Home > Bar Harbor Bank & Trust > Performance and Condition Ratios
Bar Harbor Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9030% | 2,267 |
| Cost of funding earning assets | 1.4823% | 1,984 |
| Net interest margin | 3.4207% | 2,360 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.2212% | 3,071 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2932% | 1,447 |
| Return on assets (ROA) | 1.2938% | 1,417 |
| Pretax return on assets | 1.6536% | 1,145 |
| Return on Equity (ROE) | 11.0800% | 2,203 |
| Retained earnings to average equity (ytd only) | 6.0748% | 2,213 |
| Net charge-offs to loans | 0.0211% | 1,920 |
| Credit loss provision to net charge-offs | 464.5367% | 713 |
| Earnings coverage of net charge-offs (x) | 109.0911% | 863 |
| Efficiency ratio | 55.7744% | 3,521 |
| Assets per employee ($millions) | 8.6445% | 1,132 |
| Cash dividends to net income (ytd only)* | 45.1816% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 3,575 |
| Loan loss allowance to noncurrent loans | 496.3316% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 2,567 |
| Noncurrent loans to loans | 0.1889% | 2,568 |
| Net loans and leases to total assets | 74.9300% | 1,254 |
| Net loans and leases to deposits | 94.4132% | 910 |
| Net loans and leases to core deposits | 107.1178% | 1,065 |
| Total domestic deposits to total assets | 79.3600% | 3,555 |
| Equity capital to assets | 12.1970% | 1,066 |
| Core capital (leverage) ratio | 10.5014% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9732% | 1,875 |
| Memoranda: | ||
| Average total assets | $3,961,158,400 | 320 |
| Average earning assets | $3,545,477,200 | 323 |
| Average equity | $462,486,600 | 284 |
| Average total loans | $2,970,870,600 | 302 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 2,218 |
| Cost of funding earning assets | 1.3758% | 1,932 |
| Net interest margin | 3.4471% | 2,345 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 2.2133% | 3,046 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3220% | 1,493 |
| Return on assets (ROA) | 1.3229% | 1,472 |
| Pretax return on assets | 1.6929% | 1,169 |
| Return on Equity (ROE) | 11.4600% | 2,265 |
| Retained earnings to average equity (ytd only) | 6.4022% | 2,496 |
| Net charge-offs to loans | 0.0031% | 2,409 |
| Credit loss provision to net charge-offs | 3,172.8571% | 150 |
| Earnings coverage of net charge-offs (x) | 748.2143% | 212 |
| Efficiency ratio | 55.1303% | 3,476 |
| Assets per employee ($millions) | 8.5609% | 1,095 |
| Cash dividends to net income (ytd only)* | 44.1263% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 3,612 |
| Loan loss allowance to noncurrent loans | 362.4612% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 2,297 |
| Noncurrent loans to loans | 0.2580% | 2,312 |
| Net loans and leases to total assets | 74.5300% | 1,292 |
| Net loans and leases to deposits | 94.2324% | 876 |
| Net loans and leases to core deposits | 105.9254% | 1,020 |
| Total domestic deposits to total assets | 79.0900% | 3,678 |
| Equity capital to assets | 11.4602% | 1,193 |
| Core capital (leverage) ratio | 10.2517% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6016% | 2,040 |
| Memoranda: | ||
| Average total assets | $3,959,496,000 | 322 |
| Average earning assets | $3,541,757,750 | 329 |
| Average equity | $457,119,750 | 287 |
| Average total loans | $2,963,278,750 | 305 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 2,209 |
| Cost of funding earning assets | 1.2225% | 1,920 |
| Net interest margin | 3.4760% | 2,328 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.2297% | 2,993 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3453% | 1,463 |
| Return on assets (ROA) | 1.3467% | 1,451 |
| Pretax return on assets | 1.7156% | 1,176 |
| Return on Equity (ROE) | 11.6400% | 2,262 |
| Retained earnings to average equity (ytd only) | 6.7487% | 2,368 |
| Net charge-offs to loans | 0.0031% | 2,219 |
| Credit loss provision to net charge-offs | 3,365.2174% | 155 |
| Earnings coverage of net charge-offs (x) | 767.1087% | 196 |
| Efficiency ratio | 55.0113% | 3,531 |
| Assets per employee ($millions) | 8.4199% | 1,133 |
| Cash dividends to net income (ytd only)* | 42.0020% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 3,754 |
| Loan loss allowance to noncurrent loans | 376.2651% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 2,292 |
| Noncurrent loans to loans | 0.2415% | 2,291 |
| Net loans and leases to total assets | 74.1400% | 1,272 |
| Net loans and leases to deposits | 96.3350% | 714 |
| Net loans and leases to core deposits | 108.0706% | 905 |
| Total domestic deposits to total assets | 76.9600% | 3,955 |
| Equity capital to assets | 11.5170% | 1,199 |
| Core capital (leverage) ratio | 10.2399% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2942% | 2,177 |
| Memoranda: | ||
| Average total assets | $3,952,389,667 | 313 |
| Average earning assets | $3,536,108,333 | 317 |
| Average equity | $457,423,333 | 277 |
| Average total loans | $2,952,769,333 | 294 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 2,092 |
| Cost of funding earning assets | 0.9676% | 2,163 |
| Net interest margin | 3.6283% | 2,061 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 2.2387% | 2,992 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.4587% | 1,268 |
| Return on assets (ROA) | 1.4614% | 1,230 |
| Pretax return on assets | 1.8678% | 954 |
| Return on Equity (ROE) | 12.6000% | 2,079 |
| Retained earnings to average equity (ytd only) | 7.8544% | 2,263 |
| Net charge-offs to loans | 0.0070% | 1,687 |
| Credit loss provision to net charge-offs | 1,564.7059% | 249 |
| Earnings coverage of net charge-offs (x) | 370.1176% | 303 |
| Efficiency ratio | 53.2235% | 3,684 |
| Assets per employee ($millions) | 7.9949% | 1,346 |
| Cash dividends to net income (ytd only)* | 37.6433% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 3,844 |
| Loan loss allowance to noncurrent loans | 335.3964% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 2,126 |
| Noncurrent loans to loans | 0.2694% | 2,181 |
| Net loans and leases to total assets | 74.3300% | 1,160 |
| Net loans and leases to deposits | 95.3109% | 694 |
| Net loans and leases to core deposits | 99.4869% | 1,115 |
| Total domestic deposits to total assets | 77.9900% | 4,010 |
| Equity capital to assets | 11.7546% | 1,071 |
| Core capital (leverage) ratio | 10.1821% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4223% | 2,209 |
| Memoranda: | ||
| Average total assets | $3,916,227,500 | 325 |
| Average earning assets | $3,504,517,000 | 327 |
| Average equity | $454,371,500 | 283 |
| Average total loans | $2,923,579,500 | 303 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 2,421 |
| Cost of funding earning assets | 0.2841% | 3,006 |
| Net interest margin | 3.4584% | 2,071 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 2.2426% | 2,917 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2993% | 1,429 |
| Return on assets (ROA) | 1.3005% | 1,388 |
| Pretax return on assets | 1.6452% | 1,044 |
| Return on Equity (ROE) | 10.7900% | 2,548 |
| Retained earnings to average equity (ytd only) | 6.2395% | 2,554 |
| Net charge-offs to loans | -0.0087% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.3807% | 3,643 |
| Assets per employee ($millions) | 8.0225% | 1,312 |
| Cash dividends to net income (ytd only)* | 42.1789% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 3,808 |
| Loan loss allowance to noncurrent loans | 382.3182% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 2,338 |
| Noncurrent loans to loans | 0.2330% | 2,341 |
| Net loans and leases to total assets | 73.6300% | 1,259 |
| Net loans and leases to deposits | 94.2970% | 762 |
| Net loans and leases to core deposits | 96.2087% | 1,196 |
| Total domestic deposits to total assets | 78.0900% | 4,082 |
| Equity capital to assets | 11.4493% | 1,101 |
| Core capital (leverage) ratio | 10.0969% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2912% | 2,242 |
| Memoranda: | ||
| Average total assets | $3,770,530,800 | 329 |
| Average earning assets | $3,376,786,800 | 323 |
| Average equity | $454,396,400 | 281 |
| Average total loans | $2,735,937,800 | 299 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 2,575 |
| Cost of funding earning assets | 0.2105% | 3,141 |
| Net interest margin | 3.3038% | 2,283 |
| Noninterest income to average assets | 0.9400% | 760 |
| Noninterest expense to average assets | 2.2606% | 2,754 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2306% | 1,588 |
| Return on assets (ROA) | 1.2321% | 1,560 |
| Pretax return on assets | 1.5541% | 1,252 |
| Return on Equity (ROE) | 10.0900% | 2,695 |
| Retained earnings to average equity (ytd only) | 5.6858% | 2,862 |
| Net charge-offs to loans | -0.0041% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.3383% | 3,462 |
| Assets per employee ($millions) | 7.8153% | 1,421 |
| Cash dividends to net income (ytd only)* | 43.6586% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 3,923 |
| Loan loss allowance to noncurrent loans | 311.5567% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 2,211 |
| Noncurrent loans to loans | 0.2816% | 2,247 |
| Net loans and leases to total assets | 73.6500% | 1,128 |
| Net loans and leases to deposits | 89.9169% | 892 |
| Net loans and leases to core deposits | 91.8566% | 1,191 |
| Total domestic deposits to total assets | 81.9100% | 3,852 |
| Equity capital to assets | 11.3224% | 1,063 |
| Core capital (leverage) ratio | 10.0453% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2170% | 2,386 |
| Memoranda: | ||
| Average total assets | $3,736,427,750 | 330 |
| Average earning assets | $3,348,703,750 | 327 |
| Average equity | $456,166,500 | 284 |
| Average total loans | $2,694,249,750 | 299 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3208% | 2,672 |
| Cost of funding earning assets | 0.1778% | 3,206 |
| Net interest margin | 3.1430% | 2,392 |
| Noninterest income to average assets | 0.9654% | 722 |
| Noninterest expense to average assets | 2.2556% | 2,687 |
| Loan and lease loss provision to assets | 0.0692% | 1,377 |
| Net operating income to assets | 1.1632% | 1,563 |
| Return on assets (ROA) | 1.1636% | 1,536 |
| Pretax return on assets | 1.4648% | 1,269 |
| Return on Equity (ROE) | 9.2979% | 2,597 |
| Retained earnings to average equity (ytd only) | 5.1602% | 2,648 |
| Net charge-offs to loans | -0.0096% | 3,581 |
| Credit loss provision to net charge-offs | -717.3228% | 3,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9397% | 3,441 |
| Assets per employee ($millions) | 7.6083% | 1,544 |
| Cash dividends to net income (ytd only)* | 44.5017% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 4,031 |
| Loan loss allowance to noncurrent loans | 276.3290% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 2,160 |
| Noncurrent loans to loans | 0.3148% | 2,217 |
| Net loans and leases to total assets | 72.9108% | 1,018 |
| Net loans and leases to deposits | 87.7314% | 854 |
| Net loans and leases to core deposits | 89.8049% | 1,130 |
| Total domestic deposits to total assets | 83.1068% | 3,863 |
| Equity capital to assets | 12.0823% | 851 |
| Core capital (leverage) ratio | 10.1155% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5693% | 2,265 |
| Memoranda: | ||
| Average total assets | $3,702,805,333 | 325 |
| Average earning assets | $3,326,681,333 | 329 |
| Average equity | $463,397,333 | 280 |
| Average total loans | $2,641,884,333 | 297 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1820% | 2,741 |
| Cost of funding earning assets | 0.1752% | 3,154 |
| Net interest margin | 3.0067% | 2,477 |
| Noninterest income to average assets | 0.9812% | 703 |
| Noninterest expense to average assets | 2.2156% | 2,799 |
| Loan and lease loss provision to assets | 0.0760% | 1,080 |
| Net operating income to assets | 1.1155% | 1,489 |
| Return on assets (ROA) | 1.1162% | 1,481 |
| Pretax return on assets | 1.3985% | 1,261 |
| Return on Equity (ROE) | 8.7673% | 2,407 |
| Retained earnings to average equity (ytd only) | 4.6092% | 2,734 |
| Net charge-offs to loans | -0.0146% | 3,752 |
| Credit loss provision to net charge-offs | -396.8421% | 3,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4534% | 3,542 |
| Assets per employee ($millions) | 7.4980% | 1,686 |
| Cash dividends to net income (ytd only)* | 47.4271% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,110 |
| Loan loss allowance to noncurrent loans | 230.6086% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 2,041 |
| Noncurrent loans to loans | 0.3784% | 2,134 |
| Net loans and leases to total assets | 71.4075% | 885 |
| Net loans and leases to deposits | 86.2085% | 718 |
| Net loans and leases to core deposits | 88.4477% | 996 |
| Total domestic deposits to total assets | 82.8311% | 3,964 |
| Equity capital to assets | 12.5151% | 802 |
| Core capital (leverage) ratio | 9.9409% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6896% | 2,350 |
| Memoranda: | ||
| Average total assets | $3,697,790,000 | 330 |
| Average earning assets | $3,330,249,000 | 332 |
| Average equity | $470,797,500 | 283 |
| Average total loans | $2,597,420,000 | 300 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3260% | 3,129 |
| Cost of funding earning assets | 0.3700% | 1,755 |
| Net interest margin | 2.9561% | 3,300 |
| Noninterest income to average assets | 1.0394% | 929 |
| Noninterest expense to average assets | 2.2933% | 2,816 |
| Loan and lease loss provision to assets | -0.0303% | 4,276 |
| Net operating income to assets | 1.1496% | 2,112 |
| Return on assets (ROA) | 1.2115% | 1,935 |
| Pretax return on assets | 1.5102% | 1,687 |
| Return on Equity (ROE) | 9.5565% | 2,701 |
| Retained earnings to average equity (ytd only) | 6.2458% | 2,252 |
| Net charge-offs to loans | 0.0114% | 2,135 |
| Credit loss provision to net charge-offs | -447.0790% | 3,735 |
| Earnings coverage of net charge-offs (x) | 178.6323% | 582 |
| Efficiency ratio | 61.4464% | 2,942 |
| Assets per employee ($millions) | 8.8252% | 977 |
| Cash dividends to net income (ytd only)* | 34.6435% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 4,073 |
| Loan loss allowance to noncurrent loans | 220.0077% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 2,151 |
| Noncurrent loans to loans | 0.4069% | 2,139 |
| Net loans and leases to total assets | 67.8445% | 1,286 |
| Net loans and leases to deposits | 82.4187% | 1,023 |
| Net loans and leases to core deposits | 84.6790% | 1,284 |
| Total domestic deposits to total assets | 82.3169% | 3,917 |
| Equity capital to assets | 12.9476% | 915 |
| Core capital (leverage) ratio | 9.6219% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1402% | 2,189 |
| Memoranda: | ||
| Average total assets | $3,706,568,600 | 319 |
| Average earning assets | $3,330,808,600 | 322 |
| Average equity | $469,900,200 | 281 |
| Average total loans | $2,550,136,000 | 298 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 3,169 |
| Cost of funding earning assets | 0.4153% | 1,581 |
| Net interest margin | 2.9627% | 3,414 |
| Noninterest income to average assets | 1.0416% | 996 |
| Noninterest expense to average assets | 2.3037% | 2,746 |
| Loan and lease loss provision to assets | -0.0432% | 4,435 |
| Net operating income to assets | 1.1506% | 2,364 |
| Return on assets (ROA) | 1.2076% | 2,200 |
| Pretax return on assets | 1.5107% | 1,970 |
| Return on Equity (ROE) | 9.5655% | 2,903 |
| Retained earnings to average equity (ytd only) | 6.5441% | 2,601 |
| Net charge-offs to loans | 0.0227% | 1,591 |
| Credit loss provision to net charge-offs | -328.0460% | 3,518 |
| Earnings coverage of net charge-offs (x) | 89.2391% | 928 |
| Efficiency ratio | 61.6546% | 2,749 |
| Assets per employee ($millions) | 8.7690% | 968 |
| Cash dividends to net income (ytd only)* | 31.5858% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 4,196 |
| Loan loss allowance to noncurrent loans | 175.0058% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 2,067 |
| Noncurrent loans to loans | 0.5047% | 2,047 |
| Net loans and leases to total assets | 67.4381% | 1,382 |
| Net loans and leases to deposits | 83.5562% | 995 |
| Net loans and leases to core deposits | 86.2541% | 1,274 |
| Total domestic deposits to total assets | 80.7099% | 4,129 |
| Equity capital to assets | 12.6952% | 1,095 |
| Core capital (leverage) ratio | 9.5048% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9329% | 2,390 |
| Memoranda: | ||
| Average total assets | $3,706,756,250 | 318 |
| Average earning assets | $3,326,030,750 | 324 |
| Average equity | $467,950,250 | 284 |
| Average total loans | $2,553,311,500 | 298 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3423% | 3,330 |
| Cost of funding earning assets | 0.4672% | 1,404 |
| Net interest margin | 2.8751% | 3,632 |
| Noninterest income to average assets | 1.0556% | 984 |
| Noninterest expense to average assets | 2.2671% | 2,858 |
| Loan and lease loss provision to assets | -0.0708% | 4,567 |
| Net operating income to assets | 1.1479% | 2,378 |
| Return on assets (ROA) | 1.1500% | 2,424 |
| Pretax return on assets | 1.4379% | 2,219 |
| Return on Equity (ROE) | 9.1269% | 3,057 |
| Retained earnings to average equity (ytd only) | 6.7966% | 2,503 |
| Net charge-offs to loans | 0.0188% | 1,564 |
| Credit loss provision to net charge-offs | -520.3320% | 3,476 |
| Earnings coverage of net charge-offs (x) | 104.6598% | 729 |
| Efficiency ratio | 61.8036% | 2,756 |
| Assets per employee ($millions) | 7.9429% | 1,238 |
| Cash dividends to net income (ytd only)* | 25.5327% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 4,145 |
| Loan loss allowance to noncurrent loans | 162.3612% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 2,062 |
| Noncurrent loans to loans | 0.5568% | 2,006 |
| Net loans and leases to total assets | 68.7410% | 1,359 |
| Net loans and leases to deposits | 88.3788% | 754 |
| Net loans and leases to core deposits | 91.2540% | 1,052 |
| Total domestic deposits to total assets | 77.7800% | 4,453 |
| Equity capital to assets | 12.9723% | 956 |
| Core capital (leverage) ratio | 9.3368% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7759% | 2,445 |
| Memoranda: | ||
| Average total assets | $3,697,145,000 | 317 |
| Average earning assets | $3,312,470,000 | 321 |
| Average equity | $465,853,333 | 283 |
| Average total loans | $2,557,195,667 | 299 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 3,276 |
| Cost of funding earning assets | 0.4828% | 1,494 |
| Net interest margin | 2.8907% | 3,550 |
| Noninterest income to average assets | 1.0946% | 989 |
| Noninterest expense to average assets | 2.3051% | 2,769 |
| Loan and lease loss provision to assets | -0.0692% | 4,682 |
| Net operating income to assets | 1.1684% | 2,270 |
| Return on assets (ROA) | 1.1684% | 2,339 |
| Pretax return on assets | 1.4503% | 2,137 |
| Return on Equity (ROE) | 9.4083% | 2,889 |
| Retained earnings to average equity (ytd only) | 7.9097% | 2,271 |
| Net charge-offs to loans | 0.0260% | 1,239 |
| Credit loss provision to net charge-offs | -292.8144% | 3,044 |
| Earnings coverage of net charge-offs (x) | 77.0479% | 719 |
| Efficiency ratio | 61.9118% | 2,773 |
| Assets per employee ($millions) | 8.1414% | 1,132 |
| Cash dividends to net income (ytd only)* | 15.9287% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 4,092 |
| Loan loss allowance to noncurrent loans | 165.8812% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 2,269 |
| Noncurrent loans to loans | 0.5567% | 2,189 |
| Net loans and leases to total assets | 68.0538% | 1,524 |
| Net loans and leases to deposits | 86.8756% | 895 |
| Net loans and leases to core deposits | 94.8615% | 931 |
| Total domestic deposits to total assets | 78.3347% | 4,407 |
| Equity capital to assets | 12.3635% | 1,126 |
| Core capital (leverage) ratio | 9.2310% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6204% | 2,439 |
| Memoranda: | ||
| Average total assets | $3,726,798,000 | 314 |
| Average earning assets | $3,341,245,500 | 316 |
| Average equity | $462,824,000 | 282 |
| Average total loans | $2,574,042,500 | 298 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7597% | 3,414 |
| Cost of funding earning assets | 0.7172% | 1,634 |
| Net interest margin | 3.0425% | 3,776 |
| Noninterest income to average assets | 0.9872% | 1,067 |
| Noninterest expense to average assets | 2.4237% | 3,077 |
| Loan and lease loss provision to assets | 0.1504% | 2,493 |
| Net operating income to assets | 0.9058% | 2,668 |
| Return on assets (ROA) | 1.0209% | 2,353 |
| Pretax return on assets | 1.2868% | 2,024 |
| Return on Equity (ROE) | 8.5297% | 2,583 |
| Retained earnings to average equity (ytd only) | 6.7371% | 1,493 |
| Net charge-offs to loans | 0.0713% | 1,774 |
| Credit loss provision to net charge-offs | 296.6772% | 1,751 |
| Earnings coverage of net charge-offs (x) | 25.4778% | 1,741 |
| Efficiency ratio | 64.5760% | 2,731 |
| Assets per employee ($millions) | 7.1770% | 1,459 |
| Cash dividends to net income (ytd only)* | 21.0162% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 4,526 |
| Loan loss allowance to noncurrent loans | 154.9996% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 2,671 |
| Noncurrent loans to loans | 0.4759% | 2,546 |
| Net loans and leases to total assets | 68.9369% | 1,703 |
| Net loans and leases to deposits | 88.0281% | 1,088 |
| Net loans and leases to core deposits | 98.3855% | 992 |
| Total domestic deposits to total assets | 78.3124% | 4,285 |
| Equity capital to assets | 12.4742% | 1,341 |
| Core capital (leverage) ratio | 9.0190% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2659% | 2,528 |
| Memoranda: | ||
| Average total assets | $3,739,998,200 | 300 |
| Average earning assets | $3,353,494,000 | 298 |
| Average equity | $447,613,800 | 277 |
| Average total loans | $2,660,211,000 | 287 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7869% | 3,602 |
| Cost of funding earning assets | 0.7706% | 1,632 |
| Net interest margin | 3.0163% | 3,938 |
| Noninterest income to average assets | 0.9296% | 1,156 |
| Noninterest expense to average assets | 2.2866% | 3,455 |
| Loan and lease loss provision to assets | 0.1519% | 2,493 |
| Net operating income to assets | 0.9520% | 2,512 |
| Return on assets (ROA) | 0.9943% | 2,490 |
| Pretax return on assets | 1.2497% | 2,224 |
| Return on Equity (ROE) | 8.3961% | 2,648 |
| Retained earnings to average equity (ytd only) | 7.4731% | 1,505 |
| Net charge-offs to loans | 0.0852% | 1,461 |
| Credit loss provision to net charge-offs | 249.2694% | 1,929 |
| Earnings coverage of net charge-offs (x) | 22.1333% | 1,838 |
| Efficiency ratio | 62.2275% | 3,031 |
| Assets per employee ($millions) | 8.4215% | 872 |
| Cash dividends to net income (ytd only)* | 10.9925% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 4,641 |
| Loan loss allowance to noncurrent loans | 105.6523% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 2,236 |
| Noncurrent loans to loans | 0.6257% | 2,232 |
| Net loans and leases to total assets | 69.7626% | 1,991 |
| Net loans and leases to deposits | 91.4413% | 1,117 |
| Net loans and leases to core deposits | 107.0804% | 803 |
| Total domestic deposits to total assets | 76.2922% | 4,396 |
| Equity capital to assets | 11.8640% | 1,762 |
| Core capital (leverage) ratio | 9.0578% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0280% | 2,601 |
| Memoranda: | ||
| Average total assets | $3,743,787,250 | 298 |
| Average earning assets | $3,358,368,000 | 295 |
| Average equity | $443,356,000 | 279 |
| Average total loans | $2,678,545,500 | 286 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 3,588 |
| Cost of funding earning assets | 0.8615% | 1,536 |
| Net interest margin | 3.0482% | 4,020 |
| Noninterest income to average assets | 0.8851% | 1,206 |
| Noninterest expense to average assets | 2.3142% | 3,479 |
| Loan and lease loss provision to assets | 0.1330% | 2,683 |
| Net operating income to assets | 0.9320% | 2,573 |
| Return on assets (ROA) | 0.9961% | 2,469 |
| Pretax return on assets | 1.2495% | 2,185 |
| Return on Equity (ROE) | 8.4166% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.4166% | 1,188 |
| Net charge-offs to loans | 0.0982% | 1,287 |
| Credit loss provision to net charge-offs | 188.1679% | 1,961 |
| Earnings coverage of net charge-offs (x) | 18.4214% | 1,768 |
| Efficiency ratio | 63.3062% | 2,913 |
| Assets per employee ($millions) | 7.7572% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6049% | 4,736 |
| Loan loss allowance to noncurrent loans | 109.3673% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 2,480 |
| Noncurrent loans to loans | 0.5530% | 2,508 |
| Net loans and leases to total assets | 71.8126% | 1,748 |
| Net loans and leases to deposits | 100.1205% | 544 |
| Net loans and leases to core deposits | 112.8276% | 639 |
| Total domestic deposits to total assets | 71.7262% | 4,725 |
| Equity capital to assets | 11.9204% | 1,711 |
| Core capital (leverage) ratio | 8.8171% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8486% | 2,669 |
| Memoranda: | ||
| Average total assets | $3,706,031,000 | 298 |
| Average earning assets | $3,320,839,667 | 297 |
| Average equity | $438,607,667 | 281 |
| Average total loans | $2,668,497,333 | 284 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 3,599 |
| Cost of funding earning assets | 0.9937% | 1,443 |
| Net interest margin | 3.0784% | 4,139 |
| Noninterest income to average assets | 0.8833% | 1,101 |
| Noninterest expense to average assets | 2.3580% | 3,631 |
| Loan and lease loss provision to assets | 0.1211% | 2,182 |
| Net operating income to assets | 0.9370% | 2,391 |
| Return on assets (ROA) | 0.9489% | 2,452 |
| Pretax return on assets | 1.1779% | 2,277 |
| Return on Equity (ROE) | 8.0481% | 2,500 |
| Retained earnings to average equity (ytd only) | 8.0481% | 1,218 |
| Net charge-offs to loans | 0.1769% | 753 |
| Credit loss provision to net charge-offs | 95.2014% | 1,877 |
| Earnings coverage of net charge-offs (x) | 10.0977% | 1,784 |
| Efficiency ratio | 64.0545% | 3,226 |
| Assets per employee ($millions) | 6.9206% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5805% | 4,787 |
| Loan loss allowance to noncurrent loans | 124.4772% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 2,867 |
| Noncurrent loans to loans | 0.4664% | 2,851 |
| Net loans and leases to total assets | 71.2875% | 2,041 |
| Net loans and leases to deposits | 97.8395% | 735 |
| Net loans and leases to core deposits | 119.0980% | 496 |
| Total domestic deposits to total assets | 72.8617% | 4,735 |
| Equity capital to assets | 11.9255% | 2,124 |
| Core capital (leverage) ratio | 8.6407% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5756% | 2,902 |
| Memoranda: | ||
| Average total assets | $3,670,167,500 | 295 |
| Average earning assets | $3,289,370,000 | 292 |
| Average equity | $432,749,500 | 286 |
| Average total loans | $2,638,037,500 | 282 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 3,970 |
| Cost of funding earning assets | 1.3244% | 719 |
| Net interest margin | 2.8076% | 4,755 |
| Noninterest income to average assets | 0.7804% | 1,514 |
| Noninterest expense to average assets | 2.3748% | 3,751 |
| Loan and lease loss provision to assets | 0.0637% | 2,760 |
| Net operating income to assets | 0.7251% | 3,783 |
| Return on assets (ROA) | 0.7305% | 3,835 |
| Pretax return on assets | 0.8764% | 3,806 |
| Return on Equity (ROE) | 6.4314% | 3,766 |
| Retained earnings to average equity (ytd only) | 1.1716% | 4,328 |
| Net charge-offs to loans | 0.0324% | 2,740 |
| Credit loss provision to net charge-offs | 278.9410% | 1,011 |
| Earnings coverage of net charge-offs (x) | 40.8724% | 1,300 |
| Efficiency ratio | 71.0662% | 2,015 |
| Assets per employee ($millions) | 8.0208% | 709 |
| Cash dividends to net income (ytd only)* | 81.7836% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 4,775 |
| Loan loss allowance to noncurrent loans | 129.1362% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 2,864 |
| Noncurrent loans to loans | 0.4502% | 2,826 |
| Net loans and leases to total assets | 71.6335% | 2,144 |
| Net loans and leases to deposits | 96.3574% | 909 |
| Net loans and leases to core deposits | 124.2973% | 378 |
| Total domestic deposits to total assets | 74.3415% | 4,752 |
| Equity capital to assets | 11.6468% | 2,386 |
| Core capital (leverage) ratio | 8.3898% | 4,905 |
| Tier 1 risk-based capital ratio | 11.7902% | 4,476 |
| Total risk-based capital ratio | 12.4157% | 4,681 |
| Memoranda: | ||
| Average total assets | $3,638,033,600 | 281 |
| Average earning assets | $3,275,771,800 | 281 |
| Average equity | $413,209,400 | 281 |
| Average total loans | $2,562,764,400 | 281 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1303% | 4,087 |
| Cost of funding earning assets | 1.3835% | 604 |
| Net interest margin | 2.7468% | 4,898 |
| Noninterest income to average assets | 0.7614% | 1,555 |
| Noninterest expense to average assets | 2.2190% | 4,149 |
| Loan and lease loss provision to assets | 0.0653% | 2,585 |
| Net operating income to assets | 0.7792% | 3,746 |
| Return on assets (ROA) | 0.7839% | 3,794 |
| Pretax return on assets | 0.9552% | 3,722 |
| Return on Equity (ROE) | 6.9466% | 3,699 |
| Retained earnings to average equity (ytd only) | 1.6431% | 4,385 |
| Net charge-offs to loans | 0.0153% | 2,854 |
| Credit loss provision to net charge-offs | 611.3402% | 534 |
| Earnings coverage of net charge-offs (x) | 94.9691% | 778 |
| Efficiency ratio | 67.9157% | 2,435 |
| Assets per employee ($millions) | 7.8993% | 719 |
| Cash dividends to net income (ytd only)* | 76.3466% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 4,830 |
| Loan loss allowance to noncurrent loans | 88.0585% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 2,355 |
| Noncurrent loans to loans | 0.6765% | 2,267 |
| Net loans and leases to total assets | 70.9683% | 2,328 |
| Net loans and leases to deposits | 102.2137% | 499 |
| Net loans and leases to core deposits | 136.1284% | 229 |
| Total domestic deposits to total assets | 69.4313% | 5,016 |
| Equity capital to assets | 11.5817% | 2,604 |
| Core capital (leverage) ratio | 8.7374% | 4,807 |
| Tier 1 risk-based capital ratio | 12.5995% | 4,085 |
| Total risk-based capital ratio | 13.4452% | 4,197 |
| Memoranda: | ||
| Average total assets | $3,631,162,750 | 286 |
| Average earning assets | $3,268,307,250 | 285 |
| Average equity | $409,783,000 | 284 |
| Average total loans | $2,543,182,500 | 285 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 4,183 |
| Cost of funding earning assets | 1.3828% | 572 |
| Net interest margin | 2.7090% | 4,995 |
| Noninterest income to average assets | 0.7403% | 1,557 |
| Noninterest expense to average assets | 2.0788% | 4,451 |
| Loan and lease loss provision to assets | 0.0487% | 2,845 |
| Net operating income to assets | 0.8506% | 3,469 |
| Return on assets (ROA) | 0.8506% | 3,523 |
| Pretax return on assets | 1.0510% | 3,382 |
| Return on Equity (ROE) | 7.6037% | 3,451 |
| Retained earnings to average equity (ytd only) | 2.2643% | 4,032 |
| Net charge-offs to loans | 0.0143% | 2,626 |
| Credit loss provision to net charge-offs | 489.5028% | 613 |
| Earnings coverage of net charge-offs (x) | 110.5193% | 649 |
| Efficiency ratio | 64.6887% | 3,021 |
| Assets per employee ($millions) | 7.8230% | 711 |
| Cash dividends to net income (ytd only)* | 70.2210% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5652% | 4,931 |
| Loan loss allowance to noncurrent loans | 90.6163% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 2,550 |
| Noncurrent loans to loans | 0.6237% | 2,389 |
| Net loans and leases to total assets | 69.5775% | 2,594 |
| Net loans and leases to deposits | 102.8235% | 484 |
| Net loans and leases to core deposits | 144.0649% | 167 |
| Total domestic deposits to total assets | 67.6669% | 5,114 |
| Equity capital to assets | 11.2762% | 2,797 |
| Core capital (leverage) ratio | 8.6861% | 4,856 |
| Tier 1 risk-based capital ratio | 12.5998% | 4,077 |
| Total risk-based capital ratio | 13.4151% | 4,213 |
| Memoranda: | ||
| Average total assets | $3,638,219,000 | 289 |
| Average earning assets | $3,274,607,670 | 287 |
| Average equity | $407,010,670 | 286 |
| Average total loans | $2,531,808,000 | 288 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 4,173 |
| Cost of funding earning assets | 1.3398% | 577 |
| Net interest margin | 2.7420% | 5,033 |
| Noninterest income to average assets | 0.6737% | 1,707 |
| Noninterest expense to average assets | 1.9832% | 4,675 |
| Loan and lease loss provision to assets | 0.0359% | 2,907 |
| Net operating income to assets | 0.9072% | 3,210 |
| Return on assets (ROA) | 0.9072% | 3,256 |
| Pretax return on assets | 1.1239% | 3,078 |
| Return on Equity (ROE) | 8.1426% | 3,199 |
| Retained earnings to average equity (ytd only) | 2.9505% | 3,753 |
| Net charge-offs to loans | 0.0308% | 1,836 |
| Credit loss provision to net charge-offs | 167.8756% | 1,162 |
| Earnings coverage of net charge-offs (x) | 54.3057% | 976 |
| Efficiency ratio | 62.3715% | 3,477 |
| Assets per employee ($millions) | 8.1289% | 641 |
| Cash dividends to net income (ytd only)* | 63.7639% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 5,016 |
| Loan loss allowance to noncurrent loans | 84.2533% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 2,535 |
| Noncurrent loans to loans | 0.6574% | 2,373 |
| Net loans and leases to total assets | 69.3141% | 2,578 |
| Net loans and leases to deposits | 101.4681% | 528 |
| Net loans and leases to core deposits | 137.6116% | 212 |
| Total domestic deposits to total assets | 68.3112% | 5,166 |
| Equity capital to assets | 11.2356% | 2,618 |
| Core capital (leverage) ratio | 8.8231% | 4,775 |
| Tier 1 risk-based capital ratio | 12.8768% | 3,942 |
| Total risk-based capital ratio | 13.6907% | 4,071 |
| Memoranda: | ||
| Average total assets | $3,615,018,000 | 289 |
| Average earning assets | $3,255,231,500 | 289 |
| Average equity | $402,772,500 | 289 |
| Average total loans | $2,508,593,000 | 291 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 4,089 |
| Cost of funding earning assets | 1.0752% | 542 |
| Net interest margin | 2.9018% | 4,917 |
| Noninterest income to average assets | 0.8002% | 1,446 |
| Noninterest expense to average assets | 2.0250% | 4,710 |
| Loan and lease loss provision to assets | 0.0782% | 2,563 |
| Net operating income to assets | 1.0632% | 2,748 |
| Return on assets (ROA) | 1.0421% | 2,822 |
| Pretax return on assets | 1.2868% | 2,552 |
| Return on Equity (ROE) | 9.4910% | 2,752 |
| Retained earnings to average equity (ytd only) | 3.4168% | 3,711 |
| Net charge-offs to loans | 0.0500% | 2,438 |
| Credit loss provision to net charge-offs | 224.2742% | 1,309 |
| Earnings coverage of net charge-offs (x) | 39.8710% | 1,310 |
| Efficiency ratio | 58.5973% | 4,065 |
| Assets per employee ($millions) | 8.1551% | 629 |
| Cash dividends to net income (ytd only)* | 63.9991% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5568% | 5,048 |
| Loan loss allowance to noncurrent loans | 75.0325% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 2,311 |
| Noncurrent loans to loans | 0.7421% | 2,143 |
| Net loans and leases to total assets | 68.7007% | 2,775 |
| Net loans and leases to deposits | 99.3178% | 789 |
| Net loans and leases to core deposits | 132.6933% | 277 |
| Total domestic deposits to total assets | 69.1725% | 5,180 |
| Equity capital to assets | 11.0471% | 2,640 |
| Core capital (leverage) ratio | 8.7352% | 4,856 |
| Tier 1 risk-based capital ratio | 12.9923% | 3,849 |
| Total risk-based capital ratio | 13.8164% | 3,972 |
| Memoranda: | ||
| Average total assets | $3,554,043,800 | 290 |
| Average earning assets | $3,203,819,800 | 287 |
| Average equity | $390,243,800 | 286 |
| Average total loans | $2,481,782,800 | 283 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9529% | 4,070 |
| Cost of funding earning assets | 1.0225% | 540 |
| Net interest margin | 2.9304% | 4,933 |
| Noninterest income to average assets | 0.7578% | 1,641 |
| Noninterest expense to average assets | 1.9846% | 4,770 |
| Loan and lease loss provision to assets | 0.0831% | 2,296 |
| Net operating income to assets | 1.0687% | 2,789 |
| Return on assets (ROA) | 1.0687% | 2,803 |
| Pretax return on assets | 1.3318% | 2,495 |
| Return on Equity (ROE) | 9.7480% | 2,731 |
| Retained earnings to average equity (ytd only) | 3.5735% | 3,981 |
| Net charge-offs to loans | 0.0562% | 2,010 |
| Credit loss provision to net charge-offs | 211.0899% | 1,328 |
| Earnings coverage of net charge-offs (x) | 35.9293% | 1,438 |
| Efficiency ratio | 57.6920% | 4,167 |
| Assets per employee ($millions) | 8.1761% | 608 |
| Cash dividends to net income (ytd only)* | 63.3411% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5430% | 5,138 |
| Loan loss allowance to noncurrent loans | 61.9408% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 2,341 |
| Noncurrent loans to loans | 0.8767% | 1,951 |
| Net loans and leases to total assets | 69.4509% | 2,730 |
| Net loans and leases to deposits | 102.9779% | 604 |
| Net loans and leases to core deposits | 139.1951% | 216 |
| Total domestic deposits to total assets | 67.4426% | 5,296 |
| Equity capital to assets | 10.8951% | 2,759 |
| Core capital (leverage) ratio | 8.6933% | 4,961 |
| Tier 1 risk-based capital ratio | 13.0101% | 3,898 |
| Total risk-based capital ratio | 13.8275% | 4,052 |
| Memoranda: | ||
| Average total assets | $3,541,413,000 | 288 |
| Average earning assets | $3,192,540,500 | 284 |
| Average equity | $388,254,750 | 284 |
| Average total loans | $2,479,671,750 | 284 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 4,048 |
| Cost of funding earning assets | 0.9583% | 561 |
| Net interest margin | 2.9521% | 4,942 |
| Noninterest income to average assets | 0.7389% | 1,691 |
| Noninterest expense to average assets | 2.0057% | 4,791 |
| Loan and lease loss provision to assets | 0.0885% | 2,144 |
| Net operating income to assets | 1.0481% | 2,817 |
| Return on assets (ROA) | 1.0481% | 2,811 |
| Pretax return on assets | 1.3121% | 2,462 |
| Return on Equity (ROE) | 9.5406% | 2,780 |
| Retained earnings to average equity (ytd only) | 3.2035% | 3,965 |
| Net charge-offs to loans | 0.0646% | 1,699 |
| Credit loss provision to net charge-offs | 195.6250% | 1,327 |
| Earnings coverage of net charge-offs (x) | 30.9563% | 1,472 |
| Efficiency ratio | 58.1969% | 4,198 |
| Assets per employee ($millions) | 7.8421% | 664 |
| Cash dividends to net income (ytd only)* | 66.4221% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5267% | 5,223 |
| Loan loss allowance to noncurrent loans | 59.6464% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6242% | 2,345 |
| Noncurrent loans to loans | 0.8831% | 1,961 |
| Net loans and leases to total assets | 69.8933% | 2,596 |
| Net loans and leases to deposits | 103.7940% | 537 |
| Net loans and leases to core deposits | 142.7607% | 171 |
| Total domestic deposits to total assets | 67.3384% | 5,355 |
| Equity capital to assets | 10.9606% | 2,670 |
| Core capital (leverage) ratio | 8.6206% | 5,022 |
| Tier 1 risk-based capital ratio | 12.8580% | 3,977 |
| Total risk-based capital ratio | 13.6607% | 4,134 |
| Memoranda: | ||
| Average total assets | $3,536,345,330 | 286 |
| Average earning assets | $3,195,334,330 | 283 |
| Average equity | $388,507,000 | 279 |
| Average total loans | $2,478,365,670 | 282 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 4,097 |
| Cost of funding earning assets | 0.8893% | 633 |
| Net interest margin | 2.9560% | 4,945 |
| Noninterest income to average assets | 0.6955% | 1,850 |
| Noninterest expense to average assets | 2.0282% | 4,794 |
| Loan and lease loss provision to assets | 0.0899% | 2,008 |
| Net operating income to assets | 1.0011% | 2,857 |
| Return on assets (ROA) | 1.0011% | 2,876 |
| Pretax return on assets | 1.2529% | 2,543 |
| Return on Equity (ROE) | 9.1018% | 2,865 |
| Retained earnings to average equity (ytd only) | 2.8786% | 4,042 |
| Net charge-offs to loans | 0.0713% | 1,408 |
| Credit loss provision to net charge-offs | 180.2721% | 1,115 |
| Earnings coverage of net charge-offs (x) | 26.9184% | 1,310 |
| Efficiency ratio | 59.4712% | 4,134 |
| Assets per employee ($millions) | 8.5593% | 518 |
| Cash dividends to net income (ytd only)* | 68.3729% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5145% | 5,314 |
| Loan loss allowance to noncurrent loans | 62.3384% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5857% | 2,569 |
| Noncurrent loans to loans | 0.8253% | 2,168 |
| Net loans and leases to total assets | 69.8639% | 2,507 |
| Net loans and leases to deposits | 104.4786% | 453 |
| Net loans and leases to core deposits | 140.2263% | 210 |
| Total domestic deposits to total assets | 66.8691% | 5,447 |
| Equity capital to assets | 11.0112% | 2,566 |
| Core capital (leverage) ratio | 8.5572% | 5,098 |
| Tier 1 risk-based capital ratio | 12.9468% | 3,979 |
| Total risk-based capital ratio | 13.7456% | 4,148 |
| Memoranda: | ||
| Average total assets | $3,536,124,500 | 285 |
| Average earning assets | $3,200,650,000 | 283 |
| Average equity | $388,933,500 | 282 |
| Average total loans | $2,475,015,500 | 281 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 3,211 |
| Cost of funding earning assets | 0.7705% | 736 |
| Net interest margin | 3.2880% | 4,191 |
| Noninterest income to average assets | 0.8101% | 1,531 |
| Noninterest expense to average assets | 2.2033% | 4,526 |
| Loan and lease loss provision to assets | 0.0887% | 2,416 |
| Net operating income to assets | 0.9409% | 2,489 |
| Return on assets (ROA) | 0.9413% | 2,521 |
| Pretax return on assets | 1.5088% | 1,606 |
| Return on Equity (ROE) | 8.6745% | 2,462 |
| Retained earnings to average equity (ytd only) | 4.5982% | 2,391 |
| Net charge-offs to loans | 0.0409% | 2,968 |
| Credit loss provision to net charge-offs | 316.0998% | 906 |
| Earnings coverage of net charge-offs (x) | 56.9206% | 989 |
| Efficiency ratio | 57.3769% | 4,606 |
| Assets per employee ($millions) | 8.4832% | 537 |
| Cash dividends to net income (ytd only)* | 46.9910% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4959% | 5,393 |
| Loan loss allowance to noncurrent loans | 83.1198% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 3,186 |
| Noncurrent loans to loans | 0.5966% | 2,738 |
| Net loans and leases to total assets | 69.4171% | 2,612 |
| Net loans and leases to deposits | 105.0340% | 446 |
| Net loans and leases to core deposits | 140.0942% | 213 |
| Total domestic deposits to total assets | 66.0901% | 5,516 |
| Equity capital to assets | 10.9867% | 2,641 |
| Core capital (leverage) ratio | 8.5791% | 5,065 |
| Tier 1 risk-based capital ratio | 12.9215% | 3,952 |
| Total risk-based capital ratio | 13.7082% | 4,134 |
| Memoranda: | ||
| Average total assets | $3,143,980,200 | 295 |
| Average earning assets | $2,859,019,200 | 294 |
| Average equity | $341,173,600 | 303 |
| Average total loans | $2,158,538,600 | 300 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1346% | 2,855 |
| Cost of funding earning assets | 0.7635% | 710 |
| Net interest margin | 3.3711% | 3,943 |
| Noninterest income to average assets | 0.8361% | 1,458 |
| Noninterest expense to average assets | 2.4524% | 3,877 |
| Loan and lease loss provision to assets | 0.0961% | 2,177 |
| Net operating income to assets | 0.9488% | 2,786 |
| Return on assets (ROA) | 0.9494% | 2,847 |
| Pretax return on assets | 1.3603% | 2,240 |
| Return on Equity (ROE) | 8.7808% | 2,736 |
| Retained earnings to average equity (ytd only) | 4.3744% | 3,297 |
| Net charge-offs to loans | 0.0424% | 2,595 |
| Credit loss provision to net charge-offs | 331.9697% | 907 |
| Earnings coverage of net charge-offs (x) | 50.2726% | 1,112 |
| Efficiency ratio | 62.1544% | 3,857 |
| Assets per employee ($millions) | 8.2330% | 582 |
| Cash dividends to net income (ytd only)* | 50.1825% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4920% | 5,480 |
| Loan loss allowance to noncurrent loans | 171.1789% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 4,266 |
| Noncurrent loans to loans | 0.2874% | 3,913 |
| Net loans and leases to total assets | 69.5646% | 2,620 |
| Net loans and leases to deposits | 106.0836% | 417 |
| Net loans and leases to core deposits | 137.4355% | 238 |
| Total domestic deposits to total assets | 65.5753% | 5,596 |
| Equity capital to assets | 11.2148% | 2,654 |
| Core capital (leverage) ratio | 8.4991% | 5,250 |
| Tier 1 risk-based capital ratio | 12.9869% | 4,016 |
| Total risk-based capital ratio | 13.7746% | 4,210 |
| Memoranda: | ||
| Average total assets | $3,039,240,750 | 306 |
| Average earning assets | $2,769,533,750 | 304 |
| Average equity | $328,604,250 | 310 |
| Average total loans | $2,076,770,250 | 307 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 2,372 |
| Cost of funding earning assets | 0.7395% | 724 |
| Net interest margin | 3.4874% | 3,453 |
| Noninterest income to average assets | 0.8553% | 1,403 |
| Noninterest expense to average assets | 2.7080% | 3,068 |
| Loan and lease loss provision to assets | 0.1058% | 1,922 |
| Net operating income to assets | 0.8518% | 3,147 |
| Return on assets (ROA) | 0.8518% | 3,199 |
| Pretax return on assets | 1.2247% | 2,679 |
| Return on Equity (ROE) | 7.9972% | 3,037 |
| Retained earnings to average equity (ytd only) | 4.3256% | 3,131 |
| Net charge-offs to loans | 0.0519% | 2,180 |
| Credit loss provision to net charge-offs | 301.3780% | 954 |
| Earnings coverage of net charge-offs (x) | 37.8996% | 1,293 |
| Efficiency ratio | 66.4648% | 3,272 |
| Assets per employee ($millions) | 7.2207% | 838 |
| Cash dividends to net income (ytd only)* | 45.9111% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4814% | 5,536 |
| Loan loss allowance to noncurrent loans | 132.0332% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 4,121 |
| Noncurrent loans to loans | 0.3646% | 3,721 |
| Net loans and leases to total assets | 67.5396% | 2,873 |
| Net loans and leases to deposits | 106.7949% | 368 |
| Net loans and leases to core deposits | 135.7667% | 234 |
| Total domestic deposits to total assets | 63.2424% | 5,672 |
| Equity capital to assets | 11.0010% | 2,801 |
| Core capital (leverage) ratio | 8.2536% | 5,389 |
| Tier 1 risk-based capital ratio | 12.8273% | 4,102 |
| Total risk-based capital ratio | 13.5940% | 4,278 |
| Memoranda: | ||
| Average total assets | $2,894,207,670 | 319 |
| Average earning assets | $2,641,665,330 | 316 |
| Average equity | $308,258,670 | 329 |
| Average total loans | $1,959,406,670 | 322 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 1,625 |
| Cost of funding earning assets | 0.7427% | 682 |
| Net interest margin | 3.6644% | 2,632 |
| Noninterest income to average assets | 0.9080% | 1,213 |
| Noninterest expense to average assets | 3.0766% | 1,929 |
| Loan and lease loss provision to assets | 0.1228% | 1,564 |
| Net operating income to assets | 0.7709% | 3,358 |
| Return on assets (ROA) | 0.7709% | 3,416 |
| Pretax return on assets | 1.0685% | 3,095 |
| Return on Equity (ROE) | 7.4022% | 3,212 |
| Retained earnings to average equity (ytd only) | 5.7904% | 2,445 |
| Net charge-offs to loans | 0.0754% | 1,582 |
| Credit loss provision to net charge-offs | 240.9091% | 911 |
| Earnings coverage of net charge-offs (x) | 23.3758% | 1,389 |
| Efficiency ratio | 71.5201% | 2,660 |
| Assets per employee ($millions) | 9.1851% | 396 |
| Cash dividends to net income (ytd only)* | 21.7748% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4588% | 5,631 |
| Loan loss allowance to noncurrent loans | 180.4676% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 4,505 |
| Noncurrent loans to loans | 0.2542% | 4,202 |
| Net loans and leases to total assets | 68.9296% | 2,545 |
| Net loans and leases to deposits | 108.5903% | 248 |
| Net loans and leases to core deposits | 134.1798% | 217 |
| Total domestic deposits to total assets | 63.4767% | 5,749 |
| Equity capital to assets | 11.1076% | 2,524 |
| Core capital (leverage) ratio | 8.5577% | 5,187 |
| Tier 1 risk-based capital ratio | 12.9361% | 4,117 |
| Total risk-based capital ratio | 13.6905% | 4,323 |
| Memoranda: | ||
| Average total assets | $2,590,285,500 | 346 |
| Average earning assets | $2,374,960,000 | 342 |
| Average equity | $269,758,500 | 353 |
| Average total loans | $1,750,753,500 | 345 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 4,360 |
| Cost of funding earning assets | 0.7699% | 578 |
| Net interest margin | 2.8840% | 5,162 |
| Noninterest income to average assets | 0.4522% | 3,528 |
| Noninterest expense to average assets | 1.9556% | 5,277 |
| Loan and lease loss provision to assets | 0.0586% | 3,218 |
| Net operating income to assets | 0.8171% | 3,223 |
| Return on assets (ROA) | 1.0081% | 2,418 |
| Pretax return on assets | 1.4212% | 1,854 |
| Return on Equity (ROE) | 10.3738% | 1,816 |
| Retained earnings to average equity (ytd only) | 6.3896% | 1,504 |
| Net charge-offs to loans | -0.0002% | 4,623 |
| Credit loss provision to net charge-offs | -48,950.0000% | 5,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7561% | 4,299 |
| Assets per employee ($millions) | 11.1046% | 219 |
| Cash dividends to net income (ytd only)* | 38.4063% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 4,685 |
| Loan loss allowance to noncurrent loans | 160.3910% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 3,773 |
| Noncurrent loans to loans | 0.5753% | 3,115 |
| Net loans and leases to total assets | 63.7577% | 3,388 |
| Net loans and leases to deposits | 106.3753% | 330 |
| Net loans and leases to core deposits | 149.8921% | 114 |
| Total domestic deposits to total assets | 59.9366% | 5,825 |
| Equity capital to assets | 9.0604% | 4,753 |
| Core capital (leverage) ratio | 9.0584% | 4,672 |
| Tier 1 risk-based capital ratio | 15.2044% | 2,883 |
| Total risk-based capital ratio | 16.7126% | 2,697 |
| Memoranda: | ||
| Average total assets | $1,671,780,600 | 464 |
| Average earning assets | $1,573,322,200 | 446 |
| Average equity | $162,467,600 | 495 |
| Average total loans | $1,052,592,200 | 483 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 4,382 |
| Cost of funding earning assets | 0.7653% | 597 |
| Net interest margin | 2.8915% | 5,200 |
| Noninterest income to average assets | 0.4487% | 3,569 |
| Noninterest expense to average assets | 1.8728% | 5,425 |
| Loan and lease loss provision to assets | 0.0609% | 3,024 |
| Net operating income to assets | 0.8530% | 3,133 |
| Return on assets (ROA) | 1.1032% | 2,088 |
| Pretax return on assets | 1.6002% | 1,378 |
| Return on Equity (ROE) | 11.1509% | 1,616 |
| Retained earnings to average equity (ytd only) | 6.8141% | 1,715 |
| Net charge-offs to loans | 0.0115% | 3,534 |
| Credit loss provision to net charge-offs | 847.1910% | 473 |
| Earnings coverage of net charge-offs (x) | 180.6911% | 402 |
| Efficiency ratio | 59.0457% | 4,685 |
| Assets per employee ($millions) | 8.6715% | 453 |
| Cash dividends to net income (ytd only)* | 38.8917% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,762 |
| Loan loss allowance to noncurrent loans | 157.8347% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 3,885 |
| Noncurrent loans to loans | 0.5882% | 3,242 |
| Net loans and leases to total assets | 62.7936% | 3,546 |
| Net loans and leases to deposits | 104.1831% | 444 |
| Net loans and leases to core deposits | 150.0944% | 126 |
| Total domestic deposits to total assets | 60.2724% | 5,887 |
| Equity capital to assets | 9.6705% | 4,495 |
| Core capital (leverage) ratio | 9.2501% | 4,529 |
| Tier 1 risk-based capital ratio | 15.6650% | 2,761 |
| Total risk-based capital ratio | 17.2058% | 2,582 |
| Memoranda: | ||
| Average total assets | $1,651,094,500 | 469 |
| Average earning assets | $1,554,722,750 | 448 |
| Average equity | $163,342,750 | 493 |
| Average total loans | $1,033,474,250 | 494 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7180% | 4,238 |
| Cost of funding earning assets | 0.7562% | 608 |
| Net interest margin | 2.9618% | 5,150 |
| Noninterest income to average assets | 0.4616% | 3,451 |
| Noninterest expense to average assets | 1.8695% | 5,504 |
| Loan and lease loss provision to assets | 0.0755% | 2,625 |
| Net operating income to assets | 0.9275% | 2,734 |
| Return on assets (ROA) | 1.2008% | 1,691 |
| Pretax return on assets | 1.6905% | 1,118 |
| Return on Equity (ROE) | 12.0423% | 1,303 |
| Retained earnings to average equity (ytd only) | 7.8538% | 1,218 |
| Net charge-offs to loans | 0.0319% | 2,823 |
| Credit loss provision to net charge-offs | 379.6296% | 801 |
| Earnings coverage of net charge-offs (x) | 69.4444% | 779 |
| Efficiency ratio | 57.5043% | 4,971 |
| Assets per employee ($millions) | 8.2682% | 514 |
| Cash dividends to net income (ytd only)* | 34.7817% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 4,792 |
| Loan loss allowance to noncurrent loans | 178.1199% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 4,119 |
| Noncurrent loans to loans | 0.5294% | 3,495 |
| Net loans and leases to total assets | 61.6071% | 3,668 |
| Net loans and leases to deposits | 104.9257% | 408 |
| Net loans and leases to core deposits | 156.5652% | 97 |
| Total domestic deposits to total assets | 58.7150% | 5,980 |
| Equity capital to assets | 9.9408% | 4,301 |
| Core capital (leverage) ratio | 9.3378% | 4,410 |
| Tier 1 risk-based capital ratio | 15.7694% | 2,752 |
| Total risk-based capital ratio | 17.3220% | 2,553 |
| Memoranda: | ||
| Average total assets | $1,629,140,000 | 473 |
| Average earning assets | $1,534,045,670 | 454 |
| Average equity | $162,444,330 | 498 |
| Average total loans | $1,015,218,000 | 501 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 4,110 |
| Cost of funding earning assets | 0.7504% | 635 |
| Net interest margin | 3.0070% | 5,107 |
| Noninterest income to average assets | 0.4729% | 3,326 |
| Noninterest expense to average assets | 1.8046% | 5,647 |
| Loan and lease loss provision to assets | 0.1162% | 1,805 |
| Net operating income to assets | 0.9891% | 2,328 |
| Return on assets (ROA) | 1.2477% | 1,512 |
| Pretax return on assets | 1.7446% | 956 |
| Return on Equity (ROE) | 12.4932% | 1,156 |
| Retained earnings to average equity (ytd only) | 8.6767% | 1,204 |
| Net charge-offs to loans | 0.0357% | 2,263 |
| Credit loss provision to net charge-offs | 522.4719% | 585 |
| Earnings coverage of net charge-offs (x) | 67.5056% | 720 |
| Efficiency ratio | 54.5736% | 5,331 |
| Assets per employee ($millions) | 7.5077% | 700 |
| Cash dividends to net income (ytd only)* | 30.5489% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 4,738 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 3,976 |
| Noncurrent loans to loans | 0.6268% | 3,290 |
| Net loans and leases to total assets | 61.4644% | 3,599 |
| Net loans and leases to deposits | 103.4878% | 437 |
| Net loans and leases to core deposits | 147.5418% | 117 |
| Total domestic deposits to total assets | 59.3929% | 6,039 |
| Equity capital to assets | 10.0677% | 3,992 |
| Core capital (leverage) ratio | 9.3486% | 4,433 |
| Tier 1 risk-based capital ratio | 15.8347% | 2,765 |
| Total risk-based capital ratio | 17.4157% | 2,553 |
| Memoranda: | ||
| Average total assets | $1,600,357,000 | 481 |
| Average earning assets | $1,507,960,000 | 464 |
| Average equity | $159,830,500 | 503 |
| Average total loans | $998,316,000 | 507 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 3,954 |
| Cost of funding earning assets | 0.7202% | 735 |
| Net interest margin | 3.1076% | 4,883 |
| Noninterest income to average assets | 0.5015% | 3,323 |
| Noninterest expense to average assets | 1.8755% | 5,643 |
| Loan and lease loss provision to assets | 0.1163% | 2,054 |
| Net operating income to assets | 1.0245% | 2,238 |
| Return on assets (ROA) | 1.0871% | 2,045 |
| Pretax return on assets | 1.5189% | 1,496 |
| Return on Equity (ROE) | 10.9254% | 1,641 |
| Retained earnings to average equity (ytd only) | 7.3836% | 1,131 |
| Net charge-offs to loans | 0.1369% | 1,988 |
| Credit loss provision to net charge-offs | 135.6383% | 1,933 |
| Earnings coverage of net charge-offs (x) | 18.0502% | 2,038 |
| Efficiency ratio | 54.7716% | 5,465 |
| Assets per employee ($millions) | 7.2433% | 805 |
| Cash dividends to net income (ytd only)* | 32.4180% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 4,851 |
| Loan loss allowance to noncurrent loans | 134.6747% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 3,764 |
| Noncurrent loans to loans | 0.7078% | 3,066 |
| Net loans and leases to total assets | 62.1028% | 3,546 |
| Net loans and leases to deposits | 103.9130% | 444 |
| Net loans and leases to core deposits | 154.8697% | 92 |
| Total domestic deposits to total assets | 59.7643% | 6,093 |
| Equity capital to assets | 9.9045% | 4,067 |
| Core capital (leverage) ratio | 9.4931% | 4,178 |
| Tier 1 risk-based capital ratio | 15.7685% | 2,794 |
| Total risk-based capital ratio | 17.3363% | 2,596 |
| Memoranda: | ||
| Average total assets | $1,534,245,600 | 463 |
| Average earning assets | $1,442,717,800 | 446 |
| Average equity | $152,662,000 | 498 |
| Average total loans | $961,609,600 | 495 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 3,944 |
| Cost of funding earning assets | 0.7217% | 748 |
| Net interest margin | 3.1270% | 4,889 |
| Noninterest income to average assets | 0.4993% | 3,365 |
| Noninterest expense to average assets | 1.8616% | 5,697 |
| Loan and lease loss provision to assets | 0.1156% | 1,955 |
| Net operating income to assets | 1.0395% | 2,277 |
| Return on assets (ROA) | 1.1145% | 2,023 |
| Pretax return on assets | 1.5675% | 1,489 |
| Return on Equity (ROE) | 11.1872% | 1,630 |
| Retained earnings to average equity (ytd only) | 7.7672% | 1,348 |
| Net charge-offs to loans | 0.1749% | 1,427 |
| Credit loss provision to net charge-offs | 105.4313% | 2,180 |
| Earnings coverage of net charge-offs (x) | 14.3930% | 2,255 |
| Efficiency ratio | 54.1224% | 5,501 |
| Assets per employee ($millions) | 7.3227% | 747 |
| Cash dividends to net income (ytd only)* | 30.5710% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 5,089 |
| Loan loss allowance to noncurrent loans | 126.1622% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 3,790 |
| Noncurrent loans to loans | 0.7340% | 3,132 |
| Net loans and leases to total assets | 61.7020% | 3,652 |
| Net loans and leases to deposits | 95.5604% | 1,049 |
| Net loans and leases to core deposits | 151.8587% | 102 |
| Total domestic deposits to total assets | 64.5686% | 6,120 |
| Equity capital to assets | 9.9713% | 4,185 |
| Core capital (leverage) ratio | 9.1578% | 4,795 |
| Tier 1 risk-based capital ratio | 15.3526% | 3,114 |
| Total risk-based capital ratio | 16.8606% | 2,922 |
| Memoranda: | ||
| Average total assets | $1,523,045,500 | 471 |
| Average earning assets | $1,431,855,750 | 456 |
| Average equity | $151,728,500 | 504 |
| Average total loans | $954,494,500 | 499 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,046 |
| Cost of funding earning assets | 0.7216% | 753 |
| Net interest margin | 3.0839% | 5,004 |
| Noninterest income to average assets | 0.4874% | 3,458 |
| Noninterest expense to average assets | 1.8700% | 5,752 |
| Loan and lease loss provision to assets | 0.1187% | 1,865 |
| Net operating income to assets | 0.9924% | 2,426 |
| Return on assets (ROA) | 1.1060% | 2,019 |
| Pretax return on assets | 1.5604% | 1,453 |
| Return on Equity (ROE) | 11.1051% | 1,650 |
| Retained earnings to average equity (ytd only) | 7.4531% | 1,498 |
| Net charge-offs to loans | 0.1615% | 1,508 |
| Credit loss provision to net charge-offs | 116.9935% | 1,844 |
| Earnings coverage of net charge-offs (x) | 14.9765% | 2,013 |
| Efficiency ratio | 55.1682% | 5,499 |
| Assets per employee ($millions) | 7.2520% | 749 |
| Cash dividends to net income (ytd only)* | 32.8857% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 5,200 |
| Loan loss allowance to noncurrent loans | 102.9299% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 3,636 |
| Noncurrent loans to loans | 0.8991% | 2,877 |
| Net loans and leases to total assets | 62.4785% | 3,483 |
| Net loans and leases to deposits | 109.2968% | 278 |
| Net loans and leases to core deposits | 178.1739% | 56 |
| Total domestic deposits to total assets | 57.1641% | 6,269 |
| Equity capital to assets | 9.6453% | 4,474 |
| Core capital (leverage) ratio | 9.2667% | 4,599 |
| Tier 1 risk-based capital ratio | 14.9902% | 3,362 |
| Total risk-based capital ratio | 16.4964% | 3,162 |
| Memoranda: | ||
| Average total assets | $1,508,371,330 | 477 |
| Average earning assets | $1,419,261,000 | 459 |
| Average equity | $150,219,000 | 512 |
| Average total loans | $947,342,670 | 500 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 3,738 |
| Cost of funding earning assets | 0.7252% | 754 |
| Net interest margin | 3.1463% | 4,795 |
| Noninterest income to average assets | 0.4820% | 3,406 |
| Noninterest expense to average assets | 1.8943% | 5,764 |
| Loan and lease loss provision to assets | 0.1335% | 1,548 |
| Net operating income to assets | 0.9990% | 2,277 |
| Return on assets (ROA) | 1.1159% | 1,920 |
| Pretax return on assets | 1.5876% | 1,299 |
| Return on Equity (ROE) | 11.0221% | 1,627 |
| Retained earnings to average equity (ytd only) | 8.1926% | 1,496 |
| Net charge-offs to loans | -0.0060% | 4,552 |
| Credit loss provision to net charge-offs | -3,535.7143% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9237% | 5,601 |
| Assets per employee ($millions) | 6.8212% | 933 |
| Cash dividends to net income (ytd only)* | 25.6708% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 4,972 |
| Loan loss allowance to noncurrent loans | 77.0694% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8432% | 2,973 |
| Noncurrent loans to loans | 1.3086% | 2,195 |
| Net loans and leases to total assets | 61.7107% | 3,416 |
| Net loans and leases to deposits | 107.4779% | 272 |
| Net loans and leases to core deposits | 169.2512% | 69 |
| Total domestic deposits to total assets | 57.4171% | 6,337 |
| Equity capital to assets | 10.0977% | 4,021 |
| Core capital (leverage) ratio | 9.3793% | 4,460 |
| Tier 1 risk-based capital ratio | 15.1776% | 3,330 |
| Total risk-based capital ratio | 16.7728% | 3,074 |
| Memoranda: | ||
| Average total assets | $1,482,972,000 | 483 |
| Average earning assets | $1,398,224,500 | 464 |
| Average equity | $150,135,000 | 511 |
| Average total loans | $929,391,500 | 506 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 3,756 |
| Cost of funding earning assets | 0.7362% | 914 |
| Net interest margin | 3.2563% | 4,725 |
| Noninterest income to average assets | 0.4903% | 3,583 |
| Noninterest expense to average assets | 1.9045% | 5,933 |
| Loan and lease loss provision to assets | 0.1286% | 2,036 |
| Net operating income to assets | 1.0914% | 2,008 |
| Return on assets (ROA) | 1.1115% | 1,985 |
| Pretax return on assets | 1.5602% | 1,352 |
| Return on Equity (ROE) | 11.5549% | 1,539 |
| Retained earnings to average equity (ytd only) | 7.3985% | 1,231 |
| Net charge-offs to loans | 0.1509% | 2,527 |
| Credit loss provision to net charge-offs | 136.8932% | 1,725 |
| Earnings coverage of net charge-offs (x) | 17.6714% | 1,906 |
| Efficiency ratio | 53.3799% | 5,891 |
| Assets per employee ($millions) | 6.6293% | 990 |
| Cash dividends to net income (ytd only)* | 35.9705% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 5,170 |
| Loan loss allowance to noncurrent loans | 72.9899% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 3,009 |
| Noncurrent loans to loans | 1.3371% | 2,198 |
| Net loans and leases to total assets | 62.3985% | 3,450 |
| Net loans and leases to deposits | 105.9226% | 360 |
| Net loans and leases to core deposits | 154.5001% | 97 |
| Total domestic deposits to total assets | 58.9096% | 6,415 |
| Equity capital to assets | 10.1511% | 3,922 |
| Core capital (leverage) ratio | 9.3977% | 4,392 |
| Tier 1 risk-based capital ratio | 15.7745% | 3,083 |
| Total risk-based capital ratio | 17.4152% | 2,825 |
| Memoranda: | ||
| Average total assets | $1,424,975,400 | 494 |
| Average earning assets | $1,345,487,200 | 471 |
| Average equity | $137,067,400 | 528 |
| Average total loans | $887,476,400 | 505 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 3,719 |
| Cost of funding earning assets | 0.7380% | 953 |
| Net interest margin | 3.2720% | 4,712 |
| Noninterest income to average assets | 0.5218% | 3,396 |
| Noninterest expense to average assets | 1.8979% | 5,953 |
| Loan and lease loss provision to assets | 0.1295% | 1,937 |
| Net operating income to assets | 1.1202% | 1,959 |
| Return on assets (ROA) | 1.1647% | 1,877 |
| Pretax return on assets | 1.6442% | 1,197 |
| Return on Equity (ROE) | 12.2836% | 1,405 |
| Retained earnings to average equity (ytd only) | 8.0263% | 1,349 |
| Net charge-offs to loans | 0.1843% | 1,982 |
| Credit loss provision to net charge-offs | 113.1579% | 2,003 |
| Earnings coverage of net charge-offs (x) | 14.9499% | 2,097 |
| Efficiency ratio | 52.5428% | 5,956 |
| Assets per employee ($millions) | 6.5667% | 990 |
| Cash dividends to net income (ytd only)* | 34.6586% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 5,382 |
| Loan loss allowance to noncurrent loans | 136.7379% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 4,192 |
| Noncurrent loans to loans | 0.7033% | 3,849 |
| Net loans and leases to total assets | 61.8391% | 3,510 |
| Net loans and leases to deposits | 100.1597% | 605 |
| Net loans and leases to core deposits | 147.1189% | 114 |
| Total domestic deposits to total assets | 61.7405% | 6,470 |
| Equity capital to assets | 9.9436% | 4,235 |
| Core capital (leverage) ratio | 9.2620% | 4,691 |
| Tier 1 risk-based capital ratio | 15.8118% | 3,150 |
| Total risk-based capital ratio | 17.4428% | 2,916 |
| Memoranda: | ||
| Average total assets | $1,416,605,250 | 493 |
| Average earning assets | $1,336,565,500 | 471 |
| Average equity | $134,322,000 | 542 |
| Average total loans | $879,589,500 | 502 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9708% | 3,849 |
| Cost of funding earning assets | 0.7478% | 933 |
| Net interest margin | 3.2231% | 4,859 |
| Noninterest income to average assets | 0.5195% | 3,345 |
| Noninterest expense to average assets | 1.8945% | 6,005 |
| Loan and lease loss provision to assets | 0.1256% | 1,969 |
| Net operating income to assets | 1.0931% | 1,971 |
| Return on assets (ROA) | 1.1684% | 1,757 |
| Pretax return on assets | 1.6452% | 1,150 |
| Return on Equity (ROE) | 12.5299% | 1,302 |
| Retained earnings to average equity (ytd only) | 8.2051% | 1,245 |
| Net charge-offs to loans | 0.1394% | 2,276 |
| Credit loss provision to net charge-offs | 145.3202% | 1,490 |
| Earnings coverage of net charge-offs (x) | 19.2644% | 1,635 |
| Efficiency ratio | 53.1675% | 5,983 |
| Assets per employee ($millions) | 6.7847% | 883 |
| Cash dividends to net income (ytd only)* | 34.5154% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 5,480 |
| Loan loss allowance to noncurrent loans | 111.5345% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 4,002 |
| Noncurrent loans to loans | 0.8709% | 3,528 |
| Net loans and leases to total assets | 61.4484% | 3,495 |
| Net loans and leases to deposits | 106.5051% | 284 |
| Net loans and leases to core deposits | 159.2917% | 77 |
| Total domestic deposits to total assets | 57.6952% | 6,574 |
| Equity capital to assets | 9.6178% | 4,602 |
| Core capital (leverage) ratio | 9.2404% | 4,681 |
| Tier 1 risk-based capital ratio | 15.3703% | 3,427 |
| Total risk-based capital ratio | 17.0017% | 3,158 |
| Memoranda: | ||
| Average total assets | $1,409,439,000 | 487 |
| Average earning assets | $1,329,295,330 | 470 |
| Average equity | $131,429,670 | 550 |
| Average total loans | $873,471,000 | 504 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 3,751 |
| Cost of funding earning assets | 0.7582% | 936 |
| Net interest margin | 3.2271% | 4,828 |
| Noninterest income to average assets | 0.4953% | 3,447 |
| Noninterest expense to average assets | 1.8649% | 6,123 |
| Loan and lease loss provision to assets | 0.1320% | 1,840 |
| Net operating income to assets | 1.0858% | 1,872 |
| Return on assets (ROA) | 1.1658% | 1,649 |
| Pretax return on assets | 1.6557% | 1,065 |
| Return on Equity (ROE) | 12.7110% | 1,235 |
| Retained earnings to average equity (ytd only) | 8.5609% | 1,396 |
| Net charge-offs to loans | 0.0982% | 2,185 |
| Credit loss provision to net charge-offs | 217.0616% | 983 |
| Earnings coverage of net charge-offs (x) | 27.5213% | 1,105 |
| Efficiency ratio | 52.6346% | 6,106 |
| Assets per employee ($millions) | 6.7144% | 916 |
| Cash dividends to net income (ytd only)* | 32.6495% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 5,496 |
| Loan loss allowance to noncurrent loans | 93.6440% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 3,796 |
| Noncurrent loans to loans | 1.0747% | 3,272 |
| Net loans and leases to total assets | 61.1336% | 3,373 |
| Net loans and leases to deposits | 99.0457% | 489 |
| Net loans and leases to core deposits | 152.9275% | 90 |
| Total domestic deposits to total assets | 61.7226% | 6,625 |
| Equity capital to assets | 9.3718% | 4,667 |
| Core capital (leverage) ratio | 9.3030% | 4,573 |
| Tier 1 risk-based capital ratio | 15.3640% | 3,515 |
| Total risk-based capital ratio | 17.0264% | 3,246 |
| Memoranda: | ||
| Average total assets | $1,388,195,500 | 496 |
| Average earning assets | $1,308,919,500 | 478 |
| Average equity | $127,322,500 | 569 |
| Average total loans | $859,738,500 | 507 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 4,049 |
| Cost of funding earning assets | 0.9220% | 660 |
| Net interest margin | 3.0900% | 5,337 |
| Noninterest income to average assets | 0.5107% | 3,687 |
| Noninterest expense to average assets | 1.8633% | 6,241 |
| Loan and lease loss provision to assets | 0.1058% | 3,026 |
| Net operating income to assets | 1.0477% | 2,126 |
| Return on assets (ROA) | 1.0706% | 2,118 |
| Pretax return on assets | 1.4894% | 1,478 |
| Return on Equity (ROE) | 11.4234% | 1,625 |
| Retained earnings to average equity (ytd only) | 7.5366% | 1,220 |
| Net charge-offs to loans | 0.1243% | 3,567 |
| Credit loss provision to net charge-offs | 136.3462% | 1,721 |
| Earnings coverage of net charge-offs (x) | 20.1500% | 1,565 |
| Efficiency ratio | 54.2781% | 6,114 |
| Assets per employee ($millions) | 7.5444% | 587 |
| Cash dividends to net income (ytd only)* | 34.0255% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 5,606 |
| Loan loss allowance to noncurrent loans | 95.8710% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 3,981 |
| Noncurrent loans to loans | 1.0365% | 3,436 |
| Net loans and leases to total assets | 61.4958% | 3,441 |
| Net loans and leases to deposits | 100.9528% | 439 |
| Net loans and leases to core deposits | 145.1405% | 118 |
| Total domestic deposits to total assets | 60.9154% | 6,703 |
| Equity capital to assets | 8.9674% | 5,076 |
| Core capital (leverage) ratio | 9.1168% | 4,833 |
| Tier 1 risk-based capital ratio | 15.1639% | 3,566 |
| Total risk-based capital ratio | 16.8091% | 3,289 |
| Memoranda: | ||
| Average total assets | $1,340,450,800 | 495 |
| Average earning assets | $1,264,936,800 | 478 |
| Average equity | $125,627,600 | 565 |
| Average total loans | $836,718,200 | 495 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 4,148 |
| Cost of funding earning assets | 0.9471% | 654 |
| Net interest margin | 3.0476% | 5,473 |
| Noninterest income to average assets | 0.5130% | 3,719 |
| Noninterest expense to average assets | 1.8449% | 6,272 |
| Loan and lease loss provision to assets | 0.0929% | 3,217 |
| Net operating income to assets | 1.0440% | 2,207 |
| Return on assets (ROA) | 1.0779% | 2,172 |
| Pretax return on assets | 1.4986% | 1,611 |
| Return on Equity (ROE) | 11.3748% | 1,689 |
| Retained earnings to average equity (ytd only) | 7.2245% | 1,778 |
| Net charge-offs to loans | 0.1033% | 3,503 |
| Credit loss provision to net charge-offs | 143.8760% | 1,634 |
| Earnings coverage of net charge-offs (x) | 23.9255% | 1,447 |
| Efficiency ratio | 54.3243% | 6,084 |
| Assets per employee ($millions) | 7.3717% | 621 |
| Cash dividends to net income (ytd only)* | 36.4869% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 5,765 |
| Loan loss allowance to noncurrent loans | 107.8091% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 4,376 |
| Noncurrent loans to loans | 0.9189% | 3,981 |
| Net loans and leases to total assets | 60.7577% | 3,571 |
| Net loans and leases to deposits | 94.5626% | 788 |
| Net loans and leases to core deposits | 136.0654% | 135 |
| Total domestic deposits to total assets | 64.2513% | 6,744 |
| Equity capital to assets | 9.0446% | 5,137 |
| Core capital (leverage) ratio | 8.9769% | 5,158 |
| Tier 1 risk-based capital ratio | 14.9269% | 3,804 |
| Total risk-based capital ratio | 16.5687% | 3,514 |
| Memoranda: | ||
| Average total assets | $1,332,295,500 | 501 |
| Average earning assets | $1,257,406,750 | 484 |
| Average equity | $126,252,250 | 572 |
| Average total loans | $832,683,750 | 497 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 4,124 |
| Cost of funding earning assets | 0.9762% | 612 |
| Net interest margin | 3.0204% | 5,520 |
| Noninterest income to average assets | 0.5070% | 3,785 |
| Noninterest expense to average assets | 1.8243% | 6,333 |
| Loan and lease loss provision to assets | 0.1151% | 2,887 |
| Net operating income to assets | 1.0186% | 2,253 |
| Return on assets (ROA) | 1.0630% | 2,182 |
| Pretax return on assets | 1.4802% | 1,675 |
| Return on Equity (ROE) | 11.0415% | 1,799 |
| Retained earnings to average equity (ytd only) | 7.2616% | 1,765 |
| Net charge-offs to loans | 0.1661% | 2,783 |
| Credit loss provision to net charge-offs | 110.1744% | 2,007 |
| Earnings coverage of net charge-offs (x) | 14.6773% | 1,806 |
| Efficiency ratio | 54.2017% | 6,134 |
| Assets per employee ($millions) | 7.6274% | 526 |
| Cash dividends to net income (ytd only)* | 34.2335% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 5,965 |
| Loan loss allowance to noncurrent loans | 96.4454% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 4,229 |
| Noncurrent loans to loans | 0.9932% | 3,950 |
| Net loans and leases to total assets | 62.9017% | 3,117 |
| Net loans and leases to deposits | 98.7213% | 502 |
| Net loans and leases to core deposits | 142.0452% | 123 |
| Total domestic deposits to total assets | 63.7165% | 6,802 |
| Equity capital to assets | 9.0882% | 5,120 |
| Core capital (leverage) ratio | 9.1150% | 4,810 |
| Tier 1 risk-based capital ratio | 14.6382% | 4,009 |
| Total risk-based capital ratio | 16.2552% | 3,738 |
| Memoranda: | ||
| Average total assets | $1,316,889,330 | 503 |
| Average earning assets | $1,243,031,000 | 485 |
| Average equity | $126,776,000 | 571 |
| Average total loans | $828,267,330 | 501 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 4,064 |
| Cost of funding earning assets | 0.9982% | 617 |
| Net interest margin | 3.0143% | 5,527 |
| Noninterest income to average assets | 0.5171% | 3,659 |
| Noninterest expense to average assets | 1.8431% | 6,378 |
| Loan and lease loss provision to assets | 0.1083% | 2,890 |
| Net operating income to assets | 1.0020% | 2,214 |
| Return on assets (ROA) | 1.0597% | 2,112 |
| Pretax return on assets | 1.4962% | 1,565 |
| Return on Equity (ROE) | 10.6997% | 1,792 |
| Retained earnings to average equity (ytd only) | 6.2061% | 2,565 |
| Net charge-offs to loans | 0.1936% | 2,255 |
| Credit loss provision to net charge-offs | 89.3671% | 2,035 |
| Earnings coverage of net charge-offs (x) | 12.5722% | 1,586 |
| Efficiency ratio | 54.5968% | 6,183 |
| Assets per employee ($millions) | 8.5953% | 381 |
| Cash dividends to net income (ytd only)* | 41.9971% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 6,035 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 4,197 |
| Noncurrent loans to loans | 1.0514% | 4,039 |
| Net loans and leases to total assets | 61.9347% | 3,074 |
| Net loans and leases to deposits | 100.8690% | 320 |
| Net loans and leases to core deposits | 142.3922% | 117 |
| Total domestic deposits to total assets | 61.4011% | 6,905 |
| Equity capital to assets | 9.8777% | 4,307 |
| Core capital (leverage) ratio | 9.0946% | 4,725 |
| Tier 1 risk-based capital ratio | 14.6555% | 4,063 |
| Total risk-based capital ratio | 16.2974% | 3,761 |
| Memoranda: | ||
| Average total assets | $1,304,124,500 | 510 |
| Average earning assets | $1,232,654,500 | 492 |
| Average equity | $129,163,000 | 565 |
| Average total loans | $816,115,000 | 506 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 4,119 |
| Cost of funding earning assets | 1.1789% | 637 |
| Net interest margin | 3.1432% | 5,715 |
| Noninterest income to average assets | 0.5312% | 3,702 |
| Noninterest expense to average assets | 1.9706% | 6,384 |
| Loan and lease loss provision to assets | 0.1326% | 3,965 |
| Net operating income to assets | 0.9996% | 2,334 |
| Return on assets (ROA) | 1.0624% | 2,268 |
| Pretax return on assets | 1.4829% | 1,738 |
| Return on Equity (ROE) | 10.5927% | 1,942 |
| Retained earnings to average equity (ytd only) | 7.3134% | 1,419 |
| Net charge-offs to loans | 0.2281% | 3,567 |
| Credit loss provision to net charge-offs | 93.0180% | 3,348 |
| Earnings coverage of net charge-offs (x) | 10.7207% | 2,110 |
| Efficiency ratio | 56.1416% | 6,040 |
| Assets per employee ($millions) | 7.2320% | 697 |
| Cash dividends to net income (ytd only)* | 30.9581% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 5,992 |
| Loan loss allowance to noncurrent loans | 82.0614% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 4,080 |
| Noncurrent loans to loans | 1.2107% | 3,832 |
| Net loans and leases to total assets | 61.9859% | 3,255 |
| Net loans and leases to deposits | 101.4276% | 357 |
| Net loans and leases to core deposits | 137.8475% | 137 |
| Total domestic deposits to total assets | 61.1135% | 6,967 |
| Equity capital to assets | 9.9308% | 4,266 |
| Core capital (leverage) ratio | 8.9438% | 4,980 |
| Tier 1 risk-based capital ratio | 14.2898% | 4,173 |
| Total risk-based capital ratio | 15.9203% | 3,878 |
| Memoranda: | ||
| Average total assets | $1,245,724,200 | 529 |
| Average earning assets | $1,176,230,200 | 506 |
| Average equity | $124,935,400 | 577 |
| Average total loans | $778,638,000 | 526 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 4,283 |
| Cost of funding earning assets | 1.2034% | 683 |
| Net interest margin | 3.1394% | 5,842 |
| Noninterest income to average assets | 0.5316% | 3,733 |
| Noninterest expense to average assets | 1.9256% | 6,478 |
| Loan and lease loss provision to assets | 0.1409% | 3,773 |
| Net operating income to assets | 1.0194% | 2,410 |
| Return on assets (ROA) | 1.1003% | 2,283 |
| Pretax return on assets | 1.5433% | 1,744 |
| Return on Equity (ROE) | 10.9430% | 1,980 |
| Retained earnings to average equity (ytd only) | 7.4335% | 1,878 |
| Net charge-offs to loans | 0.2547% | 3,194 |
| Credit loss provision to net charge-offs | 88.5714% | 3,342 |
| Earnings coverage of net charge-offs (x) | 9.8680% | 2,262 |
| Efficiency ratio | 54.8970% | 6,154 |
| Assets per employee ($millions) | 7.1138% | 705 |
| Cash dividends to net income (ytd only)* | 32.0709% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,102 |
| Loan loss allowance to noncurrent loans | 74.9395% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.0814% | 4,133 |
| Noncurrent loans to loans | 1.3293% | 3,812 |
| Net loans and leases to total assets | 61.8175% | 3,419 |
| Net loans and leases to deposits | 98.2353% | 531 |
| Net loans and leases to core deposits | 130.4751% | 189 |
| Total domestic deposits to total assets | 62.9280% | 7,033 |
| Equity capital to assets | 10.0224% | 4,459 |
| Core capital (leverage) ratio | 8.8654% | 5,246 |
| Tier 1 risk-based capital ratio | 13.9879% | 4,534 |
| Total risk-based capital ratio | 15.6146% | 4,259 |
| Memoranda: | ||
| Average total assets | $1,231,715,750 | 535 |
| Average earning assets | $1,162,985,000 | 514 |
| Average equity | $123,850,500 | 582 |
| Average total loans | $769,546,500 | 523 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 4,278 |
| Cost of funding earning assets | 1.2311% | 711 |
| Net interest margin | 3.1446% | 5,876 |
| Noninterest income to average assets | 0.5108% | 3,854 |
| Noninterest expense to average assets | 1.8848% | 6,626 |
| Loan and lease loss provision to assets | 0.1445% | 3,713 |
| Net operating income to assets | 1.0342% | 2,324 |
| Return on assets (ROA) | 1.0995% | 2,273 |
| Pretax return on assets | 1.5419% | 1,740 |
| Return on Equity (ROE) | 10.9222% | 2,014 |
| Retained earnings to average equity (ytd only) | 6.8756% | 2,169 |
| Net charge-offs to loans | 0.1961% | 3,408 |
| Credit loss provision to net charge-offs | 117.9245% | 2,337 |
| Earnings coverage of net charge-offs (x) | 13.0081% | 1,831 |
| Efficiency ratio | 53.9502% | 6,320 |
| Assets per employee ($millions) | 7.0538% | 709 |
| Cash dividends to net income (ytd only)* | 37.0493% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 5,879 |
| Loan loss allowance to noncurrent loans | 76.3899% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.1118% | 4,162 |
| Noncurrent loans to loans | 1.4076% | 3,805 |
| Net loans and leases to total assets | 61.9085% | 3,461 |
| Net loans and leases to deposits | 104.1195% | 276 |
| Net loans and leases to core deposits | 148.0076% | 112 |
| Total domestic deposits to total assets | 59.4590% | 7,138 |
| Equity capital to assets | 10.0578% | 4,246 |
| Core capital (leverage) ratio | 9.1832% | 4,637 |
| Tier 1 risk-based capital ratio | 14.3667% | 4,199 |
| Total risk-based capital ratio | 16.0755% | 3,840 |
| Memoranda: | ||
| Average total assets | $1,210,716,670 | 545 |
| Average earning assets | $1,142,905,670 | 526 |
| Average equity | $121,880,330 | 589 |
| Average total loans | $756,591,330 | 535 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 4,049 |
| Cost of funding earning assets | 1.2665% | 728 |
| Net interest margin | 3.1988% | 5,784 |
| Noninterest income to average assets | 0.4869% | 4,006 |
| Noninterest expense to average assets | 1.8760% | 6,687 |
| Loan and lease loss provision to assets | 0.1389% | 3,621 |
| Net operating income to assets | 1.0494% | 2,290 |
| Return on assets (ROA) | 1.1016% | 2,263 |
| Pretax return on assets | 1.5641% | 1,691 |
| Return on Equity (ROE) | 10.9380% | 2,040 |
| Retained earnings to average equity (ytd only) | 7.1336% | 2,362 |
| Net charge-offs to loans | 0.1688% | 3,076 |
| Credit loss provision to net charge-offs | 131.7460% | 1,851 |
| Earnings coverage of net charge-offs (x) | 15.4476% | 1,417 |
| Efficiency ratio | 53.3040% | 6,411 |
| Assets per employee ($millions) | 7.4176% | 616 |
| Cash dividends to net income (ytd only)* | 34.7813% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 5,935 |
| Loan loss allowance to noncurrent loans | 73.0874% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2600% | 4,033 |
| Noncurrent loans to loans | 1.4905% | 3,883 |
| Net loans and leases to total assets | 61.7301% | 3,308 |
| Net loans and leases to deposits | 104.2010% | 248 |
| Net loans and leases to core deposits | 141.5824% | 139 |
| Total domestic deposits to total assets | 59.2413% | 7,201 |
| Equity capital to assets | 9.9432% | 4,198 |
| Core capital (leverage) ratio | 9.3413% | 4,295 |
| Tier 1 risk-based capital ratio | 14.3381% | 4,216 |
| Total risk-based capital ratio | 16.0723% | 3,838 |
| Memoranda: | ||
| Average total assets | $1,195,338,500 | 555 |
| Average earning assets | $1,127,536,000 | 530 |
| Average equity | $120,388,000 | 593 |
| Average total loans | $746,421,500 | 545 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 4,311 |
| Cost of funding earning assets | 1.5199% | 662 |
| Net interest margin | 3.1644% | 6,182 |
| Noninterest income to average assets | 0.5511% | 3,498 |
| Noninterest expense to average assets | 1.9500% | 6,762 |
| Loan and lease loss provision to assets | 0.2082% | 4,103 |
| Net operating income to assets | 0.9866% | 2,249 |
| Return on assets (ROA) | 1.0156% | 2,287 |
| Pretax return on assets | 1.4227% | 1,707 |
| Return on Equity (ROE) | 10.4889% | 1,875 |
| Retained earnings to average equity (ytd only) | 6.7368% | 1,621 |
| Net charge-offs to loans | 0.3711% | 3,551 |
| Credit loss provision to net charge-offs | 89.5662% | 4,027 |
| Earnings coverage of net charge-offs (x) | 6.8414% | 2,439 |
| Efficiency ratio | 54.9030% | 6,437 |
| Assets per employee ($millions) | 7.0713% | 704 |
| Cash dividends to net income (ytd only)* | 35.7724% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,702 |
| Loan loss allowance to noncurrent loans | 63.6941% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3375% | 3,995 |
| Noncurrent loans to loans | 1.7705% | 3,504 |
| Net loans and leases to total assets | 61.7758% | 3,648 |
| Net loans and leases to deposits | 99.6045% | 479 |
| Net loans and leases to core deposits | 138.5842% | 178 |
| Total domestic deposits to total assets | 62.0211% | 7,205 |
| Equity capital to assets | 10.2060% | 3,896 |
| Core capital (leverage) ratio | 9.4086% | 4,170 |
| Tier 1 risk-based capital ratio | 14.4203% | 4,031 |
| Total risk-based capital ratio | 16.1870% | 3,639 |
| Memoranda: | ||
| Average total assets | $1,150,569,200 | 563 |
| Average earning assets | $1,086,751,600 | 541 |
| Average equity | $111,403,400 | 619 |
| Average total loans | $720,568,000 | 572 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 4,366 |
| Cost of funding earning assets | 1.5580% | 701 |
| Net interest margin | 3.1600% | 6,260 |
| Noninterest income to average assets | 0.5482% | 3,527 |
| Noninterest expense to average assets | 1.9105% | 6,836 |
| Loan and lease loss provision to assets | 0.2151% | 3,866 |
| Net operating income to assets | 1.0047% | 2,300 |
| Return on assets (ROA) | 1.0531% | 2,269 |
| Pretax return on assets | 1.4750% | 1,721 |
| Return on Equity (ROE) | 11.0284% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.9195% | 2,016 |
| Net charge-offs to loans | 0.4077% | 3,092 |
| Credit loss provision to net charge-offs | 84.2057% | 3,996 |
| Earnings coverage of net charge-offs (x) | 6.3482% | 2,566 |
| Efficiency ratio | 53.9110% | 6,498 |
| Assets per employee ($millions) | 6.8348% | 806 |
| Cash dividends to net income (ytd only)* | 37.2570% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 5,721 |
| Loan loss allowance to noncurrent loans | 65.3757% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.2095% | 4,376 |
| Noncurrent loans to loans | 1.7461% | 3,706 |
| Net loans and leases to total assets | 61.1268% | 3,919 |
| Net loans and leases to deposits | 92.5097% | 968 |
| Net loans and leases to core deposits | 122.6001% | 328 |
| Total domestic deposits to total assets | 66.0761% | 7,196 |
| Equity capital to assets | 10.1487% | 4,155 |
| Core capital (leverage) ratio | 9.3149% | 4,428 |
| Tier 1 risk-based capital ratio | 14.4046% | 4,046 |
| Total risk-based capital ratio | 16.1904% | 3,670 |
| Memoranda: | ||
| Average total assets | $1,146,519,000 | 576 |
| Average earning assets | $1,082,755,250 | 551 |
| Average equity | $109,484,250 | 636 |
| Average total loans | $718,459,250 | 582 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 4,330 |
| Cost of funding earning assets | 1.6010% | 690 |
| Net interest margin | 3.1437% | 6,293 |
| Noninterest income to average assets | 0.5335% | 3,610 |
| Noninterest expense to average assets | 1.9011% | 6,946 |
| Loan and lease loss provision to assets | 0.1924% | 4,001 |
| Net operating income to assets | 1.0179% | 2,148 |
| Return on assets (ROA) | 1.0388% | 2,171 |
| Pretax return on assets | 1.4347% | 1,708 |
| Return on Equity (ROE) | 11.1128% | 1,759 |
| Retained earnings to average equity (ytd only) | 6.2916% | 2,250 |
| Net charge-offs to loans | 0.0181% | 5,584 |
| Credit loss provision to net charge-offs | 1,692.3077% | 202 |
| Earnings coverage of net charge-offs (x) | 140.5846% | 255 |
| Efficiency ratio | 54.1606% | 6,606 |
| Assets per employee ($millions) | 6.6606% | 856 |
| Cash dividends to net income (ytd only)* | 43.3838% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 5,048 |
| Loan loss allowance to noncurrent loans | 70.5826% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.2982% | 4,308 |
| Noncurrent loans to loans | 1.8473% | 3,685 |
| Net loans and leases to total assets | 62.6369% | 3,756 |
| Net loans and leases to deposits | 98.8431% | 553 |
| Net loans and leases to core deposits | 136.7451% | 209 |
| Total domestic deposits to total assets | 63.3700% | 7,325 |
| Equity capital to assets | 9.6345% | 4,621 |
| Core capital (leverage) ratio | 9.0681% | 4,615 |
| Tier 1 risk-based capital ratio | 13.6448% | 4,420 |
| Total risk-based capital ratio | 15.5480% | 3,915 |
| Memoranda: | ||
| Average total assets | $1,143,665,330 | 582 |
| Average earning assets | $1,078,847,000 | 556 |
| Average equity | $106,903,670 | 652 |
| Average total loans | $719,873,330 | 587 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 4,418 |
| Cost of funding earning assets | 1.6177% | 770 |
| Net interest margin | 3.1036% | 6,343 |
| Noninterest income to average assets | 0.5308% | 3,647 |
| Noninterest expense to average assets | 1.8867% | 7,011 |
| Loan and lease loss provision to assets | 0.1755% | 3,867 |
| Net operating income to assets | 0.9935% | 2,202 |
| Return on assets (ROA) | 1.0483% | 2,059 |
| Pretax return on assets | 1.4717% | 1,527 |
| Return on Equity (ROE) | 11.3918% | 1,626 |
| Retained earnings to average equity (ytd only) | 5.0206% | 3,181 |
| Net charge-offs to loans | -0.0521% | 6,899 |
| Credit loss provision to net charge-offs | -537.6344% | 5,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4079% | 6,658 |
| Assets per employee ($millions) | 7.0400% | 720 |
| Cash dividends to net income (ytd only)* | 55.9277% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 5,396 |
| Loan loss allowance to noncurrent loans | 66.8308% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.2436% | 4,463 |
| Noncurrent loans to loans | 1.8698% | 3,733 |
| Net loans and leases to total assets | 61.8599% | 3,885 |
| Net loans and leases to deposits | 101.8460% | 384 |
| Net loans and leases to core deposits | 132.5964% | 242 |
| Total domestic deposits to total assets | 60.7387% | 7,426 |
| Equity capital to assets | 9.0472% | 5,128 |
| Core capital (leverage) ratio | 9.0523% | 4,526 |
| Tier 1 risk-based capital ratio | 13.4251% | 4,480 |
| Total risk-based capital ratio | 15.2839% | 4,030 |
| Memoranda: | ||
| Average total assets | $1,139,354,000 | 591 |
| Average earning assets | $1,074,101,500 | 563 |
| Average equity | $104,847,000 | 662 |
| Average total loans | $714,164,000 | 597 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 4,574 |
| Cost of funding earning assets | 1.8988% | 846 |
| Net interest margin | 3.0984% | 6,522 |
| Noninterest income to average assets | 0.5735% | 3,642 |
| Noninterest expense to average assets | 1.9188% | 7,129 |
| Loan and lease loss provision to assets | 0.2143% | 5,109 |
| Net operating income to assets | 0.9803% | 2,106 |
| Return on assets (ROA) | 1.0618% | 1,922 |
| Pretax return on assets | 1.4732% | 1,442 |
| Return on Equity (ROE) | 10.8652% | 1,627 |
| Retained earnings to average equity (ytd only) | 7.0324% | 1,306 |
| Net charge-offs to loans | 0.2408% | 4,842 |
| Credit loss provision to net charge-offs | 141.8038% | 2,642 |
| Earnings coverage of net charge-offs (x) | 10.4193% | 1,705 |
| Efficiency ratio | 54.7314% | 6,742 |
| Assets per employee ($millions) | 6.7296% | 848 |
| Cash dividends to net income (ytd only)* | 35.2758% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 5,449 |
| Loan loss allowance to noncurrent loans | 62.1891% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2822% | 4,466 |
| Noncurrent loans to loans | 1.9507% | 3,631 |
| Net loans and leases to total assets | 61.9609% | 4,297 |
| Net loans and leases to deposits | 97.6751% | 746 |
| Net loans and leases to core deposits | 112.3033% | 799 |
| Total domestic deposits to total assets | 63.4357% | 7,454 |
| Equity capital to assets | 9.3636% | 4,594 |
| Core capital (leverage) ratio | 9.1014% | 4,356 |
| Tier 1 risk-based capital ratio | 13.7169% | 4,049 |
| Total risk-based capital ratio | 15.5576% | 3,627 |
| Memoranda: | ||
| Average total assets | $1,086,084,600 | 616 |
| Average earning assets | $1,023,409,800 | 587 |
| Average equity | $106,136,800 | 635 |
| Average total loans | $681,595,000 | 645 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0405% | 4,624 |
| Cost of funding earning assets | 1.9197% | 966 |
| Net interest margin | 3.1208% | 6,563 |
| Noninterest income to average assets | 0.5620% | 3,702 |
| Noninterest expense to average assets | 1.8860% | 7,226 |
| Loan and lease loss provision to assets | 0.1855% | 5,186 |
| Net operating income to assets | 1.0382% | 2,106 |
| Return on assets (ROA) | 1.1472% | 1,845 |
| Pretax return on assets | 1.5845% | 1,383 |
| Return on Equity (ROE) | 11.6131% | 1,615 |
| Retained earnings to average equity (ytd only) | 7.3561% | 1,666 |
| Net charge-offs to loans | 0.1525% | 5,087 |
| Credit loss provision to net charge-offs | 193.7984% | 1,843 |
| Earnings coverage of net charge-offs (x) | 16.9135% | 1,356 |
| Efficiency ratio | 53.6339% | 6,821 |
| Assets per employee ($millions) | 6.9778% | 778 |
| Cash dividends to net income (ytd only)* | 36.6566% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 5,205 |
| Loan loss allowance to noncurrent loans | 95.6220% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8184% | 5,457 |
| Noncurrent loans to loans | 1.3117% | 4,671 |
| Net loans and leases to total assets | 60.9835% | 4,721 |
| Net loans and leases to deposits | 96.1235% | 966 |
| Net loans and leases to core deposits | 113.8592% | 842 |
| Total domestic deposits to total assets | 63.4428% | 7,533 |
| Equity capital to assets | 9.7108% | 4,530 |
| Core capital (leverage) ratio | 9.1258% | 4,487 |
| Tier 1 risk-based capital ratio | 13.7130% | 4,045 |
| Total risk-based capital ratio | 15.5870% | 3,567 |
| Memoranda: | ||
| Average total assets | $1,078,328,750 | 615 |
| Average earning assets | $1,016,749,000 | 585 |
| Average equity | $106,520,500 | 623 |
| Average total loans | $676,826,250 | 646 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0692% | 4,616 |
| Cost of funding earning assets | 1.9250% | 1,129 |
| Net interest margin | 3.1441% | 6,478 |
| Noninterest income to average assets | 0.5395% | 3,798 |
| Noninterest expense to average assets | 1.8795% | 7,295 |
| Loan and lease loss provision to assets | 0.1962% | 4,905 |
| Net operating income to assets | 1.0357% | 2,060 |
| Return on assets (ROA) | 1.1472% | 1,767 |
| Pretax return on assets | 1.5788% | 1,361 |
| Return on Equity (ROE) | 11.5459% | 1,582 |
| Retained earnings to average equity (ytd only) | 7.0961% | 1,794 |
| Net charge-offs to loans | 0.1167% | 5,007 |
| Credit loss provision to net charge-offs | 266.4975% | 1,424 |
| Earnings coverage of net charge-offs (x) | 22.0355% | 1,149 |
| Efficiency ratio | 53.4845% | 6,935 |
| Assets per employee ($millions) | 7.5786% | 604 |
| Cash dividends to net income (ytd only)* | 38.5405% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 5,255 |
| Loan loss allowance to noncurrent loans | 99.2036% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.7878% | 5,537 |
| Noncurrent loans to loans | 1.2467% | 4,886 |
| Net loans and leases to total assets | 62.4091% | 4,603 |
| Net loans and leases to deposits | 101.1699% | 643 |
| Net loans and leases to core deposits | 123.6944% | 578 |
| Total domestic deposits to total assets | 61.6875% | 7,634 |
| Equity capital to assets | 9.6103% | 4,529 |
| Core capital (leverage) ratio | 9.1054% | 4,454 |
| Tier 1 risk-based capital ratio | 13.4691% | 4,085 |
| Total risk-based capital ratio | 15.3350% | 3,630 |
| Memoranda: | ||
| Average total assets | $1,070,276,000 | 619 |
| Average earning assets | $1,008,413,000 | 587 |
| Average equity | $106,340,670 | 619 |
| Average total loans | $675,476,670 | 647 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1675% | 4,211 |
| Cost of funding earning assets | 1.9531% | 1,238 |
| Net interest margin | 3.2144% | 6,252 |
| Noninterest income to average assets | 0.5168% | 3,925 |
| Noninterest expense to average assets | 1.8666% | 7,388 |
| Loan and lease loss provision to assets | 0.1881% | 4,621 |
| Net operating income to assets | 1.0674% | 1,939 |
| Return on assets (ROA) | 1.2174% | 1,569 |
| Pretax return on assets | 1.7011% | 1,057 |
| Return on Equity (ROE) | 12.0519% | 1,489 |
| Retained earnings to average equity (ytd only) | 7.2490% | 2,031 |
| Net charge-offs to loans | 0.0883% | 4,537 |
| Credit loss provision to net charge-offs | 337.8378% | 1,187 |
| Earnings coverage of net charge-offs (x) | 30.1959% | 864 |
| Efficiency ratio | 52.4385% | 7,109 |
| Assets per employee ($millions) | 7.0838% | 782 |
| Cash dividends to net income (ytd only)* | 39.8517% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 5,427 |
| Loan loss allowance to noncurrent loans | 83.2501% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.0034% | 5,142 |
| Noncurrent loans to loans | 1.4594% | 4,555 |
| Net loans and leases to total assets | 62.9047% | 4,558 |
| Net loans and leases to deposits | 99.8433% | 764 |
| Net loans and leases to core deposits | 126.7404% | 567 |
| Total domestic deposits to total assets | 63.0034% | 7,699 |
| Equity capital to assets | 9.5258% | 4,495 |
| Core capital (leverage) ratio | 9.0260% | 4,516 |
| Tier 1 risk-based capital ratio | 13.4476% | 4,021 |
| Total risk-based capital ratio | 15.3038% | 3,585 |
| Memoranda: | ||
| Average total assets | $1,063,541,500 | 637 |
| Average earning assets | $1,002,734,500 | 610 |
| Average equity | $107,435,500 | 612 |
| Average total loans | $670,802,000 | 676 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4879% | 4,206 |
| Cost of funding earning assets | 2.1284% | 2,332 |
| Net interest margin | 3.3594% | 5,524 |
| Noninterest income to average assets | 0.5661% | 3,900 |
| Noninterest expense to average assets | 1.9719% | 7,405 |
| Loan and lease loss provision to assets | 0.3064% | 4,985 |
| Net operating income to assets | 1.0605% | 1,626 |
| Return on assets (ROA) | 1.0651% | 1,654 |
| Pretax return on assets | 1.4735% | 1,255 |
| Return on Equity (ROE) | 12.4338% | 1,066 |
| Retained earnings to average equity (ytd only) | 8.3179% | 624 |
| Net charge-offs to loans | 0.1282% | 5,916 |
| Credit loss provision to net charge-offs | 382.2408% | 832 |
| Earnings coverage of net charge-offs (x) | 22.1275% | 975 |
| Efficiency ratio | 52.4779% | 7,350 |
| Assets per employee ($millions) | 6.6148% | 936 |
| Cash dividends to net income (ytd only)* | 33.1031% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 5,548 |
| Loan loss allowance to noncurrent loans | 85.1662% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.9359% | 5,233 |
| Noncurrent loans to loans | 1.3704% | 4,632 |
| Net loans and leases to total assets | 61.7466% | 5,042 |
| Net loans and leases to deposits | 103.1665% | 688 |
| Net loans and leases to core deposits | 122.5264% | 1,745 |
| Total domestic deposits to total assets | 59.8514% | 7,804 |
| Equity capital to assets | 10.6689% | 3,001 |
| Core capital (leverage) ratio | 10.4323% | 2,667 |
| Tier 1 risk-based capital ratio | 15.4710% | 2,730 |
| Total risk-based capital ratio | 17.2639% | 2,450 |
| Memoranda: | ||
| Average total assets | $1,046,826,800 | 644 |
| Average earning assets | $990,674,600 | 608 |
| Average equity | $89,674,600 | 723 |
| Average total loans | $654,278,400 | 713 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5613% | 4,092 |
| Cost of funding earning assets | 2.1523% | 2,632 |
| Net interest margin | 3.4091% | 5,224 |
| Noninterest income to average assets | 0.5552% | 4,039 |
| Noninterest expense to average assets | 1.9028% | 7,545 |
| Loan and lease loss provision to assets | 0.3276% | 4,369 |
| Net operating income to assets | 1.1112% | 1,706 |
| Return on assets (ROA) | 1.1618% | 1,615 |
| Pretax return on assets | 1.6267% | 1,119 |
| Return on Equity (ROE) | 14.4775% | 842 |
| Retained earnings to average equity (ytd only) | 9.9353% | 648 |
| Net charge-offs to loans | 0.1433% | 5,269 |
| Credit loss provision to net charge-offs | 365.8083% | 1,108 |
| Earnings coverage of net charge-offs (x) | 21.0257% | 1,217 |
| Efficiency ratio | 50.0914% | 7,546 |
| Assets per employee ($millions) | 6.5027% | 982 |
| Cash dividends to net income (ytd only)* | 31.3741% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 5,622 |
| Loan loss allowance to noncurrent loans | 97.6993% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 5,606 |
| Noncurrent loans to loans | 1.1421% | 5,037 |
| Net loans and leases to total assets | 61.0693% | 5,413 |
| Net loans and leases to deposits | 104.4883% | 739 |
| Net loans and leases to core deposits | 122.2700% | 2,046 |
| Total domestic deposits to total assets | 58.4460% | 7,900 |
| Equity capital to assets | 8.9572% | 5,543 |
| Core capital (leverage) ratio | 8.3742% | 5,701 |
| Tier 1 risk-based capital ratio | 12.9753% | 4,205 |
| Total risk-based capital ratio | 14.7783% | 3,764 |
| Memoranda: | ||
| Average total assets | $1,040,632,750 | 659 |
| Average earning assets | $986,167,250 | 622 |
| Average equity | $83,511,250 | 782 |
| Average total loans | $650,475,000 | 737 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5970% | 4,097 |
| Cost of funding earning assets | 2.1724% | 2,922 |
| Net interest margin | 3.4246% | 5,081 |
| Noninterest income to average assets | 0.5030% | 4,417 |
| Noninterest expense to average assets | 1.9675% | 7,519 |
| Loan and lease loss provision to assets | 0.2901% | 4,255 |
| Net operating income to assets | 1.0630% | 1,904 |
| Return on assets (ROA) | 1.1141% | 1,804 |
| Pretax return on assets | 1.5630% | 1,296 |
| Return on Equity (ROE) | 14.4565% | 918 |
| Retained earnings to average equity (ytd only) | 9.9045% | 755 |
| Net charge-offs to loans | 0.0690% | 5,545 |
| Credit loss provision to net charge-offs | 669.6429% | 695 |
| Earnings coverage of net charge-offs (x) | 41.1161% | 797 |
| Efficiency ratio | 52.3112% | 7,491 |
| Assets per employee ($millions) | 6.4834% | 974 |
| Cash dividends to net income (ytd only)* | 31.4876% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 6,155 |
| Loan loss allowance to noncurrent loans | 111.4021% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 5,866 |
| Noncurrent loans to loans | 0.9069% | 5,404 |
| Net loans and leases to total assets | 61.5693% | 5,426 |
| Net loans and leases to deposits | 103.6991% | 934 |
| Net loans and leases to core deposits | 133.1834% | 1,361 |
| Total domestic deposits to total assets | 59.3730% | 7,950 |
| Equity capital to assets | 8.0468% | 6,696 |
| Core capital (leverage) ratio | 7.9825% | 6,365 |
| Tier 1 risk-based capital ratio | 12.4345% | 4,569 |
| Total risk-based capital ratio | 14.1389% | 4,134 |
| Memoranda: | ||
| Average total assets | $1,034,195,670 | 677 |
| Average earning assets | $980,130,670 | 637 |
| Average equity | $79,701,330 | 830 |
| Average total loans | $649,098,670 | 762 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 4,677 |
| Cost of funding earning assets | 2.2499% | 2,917 |
| Net interest margin | 3.2935% | 5,516 |
| Noninterest income to average assets | 0.4691% | 4,598 |
| Noninterest expense to average assets | 1.9394% | 7,467 |
| Loan and lease loss provision to assets | 0.2617% | 3,866 |
| Net operating income to assets | 0.9833% | 2,384 |
| Return on assets (ROA) | 1.0984% | 2,097 |
| Pretax return on assets | 1.5549% | 1,523 |
| Return on Equity (ROE) | 14.5914% | 1,054 |
| Retained earnings to average equity (ytd only) | 10.8795% | 997 |
| Net charge-offs to loans | 0.1273% | 3,945 |
| Credit loss provision to net charge-offs | 325.9804% | 1,523 |
| Earnings coverage of net charge-offs (x) | 20.6078% | 1,365 |
| Efficiency ratio | 53.7779% | 7,240 |
| Assets per employee ($millions) | 6.7176% | 869 |
| Cash dividends to net income (ytd only)* | 25.4389% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 6,694 |
| Loan loss allowance to noncurrent loans | 133.3484% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 6,068 |
| Noncurrent loans to loans | 0.6831% | 5,699 |
| Net loans and leases to total assets | 60.5266% | 5,568 |
| Net loans and leases to deposits | 103.1819% | 1,071 |
| Net loans and leases to core deposits | 131.3121% | 1,583 |
| Total domestic deposits to total assets | 58.6601% | 7,997 |
| Equity capital to assets | 8.2184% | 6,513 |
| Core capital (leverage) ratio | 8.3694% | 5,773 |
| Tier 1 risk-based capital ratio | 12.6490% | 4,436 |
| Total risk-based capital ratio | 14.2965% | 4,072 |
| Memoranda: | ||
| Average total assets | $1,016,410,000 | 680 |
| Average earning assets | $964,329,500 | 653 |
| Average equity | $76,511,000 | 867 |
| Average total loans | $640,963,000 | 771 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1369% | 4,852 |
| Cost of funding earning assets | 3.0234% | 1,785 |
| Net interest margin | 3.1134% | 6,610 |
| Noninterest income to average assets | 0.7838% | 2,597 |
| Noninterest expense to average assets | 2.1006% | 7,236 |
| Loan and lease loss provision to assets | 0.2153% | 4,738 |
| Net operating income to assets | 0.9789% | 2,642 |
| Return on assets (ROA) | 0.9162% | 2,783 |
| Pretax return on assets | 1.3123% | 2,271 |
| Return on Equity (ROE) | 12.6836% | 1,413 |
| Retained earnings to average equity (ytd only) | 1.8553% | 4,074 |
| Net charge-offs to loans | 0.2112% | 4,095 |
| Credit loss provision to net charge-offs | 154.4118% | 3,381 |
| Earnings coverage of net charge-offs (x) | 11.5998% | 2,355 |
| Efficiency ratio | 56.3070% | 6,965 |
| Assets per employee ($millions) | 6.3911% | 935 |
| Cash dividends to net income (ytd only)* | 85.3727% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 6,857 |
| Loan loss allowance to noncurrent loans | 123.6603% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 5,837 |
| Noncurrent loans to loans | 0.6951% | 5,296 |
| Net loans and leases to total assets | 64.6624% | 5,140 |
| Net loans and leases to deposits | 108.5522% | 935 |
| Net loans and leases to core deposits | 122.3626% | 2,468 |
| Total domestic deposits to total assets | 59.5680% | 7,980 |
| Equity capital to assets | 6.7728% | 7,842 |
| Core capital (leverage) ratio | 6.6512% | 7,873 |
| Tier 1 risk-based capital ratio | 10.0282% | 6,704 |
| Total risk-based capital ratio | 11.6885% | 6,152 |
| Memoranda: | ||
| Average total assets | $926,753,000 | 719 |
| Average earning assets | $873,308,000 | 692 |
| Average equity | $66,944,600 | 995 |
| Average total loans | $611,663,800 | 781 |