Home > Happy State Bank > Performance and Condition Ratios
Happy State Bank, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 952 |
| Cost of funding earning assets | 0.1790% | 3,098 |
| Net interest margin | 3.7027% | 745 |
| Noninterest income to average assets | 0.6802% | 1,386 |
| Noninterest expense to average assets | 2.5471% | 1,764 |
| Loan and lease loss provision to assets | 0.0547% | 1,401 |
| Net operating income to assets | 1.1402% | 1,403 |
| Return on assets (ROA) | 1.1352% | 1,415 |
| Pretax return on assets | 1.4501% | 1,129 |
| Return on Equity (ROE) | 12.4951% | 1,165 |
| Retained earnings to average equity (ytd only) | 12.4951% | 530 |
| Net charge-offs to loans | -0.0080% | 3,503 |
| Credit loss provision to net charge-offs | -1,269.8630% | 3,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1707% | 3,240 |
| Assets per employee ($millions) | 8.1412% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 3,078 |
| Loan loss allowance to noncurrent loans | 169.6220% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 1,622 |
| Noncurrent loans to loans | 0.6807% | 1,396 |
| Net loans and leases to total assets | 53.5599% | 2,815 |
| Net loans and leases to deposits | 59.5955% | 2,943 |
| Net loans and leases to core deposits | 66.4920% | 2,583 |
| Total domestic deposits to total assets | 89.8724% | 1,643 |
| Equity capital to assets | 8.4155% | 3,226 |
| Core capital (leverage) ratio | 8.0692% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1361% | 2,860 |
| Memoranda: | ||
| Average total assets | $6,776,538,500 | 222 |
| Average earning assets | $6,182,180,500 | 221 |
| Average equity | $615,663,500 | 237 |
| Average total loans | $3,654,774,500 | 236 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0218% | 1,312 |
| Cost of funding earning assets | 0.1786% | 3,677 |
| Net interest margin | 3.8432% | 934 |
| Noninterest income to average assets | 0.7513% | 1,589 |
| Noninterest expense to average assets | 2.4616% | 2,301 |
| Loan and lease loss provision to assets | -0.1688% | 4,655 |
| Net operating income to assets | 1.5848% | 847 |
| Return on assets (ROA) | 1.5938% | 859 |
| Pretax return on assets | 1.9542% | 667 |
| Return on Equity (ROE) | 13.1651% | 1,413 |
| Retained earnings to average equity (ytd only) | -10.4627% | 4,772 |
| Net charge-offs to loans | 0.0852% | 954 |
| Credit loss provision to net charge-offs | -352.7067% | 3,663 |
| Earnings coverage of net charge-offs (x) | 37.0844% | 1,477 |
| Efficiency ratio | 57.4858% | 3,524 |
| Assets per employee ($millions) | 7.9953% | 1,337 |
| Cash dividends to net income (ytd only)* | 179.4724% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,235 |
| Loan loss allowance to noncurrent loans | 144.9304% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 1,558 |
| Noncurrent loans to loans | 0.7787% | 1,310 |
| Net loans and leases to total assets | 53.0762% | 2,954 |
| Net loans and leases to deposits | 59.8759% | 3,084 |
| Net loans and leases to core deposits | 66.6479% | 2,765 |
| Total domestic deposits to total assets | 88.6436% | 1,707 |
| Equity capital to assets | 9.7495% | 2,890 |
| Core capital (leverage) ratio | 7.9719% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0825% | 2,870 |
| Memoranda: | ||
| Average total assets | $6,292,740,000 | 221 |
| Average earning assets | $5,705,817,800 | 222 |
| Average equity | $761,814,400 | 201 |
| Average total loans | $3,533,751,200 | 239 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0401% | 1,448 |
| Cost of funding earning assets | 0.1792% | 3,831 |
| Net interest margin | 3.8609% | 1,003 |
| Noninterest income to average assets | 0.7552% | 1,657 |
| Noninterest expense to average assets | 2.5708% | 1,924 |
| Loan and lease loss provision to assets | -0.2556% | 4,803 |
| Net operating income to assets | 1.5727% | 1,093 |
| Return on assets (ROA) | 1.5852% | 1,115 |
| Pretax return on assets | 1.9471% | 872 |
| Return on Equity (ROE) | 12.4263% | 1,892 |
| Retained earnings to average equity (ytd only) | 12.4263% | 743 |
| Net charge-offs to loans | 0.1040% | 724 |
| Credit loss provision to net charge-offs | -432.6501% | 3,605 |
| Earnings coverage of net charge-offs (x) | 28.3657% | 1,552 |
| Efficiency ratio | 59.9086% | 2,986 |
| Assets per employee ($millions) | 7.2830% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,272 |
| Loan loss allowance to noncurrent loans | 166.3502% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 1,879 |
| Noncurrent loans to loans | 0.6831% | 1,613 |
| Net loans and leases to total assets | 54.4698% | 2,915 |
| Net loans and leases to deposits | 63.6103% | 2,890 |
| Net loans and leases to core deposits | 71.7949% | 2,442 |
| Total domestic deposits to total assets | 85.6304% | 2,901 |
| Equity capital to assets | 12.7386% | 1,079 |
| Core capital (leverage) ratio | 10.8529% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4244% | 1,509 |
| Memoranda: | ||
| Average total assets | $6,164,915,250 | 226 |
| Average earning assets | $5,575,296,000 | 227 |
| Average equity | $786,428,250 | 194 |
| Average total loans | $3,504,052,250 | 241 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 1,349 |
| Cost of funding earning assets | 0.1831% | 3,924 |
| Net interest margin | 3.9181% | 942 |
| Noninterest income to average assets | 0.7663% | 1,629 |
| Noninterest expense to average assets | 2.5665% | 1,939 |
| Loan and lease loss provision to assets | -0.4353% | 4,895 |
| Net operating income to assets | 1.7684% | 766 |
| Return on assets (ROA) | 1.7660% | 810 |
| Pretax return on assets | 2.1681% | 610 |
| Return on Equity (ROE) | 13.8371% | 1,462 |
| Retained earnings to average equity (ytd only) | 13.8371% | 572 |
| Net charge-offs to loans | 0.1222% | 637 |
| Credit loss provision to net charge-offs | -620.0750% | 3,534 |
| Earnings coverage of net charge-offs (x) | 24.7251% | 1,428 |
| Efficiency ratio | 59.0225% | 3,148 |
| Assets per employee ($millions) | 6.9999% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 3,238 |
| Loan loss allowance to noncurrent loans | 164.1622% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 2,004 |
| Noncurrent loans to loans | 0.6955% | 1,689 |
| Net loans and leases to total assets | 54.6593% | 3,054 |
| Net loans and leases to deposits | 64.0867% | 2,993 |
| Net loans and leases to core deposits | 73.9876% | 2,410 |
| Total domestic deposits to total assets | 85.2897% | 2,990 |
| Equity capital to assets | 12.9439% | 965 |
| Core capital (leverage) ratio | 10.7118% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5837% | 1,449 |
| Memoranda: | ||
| Average total assets | $6,073,835,667 | 225 |
| Average earning assets | $5,481,546,333 | 230 |
| Average equity | $775,193,333 | 196 |
| Average total loans | $3,489,685,000 | 243 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 1,323 |
| Cost of funding earning assets | 0.1903% | 4,007 |
| Net interest margin | 3.9396% | 926 |
| Noninterest income to average assets | 0.6663% | 1,970 |
| Noninterest expense to average assets | 2.6165% | 1,845 |
| Loan and lease loss provision to assets | 0.2407% | 449 |
| Net operating income to assets | 1.1538% | 2,322 |
| Return on assets (ROA) | 1.1516% | 2,398 |
| Pretax return on assets | 1.3535% | 2,418 |
| Return on Equity (ROE) | 9.0902% | 3,003 |
| Retained earnings to average equity (ytd only) | 9.0902% | 1,925 |
| Net charge-offs to loans | 0.2056% | 398 |
| Credit loss provision to net charge-offs | 199.8890% | 892 |
| Earnings coverage of net charge-offs (x) | 13.2593% | 1,408 |
| Efficiency ratio | 61.4500% | 2,848 |
| Assets per employee ($millions) | 7.0769% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 1,217 |
| Loan loss allowance to noncurrent loans | 129.9106% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7470% | 1,228 |
| Noncurrent loans to loans | 1.2547% | 1,038 |
| Net loans and leases to total assets | 54.0418% | 3,235 |
| Net loans and leases to deposits | 62.5907% | 3,264 |
| Net loans and leases to core deposits | 71.7822% | 2,717 |
| Total domestic deposits to total assets | 86.3416% | 2,608 |
| Equity capital to assets | 11.9405% | 1,314 |
| Core capital (leverage) ratio | 11.0120% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4388% | 1,441 |
| Memoranda: | ||
| Average total assets | $5,981,802,000 | 230 |
| Average earning assets | $5,385,837,000 | 235 |
| Average equity | $757,781,500 | 200 |
| Average total loans | $3,504,512,000 | 244 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 599 |
| Cost of funding earning assets | 0.3629% | 3,804 |
| Net interest margin | 4.5351% | 309 |
| Noninterest income to average assets | 0.7922% | 1,551 |
| Noninterest expense to average assets | 2.9840% | 1,467 |
| Loan and lease loss provision to assets | 0.5010% | 491 |
| Net operating income to assets | 1.1297% | 1,803 |
| Return on assets (ROA) | 1.2897% | 1,377 |
| Pretax return on assets | 1.5643% | 1,152 |
| Return on Equity (ROE) | 9.1110% | 2,350 |
| Retained earnings to average equity (ytd only) | 8.7882% | 826 |
| Net charge-offs to loans | 0.0852% | 1,609 |
| Credit loss provision to net charge-offs | 882.4641% | 839 |
| Earnings coverage of net charge-offs (x) | 32.9444% | 1,537 |
| Efficiency ratio | 61.0134% | 3,310 |
| Assets per employee ($millions) | 6.3122% | 2,078 |
| Cash dividends to net income (ytd only)* | 3.5433% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 1,419 |
| Loan loss allowance to noncurrent loans | 100.2376% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9900% | 966 |
| Noncurrent loans to loans | 1.5489% | 854 |
| Net loans and leases to total assets | 61.7087% | 2,647 |
| Net loans and leases to deposits | 72.8521% | 2,603 |
| Net loans and leases to core deposits | 83.7319% | 2,060 |
| Total domestic deposits to total assets | 84.7040% | 2,877 |
| Equity capital to assets | 13.4848% | 932 |
| Core capital (leverage) ratio | 11.3098% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2685% | 1,457 |
| Memoranda: | ||
| Average total assets | $4,661,107,200 | 260 |
| Average earning assets | $4,174,893,000 | 258 |
| Average equity | $659,784,400 | 213 |
| Average total loans | $3,104,390,200 | 257 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 707 |
| Cost of funding earning assets | 0.4203% | 3,702 |
| Net interest margin | 4.4967% | 379 |
| Noninterest income to average assets | 0.7846% | 1,553 |
| Noninterest expense to average assets | 2.9404% | 1,586 |
| Loan and lease loss provision to assets | 0.4452% | 736 |
| Net operating income to assets | 1.1802% | 1,710 |
| Return on assets (ROA) | 1.3679% | 1,279 |
| Pretax return on assets | 1.6586% | 1,048 |
| Return on Equity (ROE) | 9.5196% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.0722% | 959 |
| Net charge-offs to loans | 0.0961% | 1,344 |
| Credit loss provision to net charge-offs | 682.8704% | 1,085 |
| Earnings coverage of net charge-offs (x) | 28.7574% | 1,626 |
| Efficiency ratio | 60.7441% | 3,268 |
| Assets per employee ($millions) | 5.9488% | 2,310 |
| Cash dividends to net income (ytd only)* | 4.7002% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,271 |
| Loan loss allowance to noncurrent loans | 88.7770% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.0110% | 1,092 |
| Noncurrent loans to loans | 1.4356% | 1,007 |
| Net loans and leases to total assets | 67.4040% | 2,333 |
| Net loans and leases to deposits | 79.3493% | 2,385 |
| Net loans and leases to core deposits | 91.5643% | 1,834 |
| Total domestic deposits to total assets | 84.9459% | 2,462 |
| Equity capital to assets | 13.0467% | 1,162 |
| Core capital (leverage) ratio | 10.4016% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7408% | 1,915 |
| Memoranda: | ||
| Average total assets | $4,417,178,750 | 262 |
| Average earning assets | $3,959,417,250 | 266 |
| Average equity | $634,702,250 | 220 |
| Average total loans | $2,997,172,000 | 261 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8653% | 1,028 |
| Cost of funding earning assets | 0.5183% | 3,424 |
| Net interest margin | 4.3470% | 681 |
| Noninterest income to average assets | 0.7981% | 1,440 |
| Noninterest expense to average assets | 2.8976% | 1,836 |
| Loan and lease loss provision to assets | 0.4074% | 987 |
| Net operating income to assets | 1.1501% | 1,800 |
| Return on assets (ROA) | 1.4501% | 1,108 |
| Pretax return on assets | 1.7545% | 883 |
| Return on Equity (ROE) | 9.7017% | 2,078 |
| Retained earnings to average equity (ytd only) | 9.0063% | 1,005 |
| Net charge-offs to loans | 0.0969% | 1,301 |
| Credit loss provision to net charge-offs | 621.2798% | 1,082 |
| Earnings coverage of net charge-offs (x) | 27.4561% | 1,492 |
| Efficiency ratio | 61.3489% | 3,225 |
| Assets per employee ($millions) | 6.0683% | 2,124 |
| Cash dividends to net income (ytd only)* | 7.1671% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 1,697 |
| Loan loss allowance to noncurrent loans | 85.2556% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.0944% | 1,047 |
| Noncurrent loans to loans | 1.6054% | 919 |
| Net loans and leases to total assets | 65.2540% | 2,729 |
| Net loans and leases to deposits | 84.9830% | 1,889 |
| Net loans and leases to core deposits | 101.4016% | 1,155 |
| Total domestic deposits to total assets | 76.7848% | 4,345 |
| Equity capital to assets | 13.9908% | 855 |
| Core capital (leverage) ratio | 12.8794% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0759% | 1,043 |
| Memoranda: | ||
| Average total assets | $4,098,983,667 | 276 |
| Average earning assets | $3,677,415,667 | 279 |
| Average equity | $612,657,000 | 226 |
| Average total loans | $2,773,720,667 | 277 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0580% | 866 |
| Cost of funding earning assets | 0.6975% | 2,940 |
| Net interest margin | 4.3605% | 679 |
| Noninterest income to average assets | 0.9518% | 950 |
| Noninterest expense to average assets | 3.0887% | 1,668 |
| Loan and lease loss provision to assets | 0.3406% | 903 |
| Net operating income to assets | 1.1844% | 1,568 |
| Return on assets (ROA) | 1.5199% | 815 |
| Pretax return on assets | 1.8155% | 672 |
| Return on Equity (ROE) | 9.8012% | 1,809 |
| Retained earnings to average equity (ytd only) | 8.3836% | 1,127 |
| Net charge-offs to loans | 0.2383% | 600 |
| Credit loss provision to net charge-offs | 208.4649% | 1,393 |
| Earnings coverage of net charge-offs (x) | 10.7530% | 1,753 |
| Efficiency ratio | 63.4257% | 3,309 |
| Assets per employee ($millions) | 5.2858% | 2,338 |
| Cash dividends to net income (ytd only)* | 14.4632% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 1,921 |
| Loan loss allowance to noncurrent loans | 76.7765% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.2317% | 989 |
| Noncurrent loans to loans | 1.7563% | 857 |
| Net loans and leases to total assets | 66.8206% | 2,720 |
| Net loans and leases to deposits | 81.1967% | 2,554 |
| Net loans and leases to core deposits | 101.7697% | 1,346 |
| Total domestic deposits to total assets | 82.2947% | 3,334 |
| Equity capital to assets | 15.5064% | 673 |
| Core capital (leverage) ratio | 14.3342% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2024% | 1,113 |
| Memoranda: | ||
| Average total assets | $3,875,884,000 | 283 |
| Average earning assets | $3,460,860,000 | 286 |
| Average equity | $601,031,500 | 230 |
| Average total loans | $2,657,045,000 | 278 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 807 |
| Cost of funding earning assets | 0.9225% | 2,098 |
| Net interest margin | 4.3865% | 918 |
| Noninterest income to average assets | 0.9065% | 1,168 |
| Noninterest expense to average assets | 3.1441% | 1,657 |
| Loan and lease loss provision to assets | 0.2411% | 776 |
| Net operating income to assets | 1.1792% | 2,134 |
| Return on assets (ROA) | 1.3275% | 1,669 |
| Pretax return on assets | 1.5830% | 1,534 |
| Return on Equity (ROE) | 8.7764% | 2,854 |
| Retained earnings to average equity (ytd only) | 7.9915% | 978 |
| Net charge-offs to loans | 0.2997% | 698 |
| Credit loss provision to net charge-offs | 115.6726% | 2,180 |
| Earnings coverage of net charge-offs (x) | 7.9033% | 2,828 |
| Efficiency ratio | 65.4438% | 2,848 |
| Assets per employee ($millions) | 5.2461% | 2,288 |
| Cash dividends to net income (ytd only)* | 8.9441% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 1,987 |
| Loan loss allowance to noncurrent loans | 77.4141% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 986 |
| Noncurrent loans to loans | 1.6623% | 832 |
| Net loans and leases to total assets | 68.5017% | 2,609 |
| Net loans and leases to deposits | 85.1484% | 2,190 |
| Net loans and leases to core deposits | 103.0153% | 1,313 |
| Total domestic deposits to total assets | 80.4497% | 3,888 |
| Equity capital to assets | 15.5076% | 684 |
| Core capital (leverage) ratio | 14.5563% | 788 |
| Tier 1 risk-based capital ratio | 17.0610% | 2,034 |
| Total risk-based capital ratio | 18.1874% | 2,018 |
| Memoranda: | ||
| Average total assets | $3,587,117,400 | 282 |
| Average earning assets | $3,177,214,800 | 286 |
| Average equity | $542,566,800 | 236 |
| Average total loans | $2,495,262,800 | 286 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 809 |
| Cost of funding earning assets | 0.9567% | 1,961 |
| Net interest margin | 4.3752% | 998 |
| Noninterest income to average assets | 0.9119% | 1,118 |
| Noninterest expense to average assets | 3.2363% | 1,397 |
| Loan and lease loss provision to assets | 0.2305% | 735 |
| Net operating income to assets | 1.1140% | 2,520 |
| Return on assets (ROA) | 1.3009% | 1,937 |
| Pretax return on assets | 1.5336% | 1,857 |
| Return on Equity (ROE) | 8.6596% | 3,027 |
| Retained earnings to average equity (ytd only) | 7.5881% | 1,581 |
| Net charge-offs to loans | 0.3510% | 485 |
| Credit loss provision to net charge-offs | 94.3688% | 2,350 |
| Earnings coverage of net charge-offs (x) | 6.3213% | 2,846 |
| Efficiency ratio | 67.5524% | 2,490 |
| Assets per employee ($millions) | 5.1361% | 2,410 |
| Cash dividends to net income (ytd only)* | 12.3740% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,107 |
| Loan loss allowance to noncurrent loans | 158.2888% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 2,211 |
| Noncurrent loans to loans | 0.8034% | 1,965 |
| Net loans and leases to total assets | 68.8561% | 2,650 |
| Net loans and leases to deposits | 85.7286% | 2,225 |
| Net loans and leases to core deposits | 103.1854% | 1,395 |
| Total domestic deposits to total assets | 80.3187% | 3,917 |
| Equity capital to assets | 15.0455% | 837 |
| Core capital (leverage) ratio | 13.9179% | 1,005 |
| Tier 1 risk-based capital ratio | 16.2209% | 2,362 |
| Total risk-based capital ratio | 17.3334% | 2,342 |
| Memoranda: | ||
| Average total assets | $3,527,745,250 | 290 |
| Average earning assets | $3,119,421,500 | 294 |
| Average equity | $529,940,250 | 242 |
| Average total loans | $2,455,594,000 | 290 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 801 |
| Cost of funding earning assets | 0.9503% | 1,910 |
| Net interest margin | 4.3600% | 1,017 |
| Noninterest income to average assets | 0.9182% | 1,043 |
| Noninterest expense to average assets | 3.2548% | 1,381 |
| Loan and lease loss provision to assets | 0.2243% | 735 |
| Net operating income to assets | 1.1127% | 2,473 |
| Return on assets (ROA) | 1.1902% | 2,246 |
| Pretax return on assets | 1.3795% | 2,261 |
| Return on Equity (ROE) | 7.9271% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.1113% | 1,756 |
| Net charge-offs to loans | 0.4473% | 364 |
| Credit loss provision to net charge-offs | 72.0887% | 2,304 |
| Earnings coverage of net charge-offs (x) | 4.8654% | 2,705 |
| Efficiency ratio | 68.1597% | 2,508 |
| Assets per employee ($millions) | 4.9386% | 2,552 |
| Cash dividends to net income (ytd only)* | 10.2918% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,018 |
| Loan loss allowance to noncurrent loans | 163.4635% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 2,153 |
| Noncurrent loans to loans | 0.7950% | 2,004 |
| Net loans and leases to total assets | 68.0671% | 2,799 |
| Net loans and leases to deposits | 82.8944% | 2,630 |
| Net loans and leases to core deposits | 100.6305% | 1,664 |
| Total domestic deposits to total assets | 82.1130% | 3,479 |
| Equity capital to assets | 15.3417% | 736 |
| Core capital (leverage) ratio | 14.0298% | 951 |
| Tier 1 risk-based capital ratio | 17.0123% | 2,084 |
| Total risk-based capital ratio | 18.1678% | 2,052 |
| Memoranda: | ||
| Average total assets | $3,477,846,670 | 294 |
| Average earning assets | $3,071,254,330 | 297 |
| Average equity | $522,157,330 | 244 |
| Average total loans | $2,419,206,000 | 294 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2304% | 855 |
| Cost of funding earning assets | 0.9395% | 1,839 |
| Net interest margin | 4.2909% | 1,109 |
| Noninterest income to average assets | 0.9424% | 937 |
| Noninterest expense to average assets | 3.1954% | 1,502 |
| Loan and lease loss provision to assets | 0.2427% | 606 |
| Net operating income to assets | 1.1377% | 2,317 |
| Return on assets (ROA) | 1.1416% | 2,355 |
| Pretax return on assets | 1.2922% | 2,486 |
| Return on Equity (ROE) | 7.6888% | 3,387 |
| Retained earnings to average equity (ytd only) | 6.0309% | 2,444 |
| Net charge-offs to loans | 0.3062% | 492 |
| Credit loss provision to net charge-offs | 113.4522% | 1,469 |
| Earnings coverage of net charge-offs (x) | 7.1545% | 2,150 |
| Efficiency ratio | 67.5438% | 2,705 |
| Assets per employee ($millions) | 5.0039% | 2,511 |
| Cash dividends to net income (ytd only)* | 21.5631% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 1,748 |
| Loan loss allowance to noncurrent loans | 148.1982% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 1,951 |
| Noncurrent loans to loans | 0.9321% | 1,799 |
| Net loans and leases to total assets | 68.2168% | 2,730 |
| Net loans and leases to deposits | 82.4771% | 2,565 |
| Net loans and leases to core deposits | 99.4480% | 1,669 |
| Total domestic deposits to total assets | 82.7100% | 3,500 |
| Equity capital to assets | 15.0019% | 754 |
| Core capital (leverage) ratio | 13.8938% | 981 |
| Tier 1 risk-based capital ratio | 17.0515% | 2,093 |
| Total risk-based capital ratio | 18.2790% | 2,044 |
| Memoranda: | ||
| Average total assets | $3,461,105,000 | 295 |
| Average earning assets | $3,051,878,000 | 298 |
| Average equity | $513,887,000 | 247 |
| Average total loans | $2,418,044,000 | 296 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 988 |
| Cost of funding earning assets | 0.7496% | 1,793 |
| Net interest margin | 4.2791% | 1,201 |
| Noninterest income to average assets | 0.9375% | 1,087 |
| Noninterest expense to average assets | 3.2568% | 1,422 |
| Loan and lease loss provision to assets | 0.1855% | 1,043 |
| Net operating income to assets | 1.1250% | 2,496 |
| Return on assets (ROA) | 1.1269% | 2,490 |
| Pretax return on assets | 1.2789% | 2,585 |
| Return on Equity (ROE) | 8.2384% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.3215% | 1,529 |
| Net charge-offs to loans | 0.1138% | 1,611 |
| Credit loss provision to net charge-offs | 230.1790% | 1,282 |
| Earnings coverage of net charge-offs (x) | 18.1443% | 2,155 |
| Efficiency ratio | 68.9545% | 2,399 |
| Assets per employee ($millions) | 4.8858% | 2,635 |
| Cash dividends to net income (ytd only)* | 11.1288% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 1,805 |
| Loan loss allowance to noncurrent loans | 145.3696% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 1,884 |
| Noncurrent loans to loans | 0.9334% | 1,723 |
| Net loans and leases to total assets | 69.6036% | 2,629 |
| Net loans and leases to deposits | 83.7295% | 2,541 |
| Net loans and leases to core deposits | 99.9242% | 1,721 |
| Total domestic deposits to total assets | 83.1291% | 3,284 |
| Equity capital to assets | 14.6916% | 788 |
| Core capital (leverage) ratio | 13.7051% | 1,009 |
| Tier 1 risk-based capital ratio | 16.6649% | 2,181 |
| Total risk-based capital ratio | 17.8721% | 2,142 |
| Memoranda: | ||
| Average total assets | $3,396,151,400 | 294 |
| Average earning assets | $3,001,266,600 | 297 |
| Average equity | $464,534,600 | 257 |
| Average total loans | $2,404,470,800 | 294 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 1,029 |
| Cost of funding earning assets | 0.6941% | 1,875 |
| Net interest margin | 4.2619% | 1,205 |
| Noninterest income to average assets | 0.9401% | 1,082 |
| Noninterest expense to average assets | 3.3179% | 1,265 |
| Loan and lease loss provision to assets | 0.2009% | 868 |
| Net operating income to assets | 1.0797% | 2,751 |
| Return on assets (ROA) | 1.0823% | 2,752 |
| Pretax return on assets | 1.1936% | 3,007 |
| Return on Equity (ROE) | 8.0649% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.8145% | 2,226 |
| Net charge-offs to loans | 0.2373% | 721 |
| Credit loss provision to net charge-offs | 119.4939% | 1,993 |
| Earnings coverage of net charge-offs (x) | 8.2753% | 2,727 |
| Efficiency ratio | 70.3957% | 2,137 |
| Assets per employee ($millions) | 4.9314% | 2,555 |
| Cash dividends to net income (ytd only)* | 15.5036% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,464 |
| Loan loss allowance to noncurrent loans | 132.9451% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 2,016 |
| Noncurrent loans to loans | 0.9237% | 1,848 |
| Net loans and leases to total assets | 70.9873% | 2,494 |
| Net loans and leases to deposits | 90.4774% | 1,826 |
| Net loans and leases to core deposits | 110.3063% | 1,014 |
| Total domestic deposits to total assets | 78.4586% | 4,410 |
| Equity capital to assets | 14.2962% | 881 |
| Core capital (leverage) ratio | 13.4022% | 1,140 |
| Tier 1 risk-based capital ratio | 16.0343% | 2,438 |
| Total risk-based capital ratio | 17.1245% | 2,428 |
| Memoranda: | ||
| Average total assets | $3,384,060,750 | 293 |
| Average earning assets | $2,992,944,750 | 298 |
| Average equity | $454,154,500 | 260 |
| Average total loans | $2,397,967,000 | 292 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8535% | 1,120 |
| Cost of funding earning assets | 0.6109% | 2,158 |
| Net interest margin | 4.2426% | 1,183 |
| Noninterest income to average assets | 0.9617% | 1,026 |
| Noninterest expense to average assets | 3.3166% | 1,278 |
| Loan and lease loss provision to assets | 0.1959% | 877 |
| Net operating income to assets | 1.1106% | 2,544 |
| Return on assets (ROA) | 1.1150% | 2,537 |
| Pretax return on assets | 1.2016% | 2,942 |
| Return on Equity (ROE) | 8.4963% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.5335% | 1,829 |
| Net charge-offs to loans | 0.2517% | 634 |
| Credit loss provision to net charge-offs | 110.3310% | 1,891 |
| Earnings coverage of net charge-offs (x) | 7.8452% | 2,521 |
| Efficiency ratio | 70.3784% | 2,250 |
| Assets per employee ($millions) | 4.8541% | 2,610 |
| Cash dividends to net income (ytd only)* | 11.3329% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,525 |
| Loan loss allowance to noncurrent loans | 113.1767% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.8397% | 1,779 |
| Noncurrent loans to loans | 1.0909% | 1,619 |
| Net loans and leases to total assets | 70.2879% | 2,535 |
| Net loans and leases to deposits | 88.1854% | 2,088 |
| Net loans and leases to core deposits | 110.6685% | 958 |
| Total domestic deposits to total assets | 79.7047% | 4,304 |
| Equity capital to assets | 13.2219% | 1,217 |
| Core capital (leverage) ratio | 12.2597% | 1,563 |
| Tier 1 risk-based capital ratio | 14.8181% | 2,965 |
| Total risk-based capital ratio | 15.9303% | 2,952 |
| Memoranda: | ||
| Average total assets | $3,369,641,000 | 293 |
| Average earning assets | $2,976,512,000 | 299 |
| Average equity | $442,214,330 | 261 |
| Average total loans | $2,376,218,670 | 293 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7784% | 1,127 |
| Cost of funding earning assets | 0.5416% | 2,467 |
| Net interest margin | 4.2368% | 1,086 |
| Noninterest income to average assets | 1.0113% | 893 |
| Noninterest expense to average assets | 3.3335% | 1,286 |
| Loan and lease loss provision to assets | 0.1427% | 1,322 |
| Net operating income to assets | 1.1225% | 2,325 |
| Return on assets (ROA) | 1.1194% | 2,355 |
| Pretax return on assets | 1.2710% | 2,473 |
| Return on Equity (ROE) | 8.5622% | 3,123 |
| Retained earnings to average equity (ytd only) | 6.6252% | 2,445 |
| Net charge-offs to loans | 0.0585% | 1,517 |
| Credit loss provision to net charge-offs | 347.8261% | 747 |
| Earnings coverage of net charge-offs (x) | 34.5333% | 1,155 |
| Efficiency ratio | 70.1420% | 2,466 |
| Assets per employee ($millions) | 5.0839% | 2,383 |
| Cash dividends to net income (ytd only)* | 22.6225% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 2,294 |
| Loan loss allowance to noncurrent loans | 111.4088% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 1,790 |
| Noncurrent loans to loans | 1.1573% | 1,568 |
| Net loans and leases to total assets | 69.9182% | 2,499 |
| Net loans and leases to deposits | 85.2250% | 2,272 |
| Net loans and leases to core deposits | 106.7059% | 1,193 |
| Total domestic deposits to total assets | 82.0396% | 3,952 |
| Equity capital to assets | 13.2461% | 1,138 |
| Core capital (leverage) ratio | 11.9292% | 1,697 |
| Tier 1 risk-based capital ratio | 14.7644% | 3,001 |
| Total risk-based capital ratio | 15.9238% | 2,950 |
| Memoranda: | ||
| Average total assets | $3,362,817,500 | 294 |
| Average earning assets | $2,968,009,500 | 297 |
| Average equity | $439,654,000 | 263 |
| Average total loans | $2,360,443,500 | 292 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 2,020 |
| Cost of funding earning assets | 0.4327% | 2,933 |
| Net interest margin | 3.9678% | 1,854 |
| Noninterest income to average assets | 0.9920% | 1,037 |
| Noninterest expense to average assets | 3.0880% | 1,895 |
| Loan and lease loss provision to assets | 0.1921% | 1,091 |
| Net operating income to assets | 0.8918% | 2,761 |
| Return on assets (ROA) | 0.9144% | 2,663 |
| Pretax return on assets | 1.2600% | 2,507 |
| Return on Equity (ROE) | 7.1750% | 3,193 |
| Retained earnings to average equity (ytd only) | 6.1398% | 1,461 |
| Net charge-offs to loans | 0.3072% | 833 |
| Credit loss provision to net charge-offs | 89.8160% | 2,788 |
| Earnings coverage of net charge-offs (x) | 6.6457% | 3,157 |
| Efficiency ratio | 68.4529% | 2,804 |
| Assets per employee ($millions) | 5.0160% | 2,456 |
| Cash dividends to net income (ytd only)* | 14.4285% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,535 |
| Loan loss allowance to noncurrent loans | 120.0204% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 1,975 |
| Noncurrent loans to loans | 1.0329% | 1,721 |
| Net loans and leases to total assets | 68.7090% | 2,723 |
| Net loans and leases to deposits | 86.9742% | 2,137 |
| Net loans and leases to core deposits | 106.9426% | 1,217 |
| Total domestic deposits to total assets | 78.9993% | 4,548 |
| Equity capital to assets | 12.9067% | 1,312 |
| Core capital (leverage) ratio | 11.8764% | 1,678 |
| Tier 1 risk-based capital ratio | 14.4965% | 3,090 |
| Total risk-based capital ratio | 15.6058% | 3,073 |
| Memoranda: | ||
| Average total assets | $3,228,166,800 | 291 |
| Average earning assets | $2,861,389,000 | 292 |
| Average equity | $411,398,000 | 263 |
| Average total loans | $2,247,050,400 | 291 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4013% | 1,959 |
| Cost of funding earning assets | 0.4034% | 3,159 |
| Net interest margin | 3.9979% | 1,710 |
| Noninterest income to average assets | 0.9091% | 1,245 |
| Noninterest expense to average assets | 3.1255% | 1,737 |
| Loan and lease loss provision to assets | 0.1969% | 966 |
| Net operating income to assets | 0.8999% | 3,026 |
| Return on assets (ROA) | 0.9330% | 2,924 |
| Pretax return on assets | 1.1798% | 2,988 |
| Return on Equity (ROE) | 7.3465% | 3,471 |
| Retained earnings to average equity (ytd only) | 5.9416% | 2,286 |
| Net charge-offs to loans | 0.2958% | 716 |
| Credit loss provision to net charge-offs | 95.6062% | 2,379 |
| Earnings coverage of net charge-offs (x) | 6.4809% | 2,983 |
| Efficiency ratio | 70.0316% | 2,532 |
| Assets per employee ($millions) | 4.8877% | 2,585 |
| Cash dividends to net income (ytd only)* | 19.1235% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,380 |
| Loan loss allowance to noncurrent loans | 139.5539% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 2,350 |
| Noncurrent loans to loans | 0.9278% | 2,068 |
| Net loans and leases to total assets | 68.7938% | 2,725 |
| Net loans and leases to deposits | 89.2459% | 1,898 |
| Net loans and leases to core deposits | 111.5915% | 945 |
| Total domestic deposits to total assets | 77.0834% | 4,871 |
| Equity capital to assets | 13.0199% | 1,382 |
| Core capital (leverage) ratio | 12.2188% | 1,557 |
| Tier 1 risk-based capital ratio | 14.7114% | 3,059 |
| Total risk-based capital ratio | 15.8706% | 3,037 |
| Memoranda: | ||
| Average total assets | $3,182,480,500 | 294 |
| Average earning assets | $2,826,823,750 | 297 |
| Average equity | $404,188,750 | 263 |
| Average total loans | $2,215,557,750 | 292 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 2,008 |
| Cost of funding earning assets | 0.3595% | 3,485 |
| Net interest margin | 3.9786% | 1,676 |
| Noninterest income to average assets | 0.9330% | 1,174 |
| Noninterest expense to average assets | 3.1236% | 1,785 |
| Loan and lease loss provision to assets | 0.2039% | 893 |
| Net operating income to assets | 0.9054% | 2,887 |
| Return on assets (ROA) | 0.9386% | 2,784 |
| Pretax return on assets | 1.1859% | 2,821 |
| Return on Equity (ROE) | 7.4564% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.3787% | 1,915 |
| Net charge-offs to loans | 0.4425% | 453 |
| Credit loss provision to net charge-offs | 66.2115% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.3766% | 2,940 |
| Efficiency ratio | 69.7928% | 2,704 |
| Assets per employee ($millions) | 4.5386% | 3,045 |
| Cash dividends to net income (ytd only)* | 14.4535% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,510 |
| Loan loss allowance to noncurrent loans | 136.5545% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 2,364 |
| Noncurrent loans to loans | 0.9375% | 2,094 |
| Net loans and leases to total assets | 69.1475% | 2,644 |
| Net loans and leases to deposits | 86.6669% | 2,147 |
| Net loans and leases to core deposits | 109.2315% | 1,039 |
| Total domestic deposits to total assets | 79.7855% | 4,460 |
| Equity capital to assets | 12.7531% | 1,492 |
| Core capital (leverage) ratio | 11.7608% | 1,789 |
| Tier 1 risk-based capital ratio | 14.3127% | 3,260 |
| Total risk-based capital ratio | 15.4818% | 3,216 |
| Memoranda: | ||
| Average total assets | $3,138,697,000 | 298 |
| Average earning assets | $2,791,455,670 | 302 |
| Average equity | $395,099,000 | 271 |
| Average total loans | $2,184,205,330 | 297 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2416% | 2,129 |
| Cost of funding earning assets | 0.3288% | 3,758 |
| Net interest margin | 3.9128% | 1,736 |
| Noninterest income to average assets | 1.0148% | 974 |
| Noninterest expense to average assets | 3.1367% | 1,774 |
| Loan and lease loss provision to assets | 0.2180% | 734 |
| Net operating income to assets | 0.9030% | 2,747 |
| Return on assets (ROA) | 0.9522% | 2,576 |
| Pretax return on assets | 1.1965% | 2,612 |
| Return on Equity (ROE) | 7.6152% | 3,109 |
| Retained earnings to average equity (ytd only) | 5.4319% | 2,644 |
| Net charge-offs to loans | -0.0033% | 4,080 |
| Credit loss provision to net charge-offs | -9,444.4444% | 4,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7378% | 2,936 |
| Assets per employee ($millions) | 4.7651% | 2,748 |
| Cash dividends to net income (ytd only)* | 28.6695% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,754 |
| Loan loss allowance to noncurrent loans | 142.0261% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 2,325 |
| Noncurrent loans to loans | 1.0445% | 1,968 |
| Net loans and leases to total assets | 68.0529% | 2,674 |
| Net loans and leases to deposits | 80.9993% | 2,622 |
| Net loans and leases to core deposits | 102.6547% | 1,321 |
| Total domestic deposits to total assets | 84.0167% | 3,470 |
| Equity capital to assets | 12.6638% | 1,433 |
| Core capital (leverage) ratio | 11.5233% | 1,927 |
| Tier 1 risk-based capital ratio | 14.4844% | 3,212 |
| Total risk-based capital ratio | 15.7355% | 3,141 |
| Memoranda: | ||
| Average total assets | $3,119,538,000 | 302 |
| Average earning assets | $2,770,368,500 | 307 |
| Average equity | $390,064,500 | 270 |
| Average total loans | $2,163,650,000 | 302 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 1,971 |
| Cost of funding earning assets | 0.2744% | 4,319 |
| Net interest margin | 4.0800% | 1,427 |
| Noninterest income to average assets | 0.9858% | 1,183 |
| Noninterest expense to average assets | 3.0552% | 2,160 |
| Loan and lease loss provision to assets | 0.2157% | 1,036 |
| Net operating income to assets | 0.9784% | 2,447 |
| Return on assets (ROA) | 1.0889% | 2,046 |
| Pretax return on assets | 1.4887% | 1,619 |
| Return on Equity (ROE) | 8.8423% | 2,493 |
| Retained earnings to average equity (ytd only) | 7.6482% | 981 |
| Net charge-offs to loans | 0.1472% | 1,792 |
| Credit loss provision to net charge-offs | 201.7378% | 1,404 |
| Earnings coverage of net charge-offs (x) | 14.5216% | 2,280 |
| Efficiency ratio | 66.0202% | 3,585 |
| Assets per employee ($millions) | 4.8789% | 2,534 |
| Cash dividends to net income (ytd only)* | 13.5042% | 3,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 2,163 |
| Loan loss allowance to noncurrent loans | 168.7356% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 2,720 |
| Noncurrent loans to loans | 0.8184% | 2,476 |
| Net loans and leases to total assets | 68.6744% | 2,673 |
| Net loans and leases to deposits | 81.1925% | 2,764 |
| Net loans and leases to core deposits | 102.7640% | 1,387 |
| Total domestic deposits to total assets | 84.5822% | 3,213 |
| Equity capital to assets | 12.3453% | 1,607 |
| Core capital (leverage) ratio | 11.4632% | 1,960 |
| Tier 1 risk-based capital ratio | 14.0647% | 3,429 |
| Total risk-based capital ratio | 15.3094% | 3,345 |
| Memoranda: | ||
| Average total assets | $2,959,470,800 | 298 |
| Average earning assets | $2,627,603,800 | 301 |
| Average equity | $364,464,800 | 277 |
| Average total loans | $2,150,313,200 | 292 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 1,971 |
| Cost of funding earning assets | 0.2646% | 4,455 |
| Net interest margin | 4.0975% | 1,394 |
| Noninterest income to average assets | 1.0044% | 1,139 |
| Noninterest expense to average assets | 3.0778% | 2,086 |
| Loan and lease loss provision to assets | 0.2192% | 950 |
| Net operating income to assets | 0.9882% | 2,489 |
| Return on assets (ROA) | 1.1364% | 1,963 |
| Pretax return on assets | 1.5516% | 1,529 |
| Return on Equity (ROE) | 9.2340% | 2,386 |
| Retained earnings to average equity (ytd only) | 7.6173% | 1,351 |
| Net charge-offs to loans | 0.1492% | 1,503 |
| Credit loss provision to net charge-offs | 199.9583% | 1,444 |
| Earnings coverage of net charge-offs (x) | 14.2990% | 2,250 |
| Efficiency ratio | 65.9735% | 3,597 |
| Assets per employee ($millions) | 4.8756% | 2,529 |
| Cash dividends to net income (ytd only)* | 17.5081% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,596 |
| Loan loss allowance to noncurrent loans | 178.7929% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 3,039 |
| Noncurrent loans to loans | 0.7359% | 2,834 |
| Net loans and leases to total assets | 71.4262% | 2,274 |
| Net loans and leases to deposits | 85.9148% | 2,271 |
| Net loans and leases to core deposits | 111.3309% | 845 |
| Total domestic deposits to total assets | 83.1360% | 3,530 |
| Equity capital to assets | 11.9708% | 2,140 |
| Core capital (leverage) ratio | 11.1552% | 2,308 |
| Tier 1 risk-based capital ratio | 12.7351% | 4,320 |
| Total risk-based capital ratio | 13.9170% | 4,269 |
| Memoranda: | ||
| Average total assets | $2,916,274,000 | 300 |
| Average earning assets | $2,591,463,250 | 305 |
| Average equity | $358,909,250 | 279 |
| Average total loans | $2,142,596,250 | 291 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 1,812 |
| Cost of funding earning assets | 0.2683% | 4,460 |
| Net interest margin | 4.1381% | 1,266 |
| Noninterest income to average assets | 1.0249% | 1,067 |
| Noninterest expense to average assets | 3.1257% | 1,992 |
| Loan and lease loss provision to assets | 0.2169% | 964 |
| Net operating income to assets | 1.0110% | 2,342 |
| Return on assets (ROA) | 1.1655% | 1,821 |
| Pretax return on assets | 1.5588% | 1,494 |
| Return on Equity (ROE) | 9.3787% | 2,322 |
| Retained earnings to average equity (ytd only) | 8.1291% | 1,135 |
| Net charge-offs to loans | 0.2069% | 1,120 |
| Credit loss provision to net charge-offs | 141.9104% | 1,663 |
| Earnings coverage of net charge-offs (x) | 10.2692% | 2,345 |
| Efficiency ratio | 66.2873% | 3,632 |
| Assets per employee ($millions) | 4.5292% | 2,972 |
| Cash dividends to net income (ytd only)* | 13.3241% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 2,825 |
| Loan loss allowance to noncurrent loans | 212.1406% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 3,352 |
| Noncurrent loans to loans | 0.6094% | 3,240 |
| Net loans and leases to total assets | 74.1994% | 1,802 |
| Net loans and leases to deposits | 93.0496% | 1,387 |
| Net loans and leases to core deposits | 114.8773% | 687 |
| Total domestic deposits to total assets | 79.7417% | 4,615 |
| Equity capital to assets | 12.7639% | 1,628 |
| Core capital (leverage) ratio | 11.1989% | 2,236 |
| Tier 1 risk-based capital ratio | 13.0700% | 4,164 |
| Total risk-based capital ratio | 14.2534% | 4,110 |
| Memoranda: | ||
| Average total assets | $2,862,866,330 | 303 |
| Average earning assets | $2,539,392,330 | 309 |
| Average equity | $355,785,670 | 277 |
| Average total loans | $2,114,554,670 | 293 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 1,842 |
| Cost of funding earning assets | 0.2815% | 4,368 |
| Net interest margin | 4.1059% | 1,327 |
| Noninterest income to average assets | 1.0881% | 913 |
| Noninterest expense to average assets | 3.1724% | 1,900 |
| Loan and lease loss provision to assets | 0.2536% | 687 |
| Net operating income to assets | 0.9563% | 2,483 |
| Return on assets (ROA) | 0.9584% | 2,586 |
| Pretax return on assets | 1.3064% | 2,275 |
| Return on Equity (ROE) | 7.8177% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.8177% | 1,535 |
| Net charge-offs to loans | 0.2174% | 935 |
| Credit loss provision to net charge-offs | 159.3503% | 1,232 |
| Earnings coverage of net charge-offs (x) | 9.7849% | 1,963 |
| Efficiency ratio | 66.7966% | 3,667 |
| Assets per employee ($millions) | 4.5584% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 2,832 |
| Loan loss allowance to noncurrent loans | 117.1652% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 2,409 |
| Noncurrent loans to loans | 1.1213% | 2,151 |
| Net loans and leases to total assets | 72.0119% | 2,037 |
| Net loans and leases to deposits | 88.0525% | 1,821 |
| Net loans and leases to core deposits | 108.8211% | 926 |
| Total domestic deposits to total assets | 81.7829% | 4,288 |
| Equity capital to assets | 12.3295% | 1,799 |
| Core capital (leverage) ratio | 10.8892% | 2,524 |
| Tier 1 risk-based capital ratio | 12.7475% | 4,434 |
| Total risk-based capital ratio | 13.9317% | 4,378 |
| Memoranda: | ||
| Average total assets | $2,863,068,500 | 299 |
| Average earning assets | $2,539,163,000 | 303 |
| Average equity | $350,998,000 | 280 |
| Average total loans | $2,095,958,500 | 289 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 2,207 |
| Cost of funding earning assets | 0.2345% | 4,956 |
| Net interest margin | 4.0738% | 1,476 |
| Noninterest income to average assets | 1.0523% | 1,067 |
| Noninterest expense to average assets | 3.1447% | 2,101 |
| Loan and lease loss provision to assets | 0.1356% | 1,752 |
| Net operating income to assets | 0.9975% | 2,373 |
| Return on assets (ROA) | 1.0061% | 2,422 |
| Pretax return on assets | 1.3856% | 1,954 |
| Return on Equity (ROE) | 9.1907% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.1907% | 610 |
| Net charge-offs to loans | 0.1759% | 1,631 |
| Credit loss provision to net charge-offs | 103.9886% | 2,412 |
| Earnings coverage of net charge-offs (x) | 11.5746% | 2,555 |
| Efficiency ratio | 67.2651% | 3,704 |
| Assets per employee ($millions) | 4.5669% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,994 |
| Loan loss allowance to noncurrent loans | 149.5608% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 2,829 |
| Noncurrent loans to loans | 0.8593% | 2,632 |
| Net loans and leases to total assets | 72.5011% | 1,967 |
| Net loans and leases to deposits | 86.3117% | 2,092 |
| Net loans and leases to core deposits | 109.5380% | 886 |
| Total domestic deposits to total assets | 83.9992% | 3,482 |
| Equity capital to assets | 12.1888% | 1,820 |
| Core capital (leverage) ratio | 11.0057% | 2,401 |
| Tier 1 risk-based capital ratio | 12.5656% | 4,586 |
| Total risk-based capital ratio | 13.7177% | 4,542 |
| Memoranda: | ||
| Average total assets | $2,691,593,400 | 301 |
| Average earning assets | $2,379,781,600 | 305 |
| Average equity | $294,657,000 | 308 |
| Average total loans | $1,994,998,200 | 285 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 2,213 |
| Cost of funding earning assets | 0.2348% | 5,044 |
| Net interest margin | 4.0690% | 1,493 |
| Noninterest income to average assets | 1.0884% | 1,016 |
| Noninterest expense to average assets | 3.1974% | 1,977 |
| Loan and lease loss provision to assets | 0.1709% | 1,236 |
| Net operating income to assets | 0.9670% | 2,634 |
| Return on assets (ROA) | 0.9787% | 2,658 |
| Pretax return on assets | 1.3329% | 2,272 |
| Return on Equity (ROE) | 9.2209% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.2209% | 821 |
| Net charge-offs to loans | 0.1748% | 1,428 |
| Credit loss provision to net charge-offs | 131.5789% | 1,862 |
| Earnings coverage of net charge-offs (x) | 11.4528% | 2,486 |
| Efficiency ratio | 67.9386% | 3,551 |
| Assets per employee ($millions) | 4.5149% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 2,890 |
| Loan loss allowance to noncurrent loans | 184.3372% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 3,218 |
| Noncurrent loans to loans | 0.7291% | 3,148 |
| Net loans and leases to total assets | 73.3714% | 1,844 |
| Net loans and leases to deposits | 87.9360% | 1,910 |
| Net loans and leases to core deposits | 112.9912% | 707 |
| Total domestic deposits to total assets | 83.4374% | 3,638 |
| Equity capital to assets | 12.2924% | 1,876 |
| Core capital (leverage) ratio | 11.1268% | 2,373 |
| Tier 1 risk-based capital ratio | 12.5102% | 4,750 |
| Total risk-based capital ratio | 13.7133% | 4,686 |
| Memoranda: | ||
| Average total assets | $2,652,049,250 | 311 |
| Average earning assets | $2,344,297,000 | 315 |
| Average equity | $281,483,000 | 323 |
| Average total loans | $1,970,494,000 | 292 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,322 |
| Cost of funding earning assets | 0.2350% | 5,096 |
| Net interest margin | 4.0256% | 1,567 |
| Noninterest income to average assets | 1.1153% | 973 |
| Noninterest expense to average assets | 3.1802% | 2,033 |
| Loan and lease loss provision to assets | 0.2140% | 896 |
| Net operating income to assets | 0.9552% | 2,605 |
| Return on assets (ROA) | 0.9730% | 2,632 |
| Pretax return on assets | 1.3046% | 2,346 |
| Return on Equity (ROE) | 9.7073% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.7073% | 727 |
| Net charge-offs to loans | 0.2123% | 1,198 |
| Credit loss provision to net charge-offs | 135.7247% | 1,646 |
| Earnings coverage of net charge-offs (x) | 9.4789% | 2,447 |
| Efficiency ratio | 67.7158% | 3,716 |
| Assets per employee ($millions) | 4.3460% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 2,764 |
| Loan loss allowance to noncurrent loans | 143.1390% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.8608% | 2,832 |
| Noncurrent loans to loans | 0.9773% | 2,690 |
| Net loans and leases to total assets | 73.1059% | 1,803 |
| Net loans and leases to deposits | 87.0553% | 1,935 |
| Net loans and leases to core deposits | 109.5551% | 859 |
| Total domestic deposits to total assets | 83.9765% | 3,573 |
| Equity capital to assets | 10.0804% | 3,946 |
| Core capital (leverage) ratio | 8.7774% | 5,250 |
| Tier 1 risk-based capital ratio | 9.8594% | 6,130 |
| Total risk-based capital ratio | 11.0920% | 6,081 |
| Memoranda: | ||
| Average total assets | $2,616,526,670 | 313 |
| Average earning assets | $2,313,647,000 | 316 |
| Average equity | $262,277,330 | 340 |
| Average total loans | $1,943,454,670 | 292 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 2,339 |
| Cost of funding earning assets | 0.2306% | 5,209 |
| Net interest margin | 4.0015% | 1,547 |
| Noninterest income to average assets | 1.1480% | 866 |
| Noninterest expense to average assets | 3.2385% | 1,879 |
| Loan and lease loss provision to assets | 0.2770% | 554 |
| Net operating income to assets | 0.8771% | 2,856 |
| Return on assets (ROA) | 0.9092% | 2,825 |
| Pretax return on assets | 1.2227% | 2,575 |
| Return on Equity (ROE) | 9.0964% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.0964% | 1,163 |
| Net charge-offs to loans | 0.2886% | 830 |
| Credit loss provision to net charge-offs | 129.1248% | 1,376 |
| Earnings coverage of net charge-offs (x) | 6.7884% | 2,247 |
| Efficiency ratio | 68.6695% | 3,716 |
| Assets per employee ($millions) | 4.4687% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 2,870 |
| Loan loss allowance to noncurrent loans | 133.0558% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 2,893 |
| Noncurrent loans to loans | 1.0600% | 2,645 |
| Net loans and leases to total assets | 72.2721% | 1,765 |
| Net loans and leases to deposits | 82.1772% | 2,323 |
| Net loans and leases to core deposits | 105.2283% | 992 |
| Total domestic deposits to total assets | 87.9466% | 1,861 |
| Equity capital to assets | 10.0130% | 4,131 |
| Core capital (leverage) ratio | 8.5451% | 5,479 |
| Tier 1 risk-based capital ratio | 9.8577% | 6,202 |
| Total risk-based capital ratio | 11.1077% | 6,163 |
| Memoranda: | ||
| Average total assets | $2,599,252,500 | 312 |
| Average earning assets | $2,303,861,500 | 317 |
| Average equity | $259,796,000 | 339 |
| Average total loans | $1,932,387,000 | 288 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 2,898 |
| Cost of funding earning assets | 0.2456% | 5,371 |
| Net interest margin | 3.9705% | 1,974 |
| Noninterest income to average assets | 1.1104% | 993 |
| Noninterest expense to average assets | 3.2425% | 2,093 |
| Loan and lease loss provision to assets | 0.3257% | 602 |
| Net operating income to assets | 0.7924% | 3,411 |
| Return on assets (ROA) | 0.7787% | 3,568 |
| Pretax return on assets | 1.0452% | 3,321 |
| Return on Equity (ROE) | 7.8370% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.8370% | 1,081 |
| Net charge-offs to loans | 0.0967% | 3,121 |
| Credit loss provision to net charge-offs | 471.6444% | 559 |
| Earnings coverage of net charge-offs (x) | 20.0476% | 1,741 |
| Efficiency ratio | 69.6899% | 3,585 |
| Assets per employee ($millions) | 4.3873% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 3,043 |
| Loan loss allowance to noncurrent loans | 218.6096% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 3,856 |
| Noncurrent loans to loans | 0.6314% | 3,794 |
| Net loans and leases to total assets | 74.3640% | 1,524 |
| Net loans and leases to deposits | 84.4993% | 2,157 |
| Net loans and leases to core deposits | 106.2832% | 1,000 |
| Total domestic deposits to total assets | 88.0054% | 1,766 |
| Equity capital to assets | 9.9767% | 4,141 |
| Core capital (leverage) ratio | 8.4011% | 5,658 |
| Tier 1 risk-based capital ratio | 9.9737% | 6,268 |
| Total risk-based capital ratio | 11.2242% | 6,218 |
| Memoranda: | ||
| Average total assets | $2,492,056,000 | 304 |
| Average earning assets | $2,207,199,800 | 310 |
| Average equity | $247,618,800 | 335 |
| Average total loans | $1,780,449,600 | 290 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 3,141 |
| Cost of funding earning assets | 0.2475% | 5,435 |
| Net interest margin | 3.9096% | 2,198 |
| Noninterest income to average assets | 1.1414% | 923 |
| Noninterest expense to average assets | 3.2650% | 1,981 |
| Loan and lease loss provision to assets | 0.3946% | 433 |
| Net operating income to assets | 0.7288% | 3,792 |
| Return on assets (ROA) | 0.7104% | 3,990 |
| Pretax return on assets | 0.9285% | 3,870 |
| Return on Equity (ROE) | 7.1571% | 3,632 |
| Retained earnings to average equity (ytd only) | 7.1571% | 1,735 |
| Net charge-offs to loans | 0.1128% | 2,674 |
| Credit loss provision to net charge-offs | 496.7413% | 580 |
| Earnings coverage of net charge-offs (x) | 16.8846% | 1,939 |
| Efficiency ratio | 70.4685% | 3,425 |
| Assets per employee ($millions) | 4.4363% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 3,283 |
| Loan loss allowance to noncurrent loans | 236.0533% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 4,213 |
| Noncurrent loans to loans | 0.5830% | 4,177 |
| Net loans and leases to total assets | 73.5094% | 1,595 |
| Net loans and leases to deposits | 91.3988% | 1,290 |
| Net loans and leases to core deposits | 109.1062% | 789 |
| Total domestic deposits to total assets | 80.4271% | 4,984 |
| Equity capital to assets | 10.0775% | 4,071 |
| Core capital (leverage) ratio | 8.6917% | 5,449 |
| Tier 1 risk-based capital ratio | 10.2692% | 6,279 |
| Total risk-based capital ratio | 11.5197% | 6,242 |
| Memoranda: | ||
| Average total assets | $2,472,337,250 | 303 |
| Average earning assets | $2,191,089,500 | 308 |
| Average equity | $245,400,250 | 335 |
| Average total loans | $1,740,910,500 | 290 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 3,421 |
| Cost of funding earning assets | 0.2514% | 5,471 |
| Net interest margin | 3.8295% | 2,450 |
| Noninterest income to average assets | 1.1468% | 898 |
| Noninterest expense to average assets | 3.1338% | 2,382 |
| Loan and lease loss provision to assets | 0.2332% | 975 |
| Net operating income to assets | 0.8745% | 2,939 |
| Return on assets (ROA) | 0.8570% | 3,131 |
| Pretax return on assets | 1.1542% | 2,861 |
| Return on Equity (ROE) | 8.6798% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.6798% | 1,082 |
| Net charge-offs to loans | 0.1586% | 2,123 |
| Credit loss provision to net charge-offs | 213.1638% | 1,111 |
| Earnings coverage of net charge-offs (x) | 12.8384% | 2,029 |
| Efficiency ratio | 68.6124% | 3,894 |
| Assets per employee ($millions) | 4.2026% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 4,125 |
| Loan loss allowance to noncurrent loans | 195.8639% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 4,125 |
| Noncurrent loans to loans | 0.6408% | 4,103 |
| Net loans and leases to total assets | 70.4988% | 2,001 |
| Net loans and leases to deposits | 81.8242% | 2,271 |
| Net loans and leases to core deposits | 99.0030% | 1,370 |
| Total domestic deposits to total assets | 86.1588% | 2,964 |
| Equity capital to assets | 10.2072% | 3,814 |
| Core capital (leverage) ratio | 8.5972% | 5,535 |
| Tier 1 risk-based capital ratio | 10.7818% | 6,140 |
| Total risk-based capital ratio | 11.9285% | 6,134 |
| Memoranda: | ||
| Average total assets | $2,444,686,000 | 303 |
| Average earning assets | $2,164,940,330 | 309 |
| Average equity | $241,364,000 | 336 |
| Average total loans | $1,686,351,670 | 296 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,693 |
| Cost of funding earning assets | 0.2534% | 5,547 |
| Net interest margin | 3.7442% | 2,698 |
| Noninterest income to average assets | 1.1890% | 785 |
| Noninterest expense to average assets | 3.2454% | 2,085 |
| Loan and lease loss provision to assets | 0.1880% | 1,268 |
| Net operating income to assets | 0.8129% | 3,096 |
| Return on assets (ROA) | 0.7816% | 3,325 |
| Pretax return on assets | 1.0357% | 3,188 |
| Return on Equity (ROE) | 8.0528% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.0528% | 1,577 |
| Net charge-offs to loans | -0.0082% | 4,972 |
| Credit loss provision to net charge-offs | -3,382.3529% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5676% | 3,567 |
| Assets per employee ($millions) | 4.2771% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 4,244 |
| Loan loss allowance to noncurrent loans | 178.1121% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 4,044 |
| Noncurrent loans to loans | 0.7166% | 4,078 |
| Net loans and leases to total assets | 68.1250% | 2,204 |
| Net loans and leases to deposits | 77.4880% | 2,631 |
| Net loans and leases to core deposits | 94.2484% | 1,527 |
| Total domestic deposits to total assets | 87.9169% | 2,279 |
| Equity capital to assets | 9.8353% | 4,052 |
| Core capital (leverage) ratio | 8.3310% | 5,819 |
| Tier 1 risk-based capital ratio | 10.7203% | 6,267 |
| Total risk-based capital ratio | 11.8770% | 6,264 |
| Memoranda: | ||
| Average total assets | $2,446,185,000 | 305 |
| Average earning assets | $2,165,998,500 | 310 |
| Average equity | $237,432,500 | 341 |
| Average total loans | $1,657,908,500 | 297 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 4,168 |
| Cost of funding earning assets | 0.2851% | 5,715 |
| Net interest margin | 3.6913% | 3,091 |
| Noninterest income to average assets | 1.2039% | 971 |
| Noninterest expense to average assets | 3.2756% | 2,203 |
| Loan and lease loss provision to assets | 0.1774% | 2,083 |
| Net operating income to assets | 0.7560% | 3,512 |
| Return on assets (ROA) | 0.7544% | 3,614 |
| Pretax return on assets | 1.0187% | 3,276 |
| Return on Equity (ROE) | 7.9071% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.9071% | 1,086 |
| Net charge-offs to loans | 0.1135% | 3,682 |
| Credit loss provision to net charge-offs | 235.6802% | 971 |
| Earnings coverage of net charge-offs (x) | 15.8192% | 1,845 |
| Efficiency ratio | 72.7969% | 3,334 |
| Assets per employee ($millions) | 4.2685% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 4,382 |
| Loan loss allowance to noncurrent loans | 197.5553% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 4,122 |
| Noncurrent loans to loans | 0.6333% | 4,395 |
| Net loans and leases to total assets | 65.7119% | 2,738 |
| Net loans and leases to deposits | 74.6436% | 3,166 |
| Net loans and leases to core deposits | 90.5790% | 1,955 |
| Total domestic deposits to total assets | 88.0342% | 2,156 |
| Equity capital to assets | 9.5772% | 4,317 |
| Core capital (leverage) ratio | 8.4094% | 5,767 |
| Tier 1 risk-based capital ratio | 10.6891% | 6,304 |
| Total risk-based capital ratio | 11.8074% | 6,307 |
| Memoranda: | ||
| Average total assets | $2,226,373,600 | 325 |
| Average earning assets | $1,967,837,600 | 328 |
| Average equity | $212,415,600 | 366 |
| Average total loans | $1,476,068,600 | 310 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 3,693 |
| Cost of funding earning assets | 0.2672% | 5,976 |
| Net interest margin | 3.8485% | 2,471 |
| Noninterest income to average assets | 1.2712% | 908 |
| Noninterest expense to average assets | 3.5534% | 1,488 |
| Loan and lease loss provision to assets | 0.1781% | 2,043 |
| Net operating income to assets | 0.6835% | 3,936 |
| Return on assets (ROA) | 0.7104% | 3,937 |
| Pretax return on assets | 0.9802% | 3,585 |
| Return on Equity (ROE) | 7.4538% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.4538% | 1,666 |
| Net charge-offs to loans | 0.0643% | 3,994 |
| Credit loss provision to net charge-offs | 417.8674% | 642 |
| Earnings coverage of net charge-offs (x) | 26.3040% | 1,355 |
| Efficiency ratio | 75.4900% | 2,816 |
| Assets per employee ($millions) | 3.9832% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 4,448 |
| Loan loss allowance to noncurrent loans | 166.8887% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 4,088 |
| Noncurrent loans to loans | 0.7727% | 4,304 |
| Net loans and leases to total assets | 69.1570% | 2,108 |
| Net loans and leases to deposits | 78.7028% | 2,558 |
| Net loans and leases to core deposits | 95.0236% | 1,472 |
| Total domestic deposits to total assets | 87.8711% | 2,209 |
| Equity capital to assets | 10.0388% | 3,850 |
| Core capital (leverage) ratio | 8.6831% | 5,562 |
| Tier 1 risk-based capital ratio | 10.6928% | 6,396 |
| Total risk-based capital ratio | 11.8604% | 6,390 |
| Memoranda: | ||
| Average total assets | $2,171,499,000 | 332 |
| Average earning assets | $1,920,157,250 | 333 |
| Average equity | $206,958,250 | 374 |
| Average total loans | $1,438,187,750 | 320 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 3,956 |
| Cost of funding earning assets | 0.2733% | 6,030 |
| Net interest margin | 3.7679% | 2,683 |
| Noninterest income to average assets | 1.2643% | 966 |
| Noninterest expense to average assets | 3.5928% | 1,420 |
| Loan and lease loss provision to assets | 0.1724% | 2,184 |
| Net operating income to assets | 0.6165% | 4,211 |
| Return on assets (ROA) | 0.6585% | 4,184 |
| Pretax return on assets | 0.8881% | 3,956 |
| Return on Equity (ROE) | 7.0399% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.0399% | 1,876 |
| Net charge-offs to loans | 0.0820% | 3,548 |
| Credit loss provision to net charge-offs | 323.9930% | 804 |
| Earnings coverage of net charge-offs (x) | 18.8669% | 1,534 |
| Efficiency ratio | 77.6174% | 2,524 |
| Assets per employee ($millions) | 3.8696% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,429 |
| Loan loss allowance to noncurrent loans | 130.8451% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 3,848 |
| Noncurrent loans to loans | 1.0052% | 3,925 |
| Net loans and leases to total assets | 67.7890% | 2,291 |
| Net loans and leases to deposits | 79.9193% | 2,332 |
| Net loans and leases to core deposits | 95.6190% | 1,387 |
| Total domestic deposits to total assets | 84.8218% | 3,982 |
| Equity capital to assets | 9.3985% | 4,723 |
| Core capital (leverage) ratio | 7.6717% | 6,384 |
| Tier 1 risk-based capital ratio | 9.8248% | 6,670 |
| Total risk-based capital ratio | 11.0076% | 6,663 |
| Memoranda: | ||
| Average total assets | $2,146,491,000 | 334 |
| Average earning assets | $1,898,367,330 | 337 |
| Average equity | $200,769,330 | 382 |
| Average total loans | $1,392,942,330 | 328 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9436% | 4,314 |
| Cost of funding earning assets | 0.2825% | 6,090 |
| Net interest margin | 3.6610% | 3,031 |
| Noninterest income to average assets | 1.3323% | 869 |
| Noninterest expense to average assets | 3.5985% | 1,423 |
| Loan and lease loss provision to assets | 0.1955% | 1,891 |
| Net operating income to assets | 0.5626% | 4,397 |
| Return on assets (ROA) | 0.5851% | 4,437 |
| Pretax return on assets | 0.8079% | 4,139 |
| Return on Equity (ROE) | 6.2710% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.2710% | 2,526 |
| Net charge-offs to loans | 0.1079% | 2,793 |
| Credit loss provision to net charge-offs | 287.6712% | 829 |
| Earnings coverage of net charge-offs (x) | 14.3014% | 1,463 |
| Efficiency ratio | 78.1567% | 2,585 |
| Assets per employee ($millions) | 4.0604% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 4,329 |
| Loan loss allowance to noncurrent loans | 114.2171% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.0010% | 3,924 |
| Noncurrent loans to loans | 1.2091% | 3,748 |
| Net loans and leases to total assets | 61.7220% | 3,120 |
| Net loans and leases to deposits | 71.5664% | 3,243 |
| Net loans and leases to core deposits | 86.3500% | 2,075 |
| Total domestic deposits to total assets | 86.2444% | 3,391 |
| Equity capital to assets | 9.4019% | 4,998 |
| Core capital (leverage) ratio | 7.4586% | 6,486 |
| Tier 1 risk-based capital ratio | 10.1298% | 6,667 |
| Total risk-based capital ratio | 11.3438% | 6,664 |
| Memoranda: | ||
| Average total assets | $2,147,865,500 | 337 |
| Average earning assets | $1,899,895,500 | 339 |
| Average equity | $200,414,000 | 389 |
| Average total loans | $1,353,118,500 | 334 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 4,850 |
| Cost of funding earning assets | 0.3524% | 6,194 |
| Net interest margin | 3.7753% | 3,338 |
| Noninterest income to average assets | 1.2145% | 1,059 |
| Noninterest expense to average assets | 3.5555% | 1,709 |
| Loan and lease loss provision to assets | 0.2253% | 2,875 |
| Net operating income to assets | 0.5794% | 4,340 |
| Return on assets (ROA) | 0.6594% | 4,207 |
| Pretax return on assets | 0.8672% | 4,041 |
| Return on Equity (ROE) | 7.0539% | 3,615 |
| Retained earnings to average equity (ytd only) | 3.0365% | 4,099 |
| Net charge-offs to loans | 0.1905% | 3,852 |
| Credit loss provision to net charge-offs | 195.9869% | 1,330 |
| Earnings coverage of net charge-offs (x) | 8.5866% | 2,385 |
| Efficiency ratio | 77.8687% | 2,465 |
| Assets per employee ($millions) | 3.8897% | 4,172 |
| Cash dividends to net income (ytd only)* | 56.9522% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 4,181 |
| Loan loss allowance to noncurrent loans | 124.5601% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 4,298 |
| Noncurrent loans to loans | 1.1226% | 3,964 |
| Net loans and leases to total assets | 63.1621% | 3,022 |
| Net loans and leases to deposits | 71.1516% | 3,542 |
| Net loans and leases to core deposits | 84.5380% | 2,485 |
| Total domestic deposits to total assets | 88.7712% | 1,718 |
| Equity capital to assets | 9.0098% | 5,510 |
| Core capital (leverage) ratio | 7.5609% | 6,469 |
| Tier 1 risk-based capital ratio | 9.4851% | 6,805 |
| Total risk-based capital ratio | 10.7188% | 6,801 |
| Memoranda: | ||
| Average total assets | $1,863,915,800 | 376 |
| Average earning assets | $1,643,160,000 | 379 |
| Average equity | $174,245,000 | 431 |
| Average total loans | $1,124,969,200 | 387 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 5,123 |
| Cost of funding earning assets | 0.3787% | 6,240 |
| Net interest margin | 3.7393% | 3,612 |
| Noninterest income to average assets | 1.2486% | 960 |
| Noninterest expense to average assets | 3.5483% | 1,656 |
| Loan and lease loss provision to assets | 0.2295% | 2,760 |
| Net operating income to assets | 0.5564% | 4,596 |
| Return on assets (ROA) | 0.6558% | 4,380 |
| Pretax return on assets | 0.9100% | 4,067 |
| Return on Equity (ROE) | 6.9461% | 3,847 |
| Retained earnings to average equity (ytd only) | 1.5442% | 5,560 |
| Net charge-offs to loans | 0.2117% | 3,460 |
| Credit loss provision to net charge-offs | 182.7146% | 1,524 |
| Earnings coverage of net charge-offs (x) | 7.9733% | 2,519 |
| Efficiency ratio | 77.5821% | 2,444 |
| Assets per employee ($millions) | 3.6426% | 4,672 |
| Cash dividends to net income (ytd only)* | 77.7692% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 4,236 |
| Loan loss allowance to noncurrent loans | 148.9910% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8741% | 4,535 |
| Noncurrent loans to loans | 0.9607% | 4,513 |
| Net loans and leases to total assets | 64.8066% | 2,878 |
| Net loans and leases to deposits | 76.5395% | 2,905 |
| Net loans and leases to core deposits | 86.7681% | 2,372 |
| Total domestic deposits to total assets | 84.6709% | 3,906 |
| Equity capital to assets | 9.6646% | 4,968 |
| Core capital (leverage) ratio | 7.7113% | 6,521 |
| Tier 1 risk-based capital ratio | 9.7720% | 6,852 |
| Total risk-based capital ratio | 11.0221% | 6,836 |
| Memoranda: | ||
| Average total assets | $1,830,064,500 | 381 |
| Average earning assets | $1,615,647,500 | 382 |
| Average equity | $172,772,500 | 433 |
| Average total loans | $1,086,031,000 | 397 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 5,502 |
| Cost of funding earning assets | 0.4022% | 6,253 |
| Net interest margin | 3.6421% | 4,071 |
| Noninterest income to average assets | 1.3077% | 831 |
| Noninterest expense to average assets | 3.5445% | 1,688 |
| Loan and lease loss provision to assets | 0.2297% | 2,775 |
| Net operating income to assets | 0.5297% | 4,676 |
| Return on assets (ROA) | 0.6708% | 4,276 |
| Pretax return on assets | 0.9590% | 3,854 |
| Return on Equity (ROE) | 7.1627% | 3,691 |
| Retained earnings to average equity (ytd only) | -1.0139% | 6,214 |
| Net charge-offs to loans | 0.1752% | 3,549 |
| Credit loss provision to net charge-offs | 229.2576% | 1,247 |
| Earnings coverage of net charge-offs (x) | 9.8504% | 2,126 |
| Efficiency ratio | 77.8089% | 2,486 |
| Assets per employee ($millions) | 3.5392% | 4,892 |
| Cash dividends to net income (ytd only)* | 114.1553% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 3,652 |
| Loan loss allowance to noncurrent loans | 101.7015% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.1966% | 4,017 |
| Noncurrent loans to loans | 1.5597% | 3,571 |
| Net loans and leases to total assets | 59.6072% | 3,895 |
| Net loans and leases to deposits | 67.8680% | 4,227 |
| Net loans and leases to core deposits | 78.8652% | 3,383 |
| Total domestic deposits to total assets | 87.8281% | 2,264 |
| Equity capital to assets | 9.6953% | 4,763 |
| Core capital (leverage) ratio | 7.5270% | 6,614 |
| Tier 1 risk-based capital ratio | 10.5838% | 6,669 |
| Total risk-based capital ratio | 11.8353% | 6,651 |
| Memoranda: | ||
| Average total assets | $1,828,134,000 | 382 |
| Average earning assets | $1,618,223,000 | 381 |
| Average equity | $171,220,670 | 438 |
| Average total loans | $1,045,697,000 | 408 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 5,749 |
| Cost of funding earning assets | 0.4312% | 6,249 |
| Net interest margin | 3.5709% | 4,391 |
| Noninterest income to average assets | 1.3854% | 757 |
| Noninterest expense to average assets | 3.5507% | 1,660 |
| Loan and lease loss provision to assets | 0.2263% | 2,683 |
| Net operating income to assets | 0.5675% | 4,502 |
| Return on assets (ROA) | 0.6333% | 4,416 |
| Pretax return on assets | 0.8756% | 4,130 |
| Return on Equity (ROE) | 6.8775% | 3,848 |
| Retained earnings to average equity (ytd only) | -9.5087% | 6,825 |
| Net charge-offs to loans | 0.2489% | 2,679 |
| Credit loss provision to net charge-offs | 163.5514% | 1,554 |
| Earnings coverage of net charge-offs (x) | 7.3022% | 2,091 |
| Efficiency ratio | 77.4433% | 2,578 |
| Assets per employee ($millions) | 3.8583% | 4,294 |
| Cash dividends to net income (ytd only)* | 238.2573% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 3,745 |
| Loan loss allowance to noncurrent loans | 150.8956% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 5,106 |
| Noncurrent loans to loans | 1.0568% | 4,587 |
| Net loans and leases to total assets | 53.6168% | 4,785 |
| Net loans and leases to deposits | 60.4599% | 5,100 |
| Net loans and leases to core deposits | 69.5509% | 4,491 |
| Total domestic deposits to total assets | 88.6816% | 1,896 |
| Equity capital to assets | 9.0398% | 5,434 |
| Core capital (leverage) ratio | 7.0779% | 6,811 |
| Tier 1 risk-based capital ratio | 10.6542% | 6,694 |
| Total risk-based capital ratio | 11.9055% | 6,672 |
| Memoranda: | ||
| Average total assets | $1,855,629,000 | 376 |
| Average earning assets | $1,650,353,000 | 374 |
| Average equity | $170,875,500 | 436 |
| Average total loans | $1,031,567,000 | 410 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 5,060 |
| Cost of funding earning assets | 0.5992% | 6,092 |
| Net interest margin | 3.9048% | 3,318 |
| Noninterest income to average assets | 1.4138% | 649 |
| Noninterest expense to average assets | 3.4483% | 2,123 |
| Loan and lease loss provision to assets | 0.9715% | 985 |
| Net operating income to assets | 0.3725% | 4,982 |
| Return on assets (ROA) | 0.4322% | 4,925 |
| Pretax return on assets | 0.5040% | 4,980 |
| Return on Equity (ROE) | 4.5517% | 4,600 |
| Retained earnings to average equity (ytd only) | -3.0514% | 6,277 |
| Net charge-offs to loans | 1.2102% | 1,388 |
| Credit loss provision to net charge-offs | 130.4207% | 2,347 |
| Earnings coverage of net charge-offs (x) | 1.8876% | 4,364 |
| Efficiency ratio | 70.6156% | 3,829 |
| Assets per employee ($millions) | 3.8095% | 4,304 |
| Cash dividends to net income (ytd only)* | 167.0379% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 3,938 |
| Loan loss allowance to noncurrent loans | 160.0626% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 5,254 |
| Noncurrent loans to loans | 0.9490% | 4,806 |
| Net loans and leases to total assets | 55.8541% | 4,732 |
| Net loans and leases to deposits | 63.2297% | 5,097 |
| Net loans and leases to core deposits | 72.5244% | 4,438 |
| Total domestic deposits to total assets | 88.3351% | 1,950 |
| Equity capital to assets | 9.3801% | 5,045 |
| Core capital (leverage) ratio | 7.5184% | 6,639 |
| Tier 1 risk-based capital ratio | 10.8665% | 6,527 |
| Total risk-based capital ratio | 12.1172% | 6,502 |
| Memoranda: | ||
| Average total assets | $1,662,340,600 | 399 |
| Average earning assets | $1,464,696,800 | 405 |
| Average equity | $157,831,600 | 447 |
| Average total loans | $1,023,216,400 | 415 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6266% | 4,761 |
| Cost of funding earning assets | 0.6394% | 6,099 |
| Net interest margin | 3.9872% | 2,967 |
| Noninterest income to average assets | 1.4835% | 593 |
| Noninterest expense to average assets | 3.5527% | 1,806 |
| Loan and lease loss provision to assets | 0.7499% | 1,271 |
| Net operating income to assets | 0.5040% | 4,532 |
| Return on assets (ROA) | 0.5694% | 4,400 |
| Pretax return on assets | 0.7762% | 4,211 |
| Return on Equity (ROE) | 5.9771% | 4,029 |
| Retained earnings to average equity (ytd only) | -4.4028% | 6,548 |
| Net charge-offs to loans | 1.0187% | 1,575 |
| Credit loss provision to net charge-offs | 116.9816% | 2,790 |
| Earnings coverage of net charge-offs (x) | 2.2409% | 4,007 |
| Efficiency ratio | 70.7877% | 3,790 |
| Assets per employee ($millions) | 3.6204% | 4,706 |
| Cash dividends to net income (ytd only)* | 173.6614% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 5,099 |
| Loan loss allowance to noncurrent loans | 273.7390% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 5,891 |
| Noncurrent loans to loans | 0.4677% | 5,908 |
| Net loans and leases to total assets | 61.2663% | 3,891 |
| Net loans and leases to deposits | 70.9703% | 4,144 |
| Net loans and leases to core deposits | 78.3731% | 3,844 |
| Total domestic deposits to total assets | 86.3266% | 3,025 |
| Equity capital to assets | 10.2666% | 4,004 |
| Core capital (leverage) ratio | 8.2621% | 6,035 |
| Tier 1 risk-based capital ratio | 10.9457% | 6,575 |
| Total risk-based capital ratio | 12.0650% | 6,633 |
| Memoranda: | ||
| Average total assets | $1,617,926,500 | 410 |
| Average earning assets | $1,422,549,750 | 419 |
| Average equity | $154,141,250 | 462 |
| Average total loans | $1,018,129,500 | 417 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 4,879 |
| Cost of funding earning assets | 0.6431% | 6,259 |
| Net interest margin | 3.9795% | 2,942 |
| Noninterest income to average assets | 1.5286% | 544 |
| Noninterest expense to average assets | 3.6049% | 1,727 |
| Loan and lease loss provision to assets | 1.0095% | 861 |
| Net operating income to assets | 0.3240% | 5,274 |
| Return on assets (ROA) | 0.3783% | 5,182 |
| Pretax return on assets | 0.4758% | 5,150 |
| Return on Equity (ROE) | 4.0829% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.0829% | 3,601 |
| Net charge-offs to loans | 1.5431% | 953 |
| Credit loss provision to net charge-offs | 103.4571% | 2,986 |
| Earnings coverage of net charge-offs (x) | 1.4525% | 4,191 |
| Efficiency ratio | 71.3576% | 3,867 |
| Assets per employee ($millions) | 3.5508% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,526 |
| Loan loss allowance to noncurrent loans | 200.2918% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 5,954 |
| Noncurrent loans to loans | 0.6011% | 5,713 |
| Net loans and leases to total assets | 63.1697% | 3,648 |
| Net loans and leases to deposits | 73.1135% | 3,927 |
| Net loans and leases to core deposits | 80.5448% | 3,710 |
| Total domestic deposits to total assets | 86.3996% | 3,102 |
| Equity capital to assets | 9.4125% | 4,953 |
| Core capital (leverage) ratio | 7.0388% | 6,984 |
| Tier 1 risk-based capital ratio | 9.5018% | 7,104 |
| Total risk-based capital ratio | 10.5621% | 7,137 |
| Memoranda: | ||
| Average total assets | $1,594,873,670 | 425 |
| Average earning assets | $1,400,138,670 | 436 |
| Average equity | $147,786,000 | 480 |
| Average total loans | $1,008,499,670 | 429 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 5,009 |
| Cost of funding earning assets | 0.6581% | 6,352 |
| Net interest margin | 3.9278% | 3,013 |
| Noninterest income to average assets | 1.6958% | 479 |
| Noninterest expense to average assets | 3.6967% | 1,542 |
| Loan and lease loss provision to assets | 0.2642% | 3,019 |
| Net operating income to assets | 0.8376% | 2,841 |
| Return on assets (ROA) | 0.8942% | 2,653 |
| Pretax return on assets | 1.2562% | 2,175 |
| Return on Equity (ROE) | 9.7273% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.7273% | 1,171 |
| Net charge-offs to loans | 0.2821% | 2,939 |
| Credit loss provision to net charge-offs | 148.9362% | 1,920 |
| Earnings coverage of net charge-offs (x) | 8.1220% | 1,857 |
| Efficiency ratio | 71.5412% | 3,954 |
| Assets per employee ($millions) | 3.6269% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 5,464 |
| Loan loss allowance to noncurrent loans | 282.9274% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 5,625 |
| Noncurrent loans to loans | 0.4361% | 6,135 |
| Net loans and leases to total assets | 62.0640% | 3,845 |
| Net loans and leases to deposits | 71.6398% | 4,118 |
| Net loans and leases to core deposits | 78.6382% | 3,937 |
| Total domestic deposits to total assets | 86.6333% | 3,163 |
| Equity capital to assets | 9.3118% | 4,706 |
| Core capital (leverage) ratio | 7.1720% | 6,930 |
| Tier 1 risk-based capital ratio | 9.6562% | 7,108 |
| Total risk-based capital ratio | 10.7370% | 7,152 |
| Memoranda: | ||
| Average total assets | $1,589,833,000 | 431 |
| Average earning assets | $1,393,059,500 | 444 |
| Average equity | $146,145,500 | 482 |
| Average total loans | $999,649,500 | 437 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 5,051 |
| Cost of funding earning assets | 0.7767% | 6,655 |
| Net interest margin | 4.1202% | 2,481 |
| Noninterest income to average assets | 1.5738% | 590 |
| Noninterest expense to average assets | 3.6721% | 1,769 |
| Loan and lease loss provision to assets | 0.3405% | 4,107 |
| Net operating income to assets | 0.8969% | 2,398 |
| Return on assets (ROA) | 1.1479% | 1,633 |
| Pretax return on assets | 1.4811% | 1,423 |
| Return on Equity (ROE) | 12.2809% | 1,260 |
| Retained earnings to average equity (ytd only) | 12.2809% | 252 |
| Net charge-offs to loans | 0.2197% | 4,977 |
| Credit loss provision to net charge-offs | 246.3693% | 1,167 |
| Earnings coverage of net charge-offs (x) | 10.8237% | 1,668 |
| Efficiency ratio | 70.5885% | 4,057 |
| Assets per employee ($millions) | 3.8359% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 5,422 |
| Loan loss allowance to noncurrent loans | 714.6067% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 5,981 |
| Noncurrent loans to loans | 0.1705% | 6,726 |
| Net loans and leases to total assets | 62.1502% | 4,254 |
| Net loans and leases to deposits | 71.6108% | 4,584 |
| Net loans and leases to core deposits | 77.9530% | 4,462 |
| Total domestic deposits to total assets | 86.7888% | 2,936 |
| Equity capital to assets | 9.0712% | 5,043 |
| Core capital (leverage) ratio | 7.6597% | 6,575 |
| Tier 1 risk-based capital ratio | 9.2755% | 7,192 |
| Total risk-based capital ratio | 10.3202% | 7,236 |
| Memoranda: | ||
| Average total assets | $1,395,207,400 | 485 |
| Average earning assets | $1,217,006,000 | 499 |
| Average equity | $130,406,000 | 523 |
| Average total loans | $877,502,400 | 512 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9937% | 4,851 |
| Cost of funding earning assets | 0.8229% | 6,675 |
| Net interest margin | 4.1709% | 2,331 |
| Noninterest income to average assets | 1.5990% | 550 |
| Noninterest expense to average assets | 3.7626% | 1,446 |
| Loan and lease loss provision to assets | 0.3457% | 3,846 |
| Net operating income to assets | 0.8418% | 2,838 |
| Return on assets (ROA) | 1.1202% | 1,936 |
| Pretax return on assets | 1.5008% | 1,617 |
| Return on Equity (ROE) | 11.8825% | 1,540 |
| Retained earnings to average equity (ytd only) | 11.8825% | 475 |
| Net charge-offs to loans | 0.1638% | 5,009 |
| Credit loss provision to net charge-offs | 335.5705% | 946 |
| Earnings coverage of net charge-offs (x) | 14.3203% | 1,523 |
| Efficiency ratio | 71.3553% | 3,825 |
| Assets per employee ($millions) | 3.3720% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 5,293 |
| Loan loss allowance to noncurrent loans | 516.2555% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 5,879 |
| Noncurrent loans to loans | 0.2400% | 6,693 |
| Net loans and leases to total assets | 67.4036% | 3,351 |
| Net loans and leases to deposits | 80.6442% | 3,332 |
| Net loans and leases to core deposits | 88.5971% | 3,301 |
| Total domestic deposits to total assets | 83.5815% | 4,330 |
| Equity capital to assets | 9.6154% | 4,667 |
| Core capital (leverage) ratio | 7.4362% | 6,893 |
| Tier 1 risk-based capital ratio | 9.3739% | 7,283 |
| Total risk-based capital ratio | 10.4750% | 7,330 |
| Memoranda: | ||
| Average total assets | $1,349,866,250 | 495 |
| Average earning assets | $1,177,658,750 | 514 |
| Average equity | $127,254,000 | 526 |
| Average total loans | $848,896,500 | 522 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 4,960 |
| Cost of funding earning assets | 0.8525% | 6,748 |
| Net interest margin | 4.1442% | 2,353 |
| Noninterest income to average assets | 1.5694% | 522 |
| Noninterest expense to average assets | 3.7947% | 1,367 |
| Loan and lease loss provision to assets | 0.3364% | 3,717 |
| Net operating income to assets | 0.7641% | 3,127 |
| Return on assets (ROA) | 1.0795% | 1,998 |
| Pretax return on assets | 1.4966% | 1,563 |
| Return on Equity (ROE) | 11.5303% | 1,589 |
| Retained earnings to average equity (ytd only) | 11.5303% | 562 |
| Net charge-offs to loans | 0.1759% | 4,556 |
| Credit loss provision to net charge-offs | 313.3705% | 1,164 |
| Earnings coverage of net charge-offs (x) | 12.9958% | 1,624 |
| Efficiency ratio | 72.6343% | 3,718 |
| Assets per employee ($millions) | 3.2865% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 5,247 |
| Loan loss allowance to noncurrent loans | 550.9954% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 6,770 |
| Noncurrent loans to loans | 0.2248% | 6,796 |
| Net loans and leases to total assets | 63.4091% | 4,373 |
| Net loans and leases to deposits | 73.9756% | 4,680 |
| Net loans and leases to core deposits | 81.8031% | 4,443 |
| Total domestic deposits to total assets | 85.7163% | 3,255 |
| Equity capital to assets | 9.4819% | 4,730 |
| Core capital (leverage) ratio | 7.1810% | 7,080 |
| Tier 1 risk-based capital ratio | 9.5652% | 7,235 |
| Total risk-based capital ratio | 10.6487% | 7,305 |
| Memoranda: | ||
| Average total assets | $1,337,861,000 | 495 |
| Average earning assets | $1,168,730,330 | 517 |
| Average equity | $125,252,670 | 529 |
| Average total loans | $816,577,330 | 538 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 5,056 |
| Cost of funding earning assets | 0.8741% | 6,860 |
| Net interest margin | 4.1169% | 2,368 |
| Noninterest income to average assets | 1.6685% | 457 |
| Noninterest expense to average assets | 3.8511% | 1,241 |
| Loan and lease loss provision to assets | 0.4518% | 2,706 |
| Net operating income to assets | 0.7165% | 3,364 |
| Return on assets (ROA) | 0.8023% | 3,053 |
| Pretax return on assets | 1.0773% | 2,811 |
| Return on Equity (ROE) | 8.6263% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.6263% | 1,500 |
| Net charge-offs to loans | 0.2245% | 3,585 |
| Credit loss provision to net charge-offs | 338.6005% | 1,185 |
| Earnings coverage of net charge-offs (x) | 10.5914% | 1,731 |
| Efficiency ratio | 72.6415% | 3,819 |
| Assets per employee ($millions) | 3.2106% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 5,010 |
| Loan loss allowance to noncurrent loans | 394.3065% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 5,950 |
| Noncurrent loans to loans | 0.3261% | 6,646 |
| Net loans and leases to total assets | 59.3192% | 5,239 |
| Net loans and leases to deposits | 69.1677% | 5,449 |
| Net loans and leases to core deposits | 77.3920% | 5,100 |
| Total domestic deposits to total assets | 85.7614% | 3,280 |
| Equity capital to assets | 9.3713% | 4,722 |
| Core capital (leverage) ratio | 6.9730% | 7,270 |
| Tier 1 risk-based capital ratio | 9.7368% | 7,189 |
| Total risk-based capital ratio | 10.8466% | 7,249 |
| Memoranda: | ||
| Average total assets | $1,328,129,000 | 517 |
| Average earning assets | $1,160,002,000 | 533 |
| Average equity | $123,529,000 | 544 |
| Average total loans | $789,135,000 | 574 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3302% | 5,024 |
| Cost of funding earning assets | 1.0290% | 7,150 |
| Net interest margin | 4.3012% | 1,714 |
| Noninterest income to average assets | 1.5893% | 570 |
| Noninterest expense to average assets | 3.8937% | 1,517 |
| Loan and lease loss provision to assets | 0.5797% | 3,486 |
| Net operating income to assets | 0.7006% | 2,931 |
| Return on assets (ROA) | 0.9466% | 2,070 |
| Pretax return on assets | 1.1792% | 2,005 |
| Return on Equity (ROE) | 9.6432% | 1,797 |
| Retained earnings to average equity (ytd only) | 9.6432% | 409 |
| Net charge-offs to loans | 0.5011% | 3,773 |
| Credit loss provision to net charge-offs | 186.2464% | 2,179 |
| Earnings coverage of net charge-offs (x) | 4.6630% | 2,861 |
| Efficiency ratio | 72.3411% | 4,210 |
| Assets per employee ($millions) | 3.3863% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 5,406 |
| Loan loss allowance to noncurrent loans | 584.3533% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 5,981 |
| Noncurrent loans to loans | 0.2043% | 6,913 |
| Net loans and leases to total assets | 58.0333% | 5,658 |
| Net loans and leases to deposits | 67.8310% | 5,854 |
| Net loans and leases to core deposits | 82.8429% | 5,832 |
| Total domestic deposits to total assets | 85.5558% | 3,254 |
| Equity capital to assets | 9.2299% | 4,803 |
| Core capital (leverage) ratio | 6.9533% | 7,278 |
| Tier 1 risk-based capital ratio | 9.5207% | 7,212 |
| Total risk-based capital ratio | 10.5353% | 7,337 |
| Memoranda: | ||
| Average total assets | $1,121,184,000 | 593 |
| Average earning assets | $979,041,600 | 615 |
| Average equity | $110,057,000 | 595 |
| Average total loans | $696,418,000 | 670 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3804% | 5,039 |
| Cost of funding earning assets | 1.0557% | 7,274 |
| Net interest margin | 4.3247% | 1,664 |
| Noninterest income to average assets | 1.6409% | 544 |
| Noninterest expense to average assets | 3.8783% | 1,463 |
| Loan and lease loss provision to assets | 0.5289% | 3,268 |
| Net operating income to assets | 0.8062% | 2,785 |
| Return on assets (ROA) | 1.1330% | 1,701 |
| Pretax return on assets | 1.4277% | 1,628 |
| Return on Equity (ROE) | 11.3340% | 1,534 |
| Retained earnings to average equity (ytd only) | 11.3340% | 436 |
| Net charge-offs to loans | 0.7086% | 2,575 |
| Credit loss provision to net charge-offs | 118.1869% | 4,298 |
| Earnings coverage of net charge-offs (x) | 3.4477% | 3,526 |
| Efficiency ratio | 71.0376% | 4,416 |
| Assets per employee ($millions) | 3.2912% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 6,591 |
| Loan loss allowance to noncurrent loans | 704.6939% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 5,941 |
| Noncurrent loans to loans | 0.1334% | 7,147 |
| Net loans and leases to total assets | 63.1619% | 5,044 |
| Net loans and leases to deposits | 74.8505% | 5,239 |
| Net loans and leases to core deposits | 91.4765% | 5,285 |
| Total domestic deposits to total assets | 84.3840% | 3,537 |
| Equity capital to assets | 9.8906% | 4,224 |
| Core capital (leverage) ratio | 7.3819% | 7,098 |
| Tier 1 risk-based capital ratio | 9.5233% | 7,358 |
| Total risk-based capital ratio | 10.3457% | 7,592 |
| Memoranda: | ||
| Average total assets | $1,071,313,500 | 637 |
| Average earning assets | $936,463,750 | 661 |
| Average equity | $107,097,250 | 618 |
| Average total loans | $676,600,500 | 706 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 5,103 |
| Cost of funding earning assets | 1.1224% | 7,319 |
| Net interest margin | 4.2869% | 1,683 |
| Noninterest income to average assets | 1.6380% | 550 |
| Noninterest expense to average assets | 3.8752% | 1,528 |
| Loan and lease loss provision to assets | 0.2872% | 4,279 |
| Net operating income to assets | 0.8676% | 2,581 |
| Return on assets (ROA) | 1.2206% | 1,501 |
| Pretax return on assets | 1.7175% | 982 |
| Return on Equity (ROE) | 12.1619% | 1,367 |
| Retained earnings to average equity (ytd only) | 12.1619% | 416 |
| Net charge-offs to loans | 0.2945% | 3,715 |
| Credit loss provision to net charge-offs | 154.9587% | 2,968 |
| Earnings coverage of net charge-offs (x) | 8.1333% | 2,311 |
| Efficiency ratio | 71.4763% | 4,513 |
| Assets per employee ($millions) | 3.1474% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 6,464 |
| Loan loss allowance to noncurrent loans | 155.5250% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 6,238 |
| Noncurrent loans to loans | 0.6216% | 6,011 |
| Net loans and leases to total assets | 64.1871% | 4,941 |
| Net loans and leases to deposits | 73.9216% | 5,465 |
| Net loans and leases to core deposits | 92.1958% | 5,328 |
| Total domestic deposits to total assets | 86.8313% | 2,341 |
| Equity capital to assets | 9.9010% | 4,083 |
| Core capital (leverage) ratio | 7.4508% | 7,080 |
| Tier 1 risk-based capital ratio | 9.8692% | 7,070 |
| Total risk-based capital ratio | 10.7361% | 7,357 |
| Memoranda: | ||
| Average total assets | $1,044,444,670 | 666 |
| Average earning assets | $912,370,670 | 690 |
| Average equity | $104,819,000 | 637 |
| Average total loans | $657,307,330 | 750 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4499% | 5,177 |
| Cost of funding earning assets | 1.2395% | 7,206 |
| Net interest margin | 4.2104% | 1,858 |
| Noninterest income to average assets | 1.8371% | 409 |
| Noninterest expense to average assets | 3.8685% | 1,350 |
| Loan and lease loss provision to assets | 0.2926% | 3,612 |
| Net operating income to assets | 0.9461% | 2,527 |
| Return on assets (ROA) | 1.4294% | 1,164 |
| Pretax return on assets | 2.0263% | 638 |
| Return on Equity (ROE) | 14.1428% | 1,138 |
| Retained earnings to average equity (ytd only) | 14.1428% | 506 |
| Net charge-offs to loans | 0.1480% | 3,781 |
| Credit loss provision to net charge-offs | 319.1489% | 1,542 |
| Earnings coverage of net charge-offs (x) | 17.8681% | 1,487 |
| Efficiency ratio | 69.7343% | 4,635 |
| Assets per employee ($millions) | 3.2471% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 5,871 |
| Loan loss allowance to noncurrent loans | 1,048.9922% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 7,295 |
| Noncurrent loans to loans | 0.0990% | 7,245 |
| Net loans and leases to total assets | 60.3342% | 5,600 |
| Net loans and leases to deposits | 69.4065% | 6,037 |
| Net loans and leases to core deposits | 88.1929% | 5,719 |
| Total domestic deposits to total assets | 86.9287% | 2,254 |
| Equity capital to assets | 9.8520% | 4,179 |
| Core capital (leverage) ratio | 7.4758% | 7,184 |
| Tier 1 risk-based capital ratio | 9.7866% | 7,154 |
| Total risk-based capital ratio | 10.6761% | 7,442 |
| Memoranda: | ||
| Average total assets | $1,025,309,500 | 675 |
| Average earning assets | $893,594,500 | 705 |
| Average equity | $103,628,500 | 645 |
| Average total loans | $635,087,500 | 780 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3668% | 3,596 |
| Cost of funding earning assets | 1.9085% | 6,706 |
| Net interest margin | 4.4583% | 1,520 |
| Noninterest income to average assets | 1.6021% | 540 |
| Noninterest expense to average assets | 3.9666% | 1,466 |
| Loan and lease loss provision to assets | 0.4441% | 3,070 |
| Net operating income to assets | 0.7807% | 3,521 |
| Return on assets (ROA) | 0.9324% | 2,718 |
| Pretax return on assets | 1.2546% | 2,463 |
| Return on Equity (ROE) | 8.8859% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.8859% | 627 |
| Net charge-offs to loans | 0.1683% | 4,512 |
| Credit loss provision to net charge-offs | 419.0920% | 1,039 |
| Earnings coverage of net charge-offs (x) | 14.0966% | 2,075 |
| Efficiency ratio | 71.9027% | 3,957 |
| Assets per employee ($millions) | 3.0412% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 5,934 |
| Loan loss allowance to noncurrent loans | 958.8957% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 7,149 |
| Noncurrent loans to loans | 0.1054% | 7,098 |
| Net loans and leases to total assets | 62.3633% | 5,564 |
| Net loans and leases to deposits | 79.1443% | 5,177 |
| Net loans and leases to core deposits | 96.7897% | 5,172 |
| Total domestic deposits to total assets | 78.7970% | 5,449 |
| Equity capital to assets | 10.3844% | 3,633 |
| Core capital (leverage) ratio | 8.0061% | 6,478 |
| Tier 1 risk-based capital ratio | 10.0522% | 6,682 |
| Total risk-based capital ratio | 10.9429% | 7,001 |
| Memoranda: | ||
| Average total assets | $810,637,000 | 837 |
| Average earning assets | $701,545,200 | 868 |
| Average equity | $85,056,200 | 782 |
| Average total loans | $510,294,600 | 938 |