Home > First Farmers Bank & Trust Co. > Performance and Condition Ratios
First Farmers Bank & Trust Co., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0021% | 633 |
| Cost of funding earning assets | 2.1402% | 712 |
| Net interest margin | 3.8620% | 1,454 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.0040% | 3,619 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.6246% | 830 |
| Return on assets (ROA) | 1.6083% | 824 |
| Pretax return on assets | 1.9984% | 678 |
| Return on Equity (ROE) | 18.2800% | 781 |
| Retained earnings to average equity (ytd only) | 11.3454% | 721 |
| Net charge-offs to loans | 0.3132% | 345 |
| Credit loss provision to net charge-offs | 74.6489% | 2,057 |
| Earnings coverage of net charge-offs (x) | 9.3076% | 2,300 |
| Efficiency ratio | 47.6336% | 4,105 |
| Assets per employee ($millions) | 7.6680% | 1,611 |
| Cash dividends to net income (ytd only)* | 37.9289% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 951 |
| Loan loss allowance to noncurrent loans | 229.3630% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 1,104 |
| Noncurrent loans to loans | 0.6738% | 1,161 |
| Net loans and leases to total assets | 74.1400% | 1,341 |
| Net loans and leases to deposits | 85.0975% | 1,684 |
| Net loans and leases to core deposits | 106.6106% | 1,086 |
| Total domestic deposits to total assets | 87.1300% | 1,634 |
| Equity capital to assets | 8.9835% | 2,685 |
| Core capital (leverage) ratio | 9.8191% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2723% | 2,145 |
| Memoranda: | ||
| Average total assets | $2,868,862,600 | 410 |
| Average earning assets | $2,681,572,600 | 399 |
| Average equity | $252,429,200 | 448 |
| Average total loans | $2,159,633,200 | 383 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8879% | 612 |
| Cost of funding earning assets | 2.0081% | 697 |
| Net interest margin | 3.8799% | 1,447 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 1.9997% | 3,596 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.6341% | 885 |
| Return on assets (ROA) | 1.6114% | 911 |
| Pretax return on assets | 2.0052% | 747 |
| Return on Equity (ROE) | 18.4200% | 889 |
| Retained earnings to average equity (ytd only) | 11.1638% | 1,136 |
| Net charge-offs to loans | 0.1978% | 444 |
| Credit loss provision to net charge-offs | 118.4086% | 1,493 |
| Earnings coverage of net charge-offs (x) | 14.8446% | 1,983 |
| Efficiency ratio | 47.4178% | 4,070 |
| Assets per employee ($millions) | 7.5403% | 1,609 |
| Cash dividends to net income (ytd only)* | 39.3793% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 818 |
| Loan loss allowance to noncurrent loans | 371.4798% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 1,707 |
| Noncurrent loans to loans | 0.4400% | 1,732 |
| Net loans and leases to total assets | 73.8600% | 1,354 |
| Net loans and leases to deposits | 87.9668% | 1,390 |
| Net loans and leases to core deposits | 109.9370% | 876 |
| Total domestic deposits to total assets | 83.9600% | 2,787 |
| Equity capital to assets | 8.2329% | 2,897 |
| Core capital (leverage) ratio | 9.7732% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2243% | 2,192 |
| Memoranda: | ||
| Average total assets | $2,836,535,250 | 415 |
| Average earning assets | $2,650,375,000 | 402 |
| Average equity | $248,201,000 | 451 |
| Average total loans | $2,135,071,750 | 384 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 606 |
| Cost of funding earning assets | 1.8145% | 719 |
| Net interest margin | 3.9200% | 1,385 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 1.9982% | 3,604 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.6578% | 856 |
| Return on assets (ROA) | 1.6462% | 882 |
| Pretax return on assets | 2.0483% | 694 |
| Return on Equity (ROE) | 18.4300% | 901 |
| Retained earnings to average equity (ytd only) | 14.8268% | 578 |
| Net charge-offs to loans | 0.3023% | 278 |
| Credit loss provision to net charge-offs | 84.7724% | 1,530 |
| Earnings coverage of net charge-offs (x) | 9.9049% | 2,010 |
| Efficiency ratio | 46.8524% | 4,123 |
| Assets per employee ($millions) | 7.3161% | 1,714 |
| Cash dividends to net income (ytd only)* | 19.5482% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 862 |
| Loan loss allowance to noncurrent loans | 173.5190% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7129% | 733 |
| Noncurrent loans to loans | 0.9440% | 806 |
| Net loans and leases to total assets | 74.2900% | 1,251 |
| Net loans and leases to deposits | 91.5865% | 1,055 |
| Net loans and leases to core deposits | 105.8155% | 992 |
| Total domestic deposits to total assets | 81.1100% | 3,414 |
| Equity capital to assets | 8.9422% | 2,555 |
| Core capital (leverage) ratio | 9.9865% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4590% | 2,113 |
| Memoranda: | ||
| Average total assets | $2,796,779,000 | 406 |
| Average earning assets | $2,614,778,667 | 395 |
| Average equity | $249,818,667 | 440 |
| Average total loans | $2,106,947,667 | 375 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5142% | 608 |
| Cost of funding earning assets | 1.5886% | 714 |
| Net interest margin | 3.9256% | 1,417 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 1.9639% | 3,704 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.6836% | 851 |
| Return on assets (ROA) | 1.6586% | 887 |
| Pretax return on assets | 2.0657% | 691 |
| Return on Equity (ROE) | 18.5800% | 951 |
| Retained earnings to average equity (ytd only) | 11.3058% | 1,397 |
| Net charge-offs to loans | 0.4235% | 190 |
| Credit loss provision to net charge-offs | 61.1413% | 1,277 |
| Earnings coverage of net charge-offs (x) | 7.1929% | 1,762 |
| Efficiency ratio | 46.0550% | 4,213 |
| Assets per employee ($millions) | 7.5835% | 1,572 |
| Cash dividends to net income (ytd only)* | 39.1475% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 913 |
| Loan loss allowance to noncurrent loans | 140.7904% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8765% | 515 |
| Noncurrent loans to loans | 1.1713% | 598 |
| Net loans and leases to total assets | 73.6000% | 1,250 |
| Net loans and leases to deposits | 83.2025% | 1,554 |
| Net loans and leases to core deposits | 96.2008% | 1,274 |
| Total domestic deposits to total assets | 88.4600% | 1,752 |
| Equity capital to assets | 8.8476% | 2,633 |
| Core capital (leverage) ratio | 9.8687% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1286% | 2,342 |
| Memoranda: | ||
| Average total assets | $2,772,186,000 | 424 |
| Average earning assets | $2,591,280,000 | 411 |
| Average equity | $247,482,500 | 454 |
| Average total loans | $2,085,699,000 | 392 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 870 |
| Cost of funding earning assets | 0.5142% | 1,299 |
| Net interest margin | 3.8934% | 966 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.0224% | 3,525 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.6843% | 553 |
| Return on assets (ROA) | 1.6236% | 616 |
| Pretax return on assets | 2.0344% | 438 |
| Return on Equity (ROE) | 16.8700% | 882 |
| Retained earnings to average equity (ytd only) | 10.7479% | 946 |
| Net charge-offs to loans | 0.1761% | 469 |
| Credit loss provision to net charge-offs | 180.4281% | 1,183 |
| Earnings coverage of net charge-offs (x) | 18.2391% | 1,936 |
| Efficiency ratio | 46.1838% | 4,334 |
| Assets per employee ($millions) | 7.5440% | 1,590 |
| Cash dividends to net income (ytd only)* | 36.2783% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,003 |
| Loan loss allowance to noncurrent loans | 85.8892% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 456 |
| Noncurrent loans to loans | 1.2534% | 552 |
| Net loans and leases to total assets | 74.8300% | 1,142 |
| Net loans and leases to deposits | 87.3557% | 1,215 |
| Net loans and leases to core deposits | 97.6072% | 1,121 |
| Total domestic deposits to total assets | 85.6700% | 2,808 |
| Equity capital to assets | 9.0091% | 2,352 |
| Core capital (leverage) ratio | 10.1616% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8237% | 2,442 |
| Memoranda: | ||
| Average total assets | $2,546,659,000 | 449 |
| Average earning assets | $2,382,302,000 | 434 |
| Average equity | $245,135,200 | 450 |
| Average total loans | $1,856,662,400 | 401 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 978 |
| Cost of funding earning assets | 0.3216% | 1,949 |
| Net interest margin | 3.8279% | 908 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.0259% | 3,414 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.7471% | 473 |
| Return on assets (ROA) | 1.6642% | 560 |
| Pretax return on assets | 2.0675% | 403 |
| Return on Equity (ROE) | 16.9900% | 791 |
| Retained earnings to average equity (ytd only) | 10.4538% | 1,211 |
| Net charge-offs to loans | 0.0481% | 1,004 |
| Credit loss provision to net charge-offs | 446.1538% | 658 |
| Earnings coverage of net charge-offs (x) | 67.0569% | 1,120 |
| Efficiency ratio | 46.4012% | 4,358 |
| Assets per employee ($millions) | 7.2247% | 1,797 |
| Cash dividends to net income (ytd only)* | 38.4751% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,834 |
| Loan loss allowance to noncurrent loans | 74.6408% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1444% | 380 |
| Noncurrent loans to loans | 1.5293% | 452 |
| Net loans and leases to total assets | 73.8200% | 1,116 |
| Net loans and leases to deposits | 86.2835% | 1,151 |
| Net loans and leases to core deposits | 93.5781% | 1,115 |
| Total domestic deposits to total assets | 85.5500% | 3,159 |
| Equity capital to assets | 9.0538% | 2,175 |
| Core capital (leverage) ratio | 10.4464% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4555% | 2,283 |
| Memoranda: | ||
| Average total assets | $2,498,701,750 | 453 |
| Average earning assets | $2,340,375,750 | 440 |
| Average equity | $244,740,750 | 454 |
| Average total loans | $1,802,916,750 | 405 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 1,102 |
| Cost of funding earning assets | 0.2559% | 2,185 |
| Net interest margin | 3.6516% | 993 |
| Noninterest income to average assets | 0.7809% | 1,096 |
| Noninterest expense to average assets | 2.0020% | 3,424 |
| Loan and lease loss provision to assets | 0.1334% | 717 |
| Net operating income to assets | 1.6696% | 462 |
| Return on assets (ROA) | 1.6684% | 457 |
| Pretax return on assets | 2.0716% | 321 |
| Return on Equity (ROE) | 16.5983% | 623 |
| Retained earnings to average equity (ytd only) | 10.9690% | 788 |
| Net charge-offs to loans | 0.0299% | 1,130 |
| Credit loss provision to net charge-offs | 625.0000% | 552 |
| Earnings coverage of net charge-offs (x) | 103.3977% | 797 |
| Efficiency ratio | 47.3936% | 4,378 |
| Assets per employee ($millions) | 6.9189% | 1,993 |
| Cash dividends to net income (ytd only)* | 33.9147% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,965 |
| Loan loss allowance to noncurrent loans | 86.4202% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 482 |
| Noncurrent loans to loans | 1.3228% | 591 |
| Net loans and leases to total assets | 73.5186% | 953 |
| Net loans and leases to deposits | 85.4729% | 1,014 |
| Net loans and leases to core deposits | 90.4542% | 1,098 |
| Total domestic deposits to total assets | 86.0140% | 3,242 |
| Equity capital to assets | 9.5740% | 1,958 |
| Core capital (leverage) ratio | 10.1904% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7973% | 2,157 |
| Memoranda: | ||
| Average total assets | $2,474,272,333 | 452 |
| Average earning assets | $2,322,433,000 | 443 |
| Average equity | $248,700,000 | 444 |
| Average total loans | $1,763,724,000 | 405 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 1,057 |
| Cost of funding earning assets | 0.2507% | 2,151 |
| Net interest margin | 3.5668% | 949 |
| Noninterest income to average assets | 0.8922% | 849 |
| Noninterest expense to average assets | 1.9572% | 3,536 |
| Loan and lease loss provision to assets | 0.1456% | 548 |
| Net operating income to assets | 1.7033% | 409 |
| Return on assets (ROA) | 1.7031% | 412 |
| Pretax return on assets | 2.1469% | 273 |
| Return on Equity (ROE) | 16.5500% | 472 |
| Retained earnings to average equity (ytd only) | 10.2626% | 956 |
| Net charge-offs to loans | -0.0176% | 3,848 |
| Credit loss provision to net charge-offs | -1,184.2105% | 3,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8421% | 4,501 |
| Assets per employee ($millions) | 7.2098% | 1,847 |
| Cash dividends to net income (ytd only)* | 37.9903% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,898 |
| Loan loss allowance to noncurrent loans | 78.3427% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 467 |
| Noncurrent loans to loans | 1.5219% | 533 |
| Net loans and leases to total assets | 68.0023% | 1,212 |
| Net loans and leases to deposits | 79.8084% | 1,160 |
| Net loans and leases to core deposits | 84.8755% | 1,194 |
| Total domestic deposits to total assets | 85.2069% | 3,495 |
| Equity capital to assets | 9.8253% | 2,034 |
| Core capital (leverage) ratio | 10.1095% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2063% | 2,119 |
| Memoranda: | ||
| Average total assets | $2,472,924,000 | 456 |
| Average earning assets | $2,328,030,000 | 447 |
| Average equity | $254,477,500 | 448 |
| Average total loans | $1,724,540,000 | 414 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 1,367 |
| Cost of funding earning assets | 0.3156% | 2,243 |
| Net interest margin | 3.6792% | 1,267 |
| Noninterest income to average assets | 1.0315% | 937 |
| Noninterest expense to average assets | 2.2137% | 3,036 |
| Loan and lease loss provision to assets | 0.4117% | 162 |
| Net operating income to assets | 1.5508% | 910 |
| Return on assets (ROA) | 1.5584% | 923 |
| Pretax return on assets | 1.8900% | 738 |
| Return on Equity (ROE) | 14.3992% | 1,087 |
| Retained earnings to average equity (ytd only) | 9.9945% | 920 |
| Net charge-offs to loans | 0.4679% | 179 |
| Credit loss provision to net charge-offs | 125.5783% | 1,615 |
| Earnings coverage of net charge-offs (x) | 6.9921% | 2,371 |
| Efficiency ratio | 48.7915% | 4,362 |
| Assets per employee ($millions) | 6.6932% | 2,161 |
| Cash dividends to net income (ytd only)* | 30.5904% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,144 |
| Loan loss allowance to noncurrent loans | 76.0476% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.1289% | 456 |
| Noncurrent loans to loans | 1.5063% | 601 |
| Net loans and leases to total assets | 69.8738% | 1,057 |
| Net loans and leases to deposits | 80.9274% | 1,139 |
| Net loans and leases to core deposits | 86.2629% | 1,186 |
| Total domestic deposits to total assets | 86.3413% | 2,784 |
| Equity capital to assets | 10.7724% | 1,957 |
| Core capital (leverage) ratio | 10.3109% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6344% | 2,395 |
| Memoranda: | ||
| Average total assets | $2,307,387,400 | 461 |
| Average earning assets | $2,179,112,800 | 455 |
| Average equity | $249,728,400 | 449 |
| Average total loans | $1,616,808,600 | 436 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 1,361 |
| Cost of funding earning assets | 0.3285% | 2,318 |
| Net interest margin | 3.7469% | 1,231 |
| Noninterest income to average assets | 1.0059% | 1,062 |
| Noninterest expense to average assets | 2.2365% | 2,941 |
| Loan and lease loss provision to assets | 0.4685% | 126 |
| Net operating income to assets | 1.5222% | 1,221 |
| Return on assets (ROA) | 1.5306% | 1,240 |
| Pretax return on assets | 1.8521% | 1,043 |
| Return on Equity (ROE) | 14.1248% | 1,355 |
| Retained earnings to average equity (ytd only) | 10.3420% | 1,216 |
| Net charge-offs to loans | 0.5735% | 136 |
| Credit loss provision to net charge-offs | 116.8566% | 1,475 |
| Earnings coverage of net charge-offs (x) | 5.7629% | 2,211 |
| Efficiency ratio | 48.8389% | 4,306 |
| Assets per employee ($millions) | 6.3665% | 2,360 |
| Cash dividends to net income (ytd only)* | 26.7809% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,060 |
| Loan loss allowance to noncurrent loans | 66.3401% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.2424% | 466 |
| Noncurrent loans to loans | 1.7842% | 543 |
| Net loans and leases to total assets | 68.8100% | 1,217 |
| Net loans and leases to deposits | 80.4608% | 1,245 |
| Net loans and leases to core deposits | 86.3611% | 1,271 |
| Total domestic deposits to total assets | 85.5198% | 2,937 |
| Equity capital to assets | 11.1907% | 1,899 |
| Core capital (leverage) ratio | 10.4415% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3748% | 2,215 |
| Memoranda: | ||
| Average total assets | $2,276,829,250 | 473 |
| Average earning assets | $2,151,704,750 | 464 |
| Average equity | $246,728,250 | 455 |
| Average total loans | $1,591,676,000 | 449 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 1,987 |
| Cost of funding earning assets | 0.3402% | 2,401 |
| Net interest margin | 3.4927% | 1,874 |
| Noninterest income to average assets | 1.0561% | 983 |
| Noninterest expense to average assets | 2.2329% | 2,973 |
| Loan and lease loss provision to assets | 0.3874% | 171 |
| Net operating income to assets | 1.4445% | 1,430 |
| Return on assets (ROA) | 1.4572% | 1,475 |
| Pretax return on assets | 1.7561% | 1,339 |
| Return on Equity (ROE) | 13.5964% | 1,540 |
| Retained earnings to average equity (ytd only) | 8.6678% | 1,829 |
| Net charge-offs to loans | 0.4601% | 183 |
| Credit loss provision to net charge-offs | 120.2843% | 1,257 |
| Earnings coverage of net charge-offs (x) | 6.6085% | 1,952 |
| Efficiency ratio | 50.8226% | 4,161 |
| Assets per employee ($millions) | 6.2790% | 2,357 |
| Cash dividends to net income (ytd only)* | 36.2494% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,289 |
| Loan loss allowance to noncurrent loans | 63.7449% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2614% | 521 |
| Noncurrent loans to loans | 1.7727% | 589 |
| Net loans and leases to total assets | 70.3536% | 1,153 |
| Net loans and leases to deposits | 82.0540% | 1,215 |
| Net loans and leases to core deposits | 88.3574% | 1,248 |
| Total domestic deposits to total assets | 85.7406% | 2,824 |
| Equity capital to assets | 10.8117% | 2,138 |
| Core capital (leverage) ratio | 10.0008% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0955% | 2,331 |
| Memoranda: | ||
| Average total assets | $2,271,786,667 | 471 |
| Average earning assets | $2,149,706,000 | 460 |
| Average equity | $243,475,333 | 456 |
| Average total loans | $1,590,239,333 | 453 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 2,055 |
| Cost of funding earning assets | 0.3572% | 2,468 |
| Net interest margin | 3.4595% | 1,937 |
| Noninterest income to average assets | 1.0658% | 1,026 |
| Noninterest expense to average assets | 2.2407% | 2,973 |
| Loan and lease loss provision to assets | 0.2125% | 555 |
| Net operating income to assets | 1.5573% | 1,202 |
| Return on assets (ROA) | 1.5810% | 1,217 |
| Pretax return on assets | 1.9210% | 1,078 |
| Return on Equity (ROE) | 14.8177% | 1,253 |
| Retained earnings to average equity (ytd only) | 11.4980% | 1,274 |
| Net charge-offs to loans | 0.2636% | 323 |
| Credit loss provision to net charge-offs | 116.1665% | 1,058 |
| Earnings coverage of net charge-offs (x) | 11.5044% | 1,449 |
| Efficiency ratio | 51.1616% | 4,081 |
| Assets per employee ($millions) | 6.2008% | 2,406 |
| Cash dividends to net income (ytd only)* | 22.4039% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,267 |
| Loan loss allowance to noncurrent loans | 64.8602% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.1935% | 626 |
| Noncurrent loans to loans | 1.7502% | 681 |
| Net loans and leases to total assets | 67.4158% | 1,605 |
| Net loans and leases to deposits | 82.0215% | 1,332 |
| Net loans and leases to core deposits | 85.2132% | 1,576 |
| Total domestic deposits to total assets | 82.1929% | 3,853 |
| Equity capital to assets | 10.5107% | 2,263 |
| Core capital (leverage) ratio | 10.1705% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6837% | 2,012 |
| Memoranda: | ||
| Average total assets | $2,258,630,000 | 467 |
| Average earning assets | $2,141,116,500 | 457 |
| Average equity | $240,981,500 | 458 |
| Average total loans | $1,567,721,500 | 463 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 1,862 |
| Cost of funding earning assets | 0.6054% | 2,267 |
| Net interest margin | 3.6974% | 1,808 |
| Noninterest income to average assets | 1.1722% | 793 |
| Noninterest expense to average assets | 2.4099% | 3,109 |
| Loan and lease loss provision to assets | 0.5080% | 474 |
| Net operating income to assets | 1.4469% | 925 |
| Return on assets (ROA) | 1.4737% | 945 |
| Pretax return on assets | 1.7754% | 725 |
| Return on Equity (ROE) | 13.7551% | 871 |
| Retained earnings to average equity (ytd only) | 10.1077% | 565 |
| Net charge-offs to loans | 0.6344% | 235 |
| Credit loss provision to net charge-offs | 109.0833% | 2,733 |
| Earnings coverage of net charge-offs (x) | 4.8336% | 2,930 |
| Efficiency ratio | 51.2104% | 4,453 |
| Assets per employee ($millions) | 6.1232% | 2,236 |
| Cash dividends to net income (ytd only)* | 26.5164% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 3,267 |
| Loan loss allowance to noncurrent loans | 61.2022% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.3287% | 599 |
| Noncurrent loans to loans | 1.8598% | 653 |
| Net loans and leases to total assets | 69.8862% | 1,577 |
| Net loans and leases to deposits | 87.5310% | 1,132 |
| Net loans and leases to core deposits | 90.7258% | 1,471 |
| Total domestic deposits to total assets | 79.8416% | 4,069 |
| Equity capital to assets | 10.8358% | 2,397 |
| Core capital (leverage) ratio | 10.1790% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1164% | 2,195 |
| Memoranda: | ||
| Average total assets | $2,047,194,400 | 465 |
| Average earning assets | $1,931,709,600 | 456 |
| Average equity | $219,337,400 | 471 |
| Average total loans | $1,502,732,000 | 449 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 1,969 |
| Cost of funding earning assets | 0.6663% | 2,221 |
| Net interest margin | 3.6849% | 1,996 |
| Noninterest income to average assets | 1.1309% | 823 |
| Noninterest expense to average assets | 2.4342% | 3,040 |
| Loan and lease loss provision to assets | 0.5710% | 463 |
| Net operating income to assets | 1.3437% | 1,251 |
| Return on assets (ROA) | 1.3801% | 1,244 |
| Pretax return on assets | 1.6435% | 1,082 |
| Return on Equity (ROE) | 12.9216% | 1,133 |
| Retained earnings to average equity (ytd only) | 7.9479% | 1,324 |
| Net charge-offs to loans | 0.6909% | 201 |
| Credit loss provision to net charge-offs | 111.4712% | 2,540 |
| Earnings coverage of net charge-offs (x) | 4.2381% | 2,840 |
| Efficiency ratio | 52.3300% | 4,308 |
| Assets per employee ($millions) | 5.8904% | 2,359 |
| Cash dividends to net income (ytd only)* | 38.4911% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,055 |
| Loan loss allowance to noncurrent loans | 47.1244% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8602% | 393 |
| Noncurrent loans to loans | 2.3913% | 458 |
| Net loans and leases to total assets | 74.7128% | 1,283 |
| Net loans and leases to deposits | 94.6767% | 870 |
| Net loans and leases to core deposits | 98.3549% | 1,284 |
| Total domestic deposits to total assets | 78.9135% | 4,067 |
| Equity capital to assets | 10.9185% | 2,459 |
| Core capital (leverage) ratio | 10.1652% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9987% | 2,201 |
| Memoranda: | ||
| Average total assets | $2,007,906,750 | 464 |
| Average earning assets | $1,893,256,500 | 455 |
| Average equity | $214,457,000 | 472 |
| Average total loans | $1,488,847,750 | 448 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 2,159 |
| Cost of funding earning assets | 0.7445% | 2,156 |
| Net interest margin | 3.6754% | 2,253 |
| Noninterest income to average assets | 1.0001% | 983 |
| Noninterest expense to average assets | 2.4430% | 3,132 |
| Loan and lease loss provision to assets | 0.4137% | 964 |
| Net operating income to assets | 1.3488% | 1,224 |
| Return on assets (ROA) | 1.4044% | 1,195 |
| Pretax return on assets | 1.6716% | 1,050 |
| Return on Equity (ROE) | 13.2529% | 1,042 |
| Retained earnings to average equity (ytd only) | 8.4922% | 1,163 |
| Net charge-offs to loans | 0.4024% | 392 |
| Credit loss provision to net charge-offs | 139.5982% | 2,176 |
| Earnings coverage of net charge-offs (x) | 6.8134% | 2,415 |
| Efficiency ratio | 54.1777% | 4,160 |
| Assets per employee ($millions) | 5.6390% | 2,504 |
| Cash dividends to net income (ytd only)* | 35.9221% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 2,644 |
| Loan loss allowance to noncurrent loans | 38.0737% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.3673% | 250 |
| Noncurrent loans to loans | 3.0819% | 303 |
| Net loans and leases to total assets | 73.5926% | 1,462 |
| Net loans and leases to deposits | 92.5088% | 1,093 |
| Net loans and leases to core deposits | 96.9443% | 1,504 |
| Total domestic deposits to total assets | 79.5520% | 3,928 |
| Equity capital to assets | 10.4665% | 2,774 |
| Core capital (leverage) ratio | 9.8061% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7217% | 2,302 |
| Memoranda: | ||
| Average total assets | $1,982,145,667 | 465 |
| Average earning assets | $1,867,060,333 | 454 |
| Average equity | $210,052,333 | 476 |
| Average total loans | $1,459,910,667 | 451 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 2,038 |
| Cost of funding earning assets | 0.8582% | 2,067 |
| Net interest margin | 3.7279% | 2,225 |
| Noninterest income to average assets | 0.8621% | 1,142 |
| Noninterest expense to average assets | 2.4361% | 3,457 |
| Loan and lease loss provision to assets | 0.2782% | 1,120 |
| Net operating income to assets | 1.3941% | 1,000 |
| Return on assets (ROA) | 1.3888% | 1,090 |
| Pretax return on assets | 1.6482% | 955 |
| Return on Equity (ROE) | 13.0197% | 879 |
| Retained earnings to average equity (ytd only) | 8.1904% | 1,173 |
| Net charge-offs to loans | -0.0135% | 4,186 |
| Credit loss provision to net charge-offs | -2,812.5000% | 3,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1148% | 4,292 |
| Assets per employee ($millions) | 5.6098% | 2,017 |
| Cash dividends to net income (ytd only)* | 37.0920% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,227 |
| Loan loss allowance to noncurrent loans | 51.5651% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8777% | 468 |
| Noncurrent loans to loans | 2.4878% | 488 |
| Net loans and leases to total assets | 71.1946% | 2,052 |
| Net loans and leases to deposits | 89.2199% | 1,609 |
| Net loans and leases to core deposits | 95.5903% | 1,836 |
| Total domestic deposits to total assets | 79.7968% | 3,894 |
| Equity capital to assets | 10.6323% | 3,204 |
| Core capital (leverage) ratio | 10.1771% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6477% | 2,423 |
| Memoranda: | ||
| Average total assets | $1,941,283,500 | 459 |
| Average earning assets | $1,826,105,000 | 452 |
| Average equity | $207,071,000 | 479 |
| Average total loans | $1,421,421,000 | 446 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 1,209 |
| Cost of funding earning assets | 1.0165% | 1,655 |
| Net interest margin | 4.0866% | 1,580 |
| Noninterest income to average assets | 0.8291% | 1,364 |
| Noninterest expense to average assets | 2.5062% | 3,435 |
| Loan and lease loss provision to assets | 0.2513% | 725 |
| Net operating income to assets | 1.6025% | 836 |
| Return on assets (ROA) | 1.6081% | 882 |
| Pretax return on assets | 1.9135% | 727 |
| Return on Equity (ROE) | 15.1009% | 675 |
| Retained earnings to average equity (ytd only) | 5.6606% | 2,053 |
| Net charge-offs to loans | 0.2659% | 780 |
| Credit loss provision to net charge-offs | 127.2702% | 2,001 |
| Earnings coverage of net charge-offs (x) | 10.9290% | 2,534 |
| Efficiency ratio | 52.9812% | 4,525 |
| Assets per employee ($millions) | 5.3443% | 2,201 |
| Cash dividends to net income (ytd only)* | 62.5148% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,499 |
| Loan loss allowance to noncurrent loans | 69.2342% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.3349% | 813 |
| Noncurrent loans to loans | 1.7176% | 799 |
| Net loans and leases to total assets | 73.4758% | 1,844 |
| Net loans and leases to deposits | 91.5013% | 1,428 |
| Net loans and leases to core deposits | 99.1391% | 1,637 |
| Total domestic deposits to total assets | 80.3003% | 3,915 |
| Equity capital to assets | 10.7023% | 3,255 |
| Core capital (leverage) ratio | 9.9642% | 3,559 |
| Tier 1 risk-based capital ratio | 12.2816% | 4,196 |
| Total risk-based capital ratio | 13.3707% | 4,177 |
| Memoranda: | ||
| Average total assets | $1,840,281,600 | 460 |
| Average earning assets | $1,727,088,600 | 450 |
| Average equity | $195,968,400 | 482 |
| Average total loans | $1,366,804,000 | 439 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1204% | 1,245 |
| Cost of funding earning assets | 1.0290% | 1,631 |
| Net interest margin | 4.0913% | 1,637 |
| Noninterest income to average assets | 0.8247% | 1,345 |
| Noninterest expense to average assets | 2.5409% | 3,321 |
| Loan and lease loss provision to assets | 0.2614% | 603 |
| Net operating income to assets | 1.5703% | 993 |
| Return on assets (ROA) | 1.5760% | 1,038 |
| Pretax return on assets | 1.8697% | 935 |
| Return on Equity (ROE) | 14.8193% | 818 |
| Retained earnings to average equity (ytd only) | 6.2246% | 2,270 |
| Net charge-offs to loans | 0.2611% | 669 |
| Credit loss provision to net charge-offs | 134.8548% | 1,772 |
| Earnings coverage of net charge-offs (x) | 10.9585% | 2,465 |
| Efficiency ratio | 53.6928% | 4,424 |
| Assets per employee ($millions) | 5.3339% | 2,182 |
| Cash dividends to net income (ytd only)* | 57.9966% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,432 |
| Loan loss allowance to noncurrent loans | 66.5110% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.3929% | 840 |
| Noncurrent loans to loans | 1.8275% | 774 |
| Net loans and leases to total assets | 71.9199% | 2,188 |
| Net loans and leases to deposits | 91.0335% | 1,561 |
| Net loans and leases to core deposits | 98.7670% | 1,764 |
| Total domestic deposits to total assets | 79.0038% | 4,186 |
| Equity capital to assets | 10.6226% | 3,442 |
| Core capital (leverage) ratio | 10.0869% | 3,545 |
| Tier 1 risk-based capital ratio | 12.4930% | 4,149 |
| Total risk-based capital ratio | 13.6094% | 4,103 |
| Memoranda: | ||
| Average total assets | $1,823,373,500 | 464 |
| Average earning assets | $1,711,601,500 | 455 |
| Average equity | $193,913,000 | 488 |
| Average total loans | $1,353,823,500 | 443 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 1,153 |
| Cost of funding earning assets | 1.0085% | 1,656 |
| Net interest margin | 4.1203% | 1,551 |
| Noninterest income to average assets | 0.7675% | 1,448 |
| Noninterest expense to average assets | 2.5771% | 3,257 |
| Loan and lease loss provision to assets | 0.2169% | 770 |
| Net operating income to assets | 1.5572% | 997 |
| Return on assets (ROA) | 1.5650% | 1,021 |
| Pretax return on assets | 1.8534% | 929 |
| Return on Equity (ROE) | 14.7098% | 823 |
| Retained earnings to average equity (ytd only) | 5.8239% | 2,357 |
| Net charge-offs to loans | 0.1811% | 908 |
| Credit loss provision to net charge-offs | 160.2301% | 1,426 |
| Earnings coverage of net charge-offs (x) | 15.2268% | 1,998 |
| Efficiency ratio | 54.7600% | 4,386 |
| Assets per employee ($millions) | 5.2324% | 2,224 |
| Cash dividends to net income (ytd only)* | 60.4079% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,567 |
| Loan loss allowance to noncurrent loans | 69.0167% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.3510% | 911 |
| Noncurrent loans to loans | 1.7277% | 880 |
| Net loans and leases to total assets | 74.5291% | 1,798 |
| Net loans and leases to deposits | 93.1883% | 1,354 |
| Net loans and leases to core deposits | 100.9565% | 1,637 |
| Total domestic deposits to total assets | 79.9769% | 4,047 |
| Equity capital to assets | 10.6402% | 3,396 |
| Core capital (leverage) ratio | 10.1871% | 3,395 |
| Tier 1 risk-based capital ratio | 12.2171% | 4,290 |
| Total risk-based capital ratio | 13.3178% | 4,266 |
| Memoranda: | ||
| Average total assets | $1,798,206,670 | 468 |
| Average earning assets | $1,689,239,000 | 456 |
| Average equity | $191,314,000 | 488 |
| Average total loans | $1,344,273,670 | 451 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 1,182 |
| Cost of funding earning assets | 0.9624% | 1,737 |
| Net interest margin | 4.1017% | 1,546 |
| Noninterest income to average assets | 0.7582% | 1,408 |
| Noninterest expense to average assets | 2.5471% | 3,381 |
| Loan and lease loss provision to assets | 0.2368% | 637 |
| Net operating income to assets | 1.5445% | 1,019 |
| Return on assets (ROA) | 1.5472% | 1,044 |
| Pretax return on assets | 1.8304% | 916 |
| Return on Equity (ROE) | 14.5432% | 846 |
| Retained earnings to average equity (ytd only) | 7.1243% | 1,992 |
| Net charge-offs to loans | 0.2003% | 702 |
| Credit loss provision to net charge-offs | 158.8502% | 1,196 |
| Earnings coverage of net charge-offs (x) | 13.8472% | 1,824 |
| Efficiency ratio | 54.3916% | 4,502 |
| Assets per employee ($millions) | 5.3064% | 2,168 |
| Cash dividends to net income (ytd only)* | 51.0130% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,422 |
| Loan loss allowance to noncurrent loans | 57.5202% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.5820% | 731 |
| Noncurrent loans to loans | 2.1403% | 676 |
| Net loans and leases to total assets | 72.3447% | 2,100 |
| Net loans and leases to deposits | 89.9580% | 1,639 |
| Net loans and leases to core deposits | 95.8439% | 1,939 |
| Total domestic deposits to total assets | 80.4205% | 4,090 |
| Equity capital to assets | 10.6333% | 3,220 |
| Core capital (leverage) ratio | 10.3953% | 3,171 |
| Tier 1 risk-based capital ratio | 12.6641% | 4,059 |
| Total risk-based capital ratio | 13.7962% | 4,017 |
| Memoranda: | ||
| Average total assets | $1,773,784,500 | 476 |
| Average earning assets | $1,666,254,500 | 465 |
| Average equity | $188,706,500 | 490 |
| Average total loans | $1,319,808,500 | 456 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9665% | 1,117 |
| Cost of funding earning assets | 0.7870% | 1,598 |
| Net interest margin | 4.1795% | 1,450 |
| Noninterest income to average assets | 0.9184% | 1,131 |
| Noninterest expense to average assets | 2.6317% | 3,238 |
| Loan and lease loss provision to assets | 0.2653% | 637 |
| Net operating income to assets | 1.6400% | 791 |
| Return on assets (ROA) | 1.6307% | 803 |
| Pretax return on assets | 1.9304% | 663 |
| Return on Equity (ROE) | 15.3503% | 754 |
| Retained earnings to average equity (ytd only) | 5.6260% | 2,398 |
| Net charge-offs to loans | 0.2805% | 692 |
| Credit loss provision to net charge-offs | 126.5111% | 2,080 |
| Earnings coverage of net charge-offs (x) | 10.5243% | 2,710 |
| Efficiency ratio | 53.4229% | 4,667 |
| Assets per employee ($millions) | 5.1276% | 2,352 |
| Cash dividends to net income (ytd only)* | 63.3495% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 2,544 |
| Loan loss allowance to noncurrent loans | 59.8297% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.5344% | 759 |
| Noncurrent loans to loans | 2.0136% | 673 |
| Net loans and leases to total assets | 74.6959% | 1,810 |
| Net loans and leases to deposits | 92.1603% | 1,526 |
| Net loans and leases to core deposits | 97.9333% | 1,869 |
| Total domestic deposits to total assets | 81.0499% | 3,878 |
| Equity capital to assets | 10.6442% | 3,034 |
| Core capital (leverage) ratio | 10.2953% | 3,251 |
| Tier 1 risk-based capital ratio | 12.4481% | 4,172 |
| Total risk-based capital ratio | 13.5558% | 4,116 |
| Memoranda: | ||
| Average total assets | $1,696,415,000 | 483 |
| Average earning assets | $1,591,071,400 | 471 |
| Average equity | $180,217,800 | 487 |
| Average total loans | $1,268,012,400 | 458 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 1,137 |
| Cost of funding earning assets | 0.7365% | 1,644 |
| Net interest margin | 4.1725% | 1,436 |
| Noninterest income to average assets | 0.9352% | 1,092 |
| Noninterest expense to average assets | 2.6539% | 3,114 |
| Loan and lease loss provision to assets | 0.2612% | 588 |
| Net operating income to assets | 1.6263% | 906 |
| Return on assets (ROA) | 1.6212% | 923 |
| Pretax return on assets | 1.9304% | 767 |
| Return on Equity (ROE) | 15.2687% | 829 |
| Retained earnings to average equity (ytd only) | 5.5604% | 2,919 |
| Net charge-offs to loans | 0.2483% | 684 |
| Credit loss provision to net charge-offs | 141.1463% | 1,793 |
| Earnings coverage of net charge-offs (x) | 11.8764% | 2,487 |
| Efficiency ratio | 53.7064% | 4,635 |
| Assets per employee ($millions) | 4.8368% | 2,673 |
| Cash dividends to net income (ytd only)* | 63.5831% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,404 |
| Loan loss allowance to noncurrent loans | 53.9519% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7510% | 684 |
| Noncurrent loans to loans | 2.2997% | 598 |
| Net loans and leases to total assets | 74.3246% | 1,931 |
| Net loans and leases to deposits | 92.2236% | 1,591 |
| Net loans and leases to core deposits | 100.1920% | 1,775 |
| Total domestic deposits to total assets | 80.5917% | 3,979 |
| Equity capital to assets | 10.5914% | 3,052 |
| Core capital (leverage) ratio | 10.5167% | 3,061 |
| Tier 1 risk-based capital ratio | 12.5952% | 4,159 |
| Total risk-based capital ratio | 13.7356% | 4,092 |
| Memoranda: | ||
| Average total assets | $1,684,669,250 | 486 |
| Average earning assets | $1,581,220,000 | 470 |
| Average equity | $178,879,750 | 486 |
| Average total loans | $1,255,484,000 | 460 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 1,064 |
| Cost of funding earning assets | 0.6876% | 1,697 |
| Net interest margin | 4.1921% | 1,309 |
| Noninterest income to average assets | 0.8685% | 1,274 |
| Noninterest expense to average assets | 2.6569% | 3,144 |
| Loan and lease loss provision to assets | 0.2740% | 543 |
| Net operating income to assets | 1.5813% | 958 |
| Return on assets (ROA) | 1.5748% | 980 |
| Pretax return on assets | 1.8673% | 847 |
| Return on Equity (ROE) | 14.8185% | 886 |
| Retained earnings to average equity (ytd only) | 6.9429% | 2,102 |
| Net charge-offs to loans | 0.2505% | 637 |
| Credit loss provision to net charge-offs | 147.2471% | 1,593 |
| Earnings coverage of net charge-offs (x) | 11.5480% | 2,260 |
| Efficiency ratio | 54.2428% | 4,665 |
| Assets per employee ($millions) | 4.7089% | 2,807 |
| Cash dividends to net income (ytd only)* | 53.1472% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,516 |
| Loan loss allowance to noncurrent loans | 80.1084% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.1696% | 1,239 |
| Noncurrent loans to loans | 1.5427% | 1,074 |
| Net loans and leases to total assets | 74.7209% | 1,829 |
| Net loans and leases to deposits | 92.4841% | 1,522 |
| Net loans and leases to core deposits | 98.8828% | 1,825 |
| Total domestic deposits to total assets | 80.7932% | 4,059 |
| Equity capital to assets | 10.7582% | 2,880 |
| Core capital (leverage) ratio | 10.4178% | 3,119 |
| Tier 1 risk-based capital ratio | 12.6862% | 4,069 |
| Total risk-based capital ratio | 13.8278% | 4,034 |
| Memoranda: | ||
| Average total assets | $1,678,707,670 | 485 |
| Average earning assets | $1,576,719,000 | 473 |
| Average equity | $178,398,330 | 487 |
| Average total loans | $1,246,874,000 | 458 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 1,476 |
| Cost of funding earning assets | 0.6317% | 1,829 |
| Net interest margin | 4.0034% | 1,718 |
| Noninterest income to average assets | 0.6898% | 1,879 |
| Noninterest expense to average assets | 2.3816% | 3,999 |
| Loan and lease loss provision to assets | 0.2143% | 746 |
| Net operating income to assets | 1.5590% | 934 |
| Return on assets (ROA) | 1.5568% | 951 |
| Pretax return on assets | 1.8475% | 829 |
| Return on Equity (ROE) | 14.7398% | 849 |
| Retained earnings to average equity (ytd only) | 6.7927% | 2,369 |
| Net charge-offs to loans | -0.0068% | 4,113 |
| Credit loss provision to net charge-offs | -4,285.7143% | 4,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4154% | 4,932 |
| Assets per employee ($millions) | 4.7564% | 2,786 |
| Cash dividends to net income (ytd only)* | 53.9156% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,334 |
| Loan loss allowance to noncurrent loans | 68.3816% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.3966% | 1,040 |
| Noncurrent loans to loans | 1.8726% | 879 |
| Net loans and leases to total assets | 72.4007% | 2,107 |
| Net loans and leases to deposits | 89.7969% | 1,714 |
| Net loans and leases to core deposits | 96.6585% | 1,928 |
| Total domestic deposits to total assets | 80.6272% | 4,291 |
| Equity capital to assets | 10.5132% | 3,063 |
| Core capital (leverage) ratio | 10.3305% | 3,149 |
| Tier 1 risk-based capital ratio | 12.8631% | 4,029 |
| Total risk-based capital ratio | 14.0574% | 3,946 |
| Memoranda: | ||
| Average total assets | $1,679,880,000 | 490 |
| Average earning assets | $1,576,153,500 | 475 |
| Average equity | $177,424,500 | 493 |
| Average total loans | $1,236,177,500 | 468 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 1,828 |
| Cost of funding earning assets | 0.5336% | 2,080 |
| Net interest margin | 3.9315% | 1,983 |
| Noninterest income to average assets | 0.7433% | 1,796 |
| Noninterest expense to average assets | 2.5121% | 3,744 |
| Loan and lease loss provision to assets | 0.2261% | 867 |
| Net operating income to assets | 1.3417% | 1,136 |
| Return on assets (ROA) | 1.3301% | 1,180 |
| Pretax return on assets | 1.6676% | 1,102 |
| Return on Equity (ROE) | 12.7315% | 1,017 |
| Retained earnings to average equity (ytd only) | 8.3156% | 665 |
| Net charge-offs to loans | 0.1919% | 1,327 |
| Credit loss provision to net charge-offs | 158.8846% | 1,683 |
| Earnings coverage of net charge-offs (x) | 13.4125% | 2,398 |
| Efficiency ratio | 55.5014% | 4,814 |
| Assets per employee ($millions) | 4.5662% | 3,083 |
| Cash dividends to net income (ytd only)* | 34.6853% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,712 |
| Loan loss allowance to noncurrent loans | 49.2824% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.8379% | 661 |
| Noncurrent loans to loans | 2.4562% | 550 |
| Net loans and leases to total assets | 72.9435% | 2,100 |
| Net loans and leases to deposits | 91.2471% | 1,623 |
| Net loans and leases to core deposits | 98.4474% | 1,831 |
| Total domestic deposits to total assets | 79.9406% | 4,343 |
| Equity capital to assets | 10.6108% | 3,038 |
| Core capital (leverage) ratio | 10.1454% | 3,249 |
| Tier 1 risk-based capital ratio | 12.6413% | 4,123 |
| Total risk-based capital ratio | 13.7613% | 4,100 |
| Memoranda: | ||
| Average total assets | $1,625,720,800 | 484 |
| Average earning assets | $1,520,520,400 | 471 |
| Average equity | $169,838,000 | 494 |
| Average total loans | $1,205,588,000 | 455 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 1,920 |
| Cost of funding earning assets | 0.5058% | 2,220 |
| Net interest margin | 3.9102% | 2,007 |
| Noninterest income to average assets | 0.8344% | 1,460 |
| Noninterest expense to average assets | 2.5102% | 3,698 |
| Loan and lease loss provision to assets | 0.2292% | 794 |
| Net operating income to assets | 1.2785% | 1,408 |
| Return on assets (ROA) | 1.2804% | 1,430 |
| Pretax return on assets | 1.7571% | 984 |
| Return on Equity (ROE) | 12.3062% | 1,241 |
| Retained earnings to average equity (ytd only) | 7.3450% | 1,519 |
| Net charge-offs to loans | 0.1205% | 1,584 |
| Credit loss provision to net charge-offs | 256.2327% | 1,111 |
| Earnings coverage of net charge-offs (x) | 22.1773% | 1,878 |
| Efficiency ratio | 54.5202% | 4,898 |
| Assets per employee ($millions) | 4.5628% | 3,029 |
| Cash dividends to net income (ytd only)* | 40.3148% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,679 |
| Loan loss allowance to noncurrent loans | 45.2946% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.0605% | 614 |
| Noncurrent loans to loans | 2.7439% | 512 |
| Net loans and leases to total assets | 73.8552% | 1,939 |
| Net loans and leases to deposits | 91.8861% | 1,584 |
| Net loans and leases to core deposits | 100.9569% | 1,625 |
| Total domestic deposits to total assets | 80.3769% | 4,234 |
| Equity capital to assets | 10.5548% | 3,306 |
| Core capital (leverage) ratio | 10.1568% | 3,370 |
| Tier 1 risk-based capital ratio | 12.4869% | 4,323 |
| Total risk-based capital ratio | 13.6480% | 4,289 |
| Memoranda: | ||
| Average total assets | $1,614,341,250 | 489 |
| Average earning assets | $1,510,812,500 | 477 |
| Average equity | $167,964,750 | 503 |
| Average total loans | $1,198,485,750 | 460 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 1,949 |
| Cost of funding earning assets | 0.4698% | 2,412 |
| Net interest margin | 3.8881% | 1,975 |
| Noninterest income to average assets | 0.8966% | 1,280 |
| Noninterest expense to average assets | 2.4923% | 3,775 |
| Loan and lease loss provision to assets | 0.2337% | 736 |
| Net operating income to assets | 1.3093% | 1,273 |
| Return on assets (ROA) | 1.3122% | 1,295 |
| Pretax return on assets | 1.8118% | 818 |
| Return on Equity (ROE) | 12.6744% | 1,120 |
| Retained earnings to average equity (ytd only) | 7.2580% | 1,470 |
| Net charge-offs to loans | 0.0845% | 1,765 |
| Credit loss provision to net charge-offs | 373.5060% | 835 |
| Earnings coverage of net charge-offs (x) | 32.6335% | 1,409 |
| Efficiency ratio | 53.6199% | 5,046 |
| Assets per employee ($millions) | 4.2899% | 3,451 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,840 |
| Loan loss allowance to noncurrent loans | 64.4088% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4629% | 1,055 |
| Noncurrent loans to loans | 1.9077% | 909 |
| Net loans and leases to total assets | 75.2944% | 1,646 |
| Net loans and leases to deposits | 94.6881% | 1,205 |
| Net loans and leases to core deposits | 100.7548% | 1,598 |
| Total domestic deposits to total assets | 79.5184% | 4,508 |
| Equity capital to assets | 10.6759% | 3,150 |
| Core capital (leverage) ratio | 10.1046% | 3,399 |
| Tier 1 risk-based capital ratio | 12.4648% | 4,325 |
| Total risk-based capital ratio | 13.6237% | 4,261 |
| Memoranda: | ||
| Average total assets | $1,604,923,000 | 495 |
| Average earning assets | $1,501,348,670 | 481 |
| Average equity | $166,162,330 | 508 |
| Average total loans | $1,188,511,330 | 466 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 2,273 |
| Cost of funding earning assets | 0.4494% | 2,530 |
| Net interest margin | 3.7531% | 2,290 |
| Noninterest income to average assets | 0.9755% | 1,048 |
| Noninterest expense to average assets | 2.4840% | 3,859 |
| Loan and lease loss provision to assets | 0.1678% | 1,064 |
| Net operating income to assets | 1.3213% | 1,189 |
| Return on assets (ROA) | 1.3262% | 1,208 |
| Pretax return on assets | 1.8379% | 735 |
| Return on Equity (ROE) | 13.0100% | 997 |
| Retained earnings to average equity (ytd only) | 8.1337% | 1,401 |
| Net charge-offs to loans | 0.1124% | 1,271 |
| Credit loss provision to net charge-offs | 204.5455% | 1,003 |
| Earnings coverage of net charge-offs (x) | 24.3727% | 1,361 |
| Efficiency ratio | 54.0137% | 5,123 |
| Assets per employee ($millions) | 4.4122% | 3,307 |
| Cash dividends to net income (ytd only)* | 37.4813% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,270 |
| Loan loss allowance to noncurrent loans | 57.2751% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.5299% | 1,035 |
| Noncurrent loans to loans | 2.0570% | 856 |
| Net loans and leases to total assets | 72.6932% | 1,970 |
| Net loans and leases to deposits | 89.3699% | 1,620 |
| Net loans and leases to core deposits | 95.3328% | 1,865 |
| Total domestic deposits to total assets | 81.3397% | 4,335 |
| Equity capital to assets | 10.3330% | 3,374 |
| Core capital (leverage) ratio | 9.9810% | 3,520 |
| Tier 1 risk-based capital ratio | 12.6326% | 4,310 |
| Total risk-based capital ratio | 13.7413% | 4,297 |
| Memoranda: | ||
| Average total assets | $1,609,471,000 | 494 |
| Average earning assets | $1,504,136,500 | 483 |
| Average equity | $164,059,000 | 509 |
| Average total loans | $1,174,508,500 | 471 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 2,410 |
| Cost of funding earning assets | 0.4146% | 2,864 |
| Net interest margin | 3.8087% | 2,291 |
| Noninterest income to average assets | 0.8650% | 1,522 |
| Noninterest expense to average assets | 2.6986% | 3,341 |
| Loan and lease loss provision to assets | 0.2264% | 960 |
| Net operating income to assets | 1.1044% | 1,888 |
| Return on assets (ROA) | 1.1136% | 1,938 |
| Pretax return on assets | 1.5129% | 1,547 |
| Return on Equity (ROE) | 10.8728% | 1,629 |
| Retained earnings to average equity (ytd only) | 1.6987% | 4,564 |
| Net charge-offs to loans | 0.2811% | 978 |
| Credit loss provision to net charge-offs | 108.9683% | 2,409 |
| Earnings coverage of net charge-offs (x) | 8.3123% | 2,884 |
| Efficiency ratio | 59.3064% | 4,688 |
| Assets per employee ($millions) | 4.4433% | 3,200 |
| Cash dividends to net income (ytd only)* | 84.3765% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 3,352 |
| Loan loss allowance to noncurrent loans | 50.9419% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.6658% | 937 |
| Noncurrent loans to loans | 2.2823% | 731 |
| Net loans and leases to total assets | 71.5506% | 2,232 |
| Net loans and leases to deposits | 87.2245% | 2,021 |
| Net loans and leases to core deposits | 93.1768% | 2,191 |
| Total domestic deposits to total assets | 82.0304% | 4,069 |
| Equity capital to assets | 10.0543% | 3,669 |
| Core capital (leverage) ratio | 9.7129% | 3,838 |
| Tier 1 risk-based capital ratio | 12.2650% | 4,527 |
| Total risk-based capital ratio | 13.3386% | 4,546 |
| Memoranda: | ||
| Average total assets | $1,535,180,800 | 499 |
| Average earning assets | $1,435,058,200 | 484 |
| Average equity | $157,235,800 | 507 |
| Average total loans | $1,134,383,200 | 458 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 2,368 |
| Cost of funding earning assets | 0.4049% | 2,972 |
| Net interest margin | 3.8377% | 2,200 |
| Noninterest income to average assets | 0.8752% | 1,487 |
| Noninterest expense to average assets | 2.7769% | 3,089 |
| Loan and lease loss provision to assets | 0.2397% | 803 |
| Net operating income to assets | 1.0649% | 2,145 |
| Return on assets (ROA) | 1.0764% | 2,200 |
| Pretax return on assets | 1.4666% | 1,823 |
| Return on Equity (ROE) | 10.4585% | 1,886 |
| Retained earnings to average equity (ytd only) | 0.5658% | 5,214 |
| Net charge-offs to loans | 0.3200% | 723 |
| Credit loss provision to net charge-offs | 100.8139% | 2,333 |
| Earnings coverage of net charge-offs (x) | 7.1102% | 2,918 |
| Efficiency ratio | 60.4513% | 4,470 |
| Assets per employee ($millions) | 4.2508% | 3,505 |
| Cash dividends to net income (ytd only)* | 94.5902% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,520 |
| Loan loss allowance to noncurrent loans | 46.6218% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.8854% | 855 |
| Noncurrent loans to loans | 2.4754% | 713 |
| Net loans and leases to total assets | 73.6822% | 1,924 |
| Net loans and leases to deposits | 89.8964% | 1,769 |
| Net loans and leases to core deposits | 96.1640% | 1,975 |
| Total domestic deposits to total assets | 81.9635% | 3,944 |
| Equity capital to assets | 10.5337% | 3,528 |
| Core capital (leverage) ratio | 9.9201% | 3,670 |
| Tier 1 risk-based capital ratio | 12.3682% | 4,562 |
| Total risk-based capital ratio | 13.4449% | 4,570 |
| Memoranda: | ||
| Average total assets | $1,515,751,000 | 505 |
| Average earning assets | $1,418,798,500 | 488 |
| Average equity | $156,003,250 | 509 |
| Average total loans | $1,126,075,250 | 460 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2109% | 2,482 |
| Cost of funding earning assets | 0.3851% | 3,207 |
| Net interest margin | 3.8258% | 2,223 |
| Noninterest income to average assets | 0.8736% | 1,459 |
| Noninterest expense to average assets | 2.8021% | 3,020 |
| Loan and lease loss provision to assets | 0.2525% | 764 |
| Net operating income to assets | 1.0412% | 2,219 |
| Return on assets (ROA) | 1.0518% | 2,289 |
| Pretax return on assets | 1.4175% | 1,961 |
| Return on Equity (ROE) | 10.3022% | 1,921 |
| Retained earnings to average equity (ytd only) | -4.7620% | 5,742 |
| Net charge-offs to loans | 0.4256% | 530 |
| Credit loss provision to net charge-offs | 79.9327% | 2,367 |
| Earnings coverage of net charge-offs (x) | 5.2419% | 2,879 |
| Efficiency ratio | 61.1434% | 4,487 |
| Assets per employee ($millions) | 4.2194% | 3,524 |
| Cash dividends to net income (ytd only)* | 146.2228% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,885 |
| Loan loss allowance to noncurrent loans | 33.2684% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 2.5028% | 550 |
| Noncurrent loans to loans | 3.3410% | 406 |
| Net loans and leases to total assets | 73.2051% | 1,979 |
| Net loans and leases to deposits | 88.4065% | 1,932 |
| Net loans and leases to core deposits | 94.5128% | 2,109 |
| Total domestic deposits to total assets | 82.8051% | 3,722 |
| Equity capital to assets | 10.1784% | 3,999 |
| Core capital (leverage) ratio | 9.6203% | 4,037 |
| Tier 1 risk-based capital ratio | 12.0173% | 4,815 |
| Total risk-based capital ratio | 13.0548% | 4,848 |
| Memoranda: | ||
| Average total assets | $1,505,237,330 | 508 |
| Average earning assets | $1,410,107,670 | 490 |
| Average equity | $153,675,330 | 515 |
| Average total loans | $1,116,970,330 | 462 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 2,537 |
| Cost of funding earning assets | 0.3658% | 3,444 |
| Net interest margin | 3.8173% | 2,229 |
| Noninterest income to average assets | 0.7563% | 1,798 |
| Noninterest expense to average assets | 2.5711% | 3,844 |
| Loan and lease loss provision to assets | 0.2907% | 554 |
| Net operating income to assets | 1.0662% | 2,026 |
| Return on assets (ROA) | 1.0845% | 2,067 |
| Pretax return on assets | 1.4922% | 1,622 |
| Return on Equity (ROE) | 10.6057% | 1,743 |
| Retained earnings to average equity (ytd only) | -14.0511% | 5,894 |
| Net charge-offs to loans | 0.4625% | 483 |
| Credit loss provision to net charge-offs | 84.5791% | 1,807 |
| Earnings coverage of net charge-offs (x) | 5.1149% | 2,359 |
| Efficiency ratio | 57.6452% | 5,036 |
| Assets per employee ($millions) | 4.2845% | 3,432 |
| Cash dividends to net income (ytd only)* | 232.4857% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 3,586 |
| Loan loss allowance to noncurrent loans | 37.5814% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 2.3696% | 653 |
| Noncurrent loans to loans | 3.1469% | 494 |
| Net loans and leases to total assets | 73.7976% | 1,755 |
| Net loans and leases to deposits | 89.4951% | 1,640 |
| Net loans and leases to core deposits | 94.6967% | 1,915 |
| Total domestic deposits to total assets | 82.4599% | 4,080 |
| Equity capital to assets | 10.0458% | 4,023 |
| Core capital (leverage) ratio | 9.5239% | 4,148 |
| Tier 1 risk-based capital ratio | 11.8326% | 5,027 |
| Total risk-based capital ratio | 12.9446% | 5,022 |
| Memoranda: | ||
| Average total assets | $1,479,377,000 | 516 |
| Average earning assets | $1,384,538,000 | 499 |
| Average equity | $151,276,500 | 520 |
| Average total loans | $1,099,163,500 | 466 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 2,306 |
| Cost of funding earning assets | 0.3491% | 3,708 |
| Net interest margin | 3.9230% | 1,955 |
| Noninterest income to average assets | 0.9021% | 1,440 |
| Noninterest expense to average assets | 2.7666% | 3,361 |
| Loan and lease loss provision to assets | 0.1172% | 2,033 |
| Net operating income to assets | 1.1913% | 1,584 |
| Return on assets (ROA) | 1.1921% | 1,656 |
| Pretax return on assets | 1.6870% | 1,034 |
| Return on Equity (ROE) | 11.4686% | 1,448 |
| Retained earnings to average equity (ytd only) | 6.7715% | 1,392 |
| Net charge-offs to loans | 0.0662% | 2,911 |
| Credit loss provision to net charge-offs | 239.8256% | 1,189 |
| Earnings coverage of net charge-offs (x) | 36.8997% | 1,251 |
| Efficiency ratio | 58.7896% | 5,050 |
| Assets per employee ($millions) | 4.2545% | 3,480 |
| Cash dividends to net income (ytd only)* | 40.9567% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 3,369 |
| Loan loss allowance to noncurrent loans | 49.1730% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 1.8564% | 1,003 |
| Noncurrent loans to loans | 2.4766% | 748 |
| Net loans and leases to total assets | 73.0156% | 1,892 |
| Net loans and leases to deposits | 87.7918% | 1,901 |
| Net loans and leases to core deposits | 92.2519% | 2,195 |
| Total domestic deposits to total assets | 83.1691% | 3,788 |
| Equity capital to assets | 10.4063% | 3,476 |
| Core capital (leverage) ratio | 9.7792% | 3,804 |
| Tier 1 risk-based capital ratio | 12.4969% | 4,634 |
| Total risk-based capital ratio | 13.6402% | 4,598 |
| Memoranda: | ||
| Average total assets | $1,408,075,200 | 507 |
| Average earning assets | $1,316,375,400 | 496 |
| Average equity | $146,364,400 | 520 |
| Average total loans | $1,039,751,600 | 462 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 2,308 |
| Cost of funding earning assets | 0.3479% | 3,778 |
| Net interest margin | 3.9300% | 1,933 |
| Noninterest income to average assets | 0.8929% | 1,473 |
| Noninterest expense to average assets | 2.7549% | 3,360 |
| Loan and lease loss provision to assets | 0.1150% | 1,964 |
| Net operating income to assets | 1.2059% | 1,633 |
| Return on assets (ROA) | 1.2067% | 1,696 |
| Pretax return on assets | 1.6996% | 1,106 |
| Return on Equity (ROE) | 11.6120% | 1,494 |
| Retained earnings to average equity (ytd only) | 7.0000% | 1,686 |
| Net charge-offs to loans | -0.0051% | 4,834 |
| Credit loss provision to net charge-offs | -3,076.9231% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5486% | 5,058 |
| Assets per employee ($millions) | 4.1878% | 3,539 |
| Cash dividends to net income (ytd only)* | 39.7172% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 3,497 |
| Loan loss allowance to noncurrent loans | 95.2602% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.0480% | 2,260 |
| Noncurrent loans to loans | 1.2898% | 1,983 |
| Net loans and leases to total assets | 73.9844% | 1,732 |
| Net loans and leases to deposits | 89.8444% | 1,671 |
| Net loans and leases to core deposits | 95.7748% | 1,910 |
| Total domestic deposits to total assets | 82.3473% | 4,052 |
| Equity capital to assets | 10.3010% | 3,818 |
| Core capital (leverage) ratio | 9.8220% | 3,876 |
| Tier 1 risk-based capital ratio | 12.2916% | 4,897 |
| Total risk-based capital ratio | 13.4665% | 4,853 |
| Memoranda: | ||
| Average total assets | $1,391,016,250 | 512 |
| Average earning assets | $1,301,002,500 | 502 |
| Average equity | $144,548,000 | 526 |
| Average total loans | $1,026,882,750 | 470 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 2,432 |
| Cost of funding earning assets | 0.3494% | 3,813 |
| Net interest margin | 3.8799% | 2,049 |
| Noninterest income to average assets | 0.8765% | 1,523 |
| Noninterest expense to average assets | 2.7564% | 3,391 |
| Loan and lease loss provision to assets | 0.1100% | 1,998 |
| Net operating income to assets | 1.1707% | 1,700 |
| Return on assets (ROA) | 1.1711% | 1,769 |
| Pretax return on assets | 1.6370% | 1,232 |
| Return on Equity (ROE) | 11.2346% | 1,604 |
| Retained earnings to average equity (ytd only) | 9.1236% | 884 |
| Net charge-offs to loans | 0.0212% | 3,250 |
| Credit loss provision to net charge-offs | 707.5472% | 479 |
| Earnings coverage of net charge-offs (x) | 112.3113% | 559 |
| Efficiency ratio | 59.7511% | 5,016 |
| Assets per employee ($millions) | 3.9544% | 3,971 |
| Cash dividends to net income (ytd only)* | 18.7899% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 3,692 |
| Loan loss allowance to noncurrent loans | 68.9360% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3970% | 1,793 |
| Noncurrent loans to loans | 1.7646% | 1,449 |
| Net loans and leases to total assets | 72.9789% | 1,827 |
| Net loans and leases to deposits | 87.8663% | 1,853 |
| Net loans and leases to core deposits | 91.4565% | 2,201 |
| Total domestic deposits to total assets | 83.0568% | 3,933 |
| Equity capital to assets | 10.4189% | 3,537 |
| Core capital (leverage) ratio | 9.9536% | 3,677 |
| Tier 1 risk-based capital ratio | 12.6552% | 4,710 |
| Total risk-based capital ratio | 13.8133% | 4,684 |
| Memoranda: | ||
| Average total assets | $1,363,323,000 | 520 |
| Average earning assets | $1,274,198,000 | 508 |
| Average equity | $142,115,000 | 533 |
| Average total loans | $1,001,121,330 | 479 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 2,842 |
| Cost of funding earning assets | 0.3576% | 3,778 |
| Net interest margin | 3.7397% | 2,470 |
| Noninterest income to average assets | 0.8225% | 1,622 |
| Noninterest expense to average assets | 2.7253% | 3,503 |
| Loan and lease loss provision to assets | 0.1360% | 1,523 |
| Net operating income to assets | 1.0543% | 2,016 |
| Return on assets (ROA) | 1.0543% | 2,152 |
| Pretax return on assets | 1.4512% | 1,723 |
| Return on Equity (ROE) | 10.1115% | 1,956 |
| Retained earnings to average equity (ytd only) | 5.7631% | 2,624 |
| Net charge-offs to loans | 0.0562% | 2,205 |
| Credit loss provision to net charge-offs | 330.8824% | 760 |
| Earnings coverage of net charge-offs (x) | 38.6103% | 999 |
| Efficiency ratio | 61.5336% | 4,873 |
| Assets per employee ($millions) | 4.0004% | 3,954 |
| Cash dividends to net income (ytd only)* | 43.0046% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 3,323 |
| Loan loss allowance to noncurrent loans | 93.0443% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 2,296 |
| Noncurrent loans to loans | 1.4126% | 2,032 |
| Net loans and leases to total assets | 72.3363% | 1,754 |
| Net loans and leases to deposits | 87.8184% | 1,630 |
| Net loans and leases to core deposits | 92.7761% | 1,877 |
| Total domestic deposits to total assets | 82.3703% | 4,391 |
| Equity capital to assets | 10.6162% | 3,406 |
| Core capital (leverage) ratio | 9.8469% | 3,827 |
| Tier 1 risk-based capital ratio | 12.8283% | 4,710 |
| Total risk-based capital ratio | 14.0787% | 4,629 |
| Memoranda: | ||
| Average total assets | $1,323,312,500 | 534 |
| Average earning assets | $1,234,967,500 | 525 |
| Average equity | $137,982,000 | 550 |
| Average total loans | $968,528,000 | 487 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 2,310 |
| Cost of funding earning assets | 0.3801% | 3,908 |
| Net interest margin | 3.9928% | 1,922 |
| Noninterest income to average assets | 0.7861% | 1,928 |
| Noninterest expense to average assets | 2.5503% | 4,398 |
| Loan and lease loss provision to assets | 0.1193% | 2,188 |
| Net operating income to assets | 1.2771% | 1,356 |
| Return on assets (ROA) | 1.2764% | 1,409 |
| Pretax return on assets | 1.8336% | 737 |
| Return on Equity (ROE) | 12.3449% | 1,309 |
| Retained earnings to average equity (ytd only) | 7.6513% | 1,140 |
| Net charge-offs to loans | 0.1539% | 2,498 |
| Credit loss provision to net charge-offs | 102.9513% | 2,322 |
| Earnings coverage of net charge-offs (x) | 16.8579% | 1,979 |
| Efficiency ratio | 55.4786% | 5,719 |
| Assets per employee ($millions) | 4.0195% | 3,910 |
| Cash dividends to net income (ytd only)* | 38.0204% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 3,632 |
| Loan loss allowance to noncurrent loans | 84.3564% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.2175% | 2,340 |
| Noncurrent loans to loans | 1.4984% | 1,955 |
| Net loans and leases to total assets | 72.1578% | 1,885 |
| Net loans and leases to deposits | 87.2683% | 1,818 |
| Net loans and leases to core deposits | 94.3291% | 1,887 |
| Total domestic deposits to total assets | 82.6850% | 4,189 |
| Equity capital to assets | 10.2410% | 3,802 |
| Core capital (leverage) ratio | 9.5029% | 4,232 |
| Tier 1 risk-based capital ratio | 11.9894% | 5,372 |
| Total risk-based capital ratio | 13.1791% | 5,315 |
| Memoranda: | ||
| Average total assets | $1,257,004,400 | 535 |
| Average earning assets | $1,170,579,800 | 531 |
| Average equity | $129,965,000 | 558 |
| Average total loans | $946,471,200 | 478 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 2,350 |
| Cost of funding earning assets | 0.3815% | 4,002 |
| Net interest margin | 3.9879% | 1,917 |
| Noninterest income to average assets | 0.7749% | 1,990 |
| Noninterest expense to average assets | 2.5102% | 4,496 |
| Loan and lease loss provision to assets | 0.1293% | 1,941 |
| Net operating income to assets | 1.3096% | 1,344 |
| Return on assets (ROA) | 1.3076% | 1,406 |
| Pretax return on assets | 1.8470% | 806 |
| Return on Equity (ROE) | 12.6149% | 1,317 |
| Retained earnings to average equity (ytd only) | 8.6136% | 1,120 |
| Net charge-offs to loans | 0.0213% | 4,094 |
| Credit loss provision to net charge-offs | 800.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 122.4703% | 486 |
| Efficiency ratio | 54.7010% | 5,757 |
| Assets per employee ($millions) | 4.3363% | 3,236 |
| Cash dividends to net income (ytd only)* | 31.7186% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 3,226 |
| Loan loss allowance to noncurrent loans | 82.0251% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.3894% | 2,223 |
| Noncurrent loans to loans | 1.6953% | 1,918 |
| Net loans and leases to total assets | 75.4536% | 1,298 |
| Net loans and leases to deposits | 95.0436% | 956 |
| Net loans and leases to core deposits | 108.7812% | 811 |
| Total domestic deposits to total assets | 79.3884% | 5,244 |
| Equity capital to assets | 10.7553% | 3,232 |
| Core capital (leverage) ratio | 10.0755% | 3,565 |
| Tier 1 risk-based capital ratio | 12.2127% | 5,355 |
| Total risk-based capital ratio | 13.4618% | 5,274 |
| Memoranda: | ||
| Average total assets | $1,237,633,500 | 545 |
| Average earning assets | $1,152,760,750 | 534 |
| Average equity | $128,290,000 | 561 |
| Average total loans | $939,273,000 | 474 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 2,290 |
| Cost of funding earning assets | 0.3820% | 4,080 |
| Net interest margin | 3.9886% | 1,842 |
| Noninterest income to average assets | 0.7981% | 1,847 |
| Noninterest expense to average assets | 2.4855% | 4,628 |
| Loan and lease loss provision to assets | 0.1217% | 2,017 |
| Net operating income to assets | 1.3408% | 1,200 |
| Return on assets (ROA) | 1.3409% | 1,246 |
| Pretax return on assets | 1.9022% | 682 |
| Return on Equity (ROE) | 13.1028% | 1,149 |
| Retained earnings to average equity (ytd only) | 8.7421% | 1,064 |
| Net charge-offs to loans | 0.0682% | 3,026 |
| Credit loss provision to net charge-offs | 235.8491% | 1,031 |
| Earnings coverage of net charge-offs (x) | 39.2170% | 1,075 |
| Efficiency ratio | 53.8705% | 5,921 |
| Assets per employee ($millions) | 4.3188% | 3,234 |
| Cash dividends to net income (ytd only)* | 33.2809% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 3,667 |
| Loan loss allowance to noncurrent loans | 138.3185% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 3,480 |
| Noncurrent loans to loans | 0.9650% | 3,312 |
| Net loans and leases to total assets | 75.8429% | 1,189 |
| Net loans and leases to deposits | 95.9376% | 806 |
| Net loans and leases to core deposits | 106.1297% | 892 |
| Total domestic deposits to total assets | 79.0544% | 5,443 |
| Equity capital to assets | 10.4435% | 3,508 |
| Core capital (leverage) ratio | 9.7391% | 3,982 |
| Tier 1 risk-based capital ratio | 11.5947% | 5,749 |
| Total risk-based capital ratio | 12.8392% | 5,706 |
| Memoranda: | ||
| Average total assets | $1,232,448,000 | 547 |
| Average earning assets | $1,146,710,000 | 537 |
| Average equity | $126,125,330 | 568 |
| Average total loans | $932,727,000 | 474 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3319% | 2,401 |
| Cost of funding earning assets | 0.3875% | 4,117 |
| Net interest margin | 3.9444% | 1,945 |
| Noninterest income to average assets | 0.7105% | 2,123 |
| Noninterest expense to average assets | 2.4682% | 4,723 |
| Loan and lease loss provision to assets | 0.1465% | 1,658 |
| Net operating income to assets | 1.2570% | 1,325 |
| Return on assets (ROA) | 1.2570% | 1,381 |
| Pretax return on assets | 1.7632% | 852 |
| Return on Equity (ROE) | 12.4116% | 1,310 |
| Retained earnings to average equity (ytd only) | 8.0730% | 1,565 |
| Net charge-offs to loans | 0.0013% | 3,647 |
| Credit loss provision to net charge-offs | 15,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,955.6667% | 7 |
| Efficiency ratio | 54.9963% | 5,923 |
| Assets per employee ($millions) | 4.4822% | 2,998 |
| Cash dividends to net income (ytd only)* | 34.9560% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 3,674 |
| Loan loss allowance to noncurrent loans | 154.3713% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 3,893 |
| Noncurrent loans to loans | 0.8978% | 3,640 |
| Net loans and leases to total assets | 73.4900% | 1,352 |
| Net loans and leases to deposits | 89.0614% | 1,246 |
| Net loans and leases to core deposits | 100.4159% | 1,074 |
| Total domestic deposits to total assets | 82.5160% | 4,780 |
| Equity capital to assets | 10.2235% | 3,570 |
| Core capital (leverage) ratio | 9.3717% | 4,477 |
| Tier 1 risk-based capital ratio | 11.6580% | 5,833 |
| Total risk-based capital ratio | 12.9086% | 5,777 |
| Memoranda: | ||
| Average total assets | $1,228,923,500 | 551 |
| Average earning assets | $1,142,591,000 | 542 |
| Average equity | $124,464,500 | 578 |
| Average total loans | $922,697,000 | 479 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 2,204 |
| Cost of funding earning assets | 0.4136% | 4,495 |
| Net interest margin | 4.0862% | 1,686 |
| Noninterest income to average assets | 0.9456% | 1,538 |
| Noninterest expense to average assets | 2.5667% | 4,560 |
| Loan and lease loss provision to assets | 0.2950% | 1,150 |
| Net operating income to assets | 1.3266% | 1,189 |
| Return on assets (ROA) | 1.3274% | 1,224 |
| Pretax return on assets | 1.8690% | 648 |
| Return on Equity (ROE) | 13.4706% | 1,077 |
| Retained earnings to average equity (ytd only) | 9.4615% | 665 |
| Net charge-offs to loans | 0.1603% | 3,205 |
| Credit loss provision to net charge-offs | 243.0998% | 945 |
| Earnings coverage of net charge-offs (x) | 17.8231% | 1,695 |
| Efficiency ratio | 52.9881% | 6,212 |
| Assets per employee ($millions) | 4.4880% | 2,924 |
| Cash dividends to net income (ytd only)* | 29.7619% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 4,009 |
| Loan loss allowance to noncurrent loans | 155.7500% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 4,105 |
| Noncurrent loans to loans | 0.8510% | 3,848 |
| Net loans and leases to total assets | 74.6414% | 1,261 |
| Net loans and leases to deposits | 90.3339% | 1,203 |
| Net loans and leases to core deposits | 102.1186% | 1,017 |
| Total domestic deposits to total assets | 82.6284% | 4,669 |
| Equity capital to assets | 10.0318% | 3,726 |
| Core capital (leverage) ratio | 9.1832% | 4,746 |
| Tier 1 risk-based capital ratio | 11.3616% | 5,987 |
| Total risk-based capital ratio | 12.6010% | 5,925 |
| Memoranda: | ||
| Average total assets | $1,164,349,400 | 564 |
| Average earning assets | $1,078,228,200 | 551 |
| Average equity | $114,738,600 | 617 |
| Average total loans | $881,563,400 | 474 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 2,198 |
| Cost of funding earning assets | 0.4207% | 4,603 |
| Net interest margin | 4.0882% | 1,666 |
| Noninterest income to average assets | 0.9742% | 1,524 |
| Noninterest expense to average assets | 2.5077% | 4,695 |
| Loan and lease loss provision to assets | 0.3202% | 1,047 |
| Net operating income to assets | 1.3580% | 1,210 |
| Return on assets (ROA) | 1.3590% | 1,251 |
| Pretax return on assets | 1.9295% | 674 |
| Return on Equity (ROE) | 13.8577% | 1,023 |
| Retained earnings to average equity (ytd only) | 10.0126% | 787 |
| Net charge-offs to loans | 0.1791% | 2,792 |
| Credit loss provision to net charge-offs | 236.0992% | 1,031 |
| Earnings coverage of net charge-offs (x) | 16.5757% | 1,792 |
| Efficiency ratio | 51.3150% | 6,310 |
| Assets per employee ($millions) | 4.3210% | 3,180 |
| Cash dividends to net income (ytd only)* | 27.7470% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 4,198 |
| Loan loss allowance to noncurrent loans | 128.6800% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 3,899 |
| Noncurrent loans to loans | 1.0412% | 3,718 |
| Net loans and leases to total assets | 75.3789% | 1,088 |
| Net loans and leases to deposits | 94.1853% | 819 |
| Net loans and leases to core deposits | 108.5791% | 644 |
| Total domestic deposits to total assets | 80.0325% | 5,500 |
| Equity capital to assets | 10.2758% | 3,541 |
| Core capital (leverage) ratio | 9.6062% | 4,233 |
| Tier 1 risk-based capital ratio | 11.3469% | 6,129 |
| Total risk-based capital ratio | 12.5838% | 6,102 |
| Memoranda: | ||
| Average total assets | $1,149,129,000 | 576 |
| Average earning assets | $1,062,992,750 | 556 |
| Average equity | $112,695,000 | 632 |
| Average total loans | $870,250,750 | 479 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 2,241 |
| Cost of funding earning assets | 0.4363% | 4,591 |
| Net interest margin | 4.0522% | 1,685 |
| Noninterest income to average assets | 1.0300% | 1,437 |
| Noninterest expense to average assets | 2.4956% | 4,750 |
| Loan and lease loss provision to assets | 0.3324% | 1,031 |
| Net operating income to assets | 1.3593% | 1,171 |
| Return on assets (ROA) | 1.3609% | 1,250 |
| Pretax return on assets | 1.9545% | 661 |
| Return on Equity (ROE) | 14.1038% | 990 |
| Retained earnings to average equity (ytd only) | 10.0348% | 834 |
| Net charge-offs to loans | 0.2470% | 2,245 |
| Credit loss provision to net charge-offs | 178.2039% | 1,340 |
| Earnings coverage of net charge-offs (x) | 12.2479% | 1,992 |
| Efficiency ratio | 50.7976% | 6,369 |
| Assets per employee ($millions) | 4.2900% | 3,191 |
| Cash dividends to net income (ytd only)* | 28.8499% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 4,640 |
| Loan loss allowance to noncurrent loans | 127.6334% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 3,946 |
| Noncurrent loans to loans | 0.9959% | 3,944 |
| Net loans and leases to total assets | 75.5462% | 1,037 |
| Net loans and leases to deposits | 94.8047% | 760 |
| Net loans and leases to core deposits | 106.9574% | 690 |
| Total domestic deposits to total assets | 79.6862% | 5,673 |
| Equity capital to assets | 9.8095% | 4,172 |
| Core capital (leverage) ratio | 8.9273% | 5,105 |
| Tier 1 risk-based capital ratio | 10.6944% | 6,447 |
| Total risk-based capital ratio | 11.8649% | 6,445 |
| Memoranda: | ||
| Average total assets | $1,146,166,000 | 574 |
| Average earning assets | $1,060,756,330 | 560 |
| Average equity | $110,594,670 | 645 |
| Average total loans | $865,416,000 | 477 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 2,451 |
| Cost of funding earning assets | 0.4564% | 4,524 |
| Net interest margin | 3.9637% | 1,908 |
| Noninterest income to average assets | 1.2407% | 996 |
| Noninterest expense to average assets | 2.5466% | 4,581 |
| Loan and lease loss provision to assets | 0.3656% | 880 |
| Net operating income to assets | 1.3804% | 1,070 |
| Return on assets (ROA) | 1.3828% | 1,149 |
| Pretax return on assets | 1.9912% | 601 |
| Return on Equity (ROE) | 14.4503% | 872 |
| Retained earnings to average equity (ytd only) | 8.9919% | 1,384 |
| Net charge-offs to loans | 0.2985% | 1,772 |
| Credit loss provision to net charge-offs | 163.2970% | 1,284 |
| Earnings coverage of net charge-offs (x) | 10.5101% | 1,734 |
| Efficiency ratio | 50.6076% | 6,468 |
| Assets per employee ($millions) | 4.4011% | 3,150 |
| Cash dividends to net income (ytd only)* | 37.7739% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 4,825 |
| Loan loss allowance to noncurrent loans | 166.5886% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 4,546 |
| Noncurrent loans to loans | 0.7651% | 4,597 |
| Net loans and leases to total assets | 73.0727% | 1,195 |
| Net loans and leases to deposits | 88.3481% | 1,112 |
| Net loans and leases to core deposits | 97.7883% | 1,092 |
| Total domestic deposits to total assets | 82.7099% | 4,949 |
| Equity capital to assets | 9.8208% | 4,395 |
| Core capital (leverage) ratio | 8.6928% | 5,337 |
| Tier 1 risk-based capital ratio | 10.7140% | 6,517 |
| Total risk-based capital ratio | 11.8788% | 6,515 |
| Memoranda: | ||
| Average total assets | $1,148,674,500 | 575 |
| Average earning assets | $1,060,424,000 | 567 |
| Average equity | $109,921,500 | 664 |
| Average total loans | $861,527,000 | 479 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 2,268 |
| Cost of funding earning assets | 0.6821% | 3,637 |
| Net interest margin | 4.0987% | 2,009 |
| Noninterest income to average assets | 1.0550% | 1,390 |
| Noninterest expense to average assets | 2.6044% | 4,728 |
| Loan and lease loss provision to assets | 0.3588% | 1,856 |
| Net operating income to assets | 1.3472% | 1,203 |
| Return on assets (ROA) | 1.3722% | 1,269 |
| Pretax return on assets | 1.9185% | 717 |
| Return on Equity (ROE) | 14.1669% | 961 |
| Retained earnings to average equity (ytd only) | -4.8988% | 6,417 |
| Net charge-offs to loans | 0.2464% | 3,464 |
| Credit loss provision to net charge-offs | 196.3351% | 1,327 |
| Earnings coverage of net charge-offs (x) | 12.2712% | 1,947 |
| Efficiency ratio | 52.1961% | 6,448 |
| Assets per employee ($millions) | 4.6098% | 2,765 |
| Cash dividends to net income (ytd only)* | 134.5792% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 5,313 |
| Loan loss allowance to noncurrent loans | 201.8289% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6752% | 4,793 |
| Noncurrent loans to loans | 0.5740% | 5,094 |
| Net loans and leases to total assets | 75.0779% | 1,033 |
| Net loans and leases to deposits | 92.4518% | 874 |
| Net loans and leases to core deposits | 102.5590% | 856 |
| Total domestic deposits to total assets | 81.2076% | 5,338 |
| Equity capital to assets | 9.3256% | 5,116 |
| Core capital (leverage) ratio | 8.3506% | 5,825 |
| Tier 1 risk-based capital ratio | 10.1252% | 6,669 |
| Total risk-based capital ratio | 11.2127% | 6,677 |
| Memoranda: | ||
| Average total assets | $1,045,112,800 | 634 |
| Average earning assets | $966,919,400 | 613 |
| Average equity | $101,229,000 | 704 |
| Average total loans | $775,068,600 | 529 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 2,294 |
| Cost of funding earning assets | 0.7268% | 3,544 |
| Net interest margin | 4.0986% | 2,095 |
| Noninterest income to average assets | 1.0914% | 1,262 |
| Noninterest expense to average assets | 2.5739% | 4,830 |
| Loan and lease loss provision to assets | 0.3744% | 1,727 |
| Net operating income to assets | 1.3682% | 1,293 |
| Return on assets (ROA) | 1.3959% | 1,361 |
| Pretax return on assets | 1.9834% | 723 |
| Return on Equity (ROE) | 14.2596% | 1,054 |
| Retained earnings to average equity (ytd only) | -11.2400% | 6,846 |
| Net charge-offs to loans | 0.2310% | 3,334 |
| Credit loss provision to net charge-offs | 220.0772% | 1,264 |
| Earnings coverage of net charge-offs (x) | 13.6247% | 1,898 |
| Efficiency ratio | 51.0514% | 6,515 |
| Assets per employee ($millions) | 4.3527% | 3,160 |
| Cash dividends to net income (ytd only)* | 178.8236% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 5,187 |
| Loan loss allowance to noncurrent loans | 128.4041% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 4,338 |
| Noncurrent loans to loans | 0.9512% | 4,533 |
| Net loans and leases to total assets | 72.6938% | 1,437 |
| Net loans and leases to deposits | 89.5579% | 1,199 |
| Net loans and leases to core deposits | 99.9522% | 1,128 |
| Total domestic deposits to total assets | 81.1696% | 5,309 |
| Equity capital to assets | 9.5146% | 5,186 |
| Core capital (leverage) ratio | 8.3038% | 6,001 |
| Tier 1 risk-based capital ratio | 10.3517% | 6,713 |
| Total risk-based capital ratio | 11.4908% | 6,716 |
| Memoranda: | ||
| Average total assets | $1,014,821,500 | 659 |
| Average earning assets | $941,038,250 | 634 |
| Average equity | $99,345,500 | 718 |
| Average total loans | $747,365,750 | 545 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 2,456 |
| Cost of funding earning assets | 0.7565% | 3,551 |
| Net interest margin | 4.0552% | 2,270 |
| Noninterest income to average assets | 1.0985% | 1,187 |
| Noninterest expense to average assets | 2.5637% | 4,907 |
| Loan and lease loss provision to assets | 0.3967% | 1,657 |
| Net operating income to assets | 1.3523% | 1,308 |
| Return on assets (ROA) | 1.3683% | 1,424 |
| Pretax return on assets | 1.9243% | 814 |
| Return on Equity (ROE) | 13.8312% | 1,160 |
| Retained earnings to average equity (ytd only) | -22.6695% | 7,039 |
| Net charge-offs to loans | 0.2071% | 3,329 |
| Credit loss provision to net charge-offs | 260.0000% | 1,108 |
| Earnings coverage of net charge-offs (x) | 15.0640% | 1,669 |
| Efficiency ratio | 51.1883% | 6,563 |
| Assets per employee ($millions) | 4.5051% | 2,898 |
| Cash dividends to net income (ytd only)* | 263.9013% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 5,334 |
| Loan loss allowance to noncurrent loans | 110.0526% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.1216% | 4,147 |
| Noncurrent loans to loans | 1.0941% | 4,339 |
| Net loans and leases to total assets | 71.2470% | 1,689 |
| Net loans and leases to deposits | 86.0582% | 1,587 |
| Net loans and leases to core deposits | 96.8332% | 1,369 |
| Total domestic deposits to total assets | 82.7893% | 4,828 |
| Equity capital to assets | 9.2779% | 5,353 |
| Core capital (leverage) ratio | 8.4005% | 5,787 |
| Tier 1 risk-based capital ratio | 10.0345% | 6,816 |
| Total risk-based capital ratio | 11.1236% | 6,844 |
| Memoranda: | ||
| Average total assets | $983,114,670 | 677 |
| Average earning assets | $912,409,330 | 657 |
| Average equity | $97,258,330 | 732 |
| Average total loans | $724,209,000 | 568 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 2,162 |
| Cost of funding earning assets | 0.8061% | 3,428 |
| Net interest margin | 4.1154% | 2,040 |
| Noninterest income to average assets | 1.2484% | 906 |
| Noninterest expense to average assets | 2.5576% | 4,969 |
| Loan and lease loss provision to assets | 0.4563% | 1,353 |
| Net operating income to assets | 1.4680% | 1,089 |
| Return on assets (ROA) | 1.4696% | 1,211 |
| Pretax return on assets | 2.0657% | 665 |
| Return on Equity (ROE) | 14.3190% | 1,122 |
| Retained earnings to average equity (ytd only) | 7.9682% | 1,991 |
| Net charge-offs to loans | 0.5458% | 1,723 |
| Credit loss provision to net charge-offs | 112.0598% | 2,101 |
| Earnings coverage of net charge-offs (x) | 6.1889% | 2,246 |
| Efficiency ratio | 48.9260% | 6,743 |
| Assets per employee ($millions) | 4.4220% | 3,150 |
| Cash dividends to net income (ytd only)* | 44.3525% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 5,182 |
| Loan loss allowance to noncurrent loans | 192.2090% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 5,381 |
| Noncurrent loans to loans | 0.6578% | 5,329 |
| Net loans and leases to total assets | 71.7826% | 1,444 |
| Net loans and leases to deposits | 89.1795% | 1,042 |
| Net loans and leases to core deposits | 101.5510% | 885 |
| Total domestic deposits to total assets | 80.4923% | 5,725 |
| Equity capital to assets | 10.2734% | 3,760 |
| Core capital (leverage) ratio | 9.3989% | 4,194 |
| Tier 1 risk-based capital ratio | 11.8212% | 6,070 |
| Total risk-based capital ratio | 13.0018% | 6,106 |
| Memoranda: | ||
| Average total assets | $920,542,000 | 724 |
| Average earning assets | $856,485,500 | 700 |
| Average equity | $94,476,000 | 746 |
| Average total loans | $686,701,000 | 603 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 2,017 |
| Cost of funding earning assets | 0.9574% | 3,669 |
| Net interest margin | 4.2519% | 1,875 |
| Noninterest income to average assets | 0.9441% | 1,523 |
| Noninterest expense to average assets | 2.5103% | 5,436 |
| Loan and lease loss provision to assets | 0.5590% | 1,867 |
| Net operating income to assets | 1.3155% | 1,204 |
| Return on assets (ROA) | 1.3175% | 1,298 |
| Pretax return on assets | 1.8226% | 771 |
| Return on Equity (ROE) | 12.9223% | 1,183 |
| Retained earnings to average equity (ytd only) | 8.8173% | 853 |
| Net charge-offs to loans | 0.7163% | 2,368 |
| Credit loss provision to net charge-offs | 102.8264% | 3,363 |
| Earnings coverage of net charge-offs (x) | 4.3759% | 3,136 |
| Efficiency ratio | 49.6119% | 6,860 |
| Assets per employee ($millions) | 4.3245% | 3,208 |
| Cash dividends to net income (ytd only)* | 31.7668% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 5,357 |
| Loan loss allowance to noncurrent loans | 194.2126% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 5,417 |
| Noncurrent loans to loans | 0.6211% | 5,471 |
| Net loans and leases to total assets | 75.6036% | 1,007 |
| Net loans and leases to deposits | 94.2368% | 797 |
| Net loans and leases to core deposits | 108.4345% | 678 |
| Total domestic deposits to total assets | 80.2272% | 5,678 |
| Equity capital to assets | 10.2526% | 3,844 |
| Core capital (leverage) ratio | 9.1610% | 4,529 |
| Tier 1 risk-based capital ratio | 11.3111% | 6,286 |
| Total risk-based capital ratio | 12.4478% | 6,327 |
| Memoranda: | ||
| Average total assets | $872,114,600 | 749 |
| Average earning assets | $809,170,200 | 729 |
| Average equity | $88,915,800 | 758 |
| Average total loans | $661,877,400 | 624 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2143% | 2,152 |
| Cost of funding earning assets | 0.9792% | 3,825 |
| Net interest margin | 4.2351% | 1,967 |
| Noninterest income to average assets | 0.9449% | 1,503 |
| Noninterest expense to average assets | 2.4868% | 5,511 |
| Loan and lease loss provision to assets | 0.5568% | 1,765 |
| Net operating income to assets | 1.2952% | 1,390 |
| Return on assets (ROA) | 1.2964% | 1,480 |
| Pretax return on assets | 1.8325% | 899 |
| Return on Equity (ROE) | 12.7348% | 1,352 |
| Retained earnings to average equity (ytd only) | 8.3289% | 1,379 |
| Net charge-offs to loans | 0.6955% | 2,174 |
| Credit loss provision to net charge-offs | 105.7269% | 3,135 |
| Earnings coverage of net charge-offs (x) | 4.5336% | 3,036 |
| Efficiency ratio | 49.2178% | 6,869 |
| Assets per employee ($millions) | 4.2582% | 3,354 |
| Cash dividends to net income (ytd only)* | 34.5979% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 5,280 |
| Loan loss allowance to noncurrent loans | 100.9400% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 4,666 |
| Noncurrent loans to loans | 1.2326% | 4,479 |
| Net loans and leases to total assets | 75.2955% | 1,094 |
| Net loans and leases to deposits | 94.0835% | 829 |
| Net loans and leases to core deposits | 110.4394% | 654 |
| Total domestic deposits to total assets | 80.0305% | 5,724 |
| Equity capital to assets | 10.1857% | 4,109 |
| Core capital (leverage) ratio | 9.3958% | 4,310 |
| Tier 1 risk-based capital ratio | 11.1107% | 6,473 |
| Total risk-based capital ratio | 12.2710% | 6,514 |
| Memoranda: | ||
| Average total assets | $862,027,750 | 763 |
| Average earning assets | $799,834,500 | 745 |
| Average equity | $87,757,000 | 773 |
| Average total loans | $652,777,500 | 638 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2426% | 2,086 |
| Cost of funding earning assets | 1.0091% | 3,895 |
| Net interest margin | 4.2335% | 1,903 |
| Noninterest income to average assets | 0.9409% | 1,493 |
| Noninterest expense to average assets | 2.4945% | 5,562 |
| Loan and lease loss provision to assets | 0.5286% | 1,848 |
| Net operating income to assets | 1.3072% | 1,293 |
| Return on assets (ROA) | 1.3077% | 1,370 |
| Pretax return on assets | 1.8454% | 800 |
| Return on Equity (ROE) | 12.8473% | 1,234 |
| Retained earnings to average equity (ytd only) | 8.4618% | 1,276 |
| Net charge-offs to loans | 0.6500% | 2,219 |
| Credit loss provision to net charge-offs | 107.6555% | 2,859 |
| Earnings coverage of net charge-offs (x) | 4.8335% | 2,761 |
| Efficiency ratio | 49.4208% | 6,976 |
| Assets per employee ($millions) | 4.0548% | 3,643 |
| Cash dividends to net income (ytd only)* | 34.1358% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 5,080 |
| Loan loss allowance to noncurrent loans | 80.6319% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 4,281 |
| Noncurrent loans to loans | 1.6079% | 3,980 |
| Net loans and leases to total assets | 74.4610% | 1,334 |
| Net loans and leases to deposits | 91.3694% | 1,125 |
| Net loans and leases to core deposits | 105.5532% | 954 |
| Total domestic deposits to total assets | 81.4945% | 5,349 |
| Equity capital to assets | 10.3037% | 3,748 |
| Core capital (leverage) ratio | 9.3318% | 4,203 |
| Tier 1 risk-based capital ratio | 11.3720% | 6,272 |
| Total risk-based capital ratio | 12.5844% | 6,286 |
| Memoranda: | ||
| Average total assets | $851,297,670 | 778 |
| Average earning assets | $789,649,330 | 765 |
| Average equity | $86,648,670 | 776 |
| Average total loans | $643,107,000 | 661 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 2,025 |
| Cost of funding earning assets | 1.0550% | 3,815 |
| Net interest margin | 4.2004% | 1,890 |
| Noninterest income to average assets | 0.9854% | 1,372 |
| Noninterest expense to average assets | 2.5275% | 5,458 |
| Loan and lease loss provision to assets | 0.5325% | 1,631 |
| Net operating income to assets | 1.2916% | 1,290 |
| Return on assets (ROA) | 1.2926% | 1,331 |
| Pretax return on assets | 1.8204% | 784 |
| Return on Equity (ROE) | 12.7799% | 1,253 |
| Retained earnings to average equity (ytd only) | 9.0362% | 1,368 |
| Net charge-offs to loans | 0.7175% | 1,781 |
| Credit loss provision to net charge-offs | 98.1675% | 2,784 |
| Earnings coverage of net charge-offs (x) | 4.3351% | 2,506 |
| Efficiency ratio | 49.9709% | 6,988 |
| Assets per employee ($millions) | 4.1315% | 3,577 |
| Cash dividends to net income (ytd only)* | 29.2933% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 4,993 |
| Loan loss allowance to noncurrent loans | 98.1710% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 4,592 |
| Noncurrent loans to loans | 1.3536% | 4,453 |
| Net loans and leases to total assets | 72.8218% | 1,548 |
| Net loans and leases to deposits | 90.2788% | 1,200 |
| Net loans and leases to core deposits | 104.3774% | 1,036 |
| Total domestic deposits to total assets | 80.6632% | 5,763 |
| Equity capital to assets | 10.2658% | 3,451 |
| Core capital (leverage) ratio | 9.2300% | 4,242 |
| Tier 1 risk-based capital ratio | 11.6593% | 5,972 |
| Total risk-based capital ratio | 12.9056% | 5,963 |
| Memoranda: | ||
| Average total assets | $845,110,500 | 789 |
| Average earning assets | $783,347,000 | 772 |
| Average equity | $85,478,000 | 775 |
| Average total loans | $638,887,500 | 670 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 2,676 |
| Cost of funding earning assets | 1.2107% | 4,495 |
| Net interest margin | 4.1882% | 2,231 |
| Noninterest income to average assets | 0.9923% | 1,525 |
| Noninterest expense to average assets | 2.7271% | 4,865 |
| Loan and lease loss provision to assets | 0.5552% | 2,910 |
| Net operating income to assets | 1.1592% | 1,514 |
| Return on assets (ROA) | 1.1604% | 1,595 |
| Pretax return on assets | 1.5863% | 1,158 |
| Return on Equity (ROE) | 11.6119% | 1,417 |
| Retained earnings to average equity (ytd only) | 8.2787% | 892 |
| Net charge-offs to loans | 0.6195% | 3,181 |
| Credit loss provision to net charge-offs | 117.4628% | 3,637 |
| Earnings coverage of net charge-offs (x) | 4.5275% | 2,886 |
| Efficiency ratio | 53.9493% | 6,812 |
| Assets per employee ($millions) | 4.0937% | 3,594 |
| Cash dividends to net income (ytd only)* | 28.7051% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 5,187 |
| Loan loss allowance to noncurrent loans | 90.6883% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.3271% | 4,370 |
| Noncurrent loans to loans | 1.3937% | 4,396 |
| Net loans and leases to total assets | 76.4059% | 1,204 |
| Net loans and leases to deposits | 99.3111% | 618 |
| Net loans and leases to core deposits | 114.9198% | 680 |
| Total domestic deposits to total assets | 76.9359% | 6,487 |
| Equity capital to assets | 9.9639% | 3,790 |
| Core capital (leverage) ratio | 9.0664% | 4,420 |
| Tier 1 risk-based capital ratio | 10.7773% | 6,508 |
| Total risk-based capital ratio | 11.9653% | 6,527 |
| Memoranda: | ||
| Average total assets | $810,579,000 | 836 |
| Average earning assets | $749,888,000 | 814 |
| Average equity | $81,003,000 | 812 |
| Average total loans | $618,368,000 | 718 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 2,732 |
| Cost of funding earning assets | 1.2400% | 4,630 |
| Net interest margin | 4.1918% | 2,248 |
| Noninterest income to average assets | 0.9520% | 1,613 |
| Noninterest expense to average assets | 2.7743% | 4,585 |
| Loan and lease loss provision to assets | 0.5865% | 2,590 |
| Net operating income to assets | 1.0832% | 1,954 |
| Return on assets (ROA) | 1.0843% | 2,058 |
| Pretax return on assets | 1.4724% | 1,679 |
| Return on Equity (ROE) | 10.8417% | 1,841 |
| Retained earnings to average equity (ytd only) | 7.5977% | 1,560 |
| Net charge-offs to loans | 0.6609% | 2,776 |
| Credit loss provision to net charge-offs | 116.7605% | 3,561 |
| Earnings coverage of net charge-offs (x) | 4.0961% | 3,193 |
| Efficiency ratio | 55.2495% | 6,652 |
| Assets per employee ($millions) | 4.0285% | 3,774 |
| Cash dividends to net income (ytd only)* | 29.9218% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 4,866 |
| Loan loss allowance to noncurrent loans | 94.2671% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.2842% | 4,574 |
| Noncurrent loans to loans | 1.3971% | 4,521 |
| Net loans and leases to total assets | 74.0634% | 1,788 |
| Net loans and leases to deposits | 94.8722% | 1,108 |
| Net loans and leases to core deposits | 112.7529% | 893 |
| Total domestic deposits to total assets | 78.0665% | 6,243 |
| Equity capital to assets | 10.0847% | 4,049 |
| Core capital (leverage) ratio | 8.9832% | 4,724 |
| Tier 1 risk-based capital ratio | 11.1148% | 6,264 |
| Total risk-based capital ratio | 12.3540% | 6,278 |
| Memoranda: | ||
| Average total assets | $801,376,000 | 845 |
| Average earning assets | $741,708,500 | 827 |
| Average equity | $80,145,500 | 820 |
| Average total loans | $609,023,750 | 732 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3940% | 2,998 |
| Cost of funding earning assets | 1.2361% | 4,923 |
| Net interest margin | 4.1579% | 2,299 |
| Noninterest income to average assets | 0.9364% | 1,558 |
| Noninterest expense to average assets | 2.6908% | 4,944 |
| Loan and lease loss provision to assets | 0.6041% | 2,373 |
| Net operating income to assets | 1.0773% | 1,927 |
| Return on assets (ROA) | 1.0786% | 2,000 |
| Pretax return on assets | 1.4939% | 1,571 |
| Return on Equity (ROE) | 10.8160% | 1,806 |
| Retained earnings to average equity (ytd only) | 7.7870% | 1,515 |
| Net charge-offs to loans | 0.8294% | 2,181 |
| Credit loss provision to net charge-offs | 95.4274% | 4,252 |
| Earnings coverage of net charge-offs (x) | 3.3113% | 3,374 |
| Efficiency ratio | 54.0015% | 6,883 |
| Assets per employee ($millions) | 3.9372% | 3,890 |
| Cash dividends to net income (ytd only)* | 28.0047% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 5,398 |
| Loan loss allowance to noncurrent loans | 74.7062% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.3726% | 4,428 |
| Noncurrent loans to loans | 1.6197% | 4,279 |
| Net loans and leases to total assets | 75.5181% | 1,591 |
| Net loans and leases to deposits | 94.7806% | 1,176 |
| Net loans and leases to core deposits | 110.2795% | 1,147 |
| Total domestic deposits to total assets | 79.6768% | 5,827 |
| Equity capital to assets | 9.9976% | 4,030 |
| Core capital (leverage) ratio | 9.0318% | 4,555 |
| Tier 1 risk-based capital ratio | 10.9538% | 6,292 |
| Total risk-based capital ratio | 12.1074% | 6,382 |
| Memoranda: | ||
| Average total assets | $794,562,330 | 858 |
| Average earning assets | $735,857,670 | 837 |
| Average equity | $79,234,670 | 826 |
| Average total loans | $606,435,330 | 744 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3524% | 3,286 |
| Cost of funding earning assets | 1.2291% | 5,233 |
| Net interest margin | 4.1233% | 2,344 |
| Noninterest income to average assets | 0.9665% | 1,400 |
| Noninterest expense to average assets | 2.7389% | 4,723 |
| Loan and lease loss provision to assets | 0.6104% | 2,088 |
| Net operating income to assets | 1.0199% | 2,114 |
| Return on assets (ROA) | 1.0210% | 2,168 |
| Pretax return on assets | 1.4279% | 1,700 |
| Return on Equity (ROE) | 10.2518% | 2,018 |
| Retained earnings to average equity (ytd only) | 6.6762% | 2,287 |
| Net charge-offs to loans | 1.3615% | 1,265 |
| Credit loss provision to net charge-offs | 58.7947% | 4,322 |
| Earnings coverage of net charge-offs (x) | 1.9618% | 3,557 |
| Efficiency ratio | 55.1129% | 6,874 |
| Assets per employee ($millions) | 3.9893% | 3,896 |
| Cash dividends to net income (ytd only)* | 34.8779% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 5,849 |
| Loan loss allowance to noncurrent loans | 65.9177% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.4095% | 4,396 |
| Noncurrent loans to loans | 1.7185% | 4,166 |
| Net loans and leases to total assets | 74.1317% | 1,943 |
| Net loans and leases to deposits | 92.1879% | 1,587 |
| Net loans and leases to core deposits | 110.3412% | 1,247 |
| Total domestic deposits to total assets | 80.4137% | 5,650 |
| Equity capital to assets | 9.9030% | 3,988 |
| Core capital (leverage) ratio | 8.9530% | 4,642 |
| Tier 1 risk-based capital ratio | 11.0020% | 6,151 |
| Total risk-based capital ratio | 12.0789% | 6,294 |
| Memoranda: | ||
| Average total assets | $786,312,500 | 884 |
| Average earning assets | $726,402,000 | 866 |
| Average equity | $78,308,500 | 842 |
| Average total loans | $599,652,500 | 770 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7240% | 2,991 |
| Cost of funding earning assets | 1.4577% | 5,689 |
| Net interest margin | 4.2663% | 1,833 |
| Noninterest income to average assets | 1.2645% | 943 |
| Noninterest expense to average assets | 2.7747% | 5,072 |
| Loan and lease loss provision to assets | 0.6914% | 3,060 |
| Net operating income to assets | 1.1925% | 1,262 |
| Return on assets (ROA) | 1.2522% | 1,184 |
| Pretax return on assets | 1.8476% | 576 |
| Return on Equity (ROE) | 11.6035% | 1,263 |
| Retained earnings to average equity (ytd only) | 0.7806% | 4,463 |
| Net charge-offs to loans | 0.6889% | 3,123 |
| Credit loss provision to net charge-offs | 128.3694% | 4,015 |
| Earnings coverage of net charge-offs (x) | 4.5511% | 2,908 |
| Efficiency ratio | 51.1140% | 7,460 |
| Assets per employee ($millions) | 4.1211% | 3,570 |
| Cash dividends to net income (ytd only)* | 93.2729% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 4,951 |
| Loan loss allowance to noncurrent loans | 80.5200% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.5743% | 4,020 |
| Noncurrent loans to loans | 1.5741% | 4,286 |
| Net loans and leases to total assets | 76.5966% | 1,674 |
| Net loans and leases to deposits | 97.4543% | 1,159 |
| Net loans and leases to core deposits | 108.3788% | 3,063 |
| Total domestic deposits to total assets | 78.5974% | 6,093 |
| Equity capital to assets | 10.0165% | 3,734 |
| Core capital (leverage) ratio | 9.5398% | 3,670 |
| Tier 1 risk-based capital ratio | 10.8194% | 6,096 |
| Total risk-based capital ratio | 12.0277% | 6,105 |
| Memoranda: | ||
| Average total assets | $695,676,800 | 990 |
| Average earning assets | $645,965,200 | 967 |
| Average equity | $75,072,200 | 857 |
| Average total loans | $543,872,200 | 882 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7714% | 3,016 |
| Cost of funding earning assets | 1.5117% | 5,771 |
| Net interest margin | 4.2596% | 1,842 |
| Noninterest income to average assets | 1.3402% | 855 |
| Noninterest expense to average assets | 2.7910% | 4,932 |
| Loan and lease loss provision to assets | 0.6953% | 2,648 |
| Net operating income to assets | 1.2362% | 1,386 |
| Return on assets (ROA) | 1.2990% | 1,297 |
| Pretax return on assets | 1.9158% | 639 |
| Return on Equity (ROE) | 11.7946% | 1,420 |
| Retained earnings to average equity (ytd only) | 7.8093% | 1,195 |
| Net charge-offs to loans | 0.7782% | 2,415 |
| Credit loss provision to net charge-offs | 114.0408% | 4,455 |
| Earnings coverage of net charge-offs (x) | 4.1310% | 3,249 |
| Efficiency ratio | 50.5535% | 7,512 |
| Assets per employee ($millions) | 3.8598% | 4,052 |
| Cash dividends to net income (ytd only)* | 33.7889% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 4,749 |
| Loan loss allowance to noncurrent loans | 135.7878% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 4,764 |
| Noncurrent loans to loans | 0.9290% | 5,434 |
| Net loans and leases to total assets | 78.3035% | 1,517 |
| Net loans and leases to deposits | 103.4534% | 813 |
| Net loans and leases to core deposits | 117.9622% | 2,418 |
| Total domestic deposits to total assets | 75.6896% | 6,642 |
| Equity capital to assets | 10.9947% | 3,009 |
| Core capital (leverage) ratio | 9.9334% | 3,363 |
| Tier 1 risk-based capital ratio | 11.6004% | 5,337 |
| Total risk-based capital ratio | 12.7946% | 5,337 |
| Memoranda: | ||
| Average total assets | $675,906,500 | 1,025 |
| Average earning assets | $629,896,500 | 1,007 |
| Average equity | $74,439,250 | 879 |
| Average total loans | $529,576,250 | 913 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7478% | 3,304 |
| Cost of funding earning assets | 1.5384% | 5,981 |
| Net interest margin | 4.2094% | 1,961 |
| Noninterest income to average assets | 1.4364% | 729 |
| Noninterest expense to average assets | 2.8638% | 4,668 |
| Loan and lease loss provision to assets | 0.6584% | 2,455 |
| Net operating income to assets | 1.2453% | 1,369 |
| Return on assets (ROA) | 1.2934% | 1,327 |
| Pretax return on assets | 1.9053% | 689 |
| Return on Equity (ROE) | 11.7368% | 1,501 |
| Retained earnings to average equity (ytd only) | 7.5955% | 1,355 |
| Net charge-offs to loans | 0.6885% | 2,327 |
| Credit loss provision to net charge-offs | 122.5627% | 3,797 |
| Earnings coverage of net charge-offs (x) | 4.6412% | 3,045 |
| Efficiency ratio | 51.4496% | 7,557 |
| Assets per employee ($millions) | 3.8259% | 4,037 |
| Cash dividends to net income (ytd only)* | 35.2846% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 4,191 |
| Loan loss allowance to noncurrent loans | 103.5868% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1229% | 4,707 |
| Noncurrent loans to loans | 1.2685% | 4,663 |
| Net loans and leases to total assets | 76.3279% | 2,098 |
| Net loans and leases to deposits | 95.5934% | 1,861 |
| Net loans and leases to core deposits | 108.0593% | 3,603 |
| Total domestic deposits to total assets | 79.8464% | 5,528 |
| Equity capital to assets | 10.9461% | 2,970 |
| Core capital (leverage) ratio | 9.9218% | 3,380 |
| Tier 1 risk-based capital ratio | 11.8416% | 5,058 |
| Total risk-based capital ratio | 13.0872% | 4,979 |
| Memoranda: | ||
| Average total assets | $668,335,330 | 1,057 |
| Average earning assets | $622,459,670 | 1,036 |
| Average equity | $73,648,670 | 903 |
| Average total loans | $521,424,000 | 947 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7349% | 3,616 |
| Cost of funding earning assets | 1.5771% | 6,131 |
| Net interest margin | 4.1578% | 2,059 |
| Noninterest income to average assets | 1.4422% | 676 |
| Noninterest expense to average assets | 2.7287% | 4,881 |
| Loan and lease loss provision to assets | 0.6666% | 1,896 |
| Net operating income to assets | 1.2935% | 1,397 |
| Return on assets (ROA) | 1.2956% | 1,488 |
| Pretax return on assets | 1.9113% | 779 |
| Return on Equity (ROE) | 11.7164% | 1,755 |
| Retained earnings to average equity (ytd only) | 7.7434% | 1,906 |
| Net charge-offs to loans | 0.5668% | 2,049 |
| Credit loss provision to net charge-offs | 150.0682% | 2,772 |
| Earnings coverage of net charge-offs (x) | 5.7967% | 2,604 |
| Efficiency ratio | 49.3944% | 7,634 |
| Assets per employee ($millions) | 3.8289% | 4,022 |
| Cash dividends to net income (ytd only)* | 33.9102% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 3,930 |
| Loan loss allowance to noncurrent loans | 145.6439% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 5,033 |
| Noncurrent loans to loans | 0.9106% | 5,183 |
| Net loans and leases to total assets | 77.7346% | 1,885 |
| Net loans and leases to deposits | 100.9833% | 1,280 |
| Net loans and leases to core deposits | 113.9725% | 3,011 |
| Total domestic deposits to total assets | 76.9776% | 6,283 |
| Equity capital to assets | 11.1117% | 2,882 |
| Core capital (leverage) ratio | 10.0564% | 3,341 |
| Tier 1 risk-based capital ratio | 11.7980% | 5,128 |
| Total risk-based capital ratio | 13.0396% | 5,054 |
| Memoranda: | ||
| Average total assets | $660,083,500 | 1,077 |
| Average earning assets | $613,017,500 | 1,049 |
| Average equity | $72,991,500 | 917 |
| Average total loans | $517,294,500 | 963 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4760% | 3,084 |
| Cost of funding earning assets | 2.1179% | 5,974 |
| Net interest margin | 4.3581% | 1,803 |
| Noninterest income to average assets | 1.1349% | 1,214 |
| Noninterest expense to average assets | 2.7963% | 4,830 |
| Loan and lease loss provision to assets | 0.4567% | 3,005 |
| Net operating income to assets | 1.2848% | 1,529 |
| Return on assets (ROA) | 1.2880% | 1,470 |
| Pretax return on assets | 1.8836% | 792 |
| Return on Equity (ROE) | 11.5556% | 1,735 |
| Retained earnings to average equity (ytd only) | 7.3792% | 1,025 |
| Net charge-offs to loans | 0.3839% | 2,907 |
| Credit loss provision to net charge-offs | 154.9564% | 3,369 |
| Earnings coverage of net charge-offs (x) | 7.9243% | 2,988 |
| Efficiency ratio | 52.0442% | 7,483 |
| Assets per employee ($millions) | 3.7803% | 4,000 |
| Cash dividends to net income (ytd only)* | 36.1416% | 3,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 3,940 |
| Loan loss allowance to noncurrent loans | 126.5688% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 4,465 |
| Noncurrent loans to loans | 1.0100% | 4,563 |
| Net loans and leases to total assets | 76.9572% | 2,389 |
| Net loans and leases to deposits | 101.2744% | 1,670 |
| Net loans and leases to core deposits | 127.1131% | 2,074 |
| Total domestic deposits to total assets | 75.9888% | 6,242 |
| Equity capital to assets | 11.0037% | 3,039 |
| Core capital (leverage) ratio | 9.8169% | 3,629 |
| Tier 1 risk-based capital ratio | 11.7023% | 5,056 |
| Total risk-based capital ratio | 12.9178% | 4,980 |
| Memoranda: | ||
| Average total assets | $622,958,600 | 1,075 |
| Average earning assets | $571,326,600 | 1,082 |
| Average equity | $69,438,000 | 965 |
| Average total loans | $478,200,600 | 1,010 |