Home > Fidelity Bank > Performance and Condition Ratios
Fidelity Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0085% | 627 |
| Cost of funding earning assets | 2.7424% | 232 |
| Net interest margin | 3.2661% | 2,718 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.7713% | 1,574 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.5779% | 3,500 |
| Return on assets (ROA) | 0.5802% | 3,484 |
| Pretax return on assets | 0.7379% | 3,361 |
| Return on Equity (ROE) | 6.0900% | 3,500 |
| Retained earnings to average equity (ytd only) | 0.1666% | 4,008 |
| Net charge-offs to loans | 0.0505% | 1,358 |
| Credit loss provision to net charge-offs | 368.0033% | 828 |
| Earnings coverage of net charge-offs (x) | 23.2283% | 1,796 |
| Efficiency ratio | 75.3464% | 1,318 |
| Assets per employee ($millions) | 6.9048% | 2,135 |
| Cash dividends to net income (ytd only)* | 97.2656% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 2,896 |
| Loan loss allowance to noncurrent loans | 463.7133% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 1,604 |
| Noncurrent loans to loans | 0.2350% | 2,371 |
| Net loans and leases to total assets | 76.2400% | 1,085 |
| Net loans and leases to deposits | 100.4108% | 514 |
| Net loans and leases to core deposits | 113.6207% | 824 |
| Total domestic deposits to total assets | 75.9300% | 3,949 |
| Equity capital to assets | 9.3531% | 2,452 |
| Core capital (leverage) ratio | 9.7327% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5414% | 2,706 |
| Memoranda: | ||
| Average total assets | $3,145,364,800 | 380 |
| Average earning assets | $2,815,485,000 | 381 |
| Average equity | $299,574,000 | 399 |
| Average total loans | $2,420,595,800 | 351 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9370% | 574 |
| Cost of funding earning assets | 2.5925% | 241 |
| Net interest margin | 3.3446% | 2,585 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.8187% | 1,391 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.6347% | 3,460 |
| Return on assets (ROA) | 0.6377% | 3,450 |
| Pretax return on assets | 0.8102% | 3,310 |
| Return on Equity (ROE) | 6.6700% | 3,508 |
| Retained earnings to average equity (ytd only) | 1.3270% | 3,885 |
| Net charge-offs to loans | 0.0653% | 1,015 |
| Credit loss provision to net charge-offs | 167.2312% | 1,242 |
| Earnings coverage of net charge-offs (x) | 19.1804% | 1,843 |
| Efficiency ratio | 74.4200% | 1,327 |
| Assets per employee ($millions) | 6.5927% | 2,251 |
| Cash dividends to net income (ytd only)* | 80.0908% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,412 |
| Loan loss allowance to noncurrent loans | 440.2529% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 1,704 |
| Noncurrent loans to loans | 0.2254% | 2,450 |
| Net loans and leases to total assets | 76.6700% | 1,036 |
| Net loans and leases to deposits | 95.4371% | 787 |
| Net loans and leases to core deposits | 109.3689% | 894 |
| Total domestic deposits to total assets | 80.3400% | 3,483 |
| Equity capital to assets | 9.3579% | 2,194 |
| Core capital (leverage) ratio | 9.9228% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6914% | 2,686 |
| Memoranda: | ||
| Average total assets | $3,132,476,250 | 385 |
| Average earning assets | $2,804,807,000 | 384 |
| Average equity | $299,714,500 | 397 |
| Average total loans | $2,409,691,000 | 356 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8595% | 528 |
| Cost of funding earning assets | 2.4260% | 218 |
| Net interest margin | 3.4335% | 2,435 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.8226% | 1,371 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.6814% | 3,379 |
| Return on assets (ROA) | 0.6860% | 3,372 |
| Pretax return on assets | 0.8710% | 3,233 |
| Return on Equity (ROE) | 7.1200% | 3,457 |
| Retained earnings to average equity (ytd only) | 3.1267% | 3,444 |
| Net charge-offs to loans | 0.0664% | 890 |
| Credit loss provision to net charge-offs | -21.1321% | 4,511 |
| Earnings coverage of net charge-offs (x) | 19.2730% | 1,745 |
| Efficiency ratio | 74.0855% | 1,337 |
| Assets per employee ($millions) | 6.5861% | 2,226 |
| Cash dividends to net income (ytd only)* | 56.0695% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 3,685 |
| Loan loss allowance to noncurrent loans | 483.4723% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 1,696 |
| Noncurrent loans to loans | 0.1925% | 2,504 |
| Net loans and leases to total assets | 76.4500% | 1,007 |
| Net loans and leases to deposits | 88.9433% | 1,264 |
| Net loans and leases to core deposits | 104.5875% | 1,031 |
| Total domestic deposits to total assets | 85.9600% | 2,239 |
| Equity capital to assets | 9.5535% | 2,126 |
| Core capital (leverage) ratio | 9.7509% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8436% | 2,672 |
| Memoranda: | ||
| Average total assets | $3,119,601,667 | 375 |
| Average earning assets | $2,790,924,000 | 376 |
| Average equity | $300,703,000 | 383 |
| Average total loans | $2,394,340,667 | 343 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 542 |
| Cost of funding earning assets | 0.7968% | 388 |
| Net interest margin | 3.8711% | 1,029 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 3.2076% | 714 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.9430% | 2,803 |
| Return on assets (ROA) | 0.9635% | 2,652 |
| Pretax return on assets | 1.1567% | 2,581 |
| Return on Equity (ROE) | 9.6400% | 2,926 |
| Retained earnings to average equity (ytd only) | 5.5912% | 2,791 |
| Net charge-offs to loans | 0.0203% | 1,684 |
| Credit loss provision to net charge-offs | -479.2494% | 4,630 |
| Earnings coverage of net charge-offs (x) | 67.8013% | 1,176 |
| Efficiency ratio | 75.1174% | 1,109 |
| Assets per employee ($millions) | 6.1950% | 2,598 |
| Cash dividends to net income (ytd only)* | 41.9748% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,374 |
| Loan loss allowance to noncurrent loans | 470.7351% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 2,233 |
| Noncurrent loans to loans | 0.2128% | 2,424 |
| Net loans and leases to total assets | 75.6400% | 1,037 |
| Net loans and leases to deposits | 88.1048% | 1,169 |
| Net loans and leases to core deposits | 100.2978% | 991 |
| Total domestic deposits to total assets | 85.8500% | 2,769 |
| Equity capital to assets | 9.6097% | 1,930 |
| Core capital (leverage) ratio | 10.0241% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9359% | 2,753 |
| Memoranda: | ||
| Average total assets | $2,905,201,600 | 405 |
| Average earning assets | $2,571,806,000 | 405 |
| Average equity | $290,510,400 | 395 |
| Average total loans | $2,235,090,400 | 348 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 578 |
| Cost of funding earning assets | 0.4787% | 846 |
| Net interest margin | 3.9282% | 746 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 3.3208% | 580 |
| Loan and lease loss provision to assets | -0.1400% | 4,624 |
| Net operating income to assets | 1.0070% | 2,458 |
| Return on assets (ROA) | 1.0300% | 2,334 |
| Pretax return on assets | 1.2126% | 2,320 |
| Return on Equity (ROE) | 10.1900% | 2,667 |
| Retained earnings to average equity (ytd only) | 6.0434% | 2,738 |
| Net charge-offs to loans | 0.0124% | 1,656 |
| Credit loss provision to net charge-offs | -1,434.1463% | 4,731 |
| Earnings coverage of net charge-offs (x) | 109.8000% | 896 |
| Efficiency ratio | 75.9071% | 1,086 |
| Assets per employee ($millions) | 6.0758% | 2,690 |
| Cash dividends to net income (ytd only)* | 40.7111% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,380 |
| Loan loss allowance to noncurrent loans | 449.2884% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 2,055 |
| Noncurrent loans to loans | 0.2273% | 2,477 |
| Net loans and leases to total assets | 75.4800% | 966 |
| Net loans and leases to deposits | 96.7473% | 512 |
| Net loans and leases to core deposits | 110.2999% | 460 |
| Total domestic deposits to total assets | 78.0200% | 4,256 |
| Equity capital to assets | 9.9063% | 1,669 |
| Core capital (leverage) ratio | 10.0874% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9157% | 2,843 |
| Memoranda: | ||
| Average total assets | $2,861,772,500 | 409 |
| Average earning assets | $2,527,945,250 | 412 |
| Average equity | $289,169,500 | 396 |
| Average total loans | $2,205,780,250 | 345 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 620 |
| Cost of funding earning assets | 0.2676% | 2,057 |
| Net interest margin | 3.9431% | 562 |
| Noninterest income to average assets | 1.0009% | 663 |
| Noninterest expense to average assets | 3.3144% | 536 |
| Loan and lease loss provision to assets | -0.2287% | 4,696 |
| Net operating income to assets | 1.2173% | 1,377 |
| Return on assets (ROA) | 1.2434% | 1,282 |
| Pretax return on assets | 1.4289% | 1,362 |
| Return on Equity (ROE) | 12.2222% | 1,610 |
| Retained earnings to average equity (ytd only) | 10.1378% | 976 |
| Net charge-offs to loans | 0.0027% | 1,982 |
| Credit loss provision to net charge-offs | -10,783.3333% | 3,856 |
| Earnings coverage of net charge-offs (x) | 551.8000% | 237 |
| Efficiency ratio | 73.8155% | 1,531 |
| Assets per employee ($millions) | 5.4667% | 3,262 |
| Cash dividends to net income (ytd only)* | 17.0542% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,359 |
| Loan loss allowance to noncurrent loans | 495.8469% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,182 |
| Noncurrent loans to loans | 0.2122% | 2,655 |
| Net loans and leases to total assets | 74.9758% | 821 |
| Net loans and leases to deposits | 93.5512% | 538 |
| Net loans and leases to core deposits | 104.3356% | 497 |
| Total domestic deposits to total assets | 80.1442% | 4,215 |
| Equity capital to assets | 10.4551% | 1,454 |
| Core capital (leverage) ratio | 10.3480% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4590% | 2,688 |
| Memoranda: | ||
| Average total assets | $2,829,387,000 | 407 |
| Average earning assets | $2,499,634,667 | 420 |
| Average equity | $287,852,333 | 400 |
| Average total loans | $2,188,854,000 | 338 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 623 |
| Cost of funding earning assets | 0.1903% | 2,943 |
| Net interest margin | 3.9206% | 478 |
| Noninterest income to average assets | 1.1015% | 558 |
| Noninterest expense to average assets | 3.3859% | 475 |
| Loan and lease loss provision to assets | -0.3063% | 4,729 |
| Net operating income to assets | 1.4426% | 720 |
| Return on assets (ROA) | 1.4462% | 715 |
| Pretax return on assets | 1.4928% | 1,034 |
| Return on Equity (ROE) | 14.4191% | 753 |
| Retained earnings to average equity (ytd only) | 10.1556% | 986 |
| Net charge-offs to loans | -0.0069% | 3,460 |
| Credit loss provision to net charge-offs | 5,655.2632% | 84 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0212% | 1,740 |
| Assets per employee ($millions) | 5.1443% | 3,631 |
| Cash dividends to net income (ytd only)* | 29.5683% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,305 |
| Loan loss allowance to noncurrent loans | 310.3106% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 1,897 |
| Noncurrent loans to loans | 0.3562% | 2,204 |
| Net loans and leases to total assets | 77.2546% | 432 |
| Net loans and leases to deposits | 96.0332% | 278 |
| Net loans and leases to core deposits | 99.8962% | 517 |
| Total domestic deposits to total assets | 80.4457% | 4,254 |
| Equity capital to assets | 10.2128% | 1,751 |
| Core capital (leverage) ratio | 10.3058% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7791% | 2,939 |
| Memoranda: | ||
| Average total assets | $2,806,327,500 | 415 |
| Average earning assets | $2,481,766,500 | 426 |
| Average equity | $281,460,500 | 416 |
| Average total loans | $2,193,852,500 | 339 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 1,372 |
| Cost of funding earning assets | 0.2501% | 2,936 |
| Net interest margin | 3.7435% | 1,113 |
| Noninterest income to average assets | 1.3718% | 581 |
| Noninterest expense to average assets | 3.5331% | 456 |
| Loan and lease loss provision to assets | -0.0891% | 4,503 |
| Net operating income to assets | 0.9920% | 2,705 |
| Return on assets (ROA) | 0.7541% | 3,541 |
| Pretax return on assets | 0.9633% | 3,350 |
| Return on Equity (ROE) | 8.2410% | 3,147 |
| Retained earnings to average equity (ytd only) | 2.7027% | 3,759 |
| Net charge-offs to loans | 0.0053% | 2,397 |
| Credit loss provision to net charge-offs | -2,140.0000% | 4,068 |
| Earnings coverage of net charge-offs (x) | 282.3217% | 429 |
| Efficiency ratio | 75.0231% | 1,207 |
| Assets per employee ($millions) | 5.3392% | 3,428 |
| Cash dividends to net income (ytd only)* | 67.2043% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 2,950 |
| Loan loss allowance to noncurrent loans | 337.2135% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 2,032 |
| Noncurrent loans to loans | 0.3515% | 2,322 |
| Net loans and leases to total assets | 77.3044% | 426 |
| Net loans and leases to deposits | 90.1103% | 564 |
| Net loans and leases to core deposits | 97.4900% | 638 |
| Total domestic deposits to total assets | 85.7886% | 2,977 |
| Equity capital to assets | 9.8485% | 2,799 |
| Core capital (leverage) ratio | 10.0766% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6087% | 2,968 |
| Memoranda: | ||
| Average total assets | $2,762,495,800 | 401 |
| Average earning assets | $2,462,158,200 | 411 |
| Average equity | $252,783,400 | 445 |
| Average total loans | $2,186,533,800 | 341 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 1,505 |
| Cost of funding earning assets | 0.2689% | 2,914 |
| Net interest margin | 3.7447% | 1,236 |
| Noninterest income to average assets | 1.4504% | 574 |
| Noninterest expense to average assets | 3.5085% | 454 |
| Loan and lease loss provision to assets | -0.0404% | 4,425 |
| Net operating income to assets | 1.0425% | 2,758 |
| Return on assets (ROA) | 0.7713% | 3,658 |
| Pretax return on assets | 0.9831% | 3,511 |
| Return on Equity (ROE) | 8.5980% | 3,233 |
| Retained earnings to average equity (ytd only) | 2.1057% | 4,165 |
| Net charge-offs to loans | -0.0001% | 3,063 |
| Credit loss provision to net charge-offs | 41,600.0000% | 14 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1785% | 1,289 |
| Assets per employee ($millions) | 5.0939% | 3,611 |
| Cash dividends to net income (ytd only)* | 75.5097% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 2,579 |
| Loan loss allowance to noncurrent loans | 186.0270% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 1,127 |
| Noncurrent loans to loans | 0.6894% | 1,600 |
| Net loans and leases to total assets | 78.2012% | 391 |
| Net loans and leases to deposits | 89.8513% | 617 |
| Net loans and leases to core deposits | 99.6686% | 599 |
| Total domestic deposits to total assets | 87.0340% | 2,341 |
| Equity capital to assets | 9.1875% | 3,661 |
| Core capital (leverage) ratio | 8.3531% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9722% | 2,973 |
| Memoranda: | ||
| Average total assets | $2,747,007,250 | 405 |
| Average earning assets | $2,453,053,000 | 415 |
| Average equity | $246,437,500 | 456 |
| Average total loans | $2,180,764,500 | 343 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 1,685 |
| Cost of funding earning assets | 0.2729% | 3,062 |
| Net interest margin | 3.6751% | 1,405 |
| Noninterest income to average assets | 1.6113% | 479 |
| Noninterest expense to average assets | 3.5845% | 416 |
| Loan and lease loss provision to assets | -0.0543% | 4,534 |
| Net operating income to assets | 1.0776% | 2,616 |
| Return on assets (ROA) | 0.6760% | 3,885 |
| Pretax return on assets | 0.8545% | 3,760 |
| Return on Equity (ROE) | 7.5947% | 3,506 |
| Retained earnings to average equity (ytd only) | 2.7086% | 3,938 |
| Net charge-offs to loans | -0.0044% | 3,394 |
| Credit loss provision to net charge-offs | 1,560.4167% | 345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2554% | 1,312 |
| Assets per employee ($millions) | 5.2079% | 3,448 |
| Cash dividends to net income (ytd only)* | 64.3363% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,538 |
| Loan loss allowance to noncurrent loans | 185.0605% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 1,161 |
| Noncurrent loans to loans | 0.6918% | 1,697 |
| Net loans and leases to total assets | 78.0078% | 447 |
| Net loans and leases to deposits | 88.1679% | 766 |
| Net loans and leases to core deposits | 98.3071% | 707 |
| Total domestic deposits to total assets | 88.4764% | 1,576 |
| Equity capital to assets | 9.1122% | 3,696 |
| Core capital (leverage) ratio | 9.3110% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0745% | 2,944 |
| Memoranda: | ||
| Average total assets | $2,759,363,000 | 401 |
| Average earning assets | $2,464,066,667 | 408 |
| Average equity | $245,591,333 | 455 |
| Average total loans | $2,192,107,000 | 339 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 1,697 |
| Cost of funding earning assets | 0.2907% | 3,092 |
| Net interest margin | 3.6631% | 1,421 |
| Noninterest income to average assets | 2.3603% | 287 |
| Noninterest expense to average assets | 3.8162% | 330 |
| Loan and lease loss provision to assets | 0.0411% | 2,235 |
| Net operating income to assets | 1.4423% | 1,461 |
| Return on assets (ROA) | 0.4574% | 4,293 |
| Pretax return on assets | 0.5655% | 4,250 |
| Return on Equity (ROE) | 5.2006% | 4,053 |
| Retained earnings to average equity (ytd only) | -3.0023% | 4,601 |
| Net charge-offs to loans | 0.0252% | 1,251 |
| Credit loss provision to net charge-offs | 205.0360% | 881 |
| Earnings coverage of net charge-offs (x) | 90.8633% | 652 |
| Efficiency ratio | 67.6758% | 1,977 |
| Assets per employee ($millions) | 5.2926% | 3,343 |
| Cash dividends to net income (ytd only)* | 157.7287% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,486 |
| Loan loss allowance to noncurrent loans | 167.6408% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 1,087 |
| Noncurrent loans to loans | 0.7692% | 1,704 |
| Net loans and leases to total assets | 79.6038% | 356 |
| Net loans and leases to deposits | 88.4486% | 795 |
| Net loans and leases to core deposits | 98.6777% | 770 |
| Total domestic deposits to total assets | 90.0000% | 820 |
| Equity capital to assets | 8.8166% | 3,865 |
| Core capital (leverage) ratio | 9.0793% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0695% | 2,920 |
| Memoranda: | ||
| Average total assets | $2,771,970,500 | 398 |
| Average earning assets | $2,480,826,500 | 401 |
| Average equity | $243,816,000 | 452 |
| Average total loans | $2,207,905,500 | 339 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 1,938 |
| Cost of funding earning assets | 0.6362% | 2,079 |
| Net interest margin | 3.6397% | 2,012 |
| Noninterest income to average assets | 0.9395% | 1,170 |
| Noninterest expense to average assets | 3.0695% | 1,292 |
| Loan and lease loss provision to assets | 0.3782% | 859 |
| Net operating income to assets | 0.5821% | 3,807 |
| Return on assets (ROA) | 0.9298% | 2,711 |
| Pretax return on assets | 1.1912% | 2,352 |
| Return on Equity (ROE) | 10.2200% | 1,923 |
| Retained earnings to average equity (ytd only) | 3.3943% | 3,126 |
| Net charge-offs to loans | 0.0418% | 2,226 |
| Credit loss provision to net charge-offs | 1,124.1611% | 717 |
| Earnings coverage of net charge-offs (x) | 33.5660% | 1,515 |
| Efficiency ratio | 73.0974% | 1,557 |
| Assets per employee ($millions) | 5.4100% | 2,942 |
| Cash dividends to net income (ytd only)* | 66.7881% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,485 |
| Loan loss allowance to noncurrent loans | 180.7187% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 1,692 |
| Noncurrent loans to loans | 0.7118% | 1,916 |
| Net loans and leases to total assets | 77.6680% | 630 |
| Net loans and leases to deposits | 90.1634% | 920 |
| Net loans and leases to core deposits | 105.0378% | 687 |
| Total domestic deposits to total assets | 86.1414% | 2,308 |
| Equity capital to assets | 8.7754% | 4,240 |
| Core capital (leverage) ratio | 9.2345% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1495% | 2,882 |
| Memoranda: | ||
| Average total assets | $2,657,124,800 | 380 |
| Average earning assets | $2,379,459,400 | 383 |
| Average equity | $241,731,600 | 433 |
| Average total loans | $2,141,099,400 | 335 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 2,015 |
| Cost of funding earning assets | 0.7303% | 1,854 |
| Net interest margin | 3.6004% | 2,269 |
| Noninterest income to average assets | 0.6653% | 1,924 |
| Noninterest expense to average assets | 3.1686% | 1,125 |
| Loan and lease loss provision to assets | 0.4329% | 764 |
| Net operating income to assets | 0.2164% | 4,564 |
| Return on assets (ROA) | 0.6827% | 3,620 |
| Pretax return on assets | 0.8782% | 3,440 |
| Return on Equity (ROE) | 7.4342% | 3,034 |
| Retained earnings to average equity (ytd only) | 4.9413% | 2,585 |
| Net charge-offs to loans | 0.0402% | 2,054 |
| Credit loss provision to net charge-offs | 1,329.6875% | 681 |
| Earnings coverage of net charge-offs (x) | 22.1391% | 1,837 |
| Efficiency ratio | 81.4603% | 758 |
| Assets per employee ($millions) | 5.4969% | 2,714 |
| Cash dividends to net income (ytd only)* | 33.5320% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,604 |
| Loan loss allowance to noncurrent loans | 257.4349% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 2,366 |
| Noncurrent loans to loans | 0.4705% | 2,643 |
| Net loans and leases to total assets | 79.8747% | 628 |
| Net loans and leases to deposits | 95.0035% | 842 |
| Net loans and leases to core deposits | 110.4493% | 687 |
| Total domestic deposits to total assets | 84.0755% | 2,791 |
| Equity capital to assets | 8.9315% | 4,161 |
| Core capital (leverage) ratio | 9.5165% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0887% | 2,900 |
| Memoranda: | ||
| Average total assets | $2,620,810,500 | 377 |
| Average earning assets | $2,346,877,500 | 377 |
| Average equity | $240,684,500 | 425 |
| Average total loans | $2,125,145,000 | 331 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3852% | 2,249 |
| Cost of funding earning assets | 0.8679% | 1,504 |
| Net interest margin | 3.5172% | 2,734 |
| Noninterest income to average assets | 0.4711% | 2,706 |
| Noninterest expense to average assets | 3.1158% | 1,321 |
| Loan and lease loss provision to assets | 0.4548% | 845 |
| Net operating income to assets | 0.0367% | 4,743 |
| Return on assets (ROA) | 0.5712% | 3,905 |
| Pretax return on assets | 0.7359% | 3,780 |
| Return on Equity (ROE) | 6.1594% | 3,452 |
| Retained earnings to average equity (ytd only) | 4.4829% | 2,714 |
| Net charge-offs to loans | 0.0498% | 1,771 |
| Credit loss provision to net charge-offs | 1,125.1923% | 728 |
| Earnings coverage of net charge-offs (x) | 12.7192% | 2,037 |
| Efficiency ratio | 85.8272% | 544 |
| Assets per employee ($millions) | 5.4786% | 2,658 |
| Cash dividends to net income (ytd only)* | 27.2183% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,114 |
| Loan loss allowance to noncurrent loans | 204.9278% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 2,367 |
| Noncurrent loans to loans | 0.5326% | 2,570 |
| Net loans and leases to total assets | 81.3328% | 468 |
| Net loans and leases to deposits | 101.1113% | 485 |
| Net loans and leases to core deposits | 109.2400% | 765 |
| Total domestic deposits to total assets | 80.4389% | 3,742 |
| Equity capital to assets | 8.7978% | 4,264 |
| Core capital (leverage) ratio | 9.5942% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6694% | 3,050 |
| Memoranda: | ||
| Average total assets | $2,572,775,333 | 375 |
| Average earning assets | $2,310,615,667 | 374 |
| Average equity | $238,596,333 | 423 |
| Average total loans | $2,088,345,333 | 330 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 1,995 |
| Cost of funding earning assets | 1.0979% | 1,050 |
| Net interest margin | 3.5025% | 2,976 |
| Noninterest income to average assets | 0.5417% | 2,323 |
| Noninterest expense to average assets | 2.9820% | 1,925 |
| Loan and lease loss provision to assets | 0.4338% | 695 |
| Net operating income to assets | 0.2196% | 4,497 |
| Return on assets (ROA) | 0.5730% | 3,742 |
| Pretax return on assets | 0.7333% | 3,581 |
| Return on Equity (ROE) | 6.0092% | 3,311 |
| Retained earnings to average equity (ytd only) | 6.0092% | 1,867 |
| Net charge-offs to loans | 0.0803% | 1,225 |
| Credit loss provision to net charge-offs | 670.7196% | 741 |
| Earnings coverage of net charge-offs (x) | 11.1290% | 1,739 |
| Efficiency ratio | 80.5419% | 1,088 |
| Assets per employee ($millions) | 5.3268% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,550 |
| Loan loss allowance to noncurrent loans | 208.9487% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 2,630 |
| Noncurrent loans to loans | 0.4927% | 2,786 |
| Net loans and leases to total assets | 80.3506% | 658 |
| Net loans and leases to deposits | 95.1342% | 988 |
| Net loans and leases to core deposits | 100.8658% | 1,409 |
| Total domestic deposits to total assets | 84.4602% | 2,612 |
| Equity capital to assets | 9.3864% | 4,326 |
| Core capital (leverage) ratio | 9.7718% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6401% | 3,199 |
| Memoranda: | ||
| Average total assets | $2,492,256,000 | 371 |
| Average earning assets | $2,248,666,000 | 368 |
| Average equity | $237,637,000 | 424 |
| Average total loans | $2,008,506,500 | 332 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 1,875 |
| Cost of funding earning assets | 1.4720% | 432 |
| Net interest margin | 3.3856% | 3,784 |
| Noninterest income to average assets | 1.0292% | 910 |
| Noninterest expense to average assets | 2.9985% | 2,021 |
| Loan and lease loss provision to assets | 0.1188% | 1,781 |
| Net operating income to assets | 0.7401% | 3,731 |
| Return on assets (ROA) | 0.7546% | 3,763 |
| Pretax return on assets | 0.9860% | 3,496 |
| Return on Equity (ROE) | 7.6214% | 3,314 |
| Retained earnings to average equity (ytd only) | 2.0370% | 3,986 |
| Net charge-offs to loans | 0.0587% | 2,261 |
| Credit loss provision to net charge-offs | 254.9270% | 1,075 |
| Earnings coverage of net charge-offs (x) | 23.3084% | 1,819 |
| Efficiency ratio | 73.3851% | 1,674 |
| Assets per employee ($millions) | 5.0034% | 2,594 |
| Cash dividends to net income (ytd only)* | 73.2725% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,546 |
| Loan loss allowance to noncurrent loans | 152.3560% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 2,171 |
| Noncurrent loans to loans | 0.6538% | 2,257 |
| Net loans and leases to total assets | 79.1571% | 906 |
| Net loans and leases to deposits | 91.0952% | 1,473 |
| Net loans and leases to core deposits | 96.9874% | 1,818 |
| Total domestic deposits to total assets | 86.8949% | 1,665 |
| Equity capital to assets | 9.6935% | 4,184 |
| Core capital (leverage) ratio | 9.5516% | 4,010 |
| Tier 1 risk-based capital ratio | 11.0716% | 4,831 |
| Total risk-based capital ratio | 12.0259% | 4,843 |
| Memoranda: | ||
| Average total assets | $2,351,114,600 | 367 |
| Average earning assets | $2,122,126,800 | 367 |
| Average equity | $232,792,400 | 416 |
| Average total loans | $1,867,427,200 | 345 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 1,701 |
| Cost of funding earning assets | 1.5277% | 379 |
| Net interest margin | 3.4144% | 3,828 |
| Noninterest income to average assets | 1.0295% | 876 |
| Noninterest expense to average assets | 3.0291% | 1,896 |
| Loan and lease loss provision to assets | 0.1933% | 921 |
| Net operating income to assets | 0.6746% | 4,092 |
| Return on assets (ROA) | 0.6920% | 4,095 |
| Pretax return on assets | 0.9073% | 3,853 |
| Return on Equity (ROE) | 6.9513% | 3,696 |
| Retained earnings to average equity (ytd only) | 1.7911% | 4,344 |
| Net charge-offs to loans | 0.0667% | 1,872 |
| Credit loss provision to net charge-offs | 365.2643% | 826 |
| Earnings coverage of net charge-offs (x) | 20.3840% | 1,958 |
| Efficiency ratio | 73.7255% | 1,613 |
| Assets per employee ($millions) | 4.9587% | 2,603 |
| Cash dividends to net income (ytd only)* | 74.2329% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 3,231 |
| Loan loss allowance to noncurrent loans | 170.8686% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 2,331 |
| Noncurrent loans to loans | 0.6199% | 2,423 |
| Net loans and leases to total assets | 78.3543% | 1,087 |
| Net loans and leases to deposits | 91.2129% | 1,542 |
| Net loans and leases to core deposits | 94.8761% | 2,093 |
| Total domestic deposits to total assets | 85.9027% | 2,037 |
| Equity capital to assets | 9.8197% | 4,189 |
| Core capital (leverage) ratio | 9.4985% | 4,164 |
| Tier 1 risk-based capital ratio | 11.3062% | 4,757 |
| Total risk-based capital ratio | 12.3302% | 4,763 |
| Memoranda: | ||
| Average total assets | $2,335,979,250 | 370 |
| Average earning assets | $2,105,934,250 | 373 |
| Average equity | $232,546,750 | 419 |
| Average total loans | $1,852,233,250 | 350 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 1,609 |
| Cost of funding earning assets | 1.5425% | 325 |
| Net interest margin | 3.4087% | 3,871 |
| Noninterest income to average assets | 0.8336% | 1,237 |
| Noninterest expense to average assets | 3.0859% | 1,770 |
| Loan and lease loss provision to assets | 0.1851% | 960 |
| Net operating income to assets | 0.4791% | 4,574 |
| Return on assets (ROA) | 0.4874% | 4,590 |
| Pretax return on assets | 0.6402% | 4,466 |
| Return on Equity (ROE) | 4.8735% | 4,372 |
| Retained earnings to average equity (ytd only) | 0.5660% | 4,550 |
| Net charge-offs to loans | 0.0991% | 1,381 |
| Credit loss provision to net charge-offs | 235.5263% | 1,070 |
| Earnings coverage of net charge-offs (x) | 10.3684% | 2,273 |
| Efficiency ratio | 79.0930% | 1,053 |
| Assets per employee ($millions) | 5.1722% | 2,284 |
| Cash dividends to net income (ytd only)* | 88.3861% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 3,666 |
| Loan loss allowance to noncurrent loans | 171.4978% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 2,439 |
| Noncurrent loans to loans | 0.5793% | 2,521 |
| Net loans and leases to total assets | 79.0188% | 1,034 |
| Net loans and leases to deposits | 96.2878% | 1,008 |
| Net loans and leases to core deposits | 99.5446% | 1,765 |
| Total domestic deposits to total assets | 82.0652% | 3,493 |
| Equity capital to assets | 9.7505% | 4,192 |
| Core capital (leverage) ratio | 9.4397% | 4,209 |
| Tier 1 risk-based capital ratio | 11.4162% | 4,727 |
| Total risk-based capital ratio | 12.3958% | 4,750 |
| Memoranda: | ||
| Average total assets | $2,321,252,670 | 372 |
| Average earning assets | $2,088,576,670 | 380 |
| Average equity | $232,154,330 | 418 |
| Average total loans | $1,841,336,330 | 351 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8558% | 1,743 |
| Cost of funding earning assets | 1.4778% | 349 |
| Net interest margin | 3.3780% | 3,944 |
| Noninterest income to average assets | 0.7922% | 1,311 |
| Noninterest expense to average assets | 2.9236% | 2,206 |
| Loan and lease loss provision to assets | 0.3290% | 374 |
| Net operating income to assets | 0.4395% | 4,654 |
| Return on assets (ROA) | 0.4492% | 4,659 |
| Pretax return on assets | 0.6017% | 4,510 |
| Return on Equity (ROE) | 4.4344% | 4,486 |
| Retained earnings to average equity (ytd only) | -4.1494% | 4,872 |
| Net charge-offs to loans | 0.2098% | 666 |
| Credit loss provision to net charge-offs | 198.3229% | 1,067 |
| Earnings coverage of net charge-offs (x) | 5.5356% | 2,257 |
| Efficiency ratio | 76.0683% | 1,490 |
| Assets per employee ($millions) | 5.3568% | 2,116 |
| Cash dividends to net income (ytd only)* | 193.5734% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,755 |
| Loan loss allowance to noncurrent loans | 168.2415% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 2,492 |
| Noncurrent loans to loans | 0.5903% | 2,567 |
| Net loans and leases to total assets | 78.9126% | 1,004 |
| Net loans and leases to deposits | 98.3675% | 753 |
| Net loans and leases to core deposits | 102.0071% | 1,462 |
| Total domestic deposits to total assets | 80.2222% | 4,135 |
| Equity capital to assets | 9.7229% | 4,069 |
| Core capital (leverage) ratio | 9.5263% | 4,101 |
| Tier 1 risk-based capital ratio | 11.4021% | 4,782 |
| Total risk-based capital ratio | 12.3902% | 4,828 |
| Memoranda: | ||
| Average total assets | $2,300,042,000 | 377 |
| Average earning assets | $2,076,615,000 | 383 |
| Average equity | $232,996,000 | 414 |
| Average total loans | $1,818,759,500 | 356 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 1,090 |
| Cost of funding earning assets | 1.2578% | 264 |
| Net interest margin | 3.7238% | 2,949 |
| Noninterest income to average assets | 1.1061% | 752 |
| Noninterest expense to average assets | 3.3112% | 1,296 |
| Loan and lease loss provision to assets | -0.0904% | 5,254 |
| Net operating income to assets | 0.9389% | 3,288 |
| Return on assets (ROA) | 0.9356% | 3,297 |
| Pretax return on assets | 1.1931% | 2,907 |
| Return on Equity (ROE) | 8.7901% | 3,098 |
| Retained earnings to average equity (ytd only) | 3.6301% | 3,583 |
| Net charge-offs to loans | 0.0145% | 3,193 |
| Credit loss provision to net charge-offs | -799.5951% | 4,705 |
| Earnings coverage of net charge-offs (x) | 97.9231% | 747 |
| Efficiency ratio | 74.9176% | 1,506 |
| Assets per employee ($millions) | 5.0442% | 2,443 |
| Cash dividends to net income (ytd only)* | 58.7027% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,785 |
| Loan loss allowance to noncurrent loans | 162.9619% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 2,411 |
| Noncurrent loans to loans | 0.6035% | 2,470 |
| Net loans and leases to total assets | 77.6579% | 1,327 |
| Net loans and leases to deposits | 93.8853% | 1,298 |
| Net loans and leases to core deposits | 102.6340% | 1,530 |
| Total domestic deposits to total assets | 82.7157% | 3,419 |
| Equity capital to assets | 10.5481% | 3,130 |
| Core capital (leverage) ratio | 9.7939% | 3,806 |
| Tier 1 risk-based capital ratio | 12.0748% | 4,380 |
| Total risk-based capital ratio | 13.0518% | 4,443 |
| Memoranda: | ||
| Average total assets | $2,185,009,000 | 386 |
| Average earning assets | $1,943,425,200 | 400 |
| Average equity | $232,558,400 | 404 |
| Average total loans | $1,706,905,200 | 372 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9702% | 991 |
| Cost of funding earning assets | 1.2222% | 230 |
| Net interest margin | 3.7480% | 2,833 |
| Noninterest income to average assets | 1.1065% | 772 |
| Noninterest expense to average assets | 3.3718% | 1,162 |
| Loan and lease loss provision to assets | -0.0817% | 5,336 |
| Net operating income to assets | 0.9018% | 3,523 |
| Return on assets (ROA) | 0.8999% | 3,536 |
| Pretax return on assets | 1.1366% | 3,255 |
| Return on Equity (ROE) | 8.4350% | 3,361 |
| Retained earnings to average equity (ytd only) | 1.5040% | 4,727 |
| Net charge-offs to loans | 0.0141% | 2,921 |
| Credit loss provision to net charge-offs | -744.9438% | 4,575 |
| Earnings coverage of net charge-offs (x) | 96.3922% | 776 |
| Efficiency ratio | 76.0998% | 1,336 |
| Assets per employee ($millions) | 5.0666% | 2,383 |
| Cash dividends to net income (ytd only)* | 82.1693% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,644 |
| Loan loss allowance to noncurrent loans | 179.6097% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 2,625 |
| Noncurrent loans to loans | 0.5674% | 2,677 |
| Net loans and leases to total assets | 76.6180% | 1,567 |
| Net loans and leases to deposits | 97.1448% | 1,029 |
| Net loans and leases to core deposits | 106.6190% | 1,261 |
| Total domestic deposits to total assets | 78.8699% | 4,340 |
| Equity capital to assets | 10.0924% | 3,546 |
| Core capital (leverage) ratio | 9.9981% | 3,640 |
| Tier 1 risk-based capital ratio | 11.9110% | 4,548 |
| Total risk-based capital ratio | 12.9279% | 4,576 |
| Memoranda: | ||
| Average total assets | $2,163,788,750 | 392 |
| Average earning assets | $1,918,164,750 | 402 |
| Average equity | $230,840,500 | 405 |
| Average total loans | $1,688,567,250 | 373 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 625 |
| Cost of funding earning assets | 1.2920% | 119 |
| Net interest margin | 3.8385% | 2,423 |
| Noninterest income to average assets | 1.1100% | 779 |
| Noninterest expense to average assets | 3.5856% | 881 |
| Loan and lease loss provision to assets | -0.1142% | 5,434 |
| Net operating income to assets | 0.8390% | 3,724 |
| Return on assets (ROA) | 0.8078% | 3,834 |
| Pretax return on assets | 0.9952% | 3,678 |
| Return on Equity (ROE) | 7.4258% | 3,755 |
| Retained earnings to average equity (ytd only) | 0.4712% | 4,871 |
| Net charge-offs to loans | 0.0052% | 2,983 |
| Credit loss provision to net charge-offs | -2,809.3023% | 4,677 |
| Earnings coverage of net charge-offs (x) | 226.1163% | 392 |
| Efficiency ratio | 79.5588% | 1,061 |
| Assets per employee ($millions) | 4.5598% | 3,034 |
| Cash dividends to net income (ytd only)* | 93.6549% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,234 |
| Loan loss allowance to noncurrent loans | 164.6498% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 2,393 |
| Noncurrent loans to loans | 0.6704% | 2,430 |
| Net loans and leases to total assets | 78.0799% | 1,297 |
| Net loans and leases to deposits | 93.6402% | 1,396 |
| Net loans and leases to core deposits | 109.9122% | 1,011 |
| Total domestic deposits to total assets | 83.3829% | 3,293 |
| Equity capital to assets | 10.9040% | 2,727 |
| Core capital (leverage) ratio | 8.9093% | 4,769 |
| Tier 1 risk-based capital ratio | 12.0158% | 4,483 |
| Total risk-based capital ratio | 13.0718% | 4,492 |
| Memoranda: | ||
| Average total assets | $2,114,926,330 | 400 |
| Average earning assets | $1,870,558,000 | 409 |
| Average equity | $230,063,000 | 405 |
| Average total loans | $1,655,293,330 | 378 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1720% | 518 |
| Cost of funding earning assets | 1.3125% | 77 |
| Net interest margin | 3.8595% | 2,198 |
| Noninterest income to average assets | 0.9900% | 929 |
| Noninterest expense to average assets | 4.0808% | 480 |
| Loan and lease loss provision to assets | 0.0265% | 3,172 |
| Net operating income to assets | 0.3405% | 5,026 |
| Return on assets (ROA) | 0.2634% | 5,153 |
| Pretax return on assets | 0.2199% | 5,246 |
| Return on Equity (ROE) | 2.4244% | 5,119 |
| Retained earnings to average equity (ytd only) | -4.5474% | 5,180 |
| Net charge-offs to loans | 0.0044% | 2,580 |
| Credit loss provision to net charge-offs | 777.7778% | 423 |
| Earnings coverage of net charge-offs (x) | 94.8889% | 639 |
| Efficiency ratio | 92.6173% | 346 |
| Assets per employee ($millions) | 4.7639% | 2,776 |
| Cash dividends to net income (ytd only)* | 287.5629% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 2,792 |
| Loan loss allowance to noncurrent loans | 164.5119% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 2,377 |
| Noncurrent loans to loans | 0.7310% | 2,385 |
| Net loans and leases to total assets | 76.7559% | 1,417 |
| Net loans and leases to deposits | 91.4763% | 1,508 |
| Net loans and leases to core deposits | 111.3449% | 927 |
| Total domestic deposits to total assets | 83.9080% | 3,364 |
| Equity capital to assets | 10.7313% | 2,840 |
| Core capital (leverage) ratio | 7.7553% | 5,460 |
| Tier 1 risk-based capital ratio | 11.8937% | 4,610 |
| Total risk-based capital ratio | 13.0396% | 4,570 |
| Memoranda: | ||
| Average total assets | $2,112,239,500 | 402 |
| Average earning assets | $1,868,509,000 | 412 |
| Average equity | $229,496,000 | 410 |
| Average total loans | $1,645,937,500 | 382 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9462% | 714 |
| Cost of funding earning assets | 1.0016% | 210 |
| Net interest margin | 3.9447% | 1,937 |
| Noninterest income to average assets | 1.0869% | 861 |
| Noninterest expense to average assets | 3.1080% | 1,837 |
| Loan and lease loss provision to assets | 0.0674% | 2,853 |
| Net operating income to assets | 0.8448% | 2,972 |
| Return on assets (ROA) | 0.8294% | 3,074 |
| Pretax return on assets | 1.4099% | 1,958 |
| Return on Equity (ROE) | 7.5857% | 3,000 |
| Retained earnings to average equity (ytd only) | 2.0330% | 4,101 |
| Net charge-offs to loans | 0.0424% | 2,939 |
| Credit loss provision to net charge-offs | 202.8065% | 1,348 |
| Earnings coverage of net charge-offs (x) | 45.2038% | 1,172 |
| Efficiency ratio | 67.3861% | 3,023 |
| Assets per employee ($millions) | 4.7399% | 2,811 |
| Cash dividends to net income (ytd only)* | 73.1989% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 2,764 |
| Loan loss allowance to noncurrent loans | 155.2774% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.8347% | 1,865 |
| Noncurrent loans to loans | 0.7741% | 2,276 |
| Net loans and leases to total assets | 77.2207% | 1,390 |
| Net loans and leases to deposits | 90.5804% | 1,700 |
| Net loans and leases to core deposits | 112.1622% | 890 |
| Total domestic deposits to total assets | 85.2510% | 2,738 |
| Equity capital to assets | 11.0004% | 2,622 |
| Core capital (leverage) ratio | 8.1330% | 5,388 |
| Tier 1 risk-based capital ratio | 12.4463% | 4,239 |
| Total risk-based capital ratio | 13.5774% | 4,223 |
| Memoranda: | ||
| Average total assets | $2,038,406,200 | 402 |
| Average earning assets | $1,820,230,400 | 408 |
| Average equity | $222,867,600 | 405 |
| Average total loans | $1,596,666,800 | 377 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8807% | 792 |
| Cost of funding earning assets | 0.9468% | 262 |
| Net interest margin | 3.9340% | 1,920 |
| Noninterest income to average assets | 1.1056% | 833 |
| Noninterest expense to average assets | 3.1536% | 1,667 |
| Loan and lease loss provision to assets | 0.0301% | 3,515 |
| Net operating income to assets | 0.9226% | 2,910 |
| Return on assets (ROA) | 0.9190% | 2,994 |
| Pretax return on assets | 1.4353% | 1,992 |
| Return on Equity (ROE) | 8.4186% | 2,922 |
| Retained earnings to average equity (ytd only) | 3.3622% | 3,928 |
| Net charge-offs to loans | 0.0259% | 2,923 |
| Credit loss provision to net charge-offs | 148.3766% | 1,706 |
| Earnings coverage of net charge-offs (x) | 72.4669% | 868 |
| Efficiency ratio | 68.1478% | 2,852 |
| Assets per employee ($millions) | 4.5993% | 2,980 |
| Cash dividends to net income (ytd only)* | 60.0617% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,932 |
| Loan loss allowance to noncurrent loans | 180.0019% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 2,188 |
| Noncurrent loans to loans | 0.6668% | 2,701 |
| Net loans and leases to total assets | 77.4933% | 1,351 |
| Net loans and leases to deposits | 90.8401% | 1,708 |
| Net loans and leases to core deposits | 110.7607% | 987 |
| Total domestic deposits to total assets | 85.3074% | 2,595 |
| Equity capital to assets | 11.3615% | 2,505 |
| Core capital (leverage) ratio | 8.5948% | 5,169 |
| Tier 1 risk-based capital ratio | 12.8623% | 4,109 |
| Total risk-based capital ratio | 13.9746% | 4,086 |
| Memoranda: | ||
| Average total assets | $2,023,064,500 | 406 |
| Average earning assets | $1,809,653,750 | 413 |
| Average equity | $220,838,750 | 411 |
| Average total loans | $1,585,536,500 | 376 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 886 |
| Cost of funding earning assets | 0.8886% | 326 |
| Net interest margin | 3.8963% | 1,940 |
| Noninterest income to average assets | 1.0641% | 889 |
| Noninterest expense to average assets | 3.1727% | 1,642 |
| Loan and lease loss provision to assets | 0.0646% | 2,678 |
| Net operating income to assets | 0.8486% | 3,161 |
| Return on assets (ROA) | 0.8431% | 3,232 |
| Pretax return on assets | 1.3138% | 2,336 |
| Return on Equity (ROE) | 7.8310% | 3,134 |
| Retained earnings to average equity (ytd only) | 3.8042% | 3,426 |
| Net charge-offs to loans | 0.0420% | 2,355 |
| Credit loss provision to net charge-offs | 196.3855% | 1,293 |
| Earnings coverage of net charge-offs (x) | 42.1566% | 1,210 |
| Efficiency ratio | 69.5347% | 2,761 |
| Assets per employee ($millions) | 4.6853% | 2,815 |
| Cash dividends to net income (ytd only)* | 51.4222% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,954 |
| Loan loss allowance to noncurrent loans | 202.0675% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 2,378 |
| Noncurrent loans to loans | 0.5991% | 2,937 |
| Net loans and leases to total assets | 77.6591% | 1,294 |
| Net loans and leases to deposits | 93.6200% | 1,304 |
| Net loans and leases to core deposits | 111.9471% | 906 |
| Total domestic deposits to total assets | 82.9514% | 3,586 |
| Equity capital to assets | 10.8140% | 3,017 |
| Core capital (leverage) ratio | 8.5052% | 5,213 |
| Tier 1 risk-based capital ratio | 12.5647% | 4,262 |
| Total risk-based capital ratio | 13.6915% | 4,222 |
| Memoranda: | ||
| Average total assets | $2,018,258,330 | 409 |
| Average earning assets | $1,810,696,000 | 417 |
| Average equity | $217,289,000 | 414 |
| Average total loans | $1,581,351,000 | 379 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6774% | 974 |
| Cost of funding earning assets | 0.8199% | 438 |
| Net interest margin | 3.8574% | 1,929 |
| Noninterest income to average assets | 0.9979% | 1,010 |
| Noninterest expense to average assets | 3.2437% | 1,493 |
| Loan and lease loss provision to assets | 0.1405% | 1,345 |
| Net operating income to assets | 0.6998% | 3,704 |
| Return on assets (ROA) | 0.6824% | 3,816 |
| Pretax return on assets | 1.0544% | 3,158 |
| Return on Equity (ROE) | 6.3523% | 3,740 |
| Retained earnings to average equity (ytd only) | 2.4168% | 4,181 |
| Net charge-offs to loans | 0.1086% | 1,305 |
| Credit loss provision to net charge-offs | 165.3396% | 1,146 |
| Earnings coverage of net charge-offs (x) | 14.3817% | 1,726 |
| Efficiency ratio | 72.5831% | 2,473 |
| Assets per employee ($millions) | 4.6884% | 2,862 |
| Cash dividends to net income (ytd only)* | 61.9534% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,985 |
| Loan loss allowance to noncurrent loans | 166.6465% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 2,176 |
| Noncurrent loans to loans | 0.7341% | 2,662 |
| Net loans and leases to total assets | 77.1584% | 1,247 |
| Net loans and leases to deposits | 93.2413% | 1,193 |
| Net loans and leases to core deposits | 105.6757% | 1,125 |
| Total domestic deposits to total assets | 82.7513% | 3,929 |
| Equity capital to assets | 10.7307% | 2,926 |
| Core capital (leverage) ratio | 8.2902% | 5,383 |
| Tier 1 risk-based capital ratio | 12.4189% | 4,433 |
| Total risk-based capital ratio | 13.5485% | 4,412 |
| Memoranda: | ||
| Average total assets | $2,010,667,000 | 413 |
| Average earning assets | $1,807,429,500 | 419 |
| Average equity | $215,985,500 | 418 |
| Average total loans | $1,572,775,000 | 381 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 1,092 |
| Cost of funding earning assets | 0.7011% | 805 |
| Net interest margin | 3.9813% | 1,690 |
| Noninterest income to average assets | 1.0170% | 1,095 |
| Noninterest expense to average assets | 3.0784% | 2,101 |
| Loan and lease loss provision to assets | 0.0775% | 2,813 |
| Net operating income to assets | 0.9168% | 2,739 |
| Return on assets (ROA) | 0.9002% | 2,943 |
| Pretax return on assets | 1.3976% | 1,950 |
| Return on Equity (ROE) | 8.2054% | 2,828 |
| Retained earnings to average equity (ytd only) | 4.3171% | 2,826 |
| Net charge-offs to loans | 0.0449% | 3,140 |
| Credit loss provision to net charge-offs | 219.6429% | 1,302 |
| Earnings coverage of net charge-offs (x) | 42.5476% | 1,137 |
| Efficiency ratio | 67.1581% | 3,408 |
| Assets per employee ($millions) | 4.5781% | 3,002 |
| Cash dividends to net income (ytd only)* | 47.3871% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 3,033 |
| Loan loss allowance to noncurrent loans | 122.0391% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0975% | 1,701 |
| Noncurrent loans to loans | 0.9952% | 2,101 |
| Net loans and leases to total assets | 77.3788% | 1,297 |
| Net loans and leases to deposits | 95.1987% | 1,076 |
| Net loans and leases to core deposits | 110.6660% | 853 |
| Total domestic deposits to total assets | 81.2814% | 4,264 |
| Equity capital to assets | 10.7534% | 2,865 |
| Core capital (leverage) ratio | 8.5086% | 5,256 |
| Tier 1 risk-based capital ratio | 12.2158% | 4,565 |
| Total risk-based capital ratio | 13.3198% | 4,565 |
| Memoranda: | ||
| Average total assets | $1,904,715,600 | 411 |
| Average earning assets | $1,704,385,600 | 419 |
| Average equity | $208,960,600 | 418 |
| Average total loans | $1,496,615,400 | 375 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 1,081 |
| Cost of funding earning assets | 0.6911% | 856 |
| Net interest margin | 4.0020% | 1,645 |
| Noninterest income to average assets | 1.0020% | 1,145 |
| Noninterest expense to average assets | 3.2236% | 1,723 |
| Loan and lease loss provision to assets | 0.0945% | 2,338 |
| Net operating income to assets | 0.8141% | 3,303 |
| Return on assets (ROA) | 0.8379% | 3,326 |
| Pretax return on assets | 1.2954% | 2,446 |
| Return on Equity (ROE) | 7.5974% | 3,242 |
| Retained earnings to average equity (ytd only) | 3.7405% | 3,644 |
| Net charge-offs to loans | 0.0544% | 2,585 |
| Credit loss provision to net charge-offs | 221.0614% | 1,334 |
| Earnings coverage of net charge-offs (x) | 31.6600% | 1,436 |
| Efficiency ratio | 70.3654% | 2,838 |
| Assets per employee ($millions) | 4.5763% | 2,963 |
| Cash dividends to net income (ytd only)* | 50.7657% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 3,064 |
| Loan loss allowance to noncurrent loans | 137.4665% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0280% | 2,007 |
| Noncurrent loans to loans | 0.8949% | 2,467 |
| Net loans and leases to total assets | 77.7110% | 1,246 |
| Net loans and leases to deposits | 95.9772% | 1,049 |
| Net loans and leases to core deposits | 109.7184% | 936 |
| Total domestic deposits to total assets | 80.9683% | 4,259 |
| Equity capital to assets | 10.7918% | 3,252 |
| Core capital (leverage) ratio | 8.6186% | 5,242 |
| Tier 1 risk-based capital ratio | 12.1645% | 4,694 |
| Total risk-based capital ratio | 13.2706% | 4,676 |
| Memoranda: | ||
| Average total assets | $1,880,739,500 | 412 |
| Average earning assets | $1,680,071,500 | 425 |
| Average equity | $207,417,250 | 424 |
| Average total loans | $1,478,997,250 | 378 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 1,345 |
| Cost of funding earning assets | 0.6732% | 929 |
| Net interest margin | 3.8922% | 2,005 |
| Noninterest income to average assets | 0.9215% | 1,312 |
| Noninterest expense to average assets | 3.3347% | 1,522 |
| Loan and lease loss provision to assets | 0.0854% | 2,440 |
| Net operating income to assets | 0.6399% | 4,095 |
| Return on assets (ROA) | 0.6817% | 4,032 |
| Pretax return on assets | 1.0415% | 3,430 |
| Return on Equity (ROE) | 6.1349% | 3,985 |
| Retained earnings to average equity (ytd only) | 2.3746% | 4,365 |
| Net charge-offs to loans | 0.0506% | 2,479 |
| Credit loss provision to net charge-offs | 214.6341% | 1,241 |
| Earnings coverage of net charge-offs (x) | 26.7073% | 1,482 |
| Efficiency ratio | 75.7602% | 2,114 |
| Assets per employee ($millions) | 4.5010% | 3,028 |
| Cash dividends to net income (ytd only)* | 61.2939% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 3,184 |
| Loan loss allowance to noncurrent loans | 149.6990% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 2,182 |
| Noncurrent loans to loans | 0.8226% | 2,687 |
| Net loans and leases to total assets | 77.8323% | 1,226 |
| Net loans and leases to deposits | 94.3099% | 1,259 |
| Net loans and leases to core deposits | 110.5761% | 900 |
| Total domestic deposits to total assets | 82.5282% | 3,823 |
| Equity capital to assets | 10.8225% | 3,263 |
| Core capital (leverage) ratio | 9.1212% | 4,687 |
| Tier 1 risk-based capital ratio | 12.0337% | 4,802 |
| Total risk-based capital ratio | 13.1334% | 4,805 |
| Memoranda: | ||
| Average total assets | $1,854,765,670 | 417 |
| Average earning assets | $1,656,332,330 | 428 |
| Average equity | $206,098,330 | 423 |
| Average total loans | $1,458,311,670 | 382 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 1,580 |
| Cost of funding earning assets | 0.6755% | 913 |
| Net interest margin | 3.7999% | 2,287 |
| Noninterest income to average assets | 0.8316% | 1,509 |
| Noninterest expense to average assets | 3.3673% | 1,452 |
| Loan and lease loss provision to assets | 0.0894% | 2,187 |
| Net operating income to assets | 0.5233% | 4,531 |
| Return on assets (ROA) | 0.5445% | 4,549 |
| Pretax return on assets | 0.8166% | 4,144 |
| Return on Equity (ROE) | 4.8336% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.4214% | 4,697 |
| Net charge-offs to loans | 0.0945% | 1,569 |
| Credit loss provision to net charge-offs | 120.4142% | 1,440 |
| Earnings coverage of net charge-offs (x) | 11.7781% | 1,844 |
| Efficiency ratio | 79.2978% | 1,699 |
| Assets per employee ($millions) | 4.2885% | 3,426 |
| Cash dividends to net income (ytd only)* | 70.5930% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 3,145 |
| Loan loss allowance to noncurrent loans | 115.1479% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 1,833 |
| Noncurrent loans to loans | 1.0905% | 2,211 |
| Net loans and leases to total assets | 77.1260% | 1,232 |
| Net loans and leases to deposits | 93.5700% | 1,184 |
| Net loans and leases to core deposits | 104.5577% | 1,155 |
| Total domestic deposits to total assets | 82.4259% | 4,086 |
| Equity capital to assets | 11.0456% | 2,891 |
| Core capital (leverage) ratio | 9.3204% | 4,468 |
| Tier 1 risk-based capital ratio | 12.4228% | 4,636 |
| Total risk-based capital ratio | 13.5417% | 4,625 |
| Memoranda: | ||
| Average total assets | $1,821,176,500 | 421 |
| Average earning assets | $1,634,357,500 | 431 |
| Average equity | $205,146,000 | 418 |
| Average total loans | $1,430,195,500 | 386 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 1,242 |
| Cost of funding earning assets | 0.5748% | 1,552 |
| Net interest margin | 4.0627% | 1,511 |
| Noninterest income to average assets | 1.1079% | 957 |
| Noninterest expense to average assets | 3.2494% | 1,839 |
| Loan and lease loss provision to assets | 0.0962% | 2,387 |
| Net operating income to assets | 0.9018% | 2,858 |
| Return on assets (ROA) | 0.8800% | 3,063 |
| Pretax return on assets | 1.3630% | 2,060 |
| Return on Equity (ROE) | 7.5734% | 3,203 |
| Retained earnings to average equity (ytd only) | 4.0702% | 3,109 |
| Net charge-offs to loans | 0.0267% | 3,698 |
| Credit loss provision to net charge-offs | 460.7242% | 669 |
| Earnings coverage of net charge-offs (x) | 71.5042% | 754 |
| Efficiency ratio | 68.4312% | 3,486 |
| Assets per employee ($millions) | 4.1809% | 3,608 |
| Cash dividends to net income (ytd only)* | 46.2565% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 2,908 |
| Loan loss allowance to noncurrent loans | 100.3468% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.3611% | 1,542 |
| Noncurrent loans to loans | 1.2944% | 1,819 |
| Net loans and leases to total assets | 77.9513% | 1,128 |
| Net loans and leases to deposits | 95.6712% | 1,048 |
| Net loans and leases to core deposits | 104.1361% | 1,213 |
| Total domestic deposits to total assets | 81.4784% | 4,344 |
| Equity capital to assets | 11.4943% | 2,368 |
| Core capital (leverage) ratio | 9.3901% | 4,335 |
| Tier 1 risk-based capital ratio | 12.8449% | 4,423 |
| Total risk-based capital ratio | 13.9956% | 4,388 |
| Memoranda: | ||
| Average total assets | $1,719,680,000 | 425 |
| Average earning assets | $1,538,320,800 | 429 |
| Average equity | $199,816,800 | 416 |
| Average total loans | $1,345,536,600 | 377 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 1,236 |
| Cost of funding earning assets | 0.5587% | 1,727 |
| Net interest margin | 4.0799% | 1,462 |
| Noninterest income to average assets | 1.1467% | 909 |
| Noninterest expense to average assets | 3.2856% | 1,723 |
| Loan and lease loss provision to assets | 0.1026% | 2,143 |
| Net operating income to assets | 0.9044% | 2,942 |
| Return on assets (ROA) | 0.8752% | 3,148 |
| Pretax return on assets | 1.3551% | 2,197 |
| Return on Equity (ROE) | 7.5109% | 3,332 |
| Retained earnings to average equity (ytd only) | 3.9883% | 3,627 |
| Net charge-offs to loans | 0.0251% | 3,436 |
| Credit loss provision to net charge-offs | 522.7092% | 631 |
| Earnings coverage of net charge-offs (x) | 76.5773% | 769 |
| Efficiency ratio | 68.5237% | 3,445 |
| Assets per employee ($millions) | 4.1473% | 3,625 |
| Cash dividends to net income (ytd only)* | 46.9002% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 3,046 |
| Loan loss allowance to noncurrent loans | 95.7331% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.7679% | 1,222 |
| Noncurrent loans to loans | 1.3665% | 1,874 |
| Net loans and leases to total assets | 77.0183% | 1,249 |
| Net loans and leases to deposits | 100.2969% | 641 |
| Net loans and leases to core deposits | 110.9110% | 826 |
| Total domestic deposits to total assets | 76.7904% | 5,376 |
| Equity capital to assets | 11.4960% | 2,513 |
| Core capital (leverage) ratio | 9.7383% | 3,984 |
| Tier 1 risk-based capital ratio | 12.7868% | 4,559 |
| Total risk-based capital ratio | 13.9299% | 4,531 |
| Memoranda: | ||
| Average total assets | $1,705,383,750 | 432 |
| Average earning assets | $1,522,184,000 | 435 |
| Average equity | $198,711,500 | 420 |
| Average total loans | $1,331,091,250 | 385 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 1,221 |
| Cost of funding earning assets | 0.5466% | 1,850 |
| Net interest margin | 4.0784% | 1,415 |
| Noninterest income to average assets | 1.1154% | 972 |
| Noninterest expense to average assets | 3.2218% | 1,917 |
| Loan and lease loss provision to assets | 0.1101% | 1,997 |
| Net operating income to assets | 0.9206% | 2,781 |
| Return on assets (ROA) | 0.8841% | 3,082 |
| Pretax return on assets | 1.3682% | 2,117 |
| Return on Equity (ROE) | 7.5519% | 3,290 |
| Retained earnings to average equity (ytd only) | 4.0060% | 3,469 |
| Net charge-offs to loans | 0.0020% | 3,832 |
| Credit loss provision to net charge-offs | 7,138.4615% | 69 |
| Earnings coverage of net charge-offs (x) | 995.2308% | 58 |
| Efficiency ratio | 67.6383% | 3,726 |
| Assets per employee ($millions) | 4.0353% | 3,810 |
| Cash dividends to net income (ytd only)* | 46.9547% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,206 |
| Loan loss allowance to noncurrent loans | 93.7986% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.8116% | 1,270 |
| Noncurrent loans to loans | 1.3934% | 1,938 |
| Net loans and leases to total assets | 77.1309% | 1,196 |
| Net loans and leases to deposits | 104.2053% | 439 |
| Net loans and leases to core deposits | 114.2799% | 652 |
| Total domestic deposits to total assets | 74.0181% | 5,791 |
| Equity capital to assets | 11.4457% | 2,463 |
| Core capital (leverage) ratio | 9.8016% | 3,862 |
| Tier 1 risk-based capital ratio | 12.6255% | 4,723 |
| Total risk-based capital ratio | 13.7559% | 4,718 |
| Memoranda: | ||
| Average total assets | $1,686,315,670 | 435 |
| Average earning assets | $1,505,387,330 | 439 |
| Average equity | $197,406,330 | 424 |
| Average total loans | $1,316,285,000 | 391 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 1,360 |
| Cost of funding earning assets | 0.5375% | 1,949 |
| Net interest margin | 3.9989% | 1,556 |
| Noninterest income to average assets | 1.2629% | 718 |
| Noninterest expense to average assets | 3.2392% | 1,875 |
| Loan and lease loss provision to assets | 0.0925% | 2,145 |
| Net operating income to assets | 0.9652% | 2,423 |
| Return on assets (ROA) | 0.9745% | 2,504 |
| Pretax return on assets | 1.5130% | 1,523 |
| Return on Equity (ROE) | 8.2278% | 2,839 |
| Retained earnings to average equity (ytd only) | 4.6585% | 3,230 |
| Net charge-offs to loans | -0.0570% | 5,581 |
| Credit loss provision to net charge-offs | -208.1522% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9467% | 3,994 |
| Assets per employee ($millions) | 3.9195% | 4,124 |
| Cash dividends to net income (ytd only)* | 43.3813% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 3,276 |
| Loan loss allowance to noncurrent loans | 74.6173% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 2.1323% | 1,081 |
| Noncurrent loans to loans | 1.7756% | 1,532 |
| Net loans and leases to total assets | 77.1545% | 1,036 |
| Net loans and leases to deposits | 97.6032% | 710 |
| Net loans and leases to core deposits | 108.0696% | 821 |
| Total domestic deposits to total assets | 79.0492% | 5,253 |
| Equity capital to assets | 11.6832% | 2,310 |
| Core capital (leverage) ratio | 10.6855% | 2,761 |
| Tier 1 risk-based capital ratio | 12.7655% | 4,747 |
| Total risk-based capital ratio | 13.8955% | 4,733 |
| Memoranda: | ||
| Average total assets | $1,655,833,000 | 439 |
| Average earning assets | $1,477,113,500 | 447 |
| Average equity | $196,115,500 | 428 |
| Average total loans | $1,291,657,000 | 390 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 1,611 |
| Cost of funding earning assets | 0.5528% | 2,185 |
| Net interest margin | 4.0294% | 1,808 |
| Noninterest income to average assets | 1.0220% | 1,168 |
| Noninterest expense to average assets | 3.2748% | 1,994 |
| Loan and lease loss provision to assets | 0.1229% | 2,134 |
| Net operating income to assets | 0.8047% | 3,346 |
| Return on assets (ROA) | 0.7975% | 3,483 |
| Pretax return on assets | 1.2315% | 2,522 |
| Return on Equity (ROE) | 6.6900% | 3,796 |
| Retained earnings to average equity (ytd only) | 2.4378% | 4,494 |
| Net charge-offs to loans | 0.1592% | 2,443 |
| Credit loss provision to net charge-offs | 99.3949% | 2,448 |
| Earnings coverage of net charge-offs (x) | 11.0429% | 2,554 |
| Efficiency ratio | 70.4202% | 3,469 |
| Assets per employee ($millions) | 3.7210% | 4,488 |
| Cash dividends to net income (ytd only)* | 63.5603% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 3,226 |
| Loan loss allowance to noncurrent loans | 57.2254% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.6487% | 850 |
| Noncurrent loans to loans | 2.3439% | 1,110 |
| Net loans and leases to total assets | 76.7712% | 1,160 |
| Net loans and leases to deposits | 96.9090% | 839 |
| Net loans and leases to core deposits | 108.5284% | 855 |
| Total domestic deposits to total assets | 79.2200% | 5,198 |
| Equity capital to assets | 12.0113% | 2,012 |
| Core capital (leverage) ratio | 12.0802% | 1,575 |
| Tier 1 risk-based capital ratio | 13.9533% | 4,122 |
| Total risk-based capital ratio | 15.1574% | 4,095 |
| Memoranda: | ||
| Average total assets | $1,603,793,200 | 437 |
| Average earning assets | $1,440,125,200 | 437 |
| Average equity | $191,196,200 | 417 |
| Average total loans | $1,245,721,800 | 378 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 1,626 |
| Cost of funding earning assets | 0.5485% | 2,308 |
| Net interest margin | 4.0264% | 1,800 |
| Noninterest income to average assets | 1.0313% | 1,156 |
| Noninterest expense to average assets | 3.2668% | 1,976 |
| Loan and lease loss provision to assets | 0.1676% | 1,475 |
| Net operating income to assets | 0.7899% | 3,471 |
| Return on assets (ROA) | 0.7804% | 3,618 |
| Pretax return on assets | 1.2058% | 2,753 |
| Return on Equity (ROE) | 6.5586% | 3,930 |
| Retained earnings to average equity (ytd only) | 2.0881% | 5,008 |
| Net charge-offs to loans | 0.1887% | 1,954 |
| Credit loss provision to net charge-offs | 114.3995% | 1,986 |
| Earnings coverage of net charge-offs (x) | 9.4752% | 2,667 |
| Efficiency ratio | 70.0161% | 3,504 |
| Assets per employee ($millions) | 3.7325% | 4,431 |
| Cash dividends to net income (ytd only)* | 68.1624% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 3,291 |
| Loan loss allowance to noncurrent loans | 53.2215% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 2.8322% | 863 |
| Noncurrent loans to loans | 2.5811% | 1,116 |
| Net loans and leases to total assets | 77.1132% | 1,078 |
| Net loans and leases to deposits | 97.7396% | 751 |
| Net loans and leases to core deposits | 106.8891% | 908 |
| Total domestic deposits to total assets | 78.8965% | 5,350 |
| Equity capital to assets | 12.0531% | 2,014 |
| Core capital (leverage) ratio | 12.1609% | 1,597 |
| Tier 1 risk-based capital ratio | 13.9741% | 4,235 |
| Total risk-based capital ratio | 15.2064% | 4,187 |
| Memoranda: | ||
| Average total assets | $1,599,152,750 | 437 |
| Average earning assets | $1,439,147,500 | 434 |
| Average equity | $190,278,750 | 418 |
| Average total loans | $1,241,543,500 | 377 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 1,860 |
| Cost of funding earning assets | 0.5478% | 2,367 |
| Net interest margin | 3.9420% | 2,007 |
| Noninterest income to average assets | 1.0162% | 1,154 |
| Noninterest expense to average assets | 3.3008% | 1,919 |
| Loan and lease loss provision to assets | 0.1144% | 2,127 |
| Net operating income to assets | 0.7441% | 3,598 |
| Return on assets (ROA) | 0.7656% | 3,591 |
| Pretax return on assets | 1.1855% | 2,734 |
| Return on Equity (ROE) | 6.4624% | 3,903 |
| Retained earnings to average equity (ytd only) | 1.5726% | 5,112 |
| Net charge-offs to loans | 0.0289% | 3,613 |
| Credit loss provision to net charge-offs | 510.6145% | 574 |
| Earnings coverage of net charge-offs (x) | 56.5587% | 838 |
| Efficiency ratio | 72.0778% | 3,322 |
| Assets per employee ($millions) | 3.6741% | 4,498 |
| Cash dividends to net income (ytd only)* | 75.6660% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 3,472 |
| Loan loss allowance to noncurrent loans | 58.8764% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 2.5953% | 1,057 |
| Noncurrent loans to loans | 2.3352% | 1,378 |
| Net loans and leases to total assets | 76.8797% | 1,064 |
| Net loans and leases to deposits | 95.1287% | 870 |
| Net loans and leases to core deposits | 106.6808% | 858 |
| Total domestic deposits to total assets | 80.8165% | 5,039 |
| Equity capital to assets | 11.5454% | 2,378 |
| Core capital (leverage) ratio | 11.7103% | 1,845 |
| Tier 1 risk-based capital ratio | 13.4733% | 4,602 |
| Total risk-based capital ratio | 14.7039% | 4,554 |
| Memoranda: | ||
| Average total assets | $1,598,461,670 | 440 |
| Average earning assets | $1,440,031,000 | 435 |
| Average equity | $189,372,670 | 415 |
| Average total loans | $1,238,073,330 | 375 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 1,885 |
| Cost of funding earning assets | 0.5549% | 2,386 |
| Net interest margin | 3.9195% | 2,016 |
| Noninterest income to average assets | 0.9242% | 1,321 |
| Noninterest expense to average assets | 3.1939% | 2,258 |
| Loan and lease loss provision to assets | 0.0745% | 2,646 |
| Net operating income to assets | 0.7655% | 3,333 |
| Return on assets (ROA) | 0.7055% | 3,736 |
| Pretax return on assets | 1.0992% | 2,903 |
| Return on Equity (ROE) | 5.8763% | 4,086 |
| Retained earnings to average equity (ytd only) | -0.2245% | 5,602 |
| Net charge-offs to loans | 0.0455% | 2,746 |
| Credit loss provision to net charge-offs | 212.3188% | 993 |
| Earnings coverage of net charge-offs (x) | 36.1159% | 935 |
| Efficiency ratio | 71.5898% | 3,560 |
| Assets per employee ($millions) | 3.6693% | 4,590 |
| Cash dividends to net income (ytd only)* | 103.8212% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 3,587 |
| Loan loss allowance to noncurrent loans | 56.8314% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.6771% | 1,144 |
| Noncurrent loans to loans | 2.4684% | 1,406 |
| Net loans and leases to total assets | 75.8218% | 1,020 |
| Net loans and leases to deposits | 90.0224% | 1,149 |
| Net loans and leases to core deposits | 109.5323% | 603 |
| Total domestic deposits to total assets | 84.2256% | 4,202 |
| Equity capital to assets | 11.9259% | 1,920 |
| Core capital (leverage) ratio | 12.1063% | 1,594 |
| Tier 1 risk-based capital ratio | 14.0102% | 4,328 |
| Total risk-based capital ratio | 15.2561% | 4,272 |
| Memoranda: | ||
| Average total assets | $1,572,850,000 | 449 |
| Average earning assets | $1,419,449,000 | 448 |
| Average equity | $188,827,500 | 414 |
| Average total loans | $1,214,133,500 | 379 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6702% | 1,654 |
| Cost of funding earning assets | 0.6468% | 2,230 |
| Net interest margin | 4.0234% | 1,889 |
| Noninterest income to average assets | 1.2459% | 896 |
| Noninterest expense to average assets | 3.2015% | 2,414 |
| Loan and lease loss provision to assets | 0.1178% | 2,846 |
| Net operating income to assets | 1.0337% | 2,187 |
| Return on assets (ROA) | 0.9632% | 2,567 |
| Pretax return on assets | 1.4510% | 1,611 |
| Return on Equity (ROE) | 8.1243% | 2,970 |
| Retained earnings to average equity (ytd only) | 5.3250% | 2,396 |
| Net charge-offs to loans | 0.0503% | 4,515 |
| Credit loss provision to net charge-offs | 311.5120% | 734 |
| Earnings coverage of net charge-offs (x) | 44.3179% | 870 |
| Efficiency ratio | 65.6446% | 4,629 |
| Assets per employee ($millions) | 3.5875% | 4,718 |
| Cash dividends to net income (ytd only)* | 34.4551% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 3,650 |
| Loan loss allowance to noncurrent loans | 48.2887% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 2.9646% | 1,073 |
| Noncurrent loans to loans | 2.9018% | 1,206 |
| Net loans and leases to total assets | 76.4046% | 1,018 |
| Net loans and leases to deposits | 91.7443% | 1,084 |
| Net loans and leases to core deposits | 109.6699% | 618 |
| Total domestic deposits to total assets | 83.2800% | 4,436 |
| Equity capital to assets | 12.0862% | 1,745 |
| Core capital (leverage) ratio | 12.3045% | 1,446 |
| Tier 1 risk-based capital ratio | 14.1619% | 4,179 |
| Total risk-based capital ratio | 15.4089% | 4,132 |
| Memoranda: | ||
| Average total assets | $1,539,392,200 | 445 |
| Average earning assets | $1,389,286,800 | 444 |
| Average equity | $182,514,800 | 419 |
| Average total loans | $1,156,349,000 | 385 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 1,627 |
| Cost of funding earning assets | 0.6645% | 2,220 |
| Net interest margin | 4.0245% | 1,861 |
| Noninterest income to average assets | 1.3310% | 833 |
| Noninterest expense to average assets | 3.2344% | 2,248 |
| Loan and lease loss provision to assets | 0.1160% | 2,842 |
| Net operating income to assets | 1.0790% | 2,089 |
| Return on assets (ROA) | 0.9985% | 2,469 |
| Pretax return on assets | 1.4890% | 1,644 |
| Return on Equity (ROE) | 8.4636% | 2,896 |
| Retained earnings to average equity (ytd only) | 6.3088% | 2,228 |
| Net charge-offs to loans | 0.0372% | 4,403 |
| Credit loss provision to net charge-offs | 418.4953% | 638 |
| Earnings coverage of net charge-offs (x) | 62.2261% | 735 |
| Efficiency ratio | 65.2151% | 4,617 |
| Assets per employee ($millions) | 3.5746% | 4,700 |
| Cash dividends to net income (ytd only)* | 25.4591% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 3,744 |
| Loan loss allowance to noncurrent loans | 50.5103% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 2.7677% | 1,357 |
| Noncurrent loans to loans | 2.8469% | 1,451 |
| Net loans and leases to total assets | 75.2992% | 1,101 |
| Net loans and leases to deposits | 91.5324% | 1,019 |
| Net loans and leases to core deposits | 102.4361% | 962 |
| Total domestic deposits to total assets | 82.2651% | 4,843 |
| Equity capital to assets | 12.2707% | 1,731 |
| Core capital (leverage) ratio | 12.5330% | 1,407 |
| Tier 1 risk-based capital ratio | 14.5145% | 4,065 |
| Total risk-based capital ratio | 15.7648% | 4,021 |
| Memoranda: | ||
| Average total assets | $1,534,097,500 | 447 |
| Average earning assets | $1,383,146,500 | 445 |
| Average equity | $180,990,000 | 424 |
| Average total loans | $1,143,113,000 | 389 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 1,605 |
| Cost of funding earning assets | 0.6824% | 2,204 |
| Net interest margin | 4.0042% | 1,843 |
| Noninterest income to average assets | 1.3552% | 853 |
| Noninterest expense to average assets | 3.2549% | 2,203 |
| Loan and lease loss provision to assets | 0.1224% | 2,793 |
| Net operating income to assets | 1.0903% | 1,952 |
| Return on assets (ROA) | 0.9889% | 2,522 |
| Pretax return on assets | 1.4382% | 1,805 |
| Return on Equity (ROE) | 8.4944% | 2,847 |
| Retained earnings to average equity (ytd only) | 6.3161% | 2,253 |
| Net charge-offs to loans | 0.0190% | 4,465 |
| Credit loss provision to net charge-offs | 871.2963% | 350 |
| Earnings coverage of net charge-offs (x) | 121.5741% | 399 |
| Efficiency ratio | 65.5904% | 4,620 |
| Assets per employee ($millions) | 3.6614% | 4,489 |
| Cash dividends to net income (ytd only)* | 25.6444% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 3,738 |
| Loan loss allowance to noncurrent loans | 53.3550% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 2.7154% | 1,536 |
| Noncurrent loans to loans | 2.7472% | 1,656 |
| Net loans and leases to total assets | 74.2809% | 1,208 |
| Net loans and leases to deposits | 88.7169% | 1,264 |
| Net loans and leases to core deposits | 98.1203% | 1,207 |
| Total domestic deposits to total assets | 83.7281% | 4,442 |
| Equity capital to assets | 12.2650% | 1,730 |
| Core capital (leverage) ratio | 12.5531% | 1,339 |
| Tier 1 risk-based capital ratio | 14.4725% | 4,121 |
| Total risk-based capital ratio | 15.7228% | 4,077 |
| Memoranda: | ||
| Average total assets | $1,537,872,330 | 449 |
| Average earning assets | $1,385,395,000 | 444 |
| Average equity | $179,035,000 | 429 |
| Average total loans | $1,136,362,330 | 389 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 1,527 |
| Cost of funding earning assets | 0.7059% | 2,156 |
| Net interest margin | 3.9972% | 1,798 |
| Noninterest income to average assets | 1.4939% | 693 |
| Noninterest expense to average assets | 3.1783% | 2,421 |
| Loan and lease loss provision to assets | 0.2275% | 1,614 |
| Net operating income to assets | 1.2253% | 1,448 |
| Return on assets (ROA) | 1.0955% | 1,982 |
| Pretax return on assets | 1.5068% | 1,538 |
| Return on Equity (ROE) | 9.6583% | 2,203 |
| Retained earnings to average equity (ytd only) | 7.4514% | 1,961 |
| Net charge-offs to loans | 0.0681% | 3,152 |
| Credit loss provision to net charge-offs | 456.7010% | 577 |
| Earnings coverage of net charge-offs (x) | 38.3918% | 821 |
| Efficiency ratio | 62.4370% | 5,248 |
| Assets per employee ($millions) | 3.7635% | 4,425 |
| Cash dividends to net income (ytd only)* | 22.8498% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 4,053 |
| Loan loss allowance to noncurrent loans | 51.3940% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 2.7524% | 1,650 |
| Noncurrent loans to loans | 2.8018% | 1,808 |
| Net loans and leases to total assets | 73.8568% | 1,099 |
| Net loans and leases to deposits | 88.4228% | 1,105 |
| Net loans and leases to core deposits | 98.1136% | 1,070 |
| Total domestic deposits to total assets | 83.5268% | 4,658 |
| Equity capital to assets | 11.8082% | 2,169 |
| Core capital (leverage) ratio | 12.2011% | 1,460 |
| Tier 1 risk-based capital ratio | 14.0528% | 4,473 |
| Total risk-based capital ratio | 15.2909% | 4,438 |
| Memoranda: | ||
| Average total assets | $1,558,054,500 | 444 |
| Average earning assets | $1,401,890,000 | 445 |
| Average equity | $176,718,000 | 434 |
| Average total loans | $1,140,088,500 | 393 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 2,895 |
| Cost of funding earning assets | 0.7839% | 2,793 |
| Net interest margin | 3.8421% | 3,052 |
| Noninterest income to average assets | 1.3372% | 866 |
| Noninterest expense to average assets | 3.1144% | 2,888 |
| Loan and lease loss provision to assets | 0.6013% | 917 |
| Net operating income to assets | 0.9189% | 2,720 |
| Return on assets (ROA) | 0.1072% | 6,140 |
| Pretax return on assets | 0.1238% | 6,114 |
| Return on Equity (ROE) | 0.9236% | 6,146 |
| Retained earnings to average equity (ytd only) | -9.6065% | 6,622 |
| Net charge-offs to loans | 0.5668% | 2,032 |
| Credit loss provision to net charge-offs | 157.8363% | 1,702 |
| Earnings coverage of net charge-offs (x) | 4.3526% | 3,400 |
| Efficiency ratio | 65.2574% | 4,656 |
| Assets per employee ($millions) | 4.0397% | 3,867 |
| Cash dividends to net income (ytd only)* | 1,140.0972% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 4,271 |
| Loan loss allowance to noncurrent loans | 45.7680% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 2.8113% | 1,701 |
| Noncurrent loans to loans | 3.0096% | 1,727 |
| Net loans and leases to total assets | 70.5102% | 1,739 |
| Net loans and leases to deposits | 86.6275% | 1,426 |
| Net loans and leases to core deposits | 97.7409% | 1,160 |
| Total domestic deposits to total assets | 81.3947% | 5,280 |
| Equity capital to assets | 10.8982% | 3,069 |
| Core capital (leverage) ratio | 11.4085% | 1,934 |
| Tier 1 risk-based capital ratio | 13.4926% | 4,754 |
| Total risk-based capital ratio | 14.6514% | 4,775 |
| Memoranda: | ||
| Average total assets | $1,535,945,800 | 441 |
| Average earning assets | $1,373,306,600 | 447 |
| Average equity | $178,213,000 | 422 |
| Average total loans | $1,032,276,600 | 414 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 2,938 |
| Cost of funding earning assets | 0.7981% | 2,961 |
| Net interest margin | 3.8692% | 3,030 |
| Noninterest income to average assets | 1.3217% | 843 |
| Noninterest expense to average assets | 3.1074% | 2,866 |
| Loan and lease loss provision to assets | 0.6821% | 756 |
| Net operating income to assets | 0.6682% | 4,052 |
| Return on assets (ROA) | -0.0980% | 6,497 |
| Pretax return on assets | -0.2082% | 6,545 |
| Return on Equity (ROE) | -0.8314% | 6,490 |
| Retained earnings to average equity (ytd only) | -14.7867% | 6,901 |
| Net charge-offs to loans | 0.6815% | 1,620 |
| Credit loss provision to net charge-offs | 151.4402% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.7102% | 3,545 |
| Efficiency ratio | 65.0297% | 4,623 |
| Assets per employee ($millions) | 3.6571% | 4,638 |
| Cash dividends to net income (ytd only)* | -1,678.5326% | 7,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 4,316 |
| Loan loss allowance to noncurrent loans | 38.1109% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 3.2311% | 1,591 |
| Noncurrent loans to loans | 3.7101% | 1,434 |
| Net loans and leases to total assets | 69.1210% | 2,085 |
| Net loans and leases to deposits | 81.4349% | 2,192 |
| Net loans and leases to core deposits | 91.3860% | 1,837 |
| Total domestic deposits to total assets | 84.8788% | 3,800 |
| Equity capital to assets | 11.2045% | 3,031 |
| Core capital (leverage) ratio | 11.8580% | 1,743 |
| Tier 1 risk-based capital ratio | 13.5998% | 4,821 |
| Total risk-based capital ratio | 14.7294% | 4,851 |
| Memoranda: | ||
| Average total assets | $1,521,014,000 | 443 |
| Average earning assets | $1,358,883,500 | 444 |
| Average equity | $179,291,250 | 418 |
| Average total loans | $1,005,139,250 | 423 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 3,017 |
| Cost of funding earning assets | 0.8111% | 3,103 |
| Net interest margin | 3.8659% | 3,060 |
| Noninterest income to average assets | 1.2497% | 913 |
| Noninterest expense to average assets | 3.0717% | 3,011 |
| Loan and lease loss provision to assets | 0.5367% | 1,153 |
| Net operating income to assets | 0.7491% | 3,608 |
| Return on assets (ROA) | -0.6349% | 6,820 |
| Pretax return on assets | -1.0705% | 6,914 |
| Return on Equity (ROE) | -5.2999% | 6,783 |
| Retained earnings to average equity (ytd only) | -5.2999% | 6,636 |
| Net charge-offs to loans | 0.4992% | 2,087 |
| Credit loss provision to net charge-offs | 166.0308% | 1,686 |
| Earnings coverage of net charge-offs (x) | 5.0390% | 2,922 |
| Efficiency ratio | 65.3484% | 4,659 |
| Assets per employee ($millions) | 3.7643% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 4,548 |
| Loan loss allowance to noncurrent loans | 33.7501% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 3.5228% | 1,512 |
| Noncurrent loans to loans | 4.0770% | 1,347 |
| Net loans and leases to total assets | 66.9401% | 2,475 |
| Net loans and leases to deposits | 80.4261% | 2,325 |
| Net loans and leases to core deposits | 88.1765% | 2,190 |
| Total domestic deposits to total assets | 83.2319% | 4,664 |
| Equity capital to assets | 12.2777% | 1,948 |
| Core capital (leverage) ratio | 12.9831% | 1,156 |
| Tier 1 risk-based capital ratio | 15.1033% | 3,705 |
| Total risk-based capital ratio | 16.1824% | 3,760 |
| Memoranda: | ||
| Average total assets | $1,524,560,670 | 439 |
| Average earning assets | $1,360,873,330 | 446 |
| Average equity | $182,645,000 | 405 |
| Average total loans | $987,199,670 | 426 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 2,987 |
| Cost of funding earning assets | 0.8281% | 3,253 |
| Net interest margin | 3.8892% | 2,972 |
| Noninterest income to average assets | 1.1296% | 1,105 |
| Noninterest expense to average assets | 2.7752% | 4,139 |
| Loan and lease loss provision to assets | 0.4926% | 1,238 |
| Net operating income to assets | 0.9317% | 2,782 |
| Return on assets (ROA) | -1.7277% | 7,134 |
| Pretax return on assets | -2.8256% | 7,200 |
| Return on Equity (ROE) | -14.5972% | 7,062 |
| Retained earnings to average equity (ytd only) | -14.5972% | 6,965 |
| Net charge-offs to loans | 0.3163% | 2,380 |
| Credit loss provision to net charge-offs | 246.2338% | 1,159 |
| Earnings coverage of net charge-offs (x) | 9.1091% | 1,881 |
| Efficiency ratio | 60.3639% | 5,566 |
| Assets per employee ($millions) | 3.8201% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 4,658 |
| Loan loss allowance to noncurrent loans | 34.4073% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 3.1075% | 1,871 |
| Noncurrent loans to loans | 4.0398% | 1,509 |
| Net loans and leases to total assets | 62.9451% | 3,056 |
| Net loans and leases to deposits | 74.8618% | 2,991 |
| Net loans and leases to core deposits | 82.6583% | 2,739 |
| Total domestic deposits to total assets | 84.0817% | 4,445 |
| Equity capital to assets | 12.0397% | 2,010 |
| Core capital (leverage) ratio | 12.6872% | 1,253 |
| Tier 1 risk-based capital ratio | 15.1772% | 3,638 |
| Total risk-based capital ratio | 16.2322% | 3,732 |
| Memoranda: | ||
| Average total assets | $1,539,628,500 | 437 |
| Average earning assets | $1,372,837,000 | 441 |
| Average equity | $182,227,000 | 399 |
| Average total loans | $973,636,000 | 429 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 4,646 |
| Cost of funding earning assets | 1.0124% | 3,285 |
| Net interest margin | 3.5963% | 4,750 |
| Noninterest income to average assets | 1.1876% | 939 |
| Noninterest expense to average assets | 2.8571% | 4,141 |
| Loan and lease loss provision to assets | 0.2866% | 3,369 |
| Net operating income to assets | 0.7969% | 3,050 |
| Return on assets (ROA) | 0.6038% | 4,171 |
| Pretax return on assets | 0.9318% | 3,505 |
| Return on Equity (ROE) | 5.2245% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.2245% | 2,495 |
| Net charge-offs to loans | 0.5693% | 2,745 |
| Credit loss provision to net charge-offs | 87.2973% | 4,139 |
| Earnings coverage of net charge-offs (x) | 4.6164% | 3,047 |
| Efficiency ratio | 65.3412% | 4,895 |
| Assets per employee ($millions) | 3.8776% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 5,117 |
| Loan loss allowance to noncurrent loans | 30.9675% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 3.1678% | 1,888 |
| Noncurrent loans to loans | 4.0662% | 1,533 |
| Net loans and leases to total assets | 61.8729% | 3,625 |
| Net loans and leases to deposits | 75.7755% | 3,210 |
| Net loans and leases to core deposits | 85.2904% | 2,717 |
| Total domestic deposits to total assets | 81.6528% | 5,253 |
| Equity capital to assets | 11.6378% | 2,397 |
| Core capital (leverage) ratio | 12.5862% | 1,315 |
| Tier 1 risk-based capital ratio | 14.0375% | 4,302 |
| Total risk-based capital ratio | 14.9049% | 4,546 |
| Memoranda: | ||
| Average total assets | $1,597,098,600 | 414 |
| Average earning assets | $1,414,473,400 | 424 |
| Average equity | $184,572,600 | 381 |
| Average total loans | $920,890,600 | 455 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 5,435 |
| Cost of funding earning assets | 1.0932% | 3,028 |
| Net interest margin | 3.3551% | 5,699 |
| Noninterest income to average assets | 1.2461% | 834 |
| Noninterest expense to average assets | 2.7725% | 4,453 |
| Loan and lease loss provision to assets | 0.1849% | 4,186 |
| Net operating income to assets | 0.7912% | 3,208 |
| Return on assets (ROA) | 0.6630% | 3,979 |
| Pretax return on assets | 1.0559% | 3,188 |
| Return on Equity (ROE) | 5.7470% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.7470% | 2,709 |
| Net charge-offs to loans | 0.4866% | 2,796 |
| Credit loss provision to net charge-offs | 67.3216% | 4,565 |
| Earnings coverage of net charge-offs (x) | 5.2464% | 2,837 |
| Efficiency ratio | 65.7989% | 4,751 |
| Assets per employee ($millions) | 4.0210% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 5,277 |
| Loan loss allowance to noncurrent loans | 34.8915% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 2.8695% | 2,257 |
| Noncurrent loans to loans | 3.5667% | 1,927 |
| Net loans and leases to total assets | 59.9033% | 4,147 |
| Net loans and leases to deposits | 72.7935% | 3,834 |
| Net loans and leases to core deposits | 81.7075% | 3,370 |
| Total domestic deposits to total assets | 82.2920% | 4,975 |
| Equity capital to assets | 11.7273% | 2,471 |
| Core capital (leverage) ratio | 12.5568% | 1,413 |
| Tier 1 risk-based capital ratio | 14.2352% | 4,173 |
| Total risk-based capital ratio | 15.0959% | 4,424 |
| Memoranda: | ||
| Average total assets | $1,605,703,750 | 412 |
| Average earning assets | $1,420,188,750 | 420 |
| Average equity | $185,250,250 | 382 |
| Average total loans | $906,312,250 | 465 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 5,615 |
| Cost of funding earning assets | 1.1278% | 3,046 |
| Net interest margin | 3.2936% | 5,877 |
| Noninterest income to average assets | 1.2899% | 759 |
| Noninterest expense to average assets | 2.7888% | 4,474 |
| Loan and lease loss provision to assets | 0.0976% | 5,100 |
| Net operating income to assets | 0.8246% | 2,964 |
| Return on assets (ROA) | 0.6857% | 3,742 |
| Pretax return on assets | 1.0979% | 2,861 |
| Return on Equity (ROE) | 5.9753% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.9753% | 2,451 |
| Net charge-offs to loans | 0.3271% | 3,251 |
| Credit loss provision to net charge-offs | 54.1838% | 4,483 |
| Earnings coverage of net charge-offs (x) | 7.8388% | 2,157 |
| Efficiency ratio | 66.3784% | 4,805 |
| Assets per employee ($millions) | 3.9431% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 4,950 |
| Loan loss allowance to noncurrent loans | 37.0740% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 2.6744% | 2,497 |
| Noncurrent loans to loans | 3.5731% | 1,977 |
| Net loans and leases to total assets | 57.8420% | 4,662 |
| Net loans and leases to deposits | 70.6567% | 4,345 |
| Net loans and leases to core deposits | 79.6277% | 3,841 |
| Total domestic deposits to total assets | 81.8634% | 5,210 |
| Equity capital to assets | 11.8972% | 2,166 |
| Core capital (leverage) ratio | 12.4113% | 1,404 |
| Tier 1 risk-based capital ratio | 14.1966% | 4,017 |
| Total risk-based capital ratio | 15.0924% | 4,249 |
| Memoranda: | ||
| Average total assets | $1,618,205,670 | 416 |
| Average earning assets | $1,430,421,000 | 424 |
| Average equity | $185,697,670 | 387 |
| Average total loans | $891,336,330 | 480 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 5,664 |
| Cost of funding earning assets | 1.1547% | 3,130 |
| Net interest margin | 3.2528% | 5,914 |
| Noninterest income to average assets | 1.2034% | 879 |
| Noninterest expense to average assets | 2.9013% | 4,055 |
| Loan and lease loss provision to assets | 0.0322% | 5,571 |
| Net operating income to assets | 0.7206% | 3,431 |
| Return on assets (ROA) | 0.5729% | 4,240 |
| Pretax return on assets | 0.9094% | 3,461 |
| Return on Equity (ROE) | 5.0823% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.0823% | 3,132 |
| Net charge-offs to loans | 0.3553% | 2,641 |
| Credit loss provision to net charge-offs | 16.9666% | 4,297 |
| Earnings coverage of net charge-offs (x) | 6.1799% | 2,143 |
| Efficiency ratio | 71.2234% | 4,006 |
| Assets per employee ($millions) | 4.1121% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 4,670 |
| Loan loss allowance to noncurrent loans | 41.6800% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 2.4230% | 2,807 |
| Noncurrent loans to loans | 3.3557% | 2,231 |
| Net loans and leases to total assets | 52.4672% | 5,518 |
| Net loans and leases to deposits | 64.2131% | 5,223 |
| Net loans and leases to core deposits | 75.6202% | 4,350 |
| Total domestic deposits to total assets | 81.7080% | 5,423 |
| Equity capital to assets | 11.2941% | 2,419 |
| Core capital (leverage) ratio | 11.7183% | 1,725 |
| Tier 1 risk-based capital ratio | 13.7284% | 4,256 |
| Total risk-based capital ratio | 14.5974% | 4,528 |
| Memoranda: | ||
| Average total assets | $1,640,655,000 | 415 |
| Average earning assets | $1,447,605,500 | 421 |
| Average equity | $184,957,000 | 385 |
| Average total loans | $875,880,000 | 500 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 6,106 |
| Cost of funding earning assets | 1.3085% | 3,826 |
| Net interest margin | 3.2945% | 5,997 |
| Noninterest income to average assets | 1.3419% | 815 |
| Noninterest expense to average assets | 2.5800% | 5,505 |
| Loan and lease loss provision to assets | 0.6827% | 2,413 |
| Net operating income to assets | 0.6439% | 3,464 |
| Return on assets (ROA) | 0.5959% | 3,854 |
| Pretax return on assets | 0.9325% | 3,156 |
| Return on Equity (ROE) | 5.5872% | 3,803 |
| Retained earnings to average equity (ytd only) | 5.5872% | 2,071 |
| Net charge-offs to loans | 1.2074% | 1,858 |
| Credit loss provision to net charge-offs | 104.3419% | 4,307 |
| Earnings coverage of net charge-offs (x) | 2.5831% | 3,813 |
| Efficiency ratio | 60.4199% | 5,986 |
| Assets per employee ($millions) | 3.9532% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 4,210 |
| Loan loss allowance to noncurrent loans | 57.5938% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.2604% | 3,019 |
| Noncurrent loans to loans | 2.5455% | 2,981 |
| Net loans and leases to total assets | 52.7754% | 5,814 |
| Net loans and leases to deposits | 65.3716% | 5,469 |
| Net loans and leases to core deposits | 76.2221% | 4,677 |
| Total domestic deposits to total assets | 80.7313% | 5,611 |
| Equity capital to assets | 11.2526% | 2,451 |
| Core capital (leverage) ratio | 11.5960% | 1,785 |
| Tier 1 risk-based capital ratio | 14.0236% | 3,856 |
| Total risk-based capital ratio | 14.9712% | 4,021 |
| Memoranda: | ||
| Average total assets | $1,693,159,200 | 401 |
| Average earning assets | $1,504,884,400 | 409 |
| Average equity | $180,592,200 | 389 |
| Average total loans | $917,515,600 | 490 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 6,271 |
| Cost of funding earning assets | 1.3227% | 4,089 |
| Net interest margin | 3.3012% | 6,011 |
| Noninterest income to average assets | 1.2816% | 837 |
| Noninterest expense to average assets | 2.5723% | 5,422 |
| Loan and lease loss provision to assets | 0.6990% | 2,193 |
| Net operating income to assets | 0.6075% | 3,852 |
| Return on assets (ROA) | 0.5718% | 4,165 |
| Pretax return on assets | 0.8914% | 3,586 |
| Return on Equity (ROE) | 5.4330% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.4330% | 2,690 |
| Net charge-offs to loans | 1.1813% | 1,726 |
| Credit loss provision to net charge-offs | 108.8984% | 3,909 |
| Earnings coverage of net charge-offs (x) | 2.5646% | 3,876 |
| Efficiency ratio | 60.9758% | 5,801 |
| Assets per employee ($millions) | 3.9606% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 4,196 |
| Loan loss allowance to noncurrent loans | 49.2252% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 2.5389% | 2,827 |
| Noncurrent loans to loans | 2.9495% | 2,704 |
| Net loans and leases to total assets | 54.1790% | 5,825 |
| Net loans and leases to deposits | 67.9074% | 5,433 |
| Net loans and leases to core deposits | 83.3150% | 4,046 |
| Total domestic deposits to total assets | 79.7837% | 5,780 |
| Equity capital to assets | 10.9817% | 2,981 |
| Core capital (leverage) ratio | 11.4076% | 2,005 |
| Tier 1 risk-based capital ratio | 13.4141% | 4,258 |
| Total risk-based capital ratio | 14.3507% | 4,470 |
| Memoranda: | ||
| Average total assets | $1,706,307,750 | 393 |
| Average earning assets | $1,518,016,750 | 403 |
| Average equity | $179,588,750 | 386 |
| Average total loans | $927,220,500 | 483 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 6,451 |
| Cost of funding earning assets | 1.3367% | 4,283 |
| Net interest margin | 3.2671% | 6,115 |
| Noninterest income to average assets | 1.3373% | 707 |
| Noninterest expense to average assets | 2.4919% | 5,743 |
| Loan and lease loss provision to assets | 0.6618% | 2,180 |
| Net operating income to assets | 0.7021% | 3,397 |
| Return on assets (ROA) | 0.6549% | 3,761 |
| Pretax return on assets | 1.0265% | 3,021 |
| Return on Equity (ROE) | 6.3095% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.3095% | 2,162 |
| Net charge-offs to loans | 1.1161% | 1,698 |
| Credit loss provision to net charge-offs | 109.5247% | 3,723 |
| Earnings coverage of net charge-offs (x) | 2.9161% | 3,536 |
| Efficiency ratio | 58.5801% | 6,294 |
| Assets per employee ($millions) | 4.1394% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 4,357 |
| Loan loss allowance to noncurrent loans | 37.3982% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 3.1072% | 2,279 |
| Noncurrent loans to loans | 3.7824% | 2,042 |
| Net loans and leases to total assets | 52.4039% | 6,172 |
| Net loans and leases to deposits | 66.5266% | 5,744 |
| Net loans and leases to core deposits | 87.1726% | 3,667 |
| Total domestic deposits to total assets | 78.7715% | 6,093 |
| Equity capital to assets | 10.4091% | 3,516 |
| Core capital (leverage) ratio | 10.7942% | 2,398 |
| Tier 1 risk-based capital ratio | 13.8526% | 3,837 |
| Total risk-based capital ratio | 14.8231% | 3,992 |
| Memoranda: | ||
| Average total assets | $1,727,190,330 | 394 |
| Average earning assets | $1,541,869,670 | 399 |
| Average equity | $179,284,330 | 385 |
| Average total loans | $935,081,330 | 479 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 6,388 |
| Cost of funding earning assets | 1.3742% | 4,334 |
| Net interest margin | 3.2819% | 6,046 |
| Noninterest income to average assets | 0.9821% | 1,358 |
| Noninterest expense to average assets | 2.4888% | 5,767 |
| Loan and lease loss provision to assets | 0.6521% | 1,947 |
| Net operating income to assets | 0.5025% | 4,379 |
| Return on assets (ROA) | 0.4740% | 4,647 |
| Pretax return on assets | 0.7266% | 4,141 |
| Return on Equity (ROE) | 4.5732% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.5732% | 3,406 |
| Net charge-offs to loans | 1.1192% | 1,505 |
| Credit loss provision to net charge-offs | 106.6566% | 3,226 |
| Earnings coverage of net charge-offs (x) | 2.3264% | 3,383 |
| Efficiency ratio | 63.6337% | 5,559 |
| Assets per employee ($millions) | 4.1553% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 4,721 |
| Loan loss allowance to noncurrent loans | 42.2845% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 3.2674% | 2,195 |
| Noncurrent loans to loans | 3.1747% | 2,524 |
| Net loans and leases to total assets | 53.2880% | 6,118 |
| Net loans and leases to deposits | 64.7928% | 5,961 |
| Net loans and leases to core deposits | 89.1151% | 3,482 |
| Total domestic deposits to total assets | 82.2436% | 4,961 |
| Equity capital to assets | 10.4057% | 3,335 |
| Core capital (leverage) ratio | 10.5447% | 2,577 |
| Tier 1 risk-based capital ratio | 13.9441% | 3,697 |
| Total risk-based capital ratio | 14.9093% | 3,844 |
| Memoranda: | ||
| Average total assets | $1,729,796,000 | 410 |
| Average earning assets | $1,543,851,000 | 414 |
| Average equity | $179,305,500 | 389 |
| Average total loans | $944,955,500 | 495 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0971% | 6,097 |
| Cost of funding earning assets | 1.7034% | 4,489 |
| Net interest margin | 3.3937% | 5,393 |
| Noninterest income to average assets | 1.3096% | 875 |
| Noninterest expense to average assets | 2.3631% | 6,565 |
| Loan and lease loss provision to assets | 0.6805% | 3,101 |
| Net operating income to assets | 1.2814% | 1,070 |
| Return on assets (ROA) | 0.3935% | 4,249 |
| Pretax return on assets | 0.4123% | 4,462 |
| Return on Equity (ROE) | 4.2157% | 3,996 |
| Retained earnings to average equity (ytd only) | 2.7636% | 3,226 |
| Net charge-offs to loans | 0.9685% | 2,470 |
| Credit loss provision to net charge-offs | 125.8369% | 4,152 |
| Earnings coverage of net charge-offs (x) | 3.7490% | 3,218 |
| Efficiency ratio | 53.8220% | 7,250 |
| Assets per employee ($millions) | 4.1312% | 3,557 |
| Cash dividends to net income (ytd only)* | 34.4444% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 4,752 |
| Loan loss allowance to noncurrent loans | 29.5596% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 3.0789% | 2,256 |
| Noncurrent loans to loans | 4.4036% | 1,627 |
| Net loans and leases to total assets | 54.5262% | 6,139 |
| Net loans and leases to deposits | 69.4848% | 5,672 |
| Net loans and leases to core deposits | 97.6086% | 4,268 |
| Total domestic deposits to total assets | 78.4721% | 6,129 |
| Equity capital to assets | 10.3256% | 3,372 |
| Core capital (leverage) ratio | 10.4657% | 2,641 |
| Tier 1 risk-based capital ratio | 13.6674% | 3,707 |
| Total risk-based capital ratio | 14.6122% | 3,849 |
| Memoranda: | ||
| Average total assets | $1,784,152,200 | 397 |
| Average earning assets | $1,619,778,200 | 394 |
| Average equity | $166,521,800 | 417 |
| Average total loans | $996,258,200 | 478 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1787% | 5,966 |
| Cost of funding earning assets | 1.7580% | 4,602 |
| Net interest margin | 3.4207% | 5,180 |
| Noninterest income to average assets | 1.3718% | 802 |
| Noninterest expense to average assets | 2.3094% | 6,674 |
| Loan and lease loss provision to assets | 0.7451% | 2,507 |
| Net operating income to assets | 1.4871% | 840 |
| Return on assets (ROA) | 0.3804% | 4,583 |
| Pretax return on assets | 0.3262% | 4,989 |
| Return on Equity (ROE) | 4.1823% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.2114% | 4,092 |
| Net charge-offs to loans | 0.9577% | 2,062 |
| Credit loss provision to net charge-offs | 138.9657% | 3,557 |
| Earnings coverage of net charge-offs (x) | 4.0624% | 3,279 |
| Efficiency ratio | 51.4637% | 7,450 |
| Assets per employee ($millions) | 4.0506% | 3,634 |
| Cash dividends to net income (ytd only)* | 47.1253% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 4,647 |
| Loan loss allowance to noncurrent loans | 34.0672% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 2.3695% | 2,904 |
| Noncurrent loans to loans | 3.7443% | 1,989 |
| Net loans and leases to total assets | 56.7820% | 6,060 |
| Net loans and leases to deposits | 70.5898% | 5,834 |
| Net loans and leases to core deposits | 111.1870% | 3,105 |
| Total domestic deposits to total assets | 80.4393% | 5,275 |
| Equity capital to assets | 9.9304% | 4,171 |
| Core capital (leverage) ratio | 10.2968% | 2,980 |
| Tier 1 risk-based capital ratio | 13.1228% | 4,107 |
| Total risk-based capital ratio | 14.0609% | 4,258 |
| Memoranda: | ||
| Average total assets | $1,798,483,250 | 409 |
| Average earning assets | $1,638,047,250 | 404 |
| Average equity | $163,576,000 | 435 |
| Average total loans | $1,006,824,750 | 491 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2483% | 5,879 |
| Cost of funding earning assets | 1.7847% | 4,835 |
| Net interest margin | 3.4636% | 4,952 |
| Noninterest income to average assets | 1.4912% | 667 |
| Noninterest expense to average assets | 2.2685% | 6,852 |
| Loan and lease loss provision to assets | 1.0197% | 1,661 |
| Net operating income to assets | 1.0490% | 1,944 |
| Return on assets (ROA) | 0.0970% | 5,669 |
| Pretax return on assets | 0.1261% | 5,614 |
| Return on Equity (ROE) | 1.0988% | 5,612 |
| Retained earnings to average equity (ytd only) | -1.9102% | 5,714 |
| Net charge-offs to loans | 1.1952% | 1,533 |
| Credit loss provision to net charge-offs | 153.7442% | 2,991 |
| Earnings coverage of net charge-offs (x) | 3.5916% | 3,380 |
| Efficiency ratio | 48.7773% | 7,725 |
| Assets per employee ($millions) | 4.2410% | 3,216 |
| Cash dividends to net income (ytd only)* | 273.8392% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 4,181 |
| Loan loss allowance to noncurrent loans | 41.4191% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 1.9862% | 3,214 |
| Noncurrent loans to loans | 3.1796% | 2,245 |
| Net loans and leases to total assets | 55.2509% | 6,308 |
| Net loans and leases to deposits | 75.4518% | 5,250 |
| Net loans and leases to core deposits | 126.7058% | 1,805 |
| Total domestic deposits to total assets | 73.2267% | 7,076 |
| Equity capital to assets | 9.7160% | 4,328 |
| Core capital (leverage) ratio | 9.8116% | 3,501 |
| Tier 1 risk-based capital ratio | 13.6943% | 3,693 |
| Total risk-based capital ratio | 14.7289% | 3,758 |
| Memoranda: | ||
| Average total assets | $1,820,094,670 | 410 |
| Average earning assets | $1,660,226,670 | 407 |
| Average equity | $160,715,000 | 447 |
| Average total loans | $1,010,060,000 | 503 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 5,960 |
| Cost of funding earning assets | 1.8745% | 4,774 |
| Net interest margin | 3.4084% | 5,108 |
| Noninterest income to average assets | 1.9418% | 382 |
| Noninterest expense to average assets | 2.2521% | 6,685 |
| Loan and lease loss provision to assets | 1.7498% | 712 |
| Net operating income to assets | 0.6858% | 3,632 |
| Return on assets (ROA) | -0.2468% | 6,691 |
| Pretax return on assets | -0.4158% | 6,752 |
| Return on Equity (ROE) | -2.9377% | 6,767 |
| Retained earnings to average equity (ytd only) | -5.7021% | 6,646 |
| Net charge-offs to loans | 2.1184% | 678 |
| Credit loss provision to net charge-offs | 149.4891% | 2,799 |
| Earnings coverage of net charge-offs (x) | 2.3845% | 3,538 |
| Efficiency ratio | 44.6557% | 7,907 |
| Assets per employee ($millions) | 4.3157% | 3,045 |
| Cash dividends to net income (ytd only)* | -94.0969% | 8,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 4,517 |
| Loan loss allowance to noncurrent loans | 39.3462% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 1.9383% | 2,995 |
| Noncurrent loans to loans | 3.1558% | 2,047 |
| Net loans and leases to total assets | 54.4826% | 6,415 |
| Net loans and leases to deposits | 80.9262% | 4,463 |
| Net loans and leases to core deposits | 128.6081% | 1,737 |
| Total domestic deposits to total assets | 67.3238% | 7,650 |
| Equity capital to assets | 9.0746% | 5,261 |
| Core capital (leverage) ratio | 9.5070% | 3,975 |
| Tier 1 risk-based capital ratio | 13.6090% | 3,796 |
| Total risk-based capital ratio | 14.5905% | 3,882 |
| Memoranda: | ||
| Average total assets | $1,839,524,500 | 406 |
| Average earning assets | $1,673,864,500 | 405 |
| Average equity | $154,540,500 | 456 |
| Average total loans | $1,016,449,000 | 507 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1023% | 5,034 |
| Cost of funding earning assets | 2.9215% | 2,169 |
| Net interest margin | 3.1808% | 6,426 |
| Noninterest income to average assets | 0.5529% | 4,206 |
| Noninterest expense to average assets | 2.1200% | 7,190 |
| Loan and lease loss provision to assets | 0.4645% | 2,977 |
| Net operating income to assets | 0.5658% | 4,458 |
| Return on assets (ROA) | 0.6179% | 4,086 |
| Pretax return on assets | 0.9485% | 3,559 |
| Return on Equity (ROE) | 9.5944% | 2,401 |
| Retained earnings to average equity (ytd only) | 6.0213% | 1,526 |
| Net charge-offs to loans | 0.5770% | 2,088 |
| Credit loss provision to net charge-offs | 153.8244% | 3,399 |
| Earnings coverage of net charge-offs (x) | 4.4136% | 3,992 |
| Efficiency ratio | 61.3980% | 6,082 |
| Assets per employee ($millions) | 4.3922% | 2,807 |
| Cash dividends to net income (ytd only)* | 37.2415% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 6,341 |
| Loan loss allowance to noncurrent loans | 35.2308% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6807% | 2,892 |
| Noncurrent loans to loans | 2.7264% | 1,989 |
| Net loans and leases to total assets | 54.8116% | 6,566 |
| Net loans and leases to deposits | 84.7219% | 4,308 |
| Net loans and leases to core deposits | 117.2861% | 2,975 |
| Total domestic deposits to total assets | 64.6959% | 7,744 |
| Equity capital to assets | 7.7378% | 7,166 |
| Core capital (leverage) ratio | 9.2601% | 4,352 |
| Tier 1 risk-based capital ratio | 13.7731% | 3,658 |
| Total risk-based capital ratio | 14.5455% | 3,845 |
| Memoranda: | ||
| Average total assets | $1,870,254,800 | 383 |
| Average earning assets | $1,705,119,200 | 383 |
| Average equity | $120,455,400 | 566 |
| Average total loans | $978,932,200 | 505 |