Home > Peoples National Bank , N.A. > Performance and Condition Ratios
Peoples National Bank , N.A., 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 | 5.2480% | 1,580 |
| Cost of funding earning assets | 1.7793% | 1,281 |
| Net interest margin | 3.4687% | 2,259 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.7229% | 1,682 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1862% | 1,678 |
| Return on assets (ROA) | 1.1862% | 1,660 |
| Pretax return on assets | 1.1962% | 2,148 |
| Return on Equity (ROE) | 14.8900% | 1,307 |
| Retained earnings to average equity (ytd only) | 5.3369% | 2,474 |
| Net charge-offs to loans | 0.0764% | 1,102 |
| Credit loss provision to net charge-offs | 101.7367% | 1,820 |
| Earnings coverage of net charge-offs (x) | 19.5448% | 1,897 |
| Efficiency ratio | 68.2877% | 2,072 |
| Assets per employee ($millions) | 6.1670% | 2,679 |
| Cash dividends to net income (ytd only)* | 64.1689% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 2,464 |
| Loan loss allowance to noncurrent loans | 131.2340% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 582 |
| Noncurrent loans to loans | 0.8907% | 847 |
| Net loans and leases to total assets | 86.8500% | 123 |
| Net loans and leases to deposits | 99.2497% | 577 |
| Net loans and leases to core deposits | 108.4920% | 1,016 |
| Total domestic deposits to total assets | 87.5000% | 1,516 |
| Equity capital to assets | 8.3009% | 3,199 |
| Core capital (leverage) ratio | 9.1281% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8441% | 2,836 |
| Memoranda: | ||
| Average total assets | $1,690,951,000 | 649 |
| Average earning assets | $1,580,134,000 | 641 |
| Average equity | $134,665,200 | 734 |
| Average total loans | $1,432,274,000 | 535 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1281% | 1,577 |
| Cost of funding earning assets | 1.6727% | 1,230 |
| Net interest margin | 3.4554% | 2,322 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.6877% | 1,704 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.2037% | 1,788 |
| Return on assets (ROA) | 1.2037% | 1,778 |
| Pretax return on assets | 1.2133% | 2,268 |
| Return on Equity (ROE) | 15.2800% | 1,399 |
| Retained earnings to average equity (ytd only) | 5.7263% | 2,709 |
| Net charge-offs to loans | 0.1032% | 768 |
| Credit loss provision to net charge-offs | 132.1787% | 1,406 |
| Earnings coverage of net charge-offs (x) | 15.3172% | 1,967 |
| Efficiency ratio | 66.9648% | 2,151 |
| Assets per employee ($millions) | 6.0708% | 2,691 |
| Cash dividends to net income (ytd only)* | 62.5172% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,164 |
| Loan loss allowance to noncurrent loans | 133.6797% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 628 |
| Noncurrent loans to loans | 0.9283% | 886 |
| Net loans and leases to total assets | 83.4200% | 335 |
| Net loans and leases to deposits | 91.3041% | 1,113 |
| Net loans and leases to core deposits | 106.9087% | 980 |
| Total domestic deposits to total assets | 91.3700% | 587 |
| Equity capital to assets | 8.0189% | 3,048 |
| Core capital (leverage) ratio | 8.9766% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1802% | 2,790 |
| Memoranda: | ||
| Average total assets | $1,689,706,250 | 654 |
| Average earning assets | $1,579,372,750 | 646 |
| Average equity | $133,137,000 | 737 |
| Average total loans | $1,417,774,500 | 541 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 1,686 |
| Cost of funding earning assets | 1.5279% | 1,196 |
| Net interest margin | 3.4048% | 2,499 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.6434% | 1,814 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0594% | 2,235 |
| Return on assets (ROA) | 1.0594% | 2,231 |
| Pretax return on assets | 1.0670% | 2,729 |
| Return on Equity (ROE) | 13.5300% | 1,785 |
| Retained earnings to average equity (ytd only) | 1.1539% | 3,882 |
| Net charge-offs to loans | -0.0041% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.5880% | 1,711 |
| Assets per employee ($millions) | 6.2047% | 2,537 |
| Cash dividends to net income (ytd only)* | 91.4682% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,261 |
| Loan loss allowance to noncurrent loans | 105.8318% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 444 |
| Noncurrent loans to loans | 1.1657% | 604 |
| Net loans and leases to total assets | 84.1000% | 264 |
| Net loans and leases to deposits | 91.8411% | 1,035 |
| Net loans and leases to core deposits | 107.4996% | 929 |
| Total domestic deposits to total assets | 91.5800% | 492 |
| Equity capital to assets | 7.8359% | 3,326 |
| Core capital (leverage) ratio | 8.7599% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8150% | 2,868 |
| Memoranda: | ||
| Average total assets | $1,688,358,333 | 643 |
| Average earning assets | $1,577,495,667 | 632 |
| Average equity | $132,242,667 | 736 |
| Average total loans | $1,413,471,333 | 527 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 1,829 |
| Cost of funding earning assets | 1.3705% | 1,094 |
| Net interest margin | 3.3378% | 2,774 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.6927% | 1,700 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0448% | 2,402 |
| Return on assets (ROA) | 1.0448% | 2,368 |
| Pretax return on assets | 1.0491% | 2,859 |
| Return on Equity (ROE) | 13.3400% | 1,915 |
| Retained earnings to average equity (ytd only) | 2.1022% | 3,684 |
| Net charge-offs to loans | -0.0094% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3398% | 1,594 |
| Assets per employee ($millions) | 6.0642% | 2,705 |
| Cash dividends to net income (ytd only)* | 84.2439% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,266 |
| Loan loss allowance to noncurrent loans | 128.0699% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9455% | 451 |
| Noncurrent loans to loans | 0.9803% | 753 |
| Net loans and leases to total assets | 82.3400% | 336 |
| Net loans and leases to deposits | 89.8736% | 1,060 |
| Net loans and leases to core deposits | 100.0377% | 1,086 |
| Total domestic deposits to total assets | 91.6100% | 620 |
| Equity capital to assets | 7.8992% | 3,315 |
| Core capital (leverage) ratio | 8.7523% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1011% | 2,930 |
| Memoranda: | ||
| Average total assets | $1,688,704,000 | 658 |
| Average earning assets | $1,577,223,000 | 644 |
| Average equity | $132,242,000 | 744 |
| Average total loans | $1,401,645,500 | 539 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 1,602 |
| Cost of funding earning assets | 0.5355% | 1,188 |
| Net interest margin | 3.5101% | 1,902 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.7887% | 1,341 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2233% | 1,689 |
| Return on assets (ROA) | 1.2224% | 1,645 |
| Pretax return on assets | 1.2353% | 2,326 |
| Return on Equity (ROE) | 15.8300% | 1,084 |
| Retained earnings to average equity (ytd only) | 6.2990% | 2,534 |
| Net charge-offs to loans | 0.1234% | 628 |
| Credit loss provision to net charge-offs | 38.2166% | 1,866 |
| Earnings coverage of net charge-offs (x) | 12.9465% | 2,088 |
| Efficiency ratio | 68.6448% | 1,884 |
| Assets per employee ($millions) | 6.2643% | 2,539 |
| Cash dividends to net income (ytd only)* | 60.2205% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,149 |
| Loan loss allowance to noncurrent loans | 165.2881% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 753 |
| Noncurrent loans to loans | 0.6309% | 1,173 |
| Net loans and leases to total assets | 81.7600% | 429 |
| Net loans and leases to deposits | 92.2539% | 901 |
| Net loans and leases to core deposits | 100.3424% | 987 |
| Total domestic deposits to total assets | 88.6300% | 1,835 |
| Equity capital to assets | 7.7635% | 3,211 |
| Core capital (leverage) ratio | 8.6272% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8445% | 2,987 |
| Memoranda: | ||
| Average total assets | $1,595,690,400 | 674 |
| Average earning assets | $1,494,378,000 | 660 |
| Average equity | $123,177,800 | 793 |
| Average total loans | $1,271,805,600 | 550 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 1,500 |
| Cost of funding earning assets | 0.3388% | 1,787 |
| Net interest margin | 3.5534% | 1,512 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.8709% | 1,105 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2393% | 1,555 |
| Return on assets (ROA) | 1.2393% | 1,531 |
| Pretax return on assets | 1.2519% | 2,200 |
| Return on Equity (ROE) | 16.0800% | 957 |
| Retained earnings to average equity (ytd only) | 6.2201% | 2,665 |
| Net charge-offs to loans | -0.0002% | 3,107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.9944% | 1,888 |
| Assets per employee ($millions) | 5.8682% | 2,881 |
| Cash dividends to net income (ytd only)* | 61.3155% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,397 |
| Loan loss allowance to noncurrent loans | 137.3556% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7743% | 647 |
| Noncurrent loans to loans | 0.8918% | 880 |
| Net loans and leases to total assets | 79.3300% | 590 |
| Net loans and leases to deposits | 91.2061% | 813 |
| Net loans and leases to core deposits | 99.0937% | 850 |
| Total domestic deposits to total assets | 86.9800% | 2,768 |
| Equity capital to assets | 7.2256% | 3,389 |
| Core capital (leverage) ratio | 8.3239% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8160% | 3,063 |
| Memoranda: | ||
| Average total assets | $1,570,204,500 | 686 |
| Average earning assets | $1,472,424,500 | 670 |
| Average equity | $121,023,250 | 821 |
| Average total loans | $1,239,093,000 | 557 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 1,296 |
| Cost of funding earning assets | 0.2139% | 2,719 |
| Net interest margin | 3.5944% | 1,077 |
| Noninterest income to average assets | 0.9250% | 795 |
| Noninterest expense to average assets | 2.8531% | 1,070 |
| Loan and lease loss provision to assets | 0.0387% | 1,891 |
| Net operating income to assets | 1.3914% | 921 |
| Return on assets (ROA) | 1.3914% | 900 |
| Pretax return on assets | 1.4047% | 1,425 |
| Return on Equity (ROE) | 17.6650% | 510 |
| Retained earnings to average equity (ytd only) | 7.7217% | 1,721 |
| Net charge-offs to loans | -0.0176% | 3,814 |
| Credit loss provision to net charge-offs | -280.3738% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4054% | 2,456 |
| Assets per employee ($millions) | 5.6411% | 3,094 |
| Cash dividends to net income (ytd only)* | 56.2883% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 2,273 |
| Loan loss allowance to noncurrent loans | 143.1702% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 674 |
| Noncurrent loans to loans | 0.8954% | 941 |
| Net loans and leases to total assets | 78.3107% | 533 |
| Net loans and leases to deposits | 89.9683% | 724 |
| Net loans and leases to core deposits | 93.4168% | 948 |
| Total domestic deposits to total assets | 87.0426% | 2,920 |
| Equity capital to assets | 7.4318% | 3,512 |
| Core capital (leverage) ratio | 8.4366% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0730% | 3,005 |
| Memoranda: | ||
| Average total assets | $1,549,815,000 | 679 |
| Average earning assets | $1,453,717,000 | 674 |
| Average equity | $122,072,000 | 824 |
| Average total loans | $1,215,366,000 | 561 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 1,270 |
| Cost of funding earning assets | 0.1849% | 3,013 |
| Net interest margin | 3.5149% | 1,065 |
| Noninterest income to average assets | 0.9871% | 690 |
| Noninterest expense to average assets | 2.8631% | 1,033 |
| Loan and lease loss provision to assets | 0.0390% | 1,659 |
| Net operating income to assets | 1.3781% | 840 |
| Return on assets (ROA) | 1.3781% | 834 |
| Pretax return on assets | 1.3874% | 1,280 |
| Return on Equity (ROE) | 17.0046% | 423 |
| Retained earnings to average equity (ytd only) | 10.4120% | 922 |
| Net charge-offs to loans | -0.0410% | 4,190 |
| Credit loss provision to net charge-offs | -121.9512% | 2,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7455% | 2,668 |
| Assets per employee ($millions) | 5.5078% | 3,313 |
| Cash dividends to net income (ytd only)* | 38.7693% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 2,227 |
| Loan loss allowance to noncurrent loans | 130.7008% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 621 |
| Noncurrent loans to loans | 1.0157% | 894 |
| Net loans and leases to total assets | 77.3189% | 431 |
| Net loans and leases to deposits | 84.7374% | 832 |
| Net loans and leases to core deposits | 88.0547% | 1,018 |
| Total domestic deposits to total assets | 91.2453% | 912 |
| Equity capital to assets | 8.0756% | 3,511 |
| Core capital (leverage) ratio | 8.3940% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4400% | 2,990 |
| Memoranda: | ||
| Average total assets | $1,537,788,500 | 687 |
| Average earning assets | $1,444,825,000 | 679 |
| Average equity | $124,625,000 | 829 |
| Average total loans | $1,198,793,000 | 563 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 2,276 |
| Cost of funding earning assets | 0.2457% | 2,981 |
| Net interest margin | 3.3954% | 2,046 |
| Noninterest income to average assets | 1.4898% | 505 |
| Noninterest expense to average assets | 2.9099% | 1,126 |
| Loan and lease loss provision to assets | 0.3525% | 207 |
| Net operating income to assets | 1.3846% | 1,335 |
| Return on assets (ROA) | 1.3876% | 1,374 |
| Pretax return on assets | 1.4020% | 2,047 |
| Return on Equity (ROE) | 16.7567% | 628 |
| Retained earnings to average equity (ytd only) | 4.4815% | 3,014 |
| Net charge-offs to loans | 0.1965% | 497 |
| Credit loss provision to net charge-offs | 224.1963% | 1,237 |
| Earnings coverage of net charge-offs (x) | 11.1400% | 2,169 |
| Efficiency ratio | 62.4258% | 2,799 |
| Assets per employee ($millions) | 5.5752% | 3,189 |
| Cash dividends to net income (ytd only)* | 73.2554% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,368 |
| Loan loss allowance to noncurrent loans | 111.8216% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 587 |
| Noncurrent loans to loans | 1.1604% | 830 |
| Net loans and leases to total assets | 76.5521% | 483 |
| Net loans and leases to deposits | 85.7985% | 800 |
| Net loans and leases to core deposits | 89.0209% | 1,012 |
| Total domestic deposits to total assets | 89.2231% | 1,401 |
| Equity capital to assets | 8.1323% | 4,284 |
| Core capital (leverage) ratio | 8.2621% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4068% | 3,001 |
| Memoranda: | ||
| Average total assets | $1,503,588,800 | 687 |
| Average earning assets | $1,404,478,600 | 678 |
| Average equity | $124,511,200 | 832 |
| Average total loans | $1,203,344,200 | 560 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 2,431 |
| Cost of funding earning assets | 0.2572% | 3,042 |
| Net interest margin | 3.3891% | 2,184 |
| Noninterest income to average assets | 1.5685% | 505 |
| Noninterest expense to average assets | 3.0977% | 824 |
| Loan and lease loss provision to assets | 0.1206% | 978 |
| Net operating income to assets | 1.4916% | 1,293 |
| Return on assets (ROA) | 1.4916% | 1,337 |
| Pretax return on assets | 1.5066% | 1,978 |
| Return on Equity (ROE) | 17.9294% | 635 |
| Retained earnings to average equity (ytd only) | 4.6220% | 3,365 |
| Net charge-offs to loans | -0.0577% | 4,415 |
| Credit loss provision to net charge-offs | -259.1171% | 3,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5609% | 2,165 |
| Assets per employee ($millions) | 5.3298% | 3,379 |
| Cash dividends to net income (ytd only)* | 74.2212% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,907 |
| Loan loss allowance to noncurrent loans | 82.1909% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 469 |
| Noncurrent loans to loans | 1.4814% | 715 |
| Net loans and leases to total assets | 77.8938% | 412 |
| Net loans and leases to deposits | 87.8199% | 729 |
| Net loans and leases to core deposits | 91.0546% | 977 |
| Total domestic deposits to total assets | 88.6973% | 1,464 |
| Equity capital to assets | 8.2933% | 4,356 |
| Core capital (leverage) ratio | 8.4246% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4947% | 3,040 |
| Memoranda: | ||
| Average total assets | $1,492,008,000 | 696 |
| Average earning assets | $1,389,564,250 | 690 |
| Average equity | $124,128,000 | 848 |
| Average total loans | $1,203,658,250 | 574 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 2,452 |
| Cost of funding earning assets | 0.2766% | 3,025 |
| Net interest margin | 3.3797% | 2,205 |
| Noninterest income to average assets | 1.5261% | 530 |
| Noninterest expense to average assets | 3.1811% | 739 |
| Loan and lease loss provision to assets | 0.1212% | 1,046 |
| Net operating income to assets | 1.3575% | 1,683 |
| Return on assets (ROA) | 1.3575% | 1,766 |
| Pretax return on assets | 1.3691% | 2,417 |
| Return on Equity (ROE) | 16.2996% | 898 |
| Retained earnings to average equity (ytd only) | 6.6279% | 2,572 |
| Net charge-offs to loans | -0.0366% | 4,235 |
| Credit loss provision to net charge-offs | -407.2398% | 3,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0969% | 1,871 |
| Assets per employee ($millions) | 5.0847% | 3,581 |
| Cash dividends to net income (ytd only)* | 59.3372% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,201 |
| Loan loss allowance to noncurrent loans | 75.3334% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.3272% | 478 |
| Noncurrent loans to loans | 1.5245% | 740 |
| Net loans and leases to total assets | 80.7343% | 271 |
| Net loans and leases to deposits | 91.4653% | 568 |
| Net loans and leases to core deposits | 95.1872% | 843 |
| Total domestic deposits to total assets | 88.2677% | 1,688 |
| Equity capital to assets | 8.5311% | 4,180 |
| Core capital (leverage) ratio | 8.4566% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8940% | 2,979 |
| Memoranda: | ||
| Average total assets | $1,484,789,333 | 692 |
| Average earning assets | $1,381,773,333 | 690 |
| Average equity | $123,659,667 | 850 |
| Average total loans | $1,207,016,333 | 574 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 2,485 |
| Cost of funding earning assets | 0.3028% | 2,961 |
| Net interest margin | 3.3512% | 2,246 |
| Noninterest income to average assets | 1.4966% | 604 |
| Noninterest expense to average assets | 3.1597% | 764 |
| Loan and lease loss provision to assets | 0.1206% | 1,140 |
| Net operating income to assets | 1.3299% | 1,733 |
| Return on assets (ROA) | 1.3299% | 1,821 |
| Pretax return on assets | 1.3363% | 2,470 |
| Return on Equity (ROE) | 16.1618% | 985 |
| Retained earnings to average equity (ytd only) | 8.8822% | 1,985 |
| Net charge-offs to loans | -0.0281% | 4,141 |
| Credit loss provision to net charge-offs | -529.4118% | 3,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4412% | 1,877 |
| Assets per employee ($millions) | 5.0408% | 3,614 |
| Cash dividends to net income (ytd only)* | 45.0423% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 3,491 |
| Loan loss allowance to noncurrent loans | 70.0255% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 514 |
| Noncurrent loans to loans | 1.5545% | 795 |
| Net loans and leases to total assets | 80.3710% | 318 |
| Net loans and leases to deposits | 90.6212% | 670 |
| Net loans and leases to core deposits | 94.5604% | 946 |
| Total domestic deposits to total assets | 88.6890% | 1,513 |
| Equity capital to assets | 8.3166% | 4,260 |
| Core capital (leverage) ratio | 8.6204% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1113% | 2,907 |
| Memoranda: | ||
| Average total assets | $1,492,441,000 | 680 |
| Average earning assets | $1,389,470,500 | 677 |
| Average equity | $122,808,000 | 848 |
| Average total loans | $1,210,443,500 | 571 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 2,121 |
| Cost of funding earning assets | 0.5234% | 2,794 |
| Net interest margin | 3.6821% | 1,863 |
| Noninterest income to average assets | 1.3401% | 649 |
| Noninterest expense to average assets | 3.1701% | 1,110 |
| Loan and lease loss provision to assets | 0.4589% | 601 |
| Net operating income to assets | 1.1110% | 1,885 |
| Return on assets (ROA) | 1.1110% | 2,004 |
| Pretax return on assets | 1.1239% | 2,606 |
| Return on Equity (ROE) | 12.9378% | 1,059 |
| Retained earnings to average equity (ytd only) | 6.1132% | 1,747 |
| Net charge-offs to loans | 0.3968% | 436 |
| Credit loss provision to net charge-offs | 137.8778% | 2,498 |
| Earnings coverage of net charge-offs (x) | 4.7553% | 2,941 |
| Efficiency ratio | 66.6986% | 2,409 |
| Assets per employee ($millions) | 5.0433% | 3,347 |
| Cash dividends to net income (ytd only)* | 52.7495% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,696 |
| Loan loss allowance to noncurrent loans | 63.5770% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.6039% | 434 |
| Noncurrent loans to loans | 1.6480% | 796 |
| Net loans and leases to total assets | 80.1063% | 420 |
| Net loans and leases to deposits | 98.1955% | 454 |
| Net loans and leases to core deposits | 102.3734% | 794 |
| Total domestic deposits to total assets | 81.5784% | 3,747 |
| Equity capital to assets | 8.1408% | 4,649 |
| Core capital (leverage) ratio | 8.7890% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6521% | 2,999 |
| Memoranda: | ||
| Average total assets | $1,361,897,000 | 673 |
| Average earning assets | $1,262,299,200 | 668 |
| Average equity | $116,944,200 | 842 |
| Average total loans | $1,142,446,800 | 563 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,010 |
| Cost of funding earning assets | 0.5748% | 2,773 |
| Net interest margin | 3.7592% | 1,736 |
| Noninterest income to average assets | 1.2775% | 667 |
| Noninterest expense to average assets | 3.2930% | 916 |
| Loan and lease loss provision to assets | 0.3912% | 922 |
| Net operating income to assets | 1.0626% | 2,099 |
| Return on assets (ROA) | 1.0626% | 2,232 |
| Pretax return on assets | 1.0748% | 2,829 |
| Return on Equity (ROE) | 12.1967% | 1,318 |
| Retained earnings to average equity (ytd only) | 4.2314% | 2,934 |
| Net charge-offs to loans | 0.2866% | 553 |
| Credit loss provision to net charge-offs | 161.1570% | 2,261 |
| Earnings coverage of net charge-offs (x) | 6.0393% | 2,685 |
| Efficiency ratio | 69.1946% | 2,006 |
| Assets per employee ($millions) | 5.0623% | 3,165 |
| Cash dividends to net income (ytd only)* | 65.3073% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,685 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.3551% | 674 |
| Noncurrent loans to loans | 1.2077% | 1,260 |
| Net loans and leases to total assets | 83.2464% | 338 |
| Net loans and leases to deposits | 105.1837% | 350 |
| Net loans and leases to core deposits | 109.7730% | 711 |
| Total domestic deposits to total assets | 79.1438% | 4,038 |
| Equity capital to assets | 8.0464% | 4,696 |
| Core capital (leverage) ratio | 8.9859% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3820% | 3,050 |
| Memoranda: | ||
| Average total assets | $1,329,167,250 | 672 |
| Average earning assets | $1,231,019,500 | 669 |
| Average equity | $115,798,500 | 846 |
| Average total loans | $1,125,933,000 | 565 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 1,973 |
| Cost of funding earning assets | 0.6456% | 2,725 |
| Net interest margin | 3.8362% | 1,725 |
| Noninterest income to average assets | 1.1585% | 742 |
| Noninterest expense to average assets | 3.3346% | 943 |
| Loan and lease loss provision to assets | 0.1871% | 2,154 |
| Net operating income to assets | 1.1755% | 1,708 |
| Return on assets (ROA) | 1.1755% | 1,845 |
| Pretax return on assets | 1.1886% | 2,398 |
| Return on Equity (ROE) | 13.1105% | 1,074 |
| Retained earnings to average equity (ytd only) | 4.0479% | 2,879 |
| Net charge-offs to loans | 0.0169% | 2,391 |
| Credit loss provision to net charge-offs | 1,304.3478% | 668 |
| Earnings coverage of net charge-offs (x) | 95.9130% | 716 |
| Efficiency ratio | 70.7940% | 1,848 |
| Assets per employee ($millions) | 5.0377% | 3,124 |
| Cash dividends to net income (ytd only)* | 69.1247% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 3,531 |
| Loan loss allowance to noncurrent loans | 73.2794% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.4877% | 628 |
| Noncurrent loans to loans | 1.3751% | 1,124 |
| Net loans and leases to total assets | 81.6098% | 443 |
| Net loans and leases to deposits | 103.1694% | 408 |
| Net loans and leases to core deposits | 107.8628% | 826 |
| Total domestic deposits to total assets | 79.1027% | 4,024 |
| Equity capital to assets | 8.0512% | 4,692 |
| Core capital (leverage) ratio | 8.8736% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5640% | 3,074 |
| Memoranda: | ||
| Average total assets | $1,282,862,667 | 675 |
| Average earning assets | $1,187,738,000 | 672 |
| Average equity | $115,022,000 | 846 |
| Average total loans | $1,089,727,667 | 576 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 1,153 |
| Cost of funding earning assets | 0.7753% | 2,517 |
| Net interest margin | 4.1412% | 1,053 |
| Noninterest income to average assets | 0.9512% | 952 |
| Noninterest expense to average assets | 3.5096% | 922 |
| Loan and lease loss provision to assets | 0.1501% | 1,897 |
| Net operating income to assets | 1.1100% | 1,814 |
| Return on assets (ROA) | 1.1100% | 1,906 |
| Pretax return on assets | 1.1211% | 2,453 |
| Return on Equity (ROE) | 11.6606% | 1,206 |
| Retained earnings to average equity (ytd only) | 4.2444% | 2,588 |
| Net charge-offs to loans | 0.0150% | 2,067 |
| Credit loss provision to net charge-offs | 1,153.8462% | 515 |
| Earnings coverage of net charge-offs (x) | 97.6923% | 588 |
| Efficiency ratio | 73.4106% | 1,891 |
| Assets per employee ($millions) | 4.1686% | 3,697 |
| Cash dividends to net income (ytd only)* | 63.6008% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,182 |
| Loan loss allowance to noncurrent loans | 69.9261% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.8032% | 505 |
| Noncurrent loans to loans | 1.5804% | 994 |
| Net loans and leases to total assets | 85.5367% | 165 |
| Net loans and leases to deposits | 99.6921% | 575 |
| Net loans and leases to core deposits | 104.5513% | 1,151 |
| Total domestic deposits to total assets | 85.8009% | 2,087 |
| Equity capital to assets | 9.6465% | 4,085 |
| Core capital (leverage) ratio | 9.8338% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7139% | 3,180 |
| Memoranda: | ||
| Average total assets | $1,198,868,000 | 691 |
| Average earning assets | $1,108,671,000 | 691 |
| Average equity | $114,127,500 | 839 |
| Average total loans | $1,036,546,500 | 578 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 1,420 |
| Cost of funding earning assets | 0.9174% | 2,126 |
| Net interest margin | 4.1044% | 1,529 |
| Noninterest income to average assets | 0.8612% | 1,268 |
| Noninterest expense to average assets | 3.3264% | 1,247 |
| Loan and lease loss provision to assets | 0.4021% | 356 |
| Net operating income to assets | 0.9378% | 3,067 |
| Return on assets (ROA) | 0.9378% | 3,145 |
| Pretax return on assets | 0.9494% | 3,606 |
| Return on Equity (ROE) | 10.0375% | 2,277 |
| Retained earnings to average equity (ytd only) | 1.3027% | 4,274 |
| Net charge-offs to loans | 0.4906% | 383 |
| Credit loss provision to net charge-offs | 94.4239% | 2,599 |
| Earnings coverage of net charge-offs (x) | 3.1735% | 3,351 |
| Efficiency ratio | 71.1092% | 2,006 |
| Assets per employee ($millions) | 4.3203% | 3,479 |
| Cash dividends to net income (ytd only)* | 87.0214% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 3,237 |
| Loan loss allowance to noncurrent loans | 58.7304% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.7464% | 519 |
| Noncurrent loans to loans | 1.7825% | 758 |
| Net loans and leases to total assets | 85.5241% | 200 |
| Net loans and leases to deposits | 100.7487% | 543 |
| Net loans and leases to core deposits | 106.2982% | 1,091 |
| Total domestic deposits to total assets | 84.8886% | 2,541 |
| Equity capital to assets | 9.3949% | 4,434 |
| Core capital (leverage) ratio | 9.5731% | 3,988 |
| Tier 1 risk-based capital ratio | 10.3936% | 5,049 |
| Total risk-based capital ratio | 11.4012% | 5,048 |
| Memoranda: | ||
| Average total assets | $1,208,593,600 | 654 |
| Average earning assets | $1,123,870,400 | 646 |
| Average equity | $112,916,600 | 804 |
| Average total loans | $1,049,128,000 | 549 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0125% | 1,500 |
| Cost of funding earning assets | 0.9345% | 2,065 |
| Net interest margin | 4.0780% | 1,679 |
| Noninterest income to average assets | 0.8725% | 1,213 |
| Noninterest expense to average assets | 3.3281% | 1,208 |
| Loan and lease loss provision to assets | 0.1490% | 1,274 |
| Net operating income to assets | 1.1752% | 2,278 |
| Return on assets (ROA) | 1.1752% | 2,358 |
| Pretax return on assets | 1.1902% | 3,009 |
| Return on Equity (ROE) | 12.5957% | 1,412 |
| Retained earnings to average equity (ytd only) | 2.9355% | 3,918 |
| Net charge-offs to loans | 0.0984% | 1,491 |
| Credit loss provision to net charge-offs | 174.1935% | 1,467 |
| Earnings coverage of net charge-offs (x) | 15.6593% | 2,173 |
| Efficiency ratio | 71.3077% | 1,921 |
| Assets per employee ($millions) | 4.4873% | 3,229 |
| Cash dividends to net income (ytd only)* | 76.6948% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 2,893 |
| Loan loss allowance to noncurrent loans | 42.8054% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.4917% | 281 |
| Noncurrent loans to loans | 2.6322% | 421 |
| Net loans and leases to total assets | 85.5161% | 221 |
| Net loans and leases to deposits | 101.4818% | 532 |
| Net loans and leases to core deposits | 106.8168% | 1,125 |
| Total domestic deposits to total assets | 84.2674% | 2,722 |
| Equity capital to assets | 9.4597% | 4,488 |
| Core capital (leverage) ratio | 9.7873% | 3,873 |
| Tier 1 risk-based capital ratio | 10.4081% | 5,104 |
| Total risk-based capital ratio | 11.4854% | 5,069 |
| Memoranda: | ||
| Average total assets | $1,208,323,750 | 658 |
| Average earning assets | $1,124,377,000 | 644 |
| Average equity | $112,733,750 | 806 |
| Average total loans | $1,050,033,250 | 549 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9980% | 1,492 |
| Cost of funding earning assets | 0.9317% | 2,003 |
| Net interest margin | 4.0663% | 1,708 |
| Noninterest income to average assets | 0.8191% | 1,287 |
| Noninterest expense to average assets | 3.3142% | 1,260 |
| Loan and lease loss provision to assets | 0.1491% | 1,231 |
| Net operating income to assets | 1.1289% | 2,409 |
| Return on assets (ROA) | 1.1289% | 2,482 |
| Pretax return on assets | 1.1436% | 3,100 |
| Return on Equity (ROE) | 12.1561% | 1,517 |
| Retained earnings to average equity (ytd only) | 1.5003% | 4,290 |
| Net charge-offs to loans | 0.1192% | 1,240 |
| Credit loss provision to net charge-offs | 143.7700% | 1,542 |
| Earnings coverage of net charge-offs (x) | 12.4649% | 2,152 |
| Efficiency ratio | 71.9397% | 1,933 |
| Assets per employee ($millions) | 4.4591% | 3,206 |
| Cash dividends to net income (ytd only)* | 87.6578% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,046 |
| Loan loss allowance to noncurrent loans | 54.1612% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.9083% | 506 |
| Noncurrent loans to loans | 2.0406% | 688 |
| Net loans and leases to total assets | 85.5150% | 251 |
| Net loans and leases to deposits | 99.3187% | 727 |
| Net loans and leases to core deposits | 112.8418% | 829 |
| Total domestic deposits to total assets | 86.1017% | 1,974 |
| Equity capital to assets | 9.3836% | 4,518 |
| Core capital (leverage) ratio | 9.6166% | 4,017 |
| Tier 1 risk-based capital ratio | 10.4182% | 5,131 |
| Total risk-based capital ratio | 11.4839% | 5,113 |
| Memoranda: | ||
| Average total assets | $1,207,243,330 | 658 |
| Average earning assets | $1,124,571,670 | 644 |
| Average equity | $112,108,000 | 808 |
| Average total loans | $1,050,747,670 | 548 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 1,408 |
| Cost of funding earning assets | 0.9128% | 1,949 |
| Net interest margin | 4.0593% | 1,667 |
| Noninterest income to average assets | 0.7495% | 1,433 |
| Noninterest expense to average assets | 3.1844% | 1,532 |
| Loan and lease loss provision to assets | 0.1489% | 1,135 |
| Net operating income to assets | 1.1770% | 2,146 |
| Return on assets (ROA) | 1.1770% | 2,193 |
| Pretax return on assets | 1.1935% | 2,831 |
| Return on Equity (ROE) | 12.7406% | 1,309 |
| Retained earnings to average equity (ytd only) | 3.1484% | 3,680 |
| Net charge-offs to loans | -0.0045% | 3,999 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3457% | 2,283 |
| Assets per employee ($millions) | 4.4411% | 3,273 |
| Cash dividends to net income (ytd only)* | 75.2882% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,023 |
| Loan loss allowance to noncurrent loans | 59.7273% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 663 |
| Noncurrent loans to loans | 1.8740% | 813 |
| Net loans and leases to total assets | 85.5212% | 227 |
| Net loans and leases to deposits | 98.1960% | 772 |
| Net loans and leases to core deposits | 113.2113% | 774 |
| Total domestic deposits to total assets | 87.0924% | 1,762 |
| Equity capital to assets | 9.2994% | 4,433 |
| Core capital (leverage) ratio | 9.4692% | 4,165 |
| Tier 1 risk-based capital ratio | 10.3517% | 5,210 |
| Total risk-based capital ratio | 11.4275% | 5,200 |
| Memoranda: | ||
| Average total assets | $1,208,886,000 | 660 |
| Average earning assets | $1,124,932,500 | 648 |
| Average equity | $111,674,500 | 796 |
| Average total loans | $1,055,586,000 | 549 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 1,520 |
| Cost of funding earning assets | 0.7336% | 1,877 |
| Net interest margin | 4.0788% | 1,750 |
| Noninterest income to average assets | 0.7693% | 1,571 |
| Noninterest expense to average assets | 3.2763% | 1,383 |
| Loan and lease loss provision to assets | 0.3231% | 496 |
| Net operating income to assets | 0.9486% | 3,240 |
| Return on assets (ROA) | 0.9486% | 3,237 |
| Pretax return on assets | 0.9606% | 3,726 |
| Return on Equity (ROE) | 10.3269% | 2,382 |
| Retained earnings to average equity (ytd only) | 1.5599% | 4,513 |
| Net charge-offs to loans | 0.3401% | 559 |
| Credit loss provision to net charge-offs | 107.5269% | 2,382 |
| Earnings coverage of net charge-offs (x) | 4.2716% | 3,310 |
| Efficiency ratio | 71.8484% | 1,927 |
| Assets per employee ($millions) | 4.3833% | 3,328 |
| Cash dividends to net income (ytd only)* | 84.8947% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 3,358 |
| Loan loss allowance to noncurrent loans | 59.9040% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 698 |
| Noncurrent loans to loans | 1.7582% | 808 |
| Net loans and leases to total assets | 87.2188% | 156 |
| Net loans and leases to deposits | 97.6990% | 924 |
| Net loans and leases to core deposits | 114.8452% | 745 |
| Total domestic deposits to total assets | 89.2730% | 750 |
| Equity capital to assets | 9.1763% | 4,425 |
| Core capital (leverage) ratio | 9.3651% | 4,281 |
| Tier 1 risk-based capital ratio | 10.0632% | 5,292 |
| Total risk-based capital ratio | 11.0751% | 5,302 |
| Memoranda: | ||
| Average total assets | $1,175,965,400 | 652 |
| Average earning assets | $1,092,894,800 | 649 |
| Average equity | $108,019,000 | 790 |
| Average total loans | $1,039,139,000 | 542 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 1,581 |
| Cost of funding earning assets | 0.6957% | 1,865 |
| Net interest margin | 4.0409% | 1,822 |
| Noninterest income to average assets | 0.7831% | 1,529 |
| Noninterest expense to average assets | 3.3310% | 1,232 |
| Loan and lease loss provision to assets | 0.1542% | 1,269 |
| Net operating income to assets | 1.0444% | 2,894 |
| Return on assets (ROA) | 1.0444% | 2,908 |
| Pretax return on assets | 1.0567% | 3,551 |
| Return on Equity (ROE) | 11.3666% | 2,031 |
| Retained earnings to average equity (ytd only) | 1.8097% | 4,636 |
| Net charge-offs to loans | 0.1357% | 1,192 |
| Credit loss provision to net charge-offs | 128.4491% | 1,911 |
| Earnings coverage of net charge-offs (x) | 10.0885% | 2,608 |
| Efficiency ratio | 73.3399% | 1,680 |
| Assets per employee ($millions) | 4.3800% | 3,305 |
| Cash dividends to net income (ytd only)* | 84.0787% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,349 |
| Loan loss allowance to noncurrent loans | 51.6743% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.0707% | 505 |
| Noncurrent loans to loans | 2.0731% | 693 |
| Net loans and leases to total assets | 87.3207% | 166 |
| Net loans and leases to deposits | 99.2235% | 845 |
| Net loans and leases to core deposits | 113.2543% | 853 |
| Total domestic deposits to total assets | 88.0040% | 1,238 |
| Equity capital to assets | 9.0539% | 4,503 |
| Core capital (leverage) ratio | 9.2223% | 4,494 |
| Tier 1 risk-based capital ratio | 9.9171% | 5,396 |
| Total risk-based capital ratio | 10.9423% | 5,393 |
| Memoranda: | ||
| Average total assets | $1,167,507,750 | 653 |
| Average earning assets | $1,086,001,000 | 648 |
| Average equity | $107,270,250 | 794 |
| Average total loans | $1,032,323,250 | 545 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 1,615 |
| Cost of funding earning assets | 0.6489% | 1,929 |
| Net interest margin | 4.0114% | 1,821 |
| Noninterest income to average assets | 0.7646% | 1,593 |
| Noninterest expense to average assets | 3.3149% | 1,282 |
| Loan and lease loss provision to assets | 0.1552% | 1,216 |
| Net operating income to assets | 1.0166% | 2,942 |
| Return on assets (ROA) | 1.0166% | 2,952 |
| Pretax return on assets | 1.0285% | 3,575 |
| Return on Equity (ROE) | 11.0094% | 2,110 |
| Retained earnings to average equity (ytd only) | 0.6556% | 4,834 |
| Net charge-offs to loans | 0.1868% | 838 |
| Credit loss provision to net charge-offs | 93.9457% | 2,122 |
| Earnings coverage of net charge-offs (x) | 7.1639% | 2,568 |
| Efficiency ratio | 73.6868% | 1,751 |
| Assets per employee ($millions) | 4.3116% | 3,408 |
| Cash dividends to net income (ytd only)* | 94.0448% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 3,545 |
| Loan loss allowance to noncurrent loans | 47.6623% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 2.0855% | 494 |
| Noncurrent loans to loans | 2.1998% | 634 |
| Net loans and leases to total assets | 87.4605% | 175 |
| Net loans and leases to deposits | 101.7369% | 682 |
| Net loans and leases to core deposits | 119.0250% | 588 |
| Total domestic deposits to total assets | 85.9674% | 2,297 |
| Equity capital to assets | 9.0869% | 4,493 |
| Core capital (leverage) ratio | 9.2636% | 4,400 |
| Tier 1 risk-based capital ratio | 9.9421% | 5,445 |
| Total risk-based capital ratio | 10.9468% | 5,443 |
| Memoranda: | ||
| Average total assets | $1,159,556,000 | 661 |
| Average earning assets | $1,079,368,330 | 653 |
| Average equity | $107,072,000 | 797 |
| Average total loans | $1,025,907,330 | 545 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6814% | 1,348 |
| Cost of funding earning assets | 0.5947% | 2,092 |
| Net interest margin | 4.0867% | 1,472 |
| Noninterest income to average assets | 0.7032% | 1,815 |
| Noninterest expense to average assets | 3.3761% | 1,206 |
| Loan and lease loss provision to assets | 0.1564% | 1,156 |
| Net operating income to assets | 0.9673% | 2,999 |
| Return on assets (ROA) | 0.9673% | 3,025 |
| Pretax return on assets | 0.9781% | 3,608 |
| Return on Equity (ROE) | 10.3912% | 2,233 |
| Retained earnings to average equity (ytd only) | 0.9297% | 4,647 |
| Net charge-offs to loans | 0.0428% | 1,689 |
| Credit loss provision to net charge-offs | 412.8440% | 678 |
| Earnings coverage of net charge-offs (x) | 29.9450% | 1,240 |
| Efficiency ratio | 74.8478% | 1,773 |
| Assets per employee ($millions) | 4.2629% | 3,545 |
| Cash dividends to net income (ytd only)* | 91.0528% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 3,320 |
| Loan loss allowance to noncurrent loans | 62.8726% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 767 |
| Noncurrent loans to loans | 1.7637% | 968 |
| Net loans and leases to total assets | 87.9367% | 140 |
| Net loans and leases to deposits | 101.5097% | 610 |
| Net loans and leases to core deposits | 126.2565% | 414 |
| Total domestic deposits to total assets | 86.6288% | 2,266 |
| Equity capital to assets | 9.3284% | 4,243 |
| Core capital (leverage) ratio | 9.3945% | 4,198 |
| Tier 1 risk-based capital ratio | 10.1158% | 5,466 |
| Total risk-based capital ratio | 11.1763% | 5,466 |
| Memoranda: | ||
| Average total assets | $1,150,806,500 | 669 |
| Average earning assets | $1,072,152,500 | 661 |
| Average equity | $107,129,000 | 792 |
| Average total loans | $1,018,678,000 | 551 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 1,500 |
| Cost of funding earning assets | 0.4806% | 2,497 |
| Net interest margin | 4.0952% | 1,458 |
| Noninterest income to average assets | 0.7418% | 1,800 |
| Noninterest expense to average assets | 3.2797% | 1,415 |
| Loan and lease loss provision to assets | 0.1596% | 1,405 |
| Net operating income to assets | 1.0983% | 1,859 |
| Return on assets (ROA) | 1.0983% | 1,880 |
| Pretax return on assets | 1.1123% | 3,133 |
| Return on Equity (ROE) | 11.4727% | 1,349 |
| Retained earnings to average equity (ytd only) | -0.3548% | 5,098 |
| Net charge-offs to loans | 0.2458% | 1,058 |
| Credit loss provision to net charge-offs | 73.6799% | 3,037 |
| Earnings coverage of net charge-offs (x) | 5.8698% | 3,262 |
| Efficiency ratio | 72.0571% | 2,217 |
| Assets per employee ($millions) | 4.2150% | 3,632 |
| Cash dividends to net income (ytd only)* | 103.0927% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,465 |
| Loan loss allowance to noncurrent loans | 58.9538% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.7124% | 743 |
| Noncurrent loans to loans | 1.8278% | 875 |
| Net loans and leases to total assets | 87.1679% | 179 |
| Net loans and leases to deposits | 99.3815% | 782 |
| Net loans and leases to core deposits | 126.9638% | 411 |
| Total domestic deposits to total assets | 87.7104% | 1,653 |
| Equity capital to assets | 9.2898% | 4,440 |
| Core capital (leverage) ratio | 9.3991% | 4,158 |
| Tier 1 risk-based capital ratio | 10.0848% | 5,510 |
| Total risk-based capital ratio | 11.1126% | 5,520 |
| Memoranda: | ||
| Average total assets | $1,127,521,200 | 653 |
| Average earning assets | $1,048,904,600 | 645 |
| Average equity | $107,943,200 | 759 |
| Average total loans | $993,954,000 | 547 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 1,487 |
| Cost of funding earning assets | 0.4585% | 2,631 |
| Net interest margin | 4.0967% | 1,398 |
| Noninterest income to average assets | 0.7410% | 1,828 |
| Noninterest expense to average assets | 3.1887% | 1,582 |
| Loan and lease loss provision to assets | 0.1606% | 1,280 |
| Net operating income to assets | 1.1887% | 1,741 |
| Return on assets (ROA) | 1.1888% | 1,777 |
| Pretax return on assets | 1.2040% | 2,890 |
| Return on Equity (ROE) | 12.3233% | 1,235 |
| Retained earnings to average equity (ytd only) | -1.6785% | 5,407 |
| Net charge-offs to loans | 0.0779% | 2,029 |
| Credit loss provision to net charge-offs | 233.9688% | 1,193 |
| Earnings coverage of net charge-offs (x) | 19.8771% | 1,979 |
| Efficiency ratio | 70.0321% | 2,531 |
| Assets per employee ($millions) | 4.2226% | 3,604 |
| Cash dividends to net income (ytd only)* | 113.6209% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,713 |
| Loan loss allowance to noncurrent loans | 60.0136% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.9193% | 697 |
| Noncurrent loans to loans | 2.0609% | 821 |
| Net loans and leases to total assets | 87.3703% | 178 |
| Net loans and leases to deposits | 96.7900% | 1,030 |
| Net loans and leases to core deposits | 124.9873% | 433 |
| Total domestic deposits to total assets | 90.2679% | 388 |
| Equity capital to assets | 9.4408% | 4,497 |
| Core capital (leverage) ratio | 9.5078% | 4,156 |
| Tier 1 risk-based capital ratio | 10.1464% | 5,561 |
| Total risk-based capital ratio | 11.3244% | 5,538 |
| Memoranda: | ||
| Average total assets | $1,120,676,750 | 663 |
| Average earning assets | $1,042,862,750 | 653 |
| Average equity | $108,107,000 | 760 |
| Average total loans | $988,025,750 | 551 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 1,481 |
| Cost of funding earning assets | 0.4254% | 2,845 |
| Net interest margin | 4.0892% | 1,357 |
| Noninterest income to average assets | 0.7409% | 1,807 |
| Noninterest expense to average assets | 3.2112% | 1,552 |
| Loan and lease loss provision to assets | 0.1611% | 1,241 |
| Net operating income to assets | 1.1572% | 1,753 |
| Return on assets (ROA) | 1.1574% | 1,796 |
| Pretax return on assets | 1.1726% | 2,883 |
| Return on Equity (ROE) | 11.9119% | 1,328 |
| Retained earnings to average equity (ytd only) | 1.2881% | 4,734 |
| Net charge-offs to loans | -0.0352% | 5,026 |
| Credit loss provision to net charge-offs | -520.2312% | 4,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6575% | 2,565 |
| Assets per employee ($millions) | 4.2705% | 3,491 |
| Cash dividends to net income (ytd only)* | 89.1863% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,501 |
| Loan loss allowance to noncurrent loans | 54.4385% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.1842% | 548 |
| Noncurrent loans to loans | 2.3554% | 665 |
| Net loans and leases to total assets | 87.2657% | 185 |
| Net loans and leases to deposits | 100.6614% | 689 |
| Net loans and leases to core deposits | 121.1058% | 511 |
| Total domestic deposits to total assets | 86.6923% | 2,091 |
| Equity capital to assets | 9.7393% | 4,187 |
| Core capital (leverage) ratio | 9.7800% | 3,803 |
| Tier 1 risk-based capital ratio | 10.4546% | 5,475 |
| Total risk-based capital ratio | 11.6742% | 5,416 |
| Memoranda: | ||
| Average total assets | $1,117,015,330 | 668 |
| Average earning assets | $1,039,085,670 | 658 |
| Average equity | $108,530,000 | 756 |
| Average total loans | $983,661,670 | 553 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 1,327 |
| Cost of funding earning assets | 0.3919% | 3,086 |
| Net interest margin | 4.1293% | 1,147 |
| Noninterest income to average assets | 0.7315% | 1,817 |
| Noninterest expense to average assets | 3.1961% | 1,618 |
| Loan and lease loss provision to assets | 0.1613% | 1,118 |
| Net operating income to assets | 1.1942% | 1,517 |
| Return on assets (ROA) | 1.1942% | 1,559 |
| Pretax return on assets | 1.2110% | 2,552 |
| Return on Equity (ROE) | 12.3054% | 1,162 |
| Retained earnings to average equity (ytd only) | 4.2618% | 3,310 |
| Net charge-offs to loans | -0.1831% | 5,603 |
| Credit loss provision to net charge-offs | -100.2227% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9616% | 2,900 |
| Assets per employee ($millions) | 4.2443% | 3,598 |
| Cash dividends to net income (ytd only)* | 65.3661% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,639 |
| Loan loss allowance to noncurrent loans | 85.0537% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.4852% | 1,089 |
| Noncurrent loans to loans | 1.5038% | 1,326 |
| Net loans and leases to total assets | 87.1523% | 150 |
| Net loans and leases to deposits | 98.3273% | 743 |
| Net loans and leases to core deposits | 117.6100% | 536 |
| Total domestic deposits to total assets | 88.6350% | 1,352 |
| Equity capital to assets | 9.8476% | 3,933 |
| Core capital (leverage) ratio | 9.9194% | 3,604 |
| Tier 1 risk-based capital ratio | 10.6595% | 5,479 |
| Total risk-based capital ratio | 11.8804% | 5,403 |
| Memoranda: | ||
| Average total assets | $1,116,093,500 | 672 |
| Average earning assets | $1,037,078,500 | 664 |
| Average equity | $108,310,500 | 759 |
| Average total loans | $980,961,500 | 548 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 1,417 |
| Cost of funding earning assets | 0.3440% | 3,592 |
| Net interest margin | 4.1999% | 1,117 |
| Noninterest income to average assets | 0.7998% | 1,744 |
| Noninterest expense to average assets | 3.2748% | 1,635 |
| Loan and lease loss provision to assets | 0.1675% | 1,462 |
| Net operating income to assets | 1.2292% | 1,411 |
| Return on assets (ROA) | 1.2593% | 1,413 |
| Pretax return on assets | 1.2749% | 2,376 |
| Return on Equity (ROE) | 13.5727% | 855 |
| Retained earnings to average equity (ytd only) | 4.9402% | 2,384 |
| Net charge-offs to loans | 0.0832% | 2,500 |
| Credit loss provision to net charge-offs | 230.4738% | 1,253 |
| Earnings coverage of net charge-offs (x) | 19.4251% | 1,915 |
| Efficiency ratio | 69.8731% | 2,923 |
| Assets per employee ($millions) | 4.2431% | 3,540 |
| Cash dividends to net income (ytd only)* | 63.6021% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 3,240 |
| Loan loss allowance to noncurrent loans | 110.9423% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1044% | 1,688 |
| Noncurrent loans to loans | 1.0634% | 1,952 |
| Net loans and leases to total assets | 86.4767% | 210 |
| Net loans and leases to deposits | 99.3754% | 711 |
| Net loans and leases to core deposits | 116.6262% | 592 |
| Total domestic deposits to total assets | 87.0203% | 2,136 |
| Equity capital to assets | 9.5634% | 4,205 |
| Core capital (leverage) ratio | 9.8511% | 3,688 |
| Tier 1 risk-based capital ratio | 10.5131% | 5,566 |
| Total risk-based capital ratio | 11.6407% | 5,559 |
| Memoranda: | ||
| Average total assets | $1,074,452,600 | 672 |
| Average earning assets | $994,377,800 | 666 |
| Average equity | $99,692,600 | 790 |
| Average total loans | $939,225,600 | 540 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 1,466 |
| Cost of funding earning assets | 0.3353% | 3,713 |
| Net interest margin | 4.1890% | 1,148 |
| Noninterest income to average assets | 0.7902% | 1,805 |
| Noninterest expense to average assets | 3.3305% | 1,491 |
| Loan and lease loss provision to assets | 0.1695% | 1,342 |
| Net operating income to assets | 1.1531% | 1,793 |
| Return on assets (ROA) | 1.1945% | 1,755 |
| Pretax return on assets | 1.2097% | 2,796 |
| Return on Equity (ROE) | 12.9793% | 1,064 |
| Retained earnings to average equity (ytd only) | 3.0982% | 4,054 |
| Net charge-offs to loans | 0.0720% | 2,286 |
| Credit loss provision to net charge-offs | 269.4611% | 1,139 |
| Earnings coverage of net charge-offs (x) | 21.2616% | 1,826 |
| Efficiency ratio | 71.3494% | 2,675 |
| Assets per employee ($millions) | 4.1364% | 3,718 |
| Cash dividends to net income (ytd only)* | 76.1299% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 3,249 |
| Loan loss allowance to noncurrent loans | 96.7357% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3142% | 1,456 |
| Noncurrent loans to loans | 1.2381% | 1,812 |
| Net loans and leases to total assets | 86.7404% | 204 |
| Net loans and leases to deposits | 97.5225% | 899 |
| Net loans and leases to core deposits | 110.6955% | 876 |
| Total domestic deposits to total assets | 88.9440% | 936 |
| Equity capital to assets | 9.1015% | 5,071 |
| Core capital (leverage) ratio | 9.1241% | 4,689 |
| Tier 1 risk-based capital ratio | 9.8948% | 5,818 |
| Total risk-based capital ratio | 11.0418% | 5,818 |
| Memoranda: | ||
| Average total assets | $1,061,960,250 | 680 |
| Average earning assets | $983,037,000 | 676 |
| Average equity | $97,732,500 | 812 |
| Average total loans | $928,039,000 | 546 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 1,431 |
| Cost of funding earning assets | 0.3232% | 3,866 |
| Net interest margin | 4.2068% | 1,099 |
| Noninterest income to average assets | 0.7933% | 1,742 |
| Noninterest expense to average assets | 3.3659% | 1,448 |
| Loan and lease loss provision to assets | 0.1709% | 1,294 |
| Net operating income to assets | 1.1342% | 1,829 |
| Return on assets (ROA) | 1.1966% | 1,707 |
| Pretax return on assets | 1.2122% | 2,739 |
| Return on Equity (ROE) | 12.9530% | 1,044 |
| Retained earnings to average equity (ytd only) | 1.9690% | 4,575 |
| Net charge-offs to loans | 0.1079% | 1,747 |
| Credit loss provision to net charge-offs | 181.4516% | 1,395 |
| Earnings coverage of net charge-offs (x) | 14.0161% | 2,085 |
| Efficiency ratio | 71.8303% | 2,688 |
| Assets per employee ($millions) | 3.9703% | 3,970 |
| Cash dividends to net income (ytd only)* | 84.7985% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 3,437 |
| Loan loss allowance to noncurrent loans | 116.9077% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 1,729 |
| Noncurrent loans to loans | 1.0134% | 2,263 |
| Net loans and leases to total assets | 86.4990% | 216 |
| Net loans and leases to deposits | 105.6087% | 384 |
| Net loans and leases to core deposits | 115.2393% | 669 |
| Total domestic deposits to total assets | 81.9052% | 4,021 |
| Equity capital to assets | 9.2214% | 5,052 |
| Core capital (leverage) ratio | 9.3114% | 4,448 |
| Tier 1 risk-based capital ratio | 10.0802% | 5,829 |
| Total risk-based capital ratio | 11.2184% | 5,810 |
| Memoranda: | ||
| Average total assets | $1,053,326,000 | 684 |
| Average earning assets | $974,653,670 | 684 |
| Average equity | $97,306,000 | 814 |
| Average total loans | $919,033,330 | 548 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5110% | 1,475 |
| Cost of funding earning assets | 0.3160% | 3,995 |
| Net interest margin | 4.1950% | 1,105 |
| Noninterest income to average assets | 0.7296% | 1,910 |
| Noninterest expense to average assets | 3.3857% | 1,412 |
| Loan and lease loss provision to assets | 0.1714% | 1,199 |
| Net operating income to assets | 1.0360% | 2,135 |
| Return on assets (ROA) | 1.1612% | 1,781 |
| Pretax return on assets | 1.1776% | 2,790 |
| Return on Equity (ROE) | 12.5585% | 1,138 |
| Retained earnings to average equity (ytd only) | 3.0613% | 3,978 |
| Net charge-offs to loans | 0.0407% | 2,187 |
| Credit loss provision to net charge-offs | 483.8710% | 629 |
| Earnings coverage of net charge-offs (x) | 34.5054% | 1,096 |
| Efficiency ratio | 73.4706% | 2,563 |
| Assets per employee ($millions) | 3.9124% | 4,102 |
| Cash dividends to net income (ytd only)* | 75.6234% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 3,435 |
| Loan loss allowance to noncurrent loans | 113.6052% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 1,778 |
| Noncurrent loans to loans | 1.0628% | 2,264 |
| Net loans and leases to total assets | 86.3909% | 201 |
| Net loans and leases to deposits | 97.5558% | 797 |
| Net loans and leases to core deposits | 108.8684% | 921 |
| Total domestic deposits to total assets | 88.5554% | 1,329 |
| Equity capital to assets | 9.3867% | 4,786 |
| Core capital (leverage) ratio | 9.3040% | 4,488 |
| Tier 1 risk-based capital ratio | 10.3130% | 5,822 |
| Total risk-based capital ratio | 11.4750% | 5,787 |
| Memoranda: | ||
| Average total assets | $1,049,948,500 | 684 |
| Average earning assets | $970,773,500 | 686 |
| Average equity | $97,082,000 | 812 |
| Average total loans | $914,573,500 | 549 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 1,362 |
| Cost of funding earning assets | 0.2826% | 4,451 |
| Net interest margin | 4.3081% | 951 |
| Noninterest income to average assets | 0.8061% | 1,768 |
| Noninterest expense to average assets | 3.2787% | 1,765 |
| Loan and lease loss provision to assets | 0.1777% | 1,276 |
| Net operating income to assets | 1.3150% | 1,232 |
| Return on assets (ROA) | 1.3150% | 1,283 |
| Pretax return on assets | 1.3311% | 2,161 |
| Return on Equity (ROE) | 14.2236% | 812 |
| Retained earnings to average equity (ytd only) | 5.9070% | 1,839 |
| Net charge-offs to loans | 0.1147% | 2,226 |
| Credit loss provision to net charge-offs | 180.3607% | 1,509 |
| Earnings coverage of net charge-offs (x) | 15.3166% | 2,212 |
| Efficiency ratio | 68.4851% | 3,482 |
| Assets per employee ($millions) | 4.1206% | 3,717 |
| Cash dividends to net income (ytd only)* | 58.4703% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 3,765 |
| Loan loss allowance to noncurrent loans | 120.4504% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.0136% | 2,165 |
| Noncurrent loans to loans | 0.9530% | 2,429 |
| Net loans and leases to total assets | 85.7785% | 244 |
| Net loans and leases to deposits | 96.5647% | 951 |
| Net loans and leases to core deposits | 107.5543% | 995 |
| Total domestic deposits to total assets | 88.8301% | 1,206 |
| Equity capital to assets | 9.1095% | 5,009 |
| Core capital (leverage) ratio | 9.1843% | 4,637 |
| Tier 1 risk-based capital ratio | 10.0107% | 5,951 |
| Total risk-based capital ratio | 11.1103% | 5,948 |
| Memoranda: | ||
| Average total assets | $1,013,160,600 | 682 |
| Average earning assets | $936,309,800 | 678 |
| Average equity | $93,668,400 | 810 |
| Average total loans | $869,891,800 | 544 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,335 |
| Cost of funding earning assets | 0.2777% | 4,588 |
| Net interest margin | 4.3193% | 926 |
| Noninterest income to average assets | 0.8124% | 1,764 |
| Noninterest expense to average assets | 3.3250% | 1,636 |
| Loan and lease loss provision to assets | 0.2198% | 863 |
| Net operating income to assets | 1.2407% | 1,522 |
| Return on assets (ROA) | 1.2407% | 1,580 |
| Pretax return on assets | 1.2562% | 2,571 |
| Return on Equity (ROE) | 13.3683% | 1,038 |
| Retained earnings to average equity (ytd only) | 4.3556% | 3,371 |
| Net charge-offs to loans | 0.0618% | 2,708 |
| Credit loss provision to net charge-offs | 415.6171% | 740 |
| Earnings coverage of net charge-offs (x) | 27.9043% | 1,566 |
| Efficiency ratio | 69.2560% | 3,332 |
| Assets per employee ($millions) | 4.0876% | 3,725 |
| Cash dividends to net income (ytd only)* | 67.4184% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 3,460 |
| Loan loss allowance to noncurrent loans | 90.9548% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.3685% | 1,689 |
| Noncurrent loans to loans | 1.3575% | 1,886 |
| Net loans and leases to total assets | 85.0657% | 298 |
| Net loans and leases to deposits | 96.0465% | 1,000 |
| Net loans and leases to core deposits | 106.5290% | 1,061 |
| Total domestic deposits to total assets | 88.5671% | 1,265 |
| Equity capital to assets | 9.0887% | 5,223 |
| Core capital (leverage) ratio | 9.1811% | 4,754 |
| Tier 1 risk-based capital ratio | 10.0390% | 6,033 |
| Total risk-based capital ratio | 11.2193% | 6,011 |
| Memoranda: | ||
| Average total assets | $1,000,671,250 | 694 |
| Average earning assets | $924,071,750 | 689 |
| Average equity | $92,874,250 | 822 |
| Average total loans | $856,735,500 | 552 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5596% | 1,378 |
| Cost of funding earning assets | 0.2759% | 4,658 |
| Net interest margin | 4.2837% | 953 |
| Noninterest income to average assets | 0.7697% | 1,917 |
| Noninterest expense to average assets | 3.3230% | 1,640 |
| Loan and lease loss provision to assets | 0.1822% | 1,123 |
| Net operating income to assets | 1.2085% | 1,572 |
| Return on assets (ROA) | 1.2085% | 1,651 |
| Pretax return on assets | 1.2239% | 2,681 |
| Return on Equity (ROE) | 12.9274% | 1,129 |
| Retained earnings to average equity (ytd only) | 2.7214% | 4,330 |
| Net charge-offs to loans | 0.0751% | 2,321 |
| Credit loss provision to net charge-offs | 283.9117% | 962 |
| Earnings coverage of net charge-offs (x) | 21.9148% | 1,658 |
| Efficiency ratio | 70.2675% | 3,292 |
| Assets per employee ($millions) | 4.2265% | 3,419 |
| Cash dividends to net income (ytd only)* | 78.9482% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 3,875 |
| Loan loss allowance to noncurrent loans | 190.5733% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 3,264 |
| Noncurrent loans to loans | 0.6222% | 3,604 |
| Net loans and leases to total assets | 83.8084% | 384 |
| Net loans and leases to deposits | 95.9433% | 971 |
| Net loans and leases to core deposits | 106.8506% | 1,030 |
| Total domestic deposits to total assets | 87.3520% | 1,988 |
| Equity capital to assets | 8.9799% | 5,249 |
| Core capital (leverage) ratio | 9.3012% | 4,549 |
| Tier 1 risk-based capital ratio | 10.1461% | 6,041 |
| Total risk-based capital ratio | 11.2883% | 6,027 |
| Memoranda: | ||
| Average total assets | $988,144,000 | 705 |
| Average earning assets | $913,320,330 | 694 |
| Average equity | $92,377,670 | 831 |
| Average total loans | $844,234,670 | 558 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 1,328 |
| Cost of funding earning assets | 0.2769% | 4,703 |
| Net interest margin | 4.2763% | 927 |
| Noninterest income to average assets | 0.7014% | 2,157 |
| Noninterest expense to average assets | 3.2949% | 1,728 |
| Loan and lease loss provision to assets | 0.1862% | 1,015 |
| Net operating income to assets | 1.1674% | 1,644 |
| Return on assets (ROA) | 1.1674% | 1,748 |
| Pretax return on assets | 1.1827% | 2,735 |
| Return on Equity (ROE) | 12.2302% | 1,286 |
| Retained earnings to average equity (ytd only) | 4.0536% | 3,573 |
| Net charge-offs to loans | 0.1819% | 1,199 |
| Credit loss provision to net charge-offs | 119.3634% | 1,449 |
| Earnings coverage of net charge-offs (x) | 8.7745% | 2,060 |
| Efficiency ratio | 70.6477% | 3,374 |
| Assets per employee ($millions) | 4.1455% | 3,662 |
| Cash dividends to net income (ytd only)* | 66.8557% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 4,091 |
| Loan loss allowance to noncurrent loans | 195.0742% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 3,308 |
| Noncurrent loans to loans | 0.6042% | 3,763 |
| Net loans and leases to total assets | 85.2244% | 238 |
| Net loans and leases to deposits | 97.2477% | 747 |
| Net loans and leases to core deposits | 106.5481% | 901 |
| Total domestic deposits to total assets | 87.6365% | 2,022 |
| Equity capital to assets | 9.5601% | 4,683 |
| Core capital (leverage) ratio | 9.5250% | 4,235 |
| Tier 1 risk-based capital ratio | 10.4223% | 6,040 |
| Total risk-based capital ratio | 11.5417% | 6,030 |
| Memoranda: | ||
| Average total assets | $966,588,500 | 719 |
| Average earning assets | $895,644,000 | 707 |
| Average equity | $92,263,500 | 835 |
| Average total loans | $829,027,500 | 559 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6914% | 1,332 |
| Cost of funding earning assets | 0.2628% | 5,190 |
| Net interest margin | 4.4286% | 849 |
| Noninterest income to average assets | 0.8079% | 1,843 |
| Noninterest expense to average assets | 3.2220% | 2,157 |
| Loan and lease loss provision to assets | 0.2744% | 785 |
| Net operating income to assets | 1.3924% | 1,098 |
| Return on assets (ROA) | 1.4017% | 1,108 |
| Pretax return on assets | 1.4153% | 1,830 |
| Return on Equity (ROE) | 14.8483% | 806 |
| Retained earnings to average equity (ytd only) | 8.2045% | 946 |
| Net charge-offs to loans | 0.2607% | 1,656 |
| Credit loss provision to net charge-offs | 124.5725% | 1,922 |
| Earnings coverage of net charge-offs (x) | 7.6277% | 3,007 |
| Efficiency ratio | 65.7000% | 4,303 |
| Assets per employee ($millions) | 4.1159% | 3,693 |
| Cash dividends to net income (ytd only)* | 44.7447% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 4,054 |
| Loan loss allowance to noncurrent loans | 209.1006% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6695% | 3,568 |
| Noncurrent loans to loans | 0.5698% | 3,959 |
| Net loans and leases to total assets | 84.2761% | 324 |
| Net loans and leases to deposits | 93.3501% | 1,144 |
| Net loans and leases to core deposits | 103.8156% | 1,137 |
| Total domestic deposits to total assets | 90.2796% | 617 |
| Equity capital to assets | 9.5304% | 4,689 |
| Core capital (leverage) ratio | 9.3546% | 4,460 |
| Tier 1 risk-based capital ratio | 10.5676% | 6,072 |
| Total risk-based capital ratio | 11.7058% | 6,062 |
| Memoranda: | ||
| Average total assets | $929,226,000 | 720 |
| Average earning assets | $859,124,400 | 714 |
| Average equity | $87,720,600 | 843 |
| Average total loans | $785,060,200 | 558 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 1,422 |
| Cost of funding earning assets | 0.2553% | 5,349 |
| Net interest margin | 4.3987% | 883 |
| Noninterest income to average assets | 0.7990% | 1,898 |
| Noninterest expense to average assets | 3.2755% | 1,957 |
| Loan and lease loss provision to assets | 0.1520% | 1,635 |
| Net operating income to assets | 1.4192% | 1,092 |
| Return on assets (ROA) | 1.4317% | 1,107 |
| Pretax return on assets | 1.4501% | 1,808 |
| Return on Equity (ROE) | 15.2039% | 788 |
| Retained earnings to average equity (ytd only) | 7.5581% | 1,556 |
| Net charge-offs to loans | 0.1368% | 2,426 |
| Credit loss provision to net charge-offs | 131.9095% | 1,756 |
| Earnings coverage of net charge-offs (x) | 13.7902% | 2,192 |
| Efficiency ratio | 67.2947% | 3,990 |
| Assets per employee ($millions) | 4.0930% | 3,684 |
| Cash dividends to net income (ytd only)* | 50.2883% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 4,461 |
| Loan loss allowance to noncurrent loans | 141.2348% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8972% | 3,198 |
| Noncurrent loans to loans | 0.8195% | 3,527 |
| Net loans and leases to total assets | 85.0512% | 259 |
| Net loans and leases to deposits | 97.2082% | 779 |
| Net loans and leases to core deposits | 108.0030% | 852 |
| Total domestic deposits to total assets | 87.4939% | 2,032 |
| Equity capital to assets | 9.3433% | 4,985 |
| Core capital (leverage) ratio | 9.4510% | 4,435 |
| Tier 1 risk-based capital ratio | 10.2946% | 6,264 |
| Total risk-based capital ratio | 11.4030% | 6,273 |
| Memoranda: | ||
| Average total assets | $920,752,000 | 728 |
| Average earning assets | $851,116,500 | 722 |
| Average equity | $86,703,500 | 856 |
| Average total loans | $775,957,750 | 563 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 1,436 |
| Cost of funding earning assets | 0.2533% | 5,452 |
| Net interest margin | 4.3812% | 879 |
| Noninterest income to average assets | 0.7783% | 1,923 |
| Noninterest expense to average assets | 3.2716% | 1,991 |
| Loan and lease loss provision to assets | 0.1321% | 1,878 |
| Net operating income to assets | 1.4026% | 1,059 |
| Return on assets (ROA) | 1.4216% | 1,055 |
| Pretax return on assets | 1.4379% | 1,758 |
| Return on Equity (ROE) | 15.0556% | 783 |
| Retained earnings to average equity (ytd only) | 6.8924% | 1,817 |
| Net charge-offs to loans | 0.0934% | 2,743 |
| Credit loss provision to net charge-offs | 169.0141% | 1,337 |
| Earnings coverage of net charge-offs (x) | 19.8423% | 1,607 |
| Efficiency ratio | 67.7913% | 4,043 |
| Assets per employee ($millions) | 4.0345% | 3,767 |
| Cash dividends to net income (ytd only)* | 54.2202% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 4,332 |
| Loan loss allowance to noncurrent loans | 148.2346% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 3,275 |
| Noncurrent loans to loans | 0.8229% | 3,645 |
| Net loans and leases to total assets | 83.1708% | 363 |
| Net loans and leases to deposits | 95.6820% | 824 |
| Net loans and leases to core deposits | 105.1334% | 953 |
| Total domestic deposits to total assets | 86.9241% | 2,492 |
| Equity capital to assets | 9.4268% | 4,815 |
| Core capital (leverage) ratio | 9.5821% | 4,204 |
| Tier 1 risk-based capital ratio | 10.5553% | 6,231 |
| Total risk-based capital ratio | 11.7164% | 6,209 |
| Memoranda: | ||
| Average total assets | $908,415,330 | 740 |
| Average earning assets | $838,529,330 | 730 |
| Average equity | $85,775,670 | 860 |
| Average total loans | $759,901,330 | 572 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 1,482 |
| Cost of funding earning assets | 0.2575% | 5,517 |
| Net interest margin | 4.3518% | 894 |
| Noninterest income to average assets | 0.7291% | 2,036 |
| Noninterest expense to average assets | 3.2471% | 2,080 |
| Loan and lease loss provision to assets | 0.0668% | 2,789 |
| Net operating income to assets | 1.4217% | 949 |
| Return on assets (ROA) | 1.4217% | 991 |
| Pretax return on assets | 1.4328% | 1,631 |
| Return on Equity (ROE) | 15.0437% | 766 |
| Retained earnings to average equity (ytd only) | 8.9207% | 1,270 |
| Net charge-offs to loans | -0.0513% | 5,819 |
| Credit loss provision to net charge-offs | -156.2500% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3515% | 4,122 |
| Assets per employee ($millions) | 3.9134% | 4,123 |
| Cash dividends to net income (ytd only)* | 40.7013% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,159 |
| Loan loss allowance to noncurrent loans | 129.2164% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2012% | 2,855 |
| Noncurrent loans to loans | 1.0010% | 3,416 |
| Net loans and leases to total assets | 82.2398% | 341 |
| Net loans and leases to deposits | 91.3186% | 1,004 |
| Net loans and leases to core deposits | 98.4828% | 1,203 |
| Total domestic deposits to total assets | 90.0582% | 1,042 |
| Equity capital to assets | 9.7275% | 4,197 |
| Core capital (leverage) ratio | 9.4918% | 4,293 |
| Tier 1 risk-based capital ratio | 10.8543% | 6,217 |
| Total risk-based capital ratio | 12.0633% | 6,195 |
| Memoranda: | ||
| Average total assets | $898,653,500 | 752 |
| Average earning assets | $829,633,000 | 746 |
| Average equity | $84,926,000 | 866 |
| Average total loans | $749,200,000 | 583 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 1,667 |
| Cost of funding earning assets | 0.3421% | 5,223 |
| Net interest margin | 4.3246% | 1,046 |
| Noninterest income to average assets | 0.8644% | 1,804 |
| Noninterest expense to average assets | 3.3141% | 2,107 |
| Loan and lease loss provision to assets | 0.3575% | 877 |
| Net operating income to assets | 1.1462% | 1,771 |
| Return on assets (ROA) | 1.1463% | 1,835 |
| Pretax return on assets | 1.1624% | 2,721 |
| Return on Equity (ROE) | 12.4758% | 1,284 |
| Retained earnings to average equity (ytd only) | 6.5448% | 1,658 |
| Net charge-offs to loans | 0.3019% | 2,180 |
| Credit loss provision to net charge-offs | 145.2952% | 1,602 |
| Earnings coverage of net charge-offs (x) | 6.1771% | 3,112 |
| Efficiency ratio | 68.5010% | 4,098 |
| Assets per employee ($millions) | 4.1121% | 3,622 |
| Cash dividends to net income (ytd only)* | 47.5398% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 4,542 |
| Loan loss allowance to noncurrent loans | 130.2792% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 2,953 |
| Noncurrent loans to loans | 0.9359% | 3,646 |
| Net loans and leases to total assets | 82.4021% | 374 |
| Net loans and leases to deposits | 90.9001% | 1,165 |
| Net loans and leases to core deposits | 103.3898% | 949 |
| Total domestic deposits to total assets | 90.6513% | 729 |
| Equity capital to assets | 9.1819% | 4,827 |
| Core capital (leverage) ratio | 9.4852% | 4,292 |
| Tier 1 risk-based capital ratio | 10.3141% | 6,429 |
| Total risk-based capital ratio | 11.4587% | 6,414 |
| Memoranda: | ||
| Average total assets | $881,166,200 | 747 |
| Average earning assets | $808,814,600 | 739 |
| Average equity | $80,965,000 | 884 |
| Average total loans | $718,050,000 | 587 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 1,621 |
| Cost of funding earning assets | 0.3635% | 5,154 |
| Net interest margin | 4.3264% | 1,034 |
| Noninterest income to average assets | 0.9361% | 1,648 |
| Noninterest expense to average assets | 3.3699% | 1,893 |
| Loan and lease loss provision to assets | 0.3893% | 788 |
| Net operating income to assets | 1.1245% | 1,913 |
| Return on assets (ROA) | 1.1247% | 1,981 |
| Pretax return on assets | 1.1418% | 2,939 |
| Return on Equity (ROE) | 12.2379% | 1,407 |
| Retained earnings to average equity (ytd only) | 5.6720% | 2,622 |
| Net charge-offs to loans | 0.2564% | 2,276 |
| Credit loss provision to net charge-offs | 187.5000% | 1,285 |
| Earnings coverage of net charge-offs (x) | 7.3728% | 2,807 |
| Efficiency ratio | 68.7021% | 3,959 |
| Assets per employee ($millions) | 3.8407% | 4,148 |
| Cash dividends to net income (ytd only)* | 53.6519% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 4,280 |
| Loan loss allowance to noncurrent loans | 205.5652% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 3,662 |
| Noncurrent loans to loans | 0.6432% | 4,588 |
| Net loans and leases to total assets | 81.2668% | 427 |
| Net loans and leases to deposits | 89.9304% | 1,174 |
| Net loans and leases to core deposits | 96.3107% | 1,369 |
| Total domestic deposits to total assets | 90.3664% | 809 |
| Equity capital to assets | 9.3814% | 4,698 |
| Core capital (leverage) ratio | 9.4446% | 4,482 |
| Tier 1 risk-based capital ratio | 10.6581% | 6,407 |
| Total risk-based capital ratio | 11.8953% | 6,379 |
| Memoranda: | ||
| Average total assets | $873,236,750 | 761 |
| Average earning assets | $800,252,250 | 755 |
| Average equity | $80,251,250 | 899 |
| Average total loans | $707,182,250 | 593 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6444% | 1,713 |
| Cost of funding earning assets | 0.3887% | 5,045 |
| Net interest margin | 4.2558% | 1,124 |
| Noninterest income to average assets | 1.0040% | 1,527 |
| Noninterest expense to average assets | 3.3909% | 1,842 |
| Loan and lease loss provision to assets | 0.4807% | 583 |
| Net operating income to assets | 1.0145% | 2,269 |
| Return on assets (ROA) | 1.0148% | 2,396 |
| Pretax return on assets | 1.0301% | 3,375 |
| Return on Equity (ROE) | 11.1189% | 1,781 |
| Retained earnings to average equity (ytd only) | 3.4638% | 4,115 |
| Net charge-offs to loans | 0.3010% | 1,985 |
| Credit loss provision to net charge-offs | 198.3003% | 1,205 |
| Earnings coverage of net charge-offs (x) | 6.2314% | 2,754 |
| Efficiency ratio | 69.1201% | 3,989 |
| Assets per employee ($millions) | 3.7563% | 4,293 |
| Cash dividends to net income (ytd only)* | 68.8473% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 4,510 |
| Loan loss allowance to noncurrent loans | 156.4373% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.1882% | 3,373 |
| Noncurrent loans to loans | 0.8314% | 4,252 |
| Net loans and leases to total assets | 81.7244% | 374 |
| Net loans and leases to deposits | 92.7676% | 904 |
| Net loans and leases to core deposits | 99.5801% | 1,113 |
| Total domestic deposits to total assets | 88.0958% | 2,175 |
| Equity capital to assets | 9.1757% | 5,024 |
| Core capital (leverage) ratio | 9.2265% | 4,658 |
| Tier 1 risk-based capital ratio | 10.4571% | 6,519 |
| Total risk-based capital ratio | 11.6825% | 6,499 |
| Memoranda: | ||
| Average total assets | $873,701,000 | 760 |
| Average earning assets | $800,138,330 | 759 |
| Average equity | $79,738,000 | 910 |
| Average total loans | $703,572,000 | 592 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 1,810 |
| Cost of funding earning assets | 0.4158% | 4,953 |
| Net interest margin | 4.1894% | 1,220 |
| Noninterest income to average assets | 0.9166% | 1,707 |
| Noninterest expense to average assets | 3.2303% | 2,266 |
| Loan and lease loss provision to assets | 0.6159% | 409 |
| Net operating income to assets | 0.8860% | 2,717 |
| Return on assets (ROA) | 0.8860% | 2,861 |
| Pretax return on assets | 0.8997% | 3,763 |
| Return on Equity (ROE) | 9.7345% | 2,171 |
| Retained earnings to average equity (ytd only) | 4.7169% | 3,408 |
| Net charge-offs to loans | 0.4080% | 1,432 |
| Credit loss provision to net charge-offs | 190.1408% | 1,137 |
| Earnings coverage of net charge-offs (x) | 4.6789% | 2,504 |
| Efficiency ratio | 68.0062% | 4,306 |
| Assets per employee ($millions) | 3.6536% | 4,667 |
| Cash dividends to net income (ytd only)* | 51.5448% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 4,677 |
| Loan loss allowance to noncurrent loans | 97.1960% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.5980% | 2,871 |
| Noncurrent loans to loans | 1.3412% | 3,552 |
| Net loans and leases to total assets | 77.8658% | 625 |
| Net loans and leases to deposits | 85.9502% | 1,360 |
| Net loans and leases to core deposits | 92.0415% | 1,502 |
| Total domestic deposits to total assets | 90.5941% | 718 |
| Equity capital to assets | 9.2412% | 5,207 |
| Core capital (leverage) ratio | 9.1788% | 4,600 |
| Tier 1 risk-based capital ratio | 10.7569% | 6,504 |
| Total risk-based capital ratio | 11.9701% | 6,476 |
| Memoranda: | ||
| Average total assets | $876,703,000 | 762 |
| Average earning assets | $801,357,000 | 764 |
| Average equity | $79,798,500 | 920 |
| Average total loans | $696,126,000 | 604 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 2,943 |
| Cost of funding earning assets | 0.5607% | 4,724 |
| Net interest margin | 4.0530% | 2,182 |
| Noninterest income to average assets | 0.7875% | 2,315 |
| Noninterest expense to average assets | 3.1992% | 2,617 |
| Loan and lease loss provision to assets | 0.7480% | 671 |
| Net operating income to assets | 0.5484% | 4,486 |
| Return on assets (ROA) | 0.7570% | 3,721 |
| Pretax return on assets | 0.7551% | 4,460 |
| Return on Equity (ROE) | 8.4811% | 2,874 |
| Retained earnings to average equity (ytd only) | 1.6761% | 5,020 |
| Net charge-offs to loans | 0.9209% | 1,220 |
| Credit loss provision to net charge-offs | 108.9797% | 2,695 |
| Earnings coverage of net charge-offs (x) | 1.8859% | 4,481 |
| Efficiency ratio | 71.1309% | 3,602 |
| Assets per employee ($millions) | 3.6674% | 4,634 |
| Cash dividends to net income (ytd only)* | 80.2369% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 5,231 |
| Loan loss allowance to noncurrent loans | 76.3354% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.7619% | 2,761 |
| Noncurrent loans to loans | 1.5402% | 3,304 |
| Net loans and leases to total assets | 78.9635% | 570 |
| Net loans and leases to deposits | 88.3199% | 1,229 |
| Net loans and leases to core deposits | 97.2231% | 1,205 |
| Total domestic deposits to total assets | 89.4063% | 1,302 |
| Equity capital to assets | 8.9653% | 5,561 |
| Core capital (leverage) ratio | 8.9579% | 4,964 |
| Tier 1 risk-based capital ratio | 10.3467% | 6,598 |
| Total risk-based capital ratio | 11.4432% | 6,615 |
| Memoranda: | ||
| Average total assets | $881,001,000 | 747 |
| Average earning assets | $805,595,800 | 740 |
| Average equity | $78,634,000 | 894 |
| Average total loans | $656,613,400 | 629 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 3,368 |
| Cost of funding earning assets | 0.5880% | 4,764 |
| Net interest margin | 3.9756% | 2,599 |
| Noninterest income to average assets | 0.7149% | 2,639 |
| Noninterest expense to average assets | 3.0785% | 2,953 |
| Loan and lease loss provision to assets | 0.7513% | 659 |
| Net operating income to assets | 0.5140% | 4,791 |
| Return on assets (ROA) | 0.7611% | 3,891 |
| Pretax return on assets | 0.7808% | 4,558 |
| Return on Equity (ROE) | 8.5367% | 3,028 |
| Retained earnings to average equity (ytd only) | 1.7413% | 5,459 |
| Net charge-offs to loans | 0.8962% | 1,219 |
| Credit loss provision to net charge-offs | 114.5497% | 2,546 |
| Earnings coverage of net charge-offs (x) | 1.9476% | 4,285 |
| Efficiency ratio | 70.6099% | 3,571 |
| Assets per employee ($millions) | 3.7348% | 4,465 |
| Cash dividends to net income (ytd only)* | 79.6020% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 5,066 |
| Loan loss allowance to noncurrent loans | 70.4214% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.9765% | 2,681 |
| Noncurrent loans to loans | 1.7682% | 3,130 |
| Net loans and leases to total assets | 75.4948% | 1,046 |
| Net loans and leases to deposits | 83.1852% | 1,976 |
| Net loans and leases to core deposits | 92.1210% | 1,769 |
| Total domestic deposits to total assets | 90.7550% | 495 |
| Equity capital to assets | 8.9744% | 5,850 |
| Core capital (leverage) ratio | 9.0113% | 5,048 |
| Tier 1 risk-based capital ratio | 10.6038% | 6,631 |
| Total risk-based capital ratio | 11.7437% | 6,651 |
| Memoranda: | ||
| Average total assets | $880,287,500 | 753 |
| Average earning assets | $806,165,750 | 745 |
| Average equity | $78,482,500 | 903 |
| Average total loans | $644,210,250 | 646 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 3,691 |
| Cost of funding earning assets | 0.6305% | 4,619 |
| Net interest margin | 3.8890% | 2,957 |
| Noninterest income to average assets | 0.6755% | 2,799 |
| Noninterest expense to average assets | 3.1224% | 2,844 |
| Loan and lease loss provision to assets | 0.5591% | 1,094 |
| Net operating income to assets | 0.5421% | 4,615 |
| Return on assets (ROA) | 0.7783% | 3,747 |
| Pretax return on assets | 0.7962% | 4,486 |
| Return on Equity (ROE) | 8.7485% | 2,917 |
| Retained earnings to average equity (ytd only) | 2.1054% | 5,144 |
| Net charge-offs to loans | 0.9124% | 1,206 |
| Credit loss provision to net charge-offs | 85.0035% | 3,185 |
| Earnings coverage of net charge-offs (x) | 1.6942% | 4,139 |
| Efficiency ratio | 73.6266% | 3,137 |
| Assets per employee ($millions) | 3.7139% | 4,493 |
| Cash dividends to net income (ytd only)* | 75.9346% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 5,647 |
| Loan loss allowance to noncurrent loans | 54.0944% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.3388% | 2,388 |
| Noncurrent loans to loans | 2.0874% | 2,839 |
| Net loans and leases to total assets | 73.8136% | 1,281 |
| Net loans and leases to deposits | 81.4358% | 2,179 |
| Net loans and leases to core deposits | 88.9499% | 2,107 |
| Total domestic deposits to total assets | 90.6402% | 593 |
| Equity capital to assets | 9.0341% | 5,662 |
| Core capital (leverage) ratio | 8.8813% | 5,075 |
| Tier 1 risk-based capital ratio | 10.9011% | 6,542 |
| Total risk-based capital ratio | 11.9271% | 6,610 |
| Memoranda: | ||
| Average total assets | $879,914,000 | 757 |
| Average earning assets | $805,767,000 | 748 |
| Average equity | $78,276,330 | 892 |
| Average total loans | $634,344,670 | 659 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 4,025 |
| Cost of funding earning assets | 0.6673% | 4,562 |
| Net interest margin | 3.8030% | 3,380 |
| Noninterest income to average assets | 0.4455% | 4,322 |
| Noninterest expense to average assets | 3.0885% | 2,958 |
| Loan and lease loss provision to assets | 0.5015% | 1,213 |
| Net operating income to assets | 0.3236% | 5,576 |
| Return on assets (ROA) | 0.7785% | 3,725 |
| Pretax return on assets | 0.8033% | 4,403 |
| Return on Equity (ROE) | 8.8179% | 2,899 |
| Retained earnings to average equity (ytd only) | 1.9089% | 5,297 |
| Net charge-offs to loans | 0.4325% | 2,017 |
| Credit loss provision to net charge-offs | 163.7168% | 1,552 |
| Earnings coverage of net charge-offs (x) | 2.7286% | 3,090 |
| Efficiency ratio | 78.6323% | 2,409 |
| Assets per employee ($millions) | 3.7267% | 4,592 |
| Cash dividends to net income (ytd only)* | 78.3517% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 4,933 |
| Loan loss allowance to noncurrent loans | 47.9317% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.5930% | 2,282 |
| Noncurrent loans to loans | 2.7517% | 2,366 |
| Net loans and leases to total assets | 69.1028% | 1,934 |
| Net loans and leases to deposits | 75.9742% | 2,796 |
| Net loans and leases to core deposits | 84.0698% | 2,539 |
| Total domestic deposits to total assets | 90.9556% | 580 |
| Equity capital to assets | 8.8131% | 5,738 |
| Core capital (leverage) ratio | 8.7646% | 5,177 |
| Tier 1 risk-based capital ratio | 11.3696% | 6,349 |
| Total risk-based capital ratio | 12.5732% | 6,358 |
| Memoranda: | ||
| Average total assets | $885,348,500 | 749 |
| Average earning assets | $809,881,000 | 744 |
| Average equity | $78,159,500 | 888 |
| Average total loans | $627,117,500 | 663 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 4,564 |
| Cost of funding earning assets | 0.8492% | 4,476 |
| Net interest margin | 3.7769% | 3,939 |
| Noninterest income to average assets | 0.6584% | 2,840 |
| Noninterest expense to average assets | 2.9671% | 3,717 |
| Loan and lease loss provision to assets | 0.5370% | 1,956 |
| Net operating income to assets | 0.5824% | 4,088 |
| Return on assets (ROA) | 0.6989% | 3,683 |
| Pretax return on assets | 0.7247% | 4,240 |
| Return on Equity (ROE) | 7.9629% | 2,926 |
| Retained earnings to average equity (ytd only) | -0.6198% | 5,948 |
| Net charge-offs to loans | 0.8630% | 2,009 |
| Credit loss provision to net charge-offs | 87.2176% | 4,143 |
| Earnings coverage of net charge-offs (x) | 1.8520% | 4,385 |
| Efficiency ratio | 72.1684% | 3,537 |
| Assets per employee ($millions) | 3.5635% | 4,859 |
| Cash dividends to net income (ytd only)* | 107.7832% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 5,276 |
| Loan loss allowance to noncurrent loans | 49.3074% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.6647% | 2,286 |
| Noncurrent loans to loans | 2.4857% | 2,644 |
| Net loans and leases to total assets | 70.7641% | 1,871 |
| Net loans and leases to deposits | 77.8388% | 2,870 |
| Net loans and leases to core deposits | 86.0521% | 2,627 |
| Total domestic deposits to total assets | 90.9111% | 537 |
| Equity capital to assets | 8.8432% | 5,739 |
| Core capital (leverage) ratio | 8.6353% | 5,338 |
| Tier 1 risk-based capital ratio | 10.9970% | 6,458 |
| Total risk-based capital ratio | 12.1052% | 6,511 |
| Memoranda: | ||
| Average total assets | $884,286,000 | 741 |
| Average earning assets | $807,545,000 | 731 |
| Average equity | $77,609,600 | 867 |
| Average total loans | $630,914,600 | 655 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 4,750 |
| Cost of funding earning assets | 0.8715% | 4,627 |
| Net interest margin | 3.7580% | 4,073 |
| Noninterest income to average assets | 0.6687% | 2,781 |
| Noninterest expense to average assets | 2.9219% | 3,830 |
| Loan and lease loss provision to assets | 0.5623% | 1,746 |
| Net operating income to assets | 0.6038% | 4,068 |
| Return on assets (ROA) | 0.7607% | 3,497 |
| Pretax return on assets | 0.7812% | 4,195 |
| Return on Equity (ROE) | 8.6840% | 2,751 |
| Retained earnings to average equity (ytd only) | -2.0049% | 6,299 |
| Net charge-offs to loans | 0.9909% | 1,626 |
| Credit loss provision to net charge-offs | 79.6158% | 4,151 |
| Earnings coverage of net charge-offs (x) | 1.6732% | 4,397 |
| Efficiency ratio | 71.1326% | 3,714 |
| Assets per employee ($millions) | 3.7388% | 4,437 |
| Cash dividends to net income (ytd only)* | 123.0877% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 5,446 |
| Loan loss allowance to noncurrent loans | 49.4887% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 2.7838% | 2,336 |
| Noncurrent loans to loans | 2.4321% | 2,847 |
| Net loans and leases to total assets | 68.6160% | 2,349 |
| Net loans and leases to deposits | 75.2489% | 3,466 |
| Net loans and leases to core deposits | 84.6732% | 2,961 |
| Total domestic deposits to total assets | 91.1855% | 383 |
| Equity capital to assets | 8.6068% | 6,191 |
| Core capital (leverage) ratio | 8.4759% | 5,743 |
| Tier 1 risk-based capital ratio | 11.0503% | 6,514 |
| Total risk-based capital ratio | 12.1365% | 6,591 |
| Memoranda: | ||
| Average total assets | $884,421,000 | 748 |
| Average earning assets | $808,391,750 | 737 |
| Average equity | $77,474,250 | 875 |
| Average total loans | $630,359,500 | 663 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6240% | 4,873 |
| Cost of funding earning assets | 0.9120% | 4,572 |
| Net interest margin | 3.7120% | 4,209 |
| Noninterest income to average assets | 0.7440% | 2,288 |
| Noninterest expense to average assets | 3.0082% | 3,611 |
| Loan and lease loss provision to assets | 0.3888% | 2,467 |
| Net operating income to assets | 0.7179% | 3,454 |
| Return on assets (ROA) | 0.8449% | 2,978 |
| Pretax return on assets | 0.8653% | 3,781 |
| Return on Equity (ROE) | 9.5880% | 2,276 |
| Retained earnings to average equity (ytd only) | -1.0186% | 6,053 |
| Net charge-offs to loans | 0.7384% | 2,030 |
| Credit loss provision to net charge-offs | 73.2449% | 3,971 |
| Earnings coverage of net charge-offs (x) | 2.1186% | 3,785 |
| Efficiency ratio | 72.7168% | 3,597 |
| Assets per employee ($millions) | 3.7474% | 4,325 |
| Cash dividends to net income (ytd only)* | 110.6240% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,403 |
| Loan loss allowance to noncurrent loans | 61.1367% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.4150% | 2,742 |
| Noncurrent loans to loans | 2.0178% | 3,458 |
| Net loans and leases to total assets | 71.1958% | 1,959 |
| Net loans and leases to deposits | 78.3519% | 3,066 |
| Net loans and leases to core deposits | 89.4883% | 2,441 |
| Total domestic deposits to total assets | 90.8668% | 557 |
| Equity capital to assets | 8.8224% | 5,795 |
| Core capital (leverage) ratio | 8.6860% | 5,246 |
| Tier 1 risk-based capital ratio | 10.9486% | 6,573 |
| Total risk-based capital ratio | 12.0610% | 6,627 |
| Memoranda: | ||
| Average total assets | $880,124,000 | 756 |
| Average earning assets | $803,500,330 | 757 |
| Average equity | $77,555,670 | 876 |
| Average total loans | $632,745,670 | 673 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 5,166 |
| Cost of funding earning assets | 0.9759% | 4,388 |
| Net interest margin | 3.5749% | 4,687 |
| Noninterest income to average assets | 0.8442% | 1,873 |
| Noninterest expense to average assets | 2.9223% | 3,977 |
| Loan and lease loss provision to assets | 0.3641% | 2,377 |
| Net operating income to assets | 0.8060% | 2,997 |
| Return on assets (ROA) | 0.8060% | 3,062 |
| Pretax return on assets | 0.8251% | 3,807 |
| Return on Equity (ROE) | 9.1525% | 2,402 |
| Retained earnings to average equity (ytd only) | -1.9306% | 6,131 |
| Net charge-offs to loans | 0.8092% | 1,612 |
| Credit loss provision to net charge-offs | 62.6761% | 3,497 |
| Earnings coverage of net charge-offs (x) | 2.0469% | 3,276 |
| Efficiency ratio | 71.0084% | 4,056 |
| Assets per employee ($millions) | 3.9502% | 3,942 |
| Cash dividends to net income (ytd only)* | 121.0942% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 5,160 |
| Loan loss allowance to noncurrent loans | 49.9312% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 2.9402% | 2,352 |
| Noncurrent loans to loans | 2.5924% | 2,904 |
| Net loans and leases to total assets | 67.2613% | 2,702 |
| Net loans and leases to deposits | 73.7265% | 3,799 |
| Net loans and leases to core deposits | 83.6472% | 3,217 |
| Total domestic deposits to total assets | 91.2308% | 520 |
| Equity capital to assets | 8.5551% | 5,830 |
| Core capital (leverage) ratio | 8.6780% | 5,124 |
| Tier 1 risk-based capital ratio | 11.2807% | 6,273 |
| Total risk-based capital ratio | 12.4483% | 6,326 |
| Memoranda: | ||
| Average total assets | $879,869,500 | 761 |
| Average earning assets | $804,160,500 | 762 |
| Average equity | $77,487,000 | 864 |
| Average total loans | $631,716,000 | 681 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 4,216 |
| Cost of funding earning assets | 1.1309% | 4,963 |
| Net interest margin | 3.9425% | 3,292 |
| Noninterest income to average assets | 1.0302% | 1,414 |
| Noninterest expense to average assets | 3.0868% | 3,517 |
| Loan and lease loss provision to assets | 0.5993% | 2,739 |
| Net operating income to assets | 0.8993% | 2,387 |
| Return on assets (ROA) | 1.0334% | 2,032 |
| Pretax return on assets | 1.0625% | 2,723 |
| Return on Equity (ROE) | 11.0263% | 1,579 |
| Retained earnings to average equity (ytd only) | 4.7466% | 2,580 |
| Net charge-offs to loans | 0.7960% | 2,646 |
| Credit loss provision to net charge-offs | 96.9860% | 4,788 |
| Earnings coverage of net charge-offs (x) | 2.4657% | 3,889 |
| Efficiency ratio | 66.8878% | 4,782 |
| Assets per employee ($millions) | 3.8348% | 4,163 |
| Cash dividends to net income (ytd only)* | 56.9519% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 4,971 |
| Loan loss allowance to noncurrent loans | 63.6268% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.4397% | 2,837 |
| Noncurrent loans to loans | 2.0540% | 3,479 |
| Net loans and leases to total assets | 74.6721% | 1,544 |
| Net loans and leases to deposits | 82.3167% | 2,744 |
| Net loans and leases to core deposits | 93.0996% | 2,370 |
| Total domestic deposits to total assets | 90.7132% | 740 |
| Equity capital to assets | 9.0728% | 5,038 |
| Core capital (leverage) ratio | 9.1898% | 4,189 |
| Tier 1 risk-based capital ratio | 11.0760% | 6,270 |
| Total risk-based capital ratio | 12.2851% | 6,271 |
| Memoranda: | ||
| Average total assets | $810,827,400 | 835 |
| Average earning assets | $736,303,200 | 835 |
| Average equity | $75,991,000 | 867 |
| Average total loans | $629,425,600 | 703 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 4,205 |
| Cost of funding earning assets | 1.1683% | 5,040 |
| Net interest margin | 3.9541% | 3,308 |
| Noninterest income to average assets | 0.9058% | 1,778 |
| Noninterest expense to average assets | 3.1032% | 3,321 |
| Loan and lease loss provision to assets | 0.3901% | 3,556 |
| Net operating income to assets | 0.9701% | 2,336 |
| Return on assets (ROA) | 0.9696% | 2,454 |
| Pretax return on assets | 0.9981% | 3,194 |
| Return on Equity (ROE) | 10.2583% | 2,025 |
| Retained earnings to average equity (ytd only) | 2.8115% | 4,461 |
| Net charge-offs to loans | 0.5704% | 3,041 |
| Credit loss provision to net charge-offs | 87.5093% | 4,874 |
| Earnings coverage of net charge-offs (x) | 3.1152% | 3,584 |
| Efficiency ratio | 69.0135% | 4,263 |
| Assets per employee ($millions) | 3.5591% | 4,829 |
| Cash dividends to net income (ytd only)* | 72.5928% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,934 |
| Loan loss allowance to noncurrent loans | 60.8443% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 2.5133% | 2,854 |
| Noncurrent loans to loans | 2.1463% | 3,518 |
| Net loans and leases to total assets | 76.3799% | 1,335 |
| Net loans and leases to deposits | 84.5873% | 2,599 |
| Net loans and leases to core deposits | 93.7881% | 2,553 |
| Total domestic deposits to total assets | 90.2971% | 730 |
| Equity capital to assets | 9.4971% | 4,849 |
| Core capital (leverage) ratio | 9.3401% | 4,147 |
| Tier 1 risk-based capital ratio | 11.0208% | 6,361 |
| Total risk-based capital ratio | 12.2293% | 6,377 |
| Memoranda: | ||
| Average total assets | $799,746,250 | 851 |
| Average earning assets | $725,336,750 | 848 |
| Average equity | $75,592,250 | 873 |
| Average total loans | $625,028,000 | 710 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 4,296 |
| Cost of funding earning assets | 1.2269% | 4,973 |
| Net interest margin | 3.9040% | 3,428 |
| Noninterest income to average assets | 0.8608% | 1,836 |
| Noninterest expense to average assets | 3.0867% | 3,372 |
| Loan and lease loss provision to assets | 0.3456% | 3,654 |
| Net operating income to assets | 0.9291% | 2,439 |
| Return on assets (ROA) | 0.9283% | 2,539 |
| Pretax return on assets | 0.9649% | 3,257 |
| Return on Equity (ROE) | 9.8376% | 2,160 |
| Retained earnings to average equity (ytd only) | 2.3105% | 4,688 |
| Net charge-offs to loans | 0.1218% | 4,967 |
| Credit loss provision to net charge-offs | 361.7414% | 1,011 |
| Earnings coverage of net charge-offs (x) | 13.7256% | 1,571 |
| Efficiency ratio | 70.1112% | 4,177 |
| Assets per employee ($millions) | 3.4728% | 4,987 |
| Cash dividends to net income (ytd only)* | 76.5137% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 3,880 |
| Loan loss allowance to noncurrent loans | 66.4567% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 2.6834% | 2,692 |
| Noncurrent loans to loans | 2.2687% | 3,409 |
| Net loans and leases to total assets | 78.1651% | 1,083 |
| Net loans and leases to deposits | 86.7217% | 2,391 |
| Net loans and leases to core deposits | 99.7038% | 2,054 |
| Total domestic deposits to total assets | 90.1333% | 849 |
| Equity capital to assets | 9.4847% | 4,724 |
| Core capital (leverage) ratio | 9.3897% | 3,974 |
| Tier 1 risk-based capital ratio | 11.0595% | 6,174 |
| Total risk-based capital ratio | 12.3116% | 6,160 |
| Memoranda: | ||
| Average total assets | $793,464,670 | 860 |
| Average earning assets | $718,898,000 | 858 |
| Average equity | $74,875,670 | 876 |
| Average total loans | $622,200,000 | 723 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 4,875 |
| Cost of funding earning assets | 1.2981% | 4,826 |
| Net interest margin | 3.7331% | 4,089 |
| Noninterest income to average assets | 0.7507% | 2,298 |
| Noninterest expense to average assets | 3.1018% | 3,260 |
| Loan and lease loss provision to assets | 0.2844% | 3,753 |
| Net operating income to assets | 0.7061% | 3,412 |
| Return on assets (ROA) | 0.7061% | 3,521 |
| Pretax return on assets | 0.7452% | 4,079 |
| Return on Equity (ROE) | 7.5024% | 3,116 |
| Retained earnings to average equity (ytd only) | -1.9227% | 6,204 |
| Net charge-offs to loans | 0.2979% | 3,222 |
| Credit loss provision to net charge-offs | 122.4891% | 2,859 |
| Earnings coverage of net charge-offs (x) | 4.4345% | 2,626 |
| Efficiency ratio | 75.0061% | 3,402 |
| Assets per employee ($millions) | 3.3184% | 5,503 |
| Cash dividends to net income (ytd only)* | 125.6281% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 4,247 |
| Loan loss allowance to noncurrent loans | 59.9904% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.7539% | 2,636 |
| Noncurrent loans to loans | 2.3880% | 3,288 |
| Net loans and leases to total assets | 75.5632% | 1,628 |
| Net loans and leases to deposits | 83.6209% | 3,009 |
| Net loans and leases to core deposits | 94.9396% | 2,710 |
| Total domestic deposits to total assets | 90.3641% | 794 |
| Equity capital to assets | 9.3517% | 4,758 |
| Core capital (leverage) ratio | 9.2976% | 4,066 |
| Tier 1 risk-based capital ratio | 11.1218% | 6,037 |
| Total risk-based capital ratio | 12.3727% | 6,007 |
| Memoranda: | ||
| Average total assets | $789,086,000 | 881 |
| Average earning assets | $714,580,000 | 883 |
| Average equity | $74,269,500 | 891 |
| Average total loans | $614,971,500 | 748 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5661% | 3,779 |
| Cost of funding earning assets | 1.6289% | 4,896 |
| Net interest margin | 3.9373% | 3,134 |
| Noninterest income to average assets | 1.0664% | 1,352 |
| Noninterest expense to average assets | 3.2362% | 3,252 |
| Loan and lease loss provision to assets | 0.7547% | 2,847 |
| Net operating income to assets | 0.6474% | 3,148 |
| Return on assets (ROA) | 0.8440% | 2,458 |
| Pretax return on assets | 0.8497% | 3,088 |
| Return on Equity (ROE) | 8.7046% | 2,116 |
| Retained earnings to average equity (ytd only) | 2.4495% | 3,425 |
| Net charge-offs to loans | 0.6067% | 3,399 |
| Credit loss provision to net charge-offs | 154.0106% | 2,966 |
| Earnings coverage of net charge-offs (x) | 2.8689% | 3,652 |
| Efficiency ratio | 69.6460% | 4,707 |
| Assets per employee ($millions) | 3.1656% | 5,807 |
| Cash dividends to net income (ytd only)* | 71.8597% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 4,315 |
| Loan loss allowance to noncurrent loans | 52.3891% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 3.1648% | 2,188 |
| Noncurrent loans to loans | 2.6416% | 2,911 |
| Net loans and leases to total assets | 78.1246% | 1,353 |
| Net loans and leases to deposits | 86.7435% | 2,785 |
| Net loans and leases to core deposits | 119.3332% | 1,999 |
| Total domestic deposits to total assets | 90.0639% | 930 |
| Equity capital to assets | 9.4731% | 4,451 |
| Core capital (leverage) ratio | 9.4154% | 3,818 |
| Tier 1 risk-based capital ratio | 10.9274% | 5,986 |
| Total risk-based capital ratio | 12.1712% | 5,966 |
| Memoranda: | ||
| Average total assets | $773,448,200 | 887 |
| Average earning assets | $702,392,600 | 889 |
| Average equity | $74,995,200 | 859 |
| Average total loans | $624,736,600 | 747 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6922% | 3,380 |
| Cost of funding earning assets | 1.7100% | 4,848 |
| Net interest margin | 3.9822% | 2,887 |
| Noninterest income to average assets | 1.0614% | 1,411 |
| Noninterest expense to average assets | 3.2641% | 3,058 |
| Loan and lease loss provision to assets | 0.5873% | 3,037 |
| Net operating income to assets | 0.8132% | 2,751 |
| Return on assets (ROA) | 0.9970% | 2,130 |
| Pretax return on assets | 1.0190% | 2,844 |
| Return on Equity (ROE) | 10.2226% | 1,840 |
| Retained earnings to average equity (ytd only) | 5.1042% | 2,424 |
| Net charge-offs to loans | 0.5312% | 3,093 |
| Credit loss provision to net charge-offs | 136.1958% | 3,643 |
| Earnings coverage of net charge-offs (x) | 3.2901% | 3,590 |
| Efficiency ratio | 69.6338% | 4,665 |
| Assets per employee ($millions) | 3.2165% | 5,611 |
| Cash dividends to net income (ytd only)* | 50.0694% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 5,052 |
| Loan loss allowance to noncurrent loans | 51.5973% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 3.2570% | 2,080 |
| Noncurrent loans to loans | 2.3430% | 3,215 |
| Net loans and leases to total assets | 79.9893% | 1,173 |
| Net loans and leases to deposits | 89.4801% | 2,676 |
| Net loans and leases to core deposits | 118.9940% | 2,337 |
| Total domestic deposits to total assets | 89.3933% | 1,020 |
| Equity capital to assets | 9.9921% | 4,095 |
| Core capital (leverage) ratio | 9.6883% | 3,663 |
| Tier 1 risk-based capital ratio | 11.2512% | 5,691 |
| Total risk-based capital ratio | 12.3727% | 5,783 |
| Memoranda: | ||
| Average total assets | $770,543,000 | 900 |
| Average earning assets | $700,729,750 | 902 |
| Average equity | $75,151,500 | 870 |
| Average total loans | $625,436,000 | 764 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7340% | 3,374 |
| Cost of funding earning assets | 1.8001% | 4,762 |
| Net interest margin | 3.9339% | 2,962 |
| Noninterest income to average assets | 1.0371% | 1,477 |
| Noninterest expense to average assets | 3.3085% | 2,920 |
| Loan and lease loss provision to assets | 0.3978% | 3,531 |
| Net operating income to assets | 0.8991% | 2,464 |
| Return on assets (ROA) | 1.0190% | 2,129 |
| Pretax return on assets | 1.0366% | 2,850 |
| Return on Equity (ROE) | 10.5332% | 1,837 |
| Retained earnings to average equity (ytd only) | 6.3894% | 1,848 |
| Net charge-offs to loans | 0.6731% | 2,358 |
| Credit loss provision to net charge-offs | 72.7531% | 5,368 |
| Earnings coverage of net charge-offs (x) | 2.3997% | 3,867 |
| Efficiency ratio | 71.5309% | 4,502 |
| Assets per employee ($millions) | 3.1618% | 5,686 |
| Cash dividends to net income (ytd only)* | 39.3401% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 6,451 |
| Loan loss allowance to noncurrent loans | 65.2065% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.4444% | 2,641 |
| Noncurrent loans to loans | 1.4859% | 4,268 |
| Net loans and leases to total assets | 80.9367% | 1,152 |
| Net loans and leases to deposits | 90.8366% | 2,687 |
| Net loans and leases to core deposits | 118.4068% | 2,510 |
| Total domestic deposits to total assets | 89.1014% | 1,216 |
| Equity capital to assets | 9.9788% | 3,969 |
| Core capital (leverage) ratio | 9.6885% | 3,646 |
| Tier 1 risk-based capital ratio | 11.1645% | 5,711 |
| Total risk-based capital ratio | 12.0629% | 6,002 |
| Memoranda: | ||
| Average total assets | $773,283,670 | 910 |
| Average earning assets | $704,392,330 | 911 |
| Average equity | $74,811,330 | 885 |
| Average total loans | $628,169,000 | 780 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7812% | 3,399 |
| Cost of funding earning assets | 1.8835% | 4,723 |
| Net interest margin | 3.8977% | 3,051 |
| Noninterest income to average assets | 0.9769% | 1,555 |
| Noninterest expense to average assets | 3.1148% | 3,321 |
| Loan and lease loss provision to assets | 0.3913% | 2,980 |
| Net operating income to assets | 1.0144% | 2,249 |
| Return on assets (ROA) | 1.0812% | 2,158 |
| Pretax return on assets | 1.0904% | 3,024 |
| Return on Equity (ROE) | 11.3484% | 1,861 |
| Retained earnings to average equity (ytd only) | 7.0538% | 2,192 |
| Net charge-offs to loans | 1.0066% | 1,335 |
| Credit loss provision to net charge-offs | 47.9925% | 4,711 |
| Earnings coverage of net charge-offs (x) | 1.7346% | 3,863 |
| Efficiency ratio | 68.7069% | 4,836 |
| Assets per employee ($millions) | 3.3073% | 5,309 |
| Cash dividends to net income (ytd only)* | 37.8430% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 6,618 |
| Loan loss allowance to noncurrent loans | 115.5910% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.9169% | 3,033 |
| Noncurrent loans to loans | 0.8021% | 5,430 |
| Net loans and leases to total assets | 79.8150% | 1,425 |
| Net loans and leases to deposits | 90.5483% | 2,845 |
| Net loans and leases to core deposits | 118.7973% | 2,527 |
| Total domestic deposits to total assets | 88.1463% | 1,684 |
| Equity capital to assets | 9.8073% | 4,231 |
| Core capital (leverage) ratio | 9.4252% | 4,075 |
| Tier 1 risk-based capital ratio | 10.8768% | 6,014 |
| Total risk-based capital ratio | 11.7274% | 6,334 |
| Memoranda: | ||
| Average total assets | $782,085,000 | 896 |
| Average earning assets | $712,730,000 | 899 |
| Average equity | $74,513,000 | 897 |
| Average total loans | $633,450,000 | 785 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6166% | 2,404 |
| Cost of funding earning assets | 2.6465% | 3,453 |
| Net interest margin | 3.9701% | 3,271 |
| Noninterest income to average assets | 1.2020% | 1,035 |
| Noninterest expense to average assets | 3.1335% | 3,571 |
| Loan and lease loss provision to assets | 0.5536% | 2,606 |
| Net operating income to assets | 1.1427% | 1,973 |
| Return on assets (ROA) | 1.2350% | 1,614 |
| Pretax return on assets | 1.2503% | 2,481 |
| Return on Equity (ROE) | 14.2202% | 1,064 |
| Retained earnings to average equity (ytd only) | 7.9081% | 872 |
| Net charge-offs to loans | 0.5108% | 2,310 |
| Credit loss provision to net charge-offs | 132.8833% | 4,006 |
| Earnings coverage of net charge-offs (x) | 4.1062% | 4,105 |
| Efficiency ratio | 64.5629% | 5,432 |
| Assets per employee ($millions) | 3.2003% | 5,486 |
| Cash dividends to net income (ytd only)* | 44.3882% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 5,928 |
| Loan loss allowance to noncurrent loans | 45.8741% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 2.2104% | 2,208 |
| Noncurrent loans to loans | 2.2042% | 2,505 |
| Net loans and leases to total assets | 80.5889% | 1,528 |
| Net loans and leases to deposits | 93.4085% | 2,872 |
| Net loans and leases to core deposits | 122.8016% | 2,417 |
| Total domestic deposits to total assets | 86.2757% | 2,272 |
| Equity capital to assets | 9.2581% | 4,992 |
| Core capital (leverage) ratio | 8.8574% | 4,963 |
| Tier 1 risk-based capital ratio | 10.1369% | 6,589 |
| Total risk-based capital ratio | 11.0610% | 6,837 |
| Memoranda: | ||
| Average total assets | $800,068,400 | 845 |
| Average earning assets | $733,961,200 | 831 |
| Average equity | $69,485,600 | 963 |
| Average total loans | $652,511,400 | 730 |