Home > Austin Bank, Texas > Performance and Condition Ratios
Austin Bank, Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 1,983 |
| Cost of funding earning assets | 0.9149% | 3,486 |
| Net interest margin | 4.1290% | 1,034 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 2.7810% | 1,551 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.5000% | 1,020 |
| Return on assets (ROA) | 1.5000% | 991 |
| Pretax return on assets | 1.8658% | 809 |
| Return on Equity (ROE) | 11.7100% | 2,036 |
| Retained earnings to average equity (ytd only) | 9.9954% | 1,015 |
| Net charge-offs to loans | 0.1456% | 704 |
| Credit loss provision to net charge-offs | 142.5107% | 1,513 |
| Earnings coverage of net charge-offs (x) | 18.3759% | 1,936 |
| Efficiency ratio | 57.7824% | 3,320 |
| Assets per employee ($millions) | 5.4302% | 3,306 |
| Cash dividends to net income (ytd only)* | 14.6581% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,576 |
| Loan loss allowance to noncurrent loans | 309.6434% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 1,452 |
| Noncurrent loans to loans | 0.4366% | 1,686 |
| Net loans and leases to total assets | 79.7700% | 666 |
| Net loans and leases to deposits | 95.7456% | 810 |
| Net loans and leases to core deposits | 102.9816% | 1,276 |
| Total domestic deposits to total assets | 83.3200% | 2,801 |
| Equity capital to assets | 13.5939% | 752 |
| Core capital (leverage) ratio | 13.8184% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,759,247,000 | 426 |
| Average earning assets | $2,587,563,000 | 412 |
| Average equity | $353,392,400 | 346 |
| Average total loans | $2,095,246,000 | 391 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 2,136 |
| Cost of funding earning assets | 0.8104% | 3,493 |
| Net interest margin | 4.0548% | 1,140 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 2.7688% | 1,500 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.4199% | 1,276 |
| Return on assets (ROA) | 1.4199% | 1,258 |
| Pretax return on assets | 1.8000% | 1,010 |
| Return on Equity (ROE) | 11.2600% | 2,307 |
| Retained earnings to average equity (ytd only) | 10.1195% | 1,370 |
| Net charge-offs to loans | 0.1765% | 490 |
| Credit loss provision to net charge-offs | 107.8079% | 1,566 |
| Earnings coverage of net charge-offs (x) | 14.7863% | 1,985 |
| Efficiency ratio | 58.6762% | 3,123 |
| Assets per employee ($millions) | 5.4572% | 3,218 |
| Cash dividends to net income (ytd only)* | 10.1253% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 1,700 |
| Loan loss allowance to noncurrent loans | 336.1916% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 1,688 |
| Noncurrent loans to loans | 0.3984% | 1,832 |
| Net loans and leases to total assets | 76.2000% | 1,098 |
| Net loans and leases to deposits | 93.1524% | 955 |
| Net loans and leases to core deposits | 99.6252% | 1,337 |
| Total domestic deposits to total assets | 81.8000% | 3,250 |
| Equity capital to assets | 12.8361% | 848 |
| Core capital (leverage) ratio | 13.4886% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,758,067,750 | 428 |
| Average earning assets | $2,585,360,500 | 412 |
| Average equity | $347,808,000 | 351 |
| Average total loans | $2,060,295,500 | 397 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 2,202 |
| Cost of funding earning assets | 0.6723% | 3,562 |
| Net interest margin | 4.0281% | 1,196 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.7621% | 1,494 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.4124% | 1,296 |
| Return on assets (ROA) | 1.4124% | 1,281 |
| Pretax return on assets | 1.7904% | 1,031 |
| Return on Equity (ROE) | 11.2700% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.5362% | 1,527 |
| Net charge-offs to loans | 0.2403% | 343 |
| Credit loss provision to net charge-offs | 59.1358% | 1,637 |
| Earnings coverage of net charge-offs (x) | 10.8469% | 1,984 |
| Efficiency ratio | 58.9324% | 3,080 |
| Assets per employee ($millions) | 5.3841% | 3,251 |
| Cash dividends to net income (ytd only)* | 15.3767% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 1,817 |
| Loan loss allowance to noncurrent loans | 324.7848% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 1,575 |
| Noncurrent loans to loans | 0.4082% | 1,706 |
| Net loans and leases to total assets | 75.9800% | 1,054 |
| Net loans and leases to deposits | 92.3589% | 1,002 |
| Net loans and leases to core deposits | 97.3887% | 1,390 |
| Total domestic deposits to total assets | 82.2700% | 3,174 |
| Equity capital to assets | 12.8105% | 860 |
| Core capital (leverage) ratio | 13.2306% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,738,778,667 | 417 |
| Average earning assets | $2,567,242,333 | 404 |
| Average equity | $343,258,667 | 346 |
| Average total loans | $2,022,128,000 | 387 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 2,337 |
| Cost of funding earning assets | 0.5326% | 3,587 |
| Net interest margin | 3.9586% | 1,350 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.7032% | 1,661 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.4041% | 1,396 |
| Return on assets (ROA) | 1.4041% | 1,371 |
| Pretax return on assets | 1.7798% | 1,107 |
| Return on Equity (ROE) | 11.3300% | 2,396 |
| Retained earnings to average equity (ytd only) | 11.3278% | 1,394 |
| Net charge-offs to loans | 0.0865% | 648 |
| Credit loss provision to net charge-offs | 132.7103% | 996 |
| Earnings coverage of net charge-offs (x) | 30.5654% | 1,298 |
| Efficiency ratio | 58.6052% | 3,118 |
| Assets per employee ($millions) | 5.4509% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,469 |
| Loan loss allowance to noncurrent loans | 263.6364% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 1,293 |
| Noncurrent loans to loans | 0.5453% | 1,356 |
| Net loans and leases to total assets | 72.3700% | 1,387 |
| Net loans and leases to deposits | 85.8053% | 1,369 |
| Net loans and leases to core deposits | 89.4493% | 1,651 |
| Total domestic deposits to total assets | 84.3500% | 3,013 |
| Equity capital to assets | 12.4628% | 884 |
| Core capital (leverage) ratio | 13.1153% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,740,599,000 | 429 |
| Average earning assets | $2,572,902,000 | 414 |
| Average equity | $339,695,000 | 360 |
| Average total loans | $1,980,087,500 | 403 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 2,124 |
| Cost of funding earning assets | 0.2166% | 3,621 |
| Net interest margin | 3.6357% | 1,539 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 2.6225% | 1,764 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3627% | 1,235 |
| Return on assets (ROA) | 1.3627% | 1,192 |
| Pretax return on assets | 1.7145% | 890 |
| Return on Equity (ROE) | 11.2700% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.5286% | 1,305 |
| Net charge-offs to loans | 0.0556% | 1,104 |
| Credit loss provision to net charge-offs | 161.3101% | 1,256 |
| Earnings coverage of net charge-offs (x) | 49.2723% | 1,376 |
| Efficiency ratio | 59.6694% | 3,101 |
| Assets per employee ($millions) | 5.5121% | 3,204 |
| Cash dividends to net income (ytd only)* | 15.4291% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,074 |
| Loan loss allowance to noncurrent loans | 214.0183% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 1,442 |
| Noncurrent loans to loans | 0.4960% | 1,461 |
| Net loans and leases to total assets | 70.3100% | 1,609 |
| Net loans and leases to deposits | 82.8245% | 1,554 |
| Net loans and leases to core deposits | 85.4113% | 1,790 |
| Total domestic deposits to total assets | 84.8900% | 3,023 |
| Equity capital to assets | 12.3264% | 843 |
| Core capital (leverage) ratio | 12.5887% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,715,798,000 | 423 |
| Average earning assets | $2,554,466,600 | 408 |
| Average equity | $328,464,600 | 364 |
| Average total loans | $1,758,740,600 | 416 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 2,134 |
| Cost of funding earning assets | 0.1661% | 3,669 |
| Net interest margin | 3.5032% | 1,655 |
| Noninterest income to average assets | 0.9400% | 760 |
| Noninterest expense to average assets | 2.5979% | 1,716 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2602% | 1,494 |
| Return on assets (ROA) | 1.2602% | 1,459 |
| Pretax return on assets | 1.5892% | 1,143 |
| Return on Equity (ROE) | 10.4700% | 2,584 |
| Retained earnings to average equity (ytd only) | 9.3678% | 1,530 |
| Net charge-offs to loans | 0.0489% | 994 |
| Credit loss provision to net charge-offs | 158.1876% | 1,103 |
| Earnings coverage of net charge-offs (x) | 52.9857% | 1,252 |
| Efficiency ratio | 61.3288% | 2,926 |
| Assets per employee ($millions) | 5.6538% | 3,075 |
| Cash dividends to net income (ytd only)* | 10.5269% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 2,994 |
| Loan loss allowance to noncurrent loans | 182.7794% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 1,345 |
| Noncurrent loans to loans | 0.6044% | 1,341 |
| Net loans and leases to total assets | 65.4800% | 1,938 |
| Net loans and leases to deposits | 76.5411% | 1,830 |
| Net loans and leases to core deposits | 78.9492% | 1,975 |
| Total domestic deposits to total assets | 85.5500% | 3,159 |
| Equity capital to assets | 11.7564% | 932 |
| Core capital (leverage) ratio | 12.5765% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,712,628,750 | 425 |
| Average earning assets | $2,551,372,500 | 407 |
| Average equity | $326,499,750 | 368 |
| Average total loans | $1,713,704,500 | 424 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 2,066 |
| Cost of funding earning assets | 0.1337% | 3,791 |
| Net interest margin | 3.3888% | 1,637 |
| Noninterest income to average assets | 0.9418% | 768 |
| Noninterest expense to average assets | 2.5606% | 1,753 |
| Loan and lease loss provision to assets | 0.0343% | 1,961 |
| Net operating income to assets | 1.2228% | 1,357 |
| Return on assets (ROA) | 1.2228% | 1,343 |
| Pretax return on assets | 1.5396% | 1,075 |
| Return on Equity (ROE) | 10.0783% | 2,305 |
| Retained earnings to average equity (ytd only) | 8.4241% | 1,463 |
| Net charge-offs to loans | 0.0287% | 1,153 |
| Credit loss provision to net charge-offs | 192.0833% | 990 |
| Earnings coverage of net charge-offs (x) | 88.1917% | 878 |
| Efficiency ratio | 61.9323% | 3,052 |
| Assets per employee ($millions) | 5.5442% | 3,179 |
| Cash dividends to net income (ytd only)* | 16.4133% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 2,808 |
| Loan loss allowance to noncurrent loans | 184.1736% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 1,390 |
| Noncurrent loans to loans | 0.6392% | 1,333 |
| Net loans and leases to total assets | 61.6661% | 2,158 |
| Net loans and leases to deposits | 71.9370% | 2,032 |
| Net loans and leases to core deposits | 74.1121% | 2,161 |
| Total domestic deposits to total assets | 85.7223% | 3,321 |
| Equity capital to assets | 11.7521% | 949 |
| Core capital (leverage) ratio | 12.1873% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,689,610,667 | 429 |
| Average earning assets | $2,533,926,667 | 411 |
| Average equity | $326,324,667 | 369 |
| Average total loans | $1,671,031,000 | 422 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4132% | 2,047 |
| Cost of funding earning assets | 0.1274% | 3,806 |
| Net interest margin | 3.2857% | 1,600 |
| Noninterest income to average assets | 0.9494% | 761 |
| Noninterest expense to average assets | 2.4838% | 1,920 |
| Loan and lease loss provision to assets | 0.0242% | 1,925 |
| Net operating income to assets | 1.2273% | 1,177 |
| Return on assets (ROA) | 1.2273% | 1,161 |
| Pretax return on assets | 1.5405% | 933 |
| Return on Equity (ROE) | 9.9543% | 1,981 |
| Retained earnings to average equity (ytd only) | 9.9543% | 1,034 |
| Net charge-offs to loans | 0.0274% | 1,046 |
| Credit loss provision to net charge-offs | 142.4779% | 878 |
| Earnings coverage of net charge-offs (x) | 92.0619% | 701 |
| Efficiency ratio | 61.3516% | 3,341 |
| Assets per employee ($millions) | 5.5534% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,798 |
| Loan loss allowance to noncurrent loans | 215.1343% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 1,714 |
| Noncurrent loans to loans | 0.5632% | 1,630 |
| Net loans and leases to total assets | 60.0111% | 2,065 |
| Net loans and leases to deposits | 70.3804% | 1,932 |
| Net loans and leases to core deposits | 72.6436% | 2,057 |
| Total domestic deposits to total assets | 85.2668% | 3,479 |
| Equity capital to assets | 12.1236% | 917 |
| Core capital (leverage) ratio | 12.4874% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,659,445,500 | 436 |
| Average earning assets | $2,508,412,500 | 422 |
| Average equity | $327,898,500 | 378 |
| Average total loans | $1,648,555,500 | 430 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 1,511 |
| Cost of funding earning assets | 0.1590% | 3,881 |
| Net interest margin | 3.7830% | 1,046 |
| Noninterest income to average assets | 1.0673% | 897 |
| Noninterest expense to average assets | 2.7123% | 1,604 |
| Loan and lease loss provision to assets | 0.0661% | 1,744 |
| Net operating income to assets | 1.4595% | 1,109 |
| Return on assets (ROA) | 1.4595% | 1,177 |
| Pretax return on assets | 1.8360% | 843 |
| Return on Equity (ROE) | 11.3344% | 2,046 |
| Retained earnings to average equity (ytd only) | 9.6616% | 1,002 |
| Net charge-offs to loans | 0.0467% | 1,356 |
| Credit loss provision to net charge-offs | 214.6277% | 1,269 |
| Earnings coverage of net charge-offs (x) | 61.7739% | 1,155 |
| Efficiency ratio | 58.7801% | 3,317 |
| Assets per employee ($millions) | 5.5626% | 3,202 |
| Cash dividends to net income (ytd only)* | 14.7590% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,806 |
| Loan loss allowance to noncurrent loans | 205.3757% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 1,672 |
| Noncurrent loans to loans | 0.5918% | 1,658 |
| Net loans and leases to total assets | 62.5201% | 1,882 |
| Net loans and leases to deposits | 73.6009% | 1,762 |
| Net loans and leases to core deposits | 76.2980% | 1,895 |
| Total domestic deposits to total assets | 84.9447% | 3,289 |
| Equity capital to assets | 12.5453% | 1,043 |
| Core capital (leverage) ratio | 12.3546% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,442,319,800 | 443 |
| Average earning assets | $2,290,045,400 | 438 |
| Average equity | $314,493,200 | 387 |
| Average total loans | $1,611,284,800 | 437 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0401% | 1,449 |
| Cost of funding earning assets | 0.1675% | 3,949 |
| Net interest margin | 3.8725% | 985 |
| Noninterest income to average assets | 1.0490% | 991 |
| Noninterest expense to average assets | 2.7192% | 1,533 |
| Loan and lease loss provision to assets | 0.0791% | 1,495 |
| Net operating income to assets | 1.4870% | 1,304 |
| Return on assets (ROA) | 1.4870% | 1,353 |
| Pretax return on assets | 1.8749% | 992 |
| Return on Equity (ROE) | 11.4684% | 2,223 |
| Retained earnings to average equity (ytd only) | 10.4100% | 1,193 |
| Net charge-offs to loans | 0.0456% | 1,210 |
| Credit loss provision to net charge-offs | 260.2190% | 1,074 |
| Earnings coverage of net charge-offs (x) | 64.2774% | 1,102 |
| Efficiency ratio | 58.1866% | 3,235 |
| Assets per employee ($millions) | 5.3038% | 3,402 |
| Cash dividends to net income (ytd only)* | 9.2293% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,830 |
| Loan loss allowance to noncurrent loans | 186.7482% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 1,776 |
| Noncurrent loans to loans | 0.6597% | 1,666 |
| Net loans and leases to total assets | 62.9756% | 1,892 |
| Net loans and leases to deposits | 74.3940% | 1,822 |
| Net loans and leases to core deposits | 77.2155% | 1,943 |
| Total domestic deposits to total assets | 84.6514% | 3,247 |
| Equity capital to assets | 12.7112% | 1,084 |
| Core capital (leverage) ratio | 12.5332% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,403,465,250 | 456 |
| Average earning assets | $2,249,315,250 | 448 |
| Average equity | $311,642,750 | 392 |
| Average total loans | $1,603,083,750 | 444 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 1,319 |
| Cost of funding earning assets | 0.1777% | 3,973 |
| Net interest margin | 3.9383% | 909 |
| Noninterest income to average assets | 1.0674% | 965 |
| Noninterest expense to average assets | 2.7169% | 1,544 |
| Loan and lease loss provision to assets | 0.1119% | 1,133 |
| Net operating income to assets | 1.5275% | 1,221 |
| Return on assets (ROA) | 1.5275% | 1,289 |
| Pretax return on assets | 1.9234% | 973 |
| Return on Equity (ROE) | 11.6975% | 2,162 |
| Retained earnings to average equity (ytd only) | 10.0892% | 1,368 |
| Net charge-offs to loans | 0.0604% | 1,011 |
| Credit loss provision to net charge-offs | 273.4440% | 931 |
| Earnings coverage of net charge-offs (x) | 49.7427% | 1,072 |
| Efficiency ratio | 57.1712% | 3,379 |
| Assets per employee ($millions) | 5.3088% | 3,340 |
| Cash dividends to net income (ytd only)* | 13.7490% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,741 |
| Loan loss allowance to noncurrent loans | 168.1271% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 1,741 |
| Noncurrent loans to loans | 0.7359% | 1,617 |
| Net loans and leases to total assets | 64.2548% | 1,919 |
| Net loans and leases to deposits | 75.8437% | 1,838 |
| Net loans and leases to core deposits | 78.8537% | 1,972 |
| Total domestic deposits to total assets | 84.7200% | 3,212 |
| Equity capital to assets | 12.6987% | 1,048 |
| Core capital (leverage) ratio | 12.4052% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,356,016,000 | 459 |
| Average earning assets | $2,204,330,333 | 453 |
| Average equity | $307,656,000 | 389 |
| Average total loans | $1,596,366,000 | 451 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 1,156 |
| Cost of funding earning assets | 0.1882% | 4,022 |
| Net interest margin | 4.0363% | 799 |
| Noninterest income to average assets | 1.0350% | 1,076 |
| Noninterest expense to average assets | 2.8286% | 1,311 |
| Loan and lease loss provision to assets | 0.1412% | 944 |
| Net operating income to assets | 1.4620% | 1,413 |
| Return on assets (ROA) | 1.4620% | 1,475 |
| Pretax return on assets | 1.8375% | 1,222 |
| Return on Equity (ROE) | 11.0317% | 2,359 |
| Retained earnings to average equity (ytd only) | 11.0317% | 1,394 |
| Net charge-offs to loans | 0.0615% | 914 |
| Credit loss provision to net charge-offs | 331.9672% | 723 |
| Earnings coverage of net charge-offs (x) | 46.5164% | 925 |
| Efficiency ratio | 58.8395% | 3,180 |
| Assets per employee ($millions) | 4.9999% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,739 |
| Loan loss allowance to noncurrent loans | 153.2980% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 1,649 |
| Noncurrent loans to loans | 0.8052% | 1,651 |
| Net loans and leases to total assets | 65.3538% | 1,890 |
| Net loans and leases to deposits | 77.2685% | 1,775 |
| Net loans and leases to core deposits | 80.2496% | 1,981 |
| Total domestic deposits to total assets | 84.5801% | 3,255 |
| Equity capital to assets | 12.7795% | 973 |
| Core capital (leverage) ratio | 13.1784% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,294,420,500 | 462 |
| Average earning assets | $2,144,316,000 | 456 |
| Average equity | $304,070,500 | 389 |
| Average total loans | $1,588,067,000 | 455 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 968 |
| Cost of funding earning assets | 0.3022% | 4,132 |
| Net interest margin | 4.3568% | 449 |
| Noninterest income to average assets | 1.1261% | 841 |
| Noninterest expense to average assets | 3.0237% | 1,387 |
| Loan and lease loss provision to assets | 0.3651% | 914 |
| Net operating income to assets | 1.4303% | 951 |
| Return on assets (ROA) | 1.4303% | 1,041 |
| Pretax return on assets | 1.7969% | 687 |
| Return on Equity (ROE) | 10.2346% | 1,916 |
| Retained earnings to average equity (ytd only) | 8.5632% | 889 |
| Net charge-offs to loans | 0.1500% | 1,082 |
| Credit loss provision to net charge-offs | 331.2802% | 1,634 |
| Earnings coverage of net charge-offs (x) | 19.6155% | 1,971 |
| Efficiency ratio | 58.3082% | 3,684 |
| Assets per employee ($millions) | 4.5871% | 3,825 |
| Cash dividends to net income (ytd only)* | 16.3310% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,893 |
| Loan loss allowance to noncurrent loans | 141.6327% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 1,600 |
| Noncurrent loans to loans | 0.8536% | 1,655 |
| Net loans and leases to total assets | 71.7033% | 1,330 |
| Net loans and leases to deposits | 85.6305% | 1,280 |
| Net loans and leases to core deposits | 89.1996% | 1,588 |
| Total domestic deposits to total assets | 83.7358% | 3,191 |
| Equity capital to assets | 13.7759% | 848 |
| Core capital (leverage) ratio | 13.2624% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,062,250,400 | 464 |
| Average earning assets | $1,921,528,600 | 458 |
| Average equity | $288,198,800 | 381 |
| Average total loans | $1,515,204,600 | 446 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,017 |
| Cost of funding earning assets | 0.3283% | 4,169 |
| Net interest margin | 4.3926% | 478 |
| Noninterest income to average assets | 1.0808% | 892 |
| Noninterest expense to average assets | 3.0563% | 1,324 |
| Loan and lease loss provision to assets | 0.3983% | 889 |
| Net operating income to assets | 1.3661% | 1,185 |
| Return on assets (ROA) | 1.3661% | 1,286 |
| Pretax return on assets | 1.7154% | 940 |
| Return on Equity (ROE) | 9.7381% | 2,119 |
| Retained earnings to average equity (ytd only) | 8.6606% | 1,088 |
| Net charge-offs to loans | 0.1488% | 986 |
| Credit loss provision to net charge-offs | 363.2177% | 1,564 |
| Earnings coverage of net charge-offs (x) | 19.2769% | 1,939 |
| Efficiency ratio | 59.1159% | 3,507 |
| Assets per employee ($millions) | 4.5776% | 3,747 |
| Cash dividends to net income (ytd only)* | 11.0652% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 2,999 |
| Loan loss allowance to noncurrent loans | 128.0625% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 1,712 |
| Noncurrent loans to loans | 0.8876% | 1,686 |
| Net loans and leases to total assets | 72.8958% | 1,519 |
| Net loans and leases to deposits | 87.2157% | 1,569 |
| Net loans and leases to core deposits | 90.7801% | 1,903 |
| Total domestic deposits to total assets | 83.5810% | 2,960 |
| Equity capital to assets | 13.5145% | 999 |
| Core capital (leverage) ratio | 13.1035% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,033,092,000 | 462 |
| Average earning assets | $1,892,666,000 | 456 |
| Average equity | $285,208,250 | 379 |
| Average total loans | $1,498,643,000 | 447 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 980 |
| Cost of funding earning assets | 0.3650% | 4,199 |
| Net interest margin | 4.5322% | 469 |
| Noninterest income to average assets | 1.0796% | 857 |
| Noninterest expense to average assets | 3.0825% | 1,394 |
| Loan and lease loss provision to assets | 0.4334% | 899 |
| Net operating income to assets | 1.4145% | 1,082 |
| Return on assets (ROA) | 1.4145% | 1,174 |
| Pretax return on assets | 1.7767% | 850 |
| Return on Equity (ROE) | 9.9497% | 1,999 |
| Retained earnings to average equity (ytd only) | 8.3156% | 1,218 |
| Net charge-offs to loans | 0.1566% | 942 |
| Credit loss provision to net charge-offs | 375.5459% | 1,456 |
| Earnings coverage of net charge-offs (x) | 19.1520% | 1,739 |
| Efficiency ratio | 58.2424% | 3,661 |
| Assets per employee ($millions) | 4.6603% | 3,583 |
| Cash dividends to net income (ytd only)* | 16.4232% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,177 |
| Loan loss allowance to noncurrent loans | 111.9098% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7135% | 1,725 |
| Noncurrent loans to loans | 0.9650% | 1,605 |
| Net loans and leases to total assets | 71.1633% | 1,847 |
| Net loans and leases to deposits | 87.3167% | 1,624 |
| Net loans and leases to core deposits | 90.9765% | 1,991 |
| Total domestic deposits to total assets | 81.5002% | 3,500 |
| Equity capital to assets | 13.1496% | 1,099 |
| Core capital (leverage) ratio | 13.0195% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,984,469,667 | 464 |
| Average earning assets | $1,844,731,333 | 461 |
| Average equity | $282,119,333 | 379 |
| Average total loans | $1,462,646,667 | 449 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9854% | 1,001 |
| Cost of funding earning assets | 0.4426% | 4,186 |
| Net interest margin | 4.5428% | 452 |
| Noninterest income to average assets | 1.2250% | 587 |
| Noninterest expense to average assets | 3.2756% | 1,271 |
| Loan and lease loss provision to assets | 0.4173% | 727 |
| Net operating income to assets | 1.3880% | 1,017 |
| Return on assets (ROA) | 1.3880% | 1,092 |
| Pretax return on assets | 1.7388% | 796 |
| Return on Equity (ROE) | 9.3549% | 1,977 |
| Retained earnings to average equity (ytd only) | 9.3549% | 884 |
| Net charge-offs to loans | 0.1966% | 697 |
| Credit loss provision to net charge-offs | 284.0810% | 1,215 |
| Earnings coverage of net charge-offs (x) | 14.6773% | 1,588 |
| Efficiency ratio | 60.3053% | 3,704 |
| Assets per employee ($millions) | 3.9647% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,371 |
| Loan loss allowance to noncurrent loans | 96.2355% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 1,609 |
| Noncurrent loans to loans | 1.1073% | 1,498 |
| Net loans and leases to total assets | 73.8310% | 1,636 |
| Net loans and leases to deposits | 89.9702% | 1,514 |
| Net loans and leases to core deposits | 94.4837% | 1,924 |
| Total domestic deposits to total assets | 82.0616% | 3,405 |
| Equity capital to assets | 14.9015% | 781 |
| Core capital (leverage) ratio | 14.4513% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,881,534,000 | 472 |
| Average earning assets | $1,742,362,500 | 468 |
| Average equity | $279,168,000 | 381 |
| Average total loans | $1,406,102,000 | 450 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 1,214 |
| Cost of funding earning assets | 0.4615% | 4,235 |
| Net interest margin | 4.6384% | 535 |
| Noninterest income to average assets | 1.3341% | 536 |
| Noninterest expense to average assets | 3.3479% | 1,211 |
| Loan and lease loss provision to assets | 0.1518% | 1,396 |
| Net operating income to assets | 1.6938% | 667 |
| Return on assets (ROA) | 1.6938% | 711 |
| Pretax return on assets | 2.1272% | 444 |
| Return on Equity (ROE) | 11.8698% | 1,566 |
| Retained earnings to average equity (ytd only) | 10.0519% | 475 |
| Net charge-offs to loans | 0.1737% | 1,160 |
| Credit loss provision to net charge-offs | 116.7157% | 2,162 |
| Earnings coverage of net charge-offs (x) | 17.5187% | 2,102 |
| Efficiency ratio | 59.4982% | 3,765 |
| Assets per employee ($millions) | 3.9076% | 4,020 |
| Cash dividends to net income (ytd only)* | 15.3151% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,548 |
| Loan loss allowance to noncurrent loans | 100.2024% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7495% | 1,730 |
| Noncurrent loans to loans | 0.9938% | 1,530 |
| Net loans and leases to total assets | 74.0943% | 1,731 |
| Net loans and leases to deposits | 90.1692% | 1,568 |
| Net loans and leases to core deposits | 94.6633% | 2,007 |
| Total domestic deposits to total assets | 82.1725% | 3,460 |
| Equity capital to assets | 14.7715% | 856 |
| Core capital (leverage) ratio | 14.2013% | 878 |
| Tier 1 risk-based capital ratio | 19.1901% | 1,481 |
| Total risk-based capital ratio | 20.2024% | 1,493 |
| Memoranda: | ||
| Average total assets | $1,830,287,200 | 462 |
| Average earning assets | $1,693,933,400 | 456 |
| Average equity | $261,184,600 | 382 |
| Average total loans | $1,370,480,800 | 437 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0866% | 1,316 |
| Cost of funding earning assets | 0.4595% | 4,303 |
| Net interest margin | 4.6271% | 580 |
| Noninterest income to average assets | 1.3064% | 544 |
| Noninterest expense to average assets | 3.3512% | 1,177 |
| Loan and lease loss provision to assets | 0.1368% | 1,410 |
| Net operating income to assets | 1.6670% | 795 |
| Return on assets (ROA) | 1.6670% | 840 |
| Pretax return on assets | 2.0974% | 554 |
| Return on Equity (ROE) | 11.7874% | 1,692 |
| Retained earnings to average equity (ytd only) | 10.5239% | 620 |
| Net charge-offs to loans | 0.1505% | 1,087 |
| Credit loss provision to net charge-offs | 121.3498% | 1,939 |
| Earnings coverage of net charge-offs (x) | 19.8215% | 1,986 |
| Efficiency ratio | 59.9997% | 3,651 |
| Assets per employee ($millions) | 3.8312% | 4,126 |
| Cash dividends to net income (ytd only)* | 10.7191% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,583 |
| Loan loss allowance to noncurrent loans | 100.2034% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 1,805 |
| Noncurrent loans to loans | 0.9964% | 1,604 |
| Net loans and leases to total assets | 74.2159% | 1,771 |
| Net loans and leases to deposits | 90.2081% | 1,675 |
| Net loans and leases to core deposits | 94.0709% | 2,171 |
| Total domestic deposits to total assets | 82.2719% | 3,394 |
| Equity capital to assets | 14.5976% | 955 |
| Core capital (leverage) ratio | 14.0850% | 964 |
| Tier 1 risk-based capital ratio | 18.8103% | 1,605 |
| Total risk-based capital ratio | 19.8246% | 1,638 |
| Memoranda: | ||
| Average total assets | $1,822,860,250 | 465 |
| Average earning assets | $1,685,725,000 | 462 |
| Average equity | $257,793,500 | 389 |
| Average total loans | $1,365,098,000 | 439 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0531% | 1,344 |
| Cost of funding earning assets | 0.4517% | 4,318 |
| Net interest margin | 4.6014% | 614 |
| Noninterest income to average assets | 1.2615% | 545 |
| Noninterest expense to average assets | 3.2963% | 1,289 |
| Loan and lease loss provision to assets | 0.1198% | 1,562 |
| Net operating income to assets | 1.6650% | 779 |
| Return on assets (ROA) | 1.6650% | 814 |
| Pretax return on assets | 2.0956% | 555 |
| Return on Equity (ROE) | 11.9028% | 1,613 |
| Retained earnings to average equity (ytd only) | 9.9796% | 762 |
| Net charge-offs to loans | 0.1342% | 1,124 |
| Credit loss provision to net charge-offs | 119.2982% | 1,745 |
| Earnings coverage of net charge-offs (x) | 22.0592% | 1,710 |
| Efficiency ratio | 59.8058% | 3,756 |
| Assets per employee ($millions) | 3.7684% | 4,161 |
| Cash dividends to net income (ytd only)* | 16.1574% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,644 |
| Loan loss allowance to noncurrent loans | 100.2499% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 1,819 |
| Noncurrent loans to loans | 0.9953% | 1,644 |
| Net loans and leases to total assets | 74.3546% | 1,830 |
| Net loans and leases to deposits | 90.0217% | 1,737 |
| Net loans and leases to core deposits | 93.4623% | 2,285 |
| Total domestic deposits to total assets | 82.5964% | 3,336 |
| Equity capital to assets | 14.3557% | 999 |
| Core capital (leverage) ratio | 13.7842% | 1,028 |
| Tier 1 risk-based capital ratio | 18.2655% | 1,736 |
| Total risk-based capital ratio | 19.2674% | 1,756 |
| Memoranda: | ||
| Average total assets | $1,816,219,000 | 463 |
| Average earning assets | $1,677,583,330 | 460 |
| Average equity | $254,057,330 | 393 |
| Average total loans | $1,359,653,330 | 442 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 1,400 |
| Cost of funding earning assets | 0.4327% | 4,357 |
| Net interest margin | 4.5415% | 687 |
| Noninterest income to average assets | 1.2311% | 540 |
| Noninterest expense to average assets | 3.3005% | 1,286 |
| Loan and lease loss provision to assets | 0.0935% | 1,863 |
| Net operating income to assets | 1.6256% | 847 |
| Return on assets (ROA) | 1.6256% | 880 |
| Pretax return on assets | 2.0460% | 589 |
| Return on Equity (ROE) | 11.7762% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.7762% | 659 |
| Net charge-offs to loans | 0.0611% | 1,430 |
| Credit loss provision to net charge-offs | 204.8309% | 1,036 |
| Earnings coverage of net charge-offs (x) | 46.8792% | 1,064 |
| Efficiency ratio | 60.6712% | 3,725 |
| Assets per employee ($millions) | 3.7708% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,686 |
| Loan loss allowance to noncurrent loans | 93.9952% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 1,739 |
| Noncurrent loans to loans | 1.0674% | 1,562 |
| Net loans and leases to total assets | 73.5122% | 1,897 |
| Net loans and leases to deposits | 88.0608% | 1,862 |
| Net loans and leases to core deposits | 91.2800% | 2,369 |
| Total domestic deposits to total assets | 83.4790% | 3,225 |
| Equity capital to assets | 13.8593% | 1,089 |
| Core capital (leverage) ratio | 13.6889% | 1,029 |
| Tier 1 risk-based capital ratio | 18.2309% | 1,732 |
| Total risk-based capital ratio | 19.2524% | 1,753 |
| Memoranda: | ||
| Average total assets | $1,814,249,500 | 467 |
| Average earning assets | $1,681,391,000 | 462 |
| Average equity | $250,437,500 | 395 |
| Average total loans | $1,355,974,000 | 440 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 1,425 |
| Cost of funding earning assets | 0.3283% | 4,422 |
| Net interest margin | 4.5217% | 732 |
| Noninterest income to average assets | 1.3710% | 486 |
| Noninterest expense to average assets | 3.3425% | 1,236 |
| Loan and lease loss provision to assets | 0.1514% | 1,400 |
| Net operating income to assets | 1.6470% | 778 |
| Return on assets (ROA) | 1.6470% | 777 |
| Pretax return on assets | 2.0682% | 477 |
| Return on Equity (ROE) | 12.2970% | 1,615 |
| Retained earnings to average equity (ytd only) | 10.4321% | 537 |
| Net charge-offs to loans | 0.1795% | 1,069 |
| Credit loss provision to net charge-offs | 111.4057% | 2,320 |
| Earnings coverage of net charge-offs (x) | 16.3329% | 2,253 |
| Efficiency ratio | 60.0944% | 3,846 |
| Assets per employee ($millions) | 3.8211% | 4,147 |
| Cash dividends to net income (ytd only)* | 15.1653% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,707 |
| Loan loss allowance to noncurrent loans | 99.1531% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 1,784 |
| Noncurrent loans to loans | 1.0071% | 1,614 |
| Net loans and leases to total assets | 74.4839% | 1,844 |
| Net loans and leases to deposits | 89.3184% | 1,890 |
| Net loans and leases to core deposits | 92.5756% | 2,356 |
| Total domestic deposits to total assets | 83.3914% | 3,195 |
| Equity capital to assets | 13.7472% | 1,048 |
| Core capital (leverage) ratio | 13.2410% | 1,163 |
| Tier 1 risk-based capital ratio | 17.8697% | 1,792 |
| Total risk-based capital ratio | 18.8866% | 1,816 |
| Memoranda: | ||
| Average total assets | $1,748,412,200 | 471 |
| Average earning assets | $1,620,535,400 | 463 |
| Average equity | $234,171,800 | 402 |
| Average total loans | $1,323,427,400 | 440 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 1,441 |
| Cost of funding earning assets | 0.2989% | 4,528 |
| Net interest margin | 4.4966% | 748 |
| Noninterest income to average assets | 1.3556% | 516 |
| Noninterest expense to average assets | 3.3454% | 1,208 |
| Loan and lease loss provision to assets | 0.1516% | 1,300 |
| Net operating income to assets | 1.6141% | 938 |
| Return on assets (ROA) | 1.6141% | 941 |
| Pretax return on assets | 2.0272% | 582 |
| Return on Equity (ROE) | 12.1340% | 1,745 |
| Retained earnings to average equity (ytd only) | 10.8476% | 680 |
| Net charge-offs to loans | 0.1666% | 994 |
| Credit loss provision to net charge-offs | 120.0486% | 1,988 |
| Earnings coverage of net charge-offs (x) | 17.2497% | 2,120 |
| Efficiency ratio | 60.5587% | 3,731 |
| Assets per employee ($millions) | 3.7907% | 4,183 |
| Cash dividends to net income (ytd only)* | 10.6019% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,774 |
| Loan loss allowance to noncurrent loans | 96.0918% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 1,795 |
| Noncurrent loans to loans | 1.0396% | 1,642 |
| Net loans and leases to total assets | 75.8664% | 1,675 |
| Net loans and leases to deposits | 90.7846% | 1,796 |
| Net loans and leases to core deposits | 94.1976% | 2,272 |
| Total domestic deposits to total assets | 83.5674% | 3,096 |
| Equity capital to assets | 13.5744% | 1,111 |
| Core capital (leverage) ratio | 13.2162% | 1,200 |
| Tier 1 risk-based capital ratio | 17.2421% | 2,006 |
| Total risk-based capital ratio | 18.2521% | 2,054 |
| Memoranda: | ||
| Average total assets | $1,737,486,750 | 470 |
| Average earning assets | $1,610,712,250 | 464 |
| Average equity | $231,123,500 | 403 |
| Average total loans | $1,317,209,250 | 440 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 1,433 |
| Cost of funding earning assets | 0.2809% | 4,557 |
| Net interest margin | 4.4473% | 770 |
| Noninterest income to average assets | 1.3658% | 514 |
| Noninterest expense to average assets | 3.3059% | 1,310 |
| Loan and lease loss provision to assets | 0.1427% | 1,357 |
| Net operating income to assets | 1.6245% | 868 |
| Return on assets (ROA) | 1.6245% | 869 |
| Pretax return on assets | 2.0406% | 554 |
| Return on Equity (ROE) | 12.2979% | 1,620 |
| Retained earnings to average equity (ytd only) | 10.3437% | 829 |
| Net charge-offs to loans | 0.1851% | 850 |
| Credit loss provision to net charge-offs | 102.0695% | 1,983 |
| Earnings coverage of net charge-offs (x) | 15.6142% | 2,033 |
| Efficiency ratio | 60.2252% | 3,906 |
| Assets per employee ($millions) | 3.7307% | 4,311 |
| Cash dividends to net income (ytd only)* | 15.8900% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,849 |
| Loan loss allowance to noncurrent loans | 98.0709% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 1,868 |
| Noncurrent loans to loans | 1.0185% | 1,730 |
| Net loans and leases to total assets | 74.8757% | 1,810 |
| Net loans and leases to deposits | 89.1371% | 1,956 |
| Net loans and leases to core deposits | 92.5058% | 2,354 |
| Total domestic deposits to total assets | 84.0005% | 3,067 |
| Equity capital to assets | 13.3266% | 1,172 |
| Core capital (leverage) ratio | 12.9424% | 1,248 |
| Tier 1 risk-based capital ratio | 17.1731% | 2,038 |
| Total risk-based capital ratio | 18.1891% | 2,065 |
| Memoranda: | ||
| Average total assets | $1,727,819,330 | 473 |
| Average earning assets | $1,602,006,330 | 467 |
| Average equity | $228,234,670 | 407 |
| Average total loans | $1,305,047,670 | 441 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,344 |
| Cost of funding earning assets | 0.2653% | 4,613 |
| Net interest margin | 4.4182% | 737 |
| Noninterest income to average assets | 1.3697% | 497 |
| Noninterest expense to average assets | 3.2592% | 1,431 |
| Loan and lease loss provision to assets | 0.1055% | 1,761 |
| Net operating income to assets | 1.6703% | 732 |
| Return on assets (ROA) | 1.6703% | 735 |
| Pretax return on assets | 2.0982% | 467 |
| Return on Equity (ROE) | 12.7018% | 1,351 |
| Retained earnings to average equity (ytd only) | 12.7018% | 566 |
| Net charge-offs to loans | 0.1685% | 856 |
| Credit loss provision to net charge-offs | 82.9670% | 1,722 |
| Earnings coverage of net charge-offs (x) | 17.3242% | 1,588 |
| Efficiency ratio | 59.6597% | 4,109 |
| Assets per employee ($millions) | 3.8272% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,892 |
| Loan loss allowance to noncurrent loans | 92.5664% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 1,886 |
| Noncurrent loans to loans | 1.0908% | 1,680 |
| Net loans and leases to total assets | 73.7553% | 1,902 |
| Net loans and leases to deposits | 87.4258% | 2,003 |
| Net loans and leases to core deposits | 90.5844% | 2,409 |
| Total domestic deposits to total assets | 84.3633% | 3,163 |
| Equity capital to assets | 13.1436% | 1,176 |
| Core capital (leverage) ratio | 13.0249% | 1,173 |
| Tier 1 risk-based capital ratio | 17.3680% | 2,011 |
| Total risk-based capital ratio | 18.4164% | 2,023 |
| Memoranda: | ||
| Average total assets | $1,716,868,500 | 477 |
| Average earning assets | $1,590,593,000 | 471 |
| Average equity | $225,763,000 | 415 |
| Average total loans | $1,295,905,000 | 451 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 1,540 |
| Cost of funding earning assets | 0.2267% | 4,741 |
| Net interest margin | 4.3335% | 901 |
| Noninterest income to average assets | 1.4360% | 516 |
| Noninterest expense to average assets | 3.3347% | 1,312 |
| Loan and lease loss provision to assets | 0.1059% | 2,114 |
| Net operating income to assets | 1.1534% | 1,673 |
| Return on assets (ROA) | 1.1534% | 1,701 |
| Pretax return on assets | 1.9935% | 497 |
| Return on Equity (ROE) | 8.7648% | 2,424 |
| Retained earnings to average equity (ytd only) | 6.8375% | 1,146 |
| Net charge-offs to loans | 0.4272% | 573 |
| Credit loss provision to net charge-offs | 32.3933% | 3,515 |
| Earnings coverage of net charge-offs (x) | 6.4195% | 3,182 |
| Efficiency ratio | 61.3664% | 4,039 |
| Assets per employee ($millions) | 3.7114% | 4,416 |
| Cash dividends to net income (ytd only)* | 21.9884% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,816 |
| Loan loss allowance to noncurrent loans | 68.7171% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 1,265 |
| Noncurrent loans to loans | 1.4833% | 1,153 |
| Net loans and leases to total assets | 75.7025% | 1,653 |
| Net loans and leases to deposits | 89.1200% | 1,880 |
| Net loans and leases to core deposits | 92.4706% | 2,328 |
| Total domestic deposits to total assets | 84.9445% | 2,858 |
| Equity capital to assets | 13.1560% | 1,189 |
| Core capital (leverage) ratio | 12.6590% | 1,281 |
| Tier 1 risk-based capital ratio | 16.6971% | 2,203 |
| Total risk-based capital ratio | 17.7393% | 2,205 |
| Memoranda: | ||
| Average total assets | $1,648,175,600 | 475 |
| Average earning assets | $1,520,606,600 | 470 |
| Average equity | $216,891,000 | 412 |
| Average total loans | $1,261,727,800 | 443 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 1,554 |
| Cost of funding earning assets | 0.2180% | 4,830 |
| Net interest margin | 4.3134% | 888 |
| Noninterest income to average assets | 1.4337% | 522 |
| Noninterest expense to average assets | 3.3469% | 1,252 |
| Loan and lease loss provision to assets | 0.1223% | 1,771 |
| Net operating income to assets | 1.2885% | 1,378 |
| Return on assets (ROA) | 1.2885% | 1,404 |
| Pretax return on assets | 1.9438% | 616 |
| Return on Equity (ROE) | 9.7907% | 2,214 |
| Retained earnings to average equity (ytd only) | 8.5146% | 1,010 |
| Net charge-offs to loans | 0.3501% | 603 |
| Credit loss provision to net charge-offs | 45.6258% | 2,960 |
| Earnings coverage of net charge-offs (x) | 7.7066% | 2,850 |
| Efficiency ratio | 61.8301% | 3,913 |
| Assets per employee ($millions) | 3.6811% | 4,474 |
| Cash dividends to net income (ytd only)* | 13.0333% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 3,044 |
| Loan loss allowance to noncurrent loans | 71.3263% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 1,174 |
| Noncurrent loans to loans | 1.6532% | 1,107 |
| Net loans and leases to total assets | 74.7955% | 1,789 |
| Net loans and leases to deposits | 88.3454% | 2,010 |
| Net loans and leases to core deposits | 91.5283% | 2,492 |
| Total domestic deposits to total assets | 84.6626% | 2,857 |
| Equity capital to assets | 13.2061% | 1,291 |
| Core capital (leverage) ratio | 12.8860% | 1,258 |
| Tier 1 risk-based capital ratio | 16.8497% | 2,201 |
| Total risk-based capital ratio | 18.0579% | 2,174 |
| Memoranda: | ||
| Average total assets | $1,637,124,000 | 483 |
| Average earning assets | $1,510,373,000 | 478 |
| Average equity | $215,451,250 | 415 |
| Average total loans | $1,253,567,500 | 446 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 1,504 |
| Cost of funding earning assets | 0.2112% | 4,883 |
| Net interest margin | 4.2926% | 881 |
| Noninterest income to average assets | 1.4400% | 521 |
| Noninterest expense to average assets | 3.3908% | 1,191 |
| Loan and lease loss provision to assets | 0.1066% | 1,906 |
| Net operating income to assets | 1.2612% | 1,403 |
| Return on assets (ROA) | 1.2612% | 1,430 |
| Pretax return on assets | 1.9010% | 650 |
| Return on Equity (ROE) | 9.5948% | 2,220 |
| Retained earnings to average equity (ytd only) | 7.6591% | 1,294 |
| Net charge-offs to loans | 0.4351% | 465 |
| Credit loss provision to net charge-offs | 31.8702% | 2,713 |
| Earnings coverage of net charge-offs (x) | 6.0015% | 2,757 |
| Efficiency ratio | 62.8114% | 3,848 |
| Assets per employee ($millions) | 3.6564% | 4,501 |
| Cash dividends to net income (ytd only)* | 20.1742% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 3,135 |
| Loan loss allowance to noncurrent loans | 61.1887% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.5954% | 932 |
| Noncurrent loans to loans | 1.9293% | 893 |
| Net loans and leases to total assets | 75.7585% | 1,578 |
| Net loans and leases to deposits | 89.0993% | 1,852 |
| Net loans and leases to core deposits | 92.3454% | 2,311 |
| Total domestic deposits to total assets | 85.0270% | 2,795 |
| Equity capital to assets | 13.1027% | 1,326 |
| Core capital (leverage) ratio | 12.7991% | 1,257 |
| Tier 1 risk-based capital ratio | 16.3698% | 2,373 |
| Total risk-based capital ratio | 17.5759% | 2,329 |
| Memoranda: | ||
| Average total assets | $1,620,853,330 | 487 |
| Average earning assets | $1,494,667,670 | 483 |
| Average equity | $213,052,670 | 419 |
| Average total loans | $1,246,072,670 | 449 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 1,447 |
| Cost of funding earning assets | 0.2057% | 4,924 |
| Net interest margin | 4.2644% | 860 |
| Noninterest income to average assets | 1.4394% | 518 |
| Noninterest expense to average assets | 3.3884% | 1,221 |
| Loan and lease loss provision to assets | 0.0699% | 2,413 |
| Net operating income to assets | 1.2700% | 1,322 |
| Return on assets (ROA) | 1.2700% | 1,354 |
| Pretax return on assets | 1.9120% | 608 |
| Return on Equity (ROE) | 9.6462% | 2,121 |
| Retained earnings to average equity (ytd only) | 9.6462% | 892 |
| Net charge-offs to loans | 0.7386% | 234 |
| Credit loss provision to net charge-offs | 12.2861% | 2,211 |
| Earnings coverage of net charge-offs (x) | 3.4853% | 2,480 |
| Efficiency ratio | 63.0953% | 3,973 |
| Assets per employee ($millions) | 3.6125% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 3,144 |
| Loan loss allowance to noncurrent loans | 58.4334% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.7030% | 869 |
| Noncurrent loans to loans | 2.0517% | 857 |
| Net loans and leases to total assets | 75.5578% | 1,490 |
| Net loans and leases to deposits | 89.0374% | 1,662 |
| Net loans and leases to core deposits | 92.1967% | 2,141 |
| Total domestic deposits to total assets | 84.8608% | 3,137 |
| Equity capital to assets | 13.1990% | 1,186 |
| Core capital (leverage) ratio | 12.8297% | 1,205 |
| Tier 1 risk-based capital ratio | 16.6007% | 2,322 |
| Total risk-based capital ratio | 17.8214% | 2,284 |
| Memoranda: | ||
| Average total assets | $1,603,116,000 | 497 |
| Average earning assets | $1,477,737,000 | 488 |
| Average equity | $211,067,500 | 424 |
| Average total loans | $1,234,209,500 | 451 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5227% | 1,468 |
| Cost of funding earning assets | 0.2011% | 5,004 |
| Net interest margin | 4.3216% | 899 |
| Noninterest income to average assets | 1.4795% | 537 |
| Noninterest expense to average assets | 3.3373% | 1,492 |
| Loan and lease loss provision to assets | 0.3848% | 418 |
| Net operating income to assets | 1.1547% | 1,679 |
| Return on assets (ROA) | 1.1547% | 1,772 |
| Pretax return on assets | 1.7403% | 913 |
| Return on Equity (ROE) | 9.0001% | 2,414 |
| Retained earnings to average equity (ytd only) | 7.4612% | 1,052 |
| Net charge-offs to loans | 0.2151% | 1,284 |
| Credit loss provision to net charge-offs | 234.4828% | 1,227 |
| Earnings coverage of net charge-offs (x) | 12.9485% | 2,409 |
| Efficiency ratio | 61.0952% | 4,401 |
| Assets per employee ($millions) | 3.6252% | 4,573 |
| Cash dividends to net income (ytd only)* | 17.0990% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 2,228 |
| Loan loss allowance to noncurrent loans | 64.0872% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.7531% | 862 |
| Noncurrent loans to loans | 2.1346% | 808 |
| Net loans and leases to total assets | 76.4512% | 1,442 |
| Net loans and leases to deposits | 90.2878% | 1,651 |
| Net loans and leases to core deposits | 93.7254% | 2,131 |
| Total domestic deposits to total assets | 84.6750% | 3,181 |
| Equity capital to assets | 13.1325% | 1,204 |
| Core capital (leverage) ratio | 12.5973% | 1,303 |
| Tier 1 risk-based capital ratio | 16.1941% | 2,473 |
| Total risk-based capital ratio | 17.4458% | 2,410 |
| Memoranda: | ||
| Average total assets | $1,572,611,400 | 485 |
| Average earning assets | $1,449,384,400 | 479 |
| Average equity | $201,765,000 | 432 |
| Average total loans | $1,199,736,600 | 440 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 1,459 |
| Cost of funding earning assets | 0.1996% | 5,076 |
| Net interest margin | 4.3269% | 884 |
| Noninterest income to average assets | 1.4569% | 566 |
| Noninterest expense to average assets | 3.3350% | 1,485 |
| Loan and lease loss provision to assets | 0.4077% | 352 |
| Net operating income to assets | 1.1268% | 1,889 |
| Return on assets (ROA) | 1.1268% | 2,003 |
| Pretax return on assets | 1.7035% | 1,107 |
| Return on Equity (ROE) | 8.8351% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.1027% | 1,136 |
| Net charge-offs to loans | 0.2417% | 967 |
| Credit loss provision to net charge-offs | 221.9806% | 1,328 |
| Earnings coverage of net charge-offs (x) | 11.4951% | 2,481 |
| Efficiency ratio | 61.2356% | 4,348 |
| Assets per employee ($millions) | 3.5742% | 4,680 |
| Cash dividends to net income (ytd only)* | 8.2894% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,602 |
| Loan loss allowance to noncurrent loans | 70.8617% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.5561% | 1,131 |
| Noncurrent loans to loans | 1.8558% | 1,086 |
| Net loans and leases to total assets | 76.1840% | 1,494 |
| Net loans and leases to deposits | 90.2458% | 1,720 |
| Net loans and leases to core deposits | 93.5122% | 2,232 |
| Total domestic deposits to total assets | 84.4183% | 3,056 |
| Equity capital to assets | 13.0954% | 1,449 |
| Core capital (leverage) ratio | 12.6330% | 1,347 |
| Tier 1 risk-based capital ratio | 16.3117% | 2,491 |
| Total risk-based capital ratio | 17.5629% | 2,443 |
| Memoranda: | ||
| Average total assets | $1,568,810,250 | 485 |
| Average earning assets | $1,446,405,250 | 478 |
| Average equity | $200,076,250 | 437 |
| Average total loans | $1,191,985,500 | 443 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5082% | 1,483 |
| Cost of funding earning assets | 0.1994% | 5,152 |
| Net interest margin | 4.3087% | 909 |
| Noninterest income to average assets | 1.4212% | 570 |
| Noninterest expense to average assets | 3.3133% | 1,567 |
| Loan and lease loss provision to assets | 0.3979% | 386 |
| Net operating income to assets | 1.1146% | 1,907 |
| Return on assets (ROA) | 1.1146% | 2,026 |
| Pretax return on assets | 1.6825% | 1,138 |
| Return on Equity (ROE) | 8.8188% | 2,578 |
| Retained earnings to average equity (ytd only) | 7.7085% | 1,286 |
| Net charge-offs to loans | 0.2551% | 935 |
| Credit loss provision to net charge-offs | 206.3576% | 1,270 |
| Earnings coverage of net charge-offs (x) | 10.7901% | 2,305 |
| Efficiency ratio | 61.4294% | 4,442 |
| Assets per employee ($millions) | 3.5438% | 4,684 |
| Cash dividends to net income (ytd only)* | 12.5902% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 3,122 |
| Loan loss allowance to noncurrent loans | 153.3702% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 2,612 |
| Noncurrent loans to loans | 0.8097% | 2,724 |
| Net loans and leases to total assets | 76.7054% | 1,382 |
| Net loans and leases to deposits | 90.2663% | 1,724 |
| Net loans and leases to core deposits | 93.5997% | 2,204 |
| Total domestic deposits to total assets | 84.9768% | 2,892 |
| Equity capital to assets | 13.0068% | 1,498 |
| Core capital (leverage) ratio | 12.2080% | 1,513 |
| Tier 1 risk-based capital ratio | 15.9183% | 2,684 |
| Total risk-based capital ratio | 17.1685% | 2,625 |
| Memoranda: | ||
| Average total assets | $1,566,333,330 | 484 |
| Average earning assets | $1,444,135,330 | 479 |
| Average equity | $197,963,330 | 439 |
| Average total loans | $1,183,699,000 | 449 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 1,657 |
| Cost of funding earning assets | 0.2003% | 5,203 |
| Net interest margin | 4.2488% | 1,004 |
| Noninterest income to average assets | 1.3583% | 600 |
| Noninterest expense to average assets | 3.3064% | 1,587 |
| Loan and lease loss provision to assets | 0.2812% | 585 |
| Net operating income to assets | 1.1216% | 1,827 |
| Return on assets (ROA) | 1.1216% | 1,926 |
| Pretax return on assets | 1.6906% | 1,088 |
| Return on Equity (ROE) | 9.0040% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.0040% | 1,114 |
| Net charge-offs to loans | 0.1184% | 1,409 |
| Credit loss provision to net charge-offs | 318.7320% | 816 |
| Earnings coverage of net charge-offs (x) | 22.3516% | 1,408 |
| Efficiency ratio | 62.6433% | 4,350 |
| Assets per employee ($millions) | 3.5734% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 3,495 |
| Loan loss allowance to noncurrent loans | 131.3953% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 2,561 |
| Noncurrent loans to loans | 0.9114% | 2,572 |
| Net loans and leases to total assets | 73.9504% | 1,735 |
| Net loans and leases to deposits | 86.7677% | 1,974 |
| Net loans and leases to core deposits | 90.0077% | 2,370 |
| Total domestic deposits to total assets | 85.2281% | 3,030 |
| Equity capital to assets | 12.5975% | 1,622 |
| Core capital (leverage) ratio | 12.0581% | 1,573 |
| Tier 1 risk-based capital ratio | 15.8927% | 2,736 |
| Total risk-based capital ratio | 17.1069% | 2,688 |
| Memoranda: | ||
| Average total assets | $1,573,416,000 | 486 |
| Average earning assets | $1,451,603,500 | 477 |
| Average equity | $196,001,500 | 436 |
| Average total loans | $1,172,764,500 | 451 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 1,793 |
| Cost of funding earning assets | 0.2114% | 5,179 |
| Net interest margin | 4.2225% | 1,120 |
| Noninterest income to average assets | 1.4181% | 600 |
| Noninterest expense to average assets | 3.3324% | 1,642 |
| Loan and lease loss provision to assets | 0.2091% | 1,004 |
| Net operating income to assets | 1.1657% | 1,684 |
| Return on assets (ROA) | 1.1657% | 1,755 |
| Pretax return on assets | 1.7695% | 854 |
| Return on Equity (ROE) | 9.6623% | 2,150 |
| Retained earnings to average equity (ytd only) | 6.2626% | 1,668 |
| Net charge-offs to loans | 0.2308% | 1,288 |
| Credit loss provision to net charge-offs | 123.9437% | 2,093 |
| Earnings coverage of net charge-offs (x) | 11.7297% | 2,536 |
| Efficiency ratio | 62.5121% | 4,531 |
| Assets per employee ($millions) | 3.5303% | 4,774 |
| Cash dividends to net income (ytd only)* | 35.1859% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,773 |
| Loan loss allowance to noncurrent loans | 135.6541% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 2,699 |
| Noncurrent loans to loans | 0.8450% | 2,675 |
| Net loans and leases to total assets | 73.3738% | 1,831 |
| Net loans and leases to deposits | 85.5039% | 2,187 |
| Net loans and leases to core deposits | 88.7679% | 2,526 |
| Total domestic deposits to total assets | 85.8135% | 2,727 |
| Equity capital to assets | 12.3161% | 1,726 |
| Core capital (leverage) ratio | 11.7429% | 1,789 |
| Tier 1 risk-based capital ratio | 15.7576% | 2,800 |
| Total risk-based capital ratio | 16.9202% | 2,780 |
| Memoranda: | ||
| Average total assets | $1,557,396,000 | 458 |
| Average earning assets | $1,435,824,400 | 452 |
| Average equity | $187,894,400 | 437 |
| Average total loans | $1,138,224,400 | 437 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 1,899 |
| Cost of funding earning assets | 0.2140% | 5,246 |
| Net interest margin | 4.1942% | 1,180 |
| Noninterest income to average assets | 1.3630% | 661 |
| Noninterest expense to average assets | 3.3353% | 1,608 |
| Loan and lease loss provision to assets | 0.1910% | 1,062 |
| Net operating income to assets | 1.1111% | 1,955 |
| Return on assets (ROA) | 1.1111% | 2,034 |
| Pretax return on assets | 1.7038% | 1,092 |
| Return on Equity (ROE) | 9.2582% | 2,436 |
| Retained earnings to average equity (ytd only) | 4.6913% | 3,136 |
| Net charge-offs to loans | 0.1989% | 1,293 |
| Credit loss provision to net charge-offs | 131.8720% | 1,859 |
| Earnings coverage of net charge-offs (x) | 13.0829% | 2,357 |
| Efficiency ratio | 63.4552% | 4,343 |
| Assets per employee ($millions) | 3.5488% | 4,701 |
| Cash dividends to net income (ytd only)* | 49.3282% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 3,953 |
| Loan loss allowance to noncurrent loans | 137.2235% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 2,813 |
| Noncurrent loans to loans | 0.8352% | 2,884 |
| Net loans and leases to total assets | 72.9991% | 1,906 |
| Net loans and leases to deposits | 85.5032% | 2,207 |
| Net loans and leases to core deposits | 88.6055% | 2,599 |
| Total domestic deposits to total assets | 85.3758% | 2,841 |
| Equity capital to assets | 12.0459% | 2,064 |
| Core capital (leverage) ratio | 11.5035% | 2,036 |
| Tier 1 risk-based capital ratio | 15.3804% | 3,102 |
| Total risk-based capital ratio | 16.5412% | 3,075 |
| Memoranda: | ||
| Average total assets | $1,554,002,500 | 461 |
| Average earning assets | $1,432,784,500 | 455 |
| Average equity | $186,497,250 | 443 |
| Average total loans | $1,131,268,750 | 440 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 1,925 |
| Cost of funding earning assets | 0.2166% | 5,289 |
| Net interest margin | 4.1626% | 1,196 |
| Noninterest income to average assets | 1.3300% | 692 |
| Noninterest expense to average assets | 3.3391% | 1,602 |
| Loan and lease loss provision to assets | 0.1722% | 1,209 |
| Net operating income to assets | 1.0788% | 2,016 |
| Return on assets (ROA) | 1.0788% | 2,122 |
| Pretax return on assets | 1.6569% | 1,177 |
| Return on Equity (ROE) | 9.0004% | 2,549 |
| Retained earnings to average equity (ytd only) | 6.9668% | 1,716 |
| Net charge-offs to loans | 0.1454% | 1,618 |
| Credit loss provision to net charge-offs | 163.4804% | 1,448 |
| Earnings coverage of net charge-offs (x) | 17.3627% | 1,860 |
| Efficiency ratio | 64.1262% | 4,339 |
| Assets per employee ($millions) | 3.4398% | 4,918 |
| Cash dividends to net income (ytd only)* | 22.5945% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,999 |
| Loan loss allowance to noncurrent loans | 148.9159% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 3,105 |
| Noncurrent loans to loans | 0.7824% | 3,148 |
| Net loans and leases to total assets | 72.7978% | 1,844 |
| Net loans and leases to deposits | 85.0407% | 2,181 |
| Net loans and leases to core deposits | 88.5137% | 2,506 |
| Total domestic deposits to total assets | 85.6034% | 2,874 |
| Equity capital to assets | 12.2074% | 1,872 |
| Core capital (leverage) ratio | 11.4602% | 2,025 |
| Tier 1 risk-based capital ratio | 15.4657% | 3,118 |
| Total risk-based capital ratio | 16.6264% | 3,107 |
| Memoranda: | ||
| Average total assets | $1,549,153,670 | 464 |
| Average earning assets | $1,428,441,000 | 456 |
| Average equity | $185,681,000 | 446 |
| Average total loans | $1,122,258,000 | 442 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 2,057 |
| Cost of funding earning assets | 0.2177% | 5,341 |
| Net interest margin | 4.0940% | 1,292 |
| Noninterest income to average assets | 1.2519% | 729 |
| Noninterest expense to average assets | 3.2902% | 1,742 |
| Loan and lease loss provision to assets | 0.2032% | 901 |
| Net operating income to assets | 0.9900% | 2,310 |
| Return on assets (ROA) | 0.9900% | 2,439 |
| Pretax return on assets | 1.5353% | 1,440 |
| Return on Equity (ROE) | 8.3364% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.3364% | 1,443 |
| Net charge-offs to loans | 0.0413% | 2,405 |
| Credit loss provision to net charge-offs | 685.2174% | 434 |
| Earnings coverage of net charge-offs (x) | 58.6348% | 753 |
| Efficiency ratio | 64.4399% | 4,410 |
| Assets per employee ($millions) | 3.5535% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 3,976 |
| Loan loss allowance to noncurrent loans | 104.7656% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.9197% | 2,798 |
| Noncurrent loans to loans | 1.1463% | 2,476 |
| Net loans and leases to total assets | 70.2428% | 2,107 |
| Net loans and leases to deposits | 81.8496% | 2,351 |
| Net loans and leases to core deposits | 85.1789% | 2,634 |
| Total domestic deposits to total assets | 85.8193% | 3,031 |
| Equity capital to assets | 11.8565% | 2,143 |
| Core capital (leverage) ratio | 11.4136% | 2,069 |
| Tier 1 risk-based capital ratio | 15.4825% | 3,153 |
| Total risk-based capital ratio | 16.6727% | 3,122 |
| Memoranda: | ||
| Average total assets | $1,551,503,500 | 466 |
| Average earning assets | $1,431,282,500 | 451 |
| Average equity | $184,252,500 | 452 |
| Average total loans | $1,114,595,500 | 444 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5110% | 1,828 |
| Cost of funding earning assets | 0.2479% | 5,350 |
| Net interest margin | 4.2632% | 1,138 |
| Noninterest income to average assets | 1.4270% | 598 |
| Noninterest expense to average assets | 3.2449% | 2,088 |
| Loan and lease loss provision to assets | 0.2388% | 993 |
| Net operating income to assets | 1.1948% | 1,601 |
| Return on assets (ROA) | 1.1948% | 1,668 |
| Pretax return on assets | 1.8637% | 687 |
| Return on Equity (ROE) | 10.1620% | 2,043 |
| Retained earnings to average equity (ytd only) | 8.0621% | 999 |
| Net charge-offs to loans | 0.3094% | 1,420 |
| Credit loss provision to net charge-offs | 107.4713% | 2,224 |
| Earnings coverage of net charge-offs (x) | 9.4634% | 2,743 |
| Efficiency ratio | 59.2281% | 5,316 |
| Assets per employee ($millions) | 3.5146% | 4,878 |
| Cash dividends to net income (ytd only)* | 20.6648% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 4,309 |
| Loan loss allowance to noncurrent loans | 118.2637% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7757% | 3,273 |
| Noncurrent loans to loans | 0.9681% | 2,902 |
| Net loans and leases to total assets | 71.7702% | 1,944 |
| Net loans and leases to deposits | 83.7811% | 2,239 |
| Net loans and leases to core deposits | 87.2906% | 2,584 |
| Total domestic deposits to total assets | 85.6639% | 3,004 |
| Equity capital to assets | 11.8954% | 2,089 |
| Core capital (leverage) ratio | 11.1933% | 2,222 |
| Tier 1 risk-based capital ratio | 15.8281% | 3,040 |
| Total risk-based capital ratio | 17.0142% | 3,025 |
| Memoranda: | ||
| Average total assets | $1,488,053,000 | 469 |
| Average earning assets | $1,368,401,200 | 461 |
| Average equity | $174,955,000 | 452 |
| Average total loans | $1,068,670,400 | 435 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 1,860 |
| Cost of funding earning assets | 0.2523% | 5,380 |
| Net interest margin | 4.2503% | 1,154 |
| Noninterest income to average assets | 1.4152% | 624 |
| Noninterest expense to average assets | 3.2713% | 1,967 |
| Loan and lease loss provision to assets | 0.2492% | 870 |
| Net operating income to assets | 1.1501% | 1,865 |
| Return on assets (ROA) | 1.1501% | 1,924 |
| Pretax return on assets | 1.8017% | 893 |
| Return on Equity (ROE) | 9.8116% | 2,302 |
| Retained earnings to average equity (ytd only) | 8.3976% | 1,190 |
| Net charge-offs to loans | 0.3571% | 1,131 |
| Credit loss provision to net charge-offs | 97.4585% | 2,290 |
| Earnings coverage of net charge-offs (x) | 8.0198% | 2,865 |
| Efficiency ratio | 59.9919% | 5,181 |
| Assets per employee ($millions) | 3.4749% | 4,908 |
| Cash dividends to net income (ytd only)* | 14.4113% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 4,479 |
| Loan loss allowance to noncurrent loans | 266.5379% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 4,806 |
| Noncurrent loans to loans | 0.4329% | 4,604 |
| Net loans and leases to total assets | 70.7025% | 2,077 |
| Net loans and leases to deposits | 82.5490% | 2,355 |
| Net loans and leases to core deposits | 86.5164% | 2,609 |
| Total domestic deposits to total assets | 85.6491% | 3,043 |
| Equity capital to assets | 11.8831% | 2,168 |
| Core capital (leverage) ratio | 11.2370% | 2,276 |
| Tier 1 risk-based capital ratio | 16.0079% | 3,054 |
| Total risk-based capital ratio | 17.2002% | 3,026 |
| Memoranda: | ||
| Average total assets | $1,476,977,750 | 468 |
| Average earning assets | $1,357,695,000 | 463 |
| Average equity | $173,123,750 | 451 |
| Average total loans | $1,057,710,500 | 435 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 1,880 |
| Cost of funding earning assets | 0.2572% | 5,408 |
| Net interest margin | 4.2282% | 1,185 |
| Noninterest income to average assets | 1.3806% | 636 |
| Noninterest expense to average assets | 3.2801% | 1,967 |
| Loan and lease loss provision to assets | 0.2464% | 898 |
| Net operating income to assets | 1.1060% | 1,919 |
| Return on assets (ROA) | 1.1060% | 1,987 |
| Pretax return on assets | 1.7364% | 952 |
| Return on Equity (ROE) | 9.4806% | 2,378 |
| Retained earnings to average equity (ytd only) | 7.3362% | 1,594 |
| Net charge-offs to loans | 0.3083% | 1,313 |
| Credit loss provision to net charge-offs | 111.5361% | 1,796 |
| Earnings coverage of net charge-offs (x) | 8.9766% | 2,417 |
| Efficiency ratio | 60.8265% | 5,173 |
| Assets per employee ($millions) | 3.4101% | 5,034 |
| Cash dividends to net income (ytd only)* | 22.6192% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 4,444 |
| Loan loss allowance to noncurrent loans | 150.7014% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 4,050 |
| Noncurrent loans to loans | 0.7931% | 3,710 |
| Net loans and leases to total assets | 70.3211% | 2,030 |
| Net loans and leases to deposits | 81.5971% | 2,304 |
| Net loans and leases to core deposits | 85.5871% | 2,558 |
| Total domestic deposits to total assets | 86.1809% | 2,947 |
| Equity capital to assets | 11.7027% | 2,237 |
| Core capital (leverage) ratio | 11.0078% | 2,423 |
| Tier 1 risk-based capital ratio | 16.1178% | 3,027 |
| Total risk-based capital ratio | 17.3679% | 2,973 |
| Memoranda: | ||
| Average total assets | $1,467,762,330 | 470 |
| Average earning assets | $1,347,681,000 | 464 |
| Average equity | $171,233,000 | 449 |
| Average total loans | $1,051,539,000 | 436 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 1,842 |
| Cost of funding earning assets | 0.2632% | 5,460 |
| Net interest margin | 4.2272% | 1,149 |
| Noninterest income to average assets | 1.3253% | 651 |
| Noninterest expense to average assets | 3.2955% | 1,952 |
| Loan and lease loss provision to assets | 0.2082% | 1,108 |
| Net operating income to assets | 1.0848% | 1,877 |
| Return on assets (ROA) | 1.0848% | 1,939 |
| Pretax return on assets | 1.7032% | 969 |
| Return on Equity (ROE) | 9.3133% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.3133% | 1,158 |
| Net charge-offs to loans | 0.2613% | 1,292 |
| Credit loss provision to net charge-offs | 110.8187% | 1,540 |
| Earnings coverage of net charge-offs (x) | 10.1754% | 1,882 |
| Efficiency ratio | 61.7669% | 5,161 |
| Assets per employee ($millions) | 3.4026% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 4,644 |
| Loan loss allowance to noncurrent loans | 146.7757% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 4,149 |
| Noncurrent loans to loans | 0.8159% | 3,837 |
| Net loans and leases to total assets | 70.3566% | 1,828 |
| Net loans and leases to deposits | 81.8356% | 2,059 |
| Net loans and leases to core deposits | 85.7654% | 2,350 |
| Total domestic deposits to total assets | 85.9731% | 3,379 |
| Equity capital to assets | 11.6615% | 2,131 |
| Core capital (leverage) ratio | 11.1160% | 2,285 |
| Tier 1 risk-based capital ratio | 16.1373% | 3,096 |
| Total risk-based capital ratio | 17.3876% | 3,061 |
| Memoranda: | ||
| Average total assets | $1,456,528,000 | 472 |
| Average earning assets | $1,337,431,500 | 466 |
| Average equity | $169,650,500 | 450 |
| Average total loans | $1,046,996,500 | 437 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 1,776 |
| Cost of funding earning assets | 0.3293% | 5,332 |
| Net interest margin | 4.2988% | 1,110 |
| Noninterest income to average assets | 1.4387% | 673 |
| Noninterest expense to average assets | 3.2723% | 2,213 |
| Loan and lease loss provision to assets | 0.2123% | 1,734 |
| Net operating income to assets | 1.2156% | 1,506 |
| Return on assets (ROA) | 1.2156% | 1,580 |
| Pretax return on assets | 1.8923% | 610 |
| Return on Equity (ROE) | 10.6827% | 1,870 |
| Retained earnings to average equity (ytd only) | 8.4740% | 915 |
| Net charge-offs to loans | 0.2364% | 2,562 |
| Credit loss provision to net charge-offs | 125.2492% | 1,893 |
| Earnings coverage of net charge-offs (x) | 12.4182% | 2,125 |
| Efficiency ratio | 59.3445% | 5,559 |
| Assets per employee ($millions) | 3.3638% | 5,172 |
| Cash dividends to net income (ytd only)* | 20.6751% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 4,685 |
| Loan loss allowance to noncurrent loans | 187.2845% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 4,758 |
| Noncurrent loans to loans | 0.6383% | 4,384 |
| Net loans and leases to total assets | 71.7049% | 1,734 |
| Net loans and leases to deposits | 83.3453% | 2,018 |
| Net loans and leases to core deposits | 87.3354% | 2,314 |
| Total domestic deposits to total assets | 86.0335% | 3,244 |
| Equity capital to assets | 11.6334% | 2,077 |
| Core capital (leverage) ratio | 10.8410% | 2,535 |
| Tier 1 risk-based capital ratio | 15.9768% | 3,100 |
| Total risk-based capital ratio | 17.2272% | 3,061 |
| Memoranda: | ||
| Average total assets | $1,420,879,200 | 474 |
| Average earning assets | $1,301,669,800 | 471 |
| Average equity | $161,682,200 | 465 |
| Average total loans | $1,018,623,600 | 425 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 1,696 |
| Cost of funding earning assets | 0.3382% | 5,405 |
| Net interest margin | 4.3273% | 1,031 |
| Noninterest income to average assets | 1.4496% | 700 |
| Noninterest expense to average assets | 3.2640% | 2,165 |
| Loan and lease loss provision to assets | 0.1973% | 1,847 |
| Net operating income to assets | 1.2339% | 1,522 |
| Return on assets (ROA) | 1.2339% | 1,599 |
| Pretax return on assets | 1.9514% | 648 |
| Return on Equity (ROE) | 10.9057% | 1,853 |
| Retained earnings to average equity (ytd only) | 9.4619% | 917 |
| Net charge-offs to loans | 0.2147% | 2,540 |
| Credit loss provision to net charge-offs | 128.5890% | 1,835 |
| Earnings coverage of net charge-offs (x) | 14.0018% | 1,974 |
| Efficiency ratio | 58.7925% | 5,585 |
| Assets per employee ($millions) | 3.3285% | 5,230 |
| Cash dividends to net income (ytd only)* | 13.2382% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 4,883 |
| Loan loss allowance to noncurrent loans | 219.9893% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 5,174 |
| Noncurrent loans to loans | 0.5434% | 4,836 |
| Net loans and leases to total assets | 71.1438% | 1,758 |
| Net loans and leases to deposits | 82.7900% | 2,032 |
| Net loans and leases to core deposits | 86.4683% | 2,353 |
| Total domestic deposits to total assets | 85.9329% | 3,300 |
| Equity capital to assets | 11.5213% | 2,288 |
| Core capital (leverage) ratio | 10.9515% | 2,527 |
| Tier 1 risk-based capital ratio | 15.8696% | 3,269 |
| Total risk-based capital ratio | 17.1210% | 3,216 |
| Memoranda: | ||
| Average total assets | $1,416,170,250 | 477 |
| Average earning assets | $1,296,998,500 | 477 |
| Average equity | $160,230,750 | 476 |
| Average total loans | $1,012,070,500 | 427 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 1,682 |
| Cost of funding earning assets | 0.3465% | 5,442 |
| Net interest margin | 4.3102% | 1,009 |
| Noninterest income to average assets | 1.4258% | 777 |
| Noninterest expense to average assets | 3.2684% | 2,167 |
| Loan and lease loss provision to assets | 0.1611% | 2,315 |
| Net operating income to assets | 1.2254% | 1,527 |
| Return on assets (ROA) | 1.2254% | 1,632 |
| Pretax return on assets | 1.9434% | 676 |
| Return on Equity (ROE) | 10.8977% | 1,847 |
| Retained earnings to average equity (ytd only) | 8.7091% | 1,223 |
| Net charge-offs to loans | 0.1743% | 2,726 |
| Credit loss provision to net charge-offs | 129.6804% | 1,745 |
| Earnings coverage of net charge-offs (x) | 16.9372% | 1,633 |
| Efficiency ratio | 59.3031% | 5,568 |
| Assets per employee ($millions) | 3.2368% | 5,398 |
| Cash dividends to net income (ytd only)* | 20.0833% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,037 |
| Loan loss allowance to noncurrent loans | 240.6262% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 5,242 |
| Noncurrent loans to loans | 0.4948% | 5,027 |
| Net loans and leases to total assets | 71.7256% | 1,620 |
| Net loans and leases to deposits | 83.2182% | 1,898 |
| Net loans and leases to core deposits | 87.1152% | 2,219 |
| Total domestic deposits to total assets | 86.1897% | 3,270 |
| Equity capital to assets | 11.4741% | 2,323 |
| Core capital (leverage) ratio | 10.6011% | 2,764 |
| Tier 1 risk-based capital ratio | 15.5044% | 3,480 |
| Total risk-based capital ratio | 16.7558% | 3,432 |
| Memoranda: | ||
| Average total assets | $1,410,033,330 | 476 |
| Average earning assets | $1,291,255,330 | 474 |
| Average equity | $158,546,670 | 473 |
| Average total loans | $1,005,106,000 | 424 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 1,847 |
| Cost of funding earning assets | 0.3541% | 5,492 |
| Net interest margin | 4.2383% | 1,104 |
| Noninterest income to average assets | 1.3883% | 799 |
| Noninterest expense to average assets | 3.2676% | 2,169 |
| Loan and lease loss provision to assets | 0.1084% | 2,885 |
| Net operating income to assets | 1.1932% | 1,540 |
| Return on assets (ROA) | 1.1932% | 1,650 |
| Pretax return on assets | 1.8898% | 750 |
| Return on Equity (ROE) | 10.7208% | 1,781 |
| Retained earnings to average equity (ytd only) | 10.7208% | 932 |
| Net charge-offs to loans | 0.1114% | 2,765 |
| Credit loss provision to net charge-offs | 137.7698% | 1,452 |
| Earnings coverage of net charge-offs (x) | 25.3849% | 1,053 |
| Efficiency ratio | 60.4990% | 5,520 |
| Assets per employee ($millions) | 3.3121% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,185 |
| Loan loss allowance to noncurrent loans | 253.5321% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 5,369 |
| Noncurrent loans to loans | 0.4726% | 5,237 |
| Net loans and leases to total assets | 69.7206% | 1,709 |
| Net loans and leases to deposits | 80.6871% | 1,993 |
| Net loans and leases to core deposits | 84.4822% | 2,266 |
| Total domestic deposits to total assets | 86.4086% | 3,298 |
| Equity capital to assets | 11.2255% | 2,711 |
| Core capital (leverage) ratio | 10.4842% | 2,801 |
| Tier 1 risk-based capital ratio | 15.4124% | 3,585 |
| Total risk-based capital ratio | 16.6628% | 3,540 |
| Memoranda: | ||
| Average total assets | $1,412,666,500 | 478 |
| Average earning assets | $1,292,415,000 | 475 |
| Average equity | $157,227,500 | 480 |
| Average total loans | $997,799,500 | 428 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 1,308 |
| Cost of funding earning assets | 0.4389% | 5,657 |
| Net interest margin | 4.6641% | 699 |
| Noninterest income to average assets | 1.5064% | 693 |
| Noninterest expense to average assets | 3.4634% | 1,917 |
| Loan and lease loss provision to assets | 0.1825% | 3,353 |
| Net operating income to assets | 1.3372% | 1,219 |
| Return on assets (ROA) | 1.3372% | 1,344 |
| Pretax return on assets | 2.0966% | 495 |
| Return on Equity (ROE) | 12.1522% | 1,467 |
| Retained earnings to average equity (ytd only) | 9.1779% | 772 |
| Net charge-offs to loans | 0.2131% | 3,682 |
| Credit loss provision to net charge-offs | 116.6588% | 2,473 |
| Earnings coverage of net charge-offs (x) | 14.5715% | 1,724 |
| Efficiency ratio | 58.8067% | 5,726 |
| Assets per employee ($millions) | 3.2815% | 5,451 |
| Cash dividends to net income (ytd only)* | 24.4756% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 5,140 |
| Loan loss allowance to noncurrent loans | 273.0866% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 5,484 |
| Noncurrent loans to loans | 0.4372% | 5,406 |
| Net loans and leases to total assets | 69.8549% | 1,873 |
| Net loans and leases to deposits | 80.6764% | 2,192 |
| Net loans and leases to core deposits | 84.5829% | 2,479 |
| Total domestic deposits to total assets | 86.5864% | 3,045 |
| Equity capital to assets | 11.0335% | 2,908 |
| Core capital (leverage) ratio | 10.2517% | 3,075 |
| Tier 1 risk-based capital ratio | 15.1395% | 3,645 |
| Total risk-based capital ratio | 16.3899% | 3,594 |
| Memoranda: | ||
| Average total assets | $1,354,789,600 | 493 |
| Average earning assets | $1,230,452,000 | 488 |
| Average equity | $149,076,000 | 487 |
| Average total loans | $994,560,000 | 424 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1541% | 1,289 |
| Cost of funding earning assets | 0.4559% | 5,753 |
| Net interest margin | 4.6982% | 675 |
| Noninterest income to average assets | 1.4979% | 668 |
| Noninterest expense to average assets | 3.4835% | 1,798 |
| Loan and lease loss provision to assets | 0.1957% | 3,130 |
| Net operating income to assets | 1.3580% | 1,311 |
| Return on assets (ROA) | 1.3580% | 1,447 |
| Pretax return on assets | 2.0855% | 590 |
| Return on Equity (ROE) | 12.3502% | 1,516 |
| Retained earnings to average equity (ytd only) | 10.8281% | 712 |
| Net charge-offs to loans | 0.1990% | 3,536 |
| Credit loss provision to net charge-offs | 132.6819% | 2,177 |
| Earnings coverage of net charge-offs (x) | 15.4670% | 1,757 |
| Efficiency ratio | 58.9073% | 5,676 |
| Assets per employee ($millions) | 3.1755% | 5,683 |
| Cash dividends to net income (ytd only)* | 12.3244% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 5,296 |
| Loan loss allowance to noncurrent loans | 198.9073% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 5,308 |
| Noncurrent loans to loans | 0.6018% | 5,234 |
| Net loans and leases to total assets | 72.9587% | 1,397 |
| Net loans and leases to deposits | 84.8840% | 1,750 |
| Net loans and leases to core deposits | 89.2945% | 2,070 |
| Total domestic deposits to total assets | 85.9511% | 3,282 |
| Equity capital to assets | 11.3217% | 2,912 |
| Core capital (leverage) ratio | 10.3963% | 3,040 |
| Tier 1 risk-based capital ratio | 14.8826% | 3,932 |
| Total risk-based capital ratio | 16.1331% | 3,887 |
| Memoranda: | ||
| Average total assets | $1,341,546,250 | 498 |
| Average earning assets | $1,218,344,750 | 493 |
| Average equity | $147,513,750 | 490 |
| Average total loans | $994,381,750 | 425 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 1,296 |
| Cost of funding earning assets | 0.4746% | 5,799 |
| Net interest margin | 4.7113% | 660 |
| Noninterest income to average assets | 1.4999% | 651 |
| Noninterest expense to average assets | 3.5370% | 1,707 |
| Loan and lease loss provision to assets | 0.2137% | 2,938 |
| Net operating income to assets | 1.3054% | 1,425 |
| Return on assets (ROA) | 1.3054% | 1,577 |
| Pretax return on assets | 2.0199% | 671 |
| Return on Equity (ROE) | 11.9923% | 1,670 |
| Retained earnings to average equity (ytd only) | 9.6758% | 1,068 |
| Net charge-offs to loans | 0.2040% | 3,351 |
| Credit loss provision to net charge-offs | 141.1474% | 1,959 |
| Earnings coverage of net charge-offs (x) | 14.7547% | 1,690 |
| Efficiency ratio | 59.7576% | 5,616 |
| Assets per employee ($millions) | 3.1183% | 5,803 |
| Cash dividends to net income (ytd only)* | 19.3164% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 5,363 |
| Loan loss allowance to noncurrent loans | 230.9551% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 5,511 |
| Noncurrent loans to loans | 0.5186% | 5,490 |
| Net loans and leases to total assets | 73.8260% | 1,277 |
| Net loans and leases to deposits | 85.1564% | 1,704 |
| Net loans and leases to core deposits | 89.0941% | 2,087 |
| Total domestic deposits to total assets | 86.6946% | 2,960 |
| Equity capital to assets | 11.1382% | 2,978 |
| Core capital (leverage) ratio | 10.0991% | 3,280 |
| Tier 1 risk-based capital ratio | 14.2112% | 4,297 |
| Total risk-based capital ratio | 15.4616% | 4,262 |
| Memoranda: | ||
| Average total assets | $1,335,691,000 | 504 |
| Average earning assets | $1,210,796,670 | 502 |
| Average equity | $145,393,330 | 494 |
| Average total loans | $991,307,330 | 423 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1839% | 1,350 |
| Cost of funding earning assets | 0.4941% | 5,853 |
| Net interest margin | 4.6898% | 696 |
| Noninterest income to average assets | 1.4827% | 658 |
| Noninterest expense to average assets | 3.4431% | 1,902 |
| Loan and lease loss provision to assets | 0.1991% | 2,947 |
| Net operating income to assets | 1.3234% | 1,390 |
| Return on assets (ROA) | 1.3234% | 1,557 |
| Pretax return on assets | 2.0823% | 654 |
| Return on Equity (ROE) | 12.3008% | 1,582 |
| Retained earnings to average equity (ytd only) | 12.3008% | 778 |
| Net charge-offs to loans | 0.1457% | 3,222 |
| Credit loss provision to net charge-offs | 184.7222% | 1,420 |
| Earnings coverage of net charge-offs (x) | 21.1694% | 1,160 |
| Efficiency ratio | 58.5630% | 5,839 |
| Assets per employee ($millions) | 3.1482% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 5,509 |
| Loan loss allowance to noncurrent loans | 200.4404% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 5,532 |
| Noncurrent loans to loans | 0.5959% | 5,469 |
| Net loans and leases to total assets | 72.8176% | 1,253 |
| Net loans and leases to deposits | 83.9760% | 1,667 |
| Net loans and leases to core deposits | 87.9677% | 2,055 |
| Total domestic deposits to total assets | 86.7124% | 3,111 |
| Equity capital to assets | 10.8558% | 3,078 |
| Core capital (leverage) ratio | 9.9195% | 3,471 |
| Tier 1 risk-based capital ratio | 14.1456% | 4,361 |
| Total risk-based capital ratio | 15.3961% | 4,325 |
| Memoranda: | ||
| Average total assets | $1,336,218,500 | 502 |
| Average earning assets | $1,208,587,000 | 498 |
| Average equity | $143,763,000 | 497 |
| Average total loans | $988,334,000 | 422 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3009% | 1,693 |
| Cost of funding earning assets | 0.6013% | 6,085 |
| Net interest margin | 4.6996% | 755 |
| Noninterest income to average assets | 1.5269% | 564 |
| Noninterest expense to average assets | 3.5924% | 1,761 |
| Loan and lease loss provision to assets | 0.2815% | 3,417 |
| Net operating income to assets | 1.2110% | 1,483 |
| Return on assets (ROA) | 1.2109% | 1,591 |
| Pretax return on assets | 1.8985% | 666 |
| Return on Equity (ROE) | 11.4752% | 1,566 |
| Retained earnings to average equity (ytd only) | 9.1423% | 763 |
| Net charge-offs to loans | 0.2673% | 4,095 |
| Credit loss provision to net charge-offs | 143.1566% | 2,029 |
| Earnings coverage of net charge-offs (x) | 11.0874% | 1,761 |
| Efficiency ratio | 60.2070% | 5,722 |
| Assets per employee ($millions) | 3.1250% | 5,856 |
| Cash dividends to net income (ytd only)* | 20.3302% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 5,537 |
| Loan loss allowance to noncurrent loans | 280.0340% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 5,844 |
| Noncurrent loans to loans | 0.4176% | 5,881 |
| Net loans and leases to total assets | 73.3673% | 1,381 |
| Net loans and leases to deposits | 84.4412% | 1,867 |
| Net loans and leases to core deposits | 88.5477% | 2,314 |
| Total domestic deposits to total assets | 86.8856% | 2,824 |
| Equity capital to assets | 10.6609% | 3,353 |
| Core capital (leverage) ratio | 9.6147% | 3,842 |
| Tier 1 risk-based capital ratio | 13.8921% | 4,404 |
| Total risk-based capital ratio | 15.1436% | 4,363 |
| Memoranda: | ||
| Average total assets | $1,285,626,800 | 507 |
| Average earning assets | $1,161,453,000 | 510 |
| Average equity | $135,666,400 | 512 |
| Average total loans | $945,715,600 | 445 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2972% | 1,869 |
| Cost of funding earning assets | 0.6221% | 6,175 |
| Net interest margin | 4.6752% | 806 |
| Noninterest income to average assets | 1.5193% | 568 |
| Noninterest expense to average assets | 3.5833% | 1,744 |
| Loan and lease loss provision to assets | 0.2586% | 3,435 |
| Net operating income to assets | 1.2122% | 1,622 |
| Return on assets (ROA) | 1.2121% | 1,728 |
| Pretax return on assets | 1.9078% | 768 |
| Return on Equity (ROE) | 11.5171% | 1,683 |
| Retained earnings to average equity (ytd only) | 9.9949% | 846 |
| Net charge-offs to loans | 0.2612% | 3,802 |
| Credit loss provision to net charge-offs | 134.9154% | 2,363 |
| Earnings coverage of net charge-offs (x) | 11.3033% | 1,821 |
| Efficiency ratio | 60.2073% | 5,685 |
| Assets per employee ($millions) | 3.0564% | 5,997 |
| Cash dividends to net income (ytd only)* | 13.2172% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 5,656 |
| Loan loss allowance to noncurrent loans | 241.9834% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 5,830 |
| Noncurrent loans to loans | 0.4776% | 5,894 |
| Net loans and leases to total assets | 72.7633% | 1,554 |
| Net loans and leases to deposits | 84.2102% | 1,968 |
| Net loans and leases to core deposits | 89.5398% | 2,307 |
| Total domestic deposits to total assets | 86.4067% | 2,982 |
| Equity capital to assets | 10.7260% | 3,446 |
| Core capital (leverage) ratio | 9.5988% | 3,993 |
| Tier 1 risk-based capital ratio | 14.1994% | 4,205 |
| Total risk-based capital ratio | 15.4509% | 4,170 |
| Memoranda: | ||
| Average total assets | $1,274,997,750 | 514 |
| Average earning assets | $1,153,753,000 | 518 |
| Average equity | $134,185,000 | 524 |
| Average total loans | $935,656,750 | 451 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 1,839 |
| Cost of funding earning assets | 0.6432% | 6,258 |
| Net interest margin | 4.6715% | 779 |
| Noninterest income to average assets | 1.4940% | 579 |
| Noninterest expense to average assets | 3.6580% | 1,610 |
| Loan and lease loss provision to assets | 0.2684% | 3,251 |
| Net operating income to assets | 1.1339% | 1,777 |
| Return on assets (ROA) | 1.1337% | 1,854 |
| Pretax return on assets | 1.7898% | 900 |
| Return on Equity (ROE) | 10.8431% | 1,848 |
| Retained earnings to average equity (ytd only) | 8.5282% | 1,256 |
| Net charge-offs to loans | 0.2388% | 3,693 |
| Credit loss provision to net charge-offs | 153.3394% | 1,990 |
| Earnings coverage of net charge-offs (x) | 11.7599% | 1,679 |
| Efficiency ratio | 61.8295% | 5,609 |
| Assets per employee ($millions) | 3.0700% | 5,932 |
| Cash dividends to net income (ytd only)* | 21.3489% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 5,660 |
| Loan loss allowance to noncurrent loans | 170.4373% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 5,417 |
| Noncurrent loans to loans | 0.6883% | 5,530 |
| Net loans and leases to total assets | 71.8886% | 1,807 |
| Net loans and leases to deposits | 82.3967% | 2,392 |
| Net loans and leases to core deposits | 87.3705% | 2,721 |
| Total domestic deposits to total assets | 87.2470% | 2,599 |
| Equity capital to assets | 10.4558% | 3,562 |
| Core capital (leverage) ratio | 9.3562% | 4,165 |
| Tier 1 risk-based capital ratio | 13.9294% | 4,222 |
| Total risk-based capital ratio | 15.1800% | 4,189 |
| Memoranda: | ||
| Average total assets | $1,265,983,670 | 524 |
| Average earning assets | $1,144,308,000 | 523 |
| Average equity | $132,361,000 | 528 |
| Average total loans | $928,047,330 | 460 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3351% | 1,767 |
| Cost of funding earning assets | 0.6607% | 6,343 |
| Net interest margin | 4.6744% | 744 |
| Noninterest income to average assets | 1.4662% | 596 |
| Noninterest expense to average assets | 3.6672% | 1,608 |
| Loan and lease loss provision to assets | 0.3704% | 2,337 |
| Net operating income to assets | 1.0436% | 2,024 |
| Return on assets (ROA) | 1.0432% | 2,082 |
| Pretax return on assets | 1.6524% | 1,075 |
| Return on Equity (ROE) | 9.9777% | 2,102 |
| Retained earnings to average equity (ytd only) | 9.9777% | 1,117 |
| Net charge-offs to loans | 0.2009% | 3,303 |
| Credit loss provision to net charge-offs | 250.5400% | 1,243 |
| Earnings coverage of net charge-offs (x) | 13.6868% | 1,417 |
| Efficiency ratio | 62.2489% | 5,642 |
| Assets per employee ($millions) | 2.9657% | 6,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 5,570 |
| Loan loss allowance to noncurrent loans | 167.3430% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7752% | 5,359 |
| Noncurrent loans to loans | 0.7246% | 5,559 |
| Net loans and leases to total assets | 71.9697% | 1,729 |
| Net loans and leases to deposits | 82.9187% | 2,193 |
| Net loans and leases to core deposits | 87.7155% | 2,638 |
| Total domestic deposits to total assets | 86.7954% | 3,062 |
| Equity capital to assets | 10.5181% | 3,160 |
| Core capital (leverage) ratio | 9.3051% | 4,118 |
| Tier 1 risk-based capital ratio | 13.7171% | 4,263 |
| Total risk-based capital ratio | 14.9681% | 4,235 |
| Memoranda: | ||
| Average total assets | $1,252,737,000 | 531 |
| Average earning assets | $1,132,128,000 | 534 |
| Average equity | $130,972,000 | 531 |
| Average total loans | $921,984,500 | 473 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7801% | 1,329 |
| Cost of funding earning assets | 0.7886% | 6,618 |
| Net interest margin | 4.9916% | 437 |
| Noninterest income to average assets | 1.7055% | 510 |
| Noninterest expense to average assets | 3.9561% | 1,229 |
| Loan and lease loss provision to assets | 0.3820% | 3,823 |
| Net operating income to assets | 1.1662% | 1,494 |
| Return on assets (ROA) | 1.1664% | 1,572 |
| Pretax return on assets | 1.8378% | 705 |
| Return on Equity (ROE) | 11.1991% | 1,526 |
| Retained earnings to average equity (ytd only) | 6.1796% | 1,728 |
| Net charge-offs to loans | 0.3227% | 4,400 |
| Credit loss provision to net charge-offs | 156.9030% | 2,248 |
| Earnings coverage of net charge-offs (x) | 9.1168% | 1,872 |
| Efficiency ratio | 61.8478% | 5,751 |
| Assets per employee ($millions) | 2.9295% | 6,249 |
| Cash dividends to net income (ytd only)* | 44.8209% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 5,837 |
| Loan loss allowance to noncurrent loans | 202.2476% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 5,700 |
| Noncurrent loans to loans | 0.5575% | 5,935 |
| Net loans and leases to total assets | 73.5129% | 1,765 |
| Net loans and leases to deposits | 84.6081% | 2,357 |
| Net loans and leases to core deposits | 90.5112% | 2,690 |
| Total domestic deposits to total assets | 86.8864% | 2,885 |
| Equity capital to assets | 10.3909% | 3,281 |
| Core capital (leverage) ratio | 9.1737% | 4,225 |
| Tier 1 risk-based capital ratio | 12.9501% | 4,634 |
| Total risk-based capital ratio | 14.1697% | 4,643 |
| Memoranda: | ||
| Average total assets | $1,100,840,000 | 606 |
| Average earning assets | $985,825,600 | 607 |
| Average equity | $114,652,200 | 589 |
| Average total loans | $830,613,400 | 533 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 1,323 |
| Cost of funding earning assets | 0.8099% | 6,728 |
| Net interest margin | 5.0167% | 425 |
| Noninterest income to average assets | 1.8197% | 442 |
| Noninterest expense to average assets | 3.9372% | 1,144 |
| Loan and lease loss provision to assets | 0.4336% | 3,311 |
| Net operating income to assets | 1.2309% | 1,514 |
| Return on assets (ROA) | 1.2311% | 1,589 |
| Pretax return on assets | 1.9290% | 729 |
| Return on Equity (ROE) | 11.8129% | 1,558 |
| Retained earnings to average equity (ytd only) | 10.3507% | 714 |
| Net charge-offs to loans | 0.3307% | 4,009 |
| Credit loss provision to net charge-offs | 173.0635% | 2,126 |
| Earnings coverage of net charge-offs (x) | 9.4278% | 2,025 |
| Efficiency ratio | 60.2886% | 5,907 |
| Assets per employee ($millions) | 2.9076% | 6,356 |
| Cash dividends to net income (ytd only)* | 12.3780% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,887 |
| Loan loss allowance to noncurrent loans | 273.6115% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 5,957 |
| Noncurrent loans to loans | 0.4068% | 6,387 |
| Net loans and leases to total assets | 73.6628% | 1,874 |
| Net loans and leases to deposits | 85.2745% | 2,471 |
| Net loans and leases to core deposits | 91.1015% | 2,939 |
| Total domestic deposits to total assets | 86.3831% | 2,866 |
| Equity capital to assets | 10.4746% | 3,547 |
| Core capital (leverage) ratio | 9.2072% | 4,356 |
| Tier 1 risk-based capital ratio | 13.0427% | 4,548 |
| Total risk-based capital ratio | 14.2785% | 4,533 |
| Memoranda: | ||
| Average total assets | $1,064,786,750 | 623 |
| Average earning assets | $950,833,000 | 628 |
| Average equity | $110,972,250 | 597 |
| Average total loans | $806,838,500 | 543 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8979% | 1,192 |
| Cost of funding earning assets | 0.8415% | 6,781 |
| Net interest margin | 5.0563% | 372 |
| Noninterest income to average assets | 1.7899% | 418 |
| Noninterest expense to average assets | 3.9077% | 1,173 |
| Loan and lease loss provision to assets | 0.4517% | 3,064 |
| Net operating income to assets | 1.2306% | 1,481 |
| Return on assets (ROA) | 1.2309% | 1,544 |
| Pretax return on assets | 1.9384% | 689 |
| Return on Equity (ROE) | 11.8316% | 1,493 |
| Retained earnings to average equity (ytd only) | 9.6105% | 941 |
| Net charge-offs to loans | 0.3196% | 3,723 |
| Credit loss provision to net charge-offs | 185.4248% | 2,123 |
| Earnings coverage of net charge-offs (x) | 9.8090% | 1,971 |
| Efficiency ratio | 59.8173% | 6,077 |
| Assets per employee ($millions) | 2.8279% | 6,513 |
| Cash dividends to net income (ytd only)* | 18.7722% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 5,989 |
| Loan loss allowance to noncurrent loans | 197.2936% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 5,840 |
| Noncurrent loans to loans | 0.5522% | 6,145 |
| Net loans and leases to total assets | 74.6964% | 1,768 |
| Net loans and leases to deposits | 86.1490% | 2,483 |
| Net loans and leases to core deposits | 92.2257% | 2,952 |
| Total domestic deposits to total assets | 86.7061% | 2,701 |
| Equity capital to assets | 10.5299% | 3,373 |
| Core capital (leverage) ratio | 8.9509% | 4,681 |
| Tier 1 risk-based capital ratio | 12.8034% | 4,603 |
| Total risk-based capital ratio | 14.0180% | 4,599 |
| Memoranda: | ||
| Average total assets | $1,053,352,000 | 631 |
| Average earning assets | $938,982,670 | 637 |
| Average equity | $109,588,000 | 602 |
| Average total loans | $802,873,000 | 548 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9065% | 1,191 |
| Cost of funding earning assets | 0.8724% | 6,863 |
| Net interest margin | 5.0340% | 390 |
| Noninterest income to average assets | 1.7570% | 415 |
| Noninterest expense to average assets | 3.8661% | 1,220 |
| Loan and lease loss provision to assets | 0.4094% | 2,915 |
| Net operating income to assets | 1.2488% | 1,406 |
| Return on assets (ROA) | 1.2495% | 1,477 |
| Pretax return on assets | 1.9626% | 651 |
| Return on Equity (ROE) | 12.0848% | 1,479 |
| Retained earnings to average equity (ytd only) | 12.0848% | 735 |
| Net charge-offs to loans | 0.3453% | 3,028 |
| Credit loss provision to net charge-offs | 154.8341% | 2,312 |
| Earnings coverage of net charge-offs (x) | 8.9668% | 1,908 |
| Efficiency ratio | 59.7174% | 6,224 |
| Assets per employee ($millions) | 2.7561% | 6,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,490 |
| Loan loss allowance to noncurrent loans | 212.5993% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 5,939 |
| Noncurrent loans to loans | 0.4691% | 6,358 |
| Net loans and leases to total assets | 75.5351% | 1,638 |
| Net loans and leases to deposits | 87.3465% | 2,344 |
| Net loans and leases to core deposits | 92.9483% | 2,985 |
| Total domestic deposits to total assets | 86.4775% | 2,908 |
| Equity capital to assets | 10.4276% | 3,318 |
| Core capital (leverage) ratio | 8.8893% | 4,742 |
| Tier 1 risk-based capital ratio | 12.5511% | 4,695 |
| Total risk-based capital ratio | 13.6685% | 4,770 |
| Memoranda: | ||
| Average total assets | $1,048,383,500 | 648 |
| Average earning assets | $933,009,500 | 659 |
| Average equity | $108,400,500 | 609 |
| Average total loans | $802,816,000 | 565 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0979% | 1,521 |
| Cost of funding earning assets | 1.1791% | 6,736 |
| Net interest margin | 4.9188% | 537 |
| Noninterest income to average assets | 1.8824% | 416 |
| Noninterest expense to average assets | 3.9015% | 1,509 |
| Loan and lease loss provision to assets | 0.5003% | 3,873 |
| Net operating income to assets | 1.1830% | 1,296 |
| Return on assets (ROA) | 1.1830% | 1,338 |
| Pretax return on assets | 1.8619% | 556 |
| Return on Equity (ROE) | 12.1953% | 1,111 |
| Retained earnings to average equity (ytd only) | 10.0931% | 366 |
| Net charge-offs to loans | 0.3698% | 4,366 |
| Credit loss provision to net charge-offs | 179.5813% | 2,320 |
| Earnings coverage of net charge-offs (x) | 8.4791% | 1,940 |
| Efficiency ratio | 60.0226% | 6,491 |
| Assets per employee ($millions) | 2.7544% | 6,744 |
| Cash dividends to net income (ytd only)* | 17.2378% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 6,605 |
| Loan loss allowance to noncurrent loans | 239.9498% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 5,920 |
| Noncurrent loans to loans | 0.3985% | 6,479 |
| Net loans and leases to total assets | 76.1261% | 1,760 |
| Net loans and leases to deposits | 87.5818% | 2,632 |
| Net loans and leases to core deposits | 106.8761% | 3,227 |
| Total domestic deposits to total assets | 86.9200% | 2,554 |
| Equity capital to assets | 10.2507% | 3,459 |
| Core capital (leverage) ratio | 8.4042% | 5,429 |
| Tier 1 risk-based capital ratio | 11.8767% | 5,057 |
| Total risk-based capital ratio | 12.9417% | 5,164 |
| Memoranda: | ||
| Average total assets | $1,045,988,400 | 645 |
| Average earning assets | $931,667,200 | 651 |
| Average equity | $101,465,000 | 645 |
| Average total loans | $788,007,600 | 581 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0814% | 1,717 |
| Cost of funding earning assets | 1.2476% | 6,737 |
| Net interest margin | 4.8338% | 646 |
| Noninterest income to average assets | 1.9302% | 399 |
| Noninterest expense to average assets | 3.9528% | 1,343 |
| Loan and lease loss provision to assets | 0.5364% | 3,241 |
| Net operating income to assets | 1.1097% | 1,711 |
| Return on assets (ROA) | 1.1097% | 1,767 |
| Pretax return on assets | 1.7485% | 882 |
| Return on Equity (ROE) | 11.6037% | 1,467 |
| Retained earnings to average equity (ytd only) | 10.2511% | 588 |
| Net charge-offs to loans | 0.3331% | 3,968 |
| Credit loss provision to net charge-offs | 214.8394% | 2,041 |
| Earnings coverage of net charge-offs (x) | 9.1515% | 2,143 |
| Efficiency ratio | 61.0977% | 6,256 |
| Assets per employee ($millions) | 2.7518% | 6,729 |
| Cash dividends to net income (ytd only)* | 11.6567% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 6,486 |
| Loan loss allowance to noncurrent loans | 219.4099% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 5,753 |
| Noncurrent loans to loans | 0.4377% | 6,455 |
| Net loans and leases to total assets | 75.6034% | 2,076 |
| Net loans and leases to deposits | 87.2053% | 3,109 |
| Net loans and leases to core deposits | 106.5422% | 3,639 |
| Total domestic deposits to total assets | 86.6959% | 2,331 |
| Equity capital to assets | 10.0879% | 3,972 |
| Core capital (leverage) ratio | 8.1877% | 6,038 |
| Tier 1 risk-based capital ratio | 12.0080% | 4,969 |
| Total risk-based capital ratio | 13.1289% | 5,016 |
| Memoranda: | ||
| Average total assets | $1,047,193,250 | 654 |
| Average earning assets | $933,187,500 | 664 |
| Average equity | $100,149,500 | 663 |
| Average total loans | $784,946,250 | 600 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1100% | 1,760 |
| Cost of funding earning assets | 1.3101% | 6,772 |
| Net interest margin | 4.7999% | 652 |
| Noninterest income to average assets | 1.7923% | 457 |
| Noninterest expense to average assets | 3.9790% | 1,351 |
| Loan and lease loss provision to assets | 0.4877% | 3,095 |
| Net operating income to assets | 1.0156% | 2,054 |
| Return on assets (ROA) | 1.0156% | 2,141 |
| Pretax return on assets | 1.6021% | 1,199 |
| Return on Equity (ROE) | 10.8143% | 1,753 |
| Retained earnings to average equity (ytd only) | 8.7564% | 996 |
| Net charge-offs to loans | 0.1951% | 4,321 |
| Credit loss provision to net charge-offs | 335.6021% | 1,381 |
| Earnings coverage of net charge-offs (x) | 14.3796% | 1,657 |
| Efficiency ratio | 63.2386% | 6,048 |
| Assets per employee ($millions) | 2.7975% | 6,630 |
| Cash dividends to net income (ytd only)* | 19.0298% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 6,813 |
| Loan loss allowance to noncurrent loans | 254.3866% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 5,840 |
| Noncurrent loans to loans | 0.3502% | 6,637 |
| Net loans and leases to total assets | 76.0510% | 2,171 |
| Net loans and leases to deposits | 87.4722% | 3,268 |
| Net loans and leases to core deposits | 107.7661% | 3,634 |
| Total domestic deposits to total assets | 86.9431% | 2,282 |
| Equity capital to assets | 9.6410% | 4,439 |
| Core capital (leverage) ratio | 7.6539% | 6,818 |
| Tier 1 risk-based capital ratio | 11.5157% | 5,360 |
| Total risk-based capital ratio | 12.5759% | 5,470 |
| Memoranda: | ||
| Average total assets | $1,051,360,000 | 663 |
| Average earning assets | $936,719,670 | 672 |
| Average equity | $98,739,670 | 681 |
| Average total loans | $783,312,330 | 621 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1520% | 1,754 |
| Cost of funding earning assets | 1.3700% | 6,818 |
| Net interest margin | 4.7819% | 635 |
| Noninterest income to average assets | 1.6901% | 475 |
| Noninterest expense to average assets | 3.9985% | 1,189 |
| Loan and lease loss provision to assets | 0.5921% | 2,128 |
| Net operating income to assets | 0.8634% | 2,867 |
| Return on assets (ROA) | 0.8634% | 3,016 |
| Pretax return on assets | 1.3623% | 2,076 |
| Return on Equity (ROE) | 9.3161% | 2,609 |
| Retained earnings to average equity (ytd only) | 9.3161% | 1,396 |
| Net charge-offs to loans | 0.2040% | 3,410 |
| Credit loss provision to net charge-offs | 395.4430% | 1,310 |
| Earnings coverage of net charge-offs (x) | 13.0532% | 1,760 |
| Efficiency ratio | 64.8074% | 5,542 |
| Assets per employee ($millions) | 2.8597% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 7,057 |
| Loan loss allowance to noncurrent loans | 374.4240% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 5,995 |
| Noncurrent loans to loans | 0.2208% | 6,901 |
| Net loans and leases to total assets | 73.2932% | 2,940 |
| Net loans and leases to deposits | 84.4037% | 3,912 |
| Net loans and leases to core deposits | 103.3797% | 4,205 |
| Total domestic deposits to total assets | 86.8364% | 2,301 |
| Equity capital to assets | 9.3289% | 4,895 |
| Core capital (leverage) ratio | 7.5375% | 7,108 |
| Tier 1 risk-based capital ratio | 11.1670% | 5,735 |
| Total risk-based capital ratio | 12.1253% | 5,925 |
| Memoranda: | ||
| Average total assets | $1,055,307,500 | 661 |
| Average earning assets | $940,707,000 | 669 |
| Average equity | $97,809,500 | 686 |
| Average total loans | $774,619,000 | 637 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7746% | 1,769 |
| Cost of funding earning assets | 1.9709% | 6,504 |
| Net interest margin | 4.8037% | 779 |
| Noninterest income to average assets | 1.8603% | 391 |
| Noninterest expense to average assets | 3.7846% | 1,782 |
| Loan and lease loss provision to assets | 0.3727% | 3,446 |
| Net operating income to assets | 1.2648% | 1,583 |
| Return on assets (ROA) | 1.2648% | 1,532 |
| Pretax return on assets | 1.9668% | 670 |
| Return on Equity (ROE) | 13.7525% | 1,157 |
| Retained earnings to average equity (ytd only) | 11.4226% | 279 |
| Net charge-offs to loans | 0.4352% | 2,652 |
| Credit loss provision to net charge-offs | 118.7237% | 4,540 |
| Earnings coverage of net charge-offs (x) | 7.4525% | 3,108 |
| Efficiency ratio | 59.6536% | 6,412 |
| Assets per employee ($millions) | 2.7841% | 6,597 |
| Cash dividends to net income (ytd only)* | 16.9414% | 4,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6989% | 7,424 |
| Loan loss allowance to noncurrent loans | 237.0222% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 5,641 |
| Noncurrent loans to loans | 0.2949% | 6,495 |
| Net loans and leases to total assets | 72.3826% | 3,505 |
| Net loans and leases to deposits | 82.9983% | 4,574 |
| Net loans and leases to core deposits | 101.0215% | 4,719 |
| Total domestic deposits to total assets | 87.2098% | 1,833 |
| Equity capital to assets | 9.2068% | 5,067 |
| Core capital (leverage) ratio | 7.3619% | 7,347 |
| Tier 1 risk-based capital ratio | 11.1940% | 5,543 |
| Total risk-based capital ratio | 11.9962% | 5,870 |
| Memoranda: | ||
| Average total assets | $983,333,000 | 668 |
| Average earning assets | $872,833,200 | 693 |
| Average equity | $90,434,600 | 737 |
| Average total loans | $709,338,200 | 673 |