Home > First Western Bank & Trust > Performance and Condition Ratios
First Western Bank & Trust, 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 | 5.2633% | 1,550 |
| Cost of funding earning assets | 2.2862% | 557 |
| Net interest margin | 2.9771% | 3,335 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.6784% | 1,799 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.5807% | 3,493 |
| Return on assets (ROA) | 0.5834% | 3,478 |
| Pretax return on assets | 0.7540% | 3,328 |
| Return on Equity (ROE) | 5.6700% | 3,590 |
| Retained earnings to average equity (ytd only) | 0.7088% | 3,897 |
| Net charge-offs to loans | 0.1319% | 747 |
| Credit loss provision to net charge-offs | 72.6609% | 2,070 |
| Earnings coverage of net charge-offs (x) | 7.9092% | 2,375 |
| Efficiency ratio | 75.3310% | 1,320 |
| Assets per employee ($millions) | 6.4421% | 2,456 |
| Cash dividends to net income (ytd only)* | 87.5072% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,280 |
| Loan loss allowance to noncurrent loans | 89.9633% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9141% | 544 |
| Noncurrent loans to loans | 1.1172% | 645 |
| Net loans and leases to total assets | 78.8200% | 784 |
| Net loans and leases to deposits | 89.8861% | 1,275 |
| Net loans and leases to core deposits | 108.1618% | 1,030 |
| Total domestic deposits to total assets | 87.6900% | 1,454 |
| Equity capital to assets | 10.0617% | 1,972 |
| Core capital (leverage) ratio | 8.9288% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,096,597,400 | 550 |
| Average earning assets | $1,920,250,000 | 543 |
| Average equity | $215,570,200 | 508 |
| Average total loans | $1,661,274,200 | 480 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 1,453 |
| Cost of funding earning assets | 2.1487% | 549 |
| Net interest margin | 3.0488% | 3,235 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 2.6773% | 1,728 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.6418% | 3,446 |
| Return on assets (ROA) | 0.6434% | 3,436 |
| Pretax return on assets | 0.8615% | 3,191 |
| Return on Equity (ROE) | 6.2200% | 3,602 |
| Retained earnings to average equity (ytd only) | 3.3064% | 3,440 |
| Net charge-offs to loans | 0.2111% | 418 |
| Credit loss provision to net charge-offs | 44.8901% | 1,916 |
| Earnings coverage of net charge-offs (x) | 5.5943% | 2,343 |
| Efficiency ratio | 73.0734% | 1,446 |
| Assets per employee ($millions) | 6.5094% | 2,321 |
| Cash dividends to net income (ytd only)* | 46.8615% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,355 |
| Loan loss allowance to noncurrent loans | 65.6469% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.2383% | 353 |
| Noncurrent loans to loans | 1.5263% | 469 |
| Net loans and leases to total assets | 78.4700% | 825 |
| Net loans and leases to deposits | 93.9406% | 901 |
| Net loans and leases to core deposits | 109.5065% | 887 |
| Total domestic deposits to total assets | 83.5300% | 2,898 |
| Equity capital to assets | 9.9888% | 1,838 |
| Core capital (leverage) ratio | 9.2713% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,069,943,750 | 558 |
| Average earning assets | $1,895,238,750 | 551 |
| Average equity | $214,042,750 | 510 |
| Average total loans | $1,638,051,500 | 488 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0639% | 1,433 |
| Cost of funding earning assets | 1.9516% | 553 |
| Net interest margin | 3.1123% | 3,193 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 2.7134% | 1,609 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6484% | 3,464 |
| Return on assets (ROA) | 0.6503% | 3,464 |
| Pretax return on assets | 0.8598% | 3,263 |
| Return on Equity (ROE) | 6.2200% | 3,647 |
| Retained earnings to average equity (ytd only) | 4.3182% | 3,127 |
| Net charge-offs to loans | 0.3981% | 212 |
| Credit loss provision to net charge-offs | 32.8284% | 1,735 |
| Earnings coverage of net charge-offs (x) | 3.0510% | 2,282 |
| Efficiency ratio | 72.8084% | 1,474 |
| Assets per employee ($millions) | 6.4492% | 2,332 |
| Cash dividends to net income (ytd only)* | 30.5344% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 3,562 |
| Loan loss allowance to noncurrent loans | 93.2029% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 621 |
| Noncurrent loans to loans | 1.0325% | 726 |
| Net loans and leases to total assets | 78.6000% | 773 |
| Net loans and leases to deposits | 94.2419% | 836 |
| Net loans and leases to core deposits | 110.5439% | 806 |
| Total domestic deposits to total assets | 83.4000% | 2,957 |
| Equity capital to assets | 10.2964% | 1,689 |
| Core capital (leverage) ratio | 9.4065% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,054,742,333 | 550 |
| Average earning assets | $1,883,559,000 | 541 |
| Average equity | $214,951,000 | 499 |
| Average total loans | $1,625,121,000 | 474 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 1,166 |
| Cost of funding earning assets | 1.7266% | 532 |
| Net interest margin | 3.3086% | 2,858 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 2.7233% | 1,608 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.8259% | 3,110 |
| Return on assets (ROA) | 0.8282% | 3,059 |
| Pretax return on assets | 1.0774% | 2,776 |
| Return on Equity (ROE) | 7.8500% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.9480% | 2,773 |
| Net charge-offs to loans | 0.8090% | 94 |
| Credit loss provision to net charge-offs | 12.0567% | 1,397 |
| Earnings coverage of net charge-offs (x) | 1.8027% | 1,954 |
| Efficiency ratio | 69.2828% | 1,822 |
| Assets per employee ($millions) | 6.1229% | 2,658 |
| Cash dividends to net income (ytd only)* | 24.2568% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,705 |
| Loan loss allowance to noncurrent loans | 135.1318% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 928 |
| Noncurrent loans to loans | 0.7057% | 1,079 |
| Net loans and leases to total assets | 78.3400% | 732 |
| Net loans and leases to deposits | 89.4532% | 1,094 |
| Net loans and leases to core deposits | 98.4715% | 1,151 |
| Total domestic deposits to total assets | 87.5800% | 2,067 |
| Equity capital to assets | 10.6507% | 1,489 |
| Core capital (leverage) ratio | 9.5437% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,030,897,000 | 567 |
| Average earning assets | $1,861,954,500 | 561 |
| Average equity | $214,189,000 | 512 |
| Average total loans | $1,603,419,000 | 492 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 703 |
| Cost of funding earning assets | 0.6759% | 655 |
| Net interest margin | 3.8377% | 1,086 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.7740% | 1,369 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1170% | 2,090 |
| Return on assets (ROA) | 1.1162% | 2,036 |
| Pretax return on assets | 1.4628% | 1,563 |
| Return on Equity (ROE) | 10.5600% | 2,630 |
| Retained earnings to average equity (ytd only) | 9.2081% | 1,417 |
| Net charge-offs to loans | 0.0856% | 811 |
| Credit loss provision to net charge-offs | 185.6340% | 1,169 |
| Earnings coverage of net charge-offs (x) | 24.6533% | 1,789 |
| Efficiency ratio | 62.7456% | 2,664 |
| Assets per employee ($millions) | 6.0026% | 2,762 |
| Cash dividends to net income (ytd only)* | 12.8359% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 2,679 |
| Loan loss allowance to noncurrent loans | 402.9620% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 2,040 |
| Noncurrent loans to loans | 0.2838% | 2,132 |
| Net loans and leases to total assets | 77.9100% | 803 |
| Net loans and leases to deposits | 90.6363% | 1,004 |
| Net loans and leases to core deposits | 97.4447% | 1,132 |
| Total domestic deposits to total assets | 85.9500% | 2,741 |
| Equity capital to assets | 10.4415% | 1,479 |
| Core capital (leverage) ratio | 9.6066% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,940,361,200 | 572 |
| Average earning assets | $1,779,622,200 | 567 |
| Average equity | $205,015,600 | 516 |
| Average total loans | $1,455,554,000 | 493 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 562 |
| Cost of funding earning assets | 0.5391% | 608 |
| Net interest margin | 3.8775% | 835 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.7557% | 1,332 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.1194% | 2,006 |
| Return on assets (ROA) | 1.1183% | 1,975 |
| Pretax return on assets | 1.5502% | 1,266 |
| Return on Equity (ROE) | 10.5500% | 2,551 |
| Retained earnings to average equity (ytd only) | 9.1755% | 1,590 |
| Net charge-offs to loans | 0.0935% | 660 |
| Credit loss provision to net charge-offs | 173.4940% | 1,052 |
| Earnings coverage of net charge-offs (x) | 24.1657% | 1,635 |
| Efficiency ratio | 61.3284% | 2,927 |
| Assets per employee ($millions) | 6.0214% | 2,741 |
| Cash dividends to net income (ytd only)* | 13.0419% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 2,618 |
| Loan loss allowance to noncurrent loans | 387.0863% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 2,038 |
| Noncurrent loans to loans | 0.3055% | 2,150 |
| Net loans and leases to total assets | 76.8700% | 819 |
| Net loans and leases to deposits | 86.4171% | 1,143 |
| Net loans and leases to core deposits | 90.9740% | 1,240 |
| Total domestic deposits to total assets | 88.9600% | 2,110 |
| Equity capital to assets | 10.4317% | 1,406 |
| Core capital (leverage) ratio | 9.5430% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,919,731,500 | 574 |
| Average earning assets | $1,762,308,500 | 569 |
| Average equity | $203,464,500 | 520 |
| Average total loans | $1,420,900,750 | 495 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 566 |
| Cost of funding earning assets | 0.5186% | 469 |
| Net interest margin | 3.7327% | 865 |
| Noninterest income to average assets | 0.8441% | 958 |
| Noninterest expense to average assets | 2.7656% | 1,233 |
| Loan and lease loss provision to assets | 0.1196% | 834 |
| Net operating income to assets | 0.9969% | 2,166 |
| Return on assets (ROA) | 0.9952% | 2,150 |
| Pretax return on assets | 1.3872% | 1,476 |
| Return on Equity (ROE) | 9.3460% | 2,581 |
| Retained earnings to average equity (ytd only) | 7.0478% | 1,977 |
| Net charge-offs to loans | 0.0850% | 644 |
| Credit loss provision to net charge-offs | 193.4010% | 985 |
| Earnings coverage of net charge-offs (x) | 24.3942% | 1,477 |
| Efficiency ratio | 63.7454% | 2,802 |
| Assets per employee ($millions) | 5.8931% | 2,840 |
| Cash dividends to net income (ytd only)* | 24.5898% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,606 |
| Loan loss allowance to noncurrent loans | 325.4639% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 1,866 |
| Noncurrent loans to loans | 0.3741% | 2,021 |
| Net loans and leases to total assets | 75.5114% | 773 |
| Net loans and leases to deposits | 85.2049% | 1,040 |
| Net loans and leases to core deposits | 90.5429% | 1,093 |
| Total domestic deposits to total assets | 88.6233% | 2,325 |
| Equity capital to assets | 10.5029% | 1,430 |
| Core capital (leverage) ratio | 9.5228% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,910,755,333 | 572 |
| Average earning assets | $1,756,105,000 | 571 |
| Average equity | $203,466,333 | 521 |
| Average total loans | $1,390,192,000 | 498 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 671 |
| Cost of funding earning assets | 0.5340% | 408 |
| Net interest margin | 3.5345% | 1,020 |
| Noninterest income to average assets | 0.8341% | 966 |
| Noninterest expense to average assets | 2.6638% | 1,440 |
| Loan and lease loss provision to assets | 0.1178% | 708 |
| Net operating income to assets | 0.9268% | 2,169 |
| Return on assets (ROA) | 0.9250% | 2,172 |
| Pretax return on assets | 1.2988% | 1,510 |
| Return on Equity (ROE) | 8.6279% | 2,470 |
| Retained earnings to average equity (ytd only) | 7.1214% | 1,851 |
| Net charge-offs to loans | 0.1632% | 365 |
| Credit loss provision to net charge-offs | 101.8051% | 1,002 |
| Earnings coverage of net charge-offs (x) | 12.2581% | 1,421 |
| Efficiency ratio | 64.2528% | 2,992 |
| Assets per employee ($millions) | 5.7005% | 3,119 |
| Cash dividends to net income (ytd only)* | 17.4610% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,517 |
| Loan loss allowance to noncurrent loans | 296.4952% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 1,876 |
| Noncurrent loans to loans | 0.4271% | 1,959 |
| Net loans and leases to total assets | 71.8249% | 853 |
| Net loans and leases to deposits | 81.4829% | 1,043 |
| Net loans and leases to core deposits | 87.6016% | 1,046 |
| Total domestic deposits to total assets | 88.1472% | 2,462 |
| Equity capital to assets | 10.8538% | 1,405 |
| Core capital (leverage) ratio | 8.8753% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,914,400,000 | 575 |
| Average earning assets | $1,759,551,500 | 571 |
| Average equity | $205,240,000 | 533 |
| Average total loans | $1,357,764,000 | 506 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 528 |
| Cost of funding earning assets | 0.6570% | 405 |
| Net interest margin | 3.9175% | 823 |
| Noninterest income to average assets | 0.6573% | 1,915 |
| Noninterest expense to average assets | 2.8066% | 1,345 |
| Loan and lease loss provision to assets | 0.1151% | 1,091 |
| Net operating income to assets | 1.0157% | 2,612 |
| Return on assets (ROA) | 1.0212% | 2,665 |
| Pretax return on assets | 1.3522% | 2,196 |
| Return on Equity (ROE) | 9.6627% | 2,652 |
| Retained earnings to average equity (ytd only) | 6.9082% | 1,953 |
| Net charge-offs to loans | 0.0644% | 1,143 |
| Credit loss provision to net charge-offs | 253.3333% | 1,161 |
| Earnings coverage of net charge-offs (x) | 32.1299% | 1,557 |
| Efficiency ratio | 64.9688% | 2,409 |
| Assets per employee ($millions) | 5.7114% | 3,043 |
| Cash dividends to net income (ytd only)* | 28.5071% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,551 |
| Loan loss allowance to noncurrent loans | 262.2307% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 1,876 |
| Noncurrent loans to loans | 0.4814% | 1,925 |
| Net loans and leases to total assets | 68.3211% | 1,232 |
| Net loans and leases to deposits | 77.2614% | 1,471 |
| Net loans and leases to core deposits | 83.2574% | 1,374 |
| Total domestic deposits to total assets | 88.4285% | 1,828 |
| Equity capital to assets | 10.5948% | 2,095 |
| Core capital (leverage) ratio | 8.5949% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,914,060,200 | 560 |
| Average earning assets | $1,763,693,800 | 553 |
| Average equity | $202,282,800 | 534 |
| Average total loans | $1,350,406,200 | 509 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6702% | 512 |
| Cost of funding earning assets | 0.6819% | 423 |
| Net interest margin | 3.9883% | 813 |
| Noninterest income to average assets | 0.6848% | 1,874 |
| Noninterest expense to average assets | 2.8428% | 1,237 |
| Loan and lease loss provision to assets | 0.1165% | 1,029 |
| Net operating income to assets | 1.0551% | 2,712 |
| Return on assets (ROA) | 1.0612% | 2,754 |
| Pretax return on assets | 1.4095% | 2,297 |
| Return on Equity (ROE) | 10.0482% | 2,724 |
| Retained earnings to average equity (ytd only) | 7.2795% | 2,315 |
| Net charge-offs to loans | 0.0691% | 955 |
| Credit loss provision to net charge-offs | 237.6252% | 1,128 |
| Earnings coverage of net charge-offs (x) | 30.9757% | 1,506 |
| Efficiency ratio | 64.4392% | 2,325 |
| Assets per employee ($millions) | 6.0816% | 2,609 |
| Cash dividends to net income (ytd only)* | 27.5539% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,710 |
| Loan loss allowance to noncurrent loans | 246.4553% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 1,969 |
| Noncurrent loans to loans | 0.5089% | 2,033 |
| Net loans and leases to total assets | 68.3524% | 1,279 |
| Net loans and leases to deposits | 77.4269% | 1,536 |
| Net loans and leases to core deposits | 84.0092% | 1,431 |
| Total domestic deposits to total assets | 88.2799% | 1,669 |
| Equity capital to assets | 10.5409% | 2,426 |
| Core capital (leverage) ratio | 8.7946% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,901,393,750 | 564 |
| Average earning assets | $1,752,617,500 | 565 |
| Average equity | $200,814,000 | 544 |
| Average total loans | $1,348,136,250 | 516 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 430 |
| Cost of funding earning assets | 0.6994% | 466 |
| Net interest margin | 4.1662% | 618 |
| Noninterest income to average assets | 0.7293% | 1,721 |
| Noninterest expense to average assets | 2.8702% | 1,211 |
| Loan and lease loss provision to assets | 0.1202% | 1,052 |
| Net operating income to assets | 1.1904% | 2,223 |
| Return on assets (ROA) | 1.1983% | 2,269 |
| Pretax return on assets | 1.5893% | 1,767 |
| Return on Equity (ROE) | 11.3383% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.4164% | 1,583 |
| Net charge-offs to loans | 0.0835% | 844 |
| Credit loss provision to net charge-offs | 201.4184% | 1,051 |
| Earnings coverage of net charge-offs (x) | 28.4840% | 1,335 |
| Efficiency ratio | 62.1863% | 2,704 |
| Assets per employee ($millions) | 6.0270% | 2,585 |
| Cash dividends to net income (ytd only)* | 16.9506% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,849 |
| Loan loss allowance to noncurrent loans | 221.0512% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 1,911 |
| Noncurrent loans to loans | 0.5494% | 2,027 |
| Net loans and leases to total assets | 70.5029% | 1,143 |
| Net loans and leases to deposits | 79.9425% | 1,430 |
| Net loans and leases to core deposits | 87.5196% | 1,308 |
| Total domestic deposits to total assets | 88.1921% | 1,726 |
| Equity capital to assets | 10.7366% | 2,199 |
| Core capital (leverage) ratio | 8.8593% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,890,544,333 | 560 |
| Average earning assets | $1,742,710,333 | 558 |
| Average equity | $199,800,333 | 540 |
| Average total loans | $1,351,286,000 | 520 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0570% | 324 |
| Cost of funding earning assets | 0.7138% | 519 |
| Net interest margin | 4.3432% | 478 |
| Noninterest income to average assets | 0.7712% | 1,660 |
| Noninterest expense to average assets | 2.8718% | 1,212 |
| Loan and lease loss provision to assets | 0.1395% | 961 |
| Net operating income to assets | 1.3311% | 1,730 |
| Return on assets (ROA) | 1.3472% | 1,780 |
| Pretax return on assets | 1.7883% | 1,311 |
| Return on Equity (ROE) | 12.8497% | 1,715 |
| Retained earnings to average equity (ytd only) | 10.8508% | 1,435 |
| Net charge-offs to loans | 0.1551% | 506 |
| Credit loss provision to net charge-offs | 125.7634% | 1,031 |
| Earnings coverage of net charge-offs (x) | 17.1966% | 1,303 |
| Efficiency ratio | 59.4897% | 3,090 |
| Assets per employee ($millions) | 6.0496% | 2,556 |
| Cash dividends to net income (ytd only)* | 15.5563% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 3,045 |
| Loan loss allowance to noncurrent loans | 240.5092% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 2,353 |
| Noncurrent loans to loans | 0.4899% | 2,385 |
| Net loans and leases to total assets | 69.6022% | 1,342 |
| Net loans and leases to deposits | 78.6244% | 1,655 |
| Net loans and leases to core deposits | 86.5398% | 1,488 |
| Total domestic deposits to total assets | 88.5250% | 1,594 |
| Equity capital to assets | 10.3491% | 2,394 |
| Core capital (leverage) ratio | 8.6840% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,889,573,000 | 560 |
| Average earning assets | $1,743,787,500 | 553 |
| Average equity | $198,106,000 | 534 |
| Average total loans | $1,351,598,500 | 519 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 308 |
| Cost of funding earning assets | 0.9472% | 722 |
| Net interest margin | 4.2948% | 514 |
| Noninterest income to average assets | 0.6217% | 2,133 |
| Noninterest expense to average assets | 2.9106% | 1,653 |
| Loan and lease loss provision to assets | 0.2145% | 1,833 |
| Net operating income to assets | 1.1022% | 1,919 |
| Return on assets (ROA) | 1.1129% | 1,991 |
| Pretax return on assets | 1.4485% | 1,517 |
| Return on Equity (ROE) | 10.1707% | 1,949 |
| Retained earnings to average equity (ytd only) | 8.1717% | 1,006 |
| Net charge-offs to loans | 0.0733% | 1,753 |
| Credit loss provision to net charge-offs | 395.2026% | 1,446 |
| Earnings coverage of net charge-offs (x) | 30.3902% | 1,602 |
| Efficiency ratio | 63.2004% | 2,943 |
| Assets per employee ($millions) | 5.6566% | 2,681 |
| Cash dividends to net income (ytd only)* | 19.6537% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,089 |
| Loan loss allowance to noncurrent loans | 222.0196% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 2,381 |
| Noncurrent loans to loans | 0.5288% | 2,393 |
| Net loans and leases to total assets | 71.8138% | 1,312 |
| Net loans and leases to deposits | 81.3541% | 1,723 |
| Net loans and leases to core deposits | 89.9613% | 1,528 |
| Total domestic deposits to total assets | 88.2730% | 1,341 |
| Equity capital to assets | 10.6242% | 2,572 |
| Core capital (leverage) ratio | 8.7381% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,728,237,600 | 547 |
| Average earning assets | $1,584,809,400 | 548 |
| Average equity | $189,102,800 | 530 |
| Average total loans | $1,280,159,000 | 519 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 1,047 |
| Cost of funding earning assets | 1.1279% | 477 |
| Net interest margin | 3.5809% | 2,334 |
| Noninterest income to average assets | 0.8334% | 1,387 |
| Noninterest expense to average assets | 2.6172% | 2,490 |
| Loan and lease loss provision to assets | 0.2247% | 1,805 |
| Net operating income to assets | 1.0197% | 2,262 |
| Return on assets (ROA) | 1.0380% | 2,319 |
| Pretax return on assets | 1.3313% | 1,934 |
| Return on Equity (ROE) | 10.5249% | 1,839 |
| Retained earnings to average equity (ytd only) | 8.7772% | 1,045 |
| Net charge-offs to loans | 0.1384% | 1,053 |
| Credit loss provision to net charge-offs | 221.9132% | 2,036 |
| Earnings coverage of net charge-offs (x) | 15.1368% | 2,116 |
| Efficiency ratio | 62.6123% | 2,969 |
| Assets per employee ($millions) | 5.9720% | 2,292 |
| Cash dividends to net income (ytd only)* | 16.6052% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,370 |
| Loan loss allowance to noncurrent loans | 773.7190% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 3,298 |
| Noncurrent loans to loans | 0.1945% | 3,618 |
| Net loans and leases to total assets | 74.3451% | 1,333 |
| Net loans and leases to deposits | 83.8610% | 1,926 |
| Net loans and leases to core deposits | 94.8272% | 1,558 |
| Total domestic deposits to total assets | 88.6528% | 918 |
| Equity capital to assets | 9.7826% | 3,446 |
| Core capital (leverage) ratio | 9.0478% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,183,563,500 | 751 |
| Average earning assets | $1,096,271,250 | 740 |
| Average equity | $116,723,250 | 838 |
| Average total loans | $866,119,750 | 735 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 902 |
| Cost of funding earning assets | 1.1797% | 543 |
| Net interest margin | 3.7644% | 1,942 |
| Noninterest income to average assets | 0.8693% | 1,237 |
| Noninterest expense to average assets | 2.6686% | 2,474 |
| Loan and lease loss provision to assets | 0.2317% | 1,814 |
| Net operating income to assets | 1.1279% | 1,882 |
| Return on assets (ROA) | 1.1562% | 1,909 |
| Pretax return on assets | 1.4857% | 1,489 |
| Return on Equity (ROE) | 11.6909% | 1,420 |
| Retained earnings to average equity (ytd only) | 9.9220% | 806 |
| Net charge-offs to loans | 0.1586% | 933 |
| Credit loss provision to net charge-offs | 201.9432% | 1,905 |
| Earnings coverage of net charge-offs (x) | 14.6547% | 1,941 |
| Efficiency ratio | 60.9100% | 3,289 |
| Assets per employee ($millions) | 6.0102% | 2,179 |
| Cash dividends to net income (ytd only)* | 15.1313% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,306 |
| Loan loss allowance to noncurrent loans | 653.9827% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 2,972 |
| Noncurrent loans to loans | 0.2269% | 3,565 |
| Net loans and leases to total assets | 72.3923% | 1,635 |
| Net loans and leases to deposits | 81.8301% | 2,226 |
| Net loans and leases to core deposits | 92.4895% | 1,863 |
| Total domestic deposits to total assets | 88.4666% | 959 |
| Equity capital to assets | 9.5289% | 3,637 |
| Core capital (leverage) ratio | 8.9262% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,166,016,333 | 750 |
| Average earning assets | $1,078,215,333 | 744 |
| Average equity | $115,320,000 | 843 |
| Average total loans | $843,792,667 | 742 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 1,867 |
| Cost of funding earning assets | 1.2977% | 570 |
| Net interest margin | 3.3485% | 3,453 |
| Noninterest income to average assets | 1.0445% | 778 |
| Noninterest expense to average assets | 2.8190% | 2,377 |
| Loan and lease loss provision to assets | 0.1349% | 2,039 |
| Net operating income to assets | 0.9258% | 2,433 |
| Return on assets (ROA) | 0.9410% | 2,481 |
| Pretax return on assets | 1.2008% | 2,196 |
| Return on Equity (ROE) | 9.3248% | 1,989 |
| Retained earnings to average equity (ytd only) | 7.5261% | 1,371 |
| Net charge-offs to loans | 0.1091% | 1,039 |
| Credit loss provision to net charge-offs | 172.2727% | 1,501 |
| Earnings coverage of net charge-offs (x) | 16.8136% | 1,512 |
| Efficiency ratio | 67.6850% | 2,723 |
| Assets per employee ($millions) | 5.6782% | 1,949 |
| Cash dividends to net income (ytd only)* | 19.2890% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 1,098 |
| Loan loss allowance to noncurrent loans | 246.6780% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 2,082 |
| Noncurrent loans to loans | 0.6444% | 2,381 |
| Net loans and leases to total assets | 70.0477% | 2,250 |
| Net loans and leases to deposits | 80.5298% | 2,624 |
| Net loans and leases to core deposits | 91.8073% | 2,184 |
| Total domestic deposits to total assets | 86.9835% | 1,558 |
| Equity capital to assets | 9.9125% | 3,873 |
| Core capital (leverage) ratio | 9.5001% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,123,960,000 | 744 |
| Average earning assets | $1,037,494,000 | 739 |
| Average equity | $113,418,000 | 847 |
| Average total loans | $806,376,000 | 744 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 2,385 |
| Cost of funding earning assets | 1.3357% | 689 |
| Net interest margin | 3.3439% | 3,887 |
| Noninterest income to average assets | 0.7840% | 1,497 |
| Noninterest expense to average assets | 2.5030% | 3,442 |
| Loan and lease loss provision to assets | 0.1624% | 1,283 |
| Net operating income to assets | 0.9585% | 2,989 |
| Return on assets (ROA) | 0.9641% | 3,055 |
| Pretax return on assets | 1.2085% | 2,810 |
| Return on Equity (ROE) | 8.6042% | 2,906 |
| Retained earnings to average equity (ytd only) | -9.0133% | 5,049 |
| Net charge-offs to loans | 0.1135% | 1,600 |
| Credit loss provision to net charge-offs | 205.9977% | 1,290 |
| Earnings coverage of net charge-offs (x) | 17.2964% | 2,115 |
| Efficiency ratio | 64.2064% | 3,047 |
| Assets per employee ($millions) | 5.4207% | 2,138 |
| Cash dividends to net income (ytd only)* | 204.7547% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 898 |
| Loan loss allowance to noncurrent loans | 210.4177% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7564% | 1,712 |
| Noncurrent loans to loans | 0.7806% | 1,946 |
| Net loans and leases to total assets | 71.1567% | 2,227 |
| Net loans and leases to deposits | 81.2829% | 2,638 |
| Net loans and leases to core deposits | 93.8900% | 2,072 |
| Total domestic deposits to total assets | 87.5420% | 1,347 |
| Equity capital to assets | 10.2807% | 3,644 |
| Core capital (leverage) ratio | 9.6188% | 3,937 |
| Tier 1 risk-based capital ratio | 10.4435% | 5,035 |
| Total risk-based capital ratio | 11.6971% | 4,965 |
| Memoranda: | ||
| Average total assets | $1,099,474,800 | 725 |
| Average earning assets | $1,013,658,600 | 717 |
| Average equity | $123,195,600 | 740 |
| Average total loans | $763,641,200 | 746 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 2,688 |
| Cost of funding earning assets | 1.3239% | 735 |
| Net interest margin | 3.2876% | 4,109 |
| Noninterest income to average assets | 0.8569% | 1,247 |
| Noninterest expense to average assets | 2.5256% | 3,362 |
| Loan and lease loss provision to assets | 0.1687% | 1,098 |
| Net operating income to assets | 0.9585% | 3,134 |
| Return on assets (ROA) | 0.9636% | 3,189 |
| Pretax return on assets | 1.2024% | 2,975 |
| Return on Equity (ROE) | 8.4279% | 3,145 |
| Retained earnings to average equity (ytd only) | 6.2320% | 2,262 |
| Net charge-offs to loans | 0.1575% | 1,052 |
| Credit loss provision to net charge-offs | 155.7542% | 1,587 |
| Earnings coverage of net charge-offs (x) | 12.6023% | 2,345 |
| Efficiency ratio | 64.4046% | 2,948 |
| Assets per employee ($millions) | 6.0133% | 1,596 |
| Cash dividends to net income (ytd only)* | 26.0548% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 944 |
| Loan loss allowance to noncurrent loans | 89.1728% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.5020% | 733 |
| Noncurrent loans to loans | 1.8243% | 776 |
| Net loans and leases to total assets | 70.3760% | 2,416 |
| Net loans and leases to deposits | 82.2003% | 2,661 |
| Net loans and leases to core deposits | 95.5436% | 2,038 |
| Total domestic deposits to total assets | 85.6153% | 2,158 |
| Equity capital to assets | 12.0246% | 2,243 |
| Core capital (leverage) ratio | 11.1586% | 2,506 |
| Tier 1 risk-based capital ratio | 12.3187% | 4,248 |
| Total risk-based capital ratio | 13.5719% | 4,124 |
| Memoranda: | ||
| Average total assets | $1,101,953,750 | 722 |
| Average earning assets | $1,016,775,000 | 715 |
| Average equity | $125,991,000 | 721 |
| Average total loans | $757,491,250 | 753 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 2,815 |
| Cost of funding earning assets | 1.2966% | 748 |
| Net interest margin | 3.2610% | 4,220 |
| Noninterest income to average assets | 0.8953% | 1,079 |
| Noninterest expense to average assets | 2.5825% | 3,237 |
| Loan and lease loss provision to assets | 0.1691% | 1,077 |
| Net operating income to assets | 0.9183% | 3,213 |
| Return on assets (ROA) | 0.9214% | 3,265 |
| Pretax return on assets | 1.1595% | 3,039 |
| Return on Equity (ROE) | 8.1958% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.2218% | 1,717 |
| Net charge-offs to loans | 0.2121% | 784 |
| Credit loss provision to net charge-offs | 117.5219% | 1,769 |
| Earnings coverage of net charge-offs (x) | 9.2053% | 2,348 |
| Efficiency ratio | 65.5850% | 2,876 |
| Assets per employee ($millions) | 6.7012% | 1,136 |
| Cash dividends to net income (ytd only)* | 11.8843% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,042 |
| Loan loss allowance to noncurrent loans | 117.7472% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.1430% | 1,178 |
| Noncurrent loans to loans | 1.3535% | 1,150 |
| Net loans and leases to total assets | 68.3667% | 2,771 |
| Net loans and leases to deposits | 79.2191% | 3,035 |
| Net loans and leases to core deposits | 92.4141% | 2,375 |
| Total domestic deposits to total assets | 86.3008% | 1,891 |
| Equity capital to assets | 11.5748% | 2,547 |
| Core capital (leverage) ratio | 10.8466% | 2,748 |
| Tier 1 risk-based capital ratio | 12.1429% | 4,335 |
| Total risk-based capital ratio | 13.3869% | 4,227 |
| Memoranda: | ||
| Average total assets | $1,110,480,000 | 713 |
| Average earning assets | $1,025,630,330 | 707 |
| Average equity | $124,844,670 | 724 |
| Average total loans | $753,309,330 | 758 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 2,890 |
| Cost of funding earning assets | 1.2406% | 791 |
| Net interest margin | 3.2531% | 4,270 |
| Noninterest income to average assets | 0.9804% | 852 |
| Noninterest expense to average assets | 2.6715% | 2,991 |
| Loan and lease loss provision to assets | 0.1756% | 954 |
| Net operating income to assets | 0.9078% | 3,207 |
| Return on assets (ROA) | 0.9109% | 3,237 |
| Pretax return on assets | 1.1413% | 3,004 |
| Return on Equity (ROE) | 8.2223% | 3,159 |
| Retained earnings to average equity (ytd only) | 6.6956% | 2,156 |
| Net charge-offs to loans | 0.0871% | 1,231 |
| Credit loss provision to net charge-offs | 300.6135% | 818 |
| Earnings coverage of net charge-offs (x) | 22.4785% | 1,497 |
| Efficiency ratio | 66.5527% | 2,862 |
| Assets per employee ($millions) | 6.1544% | 1,433 |
| Cash dividends to net income (ytd only)* | 18.5681% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 971 |
| Loan loss allowance to noncurrent loans | 154.2447% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 1,537 |
| Noncurrent loans to loans | 1.0666% | 1,563 |
| Net loans and leases to total assets | 65.9404% | 3,059 |
| Net loans and leases to deposits | 76.1971% | 3,242 |
| Net loans and leases to core deposits | 89.4512% | 2,562 |
| Total domestic deposits to total assets | 86.5392% | 2,044 |
| Equity capital to assets | 11.0543% | 2,794 |
| Core capital (leverage) ratio | 10.6175% | 2,926 |
| Tier 1 risk-based capital ratio | 12.0737% | 4,416 |
| Total risk-based capital ratio | 13.3266% | 4,306 |
| Memoranda: | ||
| Average total assets | $1,116,225,000 | 711 |
| Average earning assets | $1,030,780,000 | 709 |
| Average equity | $123,664,000 | 730 |
| Average total loans | $748,208,500 | 765 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 3,062 |
| Cost of funding earning assets | 0.9795% | 818 |
| Net interest margin | 3.3340% | 4,168 |
| Noninterest income to average assets | 0.7357% | 1,705 |
| Noninterest expense to average assets | 2.3797% | 3,937 |
| Loan and lease loss provision to assets | 0.1644% | 1,236 |
| Net operating income to assets | 1.0225% | 2,919 |
| Return on assets (ROA) | 1.0249% | 2,894 |
| Pretax return on assets | 1.2811% | 2,575 |
| Return on Equity (ROE) | 9.4234% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.5881% | 1,016 |
| Net charge-offs to loans | 0.0829% | 1,953 |
| Credit loss provision to net charge-offs | 301.8644% | 1,025 |
| Earnings coverage of net charge-offs (x) | 26.4847% | 1,721 |
| Efficiency ratio | 61.7217% | 3,578 |
| Assets per employee ($millions) | 6.0465% | 1,487 |
| Cash dividends to net income (ytd only)* | 8.8641% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 999 |
| Loan loss allowance to noncurrent loans | 112.1910% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 1,127 |
| Noncurrent loans to loans | 1.4382% | 1,077 |
| Net loans and leases to total assets | 65.9227% | 3,145 |
| Net loans and leases to deposits | 76.6136% | 3,307 |
| Net loans and leases to core deposits | 93.2772% | 2,290 |
| Total domestic deposits to total assets | 86.0458% | 2,204 |
| Equity capital to assets | 11.0411% | 2,646 |
| Core capital (leverage) ratio | 10.8350% | 2,693 |
| Tier 1 risk-based capital ratio | 12.4306% | 4,179 |
| Total risk-based capital ratio | 13.6832% | 4,051 |
| Memoranda: | ||
| Average total assets | $1,083,178,600 | 708 |
| Average earning assets | $1,002,776,200 | 704 |
| Average equity | $117,803,000 | 730 |
| Average total loans | $711,435,800 | 779 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 3,276 |
| Cost of funding earning assets | 0.9268% | 814 |
| Net interest margin | 3.2853% | 4,322 |
| Noninterest income to average assets | 0.7665% | 1,595 |
| Noninterest expense to average assets | 2.4273% | 3,791 |
| Loan and lease loss provision to assets | 0.1617% | 1,189 |
| Net operating income to assets | 0.9813% | 3,171 |
| Return on assets (ROA) | 0.9834% | 3,174 |
| Pretax return on assets | 1.2256% | 2,894 |
| Return on Equity (ROE) | 9.0779% | 3,045 |
| Retained earnings to average equity (ytd only) | 8.1032% | 1,600 |
| Net charge-offs to loans | 0.0998% | 1,496 |
| Credit loss provision to net charge-offs | 248.0989% | 1,188 |
| Earnings coverage of net charge-offs (x) | 21.2413% | 1,930 |
| Efficiency ratio | 63.1360% | 3,314 |
| Assets per employee ($millions) | 6.0910% | 1,429 |
| Cash dividends to net income (ytd only)* | 10.7372% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,167 |
| Loan loss allowance to noncurrent loans | 96.9778% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 1,060 |
| Noncurrent loans to loans | 1.6102% | 983 |
| Net loans and leases to total assets | 66.7892% | 3,093 |
| Net loans and leases to deposits | 80.6209% | 2,971 |
| Net loans and leases to core deposits | 99.1090% | 1,862 |
| Total domestic deposits to total assets | 82.8435% | 3,361 |
| Equity capital to assets | 10.8347% | 2,815 |
| Core capital (leverage) ratio | 10.6339% | 2,950 |
| Tier 1 risk-based capital ratio | 12.3689% | 4,272 |
| Total risk-based capital ratio | 13.6216% | 4,165 |
| Memoranda: | ||
| Average total assets | $1,075,833,250 | 711 |
| Average earning assets | $997,293,750 | 708 |
| Average equity | $116,544,000 | 730 |
| Average total loans | $702,930,250 | 782 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 3,303 |
| Cost of funding earning assets | 0.8500% | 917 |
| Net interest margin | 3.2928% | 4,269 |
| Noninterest income to average assets | 0.8326% | 1,377 |
| Noninterest expense to average assets | 2.4279% | 3,831 |
| Loan and lease loss provision to assets | 0.1422% | 1,366 |
| Net operating income to assets | 1.0520% | 2,796 |
| Return on assets (ROA) | 1.0526% | 2,787 |
| Pretax return on assets | 1.3145% | 2,446 |
| Return on Equity (ROE) | 9.7171% | 2,702 |
| Retained earnings to average equity (ytd only) | 8.7861% | 1,285 |
| Net charge-offs to loans | 0.0058% | 2,946 |
| Credit loss provision to net charge-offs | 3,800.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 389.1000% | 235 |
| Efficiency ratio | 61.9779% | 3,628 |
| Assets per employee ($millions) | 5.9513% | 1,501 |
| Cash dividends to net income (ytd only)* | 9.5805% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 1,042 |
| Loan loss allowance to noncurrent loans | 103.3476% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 1,136 |
| Noncurrent loans to loans | 1.5730% | 1,037 |
| Net loans and leases to total assets | 65.3995% | 3,225 |
| Net loans and leases to deposits | 79.6654% | 2,986 |
| Net loans and leases to core deposits | 94.1049% | 2,210 |
| Total domestic deposits to total assets | 82.0928% | 3,693 |
| Equity capital to assets | 10.9759% | 2,658 |
| Core capital (leverage) ratio | 10.6607% | 2,852 |
| Tier 1 risk-based capital ratio | 13.1867% | 3,797 |
| Total risk-based capital ratio | 14.4417% | 3,708 |
| Memoranda: | ||
| Average total assets | $1,068,987,330 | 716 |
| Average earning assets | $990,570,670 | 714 |
| Average equity | $115,796,000 | 734 |
| Average total loans | $689,282,670 | 798 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 3,630 |
| Cost of funding earning assets | 0.7920% | 982 |
| Net interest margin | 3.2025% | 4,445 |
| Noninterest income to average assets | 0.9941% | 922 |
| Noninterest expense to average assets | 2.4044% | 3,930 |
| Loan and lease loss provision to assets | 0.1423% | 1,325 |
| Net operating income to assets | 1.1275% | 2,296 |
| Return on assets (ROA) | 1.1275% | 2,315 |
| Pretax return on assets | 1.4129% | 1,963 |
| Return on Equity (ROE) | 10.4782% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.0022% | 1,460 |
| Net charge-offs to loans | -0.0655% | 5,081 |
| Credit loss provision to net charge-offs | -342.3423% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2024% | 4,037 |
| Assets per employee ($millions) | 6.0601% | 1,462 |
| Cash dividends to net income (ytd only)* | 14.0864% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 993 |
| Loan loss allowance to noncurrent loans | 101.1067% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2772% | 1,161 |
| Noncurrent loans to loans | 1.6616% | 1,036 |
| Net loans and leases to total assets | 62.5132% | 3,486 |
| Net loans and leases to deposits | 73.2649% | 3,488 |
| Net loans and leases to core deposits | 86.4245% | 2,767 |
| Total domestic deposits to total assets | 85.3248% | 2,817 |
| Equity capital to assets | 10.8964% | 2,685 |
| Core capital (leverage) ratio | 10.5101% | 2,930 |
| Tier 1 risk-based capital ratio | 13.2335% | 3,826 |
| Total risk-based capital ratio | 14.4885% | 3,722 |
| Memoranda: | ||
| Average total assets | $1,067,864,000 | 718 |
| Average earning assets | $988,853,000 | 717 |
| Average equity | $114,905,000 | 742 |
| Average total loans | $677,844,500 | 809 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 3,361 |
| Cost of funding earning assets | 0.6941% | 1,058 |
| Net interest margin | 3.3183% | 4,102 |
| Noninterest income to average assets | 0.8489% | 1,409 |
| Noninterest expense to average assets | 2.3346% | 4,244 |
| Loan and lease loss provision to assets | 0.2446% | 779 |
| Net operating income to assets | 0.9641% | 2,387 |
| Return on assets (ROA) | 0.9093% | 2,686 |
| Pretax return on assets | 1.2661% | 2,484 |
| Return on Equity (ROE) | 8.8015% | 2,403 |
| Retained earnings to average equity (ytd only) | 8.0063% | 760 |
| Net charge-offs to loans | 0.2212% | 1,172 |
| Credit loss provision to net charge-offs | 177.9301% | 1,519 |
| Earnings coverage of net charge-offs (x) | 11.5435% | 2,565 |
| Efficiency ratio | 59.0034% | 4,414 |
| Assets per employee ($millions) | 6.0405% | 1,489 |
| Cash dividends to net income (ytd only)* | 9.0344% | 3,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 1,162 |
| Loan loss allowance to noncurrent loans | 93.6080% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 1,121 |
| Noncurrent loans to loans | 1.6990% | 964 |
| Net loans and leases to total assets | 62.3656% | 3,571 |
| Net loans and leases to deposits | 75.5901% | 3,368 |
| Net loans and leases to core deposits | 90.9925% | 2,464 |
| Total domestic deposits to total assets | 82.5049% | 3,731 |
| Equity capital to assets | 10.6260% | 3,022 |
| Core capital (leverage) ratio | 10.1401% | 3,257 |
| Tier 1 risk-based capital ratio | 12.6276% | 4,130 |
| Total risk-based capital ratio | 13.8811% | 4,018 |
| Memoranda: | ||
| Average total assets | $1,061,454,400 | 699 |
| Average earning assets | $982,785,400 | 692 |
| Average equity | $109,663,400 | 747 |
| Average total loans | $659,462,400 | 791 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 3,458 |
| Cost of funding earning assets | 0.6631% | 1,161 |
| Net interest margin | 3.3091% | 4,140 |
| Noninterest income to average assets | 0.9327% | 1,185 |
| Noninterest expense to average assets | 2.4426% | 3,908 |
| Loan and lease loss provision to assets | 0.2656% | 628 |
| Net operating income to assets | 1.0471% | 2,346 |
| Return on assets (ROA) | 1.0119% | 2,547 |
| Pretax return on assets | 1.2505% | 2,705 |
| Return on Equity (ROE) | 9.8662% | 2,188 |
| Retained earnings to average equity (ytd only) | 8.9189% | 872 |
| Net charge-offs to loans | 0.1476% | 1,362 |
| Credit loss provision to net charge-offs | 291.1602% | 1,020 |
| Earnings coverage of net charge-offs (x) | 17.0939% | 2,123 |
| Efficiency ratio | 60.5088% | 4,129 |
| Assets per employee ($millions) | 6.2246% | 1,363 |
| Cash dividends to net income (ytd only)* | 9.6015% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 1,134 |
| Loan loss allowance to noncurrent loans | 78.6769% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.4310% | 1,081 |
| Noncurrent loans to loans | 2.0979% | 791 |
| Net loans and leases to total assets | 61.6890% | 3,683 |
| Net loans and leases to deposits | 74.0829% | 3,552 |
| Net loans and leases to core deposits | 88.9132% | 2,696 |
| Total domestic deposits to total assets | 83.2702% | 3,369 |
| Equity capital to assets | 10.5489% | 3,317 |
| Core capital (leverage) ratio | 9.9113% | 3,682 |
| Tier 1 risk-based capital ratio | 12.4987% | 4,310 |
| Total risk-based capital ratio | 13.7525% | 4,228 |
| Memoranda: | ||
| Average total assets | $1,058,015,000 | 703 |
| Average earning assets | $981,438,250 | 694 |
| Average equity | $108,516,250 | 759 |
| Average total loans | $653,978,250 | 801 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 3,421 |
| Cost of funding earning assets | 0.6234% | 1,315 |
| Net interest margin | 3.3137% | 4,065 |
| Noninterest income to average assets | 0.7472% | 1,781 |
| Noninterest expense to average assets | 2.4158% | 4,006 |
| Loan and lease loss provision to assets | 0.2782% | 570 |
| Net operating income to assets | 0.8200% | 3,296 |
| Return on assets (ROA) | 0.8413% | 3,245 |
| Pretax return on assets | 1.1554% | 2,958 |
| Return on Equity (ROE) | 8.2827% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.3653% | 1,418 |
| Net charge-offs to loans | 0.1376% | 1,333 |
| Credit loss provision to net charge-offs | 328.6996% | 901 |
| Earnings coverage of net charge-offs (x) | 16.5919% | 1,975 |
| Efficiency ratio | 62.6857% | 3,869 |
| Assets per employee ($millions) | 6.3739% | 1,217 |
| Cash dividends to net income (ytd only)* | 11.0760% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 1,234 |
| Loan loss allowance to noncurrent loans | 71.5908% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.6207% | 910 |
| Noncurrent loans to loans | 2.2512% | 715 |
| Net loans and leases to total assets | 61.1150% | 3,735 |
| Net loans and leases to deposits | 75.4618% | 3,412 |
| Net loans and leases to core deposits | 86.2521% | 2,854 |
| Total domestic deposits to total assets | 80.9880% | 4,189 |
| Equity capital to assets | 10.2297% | 3,646 |
| Core capital (leverage) ratio | 9.7153% | 3,878 |
| Tier 1 risk-based capital ratio | 12.1555% | 4,522 |
| Total risk-based capital ratio | 13.4087% | 4,403 |
| Memoranda: | ||
| Average total assets | $1,053,811,330 | 708 |
| Average earning assets | $977,275,670 | 701 |
| Average equity | $107,042,000 | 769 |
| Average total loans | $648,123,670 | 811 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 3,206 |
| Cost of funding earning assets | 0.5894% | 1,446 |
| Net interest margin | 3.3603% | 3,798 |
| Noninterest income to average assets | 0.8981% | 1,250 |
| Noninterest expense to average assets | 2.4793% | 3,882 |
| Loan and lease loss provision to assets | 0.2920% | 478 |
| Net operating income to assets | 0.8916% | 2,804 |
| Return on assets (ROA) | 0.9073% | 2,778 |
| Pretax return on assets | 1.2620% | 2,378 |
| Return on Equity (ROE) | 8.9647% | 2,439 |
| Retained earnings to average equity (ytd only) | 7.4410% | 1,675 |
| Net charge-offs to loans | 0.2339% | 768 |
| Credit loss provision to net charge-offs | 204.0107% | 1,004 |
| Earnings coverage of net charge-offs (x) | 10.7059% | 1,922 |
| Efficiency ratio | 61.2802% | 4,270 |
| Assets per employee ($millions) | 6.4248% | 1,221 |
| Cash dividends to net income (ytd only)* | 16.9970% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 1,481 |
| Loan loss allowance to noncurrent loans | 207.8920% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 2,522 |
| Noncurrent loans to loans | 0.7503% | 2,611 |
| Net loans and leases to total assets | 60.4285% | 3,740 |
| Net loans and leases to deposits | 72.5105% | 3,562 |
| Net loans and leases to core deposits | 80.6031% | 3,240 |
| Total domestic deposits to total assets | 83.3376% | 3,723 |
| Equity capital to assets | 10.1449% | 3,580 |
| Core capital (leverage) ratio | 9.6947% | 3,879 |
| Tier 1 risk-based capital ratio | 12.2927% | 4,511 |
| Total risk-based capital ratio | 13.5349% | 4,421 |
| Memoranda: | ||
| Average total assets | $1,045,312,500 | 717 |
| Average earning assets | $968,482,000 | 710 |
| Average equity | $105,792,500 | 774 |
| Average total loans | $639,613,000 | 824 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 3,171 |
| Cost of funding earning assets | 0.5060% | 2,041 |
| Net interest margin | 3.5014% | 3,426 |
| Noninterest income to average assets | 0.6776% | 2,279 |
| Noninterest expense to average assets | 2.2239% | 4,718 |
| Loan and lease loss provision to assets | 0.1787% | 1,345 |
| Net operating income to assets | 1.0749% | 2,013 |
| Return on assets (ROA) | 1.1158% | 1,927 |
| Pretax return on assets | 1.5892% | 1,317 |
| Return on Equity (ROE) | 10.9991% | 1,576 |
| Retained earnings to average equity (ytd only) | 10.2102% | 382 |
| Net charge-offs to loans | 0.2023% | 1,372 |
| Credit loss provision to net charge-offs | 147.6620% | 1,858 |
| Earnings coverage of net charge-offs (x) | 14.1231% | 2,312 |
| Efficiency ratio | 56.2254% | 5,045 |
| Assets per employee ($millions) | 6.0266% | 1,465 |
| Cash dividends to net income (ytd only)* | 7.1727% | 4,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,554 |
| Loan loss allowance to noncurrent loans | 448.6586% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 3,448 |
| Noncurrent loans to loans | 0.3419% | 3,911 |
| Net loans and leases to total assets | 60.0749% | 3,840 |
| Net loans and leases to deposits | 74.1618% | 3,493 |
| Net loans and leases to core deposits | 81.4164% | 3,269 |
| Total domestic deposits to total assets | 81.0053% | 4,329 |
| Equity capital to assets | 10.1624% | 3,534 |
| Core capital (leverage) ratio | 9.8054% | 3,739 |
| Tier 1 risk-based capital ratio | 12.3393% | 4,483 |
| Total risk-based capital ratio | 13.5556% | 4,388 |
| Memoranda: | ||
| Average total assets | $1,007,075,200 | 719 |
| Average earning assets | $936,415,600 | 704 |
| Average equity | $102,163,000 | 775 |
| Average total loans | $602,548,600 | 827 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 3,121 |
| Cost of funding earning assets | 0.4913% | 2,159 |
| Net interest margin | 3.5358% | 3,337 |
| Noninterest income to average assets | 0.6801% | 2,266 |
| Noninterest expense to average assets | 2.2099% | 4,743 |
| Loan and lease loss provision to assets | 0.1500% | 1,559 |
| Net operating income to assets | 1.1246% | 1,895 |
| Return on assets (ROA) | 1.1770% | 1,819 |
| Pretax return on assets | 1.6861% | 1,153 |
| Return on Equity (ROE) | 11.6075% | 1,453 |
| Retained earnings to average equity (ytd only) | 10.6566% | 465 |
| Net charge-offs to loans | 0.1512% | 1,483 |
| Credit loss provision to net charge-offs | 166.6667% | 1,654 |
| Earnings coverage of net charge-offs (x) | 19.5644% | 1,925 |
| Efficiency ratio | 55.3600% | 5,120 |
| Assets per employee ($millions) | 6.2684% | 1,253 |
| Cash dividends to net income (ytd only)* | 8.1927% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,535 |
| Loan loss allowance to noncurrent loans | 488.9627% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 3,613 |
| Noncurrent loans to loans | 0.3234% | 4,097 |
| Net loans and leases to total assets | 59.3780% | 3,960 |
| Net loans and leases to deposits | 72.9903% | 3,704 |
| Net loans and leases to core deposits | 79.3370% | 3,516 |
| Total domestic deposits to total assets | 81.3505% | 4,153 |
| Equity capital to assets | 10.5312% | 3,529 |
| Core capital (leverage) ratio | 9.9075% | 3,686 |
| Tier 1 risk-based capital ratio | 12.7365% | 4,319 |
| Total risk-based capital ratio | 13.9729% | 4,241 |
| Memoranda: | ||
| Average total assets | $999,698,500 | 723 |
| Average earning assets | $930,542,250 | 709 |
| Average equity | $101,368,250 | 786 |
| Average total loans | $595,079,250 | 839 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 3,215 |
| Cost of funding earning assets | 0.4672% | 2,405 |
| Net interest margin | 3.5397% | 3,329 |
| Noninterest income to average assets | 0.7196% | 2,052 |
| Noninterest expense to average assets | 2.2123% | 4,815 |
| Loan and lease loss provision to assets | 0.1502% | 1,525 |
| Net operating income to assets | 1.1493% | 1,777 |
| Return on assets (ROA) | 1.2149% | 1,643 |
| Pretax return on assets | 1.7468% | 984 |
| Return on Equity (ROE) | 12.1380% | 1,262 |
| Retained earnings to average equity (ytd only) | 11.2276% | 409 |
| Net charge-offs to loans | 0.1910% | 1,200 |
| Credit loss provision to net charge-offs | 132.7434% | 1,750 |
| Earnings coverage of net charge-offs (x) | 15.9363% | 1,960 |
| Efficiency ratio | 54.8030% | 5,253 |
| Assets per employee ($millions) | 6.8585% | 924 |
| Cash dividends to net income (ytd only)* | 7.5008% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 1,682 |
| Loan loss allowance to noncurrent loans | 447.0927% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 3,709 |
| Noncurrent loans to loans | 0.3463% | 4,134 |
| Net loans and leases to total assets | 58.6789% | 4,052 |
| Net loans and leases to deposits | 72.6089% | 3,738 |
| Net loans and leases to core deposits | 77.9050% | 3,650 |
| Total domestic deposits to total assets | 80.8150% | 4,325 |
| Equity capital to assets | 10.2808% | 3,884 |
| Core capital (leverage) ratio | 9.5584% | 4,119 |
| Tier 1 risk-based capital ratio | 12.6158% | 4,436 |
| Total risk-based capital ratio | 13.8374% | 4,371 |
| Memoranda: | ||
| Average total assets | $998,616,000 | 725 |
| Average earning assets | $929,844,330 | 710 |
| Average equity | $99,950,330 | 794 |
| Average total loans | $591,739,670 | 838 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 3,102 |
| Cost of funding earning assets | 0.4486% | 2,601 |
| Net interest margin | 3.5841% | 3,148 |
| Noninterest income to average assets | 0.8682% | 1,387 |
| Noninterest expense to average assets | 2.2885% | 4,694 |
| Loan and lease loss provision to assets | 0.1509% | 1,407 |
| Net operating income to assets | 1.2254% | 1,475 |
| Return on assets (ROA) | 1.2574% | 1,481 |
| Pretax return on assets | 1.8160% | 824 |
| Return on Equity (ROE) | 12.7380% | 1,093 |
| Retained earnings to average equity (ytd only) | 11.1886% | 621 |
| Net charge-offs to loans | 0.0313% | 2,325 |
| Credit loss provision to net charge-offs | 815.2174% | 429 |
| Earnings coverage of net charge-offs (x) | 103.7391% | 526 |
| Efficiency ratio | 54.0926% | 5,378 |
| Assets per employee ($millions) | 6.5058% | 1,110 |
| Cash dividends to net income (ytd only)* | 12.1639% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 1,590 |
| Loan loss allowance to noncurrent loans | 263.3222% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 3,714 |
| Noncurrent loans to loans | 0.6095% | 3,347 |
| Net loans and leases to total assets | 58.1919% | 4,023 |
| Net loans and leases to deposits | 69.7235% | 3,880 |
| Net loans and leases to core deposits | 74.1994% | 3,872 |
| Total domestic deposits to total assets | 83.4609% | 3,727 |
| Equity capital to assets | 10.0372% | 4,032 |
| Core capital (leverage) ratio | 9.4635% | 4,254 |
| Tier 1 risk-based capital ratio | 12.4681% | 4,602 |
| Total risk-based capital ratio | 13.7200% | 4,512 |
| Memoranda: | ||
| Average total assets | $993,824,500 | 730 |
| Average earning assets | $926,424,500 | 711 |
| Average equity | $98,100,000 | 807 |
| Average total loans | $587,157,500 | 840 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 3,493 |
| Cost of funding earning assets | 0.4163% | 2,983 |
| Net interest margin | 3.5393% | 3,378 |
| Noninterest income to average assets | 0.6285% | 2,568 |
| Noninterest expense to average assets | 2.2907% | 4,817 |
| Loan and lease loss provision to assets | 0.0279% | 3,814 |
| Net operating income to assets | 1.2022% | 1,540 |
| Return on assets (ROA) | 1.1922% | 1,655 |
| Pretax return on assets | 1.5793% | 1,313 |
| Return on Equity (ROE) | 12.5016% | 1,178 |
| Retained earnings to average equity (ytd only) | 11.6736% | 278 |
| Net charge-offs to loans | -0.2785% | 6,004 |
| Credit loss provision to net charge-offs | -18.1574% | 4,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2617% | 5,111 |
| Assets per employee ($millions) | 6.3970% | 1,142 |
| Cash dividends to net income (ytd only)* | 6.6233% | 4,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,773 |
| Loan loss allowance to noncurrent loans | 659.3637% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 4,591 |
| Noncurrent loans to loans | 0.2362% | 4,580 |
| Net loans and leases to total assets | 58.1429% | 4,068 |
| Net loans and leases to deposits | 74.5228% | 3,431 |
| Net loans and leases to core deposits | 78.1433% | 3,535 |
| Total domestic deposits to total assets | 78.0203% | 5,159 |
| Equity capital to assets | 9.8270% | 4,162 |
| Core capital (leverage) ratio | 9.4864% | 4,191 |
| Tier 1 risk-based capital ratio | 12.1483% | 4,859 |
| Total risk-based capital ratio | 13.3693% | 4,777 |
| Memoranda: | ||
| Average total assets | $966,314,800 | 717 |
| Average earning assets | $896,271,000 | 701 |
| Average equity | $92,148,000 | 821 |
| Average total loans | $533,969,600 | 878 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 3,686 |
| Cost of funding earning assets | 0.4184% | 3,021 |
| Net interest margin | 3.5009% | 3,529 |
| Noninterest income to average assets | 0.6847% | 2,304 |
| Noninterest expense to average assets | 2.2219% | 4,987 |
| Loan and lease loss provision to assets | 0.0375% | 3,460 |
| Net operating income to assets | 1.2309% | 1,552 |
| Return on assets (ROA) | 1.2176% | 1,656 |
| Pretax return on assets | 1.6508% | 1,238 |
| Return on Equity (ROE) | 12.8698% | 1,156 |
| Retained earnings to average equity (ytd only) | 11.8466% | 385 |
| Net charge-offs to loans | -0.4557% | 6,142 |
| Credit loss provision to net charge-offs | -15.1600% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2599% | 5,319 |
| Assets per employee ($millions) | 6.1324% | 1,279 |
| Cash dividends to net income (ytd only)* | 7.9503% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 1,428 |
| Loan loss allowance to noncurrent loans | 731.3908% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 4,740 |
| Noncurrent loans to loans | 0.2350% | 4,730 |
| Net loans and leases to total assets | 55.8934% | 4,365 |
| Net loans and leases to deposits | 71.1381% | 3,855 |
| Net loans and leases to core deposits | 73.9867% | 4,016 |
| Total domestic deposits to total assets | 78.5702% | 5,075 |
| Equity capital to assets | 9.8994% | 4,287 |
| Core capital (leverage) ratio | 9.2819% | 4,608 |
| Tier 1 risk-based capital ratio | 12.6968% | 4,615 |
| Total risk-based capital ratio | 13.9493% | 4,525 |
| Memoranda: | ||
| Average total assets | $960,008,750 | 726 |
| Average earning assets | $889,387,250 | 715 |
| Average equity | $90,825,250 | 843 |
| Average total loans | $521,054,750 | 904 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 3,750 |
| Cost of funding earning assets | 0.4187% | 3,048 |
| Net interest margin | 3.4660% | 3,637 |
| Noninterest income to average assets | 0.7109% | 2,172 |
| Noninterest expense to average assets | 2.2478% | 4,983 |
| Loan and lease loss provision to assets | 0.0563% | 2,975 |
| Net operating income to assets | 1.2256% | 1,524 |
| Return on assets (ROA) | 1.2153% | 1,637 |
| Pretax return on assets | 1.6009% | 1,326 |
| Return on Equity (ROE) | 13.0482% | 1,103 |
| Retained earnings to average equity (ytd only) | 12.0788% | 389 |
| Net charge-offs to loans | -0.8711% | 6,261 |
| Credit loss provision to net charge-offs | -12.1022% | 4,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0539% | 5,332 |
| Assets per employee ($millions) | 6.1242% | 1,262 |
| Cash dividends to net income (ytd only)* | 7.4296% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8587% | 1,251 |
| Loan loss allowance to noncurrent loans | 637.5566% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 4,730 |
| Noncurrent loans to loans | 0.2915% | 4,639 |
| Net loans and leases to total assets | 54.5114% | 4,500 |
| Net loans and leases to deposits | 66.4040% | 4,301 |
| Net loans and leases to core deposits | 68.0544% | 4,490 |
| Total domestic deposits to total assets | 82.0905% | 4,264 |
| Equity capital to assets | 9.6041% | 4,526 |
| Core capital (leverage) ratio | 8.9732% | 5,005 |
| Tier 1 risk-based capital ratio | 12.5576% | 4,771 |
| Total risk-based capital ratio | 13.8116% | 4,685 |
| Memoranda: | ||
| Average total assets | $959,083,330 | 731 |
| Average earning assets | $887,597,670 | 719 |
| Average equity | $89,330,330 | 862 |
| Average total loans | $512,224,330 | 917 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 3,845 |
| Cost of funding earning assets | 0.4208% | 3,064 |
| Net interest margin | 3.4233% | 3,741 |
| Noninterest income to average assets | 0.8180% | 1,644 |
| Noninterest expense to average assets | 2.2753% | 4,941 |
| Loan and lease loss provision to assets | 0.1124% | 1,836 |
| Net operating income to assets | 1.1172% | 1,803 |
| Return on assets (ROA) | 1.1172% | 1,911 |
| Pretax return on assets | 1.5830% | 1,309 |
| Return on Equity (ROE) | 12.1837% | 1,296 |
| Retained earnings to average equity (ytd only) | 10.5132% | 810 |
| Net charge-offs to loans | -1.8584% | 6,355 |
| Credit loss provision to net charge-offs | -11.5533% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9976% | 5,438 |
| Assets per employee ($millions) | 6.2329% | 1,236 |
| Cash dividends to net income (ytd only)* | 13.7109% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9580% | 1,164 |
| Loan loss allowance to noncurrent loans | 1,420.0855% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 5,151 |
| Noncurrent loans to loans | 0.1379% | 5,282 |
| Net loans and leases to total assets | 51.3392% | 4,715 |
| Net loans and leases to deposits | 61.5179% | 4,622 |
| Net loans and leases to core deposits | 62.9734% | 4,782 |
| Total domestic deposits to total assets | 83.4541% | 4,025 |
| Equity capital to assets | 9.2258% | 5,052 |
| Core capital (leverage) ratio | 8.7376% | 5,282 |
| Tier 1 risk-based capital ratio | 12.5553% | 4,869 |
| Total risk-based capital ratio | 13.8099% | 4,781 |
| Memoranda: | ||
| Average total assets | $960,937,500 | 724 |
| Average earning assets | $884,988,000 | 720 |
| Average equity | $88,118,000 | 876 |
| Average total loans | $503,011,000 | 930 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,645 |
| Cost of funding earning assets | 0.5007% | 2,673 |
| Net interest margin | 3.5197% | 3,719 |
| Noninterest income to average assets | 0.7385% | 2,127 |
| Noninterest expense to average assets | 2.1573% | 5,439 |
| Loan and lease loss provision to assets | 0.0903% | 2,662 |
| Net operating income to assets | 1.2628% | 1,395 |
| Return on assets (ROA) | 1.2653% | 1,442 |
| Pretax return on assets | 1.7671% | 853 |
| Return on Equity (ROE) | 13.7428% | 985 |
| Retained earnings to average equity (ytd only) | 10.8956% | 388 |
| Net charge-offs to loans | 0.0352% | 4,127 |
| Credit loss provision to net charge-offs | 487.7301% | 536 |
| Earnings coverage of net charge-offs (x) | 100.1288% | 524 |
| Efficiency ratio | 53.4491% | 5,887 |
| Assets per employee ($millions) | 6.2067% | 1,246 |
| Cash dividends to net income (ytd only)* | 20.7181% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 2,558 |
| Loan loss allowance to noncurrent loans | 1,045.7386% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 5,186 |
| Noncurrent loans to loans | 0.1417% | 5,328 |
| Net loans and leases to total assets | 51.5473% | 4,828 |
| Net loans and leases to deposits | 64.5937% | 4,468 |
| Net loans and leases to core deposits | 66.2621% | 4,652 |
| Total domestic deposits to total assets | 79.8025% | 5,067 |
| Equity capital to assets | 9.1401% | 5,137 |
| Core capital (leverage) ratio | 8.6381% | 5,398 |
| Tier 1 risk-based capital ratio | 12.2993% | 5,150 |
| Total risk-based capital ratio | 13.4545% | 5,137 |
| Memoranda: | ||
| Average total assets | $880,392,000 | 759 |
| Average earning assets | $818,581,800 | 747 |
| Average equity | $81,060,400 | 905 |
| Average total loans | $462,597,200 | 958 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,667 |
| Cost of funding earning assets | 0.5136% | 2,623 |
| Net interest margin | 3.5105% | 3,789 |
| Noninterest income to average assets | 0.7173% | 2,249 |
| Noninterest expense to average assets | 2.1498% | 5,464 |
| Loan and lease loss provision to assets | 0.0811% | 2,727 |
| Net operating income to assets | 1.2564% | 1,508 |
| Return on assets (ROA) | 1.2573% | 1,563 |
| Pretax return on assets | 1.7602% | 961 |
| Return on Equity (ROE) | 13.6283% | 1,068 |
| Retained earnings to average equity (ytd only) | 13.3504% | 294 |
| Net charge-offs to loans | 0.0590% | 3,364 |
| Credit loss provision to net charge-offs | 261.1940% | 1,015 |
| Earnings coverage of net charge-offs (x) | 59.2594% | 870 |
| Efficiency ratio | 53.5370% | 5,869 |
| Assets per employee ($millions) | 6.2059% | 1,196 |
| Cash dividends to net income (ytd only)* | 2.0396% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 3,012 |
| Loan loss allowance to noncurrent loans | 881.7500% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 5,279 |
| Noncurrent loans to loans | 0.1628% | 5,423 |
| Net loans and leases to total assets | 54.2133% | 4,554 |
| Net loans and leases to deposits | 67.6128% | 4,172 |
| Net loans and leases to core deposits | 69.5350% | 4,370 |
| Total domestic deposits to total assets | 80.1820% | 5,056 |
| Equity capital to assets | 9.5740% | 4,704 |
| Core capital (leverage) ratio | 8.8588% | 5,253 |
| Tier 1 risk-based capital ratio | 12.5059% | 5,166 |
| Total risk-based capital ratio | 13.6443% | 5,162 |
| Memoranda: | ||
| Average total assets | $863,083,500 | 777 |
| Average earning assets | $804,574,250 | 760 |
| Average equity | $79,626,250 | 925 |
| Average total loans | $454,029,250 | 976 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 3,729 |
| Cost of funding earning assets | 0.5187% | 2,650 |
| Net interest margin | 3.4807% | 3,856 |
| Noninterest income to average assets | 0.7237% | 2,169 |
| Noninterest expense to average assets | 2.1656% | 5,494 |
| Loan and lease loss provision to assets | 0.1231% | 2,003 |
| Net operating income to assets | 1.1964% | 1,600 |
| Return on assets (ROA) | 1.1936% | 1,680 |
| Pretax return on assets | 1.6759% | 1,072 |
| Return on Equity (ROE) | 13.1103% | 1,147 |
| Retained earnings to average equity (ytd only) | 12.9016% | 344 |
| Net charge-offs to loans | 0.0435% | 3,358 |
| Credit loss provision to net charge-offs | 546.8750% | 547 |
| Earnings coverage of net charge-offs (x) | 80.0938% | 663 |
| Efficiency ratio | 54.2189% | 5,895 |
| Assets per employee ($millions) | 6.1113% | 1,214 |
| Cash dividends to net income (ytd only)* | 1.5914% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 2,693 |
| Loan loss allowance to noncurrent loans | 677.2942% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 5,261 |
| Noncurrent loans to loans | 0.2281% | 5,317 |
| Net loans and leases to total assets | 52.9515% | 4,648 |
| Net loans and leases to deposits | 67.0880% | 4,152 |
| Net loans and leases to core deposits | 68.7713% | 4,394 |
| Total domestic deposits to total assets | 78.9284% | 5,473 |
| Equity capital to assets | 9.6026% | 4,622 |
| Core capital (leverage) ratio | 8.7956% | 5,276 |
| Tier 1 risk-based capital ratio | 12.3602% | 5,329 |
| Total risk-based capital ratio | 13.5479% | 5,282 |
| Memoranda: | ||
| Average total assets | $852,896,330 | 791 |
| Average earning assets | $795,121,670 | 770 |
| Average equity | $77,649,000 | 937 |
| Average total loans | $441,529,670 | 1,000 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 4,175 |
| Cost of funding earning assets | 0.5206% | 2,710 |
| Net interest margin | 3.3591% | 4,296 |
| Noninterest income to average assets | 0.7698% | 1,873 |
| Noninterest expense to average assets | 2.1652% | 5,544 |
| Loan and lease loss provision to assets | 0.2475% | 875 |
| Net operating income to assets | 1.0304% | 2,081 |
| Return on assets (ROA) | 1.0437% | 2,107 |
| Pretax return on assets | 1.5034% | 1,419 |
| Return on Equity (ROE) | 11.7921% | 1,464 |
| Retained earnings to average equity (ytd only) | 11.7921% | 635 |
| Net charge-offs to loans | 0.0223% | 3,131 |
| Credit loss provision to net charge-offs | 2,187.5000% | 160 |
| Earnings coverage of net charge-offs (x) | 153.0417% | 318 |
| Efficiency ratio | 55.2141% | 5,904 |
| Assets per employee ($millions) | 6.2716% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 2,544 |
| Loan loss allowance to noncurrent loans | 325.5741% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 4,876 |
| Noncurrent loans to loans | 0.5042% | 4,653 |
| Net loans and leases to total assets | 51.1724% | 4,770 |
| Net loans and leases to deposits | 60.6706% | 4,692 |
| Net loans and leases to core deposits | 62.1187% | 4,864 |
| Total domestic deposits to total assets | 84.3447% | 4,147 |
| Equity capital to assets | 9.2493% | 4,813 |
| Core capital (leverage) ratio | 8.5179% | 5,616 |
| Tier 1 risk-based capital ratio | 12.4214% | 5,356 |
| Total risk-based capital ratio | 13.6733% | 5,294 |
| Memoranda: | ||
| Average total assets | $848,496,500 | 801 |
| Average earning assets | $789,859,500 | 784 |
| Average equity | $75,101,000 | 976 |
| Average total loans | $430,574,500 | 1,026 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 4,533 |
| Cost of funding earning assets | 0.5998% | 2,659 |
| Net interest margin | 3.2812% | 4,735 |
| Noninterest income to average assets | 0.5196% | 3,638 |
| Noninterest expense to average assets | 1.9090% | 6,172 |
| Loan and lease loss provision to assets | 0.1911% | 1,932 |
| Net operating income to assets | 1.0266% | 2,214 |
| Return on assets (ROA) | 0.9035% | 2,843 |
| Pretax return on assets | 1.3177% | 2,084 |
| Return on Equity (ROE) | 10.1548% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.1925% | 1,854 |
| Net charge-offs to loans | 0.1312% | 3,498 |
| Credit loss provision to net charge-offs | 296.6102% | 768 |
| Earnings coverage of net charge-offs (x) | 26.1827% | 1,301 |
| Efficiency ratio | 52.8987% | 6,221 |
| Assets per employee ($millions) | 6.2067% | 1,141 |
| Cash dividends to net income (ytd only)* | 39.0195% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 2,761 |
| Loan loss allowance to noncurrent loans | 294.2720% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 4,844 |
| Noncurrent loans to loans | 0.5437% | 4,633 |
| Net loans and leases to total assets | 48.6787% | 5,222 |
| Net loans and leases to deposits | 58.8860% | 5,047 |
| Net loans and leases to core deposits | 60.5092% | 5,185 |
| Total domestic deposits to total assets | 82.6661% | 4,656 |
| Equity capital to assets | 8.4546% | 5,630 |
| Core capital (leverage) ratio | 8.4802% | 5,694 |
| Tier 1 risk-based capital ratio | 12.2963% | 5,431 |
| Total risk-based capital ratio | 13.4883% | 5,394 |
| Memoranda: | ||
| Average total assets | $824,033,000 | 803 |
| Average earning assets | $772,651,600 | 779 |
| Average equity | $73,315,000 | 971 |
| Average total loans | $404,735,000 | 1,055 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 4,627 |
| Cost of funding earning assets | 0.6143% | 2,696 |
| Net interest margin | 3.2503% | 4,826 |
| Noninterest income to average assets | 0.4606% | 4,072 |
| Noninterest expense to average assets | 1.8336% | 6,296 |
| Loan and lease loss provision to assets | 0.2569% | 1,385 |
| Net operating income to assets | 0.9859% | 2,440 |
| Return on assets (ROA) | 0.8227% | 3,355 |
| Pretax return on assets | 1.1931% | 2,734 |
| Return on Equity (ROE) | 9.1287% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.0265% | 1,401 |
| Net charge-offs to loans | 0.3107% | 1,986 |
| Credit loss provision to net charge-offs | 168.6296% | 1,413 |
| Earnings coverage of net charge-offs (x) | 11.0707% | 2,282 |
| Efficiency ratio | 51.9739% | 6,256 |
| Assets per employee ($millions) | 6.1970% | 1,113 |
| Cash dividends to net income (ytd only)* | 12.0737% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 3,288 |
| Loan loss allowance to noncurrent loans | 1,010.7029% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 5,635 |
| Noncurrent loans to loans | 0.1522% | 5,860 |
| Net loans and leases to total assets | 49.8954% | 5,148 |
| Net loans and leases to deposits | 60.0037% | 4,969 |
| Net loans and leases to core deposits | 61.7882% | 5,137 |
| Total domestic deposits to total assets | 83.1539% | 4,521 |
| Equity capital to assets | 8.9390% | 5,255 |
| Core capital (leverage) ratio | 8.6885% | 5,553 |
| Tier 1 risk-based capital ratio | 12.8171% | 5,250 |
| Total risk-based capital ratio | 13.9876% | 5,244 |
| Memoranda: | ||
| Average total assets | $817,460,750 | 816 |
| Average earning assets | $769,478,500 | 786 |
| Average equity | $73,671,000 | 980 |
| Average total loans | $400,754,750 | 1,070 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 4,744 |
| Cost of funding earning assets | 0.6273% | 2,711 |
| Net interest margin | 3.1979% | 4,954 |
| Noninterest income to average assets | 0.3981% | 4,543 |
| Noninterest expense to average assets | 1.7533% | 6,447 |
| Loan and lease loss provision to assets | 0.2563% | 1,445 |
| Net operating income to assets | 0.9672% | 2,480 |
| Return on assets (ROA) | 0.8670% | 3,113 |
| Pretax return on assets | 1.2634% | 2,430 |
| Return on Equity (ROE) | 9.5949% | 2,374 |
| Retained earnings to average equity (ytd only) | 8.2362% | 1,391 |
| Net charge-offs to loans | 0.4144% | 1,565 |
| Credit loss provision to net charge-offs | 127.5820% | 1,772 |
| Earnings coverage of net charge-offs (x) | 8.2880% | 2,425 |
| Efficiency ratio | 51.2639% | 6,331 |
| Assets per employee ($millions) | 6.4144% | 946 |
| Cash dividends to net income (ytd only)* | 14.1610% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 3,665 |
| Loan loss allowance to noncurrent loans | 203.4756% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 4,861 |
| Noncurrent loans to loans | 0.7282% | 4,467 |
| Net loans and leases to total assets | 48.2616% | 5,306 |
| Net loans and leases to deposits | 59.8485% | 4,994 |
| Net loans and leases to core deposits | 61.6508% | 5,128 |
| Total domestic deposits to total assets | 80.6397% | 5,440 |
| Equity capital to assets | 8.6811% | 5,575 |
| Core capital (leverage) ratio | 8.7080% | 5,409 |
| Tier 1 risk-based capital ratio | 13.2166% | 4,980 |
| Total risk-based capital ratio | 14.3392% | 5,022 |
| Memoranda: | ||
| Average total assets | $819,346,330 | 815 |
| Average earning assets | $773,827,000 | 784 |
| Average equity | $74,039,000 | 982 |
| Average total loans | $397,213,000 | 1,075 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8396% | 4,679 |
| Cost of funding earning assets | 0.6453% | 2,703 |
| Net interest margin | 3.1942% | 4,951 |
| Noninterest income to average assets | 0.4143% | 4,356 |
| Noninterest expense to average assets | 1.7505% | 6,500 |
| Loan and lease loss provision to assets | 0.2556% | 1,394 |
| Net operating income to assets | 0.9891% | 2,275 |
| Return on assets (ROA) | 0.8568% | 3,004 |
| Pretax return on assets | 1.2355% | 2,448 |
| Return on Equity (ROE) | 9.3000% | 2,352 |
| Retained earnings to average equity (ytd only) | 8.7346% | 1,473 |
| Net charge-offs to loans | 0.0141% | 3,865 |
| Credit loss provision to net charge-offs | 3,750.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 246.9286% | 157 |
| Efficiency ratio | 50.9570% | 6,443 |
| Assets per employee ($millions) | 6.7056% | 892 |
| Cash dividends to net income (ytd only)* | 6.0795% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 3,668 |
| Loan loss allowance to noncurrent loans | 431.2457% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 5,449 |
| Noncurrent loans to loans | 0.3563% | 5,505 |
| Net loans and leases to total assets | 48.9397% | 5,119 |
| Net loans and leases to deposits | 58.7743% | 4,941 |
| Net loans and leases to core deposits | 60.5443% | 5,088 |
| Total domestic deposits to total assets | 83.2671% | 4,772 |
| Equity capital to assets | 9.4069% | 4,991 |
| Core capital (leverage) ratio | 8.6156% | 5,434 |
| Tier 1 risk-based capital ratio | 13.1176% | 5,133 |
| Total risk-based capital ratio | 14.3092% | 5,128 |
| Memoranda: | ||
| Average total assets | $821,702,000 | 814 |
| Average earning assets | $776,647,000 | 787 |
| Average equity | $75,699,000 | 969 |
| Average total loans | $396,285,000 | 1,073 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 4,806 |
| Cost of funding earning assets | 0.8412% | 2,355 |
| Net interest margin | 3.2982% | 5,254 |
| Noninterest income to average assets | 0.4383% | 4,331 |
| Noninterest expense to average assets | 1.8363% | 6,577 |
| Loan and lease loss provision to assets | 0.3374% | 1,988 |
| Net operating income to assets | 0.9152% | 2,743 |
| Return on assets (ROA) | 0.8458% | 3,320 |
| Pretax return on assets | 1.2212% | 2,722 |
| Return on Equity (ROE) | 8.9579% | 2,660 |
| Retained earnings to average equity (ytd only) | 6.6390% | 1,748 |
| Net charge-offs to loans | 0.4445% | 2,449 |
| Credit loss provision to net charge-offs | 161.0905% | 1,669 |
| Earnings coverage of net charge-offs (x) | 7.9219% | 2,509 |
| Efficiency ratio | 52.5059% | 6,419 |
| Assets per employee ($millions) | 6.8762% | 816 |
| Cash dividends to net income (ytd only)* | 25.8861% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 3,892 |
| Loan loss allowance to noncurrent loans | 436.3776% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 5,572 |
| Noncurrent loans to loans | 0.3347% | 5,648 |
| Net loans and leases to total assets | 46.1044% | 5,602 |
| Net loans and leases to deposits | 56.9069% | 5,347 |
| Net loans and leases to core deposits | 58.6463% | 5,485 |
| Total domestic deposits to total assets | 81.0174% | 5,398 |
| Equity capital to assets | 9.0228% | 5,498 |
| Core capital (leverage) ratio | 8.4054% | 5,752 |
| Tier 1 risk-based capital ratio | 13.1436% | 5,006 |
| Total risk-based capital ratio | 14.2665% | 5,035 |
| Memoranda: | ||
| Average total assets | $770,551,400 | 865 |
| Average earning assets | $714,308,400 | 837 |
| Average equity | $72,751,800 | 969 |
| Average total loans | $363,136,600 | 1,151 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 4,824 |
| Cost of funding earning assets | 0.8851% | 2,271 |
| Net interest margin | 3.3125% | 5,346 |
| Noninterest income to average assets | 0.4479% | 4,310 |
| Noninterest expense to average assets | 1.8102% | 6,671 |
| Loan and lease loss provision to assets | 0.3690% | 1,760 |
| Net operating income to assets | 0.9211% | 2,872 |
| Return on assets (ROA) | 0.8533% | 3,450 |
| Pretax return on assets | 1.2285% | 2,875 |
| Return on Equity (ROE) | 8.9285% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.7992% | 1,302 |
| Net charge-offs to loans | 0.5762% | 1,897 |
| Credit loss provision to net charge-offs | 135.6262% | 2,127 |
| Earnings coverage of net charge-offs (x) | 6.2330% | 2,829 |
| Efficiency ratio | 51.6064% | 6,486 |
| Assets per employee ($millions) | 6.5331% | 939 |
| Cash dividends to net income (ytd only)* | 1.4484% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 4,284 |
| Loan loss allowance to noncurrent loans | 371.7422% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 5,258 |
| Noncurrent loans to loans | 0.3822% | 5,705 |
| Net loans and leases to total assets | 46.0688% | 5,757 |
| Net loans and leases to deposits | 58.3666% | 5,393 |
| Net loans and leases to core deposits | 60.3291% | 5,522 |
| Total domestic deposits to total assets | 78.9302% | 5,886 |
| Equity capital to assets | 9.5707% | 5,107 |
| Core capital (leverage) ratio | 8.7204% | 5,445 |
| Tier 1 risk-based capital ratio | 13.7227% | 4,744 |
| Total risk-based capital ratio | 14.8059% | 4,805 |
| Memoranda: | ||
| Average total assets | $755,183,250 | 887 |
| Average earning assets | $697,182,000 | 872 |
| Average equity | $72,171,750 | 984 |
| Average total loans | $356,599,250 | 1,173 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 4,984 |
| Cost of funding earning assets | 0.9158% | 2,290 |
| Net interest margin | 3.2754% | 5,519 |
| Noninterest income to average assets | 0.4603% | 4,205 |
| Noninterest expense to average assets | 1.8025% | 6,747 |
| Loan and lease loss provision to assets | 0.4237% | 1,541 |
| Net operating income to assets | 0.8893% | 2,962 |
| Return on assets (ROA) | 0.8219% | 3,550 |
| Pretax return on assets | 1.1754% | 3,030 |
| Return on Equity (ROE) | 8.6044% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.4073% | 1,479 |
| Net charge-offs to loans | 0.4360% | 2,299 |
| Credit loss provision to net charge-offs | 205.0781% | 1,390 |
| Earnings coverage of net charge-offs (x) | 8.2057% | 2,343 |
| Efficiency ratio | 51.4998% | 6,542 |
| Assets per employee ($millions) | 6.3364% | 1,042 |
| Cash dividends to net income (ytd only)* | 2.2913% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 3,755 |
| Loan loss allowance to noncurrent loans | 247.8398% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 4,821 |
| Noncurrent loans to loans | 0.6285% | 5,250 |
| Net loans and leases to total assets | 46.1583% | 5,808 |
| Net loans and leases to deposits | 55.0630% | 5,763 |
| Net loans and leases to core deposits | 56.7748% | 5,883 |
| Total domestic deposits to total assets | 83.8282% | 4,388 |
| Equity capital to assets | 9.6599% | 4,809 |
| Core capital (leverage) ratio | 8.5870% | 5,536 |
| Tier 1 risk-based capital ratio | 14.1082% | 4,365 |
| Total risk-based capital ratio | 15.3086% | 4,366 |
| Memoranda: | ||
| Average total assets | $743,409,000 | 907 |
| Average earning assets | $689,438,000 | 878 |
| Average equity | $71,010,000 | 991 |
| Average total loans | $352,323,670 | 1,188 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 5,136 |
| Cost of funding earning assets | 0.9461% | 2,332 |
| Net interest margin | 3.2455% | 5,638 |
| Noninterest income to average assets | 0.4677% | 4,160 |
| Noninterest expense to average assets | 1.8301% | 6,761 |
| Loan and lease loss provision to assets | 0.5663% | 1,025 |
| Net operating income to assets | 0.7764% | 3,499 |
| Return on assets (ROA) | 0.6866% | 4,164 |
| Pretax return on assets | 0.9581% | 3,842 |
| Return on Equity (ROE) | 7.2301% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.8307% | 2,511 |
| Net charge-offs to loans | 0.8769% | 1,168 |
| Credit loss provision to net charge-offs | 135.5383% | 1,815 |
| Earnings coverage of net charge-offs (x) | 3.9468% | 2,708 |
| Efficiency ratio | 52.5701% | 6,490 |
| Assets per employee ($millions) | 6.3508% | 1,057 |
| Cash dividends to net income (ytd only)* | 5.5249% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 4,616 |
| Loan loss allowance to noncurrent loans | 241.3392% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 5,210 |
| Noncurrent loans to loans | 0.5803% | 5,506 |
| Net loans and leases to total assets | 45.5744% | 5,837 |
| Net loans and leases to deposits | 55.3753% | 5,667 |
| Net loans and leases to core deposits | 57.3140% | 5,782 |
| Total domestic deposits to total assets | 82.3009% | 5,198 |
| Equity capital to assets | 9.2147% | 5,214 |
| Core capital (leverage) ratio | 8.7793% | 5,158 |
| Tier 1 risk-based capital ratio | 13.8361% | 4,581 |
| Total risk-based capital ratio | 14.9295% | 4,677 |
| Memoranda: | ||
| Average total assets | $738,096,000 | 911 |
| Average earning assets | $684,885,500 | 888 |
| Average equity | $70,095,500 | 996 |
| Average total loans | $351,707,000 | 1,194 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 5,214 |
| Cost of funding earning assets | 1.1244% | 2,505 |
| Net interest margin | 3.3369% | 5,697 |
| Noninterest income to average assets | 0.4875% | 3,941 |
| Noninterest expense to average assets | 2.0433% | 6,597 |
| Loan and lease loss provision to assets | 0.3749% | 2,748 |
| Net operating income to assets | 0.8432% | 2,863 |
| Return on assets (ROA) | 0.7675% | 3,347 |
| Pretax return on assets | 1.0634% | 2,988 |
| Return on Equity (ROE) | 7.7196% | 3,045 |
| Retained earnings to average equity (ytd only) | 4.4902% | 2,977 |
| Net charge-offs to loans | 0.4889% | 3,037 |
| Credit loss provision to net charge-offs | 157.8291% | 1,765 |
| Earnings coverage of net charge-offs (x) | 6.4978% | 2,503 |
| Efficiency ratio | 56.9404% | 6,192 |
| Assets per employee ($millions) | 6.1543% | 1,128 |
| Cash dividends to net income (ytd only)* | 41.8340% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,667 |
| Loan loss allowance to noncurrent loans | 154.1995% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 4,815 |
| Noncurrent loans to loans | 0.8753% | 4,937 |
| Net loans and leases to total assets | 48.5380% | 5,775 |
| Net loans and leases to deposits | 59.2815% | 5,568 |
| Net loans and leases to core deposits | 61.5562% | 5,698 |
| Total domestic deposits to total assets | 81.8771% | 5,173 |
| Equity capital to assets | 9.8031% | 4,442 |
| Core capital (leverage) ratio | 9.2458% | 4,396 |
| Tier 1 risk-based capital ratio | 14.0481% | 4,293 |
| Total risk-based capital ratio | 15.1171% | 4,381 |
| Memoranda: | ||
| Average total assets | $674,890,400 | 961 |
| Average earning assets | $626,810,800 | 943 |
| Average equity | $67,102,000 | 1,000 |
| Average total loans | $327,859,000 | 1,298 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 5,338 |
| Cost of funding earning assets | 1.1613% | 2,555 |
| Net interest margin | 3.3100% | 5,829 |
| Noninterest income to average assets | 0.4642% | 4,179 |
| Noninterest expense to average assets | 1.9959% | 6,699 |
| Loan and lease loss provision to assets | 0.3420% | 2,834 |
| Net operating income to assets | 0.8731% | 2,847 |
| Return on assets (ROA) | 0.7872% | 3,389 |
| Pretax return on assets | 1.0896% | 3,058 |
| Return on Equity (ROE) | 7.8877% | 3,085 |
| Retained earnings to average equity (ytd only) | 6.1242% | 2,478 |
| Net charge-offs to loans | 0.6626% | 2,259 |
| Credit loss provision to net charge-offs | 106.6085% | 3,103 |
| Earnings coverage of net charge-offs (x) | 4.8348% | 2,950 |
| Efficiency ratio | 56.2391% | 6,244 |
| Assets per employee ($millions) | 5.7483% | 1,395 |
| Cash dividends to net income (ytd only)* | 22.3576% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 5,595 |
| Loan loss allowance to noncurrent loans | 123.7715% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.9740% | 4,798 |
| Noncurrent loans to loans | 0.9447% | 4,991 |
| Net loans and leases to total assets | 49.1680% | 5,811 |
| Net loans and leases to deposits | 61.0981% | 5,507 |
| Net loans and leases to core deposits | 63.3561% | 5,689 |
| Total domestic deposits to total assets | 80.4738% | 5,601 |
| Equity capital to assets | 10.3950% | 3,841 |
| Core capital (leverage) ratio | 9.4335% | 4,248 |
| Tier 1 risk-based capital ratio | 14.1021% | 4,280 |
| Total risk-based capital ratio | 14.9874% | 4,507 |
| Memoranda: | ||
| Average total assets | $666,676,750 | 977 |
| Average earning assets | $620,885,500 | 962 |
| Average equity | $66,532,250 | 1,014 |
| Average total loans | $322,767,500 | 1,325 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 5,748 |
| Cost of funding earning assets | 1.1754% | 2,740 |
| Net interest margin | 3.2102% | 6,126 |
| Noninterest income to average assets | 0.4695% | 4,114 |
| Noninterest expense to average assets | 1.9398% | 6,891 |
| Loan and lease loss provision to assets | 0.3471% | 2,702 |
| Net operating income to assets | 0.8711% | 2,764 |
| Return on assets (ROA) | 0.7832% | 3,269 |
| Pretax return on assets | 1.0657% | 2,984 |
| Return on Equity (ROE) | 8.7065% | 2,635 |
| Retained earnings to average equity (ytd only) | 6.3557% | 2,208 |
| Net charge-offs to loans | 0.5577% | 2,431 |
| Credit loss provision to net charge-offs | 134.4956% | 2,272 |
| Earnings coverage of net charge-offs (x) | 5.9415% | 2,505 |
| Efficiency ratio | 55.8157% | 6,440 |
| Assets per employee ($millions) | 5.7938% | 1,305 |
| Cash dividends to net income (ytd only)* | 27.0004% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,596 |
| Loan loss allowance to noncurrent loans | 146.1312% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 5,131 |
| Noncurrent loans to loans | 0.8131% | 5,297 |
| Net loans and leases to total assets | 46.1819% | 6,249 |
| Net loans and leases to deposits | 58.6456% | 5,860 |
| Net loans and leases to core deposits | 60.7904% | 6,022 |
| Total domestic deposits to total assets | 78.7475% | 6,141 |
| Equity capital to assets | 9.2431% | 5,213 |
| Core capital (leverage) ratio | 8.3947% | 5,720 |
| Tier 1 risk-based capital ratio | 12.9614% | 4,943 |
| Total risk-based capital ratio | 13.8462% | 5,227 |
| Memoranda: | ||
| Average total assets | $622,343,000 | 1,065 |
| Average earning assets | $582,260,670 | 1,026 |
| Average equity | $55,981,330 | 1,196 |
| Average total loans | $287,982,330 | 1,509 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 5,960 |
| Cost of funding earning assets | 1.2035% | 2,788 |
| Net interest margin | 3.1149% | 6,307 |
| Noninterest income to average assets | 0.4602% | 4,186 |
| Noninterest expense to average assets | 1.9451% | 6,916 |
| Loan and lease loss provision to assets | 0.3480% | 2,476 |
| Net operating income to assets | 0.8190% | 2,931 |
| Return on assets (ROA) | 0.6941% | 3,601 |
| Pretax return on assets | 0.9152% | 3,443 |
| Return on Equity (ROE) | 7.8251% | 2,992 |
| Retained earnings to average equity (ytd only) | 6.2703% | 2,481 |
| Net charge-offs to loans | 0.0434% | 4,512 |
| Credit loss provision to net charge-offs | 1,741.9355% | 226 |
| Earnings coverage of net charge-offs (x) | 71.4516% | 431 |
| Efficiency ratio | 57.6342% | 6,308 |
| Assets per employee ($millions) | 5.8965% | 1,270 |
| Cash dividends to net income (ytd only)* | 19.8700% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 5,172 |
| Loan loss allowance to noncurrent loans | 290.9733% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 5,559 |
| Noncurrent loans to loans | 0.4440% | 6,121 |
| Net loans and leases to total assets | 44.4768% | 6,435 |
| Net loans and leases to deposits | 55.8146% | 6,149 |
| Net loans and leases to core deposits | 58.5623% | 6,205 |
| Total domestic deposits to total assets | 79.6867% | 6,021 |
| Equity capital to assets | 8.7287% | 5,607 |
| Core capital (leverage) ratio | 8.2755% | 5,854 |
| Tier 1 risk-based capital ratio | 12.9290% | 4,877 |
| Total risk-based capital ratio | 13.8873% | 5,108 |
| Memoranda: | ||
| Average total assets | $620,648,500 | 1,073 |
| Average earning assets | $580,303,500 | 1,043 |
| Average equity | $55,053,500 | 1,207 |
| Average total loans | $285,748,500 | 1,537 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6764% | 5,877 |
| Cost of funding earning assets | 1.4719% | 2,812 |
| Net interest margin | 3.2045% | 6,261 |
| Noninterest income to average assets | 0.5073% | 4,114 |
| Noninterest expense to average assets | 2.0826% | 6,885 |
| Loan and lease loss provision to assets | 0.5181% | 3,083 |
| Net operating income to assets | 0.7862% | 2,863 |
| Return on assets (ROA) | 0.3937% | 4,715 |
| Pretax return on assets | 0.4388% | 4,827 |
| Return on Equity (ROE) | 4.1753% | 4,443 |
| Retained earnings to average equity (ytd only) | 0.0801% | 5,549 |
| Net charge-offs to loans | 1.4575% | 1,518 |
| Credit loss provision to net charge-offs | 73.3058% | 5,780 |
| Earnings coverage of net charge-offs (x) | 1.9709% | 4,252 |
| Efficiency ratio | 59.8844% | 6,065 |
| Assets per employee ($millions) | 5.3494% | 1,715 |
| Cash dividends to net income (ytd only)* | 98.0811% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,854 |
| Loan loss allowance to noncurrent loans | 233.9429% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 5,665 |
| Noncurrent loans to loans | 0.4804% | 6,076 |
| Net loans and leases to total assets | 46.5451% | 6,515 |
| Net loans and leases to deposits | 58.7969% | 6,178 |
| Net loans and leases to core deposits | 62.2803% | 6,217 |
| Total domestic deposits to total assets | 79.1625% | 6,042 |
| Equity capital to assets | 9.0195% | 5,114 |
| Core capital (leverage) ratio | 8.4404% | 5,467 |
| Tier 1 risk-based capital ratio | 12.6299% | 4,916 |
| Total risk-based capital ratio | 13.4519% | 5,268 |
| Memoranda: | ||
| Average total assets | $582,458,600 | 1,155 |
| Average earning assets | $539,515,800 | 1,126 |
| Average equity | $54,918,600 | 1,216 |
| Average total loans | $282,461,200 | 1,581 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 5,855 |
| Cost of funding earning assets | 1.5260% | 2,800 |
| Net interest margin | 3.2235% | 6,264 |
| Noninterest income to average assets | 0.4989% | 4,198 |
| Noninterest expense to average assets | 2.0505% | 6,958 |
| Loan and lease loss provision to assets | 0.6161% | 2,475 |
| Net operating income to assets | 0.8634% | 2,770 |
| Return on assets (ROA) | 0.2600% | 5,472 |
| Pretax return on assets | 0.2068% | 5,715 |
| Return on Equity (ROE) | 2.7263% | 5,334 |
| Retained earnings to average equity (ytd only) | 0.1236% | 5,727 |
| Net charge-offs to loans | 1.8779% | 1,021 |
| Credit loss provision to net charge-offs | 67.1367% | 5,504 |
| Earnings coverage of net charge-offs (x) | 1.5543% | 4,560 |
| Efficiency ratio | 58.9365% | 6,115 |
| Assets per employee ($millions) | 5.2130% | 1,922 |
| Cash dividends to net income (ytd only)* | 95.4665% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 6,136 |
| Loan loss allowance to noncurrent loans | 207.2022% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 5,588 |
| Noncurrent loans to loans | 0.5091% | 6,179 |
| Net loans and leases to total assets | 47.2252% | 6,588 |
| Net loans and leases to deposits | 61.8309% | 6,131 |
| Net loans and leases to core deposits | 64.3082% | 6,272 |
| Total domestic deposits to total assets | 76.3779% | 6,590 |
| Equity capital to assets | 9.3357% | 5,074 |
| Core capital (leverage) ratio | 8.8776% | 4,879 |
| Tier 1 risk-based capital ratio | 12.7574% | 4,769 |
| Total risk-based capital ratio | 13.5337% | 5,168 |
| Memoranda: | ||
| Average total assets | $576,953,750 | 1,177 |
| Average earning assets | $532,982,000 | 1,156 |
| Average equity | $55,018,000 | 1,215 |
| Average total loans | $281,938,250 | 1,604 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 5,784 |
| Cost of funding earning assets | 1.5954% | 2,685 |
| Net interest margin | 3.2098% | 6,285 |
| Noninterest income to average assets | 0.5070% | 4,055 |
| Noninterest expense to average assets | 2.0764% | 6,966 |
| Loan and lease loss provision to assets | 0.8229% | 1,760 |
| Net operating income to assets | 0.4888% | 4,382 |
| Return on assets (ROA) | -0.0963% | 6,297 |
| Pretax return on assets | -0.3547% | 6,475 |
| Return on Equity (ROE) | -1.0025% | 6,312 |
| Retained earnings to average equity (ytd only) | -4.2833% | 6,472 |
| Net charge-offs to loans | 2.5717% | 658 |
| Credit loss provision to net charge-offs | 64.9530% | 5,095 |
| Earnings coverage of net charge-offs (x) | 1.0912% | 4,702 |
| Efficiency ratio | 59.9919% | 6,048 |
| Assets per employee ($millions) | 4.8622% | 2,352 |
| Cash dividends to net income (ytd only)* | -327.2727% | 7,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 6,147 |
| Loan loss allowance to noncurrent loans | 127.0554% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 5,363 |
| Noncurrent loans to loans | 0.8332% | 5,618 |
| Net loans and leases to total assets | 50.6291% | 6,363 |
| Net loans and leases to deposits | 64.3714% | 5,992 |
| Net loans and leases to core deposits | 67.0800% | 6,143 |
| Total domestic deposits to total assets | 78.6515% | 6,123 |
| Equity capital to assets | 9.7148% | 4,387 |
| Core capital (leverage) ratio | 8.6311% | 5,189 |
| Tier 1 risk-based capital ratio | 12.1727% | 5,152 |
| Total risk-based capital ratio | 12.9410% | 5,554 |
| Memoranda: | ||
| Average total assets | $571,176,000 | 1,195 |
| Average earning assets | $525,262,670 | 1,179 |
| Average equity | $54,863,670 | 1,208 |
| Average total loans | $281,369,330 | 1,624 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 6,458 |
| Cost of funding earning assets | 1.6018% | 2,951 |
| Net interest margin | 3.0312% | 6,763 |
| Noninterest income to average assets | 0.4983% | 4,059 |
| Noninterest expense to average assets | 1.9931% | 7,173 |
| Loan and lease loss provision to assets | 0.2876% | 3,723 |
| Net operating income to assets | 0.9615% | 2,327 |
| Return on assets (ROA) | 0.3853% | 5,040 |
| Pretax return on assets | 0.4123% | 5,252 |
| Return on Equity (ROE) | 4.0337% | 4,883 |
| Retained earnings to average equity (ytd only) | -0.2539% | 5,887 |
| Net charge-offs to loans | 0.3556% | 2,986 |
| Credit loss provision to net charge-offs | 167.3387% | 2,170 |
| Earnings coverage of net charge-offs (x) | 7.6774% | 2,057 |
| Efficiency ratio | 60.1255% | 6,150 |
| Assets per employee ($millions) | 5.0983% | 2,097 |
| Cash dividends to net income (ytd only)* | 106.2950% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 3,440 |
| Loan loss allowance to noncurrent loans | 78.5639% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.6146% | 4,067 |
| Noncurrent loans to loans | 2.0374% | 3,731 |
| Net loans and leases to total assets | 47.2159% | 6,737 |
| Net loans and leases to deposits | 58.5335% | 6,583 |
| Net loans and leases to core deposits | 61.5066% | 6,637 |
| Total domestic deposits to total assets | 80.6647% | 5,569 |
| Equity capital to assets | 9.4848% | 4,554 |
| Core capital (leverage) ratio | 8.8250% | 4,826 |
| Tier 1 risk-based capital ratio | 12.3834% | 4,845 |
| Total risk-based capital ratio | 13.5086% | 4,906 |
| Memoranda: | ||
| Average total assets | $577,186,500 | 1,204 |
| Average earning assets | $535,898,500 | 1,181 |
| Average equity | $55,135,000 | 1,211 |
| Average total loans | $278,992,000 | 1,687 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 5,409 |
| Cost of funding earning assets | 1.9373% | 3,268 |
| Net interest margin | 3.3136% | 5,687 |
| Noninterest income to average assets | 0.5123% | 4,315 |
| Noninterest expense to average assets | 2.1125% | 7,159 |
| Loan and lease loss provision to assets | 0.9667% | 2,336 |
| Net operating income to assets | 0.4998% | 3,732 |
| Return on assets (ROA) | 0.2016% | 4,962 |
| Pretax return on assets | 0.1309% | 5,157 |
| Return on Equity (ROE) | 2.0887% | 4,868 |
| Retained earnings to average equity (ytd only) | -0.6740% | 5,164 |
| Net charge-offs to loans | 1.0869% | 2,247 |
| Credit loss provision to net charge-offs | 174.0814% | 2,423 |
| Earnings coverage of net charge-offs (x) | 2.5134% | 3,866 |
| Efficiency ratio | 60.1802% | 6,467 |
| Assets per employee ($millions) | 5.1637% | 1,989 |
| Cash dividends to net income (ytd only)* | 132.2698% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 3,531 |
| Loan loss allowance to noncurrent loans | 79.5299% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.8546% | 3,588 |
| Noncurrent loans to loans | 1.9359% | 3,749 |
| Net loans and leases to total assets | 47.9444% | 6,817 |
| Net loans and leases to deposits | 62.1725% | 6,451 |
| Net loans and leases to core deposits | 75.4412% | 6,440 |
| Total domestic deposits to total assets | 77.1151% | 6,446 |
| Equity capital to assets | 9.6209% | 4,248 |
| Core capital (leverage) ratio | 8.9439% | 4,516 |
| Tier 1 risk-based capital ratio | 12.3527% | 4,638 |
| Total risk-based capital ratio | 13.4251% | 4,758 |
| Memoranda: | ||
| Average total assets | $544,037,800 | 1,273 |
| Average earning assets | $491,877,400 | 1,284 |
| Average equity | $52,521,800 | 1,261 |
| Average total loans | $277,939,000 | 1,735 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3787% | 5,051 |
| Cost of funding earning assets | 1.9983% | 3,368 |
| Net interest margin | 3.3803% | 5,353 |
| Noninterest income to average assets | 0.5346% | 4,200 |
| Noninterest expense to average assets | 2.0481% | 7,289 |
| Loan and lease loss provision to assets | 1.0361% | 1,852 |
| Net operating income to assets | 0.4033% | 4,389 |
| Return on assets (ROA) | 0.5460% | 3,890 |
| Pretax return on assets | 0.6560% | 3,998 |
| Return on Equity (ROE) | 5.6503% | 3,667 |
| Retained earnings to average equity (ytd only) | 1.9177% | 4,254 |
| Net charge-offs to loans | 0.7688% | 2,438 |
| Credit loss provision to net charge-offs | 260.5247% | 1,636 |
| Earnings coverage of net charge-offs (x) | 3.8226% | 3,374 |
| Efficiency ratio | 57.3547% | 6,817 |
| Assets per employee ($millions) | 4.8829% | 2,289 |
| Cash dividends to net income (ytd only)* | 66.0601% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 2,859 |
| Loan loss allowance to noncurrent loans | 74.9029% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 4,805 |
| Noncurrent loans to loans | 2.1848% | 3,398 |
| Net loans and leases to total assets | 49.5494% | 6,816 |
| Net loans and leases to deposits | 63.4161% | 6,547 |
| Net loans and leases to core deposits | 77.4159% | 6,534 |
| Total domestic deposits to total assets | 78.1337% | 6,043 |
| Equity capital to assets | 10.3179% | 3,708 |
| Core capital (leverage) ratio | 9.5094% | 3,897 |
| Tier 1 risk-based capital ratio | 12.4726% | 4,567 |
| Total risk-based capital ratio | 13.6138% | 4,603 |
| Memoranda: | ||
| Average total assets | $536,755,250 | 1,296 |
| Average earning assets | $481,719,500 | 1,329 |
| Average equity | $51,866,250 | 1,296 |
| Average total loans | $277,649,000 | 1,759 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5450% | 4,360 |
| Cost of funding earning assets | 2.0437% | 3,552 |
| Net interest margin | 3.5013% | 4,794 |
| Noninterest income to average assets | 0.5453% | 4,068 |
| Noninterest expense to average assets | 2.0587% | 7,359 |
| Loan and lease loss provision to assets | 1.0937% | 1,569 |
| Net operating income to assets | 0.4590% | 4,257 |
| Return on assets (ROA) | 0.4590% | 4,374 |
| Pretax return on assets | 0.4973% | 4,625 |
| Return on Equity (ROE) | 4.8673% | 4,135 |
| Retained earnings to average equity (ytd only) | 1.0032% | 4,773 |
| Net charge-offs to loans | 0.9829% | 1,785 |
| Credit loss provision to net charge-offs | 213.1268% | 2,159 |
| Earnings coverage of net charge-offs (x) | 3.1003% | 3,568 |
| Efficiency ratio | 56.3667% | 7,071 |
| Assets per employee ($millions) | 4.6090% | 2,592 |
| Cash dividends to net income (ytd only)* | 79.3899% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 4,402 |
| Loan loss allowance to noncurrent loans | 64.8088% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.0281% | 4,912 |
| Noncurrent loans to loans | 1.9729% | 3,561 |
| Net loans and leases to total assets | 51.4440% | 6,743 |
| Net loans and leases to deposits | 64.0627% | 6,554 |
| Net loans and leases to core deposits | 78.0269% | 6,547 |
| Total domestic deposits to total assets | 80.3026% | 5,351 |
| Equity capital to assets | 9.3027% | 4,862 |
| Core capital (leverage) ratio | 8.2512% | 5,887 |
| Tier 1 risk-based capital ratio | 10.4610% | 6,413 |
| Total risk-based capital ratio | 11.3331% | 6,765 |
| Memoranda: | ||
| Average total assets | $528,496,670 | 1,332 |
| Average earning assets | $468,567,330 | 1,381 |
| Average equity | $49,842,330 | 1,382 |
| Average total loans | $275,910,670 | 1,792 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5315% | 4,746 |
| Cost of funding earning assets | 2.0774% | 3,753 |
| Net interest margin | 3.4541% | 4,925 |
| Noninterest income to average assets | 0.5253% | 4,094 |
| Noninterest expense to average assets | 2.0026% | 7,344 |
| Loan and lease loss provision to assets | 0.4557% | 2,647 |
| Net operating income to assets | 0.8564% | 2,886 |
| Return on assets (ROA) | 0.8564% | 3,041 |
| Pretax return on assets | 1.1386% | 2,834 |
| Return on Equity (ROE) | 9.0175% | 2,712 |
| Retained earnings to average equity (ytd only) | 2.9146% | 4,245 |
| Net charge-offs to loans | 0.2180% | 3,334 |
| Credit loss provision to net charge-offs | 400.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 13.9933% | 1,703 |
| Efficiency ratio | 55.6335% | 7,014 |
| Assets per employee ($millions) | 4.8250% | 2,270 |
| Cash dividends to net income (ytd only)* | 67.6786% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 6,705 |
| Loan loss allowance to noncurrent loans | 37.3083% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 4,197 |
| Noncurrent loans to loans | 2.4369% | 2,705 |
| Net loans and leases to total assets | 50.5413% | 6,810 |
| Net loans and leases to deposits | 64.4825% | 6,508 |
| Net loans and leases to core deposits | 77.0545% | 6,603 |
| Total domestic deposits to total assets | 78.3798% | 5,895 |
| Equity capital to assets | 9.2640% | 4,990 |
| Core capital (leverage) ratio | 8.5555% | 5,420 |
| Tier 1 risk-based capital ratio | 11.1354% | 5,775 |
| Total risk-based capital ratio | 11.7813% | 6,277 |
| Memoranda: | ||
| Average total assets | $523,120,000 | 1,352 |
| Average earning assets | $465,186,500 | 1,402 |
| Average equity | $49,681,000 | 1,383 |
| Average total loans | $273,363,500 | 1,810 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9787% | 5,647 |
| Cost of funding earning assets | 2.6207% | 3,578 |
| Net interest margin | 3.3580% | 5,833 |
| Noninterest income to average assets | 0.5862% | 3,961 |
| Noninterest expense to average assets | 2.1055% | 7,225 |
| Loan and lease loss provision to assets | 0.1261% | 5,754 |
| Net operating income to assets | 1.0516% | 2,345 |
| Return on assets (ROA) | 1.0509% | 2,241 |
| Pretax return on assets | 1.4474% | 1,832 |
| Return on Equity (ROE) | 10.8058% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.2324% | 1,077 |
| Net charge-offs to loans | 0.3553% | 3,051 |
| Credit loss provision to net charge-offs | 68.1257% | 6,103 |
| Earnings coverage of net charge-offs (x) | 8.5073% | 2,868 |
| Efficiency ratio | 57.1743% | 6,837 |
| Assets per employee ($millions) | 4.5164% | 2,588 |
| Cash dividends to net income (ytd only)* | 33.0698% | 3,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7595% | 7,249 |
| Loan loss allowance to noncurrent loans | 199.5155% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 6,680 |
| Noncurrent loans to loans | 0.3807% | 6,208 |
| Net loans and leases to total assets | 53.1862% | 6,735 |
| Net loans and leases to deposits | 67.4048% | 6,513 |
| Net loans and leases to core deposits | 80.5010% | 6,578 |
| Total domestic deposits to total assets | 78.9057% | 5,404 |
| Equity capital to assets | 9.7460% | 4,370 |
| Core capital (leverage) ratio | 8.7005% | 5,196 |
| Tier 1 risk-based capital ratio | 11.7803% | 4,999 |
| Total risk-based capital ratio | 12.3464% | 5,529 |
| Memoranda: | ||
| Average total assets | $481,401,400 | 1,424 |
| Average earning assets | $443,542,800 | 1,408 |
| Average equity | $46,817,400 | 1,457 |
| Average total loans | $250,769,000 | 1,903 |