Home > The First Bank and Trust Company > Performance and Condition Ratios
The First Bank and Trust Company, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2902% | 759 |
| Cost of funding earning assets | 2.6355% | 792 |
| Net interest margin | 3.6548% | 1,628 |
| Noninterest income to average assets | 0.5400% | 1,602 |
| Noninterest expense to average assets | 2.0881% | 3,354 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 1.4475% | 978 |
| Return on assets (ROA) | 1.4475% | 985 |
| Pretax return on assets | 1.8099% | 828 |
| Return on Equity (ROE) | 14.7000% | 1,035 |
| Retained earnings to average equity (ytd only) | 8.9745% | 1,322 |
| Net charge-offs to loans | 0.0051% | 1,942 |
| Credit loss provision to net charge-offs | 2,513.5135% | 170 |
| Earnings coverage of net charge-offs (x) | 435.5676% | 223 |
| Efficiency ratio | 52.0870% | 3,897 |
| Assets per employee ($millions) | 7.6005% | 1,690 |
| Cash dividends to net income (ytd only)* | 38.9296% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 1,423 |
| Loan loss allowance to noncurrent loans | 230.8097% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 1,207 |
| Noncurrent loans to loans | 0.6021% | 1,448 |
| Net loans and leases to total assets | 86.3400% | 143 |
| Net loans and leases to deposits | 97.7812% | 602 |
| Net loans and leases to core deposits | 102.6211% | 1,259 |
| Total domestic deposits to total assets | 88.3000% | 1,324 |
| Equity capital to assets | 9.8599% | 2,093 |
| Core capital (leverage) ratio | 10.2202% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7143% | 1,986 |
| Memoranda: | ||
| Average total assets | $3,356,222,000 | 372 |
| Average earning assets | $3,181,061,000 | 359 |
| Average equity | $330,580,000 | 392 |
| Average total loans | $2,919,937,500 | 319 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9215% | 703 |
| Cost of funding earning assets | 2.1355% | 723 |
| Net interest margin | 3.7860% | 1,586 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.1006% | 3,400 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.6097% | 853 |
| Return on assets (ROA) | 1.6097% | 823 |
| Pretax return on assets | 1.9701% | 702 |
| Return on Equity (ROE) | 16.4700% | 1,022 |
| Retained earnings to average equity (ytd only) | 10.1539% | 977 |
| Net charge-offs to loans | 0.0589% | 1,266 |
| Credit loss provision to net charge-offs | 332.5478% | 889 |
| Earnings coverage of net charge-offs (x) | 43.1325% | 1,394 |
| Efficiency ratio | 49.5966% | 4,010 |
| Assets per employee ($millions) | 7.4666% | 1,752 |
| Cash dividends to net income (ytd only)* | 38.3565% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 1,377 |
| Loan loss allowance to noncurrent loans | 272.4180% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 1,245 |
| Noncurrent loans to loans | 0.5158% | 1,499 |
| Net loans and leases to total assets | 85.2200% | 197 |
| Net loans and leases to deposits | 96.5472% | 741 |
| Net loans and leases to core deposits | 99.2316% | 1,473 |
| Total domestic deposits to total assets | 88.2600% | 1,267 |
| Equity capital to assets | 9.8395% | 2,100 |
| Core capital (leverage) ratio | 10.2471% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8664% | 1,908 |
| Memoranda: | ||
| Average total assets | $3,172,216,600 | 379 |
| Average earning assets | $3,004,405,600 | 359 |
| Average equity | $309,998,600 | 388 |
| Average total loans | $2,663,816,800 | 325 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8330% | 650 |
| Cost of funding earning assets | 2.0040% | 706 |
| Net interest margin | 3.8290% | 1,538 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.1104% | 3,329 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.6208% | 905 |
| Return on assets (ROA) | 1.6208% | 894 |
| Pretax return on assets | 2.0516% | 711 |
| Return on Equity (ROE) | 16.6200% | 1,151 |
| Retained earnings to average equity (ytd only) | 10.1003% | 1,373 |
| Net charge-offs to loans | 0.0724% | 967 |
| Credit loss provision to net charge-offs | 228.4708% | 1,040 |
| Earnings coverage of net charge-offs (x) | 36.2763% | 1,500 |
| Efficiency ratio | 49.0795% | 3,979 |
| Assets per employee ($millions) | 7.0574% | 1,918 |
| Cash dividends to net income (ytd only)* | 39.2127% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 1,507 |
| Loan loss allowance to noncurrent loans | 463.0213% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 1,943 |
| Noncurrent loans to loans | 0.2990% | 2,159 |
| Net loans and leases to total assets | 87.2000% | 109 |
| Net loans and leases to deposits | 99.2940% | 548 |
| Net loans and leases to core deposits | 102.2771% | 1,194 |
| Total domestic deposits to total assets | 87.8200% | 1,635 |
| Equity capital to assets | 10.0563% | 1,802 |
| Core capital (leverage) ratio | 10.2266% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9586% | 1,911 |
| Memoranda: | ||
| Average total assets | $3,134,611,750 | 384 |
| Average earning assets | $2,969,545,500 | 367 |
| Average equity | $305,765,750 | 391 |
| Average total loans | $2,611,826,000 | 330 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 710 |
| Cost of funding earning assets | 1.8190% | 716 |
| Net interest margin | 3.8053% | 1,607 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.1043% | 3,333 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.6345% | 900 |
| Return on assets (ROA) | 1.6345% | 902 |
| Pretax return on assets | 2.0690% | 665 |
| Return on Equity (ROE) | 16.9300% | 1,111 |
| Retained earnings to average equity (ytd only) | 11.0557% | 1,177 |
| Net charge-offs to loans | 0.1051% | 658 |
| Credit loss provision to net charge-offs | 146.2398% | 1,211 |
| Earnings coverage of net charge-offs (x) | 25.5748% | 1,624 |
| Efficiency ratio | 48.9507% | 4,000 |
| Assets per employee ($millions) | 7.0123% | 1,915 |
| Cash dividends to net income (ytd only)* | 34.7041% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 1,557 |
| Loan loss allowance to noncurrent loans | 1,959.3701% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,158 |
| Noncurrent loans to loans | 0.0711% | 3,191 |
| Net loans and leases to total assets | 83.5300% | 305 |
| Net loans and leases to deposits | 94.9423% | 789 |
| Net loans and leases to core deposits | 97.3440% | 1,395 |
| Total domestic deposits to total assets | 87.9800% | 1,607 |
| Equity capital to assets | 9.8228% | 1,964 |
| Core capital (leverage) ratio | 10.2092% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1827% | 1,823 |
| Memoranda: | ||
| Average total assets | $3,130,286,667 | 374 |
| Average earning assets | $2,966,103,333 | 360 |
| Average equity | $302,177,667 | 380 |
| Average total loans | $2,554,744,333 | 325 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4222% | 696 |
| Cost of funding earning assets | 1.6407% | 644 |
| Net interest margin | 3.7816% | 1,726 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.0926% | 3,398 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.6243% | 939 |
| Return on assets (ROA) | 1.6243% | 940 |
| Pretax return on assets | 2.0562% | 704 |
| Return on Equity (ROE) | 16.9800% | 1,176 |
| Retained earnings to average equity (ytd only) | 11.0747% | 1,453 |
| Net charge-offs to loans | 0.0420% | 939 |
| Credit loss provision to net charge-offs | 383.5878% | 615 |
| Earnings coverage of net charge-offs (x) | 64.9351% | 977 |
| Efficiency ratio | 48.9176% | 4,034 |
| Assets per employee ($millions) | 6.9851% | 1,993 |
| Cash dividends to net income (ytd only)* | 34.7699% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,371 |
| Loan loss allowance to noncurrent loans | 1,615.5306% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,050 |
| Noncurrent loans to loans | 0.0910% | 3,095 |
| Net loans and leases to total assets | 81.3200% | 434 |
| Net loans and leases to deposits | 92.6365% | 879 |
| Net loans and leases to core deposits | 94.1314% | 1,386 |
| Total domestic deposits to total assets | 87.7900% | 1,990 |
| Equity capital to assets | 9.8028% | 1,931 |
| Core capital (leverage) ratio | 9.9591% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3797% | 1,838 |
| Memoranda: | ||
| Average total assets | $3,114,150,000 | 388 |
| Average earning assets | $2,948,302,500 | 374 |
| Average equity | $297,940,000 | 395 |
| Average total loans | $2,492,573,000 | 341 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 754 |
| Cost of funding earning assets | 0.6327% | 780 |
| Net interest margin | 3.8425% | 1,076 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.0368% | 3,478 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.6571% | 599 |
| Return on assets (ROA) | 1.6571% | 569 |
| Pretax return on assets | 2.0933% | 383 |
| Return on Equity (ROE) | 17.5500% | 775 |
| Retained earnings to average equity (ytd only) | 11.4287% | 802 |
| Net charge-offs to loans | 0.0108% | 1,972 |
| Credit loss provision to net charge-offs | 3,283.9506% | 179 |
| Earnings coverage of net charge-offs (x) | 287.7819% | 505 |
| Efficiency ratio | 46.2929% | 4,330 |
| Assets per employee ($millions) | 7.0581% | 1,931 |
| Cash dividends to net income (ytd only)* | 34.8627% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 1,181 |
| Loan loss allowance to noncurrent loans | 975.9373% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 2,679 |
| Noncurrent loans to loans | 0.1543% | 2,724 |
| Net loans and leases to total assets | 76.4200% | 967 |
| Net loans and leases to deposits | 86.6013% | 1,269 |
| Net loans and leases to core deposits | 89.1861% | 1,544 |
| Total domestic deposits to total assets | 88.2400% | 1,998 |
| Equity capital to assets | 9.3358% | 2,123 |
| Core capital (leverage) ratio | 9.8832% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6453% | 1,748 |
| Memoranda: | ||
| Average total assets | $2,959,468,200 | 398 |
| Average earning assets | $2,801,376,800 | 382 |
| Average equity | $279,506,200 | 403 |
| Average total loans | $2,259,409,400 | 341 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 791 |
| Cost of funding earning assets | 0.4388% | 1,041 |
| Net interest margin | 3.8217% | 917 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.0498% | 3,350 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.6491% | 596 |
| Return on assets (ROA) | 1.6491% | 581 |
| Pretax return on assets | 2.1024% | 379 |
| Return on Equity (ROE) | 17.4100% | 724 |
| Retained earnings to average equity (ytd only) | 11.5159% | 914 |
| Net charge-offs to loans | 0.0107% | 1,712 |
| Credit loss provision to net charge-offs | 2,201.1236% | 236 |
| Earnings coverage of net charge-offs (x) | 280.1629% | 499 |
| Efficiency ratio | 47.3233% | 4,311 |
| Assets per employee ($millions) | 6.9554% | 1,980 |
| Cash dividends to net income (ytd only)* | 33.8429% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 1,650 |
| Loan loss allowance to noncurrent loans | 564.2056% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 2,296 |
| Noncurrent loans to loans | 0.2461% | 2,397 |
| Net loans and leases to total assets | 77.8500% | 717 |
| Net loans and leases to deposits | 88.5378% | 996 |
| Net loans and leases to core deposits | 91.5605% | 1,206 |
| Total domestic deposits to total assets | 87.9200% | 2,453 |
| Equity capital to assets | 9.5259% | 1,867 |
| Core capital (leverage) ratio | 9.8506% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7172% | 1,803 |
| Memoranda: | ||
| Average total assets | $2,914,116,500 | 402 |
| Average earning assets | $2,757,009,500 | 389 |
| Average equity | $276,076,250 | 410 |
| Average total loans | $2,215,023,250 | 342 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 814 |
| Cost of funding earning assets | 0.3205% | 1,523 |
| Net interest margin | 3.7565% | 827 |
| Noninterest income to average assets | 0.7403% | 1,198 |
| Noninterest expense to average assets | 2.0479% | 3,300 |
| Loan and lease loss provision to assets | 0.1618% | 572 |
| Net operating income to assets | 1.6488% | 486 |
| Return on assets (ROA) | 1.6488% | 477 |
| Pretax return on assets | 2.0875% | 306 |
| Return on Equity (ROE) | 17.4367% | 524 |
| Retained earnings to average equity (ytd only) | 11.6098% | 676 |
| Net charge-offs to loans | 0.0090% | 1,650 |
| Credit loss provision to net charge-offs | 2,386.7347% | 218 |
| Earnings coverage of net charge-offs (x) | 331.7551% | 371 |
| Efficiency ratio | 47.6567% | 4,362 |
| Assets per employee ($millions) | 6.8445% | 2,042 |
| Cash dividends to net income (ytd only)* | 33.4173% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 1,795 |
| Loan loss allowance to noncurrent loans | 1,060.0883% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 3,009 |
| Noncurrent loans to loans | 0.1312% | 3,060 |
| Net loans and leases to total assets | 74.8445% | 830 |
| Net loans and leases to deposits | 85.2093% | 1,039 |
| Net loans and leases to core deposits | 88.2875% | 1,205 |
| Total domestic deposits to total assets | 87.8361% | 2,641 |
| Equity capital to assets | 9.4204% | 2,081 |
| Core capital (leverage) ratio | 9.8588% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0702% | 1,685 |
| Memoranda: | ||
| Average total assets | $2,890,862,000 | 395 |
| Average earning assets | $2,737,289,000 | 389 |
| Average equity | $273,355,000 | 415 |
| Average total loans | $2,168,184,000 | 344 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 747 |
| Cost of funding earning assets | 0.3059% | 1,603 |
| Net interest margin | 3.7122% | 735 |
| Noninterest income to average assets | 0.7565% | 1,156 |
| Noninterest expense to average assets | 2.0470% | 3,307 |
| Loan and lease loss provision to assets | 0.0574% | 1,365 |
| Net operating income to assets | 1.7123% | 400 |
| Return on assets (ROA) | 1.7123% | 403 |
| Pretax return on assets | 2.1683% | 267 |
| Return on Equity (ROE) | 18.0736% | 329 |
| Retained earnings to average equity (ytd only) | 12.3135% | 558 |
| Net charge-offs to loans | 0.0098% | 1,398 |
| Credit loss provision to net charge-offs | 788.4615% | 397 |
| Earnings coverage of net charge-offs (x) | 305.8077% | 313 |
| Efficiency ratio | 47.9084% | 4,406 |
| Assets per employee ($millions) | 6.7238% | 2,204 |
| Cash dividends to net income (ytd only)* | 31.8702% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 2,064 |
| Loan loss allowance to noncurrent loans | 1,076.9739% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 3,142 |
| Noncurrent loans to loans | 0.1265% | 3,187 |
| Net loans and leases to total assets | 73.9754% | 661 |
| Net loans and leases to deposits | 84.6364% | 840 |
| Net loans and leases to core deposits | 87.7586% | 1,033 |
| Total domestic deposits to total assets | 87.4038% | 2,783 |
| Equity capital to assets | 9.5015% | 2,282 |
| Core capital (leverage) ratio | 9.8125% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5234% | 1,639 |
| Memoranda: | ||
| Average total assets | $2,857,881,000 | 403 |
| Average earning assets | $2,706,946,500 | 395 |
| Average equity | $270,760,000 | 423 |
| Average total loans | $2,130,161,000 | 348 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 969 |
| Cost of funding earning assets | 0.3528% | 1,914 |
| Net interest margin | 3.8609% | 899 |
| Noninterest income to average assets | 0.8401% | 1,344 |
| Noninterest expense to average assets | 2.2334% | 2,985 |
| Loan and lease loss provision to assets | 0.1619% | 729 |
| Net operating income to assets | 1.6421% | 722 |
| Return on assets (ROA) | 1.6421% | 757 |
| Pretax return on assets | 2.0883% | 506 |
| Return on Equity (ROE) | 16.6602% | 649 |
| Retained earnings to average equity (ytd only) | 9.6725% | 1,000 |
| Net charge-offs to loans | 0.0119% | 2,119 |
| Credit loss provision to net charge-offs | 1,726.2295% | 347 |
| Earnings coverage of net charge-offs (x) | 239.9385% | 481 |
| Efficiency ratio | 49.8118% | 4,299 |
| Assets per employee ($millions) | 6.7410% | 2,116 |
| Cash dividends to net income (ytd only)* | 41.9423% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,027 |
| Loan loss allowance to noncurrent loans | 2,109.8325% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 3,652 |
| Noncurrent loans to loans | 0.0652% | 3,620 |
| Net loans and leases to total assets | 73.0533% | 746 |
| Net loans and leases to deposits | 83.6405% | 929 |
| Net loans and leases to core deposits | 86.8934% | 1,144 |
| Total domestic deposits to total assets | 87.3420% | 2,365 |
| Equity capital to assets | 9.4465% | 3,186 |
| Core capital (leverage) ratio | 9.6819% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9327% | 1,538 |
| Memoranda: | ||
| Average total assets | $2,601,734,600 | 424 |
| Average earning assets | $2,455,228,800 | 413 |
| Average equity | $256,437,400 | 433 |
| Average total loans | $2,056,620,800 | 357 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 1,106 |
| Cost of funding earning assets | 0.3642% | 1,992 |
| Net interest margin | 3.8359% | 1,050 |
| Noninterest income to average assets | 0.8893% | 1,279 |
| Noninterest expense to average assets | 2.2398% | 2,929 |
| Loan and lease loss provision to assets | 0.0857% | 1,391 |
| Net operating income to assets | 1.7207% | 793 |
| Return on assets (ROA) | 1.7207% | 827 |
| Pretax return on assets | 2.1780% | 571 |
| Return on Equity (ROE) | 17.2563% | 730 |
| Retained earnings to average equity (ytd only) | 9.7033% | 1,409 |
| Net charge-offs to loans | 0.0130% | 1,848 |
| Credit loss provision to net charge-offs | 820.6030% | 580 |
| Earnings coverage of net charge-offs (x) | 216.7940% | 526 |
| Efficiency ratio | 49.7344% | 4,243 |
| Assets per employee ($millions) | 6.4684% | 2,278 |
| Cash dividends to net income (ytd only)* | 43.7698% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,604 |
| Loan loss allowance to noncurrent loans | 1,996.5257% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 2,788 |
| Noncurrent loans to loans | 0.0640% | 3,779 |
| Net loans and leases to total assets | 75.9439% | 551 |
| Net loans and leases to deposits | 87.7987% | 730 |
| Net loans and leases to core deposits | 91.0778% | 974 |
| Total domestic deposits to total assets | 86.4978% | 2,555 |
| Equity capital to assets | 9.7604% | 3,139 |
| Core capital (leverage) ratio | 9.9773% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2228% | 1,566 |
| Memoranda: | ||
| Average total assets | $2,540,991,250 | 432 |
| Average earning assets | $2,394,133,250 | 421 |
| Average equity | $253,365,250 | 442 |
| Average total loans | $2,043,995,750 | 359 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 1,594 |
| Cost of funding earning assets | 0.3717% | 2,116 |
| Net interest margin | 3.6148% | 1,556 |
| Noninterest income to average assets | 0.9169% | 1,225 |
| Noninterest expense to average assets | 2.1891% | 3,127 |
| Loan and lease loss provision to assets | 0.0658% | 1,726 |
| Net operating income to assets | 1.6310% | 983 |
| Return on assets (ROA) | 1.6310% | 1,037 |
| Pretax return on assets | 2.0645% | 734 |
| Return on Equity (ROE) | 16.2334% | 910 |
| Retained earnings to average equity (ytd only) | 9.4289% | 1,576 |
| Net charge-offs to loans | 0.0069% | 1,888 |
| Credit loss provision to net charge-offs | 1,171.4286% | 428 |
| Earnings coverage of net charge-offs (x) | 379.0571% | 321 |
| Efficiency ratio | 50.6803% | 4,175 |
| Assets per employee ($millions) | 6.3515% | 2,285 |
| Cash dividends to net income (ytd only)* | 41.9169% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,756 |
| Loan loss allowance to noncurrent loans | 1,114.7186% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 2,529 |
| Noncurrent loans to loans | 0.1107% | 3,638 |
| Net loans and leases to total assets | 78.7791% | 391 |
| Net loans and leases to deposits | 91.5538% | 565 |
| Net loans and leases to core deposits | 95.3810% | 834 |
| Total domestic deposits to total assets | 86.0468% | 2,725 |
| Equity capital to assets | 9.8021% | 3,055 |
| Core capital (leverage) ratio | 10.0075% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6534% | 1,430 |
| Memoranda: | ||
| Average total assets | $2,491,034,667 | 436 |
| Average earning assets | $2,344,775,667 | 422 |
| Average equity | $250,273,667 | 445 |
| Average total loans | $2,035,334,333 | 360 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 1,601 |
| Cost of funding earning assets | 0.3832% | 2,235 |
| Net interest margin | 3.6221% | 1,529 |
| Noninterest income to average assets | 0.9357% | 1,243 |
| Noninterest expense to average assets | 2.1827% | 3,161 |
| Loan and lease loss provision to assets | 0.0692% | 1,771 |
| Net operating income to assets | 1.6513% | 1,018 |
| Return on assets (ROA) | 1.6513% | 1,069 |
| Pretax return on assets | 2.0903% | 819 |
| Return on Equity (ROE) | 16.2227% | 972 |
| Retained earnings to average equity (ytd only) | 7.9447% | 2,261 |
| Net charge-offs to loans | -0.0006% | 3,019 |
| Credit loss provision to net charge-offs | -14,000.0000% | 3,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2675% | 4,165 |
| Assets per employee ($millions) | 6.3643% | 2,284 |
| Cash dividends to net income (ytd only)* | 51.0275% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,727 |
| Loan loss allowance to noncurrent loans | 1,206.0247% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 2,645 |
| Noncurrent loans to loans | 0.1026% | 3,794 |
| Net loans and leases to total assets | 80.6967% | 300 |
| Net loans and leases to deposits | 94.1669% | 481 |
| Net loans and leases to core deposits | 98.2440% | 793 |
| Total domestic deposits to total assets | 85.6955% | 2,857 |
| Equity capital to assets | 9.9287% | 2,770 |
| Core capital (leverage) ratio | 10.3615% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6546% | 1,134 |
| Memoranda: | ||
| Average total assets | $2,428,146,000 | 438 |
| Average earning assets | $2,283,646,500 | 428 |
| Average equity | $247,159,500 | 448 |
| Average total loans | $2,009,376,000 | 365 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 1,416 |
| Cost of funding earning assets | 0.5384% | 2,695 |
| Net interest margin | 3.9201% | 1,163 |
| Noninterest income to average assets | 0.9544% | 1,135 |
| Noninterest expense to average assets | 2.4080% | 3,115 |
| Loan and lease loss provision to assets | 0.3368% | 1,042 |
| Net operating income to assets | 1.5141% | 781 |
| Return on assets (ROA) | 1.5141% | 847 |
| Pretax return on assets | 1.8894% | 566 |
| Return on Equity (ROE) | 13.9296% | 831 |
| Retained earnings to average equity (ytd only) | 7.8958% | 1,085 |
| Net charge-offs to loans | 0.0091% | 3,002 |
| Credit loss provision to net charge-offs | 4,432.1212% | 239 |
| Earnings coverage of net charge-offs (x) | 292.9212% | 349 |
| Efficiency ratio | 51.9615% | 4,384 |
| Assets per employee ($millions) | 6.0061% | 2,330 |
| Cash dividends to net income (ytd only)* | 43.3165% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,558 |
| Loan loss allowance to noncurrent loans | 1,007.2522% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 2,630 |
| Noncurrent loans to loans | 0.1263% | 3,779 |
| Net loans and leases to total assets | 82.8083% | 241 |
| Net loans and leases to deposits | 97.4138% | 488 |
| Net loans and leases to core deposits | 102.2597% | 800 |
| Total domestic deposits to total assets | 85.0067% | 2,756 |
| Equity capital to assets | 10.4475% | 2,716 |
| Core capital (leverage) ratio | 10.6449% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5398% | 1,142 |
| Memoranda: | ||
| Average total assets | $2,171,055,800 | 446 |
| Average earning assets | $2,037,952,400 | 435 |
| Average equity | $235,987,000 | 442 |
| Average total loans | $1,817,806,400 | 377 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 952 |
| Cost of funding earning assets | 0.5768% | 2,759 |
| Net interest margin | 4.1823% | 761 |
| Noninterest income to average assets | 0.8553% | 1,337 |
| Noninterest expense to average assets | 2.3935% | 3,154 |
| Loan and lease loss provision to assets | 0.3978% | 890 |
| Net operating income to assets | 1.5989% | 731 |
| Return on assets (ROA) | 1.5989% | 799 |
| Pretax return on assets | 1.9898% | 528 |
| Return on Equity (ROE) | 14.5537% | 779 |
| Retained earnings to average equity (ytd only) | 9.3050% | 908 |
| Net charge-offs to loans | -0.0112% | 4,251 |
| Credit loss provision to net charge-offs | -4,233.3333% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0609% | 4,487 |
| Assets per employee ($millions) | 5.7866% | 2,464 |
| Cash dividends to net income (ytd only)* | 36.0644% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,443 |
| Loan loss allowance to noncurrent loans | 490.9677% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 2,374 |
| Noncurrent loans to loans | 0.2526% | 3,401 |
| Net loans and leases to total assets | 86.6032% | 126 |
| Net loans and leases to deposits | 102.7252% | 427 |
| Net loans and leases to core deposits | 107.8226% | 773 |
| Total domestic deposits to total assets | 84.3057% | 2,711 |
| Equity capital to assets | 10.8212% | 2,537 |
| Core capital (leverage) ratio | 10.7655% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9951% | 915 |
| Memoranda: | ||
| Average total assets | $2,128,226,000 | 445 |
| Average earning assets | $1,997,719,500 | 437 |
| Average equity | $233,803,750 | 440 |
| Average total loans | $1,781,088,000 | 376 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 734 |
| Cost of funding earning assets | 0.6288% | 2,821 |
| Net interest margin | 4.4345% | 575 |
| Noninterest income to average assets | 0.8069% | 1,414 |
| Noninterest expense to average assets | 2.4065% | 3,247 |
| Loan and lease loss provision to assets | 0.5477% | 613 |
| Net operating income to assets | 1.6514% | 678 |
| Return on assets (ROA) | 1.6514% | 738 |
| Pretax return on assets | 2.0129% | 533 |
| Return on Equity (ROE) | 14.9523% | 714 |
| Retained earnings to average equity (ytd only) | 9.7107% | 844 |
| Net charge-offs to loans | -0.0237% | 4,462 |
| Credit loss provision to net charge-offs | -2,807.3529% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4481% | 4,593 |
| Assets per employee ($millions) | 6.0255% | 2,162 |
| Cash dividends to net income (ytd only)* | 35.0553% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,327 |
| Loan loss allowance to noncurrent loans | 426.0659% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 2,327 |
| Noncurrent loans to loans | 0.2899% | 3,341 |
| Net loans and leases to total assets | 81.9680% | 419 |
| Net loans and leases to deposits | 99.5725% | 581 |
| Net loans and leases to core deposits | 104.2971% | 983 |
| Total domestic deposits to total assets | 82.3199% | 3,282 |
| Equity capital to assets | 10.2272% | 2,981 |
| Core capital (leverage) ratio | 10.8224% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1923% | 1,449 |
| Memoranda: | ||
| Average total assets | $2,091,166,000 | 448 |
| Average earning assets | $1,961,854,333 | 437 |
| Average equity | $230,961,667 | 442 |
| Average total loans | $1,720,201,000 | 387 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,876 |
| Cost of funding earning assets | 0.7590% | 2,614 |
| Net interest margin | 3.8843% | 1,721 |
| Noninterest income to average assets | 0.6548% | 1,818 |
| Noninterest expense to average assets | 2.4512% | 3,419 |
| Loan and lease loss provision to assets | 0.0840% | 2,645 |
| Net operating income to assets | 1.3875% | 1,019 |
| Return on assets (ROA) | 1.3875% | 1,094 |
| Pretax return on assets | 1.7561% | 759 |
| Return on Equity (ROE) | 12.0395% | 1,092 |
| Retained earnings to average equity (ytd only) | 6.7984% | 1,610 |
| Net charge-offs to loans | 0.0564% | 1,443 |
| Credit loss provision to net charge-offs | 182.0175% | 1,469 |
| Earnings coverage of net charge-offs (x) | 39.8860% | 1,030 |
| Efficiency ratio | 57.1200% | 4,100 |
| Assets per employee ($millions) | 5.3383% | 2,289 |
| Cash dividends to net income (ytd only)* | 43.5322% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,209 |
| Loan loss allowance to noncurrent loans | 299.8006% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 2,128 |
| Noncurrent loans to loans | 0.3666% | 3,176 |
| Net loans and leases to total assets | 80.8666% | 580 |
| Net loans and leases to deposits | 97.7795% | 741 |
| Net loans and leases to core deposits | 103.2600% | 1,234 |
| Total domestic deposits to total assets | 82.7030% | 3,206 |
| Equity capital to assets | 11.4508% | 2,487 |
| Core capital (leverage) ratio | 11.7656% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4650% | 1,487 |
| Memoranda: | ||
| Average total assets | $1,976,849,500 | 454 |
| Average earning assets | $1,850,749,000 | 445 |
| Average equity | $227,817,500 | 445 |
| Average total loans | $1,617,663,500 | 396 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 1,832 |
| Cost of funding earning assets | 0.9516% | 1,952 |
| Net interest margin | 3.9220% | 2,102 |
| Noninterest income to average assets | 0.7504% | 1,628 |
| Noninterest expense to average assets | 2.4664% | 3,534 |
| Loan and lease loss provision to assets | 0.0603% | 2,833 |
| Net operating income to assets | 1.5249% | 996 |
| Return on assets (ROA) | 1.5249% | 1,057 |
| Pretax return on assets | 1.9078% | 735 |
| Return on Equity (ROE) | 13.2794% | 1,085 |
| Retained earnings to average equity (ytd only) | 7.6820% | 1,085 |
| Net charge-offs to loans | 0.0110% | 3,301 |
| Credit loss provision to net charge-offs | 669.4118% | 472 |
| Earnings coverage of net charge-offs (x) | 218.4118% | 372 |
| Efficiency ratio | 55.6180% | 4,251 |
| Assets per employee ($millions) | 5.0955% | 2,460 |
| Cash dividends to net income (ytd only)* | 42.1510% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 2,835 |
| Loan loss allowance to noncurrent loans | 552.6935% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 2,410 |
| Noncurrent loans to loans | 0.2026% | 3,729 |
| Net loans and leases to total assets | 80.9803% | 668 |
| Net loans and leases to deposits | 97.3353% | 814 |
| Net loans and leases to core deposits | 102.5192% | 1,356 |
| Total domestic deposits to total assets | 83.1973% | 3,139 |
| Equity capital to assets | 11.6000% | 2,431 |
| Core capital (leverage) ratio | 11.6326% | 2,013 |
| Tier 1 risk-based capital ratio | 15.4047% | 2,617 |
| Total risk-based capital ratio | 16.6370% | 2,553 |
| Memoranda: | ||
| Average total assets | $1,886,536,600 | 447 |
| Average earning assets | $1,772,149,800 | 435 |
| Average equity | $216,635,800 | 448 |
| Average total loans | $1,548,201,800 | 394 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8856% | 1,856 |
| Cost of funding earning assets | 0.9854% | 1,826 |
| Net interest margin | 3.9002% | 2,253 |
| Noninterest income to average assets | 0.7210% | 1,695 |
| Noninterest expense to average assets | 2.4614% | 3,531 |
| Loan and lease loss provision to assets | 0.0782% | 2,342 |
| Net operating income to assets | 1.4745% | 1,257 |
| Return on assets (ROA) | 1.4745% | 1,320 |
| Pretax return on assets | 1.8466% | 986 |
| Return on Equity (ROE) | 12.8748% | 1,327 |
| Retained earnings to average equity (ytd only) | 7.1863% | 1,767 |
| Net charge-offs to loans | 0.0147% | 2,870 |
| Credit loss provision to net charge-offs | 649.1124% | 510 |
| Earnings coverage of net charge-offs (x) | 159.8682% | 518 |
| Efficiency ratio | 56.1168% | 4,159 |
| Assets per employee ($millions) | 5.0593% | 2,490 |
| Cash dividends to net income (ytd only)* | 44.1830% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 2,868 |
| Loan loss allowance to noncurrent loans | 145.1671% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 1,353 |
| Noncurrent loans to loans | 0.7791% | 2,019 |
| Net loans and leases to total assets | 80.7805% | 735 |
| Net loans and leases to deposits | 97.3174% | 892 |
| Net loans and leases to core deposits | 102.9107% | 1,417 |
| Total domestic deposits to total assets | 83.0073% | 3,167 |
| Equity capital to assets | 11.4504% | 2,697 |
| Core capital (leverage) ratio | 11.6523% | 2,109 |
| Tier 1 risk-based capital ratio | 15.1587% | 2,776 |
| Total risk-based capital ratio | 16.3966% | 2,717 |
| Memoranda: | ||
| Average total assets | $1,871,549,750 | 450 |
| Average earning assets | $1,758,729,750 | 439 |
| Average equity | $214,346,750 | 453 |
| Average total loans | $1,536,722,000 | 400 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 1,863 |
| Cost of funding earning assets | 0.9964% | 1,712 |
| Net interest margin | 3.8689% | 2,345 |
| Noninterest income to average assets | 0.6887% | 1,762 |
| Noninterest expense to average assets | 2.4559% | 3,596 |
| Loan and lease loss provision to assets | 0.1125% | 1,670 |
| Net operating income to assets | 1.4150% | 1,390 |
| Return on assets (ROA) | 1.4150% | 1,443 |
| Pretax return on assets | 1.7609% | 1,147 |
| Return on Equity (ROE) | 12.3540% | 1,456 |
| Retained earnings to average equity (ytd only) | 6.4677% | 2,070 |
| Net charge-offs to loans | 0.0140% | 2,638 |
| Credit loss provision to net charge-offs | 973.8318% | 356 |
| Earnings coverage of net charge-offs (x) | 162.2056% | 460 |
| Efficiency ratio | 56.7268% | 4,163 |
| Assets per employee ($millions) | 4.9837% | 2,495 |
| Cash dividends to net income (ytd only)* | 47.6467% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,763 |
| Loan loss allowance to noncurrent loans | 838.9360% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 2,681 |
| Noncurrent loans to loans | 0.1378% | 4,061 |
| Net loans and leases to total assets | 80.6605% | 786 |
| Net loans and leases to deposits | 96.5350% | 979 |
| Net loans and leases to core deposits | 102.3530% | 1,524 |
| Total domestic deposits to total assets | 83.5558% | 3,028 |
| Equity capital to assets | 11.4369% | 2,660 |
| Core capital (leverage) ratio | 11.5052% | 2,161 |
| Tier 1 risk-based capital ratio | 15.3093% | 2,705 |
| Total risk-based capital ratio | 16.5596% | 2,641 |
| Memoranda: | ||
| Average total assets | $1,852,864,330 | 455 |
| Average earning assets | $1,743,557,000 | 443 |
| Average equity | $212,223,000 | 454 |
| Average total loans | $1,523,982,000 | 399 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 1,854 |
| Cost of funding earning assets | 0.9678% | 1,707 |
| Net interest margin | 3.8505% | 2,344 |
| Noninterest income to average assets | 0.6553% | 1,802 |
| Noninterest expense to average assets | 2.4357% | 3,669 |
| Loan and lease loss provision to assets | 0.1105% | 1,608 |
| Net operating income to assets | 1.3697% | 1,458 |
| Return on assets (ROA) | 1.3697% | 1,500 |
| Pretax return on assets | 1.7337% | 1,132 |
| Return on Equity (ROE) | 11.9493% | 1,550 |
| Retained earnings to average equity (ytd only) | 5.4184% | 2,725 |
| Net charge-offs to loans | 0.0026% | 2,656 |
| Credit loss provision to net charge-offs | 5,070.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 846.0000% | 72 |
| Efficiency ratio | 56.9093% | 4,223 |
| Assets per employee ($millions) | 5.0979% | 2,404 |
| Cash dividends to net income (ytd only)* | 54.6554% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 2,884 |
| Loan loss allowance to noncurrent loans | 544.3470% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 2,517 |
| Noncurrent loans to loans | 0.2103% | 3,833 |
| Net loans and leases to total assets | 80.6680% | 762 |
| Net loans and leases to deposits | 96.9078% | 897 |
| Net loans and leases to core deposits | 102.7134% | 1,398 |
| Total domestic deposits to total assets | 83.2421% | 3,300 |
| Equity capital to assets | 11.3850% | 2,496 |
| Core capital (leverage) ratio | 11.5668% | 2,090 |
| Tier 1 risk-based capital ratio | 15.2779% | 2,759 |
| Total risk-based capital ratio | 16.5281% | 2,666 |
| Memoranda: | ||
| Average total assets | $1,834,877,500 | 465 |
| Average earning assets | $1,727,246,000 | 451 |
| Average equity | $210,322,000 | 456 |
| Average total loans | $1,515,290,000 | 403 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 2,080 |
| Cost of funding earning assets | 0.7426% | 1,836 |
| Net interest margin | 3.8775% | 2,405 |
| Noninterest income to average assets | 0.7808% | 1,521 |
| Noninterest expense to average assets | 2.4321% | 3,797 |
| Loan and lease loss provision to assets | 0.0587% | 2,990 |
| Net operating income to assets | 1.5410% | 1,016 |
| Return on assets (ROA) | 1.5410% | 1,007 |
| Pretax return on assets | 1.9268% | 669 |
| Return on Equity (ROE) | 13.4933% | 1,173 |
| Retained earnings to average equity (ytd only) | 7.7487% | 1,349 |
| Net charge-offs to loans | -0.0052% | 4,362 |
| Credit loss provision to net charge-offs | -1,359.2105% | 4,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0550% | 4,508 |
| Assets per employee ($millions) | 5.0251% | 2,467 |
| Cash dividends to net income (ytd only)* | 42.5736% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,000 |
| Loan loss allowance to noncurrent loans | 494.4070% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 2,381 |
| Noncurrent loans to loans | 0.2258% | 3,770 |
| Net loans and leases to total assets | 82.6578% | 564 |
| Net loans and leases to deposits | 98.5012% | 850 |
| Net loans and leases to core deposits | 105.4516% | 1,309 |
| Total domestic deposits to total assets | 83.9155% | 3,024 |
| Equity capital to assets | 11.5421% | 2,225 |
| Core capital (leverage) ratio | 11.6782% | 1,970 |
| Tier 1 risk-based capital ratio | 15.1425% | 2,758 |
| Total risk-based capital ratio | 16.3803% | 2,704 |
| Memoranda: | ||
| Average total assets | $1,758,981,000 | 468 |
| Average earning assets | $1,649,845,000 | 456 |
| Average equity | $200,884,600 | 446 |
| Average total loans | $1,453,217,600 | 412 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 2,111 |
| Cost of funding earning assets | 0.6947% | 1,871 |
| Net interest margin | 3.8608% | 2,432 |
| Noninterest income to average assets | 0.7747% | 1,560 |
| Noninterest expense to average assets | 2.4182% | 3,813 |
| Loan and lease loss provision to assets | 0.0380% | 3,248 |
| Net operating income to assets | 1.5488% | 1,068 |
| Return on assets (ROA) | 1.5488% | 1,069 |
| Pretax return on assets | 1.9374% | 755 |
| Return on Equity (ROE) | 13.5987% | 1,235 |
| Retained earnings to average equity (ytd only) | 7.6389% | 1,829 |
| Net charge-offs to loans | -0.0203% | 4,630 |
| Credit loss provision to net charge-offs | -227.3973% | 4,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0381% | 4,503 |
| Assets per employee ($millions) | 4.9420% | 2,546 |
| Cash dividends to net income (ytd only)* | 43.8261% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 3,090 |
| Loan loss allowance to noncurrent loans | 378.6272% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 2,248 |
| Noncurrent loans to loans | 0.2952% | 3,617 |
| Net loans and leases to total assets | 83.1821% | 545 |
| Net loans and leases to deposits | 99.7081% | 812 |
| Net loans and leases to core deposits | 106.9265% | 1,234 |
| Total domestic deposits to total assets | 83.4256% | 3,155 |
| Equity capital to assets | 11.6533% | 2,144 |
| Core capital (leverage) ratio | 11.6285% | 2,065 |
| Tier 1 risk-based capital ratio | 15.1990% | 2,789 |
| Total risk-based capital ratio | 16.4376% | 2,721 |
| Memoranda: | ||
| Average total assets | $1,746,470,500 | 467 |
| Average earning assets | $1,637,026,500 | 459 |
| Average equity | $198,905,750 | 450 |
| Average total loans | $1,438,476,250 | 413 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 2,189 |
| Cost of funding earning assets | 0.6535% | 1,911 |
| Net interest margin | 3.8143% | 2,522 |
| Noninterest income to average assets | 0.7840% | 1,523 |
| Noninterest expense to average assets | 2.4554% | 3,759 |
| Loan and lease loss provision to assets | 0.0053% | 3,725 |
| Net operating income to assets | 1.4957% | 1,175 |
| Return on assets (ROA) | 1.4957% | 1,168 |
| Pretax return on assets | 1.8932% | 786 |
| Return on Equity (ROE) | 13.2357% | 1,284 |
| Retained earnings to average equity (ytd only) | 8.0585% | 1,604 |
| Net charge-offs to loans | -0.0403% | 4,842 |
| Credit loss provision to net charge-offs | -16.0279% | 3,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3959% | 4,430 |
| Assets per employee ($millions) | 4.9850% | 2,438 |
| Cash dividends to net income (ytd only)* | 39.1151% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,238 |
| Loan loss allowance to noncurrent loans | 568.5845% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 2,543 |
| Noncurrent loans to loans | 0.1940% | 4,030 |
| Net loans and leases to total assets | 81.1537% | 832 |
| Net loans and leases to deposits | 96.9557% | 1,046 |
| Net loans and leases to core deposits | 104.1796% | 1,381 |
| Total domestic deposits to total assets | 83.7018% | 3,174 |
| Equity capital to assets | 11.3014% | 2,361 |
| Core capital (leverage) ratio | 11.4658% | 2,097 |
| Tier 1 risk-based capital ratio | 15.0637% | 2,845 |
| Total risk-based capital ratio | 16.2835% | 2,786 |
| Memoranda: | ||
| Average total assets | $1,743,823,000 | 468 |
| Average earning assets | $1,632,073,670 | 457 |
| Average equity | $197,058,670 | 454 |
| Average total loans | $1,426,018,330 | 413 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,209 |
| Cost of funding earning assets | 0.6105% | 1,982 |
| Net interest margin | 3.7857% | 2,477 |
| Noninterest income to average assets | 0.7780% | 1,528 |
| Noninterest expense to average assets | 2.5334% | 3,548 |
| Loan and lease loss provision to assets | 0.0002% | 3,507 |
| Net operating income to assets | 1.3957% | 1,358 |
| Return on assets (ROA) | 1.3957% | 1,363 |
| Pretax return on assets | 1.7667% | 971 |
| Return on Equity (ROE) | 12.3512% | 1,455 |
| Retained earnings to average equity (ytd only) | 7.1642% | 2,204 |
| Net charge-offs to loans | -0.1130% | 5,246 |
| Credit loss provision to net charge-offs | -0.2513% | 3,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9113% | 4,231 |
| Assets per employee ($millions) | 4.8879% | 2,626 |
| Cash dividends to net income (ytd only)* | 41.9960% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,124 |
| Loan loss allowance to noncurrent loans | 447.5374% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 2,478 |
| Noncurrent loans to loans | 0.2555% | 3,846 |
| Net loans and leases to total assets | 80.3459% | 893 |
| Net loans and leases to deposits | 96.4160% | 988 |
| Net loans and leases to core deposits | 111.0401% | 946 |
| Total domestic deposits to total assets | 83.3326% | 3,568 |
| Equity capital to assets | 11.3037% | 2,294 |
| Core capital (leverage) ratio | 11.5138% | 2,000 |
| Tier 1 risk-based capital ratio | 15.2611% | 2,761 |
| Total risk-based capital ratio | 16.5113% | 2,698 |
| Memoranda: | ||
| Average total assets | $1,725,917,500 | 475 |
| Average earning assets | $1,605,813,000 | 468 |
| Average equity | $195,026,000 | 460 |
| Average total loans | $1,408,854,500 | 416 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 2,145 |
| Cost of funding earning assets | 0.4913% | 2,412 |
| Net interest margin | 3.8697% | 2,185 |
| Noninterest income to average assets | 0.7917% | 1,599 |
| Noninterest expense to average assets | 2.3647% | 4,168 |
| Loan and lease loss provision to assets | -0.0241% | 5,339 |
| Net operating income to assets | 1.2580% | 1,333 |
| Return on assets (ROA) | 1.2580% | 1,359 |
| Pretax return on assets | 2.0572% | 431 |
| Return on Equity (ROE) | 11.0918% | 1,439 |
| Retained earnings to average equity (ytd only) | 6.0349% | 1,521 |
| Net charge-offs to loans | -0.0175% | 4,921 |
| Credit loss provision to net charge-offs | 168.0672% | 1,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7693% | 4,967 |
| Assets per employee ($millions) | 4.8767% | 2,637 |
| Cash dividends to net income (ytd only)* | 45.5916% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,224 |
| Loan loss allowance to noncurrent loans | 270.4904% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 1,987 |
| Noncurrent loans to loans | 0.4156% | 3,281 |
| Net loans and leases to total assets | 81.0675% | 824 |
| Net loans and leases to deposits | 97.5598% | 939 |
| Net loans and leases to core deposits | 111.7442% | 911 |
| Total domestic deposits to total assets | 83.0952% | 3,530 |
| Equity capital to assets | 11.2959% | 2,367 |
| Core capital (leverage) ratio | 11.5778% | 1,886 |
| Tier 1 risk-based capital ratio | 15.1067% | 2,793 |
| Total risk-based capital ratio | 16.3543% | 2,739 |
| Memoranda: | ||
| Average total assets | $1,660,764,400 | 473 |
| Average earning assets | $1,547,664,400 | 464 |
| Average equity | $188,355,000 | 461 |
| Average total loans | $1,362,199,400 | 415 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 2,108 |
| Cost of funding earning assets | 0.4763% | 2,465 |
| Net interest margin | 3.8741% | 2,127 |
| Noninterest income to average assets | 0.8007% | 1,582 |
| Noninterest expense to average assets | 2.3682% | 4,096 |
| Loan and lease loss provision to assets | -0.0324% | 5,498 |
| Net operating income to assets | 1.3867% | 1,122 |
| Return on assets (ROA) | 1.3867% | 1,137 |
| Pretax return on assets | 2.0741% | 474 |
| Return on Equity (ROE) | 12.2139% | 1,270 |
| Retained earnings to average equity (ytd only) | 7.2286% | 1,579 |
| Net charge-offs to loans | -0.0297% | 4,994 |
| Credit loss provision to net charge-offs | 132.8904% | 1,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7012% | 4,952 |
| Assets per employee ($millions) | 4.6724% | 2,870 |
| Cash dividends to net income (ytd only)* | 40.8168% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 3,170 |
| Loan loss allowance to noncurrent loans | 419.2165% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 2,362 |
| Noncurrent loans to loans | 0.2758% | 3,962 |
| Net loans and leases to total assets | 83.0404% | 542 |
| Net loans and leases to deposits | 99.5958% | 774 |
| Net loans and leases to core deposits | 114.3387% | 820 |
| Total domestic deposits to total assets | 83.3774% | 3,336 |
| Equity capital to assets | 11.7974% | 2,112 |
| Core capital (leverage) ratio | 11.7983% | 1,822 |
| Tier 1 risk-based capital ratio | 15.3741% | 2,761 |
| Total risk-based capital ratio | 16.6245% | 2,703 |
| Memoranda: | ||
| Average total assets | $1,648,022,250 | 479 |
| Average earning assets | $1,535,354,000 | 469 |
| Average equity | $187,104,750 | 464 |
| Average total loans | $1,351,890,750 | 420 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 2,231 |
| Cost of funding earning assets | 0.4678% | 2,429 |
| Net interest margin | 3.7987% | 2,293 |
| Noninterest income to average assets | 0.7766% | 1,656 |
| Noninterest expense to average assets | 2.3597% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3176% | 1,264 |
| Return on assets (ROA) | 1.3176% | 1,286 |
| Pretax return on assets | 1.9607% | 576 |
| Return on Equity (ROE) | 11.7563% | 1,374 |
| Retained earnings to average equity (ytd only) | 6.7991% | 1,686 |
| Net charge-offs to loans | -0.0519% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6172% | 4,961 |
| Assets per employee ($millions) | 4.6850% | 2,816 |
| Cash dividends to net income (ytd only)* | 42.1661% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 3,001 |
| Loan loss allowance to noncurrent loans | 433.0231% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7017% | 2,461 |
| Noncurrent loans to loans | 0.2776% | 4,047 |
| Net loans and leases to total assets | 81.3864% | 758 |
| Net loans and leases to deposits | 95.9316% | 1,089 |
| Net loans and leases to core deposits | 112.8698% | 857 |
| Total domestic deposits to total assets | 84.8379% | 2,873 |
| Equity capital to assets | 11.4621% | 2,349 |
| Core capital (leverage) ratio | 11.4326% | 2,019 |
| Tier 1 risk-based capital ratio | 15.2482% | 2,827 |
| Total risk-based capital ratio | 16.4992% | 2,754 |
| Memoranda: | ||
| Average total assets | $1,653,803,670 | 478 |
| Average earning assets | $1,542,809,000 | 471 |
| Average equity | $185,347,330 | 465 |
| Average total loans | $1,345,868,000 | 425 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 2,242 |
| Cost of funding earning assets | 0.4592% | 2,439 |
| Net interest margin | 3.7505% | 2,305 |
| Noninterest income to average assets | 0.7274% | 1,841 |
| Noninterest expense to average assets | 2.3214% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3354% | 1,151 |
| Return on assets (ROA) | 1.3354% | 1,186 |
| Pretax return on assets | 1.9102% | 612 |
| Return on Equity (ROE) | 12.0515% | 1,222 |
| Retained earnings to average equity (ytd only) | 7.0977% | 1,814 |
| Net charge-offs to loans | -0.1017% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8589% | 5,056 |
| Assets per employee ($millions) | 4.8130% | 2,680 |
| Cash dividends to net income (ytd only)* | 41.1053% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 3,077 |
| Loan loss allowance to noncurrent loans | 414.7261% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 2,521 |
| Noncurrent loans to loans | 0.2915% | 4,067 |
| Net loans and leases to total assets | 79.6418% | 883 |
| Net loans and leases to deposits | 93.7260% | 1,139 |
| Net loans and leases to core deposits | 110.9842% | 831 |
| Total domestic deposits to total assets | 84.9730% | 3,101 |
| Equity capital to assets | 11.1019% | 2,531 |
| Core capital (leverage) ratio | 11.2789% | 2,121 |
| Tier 1 risk-based capital ratio | 15.2061% | 2,869 |
| Total risk-based capital ratio | 16.4573% | 2,804 |
| Memoranda: | ||
| Average total assets | $1,658,488,500 | 480 |
| Average earning assets | $1,549,541,000 | 472 |
| Average equity | $183,778,000 | 465 |
| Average total loans | $1,341,486,000 | 427 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 2,206 |
| Cost of funding earning assets | 0.4548% | 2,498 |
| Net interest margin | 3.8267% | 2,224 |
| Noninterest income to average assets | 0.8935% | 1,434 |
| Noninterest expense to average assets | 2.4580% | 4,135 |
| Loan and lease loss provision to assets | 0.0259% | 3,833 |
| Net operating income to assets | 1.3317% | 1,138 |
| Return on assets (ROA) | 1.3317% | 1,192 |
| Pretax return on assets | 1.9825% | 523 |
| Return on Equity (ROE) | 11.6401% | 1,354 |
| Retained earnings to average equity (ytd only) | 4.4783% | 2,725 |
| Net charge-offs to loans | -0.0354% | 5,302 |
| Credit loss provision to net charge-offs | -89.3333% | 4,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0324% | 5,148 |
| Assets per employee ($millions) | 4.7597% | 2,708 |
| Cash dividends to net income (ytd only)* | 61.5269% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 3,166 |
| Loan loss allowance to noncurrent loans | 345.5551% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.9019% | 2,101 |
| Noncurrent loans to loans | 0.3451% | 3,899 |
| Net loans and leases to total assets | 80.1917% | 870 |
| Net loans and leases to deposits | 94.4078% | 1,156 |
| Net loans and leases to core deposits | 112.6906% | 746 |
| Total domestic deposits to total assets | 84.9418% | 3,075 |
| Equity capital to assets | 11.0599% | 2,578 |
| Core capital (leverage) ratio | 11.2283% | 2,136 |
| Tier 1 risk-based capital ratio | 14.9472% | 2,989 |
| Total risk-based capital ratio | 16.1981% | 2,923 |
| Memoranda: | ||
| Average total assets | $1,552,045,400 | 492 |
| Average earning assets | $1,449,136,000 | 480 |
| Average equity | $177,567,200 | 465 |
| Average total loans | $1,272,222,400 | 419 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 2,146 |
| Cost of funding earning assets | 0.4485% | 2,567 |
| Net interest margin | 3.8566% | 2,135 |
| Noninterest income to average assets | 0.8621% | 1,540 |
| Noninterest expense to average assets | 2.4891% | 4,017 |
| Loan and lease loss provision to assets | 0.0327% | 3,575 |
| Net operating income to assets | 1.2958% | 1,306 |
| Return on assets (ROA) | 1.2958% | 1,407 |
| Pretax return on assets | 1.9407% | 646 |
| Return on Equity (ROE) | 11.2257% | 1,584 |
| Retained earnings to average equity (ytd only) | 3.1779% | 4,010 |
| Net charge-offs to loans | -0.0617% | 5,430 |
| Credit loss provision to net charge-offs | -64.5439% | 4,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7778% | 5,083 |
| Assets per employee ($millions) | 4.6811% | 2,778 |
| Cash dividends to net income (ytd only)* | 71.6911% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 3,071 |
| Loan loss allowance to noncurrent loans | 256.9438% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 1,905 |
| Noncurrent loans to loans | 0.4783% | 3,577 |
| Net loans and leases to total assets | 82.4637% | 557 |
| Net loans and leases to deposits | 98.0002% | 855 |
| Net loans and leases to core deposits | 114.4620% | 706 |
| Total domestic deposits to total assets | 84.1465% | 3,165 |
| Equity capital to assets | 11.4284% | 2,576 |
| Core capital (leverage) ratio | 11.5281% | 2,002 |
| Tier 1 risk-based capital ratio | 14.9586% | 3,073 |
| Total risk-based capital ratio | 16.2099% | 3,000 |
| Memoranda: | ||
| Average total assets | $1,528,343,000 | 504 |
| Average earning assets | $1,426,800,250 | 485 |
| Average equity | $176,423,750 | 471 |
| Average total loans | $1,256,133,500 | 424 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 2,156 |
| Cost of funding earning assets | 0.4327% | 2,713 |
| Net interest margin | 3.8670% | 2,096 |
| Noninterest income to average assets | 0.8624% | 1,503 |
| Noninterest expense to average assets | 2.4692% | 4,121 |
| Loan and lease loss provision to assets | 0.0447% | 3,261 |
| Net operating income to assets | 1.3013% | 1,270 |
| Return on assets (ROA) | 1.3009% | 1,379 |
| Pretax return on assets | 1.9603% | 621 |
| Return on Equity (ROE) | 11.2312% | 1,561 |
| Retained earnings to average equity (ytd only) | 1.4595% | 4,796 |
| Net charge-offs to loans | -0.0708% | 5,506 |
| Credit loss provision to net charge-offs | -77.2210% | 4,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1810% | 5,225 |
| Assets per employee ($millions) | 4.7859% | 2,581 |
| Cash dividends to net income (ytd only)* | 87.0046% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 3,017 |
| Loan loss allowance to noncurrent loans | 343.3550% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 2,098 |
| Noncurrent loans to loans | 0.3668% | 4,047 |
| Net loans and leases to total assets | 80.2139% | 863 |
| Net loans and leases to deposits | 95.4320% | 1,143 |
| Net loans and leases to core deposits | 113.2917% | 759 |
| Total domestic deposits to total assets | 84.0534% | 3,242 |
| Equity capital to assets | 11.3370% | 2,706 |
| Core capital (leverage) ratio | 11.6968% | 1,849 |
| Tier 1 risk-based capital ratio | 15.1992% | 2,987 |
| Total risk-based capital ratio | 16.4510% | 2,919 |
| Memoranda: | ||
| Average total assets | $1,516,622,670 | 505 |
| Average earning assets | $1,416,690,330 | 487 |
| Average equity | $175,670,670 | 475 |
| Average total loans | $1,239,723,000 | 430 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 2,070 |
| Cost of funding earning assets | 0.4343% | 2,729 |
| Net interest margin | 3.8819% | 1,988 |
| Noninterest income to average assets | 0.7933% | 1,644 |
| Noninterest expense to average assets | 2.5102% | 4,039 |
| Loan and lease loss provision to assets | 0.0464% | 2,988 |
| Net operating income to assets | 1.2573% | 1,389 |
| Return on assets (ROA) | 1.2566% | 1,485 |
| Pretax return on assets | 1.8615% | 751 |
| Return on Equity (ROE) | 10.7307% | 1,706 |
| Retained earnings to average equity (ytd only) | 6.0225% | 2,361 |
| Net charge-offs to loans | -0.1682% | 5,802 |
| Credit loss provision to net charge-offs | -33.6557% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8023% | 5,121 |
| Assets per employee ($millions) | 4.7631% | 2,655 |
| Cash dividends to net income (ytd only)* | 43.8760% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 3,011 |
| Loan loss allowance to noncurrent loans | 260.5450% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1651% | 1,887 |
| Noncurrent loans to loans | 0.4907% | 3,708 |
| Net loans and leases to total assets | 81.4466% | 637 |
| Net loans and leases to deposits | 97.9456% | 761 |
| Net loans and leases to core deposits | 116.0401% | 589 |
| Total domestic deposits to total assets | 83.1549% | 3,838 |
| Equity capital to assets | 11.8340% | 2,130 |
| Core capital (leverage) ratio | 11.8729% | 1,692 |
| Tier 1 risk-based capital ratio | 15.6890% | 2,827 |
| Total risk-based capital ratio | 16.9410% | 2,756 |
| Memoranda: | ||
| Average total assets | $1,499,617,500 | 509 |
| Average earning assets | $1,400,744,500 | 495 |
| Average equity | $175,608,000 | 471 |
| Average total loans | $1,229,741,500 | 434 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 2,134 |
| Cost of funding earning assets | 0.4197% | 2,944 |
| Net interest margin | 3.9043% | 2,011 |
| Noninterest income to average assets | 0.9068% | 1,425 |
| Noninterest expense to average assets | 2.4064% | 4,495 |
| Loan and lease loss provision to assets | 0.0686% | 2,923 |
| Net operating income to assets | 1.3902% | 1,052 |
| Return on assets (ROA) | 1.3913% | 1,095 |
| Pretax return on assets | 2.0656% | 471 |
| Return on Equity (ROE) | 11.8068% | 1,352 |
| Retained earnings to average equity (ytd only) | 7.5377% | 1,084 |
| Net charge-offs to loans | 0.0753% | 2,750 |
| Credit loss provision to net charge-offs | 113.8533% | 2,234 |
| Earnings coverage of net charge-offs (x) | 35.3958% | 1,291 |
| Efficiency ratio | 53.0178% | 5,583 |
| Assets per employee ($millions) | 4.8661% | 2,509 |
| Cash dividends to net income (ytd only)* | 36.1579% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 3,291 |
| Loan loss allowance to noncurrent loans | 271.0205% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 1,852 |
| Noncurrent loans to loans | 0.4542% | 3,846 |
| Net loans and leases to total assets | 80.5054% | 772 |
| Net loans and leases to deposits | 96.5906% | 947 |
| Net loans and leases to core deposits | 115.5773% | 614 |
| Total domestic deposits to total assets | 83.3470% | 3,729 |
| Equity capital to assets | 11.5870% | 2,291 |
| Core capital (leverage) ratio | 11.8593% | 1,716 |
| Tier 1 risk-based capital ratio | 15.4185% | 2,977 |
| Total risk-based capital ratio | 16.6697% | 2,912 |
| Memoranda: | ||
| Average total assets | $1,425,819,400 | 501 |
| Average earning assets | $1,326,398,600 | 492 |
| Average equity | $168,021,400 | 472 |
| Average total loans | $1,141,046,600 | 433 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,227 |
| Cost of funding earning assets | 0.4177% | 3,031 |
| Net interest margin | 3.8840% | 2,086 |
| Noninterest income to average assets | 0.9038% | 1,441 |
| Noninterest expense to average assets | 2.3614% | 4,619 |
| Loan and lease loss provision to assets | 0.0888% | 2,380 |
| Net operating income to assets | 1.3946% | 1,118 |
| Return on assets (ROA) | 1.3962% | 1,164 |
| Pretax return on assets | 2.0647% | 532 |
| Return on Equity (ROE) | 11.7952% | 1,432 |
| Retained earnings to average equity (ytd only) | 7.7049% | 1,370 |
| Net charge-offs to loans | 0.0812% | 2,394 |
| Credit loss provision to net charge-offs | 137.3900% | 1,794 |
| Earnings coverage of net charge-offs (x) | 33.2698% | 1,397 |
| Efficiency ratio | 52.3299% | 5,631 |
| Assets per employee ($millions) | 4.6999% | 2,709 |
| Cash dividends to net income (ytd only)* | 34.6778% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 3,112 |
| Loan loss allowance to noncurrent loans | 209.0510% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.4121% | 1,626 |
| Noncurrent loans to loans | 0.6204% | 3,461 |
| Net loans and leases to total assets | 81.0759% | 694 |
| Net loans and leases to deposits | 97.5823% | 853 |
| Net loans and leases to core deposits | 112.8526% | 716 |
| Total domestic deposits to total assets | 83.0846% | 3,788 |
| Equity capital to assets | 11.9923% | 2,116 |
| Core capital (leverage) ratio | 12.0646% | 1,642 |
| Tier 1 risk-based capital ratio | 15.8281% | 2,882 |
| Total risk-based capital ratio | 17.0803% | 2,815 |
| Memoranda: | ||
| Average total assets | $1,406,368,250 | 505 |
| Average earning assets | $1,306,684,750 | 499 |
| Average equity | $166,470,500 | 482 |
| Average total loans | $1,119,912,500 | 443 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,378 |
| Cost of funding earning assets | 0.4174% | 3,065 |
| Net interest margin | 3.8261% | 2,217 |
| Noninterest income to average assets | 0.8948% | 1,460 |
| Noninterest expense to average assets | 2.3596% | 4,693 |
| Loan and lease loss provision to assets | 0.1291% | 1,721 |
| Net operating income to assets | 1.3374% | 1,223 |
| Return on assets (ROA) | 1.3382% | 1,265 |
| Pretax return on assets | 1.9671% | 638 |
| Return on Equity (ROE) | 11.3560% | 1,567 |
| Retained earnings to average equity (ytd only) | 7.5136% | 1,468 |
| Net charge-offs to loans | 0.0820% | 2,233 |
| Credit loss provision to net charge-offs | 199.7788% | 1,245 |
| Earnings coverage of net charge-offs (x) | 32.4204% | 1,296 |
| Efficiency ratio | 52.9687% | 5,652 |
| Assets per employee ($millions) | 4.6687% | 2,721 |
| Cash dividends to net income (ytd only)* | 33.8355% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 2,979 |
| Loan loss allowance to noncurrent loans | 127.2870% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.7603% | 1,331 |
| Noncurrent loans to loans | 1.0614% | 2,519 |
| Net loans and leases to total assets | 79.3124% | 897 |
| Net loans and leases to deposits | 93.7518% | 1,176 |
| Net loans and leases to core deposits | 113.2274% | 701 |
| Total domestic deposits to total assets | 84.5983% | 3,296 |
| Equity capital to assets | 11.8231% | 2,151 |
| Core capital (leverage) ratio | 11.9905% | 1,668 |
| Tier 1 risk-based capital ratio | 16.2340% | 2,740 |
| Total risk-based capital ratio | 17.4872% | 2,691 |
| Memoranda: | ||
| Average total assets | $1,398,906,000 | 508 |
| Average earning assets | $1,301,532,670 | 498 |
| Average equity | $164,847,330 | 486 |
| Average total loans | $1,102,017,670 | 449 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,440 |
| Cost of funding earning assets | 0.4226% | 3,038 |
| Net interest margin | 3.7822% | 2,288 |
| Noninterest income to average assets | 0.8558% | 1,543 |
| Noninterest expense to average assets | 2.3452% | 4,755 |
| Loan and lease loss provision to assets | 0.1305% | 1,588 |
| Net operating income to assets | 1.2806% | 1,336 |
| Return on assets (ROA) | 1.2806% | 1,416 |
| Pretax return on assets | 1.8987% | 720 |
| Return on Equity (ROE) | 10.8858% | 1,662 |
| Retained earnings to average equity (ytd only) | 8.3149% | 1,451 |
| Net charge-offs to loans | 0.2812% | 858 |
| Credit loss provision to net charge-offs | 59.5269% | 2,010 |
| Earnings coverage of net charge-offs (x) | 9.2576% | 2,020 |
| Efficiency ratio | 53.6116% | 5,710 |
| Assets per employee ($millions) | 4.6126% | 2,888 |
| Cash dividends to net income (ytd only)* | 23.6167% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 3,120 |
| Loan loss allowance to noncurrent loans | 113.2242% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.8394% | 1,326 |
| Noncurrent loans to loans | 1.1975% | 2,377 |
| Net loans and leases to total assets | 76.8126% | 1,082 |
| Net loans and leases to deposits | 90.3798% | 1,350 |
| Net loans and leases to core deposits | 108.3339% | 809 |
| Total domestic deposits to total assets | 84.9887% | 3,411 |
| Equity capital to assets | 11.8921% | 2,115 |
| Core capital (leverage) ratio | 11.8714% | 1,722 |
| Tier 1 risk-based capital ratio | 16.7986% | 2,561 |
| Total risk-based capital ratio | 18.0518% | 2,517 |
| Memoranda: | ||
| Average total assets | $1,388,715,000 | 515 |
| Average earning assets | $1,291,957,500 | 504 |
| Average equity | $163,369,000 | 489 |
| Average total loans | $1,082,482,000 | 450 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 2,380 |
| Cost of funding earning assets | 0.4682% | 2,994 |
| Net interest margin | 3.8884% | 2,285 |
| Noninterest income to average assets | 1.0107% | 1,189 |
| Noninterest expense to average assets | 2.3863% | 4,882 |
| Loan and lease loss provision to assets | 0.2089% | 1,200 |
| Net operating income to assets | 1.3803% | 1,120 |
| Return on assets (ROA) | 1.3803% | 1,156 |
| Pretax return on assets | 2.0240% | 493 |
| Return on Equity (ROE) | 12.0128% | 1,405 |
| Retained earnings to average equity (ytd only) | 8.2945% | 911 |
| Net charge-offs to loans | 0.3722% | 1,161 |
| Credit loss provision to net charge-offs | 72.7951% | 3,003 |
| Earnings coverage of net charge-offs (x) | 7.7825% | 2,977 |
| Efficiency ratio | 51.6603% | 6,003 |
| Assets per employee ($millions) | 4.5843% | 2,894 |
| Cash dividends to net income (ytd only)* | 30.9530% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 3,040 |
| Loan loss allowance to noncurrent loans | 269.5120% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 2,016 |
| Noncurrent loans to loans | 0.5123% | 4,132 |
| Net loans and leases to total assets | 76.9511% | 1,135 |
| Net loans and leases to deposits | 90.2322% | 1,495 |
| Net loans and leases to core deposits | 108.5035% | 861 |
| Total domestic deposits to total assets | 85.2812% | 3,174 |
| Equity capital to assets | 11.6361% | 2,312 |
| Core capital (leverage) ratio | 11.7787% | 1,778 |
| Tier 1 risk-based capital ratio | 16.3856% | 2,768 |
| Total risk-based capital ratio | 17.6392% | 2,708 |
| Memoranda: | ||
| Average total assets | $1,355,444,000 | 506 |
| Average earning assets | $1,257,890,200 | 499 |
| Average equity | $155,742,000 | 489 |
| Average total loans | $1,044,956,600 | 441 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 2,370 |
| Cost of funding earning assets | 0.4781% | 2,975 |
| Net interest margin | 3.8862% | 2,297 |
| Noninterest income to average assets | 1.0672% | 1,078 |
| Noninterest expense to average assets | 2.3932% | 4,852 |
| Loan and lease loss provision to assets | 0.2104% | 1,100 |
| Net operating income to assets | 1.3950% | 1,140 |
| Return on assets (ROA) | 1.3949% | 1,183 |
| Pretax return on assets | 2.0683% | 485 |
| Return on Equity (ROE) | 12.1801% | 1,430 |
| Retained earnings to average equity (ytd only) | 9.3721% | 882 |
| Net charge-offs to loans | 0.3605% | 1,115 |
| Credit loss provision to net charge-offs | 75.9557% | 2,672 |
| Earnings coverage of net charge-offs (x) | 8.2254% | 2,836 |
| Efficiency ratio | 51.2245% | 6,042 |
| Assets per employee ($millions) | 4.3689% | 3,179 |
| Cash dividends to net income (ytd only)* | 23.0540% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 2,967 |
| Loan loss allowance to noncurrent loans | 218.7064% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 1.5098% | 2,040 |
| Noncurrent loans to loans | 0.6607% | 3,962 |
| Net loans and leases to total assets | 78.5749% | 884 |
| Net loans and leases to deposits | 92.8337% | 1,152 |
| Net loans and leases to core deposits | 108.1892% | 840 |
| Total domestic deposits to total assets | 84.6405% | 3,484 |
| Equity capital to assets | 11.9746% | 2,080 |
| Core capital (leverage) ratio | 11.8381% | 1,805 |
| Tier 1 risk-based capital ratio | 16.4801% | 2,817 |
| Total risk-based capital ratio | 17.7343% | 2,772 |
| Memoranda: | ||
| Average total assets | $1,347,042,000 | 508 |
| Average earning assets | $1,249,521,750 | 500 |
| Average equity | $154,269,750 | 494 |
| Average total loans | $1,035,231,500 | 442 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 2,476 |
| Cost of funding earning assets | 0.4843% | 2,981 |
| Net interest margin | 3.8455% | 2,398 |
| Noninterest income to average assets | 1.0958% | 990 |
| Noninterest expense to average assets | 2.3699% | 4,972 |
| Loan and lease loss provision to assets | 0.2219% | 1,043 |
| Net operating income to assets | 1.3912% | 1,088 |
| Return on assets (ROA) | 1.3912% | 1,132 |
| Pretax return on assets | 2.0728% | 464 |
| Return on Equity (ROE) | 12.3327% | 1,344 |
| Retained earnings to average equity (ytd only) | 10.0207% | 712 |
| Net charge-offs to loans | 0.4954% | 818 |
| Credit loss provision to net charge-offs | 59.0087% | 2,659 |
| Earnings coverage of net charge-offs (x) | 6.1019% | 2,822 |
| Efficiency ratio | 50.8056% | 6,135 |
| Assets per employee ($millions) | 4.4750% | 2,959 |
| Cash dividends to net income (ytd only)* | 18.7473% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 3,182 |
| Loan loss allowance to noncurrent loans | 194.2687% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4408% | 2,260 |
| Noncurrent loans to loans | 0.7371% | 3,858 |
| Net loans and leases to total assets | 75.5615% | 1,224 |
| Net loans and leases to deposits | 88.7851% | 1,501 |
| Net loans and leases to core deposits | 105.5885% | 921 |
| Total domestic deposits to total assets | 85.1061% | 3,456 |
| Equity capital to assets | 11.4597% | 2,458 |
| Core capital (leverage) ratio | 11.5125% | 1,992 |
| Tier 1 risk-based capital ratio | 16.2892% | 2,934 |
| Total risk-based capital ratio | 17.5432% | 2,877 |
| Memoranda: | ||
| Average total assets | $1,351,880,670 | 511 |
| Average earning assets | $1,254,595,670 | 500 |
| Average equity | $152,505,000 | 494 |
| Average total loans | $1,026,181,330 | 443 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 2,568 |
| Cost of funding earning assets | 0.4931% | 2,979 |
| Net interest margin | 3.7947% | 2,493 |
| Noninterest income to average assets | 0.8997% | 1,396 |
| Noninterest expense to average assets | 2.3996% | 4,926 |
| Loan and lease loss provision to assets | 0.2230% | 1,009 |
| Net operating income to assets | 1.2288% | 1,403 |
| Return on assets (ROA) | 1.2288% | 1,457 |
| Pretax return on assets | 1.7961% | 804 |
| Return on Equity (ROE) | 10.9810% | 1,689 |
| Retained earnings to average equity (ytd only) | 10.1308% | 929 |
| Net charge-offs to loans | 0.5515% | 668 |
| Credit loss provision to net charge-offs | 53.5332% | 2,169 |
| Earnings coverage of net charge-offs (x) | 4.8473% | 2,460 |
| Efficiency ratio | 54.3063% | 5,988 |
| Assets per employee ($millions) | 4.4677% | 3,030 |
| Cash dividends to net income (ytd only)* | 7.7426% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,134 |
| Loan loss allowance to noncurrent loans | 107.7069% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 2.0064% | 1,704 |
| Noncurrent loans to loans | 1.3954% | 2,693 |
| Net loans and leases to total assets | 74.4250% | 1,202 |
| Net loans and leases to deposits | 87.5111% | 1,416 |
| Net loans and leases to core deposits | 105.2259% | 785 |
| Total domestic deposits to total assets | 85.0463% | 3,843 |
| Equity capital to assets | 11.2669% | 2,463 |
| Core capital (leverage) ratio | 11.3145% | 2,124 |
| Tier 1 risk-based capital ratio | 16.2461% | 3,035 |
| Total risk-based capital ratio | 17.5010% | 2,992 |
| Memoranda: | ||
| Average total assets | $1,345,376,500 | 514 |
| Average earning assets | $1,247,638,000 | 500 |
| Average equity | $150,551,500 | 501 |
| Average total loans | $1,016,115,500 | 445 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 2,476 |
| Cost of funding earning assets | 0.5275% | 3,320 |
| Net interest margin | 3.9010% | 2,281 |
| Noninterest income to average assets | 1.1661% | 1,035 |
| Noninterest expense to average assets | 2.4368% | 4,967 |
| Loan and lease loss provision to assets | 0.3713% | 834 |
| Net operating income to assets | 1.3714% | 1,087 |
| Return on assets (ROA) | 1.3714% | 1,129 |
| Pretax return on assets | 1.9841% | 501 |
| Return on Equity (ROE) | 12.3572% | 1,315 |
| Retained earnings to average equity (ytd only) | 8.4313% | 927 |
| Net charge-offs to loans | 0.5446% | 1,217 |
| Credit loss provision to net charge-offs | 91.8453% | 2,708 |
| Earnings coverage of net charge-offs (x) | 5.8264% | 3,200 |
| Efficiency ratio | 50.7396% | 6,368 |
| Assets per employee ($millions) | 4.5018% | 2,899 |
| Cash dividends to net income (ytd only)* | 31.7702% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 2,804 |
| Loan loss allowance to noncurrent loans | 138.4602% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.8316% | 2,001 |
| Noncurrent loans to loans | 1.1466% | 3,249 |
| Net loans and leases to total assets | 74.2935% | 1,298 |
| Net loans and leases to deposits | 87.2889% | 1,543 |
| Net loans and leases to core deposits | 106.2303% | 783 |
| Total domestic deposits to total assets | 85.1121% | 3,686 |
| Equity capital to assets | 11.1127% | 2,513 |
| Core capital (leverage) ratio | 11.2463% | 2,159 |
| Tier 1 risk-based capital ratio | 15.9293% | 3,129 |
| Total risk-based capital ratio | 17.1852% | 3,084 |
| Memoranda: | ||
| Average total assets | $1,292,219,200 | 512 |
| Average earning assets | $1,201,165,600 | 500 |
| Average equity | $143,405,800 | 509 |
| Average total loans | $959,319,200 | 445 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 2,497 |
| Cost of funding earning assets | 0.5305% | 3,459 |
| Net interest margin | 3.8987% | 2,278 |
| Noninterest income to average assets | 1.2275% | 976 |
| Noninterest expense to average assets | 2.5003% | 4,720 |
| Loan and lease loss provision to assets | 0.4265% | 685 |
| Net operating income to assets | 1.3320% | 1,262 |
| Return on assets (ROA) | 1.3320% | 1,317 |
| Pretax return on assets | 1.9280% | 677 |
| Return on Equity (ROE) | 12.0071% | 1,472 |
| Retained earnings to average equity (ytd only) | 9.1981% | 1,004 |
| Net charge-offs to loans | 0.5558% | 1,143 |
| Credit loss provision to net charge-offs | 103.8257% | 2,257 |
| Earnings coverage of net charge-offs (x) | 5.7314% | 3,116 |
| Efficiency ratio | 51.3560% | 6,304 |
| Assets per employee ($millions) | 4.3749% | 3,092 |
| Cash dividends to net income (ytd only)* | 23.3943% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 2,612 |
| Loan loss allowance to noncurrent loans | 200.1326% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 1.7105% | 2,400 |
| Noncurrent loans to loans | 0.8509% | 4,125 |
| Net loans and leases to total assets | 74.5000% | 1,214 |
| Net loans and leases to deposits | 88.2315% | 1,343 |
| Net loans and leases to core deposits | 104.0033% | 878 |
| Total domestic deposits to total assets | 84.4370% | 4,013 |
| Equity capital to assets | 11.3798% | 2,398 |
| Core capital (leverage) ratio | 11.3928% | 2,129 |
| Tier 1 risk-based capital ratio | 16.2877% | 3,047 |
| Total risk-based capital ratio | 17.5452% | 3,002 |
| Memoranda: | ||
| Average total assets | $1,281,015,750 | 516 |
| Average earning assets | $1,191,857,750 | 502 |
| Average equity | $142,112,000 | 520 |
| Average total loans | $946,811,000 | 449 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 2,659 |
| Cost of funding earning assets | 0.5291% | 3,615 |
| Net interest margin | 3.8456% | 2,395 |
| Noninterest income to average assets | 1.3092% | 908 |
| Noninterest expense to average assets | 2.5186% | 4,660 |
| Loan and lease loss provision to assets | 0.4703% | 602 |
| Net operating income to assets | 1.3285% | 1,246 |
| Return on assets (ROA) | 1.3286% | 1,328 |
| Pretax return on assets | 1.9075% | 744 |
| Return on Equity (ROE) | 12.0802% | 1,468 |
| Retained earnings to average equity (ytd only) | 10.0929% | 824 |
| Net charge-offs to loans | 0.7147% | 913 |
| Credit loss provision to net charge-offs | 89.7910% | 2,446 |
| Earnings coverage of net charge-offs (x) | 4.5397% | 3,101 |
| Efficiency ratio | 51.2229% | 6,335 |
| Assets per employee ($millions) | 4.3000% | 3,173 |
| Cash dividends to net income (ytd only)* | 16.4509% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6982% | 2,783 |
| Loan loss allowance to noncurrent loans | 127.7906% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 2,374 |
| Noncurrent loans to loans | 1.3289% | 3,334 |
| Net loans and leases to total assets | 72.5209% | 1,478 |
| Net loans and leases to deposits | 83.4102% | 1,880 |
| Net loans and leases to core deposits | 101.0181% | 1,003 |
| Total domestic deposits to total assets | 86.9449% | 2,850 |
| Equity capital to assets | 11.1646% | 2,593 |
| Core capital (leverage) ratio | 11.2757% | 2,106 |
| Tier 1 risk-based capital ratio | 16.5903% | 2,896 |
| Total risk-based capital ratio | 17.8478% | 2,849 |
| Memoranda: | ||
| Average total assets | $1,279,278,000 | 514 |
| Average earning assets | $1,193,264,670 | 501 |
| Average equity | $140,692,670 | 525 |
| Average total loans | $937,467,330 | 452 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 2,550 |
| Cost of funding earning assets | 0.5364% | 3,714 |
| Net interest margin | 3.8555% | 2,260 |
| Noninterest income to average assets | 1.4843% | 702 |
| Noninterest expense to average assets | 2.4754% | 4,843 |
| Loan and lease loss provision to assets | 0.4702% | 585 |
| Net operating income to assets | 1.4661% | 921 |
| Return on assets (ROA) | 1.4661% | 1,003 |
| Pretax return on assets | 2.1460% | 456 |
| Return on Equity (ROE) | 13.4332% | 1,071 |
| Retained earnings to average equity (ytd only) | 13.4332% | 503 |
| Net charge-offs to loans | 0.2447% | 1,986 |
| Credit loss provision to net charge-offs | 263.1579% | 885 |
| Earnings coverage of net charge-offs (x) | 14.6421% | 1,444 |
| Efficiency ratio | 48.3839% | 6,596 |
| Assets per employee ($millions) | 4.3108% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 2,411 |
| Loan loss allowance to noncurrent loans | 108.1586% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.9907% | 2,360 |
| Noncurrent loans to loans | 1.7226% | 2,963 |
| Net loans and leases to total assets | 71.7442% | 1,396 |
| Net loans and leases to deposits | 82.2108% | 1,797 |
| Net loans and leases to core deposits | 99.5924% | 974 |
| Total domestic deposits to total assets | 87.2686% | 2,777 |
| Equity capital to assets | 11.1005% | 2,847 |
| Core capital (leverage) ratio | 10.9990% | 2,267 |
| Tier 1 risk-based capital ratio | 16.9469% | 2,773 |
| Total risk-based capital ratio | 18.2074% | 2,744 |
| Memoranda: | ||
| Average total assets | $1,276,061,500 | 520 |
| Average earning assets | $1,193,918,500 | 501 |
| Average equity | $139,267,000 | 533 |
| Average total loans | $931,942,500 | 451 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 2,941 |
| Cost of funding earning assets | 0.6781% | 3,662 |
| Net interest margin | 3.9363% | 2,665 |
| Noninterest income to average assets | 1.1589% | 1,163 |
| Noninterest expense to average assets | 2.4302% | 5,318 |
| Loan and lease loss provision to assets | 0.4211% | 1,515 |
| Net operating income to assets | 1.3375% | 1,218 |
| Return on assets (ROA) | 1.3376% | 1,342 |
| Pretax return on assets | 1.9932% | 611 |
| Return on Equity (ROE) | 12.7279% | 1,305 |
| Retained earnings to average equity (ytd only) | 9.0473% | 806 |
| Net charge-offs to loans | 0.7491% | 1,564 |
| Credit loss provision to net charge-offs | 75.9139% | 3,976 |
| Earnings coverage of net charge-offs (x) | 4.3521% | 3,401 |
| Efficiency ratio | 49.9148% | 6,594 |
| Assets per employee ($millions) | 4.4310% | 3,090 |
| Cash dividends to net income (ytd only)* | 28.9173% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 2,706 |
| Loan loss allowance to noncurrent loans | 97.9692% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 2.1162% | 2,316 |
| Noncurrent loans to loans | 1.8034% | 2,913 |
| Net loans and leases to total assets | 71.6701% | 1,537 |
| Net loans and leases to deposits | 81.3189% | 2,105 |
| Net loans and leases to core deposits | 98.7720% | 1,090 |
| Total domestic deposits to total assets | 88.1347% | 2,142 |
| Equity capital to assets | 10.7271% | 3,246 |
| Core capital (leverage) ratio | 10.7261% | 2,517 |
| Tier 1 risk-based capital ratio | 16.3253% | 2,983 |
| Total risk-based capital ratio | 17.5842% | 2,935 |
| Memoranda: | ||
| Average total assets | $1,247,697,200 | 528 |
| Average earning assets | $1,168,170,000 | 509 |
| Average equity | $131,121,400 | 549 |
| Average total loans | $923,879,000 | 448 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6714% | 2,921 |
| Cost of funding earning assets | 0.7063% | 3,709 |
| Net interest margin | 3.9651% | 2,649 |
| Noninterest income to average assets | 1.1739% | 1,098 |
| Noninterest expense to average assets | 2.4294% | 5,308 |
| Loan and lease loss provision to assets | 0.4241% | 1,497 |
| Net operating income to assets | 1.3609% | 1,305 |
| Return on assets (ROA) | 1.3609% | 1,441 |
| Pretax return on assets | 2.0346% | 658 |
| Return on Equity (ROE) | 13.0196% | 1,330 |
| Retained earnings to average equity (ytd only) | 9.8806% | 947 |
| Net charge-offs to loans | 0.7909% | 1,396 |
| Credit loss provision to net charge-offs | 72.1389% | 3,848 |
| Earnings coverage of net charge-offs (x) | 4.1823% | 3,374 |
| Efficiency ratio | 49.4503% | 6,628 |
| Assets per employee ($millions) | 4.3945% | 3,081 |
| Cash dividends to net income (ytd only)* | 24.1096% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8078% | 2,772 |
| Loan loss allowance to noncurrent loans | 109.3443% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.9180% | 2,759 |
| Noncurrent loans to loans | 1.6533% | 3,313 |
| Net loans and leases to total assets | 72.4714% | 1,470 |
| Net loans and leases to deposits | 82.5161% | 2,053 |
| Net loans and leases to core deposits | 97.2691% | 1,316 |
| Total domestic deposits to total assets | 87.8270% | 2,154 |
| Equity capital to assets | 10.8319% | 3,462 |
| Core capital (leverage) ratio | 10.8569% | 2,540 |
| Tier 1 risk-based capital ratio | 16.6034% | 2,939 |
| Total risk-based capital ratio | 17.8634% | 2,905 |
| Memoranda: | ||
| Average total assets | $1,240,587,500 | 532 |
| Average earning assets | $1,162,087,000 | 515 |
| Average equity | $129,678,500 | 559 |
| Average total loans | $922,084,250 | 449 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 2,884 |
| Cost of funding earning assets | 0.7309% | 3,764 |
| Net interest margin | 3.9759% | 2,609 |
| Noninterest income to average assets | 1.1501% | 1,072 |
| Noninterest expense to average assets | 2.4036% | 5,451 |
| Loan and lease loss provision to assets | 0.3903% | 1,683 |
| Net operating income to assets | 1.4194% | 1,150 |
| Return on assets (ROA) | 1.4194% | 1,285 |
| Pretax return on assets | 2.0809% | 595 |
| Return on Equity (ROE) | 13.7452% | 1,179 |
| Retained earnings to average equity (ytd only) | 10.1343% | 942 |
| Net charge-offs to loans | 0.7632% | 1,443 |
| Credit loss provision to net charge-offs | 68.6436% | 3,599 |
| Earnings coverage of net charge-offs (x) | 4.3462% | 3,114 |
| Efficiency ratio | 49.0550% | 6,708 |
| Assets per employee ($millions) | 4.2813% | 3,283 |
| Cash dividends to net income (ytd only)* | 26.2703% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8466% | 2,715 |
| Loan loss allowance to noncurrent loans | 120.5499% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.7443% | 3,112 |
| Noncurrent loans to loans | 1.5318% | 3,607 |
| Net loans and leases to total assets | 73.5929% | 1,308 |
| Net loans and leases to deposits | 83.7820% | 1,879 |
| Net loans and leases to core deposits | 97.6924% | 1,296 |
| Total domestic deposits to total assets | 87.8386% | 2,255 |
| Equity capital to assets | 10.7021% | 3,454 |
| Core capital (leverage) ratio | 10.5537% | 2,752 |
| Tier 1 risk-based capital ratio | 16.2959% | 3,004 |
| Total risk-based capital ratio | 17.5574% | 2,977 |
| Memoranda: | ||
| Average total assets | $1,239,568,670 | 537 |
| Average earning assets | $1,161,253,330 | 515 |
| Average equity | $128,001,330 | 564 |
| Average total loans | $923,486,000 | 448 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 2,827 |
| Cost of funding earning assets | 0.7600% | 3,788 |
| Net interest margin | 3.9957% | 2,524 |
| Noninterest income to average assets | 0.9857% | 1,463 |
| Noninterest expense to average assets | 2.3830% | 5,531 |
| Loan and lease loss provision to assets | 0.3917% | 1,613 |
| Net operating income to assets | 1.3494% | 1,323 |
| Return on assets (ROA) | 1.3494% | 1,480 |
| Pretax return on assets | 1.9525% | 803 |
| Return on Equity (ROE) | 13.3068% | 1,322 |
| Retained earnings to average equity (ytd only) | 8.3358% | 1,845 |
| Net charge-offs to loans | 0.2790% | 2,553 |
| Credit loss provision to net charge-offs | 188.9922% | 1,394 |
| Earnings coverage of net charge-offs (x) | 11.3116% | 1,681 |
| Efficiency ratio | 50.1529% | 6,666 |
| Assets per employee ($millions) | 4.4235% | 3,144 |
| Cash dividends to net income (ytd only)* | 37.3571% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 2,302 |
| Loan loss allowance to noncurrent loans | 201.3249% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 1.4868% | 3,636 |
| Noncurrent loans to loans | 1.0031% | 4,670 |
| Net loans and leases to total assets | 72.9545% | 1,232 |
| Net loans and leases to deposits | 82.7707% | 1,821 |
| Net loans and leases to core deposits | 98.0330% | 1,124 |
| Total domestic deposits to total assets | 88.1404% | 2,221 |
| Equity capital to assets | 10.2654% | 3,773 |
| Core capital (leverage) ratio | 10.1969% | 3,108 |
| Tier 1 risk-based capital ratio | 15.7475% | 3,323 |
| Total risk-based capital ratio | 17.0108% | 3,280 |
| Memoranda: | ||
| Average total assets | $1,244,981,000 | 535 |
| Average earning assets | $1,165,741,000 | 517 |
| Average equity | $126,251,000 | 567 |
| Average total loans | $924,589,000 | 453 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 2,426 |
| Cost of funding earning assets | 0.8776% | 4,270 |
| Net interest margin | 4.2281% | 1,969 |
| Noninterest income to average assets | 0.7782% | 2,175 |
| Noninterest expense to average assets | 2.4038% | 5,765 |
| Loan and lease loss provision to assets | 0.5780% | 1,790 |
| Net operating income to assets | 1.1775% | 1,578 |
| Return on assets (ROA) | 1.1775% | 1,692 |
| Pretax return on assets | 1.7495% | 897 |
| Return on Equity (ROE) | 12.1037% | 1,379 |
| Retained earnings to average equity (ytd only) | 10.8305% | 428 |
| Net charge-offs to loans | 0.9519% | 1,822 |
| Credit loss provision to net charge-offs | 76.6633% | 4,613 |
| Earnings coverage of net charge-offs (x) | 3.0871% | 3,662 |
| Efficiency ratio | 50.5381% | 6,801 |
| Assets per employee ($millions) | 4.4376% | 3,008 |
| Cash dividends to net income (ytd only)* | 10.5189% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9614% | 2,393 |
| Loan loss allowance to noncurrent loans | 162.2515% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 1.4088% | 3,878 |
| Noncurrent loans to loans | 1.2089% | 4,355 |
| Net loans and leases to total assets | 72.6201% | 1,535 |
| Net loans and leases to deposits | 82.1050% | 2,184 |
| Net loans and leases to core deposits | 98.8412% | 1,274 |
| Total domestic deposits to total assets | 88.4479% | 1,882 |
| Equity capital to assets | 10.0165% | 4,153 |
| Core capital (leverage) ratio | 10.1419% | 3,178 |
| Tier 1 risk-based capital ratio | 15.4573% | 3,357 |
| Total risk-based capital ratio | 16.7198% | 3,302 |
| Memoranda: | ||
| Average total assets | $1,198,085,600 | 545 |
| Average earning assets | $1,120,183,000 | 528 |
| Average equity | $116,559,400 | 592 |
| Average total loans | $948,935,000 | 443 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1713% | 2,307 |
| Cost of funding earning assets | 0.9058% | 4,353 |
| Net interest margin | 4.2655% | 1,849 |
| Noninterest income to average assets | 0.7633% | 2,239 |
| Noninterest expense to average assets | 2.4137% | 5,726 |
| Loan and lease loss provision to assets | 0.7197% | 1,333 |
| Net operating income to assets | 1.1111% | 1,927 |
| Return on assets (ROA) | 1.1111% | 2,067 |
| Pretax return on assets | 1.6150% | 1,347 |
| Return on Equity (ROE) | 11.5098% | 1,687 |
| Retained earnings to average equity (ytd only) | 9.7813% | 912 |
| Net charge-offs to loans | 0.6903% | 2,190 |
| Credit loss provision to net charge-offs | 129.4177% | 2,454 |
| Earnings coverage of net charge-offs (x) | 4.1983% | 3,146 |
| Efficiency ratio | 50.5624% | 6,800 |
| Assets per employee ($millions) | 4.3008% | 3,276 |
| Cash dividends to net income (ytd only)* | 15.0172% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2894% | 1,709 |
| Loan loss allowance to noncurrent loans | 130.6575% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 1.7213% | 3,513 |
| Noncurrent loans to loans | 1.7522% | 3,697 |
| Net loans and leases to total assets | 77.3922% | 787 |
| Net loans and leases to deposits | 87.8206% | 1,454 |
| Net loans and leases to core deposits | 102.8243% | 1,050 |
| Total domestic deposits to total assets | 88.1253% | 1,973 |
| Equity capital to assets | 10.0999% | 4,206 |
| Core capital (leverage) ratio | 10.1000% | 3,307 |
| Tier 1 risk-based capital ratio | 14.5192% | 3,965 |
| Total risk-based capital ratio | 15.7863% | 3,928 |
| Memoranda: | ||
| Average total assets | $1,185,867,750 | 556 |
| Average earning assets | $1,107,900,750 | 534 |
| Average equity | $114,473,750 | 607 |
| Average total loans | $955,254,000 | 442 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 2,385 |
| Cost of funding earning assets | 0.9374% | 4,408 |
| Net interest margin | 4.2305% | 1,918 |
| Noninterest income to average assets | 0.7020% | 2,544 |
| Noninterest expense to average assets | 2.4278% | 5,757 |
| Loan and lease loss provision to assets | 0.7350% | 1,265 |
| Net operating income to assets | 1.0350% | 2,087 |
| Return on assets (ROA) | 1.0350% | 2,183 |
| Pretax return on assets | 1.4904% | 1,562 |
| Return on Equity (ROE) | 10.8916% | 1,835 |
| Retained earnings to average equity (ytd only) | 8.2506% | 1,366 |
| Net charge-offs to loans | 0.7486% | 1,999 |
| Credit loss provision to net charge-offs | 121.1935% | 2,515 |
| Earnings coverage of net charge-offs (x) | 3.6695% | 3,083 |
| Efficiency ratio | 51.8990% | 6,793 |
| Assets per employee ($millions) | 4.1820% | 3,389 |
| Cash dividends to net income (ytd only)* | 24.2484% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1878% | 1,948 |
| Loan loss allowance to noncurrent loans | 100.4692% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 2.0032% | 3,229 |
| Noncurrent loans to loans | 2.1776% | 3,247 |
| Net loans and leases to total assets | 79.2706% | 615 |
| Net loans and leases to deposits | 91.1277% | 1,145 |
| Net loans and leases to core deposits | 108.1088% | 810 |
| Total domestic deposits to total assets | 86.9884% | 2,743 |
| Equity capital to assets | 9.8855% | 4,289 |
| Core capital (leverage) ratio | 9.8473% | 3,460 |
| Tier 1 risk-based capital ratio | 13.7714% | 4,324 |
| Total risk-based capital ratio | 15.0368% | 4,289 |
| Memoranda: | ||
| Average total assets | $1,182,619,670 | 565 |
| Average earning assets | $1,104,543,670 | 542 |
| Average equity | $112,379,670 | 621 |
| Average total loans | $958,008,670 | 448 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1318% | 2,504 |
| Cost of funding earning assets | 0.9765% | 4,381 |
| Net interest margin | 4.1554% | 2,059 |
| Noninterest income to average assets | 0.7782% | 2,121 |
| Noninterest expense to average assets | 2.4183% | 5,831 |
| Loan and lease loss provision to assets | 0.7745% | 1,102 |
| Net operating income to assets | 1.0158% | 2,130 |
| Return on assets (ROA) | 1.0158% | 2,178 |
| Pretax return on assets | 1.4675% | 1,546 |
| Return on Equity (ROE) | 10.9093% | 1,771 |
| Retained earnings to average equity (ytd only) | 5.5164% | 2,904 |
| Net charge-offs to loans | 1.2417% | 1,122 |
| Credit loss provision to net charge-offs | 77.0188% | 3,214 |
| Earnings coverage of net charge-offs (x) | 2.2295% | 3,207 |
| Efficiency ratio | 51.6155% | 6,884 |
| Assets per employee ($millions) | 4.2608% | 3,316 |
| Cash dividends to net income (ytd only)* | 49.4337% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 2,290 |
| Loan loss allowance to noncurrent loans | 91.8198% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 2.4972% | 2,736 |
| Noncurrent loans to loans | 2.2335% | 3,278 |
| Net loans and leases to total assets | 78.2338% | 701 |
| Net loans and leases to deposits | 90.2598% | 1,205 |
| Net loans and leases to core deposits | 106.3603% | 921 |
| Total domestic deposits to total assets | 86.6763% | 3,133 |
| Equity capital to assets | 9.2947% | 4,736 |
| Core capital (leverage) ratio | 9.3298% | 4,080 |
| Tier 1 risk-based capital ratio | 12.8965% | 4,903 |
| Total risk-based capital ratio | 14.1588% | 4,877 |
| Memoranda: | ||
| Average total assets | $1,182,171,500 | 568 |
| Average earning assets | $1,104,401,000 | 541 |
| Average equity | $110,071,000 | 629 |
| Average total loans | $957,430,500 | 455 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4256% | 2,559 |
| Cost of funding earning assets | 1.2620% | 4,130 |
| Net interest margin | 4.1636% | 2,315 |
| Noninterest income to average assets | 1.0074% | 1,480 |
| Noninterest expense to average assets | 2.3807% | 6,136 |
| Loan and lease loss provision to assets | 0.8852% | 1,849 |
| Net operating income to assets | 1.1217% | 1,635 |
| Return on assets (ROA) | 1.1217% | 1,718 |
| Pretax return on assets | 1.6460% | 1,043 |
| Return on Equity (ROE) | 12.3143% | 1,252 |
| Retained earnings to average equity (ytd only) | 8.1794% | 923 |
| Net charge-offs to loans | 0.4138% | 3,972 |
| Credit loss provision to net charge-offs | 255.9369% | 1,109 |
| Earnings coverage of net charge-offs (x) | 7.3184% | 2,156 |
| Efficiency ratio | 48.2000% | 7,256 |
| Assets per employee ($millions) | 4.1684% | 3,440 |
| Cash dividends to net income (ytd only)* | 33.5779% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 2,065 |
| Loan loss allowance to noncurrent loans | 88.9128% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 2.3405% | 2,929 |
| Noncurrent loans to loans | 2.3646% | 3,155 |
| Net loans and leases to total assets | 80.4005% | 614 |
| Net loans and leases to deposits | 93.4222% | 1,110 |
| Net loans and leases to core deposits | 111.0532% | 866 |
| Total domestic deposits to total assets | 86.0615% | 3,326 |
| Equity capital to assets | 9.3275% | 4,649 |
| Core capital (leverage) ratio | 9.3539% | 3,921 |
| Tier 1 risk-based capital ratio | 12.3332% | 5,179 |
| Total risk-based capital ratio | 13.5964% | 5,139 |
| Memoranda: | ||
| Average total assets | $1,154,190,600 | 577 |
| Average earning assets | $1,082,378,400 | 558 |
| Average equity | $105,129,600 | 645 |
| Average total loans | $964,697,200 | 461 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 2,537 |
| Cost of funding earning assets | 1.3225% | 4,091 |
| Net interest margin | 4.1529% | 2,396 |
| Noninterest income to average assets | 0.9685% | 1,558 |
| Noninterest expense to average assets | 2.3657% | 6,132 |
| Loan and lease loss provision to assets | 0.8078% | 1,878 |
| Net operating income to assets | 1.1359% | 1,781 |
| Return on assets (ROA) | 1.1359% | 1,891 |
| Pretax return on assets | 1.6930% | 1,126 |
| Return on Equity (ROE) | 12.5481% | 1,374 |
| Retained earnings to average equity (ytd only) | 6.9932% | 1,851 |
| Net charge-offs to loans | 0.2447% | 4,474 |
| Credit loss provision to net charge-offs | 393.1716% | 775 |
| Earnings coverage of net charge-offs (x) | 12.1715% | 1,715 |
| Efficiency ratio | 48.3405% | 7,250 |
| Assets per employee ($millions) | 4.0439% | 3,747 |
| Cash dividends to net income (ytd only)* | 44.2686% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9727% | 2,295 |
| Loan loss allowance to noncurrent loans | 153.2046% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 1.3783% | 4,411 |
| Noncurrent loans to loans | 1.2876% | 4,705 |
| Net loans and leases to total assets | 83.3453% | 375 |
| Net loans and leases to deposits | 97.8587% | 802 |
| Net loans and leases to core deposits | 111.5487% | 953 |
| Total domestic deposits to total assets | 85.1691% | 3,534 |
| Equity capital to assets | 9.2884% | 5,163 |
| Core capital (leverage) ratio | 8.9979% | 4,696 |
| Tier 1 risk-based capital ratio | 11.8191% | 5,622 |
| Total risk-based capital ratio | 13.0803% | 5,590 |
| Memoranda: | ||
| Average total assets | $1,149,909,750 | 576 |
| Average earning assets | $1,079,317,750 | 556 |
| Average equity | $104,098,500 | 638 |
| Average total loans | $965,379,750 | 463 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4627% | 2,690 |
| Cost of funding earning assets | 1.3688% | 4,069 |
| Net interest margin | 4.0939% | 2,587 |
| Noninterest income to average assets | 0.9243% | 1,603 |
| Noninterest expense to average assets | 2.3509% | 6,218 |
| Loan and lease loss provision to assets | 0.7293% | 1,996 |
| Net operating income to assets | 1.1529% | 1,689 |
| Return on assets (ROA) | 1.1529% | 1,749 |
| Pretax return on assets | 1.6905% | 1,069 |
| Return on Equity (ROE) | 12.8457% | 1,277 |
| Retained earnings to average equity (ytd only) | 9.8718% | 872 |
| Net charge-offs to loans | 0.2561% | 4,068 |
| Credit loss provision to net charge-offs | 340.6326% | 1,070 |
| Earnings coverage of net charge-offs (x) | 11.3017% | 1,779 |
| Efficiency ratio | 49.0008% | 7,287 |
| Assets per employee ($millions) | 4.1817% | 3,424 |
| Cash dividends to net income (ytd only)* | 23.1511% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 2,851 |
| Loan loss allowance to noncurrent loans | 109.4433% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 1.4584% | 4,275 |
| Noncurrent loans to loans | 1.6085% | 4,302 |
| Net loans and leases to total assets | 80.0104% | 798 |
| Net loans and leases to deposits | 93.4356% | 1,349 |
| Net loans and leases to core deposits | 108.5487% | 1,260 |
| Total domestic deposits to total assets | 85.6316% | 3,297 |
| Equity capital to assets | 8.9521% | 5,519 |
| Core capital (leverage) ratio | 8.9755% | 4,642 |
| Tier 1 risk-based capital ratio | 11.8001% | 5,492 |
| Total risk-based capital ratio | 13.0583% | 5,449 |
| Memoranda: | ||
| Average total assets | $1,151,738,000 | 576 |
| Average earning assets | $1,082,110,000 | 557 |
| Average equity | $103,365,000 | 639 |
| Average total loans | $962,833,000 | 465 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 2,427 |
| Cost of funding earning assets | 1.4505% | 3,876 |
| Net interest margin | 4.0853% | 2,507 |
| Noninterest income to average assets | 0.9170% | 1,568 |
| Noninterest expense to average assets | 2.3882% | 6,132 |
| Loan and lease loss provision to assets | 0.3169% | 3,517 |
| Net operating income to assets | 1.4093% | 1,054 |
| Return on assets (ROA) | 1.4093% | 1,124 |
| Pretax return on assets | 2.0491% | 556 |
| Return on Equity (ROE) | 15.6823% | 766 |
| Retained earnings to average equity (ytd only) | 9.9258% | 1,156 |
| Net charge-offs to loans | 0.3275% | 3,096 |
| Credit loss provision to net charge-offs | 114.2132% | 3,044 |
| Earnings coverage of net charge-offs (x) | 8.5266% | 1,951 |
| Efficiency ratio | 49.9519% | 7,320 |
| Assets per employee ($millions) | 4.1974% | 3,466 |
| Cash dividends to net income (ytd only)* | 36.7066% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 4,075 |
| Loan loss allowance to noncurrent loans | 92.0248% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.5148% | 4,230 |
| Noncurrent loans to loans | 1.5966% | 4,348 |
| Net loans and leases to total assets | 82.8924% | 481 |
| Net loans and leases to deposits | 97.1375% | 985 |
| Net loans and leases to core deposits | 110.1483% | 1,259 |
| Total domestic deposits to total assets | 85.3351% | 3,492 |
| Equity capital to assets | 9.0514% | 5,205 |
| Core capital (leverage) ratio | 8.9956% | 4,581 |
| Tier 1 risk-based capital ratio | 11.3798% | 5,785 |
| Total risk-based capital ratio | 12.6338% | 5,752 |
| Memoranda: | ||
| Average total assets | $1,135,894,500 | 597 |
| Average earning assets | $1,066,937,500 | 578 |
| Average equity | $102,077,000 | 653 |
| Average total loans | $962,334,500 | 486 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7816% | 2,735 |
| Cost of funding earning assets | 1.8201% | 3,882 |
| Net interest margin | 3.9615% | 3,020 |
| Noninterest income to average assets | 1.1653% | 1,134 |
| Noninterest expense to average assets | 2.4792% | 6,208 |
| Loan and lease loss provision to assets | 0.6320% | 3,277 |
| Net operating income to assets | 1.1734% | 1,318 |
| Return on assets (ROA) | 1.1736% | 1,360 |
| Pretax return on assets | 1.7586% | 692 |
| Return on Equity (ROE) | 12.7602% | 1,012 |
| Retained earnings to average equity (ytd only) | 9.6738% | 403 |
| Net charge-offs to loans | 0.1011% | 6,120 |
| Credit loss provision to net charge-offs | 710.7411% | 408 |
| Earnings coverage of net charge-offs (x) | 26.8797% | 841 |
| Efficiency ratio | 50.6140% | 7,500 |
| Assets per employee ($millions) | 4.0651% | 3,681 |
| Cash dividends to net income (ytd only)* | 24.1882% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 3,962 |
| Loan loss allowance to noncurrent loans | 101.4713% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 1.3807% | 4,351 |
| Noncurrent loans to loans | 1.4310% | 4,531 |
| Net loans and leases to total assets | 84.0796% | 423 |
| Net loans and leases to deposits | 100.4345% | 867 |
| Net loans and leases to core deposits | 131.3993% | 1,202 |
| Total domestic deposits to total assets | 83.7158% | 4,170 |
| Equity capital to assets | 8.9209% | 5,259 |
| Core capital (leverage) ratio | 8.9413% | 4,520 |
| Tier 1 risk-based capital ratio | 11.0686% | 5,855 |
| Total risk-based capital ratio | 12.3225% | 5,813 |
| Memoranda: | ||
| Average total assets | $1,046,923,600 | 643 |
| Average earning assets | $978,923,400 | 616 |
| Average equity | $96,291,400 | 682 |
| Average total loans | $921,254,000 | 519 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8278% | 2,764 |
| Cost of funding earning assets | 1.8650% | 4,077 |
| Net interest margin | 3.9627% | 2,981 |
| Noninterest income to average assets | 1.1885% | 1,102 |
| Noninterest expense to average assets | 2.5236% | 6,001 |
| Loan and lease loss provision to assets | 0.3630% | 4,145 |
| Net operating income to assets | 1.3014% | 1,207 |
| Return on assets (ROA) | 1.3017% | 1,286 |
| Pretax return on assets | 2.0026% | 536 |
| Return on Equity (ROE) | 14.0362% | 921 |
| Retained earnings to average equity (ytd only) | 9.9815% | 638 |
| Net charge-offs to loans | 0.1135% | 5,545 |
| Credit loss provision to net charge-offs | 360.5161% | 1,132 |
| Earnings coverage of net charge-offs (x) | 23.4877% | 1,118 |
| Efficiency ratio | 51.3169% | 7,462 |
| Assets per employee ($millions) | 3.9272% | 3,879 |
| Cash dividends to net income (ytd only)* | 28.8880% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 5,789 |
| Loan loss allowance to noncurrent loans | 180.6784% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 5,339 |
| Noncurrent loans to loans | 0.6034% | 6,100 |
| Net loans and leases to total assets | 86.7980% | 287 |
| Net loans and leases to deposits | 104.1816% | 755 |
| Net loans and leases to core deposits | 139.1231% | 959 |
| Total domestic deposits to total assets | 83.3142% | 4,059 |
| Equity capital to assets | 9.1343% | 5,279 |
| Core capital (leverage) ratio | 9.3053% | 4,182 |
| Tier 1 risk-based capital ratio | 11.0988% | 5,855 |
| Total risk-based capital ratio | 12.2826% | 5,882 |
| Memoranda: | ||
| Average total assets | $1,026,131,750 | 666 |
| Average earning assets | $958,172,000 | 642 |
| Average equity | $95,160,750 | 691 |
| Average total loans | $910,523,500 | 534 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 2,923 |
| Cost of funding earning assets | 1.9168% | 4,182 |
| Net interest margin | 3.9094% | 3,067 |
| Noninterest income to average assets | 1.2571% | 966 |
| Noninterest expense to average assets | 2.6035% | 5,728 |
| Loan and lease loss provision to assets | 0.1881% | 5,153 |
| Net operating income to assets | 1.4122% | 1,001 |
| Return on assets (ROA) | 1.4126% | 1,065 |
| Pretax return on assets | 2.1119% | 422 |
| Return on Equity (ROE) | 15.1514% | 806 |
| Retained earnings to average equity (ytd only) | 12.1194% | 425 |
| Net charge-offs to loans | 0.1076% | 5,085 |
| Credit loss provision to net charge-offs | 196.2733% | 2,324 |
| Earnings coverage of net charge-offs (x) | 23.9979% | 1,169 |
| Efficiency ratio | 52.7938% | 7,454 |
| Assets per employee ($millions) | 3.6156% | 4,534 |
| Cash dividends to net income (ytd only)* | 20.0112% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 6,543 |
| Loan loss allowance to noncurrent loans | 83.9453% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.4047% | 4,149 |
| Noncurrent loans to loans | 1.1339% | 4,948 |
| Net loans and leases to total assets | 88.9646% | 189 |
| Net loans and leases to deposits | 107.5905% | 672 |
| Net loans and leases to core deposits | 140.5663% | 986 |
| Total domestic deposits to total assets | 82.6881% | 4,385 |
| Equity capital to assets | 9.4647% | 4,653 |
| Core capital (leverage) ratio | 9.3617% | 4,082 |
| Tier 1 risk-based capital ratio | 11.2531% | 5,641 |
| Total risk-based capital ratio | 12.2886% | 5,759 |
| Memoranda: | ||
| Average total assets | $1,008,180,000 | 688 |
| Average earning assets | $940,202,330 | 667 |
| Average equity | $93,998,000 | 705 |
| Average total loans | $898,118,000 | 556 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7819% | 3,395 |
| Cost of funding earning assets | 1.9810% | 4,230 |
| Net interest margin | 3.8009% | 3,437 |
| Noninterest income to average assets | 1.1273% | 1,160 |
| Noninterest expense to average assets | 2.5910% | 5,494 |
| Loan and lease loss provision to assets | 0.1482% | 5,041 |
| Net operating income to assets | 1.2888% | 1,405 |
| Return on assets (ROA) | 1.2891% | 1,503 |
| Pretax return on assets | 1.9322% | 750 |
| Return on Equity (ROE) | 13.9344% | 1,180 |
| Retained earnings to average equity (ytd only) | 8.2204% | 1,735 |
| Net charge-offs to loans | 0.0912% | 4,261 |
| Credit loss provision to net charge-offs | 183.1683% | 2,373 |
| Earnings coverage of net charge-offs (x) | 25.7129% | 1,197 |
| Efficiency ratio | 55.1440% | 7,086 |
| Assets per employee ($millions) | 3.6334% | 4,500 |
| Cash dividends to net income (ytd only)* | 41.0065% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 6,500 |
| Loan loss allowance to noncurrent loans | 258.2040% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 5,709 |
| Noncurrent loans to loans | 0.3673% | 6,506 |
| Net loans and leases to total assets | 88.6592% | 216 |
| Net loans and leases to deposits | 107.5583% | 754 |
| Net loans and leases to core deposits | 138.7788% | 1,162 |
| Total domestic deposits to total assets | 82.4290% | 4,397 |
| Equity capital to assets | 9.3462% | 4,869 |
| Core capital (leverage) ratio | 9.2930% | 4,256 |
| Tier 1 risk-based capital ratio | 11.0660% | 5,843 |
| Total risk-based capital ratio | 12.0910% | 5,956 |
| Memoranda: | ||
| Average total assets | $998,860,500 | 686 |
| Average earning assets | $931,256,500 | 676 |
| Average equity | $92,404,500 | 717 |
| Average total loans | $886,035,000 | 570 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4130% | 3,346 |
| Cost of funding earning assets | 2.5623% | 3,890 |
| Net interest margin | 3.8507% | 3,792 |
| Noninterest income to average assets | 1.0520% | 1,416 |
| Noninterest expense to average assets | 2.5871% | 5,698 |
| Loan and lease loss provision to assets | 0.0761% | 6,449 |
| Net operating income to assets | 1.3149% | 1,444 |
| Return on assets (ROA) | 1.3155% | 1,397 |
| Pretax return on assets | 1.9272% | 727 |
| Return on Equity (ROE) | 14.6803% | 976 |
| Retained earnings to average equity (ytd only) | 11.4470% | 277 |
| Net charge-offs to loans | 0.0188% | 6,602 |
| Credit loss provision to net charge-offs | 463.2911% | 950 |
| Earnings coverage of net charge-offs (x) | 121.9051% | 375 |
| Efficiency ratio | 56.0255% | 7,009 |
| Assets per employee ($millions) | 3.5919% | 4,432 |
| Cash dividends to net income (ytd only)* | 22.0247% | 4,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 6,410 |
| Loan loss allowance to noncurrent loans | 370.6643% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 5,965 |
| Noncurrent loans to loans | 0.2555% | 6,616 |
| Net loans and leases to total assets | 87.0679% | 468 |
| Net loans and leases to deposits | 105.6948% | 1,151 |
| Net loans and leases to core deposits | 131.4677% | 1,757 |
| Total domestic deposits to total assets | 82.3767% | 4,050 |
| Equity capital to assets | 9.1557% | 5,144 |
| Core capital (leverage) ratio | 9.2126% | 4,423 |
| Tier 1 risk-based capital ratio | 10.9295% | 5,791 |
| Total risk-based capital ratio | 11.9434% | 5,918 |
| Memoranda: | ||
| Average total assets | $961,902,000 | 686 |
| Average earning assets | $883,654,600 | 681 |
| Average equity | $86,197,400 | 776 |
| Average total loans | $840,962,800 | 573 |