Home > Merchants Bank > Performance and Condition Ratios
Merchants 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 | 5.0463% | 1,980 |
| Cost of funding earning assets | 1.2381% | 2,700 |
| Net interest margin | 3.8082% | 1,554 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.8291% | 1,433 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1262% | 1,835 |
| Return on assets (ROA) | 1.1220% | 1,826 |
| Pretax return on assets | 1.5058% | 1,400 |
| Return on Equity (ROE) | 9.7900% | 2,556 |
| Retained earnings to average equity (ytd only) | 3.0429% | 3,262 |
| Net charge-offs to loans | 0.0283% | 1,741 |
| Credit loss provision to net charge-offs | 311.5183% | 928 |
| Earnings coverage of net charge-offs (x) | 69.2635% | 1,100 |
| Efficiency ratio | 63.9451% | 2,614 |
| Assets per employee ($millions) | 6.6502% | 2,302 |
| Cash dividends to net income (ytd only)* | 68.9073% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,510 |
| Loan loss allowance to noncurrent loans | 261.2735% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 1,365 |
| Noncurrent loans to loans | 0.4431% | 1,671 |
| Net loans and leases to total assets | 82.1800% | 412 |
| Net loans and leases to deposits | 98.1957% | 639 |
| Net loans and leases to core deposits | 102.9229% | 1,284 |
| Total domestic deposits to total assets | 83.6900% | 2,709 |
| Equity capital to assets | 11.2167% | 1,398 |
| Core capital (leverage) ratio | 11.1578% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4971% | 2,413 |
| Memoranda: | ||
| Average total assets | $2,535,115,600 | 460 |
| Average earning assets | $2,317,250,400 | 460 |
| Average equity | $290,646,600 | 406 |
| Average total loans | $2,022,187,600 | 399 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 1,913 |
| Cost of funding earning assets | 1.0741% | 2,819 |
| Net interest margin | 3.8881% | 1,425 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.7592% | 1,524 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.1935% | 1,817 |
| Return on assets (ROA) | 1.1879% | 1,813 |
| Pretax return on assets | 1.6014% | 1,355 |
| Return on Equity (ROE) | 10.3000% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.6510% | 1,779 |
| Net charge-offs to loans | 0.0224% | 1,643 |
| Credit loss provision to net charge-offs | 374.8503% | 753 |
| Earnings coverage of net charge-offs (x) | 95.5629% | 939 |
| Efficiency ratio | 61.5706% | 2,773 |
| Assets per employee ($millions) | 6.3559% | 2,450 |
| Cash dividends to net income (ytd only)* | 16.0414% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 2,431 |
| Loan loss allowance to noncurrent loans | 459.4354% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 2,028 |
| Noncurrent loans to loans | 0.2583% | 2,310 |
| Net loans and leases to total assets | 81.8200% | 452 |
| Net loans and leases to deposits | 95.7527% | 771 |
| Net loans and leases to core deposits | 99.7672% | 1,325 |
| Total domestic deposits to total assets | 85.4500% | 2,369 |
| Equity capital to assets | 11.8448% | 1,080 |
| Core capital (leverage) ratio | 11.6198% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0589% | 2,249 |
| Memoranda: | ||
| Average total assets | $2,518,834,750 | 463 |
| Average earning assets | $2,301,017,500 | 463 |
| Average equity | $290,393,000 | 408 |
| Average total loans | $1,987,272,250 | 403 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 1,866 |
| Cost of funding earning assets | 0.9342% | 2,819 |
| Net interest margin | 3.9229% | 1,381 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 2.7304% | 1,578 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2303% | 1,749 |
| Return on assets (ROA) | 1.2219% | 1,762 |
| Pretax return on assets | 1.6633% | 1,289 |
| Return on Equity (ROE) | 10.7000% | 2,504 |
| Retained earnings to average equity (ytd only) | 9.2372% | 1,619 |
| Net charge-offs to loans | 0.0216% | 1,455 |
| Credit loss provision to net charge-offs | 138.3886% | 1,247 |
| Earnings coverage of net charge-offs (x) | 102.2464% | 923 |
| Efficiency ratio | 60.9773% | 2,848 |
| Assets per employee ($millions) | 6.3074% | 2,465 |
| Cash dividends to net income (ytd only)* | 13.6426% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,537 |
| Loan loss allowance to noncurrent loans | 370.9873% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 1,749 |
| Noncurrent loans to loans | 0.3184% | 2,002 |
| Net loans and leases to total assets | 81.0600% | 510 |
| Net loans and leases to deposits | 95.2394% | 774 |
| Net loans and leases to core deposits | 98.5301% | 1,315 |
| Total domestic deposits to total assets | 85.1100% | 2,514 |
| Equity capital to assets | 11.8851% | 1,078 |
| Core capital (leverage) ratio | 11.3365% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0126% | 2,292 |
| Memoranda: | ||
| Average total assets | $2,519,466,333 | 448 |
| Average earning assets | $2,303,802,333 | 452 |
| Average equity | $287,815,000 | 398 |
| Average total loans | $1,954,973,000 | 394 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7117% | 1,816 |
| Cost of funding earning assets | 0.7441% | 2,909 |
| Net interest margin | 3.9675% | 1,332 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 2.5536% | 2,100 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.2907% | 1,697 |
| Return on assets (ROA) | 1.2600% | 1,742 |
| Pretax return on assets | 1.7207% | 1,235 |
| Return on Equity (ROE) | 11.2500% | 2,425 |
| Retained earnings to average equity (ytd only) | 11.2495% | 1,415 |
| Net charge-offs to loans | 0.0579% | 793 |
| Credit loss provision to net charge-offs | 168.3453% | 904 |
| Earnings coverage of net charge-offs (x) | 43.8058% | 1,147 |
| Efficiency ratio | 56.6756% | 3,333 |
| Assets per employee ($millions) | 6.2891% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,414 |
| Loan loss allowance to noncurrent loans | 311.3071% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 1,505 |
| Noncurrent loans to loans | 0.3940% | 1,746 |
| Net loans and leases to total assets | 76.8600% | 887 |
| Net loans and leases to deposits | 88.4923% | 1,169 |
| Net loans and leases to core deposits | 90.9163% | 1,569 |
| Total domestic deposits to total assets | 86.8500% | 2,319 |
| Equity capital to assets | 11.4921% | 1,157 |
| Core capital (leverage) ratio | 10.9085% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1714% | 2,321 |
| Memoranda: | ||
| Average total assets | $2,546,101,500 | 454 |
| Average earning assets | $2,333,957,500 | 453 |
| Average equity | $285,168,000 | 408 |
| Average total loans | $1,920,950,000 | 408 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 2,012 |
| Cost of funding earning assets | 0.2555% | 3,277 |
| Net interest margin | 3.6325% | 1,547 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.5741% | 1,893 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 1.2240% | 1,687 |
| Return on assets (ROA) | 1.2240% | 1,638 |
| Pretax return on assets | 1.6529% | 1,030 |
| Return on Equity (ROE) | 12.0000% | 2,135 |
| Retained earnings to average equity (ytd only) | 8.5421% | 1,624 |
| Net charge-offs to loans | 0.0153% | 1,816 |
| Credit loss provision to net charge-offs | -862.1212% | 4,659 |
| Earnings coverage of net charge-offs (x) | 160.0947% | 757 |
| Efficiency ratio | 61.5139% | 2,836 |
| Assets per employee ($millions) | 6.3462% | 2,471 |
| Cash dividends to net income (ytd only)* | 28.8322% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,546 |
| Loan loss allowance to noncurrent loans | 306.2397% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 1,414 |
| Noncurrent loans to loans | 0.4525% | 1,578 |
| Net loans and leases to total assets | 72.1200% | 1,402 |
| Net loans and leases to deposits | 82.2248% | 1,600 |
| Net loans and leases to core deposits | 84.0358% | 1,877 |
| Total domestic deposits to total assets | 87.7100% | 2,175 |
| Equity capital to assets | 10.9152% | 1,293 |
| Core capital (leverage) ratio | 10.0504% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1955% | 2,289 |
| Memoranda: | ||
| Average total assets | $2,694,694,800 | 426 |
| Average earning assets | $2,492,664,400 | 420 |
| Average equity | $274,802,600 | 410 |
| Average total loans | $1,726,113,800 | 425 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 2,218 |
| Cost of funding earning assets | 0.1962% | 3,324 |
| Net interest margin | 3.4452% | 1,821 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.4370% | 2,200 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.1699% | 1,816 |
| Return on assets (ROA) | 1.1699% | 1,791 |
| Pretax return on assets | 1.5969% | 1,126 |
| Return on Equity (ROE) | 11.6700% | 2,147 |
| Retained earnings to average equity (ytd only) | 8.4890% | 1,822 |
| Net charge-offs to loans | 0.0130% | 1,635 |
| Credit loss provision to net charge-offs | -1,150.0000% | 4,721 |
| Earnings coverage of net charge-offs (x) | 187.4512% | 644 |
| Efficiency ratio | 61.1535% | 2,947 |
| Assets per employee ($millions) | 6.4879% | 2,327 |
| Cash dividends to net income (ytd only)* | 27.2339% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 1,363 |
| Loan loss allowance to noncurrent loans | 247.6492% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 1,221 |
| Noncurrent loans to loans | 0.5967% | 1,352 |
| Net loans and leases to total assets | 67.9900% | 1,679 |
| Net loans and leases to deposits | 77.0142% | 1,797 |
| Net loans and leases to core deposits | 78.5434% | 2,002 |
| Total domestic deposits to total assets | 88.2800% | 2,336 |
| Equity capital to assets | 10.5576% | 1,347 |
| Core capital (leverage) ratio | 9.7223% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4420% | 2,293 |
| Memoranda: | ||
| Average total assets | $2,724,225,000 | 422 |
| Average earning assets | $2,524,792,000 | 413 |
| Average equity | $273,193,750 | 413 |
| Average total loans | $1,686,546,250 | 429 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4027% | 2,425 |
| Cost of funding earning assets | 0.1934% | 3,001 |
| Net interest margin | 3.2093% | 2,156 |
| Noninterest income to average assets | 0.7302% | 1,237 |
| Noninterest expense to average assets | 2.3305% | 2,457 |
| Loan and lease loss provision to assets | -0.1006% | 4,596 |
| Net operating income to assets | 1.0849% | 1,831 |
| Return on assets (ROA) | 1.0849% | 1,812 |
| Pretax return on assets | 1.4823% | 1,221 |
| Return on Equity (ROE) | 11.0015% | 1,978 |
| Retained earnings to average equity (ytd only) | 7.9920% | 1,621 |
| Net charge-offs to loans | 0.0036% | 1,908 |
| Credit loss provision to net charge-offs | -4,633.3333% | 3,775 |
| Earnings coverage of net charge-offs (x) | 636.2333% | 216 |
| Efficiency ratio | 62.0471% | 3,042 |
| Assets per employee ($millions) | 6.5517% | 2,275 |
| Cash dividends to net income (ytd only)* | 27.3552% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,129 |
| Loan loss allowance to noncurrent loans | 211.4459% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 1,088 |
| Noncurrent loans to loans | 0.7610% | 1,130 |
| Net loans and leases to total assets | 62.9022% | 2,025 |
| Net loans and leases to deposits | 71.0696% | 2,103 |
| Net loans and leases to core deposits | 72.5477% | 2,278 |
| Total domestic deposits to total assets | 88.5080% | 2,378 |
| Equity capital to assets | 10.2561% | 1,560 |
| Core capital (leverage) ratio | 9.3740% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0617% | 1,422 |
| Memoranda: | ||
| Average total assets | $2,762,917,667 | 414 |
| Average earning assets | $2,567,224,000 | 408 |
| Average equity | $272,472,333 | 417 |
| Average total loans | $1,648,751,667 | 429 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2396% | 2,569 |
| Cost of funding earning assets | 0.2082% | 2,688 |
| Net interest margin | 3.0315% | 2,396 |
| Noninterest income to average assets | 0.7361% | 1,205 |
| Noninterest expense to average assets | 2.2502% | 2,683 |
| Loan and lease loss provision to assets | -0.2263% | 4,706 |
| Net operating income to assets | 1.1249% | 1,458 |
| Return on assets (ROA) | 1.1249% | 1,450 |
| Pretax return on assets | 1.5392% | 937 |
| Return on Equity (ROE) | 11.6245% | 1,418 |
| Retained earnings to average equity (ytd only) | 9.2799% | 1,193 |
| Net charge-offs to loans | -0.0064% | 3,423 |
| Credit loss provision to net charge-offs | 6,138.4615% | 74 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3766% | 3,219 |
| Assets per employee ($millions) | 6.7655% | 2,175 |
| Cash dividends to net income (ytd only)* | 20.1689% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 1,104 |
| Loan loss allowance to noncurrent loans | 212.9433% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 1,247 |
| Noncurrent loans to loans | 0.7839% | 1,210 |
| Net loans and leases to total assets | 56.5418% | 2,478 |
| Net loans and leases to deposits | 63.1862% | 2,603 |
| Net loans and leases to core deposits | 64.8746% | 2,726 |
| Total domestic deposits to total assets | 89.4844% | 1,823 |
| Equity capital to assets | 9.6659% | 2,165 |
| Core capital (leverage) ratio | 9.0626% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5073% | 1,987 |
| Memoranda: | ||
| Average total assets | $2,820,940,500 | 411 |
| Average earning assets | $2,630,686,000 | 404 |
| Average equity | $272,976,000 | 422 |
| Average total loans | $1,627,041,500 | 433 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6007% | 2,387 |
| Cost of funding earning assets | 0.2789% | 2,611 |
| Net interest margin | 3.3218% | 2,254 |
| Noninterest income to average assets | 1.0942% | 862 |
| Noninterest expense to average assets | 2.6326% | 1,797 |
| Loan and lease loss provision to assets | -0.0818% | 4,482 |
| Net operating income to assets | 1.1910% | 1,950 |
| Return on assets (ROA) | 1.1910% | 2,014 |
| Pretax return on assets | 1.6232% | 1,362 |
| Return on Equity (ROE) | 12.0917% | 1,782 |
| Retained earnings to average equity (ytd only) | 9.0273% | 1,194 |
| Net charge-offs to loans | 0.0446% | 1,390 |
| Credit loss provision to net charge-offs | -290.7895% | 3,605 |
| Earnings coverage of net charge-offs (x) | 54.7724% | 1,239 |
| Efficiency ratio | 62.2609% | 2,830 |
| Assets per employee ($millions) | 6.6058% | 2,231 |
| Cash dividends to net income (ytd only)* | 25.3435% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 939 |
| Loan loss allowance to noncurrent loans | 181.0884% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 1,107 |
| Noncurrent loans to loans | 0.9695% | 1,028 |
| Net loans and leases to total assets | 56.8372% | 2,501 |
| Net loans and leases to deposits | 63.6038% | 2,720 |
| Net loans and leases to core deposits | 65.1350% | 2,891 |
| Total domestic deposits to total assets | 89.3613% | 1,315 |
| Equity capital to assets | 9.6877% | 2,955 |
| Core capital (leverage) ratio | 9.1325% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3041% | 2,124 |
| Memoranda: | ||
| Average total assets | $2,700,653,200 | 405 |
| Average earning assets | $2,503,839,200 | 406 |
| Average equity | $266,016,200 | 424 |
| Average total loans | $1,704,113,200 | 410 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7205% | 2,218 |
| Cost of funding earning assets | 0.2919% | 2,670 |
| Net interest margin | 3.4287% | 2,077 |
| Noninterest income to average assets | 1.1958% | 794 |
| Noninterest expense to average assets | 2.6190% | 1,786 |
| Loan and lease loss provision to assets | -0.0957% | 4,591 |
| Net operating income to assets | 1.3496% | 1,694 |
| Return on assets (ROA) | 1.3496% | 1,748 |
| Pretax return on assets | 1.8460% | 1,054 |
| Return on Equity (ROE) | 13.6415% | 1,504 |
| Retained earnings to average equity (ytd only) | 12.1014% | 820 |
| Net charge-offs to loans | 0.0524% | 1,132 |
| Credit loss provision to net charge-offs | -283.1610% | 3,478 |
| Earnings coverage of net charge-offs (x) | 51.7873% | 1,226 |
| Efficiency ratio | 59.1334% | 3,108 |
| Assets per employee ($millions) | 6.5617% | 2,198 |
| Cash dividends to net income (ytd only)* | 11.2903% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 946 |
| Loan loss allowance to noncurrent loans | 184.8084% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 1,153 |
| Noncurrent loans to loans | 0.9685% | 1,185 |
| Net loans and leases to total assets | 58.2081% | 2,462 |
| Net loans and leases to deposits | 65.8702% | 2,638 |
| Net loans and leases to core deposits | 67.6029% | 2,812 |
| Total domestic deposits to total assets | 88.3680% | 1,639 |
| Equity capital to assets | 10.0484% | 2,859 |
| Core capital (leverage) ratio | 9.2095% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3553% | 2,227 |
| Memoranda: | ||
| Average total assets | $2,670,650,500 | 412 |
| Average earning assets | $2,471,912,000 | 412 |
| Average equity | $264,206,000 | 431 |
| Average total loans | $1,722,182,250 | 408 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 2,270 |
| Cost of funding earning assets | 0.3077% | 2,703 |
| Net interest margin | 3.4168% | 2,087 |
| Noninterest income to average assets | 1.3039% | 681 |
| Noninterest expense to average assets | 2.5838% | 1,899 |
| Loan and lease loss provision to assets | -0.0964% | 4,618 |
| Net operating income to assets | 1.4433% | 1,436 |
| Return on assets (ROA) | 1.4433% | 1,504 |
| Pretax return on assets | 1.9768% | 872 |
| Return on Equity (ROE) | 14.6685% | 1,240 |
| Retained earnings to average equity (ytd only) | 12.9803% | 720 |
| Net charge-offs to loans | 0.0510% | 1,111 |
| Credit loss provision to net charge-offs | -285.0446% | 3,302 |
| Earnings coverage of net charge-offs (x) | 55.5893% | 1,011 |
| Efficiency ratio | 57.0597% | 3,401 |
| Assets per employee ($millions) | 6.3551% | 2,281 |
| Cash dividends to net income (ytd only)* | 11.5093% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 920 |
| Loan loss allowance to noncurrent loans | 184.8794% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 1,196 |
| Noncurrent loans to loans | 0.9616% | 1,282 |
| Net loans and leases to total assets | 61.0111% | 2,306 |
| Net loans and leases to deposits | 69.0081% | 2,514 |
| Net loans and leases to core deposits | 70.7920% | 2,703 |
| Total domestic deposits to total assets | 88.4115% | 1,614 |
| Equity capital to assets | 9.9011% | 2,939 |
| Core capital (leverage) ratio | 9.1888% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3491% | 2,229 |
| Memoranda: | ||
| Average total assets | $2,648,795,667 | 413 |
| Average earning assets | $2,449,917,333 | 411 |
| Average equity | $260,626,333 | 434 |
| Average total loans | $1,755,667,667 | 404 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 1,816 |
| Cost of funding earning assets | 0.3227% | 2,775 |
| Net interest margin | 3.5844% | 1,629 |
| Noninterest income to average assets | 1.4438% | 648 |
| Noninterest expense to average assets | 2.5974% | 1,893 |
| Loan and lease loss provision to assets | 0.0437% | 2,194 |
| Net operating income to assets | 1.5438% | 1,228 |
| Return on assets (ROA) | 1.5438% | 1,296 |
| Pretax return on assets | 2.1150% | 790 |
| Return on Equity (ROE) | 15.7407% | 1,073 |
| Retained earnings to average equity (ytd only) | 15.7407% | 548 |
| Net charge-offs to loans | 0.0685% | 861 |
| Credit loss provision to net charge-offs | 93.1596% | 1,163 |
| Earnings coverage of net charge-offs (x) | 46.0489% | 932 |
| Efficiency ratio | 53.8158% | 3,808 |
| Assets per employee ($millions) | 6.5067% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 900 |
| Loan loss allowance to noncurrent loans | 169.7137% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7722% | 1,178 |
| Noncurrent loans to loans | 1.0513% | 1,280 |
| Net loans and leases to total assets | 63.3474% | 2,120 |
| Net loans and leases to deposits | 71.4791% | 2,365 |
| Net loans and leases to core deposits | 73.3875% | 2,572 |
| Total domestic deposits to total assets | 88.6237% | 1,544 |
| Equity capital to assets | 9.5300% | 3,165 |
| Core capital (leverage) ratio | 8.9216% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1191% | 2,241 |
| Memoranda: | ||
| Average total assets | $2,619,553,500 | 414 |
| Average earning assets | $2,420,711,500 | 410 |
| Average equity | $256,914,000 | 434 |
| Average total loans | $1,792,683,000 | 399 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 1,550 |
| Cost of funding earning assets | 0.5383% | 2,697 |
| Net interest margin | 3.8748% | 1,292 |
| Noninterest income to average assets | 1.3023% | 678 |
| Noninterest expense to average assets | 2.9194% | 1,633 |
| Loan and lease loss provision to assets | 0.5677% | 380 |
| Net operating income to assets | 1.0027% | 2,283 |
| Return on assets (ROA) | 1.0027% | 2,426 |
| Pretax return on assets | 1.3651% | 1,770 |
| Return on Equity (ROE) | 9.6741% | 2,134 |
| Retained earnings to average equity (ytd only) | 6.2413% | 1,685 |
| Net charge-offs to loans | 0.0565% | 1,966 |
| Credit loss provision to net charge-offs | 1,299.8054% | 647 |
| Earnings coverage of net charge-offs (x) | 44.2558% | 1,305 |
| Efficiency ratio | 59.3575% | 3,544 |
| Assets per employee ($millions) | 5.8804% | 2,459 |
| Cash dividends to net income (ytd only)* | 35.4843% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 959 |
| Loan loss allowance to noncurrent loans | 158.3772% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 1,094 |
| Noncurrent loans to loans | 1.1004% | 1,291 |
| Net loans and leases to total assets | 71.5017% | 1,364 |
| Net loans and leases to deposits | 81.2630% | 1,734 |
| Net loans and leases to core deposits | 83.9177% | 2,039 |
| Total domestic deposits to total assets | 87.9880% | 1,478 |
| Equity capital to assets | 10.1133% | 3,017 |
| Core capital (leverage) ratio | 9.6963% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3081% | 2,515 |
| Memoranda: | ||
| Average total assets | $2,353,817,400 | 417 |
| Average earning assets | $2,156,472,800 | 416 |
| Average equity | $243,970,600 | 429 |
| Average total loans | $1,817,923,000 | 376 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 1,932 |
| Cost of funding earning assets | 0.5740% | 2,778 |
| Net interest margin | 3.7953% | 1,630 |
| Noninterest income to average assets | 1.2925% | 651 |
| Noninterest expense to average assets | 2.9169% | 1,659 |
| Loan and lease loss provision to assets | 0.5565% | 484 |
| Net operating income to assets | 0.9482% | 2,526 |
| Return on assets (ROA) | 0.9482% | 2,663 |
| Pretax return on assets | 1.2921% | 2,088 |
| Return on Equity (ROE) | 9.0885% | 2,364 |
| Retained earnings to average equity (ytd only) | 6.9529% | 1,717 |
| Net charge-offs to loans | 0.0673% | 1,648 |
| Credit loss provision to net charge-offs | 1,054.2484% | 799 |
| Earnings coverage of net charge-offs (x) | 35.0240% | 1,465 |
| Efficiency ratio | 60.4042% | 3,329 |
| Assets per employee ($millions) | 6.2520% | 2,044 |
| Cash dividends to net income (ytd only)* | 23.4977% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,440 |
| Loan loss allowance to noncurrent loans | 118.8188% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.0066% | 1,101 |
| Noncurrent loans to loans | 1.2476% | 1,211 |
| Net loans and leases to total assets | 71.3241% | 1,767 |
| Net loans and leases to deposits | 80.7462% | 2,232 |
| Net loans and leases to core deposits | 83.9836% | 2,478 |
| Total domestic deposits to total assets | 88.3312% | 1,044 |
| Equity capital to assets | 9.5509% | 3,643 |
| Core capital (leverage) ratio | 8.8301% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0281% | 2,600 |
| Memoranda: | ||
| Average total assets | $2,318,954,250 | 414 |
| Average earning assets | $2,122,043,500 | 415 |
| Average equity | $241,925,500 | 421 |
| Average total loans | $1,818,816,250 | 374 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 1,759 |
| Cost of funding earning assets | 0.6260% | 2,831 |
| Net interest margin | 3.9331% | 1,487 |
| Noninterest income to average assets | 1.1385% | 773 |
| Noninterest expense to average assets | 3.0091% | 1,555 |
| Loan and lease loss provision to assets | 0.5345% | 643 |
| Net operating income to assets | 0.8698% | 2,804 |
| Return on assets (ROA) | 0.8698% | 2,926 |
| Pretax return on assets | 1.1851% | 2,410 |
| Return on Equity (ROE) | 8.0696% | 2,718 |
| Retained earnings to average equity (ytd only) | 5.5630% | 2,253 |
| Net charge-offs to loans | -0.0078% | 4,137 |
| Credit loss provision to net charge-offs | -8,478.5714% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8247% | 2,985 |
| Assets per employee ($millions) | 5.7096% | 2,436 |
| Cash dividends to net income (ytd only)* | 31.0623% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 1,909 |
| Loan loss allowance to noncurrent loans | 107.8830% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 1,212 |
| Noncurrent loans to loans | 1.2236% | 1,280 |
| Net loans and leases to total assets | 78.2801% | 817 |
| Net loans and leases to deposits | 89.6584% | 1,384 |
| Net loans and leases to core deposits | 94.8131% | 1,679 |
| Total domestic deposits to total assets | 87.3093% | 1,492 |
| Equity capital to assets | 10.0919% | 3,114 |
| Core capital (leverage) ratio | 9.7582% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6023% | 2,772 |
| Memoranda: | ||
| Average total assets | $2,220,831,667 | 421 |
| Average earning assets | $2,027,222,000 | 422 |
| Average equity | $239,368,667 | 421 |
| Average total loans | $1,794,430,333 | 373 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8639% | 1,280 |
| Cost of funding earning assets | 0.7060% | 2,907 |
| Net interest margin | 4.1578% | 1,008 |
| Noninterest income to average assets | 0.8012% | 1,310 |
| Noninterest expense to average assets | 3.1262% | 1,577 |
| Loan and lease loss provision to assets | 0.1930% | 1,561 |
| Net operating income to assets | 0.9409% | 2,373 |
| Return on assets (ROA) | 0.9409% | 2,482 |
| Pretax return on assets | 1.2818% | 1,923 |
| Return on Equity (ROE) | 8.7654% | 2,206 |
| Retained earnings to average equity (ytd only) | 8.7654% | 1,034 |
| Net charge-offs to loans | -0.0452% | 4,603 |
| Credit loss provision to net charge-offs | -509.5506% | 3,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9475% | 2,674 |
| Assets per employee ($millions) | 4.7527% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 2,176 |
| Loan loss allowance to noncurrent loans | 88.3218% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.2353% | 982 |
| Noncurrent loans to loans | 1.4640% | 1,092 |
| Net loans and leases to total assets | 81.7146% | 468 |
| Net loans and leases to deposits | 94.9274% | 1,003 |
| Net loans and leases to core deposits | 101.4333% | 1,364 |
| Total domestic deposits to total assets | 86.0812% | 1,970 |
| Equity capital to assets | 10.7447% | 3,100 |
| Core capital (leverage) ratio | 10.1183% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9510% | 3,114 |
| Memoranda: | ||
| Average total assets | $1,880,233,500 | 473 |
| Average earning assets | $1,718,301,500 | 472 |
| Average equity | $201,839,500 | 490 |
| Average total loans | $1,573,883,000 | 406 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1745% | 1,055 |
| Cost of funding earning assets | 0.7219% | 3,061 |
| Net interest margin | 4.4526% | 795 |
| Noninterest income to average assets | 0.9727% | 1,029 |
| Noninterest expense to average assets | 3.1671% | 1,598 |
| Loan and lease loss provision to assets | 0.1209% | 1,753 |
| Net operating income to assets | 1.2401% | 1,906 |
| Return on assets (ROA) | 1.2406% | 1,985 |
| Pretax return on assets | 1.7251% | 1,125 |
| Return on Equity (ROE) | 10.5719% | 2,054 |
| Retained earnings to average equity (ytd only) | -8.5496% | 5,045 |
| Net charge-offs to loans | 0.0952% | 1,774 |
| Credit loss provision to net charge-offs | 151.9164% | 1,680 |
| Earnings coverage of net charge-offs (x) | 23.1805% | 1,822 |
| Efficiency ratio | 63.1852% | 3,193 |
| Assets per employee ($millions) | 4.6837% | 2,966 |
| Cash dividends to net income (ytd only)* | 180.8710% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,334 |
| Loan loss allowance to noncurrent loans | 87.5393% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.2012% | 974 |
| Noncurrent loans to loans | 1.3910% | 1,053 |
| Net loans and leases to total assets | 83.6137% | 356 |
| Net loans and leases to deposits | 96.7129% | 869 |
| Net loans and leases to core deposits | 102.8719% | 1,326 |
| Total domestic deposits to total assets | 86.4556% | 1,863 |
| Equity capital to assets | 10.7247% | 3,241 |
| Core capital (leverage) ratio | 10.0868% | 3,424 |
| Tier 1 risk-based capital ratio | 10.4762% | 5,028 |
| Total risk-based capital ratio | 11.5654% | 5,007 |
| Memoranda: | ||
| Average total assets | $1,802,612,200 | 468 |
| Average earning assets | $1,635,468,400 | 473 |
| Average equity | $211,541,600 | 458 |
| Average total loans | $1,506,768,800 | 404 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 1,154 |
| Cost of funding earning assets | 0.7169% | 3,124 |
| Net interest margin | 4.4335% | 878 |
| Noninterest income to average assets | 0.9629% | 1,018 |
| Noninterest expense to average assets | 3.2047% | 1,460 |
| Loan and lease loss provision to assets | 0.1259% | 1,546 |
| Net operating income to assets | 1.2086% | 2,167 |
| Return on assets (ROA) | 1.2086% | 2,242 |
| Pretax return on assets | 1.6456% | 1,484 |
| Return on Equity (ROE) | 10.0728% | 2,398 |
| Retained earnings to average equity (ytd only) | -13.3046% | 5,170 |
| Net charge-offs to loans | 0.1143% | 1,336 |
| Credit loss provision to net charge-offs | 132.2100% | 1,802 |
| Earnings coverage of net charge-offs (x) | 18.6097% | 2,045 |
| Efficiency ratio | 64.4009% | 2,949 |
| Assets per employee ($millions) | 4.6358% | 2,998 |
| Cash dividends to net income (ytd only)* | 232.0845% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,371 |
| Loan loss allowance to noncurrent loans | 76.7698% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 854 |
| Noncurrent loans to loans | 1.5953% | 923 |
| Net loans and leases to total assets | 82.1144% | 555 |
| Net loans and leases to deposits | 95.4819% | 1,076 |
| Net loans and leases to core deposits | 100.9586% | 1,582 |
| Total domestic deposits to total assets | 85.9999% | 1,996 |
| Equity capital to assets | 10.5976% | 3,474 |
| Core capital (leverage) ratio | 10.1041% | 3,528 |
| Tier 1 risk-based capital ratio | 10.5287% | 5,069 |
| Total risk-based capital ratio | 11.6240% | 5,041 |
| Memoranda: | ||
| Average total assets | $1,787,233,750 | 470 |
| Average earning assets | $1,617,855,500 | 476 |
| Average equity | $214,446,500 | 452 |
| Average total loans | $1,488,991,250 | 410 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 1,148 |
| Cost of funding earning assets | 0.7006% | 3,166 |
| Net interest margin | 4.4297% | 887 |
| Noninterest income to average assets | 0.9253% | 1,023 |
| Noninterest expense to average assets | 3.1882% | 1,535 |
| Loan and lease loss provision to assets | 0.1856% | 956 |
| Net operating income to assets | 1.1628% | 2,282 |
| Return on assets (ROA) | 1.1628% | 2,358 |
| Pretax return on assets | 1.5712% | 1,635 |
| Return on Equity (ROE) | 9.3102% | 2,720 |
| Retained earnings to average equity (ytd only) | 7.4955% | 1,599 |
| Net charge-offs to loans | 0.0633% | 1,744 |
| Credit loss provision to net charge-offs | 351.5021% | 802 |
| Earnings coverage of net charge-offs (x) | 33.2682% | 1,386 |
| Efficiency ratio | 64.4728% | 3,058 |
| Assets per employee ($millions) | 4.5102% | 3,128 |
| Cash dividends to net income (ytd only)* | 19.4913% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,014 |
| Loan loss allowance to noncurrent loans | 74.8343% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.5351% | 724 |
| Noncurrent loans to loans | 1.7376% | 871 |
| Net loans and leases to total assets | 83.0508% | 469 |
| Net loans and leases to deposits | 100.8282% | 619 |
| Net loans and leases to core deposits | 106.7173% | 1,198 |
| Total domestic deposits to total assets | 82.3686% | 3,416 |
| Equity capital to assets | 12.5709% | 1,819 |
| Core capital (leverage) ratio | 12.0471% | 1,800 |
| Tier 1 risk-based capital ratio | 12.4566% | 4,152 |
| Total risk-based capital ratio | 13.6153% | 4,079 |
| Memoranda: | ||
| Average total assets | $1,764,871,670 | 480 |
| Average earning assets | $1,601,559,670 | 476 |
| Average equity | $220,424,330 | 435 |
| Average total loans | $1,471,474,000 | 415 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 1,460 |
| Cost of funding earning assets | 0.6653% | 3,233 |
| Net interest margin | 4.2893% | 1,115 |
| Noninterest income to average assets | 0.8758% | 1,094 |
| Noninterest expense to average assets | 3.3472% | 1,202 |
| Loan and lease loss provision to assets | 0.1520% | 1,107 |
| Net operating income to assets | 0.9315% | 3,120 |
| Return on assets (ROA) | 0.9315% | 3,157 |
| Pretax return on assets | 1.2573% | 2,601 |
| Return on Equity (ROE) | 7.4836% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.4836% | 1,853 |
| Net charge-offs to loans | 0.0143% | 2,195 |
| Credit loss provision to net charge-offs | 1,278.8462% | 303 |
| Earnings coverage of net charge-offs (x) | 118.5577% | 598 |
| Efficiency ratio | 70.3705% | 2,279 |
| Assets per employee ($millions) | 4.3986% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 2,061 |
| Loan loss allowance to noncurrent loans | 66.8512% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.7201% | 636 |
| Noncurrent loans to loans | 1.9546% | 765 |
| Net loans and leases to total assets | 83.1629% | 450 |
| Net loans and leases to deposits | 98.8165% | 719 |
| Net loans and leases to core deposits | 104.5241% | 1,275 |
| Total domestic deposits to total assets | 84.1589% | 2,991 |
| Equity capital to assets | 12.7164% | 1,617 |
| Core capital (leverage) ratio | 12.0311% | 1,751 |
| Tier 1 risk-based capital ratio | 12.6341% | 4,079 |
| Total risk-based capital ratio | 13.7990% | 4,015 |
| Memoranda: | ||
| Average total assets | $1,749,781,000 | 485 |
| Average earning assets | $1,583,110,500 | 484 |
| Average equity | $217,809,500 | 441 |
| Average total loans | $1,451,988,000 | 420 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 1,544 |
| Cost of funding earning assets | 0.4921% | 3,410 |
| Net interest margin | 4.3085% | 1,130 |
| Noninterest income to average assets | 1.0841% | 793 |
| Noninterest expense to average assets | 3.2333% | 1,466 |
| Loan and lease loss provision to assets | 0.0478% | 3,227 |
| Net operating income to assets | 1.2747% | 1,893 |
| Return on assets (ROA) | 1.2747% | 1,892 |
| Pretax return on assets | 1.7023% | 1,161 |
| Return on Equity (ROE) | 10.3935% | 2,349 |
| Retained earnings to average equity (ytd only) | 6.2025% | 2,088 |
| Net charge-offs to loans | 0.0813% | 1,976 |
| Credit loss provision to net charge-offs | 71.2654% | 2,976 |
| Earnings coverage of net charge-offs (x) | 26.1178% | 1,740 |
| Efficiency ratio | 64.8830% | 3,048 |
| Assets per employee ($millions) | 4.4273% | 3,273 |
| Cash dividends to net income (ytd only)* | 40.3233% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 2,147 |
| Loan loss allowance to noncurrent loans | 67.2946% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.6277% | 684 |
| Noncurrent loans to loans | 1.9011% | 726 |
| Net loans and leases to total assets | 80.6771% | 841 |
| Net loans and leases to deposits | 99.1520% | 810 |
| Net loans and leases to core deposits | 105.5540% | 1,299 |
| Total domestic deposits to total assets | 81.3671% | 3,814 |
| Equity capital to assets | 12.1843% | 1,768 |
| Core capital (leverage) ratio | 11.9257% | 1,787 |
| Tier 1 risk-based capital ratio | 12.4501% | 4,171 |
| Total risk-based capital ratio | 13.5834% | 4,104 |
| Memoranda: | ||
| Average total assets | $1,698,396,000 | 482 |
| Average earning assets | $1,537,066,000 | 485 |
| Average equity | $208,303,400 | 438 |
| Average total loans | $1,399,215,200 | 425 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 1,498 |
| Cost of funding earning assets | 0.4586% | 3,468 |
| Net interest margin | 4.3102% | 1,094 |
| Noninterest income to average assets | 1.0413% | 877 |
| Noninterest expense to average assets | 3.2673% | 1,375 |
| Loan and lease loss provision to assets | 0.0281% | 3,446 |
| Net operating income to assets | 1.2199% | 2,154 |
| Return on assets (ROA) | 1.2199% | 2,155 |
| Pretax return on assets | 1.6531% | 1,402 |
| Return on Equity (ROE) | 9.9295% | 2,652 |
| Retained earnings to average equity (ytd only) | 6.1343% | 2,590 |
| Net charge-offs to loans | 0.0758% | 1,770 |
| Credit loss provision to net charge-offs | 44.8669% | 2,870 |
| Earnings coverage of net charge-offs (x) | 26.8708% | 1,727 |
| Efficiency ratio | 66.0257% | 2,867 |
| Assets per employee ($millions) | 4.3725% | 3,322 |
| Cash dividends to net income (ytd only)* | 38.2215% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,068 |
| Loan loss allowance to noncurrent loans | 80.4636% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.5221% | 839 |
| Noncurrent loans to loans | 1.6242% | 975 |
| Net loans and leases to total assets | 81.3118% | 826 |
| Net loans and leases to deposits | 98.2262% | 935 |
| Net loans and leases to core deposits | 104.6058% | 1,411 |
| Total domestic deposits to total assets | 82.7801% | 3,379 |
| Equity capital to assets | 12.3778% | 1,657 |
| Core capital (leverage) ratio | 11.8662% | 1,863 |
| Tier 1 risk-based capital ratio | 12.3696% | 4,271 |
| Total risk-based capital ratio | 13.5089% | 4,230 |
| Memoranda: | ||
| Average total assets | $1,681,370,250 | 487 |
| Average earning assets | $1,524,167,500 | 487 |
| Average equity | $206,570,500 | 438 |
| Average total loans | $1,388,111,750 | 425 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 1,526 |
| Cost of funding earning assets | 0.4150% | 3,602 |
| Net interest margin | 4.2763% | 1,089 |
| Noninterest income to average assets | 1.0104% | 940 |
| Noninterest expense to average assets | 3.2167% | 1,495 |
| Loan and lease loss provision to assets | 0.0123% | 3,614 |
| Net operating income to assets | 1.2278% | 2,072 |
| Return on assets (ROA) | 1.2278% | 2,073 |
| Pretax return on assets | 1.6642% | 1,307 |
| Return on Equity (ROE) | 10.0191% | 2,553 |
| Retained earnings to average equity (ytd only) | 5.0159% | 3,070 |
| Net charge-offs to loans | 0.0771% | 1,558 |
| Credit loss provision to net charge-offs | 19.3246% | 2,690 |
| Earnings coverage of net charge-offs (x) | 26.3171% | 1,605 |
| Efficiency ratio | 65.7385% | 3,024 |
| Assets per employee ($millions) | 4.3490% | 3,354 |
| Cash dividends to net income (ytd only)* | 49.9367% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,090 |
| Loan loss allowance to noncurrent loans | 82.2334% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.4836% | 899 |
| Noncurrent loans to loans | 1.6004% | 1,013 |
| Net loans and leases to total assets | 81.4056% | 789 |
| Net loans and leases to deposits | 99.5965% | 832 |
| Net loans and leases to core deposits | 105.1173% | 1,306 |
| Total domestic deposits to total assets | 81.7354% | 3,799 |
| Equity capital to assets | 12.2436% | 1,701 |
| Core capital (leverage) ratio | 11.7276% | 1,889 |
| Tier 1 risk-based capital ratio | 12.3731% | 4,260 |
| Total risk-based capital ratio | 13.5393% | 4,196 |
| Memoranda: | ||
| Average total assets | $1,673,401,670 | 487 |
| Average earning assets | $1,519,401,000 | 487 |
| Average equity | $205,069,000 | 440 |
| Average total loans | $1,382,498,330 | 424 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 1,634 |
| Cost of funding earning assets | 0.3774% | 3,755 |
| Net interest margin | 4.2021% | 1,175 |
| Noninterest income to average assets | 1.0052% | 901 |
| Noninterest expense to average assets | 3.2801% | 1,384 |
| Loan and lease loss provision to assets | 0.0738% | 2,291 |
| Net operating income to assets | 1.0866% | 2,488 |
| Return on assets (ROA) | 1.0866% | 2,504 |
| Pretax return on assets | 1.4724% | 1,756 |
| Return on Equity (ROE) | 8.8631% | 2,973 |
| Retained earnings to average equity (ytd only) | 3.5111% | 3,799 |
| Net charge-offs to loans | 0.0189% | 2,123 |
| Credit loss provision to net charge-offs | 472.3077% | 624 |
| Earnings coverage of net charge-offs (x) | 98.9692% | 618 |
| Efficiency ratio | 67.9631% | 2,834 |
| Assets per employee ($millions) | 4.2652% | 3,538 |
| Cash dividends to net income (ytd only)* | 60.3849% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,899 |
| Loan loss allowance to noncurrent loans | 84.2874% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.5128% | 916 |
| Noncurrent loans to loans | 1.6418% | 1,054 |
| Net loans and leases to total assets | 81.1435% | 771 |
| Net loans and leases to deposits | 96.5344% | 973 |
| Net loans and leases to core deposits | 110.4632% | 972 |
| Total domestic deposits to total assets | 84.0566% | 3,305 |
| Equity capital to assets | 12.2097% | 1,656 |
| Core capital (leverage) ratio | 11.5703% | 1,960 |
| Tier 1 risk-based capital ratio | 12.4144% | 4,298 |
| Total risk-based capital ratio | 13.6494% | 4,203 |
| Memoranda: | ||
| Average total assets | $1,664,226,500 | 492 |
| Average earning assets | $1,513,326,000 | 493 |
| Average equity | $204,037,500 | 448 |
| Average total loans | $1,375,974,000 | 425 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 1,406 |
| Cost of funding earning assets | 0.3414% | 3,786 |
| Net interest margin | 4.2655% | 1,046 |
| Noninterest income to average assets | 0.9305% | 1,187 |
| Noninterest expense to average assets | 3.0549% | 1,993 |
| Loan and lease loss provision to assets | 0.2161% | 912 |
| Net operating income to assets | 1.3671% | 1,079 |
| Return on assets (ROA) | 1.3671% | 1,100 |
| Pretax return on assets | 1.5410% | 1,484 |
| Return on Equity (ROE) | 11.6004% | 1,314 |
| Retained earnings to average equity (ytd only) | 7.9114% | 797 |
| Net charge-offs to loans | 0.1167% | 1,878 |
| Credit loss provision to net charge-offs | 223.1011% | 1,234 |
| Earnings coverage of net charge-offs (x) | 18.1406% | 2,089 |
| Efficiency ratio | 63.4850% | 3,683 |
| Assets per employee ($millions) | 4.2365% | 3,599 |
| Cash dividends to net income (ytd only)* | 31.8004% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 1,904 |
| Loan loss allowance to noncurrent loans | 88.6311% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.3713% | 1,032 |
| Noncurrent loans to loans | 1.5410% | 1,099 |
| Net loans and leases to total assets | 81.9458% | 690 |
| Net loans and leases to deposits | 96.8767% | 1,003 |
| Net loans and leases to core deposits | 110.4829% | 973 |
| Total domestic deposits to total assets | 84.5878% | 2,997 |
| Equity capital to assets | 12.3111% | 1,631 |
| Core capital (leverage) ratio | 11.5255% | 1,927 |
| Tier 1 risk-based capital ratio | 12.2169% | 4,389 |
| Total risk-based capital ratio | 13.4277% | 4,305 |
| Memoranda: | ||
| Average total assets | $1,644,614,800 | 476 |
| Average earning assets | $1,496,589,000 | 479 |
| Average equity | $193,820,600 | 451 |
| Average total loans | $1,364,779,800 | 413 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 1,411 |
| Cost of funding earning assets | 0.3399% | 3,773 |
| Net interest margin | 4.2455% | 1,059 |
| Noninterest income to average assets | 0.9160% | 1,225 |
| Noninterest expense to average assets | 3.1163% | 1,758 |
| Loan and lease loss provision to assets | 0.3792% | 375 |
| Net operating income to assets | 0.8085% | 3,487 |
| Return on assets (ROA) | 0.8085% | 3,537 |
| Pretax return on assets | 1.2837% | 2,572 |
| Return on Equity (ROE) | 6.9386% | 3,695 |
| Retained earnings to average equity (ytd only) | 3.3142% | 3,955 |
| Net charge-offs to loans | 0.1342% | 1,453 |
| Credit loss provision to net charge-offs | 340.5543% | 884 |
| Earnings coverage of net charge-offs (x) | 14.9344% | 2,267 |
| Efficiency ratio | 65.2052% | 3,342 |
| Assets per employee ($millions) | 4.2766% | 3,513 |
| Cash dividends to net income (ytd only)* | 52.2351% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 1,675 |
| Loan loss allowance to noncurrent loans | 95.5847% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 1,192 |
| Noncurrent loans to loans | 1.5278% | 1,220 |
| Net loans and leases to total assets | 82.0860% | 675 |
| Net loans and leases to deposits | 98.9256% | 831 |
| Net loans and leases to core deposits | 111.4763% | 954 |
| Total domestic deposits to total assets | 82.9775% | 3,457 |
| Equity capital to assets | 11.7260% | 2,170 |
| Core capital (leverage) ratio | 10.8790% | 2,569 |
| Tier 1 risk-based capital ratio | 11.8261% | 4,748 |
| Total risk-based capital ratio | 13.0771% | 4,615 |
| Memoranda: | ||
| Average total assets | $1,641,649,500 | 480 |
| Average earning assets | $1,493,819,500 | 482 |
| Average equity | $191,293,000 | 456 |
| Average total loans | $1,361,922,500 | 419 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 1,563 |
| Cost of funding earning assets | 0.3270% | 3,831 |
| Net interest margin | 4.1563% | 1,183 |
| Noninterest income to average assets | 0.9033% | 1,265 |
| Noninterest expense to average assets | 3.0318% | 2,041 |
| Loan and lease loss provision to assets | 0.3468% | 416 |
| Net operating income to assets | 0.8217% | 3,288 |
| Return on assets (ROA) | 0.8217% | 3,345 |
| Pretax return on assets | 1.3071% | 2,355 |
| Return on Equity (ROE) | 7.0663% | 3,520 |
| Retained earnings to average equity (ytd only) | 2.1285% | 4,402 |
| Net charge-offs to loans | 0.1727% | 1,136 |
| Credit loss provision to net charge-offs | 242.4424% | 1,110 |
| Earnings coverage of net charge-offs (x) | 11.5619% | 2,264 |
| Efficiency ratio | 64.7027% | 3,555 |
| Assets per employee ($millions) | 4.3253% | 3,391 |
| Cash dividends to net income (ytd only)* | 69.8781% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,244 |
| Loan loss allowance to noncurrent loans | 81.7740% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.4275% | 1,099 |
| Noncurrent loans to loans | 1.6347% | 1,125 |
| Net loans and leases to total assets | 81.5857% | 727 |
| Net loans and leases to deposits | 100.6708% | 688 |
| Net loans and leases to core deposits | 113.2014% | 838 |
| Total domestic deposits to total assets | 81.0421% | 4,171 |
| Equity capital to assets | 11.4400% | 2,377 |
| Core capital (leverage) ratio | 10.8013% | 2,596 |
| Tier 1 risk-based capital ratio | 11.5746% | 4,909 |
| Total risk-based capital ratio | 12.7905% | 4,826 |
| Memoranda: | ||
| Average total assets | $1,637,185,670 | 485 |
| Average earning assets | $1,489,932,000 | 486 |
| Average equity | $190,367,330 | 453 |
| Average total loans | $1,356,333,330 | 423 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3539% | 1,804 |
| Cost of funding earning assets | 0.3089% | 3,952 |
| Net interest margin | 4.0450% | 1,360 |
| Noninterest income to average assets | 0.8418% | 1,427 |
| Noninterest expense to average assets | 3.1998% | 1,610 |
| Loan and lease loss provision to assets | 0.3687% | 311 |
| Net operating income to assets | 0.6123% | 4,101 |
| Return on assets (ROA) | 0.6123% | 4,160 |
| Pretax return on assets | 0.9558% | 3,564 |
| Return on Equity (ROE) | 5.2222% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.2222% | 2,774 |
| Net charge-offs to loans | 0.0265% | 2,225 |
| Credit loss provision to net charge-offs | 1,676.4045% | 195 |
| Earnings coverage of net charge-offs (x) | 60.2247% | 800 |
| Efficiency ratio | 70.7264% | 2,786 |
| Assets per employee ($millions) | 4.1673% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 2,235 |
| Loan loss allowance to noncurrent loans | 77.1349% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.5424% | 1,024 |
| Noncurrent loans to loans | 1.7695% | 1,072 |
| Net loans and leases to total assets | 81.5085% | 624 |
| Net loans and leases to deposits | 97.7622% | 786 |
| Net loans and leases to core deposits | 108.1101% | 971 |
| Total domestic deposits to total assets | 83.3743% | 3,709 |
| Equity capital to assets | 11.8247% | 1,959 |
| Core capital (leverage) ratio | 10.9465% | 2,416 |
| Tier 1 risk-based capital ratio | 11.6139% | 4,967 |
| Total risk-based capital ratio | 12.8140% | 4,890 |
| Memoranda: | ||
| Average total assets | $1,618,826,000 | 490 |
| Average earning assets | $1,473,726,000 | 490 |
| Average equity | $189,804,000 | 456 |
| Average total loans | $1,342,415,000 | 426 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,292 |
| Cost of funding earning assets | 0.2996% | 4,069 |
| Net interest margin | 4.2959% | 939 |
| Noninterest income to average assets | 0.9850% | 1,185 |
| Noninterest expense to average assets | 3.1835% | 1,836 |
| Loan and lease loss provision to assets | 0.1992% | 1,169 |
| Net operating income to assets | 0.9639% | 2,519 |
| Return on assets (ROA) | 0.9777% | 2,558 |
| Pretax return on assets | 1.5354% | 1,474 |
| Return on Equity (ROE) | 8.6253% | 2,602 |
| Retained earnings to average equity (ytd only) | 6.9374% | 1,253 |
| Net charge-offs to loans | 0.0505% | 3,034 |
| Credit loss provision to net charge-offs | 485.2632% | 679 |
| Earnings coverage of net charge-offs (x) | 41.7338% | 1,146 |
| Efficiency ratio | 65.0162% | 3,758 |
| Assets per employee ($millions) | 4.0928% | 3,804 |
| Cash dividends to net income (ytd only)* | 19.5695% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,833 |
| Loan loss allowance to noncurrent loans | 83.6646% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.3158% | 1,329 |
| Noncurrent loans to loans | 1.4920% | 1,347 |
| Net loans and leases to total assets | 82.1746% | 583 |
| Net loans and leases to deposits | 98.4612% | 782 |
| Net loans and leases to core deposits | 108.6165% | 984 |
| Total domestic deposits to total assets | 83.4588% | 3,611 |
| Equity capital to assets | 11.6251% | 2,065 |
| Core capital (leverage) ratio | 10.7547% | 2,587 |
| Tier 1 risk-based capital ratio | 11.6802% | 4,935 |
| Total risk-based capital ratio | 12.8099% | 4,921 |
| Memoranda: | ||
| Average total assets | $1,620,182,000 | 474 |
| Average earning assets | $1,475,195,800 | 470 |
| Average equity | $183,657,200 | 453 |
| Average total loans | $1,317,987,000 | 412 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 1,341 |
| Cost of funding earning assets | 0.3007% | 4,091 |
| Net interest margin | 4.2763% | 968 |
| Noninterest income to average assets | 0.9299% | 1,314 |
| Noninterest expense to average assets | 3.1895% | 1,805 |
| Loan and lease loss provision to assets | 0.2580% | 714 |
| Net operating income to assets | 0.8708% | 3,047 |
| Return on assets (ROA) | 0.8893% | 3,097 |
| Pretax return on assets | 1.4057% | 2,019 |
| Return on Equity (ROE) | 7.8952% | 3,062 |
| Retained earnings to average equity (ytd only) | 6.9819% | 1,636 |
| Net charge-offs to loans | 0.0391% | 2,849 |
| Credit loss provision to net charge-offs | 816.4063% | 494 |
| Earnings coverage of net charge-offs (x) | 51.7315% | 1,046 |
| Efficiency ratio | 66.1122% | 3,573 |
| Assets per employee ($millions) | 4.2140% | 3,566 |
| Cash dividends to net income (ytd only)* | 11.5688% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,959 |
| Loan loss allowance to noncurrent loans | 80.0941% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 1,332 |
| Noncurrent loans to loans | 1.5607% | 1,391 |
| Net loans and leases to total assets | 81.4152% | 700 |
| Net loans and leases to deposits | 101.0434% | 636 |
| Net loans and leases to core deposits | 111.4730% | 835 |
| Total domestic deposits to total assets | 80.5745% | 4,362 |
| Equity capital to assets | 11.3568% | 2,643 |
| Core capital (leverage) ratio | 10.4084% | 3,104 |
| Tier 1 risk-based capital ratio | 11.3596% | 5,176 |
| Total risk-based capital ratio | 12.4919% | 5,133 |
| Memoranda: | ||
| Average total assets | $1,620,044,500 | 475 |
| Average earning assets | $1,475,415,250 | 470 |
| Average equity | $182,468,500 | 460 |
| Average total loans | $1,310,317,500 | 415 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 1,378 |
| Cost of funding earning assets | 0.2997% | 4,133 |
| Net interest margin | 4.2534% | 1,014 |
| Noninterest income to average assets | 0.8883% | 1,410 |
| Noninterest expense to average assets | 3.1757% | 1,870 |
| Loan and lease loss provision to assets | 0.2355% | 845 |
| Net operating income to assets | 0.8557% | 3,070 |
| Return on assets (ROA) | 0.8835% | 3,066 |
| Pretax return on assets | 1.3970% | 2,037 |
| Return on Equity (ROE) | 7.8669% | 3,052 |
| Retained earnings to average equity (ytd only) | 6.4838% | 1,880 |
| Net charge-offs to loans | 0.0353% | 2,746 |
| Credit loss provision to net charge-offs | 831.1404% | 434 |
| Earnings coverage of net charge-offs (x) | 56.0833% | 919 |
| Efficiency ratio | 66.6501% | 3,580 |
| Assets per employee ($millions) | 4.2456% | 3,473 |
| Cash dividends to net income (ytd only)* | 17.5809% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 3,436 |
| Loan loss allowance to noncurrent loans | 120.6114% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 2,322 |
| Noncurrent loans to loans | 0.9825% | 2,312 |
| Net loans and leases to total assets | 80.4794% | 832 |
| Net loans and leases to deposits | 103.1281% | 502 |
| Net loans and leases to core deposits | 115.4140% | 657 |
| Total domestic deposits to total assets | 78.0384% | 4,993 |
| Equity capital to assets | 11.1315% | 2,913 |
| Core capital (leverage) ratio | 10.3425% | 3,141 |
| Tier 1 risk-based capital ratio | 10.6915% | 5,582 |
| Total risk-based capital ratio | 11.7119% | 5,603 |
| Memoranda: | ||
| Average total assets | $1,609,432,670 | 479 |
| Average earning assets | $1,466,767,330 | 470 |
| Average equity | $180,757,670 | 462 |
| Average total loans | $1,293,121,330 | 418 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 1,482 |
| Cost of funding earning assets | 0.3007% | 4,157 |
| Net interest margin | 4.2078% | 1,080 |
| Noninterest income to average assets | 1.0068% | 1,063 |
| Noninterest expense to average assets | 3.1685% | 1,910 |
| Loan and lease loss provision to assets | 0.2690% | 628 |
| Net operating income to assets | 0.8935% | 2,787 |
| Return on assets (ROA) | 0.8935% | 2,914 |
| Pretax return on assets | 1.4102% | 1,874 |
| Return on Equity (ROE) | 7.9189% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.9189% | 1,492 |
| Net charge-offs to loans | 0.0414% | 2,176 |
| Credit loss provision to net charge-offs | 815.2672% | 428 |
| Earnings coverage of net charge-offs (x) | 50.9008% | 881 |
| Efficiency ratio | 65.3610% | 3,905 |
| Assets per employee ($millions) | 4.0045% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 3,545 |
| Loan loss allowance to noncurrent loans | 149.2347% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 2,867 |
| Noncurrent loans to loans | 0.7969% | 2,843 |
| Net loans and leases to total assets | 79.4914% | 888 |
| Net loans and leases to deposits | 95.3366% | 1,002 |
| Net loans and leases to core deposits | 105.1876% | 1,125 |
| Total domestic deposits to total assets | 83.3797% | 3,759 |
| Equity capital to assets | 11.4009% | 2,531 |
| Core capital (leverage) ratio | 10.4408% | 3,027 |
| Tier 1 risk-based capital ratio | 11.5409% | 5,215 |
| Total risk-based capital ratio | 12.6072% | 5,211 |
| Memoranda: | ||
| Average total assets | $1,588,389,000 | 484 |
| Average earning assets | $1,449,870,500 | 478 |
| Average equity | $179,217,000 | 464 |
| Average total loans | $1,267,145,000 | 420 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 1,746 |
| Cost of funding earning assets | 0.2904% | 4,363 |
| Net interest margin | 4.1592% | 1,261 |
| Noninterest income to average assets | 0.9042% | 1,436 |
| Noninterest expense to average assets | 3.0830% | 2,287 |
| Loan and lease loss provision to assets | 0.1245% | 1,935 |
| Net operating income to assets | 0.9666% | 2,543 |
| Return on assets (ROA) | 0.9704% | 2,594 |
| Pretax return on assets | 1.5310% | 1,459 |
| Return on Equity (ROE) | 8.7083% | 2,621 |
| Retained earnings to average equity (ytd only) | 5.8770% | 1,856 |
| Net charge-offs to loans | 0.0386% | 3,454 |
| Credit loss provision to net charge-offs | 423.9035% | 726 |
| Earnings coverage of net charge-offs (x) | 56.1842% | 919 |
| Efficiency ratio | 65.1448% | 4,055 |
| Assets per employee ($millions) | 3.9282% | 4,067 |
| Cash dividends to net income (ytd only)* | 32.5128% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 3,824 |
| Loan loss allowance to noncurrent loans | 142.1897% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 2,762 |
| Noncurrent loans to loans | 0.7996% | 2,790 |
| Net loans and leases to total assets | 78.2023% | 1,089 |
| Net loans and leases to deposits | 100.0070% | 672 |
| Net loans and leases to core deposits | 108.1271% | 963 |
| Total domestic deposits to total assets | 78.1968% | 5,125 |
| Equity capital to assets | 11.1648% | 2,662 |
| Core capital (leverage) ratio | 10.4624% | 2,971 |
| Tier 1 risk-based capital ratio | 11.4460% | 5,287 |
| Total risk-based capital ratio | 12.4591% | 5,315 |
| Memoranda: | ||
| Average total assets | $1,553,150,000 | 460 |
| Average earning assets | $1,429,621,400 | 455 |
| Average equity | $173,064,000 | 463 |
| Average total loans | $1,180,509,800 | 420 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 1,773 |
| Cost of funding earning assets | 0.2917% | 4,433 |
| Net interest margin | 4.1517% | 1,273 |
| Noninterest income to average assets | 0.8947% | 1,468 |
| Noninterest expense to average assets | 3.0453% | 2,383 |
| Loan and lease loss provision to assets | 0.1249% | 1,814 |
| Net operating income to assets | 0.9684% | 2,629 |
| Return on assets (ROA) | 0.9735% | 2,686 |
| Pretax return on assets | 1.5576% | 1,514 |
| Return on Equity (ROE) | 8.7407% | 2,710 |
| Retained earnings to average equity (ytd only) | 5.7181% | 2,427 |
| Net charge-offs to loans | 0.0289% | 3,359 |
| Credit loss provision to net charge-offs | 574.2063% | 591 |
| Earnings coverage of net charge-offs (x) | 76.9885% | 765 |
| Efficiency ratio | 64.5203% | 4,154 |
| Assets per employee ($millions) | 3.8675% | 4,142 |
| Cash dividends to net income (ytd only)* | 34.5806% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 3,842 |
| Loan loss allowance to noncurrent loans | 138.0600% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.7703% | 2,968 |
| Noncurrent loans to loans | 0.8441% | 2,859 |
| Net loans and leases to total assets | 76.5092% | 1,315 |
| Net loans and leases to deposits | 95.6276% | 1,044 |
| Net loans and leases to core deposits | 101.5557% | 1,409 |
| Total domestic deposits to total assets | 80.0074% | 4,752 |
| Equity capital to assets | 11.2784% | 2,723 |
| Core capital (leverage) ratio | 10.2990% | 3,258 |
| Tier 1 risk-based capital ratio | 11.6278% | 5,307 |
| Total risk-based capital ratio | 12.6547% | 5,337 |
| Memoranda: | ||
| Average total assets | $1,544,685,500 | 465 |
| Average earning assets | $1,423,181,500 | 458 |
| Average equity | $172,033,500 | 469 |
| Average total loans | $1,161,799,750 | 429 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 1,851 |
| Cost of funding earning assets | 0.2910% | 4,497 |
| Net interest margin | 4.1095% | 1,328 |
| Noninterest income to average assets | 0.9085% | 1,417 |
| Noninterest expense to average assets | 3.1098% | 2,220 |
| Loan and lease loss provision to assets | 0.1217% | 1,812 |
| Net operating income to assets | 0.9188% | 2,789 |
| Return on assets (ROA) | 0.9188% | 2,915 |
| Pretax return on assets | 1.4689% | 1,731 |
| Return on Equity (ROE) | 8.2853% | 2,893 |
| Retained earnings to average equity (ytd only) | 3.7259% | 3,653 |
| Net charge-offs to loans | 0.0279% | 3,108 |
| Credit loss provision to net charge-offs | 586.8750% | 566 |
| Earnings coverage of net charge-offs (x) | 76.6813% | 729 |
| Efficiency ratio | 66.1592% | 3,976 |
| Assets per employee ($millions) | 3.8926% | 4,089 |
| Cash dividends to net income (ytd only)* | 55.0303% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 4,059 |
| Loan loss allowance to noncurrent loans | 150.7998% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 3,314 |
| Noncurrent loans to loans | 0.7656% | 3,198 |
| Net loans and leases to total assets | 74.6442% | 1,560 |
| Net loans and leases to deposits | 92.8958% | 1,266 |
| Net loans and leases to core deposits | 98.6614% | 1,597 |
| Total domestic deposits to total assets | 80.3526% | 4,787 |
| Equity capital to assets | 10.9998% | 2,879 |
| Core capital (leverage) ratio | 10.0596% | 3,519 |
| Tier 1 risk-based capital ratio | 11.4856% | 5,473 |
| Total risk-based capital ratio | 12.4969% | 5,526 |
| Memoranda: | ||
| Average total assets | $1,542,623,670 | 468 |
| Average earning assets | $1,423,427,000 | 458 |
| Average equity | $171,073,670 | 474 |
| Average total loans | $1,148,883,000 | 432 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 1,875 |
| Cost of funding earning assets | 0.2919% | 4,531 |
| Net interest margin | 4.0769% | 1,338 |
| Noninterest income to average assets | 0.9280% | 1,309 |
| Noninterest expense to average assets | 2.9756% | 2,660 |
| Loan and lease loss provision to assets | 0.1185% | 1,745 |
| Net operating income to assets | 0.9962% | 2,286 |
| Return on assets (ROA) | 0.9962% | 2,414 |
| Pretax return on assets | 1.5962% | 1,276 |
| Return on Equity (ROE) | 8.9463% | 2,469 |
| Retained earnings to average equity (ytd only) | 8.9463% | 1,214 |
| Net charge-offs to loans | 0.0049% | 3,150 |
| Credit loss provision to net charge-offs | 3,250.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 470.1429% | 116 |
| Efficiency ratio | 63.4415% | 4,563 |
| Assets per employee ($millions) | 3.9194% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 4,261 |
| Loan loss allowance to noncurrent loans | 122.1576% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 3,060 |
| Noncurrent loans to loans | 0.9413% | 2,894 |
| Net loans and leases to total assets | 73.3168% | 1,595 |
| Net loans and leases to deposits | 88.8177% | 1,530 |
| Net loans and leases to core deposits | 95.1092% | 1,686 |
| Total domestic deposits to total assets | 82.5476% | 4,326 |
| Equity capital to assets | 11.1468% | 2,810 |
| Core capital (leverage) ratio | 10.2868% | 3,232 |
| Tier 1 risk-based capital ratio | 11.5314% | 5,543 |
| Total risk-based capital ratio | 12.5203% | 5,591 |
| Memoranda: | ||
| Average total assets | $1,535,424,000 | 468 |
| Average earning assets | $1,416,953,000 | 459 |
| Average equity | $170,976,000 | 474 |
| Average total loans | $1,135,423,500 | 435 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 1,712 |
| Cost of funding earning assets | 0.3647% | 4,088 |
| Net interest margin | 4.1797% | 1,357 |
| Noninterest income to average assets | 1.0513% | 1,102 |
| Noninterest expense to average assets | 3.2626% | 2,030 |
| Loan and lease loss provision to assets | 0.1167% | 2,225 |
| Net operating income to assets | 0.9706% | 2,526 |
| Return on assets (ROA) | 0.9706% | 2,613 |
| Pretax return on assets | 1.5125% | 1,496 |
| Return on Equity (ROE) | 8.6165% | 2,779 |
| Retained earnings to average equity (ytd only) | 6.4562% | 1,672 |
| Net charge-offs to loans | 0.0400% | 4,021 |
| Credit loss provision to net charge-offs | 404.3373% | 638 |
| Earnings coverage of net charge-offs (x) | 56.4627% | 838 |
| Efficiency ratio | 66.6956% | 4,112 |
| Assets per employee ($millions) | 4.1270% | 3,669 |
| Cash dividends to net income (ytd only)* | 25.0716% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 4,324 |
| Loan loss allowance to noncurrent loans | 108.2480% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 2,963 |
| Noncurrent loans to loans | 1.0558% | 2,712 |
| Net loans and leases to total assets | 72.8800% | 1,781 |
| Net loans and leases to deposits | 91.5519% | 1,339 |
| Net loans and leases to core deposits | 95.1334% | 1,796 |
| Total domestic deposits to total assets | 79.6051% | 5,120 |
| Equity capital to assets | 11.1238% | 2,779 |
| Core capital (leverage) ratio | 10.1440% | 3,375 |
| Tier 1 risk-based capital ratio | 11.7782% | 5,502 |
| Total risk-based capital ratio | 12.7849% | 5,558 |
| Memoranda: | ||
| Average total assets | $1,438,286,600 | 490 |
| Average earning assets | $1,321,527,400 | 480 |
| Average equity | $162,014,800 | 477 |
| Average total loans | $1,037,344,200 | 444 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 1,684 |
| Cost of funding earning assets | 0.3798% | 4,022 |
| Net interest margin | 4.1759% | 1,361 |
| Noninterest income to average assets | 1.0396% | 1,136 |
| Noninterest expense to average assets | 3.2284% | 2,094 |
| Loan and lease loss provision to assets | 0.0413% | 3,577 |
| Net operating income to assets | 1.0053% | 2,428 |
| Return on assets (ROA) | 1.0053% | 2,493 |
| Pretax return on assets | 1.6033% | 1,315 |
| Return on Equity (ROE) | 8.8949% | 2,743 |
| Retained earnings to average equity (ytd only) | 7.8551% | 1,425 |
| Net charge-offs to loans | 0.0312% | 3,862 |
| Credit loss provision to net charge-offs | 184.4538% | 1,357 |
| Earnings coverage of net charge-offs (x) | 73.4989% | 750 |
| Efficiency ratio | 66.2506% | 4,179 |
| Assets per employee ($millions) | 3.9774% | 3,940 |
| Cash dividends to net income (ytd only)* | 11.6899% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 4,749 |
| Loan loss allowance to noncurrent loans | 99.4660% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0256% | 2,910 |
| Noncurrent loans to loans | 1.1059% | 2,858 |
| Net loans and leases to total assets | 71.6913% | 1,909 |
| Net loans and leases to deposits | 87.8478% | 1,694 |
| Net loans and leases to core deposits | 90.6079% | 2,166 |
| Total domestic deposits to total assets | 81.6085% | 4,628 |
| Equity capital to assets | 11.3049% | 2,653 |
| Core capital (leverage) ratio | 10.3451% | 3,220 |
| Tier 1 risk-based capital ratio | 12.0083% | 5,478 |
| Total risk-based capital ratio | 12.9573% | 5,587 |
| Memoranda: | ||
| Average total assets | $1,418,169,750 | 490 |
| Average earning assets | $1,301,852,000 | 485 |
| Average equity | $160,282,750 | 478 |
| Average total loans | $1,016,764,250 | 446 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 1,656 |
| Cost of funding earning assets | 0.3885% | 4,013 |
| Net interest margin | 4.1670% | 1,324 |
| Noninterest income to average assets | 1.0549% | 1,069 |
| Noninterest expense to average assets | 3.3092% | 1,902 |
| Loan and lease loss provision to assets | -0.0136% | 6,238 |
| Net operating income to assets | 0.9923% | 2,350 |
| Return on assets (ROA) | 0.9923% | 2,428 |
| Pretax return on assets | 1.5830% | 1,298 |
| Return on Equity (ROE) | 8.7808% | 2,702 |
| Retained earnings to average equity (ytd only) | 7.2011% | 1,667 |
| Net charge-offs to loans | 0.0228% | 3,749 |
| Credit loss provision to net charge-offs | -83.3333% | 5,226 |
| Earnings coverage of net charge-offs (x) | 96.3947% | 566 |
| Efficiency ratio | 67.8299% | 4,037 |
| Assets per employee ($millions) | 3.9041% | 4,052 |
| Cash dividends to net income (ytd only)* | 17.9908% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 4,921 |
| Loan loss allowance to noncurrent loans | 100.5237% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 3,040 |
| Noncurrent loans to loans | 1.0919% | 3,049 |
| Net loans and leases to total assets | 70.6381% | 1,977 |
| Net loans and leases to deposits | 87.5112% | 1,655 |
| Net loans and leases to core deposits | 91.0486% | 2,028 |
| Total domestic deposits to total assets | 80.7189% | 5,064 |
| Equity capital to assets | 11.3126% | 2,595 |
| Core capital (leverage) ratio | 10.3608% | 3,126 |
| Tier 1 risk-based capital ratio | 12.0546% | 5,510 |
| Total risk-based capital ratio | 12.9987% | 5,606 |
| Memoranda: | ||
| Average total assets | $1,400,346,000 | 493 |
| Average earning assets | $1,284,992,330 | 491 |
| Average equity | $158,254,670 | 478 |
| Average total loans | $1,000,095,000 | 450 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 1,764 |
| Cost of funding earning assets | 0.3992% | 3,975 |
| Net interest margin | 4.1159% | 1,417 |
| Noninterest income to average assets | 1.0616% | 991 |
| Noninterest expense to average assets | 3.1805% | 2,292 |
| Loan and lease loss provision to assets | 0.2418% | 906 |
| Net operating income to assets | 0.8924% | 2,688 |
| Return on assets (ROA) | 0.8924% | 2,753 |
| Pretax return on assets | 1.4128% | 1,704 |
| Return on Equity (ROE) | 7.9011% | 2,975 |
| Retained earnings to average equity (ytd only) | 7.9011% | 1,633 |
| Net charge-offs to loans | 0.0154% | 3,283 |
| Credit loss provision to net charge-offs | 2,192.1053% | 159 |
| Earnings coverage of net charge-offs (x) | 150.0263% | 325 |
| Efficiency ratio | 65.7803% | 4,567 |
| Assets per employee ($millions) | 3.7186% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 4,367 |
| Loan loss allowance to noncurrent loans | 113.9582% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 3,164 |
| Noncurrent loans to loans | 1.0985% | 3,223 |
| Net loans and leases to total assets | 69.7348% | 1,941 |
| Net loans and leases to deposits | 83.9259% | 1,829 |
| Net loans and leases to core deposits | 87.4822% | 2,148 |
| Total domestic deposits to total assets | 83.0909% | 4,579 |
| Equity capital to assets | 11.3115% | 2,406 |
| Core capital (leverage) ratio | 10.3890% | 3,061 |
| Tier 1 risk-based capital ratio | 12.3498% | 5,410 |
| Total risk-based capital ratio | 13.4234% | 5,452 |
| Memoranda: | ||
| Average total assets | $1,378,257,500 | 503 |
| Average earning assets | $1,263,588,500 | 494 |
| Average equity | $155,675,500 | 482 |
| Average total loans | $984,289,000 | 456 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 1,542 |
| Cost of funding earning assets | 0.4234% | 4,394 |
| Net interest margin | 4.2872% | 1,143 |
| Noninterest income to average assets | 1.1995% | 978 |
| Noninterest expense to average assets | 3.4620% | 1,746 |
| Loan and lease loss provision to assets | 0.1051% | 3,038 |
| Net operating income to assets | 1.0070% | 2,296 |
| Return on assets (ROA) | 1.0141% | 2,332 |
| Pretax return on assets | 1.5598% | 1,269 |
| Return on Equity (ROE) | 8.8202% | 2,630 |
| Retained earnings to average equity (ytd only) | 7.6314% | 1,179 |
| Net charge-offs to loans | 0.1285% | 3,529 |
| Credit loss provision to net charge-offs | 116.4983% | 2,070 |
| Earnings coverage of net charge-offs (x) | 18.3350% | 1,656 |
| Efficiency ratio | 67.6700% | 4,260 |
| Assets per employee ($millions) | 3.6912% | 4,497 |
| Cash dividends to net income (ytd only)* | 13.4781% | 3,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 4,798 |
| Loan loss allowance to noncurrent loans | 132.9299% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9355% | 3,566 |
| Noncurrent loans to loans | 0.8819% | 3,780 |
| Net loans and leases to total assets | 71.3843% | 1,777 |
| Net loans and leases to deposits | 85.9930% | 1,689 |
| Net loans and leases to core deposits | 88.5406% | 2,187 |
| Total domestic deposits to total assets | 83.0118% | 4,542 |
| Equity capital to assets | 11.2783% | 2,363 |
| Core capital (leverage) ratio | 10.4867% | 2,936 |
| Tier 1 risk-based capital ratio | 12.1782% | 5,507 |
| Total risk-based capital ratio | 13.1855% | 5,597 |
| Memoranda: | ||
| Average total assets | $1,316,926,600 | 503 |
| Average earning assets | $1,203,050,200 | 497 |
| Average equity | $151,414,000 | 487 |
| Average total loans | $924,330,800 | 458 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6808% | 1,650 |
| Cost of funding earning assets | 0.4228% | 4,582 |
| Net interest margin | 4.2580% | 1,193 |
| Noninterest income to average assets | 1.2326% | 967 |
| Noninterest expense to average assets | 3.3113% | 2,050 |
| Loan and lease loss provision to assets | 0.1555% | 2,316 |
| Net operating income to assets | 1.0576% | 2,158 |
| Return on assets (ROA) | 1.0670% | 2,217 |
| Pretax return on assets | 1.6671% | 1,169 |
| Return on Equity (ROE) | 9.2346% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.2346% | 986 |
| Net charge-offs to loans | 0.1466% | 3,079 |
| Credit loss provision to net charge-offs | 152.3000% | 1,547 |
| Earnings coverage of net charge-offs (x) | 17.7040% | 1,719 |
| Efficiency ratio | 64.6838% | 4,697 |
| Assets per employee ($millions) | 3.7346% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 4,617 |
| Loan loss allowance to noncurrent loans | 118.8377% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 3,286 |
| Noncurrent loans to loans | 1.0557% | 3,691 |
| Net loans and leases to total assets | 69.4306% | 2,061 |
| Net loans and leases to deposits | 89.3584% | 1,237 |
| Net loans and leases to core deposits | 92.3757% | 1,736 |
| Total domestic deposits to total assets | 77.6990% | 5,947 |
| Equity capital to assets | 11.4115% | 2,369 |
| Core capital (leverage) ratio | 10.7335% | 2,748 |
| Tier 1 risk-based capital ratio | 12.4923% | 5,463 |
| Total risk-based capital ratio | 13.5574% | 5,510 |
| Memoranda: | ||
| Average total assets | $1,305,647,250 | 506 |
| Average earning assets | $1,191,769,250 | 503 |
| Average equity | $150,863,500 | 493 |
| Average total loans | $909,458,750 | 463 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 1,635 |
| Cost of funding earning assets | 0.4366% | 4,588 |
| Net interest margin | 4.2374% | 1,177 |
| Noninterest income to average assets | 1.3530% | 857 |
| Noninterest expense to average assets | 3.4696% | 1,676 |
| Loan and lease loss provision to assets | 0.1451% | 2,525 |
| Net operating income to assets | 1.0217% | 2,234 |
| Return on assets (ROA) | 1.0360% | 2,292 |
| Pretax return on assets | 1.6274% | 1,286 |
| Return on Equity (ROE) | 8.9274% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.9274% | 1,155 |
| Net charge-offs to loans | 0.1905% | 2,613 |
| Credit loss provision to net charge-offs | 109.7076% | 2,015 |
| Earnings coverage of net charge-offs (x) | 13.2316% | 1,914 |
| Efficiency ratio | 66.4691% | 4,458 |
| Assets per employee ($millions) | 3.5516% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 4,763 |
| Loan loss allowance to noncurrent loans | 137.2596% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 3,670 |
| Noncurrent loans to loans | 0.9061% | 4,116 |
| Net loans and leases to total assets | 70.3325% | 1,828 |
| Net loans and leases to deposits | 88.8602% | 1,244 |
| Net loans and leases to core deposits | 92.0281% | 1,706 |
| Total domestic deposits to total assets | 79.1496% | 5,782 |
| Equity capital to assets | 11.7190% | 2,115 |
| Core capital (leverage) ratio | 10.4693% | 2,922 |
| Tier 1 risk-based capital ratio | 12.6095% | 5,423 |
| Total risk-based capital ratio | 13.6740% | 5,496 |
| Memoranda: | ||
| Average total assets | $1,292,710,000 | 511 |
| Average earning assets | $1,179,696,670 | 505 |
| Average equity | $150,010,330 | 496 |
| Average total loans | $897,503,000 | 467 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,048 |
| Cost of funding earning assets | 0.4469% | 4,627 |
| Net interest margin | 4.0861% | 1,500 |
| Noninterest income to average assets | 1.4981% | 690 |
| Noninterest expense to average assets | 3.3942% | 1,847 |
| Loan and lease loss provision to assets | 0.1764% | 2,102 |
| Net operating income to assets | 1.0553% | 2,016 |
| Return on assets (ROA) | 1.0553% | 2,128 |
| Pretax return on assets | 1.6566% | 1,176 |
| Return on Equity (ROE) | 9.1388% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.1388% | 1,341 |
| Net charge-offs to loans | 0.0951% | 2,900 |
| Credit loss provision to net charge-offs | 270.6161% | 868 |
| Earnings coverage of net charge-offs (x) | 28.1137% | 994 |
| Efficiency ratio | 64.9326% | 4,834 |
| Assets per employee ($millions) | 3.6938% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 4,676 |
| Loan loss allowance to noncurrent loans | 125.1953% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.1113% | 3,711 |
| Noncurrent loans to loans | 1.0414% | 4,056 |
| Net loans and leases to total assets | 67.7148% | 2,066 |
| Net loans and leases to deposits | 82.0199% | 1,825 |
| Net loans and leases to core deposits | 84.6605% | 2,246 |
| Total domestic deposits to total assets | 82.5590% | 5,003 |
| Equity capital to assets | 11.5297% | 2,383 |
| Core capital (leverage) ratio | 10.4634% | 2,831 |
| Tier 1 risk-based capital ratio | 12.5139% | 5,568 |
| Total risk-based capital ratio | 13.6234% | 5,611 |
| Memoranda: | ||
| Average total assets | $1,294,443,000 | 513 |
| Average earning assets | $1,181,369,500 | 508 |
| Average equity | $149,472,000 | 499 |
| Average total loans | $887,166,000 | 470 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8054% | 2,170 |
| Cost of funding earning assets | 0.6408% | 4,000 |
| Net interest margin | 4.1646% | 1,761 |
| Noninterest income to average assets | 1.5426% | 663 |
| Noninterest expense to average assets | 3.4756% | 1,880 |
| Loan and lease loss provision to assets | -0.0612% | 6,881 |
| Net operating income to assets | 1.2551% | 1,435 |
| Return on assets (ROA) | 1.3139% | 1,403 |
| Pretax return on assets | 2.0128% | 584 |
| Return on Equity (ROE) | 11.5840% | 1,626 |
| Retained earnings to average equity (ytd only) | 6.9910% | 1,569 |
| Net charge-offs to loans | 0.1025% | 4,644 |
| Credit loss provision to net charge-offs | -93.0260% | 6,328 |
| Earnings coverage of net charge-offs (x) | 28.2931% | 1,047 |
| Efficiency ratio | 65.1262% | 4,681 |
| Assets per employee ($millions) | 3.9183% | 4,110 |
| Cash dividends to net income (ytd only)* | 39.6497% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 4,671 |
| Loan loss allowance to noncurrent loans | 110.7995% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 3,667 |
| Noncurrent loans to loans | 1.1665% | 3,905 |
| Net loans and leases to total assets | 67.5774% | 2,263 |
| Net loans and leases to deposits | 81.0805% | 2,135 |
| Net loans and leases to core deposits | 83.9147% | 2,563 |
| Total domestic deposits to total assets | 83.3460% | 4,586 |
| Equity capital to assets | 11.5650% | 2,384 |
| Core capital (leverage) ratio | 9.5113% | 4,088 |
| Tier 1 risk-based capital ratio | 12.4716% | 5,498 |
| Total risk-based capital ratio | 13.5770% | 5,535 |
| Memoranda: | ||
| Average total assets | $1,286,109,600 | 517 |
| Average earning assets | $1,171,685,000 | 507 |
| Average equity | $145,874,200 | 497 |
| Average total loans | $825,699,800 | 495 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7891% | 2,429 |
| Cost of funding earning assets | 0.6433% | 4,250 |
| Net interest margin | 4.1459% | 1,917 |
| Noninterest income to average assets | 1.4525% | 707 |
| Noninterest expense to average assets | 3.1421% | 2,749 |
| Loan and lease loss provision to assets | -0.0371% | 6,982 |
| Net operating income to assets | 1.3490% | 1,327 |
| Return on assets (ROA) | 1.3490% | 1,475 |
| Pretax return on assets | 2.1236% | 542 |
| Return on Equity (ROE) | 11.9521% | 1,655 |
| Retained earnings to average equity (ytd only) | 11.0345% | 680 |
| Net charge-offs to loans | 0.1227% | 4,147 |
| Credit loss provision to net charge-offs | -47.8610% | 6,171 |
| Earnings coverage of net charge-offs (x) | 26.9331% | 1,199 |
| Efficiency ratio | 60.0935% | 5,479 |
| Assets per employee ($millions) | 4.1841% | 3,510 |
| Cash dividends to net income (ytd only)* | 7.6775% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 4,415 |
| Loan loss allowance to noncurrent loans | 79.2730% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5220% | 3,299 |
| Noncurrent loans to loans | 1.7545% | 3,147 |
| Net loans and leases to total assets | 63.0211% | 3,202 |
| Net loans and leases to deposits | 76.7379% | 2,864 |
| Net loans and leases to core deposits | 79.4120% | 3,279 |
| Total domestic deposits to total assets | 82.1252% | 4,971 |
| Equity capital to assets | 11.4113% | 2,836 |
| Core capital (leverage) ratio | 9.9688% | 3,583 |
| Tier 1 risk-based capital ratio | 12.8854% | 5,336 |
| Total risk-based capital ratio | 14.0635% | 5,359 |
| Memoranda: | ||
| Average total assets | $1,287,320,000 | 522 |
| Average earning assets | $1,172,516,500 | 510 |
| Average equity | $145,298,000 | 495 |
| Average total loans | $812,828,750 | 501 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 2,241 |
| Cost of funding earning assets | 0.6755% | 4,222 |
| Net interest margin | 4.1919% | 1,775 |
| Noninterest income to average assets | 1.3197% | 817 |
| Noninterest expense to average assets | 3.1784% | 2,659 |
| Loan and lease loss provision to assets | -0.0617% | 7,088 |
| Net operating income to assets | 1.2819% | 1,486 |
| Return on assets (ROA) | 1.2819% | 1,647 |
| Pretax return on assets | 2.0144% | 682 |
| Return on Equity (ROE) | 11.4017% | 1,849 |
| Retained earnings to average equity (ytd only) | 11.4017% | 675 |
| Net charge-offs to loans | 0.1106% | 4,074 |
| Credit loss provision to net charge-offs | -88.6878% | 6,055 |
| Earnings coverage of net charge-offs (x) | 28.0882% | 1,114 |
| Efficiency ratio | 61.9429% | 5,258 |
| Assets per employee ($millions) | 3.9343% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 4,143 |
| Loan loss allowance to noncurrent loans | 92.4653% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.5006% | 3,449 |
| Noncurrent loans to loans | 1.5942% | 3,517 |
| Net loans and leases to total assets | 64.0345% | 3,025 |
| Net loans and leases to deposits | 78.9109% | 2,533 |
| Net loans and leases to core deposits | 83.2805% | 2,791 |
| Total domestic deposits to total assets | 81.1479% | 5,418 |
| Equity capital to assets | 11.6066% | 2,482 |
| Core capital (leverage) ratio | 9.8766% | 3,613 |
| Tier 1 risk-based capital ratio | 12.5771% | 5,516 |
| Total risk-based capital ratio | 13.7971% | 5,515 |
| Memoranda: | ||
| Average total assets | $1,271,515,670 | 527 |
| Average earning assets | $1,156,137,330 | 517 |
| Average equity | $142,960,670 | 500 |
| Average total loans | $799,429,000 | 507 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 2,677 |
| Cost of funding earning assets | 0.6993% | 4,287 |
| Net interest margin | 4.0913% | 2,131 |
| Noninterest income to average assets | 1.3264% | 811 |
| Noninterest expense to average assets | 3.1266% | 2,827 |
| Loan and lease loss provision to assets | -0.0119% | 7,106 |
| Net operating income to assets | 1.2312% | 1,655 |
| Return on assets (ROA) | 1.2312% | 1,833 |
| Pretax return on assets | 1.9302% | 828 |
| Return on Equity (ROE) | 11.1296% | 1,968 |
| Retained earnings to average equity (ytd only) | 11.1296% | 998 |
| Net charge-offs to loans | 0.1773% | 3,034 |
| Credit loss provision to net charge-offs | -10.8883% | 5,353 |
| Earnings coverage of net charge-offs (x) | 17.5043% | 1,301 |
| Efficiency ratio | 61.9756% | 5,278 |
| Assets per employee ($millions) | 4.0579% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,899 |
| Loan loss allowance to noncurrent loans | 89.4378% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.6201% | 3,418 |
| Noncurrent loans to loans | 1.7425% | 3,499 |
| Net loans and leases to total assets | 60.8311% | 3,481 |
| Net loans and leases to deposits | 74.1542% | 3,103 |
| Net loans and leases to core deposits | 78.0675% | 3,313 |
| Total domestic deposits to total assets | 82.0332% | 5,285 |
| Equity capital to assets | 10.9432% | 2,973 |
| Core capital (leverage) ratio | 9.8525% | 3,567 |
| Tier 1 risk-based capital ratio | 12.5160% | 5,587 |
| Total risk-based capital ratio | 13.7676% | 5,553 |
| Memoranda: | ||
| Average total assets | $1,273,852,000 | 525 |
| Average earning assets | $1,157,779,000 | 518 |
| Average equity | $140,922,000 | 504 |
| Average total loans | $787,466,500 | 510 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 2,077 |
| Cost of funding earning assets | 0.9219% | 3,947 |
| Net interest margin | 4.2731% | 1,793 |
| Noninterest income to average assets | 1.1559% | 980 |
| Noninterest expense to average assets | 3.3402% | 2,389 |
| Loan and lease loss provision to assets | 0.1399% | 4,870 |
| Net operating income to assets | 0.9816% | 2,274 |
| Return on assets (ROA) | 1.1064% | 1,922 |
| Pretax return on assets | 1.7055% | 980 |
| Return on Equity (ROE) | 9.5372% | 2,234 |
| Retained earnings to average equity (ytd only) | 3.7009% | 3,578 |
| Net charge-offs to loans | 0.2046% | 4,520 |
| Credit loss provision to net charge-offs | 109.0369% | 3,080 |
| Earnings coverage of net charge-offs (x) | 12.8879% | 1,587 |
| Efficiency ratio | 66.8881% | 4,596 |
| Assets per employee ($millions) | 4.2357% | 3,402 |
| Cash dividends to net income (ytd only)* | 61.1948% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 3,238 |
| Loan loss allowance to noncurrent loans | 82.9337% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.9141% | 3,091 |
| Noncurrent loans to loans | 2.0376% | 3,159 |
| Net loans and leases to total assets | 60.7976% | 3,828 |
| Net loans and leases to deposits | 74.9006% | 3,362 |
| Net loans and leases to core deposits | 78.8351% | 3,588 |
| Total domestic deposits to total assets | 81.1710% | 5,400 |
| Equity capital to assets | 11.1884% | 2,810 |
| Core capital (leverage) ratio | 9.6380% | 3,816 |
| Tier 1 risk-based capital ratio | 12.5890% | 5,377 |
| Total risk-based capital ratio | 13.8416% | 5,368 |
| Memoranda: | ||
| Average total assets | $1,181,614,600 | 550 |
| Average earning assets | $1,061,233,400 | 551 |
| Average equity | $137,074,000 | 506 |
| Average total loans | $740,826,800 | 555 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 2,129 |
| Cost of funding earning assets | 0.9593% | 3,964 |
| Net interest margin | 4.2613% | 1,865 |
| Noninterest income to average assets | 1.1399% | 1,016 |
| Noninterest expense to average assets | 3.2709% | 2,597 |
| Loan and lease loss provision to assets | 0.1486% | 4,589 |
| Net operating income to assets | 0.9945% | 2,347 |
| Return on assets (ROA) | 1.0807% | 2,183 |
| Pretax return on assets | 1.6716% | 1,200 |
| Return on Equity (ROE) | 9.2287% | 2,491 |
| Retained earnings to average equity (ytd only) | 3.8615% | 3,979 |
| Net charge-offs to loans | 0.1560% | 4,525 |
| Credit loss provision to net charge-offs | 151.3388% | 2,061 |
| Earnings coverage of net charge-offs (x) | 17.1910% | 1,358 |
| Efficiency ratio | 65.9668% | 4,726 |
| Assets per employee ($millions) | 4.2741% | 3,322 |
| Cash dividends to net income (ytd only)* | 58.1580% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 3,199 |
| Loan loss allowance to noncurrent loans | 72.8660% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 2.3743% | 2,703 |
| Noncurrent loans to loans | 2.3628% | 2,937 |
| Net loans and leases to total assets | 62.2033% | 3,674 |
| Net loans and leases to deposits | 77.4553% | 3,091 |
| Net loans and leases to core deposits | 81.5791% | 3,393 |
| Total domestic deposits to total assets | 80.3087% | 5,647 |
| Equity capital to assets | 11.6373% | 2,551 |
| Core capital (leverage) ratio | 10.3680% | 3,014 |
| Tier 1 risk-based capital ratio | 12.5730% | 5,429 |
| Total risk-based capital ratio | 13.8258% | 5,413 |
| Memoranda: | ||
| Average total assets | $1,166,751,000 | 561 |
| Average earning assets | $1,045,501,000 | 569 |
| Average equity | $136,628,500 | 514 |
| Average total loans | $734,156,000 | 567 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2615% | 2,022 |
| Cost of funding earning assets | 0.9921% | 3,997 |
| Net interest margin | 4.2694% | 1,766 |
| Noninterest income to average assets | 1.2105% | 868 |
| Noninterest expense to average assets | 3.3096% | 2,522 |
| Loan and lease loss provision to assets | 0.1040% | 5,009 |
| Net operating income to assets | 1.0355% | 2,085 |
| Return on assets (ROA) | 1.1647% | 1,757 |
| Pretax return on assets | 1.8138% | 854 |
| Return on Equity (ROE) | 9.9244% | 2,142 |
| Retained earnings to average equity (ytd only) | 3.2538% | 4,196 |
| Net charge-offs to loans | 0.0551% | 5,100 |
| Credit loss provision to net charge-offs | 300.5025% | 1,004 |
| Earnings coverage of net charge-offs (x) | 49.5628% | 627 |
| Efficiency ratio | 65.8566% | 4,903 |
| Assets per employee ($millions) | 4.0995% | 3,549 |
| Cash dividends to net income (ytd only)* | 67.2143% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7860% | 3,036 |
| Loan loss allowance to noncurrent loans | 66.2428% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 2.6406% | 2,527 |
| Noncurrent loans to loans | 2.6961% | 2,702 |
| Net loans and leases to total assets | 64.0798% | 3,446 |
| Net loans and leases to deposits | 81.6904% | 2,495 |
| Net loans and leases to core deposits | 86.7130% | 2,797 |
| Total domestic deposits to total assets | 78.4422% | 6,204 |
| Equity capital to assets | 12.1753% | 1,980 |
| Core capital (leverage) ratio | 10.6998% | 2,518 |
| Tier 1 risk-based capital ratio | 12.7473% | 5,132 |
| Total risk-based capital ratio | 14.0006% | 5,106 |
| Memoranda: | ||
| Average total assets | $1,149,632,330 | 578 |
| Average earning assets | $1,027,270,670 | 583 |
| Average equity | $134,919,670 | 519 |
| Average total loans | $721,882,330 | 586 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0476% | 2,874 |
| Cost of funding earning assets | 1.0056% | 4,165 |
| Net interest margin | 4.0421% | 2,503 |
| Noninterest income to average assets | 1.1972% | 895 |
| Noninterest expense to average assets | 3.2144% | 2,849 |
| Loan and lease loss provision to assets | 0.1698% | 3,930 |
| Net operating income to assets | 0.9372% | 2,415 |
| Return on assets (ROA) | 0.9922% | 2,262 |
| Pretax return on assets | 1.5078% | 1,424 |
| Return on Equity (ROE) | 8.6123% | 2,650 |
| Retained earnings to average equity (ytd only) | 1.1077% | 5,381 |
| Net charge-offs to loans | 0.0848% | 4,103 |
| Credit loss provision to net charge-offs | 325.1656% | 1,004 |
| Earnings coverage of net charge-offs (x) | 30.5298% | 822 |
| Efficiency ratio | 66.8465% | 4,887 |
| Assets per employee ($millions) | 4.1195% | 3,597 |
| Cash dividends to net income (ytd only)* | 87.1384% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 2,824 |
| Loan loss allowance to noncurrent loans | 84.9761% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 2.2278% | 3,033 |
| Noncurrent loans to loans | 2.1890% | 3,334 |
| Net loans and leases to total assets | 59.8257% | 4,301 |
| Net loans and leases to deposits | 75.2518% | 3,544 |
| Net loans and leases to core deposits | 79.5782% | 3,811 |
| Total domestic deposits to total assets | 79.5006% | 6,057 |
| Equity capital to assets | 11.4874% | 2,285 |
| Core capital (leverage) ratio | 10.4387% | 2,668 |
| Tier 1 risk-based capital ratio | 12.9834% | 4,840 |
| Total risk-based capital ratio | 14.2372% | 4,822 |
| Memoranda: | ||
| Average total assets | $1,156,672,500 | 581 |
| Average earning assets | $1,033,436,000 | 587 |
| Average equity | $133,251,000 | 522 |
| Average total loans | $712,378,000 | 600 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4191% | 2,585 |
| Cost of funding earning assets | 1.2409% | 4,278 |
| Net interest margin | 4.1782% | 2,266 |
| Noninterest income to average assets | 1.1073% | 1,212 |
| Noninterest expense to average assets | 2.9707% | 3,954 |
| Loan and lease loss provision to assets | 0.5156% | 3,090 |
| Net operating income to assets | 0.8522% | 2,580 |
| Return on assets (ROA) | 0.9869% | 2,192 |
| Pretax return on assets | 1.5025% | 1,366 |
| Return on Equity (ROE) | 8.5656% | 2,472 |
| Retained earnings to average equity (ytd only) | 6.2333% | 1,700 |
| Net charge-offs to loans | 0.7072% | 2,890 |
| Credit loss provision to net charge-offs | 116.5182% | 3,688 |
| Earnings coverage of net charge-offs (x) | 4.0996% | 3,064 |
| Efficiency ratio | 62.0877% | 5,718 |
| Assets per employee ($millions) | 4.2184% | 3,353 |
| Cash dividends to net income (ytd only)* | 27.2282% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 2,891 |
| Loan loss allowance to noncurrent loans | 117.8204% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.8349% | 3,583 |
| Noncurrent loans to loans | 1.5200% | 4,205 |
| Net loans and leases to total assets | 61.1087% | 4,467 |
| Net loans and leases to deposits | 76.7007% | 3,731 |
| Net loans and leases to core deposits | 81.5013% | 3,977 |
| Total domestic deposits to total assets | 79.6717% | 5,919 |
| Equity capital to assets | 11.5533% | 2,217 |
| Core capital (leverage) ratio | 9.9941% | 3,104 |
| Tier 1 risk-based capital ratio | 13.1233% | 4,508 |
| Total risk-based capital ratio | 14.3770% | 4,463 |
| Memoranda: | ||
| Average total assets | $1,116,444,600 | 592 |
| Average earning assets | $982,614,800 | 609 |
| Average equity | $128,631,400 | 527 |
| Average total loans | $698,486,800 | 628 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3535% | 3,103 |
| Cost of funding earning assets | 1.2859% | 4,319 |
| Net interest margin | 4.0676% | 2,774 |
| Noninterest income to average assets | 1.1056% | 1,153 |
| Noninterest expense to average assets | 3.0810% | 3,419 |
| Loan and lease loss provision to assets | 0.6622% | 2,312 |
| Net operating income to assets | 0.6269% | 3,764 |
| Return on assets (ROA) | 0.6968% | 3,588 |
| Pretax return on assets | 1.0339% | 3,058 |
| Return on Equity (ROE) | 6.0525% | 3,784 |
| Retained earnings to average equity (ytd only) | 4.4842% | 3,359 |
| Net charge-offs to loans | 0.6432% | 2,823 |
| Credit loss provision to net charge-offs | 164.3070% | 2,291 |
| Earnings coverage of net charge-offs (x) | 3.9495% | 3,240 |
| Efficiency ratio | 65.9368% | 4,875 |
| Assets per employee ($millions) | 4.2553% | 3,342 |
| Cash dividends to net income (ytd only)* | 25.9112% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0450% | 2,112 |
| Loan loss allowance to noncurrent loans | 76.6112% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 2.6312% | 2,750 |
| Noncurrent loans to loans | 2.6693% | 2,963 |
| Net loans and leases to total assets | 60.6483% | 4,792 |
| Net loans and leases to deposits | 77.7573% | 3,871 |
| Net loans and leases to core deposits | 82.6456% | 4,144 |
| Total domestic deposits to total assets | 77.9970% | 6,260 |
| Equity capital to assets | 11.7167% | 2,346 |
| Core capital (leverage) ratio | 10.1764% | 3,068 |
| Tier 1 risk-based capital ratio | 12.9464% | 4,615 |
| Total risk-based capital ratio | 14.2024% | 4,595 |
| Memoranda: | ||
| Average total assets | $1,107,646,750 | 595 |
| Average earning assets | $971,356,750 | 616 |
| Average equity | $127,526,250 | 523 |
| Average total loans | $693,962,750 | 629 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3401% | 3,265 |
| Cost of funding earning assets | 1.3265% | 4,368 |
| Net interest margin | 4.0135% | 2,950 |
| Noninterest income to average assets | 1.0473% | 1,229 |
| Noninterest expense to average assets | 2.9914% | 3,742 |
| Loan and lease loss provision to assets | 0.9752% | 1,486 |
| Net operating income to assets | 0.4193% | 4,664 |
| Return on assets (ROA) | 0.5283% | 4,359 |
| Pretax return on assets | 0.7554% | 4,045 |
| Return on Equity (ROE) | 4.6166% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.2418% | 4,728 |
| Net charge-offs to loans | 0.8374% | 2,161 |
| Credit loss provision to net charge-offs | 185.1393% | 2,127 |
| Earnings coverage of net charge-offs (x) | 2.9897% | 3,503 |
| Efficiency ratio | 65.5133% | 5,065 |
| Assets per employee ($millions) | 4.2016% | 3,382 |
| Cash dividends to net income (ytd only)* | 51.4403% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 1,919 |
| Loan loss allowance to noncurrent loans | 72.6198% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 2.7619% | 2,620 |
| Noncurrent loans to loans | 2.9217% | 2,735 |
| Net loans and leases to total assets | 59.8171% | 5,096 |
| Net loans and leases to deposits | 75.8961% | 4,356 |
| Net loans and leases to core deposits | 79.9469% | 4,698 |
| Total domestic deposits to total assets | 78.8144% | 6,084 |
| Equity capital to assets | 11.4853% | 2,459 |
| Core capital (leverage) ratio | 10.0991% | 3,066 |
| Tier 1 risk-based capital ratio | 12.8508% | 4,566 |
| Total risk-based capital ratio | 14.1076% | 4,516 |
| Memoranda: | ||
| Average total assets | $1,103,815,330 | 594 |
| Average earning assets | $967,777,330 | 618 |
| Average equity | $126,326,330 | 525 |
| Average total loans | $694,313,670 | 633 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 4,115 |
| Cost of funding earning assets | 1.3636% | 4,398 |
| Net interest margin | 3.8202% | 3,706 |
| Noninterest income to average assets | 1.2450% | 796 |
| Noninterest expense to average assets | 2.9756% | 3,766 |
| Loan and lease loss provision to assets | 1.5819% | 733 |
| Net operating income to assets | 0.0316% | 6,216 |
| Return on assets (ROA) | 0.2151% | 5,752 |
| Pretax return on assets | 0.2327% | 5,789 |
| Return on Equity (ROE) | 1.8834% | 5,809 |
| Retained earnings to average equity (ytd only) | -2.9048% | 6,344 |
| Net charge-offs to loans | 1.2669% | 1,345 |
| Credit loss provision to net charge-offs | 195.6698% | 1,894 |
| Earnings coverage of net charge-offs (x) | 1.9977% | 3,545 |
| Efficiency ratio | 64.8185% | 5,337 |
| Assets per employee ($millions) | 5.2105% | 1,951 |
| Cash dividends to net income (ytd only)* | 254.2373% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0485% | 2,067 |
| Loan loss allowance to noncurrent loans | 54.7733% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 3.1452% | 2,278 |
| Noncurrent loans to loans | 3.7399% | 2,127 |
| Net loans and leases to total assets | 61.1960% | 4,907 |
| Net loans and leases to deposits | 80.5700% | 3,539 |
| Net loans and leases to core deposits | 86.1044% | 3,875 |
| Total domestic deposits to total assets | 75.9537% | 6,767 |
| Equity capital to assets | 11.3041% | 2,504 |
| Core capital (leverage) ratio | 10.0722% | 3,075 |
| Tier 1 risk-based capital ratio | 12.5198% | 4,726 |
| Total risk-based capital ratio | 13.6691% | 4,769 |
| Memoranda: | ||
| Average total assets | $1,096,910,000 | 619 |
| Average earning assets | $960,694,000 | 635 |
| Average equity | $125,308,000 | 534 |
| Average total loans | $699,959,000 | 648 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7026% | 3,096 |
| Cost of funding earning assets | 1.7292% | 4,359 |
| Net interest margin | 3.9734% | 2,975 |
| Noninterest income to average assets | 1.5221% | 618 |
| Noninterest expense to average assets | 3.1881% | 3,414 |
| Loan and lease loss provision to assets | 0.4767% | 3,976 |
| Net operating income to assets | 0.8852% | 2,228 |
| Return on assets (ROA) | 1.0202% | 1,819 |
| Pretax return on assets | 1.5390% | 1,101 |
| Return on Equity (ROE) | 8.5201% | 2,189 |
| Retained earnings to average equity (ytd only) | -0.4690% | 5,094 |
| Net charge-offs to loans | 0.4770% | 3,872 |
| Credit loss provision to net charge-offs | 148.6168% | 3,137 |
| Earnings coverage of net charge-offs (x) | 5.6460% | 2,536 |
| Efficiency ratio | 63.7732% | 5,817 |
| Assets per employee ($millions) | 5.2366% | 1,906 |
| Cash dividends to net income (ytd only)* | 105.5052% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 2,915 |
| Loan loss allowance to noncurrent loans | 45.3318% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 2.7093% | 2,580 |
| Noncurrent loans to loans | 3.7347% | 2,012 |
| Net loans and leases to total assets | 64.0636% | 4,585 |
| Net loans and leases to deposits | 83.8509% | 3,306 |
| Net loans and leases to core deposits | 98.9515% | 4,122 |
| Total domestic deposits to total assets | 76.4018% | 6,605 |
| Equity capital to assets | 11.5450% | 2,288 |
| Core capital (leverage) ratio | 9.5738% | 3,633 |
| Tier 1 risk-based capital ratio | 12.1991% | 4,773 |
| Total risk-based capital ratio | 13.4515% | 4,732 |
| Memoranda: | ||
| Average total assets | $1,059,358,200 | 635 |
| Average earning assets | $926,998,200 | 656 |
| Average equity | $126,853,200 | 525 |
| Average total loans | $712,337,000 | 651 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8000% | 2,890 |
| Cost of funding earning assets | 1.7945% | 4,408 |
| Net interest margin | 4.0056% | 2,791 |
| Noninterest income to average assets | 1.5651% | 602 |
| Noninterest expense to average assets | 3.1133% | 3,607 |
| Loan and lease loss provision to assets | 0.5056% | 3,365 |
| Net operating income to assets | 0.9355% | 2,286 |
| Return on assets (ROA) | 1.0679% | 1,886 |
| Pretax return on assets | 1.6592% | 1,046 |
| Return on Equity (ROE) | 8.8359% | 2,324 |
| Retained earnings to average equity (ytd only) | 4.1164% | 2,977 |
| Net charge-offs to loans | 0.3461% | 3,909 |
| Credit loss provision to net charge-offs | 215.5051% | 2,034 |
| Earnings coverage of net charge-offs (x) | 8.3452% | 2,263 |
| Efficiency ratio | 61.3912% | 6,212 |
| Assets per employee ($millions) | 5.3339% | 1,756 |
| Cash dividends to net income (ytd only)* | 53.4125% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 2,277 |
| Loan loss allowance to noncurrent loans | 37.5329% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 3.3916% | 1,971 |
| Noncurrent loans to loans | 4.7954% | 1,418 |
| Net loans and leases to total assets | 63.7423% | 4,916 |
| Net loans and leases to deposits | 81.4234% | 4,127 |
| Net loans and leases to core deposits | 95.5660% | 4,856 |
| Total domestic deposits to total assets | 78.2850% | 6,005 |
| Equity capital to assets | 11.8147% | 2,346 |
| Core capital (leverage) ratio | 9.7588% | 3,560 |
| Tier 1 risk-based capital ratio | 12.8431% | 4,296 |
| Total risk-based capital ratio | 14.0969% | 4,235 |
| Memoranda: | ||
| Average total assets | $1,051,897,000 | 649 |
| Average earning assets | $920,732,000 | 674 |
| Average equity | $127,129,250 | 533 |
| Average total loans | $712,971,250 | 667 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8543% | 2,782 |
| Cost of funding earning assets | 1.7650% | 4,930 |
| Net interest margin | 4.0894% | 2,356 |
| Noninterest income to average assets | 1.8179% | 442 |
| Noninterest expense to average assets | 3.1511% | 3,498 |
| Loan and lease loss provision to assets | 0.4954% | 3,061 |
| Net operating income to assets | 1.1072% | 1,746 |
| Return on assets (ROA) | 1.2613% | 1,403 |
| Pretax return on assets | 1.9759% | 595 |
| Return on Equity (ROE) | 10.3539% | 1,900 |
| Retained earnings to average equity (ytd only) | 5.6008% | 2,199 |
| Net charge-offs to loans | 0.2991% | 3,692 |
| Credit loss provision to net charge-offs | 240.8068% | 1,930 |
| Earnings coverage of net charge-offs (x) | 10.8424% | 1,955 |
| Efficiency ratio | 58.5512% | 6,760 |
| Assets per employee ($millions) | 5.3962% | 1,672 |
| Cash dividends to net income (ytd only)* | 45.9067% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 2,347 |
| Loan loss allowance to noncurrent loans | 43.8344% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.8145% | 2,282 |
| Noncurrent loans to loans | 3.8787% | 1,752 |
| Net loans and leases to total assets | 63.4538% | 5,088 |
| Net loans and leases to deposits | 79.2445% | 4,667 |
| Net loans and leases to core deposits | 91.7666% | 5,369 |
| Total domestic deposits to total assets | 80.0734% | 5,447 |
| Equity capital to assets | 11.5369% | 2,516 |
| Core capital (leverage) ratio | 9.4502% | 3,961 |
| Tier 1 risk-based capital ratio | 12.1555% | 4,798 |
| Total risk-based capital ratio | 13.4075% | 4,701 |
| Memoranda: | ||
| Average total assets | $1,036,266,670 | 673 |
| Average earning assets | $903,124,330 | 700 |
| Average equity | $126,233,000 | 549 |
| Average total loans | $712,885,000 | 692 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0102% | 2,317 |
| Cost of funding earning assets | 1.8078% | 5,077 |
| Net interest margin | 4.2024% | 1,892 |
| Noninterest income to average assets | 1.6901% | 476 |
| Noninterest expense to average assets | 3.2264% | 2,875 |
| Loan and lease loss provision to assets | 0.6833% | 1,851 |
| Net operating income to assets | 0.9145% | 2,637 |
| Return on assets (ROA) | 1.0792% | 2,164 |
| Pretax return on assets | 1.6648% | 1,257 |
| Return on Equity (ROE) | 8.1407% | 3,078 |
| Retained earnings to average equity (ytd only) | 4.6151% | 3,359 |
| Net charge-offs to loans | 0.1780% | 3,577 |
| Credit loss provision to net charge-offs | 535.5311% | 1,032 |
| Earnings coverage of net charge-offs (x) | 16.4176% | 1,551 |
| Efficiency ratio | 60.6324% | 6,305 |
| Assets per employee ($millions) | 5.2708% | 1,767 |
| Cash dividends to net income (ytd only)* | 43.3088% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 2,157 |
| Loan loss allowance to noncurrent loans | 45.7630% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 3.0457% | 1,854 |
| Noncurrent loans to loans | 3.7099% | 1,676 |
| Net loans and leases to total assets | 69.1405% | 3,881 |
| Net loans and leases to deposits | 92.6903% | 2,486 |
| Net loans and leases to core deposits | 108.8075% | 3,584 |
| Total domestic deposits to total assets | 74.5931% | 6,786 |
| Equity capital to assets | 12.9179% | 1,784 |
| Core capital (leverage) ratio | 11.4980% | 2,149 |
| Tier 1 risk-based capital ratio | 12.5917% | 4,481 |
| Total risk-based capital ratio | 13.8441% | 4,402 |
| Memoranda: | ||
| Average total assets | $855,820,500 | 820 |
| Average earning assets | $739,479,500 | 866 |
| Average equity | $113,454,500 | 591 |
| Average total loans | $613,584,500 | 802 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6334% | 2,323 |
| Cost of funding earning assets | 2.3057% | 5,119 |
| Net interest margin | 4.3276% | 1,891 |
| Noninterest income to average assets | 1.0662% | 1,383 |
| Noninterest expense to average assets | 3.0504% | 3,895 |
| Loan and lease loss provision to assets | 0.2001% | 4,896 |
| Net operating income to assets | 1.0105% | 2,509 |
| Return on assets (ROA) | 1.0488% | 2,252 |
| Pretax return on assets | 1.5646% | 1,502 |
| Return on Equity (ROE) | 7.8771% | 3,120 |
| Retained earnings to average equity (ytd only) | 5.1366% | 1,942 |
| Net charge-offs to loans | 0.2545% | 3,727 |
| Credit loss provision to net charge-offs | 112.8258% | 4,783 |
| Earnings coverage of net charge-offs (x) | 9.6283% | 2,661 |
| Efficiency ratio | 64.1128% | 5,532 |
| Assets per employee ($millions) | 4.8884% | 2,066 |
| Cash dividends to net income (ytd only)* | 34.7907% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 2,437 |
| Loan loss allowance to noncurrent loans | 65.2189% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.1680% | 2,256 |
| Noncurrent loans to loans | 2.3810% | 2,309 |
| Net loans and leases to total assets | 72.0180% | 3,577 |
| Net loans and leases to deposits | 97.2664% | 2,239 |
| Net loans and leases to core deposits | 114.6457% | 3,268 |
| Total domestic deposits to total assets | 74.0420% | 6,648 |
| Equity capital to assets | 13.6200% | 1,564 |
| Core capital (leverage) ratio | 12.2087% | 1,877 |
| Tier 1 risk-based capital ratio | 13.3475% | 3,899 |
| Total risk-based capital ratio | 14.5992% | 3,807 |
| Memoranda: | ||
| Average total assets | $822,150,000 | 828 |
| Average earning assets | $701,334,800 | 869 |
| Average equity | $109,469,200 | 618 |
| Average total loans | $572,986,000 | 833 |