Home > First United Bank > Performance and Condition Ratios
First United Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 1,621 |
| Cost of funding earning assets | 2.2080% | 631 |
| Net interest margin | 3.0155% | 3,244 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.0009% | 3,632 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3430% | 1,340 |
| Return on assets (ROA) | 1.3430% | 1,311 |
| Pretax return on assets | 1.3430% | 1,757 |
| Return on Equity (ROE) | 17.7500% | 851 |
| Retained earnings to average equity (ytd only) | 7.9616% | 1,548 |
| Net charge-offs to loans | 0.0185% | 1,988 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 126.0625% | 799 |
| Efficiency ratio | 58.5687% | 3,235 |
| Assets per employee ($millions) | 8.9977% | 984 |
| Cash dividends to net income (ytd only)* | 55.1540% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,456 |
| Loan loss allowance to noncurrent loans | 82.3656% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 471 |
| Noncurrent loans to loans | 1.6768% | 378 |
| Net loans and leases to total assets | 60.9500% | 2,757 |
| Net loans and leases to deposits | 73.5984% | 2,646 |
| Net loans and leases to core deposits | 82.3253% | 2,564 |
| Total domestic deposits to total assets | 82.8100% | 2,936 |
| Equity capital to assets | 8.0722% | 3,365 |
| Core capital (leverage) ratio | 10.9078% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5409% | 1,171 |
| Memoranda: | ||
| Average total assets | $2,163,365,200 | 527 |
| Average earning assets | $2,019,959,200 | 516 |
| Average equity | $163,661,400 | 631 |
| Average total loans | $1,296,153,000 | 585 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 1,604 |
| Cost of funding earning assets | 2.1116% | 580 |
| Net interest margin | 3.0034% | 3,337 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.0121% | 3,568 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3512% | 1,419 |
| Return on assets (ROA) | 1.3512% | 1,398 |
| Pretax return on assets | 1.3512% | 1,891 |
| Return on Equity (ROE) | 18.1700% | 928 |
| Retained earnings to average equity (ytd only) | 5.1520% | 2,882 |
| Net charge-offs to loans | 0.0162% | 1,816 |
| Credit loss provision to net charge-offs | 288.4615% | 912 |
| Earnings coverage of net charge-offs (x) | 142.9038% | 754 |
| Efficiency ratio | 59.0569% | 3,079 |
| Assets per employee ($millions) | 8.9858% | 939 |
| Cash dividends to net income (ytd only)* | 71.6477% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,676 |
| Loan loss allowance to noncurrent loans | 2,717.7444% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,498 |
| Noncurrent loans to loans | 0.0495% | 3,402 |
| Net loans and leases to total assets | 61.5200% | 2,700 |
| Net loans and leases to deposits | 74.3478% | 2,533 |
| Net loans and leases to core deposits | 83.8308% | 2,334 |
| Total domestic deposits to total assets | 82.7400% | 3,060 |
| Equity capital to assets | 7.0210% | 3,598 |
| Core capital (leverage) ratio | 10.6659% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8262% | 1,367 |
| Memoranda: | ||
| Average total assets | $2,155,345,000 | 533 |
| Average earning assets | $2,011,651,750 | 522 |
| Average equity | $160,271,750 | 635 |
| Average total loans | $1,280,992,250 | 592 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 1,704 |
| Cost of funding earning assets | 1.9585% | 542 |
| Net interest margin | 2.9641% | 3,526 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.0248% | 3,536 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2985% | 1,570 |
| Return on assets (ROA) | 1.2985% | 1,555 |
| Pretax return on assets | 1.2985% | 2,084 |
| Return on Equity (ROE) | 17.1400% | 1,079 |
| Retained earnings to average equity (ytd only) | 3.7874% | 3,257 |
| Net charge-offs to loans | 0.0227% | 1,428 |
| Credit loss provision to net charge-offs | 209.7902% | 1,032 |
| Earnings coverage of net charge-offs (x) | 99.9371% | 935 |
| Efficiency ratio | 60.1750% | 2,935 |
| Assets per employee ($millions) | 8.7763% | 975 |
| Cash dividends to net income (ytd only)* | 77.9072% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 1,620 |
| Loan loss allowance to noncurrent loans | 2,192.7873% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,406 |
| Noncurrent loans to loans | 0.0628% | 3,254 |
| Net loans and leases to total assets | 58.8200% | 2,882 |
| Net loans and leases to deposits | 72.1423% | 2,642 |
| Net loans and leases to core deposits | 82.6433% | 2,286 |
| Total domestic deposits to total assets | 81.5300% | 3,326 |
| Equity capital to assets | 7.5194% | 3,506 |
| Core capital (leverage) ratio | 10.6453% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9418% | 1,331 |
| Memoranda: | ||
| Average total assets | $2,154,932,333 | 520 |
| Average earning assets | $2,007,147,333 | 508 |
| Average equity | $163,224,667 | 624 |
| Average total loans | $1,259,751,333 | 591 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 1,711 |
| Cost of funding earning assets | 1.7350% | 513 |
| Net interest margin | 3.0290% | 3,528 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.0776% | 3,433 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2757% | 1,736 |
| Return on assets (ROA) | 1.2757% | 1,704 |
| Pretax return on assets | 1.2757% | 2,240 |
| Return on Equity (ROE) | 16.7800% | 1,213 |
| Retained earnings to average equity (ytd only) | 5.2226% | 2,968 |
| Net charge-offs to loans | 0.0330% | 1,057 |
| Credit loss provision to net charge-offs | 147.0588% | 957 |
| Earnings coverage of net charge-offs (x) | 68.3725% | 956 |
| Efficiency ratio | 61.1953% | 2,793 |
| Assets per employee ($millions) | 8.8142% | 1,008 |
| Cash dividends to net income (ytd only)* | 68.8746% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 1,479 |
| Loan loss allowance to noncurrent loans | 3,370.1323% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,539 |
| Noncurrent loans to loans | 0.0426% | 3,435 |
| Net loans and leases to total assets | 57.4000% | 2,919 |
| Net loans and leases to deposits | 66.0066% | 2,934 |
| Net loans and leases to core deposits | 73.7114% | 2,695 |
| Total domestic deposits to total assets | 86.9700% | 2,277 |
| Equity capital to assets | 7.9030% | 3,312 |
| Core capital (leverage) ratio | 10.7124% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2086% | 1,328 |
| Memoranda: | ||
| Average total assets | $2,139,748,500 | 533 |
| Average earning assets | $1,991,692,000 | 523 |
| Average equity | $162,676,500 | 637 |
| Average total loans | $1,238,011,000 | 609 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 1,641 |
| Cost of funding earning assets | 0.6592% | 692 |
| Net interest margin | 3.3703% | 2,345 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.0174% | 3,539 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.7506% | 489 |
| Return on assets (ROA) | 1.7506% | 464 |
| Pretax return on assets | 1.7506% | 814 |
| Return on Equity (ROE) | 22.6000% | 299 |
| Retained earnings to average equity (ytd only) | 9.9820% | 1,159 |
| Net charge-offs to loans | -0.0278% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.9934% | 3,886 |
| Assets per employee ($millions) | 8.7255% | 1,006 |
| Cash dividends to net income (ytd only)* | 55.8406% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 1,365 |
| Loan loss allowance to noncurrent loans | 2,653.5821% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 3,497 |
| Noncurrent loans to loans | 0.0543% | 3,365 |
| Net loans and leases to total assets | 56.6500% | 2,951 |
| Net loans and leases to deposits | 66.2943% | 2,875 |
| Net loans and leases to core deposits | 73.1860% | 2,632 |
| Total domestic deposits to total assets | 85.4500% | 2,875 |
| Equity capital to assets | 7.3041% | 3,486 |
| Core capital (leverage) ratio | 10.6246% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0295% | 1,365 |
| Memoranda: | ||
| Average total assets | $2,081,732,000 | 526 |
| Average earning assets | $1,941,259,400 | 516 |
| Average equity | $161,220,200 | 640 |
| Average total loans | $1,165,835,200 | 595 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 1,654 |
| Cost of funding earning assets | 0.4543% | 958 |
| Net interest margin | 3.3788% | 2,039 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.0122% | 3,452 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.8248% | 406 |
| Return on assets (ROA) | 1.8248% | 397 |
| Pretax return on assets | 1.8248% | 693 |
| Return on Equity (ROE) | 23.2200% | 247 |
| Retained earnings to average equity (ytd only) | 6.5051% | 2,550 |
| Net charge-offs to loans | -0.0946% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.9045% | 4,018 |
| Assets per employee ($millions) | 8.4805% | 1,076 |
| Cash dividends to net income (ytd only)* | 71.9844% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,263 |
| Loan loss allowance to noncurrent loans | 1,190.6885% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,169 |
| Noncurrent loans to loans | 0.1269% | 3,001 |
| Net loans and leases to total assets | 56.2900% | 2,875 |
| Net loans and leases to deposits | 63.4528% | 2,903 |
| Net loans and leases to core deposits | 69.4646% | 2,681 |
| Total domestic deposits to total assets | 88.7100% | 2,209 |
| Equity capital to assets | 6.6303% | 3,687 |
| Core capital (leverage) ratio | 10.3408% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1944% | 1,370 |
| Memoranda: | ||
| Average total assets | $2,065,548,250 | 528 |
| Average earning assets | $1,929,776,250 | 521 |
| Average equity | $162,330,250 | 642 |
| Average total loans | $1,148,849,250 | 597 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6074% | 1,824 |
| Cost of funding earning assets | 0.2969% | 1,739 |
| Net interest margin | 3.3105% | 1,877 |
| Noninterest income to average assets | 0.7356% | 1,214 |
| Noninterest expense to average assets | 2.0136% | 3,397 |
| Loan and lease loss provision to assets | 0.0219% | 2,206 |
| Net operating income to assets | 1.7997% | 335 |
| Return on assets (ROA) | 1.7997% | 329 |
| Pretax return on assets | 1.7997% | 598 |
| Return on Equity (ROE) | 21.7394% | 205 |
| Retained earnings to average equity (ytd only) | 5.0883% | 2,679 |
| Net charge-offs to loans | -0.1669% | 4,557 |
| Credit loss provision to net charge-offs | -23.8347% | 2,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2670% | 4,107 |
| Assets per employee ($millions) | 8.4901% | 1,069 |
| Cash dividends to net income (ytd only)* | 76.5941% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,286 |
| Loan loss allowance to noncurrent loans | 515.7208% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 2,524 |
| Noncurrent loans to loans | 0.2997% | 2,266 |
| Net loans and leases to total assets | 55.2124% | 2,832 |
| Net loans and leases to deposits | 62.8524% | 2,822 |
| Net loans and leases to core deposits | 70.0528% | 2,486 |
| Total domestic deposits to total assets | 87.8445% | 2,636 |
| Equity capital to assets | 8.0061% | 3,122 |
| Core capital (leverage) ratio | 10.4082% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6262% | 1,276 |
| Memoranda: | ||
| Average total assets | $2,053,009,000 | 535 |
| Average earning assets | $1,922,258,333 | 526 |
| Average equity | $169,958,333 | 624 |
| Average total loans | $1,131,144,000 | 596 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4920% | 1,838 |
| Cost of funding earning assets | 0.2297% | 2,402 |
| Net interest margin | 3.2623% | 1,676 |
| Noninterest income to average assets | 0.8660% | 898 |
| Noninterest expense to average assets | 1.9937% | 3,436 |
| Loan and lease loss provision to assets | 0.0223% | 1,954 |
| Net operating income to assets | 1.9017% | 270 |
| Return on assets (ROA) | 1.9017% | 270 |
| Pretax return on assets | 1.9017% | 446 |
| Return on Equity (ROE) | 22.5882% | 138 |
| Retained earnings to average equity (ytd only) | 9.6636% | 1,107 |
| Net charge-offs to loans | 0.0170% | 1,194 |
| Credit loss provision to net charge-offs | 240.4255% | 729 |
| Earnings coverage of net charge-offs (x) | 207.8511% | 421 |
| Efficiency ratio | 50.6435% | 4,281 |
| Assets per employee ($millions) | 8.5631% | 1,077 |
| Cash dividends to net income (ytd only)* | 57.2183% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,413 |
| Loan loss allowance to noncurrent loans | 1,059.6524% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,284 |
| Noncurrent loans to loans | 0.1458% | 3,077 |
| Net loans and leases to total assets | 52.9484% | 2,885 |
| Net loans and leases to deposits | 58.1329% | 3,064 |
| Net loans and leases to core deposits | 65.3538% | 2,687 |
| Total domestic deposits to total assets | 91.0816% | 995 |
| Equity capital to assets | 7.4353% | 3,974 |
| Core capital (leverage) ratio | 8.8564% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8586% | 1,854 |
| Memoranda: | ||
| Average total assets | $2,030,990,000 | 547 |
| Average earning assets | $1,899,907,000 | 537 |
| Average equity | $170,992,000 | 637 |
| Average total loans | $1,108,714,000 | 598 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 333 |
| Cost of funding earning assets | 0.2861% | 2,541 |
| Net interest margin | 4.5647% | 237 |
| Noninterest income to average assets | 0.7046% | 1,756 |
| Noninterest expense to average assets | 2.2156% | 3,027 |
| Loan and lease loss provision to assets | 0.0345% | 2,366 |
| Net operating income to assets | 2.7053% | 130 |
| Return on assets (ROA) | 2.6931% | 134 |
| Pretax return on assets | 2.6931% | 203 |
| Return on Equity (ROE) | 26.0990% | 106 |
| Retained earnings to average equity (ytd only) | 4.4125% | 3,049 |
| Net charge-offs to loans | -0.0701% | 4,461 |
| Credit loss provision to net charge-offs | -77.8210% | 3,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5562% | 4,553 |
| Assets per employee ($millions) | 8.3271% | 1,157 |
| Cash dividends to net income (ytd only)* | 83.0930% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 1,457 |
| Loan loss allowance to noncurrent loans | 358.4528% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,375 |
| Noncurrent loans to loans | 0.4265% | 2,070 |
| Net loans and leases to total assets | 54.5728% | 2,781 |
| Net loans and leases to deposits | 60.6550% | 3,019 |
| Net loans and leases to core deposits | 68.5569% | 2,600 |
| Total domestic deposits to total assets | 89.9724% | 975 |
| Equity capital to assets | 9.4267% | 3,204 |
| Core capital (leverage) ratio | 9.3275% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8208% | 1,918 |
| Memoranda: | ||
| Average total assets | $1,740,997,000 | 601 |
| Average earning assets | $1,621,260,400 | 594 |
| Average equity | $179,647,000 | 603 |
| Average total loans | $1,099,905,800 | 601 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2342% | 211 |
| Cost of funding earning assets | 0.3174% | 2,433 |
| Net interest margin | 4.9168% | 173 |
| Noninterest income to average assets | 0.7234% | 1,756 |
| Noninterest expense to average assets | 2.2074% | 3,046 |
| Loan and lease loss provision to assets | 0.0358% | 2,285 |
| Net operating income to assets | 3.0576% | 119 |
| Return on assets (ROA) | 3.0576% | 121 |
| Pretax return on assets | 3.0576% | 168 |
| Return on Equity (ROE) | 28.8835% | 106 |
| Retained earnings to average equity (ytd only) | -0.4197% | 4,607 |
| Net charge-offs to loans | 0.0013% | 2,374 |
| Credit loss provision to net charge-offs | 4,090.9091% | 192 |
| Earnings coverage of net charge-offs (x) | 3,531.9091% | 36 |
| Efficiency ratio | 41.5177% | 4,674 |
| Assets per employee ($millions) | 7.7432% | 1,418 |
| Cash dividends to net income (ytd only)* | 101.4531% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 1,775 |
| Loan loss allowance to noncurrent loans | 648.3663% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 3,226 |
| Noncurrent loans to loans | 0.2253% | 3,044 |
| Net loans and leases to total assets | 58.0933% | 2,480 |
| Net loans and leases to deposits | 65.0162% | 2,733 |
| Net loans and leases to core deposits | 73.8400% | 2,256 |
| Total domestic deposits to total assets | 89.3520% | 1,096 |
| Equity capital to assets | 9.9817% | 2,924 |
| Core capital (leverage) ratio | 9.3925% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7703% | 2,057 |
| Memoranda: | ||
| Average total assets | $1,674,537,500 | 629 |
| Average earning assets | $1,558,934,500 | 620 |
| Average equity | $177,264,250 | 620 |
| Average total loans | $1,096,834,500 | 617 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 1,200 |
| Cost of funding earning assets | 0.3445% | 2,367 |
| Net interest margin | 3.8497% | 1,068 |
| Noninterest income to average assets | 0.7402% | 1,688 |
| Noninterest expense to average assets | 2.2542% | 2,905 |
| Loan and lease loss provision to assets | 0.0373% | 2,242 |
| Net operating income to assets | 2.0291% | 466 |
| Return on assets (ROA) | 2.0291% | 490 |
| Pretax return on assets | 2.0291% | 794 |
| Return on Equity (ROE) | 18.7544% | 566 |
| Retained earnings to average equity (ytd only) | 4.4657% | 3,371 |
| Net charge-offs to loans | -0.0055% | 3,463 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0305% | 4,041 |
| Assets per employee ($millions) | 7.3449% | 1,569 |
| Cash dividends to net income (ytd only)* | 76.1887% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 1,821 |
| Loan loss allowance to noncurrent loans | 1,252.0784% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 3,687 |
| Noncurrent loans to loans | 0.1148% | 3,617 |
| Net loans and leases to total assets | 66.8180% | 1,603 |
| Net loans and leases to deposits | 77.3028% | 1,699 |
| Net loans and leases to core deposits | 86.6924% | 1,370 |
| Total domestic deposits to total assets | 86.4367% | 2,577 |
| Equity capital to assets | 10.6571% | 2,264 |
| Core capital (leverage) ratio | 10.0505% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5787% | 1,776 |
| Memoranda: | ||
| Average total assets | $1,610,678,667 | 643 |
| Average earning assets | $1,497,968,333 | 634 |
| Average equity | $174,262,667 | 626 |
| Average total loans | $1,095,726,000 | 617 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2604% | 1,102 |
| Cost of funding earning assets | 0.3634% | 2,417 |
| Net interest margin | 3.8970% | 990 |
| Noninterest income to average assets | 0.7063% | 1,854 |
| Noninterest expense to average assets | 2.2143% | 3,062 |
| Loan and lease loss provision to assets | 0.0376% | 2,274 |
| Net operating income to assets | 2.0693% | 522 |
| Return on assets (ROA) | 2.0693% | 559 |
| Pretax return on assets | 2.0693% | 847 |
| Return on Equity (ROE) | 18.9803% | 625 |
| Retained earnings to average equity (ytd only) | 7.6087% | 2,378 |
| Net charge-offs to loans | -0.0074% | 3,542 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0984% | 4,083 |
| Assets per employee ($millions) | 7.4186% | 1,502 |
| Cash dividends to net income (ytd only)* | 59.9129% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,779 |
| Loan loss allowance to noncurrent loans | 1,103.7011% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 3,752 |
| Noncurrent loans to loans | 0.1314% | 3,657 |
| Net loans and leases to total assets | 66.1294% | 1,789 |
| Net loans and leases to deposits | 74.6259% | 2,055 |
| Net loans and leases to core deposits | 83.8786% | 1,689 |
| Total domestic deposits to total assets | 88.6145% | 1,549 |
| Equity capital to assets | 10.7577% | 2,033 |
| Core capital (leverage) ratio | 10.3242% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5583% | 1,722 |
| Memoranda: | ||
| Average total assets | $1,597,062,000 | 639 |
| Average earning assets | $1,481,465,500 | 636 |
| Average equity | $174,117,000 | 619 |
| Average total loans | $1,088,397,000 | 619 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 926 |
| Cost of funding earning assets | 0.6026% | 2,282 |
| Net interest margin | 4.0806% | 822 |
| Noninterest income to average assets | 0.7730% | 1,619 |
| Noninterest expense to average assets | 2.3777% | 3,183 |
| Loan and lease loss provision to assets | 0.1192% | 2,875 |
| Net operating income to assets | 2.0551% | 236 |
| Return on assets (ROA) | 2.0551% | 255 |
| Pretax return on assets | 2.0551% | 408 |
| Return on Equity (ROE) | 18.7035% | 293 |
| Retained earnings to average equity (ytd only) | 8.9289% | 784 |
| Net charge-offs to loans | 0.0164% | 2,769 |
| Credit loss provision to net charge-offs | 1,017.2414% | 773 |
| Earnings coverage of net charge-offs (x) | 185.5747% | 496 |
| Efficiency ratio | 52.0510% | 4,378 |
| Assets per employee ($millions) | 7.1665% | 1,465 |
| Cash dividends to net income (ytd only)* | 52.2608% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 68.2384% | 1,794 |
| Net loans and leases to deposits | 77.3507% | 2,140 |
| Net loans and leases to core deposits | 89.4753% | 1,569 |
| Total domestic deposits to total assets | 88.2195% | 1,368 |
| Equity capital to assets | 11.0521% | 2,206 |
| Core capital (leverage) ratio | 10.3785% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2389% | 1,767 |
| Memoranda: | ||
| Average total assets | $1,485,080,800 | 622 |
| Average earning assets | $1,375,307,200 | 612 |
| Average equity | $163,178,000 | 626 |
| Average total loans | $1,060,011,600 | 603 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 1,037 |
| Cost of funding earning assets | 0.6608% | 2,262 |
| Net interest margin | 4.0508% | 1,006 |
| Noninterest income to average assets | 0.7198% | 1,740 |
| Noninterest expense to average assets | 2.3950% | 3,147 |
| Loan and lease loss provision to assets | 0.0287% | 3,974 |
| Net operating income to assets | 2.0544% | 264 |
| Return on assets (ROA) | 2.0544% | 289 |
| Pretax return on assets | 2.0544% | 466 |
| Return on Equity (ROE) | 18.7267% | 311 |
| Retained earnings to average equity (ytd only) | 5.4857% | 2,330 |
| Net charge-offs to loans | 0.0176% | 2,512 |
| Credit loss provision to net charge-offs | 226.6187% | 2,008 |
| Earnings coverage of net charge-offs (x) | 164.5540% | 565 |
| Efficiency ratio | 53.2805% | 4,225 |
| Assets per employee ($millions) | 7.0365% | 1,472 |
| Cash dividends to net income (ytd only)* | 70.7066% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.3649% | 1,447 |
| Net loans and leases to deposits | 86.8989% | 1,602 |
| Net loans and leases to core deposits | 100.6643% | 1,119 |
| Total domestic deposits to total assets | 84.4257% | 2,665 |
| Equity capital to assets | 10.8681% | 2,502 |
| Core capital (leverage) ratio | 10.0093% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5861% | 1,967 |
| Memoranda: | ||
| Average total assets | $1,463,986,750 | 611 |
| Average earning assets | $1,358,256,000 | 605 |
| Average equity | $160,608,000 | 627 |
| Average total loans | $1,053,363,000 | 599 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 1,171 |
| Cost of funding earning assets | 0.7393% | 2,181 |
| Net interest margin | 4.0607% | 1,194 |
| Noninterest income to average assets | 0.6654% | 1,878 |
| Noninterest expense to average assets | 2.4147% | 3,218 |
| Loan and lease loss provision to assets | 0.0291% | 3,889 |
| Net operating income to assets | 1.9852% | 346 |
| Return on assets (ROA) | 1.9852% | 381 |
| Pretax return on assets | 1.9852% | 563 |
| Return on Equity (ROE) | 18.0359% | 363 |
| Retained earnings to average equity (ytd only) | 3.1141% | 3,336 |
| Net charge-offs to loans | -0.0033% | 3,903 |
| Credit loss provision to net charge-offs | -1,235.2941% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3389% | 4,139 |
| Assets per employee ($millions) | 7.1838% | 1,342 |
| Cash dividends to net income (ytd only)* | 82.7341% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 2,178 |
| Loan loss allowance to noncurrent loans | 484.3463% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,581 |
| Noncurrent loans to loans | 0.2610% | 3,448 |
| Net loans and leases to total assets | 71.7848% | 1,753 |
| Net loans and leases to deposits | 83.5685% | 2,037 |
| Net loans and leases to core deposits | 97.6624% | 1,438 |
| Total domestic deposits to total assets | 85.8994% | 2,060 |
| Equity capital to assets | 10.4577% | 2,781 |
| Core capital (leverage) ratio | 9.7612% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3115% | 2,067 |
| Memoranda: | ||
| Average total assets | $1,443,007,667 | 609 |
| Average earning assets | $1,337,409,333 | 597 |
| Average equity | $158,828,000 | 632 |
| Average total loans | $1,026,337,333 | 604 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9188% | 1,149 |
| Cost of funding earning assets | 0.9140% | 1,796 |
| Net interest margin | 4.0048% | 1,381 |
| Noninterest income to average assets | 0.6066% | 2,014 |
| Noninterest expense to average assets | 2.4689% | 3,362 |
| Loan and lease loss provision to assets | 0.0302% | 3,399 |
| Net operating income to assets | 1.8118% | 404 |
| Return on assets (ROA) | 1.8118% | 446 |
| Pretax return on assets | 1.8118% | 680 |
| Return on Equity (ROE) | 16.0147% | 421 |
| Retained earnings to average equity (ytd only) | 4.5574% | 2,479 |
| Net charge-offs to loans | 0.0070% | 2,322 |
| Credit loss provision to net charge-offs | 617.6471% | 780 |
| Earnings coverage of net charge-offs (x) | 376.1765% | 181 |
| Efficiency ratio | 57.0760% | 4,106 |
| Assets per employee ($millions) | 6.6069% | 1,291 |
| Cash dividends to net income (ytd only)* | 71.5421% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 1,551 |
| Loan loss allowance to noncurrent loans | 700.6448% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 3,929 |
| Noncurrent loans to loans | 0.2055% | 3,747 |
| Net loans and leases to total assets | 68.7191% | 2,431 |
| Net loans and leases to deposits | 80.0441% | 2,674 |
| Net loans and leases to core deposits | 95.3754% | 1,853 |
| Total domestic deposits to total assets | 85.8515% | 2,058 |
| Equity capital to assets | 11.3067% | 2,589 |
| Core capital (leverage) ratio | 10.7406% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5713% | 2,051 |
| Memoranda: | ||
| Average total assets | $1,388,660,000 | 608 |
| Average earning assets | $1,284,447,000 | 599 |
| Average equity | $157,105,500 | 633 |
| Average total loans | $975,430,500 | 612 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 1,082 |
| Cost of funding earning assets | 1.0840% | 1,391 |
| Net interest margin | 4.0773% | 1,600 |
| Noninterest income to average assets | 0.6690% | 1,925 |
| Noninterest expense to average assets | 2.4246% | 3,623 |
| Loan and lease loss provision to assets | 0.0445% | 3,119 |
| Net operating income to assets | 1.9682% | 385 |
| Return on assets (ROA) | 1.9708% | 397 |
| Pretax return on assets | 1.9708% | 638 |
| Return on Equity (ROE) | 18.3699% | 312 |
| Retained earnings to average equity (ytd only) | 9.3007% | 637 |
| Net charge-offs to loans | 0.0116% | 3,274 |
| Credit loss provision to net charge-offs | 545.4545% | 544 |
| Earnings coverage of net charge-offs (x) | 246.8182% | 335 |
| Efficiency ratio | 54.4464% | 4,383 |
| Assets per employee ($millions) | 6.3723% | 1,371 |
| Cash dividends to net income (ytd only)* | 49.3699% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 1,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 69.7519% | 2,440 |
| Net loans and leases to deposits | 81.6302% | 2,599 |
| Net loans and leases to core deposits | 96.3917% | 1,868 |
| Total domestic deposits to total assets | 85.4485% | 2,320 |
| Equity capital to assets | 11.3204% | 2,686 |
| Core capital (leverage) ratio | 10.7233% | 2,742 |
| Tier 1 risk-based capital ratio | 13.4081% | 3,576 |
| Total risk-based capital ratio | 14.6586% | 3,454 |
| Memoranda: | ||
| Average total assets | $1,348,952,000 | 601 |
| Average earning assets | $1,246,713,800 | 595 |
| Average equity | $144,720,200 | 648 |
| Average total loans | $948,407,400 | 605 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1687% | 1,110 |
| Cost of funding earning assets | 1.1031% | 1,339 |
| Net interest margin | 4.0656% | 1,714 |
| Noninterest income to average assets | 0.6650% | 1,930 |
| Noninterest expense to average assets | 2.3936% | 3,704 |
| Loan and lease loss provision to assets | 0.0447% | 3,017 |
| Net operating income to assets | 1.9860% | 406 |
| Return on assets (ROA) | 1.9895% | 421 |
| Pretax return on assets | 1.9895% | 703 |
| Return on Equity (ROE) | 18.8090% | 329 |
| Retained earnings to average equity (ytd only) | 6.4964% | 2,121 |
| Net charge-offs to loans | 0.0109% | 2,977 |
| Credit loss provision to net charge-offs | 584.4156% | 555 |
| Earnings coverage of net charge-offs (x) | 265.7898% | 348 |
| Efficiency ratio | 53.9036% | 4,409 |
| Assets per employee ($millions) | 6.4995% | 1,272 |
| Cash dividends to net income (ytd only)* | 65.4613% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,447 |
| Loan loss allowance to noncurrent loans | 15,819.3182% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,737 |
| Noncurrent loans to loans | 0.0091% | 4,643 |
| Net loans and leases to total assets | 70.4708% | 2,402 |
| Net loans and leases to deposits | 89.2168% | 1,786 |
| Net loans and leases to core deposits | 102.1712% | 1,484 |
| Total domestic deposits to total assets | 78.9883% | 4,189 |
| Equity capital to assets | 10.9337% | 3,157 |
| Core capital (leverage) ratio | 10.2804% | 3,324 |
| Tier 1 risk-based capital ratio | 12.7721% | 3,973 |
| Total risk-based capital ratio | 14.0225% | 3,867 |
| Memoranda: | ||
| Average total assets | $1,343,679,750 | 604 |
| Average earning assets | $1,242,412,250 | 598 |
| Average equity | $142,126,750 | 651 |
| Average total loans | $943,092,500 | 606 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1185% | 1,179 |
| Cost of funding earning assets | 1.0868% | 1,349 |
| Net interest margin | 4.0316% | 1,826 |
| Noninterest income to average assets | 0.6555% | 1,892 |
| Noninterest expense to average assets | 2.4049% | 3,723 |
| Loan and lease loss provision to assets | 0.0448% | 2,926 |
| Net operating income to assets | 1.9304% | 443 |
| Return on assets (ROA) | 1.9357% | 465 |
| Pretax return on assets | 1.9357% | 775 |
| Return on Equity (ROE) | 18.5107% | 352 |
| Retained earnings to average equity (ytd only) | 4.4030% | 3,064 |
| Net charge-offs to loans | 0.0041% | 3,022 |
| Credit loss provision to net charge-offs | 1,578.9474% | 232 |
| Earnings coverage of net charge-offs (x) | 695.8947% | 113 |
| Efficiency ratio | 54.7067% | 4,388 |
| Assets per employee ($millions) | 6.5082% | 1,232 |
| Cash dividends to net income (ytd only)* | 76.2136% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,419 |
| Loan loss allowance to noncurrent loans | 3,527.8061% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 4,628 |
| Noncurrent loans to loans | 0.0411% | 4,503 |
| Net loans and leases to total assets | 69.4332% | 2,610 |
| Net loans and leases to deposits | 87.6706% | 2,045 |
| Net loans and leases to core deposits | 100.1699% | 1,708 |
| Total domestic deposits to total assets | 79.1978% | 4,185 |
| Equity capital to assets | 10.6544% | 3,381 |
| Core capital (leverage) ratio | 10.0547% | 3,531 |
| Tier 1 risk-based capital ratio | 12.5583% | 4,097 |
| Total risk-based capital ratio | 13.8087% | 3,990 |
| Memoranda: | ||
| Average total assets | $1,338,772,330 | 606 |
| Average earning assets | $1,236,819,670 | 597 |
| Average equity | $139,994,330 | 656 |
| Average total loans | $933,724,000 | 614 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0640% | 1,183 |
| Cost of funding earning assets | 1.0381% | 1,417 |
| Net interest margin | 4.0259% | 1,777 |
| Noninterest income to average assets | 0.5802% | 2,139 |
| Noninterest expense to average assets | 2.3859% | 3,805 |
| Loan and lease loss provision to assets | 0.0451% | 2,745 |
| Net operating income to assets | 1.8661% | 492 |
| Return on assets (ROA) | 1.8661% | 508 |
| Pretax return on assets | 1.8661% | 852 |
| Return on Equity (ROE) | 18.0190% | 397 |
| Retained earnings to average equity (ytd only) | 8.6628% | 1,429 |
| Net charge-offs to loans | 0.0048% | 2,538 |
| Credit loss provision to net charge-offs | 1,363.6364% | 282 |
| Earnings coverage of net charge-offs (x) | 578.2727% | 127 |
| Efficiency ratio | 55.3209% | 4,407 |
| Assets per employee ($millions) | 6.4753% | 1,253 |
| Cash dividends to net income (ytd only)* | 51.9240% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 1,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 68.0250% | 2,752 |
| Net loans and leases to deposits | 81.3100% | 2,691 |
| Net loans and leases to core deposits | 93.1620% | 2,197 |
| Total domestic deposits to total assets | 83.6613% | 3,167 |
| Equity capital to assets | 10.4842% | 3,357 |
| Core capital (leverage) ratio | 10.1561% | 3,434 |
| Tier 1 risk-based capital ratio | 12.6614% | 4,061 |
| Total risk-based capital ratio | 13.9118% | 3,950 |
| Memoranda: | ||
| Average total assets | $1,331,305,000 | 613 |
| Average earning assets | $1,229,137,000 | 604 |
| Average equity | $137,877,000 | 665 |
| Average total loans | $923,710,500 | 626 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 1,532 |
| Cost of funding earning assets | 0.8370% | 1,354 |
| Net interest margin | 3.9712% | 2,087 |
| Noninterest income to average assets | 0.6475% | 2,054 |
| Noninterest expense to average assets | 2.4865% | 3,646 |
| Loan and lease loss provision to assets | 0.0703% | 2,731 |
| Net operating income to assets | 1.7445% | 625 |
| Return on assets (ROA) | 1.7445% | 619 |
| Pretax return on assets | 1.7445% | 1,058 |
| Return on Equity (ROE) | 17.4542% | 442 |
| Retained earnings to average equity (ytd only) | 7.7231% | 1,364 |
| Net charge-offs to loans | -0.0232% | 4,733 |
| Credit loss provision to net charge-offs | -443.3498% | 4,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5955% | 4,203 |
| Assets per employee ($millions) | 6.3563% | 1,293 |
| Cash dividends to net income (ytd only)* | 55.7522% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 1,366 |
| Loan loss allowance to noncurrent loans | 2,352.0833% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 4,630 |
| Noncurrent loans to loans | 0.0628% | 4,470 |
| Net loans and leases to total assets | 68.7049% | 2,773 |
| Net loans and leases to deposits | 81.5796% | 2,786 |
| Net loans and leases to core deposits | 91.4077% | 2,460 |
| Total domestic deposits to total assets | 84.2182% | 2,929 |
| Equity capital to assets | 10.2259% | 3,446 |
| Core capital (leverage) ratio | 10.1273% | 3,423 |
| Tier 1 risk-based capital ratio | 12.7737% | 3,977 |
| Total risk-based capital ratio | 14.0245% | 3,858 |
| Memoranda: | ||
| Average total assets | $1,279,596,600 | 615 |
| Average earning assets | $1,177,293,800 | 607 |
| Average equity | $127,889,000 | 676 |
| Average total loans | $874,832,000 | 635 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 1,592 |
| Cost of funding earning assets | 0.7926% | 1,377 |
| Net interest margin | 3.9391% | 2,163 |
| Noninterest income to average assets | 0.6341% | 2,146 |
| Noninterest expense to average assets | 2.4756% | 3,666 |
| Loan and lease loss provision to assets | 0.0708% | 2,545 |
| Net operating income to assets | 1.7087% | 730 |
| Return on assets (ROA) | 1.7087% | 735 |
| Pretax return on assets | 1.7087% | 1,261 |
| Return on Equity (ROE) | 17.1996% | 521 |
| Retained earnings to average equity (ytd only) | 4.2653% | 3,636 |
| Net charge-offs to loans | -0.0305% | 4,760 |
| Credit loss provision to net charge-offs | -340.9091% | 4,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9620% | 4,129 |
| Assets per employee ($millions) | 6.2725% | 1,300 |
| Cash dividends to net income (ytd only)* | 75.2012% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,374 |
| Loan loss allowance to noncurrent loans | 1,548.6047% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 4,645 |
| Noncurrent loans to loans | 0.0964% | 4,457 |
| Net loans and leases to total assets | 68.3753% | 2,881 |
| Net loans and leases to deposits | 85.0063% | 2,476 |
| Net loans and leases to core deposits | 95.5471% | 2,157 |
| Total domestic deposits to total assets | 80.4355% | 4,011 |
| Equity capital to assets | 9.8554% | 3,775 |
| Core capital (leverage) ratio | 9.8270% | 3,823 |
| Tier 1 risk-based capital ratio | 12.3735% | 4,267 |
| Total risk-based capital ratio | 13.6242% | 4,164 |
| Memoranda: | ||
| Average total assets | $1,270,557,500 | 618 |
| Average earning assets | $1,167,943,750 | 613 |
| Average equity | $126,224,500 | 680 |
| Average total loans | $864,156,250 | 640 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 1,691 |
| Cost of funding earning assets | 0.7333% | 1,451 |
| Net interest margin | 3.8976% | 2,205 |
| Noninterest income to average assets | 0.6077% | 2,283 |
| Noninterest expense to average assets | 2.4990% | 3,634 |
| Loan and lease loss provision to assets | 0.0711% | 2,467 |
| Net operating income to assets | 1.6203% | 877 |
| Return on assets (ROA) | 1.6203% | 879 |
| Pretax return on assets | 1.6203% | 1,437 |
| Return on Equity (ROE) | 16.2656% | 618 |
| Retained earnings to average equity (ytd only) | 1.9943% | 4,461 |
| Net charge-offs to loans | -0.0091% | 4,291 |
| Credit loss provision to net charge-offs | -1,153.8462% | 4,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4177% | 4,023 |
| Assets per employee ($millions) | 5.6860% | 1,730 |
| Cash dividends to net income (ytd only)* | 87.7390% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,464 |
| Loan loss allowance to noncurrent loans | 1,708.5865% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,721 |
| Noncurrent loans to loans | 0.0865% | 4,523 |
| Net loans and leases to total assets | 67.9814% | 2,872 |
| Net loans and leases to deposits | 84.0615% | 2,530 |
| Net loans and leases to core deposits | 94.6250% | 2,165 |
| Total domestic deposits to total assets | 80.8710% | 4,031 |
| Equity capital to assets | 9.8696% | 3,753 |
| Core capital (leverage) ratio | 9.8125% | 3,775 |
| Tier 1 risk-based capital ratio | 12.3168% | 4,298 |
| Total risk-based capital ratio | 13.5673% | 4,179 |
| Memoranda: | ||
| Average total assets | $1,265,458,330 | 619 |
| Average earning assets | $1,163,226,670 | 619 |
| Average equity | $126,057,330 | 681 |
| Average total loans | $854,700,000 | 642 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 1,718 |
| Cost of funding earning assets | 0.6767% | 1,557 |
| Net interest margin | 3.8722% | 2,145 |
| Noninterest income to average assets | 0.5803% | 2,363 |
| Noninterest expense to average assets | 2.5445% | 3,521 |
| Loan and lease loss provision to assets | 0.0712% | 2,338 |
| Net operating income to assets | 1.5150% | 1,047 |
| Return on assets (ROA) | 1.5150% | 1,046 |
| Pretax return on assets | 1.5150% | 1,647 |
| Return on Equity (ROE) | 15.1383% | 779 |
| Retained earnings to average equity (ytd only) | 1.8749% | 4,394 |
| Net charge-offs to loans | 0.0005% | 2,712 |
| Credit loss provision to net charge-offs | 22,500.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 5,013.0000% | 10 |
| Efficiency ratio | 61.3788% | 3,893 |
| Assets per employee ($millions) | 5.6797% | 1,781 |
| Cash dividends to net income (ytd only)* | 87.6149% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,462 |
| Loan loss allowance to noncurrent loans | 858.3333% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 4,507 |
| Noncurrent loans to loans | 0.1749% | 4,196 |
| Net loans and leases to total assets | 66.2407% | 2,994 |
| Net loans and leases to deposits | 77.5559% | 3,059 |
| Net loans and leases to core deposits | 87.5770% | 2,668 |
| Total domestic deposits to total assets | 85.4102% | 2,787 |
| Equity capital to assets | 9.9760% | 3,621 |
| Core capital (leverage) ratio | 9.7367% | 3,813 |
| Tier 1 risk-based capital ratio | 12.5286% | 4,222 |
| Total risk-based capital ratio | 13.7792% | 4,125 |
| Memoranda: | ||
| Average total assets | $1,264,195,500 | 623 |
| Average earning assets | $1,159,133,500 | 626 |
| Average equity | $126,513,500 | 676 |
| Average total loans | $844,586,500 | 647 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3943% | 2,041 |
| Cost of funding earning assets | 0.5626% | 1,871 |
| Net interest margin | 3.8318% | 2,312 |
| Noninterest income to average assets | 0.6632% | 2,124 |
| Noninterest expense to average assets | 2.5137% | 3,736 |
| Loan and lease loss provision to assets | 0.1547% | 1,458 |
| Net operating income to assets | 1.4993% | 804 |
| Return on assets (ROA) | 1.5063% | 805 |
| Pretax return on assets | 1.5063% | 1,615 |
| Return on Equity (ROE) | 14.5835% | 678 |
| Retained earnings to average equity (ytd only) | -5.6341% | 5,456 |
| Net charge-offs to loans | 0.1760% | 1,412 |
| Credit loss provision to net charge-offs | 133.5207% | 1,976 |
| Earnings coverage of net charge-offs (x) | 14.2769% | 2,340 |
| Efficiency ratio | 60.0863% | 4,252 |
| Assets per employee ($millions) | 5.7871% | 1,668 |
| Cash dividends to net income (ytd only)* | 138.6337% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,499 |
| Loan loss allowance to noncurrent loans | 455.6939% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 4,062 |
| Noncurrent loans to loans | 0.3232% | 3,611 |
| Net loans and leases to total assets | 65.3952% | 3,172 |
| Net loans and leases to deposits | 75.6034% | 3,366 |
| Net loans and leases to core deposits | 86.4418% | 2,881 |
| Total domestic deposits to total assets | 86.4977% | 2,233 |
| Equity capital to assets | 10.0384% | 3,664 |
| Core capital (leverage) ratio | 9.7328% | 3,766 |
| Tier 1 risk-based capital ratio | 12.4610% | 4,230 |
| Total risk-based capital ratio | 13.7113% | 4,132 |
| Memoranda: | ||
| Average total assets | $1,228,329,400 | 617 |
| Average earning assets | $1,123,422,400 | 613 |
| Average equity | $126,869,200 | 650 |
| Average total loans | $808,687,200 | 651 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,173 |
| Cost of funding earning assets | 0.5381% | 1,969 |
| Net interest margin | 3.7928% | 2,433 |
| Noninterest income to average assets | 0.6821% | 2,074 |
| Noninterest expense to average assets | 2.5262% | 3,644 |
| Loan and lease loss provision to assets | 0.0986% | 2,139 |
| Net operating income to assets | 1.5284% | 841 |
| Return on assets (ROA) | 1.5378% | 850 |
| Pretax return on assets | 1.5378% | 1,633 |
| Return on Equity (ROE) | 14.7802% | 684 |
| Retained earnings to average equity (ytd only) | -12.0680% | 5,631 |
| Net charge-offs to loans | -0.0178% | 4,815 |
| Credit loss provision to net charge-offs | -841.1215% | 4,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5940% | 4,118 |
| Assets per employee ($millions) | 5.6739% | 1,751 |
| Cash dividends to net income (ytd only)* | 181.6498% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 1,405 |
| Loan loss allowance to noncurrent loans | 158.6768% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 2,521 |
| Noncurrent loans to loans | 0.9674% | 1,991 |
| Net loans and leases to total assets | 67.2866% | 2,951 |
| Net loans and leases to deposits | 85.6962% | 2,336 |
| Net loans and leases to core deposits | 98.4135% | 1,853 |
| Total domestic deposits to total assets | 78.5176% | 4,625 |
| Equity capital to assets | 10.2195% | 3,677 |
| Core capital (leverage) ratio | 9.6130% | 4,025 |
| Tier 1 risk-based capital ratio | 12.2142% | 4,488 |
| Total risk-based capital ratio | 13.4655% | 4,382 |
| Memoranda: | ||
| Average total assets | $1,217,119,500 | 623 |
| Average earning assets | $1,113,864,750 | 620 |
| Average equity | $126,635,000 | 654 |
| Average total loans | $799,600,000 | 658 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,321 |
| Cost of funding earning assets | 0.4971% | 2,180 |
| Net interest margin | 3.7439% | 2,497 |
| Noninterest income to average assets | 0.6734% | 2,109 |
| Noninterest expense to average assets | 2.5477% | 3,591 |
| Loan and lease loss provision to assets | 0.0991% | 2,031 |
| Net operating income to assets | 1.4500% | 949 |
| Return on assets (ROA) | 1.4500% | 976 |
| Pretax return on assets | 1.4500% | 1,821 |
| Return on Equity (ROE) | 13.8519% | 838 |
| Retained earnings to average equity (ytd only) | -23.6348% | 5,731 |
| Net charge-offs to loans | -0.0298% | 4,953 |
| Credit loss provision to net charge-offs | -512.8205% | 4,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9535% | 3,991 |
| Assets per employee ($millions) | 5.5288% | 1,843 |
| Cash dividends to net income (ytd only)* | 270.6244% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,315 |
| Loan loss allowance to noncurrent loans | 176.1316% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 2,790 |
| Noncurrent loans to loans | 0.8970% | 2,182 |
| Net loans and leases to total assets | 65.2623% | 3,221 |
| Net loans and leases to deposits | 78.6605% | 3,050 |
| Net loans and leases to core deposits | 90.5587% | 2,472 |
| Total domestic deposits to total assets | 82.9671% | 3,580 |
| Equity capital to assets | 10.1599% | 3,722 |
| Core capital (leverage) ratio | 9.5336% | 4,097 |
| Tier 1 risk-based capital ratio | 12.4974% | 4,302 |
| Total risk-based capital ratio | 13.7492% | 4,201 |
| Memoranda: | ||
| Average total assets | $1,210,524,000 | 626 |
| Average earning assets | $1,106,880,330 | 624 |
| Average equity | $126,711,670 | 657 |
| Average total loans | $784,384,330 | 671 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 2,478 |
| Cost of funding earning assets | 0.4626% | 2,404 |
| Net interest margin | 3.6860% | 2,532 |
| Noninterest income to average assets | 0.6609% | 2,134 |
| Noninterest expense to average assets | 2.4947% | 3,829 |
| Loan and lease loss provision to assets | 0.0991% | 1,909 |
| Net operating income to assets | 1.4296% | 938 |
| Return on assets (ROA) | 1.4296% | 964 |
| Pretax return on assets | 1.4296% | 1,768 |
| Return on Equity (ROE) | 13.4600% | 910 |
| Retained earnings to average equity (ytd only) | -47.3681% | 5,818 |
| Net charge-offs to loans | -0.0077% | 4,326 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7659% | 4,186 |
| Assets per employee ($millions) | 5.5477% | 1,839 |
| Cash dividends to net income (ytd only)* | 451.9186% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5943% | 1,401 |
| Loan loss allowance to noncurrent loans | 160.6251% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 2,732 |
| Noncurrent loans to loans | 0.9926% | 2,062 |
| Net loans and leases to total assets | 62.9772% | 3,403 |
| Net loans and leases to deposits | 73.6123% | 3,439 |
| Net loans and leases to core deposits | 85.4186% | 2,773 |
| Total domestic deposits to total assets | 85.5526% | 2,860 |
| Equity capital to assets | 10.1113% | 3,608 |
| Core capital (leverage) ratio | 9.5306% | 4,084 |
| Tier 1 risk-based capital ratio | 12.6814% | 4,275 |
| Total risk-based capital ratio | 13.9329% | 4,178 |
| Memoranda: | ||
| Average total assets | $1,210,382,500 | 633 |
| Average earning assets | $1,104,178,500 | 628 |
| Average equity | $128,559,000 | 642 |
| Average total loans | $775,133,500 | 679 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 2,338 |
| Cost of funding earning assets | 0.3700% | 3,316 |
| Net interest margin | 3.8724% | 2,055 |
| Noninterest income to average assets | 0.7375% | 2,005 |
| Noninterest expense to average assets | 2.5252% | 3,937 |
| Loan and lease loss provision to assets | 0.1034% | 2,317 |
| Net operating income to assets | 1.6432% | 623 |
| Return on assets (ROA) | 1.6432% | 647 |
| Pretax return on assets | 1.6432% | 1,158 |
| Return on Equity (ROE) | 14.1689% | 747 |
| Retained earnings to average equity (ytd only) | 6.6666% | 1,372 |
| Net charge-offs to loans | 0.0172% | 3,728 |
| Credit loss provision to net charge-offs | 923.0769% | 410 |
| Earnings coverage of net charge-offs (x) | 155.9615% | 413 |
| Efficiency ratio | 58.9457% | 4,729 |
| Assets per employee ($millions) | 5.6339% | 1,759 |
| Cash dividends to net income (ytd only)* | 52.9489% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 1,552 |
| Loan loss allowance to noncurrent loans | 146.1651% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 2,695 |
| Noncurrent loans to loans | 1.0500% | 1,978 |
| Net loans and leases to total assets | 63.0993% | 3,471 |
| Net loans and leases to deposits | 78.5066% | 3,044 |
| Net loans and leases to core deposits | 91.1168% | 2,386 |
| Total domestic deposits to total assets | 80.3745% | 4,490 |
| Equity capital to assets | 11.1259% | 2,508 |
| Core capital (leverage) ratio | 10.9807% | 2,361 |
| Tier 1 risk-based capital ratio | 14.3761% | 3,246 |
| Total risk-based capital ratio | 15.6273% | 3,178 |
| Memoranda: | ||
| Average total assets | $1,160,835,800 | 624 |
| Average earning assets | $1,059,475,000 | 622 |
| Average equity | $134,625,600 | 588 |
| Average total loans | $755,759,800 | 663 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 2,293 |
| Cost of funding earning assets | 0.3530% | 3,505 |
| Net interest margin | 3.9092% | 1,944 |
| Noninterest income to average assets | 0.7783% | 1,853 |
| Noninterest expense to average assets | 2.5570% | 3,800 |
| Loan and lease loss provision to assets | 0.1046% | 2,178 |
| Net operating income to assets | 1.6885% | 605 |
| Return on assets (ROA) | 1.6885% | 646 |
| Pretax return on assets | 1.6885% | 1,144 |
| Return on Equity (ROE) | 14.4038% | 755 |
| Retained earnings to average equity (ytd only) | 4.6346% | 3,067 |
| Net charge-offs to loans | 0.0096% | 3,591 |
| Credit loss provision to net charge-offs | 1,666.6667% | 281 |
| Earnings coverage of net charge-offs (x) | 285.6040% | 285 |
| Efficiency ratio | 58.6364% | 4,730 |
| Assets per employee ($millions) | 5.4844% | 1,865 |
| Cash dividends to net income (ytd only)* | 67.8235% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,813 |
| Loan loss allowance to noncurrent loans | 159.1544% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 3,025 |
| Noncurrent loans to loans | 0.9337% | 2,380 |
| Net loans and leases to total assets | 66.3350% | 3,067 |
| Net loans and leases to deposits | 85.7278% | 2,290 |
| Net loans and leases to core deposits | 99.5391% | 1,678 |
| Total domestic deposits to total assets | 77.3787% | 5,018 |
| Equity capital to assets | 11.6717% | 2,379 |
| Core capital (leverage) ratio | 11.0370% | 2,412 |
| Tier 1 risk-based capital ratio | 13.7787% | 3,683 |
| Total risk-based capital ratio | 15.0293% | 3,610 |
| Memoranda: | ||
| Average total assets | $1,146,815,000 | 628 |
| Average earning assets | $1,047,855,750 | 628 |
| Average equity | $134,433,750 | 593 |
| Average total loans | $749,741,000 | 666 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 2,406 |
| Cost of funding earning assets | 0.3372% | 3,727 |
| Net interest margin | 3.8931% | 2,000 |
| Noninterest income to average assets | 0.8340% | 1,602 |
| Noninterest expense to average assets | 2.5905% | 3,753 |
| Loan and lease loss provision to assets | 0.1055% | 2,097 |
| Net operating income to assets | 1.6991% | 582 |
| Return on assets (ROA) | 1.6991% | 614 |
| Pretax return on assets | 1.6991% | 1,092 |
| Return on Equity (ROE) | 14.4734% | 751 |
| Retained earnings to average equity (ytd only) | 3.9182% | 3,406 |
| Net charge-offs to loans | 0.0407% | 2,644 |
| Credit loss provision to net charge-offs | 400.0000% | 772 |
| Earnings coverage of net charge-offs (x) | 68.4467% | 790 |
| Efficiency ratio | 58.8082% | 4,793 |
| Assets per employee ($millions) | 5.2849% | 1,998 |
| Cash dividends to net income (ytd only)* | 72.9285% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,926 |
| Loan loss allowance to noncurrent loans | 96.6034% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 2,077 |
| Noncurrent loans to loans | 1.5355% | 1,405 |
| Net loans and leases to total assets | 66.0240% | 3,080 |
| Net loans and leases to deposits | 84.8568% | 2,366 |
| Net loans and leases to core deposits | 98.3886% | 1,772 |
| Total domestic deposits to total assets | 77.8064% | 5,034 |
| Equity capital to assets | 11.8728% | 2,216 |
| Core capital (leverage) ratio | 10.9693% | 2,463 |
| Tier 1 risk-based capital ratio | 14.0450% | 3,582 |
| Total risk-based capital ratio | 15.2955% | 3,500 |
| Memoranda: | ||
| Average total assets | $1,137,866,000 | 636 |
| Average earning assets | $1,040,823,330 | 630 |
| Average equity | $133,583,000 | 599 |
| Average total loans | $736,223,670 | 678 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 2,289 |
| Cost of funding earning assets | 0.3352% | 3,776 |
| Net interest margin | 3.9191% | 1,885 |
| Noninterest income to average assets | 1.0831% | 921 |
| Noninterest expense to average assets | 2.5728% | 3,834 |
| Loan and lease loss provision to assets | 0.1056% | 1,939 |
| Net operating income to assets | 1.9823% | 344 |
| Return on assets (ROA) | 1.9823% | 363 |
| Pretax return on assets | 1.9823% | 591 |
| Return on Equity (ROE) | 16.9823% | 442 |
| Retained earnings to average equity (ytd only) | 10.6479% | 716 |
| Net charge-offs to loans | 0.0122% | 2,718 |
| Credit loss provision to net charge-offs | 1,363.6364% | 303 |
| Earnings coverage of net charge-offs (x) | 269.5455% | 226 |
| Efficiency ratio | 55.0729% | 5,280 |
| Assets per employee ($millions) | 5.0496% | 2,288 |
| Cash dividends to net income (ytd only)* | 37.3002% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,789 |
| Loan loss allowance to noncurrent loans | 647.8841% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 4,956 |
| Noncurrent loans to loans | 0.2391% | 4,572 |
| Net loans and leases to total assets | 63.6402% | 3,288 |
| Net loans and leases to deposits | 75.7576% | 3,247 |
| Net loans and leases to core deposits | 88.1007% | 2,553 |
| Total domestic deposits to total assets | 84.0050% | 3,517 |
| Equity capital to assets | 12.1201% | 1,943 |
| Core capital (leverage) ratio | 11.0869% | 2,326 |
| Tier 1 risk-based capital ratio | 14.8075% | 3,243 |
| Total risk-based capital ratio | 16.0586% | 3,178 |
| Memoranda: | ||
| Average total assets | $1,136,034,000 | 641 |
| Average earning assets | $1,037,075,500 | 638 |
| Average equity | $132,608,500 | 600 |
| Average total loans | $721,819,500 | 690 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 2,902 |
| Cost of funding earning assets | 0.3185% | 4,053 |
| Net interest margin | 3.7844% | 2,427 |
| Noninterest income to average assets | 0.6609% | 2,397 |
| Noninterest expense to average assets | 2.4845% | 4,274 |
| Loan and lease loss provision to assets | 0.0787% | 2,711 |
| Net operating income to assets | 1.5409% | 796 |
| Return on assets (ROA) | 1.5506% | 807 |
| Pretax return on assets | 1.5506% | 1,407 |
| Return on Equity (ROE) | 14.1325% | 822 |
| Retained earnings to average equity (ytd only) | 6.8627% | 1,341 |
| Net charge-offs to loans | 0.0719% | 2,806 |
| Credit loss provision to net charge-offs | 176.4706% | 1,537 |
| Earnings coverage of net charge-offs (x) | 36.3294% | 1,270 |
| Efficiency ratio | 60.3940% | 4,858 |
| Assets per employee ($millions) | 5.2551% | 2,052 |
| Cash dividends to net income (ytd only)* | 51.4403% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,958 |
| Loan loss allowance to noncurrent loans | 798.3883% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 4,920 |
| Noncurrent loans to loans | 0.1890% | 4,728 |
| Net loans and leases to total assets | 61.5311% | 3,622 |
| Net loans and leases to deposits | 74.6167% | 3,421 |
| Net loans and leases to core deposits | 86.4165% | 2,766 |
| Total domestic deposits to total assets | 82.4629% | 4,032 |
| Equity capital to assets | 11.2413% | 2,602 |
| Core capital (leverage) ratio | 10.6621% | 2,754 |
| Tier 1 risk-based capital ratio | 14.5212% | 3,436 |
| Total risk-based capital ratio | 15.7719% | 3,341 |
| Memoranda: | ||
| Average total assets | $1,143,976,600 | 613 |
| Average earning assets | $1,040,811,800 | 623 |
| Average equity | $125,519,000 | 605 |
| Average total loans | $709,583,000 | 653 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,080 |
| Cost of funding earning assets | 0.3196% | 4,109 |
| Net interest margin | 3.7454% | 2,581 |
| Noninterest income to average assets | 0.6585% | 2,435 |
| Noninterest expense to average assets | 2.4737% | 4,277 |
| Loan and lease loss provision to assets | 0.0789% | 2,597 |
| Net operating income to assets | 1.5238% | 888 |
| Return on assets (ROA) | 1.5368% | 909 |
| Pretax return on assets | 1.5368% | 1,583 |
| Return on Equity (ROE) | 14.0941% | 879 |
| Retained earnings to average equity (ytd only) | 4.3147% | 3,401 |
| Net charge-offs to loans | 0.0459% | 2,980 |
| Credit loss provision to net charge-offs | 277.7778% | 1,035 |
| Earnings coverage of net charge-offs (x) | 56.4407% | 955 |
| Efficiency ratio | 60.5395% | 4,809 |
| Assets per employee ($millions) | 5.0883% | 2,194 |
| Cash dividends to net income (ytd only)* | 69.3863% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 2,125 |
| Loan loss allowance to noncurrent loans | 226.7828% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 3,779 |
| Noncurrent loans to loans | 0.6651% | 3,335 |
| Net loans and leases to total assets | 62.6760% | 3,509 |
| Net loans and leases to deposits | 81.6599% | 2,686 |
| Net loans and leases to core deposits | 95.4486% | 1,936 |
| Total domestic deposits to total assets | 76.7525% | 5,386 |
| Equity capital to assets | 11.1505% | 2,848 |
| Core capital (leverage) ratio | 10.2613% | 3,297 |
| Tier 1 risk-based capital ratio | 13.8787% | 3,917 |
| Total risk-based capital ratio | 15.1295% | 3,861 |
| Memoranda: | ||
| Average total assets | $1,140,941,750 | 621 |
| Average earning assets | $1,041,188,000 | 624 |
| Average equity | $124,408,250 | 613 |
| Average total loans | $706,411,500 | 658 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0147% | 3,224 |
| Cost of funding earning assets | 0.3199% | 4,157 |
| Net interest margin | 3.6947% | 2,729 |
| Noninterest income to average assets | 0.6317% | 2,574 |
| Noninterest expense to average assets | 2.4783% | 4,306 |
| Loan and lease loss provision to assets | 0.0789% | 2,538 |
| Net operating income to assets | 1.4418% | 1,009 |
| Return on assets (ROA) | 1.4613% | 1,013 |
| Pretax return on assets | 1.4613% | 1,762 |
| Return on Equity (ROE) | 13.5029% | 1,014 |
| Retained earnings to average equity (ytd only) | 3.0588% | 4,097 |
| Net charge-offs to loans | 0.0311% | 3,035 |
| Credit loss provision to net charge-offs | 412.8440% | 730 |
| Earnings coverage of net charge-offs (x) | 79.6147% | 708 |
| Efficiency ratio | 61.8290% | 4,696 |
| Assets per employee ($millions) | 4.8887% | 2,413 |
| Cash dividends to net income (ytd only)* | 77.3474% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 2,163 |
| Loan loss allowance to noncurrent loans | 199.3569% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 3,684 |
| Noncurrent loans to loans | 0.7674% | 3,189 |
| Net loans and leases to total assets | 62.3712% | 3,498 |
| Net loans and leases to deposits | 77.4693% | 3,098 |
| Net loans and leases to core deposits | 90.8414% | 2,259 |
| Total domestic deposits to total assets | 80.5109% | 4,745 |
| Equity capital to assets | 11.0637% | 2,825 |
| Core capital (leverage) ratio | 10.1827% | 3,358 |
| Tier 1 risk-based capital ratio | 13.7448% | 4,067 |
| Total risk-based capital ratio | 14.9956% | 4,007 |
| Memoranda: | ||
| Average total assets | $1,141,329,670 | 620 |
| Average earning assets | $1,040,185,670 | 624 |
| Average equity | $123,514,000 | 617 |
| Average total loans | $700,113,000 | 667 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0052% | 3,214 |
| Cost of funding earning assets | 0.3200% | 4,229 |
| Net interest margin | 3.6852% | 2,678 |
| Noninterest income to average assets | 0.6033% | 2,630 |
| Noninterest expense to average assets | 2.4377% | 4,481 |
| Loan and lease loss provision to assets | 0.0781% | 2,392 |
| Net operating income to assets | 1.4337% | 976 |
| Return on assets (ROA) | 1.4337% | 1,030 |
| Pretax return on assets | 1.4337% | 1,762 |
| Return on Equity (ROE) | 13.3938% | 1,010 |
| Retained earnings to average equity (ytd only) | 5.1240% | 2,985 |
| Net charge-offs to loans | 0.0604% | 2,148 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | 41.4762% | 953 |
| Efficiency ratio | 61.5716% | 4,869 |
| Assets per employee ($millions) | 5.1640% | 2,156 |
| Cash dividends to net income (ytd only)* | 61.7433% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 2,179 |
| Loan loss allowance to noncurrent loans | 215.3160% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 3,916 |
| Noncurrent loans to loans | 0.7259% | 3,443 |
| Net loans and leases to total assets | 59.1878% | 3,772 |
| Net loans and leases to deposits | 68.3592% | 3,921 |
| Net loans and leases to core deposits | 79.4152% | 3,231 |
| Total domestic deposits to total assets | 86.5834% | 2,618 |
| Equity capital to assets | 11.0893% | 2,877 |
| Core capital (leverage) ratio | 9.9852% | 3,618 |
| Tier 1 risk-based capital ratio | 13.9593% | 4,052 |
| Total risk-based capital ratio | 15.2100% | 3,970 |
| Memoranda: | ||
| Average total assets | $1,152,238,500 | 611 |
| Average earning assets | $1,046,244,500 | 612 |
| Average equity | $123,341,000 | 620 |
| Average total loans | $695,618,500 | 668 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,376 |
| Cost of funding earning assets | 0.3549% | 4,202 |
| Net interest margin | 3.7317% | 2,874 |
| Noninterest income to average assets | 0.6273% | 2,700 |
| Noninterest expense to average assets | 2.3215% | 5,055 |
| Loan and lease loss provision to assets | 0.1036% | 2,425 |
| Net operating income to assets | 1.6164% | 687 |
| Return on assets (ROA) | 1.6538% | 659 |
| Pretax return on assets | 1.6538% | 1,091 |
| Return on Equity (ROE) | 16.7600% | 520 |
| Retained earnings to average equity (ytd only) | 7.0438% | 1,387 |
| Net charge-offs to loans | 0.0039% | 4,873 |
| Credit loss provision to net charge-offs | 4,615.3846% | 66 |
| Earnings coverage of net charge-offs (x) | 765.9231% | 56 |
| Efficiency ratio | 57.2973% | 5,532 |
| Assets per employee ($millions) | 5.4839% | 1,784 |
| Cash dividends to net income (ytd only)* | 57.9725% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 2,576 |
| Loan loss allowance to noncurrent loans | 375.8226% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 4,745 |
| Noncurrent loans to loans | 0.3931% | 4,468 |
| Net loans and leases to total assets | 59.7103% | 3,825 |
| Net loans and leases to deposits | 71.5109% | 3,736 |
| Net loans and leases to core deposits | 82.5860% | 3,040 |
| Total domestic deposits to total assets | 83.4982% | 3,914 |
| Equity capital to assets | 10.3336% | 3,684 |
| Core capital (leverage) ratio | 9.4938% | 4,248 |
| Tier 1 risk-based capital ratio | 13.6252% | 4,339 |
| Total risk-based capital ratio | 14.8758% | 4,274 |
| Memoranda: | ||
| Average total assets | $1,157,742,800 | 583 |
| Average earning assets | $1,059,288,200 | 578 |
| Average equity | $114,242,400 | 643 |
| Average total loans | $670,850,600 | 648 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,589 |
| Cost of funding earning assets | 0.3623% | 4,214 |
| Net interest margin | 3.6797% | 3,106 |
| Noninterest income to average assets | 0.6297% | 2,688 |
| Noninterest expense to average assets | 2.3013% | 5,100 |
| Loan and lease loss provision to assets | 0.1040% | 2,308 |
| Net operating income to assets | 1.5941% | 764 |
| Return on assets (ROA) | 1.6442% | 705 |
| Pretax return on assets | 1.6442% | 1,198 |
| Return on Equity (ROE) | 16.8646% | 566 |
| Retained earnings to average equity (ytd only) | 5.7523% | 2,568 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3967% | 5,523 |
| Assets per employee ($millions) | 5.5781% | 1,656 |
| Cash dividends to net income (ytd only)* | 65.8912% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 2,954 |
| Loan loss allowance to noncurrent loans | 285.7063% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 4,754 |
| Noncurrent loans to loans | 0.5067% | 4,413 |
| Net loans and leases to total assets | 59.1960% | 3,908 |
| Net loans and leases to deposits | 76.0692% | 3,175 |
| Net loans and leases to core deposits | 91.6688% | 2,062 |
| Total domestic deposits to total assets | 77.8186% | 5,565 |
| Equity capital to assets | 9.9224% | 4,267 |
| Core capital (leverage) ratio | 9.3057% | 4,631 |
| Tier 1 risk-based capital ratio | 13.3633% | 4,631 |
| Total risk-based capital ratio | 14.6135% | 4,564 |
| Memoranda: | ||
| Average total assets | $1,153,788,250 | 583 |
| Average earning assets | $1,056,619,250 | 576 |
| Average equity | $112,485,250 | 650 |
| Average total loans | $660,752,000 | 655 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 3,650 |
| Cost of funding earning assets | 0.3718% | 4,186 |
| Net interest margin | 3.6494% | 3,146 |
| Noninterest income to average assets | 0.6300% | 2,654 |
| Noninterest expense to average assets | 2.3540% | 5,011 |
| Loan and lease loss provision to assets | 0.1047% | 2,274 |
| Net operating income to assets | 1.5132% | 849 |
| Return on assets (ROA) | 1.5887% | 758 |
| Pretax return on assets | 1.5887% | 1,280 |
| Return on Equity (ROE) | 16.3959% | 612 |
| Retained earnings to average equity (ytd only) | 5.4551% | 2,668 |
| Net charge-offs to loans | 0.0040% | 4,244 |
| Credit loss provision to net charge-offs | 4,615.3846% | 78 |
| Earnings coverage of net charge-offs (x) | 713.1538% | 95 |
| Efficiency ratio | 59.1213% | 5,411 |
| Assets per employee ($millions) | 5.3031% | 1,879 |
| Cash dividends to net income (ytd only)* | 66.7289% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 2,993 |
| Loan loss allowance to noncurrent loans | 286.5685% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 4,850 |
| Noncurrent loans to loans | 0.5166% | 4,456 |
| Net loans and leases to total assets | 57.3764% | 4,069 |
| Net loans and leases to deposits | 70.0835% | 3,816 |
| Net loans and leases to core deposits | 82.4159% | 2,922 |
| Total domestic deposits to total assets | 81.8685% | 4,692 |
| Equity capital to assets | 10.0306% | 4,062 |
| Core capital (leverage) ratio | 9.1735% | 4,782 |
| Tier 1 risk-based capital ratio | 13.7049% | 4,446 |
| Total risk-based capital ratio | 14.9553% | 4,395 |
| Memoranda: | ||
| Average total assets | $1,146,061,000 | 586 |
| Average earning assets | $1,049,473,670 | 579 |
| Average equity | $111,052,330 | 651 |
| Average total loans | $645,351,670 | 664 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 3,609 |
| Cost of funding earning assets | 0.3803% | 4,192 |
| Net interest margin | 3.6372% | 3,110 |
| Noninterest income to average assets | 0.5578% | 2,996 |
| Noninterest expense to average assets | 2.3961% | 4,938 |
| Loan and lease loss provision to assets | 0.1049% | 2,173 |
| Net operating income to assets | 1.3846% | 1,021 |
| Return on assets (ROA) | 1.4455% | 936 |
| Pretax return on assets | 1.4455% | 1,593 |
| Return on Equity (ROE) | 15.1859% | 756 |
| Retained earnings to average equity (ytd only) | 1.5910% | 4,975 |
| Net charge-offs to loans | 0.0063% | 3,529 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 425.9000% | 104 |
| Efficiency ratio | 61.5122% | 5,198 |
| Assets per employee ($millions) | 5.3927% | 1,812 |
| Cash dividends to net income (ytd only)* | 89.5233% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 3,077 |
| Loan loss allowance to noncurrent loans | 298.2337% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 5,053 |
| Noncurrent loans to loans | 0.5085% | 4,643 |
| Net loans and leases to total assets | 54.4141% | 4,366 |
| Net loans and leases to deposits | 62.4295% | 4,503 |
| Net loans and leases to core deposits | 73.0491% | 3,759 |
| Total domestic deposits to total assets | 87.1609% | 2,724 |
| Equity capital to assets | 9.5774% | 4,392 |
| Core capital (leverage) ratio | 9.0594% | 4,922 |
| Tier 1 risk-based capital ratio | 13.8455% | 4,439 |
| Total risk-based capital ratio | 15.0960% | 4,387 |
| Memoranda: | ||
| Average total assets | $1,143,705,500 | 590 |
| Average earning assets | $1,046,423,500 | 586 |
| Average equity | $108,864,000 | 667 |
| Average total loans | $632,931,500 | 677 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8943% | 4,482 |
| Cost of funding earning assets | 0.4206% | 4,428 |
| Net interest margin | 3.4737% | 4,010 |
| Noninterest income to average assets | 0.6969% | 2,559 |
| Noninterest expense to average assets | 2.3124% | 5,341 |
| Loan and lease loss provision to assets | 0.1061% | 3,022 |
| Net operating income to assets | 1.4461% | 925 |
| Return on assets (ROA) | 1.4498% | 957 |
| Pretax return on assets | 1.4498% | 1,616 |
| Return on Equity (ROE) | 15.1770% | 732 |
| Retained earnings to average equity (ytd only) | 6.6641% | 1,591 |
| Net charge-offs to loans | 0.0417% | 4,635 |
| Credit loss provision to net charge-offs | 468.7500% | 491 |
| Earnings coverage of net charge-offs (x) | 68.5977% | 614 |
| Efficiency ratio | 59.5398% | 5,534 |
| Assets per employee ($millions) | 5.2478% | 1,906 |
| Cash dividends to net income (ytd only)* | 56.0907% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 3,291 |
| Loan loss allowance to noncurrent loans | 202.1221% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 4,757 |
| Noncurrent loans to loans | 0.7316% | 4,129 |
| Net loans and leases to total assets | 54.6100% | 4,517 |
| Net loans and leases to deposits | 61.9560% | 4,730 |
| Net loans and leases to core deposits | 74.1857% | 3,821 |
| Total domestic deposits to total assets | 88.1433% | 2,095 |
| Equity capital to assets | 9.4591% | 4,487 |
| Core capital (leverage) ratio | 9.1919% | 4,733 |
| Tier 1 risk-based capital ratio | 13.8200% | 4,420 |
| Total risk-based capital ratio | 15.0700% | 4,371 |
| Memoranda: | ||
| Average total assets | $1,131,355,600 | 581 |
| Average earning assets | $1,031,694,000 | 576 |
| Average equity | $108,071,400 | 655 |
| Average total loans | $613,498,200 | 682 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 4,807 |
| Cost of funding earning assets | 0.4291% | 4,514 |
| Net interest margin | 3.3838% | 4,343 |
| Noninterest income to average assets | 0.7321% | 2,451 |
| Noninterest expense to average assets | 2.3574% | 5,161 |
| Loan and lease loss provision to assets | 0.1062% | 2,986 |
| Net operating income to assets | 1.3542% | 1,216 |
| Return on assets (ROA) | 1.3590% | 1,250 |
| Pretax return on assets | 1.3590% | 2,078 |
| Return on Equity (ROE) | 14.1922% | 949 |
| Retained earnings to average equity (ytd only) | 3.2827% | 4,342 |
| Net charge-offs to loans | 0.0039% | 5,123 |
| Credit loss provision to net charge-offs | 5,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 687.3163% | 77 |
| Efficiency ratio | 61.4476% | 5,211 |
| Assets per employee ($millions) | 5.2517% | 1,890 |
| Cash dividends to net income (ytd only)* | 76.8697% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 3,835 |
| Loan loss allowance to noncurrent loans | 167.0029% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 4,701 |
| Noncurrent loans to loans | 0.8466% | 4,134 |
| Net loans and leases to total assets | 57.2594% | 4,128 |
| Net loans and leases to deposits | 71.1661% | 3,617 |
| Net loans and leases to core deposits | 86.2624% | 2,381 |
| Total domestic deposits to total assets | 80.4588% | 5,370 |
| Equity capital to assets | 9.3643% | 4,727 |
| Core capital (leverage) ratio | 8.6558% | 5,592 |
| Tier 1 risk-based capital ratio | 13.2327% | 4,962 |
| Total risk-based capital ratio | 14.4777% | 4,903 |
| Memoranda: | ||
| Average total assets | $1,129,501,000 | 586 |
| Average earning assets | $1,030,005,000 | 579 |
| Average equity | $108,159,750 | 663 |
| Average total loans | $609,068,000 | 688 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 5,183 |
| Cost of funding earning assets | 0.4380% | 4,567 |
| Net interest margin | 3.2493% | 4,771 |
| Noninterest income to average assets | 0.6714% | 2,783 |
| Noninterest expense to average assets | 2.3657% | 5,159 |
| Loan and lease loss provision to assets | 0.1062% | 3,021 |
| Net operating income to assets | 1.1535% | 1,725 |
| Return on assets (ROA) | 1.1607% | 1,811 |
| Pretax return on assets | 1.1607% | 2,836 |
| Return on Equity (ROE) | 12.0329% | 1,483 |
| Retained earnings to average equity (ytd only) | 3.2230% | 4,257 |
| Net charge-offs to loans | -0.0088% | 5,745 |
| Credit loss provision to net charge-offs | -2,307.6923% | 6,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9363% | 4,716 |
| Assets per employee ($millions) | 5.0062% | 2,108 |
| Cash dividends to net income (ytd only)* | 73.2154% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 3,827 |
| Loan loss allowance to noncurrent loans | 143.2931% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 4,394 |
| Noncurrent loans to loans | 1.0089% | 3,917 |
| Net loans and leases to total assets | 54.0875% | 4,577 |
| Net loans and leases to deposits | 66.1785% | 4,248 |
| Net loans and leases to core deposits | 80.5499% | 2,974 |
| Total domestic deposits to total assets | 81.7298% | 5,135 |
| Equity capital to assets | 9.1545% | 5,041 |
| Core capital (leverage) ratio | 8.8973% | 5,149 |
| Tier 1 risk-based capital ratio | 13.5400% | 4,747 |
| Total risk-based capital ratio | 14.7900% | 4,700 |
| Memoranda: | ||
| Average total assets | $1,129,626,670 | 586 |
| Average earning assets | $1,026,998,000 | 583 |
| Average equity | $108,968,000 | 659 |
| Average total loans | $593,490,000 | 703 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 5,341 |
| Cost of funding earning assets | 0.4548% | 4,541 |
| Net interest margin | 3.1834% | 4,982 |
| Noninterest income to average assets | 0.6769% | 2,712 |
| Noninterest expense to average assets | 2.3842% | 5,170 |
| Loan and lease loss provision to assets | 0.1065% | 2,915 |
| Net operating income to assets | 1.0825% | 1,927 |
| Return on assets (ROA) | 1.0879% | 2,015 |
| Pretax return on assets | 1.0879% | 3,004 |
| Return on Equity (ROE) | 10.9947% | 1,713 |
| Retained earnings to average equity (ytd only) | 3.8157% | 3,942 |
| Net charge-offs to loans | 0.0021% | 4,126 |
| Credit loss provision to net charge-offs | 10,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,116.0000% | 16 |
| Efficiency ratio | 66.4049% | 4,591 |
| Assets per employee ($millions) | 4.9056% | 2,340 |
| Cash dividends to net income (ytd only)* | 65.2955% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 3,677 |
| Loan loss allowance to noncurrent loans | 136.7816% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 4,444 |
| Noncurrent loans to loans | 1.1220% | 3,909 |
| Net loans and leases to total assets | 50.9497% | 4,852 |
| Net loans and leases to deposits | 57.0830% | 5,131 |
| Net loans and leases to core deposits | 70.3801% | 4,027 |
| Total domestic deposits to total assets | 89.2554% | 1,524 |
| Equity capital to assets | 10.1926% | 3,914 |
| Core capital (leverage) ratio | 8.7673% | 5,236 |
| Tier 1 risk-based capital ratio | 14.2530% | 4,322 |
| Total risk-based capital ratio | 15.5033% | 4,292 |
| Memoranda: | ||
| Average total assets | $1,126,236,000 | 592 |
| Average earning assets | $1,024,676,000 | 589 |
| Average equity | $111,435,500 | 654 |
| Average total loans | $578,399,500 | 724 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 5,314 |
| Cost of funding earning assets | 0.5531% | 4,789 |
| Net interest margin | 3.4443% | 4,721 |
| Noninterest income to average assets | 0.6769% | 2,847 |
| Noninterest expense to average assets | 2.2682% | 5,769 |
| Loan and lease loss provision to assets | 0.1083% | 4,281 |
| Net operating income to assets | 1.4172% | 1,066 |
| Return on assets (ROA) | 1.4385% | 1,154 |
| Pretax return on assets | 1.4385% | 1,901 |
| Return on Equity (ROE) | 15.2034% | 777 |
| Retained earnings to average equity (ytd only) | 8.6231% | 935 |
| Net charge-offs to loans | 0.1686% | 4,027 |
| Credit loss provision to net charge-offs | 130.2932% | 2,149 |
| Earnings coverage of net charge-offs (x) | 18.3561% | 1,443 |
| Efficiency ratio | 59.3178% | 5,647 |
| Assets per employee ($millions) | 5.2185% | 1,971 |
| Cash dividends to net income (ytd only)* | 43.2819% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 4,068 |
| Loan loss allowance to noncurrent loans | 114.9788% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 4,475 |
| Noncurrent loans to loans | 1.2352% | 3,781 |
| Net loans and leases to total assets | 50.2673% | 5,133 |
| Net loans and leases to deposits | 57.9496% | 5,242 |
| Net loans and leases to core deposits | 70.9335% | 4,176 |
| Total domestic deposits to total assets | 86.7432% | 2,966 |
| Equity capital to assets | 9.6130% | 4,727 |
| Core capital (leverage) ratio | 8.6311% | 5,422 |
| Tier 1 risk-based capital ratio | 13.4728% | 4,767 |
| Total risk-based capital ratio | 14.6528% | 4,774 |
| Memoranda: | ||
| Average total assets | $1,108,213,200 | 595 |
| Average earning assets | $1,002,879,400 | 588 |
| Average equity | $104,858,000 | 676 |
| Average total loans | $546,321,200 | 760 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 5,380 |
| Cost of funding earning assets | 0.5784% | 4,849 |
| Net interest margin | 3.4650% | 4,785 |
| Noninterest income to average assets | 0.6859% | 2,778 |
| Noninterest expense to average assets | 2.2868% | 5,720 |
| Loan and lease loss provision to assets | 0.1095% | 4,203 |
| Net operating income to assets | 1.4204% | 1,182 |
| Return on assets (ROA) | 1.4491% | 1,253 |
| Pretax return on assets | 1.4491% | 2,082 |
| Return on Equity (ROE) | 15.3801% | 834 |
| Retained earnings to average equity (ytd only) | 6.4682% | 2,394 |
| Net charge-offs to loans | 0.0541% | 4,896 |
| Credit loss provision to net charge-offs | 414.7465% | 648 |
| Earnings coverage of net charge-offs (x) | 57.9347% | 670 |
| Efficiency ratio | 59.4439% | 5,593 |
| Assets per employee ($millions) | 5.0708% | 2,092 |
| Cash dividends to net income (ytd only)* | 57.9442% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 3,921 |
| Loan loss allowance to noncurrent loans | 109.3645% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8830% | 4,519 |
| Noncurrent loans to loans | 1.3794% | 3,725 |
| Net loans and leases to total assets | 51.4639% | 5,118 |
| Net loans and leases to deposits | 63.1890% | 4,818 |
| Net loans and leases to core deposits | 77.7637% | 3,491 |
| Total domestic deposits to total assets | 81.4444% | 5,212 |
| Equity capital to assets | 9.8053% | 4,775 |
| Core capital (leverage) ratio | 8.4542% | 5,818 |
| Tier 1 risk-based capital ratio | 13.2533% | 5,057 |
| Total risk-based capital ratio | 14.5035% | 5,019 |
| Memoranda: | ||
| Average total assets | $1,095,638,250 | 604 |
| Average earning assets | $989,978,750 | 598 |
| Average equity | $103,230,500 | 689 |
| Average total loans | $535,215,750 | 777 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 5,568 |
| Cost of funding earning assets | 0.5963% | 4,933 |
| Net interest margin | 3.4294% | 4,974 |
| Noninterest income to average assets | 0.6648% | 2,866 |
| Noninterest expense to average assets | 2.3023% | 5,727 |
| Loan and lease loss provision to assets | 0.1102% | 4,149 |
| Net operating income to assets | 1.3535% | 1,305 |
| Return on assets (ROA) | 1.3535% | 1,457 |
| Pretax return on assets | 1.3535% | 2,379 |
| Return on Equity (ROE) | 14.5683% | 1,003 |
| Retained earnings to average equity (ytd only) | 4.8825% | 3,341 |
| Net charge-offs to loans | 0.0181% | 5,161 |
| Credit loss provision to net charge-offs | 1,276.5957% | 251 |
| Earnings coverage of net charge-offs (x) | 169.5745% | 268 |
| Efficiency ratio | 60.6505% | 5,476 |
| Assets per employee ($millions) | 4.8827% | 2,313 |
| Cash dividends to net income (ytd only)* | 66.4858% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 3,569 |
| Loan loss allowance to noncurrent loans | 103.8351% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 4,511 |
| Noncurrent loans to loans | 1.5511% | 3,583 |
| Net loans and leases to total assets | 48.6080% | 5,547 |
| Net loans and leases to deposits | 57.5273% | 5,503 |
| Net loans and leases to core deposits | 70.2924% | 4,502 |
| Total domestic deposits to total assets | 84.4954% | 4,101 |
| Equity capital to assets | 9.7829% | 4,652 |
| Core capital (leverage) ratio | 8.3664% | 5,835 |
| Tier 1 risk-based capital ratio | 13.7291% | 4,640 |
| Total risk-based capital ratio | 14.9802% | 4,616 |
| Memoranda: | ||
| Average total assets | $1,088,991,000 | 605 |
| Average earning assets | $984,778,000 | 603 |
| Average equity | $101,178,670 | 707 |
| Average total loans | $519,316,000 | 798 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 5,621 |
| Cost of funding earning assets | 0.6141% | 5,016 |
| Net interest margin | 3.4315% | 4,991 |
| Noninterest income to average assets | 0.6310% | 3,054 |
| Noninterest expense to average assets | 2.3194% | 5,721 |
| Loan and lease loss provision to assets | 0.1102% | 3,975 |
| Net operating income to assets | 1.3024% | 1,454 |
| Return on assets (ROA) | 1.3024% | 1,622 |
| Pretax return on assets | 1.3024% | 2,528 |
| Return on Equity (ROE) | 14.3989% | 1,104 |
| Retained earnings to average equity (ytd only) | 6.2777% | 2,805 |
| Net charge-offs to loans | 0.0086% | 4,608 |
| Credit loss provision to net charge-offs | 2,727.2727% | 107 |
| Earnings coverage of net charge-offs (x) | 349.6364% | 90 |
| Efficiency ratio | 61.6672% | 5,340 |
| Assets per employee ($millions) | 4.9191% | 2,355 |
| Cash dividends to net income (ytd only)* | 56.4016% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 3,373 |
| Loan loss allowance to noncurrent loans | 97.9021% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 4,614 |
| Noncurrent loans to loans | 1.7309% | 3,515 |
| Net loans and leases to total assets | 44.4229% | 5,963 |
| Net loans and leases to deposits | 49.8390% | 6,154 |
| Net loans and leases to core deposits | 59.9526% | 5,534 |
| Total domestic deposits to total assets | 89.1328% | 1,617 |
| Equity capital to assets | 9.0308% | 5,443 |
| Core capital (leverage) ratio | 7.6671% | 6,514 |
| Tier 1 risk-based capital ratio | 13.3458% | 4,939 |
| Total risk-based capital ratio | 14.5971% | 4,929 |
| Memoranda: | ||
| Average total assets | $1,089,062,500 | 609 |
| Average earning assets | $984,182,000 | 602 |
| Average equity | $98,507,500 | 725 |
| Average total loans | $510,008,500 | 817 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 4,943 |
| Cost of funding earning assets | 0.7634% | 5,113 |
| Net interest margin | 3.7695% | 3,984 |
| Noninterest income to average assets | 0.6650% | 2,808 |
| Noninterest expense to average assets | 2.3620% | 5,875 |
| Loan and lease loss provision to assets | 0.2353% | 3,849 |
| Net operating income to assets | 1.4924% | 840 |
| Return on assets (ROA) | 1.5112% | 873 |
| Pretax return on assets | 1.5112% | 1,437 |
| Return on Equity (ROE) | 17.0523% | 469 |
| Retained earnings to average equity (ytd only) | 10.0274% | 563 |
| Net charge-offs to loans | 0.2936% | 3,940 |
| Credit loss provision to net charge-offs | 159.2568% | 1,739 |
| Earnings coverage of net charge-offs (x) | 11.6934% | 1,693 |
| Efficiency ratio | 57.1271% | 6,172 |
| Assets per employee ($millions) | 5.0054% | 2,196 |
| Cash dividends to net income (ytd only)* | 41.1963% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 3,806 |
| Loan loss allowance to noncurrent loans | 179.9246% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 5,470 |
| Noncurrent loans to loans | 0.8598% | 4,968 |
| Net loans and leases to total assets | 47.7452% | 5,852 |
| Net loans and leases to deposits | 53.6141% | 6,106 |
| Net loans and leases to core deposits | 67.7866% | 5,057 |
| Total domestic deposits to total assets | 89.0535% | 1,506 |
| Equity capital to assets | 9.0597% | 5,483 |
| Core capital (leverage) ratio | 7.9235% | 6,330 |
| Tier 1 risk-based capital ratio | 12.8691% | 5,182 |
| Total risk-based capital ratio | 14.1196% | 5,154 |
| Memoranda: | ||
| Average total assets | $1,019,964,000 | 646 |
| Average earning assets | $926,668,200 | 641 |
| Average equity | $90,392,600 | 746 |
| Average total loans | $513,337,200 | 809 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6329% | 4,733 |
| Cost of funding earning assets | 0.8041% | 5,123 |
| Net interest margin | 3.8288% | 3,728 |
| Noninterest income to average assets | 0.6900% | 2,666 |
| Noninterest expense to average assets | 2.3603% | 5,878 |
| Loan and lease loss provision to assets | 0.2077% | 3,936 |
| Net operating income to assets | 1.6083% | 760 |
| Return on assets (ROA) | 1.6338% | 800 |
| Pretax return on assets | 1.6338% | 1,295 |
| Return on Equity (ROE) | 18.5466% | 412 |
| Retained earnings to average equity (ytd only) | 9.0556% | 1,126 |
| Net charge-offs to loans | 0.1105% | 4,902 |
| Credit loss provision to net charge-offs | 369.9764% | 773 |
| Earnings coverage of net charge-offs (x) | 32.3497% | 885 |
| Efficiency ratio | 55.8931% | 6,292 |
| Assets per employee ($millions) | 4.6044% | 2,745 |
| Cash dividends to net income (ytd only)* | 51.1737% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 3,725 |
| Loan loss allowance to noncurrent loans | 467.0391% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 6,025 |
| Noncurrent loans to loans | 0.3399% | 6,170 |
| Net loans and leases to total assets | 52.1174% | 5,433 |
| Net loans and leases to deposits | 60.0404% | 5,624 |
| Net loans and leases to core deposits | 74.6016% | 4,365 |
| Total domestic deposits to total assets | 86.8039% | 2,770 |
| Equity capital to assets | 9.6663% | 4,834 |
| Core capital (leverage) ratio | 7.9125% | 6,474 |
| Tier 1 risk-based capital ratio | 12.7186% | 5,317 |
| Total risk-based capital ratio | 13.9701% | 5,294 |
| Memoranda: | ||
| Average total assets | $1,004,661,750 | 663 |
| Average earning assets | $914,796,000 | 655 |
| Average equity | $88,503,000 | 765 |
| Average total loans | $510,591,750 | 828 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 5,027 |
| Cost of funding earning assets | 0.8427% | 5,117 |
| Net interest margin | 3.7434% | 4,064 |
| Noninterest income to average assets | 0.6627% | 2,752 |
| Noninterest expense to average assets | 2.3583% | 5,968 |
| Loan and lease loss provision to assets | 0.2063% | 3,856 |
| Net operating income to assets | 1.5142% | 860 |
| Return on assets (ROA) | 1.5142% | 923 |
| Pretax return on assets | 1.5142% | 1,494 |
| Return on Equity (ROE) | 17.7574% | 479 |
| Retained earnings to average equity (ytd only) | 7.5199% | 1,648 |
| Net charge-offs to loans | 0.1342% | 4,403 |
| Credit loss provision to net charge-offs | 306.7847% | 990 |
| Earnings coverage of net charge-offs (x) | 25.5811% | 1,038 |
| Efficiency ratio | 57.1797% | 6,273 |
| Assets per employee ($millions) | 4.7590% | 2,467 |
| Cash dividends to net income (ytd only)* | 57.6520% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 4,006 |
| Loan loss allowance to noncurrent loans | 423.4759% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 5,973 |
| Noncurrent loans to loans | 0.3603% | 6,191 |
| Net loans and leases to total assets | 50.6557% | 5,734 |
| Net loans and leases to deposits | 61.2279% | 5,589 |
| Net loans and leases to core deposits | 77.7492% | 4,083 |
| Total domestic deposits to total assets | 82.7331% | 4,890 |
| Equity capital to assets | 9.0966% | 5,445 |
| Core capital (leverage) ratio | 7.4690% | 6,760 |
| Tier 1 risk-based capital ratio | 12.2532% | 5,566 |
| Total risk-based capital ratio | 13.5038% | 5,550 |
| Memoranda: | ||
| Average total assets | $1,008,034,000 | 667 |
| Average earning assets | $919,908,330 | 656 |
| Average equity | $85,958,670 | 783 |
| Average total loans | $505,225,330 | 856 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 5,272 |
| Cost of funding earning assets | 0.8936% | 4,967 |
| Net interest margin | 3.6253% | 4,457 |
| Noninterest income to average assets | 0.6197% | 3,039 |
| Noninterest expense to average assets | 2.3787% | 5,957 |
| Loan and lease loss provision to assets | 0.2064% | 3,573 |
| Net operating income to assets | 1.3347% | 1,187 |
| Return on assets (ROA) | 1.3347% | 1,235 |
| Pretax return on assets | 1.3347% | 1,925 |
| Return on Equity (ROE) | 16.1927% | 657 |
| Retained earnings to average equity (ytd only) | 7.5232% | 1,927 |
| Net charge-offs to loans | 0.2448% | 3,105 |
| Credit loss provision to net charge-offs | 170.4918% | 1,691 |
| Earnings coverage of net charge-offs (x) | 12.7279% | 1,482 |
| Efficiency ratio | 60.0263% | 5,981 |
| Assets per employee ($millions) | 4.9087% | 2,286 |
| Cash dividends to net income (ytd only)* | 53.5396% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 4,095 |
| Loan loss allowance to noncurrent loans | 275.6025% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 5,852 |
| Noncurrent loans to loans | 0.5527% | 5,919 |
| Net loans and leases to total assets | 47.7552% | 6,110 |
| Net loans and leases to deposits | 54.2765% | 6,267 |
| Net loans and leases to core deposits | 69.7943% | 5,066 |
| Total domestic deposits to total assets | 87.9851% | 2,380 |
| Equity capital to assets | 8.4169% | 6,030 |
| Core capital (leverage) ratio | 7.2908% | 6,864 |
| Tier 1 risk-based capital ratio | 12.2467% | 5,480 |
| Total risk-based capital ratio | 13.4896% | 5,486 |
| Memoranda: | ||
| Average total assets | $1,007,600,500 | 666 |
| Average earning assets | $917,214,500 | 662 |
| Average equity | $83,050,000 | 801 |
| Average total loans | $498,345,500 | 883 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9554% | 4,761 |
| Cost of funding earning assets | 1.1851% | 4,648 |
| Net interest margin | 3.7703% | 4,066 |
| Noninterest income to average assets | 0.7220% | 2,698 |
| Noninterest expense to average assets | 2.4976% | 5,810 |
| Loan and lease loss provision to assets | 0.2248% | 5,033 |
| Net operating income to assets | 1.4089% | 933 |
| Return on assets (ROA) | 1.5092% | 811 |
| Pretax return on assets | 1.5092% | 1,349 |
| Return on Equity (ROE) | 17.2169% | 459 |
| Retained earnings to average equity (ytd only) | 9.4326% | 612 |
| Net charge-offs to loans | 0.3019% | 4,504 |
| Credit loss provision to net charge-offs | 134.5291% | 2,899 |
| Earnings coverage of net charge-offs (x) | 9.7777% | 1,783 |
| Efficiency ratio | 59.6083% | 6,105 |
| Assets per employee ($millions) | 4.8506% | 2,342 |
| Cash dividends to net income (ytd only)* | 45.2128% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 4,429 |
| Loan loss allowance to noncurrent loans | 213.1719% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 5,687 |
| Noncurrent loans to loans | 0.6656% | 5,715 |
| Net loans and leases to total assets | 49.7055% | 6,193 |
| Net loans and leases to deposits | 54.9952% | 6,519 |
| Net loans and leases to core deposits | 71.3693% | 5,289 |
| Total domestic deposits to total assets | 90.3815% | 897 |
| Equity capital to assets | 8.0682% | 6,419 |
| Core capital (leverage) ratio | 7.4277% | 6,762 |
| Tier 1 risk-based capital ratio | 11.7170% | 5,712 |
| Total risk-based capital ratio | 12.8980% | 5,778 |
| Memoranda: | ||
| Average total assets | $934,244,000 | 723 |
| Average earning assets | $844,818,800 | 720 |
| Average equity | $81,896,400 | 804 |
| Average total loans | $516,983,400 | 872 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 4,466 |
| Cost of funding earning assets | 1.2268% | 4,705 |
| Net interest margin | 3.8455% | 3,771 |
| Noninterest income to average assets | 0.7232% | 2,689 |
| Noninterest expense to average assets | 2.5372% | 5,576 |
| Loan and lease loss provision to assets | 0.2294% | 4,780 |
| Net operating income to assets | 1.4337% | 1,052 |
| Return on assets (ROA) | 1.5701% | 864 |
| Pretax return on assets | 1.5701% | 1,419 |
| Return on Equity (ROE) | 17.5270% | 528 |
| Retained earnings to average equity (ytd only) | 7.1639% | 1,775 |
| Net charge-offs to loans | 0.1649% | 4,999 |
| Credit loss provision to net charge-offs | 245.3271% | 1,366 |
| Earnings coverage of net charge-offs (x) | 17.7881% | 1,303 |
| Efficiency ratio | 59.5569% | 6,017 |
| Assets per employee ($millions) | 4.5863% | 2,770 |
| Cash dividends to net income (ytd only)* | 59.1263% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 4,253 |
| Loan loss allowance to noncurrent loans | 190.3476% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.8522% | 5,391 |
| Noncurrent loans to loans | 0.7567% | 5,689 |
| Net loans and leases to total assets | 55.9423% | 5,552 |
| Net loans and leases to deposits | 63.4745% | 5,976 |
| Net loans and leases to core deposits | 83.2373% | 4,059 |
| Total domestic deposits to total assets | 88.1335% | 1,879 |
| Equity capital to assets | 9.1380% | 5,393 |
| Core capital (leverage) ratio | 7.4625% | 6,869 |
| Tier 1 risk-based capital ratio | 11.2870% | 6,109 |
| Total risk-based capital ratio | 12.5371% | 6,107 |
| Memoranda: | ||
| Average total assets | $915,574,750 | 734 |
| Average earning assets | $827,846,000 | 730 |
| Average equity | $82,020,000 | 803 |
| Average total loans | $519,052,500 | 875 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 4,618 |
| Cost of funding earning assets | 1.2336% | 4,938 |
| Net interest margin | 3.8352% | 3,733 |
| Noninterest income to average assets | 0.7109% | 2,642 |
| Noninterest expense to average assets | 2.5478% | 5,530 |
| Loan and lease loss provision to assets | 0.2307% | 4,609 |
| Net operating income to assets | 1.3950% | 1,103 |
| Return on assets (ROA) | 1.4286% | 1,114 |
| Pretax return on assets | 1.4286% | 1,757 |
| Return on Equity (ROE) | 16.0566% | 691 |
| Retained earnings to average equity (ytd only) | 4.3283% | 3,321 |
| Net charge-offs to loans | 0.1589% | 4,671 |
| Credit loss provision to net charge-offs | 256.0976% | 1,490 |
| Earnings coverage of net charge-offs (x) | 18.0488% | 1,307 |
| Efficiency ratio | 60.1853% | 6,015 |
| Assets per employee ($millions) | 4.5260% | 2,835 |
| Cash dividends to net income (ytd only)* | 73.0432% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 4,355 |
| Loan loss allowance to noncurrent loans | 83.9816% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2595% | 4,626 |
| Noncurrent loans to loans | 1.6847% | 4,165 |
| Net loans and leases to total assets | 55.2361% | 5,813 |
| Net loans and leases to deposits | 63.2998% | 6,108 |
| Net loans and leases to core deposits | 85.7144% | 3,873 |
| Total domestic deposits to total assets | 87.2611% | 2,401 |
| Equity capital to assets | 8.9920% | 5,462 |
| Core capital (leverage) ratio | 7.2605% | 7,025 |
| Tier 1 risk-based capital ratio | 11.0291% | 6,210 |
| Total risk-based capital ratio | 12.2619% | 6,213 |
| Memoranda: | ||
| Average total assets | $910,425,000 | 735 |
| Average earning assets | $821,959,330 | 738 |
| Average equity | $81,001,000 | 806 |
| Average total loans | $515,920,670 | 884 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1277% | 4,408 |
| Cost of funding earning assets | 1.2374% | 5,185 |
| Net interest margin | 3.8904% | 3,371 |
| Noninterest income to average assets | 0.6642% | 2,857 |
| Noninterest expense to average assets | 2.5319% | 5,611 |
| Loan and lease loss provision to assets | 0.2323% | 4,181 |
| Net operating income to assets | 1.4058% | 1,060 |
| Return on assets (ROA) | 1.4058% | 1,132 |
| Pretax return on assets | 1.4058% | 1,760 |
| Return on Equity (ROE) | 15.8870% | 735 |
| Retained earnings to average equity (ytd only) | 3.6355% | 3,973 |
| Net charge-offs to loans | 0.0986% | 4,434 |
| Credit loss provision to net charge-offs | 413.3858% | 1,001 |
| Earnings coverage of net charge-offs (x) | 29.1496% | 889 |
| Efficiency ratio | 59.8472% | 6,204 |
| Assets per employee ($millions) | 4.6266% | 2,751 |
| Cash dividends to net income (ytd only)* | 77.1168% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 4,373 |
| Loan loss allowance to noncurrent loans | 111.1687% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 5,112 |
| Noncurrent loans to loans | 1.2682% | 4,865 |
| Net loans and leases to total assets | 54.2967% | 5,991 |
| Net loans and leases to deposits | 60.7591% | 6,386 |
| Net loans and leases to core deposits | 81.6776% | 4,538 |
| Total domestic deposits to total assets | 89.3640% | 1,325 |
| Equity capital to assets | 8.8324% | 5,490 |
| Core capital (leverage) ratio | 7.2126% | 7,104 |
| Tier 1 risk-based capital ratio | 11.0365% | 6,125 |
| Total risk-based capital ratio | 12.2498% | 6,125 |
| Memoranda: | ||
| Average total assets | $903,988,500 | 762 |
| Average earning assets | $814,628,000 | 768 |
| Average equity | $79,990,000 | 827 |
| Average total loans | $515,224,500 | 907 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5418% | 3,918 |
| Cost of funding earning assets | 1.3648% | 6,073 |
| Net interest margin | 4.1770% | 2,146 |
| Noninterest income to average assets | 0.7267% | 2,806 |
| Noninterest expense to average assets | 2.5814% | 5,856 |
| Loan and lease loss provision to assets | 0.3035% | 5,005 |
| Net operating income to assets | 1.6243% | 515 |
| Return on assets (ROA) | 1.6307% | 538 |
| Pretax return on assets | 1.6307% | 900 |
| Return on Equity (ROE) | 18.4135% | 338 |
| Retained earnings to average equity (ytd only) | 10.1143% | 362 |
| Net charge-offs to loans | 0.2664% | 4,952 |
| Credit loss provision to net charge-offs | 190.0520% | 2,109 |
| Earnings coverage of net charge-offs (x) | 12.0728% | 1,536 |
| Efficiency ratio | 56.2201% | 6,990 |
| Assets per employee ($millions) | 4.5976% | 2,769 |
| Cash dividends to net income (ytd only)* | 45.0712% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 4,969 |
| Loan loss allowance to noncurrent loans | 104.0019% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0425% | 5,015 |
| Noncurrent loans to loans | 1.2152% | 4,922 |
| Net loans and leases to total assets | 58.2030% | 5,631 |
| Net loans and leases to deposits | 65.4956% | 6,115 |
| Net loans and leases to core deposits | 100.8906% | 3,912 |
| Total domestic deposits to total assets | 88.8655% | 1,535 |
| Equity capital to assets | 8.8650% | 5,332 |
| Core capital (leverage) ratio | 7.4250% | 6,858 |
| Tier 1 risk-based capital ratio | 10.5727% | 6,318 |
| Total risk-based capital ratio | 11.6837% | 6,435 |
| Memoranda: | ||
| Average total assets | $843,566,800 | 801 |
| Average earning assets | $763,898,800 | 813 |
| Average equity | $74,706,200 | 863 |
| Average total loans | $505,667,400 | 942 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5473% | 4,174 |
| Cost of funding earning assets | 1.3995% | 6,235 |
| Net interest margin | 4.1478% | 2,221 |
| Noninterest income to average assets | 0.6621% | 3,278 |
| Noninterest expense to average assets | 2.5626% | 5,848 |
| Loan and lease loss provision to assets | 0.1269% | 6,080 |
| Net operating income to assets | 1.7381% | 524 |
| Return on assets (ROA) | 1.7467% | 534 |
| Pretax return on assets | 1.7467% | 885 |
| Return on Equity (ROE) | 19.7292% | 326 |
| Retained earnings to average equity (ytd only) | 8.4844% | 982 |
| Net charge-offs to loans | 0.1408% | 5,295 |
| Credit loss provision to net charge-offs | 149.6212% | 3,218 |
| Earnings coverage of net charge-offs (x) | 21.9963% | 1,181 |
| Efficiency ratio | 56.8165% | 6,892 |
| Assets per employee ($millions) | 4.4021% | 3,028 |
| Cash dividends to net income (ytd only)* | 56.9958% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 5,930 |
| Loan loss allowance to noncurrent loans | 82.9544% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 5,334 |
| Noncurrent loans to loans | 1.2842% | 4,792 |
| Net loans and leases to total assets | 62.6127% | 5,136 |
| Net loans and leases to deposits | 75.9330% | 5,059 |
| Net loans and leases to core deposits | 118.8114% | 2,348 |
| Total domestic deposits to total assets | 82.4578% | 4,470 |
| Equity capital to assets | 9.2063% | 5,155 |
| Core capital (leverage) ratio | 7.3435% | 7,142 |
| Tier 1 risk-based capital ratio | 10.1846% | 6,796 |
| Total risk-based capital ratio | 11.1476% | 7,020 |
| Memoranda: | ||
| Average total assets | $830,326,500 | 824 |
| Average earning assets | $753,794,250 | 834 |
| Average equity | $73,513,500 | 896 |
| Average total loans | $499,963,000 | 975 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4606% | 4,843 |
| Cost of funding earning assets | 1.4315% | 6,374 |
| Net interest margin | 4.0291% | 2,586 |
| Noninterest income to average assets | 0.6627% | 3,248 |
| Noninterest expense to average assets | 2.6103% | 5,701 |
| Loan and lease loss provision to assets | 0.1262% | 5,848 |
| Net operating income to assets | 1.5830% | 702 |
| Return on assets (ROA) | 1.5868% | 764 |
| Pretax return on assets | 1.5868% | 1,236 |
| Return on Equity (ROE) | 18.1721% | 480 |
| Retained earnings to average equity (ytd only) | 4.4812% | 2,800 |
| Net charge-offs to loans | 0.0940% | 5,239 |
| Credit loss provision to net charge-offs | 227.0742% | 2,027 |
| Earnings coverage of net charge-offs (x) | 30.7467% | 985 |
| Efficiency ratio | 59.3346% | 6,645 |
| Assets per employee ($millions) | 4.1014% | 3,491 |
| Cash dividends to net income (ytd only)* | 75.3404% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,261 |
| Loan loss allowance to noncurrent loans | 109.5945% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 5,551 |
| Noncurrent loans to loans | 1.0503% | 5,115 |
| Net loans and leases to total assets | 59.6736% | 5,736 |
| Net loans and leases to deposits | 69.6422% | 6,023 |
| Net loans and leases to core deposits | 110.3015% | 3,343 |
| Total domestic deposits to total assets | 85.6860% | 2,929 |
| Equity capital to assets | 8.8457% | 5,529 |
| Core capital (leverage) ratio | 7.1004% | 7,451 |
| Tier 1 risk-based capital ratio | 10.0409% | 6,877 |
| Total risk-based capital ratio | 11.0476% | 7,085 |
| Memoranda: | ||
| Average total assets | $823,898,670 | 851 |
| Average earning assets | $747,763,330 | 854 |
| Average equity | $71,945,330 | 933 |
| Average total loans | $487,386,670 | 1,025 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3825% | 5,517 |
| Cost of funding earning assets | 1.4747% | 6,488 |
| Net interest margin | 3.9078% | 3,012 |
| Noninterest income to average assets | 0.6480% | 3,209 |
| Noninterest expense to average assets | 2.4747% | 5,936 |
| Loan and lease loss provision to assets | 0.1217% | 5,407 |
| Net operating income to assets | 1.5993% | 787 |
| Return on assets (ROA) | 1.5993% | 863 |
| Pretax return on assets | 1.5993% | 1,408 |
| Return on Equity (ROE) | 18.4354% | 556 |
| Retained earnings to average equity (ytd only) | 3.2830% | 4,049 |
| Net charge-offs to loans | 0.0391% | 4,959 |
| Credit loss provision to net charge-offs | 531.9149% | 1,040 |
| Earnings coverage of net charge-offs (x) | 75.2128% | 545 |
| Efficiency ratio | 57.8440% | 6,727 |
| Assets per employee ($millions) | 4.2040% | 3,259 |
| Cash dividends to net income (ytd only)* | 82.1918% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 4,834 |
| Loan loss allowance to noncurrent loans | 122.2558% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 5,445 |
| Noncurrent loans to loans | 0.9784% | 5,039 |
| Net loans and leases to total assets | 57.4171% | 6,034 |
| Net loans and leases to deposits | 65.6237% | 6,406 |
| Net loans and leases to core deposits | 103.0682% | 4,233 |
| Total domestic deposits to total assets | 87.4945% | 1,972 |
| Equity capital to assets | 8.8631% | 5,534 |
| Core capital (leverage) ratio | 7.0234% | 7,619 |
| Tier 1 risk-based capital ratio | 10.2504% | 6,646 |
| Total risk-based capital ratio | 11.2826% | 6,797 |
| Memoranda: | ||
| Average total assets | $821,611,000 | 859 |
| Average earning assets | $745,892,000 | 859 |
| Average equity | $71,276,000 | 945 |
| Average total loans | $481,011,500 | 1,052 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0132% | 5,486 |
| Cost of funding earning assets | 2.1631% | 5,769 |
| Net interest margin | 3.8500% | 3,795 |
| Noninterest income to average assets | 0.6698% | 3,329 |
| Noninterest expense to average assets | 2.4157% | 6,339 |
| Loan and lease loss provision to assets | 0.1920% | 4,964 |
| Net operating income to assets | 1.5113% | 998 |
| Return on assets (ROA) | 1.5127% | 962 |
| Pretax return on assets | 1.5127% | 1,644 |
| Return on Equity (ROE) | 18.8061% | 465 |
| Retained earnings to average equity (ytd only) | 12.3050% | 208 |
| Net charge-offs to loans | 0.1511% | 4,694 |
| Credit loss provision to net charge-offs | 219.6193% | 2,187 |
| Earnings coverage of net charge-offs (x) | 19.4817% | 1,628 |
| Efficiency ratio | 57.2272% | 6,829 |
| Assets per employee ($millions) | 4.3332% | 2,909 |
| Cash dividends to net income (ytd only)* | 34.5688% | 3,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 5,133 |
| Loan loss allowance to noncurrent loans | 113.7565% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 5,291 |
| Noncurrent loans to loans | 0.9845% | 4,625 |
| Net loans and leases to total assets | 58.3109% | 6,159 |
| Net loans and leases to deposits | 68.5461% | 6,411 |
| Net loans and leases to core deposits | 103.1685% | 4,486 |
| Total domestic deposits to total assets | 85.0681% | 2,809 |
| Equity capital to assets | 8.4900% | 6,101 |
| Core capital (leverage) ratio | 6.9358% | 7,736 |
| Tier 1 risk-based capital ratio | 10.0061% | 6,729 |
| Total risk-based capital ratio | 10.9895% | 6,938 |
| Memoranda: | ||
| Average total assets | $781,172,800 | 870 |
| Average earning assets | $699,865,600 | 870 |
| Average equity | $62,836,000 | 1,070 |
| Average total loans | $452,059,000 | 1,063 |