Home > The First Bank > Performance and Condition Ratios
The First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 1,929 |
| Cost of funding earning assets | 1.2437% | 2,674 |
| Net interest margin | 3.8256% | 1,526 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.3091% | 2,831 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.1736% | 1,712 |
| Return on assets (ROA) | 1.0730% | 1,968 |
| Pretax return on assets | 1.3787% | 1,684 |
| Return on Equity (ROE) | 8.4200% | 2,912 |
| Retained earnings to average equity (ytd only) | 1.7409% | 3,645 |
| Net charge-offs to loans | 0.0377% | 1,556 |
| Credit loss provision to net charge-offs | 759.2490% | 497 |
| Earnings coverage of net charge-offs (x) | 71.5240% | 1,085 |
| Efficiency ratio | 54.5286% | 3,640 |
| Assets per employee ($millions) | 7.4122% | 1,796 |
| Cash dividends to net income (ytd only)* | 79.3167% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 3,092 |
| Loan loss allowance to noncurrent loans | 455.8124% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 1,949 |
| Noncurrent loans to loans | 0.2292% | 2,405 |
| Net loans and leases to total assets | 64.0600% | 2,455 |
| Net loans and leases to deposits | 79.0393% | 2,182 |
| Net loans and leases to core deposits | 83.8472% | 2,464 |
| Total domestic deposits to total assets | 81.0500% | 3,302 |
| Equity capital to assets | 13.1961% | 823 |
| Core capital (leverage) ratio | 10.7301% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7480% | 1,610 |
| Memoranda: | ||
| Average total assets | $7,637,551,200 | 200 |
| Average earning assets | $6,724,727,400 | 201 |
| Average equity | $973,641,400 | 168 |
| Average total loans | $4,807,738,400 | 209 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 1,750 |
| Cost of funding earning assets | 1.0874% | 2,779 |
| Net interest margin | 3.9543% | 1,288 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.3584% | 2,633 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.2146% | 1,759 |
| Return on assets (ROA) | 1.2139% | 1,743 |
| Pretax return on assets | 1.5582% | 1,449 |
| Return on Equity (ROE) | 9.6100% | 2,763 |
| Retained earnings to average equity (ytd only) | 1.7807% | 3,774 |
| Net charge-offs to loans | 0.0291% | 1,491 |
| Credit loss provision to net charge-offs | 1,215.9533% | 358 |
| Earnings coverage of net charge-offs (x) | 98.7558% | 923 |
| Efficiency ratio | 53.7559% | 3,604 |
| Assets per employee ($millions) | 7.3326% | 1,738 |
| Cash dividends to net income (ytd only)* | 81.4735% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,111 |
| Loan loss allowance to noncurrent loans | 306.5061% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 1,864 |
| Noncurrent loans to loans | 0.3430% | 2,002 |
| Net loans and leases to total assets | 64.0300% | 2,446 |
| Net loans and leases to deposits | 77.6340% | 2,278 |
| Net loans and leases to core deposits | 82.2038% | 2,453 |
| Total domestic deposits to total assets | 82.4700% | 3,129 |
| Equity capital to assets | 12.7313% | 866 |
| Core capital (leverage) ratio | 10.7023% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7525% | 1,648 |
| Memoranda: | ||
| Average total assets | $7,549,348,500 | 202 |
| Average earning assets | $6,669,215,250 | 203 |
| Average equity | $953,446,750 | 172 |
| Average total loans | $4,716,434,000 | 215 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0565% | 1,448 |
| Cost of funding earning assets | 0.9493% | 2,774 |
| Net interest margin | 4.1072% | 1,076 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.3468% | 2,662 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 1.2557% | 1,680 |
| Return on assets (ROA) | 1.2547% | 1,675 |
| Pretax return on assets | 1.6131% | 1,383 |
| Return on Equity (ROE) | 9.9600% | 2,712 |
| Retained earnings to average equity (ytd only) | -1.9894% | 4,289 |
| Net charge-offs to loans | 0.0426% | 1,083 |
| Credit loss provision to net charge-offs | 1,175.8691% | 367 |
| Earnings coverage of net charge-offs (x) | 73.9397% | 1,088 |
| Efficiency ratio | 51.6949% | 3,796 |
| Assets per employee ($millions) | 7.4632% | 1,624 |
| Cash dividends to net income (ytd only)* | 119.9683% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,203 |
| Loan loss allowance to noncurrent loans | 328.0788% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 1,825 |
| Noncurrent loans to loans | 0.3196% | 1,997 |
| Net loans and leases to total assets | 63.2400% | 2,460 |
| Net loans and leases to deposits | 76.2625% | 2,287 |
| Net loans and leases to core deposits | 78.6611% | 2,571 |
| Total domestic deposits to total assets | 82.9200% | 3,066 |
| Equity capital to assets | 12.7429% | 877 |
| Core capital (leverage) ratio | 10.3107% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1151% | 1,845 |
| Memoranda: | ||
| Average total assets | $7,440,745,000 | 198 |
| Average earning assets | $6,586,138,333 | 199 |
| Average equity | $937,058,333 | 171 |
| Average total loans | $4,589,992,000 | 214 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0039% | 1,220 |
| Cost of funding earning assets | 0.8246% | 2,632 |
| Net interest margin | 4.1794% | 984 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.3452% | 2,688 |
| Loan and lease loss provision to assets | 0.6100% | 117 |
| Net operating income to assets | 1.1230% | 2,153 |
| Return on assets (ROA) | 1.1230% | 2,118 |
| Pretax return on assets | 1.4525% | 1,762 |
| Return on Equity (ROE) | 8.9800% | 3,054 |
| Retained earnings to average equity (ytd only) | 4.1151% | 3,243 |
| Net charge-offs to loans | 0.0130% | 1,471 |
| Credit loss provision to net charge-offs | 7,394.3662% | 61 |
| Earnings coverage of net charge-offs (x) | 262.4859% | 410 |
| Efficiency ratio | 50.2158% | 3,914 |
| Assets per employee ($millions) | 7.3529% | 1,709 |
| Cash dividends to net income (ytd only)* | 54.1498% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,272 |
| Loan loss allowance to noncurrent loans | 301.6795% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 1,747 |
| Noncurrent loans to loans | 0.3495% | 1,892 |
| Net loans and leases to total assets | 61.4600% | 2,517 |
| Net loans and leases to deposits | 73.7139% | 2,317 |
| Net loans and leases to core deposits | 76.1499% | 2,519 |
| Total domestic deposits to total assets | 83.3800% | 3,226 |
| Equity capital to assets | 12.9081% | 776 |
| Core capital (leverage) ratio | 10.2786% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4671% | 1,802 |
| Memoranda: | ||
| Average total assets | $7,235,454,500 | 209 |
| Average earning assets | $6,421,332,000 | 207 |
| Average equity | $905,344,000 | 178 |
| Average total loans | $4,376,224,500 | 224 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5762% | 2,863 |
| Cost of funding earning assets | 0.2692% | 3,162 |
| Net interest margin | 3.3070% | 2,548 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 1.9555% | 3,694 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1643% | 1,916 |
| Return on assets (ROA) | 1.1632% | 1,854 |
| Pretax return on assets | 1.4683% | 1,543 |
| Return on Equity (ROE) | 9.7700% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.6192% | 1,982 |
| Net charge-offs to loans | -0.0459% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.5073% | 3,832 |
| Assets per employee ($millions) | 7.4294% | 1,667 |
| Cash dividends to net income (ytd only)* | 22.0480% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,204 |
| Loan loss allowance to noncurrent loans | 302.1506% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 1,785 |
| Noncurrent loans to loans | 0.3409% | 1,928 |
| Net loans and leases to total assets | 57.8600% | 2,833 |
| Net loans and leases to deposits | 67.8667% | 2,737 |
| Net loans and leases to core deposits | 70.9655% | 2,801 |
| Total domestic deposits to total assets | 85.2500% | 2,923 |
| Equity capital to assets | 12.0227% | 927 |
| Core capital (leverage) ratio | 11.0736% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4327% | 1,256 |
| Memoranda: | ||
| Average total assets | $6,238,635,400 | 229 |
| Average earning assets | $5,602,973,400 | 233 |
| Average equity | $742,450,200 | 206 |
| Average total loans | $3,315,506,000 | 260 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4147% | 2,875 |
| Cost of funding earning assets | 0.1685% | 3,642 |
| Net interest margin | 3.2462% | 2,472 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.9114% | 3,727 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.1564% | 1,873 |
| Return on assets (ROA) | 1.1550% | 1,850 |
| Pretax return on assets | 1.4593% | 1,529 |
| Return on Equity (ROE) | 9.7300% | 2,808 |
| Retained earnings to average equity (ytd only) | 7.7327% | 2,105 |
| Net charge-offs to loans | -0.0650% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.8751% | 3,928 |
| Assets per employee ($millions) | 7.3052% | 1,744 |
| Cash dividends to net income (ytd only)* | 20.5389% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,345 |
| Loan loss allowance to noncurrent loans | 233.6643% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 1,308 |
| Noncurrent loans to loans | 0.4411% | 1,700 |
| Net loans and leases to total assets | 57.1600% | 2,781 |
| Net loans and leases to deposits | 66.2756% | 2,695 |
| Net loans and leases to core deposits | 67.6178% | 2,833 |
| Total domestic deposits to total assets | 86.2500% | 3,004 |
| Equity capital to assets | 11.6407% | 959 |
| Core capital (leverage) ratio | 10.5567% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3943% | 1,314 |
| Memoranda: | ||
| Average total assets | $6,182,390,000 | 233 |
| Average earning assets | $5,562,115,000 | 236 |
| Average equity | $733,787,500 | 205 |
| Average total loans | $3,199,732,500 | 267 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2214% | 2,983 |
| Cost of funding earning assets | 0.1523% | 3,539 |
| Net interest margin | 3.0691% | 2,654 |
| Noninterest income to average assets | 0.5534% | 1,933 |
| Noninterest expense to average assets | 1.8446% | 3,848 |
| Loan and lease loss provision to assets | 0.0197% | 2,247 |
| Net operating income to assets | 1.1679% | 1,546 |
| Return on assets (ROA) | 1.1657% | 1,529 |
| Pretax return on assets | 1.4555% | 1,295 |
| Return on Equity (ROE) | 9.7555% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.7555% | 1,084 |
| Net charge-offs to loans | -0.0798% | 4,383 |
| Credit loss provision to net charge-offs | -37.2517% | 3,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4164% | 4,011 |
| Assets per employee ($millions) | 7.4717% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 3,446 |
| Loan loss allowance to noncurrent loans | 133.8622% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 1,308 |
| Noncurrent loans to loans | 0.7729% | 1,105 |
| Net loans and leases to total assets | 51.3999% | 3,223 |
| Net loans and leases to deposits | 58.3615% | 3,188 |
| Net loans and leases to core deposits | 59.8309% | 3,280 |
| Total domestic deposits to total assets | 88.0717% | 2,548 |
| Equity capital to assets | 11.4832% | 1,037 |
| Core capital (leverage) ratio | 10.4313% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9767% | 1,193 |
| Memoranda: | ||
| Average total assets | $6,095,447,667 | 235 |
| Average earning assets | $5,499,855,000 | 236 |
| Average equity | $728,370,667 | 204 |
| Average total loans | $3,025,772,333 | 274 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0856% | 3,018 |
| Cost of funding earning assets | 0.1648% | 3,299 |
| Net interest margin | 2.9208% | 2,765 |
| Noninterest income to average assets | 0.5659% | 1,843 |
| Noninterest expense to average assets | 1.7970% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1173% | 1,485 |
| Return on assets (ROA) | 1.1172% | 1,476 |
| Pretax return on assets | 1.4092% | 1,226 |
| Return on Equity (ROE) | 9.1731% | 2,255 |
| Retained earnings to average equity (ytd only) | 9.1731% | 1,222 |
| Net charge-offs to loans | -0.1181% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8779% | 4,060 |
| Assets per employee ($millions) | 7.7664% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,486 |
| Loan loss allowance to noncurrent loans | 127.8299% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 1,370 |
| Noncurrent loans to loans | 0.8305% | 1,129 |
| Net loans and leases to total assets | 47.6080% | 3,426 |
| Net loans and leases to deposits | 54.0811% | 3,413 |
| Net loans and leases to core deposits | 55.5600% | 3,485 |
| Total domestic deposits to total assets | 88.0308% | 2,510 |
| Equity capital to assets | 11.5756% | 1,103 |
| Core capital (leverage) ratio | 10.0950% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4688% | 1,153 |
| Memoranda: | ||
| Average total assets | $6,128,354,500 | 235 |
| Average earning assets | $5,540,143,500 | 238 |
| Average equity | $746,360,000 | 207 |
| Average total loans | $2,972,845,000 | 277 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5657% | 2,475 |
| Cost of funding earning assets | 0.2483% | 2,952 |
| Net interest margin | 3.3174% | 2,262 |
| Noninterest income to average assets | 0.6637% | 1,890 |
| Noninterest expense to average assets | 1.9641% | 3,787 |
| Loan and lease loss provision to assets | -0.0263% | 4,255 |
| Net operating income to assets | 1.3341% | 1,498 |
| Return on assets (ROA) | 1.3361% | 1,529 |
| Pretax return on assets | 1.7015% | 1,141 |
| Return on Equity (ROE) | 9.8830% | 2,568 |
| Retained earnings to average equity (ytd only) | 9.8830% | 947 |
| Net charge-offs to loans | 0.1323% | 699 |
| Credit loss provision to net charge-offs | -36.1940% | 3,222 |
| Earnings coverage of net charge-offs (x) | 23.0119% | 1,786 |
| Efficiency ratio | 51.9509% | 4,120 |
| Assets per employee ($millions) | 7.6409% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,610 |
| Loan loss allowance to noncurrent loans | 109.5620% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 1,320 |
| Noncurrent loans to loans | 0.9456% | 1,070 |
| Net loans and leases to total assets | 48.4017% | 3,468 |
| Net loans and leases to deposits | 55.8107% | 3,437 |
| Net loans and leases to core deposits | 57.1018% | 3,543 |
| Total domestic deposits to total assets | 86.7247% | 2,610 |
| Equity capital to assets | 12.7942% | 961 |
| Core capital (leverage) ratio | 10.7835% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4089% | 1,178 |
| Memoranda: | ||
| Average total assets | $5,530,717,800 | 251 |
| Average earning assets | $4,956,653,000 | 253 |
| Average equity | $747,711,800 | 204 |
| Average total loans | $3,038,948,800 | 267 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 2,349 |
| Cost of funding earning assets | 0.2765% | 2,834 |
| Net interest margin | 3.3966% | 2,164 |
| Noninterest income to average assets | 0.6712% | 1,928 |
| Noninterest expense to average assets | 1.9672% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3608% | 1,651 |
| Return on assets (ROA) | 1.3629% | 1,704 |
| Pretax return on assets | 1.7419% | 1,300 |
| Return on Equity (ROE) | 9.9317% | 2,759 |
| Retained earnings to average equity (ytd only) | 9.9317% | 1,339 |
| Net charge-offs to loans | 0.1657% | 510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 18.5312% | 1,782 |
| Efficiency ratio | 50.9709% | 4,125 |
| Assets per employee ($millions) | 7.0930% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,477 |
| Loan loss allowance to noncurrent loans | 127.2841% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 1,497 |
| Noncurrent loans to loans | 0.8577% | 1,340 |
| Net loans and leases to total assets | 53.3604% | 3,039 |
| Net loans and leases to deposits | 62.2920% | 3,010 |
| Net loans and leases to core deposits | 63.9063% | 3,149 |
| Total domestic deposits to total assets | 85.6617% | 2,888 |
| Equity capital to assets | 13.8648% | 765 |
| Core capital (leverage) ratio | 10.7774% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8730% | 1,156 |
| Memoranda: | ||
| Average total assets | $5,396,669,000 | 255 |
| Average earning assets | $4,822,615,250 | 261 |
| Average equity | $740,586,000 | 204 |
| Average total loans | $3,056,878,250 | 266 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 2,336 |
| Cost of funding earning assets | 0.3098% | 2,678 |
| Net interest margin | 3.3882% | 2,176 |
| Noninterest income to average assets | 0.6672% | 1,941 |
| Noninterest expense to average assets | 1.9558% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3554% | 1,690 |
| Return on assets (ROA) | 1.3582% | 1,763 |
| Pretax return on assets | 1.7375% | 1,393 |
| Return on Equity (ROE) | 9.9325% | 2,765 |
| Retained earnings to average equity (ytd only) | 9.9325% | 1,412 |
| Net charge-offs to loans | 0.2437% | 359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 12.3601% | 1,724 |
| Efficiency ratio | 50.8812% | 4,151 |
| Assets per employee ($millions) | 7.0796% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 3,561 |
| Loan loss allowance to noncurrent loans | 97.0024% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 1,229 |
| Noncurrent loans to loans | 1.0997% | 1,102 |
| Net loans and leases to total assets | 54.7240% | 3,048 |
| Net loans and leases to deposits | 63.7746% | 3,025 |
| Net loans and leases to core deposits | 65.5047% | 3,157 |
| Total domestic deposits to total assets | 85.8085% | 2,798 |
| Equity capital to assets | 13.6315% | 802 |
| Core capital (leverage) ratio | 10.5036% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5961% | 1,207 |
| Memoranda: | ||
| Average total assets | $5,360,839,333 | 253 |
| Average earning assets | $4,782,013,000 | 257 |
| Average equity | $733,068,333 | 205 |
| Average total loans | $3,086,018,000 | 263 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 1,992 |
| Cost of funding earning assets | 0.3473% | 2,541 |
| Net interest margin | 3.4882% | 1,854 |
| Noninterest income to average assets | 0.7131% | 1,836 |
| Noninterest expense to average assets | 1.9967% | 3,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4095% | 1,542 |
| Return on assets (ROA) | 1.4107% | 1,611 |
| Pretax return on assets | 1.8247% | 1,248 |
| Return on Equity (ROE) | 10.2997% | 2,595 |
| Retained earnings to average equity (ytd only) | 10.2997% | 1,573 |
| Net charge-offs to loans | 0.4575% | 181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 6.7856% | 1,637 |
| Efficiency ratio | 50.1880% | 4,172 |
| Assets per employee ($millions) | 7.8111% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,597 |
| Loan loss allowance to noncurrent loans | 105.1610% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 1,386 |
| Noncurrent loans to loans | 1.0117% | 1,321 |
| Net loans and leases to total assets | 55.8728% | 3,054 |
| Net loans and leases to deposits | 64.9613% | 3,029 |
| Net loans and leases to core deposits | 66.8280% | 3,170 |
| Total domestic deposits to total assets | 86.0092% | 2,734 |
| Equity capital to assets | 13.4130% | 811 |
| Core capital (leverage) ratio | 10.4115% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5107% | 1,161 |
| Memoranda: | ||
| Average total assets | $5,290,843,500 | 252 |
| Average earning assets | $4,712,408,000 | 254 |
| Average equity | $724,680,500 | 209 |
| Average total loans | $3,107,661,000 | 262 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 1,723 |
| Cost of funding earning assets | 0.5110% | 2,878 |
| Net interest margin | 3.8379% | 1,400 |
| Noninterest income to average assets | 0.8537% | 1,387 |
| Noninterest expense to average assets | 2.1433% | 3,844 |
| Loan and lease loss provision to assets | 0.5382% | 422 |
| Net operating income to assets | 1.2795% | 1,308 |
| Return on assets (ROA) | 1.2844% | 1,394 |
| Pretax return on assets | 1.5649% | 1,147 |
| Return on Equity (ROE) | 8.9314% | 2,429 |
| Retained earnings to average equity (ytd only) | 6.1745% | 1,721 |
| Net charge-offs to loans | 0.1099% | 1,372 |
| Credit loss provision to net charge-offs | 776.5051% | 926 |
| Earnings coverage of net charge-offs (x) | 30.2547% | 1,605 |
| Efficiency ratio | 48.4784% | 4,612 |
| Assets per employee ($millions) | 6.8511% | 1,678 |
| Cash dividends to net income (ytd only)* | 30.8679% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,262 |
| Loan loss allowance to noncurrent loans | 98.2312% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8215% | 1,242 |
| Noncurrent loans to loans | 1.1594% | 1,226 |
| Net loans and leases to total assets | 60.4316% | 2,803 |
| Net loans and leases to deposits | 72.6105% | 2,627 |
| Net loans and leases to core deposits | 75.0999% | 2,808 |
| Total domestic deposits to total assets | 83.2270% | 3,346 |
| Equity capital to assets | 13.9969% | 801 |
| Core capital (leverage) ratio | 10.4523% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9571% | 1,272 |
| Memoranda: | ||
| Average total assets | $4,672,807,200 | 258 |
| Average earning assets | $4,123,408,400 | 262 |
| Average equity | $671,974,000 | 210 |
| Average total loans | $2,948,086,800 | 266 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 1,737 |
| Cost of funding earning assets | 0.5577% | 2,882 |
| Net interest margin | 3.8825% | 1,392 |
| Noninterest income to average assets | 0.8755% | 1,295 |
| Noninterest expense to average assets | 2.1554% | 3,798 |
| Loan and lease loss provision to assets | 0.6331% | 381 |
| Net operating income to assets | 1.2509% | 1,482 |
| Return on assets (ROA) | 1.2577% | 1,573 |
| Pretax return on assets | 1.5177% | 1,409 |
| Return on Equity (ROE) | 8.6803% | 2,531 |
| Retained earnings to average equity (ytd only) | 4.9374% | 2,586 |
| Net charge-offs to loans | 0.0589% | 1,768 |
| Credit loss provision to net charge-offs | 1,689.6875% | 561 |
| Earnings coverage of net charge-offs (x) | 57.1859% | 1,121 |
| Efficiency ratio | 48.0763% | 4,608 |
| Assets per employee ($millions) | 6.7295% | 1,661 |
| Cash dividends to net income (ytd only)* | 43.1198% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,319 |
| Loan loss allowance to noncurrent loans | 86.2958% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 1,329 |
| Noncurrent loans to loans | 1.2489% | 1,209 |
| Net loans and leases to total assets | 60.9948% | 3,111 |
| Net loans and leases to deposits | 73.0162% | 3,031 |
| Net loans and leases to core deposits | 75.8111% | 3,182 |
| Total domestic deposits to total assets | 83.5360% | 2,978 |
| Equity capital to assets | 13.6201% | 967 |
| Core capital (leverage) ratio | 10.1510% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5298% | 1,365 |
| Memoranda: | ||
| Average total assets | $4,554,724,250 | 259 |
| Average earning assets | $4,015,175,250 | 264 |
| Average equity | $659,928,000 | 212 |
| Average total loans | $2,898,831,000 | 268 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 1,743 |
| Cost of funding earning assets | 0.6095% | 2,920 |
| Net interest margin | 3.9547% | 1,433 |
| Noninterest income to average assets | 0.9830% | 1,016 |
| Noninterest expense to average assets | 2.2046% | 3,771 |
| Loan and lease loss provision to assets | 0.6755% | 421 |
| Net operating income to assets | 1.3380% | 1,251 |
| Return on assets (ROA) | 1.3476% | 1,324 |
| Pretax return on assets | 1.5916% | 1,247 |
| Return on Equity (ROE) | 9.0857% | 2,328 |
| Retained earnings to average equity (ytd only) | 3.3489% | 3,253 |
| Net charge-offs to loans | 0.0393% | 1,956 |
| Credit loss provision to net charge-offs | 2,669.3285% | 392 |
| Earnings coverage of net charge-offs (x) | 89.1397% | 755 |
| Efficiency ratio | 47.3769% | 4,666 |
| Assets per employee ($millions) | 6.4824% | 1,799 |
| Cash dividends to net income (ytd only)* | 63.1403% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 4,082 |
| Loan loss allowance to noncurrent loans | 69.7936% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 1,361 |
| Noncurrent loans to loans | 1.2604% | 1,234 |
| Net loans and leases to total assets | 62.2985% | 3,095 |
| Net loans and leases to deposits | 74.6835% | 3,009 |
| Net loans and leases to core deposits | 77.9804% | 3,105 |
| Total domestic deposits to total assets | 83.4167% | 2,957 |
| Equity capital to assets | 13.5589% | 970 |
| Core capital (leverage) ratio | 10.2021% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8829% | 1,523 |
| Memoranda: | ||
| Average total assets | $4,354,699,667 | 263 |
| Average earning assets | $3,829,082,667 | 269 |
| Average equity | $645,874,667 | 217 |
| Average total loans | $2,805,636,667 | 274 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 1,508 |
| Cost of funding earning assets | 0.7197% | 2,842 |
| Net interest margin | 4.0484% | 1,259 |
| Noninterest income to average assets | 0.6224% | 1,937 |
| Noninterest expense to average assets | 2.2302% | 3,931 |
| Loan and lease loss provision to assets | 0.7112% | 367 |
| Net operating income to assets | 0.9927% | 2,197 |
| Return on assets (ROA) | 1.0070% | 2,259 |
| Pretax return on assets | 1.2351% | 2,085 |
| Return on Equity (ROE) | 6.4382% | 3,153 |
| Retained earnings to average equity (ytd only) | 6.4382% | 1,734 |
| Net charge-offs to loans | 0.0315% | 1,758 |
| Credit loss provision to net charge-offs | 3,447.5728% | 228 |
| Earnings coverage of net charge-offs (x) | 93.5000% | 604 |
| Efficiency ratio | 51.3640% | 4,586 |
| Assets per employee ($millions) | 5.9008% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 4,429 |
| Loan loss allowance to noncurrent loans | 51.8234% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.1623% | 1,087 |
| Noncurrent loans to loans | 1.5348% | 1,032 |
| Net loans and leases to total assets | 64.0081% | 3,069 |
| Net loans and leases to deposits | 79.1242% | 2,764 |
| Net loans and leases to core deposits | 83.4215% | 2,894 |
| Total domestic deposits to total assets | 80.8957% | 3,689 |
| Equity capital to assets | 15.6051% | 654 |
| Core capital (leverage) ratio | 11.4014% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1908% | 1,556 |
| Memoranda: | ||
| Average total assets | $3,994,187,000 | 274 |
| Average earning assets | $3,489,364,000 | 283 |
| Average equity | $624,705,000 | 224 |
| Average total loans | $2,613,371,500 | 284 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 1,851 |
| Cost of funding earning assets | 0.7148% | 3,093 |
| Net interest margin | 4.1533% | 1,418 |
| Noninterest income to average assets | 0.7250% | 1,727 |
| Noninterest expense to average assets | 2.3629% | 3,797 |
| Loan and lease loss provision to assets | 0.1074% | 1,935 |
| Net operating income to assets | 1.4659% | 1,136 |
| Return on assets (ROA) | 1.4687% | 1,193 |
| Pretax return on assets | 1.8996% | 745 |
| Return on Equity (ROE) | 9.6083% | 2,473 |
| Retained earnings to average equity (ytd only) | 0.1339% | 4,646 |
| Net charge-offs to loans | -0.0045% | 4,327 |
| Credit loss provision to net charge-offs | -3,560.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9983% | 4,606 |
| Assets per employee ($millions) | 5.7355% | 1,852 |
| Cash dividends to net income (ytd only)* | 98.6067% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5326% | 4,848 |
| Loan loss allowance to noncurrent loans | 33.8337% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.2302% | 939 |
| Noncurrent loans to loans | 1.5743% | 897 |
| Net loans and leases to total assets | 66.0115% | 2,954 |
| Net loans and leases to deposits | 84.2657% | 2,307 |
| Net loans and leases to core deposits | 89.5540% | 2,463 |
| Total domestic deposits to total assets | 78.3373% | 4,309 |
| Equity capital to assets | 15.6767% | 660 |
| Core capital (leverage) ratio | 11.8280% | 1,877 |
| Tier 1 risk-based capital ratio | 15.1058% | 2,736 |
| Total risk-based capital ratio | 15.5994% | 2,999 |
| Memoranda: | ||
| Average total assets | $3,479,471,800 | 291 |
| Average earning assets | $3,050,543,000 | 294 |
| Average equity | $531,855,200 | 241 |
| Average total loans | $2,347,939,600 | 293 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8796% | 1,876 |
| Cost of funding earning assets | 0.7239% | 3,101 |
| Net interest margin | 4.1556% | 1,485 |
| Noninterest income to average assets | 0.7344% | 1,648 |
| Noninterest expense to average assets | 2.3606% | 3,795 |
| Loan and lease loss provision to assets | 0.1144% | 1,700 |
| Net operating income to assets | 1.4720% | 1,268 |
| Return on assets (ROA) | 1.4761% | 1,311 |
| Pretax return on assets | 1.9105% | 843 |
| Return on Equity (ROE) | 9.7294% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.5555% | 2,598 |
| Net charge-offs to loans | -0.0053% | 4,218 |
| Credit loss provision to net charge-offs | -3,207.7778% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8038% | 4,609 |
| Assets per employee ($millions) | 5.4691% | 2,056 |
| Cash dividends to net income (ytd only)* | 42.9001% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5524% | 4,894 |
| Loan loss allowance to noncurrent loans | 34.9763% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 861 |
| Noncurrent loans to loans | 1.5794% | 936 |
| Net loans and leases to total assets | 67.6104% | 2,850 |
| Net loans and leases to deposits | 84.7878% | 2,343 |
| Net loans and leases to core deposits | 89.5438% | 2,581 |
| Total domestic deposits to total assets | 79.7407% | 4,037 |
| Equity capital to assets | 15.6408% | 705 |
| Core capital (leverage) ratio | 12.0265% | 1,833 |
| Tier 1 risk-based capital ratio | 15.5737% | 2,615 |
| Total risk-based capital ratio | 16.0839% | 2,859 |
| Memoranda: | ||
| Average total assets | $3,365,701,250 | 299 |
| Average earning assets | $2,952,810,500 | 301 |
| Average equity | $510,617,250 | 246 |
| Average total loans | $2,282,132,750 | 303 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8423% | 1,924 |
| Cost of funding earning assets | 0.7192% | 3,056 |
| Net interest margin | 4.1231% | 1,542 |
| Noninterest income to average assets | 0.6909% | 1,750 |
| Noninterest expense to average assets | 2.3849% | 3,774 |
| Loan and lease loss provision to assets | 0.1149% | 1,633 |
| Net operating income to assets | 1.3988% | 1,443 |
| Return on assets (ROA) | 1.4023% | 1,487 |
| Pretax return on assets | 1.8179% | 997 |
| Return on Equity (ROE) | 9.3437% | 2,707 |
| Retained earnings to average equity (ytd only) | 7.5660% | 1,570 |
| Net charge-offs to loans | -0.0099% | 4,325 |
| Credit loss provision to net charge-offs | -1,708.0357% | 4,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1867% | 4,543 |
| Assets per employee ($millions) | 5.4902% | 1,981 |
| Cash dividends to net income (ytd only)* | 19.0252% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5122% | 5,004 |
| Loan loss allowance to noncurrent loans | 45.4600% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0972% | 1,244 |
| Noncurrent loans to loans | 1.1267% | 1,449 |
| Net loans and leases to total assets | 67.7917% | 2,844 |
| Net loans and leases to deposits | 82.9507% | 2,623 |
| Net loans and leases to core deposits | 87.2889% | 2,865 |
| Total domestic deposits to total assets | 81.7252% | 3,599 |
| Equity capital to assets | 15.5798% | 692 |
| Core capital (leverage) ratio | 11.8078% | 1,941 |
| Tier 1 risk-based capital ratio | 15.4529% | 2,639 |
| Total risk-based capital ratio | 15.9293% | 2,906 |
| Memoranda: | ||
| Average total assets | $3,329,966,330 | 301 |
| Average earning assets | $2,925,562,330 | 304 |
| Average equity | $499,760,000 | 248 |
| Average total loans | $2,255,813,670 | 307 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 2,411 |
| Cost of funding earning assets | 0.6849% | 3,125 |
| Net interest margin | 3.9562% | 2,001 |
| Noninterest income to average assets | 0.6097% | 2,003 |
| Noninterest expense to average assets | 2.4439% | 3,645 |
| Loan and lease loss provision to assets | 0.1377% | 1,259 |
| Net operating income to assets | 1.1709% | 2,173 |
| Return on assets (ROA) | 1.1746% | 2,204 |
| Pretax return on assets | 1.5091% | 1,730 |
| Return on Equity (ROE) | 7.9879% | 3,270 |
| Retained earnings to average equity (ytd only) | 7.9879% | 1,664 |
| Net charge-offs to loans | -0.0085% | 4,172 |
| Credit loss provision to net charge-offs | -2,389.3617% | 4,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6628% | 4,125 |
| Assets per employee ($millions) | 5.5916% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4798% | 5,103 |
| Loan loss allowance to noncurrent loans | 40.9364% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 1,243 |
| Noncurrent loans to loans | 1.1721% | 1,413 |
| Net loans and leases to total assets | 66.0479% | 3,045 |
| Net loans and leases to deposits | 79.7667% | 2,866 |
| Net loans and leases to core deposits | 83.4908% | 3,064 |
| Total domestic deposits to total assets | 82.8014% | 3,457 |
| Equity capital to assets | 14.8855% | 777 |
| Core capital (leverage) ratio | 12.5508% | 1,478 |
| Tier 1 risk-based capital ratio | 14.7619% | 2,979 |
| Total risk-based capital ratio | 15.1980% | 3,283 |
| Memoranda: | ||
| Average total assets | $3,262,801,500 | 307 |
| Average earning assets | $2,867,114,000 | 311 |
| Average equity | $479,775,500 | 257 |
| Average total loans | $2,203,423,000 | 315 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 1,900 |
| Cost of funding earning assets | 0.5448% | 3,084 |
| Net interest margin | 4.1351% | 1,572 |
| Noninterest income to average assets | 0.7364% | 1,703 |
| Noninterest expense to average assets | 2.9014% | 2,350 |
| Loan and lease loss provision to assets | 0.0877% | 2,391 |
| Net operating income to assets | 1.1012% | 2,592 |
| Return on assets (ROA) | 1.1121% | 2,549 |
| Pretax return on assets | 1.4134% | 2,089 |
| Return on Equity (ROE) | 8.2971% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.0124% | 3,362 |
| Net charge-offs to loans | 0.0098% | 3,345 |
| Credit loss provision to net charge-offs | 1,308.6420% | 314 |
| Earnings coverage of net charge-offs (x) | 222.0309% | 417 |
| Efficiency ratio | 64.5518% | 3,108 |
| Assets per employee ($millions) | 5.0716% | 2,407 |
| Cash dividends to net income (ytd only)* | 51.6416% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4873% | 5,135 |
| Loan loss allowance to noncurrent loans | 43.3463% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 1,159 |
| Noncurrent loans to loans | 1.1243% | 1,433 |
| Net loans and leases to total assets | 68.5675% | 2,797 |
| Net loans and leases to deposits | 83.4957% | 2,564 |
| Net loans and leases to core deposits | 87.0924% | 2,827 |
| Total domestic deposits to total assets | 82.1210% | 3,612 |
| Equity capital to assets | 14.4913% | 841 |
| Core capital (leverage) ratio | 12.2428% | 1,594 |
| Tier 1 risk-based capital ratio | 14.7526% | 2,941 |
| Total risk-based capital ratio | 15.2035% | 3,237 |
| Memoranda: | ||
| Average total assets | $2,418,413,400 | 366 |
| Average earning assets | $2,136,077,400 | 368 |
| Average equity | $324,148,000 | 331 |
| Average total loans | $1,656,682,200 | 378 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 1,964 |
| Cost of funding earning assets | 0.5000% | 3,200 |
| Net interest margin | 4.1053% | 1,609 |
| Noninterest income to average assets | 0.7658% | 1,603 |
| Noninterest expense to average assets | 2.9317% | 2,225 |
| Loan and lease loss provision to assets | 0.0907% | 2,166 |
| Net operating income to assets | 1.0712% | 2,775 |
| Return on assets (ROA) | 1.0710% | 2,785 |
| Pretax return on assets | 1.3718% | 2,336 |
| Return on Equity (ROE) | 8.2103% | 3,462 |
| Retained earnings to average equity (ytd only) | 1.9667% | 4,592 |
| Net charge-offs to loans | 0.0059% | 3,224 |
| Credit loss provision to net charge-offs | 2,240.5797% | 190 |
| Earnings coverage of net charge-offs (x) | 361.5127% | 259 |
| Efficiency ratio | 65.5039% | 2,958 |
| Assets per employee ($millions) | 4.9820% | 2,490 |
| Cash dividends to net income (ytd only)* | 76.0458% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5571% | 5,113 |
| Loan loss allowance to noncurrent loans | 67.9210% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 1,569 |
| Noncurrent loans to loans | 0.8203% | 2,066 |
| Net loans and leases to total assets | 69.5546% | 2,715 |
| Net loans and leases to deposits | 84.2295% | 2,574 |
| Net loans and leases to core deposits | 87.8280% | 2,852 |
| Total domestic deposits to total assets | 82.5775% | 3,441 |
| Equity capital to assets | 13.5654% | 1,115 |
| Core capital (leverage) ratio | 11.8408% | 1,887 |
| Tier 1 risk-based capital ratio | 14.8654% | 2,939 |
| Total risk-based capital ratio | 15.3767% | 3,221 |
| Memoranda: | ||
| Average total assets | $2,273,684,000 | 379 |
| Average earning assets | $2,009,685,250 | 385 |
| Average equity | $296,597,250 | 342 |
| Average total loans | $1,554,537,750 | 391 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,046 |
| Cost of funding earning assets | 0.4852% | 3,131 |
| Net interest margin | 4.0294% | 1,762 |
| Noninterest income to average assets | 0.7376% | 1,695 |
| Noninterest expense to average assets | 2.8368% | 2,553 |
| Loan and lease loss provision to assets | 0.1033% | 1,883 |
| Net operating income to assets | 1.0592% | 2,759 |
| Return on assets (ROA) | 1.0588% | 2,763 |
| Pretax return on assets | 1.3546% | 2,309 |
| Return on Equity (ROE) | 8.2417% | 3,397 |
| Retained earnings to average equity (ytd only) | -1.6034% | 5,119 |
| Net charge-offs to loans | -0.0121% | 4,375 |
| Credit loss provision to net charge-offs | -1,260.0000% | 4,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8603% | 3,183 |
| Assets per employee ($millions) | 4.7389% | 2,767 |
| Cash dividends to net income (ytd only)* | 119.4547% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5543% | 5,186 |
| Loan loss allowance to noncurrent loans | 101.4072% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 2,070 |
| Noncurrent loans to loans | 0.5466% | 2,782 |
| Net loans and leases to total assets | 68.8608% | 2,747 |
| Net loans and leases to deposits | 80.4426% | 2,901 |
| Net loans and leases to core deposits | 84.9554% | 3,012 |
| Total domestic deposits to total assets | 85.6024% | 2,455 |
| Equity capital to assets | 13.5360% | 1,090 |
| Core capital (leverage) ratio | 11.6289% | 1,962 |
| Tier 1 risk-based capital ratio | 14.9168% | 2,911 |
| Total risk-based capital ratio | 15.4296% | 3,187 |
| Memoranda: | ||
| Average total assets | $2,196,270,330 | 384 |
| Average earning assets | $1,939,027,670 | 401 |
| Average equity | $282,150,330 | 350 |
| Average total loans | $1,488,466,330 | 401 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 3,182 |
| Cost of funding earning assets | 0.4625% | 3,106 |
| Net interest margin | 3.6544% | 2,971 |
| Noninterest income to average assets | 0.6713% | 1,951 |
| Noninterest expense to average assets | 2.4623% | 3,771 |
| Loan and lease loss provision to assets | 0.0539% | 2,690 |
| Net operating income to assets | 1.0907% | 2,468 |
| Return on assets (ROA) | 1.0907% | 2,482 |
| Pretax return on assets | 1.3953% | 2,022 |
| Return on Equity (ROE) | 8.7739% | 3,017 |
| Retained earnings to average equity (ytd only) | -1.1774% | 4,930 |
| Net charge-offs to loans | -0.0274% | 4,700 |
| Credit loss provision to net charge-offs | -294.6809% | 3,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9495% | 3,793 |
| Assets per employee ($millions) | 4.7997% | 2,737 |
| Cash dividends to net income (ytd only)* | 113.4190% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5700% | 5,240 |
| Loan loss allowance to noncurrent loans | 126.5381% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,387 |
| Noncurrent loans to loans | 0.4505% | 3,187 |
| Net loans and leases to total assets | 65.6997% | 3,087 |
| Net loans and leases to deposits | 75.8192% | 3,234 |
| Net loans and leases to core deposits | 80.7221% | 3,269 |
| Total domestic deposits to total assets | 86.6531% | 2,254 |
| Equity capital to assets | 12.3669% | 1,567 |
| Core capital (leverage) ratio | 11.6707% | 1,877 |
| Tier 1 risk-based capital ratio | 13.3365% | 3,753 |
| Total risk-based capital ratio | 13.8493% | 4,081 |
| Memoranda: | ||
| Average total assets | $2,055,184,500 | 416 |
| Average earning assets | $1,822,263,500 | 421 |
| Average equity | $255,484,000 | 382 |
| Average total loans | $1,374,606,500 | 426 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 2,078 |
| Cost of funding earning assets | 0.4025% | 3,233 |
| Net interest margin | 3.9799% | 1,809 |
| Noninterest income to average assets | 0.7832% | 1,637 |
| Noninterest expense to average assets | 3.0613% | 1,975 |
| Loan and lease loss provision to assets | 0.0300% | 3,676 |
| Net operating income to assets | 0.7491% | 3,395 |
| Return on assets (ROA) | 0.7485% | 3,437 |
| Pretax return on assets | 1.2327% | 2,624 |
| Return on Equity (ROE) | 6.5116% | 3,527 |
| Retained earnings to average equity (ytd only) | 4.6185% | 2,383 |
| Net charge-offs to loans | -0.0240% | 5,005 |
| Credit loss provision to net charge-offs | -187.0849% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8739% | 2,574 |
| Assets per employee ($millions) | 4.3542% | 3,402 |
| Cash dividends to net income (ytd only)* | 29.0721% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6738% | 5,116 |
| Loan loss allowance to noncurrent loans | 139.0837% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 2,099 |
| Noncurrent loans to loans | 0.4844% | 3,064 |
| Net loans and leases to total assets | 67.4535% | 2,896 |
| Net loans and leases to deposits | 81.9478% | 2,721 |
| Net loans and leases to core deposits | 87.3631% | 2,780 |
| Total domestic deposits to total assets | 82.3127% | 3,779 |
| Equity capital to assets | 12.5128% | 1,514 |
| Core capital (leverage) ratio | 11.3930% | 2,019 |
| Tier 1 risk-based capital ratio | 14.5309% | 3,075 |
| Total risk-based capital ratio | 15.1240% | 3,342 |
| Memoranda: | ||
| Average total assets | $1,688,863,400 | 469 |
| Average earning assets | $1,502,915,200 | 477 |
| Average equity | $194,131,000 | 450 |
| Average total loans | $1,129,023,000 | 482 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 1,889 |
| Cost of funding earning assets | 0.3959% | 3,241 |
| Net interest margin | 4.0259% | 1,617 |
| Noninterest income to average assets | 0.7929% | 1,618 |
| Noninterest expense to average assets | 3.2275% | 1,499 |
| Loan and lease loss provision to assets | 0.0309% | 3,501 |
| Net operating income to assets | 0.7818% | 3,597 |
| Return on assets (ROA) | 0.7807% | 3,650 |
| Pretax return on assets | 1.1024% | 3,292 |
| Return on Equity (ROE) | 6.9603% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.1324% | 2,793 |
| Net charge-offs to loans | -0.0339% | 5,036 |
| Credit loss provision to net charge-offs | -136.6548% | 4,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0808% | 2,032 |
| Assets per employee ($millions) | 4.2839% | 3,499 |
| Cash dividends to net income (ytd only)* | 26.2616% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6797% | 5,185 |
| Loan loss allowance to noncurrent loans | 130.0095% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 2,113 |
| Noncurrent loans to loans | 0.5228% | 3,133 |
| Net loans and leases to total assets | 66.8731% | 2,993 |
| Net loans and leases to deposits | 79.2194% | 3,044 |
| Net loans and leases to core deposits | 84.2574% | 3,110 |
| Total domestic deposits to total assets | 84.4151% | 2,954 |
| Equity capital to assets | 10.7397% | 3,127 |
| Core capital (leverage) ratio | 9.5200% | 4,142 |
| Tier 1 risk-based capital ratio | 12.1391% | 4,528 |
| Total risk-based capital ratio | 12.7370% | 4,862 |
| Memoranda: | ||
| Average total assets | $1,658,245,500 | 477 |
| Average earning assets | $1,470,233,500 | 489 |
| Average equity | $186,001,750 | 466 |
| Average total loans | $1,103,754,750 | 492 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 1,526 |
| Cost of funding earning assets | 0.3891% | 3,188 |
| Net interest margin | 4.1047% | 1,312 |
| Noninterest income to average assets | 0.8114% | 1,532 |
| Noninterest expense to average assets | 3.6133% | 854 |
| Loan and lease loss provision to assets | 0.0364% | 3,277 |
| Net operating income to assets | 0.5737% | 4,415 |
| Return on assets (ROA) | 0.5729% | 4,474 |
| Pretax return on assets | 0.8004% | 4,277 |
| Return on Equity (ROE) | 5.0290% | 4,465 |
| Retained earnings to average equity (ytd only) | 3.2360% | 3,787 |
| Net charge-offs to loans | -0.0497% | 5,174 |
| Credit loss provision to net charge-offs | -110.5263% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2559% | 1,185 |
| Assets per employee ($millions) | 4.2479% | 3,523 |
| Cash dividends to net income (ytd only)* | 35.6525% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 5,251 |
| Loan loss allowance to noncurrent loans | 170.2891% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 2,349 |
| Noncurrent loans to loans | 0.3970% | 3,604 |
| Net loans and leases to total assets | 66.3053% | 3,056 |
| Net loans and leases to deposits | 76.4594% | 3,291 |
| Net loans and leases to core deposits | 81.2630% | 3,315 |
| Total domestic deposits to total assets | 86.7197% | 2,078 |
| Equity capital to assets | 10.5129% | 3,325 |
| Core capital (leverage) ratio | 9.3097% | 4,358 |
| Tier 1 risk-based capital ratio | 11.8186% | 4,748 |
| Total risk-based capital ratio | 12.4126% | 5,054 |
| Memoranda: | ||
| Average total assets | $1,615,534,670 | 490 |
| Average earning assets | $1,432,547,330 | 500 |
| Average equity | $184,051,670 | 470 |
| Average total loans | $1,070,745,670 | 504 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 1,019 |
| Cost of funding earning assets | 0.4046% | 2,951 |
| Net interest margin | 4.2500% | 885 |
| Noninterest income to average assets | 0.8235% | 1,475 |
| Noninterest expense to average assets | 3.9084% | 595 |
| Loan and lease loss provision to assets | 0.0120% | 3,409 |
| Net operating income to assets | 0.4860% | 4,652 |
| Return on assets (ROA) | 0.4845% | 4,680 |
| Pretax return on assets | 0.6600% | 4,563 |
| Return on Equity (ROE) | 4.0687% | 4,761 |
| Retained earnings to average equity (ytd only) | 2.7505% | 4,035 |
| Net charge-offs to loans | -0.1019% | 5,449 |
| Credit loss provision to net charge-offs | -17.8988% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4389% | 935 |
| Assets per employee ($millions) | 3.7052% | 4,498 |
| Cash dividends to net income (ytd only)* | 32.3974% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6821% | 5,347 |
| Loan loss allowance to noncurrent loans | 147.4151% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 2,435 |
| Noncurrent loans to loans | 0.4627% | 3,437 |
| Net loans and leases to total assets | 63.8346% | 3,300 |
| Net loans and leases to deposits | 72.5200% | 3,561 |
| Net loans and leases to core deposits | 77.4709% | 3,518 |
| Total domestic deposits to total assets | 88.0235% | 1,703 |
| Equity capital to assets | 10.3584% | 3,338 |
| Core capital (leverage) ratio | 9.3490% | 4,280 |
| Tier 1 risk-based capital ratio | 11.7201% | 4,901 |
| Total risk-based capital ratio | 12.2969% | 5,187 |
| Memoranda: | ||
| Average total assets | $1,529,125,500 | 516 |
| Average earning assets | $1,352,468,500 | 521 |
| Average equity | $182,074,000 | 469 |
| Average total loans | $1,009,197,000 | 537 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,074 |
| Cost of funding earning assets | 0.3711% | 3,306 |
| Net interest margin | 3.6653% | 2,839 |
| Noninterest income to average assets | 0.8464% | 1,592 |
| Noninterest expense to average assets | 2.7585% | 3,162 |
| Loan and lease loss provision to assets | 0.0508% | 3,373 |
| Net operating income to assets | 0.9395% | 2,639 |
| Return on assets (ROA) | 0.9468% | 2,709 |
| Pretax return on assets | 1.3341% | 2,166 |
| Return on Equity (ROE) | 8.9437% | 2,447 |
| Retained earnings to average equity (ytd only) | 6.7363% | 1,343 |
| Net charge-offs to loans | -0.0166% | 5,076 |
| Credit loss provision to net charge-offs | -452.8986% | 5,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9876% | 3,589 |
| Assets per employee ($millions) | 4.1164% | 3,755 |
| Cash dividends to net income (ytd only)* | 24.6802% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 4,927 |
| Loan loss allowance to noncurrent loans | 216.9266% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 2,415 |
| Noncurrent loans to loans | 0.3966% | 3,726 |
| Net loans and leases to total assets | 67.8193% | 2,802 |
| Net loans and leases to deposits | 83.2577% | 2,506 |
| Net loans and leases to core deposits | 91.0575% | 2,398 |
| Total domestic deposits to total assets | 81.4571% | 4,217 |
| Equity capital to assets | 14.0699% | 866 |
| Core capital (leverage) ratio | 13.1095% | 1,100 |
| Tier 1 risk-based capital ratio | 16.2242% | 2,464 |
| Total risk-based capital ratio | 16.9623% | 2,591 |
| Memoranda: | ||
| Average total assets | $1,230,397,200 | 601 |
| Average earning assets | $1,103,351,400 | 604 |
| Average equity | $130,248,800 | 613 |
| Average total loans | $830,021,000 | 614 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 3,271 |
| Cost of funding earning assets | 0.3633% | 3,403 |
| Net interest margin | 3.6239% | 2,992 |
| Noninterest income to average assets | 0.8618% | 1,542 |
| Noninterest expense to average assets | 2.7167% | 3,308 |
| Loan and lease loss provision to assets | 0.0588% | 3,077 |
| Net operating income to assets | 0.9454% | 2,675 |
| Return on assets (ROA) | 0.9554% | 2,769 |
| Pretax return on assets | 1.3495% | 2,242 |
| Return on Equity (ROE) | 9.8760% | 2,104 |
| Retained earnings to average equity (ytd only) | 8.1518% | 1,109 |
| Net charge-offs to loans | -0.0319% | 5,187 |
| Credit loss provision to net charge-offs | -274.4898% | 4,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3026% | 3,711 |
| Assets per employee ($millions) | 4.1096% | 3,769 |
| Cash dividends to net income (ytd only)* | 17.4585% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 4,983 |
| Loan loss allowance to noncurrent loans | 120.3120% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8924% | 2,327 |
| Noncurrent loans to loans | 0.7198% | 2,871 |
| Net loans and leases to total assets | 67.6535% | 2,844 |
| Net loans and leases to deposits | 79.8815% | 2,980 |
| Net loans and leases to core deposits | 86.2346% | 2,929 |
| Total domestic deposits to total assets | 84.6924% | 2,946 |
| Equity capital to assets | 9.6433% | 4,523 |
| Core capital (leverage) ratio | 8.4936% | 5,362 |
| Tier 1 risk-based capital ratio | 10.4252% | 5,646 |
| Total risk-based capital ratio | 11.1800% | 5,777 |
| Memoranda: | ||
| Average total assets | $1,218,978,250 | 605 |
| Average earning assets | $1,092,931,750 | 607 |
| Average equity | $117,925,500 | 678 |
| Average total loans | $819,292,750 | 618 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 3,405 |
| Cost of funding earning assets | 0.3427% | 3,646 |
| Net interest margin | 3.6123% | 3,049 |
| Noninterest income to average assets | 0.8200% | 1,640 |
| Noninterest expense to average assets | 2.6853% | 3,440 |
| Loan and lease loss provision to assets | 0.0655% | 2,835 |
| Net operating income to assets | 0.9432% | 2,653 |
| Return on assets (ROA) | 0.9585% | 2,733 |
| Pretax return on assets | 1.3437% | 2,229 |
| Return on Equity (ROE) | 9.8964% | 2,098 |
| Retained earnings to average equity (ytd only) | 8.5236% | 1,002 |
| Net charge-offs to loans | -0.0291% | 5,108 |
| Credit loss provision to net charge-offs | -336.7521% | 4,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1365% | 3,821 |
| Assets per employee ($millions) | 3.9490% | 4,000 |
| Cash dividends to net income (ytd only)* | 13.8720% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 5,050 |
| Loan loss allowance to noncurrent loans | 120.8021% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.9094% | 2,341 |
| Noncurrent loans to loans | 0.7214% | 2,926 |
| Net loans and leases to total assets | 67.4540% | 2,872 |
| Net loans and leases to deposits | 80.3615% | 2,887 |
| Net loans and leases to core deposits | 86.3277% | 2,867 |
| Total domestic deposits to total assets | 83.9383% | 3,289 |
| Equity capital to assets | 9.7886% | 4,463 |
| Core capital (leverage) ratio | 8.4656% | 5,392 |
| Tier 1 risk-based capital ratio | 10.4891% | 5,676 |
| Total risk-based capital ratio | 11.2421% | 5,804 |
| Memoranda: | ||
| Average total assets | $1,203,388,670 | 609 |
| Average earning assets | $1,083,689,670 | 612 |
| Average equity | $116,547,330 | 686 |
| Average total loans | $804,456,000 | 621 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 3,474 |
| Cost of funding earning assets | 0.3322% | 3,812 |
| Net interest margin | 3.5949% | 3,105 |
| Noninterest income to average assets | 0.7695% | 1,733 |
| Noninterest expense to average assets | 2.6233% | 3,679 |
| Loan and lease loss provision to assets | 0.0637% | 2,679 |
| Net operating income to assets | 0.9552% | 2,490 |
| Return on assets (ROA) | 0.9552% | 2,606 |
| Pretax return on assets | 1.3294% | 2,186 |
| Return on Equity (ROE) | 9.9177% | 2,019 |
| Retained earnings to average equity (ytd only) | 8.8733% | 1,155 |
| Net charge-offs to loans | -0.0228% | 4,921 |
| Credit loss provision to net charge-offs | -422.2222% | 4,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5296% | 4,037 |
| Assets per employee ($millions) | 4.4654% | 3,132 |
| Cash dividends to net income (ytd only)* | 10.5300% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 5,158 |
| Loan loss allowance to noncurrent loans | 107.7303% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 2,426 |
| Noncurrent loans to loans | 0.8062% | 2,826 |
| Net loans and leases to total assets | 64.1922% | 3,215 |
| Net loans and leases to deposits | 76.9536% | 3,113 |
| Net loans and leases to core deposits | 82.3853% | 3,098 |
| Total domestic deposits to total assets | 83.4167% | 3,748 |
| Equity capital to assets | 9.4143% | 4,756 |
| Core capital (leverage) ratio | 8.3392% | 5,529 |
| Tier 1 risk-based capital ratio | 10.6188% | 5,700 |
| Total risk-based capital ratio | 11.3723% | 5,817 |
| Memoranda: | ||
| Average total assets | $1,192,991,500 | 613 |
| Average earning assets | $1,077,526,000 | 618 |
| Average equity | $114,906,000 | 693 |
| Average total loans | $790,174,000 | 627 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 3,464 |
| Cost of funding earning assets | 0.2980% | 4,271 |
| Net interest margin | 3.6631% | 2,891 |
| Noninterest income to average assets | 0.6081% | 2,679 |
| Noninterest expense to average assets | 2.6852% | 3,631 |
| Loan and lease loss provision to assets | 0.0364% | 3,620 |
| Net operating income to assets | 0.8532% | 3,093 |
| Return on assets (ROA) | 0.8532% | 3,167 |
| Pretax return on assets | 1.1815% | 2,726 |
| Return on Equity (ROE) | 8.8177% | 2,551 |
| Retained earnings to average equity (ytd only) | 7.3052% | 1,166 |
| Net charge-offs to loans | -0.0329% | 5,426 |
| Credit loss provision to net charge-offs | -169.4215% | 5,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8878% | 3,588 |
| Assets per employee ($millions) | 3.9881% | 3,959 |
| Cash dividends to net income (ytd only)* | 17.1536% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 5,201 |
| Loan loss allowance to noncurrent loans | 91.2003% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9513% | 2,288 |
| Noncurrent loans to loans | 0.9528% | 2,430 |
| Net loans and leases to total assets | 67.2505% | 2,827 |
| Net loans and leases to deposits | 84.4780% | 2,310 |
| Net loans and leases to core deposits | 91.0089% | 2,316 |
| Total domestic deposits to total assets | 79.6071% | 4,839 |
| Equity capital to assets | 9.8676% | 4,119 |
| Core capital (leverage) ratio | 8.6198% | 5,309 |
| Tier 1 risk-based capital ratio | 11.0377% | 5,504 |
| Total risk-based capital ratio | 11.8122% | 5,668 |
| Memoranda: | ||
| Average total assets | $1,127,359,400 | 622 |
| Average earning assets | $1,014,084,400 | 632 |
| Average equity | $109,087,000 | 705 |
| Average total loans | $736,337,400 | 635 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9331% | 3,617 |
| Cost of funding earning assets | 0.2993% | 4,347 |
| Net interest margin | 3.6338% | 3,018 |
| Noninterest income to average assets | 0.6143% | 2,665 |
| Noninterest expense to average assets | 2.6723% | 3,660 |
| Loan and lease loss provision to assets | 0.0475% | 3,256 |
| Net operating income to assets | 0.8382% | 3,230 |
| Return on assets (ROA) | 0.8382% | 3,314 |
| Pretax return on assets | 1.1594% | 2,975 |
| Return on Equity (ROE) | 8.7059% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.6713% | 1,851 |
| Net charge-offs to loans | -0.0439% | 5,503 |
| Credit loss provision to net charge-offs | -167.3640% | 5,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9694% | 3,546 |
| Assets per employee ($millions) | 4.1061% | 3,691 |
| Cash dividends to net income (ytd only)* | 23.3712% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 5,201 |
| Loan loss allowance to noncurrent loans | 84.6405% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.0962% | 2,161 |
| Noncurrent loans to loans | 1.0641% | 2,355 |
| Net loans and leases to total assets | 65.1417% | 3,135 |
| Net loans and leases to deposits | 77.3997% | 3,157 |
| Net loans and leases to core deposits | 83.1117% | 3,142 |
| Total domestic deposits to total assets | 84.1627% | 3,358 |
| Equity capital to assets | 9.7436% | 4,465 |
| Core capital (leverage) ratio | 8.6748% | 5,380 |
| Tier 1 risk-based capital ratio | 11.2753% | 5,504 |
| Total risk-based capital ratio | 12.0750% | 5,672 |
| Memoranda: | ||
| Average total assets | $1,123,051,750 | 631 |
| Average earning assets | $1,009,058,000 | 640 |
| Average equity | $108,122,750 | 721 |
| Average total loans | $726,299,500 | 646 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 3,596 |
| Cost of funding earning assets | 0.3026% | 4,369 |
| Net interest margin | 3.6224% | 3,005 |
| Noninterest income to average assets | 0.5898% | 2,796 |
| Noninterest expense to average assets | 2.6695% | 3,692 |
| Loan and lease loss provision to assets | 0.0268% | 3,600 |
| Net operating income to assets | 0.8284% | 3,223 |
| Return on assets (ROA) | 0.8284% | 3,337 |
| Pretax return on assets | 1.1455% | 2,987 |
| Return on Equity (ROE) | 8.6399% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.4016% | 2,003 |
| Net charge-offs to loans | -0.0484% | 5,534 |
| Credit loss provision to net charge-offs | -86.2069% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5536% | 3,583 |
| Assets per employee ($millions) | 4.0602% | 3,763 |
| Cash dividends to net income (ytd only)* | 25.9067% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 5,388 |
| Loan loss allowance to noncurrent loans | 97.1840% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 2,531 |
| Noncurrent loans to loans | 0.9012% | 2,872 |
| Net loans and leases to total assets | 65.0639% | 3,114 |
| Net loans and leases to deposits | 75.9274% | 3,284 |
| Net loans and leases to core deposits | 81.6725% | 3,219 |
| Total domestic deposits to total assets | 85.6922% | 2,843 |
| Equity capital to assets | 9.6523% | 4,464 |
| Core capital (leverage) ratio | 8.4462% | 5,585 |
| Tier 1 risk-based capital ratio | 11.4943% | 5,468 |
| Total risk-based capital ratio | 12.2851% | 5,615 |
| Memoranda: | ||
| Average total assets | $1,118,273,330 | 636 |
| Average earning assets | $1,003,923,000 | 646 |
| Average equity | $107,223,000 | 726 |
| Average total loans | $719,183,670 | 652 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8478% | 3,834 |
| Cost of funding earning assets | 0.3016% | 4,424 |
| Net interest margin | 3.5462% | 3,239 |
| Noninterest income to average assets | 0.5962% | 2,666 |
| Noninterest expense to average assets | 2.6349% | 3,807 |
| Loan and lease loss provision to assets | 0.0533% | 2,879 |
| Net operating income to assets | 0.7945% | 3,293 |
| Return on assets (ROA) | 0.7945% | 3,423 |
| Pretax return on assets | 1.0973% | 3,091 |
| Return on Equity (ROE) | 8.3144% | 2,801 |
| Retained earnings to average equity (ytd only) | 6.6313% | 2,174 |
| Net charge-offs to loans | 0.1774% | 1,217 |
| Credit loss provision to net charge-offs | 47.1519% | 2,129 |
| Earnings coverage of net charge-offs (x) | 10.1867% | 1,951 |
| Efficiency ratio | 68.6621% | 3,717 |
| Assets per employee ($millions) | 4.1198% | 3,727 |
| Cash dividends to net income (ytd only)* | 20.2429% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 5,628 |
| Loan loss allowance to noncurrent loans | 92.3221% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 2,632 |
| Noncurrent loans to loans | 0.8943% | 3,005 |
| Net loans and leases to total assets | 62.1752% | 3,339 |
| Net loans and leases to deposits | 72.6287% | 3,476 |
| Net loans and leases to core deposits | 77.8614% | 3,395 |
| Total domestic deposits to total assets | 85.6069% | 3,133 |
| Equity capital to assets | 9.4482% | 4,807 |
| Core capital (leverage) ratio | 8.5168% | 5,505 |
| Tier 1 risk-based capital ratio | 12.4667% | 4,927 |
| Total risk-based capital ratio | 13.2443% | 5,137 |
| Memoranda: | ||
| Average total assets | $1,119,126,500 | 630 |
| Average earning assets | $1,006,491,000 | 640 |
| Average equity | $106,947,500 | 723 |
| Average total loans | $712,325,000 | 654 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 3,796 |
| Cost of funding earning assets | 0.3055% | 4,738 |
| Net interest margin | 3.6745% | 3,108 |
| Noninterest income to average assets | 0.6418% | 2,606 |
| Noninterest expense to average assets | 2.8015% | 3,478 |
| Loan and lease loss provision to assets | 0.1391% | 1,902 |
| Net operating income to assets | 0.7255% | 3,767 |
| Return on assets (ROA) | 0.7242% | 3,879 |
| Pretax return on assets | 0.9922% | 3,527 |
| Return on Equity (ROE) | 7.4296% | 3,406 |
| Retained earnings to average equity (ytd only) | 2.2887% | 4,609 |
| Net charge-offs to loans | 0.1660% | 2,375 |
| Credit loss provision to net charge-offs | 134.9191% | 1,748 |
| Earnings coverage of net charge-offs (x) | 10.9914% | 2,560 |
| Efficiency ratio | 70.2403% | 3,493 |
| Assets per employee ($millions) | 3.9744% | 4,015 |
| Cash dividends to net income (ytd only)* | 69.1943% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 5,595 |
| Loan loss allowance to noncurrent loans | 90.6320% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 2,620 |
| Noncurrent loans to loans | 0.9517% | 2,948 |
| Net loans and leases to total assets | 64.0956% | 3,211 |
| Net loans and leases to deposits | 79.0229% | 2,827 |
| Net loans and leases to core deposits | 85.8150% | 2,708 |
| Total domestic deposits to total assets | 81.1101% | 4,715 |
| Equity capital to assets | 9.6696% | 4,511 |
| Core capital (leverage) ratio | 8.3916% | 5,675 |
| Tier 1 risk-based capital ratio | 11.4189% | 5,703 |
| Total risk-based capital ratio | 12.2027% | 5,853 |
| Memoranda: | ||
| Average total assets | $1,019,683,000 | 662 |
| Average earning assets | $913,712,200 | 671 |
| Average equity | $99,399,800 | 738 |
| Average total loans | $632,960,600 | 691 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9665% | 3,900 |
| Cost of funding earning assets | 0.3042% | 4,850 |
| Net interest margin | 3.6623% | 3,181 |
| Noninterest income to average assets | 0.6211% | 2,741 |
| Noninterest expense to average assets | 2.7968% | 3,470 |
| Loan and lease loss provision to assets | 0.1686% | 1,463 |
| Net operating income to assets | 0.6868% | 4,011 |
| Return on assets (ROA) | 0.6856% | 4,102 |
| Pretax return on assets | 0.9372% | 3,833 |
| Return on Equity (ROE) | 7.0175% | 3,705 |
| Retained earnings to average equity (ytd only) | 0.5302% | 5,651 |
| Net charge-offs to loans | 0.1974% | 1,890 |
| Credit loss provision to net charge-offs | 139.1209% | 1,688 |
| Earnings coverage of net charge-offs (x) | 9.1407% | 2,707 |
| Efficiency ratio | 70.6544% | 3,398 |
| Assets per employee ($millions) | 3.8398% | 4,213 |
| Cash dividends to net income (ytd only)* | 92.4452% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 5,583 |
| Loan loss allowance to noncurrent loans | 99.1849% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0613% | 2,835 |
| Noncurrent loans to loans | 0.9137% | 3,275 |
| Net loans and leases to total assets | 62.0949% | 3,473 |
| Net loans and leases to deposits | 73.6766% | 3,472 |
| Net loans and leases to core deposits | 79.6482% | 3,357 |
| Total domestic deposits to total assets | 84.2803% | 3,648 |
| Equity capital to assets | 9.6235% | 4,642 |
| Core capital (leverage) ratio | 8.3127% | 5,830 |
| Tier 1 risk-based capital ratio | 11.6445% | 5,706 |
| Total risk-based capital ratio | 12.4557% | 5,856 |
| Memoranda: | ||
| Average total assets | $1,001,363,750 | 673 |
| Average earning assets | $897,699,500 | 683 |
| Average equity | $97,828,500 | 746 |
| Average total loans | $614,542,250 | 709 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 4,255 |
| Cost of funding earning assets | 0.2864% | 5,116 |
| Net interest margin | 3.5856% | 3,424 |
| Noninterest income to average assets | 0.5961% | 2,837 |
| Noninterest expense to average assets | 2.7612% | 3,655 |
| Loan and lease loss provision to assets | 0.1298% | 1,902 |
| Net operating income to assets | 0.6797% | 3,943 |
| Return on assets (ROA) | 0.6797% | 4,042 |
| Pretax return on assets | 0.9278% | 3,773 |
| Return on Equity (ROE) | 6.9198% | 3,666 |
| Retained earnings to average equity (ytd only) | 1.3677% | 5,199 |
| Net charge-offs to loans | 0.1222% | 2,450 |
| Credit loss provision to net charge-offs | 174.4505% | 1,307 |
| Earnings coverage of net charge-offs (x) | 14.2088% | 1,920 |
| Efficiency ratio | 71.2932% | 3,455 |
| Assets per employee ($millions) | 3.7982% | 4,258 |
| Cash dividends to net income (ytd only)* | 80.2347% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 5,418 |
| Loan loss allowance to noncurrent loans | 92.1505% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.3249% | 2,467 |
| Noncurrent loans to loans | 1.0672% | 3,097 |
| Net loans and leases to total assets | 60.0120% | 3,710 |
| Net loans and leases to deposits | 68.8626% | 3,953 |
| Net loans and leases to core deposits | 73.8417% | 3,856 |
| Total domestic deposits to total assets | 87.1475% | 2,373 |
| Equity capital to assets | 9.6316% | 4,581 |
| Core capital (leverage) ratio | 8.2690% | 5,873 |
| Tier 1 risk-based capital ratio | 12.1397% | 5,458 |
| Total risk-based capital ratio | 13.0190% | 5,595 |
| Memoranda: | ||
| Average total assets | $978,054,000 | 688 |
| Average earning assets | $879,060,670 | 694 |
| Average equity | $96,072,670 | 755 |
| Average total loans | $595,622,330 | 727 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9027% | 4,079 |
| Cost of funding earning assets | 0.2666% | 5,424 |
| Net interest margin | 3.6361% | 3,113 |
| Noninterest income to average assets | 0.5379% | 3,126 |
| Noninterest expense to average assets | 2.7740% | 3,659 |
| Loan and lease loss provision to assets | 0.1486% | 1,636 |
| Net operating income to assets | 0.6474% | 3,960 |
| Return on assets (ROA) | 0.6474% | 4,055 |
| Pretax return on assets | 0.8811% | 3,772 |
| Return on Equity (ROE) | 6.5247% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.2110% | 2,431 |
| Net charge-offs to loans | 0.1869% | 1,607 |
| Credit loss provision to net charge-offs | 130.1818% | 1,387 |
| Earnings coverage of net charge-offs (x) | 9.0218% | 1,972 |
| Efficiency ratio | 71.9040% | 3,502 |
| Assets per employee ($millions) | 3.7706% | 4,381 |
| Cash dividends to net income (ytd only)* | 4.8077% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 5,600 |
| Loan loss allowance to noncurrent loans | 214.4280% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.0002% | 3,267 |
| Noncurrent loans to loans | 0.4566% | 4,785 |
| Net loans and leases to total assets | 59.4915% | 3,639 |
| Net loans and leases to deposits | 68.5319% | 3,797 |
| Net loans and leases to core deposits | 73.3764% | 3,719 |
| Total domestic deposits to total assets | 86.8085% | 2,932 |
| Equity capital to assets | 9.8149% | 4,082 |
| Core capital (leverage) ratio | 8.7918% | 5,276 |
| Tier 1 risk-based capital ratio | 12.5066% | 5,311 |
| Total risk-based capital ratio | 13.3763% | 5,488 |
| Memoranda: | ||
| Average total assets | $963,821,000 | 701 |
| Average earning assets | $865,654,500 | 710 |
| Average equity | $95,637,000 | 764 |
| Average total loans | $588,417,500 | 743 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 4,252 |
| Cost of funding earning assets | 0.3453% | 5,195 |
| Net interest margin | 3.6124% | 3,411 |
| Noninterest income to average assets | 0.7002% | 2,540 |
| Noninterest expense to average assets | 2.9357% | 3,253 |
| Loan and lease loss provision to assets | 0.1234% | 2,768 |
| Net operating income to assets | 0.6756% | 3,915 |
| Return on assets (ROA) | 0.6756% | 4,007 |
| Pretax return on assets | 0.9182% | 3,687 |
| Return on Equity (ROE) | 6.8447% | 3,654 |
| Retained earnings to average equity (ytd only) | 3.2434% | 3,920 |
| Net charge-offs to loans | 0.0147% | 5,155 |
| Credit loss provision to net charge-offs | 1,434.6667% | 172 |
| Earnings coverage of net charge-offs (x) | 121.1200% | 391 |
| Efficiency ratio | 72.7889% | 3,336 |
| Assets per employee ($millions) | 3.6997% | 4,479 |
| Cash dividends to net income (ytd only)* | 52.6137% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 5,647 |
| Loan loss allowance to noncurrent loans | 171.4970% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0385% | 3,347 |
| Noncurrent loans to loans | 0.5726% | 4,552 |
| Net loans and leases to total assets | 61.4615% | 3,449 |
| Net loans and leases to deposits | 74.6557% | 3,164 |
| Net loans and leases to core deposits | 79.2979% | 3,205 |
| Total domestic deposits to total assets | 82.3266% | 4,756 |
| Equity capital to assets | 10.0360% | 3,718 |
| Core capital (leverage) ratio | 8.8731% | 5,176 |
| Tier 1 risk-based capital ratio | 12.3894% | 5,363 |
| Total risk-based capital ratio | 13.2551% | 5,550 |
| Memoranda: | ||
| Average total assets | $872,147,200 | 757 |
| Average earning assets | $791,191,200 | 764 |
| Average equity | $86,081,800 | 829 |
| Average total loans | $510,530,000 | 834 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 4,400 |
| Cost of funding earning assets | 0.3690% | 5,106 |
| Net interest margin | 3.5578% | 3,621 |
| Noninterest income to average assets | 0.7617% | 2,313 |
| Noninterest expense to average assets | 2.9617% | 3,102 |
| Loan and lease loss provision to assets | 0.1590% | 2,274 |
| Net operating income to assets | 0.6654% | 4,038 |
| Return on assets (ROA) | 0.6654% | 4,175 |
| Pretax return on assets | 0.8761% | 3,982 |
| Return on Equity (ROE) | 6.7725% | 3,773 |
| Retained earnings to average equity (ytd only) | 2.8055% | 4,642 |
| Net charge-offs to loans | 0.0203% | 4,726 |
| Credit loss provision to net charge-offs | 1,360.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 88.5311% | 544 |
| Efficiency ratio | 73.0868% | 3,206 |
| Assets per employee ($millions) | 3.7144% | 4,426 |
| Cash dividends to net income (ytd only)* | 58.5755% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 5,763 |
| Loan loss allowance to noncurrent loans | 179.9492% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 3,472 |
| Noncurrent loans to loans | 0.5506% | 4,822 |
| Net loans and leases to total assets | 59.6121% | 3,759 |
| Net loans and leases to deposits | 70.0040% | 3,786 |
| Net loans and leases to core deposits | 74.0933% | 3,837 |
| Total domestic deposits to total assets | 85.1553% | 3,658 |
| Equity capital to assets | 9.8063% | 4,172 |
| Core capital (leverage) ratio | 8.6890% | 5,550 |
| Tier 1 risk-based capital ratio | 12.4132% | 5,509 |
| Total risk-based capital ratio | 13.2840% | 5,695 |
| Memoranda: | ||
| Average total assets | $855,250,250 | 778 |
| Average earning assets | $777,680,000 | 778 |
| Average equity | $84,024,250 | 853 |
| Average total loans | $492,336,750 | 861 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 4,737 |
| Cost of funding earning assets | 0.4010% | 4,939 |
| Net interest margin | 3.4273% | 4,085 |
| Noninterest income to average assets | 0.8344% | 2,047 |
| Noninterest expense to average assets | 2.9122% | 3,289 |
| Loan and lease loss provision to assets | 0.1603% | 2,321 |
| Net operating income to assets | 0.6772% | 3,922 |
| Return on assets (ROA) | 0.6772% | 4,083 |
| Pretax return on assets | 0.8949% | 3,927 |
| Return on Equity (ROE) | 6.8882% | 3,672 |
| Retained earnings to average equity (ytd only) | 0.7115% | 5,613 |
| Net charge-offs to loans | -0.0026% | 5,555 |
| Credit loss provision to net charge-offs | -11,000.0000% | 6,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3872% | 3,406 |
| Assets per employee ($millions) | 3.6778% | 4,450 |
| Cash dividends to net income (ytd only)* | 89.6700% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 5,939 |
| Loan loss allowance to noncurrent loans | 240.9741% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 3,706 |
| Noncurrent loans to loans | 0.4012% | 5,261 |
| Net loans and leases to total assets | 57.3260% | 4,091 |
| Net loans and leases to deposits | 65.8037% | 4,284 |
| Net loans and leases to core deposits | 69.5508% | 4,317 |
| Total domestic deposits to total assets | 87.1168% | 2,750 |
| Equity capital to assets | 9.4975% | 4,581 |
| Core capital (leverage) ratio | 8.8585% | 5,213 |
| Tier 1 risk-based capital ratio | 12.6955% | 5,357 |
| Total risk-based capital ratio | 13.5601% | 5,566 |
| Memoranda: | ||
| Average total assets | $823,372,670 | 807 |
| Average earning assets | $752,655,670 | 805 |
| Average equity | $80,950,330 | 894 |
| Average total loans | $465,611,330 | 912 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8587% | 4,619 |
| Cost of funding earning assets | 0.4253% | 4,860 |
| Net interest margin | 3.4334% | 3,994 |
| Noninterest income to average assets | 0.9595% | 1,579 |
| Noninterest expense to average assets | 2.8473% | 3,555 |
| Loan and lease loss provision to assets | 0.1651% | 2,215 |
| Net operating income to assets | 0.8236% | 3,033 |
| Return on assets (ROA) | 0.8236% | 3,176 |
| Pretax return on assets | 1.0891% | 3,000 |
| Return on Equity (ROE) | 8.1990% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.1990% | 1,685 |
| Net charge-offs to loans | 0.1144% | 2,741 |
| Credit loss provision to net charge-offs | 259.1667% | 896 |
| Earnings coverage of net charge-offs (x) | 19.6833% | 1,209 |
| Efficiency ratio | 68.4231% | 4,236 |
| Assets per employee ($millions) | 3.8060% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 5,378 |
| Loan loss allowance to noncurrent loans | 149.5742% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 1.5148% | 2,981 |
| Noncurrent loans to loans | 0.7730% | 4,577 |
| Net loans and leases to total assets | 53.3668% | 4,507 |
| Net loans and leases to deposits | 63.6937% | 4,353 |
| Net loans and leases to core deposits | 68.5464% | 4,237 |
| Total domestic deposits to total assets | 83.7865% | 4,560 |
| Equity capital to assets | 9.7081% | 4,552 |
| Core capital (leverage) ratio | 8.4508% | 5,645 |
| Tier 1 risk-based capital ratio | 12.5857% | 5,525 |
| Total risk-based capital ratio | 13.5849% | 5,644 |
| Memoranda: | ||
| Average total assets | $753,273,500 | 898 |
| Average earning assets | $689,351,500 | 888 |
| Average equity | $75,668,000 | 970 |
| Average total loans | $419,532,000 | 1,019 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 5,074 |
| Cost of funding earning assets | 0.6039% | 4,314 |
| Net interest margin | 3.4627% | 4,660 |
| Noninterest income to average assets | 0.7649% | 2,419 |
| Noninterest expense to average assets | 2.9133% | 3,587 |
| Loan and lease loss provision to assets | 0.1733% | 3,455 |
| Net operating income to assets | 0.6488% | 3,994 |
| Return on assets (ROA) | 0.6488% | 4,257 |
| Pretax return on assets | 0.8247% | 4,206 |
| Return on Equity (ROE) | 6.3644% | 3,977 |
| Retained earnings to average equity (ytd only) | 5.0076% | 2,698 |
| Net charge-offs to loans | 0.2578% | 3,396 |
| Credit loss provision to net charge-offs | 121.3439% | 2,358 |
| Earnings coverage of net charge-offs (x) | 6.9881% | 2,697 |
| Efficiency ratio | 73.3646% | 3,177 |
| Assets per employee ($millions) | 3.4720% | 5,066 |
| Cash dividends to net income (ytd only)* | 21.3183% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 5,380 |
| Loan loss allowance to noncurrent loans | 132.8182% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.7103% | 2,833 |
| Noncurrent loans to loans | 0.8603% | 4,460 |
| Net loans and leases to total assets | 56.9042% | 4,132 |
| Net loans and leases to deposits | 69.4333% | 3,776 |
| Net loans and leases to core deposits | 75.3849% | 3,618 |
| Total domestic deposits to total assets | 81.9553% | 5,118 |
| Equity capital to assets | 10.4148% | 3,634 |
| Core capital (leverage) ratio | 8.4182% | 5,734 |
| Tier 1 risk-based capital ratio | 12.6453% | 5,367 |
| Total risk-based capital ratio | 13.6362% | 5,504 |
| Memoranda: | ||
| Average total assets | $708,589,800 | 930 |
| Average earning assets | $643,861,200 | 937 |
| Average equity | $72,229,800 | 974 |
| Average total loans | $392,576,000 | 1,064 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 5,182 |
| Cost of funding earning assets | 0.6534% | 4,167 |
| Net interest margin | 3.4481% | 4,849 |
| Noninterest income to average assets | 0.7214% | 2,614 |
| Noninterest expense to average assets | 2.9066% | 3,573 |
| Loan and lease loss provision to assets | 0.1405% | 3,782 |
| Net operating income to assets | 0.5984% | 4,407 |
| Return on assets (ROA) | 0.5984% | 4,670 |
| Pretax return on assets | 0.8065% | 4,459 |
| Return on Equity (ROE) | 5.9033% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.7297% | 3,575 |
| Net charge-offs to loans | 0.2943% | 2,966 |
| Credit loss provision to net charge-offs | 87.0175% | 3,393 |
| Earnings coverage of net charge-offs (x) | 5.8655% | 2,909 |
| Efficiency ratio | 74.2882% | 2,936 |
| Assets per employee ($millions) | 3.4164% | 5,171 |
| Cash dividends to net income (ytd only)* | 19.8801% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 5,638 |
| Loan loss allowance to noncurrent loans | 119.3706% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.8838% | 2,809 |
| Noncurrent loans to loans | 0.9380% | 4,559 |
| Net loans and leases to total assets | 53.6478% | 4,803 |
| Net loans and leases to deposits | 63.4991% | 4,776 |
| Net loans and leases to core deposits | 68.7752% | 4,640 |
| Total domestic deposits to total assets | 84.4860% | 3,987 |
| Equity capital to assets | 10.2586% | 4,124 |
| Core capital (leverage) ratio | 8.3838% | 5,916 |
| Tier 1 risk-based capital ratio | 12.6780% | 5,497 |
| Total risk-based capital ratio | 13.6208% | 5,692 |
| Memoranda: | ||
| Average total assets | $706,063,000 | 938 |
| Average earning assets | $641,384,250 | 945 |
| Average equity | $71,574,500 | 992 |
| Average total loans | $387,296,000 | 1,088 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1766% | 5,035 |
| Cost of funding earning assets | 0.6857% | 4,138 |
| Net interest margin | 3.4909% | 4,715 |
| Noninterest income to average assets | 0.7043% | 2,640 |
| Noninterest expense to average assets | 2.9215% | 3,538 |
| Loan and lease loss provision to assets | 0.1069% | 4,188 |
| Net operating income to assets | 0.6257% | 4,247 |
| Return on assets (ROA) | 0.6257% | 4,494 |
| Pretax return on assets | 0.8457% | 4,295 |
| Return on Equity (ROE) | 6.1982% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.4057% | 3,041 |
| Net charge-offs to loans | 0.2164% | 3,281 |
| Credit loss provision to net charge-offs | 89.6882% | 3,059 |
| Earnings coverage of net charge-offs (x) | 7.9952% | 2,378 |
| Efficiency ratio | 74.2680% | 3,034 |
| Assets per employee ($millions) | 3.3619% | 5,298 |
| Cash dividends to net income (ytd only)* | 12.7854% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 5,531 |
| Loan loss allowance to noncurrent loans | 127.3660% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 1.7449% | 3,110 |
| Noncurrent loans to loans | 0.9099% | 4,679 |
| Net loans and leases to total assets | 54.4964% | 4,707 |
| Net loans and leases to deposits | 65.6002% | 4,555 |
| Net loans and leases to core deposits | 71.4394% | 4,363 |
| Total domestic deposits to total assets | 83.0735% | 4,730 |
| Equity capital to assets | 10.3441% | 3,893 |
| Core capital (leverage) ratio | 8.3645% | 5,838 |
| Tier 1 risk-based capital ratio | 12.7747% | 5,357 |
| Total risk-based capital ratio | 13.7510% | 5,546 |
| Memoranda: | ||
| Average total assets | $699,991,000 | 947 |
| Average earning assets | $635,594,000 | 951 |
| Average equity | $70,665,670 | 995 |
| Average total loans | $385,408,000 | 1,098 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 5,129 |
| Cost of funding earning assets | 0.7040% | 4,243 |
| Net interest margin | 3.4886% | 4,761 |
| Noninterest income to average assets | 0.7139% | 2,590 |
| Noninterest expense to average assets | 2.9728% | 3,370 |
| Loan and lease loss provision to assets | 0.0868% | 4,296 |
| Net operating income to assets | 0.6088% | 4,304 |
| Return on assets (ROA) | 0.6088% | 4,515 |
| Pretax return on assets | 0.8213% | 4,338 |
| Return on Equity (ROE) | 6.1061% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.5023% | 3,887 |
| Net charge-offs to loans | 0.3021% | 2,452 |
| Credit loss provision to net charge-offs | 52.2337% | 3,243 |
| Earnings coverage of net charge-offs (x) | 5.4639% | 2,366 |
| Efficiency ratio | 75.4673% | 2,858 |
| Assets per employee ($millions) | 3.4488% | 5,239 |
| Cash dividends to net income (ytd only)* | 26.2664% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 5,744 |
| Loan loss allowance to noncurrent loans | 77.6416% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.9377% | 2,988 |
| Noncurrent loans to loans | 1.4712% | 3,914 |
| Net loans and leases to total assets | 52.4936% | 4,949 |
| Net loans and leases to deposits | 62.5432% | 4,838 |
| Net loans and leases to core deposits | 68.2626% | 4,653 |
| Total domestic deposits to total assets | 83.9317% | 4,525 |
| Equity capital to assets | 9.7668% | 4,428 |
| Core capital (leverage) ratio | 8.3468% | 5,815 |
| Tier 1 risk-based capital ratio | 12.5612% | 5,556 |
| Total risk-based capital ratio | 13.5203% | 5,744 |
| Memoranda: | ||
| Average total assets | $700,346,000 | 946 |
| Average earning assets | $635,783,500 | 949 |
| Average equity | $69,831,500 | 997 |
| Average total loans | $385,336,500 | 1,102 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 4,985 |
| Cost of funding earning assets | 0.9602% | 3,643 |
| Net interest margin | 3.5616% | 4,887 |
| Noninterest income to average assets | 0.6901% | 2,664 |
| Noninterest expense to average assets | 2.9036% | 3,944 |
| Loan and lease loss provision to assets | 0.2472% | 3,737 |
| Net operating income to assets | 0.5891% | 4,060 |
| Return on assets (ROA) | 0.5886% | 4,242 |
| Pretax return on assets | 0.7837% | 4,039 |
| Return on Equity (ROE) | 5.5364% | 4,115 |
| Retained earnings to average equity (ytd only) | 4.6970% | 2,855 |
| Net charge-offs to loans | 0.4389% | 3,245 |
| Credit loss provision to net charge-offs | 93.2656% | 3,865 |
| Earnings coverage of net charge-offs (x) | 3.8926% | 3,344 |
| Efficiency ratio | 73.1913% | 3,361 |
| Assets per employee ($millions) | 3.3328% | 5,426 |
| Cash dividends to net income (ytd only)* | 15.1602% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,567 |
| Loan loss allowance to noncurrent loans | 80.2526% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.7538% | 3,322 |
| Noncurrent loans to loans | 1.4490% | 3,993 |
| Net loans and leases to total assets | 56.3937% | 4,635 |
| Net loans and leases to deposits | 67.5840% | 4,497 |
| Net loans and leases to core deposits | 73.9017% | 4,256 |
| Total domestic deposits to total assets | 83.4424% | 4,571 |
| Equity capital to assets | 10.1875% | 3,925 |
| Core capital (leverage) ratio | 8.3237% | 5,825 |
| Tier 1 risk-based capital ratio | 12.3522% | 5,579 |
| Total risk-based capital ratio | 13.3402% | 5,750 |
| Memoranda: | ||
| Average total assets | $593,958,200 | 1,111 |
| Average earning assets | $541,164,200 | 1,102 |
| Average equity | $63,146,200 | 1,068 |
| Average total loans | $358,661,600 | 1,179 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 5,238 |
| Cost of funding earning assets | 1.0302% | 3,466 |
| Net interest margin | 3.4764% | 5,288 |
| Noninterest income to average assets | 0.6512% | 2,871 |
| Noninterest expense to average assets | 2.7932% | 4,369 |
| Loan and lease loss provision to assets | 0.2057% | 3,964 |
| Net operating income to assets | 0.5638% | 4,257 |
| Return on assets (ROA) | 0.5632% | 4,425 |
| Pretax return on assets | 0.8256% | 4,033 |
| Return on Equity (ROE) | 5.2322% | 4,432 |
| Retained earnings to average equity (ytd only) | 4.6912% | 3,387 |
| Net charge-offs to loans | 0.4637% | 2,880 |
| Credit loss provision to net charge-offs | 72.2586% | 4,409 |
| Earnings coverage of net charge-offs (x) | 3.6268% | 3,362 |
| Efficiency ratio | 72.6393% | 3,432 |
| Assets per employee ($millions) | 3.4390% | 5,147 |
| Cash dividends to net income (ytd only)* | 10.3393% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 5,897 |
| Loan loss allowance to noncurrent loans | 94.4371% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.5591% | 3,753 |
| Noncurrent loans to loans | 1.1634% | 4,595 |
| Net loans and leases to total assets | 54.3605% | 5,119 |
| Net loans and leases to deposits | 64.8367% | 5,069 |
| Net loans and leases to core deposits | 70.5402% | 4,882 |
| Total domestic deposits to total assets | 83.8421% | 4,306 |
| Equity capital to assets | 9.6545% | 4,848 |
| Core capital (leverage) ratio | 9.9766% | 3,474 |
| Tier 1 risk-based capital ratio | 12.9558% | 5,134 |
| Total risk-based capital ratio | 13.9552% | 5,303 |
| Memoranda: | ||
| Average total assets | $572,474,500 | 1,163 |
| Average earning assets | $522,711,000 | 1,151 |
| Average equity | $61,616,750 | 1,099 |
| Average total loans | $351,345,000 | 1,218 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8228% | 3,988 |
| Cost of funding earning assets | 1.1649% | 2,809 |
| Net interest margin | 3.6579% | 4,485 |
| Noninterest income to average assets | 0.6674% | 2,731 |
| Noninterest expense to average assets | 2.8990% | 4,026 |
| Loan and lease loss provision to assets | 0.2477% | 3,433 |
| Net operating income to assets | 0.6066% | 4,033 |
| Return on assets (ROA) | 0.6055% | 4,171 |
| Pretax return on assets | 0.8775% | 3,727 |
| Return on Equity (ROE) | 5.3776% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.3776% | 2,757 |
| Net charge-offs to loans | 0.6656% | 2,172 |
| Credit loss provision to net charge-offs | 57.9414% | 4,395 |
| Earnings coverage of net charge-offs (x) | 2.6353% | 3,514 |
| Efficiency ratio | 71.6803% | 3,802 |
| Assets per employee ($millions) | 3.5491% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 5,566 |
| Loan loss allowance to noncurrent loans | 100.0725% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 2.0287% | 3,194 |
| Noncurrent loans to loans | 1.1944% | 4,659 |
| Net loans and leases to total assets | 63.4863% | 3,581 |
| Net loans and leases to deposits | 79.9235% | 2,815 |
| Net loans and leases to core deposits | 89.8972% | 2,382 |
| Total domestic deposits to total assets | 79.4338% | 5,970 |
| Equity capital to assets | 12.5820% | 1,738 |
| Core capital (leverage) ratio | 12.3087% | 1,448 |
| Tier 1 risk-based capital ratio | 17.3750% | 2,388 |
| Total risk-based capital ratio | 18.4658% | 2,415 |
| Memoranda: | ||
| Average total assets | $527,154,670 | 1,275 |
| Average earning assets | $483,996,670 | 1,265 |
| Average equity | $59,357,000 | 1,131 |
| Average total loans | $338,664,670 | 1,277 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 4,081 |
| Cost of funding earning assets | 1.2001% | 2,816 |
| Net interest margin | 3.5943% | 4,591 |
| Noninterest income to average assets | 0.6848% | 2,658 |
| Noninterest expense to average assets | 2.9466% | 3,869 |
| Loan and lease loss provision to assets | 0.2672% | 3,002 |
| Net operating income to assets | 0.5321% | 4,344 |
| Return on assets (ROA) | 0.5321% | 4,431 |
| Pretax return on assets | 0.7708% | 4,014 |
| Return on Equity (ROE) | 5.0310% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.0310% | 3,173 |
| Net charge-offs to loans | 0.7924% | 1,634 |
| Credit loss provision to net charge-offs | 52.4887% | 3,703 |
| Earnings coverage of net charge-offs (x) | 2.0392% | 3,280 |
| Efficiency ratio | 73.6224% | 3,584 |
| Assets per employee ($millions) | 3.5508% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 5,250 |
| Loan loss allowance to noncurrent loans | 95.5151% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.9208% | 3,412 |
| Noncurrent loans to loans | 1.3373% | 4,474 |
| Net loans and leases to total assets | 61.6037% | 3,948 |
| Net loans and leases to deposits | 76.8681% | 3,278 |
| Net loans and leases to core deposits | 86.0633% | 2,863 |
| Total domestic deposits to total assets | 80.1421% | 5,905 |
| Equity capital to assets | 10.2899% | 3,427 |
| Core capital (leverage) ratio | 10.5588% | 2,550 |
| Tier 1 risk-based capital ratio | 15.0142% | 3,419 |
| Total risk-based capital ratio | 16.1979% | 3,414 |
| Memoranda: | ||
| Average total assets | $521,000,500 | 1,299 |
| Average earning assets | $478,308,000 | 1,288 |
| Average equity | $55,098,000 | 1,202 |
| Average total loans | $334,683,000 | 1,309 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1522% | 3,839 |
| Cost of funding earning assets | 1.5230% | 2,513 |
| Net interest margin | 3.6292% | 4,677 |
| Noninterest income to average assets | 0.8544% | 2,035 |
| Noninterest expense to average assets | 3.0791% | 3,550 |
| Loan and lease loss provision to assets | 0.1972% | 5,259 |
| Net operating income to assets | 0.6687% | 3,352 |
| Return on assets (ROA) | 0.6054% | 3,812 |
| Pretax return on assets | 0.8080% | 3,601 |
| Return on Equity (ROE) | 5.6058% | 3,784 |
| Retained earnings to average equity (ytd only) | 4.3981% | 2,775 |
| Net charge-offs to loans | 0.3418% | 4,304 |
| Credit loss provision to net charge-offs | 87.1454% | 5,240 |
| Earnings coverage of net charge-offs (x) | 4.8147% | 2,794 |
| Efficiency ratio | 73.5284% | 3,482 |
| Assets per employee ($millions) | 3.2615% | 5,511 |
| Cash dividends to net income (ytd only)* | 21.5446% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 4,570 |
| Loan loss allowance to noncurrent loans | 87.3935% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 2.2354% | 3,045 |
| Noncurrent loans to loans | 1.5885% | 4,118 |
| Net loans and leases to total assets | 65.2941% | 3,600 |
| Net loans and leases to deposits | 83.2047% | 2,588 |
| Net loans and leases to core deposits | 94.3131% | 2,219 |
| Total domestic deposits to total assets | 78.4740% | 6,222 |
| Equity capital to assets | 10.8822% | 2,793 |
| Core capital (leverage) ratio | 10.6606% | 2,404 |
| Tier 1 risk-based capital ratio | 14.9687% | 3,271 |
| Total risk-based capital ratio | 16.1878% | 3,241 |
| Memoranda: | ||
| Average total assets | $498,387,800 | 1,350 |
| Average earning assets | $455,167,800 | 1,344 |
| Average equity | $53,819,200 | 1,241 |
| Average total loans | $330,049,600 | 1,356 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1957% | 3,855 |
| Cost of funding earning assets | 1.5995% | 2,388 |
| Net interest margin | 3.5961% | 4,898 |
| Noninterest income to average assets | 0.8403% | 2,030 |
| Noninterest expense to average assets | 3.0383% | 3,616 |
| Loan and lease loss provision to assets | 0.2021% | 5,028 |
| Net operating income to assets | 0.6129% | 3,821 |
| Return on assets (ROA) | 0.5570% | 4,227 |
| Pretax return on assets | 0.7996% | 3,905 |
| Return on Equity (ROE) | 5.1681% | 4,211 |
| Retained earnings to average equity (ytd only) | 3.5515% | 3,951 |
| Net charge-offs to loans | 0.3849% | 3,749 |
| Credit loss provision to net charge-offs | 79.2850% | 5,161 |
| Earnings coverage of net charge-offs (x) | 4.2429% | 3,141 |
| Efficiency ratio | 73.4092% | 3,435 |
| Assets per employee ($millions) | 3.4049% | 5,194 |
| Cash dividends to net income (ytd only)* | 31.2802% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 4,681 |
| Loan loss allowance to noncurrent loans | 99.1960% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 2.2035% | 3,193 |
| Noncurrent loans to loans | 1.3693% | 4,569 |
| Net loans and leases to total assets | 65.7866% | 3,736 |
| Net loans and leases to deposits | 83.9082% | 2,721 |
| Net loans and leases to core deposits | 94.3747% | 2,476 |
| Total domestic deposits to total assets | 78.4031% | 6,169 |
| Equity capital to assets | 10.8039% | 3,163 |
| Core capital (leverage) ratio | 10.7903% | 2,423 |
| Tier 1 risk-based capital ratio | 14.7222% | 3,381 |
| Total risk-based capital ratio | 15.9723% | 3,368 |
| Memoranda: | ||
| Average total assets | $497,415,500 | 1,369 |
| Average earning assets | $453,623,500 | 1,365 |
| Average equity | $53,609,250 | 1,248 |
| Average total loans | $329,418,500 | 1,371 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2312% | 3,797 |
| Cost of funding earning assets | 1.7111% | 2,063 |
| Net interest margin | 3.5200% | 5,164 |
| Noninterest income to average assets | 0.7661% | 2,296 |
| Noninterest expense to average assets | 2.9803% | 3,779 |
| Loan and lease loss provision to assets | 0.1543% | 5,357 |
| Net operating income to assets | 0.5834% | 3,938 |
| Return on assets (ROA) | 0.5561% | 4,198 |
| Pretax return on assets | 0.8061% | 3,856 |
| Return on Equity (ROE) | 5.1639% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.6639% | 3,766 |
| Net charge-offs to loans | 0.5202% | 2,971 |
| Credit loss provision to net charge-offs | 44.8884% | 5,524 |
| Earnings coverage of net charge-offs (x) | 2.9095% | 3,540 |
| Efficiency ratio | 74.5231% | 3,362 |
| Assets per employee ($millions) | 3.2224% | 5,630 |
| Cash dividends to net income (ytd only)* | 29.0487% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,946 |
| Loan loss allowance to noncurrent loans | 79.0317% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 2.2073% | 3,250 |
| Noncurrent loans to loans | 1.6389% | 4,251 |
| Net loans and leases to total assets | 65.9256% | 3,850 |
| Net loans and leases to deposits | 81.1136% | 3,415 |
| Net loans and leases to core deposits | 91.3048% | 3,081 |
| Total domestic deposits to total assets | 81.2757% | 5,301 |
| Equity capital to assets | 10.8406% | 3,038 |
| Core capital (leverage) ratio | 10.5648% | 2,571 |
| Tier 1 risk-based capital ratio | 14.7467% | 3,299 |
| Total risk-based capital ratio | 15.9542% | 3,296 |
| Memoranda: | ||
| Average total assets | $495,247,330 | 1,376 |
| Average earning assets | $452,210,670 | 1,377 |
| Average equity | $53,331,330 | 1,247 |
| Average total loans | $327,199,000 | 1,398 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1972% | 4,036 |
| Cost of funding earning assets | 1.8087% | 1,840 |
| Net interest margin | 3.3885% | 5,630 |
| Noninterest income to average assets | 0.7543% | 2,275 |
| Noninterest expense to average assets | 2.9348% | 3,930 |
| Loan and lease loss provision to assets | 0.1334% | 5,233 |
| Net operating income to assets | 0.5432% | 4,165 |
| Return on assets (ROA) | 0.4835% | 4,612 |
| Pretax return on assets | 0.7002% | 4,233 |
| Return on Equity (ROE) | 4.5048% | 4,656 |
| Retained earnings to average equity (ytd only) | 1.4916% | 5,198 |
| Net charge-offs to loans | 0.5205% | 2,506 |
| Credit loss provision to net charge-offs | 39.0071% | 4,657 |
| Earnings coverage of net charge-offs (x) | 2.6903% | 3,192 |
| Efficiency ratio | 75.7760% | 3,256 |
| Assets per employee ($millions) | 3.3300% | 5,474 |
| Cash dividends to net income (ytd only)* | 66.8896% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 4,632 |
| Loan loss allowance to noncurrent loans | 101.7164% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 2.0085% | 3,492 |
| Noncurrent loans to loans | 1.3363% | 4,747 |
| Net loans and leases to total assets | 63.7347% | 4,387 |
| Net loans and leases to deposits | 78.4662% | 3,950 |
| Net loans and leases to core deposits | 86.3058% | 3,846 |
| Total domestic deposits to total assets | 81.2257% | 5,371 |
| Equity capital to assets | 10.4186% | 3,324 |
| Core capital (leverage) ratio | 10.4632% | 2,653 |
| Tier 1 risk-based capital ratio | 14.3473% | 3,466 |
| Total risk-based capital ratio | 15.5695% | 3,449 |
| Memoranda: | ||
| Average total assets | $494,744,500 | 1,407 |
| Average earning assets | $452,709,500 | 1,398 |
| Average equity | $53,098,500 | 1,259 |
| Average total loans | $325,073,000 | 1,450 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5881% | 3,665 |
| Cost of funding earning assets | 2.2619% | 1,794 |
| Net interest margin | 3.3262% | 5,634 |
| Noninterest income to average assets | 0.9320% | 1,828 |
| Noninterest expense to average assets | 3.1091% | 3,695 |
| Loan and lease loss provision to assets | 0.2511% | 5,388 |
| Net operating income to assets | 0.4779% | 3,823 |
| Return on assets (ROA) | 0.4602% | 4,012 |
| Pretax return on assets | 0.6001% | 3,900 |
| Return on Equity (ROE) | 4.3839% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.3839% | 2,177 |
| Net charge-offs to loans | 0.3832% | 4,290 |
| Credit loss provision to net charge-offs | 98.1286% | 5,678 |
| Earnings coverage of net charge-offs (x) | 3.4166% | 3,352 |
| Efficiency ratio | 77.6907% | 3,244 |
| Assets per employee ($millions) | 3.1778% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,762 |
| Loan loss allowance to noncurrent loans | 81.9057% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 2.1854% | 3,149 |
| Noncurrent loans to loans | 1.8237% | 3,894 |
| Net loans and leases to total assets | 65.8813% | 4,185 |
| Net loans and leases to deposits | 82.5777% | 3,530 |
| Net loans and leases to core deposits | 108.1522% | 3,089 |
| Total domestic deposits to total assets | 79.7810% | 5,738 |
| Equity capital to assets | 11.0702% | 2,653 |
| Core capital (leverage) ratio | 10.6815% | 2,448 |
| Tier 1 risk-based capital ratio | 15.0510% | 2,913 |
| Total risk-based capital ratio | 16.3029% | 2,865 |
| Memoranda: | ||
| Average total assets | $480,274,400 | 1,441 |
| Average earning assets | $440,597,800 | 1,436 |
| Average equity | $50,412,200 | 1,329 |
| Average total loans | $320,710,600 | 1,499 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5800% | 3,973 |
| Cost of funding earning assets | 2.3258% | 1,891 |
| Net interest margin | 3.2542% | 5,809 |
| Noninterest income to average assets | 0.9244% | 1,887 |
| Noninterest expense to average assets | 3.0638% | 3,788 |
| Loan and lease loss provision to assets | 0.2926% | 4,632 |
| Net operating income to assets | 0.3962% | 4,414 |
| Return on assets (ROA) | 0.3962% | 4,513 |
| Pretax return on assets | 0.5586% | 4,336 |
| Return on Equity (ROE) | 3.8268% | 4,448 |
| Retained earnings to average equity (ytd only) | 3.8268% | 3,153 |
| Net charge-offs to loans | 0.4209% | 3,580 |
| Credit loss provision to net charge-offs | 104.1420% | 4,883 |
| Earnings coverage of net charge-offs (x) | 3.0296% | 3,715 |
| Efficiency ratio | 77.8894% | 3,182 |
| Assets per employee ($millions) | 3.1493% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 3,428 |
| Loan loss allowance to noncurrent loans | 73.1142% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 2.2270% | 3,060 |
| Noncurrent loans to loans | 2.0541% | 3,558 |
| Net loans and leases to total assets | 65.2737% | 4,585 |
| Net loans and leases to deposits | 80.9883% | 4,200 |
| Net loans and leases to core deposits | 105.5194% | 3,752 |
| Total domestic deposits to total assets | 80.5964% | 5,219 |
| Equity capital to assets | 10.7405% | 3,254 |
| Core capital (leverage) ratio | 10.5181% | 2,779 |
| Tier 1 risk-based capital ratio | 14.5276% | 3,263 |
| Total risk-based capital ratio | 15.7791% | 3,207 |
| Memoranda: | ||
| Average total assets | $481,176,750 | 1,458 |
| Average earning assets | $442,212,750 | 1,440 |
| Average equity | $49,823,250 | 1,373 |
| Average total loans | $321,189,500 | 1,519 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6281% | 3,924 |
| Cost of funding earning assets | 2.3966% | 1,979 |
| Net interest margin | 3.2315% | 5,802 |
| Noninterest income to average assets | 0.9139% | 1,926 |
| Noninterest expense to average assets | 3.0635% | 3,830 |
| Loan and lease loss provision to assets | 0.4551% | 3,253 |
| Net operating income to assets | 0.2614% | 5,043 |
| Return on assets (ROA) | 0.2400% | 5,217 |
| Pretax return on assets | 0.3338% | 5,116 |
| Return on Equity (ROE) | 2.3478% | 5,161 |
| Retained earnings to average equity (ytd only) | 2.3478% | 4,032 |
| Net charge-offs to loans | 0.3886% | 3,256 |
| Credit loss provision to net charge-offs | 175.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 3.1474% | 3,547 |
| Efficiency ratio | 78.5400% | 3,265 |
| Assets per employee ($millions) | 3.0832% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 2,598 |
| Loan loss allowance to noncurrent loans | 76.7197% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 2.0634% | 3,112 |
| Noncurrent loans to loans | 2.1307% | 3,334 |
| Net loans and leases to total assets | 65.2996% | 4,707 |
| Net loans and leases to deposits | 80.5863% | 4,460 |
| Net loans and leases to core deposits | 106.3062% | 3,803 |
| Total domestic deposits to total assets | 81.0307% | 5,072 |
| Equity capital to assets | 10.5198% | 3,381 |
| Core capital (leverage) ratio | 10.3369% | 2,964 |
| Tier 1 risk-based capital ratio | 14.0597% | 3,480 |
| Total risk-based capital ratio | 15.3126% | 3,422 |
| Memoranda: | ||
| Average total assets | $479,903,000 | 1,475 |
| Average earning assets | $440,792,000 | 1,464 |
| Average equity | $49,067,330 | 1,401 |
| Average total loans | $321,118,330 | 1,549 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7102% | 3,750 |
| Cost of funding earning assets | 2.4796% | 1,992 |
| Net interest margin | 3.2306% | 5,755 |
| Noninterest income to average assets | 0.9033% | 1,837 |
| Noninterest expense to average assets | 3.0028% | 3,757 |
| Loan and lease loss provision to assets | 0.5257% | 2,367 |
| Net operating income to assets | 0.2377% | 5,538 |
| Return on assets (ROA) | 0.2377% | 5,699 |
| Pretax return on assets | 0.3349% | 5,580 |
| Return on Equity (ROE) | 2.3598% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.3598% | 4,564 |
| Net charge-offs to loans | 0.1782% | 3,575 |
| Credit loss provision to net charge-offs | 439.1608% | 1,203 |
| Earnings coverage of net charge-offs (x) | 7.1888% | 2,379 |
| Efficiency ratio | 77.3564% | 3,279 |
| Assets per employee ($millions) | 3.1089% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 2,306 |
| Loan loss allowance to noncurrent loans | 90.8621% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.5205% | 3,653 |
| Noncurrent loans to loans | 1.8186% | 3,535 |
| Net loans and leases to total assets | 65.0887% | 4,797 |
| Net loans and leases to deposits | 80.1686% | 4,582 |
| Net loans and leases to core deposits | 106.9313% | 3,803 |
| Total domestic deposits to total assets | 81.1898% | 4,892 |
| Equity capital to assets | 10.5894% | 3,378 |
| Core capital (leverage) ratio | 10.4459% | 2,987 |
| Tier 1 risk-based capital ratio | 13.6528% | 3,765 |
| Total risk-based capital ratio | 14.9054% | 3,683 |
| Memoranda: | ||
| Average total assets | $477,821,000 | 1,493 |
| Average earning assets | $437,810,000 | 1,482 |
| Average equity | $48,139,500 | 1,430 |
| Average total loans | $321,004,000 | 1,566 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9433% | 1,276 |
| Cost of funding earning assets | 2.9878% | 1,909 |
| Net interest margin | 3.9555% | 3,334 |
| Noninterest income to average assets | 0.6143% | 3,747 |
| Noninterest expense to average assets | 3.0947% | 3,711 |
| Loan and lease loss provision to assets | 0.4411% | 3,088 |
| Net operating income to assets | 0.5057% | 4,703 |
| Return on assets (ROA) | 0.5057% | 4,552 |
| Pretax return on assets | 0.6917% | 4,428 |
| Return on Equity (ROE) | 5.6419% | 4,098 |
| Retained earnings to average equity (ytd only) | 4.3028% | 2,439 |
| Net charge-offs to loans | 0.4693% | 2,483 |
| Credit loss provision to net charge-offs | 134.3693% | 3,960 |
| Earnings coverage of net charge-offs (x) | 3.4509% | 4,362 |
| Efficiency ratio | 72.8778% | 3,773 |
| Assets per employee ($millions) | 2.8033% | 6,550 |
| Cash dividends to net income (ytd only)* | 23.7342% | 4,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 2,784 |
| Loan loss allowance to noncurrent loans | 94.3415% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.4144% | 3,369 |
| Noncurrent loans to loans | 1.5699% | 3,430 |
| Net loans and leases to total assets | 67.1864% | 4,602 |
| Net loans and leases to deposits | 84.0571% | 4,415 |
| Net loans and leases to core deposits | 109.4834% | 3,811 |
| Total domestic deposits to total assets | 79.9295% | 5,048 |
| Equity capital to assets | 9.5514% | 4,611 |
| Core capital (leverage) ratio | 9.2740% | 4,336 |
| Tier 1 risk-based capital ratio | 12.5355% | 4,416 |
| Total risk-based capital ratio | 13.7868% | 4,316 |
| Memoranda: | ||
| Average total assets | $499,924,200 | 1,347 |
| Average earning assets | $456,657,800 | 1,364 |
| Average equity | $44,807,600 | 1,506 |
| Average total loans | $349,675,000 | 1,388 |