Home > Firstar Bank > Performance and Condition Ratios
Firstar Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5058% | 349 |
| Cost of funding earning assets | 2.2592% | 584 |
| Net interest margin | 4.2467% | 883 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 4.0414% | 356 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5421% | 3,584 |
| Return on assets (ROA) | 0.5432% | 3,571 |
| Pretax return on assets | 0.7261% | 3,382 |
| Return on Equity (ROE) | 5.8100% | 3,562 |
| Retained earnings to average equity (ytd only) | -1.6879% | 4,243 |
| Net charge-offs to loans | 0.0705% | 1,146 |
| Credit loss provision to net charge-offs | -99.2620% | 4,477 |
| Earnings coverage of net charge-offs (x) | 12.6716% | 2,136 |
| Efficiency ratio | 84.7086% | 631 |
| Assets per employee ($millions) | 4.7500% | 3,805 |
| Cash dividends to net income (ytd only)* | 129.0575% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,448 |
| Loan loss allowance to noncurrent loans | 554.8363% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 2,596 |
| Noncurrent loans to loans | 0.1752% | 2,640 |
| Net loans and leases to total assets | 78.3800% | 826 |
| Net loans and leases to deposits | 87.3252% | 1,499 |
| Net loans and leases to core deposits | 96.8408% | 1,612 |
| Total domestic deposits to total assets | 89.7500% | 825 |
| Equity capital to assets | 9.4509% | 2,387 |
| Core capital (leverage) ratio | 8.7586% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4112% | 2,735 |
| Memoranda: | ||
| Average total assets | $941,414,200 | 1,038 |
| Average earning assets | $863,550,400 | 1,041 |
| Average equity | $88,039,600 | 1,055 |
| Average total loans | $768,484,800 | 893 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3790% | 350 |
| Cost of funding earning assets | 2.1418% | 555 |
| Net interest margin | 4.2372% | 877 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 4.3046% | 304 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3415% | 4,068 |
| Return on assets (ROA) | 0.3431% | 4,064 |
| Pretax return on assets | 0.4690% | 3,956 |
| Return on Equity (ROE) | 3.6800% | 4,022 |
| Retained earnings to average equity (ytd only) | -3.9699% | 4,398 |
| Net charge-offs to loans | 0.0895% | 850 |
| Credit loss provision to net charge-offs | 36.0465% | 1,949 |
| Earnings coverage of net charge-offs (x) | 6.7035% | 2,269 |
| Efficiency ratio | 89.7145% | 384 |
| Assets per employee ($millions) | 4.6813% | 3,832 |
| Cash dividends to net income (ytd only)* | 207.9002% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,054 |
| Loan loss allowance to noncurrent loans | 279.1497% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 1,660 |
| Noncurrent loans to loans | 0.3809% | 1,873 |
| Net loans and leases to total assets | 82.3800% | 408 |
| Net loans and leases to deposits | 92.1376% | 1,044 |
| Net loans and leases to core deposits | 103.6687% | 1,136 |
| Total domestic deposits to total assets | 89.4100% | 1,113 |
| Equity capital to assets | 9.5779% | 2,055 |
| Core capital (leverage) ratio | 8.6500% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2215% | 2,780 |
| Memoranda: | ||
| Average total assets | $934,517,500 | 1,049 |
| Average earning assets | $858,441,000 | 1,046 |
| Average equity | $87,154,750 | 1,056 |
| Average total loans | $768,875,250 | 892 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1871% | 352 |
| Cost of funding earning assets | 1.9873% | 508 |
| Net interest margin | 4.1998% | 932 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 3.3021% | 690 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0497% | 2,264 |
| Return on assets (ROA) | 1.0520% | 2,253 |
| Pretax return on assets | 1.4488% | 1,702 |
| Return on Equity (ROE) | 11.4500% | 2,313 |
| Retained earnings to average equity (ytd only) | 4.4770% | 3,087 |
| Net charge-offs to loans | 0.0482% | 1,030 |
| Credit loss provision to net charge-offs | 71.8919% | 1,585 |
| Earnings coverage of net charge-offs (x) | 37.3135% | 1,439 |
| Efficiency ratio | 69.1348% | 1,854 |
| Assets per employee ($millions) | 4.7046% | 3,820 |
| Cash dividends to net income (ytd only)* | 60.9013% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 2,953 |
| Loan loss allowance to noncurrent loans | 584.7691% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 2,295 |
| Noncurrent loans to loans | 0.1883% | 2,526 |
| Net loans and leases to total assets | 81.4100% | 483 |
| Net loans and leases to deposits | 90.7038% | 1,125 |
| Net loans and leases to core deposits | 100.2589% | 1,222 |
| Total domestic deposits to total assets | 89.7500% | 994 |
| Equity capital to assets | 9.2884% | 2,320 |
| Core capital (leverage) ratio | 8.5209% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7848% | 2,873 |
| Memoranda: | ||
| Average total assets | $936,481,000 | 1,037 |
| Average earning assets | $861,376,667 | 1,037 |
| Average equity | $86,040,333 | 1,057 |
| Average total loans | $767,906,333 | 874 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8907% | 363 |
| Cost of funding earning assets | 1.9177% | 352 |
| Net interest margin | 3.9730% | 1,319 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.9959% | 1,071 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.0557% | 2,363 |
| Return on assets (ROA) | 1.0557% | 2,334 |
| Pretax return on assets | 1.4102% | 1,861 |
| Return on Equity (ROE) | 11.5500% | 2,337 |
| Retained earnings to average equity (ytd only) | 4.5431% | 3,123 |
| Net charge-offs to loans | 0.0558% | 814 |
| Credit loss provision to net charge-offs | 44.8598% | 1,309 |
| Earnings coverage of net charge-offs (x) | 31.3084% | 1,288 |
| Efficiency ratio | 67.6797% | 2,011 |
| Assets per employee ($millions) | 4.8853% | 3,739 |
| Cash dividends to net income (ytd only)* | 60.6796% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,022 |
| Loan loss allowance to noncurrent loans | 142.2483% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 766 |
| Noncurrent loans to loans | 0.7777% | 988 |
| Net loans and leases to total assets | 79.5600% | 582 |
| Net loans and leases to deposits | 88.2858% | 1,180 |
| Net loans and leases to core deposits | 95.6356% | 1,306 |
| Total domestic deposits to total assets | 90.1200% | 1,114 |
| Equity capital to assets | 9.0431% | 2,483 |
| Core capital (leverage) ratio | 8.3406% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5486% | 2,995 |
| Memoranda: | ||
| Average total assets | $936,617,500 | 1,054 |
| Average earning assets | $863,532,500 | 1,051 |
| Average equity | $85,581,000 | 1,077 |
| Average total loans | $766,538,500 | 889 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 256 |
| Cost of funding earning assets | 0.5394% | 1,162 |
| Net interest margin | 4.5616% | 263 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 3.2917% | 628 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.3575% | 1,252 |
| Return on assets (ROA) | 1.3575% | 1,210 |
| Pretax return on assets | 1.8701% | 626 |
| Return on Equity (ROE) | 14.2800% | 1,471 |
| Retained earnings to average equity (ytd only) | 11.4616% | 791 |
| Net charge-offs to loans | 0.0301% | 1,468 |
| Credit loss provision to net charge-offs | 739.6135% | 526 |
| Earnings coverage of net charge-offs (x) | 83.2947% | 1,070 |
| Efficiency ratio | 61.5965% | 2,822 |
| Assets per employee ($millions) | 4.7668% | 3,843 |
| Cash dividends to net income (ytd only)* | 19.7282% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 2,832 |
| Loan loss allowance to noncurrent loans | 148.5212% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 768 |
| Noncurrent loans to loans | 0.7497% | 1,003 |
| Net loans and leases to total assets | 82.4100% | 377 |
| Net loans and leases to deposits | 91.5735% | 941 |
| Net loans and leases to core deposits | 97.5186% | 1,128 |
| Total domestic deposits to total assets | 89.9900% | 1,370 |
| Equity capital to assets | 9.1810% | 2,237 |
| Core capital (leverage) ratio | 8.6455% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5146% | 3,029 |
| Memoranda: | ||
| Average total assets | $840,134,400 | 1,146 |
| Average earning assets | $774,019,800 | 1,144 |
| Average equity | $79,875,200 | 1,130 |
| Average total loans | $687,766,600 | 925 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 245 |
| Cost of funding earning assets | 0.3664% | 1,554 |
| Net interest margin | 4.5217% | 228 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 3.3220% | 578 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.4262% | 1,017 |
| Return on assets (ROA) | 1.4262% | 986 |
| Pretax return on assets | 1.9431% | 525 |
| Return on Equity (ROE) | 14.8600% | 1,209 |
| Retained earnings to average equity (ytd only) | 11.0471% | 1,043 |
| Net charge-offs to loans | 0.0204% | 1,427 |
| Credit loss provision to net charge-offs | 864.7059% | 449 |
| Earnings coverage of net charge-offs (x) | 125.8333% | 826 |
| Efficiency ratio | 61.4217% | 2,912 |
| Assets per employee ($millions) | 4.4241% | 4,108 |
| Cash dividends to net income (ytd only)* | 25.6469% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 2,892 |
| Loan loss allowance to noncurrent loans | 474.3620% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 2,265 |
| Noncurrent loans to loans | 0.2379% | 2,436 |
| Net loans and leases to total assets | 83.3200% | 296 |
| Net loans and leases to deposits | 92.9959% | 700 |
| Net loans and leases to core deposits | 98.4861% | 882 |
| Total domestic deposits to total assets | 89.6000% | 1,828 |
| Equity capital to assets | 9.4952% | 1,888 |
| Core capital (leverage) ratio | 8.7399% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8473% | 3,059 |
| Memoranda: | ||
| Average total assets | $820,167,500 | 1,171 |
| Average earning assets | $755,716,750 | 1,171 |
| Average equity | $78,727,750 | 1,164 |
| Average total loans | $668,037,250 | 941 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 271 |
| Cost of funding earning assets | 0.3131% | 1,594 |
| Net interest margin | 4.3457% | 255 |
| Noninterest income to average assets | 1.2034% | 474 |
| Noninterest expense to average assets | 3.2605% | 579 |
| Loan and lease loss provision to assets | 0.0836% | 1,187 |
| Net operating income to assets | 1.3814% | 950 |
| Return on assets (ROA) | 1.3814% | 928 |
| Pretax return on assets | 1.8661% | 500 |
| Return on Equity (ROE) | 14.3379% | 1,035 |
| Retained earnings to average equity (ytd only) | 8.5956% | 1,401 |
| Net charge-offs to loans | 0.0192% | 1,352 |
| Credit loss provision to net charge-offs | 539.6825% | 608 |
| Earnings coverage of net charge-offs (x) | 125.8571% | 715 |
| Efficiency ratio | 62.5796% | 2,972 |
| Assets per employee ($millions) | 4.1587% | 4,287 |
| Cash dividends to net income (ytd only)* | 40.0498% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 3,192 |
| Loan loss allowance to noncurrent loans | 363.7688% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 2,076 |
| Noncurrent loans to loans | 0.3005% | 2,263 |
| Net loans and leases to total assets | 81.8860% | 291 |
| Net loans and leases to deposits | 91.0882% | 657 |
| Net loans and leases to core deposits | 96.6868% | 805 |
| Total domestic deposits to total assets | 89.8975% | 1,752 |
| Equity capital to assets | 9.1684% | 2,265 |
| Core capital (leverage) ratio | 8.4091% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5484% | 3,064 |
| Memoranda: | ||
| Average total assets | $813,365,000 | 1,177 |
| Average earning assets | $749,943,667 | 1,187 |
| Average equity | $78,365,667 | 1,187 |
| Average total loans | $654,591,333 | 948 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 323 |
| Cost of funding earning assets | 0.3318% | 1,360 |
| Net interest margin | 4.1468% | 310 |
| Noninterest income to average assets | 1.2333% | 469 |
| Noninterest expense to average assets | 3.3523% | 493 |
| Loan and lease loss provision to assets | 0.0536% | 1,424 |
| Net operating income to assets | 1.2209% | 1,195 |
| Return on assets (ROA) | 1.2209% | 1,179 |
| Pretax return on assets | 1.6471% | 760 |
| Return on Equity (ROE) | 12.3651% | 1,205 |
| Retained earnings to average equity (ytd only) | 4.8285% | 2,651 |
| Net charge-offs to loans | 0.0532% | 759 |
| Credit loss provision to net charge-offs | 127.0588% | 910 |
| Earnings coverage of net charge-offs (x) | 40.3294% | 1,004 |
| Efficiency ratio | 66.3427% | 2,726 |
| Assets per employee ($millions) | 4.1551% | 4,327 |
| Cash dividends to net income (ytd only)* | 60.9508% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 3,218 |
| Loan loss allowance to noncurrent loans | 459.1371% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 1,489 |
| Noncurrent loans to loans | 0.2450% | 2,613 |
| Net loans and leases to total assets | 78.9117% | 301 |
| Net loans and leases to deposits | 88.2850% | 606 |
| Net loans and leases to core deposits | 94.0296% | 735 |
| Total domestic deposits to total assets | 89.3830% | 1,878 |
| Equity capital to assets | 9.6940% | 2,141 |
| Core capital (leverage) ratio | 8.3348% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6554% | 3,075 |
| Memoranda: | ||
| Average total assets | $806,260,000 | 1,186 |
| Average earning assets | $742,638,000 | 1,200 |
| Average equity | $79,611,000 | 1,204 |
| Average total loans | $639,308,000 | 960 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6786% | 433 |
| Cost of funding earning assets | 0.4215% | 1,380 |
| Net interest margin | 4.2571% | 442 |
| Noninterest income to average assets | 1.5360% | 479 |
| Noninterest expense to average assets | 3.2791% | 652 |
| Loan and lease loss provision to assets | -0.2683% | 4,758 |
| Net operating income to assets | 1.9269% | 388 |
| Return on assets (ROA) | 1.9274% | 412 |
| Pretax return on assets | 2.4457% | 274 |
| Return on Equity (ROE) | 19.2908% | 352 |
| Retained earnings to average equity (ytd only) | 5.3898% | 2,622 |
| Net charge-offs to loans | 0.1348% | 687 |
| Credit loss provision to net charge-offs | -255.4087% | 3,574 |
| Earnings coverage of net charge-offs (x) | 20.7212% | 1,845 |
| Efficiency ratio | 60.1018% | 3,131 |
| Assets per employee ($millions) | 4.1952% | 4,327 |
| Cash dividends to net income (ytd only)* | 72.0603% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 3,196 |
| Loan loss allowance to noncurrent loans | 203.4697% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 1,472 |
| Noncurrent loans to loans | 0.5580% | 1,730 |
| Net loans and leases to total assets | 77.9741% | 378 |
| Net loans and leases to deposits | 87.7346% | 668 |
| Net loans and leases to core deposits | 93.5912% | 800 |
| Total domestic deposits to total assets | 88.8749% | 1,589 |
| Equity capital to assets | 9.9775% | 2,675 |
| Core capital (leverage) ratio | 8.2691% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6970% | 3,068 |
| Memoranda: | ||
| Average total assets | $791,987,600 | 1,170 |
| Average earning assets | $729,251,600 | 1,180 |
| Average equity | $79,130,800 | 1,218 |
| Average total loans | $617,258,200 | 978 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7518% | 442 |
| Cost of funding earning assets | 0.4430% | 1,401 |
| Net interest margin | 4.3088% | 441 |
| Noninterest income to average assets | 1.5772% | 500 |
| Noninterest expense to average assets | 3.2186% | 690 |
| Loan and lease loss provision to assets | -0.4438% | 4,870 |
| Net operating income to assets | 2.2055% | 323 |
| Return on assets (ROA) | 2.2062% | 337 |
| Pretax return on assets | 2.7668% | 239 |
| Return on Equity (ROE) | 22.0729% | 300 |
| Retained earnings to average equity (ytd only) | 5.5804% | 3,009 |
| Net charge-offs to loans | 0.1599% | 525 |
| Credit loss provision to net charge-offs | -357.1429% | 3,550 |
| Earnings coverage of net charge-offs (x) | 18.6871% | 1,778 |
| Efficiency ratio | 58.0892% | 3,248 |
| Assets per employee ($millions) | 4.1199% | 4,379 |
| Cash dividends to net income (ytd only)* | 74.7184% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,342 |
| Loan loss allowance to noncurrent loans | 173.7433% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 1,294 |
| Noncurrent loans to loans | 0.6453% | 1,694 |
| Net loans and leases to total assets | 76.3087% | 524 |
| Net loans and leases to deposits | 86.0030% | 825 |
| Net loans and leases to core deposits | 92.3712% | 911 |
| Total domestic deposits to total assets | 88.7279% | 1,443 |
| Equity capital to assets | 10.1936% | 2,720 |
| Core capital (leverage) ratio | 8.1510% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6642% | 3,107 |
| Memoranda: | ||
| Average total assets | $788,614,750 | 1,184 |
| Average earning assets | $725,410,250 | 1,196 |
| Average equity | $78,821,750 | 1,237 |
| Average total loans | $612,753,250 | 1,008 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 394 |
| Cost of funding earning assets | 0.4601% | 1,448 |
| Net interest margin | 4.4538% | 389 |
| Noninterest income to average assets | 1.5056% | 541 |
| Noninterest expense to average assets | 3.1354% | 799 |
| Loan and lease loss provision to assets | 0.1024% | 1,235 |
| Net operating income to assets | 1.7540% | 790 |
| Return on assets (ROA) | 1.7550% | 832 |
| Pretax return on assets | 2.3614% | 435 |
| Return on Equity (ROE) | 17.6754% | 690 |
| Retained earnings to average equity (ytd only) | 5.5515% | 2,976 |
| Net charge-offs to loans | 0.1149% | 675 |
| Credit loss provision to net charge-offs | 114.4476% | 1,287 |
| Earnings coverage of net charge-offs (x) | 27.5269% | 1,362 |
| Efficiency ratio | 56.0098% | 3,539 |
| Assets per employee ($millions) | 4.2151% | 4,318 |
| Cash dividends to net income (ytd only)* | 68.5921% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 1,168 |
| Loan loss allowance to noncurrent loans | 231.1171% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8247% | 962 |
| Noncurrent loans to loans | 0.7139% | 1,655 |
| Net loans and leases to total assets | 77.6996% | 465 |
| Net loans and leases to deposits | 87.4669% | 813 |
| Net loans and leases to core deposits | 94.5766% | 878 |
| Total domestic deposits to total assets | 88.8332% | 1,366 |
| Equity capital to assets | 10.0874% | 2,775 |
| Core capital (leverage) ratio | 7.9077% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8942% | 3,085 |
| Memoranda: | ||
| Average total assets | $789,183,333 | 1,172 |
| Average earning assets | $725,136,333 | 1,191 |
| Average equity | $78,357,667 | 1,240 |
| Average total loans | $614,574,667 | 997 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1793% | 280 |
| Cost of funding earning assets | 0.4826% | 1,495 |
| Net interest margin | 4.6967% | 269 |
| Noninterest income to average assets | 1.5161% | 586 |
| Noninterest expense to average assets | 3.1736% | 741 |
| Loan and lease loss provision to assets | -0.0056% | 4,563 |
| Net operating income to assets | 1.9581% | 604 |
| Return on assets (ROA) | 1.9581% | 652 |
| Pretax return on assets | 2.6502% | 355 |
| Return on Equity (ROE) | 19.8785% | 540 |
| Retained earnings to average equity (ytd only) | 10.9034% | 1,425 |
| Net charge-offs to loans | 0.0183% | 1,379 |
| Credit loss provision to net charge-offs | -39.2857% | 2,741 |
| Earnings coverage of net charge-offs (x) | 186.9643% | 424 |
| Efficiency ratio | 54.5455% | 3,730 |
| Assets per employee ($millions) | 4.2984% | 4,274 |
| Cash dividends to net income (ytd only)* | 45.1496% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 1,190 |
| Loan loss allowance to noncurrent loans | 180.7816% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9219% | 921 |
| Noncurrent loans to loans | 0.9076% | 1,489 |
| Net loans and leases to total assets | 76.3717% | 599 |
| Net loans and leases to deposits | 85.9974% | 962 |
| Net loans and leases to core deposits | 93.4143% | 1,017 |
| Total domestic deposits to total assets | 88.8070% | 1,437 |
| Equity capital to assets | 9.8986% | 2,799 |
| Core capital (leverage) ratio | 8.0199% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $791,775,000 | 1,156 |
| Average earning assets | $725,270,500 | 1,178 |
| Average equity | $77,994,000 | 1,236 |
| Average total loans | $612,169,500 | 1,007 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1360% | 377 |
| Cost of funding earning assets | 0.7069% | 1,685 |
| Net interest margin | 4.4291% | 375 |
| Noninterest income to average assets | 1.5820% | 492 |
| Noninterest expense to average assets | 3.3453% | 849 |
| Loan and lease loss provision to assets | 0.6770% | 251 |
| Net operating income to assets | 1.2209% | 1,476 |
| Return on assets (ROA) | 1.2284% | 1,563 |
| Pretax return on assets | 1.6206% | 1,026 |
| Return on Equity (ROE) | 12.0190% | 1,313 |
| Retained earnings to average equity (ytd only) | 3.8937% | 2,878 |
| Net charge-offs to loans | 0.2154% | 810 |
| Credit loss provision to net charge-offs | 393.4363% | 1,450 |
| Earnings coverage of net charge-offs (x) | 13.2981% | 2,287 |
| Efficiency ratio | 59.3835% | 3,539 |
| Assets per employee ($millions) | 4.3092% | 4,105 |
| Cash dividends to net income (ytd only)* | 67.6041% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 1,192 |
| Loan loss allowance to noncurrent loans | 167.0190% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9778% | 984 |
| Noncurrent loans to loans | 0.9822% | 1,439 |
| Net loans and leases to total assets | 75.6986% | 821 |
| Net loans and leases to deposits | 85.0349% | 1,350 |
| Net loans and leases to core deposits | 92.7876% | 1,320 |
| Total domestic deposits to total assets | 89.0206% | 978 |
| Equity capital to assets | 9.9392% | 3,189 |
| Core capital (leverage) ratio | 8.1353% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $752,631,200 | 1,103 |
| Average earning assets | $688,454,000 | 1,120 |
| Average equity | $76,919,800 | 1,196 |
| Average total loans | $601,128,400 | 974 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3227% | 337 |
| Cost of funding earning assets | 0.7556% | 1,701 |
| Net interest margin | 4.5671% | 334 |
| Noninterest income to average assets | 1.5193% | 504 |
| Noninterest expense to average assets | 3.3463% | 848 |
| Loan and lease loss provision to assets | 0.8934% | 176 |
| Net operating income to assets | 1.0876% | 2,025 |
| Return on assets (ROA) | 1.0976% | 2,117 |
| Pretax return on assets | 1.4679% | 1,520 |
| Return on Equity (ROE) | 10.6622% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.8728% | 2,157 |
| Net charge-offs to loans | 0.2950% | 534 |
| Credit loss provision to net charge-offs | 375.5087% | 1,529 |
| Earnings coverage of net charge-offs (x) | 9.8711% | 2,397 |
| Efficiency ratio | 58.7602% | 3,563 |
| Assets per employee ($millions) | 4.2654% | 4,077 |
| Cash dividends to net income (ytd only)* | 44.9200% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 1,180 |
| Loan loss allowance to noncurrent loans | 162.3428% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.0095% | 1,096 |
| Noncurrent loans to loans | 0.9679% | 1,551 |
| Net loans and leases to total assets | 79.6149% | 643 |
| Net loans and leases to deposits | 89.7707% | 1,290 |
| Net loans and leases to core deposits | 99.4275% | 1,205 |
| Total domestic deposits to total assets | 88.6869% | 900 |
| Equity capital to assets | 10.1928% | 3,075 |
| Core capital (leverage) ratio | 8.0858% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $743,643,000 | 1,101 |
| Average earning assets | $679,894,000 | 1,113 |
| Average equity | $76,555,000 | 1,194 |
| Average total loans | $599,684,750 | 972 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5436% | 314 |
| Cost of funding earning assets | 0.8200% | 1,730 |
| Net interest margin | 4.7236% | 320 |
| Noninterest income to average assets | 1.5457% | 427 |
| Noninterest expense to average assets | 3.4264% | 822 |
| Loan and lease loss provision to assets | 1.1311% | 162 |
| Net operating income to assets | 1.0030% | 2,317 |
| Return on assets (ROA) | 1.0183% | 2,387 |
| Pretax return on assets | 1.3231% | 1,953 |
| Return on Equity (ROE) | 9.8573% | 2,028 |
| Retained earnings to average equity (ytd only) | 7.8795% | 1,342 |
| Net charge-offs to loans | 0.3378% | 480 |
| Credit loss provision to net charge-offs | 415.6156% | 1,378 |
| Earnings coverage of net charge-offs (x) | 8.9469% | 2,254 |
| Efficiency ratio | 58.4588% | 3,638 |
| Assets per employee ($millions) | 4.3455% | 3,963 |
| Cash dividends to net income (ytd only)* | 20.0642% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 1,328 |
| Loan loss allowance to noncurrent loans | 122.2937% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0537% | 1,109 |
| Noncurrent loans to loans | 1.2110% | 1,297 |
| Net loans and leases to total assets | 79.6131% | 637 |
| Net loans and leases to deposits | 89.7209% | 1,379 |
| Net loans and leases to core deposits | 99.5889% | 1,287 |
| Total domestic deposits to total assets | 88.7342% | 850 |
| Equity capital to assets | 10.0509% | 3,159 |
| Core capital (leverage) ratio | 7.9597% | 4,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8175% | 3,179 |
| Memoranda: | ||
| Average total assets | $734,176,333 | 1,101 |
| Average earning assets | $670,759,667 | 1,109 |
| Average equity | $75,842,333 | 1,197 |
| Average total loans | $591,422,000 | 970 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3130% | 540 |
| Cost of funding earning assets | 0.9467% | 1,656 |
| Net interest margin | 4.3663% | 669 |
| Noninterest income to average assets | 1.6402% | 335 |
| Noninterest expense to average assets | 3.6797% | 718 |
| Loan and lease loss provision to assets | 0.8148% | 300 |
| Net operating income to assets | 0.8888% | 2,557 |
| Return on assets (ROA) | 0.9203% | 2,563 |
| Pretax return on assets | 1.1635% | 2,329 |
| Return on Equity (ROE) | 8.7796% | 2,202 |
| Retained earnings to average equity (ytd only) | 4.7621% | 2,388 |
| Net charge-offs to loans | 0.1760% | 756 |
| Credit loss provision to net charge-offs | 575.7937% | 815 |
| Earnings coverage of net charge-offs (x) | 13.6984% | 1,638 |
| Efficiency ratio | 65.4973% | 3,028 |
| Assets per employee ($millions) | 4.0134% | 3,900 |
| Cash dividends to net income (ytd only)* | 45.7596% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,327 |
| Loan loss allowance to noncurrent loans | 101.8839% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.1312% | 1,136 |
| Noncurrent loans to loans | 1.2386% | 1,313 |
| Net loans and leases to total assets | 80.5532% | 629 |
| Net loans and leases to deposits | 91.2191% | 1,376 |
| Net loans and leases to core deposits | 103.2600% | 1,233 |
| Total domestic deposits to total assets | 88.3074% | 972 |
| Equity capital to assets | 10.4689% | 3,353 |
| Core capital (leverage) ratio | 8.3299% | 4,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7156% | 3,361 |
| Memoranda: | ||
| Average total assets | $712,345,500 | 1,097 |
| Average earning assets | $648,970,000 | 1,111 |
| Average equity | $74,673,500 | 1,205 |
| Average total loans | $572,848,000 | 977 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 909 |
| Cost of funding earning assets | 0.9036% | 2,173 |
| Net interest margin | 4.3433% | 996 |
| Noninterest income to average assets | 1.2054% | 652 |
| Noninterest expense to average assets | 3.3555% | 1,195 |
| Loan and lease loss provision to assets | 0.1368% | 1,559 |
| Net operating income to assets | 1.2496% | 1,872 |
| Return on assets (ROA) | 1.2510% | 1,956 |
| Pretax return on assets | 1.6601% | 1,305 |
| Return on Equity (ROE) | 12.0859% | 1,478 |
| Retained earnings to average equity (ytd only) | 6.1420% | 1,799 |
| Net charge-offs to loans | 0.0699% | 2,095 |
| Credit loss provision to net charge-offs | 241.9689% | 1,120 |
| Earnings coverage of net charge-offs (x) | 31.7487% | 1,528 |
| Efficiency ratio | 65.1470% | 2,907 |
| Assets per employee ($millions) | 4.1240% | 3,731 |
| Cash dividends to net income (ytd only)* | 49.1803% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 2,997 |
| Loan loss allowance to noncurrent loans | 81.6013% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1844% | 1,001 |
| Noncurrent loans to loans | 1.3384% | 1,116 |
| Net loans and leases to total assets | 78.1391% | 1,061 |
| Net loans and leases to deposits | 88.8358% | 1,727 |
| Net loans and leases to core deposits | 100.9324% | 1,489 |
| Total domestic deposits to total assets | 87.9590% | 1,142 |
| Equity capital to assets | 10.7415% | 3,224 |
| Core capital (leverage) ratio | 8.3338% | 4,932 |
| Tier 1 risk-based capital ratio | 9.8361% | 5,136 |
| Total risk-based capital ratio | 10.8877% | 5,132 |
| Memoranda: | ||
| Average total assets | $682,674,400 | 1,096 |
| Average earning assets | $620,104,800 | 1,110 |
| Average equity | $70,660,800 | 1,214 |
| Average total loans | $552,550,000 | 977 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6900% | 420 |
| Cost of funding earning assets | 0.9337% | 2,067 |
| Net interest margin | 4.7563% | 449 |
| Noninterest income to average assets | 1.2919% | 557 |
| Noninterest expense to average assets | 3.4871% | 965 |
| Loan and lease loss provision to assets | 0.1477% | 1,290 |
| Net operating income to assets | 1.5141% | 1,155 |
| Return on assets (ROA) | 1.5153% | 1,205 |
| Pretax return on assets | 1.9764% | 724 |
| Return on Equity (ROE) | 14.0389% | 976 |
| Retained earnings to average equity (ytd only) | 7.9859% | 1,399 |
| Net charge-offs to loans | 0.0372% | 2,346 |
| Credit loss provision to net charge-offs | 480.8511% | 650 |
| Earnings coverage of net charge-offs (x) | 69.1188% | 966 |
| Efficiency ratio | 62.1632% | 3,304 |
| Assets per employee ($millions) | 3.9587% | 3,955 |
| Cash dividends to net income (ytd only)* | 43.1158% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,738 |
| Loan loss allowance to noncurrent loans | 321.7277% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 2,716 |
| Noncurrent loans to loans | 0.3595% | 3,259 |
| Net loans and leases to total assets | 82.9034% | 465 |
| Net loans and leases to deposits | 94.8771% | 1,137 |
| Net loans and leases to core deposits | 107.5715% | 1,077 |
| Total domestic deposits to total assets | 87.3797% | 1,322 |
| Equity capital to assets | 10.8845% | 3,215 |
| Core capital (leverage) ratio | 8.5491% | 4,924 |
| Tier 1 risk-based capital ratio | 9.5217% | 5,232 |
| Total risk-based capital ratio | 10.6276% | 5,230 |
| Memoranda: | ||
| Average total assets | $612,219,000 | 1,206 |
| Average earning assets | $555,768,250 | 1,224 |
| Average equity | $66,081,250 | 1,281 |
| Average total loans | $505,207,250 | 1,067 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6229% | 454 |
| Cost of funding earning assets | 0.8895% | 2,201 |
| Net interest margin | 4.7334% | 461 |
| Noninterest income to average assets | 1.2142% | 578 |
| Noninterest expense to average assets | 3.5921% | 855 |
| Loan and lease loss provision to assets | 0.1299% | 1,439 |
| Net operating income to assets | 1.3380% | 1,625 |
| Return on assets (ROA) | 1.3398% | 1,682 |
| Pretax return on assets | 1.7876% | 1,068 |
| Return on Equity (ROE) | 12.4494% | 1,430 |
| Retained earnings to average equity (ytd only) | 3.2367% | 3,606 |
| Net charge-offs to loans | 0.0213% | 2,422 |
| Credit loss provision to net charge-offs | 741.5094% | 450 |
| Earnings coverage of net charge-offs (x) | 109.3396% | 653 |
| Efficiency ratio | 65.2244% | 2,938 |
| Assets per employee ($millions) | 3.9519% | 3,935 |
| Cash dividends to net income (ytd only)* | 74.0010% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 2,742 |
| Loan loss allowance to noncurrent loans | 346.8222% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 2,894 |
| Noncurrent loans to loans | 0.3345% | 3,341 |
| Net loans and leases to total assets | 80.6606% | 785 |
| Net loans and leases to deposits | 94.3361% | 1,225 |
| Net loans and leases to core deposits | 105.6479% | 1,267 |
| Total domestic deposits to total assets | 85.5035% | 2,261 |
| Equity capital to assets | 10.4779% | 3,536 |
| Core capital (leverage) ratio | 8.2739% | 5,072 |
| Tier 1 risk-based capital ratio | 9.4931% | 5,279 |
| Total risk-based capital ratio | 10.6221% | 5,272 |
| Memoranda: | ||
| Average total assets | $605,160,670 | 1,220 |
| Average earning assets | $548,861,000 | 1,236 |
| Average equity | $65,127,670 | 1,288 |
| Average total loans | $496,526,330 | 1,086 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5637% | 464 |
| Cost of funding earning assets | 0.8384% | 2,336 |
| Net interest margin | 4.7253% | 467 |
| Noninterest income to average assets | 1.1416% | 620 |
| Noninterest expense to average assets | 3.7839% | 666 |
| Loan and lease loss provision to assets | 0.0950% | 1,838 |
| Net operating income to assets | 1.1675% | 2,187 |
| Return on assets (ROA) | 1.1712% | 2,228 |
| Pretax return on assets | 1.5553% | 1,596 |
| Return on Equity (ROE) | 10.7329% | 2,063 |
| Retained earnings to average equity (ytd only) | 10.7329% | 871 |
| Net charge-offs to loans | -0.0066% | 4,093 |
| Credit loss provision to net charge-offs | -1,762.5000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6910% | 2,394 |
| Assets per employee ($millions) | 3.6427% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 2,769 |
| Loan loss allowance to noncurrent loans | 226.1194% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 2,409 |
| Noncurrent loans to loans | 0.5150% | 2,769 |
| Net loans and leases to total assets | 81.2953% | 670 |
| Net loans and leases to deposits | 93.0510% | 1,277 |
| Net loans and leases to core deposits | 102.9398% | 1,387 |
| Total domestic deposits to total assets | 87.3664% | 1,628 |
| Equity capital to assets | 10.9563% | 2,901 |
| Core capital (leverage) ratio | 8.6849% | 4,884 |
| Tier 1 risk-based capital ratio | 9.9638% | 5,292 |
| Total risk-based capital ratio | 11.0957% | 5,268 |
| Memoranda: | ||
| Average total assets | $593,565,500 | 1,239 |
| Average earning assets | $538,636,000 | 1,259 |
| Average equity | $64,772,500 | 1,286 |
| Average total loans | $488,399,500 | 1,103 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2621% | 624 |
| Cost of funding earning assets | 0.6056% | 2,675 |
| Net interest margin | 4.6565% | 536 |
| Noninterest income to average assets | 1.1350% | 714 |
| Noninterest expense to average assets | 3.3959% | 1,159 |
| Loan and lease loss provision to assets | 0.0200% | 3,762 |
| Net operating income to assets | 1.4805% | 1,173 |
| Return on assets (ROA) | 1.4794% | 1,163 |
| Pretax return on assets | 1.9465% | 632 |
| Return on Equity (ROE) | 13.5009% | 1,171 |
| Retained earnings to average equity (ytd only) | 0.3986% | 4,877 |
| Net charge-offs to loans | 0.0198% | 3,035 |
| Credit loss provision to net charge-offs | 122.3404% | 2,133 |
| Earnings coverage of net charge-offs (x) | 120.2979% | 648 |
| Efficiency ratio | 63.3107% | 3,284 |
| Assets per employee ($millions) | 3.6358% | 4,403 |
| Cash dividends to net income (ytd only)* | 97.0474% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,758 |
| Loan loss allowance to noncurrent loans | 221.4850% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 2,288 |
| Noncurrent loans to loans | 0.5249% | 2,699 |
| Net loans and leases to total assets | 81.4556% | 739 |
| Net loans and leases to deposits | 92.4200% | 1,494 |
| Net loans and leases to core deposits | 102.1054% | 1,569 |
| Total domestic deposits to total assets | 88.1364% | 1,241 |
| Equity capital to assets | 10.7778% | 2,902 |
| Core capital (leverage) ratio | 8.6951% | 4,885 |
| Tier 1 risk-based capital ratio | 9.8413% | 5,341 |
| Total risk-based capital ratio | 10.9798% | 5,321 |
| Memoranda: | ||
| Average total assets | $574,608,800 | 1,244 |
| Average earning assets | $521,828,400 | 1,263 |
| Average equity | $62,966,400 | 1,270 |
| Average total loans | $474,791,800 | 1,098 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1991% | 630 |
| Cost of funding earning assets | 0.5712% | 2,697 |
| Net interest margin | 4.6279% | 559 |
| Noninterest income to average assets | 1.1551% | 704 |
| Noninterest expense to average assets | 3.4041% | 1,110 |
| Loan and lease loss provision to assets | -0.0280% | 5,258 |
| Net operating income to assets | 1.4850% | 1,236 |
| Return on assets (ROA) | 1.4850% | 1,235 |
| Pretax return on assets | 1.9853% | 644 |
| Return on Equity (ROE) | 13.4950% | 1,266 |
| Retained earnings to average equity (ytd only) | 0.2542% | 4,993 |
| Net charge-offs to loans | 0.0245% | 2,636 |
| Credit loss provision to net charge-offs | -137.9310% | 4,272 |
| Earnings coverage of net charge-offs (x) | 96.5034% | 775 |
| Efficiency ratio | 63.4925% | 3,269 |
| Assets per employee ($millions) | 3.6124% | 4,424 |
| Cash dividends to net income (ytd only)* | 98.1162% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 2,818 |
| Loan loss allowance to noncurrent loans | 173.6044% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 1,492 |
| Noncurrent loans to loans | 0.6714% | 2,399 |
| Net loans and leases to total assets | 80.9502% | 877 |
| Net loans and leases to deposits | 92.4048% | 1,573 |
| Net loans and leases to core deposits | 103.0261% | 1,530 |
| Total domestic deposits to total assets | 87.6039% | 1,441 |
| Equity capital to assets | 11.1223% | 2,545 |
| Core capital (leverage) ratio | 8.7068% | 4,955 |
| Tier 1 risk-based capital ratio | 10.5225% | 5,232 |
| Total risk-based capital ratio | 11.6938% | 5,172 |
| Memoranda: | ||
| Average total assets | $571,919,000 | 1,250 |
| Average earning assets | $519,818,750 | 1,269 |
| Average equity | $62,935,500 | 1,269 |
| Average total loans | $472,884,000 | 1,101 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 628 |
| Cost of funding earning assets | 0.5458% | 2,644 |
| Net interest margin | 4.5805% | 578 |
| Noninterest income to average assets | 1.1331% | 746 |
| Noninterest expense to average assets | 3.3098% | 1,296 |
| Loan and lease loss provision to assets | 0.0146% | 3,582 |
| Net operating income to assets | 1.4769% | 1,208 |
| Return on assets (ROA) | 1.4769% | 1,209 |
| Pretax return on assets | 1.9707% | 640 |
| Return on Equity (ROE) | 13.4685% | 1,217 |
| Retained earnings to average equity (ytd only) | -0.0190% | 4,960 |
| Net charge-offs to loans | 0.0239% | 2,389 |
| Credit loss provision to net charge-offs | 73.6842% | 2,315 |
| Earnings coverage of net charge-offs (x) | 100.0877% | 696 |
| Efficiency ratio | 62.5066% | 3,559 |
| Assets per employee ($millions) | 3.6884% | 4,365 |
| Cash dividends to net income (ytd only)* | 100.1414% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 2,915 |
| Loan loss allowance to noncurrent loans | 192.8028% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8944% | 1,683 |
| Noncurrent loans to loans | 0.6030% | 2,606 |
| Net loans and leases to total assets | 82.8616% | 600 |
| Net loans and leases to deposits | 94.9988% | 1,250 |
| Net loans and leases to core deposits | 106.2958% | 1,222 |
| Total domestic deposits to total assets | 87.2238% | 1,750 |
| Equity capital to assets | 10.9756% | 2,659 |
| Core capital (leverage) ratio | 8.6422% | 5,002 |
| Tier 1 risk-based capital ratio | 9.9437% | 5,444 |
| Total risk-based capital ratio | 11.0928% | 5,411 |
| Memoranda: | ||
| Average total assets | $574,714,000 | 1,250 |
| Average earning assets | $522,209,000 | 1,269 |
| Average equity | $63,021,330 | 1,270 |
| Average total loans | $476,658,000 | 1,093 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0460% | 633 |
| Cost of funding earning assets | 0.5307% | 2,537 |
| Net interest margin | 4.5153% | 597 |
| Noninterest income to average assets | 1.0170% | 883 |
| Noninterest expense to average assets | 3.3799% | 1,194 |
| Loan and lease loss provision to assets | -0.0472% | 5,459 |
| Net operating income to assets | 1.4168% | 1,301 |
| Return on assets (ROA) | 1.4168% | 1,308 |
| Pretax return on assets | 1.7833% | 945 |
| Return on Equity (ROE) | 12.9262% | 1,286 |
| Retained earnings to average equity (ytd only) | 3.4263% | 3,837 |
| Net charge-offs to loans | 0.0328% | 1,846 |
| Credit loss provision to net charge-offs | -174.3590% | 3,789 |
| Earnings coverage of net charge-offs (x) | 64.1282% | 807 |
| Efficiency ratio | 66.0651% | 3,144 |
| Assets per employee ($millions) | 3.8396% | 4,231 |
| Cash dividends to net income (ytd only)* | 73.4934% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 2,995 |
| Loan loss allowance to noncurrent loans | 194.5332% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8413% | 1,880 |
| Noncurrent loans to loans | 0.5997% | 2,747 |
| Net loans and leases to total assets | 80.0727% | 922 |
| Net loans and leases to deposits | 91.0650% | 1,549 |
| Net loans and leases to core deposits | 110.3788% | 981 |
| Total domestic deposits to total assets | 87.9292% | 1,659 |
| Equity capital to assets | 10.9328% | 2,648 |
| Core capital (leverage) ratio | 8.7585% | 4,939 |
| Tier 1 risk-based capital ratio | 10.0235% | 5,499 |
| Total risk-based capital ratio | 11.1501% | 5,470 |
| Memoranda: | ||
| Average total assets | $576,222,000 | 1,258 |
| Average earning assets | $523,110,500 | 1,282 |
| Average equity | $63,158,500 | 1,268 |
| Average total loans | $475,342,000 | 1,110 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 599 |
| Cost of funding earning assets | 0.4833% | 2,473 |
| Net interest margin | 4.5587% | 546 |
| Noninterest income to average assets | 1.2909% | 638 |
| Noninterest expense to average assets | 3.2539% | 1,484 |
| Loan and lease loss provision to assets | 0.3309% | 505 |
| Net operating income to assets | 1.8353% | 386 |
| Return on assets (ROA) | 1.8353% | 393 |
| Pretax return on assets | 1.8353% | 722 |
| Return on Equity (ROE) | 16.7424% | 419 |
| Retained earnings to average equity (ytd only) | 4.6558% | 2,352 |
| Net charge-offs to loans | 0.4089% | 614 |
| Credit loss provision to net charge-offs | 97.2482% | 2,654 |
| Earnings coverage of net charge-offs (x) | 6.3666% | 3,193 |
| Efficiency ratio | 60.0339% | 4,261 |
| Assets per employee ($millions) | 3.8693% | 4,163 |
| Cash dividends to net income (ytd only)* | 72.1917% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 3,000 |
| Loan loss allowance to noncurrent loans | 214.1433% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 2,319 |
| Noncurrent loans to loans | 0.5425% | 2,873 |
| Net loans and leases to total assets | 83.0106% | 560 |
| Net loans and leases to deposits | 98.3694% | 871 |
| Net loans and leases to core deposits | 117.7322% | 660 |
| Total domestic deposits to total assets | 84.3866% | 3,073 |
| Equity capital to assets | 10.9891% | 2,635 |
| Core capital (leverage) ratio | 8.7046% | 4,948 |
| Tier 1 risk-based capital ratio | 9.7139% | 5,581 |
| Total risk-based capital ratio | 10.8473% | 5,574 |
| Memoranda: | ||
| Average total assets | $566,054,000 | 1,255 |
| Average earning assets | $512,737,400 | 1,271 |
| Average equity | $62,052,200 | 1,277 |
| Average total loans | $471,033,000 | 1,086 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 601 |
| Cost of funding earning assets | 0.4711% | 2,511 |
| Net interest margin | 4.5375% | 552 |
| Noninterest income to average assets | 1.3305% | 591 |
| Noninterest expense to average assets | 3.2676% | 1,414 |
| Loan and lease loss provision to assets | 0.2362% | 753 |
| Net operating income to assets | 1.9362% | 354 |
| Return on assets (ROA) | 1.9362% | 358 |
| Pretax return on assets | 1.9362% | 624 |
| Return on Equity (ROE) | 17.6730% | 360 |
| Retained earnings to average equity (ytd only) | 3.6571% | 3,750 |
| Net charge-offs to loans | 0.3099% | 680 |
| Credit loss provision to net charge-offs | 91.8274% | 2,438 |
| Earnings coverage of net charge-offs (x) | 8.4445% | 2,782 |
| Efficiency ratio | 60.0660% | 4,202 |
| Assets per employee ($millions) | 3.8078% | 4,301 |
| Cash dividends to net income (ytd only)* | 79.3070% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,117 |
| Loan loss allowance to noncurrent loans | 188.6812% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7145% | 2,365 |
| Noncurrent loans to loans | 0.6175% | 2,861 |
| Net loans and leases to total assets | 82.4382% | 610 |
| Net loans and leases to deposits | 98.3951% | 877 |
| Net loans and leases to core deposits | 112.1981% | 919 |
| Total domestic deposits to total assets | 83.7828% | 3,196 |
| Equity capital to assets | 10.8615% | 3,006 |
| Core capital (leverage) ratio | 8.5319% | 5,222 |
| Tier 1 risk-based capital ratio | 9.4743% | 5,675 |
| Total risk-based capital ratio | 10.6005% | 5,671 |
| Memoranda: | ||
| Average total assets | $564,403,250 | 1,269 |
| Average earning assets | $511,166,750 | 1,285 |
| Average equity | $61,832,750 | 1,288 |
| Average total loans | $468,553,000 | 1,092 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9554% | 604 |
| Cost of funding earning assets | 0.4667% | 2,441 |
| Net interest margin | 4.4887% | 576 |
| Noninterest income to average assets | 1.4438% | 519 |
| Noninterest expense to average assets | 3.2287% | 1,521 |
| Loan and lease loss provision to assets | 0.0996% | 2,024 |
| Net operating income to assets | 2.1735% | 221 |
| Return on assets (ROA) | 2.1735% | 225 |
| Pretax return on assets | 2.1735% | 369 |
| Return on Equity (ROE) | 19.7816% | 223 |
| Retained earnings to average equity (ytd only) | 8.4482% | 1,013 |
| Net charge-offs to loans | 0.1932% | 1,041 |
| Credit loss provision to net charge-offs | 62.2222% | 2,444 |
| Earnings coverage of net charge-offs (x) | 14.1978% | 2,087 |
| Efficiency ratio | 58.6847% | 4,508 |
| Assets per employee ($millions) | 3.8511% | 4,199 |
| Cash dividends to net income (ytd only)* | 57.2925% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 3,223 |
| Loan loss allowance to noncurrent loans | 135.5302% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 1,913 |
| Noncurrent loans to loans | 0.8589% | 2,265 |
| Net loans and leases to total assets | 82.6004% | 596 |
| Net loans and leases to deposits | 95.1821% | 1,162 |
| Net loans and leases to core deposits | 109.0271% | 1,048 |
| Total domestic deposits to total assets | 86.7814% | 2,048 |
| Equity capital to assets | 11.2029% | 2,587 |
| Core capital (leverage) ratio | 8.5976% | 5,146 |
| Tier 1 risk-based capital ratio | 9.8797% | 5,658 |
| Total risk-based capital ratio | 11.0151% | 5,648 |
| Memoranda: | ||
| Average total assets | $562,147,000 | 1,282 |
| Average earning assets | $508,214,000 | 1,300 |
| Average equity | $61,764,330 | 1,287 |
| Average total loans | $465,932,330 | 1,101 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8433% | 692 |
| Cost of funding earning assets | 0.4631% | 2,397 |
| Net interest margin | 4.3803% | 660 |
| Noninterest income to average assets | 1.0504% | 911 |
| Noninterest expense to average assets | 3.4243% | 1,149 |
| Loan and lease loss provision to assets | 0.1466% | 1,277 |
| Net operating income to assets | 1.4375% | 918 |
| Return on assets (ROA) | 1.4375% | 943 |
| Pretax return on assets | 1.4375% | 1,742 |
| Return on Equity (ROE) | 13.2130% | 956 |
| Retained earnings to average equity (ytd only) | 13.2130% | 359 |
| Net charge-offs to loans | 0.0388% | 2,033 |
| Credit loss provision to net charge-offs | 457.7778% | 602 |
| Earnings coverage of net charge-offs (x) | 49.4667% | 902 |
| Efficiency ratio | 68.3717% | 3,142 |
| Assets per employee ($millions) | 3.8879% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,912 |
| Loan loss allowance to noncurrent loans | 119.4359% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0656% | 1,690 |
| Noncurrent loans to loans | 1.0341% | 1,990 |
| Net loans and leases to total assets | 81.7224% | 599 |
| Net loans and leases to deposits | 93.3874% | 1,175 |
| Net loans and leases to core deposits | 107.2864% | 1,019 |
| Total domestic deposits to total assets | 87.5091% | 1,984 |
| Equity capital to assets | 10.9572% | 2,678 |
| Core capital (leverage) ratio | 8.7177% | 5,027 |
| Tier 1 risk-based capital ratio | 9.6975% | 5,753 |
| Total risk-based capital ratio | 10.8935% | 5,743 |
| Memoranda: | ||
| Average total assets | $562,093,500 | 1,281 |
| Average earning assets | $507,916,000 | 1,296 |
| Average equity | $61,152,000 | 1,298 |
| Average total loans | $463,951,500 | 1,106 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 657 |
| Cost of funding earning assets | 0.4805% | 2,251 |
| Net interest margin | 4.4693% | 662 |
| Noninterest income to average assets | 1.2967% | 678 |
| Noninterest expense to average assets | 3.5622% | 1,061 |
| Loan and lease loss provision to assets | 0.1622% | 1,525 |
| Net operating income to assets | 1.5818% | 711 |
| Return on assets (ROA) | 1.5831% | 737 |
| Pretax return on assets | 1.5831% | 1,338 |
| Return on Equity (ROE) | 14.3514% | 720 |
| Retained earnings to average equity (ytd only) | 5.1314% | 2,257 |
| Net charge-offs to loans | 0.0799% | 2,545 |
| Credit loss provision to net charge-offs | 252.0115% | 1,147 |
| Earnings coverage of net charge-offs (x) | 27.1006% | 1,525 |
| Efficiency ratio | 66.9478% | 3,448 |
| Assets per employee ($millions) | 3.8120% | 4,283 |
| Cash dividends to net income (ytd only)* | 64.2448% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 2,930 |
| Loan loss allowance to noncurrent loans | 131.1018% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9823% | 1,930 |
| Noncurrent loans to loans | 0.9389% | 2,209 |
| Net loans and leases to total assets | 81.3180% | 695 |
| Net loans and leases to deposits | 92.8493% | 1,321 |
| Net loans and leases to core deposits | 106.5858% | 1,094 |
| Total domestic deposits to total assets | 87.5807% | 1,839 |
| Equity capital to assets | 10.7999% | 2,814 |
| Core capital (leverage) ratio | 8.5120% | 5,251 |
| Tier 1 risk-based capital ratio | 9.6989% | 5,795 |
| Total risk-based capital ratio | 10.9140% | 5,784 |
| Memoranda: | ||
| Average total assets | $540,764,600 | 1,281 |
| Average earning assets | $485,133,000 | 1,305 |
| Average equity | $59,652,600 | 1,297 |
| Average total loans | $435,555,600 | 1,121 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9405% | 674 |
| Cost of funding earning assets | 0.4822% | 2,238 |
| Net interest margin | 4.4584% | 692 |
| Noninterest income to average assets | 1.3256% | 668 |
| Noninterest expense to average assets | 3.6570% | 911 |
| Loan and lease loss provision to assets | 0.1639% | 1,395 |
| Net operating income to assets | 1.5029% | 877 |
| Return on assets (ROA) | 1.5046% | 924 |
| Pretax return on assets | 1.5046% | 1,699 |
| Return on Equity (ROE) | 13.5661% | 902 |
| Retained earnings to average equity (ytd only) | 7.9677% | 1,187 |
| Net charge-offs to loans | 0.0884% | 2,078 |
| Credit loss provision to net charge-offs | 231.5789% | 1,269 |
| Earnings coverage of net charge-offs (x) | 23.5474% | 1,712 |
| Efficiency ratio | 68.4441% | 3,149 |
| Assets per employee ($millions) | 3.6456% | 4,577 |
| Cash dividends to net income (ytd only)* | 41.2678% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 3,045 |
| Loan loss allowance to noncurrent loans | 119.4166% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 1,690 |
| Noncurrent loans to loans | 1.0322% | 2,176 |
| Net loans and leases to total assets | 80.3874% | 836 |
| Net loans and leases to deposits | 92.3909% | 1,446 |
| Net loans and leases to core deposits | 106.2069% | 1,170 |
| Total domestic deposits to total assets | 87.0079% | 1,897 |
| Equity capital to assets | 11.2065% | 2,792 |
| Core capital (leverage) ratio | 8.5264% | 5,343 |
| Tier 1 risk-based capital ratio | 9.8587% | 5,824 |
| Total risk-based capital ratio | 11.0473% | 5,817 |
| Memoranda: | ||
| Average total assets | $536,817,750 | 1,295 |
| Average earning assets | $481,420,750 | 1,323 |
| Average equity | $59,539,000 | 1,309 |
| Average total loans | $429,890,250 | 1,135 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 672 |
| Cost of funding earning assets | 0.4689% | 2,385 |
| Net interest margin | 4.4616% | 669 |
| Noninterest income to average assets | 1.3613% | 619 |
| Noninterest expense to average assets | 3.7059% | 869 |
| Loan and lease loss provision to assets | 0.2137% | 994 |
| Net operating income to assets | 1.4374% | 992 |
| Return on assets (ROA) | 1.4400% | 1,039 |
| Pretax return on assets | 1.4400% | 1,877 |
| Return on Equity (ROE) | 13.0295% | 1,022 |
| Retained earnings to average equity (ytd only) | 9.6373% | 674 |
| Net charge-offs to loans | 0.1111% | 1,716 |
| Credit loss provision to net charge-offs | 241.5254% | 1,132 |
| Earnings coverage of net charge-offs (x) | 18.6610% | 1,813 |
| Efficiency ratio | 68.8082% | 3,190 |
| Assets per employee ($millions) | 3.5638% | 4,661 |
| Cash dividends to net income (ytd only)* | 26.0349% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 3,159 |
| Loan loss allowance to noncurrent loans | 252.3170% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7934% | 2,609 |
| Noncurrent loans to loans | 0.4895% | 3,617 |
| Net loans and leases to total assets | 80.3766% | 845 |
| Net loans and leases to deposits | 92.6843% | 1,435 |
| Net loans and leases to core deposits | 106.5467% | 1,139 |
| Total domestic deposits to total assets | 86.7208% | 2,053 |
| Equity capital to assets | 11.1958% | 2,850 |
| Core capital (leverage) ratio | 8.6522% | 5,211 |
| Tier 1 risk-based capital ratio | 9.9466% | 5,873 |
| Total risk-based capital ratio | 11.1558% | 5,833 |
| Memoranda: | ||
| Average total assets | $533,479,330 | 1,305 |
| Average earning assets | $477,763,670 | 1,333 |
| Average equity | $58,958,330 | 1,319 |
| Average total loans | $424,830,000 | 1,147 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 785 |
| Cost of funding earning assets | 0.4494% | 2,593 |
| Net interest margin | 4.3884% | 759 |
| Noninterest income to average assets | 1.2687% | 678 |
| Noninterest expense to average assets | 3.6761% | 923 |
| Loan and lease loss provision to assets | 0.1156% | 1,813 |
| Net operating income to assets | 1.4024% | 1,028 |
| Return on assets (ROA) | 1.4024% | 1,088 |
| Pretax return on assets | 1.4024% | 1,901 |
| Return on Equity (ROE) | 12.7750% | 1,087 |
| Retained earnings to average equity (ytd only) | 5.8919% | 2,425 |
| Net charge-offs to loans | 0.0326% | 2,303 |
| Credit loss provision to net charge-offs | 450.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 59.0882% | 789 |
| Efficiency ratio | 70.0029% | 3,129 |
| Assets per employee ($millions) | 3.4852% | 4,836 |
| Cash dividends to net income (ytd only)* | 53.8793% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 3,259 |
| Loan loss allowance to noncurrent loans | 438.3906% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 3,663 |
| Noncurrent loans to loans | 0.2827% | 4,419 |
| Net loans and leases to total assets | 77.6585% | 1,145 |
| Net loans and leases to deposits | 89.2308% | 1,671 |
| Net loans and leases to core deposits | 100.8346% | 1,419 |
| Total domestic deposits to total assets | 87.0311% | 2,197 |
| Equity capital to assets | 10.9192% | 3,029 |
| Core capital (leverage) ratio | 8.4411% | 5,448 |
| Tier 1 risk-based capital ratio | 9.6579% | 5,977 |
| Total risk-based capital ratio | 10.8380% | 5,975 |
| Memoranda: | ||
| Average total assets | $529,366,500 | 1,316 |
| Average earning assets | $473,523,000 | 1,341 |
| Average equity | $58,113,500 | 1,329 |
| Average total loans | $416,820,500 | 1,163 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 792 |
| Cost of funding earning assets | 0.4652% | 2,482 |
| Net interest margin | 4.4215% | 758 |
| Noninterest income to average assets | 1.7080% | 449 |
| Noninterest expense to average assets | 3.8056% | 855 |
| Loan and lease loss provision to assets | 0.1583% | 1,466 |
| Net operating income to assets | 1.6926% | 587 |
| Return on assets (ROA) | 1.6936% | 602 |
| Pretax return on assets | 1.6936% | 1,009 |
| Return on Equity (ROE) | 15.1326% | 666 |
| Retained earnings to average equity (ytd only) | 4.5269% | 2,764 |
| Net charge-offs to loans | 0.1993% | 1,467 |
| Credit loss provision to net charge-offs | 101.5228% | 2,466 |
| Earnings coverage of net charge-offs (x) | 11.8731% | 2,519 |
| Efficiency ratio | 66.5408% | 3,821 |
| Assets per employee ($millions) | 3.3679% | 5,039 |
| Cash dividends to net income (ytd only)* | 70.0853% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 3,233 |
| Loan loss allowance to noncurrent loans | 173.0196% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 3,093 |
| Noncurrent loans to loans | 0.7177% | 3,031 |
| Net loans and leases to total assets | 77.8699% | 1,138 |
| Net loans and leases to deposits | 89.7766% | 1,636 |
| Net loans and leases to core deposits | 99.5540% | 1,547 |
| Total domestic deposits to total assets | 86.7374% | 2,256 |
| Equity capital to assets | 11.0383% | 2,784 |
| Core capital (leverage) ratio | 8.3274% | 5,584 |
| Tier 1 risk-based capital ratio | 9.4826% | 6,048 |
| Total risk-based capital ratio | 10.6386% | 6,047 |
| Memoranda: | ||
| Average total assets | $505,491,200 | 1,330 |
| Average earning assets | $451,409,000 | 1,372 |
| Average equity | $56,573,400 | 1,321 |
| Average total loans | $395,360,800 | 1,166 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 833 |
| Cost of funding earning assets | 0.4655% | 2,530 |
| Net interest margin | 4.3955% | 805 |
| Noninterest income to average assets | 1.5922% | 502 |
| Noninterest expense to average assets | 3.7976% | 855 |
| Loan and lease loss provision to assets | 0.0785% | 2,605 |
| Net operating income to assets | 1.6509% | 686 |
| Return on assets (ROA) | 1.6523% | 708 |
| Pretax return on assets | 1.6523% | 1,232 |
| Return on Equity (ROE) | 14.7107% | 768 |
| Retained earnings to average equity (ytd only) | 5.2398% | 2,756 |
| Net charge-offs to loans | 0.1571% | 1,568 |
| Credit loss provision to net charge-offs | 63.9913% | 2,857 |
| Earnings coverage of net charge-offs (x) | 14.1063% | 2,270 |
| Efficiency ratio | 67.9498% | 3,549 |
| Assets per employee ($millions) | 3.4776% | 4,833 |
| Cash dividends to net income (ytd only)* | 64.3812% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 3,633 |
| Loan loss allowance to noncurrent loans | 174.8051% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 3,371 |
| Noncurrent loans to loans | 0.6887% | 3,256 |
| Net loans and leases to total assets | 78.1251% | 1,079 |
| Net loans and leases to deposits | 90.1668% | 1,626 |
| Net loans and leases to core deposits | 100.7674% | 1,455 |
| Total domestic deposits to total assets | 86.6451% | 2,212 |
| Equity capital to assets | 11.0587% | 2,952 |
| Core capital (leverage) ratio | 8.3319% | 5,691 |
| Tier 1 risk-based capital ratio | 9.4655% | 6,150 |
| Total risk-based capital ratio | 10.5893% | 6,149 |
| Memoranda: | ||
| Average total assets | $501,359,500 | 1,344 |
| Average earning assets | $448,810,500 | 1,385 |
| Average equity | $56,311,250 | 1,337 |
| Average total loans | $391,299,500 | 1,177 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 903 |
| Cost of funding earning assets | 0.4678% | 2,537 |
| Net interest margin | 4.3237% | 876 |
| Noninterest income to average assets | 1.6411% | 491 |
| Noninterest expense to average assets | 3.9342% | 735 |
| Loan and lease loss provision to assets | 0.0282% | 3,560 |
| Net operating income to assets | 1.5419% | 839 |
| Return on assets (ROA) | 1.5419% | 875 |
| Pretax return on assets | 1.5419% | 1,519 |
| Return on Equity (ROE) | 13.6546% | 971 |
| Retained earnings to average equity (ytd only) | 4.7230% | 3,038 |
| Net charge-offs to loans | 0.1361% | 1,681 |
| Credit loss provision to net charge-offs | 26.7176% | 2,955 |
| Earnings coverage of net charge-offs (x) | 14.8550% | 2,024 |
| Efficiency ratio | 70.6977% | 3,219 |
| Assets per employee ($millions) | 3.4507% | 4,890 |
| Cash dividends to net income (ytd only)* | 65.4108% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 3,556 |
| Loan loss allowance to noncurrent loans | 90.3683% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.1521% | 2,201 |
| Noncurrent loans to loans | 1.3736% | 1,970 |
| Net loans and leases to total assets | 76.9663% | 1,226 |
| Net loans and leases to deposits | 88.9162% | 1,732 |
| Net loans and leases to core deposits | 99.3513% | 1,546 |
| Total domestic deposits to total assets | 86.5605% | 2,396 |
| Equity capital to assets | 11.1176% | 2,754 |
| Core capital (leverage) ratio | 8.3416% | 5,680 |
| Tier 1 risk-based capital ratio | 9.8695% | 6,126 |
| Total risk-based capital ratio | 11.0611% | 6,094 |
| Memoranda: | ||
| Average total assets | $495,759,330 | 1,367 |
| Average earning assets | $442,949,670 | 1,415 |
| Average equity | $55,981,000 | 1,354 |
| Average total loans | $385,150,670 | 1,197 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 857 |
| Cost of funding earning assets | 0.4728% | 2,532 |
| Net interest margin | 4.3293% | 826 |
| Noninterest income to average assets | 1.6016% | 481 |
| Noninterest expense to average assets | 3.8620% | 814 |
| Loan and lease loss provision to assets | -0.0229% | 6,122 |
| Net operating income to assets | 1.6196% | 695 |
| Return on assets (ROA) | 1.6196% | 727 |
| Pretax return on assets | 1.6196% | 1,224 |
| Return on Equity (ROE) | 14.2289% | 834 |
| Retained earnings to average equity (ytd only) | 7.0571% | 1,991 |
| Net charge-offs to loans | 0.1252% | 1,510 |
| Credit loss provision to net charge-offs | -23.5294% | 4,343 |
| Earnings coverage of net charge-offs (x) | 16.4370% | 1,567 |
| Efficiency ratio | 69.9566% | 3,497 |
| Assets per employee ($millions) | 3.3243% | 5,202 |
| Cash dividends to net income (ytd only)* | 50.4032% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 3,402 |
| Loan loss allowance to noncurrent loans | 108.2641% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0543% | 2,511 |
| Noncurrent loans to loans | 1.2008% | 2,372 |
| Net loans and leases to total assets | 75.3946% | 1,293 |
| Net loans and leases to deposits | 87.3131% | 1,692 |
| Net loans and leases to core deposits | 99.1479% | 1,382 |
| Total domestic deposits to total assets | 86.3498% | 2,736 |
| Equity capital to assets | 11.2977% | 2,650 |
| Core capital (leverage) ratio | 8.4465% | 5,578 |
| Tier 1 risk-based capital ratio | 10.2726% | 6,088 |
| Total risk-based capital ratio | 11.5226% | 6,035 |
| Memoranda: | ||
| Average total assets | $490,010,500 | 1,390 |
| Average earning assets | $436,556,000 | 1,439 |
| Average equity | $55,774,000 | 1,367 |
| Average total loans | $380,064,000 | 1,213 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 1,044 |
| Cost of funding earning assets | 0.5144% | 2,537 |
| Net interest margin | 4.3189% | 1,025 |
| Noninterest income to average assets | 1.5751% | 507 |
| Noninterest expense to average assets | 3.8686% | 891 |
| Loan and lease loss provision to assets | 0.6538% | 203 |
| Net operating income to assets | 0.8742% | 2,999 |
| Return on assets (ROA) | 0.8742% | 3,087 |
| Pretax return on assets | 0.8742% | 3,983 |
| Return on Equity (ROE) | 7.8872% | 3,193 |
| Retained earnings to average equity (ytd only) | 4.2357% | 3,175 |
| Net charge-offs to loans | 0.7754% | 459 |
| Credit loss provision to net charge-offs | 110.9937% | 2,149 |
| Earnings coverage of net charge-offs (x) | 2.5941% | 4,110 |
| Efficiency ratio | 70.8742% | 3,395 |
| Assets per employee ($millions) | 3.2092% | 5,419 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 3,205 |
| Loan loss allowance to noncurrent loans | 101.6753% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2153% | 2,347 |
| Noncurrent loans to loans | 1.3222% | 2,228 |
| Net loans and leases to total assets | 77.7202% | 1,034 |
| Net loans and leases to deposits | 90.3398% | 1,486 |
| Net loans and leases to core deposits | 101.7302% | 1,268 |
| Total domestic deposits to total assets | 86.0309% | 2,822 |
| Equity capital to assets | 11.4698% | 2,453 |
| Core capital (leverage) ratio | 8.3109% | 5,765 |
| Tier 1 risk-based capital ratio | 10.8290% | 5,973 |
| Total risk-based capital ratio | 12.0809% | 5,903 |
| Memoranda: | ||
| Average total assets | $481,801,000 | 1,384 |
| Average earning assets | $426,307,800 | 1,434 |
| Average equity | $53,403,000 | 1,369 |
| Average total loans | $365,994,400 | 1,209 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8007% | 1,105 |
| Cost of funding earning assets | 0.5218% | 2,552 |
| Net interest margin | 4.2789% | 1,095 |
| Noninterest income to average assets | 1.5062% | 553 |
| Noninterest expense to average assets | 3.8488% | 911 |
| Loan and lease loss provision to assets | 0.8591% | 137 |
| Net operating income to assets | 0.5802% | 4,539 |
| Return on assets (ROA) | 0.5802% | 4,623 |
| Pretax return on assets | 0.5802% | 5,085 |
| Return on Equity (ROE) | 5.2803% | 4,589 |
| Retained earnings to average equity (ytd only) | 2.2587% | 4,930 |
| Net charge-offs to loans | 1.0146% | 295 |
| Credit loss provision to net charge-offs | 112.5000% | 2,010 |
| Earnings coverage of net charge-offs (x) | 1.8848% | 4,052 |
| Efficiency ratio | 71.9563% | 3,186 |
| Assets per employee ($millions) | 3.0760% | 5,637 |
| Cash dividends to net income (ytd only)* | 57.2246% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 3,208 |
| Loan loss allowance to noncurrent loans | 110.7228% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 2,707 |
| Noncurrent loans to loans | 1.2587% | 2,540 |
| Net loans and leases to total assets | 76.6530% | 1,142 |
| Net loans and leases to deposits | 89.0932% | 1,539 |
| Net loans and leases to core deposits | 100.7726% | 1,312 |
| Total domestic deposits to total assets | 86.0369% | 2,832 |
| Equity capital to assets | 11.3433% | 2,635 |
| Core capital (leverage) ratio | 8.2096% | 5,919 |
| Tier 1 risk-based capital ratio | 10.8205% | 6,085 |
| Total risk-based capital ratio | 12.0731% | 6,027 |
| Memoranda: | ||
| Average total assets | $481,906,750 | 1,397 |
| Average earning assets | $425,924,250 | 1,450 |
| Average equity | $52,950,500 | 1,388 |
| Average total loans | $362,686,500 | 1,221 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 1,134 |
| Cost of funding earning assets | 0.5216% | 2,625 |
| Net interest margin | 4.2470% | 1,143 |
| Noninterest income to average assets | 1.4270% | 594 |
| Noninterest expense to average assets | 3.8235% | 942 |
| Loan and lease loss provision to assets | 1.2628% | 73 |
| Net operating income to assets | 0.0908% | 6,064 |
| Return on assets (ROA) | 0.0908% | 6,093 |
| Pretax return on assets | 0.0908% | 6,106 |
| Return on Equity (ROE) | 0.8351% | 6,084 |
| Retained earnings to average equity (ytd only) | -3.7199% | 6,155 |
| Net charge-offs to loans | 1.4311% | 199 |
| Credit loss provision to net charge-offs | 118.5128% | 1,737 |
| Earnings coverage of net charge-offs (x) | 1.2703% | 3,851 |
| Efficiency ratio | 73.0092% | 3,161 |
| Assets per employee ($millions) | 2.9858% | 5,770 |
| Cash dividends to net income (ytd only)* | 545.4545% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 3,042 |
| Loan loss allowance to noncurrent loans | 117.1562% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 2,829 |
| Noncurrent loans to loans | 1.2526% | 2,721 |
| Net loans and leases to total assets | 75.8939% | 1,181 |
| Net loans and leases to deposits | 88.4680% | 1,538 |
| Net loans and leases to core deposits | 101.9552% | 1,135 |
| Total domestic deposits to total assets | 85.7868% | 3,161 |
| Equity capital to assets | 11.1272% | 2,761 |
| Core capital (leverage) ratio | 7.7939% | 6,211 |
| Tier 1 risk-based capital ratio | 10.6894% | 6,182 |
| Total risk-based capital ratio | 11.9432% | 6,127 |
| Memoranda: | ||
| Average total assets | $484,640,330 | 1,383 |
| Average earning assets | $427,929,330 | 1,445 |
| Average equity | $52,689,330 | 1,378 |
| Average total loans | $360,834,670 | 1,222 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 1,395 |
| Cost of funding earning assets | 0.5209% | 2,705 |
| Net interest margin | 4.1215% | 1,412 |
| Noninterest income to average assets | 1.1909% | 782 |
| Noninterest expense to average assets | 3.6845% | 1,156 |
| Loan and lease loss provision to assets | 0.0243% | 3,517 |
| Net operating income to assets | 1.1270% | 1,714 |
| Return on assets (ROA) | 1.1270% | 1,778 |
| Pretax return on assets | 1.1270% | 2,782 |
| Return on Equity (ROE) | 10.4820% | 1,875 |
| Retained earnings to average equity (ytd only) | 10.4820% | 845 |
| Net charge-offs to loans | 0.0542% | 2,623 |
| Credit loss provision to net charge-offs | 61.2245% | 2,089 |
| Earnings coverage of net charge-offs (x) | 29.0204% | 1,069 |
| Efficiency ratio | 75.3055% | 2,903 |
| Assets per employee ($millions) | 3.1543% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,070 |
| Loan loss allowance to noncurrent loans | 523.3809% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 5,248 |
| Noncurrent loans to loans | 0.2504% | 5,354 |
| Net loans and leases to total assets | 72.0389% | 1,572 |
| Net loans and leases to deposits | 83.5897% | 1,863 |
| Net loans and leases to core deposits | 93.6254% | 1,580 |
| Total domestic deposits to total assets | 86.1816% | 3,264 |
| Equity capital to assets | 10.8123% | 2,922 |
| Core capital (leverage) ratio | 8.0999% | 6,038 |
| Tier 1 risk-based capital ratio | 11.1419% | 6,101 |
| Total risk-based capital ratio | 12.3937% | 6,051 |
| Memoranda: | ||
| Average total assets | $494,067,500 | 1,372 |
| Average earning assets | $436,927,500 | 1,413 |
| Average equity | $53,119,500 | 1,371 |
| Average total loans | $361,868,000 | 1,225 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1533% | 704 |
| Cost of funding earning assets | 0.5157% | 3,446 |
| Net interest margin | 4.6377% | 561 |
| Noninterest income to average assets | 2.1160% | 364 |
| Noninterest expense to average assets | 4.2731% | 645 |
| Loan and lease loss provision to assets | 0.0981% | 3,160 |
| Net operating income to assets | 1.8215% | 464 |
| Return on assets (ROA) | 1.8224% | 470 |
| Pretax return on assets | 1.8224% | 715 |
| Return on Equity (ROE) | 16.0347% | 618 |
| Retained earnings to average equity (ytd only) | 7.9194% | 1,081 |
| Net charge-offs to loans | 0.0683% | 4,256 |
| Credit loss provision to net charge-offs | 186.3248% | 1,224 |
| Earnings coverage of net charge-offs (x) | 36.4658% | 1,023 |
| Efficiency ratio | 68.2360% | 4,157 |
| Assets per employee ($millions) | 3.0997% | 5,672 |
| Cash dividends to net income (ytd only)* | 50.6110% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 3,978 |
| Loan loss allowance to noncurrent loans | 821.0978% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 5,621 |
| Noncurrent loans to loans | 0.1620% | 5,709 |
| Net loans and leases to total assets | 72.5165% | 1,595 |
| Net loans and leases to deposits | 84.5211% | 1,863 |
| Net loans and leases to core deposits | 94.8268% | 1,537 |
| Total domestic deposits to total assets | 85.7970% | 3,362 |
| Equity capital to assets | 10.6896% | 2,947 |
| Core capital (leverage) ratio | 8.1414% | 6,021 |
| Tier 1 risk-based capital ratio | 10.7624% | 6,278 |
| Total risk-based capital ratio | 12.0144% | 6,226 |
| Memoranda: | ||
| Average total assets | $444,520,600 | 1,491 |
| Average earning assets | $390,756,800 | 1,548 |
| Average equity | $50,521,600 | 1,404 |
| Average total loans | $342,670,800 | 1,252 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2506% | 585 |
| Cost of funding earning assets | 0.5139% | 3,631 |
| Net interest margin | 4.7367% | 490 |
| Noninterest income to average assets | 2.2221% | 356 |
| Noninterest expense to average assets | 4.3953% | 583 |
| Loan and lease loss provision to assets | 0.1203% | 2,788 |
| Net operating income to assets | 1.8568% | 467 |
| Return on assets (ROA) | 1.8580% | 478 |
| Pretax return on assets | 1.8580% | 783 |
| Return on Equity (ROE) | 16.0777% | 641 |
| Retained earnings to average equity (ytd only) | 6.2239% | 2,274 |
| Net charge-offs to loans | 0.0757% | 3,862 |
| Credit loss provision to net charge-offs | 203.6458% | 1,188 |
| Earnings coverage of net charge-offs (x) | 33.4588% | 1,145 |
| Efficiency ratio | 68.2106% | 4,058 |
| Assets per employee ($millions) | 2.9082% | 5,997 |
| Cash dividends to net income (ytd only)* | 61.2887% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,153 |
| Loan loss allowance to noncurrent loans | 631.9683% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 5,575 |
| Noncurrent loans to loans | 0.2131% | 5,706 |
| Net loans and leases to total assets | 78.2537% | 720 |
| Net loans and leases to deposits | 92.3798% | 956 |
| Net loans and leases to core deposits | 102.6341% | 949 |
| Total domestic deposits to total assets | 84.7087% | 3,880 |
| Equity capital to assets | 11.3200% | 2,454 |
| Core capital (leverage) ratio | 8.2739% | 5,997 |
| Tier 1 risk-based capital ratio | 10.2910% | 6,512 |
| Total risk-based capital ratio | 11.5431% | 6,478 |
| Memoranda: | ||
| Average total assets | $433,213,500 | 1,539 |
| Average earning assets | $379,582,000 | 1,598 |
| Average equity | $50,064,000 | 1,426 |
| Average total loans | $338,354,500 | 1,263 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 622 |
| Cost of funding earning assets | 0.5082% | 3,822 |
| Net interest margin | 4.7058% | 502 |
| Noninterest income to average assets | 2.2884% | 366 |
| Noninterest expense to average assets | 4.5278% | 509 |
| Loan and lease loss provision to assets | 0.1144% | 2,901 |
| Net operating income to assets | 1.7664% | 549 |
| Return on assets (ROA) | 1.7683% | 589 |
| Pretax return on assets | 1.7683% | 983 |
| Return on Equity (ROE) | 15.1929% | 776 |
| Retained earnings to average equity (ytd only) | 5.1632% | 2,953 |
| Net charge-offs to loans | 0.0469% | 4,021 |
| Credit loss provision to net charge-offs | 314.1026% | 820 |
| Earnings coverage of net charge-offs (x) | 51.6410% | 786 |
| Efficiency ratio | 69.8798% | 3,852 |
| Assets per employee ($millions) | 2.6311% | 6,373 |
| Cash dividends to net income (ytd only)* | 66.0153% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 4,151 |
| Loan loss allowance to noncurrent loans | 675.9602% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 5,651 |
| Noncurrent loans to loans | 0.2033% | 5,800 |
| Net loans and leases to total assets | 79.0517% | 631 |
| Net loans and leases to deposits | 93.7393% | 825 |
| Net loans and leases to core deposits | 103.2144% | 877 |
| Total domestic deposits to total assets | 84.3314% | 4,184 |
| Equity capital to assets | 11.5807% | 2,236 |
| Core capital (leverage) ratio | 8.1956% | 6,011 |
| Tier 1 risk-based capital ratio | 10.2058% | 6,589 |
| Total risk-based capital ratio | 11.4580% | 6,561 |
| Memoranda: | ||
| Average total assets | $428,328,000 | 1,556 |
| Average earning assets | $375,024,330 | 1,619 |
| Average equity | $49,852,330 | 1,438 |
| Average total loans | $332,719,670 | 1,279 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 644 |
| Cost of funding earning assets | 0.5107% | 3,963 |
| Net interest margin | 4.6593% | 513 |
| Noninterest income to average assets | 2.2337% | 371 |
| Noninterest expense to average assets | 4.5039% | 533 |
| Loan and lease loss provision to assets | 0.2203% | 1,679 |
| Net operating income to assets | 1.5803% | 733 |
| Return on assets (ROA) | 1.5803% | 792 |
| Pretax return on assets | 1.5803% | 1,348 |
| Return on Equity (ROE) | 13.5441% | 1,044 |
| Retained earnings to average equity (ytd only) | 6.3141% | 2,498 |
| Net charge-offs to loans | 0.0650% | 3,174 |
| Credit loss provision to net charge-offs | 443.3962% | 598 |
| Earnings coverage of net charge-offs (x) | 36.2453% | 853 |
| Efficiency ratio | 70.6512% | 3,860 |
| Assets per employee ($millions) | 2.7325% | 6,366 |
| Cash dividends to net income (ytd only)* | 53.3808% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 4,017 |
| Loan loss allowance to noncurrent loans | 655.7084% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 5,319 |
| Noncurrent loans to loans | 0.2211% | 5,858 |
| Net loans and leases to total assets | 75.0705% | 954 |
| Net loans and leases to deposits | 89.0808% | 1,043 |
| Net loans and leases to core deposits | 97.9101% | 1,084 |
| Total domestic deposits to total assets | 84.2723% | 4,365 |
| Equity capital to assets | 11.6108% | 2,320 |
| Core capital (leverage) ratio | 8.2534% | 5,875 |
| Tier 1 risk-based capital ratio | 10.1980% | 6,658 |
| Total risk-based capital ratio | 11.4507% | 6,643 |
| Memoranda: | ||
| Average total assets | $426,741,500 | 1,577 |
| Average earning assets | $372,849,500 | 1,645 |
| Average equity | $49,793,000 | 1,460 |
| Average total loans | $326,149,000 | 1,303 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 1,009 |
| Cost of funding earning assets | 0.5910% | 4,431 |
| Net interest margin | 4.6627% | 701 |
| Noninterest income to average assets | 1.8720% | 480 |
| Noninterest expense to average assets | 3.9879% | 990 |
| Loan and lease loss provision to assets | 0.2593% | 2,575 |
| Net operating income to assets | 1.6949% | 623 |
| Return on assets (ROA) | 1.6949% | 702 |
| Pretax return on assets | 1.6949% | 1,146 |
| Return on Equity (ROE) | 14.4081% | 917 |
| Retained earnings to average equity (ytd only) | 5.6747% | 2,267 |
| Net charge-offs to loans | 0.1446% | 4,247 |
| Credit loss provision to net charge-offs | 243.6782% | 1,013 |
| Earnings coverage of net charge-offs (x) | 18.3655% | 1,442 |
| Efficiency ratio | 66.2440% | 4,453 |
| Assets per employee ($millions) | 2.8497% | 6,248 |
| Cash dividends to net income (ytd only)* | 60.6148% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 4,083 |
| Loan loss allowance to noncurrent loans | 619.5946% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 5,378 |
| Noncurrent loans to loans | 0.2288% | 5,908 |
| Net loans and leases to total assets | 75.5998% | 978 |
| Net loans and leases to deposits | 89.9528% | 1,078 |
| Net loans and leases to core deposits | 99.0774% | 1,078 |
| Total domestic deposits to total assets | 84.0438% | 4,296 |
| Equity capital to assets | 11.7270% | 2,245 |
| Core capital (leverage) ratio | 8.2257% | 5,968 |
| Tier 1 risk-based capital ratio | 10.0920% | 6,677 |
| Total risk-based capital ratio | 11.3440% | 6,647 |
| Memoranda: | ||
| Average total assets | $408,815,400 | 1,600 |
| Average earning assets | $356,854,800 | 1,670 |
| Average equity | $48,091,000 | 1,453 |
| Average total loans | $300,760,400 | 1,395 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2004% | 1,192 |
| Cost of funding earning assets | 0.6048% | 4,595 |
| Net interest margin | 4.5956% | 828 |
| Noninterest income to average assets | 1.6233% | 566 |
| Noninterest expense to average assets | 3.6230% | 1,518 |
| Loan and lease loss provision to assets | 0.2469% | 2,587 |
| Net operating income to assets | 1.7778% | 600 |
| Return on assets (ROA) | 1.7778% | 665 |
| Pretax return on assets | 1.7778% | 1,100 |
| Return on Equity (ROE) | 15.1008% | 882 |
| Retained earnings to average equity (ytd only) | 6.1654% | 2,591 |
| Net charge-offs to loans | 0.1157% | 4,224 |
| Credit loss provision to net charge-offs | 293.3594% | 924 |
| Earnings coverage of net charge-offs (x) | 24.0589% | 1,290 |
| Efficiency ratio | 63.2305% | 4,939 |
| Assets per employee ($millions) | 2.7896% | 6,367 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 4,188 |
| Loan loss allowance to noncurrent loans | 325.1825% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 4,916 |
| Noncurrent loans to loans | 0.4434% | 5,560 |
| Net loans and leases to total assets | 75.2917% | 1,078 |
| Net loans and leases to deposits | 90.6021% | 1,081 |
| Net loans and leases to core deposits | 100.1032% | 1,111 |
| Total domestic deposits to total assets | 83.1015% | 4,606 |
| Equity capital to assets | 12.1380% | 2,158 |
| Core capital (leverage) ratio | 8.1924% | 6,153 |
| Tier 1 risk-based capital ratio | 10.3556% | 6,711 |
| Total risk-based capital ratio | 11.5918% | 6,689 |
| Memoranda: | ||
| Average total assets | $405,580,750 | 1,625 |
| Average earning assets | $355,170,250 | 1,699 |
| Average equity | $47,749,000 | 1,479 |
| Average total loans | $295,093,000 | 1,437 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1640% | 1,345 |
| Cost of funding earning assets | 0.7125% | 3,918 |
| Net interest margin | 4.4515% | 1,080 |
| Noninterest income to average assets | 1.1554% | 1,065 |
| Noninterest expense to average assets | 2.7272% | 4,299 |
| Loan and lease loss provision to assets | 0.1994% | 3,089 |
| Net operating income to assets | 1.9672% | 416 |
| Return on assets (ROA) | 1.9672% | 479 |
| Pretax return on assets | 1.9672% | 731 |
| Return on Equity (ROE) | 13.5508% | 1,219 |
| Retained earnings to average equity (ytd only) | 2.0517% | 5,175 |
| Net charge-offs to loans | 0.2624% | 3,009 |
| Credit loss provision to net charge-offs | 112.3762% | 2,426 |
| Earnings coverage of net charge-offs (x) | 12.2079% | 1,899 |
| Efficiency ratio | 53.8241% | 6,331 |
| Assets per employee ($millions) | 5.0387% | 2,127 |
| Cash dividends to net income (ytd only)* | 84.8593% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,930 |
| Loan loss allowance to noncurrent loans | 1,190.4762% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 5,701 |
| Noncurrent loans to loans | 0.1084% | 6,396 |
| Net loans and leases to total assets | 67.4876% | 2,375 |
| Net loans and leases to deposits | 86.7555% | 1,511 |
| Net loans and leases to core deposits | 99.1242% | 1,161 |
| Total domestic deposits to total assets | 77.7905% | 6,198 |
| Equity capital to assets | 14.6493% | 867 |
| Core capital (leverage) ratio | 8.0094% | 6,265 |
| Tier 1 risk-based capital ratio | 11.0004% | 6,497 |
| Total risk-based capital ratio | 12.2514% | 6,478 |
| Memoranda: | ||
| Average total assets | $227,635,000 | 2,781 |
| Average earning assets | $191,169,670 | 2,979 |
| Average equity | $33,046,000 | 2,082 |
| Average total loans | $153,970,670 | 2,549 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0588% | 1,694 |
| Cost of funding earning assets | 0.7212% | 4,097 |
| Net interest margin | 4.3376% | 1,360 |
| Noninterest income to average assets | 1.0891% | 1,213 |
| Noninterest expense to average assets | 2.5991% | 4,816 |
| Loan and lease loss provision to assets | 0.1631% | 3,352 |
| Net operating income to assets | 1.9660% | 449 |
| Return on assets (ROA) | 1.9660% | 515 |
| Pretax return on assets | 1.9660% | 785 |
| Return on Equity (ROE) | 13.6040% | 1,278 |
| Retained earnings to average equity (ytd only) | 3.8955% | 4,253 |
| Net charge-offs to loans | 0.1303% | 3,325 |
| Credit loss provision to net charge-offs | 186.0000% | 1,411 |
| Earnings coverage of net charge-offs (x) | 24.2800% | 1,063 |
| Efficiency ratio | 53.0045% | 6,435 |
| Assets per employee ($millions) | 4.5610% | 2,880 |
| Cash dividends to net income (ytd only)* | 71.3649% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 5,123 |
| Loan loss allowance to noncurrent loans | 189.0347% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 5,394 |
| Noncurrent loans to loans | 0.6757% | 5,304 |
| Net loans and leases to total assets | 67.0170% | 2,285 |
| Net loans and leases to deposits | 85.3181% | 1,497 |
| Net loans and leases to core deposits | 98.2758% | 1,113 |
| Total domestic deposits to total assets | 78.5496% | 6,177 |
| Equity capital to assets | 14.2680% | 932 |
| Core capital (leverage) ratio | 7.9293% | 6,313 |
| Tier 1 risk-based capital ratio | 10.9473% | 6,562 |
| Total risk-based capital ratio | 12.1981% | 6,550 |
| Memoranda: | ||
| Average total assets | $228,082,000 | 2,791 |
| Average earning assets | $191,348,500 | 3,005 |
| Average equity | $32,961,000 | 2,093 |
| Average total loans | $153,445,000 | 2,580 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4233% | 1,356 |
| Cost of funding earning assets | 0.8468% | 4,489 |
| Net interest margin | 4.5765% | 966 |
| Noninterest income to average assets | 1.2002% | 920 |
| Noninterest expense to average assets | 2.7656% | 4,491 |
| Loan and lease loss provision to assets | 0.2244% | 3,958 |
| Net operating income to assets | 2.0275% | 295 |
| Return on assets (ROA) | 2.1260% | 272 |
| Pretax return on assets | 2.1260% | 425 |
| Return on Equity (ROE) | 14.1698% | 892 |
| Retained earnings to average equity (ytd only) | 2.6758% | 4,328 |
| Net charge-offs to loans | 0.1911% | 4,614 |
| Credit loss provision to net charge-offs | 175.5396% | 1,497 |
| Earnings coverage of net charge-offs (x) | 17.6151% | 1,261 |
| Efficiency ratio | 53.1849% | 6,589 |
| Assets per employee ($millions) | 4.4711% | 2,965 |
| Cash dividends to net income (ytd only)* | 81.1162% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 4,785 |
| Loan loss allowance to noncurrent loans | 177.9982% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 5,576 |
| Noncurrent loans to loans | 0.7444% | 5,212 |
| Net loans and leases to total assets | 65.7607% | 2,827 |
| Net loans and leases to deposits | 84.5201% | 1,857 |
| Net loans and leases to core deposits | 95.6959% | 1,527 |
| Total domestic deposits to total assets | 77.8048% | 6,232 |
| Equity capital to assets | 14.6422% | 860 |
| Core capital (leverage) ratio | 8.0484% | 6,207 |
| Tier 1 risk-based capital ratio | 11.0364% | 6,434 |
| Total risk-based capital ratio | 12.2872% | 6,419 |
| Memoranda: | ||
| Average total assets | $217,454,800 | 2,867 |
| Average earning assets | $181,383,400 | 3,071 |
| Average equity | $32,625,800 | 2,040 |
| Average total loans | $145,482,800 | 2,705 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4661% | 1,349 |
| Cost of funding earning assets | 0.8759% | 4,584 |
| Net interest margin | 4.5902% | 968 |
| Noninterest income to average assets | 1.1948% | 924 |
| Noninterest expense to average assets | 2.7910% | 4,377 |
| Loan and lease loss provision to assets | 0.2229% | 3,784 |
| Net operating income to assets | 2.0055% | 336 |
| Return on assets (ROA) | 2.1377% | 295 |
| Pretax return on assets | 2.1377% | 481 |
| Return on Equity (ROE) | 14.1596% | 1,007 |
| Retained earnings to average equity (ytd only) | 3.3211% | 4,361 |
| Net charge-offs to loans | 0.2397% | 3,922 |
| Credit loss provision to net charge-offs | 138.8462% | 2,297 |
| Earnings coverage of net charge-offs (x) | 13.8807% | 1,578 |
| Efficiency ratio | 53.6597% | 6,528 |
| Assets per employee ($millions) | 4.0805% | 3,676 |
| Cash dividends to net income (ytd only)* | 76.5455% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 5,156 |
| Loan loss allowance to noncurrent loans | 150.2820% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 5,615 |
| Noncurrent loans to loans | 0.8441% | 5,184 |
| Net loans and leases to total assets | 67.1178% | 2,647 |
| Net loans and leases to deposits | 86.9358% | 1,565 |
| Net loans and leases to core deposits | 99.5269% | 1,294 |
| Total domestic deposits to total assets | 77.2039% | 6,344 |
| Equity capital to assets | 15.1339% | 821 |
| Core capital (leverage) ratio | 8.0366% | 6,363 |
| Tier 1 risk-based capital ratio | 10.7276% | 6,699 |
| Total risk-based capital ratio | 11.9374% | 6,691 |
| Memoranda: | ||
| Average total assets | $215,930,250 | 2,891 |
| Average earning assets | $179,915,000 | 3,110 |
| Average equity | $32,599,000 | 2,039 |
| Average total loans | $144,607,500 | 2,739 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4551% | 1,398 |
| Cost of funding earning assets | 0.8936% | 4,725 |
| Net interest margin | 4.5615% | 991 |
| Noninterest income to average assets | 1.2038% | 883 |
| Noninterest expense to average assets | 2.7597% | 4,594 |
| Loan and lease loss provision to assets | 0.2224% | 3,694 |
| Net operating income to assets | 2.0202% | 333 |
| Return on assets (ROA) | 2.0202% | 346 |
| Pretax return on assets | 2.0202% | 569 |
| Return on Equity (ROE) | 13.3926% | 1,115 |
| Retained earnings to average equity (ytd only) | 4.1775% | 3,536 |
| Net charge-offs to loans | 0.2114% | 3,878 |
| Credit loss provision to net charge-offs | 157.8947% | 1,929 |
| Earnings coverage of net charge-offs (x) | 15.9211% | 1,375 |
| Efficiency ratio | 53.2049% | 6,697 |
| Assets per employee ($millions) | 4.2818% | 3,194 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 5,124 |
| Loan loss allowance to noncurrent loans | 420.9091% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 6,183 |
| Noncurrent loans to loans | 0.3055% | 6,313 |
| Net loans and leases to total assets | 63.8528% | 3,500 |
| Net loans and leases to deposits | 82.1454% | 2,429 |
| Net loans and leases to core deposits | 94.1192% | 1,881 |
| Total domestic deposits to total assets | 77.7315% | 6,341 |
| Equity capital to assets | 14.7518% | 879 |
| Core capital (leverage) ratio | 8.0325% | 6,262 |
| Tier 1 risk-based capital ratio | 10.7992% | 6,662 |
| Total risk-based capital ratio | 12.0223% | 6,657 |
| Memoranda: | ||
| Average total assets | $215,817,330 | 2,902 |
| Average earning assets | $179,720,330 | 3,140 |
| Average equity | $32,555,330 | 2,027 |
| Average total loans | $143,803,330 | 2,776 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5206% | 1,242 |
| Cost of funding earning assets | 0.9231% | 4,758 |
| Net interest margin | 4.5974% | 866 |
| Noninterest income to average assets | 1.2203% | 856 |
| Noninterest expense to average assets | 2.7759% | 4,542 |
| Loan and lease loss provision to assets | 0.2260% | 3,398 |
| Net operating income to assets | 2.0264% | 336 |
| Return on assets (ROA) | 2.0264% | 355 |
| Pretax return on assets | 2.0264% | 534 |
| Return on Equity (ROE) | 13.2796% | 1,129 |
| Retained earnings to average equity (ytd only) | 13.2796% | 546 |
| Net charge-offs to loans | 0.1197% | 3,816 |
| Credit loss provision to net charge-offs | 279.0698% | 1,140 |
| Earnings coverage of net charge-offs (x) | 27.8140% | 880 |
| Efficiency ratio | 53.2210% | 6,767 |
| Assets per employee ($millions) | 4.1162% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 5,190 |
| Loan loss allowance to noncurrent loans | 420.0913% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 5,738 |
| Noncurrent loans to loans | 0.3066% | 6,374 |
| Net loans and leases to total assets | 64.6381% | 3,324 |
| Net loans and leases to deposits | 83.8210% | 2,058 |
| Net loans and leases to core deposits | 95.9213% | 1,679 |
| Total domestic deposits to total assets | 77.1145% | 6,515 |
| Equity capital to assets | 15.1515% | 734 |
| Core capital (leverage) ratio | 8.5399% | 5,371 |
| Tier 1 risk-based capital ratio | 11.1279% | 6,414 |
| Total risk-based capital ratio | 12.3544% | 6,404 |
| Memoranda: | ||
| Average total assets | $212,400,500 | 2,962 |
| Average earning assets | $175,924,000 | 3,211 |
| Average equity | $32,410,500 | 2,017 |
| Average total loans | $143,694,500 | 2,810 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9029% | 1,038 |
| Cost of funding earning assets | 1.0632% | 5,348 |
| Net interest margin | 4.8397% | 621 |
| Noninterest income to average assets | 1.3273% | 834 |
| Noninterest expense to average assets | 2.8897% | 4,275 |
| Loan and lease loss provision to assets | 0.2954% | 4,436 |
| Net operating income to assets | 2.1373% | 218 |
| Return on assets (ROA) | 2.2698% | 167 |
| Pretax return on assets | 2.2698% | 267 |
| Return on Equity (ROE) | 14.6006% | 775 |
| Retained earnings to average equity (ytd only) | 1.6921% | 4,669 |
| Net charge-offs to loans | 0.1657% | 5,344 |
| Credit loss provision to net charge-offs | 261.1111% | 1,079 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 963 |
| Efficiency ratio | 52.3758% | 6,957 |
| Assets per employee ($millions) | 3.7572% | 4,351 |
| Cash dividends to net income (ytd only)* | 88.4107% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 5,415 |
| Loan loss allowance to noncurrent loans | 182.3164% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 5,881 |
| Noncurrent loans to loans | 0.6690% | 5,707 |
| Net loans and leases to total assets | 69.0914% | 2,741 |
| Net loans and leases to deposits | 90.5415% | 1,457 |
| Net loans and leases to core deposits | 107.2602% | 1,103 |
| Total domestic deposits to total assets | 76.3091% | 6,598 |
| Equity capital to assets | 15.3727% | 704 |
| Core capital (leverage) ratio | 8.1345% | 5,938 |
| Tier 1 risk-based capital ratio | 10.8297% | 6,464 |
| Total risk-based capital ratio | 12.0562% | 6,446 |
| Memoranda: | ||
| Average total assets | $206,805,800 | 3,018 |
| Average earning assets | $170,713,800 | 3,266 |
| Average equity | $32,149,400 | 2,044 |
| Average total loans | $141,225,800 | 2,926 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9151% | 1,102 |
| Cost of funding earning assets | 1.0883% | 5,494 |
| Net interest margin | 4.8268% | 638 |
| Noninterest income to average assets | 1.2447% | 884 |
| Noninterest expense to average assets | 2.8736% | 4,193 |
| Loan and lease loss provision to assets | 0.2823% | 4,322 |
| Net operating income to assets | 2.0711% | 302 |
| Return on assets (ROA) | 2.2470% | 232 |
| Pretax return on assets | 2.2470% | 376 |
| Return on Equity (ROE) | 14.4143% | 951 |
| Retained earnings to average equity (ytd only) | 3.4568% | 4,016 |
| Net charge-offs to loans | 0.1690% | 4,952 |
| Credit loss provision to net charge-offs | 246.0674% | 1,360 |
| Earnings coverage of net charge-offs (x) | 20.5110% | 1,161 |
| Efficiency ratio | 53.0275% | 6,884 |
| Assets per employee ($millions) | 3.5037% | 4,971 |
| Cash dividends to net income (ytd only)* | 76.0185% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 5,705 |
| Loan loss allowance to noncurrent loans | 231.6456% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 6,299 |
| Noncurrent loans to loans | 0.4970% | 6,209 |
| Net loans and leases to total assets | 68.4132% | 3,121 |
| Net loans and leases to deposits | 91.5063% | 1,511 |
| Net loans and leases to core deposits | 107.7780% | 1,180 |
| Total domestic deposits to total assets | 74.7633% | 6,820 |
| Equity capital to assets | 15.7658% | 718 |
| Core capital (leverage) ratio | 8.2935% | 5,881 |
| Tier 1 risk-based capital ratio | 11.0346% | 6,341 |
| Total risk-based capital ratio | 12.1844% | 6,418 |
| Memoranda: | ||
| Average total assets | $206,846,000 | 3,053 |
| Average earning assets | $170,655,750 | 3,314 |
| Average equity | $32,245,000 | 2,055 |
| Average total loans | $140,398,000 | 2,973 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8683% | 1,258 |
| Cost of funding earning assets | 1.1103% | 5,618 |
| Net interest margin | 4.7580% | 711 |
| Noninterest income to average assets | 1.2528% | 826 |
| Noninterest expense to average assets | 2.8344% | 4,338 |
| Loan and lease loss provision to assets | 0.2948% | 4,030 |
| Net operating income to assets | 2.0426% | 313 |
| Return on assets (ROA) | 2.3066% | 208 |
| Pretax return on assets | 2.3066% | 336 |
| Return on Equity (ROE) | 14.8523% | 883 |
| Retained earnings to average equity (ytd only) | 2.7140% | 4,408 |
| Net charge-offs to loans | 0.1477% | 4,754 |
| Credit loss provision to net charge-offs | 296.1165% | 1,256 |
| Earnings coverage of net charge-offs (x) | 23.4757% | 1,102 |
| Efficiency ratio | 52.8224% | 7,000 |
| Assets per employee ($millions) | 2.9185% | 6,317 |
| Cash dividends to net income (ytd only)* | 81.7267% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 5,774 |
| Loan loss allowance to noncurrent loans | 606.4885% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 6,811 |
| Noncurrent loans to loans | 0.1869% | 6,879 |
| Net loans and leases to total assets | 67.8222% | 3,411 |
| Net loans and leases to deposits | 90.4850% | 1,775 |
| Net loans and leases to core deposits | 107.0261% | 1,369 |
| Total domestic deposits to total assets | 74.9541% | 6,861 |
| Equity capital to assets | 15.7093% | 723 |
| Core capital (leverage) ratio | 8.0570% | 6,185 |
| Tier 1 risk-based capital ratio | 10.8982% | 6,349 |
| Total risk-based capital ratio | 12.0261% | 6,453 |
| Memoranda: | ||
| Average total assets | $206,888,330 | 3,081 |
| Average earning assets | $170,407,330 | 3,335 |
| Average equity | $32,129,670 | 2,054 |
| Average total loans | $139,507,330 | 3,024 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9718% | 1,030 |
| Cost of funding earning assets | 1.1388% | 5,713 |
| Net interest margin | 4.8329% | 597 |
| Noninterest income to average assets | 1.1989% | 849 |
| Noninterest expense to average assets | 2.6822% | 4,988 |
| Loan and lease loss provision to assets | 0.1729% | 4,790 |
| Net operating income to assets | 2.3229% | 201 |
| Return on assets (ROA) | 2.3229% | 225 |
| Pretax return on assets | 2.3229% | 335 |
| Return on Equity (ROE) | 15.0429% | 868 |
| Retained earnings to average equity (ytd only) | 5.7111% | 2,758 |
| Net charge-offs to loans | -0.0661% | 7,428 |
| Credit loss provision to net charge-offs | -391.3043% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8330% | 7,329 |
| Assets per employee ($millions) | 2.8384% | 6,551 |
| Cash dividends to net income (ytd only)* | 62.0347% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 6,119 |
| Loan loss allowance to noncurrent loans | 574.7126% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 6,868 |
| Noncurrent loans to loans | 0.1872% | 6,967 |
| Net loans and leases to total assets | 66.5570% | 3,734 |
| Net loans and leases to deposits | 88.2962% | 2,176 |
| Net loans and leases to core deposits | 100.3595% | 2,092 |
| Total domestic deposits to total assets | 75.3792% | 6,851 |
| Equity capital to assets | 15.6441% | 730 |
| Core capital (leverage) ratio | 7.8964% | 6,388 |
| Tier 1 risk-based capital ratio | 10.9611% | 6,201 |
| Total risk-based capital ratio | 12.0340% | 6,342 |
| Memoranda: | ||
| Average total assets | $208,186,000 | 3,117 |
| Average earning assets | $171,407,000 | 3,382 |
| Average equity | $32,148,000 | 2,082 |
| Average total loans | $139,188,500 | 3,091 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9280% | 2,137 |
| Cost of funding earning assets | 1.4856% | 5,568 |
| Net interest margin | 4.4424% | 1,311 |
| Noninterest income to average assets | 1.1681% | 1,126 |
| Noninterest expense to average assets | 3.0901% | 3,789 |
| Loan and lease loss provision to assets | 0.1457% | 6,195 |
| Net operating income to assets | 1.5635% | 594 |
| Return on assets (ROA) | 1.5654% | 634 |
| Pretax return on assets | 1.5654% | 1,037 |
| Return on Equity (ROE) | 10.1896% | 1,639 |
| Retained earnings to average equity (ytd only) | 1.0212% | 4,321 |
| Net charge-offs to loans | 0.2081% | 5,328 |
| Credit loss provision to net charge-offs | 107.5269% | 5,156 |
| Earnings coverage of net charge-offs (x) | 12.6129% | 1,493 |
| Efficiency ratio | 62.2508% | 6,116 |
| Assets per employee ($millions) | 2.6817% | 6,890 |
| Cash dividends to net income (ytd only)* | 89.9783% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,400 |
| Loan loss allowance to noncurrent loans | 381.0440% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 6,620 |
| Noncurrent loans to loans | 0.2619% | 6,773 |
| Net loans and leases to total assets | 65.7755% | 4,212 |
| Net loans and leases to deposits | 89.6884% | 2,265 |
| Net loans and leases to core deposits | 118.3705% | 2,089 |
| Total domestic deposits to total assets | 73.3378% | 7,114 |
| Equity capital to assets | 15.2417% | 855 |
| Core capital (leverage) ratio | 7.6860% | 6,569 |
| Tier 1 risk-based capital ratio | 10.5241% | 6,373 |
| Total risk-based capital ratio | 11.5096% | 6,600 |
| Memoranda: | ||
| Average total assets | $205,885,600 | 3,108 |
| Average earning assets | $168,285,800 | 3,379 |
| Average equity | $31,630,400 | 2,116 |
| Average total loans | $134,045,600 | 3,191 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9009% | 2,444 |
| Cost of funding earning assets | 1.5578% | 5,595 |
| Net interest margin | 4.3431% | 1,608 |
| Noninterest income to average assets | 1.1365% | 1,217 |
| Noninterest expense to average assets | 3.0741% | 3,749 |
| Loan and lease loss provision to assets | 0.1463% | 5,897 |
| Net operating income to assets | 1.4636% | 894 |
| Return on assets (ROA) | 1.4662% | 943 |
| Pretax return on assets | 1.4662% | 1,501 |
| Return on Equity (ROE) | 9.5242% | 2,090 |
| Retained earnings to average equity (ytd only) | 0.2323% | 5,102 |
| Net charge-offs to loans | 0.0542% | 6,167 |
| Credit loss provision to net charge-offs | 416.6667% | 954 |
| Earnings coverage of net charge-offs (x) | 45.8507% | 683 |
| Efficiency ratio | 63.4370% | 5,851 |
| Assets per employee ($millions) | 2.7144% | 6,817 |
| Cash dividends to net income (ytd only)* | 97.5610% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 5,505 |
| Loan loss allowance to noncurrent loans | 423.4160% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 6,724 |
| Noncurrent loans to loans | 0.2683% | 6,838 |
| Net loans and leases to total assets | 64.8390% | 4,689 |
| Net loans and leases to deposits | 89.4657% | 2,683 |
| Net loans and leases to core deposits | 118.2083% | 2,396 |
| Total domestic deposits to total assets | 72.4737% | 7,152 |
| Equity capital to assets | 15.3507% | 916 |
| Core capital (leverage) ratio | 7.7546% | 6,662 |
| Tier 1 risk-based capital ratio | 10.5946% | 6,352 |
| Total risk-based capital ratio | 11.7183% | 6,457 |
| Memoranda: | ||
| Average total assets | $205,064,750 | 3,146 |
| Average earning assets | $167,494,500 | 3,413 |
| Average equity | $31,567,750 | 2,140 |
| Average total loans | $132,814,750 | 3,247 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9015% | 2,573 |
| Cost of funding earning assets | 1.6430% | 5,541 |
| Net interest margin | 4.2585% | 1,787 |
| Noninterest income to average assets | 1.1258% | 1,242 |
| Noninterest expense to average assets | 3.0363% | 3,939 |
| Loan and lease loss provision to assets | 0.1466% | 5,610 |
| Net operating income to assets | 1.4131% | 997 |
| Return on assets (ROA) | 1.4170% | 1,058 |
| Pretax return on assets | 1.4170% | 1,675 |
| Return on Equity (ROE) | 9.1963% | 2,287 |
| Retained earnings to average equity (ytd only) | 0.3171% | 5,092 |
| Net charge-offs to loans | 0.0212% | 6,208 |
| Credit loss provision to net charge-offs | 1,071.4286% | 458 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 337 |
| Efficiency ratio | 63.8103% | 5,951 |
| Assets per employee ($millions) | 2.5277% | 7,201 |
| Cash dividends to net income (ytd only)* | 96.5517% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,376 |
| Loan loss allowance to noncurrent loans | 443.0678% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 6,776 |
| Noncurrent loans to loans | 0.2556% | 6,878 |
| Net loans and leases to total assets | 64.8516% | 4,796 |
| Net loans and leases to deposits | 85.3610% | 3,672 |
| Net loans and leases to core deposits | 117.0056% | 2,628 |
| Total domestic deposits to total assets | 75.9733% | 6,554 |
| Equity capital to assets | 15.5140% | 928 |
| Core capital (leverage) ratio | 7.6357% | 6,849 |
| Tier 1 risk-based capital ratio | 10.6394% | 6,245 |
| Total risk-based capital ratio | 11.7466% | 6,329 |
| Memoranda: | ||
| Average total assets | $204,654,000 | 3,170 |
| Average earning assets | $166,770,670 | 3,447 |
| Average equity | $31,534,330 | 2,142 |
| Average total loans | $131,987,000 | 3,303 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8857% | 2,867 |
| Cost of funding earning assets | 1.7134% | 5,546 |
| Net interest margin | 4.1723% | 2,003 |
| Noninterest income to average assets | 1.0375% | 1,381 |
| Noninterest expense to average assets | 2.9513% | 3,966 |
| Loan and lease loss provision to assets | 0.1457% | 5,080 |
| Net operating income to assets | 1.3659% | 1,219 |
| Return on assets (ROA) | 1.3717% | 1,296 |
| Pretax return on assets | 1.3717% | 2,052 |
| Return on Equity (ROE) | 8.9323% | 2,750 |
| Retained earnings to average equity (ytd only) | 0.0759% | 5,626 |
| Net charge-offs to loans | 0.0699% | 4,499 |
| Credit loss provision to net charge-offs | 326.0870% | 1,519 |
| Earnings coverage of net charge-offs (x) | 33.8261% | 972 |
| Efficiency ratio | 63.8224% | 5,723 |
| Assets per employee ($millions) | 2.5822% | 7,126 |
| Cash dividends to net income (ytd only)* | 99.1501% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,494 |
| Loan loss allowance to noncurrent loans | 1,020.1439% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 6,999 |
| Noncurrent loans to loans | 0.1075% | 7,225 |
| Net loans and leases to total assets | 62.6707% | 5,213 |
| Net loans and leases to deposits | 81.8938% | 4,309 |
| Net loans and leases to core deposits | 112.6868% | 3,144 |
| Total domestic deposits to total assets | 76.5268% | 6,396 |
| Equity capital to assets | 15.5179% | 962 |
| Core capital (leverage) ratio | 7.6035% | 7,021 |
| Tier 1 risk-based capital ratio | 10.5678% | 6,324 |
| Total risk-based capital ratio | 11.6130% | 6,446 |
| Memoranda: | ||
| Average total assets | $205,872,500 | 3,168 |
| Average earning assets | $169,018,500 | 3,436 |
| Average equity | $31,615,500 | 2,140 |
| Average total loans | $131,659,000 | 3,332 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8314% | 1,580 |
| Cost of funding earning assets | 2.1888% | 5,646 |
| Net interest margin | 4.6426% | 1,066 |
| Noninterest income to average assets | 1.1729% | 1,121 |
| Noninterest expense to average assets | 2.9229% | 4,368 |
| Loan and lease loss provision to assets | 0.2738% | 4,207 |
| Net operating income to assets | 1.7798% | 576 |
| Return on assets (ROA) | 1.7968% | 535 |
| Pretax return on assets | 1.7968% | 952 |
| Return on Equity (ROE) | 11.6665% | 1,693 |
| Retained earnings to average equity (ytd only) | 1.1928% | 4,515 |
| Net charge-offs to loans | 0.3609% | 3,031 |
| Credit loss provision to net charge-offs | 122.4944% | 4,386 |
| Earnings coverage of net charge-offs (x) | 9.1871% | 2,738 |
| Efficiency ratio | 56.6226% | 6,923 |
| Assets per employee ($millions) | 2.6635% | 6,862 |
| Cash dividends to net income (ytd only)* | 89.7756% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 5,859 |
| Loan loss allowance to noncurrent loans | 2,969.5652% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 6,850 |
| Noncurrent loans to loans | 0.0343% | 7,368 |
| Net loans and leases to total assets | 63.8695% | 5,295 |
| Net loans and leases to deposits | 88.3788% | 3,746 |
| Net loans and leases to core deposits | 113.8245% | 3,360 |
| Total domestic deposits to total assets | 72.2678% | 6,952 |
| Equity capital to assets | 15.1987% | 1,113 |
| Core capital (leverage) ratio | 7.6266% | 7,039 |
| Tier 1 risk-based capital ratio | 10.2023% | 6,514 |
| Total risk-based capital ratio | 11.1784% | 6,701 |
| Memoranda: | ||
| Average total assets | $200,861,600 | 3,127 |
| Average earning assets | $164,562,800 | 3,409 |
| Average equity | $30,934,800 | 2,176 |
| Average total loans | $124,423,800 | 3,366 |