Home > American Bank > Performance and Condition Ratios
American 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 | 5.3379% | 1,417 |
| Cost of funding earning assets | 1.1693% | 2,889 |
| Net interest margin | 4.1686% | 980 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 3.0514% | 1,039 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.3275% | 1,373 |
| Return on assets (ROA) | 1.3281% | 1,339 |
| Pretax return on assets | 1.3281% | 1,799 |
| Return on Equity (ROE) | 15.5900% | 1,177 |
| Retained earnings to average equity (ytd only) | 7.4144% | 1,749 |
| Net charge-offs to loans | 0.0543% | 1,321 |
| Credit loss provision to net charge-offs | 308.0774% | 942 |
| Earnings coverage of net charge-offs (x) | 41.2856% | 1,426 |
| Efficiency ratio | 65.9389% | 2,364 |
| Assets per employee ($millions) | 6.5543% | 2,383 |
| Cash dividends to net income (ytd only)* | 52.4324% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,314 |
| Loan loss allowance to noncurrent loans | 1,118.9791% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,159 |
| Noncurrent loans to loans | 0.0893% | 3,097 |
| Net loans and leases to total assets | 68.7600% | 1,950 |
| Net loans and leases to deposits | 79.7176% | 2,139 |
| Net loans and leases to core deposits | 84.5340% | 2,416 |
| Total domestic deposits to total assets | 86.2500% | 1,929 |
| Equity capital to assets | 9.0728% | 2,622 |
| Core capital (leverage) ratio | 9.4036% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2559% | 2,151 |
| Memoranda: | ||
| Average total assets | $2,426,892,000 | 485 |
| Average earning assets | $2,254,835,600 | 472 |
| Average equity | $206,786,000 | 524 |
| Average total loans | $1,618,991,800 | 492 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2437% | 1,369 |
| Cost of funding earning assets | 1.0294% | 2,951 |
| Net interest margin | 4.2143% | 900 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 3.0374% | 1,014 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.4065% | 1,304 |
| Return on assets (ROA) | 1.4074% | 1,290 |
| Pretax return on assets | 1.4074% | 1,764 |
| Return on Equity (ROE) | 16.7900% | 1,115 |
| Retained earnings to average equity (ytd only) | 8.1070% | 1,924 |
| Net charge-offs to loans | 0.0481% | 1,204 |
| Credit loss provision to net charge-offs | 466.6667% | 670 |
| Earnings coverage of net charge-offs (x) | 49.3420% | 1,324 |
| Efficiency ratio | 64.7979% | 2,410 |
| Assets per employee ($millions) | 6.4023% | 2,398 |
| Cash dividends to net income (ytd only)* | 51.7282% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,153 |
| Loan loss allowance to noncurrent loans | 1,411.9415% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,307 |
| Noncurrent loans to loans | 0.0737% | 3,235 |
| Net loans and leases to total assets | 67.0800% | 2,155 |
| Net loans and leases to deposits | 76.8530% | 2,349 |
| Net loans and leases to core deposits | 80.7548% | 2,544 |
| Total domestic deposits to total assets | 87.2800% | 1,809 |
| Equity capital to assets | 8.1769% | 2,944 |
| Core capital (leverage) ratio | 9.3819% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3216% | 2,150 |
| Memoranda: | ||
| Average total assets | $2,417,506,250 | 489 |
| Average earning assets | $2,245,201,000 | 477 |
| Average equity | $202,584,250 | 529 |
| Average total loans | $1,595,833,250 | 496 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 1,302 |
| Cost of funding earning assets | 0.8521% | 3,069 |
| Net interest margin | 4.2883% | 822 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 3.1111% | 895 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.3350% | 1,485 |
| Return on assets (ROA) | 1.3364% | 1,465 |
| Pretax return on assets | 1.3364% | 1,972 |
| Return on Equity (ROE) | 15.8200% | 1,300 |
| Retained earnings to average equity (ytd only) | 6.6506% | 2,396 |
| Net charge-offs to loans | 0.0332% | 1,233 |
| Credit loss provision to net charge-offs | 1,029.8851% | 400 |
| Earnings coverage of net charge-offs (x) | 72.6092% | 1,103 |
| Efficiency ratio | 65.1969% | 2,348 |
| Assets per employee ($millions) | 6.5693% | 2,239 |
| Cash dividends to net income (ytd only)* | 57.9511% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,004 |
| Loan loss allowance to noncurrent loans | 861.5385% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 2,950 |
| Noncurrent loans to loans | 0.1264% | 2,841 |
| Net loans and leases to total assets | 65.6200% | 2,196 |
| Net loans and leases to deposits | 75.3539% | 2,377 |
| Net loans and leases to core deposits | 78.8912% | 2,550 |
| Total domestic deposits to total assets | 87.0800% | 1,908 |
| Equity capital to assets | 8.4870% | 2,879 |
| Core capital (leverage) ratio | 9.3380% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6890% | 2,025 |
| Memoranda: | ||
| Average total assets | $2,401,708,000 | 479 |
| Average earning assets | $2,228,078,000 | 467 |
| Average equity | $202,928,000 | 517 |
| Average total loans | $1,570,828,000 | 492 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 1,292 |
| Cost of funding earning assets | 0.6136% | 3,339 |
| Net interest margin | 4.3520% | 746 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 3.0169% | 1,034 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.5193% | 1,147 |
| Return on assets (ROA) | 1.5193% | 1,129 |
| Pretax return on assets | 1.5193% | 1,627 |
| Return on Equity (ROE) | 18.0200% | 1,025 |
| Retained earnings to average equity (ytd only) | 4.2513% | 3,196 |
| Net charge-offs to loans | 0.0153% | 1,395 |
| Credit loss provision to net charge-offs | 2,515.2542% | 165 |
| Earnings coverage of net charge-offs (x) | 178.8305% | 539 |
| Efficiency ratio | 61.8180% | 2,720 |
| Assets per employee ($millions) | 6.3931% | 2,415 |
| Cash dividends to net income (ytd only)* | 76.4120% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 3,190 |
| Loan loss allowance to noncurrent loans | 1,024.8005% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 3,118 |
| Noncurrent loans to loans | 0.1047% | 3,016 |
| Net loans and leases to total assets | 64.7100% | 2,180 |
| Net loans and leases to deposits | 71.7307% | 2,492 |
| Net loans and leases to core deposits | 73.7512% | 2,693 |
| Total domestic deposits to total assets | 90.2200% | 1,081 |
| Equity capital to assets | 8.5850% | 2,823 |
| Core capital (leverage) ratio | 9.1103% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6182% | 2,129 |
| Memoranda: | ||
| Average total assets | $2,377,380,500 | 495 |
| Average earning assets | $2,202,101,000 | 486 |
| Average equity | $200,411,000 | 533 |
| Average total loans | $1,543,458,500 | 510 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 2,206 |
| Cost of funding earning assets | 0.1546% | 4,101 |
| Net interest margin | 3.6706% | 1,451 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 3.0676% | 876 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1821% | 1,850 |
| Return on assets (ROA) | 1.1821% | 1,782 |
| Pretax return on assets | 1.1821% | 2,502 |
| Return on Equity (ROE) | 14.6100% | 1,365 |
| Retained earnings to average equity (ytd only) | 10.5406% | 997 |
| Net charge-offs to loans | 0.0046% | 2,271 |
| Credit loss provision to net charge-offs | 2,060.3448% | 256 |
| Earnings coverage of net charge-offs (x) | 453.8103% | 357 |
| Efficiency ratio | 71.2417% | 1,534 |
| Assets per employee ($millions) | 6.5469% | 2,300 |
| Cash dividends to net income (ytd only)* | 27.8596% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,407 |
| Loan loss allowance to noncurrent loans | 947.7964% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,117 |
| Noncurrent loans to loans | 0.1052% | 3,018 |
| Net loans and leases to total assets | 63.7900% | 2,266 |
| Net loans and leases to deposits | 70.9590% | 2,488 |
| Net loans and leases to core deposits | 72.3564% | 2,698 |
| Total domestic deposits to total assets | 89.8900% | 1,417 |
| Equity capital to assets | 8.2747% | 2,880 |
| Core capital (leverage) ratio | 8.8358% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5692% | 2,146 |
| Memoranda: | ||
| Average total assets | $2,125,550,000 | 523 |
| Average earning assets | $2,000,047,200 | 506 |
| Average equity | $171,964,200 | 604 |
| Average total loans | $1,252,019,800 | 560 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4395% | 2,805 |
| Cost of funding earning assets | 0.0887% | 4,358 |
| Net interest margin | 3.3508% | 2,134 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 2.8474% | 1,150 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.0515% | 2,280 |
| Return on assets (ROA) | 1.0515% | 2,245 |
| Pretax return on assets | 1.0515% | 2,870 |
| Return on Equity (ROE) | 13.0800% | 1,673 |
| Retained earnings to average equity (ytd only) | 7.4533% | 2,208 |
| Net charge-offs to loans | -0.0060% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6123% | 1,574 |
| Assets per employee ($millions) | 6.3191% | 2,473 |
| Cash dividends to net income (ytd only)* | 43.0293% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,137 |
| Loan loss allowance to noncurrent loans | 972.8020% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,127 |
| Noncurrent loans to loans | 0.1314% | 2,978 |
| Net loans and leases to total assets | 58.1800% | 2,677 |
| Net loans and leases to deposits | 63.4309% | 2,906 |
| Net loans and leases to core deposits | 64.3614% | 3,081 |
| Total domestic deposits to total assets | 91.7200% | 966 |
| Equity capital to assets | 6.8942% | 3,569 |
| Core capital (leverage) ratio | 8.5447% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8439% | 2,116 |
| Memoranda: | ||
| Average total assets | $2,062,802,750 | 531 |
| Average earning assets | $1,949,866,500 | 515 |
| Average equity | $165,792,500 | 625 |
| Average total loans | $1,182,228,250 | 584 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2107% | 3,008 |
| Cost of funding earning assets | 0.0825% | 4,353 |
| Net interest margin | 3.1282% | 2,441 |
| Noninterest income to average assets | 0.8081% | 1,022 |
| Noninterest expense to average assets | 2.7755% | 1,215 |
| Loan and lease loss provision to assets | 0.0759% | 1,270 |
| Net operating income to assets | 0.9164% | 2,511 |
| Return on assets (ROA) | 0.9164% | 2,477 |
| Pretax return on assets | 0.9164% | 3,006 |
| Return on Equity (ROE) | 10.8928% | 2,017 |
| Retained earnings to average equity (ytd only) | 7.0169% | 1,985 |
| Net charge-offs to loans | -0.0099% | 3,591 |
| Credit loss provision to net charge-offs | -1,355.1724% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6628% | 1,552 |
| Assets per employee ($millions) | 6.5662% | 2,264 |
| Cash dividends to net income (ytd only)* | 35.5825% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 2,360 |
| Loan loss allowance to noncurrent loans | 852.3620% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 3,136 |
| Noncurrent loans to loans | 0.1483% | 2,957 |
| Net loans and leases to total assets | 56.1982% | 2,734 |
| Net loans and leases to deposits | 61.5488% | 2,923 |
| Net loans and leases to core deposits | 62.5887% | 3,066 |
| Total domestic deposits to total assets | 91.3067% | 1,103 |
| Equity capital to assets | 7.2779% | 3,611 |
| Core capital (leverage) ratio | 8.5343% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9995% | 2,060 |
| Memoranda: | ||
| Average total assets | $2,070,044,000 | 528 |
| Average earning assets | $1,958,582,333 | 517 |
| Average equity | $174,151,000 | 605 |
| Average total loans | $1,175,371,000 | 578 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0822% | 3,034 |
| Cost of funding earning assets | 0.0842% | 4,306 |
| Net interest margin | 2.9980% | 2,510 |
| Noninterest income to average assets | 0.8187% | 998 |
| Noninterest expense to average assets | 2.7166% | 1,319 |
| Loan and lease loss provision to assets | 0.0752% | 1,096 |
| Net operating income to assets | 0.8679% | 2,425 |
| Return on assets (ROA) | 0.8679% | 2,415 |
| Pretax return on assets | 0.8679% | 2,893 |
| Return on Equity (ROE) | 9.6592% | 2,098 |
| Retained earnings to average equity (ytd only) | 9.6592% | 1,108 |
| Net charge-offs to loans | -0.0065% | 3,432 |
| Credit loss provision to net charge-offs | -2,042.1053% | 3,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2310% | 1,716 |
| Assets per employee ($millions) | 6.4375% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,720 |
| Loan loss allowance to noncurrent loans | 717.6209% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 3,115 |
| Noncurrent loans to loans | 0.1711% | 2,958 |
| Net loans and leases to total assets | 57.1323% | 2,401 |
| Net loans and leases to deposits | 63.3472% | 2,584 |
| Net loans and leases to core deposits | 64.4472% | 2,759 |
| Total domestic deposits to total assets | 90.1892% | 1,450 |
| Equity capital to assets | 8.4716% | 3,184 |
| Core capital (leverage) ratio | 8.5700% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9873% | 2,206 |
| Memoranda: | ||
| Average total assets | $2,064,325,000 | 534 |
| Average earning assets | $1,956,258,500 | 520 |
| Average equity | $185,482,000 | 589 |
| Average total loans | $1,170,691,000 | 577 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9746% | 3,914 |
| Cost of funding earning assets | 0.1198% | 4,222 |
| Net interest margin | 2.8548% | 3,545 |
| Noninterest income to average assets | 0.5738% | 2,263 |
| Noninterest expense to average assets | 2.5716% | 1,952 |
| Loan and lease loss provision to assets | 0.0460% | 2,137 |
| Net operating income to assets | 0.6887% | 3,657 |
| Return on assets (ROA) | 0.7270% | 3,613 |
| Pretax return on assets | 0.7270% | 3,873 |
| Return on Equity (ROE) | 8.5150% | 3,075 |
| Retained earnings to average equity (ytd only) | 3.9738% | 3,228 |
| Net charge-offs to loans | -0.0117% | 3,797 |
| Credit loss provision to net charge-offs | -684.2105% | 3,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7779% | 968 |
| Assets per employee ($millions) | 6.3461% | 2,453 |
| Cash dividends to net income (ytd only)* | 53.3319% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,784 |
| Loan loss allowance to noncurrent loans | 676.1722% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 3,236 |
| Noncurrent loans to loans | 0.1806% | 3,040 |
| Net loans and leases to total assets | 54.9184% | 2,738 |
| Net loans and leases to deposits | 61.5083% | 2,934 |
| Net loans and leases to core deposits | 62.6959% | 3,100 |
| Total domestic deposits to total assets | 89.2862% | 1,356 |
| Equity capital to assets | 9.4902% | 3,156 |
| Core capital (leverage) ratio | 8.4902% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2102% | 2,155 |
| Memoranda: | ||
| Average total assets | $1,979,384,000 | 536 |
| Average earning assets | $1,894,591,000 | 521 |
| Average equity | $169,007,400 | 638 |
| Average total loans | $1,133,461,800 | 585 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9402% | 4,105 |
| Cost of funding earning assets | 0.1287% | 4,273 |
| Net interest margin | 2.8115% | 3,754 |
| Noninterest income to average assets | 0.5815% | 2,292 |
| Noninterest expense to average assets | 2.4911% | 2,145 |
| Loan and lease loss provision to assets | 0.0205% | 2,584 |
| Net operating income to assets | 0.7675% | 3,605 |
| Return on assets (ROA) | 0.8295% | 3,508 |
| Pretax return on assets | 0.8295% | 3,837 |
| Return on Equity (ROE) | 10.0124% | 2,732 |
| Retained earnings to average equity (ytd only) | 3.6908% | 3,681 |
| Net charge-offs to loans | -0.0093% | 3,649 |
| Credit loss provision to net charge-offs | -379.7468% | 3,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9698% | 1,038 |
| Assets per employee ($millions) | 7.0042% | 1,865 |
| Cash dividends to net income (ytd only)* | 63.1375% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,962 |
| Loan loss allowance to noncurrent loans | 630.2293% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 3,387 |
| Noncurrent loans to loans | 0.1914% | 3,179 |
| Net loans and leases to total assets | 55.6457% | 2,770 |
| Net loans and leases to deposits | 60.8468% | 3,153 |
| Net loans and leases to core deposits | 62.1529% | 3,304 |
| Total domestic deposits to total assets | 91.4521% | 246 |
| Equity capital to assets | 8.1974% | 4,408 |
| Core capital (leverage) ratio | 7.8427% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1933% | 2,296 |
| Memoranda: | ||
| Average total assets | $1,953,851,000 | 549 |
| Average earning assets | $1,874,671,250 | 527 |
| Average equity | $161,874,500 | 675 |
| Average total loans | $1,127,510,250 | 601 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9017% | 4,223 |
| Cost of funding earning assets | 0.1378% | 4,297 |
| Net interest margin | 2.7639% | 3,865 |
| Noninterest income to average assets | 0.6071% | 2,183 |
| Noninterest expense to average assets | 2.4027% | 2,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8539% | 3,354 |
| Return on assets (ROA) | 0.9464% | 3,156 |
| Pretax return on assets | 0.9464% | 3,552 |
| Return on Equity (ROE) | 11.3824% | 2,276 |
| Retained earnings to average equity (ytd only) | 3.7744% | 3,590 |
| Net charge-offs to loans | -0.0265% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7785% | 1,260 |
| Assets per employee ($millions) | 6.9563% | 1,839 |
| Cash dividends to net income (ytd only)* | 66.8406% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 3,173 |
| Loan loss allowance to noncurrent loans | 504.1508% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 3,357 |
| Noncurrent loans to loans | 0.2288% | 3,144 |
| Net loans and leases to total assets | 57.2293% | 2,761 |
| Net loans and leases to deposits | 63.4195% | 3,061 |
| Net loans and leases to core deposits | 65.0379% | 3,191 |
| Total domestic deposits to total assets | 90.2392% | 674 |
| Equity capital to assets | 8.0839% | 4,486 |
| Core capital (leverage) ratio | 7.9423% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3701% | 2,216 |
| Memoranda: | ||
| Average total assets | $1,944,403,333 | 543 |
| Average earning assets | $1,863,950,667 | 526 |
| Average equity | $161,670,000 | 669 |
| Average total loans | $1,131,189,000 | 602 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9335% | 4,206 |
| Cost of funding earning assets | 0.1516% | 4,293 |
| Net interest margin | 2.7819% | 3,801 |
| Noninterest income to average assets | 0.5921% | 2,244 |
| Noninterest expense to average assets | 2.3653% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8913% | 3,151 |
| Return on assets (ROA) | 1.0801% | 2,622 |
| Pretax return on assets | 1.0801% | 3,166 |
| Return on Equity (ROE) | 12.8077% | 1,724 |
| Retained earnings to average equity (ytd only) | 5.7867% | 2,970 |
| Net charge-offs to loans | 0.0267% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 57.2000% | 846 |
| Efficiency ratio | 72.6316% | 1,442 |
| Assets per employee ($millions) | 6.8104% | 1,926 |
| Cash dividends to net income (ytd only)* | 54.8182% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 3,183 |
| Loan loss allowance to noncurrent loans | 585.9523% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 3,593 |
| Noncurrent loans to loans | 0.1965% | 3,406 |
| Net loans and leases to total assets | 57.7504% | 2,824 |
| Net loans and leases to deposits | 65.7423% | 2,945 |
| Net loans and leases to core deposits | 67.4887% | 3,109 |
| Total domestic deposits to total assets | 87.8437% | 1,920 |
| Equity capital to assets | 8.2992% | 4,279 |
| Core capital (leverage) ratio | 8.5847% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8836% | 2,711 |
| Memoranda: | ||
| Average total assets | $1,925,331,500 | 546 |
| Average earning assets | $1,844,078,500 | 528 |
| Average equity | $162,371,500 | 659 |
| Average total loans | $1,122,865,500 | 604 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2956% | 4,339 |
| Cost of funding earning assets | 0.2584% | 4,345 |
| Net interest margin | 3.0372% | 3,799 |
| Noninterest income to average assets | 0.6056% | 2,199 |
| Noninterest expense to average assets | 2.6556% | 2,368 |
| Loan and lease loss provision to assets | 0.3879% | 828 |
| Net operating income to assets | 0.4700% | 4,096 |
| Return on assets (ROA) | 0.5471% | 4,009 |
| Pretax return on assets | 0.5471% | 4,184 |
| Return on Equity (ROE) | 6.2033% | 3,516 |
| Retained earnings to average equity (ytd only) | 2.9446% | 3,393 |
| Net charge-offs to loans | 0.9785% | 135 |
| Credit loss provision to net charge-offs | 66.4202% | 3,065 |
| Earnings coverage of net charge-offs (x) | 1.4691% | 3,254 |
| Efficiency ratio | 75.5829% | 1,284 |
| Assets per employee ($millions) | 6.9691% | 1,603 |
| Cash dividends to net income (ytd only)* | 52.5318% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 3,094 |
| Loan loss allowance to noncurrent loans | 597.1259% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 3,719 |
| Noncurrent loans to loans | 0.1965% | 3,501 |
| Net loans and leases to total assets | 57.5341% | 3,141 |
| Net loans and leases to deposits | 66.7726% | 3,206 |
| Net loans and leases to core deposits | 68.7529% | 3,350 |
| Total domestic deposits to total assets | 86.1642% | 2,295 |
| Equity capital to assets | 8.5689% | 4,398 |
| Core capital (leverage) ratio | 8.3852% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0462% | 2,613 |
| Memoranda: | ||
| Average total assets | $1,783,324,600 | 532 |
| Average earning assets | $1,707,408,200 | 512 |
| Average equity | $157,271,200 | 650 |
| Average total loans | $1,064,276,800 | 600 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3420% | 4,422 |
| Cost of funding earning assets | 0.2795% | 4,391 |
| Net interest margin | 3.0625% | 3,834 |
| Noninterest income to average assets | 0.5863% | 2,229 |
| Noninterest expense to average assets | 2.7599% | 2,092 |
| Loan and lease loss provision to assets | 0.5270% | 540 |
| Net operating income to assets | 0.2316% | 4,545 |
| Return on assets (ROA) | 0.3399% | 4,434 |
| Pretax return on assets | 0.3399% | 4,505 |
| Return on Equity (ROE) | 3.8242% | 4,199 |
| Retained earnings to average equity (ytd only) | 0.7381% | 4,326 |
| Net charge-offs to loans | 1.3598% | 89 |
| Credit loss provision to net charge-offs | 64.5062% | 2,834 |
| Earnings coverage of net charge-offs (x) | 0.9286% | 3,107 |
| Efficiency ratio | 78.4397% | 991 |
| Assets per employee ($millions) | 6.9415% | 1,544 |
| Cash dividends to net income (ytd only)* | 80.6994% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,172 |
| Loan loss allowance to noncurrent loans | 2,241.9298% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,317 |
| Noncurrent loans to loans | 0.0494% | 4,179 |
| Net loans and leases to total assets | 58.9561% | 3,330 |
| Net loans and leases to deposits | 69.1988% | 3,381 |
| Net loans and leases to core deposits | 71.6542% | 3,504 |
| Total domestic deposits to total assets | 85.1982% | 2,361 |
| Equity capital to assets | 8.2258% | 4,621 |
| Core capital (leverage) ratio | 8.2567% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8233% | 2,675 |
| Memoranda: | ||
| Average total assets | $1,750,029,250 | 534 |
| Average earning assets | $1,675,567,750 | 510 |
| Average equity | $155,533,250 | 646 |
| Average total loans | $1,051,412,750 | 601 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4856% | 4,425 |
| Cost of funding earning assets | 0.3126% | 4,431 |
| Net interest margin | 3.1730% | 3,737 |
| Noninterest income to average assets | 0.5592% | 2,306 |
| Noninterest expense to average assets | 2.7444% | 2,242 |
| Loan and lease loss provision to assets | 0.8196% | 297 |
| Net operating income to assets | 0.0296% | 4,753 |
| Return on assets (ROA) | 0.1947% | 4,622 |
| Pretax return on assets | 0.1947% | 4,638 |
| Return on Equity (ROE) | 2.1300% | 4,507 |
| Retained earnings to average equity (ytd only) | -2.5370% | 4,626 |
| Net charge-offs to loans | 2.2147% | 56 |
| Credit loss provision to net charge-offs | 61.4189% | 2,582 |
| Earnings coverage of net charge-offs (x) | 0.6364% | 2,912 |
| Efficiency ratio | 76.3676% | 1,229 |
| Assets per employee ($millions) | 6.8436% | 1,536 |
| Cash dividends to net income (ytd only)* | 219.1114% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,176 |
| Loan loss allowance to noncurrent loans | 1,709.4972% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,357 |
| Noncurrent loans to loans | 0.0632% | 4,225 |
| Net loans and leases to total assets | 59.1357% | 3,413 |
| Net loans and leases to deposits | 69.5078% | 3,458 |
| Net loans and leases to core deposits | 72.3913% | 3,566 |
| Total domestic deposits to total assets | 85.0778% | 2,367 |
| Equity capital to assets | 8.2418% | 4,616 |
| Core capital (leverage) ratio | 8.0660% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4229% | 2,433 |
| Memoranda: | ||
| Average total assets | $1,687,808,333 | 542 |
| Average earning assets | $1,614,137,000 | 521 |
| Average equity | $154,275,000 | 648 |
| Average total loans | $1,017,024,333 | 608 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 4,330 |
| Cost of funding earning assets | 0.3765% | 4,440 |
| Net interest margin | 3.3543% | 3,436 |
| Noninterest income to average assets | 0.5947% | 2,061 |
| Noninterest expense to average assets | 3.2217% | 1,382 |
| Loan and lease loss provision to assets | 0.2417% | 1,286 |
| Net operating income to assets | 0.3265% | 4,292 |
| Return on assets (ROA) | 0.3669% | 4,242 |
| Pretax return on assets | 0.3669% | 4,357 |
| Return on Equity (ROE) | 3.7914% | 4,010 |
| Retained earnings to average equity (ytd only) | -5.6023% | 4,562 |
| Net charge-offs to loans | 2.3377% | 57 |
| Credit loss provision to net charge-offs | 17.0771% | 2,212 |
| Earnings coverage of net charge-offs (x) | 0.4015% | 2,471 |
| Efficiency ratio | 85.0070% | 766 |
| Assets per employee ($millions) | 5.8007% | 1,839 |
| Cash dividends to net income (ytd only)* | 247.7632% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,545 |
| Loan loss allowance to noncurrent loans | 188.4154% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 2,796 |
| Noncurrent loans to loans | 0.6490% | 2,367 |
| Net loans and leases to total assets | 60.4489% | 3,449 |
| Net loans and leases to deposits | 71.4999% | 3,480 |
| Net loans and leases to core deposits | 75.8707% | 3,502 |
| Total domestic deposits to total assets | 84.5441% | 2,585 |
| Equity capital to assets | 9.7202% | 4,024 |
| Core capital (leverage) ratio | 9.0746% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5890% | 2,444 |
| Memoranda: | ||
| Average total assets | $1,583,872,000 | 551 |
| Average earning assets | $1,508,753,500 | 529 |
| Average equity | $153,293,500 | 650 |
| Average total loans | $958,904,000 | 620 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 4,035 |
| Cost of funding earning assets | 0.3217% | 4,678 |
| Net interest margin | 3.7791% | 2,575 |
| Noninterest income to average assets | 0.5861% | 2,291 |
| Noninterest expense to average assets | 3.1005% | 1,759 |
| Loan and lease loss provision to assets | 0.0970% | 2,100 |
| Net operating income to assets | 1.0015% | 2,845 |
| Return on assets (ROA) | 1.0379% | 2,796 |
| Pretax return on assets | 1.0379% | 3,368 |
| Return on Equity (ROE) | 11.6609% | 1,635 |
| Retained earnings to average equity (ytd only) | 6.0803% | 1,823 |
| Net charge-offs to loans | 0.0087% | 3,368 |
| Credit loss provision to net charge-offs | 1,846.7532% | 206 |
| Earnings coverage of net charge-offs (x) | 209.0909% | 385 |
| Efficiency ratio | 73.8394% | 1,624 |
| Assets per employee ($millions) | 5.5371% | 2,033 |
| Cash dividends to net income (ytd only)* | 47.8570% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 704 |
| Loan loss allowance to noncurrent loans | 141.7607% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7626% | 1,698 |
| Noncurrent loans to loans | 1.2426% | 1,209 |
| Net loans and leases to total assets | 58.8220% | 3,687 |
| Net loans and leases to deposits | 67.6009% | 3,852 |
| Net loans and leases to core deposits | 71.0566% | 3,913 |
| Total domestic deposits to total assets | 87.0137% | 1,601 |
| Equity capital to assets | 9.6360% | 4,235 |
| Core capital (leverage) ratio | 9.4001% | 4,171 |
| Tier 1 risk-based capital ratio | 13.7305% | 3,398 |
| Total risk-based capital ratio | 14.9851% | 3,298 |
| Memoranda: | ||
| Average total assets | $1,465,662,200 | 563 |
| Average earning assets | $1,401,219,000 | 542 |
| Average equity | $130,453,400 | 704 |
| Average total loans | $882,939,000 | 652 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2073% | 3,903 |
| Cost of funding earning assets | 0.3094% | 4,772 |
| Net interest margin | 3.8979% | 2,264 |
| Noninterest income to average assets | 0.6115% | 2,142 |
| Noninterest expense to average assets | 3.3518% | 1,175 |
| Loan and lease loss provision to assets | 0.0139% | 3,626 |
| Net operating income to assets | 0.9737% | 3,077 |
| Return on assets (ROA) | 0.9865% | 3,107 |
| Pretax return on assets | 0.9865% | 3,631 |
| Return on Equity (ROE) | 11.3398% | 1,874 |
| Retained earnings to average equity (ytd only) | 3.5861% | 3,609 |
| Net charge-offs to loans | 0.0236% | 2,627 |
| Credit loss provision to net charge-offs | 97.4026% | 2,313 |
| Earnings coverage of net charge-offs (x) | 69.2072% | 965 |
| Efficiency ratio | 77.2421% | 1,188 |
| Assets per employee ($millions) | 5.6569% | 1,882 |
| Cash dividends to net income (ytd only)* | 68.3760% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 833 |
| Loan loss allowance to noncurrent loans | 128.1006% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 1,757 |
| Noncurrent loans to loans | 1.3233% | 1,163 |
| Net loans and leases to total assets | 58.2749% | 3,850 |
| Net loans and leases to deposits | 64.8431% | 4,132 |
| Net loans and leases to core deposits | 68.1295% | 4,169 |
| Total domestic deposits to total assets | 89.8707% | 319 |
| Equity capital to assets | 9.6516% | 4,333 |
| Core capital (leverage) ratio | 9.3609% | 4,314 |
| Tier 1 risk-based capital ratio | 14.1153% | 3,277 |
| Total risk-based capital ratio | 15.3696% | 3,176 |
| Memoranda: | ||
| Average total assets | $1,438,943,250 | 574 |
| Average earning assets | $1,376,154,000 | 553 |
| Average equity | $125,184,250 | 726 |
| Average total loans | $868,277,500 | 667 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 3,896 |
| Cost of funding earning assets | 0.2905% | 4,851 |
| Net interest margin | 3.9212% | 2,186 |
| Noninterest income to average assets | 0.5985% | 2,162 |
| Noninterest expense to average assets | 3.4168% | 1,073 |
| Loan and lease loss provision to assets | 0.0212% | 3,377 |
| Net operating income to assets | 0.9144% | 3,227 |
| Return on assets (ROA) | 0.9196% | 3,272 |
| Pretax return on assets | 0.9196% | 3,792 |
| Return on Equity (ROE) | 11.0007% | 1,971 |
| Retained earnings to average equity (ytd only) | 1.2579% | 4,363 |
| Net charge-offs to loans | 0.0063% | 2,929 |
| Credit loss provision to net charge-offs | 555.5556% | 554 |
| Earnings coverage of net charge-offs (x) | 244.8519% | 331 |
| Efficiency ratio | 78.5043% | 1,092 |
| Assets per employee ($millions) | 5.3523% | 2,103 |
| Cash dividends to net income (ytd only)* | 88.5657% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 758 |
| Loan loss allowance to noncurrent loans | 1,046.5259% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,256 |
| Noncurrent loans to loans | 0.1669% | 3,955 |
| Net loans and leases to total assets | 58.4993% | 3,864 |
| Net loans and leases to deposits | 64.4532% | 4,200 |
| Net loans and leases to core deposits | 67.8028% | 4,218 |
| Total domestic deposits to total assets | 90.7624% | 139 |
| Equity capital to assets | 8.3831% | 5,086 |
| Core capital (leverage) ratio | 8.3945% | 5,014 |
| Tier 1 risk-based capital ratio | 12.4455% | 4,157 |
| Total risk-based capital ratio | 13.7007% | 4,037 |
| Memoranda: | ||
| Average total assets | $1,413,242,330 | 578 |
| Average earning assets | $1,352,939,330 | 559 |
| Average equity | $118,138,000 | 758 |
| Average total loans | $858,133,330 | 675 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 3,794 |
| Cost of funding earning assets | 0.2400% | 5,013 |
| Net interest margin | 3.9839% | 1,896 |
| Noninterest income to average assets | 0.5650% | 2,205 |
| Noninterest expense to average assets | 3.6095% | 838 |
| Loan and lease loss provision to assets | 0.0217% | 3,160 |
| Net operating income to assets | 0.7555% | 3,758 |
| Return on assets (ROA) | 0.7663% | 3,771 |
| Pretax return on assets | 0.7663% | 4,126 |
| Return on Equity (ROE) | 9.1804% | 2,715 |
| Retained earnings to average equity (ytd only) | 2.1546% | 4,025 |
| Net charge-offs to loans | 0.0094% | 2,353 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 134.2000% | 547 |
| Efficiency ratio | 82.2815% | 846 |
| Assets per employee ($millions) | 5.2381% | 2,244 |
| Cash dividends to net income (ytd only)* | 76.5306% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 712 |
| Loan loss allowance to noncurrent loans | 1,289.6290% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 4,382 |
| Noncurrent loans to loans | 0.1391% | 4,115 |
| Net loans and leases to total assets | 60.0813% | 3,699 |
| Net loans and leases to deposits | 66.8024% | 3,997 |
| Net loans and leases to core deposits | 69.5503% | 4,097 |
| Total domestic deposits to total assets | 89.9390% | 470 |
| Equity capital to assets | 8.4417% | 5,020 |
| Core capital (leverage) ratio | 8.7393% | 4,835 |
| Tier 1 risk-based capital ratio | 12.6929% | 4,050 |
| Total risk-based capital ratio | 13.9482% | 3,933 |
| Memoranda: | ||
| Average total assets | $1,381,249,000 | 592 |
| Average earning assets | $1,325,045,500 | 567 |
| Average equity | $115,288,500 | 775 |
| Average total loans | $847,434,500 | 689 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,889 |
| Cost of funding earning assets | 0.0878% | 5,315 |
| Net interest margin | 3.9629% | 2,116 |
| Noninterest income to average assets | 0.6154% | 2,215 |
| Noninterest expense to average assets | 3.3592% | 1,209 |
| Loan and lease loss provision to assets | 0.0398% | 3,399 |
| Net operating income to assets | 1.0220% | 2,923 |
| Return on assets (ROA) | 1.0274% | 2,883 |
| Pretax return on assets | 1.0274% | 3,519 |
| Return on Equity (ROE) | 12.9307% | 1,373 |
| Retained earnings to average equity (ytd only) | 5.0151% | 2,760 |
| Net charge-offs to loans | 0.0397% | 2,611 |
| Credit loss provision to net charge-offs | 168.7117% | 1,650 |
| Earnings coverage of net charge-offs (x) | 45.0521% | 1,207 |
| Efficiency ratio | 75.9840% | 1,371 |
| Assets per employee ($millions) | 5.2459% | 2,205 |
| Cash dividends to net income (ytd only)* | 61.2159% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8090% | 672 |
| Loan loss allowance to noncurrent loans | 2,195.9654% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 4,590 |
| Noncurrent loans to loans | 0.0824% | 4,384 |
| Net loans and leases to total assets | 60.4164% | 3,724 |
| Net loans and leases to deposits | 66.1640% | 4,110 |
| Net loans and leases to core deposits | 68.4015% | 4,215 |
| Total domestic deposits to total assets | 91.3132% | 145 |
| Equity capital to assets | 8.2499% | 5,064 |
| Core capital (leverage) ratio | 8.6012% | 4,955 |
| Tier 1 risk-based capital ratio | 13.1832% | 3,735 |
| Total risk-based capital ratio | 14.4393% | 3,618 |
| Memoranda: | ||
| Average total assets | $1,383,317,600 | 575 |
| Average earning assets | $1,328,356,800 | 553 |
| Average equity | $109,909,000 | 782 |
| Average total loans | $821,799,400 | 681 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 3,927 |
| Cost of funding earning assets | 0.0709% | 5,405 |
| Net interest margin | 3.9312% | 2,191 |
| Noninterest income to average assets | 0.6178% | 2,226 |
| Noninterest expense to average assets | 3.3546% | 1,190 |
| Loan and lease loss provision to assets | 0.0433% | 3,126 |
| Net operating income to assets | 0.9909% | 3,119 |
| Return on assets (ROA) | 0.9981% | 3,104 |
| Pretax return on assets | 0.9981% | 3,721 |
| Return on Equity (ROE) | 12.6822% | 1,546 |
| Retained earnings to average equity (ytd only) | 3.8870% | 3,830 |
| Net charge-offs to loans | 0.0519% | 2,089 |
| Credit loss provision to net charge-offs | 141.5094% | 1,786 |
| Earnings coverage of net charge-offs (x) | 33.8270% | 1,507 |
| Efficiency ratio | 76.4359% | 1,296 |
| Assets per employee ($millions) | 5.4197% | 1,998 |
| Cash dividends to net income (ytd only)* | 69.3508% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 678 |
| Loan loss allowance to noncurrent loans | 2,154.9075% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 4,712 |
| Noncurrent loans to loans | 0.0850% | 4,499 |
| Net loans and leases to total assets | 58.9996% | 3,948 |
| Net loans and leases to deposits | 64.1829% | 4,319 |
| Net loans and leases to core deposits | 65.3333% | 4,443 |
| Total domestic deposits to total assets | 91.9243% | 88 |
| Equity capital to assets | 7.8588% | 5,219 |
| Core capital (leverage) ratio | 8.3473% | 5,177 |
| Tier 1 risk-based capital ratio | 13.1347% | 3,829 |
| Total risk-based capital ratio | 14.3909% | 3,731 |
| Memoranda: | ||
| Average total assets | $1,386,854,000 | 570 |
| Average earning assets | $1,330,310,000 | 551 |
| Average equity | $109,147,250 | 782 |
| Average total loans | $816,638,000 | 682 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 3,999 |
| Cost of funding earning assets | 0.0610% | 5,473 |
| Net interest margin | 3.8673% | 2,325 |
| Noninterest income to average assets | 0.6440% | 2,119 |
| Noninterest expense to average assets | 3.3586% | 1,203 |
| Loan and lease loss provision to assets | 0.0432% | 3,034 |
| Net operating income to assets | 0.9428% | 3,259 |
| Return on assets (ROA) | 0.9536% | 3,225 |
| Pretax return on assets | 0.9536% | 3,793 |
| Return on Equity (ROE) | 12.1113% | 1,685 |
| Retained earnings to average equity (ytd only) | 2.7478% | 4,153 |
| Net charge-offs to loans | 0.0418% | 2,029 |
| Credit loss provision to net charge-offs | 176.4706% | 1,411 |
| Earnings coverage of net charge-offs (x) | 40.3176% | 1,289 |
| Efficiency ratio | 77.3054% | 1,273 |
| Assets per employee ($millions) | 5.3006% | 2,102 |
| Cash dividends to net income (ytd only)* | 77.3118% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8154% | 735 |
| Loan loss allowance to noncurrent loans | 1,525.2769% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 4,659 |
| Noncurrent loans to loans | 0.1190% | 4,369 |
| Net loans and leases to total assets | 58.3174% | 3,960 |
| Net loans and leases to deposits | 63.3149% | 4,329 |
| Net loans and leases to core deposits | 64.3413% | 4,471 |
| Total domestic deposits to total assets | 92.1069% | 79 |
| Equity capital to assets | 7.6904% | 5,324 |
| Core capital (leverage) ratio | 8.1952% | 5,264 |
| Tier 1 risk-based capital ratio | 12.7601% | 4,033 |
| Total risk-based capital ratio | 14.0161% | 3,931 |
| Memoranda: | ||
| Average total assets | $1,390,273,670 | 569 |
| Average earning assets | $1,330,339,330 | 552 |
| Average equity | $109,468,330 | 777 |
| Average total loans | $813,072,330 | 679 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 4,147 |
| Cost of funding earning assets | 0.0517% | 5,551 |
| Net interest margin | 3.7734% | 2,529 |
| Noninterest income to average assets | 0.6360% | 2,097 |
| Noninterest expense to average assets | 3.4604% | 1,063 |
| Loan and lease loss provision to assets | 0.0434% | 2,890 |
| Net operating income to assets | 0.7441% | 3,925 |
| Return on assets (ROA) | 0.7658% | 3,848 |
| Pretax return on assets | 0.7658% | 4,236 |
| Return on Equity (ROE) | 9.6124% | 2,629 |
| Retained earnings to average equity (ytd only) | 1.2633% | 4,555 |
| Net charge-offs to loans | 0.0822% | 1,311 |
| Credit loss provision to net charge-offs | 90.9091% | 1,665 |
| Earnings coverage of net charge-offs (x) | 16.5030% | 1,618 |
| Efficiency ratio | 81.4611% | 1,004 |
| Assets per employee ($millions) | 5.3519% | 2,088 |
| Cash dividends to net income (ytd only)* | 86.8580% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8801% | 684 |
| Loan loss allowance to noncurrent loans | 1,179.3239% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 4,108 |
| Noncurrent loans to loans | 0.1594% | 4,262 |
| Net loans and leases to total assets | 56.6985% | 4,059 |
| Net loans and leases to deposits | 61.6143% | 4,363 |
| Net loans and leases to core deposits | 62.4070% | 4,528 |
| Total domestic deposits to total assets | 92.0217% | 105 |
| Equity capital to assets | 7.8496% | 5,309 |
| Core capital (leverage) ratio | 8.2765% | 5,274 |
| Tier 1 risk-based capital ratio | 12.5816% | 4,189 |
| Total risk-based capital ratio | 13.8375% | 4,093 |
| Memoranda: | ||
| Average total assets | $1,383,084,000 | 578 |
| Average earning assets | $1,323,883,500 | 559 |
| Average equity | $110,190,500 | 772 |
| Average total loans | $802,457,000 | 686 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 4,094 |
| Cost of funding earning assets | 0.0568% | 5,602 |
| Net interest margin | 3.7283% | 2,678 |
| Noninterest income to average assets | 0.6764% | 2,065 |
| Noninterest expense to average assets | 3.3111% | 1,355 |
| Loan and lease loss provision to assets | 0.0464% | 3,307 |
| Net operating income to assets | 0.8619% | 2,909 |
| Return on assets (ROA) | 0.8771% | 2,851 |
| Pretax return on assets | 0.8771% | 3,985 |
| Return on Equity (ROE) | 9.8219% | 1,969 |
| Retained earnings to average equity (ytd only) | 0.0503% | 4,987 |
| Net charge-offs to loans | 0.0024% | 4,023 |
| Credit loss provision to net charge-offs | 3,157.8947% | 129 |
| Earnings coverage of net charge-offs (x) | 617.7895% | 140 |
| Efficiency ratio | 78.4723% | 1,286 |
| Assets per employee ($millions) | 5.3283% | 2,122 |
| Cash dividends to net income (ytd only)* | 99.4883% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8607% | 694 |
| Loan loss allowance to noncurrent loans | 709.9764% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 3,867 |
| Noncurrent loans to loans | 0.2621% | 3,849 |
| Net loans and leases to total assets | 57.1692% | 4,091 |
| Net loans and leases to deposits | 62.4541% | 4,415 |
| Net loans and leases to core deposits | 63.2844% | 4,581 |
| Total domestic deposits to total assets | 91.5380% | 132 |
| Equity capital to assets | 8.0841% | 5,360 |
| Core capital (leverage) ratio | 8.2900% | 5,294 |
| Tier 1 risk-based capital ratio | 12.5878% | 4,154 |
| Total risk-based capital ratio | 13.8440% | 4,039 |
| Memoranda: | ||
| Average total assets | $1,292,212,600 | 592 |
| Average earning assets | $1,228,025,200 | 573 |
| Average equity | $115,395,400 | 707 |
| Average total loans | $798,730,000 | 656 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,020 |
| Cost of funding earning assets | 0.0590% | 5,663 |
| Net interest margin | 3.7396% | 2,618 |
| Noninterest income to average assets | 0.6893% | 2,044 |
| Noninterest expense to average assets | 2.9901% | 2,133 |
| Loan and lease loss provision to assets | 0.0473% | 3,157 |
| Net operating income to assets | 1.2014% | 1,684 |
| Return on assets (ROA) | 1.2220% | 1,633 |
| Pretax return on assets | 1.2220% | 2,815 |
| Return on Equity (ROE) | 13.3392% | 973 |
| Retained earnings to average equity (ytd only) | 2.2136% | 4,533 |
| Net charge-offs to loans | -0.0013% | 4,292 |
| Credit loss provision to net charge-offs | -5,625.0000% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5411% | 2,445 |
| Assets per employee ($millions) | 4.9277% | 2,538 |
| Cash dividends to net income (ytd only)* | 83.4050% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 783 |
| Loan loss allowance to noncurrent loans | 155.8497% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7491% | 2,259 |
| Noncurrent loans to loans | 1.1840% | 1,622 |
| Net loans and leases to total assets | 62.0691% | 3,644 |
| Net loans and leases to deposits | 68.5963% | 4,071 |
| Net loans and leases to core deposits | 69.5746% | 4,265 |
| Total domestic deposits to total assets | 90.4845% | 332 |
| Equity capital to assets | 9.3595% | 4,586 |
| Core capital (leverage) ratio | 8.9309% | 4,824 |
| Tier 1 risk-based capital ratio | 12.8329% | 4,121 |
| Total risk-based capital ratio | 14.0889% | 4,020 |
| Memoranda: | ||
| Average total assets | $1,268,923,750 | 602 |
| Average earning assets | $1,204,399,500 | 586 |
| Average equity | $116,245,750 | 704 |
| Average total loans | $796,657,500 | 660 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,010 |
| Cost of funding earning assets | 0.0623% | 5,696 |
| Net interest margin | 3.7055% | 2,639 |
| Noninterest income to average assets | 0.6999% | 1,991 |
| Noninterest expense to average assets | 2.9405% | 2,298 |
| Loan and lease loss provision to assets | 0.0474% | 3,045 |
| Net operating income to assets | 1.2321% | 1,493 |
| Return on assets (ROA) | 1.2630% | 1,424 |
| Pretax return on assets | 1.2630% | 2,525 |
| Return on Equity (ROE) | 13.8883% | 829 |
| Retained earnings to average equity (ytd only) | 1.7330% | 4,556 |
| Net charge-offs to loans | 0.0048% | 3,305 |
| Credit loss provision to net charge-offs | 1,578.9474% | 261 |
| Earnings coverage of net charge-offs (x) | 426.4211% | 197 |
| Efficiency ratio | 69.6804% | 2,728 |
| Assets per employee ($millions) | 4.7675% | 2,693 |
| Cash dividends to net income (ytd only)* | 87.5219% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 809 |
| Loan loss allowance to noncurrent loans | 146.7198% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 2,219 |
| Noncurrent loans to loans | 1.2559% | 1,537 |
| Net loans and leases to total assets | 62.0499% | 3,625 |
| Net loans and leases to deposits | 68.5550% | 4,018 |
| Net loans and leases to core deposits | 69.5578% | 4,255 |
| Total domestic deposits to total assets | 90.5111% | 355 |
| Equity capital to assets | 9.3192% | 4,599 |
| Core capital (leverage) ratio | 8.8456% | 4,900 |
| Tier 1 risk-based capital ratio | 12.6911% | 4,189 |
| Total risk-based capital ratio | 13.9467% | 4,097 |
| Memoranda: | ||
| Average total assets | $1,266,471,330 | 606 |
| Average earning assets | $1,203,083,000 | 588 |
| Average equity | $115,176,330 | 716 |
| Average total loans | $793,187,000 | 663 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 4,041 |
| Cost of funding earning assets | 0.0634% | 5,760 |
| Net interest margin | 3.6585% | 2,661 |
| Noninterest income to average assets | 0.6924% | 2,006 |
| Noninterest expense to average assets | 2.9684% | 2,249 |
| Loan and lease loss provision to assets | 0.0473% | 2,866 |
| Net operating income to assets | 1.1561% | 1,640 |
| Return on assets (ROA) | 1.2180% | 1,501 |
| Pretax return on assets | 1.2180% | 2,517 |
| Return on Equity (ROE) | 13.5599% | 889 |
| Retained earnings to average equity (ytd only) | 3.1784% | 3,833 |
| Net charge-offs to loans | 0.0030% | 2,866 |
| Credit loss provision to net charge-offs | 2,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 635.8333% | 85 |
| Efficiency ratio | 71.1531% | 2,709 |
| Assets per employee ($millions) | 5.0691% | 2,350 |
| Cash dividends to net income (ytd only)* | 76.5605% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8405% | 885 |
| Loan loss allowance to noncurrent loans | 139.1923% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 2,282 |
| Noncurrent loans to loans | 1.3222% | 1,533 |
| Net loans and leases to total assets | 59.9188% | 3,796 |
| Net loans and leases to deposits | 67.4901% | 4,042 |
| Net loans and leases to core deposits | 68.2554% | 4,275 |
| Total domestic deposits to total assets | 88.7816% | 1,268 |
| Equity capital to assets | 8.8063% | 4,995 |
| Core capital (leverage) ratio | 8.9318% | 4,814 |
| Tier 1 risk-based capital ratio | 12.7135% | 4,251 |
| Total risk-based capital ratio | 13.9691% | 4,146 |
| Memoranda: | ||
| Average total assets | $1,268,007,000 | 605 |
| Average earning assets | $1,205,948,000 | 582 |
| Average equity | $113,895,000 | 724 |
| Average total loans | $790,453,500 | 664 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6663% | 4,322 |
| Cost of funding earning assets | 0.0489% | 5,840 |
| Net interest margin | 3.6174% | 3,008 |
| Noninterest income to average assets | 0.7397% | 1,995 |
| Noninterest expense to average assets | 2.9529% | 2,488 |
| Loan and lease loss provision to assets | 0.0474% | 3,442 |
| Net operating income to assets | 1.1625% | 1,637 |
| Return on assets (ROA) | 1.1625% | 1,733 |
| Pretax return on assets | 1.1625% | 2,842 |
| Return on Equity (ROE) | 12.5265% | 1,106 |
| Retained earnings to average equity (ytd only) | 3.4271% | 3,489 |
| Net charge-offs to loans | 0.0314% | 3,395 |
| Credit loss provision to net charge-offs | 242.9150% | 1,197 |
| Earnings coverage of net charge-offs (x) | 62.0648% | 864 |
| Efficiency ratio | 70.9356% | 2,759 |
| Assets per employee ($millions) | 4.7997% | 2,649 |
| Cash dividends to net income (ytd only)* | 72.6409% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 899 |
| Loan loss allowance to noncurrent loans | 118.4945% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 1,927 |
| Noncurrent loans to loans | 1.5444% | 1,290 |
| Net loans and leases to total assets | 62.5307% | 3,540 |
| Net loans and leases to deposits | 68.9986% | 4,007 |
| Net loans and leases to core deposits | 69.8029% | 4,260 |
| Total domestic deposits to total assets | 90.6260% | 410 |
| Equity capital to assets | 9.1666% | 4,622 |
| Core capital (leverage) ratio | 8.8300% | 4,930 |
| Tier 1 risk-based capital ratio | 12.5863% | 4,335 |
| Total risk-based capital ratio | 13.8415% | 4,225 |
| Memoranda: | ||
| Average total assets | $1,267,051,000 | 583 |
| Average earning assets | $1,198,980,800 | 561 |
| Average equity | $117,590,800 | 676 |
| Average total loans | $787,589,000 | 633 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 4,444 |
| Cost of funding earning assets | 0.0480% | 5,911 |
| Net interest margin | 3.5878% | 3,122 |
| Noninterest income to average assets | 0.7470% | 1,980 |
| Noninterest expense to average assets | 2.8806% | 2,701 |
| Loan and lease loss provision to assets | 0.0471% | 3,307 |
| Net operating income to assets | 1.2119% | 1,602 |
| Return on assets (ROA) | 1.2119% | 1,700 |
| Pretax return on assets | 1.2119% | 2,786 |
| Return on Equity (ROE) | 13.0193% | 1,054 |
| Retained earnings to average equity (ytd only) | 2.6776% | 4,304 |
| Net charge-offs to loans | 0.0144% | 3,451 |
| Credit loss provision to net charge-offs | 529.4118% | 675 |
| Earnings coverage of net charge-offs (x) | 141.5536% | 489 |
| Efficiency ratio | 69.5870% | 2,955 |
| Assets per employee ($millions) | 5.0242% | 2,346 |
| Cash dividends to net income (ytd only)* | 79.4336% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 934 |
| Loan loss allowance to noncurrent loans | 120.3415% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 2,209 |
| Noncurrent loans to loans | 1.5330% | 1,414 |
| Net loans and leases to total assets | 60.2329% | 3,844 |
| Net loans and leases to deposits | 66.6400% | 4,286 |
| Net loans and leases to core deposits | 67.4964% | 4,506 |
| Total domestic deposits to total assets | 90.3855% | 350 |
| Equity capital to assets | 9.4970% | 4,662 |
| Core capital (leverage) ratio | 8.7052% | 5,149 |
| Tier 1 risk-based capital ratio | 12.7739% | 4,292 |
| Total risk-based capital ratio | 14.0297% | 4,199 |
| Memoranda: | ||
| Average total assets | $1,274,233,000 | 578 |
| Average earning assets | $1,204,909,750 | 558 |
| Average equity | $118,610,500 | 675 |
| Average total loans | $787,294,500 | 638 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6588% | 4,416 |
| Cost of funding earning assets | 0.0477% | 5,990 |
| Net interest margin | 3.6112% | 3,054 |
| Noninterest income to average assets | 0.7129% | 2,079 |
| Noninterest expense to average assets | 2.8910% | 2,706 |
| Loan and lease loss provision to assets | 0.0471% | 3,208 |
| Net operating income to assets | 1.1900% | 1,638 |
| Return on assets (ROA) | 1.1900% | 1,733 |
| Pretax return on assets | 1.1900% | 2,815 |
| Return on Equity (ROE) | 12.8714% | 1,066 |
| Retained earnings to average equity (ytd only) | 1.8650% | 4,622 |
| Net charge-offs to loans | 0.0096% | 3,372 |
| Credit loss provision to net charge-offs | 789.4737% | 457 |
| Earnings coverage of net charge-offs (x) | 207.3158% | 317 |
| Efficiency ratio | 70.0320% | 2,982 |
| Assets per employee ($millions) | 4.8216% | 2,530 |
| Cash dividends to net income (ytd only)* | 85.5107% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 1,063 |
| Loan loss allowance to noncurrent loans | 88.7075% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 1,565 |
| Noncurrent loans to loans | 2.0429% | 962 |
| Net loans and leases to total assets | 61.9943% | 3,627 |
| Net loans and leases to deposits | 68.6688% | 4,115 |
| Net loans and leases to core deposits | 69.4668% | 4,368 |
| Total domestic deposits to total assets | 90.2801% | 389 |
| Equity capital to assets | 9.5987% | 4,672 |
| Core capital (leverage) ratio | 8.6978% | 5,174 |
| Tier 1 risk-based capital ratio | 12.5508% | 4,481 |
| Total risk-based capital ratio | 13.8065% | 4,391 |
| Memoranda: | ||
| Average total assets | $1,273,596,000 | 578 |
| Average earning assets | $1,204,478,000 | 559 |
| Average equity | $117,749,000 | 682 |
| Average total loans | $788,691,000 | 634 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6887% | 4,362 |
| Cost of funding earning assets | 0.0480% | 6,055 |
| Net interest margin | 3.6407% | 2,923 |
| Noninterest income to average assets | 0.6927% | 2,073 |
| Noninterest expense to average assets | 2.8305% | 2,955 |
| Loan and lease loss provision to assets | 0.0467% | 2,984 |
| Net operating income to assets | 1.2630% | 1,364 |
| Return on assets (ROA) | 1.2630% | 1,455 |
| Pretax return on assets | 1.2630% | 2,458 |
| Return on Equity (ROE) | 13.9208% | 852 |
| Retained earnings to average equity (ytd only) | 4.3037% | 3,330 |
| Net charge-offs to loans | 0.0137% | 2,668 |
| Credit loss provision to net charge-offs | 555.5556% | 559 |
| Earnings coverage of net charge-offs (x) | 155.6667% | 387 |
| Efficiency ratio | 68.3652% | 3,403 |
| Assets per employee ($millions) | 4.8761% | 2,484 |
| Cash dividends to net income (ytd only)* | 69.0846% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 1,146 |
| Loan loss allowance to noncurrent loans | 86.1170% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 1,642 |
| Noncurrent loans to loans | 2.0929% | 1,008 |
| Net loans and leases to total assets | 61.0454% | 3,644 |
| Net loans and leases to deposits | 67.4500% | 4,112 |
| Net loans and leases to core deposits | 68.2578% | 4,380 |
| Total domestic deposits to total assets | 90.5047% | 430 |
| Equity capital to assets | 9.3749% | 4,807 |
| Core capital (leverage) ratio | 8.5632% | 5,330 |
| Tier 1 risk-based capital ratio | 12.4123% | 4,641 |
| Total risk-based capital ratio | 13.6676% | 4,540 |
| Memoranda: | ||
| Average total assets | $1,283,590,000 | 568 |
| Average earning assets | $1,215,479,500 | 557 |
| Average equity | $116,458,500 | 689 |
| Average total loans | $787,282,000 | 629 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6064% | 4,656 |
| Cost of funding earning assets | 0.0530% | 6,099 |
| Net interest margin | 3.5534% | 3,310 |
| Noninterest income to average assets | 0.6845% | 2,273 |
| Noninterest expense to average assets | 2.8766% | 2,940 |
| Loan and lease loss provision to assets | 0.0463% | 3,400 |
| Net operating income to assets | 1.1267% | 1,815 |
| Return on assets (ROA) | 1.1308% | 1,862 |
| Pretax return on assets | 1.1308% | 2,918 |
| Return on Equity (ROE) | 13.0949% | 1,039 |
| Retained earnings to average equity (ytd only) | 3.7165% | 3,406 |
| Net charge-offs to loans | -0.0112% | 5,135 |
| Credit loss provision to net charge-offs | -681.8182% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0351% | 3,063 |
| Assets per employee ($millions) | 5.0170% | 2,347 |
| Cash dividends to net income (ytd only)* | 71.6186% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 1,150 |
| Loan loss allowance to noncurrent loans | 1,111.4444% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 5,198 |
| Noncurrent loans to loans | 0.1611% | 4,850 |
| Net loans and leases to total assets | 59.4394% | 3,906 |
| Net loans and leases to deposits | 65.2954% | 4,370 |
| Net loans and leases to core deposits | 66.0464% | 4,588 |
| Total domestic deposits to total assets | 91.0315% | 271 |
| Equity capital to assets | 8.7782% | 5,327 |
| Core capital (leverage) ratio | 8.1357% | 5,750 |
| Tier 1 risk-based capital ratio | 12.2796% | 4,773 |
| Total risk-based capital ratio | 13.5346% | 4,669 |
| Memoranda: | ||
| Average total assets | $1,296,571,600 | 556 |
| Average earning assets | $1,227,838,200 | 533 |
| Average equity | $111,960,000 | 684 |
| Average total loans | $784,818,400 | 592 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 4,683 |
| Cost of funding earning assets | 0.0543% | 6,187 |
| Net interest margin | 3.5613% | 3,298 |
| Noninterest income to average assets | 0.6952% | 2,246 |
| Noninterest expense to average assets | 2.8133% | 3,138 |
| Loan and lease loss provision to assets | 0.0463% | 3,278 |
| Net operating income to assets | 1.2050% | 1,637 |
| Return on assets (ROA) | 1.2097% | 1,681 |
| Pretax return on assets | 1.2097% | 2,784 |
| Return on Equity (ROE) | 14.0672% | 888 |
| Retained earnings to average equity (ytd only) | 3.2987% | 4,123 |
| Net charge-offs to loans | -0.0131% | 5,069 |
| Credit loss provision to net charge-offs | -584.4156% | 5,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2140% | 3,337 |
| Assets per employee ($millions) | 4.9828% | 2,320 |
| Cash dividends to net income (ytd only)* | 76.5501% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 1,238 |
| Loan loss allowance to noncurrent loans | 1,174.7679% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 5,368 |
| Noncurrent loans to loans | 0.1544% | 5,022 |
| Net loans and leases to total assets | 58.1627% | 4,121 |
| Net loans and leases to deposits | 63.9553% | 4,561 |
| Net loans and leases to core deposits | 64.6946% | 4,781 |
| Total domestic deposits to total assets | 90.9427% | 257 |
| Equity capital to assets | 8.8555% | 5,436 |
| Core capital (leverage) ratio | 8.2661% | 5,736 |
| Tier 1 risk-based capital ratio | 13.1874% | 4,331 |
| Total risk-based capital ratio | 14.4441% | 4,250 |
| Memoranda: | ||
| Average total assets | $1,295,865,500 | 555 |
| Average earning assets | $1,226,053,250 | 534 |
| Average equity | $111,434,000 | 692 |
| Average total loans | $784,414,250 | 596 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6589% | 4,545 |
| Cost of funding earning assets | 0.0568% | 6,256 |
| Net interest margin | 3.6021% | 3,085 |
| Noninterest income to average assets | 0.6883% | 2,264 |
| Noninterest expense to average assets | 2.8048% | 3,219 |
| Loan and lease loss provision to assets | 0.0463% | 3,191 |
| Net operating income to assets | 1.2429% | 1,481 |
| Return on assets (ROA) | 1.2499% | 1,524 |
| Pretax return on assets | 1.2499% | 2,550 |
| Return on Equity (ROE) | 14.6804% | 789 |
| Retained earnings to average equity (ytd only) | 2.6446% | 4,372 |
| Net charge-offs to loans | -0.0165% | 5,098 |
| Credit loss provision to net charge-offs | -461.5385% | 5,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5099% | 3,589 |
| Assets per employee ($millions) | 5.0958% | 2,147 |
| Cash dividends to net income (ytd only)* | 81.9854% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 1,469 |
| Loan loss allowance to noncurrent loans | 1,228.4821% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 5,530 |
| Noncurrent loans to loans | 0.1433% | 5,177 |
| Net loans and leases to total assets | 57.5201% | 4,165 |
| Net loans and leases to deposits | 62.8416% | 4,633 |
| Net loans and leases to core deposits | 63.3973% | 4,853 |
| Total domestic deposits to total assets | 91.5319% | 179 |
| Equity capital to assets | 8.3050% | 5,830 |
| Core capital (leverage) ratio | 8.3273% | 5,697 |
| Tier 1 risk-based capital ratio | 12.7645% | 4,645 |
| Total risk-based capital ratio | 14.0205% | 4,557 |
| Memoranda: | ||
| Average total assets | $1,295,982,000 | 550 |
| Average earning assets | $1,225,354,000 | 534 |
| Average equity | $110,337,330 | 700 |
| Average total loans | $790,076,330 | 592 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,352 |
| Cost of funding earning assets | 0.0622% | 6,321 |
| Net interest margin | 3.6399% | 2,858 |
| Noninterest income to average assets | 0.6828% | 2,240 |
| Noninterest expense to average assets | 2.8310% | 3,133 |
| Loan and lease loss provision to assets | 0.0470% | 2,990 |
| Net operating income to assets | 1.2510% | 1,404 |
| Return on assets (ROA) | 1.2651% | 1,451 |
| Pretax return on assets | 1.2651% | 2,402 |
| Return on Equity (ROE) | 14.6713% | 757 |
| Retained earnings to average equity (ytd only) | 2.3150% | 4,536 |
| Net charge-offs to loans | -0.0327% | 5,304 |
| Credit loss provision to net charge-offs | -230.7692% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5641% | 3,731 |
| Assets per employee ($millions) | 5.0654% | 2,272 |
| Cash dividends to net income (ytd only)* | 84.2210% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 1,679 |
| Loan loss allowance to noncurrent loans | 935.9697% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 5,494 |
| Noncurrent loans to loans | 0.1842% | 5,118 |
| Net loans and leases to total assets | 60.5463% | 3,577 |
| Net loans and leases to deposits | 66.4320% | 4,109 |
| Net loans and leases to core deposits | 67.0663% | 4,423 |
| Total domestic deposits to total assets | 91.1401% | 318 |
| Equity capital to assets | 8.6877% | 5,584 |
| Core capital (leverage) ratio | 8.3172% | 5,708 |
| Tier 1 risk-based capital ratio | 12.4738% | 4,921 |
| Total risk-based capital ratio | 13.7144% | 4,845 |
| Memoranda: | ||
| Average total assets | $1,276,421,000 | 552 |
| Average earning assets | $1,208,490,000 | 535 |
| Average equity | $110,065,500 | 700 |
| Average total loans | $794,258,500 | 583 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6756% | 4,863 |
| Cost of funding earning assets | 0.0667% | 6,406 |
| Net interest margin | 3.6089% | 3,383 |
| Noninterest income to average assets | 0.7316% | 2,158 |
| Noninterest expense to average assets | 2.8692% | 3,242 |
| Loan and lease loss provision to assets | 0.0955% | 2,556 |
| Net operating income to assets | 1.1612% | 1,714 |
| Return on assets (ROA) | 1.1619% | 1,785 |
| Pretax return on assets | 1.1619% | 2,816 |
| Return on Equity (ROE) | 14.0994% | 920 |
| Retained earnings to average equity (ytd only) | 4.8086% | 2,749 |
| Net charge-offs to loans | 0.0348% | 4,137 |
| Credit loss provision to net charge-offs | 451.1278% | 579 |
| Earnings coverage of net charge-offs (x) | 59.3722% | 802 |
| Efficiency ratio | 69.5422% | 3,622 |
| Assets per employee ($millions) | 5.1679% | 2,104 |
| Cash dividends to net income (ytd only)* | 65.8951% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 1,835 |
| Loan loss allowance to noncurrent loans | 800.5977% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 5,503 |
| Noncurrent loans to loans | 0.2094% | 5,065 |
| Net loans and leases to total assets | 61.7941% | 3,531 |
| Net loans and leases to deposits | 67.7290% | 4,151 |
| Net loans and leases to core deposits | 68.5111% | 4,449 |
| Total domestic deposits to total assets | 91.2372% | 287 |
| Equity capital to assets | 8.5577% | 5,690 |
| Core capital (leverage) ratio | 7.9707% | 6,017 |
| Tier 1 risk-based capital ratio | 12.2232% | 5,212 |
| Total risk-based capital ratio | 13.4779% | 5,118 |
| Memoranda: | ||
| Average total assets | $1,256,749,000 | 536 |
| Average earning assets | $1,182,016,200 | 524 |
| Average equity | $103,565,000 | 702 |
| Average total loans | $764,988,400 | 573 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 5,065 |
| Cost of funding earning assets | 0.0668% | 6,489 |
| Net interest margin | 3.5635% | 3,580 |
| Noninterest income to average assets | 0.7288% | 2,193 |
| Noninterest expense to average assets | 2.8334% | 3,339 |
| Loan and lease loss provision to assets | 0.1117% | 2,180 |
| Net operating income to assets | 1.1292% | 1,936 |
| Return on assets (ROA) | 1.1292% | 1,997 |
| Pretax return on assets | 1.1292% | 3,072 |
| Return on Equity (ROE) | 13.8379% | 1,018 |
| Retained earnings to average equity (ytd only) | 3.7199% | 3,993 |
| Net charge-offs to loans | 0.0441% | 3,617 |
| Credit loss provision to net charge-offs | 420.0000% | 668 |
| Earnings coverage of net charge-offs (x) | 46.6513% | 1,022 |
| Efficiency ratio | 69.5427% | 3,586 |
| Assets per employee ($millions) | 5.1725% | 2,047 |
| Cash dividends to net income (ytd only)* | 73.1179% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 1,838 |
| Loan loss allowance to noncurrent loans | 745.7818% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 5,632 |
| Noncurrent loans to loans | 0.2341% | 5,199 |
| Net loans and leases to total assets | 57.7207% | 4,113 |
| Net loans and leases to deposits | 62.9641% | 4,648 |
| Net loans and leases to core deposits | 63.6848% | 4,904 |
| Total domestic deposits to total assets | 91.6723% | 204 |
| Equity capital to assets | 8.1159% | 6,067 |
| Core capital (leverage) ratio | 7.9142% | 6,123 |
| Tier 1 risk-based capital ratio | 12.5613% | 5,134 |
| Total risk-based capital ratio | 13.8169% | 5,065 |
| Memoranda: | ||
| Average total assets | $1,253,111,750 | 536 |
| Average earning assets | $1,176,439,750 | 522 |
| Average equity | $102,257,750 | 712 |
| Average total loans | $756,490,250 | 579 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6560% | 4,987 |
| Cost of funding earning assets | 0.0676% | 6,551 |
| Net interest margin | 3.5884% | 3,410 |
| Noninterest income to average assets | 0.7185% | 2,193 |
| Noninterest expense to average assets | 2.8641% | 3,294 |
| Loan and lease loss provision to assets | 0.1452% | 1,701 |
| Net operating income to assets | 1.0731% | 2,030 |
| Return on assets (ROA) | 1.0731% | 2,110 |
| Pretax return on assets | 1.0731% | 3,201 |
| Return on Equity (ROE) | 13.1254% | 1,142 |
| Retained earnings to average equity (ytd only) | 3.0465% | 4,269 |
| Net charge-offs to loans | 0.0225% | 3,758 |
| Credit loss provision to net charge-offs | 1,058.8235% | 314 |
| Earnings coverage of net charge-offs (x) | 88.8471% | 608 |
| Efficiency ratio | 70.1573% | 3,630 |
| Assets per employee ($millions) | 5.1632% | 2,013 |
| Cash dividends to net income (ytd only)* | 76.7889% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 1,988 |
| Loan loss allowance to noncurrent loans | 661.1056% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 5,651 |
| Noncurrent loans to loans | 0.2642% | 5,229 |
| Net loans and leases to total assets | 59.2856% | 3,822 |
| Net loans and leases to deposits | 64.6485% | 4,424 |
| Net loans and leases to core deposits | 65.2463% | 4,711 |
| Total domestic deposits to total assets | 91.7046% | 217 |
| Equity capital to assets | 8.1210% | 6,082 |
| Core capital (leverage) ratio | 8.0572% | 6,054 |
| Tier 1 risk-based capital ratio | 12.3731% | 5,317 |
| Total risk-based capital ratio | 13.6285% | 5,234 |
| Memoranda: | ||
| Average total assets | $1,239,777,670 | 545 |
| Average earning assets | $1,162,183,670 | 529 |
| Average equity | $101,361,000 | 716 |
| Average total loans | $755,435,670 | 573 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,966 |
| Cost of funding earning assets | 0.0689% | 6,627 |
| Net interest margin | 3.5942% | 3,265 |
| Noninterest income to average assets | 0.6782% | 2,301 |
| Noninterest expense to average assets | 2.8526% | 3,369 |
| Loan and lease loss provision to assets | 0.1464% | 1,660 |
| Net operating income to assets | 1.0548% | 1,989 |
| Return on assets (ROA) | 1.0548% | 2,058 |
| Pretax return on assets | 1.0548% | 3,113 |
| Return on Equity (ROE) | 12.8580% | 1,195 |
| Retained earnings to average equity (ytd only) | 5.5151% | 2,779 |
| Net charge-offs to loans | 0.0313% | 2,964 |
| Credit loss provision to net charge-offs | 762.7119% | 380 |
| Earnings coverage of net charge-offs (x) | 62.5932% | 635 |
| Efficiency ratio | 70.3683% | 3,766 |
| Assets per employee ($millions) | 5.1215% | 2,100 |
| Cash dividends to net income (ytd only)* | 57.1076% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 2,363 |
| Loan loss allowance to noncurrent loans | 681.3892% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 5,754 |
| Noncurrent loans to loans | 0.2491% | 5,358 |
| Net loans and leases to total assets | 59.0651% | 3,692 |
| Net loans and leases to deposits | 64.4334% | 4,271 |
| Net loans and leases to core deposits | 64.9965% | 4,596 |
| Total domestic deposits to total assets | 91.6684% | 337 |
| Equity capital to assets | 8.1373% | 5,951 |
| Core capital (leverage) ratio | 8.2835% | 5,861 |
| Tier 1 risk-based capital ratio | 12.3406% | 5,415 |
| Total risk-based capital ratio | 13.5953% | 5,344 |
| Memoranda: | ||
| Average total assets | $1,229,756,000 | 550 |
| Average earning assets | $1,154,987,000 | 534 |
| Average equity | $100,886,500 | 720 |
| Average total loans | $753,069,500 | 582 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7023% | 5,133 |
| Cost of funding earning assets | 0.1061% | 6,659 |
| Net interest margin | 3.5961% | 3,482 |
| Noninterest income to average assets | 0.7884% | 2,131 |
| Noninterest expense to average assets | 2.9859% | 3,091 |
| Loan and lease loss provision to assets | 0.1449% | 2,492 |
| Net operating income to assets | 1.0480% | 2,125 |
| Return on assets (ROA) | 0.9299% | 2,725 |
| Pretax return on assets | 0.9299% | 3,644 |
| Return on Equity (ROE) | 10.9486% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.2325% | 1,344 |
| Net charge-offs to loans | 0.2477% | 2,487 |
| Credit loss provision to net charge-offs | 99.2411% | 2,498 |
| Earnings coverage of net charge-offs (x) | 8.1722% | 2,714 |
| Efficiency ratio | 71.4533% | 3,578 |
| Assets per employee ($millions) | 4.8964% | 2,316 |
| Cash dividends to net income (ytd only)* | 33.9412% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 2,524 |
| Loan loss allowance to noncurrent loans | 484.8249% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 5,269 |
| Noncurrent loans to loans | 0.3431% | 5,158 |
| Net loans and leases to total assets | 61.4088% | 3,460 |
| Net loans and leases to deposits | 67.1004% | 4,173 |
| Net loans and leases to core deposits | 67.8940% | 4,529 |
| Total domestic deposits to total assets | 91.5178% | 398 |
| Equity capital to assets | 8.2736% | 5,800 |
| Core capital (leverage) ratio | 8.1016% | 6,052 |
| Tier 1 risk-based capital ratio | 12.2980% | 5,428 |
| Total risk-based capital ratio | 13.5523% | 5,355 |
| Memoranda: | ||
| Average total assets | $1,173,517,000 | 558 |
| Average earning assets | $1,106,379,800 | 537 |
| Average equity | $99,674,800 | 710 |
| Average total loans | $691,644,200 | 604 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 5,178 |
| Cost of funding earning assets | 0.1141% | 6,735 |
| Net interest margin | 3.5829% | 3,526 |
| Noninterest income to average assets | 0.8025% | 2,132 |
| Noninterest expense to average assets | 2.9373% | 3,177 |
| Loan and lease loss provision to assets | 0.1514% | 2,378 |
| Net operating income to assets | 1.0929% | 2,031 |
| Return on assets (ROA) | 1.0944% | 2,105 |
| Pretax return on assets | 1.0944% | 3,138 |
| Return on Equity (ROE) | 12.7998% | 1,287 |
| Retained earnings to average equity (ytd only) | 10.3251% | 724 |
| Net charge-offs to loans | 0.2815% | 2,133 |
| Credit loss provision to net charge-offs | 92.6573% | 2,564 |
| Earnings coverage of net charge-offs (x) | 7.6161% | 2,771 |
| Efficiency ratio | 70.2432% | 3,717 |
| Assets per employee ($millions) | 4.8329% | 2,388 |
| Cash dividends to net income (ytd only)* | 19.3339% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 2,524 |
| Loan loss allowance to noncurrent loans | 313.3519% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 5,393 |
| Noncurrent loans to loans | 0.5514% | 4,819 |
| Net loans and leases to total assets | 58.2170% | 3,977 |
| Net loans and leases to deposits | 63.5327% | 4,565 |
| Net loans and leases to core deposits | 64.4213% | 4,858 |
| Total domestic deposits to total assets | 91.6332% | 332 |
| Equity capital to assets | 8.1839% | 6,019 |
| Core capital (leverage) ratio | 8.2081% | 6,050 |
| Tier 1 risk-based capital ratio | 12.8018% | 5,255 |
| Total risk-based capital ratio | 14.0571% | 5,192 |
| Memoranda: | ||
| Average total assets | $1,166,991,250 | 562 |
| Average earning assets | $1,100,593,000 | 542 |
| Average equity | $99,780,500 | 718 |
| Average total loans | $677,272,250 | 620 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 5,231 |
| Cost of funding earning assets | 0.1183% | 6,782 |
| Net interest margin | 3.5548% | 3,545 |
| Noninterest income to average assets | 0.7787% | 2,283 |
| Noninterest expense to average assets | 2.9624% | 3,115 |
| Loan and lease loss provision to assets | 0.1301% | 2,693 |
| Net operating income to assets | 1.0383% | 2,162 |
| Return on assets (ROA) | 1.0405% | 2,270 |
| Pretax return on assets | 1.0405% | 3,329 |
| Return on Equity (ROE) | 11.9903% | 1,496 |
| Retained earnings to average equity (ytd only) | 8.2893% | 1,368 |
| Net charge-offs to loans | 0.4322% | 1,499 |
| Credit loss provision to net charge-offs | 52.2284% | 3,171 |
| Earnings coverage of net charge-offs (x) | 4.6915% | 3,064 |
| Efficiency ratio | 71.7159% | 3,517 |
| Assets per employee ($millions) | 4.7471% | 2,453 |
| Cash dividends to net income (ytd only)* | 30.8667% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 2,874 |
| Loan loss allowance to noncurrent loans | 218.1566% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 5,105 |
| Noncurrent loans to loans | 0.7681% | 4,383 |
| Net loans and leases to total assets | 58.5161% | 3,901 |
| Net loans and leases to deposits | 63.9460% | 4,512 |
| Net loans and leases to core deposits | 65.0051% | 4,790 |
| Total domestic deposits to total assets | 91.5087% | 379 |
| Equity capital to assets | 8.2687% | 5,997 |
| Core capital (leverage) ratio | 8.2174% | 5,992 |
| Tier 1 risk-based capital ratio | 12.5405% | 5,470 |
| Total risk-based capital ratio | 13.7951% | 5,405 |
| Memoranda: | ||
| Average total assets | $1,153,244,000 | 568 |
| Average earning assets | $1,087,483,000 | 548 |
| Average equity | $100,080,670 | 718 |
| Average total loans | $664,441,330 | 630 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 5,293 |
| Cost of funding earning assets | 0.1258% | 6,846 |
| Net interest margin | 3.5302% | 3,573 |
| Noninterest income to average assets | 0.7537% | 2,321 |
| Noninterest expense to average assets | 2.9398% | 3,193 |
| Loan and lease loss provision to assets | 0.1317% | 2,594 |
| Net operating income to assets | 1.0147% | 2,164 |
| Return on assets (ROA) | 1.0147% | 2,281 |
| Pretax return on assets | 1.0147% | 3,282 |
| Return on Equity (ROE) | 11.4131% | 1,587 |
| Retained earnings to average equity (ytd only) | 4.0967% | 3,762 |
| Net charge-offs to loans | 0.0056% | 4,050 |
| Credit loss provision to net charge-offs | 4,166.6667% | 72 |
| Earnings coverage of net charge-offs (x) | 362.6667% | 101 |
| Efficiency ratio | 71.9443% | 3,624 |
| Assets per employee ($millions) | 4.6704% | 2,698 |
| Cash dividends to net income (ytd only)* | 64.1052% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 2,116 |
| Loan loss allowance to noncurrent loans | 195.5674% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 4,916 |
| Noncurrent loans to loans | 1.0085% | 4,113 |
| Net loans and leases to total assets | 56.2278% | 4,051 |
| Net loans and leases to deposits | 61.8741% | 4,564 |
| Net loans and leases to core deposits | 62.9637% | 4,850 |
| Total domestic deposits to total assets | 90.8745% | 579 |
| Equity capital to assets | 8.9258% | 5,579 |
| Core capital (leverage) ratio | 8.2545% | 5,872 |
| Tier 1 risk-based capital ratio | 13.1713% | 5,086 |
| Total risk-based capital ratio | 14.4291% | 5,035 |
| Memoranda: | ||
| Average total assets | $1,138,854,500 | 582 |
| Average earning assets | $1,075,069,500 | 556 |
| Average equity | $101,252,000 | 722 |
| Average total loans | $644,931,500 | 648 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 5,752 |
| Cost of funding earning assets | 0.1341% | 6,955 |
| Net interest margin | 3.7009% | 3,638 |
| Noninterest income to average assets | 0.8266% | 2,148 |
| Noninterest expense to average assets | 3.0246% | 3,181 |
| Loan and lease loss provision to assets | 0.1102% | 4,254 |
| Net operating income to assets | 1.1683% | 1,700 |
| Return on assets (ROA) | 1.2303% | 1,670 |
| Pretax return on assets | 1.2303% | 2,682 |
| Return on Equity (ROE) | 13.4005% | 1,129 |
| Retained earnings to average equity (ytd only) | 1.9336% | 4,855 |
| Net charge-offs to loans | 0.0359% | 5,420 |
| Credit loss provision to net charge-offs | 538.1166% | 450 |
| Earnings coverage of net charge-offs (x) | 62.4260% | 575 |
| Efficiency ratio | 70.2886% | 3,756 |
| Assets per employee ($millions) | 4.7816% | 2,522 |
| Cash dividends to net income (ytd only)* | 85.5703% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9523% | 2,150 |
| Loan loss allowance to noncurrent loans | 178.8500% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 4,855 |
| Noncurrent loans to loans | 1.0916% | 4,025 |
| Net loans and leases to total assets | 54.8142% | 4,485 |
| Net loans and leases to deposits | 60.2953% | 4,997 |
| Net loans and leases to core deposits | 61.1894% | 5,252 |
| Total domestic deposits to total assets | 90.9095% | 529 |
| Equity capital to assets | 8.8559% | 5,681 |
| Core capital (leverage) ratio | 8.1413% | 6,050 |
| Tier 1 risk-based capital ratio | 13.3400% | 4,871 |
| Total risk-based capital ratio | 14.5977% | 4,816 |
| Memoranda: | ||
| Average total assets | $1,088,855,800 | 602 |
| Average earning assets | $1,022,821,600 | 575 |
| Average equity | $99,966,400 | 712 |
| Average total loans | $620,758,600 | 667 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 5,790 |
| Cost of funding earning assets | 0.1358% | 7,067 |
| Net interest margin | 3.7632% | 3,495 |
| Noninterest income to average assets | 0.8467% | 2,051 |
| Noninterest expense to average assets | 3.0417% | 3,090 |
| Loan and lease loss provision to assets | 0.1116% | 4,172 |
| Net operating income to assets | 1.2297% | 1,636 |
| Return on assets (ROA) | 1.3134% | 1,549 |
| Pretax return on assets | 1.3134% | 2,546 |
| Return on Equity (ROE) | 14.1723% | 1,071 |
| Retained earnings to average equity (ytd only) | 1.3138% | 5,648 |
| Net charge-offs to loans | 0.1084% | 4,308 |
| Credit loss provision to net charge-offs | 179.6407% | 1,553 |
| Earnings coverage of net charge-offs (x) | 21.5929% | 1,397 |
| Efficiency ratio | 69.3983% | 3,802 |
| Assets per employee ($millions) | 4.6475% | 2,681 |
| Cash dividends to net income (ytd only)* | 90.7297% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 2,358 |
| Loan loss allowance to noncurrent loans | 146.5443% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 4,773 |
| Noncurrent loans to loans | 1.3244% | 3,820 |
| Net loans and leases to total assets | 54.7934% | 4,624 |
| Net loans and leases to deposits | 60.4838% | 5,148 |
| Net loans and leases to core deposits | 61.2765% | 5,428 |
| Total domestic deposits to total assets | 90.5919% | 565 |
| Equity capital to assets | 9.2013% | 5,594 |
| Core capital (leverage) ratio | 8.2842% | 6,041 |
| Tier 1 risk-based capital ratio | 13.9523% | 4,565 |
| Total risk-based capital ratio | 15.2100% | 4,507 |
| Memoranda: | ||
| Average total assets | $1,075,371,750 | 612 |
| Average earning assets | $1,010,536,250 | 587 |
| Average equity | $99,657,000 | 715 |
| Average total loans | $616,227,000 | 669 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 5,693 |
| Cost of funding earning assets | 0.1376% | 7,141 |
| Net interest margin | 3.8468% | 3,149 |
| Noninterest income to average assets | 0.8519% | 1,960 |
| Noninterest expense to average assets | 3.0301% | 3,152 |
| Loan and lease loss provision to assets | 0.1123% | 4,125 |
| Net operating income to assets | 1.3271% | 1,370 |
| Return on assets (ROA) | 1.4435% | 1,236 |
| Pretax return on assets | 1.4435% | 2,037 |
| Return on Equity (ROE) | 15.5388% | 845 |
| Retained earnings to average equity (ytd only) | 1.5962% | 5,408 |
| Net charge-offs to loans | 0.1542% | 3,684 |
| Credit loss provision to net charge-offs | 126.0504% | 2,178 |
| Earnings coverage of net charge-offs (x) | 16.1513% | 1,609 |
| Efficiency ratio | 67.7949% | 4,165 |
| Assets per employee ($millions) | 4.6153% | 2,694 |
| Cash dividends to net income (ytd only)* | 89.7276% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8883% | 2,592 |
| Loan loss allowance to noncurrent loans | 120.5269% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 4,508 |
| Noncurrent loans to loans | 1.5667% | 3,561 |
| Net loans and leases to total assets | 55.6653% | 4,522 |
| Net loans and leases to deposits | 61.4094% | 5,082 |
| Net loans and leases to core deposits | 62.2961% | 5,361 |
| Total domestic deposits to total assets | 90.6463% | 590 |
| Equity capital to assets | 9.1719% | 5,497 |
| Core capital (leverage) ratio | 8.4572% | 5,700 |
| Tier 1 risk-based capital ratio | 13.9026% | 4,522 |
| Total risk-based capital ratio | 15.1598% | 4,491 |
| Memoranda: | ||
| Average total assets | $1,068,226,670 | 620 |
| Average earning assets | $1,004,579,330 | 592 |
| Average equity | $99,235,670 | 724 |
| Average total loans | $617,345,000 | 673 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 5,608 |
| Cost of funding earning assets | 0.1416% | 7,205 |
| Net interest margin | 3.9076% | 2,890 |
| Noninterest income to average assets | 0.8781% | 1,837 |
| Noninterest expense to average assets | 2.9923% | 3,277 |
| Loan and lease loss provision to assets | 0.1132% | 3,938 |
| Net operating income to assets | 1.4482% | 1,123 |
| Return on assets (ROA) | 1.4501% | 1,247 |
| Pretax return on assets | 1.4501% | 2,017 |
| Return on Equity (ROE) | 15.5094% | 883 |
| Retained earnings to average equity (ytd only) | 2.4618% | 5,028 |
| Net charge-offs to loans | 0.2484% | 2,683 |
| Credit loss provision to net charge-offs | 78.1250% | 2,762 |
| Earnings coverage of net charge-offs (x) | 10.7760% | 1,730 |
| Efficiency ratio | 65.7110% | 4,609 |
| Assets per employee ($millions) | 4.6983% | 2,663 |
| Cash dividends to net income (ytd only)* | 84.1270% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8587% | 2,812 |
| Loan loss allowance to noncurrent loans | 110.6457% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0295% | 4,436 |
| Noncurrent loans to loans | 1.6798% | 3,585 |
| Net loans and leases to total assets | 56.5005% | 4,290 |
| Net loans and leases to deposits | 62.4000% | 4,861 |
| Net loans and leases to core deposits | 63.2299% | 5,200 |
| Total domestic deposits to total assets | 90.5457% | 778 |
| Equity capital to assets | 9.2822% | 5,116 |
| Core capital (leverage) ratio | 8.5669% | 5,485 |
| Tier 1 risk-based capital ratio | 13.4398% | 4,870 |
| Total risk-based capital ratio | 14.6958% | 4,861 |
| Memoranda: | ||
| Average total assets | $1,060,038,500 | 631 |
| Average earning assets | $997,134,000 | 595 |
| Average equity | $99,114,000 | 720 |
| Average total loans | $618,333,500 | 675 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 5,559 |
| Cost of funding earning assets | 0.2043% | 7,233 |
| Net interest margin | 4.1588% | 2,201 |
| Noninterest income to average assets | 0.8994% | 1,673 |
| Noninterest expense to average assets | 3.2911% | 2,549 |
| Loan and lease loss provision to assets | 0.1535% | 4,705 |
| Net operating income to assets | 1.3589% | 1,118 |
| Return on assets (ROA) | 1.5188% | 859 |
| Pretax return on assets | 1.5188% | 1,418 |
| Return on Equity (ROE) | 16.5374% | 530 |
| Retained earnings to average equity (ytd only) | 9.0110% | 796 |
| Net charge-offs to loans | 0.0899% | 5,438 |
| Credit loss provision to net charge-offs | 279.2793% | 849 |
| Earnings coverage of net charge-offs (x) | 27.5207% | 903 |
| Efficiency ratio | 68.5157% | 4,251 |
| Assets per employee ($millions) | 4.5412% | 2,842 |
| Cash dividends to net income (ytd only)* | 45.5114% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8462% | 2,722 |
| Loan loss allowance to noncurrent loans | 107.1389% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 4,481 |
| Noncurrent loans to loans | 1.7232% | 3,578 |
| Net loans and leases to total assets | 58.0102% | 4,365 |
| Net loans and leases to deposits | 64.1991% | 4,982 |
| Net loans and leases to core deposits | 65.1522% | 5,349 |
| Total domestic deposits to total assets | 90.3597% | 785 |
| Equity capital to assets | 9.4187% | 5,004 |
| Core capital (leverage) ratio | 8.3262% | 5,822 |
| Tier 1 risk-based capital ratio | 13.2925% | 4,841 |
| Total risk-based capital ratio | 14.5834% | 4,795 |
| Memoranda: | ||
| Average total assets | $1,009,970,600 | 654 |
| Average earning assets | $948,095,200 | 626 |
| Average equity | $92,753,400 | 735 |
| Average total loans | $617,219,600 | 678 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 5,833 |
| Cost of funding earning assets | 0.2200% | 7,306 |
| Net interest margin | 4.1136% | 2,419 |
| Noninterest income to average assets | 0.9025% | 1,637 |
| Noninterest expense to average assets | 3.3542% | 2,333 |
| Loan and lease loss provision to assets | 0.1668% | 4,390 |
| Net operating income to assets | 1.2417% | 1,538 |
| Return on assets (ROA) | 1.2595% | 1,594 |
| Pretax return on assets | 1.2595% | 2,432 |
| Return on Equity (ROE) | 13.8080% | 1,078 |
| Retained earnings to average equity (ytd only) | 6.2924% | 2,375 |
| Net charge-offs to loans | 0.0513% | 5,468 |
| Credit loss provision to net charge-offs | 527.4262% | 524 |
| Earnings coverage of net charge-offs (x) | 44.5319% | 712 |
| Efficiency ratio | 70.4270% | 3,874 |
| Assets per employee ($millions) | 4.4098% | 3,061 |
| Cash dividends to net income (ytd only)* | 54.4289% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8621% | 2,742 |
| Loan loss allowance to noncurrent loans | 160.7876% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 5,255 |
| Noncurrent loans to loans | 1.1581% | 4,605 |
| Net loans and leases to total assets | 57.3365% | 4,617 |
| Net loans and leases to deposits | 63.2846% | 5,258 |
| Net loans and leases to core deposits | 64.2861% | 5,589 |
| Total domestic deposits to total assets | 90.6011% | 589 |
| Equity capital to assets | 9.1160% | 5,621 |
| Core capital (leverage) ratio | 8.2397% | 6,073 |
| Tier 1 risk-based capital ratio | 12.6226% | 5,394 |
| Total risk-based capital ratio | 13.9106% | 5,342 |
| Memoranda: | ||
| Average total assets | $999,071,000 | 667 |
| Average earning assets | $937,516,500 | 640 |
| Average equity | $91,133,500 | 745 |
| Average total loans | $615,856,250 | 683 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 5,659 |
| Cost of funding earning assets | 0.2470% | 7,366 |
| Net interest margin | 4.1614% | 2,182 |
| Noninterest income to average assets | 0.8302% | 1,891 |
| Noninterest expense to average assets | 3.4447% | 2,137 |
| Loan and lease loss provision to assets | 0.1838% | 4,085 |
| Net operating income to assets | 1.1063% | 1,853 |
| Return on assets (ROA) | 1.1337% | 1,855 |
| Pretax return on assets | 1.1337% | 2,717 |
| Return on Equity (ROE) | 12.4251% | 1,365 |
| Retained earnings to average equity (ytd only) | 5.0027% | 3,004 |
| Net charge-offs to loans | 0.0055% | 5,798 |
| Credit loss provision to net charge-offs | 5,294.1176% | 61 |
| Earnings coverage of net charge-offs (x) | 371.5882% | 87 |
| Efficiency ratio | 72.7528% | 3,591 |
| Assets per employee ($millions) | 4.0547% | 3,644 |
| Cash dividends to net income (ytd only)* | 59.7370% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 2,770 |
| Loan loss allowance to noncurrent loans | 166.3112% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 5,354 |
| Noncurrent loans to loans | 1.1229% | 4,788 |
| Net loans and leases to total assets | 59.0112% | 4,467 |
| Net loans and leases to deposits | 65.1230% | 5,125 |
| Net loans and leases to core deposits | 66.1206% | 5,499 |
| Total domestic deposits to total assets | 90.6150% | 669 |
| Equity capital to assets | 9.0386% | 5,523 |
| Core capital (leverage) ratio | 8.3066% | 5,860 |
| Tier 1 risk-based capital ratio | 12.5212% | 5,326 |
| Total risk-based capital ratio | 13.7772% | 5,297 |
| Memoranda: | ||
| Average total assets | $979,313,000 | 684 |
| Average earning assets | $918,867,330 | 659 |
| Average equity | $89,351,670 | 757 |
| Average total loans | $615,031,000 | 693 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 5,440 |
| Cost of funding earning assets | 0.2719% | 7,416 |
| Net interest margin | 4.1988% | 1,893 |
| Noninterest income to average assets | 0.8298% | 1,923 |
| Noninterest expense to average assets | 3.4129% | 2,241 |
| Loan and lease loss provision to assets | 0.1871% | 3,745 |
| Net operating income to assets | 1.1778% | 1,575 |
| Return on assets (ROA) | 1.1778% | 1,628 |
| Pretax return on assets | 1.1778% | 2,458 |
| Return on Equity (ROE) | 12.8457% | 1,232 |
| Retained earnings to average equity (ytd only) | 9.1457% | 1,337 |
| Net charge-offs to loans | 0.0104% | 4,951 |
| Credit loss provision to net charge-offs | 2,812.5000% | 142 |
| Earnings coverage of net charge-offs (x) | 205.1875% | 150 |
| Efficiency ratio | 71.4323% | 3,970 |
| Assets per employee ($millions) | 3.8544% | 4,173 |
| Cash dividends to net income (ytd only)* | 28.8034% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 3,063 |
| Loan loss allowance to noncurrent loans | 166.4637% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 5,383 |
| Noncurrent loans to loans | 1.0701% | 4,907 |
| Net loans and leases to total assets | 61.8313% | 3,890 |
| Net loans and leases to deposits | 68.3821% | 4,626 |
| Net loans and leases to core deposits | 69.7771% | 5,069 |
| Total domestic deposits to total assets | 90.4203% | 885 |
| Equity capital to assets | 9.2525% | 4,812 |
| Core capital (leverage) ratio | 8.5397% | 5,373 |
| Tier 1 risk-based capital ratio | 12.7189% | 5,042 |
| Total risk-based capital ratio | 13.9745% | 5,014 |
| Memoranda: | ||
| Average total assets | $962,127,500 | 699 |
| Average earning assets | $904,643,500 | 671 |
| Average equity | $88,216,000 | 757 |
| Average total loans | $617,761,000 | 695 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7394% | 5,657 |
| Cost of funding earning assets | 0.3807% | 7,448 |
| Net interest margin | 4.3587% | 1,624 |
| Noninterest income to average assets | 1.3664% | 784 |
| Noninterest expense to average assets | 4.1282% | 989 |
| Loan and lease loss provision to assets | 0.1978% | 5,253 |
| Net operating income to assets | 1.0856% | 1,738 |
| Return on assets (ROA) | 1.2539% | 1,354 |
| Pretax return on assets | 1.2539% | 2,067 |
| Return on Equity (ROE) | 12.7378% | 1,158 |
| Retained earnings to average equity (ytd only) | 1.9066% | 4,530 |
| Net charge-offs to loans | 0.2641% | 4,713 |
| Credit loss provision to net charge-offs | 111.0426% | 3,959 |
| Earnings coverage of net charge-offs (x) | 7.2048% | 2,180 |
| Efficiency ratio | 76.2848% | 3,009 |
| Assets per employee ($millions) | 3.6786% | 4,511 |
| Cash dividends to net income (ytd only)* | 85.0320% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 3,257 |
| Loan loss allowance to noncurrent loans | 136.6962% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 4,789 |
| Noncurrent loans to loans | 1.2358% | 4,655 |
| Net loans and leases to total assets | 64.3910% | 3,787 |
| Net loans and leases to deposits | 71.1244% | 4,664 |
| Net loans and leases to core deposits | 72.8270% | 5,118 |
| Total domestic deposits to total assets | 90.5330% | 814 |
| Equity capital to assets | 9.0829% | 5,016 |
| Core capital (leverage) ratio | 8.4350% | 5,476 |
| Tier 1 risk-based capital ratio | 12.3207% | 5,189 |
| Total risk-based capital ratio | 13.5753% | 5,151 |
| Memoranda: | ||
| Average total assets | $910,022,800 | 740 |
| Average earning assets | $844,562,800 | 721 |
| Average equity | $89,584,000 | 747 |
| Average total loans | $613,807,000 | 723 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 5,606 |
| Cost of funding earning assets | 0.4041% | 7,565 |
| Net interest margin | 4.4086% | 1,498 |
| Noninterest income to average assets | 1.3954% | 697 |
| Noninterest expense to average assets | 4.1378% | 891 |
| Loan and lease loss provision to assets | 0.1999% | 5,055 |
| Net operating income to assets | 1.1392% | 1,770 |
| Return on assets (ROA) | 1.1392% | 1,879 |
| Pretax return on assets | 1.1392% | 2,700 |
| Return on Equity (ROE) | 11.3412% | 1,687 |
| Retained earnings to average equity (ytd only) | 7.2365% | 1,735 |
| Net charge-offs to loans | 0.1268% | 5,287 |
| Credit loss provision to net charge-offs | 231.9588% | 1,475 |
| Earnings coverage of net charge-offs (x) | 15.5361% | 1,432 |
| Efficiency ratio | 75.5496% | 3,026 |
| Assets per employee ($millions) | 3.3129% | 5,424 |
| Cash dividends to net income (ytd only)* | 36.1935% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 2,785 |
| Loan loss allowance to noncurrent loans | 121.4145% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1717% | 4,780 |
| Noncurrent loans to loans | 1.4841% | 4,408 |
| Net loans and leases to total assets | 64.0101% | 4,132 |
| Net loans and leases to deposits | 71.4277% | 4,924 |
| Net loans and leases to core deposits | 73.1862% | 5,384 |
| Total domestic deposits to total assets | 89.6152% | 1,066 |
| Equity capital to assets | 10.0351% | 4,116 |
| Core capital (leverage) ratio | 8.7697% | 5,068 |
| Tier 1 risk-based capital ratio | 12.7349% | 4,789 |
| Total risk-based capital ratio | 13.9904% | 4,762 |
| Memoranda: | ||
| Average total assets | $900,256,750 | 748 |
| Average earning assets | $833,475,500 | 723 |
| Average equity | $90,428,750 | 735 |
| Average total loans | $611,851,750 | 725 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 5,700 |
| Cost of funding earning assets | 0.4127% | 7,648 |
| Net interest margin | 4.4127% | 1,411 |
| Noninterest income to average assets | 1.4530% | 602 |
| Noninterest expense to average assets | 4.1490% | 865 |
| Loan and lease loss provision to assets | 0.2032% | 4,840 |
| Net operating income to assets | 1.1892% | 1,585 |
| Return on assets (ROA) | 1.1892% | 1,656 |
| Pretax return on assets | 1.1892% | 2,447 |
| Return on Equity (ROE) | 11.8352% | 1,492 |
| Retained earnings to average equity (ytd only) | 6.7042% | 1,971 |
| Net charge-offs to loans | 0.1595% | 4,668 |
| Credit loss provision to net charge-offs | 184.8049% | 2,133 |
| Earnings coverage of net charge-offs (x) | 12.6612% | 1,659 |
| Efficiency ratio | 74.8716% | 3,285 |
| Assets per employee ($millions) | 3.1163% | 5,878 |
| Cash dividends to net income (ytd only)* | 43.3536% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7408% | 2,934 |
| Loan loss allowance to noncurrent loans | 87.1984% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.4405% | 4,307 |
| Noncurrent loans to loans | 1.9963% | 3,720 |
| Net loans and leases to total assets | 67.0496% | 3,610 |
| Net loans and leases to deposits | 74.7160% | 4,563 |
| Net loans and leases to core deposits | 76.4141% | 5,151 |
| Total domestic deposits to total assets | 89.7393% | 1,054 |
| Equity capital to assets | 9.9192% | 4,113 |
| Core capital (leverage) ratio | 8.8894% | 4,767 |
| Tier 1 risk-based capital ratio | 12.5186% | 4,843 |
| Total risk-based capital ratio | 13.7742% | 4,806 |
| Memoranda: | ||
| Average total assets | $885,621,330 | 762 |
| Average earning assets | $820,538,000 | 741 |
| Average equity | $88,989,000 | 732 |
| Average total loans | $610,652,330 | 732 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 5,853 |
| Cost of funding earning assets | 0.4120% | 7,766 |
| Net interest margin | 4.4000% | 1,393 |
| Noninterest income to average assets | 1.5255% | 519 |
| Noninterest expense to average assets | 4.1754% | 834 |
| Loan and lease loss provision to assets | 0.2053% | 4,447 |
| Net operating income to assets | 1.2284% | 1,468 |
| Return on assets (ROA) | 1.2284% | 1,544 |
| Pretax return on assets | 1.2284% | 2,270 |
| Return on Equity (ROE) | 12.1450% | 1,457 |
| Retained earnings to average equity (ytd only) | 10.1690% | 1,101 |
| Net charge-offs to loans | 0.2548% | 3,415 |
| Credit loss provision to net charge-offs | 116.2791% | 3,000 |
| Earnings coverage of net charge-offs (x) | 8.1189% | 1,988 |
| Efficiency ratio | 74.4387% | 3,502 |
| Assets per employee ($millions) | 3.0929% | 6,013 |
| Cash dividends to net income (ytd only)* | 16.2704% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 3,111 |
| Loan loss allowance to noncurrent loans | 86.4624% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.5212% | 4,220 |
| Noncurrent loans to loans | 1.9504% | 3,858 |
| Net loans and leases to total assets | 68.6835% | 3,238 |
| Net loans and leases to deposits | 76.8289% | 4,250 |
| Net loans and leases to core deposits | 78.3746% | 4,982 |
| Total domestic deposits to total assets | 89.3981% | 1,300 |
| Equity capital to assets | 10.2153% | 3,588 |
| Core capital (leverage) ratio | 9.0997% | 4,375 |
| Tier 1 risk-based capital ratio | 12.3307% | 4,877 |
| Total risk-based capital ratio | 13.5831% | 4,833 |
| Memoranda: | ||
| Average total assets | $876,566,000 | 786 |
| Average earning assets | $813,548,500 | 769 |
| Average equity | $88,662,000 | 739 |
| Average total loans | $607,636,500 | 759 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3950% | 4,722 |
| Cost of funding earning assets | 0.5904% | 7,780 |
| Net interest margin | 4.8046% | 688 |
| Noninterest income to average assets | 1.4208% | 724 |
| Noninterest expense to average assets | 4.3644% | 916 |
| Loan and lease loss provision to assets | 0.2086% | 5,674 |
| Net operating income to assets | 1.2791% | 1,076 |
| Return on assets (ROA) | 1.2791% | 1,131 |
| Pretax return on assets | 1.2791% | 1,752 |
| Return on Equity (ROE) | 13.4604% | 876 |
| Retained earnings to average equity (ytd only) | 5.9087% | 1,384 |
| Net charge-offs to loans | 0.0941% | 6,190 |
| Credit loss provision to net charge-offs | 314.6853% | 1,037 |
| Earnings coverage of net charge-offs (x) | 22.4388% | 964 |
| Efficiency ratio | 74.5781% | 3,782 |
| Assets per employee ($millions) | 3.0800% | 6,033 |
| Cash dividends to net income (ytd only)* | 56.1033% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 2,823 |
| Loan loss allowance to noncurrent loans | 89.3680% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.4189% | 4,286 |
| Noncurrent loans to loans | 1.9268% | 3,760 |
| Net loans and leases to total assets | 67.5883% | 3,801 |
| Net loans and leases to deposits | 75.7261% | 4,790 |
| Net loans and leases to core deposits | 80.5720% | 6,031 |
| Total domestic deposits to total assets | 89.2536% | 1,354 |
| Equity capital to assets | 10.0130% | 3,746 |
| Core capital (leverage) ratio | 8.6072% | 5,090 |
| Tier 1 risk-based capital ratio | 12.2085% | 4,763 |
| Total risk-based capital ratio | 13.4607% | 4,723 |
| Memoranda: | ||
| Average total assets | $862,735,000 | 788 |
| Average earning assets | $795,703,200 | 768 |
| Average equity | $81,981,000 | 788 |
| Average total loans | $607,824,600 | 769 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 5,668 |
| Cost of funding earning assets | 0.6158% | 7,877 |
| Net interest margin | 4.6369% | 930 |
| Noninterest income to average assets | 1.4190% | 748 |
| Noninterest expense to average assets | 4.1348% | 1,098 |
| Loan and lease loss provision to assets | 0.2092% | 5,306 |
| Net operating income to assets | 1.3489% | 1,124 |
| Return on assets (ROA) | 1.3489% | 1,189 |
| Pretax return on assets | 1.3489% | 1,827 |
| Return on Equity (ROE) | 14.3915% | 860 |
| Retained earnings to average equity (ytd only) | 4.1574% | 2,958 |
| Net charge-offs to loans | 0.1021% | 5,651 |
| Credit loss provision to net charge-offs | 289.0792% | 1,440 |
| Earnings coverage of net charge-offs (x) | 21.5332% | 1,195 |
| Efficiency ratio | 72.6308% | 4,120 |
| Assets per employee ($millions) | 3.0476% | 6,046 |
| Cash dividends to net income (ytd only)* | 71.1119% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 2,845 |
| Loan loss allowance to noncurrent loans | 69.9993% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.7312% | 3,768 |
| Noncurrent loans to loans | 2.3450% | 3,211 |
| Net loans and leases to total assets | 68.3496% | 3,880 |
| Net loans and leases to deposits | 76.1642% | 5,007 |
| Net loans and leases to core deposits | 81.3146% | 6,250 |
| Total domestic deposits to total assets | 89.7397% | 873 |
| Equity capital to assets | 9.8606% | 4,255 |
| Core capital (leverage) ratio | 8.5372% | 5,426 |
| Tier 1 risk-based capital ratio | 11.7666% | 5,180 |
| Total risk-based capital ratio | 13.0208% | 5,121 |
| Memoranda: | ||
| Average total assets | $860,506,250 | 800 |
| Average earning assets | $793,158,000 | 782 |
| Average equity | $80,656,750 | 811 |
| Average total loans | $609,917,000 | 786 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 5,480 |
| Cost of funding earning assets | 0.6502% | 7,958 |
| Net interest margin | 4.6842% | 822 |
| Noninterest income to average assets | 1.4751% | 677 |
| Noninterest expense to average assets | 4.1323% | 1,154 |
| Loan and lease loss provision to assets | 0.2103% | 4,941 |
| Net operating income to assets | 1.4412% | 940 |
| Return on assets (ROA) | 1.4412% | 1,007 |
| Pretax return on assets | 1.4412% | 1,618 |
| Return on Equity (ROE) | 15.6536% | 740 |
| Retained earnings to average equity (ytd only) | 1.4697% | 4,506 |
| Net charge-offs to loans | 0.0616% | 5,635 |
| Credit loss provision to net charge-offs | 478.7234% | 971 |
| Earnings coverage of net charge-offs (x) | 37.5904% | 849 |
| Efficiency ratio | 71.4453% | 4,519 |
| Assets per employee ($millions) | 2.9277% | 6,318 |
| Cash dividends to net income (ytd only)* | 90.6113% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 2,694 |
| Loan loss allowance to noncurrent loans | 93.6223% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.3693% | 4,222 |
| Noncurrent loans to loans | 1.7199% | 3,926 |
| Net loans and leases to total assets | 69.6117% | 3,791 |
| Net loans and leases to deposits | 77.1069% | 5,016 |
| Net loans and leases to core deposits | 82.1238% | 6,225 |
| Total domestic deposits to total assets | 90.2795% | 717 |
| Equity capital to assets | 9.2012% | 5,008 |
| Core capital (leverage) ratio | 8.4949% | 5,459 |
| Tier 1 risk-based capital ratio | 11.4638% | 5,429 |
| Total risk-based capital ratio | 12.7177% | 5,341 |
| Memoranda: | ||
| Average total assets | $855,787,000 | 822 |
| Average earning assets | $787,197,000 | 812 |
| Average equity | $78,793,330 | 841 |
| Average total loans | $610,620,670 | 804 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3785% | 5,534 |
| Cost of funding earning assets | 0.6733% | 8,007 |
| Net interest margin | 4.7051% | 756 |
| Noninterest income to average assets | 1.5263% | 600 |
| Noninterest expense to average assets | 4.1087% | 1,051 |
| Loan and lease loss provision to assets | 0.2109% | 4,338 |
| Net operating income to assets | 1.5338% | 881 |
| Return on assets (ROA) | 1.5338% | 956 |
| Pretax return on assets | 1.5338% | 1,578 |
| Return on Equity (ROE) | 16.6533% | 732 |
| Retained earnings to average equity (ytd only) | -2.7026% | 6,220 |
| Net charge-offs to loans | 0.1184% | 4,023 |
| Credit loss provision to net charge-offs | 248.6188% | 1,893 |
| Earnings coverage of net charge-offs (x) | 20.5635% | 1,366 |
| Efficiency ratio | 70.1930% | 4,533 |
| Assets per employee ($millions) | 2.8626% | 6,496 |
| Cash dividends to net income (ytd only)* | 116.2286% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 2,800 |
| Loan loss allowance to noncurrent loans | 95.5798% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.3044% | 4,065 |
| Noncurrent loans to loans | 1.6040% | 3,871 |
| Net loans and leases to total assets | 70.9697% | 3,476 |
| Net loans and leases to deposits | 78.6006% | 4,830 |
| Net loans and leases to core deposits | 83.1201% | 6,137 |
| Total domestic deposits to total assets | 90.2916% | 683 |
| Equity capital to assets | 9.3437% | 4,871 |
| Core capital (leverage) ratio | 8.3015% | 5,903 |
| Tier 1 risk-based capital ratio | 11.1957% | 5,705 |
| Total risk-based capital ratio | 12.4460% | 5,623 |
| Memoranda: | ||
| Average total assets | $853,312,500 | 824 |
| Average earning assets | $784,759,000 | 818 |
| Average equity | $78,591,000 | 836 |
| Average total loans | $611,441,500 | 805 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0608% | 5,244 |
| Cost of funding earning assets | 1.1916% | 7,951 |
| Net interest margin | 4.8693% | 676 |
| Noninterest income to average assets | 1.4636% | 660 |
| Noninterest expense to average assets | 3.9482% | 1,488 |
| Loan and lease loss provision to assets | 0.1836% | 5,060 |
| Net operating income to assets | 1.7454% | 617 |
| Return on assets (ROA) | 1.7454% | 594 |
| Pretax return on assets | 1.7454% | 1,059 |
| Return on Equity (ROE) | 20.9860% | 304 |
| Retained earnings to average equity (ytd only) | 10.7731% | 357 |
| Net charge-offs to loans | 0.0383% | 6,257 |
| Credit loss provision to net charge-offs | 695.6522% | 609 |
| Earnings coverage of net charge-offs (x) | 73.0870% | 556 |
| Efficiency ratio | 67.1789% | 4,877 |
| Assets per employee ($millions) | 2.9128% | 6,263 |
| Cash dividends to net income (ytd only)* | 48.6654% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 2,769 |
| Loan loss allowance to noncurrent loans | 84.0714% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 3,579 |
| Noncurrent loans to loans | 1.7670% | 3,114 |
| Net loans and leases to total assets | 70.1829% | 3,974 |
| Net loans and leases to deposits | 78.0845% | 5,327 |
| Net loans and leases to core deposits | 82.0909% | 6,456 |
| Total domestic deposits to total assets | 89.8808% | 699 |
| Equity capital to assets | 9.0784% | 5,258 |
| Core capital (leverage) ratio | 8.2849% | 5,985 |
| Tier 1 risk-based capital ratio | 11.2141% | 5,526 |
| Total risk-based capital ratio | 12.4601% | 5,413 |
| Memoranda: | ||
| Average total assets | $871,455,200 | 775 |
| Average earning assets | $789,894,200 | 779 |
| Average equity | $72,476,800 | 916 |
| Average total loans | $600,308,600 | 796 |