Home > Wilson Bank and Trust > Performance and Condition Ratios
Wilson Bank and Trust, 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 | 5.1533% | 1,756 |
| Cost of funding earning assets | 1.9459% | 1,000 |
| Net interest margin | 3.2075% | 2,859 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.2821% | 2,896 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1245% | 1,841 |
| Return on assets (ROA) | 1.1058% | 1,877 |
| Pretax return on assets | 1.4249% | 1,584 |
| Return on Equity (ROE) | 12.9500% | 1,741 |
| Retained earnings to average equity (ytd only) | 12.3048% | 604 |
| Net charge-offs to loans | 0.0372% | 1,561 |
| Credit loss provision to net charge-offs | 498.0237% | 681 |
| Earnings coverage of net charge-offs (x) | 54.8498% | 1,238 |
| Efficiency ratio | 60.0107% | 3,076 |
| Assets per employee ($millions) | 8.2673% | 1,297 |
| Cash dividends to net income (ytd only)* | 4.9549% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,039 |
| Loan loss allowance to noncurrent loans | 3,182.9666% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,479 |
| Noncurrent loans to loans | 0.0392% | 3,441 |
| Net loans and leases to total assets | 73.3400% | 1,434 |
| Net loans and leases to deposits | 81.2038% | 2,014 |
| Net loans and leases to core deposits | 94.7414% | 1,724 |
| Total domestic deposits to total assets | 90.3100% | 673 |
| Equity capital to assets | 8.8304% | 2,798 |
| Core capital (leverage) ratio | 10.5685% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5096% | 1,681 |
| Memoranda: | ||
| Average total assets | $4,562,581,400 | 290 |
| Average earning assets | $4,300,350,600 | 283 |
| Average equity | $389,726,800 | 322 |
| Average total loans | $3,397,672,600 | 270 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0428% | 1,746 |
| Cost of funding earning assets | 1.8014% | 1,004 |
| Net interest margin | 3.2414% | 2,818 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.2656% | 2,902 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.1607% | 1,898 |
| Return on assets (ROA) | 1.1595% | 1,882 |
| Pretax return on assets | 1.4944% | 1,568 |
| Return on Equity (ROE) | 13.7000% | 1,734 |
| Retained earnings to average equity (ytd only) | 12.8228% | 843 |
| Net charge-offs to loans | 0.0316% | 1,448 |
| Credit loss provision to net charge-offs | 716.3934% | 502 |
| Earnings coverage of net charge-offs (x) | 66.9508% | 1,140 |
| Efficiency ratio | 58.9779% | 3,089 |
| Assets per employee ($millions) | 7.9171% | 1,386 |
| Cash dividends to net income (ytd only)* | 6.3994% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,038 |
| Loan loss allowance to noncurrent loans | 5,347.0096% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,650 |
| Noncurrent loans to loans | 0.0236% | 3,600 |
| Net loans and leases to total assets | 75.5800% | 1,169 |
| Net loans and leases to deposits | 83.2515% | 1,807 |
| Net loans and leases to core deposits | 97.2904% | 1,491 |
| Total domestic deposits to total assets | 90.7800% | 724 |
| Equity capital to assets | 8.3071% | 2,851 |
| Core capital (leverage) ratio | 10.6153% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9271% | 1,924 |
| Memoranda: | ||
| Average total assets | $4,492,067,750 | 296 |
| Average earning assets | $4,228,473,750 | 287 |
| Average equity | $380,207,750 | 329 |
| Average total loans | $3,347,636,500 | 272 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 1,775 |
| Cost of funding earning assets | 1.5975% | 1,075 |
| Net interest margin | 3.2958% | 2,759 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.2458% | 2,960 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.2155% | 1,790 |
| Return on assets (ROA) | 1.2134% | 1,780 |
| Pretax return on assets | 1.5691% | 1,467 |
| Return on Equity (ROE) | 14.2400% | 1,634 |
| Retained earnings to average equity (ytd only) | 12.9253% | 819 |
| Net charge-offs to loans | 0.0298% | 1,292 |
| Credit loss provision to net charge-offs | 824.4898% | 471 |
| Earnings coverage of net charge-offs (x) | 74.8694% | 1,085 |
| Efficiency ratio | 57.6545% | 3,232 |
| Assets per employee ($millions) | 7.9424% | 1,343 |
| Cash dividends to net income (ytd only)* | 9.2634% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,087 |
| Loan loss allowance to noncurrent loans | 23,566.8478% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,842 |
| Noncurrent loans to loans | 0.0054% | 3,768 |
| Net loans and leases to total assets | 73.4600% | 1,354 |
| Net loans and leases to deposits | 80.9458% | 1,909 |
| Net loans and leases to core deposits | 93.0234% | 1,624 |
| Total domestic deposits to total assets | 90.7600% | 713 |
| Equity capital to assets | 8.5066% | 2,858 |
| Core capital (leverage) ratio | 10.5816% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7886% | 1,991 |
| Memoranda: | ||
| Average total assets | $4,448,227,667 | 291 |
| Average earning assets | $4,185,916,667 | 282 |
| Average equity | $378,915,667 | 318 |
| Average total loans | $3,283,806,667 | 268 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 1,749 |
| Cost of funding earning assets | 1.3141% | 1,203 |
| Net interest margin | 3.4306% | 2,556 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.2624% | 2,922 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2936% | 1,689 |
| Return on assets (ROA) | 1.2922% | 1,668 |
| Pretax return on assets | 1.6701% | 1,341 |
| Return on Equity (ROE) | 15.1600% | 1,526 |
| Retained earnings to average equity (ytd only) | 15.1586% | 781 |
| Net charge-offs to loans | 0.0409% | 948 |
| Credit loss provision to net charge-offs | 596.3526% | 507 |
| Earnings coverage of net charge-offs (x) | 57.6231% | 1,045 |
| Efficiency ratio | 56.6099% | 3,343 |
| Assets per employee ($millions) | 7.9550% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,205 |
| Loan loss allowance to noncurrent loans | 3,898.9652% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,556 |
| Noncurrent loans to loans | 0.0325% | 3,521 |
| Net loans and leases to total assets | 72.1500% | 1,408 |
| Net loans and leases to deposits | 79.6046% | 1,845 |
| Net loans and leases to core deposits | 88.6376% | 1,694 |
| Total domestic deposits to total assets | 90.6300% | 932 |
| Equity capital to assets | 8.6629% | 2,773 |
| Core capital (leverage) ratio | 10.6899% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6847% | 2,102 |
| Memoranda: | ||
| Average total assets | $4,373,021,000 | 305 |
| Average earning assets | $4,108,826,500 | 294 |
| Average equity | $372,779,500 | 333 |
| Average total loans | $3,214,866,000 | 281 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 1,605 |
| Cost of funding earning assets | 0.4173% | 1,965 |
| Net interest margin | 3.6267% | 1,570 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.3184% | 2,670 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.3658% | 1,225 |
| Return on assets (ROA) | 1.3352% | 1,285 |
| Pretax return on assets | 1.7195% | 881 |
| Return on Equity (ROE) | 14.8300% | 1,302 |
| Retained earnings to average equity (ytd only) | 13.6964% | 425 |
| Net charge-offs to loans | 0.0324% | 1,424 |
| Credit loss provision to net charge-offs | 950.1647% | 449 |
| Earnings coverage of net charge-offs (x) | 87.6828% | 1,034 |
| Efficiency ratio | 54.3864% | 3,763 |
| Assets per employee ($millions) | 7.6068% | 1,540 |
| Cash dividends to net income (ytd only)* | 7.6572% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,094 |
| Loan loss allowance to noncurrent loans | 4,581.4730% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,644 |
| Noncurrent loans to loans | 0.0275% | 3,594 |
| Net loans and leases to total assets | 73.0500% | 1,310 |
| Net loans and leases to deposits | 80.2109% | 1,755 |
| Net loans and leases to core deposits | 86.2439% | 1,733 |
| Total domestic deposits to total assets | 91.0700% | 929 |
| Equity capital to assets | 8.3794% | 2,784 |
| Core capital (leverage) ratio | 11.1185% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4286% | 2,190 |
| Memoranda: | ||
| Average total assets | $4,108,126,800 | 310 |
| Average earning assets | $3,865,792,200 | 297 |
| Average equity | $369,805,200 | 332 |
| Average total loans | $2,812,418,000 | 294 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8847% | 1,520 |
| Cost of funding earning assets | 0.2880% | 2,302 |
| Net interest margin | 3.5967% | 1,396 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.2832% | 2,680 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.3905% | 1,119 |
| Return on assets (ROA) | 1.3833% | 1,103 |
| Pretax return on assets | 1.7887% | 749 |
| Return on Equity (ROE) | 15.0900% | 1,154 |
| Retained earnings to average equity (ytd only) | 13.5918% | 525 |
| Net charge-offs to loans | 0.0268% | 1,287 |
| Credit loss provision to net charge-offs | 1,105.8394% | 388 |
| Earnings coverage of net charge-offs (x) | 110.6131% | 891 |
| Efficiency ratio | 53.4739% | 3,870 |
| Assets per employee ($millions) | 7.5315% | 1,595 |
| Cash dividends to net income (ytd only)* | 9.9502% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 2,240 |
| Loan loss allowance to noncurrent loans | 6,946.3956% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,836 |
| Noncurrent loans to loans | 0.0181% | 3,793 |
| Net loans and leases to total assets | 72.0500% | 1,295 |
| Net loans and leases to deposits | 79.1637% | 1,622 |
| Net loans and leases to core deposits | 82.6647% | 1,724 |
| Total domestic deposits to total assets | 91.0100% | 1,239 |
| Equity capital to assets | 8.2873% | 2,690 |
| Core capital (leverage) ratio | 10.9076% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4382% | 2,297 |
| Memoranda: | ||
| Average total assets | $4,068,308,000 | 310 |
| Average earning assets | $3,832,409,750 | 300 |
| Average equity | $372,861,250 | 332 |
| Average total loans | $2,726,281,500 | 296 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 1,662 |
| Cost of funding earning assets | 0.2291% | 2,517 |
| Net interest margin | 3.4278% | 1,520 |
| Noninterest income to average assets | 0.9078% | 826 |
| Noninterest expense to average assets | 2.2733% | 2,624 |
| Loan and lease loss provision to assets | 0.1841% | 477 |
| Net operating income to assets | 1.3049% | 1,123 |
| Return on assets (ROA) | 1.3048% | 1,108 |
| Pretax return on assets | 1.6848% | 781 |
| Return on Equity (ROE) | 13.7909% | 1,167 |
| Retained earnings to average equity (ytd only) | 13.7909% | 384 |
| Net charge-offs to loans | 0.0263% | 1,188 |
| Credit loss provision to net charge-offs | 1,013.5447% | 398 |
| Earnings coverage of net charge-offs (x) | 109.2363% | 776 |
| Efficiency ratio | 54.8798% | 3,878 |
| Assets per employee ($millions) | 7.4358% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,340 |
| Loan loss allowance to noncurrent loans | 2,706.4516% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,660 |
| Noncurrent loans to loans | 0.0469% | 3,596 |
| Net loans and leases to total assets | 66.9544% | 1,592 |
| Net loans and leases to deposits | 74.0024% | 1,871 |
| Net loans and leases to core deposits | 76.8905% | 1,933 |
| Total domestic deposits to total assets | 90.4759% | 1,482 |
| Equity capital to assets | 8.8589% | 2,487 |
| Core capital (leverage) ratio | 10.7113% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4103% | 2,337 |
| Memoranda: | ||
| Average total assets | $4,056,189,667 | 310 |
| Average earning assets | $3,827,455,667 | 304 |
| Average equity | $383,759,333 | 321 |
| Average total loans | $2,636,749,000 | 298 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 1,881 |
| Cost of funding earning assets | 0.2245% | 2,467 |
| Net interest margin | 3.2523% | 1,714 |
| Noninterest income to average assets | 0.9462% | 762 |
| Noninterest expense to average assets | 2.2636% | 2,640 |
| Loan and lease loss provision to assets | 0.2693% | 232 |
| Net operating income to assets | 1.1669% | 1,336 |
| Return on assets (ROA) | 1.1669% | 1,332 |
| Pretax return on assets | 1.4887% | 1,036 |
| Return on Equity (ROE) | 11.9474% | 1,327 |
| Retained earnings to average equity (ytd only) | 11.9474% | 612 |
| Net charge-offs to loans | 0.0284% | 1,035 |
| Credit loss provision to net charge-offs | 1,039.5604% | 322 |
| Earnings coverage of net charge-offs (x) | 97.4560% | 683 |
| Efficiency ratio | 56.2859% | 3,855 |
| Assets per employee ($millions) | 7.5986% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,448 |
| Loan loss allowance to noncurrent loans | 22,222.3684% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,060 |
| Noncurrent loans to loans | 0.0058% | 3,992 |
| Net loans and leases to total assets | 63.5379% | 1,679 |
| Net loans and leases to deposits | 70.5362% | 1,910 |
| Net loans and leases to core deposits | 73.1272% | 2,010 |
| Total domestic deposits to total assets | 90.0785% | 1,518 |
| Equity capital to assets | 9.2363% | 2,494 |
| Core capital (leverage) ratio | 10.5717% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5481% | 2,396 |
| Memoranda: | ||
| Average total assets | $4,035,730,500 | 316 |
| Average earning assets | $3,816,134,000 | 308 |
| Average equity | $394,160,500 | 321 |
| Average total loans | $2,565,908,000 | 303 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7157% | 2,064 |
| Cost of funding earning assets | 0.3075% | 2,331 |
| Net interest margin | 3.4083% | 2,001 |
| Noninterest income to average assets | 1.0445% | 926 |
| Noninterest expense to average assets | 2.4333% | 2,381 |
| Loan and lease loss provision to assets | 0.0312% | 2,429 |
| Net operating income to assets | 1.3890% | 1,315 |
| Return on assets (ROA) | 1.3896% | 1,367 |
| Pretax return on assets | 1.8050% | 906 |
| Return on Equity (ROE) | 12.9613% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.8656% | 550 |
| Net charge-offs to loans | 0.0021% | 2,566 |
| Credit loss provision to net charge-offs | 2,286.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 1,343.7600% | 109 |
| Efficiency ratio | 57.0027% | 3,580 |
| Assets per employee ($millions) | 7.2817% | 1,745 |
| Cash dividends to net income (ytd only)* | 8.4534% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 1,288 |
| Loan loss allowance to noncurrent loans | 10,188.1748% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 4,054 |
| Noncurrent loans to loans | 0.0156% | 3,975 |
| Net loans and leases to total assets | 61.7765% | 1,970 |
| Net loans and leases to deposits | 69.1487% | 2,211 |
| Net loans and leases to core deposits | 71.9713% | 2,264 |
| Total domestic deposits to total assets | 89.3385% | 1,332 |
| Equity capital to assets | 10.3132% | 2,352 |
| Core capital (leverage) ratio | 10.6735% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,660,566,800 | 323 |
| Average earning assets | $3,462,976,800 | 313 |
| Average equity | $392,452,800 | 323 |
| Average total loans | $2,407,648,600 | 311 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7480% | 2,149 |
| Cost of funding earning assets | 0.3306% | 2,293 |
| Net interest margin | 3.4174% | 2,106 |
| Noninterest income to average assets | 1.0686% | 969 |
| Noninterest expense to average assets | 2.4759% | 2,196 |
| Loan and lease loss provision to assets | 0.0377% | 2,238 |
| Net operating income to assets | 1.3707% | 1,629 |
| Return on assets (ROA) | 1.3715% | 1,680 |
| Pretax return on assets | 1.7878% | 1,187 |
| Return on Equity (ROE) | 12.6590% | 1,816 |
| Retained earnings to average equity (ytd only) | 11.1816% | 1,018 |
| Net charge-offs to loans | 0.0134% | 1,827 |
| Credit loss provision to net charge-offs | 421.6667% | 835 |
| Earnings coverage of net charge-offs (x) | 204.2125% | 548 |
| Efficiency ratio | 57.5743% | 3,340 |
| Assets per employee ($millions) | 7.1684% | 1,759 |
| Cash dividends to net income (ytd only)* | 11.6708% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 1,286 |
| Loan loss allowance to noncurrent loans | 13,890.8127% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,203 |
| Noncurrent loans to loans | 0.0117% | 4,120 |
| Net loans and leases to total assets | 62.9210% | 1,900 |
| Net loans and leases to deposits | 70.8111% | 2,164 |
| Net loans and leases to core deposits | 73.6096% | 2,276 |
| Total domestic deposits to total assets | 88.8575% | 1,366 |
| Equity capital to assets | 10.5736% | 2,398 |
| Core capital (leverage) ratio | 10.6651% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,581,752,000 | 330 |
| Average earning assets | $3,387,115,750 | 319 |
| Average equity | $388,057,500 | 325 |
| Average total loans | $2,385,621,500 | 316 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 2,293 |
| Cost of funding earning assets | 0.3499% | 2,317 |
| Net interest margin | 3.3654% | 2,256 |
| Noninterest income to average assets | 1.0928% | 937 |
| Noninterest expense to average assets | 2.5094% | 2,113 |
| Loan and lease loss provision to assets | 0.0502% | 2,028 |
| Net operating income to assets | 1.3176% | 1,810 |
| Return on assets (ROA) | 1.3176% | 1,879 |
| Pretax return on assets | 1.7160% | 1,443 |
| Return on Equity (ROE) | 12.0566% | 2,037 |
| Retained earnings to average equity (ytd only) | 12.0566% | 903 |
| Net charge-offs to loans | 0.0090% | 1,802 |
| Credit loss provision to net charge-offs | 824.2991% | 528 |
| Earnings coverage of net charge-offs (x) | 289.8318% | 384 |
| Efficiency ratio | 58.6909% | 3,188 |
| Assets per employee ($millions) | 6.8856% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 1,211 |
| Loan loss allowance to noncurrent loans | 3,544.9955% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 4,045 |
| Noncurrent loans to loans | 0.0460% | 3,952 |
| Net loans and leases to total assets | 65.1785% | 1,802 |
| Net loans and leases to deposits | 73.5012% | 2,048 |
| Net loans and leases to core deposits | 76.5980% | 2,182 |
| Total domestic deposits to total assets | 88.6767% | 1,466 |
| Equity capital to assets | 10.8281% | 2,123 |
| Core capital (leverage) ratio | 10.7618% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,511,639,667 | 330 |
| Average earning assets | $3,321,256,000 | 320 |
| Average equity | $383,756,333 | 326 |
| Average total loans | $2,372,384,667 | 316 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 2,253 |
| Cost of funding earning assets | 0.3729% | 2,329 |
| Net interest margin | 3.3720% | 2,182 |
| Noninterest income to average assets | 1.1435% | 928 |
| Noninterest expense to average assets | 2.4564% | 2,311 |
| Loan and lease loss provision to assets | 0.0960% | 1,400 |
| Net operating income to assets | 1.3588% | 1,664 |
| Return on assets (ROA) | 1.3588% | 1,751 |
| Pretax return on assets | 1.7756% | 1,340 |
| Return on Equity (ROE) | 12.3743% | 1,877 |
| Retained earnings to average equity (ytd only) | 12.3743% | 1,056 |
| Net charge-offs to loans | 0.0061% | 1,679 |
| Credit loss provision to net charge-offs | 2,297.2222% | 223 |
| Earnings coverage of net charge-offs (x) | 447.9167% | 211 |
| Efficiency ratio | 56.7555% | 3,458 |
| Assets per employee ($millions) | 6.6612% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 1,133 |
| Loan loss allowance to noncurrent loans | 1,734.1270% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,877 |
| Noncurrent loans to loans | 0.0960% | 3,825 |
| Net loans and leases to total assets | 65.6937% | 1,830 |
| Net loans and leases to deposits | 74.0425% | 2,114 |
| Net loans and leases to core deposits | 77.1943% | 2,243 |
| Total domestic deposits to total assets | 88.7243% | 1,486 |
| Equity capital to assets | 10.7409% | 2,046 |
| Core capital (leverage) ratio | 11.0802% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,446,230,500 | 335 |
| Average earning assets | $3,254,580,500 | 324 |
| Average equity | $378,430,500 | 328 |
| Average total loans | $2,351,871,000 | 323 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,199 |
| Cost of funding earning assets | 0.5966% | 2,336 |
| Net interest margin | 3.5830% | 2,201 |
| Noninterest income to average assets | 1.0839% | 909 |
| Noninterest expense to average assets | 2.5754% | 2,625 |
| Loan and lease loss provision to assets | 0.3148% | 1,184 |
| Net operating income to assets | 1.2615% | 1,357 |
| Return on assets (ROA) | 1.2844% | 1,393 |
| Pretax return on assets | 1.6120% | 1,050 |
| Return on Equity (ROE) | 11.0424% | 1,610 |
| Retained earnings to average equity (ytd only) | 9.6467% | 650 |
| Net charge-offs to loans | -0.0052% | 4,143 |
| Credit loss provision to net charge-offs | -8,287.1795% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5692% | 3,782 |
| Assets per employee ($millions) | 6.2368% | 2,134 |
| Cash dividends to net income (ytd only)* | 12.6393% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 1,172 |
| Loan loss allowance to noncurrent loans | 1,617.9261% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,986 |
| Noncurrent loans to loans | 0.1018% | 3,885 |
| Net loans and leases to total assets | 68.6132% | 1,751 |
| Net loans and leases to deposits | 77.7731% | 2,098 |
| Net loans and leases to core deposits | 81.2537% | 2,252 |
| Total domestic deposits to total assets | 88.2222% | 1,365 |
| Equity capital to assets | 11.2341% | 2,070 |
| Core capital (leverage) ratio | 11.0633% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,079,964,600 | 332 |
| Average earning assets | $2,913,758,000 | 323 |
| Average equity | $358,248,000 | 322 |
| Average total loans | $2,250,603,000 | 318 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 2,109 |
| Cost of funding earning assets | 0.6278% | 2,442 |
| Net interest margin | 3.6681% | 2,040 |
| Noninterest income to average assets | 1.0853% | 880 |
| Noninterest expense to average assets | 2.5782% | 2,606 |
| Loan and lease loss provision to assets | 0.2936% | 1,381 |
| Net operating income to assets | 1.3319% | 1,280 |
| Return on assets (ROA) | 1.3468% | 1,336 |
| Pretax return on assets | 1.7032% | 967 |
| Return on Equity (ROE) | 11.4693% | 1,523 |
| Retained earnings to average equity (ytd only) | 9.5838% | 851 |
| Net charge-offs to loans | -0.0050% | 4,050 |
| Credit loss provision to net charge-offs | -7,894.0476% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5868% | 3,849 |
| Assets per employee ($millions) | 6.2181% | 2,070 |
| Cash dividends to net income (ytd only)* | 16.4393% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 1,320 |
| Loan loss allowance to noncurrent loans | 3,714.9895% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 4,136 |
| Noncurrent loans to loans | 0.0410% | 4,224 |
| Net loans and leases to total assets | 70.5322% | 1,872 |
| Net loans and leases to deposits | 80.6003% | 2,247 |
| Net loans and leases to core deposits | 84.4495% | 2,435 |
| Total domestic deposits to total assets | 87.5086% | 1,447 |
| Equity capital to assets | 11.3359% | 2,123 |
| Core capital (leverage) ratio | 11.1011% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,011,108,500 | 332 |
| Average earning assets | $2,849,191,000 | 320 |
| Average equity | $353,573,250 | 320 |
| Average total loans | $2,228,059,250 | 315 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 2,200 |
| Cost of funding earning assets | 0.6706% | 2,556 |
| Net interest margin | 3.7331% | 2,043 |
| Noninterest income to average assets | 1.0107% | 965 |
| Noninterest expense to average assets | 2.5879% | 2,703 |
| Loan and lease loss provision to assets | 0.3814% | 1,083 |
| Net operating income to assets | 1.2505% | 1,491 |
| Return on assets (ROA) | 1.2734% | 1,547 |
| Pretax return on assets | 1.6024% | 1,219 |
| Return on Equity (ROE) | 10.7075% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.7075% | 654 |
| Net charge-offs to loans | -0.0134% | 4,290 |
| Credit loss provision to net charge-offs | -3,804.7619% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9683% | 3,824 |
| Assets per employee ($millions) | 6.0247% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 1,270 |
| Loan loss allowance to noncurrent loans | 1,362.2925% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 4,087 |
| Noncurrent loans to loans | 0.1100% | 4,016 |
| Net loans and leases to total assets | 71.8743% | 1,735 |
| Net loans and leases to deposits | 82.2657% | 2,178 |
| Net loans and leases to core deposits | 86.1241% | 2,424 |
| Total domestic deposits to total assets | 87.3685% | 1,465 |
| Equity capital to assets | 11.4630% | 1,996 |
| Core capital (leverage) ratio | 11.4311% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,932,865,333 | 333 |
| Average earning assets | $2,774,925,667 | 325 |
| Average equity | $348,782,333 | 321 |
| Average total loans | $2,195,812,000 | 315 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 2,395 |
| Cost of funding earning assets | 0.7486% | 2,676 |
| Net interest margin | 3.7192% | 2,266 |
| Noninterest income to average assets | 0.9289% | 1,000 |
| Noninterest expense to average assets | 2.6127% | 2,942 |
| Loan and lease loss provision to assets | 0.2081% | 1,471 |
| Net operating income to assets | 1.2893% | 1,271 |
| Return on assets (ROA) | 1.3070% | 1,325 |
| Pretax return on assets | 1.6456% | 966 |
| Return on Equity (ROE) | 10.7735% | 1,481 |
| Retained earnings to average equity (ytd only) | 10.7735% | 604 |
| Net charge-offs to loans | -0.0160% | 4,245 |
| Credit loss provision to net charge-offs | -1,708.1395% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7926% | 3,899 |
| Assets per employee ($millions) | 5.5570% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 1,746 |
| Loan loss allowance to noncurrent loans | 868.6460% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 3,913 |
| Noncurrent loans to loans | 0.1596% | 3,889 |
| Net loans and leases to total assets | 75.1175% | 1,441 |
| Net loans and leases to deposits | 86.8819% | 1,892 |
| Net loans and leases to core deposits | 91.4392% | 2,215 |
| Total domestic deposits to total assets | 86.4593% | 1,802 |
| Equity capital to assets | 12.1799% | 1,935 |
| Core capital (leverage) ratio | 12.1243% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,823,845,000 | 335 |
| Average earning assets | $2,668,855,000 | 327 |
| Average equity | $342,580,000 | 326 |
| Average total loans | $2,144,138,500 | 312 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6320% | 2,514 |
| Cost of funding earning assets | 0.8953% | 2,208 |
| Net interest margin | 3.7367% | 2,709 |
| Noninterest income to average assets | 1.1012% | 789 |
| Noninterest expense to average assets | 2.7398% | 2,774 |
| Loan and lease loss provision to assets | 0.0761% | 2,470 |
| Net operating income to assets | 1.3851% | 1,393 |
| Return on assets (ROA) | 1.3772% | 1,499 |
| Pretax return on assets | 1.8007% | 934 |
| Return on Equity (ROE) | 11.7111% | 1,616 |
| Retained earnings to average equity (ytd only) | 10.8230% | 357 |
| Net charge-offs to loans | 0.0238% | 2,928 |
| Credit loss provision to net charge-offs | 418.0328% | 685 |
| Earnings coverage of net charge-offs (x) | 103.6619% | 661 |
| Efficiency ratio | 59.2195% | 3,812 |
| Assets per employee ($millions) | 5.4409% | 2,110 |
| Cash dividends to net income (ytd only)* | 7.5829% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 1,649 |
| Loan loss allowance to noncurrent loans | 561.3836% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 3,629 |
| Noncurrent loans to loans | 0.2432% | 3,575 |
| Net loans and leases to total assets | 74.6451% | 1,639 |
| Net loans and leases to deposits | 86.1773% | 2,068 |
| Net loans and leases to core deposits | 90.9170% | 2,332 |
| Total domestic deposits to total assets | 86.6180% | 1,795 |
| Equity capital to assets | 12.0820% | 2,087 |
| Core capital (leverage) ratio | 11.9323% | 1,819 |
| Tier 1 risk-based capital ratio | 13.7305% | 3,399 |
| Total risk-based capital ratio | 14.9423% | 3,317 |
| Memoranda: | ||
| Average total assets | $2,681,192,800 | 337 |
| Average earning assets | $2,529,525,800 | 329 |
| Average equity | $315,300,200 | 332 |
| Average total loans | $2,048,640,400 | 317 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 2,532 |
| Cost of funding earning assets | 0.9116% | 2,177 |
| Net interest margin | 3.7468% | 2,763 |
| Noninterest income to average assets | 1.1105% | 736 |
| Noninterest expense to average assets | 2.6704% | 2,945 |
| Loan and lease loss provision to assets | 0.0680% | 2,524 |
| Net operating income to assets | 1.4499% | 1,331 |
| Return on assets (ROA) | 1.4393% | 1,410 |
| Pretax return on assets | 1.8916% | 884 |
| Return on Equity (ROE) | 12.3276% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.1239% | 499 |
| Net charge-offs to loans | 0.0094% | 3,034 |
| Credit loss provision to net charge-offs | 946.8531% | 376 |
| Earnings coverage of net charge-offs (x) | 274.8978% | 335 |
| Efficiency ratio | 57.5096% | 4,000 |
| Assets per employee ($millions) | 5.3867% | 2,134 |
| Cash dividends to net income (ytd only)* | 9.7643% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,490 |
| Loan loss allowance to noncurrent loans | 643.0675% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 3,795 |
| Noncurrent loans to loans | 0.2213% | 3,752 |
| Net loans and leases to total assets | 71.6952% | 2,221 |
| Net loans and leases to deposits | 82.9386% | 2,576 |
| Net loans and leases to core deposits | 87.8927% | 2,746 |
| Total domestic deposits to total assets | 86.4437% | 1,797 |
| Equity capital to assets | 11.9250% | 2,314 |
| Core capital (leverage) ratio | 11.9821% | 1,862 |
| Tier 1 risk-based capital ratio | 14.0022% | 3,332 |
| Total risk-based capital ratio | 15.2520% | 3,245 |
| Memoranda: | ||
| Average total assets | $2,656,417,000 | 341 |
| Average earning assets | $2,504,804,750 | 334 |
| Average equity | $310,146,500 | 338 |
| Average total loans | $2,034,780,250 | 322 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 2,546 |
| Cost of funding earning assets | 0.8991% | 2,146 |
| Net interest margin | 3.7394% | 2,792 |
| Noninterest income to average assets | 1.0896% | 715 |
| Noninterest expense to average assets | 2.6900% | 2,941 |
| Loan and lease loss provision to assets | 0.0903% | 2,043 |
| Net operating income to assets | 1.3997% | 1,439 |
| Return on assets (ROA) | 1.3812% | 1,541 |
| Pretax return on assets | 1.8099% | 1,008 |
| Return on Equity (ROE) | 11.9183% | 1,606 |
| Retained earnings to average equity (ytd only) | 10.0795% | 731 |
| Net charge-offs to loans | 0.0089% | 2,820 |
| Credit loss provision to net charge-offs | 1,304.3956% | 279 |
| Earnings coverage of net charge-offs (x) | 277.7692% | 286 |
| Efficiency ratio | 58.3046% | 3,972 |
| Assets per employee ($millions) | 5.3560% | 2,098 |
| Cash dividends to net income (ytd only)* | 15.4287% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,650 |
| Loan loss allowance to noncurrent loans | 483.4131% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 3,620 |
| Noncurrent loans to loans | 0.2879% | 3,500 |
| Net loans and leases to total assets | 74.3506% | 1,832 |
| Net loans and leases to deposits | 85.8825% | 2,270 |
| Net loans and leases to core deposits | 91.1569% | 2,490 |
| Total domestic deposits to total assets | 86.5724% | 1,787 |
| Equity capital to assets | 11.7224% | 2,415 |
| Core capital (leverage) ratio | 11.6205% | 2,080 |
| Tier 1 risk-based capital ratio | 13.4901% | 3,589 |
| Total risk-based capital ratio | 14.7294% | 3,491 |
| Memoranda: | ||
| Average total assets | $2,627,944,670 | 345 |
| Average earning assets | $2,476,649,000 | 338 |
| Average equity | $304,540,330 | 344 |
| Average total loans | $2,048,324,330 | 324 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 2,572 |
| Cost of funding earning assets | 0.8526% | 2,259 |
| Net interest margin | 3.7359% | 2,759 |
| Noninterest income to average assets | 1.0508% | 724 |
| Noninterest expense to average assets | 2.6401% | 3,087 |
| Loan and lease loss provision to assets | 0.1592% | 1,062 |
| Net operating income to assets | 1.3474% | 1,534 |
| Return on assets (ROA) | 1.3098% | 1,704 |
| Pretax return on assets | 1.7222% | 1,165 |
| Return on Equity (ROE) | 11.3709% | 1,795 |
| Retained earnings to average equity (ytd only) | 11.3709% | 731 |
| Net charge-offs to loans | -0.0142% | 4,358 |
| Credit loss provision to net charge-offs | -1,415.0685% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7815% | 4,111 |
| Assets per employee ($millions) | 5.3832% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 1,783 |
| Loan loss allowance to noncurrent loans | 829.3255% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 3,965 |
| Noncurrent loans to loans | 0.1653% | 4,008 |
| Net loans and leases to total assets | 76.3570% | 1,419 |
| Net loans and leases to deposits | 88.0032% | 1,874 |
| Net loans and leases to core deposits | 94.0761% | 2,115 |
| Total domestic deposits to total assets | 86.7662% | 1,923 |
| Equity capital to assets | 11.4230% | 2,471 |
| Core capital (leverage) ratio | 11.8945% | 1,832 |
| Tier 1 risk-based capital ratio | 13.0735% | 3,840 |
| Total risk-based capital ratio | 14.3019% | 3,760 |
| Memoranda: | ||
| Average total assets | $2,594,873,500 | 354 |
| Average earning assets | $2,443,748,000 | 342 |
| Average equity | $298,904,000 | 349 |
| Average total loans | $2,056,816,500 | 327 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 2,201 |
| Cost of funding earning assets | 0.6180% | 2,600 |
| Net interest margin | 3.9597% | 2,127 |
| Noninterest income to average assets | 1.0600% | 833 |
| Noninterest expense to average assets | 2.7956% | 2,707 |
| Loan and lease loss provision to assets | 0.1781% | 1,104 |
| Net operating income to assets | 1.4188% | 1,367 |
| Return on assets (ROA) | 1.3975% | 1,429 |
| Pretax return on assets | 1.7808% | 972 |
| Return on Equity (ROE) | 12.1781% | 1,648 |
| Retained earnings to average equity (ytd only) | 11.0950% | 417 |
| Net charge-offs to loans | 0.0542% | 2,372 |
| Credit loss provision to net charge-offs | 416.0697% | 801 |
| Earnings coverage of net charge-offs (x) | 46.3988% | 1,188 |
| Efficiency ratio | 58.4680% | 4,084 |
| Assets per employee ($millions) | 5.1322% | 2,348 |
| Cash dividends to net income (ytd only)* | 8.8939% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 1,925 |
| Loan loss allowance to noncurrent loans | 833.8141% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 3,896 |
| Noncurrent loans to loans | 0.1589% | 4,027 |
| Net loans and leases to total assets | 80.1368% | 920 |
| Net loans and leases to deposits | 91.0654% | 1,659 |
| Net loans and leases to core deposits | 96.6456% | 2,000 |
| Total domestic deposits to total assets | 87.9992% | 1,296 |
| Equity capital to assets | 11.6204% | 2,162 |
| Core capital (leverage) ratio | 11.9277% | 1,783 |
| Tier 1 risk-based capital ratio | 12.8450% | 3,942 |
| Total risk-based capital ratio | 14.0385% | 3,850 |
| Memoranda: | ||
| Average total assets | $2,413,593,600 | 367 |
| Average earning assets | $2,268,371,000 | 359 |
| Average equity | $276,981,200 | 357 |
| Average total loans | $1,904,856,400 | 341 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5326% | 2,179 |
| Cost of funding earning assets | 0.5598% | 2,792 |
| Net interest margin | 3.9728% | 2,041 |
| Noninterest income to average assets | 1.0509% | 862 |
| Noninterest expense to average assets | 2.7807% | 2,701 |
| Loan and lease loss provision to assets | 0.1789% | 1,018 |
| Net operating income to assets | 1.3552% | 1,642 |
| Return on assets (ROA) | 1.3265% | 1,768 |
| Pretax return on assets | 1.7880% | 1,037 |
| Return on Equity (ROE) | 11.5974% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.1315% | 880 |
| Net charge-offs to loans | 0.0344% | 2,399 |
| Credit loss provision to net charge-offs | 664.1079% | 550 |
| Earnings coverage of net charge-offs (x) | 74.3652% | 916 |
| Efficiency ratio | 58.1262% | 4,101 |
| Assets per employee ($millions) | 4.9560% | 2,526 |
| Cash dividends to net income (ytd only)* | 12.6396% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,891 |
| Loan loss allowance to noncurrent loans | 540.3409% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 3,549 |
| Noncurrent loans to loans | 0.2496% | 3,796 |
| Net loans and leases to total assets | 79.7165% | 1,063 |
| Net loans and leases to deposits | 90.6019% | 1,813 |
| Net loans and leases to core deposits | 95.5625% | 2,156 |
| Total domestic deposits to total assets | 87.9854% | 1,247 |
| Equity capital to assets | 11.4558% | 2,298 |
| Core capital (leverage) ratio | 11.8499% | 1,879 |
| Tier 1 risk-based capital ratio | 12.7690% | 4,041 |
| Total risk-based capital ratio | 13.9722% | 3,967 |
| Memoranda: | ||
| Average total assets | $2,385,731,500 | 368 |
| Average earning assets | $2,241,739,750 | 360 |
| Average equity | $272,871,500 | 359 |
| Average total loans | $1,868,404,750 | 342 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4723% | 2,173 |
| Cost of funding earning assets | 0.5175% | 2,874 |
| Net interest margin | 3.9548% | 2,020 |
| Noninterest income to average assets | 1.0440% | 885 |
| Noninterest expense to average assets | 2.7683% | 2,771 |
| Loan and lease loss provision to assets | 0.1786% | 1,011 |
| Net operating income to assets | 1.3471% | 1,609 |
| Return on assets (ROA) | 1.3090% | 1,734 |
| Pretax return on assets | 1.7666% | 1,043 |
| Return on Equity (ROE) | 11.4509% | 1,928 |
| Retained earnings to average equity (ytd only) | 11.4509% | 596 |
| Net charge-offs to loans | 0.0310% | 2,238 |
| Credit loss provision to net charge-offs | 744.0141% | 537 |
| Earnings coverage of net charge-offs (x) | 83.0528% | 807 |
| Efficiency ratio | 58.1368% | 4,208 |
| Assets per employee ($millions) | 5.0588% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 1,959 |
| Loan loss allowance to noncurrent loans | 811.6682% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 3,939 |
| Noncurrent loans to loans | 0.1661% | 4,162 |
| Net loans and leases to total assets | 78.3949% | 1,254 |
| Net loans and leases to deposits | 89.0497% | 1,969 |
| Net loans and leases to core deposits | 93.2093% | 2,294 |
| Total domestic deposits to total assets | 88.0350% | 1,364 |
| Equity capital to assets | 11.4999% | 2,198 |
| Core capital (leverage) ratio | 11.8001% | 1,837 |
| Tier 1 risk-based capital ratio | 12.8082% | 4,002 |
| Total risk-based capital ratio | 13.9963% | 3,946 |
| Memoranda: | ||
| Average total assets | $2,366,532,330 | 373 |
| Average earning assets | $2,224,631,330 | 361 |
| Average equity | $270,528,000 | 358 |
| Average total loans | $1,833,085,000 | 351 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 2,306 |
| Cost of funding earning assets | 0.4812% | 2,948 |
| Net interest margin | 3.8858% | 2,101 |
| Noninterest income to average assets | 0.9828% | 945 |
| Noninterest expense to average assets | 2.6828% | 3,089 |
| Loan and lease loss provision to assets | 0.1743% | 1,004 |
| Net operating income to assets | 1.3111% | 1,608 |
| Return on assets (ROA) | 1.3111% | 1,614 |
| Pretax return on assets | 1.7802% | 949 |
| Return on Equity (ROE) | 11.5042% | 1,765 |
| Retained earnings to average equity (ytd only) | 11.5042% | 788 |
| Net charge-offs to loans | 0.0192% | 2,118 |
| Credit loss provision to net charge-offs | 1,189.5349% | 302 |
| Earnings coverage of net charge-offs (x) | 133.4186% | 487 |
| Efficiency ratio | 57.8534% | 4,362 |
| Assets per employee ($millions) | 5.0997% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 2,003 |
| Loan loss allowance to noncurrent loans | 858.2383% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 4,140 |
| Noncurrent loans to loans | 0.1579% | 4,271 |
| Net loans and leases to total assets | 75.6191% | 1,601 |
| Net loans and leases to deposits | 85.6667% | 2,208 |
| Net loans and leases to core deposits | 89.6683% | 2,475 |
| Total domestic deposits to total assets | 88.2712% | 1,476 |
| Equity capital to assets | 11.2507% | 2,347 |
| Core capital (leverage) ratio | 11.6984% | 1,852 |
| Tier 1 risk-based capital ratio | 12.7238% | 4,101 |
| Total risk-based capital ratio | 13.8958% | 4,050 |
| Memoranda: | ||
| Average total assets | $2,348,336,000 | 378 |
| Average earning assets | $2,208,426,500 | 365 |
| Average equity | $267,624,500 | 360 |
| Average total loans | $1,794,873,500 | 355 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2536% | 2,482 |
| Cost of funding earning assets | 0.4161% | 3,086 |
| Net interest margin | 3.8375% | 2,293 |
| Noninterest income to average assets | 1.0199% | 978 |
| Noninterest expense to average assets | 2.6094% | 3,413 |
| Loan and lease loss provision to assets | 0.0740% | 2,723 |
| Net operating income to assets | 1.0753% | 1,960 |
| Return on assets (ROA) | 1.0704% | 2,000 |
| Pretax return on assets | 1.9386% | 561 |
| Return on Equity (ROE) | 9.4881% | 2,101 |
| Retained earnings to average equity (ytd only) | 8.9025% | 525 |
| Net charge-offs to loans | 0.0289% | 3,234 |
| Credit loss provision to net charge-offs | 334.1948% | 860 |
| Earnings coverage of net charge-offs (x) | 91.2028% | 689 |
| Efficiency ratio | 56.3619% | 4,728 |
| Assets per employee ($millions) | 4.9890% | 2,489 |
| Cash dividends to net income (ytd only)* | 6.1713% | 4,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 1,925 |
| Loan loss allowance to noncurrent loans | 792.4760% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 4,128 |
| Noncurrent loans to loans | 0.1718% | 4,235 |
| Net loans and leases to total assets | 75.1597% | 1,731 |
| Net loans and leases to deposits | 85.3399% | 2,337 |
| Net loans and leases to core deposits | 88.5879% | 2,680 |
| Total domestic deposits to total assets | 88.0710% | 1,465 |
| Equity capital to assets | 11.5475% | 2,161 |
| Core capital (leverage) ratio | 11.5395% | 1,919 |
| Tier 1 risk-based capital ratio | 12.9560% | 3,932 |
| Total risk-based capital ratio | 14.1383% | 3,874 |
| Memoranda: | ||
| Average total assets | $2,270,702,600 | 372 |
| Average earning assets | $2,135,975,800 | 358 |
| Average equity | $256,174,600 | 362 |
| Average total loans | $1,742,154,000 | 345 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 2,538 |
| Cost of funding earning assets | 0.4040% | 3,146 |
| Net interest margin | 3.8189% | 2,325 |
| Noninterest income to average assets | 1.0313% | 959 |
| Noninterest expense to average assets | 2.6008% | 3,408 |
| Loan and lease loss provision to assets | 0.0734% | 2,604 |
| Net operating income to assets | 1.2073% | 1,662 |
| Return on assets (ROA) | 1.2050% | 1,707 |
| Pretax return on assets | 1.9465% | 614 |
| Return on Equity (ROE) | 10.7451% | 1,803 |
| Retained earnings to average equity (ytd only) | 9.9567% | 597 |
| Net charge-offs to loans | 0.0220% | 3,029 |
| Credit loss provision to net charge-offs | 433.7979% | 721 |
| Earnings coverage of net charge-offs (x) | 119.6193% | 626 |
| Efficiency ratio | 56.2423% | 4,710 |
| Assets per employee ($millions) | 4.9689% | 2,492 |
| Cash dividends to net income (ytd only)* | 7.3371% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 2,142 |
| Loan loss allowance to noncurrent loans | 638.4906% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 4,086 |
| Noncurrent loans to loans | 0.2106% | 4,231 |
| Net loans and leases to total assets | 75.8604% | 1,611 |
| Net loans and leases to deposits | 86.3069% | 2,259 |
| Net loans and leases to core deposits | 89.8085% | 2,627 |
| Total domestic deposits to total assets | 87.8960% | 1,421 |
| Equity capital to assets | 11.5185% | 2,345 |
| Core capital (leverage) ratio | 11.4803% | 2,033 |
| Tier 1 risk-based capital ratio | 13.0279% | 3,988 |
| Total risk-based capital ratio | 14.2265% | 3,936 |
| Memoranda: | ||
| Average total assets | $2,262,152,500 | 372 |
| Average earning assets | $2,128,312,750 | 360 |
| Average equity | $253,678,500 | 365 |
| Average total loans | $1,738,625,500 | 350 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 2,472 |
| Cost of funding earning assets | 0.3884% | 3,200 |
| Net interest margin | 3.8121% | 2,242 |
| Noninterest income to average assets | 1.0465% | 933 |
| Noninterest expense to average assets | 2.5815% | 3,489 |
| Loan and lease loss provision to assets | 0.0718% | 2,535 |
| Net operating income to assets | 1.2260% | 1,514 |
| Return on assets (ROA) | 1.2238% | 1,561 |
| Pretax return on assets | 1.9776% | 551 |
| Return on Equity (ROE) | 11.0145% | 1,641 |
| Retained earnings to average equity (ytd only) | 11.0145% | 437 |
| Net charge-offs to loans | 0.0250% | 2,718 |
| Credit loss provision to net charge-offs | 374.5370% | 833 |
| Earnings coverage of net charge-offs (x) | 107.0417% | 623 |
| Efficiency ratio | 55.7044% | 4,861 |
| Assets per employee ($millions) | 5.0057% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,236 |
| Loan loss allowance to noncurrent loans | 610.3900% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 4,134 |
| Noncurrent loans to loans | 0.2193% | 4,243 |
| Net loans and leases to total assets | 74.9761% | 1,703 |
| Net loans and leases to deposits | 84.9923% | 2,356 |
| Net loans and leases to core deposits | 88.8338% | 2,633 |
| Total domestic deposits to total assets | 88.2152% | 1,351 |
| Equity capital to assets | 11.2862% | 2,508 |
| Core capital (leverage) ratio | 11.2861% | 2,140 |
| Tier 1 risk-based capital ratio | 12.5142% | 4,296 |
| Total risk-based capital ratio | 13.6708% | 4,236 |
| Memoranda: | ||
| Average total assets | $2,252,642,000 | 377 |
| Average earning assets | $2,120,100,670 | 366 |
| Average equity | $250,287,330 | 374 |
| Average total loans | $1,731,031,000 | 353 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 2,526 |
| Cost of funding earning assets | 0.3851% | 3,144 |
| Net interest margin | 3.7527% | 2,293 |
| Noninterest income to average assets | 0.9513% | 1,103 |
| Noninterest expense to average assets | 2.5097% | 3,782 |
| Loan and lease loss provision to assets | 0.0697% | 2,415 |
| Net operating income to assets | 1.1800% | 1,557 |
| Return on assets (ROA) | 1.1756% | 1,612 |
| Pretax return on assets | 1.8975% | 642 |
| Return on Equity (ROE) | 10.6675% | 1,681 |
| Retained earnings to average equity (ytd only) | 10.6675% | 665 |
| Net charge-offs to loans | 0.0306% | 2,153 |
| Credit loss provision to net charge-offs | 294.6970% | 798 |
| Earnings coverage of net charge-offs (x) | 83.4697% | 635 |
| Efficiency ratio | 55.9738% | 4,941 |
| Assets per employee ($millions) | 5.0488% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,457 |
| Loan loss allowance to noncurrent loans | 563.2688% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 4,042 |
| Noncurrent loans to loans | 0.2337% | 4,276 |
| Net loans and leases to total assets | 75.5128% | 1,500 |
| Net loans and leases to deposits | 85.3625% | 2,105 |
| Net loans and leases to core deposits | 89.1936% | 2,433 |
| Total domestic deposits to total assets | 88.4613% | 1,452 |
| Equity capital to assets | 10.9245% | 2,720 |
| Core capital (leverage) ratio | 11.1902% | 2,195 |
| Tier 1 risk-based capital ratio | 12.1734% | 4,602 |
| Total risk-based capital ratio | 13.3149% | 4,566 |
| Memoranda: | ||
| Average total assets | $2,232,649,000 | 377 |
| Average earning assets | $2,101,522,000 | 367 |
| Average equity | $246,056,000 | 378 |
| Average total loans | $1,725,423,000 | 347 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2552% | 2,293 |
| Cost of funding earning assets | 0.4164% | 2,847 |
| Net interest margin | 3.8388% | 2,175 |
| Noninterest income to average assets | 1.0087% | 1,123 |
| Noninterest expense to average assets | 2.6896% | 3,375 |
| Loan and lease loss provision to assets | 0.0180% | 4,020 |
| Net operating income to assets | 1.2177% | 1,445 |
| Return on assets (ROA) | 1.2317% | 1,492 |
| Pretax return on assets | 1.9432% | 571 |
| Return on Equity (ROE) | 11.1237% | 1,540 |
| Retained earnings to average equity (ytd only) | 10.4815% | 355 |
| Net charge-offs to loans | 0.0345% | 3,341 |
| Credit loss provision to net charge-offs | 69.0346% | 3,148 |
| Earnings coverage of net charge-offs (x) | 74.5246% | 757 |
| Efficiency ratio | 58.1044% | 4,836 |
| Assets per employee ($millions) | 4.9283% | 2,470 |
| Cash dividends to net income (ytd only)* | 5.7726% | 4,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 2,369 |
| Loan loss allowance to noncurrent loans | 423.1199% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 3,449 |
| Noncurrent loans to loans | 0.3151% | 4,015 |
| Net loans and leases to total assets | 77.0361% | 1,360 |
| Net loans and leases to deposits | 87.0662% | 2,041 |
| Net loans and leases to core deposits | 90.5030% | 2,453 |
| Total domestic deposits to total assets | 88.4798% | 1,389 |
| Equity capital to assets | 11.1215% | 2,515 |
| Core capital (leverage) ratio | 11.0893% | 2,265 |
| Tier 1 risk-based capital ratio | 11.4899% | 5,062 |
| Total risk-based capital ratio | 12.5843% | 5,052 |
| Memoranda: | ||
| Average total assets | $2,109,691,200 | 381 |
| Average earning assets | $1,989,581,000 | 367 |
| Average equity | $233,601,000 | 379 |
| Average total loans | $1,593,405,600 | 358 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 2,428 |
| Cost of funding earning assets | 0.4250% | 2,779 |
| Net interest margin | 3.8026% | 2,320 |
| Noninterest income to average assets | 1.0306% | 1,076 |
| Noninterest expense to average assets | 2.6837% | 3,390 |
| Loan and lease loss provision to assets | 0.0185% | 3,878 |
| Net operating income to assets | 1.1889% | 1,673 |
| Return on assets (ROA) | 1.2142% | 1,691 |
| Pretax return on assets | 1.9573% | 630 |
| Return on Equity (ROE) | 10.9783% | 1,676 |
| Retained earnings to average equity (ytd only) | 10.1136% | 556 |
| Net charge-offs to loans | -0.0111% | 4,803 |
| Credit loss provision to net charge-offs | -223.0769% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0887% | 4,802 |
| Assets per employee ($millions) | 4.7312% | 2,699 |
| Cash dividends to net income (ytd only)* | 7.8761% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 2,083 |
| Loan loss allowance to noncurrent loans | 394.5854% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 3,446 |
| Noncurrent loans to loans | 0.3612% | 3,962 |
| Net loans and leases to total assets | 74.5998% | 1,772 |
| Net loans and leases to deposits | 84.5676% | 2,422 |
| Net loans and leases to core deposits | 87.6831% | 2,790 |
| Total domestic deposits to total assets | 88.2132% | 1,291 |
| Equity capital to assets | 11.1681% | 2,829 |
| Core capital (leverage) ratio | 10.8729% | 2,599 |
| Tier 1 risk-based capital ratio | 12.1720% | 4,690 |
| Total risk-based capital ratio | 13.3960% | 4,609 |
| Memoranda: | ||
| Average total assets | $2,091,306,000 | 383 |
| Average earning assets | $1,974,014,250 | 371 |
| Average equity | $231,299,250 | 387 |
| Average total loans | $1,565,605,500 | 360 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 2,478 |
| Cost of funding earning assets | 0.4315% | 2,723 |
| Net interest margin | 3.7799% | 2,400 |
| Noninterest income to average assets | 1.0087% | 1,097 |
| Noninterest expense to average assets | 2.7049% | 3,379 |
| Loan and lease loss provision to assets | 0.0144% | 3,821 |
| Net operating income to assets | 1.1505% | 1,774 |
| Return on assets (ROA) | 1.1656% | 1,820 |
| Pretax return on assets | 1.8843% | 722 |
| Return on Equity (ROE) | 10.5744% | 1,819 |
| Retained earnings to average equity (ytd only) | 9.2581% | 780 |
| Net charge-offs to loans | 0.0327% | 2,799 |
| Credit loss provision to net charge-offs | 59.1270% | 2,589 |
| Earnings coverage of net charge-offs (x) | 76.9325% | 724 |
| Efficiency ratio | 59.0568% | 4,763 |
| Assets per employee ($millions) | 4.6665% | 2,772 |
| Cash dividends to net income (ytd only)* | 12.4481% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 2,153 |
| Loan loss allowance to noncurrent loans | 475.6311% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 3,686 |
| Noncurrent loans to loans | 0.3009% | 4,293 |
| Net loans and leases to total assets | 73.7800% | 1,884 |
| Net loans and leases to deposits | 83.3898% | 2,546 |
| Net loans and leases to core deposits | 86.6534% | 2,843 |
| Total domestic deposits to total assets | 88.4761% | 1,182 |
| Equity capital to assets | 11.0299% | 3,028 |
| Core capital (leverage) ratio | 10.8342% | 2,611 |
| Tier 1 risk-based capital ratio | 12.2930% | 4,649 |
| Total risk-based capital ratio | 13.5389% | 4,574 |
| Memoranda: | ||
| Average total assets | $2,067,686,000 | 387 |
| Average earning assets | $1,953,624,670 | 378 |
| Average equity | $227,908,330 | 390 |
| Average total loans | $1,542,043,670 | 365 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2230% | 2,395 |
| Cost of funding earning assets | 0.4385% | 2,695 |
| Net interest margin | 3.7845% | 2,349 |
| Noninterest income to average assets | 0.9028% | 1,305 |
| Noninterest expense to average assets | 2.6830% | 3,481 |
| Loan and lease loss provision to assets | 0.0132% | 3,521 |
| Net operating income to assets | 1.1047% | 1,884 |
| Return on assets (ROA) | 1.1194% | 1,934 |
| Pretax return on assets | 1.8047% | 843 |
| Return on Equity (ROE) | 10.1590% | 1,922 |
| Retained earnings to average equity (ytd only) | 7.4865% | 1,669 |
| Net charge-offs to loans | 0.0179% | 2,573 |
| Credit loss provision to net charge-offs | 98.5294% | 1,688 |
| Earnings coverage of net charge-offs (x) | 134.4559% | 438 |
| Efficiency ratio | 59.9167% | 4,758 |
| Assets per employee ($millions) | 4.6735% | 2,789 |
| Cash dividends to net income (ytd only)* | 26.3066% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 2,113 |
| Loan loss allowance to noncurrent loans | 331.6773% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 3,251 |
| Noncurrent loans to loans | 0.4434% | 3,849 |
| Net loans and leases to total assets | 74.2725% | 1,691 |
| Net loans and leases to deposits | 83.9640% | 2,308 |
| Net loans and leases to core deposits | 87.2327% | 2,636 |
| Total domestic deposits to total assets | 88.4575% | 1,373 |
| Equity capital to assets | 11.0115% | 2,923 |
| Core capital (leverage) ratio | 10.9738% | 2,430 |
| Tier 1 risk-based capital ratio | 12.1446% | 4,818 |
| Total risk-based capital ratio | 13.3949% | 4,718 |
| Memoranda: | ||
| Average total assets | $2,037,572,500 | 392 |
| Average earning assets | $1,924,798,000 | 380 |
| Average equity | $224,509,500 | 388 |
| Average total loans | $1,516,679,500 | 368 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 2,170 |
| Cost of funding earning assets | 0.4723% | 2,417 |
| Net interest margin | 3.8437% | 2,221 |
| Noninterest income to average assets | 1.0296% | 1,114 |
| Noninterest expense to average assets | 2.6700% | 3,692 |
| Loan and lease loss provision to assets | 0.0201% | 3,997 |
| Net operating income to assets | 1.2443% | 1,401 |
| Return on assets (ROA) | 1.2504% | 1,439 |
| Pretax return on assets | 1.9727% | 566 |
| Return on Equity (ROE) | 11.4900% | 1,442 |
| Retained earnings to average equity (ytd only) | 10.5391% | 391 |
| Net charge-offs to loans | 0.0042% | 4,303 |
| Credit loss provision to net charge-offs | 646.6667% | 522 |
| Earnings coverage of net charge-offs (x) | 638.8333% | 101 |
| Efficiency ratio | 57.3794% | 5,214 |
| Assets per employee ($millions) | 4.5566% | 2,951 |
| Cash dividends to net income (ytd only)* | 8.2757% | 4,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 1,797 |
| Loan loss allowance to noncurrent loans | 332.4623% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 3,232 |
| Noncurrent loans to loans | 0.4666% | 3,796 |
| Net loans and leases to total assets | 72.3241% | 1,994 |
| Net loans and leases to deposits | 81.6916% | 2,633 |
| Net loans and leases to core deposits | 84.7703% | 2,911 |
| Total domestic deposits to total assets | 88.5332% | 1,363 |
| Equity capital to assets | 11.0257% | 2,790 |
| Core capital (leverage) ratio | 10.9686% | 2,435 |
| Tier 1 risk-based capital ratio | 12.7461% | 4,481 |
| Total risk-based capital ratio | 13.9975% | 4,387 |
| Memoranda: | ||
| Average total assets | $1,932,720,000 | 389 |
| Average earning assets | $1,822,017,400 | 379 |
| Average equity | $210,331,200 | 398 |
| Average total loans | $1,430,477,800 | 364 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 2,158 |
| Cost of funding earning assets | 0.4819% | 2,391 |
| Net interest margin | 3.8418% | 2,232 |
| Noninterest income to average assets | 1.0436% | 1,096 |
| Noninterest expense to average assets | 2.6178% | 3,808 |
| Loan and lease loss provision to assets | 0.0185% | 3,906 |
| Net operating income to assets | 1.2561% | 1,464 |
| Return on assets (ROA) | 1.2644% | 1,498 |
| Pretax return on assets | 2.0412% | 556 |
| Return on Equity (ROE) | 11.6584% | 1,476 |
| Retained earnings to average equity (ytd only) | 10.3734% | 575 |
| Net charge-offs to loans | 0.0126% | 3,732 |
| Credit loss provision to net charge-offs | 197.7612% | 1,349 |
| Earnings coverage of net charge-offs (x) | 219.2191% | 328 |
| Efficiency ratio | 56.1207% | 5,338 |
| Assets per employee ($millions) | 4.6307% | 2,793 |
| Cash dividends to net income (ytd only)* | 11.0217% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,021 |
| Loan loss allowance to noncurrent loans | 364.5311% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 3,286 |
| Noncurrent loans to loans | 0.4207% | 4,093 |
| Net loans and leases to total assets | 74.9530% | 1,555 |
| Net loans and leases to deposits | 85.0320% | 2,277 |
| Net loans and leases to core deposits | 88.6801% | 2,587 |
| Total domestic deposits to total assets | 88.1468% | 1,478 |
| Equity capital to assets | 11.1396% | 2,864 |
| Core capital (leverage) ratio | 10.9119% | 2,582 |
| Tier 1 risk-based capital ratio | 12.5063% | 4,753 |
| Total risk-based capital ratio | 13.7576% | 4,651 |
| Memoranda: | ||
| Average total assets | $1,913,538,750 | 396 |
| Average earning assets | $1,803,523,750 | 385 |
| Average equity | $207,525,250 | 406 |
| Average total loans | $1,419,043,750 | 369 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,126 |
| Cost of funding earning assets | 0.4912% | 2,338 |
| Net interest margin | 3.8219% | 2,233 |
| Noninterest income to average assets | 0.9800% | 1,220 |
| Noninterest expense to average assets | 2.5600% | 4,041 |
| Loan and lease loss provision to assets | 0.0164% | 3,797 |
| Net operating income to assets | 1.2451% | 1,476 |
| Return on assets (ROA) | 1.2563% | 1,497 |
| Pretax return on assets | 2.0246% | 570 |
| Return on Equity (ROE) | 11.6920% | 1,476 |
| Retained earnings to average equity (ytd only) | 9.7358% | 722 |
| Net charge-offs to loans | 0.0452% | 2,795 |
| Credit loss provision to net charge-offs | 49.3671% | 2,714 |
| Earnings coverage of net charge-offs (x) | 60.9335% | 834 |
| Efficiency ratio | 55.8513% | 5,442 |
| Assets per employee ($millions) | 4.5744% | 2,865 |
| Cash dividends to net income (ytd only)* | 16.7308% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 2,076 |
| Loan loss allowance to noncurrent loans | 280.1850% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 3,142 |
| Noncurrent loans to loans | 0.5541% | 3,795 |
| Net loans and leases to total assets | 73.6180% | 1,723 |
| Net loans and leases to deposits | 83.1627% | 2,418 |
| Net loans and leases to core deposits | 86.7847% | 2,677 |
| Total domestic deposits to total assets | 88.5229% | 1,400 |
| Equity capital to assets | 10.8510% | 3,051 |
| Core capital (leverage) ratio | 10.6775% | 2,757 |
| Tier 1 risk-based capital ratio | 13.1146% | 4,449 |
| Total risk-based capital ratio | 14.3671% | 4,365 |
| Memoranda: | ||
| Average total assets | $1,903,080,670 | 401 |
| Average earning assets | $1,794,358,330 | 389 |
| Average equity | $204,482,000 | 415 |
| Average total loans | $1,398,567,330 | 374 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 2,179 |
| Cost of funding earning assets | 0.4971% | 2,309 |
| Net interest margin | 3.7786% | 2,305 |
| Noninterest income to average assets | 0.9506% | 1,231 |
| Noninterest expense to average assets | 2.5407% | 4,136 |
| Loan and lease loss provision to assets | 0.0159% | 3,520 |
| Net operating income to assets | 1.2019% | 1,543 |
| Return on assets (ROA) | 1.2019% | 1,637 |
| Pretax return on assets | 1.9587% | 632 |
| Return on Equity (ROE) | 11.2422% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.2816% | 1,869 |
| Net charge-offs to loans | 0.0433% | 2,376 |
| Credit loss provision to net charge-offs | 50.3356% | 2,094 |
| Earnings coverage of net charge-offs (x) | 62.5973% | 713 |
| Efficiency ratio | 56.2688% | 5,493 |
| Assets per employee ($millions) | 4.4151% | 3,182 |
| Cash dividends to net income (ytd only)* | 35.2299% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 1,976 |
| Loan loss allowance to noncurrent loans | 308.8264% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 3,250 |
| Noncurrent loans to loans | 0.5240% | 4,000 |
| Net loans and leases to total assets | 71.3814% | 1,921 |
| Net loans and leases to deposits | 80.5388% | 2,502 |
| Net loans and leases to core deposits | 84.1403% | 2,754 |
| Total domestic deposits to total assets | 88.6298% | 1,482 |
| Equity capital to assets | 10.6682% | 3,348 |
| Core capital (leverage) ratio | 10.5009% | 2,958 |
| Tier 1 risk-based capital ratio | 13.2490% | 4,463 |
| Total risk-based capital ratio | 14.5023% | 4,381 |
| Memoranda: | ||
| Average total assets | $1,889,418,500 | 402 |
| Average earning assets | $1,782,467,500 | 388 |
| Average equity | $201,988,500 | 417 |
| Average total loans | $1,376,082,500 | 373 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 2,287 |
| Cost of funding earning assets | 0.5746% | 2,004 |
| Net interest margin | 3.8055% | 2,608 |
| Noninterest income to average assets | 0.8892% | 1,541 |
| Noninterest expense to average assets | 2.6132% | 4,168 |
| Loan and lease loss provision to assets | 0.0276% | 4,051 |
| Net operating income to assets | 1.1503% | 1,774 |
| Return on assets (ROA) | 1.1696% | 1,752 |
| Pretax return on assets | 1.8636% | 688 |
| Return on Equity (ROE) | 11.3071% | 1,616 |
| Retained earnings to average equity (ytd only) | 11.3071% | 351 |
| Net charge-offs to loans | 0.0675% | 3,509 |
| Credit loss provision to net charge-offs | 57.8397% | 3,325 |
| Earnings coverage of net charge-offs (x) | 39.0035% | 1,108 |
| Efficiency ratio | 58.4062% | 5,421 |
| Assets per employee ($millions) | 4.7038% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 1,909 |
| Loan loss allowance to noncurrent loans | 1,046.4534% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 4,105 |
| Noncurrent loans to loans | 0.1584% | 5,262 |
| Net loans and leases to total assets | 71.9026% | 1,926 |
| Net loans and leases to deposits | 81.0401% | 2,595 |
| Net loans and leases to core deposits | 84.6649% | 2,827 |
| Total domestic deposits to total assets | 88.7247% | 1,404 |
| Equity capital to assets | 10.7135% | 3,219 |
| Core capital (leverage) ratio | 10.5230% | 2,919 |
| Tier 1 risk-based capital ratio | 13.6066% | 4,344 |
| Total risk-based capital ratio | 14.8608% | 4,280 |
| Memoranda: | ||
| Average total assets | $1,804,558,400 | 402 |
| Average earning assets | $1,699,978,800 | 385 |
| Average equity | $186,670,600 | 429 |
| Average total loans | $1,274,686,200 | 370 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 2,339 |
| Cost of funding earning assets | 0.5833% | 1,991 |
| Net interest margin | 3.7884% | 2,664 |
| Noninterest income to average assets | 0.8579% | 1,670 |
| Noninterest expense to average assets | 2.5857% | 4,240 |
| Loan and lease loss provision to assets | 0.0271% | 3,866 |
| Net operating income to assets | 1.0984% | 2,042 |
| Return on assets (ROA) | 1.1124% | 2,044 |
| Pretax return on assets | 1.8335% | 824 |
| Return on Equity (ROE) | 10.8540% | 1,856 |
| Retained earnings to average equity (ytd only) | 10.8540% | 542 |
| Net charge-offs to loans | -0.0016% | 5,177 |
| Credit loss provision to net charge-offs | -2,426.6667% | 5,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4411% | 5,386 |
| Assets per employee ($millions) | 4.6506% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 1,767 |
| Loan loss allowance to noncurrent loans | 399.9657% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 3,305 |
| Noncurrent loans to loans | 0.4423% | 4,575 |
| Net loans and leases to total assets | 70.8350% | 2,047 |
| Net loans and leases to deposits | 79.8721% | 2,708 |
| Net loans and leases to core deposits | 83.5902% | 2,932 |
| Total domestic deposits to total assets | 88.6855% | 1,404 |
| Equity capital to assets | 10.4894% | 3,578 |
| Core capital (leverage) ratio | 10.4586% | 3,091 |
| Tier 1 risk-based capital ratio | 13.4005% | 4,603 |
| Total risk-based capital ratio | 14.6556% | 4,541 |
| Memoranda: | ||
| Average total assets | $1,790,022,750 | 401 |
| Average earning assets | $1,685,163,750 | 384 |
| Average equity | $183,448,250 | 431 |
| Average total loans | $1,252,882,000 | 375 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,461 |
| Cost of funding earning assets | 0.5911% | 1,968 |
| Net interest margin | 3.7418% | 2,792 |
| Noninterest income to average assets | 0.8212% | 1,759 |
| Noninterest expense to average assets | 2.5756% | 4,328 |
| Loan and lease loss provision to assets | 0.0312% | 3,656 |
| Net operating income to assets | 1.0488% | 2,122 |
| Return on assets (ROA) | 1.0695% | 2,120 |
| Pretax return on assets | 1.7685% | 901 |
| Return on Equity (ROE) | 10.5206% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.5206% | 612 |
| Net charge-offs to loans | -0.0104% | 5,334 |
| Credit loss provision to net charge-offs | -432.8125% | 5,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3067% | 5,389 |
| Assets per employee ($millions) | 4.4818% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8512% | 1,698 |
| Loan loss allowance to noncurrent loans | 405.5759% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 3,382 |
| Noncurrent loans to loans | 0.4564% | 4,624 |
| Net loans and leases to total assets | 68.1559% | 2,388 |
| Net loans and leases to deposits | 76.6656% | 2,971 |
| Net loans and leases to core deposits | 80.5517% | 3,152 |
| Total domestic deposits to total assets | 88.9002% | 1,420 |
| Equity capital to assets | 10.3258% | 3,653 |
| Core capital (leverage) ratio | 10.2775% | 3,234 |
| Tier 1 risk-based capital ratio | 13.5044% | 4,578 |
| Total risk-based capital ratio | 14.6932% | 4,563 |
| Memoranda: | ||
| Average total assets | $1,777,465,330 | 402 |
| Average earning assets | $1,672,877,670 | 384 |
| Average equity | $180,692,670 | 435 |
| Average total loans | $1,231,189,000 | 378 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 2,417 |
| Cost of funding earning assets | 0.6058% | 1,928 |
| Net interest margin | 3.7229% | 2,774 |
| Noninterest income to average assets | 0.7280% | 2,043 |
| Noninterest expense to average assets | 2.5701% | 4,379 |
| Loan and lease loss provision to assets | 0.0566% | 2,982 |
| Net operating income to assets | 0.9670% | 2,331 |
| Return on assets (ROA) | 0.9670% | 2,402 |
| Pretax return on assets | 1.6040% | 1,162 |
| Return on Equity (ROE) | 9.5902% | 2,206 |
| Retained earnings to average equity (ytd only) | 9.5902% | 1,080 |
| Net charge-offs to loans | -0.0463% | 5,774 |
| Credit loss provision to net charge-offs | -176.5957% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7496% | 5,302 |
| Assets per employee ($millions) | 4.6333% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 1,724 |
| Loan loss allowance to noncurrent loans | 340.7597% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 3,206 |
| Noncurrent loans to loans | 0.5601% | 4,485 |
| Net loans and leases to total assets | 67.0224% | 2,391 |
| Net loans and leases to deposits | 75.3294% | 2,895 |
| Net loans and leases to core deposits | 79.4444% | 3,040 |
| Total domestic deposits to total assets | 88.9725% | 1,681 |
| Equity capital to assets | 10.0800% | 3,747 |
| Core capital (leverage) ratio | 10.1903% | 3,305 |
| Tier 1 risk-based capital ratio | 13.3652% | 4,789 |
| Total risk-based capital ratio | 14.6215% | 4,720 |
| Memoranda: | ||
| Average total assets | $1,760,872,000 | 403 |
| Average earning assets | $1,656,660,500 | 390 |
| Average equity | $177,557,000 | 439 |
| Average total loans | $1,218,112,000 | 377 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 2,324 |
| Cost of funding earning assets | 0.6775% | 1,977 |
| Net interest margin | 3.7919% | 2,681 |
| Noninterest income to average assets | 0.7950% | 2,102 |
| Noninterest expense to average assets | 2.7444% | 3,933 |
| Loan and lease loss provision to assets | 0.1278% | 2,711 |
| Net operating income to assets | 0.9437% | 2,595 |
| Return on assets (ROA) | 0.9467% | 2,649 |
| Pretax return on assets | 1.5034% | 1,438 |
| Return on Equity (ROE) | 9.4006% | 2,369 |
| Retained earnings to average equity (ytd only) | 7.8840% | 1,097 |
| Net charge-offs to loans | 0.3911% | 1,720 |
| Credit loss provision to net charge-offs | 45.9362% | 3,916 |
| Earnings coverage of net charge-offs (x) | 5.8459% | 3,194 |
| Efficiency ratio | 62.7861% | 5,090 |
| Assets per employee ($millions) | 4.4443% | 3,003 |
| Cash dividends to net income (ytd only)* | 16.1330% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 1,806 |
| Loan loss allowance to noncurrent loans | 297.4708% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 1.1873% | 3,027 |
| Noncurrent loans to loans | 0.6350% | 4,394 |
| Net loans and leases to total assets | 68.7305% | 2,220 |
| Net loans and leases to deposits | 77.2292% | 2,828 |
| Net loans and leases to core deposits | 81.4044% | 2,966 |
| Total domestic deposits to total assets | 88.9955% | 1,628 |
| Equity capital to assets | 10.0870% | 3,651 |
| Core capital (leverage) ratio | 10.1017% | 3,428 |
| Tier 1 risk-based capital ratio | 13.2031% | 4,850 |
| Total risk-based capital ratio | 14.4592% | 4,789 |
| Memoranda: | ||
| Average total assets | $1,702,420,600 | 407 |
| Average earning assets | $1,605,459,800 | 393 |
| Average equity | $171,435,400 | 437 |
| Average total loans | $1,211,119,400 | 369 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 2,378 |
| Cost of funding earning assets | 0.6894% | 2,023 |
| Net interest margin | 3.7730% | 2,735 |
| Noninterest income to average assets | 0.8215% | 2,050 |
| Noninterest expense to average assets | 2.7253% | 3,923 |
| Loan and lease loss provision to assets | 0.1701% | 2,133 |
| Net operating income to assets | 0.9320% | 2,679 |
| Return on assets (ROA) | 0.9359% | 2,772 |
| Pretax return on assets | 1.4923% | 1,635 |
| Return on Equity (ROE) | 9.2980% | 2,492 |
| Retained earnings to average equity (ytd only) | 9.2980% | 968 |
| Net charge-offs to loans | 0.4384% | 1,466 |
| Credit loss provision to net charge-offs | 54.3216% | 3,409 |
| Earnings coverage of net charge-offs (x) | 5.2897% | 3,229 |
| Efficiency ratio | 62.1981% | 5,104 |
| Assets per employee ($millions) | 4.4456% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9441% | 1,871 |
| Loan loss allowance to noncurrent loans | 219.2001% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 1.4386% | 2,799 |
| Noncurrent loans to loans | 0.8869% | 4,049 |
| Net loans and leases to total assets | 69.4141% | 2,065 |
| Net loans and leases to deposits | 78.1948% | 2,630 |
| Net loans and leases to core deposits | 82.6583% | 2,813 |
| Total domestic deposits to total assets | 88.7708% | 1,682 |
| Equity capital to assets | 10.0832% | 3,790 |
| Core capital (leverage) ratio | 10.2034% | 3,395 |
| Tier 1 risk-based capital ratio | 13.2894% | 4,912 |
| Total risk-based capital ratio | 14.5465% | 4,844 |
| Memoranda: | ||
| Average total assets | $1,694,706,750 | 410 |
| Average earning assets | $1,599,094,250 | 396 |
| Average equity | $170,585,250 | 441 |
| Average total loans | $1,210,343,250 | 369 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 2,297 |
| Cost of funding earning assets | 0.7039% | 2,041 |
| Net interest margin | 3.7681% | 2,682 |
| Noninterest income to average assets | 0.8059% | 2,161 |
| Noninterest expense to average assets | 2.8082% | 3,648 |
| Loan and lease loss provision to assets | 0.1689% | 2,226 |
| Net operating income to assets | 0.8660% | 2,966 |
| Return on assets (ROA) | 0.8718% | 3,098 |
| Pretax return on assets | 1.3936% | 1,955 |
| Return on Equity (ROE) | 8.6663% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.6663% | 1,237 |
| Net charge-offs to loans | 0.1787% | 2,686 |
| Credit loss provision to net charge-offs | 131.9741% | 1,723 |
| Earnings coverage of net charge-offs (x) | 12.1372% | 2,000 |
| Efficiency ratio | 64.3850% | 4,814 |
| Assets per employee ($millions) | 4.2866% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 1,671 |
| Loan loss allowance to noncurrent loans | 173.8145% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.6875% | 2,582 |
| Noncurrent loans to loans | 1.1980% | 3,558 |
| Net loans and leases to total assets | 71.7635% | 1,616 |
| Net loans and leases to deposits | 80.8375% | 2,205 |
| Net loans and leases to core deposits | 85.3949% | 2,393 |
| Total domestic deposits to total assets | 88.7750% | 1,743 |
| Equity capital to assets | 10.0742% | 3,825 |
| Core capital (leverage) ratio | 9.9615% | 3,573 |
| Tier 1 risk-based capital ratio | 12.8427% | 5,263 |
| Total risk-based capital ratio | 14.1018% | 5,185 |
| Memoranda: | ||
| Average total assets | $1,686,125,670 | 410 |
| Average earning assets | $1,591,072,670 | 395 |
| Average equity | $169,621,670 | 446 |
| Average total loans | $1,207,820,000 | 366 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 2,212 |
| Cost of funding earning assets | 0.7187% | 2,070 |
| Net interest margin | 3.7687% | 2,575 |
| Noninterest income to average assets | 0.7855% | 2,189 |
| Noninterest expense to average assets | 2.9987% | 2,997 |
| Loan and lease loss provision to assets | 0.1590% | 2,284 |
| Net operating income to assets | 0.7248% | 3,567 |
| Return on assets (ROA) | 0.7248% | 3,701 |
| Pretax return on assets | 1.1829% | 2,638 |
| Return on Equity (ROE) | 7.2104% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.2104% | 2,063 |
| Net charge-offs to loans | 0.1074% | 2,798 |
| Credit loss provision to net charge-offs | 209.0625% | 1,053 |
| Earnings coverage of net charge-offs (x) | 17.6406% | 1,303 |
| Efficiency ratio | 69.0837% | 4,133 |
| Assets per employee ($millions) | 4.5013% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1551% | 1,678 |
| Loan loss allowance to noncurrent loans | 163.2969% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 1.7919% | 2,614 |
| Noncurrent loans to loans | 1.3197% | 3,584 |
| Net loans and leases to total assets | 68.9627% | 1,846 |
| Net loans and leases to deposits | 77.5841% | 2,406 |
| Net loans and leases to core deposits | 81.7150% | 2,612 |
| Total domestic deposits to total assets | 88.8876% | 1,743 |
| Equity capital to assets | 9.9970% | 4,156 |
| Core capital (leverage) ratio | 9.7985% | 3,666 |
| Tier 1 risk-based capital ratio | 12.8642% | 5,324 |
| Total risk-based capital ratio | 14.1239% | 5,261 |
| Memoranda: | ||
| Average total assets | $1,682,579,000 | 417 |
| Average earning assets | $1,587,274,500 | 398 |
| Average equity | $169,143,500 | 454 |
| Average total loans | $1,191,252,500 | 373 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 2,432 |
| Cost of funding earning assets | 0.9235% | 1,793 |
| Net interest margin | 3.8150% | 3,163 |
| Noninterest income to average assets | 0.7682% | 2,402 |
| Noninterest expense to average assets | 2.5512% | 4,926 |
| Loan and lease loss provision to assets | 0.5871% | 947 |
| Net operating income to assets | 0.7528% | 3,501 |
| Return on assets (ROA) | 0.7631% | 3,695 |
| Pretax return on assets | 1.2368% | 2,651 |
| Return on Equity (ROE) | 7.6326% | 3,267 |
| Retained earnings to average equity (ytd only) | 6.7080% | 1,714 |
| Net charge-offs to loans | 0.7401% | 1,588 |
| Credit loss provision to net charge-offs | 111.3488% | 2,619 |
| Earnings coverage of net charge-offs (x) | 3.4289% | 3,730 |
| Efficiency ratio | 58.3663% | 5,777 |
| Assets per employee ($millions) | 4.3324% | 3,287 |
| Cash dividends to net income (ytd only)* | 12.1144% | 4,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 1,642 |
| Loan loss allowance to noncurrent loans | 143.4455% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 1.9885% | 2,465 |
| Noncurrent loans to loans | 1.5021% | 3,352 |
| Net loans and leases to total assets | 69.5915% | 1,922 |
| Net loans and leases to deposits | 78.2594% | 2,486 |
| Net loans and leases to core deposits | 82.5147% | 2,715 |
| Total domestic deposits to total assets | 88.9241% | 1,615 |
| Equity capital to assets | 10.1096% | 4,024 |
| Core capital (leverage) ratio | 9.6963% | 3,809 |
| Tier 1 risk-based capital ratio | 12.7876% | 5,261 |
| Total risk-based capital ratio | 14.0473% | 5,195 |
| Memoranda: | ||
| Average total assets | $1,622,692,400 | 420 |
| Average earning assets | $1,527,379,600 | 403 |
| Average equity | $162,225,200 | 460 |
| Average total loans | $1,156,047,400 | 379 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 2,569 |
| Cost of funding earning assets | 0.9597% | 1,787 |
| Net interest margin | 3.7927% | 3,367 |
| Noninterest income to average assets | 0.8031% | 2,226 |
| Noninterest expense to average assets | 2.5267% | 4,998 |
| Loan and lease loss provision to assets | 0.5683% | 1,010 |
| Net operating income to assets | 0.7821% | 3,543 |
| Return on assets (ROA) | 0.7958% | 3,713 |
| Pretax return on assets | 1.2987% | 2,615 |
| Return on Equity (ROE) | 7.9832% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.9832% | 1,622 |
| Net charge-offs to loans | 0.7502% | 1,479 |
| Credit loss provision to net charge-offs | 106.2945% | 2,762 |
| Earnings coverage of net charge-offs (x) | 3.4519% | 3,639 |
| Efficiency ratio | 57.5770% | 5,846 |
| Assets per employee ($millions) | 4.3887% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1361% | 1,842 |
| Loan loss allowance to noncurrent loans | 100.9148% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 2.6408% | 1,999 |
| Noncurrent loans to loans | 2.1167% | 2,708 |
| Net loans and leases to total assets | 69.4061% | 2,034 |
| Net loans and leases to deposits | 78.1584% | 2,641 |
| Net loans and leases to core deposits | 82.3242% | 2,919 |
| Total domestic deposits to total assets | 88.8018% | 1,535 |
| Equity capital to assets | 10.1363% | 4,299 |
| Core capital (leverage) ratio | 9.7882% | 3,828 |
| Tier 1 risk-based capital ratio | 12.7729% | 5,428 |
| Total risk-based capital ratio | 14.0321% | 5,377 |
| Memoranda: | ||
| Average total assets | $1,612,452,500 | 421 |
| Average earning assets | $1,517,446,000 | 404 |
| Average equity | $160,734,500 | 461 |
| Average total loans | $1,149,245,250 | 382 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 2,566 |
| Cost of funding earning assets | 0.9993% | 1,767 |
| Net interest margin | 3.7867% | 3,426 |
| Noninterest income to average assets | 0.7565% | 2,388 |
| Noninterest expense to average assets | 2.5480% | 4,967 |
| Loan and lease loss provision to assets | 0.5578% | 1,096 |
| Net operating income to assets | 0.7415% | 3,640 |
| Return on assets (ROA) | 0.7622% | 3,814 |
| Pretax return on assets | 1.2441% | 2,750 |
| Return on Equity (ROE) | 7.6909% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.6909% | 1,765 |
| Net charge-offs to loans | 0.6515% | 1,694 |
| Credit loss provision to net charge-offs | 119.9248% | 2,294 |
| Earnings coverage of net charge-offs (x) | 3.8045% | 3,262 |
| Efficiency ratio | 58.6913% | 5,770 |
| Assets per employee ($millions) | 4.3369% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2151% | 1,736 |
| Loan loss allowance to noncurrent loans | 99.1679% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 2.7036% | 2,037 |
| Noncurrent loans to loans | 2.2337% | 2,690 |
| Net loans and leases to total assets | 68.9494% | 2,107 |
| Net loans and leases to deposits | 77.4343% | 2,764 |
| Net loans and leases to core deposits | 81.3205% | 3,045 |
| Total domestic deposits to total assets | 89.0425% | 1,473 |
| Equity capital to assets | 10.0291% | 4,288 |
| Core capital (leverage) ratio | 9.6779% | 3,872 |
| Tier 1 risk-based capital ratio | 12.8138% | 5,328 |
| Total risk-based capital ratio | 14.0741% | 5,292 |
| Memoranda: | ||
| Average total assets | $1,601,352,000 | 425 |
| Average earning assets | $1,505,888,000 | 407 |
| Average equity | $158,706,670 | 463 |
| Average total loans | $1,143,265,330 | 381 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 2,779 |
| Cost of funding earning assets | 1.0544% | 1,650 |
| Net interest margin | 3.7120% | 3,775 |
| Noninterest income to average assets | 0.7399% | 2,448 |
| Noninterest expense to average assets | 2.4765% | 5,226 |
| Loan and lease loss provision to assets | 0.5664% | 1,024 |
| Net operating income to assets | 0.7239% | 3,764 |
| Return on assets (ROA) | 0.7276% | 3,977 |
| Pretax return on assets | 1.1916% | 2,941 |
| Return on Equity (ROE) | 7.3862% | 3,567 |
| Retained earnings to average equity (ytd only) | 7.3862% | 2,237 |
| Net charge-offs to loans | 0.3425% | 2,279 |
| Credit loss provision to net charge-offs | 230.2041% | 1,220 |
| Earnings coverage of net charge-offs (x) | 7.1214% | 2,112 |
| Efficiency ratio | 57.9766% | 5,919 |
| Assets per employee ($millions) | 4.4356% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2414% | 1,792 |
| Loan loss allowance to noncurrent loans | 90.8998% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 2.9983% | 1,932 |
| Noncurrent loans to loans | 2.4658% | 2,644 |
| Net loans and leases to total assets | 69.5074% | 1,837 |
| Net loans and leases to deposits | 77.8732% | 2,538 |
| Net loans and leases to core deposits | 81.7349% | 2,868 |
| Total domestic deposits to total assets | 89.2572% | 1,514 |
| Equity capital to assets | 9.7767% | 4,415 |
| Core capital (leverage) ratio | 9.6251% | 3,883 |
| Tier 1 risk-based capital ratio | 12.6851% | 5,461 |
| Total risk-based capital ratio | 13.9462% | 5,410 |
| Memoranda: | ||
| Average total assets | $1,593,188,500 | 424 |
| Average earning assets | $1,497,407,500 | 409 |
| Average equity | $156,941,000 | 465 |
| Average total loans | $1,144,574,500 | 379 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 2,511 |
| Cost of funding earning assets | 1.2557% | 1,697 |
| Net interest margin | 3.8288% | 3,682 |
| Noninterest income to average assets | 0.7010% | 2,598 |
| Noninterest expense to average assets | 2.6170% | 5,028 |
| Loan and lease loss provision to assets | 0.5724% | 1,816 |
| Net operating income to assets | 0.6706% | 3,625 |
| Return on assets (ROA) | 0.6787% | 3,782 |
| Pretax return on assets | 1.1216% | 2,756 |
| Return on Equity (ROE) | 6.9108% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.9108% | 1,543 |
| Net charge-offs to loans | 0.5654% | 2,761 |
| Credit loss provision to net charge-offs | 137.0932% | 2,171 |
| Earnings coverage of net charge-offs (x) | 4.0270% | 3,300 |
| Efficiency ratio | 60.2777% | 5,709 |
| Assets per employee ($millions) | 4.3060% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1550% | 1,887 |
| Loan loss allowance to noncurrent loans | 80.0555% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 3.1742% | 1,881 |
| Noncurrent loans to loans | 2.6919% | 2,417 |
| Net loans and leases to total assets | 71.0421% | 1,813 |
| Net loans and leases to deposits | 79.6337% | 2,590 |
| Net loans and leases to core deposits | 83.9876% | 2,894 |
| Total domestic deposits to total assets | 89.2111% | 1,416 |
| Equity capital to assets | 9.9273% | 4,258 |
| Core capital (leverage) ratio | 9.6181% | 3,833 |
| Tier 1 risk-based capital ratio | 12.6217% | 5,350 |
| Total risk-based capital ratio | 13.8818% | 5,335 |
| Memoranda: | ||
| Average total assets | $1,516,186,000 | 438 |
| Average earning assets | $1,424,535,800 | 418 |
| Average equity | $148,897,200 | 473 |
| Average total loans | $1,119,645,800 | 380 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1398% | 2,429 |
| Cost of funding earning assets | 1.2806% | 1,815 |
| Net interest margin | 3.8592% | 3,574 |
| Noninterest income to average assets | 0.7337% | 2,397 |
| Noninterest expense to average assets | 2.6007% | 5,077 |
| Loan and lease loss provision to assets | 0.6252% | 1,567 |
| Net operating income to assets | 0.6939% | 3,652 |
| Return on assets (ROA) | 0.7048% | 3,761 |
| Pretax return on assets | 1.1518% | 2,818 |
| Return on Equity (ROE) | 7.1971% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.1971% | 1,867 |
| Net charge-offs to loans | 0.5201% | 2,673 |
| Credit loss provision to net charge-offs | 162.0460% | 1,894 |
| Earnings coverage of net charge-offs (x) | 4.5618% | 3,023 |
| Efficiency ratio | 59.0372% | 5,862 |
| Assets per employee ($millions) | 4.2562% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2056% | 1,847 |
| Loan loss allowance to noncurrent loans | 91.7460% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 3.0288% | 2,119 |
| Noncurrent loans to loans | 2.4040% | 2,881 |
| Net loans and leases to total assets | 71.5880% | 1,799 |
| Net loans and leases to deposits | 80.3419% | 2,608 |
| Net loans and leases to core deposits | 85.1062% | 2,899 |
| Total domestic deposits to total assets | 89.1041% | 1,366 |
| Equity capital to assets | 9.9559% | 4,401 |
| Core capital (leverage) ratio | 9.7347% | 3,798 |
| Tier 1 risk-based capital ratio | 12.5142% | 5,473 |
| Total risk-based capital ratio | 13.7749% | 5,457 |
| Memoranda: | ||
| Average total assets | $1,503,384,750 | 444 |
| Average earning assets | $1,412,897,000 | 424 |
| Average equity | $147,221,750 | 483 |
| Average total loans | $1,115,049,000 | 384 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1581% | 2,427 |
| Cost of funding earning assets | 1.3063% | 1,904 |
| Net interest margin | 3.8519% | 3,523 |
| Noninterest income to average assets | 0.7686% | 2,164 |
| Noninterest expense to average assets | 2.6302% | 5,077 |
| Loan and lease loss provision to assets | 0.6153% | 1,557 |
| Net operating income to assets | 0.7009% | 3,544 |
| Return on assets (ROA) | 0.7009% | 3,652 |
| Pretax return on assets | 1.1437% | 2,687 |
| Return on Equity (ROE) | 7.1987% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.1987% | 1,787 |
| Net charge-offs to loans | 0.6005% | 2,324 |
| Credit loss provision to net charge-offs | 137.5412% | 2,222 |
| Earnings coverage of net charge-offs (x) | 3.9319% | 3,013 |
| Efficiency ratio | 59.3185% | 5,978 |
| Assets per employee ($millions) | 4.0859% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0780% | 2,168 |
| Loan loss allowance to noncurrent loans | 81.5376% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 2.8615% | 2,346 |
| Noncurrent loans to loans | 2.5485% | 2,834 |
| Net loans and leases to total assets | 73.6259% | 1,486 |
| Net loans and leases to deposits | 82.5563% | 2,365 |
| Net loans and leases to core deposits | 87.5906% | 2,689 |
| Total domestic deposits to total assets | 89.1826% | 1,426 |
| Equity capital to assets | 9.9586% | 4,209 |
| Core capital (leverage) ratio | 9.7248% | 3,632 |
| Tier 1 risk-based capital ratio | 12.3228% | 5,503 |
| Total risk-based capital ratio | 13.5821% | 5,474 |
| Memoranda: | ||
| Average total assets | $1,490,937,330 | 454 |
| Average earning assets | $1,401,396,330 | 435 |
| Average equity | $145,164,330 | 488 |
| Average total loans | $1,110,781,670 | 393 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 2,496 |
| Cost of funding earning assets | 1.3448% | 1,918 |
| Net interest margin | 3.7903% | 3,662 |
| Noninterest income to average assets | 0.7133% | 2,495 |
| Noninterest expense to average assets | 2.6304% | 5,114 |
| Loan and lease loss provision to assets | 0.5298% | 1,640 |
| Net operating income to assets | 0.6858% | 3,577 |
| Return on assets (ROA) | 0.6858% | 3,643 |
| Pretax return on assets | 1.1150% | 2,700 |
| Return on Equity (ROE) | 7.1261% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.1261% | 2,089 |
| Net charge-offs to loans | 0.7612% | 1,698 |
| Credit loss provision to net charge-offs | 93.8513% | 2,863 |
| Earnings coverage of net charge-offs (x) | 2.9137% | 2,920 |
| Efficiency ratio | 60.9038% | 5,847 |
| Assets per employee ($millions) | 4.3044% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 2,415 |
| Loan loss allowance to noncurrent loans | 115.8044% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 2.3043% | 2,945 |
| Noncurrent loans to loans | 1.7281% | 3,913 |
| Net loans and leases to total assets | 72.4970% | 1,612 |
| Net loans and leases to deposits | 81.0975% | 2,507 |
| Net loans and leases to core deposits | 86.0705% | 2,862 |
| Total domestic deposits to total assets | 89.3949% | 1,535 |
| Equity capital to assets | 9.7401% | 4,122 |
| Core capital (leverage) ratio | 9.5930% | 3,669 |
| Tier 1 risk-based capital ratio | 12.3839% | 5,364 |
| Total risk-based capital ratio | 13.6423% | 5,346 |
| Memoranda: | ||
| Average total assets | $1,486,639,000 | 458 |
| Average earning assets | $1,397,034,500 | 441 |
| Average equity | $143,080,000 | 492 |
| Average total loans | $1,102,435,500 | 399 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 2,615 |
| Cost of funding earning assets | 1.7061% | 1,575 |
| Net interest margin | 3.7059% | 4,317 |
| Noninterest income to average assets | 0.8360% | 2,115 |
| Noninterest expense to average assets | 2.3559% | 6,207 |
| Loan and lease loss provision to assets | 0.9935% | 1,634 |
| Net operating income to assets | 0.5970% | 3,682 |
| Return on assets (ROA) | 0.6198% | 3,751 |
| Pretax return on assets | 1.0211% | 2,860 |
| Return on Equity (ROE) | 6.6028% | 3,300 |
| Retained earnings to average equity (ytd only) | 3.3920% | 3,497 |
| Net charge-offs to loans | 0.8373% | 2,538 |
| Credit loss provision to net charge-offs | 159.4368% | 2,198 |
| Earnings coverage of net charge-offs (x) | 3.1758% | 3,486 |
| Efficiency ratio | 53.7373% | 6,829 |
| Assets per employee ($millions) | 4.3013% | 3,202 |
| Cash dividends to net income (ytd only)* | 48.6276% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0104% | 2,268 |
| Loan loss allowance to noncurrent loans | 89.6801% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 2.5924% | 2,690 |
| Noncurrent loans to loans | 2.2417% | 3,282 |
| Net loans and leases to total assets | 72.8413% | 1,915 |
| Net loans and leases to deposits | 81.2696% | 2,938 |
| Net loans and leases to core deposits | 86.3230% | 3,277 |
| Total domestic deposits to total assets | 89.6292% | 1,304 |
| Equity capital to assets | 9.5083% | 4,394 |
| Core capital (leverage) ratio | 9.3561% | 3,917 |
| Tier 1 risk-based capital ratio | 12.2242% | 5,280 |
| Total risk-based capital ratio | 13.4828% | 5,236 |
| Memoranda: | ||
| Average total assets | $1,493,167,600 | 456 |
| Average earning assets | $1,409,733,200 | 439 |
| Average equity | $140,152,000 | 491 |
| Average total loans | $1,111,247,000 | 404 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4596% | 2,603 |
| Cost of funding earning assets | 1.7780% | 1,519 |
| Net interest margin | 3.6816% | 4,501 |
| Noninterest income to average assets | 0.8376% | 2,043 |
| Noninterest expense to average assets | 2.3354% | 6,218 |
| Loan and lease loss provision to assets | 0.9065% | 1,672 |
| Net operating income to assets | 0.6562% | 3,619 |
| Return on assets (ROA) | 0.6711% | 3,701 |
| Pretax return on assets | 1.0994% | 2,826 |
| Return on Equity (ROE) | 7.1727% | 3,272 |
| Retained earnings to average equity (ytd only) | 2.8845% | 4,405 |
| Net charge-offs to loans | 0.6952% | 2,676 |
| Credit loss provision to net charge-offs | 175.1593% | 2,103 |
| Earnings coverage of net charge-offs (x) | 3.8308% | 3,285 |
| Efficiency ratio | 53.4708% | 6,833 |
| Assets per employee ($millions) | 4.2161% | 3,418 |
| Cash dividends to net income (ytd only)* | 59.7848% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8857% | 2,526 |
| Loan loss allowance to noncurrent loans | 76.1591% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 2.6226% | 2,758 |
| Noncurrent loans to loans | 2.4761% | 3,144 |
| Net loans and leases to total assets | 73.0359% | 2,011 |
| Net loans and leases to deposits | 81.5608% | 3,179 |
| Net loans and leases to core deposits | 87.2477% | 3,482 |
| Total domestic deposits to total assets | 89.5478% | 1,099 |
| Equity capital to assets | 9.5748% | 4,736 |
| Core capital (leverage) ratio | 9.1562% | 4,447 |
| Tier 1 risk-based capital ratio | 12.0934% | 5,370 |
| Total risk-based capital ratio | 13.3509% | 5,334 |
| Memoranda: | ||
| Average total assets | $1,495,469,250 | 453 |
| Average earning assets | $1,413,740,500 | 435 |
| Average equity | $139,915,250 | 486 |
| Average total loans | $1,113,280,500 | 402 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5053% | 2,493 |
| Cost of funding earning assets | 1.8397% | 1,489 |
| Net interest margin | 3.6656% | 4,520 |
| Noninterest income to average assets | 0.8021% | 2,104 |
| Noninterest expense to average assets | 2.2578% | 6,480 |
| Loan and lease loss provision to assets | 1.0941% | 1,313 |
| Net operating income to assets | 0.5631% | 4,024 |
| Return on assets (ROA) | 0.5854% | 4,077 |
| Pretax return on assets | 0.9534% | 3,296 |
| Return on Equity (ROE) | 6.3062% | 3,647 |
| Retained earnings to average equity (ytd only) | -0.1787% | 5,769 |
| Net charge-offs to loans | 0.6000% | 2,729 |
| Credit loss provision to net charge-offs | 244.9536% | 1,571 |
| Earnings coverage of net charge-offs (x) | 4.5058% | 2,933 |
| Efficiency ratio | 52.2507% | 7,041 |
| Assets per employee ($millions) | 4.3265% | 3,166 |
| Cash dividends to net income (ytd only)* | 102.8336% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 2,325 |
| Loan loss allowance to noncurrent loans | 75.4009% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 2.6275% | 2,750 |
| Noncurrent loans to loans | 2.5727% | 3,070 |
| Net loans and leases to total assets | 71.7294% | 2,479 |
| Net loans and leases to deposits | 79.6981% | 3,653 |
| Net loans and leases to core deposits | 87.5522% | 3,612 |
| Total domestic deposits to total assets | 90.0014% | 918 |
| Equity capital to assets | 9.2110% | 5,131 |
| Core capital (leverage) ratio | 8.8553% | 4,825 |
| Tier 1 risk-based capital ratio | 11.9141% | 5,390 |
| Total risk-based capital ratio | 13.1436% | 5,381 |
| Memoranda: | ||
| Average total assets | $1,495,053,000 | 454 |
| Average earning assets | $1,414,605,330 | 435 |
| Average equity | $138,784,330 | 486 |
| Average total loans | $1,112,990,330 | 409 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4671% | 2,749 |
| Cost of funding earning assets | 1.9105% | 1,404 |
| Net interest margin | 3.5566% | 4,915 |
| Noninterest income to average assets | 0.7656% | 2,202 |
| Noninterest expense to average assets | 2.4130% | 6,040 |
| Loan and lease loss provision to assets | 0.5671% | 2,227 |
| Net operating income to assets | 0.7077% | 3,408 |
| Return on assets (ROA) | 0.7163% | 3,476 |
| Pretax return on assets | 1.1700% | 2,475 |
| Return on Equity (ROE) | 7.6858% | 3,028 |
| Retained earnings to average equity (ytd only) | -5.3165% | 6,608 |
| Net charge-offs to loans | 0.4812% | 2,617 |
| Credit loss provision to net charge-offs | 156.9300% | 2,284 |
| Earnings coverage of net charge-offs (x) | 4.7697% | 2,556 |
| Efficiency ratio | 57.6878% | 6,536 |
| Assets per employee ($millions) | 4.2350% | 3,402 |
| Cash dividends to net income (ytd only)* | 169.1729% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 3,591 |
| Loan loss allowance to noncurrent loans | 54.2517% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 2.4577% | 2,956 |
| Noncurrent loans to loans | 2.8886% | 2,793 |
| Net loans and leases to total assets | 71.9299% | 2,463 |
| Net loans and leases to deposits | 79.9002% | 3,671 |
| Net loans and leases to core deposits | 87.6836% | 3,660 |
| Total domestic deposits to total assets | 90.0246% | 976 |
| Equity capital to assets | 9.0540% | 5,199 |
| Core capital (leverage) ratio | 8.9388% | 4,667 |
| Tier 1 risk-based capital ratio | 11.4105% | 5,752 |
| Total risk-based capital ratio | 12.6636% | 5,728 |
| Memoranda: | ||
| Average total assets | $1,485,439,500 | 472 |
| Average earning assets | $1,407,991,000 | 448 |
| Average equity | $138,436,500 | 492 |
| Average total loans | $1,115,650,000 | 426 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9891% | 1,916 |
| Cost of funding earning assets | 2.2714% | 1,764 |
| Net interest margin | 3.7177% | 4,053 |
| Noninterest income to average assets | 0.8733% | 2,061 |
| Noninterest expense to average assets | 2.5233% | 6,045 |
| Loan and lease loss provision to assets | 0.5470% | 3,634 |
| Net operating income to assets | 0.8128% | 2,481 |
| Return on assets (ROA) | 0.8228% | 2,531 |
| Pretax return on assets | 1.3404% | 1,582 |
| Return on Equity (ROE) | 8.7895% | 2,090 |
| Retained earnings to average equity (ytd only) | 8.0430% | 688 |
| Net charge-offs to loans | 0.2996% | 4,756 |
| Credit loss provision to net charge-offs | 235.8542% | 1,539 |
| Earnings coverage of net charge-offs (x) | 8.0711% | 2,009 |
| Efficiency ratio | 56.7829% | 6,918 |
| Assets per employee ($millions) | 3.9309% | 3,953 |
| Cash dividends to net income (ytd only)* | 8.4926% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 3,799 |
| Loan loss allowance to noncurrent loans | 56.2722% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.3100% | 2,991 |
| Noncurrent loans to loans | 2.6407% | 2,913 |
| Net loans and leases to total assets | 76.0865% | 1,775 |
| Net loans and leases to deposits | 85.0657% | 3,069 |
| Net loans and leases to core deposits | 119.7287% | 1,966 |
| Total domestic deposits to total assets | 89.4445% | 1,244 |
| Equity capital to assets | 9.5979% | 4,274 |
| Core capital (leverage) ratio | 9.2790% | 4,004 |
| Tier 1 risk-based capital ratio | 11.5425% | 5,356 |
| Total risk-based capital ratio | 12.7947% | 5,313 |
| Memoranda: | ||
| Average total assets | $1,431,173,800 | 475 |
| Average earning assets | $1,355,722,600 | 456 |
| Average equity | $133,967,000 | 503 |
| Average total loans | $1,107,941,000 | 443 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0585% | 1,803 |
| Cost of funding earning assets | 2.3335% | 1,864 |
| Net interest margin | 3.7250% | 3,970 |
| Noninterest income to average assets | 0.8976% | 1,990 |
| Noninterest expense to average assets | 2.5123% | 6,033 |
| Loan and lease loss provision to assets | 0.4230% | 3,785 |
| Net operating income to assets | 0.9090% | 2,393 |
| Return on assets (ROA) | 0.9222% | 2,409 |
| Pretax return on assets | 1.5118% | 1,382 |
| Return on Equity (ROE) | 9.9163% | 1,946 |
| Retained earnings to average equity (ytd only) | 8.9112% | 867 |
| Net charge-offs to loans | 0.2762% | 4,319 |
| Credit loss provision to net charge-offs | 197.6846% | 2,269 |
| Earnings coverage of net charge-offs (x) | 8.9454% | 2,176 |
| Efficiency ratio | 56.1307% | 6,981 |
| Assets per employee ($millions) | 3.9104% | 3,911 |
| Cash dividends to net income (ytd only)* | 10.1358% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 4,636 |
| Loan loss allowance to noncurrent loans | 94.8591% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 4,466 |
| Noncurrent loans to loans | 1.3459% | 4,683 |
| Net loans and leases to total assets | 77.4468% | 1,679 |
| Net loans and leases to deposits | 86.6275% | 3,206 |
| Net loans and leases to core deposits | 122.3623% | 2,041 |
| Total domestic deposits to total assets | 89.4021% | 1,016 |
| Equity capital to assets | 9.5597% | 4,665 |
| Core capital (leverage) ratio | 9.2143% | 4,315 |
| Tier 1 risk-based capital ratio | 11.4182% | 5,508 |
| Total risk-based capital ratio | 12.6685% | 5,452 |
| Memoranda: | ||
| Average total assets | $1,426,340,250 | 491 |
| Average earning assets | $1,351,184,750 | 474 |
| Average equity | $132,654,000 | 515 |
| Average total loans | $1,104,854,250 | 459 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0672% | 1,913 |
| Cost of funding earning assets | 2.3838% | 2,035 |
| Net interest margin | 3.6834% | 4,025 |
| Noninterest income to average assets | 0.9376% | 1,807 |
| Noninterest expense to average assets | 2.4481% | 6,303 |
| Loan and lease loss provision to assets | 0.4722% | 3,163 |
| Net operating income to assets | 0.9139% | 2,402 |
| Return on assets (ROA) | 0.9338% | 2,425 |
| Pretax return on assets | 1.5325% | 1,369 |
| Return on Equity (ROE) | 10.1357% | 1,974 |
| Retained earnings to average equity (ytd only) | 8.6106% | 1,034 |
| Net charge-offs to loans | 0.2811% | 3,788 |
| Credit loss provision to net charge-offs | 217.8224% | 2,113 |
| Earnings coverage of net charge-offs (x) | 9.1030% | 2,176 |
| Efficiency ratio | 54.7364% | 7,254 |
| Assets per employee ($millions) | 3.8746% | 3,934 |
| Cash dividends to net income (ytd only)* | 15.0466% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 4,534 |
| Loan loss allowance to noncurrent loans | 89.7377% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.4100% | 4,139 |
| Noncurrent loans to loans | 1.4042% | 4,407 |
| Net loans and leases to total assets | 76.2823% | 2,116 |
| Net loans and leases to deposits | 85.9389% | 3,563 |
| Net loans and leases to core deposits | 122.4522% | 2,165 |
| Total domestic deposits to total assets | 88.7635% | 1,399 |
| Equity capital to assets | 9.2857% | 4,901 |
| Core capital (leverage) ratio | 8.9657% | 4,690 |
| Tier 1 risk-based capital ratio | 11.2799% | 5,614 |
| Total risk-based capital ratio | 12.4310% | 5,618 |
| Memoranda: | ||
| Average total assets | $1,423,410,670 | 503 |
| Average earning assets | $1,346,359,670 | 486 |
| Average equity | $131,140,670 | 528 |
| Average total loans | $1,097,860,670 | 477 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1065% | 1,918 |
| Cost of funding earning assets | 2.3961% | 2,309 |
| Net interest margin | 3.7103% | 3,848 |
| Noninterest income to average assets | 0.8912% | 1,889 |
| Noninterest expense to average assets | 2.4212% | 6,125 |
| Loan and lease loss provision to assets | 0.5821% | 2,162 |
| Net operating income to assets | 0.8404% | 2,952 |
| Return on assets (ROA) | 0.9315% | 2,708 |
| Pretax return on assets | 1.5297% | 1,585 |
| Return on Equity (ROE) | 10.1513% | 2,264 |
| Retained earnings to average equity (ytd only) | 7.0780% | 2,182 |
| Net charge-offs to loans | 0.3638% | 2,643 |
| Credit loss provision to net charge-offs | 207.6459% | 2,153 |
| Earnings coverage of net charge-offs (x) | 7.0252% | 2,400 |
| Efficiency ratio | 54.5092% | 7,166 |
| Assets per employee ($millions) | 3.9875% | 3,686 |
| Cash dividends to net income (ytd only)* | 30.2755% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 4,748 |
| Loan loss allowance to noncurrent loans | 95.5371% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3444% | 3,975 |
| Noncurrent loans to loans | 1.2645% | 4,454 |
| Net loans and leases to total assets | 75.0333% | 2,494 |
| Net loans and leases to deposits | 84.5779% | 3,882 |
| Net loans and leases to core deposits | 120.3892% | 2,385 |
| Total domestic deposits to total assets | 88.7150% | 1,374 |
| Equity capital to assets | 9.1667% | 5,125 |
| Core capital (leverage) ratio | 8.9549% | 4,788 |
| Tier 1 risk-based capital ratio | 11.1124% | 5,802 |
| Total risk-based capital ratio | 12.2645% | 5,793 |
| Memoranda: | ||
| Average total assets | $1,418,307,000 | 507 |
| Average earning assets | $1,337,665,500 | 493 |
| Average equity | $130,150,500 | 532 |
| Average total loans | $1,093,014,500 | 481 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7785% | 1,756 |
| Cost of funding earning assets | 3.1283% | 1,424 |
| Net interest margin | 3.6502% | 4,678 |
| Noninterest income to average assets | 0.8882% | 2,008 |
| Noninterest expense to average assets | 2.4612% | 6,165 |
| Loan and lease loss provision to assets | 0.4850% | 2,874 |
| Net operating income to assets | 0.8269% | 3,327 |
| Return on assets (ROA) | 0.8376% | 3,117 |
| Pretax return on assets | 1.3616% | 2,085 |
| Return on Equity (ROE) | 9.4683% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.8440% | 634 |
| Net charge-offs to loans | 0.3826% | 2,915 |
| Credit loss provision to net charge-offs | 165.7538% | 3,104 |
| Earnings coverage of net charge-offs (x) | 6.2534% | 3,408 |
| Efficiency ratio | 56.6890% | 6,913 |
| Assets per employee ($millions) | 3.8173% | 3,921 |
| Cash dividends to net income (ytd only)* | 6.5943% | 4,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,195 |
| Loan loss allowance to noncurrent loans | 85.9388% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3683% | 3,460 |
| Noncurrent loans to loans | 1.2925% | 3,931 |
| Net loans and leases to total assets | 77.3436% | 2,302 |
| Net loans and leases to deposits | 87.1767% | 3,915 |
| Net loans and leases to core deposits | 123.4756% | 2,363 |
| Total domestic deposits to total assets | 88.7205% | 1,140 |
| Equity capital to assets | 9.1866% | 5,102 |
| Core capital (leverage) ratio | 8.9092% | 4,873 |
| Tier 1 risk-based capital ratio | 11.3249% | 5,413 |
| Total risk-based capital ratio | 12.4711% | 5,400 |
| Memoranda: | ||
| Average total assets | $1,385,034,200 | 502 |
| Average earning assets | $1,291,200,600 | 491 |
| Average equity | $122,524,400 | 553 |
| Average total loans | $1,059,287,600 | 471 |