Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6735% | 960 |
| Cost of funding earning assets | 2.2848% | 560 |
| Net interest margin | 3.3887% | 2,426 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.7056% | 1,724 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.8703% | 2,634 |
| Return on assets (ROA) | 0.8729% | 2,599 |
| Pretax return on assets | 1.1131% | 2,373 |
| Return on Equity (ROE) | 12.2500% | 1,899 |
| Retained earnings to average equity (ytd only) | 10.6538% | 865 |
| Net charge-offs to loans | 0.0485% | 1,391 |
| Credit loss provision to net charge-offs | 345.7282% | 862 |
| Earnings coverage of net charge-offs (x) | 31.7000% | 1,605 |
| Efficiency ratio | 68.3771% | 2,064 |
| Assets per employee ($millions) | 5.3030% | 3,395 |
| Cash dividends to net income (ytd only)* | 12.9950% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 3,682 |
| Loan loss allowance to noncurrent loans | 371.5416% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 2,189 |
| Noncurrent loans to loans | 0.2448% | 2,324 |
| Net loans and leases to total assets | 79.7800% | 664 |
| Net loans and leases to deposits | 102.4390% | 415 |
| Net loans and leases to core deposits | 116.9724% | 719 |
| Total domestic deposits to total assets | 77.8800% | 3,745 |
| Equity capital to assets | 7.5930% | 3,661 |
| Core capital (leverage) ratio | 9.0097% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2920% | 2,766 |
| Memoranda: | ||
| Average total assets | $2,609,410,800 | 446 |
| Average earning assets | $2,444,843,000 | 432 |
| Average equity | $186,018,000 | 569 |
| Average total loans | $2,125,885,600 | 385 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5260% | 979 |
| Cost of funding earning assets | 2.1271% | 567 |
| Net interest margin | 3.3989% | 2,460 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.7430% | 1,563 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.8570% | 2,837 |
| Return on assets (ROA) | 0.8607% | 2,809 |
| Pretax return on assets | 1.0967% | 2,573 |
| Return on Equity (ROE) | 12.2900% | 2,056 |
| Retained earnings to average equity (ytd only) | 10.0972% | 1,374 |
| Net charge-offs to loans | 0.0452% | 1,244 |
| Credit loss provision to net charge-offs | 370.5470% | 757 |
| Earnings coverage of net charge-offs (x) | 33.4362% | 1,537 |
| Efficiency ratio | 68.9430% | 1,913 |
| Assets per employee ($millions) | 5.1969% | 3,433 |
| Cash dividends to net income (ytd only)* | 17.8260% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 3,746 |
| Loan loss allowance to noncurrent loans | 448.5008% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 2,435 |
| Noncurrent loans to loans | 0.1997% | 2,556 |
| Net loans and leases to total assets | 80.6900% | 571 |
| Net loans and leases to deposits | 103.5342% | 369 |
| Net loans and leases to core deposits | 118.2199% | 598 |
| Total domestic deposits to total assets | 77.9300% | 3,825 |
| Equity capital to assets | 6.6709% | 3,765 |
| Core capital (leverage) ratio | 8.5676% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6229% | 2,877 |
| Memoranda: | ||
| Average total assets | $2,572,377,750 | 452 |
| Average earning assets | $2,409,656,250 | 439 |
| Average equity | $180,177,750 | 584 |
| Average total loans | $2,102,288,250 | 388 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3559% | 1,008 |
| Cost of funding earning assets | 1.9559% | 548 |
| Net interest margin | 3.4001% | 2,512 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 2.7495% | 1,530 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.8631% | 2,879 |
| Return on assets (ROA) | 0.8687% | 2,856 |
| Pretax return on assets | 1.1091% | 2,621 |
| Return on Equity (ROE) | 12.2000% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.3599% | 1,586 |
| Net charge-offs to loans | 0.0497% | 1,020 |
| Credit loss provision to net charge-offs | 312.4272% | 847 |
| Earnings coverage of net charge-offs (x) | 30.6117% | 1,537 |
| Efficiency ratio | 68.8463% | 1,881 |
| Assets per employee ($millions) | 5.0455% | 3,562 |
| Cash dividends to net income (ytd only)* | 23.2579% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 3,840 |
| Loan loss allowance to noncurrent loans | 423.6676% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 2,299 |
| Noncurrent loans to loans | 0.2074% | 2,432 |
| Net loans and leases to total assets | 80.8000% | 545 |
| Net loans and leases to deposits | 104.6506% | 350 |
| Net loans and leases to core deposits | 118.7920% | 546 |
| Total domestic deposits to total assets | 77.2100% | 3,926 |
| Equity capital to assets | 6.9941% | 3,805 |
| Core capital (leverage) ratio | 8.5613% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7078% | 2,883 |
| Memoranda: | ||
| Average total assets | $2,534,237,667 | 446 |
| Average earning assets | $2,374,410,000 | 435 |
| Average equity | $180,492,667 | 573 |
| Average total loans | $2,073,897,000 | 381 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1711% | 993 |
| Cost of funding earning assets | 1.7382% | 509 |
| Net interest margin | 3.4330% | 2,551 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.7320% | 1,591 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.9016% | 2,846 |
| Return on assets (ROA) | 0.9136% | 2,767 |
| Pretax return on assets | 1.1688% | 2,516 |
| Return on Equity (ROE) | 12.7100% | 2,047 |
| Retained earnings to average equity (ytd only) | 6.9924% | 2,496 |
| Net charge-offs to loans | 0.0593% | 782 |
| Credit loss provision to net charge-offs | 207.5908% | 812 |
| Earnings coverage of net charge-offs (x) | 26.6403% | 1,347 |
| Efficiency ratio | 67.8317% | 1,990 |
| Assets per employee ($millions) | 4.9443% | 3,703 |
| Cash dividends to net income (ytd only)* | 44.9754% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 3,957 |
| Loan loss allowance to noncurrent loans | 447.1173% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 2,349 |
| Noncurrent loans to loans | 0.1929% | 2,509 |
| Net loans and leases to total assets | 80.8900% | 465 |
| Net loans and leases to deposits | 104.8415% | 286 |
| Net loans and leases to core deposits | 117.9100% | 493 |
| Total domestic deposits to total assets | 77.1500% | 4,072 |
| Equity capital to assets | 7.0847% | 3,789 |
| Core capital (leverage) ratio | 8.6522% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3615% | 3,004 |
| Memoranda: | ||
| Average total assets | $2,492,049,000 | 465 |
| Average earning assets | $2,334,186,500 | 452 |
| Average equity | $179,165,000 | 587 |
| Average total loans | $2,043,577,500 | 396 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 686 |
| Cost of funding earning assets | 0.7527% | 464 |
| Net interest margin | 3.7765% | 1,208 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.8912% | 1,136 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2224% | 1,693 |
| Return on assets (ROA) | 1.2248% | 1,631 |
| Pretax return on assets | 1.5892% | 1,190 |
| Return on Equity (ROE) | 16.1200% | 1,034 |
| Retained earnings to average equity (ytd only) | 14.6196% | 322 |
| Net charge-offs to loans | 0.0534% | 1,130 |
| Credit loss provision to net charge-offs | 157.7287% | 1,266 |
| Earnings coverage of net charge-offs (x) | 38.1083% | 1,538 |
| Efficiency ratio | 63.6010% | 2,555 |
| Assets per employee ($millions) | 4.7236% | 3,874 |
| Cash dividends to net income (ytd only)* | 9.3041% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 3,692 |
| Loan loss allowance to noncurrent loans | 698.9390% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,630 |
| Noncurrent loans to loans | 0.1319% | 2,854 |
| Net loans and leases to total assets | 81.6800% | 440 |
| Net loans and leases to deposits | 104.4372% | 283 |
| Net loans and leases to core deposits | 114.4433% | 476 |
| Total domestic deposits to total assets | 78.2100% | 4,071 |
| Equity capital to assets | 7.2998% | 3,490 |
| Core capital (leverage) ratio | 9.0182% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5250% | 3,028 |
| Memoranda: | ||
| Average total assets | $2,190,274,800 | 509 |
| Average earning assets | $2,049,832,600 | 499 |
| Average equity | $166,426,800 | 620 |
| Average total loans | $1,779,873,200 | 412 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 576 |
| Cost of funding earning assets | 0.5831% | 475 |
| Net interest margin | 3.8249% | 912 |
| Noninterest income to average assets | 1.0800% | 595 |
| Noninterest expense to average assets | 2.9122% | 1,031 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.2823% | 1,419 |
| Return on assets (ROA) | 1.2858% | 1,371 |
| Pretax return on assets | 1.6700% | 960 |
| Return on Equity (ROE) | 16.7300% | 851 |
| Retained earnings to average equity (ytd only) | 14.7015% | 392 |
| Net charge-offs to loans | 0.0537% | 946 |
| Credit loss provision to net charge-offs | 187.0504% | 1,013 |
| Earnings coverage of net charge-offs (x) | 40.1712% | 1,387 |
| Efficiency ratio | 62.5052% | 2,764 |
| Assets per employee ($millions) | 4.5292% | 4,032 |
| Cash dividends to net income (ytd only)* | 12.1466% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 3,566 |
| Loan loss allowance to noncurrent loans | 715.9830% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 2,672 |
| Noncurrent loans to loans | 0.1371% | 2,948 |
| Net loans and leases to total assets | 81.9300% | 377 |
| Net loans and leases to deposits | 104.2654% | 234 |
| Net loans and leases to core deposits | 113.6097% | 371 |
| Total domestic deposits to total assets | 78.5800% | 4,213 |
| Equity capital to assets | 6.8726% | 3,577 |
| Core capital (leverage) ratio | 8.9854% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3222% | 3,105 |
| Memoranda: | ||
| Average total assets | $2,130,865,250 | 519 |
| Average earning assets | $1,995,371,500 | 506 |
| Average equity | $163,725,250 | 634 |
| Average total loans | $1,724,476,250 | 421 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 546 |
| Cost of funding earning assets | 0.5256% | 446 |
| Net interest margin | 3.7412% | 850 |
| Noninterest income to average assets | 1.1337% | 523 |
| Noninterest expense to average assets | 2.9236% | 955 |
| Loan and lease loss provision to assets | 0.0961% | 1,034 |
| Net operating income to assets | 1.2497% | 1,277 |
| Return on assets (ROA) | 1.2551% | 1,251 |
| Pretax return on assets | 1.6276% | 888 |
| Return on Equity (ROE) | 15.7293% | 750 |
| Retained earnings to average equity (ytd only) | 12.7241% | 500 |
| Net charge-offs to loans | 0.0211% | 1,311 |
| Credit loss provision to net charge-offs | 568.1818% | 598 |
| Earnings coverage of net charge-offs (x) | 101.5341% | 803 |
| Efficiency ratio | 63.0028% | 2,919 |
| Assets per employee ($millions) | 4.3398% | 4,184 |
| Cash dividends to net income (ytd only)* | 19.1059% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 3,280 |
| Loan loss allowance to noncurrent loans | 849.7503% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 2,827 |
| Noncurrent loans to loans | 0.1258% | 3,090 |
| Net loans and leases to total assets | 80.9991% | 342 |
| Net loans and leases to deposits | 96.7080% | 397 |
| Net loans and leases to core deposits | 105.8940% | 454 |
| Total domestic deposits to total assets | 83.7564% | 3,733 |
| Equity capital to assets | 7.4441% | 3,507 |
| Core capital (leverage) ratio | 9.0392% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7833% | 3,042 |
| Memoranda: | ||
| Average total assets | $2,081,756,333 | 523 |
| Average earning assets | $1,951,312,333 | 521 |
| Average equity | $166,110,333 | 638 |
| Average total loans | $1,670,961,000 | 423 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 582 |
| Cost of funding earning assets | 0.5168% | 455 |
| Net interest margin | 3.6286% | 853 |
| Noninterest income to average assets | 1.1237% | 537 |
| Noninterest expense to average assets | 2.8875% | 982 |
| Loan and lease loss provision to assets | 0.1169% | 714 |
| Net operating income to assets | 1.1827% | 1,289 |
| Return on assets (ROA) | 1.1894% | 1,268 |
| Pretax return on assets | 1.5381% | 940 |
| Return on Equity (ROE) | 14.4021% | 757 |
| Retained earnings to average equity (ytd only) | 8.5129% | 1,421 |
| Net charge-offs to loans | 0.0312% | 992 |
| Credit loss provision to net charge-offs | 472.4409% | 534 |
| Earnings coverage of net charge-offs (x) | 66.5433% | 815 |
| Efficiency ratio | 63.6829% | 3,070 |
| Assets per employee ($millions) | 4.4600% | 4,161 |
| Cash dividends to net income (ytd only)* | 40.8912% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,336 |
| Loan loss allowance to noncurrent loans | 361.0969% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 2,022 |
| Noncurrent loans to loans | 0.3040% | 2,374 |
| Net loans and leases to total assets | 80.4819% | 222 |
| Net loans and leases to deposits | 95.3024% | 303 |
| Net loans and leases to core deposits | 104.8702% | 373 |
| Total domestic deposits to total assets | 84.4489% | 3,664 |
| Equity capital to assets | 7.8603% | 3,674 |
| Core capital (leverage) ratio | 8.7424% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7653% | 3,062 |
| Memoranda: | ||
| Average total assets | $2,052,870,500 | 538 |
| Average earning assets | $1,929,463,000 | 531 |
| Average equity | $169,531,000 | 642 |
| Average total loans | $1,630,582,000 | 432 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 744 |
| Cost of funding earning assets | 0.7268% | 286 |
| Net interest margin | 3.6516% | 1,334 |
| Noninterest income to average assets | 1.2093% | 724 |
| Noninterest expense to average assets | 2.9228% | 1,111 |
| Loan and lease loss provision to assets | 0.1361% | 892 |
| Net operating income to assets | 1.2160% | 1,873 |
| Return on assets (ROA) | 1.2267% | 1,879 |
| Pretax return on assets | 1.5933% | 1,446 |
| Return on Equity (ROE) | 14.0338% | 1,177 |
| Retained earnings to average equity (ytd only) | 13.1407% | 383 |
| Net charge-offs to loans | 0.0321% | 1,593 |
| Credit loss provision to net charge-offs | 543.9331% | 765 |
| Earnings coverage of net charge-offs (x) | 68.5649% | 1,088 |
| Efficiency ratio | 63.0090% | 2,714 |
| Assets per employee ($millions) | 4.4753% | 4,132 |
| Cash dividends to net income (ytd only)* | 6.3636% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,243 |
| Loan loss allowance to noncurrent loans | 388.6211% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 2,229 |
| Noncurrent loans to loans | 0.2900% | 2,553 |
| Net loans and leases to total assets | 76.6043% | 475 |
| Net loans and leases to deposits | 91.6173% | 494 |
| Net loans and leases to core deposits | 100.9427% | 494 |
| Total domestic deposits to total assets | 83.6133% | 3,660 |
| Equity capital to assets | 8.6574% | 3,927 |
| Core capital (leverage) ratio | 8.8004% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1480% | 3,030 |
| Memoranda: | ||
| Average total assets | $1,910,035,800 | 562 |
| Average earning assets | $1,793,753,600 | 548 |
| Average equity | $166,954,200 | 649 |
| Average total loans | $1,488,793,800 | 473 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 725 |
| Cost of funding earning assets | 0.7692% | 282 |
| Net interest margin | 3.6866% | 1,368 |
| Noninterest income to average assets | 1.2278% | 761 |
| Noninterest expense to average assets | 2.8913% | 1,142 |
| Loan and lease loss provision to assets | 0.1636% | 672 |
| Net operating income to assets | 1.2554% | 1,968 |
| Return on assets (ROA) | 1.2593% | 2,014 |
| Pretax return on assets | 1.6369% | 1,587 |
| Return on Equity (ROE) | 14.3699% | 1,294 |
| Retained earnings to average equity (ytd only) | 13.1602% | 615 |
| Net charge-offs to loans | 0.0287% | 1,479 |
| Credit loss provision to net charge-offs | 730.1587% | 627 |
| Earnings coverage of net charge-offs (x) | 80.1619% | 983 |
| Efficiency ratio | 61.6910% | 2,740 |
| Assets per employee ($millions) | 4.2954% | 4,268 |
| Cash dividends to net income (ytd only)* | 8.4185% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 3,198 |
| Loan loss allowance to noncurrent loans | 367.3009% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 2,127 |
| Noncurrent loans to loans | 0.3136% | 2,661 |
| Net loans and leases to total assets | 78.3118% | 380 |
| Net loans and leases to deposits | 94.8956% | 381 |
| Net loans and leases to core deposits | 105.3877% | 423 |
| Total domestic deposits to total assets | 82.5241% | 3,818 |
| Equity capital to assets | 8.8722% | 3,945 |
| Core capital (leverage) ratio | 8.9161% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1668% | 3,077 |
| Memoranda: | ||
| Average total assets | $1,875,120,750 | 573 |
| Average earning assets | $1,759,394,250 | 561 |
| Average equity | $164,330,250 | 664 |
| Average total loans | $1,463,979,500 | 482 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 700 |
| Cost of funding earning assets | 0.8063% | 284 |
| Net interest margin | 3.7180% | 1,303 |
| Noninterest income to average assets | 1.1956% | 805 |
| Noninterest expense to average assets | 2.8292% | 1,291 |
| Loan and lease loss provision to assets | 0.2160% | 500 |
| Net operating income to assets | 1.2595% | 1,993 |
| Return on assets (ROA) | 1.2654% | 2,046 |
| Pretax return on assets | 1.6442% | 1,625 |
| Return on Equity (ROE) | 14.5023% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.6565% | 782 |
| Net charge-offs to loans | 0.0434% | 1,204 |
| Credit loss provision to net charge-offs | 641.0256% | 597 |
| Earnings coverage of net charge-offs (x) | 54.9744% | 1,018 |
| Efficiency ratio | 60.4282% | 2,953 |
| Assets per employee ($millions) | 4.2584% | 4,290 |
| Cash dividends to net income (ytd only)* | 12.7273% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 3,129 |
| Loan loss allowance to noncurrent loans | 261.3681% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 1,736 |
| Noncurrent loans to loans | 0.4443% | 2,338 |
| Net loans and leases to total assets | 78.4238% | 412 |
| Net loans and leases to deposits | 95.4645% | 401 |
| Net loans and leases to core deposits | 106.1880% | 464 |
| Total domestic deposits to total assets | 82.1498% | 3,897 |
| Equity capital to assets | 8.7896% | 3,984 |
| Core capital (leverage) ratio | 8.7465% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1194% | 3,074 |
| Memoranda: | ||
| Average total assets | $1,851,550,333 | 572 |
| Average earning assets | $1,736,161,000 | 561 |
| Average equity | $161,561,000 | 670 |
| Average total loans | $1,438,114,333 | 488 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 657 |
| Cost of funding earning assets | 0.8434% | 290 |
| Net interest margin | 3.7595% | 1,216 |
| Noninterest income to average assets | 1.2060% | 847 |
| Noninterest expense to average assets | 2.7926% | 1,385 |
| Loan and lease loss provision to assets | 0.2732% | 357 |
| Net operating income to assets | 1.2838% | 1,875 |
| Return on assets (ROA) | 1.2952% | 1,915 |
| Pretax return on assets | 1.6808% | 1,535 |
| Return on Equity (ROE) | 14.8999% | 1,238 |
| Retained earnings to average equity (ytd only) | 11.1504% | 1,366 |
| Net charge-offs to loans | 0.0820% | 782 |
| Credit loss provision to net charge-offs | 434.0278% | 623 |
| Earnings coverage of net charge-offs (x) | 30.8090% | 1,086 |
| Efficiency ratio | 59.0124% | 3,156 |
| Assets per employee ($millions) | 4.2862% | 4,281 |
| Cash dividends to net income (ytd only)* | 25.1646% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 3,097 |
| Loan loss allowance to noncurrent loans | 210.3305% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 1,478 |
| Noncurrent loans to loans | 0.5561% | 2,190 |
| Net loans and leases to total assets | 76.3652% | 600 |
| Net loans and leases to deposits | 93.0906% | 539 |
| Net loans and leases to core deposits | 103.7533% | 582 |
| Total domestic deposits to total assets | 82.0332% | 3,887 |
| Equity capital to assets | 8.6136% | 4,035 |
| Core capital (leverage) ratio | 8.7253% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4505% | 3,018 |
| Memoranda: | ||
| Average total assets | $1,829,840,000 | 570 |
| Average earning assets | $1,716,302,500 | 560 |
| Average equity | $159,061,000 | 673 |
| Average total loans | $1,405,386,000 | 498 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 743 |
| Cost of funding earning assets | 1.1621% | 324 |
| Net interest margin | 3.6339% | 2,030 |
| Noninterest income to average assets | 1.0840% | 908 |
| Noninterest expense to average assets | 2.9545% | 1,533 |
| Loan and lease loss provision to assets | 0.2930% | 1,295 |
| Net operating income to assets | 0.9693% | 2,400 |
| Return on assets (ROA) | 0.9766% | 2,520 |
| Pretax return on assets | 1.2420% | 2,181 |
| Return on Equity (ROE) | 10.7882% | 1,708 |
| Retained earnings to average equity (ytd only) | 7.2515% | 1,296 |
| Net charge-offs to loans | 0.1734% | 959 |
| Credit loss provision to net charge-offs | 219.5564% | 2,072 |
| Earnings coverage of net charge-offs (x) | 11.4337% | 2,402 |
| Efficiency ratio | 65.9453% | 2,540 |
| Assets per employee ($millions) | 4.3567% | 4,069 |
| Cash dividends to net income (ytd only)* | 32.7828% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,242 |
| Loan loss allowance to noncurrent loans | 160.4353% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 1,301 |
| Noncurrent loans to loans | 0.7125% | 1,915 |
| Net loans and leases to total assets | 75.4548% | 851 |
| Net loans and leases to deposits | 92.9192% | 723 |
| Net loans and leases to core deposits | 104.0733% | 719 |
| Total domestic deposits to total assets | 81.2047% | 3,832 |
| Equity capital to assets | 8.7735% | 4,244 |
| Core capital (leverage) ratio | 8.7512% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5198% | 3,022 |
| Memoranda: | ||
| Average total assets | $1,655,413,400 | 571 |
| Average earning assets | $1,547,137,400 | 560 |
| Average equity | $149,858,600 | 677 |
| Average total loans | $1,274,297,800 | 520 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 656 |
| Cost of funding earning assets | 1.2246% | 337 |
| Net interest margin | 3.7321% | 1,829 |
| Noninterest income to average assets | 1.0692% | 909 |
| Noninterest expense to average assets | 2.9297% | 1,613 |
| Loan and lease loss provision to assets | 0.3050% | 1,323 |
| Net operating income to assets | 1.0355% | 2,203 |
| Return on assets (ROA) | 1.0534% | 2,263 |
| Pretax return on assets | 1.3421% | 1,897 |
| Return on Equity (ROE) | 11.5374% | 1,500 |
| Retained earnings to average equity (ytd only) | 6.7520% | 1,792 |
| Net charge-offs to loans | 0.1442% | 1,016 |
| Credit loss provision to net charge-offs | 274.0741% | 1,845 |
| Earnings coverage of net charge-offs (x) | 14.5956% | 2,148 |
| Efficiency ratio | 64.3302% | 2,684 |
| Assets per employee ($millions) | 4.1662% | 4,174 |
| Cash dividends to net income (ytd only)* | 41.4775% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 2,927 |
| Loan loss allowance to noncurrent loans | 148.9466% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 1,269 |
| Noncurrent loans to loans | 0.7738% | 1,882 |
| Net loans and leases to total assets | 77.3617% | 917 |
| Net loans and leases to deposits | 96.9091% | 696 |
| Net loans and leases to core deposits | 108.2543% | 759 |
| Total domestic deposits to total assets | 79.8291% | 3,894 |
| Equity capital to assets | 9.0404% | 4,090 |
| Core capital (leverage) ratio | 8.8607% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7487% | 2,977 |
| Memoranda: | ||
| Average total assets | $1,617,260,500 | 567 |
| Average earning assets | $1,510,122,750 | 557 |
| Average equity | $147,666,500 | 677 |
| Average total loans | $1,247,868,250 | 519 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1626% | 613 |
| Cost of funding earning assets | 1.2903% | 374 |
| Net interest margin | 3.8723% | 1,643 |
| Noninterest income to average assets | 0.9938% | 998 |
| Noninterest expense to average assets | 2.8925% | 1,846 |
| Loan and lease loss provision to assets | 0.4103% | 974 |
| Net operating income to assets | 1.0251% | 2,237 |
| Return on assets (ROA) | 1.0403% | 2,318 |
| Pretax return on assets | 1.3207% | 1,964 |
| Return on Equity (ROE) | 11.3527% | 1,528 |
| Retained earnings to average equity (ytd only) | 4.0506% | 2,876 |
| Net charge-offs to loans | 0.1867% | 814 |
| Credit loss provision to net charge-offs | 286.3436% | 1,659 |
| Earnings coverage of net charge-offs (x) | 11.9463% | 2,082 |
| Efficiency ratio | 62.8215% | 2,986 |
| Assets per employee ($millions) | 4.2258% | 4,077 |
| Cash dividends to net income (ytd only)* | 64.3204% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,595 |
| Loan loss allowance to noncurrent loans | 165.0931% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9659% | 1,248 |
| Noncurrent loans to loans | 0.7172% | 2,084 |
| Net loans and leases to total assets | 75.4728% | 1,210 |
| Net loans and leases to deposits | 94.5633% | 905 |
| Net loans and leases to core deposits | 105.6403% | 902 |
| Total domestic deposits to total assets | 79.8120% | 3,877 |
| Equity capital to assets | 8.9488% | 4,130 |
| Core capital (leverage) ratio | 8.6897% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9351% | 2,985 |
| Memoranda: | ||
| Average total assets | $1,584,192,667 | 569 |
| Average earning assets | $1,477,043,333 | 560 |
| Average equity | $145,163,333 | 680 |
| Average total loans | $1,216,035,000 | 524 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0136% | 940 |
| Cost of funding earning assets | 1.3741% | 444 |
| Net interest margin | 3.6395% | 2,540 |
| Noninterest income to average assets | 0.9389% | 979 |
| Noninterest expense to average assets | 2.9851% | 1,914 |
| Loan and lease loss provision to assets | 0.1565% | 1,835 |
| Net operating income to assets | 0.9392% | 2,379 |
| Return on assets (ROA) | 0.9627% | 2,412 |
| Pretax return on assets | 1.2144% | 2,139 |
| Return on Equity (ROE) | 10.3723% | 1,622 |
| Retained earnings to average equity (ytd only) | -4.2445% | 4,456 |
| Net charge-offs to loans | 0.3084% | 477 |
| Credit loss provision to net charge-offs | 65.9341% | 1,991 |
| Earnings coverage of net charge-offs (x) | 5.6495% | 2,042 |
| Efficiency ratio | 68.9984% | 2,508 |
| Assets per employee ($millions) | 3.9625% | 3,969 |
| Cash dividends to net income (ytd only)* | 140.9214% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 3,351 |
| Loan loss allowance to noncurrent loans | 135.4495% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1668% | 1,082 |
| Noncurrent loans to loans | 0.7908% | 2,032 |
| Net loans and leases to total assets | 76.6358% | 1,194 |
| Net loans and leases to deposits | 96.6404% | 844 |
| Net loans and leases to core deposits | 109.1789% | 893 |
| Total domestic deposits to total assets | 79.3000% | 3,995 |
| Equity capital to assets | 9.0254% | 4,588 |
| Core capital (leverage) ratio | 9.2541% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8860% | 3,133 |
| Memoranda: | ||
| Average total assets | $1,533,233,500 | 560 |
| Average earning assets | $1,426,991,500 | 554 |
| Average equity | $142,302,000 | 685 |
| Average total loans | $1,180,150,500 | 518 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0275% | 1,407 |
| Cost of funding earning assets | 1.4184% | 522 |
| Net interest margin | 3.6090% | 3,106 |
| Noninterest income to average assets | 0.8973% | 1,180 |
| Noninterest expense to average assets | 2.8756% | 2,367 |
| Loan and lease loss provision to assets | 0.1635% | 1,277 |
| Net operating income to assets | 0.9670% | 2,961 |
| Return on assets (ROA) | 0.9683% | 3,044 |
| Pretax return on assets | 1.2240% | 2,752 |
| Return on Equity (ROE) | 10.5030% | 2,082 |
| Retained earnings to average equity (ytd only) | 8.6210% | 806 |
| Net charge-offs to loans | 0.2552% | 809 |
| Credit loss provision to net charge-offs | 82.1596% | 2,768 |
| Earnings coverage of net charge-offs (x) | 6.9645% | 2,919 |
| Efficiency ratio | 67.4794% | 2,534 |
| Assets per employee ($millions) | 3.9102% | 4,018 |
| Cash dividends to net income (ytd only)* | 17.9187% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 2,793 |
| Loan loss allowance to noncurrent loans | 102.2660% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 828 |
| Noncurrent loans to loans | 1.1041% | 1,367 |
| Net loans and leases to total assets | 75.6058% | 1,482 |
| Net loans and leases to deposits | 94.8085% | 1,074 |
| Net loans and leases to core deposits | 107.6334% | 1,000 |
| Total domestic deposits to total assets | 79.7458% | 4,029 |
| Equity capital to assets | 9.5410% | 4,317 |
| Core capital (leverage) ratio | 9.5315% | 4,025 |
| Tier 1 risk-based capital ratio | 11.3855% | 4,694 |
| Total risk-based capital ratio | 12.4315% | 4,679 |
| Memoranda: | ||
| Average total assets | $1,498,572,800 | 551 |
| Average earning assets | $1,396,889,400 | 545 |
| Average equity | $138,151,600 | 673 |
| Average total loans | $1,168,479,200 | 502 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 1,440 |
| Cost of funding earning assets | 1.4170% | 547 |
| Net interest margin | 3.6249% | 3,183 |
| Noninterest income to average assets | 0.8830% | 1,177 |
| Noninterest expense to average assets | 2.8636% | 2,363 |
| Loan and lease loss provision to assets | 0.2009% | 875 |
| Net operating income to assets | 0.9476% | 3,174 |
| Return on assets (ROA) | 0.9486% | 3,245 |
| Pretax return on assets | 1.1998% | 2,981 |
| Return on Equity (ROE) | 10.3823% | 2,255 |
| Retained earnings to average equity (ytd only) | 10.3823% | 658 |
| Net charge-offs to loans | 0.2303% | 768 |
| Credit loss provision to net charge-offs | 111.3310% | 2,075 |
| Earnings coverage of net charge-offs (x) | 7.7536% | 2,717 |
| Efficiency ratio | 67.1729% | 2,554 |
| Assets per employee ($millions) | 4.0593% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,546 |
| Loan loss allowance to noncurrent loans | 122.3063% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1864% | 1,070 |
| Noncurrent loans to loans | 0.9756% | 1,639 |
| Net loans and leases to total assets | 76.3963% | 1,416 |
| Net loans and leases to deposits | 99.3778% | 693 |
| Net loans and leases to core deposits | 114.9135% | 707 |
| Total domestic deposits to total assets | 76.8746% | 4,533 |
| Equity capital to assets | 9.5648% | 4,412 |
| Core capital (leverage) ratio | 9.4493% | 4,219 |
| Tier 1 risk-based capital ratio | 11.2681% | 4,780 |
| Total risk-based capital ratio | 12.3734% | 4,743 |
| Memoranda: | ||
| Average total assets | $1,492,947,750 | 553 |
| Average earning assets | $1,392,096,500 | 546 |
| Average equity | $136,408,000 | 679 |
| Average total loans | $1,169,810,750 | 502 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 1,462 |
| Cost of funding earning assets | 1.3885% | 560 |
| Net interest margin | 3.6203% | 3,190 |
| Noninterest income to average assets | 0.8515% | 1,202 |
| Noninterest expense to average assets | 2.8587% | 2,388 |
| Loan and lease loss provision to assets | 0.2217% | 746 |
| Net operating income to assets | 0.9076% | 3,251 |
| Return on assets (ROA) | 0.9084% | 3,313 |
| Pretax return on assets | 1.1460% | 3,092 |
| Return on Equity (ROE) | 10.1014% | 2,345 |
| Retained earnings to average equity (ytd only) | 10.1014% | 725 |
| Net charge-offs to loans | 0.2803% | 605 |
| Credit loss provision to net charge-offs | 100.4872% | 1,957 |
| Earnings coverage of net charge-offs (x) | 6.1955% | 2,595 |
| Efficiency ratio | 67.6534% | 2,592 |
| Assets per employee ($millions) | 4.0691% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,680 |
| Loan loss allowance to noncurrent loans | 131.2440% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.1333% | 1,187 |
| Noncurrent loans to loans | 0.8894% | 1,833 |
| Net loans and leases to total assets | 77.5213% | 1,309 |
| Net loans and leases to deposits | 100.4215% | 641 |
| Net loans and leases to core deposits | 116.0061% | 685 |
| Total domestic deposits to total assets | 77.1960% | 4,538 |
| Equity capital to assets | 9.3309% | 4,548 |
| Core capital (leverage) ratio | 9.2197% | 4,434 |
| Tier 1 risk-based capital ratio | 10.9306% | 4,946 |
| Total risk-based capital ratio | 12.0155% | 4,917 |
| Memoranda: | ||
| Average total assets | $1,488,602,330 | 556 |
| Average earning assets | $1,387,300,330 | 548 |
| Average equity | $133,862,330 | 680 |
| Average total loans | $1,171,611,000 | 505 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 1,449 |
| Cost of funding earning assets | 1.3404% | 574 |
| Net interest margin | 3.6182% | 3,191 |
| Noninterest income to average assets | 0.7420% | 1,456 |
| Noninterest expense to average assets | 2.7902% | 2,601 |
| Loan and lease loss provision to assets | 0.2422% | 610 |
| Net operating income to assets | 0.8591% | 3,409 |
| Return on assets (ROA) | 0.8602% | 3,452 |
| Pretax return on assets | 1.0811% | 3,201 |
| Return on Equity (ROE) | 9.7497% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.7497% | 1,097 |
| Net charge-offs to loans | 0.1164% | 1,041 |
| Credit loss provision to net charge-offs | 263.9296% | 898 |
| Earnings coverage of net charge-offs (x) | 14.4047% | 1,795 |
| Efficiency ratio | 67.8513% | 2,660 |
| Assets per employee ($millions) | 4.1576% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,538 |
| Loan loss allowance to noncurrent loans | 125.9876% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.1728% | 1,152 |
| Noncurrent loans to loans | 0.9580% | 1,744 |
| Net loans and leases to total assets | 77.5714% | 1,225 |
| Net loans and leases to deposits | 100.3357% | 609 |
| Net loans and leases to core deposits | 115.9213% | 652 |
| Total domestic deposits to total assets | 77.3118% | 4,618 |
| Equity capital to assets | 8.9556% | 4,716 |
| Core capital (leverage) ratio | 9.0610% | 4,608 |
| Tier 1 risk-based capital ratio | 10.7256% | 5,099 |
| Total risk-based capital ratio | 11.8628% | 5,041 |
| Memoranda: | ||
| Average total assets | $1,486,220,000 | 558 |
| Average earning assets | $1,384,348,000 | 547 |
| Average equity | $131,121,500 | 693 |
| Average total loans | $1,171,741,000 | 505 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 1,335 |
| Cost of funding earning assets | 1.1087% | 476 |
| Net interest margin | 3.7751% | 2,759 |
| Noninterest income to average assets | 0.8781% | 1,237 |
| Noninterest expense to average assets | 2.7779% | 2,761 |
| Loan and lease loss provision to assets | 0.2580% | 661 |
| Net operating income to assets | 1.0712% | 2,714 |
| Return on assets (ROA) | 1.0757% | 2,683 |
| Pretax return on assets | 1.3680% | 2,246 |
| Return on Equity (ROE) | 12.7452% | 1,442 |
| Retained earnings to average equity (ytd only) | 10.9623% | 446 |
| Net charge-offs to loans | 0.1746% | 1,103 |
| Credit loss provision to net charge-offs | 184.9949% | 1,532 |
| Earnings coverage of net charge-offs (x) | 11.6187% | 2,613 |
| Efficiency ratio | 63.1609% | 3,312 |
| Assets per employee ($millions) | 4.1335% | 3,705 |
| Cash dividends to net income (ytd only)* | 13.9888% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 2,707 |
| Loan loss allowance to noncurrent loans | 156.8886% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 1,381 |
| Noncurrent loans to loans | 0.7476% | 2,126 |
| Net loans and leases to total assets | 78.2394% | 1,238 |
| Net loans and leases to deposits | 99.0576% | 817 |
| Net loans and leases to core deposits | 114.2814% | 771 |
| Total domestic deposits to total assets | 78.9837% | 4,314 |
| Equity capital to assets | 8.6867% | 4,812 |
| Core capital (leverage) ratio | 9.0200% | 4,636 |
| Tier 1 risk-based capital ratio | 10.5957% | 5,145 |
| Total risk-based capital ratio | 11.7016% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,395,493,600 | 568 |
| Average earning assets | $1,301,183,600 | 559 |
| Average equity | $117,785,400 | 731 |
| Average total loans | $1,114,612,200 | 513 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 1,308 |
| Cost of funding earning assets | 1.0509% | 481 |
| Net interest margin | 3.7948% | 2,666 |
| Noninterest income to average assets | 0.8751% | 1,265 |
| Noninterest expense to average assets | 2.7515% | 2,806 |
| Loan and lease loss provision to assets | 0.2615% | 587 |
| Net operating income to assets | 1.1014% | 2,660 |
| Return on assets (ROA) | 1.1073% | 2,644 |
| Pretax return on assets | 1.4100% | 2,193 |
| Return on Equity (ROE) | 13.2226% | 1,350 |
| Retained earnings to average equity (ytd only) | 13.2226% | 335 |
| Net charge-offs to loans | 0.1873% | 894 |
| Credit loss provision to net charge-offs | 174.4186% | 1,537 |
| Earnings coverage of net charge-offs (x) | 11.0982% | 2,541 |
| Efficiency ratio | 62.3130% | 3,460 |
| Assets per employee ($millions) | 4.1188% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 2,909 |
| Loan loss allowance to noncurrent loans | 205.6076% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 1,645 |
| Noncurrent loans to loans | 0.5590% | 2,705 |
| Net loans and leases to total assets | 79.4394% | 1,099 |
| Net loans and leases to deposits | 103.7940% | 558 |
| Net loans and leases to core deposits | 120.8734% | 552 |
| Total domestic deposits to total assets | 76.5357% | 4,721 |
| Equity capital to assets | 8.3610% | 5,003 |
| Core capital (leverage) ratio | 8.8494% | 4,847 |
| Tier 1 risk-based capital ratio | 10.3165% | 5,288 |
| Total risk-based capital ratio | 11.4119% | 5,273 |
| Memoranda: | ||
| Average total assets | $1,376,481,500 | 573 |
| Average earning assets | $1,284,239,750 | 562 |
| Average equity | $115,274,500 | 739 |
| Average total loans | $1,102,017,500 | 512 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 1,233 |
| Cost of funding earning assets | 1.0073% | 461 |
| Net interest margin | 3.7976% | 2,570 |
| Noninterest income to average assets | 0.8441% | 1,335 |
| Noninterest expense to average assets | 2.7205% | 2,939 |
| Loan and lease loss provision to assets | 0.2647% | 576 |
| Net operating income to assets | 1.1022% | 2,575 |
| Return on assets (ROA) | 1.1090% | 2,555 |
| Pretax return on assets | 1.4113% | 2,105 |
| Return on Equity (ROE) | 13.2355% | 1,285 |
| Retained earnings to average equity (ytd only) | 13.2355% | 348 |
| Net charge-offs to loans | 0.1521% | 1,016 |
| Credit loss provision to net charge-offs | 217.6542% | 1,226 |
| Earnings coverage of net charge-offs (x) | 13.7122% | 2,135 |
| Efficiency ratio | 62.0011% | 3,625 |
| Assets per employee ($millions) | 4.0460% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,908 |
| Loan loss allowance to noncurrent loans | 339.4510% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 2,117 |
| Noncurrent loans to loans | 0.3428% | 3,470 |
| Net loans and leases to total assets | 79.6942% | 1,065 |
| Net loans and leases to deposits | 101.3240% | 708 |
| Net loans and leases to core deposits | 120.3032% | 554 |
| Total domestic deposits to total assets | 78.6529% | 4,480 |
| Equity capital to assets | 8.4499% | 4,981 |
| Core capital (leverage) ratio | 8.6568% | 4,991 |
| Tier 1 risk-based capital ratio | 10.1671% | 5,383 |
| Total risk-based capital ratio | 11.2667% | 5,365 |
| Memoranda: | ||
| Average total assets | $1,360,271,670 | 580 |
| Average earning assets | $1,269,324,000 | 570 |
| Average equity | $113,981,670 | 746 |
| Average total loans | $1,087,602,330 | 517 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 1,295 |
| Cost of funding earning assets | 0.9457% | 477 |
| Net interest margin | 3.7591% | 2,581 |
| Noninterest income to average assets | 0.8234% | 1,382 |
| Noninterest expense to average assets | 2.6731% | 3,127 |
| Loan and lease loss provision to assets | 0.2670% | 520 |
| Net operating income to assets | 1.0940% | 2,451 |
| Return on assets (ROA) | 1.1079% | 2,405 |
| Pretax return on assets | 1.4098% | 1,975 |
| Return on Equity (ROE) | 13.2787% | 1,190 |
| Retained earnings to average equity (ytd only) | 13.2787% | 482 |
| Net charge-offs to loans | 0.2280% | 661 |
| Credit loss provision to net charge-offs | 147.0588% | 1,244 |
| Earnings coverage of net charge-offs (x) | 9.1405% | 1,985 |
| Efficiency ratio | 61.7007% | 3,839 |
| Assets per employee ($millions) | 4.0663% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 3,262 |
| Loan loss allowance to noncurrent loans | 217.4505% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.9092% | 1,745 |
| Noncurrent loans to loans | 0.5156% | 2,970 |
| Net loans and leases to total assets | 79.8709% | 954 |
| Net loans and leases to deposits | 101.1902% | 630 |
| Net loans and leases to core deposits | 119.7847% | 593 |
| Total domestic deposits to total assets | 78.9315% | 4,589 |
| Equity capital to assets | 8.3392% | 5,083 |
| Core capital (leverage) ratio | 8.6400% | 5,034 |
| Tier 1 risk-based capital ratio | 9.9592% | 5,512 |
| Total risk-based capital ratio | 11.0131% | 5,506 |
| Memoranda: | ||
| Average total assets | $1,348,550,000 | 590 |
| Average earning assets | $1,258,796,000 | 580 |
| Average equity | $112,511,000 | 760 |
| Average total loans | $1,073,541,000 | 528 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,261 |
| Cost of funding earning assets | 0.8947% | 384 |
| Net interest margin | 3.7756% | 2,517 |
| Noninterest income to average assets | 0.8758% | 1,341 |
| Noninterest expense to average assets | 2.7959% | 2,790 |
| Loan and lease loss provision to assets | 0.2372% | 810 |
| Net operating income to assets | 0.8360% | 3,009 |
| Return on assets (ROA) | 0.8368% | 3,042 |
| Pretax return on assets | 1.3505% | 2,170 |
| Return on Equity (ROE) | 10.0504% | 1,862 |
| Retained earnings to average equity (ytd only) | 8.9583% | 518 |
| Net charge-offs to loans | 0.2964% | 879 |
| Credit loss provision to net charge-offs | 102.3891% | 2,500 |
| Earnings coverage of net charge-offs (x) | 6.8471% | 3,128 |
| Efficiency ratio | 63.8001% | 3,632 |
| Assets per employee ($millions) | 3.9151% | 4,102 |
| Cash dividends to net income (ytd only)* | 10.8665% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,098 |
| Loan loss allowance to noncurrent loans | 291.8124% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8446% | 1,846 |
| Noncurrent loans to loans | 0.3920% | 3,354 |
| Net loans and leases to total assets | 77.5238% | 1,348 |
| Net loans and leases to deposits | 96.4025% | 1,051 |
| Net loans and leases to core deposits | 115.2728% | 746 |
| Total domestic deposits to total assets | 80.4168% | 4,262 |
| Equity capital to assets | 8.3471% | 5,229 |
| Core capital (leverage) ratio | 8.5199% | 5,123 |
| Tier 1 risk-based capital ratio | 10.0559% | 5,523 |
| Total risk-based capital ratio | 11.1289% | 5,518 |
| Memoranda: | ||
| Average total assets | $1,264,644,800 | 604 |
| Average earning assets | $1,174,492,200 | 597 |
| Average equity | $105,299,000 | 781 |
| Average total loans | $988,365,800 | 550 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6342% | 1,286 |
| Cost of funding earning assets | 0.8771% | 399 |
| Net interest margin | 3.7571% | 2,549 |
| Noninterest income to average assets | 0.8807% | 1,334 |
| Noninterest expense to average assets | 2.7887% | 2,768 |
| Loan and lease loss provision to assets | 0.2408% | 734 |
| Net operating income to assets | 0.9246% | 2,903 |
| Return on assets (ROA) | 0.9256% | 2,960 |
| Pretax return on assets | 1.3380% | 2,334 |
| Return on Equity (ROE) | 11.1234% | 1,649 |
| Retained earnings to average equity (ytd only) | 11.1234% | 400 |
| Net charge-offs to loans | 0.2306% | 938 |
| Credit loss provision to net charge-offs | 133.6898% | 1,846 |
| Earnings coverage of net charge-offs (x) | 8.7594% | 2,743 |
| Efficiency ratio | 63.8712% | 3,571 |
| Assets per employee ($millions) | 3.9062% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,894 |
| Loan loss allowance to noncurrent loans | 262.6076% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 1,828 |
| Noncurrent loans to loans | 0.4597% | 3,328 |
| Net loans and leases to total assets | 78.4531% | 1,204 |
| Net loans and leases to deposits | 101.8544% | 624 |
| Net loans and leases to core deposits | 121.2087% | 548 |
| Total domestic deposits to total assets | 77.0247% | 4,888 |
| Equity capital to assets | 8.3720% | 5,358 |
| Core capital (leverage) ratio | 8.5634% | 5,195 |
| Tier 1 risk-based capital ratio | 9.8082% | 5,632 |
| Total risk-based capital ratio | 10.9326% | 5,627 |
| Memoranda: | ||
| Average total assets | $1,246,067,000 | 614 |
| Average earning assets | $1,155,937,250 | 607 |
| Average equity | $103,682,750 | 793 |
| Average total loans | $972,952,000 | 559 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 1,288 |
| Cost of funding earning assets | 0.8610% | 382 |
| Net interest margin | 3.7219% | 2,575 |
| Noninterest income to average assets | 0.9115% | 1,241 |
| Noninterest expense to average assets | 2.7978% | 2,770 |
| Loan and lease loss provision to assets | 0.2446% | 688 |
| Net operating income to assets | 0.9122% | 2,853 |
| Return on assets (ROA) | 0.9136% | 2,896 |
| Pretax return on assets | 1.3174% | 2,322 |
| Return on Equity (ROE) | 11.0041% | 1,649 |
| Retained earnings to average equity (ytd only) | 11.0041% | 440 |
| Net charge-offs to loans | 0.2855% | 710 |
| Credit loss provision to net charge-offs | 110.3753% | 1,886 |
| Earnings coverage of net charge-offs (x) | 7.0390% | 2,647 |
| Efficiency ratio | 64.2045% | 3,636 |
| Assets per employee ($millions) | 3.7415% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,809 |
| Loan loss allowance to noncurrent loans | 151.4415% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 1,443 |
| Noncurrent loans to loans | 0.8140% | 2,374 |
| Net loans and leases to total assets | 77.4572% | 1,321 |
| Net loans and leases to deposits | 98.2770% | 871 |
| Net loans and leases to core deposits | 116.6440% | 693 |
| Total domestic deposits to total assets | 78.8152% | 4,658 |
| Equity capital to assets | 8.5238% | 5,290 |
| Core capital (leverage) ratio | 8.6018% | 5,142 |
| Tier 1 risk-based capital ratio | 10.2082% | 5,576 |
| Total risk-based capital ratio | 11.3714% | 5,545 |
| Memoranda: | ||
| Average total assets | $1,226,537,670 | 622 |
| Average earning assets | $1,135,655,330 | 614 |
| Average equity | $101,835,000 | 811 |
| Average total loans | $951,919,330 | 567 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 1,296 |
| Cost of funding earning assets | 0.8500% | 377 |
| Net interest margin | 3.6816% | 2,554 |
| Noninterest income to average assets | 0.8919% | 1,267 |
| Noninterest expense to average assets | 2.8215% | 2,716 |
| Loan and lease loss provision to assets | 0.2469% | 615 |
| Net operating income to assets | 0.8567% | 2,960 |
| Return on assets (ROA) | 0.8599% | 2,990 |
| Pretax return on assets | 1.2290% | 2,479 |
| Return on Equity (ROE) | 10.5013% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.5013% | 704 |
| Net charge-offs to loans | 0.4764% | 389 |
| Credit loss provision to net charge-offs | 67.1441% | 1,860 |
| Earnings coverage of net charge-offs (x) | 4.0009% | 2,428 |
| Efficiency ratio | 65.7259% | 3,545 |
| Assets per employee ($millions) | 3.9295% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 3,027 |
| Loan loss allowance to noncurrent loans | 228.4192% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 1,793 |
| Noncurrent loans to loans | 0.5330% | 3,213 |
| Net loans and leases to total assets | 76.3478% | 1,355 |
| Net loans and leases to deposits | 95.7286% | 956 |
| Net loans and leases to core deposits | 112.6057% | 743 |
| Total domestic deposits to total assets | 79.7544% | 4,671 |
| Equity capital to assets | 8.2602% | 5,379 |
| Core capital (leverage) ratio | 8.5053% | 5,224 |
| Tier 1 risk-based capital ratio | 10.3205% | 5,615 |
| Total risk-based capital ratio | 11.4799% | 5,584 |
| Memoranda: | ||
| Average total assets | $1,214,969,500 | 629 |
| Average earning assets | $1,122,336,500 | 620 |
| Average equity | $99,492,500 | 827 |
| Average total loans | $937,856,500 | 581 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 1,200 |
| Cost of funding earning assets | 0.8454% | 400 |
| Net interest margin | 3.7892% | 2,354 |
| Noninterest income to average assets | 1.0792% | 970 |
| Noninterest expense to average assets | 2.7730% | 3,110 |
| Loan and lease loss provision to assets | 0.3770% | 432 |
| Net operating income to assets | 1.0764% | 2,006 |
| Return on assets (ROA) | 1.0796% | 2,089 |
| Pretax return on assets | 1.4585% | 1,721 |
| Return on Equity (ROE) | 12.7300% | 1,063 |
| Retained earnings to average equity (ytd only) | 9.8457% | 432 |
| Net charge-offs to loans | 0.1528% | 1,736 |
| Credit loss provision to net charge-offs | 315.0788% | 944 |
| Earnings coverage of net charge-offs (x) | 15.3031% | 2,214 |
| Efficiency ratio | 60.2289% | 4,547 |
| Assets per employee ($millions) | 3.7975% | 4,316 |
| Cash dividends to net income (ytd only)* | 22.6574% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,600 |
| Loan loss allowance to noncurrent loans | 119.2192% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.3294% | 1,308 |
| Noncurrent loans to loans | 1.0827% | 1,923 |
| Net loans and leases to total assets | 76.0972% | 1,502 |
| Net loans and leases to deposits | 96.3167% | 964 |
| Net loans and leases to core deposits | 111.3621% | 814 |
| Total domestic deposits to total assets | 79.0073% | 4,795 |
| Equity capital to assets | 8.1158% | 5,510 |
| Core capital (leverage) ratio | 8.5541% | 5,208 |
| Tier 1 risk-based capital ratio | 10.2111% | 5,681 |
| Total risk-based capital ratio | 11.4333% | 5,638 |
| Memoranda: | ||
| Average total assets | $1,114,014,400 | 646 |
| Average earning assets | $1,036,347,000 | 637 |
| Average equity | $94,477,400 | 849 |
| Average total loans | $872,655,400 | 582 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 1,203 |
| Cost of funding earning assets | 0.8406% | 401 |
| Net interest margin | 3.8030% | 2,319 |
| Noninterest income to average assets | 0.9834% | 1,179 |
| Noninterest expense to average assets | 2.7400% | 3,219 |
| Loan and lease loss provision to assets | 0.3234% | 512 |
| Net operating income to assets | 1.0200% | 2,332 |
| Return on assets (ROA) | 1.0255% | 2,445 |
| Pretax return on assets | 1.4750% | 1,792 |
| Return on Equity (ROE) | 11.9507% | 1,342 |
| Retained earnings to average equity (ytd only) | 10.9907% | 431 |
| Net charge-offs to loans | 0.1196% | 1,757 |
| Credit loss provision to net charge-offs | 343.7095% | 941 |
| Earnings coverage of net charge-offs (x) | 19.0299% | 1,962 |
| Efficiency ratio | 60.4784% | 4,466 |
| Assets per employee ($millions) | 3.7758% | 4,350 |
| Cash dividends to net income (ytd only)* | 8.0329% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 3,134 |
| Loan loss allowance to noncurrent loans | 146.4892% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.2792% | 1,510 |
| Noncurrent loans to loans | 0.8307% | 2,603 |
| Net loans and leases to total assets | 77.9758% | 1,201 |
| Net loans and leases to deposits | 100.1472% | 697 |
| Net loans and leases to core deposits | 116.4170% | 642 |
| Total domestic deposits to total assets | 77.8612% | 4,936 |
| Equity capital to assets | 8.5966% | 5,476 |
| Core capital (leverage) ratio | 8.5858% | 5,278 |
| Tier 1 risk-based capital ratio | 10.1218% | 5,752 |
| Total risk-based capital ratio | 11.2789% | 5,738 |
| Memoranda: | ||
| Average total assets | $1,092,517,750 | 660 |
| Average earning assets | $1,019,042,750 | 649 |
| Average equity | $93,749,250 | 854 |
| Average total loans | $859,542,250 | 583 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 1,184 |
| Cost of funding earning assets | 0.8359% | 405 |
| Net interest margin | 3.8047% | 2,303 |
| Noninterest income to average assets | 0.9970% | 1,126 |
| Noninterest expense to average assets | 2.7338% | 3,260 |
| Loan and lease loss provision to assets | 0.3390% | 483 |
| Net operating income to assets | 1.0252% | 2,272 |
| Return on assets (ROA) | 1.0284% | 2,395 |
| Pretax return on assets | 1.4767% | 1,749 |
| Return on Equity (ROE) | 11.9926% | 1,328 |
| Retained earnings to average equity (ytd only) | 11.1802% | 419 |
| Net charge-offs to loans | 0.1109% | 1,720 |
| Credit loss provision to net charge-offs | 389.1258% | 790 |
| Earnings coverage of net charge-offs (x) | 20.7868% | 1,709 |
| Efficiency ratio | 60.1512% | 4,620 |
| Assets per employee ($millions) | 3.8469% | 4,172 |
| Cash dividends to net income (ytd only)* | 6.7738% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 3,430 |
| Loan loss allowance to noncurrent loans | 180.3874% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 1,692 |
| Noncurrent loans to loans | 0.6582% | 3,101 |
| Net loans and leases to total assets | 78.3431% | 1,155 |
| Net loans and leases to deposits | 98.8179% | 805 |
| Net loans and leases to core deposits | 113.4075% | 749 |
| Total domestic deposits to total assets | 79.2802% | 4,719 |
| Equity capital to assets | 8.6209% | 5,524 |
| Core capital (leverage) ratio | 8.4927% | 5,372 |
| Tier 1 risk-based capital ratio | 10.1650% | 5,799 |
| Total risk-based capital ratio | 11.3022% | 5,778 |
| Memoranda: | ||
| Average total assets | $1,076,593,000 | 666 |
| Average earning assets | $1,003,910,330 | 657 |
| Average equity | $92,323,670 | 864 |
| Average total loans | $846,021,330 | 586 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 1,178 |
| Cost of funding earning assets | 0.8184% | 442 |
| Net interest margin | 3.8160% | 2,234 |
| Noninterest income to average assets | 1.0010% | 1,074 |
| Noninterest expense to average assets | 2.7391% | 3,279 |
| Loan and lease loss provision to assets | 0.3770% | 380 |
| Net operating income to assets | 1.0055% | 2,253 |
| Return on assets (ROA) | 1.0108% | 2,341 |
| Pretax return on assets | 1.4504% | 1,748 |
| Return on Equity (ROE) | 11.8197% | 1,367 |
| Retained earnings to average equity (ytd only) | 10.9380% | 660 |
| Net charge-offs to loans | 0.1248% | 1,359 |
| Credit loss provision to net charge-offs | 386.1004% | 728 |
| Earnings coverage of net charge-offs (x) | 18.6371% | 1,536 |
| Efficiency ratio | 60.0810% | 4,733 |
| Assets per employee ($millions) | 3.9986% | 3,942 |
| Cash dividends to net income (ytd only)* | 7.4599% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 3,728 |
| Loan loss allowance to noncurrent loans | 179.4989% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2714% | 1,699 |
| Noncurrent loans to loans | 0.6441% | 3,241 |
| Net loans and leases to total assets | 78.0071% | 1,099 |
| Net loans and leases to deposits | 97.6071% | 789 |
| Net loans and leases to core deposits | 112.1255% | 742 |
| Total domestic deposits to total assets | 79.9194% | 4,765 |
| Equity capital to assets | 8.5751% | 5,519 |
| Core capital (leverage) ratio | 8.5231% | 5,372 |
| Tier 1 risk-based capital ratio | 10.3227% | 5,819 |
| Total risk-based capital ratio | 11.4417% | 5,795 |
| Memoranda: | ||
| Average total assets | $1,060,935,000 | 675 |
| Average earning assets | $989,213,500 | 667 |
| Average equity | $90,729,500 | 877 |
| Average total loans | $829,832,000 | 593 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 1,212 |
| Cost of funding earning assets | 0.8124% | 461 |
| Net interest margin | 3.8384% | 2,239 |
| Noninterest income to average assets | 0.9544% | 1,307 |
| Noninterest expense to average assets | 2.9330% | 2,753 |
| Loan and lease loss provision to assets | 0.2826% | 638 |
| Net operating income to assets | 0.9209% | 2,755 |
| Return on assets (ROA) | 0.9237% | 2,829 |
| Pretax return on assets | 1.3010% | 2,280 |
| Return on Equity (ROE) | 10.7532% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.8898% | 951 |
| Net charge-offs to loans | 0.4524% | 611 |
| Credit loss provision to net charge-offs | 81.1867% | 2,927 |
| Earnings coverage of net charge-offs (x) | 4.5375% | 3,537 |
| Efficiency ratio | 64.9942% | 4,089 |
| Assets per employee ($millions) | 3.9630% | 4,005 |
| Cash dividends to net income (ytd only)* | 26.6281% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,934 |
| Loan loss allowance to noncurrent loans | 220.2427% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.1906% | 1,821 |
| Noncurrent loans to loans | 0.5082% | 3,663 |
| Net loans and leases to total assets | 76.6275% | 1,318 |
| Net loans and leases to deposits | 96.5079% | 956 |
| Net loans and leases to core deposits | 110.2391% | 840 |
| Total domestic deposits to total assets | 79.4002% | 4,889 |
| Equity capital to assets | 8.5280% | 5,542 |
| Core capital (leverage) ratio | 8.5173% | 5,408 |
| Tier 1 risk-based capital ratio | 10.6790% | 5,688 |
| Total risk-based capital ratio | 11.7784% | 5,680 |
| Memoranda: | ||
| Average total assets | $992,412,400 | 695 |
| Average earning assets | $919,957,000 | 687 |
| Average equity | $85,248,800 | 896 |
| Average total loans | $763,686,400 | 610 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 1,207 |
| Cost of funding earning assets | 0.8110% | 465 |
| Net interest margin | 3.8397% | 2,237 |
| Noninterest income to average assets | 0.9798% | 1,229 |
| Noninterest expense to average assets | 2.9985% | 2,531 |
| Loan and lease loss provision to assets | 0.2452% | 712 |
| Net operating income to assets | 0.9178% | 2,880 |
| Return on assets (ROA) | 0.9214% | 2,943 |
| Pretax return on assets | 1.2962% | 2,416 |
| Return on Equity (ROE) | 10.7053% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.3097% | 585 |
| Net charge-offs to loans | 0.4930% | 485 |
| Credit loss provision to net charge-offs | 64.7482% | 2,848 |
| Earnings coverage of net charge-offs (x) | 4.0576% | 3,406 |
| Efficiency ratio | 66.1221% | 3,878 |
| Assets per employee ($millions) | 3.9313% | 4,020 |
| Cash dividends to net income (ytd only)* | 3.6955% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 4,206 |
| Loan loss allowance to noncurrent loans | 194.9175% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.2724% | 1,836 |
| Noncurrent loans to loans | 0.5661% | 3,643 |
| Net loans and leases to total assets | 76.3837% | 1,334 |
| Net loans and leases to deposits | 96.5678% | 950 |
| Net loans and leases to core deposits | 109.5201% | 901 |
| Total domestic deposits to total assets | 79.0985% | 4,954 |
| Equity capital to assets | 8.5357% | 5,691 |
| Core capital (leverage) ratio | 8.6419% | 5,419 |
| Tier 1 risk-based capital ratio | 10.6986% | 5,800 |
| Total risk-based capital ratio | 11.7749% | 5,804 |
| Memoranda: | ||
| Average total assets | $978,956,000 | 712 |
| Average earning assets | $906,357,500 | 698 |
| Average equity | $84,255,250 | 913 |
| Average total loans | $751,913,000 | 624 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 1,181 |
| Cost of funding earning assets | 0.8159% | 452 |
| Net interest margin | 3.8260% | 2,218 |
| Noninterest income to average assets | 1.0539% | 1,067 |
| Noninterest expense to average assets | 2.9650% | 2,665 |
| Loan and lease loss provision to assets | 0.2492% | 704 |
| Net operating income to assets | 0.9711% | 2,530 |
| Return on assets (ROA) | 0.9721% | 2,635 |
| Pretax return on assets | 1.3776% | 2,075 |
| Return on Equity (ROE) | 11.2621% | 1,600 |
| Retained earnings to average equity (ytd only) | 10.6608% | 552 |
| Net charge-offs to loans | 0.4797% | 527 |
| Credit loss provision to net charge-offs | 67.7583% | 2,489 |
| Earnings coverage of net charge-offs (x) | 4.4201% | 3,044 |
| Efficiency ratio | 64.5920% | 4,260 |
| Assets per employee ($millions) | 3.7272% | 4,367 |
| Cash dividends to net income (ytd only)* | 5.3396% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 3,804 |
| Loan loss allowance to noncurrent loans | 168.1609% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.6626% | 1,439 |
| Noncurrent loans to loans | 0.7124% | 3,353 |
| Net loans and leases to total assets | 76.1408% | 1,345 |
| Net loans and leases to deposits | 97.9782% | 796 |
| Net loans and leases to core deposits | 109.5796% | 855 |
| Total domestic deposits to total assets | 77.7119% | 5,333 |
| Equity capital to assets | 8.5130% | 5,671 |
| Core capital (leverage) ratio | 8.6871% | 5,334 |
| Tier 1 risk-based capital ratio | 10.8576% | 5,779 |
| Total risk-based capital ratio | 12.0286% | 5,752 |
| Memoranda: | ||
| Average total assets | $963,250,000 | 728 |
| Average earning assets | $890,323,000 | 716 |
| Average equity | $83,146,000 | 921 |
| Average total loans | $738,385,000 | 633 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 1,229 |
| Cost of funding earning assets | 0.8213% | 444 |
| Net interest margin | 3.7745% | 2,328 |
| Noninterest income to average assets | 0.9630% | 1,209 |
| Noninterest expense to average assets | 2.9951% | 2,599 |
| Loan and lease loss provision to assets | 0.2529% | 645 |
| Net operating income to assets | 0.8639% | 2,941 |
| Return on assets (ROA) | 0.8660% | 3,038 |
| Pretax return on assets | 1.2061% | 2,643 |
| Return on Equity (ROE) | 9.9613% | 2,025 |
| Retained earnings to average equity (ytd only) | 9.9613% | 939 |
| Net charge-offs to loans | 0.2685% | 890 |
| Credit loss provision to net charge-offs | 123.2033% | 1,423 |
| Earnings coverage of net charge-offs (x) | 7.0945% | 2,207 |
| Efficiency ratio | 67.2884% | 3,938 |
| Assets per employee ($millions) | 3.5925% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 3,180 |
| Loan loss allowance to noncurrent loans | 169.0497% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6932% | 1,486 |
| Noncurrent loans to loans | 0.7938% | 3,263 |
| Net loans and leases to total assets | 75.3947% | 1,292 |
| Net loans and leases to deposits | 96.1062% | 824 |
| Net loans and leases to core deposits | 108.0608% | 822 |
| Total domestic deposits to total assets | 78.4493% | 5,360 |
| Equity capital to assets | 8.7395% | 5,551 |
| Core capital (leverage) ratio | 8.6677% | 5,357 |
| Tier 1 risk-based capital ratio | 11.0300% | 5,794 |
| Total risk-based capital ratio | 12.2808% | 5,722 |
| Memoranda: | ||
| Average total assets | $949,161,000 | 735 |
| Average earning assets | $877,140,500 | 729 |
| Average equity | $82,519,000 | 927 |
| Average total loans | $725,560,500 | 642 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8608% | 993 |
| Cost of funding earning assets | 0.8447% | 524 |
| Net interest margin | 4.0161% | 1,852 |
| Noninterest income to average assets | 0.8794% | 1,570 |
| Noninterest expense to average assets | 3.1453% | 2,377 |
| Loan and lease loss provision to assets | 0.2552% | 878 |
| Net operating income to assets | 0.8448% | 3,141 |
| Return on assets (ROA) | 0.8643% | 3,138 |
| Pretax return on assets | 1.1970% | 2,663 |
| Return on Equity (ROE) | 9.7532% | 2,220 |
| Retained earnings to average equity (ytd only) | 6.8733% | 1,462 |
| Net charge-offs to loans | 0.2985% | 1,475 |
| Credit loss provision to net charge-offs | 114.0395% | 2,090 |
| Earnings coverage of net charge-offs (x) | 6.3680% | 3,215 |
| Efficiency ratio | 68.8184% | 3,750 |
| Assets per employee ($millions) | 3.5305% | 4,850 |
| Cash dividends to net income (ytd only)* | 29.5276% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 3,157 |
| Loan loss allowance to noncurrent loans | 276.8793% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.4770% | 1,858 |
| Noncurrent loans to loans | 0.4891% | 4,194 |
| Net loans and leases to total assets | 75.4294% | 1,350 |
| Net loans and leases to deposits | 96.3247% | 883 |
| Net loans and leases to core deposits | 107.5966% | 919 |
| Total domestic deposits to total assets | 78.3074% | 5,374 |
| Equity capital to assets | 8.6473% | 5,613 |
| Core capital (leverage) ratio | 8.7072% | 5,340 |
| Tier 1 risk-based capital ratio | 11.1664% | 5,835 |
| Total risk-based capital ratio | 12.4177% | 5,772 |
| Memoranda: | ||
| Average total assets | $881,588,200 | 756 |
| Average earning assets | $810,244,400 | 753 |
| Average equity | $78,128,400 | 937 |
| Average total loans | $660,927,600 | 657 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 956 |
| Cost of funding earning assets | 0.8465% | 550 |
| Net interest margin | 4.0405% | 1,749 |
| Noninterest income to average assets | 0.9732% | 1,302 |
| Noninterest expense to average assets | 3.1506% | 2,321 |
| Loan and lease loss provision to assets | 0.2537% | 843 |
| Net operating income to assets | 0.9126% | 2,853 |
| Return on assets (ROA) | 0.9375% | 2,833 |
| Pretax return on assets | 1.3132% | 2,323 |
| Return on Equity (ROE) | 10.5101% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.5101% | 593 |
| Net charge-offs to loans | 0.2722% | 1,443 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | 7.5469% | 2,915 |
| Efficiency ratio | 67.2884% | 3,992 |
| Assets per employee ($millions) | 3.4008% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 3,069 |
| Loan loss allowance to noncurrent loans | 150.3922% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.9281% | 1,512 |
| Noncurrent loans to loans | 0.9457% | 3,198 |
| Net loans and leases to total assets | 75.4809% | 1,288 |
| Net loans and leases to deposits | 95.9944% | 885 |
| Net loans and leases to core deposits | 106.0661% | 956 |
| Total domestic deposits to total assets | 78.6305% | 5,406 |
| Equity capital to assets | 9.1148% | 5,240 |
| Core capital (leverage) ratio | 9.0336% | 5,032 |
| Tier 1 risk-based capital ratio | 11.7311% | 5,658 |
| Total risk-based capital ratio | 12.9831% | 5,576 |
| Memoranda: | ||
| Average total assets | $867,203,750 | 772 |
| Average earning assets | $796,050,500 | 768 |
| Average equity | $77,358,250 | 948 |
| Average total loans | $646,634,250 | 672 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 960 |
| Cost of funding earning assets | 0.8494% | 559 |
| Net interest margin | 4.0211% | 1,754 |
| Noninterest income to average assets | 0.9090% | 1,467 |
| Noninterest expense to average assets | 3.1883% | 2,230 |
| Loan and lease loss provision to assets | 0.2450% | 908 |
| Net operating income to assets | 0.8393% | 3,132 |
| Return on assets (ROA) | 0.8761% | 3,015 |
| Pretax return on assets | 1.2124% | 2,612 |
| Return on Equity (ROE) | 9.8964% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.8964% | 740 |
| Net charge-offs to loans | 0.1352% | 2,319 |
| Credit loss provision to net charge-offs | 245.3271% | 1,004 |
| Earnings coverage of net charge-offs (x) | 14.0794% | 1,935 |
| Efficiency ratio | 69.3925% | 3,760 |
| Assets per employee ($millions) | 3.4495% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 2,941 |
| Loan loss allowance to noncurrent loans | 117.2177% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 2.0406% | 1,557 |
| Noncurrent loans to loans | 1.2728% | 2,679 |
| Net loans and leases to total assets | 74.7037% | 1,350 |
| Net loans and leases to deposits | 95.6109% | 829 |
| Net loans and leases to core deposits | 105.5163% | 925 |
| Total domestic deposits to total assets | 78.1330% | 5,611 |
| Equity capital to assets | 8.8957% | 5,416 |
| Core capital (leverage) ratio | 8.9852% | 5,041 |
| Tier 1 risk-based capital ratio | 11.6198% | 5,731 |
| Total risk-based capital ratio | 12.8728% | 5,681 |
| Memoranda: | ||
| Average total assets | $856,998,000 | 787 |
| Average earning assets | $785,498,670 | 783 |
| Average equity | $75,866,000 | 967 |
| Average total loans | $633,025,670 | 677 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 906 |
| Cost of funding earning assets | 0.8679% | 533 |
| Net interest margin | 4.0074% | 1,734 |
| Noninterest income to average assets | 0.6943% | 2,204 |
| Noninterest expense to average assets | 3.2437% | 2,094 |
| Loan and lease loss provision to assets | 0.2498% | 863 |
| Net operating income to assets | 0.6659% | 3,865 |
| Return on assets (ROA) | 0.6724% | 3,914 |
| Pretax return on assets | 0.8790% | 3,785 |
| Return on Equity (ROE) | 7.6158% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.6158% | 1,762 |
| Net charge-offs to loans | 0.1372% | 1,891 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 11.2095% | 1,795 |
| Efficiency ratio | 74.3293% | 3,078 |
| Assets per employee ($millions) | 3.4542% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 2,967 |
| Loan loss allowance to noncurrent loans | 247.5152% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 1.5806% | 2,229 |
| Noncurrent loans to loans | 0.6224% | 4,305 |
| Net loans and leases to total assets | 72.5356% | 1,490 |
| Net loans and leases to deposits | 90.0761% | 1,141 |
| Net loans and leases to core deposits | 99.3962% | 1,145 |
| Total domestic deposits to total assets | 80.5269% | 5,379 |
| Equity capital to assets | 8.7928% | 5,346 |
| Core capital (leverage) ratio | 9.0277% | 4,968 |
| Tier 1 risk-based capital ratio | 12.0807% | 5,587 |
| Total risk-based capital ratio | 13.3345% | 5,522 |
| Memoranda: | ||
| Average total assets | $840,513,500 | 810 |
| Average earning assets | $769,672,000 | 804 |
| Average equity | $74,214,500 | 984 |
| Average total loans | $612,085,000 | 708 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0856% | 781 |
| Cost of funding earning assets | 0.9672% | 533 |
| Net interest margin | 4.1184% | 1,595 |
| Noninterest income to average assets | 0.9536% | 1,512 |
| Noninterest expense to average assets | 3.1900% | 2,445 |
| Loan and lease loss provision to assets | 0.2594% | 1,380 |
| Net operating income to assets | 0.8704% | 2,925 |
| Return on assets (ROA) | 0.8909% | 2,921 |
| Pretax return on assets | 1.2640% | 2,300 |
| Return on Equity (ROE) | 9.8014% | 2,193 |
| Retained earnings to average equity (ytd only) | 7.0509% | 1,415 |
| Net charge-offs to loans | 0.3361% | 1,997 |
| Credit loss provision to net charge-offs | 104.3763% | 2,321 |
| Earnings coverage of net charge-offs (x) | 6.0126% | 3,152 |
| Efficiency ratio | 68.1024% | 4,182 |
| Assets per employee ($millions) | 3.3645% | 5,169 |
| Cash dividends to net income (ytd only)* | 28.0623% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 2,764 |
| Loan loss allowance to noncurrent loans | 258.3265% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5140% | 2,452 |
| Noncurrent loans to loans | 0.6193% | 4,430 |
| Net loans and leases to total assets | 70.7837% | 1,886 |
| Net loans and leases to deposits | 88.8623% | 1,369 |
| Net loans and leases to core deposits | 98.3446% | 1,280 |
| Total domestic deposits to total assets | 79.6555% | 5,519 |
| Equity capital to assets | 8.8683% | 5,183 |
| Core capital (leverage) ratio | 9.1363% | 4,801 |
| Tier 1 risk-based capital ratio | 12.5399% | 5,265 |
| Total risk-based capital ratio | 13.7940% | 5,219 |
| Memoranda: | ||
| Average total assets | $799,993,400 | 829 |
| Average earning assets | $724,650,400 | 842 |
| Average equity | $72,714,200 | 981 |
| Average total loans | $591,569,000 | 702 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1202% | 746 |
| Cost of funding earning assets | 0.9891% | 520 |
| Net interest margin | 4.1311% | 1,531 |
| Noninterest income to average assets | 0.6851% | 2,702 |
| Noninterest expense to average assets | 2.8892% | 3,342 |
| Loan and lease loss provision to assets | 0.2684% | 1,313 |
| Net operating income to assets | 0.8844% | 2,914 |
| Return on assets (ROA) | 0.9049% | 2,919 |
| Pretax return on assets | 1.2916% | 2,365 |
| Return on Equity (ROE) | 9.8935% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.8935% | 813 |
| Net charge-offs to loans | 0.4449% | 1,443 |
| Credit loss provision to net charge-offs | 81.0127% | 2,827 |
| Earnings coverage of net charge-offs (x) | 4.6197% | 3,397 |
| Efficiency ratio | 65.3686% | 4,596 |
| Assets per employee ($millions) | 3.5495% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 3,323 |
| Loan loss allowance to noncurrent loans | 267.7294% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4670% | 2,741 |
| Noncurrent loans to loans | 0.5725% | 4,771 |
| Net loans and leases to total assets | 71.0172% | 1,776 |
| Net loans and leases to deposits | 88.3962% | 1,325 |
| Net loans and leases to core deposits | 97.4808% | 1,276 |
| Total domestic deposits to total assets | 80.3396% | 5,415 |
| Equity capital to assets | 9.0528% | 5,120 |
| Core capital (leverage) ratio | 9.2578% | 4,741 |
| Tier 1 risk-based capital ratio | 12.4215% | 5,505 |
| Total risk-based capital ratio | 13.6744% | 5,439 |
| Memoranda: | ||
| Average total assets | $794,760,250 | 841 |
| Average earning assets | $718,494,000 | 852 |
| Average equity | $72,692,250 | 988 |
| Average total loans | $591,829,000 | 704 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1547% | 688 |
| Cost of funding earning assets | 1.0139% | 510 |
| Net interest margin | 4.1409% | 1,433 |
| Noninterest income to average assets | 0.6438% | 2,945 |
| Noninterest expense to average assets | 2.9272% | 3,250 |
| Loan and lease loss provision to assets | 0.2916% | 1,244 |
| Net operating income to assets | 0.8267% | 3,163 |
| Return on assets (ROA) | 0.8522% | 3,181 |
| Pretax return on assets | 1.2080% | 2,637 |
| Return on Equity (ROE) | 9.2852% | 2,503 |
| Retained earnings to average equity (ytd only) | 9.2852% | 1,034 |
| Net charge-offs to loans | 0.3460% | 1,803 |
| Credit loss provision to net charge-offs | 111.9766% | 1,984 |
| Earnings coverage of net charge-offs (x) | 5.6203% | 2,854 |
| Efficiency ratio | 66.6667% | 4,415 |
| Assets per employee ($millions) | 3.3987% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 3,161 |
| Loan loss allowance to noncurrent loans | 179.5343% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.7748% | 2,449 |
| Noncurrent loans to loans | 0.8916% | 4,143 |
| Net loans and leases to total assets | 73.9344% | 1,258 |
| Net loans and leases to deposits | 92.9289% | 887 |
| Net loans and leases to core deposits | 102.7305% | 901 |
| Total domestic deposits to total assets | 79.5602% | 5,703 |
| Equity capital to assets | 9.1286% | 5,067 |
| Core capital (leverage) ratio | 9.1958% | 4,703 |
| Tier 1 risk-based capital ratio | 12.0765% | 5,751 |
| Total risk-based capital ratio | 13.3304% | 5,695 |
| Memoranda: | ||
| Average total assets | $788,736,000 | 850 |
| Average earning assets | $713,712,330 | 859 |
| Average equity | $72,395,000 | 994 |
| Average total loans | $593,693,330 | 702 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 770 |
| Cost of funding earning assets | 1.0330% | 515 |
| Net interest margin | 4.0467% | 1,626 |
| Noninterest income to average assets | 0.3149% | 5,175 |
| Noninterest expense to average assets | 2.9658% | 3,093 |
| Loan and lease loss provision to assets | 0.3042% | 1,127 |
| Net operating income to assets | 0.5471% | 4,465 |
| Return on assets (ROA) | 0.5471% | 4,618 |
| Pretax return on assets | 0.7195% | 4,489 |
| Return on Equity (ROE) | 5.9446% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.9446% | 2,708 |
| Net charge-offs to loans | 0.2551% | 1,937 |
| Credit loss provision to net charge-offs | 158.3113% | 1,311 |
| Earnings coverage of net charge-offs (x) | 5.3272% | 2,377 |
| Efficiency ratio | 74.3391% | 3,206 |
| Assets per employee ($millions) | 3.5218% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 3,395 |
| Loan loss allowance to noncurrent loans | 160.3515% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 2.0437% | 2,292 |
| Noncurrent loans to loans | 0.9986% | 4,133 |
| Net loans and leases to total assets | 73.9737% | 1,080 |
| Net loans and leases to deposits | 93.0002% | 728 |
| Net loans and leases to core deposits | 103.1930% | 755 |
| Total domestic deposits to total assets | 79.5414% | 5,861 |
| Equity capital to assets | 9.1678% | 5,295 |
| Core capital (leverage) ratio | 8.9830% | 4,916 |
| Tier 1 risk-based capital ratio | 11.4778% | 6,198 |
| Total risk-based capital ratio | 12.7316% | 6,171 |
| Memoranda: | ||
| Average total assets | $788,859,000 | 854 |
| Average earning assets | $716,339,000 | 856 |
| Average equity | $72,603,500 | 1,003 |
| Average total loans | $594,316,000 | 701 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4076% | 745 |
| Cost of funding earning assets | 1.2821% | 400 |
| Net interest margin | 4.1256% | 1,899 |
| Noninterest income to average assets | 0.7792% | 2,352 |
| Noninterest expense to average assets | 2.9502% | 3,466 |
| Loan and lease loss provision to assets | 0.3747% | 1,746 |
| Net operating income to assets | 0.8611% | 2,998 |
| Return on assets (ROA) | 0.8975% | 3,069 |
| Pretax return on assets | 1.3003% | 2,393 |
| Return on Equity (ROE) | 9.6866% | 2,323 |
| Retained earnings to average equity (ytd only) | 6.8485% | 1,643 |
| Net charge-offs to loans | 0.1793% | 3,940 |
| Credit loss provision to net charge-offs | 275.8955% | 870 |
| Earnings coverage of net charge-offs (x) | 11.9439% | 1,983 |
| Efficiency ratio | 64.5205% | 4,793 |
| Assets per employee ($millions) | 3.4592% | 5,088 |
| Cash dividends to net income (ytd only)* | 29.2997% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 3,379 |
| Loan loss allowance to noncurrent loans | 169.4731% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 2.0806% | 2,358 |
| Noncurrent loans to loans | 0.9357% | 4,319 |
| Net loans and leases to total assets | 74.3056% | 1,152 |
| Net loans and leases to deposits | 92.2260% | 896 |
| Net loans and leases to core deposits | 103.3443% | 822 |
| Total domestic deposits to total assets | 80.5691% | 5,525 |
| Equity capital to assets | 9.2401% | 5,223 |
| Core capital (leverage) ratio | 8.9700% | 4,948 |
| Tier 1 risk-based capital ratio | 11.3500% | 6,189 |
| Total risk-based capital ratio | 12.6035% | 6,162 |
| Memoranda: | ||
| Average total assets | $760,533,200 | 876 |
| Average earning assets | $699,269,600 | 864 |
| Average equity | $70,468,200 | 996 |
| Average total loans | $576,087,800 | 718 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4310% | 782 |
| Cost of funding earning assets | 1.3345% | 382 |
| Net interest margin | 4.0964% | 2,105 |
| Noninterest income to average assets | 0.8268% | 2,135 |
| Noninterest expense to average assets | 2.9682% | 3,346 |
| Loan and lease loss provision to assets | 0.3443% | 1,904 |
| Net operating income to assets | 0.8958% | 3,000 |
| Return on assets (ROA) | 0.9219% | 3,096 |
| Pretax return on assets | 1.3313% | 2,492 |
| Return on Equity (ROE) | 9.9428% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.9428% | 931 |
| Net charge-offs to loans | 0.1644% | 3,810 |
| Credit loss provision to net charge-offs | 276.2040% | 982 |
| Earnings coverage of net charge-offs (x) | 13.1402% | 1,946 |
| Efficiency ratio | 64.4423% | 4,729 |
| Assets per employee ($millions) | 3.4780% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,932 |
| Loan loss allowance to noncurrent loans | 174.7613% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 2.2902% | 2,321 |
| Noncurrent loans to loans | 0.8612% | 4,696 |
| Net loans and leases to total assets | 73.4853% | 1,319 |
| Net loans and leases to deposits | 90.2345% | 1,120 |
| Net loans and leases to core deposits | 101.8571% | 993 |
| Total domestic deposits to total assets | 81.4381% | 5,217 |
| Equity capital to assets | 9.3406% | 5,419 |
| Core capital (leverage) ratio | 9.1357% | 4,856 |
| Tier 1 risk-based capital ratio | 11.8042% | 6,051 |
| Total risk-based capital ratio | 13.0570% | 6,030 |
| Memoranda: | ||
| Average total assets | $755,219,000 | 886 |
| Average earning assets | $696,750,000 | 873 |
| Average equity | $70,025,750 | 1,009 |
| Average total loans | $572,541,250 | 723 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4637% | 777 |
| Cost of funding earning assets | 1.3933% | 356 |
| Net interest margin | 4.0705% | 2,203 |
| Noninterest income to average assets | 0.7742% | 2,319 |
| Noninterest expense to average assets | 2.9760% | 3,350 |
| Loan and lease loss provision to assets | 0.3217% | 2,051 |
| Net operating income to assets | 0.8621% | 3,076 |
| Return on assets (ROA) | 0.8892% | 3,225 |
| Pretax return on assets | 1.2789% | 2,633 |
| Return on Equity (ROE) | 9.6142% | 2,525 |
| Retained earnings to average equity (ytd only) | 9.6142% | 1,079 |
| Net charge-offs to loans | 0.0264% | 5,018 |
| Credit loss provision to net charge-offs | 1,600.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 77.6933% | 527 |
| Efficiency ratio | 65.5798% | 4,604 |
| Assets per employee ($millions) | 3.2734% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,931 |
| Loan loss allowance to noncurrent loans | 156.2928% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 2.3908% | 2,339 |
| Noncurrent loans to loans | 0.9710% | 4,574 |
| Net loans and leases to total assets | 75.3697% | 1,053 |
| Net loans and leases to deposits | 92.4625% | 889 |
| Net loans and leases to core deposits | 103.9620% | 858 |
| Total domestic deposits to total assets | 81.5138% | 5,291 |
| Equity capital to assets | 9.4691% | 5,106 |
| Core capital (leverage) ratio | 9.1060% | 4,754 |
| Tier 1 risk-based capital ratio | 11.7730% | 6,076 |
| Total risk-based capital ratio | 13.0261% | 6,052 |
| Memoranda: | ||
| Average total assets | $746,105,000 | 899 |
| Average earning assets | $689,893,330 | 877 |
| Average equity | $69,002,330 | 1,018 |
| Average total loans | $568,770,330 | 732 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4089% | 895 |
| Cost of funding earning assets | 1.4438% | 359 |
| Net interest margin | 3.9651% | 2,649 |
| Noninterest income to average assets | 0.7131% | 2,594 |
| Noninterest expense to average assets | 2.8998% | 3,625 |
| Loan and lease loss provision to assets | 0.3217% | 1,954 |
| Net operating income to assets | 0.8199% | 3,300 |
| Return on assets (ROA) | 0.8300% | 3,482 |
| Pretax return on assets | 1.1818% | 2,977 |
| Return on Equity (ROE) | 9.0834% | 2,790 |
| Retained earnings to average equity (ytd only) | 9.0834% | 1,560 |
| Net charge-offs to loans | -1.1030% | 7,223 |
| Credit loss provision to net charge-offs | -38.3387% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0721% | 4,545 |
| Assets per employee ($millions) | 3.5057% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 3,376 |
| Loan loss allowance to noncurrent loans | 103.8511% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 2.6378% | 2,241 |
| Noncurrent loans to loans | 1.6306% | 3,665 |
| Net loans and leases to total assets | 74.7748% | 951 |
| Net loans and leases to deposits | 91.9942% | 798 |
| Net loans and leases to core deposits | 103.7328% | 779 |
| Total domestic deposits to total assets | 81.2821% | 5,525 |
| Equity capital to assets | 9.1495% | 5,291 |
| Core capital (leverage) ratio | 8.9237% | 4,958 |
| Tier 1 risk-based capital ratio | 11.6706% | 6,179 |
| Total risk-based capital ratio | 12.9263% | 6,149 |
| Memoranda: | ||
| Average total assets | $745,992,500 | 902 |
| Average earning assets | $691,526,000 | 878 |
| Average equity | $68,168,000 | 1,026 |
| Average total loans | $567,568,000 | 734 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 999 |
| Cost of funding earning assets | 1.6525% | 391 |
| Net interest margin | 3.9230% | 3,239 |
| Noninterest income to average assets | 0.7453% | 2,362 |
| Noninterest expense to average assets | 2.8301% | 4,235 |
| Loan and lease loss provision to assets | 0.6096% | 1,696 |
| Net operating income to assets | 0.7031% | 3,476 |
| Return on assets (ROA) | 0.6995% | 3,677 |
| Pretax return on assets | 0.9616% | 3,386 |
| Return on Equity (ROE) | 7.8788% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.8788% | 1,121 |
| Net charge-offs to loans | 0.7949% | 2,172 |
| Credit loss provision to net charge-offs | 100.3896% | 3,480 |
| Earnings coverage of net charge-offs (x) | 2.5955% | 3,918 |
| Efficiency ratio | 64.2302% | 5,087 |
| Assets per employee ($millions) | 3.3711% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 4,695 |
| Loan loss allowance to noncurrent loans | 42.2530% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 2.9862% | 2,015 |
| Noncurrent loans to loans | 3.1775% | 2,038 |
| Net loans and leases to total assets | 75.0804% | 1,081 |
| Net loans and leases to deposits | 92.7089% | 907 |
| Net loans and leases to core deposits | 105.4810% | 820 |
| Total domestic deposits to total assets | 80.9851% | 5,451 |
| Equity capital to assets | 9.1260% | 5,379 |
| Core capital (leverage) ratio | 8.8922% | 4,957 |
| Tier 1 risk-based capital ratio | 11.9100% | 5,892 |
| Total risk-based capital ratio | 13.1616% | 5,871 |
| Memoranda: | ||
| Average total assets | $718,493,800 | 913 |
| Average earning assets | $670,485,000 | 888 |
| Average equity | $63,791,200 | 1,056 |
| Average total loans | $548,901,800 | 770 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6081% | 1,016 |
| Cost of funding earning assets | 1.6914% | 407 |
| Net interest margin | 3.9167% | 3,298 |
| Noninterest income to average assets | 0.7497% | 2,318 |
| Noninterest expense to average assets | 2.7998% | 4,344 |
| Loan and lease loss provision to assets | 0.6895% | 1,402 |
| Net operating income to assets | 0.6746% | 3,743 |
| Return on assets (ROA) | 0.6615% | 3,988 |
| Pretax return on assets | 0.8997% | 3,769 |
| Return on Equity (ROE) | 7.5043% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.5043% | 1,706 |
| Net charge-offs to loans | 0.9669% | 1,660 |
| Credit loss provision to net charge-offs | 93.2525% | 3,655 |
| Earnings coverage of net charge-offs (x) | 2.1734% | 4,040 |
| Efficiency ratio | 63.5346% | 5,150 |
| Assets per employee ($millions) | 3.3581% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 4,958 |
| Loan loss allowance to noncurrent loans | 64.5474% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.1778% | 2,928 |
| Noncurrent loans to loans | 2.0325% | 3,327 |
| Net loans and leases to total assets | 74.9361% | 1,153 |
| Net loans and leases to deposits | 93.8483% | 849 |
| Net loans and leases to core deposits | 106.4623% | 840 |
| Total domestic deposits to total assets | 79.8481% | 5,778 |
| Equity capital to assets | 9.0633% | 5,673 |
| Core capital (leverage) ratio | 8.8053% | 5,259 |
| Tier 1 risk-based capital ratio | 11.7700% | 6,057 |
| Total risk-based capital ratio | 13.0212% | 6,052 |
| Memoranda: | ||
| Average total assets | $713,551,750 | 923 |
| Average earning assets | $666,258,750 | 894 |
| Average equity | $62,895,500 | 1,078 |
| Average total loans | $545,669,000 | 779 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5678% | 1,131 |
| Cost of funding earning assets | 1.7142% | 445 |
| Net interest margin | 3.8536% | 3,517 |
| Noninterest income to average assets | 0.7232% | 2,417 |
| Noninterest expense to average assets | 2.7918% | 4,460 |
| Loan and lease loss provision to assets | 0.8469% | 1,066 |
| Net operating income to assets | 0.5318% | 4,370 |
| Return on assets (ROA) | 0.5095% | 4,597 |
| Pretax return on assets | 0.6529% | 4,566 |
| Return on Equity (ROE) | 5.8371% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.8371% | 2,523 |
| Net charge-offs to loans | 1.3047% | 1,174 |
| Credit loss provision to net charge-offs | 84.6740% | 3,631 |
| Earnings coverage of net charge-offs (x) | 1.5281% | 4,149 |
| Efficiency ratio | 64.6236% | 5,126 |
| Assets per employee ($millions) | 3.3375% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 5,115 |
| Loan loss allowance to noncurrent loans | 53.1309% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.4776% | 2,696 |
| Noncurrent loans to loans | 2.4230% | 2,964 |
| Net loans and leases to total assets | 75.3199% | 1,184 |
| Net loans and leases to deposits | 93.4547% | 910 |
| Net loans and leases to core deposits | 105.8818% | 938 |
| Total domestic deposits to total assets | 80.5951% | 5,647 |
| Equity capital to assets | 8.9752% | 5,615 |
| Core capital (leverage) ratio | 8.6467% | 5,311 |
| Tier 1 risk-based capital ratio | 11.7424% | 5,980 |
| Total risk-based capital ratio | 12.9934% | 5,982 |
| Memoranda: | ||
| Average total assets | $708,500,670 | 933 |
| Average earning assets | $661,298,330 | 914 |
| Average equity | $61,845,670 | 1,093 |
| Average total loans | $543,118,000 | 792 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5150% | 1,257 |
| Cost of funding earning assets | 1.7220% | 506 |
| Net interest margin | 3.7930% | 3,651 |
| Noninterest income to average assets | 0.6701% | 2,728 |
| Noninterest expense to average assets | 2.7575% | 4,617 |
| Loan and lease loss provision to assets | 1.3064% | 522 |
| Net operating income to assets | 0.2256% | 5,701 |
| Return on assets (ROA) | 0.1386% | 6,035 |
| Pretax return on assets | 0.0543% | 6,257 |
| Return on Equity (ROE) | 1.6101% | 5,938 |
| Retained earnings to average equity (ytd only) | 1.6101% | 5,147 |
| Net charge-offs to loans | 2.4178% | 489 |
| Credit loss provision to net charge-offs | 70.3196% | 3,346 |
| Earnings coverage of net charge-offs (x) | 0.7793% | 4,057 |
| Efficiency ratio | 65.5729% | 5,113 |
| Assets per employee ($millions) | 3.6246% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 5,568 |
| Loan loss allowance to noncurrent loans | 61.5464% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.2134% | 3,049 |
| Noncurrent loans to loans | 1.9715% | 3,610 |
| Net loans and leases to total assets | 75.8493% | 1,047 |
| Net loans and leases to deposits | 94.0378% | 820 |
| Net loans and leases to core deposits | 108.7097% | 802 |
| Total domestic deposits to total assets | 80.6583% | 5,766 |
| Equity capital to assets | 8.7022% | 5,656 |
| Core capital (leverage) ratio | 8.4373% | 5,565 |
| Tier 1 risk-based capital ratio | 11.6596% | 5,971 |
| Total risk-based capital ratio | 12.9095% | 5,960 |
| Memoranda: | ||
| Average total assets | $707,306,500 | 946 |
| Average earning assets | $659,215,000 | 922 |
| Average equity | $60,866,500 | 1,098 |
| Average total loans | $543,465,000 | 797 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9228% | 993 |
| Cost of funding earning assets | 2.0087% | 588 |
| Net interest margin | 3.9141% | 3,424 |
| Noninterest income to average assets | 0.8119% | 2,220 |
| Noninterest expense to average assets | 2.6603% | 5,179 |
| Loan and lease loss provision to assets | 0.5871% | 2,787 |
| Net operating income to assets | 0.8991% | 2,390 |
| Return on assets (ROA) | 0.9369% | 2,380 |
| Pretax return on assets | 1.2706% | 2,015 |
| Return on Equity (ROE) | 11.3967% | 1,482 |
| Retained earnings to average equity (ytd only) | 11.3967% | 343 |
| Net charge-offs to loans | 0.3992% | 4,042 |
| Credit loss provision to net charge-offs | 188.7197% | 1,714 |
| Earnings coverage of net charge-offs (x) | 5.8072% | 2,533 |
| Efficiency ratio | 59.5551% | 6,114 |
| Assets per employee ($millions) | 3.5932% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 4,635 |
| Loan loss allowance to noncurrent loans | 77.7055% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 2.5975% | 2,685 |
| Noncurrent loans to loans | 1.7703% | 3,855 |
| Net loans and leases to total assets | 75.8324% | 1,311 |
| Net loans and leases to deposits | 94.2336% | 1,041 |
| Net loans and leases to core deposits | 109.4281% | 952 |
| Total domestic deposits to total assets | 80.4728% | 5,696 |
| Equity capital to assets | 8.5097% | 5,844 |
| Core capital (leverage) ratio | 8.4299% | 5,483 |
| Tier 1 risk-based capital ratio | 11.4205% | 5,974 |
| Total risk-based capital ratio | 12.6728% | 5,969 |
| Memoranda: | ||
| Average total assets | $675,338,000 | 981 |
| Average earning assets | $630,647,600 | 956 |
| Average equity | $55,516,000 | 1,203 |
| Average total loans | $526,363,200 | 850 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9636% | 1,002 |
| Cost of funding earning assets | 2.0582% | 615 |
| Net interest margin | 3.9053% | 3,508 |
| Noninterest income to average assets | 0.7904% | 2,285 |
| Noninterest expense to average assets | 2.6337% | 5,182 |
| Loan and lease loss provision to assets | 0.4122% | 3,432 |
| Net operating income to assets | 0.9605% | 2,371 |
| Return on assets (ROA) | 1.0067% | 2,329 |
| Pretax return on assets | 1.4651% | 1,702 |
| Return on Equity (ROE) | 12.3625% | 1,411 |
| Retained earnings to average equity (ytd only) | 12.3625% | 418 |
| Net charge-offs to loans | 0.2714% | 4,319 |
| Credit loss provision to net charge-offs | 194.1565% | 1,838 |
| Earnings coverage of net charge-offs (x) | 8.5269% | 2,147 |
| Efficiency ratio | 59.2643% | 6,070 |
| Assets per employee ($millions) | 3.6185% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 5,371 |
| Loan loss allowance to noncurrent loans | 74.7923% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 2.1157% | 3,313 |
| Noncurrent loans to loans | 1.6377% | 4,191 |
| Net loans and leases to total assets | 76.5179% | 1,309 |
| Net loans and leases to deposits | 96.0217% | 977 |
| Net loans and leases to core deposits | 111.4362% | 960 |
| Total domestic deposits to total assets | 79.6882% | 5,811 |
| Equity capital to assets | 8.7531% | 5,932 |
| Core capital (leverage) ratio | 8.4443% | 5,621 |
| Tier 1 risk-based capital ratio | 11.2999% | 6,099 |
| Total risk-based capital ratio | 12.5457% | 6,099 |
| Memoranda: | ||
| Average total assets | $666,310,500 | 1,003 |
| Average earning assets | $623,370,500 | 975 |
| Average equity | $54,259,500 | 1,231 |
| Average total loans | $521,195,750 | 866 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9998% | 950 |
| Cost of funding earning assets | 2.0924% | 675 |
| Net interest margin | 3.9073% | 3,412 |
| Noninterest income to average assets | 0.7802% | 2,233 |
| Noninterest expense to average assets | 2.6289% | 5,210 |
| Loan and lease loss provision to assets | 0.4095% | 3,270 |
| Net operating income to assets | 0.9600% | 2,331 |
| Return on assets (ROA) | 1.0070% | 2,244 |
| Pretax return on assets | 1.4636% | 1,661 |
| Return on Equity (ROE) | 12.7063% | 1,310 |
| Retained earnings to average equity (ytd only) | 12.7063% | 412 |
| Net charge-offs to loans | 0.1238% | 4,948 |
| Credit loss provision to net charge-offs | 421.3836% | 864 |
| Earnings coverage of net charge-offs (x) | 18.5723% | 1,283 |
| Efficiency ratio | 59.2914% | 6,175 |
| Assets per employee ($millions) | 3.7063% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 5,102 |
| Loan loss allowance to noncurrent loans | 75.7222% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.8384% | 3,712 |
| Noncurrent loans to loans | 1.6712% | 4,184 |
| Net loans and leases to total assets | 76.4703% | 1,400 |
| Net loans and leases to deposits | 95.8785% | 1,060 |
| Net loans and leases to core deposits | 112.7073% | 994 |
| Total domestic deposits to total assets | 79.7575% | 5,803 |
| Equity capital to assets | 8.2226% | 6,509 |
| Core capital (leverage) ratio | 8.0079% | 6,266 |
| Tier 1 risk-based capital ratio | 10.4287% | 6,739 |
| Total risk-based capital ratio | 11.6562% | 6,746 |
| Memoranda: | ||
| Average total assets | $654,417,000 | 1,035 |
| Average earning assets | $611,924,670 | 1,007 |
| Average equity | $51,864,000 | 1,283 |
| Average total loans | $513,657,670 | 887 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0060% | 976 |
| Cost of funding earning assets | 2.1171% | 766 |
| Net interest margin | 3.8889% | 3,379 |
| Noninterest income to average assets | 0.7268% | 2,425 |
| Noninterest expense to average assets | 2.6123% | 5,303 |
| Loan and lease loss provision to assets | 0.3871% | 3,038 |
| Net operating income to assets | 0.9401% | 2,393 |
| Return on assets (ROA) | 1.0246% | 2,155 |
| Pretax return on assets | 1.4854% | 1,549 |
| Return on Equity (ROE) | 13.1916% | 1,216 |
| Retained earnings to average equity (ytd only) | 13.1916% | 596 |
| Net charge-offs to loans | 0.0632% | 4,782 |
| Credit loss provision to net charge-offs | 775.0000% | 583 |
| Earnings coverage of net charge-offs (x) | 35.0375% | 778 |
| Efficiency ratio | 59.8826% | 6,198 |
| Assets per employee ($millions) | 3.8237% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 5,496 |
| Loan loss allowance to noncurrent loans | 89.4691% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4204% | 4,379 |
| Noncurrent loans to loans | 1.3417% | 4,734 |
| Net loans and leases to total assets | 78.0712% | 1,144 |
| Net loans and leases to deposits | 98.4021% | 872 |
| Net loans and leases to core deposits | 118.8775% | 829 |
| Total domestic deposits to total assets | 79.3389% | 6,003 |
| Equity capital to assets | 8.0806% | 6,569 |
| Core capital (leverage) ratio | 7.9989% | 6,242 |
| Tier 1 risk-based capital ratio | 10.3090% | 6,802 |
| Total risk-based capital ratio | 11.5592% | 6,796 |
| Memoranda: | ||
| Average total assets | $640,649,500 | 1,083 |
| Average earning assets | $598,935,000 | 1,049 |
| Average equity | $49,759,000 | 1,344 |
| Average total loans | $506,399,000 | 925 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4264% | 778 |
| Cost of funding earning assets | 2.5259% | 960 |
| Net interest margin | 3.9005% | 3,267 |
| Noninterest income to average assets | 0.8374% | 2,237 |
| Noninterest expense to average assets | 2.7070% | 5,358 |
| Loan and lease loss provision to assets | 0.3653% | 4,608 |
| Net operating income to assets | 0.9869% | 1,883 |
| Return on assets (ROA) | 1.0275% | 1,797 |
| Pretax return on assets | 1.4821% | 1,227 |
| Return on Equity (ROE) | 13.8049% | 818 |
| Retained earnings to average equity (ytd only) | 12.9260% | 160 |
| Net charge-offs to loans | 0.2752% | 4,904 |
| Credit loss provision to net charge-offs | 168.8924% | 2,535 |
| Earnings coverage of net charge-offs (x) | 8.2687% | 1,966 |
| Efficiency ratio | 60.2147% | 6,457 |
| Assets per employee ($millions) | 3.7348% | 4,436 |
| Cash dividends to net income (ytd only)* | 6.3668% | 3,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,683 |
| Loan loss allowance to noncurrent loans | 176.5513% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 5,235 |
| Noncurrent loans to loans | 0.6464% | 5,944 |
| Net loans and leases to total assets | 78.1682% | 1,342 |
| Net loans and leases to deposits | 100.9029% | 836 |
| Net loans and leases to core deposits | 171.3814% | 225 |
| Total domestic deposits to total assets | 77.4687% | 6,353 |
| Equity capital to assets | 7.4401% | 7,086 |
| Core capital (leverage) ratio | 7.3911% | 6,898 |
| Tier 1 risk-based capital ratio | 9.5379% | 7,202 |
| Total risk-based capital ratio | 10.7167% | 7,226 |
| Memoranda: | ||
| Average total assets | $588,508,600 | 1,169 |
| Average earning assets | $551,954,400 | 1,142 |
| Average equity | $43,803,200 | 1,528 |
| Average total loans | $462,615,400 | 1,041 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4737% | 797 |
| Cost of funding earning assets | 2.6101% | 1,009 |
| Net interest margin | 3.8635% | 3,373 |
| Noninterest income to average assets | 0.8335% | 2,272 |
| Noninterest expense to average assets | 2.7404% | 5,145 |
| Loan and lease loss provision to assets | 0.2534% | 4,925 |
| Net operating income to assets | 1.0109% | 2,015 |
| Return on assets (ROA) | 1.0650% | 1,897 |
| Pretax return on assets | 1.5444% | 1,291 |
| Return on Equity (ROE) | 14.3068% | 874 |
| Retained earnings to average equity (ytd only) | 13.4248% | 230 |
| Net charge-offs to loans | 0.1441% | 5,252 |
| Credit loss provision to net charge-offs | 224.0326% | 1,953 |
| Earnings coverage of net charge-offs (x) | 15.2016% | 1,548 |
| Efficiency ratio | 61.4463% | 6,205 |
| Assets per employee ($millions) | 3.6001% | 4,687 |
| Cash dividends to net income (ytd only)* | 6.1648% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 5,559 |
| Loan loss allowance to noncurrent loans | 115.6270% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.9839% | 5,093 |
| Noncurrent loans to loans | 0.9740% | 5,353 |
| Net loans and leases to total assets | 76.9270% | 1,797 |
| Net loans and leases to deposits | 99.6178% | 1,139 |
| Net loans and leases to core deposits | 171.9972% | 257 |
| Total domestic deposits to total assets | 77.2222% | 6,284 |
| Equity capital to assets | 7.4290% | 7,355 |
| Core capital (leverage) ratio | 7.3019% | 7,185 |
| Tier 1 risk-based capital ratio | 9.8725% | 7,078 |
| Total risk-based capital ratio | 11.0696% | 7,090 |
| Memoranda: | ||
| Average total assets | $578,772,750 | 1,207 |
| Average earning assets | $543,252,000 | 1,177 |
| Average equity | $43,083,250 | 1,570 |
| Average total loans | $454,236,750 | 1,073 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5291% | 772 |
| Cost of funding earning assets | 2.6783% | 1,083 |
| Net interest margin | 3.8508% | 3,337 |
| Noninterest income to average assets | 0.8625% | 2,136 |
| Noninterest expense to average assets | 2.7616% | 5,124 |
| Loan and lease loss provision to assets | 0.2560% | 4,528 |
| Net operating income to assets | 1.0020% | 2,097 |
| Return on assets (ROA) | 1.0743% | 1,932 |
| Pretax return on assets | 1.5594% | 1,304 |
| Return on Equity (ROE) | 14.4219% | 921 |
| Retained earnings to average equity (ytd only) | 13.5451% | 280 |
| Net charge-offs to loans | 0.1726% | 4,502 |
| Credit loss provision to net charge-offs | 188.3117% | 2,425 |
| Earnings coverage of net charge-offs (x) | 12.5844% | 1,807 |
| Efficiency ratio | 61.7510% | 6,280 |
| Assets per employee ($millions) | 3.4775% | 4,871 |
| Cash dividends to net income (ytd only)* | 6.0795% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,641 |
| Loan loss allowance to noncurrent loans | 165.6432% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7698% | 5,472 |
| Noncurrent loans to loans | 0.6608% | 5,931 |
| Net loans and leases to total assets | 78.7967% | 1,574 |
| Net loans and leases to deposits | 102.4238% | 1,041 |
| Net loans and leases to core deposits | 174.1294% | 276 |
| Total domestic deposits to total assets | 76.9320% | 6,342 |
| Equity capital to assets | 7.4265% | 7,330 |
| Core capital (leverage) ratio | 7.4373% | 7,092 |
| Tier 1 risk-based capital ratio | 9.7839% | 7,153 |
| Total risk-based capital ratio | 10.9500% | 7,172 |
| Memoranda: | ||
| Average total assets | $566,493,000 | 1,253 |
| Average earning assets | $531,010,330 | 1,220 |
| Average equity | $42,199,670 | 1,612 |
| Average total loans | $445,993,670 | 1,123 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5425% | 798 |
| Cost of funding earning assets | 2.7950% | 997 |
| Net interest margin | 3.7475% | 3,666 |
| Noninterest income to average assets | 0.7649% | 2,506 |
| Noninterest expense to average assets | 2.6041% | 5,431 |
| Loan and lease loss provision to assets | 0.2518% | 3,958 |
| Net operating income to assets | 0.9793% | 2,399 |
| Return on assets (ROA) | 1.0722% | 2,191 |
| Pretax return on assets | 1.5543% | 1,525 |
| Return on Equity (ROE) | 14.3696% | 1,094 |
| Retained earnings to average equity (ytd only) | 13.5498% | 563 |
| Net charge-offs to loans | 0.2189% | 3,328 |
| Credit loss provision to net charge-offs | 147.0588% | 2,824 |
| Earnings coverage of net charge-offs (x) | 9.7605% | 2,026 |
| Efficiency ratio | 60.9054% | 6,267 |
| Assets per employee ($millions) | 3.5772% | 4,634 |
| Cash dividends to net income (ytd only)* | 5.7047% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,366 |
| Loan loss allowance to noncurrent loans | 171.7041% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 5,342 |
| Noncurrent loans to loans | 0.6486% | 5,787 |
| Net loans and leases to total assets | 76.4507% | 2,173 |
| Net loans and leases to deposits | 101.4744% | 1,232 |
| Net loans and leases to core deposits | 163.7556% | 440 |
| Total domestic deposits to total assets | 75.3399% | 6,637 |
| Equity capital to assets | 7.4703% | 7,374 |
| Core capital (leverage) ratio | 7.4845% | 7,178 |
| Tier 1 risk-based capital ratio | 9.9291% | 7,005 |
| Total risk-based capital ratio | 11.0996% | 6,986 |
| Memoranda: | ||
| Average total assets | $555,887,000 | 1,277 |
| Average earning assets | $520,780,000 | 1,247 |
| Average equity | $41,476,500 | 1,641 |
| Average total loans | $434,882,000 | 1,163 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0431% | 1,020 |
| Cost of funding earning assets | 3.4074% | 700 |
| Net interest margin | 3.6357% | 4,734 |
| Noninterest income to average assets | 0.8472% | 2,249 |
| Noninterest expense to average assets | 2.6480% | 5,457 |
| Loan and lease loss provision to assets | 0.2634% | 4,291 |
| Net operating income to assets | 0.9292% | 2,879 |
| Return on assets (ROA) | 0.9426% | 2,686 |
| Pretax return on assets | 1.3557% | 2,111 |
| Return on Equity (ROE) | 13.0244% | 1,322 |
| Retained earnings to average equity (ytd only) | 12.4498% | 198 |
| Net charge-offs to loans | 0.0915% | 5,426 |
| Credit loss provision to net charge-offs | 371.5084% | 1,189 |
| Earnings coverage of net charge-offs (x) | 22.5670% | 1,465 |
| Efficiency ratio | 62.3374% | 5,891 |
| Assets per employee ($millions) | 3.5260% | 4,601 |
| Cash dividends to net income (ytd only)* | 4.4118% | 4,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 5,176 |
| Loan loss allowance to noncurrent loans | 178.8117% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 4,988 |
| Noncurrent loans to loans | 0.6223% | 5,502 |
| Net loans and leases to total assets | 78.3150% | 2,046 |
| Net loans and leases to deposits | 104.7506% | 1,265 |
| Net loans and leases to core deposits | 167.2443% | 457 |
| Total domestic deposits to total assets | 74.7633% | 6,504 |
| Equity capital to assets | 7.4519% | 7,424 |
| Core capital (leverage) ratio | 7.5103% | 7,197 |
| Tier 1 risk-based capital ratio | 9.7640% | 6,997 |
| Total risk-based capital ratio | 10.9283% | 7,008 |
| Memoranda: | ||
| Average total assets | $504,978,400 | 1,338 |
| Average earning assets | $472,349,000 | 1,309 |
| Average equity | $36,546,800 | 1,850 |
| Average total loans | $391,407,400 | 1,238 |