Home > Banterra Bank > Performance and Condition Ratios
Banterra Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 2,496 |
| Cost of funding earning assets | 2.2268% | 613 |
| Net interest margin | 2.5615% | 4,016 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.1871% | 3,164 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.4534% | 3,763 |
| Return on assets (ROA) | 0.4511% | 3,768 |
| Pretax return on assets | 0.4684% | 3,867 |
| Return on Equity (ROE) | 7.5900% | 3,132 |
| Retained earnings to average equity (ytd only) | 0.9509% | 3,848 |
| Net charge-offs to loans | 0.1678% | 627 |
| Credit loss provision to net charge-offs | 158.5605% | 1,421 |
| Earnings coverage of net charge-offs (x) | 5.1636% | 2,542 |
| Efficiency ratio | 76.8365% | 1,180 |
| Assets per employee ($millions) | 6.8773% | 2,150 |
| Cash dividends to net income (ytd only)* | 87.4756% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 3,650 |
| Loan loss allowance to noncurrent loans | 227.9797% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 1,756 |
| Noncurrent loans to loans | 0.4035% | 1,777 |
| Net loans and leases to total assets | 73.6800% | 1,401 |
| Net loans and leases to deposits | 83.5591% | 1,816 |
| Net loans and leases to core deposits | 103.3187% | 1,254 |
| Total domestic deposits to total assets | 88.1800% | 1,291 |
| Equity capital to assets | 6.1369% | 4,208 |
| Core capital (leverage) ratio | 9.3146% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6659% | 2,667 |
| Memoranda: | ||
| Average total assets | $2,952,472,600 | 399 |
| Average earning assets | $2,786,138,400 | 384 |
| Average equity | $175,414,200 | 603 |
| Average total loans | $2,185,472,200 | 379 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 2,528 |
| Cost of funding earning assets | 2.0852% | 614 |
| Net interest margin | 2.5879% | 4,048 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.2503% | 2,945 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.4275% | 3,911 |
| Return on assets (ROA) | 0.4235% | 3,915 |
| Pretax return on assets | 0.4284% | 4,020 |
| Return on Equity (ROE) | 7.1900% | 3,381 |
| Retained earnings to average equity (ytd only) | 1.4550% | 3,855 |
| Net charge-offs to loans | 0.1756% | 495 |
| Credit loss provision to net charge-offs | 151.8987% | 1,316 |
| Earnings coverage of net charge-offs (x) | 4.6480% | 2,384 |
| Efficiency ratio | 78.3656% | 985 |
| Assets per employee ($millions) | 6.9062% | 2,031 |
| Cash dividends to net income (ytd only)* | 79.7672% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 3,676 |
| Loan loss allowance to noncurrent loans | 267.1073% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 1,998 |
| Noncurrent loans to loans | 0.3435% | 2,000 |
| Net loans and leases to total assets | 73.5200% | 1,403 |
| Net loans and leases to deposits | 82.7346% | 1,850 |
| Net loans and leases to core deposits | 100.5951% | 1,287 |
| Total domestic deposits to total assets | 88.8600% | 1,300 |
| Equity capital to assets | 5.4596% | 4,150 |
| Core capital (leverage) ratio | 9.4854% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8899% | 2,642 |
| Memoranda: | ||
| Average total assets | $2,920,335,750 | 405 |
| Average earning assets | $2,755,542,750 | 391 |
| Average equity | $171,998,250 | 606 |
| Average total loans | $2,159,040,750 | 380 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 2,569 |
| Cost of funding earning assets | 1.9034% | 601 |
| Net interest margin | 2.6291% | 4,071 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.2543% | 2,940 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.4990% | 3,811 |
| Return on assets (ROA) | 0.4944% | 3,828 |
| Pretax return on assets | 0.5189% | 3,931 |
| Return on Equity (ROE) | 8.1900% | 3,190 |
| Retained earnings to average equity (ytd only) | 1.0939% | 3,895 |
| Net charge-offs to loans | 0.0662% | 893 |
| Credit loss provision to net charge-offs | 213.7199% | 1,021 |
| Earnings coverage of net charge-offs (x) | 13.1061% | 1,912 |
| Efficiency ratio | 77.3977% | 1,053 |
| Assets per employee ($millions) | 6.8565% | 2,037 |
| Cash dividends to net income (ytd only)* | 86.6406% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 3,789 |
| Loan loss allowance to noncurrent loans | 238.4030% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 1,795 |
| Noncurrent loans to loans | 0.3768% | 1,793 |
| Net loans and leases to total assets | 74.0100% | 1,293 |
| Net loans and leases to deposits | 84.3905% | 1,632 |
| Net loans and leases to core deposits | 100.9288% | 1,186 |
| Total domestic deposits to total assets | 87.7000% | 1,707 |
| Equity capital to assets | 6.0361% | 4,139 |
| Core capital (leverage) ratio | 9.6720% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9548% | 2,638 |
| Memoranda: | ||
| Average total assets | $2,894,677,000 | 396 |
| Average earning assets | $2,731,391,000 | 385 |
| Average equity | $174,783,667 | 592 |
| Average total loans | $2,137,383,333 | 371 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 2,597 |
| Cost of funding earning assets | 1.6716% | 613 |
| Net interest margin | 2.7129% | 4,057 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.4195% | 2,470 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.4245% | 4,049 |
| Return on assets (ROA) | 0.4171% | 4,005 |
| Pretax return on assets | 0.4193% | 4,105 |
| Return on Equity (ROE) | 6.9100% | 3,537 |
| Retained earnings to average equity (ytd only) | -4.6274% | 4,316 |
| Net charge-offs to loans | 0.0717% | 716 |
| Credit loss provision to net charge-offs | 184.1270% | 863 |
| Earnings coverage of net charge-offs (x) | 10.4074% | 1,662 |
| Efficiency ratio | 81.0581% | 760 |
| Assets per employee ($millions) | 6.8347% | 2,083 |
| Cash dividends to net income (ytd only)* | 167.0007% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 3,851 |
| Loan loss allowance to noncurrent loans | 298.6656% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 2,011 |
| Noncurrent loans to loans | 0.3014% | 2,069 |
| Net loans and leases to total assets | 73.1300% | 1,306 |
| Net loans and leases to deposits | 81.9385% | 1,656 |
| Net loans and leases to core deposits | 96.9621% | 1,231 |
| Total domestic deposits to total assets | 89.2500% | 1,442 |
| Equity capital to assets | 6.0874% | 4,172 |
| Core capital (leverage) ratio | 9.8780% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0323% | 2,724 |
| Memoranda: | ||
| Average total assets | $2,871,291,000 | 412 |
| Average earning assets | $2,707,529,500 | 396 |
| Average equity | $173,401,000 | 607 |
| Average total loans | $2,107,738,000 | 386 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 1,887 |
| Cost of funding earning assets | 0.6065% | 880 |
| Net interest margin | 3.3338% | 2,475 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.2297% | 2,945 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 2.4450% | 155 |
| Return on assets (ROA) | 2.4432% | 150 |
| Pretax return on assets | 1.3163% | 2,029 |
| Return on Equity (ROE) | 40.9600% | 55 |
| Retained earnings to average equity (ytd only) | 36.8843% | 21 |
| Net charge-offs to loans | 0.0566% | 1,084 |
| Credit loss provision to net charge-offs | 242.6987% | 1,010 |
| Earnings coverage of net charge-offs (x) | 35.0129% | 1,584 |
| Efficiency ratio | 60.7389% | 2,952 |
| Assets per employee ($millions) | 6.8054% | 2,112 |
| Cash dividends to net income (ytd only)* | 9.9464% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,241 |
| Loan loss allowance to noncurrent loans | 214.9606% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 1,464 |
| Noncurrent loans to loans | 0.4760% | 1,511 |
| Net loans and leases to total assets | 72.2700% | 1,387 |
| Net loans and leases to deposits | 81.8980% | 1,623 |
| Net loans and leases to core deposits | 93.8507% | 1,303 |
| Total domestic deposits to total assets | 88.2400% | 1,998 |
| Equity capital to assets | 5.9900% | 4,091 |
| Core capital (leverage) ratio | 10.0871% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3015% | 2,647 |
| Memoranda: | ||
| Average total assets | $2,674,812,600 | 427 |
| Average earning assets | $2,540,080,000 | 411 |
| Average equity | $159,552,800 | 651 |
| Average total loans | $1,911,667,800 | 394 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 1,802 |
| Cost of funding earning assets | 0.4019% | 1,277 |
| Net interest margin | 3.3831% | 2,029 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.3174% | 2,583 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2950% | 1,367 |
| Return on assets (ROA) | 1.2904% | 1,354 |
| Pretax return on assets | 1.2949% | 2,063 |
| Return on Equity (ROE) | 21.6600% | 311 |
| Retained earnings to average equity (ytd only) | 16.1322% | 267 |
| Net charge-offs to loans | 0.0568% | 915 |
| Credit loss provision to net charge-offs | 260.8532% | 881 |
| Earnings coverage of net charge-offs (x) | 34.8005% | 1,446 |
| Efficiency ratio | 61.8441% | 2,847 |
| Assets per employee ($millions) | 6.4465% | 2,365 |
| Cash dividends to net income (ytd only)* | 25.5132% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,288 |
| Loan loss allowance to noncurrent loans | 222.1764% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 1,534 |
| Noncurrent loans to loans | 0.4695% | 1,627 |
| Net loans and leases to total assets | 73.0200% | 1,181 |
| Net loans and leases to deposits | 79.4944% | 1,606 |
| Net loans and leases to core deposits | 90.8743% | 1,243 |
| Total domestic deposits to total assets | 91.8600% | 923 |
| Equity capital to assets | 3.6861% | 4,517 |
| Core capital (leverage) ratio | 8.0934% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6128% | 3,089 |
| Memoranda: | ||
| Average total assets | $2,632,347,500 | 436 |
| Average earning assets | $2,506,142,250 | 417 |
| Average equity | $156,842,250 | 664 |
| Average total loans | $1,870,327,500 | 395 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6405% | 1,719 |
| Cost of funding earning assets | 0.2438% | 2,345 |
| Net interest margin | 3.3967% | 1,617 |
| Noninterest income to average assets | 0.5211% | 2,080 |
| Noninterest expense to average assets | 2.2708% | 2,631 |
| Loan and lease loss provision to assets | 0.1064% | 937 |
| Net operating income to assets | 1.3850% | 942 |
| Return on assets (ROA) | 1.3808% | 931 |
| Pretax return on assets | 1.3702% | 1,517 |
| Return on Equity (ROE) | 20.4490% | 280 |
| Retained earnings to average equity (ytd only) | 13.0465% | 462 |
| Net charge-offs to loans | 0.0614% | 786 |
| Credit loss provision to net charge-offs | 247.1429% | 875 |
| Earnings coverage of net charge-offs (x) | 34.3875% | 1,338 |
| Efficiency ratio | 60.1123% | 3,281 |
| Assets per employee ($millions) | 6.3291% | 2,459 |
| Cash dividends to net income (ytd only)* | 36.1996% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,257 |
| Loan loss allowance to noncurrent loans | 236.1514% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3354% | 1,656 |
| Noncurrent loans to loans | 0.4554% | 1,753 |
| Net loans and leases to total assets | 71.2101% | 1,184 |
| Net loans and leases to deposits | 78.4027% | 1,509 |
| Net loans and leases to core deposits | 85.4307% | 1,378 |
| Total domestic deposits to total assets | 90.8261% | 1,323 |
| Equity capital to assets | 4.6024% | 4,547 |
| Core capital (leverage) ratio | 8.1370% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7001% | 3,048 |
| Memoranda: | ||
| Average total assets | $2,600,835,667 | 438 |
| Average earning assets | $2,473,559,000 | 425 |
| Average equity | $175,617,667 | 600 |
| Average total loans | $1,823,041,333 | 394 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5353% | 1,684 |
| Cost of funding earning assets | 0.1874% | 2,980 |
| Net interest margin | 3.3479% | 1,447 |
| Noninterest income to average assets | 0.5383% | 1,954 |
| Noninterest expense to average assets | 2.3050% | 2,483 |
| Loan and lease loss provision to assets | 0.1078% | 781 |
| Net operating income to assets | 1.2626% | 1,084 |
| Return on assets (ROA) | 1.2565% | 1,088 |
| Pretax return on assets | 1.2957% | 1,520 |
| Return on Equity (ROE) | 15.9880% | 534 |
| Retained earnings to average equity (ytd only) | 10.0592% | 1,003 |
| Net charge-offs to loans | 0.0164% | 1,209 |
| Credit loss provision to net charge-offs | 950.6849% | 348 |
| Earnings coverage of net charge-offs (x) | 124.3288% | 603 |
| Efficiency ratio | 61.6282% | 3,312 |
| Assets per employee ($millions) | 6.1513% | 2,662 |
| Cash dividends to net income (ytd only)* | 37.0828% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 3,106 |
| Loan loss allowance to noncurrent loans | 288.0544% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 2,001 |
| Noncurrent loans to loans | 0.3989% | 2,065 |
| Net loans and leases to total assets | 67.8470% | 1,229 |
| Net loans and leases to deposits | 74.0669% | 1,606 |
| Net loans and leases to core deposits | 79.9425% | 1,486 |
| Total domestic deposits to total assets | 91.6023% | 750 |
| Equity capital to assets | 6.6473% | 4,364 |
| Core capital (leverage) ratio | 8.1830% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1458% | 3,036 |
| Memoranda: | ||
| Average total assets | $2,575,313,500 | 445 |
| Average earning assets | $2,443,357,000 | 433 |
| Average equity | $202,401,500 | 541 |
| Average total loans | $1,780,093,000 | 400 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6803% | 2,176 |
| Cost of funding earning assets | 0.2092% | 3,376 |
| Net interest margin | 3.4711% | 1,827 |
| Noninterest income to average assets | 0.6063% | 2,127 |
| Noninterest expense to average assets | 2.1542% | 3,221 |
| Loan and lease loss provision to assets | 0.0981% | 1,265 |
| Net operating income to assets | 1.6007% | 804 |
| Return on assets (ROA) | 1.6043% | 828 |
| Pretax return on assets | 1.6578% | 1,252 |
| Return on Equity (ROE) | 17.2785% | 548 |
| Retained earnings to average equity (ytd only) | 7.2146% | 1,838 |
| Net charge-offs to loans | 0.0865% | 943 |
| Credit loss provision to net charge-offs | 158.3110% | 1,459 |
| Earnings coverage of net charge-offs (x) | 28.2782% | 1,657 |
| Efficiency ratio | 54.6018% | 3,860 |
| Assets per employee ($millions) | 6.2005% | 2,572 |
| Cash dividends to net income (ytd only)* | 58.2449% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,352 |
| Loan loss allowance to noncurrent loans | 406.3299% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 2,484 |
| Noncurrent loans to loans | 0.2708% | 2,631 |
| Net loans and leases to total assets | 68.8421% | 1,169 |
| Net loans and leases to deposits | 76.8279% | 1,504 |
| Net loans and leases to core deposits | 85.2108% | 1,248 |
| Total domestic deposits to total assets | 89.6055% | 1,169 |
| Equity capital to assets | 9.0733% | 3,543 |
| Core capital (leverage) ratio | 8.2984% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0778% | 3,038 |
| Memoranda: | ||
| Average total assets | $2,407,893,200 | 449 |
| Average earning assets | $2,289,265,800 | 439 |
| Average equity | $223,573,000 | 491 |
| Average total loans | $1,725,006,600 | 405 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7046% | 2,266 |
| Cost of funding earning assets | 0.2180% | 3,440 |
| Net interest margin | 3.4866% | 1,906 |
| Noninterest income to average assets | 0.6154% | 2,148 |
| Noninterest expense to average assets | 2.1514% | 3,217 |
| Loan and lease loss provision to assets | 0.1716% | 633 |
| Net operating income to assets | 1.5517% | 1,143 |
| Return on assets (ROA) | 1.5569% | 1,177 |
| Pretax return on assets | 1.6104% | 1,664 |
| Return on Equity (ROE) | 16.6643% | 821 |
| Retained earnings to average equity (ytd only) | 7.9203% | 2,079 |
| Net charge-offs to loans | 0.0951% | 764 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 25.8900% | 1,605 |
| Efficiency ratio | 54.1824% | 3,784 |
| Assets per employee ($millions) | 5.9581% | 2,733 |
| Cash dividends to net income (ytd only)* | 52.4716% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 3,030 |
| Loan loss allowance to noncurrent loans | 428.5359% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 2,650 |
| Noncurrent loans to loans | 0.2780% | 2,803 |
| Net loans and leases to total assets | 70.3249% | 1,052 |
| Net loans and leases to deposits | 78.7492% | 1,409 |
| Net loans and leases to core deposits | 87.2858% | 1,199 |
| Total domestic deposits to total assets | 89.3024% | 1,120 |
| Equity capital to assets | 9.3731% | 3,490 |
| Core capital (leverage) ratio | 8.3532% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3610% | 3,053 |
| Memoranda: | ||
| Average total assets | $2,366,561,500 | 461 |
| Average earning assets | $2,248,455,500 | 449 |
| Average equity | $221,097,500 | 500 |
| Average total loans | $1,708,467,000 | 412 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6602% | 2,440 |
| Cost of funding earning assets | 0.2296% | 3,468 |
| Net interest margin | 3.4306% | 2,060 |
| Noninterest income to average assets | 0.6212% | 2,125 |
| Noninterest expense to average assets | 2.0934% | 3,410 |
| Loan and lease loss provision to assets | 0.2012% | 553 |
| Net operating income to assets | 1.5723% | 1,112 |
| Return on assets (ROA) | 1.5820% | 1,145 |
| Pretax return on assets | 1.5927% | 1,748 |
| Return on Equity (ROE) | 16.9523% | 788 |
| Retained earnings to average equity (ytd only) | 3.6897% | 3,620 |
| Net charge-offs to loans | 0.1257% | 622 |
| Credit loss provision to net charge-offs | 220.6929% | 1,012 |
| Earnings coverage of net charge-offs (x) | 19.5702% | 1,540 |
| Efficiency ratio | 53.3879% | 3,879 |
| Assets per employee ($millions) | 5.8054% | 2,804 |
| Cash dividends to net income (ytd only)* | 78.2346% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 3,109 |
| Loan loss allowance to noncurrent loans | 365.5285% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 2,591 |
| Noncurrent loans to loans | 0.3191% | 2,774 |
| Net loans and leases to total assets | 71.2942% | 1,044 |
| Net loans and leases to deposits | 81.3165% | 1,295 |
| Net loans and leases to core deposits | 85.9448% | 1,417 |
| Total domestic deposits to total assets | 87.6750% | 1,999 |
| Equity capital to assets | 9.2490% | 3,561 |
| Core capital (leverage) ratio | 8.1336% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2740% | 3,061 |
| Memoranda: | ||
| Average total assets | $2,343,124,667 | 461 |
| Average earning assets | $2,223,952,333 | 451 |
| Average equity | $218,660,000 | 496 |
| Average total loans | $1,699,825,000 | 418 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6723% | 2,430 |
| Cost of funding earning assets | 0.2500% | 3,476 |
| Net interest margin | 3.4223% | 2,050 |
| Noninterest income to average assets | 0.6322% | 2,086 |
| Noninterest expense to average assets | 2.0354% | 3,605 |
| Loan and lease loss provision to assets | 0.2201% | 529 |
| Net operating income to assets | 1.6012% | 1,125 |
| Return on assets (ROA) | 1.6205% | 1,139 |
| Pretax return on assets | 1.6340% | 1,637 |
| Return on Equity (ROE) | 17.2859% | 805 |
| Retained earnings to average equity (ytd only) | 6.2453% | 2,815 |
| Net charge-offs to loans | 0.0714% | 842 |
| Credit loss provision to net charge-offs | 423.9203% | 634 |
| Earnings coverage of net charge-offs (x) | 35.3322% | 1,025 |
| Efficiency ratio | 51.9836% | 3,994 |
| Assets per employee ($millions) | 5.7703% | 2,822 |
| Cash dividends to net income (ytd only)* | 63.8706% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 3,110 |
| Loan loss allowance to noncurrent loans | 218.3622% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 2,146 |
| Noncurrent loans to loans | 0.5344% | 2,250 |
| Net loans and leases to total assets | 71.6230% | 1,078 |
| Net loans and leases to deposits | 80.2383% | 1,498 |
| Net loans and leases to core deposits | 85.1640% | 1,579 |
| Total domestic deposits to total assets | 89.2629% | 1,192 |
| Equity capital to assets | 9.1817% | 3,508 |
| Core capital (leverage) ratio | 8.3814% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5490% | 3,002 |
| Memoranda: | ||
| Average total assets | $2,318,764,500 | 457 |
| Average earning assets | $2,193,704,500 | 447 |
| Average equity | $217,379,000 | 493 |
| Average total loans | $1,687,051,000 | 422 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 2,778 |
| Cost of funding earning assets | 0.5124% | 2,869 |
| Net interest margin | 3.4719% | 2,556 |
| Noninterest income to average assets | 0.6171% | 2,151 |
| Noninterest expense to average assets | 2.2235% | 3,614 |
| Loan and lease loss provision to assets | 0.2603% | 1,489 |
| Net operating income to assets | 1.4054% | 1,006 |
| Return on assets (ROA) | 1.5272% | 815 |
| Pretax return on assets | 1.5361% | 1,232 |
| Return on Equity (ROE) | 16.2204% | 477 |
| Retained earnings to average equity (ytd only) | 12.7116% | 257 |
| Net charge-offs to loans | 0.0891% | 1,565 |
| Credit loss provision to net charge-offs | 391.4123% | 1,461 |
| Earnings coverage of net charge-offs (x) | 25.1661% | 1,752 |
| Efficiency ratio | 56.3949% | 3,933 |
| Assets per employee ($millions) | 5.7513% | 2,581 |
| Cash dividends to net income (ytd only)* | 21.6316% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,340 |
| Loan loss allowance to noncurrent loans | 187.9190% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 2,156 |
| Noncurrent loans to loans | 0.5980% | 2,198 |
| Net loans and leases to total assets | 72.2294% | 1,263 |
| Net loans and leases to deposits | 83.1216% | 1,532 |
| Net loans and leases to core deposits | 88.9114% | 1,617 |
| Total domestic deposits to total assets | 86.8960% | 1,987 |
| Equity capital to assets | 9.5719% | 3,541 |
| Core capital (leverage) ratio | 8.3998% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5110% | 3,024 |
| Memoranda: | ||
| Average total assets | $2,118,950,800 | 454 |
| Average earning assets | $2,001,643,200 | 445 |
| Average equity | $199,502,200 | 505 |
| Average total loans | $1,581,990,800 | 429 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 2,913 |
| Cost of funding earning assets | 0.5774% | 2,754 |
| Net interest margin | 3.4431% | 2,772 |
| Noninterest income to average assets | 0.5879% | 2,221 |
| Noninterest expense to average assets | 2.1896% | 3,703 |
| Loan and lease loss provision to assets | 0.2716% | 1,491 |
| Net operating income to assets | 1.3671% | 1,182 |
| Return on assets (ROA) | 1.4368% | 1,108 |
| Pretax return on assets | 1.4452% | 1,589 |
| Return on Equity (ROE) | 15.3306% | 641 |
| Retained earnings to average equity (ytd only) | 10.5312% | 671 |
| Net charge-offs to loans | 0.0913% | 1,394 |
| Credit loss provision to net charge-offs | 396.0637% | 1,469 |
| Earnings coverage of net charge-offs (x) | 24.0131% | 1,772 |
| Efficiency ratio | 56.3938% | 3,874 |
| Assets per employee ($millions) | 5.6863% | 2,548 |
| Cash dividends to net income (ytd only)* | 31.3059% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 3,356 |
| Loan loss allowance to noncurrent loans | 196.5934% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 2,433 |
| Noncurrent loans to loans | 0.5450% | 2,436 |
| Net loans and leases to total assets | 73.9122% | 1,379 |
| Net loans and leases to deposits | 85.2453% | 1,786 |
| Net loans and leases to core deposits | 91.9007% | 1,804 |
| Total domestic deposits to total assets | 86.7053% | 1,770 |
| Equity capital to assets | 9.3042% | 3,858 |
| Core capital (leverage) ratio | 8.1484% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2110% | 3,070 |
| Memoranda: | ||
| Average total assets | $2,074,994,500 | 454 |
| Average earning assets | $1,957,392,750 | 444 |
| Average equity | $194,464,500 | 509 |
| Average total loans | $1,558,403,750 | 426 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 3,136 |
| Cost of funding earning assets | 0.6749% | 2,531 |
| Net interest margin | 3.3930% | 3,126 |
| Noninterest income to average assets | 0.5501% | 2,351 |
| Noninterest expense to average assets | 2.2717% | 3,594 |
| Loan and lease loss provision to assets | 0.2384% | 1,765 |
| Net operating income to assets | 1.2360% | 1,529 |
| Return on assets (ROA) | 1.3429% | 1,339 |
| Pretax return on assets | 1.3501% | 1,868 |
| Return on Equity (ROE) | 14.2912% | 828 |
| Retained earnings to average equity (ytd only) | 6.9219% | 1,694 |
| Net charge-offs to loans | 0.1179% | 1,140 |
| Credit loss provision to net charge-offs | 268.6734% | 1,697 |
| Earnings coverage of net charge-offs (x) | 16.6845% | 1,850 |
| Efficiency ratio | 59.8234% | 3,431 |
| Assets per employee ($millions) | 5.3772% | 2,757 |
| Cash dividends to net income (ytd only)* | 51.5654% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,502 |
| Loan loss allowance to noncurrent loans | 171.5855% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 2,402 |
| Noncurrent loans to loans | 0.5911% | 2,387 |
| Net loans and leases to total assets | 74.4578% | 1,346 |
| Net loans and leases to deposits | 84.5988% | 1,929 |
| Net loans and leases to core deposits | 90.9058% | 1,996 |
| Total domestic deposits to total assets | 88.0128% | 1,174 |
| Equity capital to assets | 9.2883% | 3,842 |
| Core capital (leverage) ratio | 8.1769% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2210% | 3,136 |
| Memoranda: | ||
| Average total assets | $2,021,748,333 | 456 |
| Average earning assets | $1,907,963,333 | 448 |
| Average equity | $189,977,667 | 519 |
| Average total loans | $1,521,328,333 | 431 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 3,374 |
| Cost of funding earning assets | 0.8416% | 2,157 |
| Net interest margin | 3.3087% | 3,571 |
| Noninterest income to average assets | 0.5472% | 2,298 |
| Noninterest expense to average assets | 2.2612% | 3,856 |
| Loan and lease loss provision to assets | 0.1236% | 2,150 |
| Net operating income to assets | 1.2719% | 1,322 |
| Return on assets (ROA) | 1.3021% | 1,334 |
| Pretax return on assets | 1.3108% | 1,841 |
| Return on Equity (ROE) | 13.7708% | 745 |
| Retained earnings to average equity (ytd only) | 6.2469% | 1,787 |
| Net charge-offs to loans | 0.1280% | 947 |
| Credit loss provision to net charge-offs | 128.2700% | 1,678 |
| Earnings coverage of net charge-offs (x) | 14.5717% | 1,592 |
| Efficiency ratio | 60.9361% | 3,626 |
| Assets per employee ($millions) | 5.0899% | 2,549 |
| Cash dividends to net income (ytd only)* | 54.6363% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,658 |
| Loan loss allowance to noncurrent loans | 191.1651% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 2,734 |
| Noncurrent loans to loans | 0.5277% | 2,678 |
| Net loans and leases to total assets | 73.4847% | 1,697 |
| Net loans and leases to deposits | 83.1524% | 2,316 |
| Net loans and leases to core deposits | 92.7896% | 2,090 |
| Total domestic deposits to total assets | 88.3735% | 943 |
| Equity capital to assets | 9.6438% | 4,086 |
| Core capital (leverage) ratio | 8.4857% | 4,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4480% | 3,236 |
| Memoranda: | ||
| Average total assets | $1,967,941,500 | 455 |
| Average earning assets | $1,854,525,500 | 443 |
| Average equity | $186,075,500 | 529 |
| Average total loans | $1,481,132,500 | 427 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 3,376 |
| Cost of funding earning assets | 0.9131% | 2,144 |
| Net interest margin | 3.4430% | 3,614 |
| Noninterest income to average assets | 0.6689% | 1,927 |
| Noninterest expense to average assets | 2.3604% | 3,805 |
| Loan and lease loss provision to assets | 0.1268% | 1,680 |
| Net operating income to assets | 1.4109% | 1,309 |
| Return on assets (ROA) | 1.4270% | 1,316 |
| Pretax return on assets | 1.4425% | 2,005 |
| Return on Equity (ROE) | 15.5577% | 597 |
| Retained earnings to average equity (ytd only) | 5.8338% | 1,959 |
| Net charge-offs to loans | 0.0582% | 2,269 |
| Credit loss provision to net charge-offs | 288.0835% | 973 |
| Earnings coverage of net charge-offs (x) | 35.2961% | 1,421 |
| Efficiency ratio | 59.5597% | 3,761 |
| Assets per employee ($millions) | 5.0539% | 2,519 |
| Cash dividends to net income (ytd only)* | 62.5024% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 3,579 |
| Loan loss allowance to noncurrent loans | 215.0511% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 2,779 |
| Noncurrent loans to loans | 0.4601% | 2,797 |
| Net loans and leases to total assets | 75.5555% | 1,491 |
| Net loans and leases to deposits | 87.8742% | 1,866 |
| Net loans and leases to core deposits | 99.4702% | 1,607 |
| Total domestic deposits to total assets | 85.9814% | 2,076 |
| Equity capital to assets | 9.2636% | 4,520 |
| Core capital (leverage) ratio | 8.4750% | 4,855 |
| Tier 1 risk-based capital ratio | 9.4657% | 5,158 |
| Total risk-based capital ratio | 11.2155% | 5,086 |
| Memoranda: | ||
| Average total assets | $1,849,982,600 | 456 |
| Average earning assets | $1,743,339,200 | 446 |
| Average equity | $169,684,400 | 540 |
| Average total loans | $1,398,538,400 | 427 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 3,464 |
| Cost of funding earning assets | 0.9099% | 2,187 |
| Net interest margin | 3.4548% | 3,718 |
| Noninterest income to average assets | 0.6717% | 1,908 |
| Noninterest expense to average assets | 2.3502% | 3,822 |
| Loan and lease loss provision to assets | 0.1513% | 1,246 |
| Net operating income to assets | 1.4111% | 1,432 |
| Return on assets (ROA) | 1.4181% | 1,474 |
| Pretax return on assets | 1.4355% | 2,174 |
| Return on Equity (ROE) | 15.5026% | 683 |
| Retained earnings to average equity (ytd only) | 2.3235% | 4,168 |
| Net charge-offs to loans | 0.0932% | 1,543 |
| Credit loss provision to net charge-offs | 215.2807% | 1,241 |
| Earnings coverage of net charge-offs (x) | 22.4731% | 1,868 |
| Efficiency ratio | 59.0417% | 3,798 |
| Assets per employee ($millions) | 4.8708% | 2,707 |
| Cash dividends to net income (ytd only)* | 85.0121% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,497 |
| Loan loss allowance to noncurrent loans | 206.0925% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 2,798 |
| Noncurrent loans to loans | 0.4915% | 2,822 |
| Net loans and leases to total assets | 74.9559% | 1,656 |
| Net loans and leases to deposits | 88.0091% | 1,930 |
| Net loans and leases to core deposits | 98.1498% | 1,817 |
| Total domestic deposits to total assets | 85.1684% | 2,363 |
| Equity capital to assets | 9.3176% | 4,585 |
| Core capital (leverage) ratio | 8.3298% | 5,018 |
| Tier 1 risk-based capital ratio | 9.5008% | 5,234 |
| Total risk-based capital ratio | 11.3126% | 5,118 |
| Memoranda: | ||
| Average total assets | $1,824,774,500 | 463 |
| Average earning assets | $1,720,886,000 | 452 |
| Average equity | $166,926,500 | 553 |
| Average total loans | $1,376,003,250 | 435 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 3,485 |
| Cost of funding earning assets | 0.8771% | 2,262 |
| Net interest margin | 3.4746% | 3,672 |
| Noninterest income to average assets | 0.6877% | 1,767 |
| Noninterest expense to average assets | 2.4135% | 3,707 |
| Loan and lease loss provision to assets | 0.1437% | 1,291 |
| Net operating income to assets | 1.3870% | 1,467 |
| Return on assets (ROA) | 1.3907% | 1,515 |
| Pretax return on assets | 1.4111% | 2,164 |
| Return on Equity (ROE) | 15.2999% | 703 |
| Retained earnings to average equity (ytd only) | -1.1007% | 4,835 |
| Net charge-offs to loans | 0.0736% | 1,633 |
| Credit loss provision to net charge-offs | 259.1633% | 992 |
| Earnings coverage of net charge-offs (x) | 27.9801% | 1,522 |
| Efficiency ratio | 60.1175% | 3,711 |
| Assets per employee ($millions) | 4.8532% | 2,663 |
| Cash dividends to net income (ytd only)* | 107.1939% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 3,564 |
| Loan loss allowance to noncurrent loans | 279.5327% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 3,287 |
| Noncurrent loans to loans | 0.3613% | 3,238 |
| Net loans and leases to total assets | 74.6049% | 1,783 |
| Net loans and leases to deposits | 86.6923% | 2,173 |
| Net loans and leases to core deposits | 97.3527% | 1,945 |
| Total domestic deposits to total assets | 86.0572% | 2,004 |
| Equity capital to assets | 9.1310% | 4,711 |
| Core capital (leverage) ratio | 8.2215% | 5,100 |
| Tier 1 risk-based capital ratio | 9.4954% | 5,278 |
| Total risk-based capital ratio | 11.3341% | 5,154 |
| Memoranda: | ||
| Average total assets | $1,811,194,670 | 464 |
| Average earning assets | $1,708,131,330 | 450 |
| Average equity | $164,628,330 | 555 |
| Average total loans | $1,363,797,000 | 439 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 3,488 |
| Cost of funding earning assets | 0.8330% | 2,360 |
| Net interest margin | 3.4901% | 3,616 |
| Noninterest income to average assets | 0.6266% | 1,931 |
| Noninterest expense to average assets | 2.2728% | 4,094 |
| Loan and lease loss provision to assets | 0.1300% | 1,346 |
| Net operating income to assets | 1.4836% | 1,148 |
| Return on assets (ROA) | 1.4804% | 1,174 |
| Pretax return on assets | 1.5095% | 1,729 |
| Return on Equity (ROE) | 16.3249% | 553 |
| Retained earnings to average equity (ytd only) | 7.7341% | 1,759 |
| Net charge-offs to loans | 0.0544% | 1,508 |
| Credit loss provision to net charge-offs | 317.3913% | 794 |
| Earnings coverage of net charge-offs (x) | 40.1141% | 1,153 |
| Efficiency ratio | 57.2647% | 4,176 |
| Assets per employee ($millions) | 4.8074% | 2,781 |
| Cash dividends to net income (ytd only)* | 52.6237% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,701 |
| Loan loss allowance to noncurrent loans | 227.7675% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 3,092 |
| Noncurrent loans to loans | 0.4395% | 3,006 |
| Net loans and leases to total assets | 74.7973% | 1,673 |
| Net loans and leases to deposits | 84.9935% | 2,255 |
| Net loans and leases to core deposits | 96.4540% | 1,895 |
| Total domestic deposits to total assets | 88.0035% | 1,338 |
| Equity capital to assets | 9.3211% | 4,410 |
| Core capital (leverage) ratio | 8.5576% | 4,974 |
| Tier 1 risk-based capital ratio | 9.8784% | 5,302 |
| Total risk-based capital ratio | 10.7584% | 5,315 |
| Memoranda: | ||
| Average total assets | $1,797,111,000 | 471 |
| Average earning assets | $1,693,604,500 | 460 |
| Average equity | $162,966,000 | 560 |
| Average total loans | $1,352,568,500 | 442 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 3,338 |
| Cost of funding earning assets | 0.6164% | 2,611 |
| Net interest margin | 3.6184% | 3,319 |
| Noninterest income to average assets | 0.7452% | 1,669 |
| Noninterest expense to average assets | 2.4327% | 3,792 |
| Loan and lease loss provision to assets | 0.1542% | 1,369 |
| Net operating income to assets | 1.5552% | 979 |
| Return on assets (ROA) | 1.5550% | 975 |
| Pretax return on assets | 1.5649% | 1,569 |
| Return on Equity (ROE) | 17.8051% | 414 |
| Retained earnings to average equity (ytd only) | 10.3119% | 565 |
| Net charge-offs to loans | 0.0882% | 1,896 |
| Credit loss provision to net charge-offs | 234.3580% | 1,262 |
| Earnings coverage of net charge-offs (x) | 26.1284% | 1,739 |
| Efficiency ratio | 57.9547% | 4,170 |
| Assets per employee ($millions) | 4.7900% | 2,755 |
| Cash dividends to net income (ytd only)* | 42.0843% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 3,805 |
| Loan loss allowance to noncurrent loans | 204.4610% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 2,936 |
| Noncurrent loans to loans | 0.4794% | 2,839 |
| Net loans and leases to total assets | 74.2382% | 1,903 |
| Net loans and leases to deposits | 86.4191% | 2,226 |
| Net loans and leases to core deposits | 95.2056% | 2,116 |
| Total domestic deposits to total assets | 85.9048% | 2,283 |
| Equity capital to assets | 8.8151% | 4,726 |
| Core capital (leverage) ratio | 8.5262% | 5,017 |
| Tier 1 risk-based capital ratio | 9.7558% | 5,349 |
| Total risk-based capital ratio | 10.6179% | 5,356 |
| Memoranda: | ||
| Average total assets | $1,680,860,600 | 489 |
| Average earning assets | $1,582,532,400 | 472 |
| Average equity | $146,800,600 | 589 |
| Average total loans | $1,253,906,000 | 462 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 3,347 |
| Cost of funding earning assets | 0.5630% | 2,760 |
| Net interest margin | 3.6285% | 3,273 |
| Noninterest income to average assets | 0.7543% | 1,657 |
| Noninterest expense to average assets | 2.4437% | 3,751 |
| Loan and lease loss provision to assets | 0.1654% | 1,142 |
| Net operating income to assets | 1.5425% | 1,086 |
| Return on assets (ROA) | 1.5423% | 1,085 |
| Pretax return on assets | 1.5614% | 1,699 |
| Return on Equity (ROE) | 17.7044% | 460 |
| Retained earnings to average equity (ytd only) | 7.5135% | 1,881 |
| Net charge-offs to loans | 0.0837% | 1,683 |
| Credit loss provision to net charge-offs | 265.0712% | 1,126 |
| Earnings coverage of net charge-offs (x) | 27.6805% | 1,699 |
| Efficiency ratio | 57.9952% | 4,122 |
| Assets per employee ($millions) | 4.6256% | 2,951 |
| Cash dividends to net income (ytd only)* | 57.5615% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 3,846 |
| Loan loss allowance to noncurrent loans | 225.3643% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 3,117 |
| Noncurrent loans to loans | 0.4383% | 3,086 |
| Net loans and leases to total assets | 75.4701% | 1,736 |
| Net loans and leases to deposits | 85.6539% | 2,402 |
| Net loans and leases to core deposits | 94.4574% | 2,249 |
| Total domestic deposits to total assets | 88.1105% | 1,196 |
| Equity capital to assets | 8.3900% | 4,987 |
| Core capital (leverage) ratio | 8.1903% | 5,257 |
| Tier 1 risk-based capital ratio | 9.3778% | 5,442 |
| Total risk-based capital ratio | 10.2466% | 5,453 |
| Memoranda: | ||
| Average total assets | $1,652,016,000 | 491 |
| Average earning assets | $1,555,384,250 | 474 |
| Average equity | $143,915,500 | 597 |
| Average total loans | $1,230,708,750 | 471 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 3,369 |
| Cost of funding earning assets | 0.4863% | 3,121 |
| Net interest margin | 3.6376% | 3,169 |
| Noninterest income to average assets | 0.7530% | 1,634 |
| Noninterest expense to average assets | 2.4304% | 3,822 |
| Loan and lease loss provision to assets | 0.1846% | 972 |
| Net operating income to assets | 1.5425% | 1,049 |
| Return on assets (ROA) | 1.5636% | 1,010 |
| Pretax return on assets | 1.5832% | 1,557 |
| Return on Equity (ROE) | 17.7171% | 450 |
| Retained earnings to average equity (ytd only) | 7.2740% | 1,941 |
| Net charge-offs to loans | 0.0825% | 1,503 |
| Credit loss provision to net charge-offs | 302.8226% | 991 |
| Earnings coverage of net charge-offs (x) | 28.6552% | 1,549 |
| Efficiency ratio | 57.6800% | 4,288 |
| Assets per employee ($millions) | 4.6017% | 2,968 |
| Cash dividends to net income (ytd only)* | 58.9437% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,922 |
| Loan loss allowance to noncurrent loans | 233.2661% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,237 |
| Noncurrent loans to loans | 0.4233% | 3,183 |
| Net loans and leases to total assets | 74.5084% | 1,863 |
| Net loans and leases to deposits | 86.8055% | 2,240 |
| Net loans and leases to core deposits | 95.0583% | 2,140 |
| Total domestic deposits to total assets | 85.8337% | 2,353 |
| Equity capital to assets | 8.3973% | 5,016 |
| Core capital (leverage) ratio | 8.2429% | 5,239 |
| Tier 1 risk-based capital ratio | 9.3594% | 5,505 |
| Total risk-based capital ratio | 10.2272% | 5,509 |
| Memoranda: | ||
| Average total assets | $1,627,576,330 | 496 |
| Average earning assets | $1,531,958,330 | 481 |
| Average equity | $143,635,330 | 588 |
| Average total loans | $1,202,577,670 | 476 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,351 |
| Cost of funding earning assets | 0.4151% | 3,481 |
| Net interest margin | 3.6498% | 2,989 |
| Noninterest income to average assets | 0.7327% | 1,693 |
| Noninterest expense to average assets | 2.4770% | 3,723 |
| Loan and lease loss provision to assets | 0.1325% | 1,428 |
| Net operating income to assets | 1.5410% | 978 |
| Return on assets (ROA) | 1.5410% | 986 |
| Pretax return on assets | 1.5617% | 1,491 |
| Return on Equity (ROE) | 17.0165% | 510 |
| Retained earnings to average equity (ytd only) | 5.8727% | 2,771 |
| Net charge-offs to loans | 0.0704% | 1,416 |
| Credit loss provision to net charge-offs | 257.3529% | 895 |
| Earnings coverage of net charge-offs (x) | 32.9167% | 1,191 |
| Efficiency ratio | 59.1726% | 4,187 |
| Assets per employee ($millions) | 4.5066% | 3,146 |
| Cash dividends to net income (ytd only)* | 65.4879% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 3,822 |
| Loan loss allowance to noncurrent loans | 235.2424% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 3,291 |
| Noncurrent loans to loans | 0.4353% | 3,224 |
| Net loans and leases to total assets | 72.5004% | 2,093 |
| Net loans and leases to deposits | 85.2909% | 2,264 |
| Net loans and leases to core deposits | 99.4679% | 1,723 |
| Total domestic deposits to total assets | 85.0036% | 2,930 |
| Equity capital to assets | 8.8533% | 4,704 |
| Core capital (leverage) ratio | 9.1852% | 4,452 |
| Tier 1 risk-based capital ratio | 10.5543% | 5,335 |
| Total risk-based capital ratio | 11.4421% | 5,378 |
| Memoranda: | ||
| Average total assets | $1,585,444,000 | 520 |
| Average earning assets | $1,493,657,500 | 499 |
| Average equity | $143,578,500 | 592 |
| Average total loans | $1,159,774,000 | 495 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9725% | 3,502 |
| Cost of funding earning assets | 0.3332% | 3,844 |
| Net interest margin | 3.6392% | 3,028 |
| Noninterest income to average assets | 0.7653% | 1,709 |
| Noninterest expense to average assets | 2.4820% | 3,845 |
| Loan and lease loss provision to assets | 0.1260% | 1,819 |
| Net operating income to assets | 1.5587% | 706 |
| Return on assets (ROA) | 1.5689% | 705 |
| Pretax return on assets | 1.5871% | 1,326 |
| Return on Equity (ROE) | 16.9140% | 404 |
| Retained earnings to average equity (ytd only) | 6.5294% | 1,267 |
| Net charge-offs to loans | 0.1138% | 1,915 |
| Credit loss provision to net charge-offs | 153.8961% | 1,740 |
| Earnings coverage of net charge-offs (x) | 20.8060% | 1,946 |
| Efficiency ratio | 59.0863% | 4,398 |
| Assets per employee ($millions) | 4.2802% | 3,523 |
| Cash dividends to net income (ytd only)* | 61.3965% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,787 |
| Loan loss allowance to noncurrent loans | 205.4367% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 3,141 |
| Noncurrent loans to loans | 0.4983% | 3,031 |
| Net loans and leases to total assets | 72.3021% | 2,180 |
| Net loans and leases to deposits | 85.9299% | 2,272 |
| Net loans and leases to core deposits | 100.7959% | 1,654 |
| Total domestic deposits to total assets | 84.1408% | 3,154 |
| Equity capital to assets | 9.2636% | 4,464 |
| Core capital (leverage) ratio | 9.3011% | 4,289 |
| Tier 1 risk-based capital ratio | 10.6755% | 5,306 |
| Total risk-based capital ratio | 11.5623% | 5,363 |
| Memoranda: | ||
| Average total assets | $1,505,347,800 | 517 |
| Average earning assets | $1,414,441,000 | 501 |
| Average equity | $139,630,000 | 582 |
| Average total loans | $1,082,870,600 | 501 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,476 |
| Cost of funding earning assets | 0.3173% | 3,956 |
| Net interest margin | 3.6475% | 2,963 |
| Noninterest income to average assets | 0.7617% | 1,730 |
| Noninterest expense to average assets | 2.4752% | 3,808 |
| Loan and lease loss provision to assets | 0.1340% | 1,618 |
| Net operating income to assets | 1.5622% | 779 |
| Return on assets (ROA) | 1.5754% | 777 |
| Pretax return on assets | 1.5938% | 1,447 |
| Return on Equity (ROE) | 16.9785% | 426 |
| Retained earnings to average equity (ytd only) | 3.9597% | 3,562 |
| Net charge-offs to loans | 0.0947% | 1,847 |
| Credit loss provision to net charge-offs | 197.4934% | 1,360 |
| Earnings coverage of net charge-offs (x) | 25.2771% | 1,734 |
| Efficiency ratio | 58.8527% | 4,380 |
| Assets per employee ($millions) | 4.2229% | 3,602 |
| Cash dividends to net income (ytd only)* | 76.6784% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 3,762 |
| Loan loss allowance to noncurrent loans | 200.6297% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 3,197 |
| Noncurrent loans to loans | 0.5255% | 3,119 |
| Net loans and leases to total assets | 73.3835% | 2,028 |
| Net loans and leases to deposits | 84.9932% | 2,437 |
| Net loans and leases to core deposits | 99.7389% | 1,726 |
| Total domestic deposits to total assets | 86.3404% | 2,153 |
| Equity capital to assets | 9.4970% | 4,450 |
| Core capital (leverage) ratio | 9.0999% | 4,633 |
| Tier 1 risk-based capital ratio | 10.5949% | 5,421 |
| Total risk-based capital ratio | 11.5136% | 5,469 |
| Memoranda: | ||
| Average total assets | $1,490,046,250 | 524 |
| Average earning assets | $1,400,320,750 | 507 |
| Average equity | $138,257,500 | 593 |
| Average total loans | $1,067,497,000 | 506 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 3,495 |
| Cost of funding earning assets | 0.2960% | 4,121 |
| Net interest margin | 3.6216% | 2,943 |
| Noninterest income to average assets | 0.7723% | 1,680 |
| Noninterest expense to average assets | 2.4825% | 3,800 |
| Loan and lease loss provision to assets | 0.1467% | 1,383 |
| Net operating income to assets | 1.5272% | 819 |
| Return on assets (ROA) | 1.5371% | 826 |
| Pretax return on assets | 1.5554% | 1,475 |
| Return on Equity (ROE) | 16.6990% | 439 |
| Retained earnings to average equity (ytd only) | 2.0597% | 4,431 |
| Net charge-offs to loans | 0.1230% | 1,422 |
| Credit loss provision to net charge-offs | 168.5759% | 1,415 |
| Earnings coverage of net charge-offs (x) | 19.4396% | 1,833 |
| Efficiency ratio | 59.2363% | 4,435 |
| Assets per employee ($millions) | 4.2499% | 3,518 |
| Cash dividends to net income (ytd only)* | 87.6655% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,867 |
| Loan loss allowance to noncurrent loans | 185.0129% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 3,297 |
| Noncurrent loans to loans | 0.5657% | 3,041 |
| Net loans and leases to total assets | 72.2246% | 2,166 |
| Net loans and leases to deposits | 84.4193% | 2,418 |
| Net loans and leases to core deposits | 97.5807% | 1,845 |
| Total domestic deposits to total assets | 85.5547% | 2,590 |
| Equity capital to assets | 9.3963% | 4,516 |
| Core capital (leverage) ratio | 8.9275% | 4,806 |
| Tier 1 risk-based capital ratio | 10.5699% | 5,435 |
| Total risk-based capital ratio | 11.4819% | 5,501 |
| Memoranda: | ||
| Average total assets | $1,484,206,000 | 525 |
| Average earning assets | $1,394,407,000 | 511 |
| Average equity | $136,618,670 | 597 |
| Average total loans | $1,050,631,330 | 511 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 3,481 |
| Cost of funding earning assets | 0.2753% | 4,295 |
| Net interest margin | 3.6008% | 2,886 |
| Noninterest income to average assets | 0.7745% | 1,643 |
| Noninterest expense to average assets | 2.5383% | 3,695 |
| Loan and lease loss provision to assets | 0.1661% | 1,077 |
| Net operating income to assets | 1.4360% | 923 |
| Return on assets (ROA) | 1.4368% | 946 |
| Pretax return on assets | 1.4528% | 1,687 |
| Return on Equity (ROE) | 15.7771% | 555 |
| Retained earnings to average equity (ytd only) | 0.8790% | 4,700 |
| Net charge-offs to loans | 0.1511% | 1,054 |
| Credit loss provision to net charge-offs | 157.7320% | 1,179 |
| Earnings coverage of net charge-offs (x) | 15.3686% | 1,680 |
| Efficiency ratio | 60.8409% | 4,342 |
| Assets per employee ($millions) | 4.2629% | 3,560 |
| Cash dividends to net income (ytd only)* | 94.4287% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 3,801 |
| Loan loss allowance to noncurrent loans | 143.8377% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 2,981 |
| Noncurrent loans to loans | 0.7532% | 2,604 |
| Net loans and leases to total assets | 69.1872% | 2,505 |
| Net loans and leases to deposits | 79.8527% | 2,772 |
| Net loans and leases to core deposits | 92.0601% | 2,160 |
| Total domestic deposits to total assets | 86.6435% | 2,375 |
| Equity capital to assets | 9.1378% | 4,670 |
| Core capital (leverage) ratio | 9.0111% | 4,724 |
| Tier 1 risk-based capital ratio | 10.8978% | 5,363 |
| Total risk-based capital ratio | 11.8277% | 5,429 |
| Memoranda: | ||
| Average total assets | $1,474,069,000 | 527 |
| Average earning assets | $1,384,474,500 | 512 |
| Average equity | $134,245,000 | 605 |
| Average total loans | $1,026,898,000 | 523 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 3,643 |
| Cost of funding earning assets | 0.2521% | 4,546 |
| Net interest margin | 3.6289% | 2,966 |
| Noninterest income to average assets | 0.8239% | 1,664 |
| Noninterest expense to average assets | 2.5697% | 3,780 |
| Loan and lease loss provision to assets | 0.1741% | 1,386 |
| Net operating income to assets | 1.4575% | 904 |
| Return on assets (ROA) | 1.3997% | 1,034 |
| Pretax return on assets | 1.4151% | 1,878 |
| Return on Equity (ROE) | 14.4332% | 710 |
| Retained earnings to average equity (ytd only) | 5.2138% | 2,196 |
| Net charge-offs to loans | 0.1318% | 1,926 |
| Credit loss provision to net charge-offs | 189.2691% | 1,493 |
| Earnings coverage of net charge-offs (x) | 17.9106% | 2,008 |
| Efficiency ratio | 60.6941% | 4,469 |
| Assets per employee ($millions) | 4.2330% | 3,560 |
| Cash dividends to net income (ytd only)* | 63.8765% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,764 |
| Loan loss allowance to noncurrent loans | 116.8200% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 2,672 |
| Noncurrent loans to loans | 0.9336% | 2,221 |
| Net loans and leases to total assets | 68.6215% | 2,682 |
| Net loans and leases to deposits | 79.2302% | 2,973 |
| Net loans and leases to core deposits | 91.6329% | 2,333 |
| Total domestic deposits to total assets | 86.6102% | 2,325 |
| Equity capital to assets | 9.0758% | 4,736 |
| Core capital (leverage) ratio | 9.2318% | 4,433 |
| Tier 1 risk-based capital ratio | 11.2166% | 5,210 |
| Total risk-based capital ratio | 12.1560% | 5,279 |
| Memoranda: | ||
| Average total assets | $1,398,047,800 | 535 |
| Average earning assets | $1,307,269,400 | 521 |
| Average equity | $135,583,200 | 584 |
| Average total loans | $975,449,600 | 520 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 3,742 |
| Cost of funding earning assets | 0.2481% | 4,618 |
| Net interest margin | 3.6103% | 3,030 |
| Noninterest income to average assets | 0.8043% | 1,747 |
| Noninterest expense to average assets | 2.5998% | 3,661 |
| Loan and lease loss provision to assets | 0.1832% | 1,198 |
| Net operating income to assets | 1.3783% | 1,108 |
| Return on assets (ROA) | 1.3940% | 1,136 |
| Pretax return on assets | 1.4108% | 2,002 |
| Return on Equity (ROE) | 14.1346% | 794 |
| Retained earnings to average equity (ytd only) | 2.8887% | 4,168 |
| Net charge-offs to loans | 0.1115% | 1,828 |
| Credit loss provision to net charge-offs | 235.1485% | 1,252 |
| Earnings coverage of net charge-offs (x) | 20.2524% | 1,885 |
| Efficiency ratio | 61.9815% | 4,239 |
| Assets per employee ($millions) | 4.2336% | 3,535 |
| Cash dividends to net income (ytd only)* | 79.5627% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,851 |
| Loan loss allowance to noncurrent loans | 79.9157% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 2,064 |
| Noncurrent loans to loans | 1.3735% | 1,605 |
| Net loans and leases to total assets | 69.6379% | 2,545 |
| Net loans and leases to deposits | 80.5853% | 2,901 |
| Net loans and leases to core deposits | 92.3958% | 2,340 |
| Total domestic deposits to total assets | 86.4152% | 2,162 |
| Equity capital to assets | 9.8154% | 4,344 |
| Core capital (leverage) ratio | 9.0922% | 4,723 |
| Tier 1 risk-based capital ratio | 11.0756% | 5,335 |
| Total risk-based capital ratio | 12.0296% | 5,391 |
| Memoranda: | ||
| Average total assets | $1,382,459,750 | 542 |
| Average earning assets | $1,291,850,250 | 529 |
| Average equity | $136,343,250 | 581 |
| Average total loans | $966,012,500 | 523 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 3,700 |
| Cost of funding earning assets | 0.2389% | 4,769 |
| Net interest margin | 3.6316% | 2,975 |
| Noninterest income to average assets | 0.7859% | 1,779 |
| Noninterest expense to average assets | 2.6283% | 3,621 |
| Loan and lease loss provision to assets | 0.1855% | 1,172 |
| Net operating income to assets | 1.3467% | 1,176 |
| Return on assets (ROA) | 1.3702% | 1,188 |
| Pretax return on assets | 1.3867% | 2,075 |
| Return on Equity (ROE) | 13.8707% | 857 |
| Retained earnings to average equity (ytd only) | 1.3013% | 4,869 |
| Net charge-offs to loans | 0.0916% | 1,928 |
| Credit loss provision to net charge-offs | 290.6178% | 987 |
| Earnings coverage of net charge-offs (x) | 24.2563% | 1,555 |
| Efficiency ratio | 62.6784% | 4,238 |
| Assets per employee ($millions) | 3.9729% | 3,965 |
| Cash dividends to net income (ytd only)* | 90.6183% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,954 |
| Loan loss allowance to noncurrent loans | 71.6431% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 1,906 |
| Noncurrent loans to loans | 1.5325% | 1,415 |
| Net loans and leases to total assets | 69.5451% | 2,543 |
| Net loans and leases to deposits | 82.2430% | 2,678 |
| Net loans and leases to core deposits | 90.1592% | 2,519 |
| Total domestic deposits to total assets | 84.5605% | 3,071 |
| Equity capital to assets | 9.8782% | 4,361 |
| Core capital (leverage) ratio | 9.2220% | 4,559 |
| Tier 1 risk-based capital ratio | 11.0538% | 5,398 |
| Total risk-based capital ratio | 11.9991% | 5,470 |
| Memoranda: | ||
| Average total assets | $1,369,111,000 | 543 |
| Average earning assets | $1,278,337,670 | 536 |
| Average equity | $135,249,330 | 584 |
| Average total loans | $954,150,670 | 530 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 3,484 |
| Cost of funding earning assets | 0.2380% | 4,828 |
| Net interest margin | 3.6870% | 2,721 |
| Noninterest income to average assets | 0.7615% | 1,768 |
| Noninterest expense to average assets | 2.6525% | 3,569 |
| Loan and lease loss provision to assets | 0.1514% | 1,401 |
| Net operating income to assets | 1.3753% | 1,086 |
| Return on assets (ROA) | 1.4202% | 1,060 |
| Pretax return on assets | 1.4381% | 1,785 |
| Return on Equity (ROE) | 14.3760% | 768 |
| Retained earnings to average equity (ytd only) | 3.9435% | 3,519 |
| Net charge-offs to loans | 0.0968% | 1,549 |
| Credit loss provision to net charge-offs | 225.4386% | 1,005 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,383 |
| Efficiency ratio | 62.9596% | 4,304 |
| Assets per employee ($millions) | 3.8538% | 4,200 |
| Cash dividends to net income (ytd only)* | 72.5689% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 4,169 |
| Loan loss allowance to noncurrent loans | 83.5493% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 2,423 |
| Noncurrent loans to loans | 1.2925% | 1,865 |
| Net loans and leases to total assets | 69.3898% | 2,442 |
| Net loans and leases to deposits | 82.3046% | 2,508 |
| Net loans and leases to core deposits | 88.7014% | 2,489 |
| Total domestic deposits to total assets | 84.3086% | 3,392 |
| Equity capital to assets | 10.1098% | 3,934 |
| Core capital (leverage) ratio | 9.4553% | 4,265 |
| Tier 1 risk-based capital ratio | 11.4370% | 5,263 |
| Total risk-based capital ratio | 12.3619% | 5,356 |
| Memoranda: | ||
| Average total assets | $1,358,413,000 | 549 |
| Average earning assets | $1,265,642,000 | 542 |
| Average equity | $134,195,500 | 587 |
| Average total loans | $942,343,500 | 533 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 3,887 |
| Cost of funding earning assets | 0.2316% | 4,996 |
| Net interest margin | 3.6166% | 3,067 |
| Noninterest income to average assets | 0.9785% | 1,238 |
| Noninterest expense to average assets | 2.8474% | 3,042 |
| Loan and lease loss provision to assets | 0.1837% | 1,223 |
| Net operating income to assets | 1.3006% | 1,268 |
| Return on assets (ROA) | 1.3168% | 1,276 |
| Pretax return on assets | 1.3332% | 2,153 |
| Return on Equity (ROE) | 13.4394% | 961 |
| Retained earnings to average equity (ytd only) | 1.4468% | 4,906 |
| Net charge-offs to loans | 0.3048% | 986 |
| Credit loss provision to net charge-offs | 87.4729% | 2,804 |
| Earnings coverage of net charge-offs (x) | 7.1458% | 3,114 |
| Efficiency ratio | 65.2428% | 4,037 |
| Assets per employee ($millions) | 3.9649% | 4,001 |
| Cash dividends to net income (ytd only)* | 89.2343% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 4,299 |
| Loan loss allowance to noncurrent loans | 74.3393% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9750% | 2,247 |
| Noncurrent loans to loans | 1.4152% | 1,649 |
| Net loans and leases to total assets | 67.8879% | 2,715 |
| Net loans and leases to deposits | 82.7339% | 2,507 |
| Net loans and leases to core deposits | 89.0163% | 2,500 |
| Total domestic deposits to total assets | 82.0557% | 4,153 |
| Equity capital to assets | 9.6524% | 4,367 |
| Core capital (leverage) ratio | 9.3841% | 4,347 |
| Tier 1 risk-based capital ratio | 11.3500% | 5,348 |
| Total risk-based capital ratio | 12.2503% | 5,423 |
| Memoranda: | ||
| Average total assets | $1,319,111,000 | 545 |
| Average earning assets | $1,228,969,800 | 531 |
| Average equity | $129,246,800 | 588 |
| Average total loans | $908,847,400 | 522 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,898 |
| Cost of funding earning assets | 0.2325% | 5,069 |
| Net interest margin | 3.6258% | 3,050 |
| Noninterest income to average assets | 0.7736% | 1,909 |
| Noninterest expense to average assets | 2.6013% | 3,877 |
| Loan and lease loss provision to assets | 0.2243% | 828 |
| Net operating income to assets | 1.3104% | 1,309 |
| Return on assets (ROA) | 1.3309% | 1,317 |
| Pretax return on assets | 1.3474% | 2,222 |
| Return on Equity (ROE) | 13.5308% | 999 |
| Retained earnings to average equity (ytd only) | -2.5575% | 5,900 |
| Net charge-offs to loans | 0.3576% | 736 |
| Credit loss provision to net charge-offs | 90.9354% | 2,459 |
| Earnings coverage of net charge-offs (x) | 6.2877% | 3,071 |
| Efficiency ratio | 62.3875% | 4,512 |
| Assets per employee ($millions) | 3.7259% | 4,398 |
| Cash dividends to net income (ytd only)* | 118.9015% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 4,236 |
| Loan loss allowance to noncurrent loans | 70.8433% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 2,197 |
| Noncurrent loans to loans | 1.5503% | 1,610 |
| Net loans and leases to total assets | 68.4807% | 2,607 |
| Net loans and leases to deposits | 83.7700% | 2,432 |
| Net loans and leases to core deposits | 87.7780% | 2,678 |
| Total domestic deposits to total assets | 81.7484% | 4,240 |
| Equity capital to assets | 9.7470% | 4,458 |
| Core capital (leverage) ratio | 9.2512% | 4,662 |
| Tier 1 risk-based capital ratio | 11.3669% | 5,451 |
| Total risk-based capital ratio | 12.3131% | 5,521 |
| Memoranda: | ||
| Average total assets | $1,305,925,250 | 551 |
| Average earning assets | $1,216,903,500 | 537 |
| Average equity | $128,454,250 | 597 |
| Average total loans | $900,753,000 | 528 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 3,923 |
| Cost of funding earning assets | 0.2309% | 5,134 |
| Net interest margin | 3.6082% | 3,054 |
| Noninterest income to average assets | 0.7632% | 1,934 |
| Noninterest expense to average assets | 2.6071% | 3,880 |
| Loan and lease loss provision to assets | 0.2414% | 751 |
| Net operating income to assets | 1.2589% | 1,428 |
| Return on assets (ROA) | 1.2900% | 1,415 |
| Pretax return on assets | 1.3056% | 2,341 |
| Return on Equity (ROE) | 13.0744% | 1,098 |
| Retained earnings to average equity (ytd only) | -6.3931% | 6,067 |
| Net charge-offs to loans | 0.4963% | 500 |
| Credit loss provision to net charge-offs | 70.6067% | 2,457 |
| Earnings coverage of net charge-offs (x) | 4.4333% | 3,042 |
| Efficiency ratio | 62.9719% | 4,524 |
| Assets per employee ($millions) | 3.8902% | 4,093 |
| Cash dividends to net income (ytd only)* | 148.8982% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 4,544 |
| Loan loss allowance to noncurrent loans | 66.9387% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0979% | 2,314 |
| Noncurrent loans to loans | 1.5826% | 1,661 |
| Net loans and leases to total assets | 67.9519% | 2,651 |
| Net loans and leases to deposits | 80.4461% | 2,727 |
| Net loans and leases to core deposits | 85.0273% | 2,877 |
| Total domestic deposits to total assets | 84.4688% | 3,367 |
| Equity capital to assets | 9.3821% | 4,810 |
| Core capital (leverage) ratio | 9.1113% | 4,807 |
| Tier 1 risk-based capital ratio | 11.3365% | 5,555 |
| Total risk-based capital ratio | 12.2518% | 5,627 |
| Memoranda: | ||
| Average total assets | $1,301,578,330 | 546 |
| Average earning assets | $1,211,891,000 | 538 |
| Average equity | $128,419,000 | 595 |
| Average total loans | $896,581,670 | 525 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 3,826 |
| Cost of funding earning assets | 0.2272% | 5,244 |
| Net interest margin | 3.6226% | 2,916 |
| Noninterest income to average assets | 0.7415% | 1,953 |
| Noninterest expense to average assets | 2.6021% | 3,908 |
| Loan and lease loss provision to assets | 0.1408% | 1,455 |
| Net operating income to assets | 1.3544% | 1,128 |
| Return on assets (ROA) | 1.3544% | 1,194 |
| Pretax return on assets | 1.3674% | 2,009 |
| Return on Equity (ROE) | 13.3921% | 1,012 |
| Retained earnings to average equity (ytd only) | -6.4911% | 6,016 |
| Net charge-offs to loans | 0.0726% | 1,989 |
| Credit loss provision to net charge-offs | 280.8642% | 852 |
| Earnings coverage of net charge-offs (x) | 30.0926% | 1,146 |
| Efficiency ratio | 63.0438% | 4,623 |
| Assets per employee ($millions) | 3.7459% | 4,431 |
| Cash dividends to net income (ytd only)* | 148.4696% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 4,018 |
| Loan loss allowance to noncurrent loans | 75.5482% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.1595% | 2,313 |
| Noncurrent loans to loans | 1.5808% | 1,767 |
| Net loans and leases to total assets | 67.0972% | 2,596 |
| Net loans and leases to deposits | 78.6298% | 2,726 |
| Net loans and leases to core deposits | 82.9422% | 2,876 |
| Total domestic deposits to total assets | 85.3330% | 3,252 |
| Equity capital to assets | 10.0655% | 4,069 |
| Core capital (leverage) ratio | 9.6031% | 4,145 |
| Tier 1 risk-based capital ratio | 11.8210% | 5,360 |
| Total risk-based capital ratio | 12.8528% | 5,410 |
| Memoranda: | ||
| Average total assets | $1,292,977,000 | 542 |
| Average earning assets | $1,202,354,000 | 539 |
| Average equity | $130,763,500 | 584 |
| Average total loans | $892,006,500 | 528 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,294 |
| Cost of funding earning assets | 0.2524% | 5,298 |
| Net interest margin | 3.8558% | 2,410 |
| Noninterest income to average assets | 0.7669% | 2,007 |
| Noninterest expense to average assets | 2.6987% | 3,865 |
| Loan and lease loss provision to assets | 0.0884% | 2,700 |
| Net operating income to assets | 1.5357% | 818 |
| Return on assets (ROA) | 1.5834% | 767 |
| Pretax return on assets | 1.5978% | 1,240 |
| Return on Equity (ROE) | 16.1354% | 607 |
| Retained earnings to average equity (ytd only) | 6.3424% | 1,735 |
| Net charge-offs to loans | 0.0484% | 3,855 |
| Credit loss provision to net charge-offs | 260.5911% | 986 |
| Earnings coverage of net charge-offs (x) | 48.2833% | 952 |
| Efficiency ratio | 62.1604% | 4,887 |
| Assets per employee ($millions) | 3.7064% | 4,515 |
| Cash dividends to net income (ytd only)* | 60.6924% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 4,350 |
| Loan loss allowance to noncurrent loans | 106.5606% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8390% | 3,113 |
| Noncurrent loans to loans | 1.0671% | 2,688 |
| Net loans and leases to total assets | 69.2836% | 2,340 |
| Net loans and leases to deposits | 82.0318% | 2,466 |
| Net loans and leases to core deposits | 86.7406% | 2,626 |
| Total domestic deposits to total assets | 84.4594% | 3,526 |
| Equity capital to assets | 10.1617% | 3,903 |
| Core capital (leverage) ratio | 9.8084% | 3,825 |
| Tier 1 risk-based capital ratio | 12.1987% | 5,227 |
| Total risk-based capital ratio | 13.2213% | 5,282 |
| Memoranda: | ||
| Average total assets | $1,196,678,400 | 564 |
| Average earning assets | $1,107,976,200 | 556 |
| Average equity | $117,431,400 | 616 |
| Average total loans | $838,394,600 | 532 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 3,288 |
| Cost of funding earning assets | 0.2567% | 5,336 |
| Net interest margin | 3.8650% | 2,373 |
| Noninterest income to average assets | 0.7330% | 2,171 |
| Noninterest expense to average assets | 2.7133% | 3,782 |
| Loan and lease loss provision to assets | 0.1197% | 2,073 |
| Net operating income to assets | 1.4650% | 996 |
| Return on assets (ROA) | 1.5297% | 917 |
| Pretax return on assets | 1.5432% | 1,502 |
| Return on Equity (ROE) | 15.7414% | 706 |
| Retained earnings to average equity (ytd only) | 3.4736% | 4,161 |
| Net charge-offs to loans | -0.0055% | 5,313 |
| Credit loss provision to net charge-offs | -3,100.0000% | 6,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9425% | 4,739 |
| Assets per employee ($millions) | 3.5257% | 4,814 |
| Cash dividends to net income (ytd only)* | 77.9336% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 3,831 |
| Loan loss allowance to noncurrent loans | 110.0979% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8757% | 3,242 |
| Noncurrent loans to loans | 1.1511% | 2,754 |
| Net loans and leases to total assets | 71.3275% | 1,965 |
| Net loans and leases to deposits | 84.5426% | 2,083 |
| Net loans and leases to core deposits | 89.9529% | 2,230 |
| Total domestic deposits to total assets | 84.3687% | 3,606 |
| Equity capital to assets | 10.1443% | 4,000 |
| Core capital (leverage) ratio | 9.7272% | 4,034 |
| Tier 1 risk-based capital ratio | 12.0505% | 5,454 |
| Total risk-based capital ratio | 13.1885% | 5,448 |
| Memoranda: | ||
| Average total assets | $1,174,320,000 | 575 |
| Average earning assets | $1,087,065,000 | 562 |
| Average equity | $114,116,500 | 632 |
| Average total loans | $822,664,750 | 537 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 3,585 |
| Cost of funding earning assets | 0.2582% | 5,403 |
| Net interest margin | 3.7824% | 2,625 |
| Noninterest income to average assets | 0.7099% | 2,228 |
| Noninterest expense to average assets | 2.6962% | 3,883 |
| Loan and lease loss provision to assets | 0.1785% | 1,376 |
| Net operating income to assets | 1.3219% | 1,246 |
| Return on assets (ROA) | 1.4056% | 1,089 |
| Pretax return on assets | 1.4171% | 1,830 |
| Return on Equity (ROE) | 14.6770% | 844 |
| Retained earnings to average equity (ytd only) | -0.4082% | 5,755 |
| Net charge-offs to loans | -0.0056% | 5,197 |
| Credit loss provision to net charge-offs | -4,565.2174% | 5,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0840% | 4,675 |
| Assets per employee ($millions) | 3.6221% | 4,615 |
| Cash dividends to net income (ytd only)* | 102.7811% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 3,887 |
| Loan loss allowance to noncurrent loans | 101.1662% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 3,198 |
| Noncurrent loans to loans | 1.2780% | 2,670 |
| Net loans and leases to total assets | 69.1973% | 2,197 |
| Net loans and leases to deposits | 81.9229% | 2,258 |
| Net loans and leases to core deposits | 86.0711% | 2,510 |
| Total domestic deposits to total assets | 84.4664% | 3,741 |
| Equity capital to assets | 9.7371% | 4,447 |
| Core capital (leverage) ratio | 9.3664% | 4,509 |
| Tier 1 risk-based capital ratio | 11.9672% | 5,560 |
| Total risk-based capital ratio | 13.1287% | 5,529 |
| Memoranda: | ||
| Average total assets | $1,176,754,670 | 571 |
| Average earning assets | $1,088,106,330 | 556 |
| Average equity | $112,693,330 | 636 |
| Average total loans | $815,857,000 | 537 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 3,557 |
| Cost of funding earning assets | 0.2582% | 5,512 |
| Net interest margin | 3.7734% | 2,579 |
| Noninterest income to average assets | 0.7252% | 2,053 |
| Noninterest expense to average assets | 2.7011% | 3,931 |
| Loan and lease loss provision to assets | 0.2669% | 783 |
| Net operating income to assets | 1.2363% | 1,382 |
| Return on assets (ROA) | 1.2498% | 1,405 |
| Pretax return on assets | 1.2589% | 2,251 |
| Return on Equity (ROE) | 13.1605% | 1,122 |
| Retained earnings to average equity (ytd only) | 2.4202% | 4,622 |
| Net charge-offs to loans | -0.1553% | 6,304 |
| Credit loss provision to net charge-offs | -249.2063% | 5,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1088% | 4,840 |
| Assets per employee ($millions) | 3.6036% | 4,710 |
| Cash dividends to net income (ytd only)* | 81.6104% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 3,981 |
| Loan loss allowance to noncurrent loans | 94.4881% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 3,202 |
| Noncurrent loans to loans | 1.4023% | 2,682 |
| Net loans and leases to total assets | 67.8132% | 2,255 |
| Net loans and leases to deposits | 78.0420% | 2,549 |
| Net loans and leases to core deposits | 82.4900% | 2,690 |
| Total domestic deposits to total assets | 86.8931% | 2,875 |
| Equity capital to assets | 9.6258% | 4,323 |
| Core capital (leverage) ratio | 9.5098% | 4,268 |
| Tier 1 risk-based capital ratio | 12.2091% | 5,502 |
| Total risk-based capital ratio | 13.3871% | 5,476 |
| Memoranda: | ||
| Average total assets | $1,176,540,500 | 577 |
| Average earning assets | $1,087,604,500 | 563 |
| Average equity | $111,728,500 | 638 |
| Average total loans | $811,161,000 | 534 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 3,721 |
| Cost of funding earning assets | 0.2934% | 5,650 |
| Net interest margin | 3.8116% | 2,611 |
| Noninterest income to average assets | 0.8322% | 1,927 |
| Noninterest expense to average assets | 2.7479% | 3,916 |
| Loan and lease loss provision to assets | 0.1532% | 2,361 |
| Net operating income to assets | 1.4419% | 932 |
| Return on assets (ROA) | 1.4660% | 931 |
| Pretax return on assets | 1.4743% | 1,538 |
| Return on Equity (ROE) | 15.4670% | 690 |
| Retained earnings to average equity (ytd only) | 7.7056% | 1,151 |
| Net charge-offs to loans | 0.2353% | 2,568 |
| Credit loss provision to net charge-offs | 95.6757% | 2,615 |
| Earnings coverage of net charge-offs (x) | 10.0119% | 2,436 |
| Efficiency ratio | 63.1564% | 5,032 |
| Assets per employee ($millions) | 3.6708% | 4,550 |
| Cash dividends to net income (ytd only)* | 50.1801% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 4,770 |
| Loan loss allowance to noncurrent loans | 80.6877% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0701% | 3,271 |
| Noncurrent loans to loans | 1.4594% | 2,707 |
| Net loans and leases to total assets | 68.3503% | 2,290 |
| Net loans and leases to deposits | 80.8921% | 2,333 |
| Net loans and leases to core deposits | 85.9236% | 2,455 |
| Total domestic deposits to total assets | 84.4957% | 3,965 |
| Equity capital to assets | 9.3673% | 4,590 |
| Core capital (leverage) ratio | 9.6198% | 4,090 |
| Tier 1 risk-based capital ratio | 12.0464% | 5,586 |
| Total risk-based capital ratio | 13.0954% | 5,645 |
| Memoranda: | ||
| Average total assets | $1,155,428,400 | 567 |
| Average earning assets | $1,066,643,800 | 558 |
| Average equity | $109,517,200 | 644 |
| Average total loans | $786,186,000 | 533 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 3,724 |
| Cost of funding earning assets | 0.3000% | 5,739 |
| Net interest margin | 3.8085% | 2,608 |
| Noninterest income to average assets | 0.8504% | 1,934 |
| Noninterest expense to average assets | 2.7773% | 3,739 |
| Loan and lease loss provision to assets | 0.2046% | 1,775 |
| Net operating income to assets | 1.3771% | 1,157 |
| Return on assets (ROA) | 1.4098% | 1,131 |
| Pretax return on assets | 1.4167% | 1,882 |
| Return on Equity (ROE) | 14.8294% | 830 |
| Retained earnings to average equity (ytd only) | 4.4609% | 3,493 |
| Net charge-offs to loans | 0.2571% | 2,268 |
| Credit loss provision to net charge-offs | 117.4434% | 2,003 |
| Earnings coverage of net charge-offs (x) | 9.1198% | 2,523 |
| Efficiency ratio | 63.6146% | 4,864 |
| Assets per employee ($millions) | 3.5322% | 4,784 |
| Cash dividends to net income (ytd only)* | 69.9186% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 4,564 |
| Loan loss allowance to noncurrent loans | 67.7875% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.3479% | 2,942 |
| Noncurrent loans to loans | 1.8674% | 2,411 |
| Net loans and leases to total assets | 68.1581% | 2,268 |
| Net loans and leases to deposits | 79.1274% | 2,521 |
| Net loans and leases to core deposits | 83.9922% | 2,657 |
| Total domestic deposits to total assets | 86.1372% | 3,174 |
| Equity capital to assets | 9.3722% | 4,713 |
| Core capital (leverage) ratio | 9.4006% | 4,528 |
| Tier 1 risk-based capital ratio | 11.9518% | 5,801 |
| Total risk-based capital ratio | 13.0788% | 5,837 |
| Memoranda: | ||
| Average total assets | $1,149,706,750 | 573 |
| Average earning assets | $1,061,247,750 | 557 |
| Average equity | $109,302,500 | 651 |
| Average total loans | $778,987,750 | 535 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1053% | 3,718 |
| Cost of funding earning assets | 0.3058% | 5,788 |
| Net interest margin | 3.7995% | 2,558 |
| Noninterest income to average assets | 0.8507% | 1,997 |
| Noninterest expense to average assets | 2.8207% | 3,606 |
| Loan and lease loss provision to assets | 0.3051% | 1,173 |
| Net operating income to assets | 1.2303% | 1,514 |
| Return on assets (ROA) | 1.2583% | 1,533 |
| Pretax return on assets | 1.2595% | 2,450 |
| Return on Equity (ROE) | 13.1737% | 1,203 |
| Retained earnings to average equity (ytd only) | 1.3774% | 5,333 |
| Net charge-offs to loans | 0.3491% | 1,797 |
| Credit loss provision to net charge-offs | 129.7935% | 1,743 |
| Earnings coverage of net charge-offs (x) | 6.5376% | 2,705 |
| Efficiency ratio | 64.7347% | 4,751 |
| Assets per employee ($millions) | 3.6013% | 4,622 |
| Cash dividends to net income (ytd only)* | 89.5440% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,482 |
| Loan loss allowance to noncurrent loans | 61.0674% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.4845% | 2,878 |
| Noncurrent loans to loans | 2.1376% | 2,241 |
| Net loans and leases to total assets | 66.7658% | 2,455 |
| Net loans and leases to deposits | 78.6401% | 2,503 |
| Net loans and leases to core deposits | 82.7481% | 2,721 |
| Total domestic deposits to total assets | 84.9004% | 3,939 |
| Equity capital to assets | 9.0931% | 5,112 |
| Core capital (leverage) ratio | 9.0290% | 4,940 |
| Tier 1 risk-based capital ratio | 11.8383% | 5,891 |
| Total risk-based capital ratio | 13.0031% | 5,911 |
| Memoranda: | ||
| Average total assets | $1,153,820,330 | 567 |
| Average earning assets | $1,064,879,330 | 557 |
| Average equity | $110,204,670 | 646 |
| Average total loans | $776,935,000 | 532 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 3,600 |
| Cost of funding earning assets | 0.3099% | 5,893 |
| Net interest margin | 3.8196% | 2,379 |
| Noninterest income to average assets | 0.8404% | 1,960 |
| Noninterest expense to average assets | 2.7088% | 4,023 |
| Loan and lease loss provision to assets | 0.3021% | 1,143 |
| Net operating income to assets | 1.3556% | 1,140 |
| Return on assets (ROA) | 1.3646% | 1,202 |
| Pretax return on assets | 1.3539% | 2,026 |
| Return on Equity (ROE) | 13.9572% | 971 |
| Retained earnings to average equity (ytd only) | 6.9028% | 2,200 |
| Net charge-offs to loans | 0.0205% | 3,751 |
| Credit loss provision to net charge-offs | 2,190.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 119.4000% | 324 |
| Efficiency ratio | 62.1883% | 5,282 |
| Assets per employee ($millions) | 3.4695% | 5,040 |
| Cash dividends to net income (ytd only)* | 50.5433% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 4,370 |
| Loan loss allowance to noncurrent loans | 76.9113% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 3,537 |
| Noncurrent loans to loans | 1.7835% | 2,888 |
| Net loans and leases to total assets | 65.4269% | 2,469 |
| Net loans and leases to deposits | 75.3540% | 2,725 |
| Net loans and leases to core deposits | 79.0892% | 2,916 |
| Total domestic deposits to total assets | 86.8260% | 3,063 |
| Equity capital to assets | 9.8481% | 4,354 |
| Core capital (leverage) ratio | 9.0922% | 4,731 |
| Tier 1 risk-based capital ratio | 11.8805% | 5,983 |
| Total risk-based capital ratio | 13.0869% | 5,984 |
| Memoranda: | ||
| Average total assets | $1,159,932,000 | 569 |
| Average earning assets | $1,067,543,000 | 562 |
| Average equity | $113,403,500 | 641 |
| Average total loans | $779,264,000 | 532 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 3,342 |
| Cost of funding earning assets | 0.3878% | 5,995 |
| Net interest margin | 4.1269% | 1,894 |
| Noninterest income to average assets | 0.8227% | 2,170 |
| Noninterest expense to average assets | 2.6367% | 4,613 |
| Loan and lease loss provision to assets | 0.1745% | 3,434 |
| Net operating income to assets | 1.7695% | 540 |
| Return on assets (ROA) | 1.8101% | 562 |
| Pretax return on assets | 1.8366% | 859 |
| Return on Equity (ROE) | 18.8770% | 366 |
| Retained earnings to average equity (ytd only) | 2.2883% | 4,627 |
| Net charge-offs to loans | 0.2603% | 3,380 |
| Credit loss provision to net charge-offs | 100.1014% | 3,028 |
| Earnings coverage of net charge-offs (x) | 11.2995% | 2,049 |
| Efficiency ratio | 57.2347% | 5,929 |
| Assets per employee ($millions) | 3.4659% | 5,082 |
| Cash dividends to net income (ytd only)* | 87.8778% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 5,015 |
| Loan loss allowance to noncurrent loans | 65.5313% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2836% | 3,507 |
| Noncurrent loans to loans | 1.8642% | 2,844 |
| Net loans and leases to total assets | 67.1892% | 2,336 |
| Net loans and leases to deposits | 76.7277% | 2,688 |
| Net loans and leases to core deposits | 80.2828% | 2,966 |
| Total domestic deposits to total assets | 87.5684% | 2,499 |
| Equity capital to assets | 9.7059% | 4,581 |
| Core capital (leverage) ratio | 9.0155% | 4,874 |
| Tier 1 risk-based capital ratio | 11.5839% | 6,040 |
| Total risk-based capital ratio | 12.6879% | 6,110 |
| Memoranda: | ||
| Average total assets | $1,131,612,800 | 577 |
| Average earning assets | $1,037,606,800 | 568 |
| Average equity | $108,507,800 | 655 |
| Average total loans | $758,053,800 | 542 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 3,377 |
| Cost of funding earning assets | 0.4041% | 6,091 |
| Net interest margin | 4.1575% | 1,876 |
| Noninterest income to average assets | 0.8328% | 2,107 |
| Noninterest expense to average assets | 2.6371% | 4,612 |
| Loan and lease loss provision to assets | 0.2077% | 2,998 |
| Net operating income to assets | 1.7786% | 596 |
| Return on assets (ROA) | 1.8065% | 630 |
| Pretax return on assets | 1.8350% | 976 |
| Return on Equity (ROE) | 18.8998% | 402 |
| Retained earnings to average equity (ytd only) | -0.9673% | 6,269 |
| Net charge-offs to loans | 0.2727% | 3,091 |
| Credit loss provision to net charge-offs | 114.1553% | 2,555 |
| Earnings coverage of net charge-offs (x) | 11.0704% | 2,115 |
| Efficiency ratio | 56.6956% | 5,968 |
| Assets per employee ($millions) | 3.4462% | 5,098 |
| Cash dividends to net income (ytd only)* | 105.1179% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 4,835 |
| Loan loss allowance to noncurrent loans | 54.2979% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.8664% | 2,837 |
| Noncurrent loans to loans | 2.3855% | 2,421 |
| Net loans and leases to total assets | 66.8912% | 2,486 |
| Net loans and leases to deposits | 76.8879% | 2,836 |
| Net loans and leases to core deposits | 80.3824% | 3,153 |
| Total domestic deposits to total assets | 86.9984% | 2,669 |
| Equity capital to assets | 9.7262% | 4,888 |
| Core capital (leverage) ratio | 8.8368% | 5,287 |
| Tier 1 risk-based capital ratio | 11.4793% | 6,238 |
| Total risk-based capital ratio | 12.6354% | 6,263 |
| Memoranda: | ||
| Average total assets | $1,123,382,250 | 589 |
| Average earning assets | $1,031,778,000 | 575 |
| Average equity | $107,377,500 | 661 |
| Average total loans | $749,537,500 | 544 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 3,464 |
| Cost of funding earning assets | 0.4234% | 6,138 |
| Net interest margin | 4.1507% | 1,903 |
| Noninterest income to average assets | 0.8280% | 2,064 |
| Noninterest expense to average assets | 2.6385% | 4,656 |
| Loan and lease loss provision to assets | 0.2566% | 2,525 |
| Net operating income to assets | 1.7127% | 655 |
| Return on assets (ROA) | 1.7369% | 705 |
| Pretax return on assets | 1.7660% | 1,102 |
| Return on Equity (ROE) | 18.2792% | 475 |
| Retained earnings to average equity (ytd only) | -0.4764% | 6,118 |
| Net charge-offs to loans | 0.2924% | 2,856 |
| Credit loss provision to net charge-offs | 132.2314% | 2,074 |
| Earnings coverage of net charge-offs (x) | 10.2938% | 2,069 |
| Efficiency ratio | 56.9095% | 6,014 |
| Assets per employee ($millions) | 3.4667% | 5,055 |
| Cash dividends to net income (ytd only)* | 102.6062% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,720 |
| Loan loss allowance to noncurrent loans | 60.4887% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.7122% | 3,155 |
| Noncurrent loans to loans | 2.2081% | 2,709 |
| Net loans and leases to total assets | 65.9383% | 2,679 |
| Net loans and leases to deposits | 75.4608% | 3,057 |
| Net loans and leases to core deposits | 78.7155% | 3,413 |
| Total domestic deposits to total assets | 87.3809% | 2,545 |
| Equity capital to assets | 9.6333% | 4,860 |
| Core capital (leverage) ratio | 8.7714% | 5,267 |
| Tier 1 risk-based capital ratio | 11.7025% | 6,106 |
| Total risk-based capital ratio | 12.8905% | 6,128 |
| Memoranda: | ||
| Average total assets | $1,122,208,330 | 589 |
| Average earning assets | $1,029,658,670 | 576 |
| Average equity | $106,635,000 | 667 |
| Average total loans | $744,819,330 | 551 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 3,533 |
| Cost of funding earning assets | 0.4563% | 6,112 |
| Net interest margin | 4.1378% | 1,972 |
| Noninterest income to average assets | 0.7760% | 2,270 |
| Noninterest expense to average assets | 2.7309% | 4,312 |
| Loan and lease loss provision to assets | 0.2995% | 2,087 |
| Net operating income to assets | 1.5166% | 990 |
| Return on assets (ROA) | 1.5166% | 1,115 |
| Pretax return on assets | 1.5320% | 1,793 |
| Return on Equity (ROE) | 16.0716% | 799 |
| Retained earnings to average equity (ytd only) | -6.6017% | 6,694 |
| Net charge-offs to loans | 0.0970% | 3,557 |
| Credit loss provision to net charge-offs | 466.6667% | 692 |
| Earnings coverage of net charge-offs (x) | 28.5333% | 962 |
| Efficiency ratio | 59.8562% | 5,636 |
| Assets per employee ($millions) | 3.5629% | 4,970 |
| Cash dividends to net income (ytd only)* | 141.0769% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 4,582 |
| Loan loss allowance to noncurrent loans | 50.8262% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 1.8974% | 3,046 |
| Noncurrent loans to loans | 2.7658% | 2,345 |
| Net loans and leases to total assets | 63.5760% | 2,925 |
| Net loans and leases to deposits | 72.8132% | 3,293 |
| Net loans and leases to core deposits | 76.0569% | 3,611 |
| Total domestic deposits to total assets | 87.3138% | 2,762 |
| Equity capital to assets | 9.2168% | 5,211 |
| Core capital (leverage) ratio | 8.8478% | 5,067 |
| Tier 1 risk-based capital ratio | 11.7877% | 6,094 |
| Total risk-based capital ratio | 13.0390% | 6,075 |
| Memoranda: | ||
| Average total assets | $1,121,701,500 | 586 |
| Average earning assets | $1,026,447,500 | 578 |
| Average equity | $105,851,000 | 666 |
| Average total loans | $741,899,000 | 550 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9762% | 2,989 |
| Cost of funding earning assets | 0.7714% | 5,052 |
| Net interest margin | 4.2048% | 2,038 |
| Noninterest income to average assets | 0.8446% | 1,869 |
| Noninterest expense to average assets | 2.6065% | 5,072 |
| Loan and lease loss provision to assets | 0.2988% | 3,275 |
| Net operating income to assets | 1.7413% | 512 |
| Return on assets (ROA) | 1.7114% | 576 |
| Pretax return on assets | 1.7301% | 928 |
| Return on Equity (ROE) | 19.0780% | 309 |
| Retained earnings to average equity (ytd only) | 8.9366% | 824 |
| Net charge-offs to loans | 0.3864% | 3,480 |
| Credit loss provision to net charge-offs | 114.2609% | 2,862 |
| Earnings coverage of net charge-offs (x) | 7.8730% | 2,243 |
| Efficiency ratio | 55.8651% | 6,326 |
| Assets per employee ($millions) | 3.4694% | 5,100 |
| Cash dividends to net income (ytd only)* | 53.1576% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 4,942 |
| Loan loss allowance to noncurrent loans | 46.1770% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 2.0690% | 2,877 |
| Noncurrent loans to loans | 2.7988% | 2,344 |
| Net loans and leases to total assets | 66.9770% | 2,592 |
| Net loans and leases to deposits | 77.0369% | 2,995 |
| Net loans and leases to core deposits | 80.4571% | 3,396 |
| Total domestic deposits to total assets | 86.9416% | 2,799 |
| Equity capital to assets | 9.6639% | 4,655 |
| Core capital (leverage) ratio | 9.0362% | 4,720 |
| Tier 1 risk-based capital ratio | 11.7085% | 6,017 |
| Total risk-based capital ratio | 12.8522% | 6,079 |
| Memoranda: | ||
| Average total assets | $1,099,217,600 | 593 |
| Average earning assets | $998,911,200 | 589 |
| Average equity | $98,605,800 | 696 |
| Average total loans | $744,125,800 | 551 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 3,047 |
| Cost of funding earning assets | 0.8345% | 4,905 |
| Net interest margin | 4.1736% | 2,193 |
| Noninterest income to average assets | 0.8649% | 1,777 |
| Noninterest expense to average assets | 2.6268% | 4,987 |
| Loan and lease loss provision to assets | 0.3194% | 2,983 |
| Net operating income to assets | 1.6936% | 641 |
| Return on assets (ROA) | 1.6474% | 776 |
| Pretax return on assets | 1.6652% | 1,214 |
| Return on Equity (ROE) | 18.7278% | 401 |
| Retained earnings to average equity (ytd only) | 6.3061% | 2,363 |
| Net charge-offs to loans | 0.2435% | 3,902 |
| Credit loss provision to net charge-offs | 193.8836% | 1,505 |
| Earnings coverage of net charge-offs (x) | 12.3301% | 1,718 |
| Efficiency ratio | 56.3907% | 6,226 |
| Assets per employee ($millions) | 3.4925% | 5,022 |
| Cash dividends to net income (ytd only)* | 66.3277% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 4,617 |
| Loan loss allowance to noncurrent loans | 43.1997% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 2.4022% | 2,682 |
| Noncurrent loans to loans | 3.2128% | 2,164 |
| Net loans and leases to total assets | 67.6351% | 2,552 |
| Net loans and leases to deposits | 78.3106% | 2,920 |
| Net loans and leases to core deposits | 82.1665% | 3,299 |
| Total domestic deposits to total assets | 86.3678% | 3,003 |
| Equity capital to assets | 9.3489% | 5,305 |
| Core capital (leverage) ratio | 8.7697% | 5,312 |
| Tier 1 risk-based capital ratio | 11.0774% | 6,498 |
| Total risk-based capital ratio | 12.3090% | 6,493 |
| Memoranda: | ||
| Average total assets | $1,098,206,250 | 603 |
| Average earning assets | $998,122,250 | 596 |
| Average equity | $96,602,750 | 714 |
| Average total loans | $743,005,250 | 558 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 3,060 |
| Cost of funding earning assets | 0.8948% | 4,711 |
| Net interest margin | 4.1257% | 2,313 |
| Noninterest income to average assets | 0.8532% | 1,792 |
| Noninterest expense to average assets | 2.6376% | 5,046 |
| Loan and lease loss provision to assets | 0.3844% | 2,494 |
| Net operating income to assets | 1.5646% | 781 |
| Return on assets (ROA) | 1.5847% | 798 |
| Pretax return on assets | 1.6017% | 1,255 |
| Return on Equity (ROE) | 18.4047% | 430 |
| Retained earnings to average equity (ytd only) | 5.6796% | 2,604 |
| Net charge-offs to loans | 0.2072% | 3,911 |
| Credit loss provision to net charge-offs | 275.5236% | 1,103 |
| Earnings coverage of net charge-offs (x) | 14.0903% | 1,498 |
| Efficiency ratio | 57.2970% | 6,257 |
| Assets per employee ($millions) | 3.5329% | 4,846 |
| Cash dividends to net income (ytd only)* | 69.1404% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 4,375 |
| Loan loss allowance to noncurrent loans | 40.4392% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 2.5641% | 2,603 |
| Noncurrent loans to loans | 3.5713% | 1,978 |
| Net loans and leases to total assets | 66.0871% | 3,011 |
| Net loans and leases to deposits | 76.4858% | 3,380 |
| Net loans and leases to core deposits | 80.2856% | 3,749 |
| Total domestic deposits to total assets | 86.4044% | 3,097 |
| Equity capital to assets | 8.9638% | 5,634 |
| Core capital (leverage) ratio | 8.5161% | 5,524 |
| Tier 1 risk-based capital ratio | 11.0744% | 6,464 |
| Total risk-based capital ratio | 12.3264% | 6,452 |
| Memoranda: | ||
| Average total assets | $1,095,231,000 | 612 |
| Average earning assets | $995,566,330 | 603 |
| Average equity | $94,302,000 | 728 |
| Average total loans | $737,557,330 | 574 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0464% | 2,876 |
| Cost of funding earning assets | 0.9322% | 4,704 |
| Net interest margin | 4.1142% | 2,216 |
| Noninterest income to average assets | 0.8915% | 1,684 |
| Noninterest expense to average assets | 2.6270% | 5,123 |
| Loan and lease loss provision to assets | 0.3842% | 2,258 |
| Net operating income to assets | 1.6041% | 688 |
| Return on assets (ROA) | 1.6442% | 666 |
| Pretax return on assets | 1.6617% | 1,054 |
| Return on Equity (ROE) | 19.4960% | 365 |
| Retained earnings to average equity (ytd only) | 6.5045% | 2,371 |
| Net charge-offs to loans | 0.3085% | 2,810 |
| Credit loss provision to net charge-offs | 184.5614% | 1,593 |
| Earnings coverage of net charge-offs (x) | 9.6333% | 1,704 |
| Efficiency ratio | 56.7092% | 6,420 |
| Assets per employee ($millions) | 3.6033% | 4,748 |
| Cash dividends to net income (ytd only)* | 66.6371% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 4,901 |
| Loan loss allowance to noncurrent loans | 39.9598% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 2.3077% | 2,939 |
| Noncurrent loans to loans | 3.3792% | 2,218 |
| Net loans and leases to total assets | 64.5802% | 3,337 |
| Net loans and leases to deposits | 73.9218% | 3,772 |
| Net loans and leases to core deposits | 77.6946% | 4,063 |
| Total domestic deposits to total assets | 87.3628% | 2,730 |
| Equity capital to assets | 8.4577% | 5,967 |
| Core capital (leverage) ratio | 8.5002% | 5,452 |
| Tier 1 risk-based capital ratio | 11.1815% | 6,370 |
| Total risk-based capital ratio | 12.3680% | 6,393 |
| Memoranda: | ||
| Average total assets | $1,095,246,500 | 617 |
| Average earning assets | $995,872,500 | 606 |
| Average equity | $92,367,500 | 732 |
| Average total loans | $739,140,000 | 579 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3640% | 2,838 |
| Cost of funding earning assets | 1.2227% | 4,404 |
| Net interest margin | 4.1413% | 2,405 |
| Noninterest income to average assets | 0.9954% | 1,519 |
| Noninterest expense to average assets | 2.6405% | 5,260 |
| Loan and lease loss provision to assets | 0.4164% | 3,610 |
| Net operating income to assets | 1.6840% | 537 |
| Return on assets (ROA) | 1.6763% | 585 |
| Pretax return on assets | 1.6943% | 953 |
| Return on Equity (ROE) | 18.4747% | 347 |
| Retained earnings to average equity (ytd only) | -0.4553% | 5,698 |
| Net charge-offs to loans | 0.5815% | 3,301 |
| Credit loss provision to net charge-offs | 102.5846% | 4,408 |
| Earnings coverage of net charge-offs (x) | 5.2189% | 2,681 |
| Efficiency ratio | 55.4851% | 6,657 |
| Assets per employee ($millions) | 3.4426% | 5,078 |
| Cash dividends to net income (ytd only)* | 102.4647% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 5,394 |
| Loan loss allowance to noncurrent loans | 43.5815% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 2.0777% | 3,250 |
| Noncurrent loans to loans | 2.8103% | 2,716 |
| Net loans and leases to total assets | 68.6839% | 2,817 |
| Net loans and leases to deposits | 78.6621% | 3,399 |
| Net loans and leases to core deposits | 82.9607% | 3,752 |
| Total domestic deposits to total assets | 87.3152% | 2,657 |
| Equity capital to assets | 8.4090% | 5,985 |
| Core capital (leverage) ratio | 8.3578% | 5,598 |
| Tier 1 risk-based capital ratio | 10.6761% | 6,589 |
| Total risk-based capital ratio | 11.7706% | 6,667 |
| Memoranda: | ||
| Average total assets | $1,077,052,800 | 621 |
| Average earning assets | $978,824,000 | 611 |
| Average equity | $97,728,200 | 690 |
| Average total loans | $751,823,600 | 578 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3751% | 2,995 |
| Cost of funding earning assets | 1.2834% | 4,340 |
| Net interest margin | 4.0917% | 2,662 |
| Noninterest income to average assets | 0.9759% | 1,532 |
| Noninterest expense to average assets | 2.6398% | 5,154 |
| Loan and lease loss provision to assets | 0.4756% | 3,091 |
| Net operating income to assets | 1.5627% | 799 |
| Return on assets (ROA) | 1.4375% | 1,114 |
| Pretax return on assets | 1.4525% | 1,743 |
| Return on Equity (ROE) | 15.5540% | 771 |
| Retained earnings to average equity (ytd only) | 2.7971% | 4,476 |
| Net charge-offs to loans | 0.4542% | 3,481 |
| Credit loss provision to net charge-offs | 149.8631% | 2,602 |
| Earnings coverage of net charge-offs (x) | 6.4744% | 2,517 |
| Efficiency ratio | 56.2338% | 6,524 |
| Assets per employee ($millions) | 3.4741% | 5,045 |
| Cash dividends to net income (ytd only)* | 82.0168% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,470 |
| Loan loss allowance to noncurrent loans | 37.9813% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 2.8027% | 2,593 |
| Noncurrent loans to loans | 3.6828% | 2,119 |
| Net loans and leases to total assets | 67.8113% | 3,260 |
| Net loans and leases to deposits | 78.9456% | 3,642 |
| Net loans and leases to core deposits | 83.7209% | 3,991 |
| Total domestic deposits to total assets | 85.8963% | 3,129 |
| Equity capital to assets | 9.3377% | 5,067 |
| Core capital (leverage) ratio | 8.7704% | 5,066 |
| Tier 1 risk-based capital ratio | 11.1611% | 6,232 |
| Total risk-based capital ratio | 12.4131% | 6,227 |
| Memoranda: | ||
| Average total assets | $1,074,347,750 | 620 |
| Average earning assets | $976,324,250 | 611 |
| Average equity | $99,290,500 | 674 |
| Average total loans | $750,664,750 | 580 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 3,001 |
| Cost of funding earning assets | 1.3434% | 4,231 |
| Net interest margin | 4.0503% | 2,787 |
| Noninterest income to average assets | 0.9748% | 1,447 |
| Noninterest expense to average assets | 2.5873% | 5,368 |
| Loan and lease loss provision to assets | 0.5728% | 2,484 |
| Net operating income to assets | 1.4859% | 937 |
| Return on assets (ROA) | 1.3953% | 1,167 |
| Pretax return on assets | 1.4099% | 1,813 |
| Return on Equity (ROE) | 15.1506% | 830 |
| Retained earnings to average equity (ytd only) | 1.9726% | 4,880 |
| Net charge-offs to loans | 0.5638% | 2,845 |
| Credit loss provision to net charge-offs | 144.6488% | 2,747 |
| Earnings coverage of net charge-offs (x) | 5.2376% | 2,715 |
| Efficiency ratio | 55.5035% | 6,701 |
| Assets per employee ($millions) | 3.4076% | 5,168 |
| Cash dividends to net income (ytd only)* | 86.9798% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 4,639 |
| Loan loss allowance to noncurrent loans | 45.3338% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 2.4684% | 2,913 |
| Noncurrent loans to loans | 2.9940% | 2,681 |
| Net loans and leases to total assets | 69.2553% | 3,073 |
| Net loans and leases to deposits | 80.6857% | 3,486 |
| Net loans and leases to core deposits | 86.2929% | 3,787 |
| Total domestic deposits to total assets | 85.8334% | 3,187 |
| Equity capital to assets | 9.4483% | 4,784 |
| Core capital (leverage) ratio | 8.5954% | 5,242 |
| Tier 1 risk-based capital ratio | 10.9559% | 6,286 |
| Total risk-based capital ratio | 12.1622% | 6,318 |
| Memoranda: | ||
| Average total assets | $1,071,156,670 | 617 |
| Average earning assets | $974,987,670 | 610 |
| Average equity | $98,649,670 | 667 |
| Average total loans | $752,403,670 | 578 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3006% | 3,546 |
| Cost of funding earning assets | 1.4048% | 4,141 |
| Net interest margin | 3.8958% | 3,349 |
| Noninterest income to average assets | 0.9056% | 1,603 |
| Noninterest expense to average assets | 2.5697% | 5,480 |
| Loan and lease loss provision to assets | 0.5041% | 2,482 |
| Net operating income to assets | 1.3623% | 1,159 |
| Return on assets (ROA) | 1.2314% | 1,537 |
| Pretax return on assets | 1.2444% | 2,223 |
| Return on Equity (ROE) | 13.5431% | 1,135 |
| Retained earnings to average equity (ytd only) | 1.2869% | 5,295 |
| Net charge-offs to loans | 0.1565% | 3,986 |
| Credit loss provision to net charge-offs | 458.4459% | 921 |
| Earnings coverage of net charge-offs (x) | 17.1047% | 1,303 |
| Efficiency ratio | 57.7414% | 6,522 |
| Assets per employee ($millions) | 3.4891% | 5,053 |
| Cash dividends to net income (ytd only)* | 90.4977% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 4,545 |
| Loan loss allowance to noncurrent loans | 46.2923% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 2.4640% | 2,945 |
| Noncurrent loans to loans | 2.9702% | 2,705 |
| Net loans and leases to total assets | 67.7279% | 3,457 |
| Net loans and leases to deposits | 78.6024% | 3,924 |
| Net loans and leases to core deposits | 84.9868% | 4,055 |
| Total domestic deposits to total assets | 86.1651% | 3,055 |
| Equity capital to assets | 9.0939% | 5,147 |
| Core capital (leverage) ratio | 8.5576% | 5,282 |
| Tier 1 risk-based capital ratio | 10.8565% | 6,286 |
| Total risk-based capital ratio | 12.0733% | 6,304 |
| Memoranda: | ||
| Average total assets | $1,076,849,000 | 629 |
| Average earning assets | $979,814,500 | 623 |
| Average equity | $97,909,500 | 679 |
| Average total loans | $756,582,000 | 597 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6889% | 3,162 |
| Cost of funding earning assets | 1.6707% | 4,668 |
| Net interest margin | 4.0182% | 2,796 |
| Noninterest income to average assets | 0.9302% | 1,834 |
| Noninterest expense to average assets | 2.6489% | 5,600 |
| Loan and lease loss provision to assets | 0.3723% | 4,546 |
| Net operating income to assets | 1.5532% | 608 |
| Return on assets (ROA) | 1.3384% | 1,006 |
| Pretax return on assets | 1.3546% | 1,546 |
| Return on Equity (ROE) | 15.5625% | 598 |
| Retained earnings to average equity (ytd only) | 6.2952% | 1,230 |
| Net charge-offs to loans | 0.5458% | 3,601 |
| Credit loss provision to net charge-offs | 94.1888% | 5,841 |
| Earnings coverage of net charge-offs (x) | 4.9175% | 2,755 |
| Efficiency ratio | 56.6208% | 6,943 |
| Assets per employee ($millions) | 3.5035% | 4,994 |
| Cash dividends to net income (ytd only)* | 59.5488% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 5,429 |
| Loan loss allowance to noncurrent loans | 41.3949% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 2.2035% | 3,121 |
| Noncurrent loans to loans | 2.8699% | 2,688 |
| Net loans and leases to total assets | 71.0061% | 2,999 |
| Net loans and leases to deposits | 81.8293% | 3,646 |
| Net loans and leases to core deposits | 100.0468% | 3,996 |
| Total domestic deposits to total assets | 86.7735% | 2,623 |
| Equity capital to assets | 9.0906% | 4,999 |
| Core capital (leverage) ratio | 8.5336% | 5,230 |
| Tier 1 risk-based capital ratio | 10.4095% | 6,489 |
| Total risk-based capital ratio | 11.4586% | 6,644 |
| Memoranda: | ||
| Average total assets | $1,066,491,600 | 632 |
| Average earning assets | $972,100,800 | 617 |
| Average equity | $91,720,400 | 707 |
| Average total loans | $772,396,600 | 597 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6895% | 3,395 |
| Cost of funding earning assets | 1.7126% | 4,834 |
| Net interest margin | 3.9769% | 2,907 |
| Noninterest income to average assets | 0.9480% | 1,786 |
| Noninterest expense to average assets | 2.6949% | 5,352 |
| Loan and lease loss provision to assets | 0.3720% | 4,098 |
| Net operating income to assets | 1.4920% | 829 |
| Return on assets (ROA) | 1.4438% | 993 |
| Pretax return on assets | 1.4622% | 1,512 |
| Return on Equity (ROE) | 17.0328% | 547 |
| Retained earnings to average equity (ytd only) | 4.4804% | 2,770 |
| Net charge-offs to loans | 0.4025% | 3,645 |
| Credit loss provision to net charge-offs | 127.3896% | 3,945 |
| Earnings coverage of net charge-offs (x) | 6.4475% | 2,605 |
| Efficiency ratio | 57.4569% | 6,797 |
| Assets per employee ($millions) | 3.3274% | 5,313 |
| Cash dividends to net income (ytd only)* | 73.6952% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 4,384 |
| Loan loss allowance to noncurrent loans | 48.5394% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.1037% | 3,210 |
| Noncurrent loans to loans | 2.7172% | 2,785 |
| Net loans and leases to total assets | 70.9649% | 3,278 |
| Net loans and leases to deposits | 81.8788% | 4,050 |
| Net loans and leases to core deposits | 99.1739% | 4,463 |
| Total domestic deposits to total assets | 86.6707% | 2,341 |
| Equity capital to assets | 8.8966% | 5,639 |
| Core capital (leverage) ratio | 8.3481% | 5,754 |
| Tier 1 risk-based capital ratio | 10.2199% | 6,763 |
| Total risk-based capital ratio | 11.3846% | 6,793 |
| Memoranda: | ||
| Average total assets | $1,065,097,500 | 643 |
| Average earning assets | $972,159,000 | 633 |
| Average equity | $90,286,250 | 724 |
| Average total loans | $772,899,250 | 608 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7227% | 3,420 |
| Cost of funding earning assets | 1.7493% | 5,018 |
| Net interest margin | 3.9734% | 2,820 |
| Noninterest income to average assets | 0.9544% | 1,742 |
| Noninterest expense to average assets | 2.7537% | 5,162 |
| Loan and lease loss provision to assets | 0.3704% | 3,702 |
| Net operating income to assets | 1.4339% | 952 |
| Return on assets (ROA) | 1.4530% | 988 |
| Pretax return on assets | 1.4734% | 1,517 |
| Return on Equity (ROE) | 17.4264% | 538 |
| Retained earnings to average equity (ytd only) | 1.6966% | 4,397 |
| Net charge-offs to loans | 0.3329% | 3,511 |
| Credit loss provision to net charge-offs | 152.9002% | 3,008 |
| Earnings coverage of net charge-offs (x) | 7.5313% | 2,432 |
| Efficiency ratio | 58.0356% | 6,862 |
| Assets per employee ($millions) | 3.3408% | 5,210 |
| Cash dividends to net income (ytd only)* | 90.2643% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 4,114 |
| Loan loss allowance to noncurrent loans | 50.1917% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.9843% | 3,217 |
| Noncurrent loans to loans | 2.6432% | 2,739 |
| Net loans and leases to total assets | 71.4762% | 3,355 |
| Net loans and leases to deposits | 81.7842% | 4,259 |
| Net loans and leases to core deposits | 98.1004% | 4,690 |
| Total domestic deposits to total assets | 87.3961% | 2,054 |
| Equity capital to assets | 8.3373% | 6,280 |
| Core capital (leverage) ratio | 8.2386% | 5,906 |
| Tier 1 risk-based capital ratio | 9.9688% | 6,961 |
| Total risk-based capital ratio | 11.1392% | 6,978 |
| Memoranda: | ||
| Average total assets | $1,067,427,000 | 654 |
| Average earning assets | $973,527,330 | 646 |
| Average equity | $89,003,000 | 742 |
| Average total loans | $776,891,670 | 629 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7760% | 3,414 |
| Cost of funding earning assets | 1.7909% | 5,158 |
| Net interest margin | 3.9852% | 2,705 |
| Noninterest income to average assets | 0.9106% | 1,811 |
| Noninterest expense to average assets | 2.6111% | 5,413 |
| Loan and lease loss provision to assets | 0.3674% | 3,118 |
| Net operating income to assets | 1.5395% | 870 |
| Return on assets (ROA) | 1.5337% | 957 |
| Pretax return on assets | 1.5597% | 1,512 |
| Return on Equity (ROE) | 18.3926% | 564 |
| Retained earnings to average equity (ytd only) | 2.7981% | 4,324 |
| Net charge-offs to loans | 0.1151% | 4,046 |
| Credit loss provision to net charge-offs | 437.6106% | 1,205 |
| Earnings coverage of net charge-offs (x) | 23.0221% | 1,292 |
| Efficiency ratio | 55.3512% | 7,062 |
| Assets per employee ($millions) | 3.3298% | 5,252 |
| Cash dividends to net income (ytd only)* | 84.7868% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,015 |
| Loan loss allowance to noncurrent loans | 50.5196% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.9705% | 2,949 |
| Noncurrent loans to loans | 2.5943% | 2,543 |
| Net loans and leases to total assets | 72.7079% | 3,072 |
| Net loans and leases to deposits | 82.9930% | 4,135 |
| Net loans and leases to core deposits | 101.9425% | 4,353 |
| Total domestic deposits to total assets | 87.6073% | 1,918 |
| Equity capital to assets | 8.3883% | 6,253 |
| Core capital (leverage) ratio | 7.9657% | 6,521 |
| Tier 1 risk-based capital ratio | 9.7938% | 7,148 |
| Total risk-based capital ratio | 10.9582% | 7,156 |
| Memoranda: | ||
| Average total assets | $1,076,636,500 | 643 |
| Average earning assets | $981,642,500 | 638 |
| Average equity | $89,775,000 | 737 |
| Average total loans | $785,401,500 | 629 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1029% | 5,026 |
| Cost of funding earning assets | 2.2842% | 5,231 |
| Net interest margin | 3.8186% | 3,945 |
| Noninterest income to average assets | 0.8728% | 2,091 |
| Noninterest expense to average assets | 2.4478% | 6,218 |
| Loan and lease loss provision to assets | 0.1493% | 5,446 |
| Net operating income to assets | 1.7253% | 642 |
| Return on assets (ROA) | 1.7253% | 616 |
| Pretax return on assets | 1.7400% | 1,065 |
| Return on Equity (ROE) | 20.5164% | 336 |
| Retained earnings to average equity (ytd only) | 3.4127% | 3,019 |
| Net charge-offs to loans | 0.1907% | 4,277 |
| Credit loss provision to net charge-offs | 110.1132% | 4,898 |
| Earnings coverage of net charge-offs (x) | 13.9349% | 2,091 |
| Efficiency ratio | 54.1861% | 7,251 |
| Assets per employee ($millions) | 3.5065% | 4,639 |
| Cash dividends to net income (ytd only)* | 83.3658% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 4,695 |
| Loan loss allowance to noncurrent loans | 72.7998% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.2118% | 3,818 |
| Noncurrent loans to loans | 1.6224% | 3,333 |
| Net loans and leases to total assets | 71.4042% | 3,705 |
| Net loans and leases to deposits | 87.7626% | 3,838 |
| Net loans and leases to core deposits | 108.0935% | 3,957 |
| Total domestic deposits to total assets | 81.3607% | 4,479 |
| Equity capital to assets | 8.2909% | 6,435 |
| Core capital (leverage) ratio | 8.0360% | 6,428 |
| Tier 1 risk-based capital ratio | 9.9040% | 6,844 |
| Total risk-based capital ratio | 11.0043% | 6,911 |
| Memoranda: | ||
| Average total assets | $1,042,915,400 | 634 |
| Average earning assets | $946,147,200 | 634 |
| Average equity | $87,700,600 | 758 |
| Average total loans | $741,290,000 | 649 |