Home > Hawthorn Bank > Performance and Condition Ratios
Hawthorn Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1145% | 1,827 |
| Cost of funding earning assets | 1.6196% | 1,640 |
| Net interest margin | 3.4948% | 2,193 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.7035% | 1,730 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.7725% | 2,973 |
| Return on assets (ROA) | 0.2421% | 4,120 |
| Pretax return on assets | 0.2791% | 4,109 |
| Return on Equity (ROE) | 2.7200% | 4,067 |
| Retained earnings to average equity (ytd only) | -2.6414% | 4,307 |
| Net charge-offs to loans | 0.0195% | 1,963 |
| Credit loss provision to net charge-offs | 882.4503% | 453 |
| Earnings coverage of net charge-offs (x) | 63.2649% | 1,158 |
| Efficiency ratio | 72.7470% | 1,583 |
| Assets per employee ($millions) | 6.6466% | 2,305 |
| Cash dividends to net income (ytd only)* | 197.0659% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 964 |
| Loan loss allowance to noncurrent loans | 370.2479% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 1,413 |
| Noncurrent loans to loans | 0.4156% | 1,742 |
| Net loans and leases to total assets | 81.3500% | 492 |
| Net loans and leases to deposits | 96.2922% | 760 |
| Net loans and leases to core deposits | 103.3894% | 1,250 |
| Total domestic deposits to total assets | 84.4800% | 2,474 |
| Equity capital to assets | 9.3213% | 2,477 |
| Core capital (leverage) ratio | 10.3082% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9080% | 1,896 |
| Memoranda: | ||
| Average total assets | $1,886,413,200 | 603 |
| Average earning assets | $1,793,791,800 | 575 |
| Average equity | $167,826,800 | 618 |
| Average total loans | $1,546,802,400 | 505 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 1,965 |
| Cost of funding earning assets | 1.5353% | 1,519 |
| Net interest margin | 3.4073% | 2,436 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.6034% | 1,934 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7546% | 3,151 |
| Return on assets (ROA) | 0.7557% | 3,143 |
| Pretax return on assets | 0.9391% | 3,009 |
| Return on Equity (ROE) | 8.6000% | 3,031 |
| Retained earnings to average equity (ytd only) | 1.3777% | 3,868 |
| Net charge-offs to loans | 0.0029% | 2,425 |
| Credit loss provision to net charge-offs | 3,279.4118% | 145 |
| Earnings coverage of net charge-offs (x) | 414.4706% | 356 |
| Efficiency ratio | 72.3784% | 1,525 |
| Assets per employee ($millions) | 5.9972% | 2,762 |
| Cash dividends to net income (ytd only)* | 83.9709% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,287 |
| Loan loss allowance to noncurrent loans | 583.8835% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 1,703 |
| Noncurrent loans to loans | 0.2466% | 2,359 |
| Net loans and leases to total assets | 82.1700% | 422 |
| Net loans and leases to deposits | 96.9286% | 692 |
| Net loans and leases to core deposits | 107.6318% | 951 |
| Total domestic deposits to total assets | 84.7700% | 2,573 |
| Equity capital to assets | 8.3981% | 2,792 |
| Core capital (leverage) ratio | 10.6321% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9247% | 1,925 |
| Memoranda: | ||
| Average total assets | $1,891,095,000 | 605 |
| Average earning assets | $1,796,061,500 | 577 |
| Average equity | $166,260,250 | 620 |
| Average total loans | $1,547,745,250 | 507 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 2,122 |
| Cost of funding earning assets | 1.4347% | 1,369 |
| Net interest margin | 3.3092% | 2,725 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.6100% | 1,903 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7311% | 3,269 |
| Return on assets (ROA) | 0.7323% | 3,273 |
| Pretax return on assets | 0.9121% | 3,136 |
| Return on Equity (ROE) | 8.2100% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.6651% | 3,037 |
| Net charge-offs to loans | -0.0052% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.6574% | 1,493 |
| Assets per employee ($millions) | 5.9704% | 2,732 |
| Cash dividends to net income (ytd only)* | 43.1717% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,453 |
| Loan loss allowance to noncurrent loans | 578.0088% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 1,184 |
| Noncurrent loans to loans | 0.2458% | 2,274 |
| Net loans and leases to total assets | 81.5300% | 469 |
| Net loans and leases to deposits | 99.8353% | 519 |
| Net loans and leases to core deposits | 109.9422% | 829 |
| Total domestic deposits to total assets | 81.6700% | 3,299 |
| Equity capital to assets | 8.9149% | 2,577 |
| Core capital (leverage) ratio | 10.7651% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9463% | 1,920 |
| Memoranda: | ||
| Average total assets | $1,897,748,000 | 589 |
| Average earning assets | $1,802,266,000 | 566 |
| Average equity | $169,300,333 | 611 |
| Average total loans | $1,543,668,667 | 497 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 2,034 |
| Cost of funding earning assets | 1.3532% | 1,125 |
| Net interest margin | 3.2677% | 2,955 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.5771% | 2,018 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.8080% | 3,172 |
| Return on assets (ROA) | 0.8093% | 3,117 |
| Pretax return on assets | 1.0072% | 2,969 |
| Return on Equity (ROE) | 9.0700% | 3,028 |
| Retained earnings to average equity (ytd only) | 5.5311% | 2,878 |
| Net charge-offs to loans | 0.0136% | 1,447 |
| Credit loss provision to net charge-offs | 1,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 104.9423% | 767 |
| Efficiency ratio | 69.1695% | 1,838 |
| Assets per employee ($millions) | 5.9911% | 2,769 |
| Cash dividends to net income (ytd only)* | 39.0117% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,525 |
| Loan loss allowance to noncurrent loans | 112.1435% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.3865% | 250 |
| Noncurrent loans to loans | 1.2695% | 538 |
| Net loans and leases to total assets | 80.6400% | 483 |
| Net loans and leases to deposits | 94.4766% | 761 |
| Net loans and leases to core deposits | 109.0579% | 733 |
| Total domestic deposits to total assets | 85.3500% | 2,759 |
| Equity capital to assets | 9.0204% | 2,504 |
| Core capital (leverage) ratio | 10.6007% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7551% | 2,063 |
| Memoranda: | ||
| Average total assets | $1,900,309,500 | 600 |
| Average earning assets | $1,807,022,500 | 578 |
| Average equity | $169,588,000 | 615 |
| Average total loans | $1,532,835,000 | 512 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 1,706 |
| Cost of funding earning assets | 0.4876% | 1,485 |
| Net interest margin | 3.5172% | 1,874 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.5764% | 1,888 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 1.2511% | 1,600 |
| Return on assets (ROA) | 1.2505% | 1,547 |
| Pretax return on assets | 1.5361% | 1,339 |
| Return on Equity (ROE) | 13.1300% | 1,763 |
| Retained earnings to average equity (ytd only) | 7.0657% | 2,215 |
| Net charge-offs to loans | 0.0293% | 1,477 |
| Credit loss provision to net charge-offs | -216.8675% | 4,605 |
| Earnings coverage of net charge-offs (x) | 65.1566% | 1,198 |
| Efficiency ratio | 63.3996% | 2,578 |
| Assets per employee ($millions) | 6.2941% | 2,516 |
| Cash dividends to net income (ytd only)* | 46.1884% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,236 |
| Loan loss allowance to noncurrent loans | 83.3538% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.3492% | 262 |
| Noncurrent loans to loans | 1.2288% | 565 |
| Net loans and leases to total assets | 78.7200% | 730 |
| Net loans and leases to deposits | 92.1504% | 906 |
| Net loans and leases to core deposits | 100.4459% | 978 |
| Total domestic deposits to total assets | 85.4300% | 2,880 |
| Equity capital to assets | 8.8294% | 2,467 |
| Core capital (leverage) ratio | 10.8522% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7813% | 2,061 |
| Memoranda: | ||
| Average total assets | $1,817,974,200 | 603 |
| Average earning assets | $1,726,809,800 | 584 |
| Average equity | $173,131,000 | 598 |
| Average total loans | $1,416,702,200 | 506 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 1,563 |
| Cost of funding earning assets | 0.3429% | 1,764 |
| Net interest margin | 3.5237% | 1,597 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.5813% | 1,762 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 1.2855% | 1,405 |
| Return on assets (ROA) | 1.2848% | 1,373 |
| Pretax return on assets | 1.5993% | 1,121 |
| Return on Equity (ROE) | 13.2300% | 1,634 |
| Retained earnings to average equity (ytd only) | 6.3451% | 2,621 |
| Net charge-offs to loans | 0.0382% | 1,115 |
| Credit loss provision to net charge-offs | -251.2563% | 4,671 |
| Earnings coverage of net charge-offs (x) | 51.5879% | 1,267 |
| Efficiency ratio | 62.8488% | 2,710 |
| Assets per employee ($millions) | 6.1558% | 2,618 |
| Cash dividends to net income (ytd only)* | 52.0562% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,307 |
| Loan loss allowance to noncurrent loans | 89.3763% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.3487% | 274 |
| Noncurrent loans to loans | 1.1620% | 634 |
| Net loans and leases to total assets | 80.2700% | 509 |
| Net loans and leases to deposits | 92.5740% | 732 |
| Net loans and leases to core deposits | 101.9622% | 744 |
| Total domestic deposits to total assets | 86.7100% | 2,852 |
| Equity capital to assets | 8.6145% | 2,471 |
| Core capital (leverage) ratio | 10.9678% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7344% | 2,160 |
| Memoranda: | ||
| Average total assets | $1,794,114,500 | 616 |
| Average earning assets | $1,703,685,750 | 590 |
| Average equity | $174,178,250 | 600 |
| Average total loans | $1,390,417,000 | 506 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 1,453 |
| Cost of funding earning assets | 0.2519% | 2,237 |
| Net interest margin | 3.4841% | 1,356 |
| Noninterest income to average assets | 0.7849% | 1,087 |
| Noninterest expense to average assets | 2.5812% | 1,694 |
| Loan and lease loss provision to assets | -0.1462% | 4,645 |
| Net operating income to assets | 1.3337% | 1,066 |
| Return on assets (ROA) | 1.3325% | 1,043 |
| Pretax return on assets | 1.6562% | 833 |
| Return on Equity (ROE) | 13.2118% | 1,319 |
| Retained earnings to average equity (ytd only) | 4.8499% | 2,767 |
| Net charge-offs to loans | 0.0369% | 1,014 |
| Credit loss provision to net charge-offs | -520.0000% | 3,389 |
| Earnings coverage of net charge-offs (x) | 53.7680% | 1,130 |
| Efficiency ratio | 63.0684% | 2,908 |
| Assets per employee ($millions) | 5.9434% | 2,793 |
| Cash dividends to net income (ytd only)* | 63.2911% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,265 |
| Loan loss allowance to noncurrent loans | 86.1705% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4185% | 258 |
| Noncurrent loans to loans | 1.2463% | 631 |
| Net loans and leases to total assets | 79.3141% | 452 |
| Net loans and leases to deposits | 92.1798% | 601 |
| Net loans and leases to core deposits | 100.9945% | 629 |
| Total domestic deposits to total assets | 86.0429% | 3,235 |
| Equity capital to assets | 9.3664% | 2,115 |
| Core capital (leverage) ratio | 11.1970% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8455% | 2,127 |
| Memoranda: | ||
| Average total assets | $1,778,629,333 | 611 |
| Average earning assets | $1,688,636,333 | 595 |
| Average equity | $179,385,667 | 589 |
| Average total loans | $1,356,252,667 | 511 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 1,375 |
| Cost of funding earning assets | 0.2291% | 2,411 |
| Net interest margin | 3.4252% | 1,246 |
| Noninterest income to average assets | 0.7971% | 1,053 |
| Noninterest expense to average assets | 2.6507% | 1,476 |
| Loan and lease loss provision to assets | -0.5629% | 4,766 |
| Net operating income to assets | 1.5776% | 540 |
| Return on assets (ROA) | 1.5769% | 535 |
| Pretax return on assets | 1.9635% | 390 |
| Return on Equity (ROE) | 15.0947% | 634 |
| Retained earnings to average equity (ytd only) | 7.5506% | 1,715 |
| Net charge-offs to loans | 0.0376% | 910 |
| Credit loss provision to net charge-offs | -2,016.1290% | 3,397 |
| Earnings coverage of net charge-offs (x) | 50.1935% | 925 |
| Efficiency ratio | 65.4145% | 2,847 |
| Assets per employee ($millions) | 5.6499% | 3,178 |
| Cash dividends to net income (ytd only)* | 49.9786% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 3,459 |
| Loan loss allowance to noncurrent loans | 83.5078% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.4563% | 251 |
| Noncurrent loans to loans | 1.2810% | 683 |
| Net loans and leases to total assets | 76.3819% | 483 |
| Net loans and leases to deposits | 90.4332% | 487 |
| Net loans and leases to core deposits | 97.4325% | 598 |
| Total domestic deposits to total assets | 84.4622% | 3,663 |
| Equity capital to assets | 10.2695% | 1,708 |
| Core capital (leverage) ratio | 11.1150% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5226% | 1,980 |
| Memoranda: | ||
| Average total assets | $1,776,431,500 | 609 |
| Average earning assets | $1,688,180,500 | 592 |
| Average equity | $185,575,500 | 588 |
| Average total loans | $1,319,607,000 | 514 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 1,634 |
| Cost of funding earning assets | 0.2830% | 2,570 |
| Net interest margin | 3.6090% | 1,440 |
| Noninterest income to average assets | 1.0086% | 991 |
| Noninterest expense to average assets | 2.7116% | 1,608 |
| Loan and lease loss provision to assets | -0.0977% | 4,523 |
| Net operating income to assets | 1.4409% | 1,157 |
| Return on assets (ROA) | 1.4476% | 1,214 |
| Pretax return on assets | 1.8335% | 847 |
| Return on Equity (ROE) | 13.6567% | 1,278 |
| Retained earnings to average equity (ytd only) | 9.5922% | 1,021 |
| Net charge-offs to loans | -0.0379% | 4,208 |
| Credit loss provision to net charge-offs | 346.9388% | 996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0868% | 2,986 |
| Assets per employee ($millions) | 6.1207% | 2,643 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,376 |
| Loan loss allowance to noncurrent loans | 66.3565% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.8815% | 179 |
| Noncurrent loans to loans | 1.9529% | 405 |
| Net loans and leases to total assets | 70.5862% | 974 |
| Net loans and leases to deposits | 84.7777% | 863 |
| Net loans and leases to core deposits | 90.0728% | 969 |
| Total domestic deposits to total assets | 83.2604% | 3,756 |
| Equity capital to assets | 10.6144% | 2,078 |
| Core capital (leverage) ratio | 11.0399% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7755% | 1,937 |
| Memoranda: | ||
| Average total assets | $1,740,789,000 | 602 |
| Average earning assets | $1,654,582,600 | 580 |
| Average equity | $184,524,800 | 591 |
| Average total loans | $1,292,543,600 | 521 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 1,701 |
| Cost of funding earning assets | 0.3032% | 2,564 |
| Net interest margin | 3.6184% | 1,554 |
| Noninterest income to average assets | 1.0027% | 1,065 |
| Noninterest expense to average assets | 2.6444% | 1,718 |
| Loan and lease loss provision to assets | 0.0542% | 1,896 |
| Net operating income to assets | 1.3854% | 1,586 |
| Return on assets (ROA) | 1.3941% | 1,627 |
| Pretax return on assets | 1.7504% | 1,279 |
| Return on Equity (ROE) | 13.1563% | 1,652 |
| Retained earnings to average equity (ytd only) | 8.4012% | 1,911 |
| Net charge-offs to loans | -0.0120% | 3,750 |
| Credit loss provision to net charge-offs | -603.4483% | 3,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5829% | 3,049 |
| Assets per employee ($millions) | 5.7289% | 2,960 |
| Cash dividends to net income (ytd only)* | 36.1432% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 1,745 |
| Loan loss allowance to noncurrent loans | 57.6489% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 2.4218% | 128 |
| Noncurrent loans to loans | 2.5505% | 288 |
| Net loans and leases to total assets | 73.3162% | 745 |
| Net loans and leases to deposits | 89.7509% | 621 |
| Net loans and leases to core deposits | 96.3875% | 731 |
| Total domestic deposits to total assets | 81.6885% | 3,980 |
| Equity capital to assets | 10.8122% | 2,156 |
| Core capital (leverage) ratio | 10.8608% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9212% | 1,996 |
| Memoranda: | ||
| Average total assets | $1,719,991,000 | 611 |
| Average earning assets | $1,633,024,500 | 592 |
| Average equity | $182,255,000 | 603 |
| Average total loans | $1,289,584,000 | 533 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 1,983 |
| Cost of funding earning assets | 0.3183% | 2,606 |
| Net interest margin | 3.5163% | 1,814 |
| Noninterest income to average assets | 1.0704% | 959 |
| Noninterest expense to average assets | 2.6551% | 1,707 |
| Loan and lease loss provision to assets | 0.0466% | 2,088 |
| Net operating income to assets | 1.3602% | 1,677 |
| Return on assets (ROA) | 1.3616% | 1,752 |
| Pretax return on assets | 1.7080% | 1,461 |
| Return on Equity (ROE) | 12.9387% | 1,737 |
| Retained earnings to average equity (ytd only) | 7.9568% | 2,090 |
| Net charge-offs to loans | -0.0344% | 4,213 |
| Credit loss provision to net charge-offs | -180.1802% | 3,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2342% | 2,986 |
| Assets per employee ($millions) | 5.5583% | 3,057 |
| Cash dividends to net income (ytd only)* | 38.5043% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 1,790 |
| Loan loss allowance to noncurrent loans | 55.4487% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 2.5386% | 133 |
| Noncurrent loans to loans | 2.6063% | 307 |
| Net loans and leases to total assets | 75.1187% | 665 |
| Net loans and leases to deposits | 92.3933% | 524 |
| Net loans and leases to core deposits | 99.3452% | 681 |
| Total domestic deposits to total assets | 81.3031% | 4,044 |
| Equity capital to assets | 10.8819% | 2,085 |
| Core capital (leverage) ratio | 10.6332% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6047% | 2,122 |
| Memoranda: | ||
| Average total assets | $1,716,610,667 | 609 |
| Average earning assets | $1,629,380,667 | 585 |
| Average equity | $180,651,333 | 599 |
| Average total loans | $1,290,313,333 | 540 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 1,748 |
| Cost of funding earning assets | 0.3427% | 2,589 |
| Net interest margin | 3.5893% | 1,615 |
| Noninterest income to average assets | 1.0461% | 1,063 |
| Noninterest expense to average assets | 2.6405% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4529% | 1,435 |
| Return on assets (ROA) | 1.4555% | 1,499 |
| Pretax return on assets | 1.8148% | 1,264 |
| Return on Equity (ROE) | 14.0667% | 1,417 |
| Retained earnings to average equity (ytd only) | 3.9790% | 3,509 |
| Net charge-offs to loans | -0.0771% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3102% | 3,113 |
| Assets per employee ($millions) | 5.6711% | 2,947 |
| Cash dividends to net income (ytd only)* | 71.7131% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,836 |
| Loan loss allowance to noncurrent loans | 53.6354% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.5420% | 154 |
| Noncurrent loans to loans | 2.6693% | 329 |
| Net loans and leases to total assets | 73.3254% | 871 |
| Net loans and leases to deposits | 90.4921% | 677 |
| Net loans and leases to core deposits | 97.8160% | 812 |
| Total domestic deposits to total assets | 81.0296% | 4,058 |
| Equity capital to assets | 10.3207% | 2,421 |
| Core capital (leverage) ratio | 10.3731% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6229% | 2,035 |
| Memoranda: | ||
| Average total assets | $1,724,497,500 | 601 |
| Average earning assets | $1,636,399,500 | 583 |
| Average equity | $178,435,000 | 601 |
| Average total loans | $1,287,279,500 | 544 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 2,355 |
| Cost of funding earning assets | 0.5373% | 2,703 |
| Net interest margin | 3.5863% | 2,186 |
| Noninterest income to average assets | 0.9479% | 1,156 |
| Noninterest expense to average assets | 2.7053% | 2,225 |
| Loan and lease loss provision to assets | 0.3596% | 942 |
| Net operating income to assets | 1.0239% | 2,203 |
| Return on assets (ROA) | 1.0269% | 2,330 |
| Pretax return on assets | 1.2783% | 2,053 |
| Return on Equity (ROE) | 9.7159% | 2,113 |
| Retained earnings to average equity (ytd only) | 7.3693% | 1,249 |
| Net charge-offs to loans | 0.0132% | 2,868 |
| Credit loss provision to net charge-offs | 3,536.5854% | 288 |
| Earnings coverage of net charge-offs (x) | 160.7012% | 545 |
| Efficiency ratio | 62.3419% | 3,067 |
| Assets per employee ($millions) | 5.7692% | 2,565 |
| Cash dividends to net income (ytd only)* | 24.1517% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,965 |
| Loan loss allowance to noncurrent loans | 52.3860% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.5692% | 168 |
| Noncurrent loans to loans | 2.6760% | 360 |
| Net loans and leases to total assets | 73.8527% | 1,044 |
| Net loans and leases to deposits | 91.9404% | 781 |
| Net loans and leases to core deposits | 101.5766% | 834 |
| Total domestic deposits to total assets | 80.3267% | 3,993 |
| Equity capital to assets | 10.3734% | 2,780 |
| Core capital (leverage) ratio | 10.4094% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8743% | 1,896 |
| Memoranda: | ||
| Average total assets | $1,612,784,200 | 581 |
| Average earning assets | $1,525,185,000 | 565 |
| Average equity | $170,463,200 | 597 |
| Average total loans | $1,244,561,200 | 527 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 2,332 |
| Cost of funding earning assets | 0.5853% | 2,705 |
| Net interest margin | 3.6370% | 2,132 |
| Noninterest income to average assets | 0.8842% | 1,271 |
| Noninterest expense to average assets | 2.7216% | 2,197 |
| Loan and lease loss provision to assets | 0.4543% | 707 |
| Net operating income to assets | 0.9151% | 2,642 |
| Return on assets (ROA) | 0.9163% | 2,766 |
| Pretax return on assets | 1.1457% | 2,577 |
| Return on Equity (ROE) | 8.6258% | 2,556 |
| Retained earnings to average equity (ytd only) | 6.6458% | 1,833 |
| Net charge-offs to loans | 0.0122% | 2,674 |
| Credit loss provision to net charge-offs | 4,778.7611% | 238 |
| Earnings coverage of net charge-offs (x) | 168.1416% | 553 |
| Efficiency ratio | 62.9976% | 2,916 |
| Assets per employee ($millions) | 5.5195% | 2,691 |
| Cash dividends to net income (ytd only)* | 22.9547% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 1,823 |
| Loan loss allowance to noncurrent loans | 305.4858% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 1,172 |
| Noncurrent loans to loans | 0.4518% | 2,698 |
| Net loans and leases to total assets | 76.4002% | 1,046 |
| Net loans and leases to deposits | 95.5593% | 789 |
| Net loans and leases to core deposits | 106.8352% | 812 |
| Total domestic deposits to total assets | 79.9505% | 3,877 |
| Equity capital to assets | 10.5139% | 2,780 |
| Core capital (leverage) ratio | 10.3404% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9748% | 1,842 |
| Memoranda: | ||
| Average total assets | $1,584,732,250 | 575 |
| Average earning assets | $1,497,127,500 | 560 |
| Average equity | $168,343,750 | 600 |
| Average total loans | $1,232,685,000 | 523 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,528 |
| Cost of funding earning assets | 0.6500% | 2,696 |
| Net interest margin | 3.6280% | 2,389 |
| Noninterest income to average assets | 0.6800% | 1,810 |
| Noninterest expense to average assets | 2.6954% | 2,398 |
| Loan and lease loss provision to assets | 0.5387% | 627 |
| Net operating income to assets | 0.6944% | 3,405 |
| Return on assets (ROA) | 0.6950% | 3,508 |
| Pretax return on assets | 0.8705% | 3,398 |
| Return on Equity (ROE) | 6.5185% | 3,326 |
| Retained earnings to average equity (ytd only) | 3.5107% | 3,175 |
| Net charge-offs to loans | 0.0091% | 2,622 |
| Credit loss provision to net charge-offs | 7,636.3636% | 151 |
| Earnings coverage of net charge-offs (x) | 199.6364% | 453 |
| Efficiency ratio | 65.6800% | 2,568 |
| Assets per employee ($millions) | 5.4936% | 2,644 |
| Cash dividends to net income (ytd only)* | 46.1425% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,058 |
| Loan loss allowance to noncurrent loans | 186.6173% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 1,009 |
| Noncurrent loans to loans | 0.6906% | 2,147 |
| Net loans and leases to total assets | 75.9777% | 1,143 |
| Net loans and leases to deposits | 95.7382% | 820 |
| Net loans and leases to core deposits | 108.1747% | 808 |
| Total domestic deposits to total assets | 79.3598% | 3,960 |
| Equity capital to assets | 10.0866% | 3,121 |
| Core capital (leverage) ratio | 10.1792% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4490% | 2,018 |
| Memoranda: | ||
| Average total assets | $1,559,187,333 | 573 |
| Average earning assets | $1,471,434,333 | 562 |
| Average equity | $166,233,667 | 602 |
| Average total loans | $1,214,563,000 | 527 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 2,408 |
| Cost of funding earning assets | 0.7872% | 2,463 |
| Net interest margin | 3.6786% | 2,399 |
| Noninterest income to average assets | 0.6302% | 1,902 |
| Noninterest expense to average assets | 2.6841% | 2,749 |
| Loan and lease loss provision to assets | 0.8794% | 265 |
| Net operating income to assets | 0.4191% | 4,092 |
| Return on assets (ROA) | 0.4189% | 4,132 |
| Pretax return on assets | 0.5298% | 4,073 |
| Return on Equity (ROE) | 3.8144% | 3,998 |
| Retained earnings to average equity (ytd only) | 3.8144% | 2,748 |
| Net charge-offs to loans | 0.0285% | 1,808 |
| Credit loss provision to net charge-offs | 3,928.5714% | 205 |
| Earnings coverage of net charge-offs (x) | 62.9643% | 784 |
| Efficiency ratio | 65.5686% | 3,019 |
| Assets per employee ($millions) | 5.0110% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 2,030 |
| Loan loss allowance to noncurrent loans | 194.6781% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 1,030 |
| Noncurrent loans to loans | 0.6804% | 2,294 |
| Net loans and leases to total assets | 77.0002% | 1,132 |
| Net loans and leases to deposits | 99.0274% | 623 |
| Net loans and leases to core deposits | 113.6528% | 680 |
| Total domestic deposits to total assets | 77.7564% | 4,258 |
| Equity capital to assets | 10.9830% | 2,869 |
| Core capital (leverage) ratio | 10.9806% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7281% | 1,993 |
| Memoranda: | ||
| Average total assets | $1,501,012,500 | 570 |
| Average earning assets | $1,413,152,000 | 556 |
| Average equity | $164,848,000 | 601 |
| Average total loans | $1,177,016,500 | 520 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 2,627 |
| Cost of funding earning assets | 0.9257% | 2,081 |
| Net interest margin | 3.6709% | 2,902 |
| Noninterest income to average assets | 0.7731% | 1,535 |
| Noninterest expense to average assets | 2.5417% | 3,345 |
| Loan and lease loss provision to assets | 0.0778% | 2,443 |
| Net operating income to assets | 1.2749% | 1,790 |
| Return on assets (ROA) | 1.2728% | 1,872 |
| Pretax return on assets | 1.5987% | 1,488 |
| Return on Equity (ROE) | 12.0316% | 1,500 |
| Retained earnings to average equity (ytd only) | 6.9172% | 1,423 |
| Net charge-offs to loans | 0.0281% | 2,832 |
| Credit loss provision to net charge-offs | 353.8462% | 786 |
| Earnings coverage of net charge-offs (x) | 76.4000% | 827 |
| Efficiency ratio | 60.2173% | 3,660 |
| Assets per employee ($millions) | 5.3370% | 2,208 |
| Cash dividends to net income (ytd only)* | 42.5080% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,124 |
| Loan loss allowance to noncurrent loans | 246.0947% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 1,207 |
| Noncurrent loans to loans | 0.4336% | 2,893 |
| Net loans and leases to total assets | 77.9638% | 1,088 |
| Net loans and leases to deposits | 97.2590% | 819 |
| Net loans and leases to core deposits | 110.6926% | 816 |
| Total domestic deposits to total assets | 80.1611% | 3,945 |
| Equity capital to assets | 10.9819% | 3,011 |
| Core capital (leverage) ratio | 11.1751% | 2,360 |
| Tier 1 risk-based capital ratio | 13.3785% | 3,592 |
| Total risk-based capital ratio | 14.4169% | 3,588 |
| Memoranda: | ||
| Average total assets | $1,478,675,400 | 560 |
| Average earning assets | $1,388,846,600 | 546 |
| Average equity | $156,422,000 | 601 |
| Average total loans | $1,155,793,000 | 508 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 2,708 |
| Cost of funding earning assets | 0.9661% | 1,904 |
| Net interest margin | 3.6385% | 3,139 |
| Noninterest income to average assets | 0.8149% | 1,377 |
| Noninterest expense to average assets | 2.5518% | 3,292 |
| Loan and lease loss provision to assets | 0.0767% | 2,360 |
| Net operating income to assets | 1.2743% | 1,937 |
| Return on assets (ROA) | 1.2715% | 2,025 |
| Pretax return on assets | 1.6004% | 1,636 |
| Return on Equity (ROE) | 12.1355% | 1,565 |
| Retained earnings to average equity (ytd only) | 7.3981% | 1,671 |
| Net charge-offs to loans | 0.0375% | 2,339 |
| Credit loss provision to net charge-offs | 262.3457% | 1,049 |
| Earnings coverage of net charge-offs (x) | 57.4814% | 1,088 |
| Efficiency ratio | 60.2900% | 3,584 |
| Assets per employee ($millions) | 5.2039% | 2,336 |
| Cash dividends to net income (ytd only)* | 39.0376% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,239 |
| Loan loss allowance to noncurrent loans | 255.7866% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 1,271 |
| Noncurrent loans to loans | 0.4135% | 3,068 |
| Net loans and leases to total assets | 79.0389% | 986 |
| Net loans and leases to deposits | 100.0168% | 635 |
| Net loans and leases to core deposits | 112.5891% | 813 |
| Total domestic deposits to total assets | 79.0257% | 4,184 |
| Equity capital to assets | 11.1460% | 2,973 |
| Core capital (leverage) ratio | 11.2679% | 2,409 |
| Tier 1 risk-based capital ratio | 13.2554% | 3,712 |
| Total risk-based capital ratio | 14.2738% | 3,739 |
| Memoranda: | ||
| Average total assets | $1,477,419,750 | 560 |
| Average earning assets | $1,387,724,500 | 550 |
| Average equity | $154,793,000 | 605 |
| Average total loans | $1,152,435,000 | 512 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 2,751 |
| Cost of funding earning assets | 1.0112% | 1,642 |
| Net interest margin | 3.5638% | 3,387 |
| Noninterest income to average assets | 0.8570% | 1,187 |
| Noninterest expense to average assets | 2.5374% | 3,361 |
| Loan and lease loss provision to assets | 0.0537% | 2,749 |
| Net operating income to assets | 1.2887% | 1,822 |
| Return on assets (ROA) | 1.2888% | 1,880 |
| Pretax return on assets | 1.6166% | 1,497 |
| Return on Equity (ROE) | 12.5600% | 1,383 |
| Retained earnings to average equity (ytd only) | 5.3627% | 2,591 |
| Net charge-offs to loans | 0.0293% | 2,273 |
| Credit loss provision to net charge-offs | 236.6864% | 1,066 |
| Earnings coverage of net charge-offs (x) | 73.5976% | 863 |
| Efficiency ratio | 60.3051% | 3,680 |
| Assets per employee ($millions) | 5.2269% | 2,228 |
| Cash dividends to net income (ytd only)* | 57.3036% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 3,461 |
| Loan loss allowance to noncurrent loans | 203.4760% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 1,206 |
| Noncurrent loans to loans | 0.5048% | 2,764 |
| Net loans and leases to total assets | 78.2397% | 1,175 |
| Net loans and leases to deposits | 96.2944% | 1,005 |
| Net loans and leases to core deposits | 108.5498% | 1,061 |
| Total domestic deposits to total assets | 81.2505% | 3,736 |
| Equity capital to assets | 10.6500% | 3,388 |
| Core capital (leverage) ratio | 10.5738% | 3,010 |
| Tier 1 risk-based capital ratio | 12.4712% | 4,143 |
| Total risk-based capital ratio | 13.4334% | 4,193 |
| Memoranda: | ||
| Average total assets | $1,489,395,670 | 555 |
| Average earning assets | $1,400,290,000 | 543 |
| Average equity | $152,834,330 | 610 |
| Average total loans | $1,152,740,670 | 512 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 2,887 |
| Cost of funding earning assets | 1.0366% | 1,421 |
| Net interest margin | 3.4575% | 3,722 |
| Noninterest income to average assets | 1.1153% | 652 |
| Noninterest expense to average assets | 2.5150% | 3,458 |
| Loan and lease loss provision to assets | 0.0399% | 2,828 |
| Net operating income to assets | 1.4530% | 1,221 |
| Return on assets (ROA) | 1.4532% | 1,252 |
| Pretax return on assets | 1.8137% | 955 |
| Return on Equity (ROE) | 14.4278% | 871 |
| Retained earnings to average equity (ytd only) | 10.4627% | 929 |
| Net charge-offs to loans | -0.0149% | 4,377 |
| Credit loss provision to net charge-offs | -348.8372% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5730% | 4,140 |
| Assets per employee ($millions) | 5.3524% | 2,122 |
| Cash dividends to net income (ytd only)* | 27.4826% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,549 |
| Loan loss allowance to noncurrent loans | 212.4283% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0820% | 1,278 |
| Noncurrent loans to loans | 0.4829% | 2,861 |
| Net loans and leases to total assets | 74.6551% | 1,696 |
| Net loans and leases to deposits | 91.2676% | 1,484 |
| Net loans and leases to core deposits | 104.7482% | 1,262 |
| Total domestic deposits to total assets | 81.7981% | 3,779 |
| Equity capital to assets | 10.0603% | 3,766 |
| Core capital (leverage) ratio | 10.1613% | 3,426 |
| Tier 1 risk-based capital ratio | 12.3405% | 4,275 |
| Total risk-based capital ratio | 13.2904% | 4,331 |
| Memoranda: | ||
| Average total assets | $1,502,329,500 | 553 |
| Average earning assets | $1,413,487,000 | 538 |
| Average equity | $151,318,500 | 613 |
| Average total loans | $1,150,639,500 | 514 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 3,313 |
| Cost of funding earning assets | 0.7789% | 1,641 |
| Net interest margin | 3.4612% | 3,832 |
| Noninterest income to average assets | 0.6649% | 1,989 |
| Noninterest expense to average assets | 2.6638% | 3,142 |
| Loan and lease loss provision to assets | 0.1020% | 2,152 |
| Net operating income to assets | 0.9352% | 3,305 |
| Return on assets (ROA) | 0.9353% | 3,298 |
| Pretax return on assets | 1.1474% | 3,107 |
| Return on Equity (ROE) | 9.4601% | 2,763 |
| Retained earnings to average equity (ytd only) | 5.9613% | 2,216 |
| Net charge-offs to loans | 0.0613% | 2,256 |
| Credit loss provision to net charge-offs | 218.5185% | 1,330 |
| Earnings coverage of net charge-offs (x) | 26.7496% | 1,714 |
| Efficiency ratio | 68.0753% | 2,530 |
| Assets per employee ($millions) | 5.1176% | 2,363 |
| Cash dividends to net income (ytd only)* | 36.9850% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,583 |
| Loan loss allowance to noncurrent loans | 208.9670% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1343% | 1,171 |
| Noncurrent loans to loans | 0.4863% | 2,817 |
| Net loans and leases to total assets | 77.0061% | 1,439 |
| Net loans and leases to deposits | 94.5749% | 1,219 |
| Net loans and leases to core deposits | 103.7032% | 1,439 |
| Total domestic deposits to total assets | 81.4233% | 3,804 |
| Equity capital to assets | 10.0847% | 3,592 |
| Core capital (leverage) ratio | 10.4341% | 3,104 |
| Tier 1 risk-based capital ratio | 12.2425% | 4,274 |
| Total risk-based capital ratio | 13.1939% | 4,353 |
| Memoranda: | ||
| Average total assets | $1,445,375,800 | 559 |
| Average earning assets | $1,356,409,200 | 543 |
| Average equity | $142,906,200 | 607 |
| Average total loans | $1,101,869,000 | 519 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 3,378 |
| Cost of funding earning assets | 0.7373% | 1,637 |
| Net interest margin | 3.4442% | 3,878 |
| Noninterest income to average assets | 0.6629% | 2,013 |
| Noninterest expense to average assets | 2.6838% | 3,021 |
| Loan and lease loss provision to assets | 0.0927% | 2,124 |
| Net operating income to assets | 0.9194% | 3,437 |
| Return on assets (ROA) | 0.9196% | 3,438 |
| Pretax return on assets | 1.1198% | 3,321 |
| Return on Equity (ROE) | 9.3490% | 2,935 |
| Retained earnings to average equity (ytd only) | 4.6368% | 3,432 |
| Net charge-offs to loans | 0.0604% | 1,958 |
| Credit loss provision to net charge-offs | 202.4291% | 1,365 |
| Earnings coverage of net charge-offs (x) | 26.4696% | 1,744 |
| Efficiency ratio | 68.8867% | 2,375 |
| Assets per employee ($millions) | 4.8310% | 2,680 |
| Cash dividends to net income (ytd only)* | 50.4032% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,648 |
| Loan loss allowance to noncurrent loans | 180.8599% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 1,171 |
| Noncurrent loans to loans | 0.5628% | 2,693 |
| Net loans and leases to total assets | 76.4579% | 1,589 |
| Net loans and leases to deposits | 93.1855% | 1,479 |
| Net loans and leases to core deposits | 102.7971% | 1,542 |
| Total domestic deposits to total assets | 82.0491% | 3,598 |
| Equity capital to assets | 9.8934% | 3,742 |
| Core capital (leverage) ratio | 10.2971% | 3,292 |
| Tier 1 risk-based capital ratio | 12.3642% | 4,275 |
| Total risk-based capital ratio | 13.3215% | 4,346 |
| Memoranda: | ||
| Average total assets | $1,438,250,500 | 560 |
| Average earning assets | $1,350,111,500 | 542 |
| Average equity | $141,473,750 | 610 |
| Average total loans | $1,090,679,500 | 517 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 3,420 |
| Cost of funding earning assets | 0.6996% | 1,625 |
| Net interest margin | 3.4091% | 3,925 |
| Noninterest income to average assets | 0.6587% | 2,053 |
| Noninterest expense to average assets | 2.7016% | 3,010 |
| Loan and lease loss provision to assets | 0.1044% | 1,863 |
| Net operating income to assets | 0.8509% | 3,672 |
| Return on assets (ROA) | 0.8509% | 3,672 |
| Pretax return on assets | 1.0500% | 3,517 |
| Return on Equity (ROE) | 8.6669% | 3,190 |
| Retained earnings to average equity (ytd only) | 2.9930% | 4,061 |
| Net charge-offs to loans | 0.0721% | 1,614 |
| Credit loss provision to net charge-offs | 192.3077% | 1,339 |
| Earnings coverage of net charge-offs (x) | 21.2564% | 1,782 |
| Efficiency ratio | 70.0614% | 2,304 |
| Assets per employee ($millions) | 4.4609% | 3,184 |
| Cash dividends to net income (ytd only)* | 65.4664% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,686 |
| Loan loss allowance to noncurrent loans | 176.4836% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1961% | 1,199 |
| Noncurrent loans to loans | 0.5806% | 2,682 |
| Net loans and leases to total assets | 75.1614% | 1,766 |
| Net loans and leases to deposits | 91.3822% | 1,664 |
| Net loans and leases to core deposits | 99.6850% | 1,759 |
| Total domestic deposits to total assets | 82.2495% | 3,643 |
| Equity capital to assets | 9.7813% | 3,837 |
| Core capital (leverage) ratio | 10.1412% | 3,436 |
| Tier 1 risk-based capital ratio | 12.2256% | 4,357 |
| Total risk-based capital ratio | 13.1805% | 4,419 |
| Memoranda: | ||
| Average total assets | $1,436,179,000 | 559 |
| Average earning assets | $1,346,989,330 | 544 |
| Average equity | $140,996,330 | 609 |
| Average total loans | $1,082,317,670 | 520 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 3,553 |
| Cost of funding earning assets | 0.6440% | 1,752 |
| Net interest margin | 3.3708% | 3,982 |
| Noninterest income to average assets | 0.6411% | 2,070 |
| Noninterest expense to average assets | 2.7470% | 2,883 |
| Loan and lease loss provision to assets | 0.0837% | 2,126 |
| Net operating income to assets | 0.7808% | 3,787 |
| Return on assets (ROA) | 0.7808% | 3,785 |
| Pretax return on assets | 0.9672% | 3,645 |
| Return on Equity (ROE) | 7.9390% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.1026% | 3,122 |
| Net charge-offs to loans | 0.0762% | 1,361 |
| Credit loss provision to net charge-offs | 146.3415% | 1,247 |
| Earnings coverage of net charge-offs (x) | 18.3756% | 1,538 |
| Efficiency ratio | 72.3300% | 2,143 |
| Assets per employee ($millions) | 4.2637% | 3,543 |
| Cash dividends to net income (ytd only)* | 35.7270% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 3,893 |
| Loan loss allowance to noncurrent loans | 198.3152% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 1,362 |
| Noncurrent loans to loans | 0.5091% | 2,992 |
| Net loans and leases to total assets | 74.2615% | 1,817 |
| Net loans and leases to deposits | 90.8164% | 1,579 |
| Net loans and leases to core deposits | 101.9429% | 1,534 |
| Total domestic deposits to total assets | 81.7710% | 4,027 |
| Equity capital to assets | 9.7598% | 3,828 |
| Core capital (leverage) ratio | 10.3721% | 3,093 |
| Tier 1 risk-based capital ratio | 11.8848% | 4,618 |
| Total risk-based capital ratio | 12.7934% | 4,733 |
| Memoranda: | ||
| Average total assets | $1,433,830,500 | 561 |
| Average earning assets | $1,342,817,500 | 551 |
| Average equity | $141,026,000 | 612 |
| Average total loans | $1,076,379,000 | 526 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,279 |
| Cost of funding earning assets | 0.4967% | 2,363 |
| Net interest margin | 3.5423% | 3,369 |
| Noninterest income to average assets | 0.6557% | 2,161 |
| Noninterest expense to average assets | 2.6841% | 3,183 |
| Loan and lease loss provision to assets | 0.1303% | 1,761 |
| Net operating income to assets | 0.5378% | 4,269 |
| Return on assets (ROA) | 0.5380% | 4,303 |
| Pretax return on assets | 1.1364% | 3,035 |
| Return on Equity (ROE) | 5.1942% | 4,088 |
| Retained earnings to average equity (ytd only) | 3.3409% | 3,297 |
| Net charge-offs to loans | 0.0778% | 2,335 |
| Credit loss provision to net charge-offs | 220.9011% | 1,241 |
| Earnings coverage of net charge-offs (x) | 21.4668% | 1,906 |
| Efficiency ratio | 67.9444% | 2,911 |
| Assets per employee ($millions) | 4.2839% | 3,514 |
| Cash dividends to net income (ytd only)* | 35.6800% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,843 |
| Loan loss allowance to noncurrent loans | 180.8667% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 1.1828% | 1,255 |
| Noncurrent loans to loans | 0.5616% | 2,811 |
| Net loans and leases to total assets | 74.3593% | 1,862 |
| Net loans and leases to deposits | 93.7645% | 1,300 |
| Net loans and leases to core deposits | 103.0824% | 1,480 |
| Total domestic deposits to total assets | 79.3044% | 4,478 |
| Equity capital to assets | 9.9127% | 3,802 |
| Core capital (leverage) ratio | 10.3757% | 2,992 |
| Tier 1 risk-based capital ratio | 11.9164% | 4,589 |
| Total risk-based capital ratio | 12.8310% | 4,694 |
| Memoranda: | ||
| Average total assets | $1,354,454,800 | 568 |
| Average earning assets | $1,259,803,200 | 556 |
| Average equity | $140,291,400 | 581 |
| Average total loans | $1,026,542,000 | 529 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 3,212 |
| Cost of funding earning assets | 0.4684% | 2,535 |
| Net interest margin | 3.5732% | 3,251 |
| Noninterest income to average assets | 0.6569% | 2,178 |
| Noninterest expense to average assets | 2.6876% | 3,100 |
| Loan and lease loss provision to assets | 0.1231% | 1,758 |
| Net operating income to assets | 0.7606% | 3,691 |
| Return on assets (ROA) | 0.7606% | 3,751 |
| Pretax return on assets | 1.1668% | 3,032 |
| Return on Equity (ROE) | 7.2604% | 3,518 |
| Retained earnings to average equity (ytd only) | 4.7863% | 3,028 |
| Net charge-offs to loans | 0.0159% | 3,199 |
| Credit loss provision to net charge-offs | 1,020.6612% | 351 |
| Earnings coverage of net charge-offs (x) | 106.9417% | 666 |
| Efficiency ratio | 67.5697% | 2,951 |
| Assets per employee ($millions) | 4.1189% | 3,789 |
| Cash dividends to net income (ytd only)* | 34.0760% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,775 |
| Loan loss allowance to noncurrent loans | 172.1979% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 1,306 |
| Noncurrent loans to loans | 0.6113% | 2,881 |
| Net loans and leases to total assets | 74.9392% | 1,772 |
| Net loans and leases to deposits | 93.0309% | 1,416 |
| Net loans and leases to core deposits | 103.0699% | 1,463 |
| Total domestic deposits to total assets | 80.5530% | 4,191 |
| Equity capital to assets | 10.3154% | 3,578 |
| Core capital (leverage) ratio | 10.5159% | 2,971 |
| Tier 1 risk-based capital ratio | 12.2111% | 4,491 |
| Total risk-based capital ratio | 13.1621% | 4,568 |
| Memoranda: | ||
| Average total assets | $1,337,504,500 | 577 |
| Average earning assets | $1,242,970,250 | 565 |
| Average equity | $140,118,250 | 581 |
| Average total loans | $1,016,069,500 | 539 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 3,084 |
| Cost of funding earning assets | 0.4290% | 2,815 |
| Net interest margin | 3.6028% | 3,025 |
| Noninterest income to average assets | 0.6764% | 2,094 |
| Noninterest expense to average assets | 2.6954% | 3,105 |
| Loan and lease loss provision to assets | 0.1028% | 1,971 |
| Net operating income to assets | 0.7954% | 3,419 |
| Return on assets (ROA) | 0.7954% | 3,477 |
| Pretax return on assets | 1.2214% | 2,691 |
| Return on Equity (ROE) | 7.5521% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.5521% | 1,330 |
| Net charge-offs to loans | 0.0042% | 3,343 |
| Credit loss provision to net charge-offs | 3,238.0952% | 129 |
| Earnings coverage of net charge-offs (x) | 417.2381% | 203 |
| Efficiency ratio | 67.0564% | 3,175 |
| Assets per employee ($millions) | 4.0490% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 4,035 |
| Loan loss allowance to noncurrent loans | 223.2691% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 1,511 |
| Noncurrent loans to loans | 0.4563% | 3,376 |
| Net loans and leases to total assets | 74.4179% | 1,794 |
| Net loans and leases to deposits | 94.3533% | 1,231 |
| Net loans and leases to core deposits | 102.0975% | 1,501 |
| Total domestic deposits to total assets | 78.8716% | 4,647 |
| Equity capital to assets | 10.3501% | 3,510 |
| Core capital (leverage) ratio | 10.7914% | 2,609 |
| Tier 1 risk-based capital ratio | 12.3825% | 4,365 |
| Total risk-based capital ratio | 13.3061% | 4,475 |
| Memoranda: | ||
| Average total assets | $1,323,390,000 | 586 |
| Average earning assets | $1,227,985,670 | 573 |
| Average equity | $139,378,670 | 583 |
| Average total loans | $1,006,410,330 | 542 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 2,946 |
| Cost of funding earning assets | 0.4009% | 2,989 |
| Net interest margin | 3.6238% | 2,806 |
| Noninterest income to average assets | 0.7690% | 1,670 |
| Noninterest expense to average assets | 2.7376% | 2,999 |
| Loan and lease loss provision to assets | 0.1080% | 1,766 |
| Net operating income to assets | 0.8328% | 3,068 |
| Return on assets (ROA) | 0.8328% | 3,125 |
| Pretax return on assets | 1.2804% | 2,306 |
| Return on Equity (ROE) | 7.8360% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.8360% | 1,532 |
| Net charge-offs to loans | -0.0105% | 4,448 |
| Credit loss provision to net charge-offs | -1,346.1538% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3502% | 3,436 |
| Assets per employee ($millions) | 3.9549% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 4,187 |
| Loan loss allowance to noncurrent loans | 288.5015% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 1.1365% | 1,556 |
| Noncurrent loans to loans | 0.3521% | 3,836 |
| Net loans and leases to total assets | 76.1538% | 1,393 |
| Net loans and leases to deposits | 95.5251% | 973 |
| Net loans and leases to core deposits | 104.8972% | 1,162 |
| Total domestic deposits to total assets | 79.7213% | 4,678 |
| Equity capital to assets | 10.6112% | 3,055 |
| Core capital (leverage) ratio | 10.7347% | 2,656 |
| Tier 1 risk-based capital ratio | 12.1983% | 4,582 |
| Total risk-based capital ratio | 13.1002% | 4,721 |
| Memoranda: | ||
| Average total assets | $1,296,759,500 | 596 |
| Average earning assets | $1,201,288,500 | 588 |
| Average equity | $137,825,500 | 586 |
| Average total loans | $992,105,500 | 546 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 3,236 |
| Cost of funding earning assets | 0.3615% | 3,396 |
| Net interest margin | 3.6256% | 2,979 |
| Noninterest income to average assets | 0.6910% | 2,215 |
| Noninterest expense to average assets | 2.8112% | 2,986 |
| Loan and lease loss provision to assets | 0.1143% | 2,159 |
| Net operating income to assets | 0.7267% | 3,657 |
| Return on assets (ROA) | 0.7581% | 3,612 |
| Pretax return on assets | 1.1665% | 2,822 |
| Return on Equity (ROE) | 7.0816% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.0816% | 1,199 |
| Net charge-offs to loans | 0.0156% | 3,772 |
| Credit loss provision to net charge-offs | 996.5035% | 390 |
| Earnings coverage of net charge-offs (x) | 107.4545% | 560 |
| Efficiency ratio | 69.5192% | 2,991 |
| Assets per employee ($millions) | 3.9279% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 4,226 |
| Loan loss allowance to noncurrent loans | 282.9422% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 1,506 |
| Noncurrent loans to loans | 0.3587% | 3,842 |
| Net loans and leases to total assets | 75.2947% | 1,635 |
| Net loans and leases to deposits | 94.9490% | 1,097 |
| Net loans and leases to core deposits | 105.1602% | 1,186 |
| Total domestic deposits to total assets | 79.3001% | 4,719 |
| Equity capital to assets | 10.6461% | 2,981 |
| Core capital (leverage) ratio | 10.8842% | 2,450 |
| Tier 1 risk-based capital ratio | 12.4551% | 4,402 |
| Total risk-based capital ratio | 13.3601% | 4,526 |
| Memoranda: | ||
| Average total assets | $1,246,674,400 | 595 |
| Average earning assets | $1,152,816,200 | 583 |
| Average equity | $133,457,800 | 596 |
| Average total loans | $917,026,800 | 553 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 3,337 |
| Cost of funding earning assets | 0.3574% | 3,461 |
| Net interest margin | 3.6099% | 3,033 |
| Noninterest income to average assets | 0.6694% | 2,315 |
| Noninterest expense to average assets | 2.8262% | 2,914 |
| Loan and lease loss provision to assets | 0.1050% | 2,173 |
| Net operating income to assets | 0.7024% | 3,838 |
| Return on assets (ROA) | 0.7445% | 3,759 |
| Pretax return on assets | 1.1441% | 3,069 |
| Return on Equity (ROE) | 6.9447% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.9447% | 1,658 |
| Net charge-offs to loans | 0.0161% | 3,406 |
| Credit loss provision to net charge-offs | 894.4954% | 457 |
| Earnings coverage of net charge-offs (x) | 100.8989% | 651 |
| Efficiency ratio | 70.4712% | 2,826 |
| Assets per employee ($millions) | 3.9121% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 4,416 |
| Loan loss allowance to noncurrent loans | 259.5943% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 1,591 |
| Noncurrent loans to loans | 0.3849% | 3,879 |
| Net loans and leases to total assets | 73.7992% | 1,903 |
| Net loans and leases to deposits | 91.6790% | 1,540 |
| Net loans and leases to core deposits | 101.3397% | 1,530 |
| Total domestic deposits to total assets | 80.4974% | 4,389 |
| Equity capital to assets | 10.7395% | 3,321 |
| Core capital (leverage) ratio | 10.8079% | 2,679 |
| Tier 1 risk-based capital ratio | 12.7326% | 4,324 |
| Total risk-based capital ratio | 13.6360% | 4,446 |
| Memoranda: | ||
| Average total assets | $1,238,220,000 | 594 |
| Average earning assets | $1,146,005,000 | 588 |
| Average equity | $132,741,500 | 606 |
| Average total loans | $902,776,250 | 558 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 3,362 |
| Cost of funding earning assets | 0.3504% | 3,563 |
| Net interest margin | 3.6163% | 3,033 |
| Noninterest income to average assets | 0.6710% | 2,272 |
| Noninterest expense to average assets | 2.8632% | 2,796 |
| Loan and lease loss provision to assets | 0.1100% | 2,034 |
| Net operating income to assets | 0.6831% | 3,884 |
| Return on assets (ROA) | 0.7359% | 3,785 |
| Pretax return on assets | 1.1215% | 3,119 |
| Return on Equity (ROE) | 6.8683% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.8683% | 1,686 |
| Net charge-offs to loans | -0.0255% | 5,050 |
| Credit loss provision to net charge-offs | -597.3451% | 4,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3161% | 2,773 |
| Assets per employee ($millions) | 3.7817% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,418 |
| Loan loss allowance to noncurrent loans | 257.0334% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3138% | 1,537 |
| Noncurrent loans to loans | 0.3959% | 3,941 |
| Net loans and leases to total assets | 72.5448% | 2,083 |
| Net loans and leases to deposits | 90.3405% | 1,716 |
| Net loans and leases to core deposits | 99.6651% | 1,657 |
| Total domestic deposits to total assets | 80.3015% | 4,477 |
| Equity capital to assets | 10.6813% | 3,426 |
| Core capital (leverage) ratio | 10.7963% | 2,655 |
| Tier 1 risk-based capital ratio | 12.6995% | 4,386 |
| Total risk-based capital ratio | 13.6093% | 4,531 |
| Memoranda: | ||
| Average total assets | $1,227,152,000 | 599 |
| Average earning assets | $1,134,702,330 | 590 |
| Average equity | $131,473,670 | 614 |
| Average total loans | $887,778,000 | 564 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 3,245 |
| Cost of funding earning assets | 0.3488% | 3,611 |
| Net interest margin | 3.6454% | 2,908 |
| Noninterest income to average assets | 0.6837% | 2,117 |
| Noninterest expense to average assets | 2.8603% | 2,848 |
| Loan and lease loss provision to assets | 0.0826% | 2,303 |
| Net operating income to assets | 0.7321% | 3,576 |
| Return on assets (ROA) | 0.8350% | 3,196 |
| Pretax return on assets | 1.2627% | 2,460 |
| Return on Equity (ROE) | 7.7811% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.7811% | 1,550 |
| Net charge-offs to loans | 0.1025% | 1,512 |
| Credit loss provision to net charge-offs | 112.1076% | 1,499 |
| Earnings coverage of net charge-offs (x) | 16.1480% | 1,635 |
| Efficiency ratio | 70.6305% | 3,019 |
| Assets per employee ($millions) | 3.6327% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 4,687 |
| Loan loss allowance to noncurrent loans | 275.0478% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 1,617 |
| Noncurrent loans to loans | 0.3585% | 4,146 |
| Net loans and leases to total assets | 70.5853% | 2,254 |
| Net loans and leases to deposits | 86.6757% | 1,989 |
| Net loans and leases to core deposits | 93.6534% | 2,029 |
| Total domestic deposits to total assets | 81.4360% | 4,368 |
| Equity capital to assets | 10.7257% | 3,224 |
| Core capital (leverage) ratio | 10.7803% | 2,640 |
| Tier 1 risk-based capital ratio | 13.0810% | 4,211 |
| Total risk-based capital ratio | 13.9566% | 4,366 |
| Memoranda: | ||
| Average total assets | $1,211,082,500 | 606 |
| Average earning assets | $1,118,232,000 | 598 |
| Average equity | $129,956,000 | 618 |
| Average total loans | $870,196,000 | 574 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1094% | 2,878 |
| Cost of funding earning assets | 0.3375% | 3,819 |
| Net interest margin | 3.7719% | 2,471 |
| Noninterest income to average assets | 0.8040% | 1,773 |
| Noninterest expense to average assets | 2.9569% | 2,680 |
| Loan and lease loss provision to assets | 0.0210% | 3,969 |
| Net operating income to assets | 0.8659% | 3,042 |
| Return on assets (ROA) | 0.8664% | 3,114 |
| Pretax return on assets | 1.3040% | 2,273 |
| Return on Equity (ROE) | 8.3235% | 2,789 |
| Retained earnings to average equity (ytd only) | 7.5169% | 1,091 |
| Net charge-offs to loans | 0.0864% | 2,594 |
| Credit loss provision to net charge-offs | 33.5570% | 3,607 |
| Earnings coverage of net charge-offs (x) | 21.1745% | 1,826 |
| Efficiency ratio | 69.0674% | 3,387 |
| Assets per employee ($millions) | 3.4922% | 4,850 |
| Cash dividends to net income (ytd only)* | 9.6899% | 4,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 4,651 |
| Loan loss allowance to noncurrent loans | 194.4846% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 1,337 |
| Noncurrent loans to loans | 0.5114% | 3,647 |
| Net loans and leases to total assets | 71.7126% | 2,103 |
| Net loans and leases to deposits | 89.6784% | 1,654 |
| Net loans and leases to core deposits | 97.9366% | 1,678 |
| Total domestic deposits to total assets | 79.9665% | 4,753 |
| Equity capital to assets | 10.7355% | 3,094 |
| Core capital (leverage) ratio | 10.7284% | 2,682 |
| Tier 1 risk-based capital ratio | 13.0905% | 4,250 |
| Total risk-based capital ratio | 13.9812% | 4,397 |
| Memoranda: | ||
| Average total assets | $1,191,198,000 | 591 |
| Average earning assets | $1,098,146,800 | 585 |
| Average equity | $123,986,800 | 615 |
| Average total loans | $862,654,000 | 549 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 2,855 |
| Cost of funding earning assets | 0.3356% | 3,914 |
| Net interest margin | 3.7840% | 2,447 |
| Noninterest income to average assets | 0.8015% | 1,799 |
| Noninterest expense to average assets | 2.9323% | 2,733 |
| Loan and lease loss provision to assets | 0.0280% | 3,683 |
| Net operating income to assets | 0.8646% | 3,114 |
| Return on assets (ROA) | 0.8652% | 3,197 |
| Pretax return on assets | 1.3317% | 2,279 |
| Return on Equity (ROE) | 8.3786% | 2,890 |
| Retained earnings to average equity (ytd only) | 7.2940% | 1,551 |
| Net charge-offs to loans | 0.0159% | 3,635 |
| Credit loss provision to net charge-offs | 242.7184% | 1,163 |
| Earnings coverage of net charge-offs (x) | 117.7864% | 543 |
| Efficiency ratio | 68.3345% | 3,479 |
| Assets per employee ($millions) | 3.5897% | 4,627 |
| Cash dividends to net income (ytd only)* | 12.9450% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 4,457 |
| Loan loss allowance to noncurrent loans | 103.3535% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.7804% | 1,207 |
| Noncurrent loans to loans | 1.0176% | 2,440 |
| Net loans and leases to total assets | 71.2719% | 2,182 |
| Net loans and leases to deposits | 88.7661% | 1,801 |
| Net loans and leases to core deposits | 97.8509% | 1,711 |
| Total domestic deposits to total assets | 80.2918% | 4,671 |
| Equity capital to assets | 10.4096% | 3,697 |
| Core capital (leverage) ratio | 10.5507% | 2,988 |
| Tier 1 risk-based capital ratio | 13.0568% | 4,400 |
| Total risk-based capital ratio | 14.0298% | 4,468 |
| Memoranda: | ||
| Average total assets | $1,190,418,250 | 595 |
| Average earning assets | $1,097,827,750 | 590 |
| Average equity | $122,929,500 | 627 |
| Average total loans | $862,047,500 | 546 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 3,034 |
| Cost of funding earning assets | 0.3341% | 3,994 |
| Net interest margin | 3.7299% | 2,582 |
| Noninterest income to average assets | 0.8070% | 1,746 |
| Noninterest expense to average assets | 2.9212% | 2,811 |
| Loan and lease loss provision to assets | 0.0424% | 3,262 |
| Net operating income to assets | 0.8343% | 3,195 |
| Return on assets (ROA) | 0.8351% | 3,312 |
| Pretax return on assets | 1.2814% | 2,427 |
| Return on Equity (ROE) | 8.1098% | 2,987 |
| Retained earnings to average equity (ytd only) | 6.4645% | 1,968 |
| Net charge-offs to loans | -0.1488% | 5,928 |
| Credit loss provision to net charge-offs | -39.2465% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8373% | 3,521 |
| Assets per employee ($millions) | 3.5662% | 4,687 |
| Cash dividends to net income (ytd only)* | 20.2881% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 4,036 |
| Loan loss allowance to noncurrent loans | 97.9692% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.9234% | 1,169 |
| Noncurrent loans to loans | 1.1826% | 2,289 |
| Net loans and leases to total assets | 71.0965% | 2,144 |
| Net loans and leases to deposits | 85.9325% | 2,063 |
| Net loans and leases to core deposits | 94.7011% | 1,894 |
| Total domestic deposits to total assets | 82.7353% | 4,054 |
| Equity capital to assets | 10.2868% | 3,702 |
| Core capital (leverage) ratio | 10.4382% | 3,037 |
| Tier 1 risk-based capital ratio | 13.1098% | 4,454 |
| Total risk-based capital ratio | 14.1876% | 4,473 |
| Memoranda: | ||
| Average total assets | $1,180,393,000 | 603 |
| Average earning assets | $1,087,576,330 | 595 |
| Average equity | $121,556,330 | 636 |
| Average total loans | $856,358,330 | 550 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 2,883 |
| Cost of funding earning assets | 0.3362% | 4,023 |
| Net interest margin | 3.7522% | 2,423 |
| Noninterest income to average assets | 0.7590% | 1,870 |
| Noninterest expense to average assets | 2.8986% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8611% | 2,956 |
| Return on assets (ROA) | 0.8611% | 3,071 |
| Pretax return on assets | 1.3204% | 2,198 |
| Return on Equity (ROE) | 8.3576% | 2,778 |
| Retained earnings to average equity (ytd only) | 5.0437% | 3,027 |
| Net charge-offs to loans | -0.3102% | 6,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7035% | 3,709 |
| Assets per employee ($millions) | 3.5159% | 4,871 |
| Cash dividends to net income (ytd only)* | 39.6511% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 4,305 |
| Loan loss allowance to noncurrent loans | 61.2052% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.3691% | 925 |
| Noncurrent loans to loans | 1.8655% | 1,440 |
| Net loans and leases to total assets | 71.3256% | 1,928 |
| Net loans and leases to deposits | 84.8049% | 1,978 |
| Net loans and leases to core deposits | 92.4576% | 1,911 |
| Total domestic deposits to total assets | 84.1055% | 3,781 |
| Equity capital to assets | 10.2718% | 3,801 |
| Core capital (leverage) ratio | 10.3010% | 3,212 |
| Tier 1 risk-based capital ratio | 13.5750% | 4,287 |
| Total risk-based capital ratio | 14.6924% | 4,271 |
| Memoranda: | ||
| Average total assets | $1,171,475,000 | 601 |
| Average earning assets | $1,080,210,500 | 597 |
| Average equity | $120,705,000 | 637 |
| Average total loans | $853,595,000 | 548 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 2,859 |
| Cost of funding earning assets | 0.3600% | 4,140 |
| Net interest margin | 3.8667% | 2,371 |
| Noninterest income to average assets | 0.7528% | 2,065 |
| Noninterest expense to average assets | 3.0122% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8275% | 3,238 |
| Return on assets (ROA) | 0.8287% | 3,320 |
| Pretax return on assets | 1.2767% | 2,320 |
| Return on Equity (ROE) | 8.2301% | 3,005 |
| Retained earnings to average equity (ytd only) | 6.0684% | 1,884 |
| Net charge-offs to loans | 0.5476% | 741 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.1697% | 3,957 |
| Efficiency ratio | 70.2618% | 3,487 |
| Assets per employee ($millions) | 3.4777% | 4,937 |
| Cash dividends to net income (ytd only)* | 26.2660% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 4,714 |
| Loan loss allowance to noncurrent loans | 56.7305% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.4400% | 953 |
| Noncurrent loans to loans | 1.8818% | 1,503 |
| Net loans and leases to total assets | 72.8114% | 1,790 |
| Net loans and leases to deposits | 86.7715% | 1,876 |
| Net loans and leases to core deposits | 94.0209% | 1,921 |
| Total domestic deposits to total assets | 83.9117% | 3,759 |
| Equity capital to assets | 10.3363% | 3,680 |
| Core capital (leverage) ratio | 10.4153% | 3,045 |
| Tier 1 risk-based capital ratio | 13.7360% | 4,274 |
| Total risk-based capital ratio | 14.7845% | 4,329 |
| Memoranda: | ||
| Average total assets | $1,148,612,400 | 590 |
| Average earning assets | $1,049,884,400 | 586 |
| Average equity | $115,648,400 | 628 |
| Average total loans | $843,718,000 | 530 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,859 |
| Cost of funding earning assets | 0.3671% | 4,156 |
| Net interest margin | 3.8691% | 2,356 |
| Noninterest income to average assets | 0.7557% | 2,069 |
| Noninterest expense to average assets | 3.0163% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8268% | 3,303 |
| Return on assets (ROA) | 0.8268% | 3,392 |
| Pretax return on assets | 1.2725% | 2,487 |
| Return on Equity (ROE) | 8.2672% | 3,055 |
| Retained earnings to average equity (ytd only) | 5.9410% | 2,451 |
| Net charge-offs to loans | 0.2671% | 1,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.4887% | 3,077 |
| Efficiency ratio | 70.3290% | 3,450 |
| Assets per employee ($millions) | 3.3274% | 5,196 |
| Cash dividends to net income (ytd only)* | 28.1373% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 3,114 |
| Loan loss allowance to noncurrent loans | 77.8684% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 2.4691% | 1,080 |
| Noncurrent loans to loans | 1.8138% | 1,775 |
| Net loans and leases to total assets | 73.3796% | 1,616 |
| Net loans and leases to deposits | 86.8887% | 1,804 |
| Net loans and leases to core deposits | 94.3693% | 1,822 |
| Total domestic deposits to total assets | 84.4524% | 3,565 |
| Equity capital to assets | 10.2469% | 3,864 |
| Core capital (leverage) ratio | 10.2311% | 3,370 |
| Tier 1 risk-based capital ratio | 13.4196% | 4,591 |
| Total risk-based capital ratio | 14.6712% | 4,532 |
| Memoranda: | ||
| Average total assets | $1,146,246,750 | 586 |
| Average earning assets | $1,046,692,000 | 584 |
| Average equity | $114,635,000 | 630 |
| Average total loans | $841,570,000 | 521 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 2,874 |
| Cost of funding earning assets | 0.3752% | 4,158 |
| Net interest margin | 3.8475% | 2,388 |
| Noninterest income to average assets | 0.7691% | 1,965 |
| Noninterest expense to average assets | 2.9205% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8790% | 2,910 |
| Return on assets (ROA) | 0.8790% | 2,997 |
| Pretax return on assets | 1.3556% | 2,058 |
| Return on Equity (ROE) | 8.8615% | 2,656 |
| Retained earnings to average equity (ytd only) | 7.1033% | 1,720 |
| Net charge-offs to loans | 0.3744% | 1,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.9541% | 3,012 |
| Efficiency ratio | 68.2981% | 3,947 |
| Assets per employee ($millions) | 3.3874% | 5,081 |
| Cash dividends to net income (ytd only)* | 19.8413% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 3,179 |
| Loan loss allowance to noncurrent loans | 71.1192% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 2.5440% | 1,099 |
| Noncurrent loans to loans | 2.0139% | 1,682 |
| Net loans and leases to total assets | 72.1758% | 1,712 |
| Net loans and leases to deposits | 84.4235% | 1,990 |
| Net loans and leases to core deposits | 91.7036% | 1,955 |
| Total domestic deposits to total assets | 85.4926% | 3,289 |
| Equity capital to assets | 10.0604% | 4,022 |
| Core capital (leverage) ratio | 10.0856% | 3,492 |
| Tier 1 risk-based capital ratio | 13.3159% | 4,709 |
| Total risk-based capital ratio | 14.5676% | 4,644 |
| Memoranda: | ||
| Average total assets | $1,146,787,670 | 584 |
| Average earning assets | $1,045,311,000 | 583 |
| Average equity | $113,750,330 | 627 |
| Average total loans | $838,109,000 | 521 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 2,802 |
| Cost of funding earning assets | 0.3836% | 4,154 |
| Net interest margin | 3.8356% | 2,322 |
| Noninterest income to average assets | 0.7681% | 1,879 |
| Noninterest expense to average assets | 2.9407% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8568% | 2,867 |
| Return on assets (ROA) | 0.8568% | 2,936 |
| Pretax return on assets | 1.3186% | 2,031 |
| Return on Equity (ROE) | 8.7013% | 2,601 |
| Retained earnings to average equity (ytd only) | 7.8112% | 1,680 |
| Net charge-offs to loans | 0.4197% | 868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.3032% | 2,546 |
| Efficiency ratio | 69.0427% | 3,996 |
| Assets per employee ($millions) | 3.2937% | 5,350 |
| Cash dividends to net income (ytd only)* | 10.2291% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 2,994 |
| Loan loss allowance to noncurrent loans | 81.6281% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 2.6144% | 1,186 |
| Noncurrent loans to loans | 1.8822% | 2,022 |
| Net loans and leases to total assets | 71.4083% | 1,662 |
| Net loans and leases to deposits | 83.2548% | 1,916 |
| Net loans and leases to core deposits | 89.9043% | 1,914 |
| Total domestic deposits to total assets | 85.7708% | 3,488 |
| Equity capital to assets | 9.8650% | 4,004 |
| Core capital (leverage) ratio | 10.0380% | 3,513 |
| Tier 1 risk-based capital ratio | 13.2644% | 4,848 |
| Total risk-based capital ratio | 14.5174% | 4,779 |
| Memoranda: | ||
| Average total assets | $1,140,934,000 | 594 |
| Average earning assets | $1,038,476,000 | 592 |
| Average equity | $112,351,000 | 632 |
| Average total loans | $833,012,000 | 521 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 2,627 |
| Cost of funding earning assets | 0.4864% | 3,752 |
| Net interest margin | 3.9007% | 2,284 |
| Noninterest income to average assets | 0.5468% | 3,425 |
| Noninterest expense to average assets | 3.0773% | 2,809 |
| Loan and lease loss provision to assets | 0.1746% | 2,114 |
| Net operating income to assets | 0.5521% | 4,496 |
| Return on assets (ROA) | 0.5969% | 4,393 |
| Pretax return on assets | 0.9049% | 3,748 |
| Return on Equity (ROE) | 5.9350% | 4,123 |
| Retained earnings to average equity (ytd only) | -7.0861% | 6,465 |
| Net charge-offs to loans | 0.3215% | 2,076 |
| Credit loss provision to net charge-offs | 75.3296% | 3,161 |
| Earnings coverage of net charge-offs (x) | 4.3638% | 3,588 |
| Efficiency ratio | 74.9717% | 2,957 |
| Assets per employee ($millions) | 3.2632% | 5,357 |
| Cash dividends to net income (ytd only)* | 219.3945% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 2,556 |
| Loan loss allowance to noncurrent loans | 95.5030% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 2.6183% | 1,293 |
| Noncurrent loans to loans | 1.7307% | 2,322 |
| Net loans and leases to total assets | 72.2955% | 1,641 |
| Net loans and leases to deposits | 85.2354% | 1,786 |
| Net loans and leases to core deposits | 92.4704% | 1,738 |
| Total domestic deposits to total assets | 84.8186% | 3,840 |
| Equity capital to assets | 9.8292% | 3,987 |
| Core capital (leverage) ratio | 10.0396% | 3,508 |
| Tier 1 risk-based capital ratio | 13.0347% | 4,944 |
| Total risk-based capital ratio | 14.2889% | 4,896 |
| Memoranda: | ||
| Average total assets | $1,145,328,600 | 574 |
| Average earning assets | $1,040,029,200 | 569 |
| Average equity | $115,197,400 | 616 |
| Average total loans | $825,741,600 | 502 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 2,614 |
| Cost of funding earning assets | 0.5188% | 3,579 |
| Net interest margin | 3.8746% | 2,364 |
| Noninterest income to average assets | 0.5055% | 3,766 |
| Noninterest expense to average assets | 3.0651% | 2,774 |
| Loan and lease loss provision to assets | 0.2320% | 1,558 |
| Net operating income to assets | 0.4846% | 4,868 |
| Return on assets (ROA) | 0.5270% | 4,838 |
| Pretax return on assets | 0.7925% | 4,321 |
| Return on Equity (ROE) | 5.2104% | 4,622 |
| Retained earnings to average equity (ytd only) | -11.9932% | 6,672 |
| Net charge-offs to loans | 0.4184% | 1,530 |
| Credit loss provision to net charge-offs | 77.2798% | 2,912 |
| Earnings coverage of net charge-offs (x) | 3.1986% | 3,770 |
| Efficiency ratio | 75.7557% | 2,760 |
| Assets per employee ($millions) | 3.2301% | 5,430 |
| Cash dividends to net income (ytd only)* | 330.1784% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 2,631 |
| Loan loss allowance to noncurrent loans | 73.1624% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 3.1208% | 1,168 |
| Noncurrent loans to loans | 2.3181% | 1,892 |
| Net loans and leases to total assets | 71.4990% | 1,679 |
| Net loans and leases to deposits | 83.8082% | 1,901 |
| Net loans and leases to core deposits | 91.3214% | 1,841 |
| Total domestic deposits to total assets | 85.3126% | 3,580 |
| Equity capital to assets | 9.8180% | 4,155 |
| Core capital (leverage) ratio | 9.7102% | 4,089 |
| Tier 1 risk-based capital ratio | 12.9519% | 5,158 |
| Total risk-based capital ratio | 14.2065% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,149,392,000 | 574 |
| Average earning assets | $1,044,132,750 | 569 |
| Average equity | $116,252,000 | 617 |
| Average total loans | $824,679,750 | 504 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 2,625 |
| Cost of funding earning assets | 0.5602% | 3,309 |
| Net interest margin | 3.8255% | 2,458 |
| Noninterest income to average assets | 0.5071% | 3,784 |
| Noninterest expense to average assets | 3.1004% | 2,661 |
| Loan and lease loss provision to assets | 0.3448% | 974 |
| Net operating income to assets | 0.3607% | 5,359 |
| Return on assets (ROA) | 0.4247% | 5,283 |
| Pretax return on assets | 0.6341% | 4,900 |
| Return on Equity (ROE) | 4.1595% | 5,151 |
| Retained earnings to average equity (ytd only) | -21.1725% | 6,810 |
| Net charge-offs to loans | 0.3582% | 1,767 |
| Credit loss provision to net charge-offs | 134.7709% | 1,681 |
| Earnings coverage of net charge-offs (x) | 3.4528% | 3,383 |
| Efficiency ratio | 77.2397% | 2,584 |
| Assets per employee ($millions) | 3.3181% | 5,236 |
| Cash dividends to net income (ytd only)* | 609.0134% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 2,446 |
| Loan loss allowance to noncurrent loans | 71.6175% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 3.3798% | 1,153 |
| Noncurrent loans to loans | 2.5088% | 1,843 |
| Net loans and leases to total assets | 70.6838% | 1,766 |
| Net loans and leases to deposits | 82.3216% | 2,019 |
| Net loans and leases to core deposits | 89.2392% | 1,977 |
| Total domestic deposits to total assets | 85.8630% | 3,443 |
| Equity capital to assets | 9.3590% | 4,773 |
| Core capital (leverage) ratio | 9.3175% | 4,511 |
| Tier 1 risk-based capital ratio | 12.4116% | 5,561 |
| Total risk-based capital ratio | 13.6673% | 5,500 |
| Memoranda: | ||
| Average total assets | $1,159,984,330 | 565 |
| Average earning assets | $1,054,243,000 | 563 |
| Average equity | $118,427,000 | 608 |
| Average total loans | $828,616,670 | 500 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 2,633 |
| Cost of funding earning assets | 0.5663% | 3,414 |
| Net interest margin | 3.8006% | 2,447 |
| Noninterest income to average assets | 0.1419% | 6,394 |
| Noninterest expense to average assets | 3.1566% | 2,497 |
| Loan and lease loss provision to assets | 0.3436% | 964 |
| Net operating income to assets | 0.0735% | 6,199 |
| Return on assets (ROA) | 0.1543% | 6,126 |
| Pretax return on assets | 0.1920% | 6,096 |
| Return on Equity (ROE) | 1.4512% | 6,104 |
| Retained earnings to average equity (ytd only) | 1.4512% | 5,261 |
| Net charge-offs to loans | 0.6261% | 973 |
| Credit loss provision to net charge-offs | 77.1010% | 2,194 |
| Earnings coverage of net charge-offs (x) | 0.9753% | 3,511 |
| Efficiency ratio | 86.9320% | 1,420 |
| Assets per employee ($millions) | 3.4318% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 2,956 |
| Loan loss allowance to noncurrent loans | 75.0733% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 3.3214% | 1,318 |
| Noncurrent loans to loans | 2.2802% | 2,294 |
| Net loans and leases to total assets | 69.2730% | 1,785 |
| Net loans and leases to deposits | 80.7349% | 1,983 |
| Net loans and leases to core deposits | 87.4481% | 1,966 |
| Total domestic deposits to total assets | 85.8030% | 3,633 |
| Equity capital to assets | 10.5953% | 3,438 |
| Core capital (leverage) ratio | 10.4037% | 2,898 |
| Tier 1 risk-based capital ratio | 13.9787% | 4,521 |
| Total risk-based capital ratio | 15.2335% | 4,478 |
| Memoranda: | ||
| Average total assets | $1,164,293,000 | 566 |
| Average earning assets | $1,056,688,000 | 571 |
| Average equity | $123,762,500 | 591 |
| Average total loans | $828,565,000 | 502 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6290% | 2,884 |
| Cost of funding earning assets | 0.6227% | 4,156 |
| Net interest margin | 4.0064% | 2,369 |
| Noninterest income to average assets | 0.7816% | 2,344 |
| Noninterest expense to average assets | 3.0111% | 3,231 |
| Loan and lease loss provision to assets | 0.7662% | 649 |
| Net operating income to assets | 0.3933% | 5,130 |
| Return on assets (ROA) | 0.3947% | 5,360 |
| Pretax return on assets | 0.6502% | 4,828 |
| Return on Equity (ROE) | 3.6825% | 5,282 |
| Retained earnings to average equity (ytd only) | 0.0683% | 5,798 |
| Net charge-offs to loans | 0.9469% | 1,168 |
| Credit loss provision to net charge-offs | 113.1308% | 2,571 |
| Earnings coverage of net charge-offs (x) | 2.0881% | 4,368 |
| Efficiency ratio | 67.2496% | 4,282 |
| Assets per employee ($millions) | 3.4474% | 5,115 |
| Cash dividends to net income (ytd only)* | 98.1461% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 2,850 |
| Loan loss allowance to noncurrent loans | 76.1496% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 3.3863% | 1,357 |
| Noncurrent loans to loans | 2.2612% | 2,392 |
| Net loans and leases to total assets | 70.6155% | 1,724 |
| Net loans and leases to deposits | 82.6047% | 1,921 |
| Net loans and leases to core deposits | 89.9388% | 1,838 |
| Total domestic deposits to total assets | 85.4862% | 3,616 |
| Equity capital to assets | 10.6646% | 3,322 |
| Core capital (leverage) ratio | 10.5980% | 2,655 |
| Tier 1 risk-based capital ratio | 13.8664% | 4,479 |
| Total risk-based capital ratio | 15.1215% | 4,435 |
| Memoranda: | ||
| Average total assets | $1,161,611,600 | 568 |
| Average earning assets | $1,056,439,200 | 557 |
| Average equity | $124,506,800 | 579 |
| Average total loans | $830,834,800 | 492 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 3,026 |
| Cost of funding earning assets | 0.6291% | 4,373 |
| Net interest margin | 4.0183% | 2,430 |
| Noninterest income to average assets | 0.6311% | 3,105 |
| Noninterest expense to average assets | 3.0009% | 3,229 |
| Loan and lease loss provision to assets | 0.9068% | 485 |
| Net operating income to assets | 0.2919% | 5,638 |
| Return on assets (ROA) | 0.2942% | 5,834 |
| Pretax return on assets | 0.3879% | 5,746 |
| Return on Equity (ROE) | 2.7413% | 5,774 |
| Retained earnings to average equity (ytd only) | -0.4674% | 6,173 |
| Net charge-offs to loans | 0.7694% | 1,438 |
| Credit loss provision to net charge-offs | 164.9614% | 1,692 |
| Earnings coverage of net charge-offs (x) | 2.3498% | 4,103 |
| Efficiency ratio | 69.0884% | 3,865 |
| Assets per employee ($millions) | 3.3300% | 5,364 |
| Cash dividends to net income (ytd only)* | 117.0503% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9803% | 2,223 |
| Loan loss allowance to noncurrent loans | 75.0821% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 3.8275% | 1,282 |
| Noncurrent loans to loans | 2.6375% | 2,152 |
| Net loans and leases to total assets | 71.5036% | 1,647 |
| Net loans and leases to deposits | 84.9343% | 1,737 |
| Net loans and leases to core deposits | 93.0447% | 1,681 |
| Total domestic deposits to total assets | 84.1869% | 4,132 |
| Equity capital to assets | 10.8767% | 3,409 |
| Core capital (leverage) ratio | 10.4620% | 2,963 |
| Tier 1 risk-based capital ratio | 13.8229% | 4,678 |
| Total risk-based capital ratio | 15.0810% | 4,628 |
| Memoranda: | ||
| Average total assets | $1,161,569,250 | 570 |
| Average earning assets | $1,058,423,750 | 560 |
| Average equity | $124,658,750 | 579 |
| Average total loans | $829,850,500 | 494 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 3,194 |
| Cost of funding earning assets | 0.6204% | 4,715 |
| Net interest margin | 4.0177% | 2,426 |
| Noninterest income to average assets | 0.6543% | 2,931 |
| Noninterest expense to average assets | 2.9841% | 3,322 |
| Loan and lease loss provision to assets | 0.5476% | 1,126 |
| Net operating income to assets | 0.5416% | 4,620 |
| Return on assets (ROA) | 0.5416% | 4,901 |
| Pretax return on assets | 0.7907% | 4,504 |
| Return on Equity (ROE) | 5.0688% | 4,779 |
| Retained earnings to average equity (ytd only) | 2.6673% | 4,848 |
| Net charge-offs to loans | 0.4089% | 2,390 |
| Credit loss provision to net charge-offs | 188.7382% | 1,501 |
| Earnings coverage of net charge-offs (x) | 4.6126% | 3,034 |
| Efficiency ratio | 68.2234% | 4,080 |
| Assets per employee ($millions) | 3.4769% | 5,033 |
| Cash dividends to net income (ytd only)* | 47.3784% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,905 |
| Loan loss allowance to noncurrent loans | 54.3969% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 3.9555% | 1,306 |
| Noncurrent loans to loans | 3.2816% | 1,777 |
| Net loans and leases to total assets | 69.9192% | 1,937 |
| Net loans and leases to deposits | 82.8223% | 2,003 |
| Net loans and leases to core deposits | 91.0749% | 1,867 |
| Total domestic deposits to total assets | 84.4207% | 4,128 |
| Equity capital to assets | 10.7575% | 3,383 |
| Core capital (leverage) ratio | 10.4826% | 2,825 |
| Tier 1 risk-based capital ratio | 14.0330% | 4,430 |
| Total risk-based capital ratio | 15.2887% | 4,385 |
| Memoranda: | ||
| Average total assets | $1,169,142,330 | 566 |
| Average earning assets | $1,067,377,000 | 560 |
| Average equity | $124,922,000 | 575 |
| Average total loans | $829,543,670 | 495 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 3,189 |
| Cost of funding earning assets | 0.5670% | 5,381 |
| Net interest margin | 4.0988% | 2,091 |
| Noninterest income to average assets | 0.6084% | 3,179 |
| Noninterest expense to average assets | 2.9214% | 3,535 |
| Loan and lease loss provision to assets | 0.5814% | 991 |
| Net operating income to assets | 0.5899% | 4,393 |
| Return on assets (ROA) | 0.5899% | 4,610 |
| Pretax return on assets | 0.8509% | 4,225 |
| Return on Equity (ROE) | 5.5401% | 4,530 |
| Retained earnings to average equity (ytd only) | 5.5401% | 3,234 |
| Net charge-offs to loans | 0.4196% | 2,045 |
| Credit loss provision to net charge-offs | 195.6272% | 1,364 |
| Earnings coverage of net charge-offs (x) | 4.8193% | 2,497 |
| Efficiency ratio | 66.2844% | 4,507 |
| Assets per employee ($millions) | 3.5540% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 3,294 |
| Loan loss allowance to noncurrent loans | 47.3901% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 3.9624% | 1,400 |
| Noncurrent loans to loans | 3.6145% | 1,720 |
| Net loans and leases to total assets | 68.5057% | 2,021 |
| Net loans and leases to deposits | 80.8328% | 2,079 |
| Net loans and leases to core deposits | 88.2150% | 2,025 |
| Total domestic deposits to total assets | 84.7499% | 4,143 |
| Equity capital to assets | 10.5810% | 3,397 |
| Core capital (leverage) ratio | 10.4194% | 2,847 |
| Tier 1 risk-based capital ratio | 14.0713% | 4,419 |
| Total risk-based capital ratio | 15.3261% | 4,384 |
| Memoranda: | ||
| Average total assets | $1,169,592,500 | 568 |
| Average earning assets | $1,068,697,500 | 561 |
| Average equity | $124,546,000 | 577 |
| Average total loans | $828,480,000 | 494 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9977% | 2,893 |
| Cost of funding earning assets | 0.9077% | 4,066 |
| Net interest margin | 4.0900% | 2,467 |
| Noninterest income to average assets | 0.6688% | 2,789 |
| Noninterest expense to average assets | 2.7997% | 4,345 |
| Loan and lease loss provision to assets | 0.9850% | 967 |
| Net operating income to assets | 0.4508% | 4,637 |
| Return on assets (ROA) | 0.4508% | 4,847 |
| Pretax return on assets | 0.6218% | 4,625 |
| Return on Equity (ROE) | 4.2699% | 4,731 |
| Retained earnings to average equity (ytd only) | 0.2218% | 5,726 |
| Net charge-offs to loans | 1.4388% | 1,132 |
| Credit loss provision to net charge-offs | 93.8431% | 3,839 |
| Earnings coverage of net charge-offs (x) | 1.5308% | 4,630 |
| Efficiency ratio | 62.6918% | 5,354 |
| Assets per employee ($millions) | 3.5020% | 5,008 |
| Cash dividends to net income (ytd only)* | 94.8047% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 3,554 |
| Loan loss allowance to noncurrent loans | 40.2638% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 4.0007% | 1,434 |
| Noncurrent loans to loans | 3.9939% | 1,563 |
| Net loans and leases to total assets | 70.8467% | 1,858 |
| Net loans and leases to deposits | 83.9927% | 1,923 |
| Net loans and leases to core deposits | 92.1310% | 1,873 |
| Total domestic deposits to total assets | 84.3486% | 4,167 |
| Equity capital to assets | 10.7184% | 3,288 |
| Core capital (leverage) ratio | 10.4491% | 2,790 |
| Tier 1 risk-based capital ratio | 13.7419% | 4,526 |
| Total risk-based capital ratio | 14.9954% | 4,484 |
| Memoranda: | ||
| Average total assets | $1,169,823,200 | 557 |
| Average earning assets | $1,069,077,200 | 547 |
| Average equity | $123,515,800 | 557 |
| Average total loans | $853,442,000 | 492 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0387% | 2,895 |
| Cost of funding earning assets | 0.9548% | 4,002 |
| Net interest margin | 4.0839% | 2,534 |
| Noninterest income to average assets | 0.6562% | 2,847 |
| Noninterest expense to average assets | 2.7778% | 4,425 |
| Loan and lease loss provision to assets | 0.6407% | 1,533 |
| Net operating income to assets | 0.6478% | 3,882 |
| Return on assets (ROA) | 0.6478% | 4,060 |
| Pretax return on assets | 0.9721% | 3,513 |
| Return on Equity (ROE) | 6.1580% | 3,947 |
| Retained earnings to average equity (ytd only) | 2.9198% | 4,609 |
| Net charge-offs to loans | 1.1664% | 1,350 |
| Credit loss provision to net charge-offs | 75.0599% | 4,313 |
| Earnings coverage of net charge-offs (x) | 1.8893% | 4,248 |
| Efficiency ratio | 62.4108% | 5,348 |
| Assets per employee ($millions) | 3.5555% | 4,868 |
| Cash dividends to net income (ytd only)* | 52.5854% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 4,284 |
| Loan loss allowance to noncurrent loans | 36.4216% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 4.2121% | 1,450 |
| Noncurrent loans to loans | 4.0115% | 1,649 |
| Net loans and leases to total assets | 71.5541% | 1,808 |
| Net loans and leases to deposits | 85.2120% | 1,802 |
| Net loans and leases to core deposits | 92.8691% | 1,898 |
| Total domestic deposits to total assets | 83.9719% | 4,241 |
| Equity capital to assets | 10.9537% | 3,192 |
| Core capital (leverage) ratio | 10.5576% | 2,800 |
| Tier 1 risk-based capital ratio | 13.8536% | 4,452 |
| Total risk-based capital ratio | 15.1053% | 4,413 |
| Memoranda: | ||
| Average total assets | $1,174,239,000 | 559 |
| Average earning assets | $1,073,742,750 | 554 |
| Average equity | $123,521,500 | 564 |
| Average total loans | $859,400,500 | 491 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 3,002 |
| Cost of funding earning assets | 0.9976% | 3,965 |
| Net interest margin | 4.0344% | 2,680 |
| Noninterest income to average assets | 0.5990% | 3,153 |
| Noninterest expense to average assets | 2.7707% | 4,541 |
| Loan and lease loss provision to assets | 0.6149% | 1,558 |
| Net operating income to assets | 0.6064% | 4,037 |
| Return on assets (ROA) | 0.6064% | 4,166 |
| Pretax return on assets | 0.9050% | 3,598 |
| Return on Equity (ROE) | 5.8434% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.3971% | 4,101 |
| Net charge-offs to loans | 1.0000% | 1,574 |
| Credit loss provision to net charge-offs | 83.8062% | 3,651 |
| Earnings coverage of net charge-offs (x) | 2.0715% | 3,820 |
| Efficiency ratio | 63.6805% | 5,304 |
| Assets per employee ($millions) | 3.5646% | 4,776 |
| Cash dividends to net income (ytd only)* | 41.8644% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 3,839 |
| Loan loss allowance to noncurrent loans | 36.9711% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 4.1508% | 1,534 |
| Noncurrent loans to loans | 4.2356% | 1,604 |
| Net loans and leases to total assets | 71.5778% | 1,866 |
| Net loans and leases to deposits | 86.4004% | 1,732 |
| Net loans and leases to core deposits | 94.1644% | 1,879 |
| Total domestic deposits to total assets | 82.8443% | 4,828 |
| Equity capital to assets | 10.5890% | 3,391 |
| Core capital (leverage) ratio | 10.3106% | 2,921 |
| Tier 1 risk-based capital ratio | 13.4697% | 4,551 |
| Total risk-based capital ratio | 14.7226% | 4,529 |
| Memoranda: | ||
| Average total assets | $1,181,654,670 | 566 |
| Average earning assets | $1,081,242,330 | 553 |
| Average equity | $122,633,330 | 571 |
| Average total loans | $867,027,670 | 492 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0151% | 3,035 |
| Cost of funding earning assets | 1.0420% | 3,910 |
| Net interest margin | 3.9731% | 2,812 |
| Noninterest income to average assets | 0.6309% | 2,958 |
| Noninterest expense to average assets | 2.8817% | 4,142 |
| Loan and lease loss provision to assets | 0.5911% | 1,455 |
| Net operating income to assets | 0.5363% | 4,325 |
| Return on assets (ROA) | 0.5363% | 4,408 |
| Pretax return on assets | 0.7900% | 3,935 |
| Return on Equity (ROE) | 5.2207% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.2207% | 3,050 |
| Net charge-offs to loans | 1.7932% | 726 |
| Credit loss provision to net charge-offs | 44.7227% | 3,855 |
| Earnings coverage of net charge-offs (x) | 1.0450% | 3,879 |
| Efficiency ratio | 66.6667% | 4,911 |
| Assets per employee ($millions) | 3.5843% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 4,736 |
| Loan loss allowance to noncurrent loans | 34.7232% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 3.8979% | 1,714 |
| Noncurrent loans to loans | 3.9921% | 1,820 |
| Net loans and leases to total assets | 71.5603% | 1,800 |
| Net loans and leases to deposits | 86.7653% | 1,609 |
| Net loans and leases to core deposits | 93.2289% | 1,982 |
| Total domestic deposits to total assets | 82.4758% | 5,119 |
| Equity capital to assets | 10.3251% | 3,383 |
| Core capital (leverage) ratio | 10.1551% | 2,969 |
| Tier 1 risk-based capital ratio | 13.2774% | 4,597 |
| Total risk-based capital ratio | 14.5283% | 4,572 |
| Memoranda: | ||
| Average total assets | $1,184,316,000 | 567 |
| Average earning assets | $1,082,573,500 | 557 |
| Average equity | $121,669,000 | 572 |
| Average total loans | $872,847,500 | 505 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2609% | 3,311 |
| Cost of funding earning assets | 1.2895% | 3,953 |
| Net interest margin | 3.9715% | 3,139 |
| Noninterest income to average assets | 0.2780% | 5,791 |
| Noninterest expense to average assets | 2.7517% | 4,778 |
| Loan and lease loss provision to assets | 1.2590% | 1,236 |
| Net operating income to assets | 0.0187% | 5,777 |
| Return on assets (ROA) | 0.0187% | 5,913 |
| Pretax return on assets | -0.0761% | 5,980 |
| Return on Equity (ROE) | 0.1792% | 5,910 |
| Retained earnings to average equity (ytd only) | -3.1518% | 6,110 |
| Net charge-offs to loans | 1.6564% | 1,313 |
| Credit loss provision to net charge-offs | 98.5083% | 4,697 |
| Earnings coverage of net charge-offs (x) | 0.9255% | 5,183 |
| Efficiency ratio | 68.8327% | 4,396 |
| Assets per employee ($millions) | 3.5609% | 4,800 |
| Cash dividends to net income (ytd only)* | 1,858.4071% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 3,600 |
| Loan loss allowance to noncurrent loans | 38.1981% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 4.0159% | 1,693 |
| Noncurrent loans to loans | 4.1712% | 1,738 |
| Net loans and leases to total assets | 73.6465% | 1,738 |
| Net loans and leases to deposits | 90.6522% | 1,443 |
| Net loans and leases to core deposits | 97.5002% | 1,841 |
| Total domestic deposits to total assets | 81.2407% | 5,438 |
| Equity capital to assets | 10.2214% | 3,472 |
| Core capital (leverage) ratio | 9.9905% | 3,107 |
| Tier 1 risk-based capital ratio | 12.9263% | 4,656 |
| Total risk-based capital ratio | 14.1798% | 4,629 |
| Memoranda: | ||
| Average total assets | $1,211,690,400 | 555 |
| Average earning assets | $1,115,636,200 | 543 |
| Average equity | $126,087,800 | 539 |
| Average total loans | $934,919,400 | 478 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 3,437 |
| Cost of funding earning assets | 1.3321% | 4,027 |
| Net interest margin | 3.9508% | 3,322 |
| Noninterest income to average assets | 0.6842% | 2,915 |
| Noninterest expense to average assets | 2.6848% | 4,947 |
| Loan and lease loss provision to assets | 0.7771% | 1,963 |
| Net operating income to assets | 0.5898% | 3,922 |
| Return on assets (ROA) | 0.5898% | 4,085 |
| Pretax return on assets | 0.8673% | 3,674 |
| Return on Equity (ROE) | 5.6440% | 3,985 |
| Retained earnings to average equity (ytd only) | 2.8184% | 4,452 |
| Net charge-offs to loans | 1.1185% | 1,822 |
| Credit loss provision to net charge-offs | 89.3936% | 4,793 |
| Earnings coverage of net charge-offs (x) | 1.8917% | 4,288 |
| Efficiency ratio | 60.9833% | 5,798 |
| Assets per employee ($millions) | 3.5835% | 4,770 |
| Cash dividends to net income (ytd only)* | 50.0649% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 4,127 |
| Loan loss allowance to noncurrent loans | 36.7747% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 3.5746% | 1,991 |
| Noncurrent loans to loans | 3.9852% | 1,883 |
| Net loans and leases to total assets | 75.7572% | 1,453 |
| Net loans and leases to deposits | 94.0908% | 1,192 |
| Net loans and leases to core deposits | 101.2960% | 1,721 |
| Total domestic deposits to total assets | 80.5150% | 5,538 |
| Equity capital to assets | 10.8023% | 3,165 |
| Core capital (leverage) ratio | 10.4232% | 2,778 |
| Tier 1 risk-based capital ratio | 13.3910% | 4,282 |
| Total risk-based capital ratio | 14.6433% | 4,244 |
| Memoranda: | ||
| Average total assets | $1,219,058,500 | 547 |
| Average earning assets | $1,124,713,250 | 533 |
| Average equity | $127,400,000 | 524 |
| Average total loans | $947,459,500 | 473 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2985% | 3,478 |
| Cost of funding earning assets | 1.3776% | 4,018 |
| Net interest margin | 3.9210% | 3,347 |
| Noninterest income to average assets | 0.6494% | 3,018 |
| Noninterest expense to average assets | 2.7052% | 4,883 |
| Loan and lease loss provision to assets | 0.7591% | 1,892 |
| Net operating income to assets | 0.5440% | 4,122 |
| Return on assets (ROA) | 0.5440% | 4,270 |
| Pretax return on assets | 0.7994% | 3,884 |
| Return on Equity (ROE) | 5.2631% | 4,146 |
| Retained earnings to average equity (ytd only) | 3.3699% | 3,962 |
| Net charge-offs to loans | 1.5096% | 1,269 |
| Credit loss provision to net charge-offs | 64.4737% | 5,112 |
| Earnings coverage of net charge-offs (x) | 1.3237% | 4,504 |
| Efficiency ratio | 62.3346% | 5,636 |
| Assets per employee ($millions) | 3.5783% | 4,739 |
| Cash dividends to net income (ytd only)* | 35.9712% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 5,115 |
| Loan loss allowance to noncurrent loans | 35.9009% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 3.4697% | 2,028 |
| Noncurrent loans to loans | 3.5186% | 2,245 |
| Net loans and leases to total assets | 75.3580% | 1,615 |
| Net loans and leases to deposits | 93.4667% | 1,343 |
| Net loans and leases to core deposits | 99.7550% | 2,047 |
| Total domestic deposits to total assets | 80.6254% | 5,531 |
| Equity capital to assets | 10.5297% | 3,374 |
| Core capital (leverage) ratio | 10.1719% | 2,972 |
| Tier 1 risk-based capital ratio | 13.0913% | 4,367 |
| Total risk-based capital ratio | 14.3262% | 4,333 |
| Memoranda: | ||
| Average total assets | $1,226,452,330 | 544 |
| Average earning assets | $1,130,541,330 | 531 |
| Average equity | $126,770,000 | 520 |
| Average total loans | $956,543,670 | 469 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2460% | 3,800 |
| Cost of funding earning assets | 1.4421% | 3,925 |
| Net interest margin | 3.8039% | 3,779 |
| Noninterest income to average assets | 0.6311% | 3,073 |
| Noninterest expense to average assets | 2.7083% | 4,868 |
| Loan and lease loss provision to assets | 0.8149% | 1,550 |
| Net operating income to assets | 0.4307% | 4,708 |
| Return on assets (ROA) | 0.4307% | 4,842 |
| Pretax return on assets | 0.6126% | 4,561 |
| Return on Equity (ROE) | 4.2061% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.2061% | 3,624 |
| Net charge-offs to loans | 1.0912% | 1,531 |
| Credit loss provision to net charge-offs | 94.7428% | 3,551 |
| Earnings coverage of net charge-offs (x) | 1.6596% | 3,739 |
| Efficiency ratio | 64.2964% | 5,436 |
| Assets per employee ($millions) | 3.7058% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 4,030 |
| Loan loss allowance to noncurrent loans | 34.7717% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 3.9035% | 1,769 |
| Noncurrent loans to loans | 4.2484% | 1,802 |
| Net loans and leases to total assets | 76.2323% | 1,492 |
| Net loans and leases to deposits | 94.3442% | 1,310 |
| Net loans and leases to core deposits | 100.6786% | 2,063 |
| Total domestic deposits to total assets | 80.8024% | 5,518 |
| Equity capital to assets | 10.1996% | 3,608 |
| Core capital (leverage) ratio | 10.0140% | 3,150 |
| Tier 1 risk-based capital ratio | 12.6966% | 4,565 |
| Total risk-based capital ratio | 13.9492% | 4,525 |
| Memoranda: | ||
| Average total assets | $1,229,575,000 | 560 |
| Average earning assets | $1,132,829,000 | 547 |
| Average equity | $125,913,000 | 530 |
| Average total loans | $969,172,000 | 483 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5430% | 3,909 |
| Cost of funding earning assets | 1.8055% | 3,964 |
| Net interest margin | 3.7375% | 3,962 |
| Noninterest income to average assets | 0.8485% | 2,187 |
| Noninterest expense to average assets | 2.6906% | 5,433 |
| Loan and lease loss provision to assets | 0.6608% | 3,167 |
| Net operating income to assets | 0.6513% | 3,132 |
| Return on assets (ROA) | 0.6850% | 3,056 |
| Pretax return on assets | 0.9992% | 2,595 |
| Return on Equity (ROE) | 6.9914% | 2,791 |
| Retained earnings to average equity (ytd only) | 6.9914% | 961 |
| Net charge-offs to loans | 0.6275% | 3,324 |
| Credit loss provision to net charge-offs | 131.7481% | 3,828 |
| Earnings coverage of net charge-offs (x) | 3.2124% | 3,447 |
| Efficiency ratio | 61.3735% | 6,268 |
| Assets per employee ($millions) | 3.5920% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 3,907 |
| Loan loss allowance to noncurrent loans | 70.5515% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 2.0898% | 3,287 |
| Noncurrent loans to loans | 2.0772% | 3,554 |
| Net loans and leases to total assets | 79.1196% | 1,158 |
| Net loans and leases to deposits | 99.1545% | 980 |
| Net loans and leases to core deposits | 117.3835% | 2,192 |
| Total domestic deposits to total assets | 79.7942% | 5,732 |
| Equity capital to assets | 10.2819% | 3,419 |
| Core capital (leverage) ratio | 10.0355% | 3,052 |
| Tier 1 risk-based capital ratio | 12.3631% | 4,628 |
| Total risk-based capital ratio | 13.6155% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,240,952,000 | 543 |
| Average earning assets | $1,146,596,200 | 528 |
| Average equity | $121,591,400 | 544 |
| Average total loans | $991,852,600 | 479 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5252% | 4,298 |
| Cost of funding earning assets | 1.8805% | 3,984 |
| Net interest margin | 3.6447% | 4,302 |
| Noninterest income to average assets | 0.8589% | 2,159 |
| Noninterest expense to average assets | 2.6750% | 5,433 |
| Loan and lease loss provision to assets | 0.4545% | 3,643 |
| Net operating income to assets | 0.7394% | 3,064 |
| Return on assets (ROA) | 0.7394% | 3,129 |
| Pretax return on assets | 1.1015% | 2,560 |
| Return on Equity (ROE) | 7.6382% | 2,802 |
| Retained earnings to average equity (ytd only) | 7.6382% | 1,250 |
| Net charge-offs to loans | 0.4210% | 3,579 |
| Credit loss provision to net charge-offs | 135.2211% | 3,669 |
| Earnings coverage of net charge-offs (x) | 4.6293% | 3,068 |
| Efficiency ratio | 62.0210% | 6,096 |
| Assets per employee ($millions) | 3.6334% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,091 |
| Loan loss allowance to noncurrent loans | 50.8847% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 2.8411% | 2,451 |
| Noncurrent loans to loans | 2.7005% | 2,809 |
| Net loans and leases to total assets | 79.1274% | 1,362 |
| Net loans and leases to deposits | 97.9914% | 1,331 |
| Net loans and leases to core deposits | 116.4004% | 2,582 |
| Total domestic deposits to total assets | 80.7494% | 5,177 |
| Equity capital to assets | 10.2244% | 3,820 |
| Core capital (leverage) ratio | 9.7879% | 3,532 |
| Tier 1 risk-based capital ratio | 12.2036% | 4,787 |
| Total risk-based capital ratio | 13.4550% | 4,732 |
| Memoranda: | ||
| Average total assets | $1,246,765,000 | 551 |
| Average earning assets | $1,153,488,500 | 541 |
| Average equity | $120,688,500 | 558 |
| Average total loans | $995,373,750 | 494 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5088% | 4,574 |
| Cost of funding earning assets | 1.9522% | 3,991 |
| Net interest margin | 3.5567% | 4,548 |
| Noninterest income to average assets | 0.8623% | 2,138 |
| Noninterest expense to average assets | 2.6688% | 5,493 |
| Loan and lease loss provision to assets | 0.4779% | 3,133 |
| Net operating income to assets | 0.6704% | 3,381 |
| Return on assets (ROA) | 0.6704% | 3,496 |
| Pretax return on assets | 1.0059% | 2,987 |
| Return on Equity (ROE) | 7.0538% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.0538% | 1,562 |
| Net charge-offs to loans | 0.4227% | 3,111 |
| Credit loss provision to net charge-offs | 141.8440% | 3,282 |
| Earnings coverage of net charge-offs (x) | 4.4038% | 3,104 |
| Efficiency ratio | 63.0208% | 6,084 |
| Assets per employee ($millions) | 3.5569% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 4,101 |
| Loan loss allowance to noncurrent loans | 61.7311% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.0683% | 3,102 |
| Noncurrent loans to loans | 2.1531% | 3,306 |
| Net loans and leases to total assets | 79.3893% | 1,435 |
| Net loans and leases to deposits | 98.0875% | 1,506 |
| Net loans and leases to core deposits | 117.8092% | 2,556 |
| Total domestic deposits to total assets | 80.9372% | 5,102 |
| Equity capital to assets | 9.8001% | 4,216 |
| Core capital (leverage) ratio | 9.4340% | 3,985 |
| Tier 1 risk-based capital ratio | 11.7626% | 5,136 |
| Total risk-based capital ratio | 13.0135% | 5,054 |
| Memoranda: | ||
| Average total assets | $1,255,415,670 | 561 |
| Average earning assets | $1,161,370,000 | 554 |
| Average equity | $119,311,000 | 572 |
| Average total loans | $1,000,679,330 | 509 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4720% | 5,056 |
| Cost of funding earning assets | 2.0055% | 4,098 |
| Net interest margin | 3.4666% | 4,864 |
| Noninterest income to average assets | 0.8745% | 1,962 |
| Noninterest expense to average assets | 2.5774% | 5,540 |
| Loan and lease loss provision to assets | 0.5537% | 2,263 |
| Net operating income to assets | 0.6413% | 3,832 |
| Return on assets (ROA) | 0.6413% | 4,014 |
| Pretax return on assets | 0.9533% | 3,522 |
| Return on Equity (ROE) | 6.8530% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.8530% | 2,262 |
| Net charge-offs to loans | 0.5013% | 2,210 |
| Credit loss provision to net charge-offs | 139.2204% | 2,923 |
| Earnings coverage of net charge-offs (x) | 3.7892% | 3,066 |
| Efficiency ratio | 61.7941% | 6,095 |
| Assets per employee ($millions) | 3.7557% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 4,172 |
| Loan loss allowance to noncurrent loans | 58.5007% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.0756% | 2,780 |
| Noncurrent loans to loans | 2.1939% | 2,985 |
| Net loans and leases to total assets | 78.5244% | 1,689 |
| Net loans and leases to deposits | 96.7039% | 1,837 |
| Net loans and leases to core deposits | 115.1139% | 2,898 |
| Total domestic deposits to total assets | 81.2009% | 4,890 |
| Equity capital to assets | 9.4802% | 4,695 |
| Core capital (leverage) ratio | 9.2339% | 4,358 |
| Tier 1 risk-based capital ratio | 11.4824% | 5,433 |
| Total risk-based capital ratio | 12.7327% | 5,329 |
| Memoranda: | ||
| Average total assets | $1,264,218,500 | 558 |
| Average earning assets | $1,170,610,000 | 552 |
| Average equity | $118,313,000 | 572 |
| Average total loans | $1,003,056,000 | 510 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2494% | 4,246 |
| Cost of funding earning assets | 2.5716% | 3,839 |
| Net interest margin | 3.6778% | 4,564 |
| Noninterest income to average assets | 0.7343% | 2,878 |
| Noninterest expense to average assets | 5.7989% | 442 |
| Loan and lease loss provision to assets | 0.6344% | 2,290 |
| Net operating income to assets | -2.0813% | 7,618 |
| Return on assets (ROA) | -2.0811% | 7,582 |
| Pretax return on assets | -2.4071% | 7,566 |
| Return on Equity (ROE) | -18.0169% | 7,714 |
| Retained earnings to average equity (ytd only) | -23.5809% | 7,777 |
| Net charge-offs to loans | 0.5016% | 2,357 |
| Credit loss provision to net charge-offs | 163.6006% | 3,151 |
| Earnings coverage of net charge-offs (x) | -4.5718% | 6,821 |
| Efficiency ratio | 62.3219% | 5,893 |
| Assets per employee ($millions) | 3.7806% | 3,998 |
| Cash dividends to net income (ytd only)* | -30.8821% | 8,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 4,325 |
| Loan loss allowance to noncurrent loans | 71.3082% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.7189% | 2,830 |
| Noncurrent loans to loans | 1.7231% | 3,179 |
| Net loans and leases to total assets | 78.1682% | 2,096 |
| Net loans and leases to deposits | 100.4855% | 1,789 |
| Net loans and leases to core deposits | 117.4616% | 2,952 |
| Total domestic deposits to total assets | 77.7905% | 5,778 |
| Equity capital to assets | 9.2382% | 5,020 |
| Core capital (leverage) ratio | 8.8181% | 5,012 |
| Tier 1 risk-based capital ratio | 11.1335% | 5,613 |
| Total risk-based capital ratio | 12.3488% | 5,524 |
| Memoranda: | ||
| Average total assets | $1,244,758,200 | 544 |
| Average earning assets | $1,114,096,400 | 552 |
| Average equity | $143,781,600 | 484 |
| Average total loans | $962,272,000 | 508 |