Home > American National Bank and Trust Company > Performance and Condition Ratios
American National Bank and Trust Company, 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 | 4.2505% | 3,526 |
| Cost of funding earning assets | 1.2045% | 2,788 |
| Net interest margin | 3.0460% | 3,186 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.0773% | 3,458 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9993% | 2,225 |
| Return on assets (ROA) | 0.9975% | 2,212 |
| Pretax return on assets | 1.2909% | 1,893 |
| Return on Equity (ROE) | 8.7700% | 2,811 |
| Retained earnings to average equity (ytd only) | 4.2083% | 2,888 |
| Net charge-offs to loans | -0.0042% | 3,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.3168% | 3,042 |
| Assets per employee ($millions) | 8.7744% | 1,076 |
| Cash dividends to net income (ytd only)* | 52.0224% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 2,817 |
| Loan loss allowance to noncurrent loans | 434.6921% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 2,287 |
| Noncurrent loans to loans | 0.2539% | 2,276 |
| Net loans and leases to total assets | 73.3100% | 1,440 |
| Net loans and leases to deposits | 86.7273% | 1,559 |
| Net loans and leases to core deposits | 91.4655% | 1,955 |
| Total domestic deposits to total assets | 84.5300% | 2,460 |
| Equity capital to assets | 11.8226% | 1,196 |
| Core capital (leverage) ratio | 10.4567% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6233% | 2,022 |
| Memoranda: | ||
| Average total assets | $3,083,202,600 | 387 |
| Average earning assets | $2,825,454,400 | 379 |
| Average equity | $350,638,600 | 347 |
| Average total loans | $2,240,244,800 | 371 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 3,499 |
| Cost of funding earning assets | 1.0648% | 2,848 |
| Net interest margin | 3.1181% | 3,108 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.0488% | 3,472 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0998% | 2,057 |
| Return on assets (ROA) | 1.0974% | 2,050 |
| Pretax return on assets | 1.3913% | 1,799 |
| Return on Equity (ROE) | 9.7500% | 2,714 |
| Retained earnings to average equity (ytd only) | 5.1359% | 2,890 |
| Net charge-offs to loans | -0.0217% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.4363% | 3,150 |
| Assets per employee ($millions) | 8.6207% | 1,071 |
| Cash dividends to net income (ytd only)* | 47.3056% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 2,846 |
| Loan loss allowance to noncurrent loans | 671.7647% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 2,756 |
| Noncurrent loans to loans | 0.1644% | 2,724 |
| Net loans and leases to total assets | 72.9200% | 1,475 |
| Net loans and leases to deposits | 87.4521% | 1,432 |
| Net loans and leases to core deposits | 92.2350% | 1,779 |
| Total domestic deposits to total assets | 83.3800% | 2,938 |
| Equity capital to assets | 11.2943% | 1,244 |
| Core capital (leverage) ratio | 10.4406% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6936% | 2,011 |
| Memoranda: | ||
| Average total assets | $3,081,860,250 | 389 |
| Average earning assets | $2,826,928,500 | 382 |
| Average equity | $347,011,250 | 354 |
| Average total loans | $2,227,906,250 | 370 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 3,522 |
| Cost of funding earning assets | 0.8907% | 2,952 |
| Net interest margin | 3.1919% | 3,012 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.0134% | 3,563 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1387% | 2,007 |
| Return on assets (ROA) | 1.1352% | 2,013 |
| Pretax return on assets | 1.4397% | 1,724 |
| Return on Equity (ROE) | 10.0900% | 2,673 |
| Retained earnings to average equity (ytd only) | 5.4743% | 2,796 |
| Net charge-offs to loans | -0.0042% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.5563% | 3,347 |
| Assets per employee ($millions) | 8.5165% | 1,084 |
| Cash dividends to net income (ytd only)* | 45.7561% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 2,810 |
| Loan loss allowance to noncurrent loans | 2,474.8047% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,446 |
| Noncurrent loans to loans | 0.0455% | 3,392 |
| Net loans and leases to total assets | 71.5200% | 1,582 |
| Net loans and leases to deposits | 83.7270% | 1,696 |
| Net loans and leases to core deposits | 87.5259% | 1,964 |
| Total domestic deposits to total assets | 85.4200% | 2,416 |
| Equity capital to assets | 11.2102% | 1,300 |
| Core capital (leverage) ratio | 10.3892% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5749% | 2,070 |
| Memoranda: | ||
| Average total assets | $3,080,415,333 | 378 |
| Average earning assets | $2,824,829,667 | 373 |
| Average equity | $346,494,000 | 344 |
| Average total loans | $2,212,063,000 | 359 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 3,426 |
| Cost of funding earning assets | 0.6661% | 3,171 |
| Net interest margin | 3.3477% | 2,757 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 1.9923% | 3,643 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.2750% | 1,737 |
| Return on assets (ROA) | 1.2680% | 1,724 |
| Pretax return on assets | 1.6087% | 1,438 |
| Return on Equity (ROE) | 11.2500% | 2,425 |
| Retained earnings to average equity (ytd only) | 6.6222% | 2,613 |
| Net charge-offs to loans | 0.0392% | 967 |
| Credit loss provision to net charge-offs | 153.0233% | 943 |
| Earnings coverage of net charge-offs (x) | 59.2047% | 1,028 |
| Efficiency ratio | 53.5319% | 3,649 |
| Assets per employee ($millions) | 8.6038% | 1,090 |
| Cash dividends to net income (ytd only)* | 41.1523% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 2,903 |
| Loan loss allowance to noncurrent loans | 1,317.4881% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,164 |
| Noncurrent loans to loans | 0.0858% | 3,125 |
| Net loans and leases to total assets | 70.8200% | 1,544 |
| Net loans and leases to deposits | 83.1644% | 1,561 |
| Net loans and leases to core deposits | 86.7801% | 1,813 |
| Total domestic deposits to total assets | 85.1600% | 2,816 |
| Equity capital to assets | 11.3910% | 1,192 |
| Core capital (leverage) ratio | 10.2497% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6524% | 2,112 |
| Memoranda: | ||
| Average total assets | $3,066,359,000 | 393 |
| Average earning assets | $2,816,973,500 | 384 |
| Average equity | $345,505,500 | 355 |
| Average total loans | $2,193,838,500 | 373 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2336% | 3,754 |
| Cost of funding earning assets | 0.1420% | 4,164 |
| Net interest margin | 3.0916% | 3,197 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 1.9571% | 3,691 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1458% | 1,990 |
| Return on assets (ROA) | 1.1458% | 1,931 |
| Pretax return on assets | 1.4436% | 1,643 |
| Return on Equity (ROE) | 10.5000% | 2,643 |
| Retained earnings to average equity (ytd only) | 5.9174% | 2,675 |
| Net charge-offs to loans | 0.0350% | 1,379 |
| Credit loss provision to net charge-offs | 221.4979% | 1,061 |
| Earnings coverage of net charge-offs (x) | 66.3065% | 1,185 |
| Efficiency ratio | 55.5774% | 3,623 |
| Assets per employee ($millions) | 8.5269% | 1,080 |
| Cash dividends to net income (ytd only)* | 43.6229% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 3,794 |
| Loan loss allowance to noncurrent loans | 1,478.0801% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,368 |
| Noncurrent loans to loans | 0.0605% | 3,320 |
| Net loans and leases to total assets | 70.8200% | 1,545 |
| Net loans and leases to deposits | 83.3754% | 1,507 |
| Net loans and leases to core deposits | 86.2790% | 1,731 |
| Total domestic deposits to total assets | 84.9400% | 3,006 |
| Equity capital to assets | 11.1438% | 1,204 |
| Core capital (leverage) ratio | 10.1218% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3771% | 2,210 |
| Memoranda: | ||
| Average total assets | $3,201,070,400 | 373 |
| Average earning assets | $2,965,529,600 | 367 |
| Average equity | $349,442,800 | 343 |
| Average total loans | $2,058,283,000 | 370 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0639% | 3,759 |
| Cost of funding earning assets | 0.0880% | 4,362 |
| Net interest margin | 2.9759% | 3,283 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 1.9017% | 3,748 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1575% | 1,868 |
| Return on assets (ROA) | 1.1575% | 1,843 |
| Pretax return on assets | 1.4671% | 1,507 |
| Return on Equity (ROE) | 10.6600% | 2,519 |
| Retained earnings to average equity (ytd only) | 6.1044% | 2,718 |
| Net charge-offs to loans | -0.0048% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.9816% | 3,726 |
| Assets per employee ($millions) | 8.3916% | 1,121 |
| Cash dividends to net income (ytd only)* | 42.7137% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 3,837 |
| Loan loss allowance to noncurrent loans | 1,613.8772% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,465 |
| Noncurrent loans to loans | 0.0560% | 3,477 |
| Net loans and leases to total assets | 69.0400% | 1,564 |
| Net loans and leases to deposits | 78.0492% | 1,700 |
| Net loans and leases to core deposits | 80.1371% | 1,893 |
| Total domestic deposits to total assets | 88.4600% | 2,287 |
| Equity capital to assets | 10.9433% | 1,198 |
| Core capital (leverage) ratio | 9.7020% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5116% | 2,256 |
| Memoranda: | ||
| Average total assets | $3,236,050,000 | 367 |
| Average earning assets | $3,003,034,000 | 360 |
| Average equity | $351,521,000 | 344 |
| Average total loans | $2,025,976,250 | 371 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8592% | 3,875 |
| Cost of funding earning assets | 0.0801% | 4,377 |
| Net interest margin | 2.7791% | 3,501 |
| Noninterest income to average assets | 0.6319% | 1,608 |
| Noninterest expense to average assets | 1.8210% | 3,902 |
| Loan and lease loss provision to assets | -0.0107% | 4,401 |
| Net operating income to assets | 1.1091% | 1,739 |
| Return on assets (ROA) | 1.1091% | 1,717 |
| Pretax return on assets | 1.4074% | 1,417 |
| Return on Equity (ROE) | 10.2333% | 2,248 |
| Retained earnings to average equity (ytd only) | 5.7587% | 2,414 |
| Net charge-offs to loans | -0.0004% | 2,980 |
| Credit loss provision to net charge-offs | 4,425.0000% | 124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3682% | 3,840 |
| Assets per employee ($millions) | 9.3631% | 786 |
| Cash dividends to net income (ytd only)* | 43.7254% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 3,926 |
| Loan loss allowance to noncurrent loans | 1,254.5763% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,491 |
| Noncurrent loans to loans | 0.0724% | 3,436 |
| Net loans and leases to total assets | 62.4573% | 2,073 |
| Net loans and leases to deposits | 71.1507% | 2,098 |
| Net loans and leases to core deposits | 73.1514% | 2,228 |
| Total domestic deposits to total assets | 87.7817% | 2,665 |
| Equity capital to assets | 10.7407% | 1,344 |
| Core capital (leverage) ratio | 9.1579% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7003% | 2,206 |
| Memoranda: | ||
| Average total assets | $3,299,346,667 | 356 |
| Average earning assets | $3,069,760,000 | 349 |
| Average equity | $357,577,667 | 343 |
| Average total loans | $1,993,879,333 | 371 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7515% | 3,838 |
| Cost of funding earning assets | 0.0740% | 4,413 |
| Net interest margin | 2.6775% | 3,455 |
| Noninterest income to average assets | 0.6713% | 1,406 |
| Noninterest expense to average assets | 1.8007% | 3,941 |
| Loan and lease loss provision to assets | -0.0909% | 4,583 |
| Net operating income to assets | 1.1453% | 1,394 |
| Return on assets (ROA) | 1.1453% | 1,390 |
| Pretax return on assets | 1.4582% | 1,105 |
| Return on Equity (ROE) | 10.5222% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.1131% | 2,212 |
| Net charge-offs to loans | -0.0138% | 3,723 |
| Credit loss provision to net charge-offs | 1,114.7059% | 311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5901% | 3,915 |
| Assets per employee ($millions) | 9.8831% | 707 |
| Cash dividends to net income (ytd only)* | 41.9024% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 4,034 |
| Loan loss allowance to noncurrent loans | 981.3421% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,465 |
| Noncurrent loans to loans | 0.0921% | 3,380 |
| Net loans and leases to total assets | 59.0497% | 2,183 |
| Net loans and leases to deposits | 67.3011% | 2,217 |
| Net loans and leases to core deposits | 70.7578% | 2,231 |
| Total domestic deposits to total assets | 87.7396% | 2,651 |
| Equity capital to assets | 10.5902% | 1,551 |
| Core capital (leverage) ratio | 9.0101% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6607% | 2,359 |
| Memoranda: | ||
| Average total assets | $3,333,885,500 | 357 |
| Average earning assets | $3,108,744,500 | 352 |
| Average equity | $362,890,500 | 348 |
| Average total loans | $1,972,796,500 | 373 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2363% | 3,384 |
| Cost of funding earning assets | 0.1244% | 4,192 |
| Net interest margin | 3.1119% | 2,872 |
| Noninterest income to average assets | 0.6568% | 1,918 |
| Noninterest expense to average assets | 1.8125% | 4,122 |
| Loan and lease loss provision to assets | -0.0889% | 4,502 |
| Net operating income to assets | 1.4350% | 1,166 |
| Return on assets (ROA) | 1.4359% | 1,244 |
| Pretax return on assets | 1.8221% | 872 |
| Return on Equity (ROE) | 12.6278% | 1,596 |
| Retained earnings to average equity (ytd only) | 8.1985% | 1,463 |
| Net charge-offs to loans | -0.0051% | 3,556 |
| Credit loss provision to net charge-offs | 2,825.0000% | 240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8344% | 4,295 |
| Assets per employee ($millions) | 9.6164% | 752 |
| Cash dividends to net income (ytd only)* | 35.0754% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 3,913 |
| Loan loss allowance to noncurrent loans | 840.5941% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 3,465 |
| Noncurrent loans to loans | 0.1137% | 3,357 |
| Net loans and leases to total assets | 58.1970% | 2,355 |
| Net loans and leases to deposits | 66.8441% | 2,422 |
| Net loans and leases to core deposits | 70.6566% | 2,387 |
| Total domestic deposits to total assets | 87.0637% | 2,499 |
| Equity capital to assets | 11.1808% | 1,676 |
| Core capital (leverage) ratio | 8.7594% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0292% | 2,238 |
| Memoranda: | ||
| Average total assets | $3,176,814,000 | 357 |
| Average earning assets | $2,947,946,400 | 355 |
| Average equity | $361,236,000 | 347 |
| Average total loans | $1,972,061,000 | 369 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2714% | 3,458 |
| Cost of funding earning assets | 0.1380% | 4,208 |
| Net interest margin | 3.1334% | 2,951 |
| Noninterest income to average assets | 0.6821% | 1,880 |
| Noninterest expense to average assets | 1.8013% | 4,167 |
| Loan and lease loss provision to assets | -0.0370% | 4,414 |
| Net operating income to assets | 1.4377% | 1,420 |
| Return on assets (ROA) | 1.4377% | 1,487 |
| Pretax return on assets | 1.8197% | 1,114 |
| Return on Equity (ROE) | 12.5874% | 1,833 |
| Retained earnings to average equity (ytd only) | 8.1250% | 2,014 |
| Net charge-offs to loans | -0.0065% | 3,516 |
| Credit loss provision to net charge-offs | 896.9072% | 545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9394% | 4,302 |
| Assets per employee ($millions) | 9.4972% | 773 |
| Cash dividends to net income (ytd only)* | 35.4516% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,627 |
| Loan loss allowance to noncurrent loans | 1,084.0778% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,678 |
| Noncurrent loans to loans | 0.0976% | 3,593 |
| Net loans and leases to total assets | 58.8800% | 2,385 |
| Net loans and leases to deposits | 67.3703% | 2,502 |
| Net loans and leases to core deposits | 71.4618% | 2,469 |
| Total domestic deposits to total assets | 87.3976% | 2,160 |
| Equity capital to assets | 11.2257% | 1,874 |
| Core capital (leverage) ratio | 8.9510% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2092% | 2,292 |
| Memoranda: | ||
| Average total assets | $3,139,195,000 | 362 |
| Average earning assets | $2,907,231,250 | 359 |
| Average equity | $358,540,250 | 350 |
| Average total loans | $1,976,311,000 | 370 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 3,440 |
| Cost of funding earning assets | 0.1555% | 4,166 |
| Net interest margin | 3.1388% | 2,930 |
| Noninterest income to average assets | 0.7075% | 1,782 |
| Noninterest expense to average assets | 1.8020% | 4,177 |
| Loan and lease loss provision to assets | -0.0874% | 4,600 |
| Net operating income to assets | 1.4992% | 1,293 |
| Return on assets (ROA) | 1.4992% | 1,357 |
| Pretax return on assets | 1.8971% | 1,024 |
| Return on Equity (ROE) | 13.0477% | 1,701 |
| Retained earnings to average equity (ytd only) | 8.5464% | 1,878 |
| Net charge-offs to loans | -0.0046% | 3,410 |
| Credit loss provision to net charge-offs | 2,939.1304% | 214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5464% | 4,350 |
| Assets per employee ($millions) | 9.3797% | 746 |
| Cash dividends to net income (ytd only)* | 34.4991% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,666 |
| Loan loss allowance to noncurrent loans | 921.0357% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,706 |
| Noncurrent loans to loans | 0.1132% | 3,626 |
| Net loans and leases to total assets | 59.8314% | 2,449 |
| Net loans and leases to deposits | 68.7842% | 2,538 |
| Net loans and leases to core deposits | 73.4595% | 2,465 |
| Total domestic deposits to total assets | 86.9842% | 2,329 |
| Equity capital to assets | 11.3679% | 1,718 |
| Core capital (leverage) ratio | 8.9508% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4818% | 2,173 |
| Memoranda: | ||
| Average total assets | $3,093,416,333 | 364 |
| Average earning assets | $2,862,177,667 | 360 |
| Average equity | $355,448,667 | 349 |
| Average total loans | $1,985,131,333 | 368 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 3,133 |
| Cost of funding earning assets | 0.1844% | 4,048 |
| Net interest margin | 3.2382% | 2,579 |
| Noninterest income to average assets | 0.7623% | 1,680 |
| Noninterest expense to average assets | 1.7862% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5573% | 1,203 |
| Return on assets (ROA) | 1.5573% | 1,269 |
| Pretax return on assets | 1.9699% | 997 |
| Return on Equity (ROE) | 13.4775% | 1,546 |
| Retained earnings to average equity (ytd only) | 8.9308% | 1,968 |
| Net charge-offs to loans | -0.0026% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2219% | 4,455 |
| Assets per employee ($millions) | 8.9923% | 836 |
| Cash dividends to net income (ytd only)* | 33.7353% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,556 |
| Loan loss allowance to noncurrent loans | 861.8109% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 3,708 |
| Noncurrent loans to loans | 0.1245% | 3,689 |
| Net loans and leases to total assets | 64.6030% | 1,967 |
| Net loans and leases to deposits | 74.7221% | 2,050 |
| Net loans and leases to core deposits | 78.5501% | 2,134 |
| Total domestic deposits to total assets | 86.4577% | 2,546 |
| Equity capital to assets | 11.5675% | 1,502 |
| Core capital (leverage) ratio | 8.9705% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4024% | 2,118 |
| Memoranda: | ||
| Average total assets | $3,045,575,500 | 369 |
| Average earning assets | $2,815,768,500 | 364 |
| Average equity | $351,906,000 | 350 |
| Average total loans | $2,013,608,000 | 364 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 3,288 |
| Cost of funding earning assets | 0.3985% | 3,592 |
| Net interest margin | 3.4057% | 2,760 |
| Noninterest income to average assets | 0.5838% | 2,282 |
| Noninterest expense to average assets | 1.9411% | 4,248 |
| Loan and lease loss provision to assets | 0.3251% | 1,122 |
| Net operating income to assets | 1.1538% | 1,705 |
| Return on assets (ROA) | 1.1779% | 1,734 |
| Pretax return on assets | 1.4600% | 1,471 |
| Return on Equity (ROE) | 9.3114% | 2,281 |
| Retained earnings to average equity (ytd only) | 1.9608% | 3,841 |
| Net charge-offs to loans | 0.0335% | 2,376 |
| Credit loss provision to net charge-offs | 1,340.7519% | 624 |
| Earnings coverage of net charge-offs (x) | 72.3925% | 953 |
| Efficiency ratio | 50.8967% | 4,477 |
| Assets per employee ($millions) | 8.8707% | 773 |
| Cash dividends to net income (ytd only)* | 78.9425% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,665 |
| Loan loss allowance to noncurrent loans | 793.8798% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 3,684 |
| Noncurrent loans to loans | 0.1328% | 3,747 |
| Net loans and leases to total assets | 66.2290% | 2,069 |
| Net loans and leases to deposits | 76.5911% | 2,217 |
| Net loans and leases to core deposits | 81.7763% | 2,212 |
| Total domestic deposits to total assets | 86.4710% | 2,163 |
| Equity capital to assets | 11.5417% | 1,851 |
| Core capital (leverage) ratio | 8.8492% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9692% | 2,246 |
| Memoranda: | ||
| Average total assets | $2,742,425,600 | 369 |
| Average earning assets | $2,506,481,400 | 368 |
| Average equity | $346,907,000 | 334 |
| Average total loans | $1,983,704,400 | 355 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 3,279 |
| Cost of funding earning assets | 0.4465% | 3,545 |
| Net interest margin | 3.4445% | 2,769 |
| Noninterest income to average assets | 0.5894% | 2,217 |
| Noninterest expense to average assets | 1.9417% | 4,266 |
| Loan and lease loss provision to assets | 0.4161% | 819 |
| Net operating income to assets | 1.1143% | 1,935 |
| Return on assets (ROA) | 1.1472% | 1,942 |
| Pretax return on assets | 1.4102% | 1,697 |
| Return on Equity (ROE) | 8.8490% | 2,459 |
| Retained earnings to average equity (ytd only) | 3.4556% | 3,332 |
| Net charge-offs to loans | 0.0267% | 2,303 |
| Credit loss provision to net charge-offs | 2,109.1139% | 455 |
| Earnings coverage of net charge-offs (x) | 90.5114% | 845 |
| Efficiency ratio | 50.4241% | 4,461 |
| Assets per employee ($millions) | 8.4658% | 855 |
| Cash dividends to net income (ytd only)* | 60.9491% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 3,678 |
| Loan loss allowance to noncurrent loans | 625.2001% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 3,657 |
| Noncurrent loans to loans | 0.1612% | 3,740 |
| Net loans and leases to total assets | 71.7669% | 1,701 |
| Net loans and leases to deposits | 83.7193% | 1,937 |
| Net loans and leases to core deposits | 89.9312% | 1,973 |
| Total domestic deposits to total assets | 85.7233% | 2,172 |
| Equity capital to assets | 12.2147% | 1,566 |
| Core capital (leverage) ratio | 9.2330% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9361% | 2,236 |
| Memoranda: | ||
| Average total assets | $2,669,586,750 | 368 |
| Average earning assets | $2,431,938,250 | 368 |
| Average equity | $346,096,250 | 326 |
| Average total loans | $1,971,968,750 | 354 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 3,385 |
| Cost of funding earning assets | 0.5074% | 3,486 |
| Net interest margin | 3.4700% | 2,883 |
| Noninterest income to average assets | 0.5803% | 2,209 |
| Noninterest expense to average assets | 1.9299% | 4,364 |
| Loan and lease loss provision to assets | 0.4399% | 878 |
| Net operating income to assets | 1.1183% | 1,906 |
| Return on assets (ROA) | 1.1697% | 1,861 |
| Pretax return on assets | 1.4250% | 1,661 |
| Return on Equity (ROE) | 8.8328% | 2,430 |
| Retained earnings to average equity (ytd only) | 3.0175% | 3,382 |
| Net charge-offs to loans | 0.0370% | 1,996 |
| Credit loss provision to net charge-offs | 1,600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 65.5546% | 913 |
| Efficiency ratio | 49.9701% | 4,509 |
| Assets per employee ($millions) | 8.2556% | 884 |
| Cash dividends to net income (ytd only)* | 65.8371% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 4,083 |
| Loan loss allowance to noncurrent loans | 572.9721% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 3,782 |
| Noncurrent loans to loans | 0.1535% | 3,845 |
| Net loans and leases to total assets | 73.2418% | 1,519 |
| Net loans and leases to deposits | 85.6625% | 1,806 |
| Net loans and leases to core deposits | 92.5275% | 1,861 |
| Total domestic deposits to total assets | 85.5004% | 2,203 |
| Equity capital to assets | 12.2466% | 1,515 |
| Core capital (leverage) ratio | 9.4628% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5607% | 2,373 |
| Memoranda: | ||
| Average total assets | $2,597,169,667 | 369 |
| Average earning assets | $2,359,033,667 | 370 |
| Average equity | $343,921,667 | 327 |
| Average total loans | $1,931,664,000 | 355 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 3,088 |
| Cost of funding earning assets | 0.6150% | 3,363 |
| Net interest margin | 3.6274% | 2,582 |
| Noninterest income to average assets | 0.5988% | 2,051 |
| Noninterest expense to average assets | 2.1108% | 4,193 |
| Loan and lease loss provision to assets | 0.1542% | 1,856 |
| Net operating income to assets | 1.3594% | 1,084 |
| Return on assets (ROA) | 1.4701% | 909 |
| Pretax return on assets | 1.7497% | 772 |
| Return on Equity (ROE) | 10.6407% | 1,521 |
| Retained earnings to average equity (ytd only) | 4.7839% | 2,374 |
| Net charge-offs to loans | 0.0087% | 2,248 |
| Credit loss provision to net charge-offs | 2,382.5000% | 307 |
| Earnings coverage of net charge-offs (x) | 273.7750% | 259 |
| Efficiency ratio | 52.5798% | 4,506 |
| Assets per employee ($millions) | 6.9816% | 1,099 |
| Cash dividends to net income (ytd only)* | 55.0418% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 4,500 |
| Loan loss allowance to noncurrent loans | 462.9691% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 3,849 |
| Noncurrent loans to loans | 0.1635% | 3,877 |
| Net loans and leases to total assets | 74.3814% | 1,549 |
| Net loans and leases to deposits | 88.9439% | 1,651 |
| Net loans and leases to core deposits | 97.5974% | 1,677 |
| Total domestic deposits to total assets | 83.6274% | 2,913 |
| Equity capital to assets | 13.9546% | 1,072 |
| Core capital (leverage) ratio | 10.4097% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2338% | 2,601 |
| Memoranda: | ||
| Average total assets | $2,471,670,000 | 373 |
| Average earning assets | $2,237,868,000 | 372 |
| Average equity | $341,480,500 | 327 |
| Average total loans | $1,845,218,000 | 357 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 2,557 |
| Cost of funding earning assets | 0.6894% | 3,213 |
| Net interest margin | 3.9260% | 2,085 |
| Noninterest income to average assets | 0.6611% | 1,958 |
| Noninterest expense to average assets | 2.8946% | 2,312 |
| Loan and lease loss provision to assets | 0.0207% | 3,605 |
| Net operating income to assets | 1.0655% | 2,601 |
| Return on assets (ROA) | 1.0756% | 2,642 |
| Pretax return on assets | 1.3233% | 2,427 |
| Return on Equity (ROE) | 7.9586% | 3,184 |
| Retained earnings to average equity (ytd only) | -0.4316% | 4,758 |
| Net charge-offs to loans | 0.0066% | 3,437 |
| Credit loss provision to net charge-offs | 418.3486% | 684 |
| Earnings coverage of net charge-offs (x) | 269.3394% | 308 |
| Efficiency ratio | 66.9922% | 2,620 |
| Assets per employee ($millions) | 6.9433% | 1,062 |
| Cash dividends to net income (ytd only)* | 105.4230% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 4,538 |
| Loan loss allowance to noncurrent loans | 570.5857% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 3,905 |
| Noncurrent loans to loans | 0.1258% | 4,021 |
| Net loans and leases to total assets | 73.8253% | 1,784 |
| Net loans and leases to deposits | 87.9832% | 1,844 |
| Net loans and leases to core deposits | 97.2659% | 1,791 |
| Total domestic deposits to total assets | 83.9084% | 2,874 |
| Equity capital to assets | 13.6762% | 1,218 |
| Core capital (leverage) ratio | 10.2535% | 3,241 |
| Tier 1 risk-based capital ratio | 12.3759% | 4,144 |
| Total risk-based capital ratio | 13.0613% | 4,344 |
| Memoranda: | ||
| Average total assets | $2,204,799,600 | 390 |
| Average earning assets | $2,002,076,000 | 390 |
| Average equity | $297,967,600 | 347 |
| Average total loans | $1,640,354,400 | 380 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 2,528 |
| Cost of funding earning assets | 0.6977% | 3,234 |
| Net interest margin | 3.9618% | 2,071 |
| Noninterest income to average assets | 0.6701% | 1,914 |
| Noninterest expense to average assets | 3.0561% | 1,808 |
| Loan and lease loss provision to assets | -0.0004% | 5,020 |
| Net operating income to assets | 0.9706% | 3,080 |
| Return on assets (ROA) | 0.9826% | 3,121 |
| Pretax return on assets | 1.2290% | 2,886 |
| Return on Equity (ROE) | 7.2961% | 3,583 |
| Retained earnings to average equity (ytd only) | -2.6510% | 4,969 |
| Net charge-offs to loans | 0.0034% | 3,291 |
| Credit loss provision to net charge-offs | -14.6341% | 3,968 |
| Earnings coverage of net charge-offs (x) | 474.9835% | 208 |
| Efficiency ratio | 70.1750% | 2,089 |
| Assets per employee ($millions) | 6.6893% | 1,165 |
| Cash dividends to net income (ytd only)* | 136.3348% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7048% | 4,640 |
| Loan loss allowance to noncurrent loans | 549.9138% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 3,988 |
| Noncurrent loans to loans | 0.1282% | 4,077 |
| Net loans and leases to total assets | 73.6137% | 1,893 |
| Net loans and leases to deposits | 87.5693% | 1,991 |
| Net loans and leases to core deposits | 96.7955% | 1,934 |
| Total domestic deposits to total assets | 84.0633% | 2,798 |
| Equity capital to assets | 13.6305% | 1,302 |
| Core capital (leverage) ratio | 10.2614% | 3,351 |
| Tier 1 risk-based capital ratio | 12.3617% | 4,216 |
| Total risk-based capital ratio | 13.0401% | 4,417 |
| Memoranda: | ||
| Average total assets | $2,139,784,500 | 406 |
| Average earning assets | $1,944,137,750 | 408 |
| Average equity | $288,184,500 | 355 |
| Average total loans | $1,592,232,500 | 391 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 2,584 |
| Cost of funding earning assets | 0.6827% | 3,261 |
| Net interest margin | 3.9467% | 2,107 |
| Noninterest income to average assets | 0.6591% | 1,876 |
| Noninterest expense to average assets | 3.4930% | 969 |
| Loan and lease loss provision to assets | 0.0006% | 3,682 |
| Net operating income to assets | 0.6269% | 4,227 |
| Return on assets (ROA) | 0.6380% | 4,249 |
| Pretax return on assets | 0.7832% | 4,130 |
| Return on Equity (ROE) | 4.7601% | 4,404 |
| Retained earnings to average equity (ytd only) | -0.3622% | 4,746 |
| Net charge-offs to loans | 0.0033% | 3,048 |
| Credit loss provision to net charge-offs | 24.0000% | 2,631 |
| Earnings coverage of net charge-offs (x) | 314.0400% | 255 |
| Efficiency ratio | 80.7569% | 905 |
| Assets per employee ($millions) | 6.4885% | 1,243 |
| Cash dividends to net income (ytd only)* | 107.6095% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6951% | 4,727 |
| Loan loss allowance to noncurrent loans | 673.3017% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 4,070 |
| Noncurrent loans to loans | 0.1032% | 4,206 |
| Net loans and leases to total assets | 75.8805% | 1,565 |
| Net loans and leases to deposits | 91.2497% | 1,590 |
| Net loans and leases to core deposits | 100.6996% | 1,658 |
| Total domestic deposits to total assets | 83.1570% | 3,155 |
| Equity capital to assets | 13.9839% | 1,125 |
| Core capital (leverage) ratio | 10.3976% | 3,193 |
| Tier 1 risk-based capital ratio | 12.3355% | 4,225 |
| Total risk-based capital ratio | 13.0018% | 4,443 |
| Memoranda: | ||
| Average total assets | $2,039,187,000 | 419 |
| Average earning assets | $1,862,080,670 | 418 |
| Average equity | $273,313,330 | 375 |
| Average total loans | $1,519,612,330 | 403 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 3,814 |
| Cost of funding earning assets | 0.6194% | 3,467 |
| Net interest margin | 3.5974% | 3,255 |
| Noninterest income to average assets | 0.6727% | 1,713 |
| Noninterest expense to average assets | 2.2560% | 4,133 |
| Loan and lease loss provision to assets | 0.0034% | 3,374 |
| Net operating income to assets | 1.3741% | 1,444 |
| Return on assets (ROA) | 1.3748% | 1,475 |
| Pretax return on assets | 1.7249% | 1,156 |
| Return on Equity (ROE) | 10.5538% | 2,140 |
| Retained earnings to average equity (ytd only) | 4.7604% | 3,019 |
| Net charge-offs to loans | 0.0044% | 2,552 |
| Credit loss provision to net charge-offs | 106.6667% | 1,519 |
| Earnings coverage of net charge-offs (x) | 534.1333% | 134 |
| Efficiency ratio | 56.3356% | 4,287 |
| Assets per employee ($millions) | 6.2116% | 1,397 |
| Cash dividends to net income (ytd only)* | 54.8934% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,992 |
| Loan loss allowance to noncurrent loans | 979.0520% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 4,286 |
| Noncurrent loans to loans | 0.0961% | 4,318 |
| Net loans and leases to total assets | 72.6070% | 2,058 |
| Net loans and leases to deposits | 86.2864% | 2,097 |
| Net loans and leases to core deposits | 97.6868% | 1,801 |
| Total domestic deposits to total assets | 84.1465% | 2,993 |
| Equity capital to assets | 13.1799% | 1,358 |
| Core capital (leverage) ratio | 11.1481% | 2,431 |
| Tier 1 risk-based capital ratio | 13.8732% | 3,407 |
| Total risk-based capital ratio | 14.7673% | 3,506 |
| Memoranda: | ||
| Average total assets | $1,855,164,500 | 462 |
| Average earning assets | $1,707,322,000 | 457 |
| Average equity | $241,658,000 | 404 |
| Average total loans | $1,359,715,500 | 437 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 3,765 |
| Cost of funding earning assets | 0.4949% | 3,390 |
| Net interest margin | 3.5969% | 3,393 |
| Noninterest income to average assets | 0.7199% | 1,773 |
| Noninterest expense to average assets | 2.3795% | 3,939 |
| Loan and lease loss provision to assets | -0.0057% | 5,090 |
| Net operating income to assets | 1.3243% | 1,700 |
| Return on assets (ROA) | 1.3279% | 1,679 |
| Pretax return on assets | 1.6612% | 1,273 |
| Return on Equity (ROE) | 10.4738% | 2,306 |
| Retained earnings to average equity (ytd only) | 5.6956% | 2,364 |
| Net charge-offs to loans | 0.0519% | 2,414 |
| Credit loss provision to net charge-offs | -14.8201% | 4,281 |
| Earnings coverage of net charge-offs (x) | 43.1381% | 1,246 |
| Efficiency ratio | 58.6736% | 4,053 |
| Assets per employee ($millions) | 6.0756% | 1,474 |
| Cash dividends to net income (ytd only)* | 45.6204% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 3,981 |
| Loan loss allowance to noncurrent loans | 1,101.9793% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 4,287 |
| Noncurrent loans to loans | 0.0856% | 4,365 |
| Net loans and leases to total assets | 72.5995% | 2,156 |
| Net loans and leases to deposits | 85.7349% | 2,306 |
| Net loans and leases to core deposits | 95.9842% | 2,064 |
| Total domestic deposits to total assets | 84.6791% | 2,774 |
| Equity capital to assets | 12.8722% | 1,405 |
| Core capital (leverage) ratio | 10.9906% | 2,537 |
| Tier 1 risk-based capital ratio | 13.6787% | 3,450 |
| Total risk-based capital ratio | 14.5739% | 3,534 |
| Memoranda: | ||
| Average total assets | $1,815,824,000 | 453 |
| Average earning assets | $1,671,338,600 | 452 |
| Average equity | $230,213,000 | 406 |
| Average total loans | $1,338,731,000 | 436 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,764 |
| Cost of funding earning assets | 0.4641% | 3,430 |
| Net interest margin | 3.5940% | 3,388 |
| Noninterest income to average assets | 0.7252% | 1,772 |
| Noninterest expense to average assets | 2.3501% | 3,978 |
| Loan and lease loss provision to assets | -0.0072% | 5,203 |
| Net operating income to assets | 1.3585% | 1,629 |
| Return on assets (ROA) | 1.3633% | 1,613 |
| Pretax return on assets | 1.6960% | 1,287 |
| Return on Equity (ROE) | 10.7951% | 2,261 |
| Retained earnings to average equity (ytd only) | 5.8274% | 2,743 |
| Net charge-offs to loans | -0.0082% | 4,342 |
| Credit loss provision to net charge-offs | 118.2927% | 2,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8885% | 4,143 |
| Assets per employee ($millions) | 5.6857% | 1,746 |
| Cash dividends to net income (ytd only)* | 46.0181% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,643 |
| Loan loss allowance to noncurrent loans | 587.7163% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 4,051 |
| Noncurrent loans to loans | 0.1734% | 4,111 |
| Net loans and leases to total assets | 73.4403% | 2,087 |
| Net loans and leases to deposits | 86.4493% | 2,327 |
| Net loans and leases to core deposits | 97.6516% | 1,970 |
| Total domestic deposits to total assets | 84.9519% | 2,627 |
| Equity capital to assets | 12.8558% | 1,394 |
| Core capital (leverage) ratio | 11.0590% | 2,524 |
| Tier 1 risk-based capital ratio | 13.6943% | 3,518 |
| Total risk-based capital ratio | 14.6616% | 3,593 |
| Memoranda: | ||
| Average total assets | $1,806,515,750 | 456 |
| Average earning assets | $1,662,605,500 | 449 |
| Average equity | $228,133,750 | 407 |
| Average total loans | $1,333,884,750 | 432 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 3,743 |
| Cost of funding earning assets | 0.4448% | 3,388 |
| Net interest margin | 3.5695% | 3,412 |
| Noninterest income to average assets | 0.7154% | 1,815 |
| Noninterest expense to average assets | 2.3439% | 4,037 |
| Loan and lease loss provision to assets | -0.0082% | 5,298 |
| Net operating income to assets | 1.3477% | 1,605 |
| Return on assets (ROA) | 1.3484% | 1,611 |
| Pretax return on assets | 1.6705% | 1,296 |
| Return on Equity (ROE) | 10.7419% | 2,212 |
| Retained earnings to average equity (ytd only) | 6.3402% | 2,390 |
| Net charge-offs to loans | 0.0031% | 3,067 |
| Credit loss provision to net charge-offs | -352.3810% | 4,298 |
| Earnings coverage of net charge-offs (x) | 715.9048% | 115 |
| Efficiency ratio | 58.0951% | 4,216 |
| Assets per employee ($millions) | 5.6184% | 1,788 |
| Cash dividends to net income (ytd only)* | 40.9769% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 3,793 |
| Loan loss allowance to noncurrent loans | 646.3158% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 4,097 |
| Noncurrent loans to loans | 0.1558% | 4,205 |
| Net loans and leases to total assets | 73.1881% | 2,092 |
| Net loans and leases to deposits | 84.9722% | 2,433 |
| Net loans and leases to core deposits | 95.3309% | 2,123 |
| Total domestic deposits to total assets | 86.1319% | 2,216 |
| Equity capital to assets | 12.6436% | 1,466 |
| Core capital (leverage) ratio | 10.7991% | 2,704 |
| Tier 1 risk-based capital ratio | 13.3682% | 3,695 |
| Total risk-based capital ratio | 14.3222% | 3,777 |
| Memoranda: | ||
| Average total assets | $1,809,789,330 | 453 |
| Average earning assets | $1,668,040,330 | 445 |
| Average equity | $227,185,000 | 408 |
| Average total loans | $1,334,150,670 | 434 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,684 |
| Cost of funding earning assets | 0.4406% | 3,279 |
| Net interest margin | 3.5404% | 3,388 |
| Noninterest income to average assets | 0.7107% | 1,783 |
| Noninterest expense to average assets | 2.3303% | 4,115 |
| Loan and lease loss provision to assets | -0.0097% | 5,408 |
| Net operating income to assets | 1.3305% | 1,541 |
| Return on assets (ROA) | 1.3319% | 1,548 |
| Pretax return on assets | 1.6553% | 1,227 |
| Return on Equity (ROE) | 10.6488% | 2,108 |
| Retained earnings to average equity (ytd only) | 6.2251% | 2,616 |
| Net charge-offs to loans | -0.0048% | 3,996 |
| Credit loss provision to net charge-offs | 275.0000% | 867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2090% | 4,314 |
| Assets per employee ($millions) | 5.5460% | 1,895 |
| Cash dividends to net income (ytd only)* | 41.5420% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,805 |
| Loan loss allowance to noncurrent loans | 725.5478% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 4,086 |
| Noncurrent loans to loans | 0.1414% | 4,333 |
| Net loans and leases to total assets | 72.4250% | 2,102 |
| Net loans and leases to deposits | 83.8911% | 2,398 |
| Net loans and leases to core deposits | 95.7135% | 1,997 |
| Total domestic deposits to total assets | 86.3322% | 2,392 |
| Equity capital to assets | 12.5298% | 1,465 |
| Core capital (leverage) ratio | 10.6295% | 2,819 |
| Tier 1 risk-based capital ratio | 13.3669% | 3,736 |
| Total risk-based capital ratio | 14.3455% | 3,810 |
| Memoranda: | ||
| Average total assets | $1,807,319,000 | 453 |
| Average earning assets | $1,665,918,500 | 447 |
| Average equity | $226,054,000 | 414 |
| Average total loans | $1,330,388,500 | 435 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 3,643 |
| Cost of funding earning assets | 0.3921% | 3,316 |
| Net interest margin | 3.5335% | 3,410 |
| Noninterest income to average assets | 0.7593% | 1,736 |
| Noninterest expense to average assets | 2.4046% | 4,066 |
| Loan and lease loss provision to assets | 0.0583% | 3,067 |
| Net operating income to assets | 0.8936% | 2,752 |
| Return on assets (ROA) | 0.9152% | 2,651 |
| Pretax return on assets | 1.5701% | 1,379 |
| Return on Equity (ROE) | 7.2283% | 3,162 |
| Retained earnings to average equity (ytd only) | 4.5078% | 2,448 |
| Net charge-offs to loans | 0.0169% | 3,531 |
| Credit loss provision to net charge-offs | 474.7664% | 660 |
| Earnings coverage of net charge-offs (x) | 129.7897% | 526 |
| Efficiency ratio | 59.3698% | 4,355 |
| Assets per employee ($millions) | 5.5081% | 1,928 |
| Cash dividends to net income (ytd only)* | 37.6364% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,835 |
| Loan loss allowance to noncurrent loans | 531.3672% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 4,090 |
| Noncurrent loans to loans | 0.1914% | 4,149 |
| Net loans and leases to total assets | 73.2938% | 2,047 |
| Net loans and leases to deposits | 86.1903% | 2,238 |
| Net loans and leases to core deposits | 98.3076% | 1,842 |
| Total domestic deposits to total assets | 85.0373% | 2,825 |
| Equity capital to assets | 12.4856% | 1,526 |
| Core capital (leverage) ratio | 10.4331% | 2,927 |
| Tier 1 risk-based capital ratio | 12.7887% | 4,042 |
| Total risk-based capital ratio | 13.7450% | 4,108 |
| Memoranda: | ||
| Average total assets | $1,741,838,000 | 458 |
| Average earning assets | $1,597,109,400 | 453 |
| Average equity | $220,550,800 | 407 |
| Average total loans | $1,264,004,600 | 441 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9042% | 3,668 |
| Cost of funding earning assets | 0.3725% | 3,441 |
| Net interest margin | 3.5317% | 3,382 |
| Noninterest income to average assets | 0.7527% | 1,771 |
| Noninterest expense to average assets | 2.4054% | 4,006 |
| Loan and lease loss provision to assets | 0.0842% | 2,408 |
| Net operating income to assets | 1.0411% | 2,368 |
| Return on assets (ROA) | 1.0725% | 2,265 |
| Pretax return on assets | 1.5448% | 1,598 |
| Return on Equity (ROE) | 8.4395% | 2,908 |
| Retained earnings to average equity (ytd only) | 4.7916% | 3,024 |
| Net charge-offs to loans | 0.0035% | 3,610 |
| Credit loss provision to net charge-offs | 3,303.0303% | 139 |
| Earnings coverage of net charge-offs (x) | 621.0148% | 165 |
| Efficiency ratio | 59.4352% | 4,299 |
| Assets per employee ($millions) | 5.2871% | 2,131 |
| Cash dividends to net income (ytd only)* | 43.2245% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,683 |
| Loan loss allowance to noncurrent loans | 456.4559% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 3,901 |
| Noncurrent loans to loans | 0.2338% | 4,128 |
| Net loans and leases to total assets | 72.5332% | 2,178 |
| Net loans and leases to deposits | 86.5711% | 2,233 |
| Net loans and leases to core deposits | 99.5583% | 1,743 |
| Total domestic deposits to total assets | 83.7845% | 3,195 |
| Equity capital to assets | 12.6955% | 1,547 |
| Core capital (leverage) ratio | 10.5494% | 2,932 |
| Tier 1 risk-based capital ratio | 12.9586% | 4,037 |
| Total risk-based capital ratio | 13.9628% | 4,093 |
| Memoranda: | ||
| Average total assets | $1,725,635,750 | 463 |
| Average earning assets | $1,581,226,500 | 462 |
| Average equity | $219,296,000 | 413 |
| Average total loans | $1,245,564,750 | 448 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 3,745 |
| Cost of funding earning assets | 0.3517% | 3,563 |
| Net interest margin | 3.4922% | 3,430 |
| Noninterest income to average assets | 0.6947% | 2,012 |
| Noninterest expense to average assets | 2.4080% | 4,029 |
| Loan and lease loss provision to assets | 0.0760% | 2,460 |
| Net operating income to assets | 0.9876% | 2,486 |
| Return on assets (ROA) | 1.0359% | 2,311 |
| Pretax return on assets | 1.4787% | 1,727 |
| Return on Equity (ROE) | 8.1484% | 2,941 |
| Retained earnings to average equity (ytd only) | 2.6297% | 4,126 |
| Net charge-offs to loans | -0.0295% | 4,946 |
| Credit loss provision to net charge-offs | -359.1160% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7387% | 4,207 |
| Assets per employee ($millions) | 5.3512% | 2,011 |
| Cash dividends to net income (ytd only)* | 67.7277% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,819 |
| Loan loss allowance to noncurrent loans | 365.6652% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 3,891 |
| Noncurrent loans to loans | 0.2888% | 4,007 |
| Net loans and leases to total assets | 72.7809% | 2,083 |
| Net loans and leases to deposits | 86.9694% | 2,106 |
| Net loans and leases to core deposits | 99.7317% | 1,666 |
| Total domestic deposits to total assets | 83.6857% | 3,331 |
| Equity capital to assets | 12.5044% | 1,621 |
| Core capital (leverage) ratio | 10.4811% | 2,939 |
| Tier 1 risk-based capital ratio | 12.1610% | 4,516 |
| Total risk-based capital ratio | 13.1156% | 4,611 |
| Memoranda: | ||
| Average total assets | $1,710,459,330 | 467 |
| Average earning assets | $1,566,851,670 | 466 |
| Average equity | $217,442,000 | 413 |
| Average total loans | $1,227,906,330 | 458 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 3,829 |
| Cost of funding earning assets | 0.3387% | 3,650 |
| Net interest margin | 3.4412% | 3,475 |
| Noninterest income to average assets | 0.7054% | 1,941 |
| Noninterest expense to average assets | 2.4228% | 4,047 |
| Loan and lease loss provision to assets | 0.0711% | 2,384 |
| Net operating income to assets | 0.9715% | 2,428 |
| Return on assets (ROA) | 1.0151% | 2,298 |
| Pretax return on assets | 1.4215% | 1,812 |
| Return on Equity (ROE) | 7.9177% | 2,961 |
| Retained earnings to average equity (ytd only) | 2.3731% | 4,192 |
| Net charge-offs to loans | -0.0023% | 4,023 |
| Credit loss provision to net charge-offs | -4,285.7143% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8506% | 4,174 |
| Assets per employee ($millions) | 5.2349% | 2,150 |
| Cash dividends to net income (ytd only)* | 70.0280% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 3,867 |
| Loan loss allowance to noncurrent loans | 375.6950% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,986 |
| Noncurrent loans to loans | 0.2856% | 4,094 |
| Net loans and leases to total assets | 70.8278% | 2,247 |
| Net loans and leases to deposits | 85.0277% | 2,158 |
| Net loans and leases to core deposits | 96.3247% | 1,797 |
| Total domestic deposits to total assets | 83.2997% | 3,737 |
| Equity capital to assets | 12.7386% | 1,383 |
| Core capital (leverage) ratio | 10.5893% | 2,804 |
| Tier 1 risk-based capital ratio | 12.6852% | 4,268 |
| Total risk-based capital ratio | 13.6541% | 4,351 |
| Memoranda: | ||
| Average total assets | $1,688,096,500 | 477 |
| Average earning assets | $1,544,591,500 | 473 |
| Average equity | $216,425,500 | 417 |
| Average total loans | $1,196,323,500 | 463 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 3,770 |
| Cost of funding earning assets | 0.3725% | 3,292 |
| Net interest margin | 3.4687% | 3,550 |
| Noninterest income to average assets | 0.7757% | 1,852 |
| Noninterest expense to average assets | 2.4229% | 4,231 |
| Loan and lease loss provision to assets | 0.0156% | 4,062 |
| Net operating income to assets | 1.0453% | 2,160 |
| Return on assets (ROA) | 1.0819% | 2,077 |
| Pretax return on assets | 1.5524% | 1,424 |
| Return on Equity (ROE) | 7.8841% | 3,010 |
| Retained earnings to average equity (ytd only) | 0.6009% | 5,089 |
| Net charge-offs to loans | 0.0047% | 4,087 |
| Credit loss provision to net charge-offs | 500.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 485.3400% | 169 |
| Efficiency ratio | 59.9864% | 4,585 |
| Assets per employee ($millions) | 5.2176% | 2,151 |
| Cash dividends to net income (ytd only)* | 92.3788% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 3,749 |
| Loan loss allowance to noncurrent loans | 360.3885% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 4,104 |
| Noncurrent loans to loans | 0.3034% | 4,052 |
| Net loans and leases to total assets | 69.3577% | 2,571 |
| Net loans and leases to deposits | 84.2013% | 2,390 |
| Net loans and leases to core deposits | 95.7355% | 1,946 |
| Total domestic deposits to total assets | 82.3712% | 3,972 |
| Equity capital to assets | 12.9045% | 1,293 |
| Core capital (leverage) ratio | 10.8809% | 2,457 |
| Tier 1 risk-based capital ratio | 12.9229% | 4,119 |
| Total risk-based capital ratio | 13.8947% | 4,186 |
| Memoranda: | ||
| Average total assets | $1,600,924,000 | 477 |
| Average earning assets | $1,459,870,000 | 477 |
| Average equity | $219,682,800 | 403 |
| Average total loans | $1,073,117,000 | 481 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 3,662 |
| Cost of funding earning assets | 0.3837% | 3,195 |
| Net interest margin | 3.4936% | 3,495 |
| Noninterest income to average assets | 0.7473% | 1,978 |
| Noninterest expense to average assets | 2.4071% | 4,260 |
| Loan and lease loss provision to assets | 0.0168% | 3,908 |
| Net operating income to assets | 1.0526% | 2,190 |
| Return on assets (ROA) | 1.0916% | 2,137 |
| Pretax return on assets | 1.5612% | 1,493 |
| Return on Equity (ROE) | 7.8317% | 3,095 |
| Retained earnings to average equity (ytd only) | 2.3955% | 4,479 |
| Net charge-offs to loans | 0.0056% | 3,712 |
| Credit loss provision to net charge-offs | 454.5455% | 761 |
| Earnings coverage of net charge-offs (x) | 410.9436% | 218 |
| Efficiency ratio | 59.5681% | 4,599 |
| Assets per employee ($millions) | 5.2156% | 2,131 |
| Cash dividends to net income (ytd only)* | 69.4123% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 3,413 |
| Loan loss allowance to noncurrent loans | 331.6953% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 4,170 |
| Noncurrent loans to loans | 0.3535% | 3,990 |
| Net loans and leases to total assets | 66.7166% | 3,001 |
| Net loans and leases to deposits | 82.0268% | 2,729 |
| Net loans and leases to core deposits | 94.4777% | 2,152 |
| Total domestic deposits to total assets | 81.3350% | 4,159 |
| Equity capital to assets | 13.8146% | 1,113 |
| Core capital (leverage) ratio | 11.3171% | 2,177 |
| Tier 1 risk-based capital ratio | 14.0242% | 3,550 |
| Total risk-based capital ratio | 15.0606% | 3,588 |
| Memoranda: | ||
| Average total assets | $1,583,747,750 | 480 |
| Average earning assets | $1,442,562,000 | 479 |
| Average equity | $220,739,000 | 402 |
| Average total loans | $1,048,692,000 | 487 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 3,648 |
| Cost of funding earning assets | 0.3862% | 3,193 |
| Net interest margin | 3.4977% | 3,499 |
| Noninterest income to average assets | 0.7526% | 1,922 |
| Noninterest expense to average assets | 2.4176% | 4,279 |
| Loan and lease loss provision to assets | 0.0127% | 3,849 |
| Net operating income to assets | 1.0569% | 2,144 |
| Return on assets (ROA) | 1.1092% | 2,047 |
| Pretax return on assets | 1.5899% | 1,399 |
| Return on Equity (ROE) | 7.9344% | 3,012 |
| Retained earnings to average equity (ytd only) | 2.4824% | 4,301 |
| Net charge-offs to loans | 0.0052% | 3,520 |
| Credit loss provision to net charge-offs | 370.3704% | 822 |
| Earnings coverage of net charge-offs (x) | 445.4815% | 158 |
| Efficiency ratio | 59.4205% | 4,721 |
| Assets per employee ($millions) | 5.2905% | 1,992 |
| Cash dividends to net income (ytd only)* | 68.7128% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 3,406 |
| Loan loss allowance to noncurrent loans | 371.4537% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 4,323 |
| Noncurrent loans to loans | 0.3211% | 4,221 |
| Net loans and leases to total assets | 65.7171% | 3,117 |
| Net loans and leases to deposits | 80.6028% | 2,859 |
| Net loans and leases to core deposits | 92.8881% | 2,272 |
| Total domestic deposits to total assets | 81.5321% | 4,134 |
| Equity capital to assets | 13.9071% | 1,060 |
| Core capital (leverage) ratio | 11.3014% | 2,150 |
| Tier 1 risk-based capital ratio | 14.0881% | 3,553 |
| Total risk-based capital ratio | 15.1317% | 3,591 |
| Memoranda: | ||
| Average total assets | $1,574,455,670 | 483 |
| Average earning assets | $1,437,215,000 | 481 |
| Average equity | $220,105,670 | 404 |
| Average total loans | $1,035,597,000 | 492 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,321 |
| Cost of funding earning assets | 0.3873% | 3,220 |
| Net interest margin | 3.5861% | 3,143 |
| Noninterest income to average assets | 0.7220% | 1,927 |
| Noninterest expense to average assets | 2.4681% | 4,172 |
| Loan and lease loss provision to assets | 0.0128% | 3,524 |
| Net operating income to assets | 1.0514% | 2,081 |
| Return on assets (ROA) | 1.1170% | 1,943 |
| Pretax return on assets | 1.6050% | 1,277 |
| Return on Equity (ROE) | 7.9686% | 2,932 |
| Retained earnings to average equity (ytd only) | 2.4906% | 4,259 |
| Net charge-offs to loans | -0.0094% | 4,503 |
| Credit loss provision to net charge-offs | -208.3333% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9756% | 4,749 |
| Assets per employee ($millions) | 5.2500% | 2,081 |
| Cash dividends to net income (ytd only)* | 68.7443% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 3,341 |
| Loan loss allowance to noncurrent loans | 240.2388% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 3,876 |
| Noncurrent loans to loans | 0.5096% | 3,653 |
| Net loans and leases to total assets | 64.7154% | 3,152 |
| Net loans and leases to deposits | 78.8100% | 2,916 |
| Net loans and leases to core deposits | 90.4941% | 2,324 |
| Total domestic deposits to total assets | 82.1157% | 4,189 |
| Equity capital to assets | 13.9508% | 999 |
| Core capital (leverage) ratio | 11.4950% | 1,971 |
| Tier 1 risk-based capital ratio | 14.2881% | 3,503 |
| Total risk-based capital ratio | 15.3567% | 3,547 |
| Memoranda: | ||
| Average total assets | $1,562,822,500 | 487 |
| Average earning assets | $1,425,177,000 | 485 |
| Average equity | $219,060,000 | 402 |
| Average total loans | $1,022,070,000 | 495 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,029 |
| Cost of funding earning assets | 0.3799% | 3,369 |
| Net interest margin | 3.6904% | 2,785 |
| Noninterest income to average assets | 0.8385% | 1,644 |
| Noninterest expense to average assets | 2.6998% | 3,579 |
| Loan and lease loss provision to assets | 0.0637% | 3,021 |
| Net operating income to assets | 1.0152% | 2,282 |
| Return on assets (ROA) | 1.0565% | 2,183 |
| Pretax return on assets | 1.4849% | 1,605 |
| Return on Equity (ROE) | 7.4550% | 3,269 |
| Retained earnings to average equity (ytd only) | 2.2480% | 4,439 |
| Net charge-offs to loans | 0.0810% | 2,670 |
| Credit loss provision to net charge-offs | 122.4227% | 2,114 |
| Earnings coverage of net charge-offs (x) | 28.6314% | 1,501 |
| Efficiency ratio | 62.5080% | 4,532 |
| Assets per employee ($millions) | 5.0979% | 2,249 |
| Cash dividends to net income (ytd only)* | 69.8457% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 3,179 |
| Loan loss allowance to noncurrent loans | 242.0941% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 3,714 |
| Noncurrent loans to loans | 0.5160% | 3,630 |
| Net loans and leases to total assets | 64.4920% | 3,199 |
| Net loans and leases to deposits | 78.5496% | 2,990 |
| Net loans and leases to core deposits | 89.7778% | 2,422 |
| Total domestic deposits to total assets | 82.1036% | 4,143 |
| Equity capital to assets | 14.0910% | 903 |
| Core capital (leverage) ratio | 11.5390% | 1,930 |
| Tier 1 risk-based capital ratio | 14.5907% | 3,390 |
| Total risk-based capital ratio | 15.6832% | 3,388 |
| Memoranda: | ||
| Average total assets | $1,490,721,600 | 477 |
| Average earning assets | $1,353,906,600 | 476 |
| Average equity | $211,254,200 | 395 |
| Average total loans | $957,555,400 | 501 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0978% | 2,947 |
| Cost of funding earning assets | 0.3815% | 3,414 |
| Net interest margin | 3.7163% | 2,691 |
| Noninterest income to average assets | 0.8136% | 1,759 |
| Noninterest expense to average assets | 2.7859% | 3,242 |
| Loan and lease loss provision to assets | 0.0632% | 2,920 |
| Net operating income to assets | 0.9548% | 2,695 |
| Return on assets (ROA) | 0.9907% | 2,599 |
| Pretax return on assets | 1.3844% | 2,081 |
| Return on Equity (ROE) | 6.9809% | 3,626 |
| Retained earnings to average equity (ytd only) | 3.1652% | 4,208 |
| Net charge-offs to loans | 0.0728% | 2,519 |
| Credit loss provision to net charge-offs | 135.6589% | 1,817 |
| Earnings coverage of net charge-offs (x) | 30.0117% | 1,497 |
| Efficiency ratio | 64.6474% | 4,128 |
| Assets per employee ($millions) | 4.8720% | 2,455 |
| Cash dividends to net income (ytd only)* | 54.6598% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 3,193 |
| Loan loss allowance to noncurrent loans | 235.2799% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 4,011 |
| Noncurrent loans to loans | 0.5447% | 3,710 |
| Net loans and leases to total assets | 64.3154% | 3,256 |
| Net loans and leases to deposits | 78.9993% | 2,993 |
| Net loans and leases to core deposits | 90.4439% | 2,420 |
| Total domestic deposits to total assets | 81.4126% | 4,361 |
| Equity capital to assets | 14.4905% | 859 |
| Core capital (leverage) ratio | 11.6872% | 1,897 |
| Tier 1 risk-based capital ratio | 15.0586% | 3,265 |
| Total risk-based capital ratio | 16.1909% | 3,274 |
| Memoranda: | ||
| Average total assets | $1,477,234,000 | 487 |
| Average earning assets | $1,339,623,750 | 483 |
| Average equity | $209,652,750 | 403 |
| Average total loans | $944,746,500 | 510 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 2,666 |
| Cost of funding earning assets | 0.3832% | 3,444 |
| Net interest margin | 3.7809% | 2,398 |
| Noninterest income to average assets | 0.7917% | 1,812 |
| Noninterest expense to average assets | 2.9158% | 2,839 |
| Loan and lease loss provision to assets | 0.0955% | 2,218 |
| Net operating income to assets | 0.8719% | 3,034 |
| Return on assets (ROA) | 0.9257% | 2,880 |
| Pretax return on assets | 1.2791% | 2,437 |
| Return on Equity (ROE) | 6.5697% | 3,846 |
| Retained earnings to average equity (ytd only) | 2.6972% | 4,343 |
| Net charge-offs to loans | 0.0717% | 2,363 |
| Credit loss provision to net charge-offs | 209.5808% | 1,186 |
| Earnings coverage of net charge-offs (x) | 28.5329% | 1,413 |
| Efficiency ratio | 67.2200% | 3,796 |
| Assets per employee ($millions) | 4.7274% | 2,638 |
| Cash dividends to net income (ytd only)* | 58.9449% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 3,252 |
| Loan loss allowance to noncurrent loans | 339.1569% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 4,356 |
| Noncurrent loans to loans | 0.3827% | 4,337 |
| Net loans and leases to total assets | 63.9093% | 3,275 |
| Net loans and leases to deposits | 78.5429% | 2,967 |
| Net loans and leases to core deposits | 89.2113% | 2,429 |
| Total domestic deposits to total assets | 81.3686% | 4,499 |
| Equity capital to assets | 14.1633% | 931 |
| Core capital (leverage) ratio | 11.3875% | 2,081 |
| Tier 1 risk-based capital ratio | 15.1580% | 3,273 |
| Total risk-based capital ratio | 16.3287% | 3,253 |
| Memoranda: | ||
| Average total assets | $1,466,204,000 | 489 |
| Average earning assets | $1,327,826,000 | 491 |
| Average equity | $206,585,670 | 411 |
| Average total loans | $931,668,000 | 508 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 2,295 |
| Cost of funding earning assets | 0.3921% | 3,388 |
| Net interest margin | 3.8528% | 2,053 |
| Noninterest income to average assets | 0.7915% | 1,745 |
| Noninterest expense to average assets | 2.7662% | 3,361 |
| Loan and lease loss provision to assets | 0.1669% | 1,199 |
| Net operating income to assets | 0.9650% | 2,425 |
| Return on assets (ROA) | 1.0271% | 2,285 |
| Pretax return on assets | 1.4343% | 1,760 |
| Return on Equity (ROE) | 7.3099% | 3,326 |
| Retained earnings to average equity (ytd only) | 3.3511% | 3,975 |
| Net charge-offs to loans | 0.0809% | 1,901 |
| Credit loss provision to net charge-offs | 327.8689% | 766 |
| Earnings coverage of net charge-offs (x) | 29.7650% | 1,156 |
| Efficiency ratio | 62.6584% | 4,680 |
| Assets per employee ($millions) | 4.8363% | 2,574 |
| Cash dividends to net income (ytd only)* | 54.1565% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 3,262 |
| Loan loss allowance to noncurrent loans | 250.7125% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 4,003 |
| Noncurrent loans to loans | 0.5293% | 3,985 |
| Net loans and leases to total assets | 62.0957% | 3,353 |
| Net loans and leases to deposits | 76.4900% | 2,997 |
| Net loans and leases to core deposits | 87.3335% | 2,397 |
| Total domestic deposits to total assets | 81.1814% | 4,773 |
| Equity capital to assets | 14.0588% | 967 |
| Core capital (leverage) ratio | 11.3997% | 2,082 |
| Tier 1 risk-based capital ratio | 15.1922% | 3,322 |
| Total risk-based capital ratio | 16.3792% | 3,285 |
| Memoranda: | ||
| Average total assets | $1,438,202,000 | 495 |
| Average earning assets | $1,302,627,500 | 498 |
| Average equity | $202,081,000 | 416 |
| Average total loans | $904,689,500 | 522 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0055% | 3,711 |
| Cost of funding earning assets | 0.4216% | 3,461 |
| Net interest margin | 3.5840% | 3,462 |
| Noninterest income to average assets | 0.8120% | 1,822 |
| Noninterest expense to average assets | 2.6075% | 4,186 |
| Loan and lease loss provision to assets | 0.0305% | 3,995 |
| Net operating income to assets | 0.9955% | 2,404 |
| Return on assets (ROA) | 1.0229% | 2,360 |
| Pretax return on assets | 1.4460% | 1,734 |
| Return on Equity (ROE) | 6.9957% | 3,639 |
| Retained earnings to average equity (ytd only) | -1.8695% | 5,998 |
| Net charge-offs to loans | 0.0707% | 3,464 |
| Credit loss provision to net charge-offs | 69.8080% | 3,084 |
| Earnings coverage of net charge-offs (x) | 32.9127% | 1,250 |
| Efficiency ratio | 62.3556% | 4,855 |
| Assets per employee ($millions) | 4.7129% | 2,710 |
| Cash dividends to net income (ytd only)* | 126.7238% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 2,579 |
| Loan loss allowance to noncurrent loans | 302.2130% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 4,254 |
| Noncurrent loans to loans | 0.4886% | 4,197 |
| Net loans and leases to total assets | 61.9451% | 3,510 |
| Net loans and leases to deposits | 76.7067% | 3,118 |
| Net loans and leases to core deposits | 88.5691% | 2,436 |
| Total domestic deposits to total assets | 80.7558% | 4,806 |
| Equity capital to assets | 14.0419% | 937 |
| Core capital (leverage) ratio | 11.1518% | 2,258 |
| Tier 1 risk-based capital ratio | 15.2328% | 3,357 |
| Total risk-based capital ratio | 16.4838% | 3,308 |
| Memoranda: | ||
| Average total assets | $1,311,517,200 | 518 |
| Average earning assets | $1,183,242,800 | 521 |
| Average equity | $191,759,400 | 415 |
| Average total loans | $810,860,800 | 544 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 3,648 |
| Cost of funding earning assets | 0.4263% | 3,509 |
| Net interest margin | 3.6018% | 3,418 |
| Noninterest income to average assets | 0.8093% | 1,857 |
| Noninterest expense to average assets | 2.5971% | 4,206 |
| Loan and lease loss provision to assets | 0.0153% | 4,103 |
| Net operating income to assets | 1.0206% | 2,366 |
| Return on assets (ROA) | 1.0572% | 2,274 |
| Pretax return on assets | 1.4959% | 1,659 |
| Return on Equity (ROE) | 7.1580% | 3,631 |
| Retained earnings to average equity (ytd only) | 0.9312% | 5,510 |
| Net charge-offs to loans | 0.0216% | 4,085 |
| Credit loss provision to net charge-offs | 115.3846% | 1,967 |
| Earnings coverage of net charge-offs (x) | 109.8840% | 543 |
| Efficiency ratio | 61.7809% | 4,919 |
| Assets per employee ($millions) | 4.5109% | 2,950 |
| Cash dividends to net income (ytd only)* | 86.9902% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 2,525 |
| Loan loss allowance to noncurrent loans | 280.8189% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 4,316 |
| Noncurrent loans to loans | 0.5498% | 4,273 |
| Net loans and leases to total assets | 61.0982% | 3,612 |
| Net loans and leases to deposits | 76.2331% | 3,157 |
| Net loans and leases to core deposits | 87.6915% | 2,466 |
| Total domestic deposits to total assets | 80.1466% | 5,068 |
| Equity capital to assets | 14.7217% | 801 |
| Core capital (leverage) ratio | 11.7748% | 1,850 |
| Tier 1 risk-based capital ratio | 16.3277% | 2,889 |
| Total risk-based capital ratio | 17.5798% | 2,837 |
| Memoranda: | ||
| Average total assets | $1,304,780,250 | 521 |
| Average earning assets | $1,176,416,500 | 523 |
| Average equity | $192,712,750 | 414 |
| Average total loans | $803,190,750 | 547 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 3,564 |
| Cost of funding earning assets | 0.4361% | 3,482 |
| Net interest margin | 3.6099% | 3,320 |
| Noninterest income to average assets | 0.8165% | 1,779 |
| Noninterest expense to average assets | 2.5677% | 4,359 |
| Loan and lease loss provision to assets | 0.0231% | 3,813 |
| Net operating income to assets | 1.0601% | 2,079 |
| Return on assets (ROA) | 1.0810% | 2,074 |
| Pretax return on assets | 1.5069% | 1,516 |
| Return on Equity (ROE) | 7.3110% | 3,462 |
| Retained earnings to average equity (ytd only) | 1.5912% | 5,107 |
| Net charge-offs to loans | -0.0033% | 5,107 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6145% | 5,208 |
| Assets per employee ($millions) | 4.4628% | 2,982 |
| Cash dividends to net income (ytd only)* | 78.2361% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 2,583 |
| Loan loss allowance to noncurrent loans | 244.3147% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 4,161 |
| Noncurrent loans to loans | 0.6424% | 4,100 |
| Net loans and leases to total assets | 61.6335% | 3,461 |
| Net loans and leases to deposits | 77.0448% | 2,925 |
| Net loans and leases to core deposits | 89.1689% | 2,195 |
| Total domestic deposits to total assets | 79.9970% | 5,237 |
| Equity capital to assets | 14.9666% | 707 |
| Core capital (leverage) ratio | 11.8462% | 1,755 |
| Tier 1 risk-based capital ratio | 16.2427% | 2,960 |
| Total risk-based capital ratio | 17.4948% | 2,906 |
| Memoranda: | ||
| Average total assets | $1,300,644,000 | 524 |
| Average earning assets | $1,171,729,330 | 525 |
| Average equity | $192,312,670 | 411 |
| Average total loans | $798,454,670 | 548 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 3,373 |
| Cost of funding earning assets | 0.4476% | 3,456 |
| Net interest margin | 3.6285% | 3,146 |
| Noninterest income to average assets | 0.8248% | 1,652 |
| Noninterest expense to average assets | 2.5832% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0933% | 1,841 |
| Return on assets (ROA) | 1.1020% | 1,865 |
| Pretax return on assets | 1.5196% | 1,374 |
| Return on Equity (ROE) | 7.4987% | 3,204 |
| Retained earnings to average equity (ytd only) | 3.3165% | 4,137 |
| Net charge-offs to loans | -0.0071% | 4,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6671% | 5,311 |
| Assets per employee ($millions) | 4.4443% | 3,066 |
| Cash dividends to net income (ytd only)* | 55.7724% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 2,664 |
| Loan loss allowance to noncurrent loans | 226.9930% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 4,087 |
| Noncurrent loans to loans | 0.7081% | 4,099 |
| Net loans and leases to total assets | 59.4996% | 3,635 |
| Net loans and leases to deposits | 73.2291% | 3,164 |
| Net loans and leases to core deposits | 85.5543% | 2,362 |
| Total domestic deposits to total assets | 81.2513% | 5,165 |
| Equity capital to assets | 14.8487% | 707 |
| Core capital (leverage) ratio | 11.7729% | 1,784 |
| Tier 1 risk-based capital ratio | 16.7112% | 2,807 |
| Total risk-based capital ratio | 17.9637% | 2,771 |
| Memoranda: | ||
| Average total assets | $1,301,634,500 | 527 |
| Average earning assets | $1,171,613,500 | 528 |
| Average equity | $191,286,000 | 413 |
| Average total loans | $791,094,500 | 551 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 2,121 |
| Cost of funding earning assets | 0.4981% | 3,635 |
| Net interest margin | 4.0245% | 1,881 |
| Noninterest income to average assets | 0.7412% | 2,328 |
| Noninterest expense to average assets | 2.6078% | 4,437 |
| Loan and lease loss provision to assets | 0.0226% | 4,674 |
| Net operating income to assets | 1.2495% | 1,394 |
| Return on assets (ROA) | 1.2601% | 1,417 |
| Pretax return on assets | 1.7509% | 849 |
| Return on Equity (ROE) | 8.7120% | 2,693 |
| Retained earnings to average equity (ytd only) | 3.9225% | 3,415 |
| Net charge-offs to loans | -0.0235% | 6,170 |
| Credit loss provision to net charge-offs | -156.3830% | 5,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0766% | 5,843 |
| Assets per employee ($millions) | 4.5019% | 2,898 |
| Cash dividends to net income (ytd only)* | 54.9753% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 2,840 |
| Loan loss allowance to noncurrent loans | 248.4717% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6505% | 4,284 |
| Noncurrent loans to loans | 0.6359% | 4,392 |
| Net loans and leases to total assets | 60.1154% | 3,693 |
| Net loans and leases to deposits | 74.0025% | 3,253 |
| Net loans and leases to core deposits | 87.2049% | 2,324 |
| Total domestic deposits to total assets | 81.2344% | 5,111 |
| Equity capital to assets | 14.5439% | 770 |
| Core capital (leverage) ratio | 11.4290% | 2,015 |
| Tier 1 risk-based capital ratio | 16.3333% | 2,945 |
| Total risk-based capital ratio | 17.5857% | 2,898 |
| Memoranda: | ||
| Average total assets | $1,299,157,000 | 509 |
| Average earning assets | $1,170,302,400 | 509 |
| Average equity | $187,913,800 | 407 |
| Average total loans | $799,590,800 | 523 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 2,050 |
| Cost of funding earning assets | 0.5052% | 3,722 |
| Net interest margin | 4.0420% | 1,815 |
| Noninterest income to average assets | 0.8001% | 2,146 |
| Noninterest expense to average assets | 2.5496% | 4,556 |
| Loan and lease loss provision to assets | 0.0302% | 4,404 |
| Net operating income to assets | 1.3284% | 1,272 |
| Return on assets (ROA) | 1.3432% | 1,286 |
| Pretax return on assets | 1.8809% | 739 |
| Return on Equity (ROE) | 9.2992% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.3195% | 3,604 |
| Net charge-offs to loans | -0.0453% | 6,280 |
| Credit loss provision to net charge-offs | -108.0882% | 5,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7155% | 6,041 |
| Assets per employee ($millions) | 4.5593% | 2,787 |
| Cash dividends to net income (ytd only)* | 53.5496% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 3,099 |
| Loan loss allowance to noncurrent loans | 272.9503% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 4,436 |
| Noncurrent loans to loans | 0.5788% | 4,755 |
| Net loans and leases to total assets | 59.7661% | 3,732 |
| Net loans and leases to deposits | 73.5799% | 3,301 |
| Net loans and leases to core deposits | 87.1948% | 2,260 |
| Total domestic deposits to total assets | 81.2262% | 5,161 |
| Equity capital to assets | 14.2319% | 899 |
| Core capital (leverage) ratio | 11.4084% | 2,115 |
| Tier 1 risk-based capital ratio | 16.1046% | 3,130 |
| Total risk-based capital ratio | 17.3570% | 3,096 |
| Memoranda: | ||
| Average total assets | $1,297,561,250 | 510 |
| Average earning assets | $1,168,446,750 | 512 |
| Average equity | $187,423,250 | 407 |
| Average total loans | $800,130,750 | 521 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 1,821 |
| Cost of funding earning assets | 0.5175% | 3,730 |
| Net interest margin | 4.0918% | 1,565 |
| Noninterest income to average assets | 0.7899% | 2,240 |
| Noninterest expense to average assets | 2.5504% | 4,562 |
| Loan and lease loss provision to assets | 0.0456% | 4,056 |
| Net operating income to assets | 1.3279% | 1,248 |
| Return on assets (ROA) | 1.3498% | 1,281 |
| Pretax return on assets | 1.9090% | 739 |
| Return on Equity (ROE) | 9.2984% | 2,495 |
| Retained earnings to average equity (ytd only) | 3.9557% | 3,777 |
| Net charge-offs to loans | -0.0661% | 6,366 |
| Credit loss provision to net charge-offs | -111.3636% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0875% | 6,142 |
| Assets per employee ($millions) | 4.4250% | 2,938 |
| Cash dividends to net income (ytd only)* | 57.4581% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 3,196 |
| Loan loss allowance to noncurrent loans | 217.5017% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8821% | 4,035 |
| Noncurrent loans to loans | 0.7302% | 4,464 |
| Net loans and leases to total assets | 60.7900% | 3,522 |
| Net loans and leases to deposits | 74.8741% | 3,032 |
| Net loans and leases to core deposits | 89.1322% | 1,992 |
| Total domestic deposits to total assets | 81.1896% | 5,294 |
| Equity capital to assets | 14.3660% | 855 |
| Core capital (leverage) ratio | 11.2737% | 2,107 |
| Tier 1 risk-based capital ratio | 15.8138% | 3,309 |
| Total risk-based capital ratio | 16.8474% | 3,380 |
| Memoranda: | ||
| Average total assets | $1,289,346,670 | 512 |
| Average earning assets | $1,160,950,000 | 513 |
| Average equity | $187,172,670 | 408 |
| Average total loans | $799,202,670 | 518 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6227% | 1,763 |
| Cost of funding earning assets | 0.5306% | 3,769 |
| Net interest margin | 4.0922% | 1,483 |
| Noninterest income to average assets | 0.7798% | 2,214 |
| Noninterest expense to average assets | 2.5522% | 4,561 |
| Loan and lease loss provision to assets | 0.0913% | 3,136 |
| Net operating income to assets | 1.2921% | 1,299 |
| Return on assets (ROA) | 1.3357% | 1,288 |
| Pretax return on assets | 1.8842% | 754 |
| Return on Equity (ROE) | 9.1536% | 2,414 |
| Retained earnings to average equity (ytd only) | 4.8971% | 3,298 |
| Net charge-offs to loans | -0.0580% | 6,198 |
| Credit loss provision to net charge-offs | -253.4483% | 5,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2243% | 6,209 |
| Assets per employee ($millions) | 4.4286% | 3,099 |
| Cash dividends to net income (ytd only)* | 46.5008% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 3,515 |
| Loan loss allowance to noncurrent loans | 241.6201% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8512% | 4,254 |
| Noncurrent loans to loans | 0.6506% | 4,823 |
| Net loans and leases to total assets | 60.6568% | 3,320 |
| Net loans and leases to deposits | 75.3937% | 2,719 |
| Net loans and leases to core deposits | 90.2555% | 1,677 |
| Total domestic deposits to total assets | 80.4534% | 5,652 |
| Equity capital to assets | 14.6016% | 850 |
| Core capital (leverage) ratio | 11.2044% | 2,089 |
| Tier 1 risk-based capital ratio | 15.6642% | 3,445 |
| Total risk-based capital ratio | 16.6973% | 3,521 |
| Memoranda: | ||
| Average total assets | $1,287,970,500 | 514 |
| Average earning assets | $1,160,264,000 | 515 |
| Average equity | $187,947,500 | 416 |
| Average total loans | $799,732,500 | 515 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 1,604 |
| Cost of funding earning assets | 0.6323% | 4,076 |
| Net interest margin | 4.3514% | 1,281 |
| Noninterest income to average assets | 0.8547% | 2,019 |
| Noninterest expense to average assets | 2.7817% | 4,098 |
| Loan and lease loss provision to assets | 0.1640% | 3,562 |
| Net operating income to assets | 1.2796% | 1,369 |
| Return on assets (ROA) | 1.2883% | 1,489 |
| Pretax return on assets | 1.8014% | 918 |
| Return on Equity (ROE) | 9.1965% | 2,534 |
| Retained earnings to average equity (ytd only) | 4.8063% | 2,843 |
| Net charge-offs to loans | 0.0667% | 5,016 |
| Credit loss provision to net charge-offs | 392.0956% | 618 |
| Earnings coverage of net charge-offs (x) | 46.7022% | 708 |
| Efficiency ratio | 55.6073% | 6,105 |
| Assets per employee ($millions) | 4.1785% | 3,596 |
| Cash dividends to net income (ytd only)* | 47.7384% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 3,707 |
| Loan loss allowance to noncurrent loans | 227.9533% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.8972% | 4,251 |
| Noncurrent loans to loans | 0.6624% | 4,872 |
| Net loans and leases to total assets | 61.6184% | 3,312 |
| Net loans and leases to deposits | 76.7450% | 2,685 |
| Net loans and leases to core deposits | 91.1318% | 1,708 |
| Total domestic deposits to total assets | 80.2899% | 5,591 |
| Equity capital to assets | 14.5834% | 843 |
| Core capital (leverage) ratio | 10.9789% | 2,273 |
| Tier 1 risk-based capital ratio | 15.3581% | 3,505 |
| Total risk-based capital ratio | 16.4931% | 3,530 |
| Memoranda: | ||
| Average total assets | $1,300,740,200 | 513 |
| Average earning assets | $1,159,889,600 | 513 |
| Average equity | $182,220,600 | 410 |
| Average total loans | $815,422,000 | 503 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 1,631 |
| Cost of funding earning assets | 0.6514% | 4,187 |
| Net interest margin | 4.3726% | 1,271 |
| Noninterest income to average assets | 0.8619% | 1,975 |
| Noninterest expense to average assets | 2.7823% | 4,045 |
| Loan and lease loss provision to assets | 0.1838% | 3,289 |
| Net operating income to assets | 1.2833% | 1,485 |
| Return on assets (ROA) | 1.2951% | 1,600 |
| Pretax return on assets | 1.8040% | 1,041 |
| Return on Equity (ROE) | 9.3386% | 2,656 |
| Retained earnings to average equity (ytd only) | 4.9190% | 3,421 |
| Net charge-offs to loans | 0.0537% | 4,900 |
| Credit loss provision to net charge-offs | 545.1515% | 490 |
| Earnings coverage of net charge-offs (x) | 58.4817% | 665 |
| Efficiency ratio | 55.2755% | 6,129 |
| Assets per employee ($millions) | 4.1031% | 3,675 |
| Cash dividends to net income (ytd only)* | 47.3261% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 4,004 |
| Loan loss allowance to noncurrent loans | 153.5253% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 4,138 |
| Noncurrent loans to loans | 0.9697% | 4,499 |
| Net loans and leases to total assets | 60.8477% | 3,599 |
| Net loans and leases to deposits | 75.2747% | 3,099 |
| Net loans and leases to core deposits | 92.3396% | 1,747 |
| Total domestic deposits to total assets | 80.8342% | 5,413 |
| Equity capital to assets | 14.2480% | 1,062 |
| Core capital (leverage) ratio | 10.7619% | 2,647 |
| Tier 1 risk-based capital ratio | 14.8799% | 3,934 |
| Total risk-based capital ratio | 16.0160% | 3,963 |
| Memoranda: | ||
| Average total assets | $1,305,226,250 | 512 |
| Average earning assets | $1,161,689,000 | 518 |
| Average equity | $181,007,000 | 414 |
| Average total loans | $818,638,250 | 500 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2073% | 1,229 |
| Cost of funding earning assets | 0.6603% | 4,359 |
| Net interest margin | 4.5470% | 914 |
| Noninterest income to average assets | 0.9233% | 1,697 |
| Noninterest expense to average assets | 2.8683% | 3,752 |
| Loan and lease loss provision to assets | 0.2246% | 2,833 |
| Net operating income to assets | 1.3382% | 1,336 |
| Return on assets (ROA) | 1.3556% | 1,452 |
| Pretax return on assets | 1.8989% | 846 |
| Return on Equity (ROE) | 9.8654% | 2,414 |
| Retained earnings to average equity (ytd only) | 5.4055% | 3,043 |
| Net charge-offs to loans | -0.0253% | 6,483 |
| Credit loss provision to net charge-offs | -1,409.6154% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3722% | 6,286 |
| Assets per employee ($millions) | 4.0951% | 3,673 |
| Cash dividends to net income (ytd only)* | 45.2080% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 4,111 |
| Loan loss allowance to noncurrent loans | 151.3321% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.9865% | 4,402 |
| Noncurrent loans to loans | 0.9782% | 4,558 |
| Net loans and leases to total assets | 62.4188% | 3,353 |
| Net loans and leases to deposits | 77.0686% | 2,825 |
| Net loans and leases to core deposits | 95.3319% | 1,488 |
| Total domestic deposits to total assets | 80.9913% | 5,472 |
| Equity capital to assets | 14.1371% | 1,037 |
| Core capital (leverage) ratio | 10.4423% | 2,864 |
| Tier 1 risk-based capital ratio | 14.3646% | 4,201 |
| Total risk-based capital ratio | 15.5019% | 4,232 |
| Memoranda: | ||
| Average total assets | $1,305,370,000 | 515 |
| Average earning assets | $1,160,974,670 | 516 |
| Average equity | $179,373,670 | 415 |
| Average total loans | $822,872,330 | 498 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2612% | 1,186 |
| Cost of funding earning assets | 0.6745% | 4,508 |
| Net interest margin | 4.5867% | 844 |
| Noninterest income to average assets | 1.0577% | 1,290 |
| Noninterest expense to average assets | 3.0685% | 3,027 |
| Loan and lease loss provision to assets | 0.2233% | 2,715 |
| Net operating income to assets | 1.3325% | 1,371 |
| Return on assets (ROA) | 1.3325% | 1,531 |
| Pretax return on assets | 1.8403% | 996 |
| Return on Equity (ROE) | 9.8359% | 2,462 |
| Retained earnings to average equity (ytd only) | 5.3385% | 3,350 |
| Net charge-offs to loans | -0.2078% | 6,999 |
| Credit loss provision to net charge-offs | -170.8625% | 5,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5442% | 6,069 |
| Assets per employee ($millions) | 4.1846% | 3,610 |
| Cash dividends to net income (ytd only)* | 45.7247% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,492 |
| Loan loss allowance to noncurrent loans | 86.4719% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5041% | 3,604 |
| Noncurrent loans to loans | 1.6483% | 3,632 |
| Net loans and leases to total assets | 61.1466% | 3,420 |
| Net loans and leases to deposits | 75.0999% | 2,957 |
| Net loans and leases to core deposits | 91.7243% | 1,680 |
| Total domestic deposits to total assets | 81.4204% | 5,491 |
| Equity capital to assets | 13.5327% | 1,226 |
| Core capital (leverage) ratio | 10.1587% | 3,165 |
| Tier 1 risk-based capital ratio | 14.0810% | 4,410 |
| Total risk-based capital ratio | 15.2174% | 4,459 |
| Memoranda: | ||
| Average total assets | $1,313,069,500 | 510 |
| Average earning assets | $1,166,418,000 | 516 |
| Average equity | $177,878,500 | 417 |
| Average total loans | $825,666,500 | 495 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3448% | 1,579 |
| Cost of funding earning assets | 0.8488% | 4,480 |
| Net interest margin | 4.4961% | 1,144 |
| Noninterest income to average assets | 0.9113% | 1,637 |
| Noninterest expense to average assets | 2.7916% | 4,381 |
| Loan and lease loss provision to assets | 0.3094% | 3,191 |
| Net operating income to assets | 1.3257% | 1,184 |
| Return on assets (ROA) | 1.3256% | 1,281 |
| Pretax return on assets | 1.8484% | 732 |
| Return on Equity (ROE) | 9.6092% | 2,205 |
| Retained earnings to average equity (ytd only) | 6.4255% | 1,789 |
| Net charge-offs to loans | 0.1652% | 4,828 |
| Credit loss provision to net charge-offs | 298.7747% | 788 |
| Earnings coverage of net charge-offs (x) | 20.8388% | 1,115 |
| Efficiency ratio | 53.8738% | 6,524 |
| Assets per employee ($millions) | 4.1391% | 3,571 |
| Cash dividends to net income (ytd only)* | 33.1321% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 5,083 |
| Loan loss allowance to noncurrent loans | 76.7420% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.4629% | 3,782 |
| Noncurrent loans to loans | 1.6508% | 3,686 |
| Net loans and leases to total assets | 62.9350% | 3,421 |
| Net loans and leases to deposits | 77.3585% | 2,947 |
| Net loans and leases to core deposits | 92.9505% | 1,802 |
| Total domestic deposits to total assets | 81.3551% | 5,344 |
| Equity capital to assets | 13.5610% | 1,238 |
| Core capital (leverage) ratio | 9.9682% | 3,377 |
| Tier 1 risk-based capital ratio | 13.8565% | 4,431 |
| Total risk-based capital ratio | 14.9422% | 4,521 |
| Memoranda: | ||
| Average total assets | $1,024,604,400 | 642 |
| Average earning assets | $920,273,800 | 647 |
| Average equity | $141,343,600 | 493 |
| Average total loans | $642,065,400 | 640 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9611% | 3,283 |
| Cost of funding earning assets | 0.8805% | 4,550 |
| Net interest margin | 4.0806% | 2,548 |
| Noninterest income to average assets | 0.9045% | 1,633 |
| Noninterest expense to average assets | 2.7638% | 4,485 |
| Loan and lease loss provision to assets | 0.1673% | 4,383 |
| Net operating income to assets | 1.2197% | 1,600 |
| Return on assets (ROA) | 1.2178% | 1,715 |
| Pretax return on assets | 1.6475% | 1,264 |
| Return on Equity (ROE) | 8.7772% | 2,697 |
| Retained earnings to average equity (ytd only) | 4.2482% | 3,706 |
| Net charge-offs to loans | 0.1193% | 4,835 |
| Credit loss provision to net charge-offs | 225.1880% | 1,271 |
| Earnings coverage of net charge-offs (x) | 24.4623% | 1,075 |
| Efficiency ratio | 58.0900% | 5,994 |
| Assets per employee ($millions) | 4.2622% | 3,349 |
| Cash dividends to net income (ytd only)* | 51.5996% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 5,863 |
| Loan loss allowance to noncurrent loans | 67.5288% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4855% | 3,888 |
| Noncurrent loans to loans | 1.6384% | 3,836 |
| Net loans and leases to total assets | 62.2687% | 3,652 |
| Net loans and leases to deposits | 75.7851% | 3,359 |
| Net loans and leases to core deposits | 90.7430% | 2,156 |
| Total domestic deposits to total assets | 82.1648% | 5,029 |
| Equity capital to assets | 13.0499% | 1,597 |
| Core capital (leverage) ratio | 9.4709% | 4,199 |
| Tier 1 risk-based capital ratio | 13.2417% | 4,918 |
| Total risk-based capital ratio | 14.1717% | 5,138 |
| Memoranda: | ||
| Average total assets | $954,800,750 | 693 |
| Average earning assets | $860,278,000 | 689 |
| Average equity | $132,476,750 | 531 |
| Average total loans | $594,809,750 | 712 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 5,276 |
| Cost of funding earning assets | 0.8978% | 4,688 |
| Net interest margin | 3.6268% | 4,621 |
| Noninterest income to average assets | 0.8405% | 1,833 |
| Noninterest expense to average assets | 2.6792% | 4,902 |
| Loan and lease loss provision to assets | 0.1606% | 4,313 |
| Net operating income to assets | 1.0166% | 2,158 |
| Return on assets (ROA) | 1.0132% | 2,272 |
| Pretax return on assets | 1.2916% | 2,162 |
| Return on Equity (ROE) | 7.0841% | 3,414 |
| Retained earnings to average equity (ytd only) | -0.4220% | 5,934 |
| Net charge-offs to loans | 0.1344% | 4,401 |
| Credit loss provision to net charge-offs | 192.8367% | 1,563 |
| Earnings coverage of net charge-offs (x) | 17.4928% | 1,299 |
| Efficiency ratio | 63.6920% | 5,298 |
| Assets per employee ($millions) | 3.4482% | 5,085 |
| Cash dividends to net income (ytd only)* | 105.9571% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 3,345 |
| Loan loss allowance to noncurrent loans | 252.4249% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8292% | 5,225 |
| Noncurrent loans to loans | 0.6711% | 5,563 |
| Net loans and leases to total assets | 60.3093% | 4,215 |
| Net loans and leases to deposits | 76.3481% | 3,405 |
| Net loans and leases to core deposits | 89.8759% | 2,385 |
| Total domestic deposits to total assets | 78.9926% | 6,090 |
| Equity capital to assets | 14.4645% | 948 |
| Core capital (leverage) ratio | 11.7297% | 1,763 |
| Tier 1 risk-based capital ratio | 17.0303% | 2,505 |
| Total risk-based capital ratio | 18.1124% | 2,548 |
| Memoranda: | ||
| Average total assets | $838,322,330 | 797 |
| Average earning assets | $761,665,000 | 795 |
| Average equity | $119,901,670 | 586 |
| Average total loans | $519,340,670 | 826 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 5,145 |
| Cost of funding earning assets | 0.9113% | 4,844 |
| Net interest margin | 3.6457% | 4,348 |
| Noninterest income to average assets | 0.9259% | 1,562 |
| Noninterest expense to average assets | 2.6195% | 5,155 |
| Loan and lease loss provision to assets | 0.1611% | 4,018 |
| Net operating income to assets | 1.0723% | 1,942 |
| Return on assets (ROA) | 1.0727% | 1,988 |
| Pretax return on assets | 1.4579% | 1,572 |
| Return on Equity (ROE) | 7.5427% | 3,132 |
| Retained earnings to average equity (ytd only) | -2.5411% | 6,225 |
| Net charge-offs to loans | 0.3839% | 2,537 |
| Credit loss provision to net charge-offs | 67.4000% | 3,397 |
| Earnings coverage of net charge-offs (x) | 6.7720% | 2,050 |
| Efficiency ratio | 60.7489% | 5,870 |
| Assets per employee ($millions) | 3.4735% | 5,057 |
| Cash dividends to net income (ytd only)* | 133.6898% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 3,753 |
| Loan loss allowance to noncurrent loans | 241.6447% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 5,255 |
| Noncurrent loans to loans | 0.6597% | 5,709 |
| Net loans and leases to total assets | 60.6347% | 4,145 |
| Net loans and leases to deposits | 76.1006% | 3,402 |
| Net loans and leases to core deposits | 90.8837% | 2,253 |
| Total domestic deposits to total assets | 79.6770% | 6,024 |
| Equity capital to assets | 14.1559% | 962 |
| Core capital (leverage) ratio | 11.7013% | 1,738 |
| Tier 1 risk-based capital ratio | 16.8724% | 2,526 |
| Total risk-based capital ratio | 17.9538% | 2,560 |
| Memoranda: | ||
| Average total assets | $836,799,000 | 799 |
| Average earning assets | $760,243,500 | 804 |
| Average equity | $119,002,500 | 583 |
| Average total loans | $520,927,000 | 832 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 5,271 |
| Cost of funding earning assets | 1.0058% | 5,660 |
| Net interest margin | 3.8353% | 3,798 |
| Noninterest income to average assets | 1.0183% | 1,447 |
| Noninterest expense to average assets | 2.7517% | 4,777 |
| Loan and lease loss provision to assets | 0.1814% | 5,408 |
| Net operating income to assets | 1.1118% | 1,668 |
| Return on assets (ROA) | 1.1229% | 1,712 |
| Pretax return on assets | 1.5694% | 1,207 |
| Return on Equity (ROE) | 7.7475% | 2,800 |
| Retained earnings to average equity (ytd only) | 2.7074% | 3,963 |
| Net charge-offs to loans | 0.2361% | 4,869 |
| Credit loss provision to net charge-offs | 120.5502% | 3,493 |
| Earnings coverage of net charge-offs (x) | 11.5332% | 1,598 |
| Efficiency ratio | 60.3006% | 6,001 |
| Assets per employee ($millions) | 3.4422% | 5,082 |
| Cash dividends to net income (ytd only)* | 65.0548% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 3,545 |
| Loan loss allowance to noncurrent loans | 324.2203% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 5,495 |
| Noncurrent loans to loans | 0.4957% | 6,049 |
| Net loans and leases to total assets | 61.8826% | 4,313 |
| Net loans and leases to deposits | 79.4681% | 3,259 |
| Net loans and leases to core deposits | 94.7063% | 2,172 |
| Total domestic deposits to total assets | 77.8711% | 6,344 |
| Equity capital to assets | 14.2870% | 956 |
| Core capital (leverage) ratio | 11.6529% | 1,755 |
| Tier 1 risk-based capital ratio | 16.7866% | 2,433 |
| Total risk-based capital ratio | 17.8752% | 2,458 |
| Memoranda: | ||
| Average total assets | $821,379,000 | 822 |
| Average earning assets | $742,906,800 | 825 |
| Average equity | $119,044,800 | 569 |
| Average total loans | $523,527,800 | 859 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8752% | 5,380 |
| Cost of funding earning assets | 1.0088% | 5,902 |
| Net interest margin | 3.8664% | 3,673 |
| Noninterest income to average assets | 0.9540% | 1,606 |
| Noninterest expense to average assets | 2.6781% | 4,970 |
| Loan and lease loss provision to assets | 0.1637% | 5,400 |
| Net operating income to assets | 1.1584% | 1,711 |
| Return on assets (ROA) | 1.1633% | 1,793 |
| Pretax return on assets | 1.6129% | 1,317 |
| Return on Equity (ROE) | 7.9974% | 2,900 |
| Retained earnings to average equity (ytd only) | 2.9577% | 4,365 |
| Net charge-offs to loans | 0.1602% | 5,036 |
| Credit loss provision to net charge-offs | 159.7774% | 2,372 |
| Earnings coverage of net charge-offs (x) | 17.2718% | 1,338 |
| Efficiency ratio | 59.1745% | 6,086 |
| Assets per employee ($millions) | 3.4032% | 5,200 |
| Cash dividends to net income (ytd only)* | 63.0164% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 3,399 |
| Loan loss allowance to noncurrent loans | 218.4655% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 5,173 |
| Noncurrent loans to loans | 0.7471% | 5,711 |
| Net loans and leases to total assets | 62.5112% | 4,426 |
| Net loans and leases to deposits | 81.1414% | 3,240 |
| Net loans and leases to core deposits | 96.6728% | 2,184 |
| Total domestic deposits to total assets | 77.0398% | 6,469 |
| Equity capital to assets | 14.7735% | 947 |
| Core capital (leverage) ratio | 11.6777% | 1,830 |
| Tier 1 risk-based capital ratio | 16.7227% | 2,450 |
| Total risk-based capital ratio | 17.8109% | 2,487 |
| Memoranda: | ||
| Average total assets | $818,468,250 | 828 |
| Average earning assets | $739,610,500 | 829 |
| Average equity | $119,052,500 | 563 |
| Average total loans | $523,430,750 | 860 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8963% | 5,406 |
| Cost of funding earning assets | 0.9998% | 6,143 |
| Net interest margin | 3.8966% | 3,463 |
| Noninterest income to average assets | 0.9031% | 1,679 |
| Noninterest expense to average assets | 2.6786% | 4,997 |
| Loan and lease loss provision to assets | 0.1396% | 5,501 |
| Net operating income to assets | 1.1526% | 1,692 |
| Return on assets (ROA) | 1.1482% | 1,765 |
| Pretax return on assets | 1.5985% | 1,309 |
| Return on Equity (ROE) | 7.9354% | 2,907 |
| Retained earnings to average equity (ytd only) | 3.2815% | 4,012 |
| Net charge-offs to loans | 0.2296% | 4,221 |
| Credit loss provision to net charge-offs | 94.8419% | 4,267 |
| Earnings coverage of net charge-offs (x) | 11.8519% | 1,721 |
| Efficiency ratio | 59.5172% | 6,139 |
| Assets per employee ($millions) | 3.4379% | 5,080 |
| Cash dividends to net income (ytd only)* | 58.6479% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 3,635 |
| Loan loss allowance to noncurrent loans | 202.7162% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 5,266 |
| Noncurrent loans to loans | 0.7683% | 5,735 |
| Net loans and leases to total assets | 61.8002% | 4,722 |
| Net loans and leases to deposits | 80.4703% | 3,521 |
| Net loans and leases to core deposits | 93.1993% | 2,821 |
| Total domestic deposits to total assets | 76.7988% | 6,548 |
| Equity capital to assets | 14.3872% | 1,042 |
| Core capital (leverage) ratio | 11.8268% | 1,740 |
| Tier 1 risk-based capital ratio | 16.5810% | 2,443 |
| Total risk-based capital ratio | 17.6684% | 2,451 |
| Memoranda: | ||
| Average total assets | $816,763,670 | 836 |
| Average earning assets | $737,779,330 | 835 |
| Average equity | $118,179,330 | 561 |
| Average total loans | $523,450,000 | 869 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9592% | 5,197 |
| Cost of funding earning assets | 1.0082% | 6,338 |
| Net interest margin | 3.9510% | 3,096 |
| Noninterest income to average assets | 0.9585% | 1,422 |
| Noninterest expense to average assets | 2.6714% | 5,055 |
| Loan and lease loss provision to assets | 0.1409% | 5,140 |
| Net operating income to assets | 1.2174% | 1,491 |
| Return on assets (ROA) | 1.2072% | 1,596 |
| Pretax return on assets | 1.6966% | 1,066 |
| Return on Equity (ROE) | 8.3188% | 2,731 |
| Retained earnings to average equity (ytd only) | 4.0606% | 3,720 |
| Net charge-offs to loans | 0.2588% | 3,382 |
| Credit loss provision to net charge-offs | 84.0708% | 3,786 |
| Earnings coverage of net charge-offs (x) | 11.0501% | 1,684 |
| Efficiency ratio | 58.0328% | 6,484 |
| Assets per employee ($millions) | 3.4468% | 5,160 |
| Cash dividends to net income (ytd only)* | 51.1876% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 3,588 |
| Loan loss allowance to noncurrent loans | 236.0885% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8952% | 5,373 |
| Noncurrent loans to loans | 0.6639% | 5,998 |
| Net loans and leases to total assets | 62.8974% | 4,563 |
| Net loans and leases to deposits | 82.3483% | 3,226 |
| Net loans and leases to core deposits | 92.9095% | 2,989 |
| Total domestic deposits to total assets | 76.3797% | 6,688 |
| Equity capital to assets | 14.5674% | 982 |
| Core capital (leverage) ratio | 11.8366% | 1,728 |
| Tier 1 risk-based capital ratio | 16.5415% | 2,432 |
| Total risk-based capital ratio | 17.6279% | 2,448 |
| Memoranda: | ||
| Average total assets | $809,160,000 | 857 |
| Average earning assets | $730,038,000 | 859 |
| Average equity | $117,420,500 | 570 |
| Average total loans | $524,027,500 | 893 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2102% | 5,606 |
| Cost of funding earning assets | 1.3244% | 6,220 |
| Net interest margin | 3.8858% | 3,323 |
| Noninterest income to average assets | 0.8588% | 2,146 |
| Noninterest expense to average assets | 2.8416% | 4,781 |
| Loan and lease loss provision to assets | 0.2054% | 5,702 |
| Net operating income to assets | 0.9513% | 2,002 |
| Return on assets (ROA) | 0.9516% | 2,054 |
| Pretax return on assets | 1.3203% | 1,638 |
| Return on Equity (ROE) | 6.9123% | 2,821 |
| Retained earnings to average equity (ytd only) | 5.4311% | 1,608 |
| Net charge-offs to loans | 0.2369% | 5,145 |
| Credit loss provision to net charge-offs | 125.9091% | 4,147 |
| Earnings coverage of net charge-offs (x) | 9.3500% | 1,813 |
| Efficiency ratio | 64.0045% | 5,777 |
| Assets per employee ($millions) | 3.3963% | 5,268 |
| Cash dividends to net income (ytd only)* | 21.4286% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 3,533 |
| Loan loss allowance to noncurrent loans | 224.2175% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 5,368 |
| Noncurrent loans to loans | 0.6865% | 5,865 |
| Net loans and leases to total assets | 64.6165% | 4,465 |
| Net loans and leases to deposits | 85.1552% | 3,056 |
| Net loans and leases to core deposits | 107.1312% | 3,200 |
| Total domestic deposits to total assets | 75.8808% | 6,700 |
| Equity capital to assets | 14.4553% | 1,036 |
| Core capital (leverage) ratio | 11.6149% | 1,858 |
| Tier 1 risk-based capital ratio | 15.9080% | 2,563 |
| Total risk-based capital ratio | 17.0003% | 2,557 |
| Memoranda: | ||
| Average total assets | $809,162,600 | 846 |
| Average earning assets | $730,505,000 | 852 |
| Average equity | $111,395,200 | 590 |
| Average total loans | $557,123,600 | 859 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2533% | 5,664 |
| Cost of funding earning assets | 1.3987% | 6,240 |
| Net interest margin | 3.8546% | 3,409 |
| Noninterest income to average assets | 0.8335% | 2,271 |
| Noninterest expense to average assets | 2.8906% | 4,496 |
| Loan and lease loss provision to assets | 0.2198% | 5,220 |
| Net operating income to assets | 0.8748% | 2,522 |
| Return on assets (ROA) | 0.8751% | 2,595 |
| Pretax return on assets | 1.2052% | 2,250 |
| Return on Equity (ROE) | 6.4367% | 3,326 |
| Retained earnings to average equity (ytd only) | 4.4374% | 2,794 |
| Net charge-offs to loans | 0.2124% | 4,706 |
| Credit loss provision to net charge-offs | 148.5523% | 3,248 |
| Earnings coverage of net charge-offs (x) | 9.6303% | 2,082 |
| Efficiency ratio | 65.9057% | 5,383 |
| Assets per employee ($millions) | 3.2911% | 5,424 |
| Cash dividends to net income (ytd only)* | 31.0618% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 3,319 |
| Loan loss allowance to noncurrent loans | 265.9369% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9466% | 5,172 |
| Noncurrent loans to loans | 0.5720% | 6,174 |
| Net loans and leases to total assets | 66.0530% | 4,422 |
| Net loans and leases to deposits | 88.1060% | 2,936 |
| Net loans and leases to core deposits | 111.1735% | 3,106 |
| Total domestic deposits to total assets | 74.9699% | 6,775 |
| Equity capital to assets | 14.0565% | 1,290 |
| Core capital (leverage) ratio | 11.3615% | 2,147 |
| Tier 1 risk-based capital ratio | 15.2604% | 2,925 |
| Total risk-based capital ratio | 16.3548% | 2,934 |
| Memoranda: | ||
| Average total assets | $809,370,500 | 855 |
| Average earning assets | $731,048,250 | 863 |
| Average equity | $110,032,250 | 604 |
| Average total loans | $563,784,250 | 864 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2832% | 5,735 |
| Cost of funding earning assets | 1.4997% | 6,139 |
| Net interest margin | 3.7835% | 3,621 |
| Noninterest income to average assets | 0.7310% | 2,810 |
| Noninterest expense to average assets | 2.9720% | 4,199 |
| Loan and lease loss provision to assets | 0.2081% | 4,964 |
| Net operating income to assets | 0.7204% | 3,165 |
| Return on assets (ROA) | 0.7206% | 3,274 |
| Pretax return on assets | 0.9739% | 3,101 |
| Return on Equity (ROE) | 5.3615% | 3,930 |
| Retained earnings to average equity (ytd only) | 2.3277% | 4,041 |
| Net charge-offs to loans | 0.2565% | 3,911 |
| Credit loss provision to net charge-offs | 115.0273% | 4,027 |
| Earnings coverage of net charge-offs (x) | 6.5328% | 2,598 |
| Efficiency ratio | 70.4248% | 4,696 |
| Assets per employee ($millions) | 3.1793% | 5,630 |
| Cash dividends to net income (ytd only)* | 56.5844% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 3,732 |
| Loan loss allowance to noncurrent loans | 289.0346% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.8360% | 5,321 |
| Noncurrent loans to loans | 0.4837% | 6,317 |
| Net loans and leases to total assets | 69.0140% | 3,942 |
| Net loans and leases to deposits | 89.1693% | 2,959 |
| Net loans and leases to core deposits | 115.0934% | 2,800 |
| Total domestic deposits to total assets | 77.3966% | 6,228 |
| Equity capital to assets | 13.5701% | 1,472 |
| Core capital (leverage) ratio | 11.0125% | 2,389 |
| Tier 1 risk-based capital ratio | 14.5538% | 3,219 |
| Total risk-based capital ratio | 15.6492% | 3,242 |
| Memoranda: | ||
| Average total assets | $809,292,330 | 870 |
| Average earning assets | $732,134,000 | 876 |
| Average equity | $108,775,670 | 617 |
| Average total loans | $570,703,000 | 875 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2770% | 5,997 |
| Cost of funding earning assets | 1.6263% | 5,920 |
| Net interest margin | 3.6507% | 4,095 |
| Noninterest income to average assets | 0.3577% | 5,584 |
| Noninterest expense to average assets | 2.8688% | 4,263 |
| Loan and lease loss provision to assets | 0.1731% | 4,733 |
| Net operating income to assets | 0.4868% | 4,483 |
| Return on assets (ROA) | 0.4868% | 4,673 |
| Pretax return on assets | 0.6184% | 4,699 |
| Return on Equity (ROE) | 3.6392% | 5,112 |
| Retained earnings to average equity (ytd only) | -2.4631% | 6,188 |
| Net charge-offs to loans | 0.2362% | 3,226 |
| Credit loss provision to net charge-offs | 103.5503% | 3,635 |
| Earnings coverage of net charge-offs (x) | 4.7337% | 2,825 |
| Efficiency ratio | 77.1050% | 3,316 |
| Assets per employee ($millions) | 3.2121% | 5,564 |
| Cash dividends to net income (ytd only)* | 167.6829% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 3,673 |
| Loan loss allowance to noncurrent loans | 277.7738% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7440% | 5,297 |
| Noncurrent loans to loans | 0.4934% | 6,194 |
| Net loans and leases to total assets | 68.0511% | 4,128 |
| Net loans and leases to deposits | 89.5774% | 2,996 |
| Net loans and leases to core deposits | 117.3603% | 2,653 |
| Total domestic deposits to total assets | 75.9690% | 6,519 |
| Equity capital to assets | 13.0310% | 1,726 |
| Core capital (leverage) ratio | 10.8836% | 2,595 |
| Tier 1 risk-based capital ratio | 13.9405% | 3,626 |
| Total risk-based capital ratio | 15.0385% | 3,624 |
| Memoranda: | ||
| Average total assets | $808,574,500 | 872 |
| Average earning assets | $731,475,500 | 873 |
| Average equity | $108,155,000 | 617 |
| Average total loans | $572,329,500 | 869 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0418% | 5,344 |
| Cost of funding earning assets | 2.0518% | 6,231 |
| Net interest margin | 3.9901% | 3,162 |
| Noninterest income to average assets | 1.0555% | 1,408 |
| Noninterest expense to average assets | 2.7717% | 4,943 |
| Loan and lease loss provision to assets | 0.2059% | 4,832 |
| Net operating income to assets | 1.1891% | 1,805 |
| Return on assets (ROA) | 1.1484% | 1,876 |
| Pretax return on assets | 1.6192% | 1,333 |
| Return on Equity (ROE) | 8.0700% | 3,043 |
| Retained earnings to average equity (ytd only) | -2.6471% | 6,029 |
| Net charge-offs to loans | 0.2103% | 4,105 |
| Credit loss provision to net charge-offs | 136.0202% | 3,919 |
| Earnings coverage of net charge-offs (x) | 12.4349% | 2,244 |
| Efficiency ratio | 58.5259% | 6,600 |
| Assets per employee ($millions) | 3.0559% | 5,918 |
| Cash dividends to net income (ytd only)* | 132.8021% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 3,387 |
| Loan loss allowance to noncurrent loans | 275.0088% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9076% | 4,575 |
| Noncurrent loans to loans | 0.4966% | 5,859 |
| Net loans and leases to total assets | 71.6673% | 3,660 |
| Net loans and leases to deposits | 93.7852% | 2,804 |
| Net loans and leases to core deposits | 117.1200% | 2,992 |
| Total domestic deposits to total assets | 76.4164% | 6,140 |
| Equity capital to assets | 13.7386% | 1,525 |
| Core capital (leverage) ratio | 11.2279% | 2,410 |
| Tier 1 risk-based capital ratio | 14.3203% | 3,382 |
| Total risk-based capital ratio | 15.4206% | 3,388 |
| Memoranda: | ||
| Average total assets | $786,804,200 | 860 |
| Average earning assets | $709,585,000 | 861 |
| Average equity | $111,970,600 | 599 |
| Average total loans | $566,375,600 | 841 |