Home > Bristol County Savings Bank > Performance and Condition Ratios
Bristol County Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 3,509 |
| Cost of funding earning assets | 1.7403% | 2,613 |
| Net interest margin | 3.0239% | 3,353 |
| Noninterest income to average assets | 0.6100% | 1,305 |
| Noninterest expense to average assets | 2.7720% | 1,570 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.5341% | 3,509 |
| Return on assets (ROA) | 0.3636% | 3,806 |
| Pretax return on assets | 0.4535% | 3,780 |
| Return on Equity (ROE) | 2.5200% | 3,932 |
| Retained earnings to average equity (ytd only) | 2.5219% | 3,205 |
| Net charge-offs to loans | 0.0150% | 1,718 |
| Credit loss provision to net charge-offs | -270.3297% | 4,404 |
| Earnings coverage of net charge-offs (x) | 61.0110% | 910 |
| Efficiency ratio | 78.5320% | 1,040 |
| Assets per employee ($millions) | 7.6358% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 3,503 |
| Loan loss allowance to noncurrent loans | 142.8166% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 1,419 |
| Noncurrent loans to loans | 0.6544% | 1,540 |
| Net loans and leases to total assets | 79.1500% | 689 |
| Net loans and leases to deposits | 94.1252% | 755 |
| Net loans and leases to core deposits | 105.8819% | 1,034 |
| Total domestic deposits to total assets | 84.0900% | 2,875 |
| Equity capital to assets | 14.4615% | 634 |
| Core capital (leverage) ratio | 14.2165% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5715% | 700 |
| Memoranda: | ||
| Average total assets | $3,016,731,500 | 421 |
| Average earning assets | $2,889,919,500 | 395 |
| Average equity | $434,906,000 | 333 |
| Average total loans | $2,430,708,500 | 375 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 3,656 |
| Cost of funding earning assets | 1.9844% | 2,256 |
| Net interest margin | 2.6772% | 3,648 |
| Noninterest income to average assets | 0.6600% | 1,305 |
| Noninterest expense to average assets | 2.5677% | 2,115 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.4810% | 3,528 |
| Return on assets (ROA) | 0.4548% | 3,598 |
| Pretax return on assets | 0.5671% | 3,527 |
| Return on Equity (ROE) | 3.3800% | 3,799 |
| Retained earnings to average equity (ytd only) | 3.3750% | 2,884 |
| Net charge-offs to loans | 0.0301% | 1,972 |
| Credit loss provision to net charge-offs | 179.6657% | 1,227 |
| Earnings coverage of net charge-offs (x) | 27.9986% | 1,585 |
| Efficiency ratio | 79.1775% | 1,113 |
| Assets per employee ($millions) | 7.8436% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 3,496 |
| Loan loss allowance to noncurrent loans | 135.7341% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 1,288 |
| Noncurrent loans to loans | 0.6938% | 1,413 |
| Net loans and leases to total assets | 80.4400% | 604 |
| Net loans and leases to deposits | 95.7332% | 729 |
| Net loans and leases to core deposits | 108.5381% | 1,001 |
| Total domestic deposits to total assets | 84.0300% | 2,781 |
| Equity capital to assets | 14.1472% | 659 |
| Core capital (leverage) ratio | 14.0212% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9880% | 769 |
| Memoranda: | ||
| Average total assets | $3,073,188,800 | 398 |
| Average earning assets | $2,944,114,400 | 377 |
| Average equity | $414,133,200 | 327 |
| Average total loans | $2,386,719,600 | 370 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 3,744 |
| Cost of funding earning assets | 2.0092% | 2,193 |
| Net interest margin | 2.5574% | 3,807 |
| Noninterest income to average assets | 0.6500% | 1,305 |
| Noninterest expense to average assets | 2.4960% | 2,261 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.4115% | 3,660 |
| Return on assets (ROA) | 0.6587% | 3,102 |
| Pretax return on assets | 0.8777% | 2,857 |
| Return on Equity (ROE) | 4.9500% | 3,543 |
| Retained earnings to average equity (ytd only) | 4.9480% | 2,489 |
| Net charge-offs to loans | 0.0378% | 1,576 |
| Credit loss provision to net charge-offs | 155.4235% | 1,256 |
| Earnings coverage of net charge-offs (x) | 20.8945% | 1,718 |
| Efficiency ratio | 79.9118% | 1,084 |
| Assets per employee ($millions) | 7.1870% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 3,509 |
| Loan loss allowance to noncurrent loans | 136.0698% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 1,310 |
| Noncurrent loans to loans | 0.6943% | 1,416 |
| Net loans and leases to total assets | 77.8100% | 890 |
| Net loans and leases to deposits | 94.1898% | 846 |
| Net loans and leases to core deposits | 106.5383% | 1,108 |
| Total domestic deposits to total assets | 82.6100% | 2,956 |
| Equity capital to assets | 13.8380% | 766 |
| Core capital (leverage) ratio | 13.8937% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0209% | 790 |
| Memoranda: | ||
| Average total assets | $3,090,459,500 | 390 |
| Average earning assets | $2,959,965,000 | 372 |
| Average equity | $411,417,500 | 324 |
| Average total loans | $2,373,530,250 | 364 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4888% | 3,797 |
| Cost of funding earning assets | 1.9897% | 2,140 |
| Net interest margin | 2.4992% | 3,879 |
| Noninterest income to average assets | 0.7200% | 1,042 |
| Noninterest expense to average assets | 2.5069% | 2,224 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.4063% | 3,645 |
| Return on assets (ROA) | 0.7593% | 2,779 |
| Pretax return on assets | 1.0119% | 2,444 |
| Return on Equity (ROE) | 5.7800% | 3,337 |
| Retained earnings to average equity (ytd only) | 5.7794% | 2,088 |
| Net charge-offs to loans | 0.0548% | 1,229 |
| Credit loss provision to net charge-offs | 112.0556% | 1,398 |
| Earnings coverage of net charge-offs (x) | 14.5394% | 1,806 |
| Efficiency ratio | 79.9648% | 1,126 |
| Assets per employee ($millions) | 8.4377% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 3,566 |
| Loan loss allowance to noncurrent loans | 139.4998% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 1,305 |
| Noncurrent loans to loans | 0.6713% | 1,368 |
| Net loans and leases to total assets | 76.3700% | 1,134 |
| Net loans and leases to deposits | 91.6964% | 1,153 |
| Net loans and leases to core deposits | 105.0334% | 1,202 |
| Total domestic deposits to total assets | 83.2900% | 2,799 |
| Equity capital to assets | 13.2221% | 819 |
| Core capital (leverage) ratio | 13.5703% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7881% | 807 |
| Memoranda: | ||
| Average total assets | $3,097,658,000 | 394 |
| Average earning assets | $2,968,348,333 | 371 |
| Average equity | $407,000,000 | 327 |
| Average total loans | $2,361,164,333 | 368 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 3,951 |
| Cost of funding earning assets | 1.9623% | 2,090 |
| Net interest margin | 2.3481% | 4,061 |
| Noninterest income to average assets | 0.9400% | 620 |
| Noninterest expense to average assets | 2.4969% | 2,254 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.4671% | 3,474 |
| Return on assets (ROA) | 1.1982% | 1,448 |
| Pretax return on assets | 1.6012% | 1,092 |
| Return on Equity (ROE) | 9.1900% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.1928% | 1,276 |
| Net charge-offs to loans | 0.1085% | 691 |
| Credit loss provision to net charge-offs | 21.5748% | 1,518 |
| Earnings coverage of net charge-offs (x) | 8.4047% | 1,713 |
| Efficiency ratio | 77.8062% | 1,371 |
| Assets per employee ($millions) | 7.9793% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 3,576 |
| Loan loss allowance to noncurrent loans | 136.7485% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 1,222 |
| Noncurrent loans to loans | 0.6849% | 1,291 |
| Net loans and leases to total assets | 75.4100% | 1,152 |
| Net loans and leases to deposits | 90.9158% | 1,135 |
| Net loans and leases to core deposits | 104.9342% | 1,158 |
| Total domestic deposits to total assets | 82.9500% | 2,993 |
| Equity capital to assets | 13.3078% | 791 |
| Core capital (leverage) ratio | 13.7935% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5727% | 734 |
| Memoranda: | ||
| Average total assets | $3,089,736,000 | 398 |
| Average earning assets | $2,962,574,500 | 375 |
| Average equity | $402,707,500 | 332 |
| Average total loans | $2,341,601,000 | 370 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,806 |
| Cost of funding earning assets | 1.6323% | 1,608 |
| Net interest margin | 2.4693% | 4,120 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.3435% | 2,733 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3698% | 3,925 |
| Return on assets (ROA) | 0.6461% | 3,299 |
| Pretax return on assets | 0.7880% | 3,239 |
| Return on Equity (ROE) | 5.3700% | 3,655 |
| Retained earnings to average equity (ytd only) | 5.0437% | 2,594 |
| Net charge-offs to loans | 0.0067% | 2,434 |
| Credit loss provision to net charge-offs | 308.9172% | 938 |
| Earnings coverage of net charge-offs (x) | 92.0064% | 943 |
| Efficiency ratio | 82.8799% | 732 |
| Assets per employee ($millions) | 8.1135% | 1,381 |
| Cash dividends to net income (ytd only)* | 5.9926% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 3,512 |
| Loan loss allowance to noncurrent loans | 138.4573% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 1,080 |
| Noncurrent loans to loans | 0.6901% | 1,141 |
| Net loans and leases to total assets | 74.7300% | 1,268 |
| Net loans and leases to deposits | 94.2511% | 920 |
| Net loans and leases to core deposits | 107.8371% | 1,043 |
| Total domestic deposits to total assets | 79.2900% | 3,570 |
| Equity capital to assets | 12.7627% | 916 |
| Core capital (leverage) ratio | 13.2387% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0736% | 1,515 |
| Memoranda: | ||
| Average total assets | $3,112,118,800 | 384 |
| Average earning assets | $2,978,899,200 | 363 |
| Average equity | $374,781,000 | 330 |
| Average total loans | $2,337,803,200 | 360 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 3,742 |
| Cost of funding earning assets | 1.5440% | 1,498 |
| Net interest margin | 2.5130% | 4,125 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.3509% | 2,653 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.4350% | 3,901 |
| Return on assets (ROA) | 0.1141% | 4,327 |
| Pretax return on assets | 0.1227% | 4,327 |
| Return on Equity (ROE) | 0.9600% | 4,320 |
| Retained earnings to average equity (ytd only) | 0.6101% | 4,027 |
| Net charge-offs to loans | 0.0068% | 2,188 |
| Credit loss provision to net charge-offs | 327.5000% | 834 |
| Earnings coverage of net charge-offs (x) | 93.4250% | 956 |
| Efficiency ratio | 82.4579% | 701 |
| Assets per employee ($millions) | 7.8953% | 1,399 |
| Cash dividends to net income (ytd only)* | 36.5854% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 3,600 |
| Loan loss allowance to noncurrent loans | 155.6996% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 1,277 |
| Noncurrent loans to loans | 0.6030% | 1,337 |
| Net loans and leases to total assets | 75.0300% | 1,231 |
| Net loans and leases to deposits | 92.9957% | 968 |
| Net loans and leases to core deposits | 107.0281% | 975 |
| Total domestic deposits to total assets | 80.6800% | 3,433 |
| Equity capital to assets | 11.5747% | 1,161 |
| Core capital (leverage) ratio | 12.8136% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2351% | 1,806 |
| Memoranda: | ||
| Average total assets | $3,113,285,000 | 386 |
| Average earning assets | $2,977,930,500 | 365 |
| Average equity | $369,327,250 | 336 |
| Average total loans | $2,336,104,750 | 363 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,754 |
| Cost of funding earning assets | 1.4364% | 1,366 |
| Net interest margin | 2.5316% | 4,179 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.2054% | 3,054 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4872% | 3,833 |
| Return on assets (ROA) | 0.4637% | 3,889 |
| Pretax return on assets | 0.5750% | 3,841 |
| Return on Equity (ROE) | 3.8800% | 4,041 |
| Retained earnings to average equity (ytd only) | 3.5135% | 3,347 |
| Net charge-offs to loans | 0.0059% | 2,035 |
| Credit loss provision to net charge-offs | 363.7681% | 769 |
| Earnings coverage of net charge-offs (x) | 139.3188% | 779 |
| Efficiency ratio | 77.4843% | 1,041 |
| Assets per employee ($millions) | 7.7860% | 1,426 |
| Cash dividends to net income (ytd only)* | 9.3802% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 3,630 |
| Loan loss allowance to noncurrent loans | 155.0331% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 1,166 |
| Noncurrent loans to loans | 0.6114% | 1,221 |
| Net loans and leases to total assets | 74.4900% | 1,226 |
| Net loans and leases to deposits | 93.6436% | 895 |
| Net loans and leases to core deposits | 101.4908% | 1,159 |
| Total domestic deposits to total assets | 79.5500% | 3,645 |
| Equity capital to assets | 12.0012% | 1,049 |
| Core capital (leverage) ratio | 13.0635% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3833% | 1,766 |
| Memoranda: | ||
| Average total assets | $3,103,605,000 | 377 |
| Average earning assets | $2,969,241,667 | 357 |
| Average equity | $371,198,000 | 323 |
| Average total loans | $2,321,464,000 | 352 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 3,726 |
| Cost of funding earning assets | 1.2922% | 1,247 |
| Net interest margin | 2.5836% | 4,224 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.9362% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6431% | 3,601 |
| Return on assets (ROA) | 0.3335% | 4,156 |
| Pretax return on assets | 0.5123% | 3,976 |
| Return on Equity (ROE) | 2.7900% | 4,211 |
| Retained earnings to average equity (ytd only) | 2.5768% | 3,585 |
| Net charge-offs to loans | 0.0080% | 1,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 152.2174% | 606 |
| Efficiency ratio | 67.5614% | 2,027 |
| Assets per employee ($millions) | 7.6600% | 1,527 |
| Cash dividends to net income (ytd only)* | 7.7519% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 3,704 |
| Loan loss allowance to noncurrent loans | 897.2301% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,001 |
| Noncurrent loans to loans | 0.1063% | 3,002 |
| Net loans and leases to total assets | 73.9200% | 1,213 |
| Net loans and leases to deposits | 91.4933% | 953 |
| Net loans and leases to core deposits | 97.8836% | 1,182 |
| Total domestic deposits to total assets | 80.8000% | 3,665 |
| Equity capital to assets | 12.0657% | 977 |
| Core capital (leverage) ratio | 12.9580% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5550% | 1,779 |
| Memoranda: | ||
| Average total assets | $3,094,322,000 | 389 |
| Average earning assets | $2,959,938,000 | 371 |
| Average equity | $369,447,500 | 336 |
| Average total loans | $2,308,173,000 | 364 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 3,372 |
| Cost of funding earning assets | 0.3775% | 2,280 |
| Net interest margin | 3.0102% | 3,425 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.2154% | 2,986 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9484% | 2,778 |
| Return on assets (ROA) | 0.1730% | 4,446 |
| Pretax return on assets | 0.1542% | 4,469 |
| Return on Equity (ROE) | 1.4400% | 4,442 |
| Retained earnings to average equity (ytd only) | 1.2336% | 4,151 |
| Net charge-offs to loans | -0.0210% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.9871% | 1,825 |
| Assets per employee ($millions) | 8.4076% | 1,140 |
| Cash dividends to net income (ytd only)* | 14.5186% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 3,579 |
| Loan loss allowance to noncurrent loans | 873.8321% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 2,984 |
| Noncurrent loans to loans | 0.1095% | 2,985 |
| Net loans and leases to total assets | 73.8400% | 1,229 |
| Net loans and leases to deposits | 94.5085% | 747 |
| Net loans and leases to core deposits | 99.4764% | 1,030 |
| Total domestic deposits to total assets | 78.1300% | 4,079 |
| Equity capital to assets | 11.8134% | 988 |
| Core capital (leverage) ratio | 13.2396% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3121% | 1,845 |
| Memoranda: | ||
| Average total assets | $3,013,199,000 | 390 |
| Average earning assets | $2,894,796,400 | 373 |
| Average equity | $361,292,400 | 334 |
| Average total loans | $2,177,038,000 | 355 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2759% | 3,248 |
| Cost of funding earning assets | 0.2067% | 3,195 |
| Net interest margin | 3.0693% | 3,021 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.2152% | 2,888 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8606% | 3,030 |
| Return on assets (ROA) | -0.6248% | 4,677 |
| Pretax return on assets | -0.8710% | 4,687 |
| Return on Equity (ROE) | -5.1900% | 4,666 |
| Retained earnings to average equity (ytd only) | -5.4710% | 4,612 |
| Net charge-offs to loans | -0.0293% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.7291% | 2,065 |
| Assets per employee ($millions) | 8.6234% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,644 |
| Loan loss allowance to noncurrent loans | 991.4933% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,174 |
| Noncurrent loans to loans | 0.0971% | 3,185 |
| Net loans and leases to total assets | 73.5300% | 1,135 |
| Net loans and leases to deposits | 89.7586% | 904 |
| Net loans and leases to core deposits | 93.8060% | 1,106 |
| Total domestic deposits to total assets | 81.9200% | 3,850 |
| Equity capital to assets | 10.9803% | 1,188 |
| Core capital (leverage) ratio | 12.2854% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1113% | 2,012 |
| Memoranda: | ||
| Average total assets | $2,993,001,000 | 393 |
| Average earning assets | $2,879,318,000 | 374 |
| Average equity | $360,239,500 | 338 |
| Average total loans | $2,144,646,000 | 356 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1317% | 3,236 |
| Cost of funding earning assets | 0.1352% | 3,770 |
| Net interest margin | 2.9964% | 2,888 |
| Noninterest income to average assets | 0.3041% | 3,342 |
| Noninterest expense to average assets | 2.1483% | 3,006 |
| Loan and lease loss provision to assets | 0.0411% | 1,839 |
| Net operating income to assets | 1.1235% | 1,686 |
| Return on assets (ROA) | -0.5942% | 4,677 |
| Pretax return on assets | -1.1635% | 4,709 |
| Return on Equity (ROE) | -4.7965% | 4,669 |
| Retained earnings to average equity (ytd only) | -5.0972% | 4,548 |
| Net charge-offs to loans | -0.0454% | 4,201 |
| Credit loss provision to net charge-offs | -128.1250% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7253% | 2,409 |
| Assets per employee ($millions) | 9.0130% | 883 |
| Cash dividends to net income (ytd only)* | -6.2690% | 4,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,681 |
| Loan loss allowance to noncurrent loans | 1,091.3021% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,315 |
| Noncurrent loans to loans | 0.0899% | 3,322 |
| Net loans and leases to total assets | 72.8147% | 1,027 |
| Net loans and leases to deposits | 84.6670% | 1,073 |
| Net loans and leases to core deposits | 88.7577% | 1,187 |
| Total domestic deposits to total assets | 86.0013% | 3,246 |
| Equity capital to assets | 11.7484% | 951 |
| Core capital (leverage) ratio | 12.9490% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3603% | 1,913 |
| Memoranda: | ||
| Average total assets | $2,990,348,667 | 387 |
| Average earning assets | $2,883,899,667 | 370 |
| Average equity | $370,481,333 | 336 |
| Average total loans | $2,116,827,333 | 352 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0158% | 3,207 |
| Cost of funding earning assets | 0.1249% | 3,837 |
| Net interest margin | 2.8909% | 2,869 |
| Noninterest income to average assets | 0.2879% | 3,400 |
| Noninterest expense to average assets | 2.1360% | 3,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0479% | 1,700 |
| Return on assets (ROA) | 0.1760% | 4,330 |
| Pretax return on assets | 0.0750% | 4,469 |
| Return on Equity (ROE) | 1.3848% | 4,361 |
| Retained earnings to average equity (ytd only) | 1.2010% | 3,776 |
| Net charge-offs to loans | -0.0988% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7308% | 2,408 |
| Assets per employee ($millions) | 9.1849% | 860 |
| Cash dividends to net income (ytd only)* | 13.2676% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,753 |
| Loan loss allowance to noncurrent loans | 1,166.7971% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,461 |
| Noncurrent loans to loans | 0.0853% | 3,413 |
| Net loans and leases to total assets | 69.1142% | 1,105 |
| Net loans and leases to deposits | 80.9800% | 1,078 |
| Net loans and leases to core deposits | 85.4336% | 1,164 |
| Total domestic deposits to total assets | 85.3473% | 3,456 |
| Equity capital to assets | 12.3843% | 834 |
| Core capital (leverage) ratio | 13.5078% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8827% | 1,847 |
| Memoranda: | ||
| Average total assets | $2,998,374,000 | 390 |
| Average earning assets | $2,898,910,000 | 373 |
| Average equity | $381,005,500 | 334 |
| Average total loans | $2,081,650,000 | 354 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1836% | 3,507 |
| Cost of funding earning assets | 0.1743% | 3,723 |
| Net interest margin | 3.0093% | 3,173 |
| Noninterest income to average assets | 0.3717% | 3,203 |
| Noninterest expense to average assets | 2.1756% | 3,158 |
| Loan and lease loss provision to assets | 0.0532% | 1,990 |
| Net operating income to assets | 0.7179% | 3,579 |
| Return on assets (ROA) | 1.9980% | 360 |
| Pretax return on assets | 2.6723% | 210 |
| Return on Equity (ROE) | 16.1512% | 727 |
| Retained earnings to average equity (ytd only) | 15.9496% | 178 |
| Net charge-offs to loans | 0.0050% | 2,413 |
| Credit loss provision to net charge-offs | 1,497.1154% | 391 |
| Earnings coverage of net charge-offs (x) | 308.5288% | 396 |
| Efficiency ratio | 65.9363% | 2,269 |
| Assets per employee ($millions) | 9.0159% | 916 |
| Cash dividends to net income (ytd only)* | 1.2477% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,808 |
| Loan loss allowance to noncurrent loans | 896.5214% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 3,418 |
| Noncurrent loans to loans | 0.1099% | 3,379 |
| Net loans and leases to total assets | 68.3613% | 1,228 |
| Net loans and leases to deposits | 80.9994% | 1,135 |
| Net loans and leases to core deposits | 85.8861% | 1,208 |
| Total domestic deposits to total assets | 84.3973% | 3,448 |
| Equity capital to assets | 12.7914% | 962 |
| Core capital (leverage) ratio | 13.1487% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3394% | 2,108 |
| Memoranda: | ||
| Average total assets | $2,924,171,000 | 381 |
| Average earning assets | $2,819,102,800 | 368 |
| Average equity | $361,744,800 | 346 |
| Average total loans | $2,082,818,400 | 352 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1717% | 3,655 |
| Cost of funding earning assets | 0.1816% | 3,798 |
| Net interest margin | 2.9900% | 3,332 |
| Noninterest income to average assets | 0.3768% | 3,222 |
| Noninterest expense to average assets | 2.1562% | 3,206 |
| Loan and lease loss provision to assets | 0.0513% | 1,964 |
| Net operating income to assets | 0.8438% | 3,407 |
| Return on assets (ROA) | 1.8947% | 585 |
| Pretax return on assets | 2.3515% | 426 |
| Return on Equity (ROE) | 15.4508% | 1,054 |
| Retained earnings to average equity (ytd only) | 15.2342% | 367 |
| Net charge-offs to loans | 0.0066% | 2,073 |
| Credit loss provision to net charge-offs | 1,085.4369% | 493 |
| Earnings coverage of net charge-offs (x) | 232.7476% | 510 |
| Efficiency ratio | 65.6852% | 2,144 |
| Assets per employee ($millions) | 9.1731% | 842 |
| Cash dividends to net income (ytd only)* | 1.4017% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 4,010 |
| Loan loss allowance to noncurrent loans | 714.3062% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 3,475 |
| Noncurrent loans to loans | 0.1328% | 3,445 |
| Net loans and leases to total assets | 69.5471% | 1,123 |
| Net loans and leases to deposits | 81.4074% | 1,159 |
| Net loans and leases to core deposits | 86.1048% | 1,281 |
| Total domestic deposits to total assets | 85.4309% | 2,972 |
| Equity capital to assets | 12.4009% | 1,221 |
| Core capital (leverage) ratio | 13.0619% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6610% | 2,102 |
| Memoranda: | ||
| Average total assets | $2,906,891,250 | 386 |
| Average earning assets | $2,798,931,000 | 373 |
| Average equity | $356,460,000 | 352 |
| Average total loans | $2,086,870,250 | 354 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2262% | 3,620 |
| Cost of funding earning assets | 0.1979% | 3,773 |
| Net interest margin | 3.0283% | 3,249 |
| Noninterest income to average assets | 0.3904% | 3,155 |
| Noninterest expense to average assets | 2.1302% | 3,304 |
| Loan and lease loss provision to assets | 0.0221% | 2,531 |
| Net operating income to assets | 0.9335% | 3,119 |
| Return on assets (ROA) | 2.6089% | 204 |
| Pretax return on assets | 3.2006% | 149 |
| Return on Equity (ROE) | 21.3583% | 361 |
| Retained earnings to average equity (ytd only) | 21.1001% | 128 |
| Net charge-offs to loans | -0.0105% | 3,682 |
| Credit loss provision to net charge-offs | -291.7431% | 3,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9253% | 2,439 |
| Assets per employee ($millions) | 8.8852% | 895 |
| Cash dividends to net income (ytd only)* | 1.2089% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 4,032 |
| Loan loss allowance to noncurrent loans | 634.9425% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 3,527 |
| Noncurrent loans to loans | 0.1478% | 3,465 |
| Net loans and leases to total assets | 70.2474% | 1,166 |
| Net loans and leases to deposits | 82.4819% | 1,176 |
| Net loans and leases to core deposits | 87.3900% | 1,317 |
| Total domestic deposits to total assets | 85.1670% | 3,027 |
| Equity capital to assets | 12.6851% | 1,056 |
| Core capital (leverage) ratio | 13.0222% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0222% | 1,963 |
| Memoranda: | ||
| Average total assets | $2,879,042,333 | 389 |
| Average earning assets | $2,770,441,667 | 372 |
| Average equity | $351,666,667 | 352 |
| Average total loans | $2,082,599,000 | 355 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3273% | 3,388 |
| Cost of funding earning assets | 0.2251% | 3,678 |
| Net interest margin | 3.1021% | 2,982 |
| Noninterest income to average assets | 0.4238% | 2,965 |
| Noninterest expense to average assets | 2.1449% | 3,289 |
| Loan and lease loss provision to assets | 0.0247% | 2,463 |
| Net operating income to assets | 1.0249% | 2,727 |
| Return on assets (ROA) | 3.3667% | 129 |
| Pretax return on assets | 4.0597% | 100 |
| Return on Equity (ROE) | 28.1114% | 182 |
| Retained earnings to average equity (ytd only) | 27.9657% | 99 |
| Net charge-offs to loans | 0.0113% | 1,527 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 152.7966% | 484 |
| Efficiency ratio | 62.5010% | 2,673 |
| Assets per employee ($millions) | 8.8128% | 887 |
| Cash dividends to net income (ytd only)* | 0.5182% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 4,109 |
| Loan loss allowance to noncurrent loans | 615.8627% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 3,658 |
| Noncurrent loans to loans | 0.1488% | 3,582 |
| Net loans and leases to total assets | 69.8591% | 1,308 |
| Net loans and leases to deposits | 83.0619% | 1,239 |
| Net loans and leases to core deposits | 87.9108% | 1,372 |
| Total domestic deposits to total assets | 84.1049% | 3,399 |
| Equity capital to assets | 12.0181% | 1,274 |
| Core capital (leverage) ratio | 12.8786% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8789% | 1,936 |
| Memoranda: | ||
| Average total assets | $2,865,839,000 | 387 |
| Average earning assets | $2,752,422,000 | 374 |
| Average equity | $343,220,500 | 355 |
| Average total loans | $2,093,730,500 | 355 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 3,879 |
| Cost of funding earning assets | 0.5239% | 2,788 |
| Net interest margin | 3.0457% | 3,765 |
| Noninterest income to average assets | 1.8031% | 392 |
| Noninterest expense to average assets | 2.9686% | 1,508 |
| Loan and lease loss provision to assets | 0.1230% | 2,827 |
| Net operating income to assets | 1.1902% | 1,582 |
| Return on assets (ROA) | 1.1906% | 1,689 |
| Pretax return on assets | 1.6442% | 969 |
| Return on Equity (ROE) | 10.1894% | 1,937 |
| Retained earnings to average equity (ytd only) | 10.0301% | 582 |
| Net charge-offs to loans | 0.0380% | 2,296 |
| Credit loss provision to net charge-offs | 419.5187% | 1,390 |
| Earnings coverage of net charge-offs (x) | 59.4759% | 1,076 |
| Efficiency ratio | 62.0240% | 3,126 |
| Assets per employee ($millions) | 8.0584% | 1,021 |
| Cash dividends to net income (ytd only)* | 1.5639% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,193 |
| Loan loss allowance to noncurrent loans | 648.6106% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 3,776 |
| Noncurrent loans to loans | 0.1380% | 3,731 |
| Net loans and leases to total assets | 75.0751% | 890 |
| Net loans and leases to deposits | 91.1900% | 840 |
| Net loans and leases to core deposits | 96.4948% | 1,092 |
| Total domestic deposits to total assets | 82.3281% | 3,584 |
| Equity capital to assets | 11.9321% | 1,610 |
| Core capital (leverage) ratio | 12.1694% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4223% | 2,077 |
| Memoranda: | ||
| Average total assets | $2,551,023,600 | 389 |
| Average earning assets | $2,436,928,600 | 375 |
| Average equity | $298,083,400 | 370 |
| Average total loans | $1,970,039,000 | 358 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5973% | 4,015 |
| Cost of funding earning assets | 0.6010% | 2,611 |
| Net interest margin | 2.9964% | 3,987 |
| Noninterest income to average assets | 1.0545% | 935 |
| Noninterest expense to average assets | 2.8094% | 1,943 |
| Loan and lease loss provision to assets | 0.1294% | 2,726 |
| Net operating income to assets | 0.9786% | 2,415 |
| Return on assets (ROA) | -0.3578% | 4,884 |
| Pretax return on assets | -0.3589% | 4,875 |
| Return on Equity (ROE) | -3.0800% | 4,888 |
| Retained earnings to average equity (ytd only) | -3.7830% | 4,806 |
| Net charge-offs to loans | 0.0509% | 1,882 |
| Credit loss provision to net charge-offs | 327.7778% | 1,676 |
| Earnings coverage of net charge-offs (x) | 28.0312% | 1,643 |
| Efficiency ratio | 70.4400% | 1,825 |
| Assets per employee ($millions) | 6.4607% | 1,864 |
| Cash dividends to net income (ytd only)* | -22.8238% | 4,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 4,180 |
| Loan loss allowance to noncurrent loans | 439.8840% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 3,540 |
| Noncurrent loans to loans | 0.1965% | 3,602 |
| Net loans and leases to total assets | 76.0196% | 1,093 |
| Net loans and leases to deposits | 91.2040% | 1,137 |
| Net loans and leases to core deposits | 96.9173% | 1,384 |
| Total domestic deposits to total assets | 83.3512% | 3,044 |
| Equity capital to assets | 10.7786% | 2,564 |
| Core capital (leverage) ratio | 10.3387% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6389% | 2,750 |
| Memoranda: | ||
| Average total assets | $2,491,724,750 | 387 |
| Average earning assets | $2,379,886,500 | 373 |
| Average equity | $289,430,750 | 373 |
| Average total loans | $1,934,507,750 | 358 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 4,115 |
| Cost of funding earning assets | 0.7158% | 2,303 |
| Net interest margin | 2.9717% | 4,185 |
| Noninterest income to average assets | 1.1076% | 808 |
| Noninterest expense to average assets | 2.8282% | 2,028 |
| Loan and lease loss provision to assets | 0.1287% | 2,738 |
| Net operating income to assets | 0.8547% | 2,853 |
| Return on assets (ROA) | -1.1395% | 4,972 |
| Pretax return on assets | -1.3092% | 4,974 |
| Return on Equity (ROE) | -9.5483% | 4,983 |
| Retained earnings to average equity (ytd only) | -10.1019% | 4,921 |
| Net charge-offs to loans | 0.0833% | 1,415 |
| Credit loss provision to net charge-offs | 198.0818% | 1,936 |
| Earnings coverage of net charge-offs (x) | 17.2596% | 1,823 |
| Efficiency ratio | 70.2766% | 1,917 |
| Assets per employee ($millions) | 6.7002% | 1,634 |
| Cash dividends to net income (ytd only)* | -5.7970% | 5,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 4,100 |
| Loan loss allowance to noncurrent loans | 351.7298% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 3,508 |
| Noncurrent loans to loans | 0.2490% | 3,488 |
| Net loans and leases to total assets | 74.8606% | 1,295 |
| Net loans and leases to deposits | 90.4993% | 1,310 |
| Net loans and leases to core deposits | 96.8951% | 1,510 |
| Total domestic deposits to total assets | 82.7196% | 3,174 |
| Equity capital to assets | 11.1013% | 2,249 |
| Core capital (leverage) ratio | 10.9638% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0221% | 2,602 |
| Memoranda: | ||
| Average total assets | $2,407,028,667 | 394 |
| Average earning assets | $2,302,045,667 | 375 |
| Average equity | $287,254,000 | 372 |
| Average total loans | $1,877,492,667 | 362 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 3,984 |
| Cost of funding earning assets | 0.9121% | 1,808 |
| Net interest margin | 3.0131% | 4,259 |
| Noninterest income to average assets | 1.1844% | 622 |
| Noninterest expense to average assets | 3.0962% | 1,649 |
| Loan and lease loss provision to assets | 0.1458% | 1,935 |
| Net operating income to assets | 0.6622% | 3,398 |
| Return on assets (ROA) | -6.0309% | 5,094 |
| Pretax return on assets | -7.4067% | 5,095 |
| Return on Equity (ROE) | -48.6120% | 5,103 |
| Retained earnings to average equity (ytd only) | -49.1843% | 5,086 |
| Net charge-offs to loans | 0.0232% | 1,904 |
| Credit loss provision to net charge-offs | 792.4528% | 669 |
| Earnings coverage of net charge-offs (x) | 52.6792% | 866 |
| Efficiency ratio | 74.8057% | 1,710 |
| Assets per employee ($millions) | 5.6913% | 1,936 |
| Cash dividends to net income (ytd only)* | -1.1774% | 5,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 3,960 |
| Loan loss allowance to noncurrent loans | 342.2138% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 3,510 |
| Noncurrent loans to loans | 0.2756% | 3,505 |
| Net loans and leases to total assets | 78.4246% | 916 |
| Net loans and leases to deposits | 92.7786% | 1,203 |
| Net loans and leases to core deposits | 102.3914% | 1,297 |
| Total domestic deposits to total assets | 84.5288% | 2,589 |
| Equity capital to assets | 11.6287% | 2,339 |
| Core capital (leverage) ratio | 11.2804% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7765% | 2,814 |
| Memoranda: | ||
| Average total assets | $2,304,011,000 | 399 |
| Average earning assets | $2,203,193,000 | 375 |
| Average equity | $285,839,000 | 373 |
| Average total loans | $1,829,519,000 | 360 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 4,249 |
| Cost of funding earning assets | 0.8728% | 2,318 |
| Net interest margin | 3.1293% | 4,326 |
| Noninterest income to average assets | 1.0463% | 866 |
| Noninterest expense to average assets | 3.1448% | 1,654 |
| Loan and lease loss provision to assets | 0.1122% | 1,867 |
| Net operating income to assets | 0.6699% | 3,951 |
| Return on assets (ROA) | 1.0661% | 2,691 |
| Pretax return on assets | 1.2631% | 2,632 |
| Return on Equity (ROE) | 8.1837% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.5617% | 1,137 |
| Net charge-offs to loans | 0.0936% | 1,791 |
| Credit loss provision to net charge-offs | 150.0894% | 1,704 |
| Earnings coverage of net charge-offs (x) | 11.9761% | 2,448 |
| Efficiency ratio | 76.0310% | 1,368 |
| Assets per employee ($millions) | 5.5492% | 2,023 |
| Cash dividends to net income (ytd only)* | 7.5996% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 3,946 |
| Loan loss allowance to noncurrent loans | 317.8791% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 3,547 |
| Noncurrent loans to loans | 0.2840% | 3,425 |
| Net loans and leases to total assets | 78.9229% | 946 |
| Net loans and leases to deposits | 96.0575% | 934 |
| Net loans and leases to core deposits | 105.9966% | 1,108 |
| Total domestic deposits to total assets | 82.1621% | 3,462 |
| Equity capital to assets | 13.1881% | 1,421 |
| Core capital (leverage) ratio | 12.9644% | 1,251 |
| Tier 1 risk-based capital ratio | 12.6516% | 3,974 |
| Total risk-based capital ratio | 13.3724% | 4,175 |
| Memoranda: | ||
| Average total assets | $2,242,740,600 | 385 |
| Average earning assets | $2,145,767,600 | 362 |
| Average equity | $292,155,400 | 351 |
| Average total loans | $1,791,893,200 | 357 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 4,350 |
| Cost of funding earning assets | 0.8701% | 2,368 |
| Net interest margin | 3.1377% | 4,417 |
| Noninterest income to average assets | 1.0566% | 825 |
| Noninterest expense to average assets | 3.0389% | 1,862 |
| Loan and lease loss provision to assets | 0.0420% | 3,059 |
| Net operating income to assets | 0.8022% | 3,666 |
| Return on assets (ROA) | 1.1862% | 2,321 |
| Pretax return on assets | 1.4654% | 2,059 |
| Return on Equity (ROE) | 9.1348% | 2,833 |
| Retained earnings to average equity (ytd only) | 8.5037% | 1,203 |
| Net charge-offs to loans | 0.0052% | 3,209 |
| Credit loss provision to net charge-offs | 1,017.3913% | 341 |
| Earnings coverage of net charge-offs (x) | 247.0808% | 379 |
| Efficiency ratio | 73.8693% | 1,586 |
| Assets per employee ($millions) | 5.4408% | 2,087 |
| Cash dividends to net income (ytd only)* | 6.9084% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 4,049 |
| Loan loss allowance to noncurrent loans | 465.3352% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 3,971 |
| Noncurrent loans to loans | 0.1933% | 3,847 |
| Net loans and leases to total assets | 78.8179% | 1,015 |
| Net loans and leases to deposits | 94.2362% | 1,203 |
| Net loans and leases to core deposits | 103.6471% | 1,355 |
| Total domestic deposits to total assets | 83.6387% | 2,956 |
| Equity capital to assets | 13.1986% | 1,511 |
| Core capital (leverage) ratio | 11.9534% | 1,884 |
| Tier 1 risk-based capital ratio | 12.2287% | 4,295 |
| Total risk-based capital ratio | 13.6526% | 4,076 |
| Memoranda: | ||
| Average total assets | $2,229,084,250 | 386 |
| Average earning assets | $2,132,730,250 | 367 |
| Average equity | $289,449,750 | 354 |
| Average total loans | $1,782,450,250 | 359 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 4,373 |
| Cost of funding earning assets | 0.8615% | 2,346 |
| Net interest margin | 3.1400% | 4,470 |
| Noninterest income to average assets | 1.0352% | 811 |
| Noninterest expense to average assets | 3.0904% | 1,757 |
| Loan and lease loss provision to assets | 0.0499% | 2,821 |
| Net operating income to assets | 0.7398% | 3,868 |
| Return on assets (ROA) | 1.1361% | 2,465 |
| Pretax return on assets | 1.3998% | 2,213 |
| Return on Equity (ROE) | 8.7993% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.5759% | 1,175 |
| Net charge-offs to loans | 0.0016% | 3,123 |
| Credit loss provision to net charge-offs | 3,942.8571% | 97 |
| Earnings coverage of net charge-offs (x) | 748.5714% | 107 |
| Efficiency ratio | 75.5166% | 1,455 |
| Assets per employee ($millions) | 5.5396% | 1,926 |
| Cash dividends to net income (ytd only)* | 2.5384% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 4,081 |
| Loan loss allowance to noncurrent loans | 407.0030% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 3,876 |
| Noncurrent loans to loans | 0.2216% | 3,744 |
| Net loans and leases to total assets | 79.2107% | 1,011 |
| Net loans and leases to deposits | 98.1779% | 823 |
| Net loans and leases to core deposits | 107.9256% | 1,107 |
| Total domestic deposits to total assets | 80.6808% | 3,896 |
| Equity capital to assets | 13.2216% | 1,477 |
| Core capital (leverage) ratio | 11.9050% | 1,884 |
| Tier 1 risk-based capital ratio | 12.0498% | 4,387 |
| Total risk-based capital ratio | 13.5401% | 4,113 |
| Memoranda: | ||
| Average total assets | $2,212,215,000 | 390 |
| Average earning assets | $2,115,502,330 | 370 |
| Average equity | $285,637,000 | 359 |
| Average total loans | $1,772,228,330 | 361 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 4,472 |
| Cost of funding earning assets | 0.8420% | 2,318 |
| Net interest margin | 3.1079% | 4,585 |
| Noninterest income to average assets | 1.0151% | 772 |
| Noninterest expense to average assets | 2.9771% | 2,057 |
| Loan and lease loss provision to assets | 0.0604% | 2,450 |
| Net operating income to assets | 0.7624% | 3,741 |
| Return on assets (ROA) | 1.0351% | 2,763 |
| Pretax return on assets | 1.3070% | 2,430 |
| Return on Equity (ROE) | 8.1166% | 3,210 |
| Retained earnings to average equity (ytd only) | 8.0365% | 1,645 |
| Net charge-offs to loans | 0.0080% | 2,408 |
| Credit loss provision to net charge-offs | 945.7143% | 390 |
| Earnings coverage of net charge-offs (x) | 157.7429% | 489 |
| Efficiency ratio | 73.7517% | 1,784 |
| Assets per employee ($millions) | 5.2265% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.9864% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,130 |
| Loan loss allowance to noncurrent loans | 415.3146% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 3,951 |
| Noncurrent loans to loans | 0.2180% | 3,811 |
| Net loans and leases to total assets | 79.0813% | 978 |
| Net loans and leases to deposits | 98.1395% | 777 |
| Net loans and leases to core deposits | 107.5223% | 1,073 |
| Total domestic deposits to total assets | 80.5805% | 4,056 |
| Equity capital to assets | 13.1013% | 1,394 |
| Core capital (leverage) ratio | 11.7265% | 1,958 |
| Tier 1 risk-based capital ratio | 12.0503% | 4,429 |
| Total risk-based capital ratio | 13.5807% | 4,146 |
| Memoranda: | ||
| Average total assets | $2,193,779,000 | 395 |
| Average earning assets | $2,095,569,500 | 377 |
| Average equity | $279,773,000 | 364 |
| Average total loans | $1,759,476,000 | 366 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 4,452 |
| Cost of funding earning assets | 0.6294% | 2,529 |
| Net interest margin | 3.1853% | 4,510 |
| Noninterest income to average assets | 1.0096% | 928 |
| Noninterest expense to average assets | 3.1229% | 1,740 |
| Loan and lease loss provision to assets | 0.0433% | 3,316 |
| Net operating income to assets | 0.7139% | 4,102 |
| Return on assets (ROA) | 1.0027% | 2,984 |
| Pretax return on assets | 1.2697% | 2,618 |
| Return on Equity (ROE) | 8.0377% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.4644% | 1,470 |
| Net charge-offs to loans | 0.0209% | 3,006 |
| Credit loss provision to net charge-offs | 258.1006% | 1,158 |
| Earnings coverage of net charge-offs (x) | 55.8212% | 1,070 |
| Efficiency ratio | 76.0658% | 1,351 |
| Assets per employee ($millions) | 5.3747% | 2,085 |
| Cash dividends to net income (ytd only)* | 7.1325% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 4,198 |
| Loan loss allowance to noncurrent loans | 311.9801% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,673 |
| Noncurrent loans to loans | 0.2864% | 3,537 |
| Net loans and leases to total assets | 79.8882% | 956 |
| Net loans and leases to deposits | 102.1420% | 580 |
| Net loans and leases to core deposits | 111.9444% | 884 |
| Total domestic deposits to total assets | 78.2129% | 4,457 |
| Equity capital to assets | 12.3993% | 1,636 |
| Core capital (leverage) ratio | 11.5861% | 2,033 |
| Tier 1 risk-based capital ratio | 12.1274% | 4,340 |
| Total risk-based capital ratio | 13.3606% | 4,244 |
| Memoranda: | ||
| Average total assets | $2,132,367,000 | 399 |
| Average earning assets | $2,042,085,200 | 382 |
| Average equity | $266,008,000 | 372 |
| Average total loans | $1,711,553,200 | 369 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 4,504 |
| Cost of funding earning assets | 0.5896% | 2,551 |
| Net interest margin | 3.1816% | 4,548 |
| Noninterest income to average assets | 1.0163% | 928 |
| Noninterest expense to average assets | 3.1700% | 1,599 |
| Loan and lease loss provision to assets | 0.0465% | 3,053 |
| Net operating income to assets | 0.6537% | 4,358 |
| Return on assets (ROA) | 0.8629% | 3,694 |
| Pretax return on assets | 1.1334% | 3,268 |
| Return on Equity (ROE) | 6.9066% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.3110% | 2,486 |
| Net charge-offs to loans | 0.0255% | 2,612 |
| Credit loss provision to net charge-offs | 227.6923% | 1,259 |
| Earnings coverage of net charge-offs (x) | 43.8156% | 1,275 |
| Efficiency ratio | 77.1454% | 1,214 |
| Assets per employee ($millions) | 5.3196% | 2,103 |
| Cash dividends to net income (ytd only)* | 8.6241% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 4,264 |
| Loan loss allowance to noncurrent loans | 264.9940% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 3,609 |
| Noncurrent loans to loans | 0.3391% | 3,446 |
| Net loans and leases to total assets | 78.5161% | 1,253 |
| Net loans and leases to deposits | 97.6250% | 978 |
| Net loans and leases to core deposits | 106.6503% | 1,259 |
| Total domestic deposits to total assets | 80.4262% | 4,013 |
| Equity capital to assets | 12.5617% | 1,545 |
| Core capital (leverage) ratio | 11.7000% | 2,012 |
| Tier 1 risk-based capital ratio | 11.9681% | 4,518 |
| Total risk-based capital ratio | 13.6640% | 4,137 |
| Memoranda: | ||
| Average total assets | $2,121,269,000 | 400 |
| Average earning assets | $2,032,665,000 | 379 |
| Average equity | $265,034,250 | 370 |
| Average total loans | $1,700,778,750 | 369 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,491 |
| Cost of funding earning assets | 0.5609% | 2,510 |
| Net interest margin | 3.1792% | 4,553 |
| Noninterest income to average assets | 1.0435% | 888 |
| Noninterest expense to average assets | 3.1271% | 1,723 |
| Loan and lease loss provision to assets | 0.0558% | 2,793 |
| Net operating income to assets | 0.7138% | 4,156 |
| Return on assets (ROA) | 0.8563% | 3,644 |
| Pretax return on assets | 1.1117% | 3,264 |
| Return on Equity (ROE) | 6.8665% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.2178% | 2,453 |
| Net charge-offs to loans | 0.0306% | 2,246 |
| Credit loss provision to net charge-offs | 226.2548% | 1,205 |
| Earnings coverage of net charge-offs (x) | 39.0888% | 1,318 |
| Efficiency ratio | 75.6468% | 1,476 |
| Assets per employee ($millions) | 5.6481% | 1,760 |
| Cash dividends to net income (ytd only)* | 9.4476% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 4,364 |
| Loan loss allowance to noncurrent loans | 243.8092% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 3,324 |
| Noncurrent loans to loans | 0.3670% | 3,379 |
| Net loans and leases to total assets | 79.6617% | 1,069 |
| Net loans and leases to deposits | 100.5870% | 768 |
| Net loans and leases to core deposits | 110.2103% | 985 |
| Total domestic deposits to total assets | 79.1968% | 4,395 |
| Equity capital to assets | 12.3538% | 1,628 |
| Core capital (leverage) ratio | 11.6583% | 1,936 |
| Tier 1 risk-based capital ratio | 11.8067% | 4,620 |
| Total risk-based capital ratio | 13.3870% | 4,291 |
| Memoranda: | ||
| Average total assets | $2,101,349,330 | 403 |
| Average earning assets | $2,014,103,670 | 384 |
| Average equity | $262,054,000 | 371 |
| Average total loans | $1,691,710,000 | 370 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 4,413 |
| Cost of funding earning assets | 0.5300% | 2,540 |
| Net interest margin | 3.1967% | 4,468 |
| Noninterest income to average assets | 1.0727% | 803 |
| Noninterest expense to average assets | 3.1163% | 1,780 |
| Loan and lease loss provision to assets | 0.0579% | 2,612 |
| Net operating income to assets | 0.7461% | 3,918 |
| Return on assets (ROA) | 0.9347% | 3,153 |
| Pretax return on assets | 1.2368% | 2,612 |
| Return on Equity (ROE) | 7.4593% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.1276% | 2,225 |
| Net charge-offs to loans | 0.0260% | 1,979 |
| Credit loss provision to net charge-offs | 276.1468% | 866 |
| Earnings coverage of net charge-offs (x) | 48.8073% | 958 |
| Efficiency ratio | 74.4748% | 1,825 |
| Assets per employee ($millions) | 5.1944% | 2,260 |
| Cash dividends to net income (ytd only)* | 4.4463% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 4,416 |
| Loan loss allowance to noncurrent loans | 190.4543% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 3,038 |
| Noncurrent loans to loans | 0.4764% | 3,092 |
| Net loans and leases to total assets | 80.0387% | 928 |
| Net loans and leases to deposits | 99.6021% | 739 |
| Net loans and leases to core deposits | 108.2071% | 1,108 |
| Total domestic deposits to total assets | 80.3584% | 4,351 |
| Equity capital to assets | 12.4296% | 1,527 |
| Core capital (leverage) ratio | 11.7500% | 1,816 |
| Tier 1 risk-based capital ratio | 11.9207% | 4,591 |
| Total risk-based capital ratio | 13.4491% | 4,332 |
| Memoranda: | ||
| Average total assets | $2,078,887,500 | 411 |
| Average earning assets | $1,994,653,000 | 389 |
| Average equity | $260,507,500 | 375 |
| Average total loans | $1,674,967,500 | 375 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6170% | 4,539 |
| Cost of funding earning assets | 0.4447% | 2,827 |
| Net interest margin | 3.1723% | 4,512 |
| Noninterest income to average assets | 0.9406% | 1,164 |
| Noninterest expense to average assets | 3.0828% | 1,908 |
| Loan and lease loss provision to assets | 0.0979% | 2,261 |
| Net operating income to assets | 0.5951% | 4,030 |
| Return on assets (ROA) | 0.8615% | 2,931 |
| Pretax return on assets | 1.1876% | 2,815 |
| Return on Equity (ROE) | 6.7826% | 3,389 |
| Retained earnings to average equity (ytd only) | 6.2911% | 1,385 |
| Net charge-offs to loans | 0.0202% | 3,431 |
| Credit loss provision to net charge-offs | 604.0625% | 534 |
| Earnings coverage of net charge-offs (x) | 55.8156% | 1,006 |
| Efficiency ratio | 76.4371% | 1,561 |
| Assets per employee ($millions) | 5.4752% | 1,962 |
| Cash dividends to net income (ytd only)* | 7.2461% | 3,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 4,432 |
| Loan loss allowance to noncurrent loans | 163.0625% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 2,777 |
| Noncurrent loans to loans | 0.5571% | 2,830 |
| Net loans and leases to total assets | 79.6373% | 1,014 |
| Net loans and leases to deposits | 100.6279% | 683 |
| Net loans and leases to core deposits | 109.8844% | 1,014 |
| Total domestic deposits to total assets | 79.1403% | 4,517 |
| Equity capital to assets | 12.6335% | 1,438 |
| Core capital (leverage) ratio | 12.0300% | 1,588 |
| Tier 1 risk-based capital ratio | 12.0983% | 4,465 |
| Total risk-based capital ratio | 13.7859% | 4,083 |
| Memoranda: | ||
| Average total assets | $1,975,269,600 | 412 |
| Average earning assets | $1,896,890,400 | 396 |
| Average equity | $250,878,600 | 371 |
| Average total loans | $1,583,597,000 | 382 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6046% | 4,545 |
| Cost of funding earning assets | 0.4303% | 2,885 |
| Net interest margin | 3.1744% | 4,520 |
| Noninterest income to average assets | 0.9710% | 1,093 |
| Noninterest expense to average assets | 3.0493% | 1,962 |
| Loan and lease loss provision to assets | 0.1027% | 2,060 |
| Net operating income to assets | 0.6135% | 4,342 |
| Return on assets (ROA) | 0.8610% | 3,274 |
| Pretax return on assets | 1.2494% | 2,710 |
| Return on Equity (ROE) | 6.7698% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.2601% | 2,081 |
| Net charge-offs to loans | 0.0123% | 3,300 |
| Credit loss provision to net charge-offs | 1,044.4444% | 343 |
| Earnings coverage of net charge-offs (x) | 98.6989% | 695 |
| Efficiency ratio | 74.9613% | 1,751 |
| Assets per employee ($millions) | 5.2539% | 2,168 |
| Cash dividends to net income (ytd only)* | 7.5293% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 4,521 |
| Loan loss allowance to noncurrent loans | 166.6069% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5390% | 2,905 |
| Noncurrent loans to loans | 0.5466% | 3,059 |
| Net loans and leases to total assets | 79.7126% | 1,027 |
| Net loans and leases to deposits | 99.8254% | 756 |
| Net loans and leases to core deposits | 108.8801% | 1,101 |
| Total domestic deposits to total assets | 79.8520% | 4,344 |
| Equity capital to assets | 12.6551% | 1,576 |
| Core capital (leverage) ratio | 11.9290% | 1,736 |
| Tier 1 risk-based capital ratio | 12.1718% | 4,511 |
| Total risk-based capital ratio | 13.7524% | 4,229 |
| Memoranda: | ||
| Average total assets | $1,951,680,500 | 418 |
| Average earning assets | $1,874,809,250 | 402 |
| Average equity | $248,231,750 | 378 |
| Average total loans | $1,563,670,000 | 381 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5805% | 4,563 |
| Cost of funding earning assets | 0.4211% | 2,879 |
| Net interest margin | 3.1594% | 4,520 |
| Noninterest income to average assets | 0.9862% | 1,050 |
| Noninterest expense to average assets | 3.0023% | 2,103 |
| Loan and lease loss provision to assets | 0.1215% | 1,707 |
| Net operating income to assets | 0.6315% | 4,155 |
| Return on assets (ROA) | 0.8691% | 3,126 |
| Pretax return on assets | 1.2646% | 2,520 |
| Return on Equity (ROE) | 6.8208% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.2723% | 1,978 |
| Net charge-offs to loans | 0.0171% | 2,905 |
| Credit loss provision to net charge-offs | 886.3636% | 422 |
| Earnings coverage of net charge-offs (x) | 74.1818% | 812 |
| Efficiency ratio | 73.8039% | 2,051 |
| Assets per employee ($millions) | 5.4126% | 1,952 |
| Cash dividends to net income (ytd only)* | 8.0406% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 4,591 |
| Loan loss allowance to noncurrent loans | 163.1059% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 2,942 |
| Noncurrent loans to loans | 0.5587% | 3,060 |
| Net loans and leases to total assets | 78.9189% | 1,104 |
| Net loans and leases to deposits | 99.2772% | 792 |
| Net loans and leases to core deposits | 108.3449% | 1,085 |
| Total domestic deposits to total assets | 79.4935% | 4,514 |
| Equity capital to assets | 12.4562% | 1,644 |
| Core capital (leverage) ratio | 12.1192% | 1,575 |
| Tier 1 risk-based capital ratio | 12.0718% | 4,588 |
| Total risk-based capital ratio | 13.5280% | 4,326 |
| Memoranda: | ||
| Average total assets | $1,926,239,330 | 423 |
| Average earning assets | $1,849,075,670 | 404 |
| Average equity | $245,427,330 | 381 |
| Average total loans | $1,541,082,670 | 386 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5901% | 4,445 |
| Cost of funding earning assets | 0.4267% | 2,750 |
| Net interest margin | 3.1634% | 4,457 |
| Noninterest income to average assets | 1.0733% | 869 |
| Noninterest expense to average assets | 3.0572% | 1,990 |
| Loan and lease loss provision to assets | 0.0983% | 1,924 |
| Net operating income to assets | 0.6817% | 3,782 |
| Return on assets (ROA) | 0.9275% | 2,685 |
| Pretax return on assets | 1.3500% | 2,060 |
| Return on Equity (ROE) | 7.1944% | 3,319 |
| Retained earnings to average equity (ytd only) | 6.7901% | 1,934 |
| Net charge-offs to loans | 0.0214% | 2,347 |
| Credit loss provision to net charge-offs | 572.8395% | 532 |
| Earnings coverage of net charge-offs (x) | 61.3951% | 797 |
| Efficiency ratio | 73.4680% | 2,327 |
| Assets per employee ($millions) | 5.2761% | 2,103 |
| Cash dividends to net income (ytd only)* | 5.6190% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 4,736 |
| Loan loss allowance to noncurrent loans | 127.2902% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 2,872 |
| Noncurrent loans to loans | 0.7111% | 2,720 |
| Net loans and leases to total assets | 79.5664% | 892 |
| Net loans and leases to deposits | 97.0723% | 842 |
| Net loans and leases to core deposits | 104.8471% | 1,167 |
| Total domestic deposits to total assets | 81.9661% | 4,178 |
| Equity capital to assets | 12.8910% | 1,306 |
| Core capital (leverage) ratio | 12.1286% | 1,549 |
| Tier 1 risk-based capital ratio | 12.1862% | 4,592 |
| Total risk-based capital ratio | 13.6612% | 4,344 |
| Memoranda: | ||
| Average total assets | $1,888,024,000 | 436 |
| Average earning assets | $1,812,856,000 | 417 |
| Average equity | $243,413,000 | 381 |
| Average total loans | $1,514,113,000 | 392 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 4,559 |
| Cost of funding earning assets | 0.4702% | 2,347 |
| Net interest margin | 3.1131% | 4,695 |
| Noninterest income to average assets | 0.9593% | 1,240 |
| Noninterest expense to average assets | 3.0581% | 2,149 |
| Loan and lease loss provision to assets | 0.1012% | 2,353 |
| Net operating income to assets | 0.5484% | 4,442 |
| Return on assets (ROA) | 0.7545% | 3,635 |
| Pretax return on assets | 1.0921% | 3,136 |
| Return on Equity (ROE) | 5.7921% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.2608% | 2,155 |
| Net charge-offs to loans | 0.0705% | 2,690 |
| Credit loss provision to net charge-offs | 181.3861% | 1,546 |
| Earnings coverage of net charge-offs (x) | 15.7960% | 2,175 |
| Efficiency ratio | 76.6599% | 1,896 |
| Assets per employee ($millions) | 5.1980% | 2,174 |
| Cash dividends to net income (ytd only)* | 9.1721% | 4,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 4,776 |
| Loan loss allowance to noncurrent loans | 121.8341% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 2,855 |
| Noncurrent loans to loans | 0.7412% | 2,675 |
| Net loans and leases to total assets | 79.3725% | 987 |
| Net loans and leases to deposits | 99.0152% | 739 |
| Net loans and leases to core deposits | 108.0710% | 1,018 |
| Total domestic deposits to total assets | 80.1619% | 4,538 |
| Equity capital to assets | 12.8939% | 1,303 |
| Core capital (leverage) ratio | 12.0974% | 1,540 |
| Tier 1 risk-based capital ratio | 12.3979% | 4,444 |
| Total risk-based capital ratio | 13.8493% | 4,218 |
| Memoranda: | ||
| Average total assets | $1,810,710,000 | 427 |
| Average earning assets | $1,733,254,200 | 413 |
| Average equity | $235,856,600 | 377 |
| Average total loans | $1,432,732,800 | 390 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5864% | 4,590 |
| Cost of funding earning assets | 0.4688% | 2,375 |
| Net interest margin | 3.1176% | 4,723 |
| Noninterest income to average assets | 0.9836% | 1,178 |
| Noninterest expense to average assets | 3.0176% | 2,272 |
| Loan and lease loss provision to assets | 0.0937% | 2,353 |
| Net operating income to assets | 0.6058% | 4,271 |
| Return on assets (ROA) | 0.7905% | 3,552 |
| Pretax return on assets | 1.1409% | 3,083 |
| Return on Equity (ROE) | 6.0527% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.5214% | 2,472 |
| Net charge-offs to loans | 0.0393% | 2,846 |
| Credit loss provision to net charge-offs | 302.1531% | 1,022 |
| Earnings coverage of net charge-offs (x) | 30.5885% | 1,469 |
| Efficiency ratio | 75.1057% | 2,090 |
| Assets per employee ($millions) | 5.0885% | 2,267 |
| Cash dividends to net income (ytd only)* | 8.7769% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 4,796 |
| Loan loss allowance to noncurrent loans | 107.1904% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 2,811 |
| Noncurrent loans to loans | 0.8602% | 2,536 |
| Net loans and leases to total assets | 78.8744% | 1,059 |
| Net loans and leases to deposits | 98.2931% | 831 |
| Net loans and leases to core deposits | 107.3027% | 1,095 |
| Total domestic deposits to total assets | 80.2440% | 4,457 |
| Equity capital to assets | 13.1463% | 1,418 |
| Core capital (leverage) ratio | 12.2459% | 1,517 |
| Tier 1 risk-based capital ratio | 12.6638% | 4,363 |
| Total risk-based capital ratio | 14.0829% | 4,175 |
| Memoranda: | ||
| Average total assets | $1,796,865,750 | 429 |
| Average earning assets | $1,719,138,000 | 413 |
| Average equity | $234,667,750 | 382 |
| Average total loans | $1,417,251,500 | 392 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5859% | 4,636 |
| Cost of funding earning assets | 0.4707% | 2,365 |
| Net interest margin | 3.1152% | 4,789 |
| Noninterest income to average assets | 0.9699% | 1,198 |
| Noninterest expense to average assets | 3.0469% | 2,217 |
| Loan and lease loss provision to assets | 0.1229% | 1,852 |
| Net operating income to assets | 0.5559% | 4,457 |
| Return on assets (ROA) | 0.7763% | 3,568 |
| Pretax return on assets | 1.1126% | 3,151 |
| Return on Equity (ROE) | 5.9577% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.6140% | 2,355 |
| Net charge-offs to loans | 0.0524% | 2,453 |
| Credit loss provision to net charge-offs | 298.3651% | 973 |
| Earnings coverage of net charge-offs (x) | 21.9183% | 1,653 |
| Efficiency ratio | 76.1545% | 2,059 |
| Assets per employee ($millions) | 5.0349% | 2,264 |
| Cash dividends to net income (ytd only)* | 5.7692% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,838 |
| Loan loss allowance to noncurrent loans | 115.7513% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 3,057 |
| Noncurrent loans to loans | 0.8048% | 2,738 |
| Net loans and leases to total assets | 78.8646% | 1,088 |
| Net loans and leases to deposits | 100.1248% | 687 |
| Net loans and leases to core deposits | 108.8306% | 990 |
| Total domestic deposits to total assets | 78.7663% | 4,838 |
| Equity capital to assets | 13.1649% | 1,408 |
| Core capital (leverage) ratio | 12.1649% | 1,527 |
| Tier 1 risk-based capital ratio | 12.5845% | 4,459 |
| Total risk-based capital ratio | 13.9551% | 4,287 |
| Memoranda: | ||
| Average total assets | $1,781,807,000 | 433 |
| Average earning assets | $1,704,397,670 | 414 |
| Average equity | $232,170,330 | 380 |
| Average total loans | $1,400,862,000 | 396 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5620% | 4,729 |
| Cost of funding earning assets | 0.4762% | 2,313 |
| Net interest margin | 3.0858% | 4,902 |
| Noninterest income to average assets | 0.9827% | 1,117 |
| Noninterest expense to average assets | 2.9988% | 2,396 |
| Loan and lease loss provision to assets | 0.0990% | 2,041 |
| Net operating income to assets | 0.5760% | 4,288 |
| Return on assets (ROA) | 0.7620% | 3,537 |
| Pretax return on assets | 1.1331% | 2,959 |
| Return on Equity (ROE) | 5.8794% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.8358% | 2,449 |
| Net charge-offs to loans | 0.0133% | 2,680 |
| Credit loss provision to net charge-offs | 952.1739% | 383 |
| Earnings coverage of net charge-offs (x) | 89.7609% | 581 |
| Efficiency ratio | 75.2631% | 2,284 |
| Assets per employee ($millions) | 4.9768% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.7418% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 4,935 |
| Loan loss allowance to noncurrent loans | 101.8947% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 2,922 |
| Noncurrent loans to loans | 0.9169% | 2,559 |
| Net loans and leases to total assets | 76.4892% | 1,320 |
| Net loans and leases to deposits | 96.2956% | 918 |
| Net loans and leases to core deposits | 103.0623% | 1,257 |
| Total domestic deposits to total assets | 79.4316% | 4,874 |
| Equity capital to assets | 12.8421% | 1,487 |
| Core capital (leverage) ratio | 12.3767% | 1,392 |
| Tier 1 risk-based capital ratio | 12.8402% | 4,365 |
| Total risk-based capital ratio | 14.1461% | 4,243 |
| Memoranda: | ||
| Average total assets | $1,768,945,500 | 435 |
| Average earning assets | $1,690,945,500 | 415 |
| Average equity | $229,275,500 | 382 |
| Average total loans | $1,381,840,000 | 395 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6395% | 4,559 |
| Cost of funding earning assets | 0.4912% | 2,244 |
| Net interest margin | 3.1483% | 4,781 |
| Noninterest income to average assets | 1.0358% | 1,103 |
| Noninterest expense to average assets | 3.1086% | 2,208 |
| Loan and lease loss provision to assets | 0.1667% | 1,378 |
| Net operating income to assets | 0.5219% | 4,611 |
| Return on assets (ROA) | 0.7614% | 3,609 |
| Pretax return on assets | 1.1490% | 2,844 |
| Return on Equity (ROE) | 5.6064% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.2977% | 2,215 |
| Net charge-offs to loans | 0.1350% | 2,009 |
| Credit loss provision to net charge-offs | 157.2650% | 1,700 |
| Earnings coverage of net charge-offs (x) | 8.8308% | 2,892 |
| Efficiency ratio | 75.8628% | 2,297 |
| Assets per employee ($millions) | 4.7954% | 2,613 |
| Cash dividends to net income (ytd only)* | 5.5058% | 4,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,979 |
| Loan loss allowance to noncurrent loans | 121.2318% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 3,257 |
| Noncurrent loans to loans | 0.7660% | 2,879 |
| Net loans and leases to total assets | 78.3331% | 1,076 |
| Net loans and leases to deposits | 99.4626% | 715 |
| Net loans and leases to core deposits | 107.0014% | 1,046 |
| Total domestic deposits to total assets | 78.7563% | 5,022 |
| Equity capital to assets | 13.0860% | 1,311 |
| Core capital (leverage) ratio | 12.4492% | 1,369 |
| Tier 1 risk-based capital ratio | 13.0474% | 4,275 |
| Total risk-based capital ratio | 14.2867% | 4,199 |
| Memoranda: | ||
| Average total assets | $1,655,569,600 | 439 |
| Average earning assets | $1,582,265,200 | 417 |
| Average equity | $224,832,800 | 378 |
| Average total loans | $1,300,058,000 | 388 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6330% | 4,633 |
| Cost of funding earning assets | 0.4934% | 2,282 |
| Net interest margin | 3.1395% | 4,845 |
| Noninterest income to average assets | 1.0812% | 1,028 |
| Noninterest expense to average assets | 3.1496% | 2,084 |
| Loan and lease loss provision to assets | 0.1587% | 1,354 |
| Net operating income to assets | 0.5307% | 4,674 |
| Return on assets (ROA) | 0.7669% | 3,695 |
| Pretax return on assets | 1.1505% | 3,016 |
| Return on Equity (ROE) | 5.5935% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.2515% | 2,750 |
| Net charge-offs to loans | 0.1282% | 1,852 |
| Credit loss provision to net charge-offs | 158.0227% | 1,611 |
| Earnings coverage of net charge-offs (x) | 9.2828% | 2,714 |
| Efficiency ratio | 76.1636% | 2,222 |
| Assets per employee ($millions) | 4.6471% | 2,774 |
| Cash dividends to net income (ytd only)* | 6.1140% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 5,077 |
| Loan loss allowance to noncurrent loans | 128.0575% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 3,586 |
| Noncurrent loans to loans | 0.7253% | 3,157 |
| Net loans and leases to total assets | 77.9009% | 1,114 |
| Net loans and leases to deposits | 98.9348% | 735 |
| Net loans and leases to core deposits | 106.2705% | 1,077 |
| Total domestic deposits to total assets | 78.7396% | 5,040 |
| Equity capital to assets | 13.0799% | 1,411 |
| Core capital (leverage) ratio | 12.6389% | 1,346 |
| Tier 1 risk-based capital ratio | 13.2285% | 4,302 |
| Total risk-based capital ratio | 14.3494% | 4,294 |
| Memoranda: | ||
| Average total assets | $1,637,875,000 | 445 |
| Average earning assets | $1,565,537,500 | 425 |
| Average equity | $224,563,500 | 384 |
| Average total loans | $1,283,828,000 | 396 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6391% | 4,609 |
| Cost of funding earning assets | 0.4952% | 2,292 |
| Net interest margin | 3.1440% | 4,846 |
| Noninterest income to average assets | 1.0912% | 1,010 |
| Noninterest expense to average assets | 3.2080% | 1,964 |
| Loan and lease loss provision to assets | 0.1952% | 1,017 |
| Net operating income to assets | 0.4906% | 4,813 |
| Return on assets (ROA) | 0.7578% | 3,707 |
| Pretax return on assets | 1.1013% | 3,169 |
| Return on Equity (ROE) | 5.4394% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.1893% | 2,736 |
| Net charge-offs to loans | 0.1892% | 1,322 |
| Credit loss provision to net charge-offs | 131.7765% | 1,673 |
| Earnings coverage of net charge-offs (x) | 5.9992% | 2,844 |
| Efficiency ratio | 77.3022% | 2,160 |
| Assets per employee ($millions) | 4.5740% | 2,867 |
| Cash dividends to net income (ytd only)* | 4.5988% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 5,157 |
| Loan loss allowance to noncurrent loans | 126.6765% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 3,624 |
| Noncurrent loans to loans | 0.7398% | 3,262 |
| Net loans and leases to total assets | 77.8028% | 1,095 |
| Net loans and leases to deposits | 100.1896% | 645 |
| Net loans and leases to core deposits | 107.8531% | 963 |
| Total domestic deposits to total assets | 77.6555% | 5,347 |
| Equity capital to assets | 13.7750% | 1,067 |
| Core capital (leverage) ratio | 12.8665% | 1,230 |
| Tier 1 risk-based capital ratio | 13.2074% | 4,392 |
| Total risk-based capital ratio | 14.6407% | 4,212 |
| Memoranda: | ||
| Average total assets | $1,618,438,670 | 447 |
| Average earning assets | $1,547,288,670 | 424 |
| Average equity | $225,465,000 | 384 |
| Average total loans | $1,267,194,000 | 397 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6349% | 4,578 |
| Cost of funding earning assets | 0.4958% | 2,329 |
| Net interest margin | 3.1391% | 4,821 |
| Noninterest income to average assets | 1.1586% | 850 |
| Noninterest expense to average assets | 3.2939% | 1,730 |
| Loan and lease loss provision to assets | 0.0587% | 2,760 |
| Net operating income to assets | 0.5789% | 4,365 |
| Return on assets (ROA) | 0.7016% | 3,917 |
| Pretax return on assets | 1.0241% | 3,410 |
| Return on Equity (ROE) | 5.0077% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.7344% | 3,197 |
| Net charge-offs to loans | 0.0369% | 2,469 |
| Credit loss provision to net charge-offs | 203.4483% | 1,032 |
| Earnings coverage of net charge-offs (x) | 30.0517% | 1,149 |
| Efficiency ratio | 78.1775% | 2,160 |
| Assets per employee ($millions) | 4.4528% | 3,126 |
| Cash dividends to net income (ytd only)* | 5.4571% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 5,323 |
| Loan loss allowance to noncurrent loans | 126.4044% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 3,697 |
| Noncurrent loans to loans | 0.7383% | 3,417 |
| Net loans and leases to total assets | 77.4361% | 1,005 |
| Net loans and leases to deposits | 100.1376% | 554 |
| Net loans and leases to core deposits | 107.7530% | 834 |
| Total domestic deposits to total assets | 77.3296% | 5,562 |
| Equity capital to assets | 14.0172% | 981 |
| Core capital (leverage) ratio | 12.9091% | 1,186 |
| Tier 1 risk-based capital ratio | 13.2767% | 4,452 |
| Total risk-based capital ratio | 14.8817% | 4,170 |
| Memoranda: | ||
| Average total assets | $1,608,905,000 | 449 |
| Average earning assets | $1,538,659,000 | 426 |
| Average equity | $225,414,000 | 382 |
| Average total loans | $1,257,752,500 | 398 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 4,934 |
| Cost of funding earning assets | 0.5056% | 2,613 |
| Net interest margin | 3.1433% | 5,086 |
| Noninterest income to average assets | 0.9977% | 1,220 |
| Noninterest expense to average assets | 3.2657% | 2,023 |
| Loan and lease loss provision to assets | 0.0569% | 3,408 |
| Net operating income to assets | 0.4871% | 4,864 |
| Return on assets (ROA) | 0.8266% | 3,337 |
| Pretax return on assets | 1.1572% | 2,837 |
| Return on Equity (ROE) | 5.8056% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.5308% | 2,242 |
| Net charge-offs to loans | 0.0245% | 4,347 |
| Credit loss provision to net charge-offs | 302.0548% | 860 |
| Earnings coverage of net charge-offs (x) | 38.6233% | 1,117 |
| Efficiency ratio | 80.8516% | 1,795 |
| Assets per employee ($millions) | 4.3636% | 3,246 |
| Cash dividends to net income (ytd only)* | 4.7333% | 4,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 5,361 |
| Loan loss allowance to noncurrent loans | 113.0692% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 3,636 |
| Noncurrent loans to loans | 0.8244% | 3,252 |
| Net loans and leases to total assets | 77.4547% | 1,075 |
| Net loans and leases to deposits | 103.8139% | 442 |
| Net loans and leases to core deposits | 112.5060% | 670 |
| Total domestic deposits to total assets | 74.6091% | 5,895 |
| Equity capital to assets | 14.0036% | 953 |
| Core capital (leverage) ratio | 12.7098% | 1,247 |
| Tier 1 risk-based capital ratio | 16.2769% | 2,821 |
| Total risk-based capital ratio | 18.3400% | 2,432 |
| Memoranda: | ||
| Average total assets | $1,548,848,200 | 449 |
| Average earning assets | $1,476,361,000 | 429 |
| Average equity | $220,528,800 | 372 |
| Average total loans | $1,194,245,800 | 391 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 5,035 |
| Cost of funding earning assets | 0.5035% | 2,721 |
| Net interest margin | 3.1369% | 5,156 |
| Noninterest income to average assets | 1.0263% | 1,172 |
| Noninterest expense to average assets | 3.2328% | 2,081 |
| Loan and lease loss provision to assets | 0.0597% | 3,166 |
| Net operating income to assets | 0.5083% | 4,846 |
| Return on assets (ROA) | 0.6861% | 4,100 |
| Pretax return on assets | 0.9966% | 3,607 |
| Return on Equity (ROE) | 4.7984% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.5282% | 3,426 |
| Net charge-offs to loans | 0.0228% | 4,060 |
| Credit loss provision to net charge-offs | 340.5941% | 823 |
| Earnings coverage of net charge-offs (x) | 44.5193% | 1,053 |
| Efficiency ratio | 79.6400% | 1,969 |
| Assets per employee ($millions) | 4.2079% | 3,468 |
| Cash dividends to net income (ytd only)* | 5.6308% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 5,473 |
| Loan loss allowance to noncurrent loans | 113.8933% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 3,744 |
| Noncurrent loans to loans | 0.8238% | 3,512 |
| Net loans and leases to total assets | 77.3926% | 1,045 |
| Net loans and leases to deposits | 102.7917% | 463 |
| Net loans and leases to core deposits | 111.2925% | 696 |
| Total domestic deposits to total assets | 75.2907% | 5,896 |
| Equity capital to assets | 14.0812% | 976 |
| Core capital (leverage) ratio | 12.7200% | 1,293 |
| Tier 1 risk-based capital ratio | 16.1259% | 2,998 |
| Total risk-based capital ratio | 18.2056% | 2,585 |
| Memoranda: | ||
| Average total assets | $1,535,696,000 | 450 |
| Average earning assets | $1,462,421,500 | 432 |
| Average equity | $219,595,750 | 368 |
| Average total loans | $1,179,788,750 | 394 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6449% | 5,024 |
| Cost of funding earning assets | 0.5022% | 2,812 |
| Net interest margin | 3.1426% | 5,113 |
| Noninterest income to average assets | 1.0352% | 1,108 |
| Noninterest expense to average assets | 3.2721% | 1,988 |
| Loan and lease loss provision to assets | 0.0561% | 3,173 |
| Net operating income to assets | 0.4965% | 4,825 |
| Return on assets (ROA) | 0.6187% | 4,357 |
| Pretax return on assets | 0.8896% | 3,924 |
| Return on Equity (ROE) | 4.3040% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.9620% | 3,660 |
| Net charge-offs to loans | 0.0189% | 3,839 |
| Credit loss provision to net charge-offs | 388.1818% | 710 |
| Earnings coverage of net charge-offs (x) | 51.9545% | 887 |
| Efficiency ratio | 80.4175% | 1,958 |
| Assets per employee ($millions) | 4.2806% | 3,309 |
| Cash dividends to net income (ytd only)* | 7.9456% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 5,554 |
| Loan loss allowance to noncurrent loans | 127.0255% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 4,053 |
| Noncurrent loans to loans | 0.7498% | 3,829 |
| Net loans and leases to total assets | 76.0732% | 1,148 |
| Net loans and leases to deposits | 100.7014% | 520 |
| Net loans and leases to core deposits | 109.4718% | 715 |
| Total domestic deposits to total assets | 75.5434% | 5,963 |
| Equity capital to assets | 14.3615% | 856 |
| Core capital (leverage) ratio | 12.6034% | 1,343 |
| Tier 1 risk-based capital ratio | 16.1593% | 3,001 |
| Total risk-based capital ratio | 18.5172% | 2,468 |
| Memoranda: | ||
| Average total assets | $1,521,608,000 | 452 |
| Average earning assets | $1,446,750,670 | 432 |
| Average equity | $218,729,000 | 367 |
| Average total loans | $1,162,121,330 | 397 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 5,071 |
| Cost of funding earning assets | 0.4940% | 2,968 |
| Net interest margin | 3.1347% | 5,134 |
| Noninterest income to average assets | 1.0462% | 1,022 |
| Noninterest expense to average assets | 3.3587% | 1,807 |
| Loan and lease loss provision to assets | 0.0737% | 2,664 |
| Net operating income to assets | 0.4420% | 4,965 |
| Return on assets (ROA) | 0.5803% | 4,364 |
| Pretax return on assets | 0.8081% | 4,076 |
| Return on Equity (ROE) | 4.0350% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.6188% | 3,959 |
| Net charge-offs to loans | 0.0290% | 3,002 |
| Credit loss provision to net charge-offs | 333.7349% | 738 |
| Earnings coverage of net charge-offs (x) | 30.4578% | 1,044 |
| Efficiency ratio | 82.3906% | 1,878 |
| Assets per employee ($millions) | 4.1419% | 3,638 |
| Cash dividends to net income (ytd only)* | 10.3164% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 5,640 |
| Loan loss allowance to noncurrent loans | 137.0366% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 4,322 |
| Noncurrent loans to loans | 0.7071% | 4,102 |
| Net loans and leases to total assets | 74.7805% | 1,155 |
| Net loans and leases to deposits | 96.6968% | 610 |
| Net loans and leases to core deposits | 105.6771% | 770 |
| Total domestic deposits to total assets | 77.3351% | 5,925 |
| Equity capital to assets | 14.1164% | 884 |
| Core capital (leverage) ratio | 12.7615% | 1,266 |
| Tier 1 risk-based capital ratio | 16.3280% | 2,993 |
| Total risk-based capital ratio | 18.5380% | 2,523 |
| Memoranda: | ||
| Average total assets | $1,503,340,500 | 457 |
| Average earning assets | $1,431,589,000 | 439 |
| Average equity | $216,207,000 | 368 |
| Average total loans | $1,144,818,000 | 400 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7571% | 4,951 |
| Cost of funding earning assets | 0.5441% | 3,162 |
| Net interest margin | 3.2130% | 4,962 |
| Noninterest income to average assets | 0.9903% | 1,419 |
| Noninterest expense to average assets | 3.3093% | 2,118 |
| Loan and lease loss provision to assets | 0.0625% | 3,884 |
| Net operating income to assets | 0.4621% | 4,898 |
| Return on assets (ROA) | 0.8004% | 3,390 |
| Pretax return on assets | 1.1610% | 2,730 |
| Return on Equity (ROE) | 5.6983% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.5249% | 2,261 |
| Net charge-offs to loans | 0.0266% | 4,887 |
| Credit loss provision to net charge-offs | 313.7324% | 730 |
| Earnings coverage of net charge-offs (x) | 36.3944% | 1,028 |
| Efficiency ratio | 81.1218% | 2,007 |
| Assets per employee ($millions) | 4.0383% | 3,787 |
| Cash dividends to net income (ytd only)* | 3.0433% | 4,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 5,644 |
| Loan loss allowance to noncurrent loans | 116.7404% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7176% | 4,092 |
| Noncurrent loans to loans | 0.8429% | 3,874 |
| Net loans and leases to total assets | 76.0677% | 1,065 |
| Net loans and leases to deposits | 101.2859% | 428 |
| Net loans and leases to core deposits | 109.9329% | 609 |
| Total domestic deposits to total assets | 75.1020% | 6,184 |
| Equity capital to assets | 14.6607% | 749 |
| Core capital (leverage) ratio | 12.8800% | 1,188 |
| Tier 1 risk-based capital ratio | 16.6076% | 2,793 |
| Total risk-based capital ratio | 18.8432% | 2,355 |
| Memoranda: | ||
| Average total assets | $1,424,561,600 | 472 |
| Average earning assets | $1,349,874,600 | 457 |
| Average equity | $200,094,200 | 389 |
| Average total loans | $1,066,588,200 | 409 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,948 |
| Cost of funding earning assets | 0.5550% | 3,213 |
| Net interest margin | 3.2186% | 4,936 |
| Noninterest income to average assets | 1.0196% | 1,398 |
| Noninterest expense to average assets | 3.3092% | 2,057 |
| Loan and lease loss provision to assets | 0.0652% | 3,753 |
| Net operating income to assets | 0.4786% | 4,895 |
| Return on assets (ROA) | 0.7776% | 3,601 |
| Pretax return on assets | 1.1459% | 2,913 |
| Return on Equity (ROE) | 5.5996% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.4075% | 2,794 |
| Net charge-offs to loans | 0.0179% | 4,772 |
| Credit loss provision to net charge-offs | 490.7801% | 555 |
| Earnings coverage of net charge-offs (x) | 56.8284% | 788 |
| Efficiency ratio | 80.5446% | 2,025 |
| Assets per employee ($millions) | 4.0747% | 3,687 |
| Cash dividends to net income (ytd only)* | 3.4311% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 5,712 |
| Loan loss allowance to noncurrent loans | 108.5458% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 4,241 |
| Noncurrent loans to loans | 0.9219% | 3,973 |
| Net loans and leases to total assets | 73.5385% | 1,358 |
| Net loans and leases to deposits | 98.4415% | 543 |
| Net loans and leases to core deposits | 106.9844% | 706 |
| Total domestic deposits to total assets | 74.7028% | 6,305 |
| Equity capital to assets | 13.6086% | 1,075 |
| Core capital (leverage) ratio | 12.7485% | 1,304 |
| Tier 1 risk-based capital ratio | 16.0581% | 3,164 |
| Total risk-based capital ratio | 17.9353% | 2,823 |
| Memoranda: | ||
| Average total assets | $1,414,226,500 | 480 |
| Average earning assets | $1,337,976,000 | 462 |
| Average equity | $196,390,000 | 394 |
| Average total loans | $1,051,695,500 | 414 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 4,768 |
| Cost of funding earning assets | 0.5693% | 3,225 |
| Net interest margin | 3.2479% | 4,777 |
| Noninterest income to average assets | 1.0432% | 1,401 |
| Noninterest expense to average assets | 3.3074% | 2,051 |
| Loan and lease loss provision to assets | 0.0346% | 4,249 |
| Net operating income to assets | 0.5314% | 4,659 |
| Return on assets (ROA) | 0.7882% | 3,524 |
| Pretax return on assets | 1.1732% | 2,794 |
| Return on Equity (ROE) | 5.6359% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.4221% | 2,793 |
| Net charge-offs to loans | 0.0243% | 4,358 |
| Credit loss provision to net charge-offs | 191.2698% | 1,245 |
| Earnings coverage of net charge-offs (x) | 44.8333% | 856 |
| Efficiency ratio | 79.4424% | 2,232 |
| Assets per employee ($millions) | 4.0723% | 3,643 |
| Cash dividends to net income (ytd only)* | 3.7935% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 5,777 |
| Loan loss allowance to noncurrent loans | 98.2555% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 4,178 |
| Noncurrent loans to loans | 1.0283% | 3,878 |
| Net loans and leases to total assets | 72.5813% | 1,465 |
| Net loans and leases to deposits | 94.8458% | 751 |
| Net loans and leases to core deposits | 103.2475% | 873 |
| Total domestic deposits to total assets | 76.5256% | 6,191 |
| Equity capital to assets | 13.8078% | 1,021 |
| Core capital (leverage) ratio | 12.8604% | 1,217 |
| Tier 1 risk-based capital ratio | 16.5297% | 2,930 |
| Total risk-based capital ratio | 18.3576% | 2,645 |
| Memoranda: | ||
| Average total assets | $1,391,236,000 | 486 |
| Average earning assets | $1,317,713,330 | 468 |
| Average equity | $194,572,670 | 394 |
| Average total loans | $1,035,011,670 | 417 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8563% | 4,630 |
| Cost of funding earning assets | 0.5895% | 3,209 |
| Net interest margin | 3.2667% | 4,643 |
| Noninterest income to average assets | 1.0360% | 1,377 |
| Noninterest expense to average assets | 3.2579% | 2,192 |
| Loan and lease loss provision to assets | 0.0067% | 4,357 |
| Net operating income to assets | 0.5967% | 4,232 |
| Return on assets (ROA) | 0.6883% | 3,895 |
| Pretax return on assets | 1.0191% | 3,267 |
| Return on Equity (ROE) | 4.8888% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.5906% | 3,484 |
| Net charge-offs to loans | 0.0346% | 3,547 |
| Credit loss provision to net charge-offs | 25.8427% | 2,954 |
| Earnings coverage of net charge-offs (x) | 33.6517% | 901 |
| Efficiency ratio | 78.0185% | 2,607 |
| Assets per employee ($millions) | 4.2650% | 3,397 |
| Cash dividends to net income (ytd only)* | 6.0991% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 5,952 |
| Loan loss allowance to noncurrent loans | 103.3668% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 4,375 |
| Noncurrent loans to loans | 0.9762% | 4,179 |
| Net loans and leases to total assets | 74.1172% | 1,059 |
| Net loans and leases to deposits | 98.0734% | 437 |
| Net loans and leases to core deposits | 109.1033% | 523 |
| Total domestic deposits to total assets | 75.5732% | 6,404 |
| Equity capital to assets | 14.2978% | 937 |
| Core capital (leverage) ratio | 13.1523% | 1,055 |
| Tier 1 risk-based capital ratio | 16.7945% | 2,862 |
| Total risk-based capital ratio | 18.6937% | 2,542 |
| Memoranda: | ||
| Average total assets | $1,372,170,500 | 494 |
| Average earning assets | $1,300,016,000 | 473 |
| Average equity | $193,177,000 | 400 |
| Average total loans | $1,028,496,500 | 420 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 5,024 |
| Cost of funding earning assets | 0.6471% | 3,936 |
| Net interest margin | 3.4309% | 4,776 |
| Noninterest income to average assets | 0.9740% | 1,618 |
| Noninterest expense to average assets | 3.3270% | 2,262 |
| Loan and lease loss provision to assets | 0.1355% | 3,934 |
| Net operating income to assets | 0.5135% | 4,628 |
| Return on assets (ROA) | 0.6847% | 4,074 |
| Pretax return on assets | 1.0123% | 3,509 |
| Return on Equity (ROE) | 5.0447% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.9365% | 2,744 |
| Net charge-offs to loans | 0.1034% | 4,636 |
| Credit loss provision to net charge-offs | 179.8237% | 1,461 |
| Earnings coverage of net charge-offs (x) | 11.7052% | 2,002 |
| Efficiency ratio | 78.2157% | 2,413 |
| Assets per employee ($millions) | 4.1669% | 3,622 |
| Cash dividends to net income (ytd only)* | 2.1444% | 4,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 5,892 |
| Loan loss allowance to noncurrent loans | 91.5720% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 4,281 |
| Noncurrent loans to loans | 1.1153% | 3,979 |
| Net loans and leases to total assets | 74.2696% | 1,159 |
| Net loans and leases to deposits | 98.6779% | 474 |
| Net loans and leases to core deposits | 109.8310% | 543 |
| Total domestic deposits to total assets | 75.2647% | 6,426 |
| Equity capital to assets | 13.8569% | 1,100 |
| Core capital (leverage) ratio | 13.0997% | 1,078 |
| Tier 1 risk-based capital ratio | 16.6260% | 2,826 |
| Total risk-based capital ratio | 18.1599% | 2,658 |
| Memoranda: | ||
| Average total assets | $1,355,264,600 | 491 |
| Average earning assets | $1,277,841,400 | 473 |
| Average equity | $183,956,600 | 401 |
| Average total loans | $987,735,200 | 426 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 5,228 |
| Cost of funding earning assets | 0.6555% | 4,147 |
| Net interest margin | 3.4340% | 4,904 |
| Noninterest income to average assets | 0.9915% | 1,526 |
| Noninterest expense to average assets | 3.3356% | 2,171 |
| Loan and lease loss provision to assets | 0.1349% | 3,857 |
| Net operating income to assets | 0.5178% | 4,774 |
| Return on assets (ROA) | 0.6757% | 4,289 |
| Pretax return on assets | 1.0141% | 3,652 |
| Return on Equity (ROE) | 5.0046% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.9178% | 3,423 |
| Net charge-offs to loans | 0.0895% | 4,482 |
| Credit loss provision to net charge-offs | 208.2192% | 1,326 |
| Earnings coverage of net charge-offs (x) | 13.7747% | 1,887 |
| Efficiency ratio | 78.0641% | 2,394 |
| Assets per employee ($millions) | 4.0944% | 3,687 |
| Cash dividends to net income (ytd only)* | 1.7362% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 5,969 |
| Loan loss allowance to noncurrent loans | 75.9095% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 4,149 |
| Noncurrent loans to loans | 1.3569% | 3,755 |
| Net loans and leases to total assets | 73.0833% | 1,376 |
| Net loans and leases to deposits | 96.1870% | 647 |
| Net loans and leases to core deposits | 105.6681% | 756 |
| Total domestic deposits to total assets | 75.9804% | 6,381 |
| Equity capital to assets | 13.7992% | 1,231 |
| Core capital (leverage) ratio | 12.9179% | 1,218 |
| Tier 1 risk-based capital ratio | 16.6088% | 2,935 |
| Total risk-based capital ratio | 18.1809% | 2,730 |
| Memoranda: | ||
| Average total assets | $1,352,397,500 | 496 |
| Average earning assets | $1,274,556,000 | 476 |
| Average equity | $182,599,000 | 406 |
| Average total loans | $978,283,750 | 427 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 5,244 |
| Cost of funding earning assets | 0.6627% | 4,344 |
| Net interest margin | 3.4570% | 4,852 |
| Noninterest income to average assets | 0.9660% | 1,557 |
| Noninterest expense to average assets | 3.4022% | 2,032 |
| Loan and lease loss provision to assets | 0.1756% | 3,346 |
| Net operating income to assets | 0.4477% | 5,048 |
| Return on assets (ROA) | 0.6382% | 4,425 |
| Pretax return on assets | 0.9399% | 3,926 |
| Return on Equity (ROE) | 4.7624% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.7446% | 3,446 |
| Net charge-offs to loans | 0.1278% | 3,904 |
| Credit loss provision to net charge-offs | 191.2763% | 1,480 |
| Earnings coverage of net charge-offs (x) | 8.9192% | 2,228 |
| Efficiency ratio | 79.7674% | 2,221 |
| Assets per employee ($millions) | 4.2679% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.3717% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 6,036 |
| Loan loss allowance to noncurrent loans | 73.8995% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1478% | 4,094 |
| Noncurrent loans to loans | 1.3927% | 3,832 |
| Net loans and leases to total assets | 72.6686% | 1,450 |
| Net loans and leases to deposits | 96.4899% | 598 |
| Net loans and leases to core deposits | 105.0724% | 788 |
| Total domestic deposits to total assets | 75.3121% | 6,555 |
| Equity capital to assets | 13.5665% | 1,274 |
| Core capital (leverage) ratio | 12.8036% | 1,215 |
| Tier 1 risk-based capital ratio | 16.4207% | 2,955 |
| Total risk-based capital ratio | 17.8931% | 2,784 |
| Memoranda: | ||
| Average total assets | $1,348,718,670 | 499 |
| Average earning assets | $1,269,885,000 | 480 |
| Average equity | $180,751,000 | 411 |
| Average total loans | $968,774,000 | 434 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 5,444 |
| Cost of funding earning assets | 0.6679% | 4,555 |
| Net interest margin | 3.4354% | 4,980 |
| Noninterest income to average assets | 0.9232% | 1,655 |
| Noninterest expense to average assets | 3.4683% | 1,827 |
| Loan and lease loss provision to assets | 0.1277% | 3,751 |
| Net operating income to assets | 0.3870% | 5,313 |
| Return on assets (ROA) | 0.5620% | 4,757 |
| Pretax return on assets | 0.8270% | 4,312 |
| Return on Equity (ROE) | 4.2196% | 5,187 |
| Retained earnings to average equity (ytd only) | 4.1839% | 4,080 |
| Net charge-offs to loans | 0.0627% | 3,871 |
| Credit loss provision to net charge-offs | 286.6667% | 1,023 |
| Earnings coverage of net charge-offs (x) | 15.4733% | 1,414 |
| Efficiency ratio | 82.5677% | 1,866 |
| Assets per employee ($millions) | 4.2327% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.8457% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 6,160 |
| Loan loss allowance to noncurrent loans | 74.4271% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.1636% | 4,181 |
| Noncurrent loans to loans | 1.3781% | 4,050 |
| Net loans and leases to total assets | 70.8106% | 1,609 |
| Net loans and leases to deposits | 92.6419% | 753 |
| Net loans and leases to core deposits | 101.1936% | 908 |
| Total domestic deposits to total assets | 76.4347% | 6,493 |
| Equity capital to assets | 13.4569% | 1,253 |
| Core capital (leverage) ratio | 12.6567% | 1,266 |
| Tier 1 risk-based capital ratio | 16.6688% | 2,828 |
| Total risk-based capital ratio | 18.2554% | 2,639 |
| Memoranda: | ||
| Average total assets | $1,346,611,500 | 497 |
| Average earning assets | $1,267,858,000 | 481 |
| Average equity | $179,353,500 | 414 |
| Average total loans | $956,470,500 | 433 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 5,447 |
| Cost of funding earning assets | 0.7820% | 4,994 |
| Net interest margin | 3.6127% | 4,680 |
| Noninterest income to average assets | 0.8668% | 1,781 |
| Noninterest expense to average assets | 3.2472% | 2,699 |
| Loan and lease loss provision to assets | 0.1243% | 5,053 |
| Net operating income to assets | 0.6034% | 3,985 |
| Return on assets (ROA) | 0.6578% | 3,888 |
| Pretax return on assets | 0.9890% | 3,280 |
| Return on Equity (ROE) | 4.7976% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.7652% | 2,815 |
| Net charge-offs to loans | 0.2099% | 4,478 |
| Credit loss provision to net charge-offs | 82.1981% | 4,357 |
| Earnings coverage of net charge-offs (x) | 6.7255% | 2,462 |
| Efficiency ratio | 75.5256% | 2,970 |
| Assets per employee ($millions) | 4.2099% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.6761% | 4,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 6,103 |
| Loan loss allowance to noncurrent loans | 84.4171% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.1032% | 4,411 |
| Noncurrent loans to loans | 1.2122% | 4,343 |
| Net loans and leases to total assets | 69.7840% | 2,074 |
| Net loans and leases to deposits | 90.9330% | 1,060 |
| Net loans and leases to core deposits | 99.1527% | 1,248 |
| Total domestic deposits to total assets | 76.7422% | 6,374 |
| Equity capital to assets | 13.1792% | 1,404 |
| Core capital (leverage) ratio | 12.6714% | 1,279 |
| Tier 1 risk-based capital ratio | 16.9448% | 2,632 |
| Total risk-based capital ratio | 18.3341% | 2,519 |
| Memoranda: | ||
| Average total assets | $1,281,696,800 | 512 |
| Average earning assets | $1,205,269,400 | 493 |
| Average equity | $175,734,000 | 403 |
| Average total loans | $923,368,600 | 454 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 5,425 |
| Cost of funding earning assets | 0.8070% | 5,105 |
| Net interest margin | 3.6445% | 4,596 |
| Noninterest income to average assets | 0.8724% | 1,747 |
| Noninterest expense to average assets | 3.2150% | 2,787 |
| Loan and lease loss provision to assets | 0.1417% | 4,666 |
| Net operating income to assets | 0.6237% | 3,998 |
| Return on assets (ROA) | 0.6910% | 3,838 |
| Pretax return on assets | 1.0703% | 3,129 |
| Return on Equity (ROE) | 4.9889% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.9570% | 3,199 |
| Net charge-offs to loans | 0.2394% | 3,924 |
| Credit loss provision to net charge-offs | 81.6859% | 4,087 |
| Earnings coverage of net charge-offs (x) | 6.2517% | 2,588 |
| Efficiency ratio | 74.1993% | 3,139 |
| Assets per employee ($millions) | 4.2798% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.6394% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 6,092 |
| Loan loss allowance to noncurrent loans | 73.3833% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2310% | 4,336 |
| Noncurrent loans to loans | 1.4158% | 4,167 |
| Net loans and leases to total assets | 71.5003% | 1,820 |
| Net loans and leases to deposits | 93.8597% | 848 |
| Net loans and leases to core deposits | 102.7629% | 1,052 |
| Total domestic deposits to total assets | 76.1778% | 6,508 |
| Equity capital to assets | 13.5006% | 1,369 |
| Core capital (leverage) ratio | 13.0775% | 1,198 |
| Tier 1 risk-based capital ratio | 17.2887% | 2,532 |
| Total risk-based capital ratio | 18.3758% | 2,555 |
| Memoranda: | ||
| Average total assets | $1,267,431,750 | 523 |
| Average earning assets | $1,191,840,500 | 503 |
| Average equity | $175,558,000 | 410 |
| Average total loans | $918,236,500 | 459 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 5,388 |
| Cost of funding earning assets | 0.8191% | 5,251 |
| Net interest margin | 3.6693% | 4,416 |
| Noninterest income to average assets | 0.9030% | 1,635 |
| Noninterest expense to average assets | 3.2608% | 2,700 |
| Loan and lease loss provision to assets | 0.1147% | 4,854 |
| Net operating income to assets | 0.6520% | 3,788 |
| Return on assets (ROA) | 0.6969% | 3,677 |
| Pretax return on assets | 1.0765% | 2,949 |
| Return on Equity (ROE) | 4.9877% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.9388% | 3,042 |
| Net charge-offs to loans | 0.1676% | 4,172 |
| Credit loss provision to net charge-offs | 94.3791% | 3,326 |
| Earnings coverage of net charge-offs (x) | 9.0105% | 1,979 |
| Efficiency ratio | 74.2861% | 3,310 |
| Assets per employee ($millions) | 4.2806% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.9802% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 6,057 |
| Loan loss allowance to noncurrent loans | 66.7986% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3378% | 4,223 |
| Noncurrent loans to loans | 1.6058% | 3,983 |
| Net loans and leases to total assets | 72.0162% | 1,782 |
| Net loans and leases to deposits | 95.0344% | 799 |
| Net loans and leases to core deposits | 103.7795% | 1,055 |
| Total domestic deposits to total assets | 75.7791% | 6,632 |
| Equity capital to assets | 14.0508% | 1,085 |
| Core capital (leverage) ratio | 13.0443% | 1,143 |
| Tier 1 risk-based capital ratio | 17.0728% | 2,489 |
| Total risk-based capital ratio | 18.1109% | 2,549 |
| Memoranda: | ||
| Average total assets | $1,259,075,000 | 526 |
| Average earning assets | $1,184,749,000 | 508 |
| Average equity | $175,912,330 | 410 |
| Average total loans | $913,033,670 | 470 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 5,422 |
| Cost of funding earning assets | 0.8316% | 5,382 |
| Net interest margin | 3.6440% | 4,357 |
| Noninterest income to average assets | 0.9287% | 1,550 |
| Noninterest expense to average assets | 3.2373% | 2,745 |
| Loan and lease loss provision to assets | 0.1138% | 4,590 |
| Net operating income to assets | 0.6879% | 3,566 |
| Return on assets (ROA) | 0.6150% | 4,030 |
| Pretax return on assets | 0.9399% | 3,364 |
| Return on Equity (ROE) | 4.4143% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.3363% | 3,573 |
| Net charge-offs to loans | 0.0314% | 4,661 |
| Credit loss provision to net charge-offs | 501.4085% | 712 |
| Earnings coverage of net charge-offs (x) | 49.4789% | 586 |
| Efficiency ratio | 73.6580% | 3,579 |
| Assets per employee ($millions) | 4.4180% | 3,021 |
| Cash dividends to net income (ytd only)* | 1.7681% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 5,959 |
| Loan loss allowance to noncurrent loans | 46.2115% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 1.8466% | 3,499 |
| Noncurrent loans to loans | 2.4296% | 3,064 |
| Net loans and leases to total assets | 71.2152% | 1,879 |
| Net loans and leases to deposits | 93.7102% | 858 |
| Net loans and leases to core deposits | 103.1029% | 1,123 |
| Total domestic deposits to total assets | 75.9951% | 6,672 |
| Equity capital to assets | 13.8504% | 1,048 |
| Core capital (leverage) ratio | 13.1341% | 1,079 |
| Tier 1 risk-based capital ratio | 17.1177% | 2,429 |
| Total risk-based capital ratio | 18.2098% | 2,469 |
| Memoranda: | ||
| Average total assets | $1,250,802,500 | 534 |
| Average earning assets | $1,178,031,000 | 517 |
| Average equity | $174,251,000 | 412 |
| Average total loans | $905,243,500 | 480 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 5,187 |
| Cost of funding earning assets | 1.0382% | 5,495 |
| Net interest margin | 3.8248% | 3,839 |
| Noninterest income to average assets | 0.8483% | 2,064 |
| Noninterest expense to average assets | 3.1785% | 3,163 |
| Loan and lease loss provision to assets | 0.3826% | 3,820 |
| Net operating income to assets | 0.5731% | 3,787 |
| Return on assets (ROA) | 0.5654% | 3,979 |
| Pretax return on assets | 0.8741% | 3,394 |
| Return on Equity (ROE) | 4.1153% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.0802% | 3,003 |
| Net charge-offs to loans | 0.4826% | 3,690 |
| Credit loss provision to net charge-offs | 106.9519% | 4,161 |
| Earnings coverage of net charge-offs (x) | 3.5029% | 3,330 |
| Efficiency ratio | 71.1350% | 3,965 |
| Assets per employee ($millions) | 4.3436% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.8531% | 3,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 5,883 |
| Loan loss allowance to noncurrent loans | 44.5871% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 1.9074% | 3,462 |
| Noncurrent loans to loans | 2.5095% | 3,018 |
| Net loans and leases to total assets | 71.9206% | 2,117 |
| Net loans and leases to deposits | 95.1495% | 936 |
| Net loans and leases to core deposits | 105.2740% | 1,239 |
| Total domestic deposits to total assets | 75.5870% | 6,683 |
| Equity capital to assets | 14.0148% | 1,035 |
| Core capital (leverage) ratio | 13.0397% | 1,117 |
| Tier 1 risk-based capital ratio | 17.1797% | 2,281 |
| Total risk-based capital ratio | 18.2592% | 2,307 |
| Memoranda: | ||
| Average total assets | $1,202,438,800 | 558 |
| Average earning assets | $1,126,501,000 | 539 |
| Average equity | $165,211,600 | 420 |
| Average total loans | $891,252,600 | 504 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 5,085 |
| Cost of funding earning assets | 1.0733% | 5,577 |
| Net interest margin | 3.8648% | 3,677 |
| Noninterest income to average assets | 0.8725% | 1,900 |
| Noninterest expense to average assets | 3.1799% | 3,000 |
| Loan and lease loss provision to assets | 0.4126% | 3,429 |
| Net operating income to assets | 0.5979% | 3,886 |
| Return on assets (ROA) | 0.5697% | 4,175 |
| Pretax return on assets | 0.8760% | 3,640 |
| Return on Equity (ROE) | 4.1676% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.1203% | 3,571 |
| Net charge-offs to loans | 0.5215% | 3,214 |
| Credit loss provision to net charge-offs | 106.2303% | 4,022 |
| Earnings coverage of net charge-offs (x) | 3.3698% | 3,478 |
| Efficiency ratio | 70.2546% | 4,010 |
| Assets per employee ($millions) | 4.2108% | 3,432 |
| Cash dividends to net income (ytd only)* | 1.1352% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,806 |
| Loan loss allowance to noncurrent loans | 45.7530% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.9252% | 3,578 |
| Noncurrent loans to loans | 2.4720% | 3,153 |
| Net loans and leases to total assets | 70.7844% | 2,537 |
| Net loans and leases to deposits | 93.1962% | 1,305 |
| Net loans and leases to core deposits | 103.0389% | 1,564 |
| Total domestic deposits to total assets | 75.9521% | 6,668 |
| Equity capital to assets | 13.5994% | 1,314 |
| Core capital (leverage) ratio | 12.8524% | 1,285 |
| Tier 1 risk-based capital ratio | 17.0049% | 2,337 |
| Total risk-based capital ratio | 18.1016% | 2,356 |
| Memoranda: | ||
| Average total assets | $1,195,740,250 | 555 |
| Average earning assets | $1,118,781,250 | 538 |
| Average equity | $163,446,000 | 414 |
| Average total loans | $890,546,750 | 503 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0197% | 4,851 |
| Cost of funding earning assets | 1.1035% | 5,651 |
| Net interest margin | 3.9162% | 3,370 |
| Noninterest income to average assets | 0.9025% | 1,681 |
| Noninterest expense to average assets | 3.1955% | 2,914 |
| Loan and lease loss provision to assets | 0.5719% | 2,488 |
| Net operating income to assets | 0.5489% | 4,100 |
| Return on assets (ROA) | 0.4817% | 4,567 |
| Pretax return on assets | 0.7277% | 4,143 |
| Return on Equity (ROE) | 3.5176% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.4499% | 3,910 |
| Net charge-offs to loans | 0.7077% | 2,447 |
| Credit loss provision to net charge-offs | 107.0729% | 3,811 |
| Earnings coverage of net charge-offs (x) | 2.5674% | 3,714 |
| Efficiency ratio | 69.3884% | 4,298 |
| Assets per employee ($millions) | 4.4640% | 2,934 |
| Cash dividends to net income (ytd only)* | 1.9258% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 5,868 |
| Loan loss allowance to noncurrent loans | 38.9327% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 2.2143% | 3,243 |
| Noncurrent loans to loans | 2.8646% | 2,792 |
| Net loans and leases to total assets | 73.0410% | 2,157 |
| Net loans and leases to deposits | 95.9134% | 1,056 |
| Net loans and leases to core deposits | 105.7608% | 1,472 |
| Total domestic deposits to total assets | 76.1531% | 6,661 |
| Equity capital to assets | 13.4215% | 1,380 |
| Core capital (leverage) ratio | 12.8502% | 1,258 |
| Tier 1 risk-based capital ratio | 16.6867% | 2,407 |
| Total risk-based capital ratio | 17.7841% | 2,412 |
| Memoranda: | ||
| Average total assets | $1,185,872,330 | 562 |
| Average earning assets | $1,109,590,670 | 543 |
| Average equity | $162,381,330 | 419 |
| Average total loans | $894,970,670 | 502 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 4,562 |
| Cost of funding earning assets | 1.1633% | 5,586 |
| Net interest margin | 3.9303% | 3,199 |
| Noninterest income to average assets | 0.9063% | 1,599 |
| Noninterest expense to average assets | 3.2859% | 2,572 |
| Loan and lease loss provision to assets | 0.3775% | 3,105 |
| Net operating income to assets | 0.6297% | 3,761 |
| Return on assets (ROA) | 0.5479% | 4,279 |
| Pretax return on assets | 0.8315% | 3,738 |
| Return on Equity (ROE) | 3.9609% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.8847% | 3,811 |
| Net charge-offs to loans | 0.3459% | 3,025 |
| Credit loss provision to net charge-offs | 143.0412% | 2,486 |
| Earnings coverage of net charge-offs (x) | 4.9369% | 2,508 |
| Efficiency ratio | 71.0220% | 4,113 |
| Assets per employee ($millions) | 4.3443% | 3,219 |
| Cash dividends to net income (ytd only)* | 1.9243% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 5,905 |
| Loan loss allowance to noncurrent loans | 41.8990% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 2.1203% | 3,354 |
| Noncurrent loans to loans | 2.6769% | 2,996 |
| Net loans and leases to total assets | 74.6228% | 1,827 |
| Net loans and leases to deposits | 100.7032% | 714 |
| Net loans and leases to core deposits | 111.3380% | 1,197 |
| Total domestic deposits to total assets | 74.1018% | 7,032 |
| Equity capital to assets | 13.8618% | 1,186 |
| Core capital (leverage) ratio | 13.3547% | 1,115 |
| Tier 1 risk-based capital ratio | 17.2880% | 2,158 |
| Total risk-based capital ratio | 18.4165% | 2,164 |
| Memoranda: | ||
| Average total assets | $1,176,173,000 | 581 |
| Average earning assets | $1,102,013,000 | 560 |
| Average equity | $162,689,500 | 423 |
| Average total loans | $897,320,500 | 520 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3536% | 4,926 |
| Cost of funding earning assets | 1.5825% | 5,113 |
| Net interest margin | 3.7711% | 3,834 |
| Noninterest income to average assets | 0.8838% | 2,014 |
| Noninterest expense to average assets | 3.0918% | 3,778 |
| Loan and lease loss provision to assets | 0.2333% | 5,509 |
| Net operating income to assets | 0.7104% | 2,892 |
| Return on assets (ROA) | 0.6577% | 3,158 |
| Pretax return on assets | 1.0490% | 2,418 |
| Return on Equity (ROE) | 4.9418% | 3,697 |
| Retained earnings to average equity (ytd only) | 4.9334% | 1,855 |
| Net charge-offs to loans | 0.1523% | 5,741 |
| Credit loss provision to net charge-offs | 197.5930% | 1,994 |
| Earnings coverage of net charge-offs (x) | 11.3129% | 1,601 |
| Efficiency ratio | 69.2385% | 4,781 |
| Assets per employee ($millions) | 4.3358% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.1702% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 6,001 |
| Loan loss allowance to noncurrent loans | 37.9368% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 2.2130% | 3,112 |
| Noncurrent loans to loans | 2.8438% | 2,706 |
| Net loans and leases to total assets | 76.2956% | 1,730 |
| Net loans and leases to deposits | 105.5459% | 577 |
| Net loans and leases to core deposits | 126.3588% | 1,485 |
| Total domestic deposits to total assets | 72.2866% | 7,217 |
| Equity capital to assets | 13.8019% | 1,220 |
| Core capital (leverage) ratio | 12.9123% | 1,275 |
| Tier 1 risk-based capital ratio | 16.6537% | 2,254 |
| Total risk-based capital ratio | 17.7412% | 2,271 |
| Memoranda: | ||
| Average total assets | $1,161,280,000 | 577 |
| Average earning assets | $1,091,241,000 | 555 |
| Average equity | $154,559,000 | 439 |
| Average total loans | $900,471,000 | 529 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3810% | 5,036 |
| Cost of funding earning assets | 1.6858% | 4,973 |
| Net interest margin | 3.6952% | 4,095 |
| Noninterest income to average assets | 0.9288% | 1,866 |
| Noninterest expense to average assets | 3.0834% | 3,703 |
| Loan and lease loss provision to assets | 0.2293% | 5,140 |
| Net operating income to assets | 0.7089% | 3,170 |
| Return on assets (ROA) | 0.6030% | 3,647 |
| Pretax return on assets | 0.9673% | 3,003 |
| Return on Equity (ROE) | 4.5729% | 4,127 |
| Retained earnings to average equity (ytd only) | 4.5616% | 2,726 |
| Net charge-offs to loans | 0.1782% | 4,969 |
| Credit loss provision to net charge-offs | 165.6977% | 2,841 |
| Earnings coverage of net charge-offs (x) | 9.5399% | 2,093 |
| Efficiency ratio | 69.4307% | 4,705 |
| Assets per employee ($millions) | 4.2482% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.2478% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 6,147 |
| Loan loss allowance to noncurrent loans | 43.3987% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 1.8395% | 3,598 |
| Noncurrent loans to loans | 2.3570% | 3,197 |
| Net loans and leases to total assets | 76.6875% | 1,849 |
| Net loans and leases to deposits | 105.9825% | 653 |
| Net loans and leases to core deposits | 127.3955% | 1,629 |
| Total domestic deposits to total assets | 72.3587% | 7,167 |
| Equity capital to assets | 13.7845% | 1,383 |
| Core capital (leverage) ratio | 12.9171% | 1,399 |
| Tier 1 risk-based capital ratio | 16.8024% | 2,332 |
| Total risk-based capital ratio | 17.8380% | 2,349 |
| Memoranda: | ||
| Average total assets | $1,160,014,250 | 588 |
| Average earning assets | $1,090,827,000 | 570 |
| Average equity | $152,954,250 | 456 |
| Average total loans | $900,695,500 | 544 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4182% | 5,044 |
| Cost of funding earning assets | 1.8377% | 4,569 |
| Net interest margin | 3.5805% | 4,445 |
| Noninterest income to average assets | 0.9903% | 1,629 |
| Noninterest expense to average assets | 3.1197% | 3,624 |
| Loan and lease loss provision to assets | 0.2040% | 5,009 |
| Net operating income to assets | 0.6904% | 3,300 |
| Return on assets (ROA) | 0.4382% | 4,452 |
| Pretax return on assets | 0.7084% | 3,967 |
| Return on Equity (ROE) | 3.3743% | 4,756 |
| Retained earnings to average equity (ytd only) | 3.3571% | 3,457 |
| Net charge-offs to loans | 0.1124% | 5,037 |
| Credit loss provision to net charge-offs | 233.7278% | 1,980 |
| Earnings coverage of net charge-offs (x) | 14.1716% | 1,677 |
| Efficiency ratio | 71.0192% | 4,590 |
| Assets per employee ($millions) | 4.4297% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.5108% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 6,125 |
| Loan loss allowance to noncurrent loans | 94.3072% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8345% | 5,323 |
| Noncurrent loans to loans | 1.0750% | 5,058 |
| Net loans and leases to total assets | 75.2312% | 2,385 |
| Net loans and leases to deposits | 105.0812% | 825 |
| Net loans and leases to core deposits | 127.3226% | 1,761 |
| Total domestic deposits to total assets | 71.5935% | 7,294 |
| Equity capital to assets | 13.0809% | 1,664 |
| Core capital (leverage) ratio | 12.3137% | 1,690 |
| Tier 1 risk-based capital ratio | 16.0510% | 2,608 |
| Total risk-based capital ratio | 17.0857% | 2,620 |
| Memoranda: | ||
| Average total assets | $1,161,518,670 | 596 |
| Average earning assets | $1,092,130,330 | 581 |
| Average equity | $150,845,670 | 464 |
| Average total loans | $902,499,670 | 553 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5035% | 4,894 |
| Cost of funding earning assets | 1.9746% | 4,267 |
| Net interest margin | 3.5289% | 4,620 |
| Noninterest income to average assets | 0.9608% | 1,602 |
| Noninterest expense to average assets | 3.0793% | 3,456 |
| Loan and lease loss provision to assets | 0.2392% | 4,070 |
| Net operating income to assets | 0.6707% | 3,703 |
| Return on assets (ROA) | 0.5924% | 4,246 |
| Pretax return on assets | 0.8822% | 3,784 |
| Return on Equity (ROE) | 4.5782% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.5782% | 3,381 |
| Net charge-offs to loans | 0.1009% | 4,171 |
| Credit loss provision to net charge-offs | 301.7467% | 1,600 |
| Earnings coverage of net charge-offs (x) | 15.1179% | 1,621 |
| Efficiency ratio | 71.4228% | 4,286 |
| Assets per employee ($millions) | 4.3365% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 6,355 |
| Loan loss allowance to noncurrent loans | 102.7703% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7575% | 5,264 |
| Noncurrent loans to loans | 0.9469% | 5,105 |
| Net loans and leases to total assets | 77.0214% | 2,035 |
| Net loans and leases to deposits | 106.7010% | 816 |
| Net loans and leases to core deposits | 129.7453% | 1,673 |
| Total domestic deposits to total assets | 72.1844% | 7,180 |
| Equity capital to assets | 12.7474% | 1,861 |
| Core capital (leverage) ratio | 12.1950% | 1,820 |
| Tier 1 risk-based capital ratio | 15.5376% | 2,837 |
| Total risk-based capital ratio | 16.5482% | 2,879 |
| Memoranda: | ||
| Average total assets | $1,155,341,000 | 602 |
| Average earning assets | $1,085,996,500 | 586 |
| Average equity | $149,492,000 | 469 |
| Average total loans | $907,667,000 | 556 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8018% | 6,423 |
| Cost of funding earning assets | 2.4627% | 4,410 |
| Net interest margin | 3.3390% | 5,904 |
| Noninterest income to average assets | 0.5399% | 4,321 |
| Noninterest expense to average assets | 2.6644% | 5,399 |
| Loan and lease loss provision to assets | 0.1500% | 5,440 |
| Net operating income to assets | 0.5837% | 4,373 |
| Return on assets (ROA) | 0.3591% | 5,118 |
| Pretax return on assets | 0.5419% | 4,872 |
| Return on Equity (ROE) | 2.5833% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.5833% | 3,583 |
| Net charge-offs to loans | 0.1378% | 4,848 |
| Credit loss provision to net charge-offs | 141.8333% | 3,735 |
| Earnings coverage of net charge-offs (x) | 9.7583% | 2,641 |
| Efficiency ratio | 71.9076% | 3,956 |
| Assets per employee ($millions) | 4.3014% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 6,557 |
| Loan loss allowance to noncurrent loans | 133.5941% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 5,462 |
| Noncurrent loans to loans | 0.6897% | 5,317 |
| Net loans and leases to total assets | 78.6312% | 1,972 |
| Net loans and leases to deposits | 115.2517% | 558 |
| Net loans and leases to core deposits | 139.1037% | 1,312 |
| Total domestic deposits to total assets | 68.2256% | 7,447 |
| Equity capital to assets | 13.1348% | 1,737 |
| Core capital (leverage) ratio | 12.3837% | 1,795 |
| Tier 1 risk-based capital ratio | 15.9642% | 2,678 |
| Total risk-based capital ratio | 16.9400% | 2,713 |
| Memoranda: | ||
| Average total assets | $1,134,345,000 | 588 |
| Average earning assets | $1,072,434,600 | 569 |
| Average equity | $157,666,000 | 448 |
| Average total loans | $870,872,600 | 562 |