Home > First Bank & Trust > Performance and Condition Ratios
First Bank & Trust, 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 | 4.9601% | 2,153 |
| Cost of funding earning assets | 1.8711% | 1,122 |
| Net interest margin | 3.0890% | 3,119 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.5022% | 2,291 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.8379% | 2,749 |
| Return on assets (ROA) | 0.8383% | 2,726 |
| Pretax return on assets | 1.0837% | 2,456 |
| Return on Equity (ROE) | 8.6300% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.6217% | 2,016 |
| Net charge-offs to loans | 0.0195% | 1,961 |
| Credit loss provision to net charge-offs | 662.5578% | 549 |
| Earnings coverage of net charge-offs (x) | 80.5039% | 1,019 |
| Efficiency ratio | 66.1986% | 2,331 |
| Assets per employee ($millions) | 6.9036% | 2,137 |
| Cash dividends to net income (ytd only)* | 23.2359% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 2,444 |
| Loan loss allowance to noncurrent loans | 370.9675% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 1,435 |
| Noncurrent loans to loans | 0.3163% | 2,050 |
| Net loans and leases to total assets | 74.7400% | 1,267 |
| Net loans and leases to deposits | 91.3111% | 1,153 |
| Net loans and leases to core deposits | 104.5076% | 1,192 |
| Total domestic deposits to total assets | 81.8600% | 3,151 |
| Equity capital to assets | 9.6007% | 2,276 |
| Core capital (leverage) ratio | 9.1473% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $4,466,208,800 | 297 |
| Average earning assets | $4,132,241,800 | 291 |
| Average equity | $434,059,800 | 297 |
| Average total loans | $3,320,240,200 | 276 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 2,142 |
| Cost of funding earning assets | 1.6505% | 1,275 |
| Net interest margin | 3.2125% | 2,888 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 2.5666% | 2,039 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9033% | 2,665 |
| Return on assets (ROA) | 0.9036% | 2,651 |
| Pretax return on assets | 1.1729% | 2,360 |
| Return on Equity (ROE) | 9.2700% | 2,857 |
| Retained earnings to average equity (ytd only) | 6.5679% | 2,440 |
| Net charge-offs to loans | 0.0182% | 1,770 |
| Credit loss provision to net charge-offs | 482.0628% | 652 |
| Earnings coverage of net charge-offs (x) | 91.7309% | 965 |
| Efficiency ratio | 65.5661% | 2,323 |
| Assets per employee ($millions) | 6.7118% | 2,175 |
| Cash dividends to net income (ytd only)* | 29.1272% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,529 |
| Loan loss allowance to noncurrent loans | 473.5889% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 1,569 |
| Noncurrent loans to loans | 0.2465% | 2,360 |
| Net loans and leases to total assets | 74.0000% | 1,341 |
| Net loans and leases to deposits | 89.0087% | 1,305 |
| Net loans and leases to core deposits | 102.9993% | 1,166 |
| Total domestic deposits to total assets | 83.1300% | 2,989 |
| Equity capital to assets | 9.6106% | 2,036 |
| Core capital (leverage) ratio | 9.3457% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $4,407,423,750 | 302 |
| Average earning assets | $4,079,461,000 | 293 |
| Average equity | $429,734,250 | 300 |
| Average total loans | $3,261,388,500 | 282 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 2,162 |
| Cost of funding earning assets | 1.4209% | 1,391 |
| Net interest margin | 3.3000% | 2,747 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 2.6054% | 1,919 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9662% | 2,526 |
| Return on assets (ROA) | 0.9666% | 2,519 |
| Pretax return on assets | 1.2486% | 2,230 |
| Return on Equity (ROE) | 9.8600% | 2,750 |
| Retained earnings to average equity (ytd only) | 5.7917% | 2,696 |
| Net charge-offs to loans | 0.0044% | 2,129 |
| Credit loss provision to net charge-offs | 633.8028% | 555 |
| Earnings coverage of net charge-offs (x) | 389.5211% | 369 |
| Efficiency ratio | 65.3637% | 2,327 |
| Assets per employee ($millions) | 6.4570% | 2,324 |
| Cash dividends to net income (ytd only)* | 41.2890% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,577 |
| Loan loss allowance to noncurrent loans | 1,064.1019% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 1,868 |
| Noncurrent loans to loans | 0.1102% | 2,930 |
| Net loans and leases to total assets | 73.3700% | 1,360 |
| Net loans and leases to deposits | 84.5601% | 1,621 |
| Net loans and leases to core deposits | 97.6531% | 1,369 |
| Total domestic deposits to total assets | 86.7700% | 2,001 |
| Equity capital to assets | 9.7501% | 2,002 |
| Core capital (leverage) ratio | 9.3684% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $4,359,691,667 | 294 |
| Average earning assets | $4,040,292,000 | 286 |
| Average equity | $427,198,333 | 294 |
| Average total loans | $3,212,832,667 | 278 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 2,043 |
| Cost of funding earning assets | 1.2005% | 1,449 |
| Net interest margin | 3.4160% | 2,588 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 2.6431% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0169% | 2,480 |
| Return on assets (ROA) | 1.0169% | 2,448 |
| Pretax return on assets | 1.3140% | 2,141 |
| Return on Equity (ROE) | 10.3500% | 2,682 |
| Retained earnings to average equity (ytd only) | 10.3514% | 1,616 |
| Net charge-offs to loans | -0.0038% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.9342% | 2,337 |
| Assets per employee ($millions) | 6.1477% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,496 |
| Loan loss allowance to noncurrent loans | 773.2494% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 1,634 |
| Noncurrent loans to loans | 0.1566% | 2,704 |
| Net loans and leases to total assets | 72.5300% | 1,369 |
| Net loans and leases to deposits | 83.3196% | 1,547 |
| Net loans and leases to core deposits | 88.8003% | 1,688 |
| Total domestic deposits to total assets | 87.0500% | 2,244 |
| Equity capital to assets | 10.0845% | 1,775 |
| Core capital (leverage) ratio | 9.4898% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $4,331,249,000 | 308 |
| Average earning assets | $4,017,407,000 | 298 |
| Average equity | $425,488,000 | 301 |
| Average total loans | $3,179,803,000 | 285 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 1,101 |
| Cost of funding earning assets | 0.3919% | 2,159 |
| Net interest margin | 3.8832% | 997 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.6487% | 1,682 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.3480% | 1,284 |
| Return on assets (ROA) | 1.3484% | 1,244 |
| Pretax return on assets | 1.7649% | 792 |
| Return on Equity (ROE) | 13.7400% | 1,592 |
| Retained earnings to average equity (ytd only) | 6.9414% | 2,266 |
| Net charge-offs to loans | 0.0057% | 2,213 |
| Credit loss provision to net charge-offs | 649.1228% | 569 |
| Earnings coverage of net charge-offs (x) | 439.5906% | 367 |
| Efficiency ratio | 57.7630% | 3,372 |
| Assets per employee ($millions) | 6.3906% | 2,427 |
| Cash dividends to net income (ytd only)* | 49.4726% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,464 |
| Loan loss allowance to noncurrent loans | 642.1727% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 1,570 |
| Noncurrent loans to loans | 0.1845% | 2,567 |
| Net loans and leases to total assets | 72.5500% | 1,359 |
| Net loans and leases to deposits | 87.1201% | 1,239 |
| Net loans and leases to core deposits | 91.4180% | 1,429 |
| Total domestic deposits to total assets | 83.2700% | 3,361 |
| Equity capital to assets | 9.5684% | 1,956 |
| Core capital (leverage) ratio | 9.2557% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $4,197,405,800 | 306 |
| Average earning assets | $3,917,700,800 | 295 |
| Average equity | $411,979,600 | 299 |
| Average total loans | $3,001,617,800 | 281 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 923 |
| Cost of funding earning assets | 0.2578% | 2,633 |
| Net interest margin | 3.9235% | 758 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.6584% | 1,569 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4032% | 1,084 |
| Return on assets (ROA) | 1.4034% | 1,054 |
| Pretax return on assets | 1.8479% | 659 |
| Return on Equity (ROE) | 14.2000% | 1,372 |
| Retained earnings to average equity (ytd only) | 7.0545% | 2,343 |
| Net charge-offs to loans | 0.0021% | 2,200 |
| Credit loss provision to net charge-offs | 2,553.1915% | 204 |
| Earnings coverage of net charge-offs (x) | 1,249.7872% | 111 |
| Efficiency ratio | 56.5667% | 3,565 |
| Assets per employee ($millions) | 6.2679% | 2,518 |
| Cash dividends to net income (ytd only)* | 50.3352% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,264 |
| Loan loss allowance to noncurrent loans | 728.4872% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 1,386 |
| Noncurrent loans to loans | 0.1714% | 2,737 |
| Net loans and leases to total assets | 71.6500% | 1,327 |
| Net loans and leases to deposits | 82.7238% | 1,384 |
| Net loans and leases to core deposits | 85.2680% | 1,565 |
| Total domestic deposits to total assets | 86.6100% | 2,882 |
| Equity capital to assets | 9.6847% | 1,779 |
| Core capital (leverage) ratio | 9.2733% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $4,152,373,750 | 305 |
| Average earning assets | $3,882,118,750 | 297 |
| Average equity | $410,259,500 | 299 |
| Average total loans | $2,948,573,000 | 281 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0458% | 865 |
| Cost of funding earning assets | 0.1893% | 3,055 |
| Net interest margin | 3.8565% | 669 |
| Noninterest income to average assets | 0.8952% | 856 |
| Noninterest expense to average assets | 2.6477% | 1,508 |
| Loan and lease loss provision to assets | 0.0194% | 2,254 |
| Net operating income to assets | 1.4034% | 899 |
| Return on assets (ROA) | 1.4038% | 873 |
| Pretax return on assets | 1.8427% | 541 |
| Return on Equity (ROE) | 14.1128% | 1,086 |
| Retained earnings to average equity (ytd only) | 7.0506% | 1,975 |
| Net charge-offs to loans | 0.0032% | 1,947 |
| Credit loss provision to net charge-offs | 869.5652% | 451 |
| Earnings coverage of net charge-offs (x) | 835.3696% | 162 |
| Efficiency ratio | 56.6519% | 3,709 |
| Assets per employee ($millions) | 6.1406% | 2,622 |
| Cash dividends to net income (ytd only)* | 50.0414% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,442 |
| Loan loss allowance to noncurrent loans | 763.5567% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 1,456 |
| Noncurrent loans to loans | 0.1633% | 2,875 |
| Net loans and leases to total assets | 71.0030% | 1,200 |
| Net loans and leases to deposits | 80.3763% | 1,356 |
| Net loans and leases to core deposits | 82.7339% | 1,539 |
| Total domestic deposits to total assets | 88.3382% | 2,444 |
| Equity capital to assets | 9.7781% | 1,831 |
| Core capital (leverage) ratio | 9.2693% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,128,308,333 | 307 |
| Average earning assets | $3,868,759,000 | 299 |
| Average equity | $410,634,333 | 299 |
| Average total loans | $2,909,733,333 | 282 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 844 |
| Cost of funding earning assets | 0.1792% | 3,095 |
| Net interest margin | 3.7754% | 660 |
| Noninterest income to average assets | 0.9142% | 820 |
| Noninterest expense to average assets | 2.6217% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3994% | 801 |
| Return on assets (ROA) | 1.3994% | 795 |
| Pretax return on assets | 1.8393% | 503 |
| Return on Equity (ROE) | 13.9479% | 842 |
| Retained earnings to average equity (ytd only) | 11.0317% | 783 |
| Net charge-offs to loans | 0.0077% | 1,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 342.9091% | 285 |
| Efficiency ratio | 56.6032% | 3,827 |
| Assets per employee ($millions) | 6.1940% | 2,640 |
| Cash dividends to net income (ytd only)* | 20.9074% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,359 |
| Loan loss allowance to noncurrent loans | 635.8258% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 1,470 |
| Noncurrent loans to loans | 0.2046% | 2,797 |
| Net loans and leases to total assets | 67.8811% | 1,222 |
| Net loans and leases to deposits | 76.3986% | 1,409 |
| Net loans and leases to core deposits | 79.1317% | 1,543 |
| Total domestic deposits to total assets | 88.8512% | 2,149 |
| Equity capital to assets | 9.9448% | 1,938 |
| Core capital (leverage) ratio | 9.2685% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,101,588,500 | 312 |
| Average earning assets | $3,853,254,500 | 305 |
| Average equity | $411,503,500 | 310 |
| Average total loans | $2,861,276,000 | 285 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1819% | 1,022 |
| Cost of funding earning assets | 0.2254% | 3,191 |
| Net interest margin | 3.9566% | 780 |
| Noninterest income to average assets | 1.0010% | 1,002 |
| Noninterest expense to average assets | 2.6793% | 1,687 |
| Loan and lease loss provision to assets | 0.0703% | 1,676 |
| Net operating income to assets | 1.4754% | 1,073 |
| Return on assets (ROA) | 1.4758% | 1,126 |
| Pretax return on assets | 1.9559% | 661 |
| Return on Equity (ROE) | 14.1769% | 1,134 |
| Retained earnings to average equity (ytd only) | 7.7282% | 1,648 |
| Net charge-offs to loans | 0.0339% | 1,555 |
| Credit loss provision to net charge-offs | 293.7976% | 1,076 |
| Earnings coverage of net charge-offs (x) | 84.7182% | 963 |
| Efficiency ratio | 55.5688% | 3,748 |
| Assets per employee ($millions) | 6.1228% | 2,639 |
| Cash dividends to net income (ytd only)* | 45.4874% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,393 |
| Loan loss allowance to noncurrent loans | 698.1760% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 1,603 |
| Noncurrent loans to loans | 0.1851% | 3,017 |
| Net loans and leases to total assets | 69.8504% | 1,060 |
| Net loans and leases to deposits | 78.8548% | 1,310 |
| Net loans and leases to core deposits | 81.9092% | 1,465 |
| Total domestic deposits to total assets | 88.5810% | 1,742 |
| Equity capital to assets | 10.1226% | 2,539 |
| Core capital (leverage) ratio | 9.2387% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,843,366,800 | 311 |
| Average earning assets | $3,597,971,000 | 305 |
| Average equity | $400,081,600 | 318 |
| Average total loans | $2,713,555,400 | 287 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 1,098 |
| Cost of funding earning assets | 0.2391% | 3,221 |
| Net interest margin | 3.9666% | 840 |
| Noninterest income to average assets | 1.0390% | 1,005 |
| Noninterest expense to average assets | 2.6717% | 1,659 |
| Loan and lease loss provision to assets | 0.0563% | 1,858 |
| Net operating income to assets | 1.5178% | 1,228 |
| Return on assets (ROA) | 1.5180% | 1,277 |
| Pretax return on assets | 2.0216% | 769 |
| Return on Equity (ROE) | 14.4757% | 1,264 |
| Retained earnings to average equity (ytd only) | 5.8191% | 2,908 |
| Net charge-offs to loans | 0.0236% | 1,568 |
| Credit loss provision to net charge-offs | 338.2664% | 941 |
| Earnings coverage of net charge-offs (x) | 124.8351% | 756 |
| Efficiency ratio | 54.9281% | 3,668 |
| Assets per employee ($millions) | 6.0016% | 2,695 |
| Cash dividends to net income (ytd only)* | 59.8011% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,399 |
| Loan loss allowance to noncurrent loans | 621.4687% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 1,640 |
| Noncurrent loans to loans | 0.2123% | 3,104 |
| Net loans and leases to total assets | 69.4937% | 1,130 |
| Net loans and leases to deposits | 78.5805% | 1,430 |
| Net loans and leases to core deposits | 83.2951% | 1,473 |
| Total domestic deposits to total assets | 88.4363% | 1,607 |
| Equity capital to assets | 10.2962% | 2,615 |
| Core capital (leverage) ratio | 9.4194% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,789,357,750 | 315 |
| Average earning assets | $3,544,521,750 | 310 |
| Average equity | $397,372,250 | 321 |
| Average total loans | $2,673,784,750 | 292 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 1,273 |
| Cost of funding earning assets | 0.2553% | 3,240 |
| Net interest margin | 3.8883% | 991 |
| Noninterest income to average assets | 1.0829% | 952 |
| Noninterest expense to average assets | 2.6770% | 1,650 |
| Loan and lease loss provision to assets | 0.0748% | 1,585 |
| Net operating income to assets | 1.4641% | 1,388 |
| Return on assets (ROA) | 1.4645% | 1,446 |
| Pretax return on assets | 1.9660% | 891 |
| Return on Equity (ROE) | 13.8773% | 1,449 |
| Retained earnings to average equity (ytd only) | 5.7785% | 2,900 |
| Net charge-offs to loans | 0.0369% | 1,266 |
| Credit loss provision to net charge-offs | 286.8852% | 909 |
| Earnings coverage of net charge-offs (x) | 78.2705% | 845 |
| Efficiency ratio | 55.3283% | 3,620 |
| Assets per employee ($millions) | 5.8980% | 2,716 |
| Cash dividends to net income (ytd only)* | 58.3601% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 2,197 |
| Loan loss allowance to noncurrent loans | 481.9245% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 1,611 |
| Noncurrent loans to loans | 0.2798% | 2,933 |
| Net loans and leases to total assets | 69.2022% | 1,300 |
| Net loans and leases to deposits | 78.6223% | 1,565 |
| Net loans and leases to core deposits | 83.9801% | 1,564 |
| Total domestic deposits to total assets | 88.0185% | 1,810 |
| Equity capital to assets | 10.3936% | 2,495 |
| Core capital (leverage) ratio | 9.3627% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,744,131,667 | 313 |
| Average earning assets | $3,499,675,000 | 311 |
| Average equity | $395,119,667 | 318 |
| Average total loans | $2,643,671,333 | 295 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 1,342 |
| Cost of funding earning assets | 0.2802% | 3,187 |
| Net interest margin | 3.8400% | 1,073 |
| Noninterest income to average assets | 1.1268% | 945 |
| Noninterest expense to average assets | 2.7360% | 1,531 |
| Loan and lease loss provision to assets | 0.0405% | 2,242 |
| Net operating income to assets | 1.4826% | 1,366 |
| Return on assets (ROA) | 1.4826% | 1,433 |
| Pretax return on assets | 1.9303% | 1,066 |
| Return on Equity (ROE) | 13.9403% | 1,441 |
| Retained earnings to average equity (ytd only) | 6.2138% | 2,825 |
| Net charge-offs to loans | 0.0096% | 1,569 |
| Credit loss provision to net charge-offs | 595.2381% | 558 |
| Earnings coverage of net charge-offs (x) | 289.3175% | 305 |
| Efficiency ratio | 56.5574% | 3,486 |
| Assets per employee ($millions) | 5.8164% | 2,780 |
| Cash dividends to net income (ytd only)* | 55.4259% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 2,164 |
| Loan loss allowance to noncurrent loans | 448.2152% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 1,754 |
| Noncurrent loans to loans | 0.3030% | 3,009 |
| Net loans and leases to total assets | 69.0500% | 1,405 |
| Net loans and leases to deposits | 78.5350% | 1,667 |
| Net loans and leases to core deposits | 82.7576% | 1,773 |
| Total domestic deposits to total assets | 87.9226% | 1,886 |
| Equity capital to assets | 10.4639% | 2,302 |
| Core capital (leverage) ratio | 9.5614% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,699,358,500 | 317 |
| Average earning assets | $3,448,973,000 | 312 |
| Average equity | $393,450,000 | 316 |
| Average total loans | $2,620,882,000 | 297 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 1,481 |
| Cost of funding earning assets | 0.5471% | 2,627 |
| Net interest margin | 3.8870% | 1,251 |
| Noninterest income to average assets | 1.2183% | 751 |
| Noninterest expense to average assets | 2.9266% | 1,611 |
| Loan and lease loss provision to assets | 0.2682% | 1,433 |
| Net operating income to assets | 1.2577% | 1,364 |
| Return on assets (ROA) | 1.2789% | 1,409 |
| Pretax return on assets | 1.6661% | 918 |
| Return on Equity (ROE) | 11.3801% | 1,504 |
| Retained earnings to average equity (ytd only) | 8.7218% | 845 |
| Net charge-offs to loans | 0.0979% | 1,490 |
| Credit loss provision to net charge-offs | 365.2970% | 1,541 |
| Earnings coverage of net charge-offs (x) | 25.9760% | 1,732 |
| Efficiency ratio | 58.8506% | 3,605 |
| Assets per employee ($millions) | 5.6809% | 2,652 |
| Cash dividends to net income (ytd only)* | 23.3590% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 2,186 |
| Loan loss allowance to noncurrent loans | 364.1121% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 1,747 |
| Noncurrent loans to loans | 0.3712% | 2,870 |
| Net loans and leases to total assets | 70.7484% | 1,462 |
| Net loans and leases to deposits | 81.5193% | 1,707 |
| Net loans and leases to core deposits | 85.9331% | 1,877 |
| Total domestic deposits to total assets | 86.7873% | 2,043 |
| Equity capital to assets | 10.8123% | 2,420 |
| Core capital (leverage) ratio | 9.7217% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,347,342,200 | 317 |
| Average earning assets | $3,113,805,800 | 312 |
| Average equity | $376,184,000 | 309 |
| Average total loans | $2,510,313,000 | 299 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 2,504 |
| Cost of funding earning assets | 0.6146% | 2,520 |
| Net interest margin | 3.5419% | 2,448 |
| Noninterest income to average assets | 1.0741% | 902 |
| Noninterest expense to average assets | 2.6465% | 2,394 |
| Loan and lease loss provision to assets | 0.2972% | 1,356 |
| Net operating income to assets | 1.1064% | 1,962 |
| Return on assets (ROA) | 1.1287% | 2,008 |
| Pretax return on assets | 1.4431% | 1,596 |
| Return on Equity (ROE) | 10.1776% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.1776% | 722 |
| Net charge-offs to loans | 0.0642% | 1,694 |
| Credit loss provision to net charge-offs | 622.2365% | 1,146 |
| Earnings coverage of net charge-offs (x) | 35.8432% | 1,439 |
| Efficiency ratio | 59.2151% | 3,493 |
| Assets per employee ($millions) | 5.1572% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 2,067 |
| Loan loss allowance to noncurrent loans | 127.3736% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.7819% | 1,479 |
| Noncurrent loans to loans | 1.0397% | 1,439 |
| Net loans and leases to total assets | 73.9342% | 1,376 |
| Net loans and leases to deposits | 86.3070% | 1,663 |
| Net loans and leases to core deposits | 92.2342% | 1,777 |
| Total domestic deposits to total assets | 85.6641% | 2,192 |
| Equity capital to assets | 11.0495% | 2,360 |
| Core capital (leverage) ratio | 9.5465% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,171,705,500 | 437 |
| Average earning assets | $2,013,821,250 | 431 |
| Average equity | $240,849,250 | 424 |
| Average total loans | $1,616,145,000 | 413 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,621 |
| Cost of funding earning assets | 0.6906% | 2,445 |
| Net interest margin | 3.5543% | 2,624 |
| Noninterest income to average assets | 1.0335% | 924 |
| Noninterest expense to average assets | 2.6695% | 2,472 |
| Loan and lease loss provision to assets | 0.4257% | 925 |
| Net operating income to assets | 0.9692% | 2,427 |
| Return on assets (ROA) | 0.9906% | 2,490 |
| Pretax return on assets | 1.2598% | 2,150 |
| Return on Equity (ROE) | 8.9209% | 2,389 |
| Retained earnings to average equity (ytd only) | 8.9209% | 1,028 |
| Net charge-offs to loans | 0.0854% | 1,395 |
| Credit loss provision to net charge-offs | 671.4919% | 1,025 |
| Earnings coverage of net charge-offs (x) | 26.1581% | 1,531 |
| Efficiency ratio | 60.1415% | 3,395 |
| Assets per employee ($millions) | 9.2599% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,863 |
| Loan loss allowance to noncurrent loans | 128.5100% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.7756% | 1,601 |
| Noncurrent loans to loans | 1.0380% | 1,501 |
| Net loans and leases to total assets | 73.1152% | 1,541 |
| Net loans and leases to deposits | 85.1377% | 1,868 |
| Net loans and leases to core deposits | 91.8711% | 1,917 |
| Total domestic deposits to total assets | 85.8788% | 2,072 |
| Equity capital to assets | 10.7716% | 2,512 |
| Core capital (leverage) ratio | 9.3863% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,135,773,333 | 434 |
| Average earning assets | $1,979,530,667 | 434 |
| Average equity | $237,174,333 | 428 |
| Average total loans | $1,585,543,333 | 413 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 2,518 |
| Cost of funding earning assets | 0.8338% | 2,203 |
| Net interest margin | 3.5930% | 2,690 |
| Noninterest income to average assets | 0.9787% | 900 |
| Noninterest expense to average assets | 2.7702% | 2,515 |
| Loan and lease loss provision to assets | 0.1015% | 2,417 |
| Net operating income to assets | 1.1101% | 1,812 |
| Return on assets (ROA) | 1.1101% | 1,905 |
| Pretax return on assets | 1.4271% | 1,486 |
| Return on Equity (ROE) | 9.8350% | 1,797 |
| Retained earnings to average equity (ytd only) | 9.8350% | 776 |
| Net charge-offs to loans | -0.0039% | 3,785 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8401% | 3,392 |
| Assets per employee ($millions) | 8.6211% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,455 |
| Loan loss allowance to noncurrent loans | 112.6933% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 1,633 |
| Noncurrent loans to loans | 1.1003% | 1,508 |
| Net loans and leases to total assets | 73.5131% | 1,692 |
| Net loans and leases to deposits | 86.1613% | 1,976 |
| Net loans and leases to core deposits | 95.8639% | 1,803 |
| Total domestic deposits to total assets | 85.3204% | 2,281 |
| Equity capital to assets | 11.4583% | 2,478 |
| Core capital (leverage) ratio | 9.9587% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,069,319,000 | 435 |
| Average earning assets | $1,912,187,500 | 429 |
| Average equity | $233,575,000 | 434 |
| Average total loans | $1,537,726,500 | 417 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 2,244 |
| Cost of funding earning assets | 0.9579% | 1,916 |
| Net interest margin | 3.7721% | 2,597 |
| Noninterest income to average assets | 1.0291% | 911 |
| Noninterest expense to average assets | 2.7368% | 2,783 |
| Loan and lease loss provision to assets | 0.1649% | 1,265 |
| Net operating income to assets | 1.2698% | 1,803 |
| Return on assets (ROA) | 1.2703% | 1,884 |
| Pretax return on assets | 1.5936% | 1,501 |
| Return on Equity (ROE) | 11.4502% | 1,716 |
| Retained earnings to average equity (ytd only) | 8.1364% | 934 |
| Net charge-offs to loans | 0.0086% | 3,371 |
| Credit loss provision to net charge-offs | 2,558.5938% | 152 |
| Earnings coverage of net charge-offs (x) | 272.6953% | 303 |
| Efficiency ratio | 59.2948% | 3,797 |
| Assets per employee ($millions) | 8.3788% | 624 |
| Cash dividends to net income (ytd only)* | 28.9407% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,388 |
| Loan loss allowance to noncurrent loans | 154.1324% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 2,136 |
| Noncurrent loans to loans | 0.7841% | 1,938 |
| Net loans and leases to total assets | 73.2888% | 1,876 |
| Net loans and leases to deposits | 86.1705% | 2,070 |
| Net loans and leases to core deposits | 95.3928% | 1,946 |
| Total domestic deposits to total assets | 85.0510% | 2,472 |
| Equity capital to assets | 11.1168% | 2,892 |
| Core capital (leverage) ratio | 9.7209% | 3,822 |
| Tier 1 risk-based capital ratio | 11.5078% | 4,623 |
| Total risk-based capital ratio | 12.5811% | 4,600 |
| Memoranda: | ||
| Average total assets | $1,985,647,000 | 430 |
| Average earning assets | $1,824,305,200 | 422 |
| Average equity | $220,294,000 | 438 |
| Average total loans | $1,492,549,800 | 407 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7827% | 2,171 |
| Cost of funding earning assets | 0.9727% | 1,879 |
| Net interest margin | 3.8099% | 2,561 |
| Noninterest income to average assets | 1.1338% | 709 |
| Noninterest expense to average assets | 2.8756% | 2,330 |
| Loan and lease loss provision to assets | 0.1408% | 1,371 |
| Net operating income to assets | 1.2641% | 1,970 |
| Return on assets (ROA) | 1.2645% | 2,044 |
| Pretax return on assets | 1.6160% | 1,581 |
| Return on Equity (ROE) | 11.4039% | 1,838 |
| Retained earnings to average equity (ytd only) | 8.0377% | 1,372 |
| Net charge-offs to loans | 0.0135% | 2,890 |
| Credit loss provision to net charge-offs | 1,383.3333% | 267 |
| Earnings coverage of net charge-offs (x) | 172.5290% | 492 |
| Efficiency ratio | 60.5175% | 3,541 |
| Assets per employee ($millions) | 8.1813% | 646 |
| Cash dividends to net income (ytd only)* | 29.5175% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,668 |
| Loan loss allowance to noncurrent loans | 150.9667% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 2,259 |
| Noncurrent loans to loans | 0.7736% | 2,034 |
| Net loans and leases to total assets | 73.4837% | 1,921 |
| Net loans and leases to deposits | 86.3560% | 2,153 |
| Net loans and leases to core deposits | 94.7612% | 2,104 |
| Total domestic deposits to total assets | 85.0939% | 2,392 |
| Equity capital to assets | 11.3087% | 2,830 |
| Core capital (leverage) ratio | 9.6877% | 3,984 |
| Tier 1 risk-based capital ratio | 11.5405% | 4,653 |
| Total risk-based capital ratio | 12.5458% | 4,669 |
| Memoranda: | ||
| Average total assets | $1,964,666,250 | 434 |
| Average earning assets | $1,803,864,000 | 427 |
| Average equity | $217,850,000 | 445 |
| Average total loans | $1,481,857,500 | 412 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 2,221 |
| Cost of funding earning assets | 0.9545% | 1,888 |
| Net interest margin | 3.7964% | 2,593 |
| Noninterest income to average assets | 1.0823% | 727 |
| Noninterest expense to average assets | 2.8462% | 2,425 |
| Loan and lease loss provision to assets | 0.0844% | 2,157 |
| Net operating income to assets | 1.2802% | 1,850 |
| Return on assets (ROA) | 1.2808% | 1,906 |
| Pretax return on assets | 1.6381% | 1,430 |
| Return on Equity (ROE) | 11.6292% | 1,726 |
| Retained earnings to average equity (ytd only) | 8.1908% | 1,318 |
| Net charge-offs to loans | 0.0053% | 2,969 |
| Credit loss provision to net charge-offs | 2,115.3846% | 173 |
| Earnings coverage of net charge-offs (x) | 431.3590% | 175 |
| Efficiency ratio | 60.7120% | 3,625 |
| Assets per employee ($millions) | 8.1261% | 642 |
| Cash dividends to net income (ytd only)* | 29.5669% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,106 |
| Loan loss allowance to noncurrent loans | 136.8168% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,194 |
| Noncurrent loans to loans | 0.7996% | 1,997 |
| Net loans and leases to total assets | 74.7631% | 1,757 |
| Net loans and leases to deposits | 87.7219% | 2,036 |
| Net loans and leases to core deposits | 96.4432% | 2,024 |
| Total domestic deposits to total assets | 85.2275% | 2,375 |
| Equity capital to assets | 11.2920% | 2,787 |
| Core capital (leverage) ratio | 9.5708% | 4,079 |
| Tier 1 risk-based capital ratio | 11.3755% | 4,749 |
| Total risk-based capital ratio | 12.3832% | 4,758 |
| Memoranda: | ||
| Average total assets | $1,954,139,000 | 437 |
| Average earning assets | $1,794,183,330 | 431 |
| Average equity | $215,217,000 | 450 |
| Average total loans | $1,481,059,670 | 411 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 2,471 |
| Cost of funding earning assets | 0.9235% | 1,904 |
| Net interest margin | 3.6952% | 2,912 |
| Noninterest income to average assets | 1.0268% | 756 |
| Noninterest expense to average assets | 2.8176% | 2,511 |
| Loan and lease loss provision to assets | 0.0205% | 3,174 |
| Net operating income to assets | 1.2369% | 1,928 |
| Return on assets (ROA) | 1.2369% | 1,976 |
| Pretax return on assets | 1.5758% | 1,530 |
| Return on Equity (ROE) | 11.3751% | 1,790 |
| Retained earnings to average equity (ytd only) | 7.9829% | 1,669 |
| Net charge-offs to loans | -0.0100% | 4,229 |
| Credit loss provision to net charge-offs | -270.2703% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1820% | 3,504 |
| Assets per employee ($millions) | 8.0624% | 660 |
| Cash dividends to net income (ytd only)* | 29.8211% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 3,388 |
| Loan loss allowance to noncurrent loans | 133.3162% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 2,183 |
| Noncurrent loans to loans | 0.7909% | 2,061 |
| Net loans and leases to total assets | 74.7689% | 1,677 |
| Net loans and leases to deposits | 87.3859% | 1,949 |
| Net loans and leases to core deposits | 95.1339% | 2,012 |
| Total domestic deposits to total assets | 85.5617% | 2,459 |
| Equity capital to assets | 11.0282% | 2,824 |
| Core capital (leverage) ratio | 9.3621% | 4,303 |
| Tier 1 risk-based capital ratio | 11.0735% | 4,942 |
| Total risk-based capital ratio | 12.0452% | 4,970 |
| Memoranda: | ||
| Average total assets | $1,952,010,500 | 439 |
| Average earning assets | $1,789,249,000 | 437 |
| Average equity | $212,254,000 | 453 |
| Average total loans | $1,481,413,000 | 413 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 2,288 |
| Cost of funding earning assets | 0.6275% | 2,542 |
| Net interest margin | 3.9238% | 2,249 |
| Noninterest income to average assets | 1.2719% | 581 |
| Noninterest expense to average assets | 3.0064% | 2,032 |
| Loan and lease loss provision to assets | 0.0813% | 2,502 |
| Net operating income to assets | 1.3982% | 1,439 |
| Return on assets (ROA) | 1.3769% | 1,500 |
| Pretax return on assets | 1.7447% | 1,056 |
| Return on Equity (ROE) | 12.7696% | 1,435 |
| Retained earnings to average equity (ytd only) | 9.5142% | 733 |
| Net charge-offs to loans | -0.0252% | 4,761 |
| Credit loss provision to net charge-offs | -431.2321% | 4,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2867% | 3,808 |
| Assets per employee ($millions) | 8.2402% | 608 |
| Cash dividends to net income (ytd only)* | 25.4932% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,468 |
| Loan loss allowance to noncurrent loans | 114.0900% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 1,903 |
| Noncurrent loans to loans | 0.9074% | 1,766 |
| Net loans and leases to total assets | 75.4283% | 1,708 |
| Net loans and leases to deposits | 87.9179% | 2,051 |
| Net loans and leases to core deposits | 95.3714% | 2,105 |
| Total domestic deposits to total assets | 85.7940% | 2,329 |
| Equity capital to assets | 10.7192% | 2,957 |
| Core capital (leverage) ratio | 9.0847% | 4,571 |
| Tier 1 risk-based capital ratio | 10.8264% | 5,055 |
| Total risk-based capital ratio | 11.7909% | 5,063 |
| Memoranda: | ||
| Average total assets | $1,851,703,000 | 444 |
| Average earning assets | $1,692,962,200 | 445 |
| Average equity | $199,669,200 | 451 |
| Average total loans | $1,386,522,800 | 426 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 2,271 |
| Cost of funding earning assets | 0.5666% | 2,728 |
| Net interest margin | 3.9409% | 2,159 |
| Noninterest income to average assets | 1.1149% | 755 |
| Noninterest expense to average assets | 2.9223% | 2,246 |
| Loan and lease loss provision to assets | 0.0661% | 2,654 |
| Net operating income to assets | 1.3548% | 1,644 |
| Return on assets (ROA) | 1.3553% | 1,649 |
| Pretax return on assets | 1.7288% | 1,211 |
| Return on Equity (ROE) | 12.5494% | 1,593 |
| Retained earnings to average equity (ytd only) | 8.8318% | 1,291 |
| Net charge-offs to loans | -0.0395% | 4,847 |
| Credit loss provision to net charge-offs | -224.5658% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3068% | 3,773 |
| Assets per employee ($millions) | 8.1440% | 620 |
| Cash dividends to net income (ytd only)* | 29.6240% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,464 |
| Loan loss allowance to noncurrent loans | 99.0867% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 1,775 |
| Noncurrent loans to loans | 1.0596% | 1,609 |
| Net loans and leases to total assets | 73.8215% | 2,014 |
| Net loans and leases to deposits | 84.2296% | 2,573 |
| Net loans and leases to core deposits | 90.7323% | 2,594 |
| Total domestic deposits to total assets | 87.6433% | 1,420 |
| Equity capital to assets | 10.6537% | 2,981 |
| Core capital (leverage) ratio | 9.2257% | 4,488 |
| Tier 1 risk-based capital ratio | 10.9601% | 5,053 |
| Total risk-based capital ratio | 11.9373% | 5,087 |
| Memoranda: | ||
| Average total assets | $1,826,398,750 | 450 |
| Average earning assets | $1,669,156,750 | 445 |
| Average equity | $197,252,250 | 454 |
| Average total loans | $1,361,037,500 | 428 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 2,099 |
| Cost of funding earning assets | 0.5221% | 2,817 |
| Net interest margin | 3.9727% | 1,950 |
| Noninterest income to average assets | 1.1061% | 786 |
| Noninterest expense to average assets | 2.9664% | 2,146 |
| Loan and lease loss provision to assets | 0.0588% | 2,727 |
| Net operating income to assets | 1.3460% | 1,613 |
| Return on assets (ROA) | 1.3469% | 1,616 |
| Pretax return on assets | 1.7101% | 1,186 |
| Return on Equity (ROE) | 12.4120% | 1,577 |
| Retained earnings to average equity (ytd only) | 8.7314% | 1,309 |
| Net charge-offs to loans | -0.0198% | 4,564 |
| Credit loss provision to net charge-offs | -398.4962% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9899% | 3,767 |
| Assets per employee ($millions) | 7.8145% | 672 |
| Cash dividends to net income (ytd only)* | 29.6540% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,619 |
| Loan loss allowance to noncurrent loans | 232.9674% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 3,368 |
| Noncurrent loans to loans | 0.4446% | 3,102 |
| Net loans and leases to total assets | 74.2968% | 1,897 |
| Net loans and leases to deposits | 88.4934% | 2,048 |
| Net loans and leases to core deposits | 95.3945% | 2,113 |
| Total domestic deposits to total assets | 83.9574% | 3,081 |
| Equity capital to assets | 10.8446% | 2,788 |
| Core capital (leverage) ratio | 9.2794% | 4,382 |
| Tier 1 risk-based capital ratio | 11.0235% | 5,042 |
| Total risk-based capital ratio | 11.9928% | 5,069 |
| Memoranda: | ||
| Average total assets | $1,802,684,670 | 456 |
| Average earning assets | $1,646,297,330 | 454 |
| Average equity | $195,616,670 | 458 |
| Average total loans | $1,342,831,000 | 432 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3256% | 2,434 |
| Cost of funding earning assets | 0.4829% | 2,929 |
| Net interest margin | 3.8427% | 2,250 |
| Noninterest income to average assets | 1.0949% | 769 |
| Noninterest expense to average assets | 2.9689% | 2,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2976% | 1,647 |
| Return on assets (ROA) | 1.2976% | 1,650 |
| Pretax return on assets | 1.6313% | 1,294 |
| Return on Equity (ROE) | 11.9543% | 1,593 |
| Retained earnings to average equity (ytd only) | 11.9543% | 689 |
| Net charge-offs to loans | -0.0114% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8091% | 3,662 |
| Assets per employee ($millions) | 7.4686% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,756 |
| Loan loss allowance to noncurrent loans | 233.9184% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 3,462 |
| Noncurrent loans to loans | 0.4425% | 3,204 |
| Net loans and leases to total assets | 73.4274% | 1,962 |
| Net loans and leases to deposits | 84.1914% | 2,370 |
| Net loans and leases to core deposits | 91.7028% | 2,324 |
| Total domestic deposits to total assets | 87.2148% | 2,035 |
| Equity capital to assets | 11.0842% | 2,500 |
| Core capital (leverage) ratio | 9.1383% | 4,522 |
| Tier 1 risk-based capital ratio | 11.1996% | 5,027 |
| Total risk-based capital ratio | 12.1600% | 5,089 |
| Memoranda: | ||
| Average total assets | $1,789,727,500 | 459 |
| Average earning assets | $1,632,614,500 | 461 |
| Average equity | $194,272,500 | 464 |
| Average total loans | $1,327,842,000 | 436 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 2,730 |
| Cost of funding earning assets | 0.4329% | 2,932 |
| Net interest margin | 3.7563% | 2,577 |
| Noninterest income to average assets | 1.2614% | 669 |
| Noninterest expense to average assets | 2.8208% | 2,705 |
| Loan and lease loss provision to assets | 0.0849% | 2,507 |
| Net operating income to assets | 1.1212% | 1,788 |
| Return on assets (ROA) | 1.1203% | 1,818 |
| Pretax return on assets | 1.8025% | 794 |
| Return on Equity (ROE) | 9.9466% | 1,902 |
| Retained earnings to average equity (ytd only) | 8.5792% | 596 |
| Net charge-offs to loans | -0.0069% | 4,707 |
| Credit loss provision to net charge-offs | -1,631.5789% | 5,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7238% | 4,300 |
| Assets per employee ($millions) | 8.0418% | 633 |
| Cash dividends to net income (ytd only)* | 13.7480% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 3,877 |
| Loan loss allowance to noncurrent loans | 206.7572% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 3,341 |
| Noncurrent loans to loans | 0.4884% | 3,055 |
| Net loans and leases to total assets | 73.4404% | 2,015 |
| Net loans and leases to deposits | 88.4743% | 1,961 |
| Net loans and leases to core deposits | 96.5234% | 1,979 |
| Total domestic deposits to total assets | 83.0076% | 3,560 |
| Equity capital to assets | 10.6306% | 3,018 |
| Core capital (leverage) ratio | 10.3517% | 3,012 |
| Tier 1 risk-based capital ratio | 10.6709% | 5,308 |
| Total risk-based capital ratio | 11.6077% | 5,340 |
| Memoranda: | ||
| Average total assets | $1,460,847,000 | 533 |
| Average earning assets | $1,341,028,800 | 529 |
| Average equity | $164,538,400 | 506 |
| Average total loans | $1,094,273,800 | 499 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 2,378 |
| Cost of funding earning assets | 0.4278% | 2,900 |
| Net interest margin | 3.8388% | 2,252 |
| Noninterest income to average assets | 1.1981% | 724 |
| Noninterest expense to average assets | 2.8076% | 2,697 |
| Loan and lease loss provision to assets | 0.0577% | 2,930 |
| Net operating income to assets | 1.3018% | 1,323 |
| Return on assets (ROA) | 1.3000% | 1,369 |
| Pretax return on assets | 1.8656% | 755 |
| Return on Equity (ROE) | 11.3324% | 1,557 |
| Retained earnings to average equity (ytd only) | 9.4287% | 726 |
| Net charge-offs to loans | -0.0279% | 4,975 |
| Credit loss provision to net charge-offs | -275.4630% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3131% | 4,315 |
| Assets per employee ($millions) | 7.9944% | 635 |
| Cash dividends to net income (ytd only)* | 16.7986% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,819 |
| Loan loss allowance to noncurrent loans | 409.3476% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 3,925 |
| Noncurrent loans to loans | 0.2975% | 3,875 |
| Net loans and leases to total assets | 76.0995% | 1,579 |
| Net loans and leases to deposits | 91.1032% | 1,675 |
| Net loans and leases to core deposits | 100.3645% | 1,673 |
| Total domestic deposits to total assets | 83.5311% | 3,279 |
| Equity capital to assets | 11.7865% | 2,121 |
| Core capital (leverage) ratio | 11.3952% | 2,104 |
| Tier 1 risk-based capital ratio | 13.4015% | 3,763 |
| Total risk-based capital ratio | 14.5155% | 3,758 |
| Memoranda: | ||
| Average total assets | $1,373,707,500 | 559 |
| Average earning assets | $1,265,165,000 | 556 |
| Average equity | $157,585,500 | 526 |
| Average total loans | $1,032,244,750 | 525 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 2,493 |
| Cost of funding earning assets | 0.3988% | 3,086 |
| Net interest margin | 3.7957% | 2,303 |
| Noninterest income to average assets | 1.1601% | 751 |
| Noninterest expense to average assets | 2.8058% | 2,735 |
| Loan and lease loss provision to assets | 0.0512% | 2,961 |
| Net operating income to assets | 1.2559% | 1,417 |
| Return on assets (ROA) | 1.2531% | 1,453 |
| Pretax return on assets | 1.7907% | 863 |
| Return on Equity (ROE) | 11.0264% | 1,631 |
| Retained earnings to average equity (ytd only) | 8.1318% | 1,110 |
| Net charge-offs to loans | -0.0597% | 5,247 |
| Credit loss provision to net charge-offs | -115.1316% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3187% | 4,272 |
| Assets per employee ($millions) | 7.9559% | 632 |
| Cash dividends to net income (ytd only)* | 26.2513% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,825 |
| Loan loss allowance to noncurrent loans | 286.9575% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 3,537 |
| Noncurrent loans to loans | 0.4291% | 3,477 |
| Net loans and leases to total assets | 74.7110% | 1,750 |
| Net loans and leases to deposits | 88.9158% | 1,873 |
| Net loans and leases to core deposits | 96.2120% | 1,962 |
| Total domestic deposits to total assets | 84.0245% | 3,187 |
| Equity capital to assets | 11.5227% | 2,305 |
| Core capital (leverage) ratio | 11.3244% | 2,106 |
| Tier 1 risk-based capital ratio | 13.2914% | 3,807 |
| Total risk-based capital ratio | 14.4176% | 3,805 |
| Memoranda: | ||
| Average total assets | $1,367,936,000 | 562 |
| Average earning assets | $1,258,324,330 | 561 |
| Average equity | $155,463,000 | 534 |
| Average total loans | $1,019,122,670 | 534 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 2,667 |
| Cost of funding earning assets | 0.3800% | 3,204 |
| Net interest margin | 3.7153% | 2,439 |
| Noninterest income to average assets | 1.0452% | 919 |
| Noninterest expense to average assets | 2.8194% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1536% | 1,650 |
| Return on assets (ROA) | 1.1461% | 1,722 |
| Pretax return on assets | 1.6232% | 1,176 |
| Return on Equity (ROE) | 10.1565% | 1,903 |
| Retained earnings to average equity (ytd only) | 4.2910% | 3,286 |
| Net charge-offs to loans | -0.0509% | 5,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3109% | 3,939 |
| Assets per employee ($millions) | 7.6489% | 716 |
| Cash dividends to net income (ytd only)* | 57.7515% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,807 |
| Loan loss allowance to noncurrent loans | 200.4701% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 3,159 |
| Noncurrent loans to loans | 0.6249% | 2,952 |
| Net loans and leases to total assets | 71.6022% | 2,128 |
| Net loans and leases to deposits | 83.2383% | 2,368 |
| Net loans and leases to core deposits | 89.7249% | 2,374 |
| Total domestic deposits to total assets | 86.0208% | 2,654 |
| Equity capital to assets | 11.3398% | 2,315 |
| Core capital (leverage) ratio | 11.1412% | 2,241 |
| Tier 1 risk-based capital ratio | 13.5356% | 3,756 |
| Total risk-based capital ratio | 14.6706% | 3,736 |
| Memoranda: | ||
| Average total assets | $1,359,744,000 | 569 |
| Average earning assets | $1,247,271,000 | 569 |
| Average equity | $153,439,000 | 535 |
| Average total loans | $1,005,117,500 | 540 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 2,485 |
| Cost of funding earning assets | 0.3831% | 3,172 |
| Net interest margin | 3.8176% | 2,255 |
| Noninterest income to average assets | 1.1153% | 923 |
| Noninterest expense to average assets | 2.8473% | 2,853 |
| Loan and lease loss provision to assets | 0.0982% | 2,408 |
| Net operating income to assets | 1.2048% | 1,494 |
| Return on assets (ROA) | 1.1958% | 1,613 |
| Pretax return on assets | 1.6796% | 1,056 |
| Return on Equity (ROE) | 10.6357% | 1,712 |
| Retained earnings to average equity (ytd only) | 4.4560% | 2,740 |
| Net charge-offs to loans | 0.1058% | 2,209 |
| Credit loss provision to net charge-offs | 124.2911% | 2,151 |
| Earnings coverage of net charge-offs (x) | 22.6522% | 1,720 |
| Efficiency ratio | 61.3937% | 4,355 |
| Assets per employee ($millions) | 7.6291% | 697 |
| Cash dividends to net income (ytd only)* | 58.1032% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 3,148 |
| Loan loss allowance to noncurrent loans | 216.3897% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 3,309 |
| Noncurrent loans to loans | 0.5529% | 3,187 |
| Net loans and leases to total assets | 74.4311% | 1,777 |
| Net loans and leases to deposits | 87.6158% | 1,970 |
| Net loans and leases to core deposits | 94.3720% | 2,072 |
| Total domestic deposits to total assets | 84.9517% | 3,074 |
| Equity capital to assets | 11.2288% | 2,387 |
| Core capital (leverage) ratio | 10.9345% | 2,401 |
| Tier 1 risk-based capital ratio | 12.9926% | 4,083 |
| Total risk-based capital ratio | 14.0830% | 4,079 |
| Memoranda: | ||
| Average total assets | $1,338,510,600 | 552 |
| Average earning assets | $1,235,059,400 | 549 |
| Average equity | $150,493,000 | 527 |
| Average total loans | $1,000,000,600 | 512 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 2,544 |
| Cost of funding earning assets | 0.3828% | 3,200 |
| Net interest margin | 3.8078% | 2,303 |
| Noninterest income to average assets | 1.1038% | 932 |
| Noninterest expense to average assets | 2.8717% | 2,736 |
| Loan and lease loss provision to assets | 0.0700% | 2,814 |
| Net operating income to assets | 1.1756% | 1,714 |
| Return on assets (ROA) | 1.1756% | 1,823 |
| Pretax return on assets | 1.6794% | 1,176 |
| Return on Equity (ROE) | 10.4525% | 1,889 |
| Retained earnings to average equity (ytd only) | 4.1414% | 3,366 |
| Net charge-offs to loans | -0.0046% | 4,601 |
| Credit loss provision to net charge-offs | -2,058.8235% | 5,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1436% | 4,202 |
| Assets per employee ($millions) | 7.6452% | 686 |
| Cash dividends to net income (ytd only)* | 60.3793% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,867 |
| Loan loss allowance to noncurrent loans | 176.8076% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 3,115 |
| Noncurrent loans to loans | 0.7152% | 2,889 |
| Net loans and leases to total assets | 74.2115% | 1,837 |
| Net loans and leases to deposits | 86.8751% | 2,157 |
| Net loans and leases to core deposits | 93.2548% | 2,255 |
| Total domestic deposits to total assets | 85.4233% | 2,634 |
| Equity capital to assets | 11.4172% | 2,584 |
| Core capital (leverage) ratio | 10.8461% | 2,629 |
| Tier 1 risk-based capital ratio | 12.9291% | 4,204 |
| Total risk-based capital ratio | 14.0727% | 4,179 |
| Memoranda: | ||
| Average total assets | $1,333,644,000 | 556 |
| Average earning assets | $1,231,873,250 | 549 |
| Average equity | $149,995,000 | 531 |
| Average total loans | $994,251,750 | 513 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 2,628 |
| Cost of funding earning assets | 0.3796% | 3,253 |
| Net interest margin | 3.7832% | 2,391 |
| Noninterest income to average assets | 1.0115% | 1,090 |
| Noninterest expense to average assets | 2.8581% | 2,814 |
| Loan and lease loss provision to assets | 0.0450% | 3,251 |
| Net operating income to assets | 1.1333% | 1,836 |
| Return on assets (ROA) | 1.1333% | 1,950 |
| Pretax return on assets | 1.6008% | 1,374 |
| Return on Equity (ROE) | 10.1277% | 1,996 |
| Retained earnings to average equity (ytd only) | 3.9564% | 3,381 |
| Net charge-offs to loans | -0.0016% | 4,351 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4579% | 4,110 |
| Assets per employee ($millions) | 7.6209% | 667 |
| Cash dividends to net income (ytd only)* | 60.9352% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 3,235 |
| Loan loss allowance to noncurrent loans | 171.7440% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 3,068 |
| Noncurrent loans to loans | 0.7119% | 2,945 |
| Net loans and leases to total assets | 74.0260% | 1,834 |
| Net loans and leases to deposits | 87.6564% | 2,047 |
| Net loans and leases to core deposits | 94.0930% | 2,156 |
| Total domestic deposits to total assets | 84.4502% | 3,106 |
| Equity capital to assets | 11.2627% | 2,786 |
| Core capital (leverage) ratio | 10.8048% | 2,644 |
| Tier 1 risk-based capital ratio | 12.7608% | 4,338 |
| Total risk-based capital ratio | 13.8648% | 4,341 |
| Memoranda: | ||
| Average total assets | $1,332,223,670 | 555 |
| Average earning assets | $1,229,798,670 | 550 |
| Average equity | $149,076,330 | 533 |
| Average total loans | $990,470,330 | 514 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 2,878 |
| Cost of funding earning assets | 0.3792% | 3,305 |
| Net interest margin | 3.7114% | 2,619 |
| Noninterest income to average assets | 0.9430% | 1,200 |
| Noninterest expense to average assets | 2.8377% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0846% | 1,969 |
| Return on assets (ROA) | 1.0846% | 2,065 |
| Pretax return on assets | 1.5290% | 1,509 |
| Return on Equity (ROE) | 9.7243% | 2,106 |
| Retained earnings to average equity (ytd only) | 4.0518% | 3,467 |
| Net charge-offs to loans | -0.0020% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9855% | 3,979 |
| Assets per employee ($millions) | 7.6193% | 667 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 3,222 |
| Loan loss allowance to noncurrent loans | 172.4004% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 3,018 |
| Noncurrent loans to loans | 0.7228% | 3,029 |
| Net loans and leases to total assets | 72.0652% | 2,025 |
| Net loans and leases to deposits | 83.8020% | 2,327 |
| Net loans and leases to core deposits | 90.1490% | 2,361 |
| Total domestic deposits to total assets | 85.9946% | 2,670 |
| Equity capital to assets | 11.3277% | 2,597 |
| Core capital (leverage) ratio | 10.8949% | 2,513 |
| Tier 1 risk-based capital ratio | 13.0152% | 4,260 |
| Total risk-based capital ratio | 14.1248% | 4,253 |
| Memoranda: | ||
| Average total assets | $1,327,694,500 | 558 |
| Average earning assets | $1,224,765,000 | 553 |
| Average equity | $148,082,000 | 534 |
| Average total loans | $983,111,500 | 518 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 2,468 |
| Cost of funding earning assets | 0.3867% | 3,300 |
| Net interest margin | 3.8397% | 2,233 |
| Noninterest income to average assets | 1.0776% | 1,016 |
| Noninterest expense to average assets | 2.8977% | 2,867 |
| Loan and lease loss provision to assets | 0.0559% | 3,193 |
| Net operating income to assets | 1.1771% | 1,639 |
| Return on assets (ROA) | 1.2052% | 1,599 |
| Pretax return on assets | 1.7043% | 986 |
| Return on Equity (ROE) | 10.6180% | 1,749 |
| Retained earnings to average equity (ytd only) | -2.2905% | 5,773 |
| Net charge-offs to loans | 0.1229% | 2,142 |
| Credit loss provision to net charge-offs | 62.3946% | 3,235 |
| Earnings coverage of net charge-offs (x) | 19.2167% | 1,963 |
| Efficiency ratio | 62.7331% | 4,491 |
| Assets per employee ($millions) | 7.9127% | 578 |
| Cash dividends to net income (ytd only)* | 121.5722% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 3,529 |
| Loan loss allowance to noncurrent loans | 271.8856% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 3,650 |
| Noncurrent loans to loans | 0.4388% | 3,895 |
| Net loans and leases to total assets | 74.2071% | 1,694 |
| Net loans and leases to deposits | 86.0208% | 2,129 |
| Net loans and leases to core deposits | 92.4950% | 2,175 |
| Total domestic deposits to total assets | 86.2665% | 2,509 |
| Equity capital to assets | 10.9815% | 2,842 |
| Core capital (leverage) ratio | 10.6317% | 2,796 |
| Tier 1 risk-based capital ratio | 12.6444% | 4,552 |
| Total risk-based capital ratio | 13.7336% | 4,533 |
| Memoranda: | ||
| Average total assets | $1,324,645,000 | 541 |
| Average earning assets | $1,221,476,200 | 539 |
| Average equity | $150,357,200 | 502 |
| Average total loans | $965,282,800 | 493 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 2,666 |
| Cost of funding earning assets | 0.3897% | 3,330 |
| Net interest margin | 3.7844% | 2,445 |
| Noninterest income to average assets | 1.1058% | 983 |
| Noninterest expense to average assets | 2.9273% | 2,754 |
| Loan and lease loss provision to assets | 0.0585% | 3,016 |
| Net operating income to assets | 1.1472% | 1,841 |
| Return on assets (ROA) | 1.1472% | 1,906 |
| Pretax return on assets | 1.6113% | 1,348 |
| Return on Equity (ROE) | 10.0239% | 2,094 |
| Retained earnings to average equity (ytd only) | -4.9273% | 6,021 |
| Net charge-offs to loans | 0.0361% | 3,185 |
| Credit loss provision to net charge-offs | 223.9382% | 1,225 |
| Earnings coverage of net charge-offs (x) | 63.9005% | 875 |
| Efficiency ratio | 63.6621% | 4,308 |
| Assets per employee ($millions) | 7.5677% | 663 |
| Cash dividends to net income (ytd only)* | 149.1557% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 3,086 |
| Loan loss allowance to noncurrent loans | 98.9983% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 2,042 |
| Noncurrent loans to loans | 1.3141% | 1,942 |
| Net loans and leases to total assets | 73.4532% | 1,829 |
| Net loans and leases to deposits | 89.4591% | 1,716 |
| Net loans and leases to core deposits | 96.2782% | 1,856 |
| Total domestic deposits to total assets | 82.1081% | 4,128 |
| Equity capital to assets | 11.0881% | 2,915 |
| Core capital (leverage) ratio | 10.4808% | 3,062 |
| Tier 1 risk-based capital ratio | 12.6664% | 4,634 |
| Total risk-based capital ratio | 13.8457% | 4,593 |
| Memoranda: | ||
| Average total assets | $1,321,495,250 | 546 |
| Average earning assets | $1,219,159,750 | 536 |
| Average equity | $151,234,250 | 506 |
| Average total loans | $955,525,500 | 497 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 2,713 |
| Cost of funding earning assets | 0.3727% | 3,574 |
| Net interest margin | 3.7790% | 2,407 |
| Noninterest income to average assets | 1.3304% | 690 |
| Noninterest expense to average assets | 2.9971% | 2,560 |
| Loan and lease loss provision to assets | 0.1102% | 1,993 |
| Net operating income to assets | 1.2185% | 1,547 |
| Return on assets (ROA) | 1.2185% | 1,626 |
| Pretax return on assets | 1.6821% | 1,114 |
| Return on Equity (ROE) | 10.4078% | 1,890 |
| Retained earnings to average equity (ytd only) | 4.1226% | 3,399 |
| Net charge-offs to loans | 0.0395% | 2,888 |
| Credit loss provision to net charge-offs | 381.2950% | 774 |
| Earnings coverage of net charge-offs (x) | 62.0288% | 827 |
| Efficiency ratio | 62.5781% | 4,577 |
| Assets per employee ($millions) | 7.8355% | 568 |
| Cash dividends to net income (ytd only)* | 60.3889% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 3,054 |
| Loan loss allowance to noncurrent loans | 94.3261% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3894% | 1,807 |
| Noncurrent loans to loans | 1.4146% | 1,898 |
| Net loans and leases to total assets | 73.5460% | 1,737 |
| Net loans and leases to deposits | 85.9911% | 2,054 |
| Net loans and leases to core deposits | 93.7403% | 1,985 |
| Total domestic deposits to total assets | 85.5274% | 2,905 |
| Equity capital to assets | 11.5741% | 2,352 |
| Core capital (leverage) ratio | 11.4851% | 2,003 |
| Tier 1 risk-based capital ratio | 13.7798% | 4,046 |
| Total risk-based capital ratio | 15.0037% | 4,001 |
| Memoranda: | ||
| Average total assets | $962,138,330 | 730 |
| Average earning assets | $880,646,000 | 729 |
| Average equity | $112,646,670 | 691 |
| Average total loans | $704,026,330 | 662 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 2,817 |
| Cost of funding earning assets | 0.3794% | 3,533 |
| Net interest margin | 3.7240% | 2,536 |
| Noninterest income to average assets | 1.2787% | 699 |
| Noninterest expense to average assets | 3.0008% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2271% | 1,471 |
| Return on assets (ROA) | 1.2271% | 1,566 |
| Pretax return on assets | 1.6915% | 1,072 |
| Return on Equity (ROE) | 10.4195% | 1,824 |
| Retained earnings to average equity (ytd only) | 4.4350% | 3,362 |
| Net charge-offs to loans | 0.0174% | 2,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 134.4000% | 388 |
| Efficiency ratio | 63.9517% | 4,492 |
| Assets per employee ($millions) | 7.5168% | 669 |
| Cash dividends to net income (ytd only)* | 57.4359% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 3,155 |
| Loan loss allowance to noncurrent loans | 87.9257% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 2.1104% | 1,092 |
| Noncurrent loans to loans | 1.5322% | 1,832 |
| Net loans and leases to total assets | 71.4979% | 1,894 |
| Net loans and leases to deposits | 84.2237% | 2,038 |
| Net loans and leases to core deposits | 91.6037% | 1,979 |
| Total domestic deposits to total assets | 84.8905% | 3,461 |
| Equity capital to assets | 11.8633% | 2,137 |
| Core capital (leverage) ratio | 11.4752% | 2,015 |
| Tier 1 risk-based capital ratio | 14.3154% | 3,821 |
| Total risk-based capital ratio | 15.5440% | 3,759 |
| Memoranda: | ||
| Average total assets | $953,488,000 | 730 |
| Average earning assets | $873,996,500 | 734 |
| Average equity | $112,289,500 | 693 |
| Average total loans | $690,999,500 | 672 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 2,315 |
| Cost of funding earning assets | 0.4269% | 3,421 |
| Net interest margin | 3.9448% | 2,069 |
| Noninterest income to average assets | 1.5361% | 523 |
| Noninterest expense to average assets | 2.9634% | 2,955 |
| Loan and lease loss provision to assets | 0.0242% | 4,124 |
| Net operating income to assets | 1.5088% | 858 |
| Return on assets (ROA) | 1.5104% | 895 |
| Pretax return on assets | 2.1402% | 372 |
| Return on Equity (ROE) | 13.0470% | 1,126 |
| Retained earnings to average equity (ytd only) | 5.2500% | 2,432 |
| Net charge-offs to loans | 0.0448% | 3,930 |
| Credit loss provision to net charge-offs | 76.5306% | 2,938 |
| Earnings coverage of net charge-offs (x) | 68.4456% | 721 |
| Efficiency ratio | 57.8152% | 5,478 |
| Assets per employee ($millions) | 7.6188% | 624 |
| Cash dividends to net income (ytd only)* | 59.7610% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 3,152 |
| Loan loss allowance to noncurrent loans | 86.1208% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.1527% | 1,137 |
| Noncurrent loans to loans | 1.5733% | 1,859 |
| Net loans and leases to total assets | 71.4852% | 1,997 |
| Net loans and leases to deposits | 84.7528% | 2,130 |
| Net loans and leases to core deposits | 90.3403% | 2,242 |
| Total domestic deposits to total assets | 84.3456% | 3,573 |
| Equity capital to assets | 11.6899% | 2,267 |
| Core capital (leverage) ratio | 11.5587% | 1,937 |
| Tier 1 risk-based capital ratio | 13.9231% | 4,149 |
| Total risk-based capital ratio | 15.1364% | 4,117 |
| Memoranda: | ||
| Average total assets | $930,640,200 | 719 |
| Average earning assets | $846,830,000 | 721 |
| Average equity | $107,733,400 | 680 |
| Average total loans | $655,969,200 | 663 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 3,025 |
| Cost of funding earning assets | 0.4426% | 3,339 |
| Net interest margin | 3.7482% | 2,826 |
| Noninterest income to average assets | 1.4437% | 604 |
| Noninterest expense to average assets | 2.9375% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3643% | 1,213 |
| Return on assets (ROA) | 1.3643% | 1,249 |
| Pretax return on assets | 1.9123% | 698 |
| Return on Equity (ROE) | 11.8148% | 1,528 |
| Retained earnings to average equity (ytd only) | 4.7636% | 3,231 |
| Net charge-offs to loans | 0.0410% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 66.6826% | 805 |
| Efficiency ratio | 60.5693% | 5,113 |
| Assets per employee ($millions) | 7.2868% | 706 |
| Cash dividends to net income (ytd only)* | 59.6810% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 3,190 |
| Loan loss allowance to noncurrent loans | 81.3785% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 2.4491% | 1,092 |
| Noncurrent loans to loans | 1.7173% | 1,891 |
| Net loans and leases to total assets | 69.7550% | 2,237 |
| Net loans and leases to deposits | 83.4834% | 2,225 |
| Net loans and leases to core deposits | 88.7236% | 2,347 |
| Total domestic deposits to total assets | 83.5556% | 3,931 |
| Equity capital to assets | 11.6996% | 2,308 |
| Core capital (leverage) ratio | 11.5960% | 1,983 |
| Tier 1 risk-based capital ratio | 13.8129% | 4,348 |
| Total risk-based capital ratio | 15.0206% | 4,310 |
| Memoranda: | ||
| Average total assets | $925,214,250 | 723 |
| Average earning assets | $840,780,750 | 729 |
| Average equity | $106,834,750 | 686 |
| Average total loans | $647,427,500 | 670 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 3,056 |
| Cost of funding earning assets | 0.4662% | 3,146 |
| Net interest margin | 3.7081% | 2,929 |
| Noninterest income to average assets | 1.5162% | 533 |
| Noninterest expense to average assets | 2.9602% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3703% | 1,135 |
| Return on assets (ROA) | 1.3703% | 1,174 |
| Pretax return on assets | 1.9232% | 651 |
| Return on Equity (ROE) | 11.9202% | 1,446 |
| Retained earnings to average equity (ytd only) | 4.8495% | 3,056 |
| Net charge-offs to loans | 0.0849% | 2,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 32.5018% | 1,194 |
| Efficiency ratio | 60.6170% | 5,207 |
| Assets per employee ($millions) | 7.1250% | 753 |
| Cash dividends to net income (ytd only)* | 59.3167% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 3,274 |
| Loan loss allowance to noncurrent loans | 78.4342% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.5683% | 1,079 |
| Noncurrent loans to loans | 1.8031% | 1,896 |
| Net loans and leases to total assets | 69.9143% | 2,101 |
| Net loans and leases to deposits | 82.0566% | 2,243 |
| Net loans and leases to core deposits | 87.2851% | 2,384 |
| Total domestic deposits to total assets | 85.2026% | 3,409 |
| Equity capital to assets | 11.8329% | 2,123 |
| Core capital (leverage) ratio | 11.4369% | 2,064 |
| Tier 1 risk-based capital ratio | 13.7249% | 4,430 |
| Total risk-based capital ratio | 14.9295% | 4,418 |
| Memoranda: | ||
| Average total assets | $922,716,670 | 724 |
| Average earning assets | $837,889,330 | 732 |
| Average equity | $106,072,000 | 687 |
| Average total loans | $643,293,000 | 665 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 3,207 |
| Cost of funding earning assets | 0.4855% | 3,056 |
| Net interest margin | 3.6339% | 3,127 |
| Noninterest income to average assets | 1.5038% | 521 |
| Noninterest expense to average assets | 2.9541% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3180% | 1,170 |
| Return on assets (ROA) | 1.3180% | 1,215 |
| Pretax return on assets | 1.8434% | 742 |
| Return on Equity (ROE) | 11.6329% | 1,512 |
| Retained earnings to average equity (ytd only) | 4.7855% | 3,242 |
| Net charge-offs to loans | 0.1303% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 20.4641% | 1,331 |
| Efficiency ratio | 61.5758% | 5,191 |
| Assets per employee ($millions) | 7.3837% | 670 |
| Cash dividends to net income (ytd only)* | 58.8620% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 3,380 |
| Loan loss allowance to noncurrent loans | 75.1121% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.6587% | 1,158 |
| Noncurrent loans to loans | 1.9263% | 1,958 |
| Net loans and leases to total assets | 67.4374% | 2,312 |
| Net loans and leases to deposits | 79.2226% | 2,402 |
| Net loans and leases to core deposits | 84.6273% | 2,448 |
| Total domestic deposits to total assets | 85.1239% | 3,813 |
| Equity capital to assets | 11.3973% | 2,336 |
| Core capital (leverage) ratio | 11.2128% | 2,212 |
| Tier 1 risk-based capital ratio | 13.6922% | 4,544 |
| Total risk-based capital ratio | 14.9179% | 4,516 |
| Memoranda: | ||
| Average total assets | $928,074,000 | 731 |
| Average earning assets | $841,179,500 | 736 |
| Average equity | $105,150,000 | 692 |
| Average total loans | $641,556,000 | 667 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 1,900 |
| Cost of funding earning assets | 0.5837% | 2,796 |
| Net interest margin | 4.0099% | 1,919 |
| Noninterest income to average assets | 2.2561% | 333 |
| Noninterest expense to average assets | 3.1541% | 2,569 |
| Loan and lease loss provision to assets | 0.0374% | 4,367 |
| Net operating income to assets | 1.8878% | 406 |
| Return on assets (ROA) | 1.9177% | 394 |
| Pretax return on assets | 2.7351% | 158 |
| Return on Equity (ROE) | 16.4903% | 562 |
| Retained earnings to average equity (ytd only) | 4.8848% | 2,679 |
| Net charge-offs to loans | 0.0550% | 4,461 |
| Credit loss provision to net charge-offs | 98.8201% | 2,511 |
| Earnings coverage of net charge-offs (x) | 72.1917% | 591 |
| Efficiency ratio | 53.6066% | 6,171 |
| Assets per employee ($millions) | 7.1767% | 697 |
| Cash dividends to net income (ytd only)* | 70.3775% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 3,389 |
| Loan loss allowance to noncurrent loans | 77.8512% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 2.6908% | 1,248 |
| Noncurrent loans to loans | 1.8716% | 2,146 |
| Net loans and leases to total assets | 68.8139% | 2,210 |
| Net loans and leases to deposits | 80.8180% | 2,341 |
| Net loans and leases to core deposits | 86.2536% | 2,414 |
| Total domestic deposits to total assets | 85.1467% | 3,667 |
| Equity capital to assets | 11.2622% | 2,373 |
| Core capital (leverage) ratio | 11.2633% | 2,149 |
| Tier 1 risk-based capital ratio | 13.3896% | 4,723 |
| Total risk-based capital ratio | 14.6306% | 4,676 |
| Memoranda: | ||
| Average total assets | $896,536,800 | 736 |
| Average earning assets | $811,085,200 | 735 |
| Average equity | $104,261,600 | 681 |
| Average total loans | $616,641,800 | 676 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4968% | 2,242 |
| Cost of funding earning assets | 0.6103% | 2,732 |
| Net interest margin | 3.8865% | 2,326 |
| Noninterest income to average assets | 2.5385% | 287 |
| Noninterest expense to average assets | 3.1783% | 2,423 |
| Loan and lease loss provision to assets | 0.0052% | 4,863 |
| Net operating income to assets | 1.9762% | 378 |
| Return on assets (ROA) | 2.0158% | 366 |
| Pretax return on assets | 2.9250% | 147 |
| Return on Equity (ROE) | 17.1924% | 523 |
| Retained earnings to average equity (ytd only) | 4.5321% | 3,451 |
| Net charge-offs to loans | 0.0626% | 4,010 |
| Credit loss provision to net charge-offs | 12.2378% | 4,192 |
| Earnings coverage of net charge-offs (x) | 66.9937% | 684 |
| Efficiency ratio | 52.5237% | 6,221 |
| Assets per employee ($millions) | 7.7623% | 516 |
| Cash dividends to net income (ytd only)* | 73.6388% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 3,556 |
| Loan loss allowance to noncurrent loans | 73.9222% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.9235% | 1,270 |
| Noncurrent loans to loans | 1.9970% | 2,249 |
| Net loans and leases to total assets | 69.1838% | 2,104 |
| Net loans and leases to deposits | 83.4468% | 1,947 |
| Net loans and leases to core deposits | 89.4676% | 2,025 |
| Total domestic deposits to total assets | 82.9076% | 4,615 |
| Equity capital to assets | 11.6543% | 2,168 |
| Core capital (leverage) ratio | 11.2990% | 2,199 |
| Tier 1 risk-based capital ratio | 13.4362% | 4,807 |
| Total risk-based capital ratio | 14.6676% | 4,764 |
| Memoranda: | ||
| Average total assets | $889,222,000 | 748 |
| Average earning assets | $803,690,500 | 753 |
| Average equity | $104,260,750 | 685 |
| Average total loans | $609,178,250 | 687 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 2,375 |
| Cost of funding earning assets | 0.6363% | 2,630 |
| Net interest margin | 3.8159% | 2,492 |
| Noninterest income to average assets | 2.9800% | 256 |
| Noninterest expense to average assets | 3.1992% | 2,357 |
| Loan and lease loss provision to assets | 0.0079% | 4,695 |
| Net operating income to assets | 2.1942% | 263 |
| Return on assets (ROA) | 2.2527% | 252 |
| Pretax return on assets | 3.3079% | 118 |
| Return on Equity (ROE) | 19.1747% | 369 |
| Retained earnings to average equity (ytd only) | 13.0584% | 379 |
| Net charge-offs to loans | 0.0724% | 3,675 |
| Credit loss provision to net charge-offs | 15.9817% | 3,814 |
| Earnings coverage of net charge-offs (x) | 65.6758% | 663 |
| Efficiency ratio | 49.7625% | 6,448 |
| Assets per employee ($millions) | 7.9599% | 467 |
| Cash dividends to net income (ytd only)* | 31.8979% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,508 |
| Loan loss allowance to noncurrent loans | 69.2498% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 3.0866% | 1,301 |
| Noncurrent loans to loans | 2.1915% | 2,186 |
| Net loans and leases to total assets | 67.2599% | 2,370 |
| Net loans and leases to deposits | 79.8274% | 2,342 |
| Net loans and leases to core deposits | 85.5244% | 2,380 |
| Total domestic deposits to total assets | 84.2566% | 4,217 |
| Equity capital to assets | 11.9955% | 1,914 |
| Core capital (leverage) ratio | 11.9919% | 1,616 |
| Tier 1 risk-based capital ratio | 14.3076% | 4,221 |
| Total risk-based capital ratio | 15.5580% | 4,171 |
| Memoranda: | ||
| Average total assets | $890,661,330 | 743 |
| Average earning assets | $805,001,000 | 752 |
| Average equity | $104,638,000 | 686 |
| Average total loans | $605,110,000 | 687 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 2,148 |
| Cost of funding earning assets | 0.6649% | 2,528 |
| Net interest margin | 3.8393% | 2,323 |
| Noninterest income to average assets | 1.2370% | 1,006 |
| Noninterest expense to average assets | 3.0266% | 2,897 |
| Loan and lease loss provision to assets | 0.0157% | 4,262 |
| Net operating income to assets | 1.2051% | 1,510 |
| Return on assets (ROA) | 1.2051% | 1,621 |
| Pretax return on assets | 1.6530% | 1,184 |
| Return on Equity (ROE) | 10.3666% | 1,925 |
| Retained earnings to average equity (ytd only) | 4.9552% | 3,262 |
| Net charge-offs to loans | 0.1147% | 2,740 |
| Credit loss provision to net charge-offs | 20.2312% | 3,029 |
| Earnings coverage of net charge-offs (x) | 21.4682% | 1,157 |
| Efficiency ratio | 64.4593% | 4,929 |
| Assets per employee ($millions) | 7.7260% | 551 |
| Cash dividends to net income (ytd only)* | 52.1999% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 3,464 |
| Loan loss allowance to noncurrent loans | 73.5292% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 3.2600% | 1,335 |
| Noncurrent loans to loans | 2.1546% | 2,441 |
| Net loans and leases to total assets | 66.6629% | 2,252 |
| Net loans and leases to deposits | 80.5924% | 2,007 |
| Net loans and leases to core deposits | 88.4116% | 1,862 |
| Total domestic deposits to total assets | 82.7161% | 4,946 |
| Equity capital to assets | 12.0164% | 2,027 |
| Core capital (leverage) ratio | 11.2783% | 2,031 |
| Tier 1 risk-based capital ratio | 14.0193% | 4,492 |
| Total risk-based capital ratio | 15.2702% | 4,450 |
| Memoranda: | ||
| Average total assets | $890,239,000 | 742 |
| Average earning assets | $801,916,500 | 762 |
| Average equity | $103,486,500 | 706 |
| Average total loans | $603,232,000 | 689 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 2,503 |
| Cost of funding earning assets | 0.8876% | 2,012 |
| Net interest margin | 3.8352% | 3,085 |
| Noninterest income to average assets | 1.5962% | 624 |
| Noninterest expense to average assets | 3.0284% | 3,170 |
| Loan and lease loss provision to assets | 0.0897% | 4,569 |
| Net operating income to assets | 1.5666% | 800 |
| Return on assets (ROA) | 1.6269% | 795 |
| Pretax return on assets | 2.0014% | 598 |
| Return on Equity (ROE) | 14.6810% | 877 |
| Retained earnings to average equity (ytd only) | 6.4783% | 1,833 |
| Net charge-offs to loans | 0.1215% | 4,472 |
| Credit loss provision to net charge-offs | 109.2896% | 2,687 |
| Earnings coverage of net charge-offs (x) | 24.5792% | 1,168 |
| Efficiency ratio | 60.0275% | 5,536 |
| Assets per employee ($millions) | 8.1711% | 468 |
| Cash dividends to net income (ytd only)* | 55.8732% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 3,663 |
| Loan loss allowance to noncurrent loans | 71.5674% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 3.2979% | 1,396 |
| Noncurrent loans to loans | 2.1227% | 2,557 |
| Net loans and leases to total assets | 66.7542% | 2,414 |
| Net loans and leases to deposits | 81.0483% | 2,138 |
| Net loans and leases to core deposits | 88.3924% | 2,041 |
| Total domestic deposits to total assets | 82.3635% | 4,976 |
| Equity capital to assets | 11.2541% | 2,684 |
| Core capital (leverage) ratio | 10.9471% | 2,299 |
| Tier 1 risk-based capital ratio | 13.1621% | 4,988 |
| Total risk-based capital ratio | 14.4125% | 4,934 |
| Memoranda: | ||
| Average total assets | $892,180,200 | 735 |
| Average earning assets | $802,312,600 | 744 |
| Average equity | $98,869,000 | 718 |
| Average total loans | $602,358,800 | 687 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7899% | 2,426 |
| Cost of funding earning assets | 0.9346% | 1,956 |
| Net interest margin | 3.8554% | 3,099 |
| Noninterest income to average assets | 1.5659% | 605 |
| Noninterest expense to average assets | 3.0108% | 3,196 |
| Loan and lease loss provision to assets | 0.1203% | 4,045 |
| Net operating income to assets | 1.3537% | 1,323 |
| Return on assets (ROA) | 1.4224% | 1,295 |
| Pretax return on assets | 2.0021% | 702 |
| Return on Equity (ROE) | 12.8877% | 1,364 |
| Retained earnings to average equity (ytd only) | 5.9239% | 2,746 |
| Net charge-offs to loans | 0.0013% | 5,760 |
| Credit loss provision to net charge-offs | 13,333.3333% | 17 |
| Earnings coverage of net charge-offs (x) | 2,244.4438% | 10 |
| Efficiency ratio | 59.7808% | 5,532 |
| Assets per employee ($millions) | 7.5772% | 570 |
| Cash dividends to net income (ytd only)* | 54.0340% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7281% | 3,045 |
| Loan loss allowance to noncurrent loans | 66.6185% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 3.8467% | 1,279 |
| Noncurrent loans to loans | 2.5940% | 2,204 |
| Net loans and leases to total assets | 66.8206% | 2,496 |
| Net loans and leases to deposits | 81.3145% | 2,209 |
| Net loans and leases to core deposits | 90.7357% | 1,902 |
| Total domestic deposits to total assets | 82.1754% | 4,958 |
| Equity capital to assets | 11.7185% | 2,513 |
| Core capital (leverage) ratio | 11.0480% | 2,332 |
| Tier 1 risk-based capital ratio | 13.5794% | 4,835 |
| Total risk-based capital ratio | 14.8320% | 4,793 |
| Memoranda: | ||
| Average total assets | $886,434,750 | 743 |
| Average earning assets | $797,934,000 | 750 |
| Average equity | $97,838,000 | 730 |
| Average total loans | $597,865,250 | 687 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 2,684 |
| Cost of funding earning assets | 0.9682% | 1,943 |
| Net interest margin | 3.7918% | 3,400 |
| Noninterest income to average assets | 1.4329% | 704 |
| Noninterest expense to average assets | 3.0289% | 3,154 |
| Loan and lease loss provision to assets | 0.1790% | 3,304 |
| Net operating income to assets | 1.1843% | 1,768 |
| Return on assets (ROA) | 1.2665% | 1,693 |
| Pretax return on assets | 1.7553% | 1,125 |
| Return on Equity (ROE) | 11.7073% | 1,769 |
| Retained earnings to average equity (ytd only) | 4.8620% | 3,360 |
| Net charge-offs to loans | 0.1354% | 3,848 |
| Credit loss provision to net charge-offs | 196.5602% | 1,446 |
| Earnings coverage of net charge-offs (x) | 19.9902% | 1,411 |
| Efficiency ratio | 62.4637% | 5,173 |
| Assets per employee ($millions) | 7.7185% | 531 |
| Cash dividends to net income (ytd only)* | 58.4702% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6808% | 3,312 |
| Loan loss allowance to noncurrent loans | 55.7819% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 4.1348% | 1,212 |
| Noncurrent loans to loans | 3.0131% | 1,959 |
| Net loans and leases to total assets | 65.9686% | 2,675 |
| Net loans and leases to deposits | 79.0329% | 2,520 |
| Net loans and leases to core deposits | 88.8661% | 2,114 |
| Total domestic deposits to total assets | 83.4698% | 4,545 |
| Equity capital to assets | 11.4118% | 2,677 |
| Core capital (leverage) ratio | 10.6660% | 2,644 |
| Tier 1 risk-based capital ratio | 13.3923% | 4,907 |
| Total risk-based capital ratio | 14.6442% | 4,867 |
| Memoranda: | ||
| Average total assets | $893,978,670 | 742 |
| Average earning assets | $805,430,000 | 750 |
| Average equity | $96,709,000 | 736 |
| Average total loans | $601,371,000 | 685 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 2,796 |
| Cost of funding earning assets | 0.9687% | 2,171 |
| Net interest margin | 3.7941% | 3,417 |
| Noninterest income to average assets | 1.4674% | 676 |
| Noninterest expense to average assets | 3.0402% | 3,115 |
| Loan and lease loss provision to assets | 0.2333% | 2,611 |
| Net operating income to assets | 1.1711% | 1,820 |
| Return on assets (ROA) | 1.1711% | 2,003 |
| Pretax return on assets | 1.6074% | 1,546 |
| Return on Equity (ROE) | 11.2268% | 1,932 |
| Retained earnings to average equity (ytd only) | 4.9649% | 3,575 |
| Net charge-offs to loans | 0.1500% | 3,196 |
| Credit loss provision to net charge-offs | 232.5581% | 1,209 |
| Earnings coverage of net charge-offs (x) | 18.3488% | 1,270 |
| Efficiency ratio | 62.2885% | 5,221 |
| Assets per employee ($millions) | 7.7437% | 545 |
| Cash dividends to net income (ytd only)* | 55.7769% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 3,564 |
| Loan loss allowance to noncurrent loans | 143.1980% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 2.9322% | 1,970 |
| Noncurrent loans to loans | 1.1477% | 4,415 |
| Net loans and leases to total assets | 63.7736% | 2,896 |
| Net loans and leases to deposits | 75.3872% | 2,907 |
| Net loans and leases to core deposits | 85.9861% | 2,290 |
| Total domestic deposits to total assets | 84.5948% | 4,224 |
| Equity capital to assets | 10.3712% | 3,645 |
| Core capital (leverage) ratio | 10.1423% | 3,184 |
| Tier 1 risk-based capital ratio | 12.8845% | 5,294 |
| Total risk-based capital ratio | 14.1363% | 5,272 |
| Memoranda: | ||
| Average total assets | $857,308,000 | 774 |
| Average earning assets | $771,308,000 | 782 |
| Average equity | $89,428,500 | 777 |
| Average total loans | $573,172,500 | 726 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 1,973 |
| Cost of funding earning assets | 1.2053% | 1,991 |
| Net interest margin | 4.0175% | 2,801 |
| Noninterest income to average assets | 1.6585% | 504 |
| Noninterest expense to average assets | 3.2608% | 2,654 |
| Loan and lease loss provision to assets | 0.2407% | 3,800 |
| Net operating income to assets | 1.3047% | 1,237 |
| Return on assets (ROA) | 1.3047% | 1,341 |
| Pretax return on assets | 1.7850% | 831 |
| Return on Equity (ROE) | 12.7285% | 1,222 |
| Retained earnings to average equity (ytd only) | 7.2600% | 1,378 |
| Net charge-offs to loans | 0.5178% | 2,917 |
| Credit loss provision to net charge-offs | 63.7508% | 5,063 |
| Earnings coverage of net charge-offs (x) | 5.3660% | 2,818 |
| Efficiency ratio | 61.6817% | 5,505 |
| Assets per employee ($millions) | 7.0610% | 707 |
| Cash dividends to net income (ytd only)* | 42.9625% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 3,865 |
| Loan loss allowance to noncurrent loans | 115.7235% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 3.2137% | 1,857 |
| Noncurrent loans to loans | 1.3254% | 4,163 |
| Net loans and leases to total assets | 67.8657% | 2,428 |
| Net loans and leases to deposits | 80.0478% | 2,508 |
| Net loans and leases to core deposits | 91.9255% | 1,894 |
| Total domestic deposits to total assets | 84.7815% | 3,970 |
| Equity capital to assets | 10.4929% | 3,545 |
| Core capital (leverage) ratio | 10.1795% | 3,118 |
| Tier 1 risk-based capital ratio | 12.5465% | 5,410 |
| Total risk-based capital ratio | 13.7976% | 5,394 |
| Memoranda: | ||
| Average total assets | $820,663,800 | 793 |
| Average earning assets | $741,075,600 | 800 |
| Average equity | $84,118,000 | 795 |
| Average total loans | $598,301,800 | 697 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2872% | 1,913 |
| Cost of funding earning assets | 1.2560% | 1,961 |
| Net interest margin | 4.0312% | 2,773 |
| Noninterest income to average assets | 1.6609% | 494 |
| Noninterest expense to average assets | 3.2281% | 2,733 |
| Loan and lease loss provision to assets | 0.2662% | 3,378 |
| Net operating income to assets | 1.3176% | 1,330 |
| Return on assets (ROA) | 1.3176% | 1,418 |
| Pretax return on assets | 1.8117% | 940 |
| Return on Equity (ROE) | 12.9342% | 1,296 |
| Retained earnings to average equity (ytd only) | 5.5377% | 2,835 |
| Net charge-offs to loans | 0.5791% | 2,516 |
| Credit loss provision to net charge-offs | 62.1653% | 4,742 |
| Earnings coverage of net charge-offs (x) | 4.8531% | 2,940 |
| Efficiency ratio | 60.8384% | 5,587 |
| Assets per employee ($millions) | 7.3472% | 624 |
| Cash dividends to net income (ytd only)* | 57.1855% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 3,900 |
| Loan loss allowance to noncurrent loans | 117.7896% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 2.8034% | 2,318 |
| Noncurrent loans to loans | 1.3138% | 4,342 |
| Net loans and leases to total assets | 70.2845% | 2,027 |
| Net loans and leases to deposits | 83.3061% | 2,128 |
| Net loans and leases to core deposits | 96.2554% | 1,583 |
| Total domestic deposits to total assets | 84.3690% | 4,066 |
| Equity capital to assets | 10.5123% | 3,693 |
| Core capital (leverage) ratio | 10.0626% | 3,355 |
| Tier 1 risk-based capital ratio | 12.2898% | 5,676 |
| Total risk-based capital ratio | 13.5413% | 5,658 |
| Memoranda: | ||
| Average total assets | $814,000,500 | 811 |
| Average earning assets | $736,048,000 | 813 |
| Average equity | $82,920,500 | 813 |
| Average total loans | $601,878,500 | 701 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 2,101 |
| Cost of funding earning assets | 1.2999% | 1,942 |
| Net interest margin | 3.9388% | 3,128 |
| Noninterest income to average assets | 1.7429% | 445 |
| Noninterest expense to average assets | 3.2373% | 2,781 |
| Loan and lease loss provision to assets | 0.1849% | 4,069 |
| Net operating income to assets | 1.3644% | 1,159 |
| Return on assets (ROA) | 1.3644% | 1,227 |
| Pretax return on assets | 1.8855% | 733 |
| Return on Equity (ROE) | 13.5404% | 1,076 |
| Retained earnings to average equity (ytd only) | 5.9540% | 2,462 |
| Net charge-offs to loans | 0.5090% | 2,573 |
| Credit loss provision to net charge-offs | 48.5751% | 4,617 |
| Earnings coverage of net charge-offs (x) | 5.4378% | 2,612 |
| Efficiency ratio | 60.9924% | 5,731 |
| Assets per employee ($millions) | 7.2507% | 643 |
| Cash dividends to net income (ytd only)* | 56.0275% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 3,906 |
| Loan loss allowance to noncurrent loans | 104.1031% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 3.1050% | 2,164 |
| Noncurrent loans to loans | 1.4892% | 4,192 |
| Net loans and leases to total assets | 72.6175% | 1,661 |
| Net loans and leases to deposits | 85.2707% | 1,900 |
| Net loans and leases to core deposits | 99.1461% | 1,423 |
| Total domestic deposits to total assets | 85.1612% | 3,806 |
| Equity capital to assets | 10.3108% | 3,737 |
| Core capital (leverage) ratio | 9.9681% | 3,299 |
| Tier 1 risk-based capital ratio | 12.0034% | 5,785 |
| Total risk-based capital ratio | 13.2551% | 5,755 |
| Memoranda: | ||
| Average total assets | $811,039,330 | 825 |
| Average earning assets | $734,030,000 | 824 |
| Average equity | $81,726,000 | 821 |
| Average total loans | $606,687,670 | 704 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 2,352 |
| Cost of funding earning assets | 1.3425% | 1,931 |
| Net interest margin | 3.8279% | 3,477 |
| Noninterest income to average assets | 1.7046% | 471 |
| Noninterest expense to average assets | 3.2661% | 2,658 |
| Loan and lease loss provision to assets | 0.0247% | 5,654 |
| Net operating income to assets | 1.3547% | 1,143 |
| Return on assets (ROA) | 1.3547% | 1,196 |
| Pretax return on assets | 1.8882% | 698 |
| Return on Equity (ROE) | 13.6021% | 1,062 |
| Retained earnings to average equity (ytd only) | 6.6648% | 2,299 |
| Net charge-offs to loans | 0.0603% | 4,324 |
| Credit loss provision to net charge-offs | 54.3478% | 3,665 |
| Earnings coverage of net charge-offs (x) | 42.1304% | 660 |
| Efficiency ratio | 63.0646% | 5,513 |
| Assets per employee ($millions) | 7.1244% | 696 |
| Cash dividends to net income (ytd only)* | 51.0018% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 3,434 |
| Loan loss allowance to noncurrent loans | 88.6671% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 3.1908% | 2,162 |
| Noncurrent loans to loans | 1.8874% | 3,713 |
| Net loans and leases to total assets | 72.6164% | 1,587 |
| Net loans and leases to deposits | 84.7976% | 1,910 |
| Net loans and leases to core deposits | 98.7182% | 1,452 |
| Total domestic deposits to total assets | 85.6350% | 3,720 |
| Equity capital to assets | 10.0517% | 3,709 |
| Core capital (leverage) ratio | 9.8818% | 3,297 |
| Tier 1 risk-based capital ratio | 11.8640% | 5,808 |
| Total risk-based capital ratio | 13.1171% | 5,812 |
| Memoranda: | ||
| Average total assets | $810,520,000 | 833 |
| Average earning assets | $735,647,500 | 827 |
| Average equity | $80,723,000 | 822 |
| Average total loans | $610,533,000 | 707 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3535% | 2,879 |
| Cost of funding earning assets | 1.7193% | 1,512 |
| Net interest margin | 3.6342% | 4,650 |
| Noninterest income to average assets | 1.3655% | 786 |
| Noninterest expense to average assets | 3.0960% | 3,472 |
| Loan and lease loss provision to assets | 0.6639% | 2,488 |
| Net operating income to assets | 0.7315% | 3,093 |
| Return on assets (ROA) | 0.7419% | 3,159 |
| Pretax return on assets | 0.9313% | 3,158 |
| Return on Equity (ROE) | 7.8720% | 2,750 |
| Retained earnings to average equity (ytd only) | 4.6787% | 2,621 |
| Net charge-offs to loans | 0.6506% | 3,057 |
| Credit loss provision to net charge-offs | 130.9665% | 3,028 |
| Earnings coverage of net charge-offs (x) | 3.1213% | 3,516 |
| Efficiency ratio | 66.1795% | 4,937 |
| Assets per employee ($millions) | 7.0952% | 716 |
| Cash dividends to net income (ytd only)* | 40.5647% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 3,497 |
| Loan loss allowance to noncurrent loans | 72.5284% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 2.3183% | 2,948 |
| Noncurrent loans to loans | 2.2371% | 3,288 |
| Net loans and leases to total assets | 75.5597% | 1,359 |
| Net loans and leases to deposits | 89.7907% | 1,555 |
| Net loans and leases to core deposits | 106.0733% | 1,184 |
| Total domestic deposits to total assets | 84.1510% | 4,298 |
| Equity capital to assets | 9.8668% | 3,916 |
| Core capital (leverage) ratio | 9.6077% | 3,545 |
| Tier 1 risk-based capital ratio | 11.6312% | 5,788 |
| Total risk-based capital ratio | 12.8844% | 5,789 |
| Memoranda: | ||
| Average total assets | $830,754,200 | 813 |
| Average earning assets | $757,243,600 | 805 |
| Average equity | $78,290,600 | 843 |
| Average total loans | $647,259,400 | 680 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3416% | 3,158 |
| Cost of funding earning assets | 1.7857% | 1,477 |
| Net interest margin | 3.5558% | 5,079 |
| Noninterest income to average assets | 1.3060% | 810 |
| Noninterest expense to average assets | 3.0640% | 3,521 |
| Loan and lease loss provision to assets | 0.7613% | 2,010 |
| Net operating income to assets | 0.5941% | 3,898 |
| Return on assets (ROA) | 0.6084% | 4,012 |
| Pretax return on assets | 0.7366% | 4,126 |
| Return on Equity (ROE) | 6.5303% | 3,561 |
| Retained earnings to average equity (ytd only) | 3.9634% | 3,691 |
| Net charge-offs to loans | 0.7689% | 2,505 |
| Credit loss provision to net charge-offs | 126.6578% | 3,223 |
| Earnings coverage of net charge-offs (x) | 2.4634% | 3,939 |
| Efficiency ratio | 67.4186% | 4,579 |
| Assets per employee ($millions) | 7.0139% | 770 |
| Cash dividends to net income (ytd only)* | 39.3082% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 3,903 |
| Loan loss allowance to noncurrent loans | 67.9992% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 2.2589% | 3,127 |
| Noncurrent loans to loans | 2.2257% | 3,418 |
| Net loans and leases to total assets | 77.5598% | 1,115 |
| Net loans and leases to deposits | 91.7279% | 1,483 |
| Net loans and leases to core deposits | 109.8802% | 1,039 |
| Total domestic deposits to total assets | 84.5542% | 3,849 |
| Equity capital to assets | 9.7274% | 4,504 |
| Core capital (leverage) ratio | 9.4531% | 3,979 |
| Tier 1 risk-based capital ratio | 10.9164% | 6,447 |
| Total risk-based capital ratio | 12.1682% | 6,427 |
| Memoranda: | ||
| Average total assets | $836,228,500 | 806 |
| Average earning assets | $761,655,500 | 802 |
| Average equity | $77,911,250 | 850 |
| Average total loans | $653,761,750 | 671 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2988% | 3,475 |
| Cost of funding earning assets | 1.8515% | 1,425 |
| Net interest margin | 3.4472% | 5,447 |
| Noninterest income to average assets | 1.2552% | 823 |
| Noninterest expense to average assets | 3.0275% | 3,605 |
| Loan and lease loss provision to assets | 1.0696% | 1,349 |
| Net operating income to assets | 0.3002% | 5,184 |
| Return on assets (ROA) | 0.3259% | 5,249 |
| Pretax return on assets | 0.3223% | 5,444 |
| Return on Equity (ROE) | 3.5485% | 4,993 |
| Retained earnings to average equity (ytd only) | 2.2543% | 4,718 |
| Net charge-offs to loans | 1.1157% | 1,699 |
| Credit loss provision to net charge-offs | 122.9172% | 3,290 |
| Earnings coverage of net charge-offs (x) | 1.5701% | 4,313 |
| Efficiency ratio | 68.9045% | 4,399 |
| Assets per employee ($millions) | 6.9405% | 794 |
| Cash dividends to net income (ytd only)* | 36.4697% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 4,022 |
| Loan loss allowance to noncurrent loans | 62.2935% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 2.3712% | 3,042 |
| Noncurrent loans to loans | 2.3736% | 3,287 |
| Net loans and leases to total assets | 77.5700% | 1,182 |
| Net loans and leases to deposits | 95.0901% | 1,139 |
| Net loans and leases to core deposits | 113.0071% | 976 |
| Total domestic deposits to total assets | 81.5752% | 5,167 |
| Equity capital to assets | 9.4753% | 4,740 |
| Core capital (leverage) ratio | 9.0023% | 4,596 |
| Tier 1 risk-based capital ratio | 10.7366% | 6,493 |
| Total risk-based capital ratio | 11.9881% | 6,482 |
| Memoranda: | ||
| Average total assets | $841,428,000 | 804 |
| Average earning assets | $766,061,330 | 800 |
| Average equity | $77,273,000 | 850 |
| Average total loans | $656,262,330 | 670 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 3,704 |
| Cost of funding earning assets | 1.8971% | 1,459 |
| Net interest margin | 3.3684% | 5,713 |
| Noninterest income to average assets | 1.1046% | 1,034 |
| Noninterest expense to average assets | 3.0316% | 3,558 |
| Loan and lease loss provision to assets | 0.5417% | 2,335 |
| Net operating income to assets | 0.5083% | 4,350 |
| Return on assets (ROA) | 0.5083% | 4,489 |
| Pretax return on assets | 0.5949% | 4,623 |
| Return on Equity (ROE) | 5.6212% | 4,058 |
| Retained earnings to average equity (ytd only) | 3.0164% | 4,327 |
| Net charge-offs to loans | 0.1675% | 3,922 |
| Credit loss provision to net charge-offs | 416.6667% | 990 |
| Earnings coverage of net charge-offs (x) | 8.7428% | 1,929 |
| Efficiency ratio | 72.7314% | 3,804 |
| Assets per employee ($millions) | 7.3432% | 705 |
| Cash dividends to net income (ytd only)* | 46.3392% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 4,033 |
| Loan loss allowance to noncurrent loans | 50.0778% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.7832% | 2,612 |
| Noncurrent loans to loans | 2.9487% | 2,726 |
| Net loans and leases to total assets | 76.2450% | 1,489 |
| Net loans and leases to deposits | 91.7566% | 1,644 |
| Net loans and leases to core deposits | 108.5557% | 1,376 |
| Total domestic deposits to total assets | 83.0948% | 4,573 |
| Equity capital to assets | 9.1472% | 5,068 |
| Core capital (leverage) ratio | 8.7776% | 4,891 |
| Tier 1 risk-based capital ratio | 10.6226% | 6,518 |
| Total risk-based capital ratio | 11.8740% | 6,507 |
| Memoranda: | ||
| Average total assets | $849,184,000 | 811 |
| Average earning assets | $772,346,000 | 810 |
| Average equity | $76,780,500 | 855 |
| Average total loans | $659,254,500 | 684 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 4,267 |
| Cost of funding earning assets | 2.2020% | 2,026 |
| Net interest margin | 3.2766% | 5,831 |
| Noninterest income to average assets | 1.2105% | 1,050 |
| Noninterest expense to average assets | 2.7308% | 5,243 |
| Loan and lease loss provision to assets | 1.2055% | 1,909 |
| Net operating income to assets | 0.2820% | 4,600 |
| Return on assets (ROA) | 0.3495% | 4,418 |
| Pretax return on assets | 0.3315% | 4,681 |
| Return on Equity (ROE) | 4.1685% | 4,016 |
| Retained earnings to average equity (ytd only) | 2.3992% | 3,448 |
| Net charge-offs to loans | 1.2282% | 2,010 |
| Credit loss provision to net charge-offs | 127.5043% | 4,060 |
| Earnings coverage of net charge-offs (x) | 1.5543% | 4,580 |
| Efficiency ratio | 65.0148% | 5,581 |
| Assets per employee ($millions) | 7.4253% | 667 |
| Cash dividends to net income (ytd only)* | 42.4434% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,652 |
| Loan loss allowance to noncurrent loans | 44.3053% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 2.8386% | 2,472 |
| Noncurrent loans to loans | 2.9787% | 2,582 |
| Net loans and leases to total assets | 76.8495% | 1,619 |
| Net loans and leases to deposits | 94.7137% | 1,500 |
| Net loans and leases to core deposits | 110.4760% | 2,843 |
| Total domestic deposits to total assets | 81.1388% | 5,298 |
| Equity capital to assets | 8.9373% | 5,237 |
| Core capital (leverage) ratio | 8.7115% | 4,904 |
| Tier 1 risk-based capital ratio | 10.2459% | 6,640 |
| Total risk-based capital ratio | 11.4567% | 6,646 |
| Memoranda: | ||
| Average total assets | $859,498,200 | 791 |
| Average earning assets | $784,250,400 | 782 |
| Average equity | $72,064,400 | 909 |
| Average total loans | $661,592,000 | 706 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4781% | 4,531 |
| Cost of funding earning assets | 2.2488% | 2,191 |
| Net interest margin | 3.2293% | 5,920 |
| Noninterest income to average assets | 1.1944% | 1,084 |
| Noninterest expense to average assets | 2.7117% | 5,268 |
| Loan and lease loss provision to assets | 1.4095% | 1,365 |
| Net operating income to assets | 0.1518% | 5,315 |
| Return on assets (ROA) | 0.1518% | 5,375 |
| Pretax return on assets | 0.0254% | 5,660 |
| Return on Equity (ROE) | 1.8403% | 5,222 |
| Retained earnings to average equity (ytd only) | -0.5540% | 5,363 |
| Net charge-offs to loans | 1.5959% | 1,279 |
| Credit loss provision to net charge-offs | 115.0714% | 4,412 |
| Earnings coverage of net charge-offs (x) | 1.1714% | 4,889 |
| Efficiency ratio | 65.3955% | 5,477 |
| Assets per employee ($millions) | 7.5920% | 605 |
| Cash dividends to net income (ytd only)* | 130.1026% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 5,399 |
| Loan loss allowance to noncurrent loans | 36.4266% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 3.2688% | 2,070 |
| Noncurrent loans to loans | 3.1649% | 2,388 |
| Net loans and leases to total assets | 75.9410% | 2,002 |
| Net loans and leases to deposits | 94.5715% | 1,782 |
| Net loans and leases to core deposits | 113.1031% | 2,923 |
| Total domestic deposits to total assets | 80.3001% | 5,334 |
| Equity capital to assets | 8.5315% | 6,212 |
| Core capital (leverage) ratio | 8.2443% | 5,929 |
| Tier 1 risk-based capital ratio | 9.7412% | 7,201 |
| Total risk-based capital ratio | 10.7839% | 7,309 |
| Memoranda: | ||
| Average total assets | $860,896,500 | 798 |
| Average earning assets | $787,016,250 | 794 |
| Average equity | $71,001,500 | 935 |
| Average total loans | $660,740,500 | 728 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 4,779 |
| Cost of funding earning assets | 2.2716% | 2,485 |
| Net interest margin | 3.1995% | 5,917 |
| Noninterest income to average assets | 1.2161% | 1,049 |
| Noninterest expense to average assets | 2.7228% | 5,294 |
| Loan and lease loss provision to assets | 0.4834% | 3,109 |
| Net operating income to assets | 0.7187% | 3,173 |
| Return on assets (ROA) | 0.7187% | 3,279 |
| Pretax return on assets | 0.9409% | 3,207 |
| Return on Equity (ROE) | 8.8173% | 2,422 |
| Retained earnings to average equity (ytd only) | 5.1661% | 2,418 |
| Net charge-offs to loans | 0.4484% | 3,024 |
| Credit loss provision to net charge-offs | 140.5020% | 3,321 |
| Earnings coverage of net charge-offs (x) | 4.1398% | 3,204 |
| Efficiency ratio | 65.6554% | 5,607 |
| Assets per employee ($millions) | 7.5334% | 605 |
| Cash dividends to net income (ytd only)* | 41.4095% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 5,781 |
| Loan loss allowance to noncurrent loans | 75.5504% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 4,007 |
| Noncurrent loans to loans | 1.4172% | 4,377 |
| Net loans and leases to total assets | 76.7977% | 1,989 |
| Net loans and leases to deposits | 95.0127% | 1,952 |
| Net loans and leases to core deposits | 115.3822% | 2,773 |
| Total domestic deposits to total assets | 80.8289% | 5,137 |
| Equity capital to assets | 8.2447% | 6,423 |
| Core capital (leverage) ratio | 8.2271% | 5,932 |
| Tier 1 risk-based capital ratio | 9.4216% | 7,457 |
| Total risk-based capital ratio | 10.3776% | 7,635 |
| Memoranda: | ||
| Average total assets | $856,835,670 | 819 |
| Average earning assets | $784,924,330 | 816 |
| Average equity | $69,839,670 | 957 |
| Average total loans | $657,401,330 | 749 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 5,283 |
| Cost of funding earning assets | 2.3467% | 2,517 |
| Net interest margin | 3.0801% | 6,256 |
| Noninterest income to average assets | 1.1670% | 1,074 |
| Noninterest expense to average assets | 2.6131% | 5,401 |
| Loan and lease loss provision to assets | 0.1916% | 4,518 |
| Net operating income to assets | 0.9151% | 2,635 |
| Return on assets (ROA) | 0.9151% | 2,778 |
| Pretax return on assets | 1.1810% | 2,684 |
| Return on Equity (ROE) | 11.2924% | 1,888 |
| Retained earnings to average equity (ytd only) | 6.3902% | 2,465 |
| Net charge-offs to loans | 0.1832% | 3,535 |
| Credit loss provision to net charge-offs | 137.1237% | 2,959 |
| Earnings coverage of net charge-offs (x) | 9.8227% | 2,015 |
| Efficiency ratio | 65.5605% | 5,410 |
| Assets per employee ($millions) | 7.6541% | 585 |
| Cash dividends to net income (ytd only)* | 43.4116% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,099 |
| Loan loss allowance to noncurrent loans | 44.2965% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 2.1386% | 2,691 |
| Noncurrent loans to loans | 2.2842% | 2,878 |
| Net loans and leases to total assets | 75.9124% | 2,288 |
| Net loans and leases to deposits | 95.2446% | 2,073 |
| Net loans and leases to core deposits | 119.4085% | 2,468 |
| Total domestic deposits to total assets | 79.7026% | 5,467 |
| Equity capital to assets | 8.1740% | 6,565 |
| Core capital (leverage) ratio | 8.2314% | 6,034 |
| Tier 1 risk-based capital ratio | 9.4116% | 7,502 |
| Total risk-based capital ratio | 10.3103% | 7,776 |
| Memoranda: | ||
| Average total assets | $855,850,000 | 819 |
| Average earning assets | $783,220,500 | 819 |
| Average equity | $69,356,500 | 971 |
| Average total loans | $652,761,000 | 759 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1557% | 4,750 |
| Cost of funding earning assets | 2.9718% | 1,975 |
| Net interest margin | 3.1839% | 6,410 |
| Noninterest income to average assets | 1.3517% | 790 |
| Noninterest expense to average assets | 2.6364% | 5,505 |
| Loan and lease loss provision to assets | 0.4550% | 3,012 |
| Net operating income to assets | 0.8610% | 3,169 |
| Return on assets (ROA) | 0.6309% | 4,031 |
| Pretax return on assets | 0.8568% | 3,862 |
| Return on Equity (ROE) | 7.4765% | 3,293 |
| Retained earnings to average equity (ytd only) | 3.7433% | 2,806 |
| Net charge-offs to loans | 0.1880% | 4,312 |
| Credit loss provision to net charge-offs | 321.1488% | 1,406 |
| Earnings coverage of net charge-offs (x) | 11.4534% | 2,371 |
| Efficiency ratio | 61.9015% | 5,972 |
| Assets per employee ($millions) | 7.4951% | 565 |
| Cash dividends to net income (ytd only)* | 49.9316% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 5,946 |
| Loan loss allowance to noncurrent loans | 53.8354% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 1.6771% | 2,898 |
| Noncurrent loans to loans | 1.8747% | 2,947 |
| Net loans and leases to total assets | 75.0857% | 2,864 |
| Net loans and leases to deposits | 99.2754% | 1,948 |
| Net loans and leases to core deposits | 116.3861% | 3,080 |
| Total domestic deposits to total assets | 75.6338% | 6,319 |
| Equity capital to assets | 8.0334% | 6,799 |
| Core capital (leverage) ratio | 8.2501% | 6,057 |
| Tier 1 risk-based capital ratio | 9.4930% | 7,314 |
| Total risk-based capital ratio | 10.3989% | 7,634 |
| Memoranda: | ||
| Average total assets | $811,023,600 | 836 |
| Average earning assets | $740,567,600 | 824 |
| Average equity | $68,441,400 | 978 |
| Average total loans | $611,191,200 | 784 |