Home > First Business Bank > Performance and Condition Ratios
First Business Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4953% | 352 |
| Cost of funding earning assets | 2.6774% | 260 |
| Net interest margin | 3.8179% | 1,540 |
| Noninterest income to average assets | 0.9800% | 657 |
| Noninterest expense to average assets | 2.6544% | 1,861 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.2628% | 1,514 |
| Return on assets (ROA) | 1.2617% | 1,486 |
| Pretax return on assets | 1.5815% | 1,272 |
| Return on Equity (ROE) | 13.0900% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.2515% | 1,196 |
| Net charge-offs to loans | 0.0464% | 1,416 |
| Credit loss provision to net charge-offs | 632.1168% | 570 |
| Earnings coverage of net charge-offs (x) | 48.5823% | 1,314 |
| Efficiency ratio | 59.1478% | 3,171 |
| Assets per employee ($millions) | 10.5376% | 609 |
| Cash dividends to net income (ytd only)* | 29.3504% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 2,863 |
| Loan loss allowance to noncurrent loans | 151.8425% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 943 |
| Noncurrent loans to loans | 0.7215% | 1,081 |
| Net loans and leases to total assets | 80.4700% | 584 |
| Net loans and leases to deposits | 100.8707% | 490 |
| Net loans and leases to core deposits | 135.6950% | 323 |
| Total domestic deposits to total assets | 79.7700% | 3,498 |
| Equity capital to assets | 9.6851% | 2,212 |
| Core capital (leverage) ratio | 9.8693% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2083% | 2,782 |
| Memoranda: | ||
| Average total assets | $3,267,414,200 | 366 |
| Average earning assets | $3,001,065,400 | 360 |
| Average equity | $314,825,600 | 383 |
| Average total loans | $2,657,515,800 | 326 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3516% | 354 |
| Cost of funding earning assets | 2.5310% | 258 |
| Net interest margin | 3.8206% | 1,556 |
| Noninterest income to average assets | 1.0300% | 613 |
| Noninterest expense to average assets | 2.7168% | 1,611 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.2492% | 1,652 |
| Return on assets (ROA) | 1.2477% | 1,649 |
| Pretax return on assets | 1.5813% | 1,397 |
| Return on Equity (ROE) | 12.9700% | 1,903 |
| Retained earnings to average equity (ytd only) | 9.0355% | 1,677 |
| Net charge-offs to loans | 0.0318% | 1,442 |
| Credit loss provision to net charge-offs | 842.2830% | 448 |
| Earnings coverage of net charge-offs (x) | 70.2428% | 1,109 |
| Efficiency ratio | 59.9305% | 2,972 |
| Assets per employee ($millions) | 10.1168% | 636 |
| Cash dividends to net income (ytd only)* | 30.3222% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,068 |
| Loan loss allowance to noncurrent loans | 166.3887% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 1,131 |
| Noncurrent loans to loans | 0.6368% | 1,284 |
| Net loans and leases to total assets | 80.1000% | 630 |
| Net loans and leases to deposits | 103.0223% | 388 |
| Net loans and leases to core deposits | 138.7685% | 232 |
| Total domestic deposits to total assets | 77.7500% | 3,848 |
| Equity capital to assets | 9.6739% | 2,003 |
| Core capital (leverage) ratio | 10.1638% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2158% | 2,781 |
| Memoranda: | ||
| Average total assets | $3,207,010,000 | 377 |
| Average earning assets | $2,942,271,250 | 370 |
| Average equity | $308,568,500 | 386 |
| Average total loans | $2,608,181,750 | 331 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1963% | 350 |
| Cost of funding earning assets | 2.3566% | 245 |
| Net interest margin | 3.8398% | 1,542 |
| Noninterest income to average assets | 1.0200% | 549 |
| Noninterest expense to average assets | 2.7087% | 1,617 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.2355% | 1,732 |
| Return on assets (ROA) | 1.2332% | 1,734 |
| Pretax return on assets | 1.5969% | 1,420 |
| Return on Equity (ROE) | 12.8400% | 1,937 |
| Retained earnings to average equity (ytd only) | 8.7913% | 1,735 |
| Net charge-offs to loans | 0.0113% | 1,778 |
| Credit loss provision to net charge-offs | 2,461.8056% | 222 |
| Earnings coverage of net charge-offs (x) | 200.5486% | 607 |
| Efficiency ratio | 59.5271% | 3,018 |
| Assets per employee ($millions) | 9.8368% | 697 |
| Cash dividends to net income (ytd only)* | 31.5441% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,186 |
| Loan loss allowance to noncurrent loans | 178.8372% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 1,126 |
| Noncurrent loans to loans | 0.5873% | 1,278 |
| Net loans and leases to total assets | 81.1000% | 505 |
| Net loans and leases to deposits | 104.7206% | 346 |
| Net loans and leases to core deposits | 141.0075% | 207 |
| Total domestic deposits to total assets | 77.4500% | 3,900 |
| Equity capital to assets | 9.4351% | 2,208 |
| Core capital (leverage) ratio | 9.9332% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7312% | 2,881 |
| Memoranda: | ||
| Average total assets | $3,136,188,000 | 373 |
| Average earning assets | $2,879,925,000 | 364 |
| Average equity | $301,159,667 | 382 |
| Average total loans | $2,554,848,000 | 324 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9590% | 326 |
| Cost of funding earning assets | 2.1166% | 225 |
| Net interest margin | 3.8424% | 1,598 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 2.7606% | 1,528 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.3025% | 1,657 |
| Return on assets (ROA) | 1.3025% | 1,630 |
| Pretax return on assets | 1.6806% | 1,316 |
| Return on Equity (ROE) | 13.4400% | 1,895 |
| Retained earnings to average equity (ytd only) | 8.7358% | 2,017 |
| Net charge-offs to loans | 0.0095% | 1,591 |
| Credit loss provision to net charge-offs | 2,516.9492% | 164 |
| Earnings coverage of net charge-offs (x) | 245.1695% | 436 |
| Efficiency ratio | 59.4386% | 3,031 |
| Assets per employee ($millions) | 9.5872% | 779 |
| Cash dividends to net income (ytd only)* | 34.9965% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,394 |
| Loan loss allowance to noncurrent loans | 766.1196% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 2,770 |
| Noncurrent loans to loans | 0.1342% | 2,840 |
| Net loans and leases to total assets | 79.5200% | 583 |
| Net loans and leases to deposits | 101.5596% | 379 |
| Net loans and leases to core deposits | 132.2702% | 253 |
| Total domestic deposits to total assets | 78.3000% | 3,971 |
| Equity capital to assets | 9.5214% | 2,125 |
| Core capital (leverage) ratio | 10.1595% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0517% | 2,937 |
| Memoranda: | ||
| Average total assets | $3,071,368,000 | 390 |
| Average earning assets | $2,823,577,500 | 383 |
| Average equity | $297,672,000 | 396 |
| Average total loans | $2,493,884,000 | 340 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 516 |
| Cost of funding earning assets | 0.7999% | 382 |
| Net interest margin | 3.9004% | 954 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 2.8022% | 1,310 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 1.5577% | 766 |
| Return on assets (ROA) | 1.5577% | 729 |
| Pretax return on assets | 2.0147% | 467 |
| Return on Equity (ROE) | 15.7200% | 1,100 |
| Retained earnings to average equity (ytd only) | 14.9977% | 293 |
| Net charge-offs to loans | -0.1626% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.8957% | 3,069 |
| Assets per employee ($millions) | 9.1100% | 881 |
| Cash dividends to net income (ytd only)* | 4.5939% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 3,441 |
| Loan loss allowance to noncurrent loans | 662.2028% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 2,669 |
| Noncurrent loans to loans | 0.1496% | 2,755 |
| Net loans and leases to total assets | 81.2900% | 473 |
| Net loans and leases to deposits | 111.5051% | 138 |
| Net loans and leases to core deposits | 128.2538% | 249 |
| Total domestic deposits to total assets | 72.9000% | 4,398 |
| Equity capital to assets | 9.8729% | 1,771 |
| Core capital (leverage) ratio | 10.3399% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2176% | 2,938 |
| Memoranda: | ||
| Average total assets | $2,794,923,000 | 416 |
| Average earning assets | $2,582,218,400 | 404 |
| Average equity | $276,949,400 | 407 |
| Average total loans | $2,313,235,400 | 335 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 660 |
| Cost of funding earning assets | 0.5342% | 625 |
| Net interest margin | 3.8134% | 934 |
| Noninterest income to average assets | 1.1100% | 563 |
| Noninterest expense to average assets | 2.8098% | 1,231 |
| Loan and lease loss provision to assets | -0.2200% | 4,686 |
| Net operating income to assets | 1.5834% | 680 |
| Return on assets (ROA) | 1.5834% | 660 |
| Pretax return on assets | 2.0555% | 414 |
| Return on Equity (ROE) | 15.9600% | 988 |
| Retained earnings to average equity (ytd only) | 15.4748% | 323 |
| Net charge-offs to loans | -0.2559% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.5074% | 3,053 |
| Assets per employee ($millions) | 8.5031% | 1,063 |
| Cash dividends to net income (ytd only)* | 3.0632% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,322 |
| Loan loss allowance to noncurrent loans | 662.3594% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,712 |
| Noncurrent loans to loans | 0.1563% | 2,825 |
| Net loans and leases to total assets | 81.0000% | 447 |
| Net loans and leases to deposits | 110.3286% | 123 |
| Net loans and leases to core deposits | 122.5388% | 220 |
| Total domestic deposits to total assets | 73.4200% | 4,466 |
| Equity capital to assets | 9.9202% | 1,662 |
| Core capital (leverage) ratio | 10.4162% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4928% | 2,950 |
| Memoranda: | ||
| Average total assets | $2,748,914,750 | 420 |
| Average earning assets | $2,547,022,500 | 408 |
| Average equity | $272,659,500 | 414 |
| Average total loans | $2,280,118,500 | 335 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 848 |
| Cost of funding earning assets | 0.3734% | 1,089 |
| Net interest margin | 3.6822% | 940 |
| Noninterest income to average assets | 1.0705% | 584 |
| Noninterest expense to average assets | 2.8089% | 1,161 |
| Loan and lease loss provision to assets | -0.3374% | 4,732 |
| Net operating income to assets | 1.5626% | 603 |
| Return on assets (ROA) | 1.5626% | 587 |
| Pretax return on assets | 2.0270% | 360 |
| Return on Equity (ROE) | 15.7549% | 745 |
| Retained earnings to average equity (ytd only) | 15.0123% | 262 |
| Net charge-offs to loans | -0.3844% | 4,673 |
| Credit loss provision to net charge-offs | 105.3333% | 1,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4423% | 2,990 |
| Assets per employee ($millions) | 8.3338% | 1,142 |
| Cash dividends to net income (ytd only)* | 4.7130% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,362 |
| Loan loss allowance to noncurrent loans | 431.5846% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 2,319 |
| Noncurrent loans to loans | 0.2436% | 2,509 |
| Net loans and leases to total assets | 81.7344% | 299 |
| Net loans and leases to deposits | 120.8805% | 43 |
| Net loans and leases to core deposits | 123.3387% | 162 |
| Total domestic deposits to total assets | 67.6159% | 4,642 |
| Equity capital to assets | 9.9373% | 1,744 |
| Core capital (leverage) ratio | 10.1517% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2480% | 2,977 |
| Memoranda: | ||
| Average total assets | $2,715,703,333 | 420 |
| Average earning assets | $2,528,162,667 | 413 |
| Average equity | $269,351,667 | 420 |
| Average total loans | $2,263,000,333 | 330 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 1,000 |
| Cost of funding earning assets | 0.3008% | 1,652 |
| Net interest margin | 3.5477% | 987 |
| Noninterest income to average assets | 1.1242% | 536 |
| Noninterest expense to average assets | 2.8106% | 1,139 |
| Loan and lease loss provision to assets | -0.1273% | 4,624 |
| Net operating income to assets | 1.3966% | 807 |
| Return on assets (ROA) | 1.3966% | 801 |
| Pretax return on assets | 1.7680% | 585 |
| Return on Equity (ROE) | 14.0949% | 818 |
| Retained earnings to average equity (ytd only) | 12.5919% | 514 |
| Net charge-offs to loans | -0.0334% | 4,127 |
| Credit loss provision to net charge-offs | 454.7872% | 548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1415% | 3,128 |
| Assets per employee ($millions) | 8.6949% | 1,024 |
| Cash dividends to net income (ytd only)* | 10.6633% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,532 |
| Loan loss allowance to noncurrent loans | 421.3815% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 2,394 |
| Noncurrent loans to loans | 0.2492% | 2,595 |
| Net loans and leases to total assets | 81.9397% | 167 |
| Net loans and leases to deposits | 109.1774% | 75 |
| Net loans and leases to core deposits | 110.9678% | 239 |
| Total domestic deposits to total assets | 75.0519% | 4,536 |
| Equity capital to assets | 9.8214% | 2,037 |
| Core capital (leverage) ratio | 9.9490% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0745% | 3,043 |
| Memoranda: | ||
| Average total assets | $2,685,979,500 | 428 |
| Average earning assets | $2,518,910,000 | 419 |
| Average equity | $266,139,500 | 430 |
| Average total loans | $2,248,322,500 | 334 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8718% | 1,696 |
| Cost of funding earning assets | 0.3547% | 1,899 |
| Net interest margin | 3.5171% | 1,682 |
| Noninterest income to average assets | 1.0498% | 919 |
| Noninterest expense to average assets | 2.5636% | 1,977 |
| Loan and lease loss provision to assets | -0.2187% | 4,724 |
| Net operating income to assets | 1.5107% | 985 |
| Return on assets (ROA) | 1.5116% | 1,025 |
| Pretax return on assets | 1.9924% | 609 |
| Return on Equity (ROE) | 16.1154% | 737 |
| Retained earnings to average equity (ytd only) | 12.7000% | 438 |
| Net charge-offs to loans | -0.0741% | 4,481 |
| Credit loss provision to net charge-offs | 358.6527% | 976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0996% | 3,284 |
| Assets per employee ($millions) | 8.7186% | 1,005 |
| Cash dividends to net income (ytd only)* | 21.1933% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 3,415 |
| Loan loss allowance to noncurrent loans | 382.7619% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 2,358 |
| Noncurrent loans to loans | 0.2835% | 2,583 |
| Net loans and leases to total assets | 83.7082% | 117 |
| Net loans and leases to deposits | 113.2914% | 63 |
| Net loans and leases to core deposits | 115.4932% | 209 |
| Total domestic deposits to total assets | 73.8875% | 4,588 |
| Equity capital to assets | 9.9979% | 2,659 |
| Core capital (leverage) ratio | 9.8145% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7791% | 3,064 |
| Memoranda: | ||
| Average total assets | $2,653,352,600 | 418 |
| Average earning assets | $2,479,343,400 | 409 |
| Average equity | $248,873,600 | 450 |
| Average total loans | $2,183,572,200 | 342 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 1,764 |
| Cost of funding earning assets | 0.3651% | 1,979 |
| Net interest margin | 3.5343% | 1,774 |
| Noninterest income to average assets | 1.0230% | 1,031 |
| Noninterest expense to average assets | 2.5844% | 1,889 |
| Loan and lease loss provision to assets | -0.2659% | 4,811 |
| Net operating income to assets | 1.5263% | 1,207 |
| Return on assets (ROA) | 1.5275% | 1,248 |
| Pretax return on assets | 2.0035% | 797 |
| Return on Equity (ROE) | 16.5575% | 839 |
| Retained earnings to average equity (ytd only) | 12.4734% | 729 |
| Net charge-offs to loans | -0.0891% | 4,569 |
| Credit loss provision to net charge-offs | 365.3554% | 913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7914% | 3,011 |
| Assets per employee ($millions) | 8.4100% | 1,084 |
| Cash dividends to net income (ytd only)* | 24.6662% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,172 |
| Loan loss allowance to noncurrent loans | 331.9790% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 2,332 |
| Noncurrent loans to loans | 0.3491% | 2,528 |
| Net loans and leases to total assets | 81.5007% | 218 |
| Net loans and leases to deposits | 110.3880% | 93 |
| Net loans and leases to core deposits | 115.9979% | 226 |
| Total domestic deposits to total assets | 73.8312% | 4,645 |
| Equity capital to assets | 9.9139% | 2,988 |
| Core capital (leverage) ratio | 9.5000% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0200% | 3,089 |
| Memoranda: | ||
| Average total assets | $2,654,078,500 | 419 |
| Average earning assets | $2,476,308,750 | 409 |
| Average equity | $244,845,000 | 457 |
| Average total loans | $2,168,720,750 | 345 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 1,885 |
| Cost of funding earning assets | 0.3702% | 2,136 |
| Net interest margin | 3.5046% | 1,847 |
| Noninterest income to average assets | 1.0008% | 1,070 |
| Noninterest expense to average assets | 2.5103% | 2,110 |
| Loan and lease loss provision to assets | -0.2260% | 4,783 |
| Net operating income to assets | 1.5133% | 1,258 |
| Return on assets (ROA) | 1.5150% | 1,315 |
| Pretax return on assets | 1.9881% | 858 |
| Return on Equity (ROE) | 16.8260% | 810 |
| Retained earnings to average equity (ytd only) | 13.0937% | 699 |
| Net charge-offs to loans | -0.0165% | 3,904 |
| Credit loss provision to net charge-offs | 1,681.1111% | 327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7597% | 3,180 |
| Assets per employee ($millions) | 8.9681% | 868 |
| Cash dividends to net income (ytd only)* | 22.1817% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,965 |
| Loan loss allowance to noncurrent loans | 224.7855% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 2,005 |
| Noncurrent loans to loans | 0.5313% | 2,078 |
| Net loans and leases to total assets | 74.2424% | 729 |
| Net loans and leases to deposits | 98.1874% | 307 |
| Net loans and leases to core deposits | 105.8255% | 473 |
| Total domestic deposits to total assets | 75.6129% | 4,582 |
| Equity capital to assets | 8.7109% | 4,037 |
| Core capital (leverage) ratio | 9.1797% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9855% | 3,080 |
| Memoranda: | ||
| Average total assets | $2,678,152,000 | 409 |
| Average earning assets | $2,498,520,333 | 402 |
| Average equity | $241,138,667 | 460 |
| Average total loans | $2,181,991,333 | 342 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 1,686 |
| Cost of funding earning assets | 0.3845% | 2,221 |
| Net interest margin | 3.5727% | 1,655 |
| Noninterest income to average assets | 1.1011% | 982 |
| Noninterest expense to average assets | 2.5500% | 2,027 |
| Loan and lease loss provision to assets | -0.3198% | 4,866 |
| Net operating income to assets | 1.6686% | 991 |
| Return on assets (ROA) | 1.6686% | 1,043 |
| Pretax return on assets | 2.1945% | 696 |
| Return on Equity (ROE) | 18.2045% | 703 |
| Retained earnings to average equity (ytd only) | 14.8305% | 645 |
| Net charge-offs to loans | -0.4602% | 4,885 |
| Credit loss provision to net charge-offs | 81.7715% | 1,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6027% | 3,361 |
| Assets per employee ($millions) | 8.8117% | 888 |
| Cash dividends to net income (ytd only)* | 18.5340% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,475 |
| Loan loss allowance to noncurrent loans | 152.6011% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 1,281 |
| Noncurrent loans to loans | 0.8472% | 1,583 |
| Net loans and leases to total assets | 84.5489% | 128 |
| Net loans and leases to deposits | 116.2604% | 89 |
| Net loans and leases to core deposits | 128.2070% | 163 |
| Total domestic deposits to total assets | 72.7238% | 4,705 |
| Equity capital to assets | 9.2314% | 3,469 |
| Core capital (leverage) ratio | 9.0779% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2411% | 3,045 |
| Memoranda: | ||
| Average total assets | $2,586,815,500 | 418 |
| Average earning assets | $2,406,449,500 | 412 |
| Average equity | $237,106,500 | 459 |
| Average total loans | $2,198,177,000 | 341 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 1,914 |
| Cost of funding earning assets | 0.6626% | 1,916 |
| Net interest margin | 3.6213% | 2,067 |
| Noninterest income to average assets | 1.1104% | 864 |
| Noninterest expense to average assets | 2.7451% | 2,100 |
| Loan and lease loss provision to assets | 0.7081% | 222 |
| Net operating income to assets | 0.8968% | 2,715 |
| Return on assets (ROA) | 0.8967% | 2,847 |
| Pretax return on assets | 1.0110% | 3,010 |
| Return on Equity (ROE) | 9.4633% | 2,214 |
| Retained earnings to average equity (ytd only) | 4.1276% | 2,747 |
| Net charge-offs to loans | 0.3951% | 437 |
| Credit loss provision to net charge-offs | 215.2940% | 2,089 |
| Earnings coverage of net charge-offs (x) | 5.2274% | 2,884 |
| Efficiency ratio | 61.4550% | 3,229 |
| Assets per employee ($millions) | 13.0437% | 260 |
| Cash dividends to net income (ytd only)* | 56.3830% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 2,293 |
| Loan loss allowance to noncurrent loans | 107.1533% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 903 |
| Noncurrent loans to loans | 1.2353% | 1,125 |
| Net loans and leases to total assets | 83.1643% | 222 |
| Net loans and leases to deposits | 114.3769% | 115 |
| Net loans and leases to core deposits | 128.1658% | 215 |
| Total domestic deposits to total assets | 72.7107% | 4,687 |
| Equity capital to assets | 9.0989% | 3,974 |
| Core capital (leverage) ratio | 8.6715% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9746% | 3,081 |
| Memoranda: | ||
| Average total assets | $2,373,586,200 | 414 |
| Average earning assets | $2,198,406,400 | 406 |
| Average equity | $224,900,200 | 461 |
| Average total loans | $1,976,024,000 | 357 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,312 |
| Cost of funding earning assets | 0.7385% | 1,810 |
| Net interest margin | 3.4899% | 2,617 |
| Noninterest income to average assets | 1.1242% | 829 |
| Noninterest expense to average assets | 2.7777% | 2,027 |
| Loan and lease loss provision to assets | 0.7152% | 290 |
| Net operating income to assets | 0.8024% | 3,080 |
| Return on assets (ROA) | 0.8022% | 3,196 |
| Pretax return on assets | 0.8650% | 3,478 |
| Return on Equity (ROE) | 8.3752% | 2,658 |
| Retained earnings to average equity (ytd only) | 2.0965% | 3,896 |
| Net charge-offs to loans | 0.0822% | 1,483 |
| Credit loss provision to net charge-offs | 1,049.3277% | 802 |
| Earnings coverage of net charge-offs (x) | 23.1874% | 1,809 |
| Efficiency ratio | 63.7004% | 2,787 |
| Assets per employee ($millions) | 13.1387% | 246 |
| Cash dividends to net income (ytd only)* | 74.9679% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 1,700 |
| Loan loss allowance to noncurrent loans | 85.4840% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.4152% | 633 |
| Noncurrent loans to loans | 1.6496% | 842 |
| Net loans and leases to total assets | 83.2405% | 341 |
| Net loans and leases to deposits | 118.1789% | 129 |
| Net loans and leases to core deposits | 132.2769% | 218 |
| Total domestic deposits to total assets | 70.4360% | 4,742 |
| Equity capital to assets | 8.7466% | 4,294 |
| Core capital (leverage) ratio | 8.7157% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1125% | 3,080 |
| Memoranda: | ||
| Average total assets | $2,327,842,750 | 411 |
| Average earning assets | $2,157,059,250 | 406 |
| Average equity | $222,970,250 | 455 |
| Average total loans | $1,931,363,500 | 359 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 2,116 |
| Cost of funding earning assets | 0.8581% | 1,557 |
| Net interest margin | 3.5762% | 2,558 |
| Noninterest income to average assets | 1.0897% | 839 |
| Noninterest expense to average assets | 2.9516% | 1,713 |
| Loan and lease loss provision to assets | 0.7721% | 322 |
| Net operating income to assets | 0.7343% | 3,268 |
| Return on assets (ROA) | 0.7340% | 3,382 |
| Pretax return on assets | 0.6859% | 3,899 |
| Return on Equity (ROE) | 7.4147% | 2,962 |
| Retained earnings to average equity (ytd only) | -0.2488% | 4,355 |
| Net charge-offs to loans | 0.0767% | 1,482 |
| Credit loss provision to net charge-offs | 1,222.0339% | 695 |
| Earnings coverage of net charge-offs (x) | 23.0819% | 1,610 |
| Efficiency ratio | 66.8926% | 2,396 |
| Assets per employee ($millions) | 13.3469% | 233 |
| Cash dividends to net income (ytd only)* | 103.3560% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 1,886 |
| Loan loss allowance to noncurrent loans | 113.9822% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 1,146 |
| Noncurrent loans to loans | 1.1637% | 1,351 |
| Net loans and leases to total assets | 83.1928% | 319 |
| Net loans and leases to deposits | 119.2542% | 101 |
| Net loans and leases to core deposits | 129.7445% | 261 |
| Total domestic deposits to total assets | 69.7609% | 4,794 |
| Equity capital to assets | 9.0547% | 4,038 |
| Core capital (leverage) ratio | 8.9585% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6006% | 3,067 |
| Memoranda: | ||
| Average total assets | $2,241,016,667 | 418 |
| Average earning assets | $2,080,684,667 | 409 |
| Average equity | $221,830,333 | 457 |
| Average total loans | $1,846,701,667 | 366 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 1,680 |
| Cost of funding earning assets | 1.1463% | 920 |
| Net interest margin | 3.5638% | 2,785 |
| Noninterest income to average assets | 1.1781% | 630 |
| Noninterest expense to average assets | 2.9036% | 2,114 |
| Loan and lease loss provision to assets | 0.5965% | 469 |
| Net operating income to assets | 0.7796% | 2,979 |
| Return on assets (ROA) | 0.7790% | 3,063 |
| Pretax return on assets | 0.9925% | 2,866 |
| Return on Equity (ROE) | 7.5013% | 2,730 |
| Retained earnings to average equity (ytd only) | -3.3309% | 4,388 |
| Net charge-offs to loans | -0.0106% | 4,099 |
| Credit loss provision to net charge-offs | -6,917.3913% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5819% | 3,133 |
| Assets per employee ($millions) | 12.0628% | 234 |
| Cash dividends to net income (ytd only)* | 144.4043% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,156 |
| Loan loss allowance to noncurrent loans | 81.5428% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 850 |
| Noncurrent loans to loans | 1.5944% | 984 |
| Net loans and leases to total assets | 79.0971% | 810 |
| Net loans and leases to deposits | 115.0579% | 121 |
| Net loans and leases to core deposits | 130.1897% | 266 |
| Total domestic deposits to total assets | 68.7455% | 4,900 |
| Equity capital to assets | 10.1248% | 3,672 |
| Core capital (leverage) ratio | 10.0891% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4117% | 3,245 |
| Memoranda: | ||
| Average total assets | $2,133,611,000 | 421 |
| Average earning assets | $1,984,829,000 | 416 |
| Average equity | $221,562,000 | 458 |
| Average total loans | $1,734,785,000 | 375 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3598% | 729 |
| Cost of funding earning assets | 1.5355% | 359 |
| Net interest margin | 3.8243% | 2,424 |
| Noninterest income to average assets | 1.1321% | 729 |
| Noninterest expense to average assets | 3.0811% | 1,808 |
| Loan and lease loss provision to assets | 0.1025% | 2,016 |
| Net operating income to assets | 1.3872% | 1,384 |
| Return on assets (ROA) | 1.3852% | 1,475 |
| Pretax return on assets | 1.5245% | 1,732 |
| Return on Equity (ROE) | 13.1236% | 1,133 |
| Retained earnings to average equity (ytd only) | 6.6044% | 1,561 |
| Net charge-offs to loans | 0.1769% | 1,142 |
| Credit loss provision to net charge-offs | 69.7324% | 2,916 |
| Earnings coverage of net charge-offs (x) | 11.0870% | 2,520 |
| Efficiency ratio | 65.3694% | 2,863 |
| Assets per employee ($millions) | 11.2641% | 275 |
| Cash dividends to net income (ytd only)* | 49.6753% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 2,765 |
| Loan loss allowance to noncurrent loans | 94.6975% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 1,073 |
| Noncurrent loans to loans | 1.1985% | 1,260 |
| Net loans and leases to total assets | 81.5950% | 599 |
| Net loans and leases to deposits | 111.0173% | 171 |
| Net loans and leases to core deposits | 115.6591% | 615 |
| Total domestic deposits to total assets | 73.4975% | 4,793 |
| Equity capital to assets | 10.6563% | 3,302 |
| Core capital (leverage) ratio | 10.1812% | 3,321 |
| Tier 1 risk-based capital ratio | 10.7381% | 4,951 |
| Total risk-based capital ratio | 11.7934% | 4,929 |
| Memoranda: | ||
| Average total assets | $2,034,645,400 | 417 |
| Average earning assets | $1,903,755,000 | 408 |
| Average equity | $214,749,800 | 451 |
| Average total loans | $1,690,649,600 | 373 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3901% | 713 |
| Cost of funding earning assets | 1.6031% | 293 |
| Net interest margin | 3.7870% | 2,638 |
| Noninterest income to average assets | 1.0448% | 848 |
| Noninterest expense to average assets | 3.1152% | 1,681 |
| Loan and lease loss provision to assets | 0.0404% | 3,099 |
| Net operating income to assets | 1.3809% | 1,527 |
| Return on assets (ROA) | 1.3805% | 1,599 |
| Pretax return on assets | 1.4290% | 2,194 |
| Return on Equity (ROE) | 13.1125% | 1,236 |
| Retained earnings to average equity (ytd only) | 7.1636% | 1,780 |
| Net charge-offs to loans | 0.0687% | 1,846 |
| Credit loss provision to net charge-offs | 70.6221% | 2,610 |
| Earnings coverage of net charge-offs (x) | 25.6833% | 1,766 |
| Efficiency ratio | 67.8995% | 2,438 |
| Assets per employee ($millions) | 11.5569% | 238 |
| Cash dividends to net income (ytd only)* | 45.3677% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 2,660 |
| Loan loss allowance to noncurrent loans | 88.5076% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.2297% | 1,016 |
| Noncurrent loans to loans | 1.3222% | 1,166 |
| Net loans and leases to total assets | 81.8870% | 580 |
| Net loans and leases to deposits | 112.8746% | 161 |
| Net loans and leases to core deposits | 136.1842% | 228 |
| Total domestic deposits to total assets | 72.5469% | 4,893 |
| Equity capital to assets | 10.5182% | 3,529 |
| Core capital (leverage) ratio | 10.1003% | 3,534 |
| Tier 1 risk-based capital ratio | 10.5839% | 5,051 |
| Total risk-based capital ratio | 11.6867% | 5,022 |
| Memoranda: | ||
| Average total assets | $2,022,343,750 | 422 |
| Average earning assets | $1,890,494,250 | 414 |
| Average equity | $212,921,750 | 456 |
| Average total loans | $1,683,352,250 | 378 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 650 |
| Cost of funding earning assets | 1.6003% | 266 |
| Net interest margin | 3.8264% | 2,494 |
| Noninterest income to average assets | 1.0387% | 804 |
| Noninterest expense to average assets | 3.3377% | 1,214 |
| Loan and lease loss provision to assets | -0.0735% | 5,198 |
| Net operating income to assets | 1.4735% | 1,220 |
| Return on assets (ROA) | 1.4734% | 1,275 |
| Pretax return on assets | 1.3640% | 2,325 |
| Return on Equity (ROE) | 13.9893% | 984 |
| Retained earnings to average equity (ytd only) | 7.3530% | 1,672 |
| Net charge-offs to loans | -0.0156% | 4,466 |
| Credit loss provision to net charge-offs | 566.1538% | 549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0693% | 1,911 |
| Assets per employee ($millions) | 11.8956% | 212 |
| Cash dividends to net income (ytd only)* | 47.4383% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 2,795 |
| Loan loss allowance to noncurrent loans | 76.6248% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3807% | 874 |
| Noncurrent loans to loans | 1.4996% | 1,032 |
| Net loans and leases to total assets | 82.8470% | 495 |
| Net loans and leases to deposits | 111.3115% | 195 |
| Net loans and leases to core deposits | 138.8531% | 205 |
| Total domestic deposits to total assets | 74.4280% | 4,803 |
| Equity capital to assets | 10.4709% | 3,539 |
| Core capital (leverage) ratio | 10.2568% | 3,328 |
| Tier 1 risk-based capital ratio | 10.5063% | 5,104 |
| Total risk-based capital ratio | 11.6256% | 5,068 |
| Memoranda: | ||
| Average total assets | $2,003,046,670 | 429 |
| Average earning assets | $1,879,094,670 | 417 |
| Average equity | $210,961,330 | 457 |
| Average total loans | $1,669,932,330 | 384 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5298% | 498 |
| Cost of funding earning assets | 1.5620% | 258 |
| Net interest margin | 3.9679% | 1,956 |
| Noninterest income to average assets | 0.9389% | 947 |
| Noninterest expense to average assets | 3.4165% | 1,089 |
| Loan and lease loss provision to assets | 0.0099% | 3,304 |
| Net operating income to assets | 1.4254% | 1,305 |
| Return on assets (ROA) | 1.4254% | 1,334 |
| Pretax return on assets | 1.2430% | 2,655 |
| Return on Equity (ROE) | 13.4931% | 1,086 |
| Retained earnings to average equity (ytd only) | 6.7849% | 2,119 |
| Net charge-offs to loans | 0.0061% | 2,482 |
| Credit loss provision to net charge-offs | 196.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 247.5200% | 324 |
| Efficiency ratio | 73.1246% | 1,862 |
| Assets per employee ($millions) | 11.4529% | 233 |
| Cash dividends to net income (ytd only)* | 49.7159% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,425 |
| Loan loss allowance to noncurrent loans | 86.8692% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 992 |
| Noncurrent loans to loans | 1.4163% | 1,144 |
| Net loans and leases to total assets | 82.3787% | 541 |
| Net loans and leases to deposits | 109.1926% | 237 |
| Net loans and leases to core deposits | 139.4693% | 194 |
| Total domestic deposits to total assets | 75.4435% | 4,820 |
| Equity capital to assets | 10.5751% | 3,279 |
| Core capital (leverage) ratio | 10.2837% | 3,294 |
| Tier 1 risk-based capital ratio | 10.5765% | 5,157 |
| Total risk-based capital ratio | 11.8253% | 5,056 |
| Memoranda: | ||
| Average total assets | $1,975,599,000 | 431 |
| Average earning assets | $1,857,413,000 | 422 |
| Average equity | $208,699,500 | 458 |
| Average total loans | $1,642,517,500 | 391 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 752 |
| Cost of funding earning assets | 1.2006% | 345 |
| Net interest margin | 3.9613% | 2,123 |
| Noninterest income to average assets | 0.9759% | 992 |
| Noninterest expense to average assets | 3.1916% | 1,573 |
| Loan and lease loss provision to assets | 0.2923% | 556 |
| Net operating income to assets | 1.0697% | 2,720 |
| Return on assets (ROA) | 1.0696% | 2,703 |
| Pretax return on assets | 1.2201% | 2,812 |
| Return on Equity (ROE) | 9.9965% | 2,518 |
| Retained earnings to average equity (ytd only) | 5.0217% | 2,755 |
| Net charge-offs to loans | 0.2425% | 798 |
| Credit loss provision to net charge-offs | 143.3943% | 1,895 |
| Earnings coverage of net charge-offs (x) | 7.4201% | 2,998 |
| Efficiency ratio | 67.7914% | 2,582 |
| Assets per employee ($millions) | 11.5881% | 225 |
| Cash dividends to net income (ytd only)* | 49.7661% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,257 |
| Loan loss allowance to noncurrent loans | 80.7280% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.4220% | 842 |
| Noncurrent loans to loans | 1.5590% | 953 |
| Net loans and leases to total assets | 81.8280% | 676 |
| Net loans and leases to deposits | 109.8448% | 257 |
| Net loans and leases to core deposits | 142.3610% | 176 |
| Total domestic deposits to total assets | 74.4942% | 4,915 |
| Equity capital to assets | 10.5524% | 3,129 |
| Core capital (leverage) ratio | 10.1987% | 3,357 |
| Tier 1 risk-based capital ratio | 10.2749% | 5,248 |
| Total risk-based capital ratio | 11.4938% | 5,178 |
| Memoranda: | ||
| Average total assets | $1,878,729,400 | 439 |
| Average earning assets | $1,768,225,200 | 424 |
| Average equity | $201,009,600 | 444 |
| Average total loans | $1,579,379,800 | 388 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 783 |
| Cost of funding earning assets | 1.1049% | 391 |
| Net interest margin | 3.9815% | 2,007 |
| Noninterest income to average assets | 0.9949% | 970 |
| Noninterest expense to average assets | 3.0426% | 1,893 |
| Loan and lease loss provision to assets | 0.3234% | 437 |
| Net operating income to assets | 1.0898% | 2,710 |
| Return on assets (ROA) | 1.0898% | 2,723 |
| Pretax return on assets | 1.3770% | 2,313 |
| Return on Equity (ROE) | 10.1488% | 2,554 |
| Retained earnings to average equity (ytd only) | 5.1389% | 3,167 |
| Net charge-offs to loans | 0.2394% | 714 |
| Credit loss provision to net charge-offs | 160.0852% | 1,627 |
| Earnings coverage of net charge-offs (x) | 8.4183% | 2,712 |
| Efficiency ratio | 64.0947% | 3,168 |
| Assets per employee ($millions) | 11.2260% | 233 |
| Cash dividends to net income (ytd only)* | 49.3648% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,215 |
| Loan loss allowance to noncurrent loans | 66.8202% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.7002% | 722 |
| Noncurrent loans to loans | 1.9093% | 790 |
| Net loans and leases to total assets | 83.9281% | 464 |
| Net loans and leases to deposits | 112.2546% | 229 |
| Net loans and leases to core deposits | 150.9453% | 128 |
| Total domestic deposits to total assets | 74.7659% | 4,911 |
| Equity capital to assets | 10.8053% | 2,840 |
| Core capital (leverage) ratio | 10.2377% | 3,360 |
| Tier 1 risk-based capital ratio | 10.4502% | 5,253 |
| Total risk-based capital ratio | 11.6963% | 5,171 |
| Memoranda: | ||
| Average total assets | $1,858,812,500 | 437 |
| Average earning assets | $1,749,823,250 | 425 |
| Average equity | $199,597,500 | 447 |
| Average total loans | $1,568,489,250 | 387 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 887 |
| Cost of funding earning assets | 1.0009% | 468 |
| Net interest margin | 3.9622% | 1,992 |
| Noninterest income to average assets | 0.9677% | 1,018 |
| Noninterest expense to average assets | 2.9815% | 2,089 |
| Loan and lease loss provision to assets | 0.5464% | 198 |
| Net operating income to assets | 0.9382% | 3,285 |
| Return on assets (ROA) | 0.9382% | 3,291 |
| Pretax return on assets | 1.1678% | 3,058 |
| Return on Equity (ROE) | 8.7557% | 3,146 |
| Retained earnings to average equity (ytd only) | 3.7104% | 3,745 |
| Net charge-offs to loans | 0.3706% | 427 |
| Credit loss provision to net charge-offs | 175.1820% | 1,424 |
| Earnings coverage of net charge-offs (x) | 5.4957% | 2,704 |
| Efficiency ratio | 63.4377% | 3,395 |
| Assets per employee ($millions) | 11.8950% | 196 |
| Cash dividends to net income (ytd only)* | 57.6236% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 2,128 |
| Loan loss allowance to noncurrent loans | 67.3249% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.7224% | 706 |
| Noncurrent loans to loans | 1.9433% | 786 |
| Net loans and leases to total assets | 83.4872% | 524 |
| Net loans and leases to deposits | 117.8719% | 130 |
| Net loans and leases to core deposits | 151.0155% | 113 |
| Total domestic deposits to total assets | 70.8288% | 5,241 |
| Equity capital to assets | 10.5652% | 3,057 |
| Core capital (leverage) ratio | 10.1503% | 3,417 |
| Tier 1 risk-based capital ratio | 10.2533% | 5,354 |
| Total risk-based capital ratio | 11.5034% | 5,277 |
| Memoranda: | ||
| Average total assets | $1,849,758,000 | 437 |
| Average earning assets | $1,740,430,000 | 429 |
| Average equity | $198,201,330 | 449 |
| Average total loans | $1,556,879,330 | 388 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 1,043 |
| Cost of funding earning assets | 0.8943% | 611 |
| Net interest margin | 3.9227% | 1,952 |
| Noninterest income to average assets | 1.0668% | 809 |
| Noninterest expense to average assets | 2.9131% | 2,314 |
| Loan and lease loss provision to assets | 0.5415% | 194 |
| Net operating income to assets | 1.0161% | 2,796 |
| Return on assets (ROA) | 1.0161% | 2,816 |
| Pretax return on assets | 1.3028% | 2,356 |
| Return on Equity (ROE) | 9.4148% | 2,713 |
| Retained earnings to average equity (ytd only) | 4.3487% | 3,444 |
| Net charge-offs to loans | 0.6776% | 224 |
| Credit loss provision to net charge-offs | 95.1942% | 1,632 |
| Earnings coverage of net charge-offs (x) | 3.2422% | 2,403 |
| Efficiency ratio | 61.1778% | 3,918 |
| Assets per employee ($millions) | 12.1425% | 191 |
| Cash dividends to net income (ytd only)* | 53.8097% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,872 |
| Loan loss allowance to noncurrent loans | 93.0504% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.1505% | 1,336 |
| Noncurrent loans to loans | 1.2783% | 1,404 |
| Net loans and leases to total assets | 82.7983% | 557 |
| Net loans and leases to deposits | 112.7893% | 194 |
| Net loans and leases to core deposits | 186.6165% | 42 |
| Total domestic deposits to total assets | 73.4097% | 5,203 |
| Equity capital to assets | 10.6040% | 2,966 |
| Core capital (leverage) ratio | 10.1949% | 3,311 |
| Tier 1 risk-based capital ratio | 10.2938% | 5,415 |
| Total risk-based capital ratio | 11.4495% | 5,374 |
| Memoranda: | ||
| Average total assets | $1,828,985,000 | 446 |
| Average earning assets | $1,720,753,500 | 436 |
| Average equity | $197,392,000 | 456 |
| Average total loans | $1,535,354,500 | 394 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 1,732 |
| Cost of funding earning assets | 0.7383% | 857 |
| Net interest margin | 3.7539% | 2,583 |
| Noninterest income to average assets | 0.9641% | 1,104 |
| Noninterest expense to average assets | 3.0502% | 2,010 |
| Loan and lease loss provision to assets | 0.3443% | 464 |
| Net operating income to assets | 0.8590% | 2,918 |
| Return on assets (ROA) | 0.8415% | 3,020 |
| Pretax return on assets | 1.0809% | 3,262 |
| Return on Equity (ROE) | 7.6747% | 2,970 |
| Retained earnings to average equity (ytd only) | 0.2981% | 4,908 |
| Net charge-offs to loans | 0.5646% | 409 |
| Credit loss provision to net charge-offs | 74.1738% | 3,028 |
| Earnings coverage of net charge-offs (x) | 3.1190% | 3,651 |
| Efficiency ratio | 67.7477% | 2,942 |
| Assets per employee ($millions) | 11.9202% | 190 |
| Cash dividends to net income (ytd only)* | 96.1156% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,487 |
| Loan loss allowance to noncurrent loans | 71.1016% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.5357% | 880 |
| Noncurrent loans to loans | 1.7548% | 917 |
| Net loans and leases to total assets | 83.0539% | 554 |
| Net loans and leases to deposits | 106.3865% | 387 |
| Net loans and leases to core deposits | 165.2739% | 73 |
| Total domestic deposits to total assets | 78.0681% | 4,706 |
| Equity capital to assets | 10.9895% | 2,632 |
| Core capital (leverage) ratio | 10.5568% | 2,780 |
| Tier 1 risk-based capital ratio | 10.4458% | 5,386 |
| Total risk-based capital ratio | 11.6571% | 5,315 |
| Memoranda: | ||
| Average total assets | $1,792,775,600 | 443 |
| Average earning assets | $1,687,639,600 | 432 |
| Average equity | $196,568,600 | 444 |
| Average total loans | $1,473,770,000 | 395 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 1,801 |
| Cost of funding earning assets | 0.7098% | 921 |
| Net interest margin | 3.7364% | 2,633 |
| Noninterest income to average assets | 0.9802% | 1,066 |
| Noninterest expense to average assets | 2.9673% | 2,198 |
| Loan and lease loss provision to assets | 0.4236% | 315 |
| Net operating income to assets | 0.7771% | 3,611 |
| Return on assets (ROA) | 0.7774% | 3,661 |
| Pretax return on assets | 1.1065% | 3,278 |
| Return on Equity (ROE) | 7.0942% | 3,607 |
| Retained earnings to average equity (ytd only) | 0.3120% | 5,146 |
| Net charge-offs to loans | 0.6082% | 323 |
| Credit loss provision to net charge-offs | 85.2123% | 2,515 |
| Earnings coverage of net charge-offs (x) | 3.0773% | 3,382 |
| Efficiency ratio | 65.9174% | 3,226 |
| Assets per employee ($millions) | 11.6215% | 201 |
| Cash dividends to net income (ytd only)* | 95.6023% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 2,088 |
| Loan loss allowance to noncurrent loans | 59.9513% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.0144% | 639 |
| Noncurrent loans to loans | 2.2657% | 709 |
| Net loans and leases to total assets | 81.3677% | 780 |
| Net loans and leases to deposits | 101.4593% | 649 |
| Net loans and leases to core deposits | 157.4659% | 93 |
| Total domestic deposits to total assets | 80.1974% | 4,277 |
| Equity capital to assets | 11.0724% | 2,793 |
| Core capital (leverage) ratio | 10.5642% | 2,918 |
| Tier 1 risk-based capital ratio | 10.6160% | 5,412 |
| Total risk-based capital ratio | 11.7534% | 5,381 |
| Memoranda: | ||
| Average total assets | $1,793,962,750 | 448 |
| Average earning assets | $1,688,477,000 | 438 |
| Average equity | $196,587,000 | 445 |
| Average total loans | $1,466,265,000 | 399 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 1,680 |
| Cost of funding earning assets | 0.6981% | 905 |
| Net interest margin | 3.7473% | 2,480 |
| Noninterest income to average assets | 0.9821% | 1,064 |
| Noninterest expense to average assets | 2.9038% | 2,413 |
| Loan and lease loss provision to assets | 0.4700% | 256 |
| Net operating income to assets | 0.8003% | 3,400 |
| Return on assets (ROA) | 0.8003% | 3,460 |
| Pretax return on assets | 1.1384% | 3,015 |
| Return on Equity (ROE) | 7.3286% | 3,379 |
| Retained earnings to average equity (ytd only) | 0.7125% | 4,918 |
| Net charge-offs to loans | 0.4724% | 423 |
| Credit loss provision to net charge-offs | 122.0907% | 1,762 |
| Earnings coverage of net charge-offs (x) | 4.1779% | 2,970 |
| Efficiency ratio | 64.2876% | 3,627 |
| Assets per employee ($millions) | 11.9971% | 174 |
| Cash dividends to net income (ytd only)* | 90.2778% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 1,636 |
| Loan loss allowance to noncurrent loans | 58.3437% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 2.2533% | 519 |
| Noncurrent loans to loans | 2.5419% | 579 |
| Net loans and leases to total assets | 81.6514% | 719 |
| Net loans and leases to deposits | 97.5678% | 929 |
| Net loans and leases to core deposits | 147.8879% | 139 |
| Total domestic deposits to total assets | 83.6868% | 3,330 |
| Equity capital to assets | 11.1632% | 2,642 |
| Core capital (leverage) ratio | 10.5229% | 2,887 |
| Tier 1 risk-based capital ratio | 10.5942% | 5,429 |
| Total risk-based capital ratio | 11.8287% | 5,355 |
| Memoranda: | ||
| Average total assets | $1,799,254,000 | 449 |
| Average earning assets | $1,694,868,000 | 439 |
| Average equity | $196,490,330 | 445 |
| Average total loans | $1,466,115,670 | 398 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 1,490 |
| Cost of funding earning assets | 0.7672% | 589 |
| Net interest margin | 3.6855% | 2,537 |
| Noninterest income to average assets | 0.9288% | 1,169 |
| Noninterest expense to average assets | 2.5905% | 3,532 |
| Loan and lease loss provision to assets | 0.1006% | 1,882 |
| Net operating income to assets | 1.1878% | 1,532 |
| Return on assets (ROA) | 1.1878% | 1,575 |
| Pretax return on assets | 1.7357% | 926 |
| Return on Equity (ROE) | 11.4732% | 1,411 |
| Retained earnings to average equity (ytd only) | 1.0376% | 4,641 |
| Net charge-offs to loans | 0.0004% | 2,939 |
| Credit loss provision to net charge-offs | 32,600.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 5,949.0000% | 4 |
| Efficiency ratio | 58.5175% | 4,656 |
| Assets per employee ($millions) | 15.8598% | 71 |
| Cash dividends to net income (ytd only)* | 90.9563% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 2,530 |
| Loan loss allowance to noncurrent loans | 108.9913% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9708% | 1,888 |
| Noncurrent loans to loans | 1.1938% | 1,690 |
| Net loans and leases to total assets | 80.2594% | 804 |
| Net loans and leases to deposits | 97.5620% | 804 |
| Net loans and leases to core deposits | 161.2632% | 80 |
| Total domestic deposits to total assets | 82.2650% | 4,092 |
| Equity capital to assets | 10.2061% | 3,504 |
| Core capital (leverage) ratio | 10.3837% | 3,025 |
| Tier 1 risk-based capital ratio | 10.2878% | 5,625 |
| Total risk-based capital ratio | 11.3521% | 5,627 |
| Memoranda: | ||
| Average total assets | $1,295,815,000 | 598 |
| Average earning assets | $1,229,901,500 | 575 |
| Average equity | $134,156,500 | 606 |
| Average total loans | $1,060,696,000 | 505 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 1,128 |
| Cost of funding earning assets | 0.7755% | 562 |
| Net interest margin | 3.8902% | 1,996 |
| Noninterest income to average assets | 0.9130% | 1,366 |
| Noninterest expense to average assets | 2.7249% | 3,266 |
| Loan and lease loss provision to assets | 0.0710% | 2,942 |
| Net operating income to assets | 1.4683% | 888 |
| Return on assets (ROA) | 1.4689% | 910 |
| Pretax return on assets | 1.8273% | 746 |
| Return on Equity (ROE) | 13.9953% | 775 |
| Retained earnings to average equity (ytd only) | 3.8029% | 3,209 |
| Net charge-offs to loans | -0.0164% | 5,070 |
| Credit loss provision to net charge-offs | -523.9766% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9495% | 4,727 |
| Assets per employee ($millions) | 15.0032% | 86 |
| Cash dividends to net income (ytd only)* | 72.8273% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,577 |
| Loan loss allowance to noncurrent loans | 140.6140% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 2,464 |
| Noncurrent loans to loans | 0.9205% | 2,256 |
| Net loans and leases to total assets | 81.3442% | 690 |
| Net loans and leases to deposits | 93.9329% | 1,201 |
| Net loans and leases to core deposits | 153.7075% | 100 |
| Total domestic deposits to total assets | 86.5983% | 2,331 |
| Equity capital to assets | 10.5048% | 3,151 |
| Core capital (leverage) ratio | 10.4037% | 2,985 |
| Tier 1 risk-based capital ratio | 10.4888% | 5,575 |
| Total risk-based capital ratio | 11.5520% | 5,599 |
| Memoranda: | ||
| Average total assets | $1,261,961,400 | 585 |
| Average earning assets | $1,203,293,000 | 559 |
| Average equity | $132,451,600 | 605 |
| Average total loans | $1,044,172,000 | 490 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 1,256 |
| Cost of funding earning assets | 0.7813% | 553 |
| Net interest margin | 3.8382% | 2,198 |
| Noninterest income to average assets | 0.9284% | 1,320 |
| Noninterest expense to average assets | 2.8432% | 2,854 |
| Loan and lease loss provision to assets | 0.0363% | 3,521 |
| Net operating income to assets | 1.4118% | 1,050 |
| Return on assets (ROA) | 1.4124% | 1,093 |
| Pretax return on assets | 1.7139% | 1,078 |
| Return on Equity (ROE) | 13.4598% | 931 |
| Retained earnings to average equity (ytd only) | 2.8600% | 4,184 |
| Net charge-offs to loans | -0.0113% | 4,812 |
| Credit loss provision to net charge-offs | -389.7727% | 5,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9075% | 4,250 |
| Assets per employee ($millions) | 14.3047% | 94 |
| Cash dividends to net income (ytd only)* | 78.7520% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,994 |
| Loan loss allowance to noncurrent loans | 110.2167% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 2,249 |
| Noncurrent loans to loans | 1.1286% | 1,996 |
| Net loans and leases to total assets | 80.8592% | 776 |
| Net loans and leases to deposits | 91.0689% | 1,621 |
| Net loans and leases to core deposits | 153.4722% | 110 |
| Total domestic deposits to total assets | 88.7890% | 1,007 |
| Equity capital to assets | 10.4140% | 3,657 |
| Core capital (leverage) ratio | 10.3370% | 3,179 |
| Tier 1 risk-based capital ratio | 10.3981% | 5,657 |
| Total risk-based capital ratio | 11.4198% | 5,686 |
| Memoranda: | ||
| Average total assets | $1,258,634,500 | 584 |
| Average earning assets | $1,201,617,750 | 560 |
| Average equity | $132,073,500 | 609 |
| Average total loans | $1,042,474,750 | 488 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 1,038 |
| Cost of funding earning assets | 0.7983% | 499 |
| Net interest margin | 3.9084% | 1,952 |
| Noninterest income to average assets | 0.9462% | 1,250 |
| Noninterest expense to average assets | 2.5631% | 3,847 |
| Loan and lease loss provision to assets | 0.0402% | 3,352 |
| Net operating income to assets | 1.3837% | 1,089 |
| Return on assets (ROA) | 1.3844% | 1,152 |
| Pretax return on assets | 2.0774% | 489 |
| Return on Equity (ROE) | 13.1596% | 991 |
| Retained earnings to average equity (ytd only) | 6.3364% | 1,941 |
| Net charge-offs to loans | -0.0125% | 4,770 |
| Credit loss provision to net charge-offs | -387.6923% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7723% | 5,254 |
| Assets per employee ($millions) | 13.6927% | 103 |
| Cash dividends to net income (ytd only)* | 51.8493% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 3,143 |
| Loan loss allowance to noncurrent loans | 106.5578% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9698% | 2,207 |
| Noncurrent loans to loans | 1.1622% | 1,972 |
| Net loans and leases to total assets | 82.2618% | 599 |
| Net loans and leases to deposits | 92.7614% | 1,421 |
| Net loans and leases to core deposits | 164.6954% | 77 |
| Total domestic deposits to total assets | 88.6810% | 1,072 |
| Equity capital to assets | 10.7309% | 3,364 |
| Core capital (leverage) ratio | 10.5878% | 2,862 |
| Tier 1 risk-based capital ratio | 10.6557% | 5,603 |
| Total risk-based capital ratio | 11.6840% | 5,617 |
| Memoranda: | ||
| Average total assets | $1,253,805,670 | 586 |
| Average earning assets | $1,197,614,670 | 563 |
| Average equity | $131,903,670 | 610 |
| Average total loans | $1,042,498,670 | 488 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 1,195 |
| Cost of funding earning assets | 0.8134% | 454 |
| Net interest margin | 3.8126% | 2,247 |
| Noninterest income to average assets | 0.9131% | 1,283 |
| Noninterest expense to average assets | 2.5389% | 3,946 |
| Loan and lease loss provision to assets | 0.0798% | 2,363 |
| Net operating income to assets | 1.2801% | 1,306 |
| Return on assets (ROA) | 1.2801% | 1,396 |
| Pretax return on assets | 1.9347% | 649 |
| Return on Equity (ROE) | 12.2901% | 1,219 |
| Retained earnings to average equity (ytd only) | 12.2901% | 461 |
| Net charge-offs to loans | -0.0008% | 4,075 |
| Credit loss provision to net charge-offs | -12,550.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7589% | 5,214 |
| Assets per employee ($millions) | 14.7701% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 3,402 |
| Loan loss allowance to noncurrent loans | 99.9375% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.0234% | 2,159 |
| Noncurrent loans to loans | 1.2136% | 1,996 |
| Net loans and leases to total assets | 82.9721% | 458 |
| Net loans and leases to deposits | 93.3923% | 1,199 |
| Net loans and leases to core deposits | 159.0578% | 86 |
| Total domestic deposits to total assets | 88.8425% | 1,184 |
| Equity capital to assets | 10.6150% | 3,351 |
| Core capital (leverage) ratio | 10.2967% | 3,200 |
| Tier 1 risk-based capital ratio | 10.4267% | 5,783 |
| Total risk-based capital ratio | 11.4297% | 5,798 |
| Memoranda: | ||
| Average total assets | $1,257,689,500 | 581 |
| Average earning assets | $1,200,874,000 | 560 |
| Average equity | $131,000,000 | 610 |
| Average total loans | $1,044,815,000 | 483 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 1,512 |
| Cost of funding earning assets | 0.7475% | 649 |
| Net interest margin | 3.7806% | 2,444 |
| Noninterest income to average assets | 0.9150% | 1,396 |
| Noninterest expense to average assets | 2.4376% | 4,418 |
| Loan and lease loss provision to assets | 0.0322% | 3,719 |
| Net operating income to assets | 1.3420% | 1,171 |
| Return on assets (ROA) | 1.3420% | 1,206 |
| Pretax return on assets | 2.0502% | 485 |
| Return on Equity (ROE) | 12.9756% | 1,065 |
| Retained earnings to average equity (ytd only) | 7.3438% | 1,150 |
| Net charge-offs to loans | 0.0360% | 3,497 |
| Credit loss provision to net charge-offs | 109.0141% | 2,311 |
| Earnings coverage of net charge-offs (x) | 70.4958% | 768 |
| Efficiency ratio | 53.9286% | 5,525 |
| Assets per employee ($millions) | 14.9990% | 81 |
| Cash dividends to net income (ytd only)* | 43.4028% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 3,410 |
| Loan loss allowance to noncurrent loans | 81.5191% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.2247% | 1,763 |
| Noncurrent loans to loans | 1.4856% | 1,562 |
| Net loans and leases to total assets | 81.1658% | 682 |
| Net loans and leases to deposits | 90.9421% | 1,512 |
| Net loans and leases to core deposits | 162.9006% | 71 |
| Total domestic deposits to total assets | 89.2500% | 999 |
| Equity capital to assets | 10.2176% | 3,724 |
| Core capital (leverage) ratio | 10.4421% | 2,994 |
| Tier 1 risk-based capital ratio | 10.1305% | 5,919 |
| Total risk-based capital ratio | 11.1161% | 5,946 |
| Memoranda: | ||
| Average total assets | $1,201,757,000 | 587 |
| Average earning assets | $1,145,959,800 | 562 |
| Average equity | $124,295,200 | 613 |
| Average total loans | $985,535,000 | 488 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5332% | 1,500 |
| Cost of funding earning assets | 0.7355% | 699 |
| Net interest margin | 3.7977% | 2,397 |
| Noninterest income to average assets | 0.9187% | 1,404 |
| Noninterest expense to average assets | 2.4826% | 4,250 |
| Loan and lease loss provision to assets | -0.0220% | 5,853 |
| Net operating income to assets | 1.3667% | 1,193 |
| Return on assets (ROA) | 1.3667% | 1,241 |
| Pretax return on assets | 2.0786% | 524 |
| Return on Equity (ROE) | 13.1722% | 1,091 |
| Retained earnings to average equity (ytd only) | 8.8428% | 960 |
| Net charge-offs to loans | 0.0441% | 3,013 |
| Credit loss provision to net charge-offs | -60.8696% | 4,983 |
| Earnings coverage of net charge-offs (x) | 56.8730% | 947 |
| Efficiency ratio | 54.6921% | 5,465 |
| Assets per employee ($millions) | 14.2980% | 93 |
| Cash dividends to net income (ytd only)* | 32.8677% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 3,628 |
| Loan loss allowance to noncurrent loans | 201.0399% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 3,853 |
| Noncurrent loans to loans | 0.5990% | 3,526 |
| Net loans and leases to total assets | 80.9136% | 710 |
| Net loans and leases to deposits | 90.9499% | 1,536 |
| Net loans and leases to core deposits | 165.7166% | 67 |
| Total domestic deposits to total assets | 88.9650% | 1,043 |
| Equity capital to assets | 10.5416% | 3,564 |
| Core capital (leverage) ratio | 10.6026% | 2,924 |
| Tier 1 risk-based capital ratio | 10.5526% | 5,861 |
| Total risk-based capital ratio | 11.5423% | 5,887 |
| Memoranda: | ||
| Average total assets | $1,187,216,750 | 599 |
| Average earning assets | $1,131,846,000 | 570 |
| Average equity | $123,185,750 | 622 |
| Average total loans | $973,129,000 | 492 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 1,539 |
| Cost of funding earning assets | 0.7201% | 760 |
| Net interest margin | 3.7798% | 2,402 |
| Noninterest income to average assets | 0.9550% | 1,291 |
| Noninterest expense to average assets | 2.5234% | 4,163 |
| Loan and lease loss provision to assets | -0.0141% | 5,969 |
| Net operating income to assets | 1.3492% | 1,193 |
| Return on assets (ROA) | 1.3492% | 1,237 |
| Pretax return on assets | 2.0519% | 544 |
| Return on Equity (ROE) | 13.0752% | 1,097 |
| Retained earnings to average equity (ytd only) | 6.4932% | 1,950 |
| Net charge-offs to loans | 0.0675% | 2,418 |
| Credit loss provision to net charge-offs | -25.4601% | 4,746 |
| Earnings coverage of net charge-offs (x) | 36.8129% | 1,192 |
| Efficiency ratio | 55.3235% | 5,490 |
| Assets per employee ($millions) | 14.4519% | 86 |
| Cash dividends to net income (ytd only)* | 50.3398% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 3,627 |
| Loan loss allowance to noncurrent loans | 97.8322% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0307% | 2,445 |
| Noncurrent loans to loans | 1.2554% | 2,147 |
| Net loans and leases to total assets | 81.0901% | 655 |
| Net loans and leases to deposits | 92.0886% | 1,364 |
| Net loans and leases to core deposits | 158.9355% | 81 |
| Total domestic deposits to total assets | 88.0566% | 1,621 |
| Equity capital to assets | 10.2988% | 3,694 |
| Core capital (leverage) ratio | 10.5498% | 2,894 |
| Tier 1 risk-based capital ratio | 10.2296% | 6,025 |
| Total risk-based capital ratio | 11.2320% | 6,050 |
| Memoranda: | ||
| Average total assets | $1,177,847,000 | 604 |
| Average earning assets | $1,123,775,670 | 573 |
| Average equity | $121,542,670 | 637 |
| Average total loans | $965,722,000 | 492 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 1,265 |
| Cost of funding earning assets | 0.7233% | 759 |
| Net interest margin | 3.8584% | 2,034 |
| Noninterest income to average assets | 1.0012% | 1,119 |
| Noninterest expense to average assets | 2.6169% | 3,874 |
| Loan and lease loss provision to assets | 0.1090% | 1,887 |
| Net operating income to assets | 1.2908% | 1,304 |
| Return on assets (ROA) | 1.2908% | 1,386 |
| Pretax return on assets | 1.9558% | 638 |
| Return on Equity (ROE) | 12.4964% | 1,218 |
| Retained earnings to average equity (ytd only) | 5.8600% | 2,572 |
| Net charge-offs to loans | 0.1343% | 1,442 |
| Credit loss provision to net charge-offs | 99.0654% | 1,673 |
| Earnings coverage of net charge-offs (x) | 18.7664% | 1,476 |
| Efficiency ratio | 55.8972% | 5,521 |
| Assets per employee ($millions) | 14.3384% | 89 |
| Cash dividends to net income (ytd only)* | 53.1067% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,365 |
| Loan loss allowance to noncurrent loans | 172.7612% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 3,642 |
| Noncurrent loans to loans | 0.7565% | 3,364 |
| Net loans and leases to total assets | 80.2864% | 657 |
| Net loans and leases to deposits | 90.0470% | 1,387 |
| Net loans and leases to core deposits | 149.6115% | 104 |
| Total domestic deposits to total assets | 89.1606% | 1,166 |
| Equity capital to assets | 10.3449% | 3,728 |
| Core capital (leverage) ratio | 10.3348% | 3,182 |
| Tier 1 risk-based capital ratio | 10.3987% | 6,050 |
| Total risk-based capital ratio | 11.4715% | 6,050 |
| Memoranda: | ||
| Average total assets | $1,167,018,500 | 607 |
| Average earning assets | $1,113,213,500 | 575 |
| Average equity | $120,547,000 | 640 |
| Average total loans | $956,196,000 | 492 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 1,448 |
| Cost of funding earning assets | 0.7641% | 790 |
| Net interest margin | 3.8746% | 2,340 |
| Noninterest income to average assets | 0.8811% | 1,564 |
| Noninterest expense to average assets | 2.3601% | 4,944 |
| Loan and lease loss provision to assets | 0.0906% | 2,654 |
| Net operating income to assets | 1.4101% | 1,065 |
| Return on assets (ROA) | 1.4101% | 1,093 |
| Pretax return on assets | 2.1279% | 383 |
| Return on Equity (ROE) | 13.6680% | 999 |
| Retained earnings to average equity (ytd only) | 6.7092% | 1,543 |
| Net charge-offs to loans | 0.0916% | 3,186 |
| Credit loss provision to net charge-offs | 122.2760% | 1,959 |
| Earnings coverage of net charge-offs (x) | 29.9298% | 1,337 |
| Efficiency ratio | 51.5454% | 6,012 |
| Assets per employee ($millions) | 13.6269% | 96 |
| Cash dividends to net income (ytd only)* | 50.9133% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 3,375 |
| Loan loss allowance to noncurrent loans | 158.7003% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 3,507 |
| Noncurrent loans to loans | 0.8242% | 3,253 |
| Net loans and leases to total assets | 81.4496% | 579 |
| Net loans and leases to deposits | 91.2619% | 1,368 |
| Net loans and leases to core deposits | 153.3400% | 104 |
| Total domestic deposits to total assets | 89.2482% | 1,094 |
| Equity capital to assets | 10.3139% | 3,707 |
| Core capital (leverage) ratio | 10.1283% | 3,398 |
| Tier 1 risk-based capital ratio | 11.0262% | 5,896 |
| Total risk-based capital ratio | 12.1857% | 5,863 |
| Memoranda: | ||
| Average total assets | $1,114,324,400 | 607 |
| Average earning assets | $1,063,418,000 | 575 |
| Average equity | $114,961,800 | 632 |
| Average total loans | $901,642,000 | 496 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 1,616 |
| Cost of funding earning assets | 0.7610% | 844 |
| Net interest margin | 3.8189% | 2,545 |
| Noninterest income to average assets | 0.8554% | 1,676 |
| Noninterest expense to average assets | 2.3859% | 4,873 |
| Loan and lease loss provision to assets | 0.0007% | 4,396 |
| Net operating income to assets | 1.3701% | 1,194 |
| Return on assets (ROA) | 1.3701% | 1,235 |
| Pretax return on assets | 2.1135% | 442 |
| Return on Equity (ROE) | 13.2796% | 1,140 |
| Retained earnings to average equity (ytd only) | 6.2521% | 2,248 |
| Net charge-offs to loans | -0.0021% | 5,192 |
| Credit loss provision to net charge-offs | -42.8571% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0183% | 5,919 |
| Assets per employee ($millions) | 14.1664% | 90 |
| Cash dividends to net income (ytd only)* | 52.9194% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 3,470 |
| Loan loss allowance to noncurrent loans | 81.5221% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2809% | 2,405 |
| Noncurrent loans to loans | 1.6382% | 1,991 |
| Net loans and leases to total assets | 76.6140% | 1,149 |
| Net loans and leases to deposits | 85.3166% | 1,991 |
| Net loans and leases to core deposits | 147.6416% | 113 |
| Total domestic deposits to total assets | 89.7996% | 821 |
| Equity capital to assets | 9.8288% | 4,388 |
| Core capital (leverage) ratio | 10.4320% | 3,119 |
| Tier 1 risk-based capital ratio | 11.1185% | 5,948 |
| Total risk-based capital ratio | 12.2984% | 5,928 |
| Memoranda: | ||
| Average total assets | $1,103,334,250 | 609 |
| Average earning assets | $1,053,012,500 | 580 |
| Average equity | $113,836,250 | 634 |
| Average total loans | $888,072,000 | 497 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6794% | 1,331 |
| Cost of funding earning assets | 0.7646% | 854 |
| Net interest margin | 3.9148% | 2,098 |
| Noninterest income to average assets | 0.8656% | 1,606 |
| Noninterest expense to average assets | 2.4452% | 4,753 |
| Loan and lease loss provision to assets | 0.0061% | 4,114 |
| Net operating income to assets | 1.3823% | 1,104 |
| Return on assets (ROA) | 1.3823% | 1,148 |
| Pretax return on assets | 2.1397% | 413 |
| Return on Equity (ROE) | 13.1673% | 1,129 |
| Retained earnings to average equity (ytd only) | 6.0748% | 2,273 |
| Net charge-offs to loans | -0.0032% | 5,104 |
| Credit loss provision to net charge-offs | -235.7143% | 5,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2598% | 5,976 |
| Assets per employee ($millions) | 13.6650% | 94 |
| Cash dividends to net income (ytd only)* | 53.8648% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 3,417 |
| Loan loss allowance to noncurrent loans | 91.8182% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.2622% | 2,586 |
| Noncurrent loans to loans | 1.5114% | 2,307 |
| Net loans and leases to total assets | 80.3882% | 641 |
| Net loans and leases to deposits | 90.1587% | 1,358 |
| Net loans and leases to core deposits | 175.6439% | 54 |
| Total domestic deposits to total assets | 89.1631% | 1,271 |
| Equity capital to assets | 10.5247% | 3,414 |
| Core capital (leverage) ratio | 10.5431% | 2,892 |
| Tier 1 risk-based capital ratio | 11.2521% | 5,935 |
| Total risk-based capital ratio | 12.4710% | 5,888 |
| Memoranda: | ||
| Average total assets | $1,074,453,000 | 620 |
| Average earning assets | $1,022,478,670 | 599 |
| Average equity | $112,794,670 | 633 |
| Average total loans | $876,086,000 | 501 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 1,298 |
| Cost of funding earning assets | 0.7322% | 1,063 |
| Net interest margin | 3.9525% | 1,920 |
| Noninterest income to average assets | 0.8578% | 1,527 |
| Noninterest expense to average assets | 2.5380% | 4,489 |
| Loan and lease loss provision to assets | 0.0702% | 2,728 |
| Net operating income to assets | 1.3081% | 1,191 |
| Return on assets (ROA) | 1.3081% | 1,237 |
| Pretax return on assets | 2.0164% | 512 |
| Return on Equity (ROE) | 12.4767% | 1,285 |
| Retained earnings to average equity (ytd only) | 5.3124% | 2,914 |
| Net charge-offs to loans | -0.0055% | 4,845 |
| Credit loss provision to net charge-offs | -1,558.3333% | 5,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8806% | 5,935 |
| Assets per employee ($millions) | 13.2946% | 106 |
| Cash dividends to net income (ytd only)* | 57.4218% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 3,431 |
| Loan loss allowance to noncurrent loans | 90.0194% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.3224% | 2,667 |
| Noncurrent loans to loans | 1.5970% | 2,423 |
| Net loans and leases to total assets | 79.7020% | 587 |
| Net loans and leases to deposits | 89.3679% | 1,215 |
| Net loans and leases to core deposits | 163.6051% | 66 |
| Total domestic deposits to total assets | 89.1841% | 1,545 |
| Equity capital to assets | 10.4497% | 3,297 |
| Core capital (leverage) ratio | 10.6589% | 2,750 |
| Tier 1 risk-based capital ratio | 11.3638% | 5,986 |
| Total risk-based capital ratio | 12.6140% | 5,937 |
| Memoranda: | ||
| Average total assets | $1,065,081,500 | 632 |
| Average earning assets | $1,015,065,000 | 605 |
| Average equity | $111,664,000 | 640 |
| Average total loans | $868,545,000 | 499 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 1,260 |
| Cost of funding earning assets | 0.8402% | 992 |
| Net interest margin | 3.9881% | 1,983 |
| Noninterest income to average assets | 0.7365% | 2,351 |
| Noninterest expense to average assets | 2.4683% | 4,865 |
| Loan and lease loss provision to assets | -0.0830% | 6,456 |
| Net operating income to assets | 1.3830% | 1,063 |
| Return on assets (ROA) | 1.3830% | 1,100 |
| Pretax return on assets | 2.1521% | 337 |
| Return on Equity (ROE) | 13.2734% | 1,114 |
| Retained earnings to average equity (ytd only) | 5.8783% | 2,050 |
| Net charge-offs to loans | 0.0791% | 4,109 |
| Credit loss provision to net charge-offs | -130.0151% | 5,924 |
| Earnings coverage of net charge-offs (x) | 32.4012% | 1,108 |
| Efficiency ratio | 54.3994% | 6,100 |
| Assets per employee ($millions) | 13.1663% | 111 |
| Cash dividends to net income (ytd only)* | 55.7142% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 3,543 |
| Loan loss allowance to noncurrent loans | 79.8911% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.4957% | 2,479 |
| Noncurrent loans to loans | 1.7801% | 2,259 |
| Net loans and leases to total assets | 81.0756% | 487 |
| Net loans and leases to deposits | 91.0691% | 1,151 |
| Net loans and leases to core deposits | 166.4556% | 60 |
| Total domestic deposits to total assets | 89.0265% | 1,605 |
| Equity capital to assets | 10.5192% | 3,129 |
| Core capital (leverage) ratio | 10.3523% | 3,088 |
| Tier 1 risk-based capital ratio | 11.3161% | 6,016 |
| Total risk-based capital ratio | 12.5662% | 5,951 |
| Memoranda: | ||
| Average total assets | $1,038,251,600 | 631 |
| Average earning assets | $989,485,600 | 604 |
| Average equity | $108,178,400 | 654 |
| Average total loans | $838,442,400 | 493 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 1,316 |
| Cost of funding earning assets | 0.8589% | 994 |
| Net interest margin | 3.9555% | 2,095 |
| Noninterest income to average assets | 0.7393% | 2,418 |
| Noninterest expense to average assets | 2.3623% | 5,144 |
| Loan and lease loss provision to assets | 0.0027% | 4,906 |
| Net operating income to assets | 1.3716% | 1,171 |
| Return on assets (ROA) | 1.3716% | 1,218 |
| Pretax return on assets | 2.1399% | 440 |
| Return on Equity (ROE) | 13.1962% | 1,194 |
| Retained earnings to average equity (ytd only) | 5.7561% | 2,564 |
| Net charge-offs to loans | 0.0920% | 3,644 |
| Credit loss provision to net charge-offs | 3.6585% | 4,294 |
| Earnings coverage of net charge-offs (x) | 28.9618% | 1,267 |
| Efficiency ratio | 52.4390% | 6,225 |
| Assets per employee ($millions) | 13.3027% | 107 |
| Cash dividends to net income (ytd only)* | 56.3804% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 3,121 |
| Loan loss allowance to noncurrent loans | 160.3184% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8456% | 4,003 |
| Noncurrent loans to loans | 0.9826% | 3,846 |
| Net loans and leases to total assets | 79.0245% | 647 |
| Net loans and leases to deposits | 88.6634% | 1,299 |
| Net loans and leases to core deposits | 168.2504% | 60 |
| Total domestic deposits to total assets | 89.1287% | 1,495 |
| Equity capital to assets | 10.3868% | 3,407 |
| Core capital (leverage) ratio | 10.5228% | 2,980 |
| Tier 1 risk-based capital ratio | 11.5858% | 6,015 |
| Total risk-based capital ratio | 12.8378% | 5,980 |
| Memoranda: | ||
| Average total assets | $1,034,488,750 | 639 |
| Average earning assets | $984,840,500 | 614 |
| Average equity | $107,523,250 | 667 |
| Average total loans | $831,480,000 | 500 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7927% | 1,338 |
| Cost of funding earning assets | 0.8744% | 1,011 |
| Net interest margin | 3.9183% | 2,154 |
| Noninterest income to average assets | 0.7304% | 2,504 |
| Noninterest expense to average assets | 2.4021% | 5,044 |
| Loan and lease loss provision to assets | 0.0107% | 4,658 |
| Net operating income to assets | 1.3172% | 1,279 |
| Return on assets (ROA) | 1.3172% | 1,362 |
| Pretax return on assets | 2.0513% | 540 |
| Return on Equity (ROE) | 12.6698% | 1,325 |
| Retained earnings to average equity (ytd only) | 5.1917% | 2,931 |
| Net charge-offs to loans | 0.1076% | 3,282 |
| Credit loss provision to net charge-offs | 12.3596% | 3,865 |
| Earnings coverage of net charge-offs (x) | 23.8404% | 1,318 |
| Efficiency ratio | 53.8096% | 6,161 |
| Assets per employee ($millions) | 13.5176% | 101 |
| Cash dividends to net income (ytd only)* | 59.0232% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 3,216 |
| Loan loss allowance to noncurrent loans | 137.4362% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 3,797 |
| Noncurrent loans to loans | 1.1520% | 3,628 |
| Net loans and leases to total assets | 79.3245% | 601 |
| Net loans and leases to deposits | 88.7706% | 1,259 |
| Net loans and leases to core deposits | 178.6278% | 52 |
| Total domestic deposits to total assets | 89.3590% | 1,405 |
| Equity capital to assets | 10.1914% | 3,670 |
| Core capital (leverage) ratio | 10.4988% | 2,876 |
| Tier 1 risk-based capital ratio | 11.3756% | 6,168 |
| Total risk-based capital ratio | 12.6278% | 6,130 |
| Memoranda: | ||
| Average total assets | $1,029,014,670 | 642 |
| Average earning assets | $980,523,670 | 616 |
| Average equity | $106,979,000 | 668 |
| Average total loans | $827,383,670 | 502 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,049 |
| Cost of funding earning assets | 0.9243% | 878 |
| Net interest margin | 3.9869% | 1,841 |
| Noninterest income to average assets | 0.7726% | 2,243 |
| Noninterest expense to average assets | 2.4303% | 5,019 |
| Loan and lease loss provision to assets | 0.0098% | 4,331 |
| Net operating income to assets | 1.3594% | 1,128 |
| Return on assets (ROA) | 1.3594% | 1,219 |
| Pretax return on assets | 2.1265% | 467 |
| Return on Equity (ROE) | 12.9435% | 1,184 |
| Retained earnings to average equity (ytd only) | 5.4487% | 2,978 |
| Net charge-offs to loans | -0.0020% | 5,158 |
| Credit loss provision to net charge-offs | -625.0000% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2190% | 6,279 |
| Assets per employee ($millions) | 13.0909% | 115 |
| Cash dividends to net income (ytd only)* | 57.9039% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 3,003 |
| Loan loss allowance to noncurrent loans | 127.2727% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.1366% | 3,671 |
| Noncurrent loans to loans | 1.3368% | 3,563 |
| Net loans and leases to total assets | 79.5212% | 470 |
| Net loans and leases to deposits | 91.1357% | 879 |
| Net loans and leases to core deposits | 153.6697% | 84 |
| Total domestic deposits to total assets | 87.2558% | 2,787 |
| Equity capital to assets | 10.6556% | 3,373 |
| Core capital (leverage) ratio | 10.5276% | 2,739 |
| Tier 1 risk-based capital ratio | 11.6735% | 6,100 |
| Total risk-based capital ratio | 12.9269% | 6,074 |
| Memoranda: | ||
| Average total assets | $1,016,334,500 | 656 |
| Average earning assets | $967,176,000 | 627 |
| Average equity | $106,740,500 | 679 |
| Average total loans | $816,159,000 | 505 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2144% | 1,092 |
| Cost of funding earning assets | 1.1934% | 603 |
| Net interest margin | 4.0211% | 2,312 |
| Noninterest income to average assets | 0.8951% | 1,873 |
| Noninterest expense to average assets | 2.4754% | 5,174 |
| Loan and lease loss provision to assets | 0.4491% | 1,407 |
| Net operating income to assets | 1.1453% | 1,786 |
| Return on assets (ROA) | 1.1453% | 1,957 |
| Pretax return on assets | 1.8038% | 913 |
| Return on Equity (ROE) | 10.8598% | 1,851 |
| Retained earnings to average equity (ytd only) | 5.0884% | 2,652 |
| Net charge-offs to loans | 0.3928% | 2,683 |
| Credit loss provision to net charge-offs | 145.6729% | 1,875 |
| Earnings coverage of net charge-offs (x) | 7.3077% | 2,635 |
| Efficiency ratio | 52.3525% | 6,435 |
| Assets per employee ($millions) | 13.4825% | 118 |
| Cash dividends to net income (ytd only)* | 53.1444% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 2,954 |
| Loan loss allowance to noncurrent loans | 103.7545% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 3,325 |
| Noncurrent loans to loans | 1.6336% | 3,174 |
| Net loans and leases to total assets | 78.3693% | 630 |
| Net loans and leases to deposits | 88.2245% | 1,242 |
| Net loans and leases to core deposits | 149.2122% | 108 |
| Total domestic deposits to total assets | 88.8293% | 1,690 |
| Equity capital to assets | 10.3519% | 3,693 |
| Core capital (leverage) ratio | 10.4938% | 2,777 |
| Tier 1 risk-based capital ratio | 11.4793% | 6,121 |
| Total risk-based capital ratio | 12.7327% | 6,083 |
| Memoranda: | ||
| Average total assets | $985,731,200 | 666 |
| Average earning assets | $939,702,400 | 632 |
| Average equity | $103,961,800 | 683 |
| Average total loans | $773,769,000 | 530 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3325% | 953 |
| Cost of funding earning assets | 1.2512% | 551 |
| Net interest margin | 4.0813% | 2,163 |
| Noninterest income to average assets | 0.8205% | 2,157 |
| Noninterest expense to average assets | 2.4973% | 5,098 |
| Loan and lease loss provision to assets | 0.4825% | 1,283 |
| Net operating income to assets | 1.1052% | 2,069 |
| Return on assets (ROA) | 1.1052% | 2,260 |
| Pretax return on assets | 1.7370% | 1,188 |
| Return on Equity (ROE) | 10.4283% | 2,162 |
| Retained earnings to average equity (ytd only) | 2.6941% | 4,943 |
| Net charge-offs to loans | 0.5024% | 2,110 |
| Credit loss provision to net charge-offs | 122.8522% | 2,355 |
| Earnings coverage of net charge-offs (x) | 5.6511% | 2,964 |
| Efficiency ratio | 52.9454% | 6,357 |
| Assets per employee ($millions) | 13.2636% | 119 |
| Cash dividends to net income (ytd only)* | 74.1656% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 3,262 |
| Loan loss allowance to noncurrent loans | 125.9025% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.1496% | 3,991 |
| Noncurrent loans to loans | 1.3258% | 3,817 |
| Net loans and leases to total assets | 78.7067% | 651 |
| Net loans and leases to deposits | 88.7671% | 1,272 |
| Net loans and leases to core deposits | 161.4466% | 77 |
| Total domestic deposits to total assets | 88.6665% | 1,616 |
| Equity capital to assets | 10.5146% | 3,823 |
| Core capital (leverage) ratio | 10.3011% | 3,163 |
| Tier 1 risk-based capital ratio | 11.8028% | 6,055 |
| Total risk-based capital ratio | 13.0564% | 6,031 |
| Memoranda: | ||
| Average total assets | $975,997,250 | 677 |
| Average earning assets | $931,770,250 | 645 |
| Average equity | $103,434,250 | 687 |
| Average total loans | $762,994,000 | 532 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 1,032 |
| Cost of funding earning assets | 1.3034% | 522 |
| Net interest margin | 4.0069% | 2,475 |
| Noninterest income to average assets | 0.7775% | 2,307 |
| Noninterest expense to average assets | 2.4645% | 5,249 |
| Loan and lease loss provision to assets | 0.5237% | 1,196 |
| Net operating income to assets | 1.0288% | 2,344 |
| Return on assets (ROA) | 1.0288% | 2,564 |
| Pretax return on assets | 1.6160% | 1,501 |
| Return on Equity (ROE) | 9.6820% | 2,490 |
| Retained earnings to average equity (ytd only) | 9.6820% | 1,065 |
| Net charge-offs to loans | 0.4739% | 2,170 |
| Credit loss provision to net charge-offs | 142.5140% | 1,948 |
| Earnings coverage of net charge-offs (x) | 5.8223% | 2,748 |
| Efficiency ratio | 53.5272% | 6,363 |
| Assets per employee ($millions) | 13.5404% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 3,166 |
| Loan loss allowance to noncurrent loans | 103.7683% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4095% | 3,606 |
| Noncurrent loans to loans | 1.6517% | 3,425 |
| Net loans and leases to total assets | 78.8445% | 634 |
| Net loans and leases to deposits | 89.3660% | 1,210 |
| Net loans and leases to core deposits | 168.6707% | 74 |
| Total domestic deposits to total assets | 88.2264% | 2,007 |
| Equity capital to assets | 11.0154% | 3,099 |
| Core capital (leverage) ratio | 10.9013% | 2,389 |
| Tier 1 risk-based capital ratio | 12.3992% | 5,647 |
| Total risk-based capital ratio | 13.6532% | 5,625 |
| Memoranda: | ||
| Average total assets | $974,159,670 | 680 |
| Average earning assets | $930,355,330 | 648 |
| Average equity | $103,511,670 | 685 |
| Average total loans | $755,449,330 | 538 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2117% | 1,292 |
| Cost of funding earning assets | 1.3678% | 473 |
| Net interest margin | 3.8439% | 3,164 |
| Noninterest income to average assets | 0.8028% | 2,155 |
| Noninterest expense to average assets | 2.4158% | 5,419 |
| Loan and lease loss provision to assets | 0.2431% | 2,524 |
| Net operating income to assets | 1.1430% | 1,906 |
| Return on assets (ROA) | 1.1430% | 2,091 |
| Pretax return on assets | 1.8137% | 1,045 |
| Return on Equity (ROE) | 10.9540% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.9540% | 1,038 |
| Net charge-offs to loans | 0.1124% | 3,449 |
| Credit loss provision to net charge-offs | 283.8095% | 1,032 |
| Earnings coverage of net charge-offs (x) | 24.0095% | 1,071 |
| Efficiency ratio | 54.0131% | 6,348 |
| Assets per employee ($millions) | 14.7829% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 3,197 |
| Loan loss allowance to noncurrent loans | 74.1598% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.9179% | 3,024 |
| Noncurrent loans to loans | 2.3439% | 2,753 |
| Net loans and leases to total assets | 75.5562% | 855 |
| Net loans and leases to deposits | 85.4452% | 1,481 |
| Net loans and leases to core deposits | 167.6420% | 75 |
| Total domestic deposits to total assets | 88.4265% | 2,052 |
| Equity capital to assets | 10.7984% | 3,151 |
| Core capital (leverage) ratio | 10.2258% | 3,075 |
| Tier 1 risk-based capital ratio | 12.5775% | 5,541 |
| Total risk-based capital ratio | 13.8317% | 5,503 |
| Memoranda: | ||
| Average total assets | $980,556,500 | 678 |
| Average earning assets | $936,130,000 | 642 |
| Average equity | $102,318,500 | 692 |
| Average total loans | $747,573,000 | 543 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 1,580 |
| Cost of funding earning assets | 1.6479% | 397 |
| Net interest margin | 3.6957% | 4,314 |
| Noninterest income to average assets | 0.7185% | 2,501 |
| Noninterest expense to average assets | 2.3601% | 5,880 |
| Loan and lease loss provision to assets | 0.3670% | 2,795 |
| Net operating income to assets | 0.9172% | 2,536 |
| Return on assets (ROA) | 0.9172% | 2,652 |
| Pretax return on assets | 1.5225% | 1,407 |
| Return on Equity (ROE) | 9.3261% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.3261% | 716 |
| Net charge-offs to loans | 0.6517% | 2,519 |
| Credit loss provision to net charge-offs | 71.5920% | 4,792 |
| Earnings coverage of net charge-offs (x) | 3.6860% | 3,423 |
| Efficiency ratio | 55.5071% | 6,369 |
| Assets per employee ($millions) | 15.3881% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 3,389 |
| Loan loss allowance to noncurrent loans | 67.8819% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.8881% | 3,126 |
| Noncurrent loans to loans | 2.4264% | 2,704 |
| Net loans and leases to total assets | 74.3668% | 1,205 |
| Net loans and leases to deposits | 83.5045% | 1,985 |
| Net loans and leases to core deposits | 169.2801% | 94 |
| Total domestic deposits to total assets | 89.0573% | 1,502 |
| Equity capital to assets | 10.0854% | 4,057 |
| Core capital (leverage) ratio | 9.9774% | 3,368 |
| Tier 1 risk-based capital ratio | 12.1327% | 5,738 |
| Total risk-based capital ratio | 13.3862% | 5,717 |
| Memoranda: | ||
| Average total assets | $971,663,000 | 674 |
| Average earning assets | $928,394,000 | 640 |
| Average equity | $95,559,600 | 719 |
| Average total loans | $764,350,800 | 534 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3962% | 1,516 |
| Cost of funding earning assets | 1.7028% | 390 |
| Net interest margin | 3.6935% | 4,366 |
| Noninterest income to average assets | 0.6884% | 2,677 |
| Noninterest expense to average assets | 2.4056% | 5,752 |
| Loan and lease loss provision to assets | 0.4018% | 2,441 |
| Net operating income to assets | 0.8254% | 3,043 |
| Return on assets (ROA) | 0.8254% | 3,208 |
| Pretax return on assets | 1.4116% | 1,911 |
| Return on Equity (ROE) | 8.4486% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.4486% | 1,337 |
| Net charge-offs to loans | 0.7458% | 2,073 |
| Credit loss provision to net charge-offs | 67.8097% | 4,554 |
| Earnings coverage of net charge-offs (x) | 3.0602% | 3,608 |
| Efficiency ratio | 56.9870% | 6,146 |
| Assets per employee ($millions) | 15.2213% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 3,498 |
| Loan loss allowance to noncurrent loans | 55.5274% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.3903% | 2,692 |
| Noncurrent loans to loans | 2.9462% | 2,366 |
| Net loans and leases to total assets | 77.1031% | 826 |
| Net loans and leases to deposits | 86.5980% | 1,610 |
| Net loans and leases to core deposits | 196.1640% | 68 |
| Total domestic deposits to total assets | 89.0357% | 1,417 |
| Equity capital to assets | 10.0312% | 4,297 |
| Core capital (leverage) ratio | 9.8788% | 3,607 |
| Tier 1 risk-based capital ratio | 11.6912% | 6,114 |
| Total risk-based capital ratio | 12.9446% | 6,109 |
| Memoranda: | ||
| Average total assets | $964,522,000 | 685 |
| Average earning assets | $922,001,500 | 649 |
| Average equity | $94,230,250 | 729 |
| Average total loans | $766,365,000 | 539 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3990% | 1,564 |
| Cost of funding earning assets | 1.7595% | 364 |
| Net interest margin | 3.6395% | 4,567 |
| Noninterest income to average assets | 0.6889% | 2,610 |
| Noninterest expense to average assets | 2.4159% | 5,796 |
| Loan and lease loss provision to assets | 0.5012% | 1,957 |
| Net operating income to assets | 0.7130% | 3,477 |
| Return on assets (ROA) | 0.7130% | 3,592 |
| Pretax return on assets | 1.2545% | 2,285 |
| Return on Equity (ROE) | 7.3646% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.3646% | 1,705 |
| Net charge-offs to loans | 0.5351% | 2,490 |
| Credit loss provision to net charge-offs | 117.3405% | 2,621 |
| Earnings coverage of net charge-offs (x) | 4.1106% | 2,960 |
| Efficiency ratio | 57.8824% | 6,182 |
| Assets per employee ($millions) | 14.0001% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 2,765 |
| Loan loss allowance to noncurrent loans | 46.6737% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 3.2481% | 2,061 |
| Noncurrent loans to loans | 4.0031% | 1,731 |
| Net loans and leases to total assets | 78.4959% | 708 |
| Net loans and leases to deposits | 88.0058% | 1,500 |
| Net loans and leases to core deposits | 218.7339% | 63 |
| Total domestic deposits to total assets | 89.1940% | 1,421 |
| Equity capital to assets | 10.0096% | 4,138 |
| Core capital (leverage) ratio | 9.7718% | 3,564 |
| Tier 1 risk-based capital ratio | 11.2843% | 6,328 |
| Total risk-based capital ratio | 12.5402% | 6,322 |
| Memoranda: | ||
| Average total assets | $961,309,330 | 698 |
| Average earning assets | $919,917,330 | 655 |
| Average equity | $93,067,000 | 735 |
| Average total loans | $767,286,670 | 549 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3521% | 1,721 |
| Cost of funding earning assets | 1.8129% | 356 |
| Net interest margin | 3.5393% | 4,854 |
| Noninterest income to average assets | 0.6638% | 2,765 |
| Noninterest expense to average assets | 2.4403% | 5,764 |
| Loan and lease loss provision to assets | 0.3512% | 2,456 |
| Net operating income to assets | 0.8178% | 2,937 |
| Return on assets (ROA) | 0.8178% | 2,992 |
| Pretax return on assets | 1.2630% | 2,156 |
| Return on Equity (ROE) | 8.5912% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.5912% | 1,522 |
| Net charge-offs to loans | 0.2737% | 2,973 |
| Credit loss provision to net charge-offs | 160.9108% | 1,792 |
| Earnings coverage of net charge-offs (x) | 7.3966% | 1,956 |
| Efficiency ratio | 60.1573% | 5,960 |
| Assets per employee ($millions) | 14.8779% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8544% | 2,845 |
| Loan loss allowance to noncurrent loans | 41.8524% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 3.6125% | 1,884 |
| Noncurrent loans to loans | 4.4307% | 1,583 |
| Net loans and leases to total assets | 77.6778% | 773 |
| Net loans and leases to deposits | 86.7490% | 1,610 |
| Net loans and leases to core deposits | 209.4732% | 68 |
| Total domestic deposits to total assets | 89.5432% | 1,459 |
| Equity capital to assets | 9.5978% | 4,313 |
| Core capital (leverage) ratio | 9.3647% | 4,024 |
| Tier 1 risk-based capital ratio | 10.9509% | 6,540 |
| Total risk-based capital ratio | 12.2065% | 6,515 |
| Memoranda: | ||
| Average total assets | $965,959,000 | 696 |
| Average earning assets | $925,385,500 | 660 |
| Average equity | $91,954,500 | 738 |
| Average total loans | $770,171,500 | 557 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5467% | 2,092 |
| Cost of funding earning assets | 2.1000% | 431 |
| Net interest margin | 3.4468% | 5,450 |
| Noninterest income to average assets | 0.6380% | 3,226 |
| Noninterest expense to average assets | 2.4374% | 5,985 |
| Loan and lease loss provision to assets | 0.6007% | 2,731 |
| Net operating income to assets | 0.5480% | 3,897 |
| Return on assets (ROA) | 0.5480% | 4,050 |
| Pretax return on assets | 0.8970% | 3,300 |
| Return on Equity (ROE) | 5.7949% | 3,703 |
| Retained earnings to average equity (ytd only) | 5.7949% | 1,941 |
| Net charge-offs to loans | 0.5431% | 3,436 |
| Credit loss provision to net charge-offs | 137.3327% | 2,776 |
| Earnings coverage of net charge-offs (x) | 3.4242% | 3,369 |
| Efficiency ratio | 61.9066% | 5,746 |
| Assets per employee ($millions) | 14.8439% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 2,896 |
| Loan loss allowance to noncurrent loans | 40.2963% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 3.6092% | 1,907 |
| Noncurrent loans to loans | 4.4422% | 1,602 |
| Net loans and leases to total assets | 78.8807% | 820 |
| Net loans and leases to deposits | 88.0803% | 1,778 |
| Net loans and leases to core deposits | 217.2217% | 70 |
| Total domestic deposits to total assets | 89.5554% | 1,354 |
| Equity capital to assets | 9.4410% | 4,482 |
| Core capital (leverage) ratio | 9.3365% | 3,952 |
| Tier 1 risk-based capital ratio | 10.4668% | 6,720 |
| Total risk-based capital ratio | 11.7213% | 6,696 |
| Memoranda: | ||
| Average total assets | $939,412,600 | 715 |
| Average earning assets | $898,634,600 | 669 |
| Average equity | $88,837,000 | 754 |
| Average total loans | $756,575,200 | 572 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5834% | 2,126 |
| Cost of funding earning assets | 2.1494% | 452 |
| Net interest margin | 3.4341% | 5,556 |
| Noninterest income to average assets | 0.6455% | 3,147 |
| Noninterest expense to average assets | 2.4517% | 5,878 |
| Loan and lease loss provision to assets | 0.4991% | 2,965 |
| Net operating income to assets | 0.6096% | 3,841 |
| Return on assets (ROA) | 0.6096% | 4,005 |
| Pretax return on assets | 0.9784% | 3,261 |
| Return on Equity (ROE) | 6.4435% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.4435% | 2,119 |
| Net charge-offs to loans | 0.4005% | 3,682 |
| Credit loss provision to net charge-offs | 154.6259% | 2,489 |
| Earnings coverage of net charge-offs (x) | 4.5773% | 2,991 |
| Efficiency ratio | 62.3632% | 5,549 |
| Assets per employee ($millions) | 14.8714% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 2,930 |
| Loan loss allowance to noncurrent loans | 50.5042% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 2.8909% | 2,512 |
| Noncurrent loans to loans | 3.4879% | 2,275 |
| Net loans and leases to total assets | 79.5236% | 821 |
| Net loans and leases to deposits | 89.4795% | 1,790 |
| Net loans and leases to core deposits | 221.8531% | 72 |
| Total domestic deposits to total assets | 88.8736% | 1,460 |
| Equity capital to assets | 9.5410% | 4,778 |
| Core capital (leverage) ratio | 9.4487% | 3,990 |
| Tier 1 risk-based capital ratio | 10.4603% | 6,802 |
| Total risk-based capital ratio | 11.7147% | 6,791 |
| Memoranda: | ||
| Average total assets | $933,052,750 | 719 |
| Average earning assets | $892,210,500 | 670 |
| Average equity | $88,273,250 | 753 |
| Average total loans | $751,980,500 | 578 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6269% | 2,035 |
| Cost of funding earning assets | 2.2116% | 445 |
| Net interest margin | 3.4153% | 5,577 |
| Noninterest income to average assets | 0.6349% | 3,095 |
| Noninterest expense to average assets | 2.4739% | 5,818 |
| Loan and lease loss provision to assets | 0.3427% | 3,675 |
| Net operating income to assets | 0.6659% | 3,553 |
| Return on assets (ROA) | 0.6659% | 3,698 |
| Pretax return on assets | 1.0867% | 2,821 |
| Return on Equity (ROE) | 7.0595% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.0595% | 1,807 |
| Net charge-offs to loans | 0.2923% | 3,866 |
| Credit loss provision to net charge-offs | 145.6881% | 2,718 |
| Earnings coverage of net charge-offs (x) | 6.0771% | 2,536 |
| Efficiency ratio | 63.3459% | 5,457 |
| Assets per employee ($millions) | 14.6119% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 2,954 |
| Loan loss allowance to noncurrent loans | 46.9667% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 3.0446% | 2,337 |
| Noncurrent loans to loans | 3.6907% | 2,118 |
| Net loans and leases to total assets | 79.0489% | 944 |
| Net loans and leases to deposits | 89.7860% | 1,895 |
| Net loans and leases to core deposits | 240.7630% | 66 |
| Total domestic deposits to total assets | 88.0415% | 1,976 |
| Equity capital to assets | 9.7005% | 4,409 |
| Core capital (leverage) ratio | 9.5466% | 3,748 |
| Tier 1 risk-based capital ratio | 10.7853% | 6,456 |
| Total risk-based capital ratio | 12.0395% | 6,440 |
| Memoranda: | ||
| Average total assets | $926,813,330 | 720 |
| Average earning assets | $886,958,000 | 674 |
| Average equity | $87,428,330 | 748 |
| Average total loans | $745,822,330 | 586 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7195% | 1,705 |
| Cost of funding earning assets | 2.2609% | 478 |
| Net interest margin | 3.4587% | 5,339 |
| Noninterest income to average assets | 0.7015% | 2,595 |
| Noninterest expense to average assets | 2.4367% | 5,959 |
| Loan and lease loss provision to assets | 0.3338% | 3,396 |
| Net operating income to assets | 0.7308% | 3,299 |
| Return on assets (ROA) | 0.7308% | 3,408 |
| Pretax return on assets | 1.2422% | 2,227 |
| Return on Equity (ROE) | 7.8572% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.8572% | 1,770 |
| Net charge-offs to loans | 0.0037% | 5,571 |
| Credit loss provision to net charge-offs | 11,085.7143% | 36 |
| Earnings coverage of net charge-offs (x) | 523.4286% | 50 |
| Efficiency ratio | 60.6925% | 6,058 |
| Assets per employee ($millions) | 14.2966% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 2,883 |
| Loan loss allowance to noncurrent loans | 49.1469% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.9876% | 2,405 |
| Noncurrent loans to loans | 3.5689% | 2,237 |
| Net loans and leases to total assets | 79.0035% | 980 |
| Net loans and leases to deposits | 89.4928% | 1,985 |
| Net loans and leases to core deposits | 222.3870% | 83 |
| Total domestic deposits to total assets | 88.2792% | 1,911 |
| Equity capital to assets | 9.4160% | 4,658 |
| Core capital (leverage) ratio | 9.2841% | 4,080 |
| Tier 1 risk-based capital ratio | 10.6224% | 6,519 |
| Total risk-based capital ratio | 11.8770% | 6,502 |
| Memoranda: | ||
| Average total assets | $929,946,500 | 732 |
| Average earning assets | $890,280,000 | 687 |
| Average equity | $86,493,500 | 765 |
| Average total loans | $748,474,500 | 602 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7255% | 2,984 |
| Cost of funding earning assets | 2.5363% | 932 |
| Net interest margin | 3.1892% | 6,131 |
| Noninterest income to average assets | 0.5497% | 4,027 |
| Noninterest expense to average assets | 2.3580% | 6,577 |
| Loan and lease loss provision to assets | 0.7556% | 2,845 |
| Net operating income to assets | 0.2917% | 4,566 |
| Return on assets (ROA) | 0.3144% | 4,561 |
| Pretax return on assets | 0.5216% | 4,126 |
| Return on Equity (ROE) | 3.4090% | 4,327 |
| Retained earnings to average equity (ytd only) | 3.4090% | 2,782 |
| Net charge-offs to loans | 0.6241% | 3,338 |
| Credit loss provision to net charge-offs | 145.7458% | 3,251 |
| Earnings coverage of net charge-offs (x) | 2.3953% | 3,936 |
| Efficiency ratio | 65.4657% | 5,494 |
| Assets per employee ($millions) | 15.0099% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 3,105 |
| Loan loss allowance to noncurrent loans | 52.2642% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.6931% | 2,601 |
| Noncurrent loans to loans | 3.1490% | 2,436 |
| Net loans and leases to total assets | 79.2316% | 1,144 |
| Net loans and leases to deposits | 89.2935% | 2,341 |
| Net loans and leases to core deposits | 92.2413% | 4,858 |
| Total domestic deposits to total assets | 88.7317% | 1,612 |
| Equity capital to assets | 9.1860% | 4,865 |
| Core capital (leverage) ratio | 9.0797% | 4,287 |
| Tier 1 risk-based capital ratio | 10.3636% | 6,527 |
| Total risk-based capital ratio | 11.6170% | 6,494 |
| Memoranda: | ||
| Average total assets | $909,046,600 | 745 |
| Average earning assets | $869,402,400 | 699 |
| Average equity | $83,836,200 | 767 |
| Average total loans | $755,227,800 | 607 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7303% | 3,189 |
| Cost of funding earning assets | 2.5863% | 1,066 |
| Net interest margin | 3.1440% | 6,201 |
| Noninterest income to average assets | 0.5967% | 3,739 |
| Noninterest expense to average assets | 2.3334% | 6,617 |
| Loan and lease loss provision to assets | 0.6079% | 2,958 |
| Net operating income to assets | 0.3950% | 4,417 |
| Return on assets (ROA) | 0.4254% | 4,402 |
| Pretax return on assets | 0.7091% | 3,824 |
| Return on Equity (ROE) | 4.6077% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.6077% | 2,698 |
| Net charge-offs to loans | 0.6051% | 2,862 |
| Credit loss provision to net charge-offs | 119.9767% | 4,234 |
| Earnings coverage of net charge-offs (x) | 2.5055% | 3,974 |
| Efficiency ratio | 64.7283% | 5,607 |
| Assets per employee ($millions) | 14.1429% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 3,837 |
| Loan loss allowance to noncurrent loans | 65.0584% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.1624% | 3,142 |
| Noncurrent loans to loans | 2.1835% | 3,401 |
| Net loans and leases to total assets | 82.0411% | 809 |
| Net loans and leases to deposits | 92.7356% | 2,111 |
| Net loans and leases to core deposits | 96.3230% | 4,773 |
| Total domestic deposits to total assets | 88.4677% | 1,448 |
| Equity capital to assets | 9.3182% | 5,005 |
| Core capital (leverage) ratio | 9.2420% | 4,275 |
| Tier 1 risk-based capital ratio | 10.3352% | 6,640 |
| Total risk-based capital ratio | 11.5862% | 6,577 |
| Memoranda: | ||
| Average total assets | $903,655,000 | 759 |
| Average earning assets | $864,070,500 | 713 |
| Average equity | $83,423,750 | 785 |
| Average total loans | $756,615,250 | 619 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7213% | 3,428 |
| Cost of funding earning assets | 2.6743% | 1,095 |
| Net interest margin | 3.0470% | 6,414 |
| Noninterest income to average assets | 0.6135% | 3,576 |
| Noninterest expense to average assets | 2.4469% | 6,307 |
| Loan and lease loss provision to assets | 0.7306% | 2,244 |
| Net operating income to assets | 0.2121% | 5,223 |
| Return on assets (ROA) | 0.2121% | 5,302 |
| Pretax return on assets | 0.3457% | 5,080 |
| Return on Equity (ROE) | 2.3053% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.3053% | 4,054 |
| Net charge-offs to loans | 0.6983% | 2,305 |
| Credit loss provision to net charge-offs | 124.6960% | 3,734 |
| Earnings coverage of net charge-offs (x) | 1.8370% | 4,189 |
| Efficiency ratio | 69.4130% | 4,901 |
| Assets per employee ($millions) | 13.4955% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 3,492 |
| Loan loss allowance to noncurrent loans | 71.8017% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 2.0413% | 3,144 |
| Noncurrent loans to loans | 2.0135% | 3,496 |
| Net loans and leases to total assets | 81.6667% | 1,016 |
| Net loans and leases to deposits | 92.1552% | 2,443 |
| Net loans and leases to core deposits | 96.3776% | 4,860 |
| Total domestic deposits to total assets | 88.6186% | 1,475 |
| Equity capital to assets | 9.2286% | 4,967 |
| Core capital (leverage) ratio | 9.1075% | 4,451 |
| Tier 1 risk-based capital ratio | 10.2046% | 6,706 |
| Total risk-based capital ratio | 11.4558% | 6,634 |
| Memoranda: | ||
| Average total assets | $898,444,330 | 782 |
| Average earning assets | $857,945,670 | 738 |
| Average equity | $82,678,000 | 794 |
| Average total loans | $753,800,000 | 642 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7459% | 3,554 |
| Cost of funding earning assets | 2.7657% | 1,068 |
| Net interest margin | 2.9802% | 6,531 |
| Noninterest income to average assets | 0.6391% | 3,280 |
| Noninterest expense to average assets | 2.4110% | 6,154 |
| Loan and lease loss provision to assets | 0.9375% | 1,385 |
| Net operating income to assets | 0.0764% | 6,048 |
| Return on assets (ROA) | 0.0764% | 6,218 |
| Pretax return on assets | 0.1264% | 6,105 |
| Return on Equity (ROE) | 0.8312% | 6,180 |
| Retained earnings to average equity (ytd only) | 0.8312% | 5,329 |
| Net charge-offs to loans | 0.5862% | 2,004 |
| Credit loss provision to net charge-offs | 189.4404% | 2,318 |
| Earnings coverage of net charge-offs (x) | 2.1498% | 3,660 |
| Efficiency ratio | 69.3445% | 4,709 |
| Assets per employee ($millions) | 13.0621% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 3,128 |
| Loan loss allowance to noncurrent loans | 84.8625% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.7949% | 3,226 |
| Noncurrent loans to loans | 1.7351% | 3,661 |
| Net loans and leases to total assets | 82.9516% | 852 |
| Net loans and leases to deposits | 93.8583% | 2,293 |
| Net loans and leases to core deposits | 100.9597% | 4,442 |
| Total domestic deposits to total assets | 88.3796% | 1,529 |
| Equity capital to assets | 9.1757% | 5,116 |
| Core capital (leverage) ratio | 9.1253% | 4,513 |
| Tier 1 risk-based capital ratio | 9.7579% | 7,191 |
| Total risk-based capital ratio | 11.0090% | 7,102 |
| Memoranda: | ||
| Average total assets | $895,568,500 | 787 |
| Average earning assets | $852,156,000 | 746 |
| Average equity | $82,294,500 | 800 |
| Average total loans | $756,070,500 | 649 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5275% | 2,825 |
| Cost of funding earning assets | 3.4421% | 620 |
| Net interest margin | 3.0854% | 6,692 |
| Noninterest income to average assets | 0.4432% | 5,086 |
| Noninterest expense to average assets | 1.8869% | 7,637 |
| Loan and lease loss provision to assets | 0.4799% | 2,899 |
| Net operating income to assets | 0.6387% | 4,151 |
| Return on assets (ROA) | 0.6387% | 4,000 |
| Pretax return on assets | 1.0138% | 3,330 |
| Return on Equity (ROE) | 7.1151% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.1151% | 1,116 |
| Net charge-offs to loans | 0.2589% | 3,686 |
| Credit loss provision to net charge-offs | 217.2689% | 2,212 |
| Earnings coverage of net charge-offs (x) | 6.7620% | 3,280 |
| Efficiency ratio | 55.7739% | 7,044 |
| Assets per employee ($millions) | 13.9039% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 3,470 |
| Loan loss allowance to noncurrent loans | 84.9704% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.6850% | 2,885 |
| Noncurrent loans to loans | 1.5907% | 3,386 |
| Net loans and leases to total assets | 83.5146% | 962 |
| Net loans and leases to deposits | 99.3409% | 1,932 |
| Net loans and leases to core deposits | 108.4692% | 3,910 |
| Total domestic deposits to total assets | 84.0687% | 3,292 |
| Equity capital to assets | 9.2027% | 5,076 |
| Core capital (leverage) ratio | 9.2266% | 4,399 |
| Tier 1 risk-based capital ratio | 9.8863% | 6,864 |
| Total risk-based capital ratio | 11.1309% | 6,754 |
| Memoranda: | ||
| Average total assets | $851,980,000 | 797 |
| Average earning assets | $811,122,400 | 750 |
| Average equity | $76,485,200 | 867 |
| Average total loans | $726,824,200 | 662 |