets (ROA) | 0.6996% | 3,930 |
| Pretax return on assets | 0.8903% | 3,767 |
| Return on Equity (ROE) | 6.6719% | 3,675 |
| Retained earnings to average equity (ytd only) | 2.8997% | 3,579 |
| Net charge-offs to loans | 0.3793% | 521 |
| Credit loss provision to net charge-offs | 135.2267% | 1,896 |
| Earnings coverage of net charge-offs (x) | 4.7872% | 3,168 |
| Efficiency ratio | 76.7547% | 1,291 |
| Assets per employee ($millions) | 2.8160% | 4,899 |
| Cash dividends to net income (ytd only)* | 56.5392% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 3,245 |
| Loan loss allowance to noncurrent loans | 154.7261% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 2,068 |
| Noncurrent loans to loans | 0.6759% | 2,193 |
| Net loans and leases to total assets | 69.1503% | 2,524 |
| Net loans and leases to deposits | 79.6980% | 2,814 |
| Net loans and leases to core deposits | 85.9818% | 2,792 |
| Total domestic deposits to total assets | 86.7653% | 1,722 |
| Equity capital to assets | 10.6769% | 3,278 |
| Core capital (leverage) ratio | 9.6109% | 3,951 |
| Tier 1 risk-based capital ratio | 12.7783% | 3,905 |
| Total risk-based capital ratio | 13.7683% | 3,942 |
| Memoranda: | ||
| Average total assets | $784,678,400 | 990 |
| Average earning assets | $705,684,400 | 1,008 |
| Average equity | $82,285,200 | 1,067 |
| Average total loans | $529,063,400 | 1,024 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1969% | 175 |
| Cost of funding earning assets | 0.9474% | 2,001 |
| Net interest margin | 5.2495% | 185 |
| Noninterest income to average assets | 0.5582% | 2,419 |
| Noninterest expense to average assets | 4.0816% | 481 |
| Loan and lease loss provision to assets | 0.3399% | 400 |
| Net operating income to assets | 0.6814% | 4,071 |
| Return on assets (ROA) | 0.6904% | 4,101 |
| Pretax return on assets | 0.8697% | 3,957 |
| Return on Equity (ROE) | 6.6135% | 3,838 |
| Retained earnings to average equity (ytd only) | 3.6669% | 3,565 |
| Net charge-offs to loans | 0.3738% | 451 |
| Credit loss provision to net charge-offs | 136.1035% | 1,763 |
| Earnings coverage of net charge-offs (x) | 4.7977% | 2,973 |
| Efficiency ratio | 77.3063% | 1,178 |
| Assets per employee ($millions) | 2.7168% | 5,004 |
| Cash dividends to net income (ytd only)* | 44.5540% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,484 |
| Loan loss allowance to noncurrent loans | 380.7089% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 3,097 |
| Noncurrent loans to loans | 0.2667% | 3,590 |
| Net loans and leases to total assets | 70.5735% | 2,391 |
| Net loans and leases to deposits | 80.3508% | 2,865 |
| Net loans and leases to core deposits | 87.5538% | 2,774 |
| Total domestic deposits to total assets | 87.8317% | 1,115 |
| Equity capital to assets | 10.8170% | 3,278 |
| Core capital (leverage) ratio | 9.5495% | 4,116 |
| Tier 1 risk-based capital ratio | 12.6582% | 4,053 |
| Total risk-based capital ratio | 13.6183% | 4,093 |
| Memoranda: | ||
| Average total assets | $783,725,500 | 992 |
| Average earning assets | $704,913,250 | 1,004 |
| Average equity | $81,810,000 | 1,062 |
| Average total loans | $523,578,000 | 1,028 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1295% | 195 |
| Cost of funding earning assets | 0.9391% | 1,969 |
| Net interest margin | 5.1905% | 202 |
| Noninterest income to average assets | 0.5395% | 2,446 |
| Noninterest expense to average assets | 4.0486% | 502 |
| Loan and lease loss provision to assets | 0.2831% | 514 |
| Net operating income to assets | 0.6844% | 4,049 |
| Return on assets (ROA) | 0.6888% | 4,096 |
| Pretax return on assets | 0.8863% | 3,884 |
| Return on Equity (ROE) | 6.6773% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.0546% | 2,259 |
| Net charge-offs to loans | 0.4208% | 397 |
| Credit loss provision to net charge-offs | 102.9548% | 1,923 |
| Earnings coverage of net charge-offs (x) | 4.2327% | 2,752 |
| Efficiency ratio | 77.6728% | 1,197 |
| Assets per employee ($millions) | 2.7351% | 5,048 |
| Cash dividends to net income (ytd only)* | 9.3255% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,713 |
| Loan loss allowance to noncurrent loans | 346.9986% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 3,129 |
| Noncurrent loans to loans | 0.2838% | 3,521 |
| Net loans and leases to total assets | 65.8509% | 3,131 |
| Net loans and leases to deposits | 74.9108% | 3,436 |
| Net loans and leases to core deposits | 80.6009% | 3,374 |
| Total domestic deposits to total assets | 87.9057% | 1,142 |
| Equity capital to assets | 10.7413% | 3,314 |
| Core capital (leverage) ratio | 9.4310% | 4,220 |
| Tier 1 risk-based capital ratio | 12.8596% | 3,911 |
| Total risk-based capital ratio | 13.7564% | 4,010 |
| Memoranda: | ||
| Average total assets | $787,779,670 | 987 |
| Average earning assets | $709,222,670 | 1,004 |
| Average equity | $81,260,000 | 1,063 |
| Average total loans | $514,736,000 | 1,047 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0473% | 210 |
| Cost of funding earning assets | 0.9172% | 1,931 |
| Net interest margin | 5.1301% | 229 |
| Noninterest income to average assets | 0.6348% | 1,886 |
| Noninterest expense to average assets | 4.1352% | 444 |
| Loan and lease loss provision to assets | 0.2022% | 789 |
| Net operating income to assets | 0.7194% | 3,875 |
| Return on assets (ROA) | 0.7246% | 3,908 |
| Pretax return on assets | 0.9293% | 3,664 |
| Return on Equity (ROE) | 7.1696% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.5409% | 2,230 |
| Net charge-offs to loans | 0.4142% | 372 |
| Credit loss provision to net charge-offs | 75.3759% | 1,813 |
| Earnings coverage of net charge-offs (x) | 4.1936% | 2,343 |
| Efficiency ratio | 78.6139% | 1,204 |
| Assets per employee ($millions) | 2.7893% | 5,074 |
| Cash dividends to net income (ytd only)* | 8.7683% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 3,872 |
| Loan loss allowance to noncurrent loans | 266.2520% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 3,040 |
| Noncurrent loans to loans | 0.3642% | 3,276 |
| Net loans and leases to total assets | 63.2444% | 3,378 |
| Net loans and leases to deposits | 71.4742% | 3,648 |
| Net loans and leases to core deposits | 79.7326% | 3,396 |
| Total domestic deposits to total assets | 88.4857% | 1,095 |
| Equity capital to assets | 10.2190% | 3,602 |
| Core capital (leverage) ratio | 9.2218% | 4,445 |
| Tier 1 risk-based capital ratio | 12.8132% | 3,973 |
| Total risk-based capital ratio | 13.6931% | 4,069 |
| Memoranda: | ||
| Average total assets | $793,280,000 | 981 |
| Average earning assets | $715,230,000 | 1,002 |
| Average equity | $80,172,000 | 1,069 |
| Average total loans | $513,802,500 | 1,047 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9214% | 187 |
| Cost of funding earning assets | 0.6936% | 2,130 |
| Net interest margin | 5.2279% | 182 |
| Noninterest income to average assets | 0.8016% | 1,443 |
| Noninterest expense to average assets | 4.5121% | 293 |
| Loan and lease loss provision to assets | 0.3767% | 383 |
| Net operating income to assets | 0.4637% | 4,740 |
| Return on assets (ROA) | 0.4769% | 4,714 |
| Pretax return on assets | 0.6398% | 4,560 |
| Return on Equity (ROE) | 4.3452% | 4,618 |
| Retained earnings to average equity (ytd only) | 3.0705% | 3,862 |
| Net charge-offs to loans | 0.5532% | 314 |
| Credit loss provision to net charge-offs | 112.0513% | 2,308 |
| Earnings coverage of net charge-offs (x) | 2.9739% | 3,471 |
| Efficiency ratio | 81.8625% | 815 |
| Assets per employee ($millions) | 2.8071% | 5,090 |
| Cash dividends to net income (ytd only)* | 29.3373% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,850 |
| Loan loss allowance to noncurrent loans | 280.9894% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 2,886 |
| Noncurrent loans to loans | 0.3460% | 3,304 |
| Net loans and leases to total assets | 65.0403% | 3,250 |
| Net loans and leases to deposits | 73.0318% | 3,584 |
| Net loans and leases to core deposits | 81.6862% | 3,286 |
| Total domestic deposits to total assets | 89.0575% | 833 |
| Equity capital to assets | 9.9933% | 3,691 |
| Core capital (leverage) ratio | 8.9601% | 4,688 |
| Tier 1 risk-based capital ratio | 12.6263% | 4,059 |
| Total risk-based capital ratio | 13.5358% | 4,132 |
| Memoranda: | ||
| Average total assets | $696,107,000 | 1,067 |
| Average earning assets | $627,177,800 | 1,078 |
| Average equity | $76,405,400 | 1,072 |
| Average total loans | $422,974,000 | 1,199 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7239% | 250 |
| Cost of funding earning assets | 0.6211% | 2,327 |
| Net interest margin | 5.1028% | 214 |
| Noninterest income to average assets | 0.7832% | 1,527 |
| Noninterest expense to average assets | 4.5188% | 288 |
| Loan and lease loss provision to assets | 0.4262% | 292 |
| Net operating income to assets | 0.3117% | 5,084 |
| Return on assets (ROA) | 0.3277% | 5,054 |
| Pretax return on assets | 0.4488% | 4,968 |
| Return on Equity (ROE) | 2.9085% | 5,016 |
| Retained earnings to average equity (ytd only) | 1.7307% | 4,663 |
| Net charge-offs to loans | 0.6039% | 245 |
| Credit loss provision to net charge-offs | 118.9922% | 1,997 |
| Earnings coverage of net charge-offs (x) | 2.3865% | 3,245 |
| Efficiency ratio | 84.0918% | 634 |
| Assets per employee ($millions) | 2.8355% | 5,140 |
| Cash dividends to net income (ytd only)* | 40.4965% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 3,919 |
| Loan loss allowance to noncurrent loans | 130.6102% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 2,182 |
| Noncurrent loans to loans | 0.7462% | 2,224 |
| Net loans and leases to total assets | 64.7807% | 3,334 |
| Net loans and leases to deposits | 72.6037% | 3,719 |
| Net loans and leases to core deposits | 81.7751% | 3,342 |
| Total domestic deposits to total assets | 89.2250% | 764 |
| Equity capital to assets | 9.6152% | 3,986 |
| Core capital (leverage) ratio | 8.7837% | 4,894 |
| Tier 1 risk-based capital ratio | 12.2783% | 4,333 |
| Total risk-based capital ratio | 13.1967% | 4,410 |
| Memoranda: | ||
| Average total assets | $672,230,750 | 1,090 |
| Average earning assets | $604,729,000 | 1,108 |
| Average equity | $75,729,750 | 1,077 |
| Average total loans | $398,737,000 | 1,263 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8516% | 182 |
| Cost of funding earning assets | 0.6001% | 2,225 |
| Net interest margin | 5.2515% | 154 |
| Noninterest income to average assets | 0.5928% | 2,361 |
| Noninterest expense to average assets | 4.4270% | 317 |
| Loan and lease loss provision to assets | 0.4329% | 269 |
| Net operating income to assets | 0.3614% | 5,035 |
| Return on assets (ROA) | 0.3877% | 4,985 |
| Pretax return on assets | 0.4777% | 4,940 |
| Return on Equity (ROE) | 3.2397% | 4,978 |
| Retained earnings to average equity (ytd only) | 1.7939% | 4,527 |
| Net charge-offs to loans | 0.6634% | 221 |
| Credit loss provision to net charge-offs | 115.0465% | 1,839 |
| Earnings coverage of net charge-offs (x) | 2.3339% | 2,984 |
| Efficiency ratio | 83.4472% | 727 |
| Assets per employee ($millions) | 2.4664% | 5,342 |
| Cash dividends to net income (ytd only)* | 44.6267% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,835 |
| Loan loss allowance to noncurrent loans | 289.0835% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 2,384 |
| Noncurrent loans to loans | 0.4752% | 3,009 |
| Net loans and leases to total assets | 56.0884% | 4,158 |
| Net loans and leases to deposits | 66.8475% | 4,114 |
| Net loans and leases to core deposits | 70.0209% | 4,142 |
| Total domestic deposits to total assets | 83.9050% | 3,105 |
| Equity capital to assets | 11.8565% | 1,954 |
| Core capital (leverage) ratio | 11.9707% | 1,730 |
| Tier 1 risk-based capital ratio | 18.4818% | 1,677 |
| Total risk-based capital ratio | 19.7035% | 1,649 |
| Memoranda: | ||
| Average total assets | $628,829,670 | 1,157 |
| Average earning assets | $564,254,330 | 1,197 |
| Average equity | $75,254,330 | 1,082 |
| Average total loans | $356,670,000 | 1,373 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7826% | 189 |
| Cost of funding earning assets | 0.5733% | 2,229 |
| Net interest margin | 5.2093% | 157 |
| Noninterest income to average assets | 0.7172% | 1,756 |
| Noninterest expense to average assets | 4.4726% | 302 |
| Loan and lease loss provision to assets | 0.4202% | 262 |
| Net operating income to assets | 0.4056% | 4,916 |
| Return on assets (ROA) | 0.4056% | 4,917 |
| Pretax return on assets | 0.4956% | 4,879 |
| Return on Equity (ROE) | 3.3730% | 4,934 |
| Retained earnings to average equity (ytd only) | 1.7688% | 4,424 |
| Net charge-offs to loans | 0.6799% | 222 |
| Credit loss provision to net charge-offs | 109.1211% | 1,461 |
| Earnings coverage of net charge-offs (x) | 2.3781% | 2,469 |
| Efficiency ratio | 83.0034% | 861 |
| Assets per employee ($millions) | 2.4789% | 5,404 |
| Cash dividends to net income (ytd only)* | 47.5591% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 2,035 |
| Loan loss allowance to noncurrent loans | 237.9990% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8566% | 1,845 |
| Noncurrent loans to loans | 0.5658% | 2,844 |
| Net loans and leases to total assets | 56.4141% | 4,090 |
| Net loans and leases to deposits | 67.2921% | 3,999 |
| Net loans and leases to core deposits | 70.5551% | 4,057 |
| Total domestic deposits to total assets | 83.8347% | 3,395 |
| Equity capital to assets | 11.9538% | 1,821 |
| Core capital (leverage) ratio | 11.9103% | 1,707 |
| Tier 1 risk-based capital ratio | 18.1378% | 1,795 |
| Total risk-based capital ratio | 19.3162% | 1,766 |
| Memoranda: | ||
| Average total assets | $626,308,000 | 1,173 |
| Average earning assets | $561,616,000 | 1,204 |
| Average equity | $75,304,000 | 1,092 |
| Average total loans | $354,764,500 | 1,381 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6232% | 222 |
| Cost of funding earning assets | 0.4893% | 2,432 |
| Net interest margin | 5.1340% | 184 |
| Noninterest income to average assets | 0.6318% | 2,294 |
| Noninterest expense to average assets | 4.3466% | 357 |
| Loan and lease loss provision to assets | 0.3224% | 521 |
| Net operating income to assets | 0.0394% | 5,318 |
| Return on assets (ROA) | 0.0550% | 5,309 |
| Pretax return on assets | 0.5941% | 4,752 |
| Return on Equity (ROE) | 0.4411% | 5,316 |
| Retained earnings to average equity (ytd only) | -1.1280% | 5,199 |
| Net charge-offs to loans | 0.6160% | 371 |
| Credit loss provision to net charge-offs | 96.0367% | 2,684 |
| Earnings coverage of net charge-offs (x) | 2.6573% | 3,723 |
| Efficiency ratio | 82.9720% | 854 |
| Assets per employee ($millions) | 2.5322% | 5,447 |
| Cash dividends to net income (ytd only)* | 355.7522% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 1,927 |
| Loan loss allowance to noncurrent loans | 214.8515% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.9615% | 1,611 |
| Noncurrent loans to loans | 0.6332% | 2,635 |
| Net loans and leases to total assets | 55.3387% | 4,247 |
| Net loans and leases to deposits | 66.8914% | 4,115 |
| Net loans and leases to core deposits | 70.9202% | 4,115 |
| Total domestic deposits to total assets | 82.7292% | 3,653 |
| Equity capital to assets | 12.0934% | 1,763 |
| Core capital (leverage) ratio | 11.8920% | 1,669 |
| Tier 1 risk-based capital ratio | 18.4142% | 1,674 |
| Total risk-based capital ratio | 19.5960% | 1,649 |
| Memoranda: | ||
| Average total assets | $616,344,800 | 1,167 |
| Average earning assets | $553,062,800 | 1,202 |
| Average equity | $76,860,600 | 1,053 |
| Average total loans | $335,868,600 | 1,425 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 235 |
| Cost of funding earning assets | 0.4599% | 2,616 |
| Net interest margin | 5.1075% | 188 |
| Noninterest income to average assets | 0.5865% | 2,559 |
| Noninterest expense to average assets | 4.2974% | 376 |
| Loan and lease loss provision to assets | 0.3179% | 483 |
| Net operating income to assets | 0.4083% | 4,982 |
| Return on assets (ROA) | 0.4327% | 4,954 |
| Pretax return on assets | 0.5882% | 4,867 |
| Return on Equity (ROE) | 3.4436% | 5,000 |
| Retained earnings to average equity (ytd only) | 1.8816% | 4,685 |
| Net charge-offs to loans | 0.6070% | 324 |
| Credit loss provision to net charge-offs | 96.8254% | 2,361 |
| Earnings coverage of net charge-offs (x) | 2.6594% | 3,438 |
| Efficiency ratio | 83.1143% | 829 |
| Assets per employee ($millions) | 2.3809% | 5,556 |
| Cash dividends to net income (ytd only)* | 45.3586% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 1,875 |
| Loan loss allowance to noncurrent loans | 245.8078% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 1,813 |
| Noncurrent loans to loans | 0.5705% | 2,989 |
| Net loans and leases to total assets | 55.0287% | 4,319 |
| Net loans and leases to deposits | 66.4547% | 4,213 |
| Net loans and leases to core deposits | 70.4591% | 4,218 |
| Total domestic deposits to total assets | 82.8063% | 3,520 |
| Equity capital to assets | 12.7437% | 1,518 |
| Core capital (leverage) ratio | 12.3170% | 1,503 |
| Tier 1 risk-based capital ratio | 19.0225% | 1,578 |
| Total risk-based capital ratio | 20.2401% | 1,550 |
| Memoranda: | ||
| Average total assets | $614,066,250 | 1,180 |
| Average earning assets | $551,124,000 | 1,211 |
| Average equity | $77,166,000 | 1,052 |
| Average total loans | $332,112,000 | 1,445 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5020% | 247 |
| Cost of funding earning assets | 0.4407% | 2,688 |
| Net interest margin | 5.0613% | 200 |
| Noninterest income to average assets | 0.6016% | 2,444 |
| Noninterest expense to average assets | 4.2583% | 394 |
| Loan and lease loss provision to assets | 0.3554% | 400 |
| Net operating income to assets | 0.3906% | 4,995 |
| Return on assets (ROA) | 0.3906% | 5,024 |
| Pretax return on assets | 0.5404% | 4,933 |
| Return on Equity (ROE) | 3.1226% | 5,080 |
| Retained earnings to average equity (ytd only) | 1.5522% | 4,626 |
| Net charge-offs to loans | 0.6343% | 311 |
| Credit loss provision to net charge-offs | 104.7025% | 1,955 |
| Earnings coverage of net charge-offs (x) | 2.6392% | 3,139 |
| Efficiency ratio | 82.6202% | 948 |
| Assets per employee ($millions) | 2.4058% | 5,592 |
| Cash dividends to net income (ytd only)* | 50.2919% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,715 |
| Loan loss allowance to noncurrent loans | 265.5658% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 1,743 |
| Noncurrent loans to loans | 0.5506% | 3,088 |
| Net loans and leases to total assets | 53.6663% | 4,426 |
| Net loans and leases to deposits | 64.8800% | 4,311 |
| Net loans and leases to core deposits | 69.5774% | 4,253 |
| Total domestic deposits to total assets | 82.7163% | 3,652 |
| Equity capital to assets | 12.6396% | 1,548 |
| Core capital (leverage) ratio | 12.2266% | 1,514 |
| Tier 1 risk-based capital ratio | 18.8839% | 1,615 |
| Total risk-based capital ratio | 20.1302% | 1,575 |
| Memoranda: | ||
| Average total assets | $613,997,670 | 1,190 |
| Average earning assets | $552,273,000 | 1,207 |
| Average equity | $76,794,330 | 1,060 |
| Average total loans | $328,538,000 | 1,460 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4348% | 258 |
| Cost of funding earning assets | 0.4284% | 2,733 |
| Net interest margin | 5.0064% | 226 |
| Noninterest income to average assets | 0.6949% | 1,994 |
| Noninterest expense to average assets | 4.3357% | 373 |
| Loan and lease loss provision to assets | 0.3360% | 364 |
| Net operating income to assets | 0.3876% | 4,978 |
| Return on assets (ROA) | 0.3876% | 5,006 |
| Pretax return on assets | 0.5370% | 4,878 |
| Return on Equity (ROE) | 3.1153% | 5,063 |
| Retained earnings to average equity (ytd only) | 1.5367% | 4,487 |
| Net charge-offs to loans | 0.6054% | 296 |
| Credit loss provision to net charge-offs | 104.6748% | 1,519 |
| Earnings coverage of net charge-offs (x) | 2.7195% | 2,559 |
| Efficiency ratio | 83.2394% | 1,040 |
| Assets per employee ($millions) | 2.4583% | 5,640 |
| Cash dividends to net income (ytd only)* | 50.6734% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 1,655 |
| Loan loss allowance to noncurrent loans | 221.2245% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0964% | 1,626 |
| Noncurrent loans to loans | 0.6836% | 2,798 |
| Net loans and leases to total assets | 51.2798% | 4,568 |
| Net loans and leases to deposits | 62.3799% | 4,412 |
| Net loans and leases to core deposits | 67.2834% | 4,333 |
| Total domestic deposits to total assets | 82.2057% | 4,106 |
| Equity capital to assets | 12.3949% | 1,599 |
| Core capital (leverage) ratio | 12.1493% | 1,537 |
| Tier 1 risk-based capital ratio | 18.9820% | 1,620 |
| Total risk-based capital ratio | 20.2345% | 1,580 |
| Memoranda: | ||
| Average total assets | $613,051,000 | 1,183 |
| Average earning assets | $552,737,500 | 1,204 |
| Average equity | $76,268,500 | 1,061 |
| Average total loans | $325,091,500 | 1,484 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6219% | 212 |
| Cost of funding earning assets | 0.4232% | 2,776 |
| Net interest margin | 5.1987% | 172 |
| Noninterest income to average assets | 0.6477% | 2,427 |
| Noninterest expense to average assets | 4.5020% | 375 |
| Loan and lease loss provision to assets | 0.5402% | 253 |
| Net operating income to assets | 0.2471% | 5,324 |
| Return on assets (ROA) | 0.3324% | 5,213 |
| Pretax return on assets | 0.4265% | 5,167 |
| Return on Equity (ROE) | 2.5470% | 5,282 |
| Retained earnings to average equity (ytd only) | 0.9880% | 4,929 |
| Net charge-offs to loans | 0.7181% | 298 |
| Credit loss provision to net charge-offs | 150.6598% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.3911% | 3,839 |
| Efficiency ratio | 84.0018% | 1,010 |
| Assets per employee ($millions) | 2.3421% | 5,723 |
| Cash dividends to net income (ytd only)* | 61.2100% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 1,743 |
| Loan loss allowance to noncurrent loans | 200.9934% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 1,505 |
| Noncurrent loans to loans | 0.7374% | 2,686 |
| Net loans and leases to total assets | 53.2096% | 4,509 |
| Net loans and leases to deposits | 64.8420% | 4,344 |
| Net loans and leases to core deposits | 70.0617% | 4,241 |
| Total domestic deposits to total assets | 82.0603% | 4,058 |
| Equity capital to assets | 12.4877% | 1,535 |
| Core capital (leverage) ratio | 12.2701% | 1,442 |
| Tier 1 risk-based capital ratio | 19.0102% | 1,598 |
| Total risk-based capital ratio | 20.2647% | 1,560 |
| Memoranda: | ||
| Average total assets | $591,783,200 | 1,185 |
| Average earning assets | $536,348,400 | 1,198 |
| Average equity | $77,228,200 | 1,031 |
| Average total loans | $295,494,400 | 1,539 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6049% | 220 |
| Cost of funding earning assets | 0.4205% | 2,836 |
| Net interest margin | 5.1844% | 177 |
| Noninterest income to average assets | 0.6652% | 2,339 |
| Noninterest expense to average assets | 4.6090% | 346 |
| Loan and lease loss provision to assets | 0.3136% | 532 |
| Net operating income to assets | 0.3260% | 5,222 |
| Return on assets (ROA) | 0.4333% | 5,011 |
| Pretax return on assets | 0.5942% | 4,890 |
| Return on Equity (ROE) | 3.2835% | 5,151 |
| Retained earnings to average equity (ytd only) | 1.7320% | 4,814 |
| Net charge-offs to loans | 0.6934% | 268 |
| Credit loss provision to net charge-offs | 92.5084% | 2,494 |
| Earnings coverage of net charge-offs (x) | 2.2448% | 3,596 |
| Efficiency ratio | 85.8307% | 837 |
| Assets per employee ($millions) | 2.2306% | 5,822 |
| Cash dividends to net income (ytd only)* | 47.2527% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,585 |
| Loan loss allowance to noncurrent loans | 161.7997% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.2763% | 1,515 |
| Noncurrent loans to loans | 0.7067% | 2,918 |
| Net loans and leases to total assets | 52.8513% | 4,584 |
| Net loans and leases to deposits | 64.1974% | 4,474 |
| Net loans and leases to core deposits | 68.5462% | 4,425 |
| Total domestic deposits to total assets | 82.3262% | 3,833 |
| Equity capital to assets | 13.0680% | 1,458 |
| Core capital (leverage) ratio | 12.3592% | 1,461 |
| Tier 1 risk-based capital ratio | 19.5889% | 1,524 |
| Total risk-based capital ratio | 20.5656% | 1,557 |
| Memoranda: | ||
| Average total assets | $588,077,750 | 1,187 |
| Average earning assets | $533,661,000 | 1,203 |
| Average equity | $77,597,500 | 1,029 |
| Average total loans | $287,461,000 | 1,581 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5392% | 236 |
| Cost of funding earning assets | 0.4137% | 2,899 |
| Net interest margin | 5.1254% | 198 |
| Noninterest income to average assets | 0.6115% | 2,559 |
| Noninterest expense to average assets | 4.5886% | 356 |
| Loan and lease loss provision to assets | 0.2407% | 819 |
| Net operating income to assets | 0.3115% | 5,290 |
| Return on assets (ROA) | 0.4088% | 5,093 |
| Pretax return on assets | 0.5667% | 4,983 |
| Return on Equity (ROE) | 3.0882% | 5,224 |
| Retained earnings to average equity (ytd only) | 1.5312% | 4,767 |
| Net charge-offs to loans | 0.6463% | 318 |
| Credit loss provision to net charge-offs | 78.7234% | 2,380 |
| Earnings coverage of net charge-offs (x) | 2.1982% | 3,314 |
| Efficiency ratio | 87.2234% | 772 |
| Assets per employee ($millions) | 2.1481% | 5,904 |
| Cash dividends to net income (ytd only)* | 50.4188% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 3,431 |
| Loan loss allowance to noncurrent loans | 137.1658% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 1.3339% | 1,502 |
| Noncurrent loans to loans | 0.8655% | 2,578 |
| Net loans and leases to total assets | 49.6958% | 4,862 |
| Net loans and leases to deposits | 60.2989% | 4,774 |
| Net loans and leases to core deposits | 63.6321% | 4,770 |
| Total domestic deposits to total assets | 82.4158% | 3,871 |
| Equity capital to assets | 12.9902% | 1,509 |
| Core capital (leverage) ratio | 12.6160% | 1,298 |
| Tier 1 risk-based capital ratio | 19.6590% | 1,530 |
| Total risk-based capital ratio | 20.6302% | 1,560 |
| Memoranda: | ||
| Average total assets | $584,095,330 | 1,203 |
| Average earning assets | $529,827,330 | 1,217 |
| Average equity | $77,326,330 | 1,030 |
| Average total loans | $276,351,670 | 1,637 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5138% | 250 |
| Cost of funding earning assets | 0.4099% | 2,965 |
| Net interest margin | 5.1039% | 203 |
| Noninterest income to average assets | 0.6006% | 2,527 |
| Noninterest expense to average assets | 4.6075% | 357 |
| Loan and lease loss provision to assets | 0.1161% | 1,808 |
| Net operating income to assets | 0.3636% | 5,099 |
| Return on assets (ROA) | 0.3636% | 5,183 |
| Pretax return on assets | 0.5075% | 5,065 |
| Return on Equity (ROE) | 2.7196% | 5,321 |
| Retained earnings to average equity (ytd only) | 1.1544% | 4,781 |
| Net charge-offs to loans | 0.8706% | 232 |
| Credit loss provision to net charge-offs | 29.1449% | 2,231 |
| Earnings coverage of net charge-offs (x) | 1.5654% | 2,803 |
| Efficiency ratio | 88.0797% | 810 |
| Assets per employee ($millions) | 2.0694% | 5,981 |
| Cash dividends to net income (ytd only)* | 57.5526% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 3,101 |
| Loan loss allowance to noncurrent loans | 102.9905% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.5006% | 1,359 |
| Noncurrent loans to loans | 1.2257% | 1,971 |
| Net loans and leases to total assets | 45.8855% | 5,125 |
| Net loans and leases to deposits | 54.3580% | 5,080 |
| Net loans and leases to core deposits | 57.4639% | 5,073 |
| Total domestic deposits to total assets | 84.4135% | 3,348 |
| Equity capital to assets | 13.4429% | 1,199 |
| Core capital (leverage) ratio | 12.7604% | 1,250 |
| Tier 1 risk-based capital ratio | 21.6576% | 1,210 |
| Total risk-based capital ratio | 22.6735% | 1,222 |
| Memoranda: | ||
| Average total assets | $575,412,500 | 1,218 |
| Average earning assets | $522,032,000 | 1,237 |
| Average equity | $76,924,000 | 1,038 |
| Average total loans | $263,281,500 | 1,702 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8493% | 160 |
| Cost of funding earning assets | 0.4479% | 2,643 |
| Net interest margin | 5.4014% | 145 |
| Noninterest income to average assets | 0.5658% | 2,924 |
| Noninterest expense to average assets | 4.6644% | 362 |
| Loan and lease loss provision to assets | 0.0383% | 3,573 |
| Net operating income to assets | 0.5399% | 4,539 |
| Return on assets (ROA) | 0.5851% | 4,448 |
| Pretax return on assets | 0.8187% | 4,129 |
| Return on Equity (ROE) | 4.3313% | 4,808 |
| Retained earnings to average equity (ytd only) | 2.4254% | 4,339 |
| Net charge-offs to loans | 1.0316% | 193 |
| Credit loss provision to net charge-offs | 8.2981% | 3,836 |
| Earnings coverage of net charge-offs (x) | 1.7199% | 4,040 |
| Efficiency ratio | 85.4643% | 1,047 |
| Assets per employee ($millions) | 2.0703% | 6,039 |
| Cash dividends to net income (ytd only)* | 44.0036% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 2,186 |
| Loan loss allowance to noncurrent loans | 121.8891% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.5881% | 1,247 |
| Noncurrent loans to loans | 1.1967% | 1,970 |
| Net loans and leases to total assets | 44.3817% | 5,258 |
| Net loans and leases to deposits | 53.2807% | 5,199 |
| Net loans and leases to core deposits | 56.3647% | 5,184 |
| Total domestic deposits to total assets | 83.2979% | 3,743 |
| Equity capital to assets | 13.2941% | 1,216 |
| Core capital (leverage) ratio | 13.0165% | 1,145 |
| Tier 1 risk-based capital ratio | 22.1861% | 1,122 |
| Total risk-based capital ratio | 23.3530% | 1,107 |
| Memoranda: | ||
| Average total assets | $564,343,400 | 1,212 |
| Average earning assets | $511,105,600 | 1,221 |
| Average equity | $76,235,600 | 998 |
| Average total loans | $252,315,400 | 1,715 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8752% | 158 |
| Cost of funding earning assets | 0.4567% | 2,623 |
| Net interest margin | 5.4185% | 142 |
| Noninterest income to average assets | 0.5530% | 3,035 |
| Noninterest expense to average assets | 4.6701% | 372 |
| Loan and lease loss provision to assets | -0.0472% | 5,908 |
| Net operating income to assets | 0.5828% | 4,465 |
| Return on assets (ROA) | 0.6425% | 4,280 |
| Pretax return on assets | 0.9170% | 3,925 |
| Return on Equity (ROE) | 4.7369% | 4,740 |
| Retained earnings to average equity (ytd only) | 2.7203% | 4,481 |
| Net charge-offs to loans | 0.8641% | 225 |
| Credit loss provision to net charge-offs | -12.2537% | 4,859 |
| Earnings coverage of net charge-offs (x) | 2.0345% | 3,742 |
| Efficiency ratio | 85.6179% | 1,032 |
| Assets per employee ($millions) | 1.9794% | 6,140 |
| Cash dividends to net income (ytd only)* | 42.5720% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 1,277 |
| Loan loss allowance to noncurrent loans | 102.9133% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.9839% | 1,039 |
| Noncurrent loans to loans | 1.7442% | 1,372 |
| Net loans and leases to total assets | 43.3544% | 5,398 |
| Net loans and leases to deposits | 51.3027% | 5,404 |
| Net loans and leases to core deposits | 53.9998% | 5,402 |
| Total domestic deposits to total assets | 84.5072% | 3,220 |
| Equity capital to assets | 13.9528% | 1,042 |
| Core capital (leverage) ratio | 13.0165% | 1,199 |
| Tier 1 risk-based capital ratio | 23.7556% | 972 |
| Total risk-based capital ratio | 25.0171% | 957 |
| Memoranda: | ||
| Average total assets | $561,545,750 | 1,223 |
| Average earning assets | $507,978,000 | 1,239 |
| Average equity | $76,166,500 | 1,004 |
| Average total loans | $250,591,000 | 1,732 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8806% | 151 |
| Cost of funding earning assets | 0.4605% | 2,608 |
| Net interest margin | 5.4201% | 136 |
| Noninterest income to average assets | 0.5287% | 3,179 |
| Noninterest expense to average assets | 4.5798% | 391 |
| Loan and lease loss provision to assets | -0.0428% | 6,017 |
| Net operating income to assets | 0.6240% | 4,243 |
| Return on assets (ROA) | 0.7128% | 3,950 |
| Pretax return on assets | 1.0220% | 3,489 |
| Return on Equity (ROE) | 5.3041% | 4,483 |
| Retained earnings to average equity (ytd only) | 2.9085% | 4,187 |
| Net charge-offs to loans | 0.8199% | 257 |
| Credit loss provision to net charge-offs | -11.6458% | 4,696 |
| Earnings coverage of net charge-offs (x) | 2.3215% | 3,362 |
| Efficiency ratio | 84.3091% | 1,230 |
| Assets per employee ($millions) | 1.9527% | 6,223 |
| Cash dividends to net income (ytd only)* | 45.1661% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0032% | 982 |
| Loan loss allowance to noncurrent loans | 131.1682% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.9603% | 1,133 |
| Noncurrent loans to loans | 1.5272% | 1,736 |
| Net loans and leases to total assets | 43.7164% | 5,396 |
| Net loans and leases to deposits | 51.9921% | 5,382 |
| Net loans and leases to core deposits | 54.5553% | 5,390 |
| Total domestic deposits to total assets | 84.0827% | 3,535 |
| Equity capital to assets | 13.5699% | 1,142 |
| Core capital (leverage) ratio | 12.9260% | 1,196 |
| Tier 1 risk-based capital ratio | 23.5314% | 1,000 |
| Total risk-based capital ratio | 24.7861% | 989 |
| Memoranda: | ||
| Average total assets | $565,959,000 | 1,218 |
| Average earning assets | $512,023,000 | 1,236 |
| Average equity | $76,054,000 | 1,010 |
| Average total loans | $253,434,670 | 1,721 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6913% | 195 |
| Cost of funding earning assets | 0.4773% | 2,479 |
| Net interest margin | 5.2140% | 172 |
| Noninterest income to average assets | 0.5838% | 2,744 |
| Noninterest expense to average assets | 4.5610% | 412 |
| Loan and lease loss provision to assets | -0.1168% | 6,217 |
| Net operating income to assets | 0.5956% | 4,309 |
| Return on assets (ROA) | 0.7300% | 3,780 |
| Pretax return on assets | 1.0515% | 3,294 |
| Return on Equity (ROE) | 5.4591% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.5597% | 3,292 |
| Net charge-offs to loans | 0.9422% | 255 |
| Credit loss provision to net charge-offs | -27.6206% | 4,357 |
| Earnings coverage of net charge-offs (x) | 1.7504% | 2,872 |
| Efficiency ratio | 86.0422% | 1,181 |
| Assets per employee ($millions) | 1.9344% | 6,290 |
| Cash dividends to net income (ytd only)* | 16.4740% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2079% | 799 |
| Loan loss allowance to noncurrent loans | 127.7738% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 2.2723% | 996 |
| Noncurrent loans to loans | 1.7280% | 1,583 |
| Net loans and leases to total assets | 42.3505% | 5,459 |
| Net loans and leases to deposits | 50.3270% | 5,437 |
| Net loans and leases to core deposits | 52.7783% | 5,441 |
| Total domestic deposits to total assets | 84.1506% | 3,758 |
| Equity capital to assets | 13.5301% | 1,158 |
| Core capital (leverage) ratio | 12.6982% | 1,276 |
| Tier 1 risk-based capital ratio | 24.0878% | 986 |
| Total risk-based capital ratio | 25.3444% | 968 |
| Memoranda: | ||
| Average total assets | $568,731,000 | 1,214 |
| Average earning assets | $514,537,000 | 1,237 |
| Average equity | $76,057,000 | 1,009 |
| Average total loans | $255,151,500 | 1,707 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1249% | 133 |
| Cost of funding earning assets | 0.4986% | 2,693 |
| Net interest margin | 5.6263% | 110 |
| Noninterest income to average assets | 0.7259% | 2,184 |
| Noninterest expense to average assets | 4.7979% | 362 |
| Loan and lease loss provision to assets | -0.0130% | 5,923 |
| Net operating income to assets | 0.6765% | 4,004 |
| Return on assets (ROA) | 0.6875% | 4,072 |
| Pretax return on assets | 1.0082% | 3,460 |
| Return on Equity (ROE) | 5.3531% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.8330% | 2,735 |
| Net charge-offs to loans | 1.1156% | 253 |
| Credit loss provision to net charge-offs | -2.3462% | 5,293 |
| Earnings coverage of net charge-offs (x) | 1.7705% | 4,336 |
| Efficiency ratio | 83.0516% | 1,513 |
| Assets per employee ($millions) | 2.0378% | 6,363 |
| Cash dividends to net income (ytd only)* | 9.7169% | 4,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3216% | 701 |
| Loan loss allowance to noncurrent loans | 93.8242% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.4989% | 925 |
| Noncurrent loans to loans | 2.4744% | 1,034 |
| Net loans and leases to total assets | 45.3217% | 5,383 |
| Net loans and leases to deposits | 53.6497% | 5,359 |
| Net loans and leases to core deposits | 56.4222% | 5,355 |
| Total domestic deposits to total assets | 84.4770% | 3,518 |
| Equity capital to assets | 13.2183% | 1,265 |
| Core capital (leverage) ratio | 11.8511% | 1,734 |
| Tier 1 risk-based capital ratio | 21.5183% | 1,310 |
| Total risk-based capital ratio | 22.7776% | 1,279 |
| Memoranda: | ||
| Average total assets | $570,311,800 | 1,160 |
| Average earning assets | $512,006,200 | 1,196 |
| Average equity | $73,246,600 | 997 |
| Average total loans | $282,727,000 | 1,505 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1832% | 127 |
| Cost of funding earning assets | 0.5007% | 2,755 |
| Net interest margin | 5.6825% | 106 |
| Noninterest income to average assets | 0.7599% | 2,049 |
| Noninterest expense to average assets | 4.8145% | 357 |
| Loan and lease loss provision to assets | 0.0222% | 3,964 |
| Net operating income to assets | 0.7174% | 3,852 |
| Return on assets (ROA) | 0.7327% | 3,873 |
| Pretax return on assets | 1.0362% | 3,444 |
| Return on Equity (ROE) | 5.7472% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.2700% | 2,906 |
| Net charge-offs to loans | 0.9640% | 323 |
| Credit loss provision to net charge-offs | 4.5783% | 3,761 |
| Earnings coverage of net charge-offs (x) | 2.1354% | 3,986 |
| Efficiency ratio | 82.2788% | 1,580 |
| Assets per employee ($millions) | 2.0170% | 6,443 |
| Cash dividends to net income (ytd only)* | 8.3041% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7206% | 481 |
| Loan loss allowance to noncurrent loans | 116.3842% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 2.9646% | 801 |
| Noncurrent loans to loans | 2.3376% | 1,273 |
| Net loans and leases to total assets | 47.1211% | 5,282 |
| Net loans and leases to deposits | 55.8707% | 5,250 |
| Net loans and leases to core deposits | 58.9184% | 5,274 |
| Total domestic deposits to total assets | 84.3397% | 3,621 |
| Equity capital to assets | 13.2118% | 1,327 |
| Core capital (leverage) ratio | 11.5848% | 1,992 |
| Tier 1 risk-based capital ratio | 20.6929% | 1,512 |
| Total risk-based capital ratio | 21.9567% | 1,479 |
| Memoranda: | ||
| Average total assets | $569,737,500 | 1,167 |
| Average earning assets | $510,490,000 | 1,211 |
| Average equity | $72,636,000 | 1,004 |
| Average total loans | $286,987,750 | 1,500 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1556% | 127 |
| Cost of funding earning assets | 0.4951% | 2,881 |
| Net interest margin | 5.6604% | 108 |
| Noninterest income to average assets | 0.7670% | 1,974 |
| Noninterest expense to average assets | 4.7281% | 377 |
| Loan and lease loss provision to assets | 0.0524% | 3,250 |
| Net operating income to assets | 0.7582% | 3,526 |
| Return on assets (ROA) | 0.7814% | 3,521 |
| Pretax return on assets | 1.0904% | 3,133 |
| Return on Equity (ROE) | 6.2027% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.6477% | 2,548 |
| Net charge-offs to loans | 1.2845% | 236 |
| Credit loss provision to net charge-offs | 8.0043% | 3,324 |
| Earnings coverage of net charge-offs (x) | 1.6953% | 3,737 |
| Efficiency ratio | 80.9772% | 1,882 |
| Assets per employee ($millions) | 2.0166% | 6,502 |
| Cash dividends to net income (ytd only)* | 8.9485% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7424% | 504 |
| Loan loss allowance to noncurrent loans | 122.0102% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 2.9079% | 888 |
| Noncurrent loans to loans | 2.2477% | 1,452 |
| Net loans and leases to total assets | 47.6765% | 5,197 |
| Net loans and leases to deposits | 56.2892% | 5,171 |
| Net loans and leases to core deposits | 59.6175% | 5,151 |
| Total domestic deposits to total assets | 84.6993% | 3,641 |
| Equity capital to assets | 12.9205% | 1,414 |
| Core capital (leverage) ratio | 11.3720% | 2,101 |
| Tier 1 risk-based capital ratio | 20.2276% | 1,633 |
| Total risk-based capital ratio | 21.4923% | 1,600 |
| Memoranda: | ||
| Average total assets | $572,069,670 | 1,155 |
| Average earning assets | $512,575,330 | 1,197 |
| Average equity | $72,065,330 | 1,009 |
| Average total loans | $291,788,330 | 1,467 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1264% | 122 |
| Cost of funding earning assets | 0.5036% | 2,868 |
| Net interest margin | 5.6228% | 113 |
| Noninterest income to average assets | 0.6963% | 2,191 |
| Noninterest expense to average assets | 4.6770% | 394 |
| Loan and lease loss provision to assets | 0.2891% | 685 |
| Net operating income to assets | 0.5812% | 4,291 |
| Return on assets (ROA) | 0.6306% | 4,131 |
| Pretax return on assets | 0.8234% | 4,010 |
| Return on Equity (ROE) | 5.0709% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.7901% | 3,240 |
| Net charge-offs to loans | 1.6709% | 181 |
| Credit loss provision to net charge-offs | 33.2797% | 2,366 |
| Earnings coverage of net charge-offs (x) | 1.2066% | 3,147 |
| Efficiency ratio | 81.6907% | 1,964 |
| Assets per employee ($millions) | 1.9990% | 6,578 |
| Cash dividends to net income (ytd only)* | 5.5371% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0026% | 434 |
| Loan loss allowance to noncurrent loans | 95.7630% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 3.3574% | 785 |
| Noncurrent loans to loans | 3.1355% | 995 |
| Net loans and leases to total assets | 48.0648% | 5,119 |
| Net loans and leases to deposits | 56.4447% | 5,080 |
| Net loans and leases to core deposits | 60.0632% | 5,029 |
| Total domestic deposits to total assets | 85.1538% | 3,797 |
| Equity capital to assets | 12.4871% | 1,582 |
| Core capital (leverage) ratio | 10.9949% | 2,395 |
| Tier 1 risk-based capital ratio | 19.5532% | 1,822 |
| Total risk-based capital ratio | 20.8211% | 1,792 |
| Memoranda: | ||
| Average total assets | $572,758,500 | 1,161 |
| Average earning assets | $512,272,500 | 1,200 |
| Average equity | $71,230,000 | 1,020 |
| Average total loans | $297,803,500 | 1,452 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7212% | 80 |
| Cost of funding earning assets | 0.5805% | 2,833 |
| Net interest margin | 6.1407% | 72 |
| Noninterest income to average assets | 0.3459% | 4,847 |
| Noninterest expense to average assets | 4.8909% | 380 |
| Loan and lease loss provision to assets | -0.1139% | 6,505 |
| Net operating income to assets | 0.7552% | 3,517 |
| Return on assets (ROA) | 0.7552% | 3,612 |
| Pretax return on assets | 1.0230% | 3,252 |
| Return on Equity (ROE) | 6.1018% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.8150% | 2,087 |
| Net charge-offs to loans | 2.8128% | 91 |
| Credit loss provision to net charge-offs | -6.9481% | 5,675 |
| Earnings coverage of net charge-offs (x) | 0.5543% | 4,896 |
| Efficiency ratio | 84.3268% | 1,591 |
| Assets per employee ($millions) | 1.9854% | 6,645 |
| Cash dividends to net income (ytd only)* | 4.7004% | 4,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0278% | 454 |
| Loan loss allowance to noncurrent loans | 76.8526% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 3.7796% | 729 |
| Noncurrent loans to loans | 3.9398% | 743 |
| Net loans and leases to total assets | 52.8128% | 4,747 |
| Net loans and leases to deposits | 62.1300% | 4,708 |
| Net loans and leases to core deposits | 66.6590% | 4,639 |
| Total domestic deposits to total assets | 85.0037% | 3,750 |
| Equity capital to assets | 12.3850% | 1,574 |
| Core capital (leverage) ratio | 10.9672% | 2,421 |
| Tier 1 risk-based capital ratio | 18.0715% | 2,226 |
| Total risk-based capital ratio | 19.3405% | 2,183 |
| Memoranda: | ||
| Average total assets | $563,456,200 | 1,173 |
| Average earning assets | $500,444,000 | 1,216 |
| Average equity | $69,733,000 | 1,028 |
| Average total loans | $328,500,800 | 1,298 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7690% | 75 |
| Cost of funding earning assets | 0.5962% | 2,844 |
| Net interest margin | 6.1728% | 67 |
| Noninterest income to average assets | 0.5733% | 3,307 |
| Noninterest expense to average assets | 4.8055% | 393 |
| Loan and lease loss provision to assets | 0.1896% | 1,936 |
| Net operating income to assets | 0.7660% | 3,528 |
| Return on assets (ROA) | 0.7660% | 3,658 |
| Pretax return on assets | 1.0522% | 3,290 |
| Return on Equity (ROE) | 6.1905% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.9029% | 2,478 |
| Net charge-offs to loans | 4.3216% | 34 |
| Credit loss provision to net charge-offs | 7.4016% | 4,251 |
| Earnings coverage of net charge-offs (x) | 0.4848% | 4,702 |
| Efficiency ratio | 79.4655% | 2,187 |
| Assets per employee ($millions) | 1.9649% | 6,714 |
| Cash dividends to net income (ytd only)* | 4.6470% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9555% | 575 |
| Loan loss allowance to noncurrent loans | 63.5579% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 4.6384% | 633 |
| Noncurrent loans to loans | 4.6501% | 682 |
| Net loans and leases to total assets | 54.4244% | 4,539 |
| Net loans and leases to deposits | 64.0192% | 4,521 |
| Net loans and leases to core deposits | 68.9562% | 4,437 |
| Total domestic deposits to total assets | 85.0127% | 3,744 |
| Equity capital to assets | 12.4750% | 1,590 |
| Core capital (leverage) ratio | 11.7022% | 1,887 |
| Tier 1 risk-based capital ratio | 18.8346% | 2,037 |
| Total risk-based capital ratio | 20.1024% | 1,996 |
| Memoranda: | ||
| Average total assets | $561,870,000 | 1,191 |
| Average earning assets | $498,261,250 | 1,230 |
| Average equity | $69,523,750 | 1,037 |
| Average total loans | $333,045,000 | 1,283 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8336% | 69 |
| Cost of funding earning assets | 0.6128% | 2,819 |
| Net interest margin | 6.2208% | 65 |
| Noninterest income to average assets | 0.5557% | 3,464 |
| Noninterest expense to average assets | 4.7702% | 422 |
| Loan and lease loss provision to assets | 0.1988% | 1,911 |
| Net operating income to assets | 0.7936% | 3,328 |
| Return on assets (ROA) | 0.7936% | 3,488 |
| Pretax return on assets | 1.0980% | 3,100 |
| Return on Equity (ROE) | 6.4312% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.2871% | 2,271 |
| Net charge-offs to loans | 4.8342% | 36 |
| Credit loss provision to net charge-offs | 6.8146% | 3,935 |
| Earnings coverage of net charge-offs (x) | 0.4446% | 4,391 |
| Efficiency ratio | 78.6263% | 2,364 |
| Assets per employee ($millions) | 1.9567% | 6,765 |
| Cash dividends to net income (ytd only)* | 2.2401% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5947% | 344 |
| Loan loss allowance to noncurrent loans | 70.4195% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 5.2002% | 576 |
| Noncurrent loans to loans | 5.1047% | 620 |
| Net loans and leases to total assets | 56.1462% | 4,261 |
| Net loans and leases to deposits | 65.2562% | 4,349 |
| Net loans and leases to core deposits | 70.3811% | 4,227 |
| Total domestic deposits to total assets | 86.0397% | 3,344 |
| Equity capital to assets | 12.5251% | 1,563 |
| Core capital (leverage) ratio | 11.4200% | 2,007 |
| Tier 1 risk-based capital ratio | 17.9133% | 2,341 |
| Total risk-based capital ratio | 19.1885% | 2,305 |
| Memoranda: | ||
| Average total assets | $562,492,670 | 1,192 |
| Average earning assets | $498,328,330 | 1,231 |
| Average equity | $69,411,670 | 1,043 |
| Average total loans | $339,373,330 | 1,250 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8622% | 70 |
| Cost of funding earning assets | 0.6300% | 2,846 |
| Net interest margin | 6.2322% | 63 |
| Noninterest income to average assets | 0.5966% | 3,160 |
| Noninterest expense to average assets | 4.8314% | 413 |
| Loan and lease loss provision to assets | 0.3577% | 904 |
| Net operating income to assets | 0.6814% | 3,776 |
| Return on assets (ROA) | 0.6814% | 3,928 |
| Pretax return on assets | 0.9246% | 3,672 |
| Return on Equity (ROE) | 5.5629% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.2744% | 3,067 |
| Net charge-offs to loans | 3.4455% | 92 |
| Credit loss provision to net charge-offs | 16.9174% | 3,085 |
| Earnings coverage of net charge-offs (x) | 0.6065% | 3,618 |
| Efficiency ratio | 79.0265% | 2,464 |
| Assets per employee ($millions) | 1.9812% | 6,844 |
| Cash dividends to net income (ytd only)* | 5.1867% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9713% | 140 |
| Loan loss allowance to noncurrent loans | 73.0798% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 6.2626% | 500 |
| Noncurrent loans to loans | 6.8025% | 443 |
| Net loans and leases to total assets | 56.8517% | 3,952 |
| Net loans and leases to deposits | 65.9337% | 4,063 |
| Net loans and leases to core deposits | 71.3998% | 3,898 |
| Total domestic deposits to total assets | 86.2255% | 3,400 |
| Equity capital to assets | 12.3100% | 1,832 |
| Core capital (leverage) ratio | 10.7433% | 2,504 |
| Tier 1 risk-based capital ratio | 16.8936% | 2,805 |
| Total risk-based capital ratio | 18.1866% | 2,755 |
| Memoranda: | ||
| Average total assets | $565,886,000 | 1,200 |
| Average earning assets | $500,950,000 | 1,237 |
| Average equity | $69,316,000 | 1,050 |
| Average total loans | $347,239,000 | 1,222 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3509% | 62 |
| Cost of funding earning assets | 0.8642% | 2,187 |
| Net interest margin | 6.4867% | 64 |
| Noninterest income to average assets | 0.0681% | 6,627 |
| Noninterest expense to average assets | 4.4999% | 580 |
| Loan and lease loss provision to assets | 0.7245% | 701 |
| Net operating income to assets | 0.4304% | 4,964 |
| Return on assets (ROA) | 0.4305% | 5,209 |
| Pretax return on assets | 0.5549% | 5,121 |
| Return on Equity (ROE) | 3.8335% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.8335% | 3,503 |
| Net charge-offs to loans | 1.9416% | 382 |
| Credit loss provision to net charge-offs | 59.2057% | 4,470 |
| Earnings coverage of net charge-offs (x) | 1.0454% | 4,945 |
| Efficiency ratio | 77.8645% | 2,467 |
| Assets per employee ($millions) | 1.9489% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4049% | 102 |
| Loan loss allowance to noncurrent loans | 76.5334% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 6.7841% | 465 |
| Noncurrent loans to loans | 7.0621% | 451 |
| Net loans and leases to total assets | 59.4922% | 3,685 |
| Net loans and leases to deposits | 68.9815% | 3,839 |
| Net loans and leases to core deposits | 75.1665% | 3,637 |
| Total domestic deposits to total assets | 86.2438% | 3,231 |
| Equity capital to assets | 12.1885% | 1,917 |
| Core capital (leverage) ratio | 10.5953% | 2,661 |
| Tier 1 risk-based capital ratio | 15.8766% | 3,229 |
| Total risk-based capital ratio | 17.1747% | 3,166 |
| Memoranda: | ||
| Average total assets | $598,794,600 | 1,111 |
| Average earning assets | $527,187,000 | 1,142 |
| Average equity | $67,249,600 | 1,044 |
| Average total loans | $377,366,800 | 1,107 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2560% | 70 |
| Cost of funding earning assets | 0.9150% | 2,071 |
| Net interest margin | 6.3409% | 70 |
| Noninterest income to average assets | -0.0877% | 7,018 |
| Noninterest expense to average assets | 4.4207% | 589 |
| Loan and lease loss provision to assets | 0.6977% | 729 |
| Net operating income to assets | 0.3452% | 5,449 |
| Return on assets (ROA) | 0.3452% | 5,655 |
| Pretax return on assets | 0.3797% | 5,765 |
| Return on Equity (ROE) | 3.1365% | 5,633 |
| Retained earnings to average equity (ytd only) | 3.1365% | 4,667 |
| Net charge-offs to loans | 1.9365% | 386 |
| Credit loss provision to net charge-offs | 57.1454% | 4,230 |
| Earnings coverage of net charge-offs (x) | 0.8825% | 4,890 |
| Efficiency ratio | 80.4029% | 2,034 |
| Assets per employee ($millions) | 2.0011% | 6,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4539% | 106 |
| Loan loss allowance to noncurrent loans | 59.0720% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 8.0901% | 379 |
| Noncurrent loans to loans | 9.2327% | 292 |
| Net loans and leases to total assets | 58.9971% | 3,961 |
| Net loans and leases to deposits | 68.0222% | 4,174 |
| Net loans and leases to core deposits | 74.4879% | 3,913 |
| Total domestic deposits to total assets | 86.7321% | 2,836 |
| Equity capital to assets | 11.7143% | 2,521 |
| Core capital (leverage) ratio | 10.1697% | 3,320 |
| Tier 1 risk-based capital ratio | 15.5520% | 3,503 |
| Total risk-based capital ratio | 16.8507% | 3,448 |
| Memoranda: | ||
| Average total assets | $606,710,000 | 1,102 |
| Average earning assets | $534,460,000 | 1,145 |
| Average equity | $66,780,750 | 1,056 |
| Average total loans | $382,539,000 | 1,105 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3119% | 70 |
| Cost of funding earning assets | 0.9759% | 1,901 |
| Net interest margin | 6.3360% | 72 |
| Noninterest income to average assets | -0.2726% | 7,149 |
| Noninterest expense to average assets | 4.4476% | 579 |
| Loan and lease loss provision to assets | 0.8737% | 549 |
| Net operating income to assets | 0.0987% | 6,164 |
| Return on assets (ROA) | 0.0987% | 6,314 |
| Pretax return on assets | -0.0186% | 6,467 |
| Return on Equity (ROE) | 0.9151% | 6,315 |
| Retained earnings to average equity (ytd only) | 0.9151% | 5,707 |
| Net charge-offs to loans | 2.4689% | 288 |
| Credit loss provision to net charge-offs | 55.9425% | 3,905 |
| Earnings coverage of net charge-offs (x) | 0.5475% | 4,796 |
| Efficiency ratio | 83.8737% | 1,650 |
| Assets per employee ($millions) | 2.0660% | 7,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3663% | 121 |
| Loan loss allowance to noncurrent loans | 104.9961% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 5.6690% | 773 |
| Noncurrent loans to loans | 5.1110% | 946 |
| Net loans and leases to total assets | 58.9126% | 4,006 |
| Net loans and leases to deposits | 67.3824% | 4,303 |
| Net loans and leases to core deposits | 75.1248% | 3,866 |
| Total domestic deposits to total assets | 87.4303% | 2,517 |
| Equity capital to assets | 11.1155% | 2,999 |
| Core capital (leverage) ratio | 9.8161% | 3,695 |
| Tier 1 risk-based capital ratio | 15.1033% | 3,706 |
| Total risk-based capital ratio | 16.4018% | 3,633 |
| Memoranda: | ||
| Average total assets | $614,172,670 | 1,085 |
| Average earning assets | $540,436,330 | 1,136 |
| Average equity | $66,224,670 | 1,060 |
| Average total loans | $388,512,330 | 1,089 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3444% | 76 |
| Cost of funding earning assets | 1.0711% | 1,543 |
| Net interest margin | 6.2733% | 82 |
| Noninterest income to average assets | -1.1743% | 7,288 |
| Noninterest expense to average assets | 4.2865% | 678 |
| Loan and lease loss provision to assets | 1.4299% | 248 |
| Net operating income to assets | -0.7366% | 6,930 |
| Return on assets (ROA) | -0.7366% | 6,950 |
| Pretax return on assets | -1.3705% | 7,061 |
| Return on Equity (ROE) | -6.9353% | 6,919 |
| Retained earnings to average equity (ytd only) | -6.9353% | 6,716 |
| Net charge-offs to loans | 3.7581% | 161 |
| Credit loss provision to net charge-offs | 59.6874% | 3,123 |
| Earnings coverage of net charge-offs (x) | 0.0248% | 4,354 |
| Efficiency ratio | 98.6334% | 605 |
| Assets per employee ($millions) | 2.0310% | 7,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3725% | 126 |
| Loan loss allowance to noncurrent loans | 104.8193% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 5.5795% | 873 |
| Noncurrent loans to loans | 5.1254% | 1,082 |
| Net loans and leases to total assets | 59.2542% | 3,815 |
| Net loans and leases to deposits | 68.5247% | 3,968 |
| Net loans and leases to core deposits | 76.4572% | 3,563 |
| Total domestic deposits to total assets | 86.4713% | 3,263 |
| Equity capital to assets | 10.5605% | 3,418 |
| Core capital (leverage) ratio | 9.2899% | 4,381 |
| Tier 1 risk-based capital ratio | 14.1704% | 4,341 |
| Total risk-based capital ratio | 15.4690% | 4,276 |
| Memoranda: | ||
| Average total assets | $619,616,500 | 1,073 |
| Average earning assets | $545,234,500 | 1,117 |
| Average equity | $65,808,000 | 1,067 |
| Average total loans | $394,986,000 | 1,069 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7601% | 58 |
| Cost of funding earning assets | 1.2864% | 1,544 |
| Net interest margin | 6.4737% | 68 |
| Noninterest income to average assets | -0.3402% | 7,221 |
| Noninterest expense to average assets | 4.8439% | 440 |
| Loan and lease loss provision to assets | 2.9847% | 123 |
| Net operating income to assets | -1.4745% | 6,901 |
| Return on assets (ROA) | -1.2233% | 6,854 |
| Pretax return on assets | -2.1691% | 7,060 |
| Return on Equity (ROE) | -10.3995% | 6,750 |
| Retained earnings to average equity (ytd only) | -10.9271% | 6,727 |
| Net charge-offs to loans | 4.3170% | 123 |
| Credit loss provision to net charge-offs | 107.6183% | 3,140 |
| Earnings coverage of net charge-offs (x) | 0.1526% | 5,724 |
| Efficiency ratio | 82.5889% | 1,941 |
| Assets per employee ($millions) | 2.0189% | 7,155 |
| Cash dividends to net income (ytd only)* | -5.0740% | 7,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5205% | 131 |
| Loan loss allowance to noncurrent loans | 118.2277% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 5.7265% | 882 |
| Noncurrent loans to loans | 4.6694% | 1,264 |
| Net loans and leases to total assets | 61.2864% | 3,730 |
| Net loans and leases to deposits | 72.2622% | 3,762 |
| Net loans and leases to core deposits | 81.3200% | 3,275 |
| Total domestic deposits to total assets | 84.8111% | 3,950 |
| Equity capital to assets | 10.6806% | 3,324 |
| Core capital (leverage) ratio | 9.2443% | 4,399 |
| Tier 1 risk-based capital ratio | 13.8005% | 4,479 |
| Total risk-based capital ratio | 15.1006% | 4,398 |
| Memoranda: | ||
| Average total assets | $629,947,200 | 1,029 |
| Average earning assets | $545,639,800 | 1,093 |
| Average equity | $74,100,000 | 909 |
| Average total loans | $404,704,400 | 1,053 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7652% | 58 |
| Cost of funding earning assets | 1.3142% | 1,627 |
| Net interest margin | 6.4511% | 65 |
| Noninterest income to average assets | -0.0795% | 7,196 |
| Noninterest expense to average assets | 4.4002% | 636 |
| Loan and lease loss provision to assets | 1.0920% | 752 |
| Net operating income to assets | 0.0793% | 6,010 |
| Return on assets (ROA) | 0.1641% | 5,920 |
| Pretax return on assets | 0.0774% | 6,130 |
| Return on Equity (ROE) | 1.3645% | 5,981 |
| Retained earnings to average equity (ytd only) | 0.6787% | 5,745 |
| Net charge-offs to loans | 3.5719% | 209 |
| Credit loss provision to net charge-offs | 47.7007% | 5,082 |
| Earnings coverage of net charge-offs (x) | 0.4738% | 5,265 |
| Efficiency ratio | 80.2254% | 2,226 |
| Assets per employee ($millions) | 2.0838% | 7,207 |
| Cash dividends to net income (ytd only)* | 50.2569% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8378% | 446 |
| Loan loss allowance to noncurrent loans | 66.3984% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 7.2105% | 673 |
| Noncurrent loans to loans | 5.7800% | 991 |
| Net loans and leases to total assets | 59.9689% | 4,132 |
| Net loans and leases to deposits | 71.9510% | 3,997 |
| Net loans and leases to core deposits | 81.7101% | 3,369 |
| Total domestic deposits to total assets | 83.3469% | 4,538 |
| Equity capital to assets | 12.0204% | 2,236 |
| Core capital (leverage) ratio | 10.7908% | 2,580 |
| Tier 1 risk-based capital ratio | 15.6227% | 3,321 |
| Total risk-based capital ratio | 16.9011% | 3,279 |
| Memoranda: | ||
| Average total assets | $631,981,500 | 1,033 |
| Average earning assets | $545,117,000 | 1,099 |
| Average equity | $76,021,750 | 892 |
| Average total loans | $405,042,500 | 1,055 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7854% | 60 |
| Cost of funding earning assets | 1.3485% | 1,660 |
| Net interest margin | 6.4369% | 71 |
| Noninterest income to average assets | 0.4558% | 4,241 |
| Noninterest expense to average assets | 4.3771% | 684 |
| Loan and lease loss provision to assets | 0.9249% | 961 |
| Net operating income to assets | 0.5257% | 4,394 |
| Return on assets (ROA) | 0.6253% | 4,060 |
| Pretax return on assets | 0.8056% | 4,006 |
| Return on Equity (ROE) | 5.1970% | 4,359 |
| Retained earnings to average equity (ytd only) | 4.1655% | 3,544 |
| Net charge-offs to loans | 2.3754% | 525 |
| Credit loss provision to net charge-offs | 60.2066% | 4,334 |
| Earnings coverage of net charge-offs (x) | 1.0434% | 4,506 |
| Efficiency ratio | 73.1953% | 3,513 |
| Assets per employee ($millions) | 2.0048% | 7,297 |
| Cash dividends to net income (ytd only)* | 19.8477% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6404% | 244 |
| Loan loss allowance to noncurrent loans | 58.7926% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 9.1214% | 459 |
| Noncurrent loans to loans | 7.8928% | 581 |
| Net loans and leases to total assets | 61.8585% | 3,912 |
| Net loans and leases to deposits | 74.4180% | 3,729 |
| Net loans and leases to core deposits | 83.7258% | 3,252 |
| Total domestic deposits to total assets | 83.1231% | 4,708 |
| Equity capital to assets | 12.1859% | 1,973 |
| Core capital (leverage) ratio | 11.1509% | 2,143 |
| Tier 1 risk-based capital ratio | 15.8372% | 3,061 |
| Total risk-based capital ratio | 17.1252% | 3,016 |
| Memoranda: | ||
| Average total assets | $630,094,670 | 1,046 |
| Average earning assets | $540,755,000 | 1,121 |
| Average equity | $75,813,330 | 891 |
| Average total loans | $407,507,330 | 1,058 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7905% | 66 |
| Cost of funding earning assets | 1.3922% | 1,651 |
| Net interest margin | 6.3983% | 75 |
| Noninterest income to average assets | 0.2320% | 6,059 |
| Noninterest expense to average assets | 4.1253% | 892 |
| Loan and lease loss provision to assets | 0.8294% | 1,003 |
| Net operating income to assets | 0.5961% | 4,054 |
| Return on assets (ROA) | 0.5961% | 4,123 |
| Pretax return on assets | 0.7277% | 4,194 |
| Return on Equity (ROE) | 4.9866% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.2269% | 4,239 |
| Net charge-offs to loans | 2.1957% | 556 |
| Credit loss provision to net charge-offs | 58.4939% | 3,571 |
| Earnings coverage of net charge-offs (x) | 1.0982% | 3,842 |
| Efficiency ratio | 72.5981% | 3,750 |
| Assets per employee ($millions) | 2.1633% | 7,274 |
| Cash dividends to net income (ytd only)* | 35.2878% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9475% | 203 |
| Loan loss allowance to noncurrent loans | 76.9438% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 8.1210% | 580 |
| Noncurrent loans to loans | 6.4300% | 943 |
| Net loans and leases to total assets | 60.2391% | 4,219 |
| Net loans and leases to deposits | 73.8544% | 3,782 |
| Net loans and leases to core deposits | 82.9656% | 3,312 |
| Total domestic deposits to total assets | 81.5647% | 5,471 |
| Equity capital to assets | 11.8488% | 2,014 |
| Core capital (leverage) ratio | 10.8136% | 2,343 |
| Tier 1 risk-based capital ratio | 15.1987% | 3,318 |
| Total risk-based capital ratio | 16.4890% | 3,254 |
| Memoranda: | ||
| Average total assets | $629,379,500 | 1,057 |
| Average earning assets | $536,138,500 | 1,139 |
| Average equity | $75,241,500 | 890 |
| Average total loans | $406,430,000 | 1,071 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8442% | 62 |
| Cost of funding earning assets | 1.7630% | 1,326 |
| Net interest margin | 6.0812% | 91 |
| Noninterest income to average assets | 0.7097% | 2,787 |
| Noninterest expense to average assets | 4.0135% | 1,141 |
| Loan and lease loss provision to assets | 2.8908% | 345 |
| Net operating income to assets | -0.4732% | 6,373 |
| Return on assets (ROA) | -0.4294% | 6,367 |
| Pretax return on assets | -0.8867% | 6,568 |
| Return on Equity (ROE) | -3.4845% | 6,320 |
| Retained earnings to average equity (ytd only) | -7.1799% | 6,468 |
| Net charge-offs to loans | 1.9974% | 1,013 |
| Credit loss provision to net charge-offs | 233.3333% | 1,258 |
| Earnings coverage of net charge-offs (x) | 1.5710% | 4,560 |
| Efficiency ratio | 67.3419% | 4,697 |
| Assets per employee ($millions) | 2.0895% | 7,380 |
| Cash dividends to net income (ytd only)* | -106.0521% | 7,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1262% | 177 |
| Loan loss allowance to noncurrent loans | 111.3143% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 7.1611% | 751 |
| Noncurrent loans to loans | 4.6051% | 1,528 |
| Net loans and leases to total assets | 62.4384% | 4,191 |
| Net loans and leases to deposits | 76.9060% | 3,701 |
| Net loans and leases to core deposits | 85.7765% | 3,352 |
| Total domestic deposits to total assets | 81.1880% | 5,459 |
| Equity capital to assets | 12.0640% | 1,879 |
| Core capital (leverage) ratio | 10.5279% | 2,529 |
| Tier 1 risk-based capital ratio | 14.9749% | 3,267 |
| Total risk-based capital ratio | 16.2673% | 3,194 |
| Memoranda: | ||
| Average total assets | $661,788,000 | 1,001 |
| Average earning assets | $571,351,200 | 1,054 |
| Average equity | $81,561,400 | 807 |
| Average total loans | $410,477,000 | 1,098 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7505% | 72 |
| Cost of funding earning assets | 1.8103% | 1,379 |
| Net interest margin | 5.9402% | 101 |
| Noninterest income to average assets | 1.0403% | 1,339 |
| Noninterest expense to average assets | 3.9644% | 1,093 |
| Loan and lease loss provision to assets | 1.3512% | 1,009 |
| Net operating income to assets | 0.6421% | 3,692 |
| Return on assets (ROA) | 0.7041% | 3,551 |
| Pretax return on assets | 0.9463% | 3,381 |
| Return on Equity (ROE) | 5.6849% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.0648% | 4,923 |
| Net charge-offs to loans | 2.2803% | 784 |
| Credit loss provision to net charge-offs | 96.8986% | 4,471 |
| Earnings coverage of net charge-offs (x) | 1.5938% | 4,522 |
| Efficiency ratio | 64.0780% | 5,223 |
| Assets per employee ($millions) | 2.2350% | 7,356 |
| Cash dividends to net income (ytd only)* | 63.6800% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4072% | 1,465 |
| Loan loss allowance to noncurrent loans | 68.4049% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 6.4812% | 881 |
| Noncurrent loans to loans | 3.5191% | 2,242 |
| Net loans and leases to total assets | 60.7904% | 4,762 |
| Net loans and leases to deposits | 77.2023% | 3,979 |
| Net loans and leases to core deposits | 87.0516% | 3,517 |
| Total domestic deposits to total assets | 78.7417% | 6,079 |
| Equity capital to assets | 12.7787% | 1,695 |
| Core capital (leverage) ratio | 11.2366% | 2,107 |
| Tier 1 risk-based capital ratio | 16.3263% | 2,623 |
| Total risk-based capital ratio | 17.5874% | 2,577 |
| Memoranda: | ||
| Average total assets | $672,091,000 | 994 |
| Average earning assets | $582,298,250 | 1,040 |
| Average equity | $83,235,250 | 794 |
| Average total loans | $410,992,750 | 1,107 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6116% | 83 |
| Cost of funding earning assets | 1.8504% | 1,431 |
| Net interest margin | 5.7612% | 126 |
| Noninterest income to average assets | 1.8492% | 395 |
| Noninterest expense to average assets | 4.0517% | 981 |
| Loan and lease loss provision to assets | 1.5989% | 818 |
| Net operating income to assets | 0.8364% | 2,797 |
| Return on assets (ROA) | 0.9255% | 2,550 |
| Pretax return on assets | 1.3148% | 2,040 |
| Return on Equity (ROE) | 7.5498% | 3,092 |
| Retained earnings to average equity (ytd only) | 3.9264% | 3,588 |
| Net charge-offs to loans | 2.8021% | 583 |
| Credit loss provision to net charge-offs | 93.8744% | 4,298 |
| Earnings coverage of net charge-offs (x) | 1.6453% | 4,271 |
| Efficiency ratio | 59.1142% | 6,199 |
| Assets per employee ($millions) | 2.2874% | 7,363 |
| Cash dividends to net income (ytd only)* | 47.9936% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3460% | 1,519 |
| Loan loss allowance to noncurrent loans | 61.0528% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 6.3735% | 891 |
| Noncurrent loans to loans | 3.8426% | 2,002 |
| Net loans and leases to total assets | 59.7302% | 5,114 |
| Net loans and leases to deposits | 76.6584% | 4,210 |
| Net loans and leases to core deposits | 96.1231% | 2,425 |
| Total domestic deposits to total assets | 77.9174% | 6,289 |
| Equity capital to assets | 12.4312% | 1,840 |
| Core capital (leverage) ratio | 11.0998% | 2,168 |
| Tier 1 risk-based capital ratio | 16.0748% | 2,635 |
| Total risk-based capital ratio | 17.3351% | 2,592 |
| Memoranda: | ||
| Average total assets | $678,577,670 | 988 |
| Average earning assets | $589,497,000 | 1,040 |
| Average equity | $83,181,000 | 787 |
| Average total loans | $412,482,670 | 1,108 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5790% | 98 |
| Cost of funding earning assets | 1.9688% | 1,187 |
| Net interest margin | 5.6102% | 152 |
| Noninterest income to average assets | 3.0087% | 214 |
| Noninterest expense to average assets | 4.0480% | 961 |
| Loan and lease loss provision to assets | 1.0229% | 1,217 |
| Net operating income to assets | 1.8221% | 473 |
| Return on assets (ROA) | 1.9882% | 385 |
| Pretax return on assets | 3.0439% | 136 |
| Return on Equity (ROE) | 16.3333% | 680 |
| Retained earnings to average equity (ytd only) | 12.7032% | 663 |
| Net charge-offs to loans | 1.4332% | 1,208 |
| Credit loss provision to net charge-offs | 117.7703% | 2,964 |
| Earnings coverage of net charge-offs (x) | 4.4311% | 2,627 |
| Efficiency ratio | 51.2634% | 7,212 |
| Assets per employee ($millions) | 2.3355% | 7,409 |
| Cash dividends to net income (ytd only)* | 22.2255% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4823% | 1,318 |
| Loan loss allowance to noncurrent loans | 39.3870% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 7.1138% | 752 |
| Noncurrent loans to loans | 6.3024% | 1,009 |
| Net loans and leases to total assets | 59.9650% | 5,126 |
| Net loans and leases to deposits | 77.2650% | 4,171 |
| Net loans and leases to core deposits | 96.0834% | 2,578 |
| Total domestic deposits to total assets | 77.6095% | 6,427 |
| Equity capital to assets | 12.5328% | 1,740 |
| Core capital (leverage) ratio | 11.1337% | 2,140 |
| Tier 1 risk-based capital ratio | 16.3554% | 2,504 |
| Total risk-based capital ratio | 17.6175% | 2,453 |
| Memoranda: | ||
| Average total assets | $681,616,000 | 1,008 |
| Average earning assets | $593,850,500 | 1,054 |
| Average equity | $82,971,500 | 798 |
| Average total loans | $413,056,000 | 1,140 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9280% | 86 |
| Cost of funding earning assets | 2.2049% | 2,007 |
| Net interest margin | 5.7231% | 145 |
| Noninterest income to average assets | 1.1346% | 1,199 |
| Noninterest expense to average assets | 3.8805% | 1,539 |
| Loan and lease loss provision to assets | 1.3334% | 1,720 |
| Net operating income to assets | 0.7130% | 2,883 |
| Return on assets (ROA) | 0.7427% | 2,848 |
| Pretax return on assets | 0.9720% | 2,681 |
| Return on Equity (ROE) | 6.2857% | 3,086 |
| Retained earnings to average equity (ytd only) | 1.3169% | 4,123 |
| Net charge-offs to loans | 1.8690% | 1,337 |
| Credit loss provision to net charge-offs | 119.2948% | 4,498 |
| Earnings coverage of net charge-offs (x) | 2.0343% | 4,202 |
| Efficiency ratio | 63.0529% | 5,958 |
| Assets per employee ($millions) | 2.3651% | 7,395 |
| Cash dividends to net income (ytd only)* | 79.0491% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4252% | 1,325 |
| Loan loss allowance to noncurrent loans | 47.8866% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 6.1294% | 915 |
| Noncurrent loans to loans | 5.0644% | 1,329 |
| Net loans and leases to total assets | 58.2823% | 5,611 |
| Net loans and leases to deposits | 78.4090% | 4,296 |
| Net loans and leases to core deposits | 96.2146% | 4,444 |
| Total domestic deposits to total assets | 74.3311% | 6,972 |
| Equity capital to assets | 11.8221% | 2,125 |
| Core capital (leverage) ratio | 10.8142% | 2,338 |
| Tier 1 risk-based capital ratio | 15.7279% | 2,633 |
| Total risk-based capital ratio | 16.9892% | 2,567 |
| Memoranda: | ||
| Average total assets | $682,541,200 | 1,006 |
| Average earning assets | $598,665,800 | 1,043 |
| Average equity | $80,642,800 | 805 |
| Average total loans | $408,185,800 | 1,181 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9680% | 83 |
| Cost of funding earning assets | 2.3001% | 1,986 |
| Net interest margin | 5.6679% | 147 |
| Noninterest income to average assets | 1.2488% | 989 |
| Noninterest expense to average assets | 3.7954% | 1,600 |
| Loan and lease loss provision to assets | 0.9516% | 2,024 |
| Net operating income to assets | 1.0562% | 1,880 |
| Return on assets (ROA) | 1.0613% | 1,920 |
| Pretax return on assets | 1.4857% | 1,461 |
| Return on Equity (ROE) | 8.9841% | 2,264 |
| Retained earnings to average equity (ytd only) | 3.5873% | 3,280 |
| Net charge-offs to loans | 1.7676% | 1,141 |
| Credit loss provision to net charge-offs | 89.9944% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.2981% | 4,103 |
| Efficiency ratio | 60.9662% | 6,286 |
| Assets per employee ($millions) | 2.3851% | 7,394 |
| Cash dividends to net income (ytd only)* | 60.0701% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9697% | 1,868 |
| Loan loss allowance to noncurrent loans | 40.5603% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 5.8826% | 931 |
| Noncurrent loans to loans | 4.8563% | 1,393 |
| Net loans and leases to total assets | 57.3057% | 5,991 |
| Net loans and leases to deposits | 79.5110% | 4,478 |
| Net loans and leases to core deposits | 98.7931% | 4,514 |
| Total domestic deposits to total assets | 72.0726% | 7,200 |
| Equity capital to assets | 11.9270% | 2,279 |
| Core capital (leverage) ratio | 10.9050% | 2,474 |
| Tier 1 risk-based capital ratio | 16.3097% | 2,514 |
| Total risk-based capital ratio | 17.5660% | 2,445 |
| Memoranda: | ||
| Average total assets | $680,523,750 | 1,018 |
| Average earning assets | $597,523,500 | 1,065 |
| Average equity | $80,392,250 | 814 |
| Average total loans | $407,105,250 | 1,201 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0660% | 88 |
| Cost of funding earning assets | 2.3679% | 2,090 |
| Net interest margin | 5.6981% | 140 |
| Noninterest income to average assets | 1.5382% | 633 |
| Noninterest expense to average assets | 3.6946% | 1,850 |
| Loan and lease loss provision to assets | 0.9964% | 1,691 |
| Net operating income to assets | 1.2786% | 1,282 |
| Return on assets (ROA) | 1.2799% | 1,366 |
| Pretax return on assets | 1.8453% | 779 |
| Return on Equity (ROE) | 10.8700% | 1,735 |
| Retained earnings to average equity (ytd only) | 4.5882% | 2,738 |
| Net charge-offs to loans | 1.7293% | 1,096 |
| Credit loss provision to net charge-offs | 95.5732% | 4,754 |
| Earnings coverage of net charge-offs (x) | 2.7239% | 3,719 |
| Efficiency ratio | 56.5400% | 7,050 |
| Assets per employee ($millions) | 2.2884% | 7,573 |
| Cash dividends to net income (ytd only)* | 57.7901% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0514% | 1,477 |
| Loan loss allowance to noncurrent loans | 48.2350% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 7.0945% | 589 |
| Noncurrent loans to loans | 4.2530% | 1,552 |
| Net loans and leases to total assets | 58.4491% | 5,905 |
| Net loans and leases to deposits | 79.8236% | 4,570 |
| Net loans and leases to core deposits | 100.0803% | 4,501 |
| Total domestic deposits to total assets | 73.2229% | 7,077 |
| Equity capital to assets | 11.8210% | 2,313 |
| Core capital (leverage) ratio | 11.2169% | 2,249 |
| Tier 1 risk-based capital ratio | 16.3836% | 2,487 |
| Total risk-based capital ratio | 17.6408% | 2,432 |
| Memoranda: | ||
| Average total assets | $676,005,670 | 1,041 |
| Average earning assets | $592,759,330 | 1,091 |
| Average equity | $79,595,330 | 832 |
| Average total loans | $407,561,000 | 1,229 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1256% | 80 |
| Cost of funding earning assets | 2.4234% | 2,196 |
| Net interest margin | 5.7022% | 137 |
| Noninterest income to average assets | 0.7340% | 2,688 |
| Noninterest expense to average assets | 3.5083% | 2,081 |
| Loan and lease loss provision to assets | 1.1365% | 1,145 |
| Net operating income to assets | 0.8097% | 3,090 |
| Return on assets (ROA) | 0.8097% | 3,248 |
| Pretax return on assets | 1.0901% | 3,025 |
| Return on Equity (ROE) | 6.8903% | 3,634 |
| Retained earnings to average equity (ytd only) | -1.9607% | 6,096 |
| Net charge-offs to loans | 1.6818% | 858 |
| Credit loss provision to net charge-offs | 111.5070% | 3,465 |
| Earnings coverage of net charge-offs (x) | 2.1846% | 3,647 |
| Efficiency ratio | 61.1751% | 6,222 |
| Assets per employee ($millions) | 2.3343% | 7,551 |
| Cash dividends to net income (ytd only)* | 128.4559% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 1,148 |
| Loan loss allowance to noncurrent loans | 50.6440% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 5.5996% | 748 |
| Noncurrent loans to loans | 4.2415% | 1,391 |
| Net loans and leases to total assets | 58.7395% | 5,841 |
| Net loans and leases to deposits | 80.2033% | 4,573 |
| Net loans and leases to core deposits | 99.3981% | 4,598 |
| Total domestic deposits to total assets | 73.2382% | 7,018 |
| Equity capital to assets | 11.6969% | 2,450 |
| Core capital (leverage) ratio | 10.8753% | 2,599 |
| Tier 1 risk-based capital ratio | 16.1161% | 2,648 |
| Total risk-based capital ratio | 17.3741% | 2,584 |
| Memoranda: | ||
| Average total assets | $671,892,000 | 1,049 |
| Average earning assets | $589,248,000 | 1,104 |
| Average equity | $78,951,500 | 833 |
| Average total loans | $407,189,500 | 1,238 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8997% | 72 |
| Cost of funding earning assets | 2.8893% | 2,311 |
| Net interest margin | 6.0103% | 107 |
| Noninterest income to average assets | 0.9518% | 1,761 |
| Noninterest expense to average assets | 3.7201% | 1,915 |
| Loan and lease loss provision to assets | 1.3345% | 1,062 |
| Net operating income to assets | 0.8542% | 3,210 |
| Return on assets (ROA) | 0.8563% | 3,038 |
| Pretax return on assets | 1.1746% | 2,742 |
| Return on Equity (ROE) | 7.2497% | 3,399 |
| Retained earnings to average equity (ytd only) | -2.9311% | 6,091 |
| Net charge-offs to loans | 2.1350% | 497 |
| Credit loss provision to net charge-offs | 99.9663% | 5,378 |
| Earnings coverage of net charge-offs (x) | 1.8774% | 5,131 |
| Efficiency ratio | 59.7476% | 6,393 |
| Assets per employee ($millions) | 2.3235% | 7,526 |
| Cash dividends to net income (ytd only)* | 140.4307% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0911% | 1,085 |
| Loan loss allowance to noncurrent loans | 43.5773% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 5.6551% | 561 |
| Noncurrent loans to loans | 4.7986% | 947 |
| Net loans and leases to total assets | 59.9071% | 5,921 |
| Net loans and leases to deposits | 82.3174% | 4,677 |
| Net loans and leases to core deposits | 103.1629% | 4,489 |
| Total domestic deposits to total assets | 72.7758% | 6,869 |
| Equity capital to assets | 11.8051% | 2,426 |
| Core capital (leverage) ratio | 10.9064% | 2,663 |
| Tier 1 risk-based capital ratio | 16.2207% | 2,575 |
| Total risk-based capital ratio | 17.4787% | 2,509 |
| Memoranda: | ||
| Average total assets | $666,969,600 | 1,001 |
| Average earning assets | $585,325,200 | 1,056 |
| Average equity | $78,775,800 | 843 |
| Average total loans | $417,049,200 | 1,149 |