Home > Focus Bank > Performance and Condition Ratios
Focus 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 | 5.5087% | 1,143 |
| Cost of funding earning assets | 1.3628% | 2,324 |
| Net interest margin | 4.1459% | 1,013 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 3.0492% | 1,045 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.3721% | 1,270 |
| Return on assets (ROA) | 1.3718% | 1,245 |
| Pretax return on assets | 1.3709% | 1,699 |
| Return on Equity (ROE) | 12.3900% | 1,867 |
| Retained earnings to average equity (ytd only) | 3.4091% | 3,160 |
| Net charge-offs to loans | 0.0732% | 1,124 |
| Credit loss provision to net charge-offs | 92.2764% | 1,934 |
| Earnings coverage of net charge-offs (x) | 23.2825% | 1,793 |
| Efficiency ratio | 68.1726% | 2,090 |
| Assets per employee ($millions) | 5.0164% | 3,621 |
| Cash dividends to net income (ytd only)* | 72.4769% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,114 |
| Loan loss allowance to noncurrent loans | 569.3419% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 1,824 |
| Noncurrent loans to loans | 0.1825% | 2,599 |
| Net loans and leases to total assets | 82.6200% | 379 |
| Net loans and leases to deposits | 107.8878% | 242 |
| Net loans and leases to core deposits | 124.7779% | 514 |
| Total domestic deposits to total assets | 76.5800% | 3,886 |
| Equity capital to assets | 11.3307% | 1,362 |
| Core capital (leverage) ratio | 12.3078% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $804,665,400 | 1,175 |
| Average earning assets | $739,014,200 | 1,182 |
| Average equity | $89,113,200 | 1,039 |
| Average total loans | $672,167,200 | 999 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 1,190 |
| Cost of funding earning assets | 1.2085% | 2,406 |
| Net interest margin | 4.1562% | 982 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 3.0272% | 1,035 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.4338% | 1,247 |
| Return on assets (ROA) | 1.4338% | 1,231 |
| Pretax return on assets | 1.4338% | 1,704 |
| Return on Equity (ROE) | 13.0200% | 1,893 |
| Retained earnings to average equity (ytd only) | 2.4451% | 3,641 |
| Net charge-offs to loans | 0.0605% | 1,061 |
| Credit loss provision to net charge-offs | 74.0132% | 1,783 |
| Earnings coverage of net charge-offs (x) | 29.0888% | 1,606 |
| Efficiency ratio | 67.2954% | 2,099 |
| Assets per employee ($millions) | 4.8696% | 3,695 |
| Cash dividends to net income (ytd only)* | 81.2253% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,148 |
| Loan loss allowance to noncurrent loans | 620.4545% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 1,855 |
| Noncurrent loans to loans | 0.1677% | 2,697 |
| Net loans and leases to total assets | 82.5100% | 399 |
| Net loans and leases to deposits | 110.1150% | 196 |
| Net loans and leases to core deposits | 127.1457% | 392 |
| Total domestic deposits to total assets | 74.9300% | 4,093 |
| Equity capital to assets | 10.7948% | 1,436 |
| Core capital (leverage) ratio | 12.1841% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $801,413,000 | 1,182 |
| Average earning assets | $735,777,250 | 1,184 |
| Average equity | $88,229,500 | 1,045 |
| Average total loans | $669,535,250 | 997 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1713% | 1,256 |
| Cost of funding earning assets | 1.0107% | 2,570 |
| Net interest margin | 4.1606% | 983 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 3.0094% | 1,035 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4138% | 1,294 |
| Return on assets (ROA) | 1.4138% | 1,278 |
| Pretax return on assets | 1.4138% | 1,776 |
| Return on Equity (ROE) | 12.7600% | 1,956 |
| Retained earnings to average equity (ytd only) | -0.2812% | 4,136 |
| Net charge-offs to loans | 0.0568% | 963 |
| Credit loss provision to net charge-offs | 69.8413% | 1,594 |
| Earnings coverage of net charge-offs (x) | 30.4656% | 1,541 |
| Efficiency ratio | 67.5295% | 2,043 |
| Assets per employee ($millions) | 4.7544% | 3,787 |
| Cash dividends to net income (ytd only)* | 102.2041% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,174 |
| Loan loss allowance to noncurrent loans | 501.4134% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 1,385 |
| Noncurrent loans to loans | 0.2098% | 2,425 |
| Net loans and leases to total assets | 83.0500% | 328 |
| Net loans and leases to deposits | 106.7064% | 286 |
| Net loans and leases to core deposits | 120.5149% | 498 |
| Total domestic deposits to total assets | 77.8300% | 3,865 |
| Equity capital to assets | 10.9600% | 1,403 |
| Core capital (leverage) ratio | 12.2030% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $795,851,333 | 1,185 |
| Average earning assets | $730,185,000 | 1,189 |
| Average equity | $88,202,000 | 1,038 |
| Average total loans | $665,353,667 | 989 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9604% | 1,305 |
| Cost of funding earning assets | 0.8176% | 2,669 |
| Net interest margin | 4.1427% | 1,040 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 3.0156% | 1,036 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3702% | 1,489 |
| Return on assets (ROA) | 1.3702% | 1,457 |
| Pretax return on assets | 1.3702% | 1,961 |
| Return on Equity (ROE) | 12.2900% | 2,145 |
| Retained earnings to average equity (ytd only) | -3.5663% | 4,267 |
| Net charge-offs to loans | 0.0309% | 1,090 |
| Credit loss provision to net charge-offs | 139.2157% | 979 |
| Earnings coverage of net charge-offs (x) | 54.5882% | 1,068 |
| Efficiency ratio | 68.2010% | 1,948 |
| Assets per employee ($millions) | 4.6828% | 3,903 |
| Cash dividends to net income (ytd only)* | 129.0085% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 3,113 |
| Loan loss allowance to noncurrent loans | 664.6840% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 1,537 |
| Noncurrent loans to loans | 0.1637% | 2,671 |
| Net loans and leases to total assets | 82.1500% | 360 |
| Net loans and leases to deposits | 102.1164% | 355 |
| Net loans and leases to core deposits | 111.2731% | 660 |
| Total domestic deposits to total assets | 80.4400% | 3,712 |
| Equity capital to assets | 11.1765% | 1,277 |
| Core capital (leverage) ratio | 12.1754% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $792,026,500 | 1,203 |
| Average earning assets | $726,476,000 | 1,205 |
| Average equity | $88,271,000 | 1,052 |
| Average total loans | $660,811,500 | 1,008 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 939 |
| Cost of funding earning assets | 0.4691% | 1,590 |
| Net interest margin | 3.8986% | 956 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.7895% | 1,337 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.4807% | 929 |
| Return on assets (ROA) | 1.4807% | 894 |
| Pretax return on assets | 1.4801% | 1,513 |
| Return on Equity (ROE) | 13.3500% | 1,693 |
| Retained earnings to average equity (ytd only) | 2.2638% | 3,926 |
| Net charge-offs to loans | 0.0661% | 985 |
| Credit loss provision to net charge-offs | 104.1190% | 1,528 |
| Earnings coverage of net charge-offs (x) | 28.5858% | 1,712 |
| Efficiency ratio | 64.4892% | 2,439 |
| Assets per employee ($millions) | 4.7182% | 3,878 |
| Cash dividends to net income (ytd only)* | 83.0427% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 2,794 |
| Loan loss allowance to noncurrent loans | 517.9666% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 1,403 |
| Noncurrent loans to loans | 0.2161% | 2,410 |
| Net loans and leases to total assets | 82.8800% | 337 |
| Net loans and leases to deposits | 105.3079% | 259 |
| Net loans and leases to core deposits | 113.0749% | 512 |
| Total domestic deposits to total assets | 78.7000% | 4,029 |
| Equity capital to assets | 11.1134% | 1,212 |
| Core capital (leverage) ratio | 12.2763% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $813,266,400 | 1,169 |
| Average earning assets | $750,939,000 | 1,169 |
| Average equity | $90,202,200 | 1,031 |
| Average total loans | $660,964,200 | 954 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 794 |
| Cost of funding earning assets | 0.4362% | 1,057 |
| Net interest margin | 3.8209% | 919 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.7299% | 1,402 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.4858% | 881 |
| Return on assets (ROA) | 1.4858% | 864 |
| Pretax return on assets | 1.4858% | 1,457 |
| Return on Equity (ROE) | 13.4000% | 1,585 |
| Retained earnings to average equity (ytd only) | 2.0132% | 4,027 |
| Net charge-offs to loans | 0.0333% | 1,183 |
| Credit loss provision to net charge-offs | 101.2121% | 1,312 |
| Earnings coverage of net charge-offs (x) | 56.2848% | 1,217 |
| Efficiency ratio | 64.3411% | 2,498 |
| Assets per employee ($millions) | 4.7004% | 3,909 |
| Cash dividends to net income (ytd only)* | 84.9781% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,011 |
| Loan loss allowance to noncurrent loans | 758.8957% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 2,110 |
| Noncurrent loans to loans | 0.1452% | 2,892 |
| Net loans and leases to total assets | 82.8700% | 325 |
| Net loans and leases to deposits | 105.3075% | 202 |
| Net loans and leases to core deposits | 113.5967% | 372 |
| Total domestic deposits to total assets | 78.6900% | 4,205 |
| Equity capital to assets | 10.8103% | 1,248 |
| Core capital (leverage) ratio | 11.9896% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $818,419,500 | 1,175 |
| Average earning assets | $756,555,250 | 1,170 |
| Average equity | $90,730,000 | 1,034 |
| Average total loans | $660,116,000 | 952 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 764 |
| Cost of funding earning assets | 0.4362% | 738 |
| Net interest margin | 3.6652% | 970 |
| Noninterest income to average assets | 0.6892% | 1,387 |
| Noninterest expense to average assets | 2.6809% | 1,437 |
| Loan and lease loss provision to assets | 0.0214% | 2,217 |
| Net operating income to assets | 1.3813% | 951 |
| Return on assets (ROA) | 1.3813% | 929 |
| Pretax return on assets | 1.3813% | 1,491 |
| Return on Equity (ROE) | 12.3595% | 1,562 |
| Retained earnings to average equity (ytd only) | -1.2260% | 4,312 |
| Net charge-offs to loans | 0.0201% | 1,331 |
| Credit loss provision to net charge-offs | 133.3333% | 1,145 |
| Earnings coverage of net charge-offs (x) | 87.4848% | 883 |
| Efficiency ratio | 65.6514% | 2,561 |
| Assets per employee ($millions) | 4.5700% | 4,023 |
| Cash dividends to net income (ytd only)* | 109.9191% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,067 |
| Loan loss allowance to noncurrent loans | 431.9211% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 1,740 |
| Noncurrent loans to loans | 0.2599% | 2,439 |
| Net loans and leases to total assets | 81.9536% | 289 |
| Net loans and leases to deposits | 100.8456% | 245 |
| Net loans and leases to core deposits | 108.8858% | 370 |
| Total domestic deposits to total assets | 81.2664% | 4,094 |
| Equity capital to assets | 11.1077% | 1,165 |
| Core capital (leverage) ratio | 11.3885% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $823,303,000 | 1,167 |
| Average earning assets | $762,459,667 | 1,174 |
| Average equity | $92,010,000 | 1,032 |
| Average total loans | $655,651,333 | 947 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 846 |
| Cost of funding earning assets | 0.4492% | 660 |
| Net interest margin | 3.5035% | 1,084 |
| Noninterest income to average assets | 0.6692% | 1,417 |
| Noninterest expense to average assets | 2.6115% | 1,571 |
| Loan and lease loss provision to assets | 0.0225% | 1,951 |
| Net operating income to assets | 1.2818% | 1,041 |
| Return on assets (ROA) | 1.2818% | 1,033 |
| Pretax return on assets | 1.2818% | 1,560 |
| Return on Equity (ROE) | 11.4361% | 1,480 |
| Retained earnings to average equity (ytd only) | -4.5898% | 4,406 |
| Net charge-offs to loans | -0.0037% | 3,253 |
| Credit loss provision to net charge-offs | -783.3333% | 3,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6911% | 2,677 |
| Assets per employee ($millions) | 4.9623% | 3,783 |
| Cash dividends to net income (ytd only)* | 140.1345% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 3,018 |
| Loan loss allowance to noncurrent loans | 801.7167% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 2,295 |
| Noncurrent loans to loans | 0.1455% | 3,078 |
| Net loans and leases to total assets | 74.6111% | 606 |
| Net loans and leases to deposits | 93.8789% | 368 |
| Net loans and leases to core deposits | 101.1104% | 475 |
| Total domestic deposits to total assets | 79.4759% | 4,316 |
| Equity capital to assets | 10.8887% | 1,388 |
| Core capital (leverage) ratio | 11.1492% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $835,079,500 | 1,153 |
| Average earning assets | $773,861,500 | 1,164 |
| Average equity | $93,598,000 | 1,044 |
| Average total loans | $652,044,000 | 944 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 872 |
| Cost of funding earning assets | 0.5579% | 678 |
| Net interest margin | 3.7232% | 1,161 |
| Noninterest income to average assets | 0.7802% | 1,509 |
| Noninterest expense to average assets | 2.6642% | 1,729 |
| Loan and lease loss provision to assets | -0.0089% | 4,162 |
| Net operating income to assets | 1.5815% | 856 |
| Return on assets (ROA) | 1.5968% | 851 |
| Pretax return on assets | 1.5940% | 1,442 |
| Return on Equity (ROE) | 14.2299% | 1,121 |
| Retained earnings to average equity (ytd only) | 9.0526% | 1,180 |
| Net charge-offs to loans | 0.0080% | 2,281 |
| Credit loss provision to net charge-offs | -141.1765% | 3,435 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 465 |
| Efficiency ratio | 62.9248% | 2,725 |
| Assets per employee ($millions) | 4.9198% | 3,808 |
| Cash dividends to net income (ytd only)* | 36.3833% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,281 |
| Loan loss allowance to noncurrent loans | 640.7599% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 2,227 |
| Noncurrent loans to loans | 0.1745% | 3,080 |
| Net loans and leases to total assets | 79.8535% | 272 |
| Net loans and leases to deposits | 101.6167% | 169 |
| Net loans and leases to core deposits | 109.9525% | 283 |
| Total domestic deposits to total assets | 78.5831% | 4,349 |
| Equity capital to assets | 11.5384% | 1,492 |
| Core capital (leverage) ratio | 11.6383% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $808,990,400 | 1,150 |
| Average earning assets | $750,439,400 | 1,149 |
| Average equity | $90,780,600 | 1,090 |
| Average total loans | $640,534,400 | 949 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 991 |
| Cost of funding earning assets | 0.5774% | 713 |
| Net interest margin | 3.6963% | 1,338 |
| Noninterest income to average assets | 0.7912% | 1,552 |
| Noninterest expense to average assets | 2.6483% | 1,712 |
| Loan and lease loss provision to assets | -0.0597% | 4,493 |
| Net operating income to assets | 1.6395% | 936 |
| Return on assets (ROA) | 1.6600% | 946 |
| Pretax return on assets | 1.6562% | 1,532 |
| Return on Equity (ROE) | 14.9005% | 1,164 |
| Retained earnings to average equity (ytd only) | 7.9203% | 2,080 |
| Net charge-offs to loans | -0.0040% | 3,368 |
| Credit loss provision to net charge-offs | 1,900.0000% | 340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6924% | 2,581 |
| Assets per employee ($millions) | 4.9057% | 3,790 |
| Cash dividends to net income (ytd only)* | 46.8454% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,468 |
| Loan loss allowance to noncurrent loans | 413.8506% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 2,087 |
| Noncurrent loans to loans | 0.2642% | 2,866 |
| Net loans and leases to total assets | 81.4531% | 223 |
| Net loans and leases to deposits | 104.2651% | 150 |
| Net loans and leases to core deposits | 115.3501% | 234 |
| Total domestic deposits to total assets | 78.1212% | 4,415 |
| Equity capital to assets | 11.6098% | 1,597 |
| Core capital (leverage) ratio | 11.4689% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $805,836,250 | 1,159 |
| Average earning assets | $748,443,500 | 1,163 |
| Average equity | $89,775,750 | 1,116 |
| Average total loans | $634,792,500 | 970 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 1,163 |
| Cost of funding earning assets | 0.5995% | 749 |
| Net interest margin | 3.6148% | 1,555 |
| Noninterest income to average assets | 0.6766% | 1,903 |
| Noninterest expense to average assets | 2.6080% | 1,828 |
| Loan and lease loss provision to assets | -0.0988% | 4,623 |
| Net operating income to assets | 1.5333% | 1,208 |
| Return on assets (ROA) | 1.5640% | 1,198 |
| Pretax return on assets | 1.5583% | 1,850 |
| Return on Equity (ROE) | 14.2368% | 1,342 |
| Retained earnings to average equity (ytd only) | 7.0260% | 2,423 |
| Net charge-offs to loans | -0.0118% | 3,733 |
| Credit loss provision to net charge-offs | 1,078.3784% | 453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6042% | 2,349 |
| Assets per employee ($millions) | 4.7037% | 3,926 |
| Cash dividends to net income (ytd only)* | 50.6489% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,310 |
| Loan loss allowance to noncurrent loans | 230.6457% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 1,651 |
| Noncurrent loans to loans | 0.4880% | 2,220 |
| Net loans and leases to total assets | 78.4164% | 414 |
| Net loans and leases to deposits | 99.7348% | 260 |
| Net loans and leases to core deposits | 110.3675% | 350 |
| Total domestic deposits to total assets | 78.6249% | 4,375 |
| Equity capital to assets | 11.2169% | 1,822 |
| Core capital (leverage) ratio | 11.0773% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $807,906,000 | 1,146 |
| Average earning assets | $751,013,333 | 1,153 |
| Average equity | $88,756,000 | 1,118 |
| Average total loans | $626,882,667 | 983 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 1,182 |
| Cost of funding earning assets | 0.6413% | 731 |
| Net interest margin | 3.5700% | 1,662 |
| Noninterest income to average assets | 0.6565% | 2,003 |
| Noninterest expense to average assets | 2.5812% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3808% | 1,614 |
| Return on assets (ROA) | 1.4420% | 1,532 |
| Pretax return on assets | 1.4420% | 2,164 |
| Return on Equity (ROE) | 13.2646% | 1,599 |
| Retained earnings to average equity (ytd only) | 4.1762% | 3,452 |
| Net charge-offs to loans | -0.0502% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1496% | 2,342 |
| Assets per employee ($millions) | 4.8709% | 3,784 |
| Cash dividends to net income (ytd only)* | 68.5166% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 2,738 |
| Loan loss allowance to noncurrent loans | 280.3164% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 2,035 |
| Noncurrent loans to loans | 0.4406% | 2,538 |
| Net loans and leases to total assets | 75.3531% | 692 |
| Net loans and leases to deposits | 96.1082% | 405 |
| Net loans and leases to core deposits | 106.8647% | 485 |
| Total domestic deposits to total assets | 78.4044% | 4,393 |
| Equity capital to assets | 10.8923% | 1,943 |
| Core capital (leverage) ratio | 11.0437% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $809,694,500 | 1,128 |
| Average earning assets | $749,686,000 | 1,143 |
| Average equity | $88,023,500 | 1,114 |
| Average total loans | $621,371,000 | 988 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 1,101 |
| Cost of funding earning assets | 1.0400% | 510 |
| Net interest margin | 3.5568% | 2,286 |
| Noninterest income to average assets | 0.7037% | 1,852 |
| Noninterest expense to average assets | 2.6600% | 2,358 |
| Loan and lease loss provision to assets | 0.1433% | 2,567 |
| Net operating income to assets | 1.2034% | 1,543 |
| Return on assets (ROA) | 1.2323% | 1,548 |
| Pretax return on assets | 1.2202% | 2,258 |
| Return on Equity (ROE) | 11.4465% | 1,479 |
| Retained earnings to average equity (ytd only) | 5.5895% | 1,998 |
| Net charge-offs to loans | 0.1166% | 1,320 |
| Credit loss provision to net charge-offs | 151.6173% | 2,414 |
| Earnings coverage of net charge-offs (x) | 14.1199% | 2,234 |
| Efficiency ratio | 66.5901% | 2,433 |
| Assets per employee ($millions) | 4.7416% | 3,672 |
| Cash dividends to net income (ytd only)* | 51.1681% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,917 |
| Loan loss allowance to noncurrent loans | 176.4211% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 1,618 |
| Noncurrent loans to loans | 0.6831% | 1,979 |
| Net loans and leases to total assets | 76.2560% | 757 |
| Net loans and leases to deposits | 95.6737% | 570 |
| Net loans and leases to core deposits | 110.1125% | 506 |
| Total domestic deposits to total assets | 79.7043% | 4,098 |
| Equity capital to assets | 10.8502% | 2,383 |
| Core capital (leverage) ratio | 10.9035% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $785,039,400 | 1,075 |
| Average earning assets | $726,359,000 | 1,069 |
| Average equity | $84,515,200 | 1,103 |
| Average total loans | $636,175,800 | 931 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,290 |
| Cost of funding earning assets | 1.1216% | 491 |
| Net interest margin | 3.4831% | 2,647 |
| Noninterest income to average assets | 0.7304% | 1,704 |
| Noninterest expense to average assets | 2.6481% | 2,389 |
| Loan and lease loss provision to assets | 0.1753% | 2,228 |
| Net operating income to assets | 1.1431% | 1,843 |
| Return on assets (ROA) | 1.1782% | 1,835 |
| Pretax return on assets | 1.1689% | 2,490 |
| Return on Equity (ROE) | 10.9660% | 1,690 |
| Retained earnings to average equity (ytd only) | 3.0762% | 3,489 |
| Net charge-offs to loans | 0.0420% | 2,027 |
| Credit loss provision to net charge-offs | 509.4527% | 1,268 |
| Earnings coverage of net charge-offs (x) | 38.0348% | 1,402 |
| Efficiency ratio | 66.9177% | 2,324 |
| Assets per employee ($millions) | 4.5077% | 3,843 |
| Cash dividends to net income (ytd only)* | 71.9477% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,619 |
| Loan loss allowance to noncurrent loans | 134.8311% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8848% | 1,307 |
| Noncurrent loans to loans | 0.8962% | 1,669 |
| Net loans and leases to total assets | 83.1998% | 343 |
| Net loans and leases to deposits | 104.8023% | 364 |
| Net loans and leases to core deposits | 124.5496% | 331 |
| Total domestic deposits to total assets | 79.3874% | 3,986 |
| Equity capital to assets | 10.8928% | 2,485 |
| Core capital (leverage) ratio | 10.7861% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $778,595,000 | 1,066 |
| Average earning assets | $721,323,000 | 1,059 |
| Average equity | $83,650,250 | 1,104 |
| Average total loans | $638,760,000 | 927 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 1,496 |
| Cost of funding earning assets | 1.2076% | 487 |
| Net interest margin | 3.4565% | 2,930 |
| Noninterest income to average assets | 0.6432% | 1,964 |
| Noninterest expense to average assets | 2.6340% | 2,567 |
| Loan and lease loss provision to assets | 0.1167% | 2,853 |
| Net operating income to assets | 1.1098% | 1,936 |
| Return on assets (ROA) | 1.1333% | 1,981 |
| Pretax return on assets | 1.1222% | 2,644 |
| Return on Equity (ROE) | 10.5978% | 1,779 |
| Retained earnings to average equity (ytd only) | 0.4840% | 4,215 |
| Net charge-offs to loans | 0.0440% | 1,865 |
| Credit loss provision to net charge-offs | 325.8993% | 1,560 |
| Earnings coverage of net charge-offs (x) | 33.9568% | 1,353 |
| Efficiency ratio | 68.4260% | 2,183 |
| Assets per employee ($millions) | 4.6086% | 3,634 |
| Cash dividends to net income (ytd only)* | 95.4329% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,842 |
| Loan loss allowance to noncurrent loans | 134.9585% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 1,429 |
| Noncurrent loans to loans | 0.8429% | 1,809 |
| Net loans and leases to total assets | 82.4226% | 380 |
| Net loans and leases to deposits | 103.2729% | 403 |
| Net loans and leases to core deposits | 123.6168% | 349 |
| Total domestic deposits to total assets | 79.8105% | 3,878 |
| Equity capital to assets | 10.6323% | 2,637 |
| Core capital (leverage) ratio | 10.4246% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $776,682,000 | 1,048 |
| Average earning assets | $720,444,333 | 1,045 |
| Average equity | $83,055,000 | 1,104 |
| Average total loans | $631,498,000 | 926 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7542% | 1,548 |
| Cost of funding earning assets | 1.2897% | 582 |
| Net interest margin | 3.4645% | 3,098 |
| Noninterest income to average assets | 0.6257% | 1,926 |
| Noninterest expense to average assets | 2.6558% | 2,819 |
| Loan and lease loss provision to assets | 0.0394% | 3,283 |
| Net operating income to assets | 1.1383% | 1,725 |
| Return on assets (ROA) | 1.1414% | 1,825 |
| Pretax return on assets | 1.1403% | 2,393 |
| Return on Equity (ROE) | 10.6424% | 1,520 |
| Retained earnings to average equity (ytd only) | -1.4512% | 4,195 |
| Net charge-offs to loans | 0.0931% | 1,135 |
| Credit loss provision to net charge-offs | 52.7778% | 2,044 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 1,552 |
| Efficiency ratio | 69.2974% | 2,466 |
| Assets per employee ($millions) | 4.5240% | 3,224 |
| Cash dividends to net income (ytd only)* | 113.6364% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 2,926 |
| Loan loss allowance to noncurrent loans | 123.5971% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9847% | 1,344 |
| Noncurrent loans to loans | 0.9316% | 1,766 |
| Net loans and leases to total assets | 79.1606% | 795 |
| Net loans and leases to deposits | 100.4282% | 528 |
| Net loans and leases to core deposits | 121.4624% | 428 |
| Total domestic deposits to total assets | 78.8231% | 4,082 |
| Equity capital to assets | 10.7727% | 3,075 |
| Core capital (leverage) ratio | 10.8159% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $770,991,500 | 1,030 |
| Average earning assets | $713,645,500 | 1,018 |
| Average equity | $82,688,000 | 1,106 |
| Average total loans | $618,739,000 | 922 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9312% | 1,657 |
| Cost of funding earning assets | 1.3329% | 695 |
| Net interest margin | 3.5983% | 3,139 |
| Noninterest income to average assets | 0.6475% | 2,014 |
| Noninterest expense to average assets | 2.6409% | 3,058 |
| Loan and lease loss provision to assets | 0.0744% | 2,506 |
| Net operating income to assets | 1.2821% | 1,760 |
| Return on assets (ROA) | 1.2871% | 1,816 |
| Pretax return on assets | 1.2819% | 2,566 |
| Return on Equity (ROE) | 11.8757% | 1,563 |
| Retained earnings to average equity (ytd only) | -0.0255% | 4,704 |
| Net charge-offs to loans | 0.1923% | 1,052 |
| Credit loss provision to net charge-offs | 47.4391% | 3,150 |
| Earnings coverage of net charge-offs (x) | 8.6196% | 2,751 |
| Efficiency ratio | 66.1523% | 2,748 |
| Assets per employee ($millions) | 4.6282% | 3,049 |
| Cash dividends to net income (ytd only)* | 100.2147% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,683 |
| Loan loss allowance to noncurrent loans | 111.8594% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.9869% | 1,266 |
| Noncurrent loans to loans | 1.0296% | 1,472 |
| Net loans and leases to total assets | 79.4949% | 856 |
| Net loans and leases to deposits | 101.6671% | 493 |
| Net loans and leases to core deposits | 123.9527% | 383 |
| Total domestic deposits to total assets | 78.1914% | 4,331 |
| Equity capital to assets | 10.6774% | 3,275 |
| Core capital (leverage) ratio | 10.6485% | 2,810 |
| Tier 1 risk-based capital ratio | 13.5349% | 3,503 |
| Total risk-based capital ratio | 14.7147% | 3,432 |
| Memoranda: | ||
| Average total assets | $759,746,000 | 1,017 |
| Average earning assets | $706,192,400 | 1,007 |
| Average equity | $82,344,800 | 1,061 |
| Average total loans | $619,478,200 | 890 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 1,744 |
| Cost of funding earning assets | 1.3083% | 765 |
| Net interest margin | 3.6175% | 3,203 |
| Noninterest income to average assets | 0.6465% | 2,002 |
| Noninterest expense to average assets | 2.6306% | 3,075 |
| Loan and lease loss provision to assets | 0.0740% | 2,409 |
| Net operating income to assets | 1.3156% | 1,792 |
| Return on assets (ROA) | 1.3128% | 1,880 |
| Pretax return on assets | 1.3057% | 2,647 |
| Return on Equity (ROE) | 12.0662% | 1,597 |
| Retained earnings to average equity (ytd only) | 3.4799% | 3,668 |
| Net charge-offs to loans | 0.2380% | 748 |
| Credit loss provision to net charge-offs | 38.0090% | 2,866 |
| Earnings coverage of net charge-offs (x) | 7.0986% | 2,775 |
| Efficiency ratio | 65.5497% | 2,788 |
| Assets per employee ($millions) | 4.5237% | 3,160 |
| Cash dividends to net income (ytd only)* | 71.1600% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 2,782 |
| Loan loss allowance to noncurrent loans | 149.5156% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 1,735 |
| Noncurrent loans to loans | 0.7682% | 2,051 |
| Net loans and leases to total assets | 79.9159% | 857 |
| Net loans and leases to deposits | 103.0916% | 449 |
| Net loans and leases to core deposits | 126.2392% | 359 |
| Total domestic deposits to total assets | 77.5193% | 4,441 |
| Equity capital to assets | 11.0900% | 3,022 |
| Core capital (leverage) ratio | 11.0127% | 2,626 |
| Tier 1 risk-based capital ratio | 14.1252% | 3,269 |
| Total risk-based capital ratio | 15.3148% | 3,202 |
| Memoranda: | ||
| Average total assets | $756,456,000 | 1,021 |
| Average earning assets | $704,006,250 | 1,005 |
| Average equity | $82,299,500 | 1,053 |
| Average total loans | $618,952,750 | 892 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 1,840 |
| Cost of funding earning assets | 1.2537% | 857 |
| Net interest margin | 3.6189% | 3,195 |
| Noninterest income to average assets | 0.6036% | 2,131 |
| Noninterest expense to average assets | 2.6026% | 3,196 |
| Loan and lease loss provision to assets | 0.0769% | 2,274 |
| Net operating income to assets | 1.2983% | 1,776 |
| Return on assets (ROA) | 1.2940% | 1,856 |
| Pretax return on assets | 1.2906% | 2,591 |
| Return on Equity (ROE) | 11.9723% | 1,588 |
| Retained earnings to average equity (ytd only) | 0.9255% | 4,456 |
| Net charge-offs to loans | 0.3394% | 499 |
| Credit loss provision to net charge-offs | 27.5928% | 2,613 |
| Earnings coverage of net charge-offs (x) | 4.9191% | 2,702 |
| Efficiency ratio | 65.4850% | 2,893 |
| Assets per employee ($millions) | 4.4505% | 3,221 |
| Cash dividends to net income (ytd only)* | 92.2698% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 2,892 |
| Loan loss allowance to noncurrent loans | 335.1145% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 2,629 |
| Noncurrent loans to loans | 0.3377% | 3,329 |
| Net loans and leases to total assets | 79.7068% | 934 |
| Net loans and leases to deposits | 102.1426% | 529 |
| Net loans and leases to core deposits | 124.1055% | 428 |
| Total domestic deposits to total assets | 78.0348% | 4,389 |
| Equity capital to assets | 10.7443% | 3,310 |
| Core capital (leverage) ratio | 10.9404% | 2,652 |
| Tier 1 risk-based capital ratio | 13.9185% | 3,362 |
| Total risk-based capital ratio | 15.1032% | 3,294 |
| Memoranda: | ||
| Average total assets | $753,775,670 | 1,027 |
| Average earning assets | $702,099,000 | 1,010 |
| Average equity | $81,471,670 | 1,059 |
| Average total loans | $619,252,330 | 892 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 1,852 |
| Cost of funding earning assets | 1.1967% | 912 |
| Net interest margin | 3.6220% | 3,172 |
| Noninterest income to average assets | 0.5734% | 2,164 |
| Noninterest expense to average assets | 2.6118% | 3,183 |
| Loan and lease loss provision to assets | 0.0606% | 2,445 |
| Net operating income to assets | 1.2681% | 1,822 |
| Return on assets (ROA) | 1.2681% | 1,871 |
| Pretax return on assets | 1.2681% | 2,576 |
| Return on Equity (ROE) | 11.6964% | 1,653 |
| Retained earnings to average equity (ytd only) | -5.6206% | 4,954 |
| Net charge-offs to loans | 0.1746% | 783 |
| Credit loss provision to net charge-offs | 41.8519% | 2,015 |
| Earnings coverage of net charge-offs (x) | 9.1741% | 2,047 |
| Efficiency ratio | 66.2810% | 2,903 |
| Assets per employee ($millions) | 4.4821% | 3,219 |
| Cash dividends to net income (ytd only)* | 148.0541% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,329 |
| Loan loss allowance to noncurrent loans | 255.0318% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 2,419 |
| Noncurrent loans to loans | 0.4901% | 2,844 |
| Net loans and leases to total assets | 80.0356% | 829 |
| Net loans and leases to deposits | 101.1173% | 551 |
| Net loans and leases to core deposits | 123.7946% | 430 |
| Total domestic deposits to total assets | 79.1512% | 4,328 |
| Equity capital to assets | 10.7013% | 3,160 |
| Core capital (leverage) ratio | 10.9622% | 2,607 |
| Tier 1 risk-based capital ratio | 13.8540% | 3,422 |
| Total risk-based capital ratio | 15.1046% | 3,332 |
| Memoranda: | ||
| Average total assets | $745,698,000 | 1,034 |
| Average earning assets | $693,211,000 | 1,020 |
| Average equity | $80,845,500 | 1,064 |
| Average total loans | $618,523,000 | 898 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 1,707 |
| Cost of funding earning assets | 1.0768% | 539 |
| Net interest margin | 3.6631% | 3,183 |
| Noninterest income to average assets | 0.5438% | 2,587 |
| Noninterest expense to average assets | 2.6009% | 3,330 |
| Loan and lease loss provision to assets | 0.0228% | 3,713 |
| Net operating income to assets | 1.3273% | 1,690 |
| Return on assets (ROA) | 1.3246% | 1,694 |
| Pretax return on assets | 1.3246% | 2,416 |
| Return on Equity (ROE) | 12.7038% | 1,467 |
| Retained earnings to average equity (ytd only) | 2.2516% | 4,255 |
| Net charge-offs to loans | 0.0844% | 1,938 |
| Credit loss provision to net charge-offs | 31.9266% | 3,339 |
| Earnings coverage of net charge-offs (x) | 18.8679% | 2,106 |
| Efficiency ratio | 65.8281% | 2,892 |
| Assets per employee ($millions) | 4.3692% | 3,350 |
| Cash dividends to net income (ytd only)* | 82.2760% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,343 |
| Loan loss allowance to noncurrent loans | 238.8037% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 2,196 |
| Noncurrent loans to loans | 0.5201% | 2,716 |
| Net loans and leases to total assets | 83.8256% | 428 |
| Net loans and leases to deposits | 110.4760% | 241 |
| Net loans and leases to core deposits | 133.5559% | 266 |
| Total domestic deposits to total assets | 75.8768% | 4,767 |
| Equity capital to assets | 10.9846% | 2,703 |
| Core capital (leverage) ratio | 11.1597% | 2,389 |
| Tier 1 risk-based capital ratio | 13.6730% | 3,454 |
| Total risk-based capital ratio | 14.9236% | 3,375 |
| Memoranda: | ||
| Average total assets | $761,614,200 | 987 |
| Average earning assets | $708,419,600 | 975 |
| Average equity | $79,409,600 | 1,034 |
| Average total loans | $645,921,000 | 843 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6988% | 1,680 |
| Cost of funding earning assets | 1.0599% | 464 |
| Net interest margin | 3.6388% | 3,234 |
| Noninterest income to average assets | 0.5761% | 2,441 |
| Noninterest expense to average assets | 2.5458% | 3,455 |
| Loan and lease loss provision to assets | 0.0129% | 3,740 |
| Net operating income to assets | 1.4042% | 1,475 |
| Return on assets (ROA) | 1.4005% | 1,489 |
| Pretax return on assets | 1.4005% | 2,229 |
| Return on Equity (ROE) | 13.6074% | 1,234 |
| Retained earnings to average equity (ytd only) | 0.4406% | 4,961 |
| Net charge-offs to loans | 0.0900% | 1,605 |
| Credit loss provision to net charge-offs | 16.8565% | 3,034 |
| Earnings coverage of net charge-offs (x) | 18.5785% | 2,045 |
| Efficiency ratio | 64.2422% | 3,142 |
| Assets per employee ($millions) | 4.3629% | 3,339 |
| Cash dividends to net income (ytd only)* | 96.7622% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,503 |
| Loan loss allowance to noncurrent loans | 253.3659% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 2,015 |
| Noncurrent loans to loans | 0.4817% | 2,943 |
| Net loans and leases to total assets | 84.5203% | 397 |
| Net loans and leases to deposits | 111.6572% | 243 |
| Net loans and leases to core deposits | 134.4602% | 262 |
| Total domestic deposits to total assets | 75.6963% | 4,821 |
| Equity capital to assets | 10.5553% | 3,088 |
| Core capital (leverage) ratio | 10.8638% | 2,710 |
| Tier 1 risk-based capital ratio | 13.0604% | 3,870 |
| Total risk-based capital ratio | 14.3105% | 3,783 |
| Memoranda: | ||
| Average total assets | $767,418,500 | 979 |
| Average earning assets | $714,237,250 | 970 |
| Average equity | $78,984,500 | 1,032 |
| Average total loans | $650,713,500 | 841 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 1,978 |
| Cost of funding earning assets | 1.0525% | 362 |
| Net interest margin | 3.4833% | 3,693 |
| Noninterest income to average assets | 0.5782% | 2,438 |
| Noninterest expense to average assets | 2.5120% | 3,599 |
| Loan and lease loss provision to assets | 0.0106% | 3,643 |
| Net operating income to assets | 1.2978% | 1,782 |
| Return on assets (ROA) | 1.2924% | 1,795 |
| Pretax return on assets | 1.2924% | 2,544 |
| Return on Equity (ROE) | 12.6608% | 1,489 |
| Retained earnings to average equity (ytd only) | -3.2759% | 5,225 |
| Net charge-offs to loans | 0.0586% | 1,764 |
| Credit loss provision to net charge-offs | 21.3542% | 2,682 |
| Earnings coverage of net charge-offs (x) | 26.3906% | 1,602 |
| Efficiency ratio | 65.7519% | 3,023 |
| Assets per employee ($millions) | 4.6516% | 2,884 |
| Cash dividends to net income (ytd only)* | 125.8741% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,620 |
| Loan loss allowance to noncurrent loans | 78.0519% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.6109% | 790 |
| Noncurrent loans to loans | 1.5599% | 1,052 |
| Net loans and leases to total assets | 83.6092% | 512 |
| Net loans and leases to deposits | 110.7987% | 261 |
| Net loans and leases to core deposits | 132.9478% | 279 |
| Total domestic deposits to total assets | 75.4604% | 4,907 |
| Equity capital to assets | 9.9977% | 3,620 |
| Core capital (leverage) ratio | 10.2744% | 3,261 |
| Tier 1 risk-based capital ratio | 12.3497% | 4,276 |
| Total risk-based capital ratio | 13.5996% | 4,164 |
| Memoranda: | ||
| Average total assets | $774,537,330 | 977 |
| Average earning assets | $720,930,670 | 968 |
| Average equity | $79,063,000 | 1,032 |
| Average total loans | $654,829,670 | 841 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 1,985 |
| Cost of funding earning assets | 1.0360% | 313 |
| Net interest margin | 3.4264% | 3,790 |
| Noninterest income to average assets | 0.5400% | 2,574 |
| Noninterest expense to average assets | 2.4836% | 3,700 |
| Loan and lease loss provision to assets | 0.0067% | 3,419 |
| Net operating income to assets | 1.2485% | 1,812 |
| Return on assets (ROA) | 1.2485% | 1,824 |
| Pretax return on assets | 1.2485% | 2,560 |
| Return on Equity (ROE) | 12.1059% | 1,546 |
| Retained earnings to average equity (ytd only) | 2.0762% | 4,332 |
| Net charge-offs to loans | 0.0294% | 1,909 |
| Credit loss provision to net charge-offs | 27.0833% | 2,090 |
| Earnings coverage of net charge-offs (x) | 50.5625% | 940 |
| Efficiency ratio | 66.4269% | 3,092 |
| Assets per employee ($millions) | 4.6347% | 2,956 |
| Cash dividends to net income (ytd only)* | 82.8500% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,563 |
| Loan loss allowance to noncurrent loans | 83.6354% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.5198% | 909 |
| Noncurrent loans to loans | 1.4848% | 1,189 |
| Net loans and leases to total assets | 82.4531% | 607 |
| Net loans and leases to deposits | 108.7501% | 301 |
| Net loans and leases to core deposits | 130.8285% | 325 |
| Total domestic deposits to total assets | 75.8188% | 4,978 |
| Equity capital to assets | 10.1541% | 3,447 |
| Core capital (leverage) ratio | 10.4462% | 3,011 |
| Tier 1 risk-based capital ratio | 12.8551% | 4,032 |
| Total risk-based capital ratio | 14.1055% | 3,926 |
| Memoranda: | ||
| Average total assets | $773,397,000 | 984 |
| Average earning assets | $722,038,000 | 977 |
| Average equity | $79,762,500 | 1,032 |
| Average total loans | $653,496,500 | 843 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 1,593 |
| Cost of funding earning assets | 0.9533% | 281 |
| Net interest margin | 3.5846% | 3,224 |
| Noninterest income to average assets | 0.5854% | 2,519 |
| Noninterest expense to average assets | 2.5127% | 3,741 |
| Loan and lease loss provision to assets | 0.0587% | 3,058 |
| Net operating income to assets | 1.3479% | 1,120 |
| Return on assets (ROA) | 1.3480% | 1,142 |
| Pretax return on assets | 1.3451% | 2,192 |
| Return on Equity (ROE) | 13.1124% | 930 |
| Retained earnings to average equity (ytd only) | 4.3043% | 2,575 |
| Net charge-offs to loans | 0.1064% | 2,004 |
| Credit loss provision to net charge-offs | 64.9485% | 3,165 |
| Earnings coverage of net charge-offs (x) | 15.5243% | 2,240 |
| Efficiency ratio | 64.1584% | 3,581 |
| Assets per employee ($millions) | 4.5448% | 3,121 |
| Cash dividends to net income (ytd only)* | 67.1738% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,481 |
| Loan loss allowance to noncurrent loans | 93.8334% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.4416% | 973 |
| Noncurrent loans to loans | 1.3310% | 1,309 |
| Net loans and leases to total assets | 84.4618% | 399 |
| Net loans and leases to deposits | 112.5195% | 200 |
| Net loans and leases to core deposits | 133.5788% | 283 |
| Total domestic deposits to total assets | 75.0641% | 5,086 |
| Equity capital to assets | 10.4766% | 3,191 |
| Core capital (leverage) ratio | 10.5795% | 2,763 |
| Tier 1 risk-based capital ratio | 12.6243% | 4,133 |
| Total risk-based capital ratio | 13.8747% | 4,022 |
| Memoranda: | ||
| Average total assets | $750,952,200 | 986 |
| Average earning assets | $697,818,600 | 977 |
| Average equity | $77,201,800 | 1,046 |
| Average total loans | $638,392,400 | 820 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3437% | 2,128 |
| Cost of funding earning assets | 0.9272% | 300 |
| Net interest margin | 3.4165% | 3,789 |
| Noninterest income to average assets | 0.6356% | 2,279 |
| Noninterest expense to average assets | 2.4984% | 3,741 |
| Loan and lease loss provision to assets | 0.0357% | 3,400 |
| Net operating income to assets | 1.2793% | 1,404 |
| Return on assets (ROA) | 1.2794% | 1,434 |
| Pretax return on assets | 1.2775% | 2,600 |
| Return on Equity (ROE) | 12.5061% | 1,186 |
| Retained earnings to average equity (ytd only) | 0.6553% | 5,075 |
| Net charge-offs to loans | 0.0397% | 2,642 |
| Credit loss provision to net charge-offs | 105.8201% | 2,195 |
| Earnings coverage of net charge-offs (x) | 38.9635% | 1,330 |
| Efficiency ratio | 65.5518% | 3,284 |
| Assets per employee ($millions) | 4.5181% | 3,104 |
| Cash dividends to net income (ytd only)* | 94.7603% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,487 |
| Loan loss allowance to noncurrent loans | 64.6439% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.0088% | 641 |
| Noncurrent loans to loans | 1.9719% | 868 |
| Net loans and leases to total assets | 86.2737% | 243 |
| Net loans and leases to deposits | 116.4814% | 147 |
| Net loans and leases to core deposits | 137.9937% | 231 |
| Total domestic deposits to total assets | 74.0665% | 5,229 |
| Equity capital to assets | 10.2467% | 3,644 |
| Core capital (leverage) ratio | 10.4659% | 3,027 |
| Tier 1 risk-based capital ratio | 12.2259% | 4,479 |
| Total risk-based capital ratio | 13.4769% | 4,373 |
| Memoranda: | ||
| Average total assets | $747,809,500 | 992 |
| Average earning assets | $695,122,250 | 987 |
| Average equity | $76,504,500 | 1,059 |
| Average total loans | $634,730,250 | 829 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 2,184 |
| Cost of funding earning assets | 0.9178% | 272 |
| Net interest margin | 3.3664% | 3,891 |
| Noninterest income to average assets | 0.6266% | 2,336 |
| Noninterest expense to average assets | 2.4757% | 3,829 |
| Loan and lease loss provision to assets | 0.0405% | 3,197 |
| Net operating income to assets | 1.2385% | 1,480 |
| Return on assets (ROA) | 1.2388% | 1,509 |
| Pretax return on assets | 1.2358% | 2,635 |
| Return on Equity (ROE) | 12.1152% | 1,267 |
| Retained earnings to average equity (ytd only) | -1.2645% | 5,261 |
| Net charge-offs to loans | 0.0233% | 2,760 |
| Credit loss provision to net charge-offs | 206.8493% | 1,244 |
| Earnings coverage of net charge-offs (x) | 65.1644% | 890 |
| Efficiency ratio | 65.9874% | 3,354 |
| Assets per employee ($millions) | 4.5411% | 3,039 |
| Cash dividends to net income (ytd only)* | 110.4374% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,322 |
| Loan loss allowance to noncurrent loans | 66.9935% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.0312% | 623 |
| Noncurrent loans to loans | 1.9671% | 861 |
| Net loans and leases to total assets | 85.7071% | 292 |
| Net loans and leases to deposits | 113.8186% | 198 |
| Net loans and leases to core deposits | 128.0402% | 343 |
| Total domestic deposits to total assets | 75.3015% | 5,169 |
| Equity capital to assets | 10.3470% | 3,520 |
| Core capital (leverage) ratio | 10.2549% | 3,194 |
| Tier 1 risk-based capital ratio | 12.3943% | 4,357 |
| Total risk-based capital ratio | 13.6458% | 4,245 |
| Memoranda: | ||
| Average total assets | $745,574,330 | 1,000 |
| Average earning assets | $692,125,670 | 994 |
| Average equity | $76,235,000 | 1,067 |
| Average total loans | $626,522,670 | 842 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2063% | 2,260 |
| Cost of funding earning assets | 0.9129% | 260 |
| Net interest margin | 3.2934% | 4,031 |
| Noninterest income to average assets | 0.5768% | 2,530 |
| Noninterest expense to average assets | 2.4280% | 4,035 |
| Loan and lease loss provision to assets | 0.0625% | 2,553 |
| Net operating income to assets | 1.1451% | 1,690 |
| Return on assets (ROA) | 1.1456% | 1,726 |
| Pretax return on assets | 1.1397% | 2,824 |
| Return on Equity (ROE) | 11.2703% | 1,477 |
| Retained earnings to average equity (ytd only) | -4.5071% | 5,357 |
| Net charge-offs to loans | -0.2413% | 5,649 |
| Credit loss provision to net charge-offs | -31.3673% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8925% | 3,355 |
| Assets per employee ($millions) | 4.7011% | 2,845 |
| Cash dividends to net income (ytd only)* | 139.9907% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,985 |
| Loan loss allowance to noncurrent loans | 154.0756% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.1220% | 1,580 |
| Noncurrent loans to loans | 0.9227% | 2,195 |
| Net loans and leases to total assets | 80.8908% | 711 |
| Net loans and leases to deposits | 106.3404% | 312 |
| Net loans and leases to core deposits | 120.4049% | 454 |
| Total domestic deposits to total assets | 76.0678% | 5,222 |
| Equity capital to assets | 9.9449% | 3,820 |
| Core capital (leverage) ratio | 10.0868% | 3,389 |
| Tier 1 risk-based capital ratio | 12.6397% | 4,298 |
| Total risk-based capital ratio | 13.8924% | 4,203 |
| Memoranda: | ||
| Average total assets | $748,262,500 | 996 |
| Average earning assets | $693,630,000 | 995 |
| Average equity | $76,058,500 | 1,064 |
| Average total loans | $618,347,000 | 851 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 1,835 |
| Cost of funding earning assets | 0.9027% | 294 |
| Net interest margin | 3.4928% | 3,462 |
| Noninterest income to average assets | 0.5977% | 2,676 |
| Noninterest expense to average assets | 2.4907% | 4,043 |
| Loan and lease loss provision to assets | 0.2037% | 1,120 |
| Net operating income to assets | 1.3047% | 1,202 |
| Return on assets (ROA) | 1.3079% | 1,262 |
| Pretax return on assets | 1.1421% | 2,929 |
| Return on Equity (ROE) | 12.7970% | 1,045 |
| Retained earnings to average equity (ytd only) | 5.3204% | 2,116 |
| Net charge-offs to loans | 0.1892% | 1,465 |
| Credit loss provision to net charge-offs | 127.3891% | 2,102 |
| Earnings coverage of net charge-offs (x) | 8.3951% | 2,876 |
| Efficiency ratio | 64.9758% | 3,765 |
| Assets per employee ($millions) | 4.5089% | 3,098 |
| Cash dividends to net income (ytd only)* | 58.4246% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 2,213 |
| Loan loss allowance to noncurrent loans | 151.7628% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.4939% | 1,118 |
| Noncurrent loans to loans | 0.9041% | 2,290 |
| Net loans and leases to total assets | 82.0970% | 592 |
| Net loans and leases to deposits | 103.7474% | 439 |
| Net loans and leases to core deposits | 127.0061% | 328 |
| Total domestic deposits to total assets | 79.1316% | 4,764 |
| Equity capital to assets | 10.3925% | 3,283 |
| Core capital (leverage) ratio | 10.3893% | 3,005 |
| Tier 1 risk-based capital ratio | 13.0261% | 4,053 |
| Total risk-based capital ratio | 14.2783% | 3,962 |
| Memoranda: | ||
| Average total assets | $732,835,600 | 982 |
| Average earning assets | $678,880,200 | 979 |
| Average equity | $74,900,400 | 1,061 |
| Average total loans | $619,422,000 | 804 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 1,833 |
| Cost of funding earning assets | 0.8923% | 307 |
| Net interest margin | 3.5176% | 3,403 |
| Noninterest income to average assets | 0.6108% | 2,606 |
| Noninterest expense to average assets | 2.5244% | 3,910 |
| Loan and lease loss provision to assets | 0.2094% | 1,008 |
| Net operating income to assets | 1.3573% | 1,152 |
| Return on assets (ROA) | 1.3582% | 1,228 |
| Pretax return on assets | 1.1410% | 3,081 |
| Return on Equity (ROE) | 13.3454% | 961 |
| Retained earnings to average equity (ytd only) | 3.3274% | 3,904 |
| Net charge-offs to loans | 0.1781% | 1,306 |
| Credit loss provision to net charge-offs | 138.5542% | 1,882 |
| Earnings coverage of net charge-offs (x) | 8.9301% | 2,723 |
| Efficiency ratio | 65.1643% | 3,737 |
| Assets per employee ($millions) | 4.5506% | 3,000 |
| Cash dividends to net income (ytd only)* | 75.0670% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 2,438 |
| Loan loss allowance to noncurrent loans | 118.2446% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.5632% | 1,126 |
| Noncurrent loans to loans | 1.1417% | 1,968 |
| Net loans and leases to total assets | 82.6844% | 548 |
| Net loans and leases to deposits | 106.5415% | 360 |
| Net loans and leases to core deposits | 130.8475% | 288 |
| Total domestic deposits to total assets | 77.6077% | 4,981 |
| Equity capital to assets | 10.1713% | 3,955 |
| Core capital (leverage) ratio | 10.2306% | 3,301 |
| Tier 1 risk-based capital ratio | 12.4672% | 4,501 |
| Total risk-based capital ratio | 13.7191% | 4,390 |
| Memoranda: | ||
| Average total assets | $732,308,250 | 984 |
| Average earning assets | $679,305,750 | 981 |
| Average equity | $74,530,750 | 1,072 |
| Average total loans | $621,337,000 | 800 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 1,787 |
| Cost of funding earning assets | 0.8824% | 318 |
| Net interest margin | 3.5327% | 3,359 |
| Noninterest income to average assets | 0.5768% | 2,741 |
| Noninterest expense to average assets | 2.5259% | 3,969 |
| Loan and lease loss provision to assets | 0.1975% | 1,093 |
| Net operating income to assets | 1.3832% | 1,090 |
| Return on assets (ROA) | 1.3846% | 1,151 |
| Pretax return on assets | 1.1314% | 3,084 |
| Return on Equity (ROE) | 13.6017% | 904 |
| Retained earnings to average equity (ytd only) | 1.7460% | 4,688 |
| Net charge-offs to loans | 0.2260% | 1,034 |
| Credit loss provision to net charge-offs | 102.5641% | 2,058 |
| Earnings coverage of net charge-offs (x) | 6.8946% | 2,690 |
| Efficiency ratio | 65.5491% | 3,751 |
| Assets per employee ($millions) | 4.4219% | 3,178 |
| Cash dividends to net income (ytd only)* | 87.1632% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 2,905 |
| Loan loss allowance to noncurrent loans | 95.3004% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.7768% | 977 |
| Noncurrent loans to loans | 1.3419% | 1,677 |
| Net loans and leases to total assets | 85.6085% | 281 |
| Net loans and leases to deposits | 110.6381% | 238 |
| Net loans and leases to core deposits | 135.2146% | 232 |
| Total domestic deposits to total assets | 77.3770% | 5,105 |
| Equity capital to assets | 10.2114% | 3,960 |
| Core capital (leverage) ratio | 10.0828% | 3,471 |
| Tier 1 risk-based capital ratio | 11.9439% | 4,866 |
| Total risk-based capital ratio | 13.1947% | 4,776 |
| Memoranda: | ||
| Average total assets | $729,163,330 | 991 |
| Average earning assets | $676,310,670 | 990 |
| Average equity | $74,226,000 | 1,078 |
| Average total loans | $621,216,330 | 798 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4014% | 1,792 |
| Cost of funding earning assets | 0.8790% | 320 |
| Net interest margin | 3.5224% | 3,380 |
| Noninterest income to average assets | 0.5334% | 2,908 |
| Noninterest expense to average assets | 2.4814% | 4,125 |
| Loan and lease loss provision to assets | 0.1668% | 1,238 |
| Net operating income to assets | 1.3960% | 1,042 |
| Return on assets (ROA) | 1.3987% | 1,096 |
| Pretax return on assets | 1.1557% | 2,868 |
| Return on Equity (ROE) | 13.7622% | 885 |
| Retained earnings to average equity (ytd only) | -1.8951% | 5,379 |
| Net charge-offs to loans | 0.2275% | 898 |
| Credit loss provision to net charge-offs | 86.8571% | 1,786 |
| Earnings coverage of net charge-offs (x) | 6.8714% | 2,202 |
| Efficiency ratio | 65.2808% | 3,930 |
| Assets per employee ($millions) | 4.5940% | 2,908 |
| Cash dividends to net income (ytd only)* | 113.7701% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,929 |
| Loan loss allowance to noncurrent loans | 91.2055% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.7909% | 1,040 |
| Noncurrent loans to loans | 1.4202% | 1,676 |
| Net loans and leases to total assets | 83.2160% | 437 |
| Net loans and leases to deposits | 107.7469% | 291 |
| Net loans and leases to core deposits | 131.1193% | 255 |
| Total domestic deposits to total assets | 77.2328% | 5,260 |
| Equity capital to assets | 10.0531% | 4,009 |
| Core capital (leverage) ratio | 9.9877% | 3,545 |
| Tier 1 risk-based capital ratio | 12.0151% | 4,906 |
| Total risk-based capital ratio | 13.2660% | 4,823 |
| Memoranda: | ||
| Average total assets | $728,937,000 | 996 |
| Average earning assets | $676,244,500 | 987 |
| Average equity | $74,087,000 | 1,073 |
| Average total loans | $615,472,500 | 807 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 1,730 |
| Cost of funding earning assets | 0.9413% | 235 |
| Net interest margin | 3.5138% | 3,473 |
| Noninterest income to average assets | 0.5940% | 2,749 |
| Noninterest expense to average assets | 2.6474% | 3,764 |
| Loan and lease loss provision to assets | 0.1584% | 1,463 |
| Net operating income to assets | 1.1041% | 1,905 |
| Return on assets (ROA) | 1.1148% | 1,922 |
| Pretax return on assets | 1.0510% | 3,263 |
| Return on Equity (ROE) | 10.8852% | 1,651 |
| Retained earnings to average equity (ytd only) | 2.7189% | 4,134 |
| Net charge-offs to loans | 0.2208% | 1,341 |
| Credit loss provision to net charge-offs | 85.4435% | 2,846 |
| Earnings coverage of net charge-offs (x) | 6.4655% | 3,224 |
| Efficiency ratio | 68.8338% | 3,434 |
| Assets per employee ($millions) | 4.4619% | 3,103 |
| Cash dividends to net income (ytd only)* | 75.0221% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 2,791 |
| Loan loss allowance to noncurrent loans | 80.6977% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 2.0742% | 836 |
| Noncurrent loans to loans | 1.6367% | 1,392 |
| Net loans and leases to total assets | 83.4458% | 438 |
| Net loans and leases to deposits | 108.7228% | 275 |
| Net loans and leases to core deposits | 132.4969% | 238 |
| Total domestic deposits to total assets | 76.7510% | 5,359 |
| Equity capital to assets | 10.2761% | 3,651 |
| Core capital (leverage) ratio | 10.2250% | 3,235 |
| Tier 1 risk-based capital ratio | 12.2821% | 4,771 |
| Total risk-based capital ratio | 13.5335% | 4,671 |
| Memoranda: | ||
| Average total assets | $711,440,200 | 977 |
| Average earning assets | $658,453,400 | 971 |
| Average equity | $72,860,200 | 1,049 |
| Average total loans | $597,374,800 | 781 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 1,758 |
| Cost of funding earning assets | 0.9565% | 220 |
| Net interest margin | 3.4927% | 3,565 |
| Noninterest income to average assets | 0.5982% | 2,753 |
| Noninterest expense to average assets | 2.5731% | 3,970 |
| Loan and lease loss provision to assets | 0.1430% | 1,541 |
| Net operating income to assets | 1.1608% | 1,796 |
| Return on assets (ROA) | 1.1749% | 1,808 |
| Pretax return on assets | 1.1303% | 3,097 |
| Return on Equity (ROE) | 11.4821% | 1,533 |
| Retained earnings to average equity (ytd only) | 2.3795% | 4,689 |
| Net charge-offs to loans | 0.2050% | 1,264 |
| Credit loss provision to net charge-offs | 83.2421% | 2,564 |
| Earnings coverage of net charge-offs (x) | 7.3297% | 2,925 |
| Efficiency ratio | 67.1429% | 3,682 |
| Assets per employee ($millions) | 4.5365% | 2,945 |
| Cash dividends to net income (ytd only)* | 79.2761% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 2,918 |
| Loan loss allowance to noncurrent loans | 72.2866% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 2.3033% | 795 |
| Noncurrent loans to loans | 1.8510% | 1,262 |
| Net loans and leases to total assets | 84.5234% | 345 |
| Net loans and leases to deposits | 110.9390% | 233 |
| Net loans and leases to core deposits | 135.6954% | 210 |
| Total domestic deposits to total assets | 76.1891% | 5,461 |
| Equity capital to assets | 10.4033% | 3,705 |
| Core capital (leverage) ratio | 10.1542% | 3,432 |
| Tier 1 risk-based capital ratio | 12.3133% | 4,881 |
| Total risk-based capital ratio | 13.5649% | 4,783 |
| Memoranda: | ||
| Average total assets | $708,592,750 | 985 |
| Average earning assets | $656,126,750 | 976 |
| Average equity | $72,505,500 | 1,058 |
| Average total loans | $593,907,500 | 791 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 1,792 |
| Cost of funding earning assets | 0.9674% | 203 |
| Net interest margin | 3.4505% | 3,708 |
| Noninterest income to average assets | 0.5834% | 2,833 |
| Noninterest expense to average assets | 2.5479% | 4,080 |
| Loan and lease loss provision to assets | 0.1371% | 1,599 |
| Net operating income to assets | 1.1573% | 1,753 |
| Return on assets (ROA) | 1.1785% | 1,741 |
| Pretax return on assets | 1.1116% | 3,123 |
| Return on Equity (ROE) | 11.5814% | 1,505 |
| Retained earnings to average equity (ytd only) | 2.0157% | 4,691 |
| Net charge-offs to loans | 0.2038% | 1,237 |
| Credit loss provision to net charge-offs | 80.8652% | 2,319 |
| Earnings coverage of net charge-offs (x) | 7.2396% | 2,693 |
| Efficiency ratio | 67.4862% | 3,746 |
| Assets per employee ($millions) | 4.4739% | 3,027 |
| Cash dividends to net income (ytd only)* | 82.5952% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 2,939 |
| Loan loss allowance to noncurrent loans | 70.0834% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.2904% | 886 |
| Noncurrent loans to loans | 1.9387% | 1,283 |
| Net loans and leases to total assets | 83.1768% | 451 |
| Net loans and leases to deposits | 108.4586% | 294 |
| Net loans and leases to core deposits | 132.0922% | 243 |
| Total domestic deposits to total assets | 76.6898% | 5,503 |
| Equity capital to assets | 10.1297% | 3,897 |
| Core capital (leverage) ratio | 10.0809% | 3,491 |
| Tier 1 risk-based capital ratio | 12.2466% | 4,971 |
| Total risk-based capital ratio | 13.4984% | 4,874 |
| Memoranda: | ||
| Average total assets | $708,894,000 | 985 |
| Average earning assets | $655,797,330 | 978 |
| Average equity | $72,133,000 | 1,065 |
| Average total loans | $589,785,000 | 796 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 1,863 |
| Cost of funding earning assets | 0.9674% | 207 |
| Net interest margin | 3.4049% | 3,824 |
| Noninterest income to average assets | 0.5421% | 3,011 |
| Noninterest expense to average assets | 2.5317% | 4,168 |
| Loan and lease loss provision to assets | 0.1300% | 1,592 |
| Net operating income to assets | 1.0491% | 2,037 |
| Return on assets (ROA) | 1.0802% | 2,051 |
| Pretax return on assets | 1.0587% | 3,268 |
| Return on Equity (ROE) | 10.5916% | 1,769 |
| Retained earnings to average equity (ytd only) | -3.5416% | 5,834 |
| Net charge-offs to loans | 0.0568% | 2,193 |
| Credit loss provision to net charge-offs | 277.1084% | 864 |
| Earnings coverage of net charge-offs (x) | 24.6747% | 1,287 |
| Efficiency ratio | 68.6226% | 3,723 |
| Assets per employee ($millions) | 4.4326% | 3,159 |
| Cash dividends to net income (ytd only)* | 133.4380% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 2,810 |
| Loan loss allowance to noncurrent loans | 67.6423% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.4129% | 903 |
| Noncurrent loans to loans | 2.1053% | 1,224 |
| Net loans and leases to total assets | 82.1032% | 452 |
| Net loans and leases to deposits | 106.3415% | 305 |
| Net loans and leases to core deposits | 128.9678% | 252 |
| Total domestic deposits to total assets | 77.2072% | 5,581 |
| Equity capital to assets | 10.1771% | 3,910 |
| Core capital (leverage) ratio | 9.9883% | 3,616 |
| Tier 1 risk-based capital ratio | 12.4605% | 4,931 |
| Total risk-based capital ratio | 13.7134% | 4,848 |
| Memoranda: | ||
| Average total assets | $707,663,500 | 983 |
| Average earning assets | $654,124,500 | 982 |
| Average equity | $72,170,500 | 1,066 |
| Average total loans | $584,761,500 | 799 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 1,633 |
| Cost of funding earning assets | 1.0209% | 206 |
| Net interest margin | 3.5501% | 3,601 |
| Noninterest income to average assets | 0.5664% | 3,077 |
| Noninterest expense to average assets | 2.6216% | 4,137 |
| Loan and lease loss provision to assets | 0.2041% | 1,234 |
| Net operating income to assets | 0.6235% | 4,257 |
| Return on assets (ROA) | 0.6337% | 4,320 |
| Pretax return on assets | 1.0250% | 3,405 |
| Return on Equity (ROE) | 6.2999% | 4,001 |
| Retained earnings to average equity (ytd only) | 2.0912% | 4,733 |
| Net charge-offs to loans | 0.2527% | 1,693 |
| Credit loss provision to net charge-offs | 97.8307% | 2,476 |
| Earnings coverage of net charge-offs (x) | 5.8153% | 3,350 |
| Efficiency ratio | 68.3646% | 3,832 |
| Assets per employee ($millions) | 4.3319% | 3,304 |
| Cash dividends to net income (ytd only)* | 66.8049% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 2,812 |
| Loan loss allowance to noncurrent loans | 59.5976% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.6216% | 859 |
| Noncurrent loans to loans | 2.3959% | 1,077 |
| Net loans and leases to total assets | 80.8027% | 639 |
| Net loans and leases to deposits | 104.8896% | 404 |
| Net loans and leases to core deposits | 131.4831% | 228 |
| Total domestic deposits to total assets | 77.0360% | 5,598 |
| Equity capital to assets | 10.2197% | 3,832 |
| Core capital (leverage) ratio | 10.4903% | 2,955 |
| Tier 1 risk-based capital ratio | 13.4662% | 4,434 |
| Total risk-based capital ratio | 14.7196% | 4,372 |
| Memoranda: | ||
| Average total assets | $685,002,800 | 975 |
| Average earning assets | $630,627,800 | 974 |
| Average equity | $68,906,400 | 1,069 |
| Average total loans | $565,430,200 | 787 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,662 |
| Cost of funding earning assets | 1.0258% | 219 |
| Net interest margin | 3.5381% | 3,681 |
| Noninterest income to average assets | 0.5755% | 3,024 |
| Noninterest expense to average assets | 2.6171% | 4,142 |
| Loan and lease loss provision to assets | 0.1965% | 1,223 |
| Net operating income to assets | 0.4992% | 4,876 |
| Return on assets (ROA) | 0.5088% | 4,908 |
| Pretax return on assets | 1.0345% | 3,450 |
| Return on Equity (ROE) | 5.0792% | 4,684 |
| Retained earnings to average equity (ytd only) | -0.0117% | 5,794 |
| Net charge-offs to loans | 0.2941% | 1,341 |
| Credit loss provision to net charge-offs | 80.8065% | 2,578 |
| Earnings coverage of net charge-offs (x) | 4.9992% | 3,339 |
| Efficiency ratio | 68.2770% | 3,813 |
| Assets per employee ($millions) | 4.1540% | 3,558 |
| Cash dividends to net income (ytd only)* | 100.2313% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 3,316 |
| Loan loss allowance to noncurrent loans | 56.1533% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.8319% | 864 |
| Noncurrent loans to loans | 2.4341% | 1,220 |
| Net loans and leases to total assets | 84.3247% | 318 |
| Net loans and leases to deposits | 110.2386% | 212 |
| Net loans and leases to core deposits | 138.8455% | 158 |
| Total domestic deposits to total assets | 76.4929% | 5,753 |
| Equity capital to assets | 10.1276% | 4,011 |
| Core capital (leverage) ratio | 10.4354% | 3,112 |
| Tier 1 risk-based capital ratio | 13.0212% | 4,855 |
| Total risk-based capital ratio | 14.2739% | 4,776 |
| Memoranda: | ||
| Average total assets | $679,727,500 | 994 |
| Average earning assets | $625,825,250 | 989 |
| Average equity | $68,092,500 | 1,085 |
| Average total loans | $562,083,750 | 788 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 1,818 |
| Cost of funding earning assets | 1.0225% | 231 |
| Net interest margin | 3.4805% | 3,858 |
| Noninterest income to average assets | 0.5473% | 3,148 |
| Noninterest expense to average assets | 2.5873% | 4,285 |
| Loan and lease loss provision to assets | 0.1975% | 1,234 |
| Net operating income to assets | 0.1766% | 5,901 |
| Return on assets (ROA) | 0.1910% | 5,910 |
| Pretax return on assets | 0.9834% | 3,543 |
| Return on Equity (ROE) | 1.9138% | 5,858 |
| Retained earnings to average equity (ytd only) | -2.8262% | 6,082 |
| Net charge-offs to loans | 0.3581% | 1,144 |
| Credit loss provision to net charge-offs | 67.4747% | 2,515 |
| Earnings coverage of net charge-offs (x) | 3.9576% | 3,196 |
| Efficiency ratio | 69.0741% | 3,823 |
| Assets per employee ($millions) | 4.1675% | 3,517 |
| Cash dividends to net income (ytd only)* | 247.6780% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 3,423 |
| Loan loss allowance to noncurrent loans | 85.5029% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 2.1236% | 1,460 |
| Noncurrent loans to loans | 1.6209% | 2,143 |
| Net loans and leases to total assets | 83.0137% | 381 |
| Net loans and leases to deposits | 106.4775% | 286 |
| Net loans and leases to core deposits | 133.0407% | 197 |
| Total domestic deposits to total assets | 77.9636% | 5,639 |
| Equity capital to assets | 10.0536% | 4,031 |
| Core capital (leverage) ratio | 10.3094% | 3,202 |
| Tier 1 risk-based capital ratio | 13.1602% | 4,811 |
| Total risk-based capital ratio | 14.4132% | 4,739 |
| Memoranda: | ||
| Average total assets | $676,449,330 | 999 |
| Average earning assets | $621,636,000 | 993 |
| Average equity | $67,511,330 | 1,082 |
| Average total loans | $552,935,330 | 792 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 1,975 |
| Cost of funding earning assets | 1.0154% | 256 |
| Net interest margin | 3.4279% | 3,992 |
| Noninterest income to average assets | 0.5011% | 3,403 |
| Noninterest expense to average assets | 2.5726% | 4,369 |
| Loan and lease loss provision to assets | 0.1920% | 1,232 |
| Net operating income to assets | -0.7121% | 6,525 |
| Return on assets (ROA) | -0.7121% | 6,525 |
| Pretax return on assets | 0.8809% | 3,774 |
| Return on Equity (ROE) | -7.1618% | 6,518 |
| Retained earnings to average equity (ytd only) | -16.7268% | 6,491 |
| Net charge-offs to loans | 0.3426% | 1,044 |
| Credit loss provision to net charge-offs | 69.6121% | 2,009 |
| Earnings coverage of net charge-offs (x) | 3.8901% | 2,605 |
| Efficiency ratio | 70.5691% | 3,732 |
| Assets per employee ($millions) | 4.3038% | 3,331 |
| Cash dividends to net income (ytd only)* | -133.5559% | 6,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 3,146 |
| Loan loss allowance to noncurrent loans | 87.3781% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 2.0615% | 1,639 |
| Noncurrent loans to loans | 1.7150% | 2,261 |
| Net loans and leases to total assets | 77.3594% | 836 |
| Net loans and leases to deposits | 97.9022% | 549 |
| Net loans and leases to core deposits | 121.3965% | 297 |
| Total domestic deposits to total assets | 79.0170% | 5,681 |
| Equity capital to assets | 9.4102% | 4,613 |
| Core capital (leverage) ratio | 10.3562% | 3,109 |
| Tier 1 risk-based capital ratio | 13.4498% | 4,728 |
| Total risk-based capital ratio | 14.7041% | 4,661 |
| Memoranda: | ||
| Average total assets | $672,940,000 | 1,010 |
| Average earning assets | $617,281,000 | 1,010 |
| Average equity | $66,910,500 | 1,095 |
| Average total loans | $541,730,000 | 811 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 1,461 |
| Cost of funding earning assets | 1.1054% | 275 |
| Net interest margin | 3.6393% | 3,287 |
| Noninterest income to average assets | 0.5154% | 3,663 |
| Noninterest expense to average assets | 2.5950% | 4,486 |
| Loan and lease loss provision to assets | 0.2985% | 1,131 |
| Net operating income to assets | 0.6450% | 4,052 |
| Return on assets (ROA) | 0.6459% | 4,160 |
| Pretax return on assets | 0.9579% | 3,523 |
| Return on Equity (ROE) | 6.1117% | 4,026 |
| Retained earnings to average equity (ytd only) | 3.7928% | 3,502 |
| Net charge-offs to loans | 0.5127% | 1,288 |
| Credit loss provision to net charge-offs | 71.6808% | 3,255 |
| Earnings coverage of net charge-offs (x) | 3.0136% | 3,987 |
| Efficiency ratio | 67.4013% | 4,307 |
| Assets per employee ($millions) | 4.1327% | 3,568 |
| Cash dividends to net income (ytd only)* | 37.9417% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 3,015 |
| Loan loss allowance to noncurrent loans | 75.6658% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 2.2574% | 1,575 |
| Noncurrent loans to loans | 2.0331% | 1,955 |
| Net loans and leases to total assets | 81.3174% | 467 |
| Net loans and leases to deposits | 105.3005% | 286 |
| Net loans and leases to core deposits | 123.5879% | 276 |
| Total domestic deposits to total assets | 77.2241% | 5,936 |
| Equity capital to assets | 10.5084% | 3,144 |
| Core capital (leverage) ratio | 11.0867% | 2,308 |
| Tier 1 risk-based capital ratio | 13.8993% | 4,365 |
| Total risk-based capital ratio | 15.1537% | 4,301 |
| Memoranda: | ||
| Average total assets | $652,872,800 | 1,024 |
| Average earning assets | $598,220,600 | 1,023 |
| Average equity | $68,998,600 | 1,035 |
| Average total loans | $530,311,600 | 803 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 1,558 |
| Cost of funding earning assets | 1.1194% | 278 |
| Net interest margin | 3.5940% | 3,468 |
| Noninterest income to average assets | 0.4926% | 3,863 |
| Noninterest expense to average assets | 2.5471% | 4,570 |
| Loan and lease loss provision to assets | 0.3294% | 1,005 |
| Net operating income to assets | 0.6108% | 4,305 |
| Return on assets (ROA) | 0.6121% | 4,427 |
| Pretax return on assets | 0.9194% | 3,793 |
| Return on Equity (ROE) | 5.7833% | 4,295 |
| Retained earnings to average equity (ytd only) | 3.2747% | 4,348 |
| Net charge-offs to loans | 0.6479% | 943 |
| Credit loss provision to net charge-offs | 62.8605% | 3,229 |
| Earnings coverage of net charge-offs (x) | 2.3796% | 4,040 |
| Efficiency ratio | 67.1332% | 4,275 |
| Assets per employee ($millions) | 4.0428% | 3,749 |
| Cash dividends to net income (ytd only)* | 43.3767% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 3,379 |
| Loan loss allowance to noncurrent loans | 69.3715% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 2.5064% | 1,535 |
| Noncurrent loans to loans | 2.1887% | 2,020 |
| Net loans and leases to total assets | 81.8623% | 379 |
| Net loans and leases to deposits | 106.6716% | 222 |
| Net loans and leases to core deposits | 125.5300% | 245 |
| Total domestic deposits to total assets | 76.7423% | 6,080 |
| Equity capital to assets | 10.5970% | 3,165 |
| Core capital (leverage) ratio | 10.9876% | 2,495 |
| Tier 1 risk-based capital ratio | 13.9633% | 4,459 |
| Total risk-based capital ratio | 15.2178% | 4,405 |
| Memoranda: | ||
| Average total assets | $652,848,500 | 1,027 |
| Average earning assets | $599,717,750 | 1,030 |
| Average equity | $69,094,000 | 1,043 |
| Average total loans | $528,071,000 | 797 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 1,639 |
| Cost of funding earning assets | 1.1316% | 288 |
| Net interest margin | 3.5417% | 3,599 |
| Noninterest income to average assets | 0.4682% | 4,038 |
| Noninterest expense to average assets | 2.4730% | 4,821 |
| Loan and lease loss provision to assets | 0.1893% | 1,997 |
| Net operating income to assets | 0.6968% | 3,819 |
| Return on assets (ROA) | 0.6986% | 3,988 |
| Pretax return on assets | 1.0661% | 3,235 |
| Return on Equity (ROE) | 6.6033% | 3,828 |
| Retained earnings to average equity (ytd only) | 5.7390% | 2,589 |
| Net charge-offs to loans | 0.7559% | 848 |
| Credit loss provision to net charge-offs | 31.2374% | 3,570 |
| Earnings coverage of net charge-offs (x) | 2.0674% | 3,829 |
| Efficiency ratio | 66.3776% | 4,481 |
| Assets per employee ($millions) | 4.0047% | 3,790 |
| Cash dividends to net income (ytd only)* | 13.0890% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 3,794 |
| Loan loss allowance to noncurrent loans | 83.7212% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 2.1014% | 2,051 |
| Noncurrent loans to loans | 1.7369% | 2,716 |
| Net loans and leases to total assets | 80.9247% | 450 |
| Net loans and leases to deposits | 105.3620% | 237 |
| Net loans and leases to core deposits | 124.2580% | 252 |
| Total domestic deposits to total assets | 76.8064% | 6,150 |
| Equity capital to assets | 10.6955% | 3,063 |
| Core capital (leverage) ratio | 10.8907% | 2,464 |
| Tier 1 risk-based capital ratio | 14.2189% | 4,275 |
| Total risk-based capital ratio | 15.4726% | 4,233 |
| Memoranda: | ||
| Average total assets | $656,197,000 | 1,024 |
| Average earning assets | $603,551,670 | 1,022 |
| Average equity | $69,419,330 | 1,042 |
| Average total loans | $525,986,000 | 791 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 1,713 |
| Cost of funding earning assets | 1.1408% | 302 |
| Net interest margin | 3.4991% | 3,701 |
| Noninterest income to average assets | 0.4272% | 4,270 |
| Noninterest expense to average assets | 2.4384% | 4,986 |
| Loan and lease loss provision to assets | 0.1795% | 2,070 |
| Net operating income to assets | 0.6815% | 3,775 |
| Return on assets (ROA) | 0.6823% | 3,924 |
| Pretax return on assets | 1.0303% | 3,223 |
| Return on Equity (ROE) | 6.4839% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.4839% | 2,412 |
| Net charge-offs to loans | 0.1793% | 2,316 |
| Credit loss provision to net charge-offs | 126.3830% | 1,540 |
| Earnings coverage of net charge-offs (x) | 8.5106% | 1,938 |
| Efficiency ratio | 66.8600% | 4,511 |
| Assets per employee ($millions) | 4.1071% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 2,833 |
| Loan loss allowance to noncurrent loans | 74.0128% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.5052% | 1,841 |
| Noncurrent loans to loans | 2.3538% | 2,213 |
| Net loans and leases to total assets | 77.3768% | 677 |
| Net loans and leases to deposits | 100.5133% | 329 |
| Net loans and leases to core deposits | 117.5955% | 314 |
| Total domestic deposits to total assets | 76.9817% | 6,253 |
| Equity capital to assets | 10.5346% | 3,506 |
| Core capital (leverage) ratio | 10.6079% | 2,645 |
| Tier 1 risk-based capital ratio | 14.1257% | 4,408 |
| Total risk-based capital ratio | 15.3830% | 4,364 |
| Memoranda: | ||
| Average total assets | $661,920,500 | 1,020 |
| Average earning assets | $609,063,500 | 1,021 |
| Average equity | $69,649,500 | 1,046 |
| Average total loans | $524,248,500 | 802 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0157% | 1,516 |
| Cost of funding earning assets | 1.3406% | 317 |
| Net interest margin | 3.6751% | 3,764 |
| Noninterest income to average assets | 0.4475% | 4,262 |
| Noninterest expense to average assets | 2.4325% | 5,312 |
| Loan and lease loss provision to assets | 0.2045% | 3,100 |
| Net operating income to assets | 0.7612% | 3,459 |
| Return on assets (ROA) | 0.7758% | 3,640 |
| Pretax return on assets | 1.1995% | 2,810 |
| Return on Equity (ROE) | 7.2831% | 3,472 |
| Retained earnings to average equity (ytd only) | -0.0301% | 5,850 |
| Net charge-offs to loans | 0.2350% | 3,526 |
| Credit loss provision to net charge-offs | 109.9343% | 2,661 |
| Earnings coverage of net charge-offs (x) | 7.4261% | 2,607 |
| Efficiency ratio | 63.7765% | 4,930 |
| Assets per employee ($millions) | 4.1677% | 3,617 |
| Cash dividends to net income (ytd only)* | 100.4135% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 2,826 |
| Loan loss allowance to noncurrent loans | 73.3436% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5651% | 1,890 |
| Noncurrent loans to loans | 2.3565% | 2,282 |
| Net loans and leases to total assets | 78.2814% | 645 |
| Net loans and leases to deposits | 101.8504% | 332 |
| Net loans and leases to core deposits | 118.8222% | 305 |
| Total domestic deposits to total assets | 76.8592% | 6,249 |
| Equity capital to assets | 10.5099% | 3,519 |
| Core capital (leverage) ratio | 10.5539% | 2,702 |
| Tier 1 risk-based capital ratio | 13.7555% | 4,557 |
| Total risk-based capital ratio | 15.0124% | 4,511 |
| Memoranda: | ||
| Average total assets | $654,681,600 | 1,008 |
| Average earning assets | $599,713,000 | 1,002 |
| Average equity | $69,736,600 | 1,009 |
| Average total loans | $518,330,400 | 800 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 1,458 |
| Cost of funding earning assets | 1.3739% | 329 |
| Net interest margin | 3.7125% | 3,739 |
| Noninterest income to average assets | 0.4654% | 4,176 |
| Noninterest expense to average assets | 2.4474% | 5,247 |
| Loan and lease loss provision to assets | 0.2021% | 3,065 |
| Net operating income to assets | 0.7792% | 3,552 |
| Return on assets (ROA) | 0.7979% | 3,703 |
| Pretax return on assets | 1.2459% | 2,801 |
| Return on Equity (ROE) | 7.4652% | 3,555 |
| Retained earnings to average equity (ytd only) | 2.6945% | 4,942 |
| Net charge-offs to loans | 0.2325% | 3,327 |
| Credit loss provision to net charge-offs | 109.9889% | 2,671 |
| Earnings coverage of net charge-offs (x) | 7.7214% | 2,565 |
| Efficiency ratio | 63.3012% | 4,927 |
| Assets per employee ($millions) | 4.0453% | 3,778 |
| Cash dividends to net income (ytd only)* | 63.9059% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 2,999 |
| Loan loss allowance to noncurrent loans | 72.2742% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 2.5942% | 2,037 |
| Noncurrent loans to loans | 2.4067% | 2,395 |
| Net loans and leases to total assets | 78.8544% | 626 |
| Net loans and leases to deposits | 103.7149% | 291 |
| Net loans and leases to core deposits | 121.4553% | 285 |
| Total domestic deposits to total assets | 76.0300% | 6,374 |
| Equity capital to assets | 10.9107% | 3,371 |
| Core capital (leverage) ratio | 10.8606% | 2,536 |
| Tier 1 risk-based capital ratio | 14.2272% | 4,363 |
| Total risk-based capital ratio | 15.4843% | 4,332 |
| Memoranda: | ||
| Average total assets | $653,729,000 | 1,015 |
| Average earning assets | $598,862,500 | 1,010 |
| Average equity | $69,869,000 | 1,012 |
| Average total loans | $516,777,250 | 808 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0713% | 1,593 |
| Cost of funding earning assets | 1.3860% | 370 |
| Net interest margin | 3.6852% | 3,897 |
| Noninterest income to average assets | 0.4278% | 4,450 |
| Noninterest expense to average assets | 2.4504% | 5,296 |
| Loan and lease loss provision to assets | 0.2006% | 3,073 |
| Net operating income to assets | 0.7353% | 3,678 |
| Return on assets (ROA) | 0.7431% | 3,909 |
| Pretax return on assets | 1.1569% | 3,089 |
| Return on Equity (ROE) | 7.0010% | 3,782 |
| Retained earnings to average equity (ytd only) | 2.6918% | 4,830 |
| Net charge-offs to loans | 0.2656% | 2,989 |
| Credit loss provision to net charge-offs | 96.0584% | 2,876 |
| Earnings coverage of net charge-offs (x) | 6.4409% | 2,640 |
| Efficiency ratio | 64.5566% | 4,789 |
| Assets per employee ($millions) | 4.0503% | 3,767 |
| Cash dividends to net income (ytd only)* | 61.5511% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 3,245 |
| Loan loss allowance to noncurrent loans | 151.7699% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 1.6732% | 3,211 |
| Noncurrent loans to loans | 1.1164% | 4,285 |
| Net loans and leases to total assets | 79.8413% | 529 |
| Net loans and leases to deposits | 104.7428% | 264 |
| Net loans and leases to core deposits | 122.5785% | 271 |
| Total domestic deposits to total assets | 76.2261% | 6,427 |
| Equity capital to assets | 10.8480% | 3,292 |
| Core capital (leverage) ratio | 10.7478% | 2,545 |
| Tier 1 risk-based capital ratio | 13.8671% | 4,543 |
| Total risk-based capital ratio | 15.1235% | 4,515 |
| Memoranda: | ||
| Average total assets | $655,890,000 | 1,009 |
| Average earning assets | $599,417,330 | 1,010 |
| Average equity | $69,619,000 | 1,011 |
| Average total loans | $515,897,330 | 806 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0072% | 1,858 |
| Cost of funding earning assets | 1.4027% | 425 |
| Net interest margin | 3.6045% | 4,250 |
| Noninterest income to average assets | 0.4814% | 4,049 |
| Noninterest expense to average assets | 2.4195% | 5,405 |
| Loan and lease loss provision to assets | 0.1970% | 2,976 |
| Net operating income to assets | 0.7368% | 3,700 |
| Return on assets (ROA) | 0.7511% | 3,852 |
| Pretax return on assets | 1.1822% | 2,975 |
| Return on Equity (ROE) | 7.1538% | 3,687 |
| Retained earnings to average equity (ytd only) | 0.2252% | 5,909 |
| Net charge-offs to loans | 0.2428% | 2,718 |
| Credit loss provision to net charge-offs | 104.8387% | 2,206 |
| Earnings coverage of net charge-offs (x) | 7.2194% | 2,102 |
| Efficiency ratio | 64.0713% | 4,911 |
| Assets per employee ($millions) | 4.1006% | 3,798 |
| Cash dividends to net income (ytd only)* | 96.8523% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7726% | 3,077 |
| Loan loss allowance to noncurrent loans | 159.8288% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 1.5495% | 3,538 |
| Noncurrent loans to loans | 1.1090% | 4,479 |
| Net loans and leases to total assets | 75.2072% | 894 |
| Net loans and leases to deposits | 97.8147% | 449 |
| Net loans and leases to core deposits | 114.8207% | 408 |
| Total domestic deposits to total assets | 76.8875% | 6,416 |
| Equity capital to assets | 10.4721% | 3,523 |
| Core capital (leverage) ratio | 10.4367% | 2,827 |
| Tier 1 risk-based capital ratio | 14.0873% | 4,408 |
| Total risk-based capital ratio | 15.3446% | 4,372 |
| Memoranda: | ||
| Average total assets | $659,808,000 | 999 |
| Average earning assets | $603,128,500 | 998 |
| Average equity | $69,278,000 | 1,009 |
| Average total loans | $510,679,500 | 816 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5264% | 1,105 |
| Cost of funding earning assets | 1.6634% | 372 |
| Net interest margin | 3.8630% | 3,505 |
| Noninterest income to average assets | 0.5058% | 3,808 |
| Noninterest expense to average assets | 2.4900% | 5,500 |
| Loan and lease loss provision to assets | 0.2901% | 3,346 |
| Net operating income to assets | 0.8299% | 2,911 |
| Return on assets (ROA) | 0.8458% | 2,998 |
| Pretax return on assets | 1.3016% | 2,125 |
| Return on Equity (ROE) | 8.5579% | 2,649 |
| Retained earnings to average equity (ytd only) | 4.5409% | 2,941 |
| Net charge-offs to loans | 0.2659% | 4,108 |
| Credit loss provision to net charge-offs | 133.6503% | 2,267 |
| Earnings coverage of net charge-offs (x) | 7.2195% | 2,373 |
| Efficiency ratio | 61.3723% | 5,554 |
| Assets per employee ($millions) | 4.0455% | 3,753 |
| Cash dividends to net income (ytd only)* | 46.9395% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 3,076 |
| Loan loss allowance to noncurrent loans | 117.3885% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 3,707 |
| Noncurrent loans to loans | 1.4771% | 3,939 |
| Net loans and leases to total assets | 76.8765% | 841 |
| Net loans and leases to deposits | 100.0393% | 455 |
| Net loans and leases to core deposits | 117.1254% | 416 |
| Total domestic deposits to total assets | 76.8463% | 6,357 |
| Equity capital to assets | 10.5274% | 3,508 |
| Core capital (leverage) ratio | 10.5135% | 2,717 |
| Tier 1 risk-based capital ratio | 13.6534% | 4,588 |
| Total risk-based capital ratio | 14.9098% | 4,544 |
| Memoranda: | ||
| Average total assets | $629,710,400 | 1,030 |
| Average earning assets | $578,926,400 | 1,019 |
| Average equity | $62,235,000 | 1,083 |
| Average total loans | $514,172,600 | 807 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5422% | 1,156 |
| Cost of funding earning assets | 1.7104% | 382 |
| Net interest margin | 3.8319% | 3,707 |
| Noninterest income to average assets | 0.5301% | 3,650 |
| Noninterest expense to average assets | 2.4860% | 5,512 |
| Loan and lease loss provision to assets | 0.3023% | 3,110 |
| Net operating income to assets | 0.8250% | 3,044 |
| Return on assets (ROA) | 0.8431% | 3,119 |
| Pretax return on assets | 1.3063% | 2,266 |
| Return on Equity (ROE) | 8.6807% | 2,753 |
| Retained earnings to average equity (ytd only) | 4.2687% | 3,691 |
| Net charge-offs to loans | 0.3325% | 3,427 |
| Credit loss provision to net charge-offs | 110.1483% | 2,994 |
| Earnings coverage of net charge-offs (x) | 5.7596% | 2,701 |
| Efficiency ratio | 61.1296% | 5,543 |
| Assets per employee ($millions) | 4.1022% | 3,640 |
| Cash dividends to net income (ytd only)* | 50.8259% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 3,646 |
| Loan loss allowance to noncurrent loans | 144.1600% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 1.3097% | 4,188 |
| Noncurrent loans to loans | 1.1125% | 4,699 |
| Net loans and leases to total assets | 81.5500% | 392 |
| Net loans and leases to deposits | 106.5286% | 241 |
| Net loans and leases to core deposits | 125.9604% | 292 |
| Total domestic deposits to total assets | 76.5523% | 6,445 |
| Equity capital to assets | 10.5825% | 3,596 |
| Core capital (leverage) ratio | 10.7309% | 2,636 |
| Tier 1 risk-based capital ratio | 13.1649% | 4,978 |
| Total risk-based capital ratio | 14.4201% | 4,950 |
| Memoranda: | ||
| Average total assets | $622,284,250 | 1,054 |
| Average earning assets | $574,363,250 | 1,036 |
| Average equity | $60,439,000 | 1,120 |
| Average total loans | $513,745,750 | 822 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5344% | 1,219 |
| Cost of funding earning assets | 1.7589% | 367 |
| Net interest margin | 3.7755% | 3,911 |
| Noninterest income to average assets | 0.5351% | 3,595 |
| Noninterest expense to average assets | 2.5030% | 5,523 |
| Loan and lease loss provision to assets | 0.3249% | 2,841 |
| Net operating income to assets | 0.7737% | 3,179 |
| Return on assets (ROA) | 0.7949% | 3,226 |
| Pretax return on assets | 1.2215% | 2,398 |
| Return on Equity (ROE) | 8.4509% | 2,737 |
| Retained earnings to average equity (ytd only) | 4.2930% | 3,466 |
| Net charge-offs to loans | 0.4269% | 2,857 |
| Credit loss provision to net charge-offs | 92.3148% | 3,394 |
| Earnings coverage of net charge-offs (x) | 4.3009% | 2,901 |
| Efficiency ratio | 62.3124% | 5,540 |
| Assets per employee ($millions) | 4.0084% | 3,740 |
| Cash dividends to net income (ytd only)* | 49.2005% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 3,612 |
| Loan loss allowance to noncurrent loans | 148.0007% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 1.3245% | 4,257 |
| Noncurrent loans to loans | 1.0959% | 4,837 |
| Net loans and leases to total assets | 80.9840% | 448 |
| Net loans and leases to deposits | 104.6067% | 300 |
| Net loans and leases to core deposits | 123.1965% | 359 |
| Total domestic deposits to total assets | 77.4176% | 6,391 |
| Equity capital to assets | 9.3561% | 5,060 |
| Core capital (leverage) ratio | 9.4948% | 3,964 |
| Tier 1 risk-based capital ratio | 11.7059% | 6,006 |
| Total risk-based capital ratio | 12.9613% | 6,010 |
| Memoranda: | ||
| Average total assets | $613,663,000 | 1,078 |
| Average earning assets | $565,910,670 | 1,068 |
| Average equity | $57,722,000 | 1,163 |
| Average total loans | $505,934,330 | 850 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4507% | 1,427 |
| Cost of funding earning assets | 1.7992% | 379 |
| Net interest margin | 3.6515% | 4,320 |
| Noninterest income to average assets | 0.5322% | 3,631 |
| Noninterest expense to average assets | 2.4957% | 5,568 |
| Loan and lease loss provision to assets | 0.3915% | 2,232 |
| Net operating income to assets | 0.6691% | 3,664 |
| Return on assets (ROA) | 0.6748% | 3,704 |
| Pretax return on assets | 1.0168% | 3,073 |
| Return on Equity (ROE) | 7.1539% | 3,308 |
| Retained earnings to average equity (ytd only) | 0.8540% | 5,487 |
| Net charge-offs to loans | 0.4769% | 2,282 |
| Credit loss provision to net charge-offs | 99.4966% | 2,742 |
| Earnings coverage of net charge-offs (x) | 3.5570% | 2,707 |
| Efficiency ratio | 64.0678% | 5,358 |
| Assets per employee ($millions) | 4.0581% | 3,723 |
| Cash dividends to net income (ytd only)* | 88.0626% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 3,384 |
| Loan loss allowance to noncurrent loans | 79.1231% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 2.2030% | 3,058 |
| Noncurrent loans to loans | 2.1319% | 3,403 |
| Net loans and leases to total assets | 81.2107% | 425 |
| Net loans and leases to deposits | 103.7890% | 319 |
| Net loans and leases to core deposits | 121.7494% | 384 |
| Total domestic deposits to total assets | 78.2460% | 6,347 |
| Equity capital to assets | 9.4070% | 4,563 |
| Core capital (leverage) ratio | 9.4835% | 3,838 |
| Tier 1 risk-based capital ratio | 11.8557% | 5,814 |
| Total risk-based capital ratio | 13.1119% | 5,815 |
| Memoranda: | ||
| Average total assets | $605,838,000 | 1,104 |
| Average earning assets | $558,015,500 | 1,093 |
| Average equity | $57,143,500 | 1,163 |
| Average total loans | $499,879,000 | 879 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6715% | 1,678 |
| Cost of funding earning assets | 2.2201% | 291 |
| Net interest margin | 3.4514% | 5,425 |
| Noninterest income to average assets | 0.5782% | 3,594 |
| Noninterest expense to average assets | 2.3957% | 6,094 |
| Loan and lease loss provision to assets | 0.3818% | 3,825 |
| Net operating income to assets | 0.6544% | 3,420 |
| Return on assets (ROA) | 0.6824% | 3,426 |
| Pretax return on assets | 1.0271% | 2,848 |
| Return on Equity (ROE) | 7.3208% | 2,967 |
| Retained earnings to average equity (ytd only) | 3.5051% | 3,410 |
| Net charge-offs to loans | 0.1963% | 5,120 |
| Credit loss provision to net charge-offs | 242.4370% | 1,188 |
| Earnings coverage of net charge-offs (x) | 8.6775% | 1,938 |
| Efficiency ratio | 63.6767% | 5,406 |
| Assets per employee ($millions) | 4.0467% | 3,686 |
| Cash dividends to net income (ytd only)* | 52.1212% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7075% | 3,191 |
| Loan loss allowance to noncurrent loans | 121.8234% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.3946% | 4,250 |
| Noncurrent loans to loans | 1.4016% | 4,382 |
| Net loans and leases to total assets | 81.0084% | 541 |
| Net loans and leases to deposits | 103.6156% | 418 |
| Net loans and leases to core deposits | 121.7114% | 479 |
| Total domestic deposits to total assets | 78.1817% | 6,275 |
| Equity capital to assets | 9.4576% | 4,456 |
| Core capital (leverage) ratio | 9.4489% | 3,770 |
| Tier 1 risk-based capital ratio | 12.0573% | 5,420 |
| Total risk-based capital ratio | 13.3139% | 5,399 |
| Memoranda: | ||
| Average total assets | $604,500,800 | 1,107 |
| Average earning assets | $557,681,400 | 1,091 |
| Average equity | $56,346,000 | 1,176 |
| Average total loans | $485,040,000 | 925 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6596% | 1,851 |
| Cost of funding earning assets | 2.2779% | 295 |
| Net interest margin | 3.3817% | 5,747 |
| Noninterest income to average assets | 0.5907% | 3,501 |
| Noninterest expense to average assets | 2.3991% | 6,039 |
| Loan and lease loss provision to assets | 0.3359% | 3,920 |
| Net operating income to assets | 0.6475% | 3,657 |
| Return on assets (ROA) | 0.6602% | 3,761 |
| Pretax return on assets | 0.9974% | 3,196 |
| Return on Equity (ROE) | 7.1084% | 3,295 |
| Retained earnings to average equity (ytd only) | 2.4802% | 4,687 |
| Net charge-offs to loans | 0.1651% | 4,993 |
| Credit loss provision to net charge-offs | 255.2764% | 1,302 |
| Earnings coverage of net charge-offs (x) | 9.9866% | 1,932 |
| Efficiency ratio | 64.6088% | 5,126 |
| Assets per employee ($millions) | 4.0504% | 3,735 |
| Cash dividends to net income (ytd only)* | 65.1087% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 3,508 |
| Loan loss allowance to noncurrent loans | 243.0166% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8442% | 5,406 |
| Noncurrent loans to loans | 0.6604% | 5,882 |
| Net loans and leases to total assets | 81.8385% | 515 |
| Net loans and leases to deposits | 107.2285% | 315 |
| Net loans and leases to core deposits | 126.6945% | 438 |
| Total domestic deposits to total assets | 76.3216% | 6,596 |
| Equity capital to assets | 9.4779% | 4,880 |
| Core capital (leverage) ratio | 9.3102% | 4,195 |
| Tier 1 risk-based capital ratio | 11.9295% | 5,528 |
| Total risk-based capital ratio | 13.1851% | 5,495 |
| Memoranda: | ||
| Average total assets | $604,886,750 | 1,112 |
| Average earning assets | $558,519,000 | 1,088 |
| Average equity | $56,176,250 | 1,180 |
| Average total loans | $482,067,250 | 938 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6391% | 1,988 |
| Cost of funding earning assets | 2.3205% | 316 |
| Net interest margin | 3.3187% | 5,947 |
| Noninterest income to average assets | 0.5940% | 3,380 |
| Noninterest expense to average assets | 2.4151% | 6,024 |
| Loan and lease loss provision to assets | 0.3099% | 3,904 |
| Net operating income to assets | 0.6194% | 3,786 |
| Return on assets (ROA) | 0.6373% | 3,835 |
| Pretax return on assets | 0.9618% | 3,270 |
| Return on Equity (ROE) | 6.9096% | 3,349 |
| Retained earnings to average equity (ytd only) | 2.6113% | 4,478 |
| Net charge-offs to loans | 0.1443% | 4,784 |
| Credit loss provision to net charge-offs | 273.4694% | 1,368 |
| Earnings coverage of net charge-offs (x) | 10.9825% | 1,818 |
| Efficiency ratio | 65.9926% | 4,978 |
| Assets per employee ($millions) | 4.0432% | 3,690 |
| Cash dividends to net income (ytd only)* | 62.2084% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 3,387 |
| Loan loss allowance to noncurrent loans | 239.4296% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 5,493 |
| Noncurrent loans to loans | 0.6745% | 5,903 |
| Net loans and leases to total assets | 78.1057% | 1,098 |
| Net loans and leases to deposits | 103.5426% | 509 |
| Net loans and leases to core deposits | 118.0532% | 767 |
| Total domestic deposits to total assets | 75.4334% | 6,789 |
| Equity capital to assets | 9.3973% | 4,863 |
| Core capital (leverage) ratio | 9.2852% | 4,146 |
| Tier 1 risk-based capital ratio | 12.3995% | 4,946 |
| Total risk-based capital ratio | 13.6550% | 4,921 |
| Memoranda: | ||
| Average total assets | $605,346,330 | 1,117 |
| Average earning assets | $559,201,670 | 1,092 |
| Average equity | $55,835,000 | 1,181 |
| Average total loans | $475,437,000 | 966 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 2,409 |
| Cost of funding earning assets | 2.3318% | 388 |
| Net interest margin | 3.2076% | 6,273 |
| Noninterest income to average assets | 0.5695% | 3,492 |
| Noninterest expense to average assets | 2.3757% | 6,175 |
| Loan and lease loss provision to assets | 0.4937% | 2,525 |
| Net operating income to assets | 0.4442% | 4,644 |
| Return on assets (ROA) | 0.4720% | 4,656 |
| Pretax return on assets | 0.7040% | 4,217 |
| Return on Equity (ROE) | 5.1653% | 4,279 |
| Retained earnings to average equity (ytd only) | -1.3274% | 6,097 |
| Net charge-offs to loans | 0.1232% | 4,233 |
| Credit loss provision to net charge-offs | 513.0137% | 818 |
| Earnings coverage of net charge-offs (x) | 12.0137% | 1,599 |
| Efficiency ratio | 67.2639% | 4,863 |
| Assets per employee ($millions) | 4.0407% | 3,776 |
| Cash dividends to net income (ytd only)* | 125.6983% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 3,251 |
| Loan loss allowance to noncurrent loans | 187.1249% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 1.0193% | 5,120 |
| Noncurrent loans to loans | 0.8818% | 5,554 |
| Net loans and leases to total assets | 76.0360% | 1,538 |
| Net loans and leases to deposits | 98.5839% | 857 |
| Net loans and leases to core deposits | 111.1962% | 1,204 |
| Total domestic deposits to total assets | 77.1282% | 6,530 |
| Equity capital to assets | 9.1655% | 5,036 |
| Core capital (leverage) ratio | 8.9376% | 4,669 |
| Tier 1 risk-based capital ratio | 12.5358% | 4,712 |
| Total risk-based capital ratio | 13.7921% | 4,667 |
| Memoranda: | ||
| Average total assets | $606,804,000 | 1,137 |
| Average earning assets | $560,422,000 | 1,113 |
| Average equity | $55,446,500 | 1,202 |
| Average total loans | $474,027,000 | 996 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9380% | 2,092 |
| Cost of funding earning assets | 2.6252% | 725 |
| Net interest margin | 3.3129% | 5,692 |
| Noninterest income to average assets | 0.6587% | 3,234 |
| Noninterest expense to average assets | 2.4730% | 6,228 |
| Loan and lease loss provision to assets | 0.6009% | 3,387 |
| Net operating income to assets | 0.4563% | 3,902 |
| Return on assets (ROA) | 0.4677% | 3,982 |
| Pretax return on assets | 0.6574% | 3,716 |
| Return on Equity (ROE) | 5.1796% | 3,588 |
| Retained earnings to average equity (ytd only) | 2.1260% | 3,614 |
| Net charge-offs to loans | 0.2011% | 5,388 |
| Credit loss provision to net charge-offs | 368.6047% | 870 |
| Earnings coverage of net charge-offs (x) | 7.6205% | 2,114 |
| Efficiency ratio | 66.5615% | 5,278 |
| Assets per employee ($millions) | 4.0500% | 3,708 |
| Cash dividends to net income (ytd only)* | 58.9536% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 3,796 |
| Loan loss allowance to noncurrent loans | 142.6085% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 1.1060% | 4,878 |
| Noncurrent loans to loans | 1.0426% | 5,233 |
| Net loans and leases to total assets | 77.7502% | 1,440 |
| Net loans and leases to deposits | 100.8537% | 839 |
| Net loans and leases to core deposits | 146.6478% | 597 |
| Total domestic deposits to total assets | 77.0921% | 6,452 |
| Equity capital to assets | 9.1095% | 4,974 |
| Core capital (leverage) ratio | 9.3654% | 3,878 |
| Tier 1 risk-based capital ratio | 12.2830% | 4,702 |
| Total risk-based capital ratio | 13.5372% | 4,663 |
| Memoranda: | ||
| Average total assets | $580,274,400 | 1,193 |
| Average earning assets | $535,396,400 | 1,184 |
| Average equity | $52,398,200 | 1,264 |
| Average total loans | $470,452,000 | 1,022 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9750% | 2,133 |
| Cost of funding earning assets | 2.7212% | 741 |
| Net interest margin | 3.2538% | 5,813 |
| Noninterest income to average assets | 0.6580% | 3,306 |
| Noninterest expense to average assets | 2.5589% | 5,861 |
| Loan and lease loss provision to assets | 0.2297% | 5,136 |
| Net operating income to assets | 0.5905% | 3,633 |
| Return on assets (ROA) | 0.5998% | 3,657 |
| Pretax return on assets | 0.8861% | 3,270 |
| Return on Equity (ROE) | 6.6584% | 3,232 |
| Retained earnings to average equity (ytd only) | 3.3034% | 3,465 |
| Net charge-offs to loans | 0.1469% | 5,231 |
| Credit loss provision to net charge-offs | 191.4729% | 2,367 |
| Earnings coverage of net charge-offs (x) | 9.1861% | 2,137 |
| Efficiency ratio | 69.8971% | 4,616 |
| Assets per employee ($millions) | 4.0128% | 3,708 |
| Cash dividends to net income (ytd only)* | 50.3877% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 6,002 |
| Loan loss allowance to noncurrent loans | 76.8997% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 4,288 |
| Noncurrent loans to loans | 1.3666% | 4,640 |
| Net loans and leases to total assets | 82.4506% | 747 |
| Net loans and leases to deposits | 109.7917% | 471 |
| Net loans and leases to core deposits | 164.5598% | 323 |
| Total domestic deposits to total assets | 75.0973% | 6,756 |
| Equity capital to assets | 9.6745% | 4,526 |
| Core capital (leverage) ratio | 9.6115% | 3,774 |
| Tier 1 risk-based capital ratio | 12.3664% | 4,657 |
| Total risk-based capital ratio | 13.4939% | 4,694 |
| Memoranda: | ||
| Average total assets | $573,466,250 | 1,220 |
| Average earning assets | $529,261,250 | 1,212 |
| Average equity | $51,662,500 | 1,308 |
| Average total loans | $468,198,250 | 1,046 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9369% | 2,429 |
| Cost of funding earning assets | 2.8097% | 766 |
| Net interest margin | 3.1271% | 6,163 |
| Noninterest income to average assets | 0.6308% | 3,465 |
| Noninterest expense to average assets | 2.5835% | 5,805 |
| Loan and lease loss provision to assets | 0.2147% | 4,899 |
| Net operating income to assets | 0.4923% | 4,113 |
| Return on assets (ROA) | 0.5063% | 4,187 |
| Pretax return on assets | 0.7329% | 3,888 |
| Return on Equity (ROE) | 5.7633% | 3,765 |
| Retained earnings to average equity (ytd only) | 2.1812% | 4,130 |
| Net charge-offs to loans | 0.0962% | 5,208 |
| Credit loss provision to net charge-offs | 275.3363% | 1,700 |
| Earnings coverage of net charge-offs (x) | 11.8924% | 1,864 |
| Efficiency ratio | 73.5883% | 4,096 |
| Assets per employee ($millions) | 3.6636% | 4,417 |
| Cash dividends to net income (ytd only)* | 62.1547% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 5,884 |
| Loan loss allowance to noncurrent loans | 97.7616% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.1509% | 4,640 |
| Noncurrent loans to loans | 1.0777% | 5,049 |
| Net loans and leases to total assets | 81.8188% | 984 |
| Net loans and leases to deposits | 108.2279% | 639 |
| Net loans and leases to core deposits | 159.3622% | 462 |
| Total domestic deposits to total assets | 75.5986% | 6,635 |
| Equity capital to assets | 9.5365% | 4,560 |
| Core capital (leverage) ratio | 9.4987% | 3,887 |
| Tier 1 risk-based capital ratio | 12.4863% | 4,531 |
| Total risk-based capital ratio | 13.6215% | 4,550 |
| Memoranda: | ||
| Average total assets | $572,005,330 | 1,239 |
| Average earning assets | $526,810,330 | 1,235 |
| Average equity | $50,248,670 | 1,367 |
| Average total loans | $463,764,330 | 1,072 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8873% | 2,861 |
| Cost of funding earning assets | 2.8897% | 787 |
| Net interest margin | 2.9976% | 6,481 |
| Noninterest income to average assets | 0.5879% | 3,641 |
| Noninterest expense to average assets | 2.4507% | 6,022 |
| Loan and lease loss provision to assets | 0.3173% | 3,432 |
| Net operating income to assets | 0.4089% | 4,821 |
| Return on assets (ROA) | 0.4327% | 4,906 |
| Pretax return on assets | 0.6109% | 4,725 |
| Return on Equity (ROE) | 5.1454% | 4,410 |
| Retained earnings to average equity (ytd only) | 0.1579% | 5,594 |
| Net charge-offs to loans | 0.0949% | 4,224 |
| Credit loss provision to net charge-offs | 416.5138% | 1,271 |
| Earnings coverage of net charge-offs (x) | 11.7431% | 1,856 |
| Efficiency ratio | 73.2553% | 3,960 |
| Assets per employee ($millions) | 3.5463% | 4,713 |
| Cash dividends to net income (ytd only)* | 96.9305% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 5,627 |
| Loan loss allowance to noncurrent loans | 103.2008% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 4,600 |
| Noncurrent loans to loans | 1.0439% | 4,897 |
| Net loans and leases to total assets | 78.3593% | 1,731 |
| Net loans and leases to deposits | 103.0608% | 1,089 |
| Net loans and leases to core deposits | 154.1363% | 596 |
| Total domestic deposits to total assets | 76.0321% | 6,508 |
| Equity capital to assets | 9.3955% | 4,814 |
| Core capital (leverage) ratio | 9.3632% | 4,154 |
| Tier 1 risk-based capital ratio | 12.6301% | 4,448 |
| Total risk-based capital ratio | 13.7789% | 4,448 |
| Memoranda: | ||
| Average total assets | $572,243,500 | 1,242 |
| Average earning assets | $526,417,000 | 1,234 |
| Average equity | $48,121,000 | 1,431 |
| Average total loans | $459,348,000 | 1,095 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6433% | 2,274 |
| Cost of funding earning assets | 3.4234% | 669 |
| Net interest margin | 3.2199% | 6,306 |
| Noninterest income to average assets | 0.7423% | 2,832 |
| Noninterest expense to average assets | 2.6410% | 5,482 |
| Loan and lease loss provision to assets | 0.2803% | 4,145 |
| Net operating income to assets | 0.5442% | 4,553 |
| Return on assets (ROA) | 0.5450% | 4,403 |
| Pretax return on assets | 0.7731% | 4,168 |
| Return on Equity (ROE) | 7.4550% | 3,298 |
| Retained earnings to average equity (ytd only) | 4.0545% | 2,606 |
| Net charge-offs to loans | 0.1834% | 4,365 |
| Credit loss provision to net charge-offs | 187.4680% | 2,649 |
| Earnings coverage of net charge-offs (x) | 7.0371% | 3,203 |
| Efficiency ratio | 71.5077% | 4,034 |
| Assets per employee ($millions) | 3.4751% | 4,734 |
| Cash dividends to net income (ytd only)* | 45.6140% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 6,098 |
| Loan loss allowance to noncurrent loans | 130.6663% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 4,744 |
| Noncurrent loans to loans | 0.7621% | 5,131 |
| Net loans and leases to total assets | 80.5417% | 1,542 |
| Net loans and leases to deposits | 104.8935% | 1,250 |
| Net loans and leases to core deposits | 161.8557% | 537 |
| Total domestic deposits to total assets | 76.7842% | 6,040 |
| Equity capital to assets | 7.4026% | 7,461 |
| Core capital (leverage) ratio | 7.4092% | 7,297 |
| Tier 1 risk-based capital ratio | 9.6212% | 7,185 |
| Total risk-based capital ratio | 10.6795% | 7,302 |
| Memoranda: | ||
| Average total assets | $522,952,200 | 1,292 |
| Average earning assets | $479,266,000 | 1,290 |
| Average equity | $38,229,400 | 1,765 |
| Average total loans | $426,460,800 | 1,124 |