Home > First Dakota National Bank > Performance and Condition Ratios
First Dakota National 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 | 5.3277% | 1,441 |
| Cost of funding earning assets | 2.2423% | 596 |
| Net interest margin | 3.0855% | 3,124 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 2.5305% | 2,216 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9759% | 2,289 |
| Return on assets (ROA) | 0.9839% | 2,253 |
| Pretax return on assets | 1.2713% | 1,954 |
| Return on Equity (ROE) | 12.3100% | 1,890 |
| Retained earnings to average equity (ytd only) | 9.7709% | 1,071 |
| Net charge-offs to loans | 0.0286% | 1,729 |
| Credit loss provision to net charge-offs | 470.2194% | 706 |
| Earnings coverage of net charge-offs (x) | 60.6034% | 1,186 |
| Efficiency ratio | 64.8570% | 2,499 |
| Assets per employee ($millions) | 8.3677% | 1,241 |
| Cash dividends to net income (ytd only)* | 20.6524% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,406 |
| Loan loss allowance to noncurrent loans | 354.9903% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 1,909 |
| Noncurrent loans to loans | 0.3323% | 1,990 |
| Net loans and leases to total assets | 78.0000% | 868 |
| Net loans and leases to deposits | 85.5196% | 1,648 |
| Net loans and leases to core deposits | 97.1863% | 1,583 |
| Total domestic deposits to total assets | 91.2100% | 448 |
| Equity capital to assets | 8.2106% | 3,272 |
| Core capital (leverage) ratio | 9.1333% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6621% | 2,670 |
| Memoranda: | ||
| Average total assets | $2,819,861,400 | 420 |
| Average earning assets | $2,630,797,400 | 405 |
| Average equity | $225,311,800 | 488 |
| Average total loans | $2,228,964,200 | 374 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 1,454 |
| Cost of funding earning assets | 2.0895% | 607 |
| Net interest margin | 3.1078% | 3,127 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 2.5460% | 2,097 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.9554% | 2,498 |
| Return on assets (ROA) | 0.9615% | 2,470 |
| Pretax return on assets | 1.2651% | 2,130 |
| Return on Equity (ROE) | 12.1200% | 2,088 |
| Retained earnings to average equity (ytd only) | 10.6964% | 1,217 |
| Net charge-offs to loans | 0.0494% | 1,184 |
| Credit loss provision to net charge-offs | 367.1971% | 766 |
| Earnings coverage of net charge-offs (x) | 36.0073% | 1,503 |
| Efficiency ratio | 64.4302% | 2,446 |
| Assets per employee ($millions) | 8.1102% | 1,291 |
| Cash dividends to net income (ytd only)* | 11.7527% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,497 |
| Loan loss allowance to noncurrent loans | 1,162.2327% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 3,028 |
| Noncurrent loans to loans | 0.1011% | 3,071 |
| Net loans and leases to total assets | 80.0600% | 640 |
| Net loans and leases to deposits | 87.6256% | 1,420 |
| Net loans and leases to core deposits | 101.4523% | 1,240 |
| Total domestic deposits to total assets | 91.3700% | 587 |
| Equity capital to assets | 7.9330% | 3,098 |
| Core capital (leverage) ratio | 9.2511% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4290% | 2,744 |
| Memoranda: | ||
| Average total assets | $2,790,561,000 | 423 |
| Average earning assets | $2,603,103,250 | 407 |
| Average equity | $221,352,000 | 492 |
| Average total loans | $2,206,607,250 | 375 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0269% | 1,518 |
| Cost of funding earning assets | 1.8694% | 652 |
| Net interest margin | 3.1574% | 3,087 |
| Noninterest income to average assets | 0.9800% | 587 |
| Noninterest expense to average assets | 2.5238% | 2,138 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.9253% | 2,669 |
| Return on assets (ROA) | 0.9326% | 2,627 |
| Pretax return on assets | 1.2270% | 2,296 |
| Return on Equity (ROE) | 11.7600% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.7994% | 1,468 |
| Net charge-offs to loans | 0.0779% | 802 |
| Credit loss provision to net charge-offs | 295.5083% | 874 |
| Earnings coverage of net charge-offs (x) | 22.8865% | 1,685 |
| Efficiency ratio | 64.3465% | 2,443 |
| Assets per employee ($millions) | 8.0325% | 1,300 |
| Cash dividends to net income (ytd only)* | 16.6512% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,474 |
| Loan loss allowance to noncurrent loans | 1,064.4826% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 2,897 |
| Noncurrent loans to loans | 0.1122% | 2,921 |
| Net loans and leases to total assets | 78.6400% | 770 |
| Net loans and leases to deposits | 85.9019% | 1,507 |
| Net loans and leases to core deposits | 99.6921% | 1,256 |
| Total domestic deposits to total assets | 91.5500% | 498 |
| Equity capital to assets | 7.9757% | 3,234 |
| Core capital (leverage) ratio | 9.1904% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3557% | 2,792 |
| Memoranda: | ||
| Average total assets | $2,769,149,333 | 413 |
| Average earning assets | $2,583,484,000 | 400 |
| Average equity | $219,645,667 | 487 |
| Average total loans | $2,171,210,000 | 367 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 1,686 |
| Cost of funding earning assets | 1.5568% | 756 |
| Net interest margin | 3.2148% | 3,081 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 2.6084% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0544% | 2,366 |
| Return on assets (ROA) | 1.0635% | 2,311 |
| Pretax return on assets | 1.3992% | 1,881 |
| Return on Equity (ROE) | 13.4500% | 1,891 |
| Retained earnings to average equity (ytd only) | 12.3523% | 1,204 |
| Net charge-offs to loans | 0.1526% | 451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 11.6867% | 1,628 |
| Efficiency ratio | 65.2724% | 2,295 |
| Assets per employee ($millions) | 8.0029% | 1,339 |
| Cash dividends to net income (ytd only)* | 8.1317% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 3,016 |
| Loan loss allowance to noncurrent loans | 1,134.3076% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 3,023 |
| Noncurrent loans to loans | 0.0977% | 3,057 |
| Net loans and leases to total assets | 76.0900% | 963 |
| Net loans and leases to deposits | 83.1920% | 1,556 |
| Net loans and leases to core deposits | 92.8222% | 1,462 |
| Total domestic deposits to total assets | 91.4600% | 656 |
| Equity capital to assets | 8.0337% | 3,221 |
| Core capital (leverage) ratio | 9.3202% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3448% | 2,891 |
| Memoranda: | ||
| Average total assets | $2,752,052,000 | 426 |
| Average earning assets | $2,570,137,000 | 415 |
| Average equity | $217,676,000 | 497 |
| Average total loans | $2,141,183,000 | 379 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 1,248 |
| Cost of funding earning assets | 0.5384% | 1,170 |
| Net interest margin | 3.6617% | 1,467 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 2.8364% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3337% | 1,333 |
| Return on assets (ROA) | 1.3313% | 1,297 |
| Pretax return on assets | 1.7441% | 829 |
| Return on Equity (ROE) | 16.2700% | 999 |
| Retained earnings to average equity (ytd only) | 15.4884% | 255 |
| Net charge-offs to loans | 0.0099% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 233.2435% | 573 |
| Efficiency ratio | 61.7717% | 2,796 |
| Assets per employee ($millions) | 7.8818% | 1,384 |
| Cash dividends to net income (ytd only)* | 4.7954% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,696 |
| Loan loss allowance to noncurrent loans | 541.2155% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 2,368 |
| Noncurrent loans to loans | 0.2109% | 2,436 |
| Net loans and leases to total assets | 77.7800% | 819 |
| Net loans and leases to deposits | 85.3982% | 1,362 |
| Net loans and leases to core deposits | 90.7812% | 1,464 |
| Total domestic deposits to total assets | 91.0800% | 924 |
| Equity capital to assets | 7.7832% | 3,200 |
| Core capital (leverage) ratio | 9.1058% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8726% | 2,982 |
| Memoranda: | ||
| Average total assets | $2,576,672,000 | 443 |
| Average earning assets | $2,404,449,400 | 433 |
| Average equity | $210,861,000 | 503 |
| Average total loans | $1,943,688,800 | 387 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 1,224 |
| Cost of funding earning assets | 0.3305% | 1,857 |
| Net interest margin | 3.6921% | 1,157 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 2.8073% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4318% | 1,003 |
| Return on assets (ROA) | 1.4279% | 983 |
| Pretax return on assets | 1.8788% | 618 |
| Return on Equity (ROE) | 17.2200% | 757 |
| Retained earnings to average equity (ytd only) | 16.6244% | 234 |
| Net charge-offs to loans | 0.0109% | 1,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 231.4323% | 572 |
| Efficiency ratio | 59.7103% | 3,148 |
| Assets per employee ($millions) | 7.6336% | 1,528 |
| Cash dividends to net income (ytd only)* | 3.4752% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,567 |
| Loan loss allowance to noncurrent loans | 430.6180% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 2,157 |
| Noncurrent loans to loans | 0.2770% | 2,263 |
| Net loans and leases to total assets | 76.7000% | 841 |
| Net loans and leases to deposits | 85.6041% | 1,195 |
| Net loans and leases to core deposits | 89.4211% | 1,335 |
| Total domestic deposits to total assets | 89.6000% | 1,828 |
| Equity capital to assets | 7.7304% | 3,070 |
| Core capital (leverage) ratio | 9.1819% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8875% | 3,053 |
| Memoranda: | ||
| Average total assets | $2,539,068,250 | 447 |
| Average earning assets | $2,371,260,750 | 437 |
| Average equity | $210,512,500 | 505 |
| Average total loans | $1,893,193,500 | 393 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 1,249 |
| Cost of funding earning assets | 0.2272% | 2,543 |
| Net interest margin | 3.6011% | 1,066 |
| Noninterest income to average assets | 1.3200% | 407 |
| Noninterest expense to average assets | 2.8246% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4151% | 872 |
| Return on assets (ROA) | 1.4088% | 862 |
| Pretax return on assets | 1.8537% | 525 |
| Return on Equity (ROE) | 16.5958% | 625 |
| Retained earnings to average equity (ytd only) | 16.3840% | 174 |
| Net charge-offs to loans | 0.0058% | 1,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 439.5283% | 286 |
| Efficiency ratio | 60.1207% | 3,280 |
| Assets per employee ($millions) | 7.3549% | 1,696 |
| Cash dividends to net income (ytd only)* | 1.2765% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,216 |
| Loan loss allowance to noncurrent loans | 389.0517% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 1,981 |
| Noncurrent loans to loans | 0.3328% | 2,141 |
| Net loans and leases to total assets | 74.9338% | 825 |
| Net loans and leases to deposits | 82.0973% | 1,238 |
| Net loans and leases to core deposits | 84.4388% | 1,427 |
| Total domestic deposits to total assets | 91.2744% | 1,116 |
| Equity capital to assets | 8.1618% | 2,999 |
| Core capital (leverage) ratio | 9.1482% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1008% | 3,002 |
| Memoranda: | ||
| Average total assets | $2,502,470,667 | 448 |
| Average earning assets | $2,339,309,000 | 440 |
| Average equity | $212,427,333 | 506 |
| Average total loans | $1,838,820,667 | 392 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7022% | 1,265 |
| Cost of funding earning assets | 0.2104% | 2,662 |
| Net interest margin | 3.4917% | 1,104 |
| Noninterest income to average assets | 1.5072% | 353 |
| Noninterest expense to average assets | 2.8185% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4868% | 653 |
| Return on assets (ROA) | 1.4811% | 653 |
| Pretax return on assets | 1.9489% | 403 |
| Return on Equity (ROE) | 17.1060% | 409 |
| Retained earnings to average equity (ytd only) | 17.1060% | 173 |
| Net charge-offs to loans | 0.0298% | 1,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 90.8271% | 705 |
| Efficiency ratio | 58.8788% | 3,595 |
| Assets per employee ($millions) | 7.2004% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,895 |
| Loan loss allowance to noncurrent loans | 332.7160% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 1,852 |
| Noncurrent loans to loans | 0.4214% | 1,978 |
| Net loans and leases to total assets | 70.9980% | 923 |
| Net loans and leases to deposits | 77.9208% | 1,295 |
| Net loans and leases to core deposits | 78.5945% | 1,569 |
| Total domestic deposits to total assets | 91.1156% | 972 |
| Equity capital to assets | 8.4320% | 3,218 |
| Core capital (leverage) ratio | 9.1072% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5543% | 2,971 |
| Memoranda: | ||
| Average total assets | $2,470,269,000 | 457 |
| Average earning assets | $2,311,514,500 | 449 |
| Average equity | $213,889,500 | 515 |
| Average total loans | $1,783,887,500 | 398 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 1,296 |
| Cost of funding earning assets | 0.2770% | 2,630 |
| Net interest margin | 3.7510% | 1,100 |
| Noninterest income to average assets | 1.3520% | 592 |
| Noninterest expense to average assets | 2.8964% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4961% | 1,024 |
| Return on assets (ROA) | 1.5042% | 1,051 |
| Pretax return on assets | 1.9762% | 634 |
| Return on Equity (ROE) | 16.5199% | 672 |
| Retained earnings to average equity (ytd only) | 10.6870% | 767 |
| Net charge-offs to loans | -0.0127% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4110% | 3,240 |
| Assets per employee ($millions) | 6.8991% | 1,991 |
| Cash dividends to net income (ytd only)* | 35.3080% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 1,819 |
| Loan loss allowance to noncurrent loans | 289.6769% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 1,790 |
| Noncurrent loans to loans | 0.4920% | 1,897 |
| Net loans and leases to total assets | 71.3924% | 893 |
| Net loans and leases to deposits | 78.6601% | 1,334 |
| Net loans and leases to core deposits | 79.3035% | 1,653 |
| Total domestic deposits to total assets | 90.7605% | 599 |
| Equity capital to assets | 8.8890% | 3,727 |
| Core capital (leverage) ratio | 8.8645% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3914% | 3,004 |
| Memoranda: | ||
| Average total assets | $2,361,200,600 | 456 |
| Average earning assets | $2,209,744,200 | 450 |
| Average equity | $214,989,400 | 506 |
| Average total loans | $1,655,876,200 | 423 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 1,227 |
| Cost of funding earning assets | 0.2953% | 2,641 |
| Net interest margin | 3.8397% | 1,044 |
| Noninterest income to average assets | 1.4045% | 609 |
| Noninterest expense to average assets | 2.8081% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6631% | 899 |
| Return on assets (ROA) | 1.6708% | 923 |
| Pretax return on assets | 2.1985% | 545 |
| Return on Equity (ROE) | 18.2373% | 601 |
| Retained earnings to average equity (ytd only) | 17.4970% | 219 |
| Net charge-offs to loans | -0.0224% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0450% | 3,525 |
| Assets per employee ($millions) | 7.1279% | 1,787 |
| Cash dividends to net income (ytd only)* | 4.0595% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 1,581 |
| Loan loss allowance to noncurrent loans | 274.7534% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 1,886 |
| Noncurrent loans to loans | 0.5512% | 1,937 |
| Net loans and leases to total assets | 68.0137% | 1,322 |
| Net loans and leases to deposits | 75.4357% | 1,720 |
| Net loans and leases to core deposits | 76.1213% | 2,037 |
| Total domestic deposits to total assets | 90.1612% | 703 |
| Equity capital to assets | 9.3150% | 3,543 |
| Core capital (leverage) ratio | 9.0414% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3531% | 2,891 |
| Memoranda: | ||
| Average total assets | $2,339,203,750 | 463 |
| Average earning assets | $2,188,509,250 | 459 |
| Average equity | $214,309,500 | 511 |
| Average total loans | $1,626,391,250 | 435 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 870 |
| Cost of funding earning assets | 0.3172% | 2,618 |
| Net interest margin | 4.0644% | 740 |
| Noninterest income to average assets | 1.4673% | 561 |
| Noninterest expense to average assets | 2.7434% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9220% | 563 |
| Return on assets (ROA) | 1.9307% | 577 |
| Pretax return on assets | 2.5404% | 336 |
| Return on Equity (ROE) | 21.1975% | 371 |
| Retained earnings to average equity (ytd only) | 20.3043% | 145 |
| Net charge-offs to loans | -0.0332% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8833% | 4,057 |
| Assets per employee ($millions) | 7.0164% | 1,797 |
| Cash dividends to net income (ytd only)* | 4.2134% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 1,470 |
| Loan loss allowance to noncurrent loans | 373.6361% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 2,478 |
| Noncurrent loans to loans | 0.4111% | 2,448 |
| Net loans and leases to total assets | 66.9182% | 1,593 |
| Net loans and leases to deposits | 73.9734% | 2,003 |
| Net loans and leases to core deposits | 74.9055% | 2,344 |
| Total domestic deposits to total assets | 90.4625% | 568 |
| Equity capital to assets | 9.0710% | 3,734 |
| Core capital (leverage) ratio | 8.9516% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4237% | 2,880 |
| Memoranda: | ||
| Average total assets | $2,311,111,000 | 465 |
| Average earning assets | $2,163,934,333 | 458 |
| Average equity | $210,497,000 | 513 |
| Average total loans | $1,610,639,667 | 446 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 635 |
| Cost of funding earning assets | 0.3452% | 2,567 |
| Net interest margin | 4.2758% | 536 |
| Noninterest income to average assets | 1.6882% | 499 |
| Noninterest expense to average assets | 2.7159% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2612% | 377 |
| Return on assets (ROA) | 2.2631% | 406 |
| Pretax return on assets | 2.9776% | 238 |
| Return on Equity (ROE) | 24.7931% | 264 |
| Retained earnings to average equity (ytd only) | 23.8789% | 159 |
| Net charge-offs to loans | -0.0779% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5821% | 4,370 |
| Assets per employee ($millions) | 6.7043% | 1,991 |
| Cash dividends to net income (ytd only)* | 3.6874% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 1,362 |
| Loan loss allowance to noncurrent loans | 239.5301% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 1,854 |
| Noncurrent loans to loans | 0.6568% | 1,928 |
| Net loans and leases to total assets | 67.4831% | 1,597 |
| Net loans and leases to deposits | 74.5851% | 2,059 |
| Net loans and leases to core deposits | 76.5529% | 2,302 |
| Total domestic deposits to total assets | 90.4780% | 591 |
| Equity capital to assets | 8.9271% | 3,755 |
| Core capital (leverage) ratio | 9.2292% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8255% | 2,730 |
| Memoranda: | ||
| Average total assets | $2,252,825,000 | 468 |
| Average earning assets | $2,108,976,000 | 462 |
| Average equity | $205,638,000 | 518 |
| Average total loans | $1,591,008,500 | 454 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 671 |
| Cost of funding earning assets | 0.6130% | 2,224 |
| Net interest margin | 4.2377% | 582 |
| Noninterest income to average assets | 1.4886% | 546 |
| Noninterest expense to average assets | 3.2967% | 913 |
| Loan and lease loss provision to assets | 0.3881% | 826 |
| Net operating income to assets | 1.3461% | 1,133 |
| Return on assets (ROA) | 1.3507% | 1,219 |
| Pretax return on assets | 1.7614% | 744 |
| Return on Equity (ROE) | 13.4482% | 935 |
| Retained earnings to average equity (ytd only) | 6.7133% | 1,503 |
| Net charge-offs to loans | 0.1313% | 1,209 |
| Credit loss provision to net charge-offs | 372.2084% | 1,520 |
| Earnings coverage of net charge-offs (x) | 20.5573% | 1,938 |
| Efficiency ratio | 60.4201% | 3,394 |
| Assets per employee ($millions) | 6.0976% | 2,256 |
| Cash dividends to net income (ytd only)* | 50.0805% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 1,299 |
| Loan loss allowance to noncurrent loans | 197.6275% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 1,593 |
| Noncurrent loans to loans | 0.8088% | 1,731 |
| Net loans and leases to total assets | 71.7113% | 1,327 |
| Net loans and leases to deposits | 79.5389% | 1,920 |
| Net loans and leases to core deposits | 82.0886% | 2,185 |
| Total domestic deposits to total assets | 90.1588% | 503 |
| Equity capital to assets | 9.3476% | 3,743 |
| Core capital (leverage) ratio | 9.1921% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6057% | 2,769 |
| Memoranda: | ||
| Average total assets | $1,932,428,200 | 485 |
| Average earning assets | $1,801,982,600 | 486 |
| Average equity | $194,093,000 | 516 |
| Average total loans | $1,534,613,800 | 440 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1745% | 437 |
| Cost of funding earning assets | 0.6796% | 2,144 |
| Net interest margin | 4.4949% | 383 |
| Noninterest income to average assets | 1.4921% | 529 |
| Noninterest expense to average assets | 3.2488% | 980 |
| Loan and lease loss provision to assets | 0.5326% | 528 |
| Net operating income to assets | 1.4472% | 1,002 |
| Return on assets (ROA) | 1.4514% | 1,087 |
| Pretax return on assets | 1.9097% | 620 |
| Return on Equity (ROE) | 14.1687% | 849 |
| Retained earnings to average equity (ytd only) | 9.6506% | 840 |
| Net charge-offs to loans | 0.1600% | 922 |
| Credit loss provision to net charge-offs | 409.6122% | 1,443 |
| Earnings coverage of net charge-offs (x) | 18.7411% | 1,955 |
| Efficiency ratio | 56.9609% | 3,799 |
| Assets per employee ($millions) | 5.7662% | 2,486 |
| Cash dividends to net income (ytd only)* | 31.8882% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 1,183 |
| Loan loss allowance to noncurrent loans | 185.8089% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 1,546 |
| Noncurrent loans to loans | 0.8445% | 1,744 |
| Net loans and leases to total assets | 79.1781% | 688 |
| Net loans and leases to deposits | 88.6782% | 1,408 |
| Net loans and leases to core deposits | 91.9912% | 1,799 |
| Total domestic deposits to total assets | 89.2870% | 658 |
| Equity capital to assets | 10.1026% | 3,143 |
| Core capital (leverage) ratio | 9.8478% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9054% | 2,650 |
| Memoranda: | ||
| Average total assets | $1,877,421,750 | 492 |
| Average earning assets | $1,751,632,750 | 490 |
| Average equity | $192,315,500 | 516 |
| Average total loans | $1,526,111,000 | 438 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5267% | 325 |
| Cost of funding earning assets | 0.7576% | 2,067 |
| Net interest margin | 4.7691% | 299 |
| Noninterest income to average assets | 1.4275% | 514 |
| Noninterest expense to average assets | 3.3485% | 925 |
| Loan and lease loss provision to assets | 0.8169% | 298 |
| Net operating income to assets | 1.3016% | 1,353 |
| Return on assets (ROA) | 1.3008% | 1,465 |
| Pretax return on assets | 1.7114% | 977 |
| Return on Equity (ROE) | 12.6354% | 1,183 |
| Retained earnings to average equity (ytd only) | 6.4441% | 1,882 |
| Net charge-offs to loans | 0.0515% | 1,750 |
| Credit loss provision to net charge-offs | 1,943.0052% | 494 |
| Earnings coverage of net charge-offs (x) | 60.1632% | 965 |
| Efficiency ratio | 56.7866% | 3,850 |
| Assets per employee ($millions) | 5.5254% | 2,616 |
| Cash dividends to net income (ytd only)* | 48.9994% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 897 |
| Loan loss allowance to noncurrent loans | 168.5626% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 1,379 |
| Noncurrent loans to loans | 0.9825% | 1,581 |
| Net loans and leases to total assets | 80.6045% | 524 |
| Net loans and leases to deposits | 90.0496% | 1,350 |
| Net loans and leases to core deposits | 94.4128% | 1,706 |
| Total domestic deposits to total assets | 89.5113% | 568 |
| Equity capital to assets | 9.8979% | 3,289 |
| Core capital (leverage) ratio | 9.7302% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6785% | 2,744 |
| Memoranda: | ||
| Average total assets | $1,836,272,000 | 499 |
| Average earning assets | $1,713,561,333 | 496 |
| Average equity | $189,040,667 | 522 |
| Average total loans | $1,498,312,000 | 438 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1256% | 761 |
| Cost of funding earning assets | 0.9165% | 1,784 |
| Net interest margin | 4.2090% | 903 |
| Noninterest income to average assets | 1.2832% | 535 |
| Noninterest expense to average assets | 3.3229% | 1,180 |
| Loan and lease loss provision to assets | 0.5647% | 501 |
| Net operating income to assets | 0.9935% | 2,193 |
| Return on assets (ROA) | 0.9753% | 2,366 |
| Pretax return on assets | 1.2832% | 1,920 |
| Return on Equity (ROE) | 9.2754% | 2,004 |
| Retained earnings to average equity (ytd only) | -2.4574% | 4,296 |
| Net charge-offs to loans | 0.0222% | 1,921 |
| Credit loss provision to net charge-offs | 3,125.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 103.5375% | 565 |
| Efficiency ratio | 63.7471% | 3,272 |
| Assets per employee ($millions) | 4.9024% | 2,746 |
| Cash dividends to net income (ytd only)* | 126.4937% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,307 |
| Loan loss allowance to noncurrent loans | 121.3297% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1207% | 1,148 |
| Noncurrent loans to loans | 1.2446% | 1,307 |
| Net loans and leases to total assets | 81.3329% | 525 |
| Net loans and leases to deposits | 91.6135% | 1,327 |
| Net loans and leases to core deposits | 96.4231% | 1,755 |
| Total domestic deposits to total assets | 88.7782% | 767 |
| Equity capital to assets | 10.5902% | 3,241 |
| Core capital (leverage) ratio | 10.0913% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2348% | 3,028 |
| Memoranda: | ||
| Average total assets | $1,770,878,000 | 501 |
| Average earning assets | $1,645,322,000 | 497 |
| Average equity | $186,212,000 | 528 |
| Average total loans | $1,441,347,500 | 438 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 965 |
| Cost of funding earning assets | 1.0544% | 1,496 |
| Net interest margin | 4.1595% | 1,398 |
| Noninterest income to average assets | 1.2614% | 593 |
| Noninterest expense to average assets | 3.4299% | 1,061 |
| Loan and lease loss provision to assets | 0.1750% | 1,192 |
| Net operating income to assets | 1.1415% | 2,287 |
| Return on assets (ROA) | 1.1467% | 2,365 |
| Pretax return on assets | 1.5031% | 1,803 |
| Return on Equity (ROE) | 11.1266% | 1,833 |
| Retained earnings to average equity (ytd only) | 7.8284% | 1,033 |
| Net charge-offs to loans | 0.1723% | 1,170 |
| Credit loss provision to net charge-offs | 124.1208% | 2,050 |
| Earnings coverage of net charge-offs (x) | 11.8556% | 2,459 |
| Efficiency ratio | 66.8668% | 2,635 |
| Assets per employee ($millions) | 4.9358% | 2,667 |
| Cash dividends to net income (ytd only)* | 29.6419% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 1,609 |
| Loan loss allowance to noncurrent loans | 162.7992% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 1,681 |
| Noncurrent loans to loans | 0.8442% | 1,824 |
| Net loans and leases to total assets | 79.1091% | 915 |
| Net loans and leases to deposits | 88.9664% | 1,705 |
| Net loans and leases to core deposits | 96.4338% | 1,864 |
| Total domestic deposits to total assets | 88.9202% | 700 |
| Equity capital to assets | 10.4408% | 3,502 |
| Core capital (leverage) ratio | 10.1473% | 3,359 |
| Tier 1 risk-based capital ratio | 11.3820% | 4,696 |
| Total risk-based capital ratio | 12.6325% | 4,570 |
| Memoranda: | ||
| Average total assets | $1,714,341,400 | 493 |
| Average earning assets | $1,582,671,400 | 489 |
| Average equity | $176,676,200 | 526 |
| Average total loans | $1,402,861,000 | 426 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2291% | 979 |
| Cost of funding earning assets | 1.0684% | 1,477 |
| Net interest margin | 4.1607% | 1,472 |
| Noninterest income to average assets | 1.2322% | 601 |
| Noninterest expense to average assets | 3.4712% | 981 |
| Loan and lease loss provision to assets | 0.2355% | 714 |
| Net operating income to assets | 1.0362% | 2,837 |
| Return on assets (ROA) | 1.0374% | 2,913 |
| Pretax return on assets | 1.3651% | 2,440 |
| Return on Equity (ROE) | 10.1007% | 2,388 |
| Retained earnings to average equity (ytd only) | 6.0488% | 2,351 |
| Net charge-offs to loans | 0.2438% | 728 |
| Credit loss provision to net charge-offs | 117.4168% | 1,990 |
| Earnings coverage of net charge-offs (x) | 7.9738% | 2,700 |
| Efficiency ratio | 68.0888% | 2,403 |
| Assets per employee ($millions) | 4.9261% | 2,636 |
| Cash dividends to net income (ytd only)* | 40.1150% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 1,571 |
| Loan loss allowance to noncurrent loans | 143.9781% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 1,581 |
| Noncurrent loans to loans | 0.9729% | 1,643 |
| Net loans and leases to total assets | 78.2872% | 1,096 |
| Net loans and leases to deposits | 88.0159% | 1,927 |
| Net loans and leases to core deposits | 104.5693% | 1,294 |
| Total domestic deposits to total assets | 88.9467% | 627 |
| Equity capital to assets | 10.2929% | 3,737 |
| Core capital (leverage) ratio | 10.2146% | 3,406 |
| Tier 1 risk-based capital ratio | 11.2798% | 4,772 |
| Total risk-based capital ratio | 12.5306% | 4,675 |
| Memoranda: | ||
| Average total assets | $1,698,706,250 | 501 |
| Average earning assets | $1,566,960,500 | 492 |
| Average equity | $174,465,250 | 531 |
| Average total loans | $1,397,260,250 | 430 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2214% | 940 |
| Cost of funding earning assets | 1.0602% | 1,453 |
| Net interest margin | 4.1612% | 1,456 |
| Noninterest income to average assets | 1.1441% | 651 |
| Noninterest expense to average assets | 3.4794% | 983 |
| Loan and lease loss provision to assets | 0.3567% | 360 |
| Net operating income to assets | 0.8739% | 3,388 |
| Return on assets (ROA) | 0.8741% | 3,451 |
| Pretax return on assets | 1.1500% | 3,076 |
| Return on Equity (ROE) | 8.5169% | 3,055 |
| Retained earnings to average equity (ytd only) | 5.1558% | 2,694 |
| Net charge-offs to loans | 0.2064% | 803 |
| Credit loss provision to net charge-offs | 207.6125% | 1,171 |
| Earnings coverage of net charge-offs (x) | 8.7682% | 2,385 |
| Efficiency ratio | 69.4005% | 2,318 |
| Assets per employee ($millions) | 4.7313% | 2,832 |
| Cash dividends to net income (ytd only)* | 39.4640% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 1,426 |
| Loan loss allowance to noncurrent loans | 150.6558% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0444% | 1,317 |
| Noncurrent loans to loans | 0.9614% | 1,693 |
| Net loans and leases to total assets | 82.1359% | 589 |
| Net loans and leases to deposits | 93.0189% | 1,373 |
| Net loans and leases to core deposits | 115.4645% | 705 |
| Total domestic deposits to total assets | 88.3002% | 965 |
| Equity capital to assets | 10.3508% | 3,648 |
| Core capital (leverage) ratio | 10.0937% | 3,503 |
| Tier 1 risk-based capital ratio | 10.8741% | 4,966 |
| Total risk-based capital ratio | 12.1254% | 4,881 |
| Memoranda: | ||
| Average total assets | $1,682,022,670 | 503 |
| Average earning assets | $1,552,904,330 | 495 |
| Average equity | $172,621,330 | 536 |
| Average total loans | $1,400,179,330 | 429 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1646% | 971 |
| Cost of funding earning assets | 1.0223% | 1,471 |
| Net interest margin | 4.1423% | 1,446 |
| Noninterest income to average assets | 1.1375% | 625 |
| Noninterest expense to average assets | 3.4402% | 1,051 |
| Loan and lease loss provision to assets | 0.4786% | 225 |
| Net operating income to assets | 0.7931% | 3,646 |
| Return on assets (ROA) | 0.7931% | 3,694 |
| Pretax return on assets | 1.0430% | 3,302 |
| Return on Equity (ROE) | 7.7620% | 3,354 |
| Retained earnings to average equity (ytd only) | 2.0213% | 4,061 |
| Net charge-offs to loans | 0.4223% | 362 |
| Credit loss provision to net charge-offs | 136.2398% | 1,321 |
| Earnings coverage of net charge-offs (x) | 4.3311% | 2,330 |
| Efficiency ratio | 68.9481% | 2,506 |
| Assets per employee ($millions) | 4.6567% | 2,973 |
| Cash dividends to net income (ytd only)* | 73.9590% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 1,693 |
| Loan loss allowance to noncurrent loans | 111.4553% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 1,221 |
| Noncurrent loans to loans | 1.2523% | 1,315 |
| Net loans and leases to total assets | 82.5587% | 520 |
| Net loans and leases to deposits | 93.4498% | 1,234 |
| Net loans and leases to core deposits | 115.2373% | 674 |
| Total domestic deposits to total assets | 88.3456% | 1,156 |
| Equity capital to assets | 10.2638% | 3,560 |
| Core capital (leverage) ratio | 10.0326% | 3,569 |
| Tier 1 risk-based capital ratio | 10.7779% | 5,076 |
| Total risk-based capital ratio | 12.0288% | 4,976 |
| Memoranda: | ||
| Average total assets | $1,671,403,500 | 508 |
| Average earning assets | $1,543,115,000 | 501 |
| Average equity | $170,781,500 | 536 |
| Average total loans | $1,390,495,000 | 433 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 875 |
| Cost of funding earning assets | 0.7937% | 1,552 |
| Net interest margin | 4.2917% | 1,178 |
| Noninterest income to average assets | 1.2924% | 560 |
| Noninterest expense to average assets | 3.4880% | 1,007 |
| Loan and lease loss provision to assets | 0.5819% | 193 |
| Net operating income to assets | 0.9079% | 3,413 |
| Return on assets (ROA) | 0.9079% | 3,401 |
| Pretax return on assets | 1.1865% | 2,926 |
| Return on Equity (ROE) | 8.9943% | 2,999 |
| Retained earnings to average equity (ytd only) | 6.3091% | 2,033 |
| Net charge-offs to loans | 0.5411% | 330 |
| Credit loss provision to net charge-offs | 130.7279% | 2,021 |
| Earnings coverage of net charge-offs (x) | 3.9728% | 3,355 |
| Efficiency ratio | 65.9826% | 2,879 |
| Assets per employee ($millions) | 4.6617% | 2,940 |
| Cash dividends to net income (ytd only)* | 29.8543% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 1,744 |
| Loan loss allowance to noncurrent loans | 123.9483% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 1,402 |
| Noncurrent loans to loans | 1.1081% | 1,463 |
| Net loans and leases to total assets | 81.5492% | 721 |
| Net loans and leases to deposits | 93.2969% | 1,357 |
| Net loans and leases to core deposits | 113.2261% | 818 |
| Total domestic deposits to total assets | 87.4083% | 1,582 |
| Equity capital to assets | 10.2702% | 3,410 |
| Core capital (leverage) ratio | 10.0072% | 3,566 |
| Tier 1 risk-based capital ratio | 10.7961% | 5,071 |
| Total risk-based capital ratio | 12.0513% | 4,956 |
| Memoranda: | ||
| Average total assets | $1,632,574,600 | 501 |
| Average earning assets | $1,507,943,800 | 494 |
| Average equity | $164,793,800 | 534 |
| Average total loans | $1,342,981,800 | 433 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 939 |
| Cost of funding earning assets | 0.7305% | 1,682 |
| Net interest margin | 4.2711% | 1,183 |
| Noninterest income to average assets | 1.2973% | 572 |
| Noninterest expense to average assets | 3.5087% | 974 |
| Loan and lease loss provision to assets | 0.7807% | 119 |
| Net operating income to assets | 0.7263% | 4,148 |
| Return on assets (ROA) | 0.7263% | 4,158 |
| Pretax return on assets | 0.9556% | 3,864 |
| Return on Equity (ROE) | 7.2274% | 3,849 |
| Retained earnings to average equity (ytd only) | 4.1809% | 3,685 |
| Net charge-offs to loans | 0.7231% | 197 |
| Credit loss provision to net charge-offs | 131.4333% | 1,875 |
| Earnings coverage of net charge-offs (x) | 2.9231% | 3,206 |
| Efficiency ratio | 66.5173% | 2,782 |
| Assets per employee ($millions) | 4.6351% | 2,939 |
| Cash dividends to net income (ytd only)* | 42.1523% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 1,749 |
| Loan loss allowance to noncurrent loans | 127.0447% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.0287% | 1,412 |
| Noncurrent loans to loans | 1.0929% | 1,559 |
| Net loans and leases to total assets | 81.2838% | 833 |
| Net loans and leases to deposits | 96.0123% | 1,157 |
| Net loans and leases to core deposits | 114.0398% | 814 |
| Total domestic deposits to total assets | 84.6598% | 2,734 |
| Equity capital to assets | 9.9388% | 3,710 |
| Core capital (leverage) ratio | 9.8419% | 3,805 |
| Tier 1 risk-based capital ratio | 10.5752% | 5,215 |
| Total risk-based capital ratio | 11.8318% | 5,131 |
| Memoranda: | ||
| Average total assets | $1,622,334,250 | 499 |
| Average earning assets | $1,499,539,750 | 493 |
| Average equity | $163,023,250 | 531 |
| Average total loans | $1,332,787,250 | 435 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 898 |
| Cost of funding earning assets | 0.6665% | 1,833 |
| Net interest margin | 4.2932% | 1,047 |
| Noninterest income to average assets | 1.2947% | 573 |
| Noninterest expense to average assets | 3.4992% | 996 |
| Loan and lease loss provision to assets | 1.1191% | 66 |
| Net operating income to assets | 0.4905% | 4,769 |
| Return on assets (ROA) | 0.4905% | 4,772 |
| Pretax return on assets | 0.6453% | 4,652 |
| Return on Equity (ROE) | 4.8633% | 4,590 |
| Retained earnings to average equity (ytd only) | 0.8260% | 4,796 |
| Net charge-offs to loans | 1.0966% | 118 |
| Credit loss provision to net charge-offs | 124.3609% | 1,765 |
| Earnings coverage of net charge-offs (x) | 1.9608% | 3,009 |
| Efficiency ratio | 66.0981% | 2,961 |
| Assets per employee ($millions) | 4.6325% | 2,921 |
| Cash dividends to net income (ytd only)* | 83.0165% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,821 |
| Loan loss allowance to noncurrent loans | 132.4496% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9257% | 1,629 |
| Noncurrent loans to loans | 1.0409% | 1,684 |
| Net loans and leases to total assets | 81.0793% | 845 |
| Net loans and leases to deposits | 93.7326% | 1,387 |
| Net loans and leases to core deposits | 103.1407% | 1,473 |
| Total domestic deposits to total assets | 86.5007% | 2,053 |
| Equity capital to assets | 9.8685% | 3,756 |
| Core capital (leverage) ratio | 9.7172% | 3,865 |
| Tier 1 risk-based capital ratio | 10.4668% | 5,283 |
| Total risk-based capital ratio | 11.7250% | 5,179 |
| Memoranda: | ||
| Average total assets | $1,608,443,670 | 503 |
| Average earning assets | $1,486,944,670 | 497 |
| Average equity | $162,237,000 | 533 |
| Average total loans | $1,319,846,000 | 440 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8157% | 1,046 |
| Cost of funding earning assets | 0.6090% | 1,992 |
| Net interest margin | 4.2067% | 1,165 |
| Noninterest income to average assets | 1.2852% | 566 |
| Noninterest expense to average assets | 3.5092% | 989 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2589% | 1,777 |
| Return on assets (ROA) | 1.2589% | 1,788 |
| Pretax return on assets | 1.6564% | 1,224 |
| Return on Equity (ROE) | 12.3442% | 1,457 |
| Retained earnings to average equity (ytd only) | 5.8279% | 2,791 |
| Net charge-offs to loans | 0.0462% | 1,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 43.7417% | 1,017 |
| Efficiency ratio | 67.5454% | 2,907 |
| Assets per employee ($millions) | 4.5475% | 3,079 |
| Cash dividends to net income (ytd only)* | 52.7888% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,413 |
| Loan loss allowance to noncurrent loans | 111.3411% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 1,488 |
| Noncurrent loans to loans | 1.1384% | 1,608 |
| Net loans and leases to total assets | 81.3410% | 748 |
| Net loans and leases to deposits | 93.4196% | 1,289 |
| Net loans and leases to core deposits | 99.2671% | 1,744 |
| Total domestic deposits to total assets | 87.0706% | 2,095 |
| Equity capital to assets | 10.2692% | 3,314 |
| Core capital (leverage) ratio | 10.0604% | 3,462 |
| Tier 1 risk-based capital ratio | 10.8701% | 5,205 |
| Total risk-based capital ratio | 12.0672% | 5,132 |
| Memoranda: | ||
| Average total assets | $1,595,024,500 | 511 |
| Average earning assets | $1,471,270,000 | 506 |
| Average equity | $162,667,000 | 533 |
| Average total loans | $1,307,563,500 | 446 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 959 |
| Cost of funding earning assets | 0.5153% | 2,207 |
| Net interest margin | 4.2962% | 970 |
| Noninterest income to average assets | 1.3013% | 624 |
| Noninterest expense to average assets | 3.5060% | 1,023 |
| Loan and lease loss provision to assets | 0.2934% | 591 |
| Net operating income to assets | 0.9295% | 2,551 |
| Return on assets (ROA) | 0.9297% | 2,580 |
| Pretax return on assets | 1.4633% | 1,766 |
| Return on Equity (ROE) | 9.1393% | 2,247 |
| Retained earnings to average equity (ytd only) | 7.8638% | 812 |
| Net charge-offs to loans | 0.1362% | 1,704 |
| Credit loss provision to net charge-offs | 265.9574% | 1,053 |
| Earnings coverage of net charge-offs (x) | 15.9202% | 2,212 |
| Efficiency ratio | 66.2247% | 3,229 |
| Assets per employee ($millions) | 4.5281% | 3,145 |
| Cash dividends to net income (ytd only)* | 13.9561% | 3,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,285 |
| Loan loss allowance to noncurrent loans | 196.2326% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 2,245 |
| Noncurrent loans to loans | 0.6555% | 2,576 |
| Net loans and leases to total assets | 80.5225% | 892 |
| Net loans and leases to deposits | 93.8573% | 1,290 |
| Net loans and leases to core deposits | 96.8279% | 1,956 |
| Total domestic deposits to total assets | 85.7925% | 2,536 |
| Equity capital to assets | 10.1279% | 3,562 |
| Core capital (leverage) ratio | 9.9625% | 3,502 |
| Tier 1 risk-based capital ratio | 10.8908% | 5,204 |
| Total risk-based capital ratio | 12.1138% | 5,114 |
| Memoranda: | ||
| Average total assets | $1,533,674,800 | 508 |
| Average earning assets | $1,414,012,400 | 502 |
| Average equity | $156,019,000 | 530 |
| Average total loans | $1,242,539,800 | 451 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 986 |
| Cost of funding earning assets | 0.4995% | 2,266 |
| Net interest margin | 4.2695% | 998 |
| Noninterest income to average assets | 1.2201% | 702 |
| Noninterest expense to average assets | 3.5148% | 970 |
| Loan and lease loss provision to assets | 0.3295% | 457 |
| Net operating income to assets | 0.8486% | 3,276 |
| Return on assets (ROA) | 0.8489% | 3,325 |
| Pretax return on assets | 1.3162% | 2,413 |
| Return on Equity (ROE) | 8.3353% | 2,965 |
| Retained earnings to average equity (ytd only) | 7.0844% | 1,651 |
| Net charge-offs to loans | 0.1469% | 1,365 |
| Credit loss provision to net charge-offs | 277.3669% | 1,051 |
| Earnings coverage of net charge-offs (x) | 13.8491% | 2,331 |
| Efficiency ratio | 67.7065% | 2,928 |
| Assets per employee ($millions) | 4.3900% | 3,326 |
| Cash dividends to net income (ytd only)* | 15.0073% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 2,466 |
| Loan loss allowance to noncurrent loans | 230.9386% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 2,585 |
| Noncurrent loans to loans | 0.5540% | 3,034 |
| Net loans and leases to total assets | 81.0179% | 839 |
| Net loans and leases to deposits | 93.6045% | 1,339 |
| Net loans and leases to core deposits | 99.8852% | 1,718 |
| Total domestic deposits to total assets | 86.5535% | 2,071 |
| Equity capital to assets | 10.1953% | 3,697 |
| Core capital (leverage) ratio | 9.8119% | 3,805 |
| Tier 1 risk-based capital ratio | 10.7829% | 5,349 |
| Total risk-based capital ratio | 11.9971% | 5,279 |
| Memoranda: | ||
| Average total assets | $1,517,487,000 | 514 |
| Average earning assets | $1,400,320,500 | 508 |
| Average equity | $154,552,000 | 539 |
| Average total loans | $1,227,208,750 | 455 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 930 |
| Cost of funding earning assets | 0.4627% | 2,475 |
| Net interest margin | 4.3039% | 848 |
| Noninterest income to average assets | 1.1746% | 733 |
| Noninterest expense to average assets | 3.5034% | 1,005 |
| Loan and lease loss provision to assets | 0.2660% | 616 |
| Net operating income to assets | 0.8856% | 2,988 |
| Return on assets (ROA) | 0.8861% | 3,043 |
| Pretax return on assets | 1.3736% | 2,129 |
| Return on Equity (ROE) | 8.7037% | 2,665 |
| Retained earnings to average equity (ytd only) | 7.3321% | 1,436 |
| Net charge-offs to loans | 0.1504% | 1,251 |
| Credit loss provision to net charge-offs | 219.7802% | 1,182 |
| Earnings coverage of net charge-offs (x) | 13.5407% | 2,127 |
| Efficiency ratio | 67.7150% | 3,065 |
| Assets per employee ($millions) | 4.4563% | 3,182 |
| Cash dividends to net income (ytd only)* | 15.7587% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 3,086 |
| Loan loss allowance to noncurrent loans | 174.7417% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 2,373 |
| Noncurrent loans to loans | 0.6807% | 2,713 |
| Net loans and leases to total assets | 79.9446% | 966 |
| Net loans and leases to deposits | 92.7231% | 1,399 |
| Net loans and leases to core deposits | 97.9451% | 1,815 |
| Total domestic deposits to total assets | 86.2186% | 2,286 |
| Equity capital to assets | 9.9864% | 3,928 |
| Core capital (leverage) ratio | 9.9439% | 3,603 |
| Tier 1 risk-based capital ratio | 10.6155% | 5,419 |
| Total risk-based capital ratio | 11.7383% | 5,391 |
| Memoranda: | ||
| Average total assets | $1,503,832,670 | 521 |
| Average earning assets | $1,386,309,330 | 512 |
| Average equity | $153,106,670 | 540 |
| Average total loans | $1,209,949,670 | 460 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 1,088 |
| Cost of funding earning assets | 0.4369% | 2,647 |
| Net interest margin | 4.1843% | 1,020 |
| Noninterest income to average assets | 1.2331% | 675 |
| Noninterest expense to average assets | 3.4513% | 1,115 |
| Loan and lease loss provision to assets | 0.2036% | 808 |
| Net operating income to assets | 0.9264% | 2,634 |
| Return on assets (ROA) | 0.9275% | 2,686 |
| Pretax return on assets | 1.4380% | 1,738 |
| Return on Equity (ROE) | 9.0183% | 2,410 |
| Retained earnings to average equity (ytd only) | 7.0389% | 1,837 |
| Net charge-offs to loans | 0.1472% | 1,071 |
| Credit loss provision to net charge-offs | 172.4138% | 1,117 |
| Earnings coverage of net charge-offs (x) | 13.8897% | 1,755 |
| Efficiency ratio | 67.3615% | 3,292 |
| Assets per employee ($millions) | 4.3022% | 3,504 |
| Cash dividends to net income (ytd only)* | 21.9491% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 3,095 |
| Loan loss allowance to noncurrent loans | 92.6125% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 1,511 |
| Noncurrent loans to loans | 1.3021% | 1,555 |
| Net loans and leases to total assets | 79.7401% | 870 |
| Net loans and leases to deposits | 89.6623% | 1,581 |
| Net loans and leases to core deposits | 92.3156% | 2,134 |
| Total domestic deposits to total assets | 88.9338% | 1,174 |
| Equity capital to assets | 10.4246% | 3,263 |
| Core capital (leverage) ratio | 10.0847% | 3,391 |
| Tier 1 risk-based capital ratio | 11.0567% | 5,276 |
| Total risk-based capital ratio | 12.1906% | 5,258 |
| Memoranda: | ||
| Average total assets | $1,473,667,000 | 529 |
| Average earning assets | $1,358,808,500 | 518 |
| Average equity | $151,558,000 | 539 |
| Average total loans | $1,182,165,500 | 468 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 958 |
| Cost of funding earning assets | 0.4041% | 2,960 |
| Net interest margin | 4.3485% | 854 |
| Noninterest income to average assets | 1.2952% | 679 |
| Noninterest expense to average assets | 3.5005% | 1,156 |
| Loan and lease loss provision to assets | 0.1432% | 1,749 |
| Net operating income to assets | 1.0793% | 1,989 |
| Return on assets (ROA) | 1.0819% | 2,078 |
| Pretax return on assets | 1.6718% | 1,074 |
| Return on Equity (ROE) | 10.7551% | 1,666 |
| Retained earnings to average equity (ytd only) | 8.0868% | 828 |
| Net charge-offs to loans | 0.0291% | 3,438 |
| Credit loss provision to net charge-offs | 606.0606% | 564 |
| Earnings coverage of net charge-offs (x) | 76.6727% | 732 |
| Efficiency ratio | 65.4700% | 3,678 |
| Assets per employee ($millions) | 4.3538% | 3,354 |
| Cash dividends to net income (ytd only)* | 24.8098% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 3,222 |
| Loan loss allowance to noncurrent loans | 94.9093% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 1,685 |
| Noncurrent loans to loans | 1.2466% | 1,647 |
| Net loans and leases to total assets | 78.7863% | 1,074 |
| Net loans and leases to deposits | 88.2322% | 1,891 |
| Net loans and leases to core deposits | 91.5430% | 2,344 |
| Total domestic deposits to total assets | 89.2943% | 957 |
| Equity capital to assets | 10.1455% | 3,556 |
| Core capital (leverage) ratio | 9.8783% | 3,654 |
| Tier 1 risk-based capital ratio | 10.9259% | 5,381 |
| Total risk-based capital ratio | 12.0438% | 5,343 |
| Memoranda: | ||
| Average total assets | $1,397,119,000 | 536 |
| Average earning assets | $1,290,387,200 | 527 |
| Average equity | $140,538,400 | 562 |
| Average total loans | $1,135,735,200 | 457 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 933 |
| Cost of funding earning assets | 0.3945% | 3,074 |
| Net interest margin | 4.3886% | 791 |
| Noninterest income to average assets | 1.2444% | 750 |
| Noninterest expense to average assets | 3.2877% | 1,593 |
| Loan and lease loss provision to assets | 0.1453% | 1,612 |
| Net operating income to assets | 1.2056% | 1,624 |
| Return on assets (ROA) | 1.2091% | 1,710 |
| Pretax return on assets | 1.8745% | 751 |
| Return on Equity (ROE) | 12.0475% | 1,309 |
| Retained earnings to average equity (ytd only) | 10.9375% | 437 |
| Net charge-offs to loans | 0.0206% | 3,287 |
| Credit loss provision to net charge-offs | 862.0690% | 464 |
| Earnings coverage of net charge-offs (x) | 119.5136% | 578 |
| Efficiency ratio | 61.5661% | 4,301 |
| Assets per employee ($millions) | 4.3360% | 3,358 |
| Cash dividends to net income (ytd only)* | 9.2140% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 3,434 |
| Loan loss allowance to noncurrent loans | 101.5736% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0596% | 1,943 |
| Noncurrent loans to loans | 1.1502% | 1,953 |
| Net loans and leases to total assets | 80.5216% | 816 |
| Net loans and leases to deposits | 92.0808% | 1,488 |
| Net loans and leases to core deposits | 97.5651% | 1,855 |
| Total domestic deposits to total assets | 87.4467% | 1,693 |
| Equity capital to assets | 10.6046% | 3,450 |
| Core capital (leverage) ratio | 10.1592% | 3,374 |
| Tier 1 risk-based capital ratio | 11.1732% | 5,273 |
| Total risk-based capital ratio | 12.2884% | 5,263 |
| Memoranda: | ||
| Average total assets | $1,376,324,250 | 543 |
| Average earning assets | $1,272,568,000 | 536 |
| Average equity | $138,127,250 | 573 |
| Average total loans | $1,124,610,000 | 461 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 980 |
| Cost of funding earning assets | 0.3781% | 3,269 |
| Net interest margin | 4.3567% | 839 |
| Noninterest income to average assets | 1.1554% | 840 |
| Noninterest expense to average assets | 3.2838% | 1,628 |
| Loan and lease loss provision to assets | 0.2209% | 941 |
| Net operating income to assets | 1.0841% | 2,015 |
| Return on assets (ROA) | 1.0841% | 2,150 |
| Pretax return on assets | 1.6808% | 1,143 |
| Return on Equity (ROE) | 11.0218% | 1,633 |
| Retained earnings to average equity (ytd only) | 10.4229% | 520 |
| Net charge-offs to loans | 0.0585% | 2,354 |
| Credit loss provision to net charge-offs | 461.5385% | 697 |
| Earnings coverage of net charge-offs (x) | 39.7354% | 1,168 |
| Efficiency ratio | 62.8688% | 4,196 |
| Assets per employee ($millions) | 4.2561% | 3,454 |
| Cash dividends to net income (ytd only)* | 5.4333% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 3,541 |
| Loan loss allowance to noncurrent loans | 126.1379% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 2,507 |
| Noncurrent loans to loans | 0.9250% | 2,420 |
| Net loans and leases to total assets | 80.0153% | 895 |
| Net loans and leases to deposits | 91.5306% | 1,573 |
| Net loans and leases to core deposits | 101.0919% | 1,551 |
| Total domestic deposits to total assets | 87.4192% | 1,705 |
| Equity capital to assets | 10.3570% | 3,785 |
| Core capital (leverage) ratio | 10.3068% | 3,189 |
| Tier 1 risk-based capital ratio | 11.0070% | 5,420 |
| Total risk-based capital ratio | 12.1158% | 5,416 |
| Memoranda: | ||
| Average total assets | $1,358,139,330 | 548 |
| Average earning assets | $1,256,322,670 | 543 |
| Average equity | $133,590,000 | 597 |
| Average total loans | $1,110,884,330 | 467 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 1,009 |
| Cost of funding earning assets | 0.3757% | 3,346 |
| Net interest margin | 4.3429% | 842 |
| Noninterest income to average assets | 1.1665% | 811 |
| Noninterest expense to average assets | 3.3621% | 1,462 |
| Loan and lease loss provision to assets | 0.0755% | 2,447 |
| Net operating income to assets | 1.1185% | 1,838 |
| Return on assets (ROA) | 1.1185% | 1,940 |
| Pretax return on assets | 1.7340% | 978 |
| Return on Equity (ROE) | 11.7045% | 1,401 |
| Retained earnings to average equity (ytd only) | 10.4401% | 754 |
| Net charge-offs to loans | -0.0051% | 4,302 |
| Credit loss provision to net charge-offs | -1,785.7143% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5427% | 4,036 |
| Assets per employee ($millions) | 3.9682% | 4,008 |
| Cash dividends to net income (ytd only)* | 10.8021% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,745 |
| Loan loss allowance to noncurrent loans | 109.0767% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 2,290 |
| Noncurrent loans to loans | 1.0577% | 2,278 |
| Net loans and leases to total assets | 81.9176% | 563 |
| Net loans and leases to deposits | 91.3355% | 1,425 |
| Net loans and leases to core deposits | 94.1776% | 1,973 |
| Total domestic deposits to total assets | 89.6888% | 743 |
| Equity capital to assets | 9.7922% | 4,352 |
| Core capital (leverage) ratio | 9.2148% | 4,582 |
| Tier 1 risk-based capital ratio | 10.1420% | 5,879 |
| Total risk-based capital ratio | 11.2455% | 5,868 |
| Memoranda: | ||
| Average total assets | $1,324,307,000 | 559 |
| Average earning assets | $1,221,312,500 | 555 |
| Average equity | $126,550,000 | 635 |
| Average total loans | $1,089,161,000 | 469 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 872 |
| Cost of funding earning assets | 0.3553% | 3,647 |
| Net interest margin | 4.4782% | 683 |
| Noninterest income to average assets | 1.2124% | 813 |
| Noninterest expense to average assets | 3.4655% | 1,354 |
| Loan and lease loss provision to assets | 0.2201% | 931 |
| Net operating income to assets | 1.0697% | 2,042 |
| Return on assets (ROA) | 1.0696% | 2,117 |
| Pretax return on assets | 1.6607% | 1,080 |
| Return on Equity (ROE) | 11.3930% | 1,468 |
| Retained earnings to average equity (ytd only) | 10.5365% | 392 |
| Net charge-offs to loans | 0.0426% | 3,368 |
| Credit loss provision to net charge-offs | 628.0193% | 538 |
| Earnings coverage of net charge-offs (x) | 53.6812% | 954 |
| Efficiency ratio | 64.5364% | 4,159 |
| Assets per employee ($millions) | 4.0928% | 3,773 |
| Cash dividends to net income (ytd only)* | 7.5176% | 4,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 3,764 |
| Loan loss allowance to noncurrent loans | 135.2773% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7863% | 2,712 |
| Noncurrent loans to loans | 0.8489% | 2,665 |
| Net loans and leases to total assets | 81.8276% | 613 |
| Net loans and leases to deposits | 93.2626% | 1,278 |
| Net loans and leases to core deposits | 97.4807% | 1,717 |
| Total domestic deposits to total assets | 87.7390% | 1,777 |
| Equity capital to assets | 9.2473% | 4,852 |
| Core capital (leverage) ratio | 8.9629% | 4,925 |
| Tier 1 risk-based capital ratio | 9.6993% | 6,020 |
| Total risk-based capital ratio | 10.7941% | 6,026 |
| Memoranda: | ||
| Average total assets | $1,181,516,400 | 598 |
| Average earning assets | $1,090,702,600 | 591 |
| Average equity | $110,918,800 | 688 |
| Average total loans | $972,065,800 | 491 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 930 |
| Cost of funding earning assets | 0.3544% | 3,702 |
| Net interest margin | 4.4473% | 725 |
| Noninterest income to average assets | 1.2035% | 835 |
| Noninterest expense to average assets | 3.2058% | 1,953 |
| Loan and lease loss provision to assets | 0.2601% | 642 |
| Net operating income to assets | 1.2076% | 1,627 |
| Return on assets (ROA) | 1.2079% | 1,691 |
| Pretax return on assets | 1.8443% | 817 |
| Return on Equity (ROE) | 12.8133% | 1,171 |
| Retained earnings to average equity (ytd only) | 11.6486% | 398 |
| Net charge-offs to loans | 0.0469% | 2,957 |
| Credit loss provision to net charge-offs | 675.6757% | 504 |
| Earnings coverage of net charge-offs (x) | 54.6635% | 983 |
| Efficiency ratio | 60.0644% | 4,879 |
| Assets per employee ($millions) | 4.1160% | 3,679 |
| Cash dividends to net income (ytd only)* | 9.0901% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 3,895 |
| Loan loss allowance to noncurrent loans | 129.8736% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 2,824 |
| Noncurrent loans to loans | 0.8900% | 2,751 |
| Net loans and leases to total assets | 82.1820% | 561 |
| Net loans and leases to deposits | 95.9864% | 1,004 |
| Net loans and leases to core deposits | 102.1113% | 1,376 |
| Total domestic deposits to total assets | 85.6184% | 2,727 |
| Equity capital to assets | 9.4337% | 4,839 |
| Core capital (leverage) ratio | 9.3104% | 4,573 |
| Tier 1 risk-based capital ratio | 9.6480% | 6,113 |
| Total risk-based capital ratio | 10.7350% | 6,122 |
| Memoranda: | ||
| Average total assets | $1,153,560,500 | 614 |
| Average earning assets | $1,065,078,500 | 606 |
| Average equity | $108,748,750 | 712 |
| Average total loans | $947,431,500 | 505 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8090% | 878 |
| Cost of funding earning assets | 0.3561% | 3,743 |
| Net interest margin | 4.4529% | 688 |
| Noninterest income to average assets | 1.2377% | 796 |
| Noninterest expense to average assets | 3.2384% | 1,872 |
| Loan and lease loss provision to assets | 0.1784% | 1,149 |
| Net operating income to assets | 1.2567% | 1,439 |
| Return on assets (ROA) | 1.2567% | 1,493 |
| Pretax return on assets | 1.9188% | 713 |
| Return on Equity (ROE) | 13.3344% | 1,048 |
| Retained earnings to average equity (ytd only) | 12.2933% | 369 |
| Net charge-offs to loans | 0.0109% | 3,527 |
| Credit loss provision to net charge-offs | 2,000.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 235.1000% | 297 |
| Efficiency ratio | 60.4561% | 4,921 |
| Assets per employee ($millions) | 3.9736% | 3,931 |
| Cash dividends to net income (ytd only)* | 7.8081% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 3,946 |
| Loan loss allowance to noncurrent loans | 120.7205% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 2,452 |
| Noncurrent loans to loans | 0.9727% | 2,701 |
| Net loans and leases to total assets | 80.4841% | 739 |
| Net loans and leases to deposits | 95.3519% | 1,014 |
| Net loans and leases to core deposits | 99.0978% | 1,562 |
| Total domestic deposits to total assets | 84.4074% | 3,399 |
| Equity capital to assets | 9.4085% | 4,768 |
| Core capital (leverage) ratio | 9.2700% | 4,594 |
| Tier 1 risk-based capital ratio | 9.9098% | 6,117 |
| Total risk-based capital ratio | 11.0077% | 6,116 |
| Memoranda: | ||
| Average total assets | $1,120,993,000 | 635 |
| Average earning assets | $1,031,647,000 | 630 |
| Average equity | $105,651,330 | 735 |
| Average total loans | $916,462,670 | 522 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 884 |
| Cost of funding earning assets | 0.3560% | 3,793 |
| Net interest margin | 4.4323% | 682 |
| Noninterest income to average assets | 1.0916% | 951 |
| Noninterest expense to average assets | 3.2023% | 1,979 |
| Loan and lease loss provision to assets | 0.0906% | 2,179 |
| Net operating income to assets | 1.2218% | 1,486 |
| Return on assets (ROA) | 1.2218% | 1,576 |
| Pretax return on assets | 1.8653% | 763 |
| Return on Equity (ROE) | 12.9515% | 1,104 |
| Retained earnings to average equity (ytd only) | 11.7985% | 593 |
| Net charge-offs to loans | -0.0168% | 4,960 |
| Credit loss provision to net charge-offs | -657.8947% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8288% | 4,825 |
| Assets per employee ($millions) | 4.0240% | 3,911 |
| Cash dividends to net income (ytd only)* | 8.9021% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 4,284 |
| Loan loss allowance to noncurrent loans | 317.7262% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 1.2875% | 2,069 |
| Noncurrent loans to loans | 0.3607% | 4,508 |
| Net loans and leases to total assets | 81.3222% | 534 |
| Net loans and leases to deposits | 92.3585% | 1,146 |
| Net loans and leases to core deposits | 97.6072% | 1,509 |
| Total domestic deposits to total assets | 88.0506% | 1,792 |
| Equity capital to assets | 9.5966% | 4,640 |
| Core capital (leverage) ratio | 9.2904% | 4,592 |
| Tier 1 risk-based capital ratio | 9.8922% | 6,194 |
| Total risk-based capital ratio | 10.9505% | 6,202 |
| Memoranda: | ||
| Average total assets | $1,103,329,000 | 641 |
| Average earning assets | $1,012,286,500 | 636 |
| Average equity | $104,081,000 | 740 |
| Average total loans | $903,837,500 | 523 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 860 |
| Cost of funding earning assets | 0.4130% | 3,566 |
| Net interest margin | 4.5294% | 708 |
| Noninterest income to average assets | 1.1840% | 861 |
| Noninterest expense to average assets | 3.4462% | 1,610 |
| Loan and lease loss provision to assets | 0.1428% | 1,861 |
| Net operating income to assets | 1.1235% | 1,888 |
| Return on assets (ROA) | 1.1270% | 1,933 |
| Pretax return on assets | 1.7205% | 942 |
| Return on Equity (ROE) | 12.2538% | 1,339 |
| Retained earnings to average equity (ytd only) | 11.7880% | 314 |
| Net charge-offs to loans | 0.0650% | 3,555 |
| Credit loss provision to net charge-offs | 270.7581% | 945 |
| Earnings coverage of net charge-offs (x) | 35.2274% | 1,195 |
| Efficiency ratio | 64.7509% | 4,445 |
| Assets per employee ($millions) | 4.0148% | 3,925 |
| Cash dividends to net income (ytd only)* | 3.8016% | 4,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 4,437 |
| Loan loss allowance to noncurrent loans | 213.7902% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.5012% | 1,819 |
| Noncurrent loans to loans | 0.5250% | 4,093 |
| Net loans and leases to total assets | 80.6581% | 653 |
| Net loans and leases to deposits | 92.1945% | 1,268 |
| Net loans and leases to core deposits | 96.1298% | 1,707 |
| Total domestic deposits to total assets | 87.4869% | 2,039 |
| Equity capital to assets | 9.2703% | 4,978 |
| Core capital (leverage) ratio | 9.0715% | 4,868 |
| Tier 1 risk-based capital ratio | 10.2549% | 6,191 |
| Total risk-based capital ratio | 11.3630% | 6,176 |
| Memoranda: | ||
| Average total assets | $1,050,308,200 | 641 |
| Average earning assets | $955,437,600 | 644 |
| Average equity | $96,598,400 | 759 |
| Average total loans | $852,215,000 | 523 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 843 |
| Cost of funding earning assets | 0.4219% | 3,557 |
| Net interest margin | 4.5263% | 702 |
| Noninterest income to average assets | 1.0935% | 1,020 |
| Noninterest expense to average assets | 3.1438% | 2,341 |
| Loan and lease loss provision to assets | 0.1286% | 1,951 |
| Net operating income to assets | 1.2668% | 1,472 |
| Return on assets (ROA) | 1.2714% | 1,516 |
| Pretax return on assets | 1.9411% | 649 |
| Return on Equity (ROE) | 13.8528% | 1,015 |
| Retained earnings to average equity (ytd only) | 13.2223% | 307 |
| Net charge-offs to loans | 0.0225% | 4,071 |
| Credit loss provision to net charge-offs | 704.2254% | 432 |
| Earnings coverage of net charge-offs (x) | 112.9569% | 527 |
| Efficiency ratio | 60.1660% | 5,157 |
| Assets per employee ($millions) | 3.8458% | 4,201 |
| Cash dividends to net income (ytd only)* | 4.5515% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 4,397 |
| Loan loss allowance to noncurrent loans | 217.3064% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.6145% | 1,879 |
| Noncurrent loans to loans | 0.5373% | 4,326 |
| Net loans and leases to total assets | 80.1985% | 700 |
| Net loans and leases to deposits | 91.0212% | 1,327 |
| Net loans and leases to core deposits | 95.9416% | 1,678 |
| Total domestic deposits to total assets | 88.1097% | 1,707 |
| Equity capital to assets | 9.4790% | 4,818 |
| Core capital (leverage) ratio | 9.0220% | 5,048 |
| Tier 1 risk-based capital ratio | 10.7339% | 6,117 |
| Total risk-based capital ratio | 11.9119% | 6,099 |
| Memoranda: | ||
| Average total assets | $1,036,864,750 | 647 |
| Average earning assets | $942,140,500 | 649 |
| Average equity | $95,160,000 | 772 |
| Average total loans | $840,108,750 | 522 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 845 |
| Cost of funding earning assets | 0.4162% | 3,697 |
| Net interest margin | 4.5183% | 680 |
| Noninterest income to average assets | 0.9742% | 1,274 |
| Noninterest expense to average assets | 3.1417% | 2,354 |
| Loan and lease loss provision to assets | 0.1456% | 1,695 |
| Net operating income to assets | 1.1677% | 1,697 |
| Return on assets (ROA) | 1.1715% | 1,748 |
| Pretax return on assets | 1.7882% | 863 |
| Return on Equity (ROE) | 12.9098% | 1,199 |
| Retained earnings to average equity (ytd only) | 11.9469% | 431 |
| Net charge-offs to loans | 0.0125% | 3,990 |
| Credit loss provision to net charge-offs | 1,442.3077% | 252 |
| Earnings coverage of net charge-offs (x) | 190.9423% | 337 |
| Efficiency ratio | 61.7435% | 5,044 |
| Assets per employee ($millions) | 3.8569% | 4,147 |
| Cash dividends to net income (ytd only)* | 7.4590% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 4,713 |
| Loan loss allowance to noncurrent loans | 249.6835% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 1.5099% | 2,158 |
| Noncurrent loans to loans | 0.4563% | 4,625 |
| Net loans and leases to total assets | 80.3754% | 642 |
| Net loans and leases to deposits | 91.3955% | 1,227 |
| Net loans and leases to core deposits | 96.7057% | 1,549 |
| Total domestic deposits to total assets | 87.9424% | 1,933 |
| Equity capital to assets | 9.0629% | 5,234 |
| Core capital (leverage) ratio | 8.8882% | 5,181 |
| Tier 1 risk-based capital ratio | 10.2058% | 6,335 |
| Total risk-based capital ratio | 11.3558% | 6,323 |
| Memoranda: | ||
| Average total assets | $1,029,957,670 | 648 |
| Average earning assets | $933,573,670 | 656 |
| Average equity | $93,463,670 | 782 |
| Average total loans | $834,082,330 | 523 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 846 |
| Cost of funding earning assets | 0.4235% | 3,719 |
| Net interest margin | 4.4931% | 669 |
| Noninterest income to average assets | 1.1474% | 847 |
| Noninterest expense to average assets | 3.2109% | 2,196 |
| Loan and lease loss provision to assets | 0.0987% | 2,276 |
| Net operating income to assets | 1.2463% | 1,358 |
| Return on assets (ROA) | 1.2482% | 1,411 |
| Pretax return on assets | 1.9054% | 644 |
| Return on Equity (ROE) | 13.7454% | 991 |
| Retained earnings to average equity (ytd only) | 11.7880% | 636 |
| Net charge-offs to loans | 0.0239% | 3,089 |
| Credit loss provision to net charge-offs | 510.2041% | 527 |
| Earnings coverage of net charge-offs (x) | 103.4082% | 441 |
| Efficiency ratio | 61.3747% | 5,220 |
| Assets per employee ($millions) | 3.7959% | 4,337 |
| Cash dividends to net income (ytd only)* | 14.2405% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 4,913 |
| Loan loss allowance to noncurrent loans | 315.6777% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 1.5974% | 2,206 |
| Noncurrent loans to loans | 0.3616% | 5,040 |
| Net loans and leases to total assets | 80.0154% | 550 |
| Net loans and leases to deposits | 91.0032% | 1,039 |
| Net loans and leases to core deposits | 93.8993% | 1,557 |
| Total domestic deposits to total assets | 87.9259% | 2,273 |
| Equity capital to assets | 9.2104% | 4,866 |
| Core capital (leverage) ratio | 8.8934% | 5,152 |
| Tier 1 risk-based capital ratio | 10.3550% | 6,379 |
| Total risk-based capital ratio | 11.4931% | 6,372 |
| Memoranda: | ||
| Average total assets | $1,012,683,000 | 665 |
| Average earning assets | $916,162,000 | 668 |
| Average equity | $91,958,000 | 795 |
| Average total loans | $818,392,500 | 527 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 654 |
| Cost of funding earning assets | 0.4805% | 3,814 |
| Net interest margin | 4.7076% | 505 |
| Noninterest income to average assets | 1.0669% | 1,240 |
| Noninterest expense to average assets | 3.6377% | 1,386 |
| Loan and lease loss provision to assets | 0.1073% | 3,004 |
| Net operating income to assets | 1.0445% | 2,138 |
| Return on assets (ROA) | 1.0463% | 2,202 |
| Pretax return on assets | 1.5708% | 1,246 |
| Return on Equity (ROE) | 11.8315% | 1,476 |
| Retained earnings to average equity (ytd only) | 9.3476% | 696 |
| Net charge-offs to loans | 0.0936% | 3,909 |
| Credit loss provision to net charge-offs | 143.6389% | 1,622 |
| Earnings coverage of net charge-offs (x) | 22.4323% | 1,450 |
| Efficiency ratio | 68.2878% | 4,146 |
| Assets per employee ($millions) | 3.7616% | 4,346 |
| Cash dividends to net income (ytd only)* | 20.9940% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 5,038 |
| Loan loss allowance to noncurrent loans | 164.3113% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.8871% | 1,926 |
| Noncurrent loans to loans | 0.6829% | 4,266 |
| Net loans and leases to total assets | 79.7837% | 616 |
| Net loans and leases to deposits | 90.0001% | 1,238 |
| Net loans and leases to core deposits | 91.7068% | 1,821 |
| Total domestic deposits to total assets | 88.6485% | 1,830 |
| Equity capital to assets | 8.9507% | 5,099 |
| Core capital (leverage) ratio | 8.6827% | 5,434 |
| Tier 1 risk-based capital ratio | 10.0996% | 6,489 |
| Total risk-based capital ratio | 11.2183% | 6,492 |
| Memoranda: | ||
| Average total assets | $978,755,800 | 673 |
| Average earning assets | $882,831,800 | 680 |
| Average equity | $86,557,400 | 819 |
| Average total loans | $780,759,400 | 538 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 633 |
| Cost of funding earning assets | 0.4916% | 3,854 |
| Net interest margin | 4.7166% | 501 |
| Noninterest income to average assets | 0.7935% | 2,181 |
| Noninterest expense to average assets | 3.4289% | 1,762 |
| Loan and lease loss provision to assets | 0.1443% | 2,479 |
| Net operating income to assets | 0.9631% | 2,531 |
| Return on assets (ROA) | 0.9631% | 2,631 |
| Pretax return on assets | 1.4704% | 1,700 |
| Return on Equity (ROE) | 10.9245% | 1,845 |
| Retained earnings to average equity (ytd only) | 7.5739% | 1,602 |
| Net charge-offs to loans | 0.1182% | 3,365 |
| Credit loss provision to net charge-offs | 153.5088% | 1,536 |
| Earnings coverage of net charge-offs (x) | 17.1827% | 1,747 |
| Efficiency ratio | 67.8026% | 4,131 |
| Assets per employee ($millions) | 3.8139% | 4,200 |
| Cash dividends to net income (ytd only)* | 30.6705% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 5,151 |
| Loan loss allowance to noncurrent loans | 247.6203% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 1.8063% | 2,266 |
| Noncurrent loans to loans | 0.4613% | 5,037 |
| Net loans and leases to total assets | 79.4581% | 606 |
| Net loans and leases to deposits | 91.8398% | 991 |
| Net loans and leases to core deposits | 96.8782% | 1,327 |
| Total domestic deposits to total assets | 86.5182% | 2,958 |
| Equity capital to assets | 8.7177% | 5,499 |
| Core capital (leverage) ratio | 8.5491% | 5,724 |
| Tier 1 risk-based capital ratio | 9.8204% | 6,635 |
| Total risk-based capital ratio | 10.9529% | 6,637 |
| Memoranda: | ||
| Average total assets | $970,480,250 | 680 |
| Average earning assets | $874,474,000 | 688 |
| Average equity | $85,554,750 | 840 |
| Average total loans | $771,834,250 | 546 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2057% | 633 |
| Cost of funding earning assets | 0.5031% | 3,871 |
| Net interest margin | 4.7026% | 507 |
| Noninterest income to average assets | 0.6342% | 2,996 |
| Noninterest expense to average assets | 3.5483% | 1,508 |
| Loan and lease loss provision to assets | 0.1459% | 2,516 |
| Net operating income to assets | 0.7676% | 3,481 |
| Return on assets (ROA) | 0.7676% | 3,637 |
| Pretax return on assets | 1.1717% | 2,801 |
| Return on Equity (ROE) | 8.6735% | 2,768 |
| Retained earnings to average equity (ytd only) | 4.3168% | 3,532 |
| Net charge-offs to loans | 0.1431% | 2,953 |
| Credit loss provision to net charge-offs | 128.6765% | 1,758 |
| Earnings coverage of net charge-offs (x) | 11.6213% | 2,039 |
| Efficiency ratio | 72.7417% | 3,349 |
| Assets per employee ($millions) | 3.6779% | 4,448 |
| Cash dividends to net income (ytd only)* | 50.2308% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,259 |
| Loan loss allowance to noncurrent loans | 285.6825% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 1.9852% | 2,166 |
| Noncurrent loans to loans | 0.4009% | 5,267 |
| Net loans and leases to total assets | 79.6885% | 565 |
| Net loans and leases to deposits | 91.0485% | 1,046 |
| Net loans and leases to core deposits | 94.7928% | 1,455 |
| Total domestic deposits to total assets | 87.5232% | 2,526 |
| Equity capital to assets | 8.6725% | 5,585 |
| Core capital (leverage) ratio | 8.3940% | 5,773 |
| Tier 1 risk-based capital ratio | 9.7140% | 6,690 |
| Total risk-based capital ratio | 10.8500% | 6,692 |
| Memoranda: | ||
| Average total assets | $959,619,670 | 690 |
| Average earning assets | $863,522,000 | 693 |
| Average equity | $84,925,000 | 840 |
| Average total loans | $760,371,330 | 550 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 501 |
| Cost of funding earning assets | 0.5078% | 4,000 |
| Net interest margin | 4.8064% | 397 |
| Noninterest income to average assets | 1.2944% | 915 |
| Noninterest expense to average assets | 3.5647% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3284% | 1,209 |
| Return on assets (ROA) | 1.3284% | 1,310 |
| Pretax return on assets | 2.0279% | 565 |
| Return on Equity (ROE) | 14.8583% | 797 |
| Retained earnings to average equity (ytd only) | 14.8583% | 366 |
| Net charge-offs to loans | 0.0524% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 49.2551% | 680 |
| Efficiency ratio | 63.7395% | 5,046 |
| Assets per employee ($millions) | 3.6004% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,317 |
| Loan loss allowance to noncurrent loans | 377.9170% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 2.5618% | 1,791 |
| Noncurrent loans to loans | 0.3098% | 5,625 |
| Net loans and leases to total assets | 77.0810% | 711 |
| Net loans and leases to deposits | 87.3064% | 1,211 |
| Net loans and leases to core deposits | 89.1713% | 1,784 |
| Total domestic deposits to total assets | 88.2879% | 2,136 |
| Equity capital to assets | 9.0464% | 5,428 |
| Core capital (leverage) ratio | 8.6913% | 5,339 |
| Tier 1 risk-based capital ratio | 10.2667% | 6,645 |
| Total risk-based capital ratio | 11.4162% | 6,649 |
| Memoranda: | ||
| Average total assets | $952,102,500 | 703 |
| Average earning assets | $851,456,500 | 709 |
| Average equity | $85,124,000 | 850 |
| Average total loans | $747,714,000 | 562 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5736% | 539 |
| Cost of funding earning assets | 0.6375% | 4,029 |
| Net interest margin | 4.9361% | 421 |
| Noninterest income to average assets | 1.0203% | 1,477 |
| Noninterest expense to average assets | 3.6232% | 1,556 |
| Loan and lease loss provision to assets | 0.1139% | 4,215 |
| Net operating income to assets | 1.1416% | 1,801 |
| Return on assets (ROA) | 1.1493% | 1,940 |
| Pretax return on assets | 1.7546% | 1,014 |
| Return on Equity (ROE) | 11.8187% | 1,562 |
| Retained earnings to average equity (ytd only) | 2.3291% | 4,596 |
| Net charge-offs to loans | 0.0874% | 4,803 |
| Credit loss provision to net charge-offs | 164.2036% | 1,633 |
| Earnings coverage of net charge-offs (x) | 26.7635% | 1,089 |
| Efficiency ratio | 66.1158% | 4,480 |
| Assets per employee ($millions) | 3.7709% | 4,424 |
| Cash dividends to net income (ytd only)* | 80.2934% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,206 |
| Loan loss allowance to noncurrent loans | 96.7717% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 2.6577% | 1,816 |
| Noncurrent loans to loans | 1.2209% | 3,808 |
| Net loans and leases to total assets | 78.1439% | 656 |
| Net loans and leases to deposits | 85.9907% | 1,517 |
| Net loans and leases to core deposits | 87.8026% | 2,113 |
| Total domestic deposits to total assets | 90.8747% | 539 |
| Equity capital to assets | 8.8337% | 5,709 |
| Core capital (leverage) ratio | 8.6368% | 5,414 |
| Tier 1 risk-based capital ratio | 10.0397% | 6,688 |
| Total risk-based capital ratio | 11.2110% | 6,678 |
| Memoranda: | ||
| Average total assets | $877,748,400 | 750 |
| Average earning assets | $793,057,800 | 754 |
| Average equity | $85,356,200 | 825 |
| Average total loans | $696,432,200 | 595 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6712% | 492 |
| Cost of funding earning assets | 0.6702% | 4,016 |
| Net interest margin | 5.0010% | 403 |
| Noninterest income to average assets | 1.0373% | 1,408 |
| Noninterest expense to average assets | 3.4199% | 1,959 |
| Loan and lease loss provision to assets | 0.1549% | 3,587 |
| Net operating income to assets | 1.3079% | 1,426 |
| Return on assets (ROA) | 1.3183% | 1,534 |
| Pretax return on assets | 2.0126% | 688 |
| Return on Equity (ROE) | 13.2238% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.4467% | 458 |
| Net charge-offs to loans | 0.1114% | 4,275 |
| Credit loss provision to net charge-offs | 175.1313% | 1,586 |
| Earnings coverage of net charge-offs (x) | 24.3224% | 1,281 |
| Efficiency ratio | 61.3804% | 5,246 |
| Assets per employee ($millions) | 3.5821% | 4,783 |
| Cash dividends to net income (ytd only)* | 5.8761% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 5,115 |
| Loan loss allowance to noncurrent loans | 95.6077% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 2.4647% | 2,146 |
| Noncurrent loans to loans | 1.2924% | 3,883 |
| Net loans and leases to total assets | 79.9082% | 512 |
| Net loans and leases to deposits | 89.7205% | 1,181 |
| Net loans and leases to core deposits | 94.3950% | 1,544 |
| Total domestic deposits to total assets | 89.0635% | 1,392 |
| Equity capital to assets | 10.1170% | 4,327 |
| Core capital (leverage) ratio | 9.7444% | 3,881 |
| Tier 1 risk-based capital ratio | 11.2956% | 6,362 |
| Total risk-based capital ratio | 12.5232% | 6,338 |
| Memoranda: | ||
| Average total assets | $860,562,000 | 768 |
| Average earning assets | $780,257,000 | 769 |
| Average equity | $85,792,750 | 813 |
| Average total loans | $683,422,750 | 605 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6864% | 498 |
| Cost of funding earning assets | 0.6940% | 4,066 |
| Net interest margin | 4.9924% | 408 |
| Noninterest income to average assets | 1.0189% | 1,408 |
| Noninterest expense to average assets | 3.4745% | 1,845 |
| Loan and lease loss provision to assets | 0.0587% | 4,918 |
| Net operating income to assets | 1.3152% | 1,403 |
| Return on assets (ROA) | 1.3175% | 1,545 |
| Pretax return on assets | 2.0115% | 686 |
| Return on Equity (ROE) | 13.2841% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.5734% | 495 |
| Net charge-offs to loans | 0.1447% | 3,759 |
| Credit loss provision to net charge-offs | 51.4403% | 4,001 |
| Earnings coverage of net charge-offs (x) | 18.1008% | 1,500 |
| Efficiency ratio | 62.7025% | 5,132 |
| Assets per employee ($millions) | 3.5578% | 4,853 |
| Cash dividends to net income (ytd only)* | 5.3495% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 5,481 |
| Loan loss allowance to noncurrent loans | 85.5744% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 2.5548% | 2,189 |
| Noncurrent loans to loans | 1.3679% | 3,867 |
| Net loans and leases to total assets | 79.5832% | 557 |
| Net loans and leases to deposits | 89.2832% | 1,220 |
| Net loans and leases to core deposits | 92.5433% | 1,725 |
| Total domestic deposits to total assets | 89.1356% | 1,428 |
| Equity capital to assets | 10.0037% | 4,334 |
| Core capital (leverage) ratio | 9.6993% | 3,834 |
| Tier 1 risk-based capital ratio | 11.1299% | 6,438 |
| Total risk-based capital ratio | 12.2898% | 6,451 |
| Memoranda: | ||
| Average total assets | $851,297,000 | 779 |
| Average earning assets | $771,131,670 | 782 |
| Average equity | $84,432,000 | 823 |
| Average total loans | $671,646,670 | 619 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7187% | 499 |
| Cost of funding earning assets | 0.7163% | 4,142 |
| Net interest margin | 5.0023% | 399 |
| Noninterest income to average assets | 0.9311% | 1,626 |
| Noninterest expense to average assets | 3.3940% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3515% | 1,318 |
| Return on assets (ROA) | 1.3515% | 1,470 |
| Pretax return on assets | 2.0634% | 670 |
| Return on Equity (ROE) | 13.6882% | 1,258 |
| Retained earnings to average equity (ytd only) | 13.2066% | 655 |
| Net charge-offs to loans | 0.2547% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.3804% | 1,762 |
| Efficiency ratio | 62.1907% | 5,243 |
| Assets per employee ($millions) | 3.4255% | 5,284 |
| Cash dividends to net income (ytd only)* | 3.5186% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,399 |
| Loan loss allowance to noncurrent loans | 167.7945% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 2.1503% | 2,729 |
| Noncurrent loans to loans | 0.7270% | 5,205 |
| Net loans and leases to total assets | 77.8316% | 610 |
| Net loans and leases to deposits | 87.2788% | 1,252 |
| Net loans and leases to core deposits | 89.6164% | 1,890 |
| Total domestic deposits to total assets | 89.1758% | 1,584 |
| Equity capital to assets | 10.1167% | 3,971 |
| Core capital (leverage) ratio | 9.6468% | 3,850 |
| Tier 1 risk-based capital ratio | 11.3862% | 6,342 |
| Total risk-based capital ratio | 12.5777% | 6,356 |
| Memoranda: | ||
| Average total assets | $841,121,000 | 794 |
| Average earning assets | $761,086,500 | 792 |
| Average equity | $83,049,500 | 831 |
| Average total loans | $656,519,000 | 636 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8259% | 606 |
| Cost of funding earning assets | 0.8762% | 4,282 |
| Net interest margin | 4.9497% | 458 |
| Noninterest income to average assets | 1.0864% | 1,122 |
| Noninterest expense to average assets | 3.4755% | 2,049 |
| Loan and lease loss provision to assets | 0.1065% | 5,262 |
| Net operating income to assets | 1.3044% | 1,239 |
| Return on assets (ROA) | 1.3272% | 1,271 |
| Pretax return on assets | 2.0260% | 506 |
| Return on Equity (ROE) | 13.3878% | 1,066 |
| Retained earnings to average equity (ytd only) | 8.0792% | 1,051 |
| Net charge-offs to loans | 0.2339% | 4,317 |
| Credit loss provision to net charge-offs | 59.1099% | 5,188 |
| Earnings coverage of net charge-offs (x) | 11.6433% | 1,700 |
| Efficiency ratio | 62.3584% | 5,403 |
| Assets per employee ($millions) | 3.5121% | 4,982 |
| Cash dividends to net income (ytd only)* | 39.6526% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 4,951 |
| Loan loss allowance to noncurrent loans | 69.8455% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 2.7789% | 2,183 |
| Noncurrent loans to loans | 1.8490% | 3,411 |
| Net loans and leases to total assets | 76.3236% | 903 |
| Net loans and leases to deposits | 85.9998% | 1,668 |
| Net loans and leases to core deposits | 88.1985% | 2,352 |
| Total domestic deposits to total assets | 88.7486% | 1,688 |
| Equity capital to assets | 9.6337% | 4,697 |
| Core capital (leverage) ratio | 9.3863% | 4,198 |
| Tier 1 risk-based capital ratio | 11.0281% | 6,443 |
| Total risk-based capital ratio | 12.2818% | 6,423 |
| Memoranda: | ||
| Average total assets | $798,065,400 | 824 |
| Average earning assets | $723,479,000 | 822 |
| Average equity | $79,116,800 | 850 |
| Average total loans | $614,830,600 | 682 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8535% | 618 |
| Cost of funding earning assets | 0.9115% | 4,326 |
| Net interest margin | 4.9421% | 464 |
| Noninterest income to average assets | 0.9523% | 1,479 |
| Noninterest expense to average assets | 3.2428% | 2,683 |
| Loan and lease loss provision to assets | 0.1442% | 4,639 |
| Net operating income to assets | 1.3436% | 1,280 |
| Return on assets (ROA) | 1.3622% | 1,322 |
| Pretax return on assets | 2.0794% | 543 |
| Return on Equity (ROE) | 13.6369% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.9576% | 384 |
| Net charge-offs to loans | 0.3006% | 3,590 |
| Credit loss provision to net charge-offs | 62.3167% | 4,738 |
| Earnings coverage of net charge-offs (x) | 9.4883% | 2,039 |
| Efficiency ratio | 59.6294% | 5,780 |
| Assets per employee ($millions) | 3.3380% | 5,397 |
| Cash dividends to net income (ytd only)* | 4.9813% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 4,801 |
| Loan loss allowance to noncurrent loans | 62.5670% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 3.2077% | 1,988 |
| Noncurrent loans to loans | 2.1481% | 3,184 |
| Net loans and leases to total assets | 77.7974% | 726 |
| Net loans and leases to deposits | 87.2203% | 1,529 |
| Net loans and leases to core deposits | 91.1754% | 2,094 |
| Total domestic deposits to total assets | 89.1964% | 1,305 |
| Equity capital to assets | 10.3070% | 3,943 |
| Core capital (leverage) ratio | 9.8865% | 3,594 |
| Tier 1 risk-based capital ratio | 11.7703% | 6,056 |
| Total risk-based capital ratio | 13.0252% | 6,047 |
| Memoranda: | ||
| Average total assets | $785,977,500 | 841 |
| Average earning assets | $713,421,000 | 841 |
| Average equity | $78,510,750 | 864 |
| Average total loans | $604,921,250 | 698 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7842% | 737 |
| Cost of funding earning assets | 0.9431% | 4,370 |
| Net interest margin | 4.8411% | 567 |
| Noninterest income to average assets | 0.8797% | 1,718 |
| Noninterest expense to average assets | 3.2287% | 2,807 |
| Loan and lease loss provision to assets | 0.2180% | 3,739 |
| Net operating income to assets | 1.2014% | 1,565 |
| Return on assets (ROA) | 1.2136% | 1,613 |
| Pretax return on assets | 1.8530% | 782 |
| Return on Equity (ROE) | 12.2840% | 1,414 |
| Retained earnings to average equity (ytd only) | 12.0245% | 515 |
| Net charge-offs to loans | 0.4477% | 2,785 |
| Credit loss provision to net charge-offs | 63.8138% | 4,240 |
| Earnings coverage of net charge-offs (x) | 6.0075% | 2,491 |
| Efficiency ratio | 61.1384% | 5,709 |
| Assets per employee ($millions) | 3.2495% | 5,533 |
| Cash dividends to net income (ytd only)* | 2.1133% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 4,595 |
| Loan loss allowance to noncurrent loans | 65.5785% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 3.2055% | 2,093 |
| Noncurrent loans to loans | 2.1280% | 3,316 |
| Net loans and leases to total assets | 76.8949% | 932 |
| Net loans and leases to deposits | 88.5849% | 1,415 |
| Net loans and leases to core deposits | 90.7896% | 2,282 |
| Total domestic deposits to total assets | 86.8037% | 2,854 |
| Equity capital to assets | 10.1526% | 3,942 |
| Core capital (leverage) ratio | 9.6745% | 3,698 |
| Tier 1 risk-based capital ratio | 11.6409% | 6,064 |
| Total risk-based capital ratio | 12.8984% | 6,048 |
| Memoranda: | ||
| Average total assets | $779,821,330 | 857 |
| Average earning assets | $708,968,330 | 860 |
| Average equity | $77,043,000 | 880 |
| Average total loans | $595,107,000 | 722 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 961 |
| Cost of funding earning assets | 0.9749% | 4,393 |
| Net interest margin | 4.6835% | 736 |
| Noninterest income to average assets | 0.8015% | 2,029 |
| Noninterest expense to average assets | 3.1421% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2626% | 1,360 |
| Return on assets (ROA) | 1.2800% | 1,370 |
| Pretax return on assets | 1.9548% | 599 |
| Return on Equity (ROE) | 13.1402% | 1,161 |
| Retained earnings to average equity (ytd only) | 12.6115% | 653 |
| Net charge-offs to loans | 0.4914% | 2,247 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.1986% | 2,316 |
| Efficiency ratio | 61.9730% | 5,683 |
| Assets per employee ($millions) | 3.2294% | 5,647 |
| Cash dividends to net income (ytd only)* | 4.0241% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 4,524 |
| Loan loss allowance to noncurrent loans | 56.1366% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 3.5073% | 1,943 |
| Noncurrent loans to loans | 2.5465% | 2,939 |
| Net loans and leases to total assets | 74.9557% | 1,188 |
| Net loans and leases to deposits | 83.7847% | 2,067 |
| Net loans and leases to core deposits | 86.3671% | 2,824 |
| Total domestic deposits to total assets | 89.4622% | 1,501 |
| Equity capital to assets | 10.0503% | 3,712 |
| Core capital (leverage) ratio | 9.3636% | 4,028 |
| Tier 1 risk-based capital ratio | 11.8527% | 5,817 |
| Total risk-based capital ratio | 13.1109% | 5,816 |
| Memoranda: | ||
| Average total assets | $776,543,500 | 868 |
| Average earning assets | $707,760,000 | 867 |
| Average equity | $75,645,500 | 887 |
| Average total loans | $586,039,500 | 740 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0910% | 713 |
| Cost of funding earning assets | 1.1776% | 4,688 |
| Net interest margin | 4.9133% | 529 |
| Noninterest income to average assets | 0.9216% | 1,772 |
| Noninterest expense to average assets | 3.3492% | 2,584 |
| Loan and lease loss provision to assets | 0.1160% | 5,996 |
| Net operating income to assets | 1.2843% | 1,214 |
| Return on assets (ROA) | 1.2849% | 1,269 |
| Pretax return on assets | 1.9611% | 527 |
| Return on Equity (ROE) | 13.4078% | 1,000 |
| Retained earnings to average equity (ytd only) | 7.7317% | 1,066 |
| Net charge-offs to loans | 0.1743% | 5,279 |
| Credit loss provision to net charge-offs | 84.0456% | 5,382 |
| Earnings coverage of net charge-offs (x) | 15.0427% | 1,303 |
| Efficiency ratio | 61.4693% | 5,817 |
| Assets per employee ($millions) | 3.2958% | 5,439 |
| Cash dividends to net income (ytd only)* | 42.3340% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,853 |
| Loan loss allowance to noncurrent loans | 53.9540% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.3198% | 2,946 |
| Noncurrent loans to loans | 2.8395% | 2,679 |
| Net loans and leases to total assets | 73.7613% | 1,705 |
| Net loans and leases to deposits | 84.9119% | 2,295 |
| Net loans and leases to core deposits | 87.5401% | 3,114 |
| Total domestic deposits to total assets | 86.8681% | 2,900 |
| Equity capital to assets | 9.4411% | 4,481 |
| Core capital (leverage) ratio | 9.0819% | 4,390 |
| Tier 1 risk-based capital ratio | 11.4954% | 5,916 |
| Total risk-based capital ratio | 12.7544% | 5,911 |
| Memoranda: | ||
| Average total assets | $762,951,200 | 885 |
| Average earning assets | $699,362,200 | 880 |
| Average equity | $73,114,400 | 914 |
| Average total loans | $604,030,800 | 737 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1439% | 692 |
| Cost of funding earning assets | 1.2293% | 4,692 |
| Net interest margin | 4.9146% | 540 |
| Noninterest income to average assets | 0.8880% | 1,840 |
| Noninterest expense to average assets | 3.1208% | 3,236 |
| Loan and lease loss provision to assets | 0.1471% | 5,569 |
| Net operating income to assets | 1.3914% | 1,121 |
| Return on assets (ROA) | 1.3922% | 1,199 |
| Pretax return on assets | 2.1251% | 478 |
| Return on Equity (ROE) | 14.4720% | 942 |
| Retained earnings to average equity (ytd only) | 14.0141% | 273 |
| Net charge-offs to loans | 0.0803% | 5,718 |
| Credit loss provision to net charge-offs | 228.1421% | 1,507 |
| Earnings coverage of net charge-offs (x) | 35.2184% | 768 |
| Efficiency ratio | 57.5238% | 6,339 |
| Assets per employee ($millions) | 3.1454% | 5,817 |
| Cash dividends to net income (ytd only)* | 3.1638% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 3,551 |
| Loan loss allowance to noncurrent loans | 51.4515% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.6583% | 2,721 |
| Noncurrent loans to loans | 3.0946% | 2,577 |
| Net loans and leases to total assets | 79.5598% | 815 |
| Net loans and leases to deposits | 92.6266% | 1,369 |
| Net loans and leases to core deposits | 95.7768% | 2,293 |
| Total domestic deposits to total assets | 85.8930% | 3,131 |
| Equity capital to assets | 10.2608% | 3,811 |
| Core capital (leverage) ratio | 9.6341% | 3,703 |
| Tier 1 risk-based capital ratio | 11.6843% | 5,744 |
| Total risk-based capital ratio | 12.9425% | 5,713 |
| Memoranda: | ||
| Average total assets | $756,762,000 | 892 |
| Average earning assets | $693,506,000 | 888 |
| Average equity | $72,801,000 | 916 |
| Average total loans | $607,522,500 | 733 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0747% | 798 |
| Cost of funding earning assets | 1.2595% | 4,767 |
| Net interest margin | 4.8152% | 643 |
| Noninterest income to average assets | 0.8409% | 1,920 |
| Noninterest expense to average assets | 3.1156% | 3,241 |
| Loan and lease loss provision to assets | 0.1806% | 5,060 |
| Net operating income to assets | 1.2841% | 1,344 |
| Return on assets (ROA) | 1.2853% | 1,404 |
| Pretax return on assets | 1.9604% | 657 |
| Return on Equity (ROE) | 13.6610% | 1,109 |
| Retained earnings to average equity (ytd only) | 12.9603% | 385 |
| Net charge-offs to loans | 0.0622% | 5,518 |
| Credit loss provision to net charge-offs | 362.4339% | 1,009 |
| Earnings coverage of net charge-offs (x) | 42.9206% | 689 |
| Efficiency ratio | 58.7444% | 6,267 |
| Assets per employee ($millions) | 3.2761% | 5,493 |
| Cash dividends to net income (ytd only)* | 5.1293% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 3,544 |
| Loan loss allowance to noncurrent loans | 90.4296% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.5614% | 4,120 |
| Noncurrent loans to loans | 1.7456% | 4,068 |
| Net loans and leases to total assets | 78.9261% | 971 |
| Net loans and leases to deposits | 93.8302% | 1,299 |
| Net loans and leases to core deposits | 97.2410% | 2,306 |
| Total domestic deposits to total assets | 84.1159% | 4,059 |
| Equity capital to assets | 9.6463% | 4,474 |
| Core capital (leverage) ratio | 9.0968% | 4,464 |
| Tier 1 risk-based capital ratio | 10.9895% | 6,240 |
| Total risk-based capital ratio | 12.2483% | 6,222 |
| Memoranda: | ||
| Average total assets | $758,433,330 | 894 |
| Average earning assets | $695,208,000 | 889 |
| Average equity | $71,356,330 | 933 |
| Average total loans | $607,441,330 | 739 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1385% | 723 |
| Cost of funding earning assets | 1.2732% | 4,977 |
| Net interest margin | 4.8653% | 566 |
| Noninterest income to average assets | 0.7774% | 2,137 |
| Noninterest expense to average assets | 3.2691% | 2,638 |
| Loan and lease loss provision to assets | 0.1591% | 4,940 |
| Net operating income to assets | 1.1820% | 1,589 |
| Return on assets (ROA) | 1.1820% | 1,669 |
| Pretax return on assets | 1.8050% | 865 |
| Return on Equity (ROE) | 12.7262% | 1,318 |
| Retained earnings to average equity (ytd only) | 11.8698% | 768 |
| Net charge-offs to loans | 0.1073% | 4,352 |
| Credit loss provision to net charge-offs | 185.1852% | 1,979 |
| Earnings coverage of net charge-offs (x) | 22.8642% | 1,072 |
| Efficiency ratio | 61.8097% | 5,869 |
| Assets per employee ($millions) | 3.2791% | 5,587 |
| Cash dividends to net income (ytd only)* | 6.7295% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 3,610 |
| Loan loss allowance to noncurrent loans | 91.4929% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 4,229 |
| Noncurrent loans to loans | 1.7077% | 4,180 |
| Net loans and leases to total assets | 78.0732% | 1,143 |
| Net loans and leases to deposits | 92.2215% | 1,583 |
| Net loans and leases to core deposits | 95.0887% | 2,691 |
| Total domestic deposits to total assets | 84.6583% | 3,825 |
| Equity capital to assets | 9.4309% | 4,641 |
| Core capital (leverage) ratio | 8.9795% | 4,605 |
| Tier 1 risk-based capital ratio | 10.8023% | 6,341 |
| Total risk-based capital ratio | 12.0614% | 6,316 |
| Memoranda: | ||
| Average total assets | $754,346,000 | 922 |
| Average earning assets | $690,850,500 | 914 |
| Average equity | $70,060,000 | 957 |
| Average total loans | $603,783,000 | 764 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4254% | 782 |
| Cost of funding earning assets | 1.6812% | 4,610 |
| Net interest margin | 4.7442% | 773 |
| Noninterest income to average assets | 0.8910% | 1,980 |
| Noninterest expense to average assets | 3.1982% | 3,385 |
| Loan and lease loss provision to assets | 0.6360% | 3,259 |
| Net operating income to assets | 0.9143% | 2,131 |
| Return on assets (ROA) | 0.9201% | 2,174 |
| Pretax return on assets | 1.4105% | 1,404 |
| Return on Equity (ROE) | 9.8204% | 1,738 |
| Retained earnings to average equity (ytd only) | 4.9973% | 1,817 |
| Net charge-offs to loans | 0.2277% | 5,194 |
| Credit loss provision to net charge-offs | 337.0288% | 960 |
| Earnings coverage of net charge-offs (x) | 10.7975% | 1,646 |
| Efficiency ratio | 60.3879% | 6,417 |
| Assets per employee ($millions) | 3.2243% | 5,668 |
| Cash dividends to net income (ytd only)* | 49.1132% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 3,661 |
| Loan loss allowance to noncurrent loans | 94.1032% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.4586% | 4,220 |
| Noncurrent loans to loans | 1.6057% | 4,251 |
| Net loans and leases to total assets | 79.5481% | 1,080 |
| Net loans and leases to deposits | 92.5567% | 1,810 |
| Net loans and leases to core deposits | 104.5118% | 3,514 |
| Total domestic deposits to total assets | 85.9452% | 3,046 |
| Equity capital to assets | 9.1442% | 4,921 |
| Core capital (leverage) ratio | 8.7465% | 4,846 |
| Tier 1 risk-based capital ratio | 10.0487% | 6,827 |
| Total risk-based capital ratio | 11.3046% | 6,793 |
| Memoranda: | ||
| Average total assets | $716,962,800 | 950 |
| Average earning assets | $656,611,200 | 948 |
| Average equity | $67,176,600 | 982 |
| Average total loans | $594,152,400 | 799 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5012% | 744 |
| Cost of funding earning assets | 1.7725% | 4,510 |
| Net interest margin | 4.7287% | 792 |
| Noninterest income to average assets | 0.9229% | 1,892 |
| Noninterest expense to average assets | 3.0950% | 3,663 |
| Loan and lease loss provision to assets | 0.7971% | 2,371 |
| Net operating income to assets | 0.8903% | 2,451 |
| Return on assets (ROA) | 0.8943% | 2,515 |
| Pretax return on assets | 1.3725% | 1,763 |
| Return on Equity (ROE) | 9.4838% | 2,105 |
| Retained earnings to average equity (ytd only) | 7.0859% | 1,469 |
| Net charge-offs to loans | 0.2198% | 4,660 |
| Credit loss provision to net charge-offs | 434.7379% | 915 |
| Earnings coverage of net charge-offs (x) | 11.7996% | 1,819 |
| Efficiency ratio | 58.1560% | 6,696 |
| Assets per employee ($millions) | 3.1632% | 5,745 |
| Cash dividends to net income (ytd only)* | 25.2845% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 3,182 |
| Loan loss allowance to noncurrent loans | 88.9166% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.5623% | 4,018 |
| Noncurrent loans to loans | 1.7470% | 4,000 |
| Net loans and leases to total assets | 79.6063% | 1,259 |
| Net loans and leases to deposits | 95.7531% | 1,611 |
| Net loans and leases to core deposits | 109.4453% | 3,299 |
| Total domestic deposits to total assets | 83.1371% | 4,155 |
| Equity capital to assets | 9.3651% | 4,933 |
| Core capital (leverage) ratio | 8.7910% | 4,991 |
| Tier 1 risk-based capital ratio | 10.3932% | 6,578 |
| Total risk-based capital ratio | 11.6499% | 6,515 |
| Memoranda: | ||
| Average total assets | $707,580,500 | 972 |
| Average earning assets | $648,727,250 | 972 |
| Average equity | $66,722,750 | 1,001 |
| Average total loans | $590,342,500 | 823 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5156% | 794 |
| Cost of funding earning assets | 1.8352% | 4,581 |
| Net interest margin | 4.6805% | 829 |
| Noninterest income to average assets | 1.0098% | 1,563 |
| Noninterest expense to average assets | 3.2111% | 3,308 |
| Loan and lease loss provision to assets | 0.7538% | 2,182 |
| Net operating income to assets | 0.8642% | 2,592 |
| Return on assets (ROA) | 0.8642% | 2,699 |
| Pretax return on assets | 1.3294% | 1,938 |
| Return on Equity (ROE) | 9.1425% | 2,307 |
| Retained earnings to average equity (ytd only) | 5.8069% | 2,110 |
| Net charge-offs to loans | 0.2032% | 4,259 |
| Credit loss provision to net charge-offs | 439.7993% | 1,056 |
| Earnings coverage of net charge-offs (x) | 12.1538% | 1,843 |
| Efficiency ratio | 59.9426% | 6,564 |
| Assets per employee ($millions) | 2.9057% | 6,369 |
| Cash dividends to net income (ytd only)* | 36.4842% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 3,989 |
| Loan loss allowance to noncurrent loans | 73.6364% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.7657% | 3,528 |
| Noncurrent loans to loans | 1.8306% | 3,766 |
| Net loans and leases to total assets | 85.3716% | 455 |
| Net loans and leases to deposits | 102.2477% | 1,058 |
| Net loans and leases to core deposits | 116.7909% | 2,643 |
| Total domestic deposits to total assets | 83.4949% | 4,016 |
| Equity capital to assets | 9.7472% | 4,286 |
| Core capital (leverage) ratio | 9.1754% | 4,341 |
| Tier 1 risk-based capital ratio | 10.1989% | 6,715 |
| Total risk-based capital ratio | 11.4516% | 6,640 |
| Memoranda: | ||
| Average total assets | $697,763,670 | 1,010 |
| Average earning assets | $638,741,330 | 1,009 |
| Average equity | $65,955,670 | 1,025 |
| Average total loans | $588,463,000 | 845 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5876% | 725 |
| Cost of funding earning assets | 1.9166% | 4,548 |
| Net interest margin | 4.6709% | 815 |
| Noninterest income to average assets | 0.9494% | 1,643 |
| Noninterest expense to average assets | 3.1678% | 3,125 |
| Loan and lease loss provision to assets | 0.5866% | 2,145 |
| Net operating income to assets | 0.9585% | 2,485 |
| Return on assets (ROA) | 0.9585% | 2,612 |
| Pretax return on assets | 1.4757% | 1,738 |
| Return on Equity (ROE) | 10.2980% | 2,200 |
| Retained earnings to average equity (ytd only) | 4.1792% | 3,589 |
| Net charge-offs to loans | 0.0082% | 5,548 |
| Credit loss provision to net charge-offs | 8,583.3333% | 78 |
| Earnings coverage of net charge-offs (x) | 301.7500% | 136 |
| Efficiency ratio | 59.8606% | 6,428 |
| Assets per employee ($millions) | 2.8483% | 6,536 |
| Cash dividends to net income (ytd only)* | 59.4177% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 4,725 |
| Loan loss allowance to noncurrent loans | 78.9361% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3426% | 3,981 |
| Noncurrent loans to loans | 1.5352% | 3,976 |
| Net loans and leases to total assets | 83.3571% | 797 |
| Net loans and leases to deposits | 98.5003% | 1,598 |
| Net loans and leases to core deposits | 113.3571% | 3,071 |
| Total domestic deposits to total assets | 84.6263% | 3,405 |
| Equity capital to assets | 9.5751% | 4,563 |
| Core capital (leverage) ratio | 8.9245% | 4,829 |
| Tier 1 risk-based capital ratio | 10.2145% | 6,701 |
| Total risk-based capital ratio | 11.4319% | 6,645 |
| Memoranda: | ||
| Average total assets | $702,325,500 | 1,004 |
| Average earning assets | $643,638,000 | 1,000 |
| Average equity | $65,372,000 | 1,041 |
| Average total loans | $584,726,500 | 851 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2182% | 709 |
| Cost of funding earning assets | 2.6153% | 3,605 |
| Net interest margin | 4.6029% | 1,168 |
| Noninterest income to average assets | 0.9399% | 1,816 |
| Noninterest expense to average assets | 3.3283% | 2,869 |
| Loan and lease loss provision to assets | 0.3682% | 3,473 |
| Net operating income to assets | 0.9266% | 2,888 |
| Return on assets (ROA) | 0.9266% | 2,742 |
| Pretax return on assets | 1.4255% | 1,885 |
| Return on Equity (ROE) | 10.3946% | 2,128 |
| Retained earnings to average equity (ytd only) | 5.2560% | 1,881 |
| Net charge-offs to loans | 0.4500% | 2,578 |
| Credit loss provision to net charge-offs | 95.9853% | 5,509 |
| Earnings coverage of net charge-offs (x) | 4.6759% | 3,905 |
| Efficiency ratio | 64.2603% | 5,505 |
| Assets per employee ($millions) | 2.9678% | 6,126 |
| Cash dividends to net income (ytd only)* | 49.4358% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 5,874 |
| Loan loss allowance to noncurrent loans | 87.0341% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 4,310 |
| Noncurrent loans to loans | 1.1682% | 4,191 |
| Net loans and leases to total assets | 81.3461% | 1,349 |
| Net loans and leases to deposits | 95.3573% | 2,554 |
| Net loans and leases to core deposits | 109.3213% | 3,823 |
| Total domestic deposits to total assets | 85.3066% | 2,701 |
| Equity capital to assets | 9.0526% | 5,302 |
| Core capital (leverage) ratio | 8.6480% | 5,288 |
| Tier 1 risk-based capital ratio | 9.9108% | 6,833 |
| Total risk-based capital ratio | 10.9434% | 6,999 |
| Memoranda: | ||
| Average total assets | $707,748,400 | 947 |
| Average earning assets | $643,052,600 | 943 |
| Average equity | $63,090,200 | 1,064 |
| Average total loans | $603,333,400 | 793 |