Home > CapStar Bank > Performance and Condition Ratios
CapStar Bank, Performance and Condition Ratios
| 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 | 5.6082% | 1,616 |
| Cost of funding earning assets | 2.8432% | 558 |
| Net interest margin | 2.7650% | 3,436 |
| Noninterest income to average assets | 0.8500% | 733 |
| Noninterest expense to average assets | 4.1620% | 325 |
| Loan and lease loss provision to assets | -0.1000% | 4,444 |
| Net operating income to assets | -0.4558% | 4,448 |
| Return on assets (ROA) | -0.5784% | 4,461 |
| Pretax return on assets | -0.8409% | 4,485 |
| Return on Equity (ROE) | -4.7400% | 4,412 |
| Retained earnings to average equity (ytd only) | -7.1865% | 4,215 |
| Net charge-offs to loans | 0.0485% | 1,047 |
| Credit loss provision to net charge-offs | 559.1398% | 483 |
| Earnings coverage of net charge-offs (x) | -21.8244% | 4,559 |
| Efficiency ratio | 122.1267% | 112 |
| Assets per employee ($millions) | 8.5635% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 2,754 |
| Loan loss allowance to noncurrent loans | 137.8322% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 1,053 |
| Noncurrent loans to loans | 0.8067% | 1,097 |
| Net loans and leases to total assets | 74.8100% | 1,236 |
| Net loans and leases to deposits | 88.7320% | 1,293 |
| Net loans and leases to core deposits | 95.9214% | 1,652 |
| Total domestic deposits to total assets | 84.3100% | 2,627 |
| Equity capital to assets | 12.2574% | 1,056 |
| Core capital (leverage) ratio | 12.4072% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0781% | 1,516 |
| Memoranda: | ||
| Average total assets | $3,090,503,000 | 397 |
| Average earning assets | $2,825,168,000 | 393 |
| Average equity | $376,764,000 | 348 |
| Average total loans | $2,300,941,000 | 377 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4293% | 1,259 |
| Cost of funding earning assets | 2.4277% | 430 |
| Net interest margin | 3.0016% | 3,275 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 2.2718% | 2,917 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0454% | 2,078 |
| Return on assets (ROA) | 1.0456% | 2,047 |
| Pretax return on assets | 1.2675% | 1,966 |
| Return on Equity (ROE) | 8.9900% | 2,760 |
| Retained earnings to average equity (ytd only) | 0.6688% | 3,912 |
| Net charge-offs to loans | 0.0340% | 1,624 |
| Credit loss provision to net charge-offs | -25.5901% | 4,440 |
| Earnings coverage of net charge-offs (x) | 51.2062% | 1,281 |
| Efficiency ratio | 62.4421% | 2,790 |
| Assets per employee ($millions) | 8.5585% | 1,157 |
| Cash dividends to net income (ytd only)* | 92.5631% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,046 |
| Loan loss allowance to noncurrent loans | 154.1371% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 1,117 |
| Noncurrent loans to loans | 0.6846% | 1,150 |
| Net loans and leases to total assets | 72.5200% | 1,523 |
| Net loans and leases to deposits | 85.2474% | 1,673 |
| Net loans and leases to core deposits | 96.9237% | 1,604 |
| Total domestic deposits to total assets | 85.0700% | 2,287 |
| Equity capital to assets | 12.1268% | 1,088 |
| Core capital (leverage) ratio | 11.8245% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4029% | 1,416 |
| Memoranda: | ||
| Average total assets | $3,185,555,000 | 375 |
| Average earning assets | $2,913,527,600 | 367 |
| Average equity | $370,389,200 | 332 |
| Average total loans | $2,366,959,600 | 356 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3044% | 1,284 |
| Cost of funding earning assets | 2.2342% | 466 |
| Net interest margin | 3.0702% | 3,200 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.2756% | 2,873 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0249% | 2,287 |
| Return on assets (ROA) | 1.0251% | 2,273 |
| Pretax return on assets | 1.2776% | 2,100 |
| Return on Equity (ROE) | 8.9100% | 2,952 |
| Retained earnings to average equity (ytd only) | -1.4328% | 4,282 |
| Net charge-offs to loans | 0.0391% | 1,332 |
| Credit loss provision to net charge-offs | -63.9485% | 4,510 |
| Earnings coverage of net charge-offs (x) | 45.1073% | 1,371 |
| Efficiency ratio | 62.0927% | 2,704 |
| Assets per employee ($millions) | 8.9154% | 959 |
| Cash dividends to net income (ytd only)* | 116.0794% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,165 |
| Loan loss allowance to noncurrent loans | 337.8601% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 2,163 |
| Noncurrent loans to loans | 0.3070% | 2,135 |
| Net loans and leases to total assets | 70.6200% | 1,757 |
| Net loans and leases to deposits | 82.0432% | 1,897 |
| Net loans and leases to core deposits | 115.5366% | 682 |
| Total domestic deposits to total assets | 86.0800% | 2,162 |
| Equity capital to assets | 11.1024% | 1,306 |
| Core capital (leverage) ratio | 11.5970% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8454% | 1,609 |
| Memoranda: | ||
| Average total assets | $3,196,700,500 | 379 |
| Average earning assets | $2,923,795,750 | 373 |
| Average equity | $367,761,500 | 338 |
| Average total loans | $2,383,197,500 | 359 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 1,246 |
| Cost of funding earning assets | 1.9642% | 535 |
| Net interest margin | 3.2101% | 2,962 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.3691% | 2,596 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.9644% | 2,531 |
| Return on assets (ROA) | 0.9647% | 2,524 |
| Pretax return on assets | 1.1962% | 2,367 |
| Return on Equity (ROE) | 8.2900% | 3,161 |
| Retained earnings to average equity (ytd only) | -5.9082% | 4,448 |
| Net charge-offs to loans | 0.0291% | 1,308 |
| Credit loss provision to net charge-offs | 163.3238% | 1,147 |
| Earnings coverage of net charge-offs (x) | 61.4527% | 1,185 |
| Efficiency ratio | 62.4077% | 2,657 |
| Assets per employee ($millions) | 8.3403% | 1,165 |
| Cash dividends to net income (ytd only)* | 171.3036% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,139 |
| Loan loss allowance to noncurrent loans | 210.2125% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 1,391 |
| Noncurrent loans to loans | 0.5043% | 1,450 |
| Net loans and leases to total assets | 74.9700% | 1,166 |
| Net loans and leases to deposits | 87.4249% | 1,389 |
| Net loans and leases to core deposits | 108.5714% | 887 |
| Total domestic deposits to total assets | 85.7500% | 2,312 |
| Equity capital to assets | 11.3854% | 1,236 |
| Core capital (leverage) ratio | 11.5056% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7962% | 1,989 |
| Memoranda: | ||
| Average total assets | $3,174,588,333 | 371 |
| Average earning assets | $2,901,148,000 | 361 |
| Average equity | $369,590,000 | 324 |
| Average total loans | $2,401,386,000 | 342 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 1,358 |
| Cost of funding earning assets | 1.6775% | 609 |
| Net interest margin | 3.2546% | 2,980 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 2.3717% | 2,603 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 0.8706% | 2,955 |
| Return on assets (ROA) | 0.8711% | 2,907 |
| Pretax return on assets | 1.0878% | 2,740 |
| Return on Equity (ROE) | 7.4000% | 3,433 |
| Retained earnings to average equity (ytd only) | -7.7860% | 4,425 |
| Net charge-offs to loans | 0.0275% | 1,142 |
| Credit loss provision to net charge-offs | 30.9091% | 1,351 |
| Earnings coverage of net charge-offs (x) | 67.0667% | 964 |
| Efficiency ratio | 61.6801% | 2,734 |
| Assets per employee ($millions) | 8.0576% | 1,310 |
| Cash dividends to net income (ytd only)* | 205.2098% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,374 |
| Loan loss allowance to noncurrent loans | 225.6877% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 1,486 |
| Noncurrent loans to loans | 0.4576% | 1,571 |
| Net loans and leases to total assets | 74.7000% | 1,114 |
| Net loans and leases to deposits | 87.4160% | 1,259 |
| Net loans and leases to core deposits | 106.5404% | 817 |
| Total domestic deposits to total assets | 85.4500% | 2,739 |
| Equity capital to assets | 11.4941% | 1,155 |
| Core capital (leverage) ratio | 11.6797% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4793% | 2,184 |
| Memoranda: | ||
| Average total assets | $3,173,052,500 | 383 |
| Average earning assets | $2,902,005,000 | 375 |
| Average equity | $373,491,000 | 332 |
| Average total loans | $2,398,167,500 | 354 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 1,798 |
| Cost of funding earning assets | 0.5548% | 1,088 |
| Net interest margin | 3.4145% | 2,205 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.1818% | 3,070 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.3008% | 1,424 |
| Return on assets (ROA) | 1.3010% | 1,386 |
| Pretax return on assets | 1.6326% | 1,077 |
| Return on Equity (ROE) | 10.7500% | 2,564 |
| Retained earnings to average equity (ytd only) | 7.0391% | 2,229 |
| Net charge-offs to loans | 0.0163% | 1,792 |
| Credit loss provision to net charge-offs | 675.9563% | 553 |
| Earnings coverage of net charge-offs (x) | 146.7049% | 799 |
| Efficiency ratio | 54.6609% | 3,727 |
| Assets per employee ($millions) | 7.8463% | 1,408 |
| Cash dividends to net income (ytd only)* | 34.5385% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 3,308 |
| Loan loss allowance to noncurrent loans | 203.3484% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 1,362 |
| Noncurrent loans to loans | 0.4966% | 1,457 |
| Net loans and leases to total assets | 74.9200% | 1,136 |
| Net loans and leases to deposits | 86.8863% | 1,254 |
| Net loans and leases to core deposits | 104.9148% | 792 |
| Total domestic deposits to total assets | 86.2300% | 2,666 |
| Equity capital to assets | 12.0577% | 911 |
| Core capital (leverage) ratio | 12.0979% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2205% | 1,882 |
| Memoranda: | ||
| Average total assets | $3,137,830,600 | 379 |
| Average earning assets | $2,859,893,000 | 376 |
| Average equity | $379,648,400 | 323 |
| Average total loans | $2,243,109,600 | 345 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7110% | 2,013 |
| Cost of funding earning assets | 0.3452% | 1,747 |
| Net interest margin | 3.3658% | 2,080 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.1986% | 2,936 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2818% | 1,421 |
| Return on assets (ROA) | 1.2820% | 1,387 |
| Pretax return on assets | 1.6017% | 1,117 |
| Return on Equity (ROE) | 10.5900% | 2,542 |
| Retained earnings to average equity (ytd only) | 6.4192% | 2,586 |
| Net charge-offs to loans | 0.0116% | 1,686 |
| Credit loss provision to net charge-offs | 482.2917% | 626 |
| Earnings coverage of net charge-offs (x) | 201.4792% | 620 |
| Efficiency ratio | 55.8409% | 3,636 |
| Assets per employee ($millions) | 8.1762% | 1,228 |
| Cash dividends to net income (ytd only)* | 39.3662% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 3,652 |
| Loan loss allowance to noncurrent loans | 294.2542% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 1,992 |
| Noncurrent loans to loans | 0.3266% | 2,063 |
| Net loans and leases to total assets | 73.0700% | 1,173 |
| Net loans and leases to deposits | 87.3886% | 1,073 |
| Net loans and leases to core deposits | 98.7409% | 868 |
| Total domestic deposits to total assets | 83.6100% | 3,578 |
| Equity capital to assets | 11.5382% | 990 |
| Core capital (leverage) ratio | 11.7911% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1647% | 1,984 |
| Memoranda: | ||
| Average total assets | $3,143,785,000 | 379 |
| Average earning assets | $2,864,180,500 | 375 |
| Average equity | $380,700,000 | 323 |
| Average total loans | $2,214,755,750 | 343 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4492% | 2,300 |
| Cost of funding earning assets | 0.2034% | 2,873 |
| Net interest margin | 3.2458% | 2,065 |
| Noninterest income to average assets | 0.9537% | 745 |
| Noninterest expense to average assets | 2.1917% | 2,888 |
| Loan and lease loss provision to assets | 0.0038% | 2,540 |
| Net operating income to assets | 1.3745% | 969 |
| Return on assets (ROA) | 1.3745% | 950 |
| Pretax return on assets | 1.7151% | 727 |
| Return on Equity (ROE) | 11.1733% | 1,928 |
| Retained earnings to average equity (ytd only) | 6.1518% | 2,285 |
| Net charge-offs to loans | 0.0067% | 1,757 |
| Credit loss provision to net charge-offs | 80.8219% | 1,386 |
| Earnings coverage of net charge-offs (x) | 369.3288% | 341 |
| Efficiency ratio | 54.6163% | 3,904 |
| Assets per employee ($millions) | 7.9133% | 1,352 |
| Cash dividends to net income (ytd only)* | 44.9418% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,852 |
| Loan loss allowance to noncurrent loans | 846.3700% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 3,103 |
| Noncurrent loans to loans | 0.1104% | 3,196 |
| Net loans and leases to total assets | 74.3040% | 886 |
| Net loans and leases to deposits | 87.0670% | 902 |
| Net loans and leases to core deposits | 91.3422% | 1,047 |
| Total domestic deposits to total assets | 85.3412% | 3,404 |
| Equity capital to assets | 12.1156% | 839 |
| Core capital (leverage) ratio | 11.6576% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3365% | 1,924 |
| Memoranda: | ||
| Average total assets | $3,136,988,000 | 372 |
| Average earning assets | $2,857,778,333 | 375 |
| Average equity | $385,903,333 | 317 |
| Average total loans | $2,174,883,667 | 341 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1660% | 2,788 |
| Cost of funding earning assets | 0.1737% | 3,174 |
| Net interest margin | 2.9923% | 2,527 |
| Noninterest income to average assets | 1.1507% | 516 |
| Noninterest expense to average assets | 2.2231% | 2,765 |
| Loan and lease loss provision to assets | -0.0993% | 4,602 |
| Net operating income to assets | 1.4058% | 787 |
| Return on assets (ROA) | 1.4058% | 782 |
| Pretax return on assets | 1.7540% | 616 |
| Return on Equity (ROE) | 11.3433% | 1,504 |
| Retained earnings to average equity (ytd only) | 9.9637% | 1,032 |
| Net charge-offs to loans | 0.0108% | 1,363 |
| Credit loss provision to net charge-offs | -1,375.4386% | 3,315 |
| Earnings coverage of net charge-offs (x) | 229.2281% | 394 |
| Efficiency ratio | 55.8720% | 3,889 |
| Assets per employee ($millions) | 8.0294% | 1,344 |
| Cash dividends to net income (ytd only)* | 12.1622% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,846 |
| Loan loss allowance to noncurrent loans | 557.9722% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 2,955 |
| Noncurrent loans to loans | 0.1735% | 2,952 |
| Net loans and leases to total assets | 66.9328% | 1,317 |
| Net loans and leases to deposits | 77.1533% | 1,349 |
| Net loans and leases to core deposits | 80.4874% | 1,450 |
| Total domestic deposits to total assets | 86.7531% | 3,018 |
| Equity capital to assets | 12.1222% | 918 |
| Core capital (leverage) ratio | 11.5618% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1313% | 1,756 |
| Memoranda: | ||
| Average total assets | $3,158,436,500 | 371 |
| Average earning assets | $2,878,614,000 | 377 |
| Average equity | $391,421,500 | 323 |
| Average total loans | $2,101,967,000 | 352 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 2,831 |
| Cost of funding earning assets | 0.1995% | 3,467 |
| Net interest margin | 3.2386% | 2,490 |
| Noninterest income to average assets | 1.3696% | 584 |
| Noninterest expense to average assets | 2.3311% | 2,710 |
| Loan and lease loss provision to assets | -0.0342% | 4,288 |
| Net operating income to assets | 1.6233% | 753 |
| Return on assets (ROA) | 1.6240% | 794 |
| Pretax return on assets | 2.0526% | 553 |
| Return on Equity (ROE) | 13.4729% | 1,318 |
| Retained earnings to average equity (ytd only) | 12.1006% | 526 |
| Net charge-offs to loans | 0.0232% | 1,785 |
| Credit loss provision to net charge-offs | -221.6216% | 3,540 |
| Earnings coverage of net charge-offs (x) | 130.5842% | 738 |
| Efficiency ratio | 52.1734% | 4,101 |
| Assets per employee ($millions) | 7.8821% | 1,395 |
| Cash dividends to net income (ytd only)* | 10.1857% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,534 |
| Loan loss allowance to noncurrent loans | 468.5381% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 2,847 |
| Noncurrent loans to loans | 0.2260% | 2,828 |
| Net loans and leases to total assets | 64.8018% | 1,610 |
| Net loans and leases to deposits | 75.2787% | 1,622 |
| Net loans and leases to core deposits | 78.8511% | 1,692 |
| Total domestic deposits to total assets | 86.0825% | 2,868 |
| Equity capital to assets | 12.6687% | 1,006 |
| Core capital (leverage) ratio | 11.2326% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7443% | 1,601 |
| Memoranda: | ||
| Average total assets | $3,113,331,800 | 362 |
| Average earning assets | $2,863,763,400 | 364 |
| Average equity | $375,280,400 | 336 |
| Average total loans | $2,070,065,800 | 354 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4341% | 3,003 |
| Cost of funding earning assets | 0.2066% | 3,542 |
| Net interest margin | 3.2274% | 2,642 |
| Noninterest income to average assets | 1.3515% | 651 |
| Noninterest expense to average assets | 2.3204% | 2,690 |
| Loan and lease loss provision to assets | -0.0178% | 4,345 |
| Net operating income to assets | 1.6132% | 1,006 |
| Return on assets (ROA) | 1.6138% | 1,040 |
| Pretax return on assets | 2.0239% | 765 |
| Return on Equity (ROE) | 13.5624% | 1,532 |
| Retained earnings to average equity (ytd only) | 12.1934% | 797 |
| Net charge-offs to loans | 0.0191% | 1,672 |
| Credit loss provision to net charge-offs | -139.7306% | 3,291 |
| Earnings coverage of net charge-offs (x) | 157.4545% | 655 |
| Efficiency ratio | 52.1774% | 4,011 |
| Assets per employee ($millions) | 7.9292% | 1,303 |
| Cash dividends to net income (ytd only)* | 10.0941% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,496 |
| Loan loss allowance to noncurrent loans | 451.4727% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,973 |
| Noncurrent loans to loans | 0.2410% | 2,969 |
| Net loans and leases to total assets | 65.8955% | 1,565 |
| Net loans and leases to deposits | 76.2958% | 1,641 |
| Net loans and leases to core deposits | 80.1175% | 1,717 |
| Total domestic deposits to total assets | 86.3685% | 2,610 |
| Equity capital to assets | 12.4261% | 1,210 |
| Core capital (leverage) ratio | 10.8192% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6474% | 1,739 |
| Memoranda: | ||
| Average total assets | $3,109,362,000 | 368 |
| Average earning assets | $2,865,334,000 | 364 |
| Average equity | $369,993,250 | 340 |
| Average total loans | $2,075,211,250 | 356 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4191% | 3,120 |
| Cost of funding earning assets | 0.2165% | 3,585 |
| Net interest margin | 3.2026% | 2,750 |
| Noninterest income to average assets | 1.2785% | 711 |
| Noninterest expense to average assets | 2.3148% | 2,723 |
| Loan and lease loss provision to assets | -0.0267% | 4,454 |
| Net operating income to assets | 1.5469% | 1,177 |
| Return on assets (ROA) | 1.5475% | 1,236 |
| Pretax return on assets | 1.9498% | 920 |
| Return on Equity (ROE) | 13.1999% | 1,648 |
| Retained earnings to average equity (ytd only) | 11.8559% | 951 |
| Net charge-offs to loans | 0.0073% | 1,868 |
| Credit loss provision to net charge-offs | -546.0526% | 3,491 |
| Earnings coverage of net charge-offs (x) | 393.2632% | 313 |
| Efficiency ratio | 53.1132% | 3,916 |
| Assets per employee ($millions) | 8.3512% | 1,059 |
| Cash dividends to net income (ytd only)* | 10.1820% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,384 |
| Loan loss allowance to noncurrent loans | 426.0251% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 3,112 |
| Noncurrent loans to loans | 0.2598% | 3,012 |
| Net loans and leases to total assets | 63.5709% | 1,998 |
| Net loans and leases to deposits | 72.8698% | 2,128 |
| Net loans and leases to core deposits | 76.5977% | 2,183 |
| Total domestic deposits to total assets | 87.2390% | 2,201 |
| Equity capital to assets | 11.7326% | 1,500 |
| Core capital (leverage) ratio | 10.7260% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5833% | 1,775 |
| Memoranda: | ||
| Average total assets | $3,109,729,333 | 360 |
| Average earning assets | $2,872,703,333 | 359 |
| Average equity | $364,579,333 | 341 |
| Average total loans | $2,076,702,667 | 356 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 3,145 |
| Cost of funding earning assets | 0.2396% | 3,563 |
| Net interest margin | 3.1778% | 2,763 |
| Noninterest income to average assets | 1.3031% | 751 |
| Noninterest expense to average assets | 2.2422% | 2,966 |
| Loan and lease loss provision to assets | 0.0848% | 1,541 |
| Net operating income to assets | 1.4971% | 1,343 |
| Return on assets (ROA) | 1.4997% | 1,395 |
| Pretax return on assets | 1.9253% | 1,070 |
| Return on Equity (ROE) | 12.7972% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.5501% | 1,261 |
| Net charge-offs to loans | 0.0034% | 1,803 |
| Credit loss provision to net charge-offs | 3,611.1111% | 156 |
| Earnings coverage of net charge-offs (x) | 854.3333% | 111 |
| Efficiency ratio | 51.2116% | 4,073 |
| Assets per employee ($millions) | 8.3069% | 1,063 |
| Cash dividends to net income (ytd only)* | 9.7451% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,268 |
| Loan loss allowance to noncurrent loans | 349.5389% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 2,977 |
| Noncurrent loans to loans | 0.3248% | 2,938 |
| Net loans and leases to total assets | 66.0499% | 1,799 |
| Net loans and leases to deposits | 75.3103% | 1,981 |
| Net loans and leases to core deposits | 80.0290% | 2,002 |
| Total domestic deposits to total assets | 87.7037% | 1,997 |
| Equity capital to assets | 11.4293% | 1,588 |
| Core capital (leverage) ratio | 10.3149% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6710% | 1,681 |
| Memoranda: | ||
| Average total assets | $3,065,342,000 | 367 |
| Average earning assets | $2,841,572,500 | 362 |
| Average equity | $359,234,500 | 343 |
| Average total loans | $2,087,018,000 | 356 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 2,912 |
| Cost of funding earning assets | 0.6316% | 2,108 |
| Net interest margin | 3.3053% | 3,057 |
| Noninterest income to average assets | 1.7167% | 426 |
| Noninterest expense to average assets | 3.0253% | 1,385 |
| Loan and lease loss provision to assets | 0.4571% | 604 |
| Net operating income to assets | 1.0436% | 2,127 |
| Return on assets (ROA) | 1.0476% | 2,252 |
| Pretax return on assets | 1.3099% | 1,940 |
| Return on Equity (ROE) | 8.7642% | 2,486 |
| Retained earnings to average equity (ytd only) | 7.4067% | 1,232 |
| Net charge-offs to loans | 0.0460% | 2,146 |
| Credit loss provision to net charge-offs | 1,368.1764% | 611 |
| Earnings coverage of net charge-offs (x) | 52.7426% | 1,150 |
| Efficiency ratio | 61.6776% | 3,192 |
| Assets per employee ($millions) | 7.8483% | 1,096 |
| Cash dividends to net income (ytd only)* | 15.4890% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,346 |
| Loan loss allowance to noncurrent loans | 286.5155% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 2,841 |
| Noncurrent loans to loans | 0.3918% | 2,806 |
| Net loans and leases to total assets | 68.6520% | 1,741 |
| Net loans and leases to deposits | 79.3402% | 1,943 |
| Net loans and leases to core deposits | 84.7336% | 1,972 |
| Total domestic deposits to total assets | 86.5287% | 2,130 |
| Equity capital to assets | 12.0252% | 1,555 |
| Core capital (leverage) ratio | 10.1225% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4245% | 1,708 |
| Memoranda: | ||
| Average total assets | $2,511,439,000 | 394 |
| Average earning assets | $2,333,100,400 | 387 |
| Average equity | $300,187,600 | 367 |
| Average total loans | $1,824,104,400 | 375 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 2,898 |
| Cost of funding earning assets | 0.7640% | 1,656 |
| Net interest margin | 3.2628% | 3,303 |
| Noninterest income to average assets | 1.7503% | 385 |
| Noninterest expense to average assets | 3.0557% | 1,326 |
| Loan and lease loss provision to assets | 0.6291% | 386 |
| Net operating income to assets | 0.8917% | 2,736 |
| Return on assets (ROA) | 0.8950% | 2,844 |
| Pretax return on assets | 1.0989% | 2,751 |
| Return on Equity (ROE) | 7.5023% | 3,014 |
| Retained earnings to average equity (ytd only) | 6.1133% | 2,058 |
| Net charge-offs to loans | 0.0554% | 1,814 |
| Credit loss provision to net charge-offs | 1,543.0328% | 603 |
| Earnings coverage of net charge-offs (x) | 42.2814% | 1,324 |
| Efficiency ratio | 62.4170% | 3,006 |
| Assets per employee ($millions) | 7.5003% | 1,209 |
| Cash dividends to net income (ytd only)* | 18.5139% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 3,210 |
| Loan loss allowance to noncurrent loans | 557.3009% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 3,703 |
| Noncurrent loans to loans | 0.1975% | 3,599 |
| Net loans and leases to total assets | 68.8817% | 2,124 |
| Net loans and leases to deposits | 79.1368% | 2,411 |
| Net loans and leases to core deposits | 85.1894% | 2,367 |
| Total domestic deposits to total assets | 87.0413% | 1,653 |
| Equity capital to assets | 11.5293% | 1,982 |
| Core capital (leverage) ratio | 9.7363% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2914% | 1,733 |
| Memoranda: | ||
| Average total assets | $2,393,711,250 | 406 |
| Average earning assets | $2,222,390,000 | 391 |
| Average equity | $285,575,750 | 376 |
| Average total loans | $1,762,458,500 | 380 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 2,756 |
| Cost of funding earning assets | 0.8055% | 1,799 |
| Net interest margin | 3.3965% | 3,118 |
| Noninterest income to average assets | 1.5253% | 445 |
| Noninterest expense to average assets | 2.9761% | 1,643 |
| Loan and lease loss provision to assets | 0.8403% | 279 |
| Net operating income to assets | 0.7302% | 3,280 |
| Return on assets (ROA) | 0.7333% | 3,383 |
| Pretax return on assets | 0.8568% | 3,436 |
| Return on Equity (ROE) | 6.0528% | 3,486 |
| Retained earnings to average equity (ytd only) | 4.6545% | 2,634 |
| Net charge-offs to loans | 0.0904% | 1,348 |
| Credit loss provision to net charge-offs | 1,231.6779% | 689 |
| Earnings coverage of net charge-offs (x) | 24.8228% | 1,570 |
| Efficiency ratio | 62.2419% | 3,083 |
| Assets per employee ($millions) | 8.5462% | 795 |
| Cash dividends to net income (ytd only)* | 23.1019% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,408 |
| Loan loss allowance to noncurrent loans | 548.3837% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 3,711 |
| Noncurrent loans to loans | 0.2227% | 3,581 |
| Net loans and leases to total assets | 69.6132% | 2,091 |
| Net loans and leases to deposits | 79.6650% | 2,468 |
| Net loans and leases to core deposits | 85.2804% | 2,496 |
| Total domestic deposits to total assets | 87.3825% | 1,456 |
| Equity capital to assets | 11.0602% | 2,288 |
| Core capital (leverage) ratio | 9.5836% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3168% | 2,065 |
| Memoranda: | ||
| Average total assets | $2,184,072,333 | 425 |
| Average earning assets | $2,021,848,333 | 424 |
| Average equity | $264,605,333 | 397 |
| Average total loans | $1,648,209,333 | 401 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5920% | 2,020 |
| Cost of funding earning assets | 1.0725% | 1,130 |
| Net interest margin | 3.5195% | 2,914 |
| Noninterest income to average assets | 1.1387% | 674 |
| Noninterest expense to average assets | 2.7279% | 2,636 |
| Loan and lease loss provision to assets | 1.4709% | 106 |
| Net operating income to assets | 0.2863% | 4,373 |
| Return on assets (ROA) | 0.2915% | 4,387 |
| Pretax return on assets | 0.1897% | 4,577 |
| Return on Equity (ROE) | 2.2878% | 4,386 |
| Retained earnings to average equity (ytd only) | 0.8741% | 3,776 |
| Net charge-offs to loans | 0.0109% | 2,192 |
| Credit loss provision to net charge-offs | 17,165.9091% | 44 |
| Earnings coverage of net charge-offs (x) | 193.1818% | 358 |
| Efficiency ratio | 60.5207% | 3,674 |
| Assets per employee ($millions) | 7.1923% | 1,007 |
| Cash dividends to net income (ytd only)* | 61.7902% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,508 |
| Loan loss allowance to noncurrent loans | 507.0330% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 3,690 |
| Noncurrent loans to loans | 0.2428% | 3,616 |
| Net loans and leases to total assets | 77.9020% | 996 |
| Net loans and leases to deposits | 90.9364% | 1,412 |
| Net loans and leases to core deposits | 98.3273% | 1,599 |
| Total domestic deposits to total assets | 85.6664% | 2,144 |
| Equity capital to assets | 12.7377% | 1,598 |
| Core capital (leverage) ratio | 10.6418% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0247% | 2,684 |
| Memoranda: | ||
| Average total assets | $2,054,001,000 | 437 |
| Average earning assets | $1,893,573,500 | 435 |
| Average equity | $261,740,000 | 399 |
| Average total loans | $1,611,047,500 | 397 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9360% | 1,643 |
| Cost of funding earning assets | 1.2832% | 804 |
| Net interest margin | 3.6528% | 2,960 |
| Noninterest income to average assets | 1.2084% | 645 |
| Noninterest expense to average assets | 3.0199% | 1,968 |
| Loan and lease loss provision to assets | 0.0377% | 3,259 |
| Net operating income to assets | 1.1562% | 2,230 |
| Return on assets (ROA) | 1.1523% | 2,345 |
| Pretax return on assets | 1.5046% | 1,795 |
| Return on Equity (ROE) | 9.3925% | 2,571 |
| Retained earnings to average equity (ytd only) | 7.9660% | 989 |
| Net charge-offs to loans | 0.0175% | 3,085 |
| Credit loss provision to net charge-offs | 282.8996% | 993 |
| Earnings coverage of net charge-offs (x) | 116.0186% | 601 |
| Efficiency ratio | 64.3256% | 3,031 |
| Assets per employee ($millions) | 7.0471% | 1,020 |
| Cash dividends to net income (ytd only)* | 15.1874% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 4,322 |
| Loan loss allowance to noncurrent loans | 739.2375% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 3,962 |
| Noncurrent loans to loans | 0.1073% | 4,099 |
| Net loans and leases to total assets | 77.3698% | 1,183 |
| Net loans and leases to deposits | 90.4386% | 1,539 |
| Net loans and leases to core deposits | 99.5770% | 1,598 |
| Total domestic deposits to total assets | 85.5496% | 2,265 |
| Equity capital to assets | 12.7483% | 1,676 |
| Core capital (leverage) ratio | 10.6966% | 2,764 |
| Tier 1 risk-based capital ratio | 11.9761% | 4,376 |
| Total risk-based capital ratio | 12.6994% | 4,533 |
| Memoranda: | ||
| Average total assets | $2,017,072,800 | 422 |
| Average earning assets | $1,854,684,800 | 418 |
| Average equity | $247,464,000 | 396 |
| Average total loans | $1,537,604,000 | 399 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9996% | 1,542 |
| Cost of funding earning assets | 1.3104% | 759 |
| Net interest margin | 3.6891% | 2,956 |
| Noninterest income to average assets | 1.2366% | 594 |
| Noninterest expense to average assets | 3.0409% | 1,857 |
| Loan and lease loss provision to assets | 0.0504% | 2,889 |
| Net operating income to assets | 1.1741% | 2,289 |
| Return on assets (ROA) | 1.1684% | 2,388 |
| Pretax return on assets | 1.5284% | 1,877 |
| Return on Equity (ROE) | 9.6192% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.1982% | 1,320 |
| Net charge-offs to loans | 0.0040% | 3,264 |
| Credit loss provision to net charge-offs | 1,654.3478% | 232 |
| Earnings coverage of net charge-offs (x) | 520.3631% | 187 |
| Efficiency ratio | 63.9204% | 3,021 |
| Assets per employee ($millions) | 7.0114% | 1,022 |
| Cash dividends to net income (ytd only)* | 14.7726% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 4,302 |
| Loan loss allowance to noncurrent loans | 557.2546% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 3,946 |
| Noncurrent loans to loans | 0.1493% | 4,003 |
| Net loans and leases to total assets | 75.1758% | 1,625 |
| Net loans and leases to deposits | 87.6172% | 1,986 |
| Net loans and leases to core deposits | 96.6352% | 1,949 |
| Total domestic deposits to total assets | 85.8003% | 2,083 |
| Equity capital to assets | 12.5264% | 1,898 |
| Core capital (leverage) ratio | 10.5622% | 3,048 |
| Tier 1 risk-based capital ratio | 11.9410% | 4,442 |
| Total risk-based capital ratio | 12.6931% | 4,598 |
| Memoranda: | ||
| Average total assets | $2,012,189,000 | 425 |
| Average earning assets | $1,849,198,250 | 423 |
| Average equity | $244,422,000 | 402 |
| Average total loans | $1,524,924,000 | 401 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 1,478 |
| Cost of funding earning assets | 1.3143% | 709 |
| Net interest margin | 3.6895% | 2,962 |
| Noninterest income to average assets | 1.1845% | 611 |
| Noninterest expense to average assets | 3.0502% | 1,865 |
| Loan and lease loss provision to assets | 0.0884% | 2,077 |
| Net operating income to assets | 1.1062% | 2,500 |
| Return on assets (ROA) | 1.0977% | 2,596 |
| Pretax return on assets | 1.4274% | 2,113 |
| Return on Equity (ROE) | 9.1329% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.7387% | 1,501 |
| Net charge-offs to loans | 0.0126% | 2,685 |
| Credit loss provision to net charge-offs | 922.9167% | 370 |
| Earnings coverage of net charge-offs (x) | 159.4271% | 472 |
| Efficiency ratio | 64.7932% | 3,006 |
| Assets per employee ($millions) | 6.9570% | 1,016 |
| Cash dividends to net income (ytd only)* | 15.2658% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 4,299 |
| Loan loss allowance to noncurrent loans | 743.6888% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 4,098 |
| Noncurrent loans to loans | 0.1134% | 4,165 |
| Net loans and leases to total assets | 75.2076% | 1,686 |
| Net loans and leases to deposits | 87.3682% | 2,074 |
| Net loans and leases to core deposits | 102.5620% | 1,515 |
| Total domestic deposits to total assets | 86.0812% | 1,987 |
| Equity capital to assets | 12.2720% | 2,006 |
| Core capital (leverage) ratio | 10.2365% | 3,349 |
| Tier 1 risk-based capital ratio | 11.6527% | 4,608 |
| Total risk-based capital ratio | 12.4145% | 4,741 |
| Memoranda: | ||
| Average total assets | $2,005,150,330 | 428 |
| Average earning assets | $1,843,593,330 | 424 |
| Average equity | $240,996,330 | 405 |
| Average total loans | $1,519,438,330 | 404 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 1,354 |
| Cost of funding earning assets | 1.2963% | 666 |
| Net interest margin | 3.6948% | 2,915 |
| Noninterest income to average assets | 0.9449% | 932 |
| Noninterest expense to average assets | 2.8821% | 2,325 |
| Loan and lease loss provision to assets | 0.1773% | 943 |
| Net operating income to assets | 1.0040% | 2,824 |
| Return on assets (ROA) | 1.0059% | 2,861 |
| Pretax return on assets | 1.2901% | 2,498 |
| Return on Equity (ROE) | 8.4595% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.2058% | 1,967 |
| Net charge-offs to loans | 0.0106% | 2,307 |
| Credit loss provision to net charge-offs | 2,215.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 183.0250% | 421 |
| Efficiency ratio | 64.3206% | 3,187 |
| Assets per employee ($millions) | 7.0399% | 987 |
| Cash dividends to net income (ytd only)* | 14.8200% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 4,384 |
| Loan loss allowance to noncurrent loans | 728.0337% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 4,108 |
| Noncurrent loans to loans | 0.1155% | 4,220 |
| Net loans and leases to total assets | 75.0885% | 1,628 |
| Net loans and leases to deposits | 90.0540% | 1,619 |
| Net loans and leases to core deposits | 109.1506% | 975 |
| Total domestic deposits to total assets | 83.3817% | 3,261 |
| Equity capital to assets | 11.8520% | 2,116 |
| Core capital (leverage) ratio | 10.0121% | 3,590 |
| Tier 1 risk-based capital ratio | 10.8613% | 5,039 |
| Total risk-based capital ratio | 11.5956% | 5,141 |
| Memoranda: | ||
| Average total assets | $1,998,955,500 | 426 |
| Average earning assets | $1,840,647,500 | 427 |
| Average equity | $237,698,000 | 410 |
| Average total loans | $1,514,034,500 | 404 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 1,566 |
| Cost of funding earning assets | 1.1373% | 436 |
| Net interest margin | 3.6538% | 3,205 |
| Noninterest income to average assets | 1.0295% | 888 |
| Noninterest expense to average assets | 3.4921% | 1,004 |
| Loan and lease loss provision to assets | 0.1893% | 1,012 |
| Net operating income to assets | 0.6970% | 4,146 |
| Return on assets (ROA) | 0.6972% | 4,149 |
| Pretax return on assets | 0.7910% | 4,193 |
| Return on Equity (ROE) | 6.7200% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.9336% | 2,229 |
| Net charge-offs to loans | 0.3810% | 495 |
| Credit loss provision to net charge-offs | 63.8652% | 3,059 |
| Earnings coverage of net charge-offs (x) | 3.3070% | 3,427 |
| Efficiency ratio | 77.3921% | 1,191 |
| Assets per employee ($millions) | 6.8650% | 1,042 |
| Cash dividends to net income (ytd only)* | 11.7023% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 4,485 |
| Loan loss allowance to noncurrent loans | 528.2599% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 3,986 |
| Noncurrent loans to loans | 0.1542% | 4,052 |
| Net loans and leases to total assets | 75.1407% | 1,749 |
| Net loans and leases to deposits | 92.7905% | 1,423 |
| Net loans and leases to core deposits | 108.3982% | 1,091 |
| Total domestic deposits to total assets | 80.9789% | 3,891 |
| Equity capital to assets | 11.9316% | 1,952 |
| Core capital (leverage) ratio | 10.0057% | 3,569 |
| Tier 1 risk-based capital ratio | 10.9725% | 4,993 |
| Total risk-based capital ratio | 11.6836% | 5,110 |
| Memoranda: | ||
| Average total assets | $1,501,487,200 | 539 |
| Average earning assets | $1,414,718,600 | 527 |
| Average equity | $155,774,000 | 552 |
| Average total loans | $1,167,872,800 | 495 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 2,133 |
| Cost of funding earning assets | 1.1050% | 390 |
| Net interest margin | 3.4427% | 3,881 |
| Noninterest income to average assets | 0.8725% | 1,279 |
| Noninterest expense to average assets | 2.7760% | 2,722 |
| Loan and lease loss provision to assets | 0.1277% | 1,571 |
| Net operating income to assets | 1.0559% | 2,847 |
| Return on assets (ROA) | 1.0560% | 2,855 |
| Pretax return on assets | 1.2374% | 2,855 |
| Return on Equity (ROE) | 10.7505% | 2,287 |
| Retained earnings to average equity (ytd only) | 10.2608% | 838 |
| Net charge-offs to loans | -0.0207% | 4,639 |
| Credit loss provision to net charge-offs | -785.7988% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9842% | 2,713 |
| Assets per employee ($millions) | 7.6137% | 735 |
| Cash dividends to net income (ytd only)* | 4.5546% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 1,867 |
| Loan loss allowance to noncurrent loans | 261.2532% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 3,048 |
| Noncurrent loans to loans | 0.5181% | 2,831 |
| Net loans and leases to total assets | 78.3216% | 1,290 |
| Net loans and leases to deposits | 97.0702% | 1,036 |
| Net loans and leases to core deposits | 114.2078% | 804 |
| Total domestic deposits to total assets | 80.6856% | 3,959 |
| Equity capital to assets | 9.9249% | 3,721 |
| Core capital (leverage) ratio | 9.8315% | 3,819 |
| Tier 1 risk-based capital ratio | 10.2489% | 5,312 |
| Total risk-based capital ratio | 11.3800% | 5,288 |
| Memoranda: | ||
| Average total assets | $1,386,013,250 | 572 |
| Average earning assets | $1,315,818,750 | 556 |
| Average equity | $136,151,750 | 631 |
| Average total loans | $1,087,987,750 | 519 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 2,240 |
| Cost of funding earning assets | 1.0201% | 427 |
| Net interest margin | 3.4347% | 3,845 |
| Noninterest income to average assets | 0.8503% | 1,320 |
| Noninterest expense to average assets | 2.7719% | 2,755 |
| Loan and lease loss provision to assets | 0.1230% | 1,607 |
| Net operating income to assets | 1.0324% | 2,886 |
| Return on assets (ROA) | 1.0327% | 2,880 |
| Pretax return on assets | 1.2167% | 2,886 |
| Return on Equity (ROE) | 10.5505% | 2,310 |
| Retained earnings to average equity (ytd only) | 10.5505% | 777 |
| Net charge-offs to loans | -0.0255% | 4,673 |
| Credit loss provision to net charge-offs | -617.5182% | 4,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3526% | 2,754 |
| Assets per employee ($millions) | 7.6555% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,061 |
| Loan loss allowance to noncurrent loans | 271.3600% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 3,200 |
| Noncurrent loans to loans | 0.4874% | 2,973 |
| Net loans and leases to total assets | 78.3134% | 1,263 |
| Net loans and leases to deposits | 94.5026% | 1,302 |
| Net loans and leases to core deposits | 110.1116% | 992 |
| Total domestic deposits to total assets | 82.8691% | 3,445 |
| Equity capital to assets | 9.8155% | 3,809 |
| Core capital (leverage) ratio | 9.7523% | 3,838 |
| Tier 1 risk-based capital ratio | 10.2353% | 5,358 |
| Total risk-based capital ratio | 11.3564% | 5,332 |
| Memoranda: | ||
| Average total assets | $1,375,968,000 | 575 |
| Average earning assets | $1,306,296,330 | 558 |
| Average equity | $134,685,000 | 635 |
| Average total loans | $1,075,860,670 | 522 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,729 |
| Cost of funding earning assets | 0.8949% | 608 |
| Net interest margin | 3.3493% | 4,053 |
| Noninterest income to average assets | 0.9062% | 1,137 |
| Noninterest expense to average assets | 2.7251% | 2,960 |
| Loan and lease loss provision to assets | 0.1989% | 839 |
| Net operating income to assets | 1.0027% | 2,848 |
| Return on assets (ROA) | 1.0027% | 2,866 |
| Pretax return on assets | 1.1641% | 2,911 |
| Return on Equity (ROE) | 10.2587% | 2,294 |
| Retained earnings to average equity (ytd only) | 10.2587% | 1,080 |
| Net charge-offs to loans | -0.0620% | 5,062 |
| Credit loss provision to net charge-offs | -413.4146% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5877% | 3,067 |
| Assets per employee ($millions) | 7.5966% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,097 |
| Loan loss allowance to noncurrent loans | 1,095.7863% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,608 |
| Noncurrent loans to loans | 0.1215% | 4,417 |
| Net loans and leases to total assets | 78.0821% | 1,227 |
| Net loans and leases to deposits | 94.4843% | 1,187 |
| Net loans and leases to core deposits | 115.2582% | 751 |
| Total domestic deposits to total assets | 82.6402% | 3,771 |
| Equity capital to assets | 9.6657% | 3,923 |
| Core capital (leverage) ratio | 9.8130% | 3,745 |
| Tier 1 risk-based capital ratio | 9.9715% | 5,508 |
| Total risk-based capital ratio | 11.0860% | 5,484 |
| Memoranda: | ||
| Average total assets | $1,363,472,000 | 586 |
| Average earning assets | $1,295,300,500 | 566 |
| Average equity | $133,272,000 | 640 |
| Average total loans | $1,057,868,500 | 534 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,365 |
| Cost of funding earning assets | 0.7516% | 814 |
| Net interest margin | 3.2597% | 4,287 |
| Noninterest income to average assets | 0.8105% | 1,527 |
| Noninterest expense to average assets | 2.4290% | 3,993 |
| Loan and lease loss provision to assets | 0.9506% | 106 |
| Net operating income to assets | 0.1599% | 5,180 |
| Return on assets (ROA) | 0.1569% | 5,187 |
| Pretax return on assets | 0.5181% | 4,901 |
| Return on Equity (ROE) | 1.7064% | 5,111 |
| Retained earnings to average equity (ytd only) | 1.7064% | 4,285 |
| Net charge-offs to loans | 1.0498% | 167 |
| Credit loss provision to net charge-offs | 119.3545% | 2,194 |
| Earnings coverage of net charge-offs (x) | 1.8500% | 3,843 |
| Efficiency ratio | 62.1527% | 3,914 |
| Assets per employee ($millions) | 7.6821% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 2,007 |
| Loan loss allowance to noncurrent loans | 506.6839% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 4,133 |
| Noncurrent loans to loans | 0.2651% | 3,835 |
| Net loans and leases to total assets | 74.9727% | 1,755 |
| Net loans and leases to deposits | 88.8829% | 1,913 |
| Net loans and leases to core deposits | 108.7312% | 1,079 |
| Total domestic deposits to total assets | 84.3500% | 3,083 |
| Equity capital to assets | 9.8863% | 3,834 |
| Core capital (leverage) ratio | 9.7092% | 3,803 |
| Tier 1 risk-based capital ratio | 10.2871% | 5,450 |
| Total risk-based capital ratio | 11.3999% | 5,424 |
| Memoranda: | ||
| Average total assets | $1,353,903,800 | 569 |
| Average earning assets | $1,284,277,600 | 550 |
| Average equity | $124,473,800 | 659 |
| Average total loans | $1,027,148,400 | 528 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 3,416 |
| Cost of funding earning assets | 0.7304% | 843 |
| Net interest margin | 3.2499% | 4,327 |
| Noninterest income to average assets | 0.7991% | 1,595 |
| Noninterest expense to average assets | 2.4056% | 4,004 |
| Loan and lease loss provision to assets | 1.2681% | 76 |
| Net operating income to assets | 0.1765% | 5,374 |
| Return on assets (ROA) | 0.1800% | 5,382 |
| Pretax return on assets | 0.2109% | 5,377 |
| Return on Equity (ROE) | 1.9951% | 5,310 |
| Retained earnings to average equity (ytd only) | 1.9951% | 4,640 |
| Net charge-offs to loans | 1.3497% | 120 |
| Credit loss provision to net charge-offs | 123.8955% | 1,960 |
| Earnings coverage of net charge-offs (x) | 1.4409% | 3,574 |
| Efficiency ratio | 61.8964% | 3,898 |
| Assets per employee ($millions) | 7.9667% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 2,006 |
| Loan loss allowance to noncurrent loans | 442.4185% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 4,106 |
| Noncurrent loans to loans | 0.3106% | 3,832 |
| Net loans and leases to total assets | 75.7347% | 1,631 |
| Net loans and leases to deposits | 91.7298% | 1,601 |
| Net loans and leases to core deposits | 116.2681% | 738 |
| Total domestic deposits to total assets | 82.5628% | 3,598 |
| Equity capital to assets | 9.7594% | 4,181 |
| Core capital (leverage) ratio | 9.3670% | 4,330 |
| Tier 1 risk-based capital ratio | 10.1912% | 5,553 |
| Total risk-based capital ratio | 11.3340% | 5,535 |
| Memoranda: | ||
| Average total assets | $1,356,287,750 | 565 |
| Average earning assets | $1,285,952,000 | 549 |
| Average equity | $122,365,250 | 675 |
| Average total loans | $1,028,528,000 | 528 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 3,732 |
| Cost of funding earning assets | 0.6755% | 1,014 |
| Net interest margin | 3.1713% | 4,495 |
| Noninterest income to average assets | 0.6997% | 1,992 |
| Noninterest expense to average assets | 2.3888% | 4,079 |
| Loan and lease loss provision to assets | 1.9224% | 46 |
| Net operating income to assets | -0.4110% | 5,668 |
| Return on assets (ROA) | -0.4076% | 5,665 |
| Pretax return on assets | -0.5965% | 5,689 |
| Return on Equity (ROE) | -4.6416% | 5,683 |
| Retained earnings to average equity (ytd only) | -4.6416% | 5,521 |
| Net charge-offs to loans | 2.3861% | 62 |
| Credit loss provision to net charge-offs | 106.6808% | 1,928 |
| Earnings coverage of net charge-offs (x) | 0.7330% | 3,351 |
| Efficiency ratio | 64.2868% | 3,628 |
| Assets per employee ($millions) | 8.1161% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,225 |
| Loan loss allowance to noncurrent loans | 385.6922% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 4,206 |
| Noncurrent loans to loans | 0.3017% | 3,958 |
| Net loans and leases to total assets | 77.1162% | 1,375 |
| Net loans and leases to deposits | 93.2875% | 1,332 |
| Net loans and leases to core deposits | 114.6720% | 769 |
| Total domestic deposits to total assets | 82.6651% | 3,663 |
| Equity capital to assets | 9.1276% | 4,775 |
| Core capital (leverage) ratio | 8.8456% | 4,899 |
| Tier 1 risk-based capital ratio | 9.5424% | 5,705 |
| Total risk-based capital ratio | 10.5167% | 5,720 |
| Memoranda: | ||
| Average total assets | $1,362,250,670 | 564 |
| Average earning assets | $1,292,982,670 | 549 |
| Average equity | $119,613,670 | 693 |
| Average total loans | $1,028,785,670 | 524 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,059 |
| Cost of funding earning assets | 0.6353% | 1,159 |
| Net interest margin | 3.0824% | 4,705 |
| Noninterest income to average assets | 0.6305% | 2,263 |
| Noninterest expense to average assets | 2.4187% | 4,064 |
| Loan and lease loss provision to assets | 1.0033% | 86 |
| Net operating income to assets | 0.1317% | 5,477 |
| Return on assets (ROA) | 0.1299% | 5,489 |
| Pretax return on assets | 0.1329% | 5,496 |
| Return on Equity (ROE) | 1.5100% | 5,423 |
| Retained earnings to average equity (ytd only) | 1.5100% | 4,497 |
| Net charge-offs to loans | 0.4135% | 444 |
| Credit loss provision to net charge-offs | 326.7754% | 745 |
| Earnings coverage of net charge-offs (x) | 3.7063% | 2,455 |
| Efficiency ratio | 67.8900% | 3,219 |
| Assets per employee ($millions) | 8.2722% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 2,316 |
| Loan loss allowance to noncurrent loans | 102.7378% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 1,857 |
| Noncurrent loans to loans | 1.3115% | 1,543 |
| Net loans and leases to total assets | 74.1828% | 1,708 |
| Net loans and leases to deposits | 86.7966% | 1,941 |
| Net loans and leases to core deposits | 104.5689% | 1,192 |
| Total domestic deposits to total assets | 85.4674% | 2,895 |
| Equity capital to assets | 8.4935% | 5,245 |
| Core capital (leverage) ratio | 8.6528% | 5,099 |
| Tier 1 risk-based capital ratio | 9.1956% | 5,794 |
| Total risk-based capital ratio | 10.3158% | 5,802 |
| Memoranda: | ||
| Average total assets | $1,357,569,500 | 570 |
| Average earning assets | $1,288,753,000 | 554 |
| Average equity | $116,822,500 | 706 |
| Average total loans | $1,008,083,500 | 538 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 4,058 |
| Cost of funding earning assets | 0.5723% | 1,528 |
| Net interest margin | 3.1759% | 4,516 |
| Noninterest income to average assets | 0.8576% | 1,544 |
| Noninterest expense to average assets | 2.5334% | 3,906 |
| Loan and lease loss provision to assets | 0.2213% | 992 |
| Net operating income to assets | 0.7430% | 3,571 |
| Return on assets (ROA) | 0.7494% | 3,659 |
| Pretax return on assets | 1.1211% | 3,012 |
| Return on Equity (ROE) | 8.4736% | 2,687 |
| Retained earnings to average equity (ytd only) | 7.1469% | 1,168 |
| Net charge-offs to loans | 0.1437% | 1,822 |
| Credit loss provision to net charge-offs | 213.1876% | 1,336 |
| Earnings coverage of net charge-offs (x) | 12.8410% | 2,414 |
| Efficiency ratio | 65.4157% | 3,693 |
| Assets per employee ($millions) | 7.8451% | 647 |
| Cash dividends to net income (ytd only)* | 15.6576% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 3,178 |
| Loan loss allowance to noncurrent loans | 321.4700% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 4,200 |
| Noncurrent loans to loans | 0.3703% | 3,795 |
| Net loans and leases to total assets | 72.4110% | 2,110 |
| Net loans and leases to deposits | 83.8542% | 2,438 |
| Net loans and leases to core deposits | 101.7003% | 1,467 |
| Total domestic deposits to total assets | 86.3535% | 2,429 |
| Equity capital to assets | 8.7210% | 5,086 |
| Core capital (leverage) ratio | 8.7249% | 5,048 |
| Tier 1 risk-based capital ratio | 9.6823% | 5,798 |
| Total risk-based capital ratio | 10.6678% | 5,822 |
| Memoranda: | ||
| Average total assets | $1,278,377,800 | 579 |
| Average earning assets | $1,211,100,600 | 558 |
| Average equity | $113,056,600 | 708 |
| Average total loans | $923,688,200 | 552 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 4,193 |
| Cost of funding earning assets | 0.5683% | 1,554 |
| Net interest margin | 3.1494% | 4,638 |
| Noninterest income to average assets | 0.8443% | 1,595 |
| Noninterest expense to average assets | 2.5449% | 3,847 |
| Loan and lease loss provision to assets | 0.2909% | 593 |
| Net operating income to assets | 0.6666% | 4,014 |
| Return on assets (ROA) | 0.6751% | 4,105 |
| Pretax return on assets | 1.0034% | 3,616 |
| Return on Equity (ROE) | 7.6059% | 3,237 |
| Retained earnings to average equity (ytd only) | 5.8241% | 2,288 |
| Net charge-offs to loans | 0.2023% | 1,155 |
| Credit loss provision to net charge-offs | 199.7828% | 1,445 |
| Earnings coverage of net charge-offs (x) | 8.8016% | 2,731 |
| Efficiency ratio | 66.3948% | 3,521 |
| Assets per employee ($millions) | 7.8456% | 625 |
| Cash dividends to net income (ytd only)* | 23.4265% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,435 |
| Loan loss allowance to noncurrent loans | 279.1657% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 4,156 |
| Noncurrent loans to loans | 0.4185% | 3,778 |
| Net loans and leases to total assets | 73.8794% | 1,888 |
| Net loans and leases to deposits | 83.9567% | 2,485 |
| Net loans and leases to core deposits | 103.7837% | 1,358 |
| Total domestic deposits to total assets | 87.9970% | 1,410 |
| Equity capital to assets | 8.7310% | 5,378 |
| Core capital (leverage) ratio | 8.6570% | 5,209 |
| Tier 1 risk-based capital ratio | 9.4773% | 5,883 |
| Total risk-based capital ratio | 10.4693% | 5,908 |
| Memoranda: | ||
| Average total assets | $1,264,553,500 | 583 |
| Average earning assets | $1,197,394,750 | 563 |
| Average equity | $112,243,250 | 715 |
| Average total loans | $910,269,750 | 553 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 4,458 |
| Cost of funding earning assets | 0.5688% | 1,555 |
| Net interest margin | 3.0783% | 4,892 |
| Noninterest income to average assets | 0.7723% | 1,836 |
| Noninterest expense to average assets | 2.5289% | 3,953 |
| Loan and lease loss provision to assets | 0.1797% | 1,215 |
| Net operating income to assets | 0.6590% | 4,001 |
| Return on assets (ROA) | 0.6725% | 4,086 |
| Pretax return on assets | 0.9967% | 3,599 |
| Return on Equity (ROE) | 7.5329% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.5329% | 1,366 |
| Net charge-offs to loans | 0.1805% | 1,261 |
| Credit loss provision to net charge-offs | 140.1752% | 1,682 |
| Earnings coverage of net charge-offs (x) | 9.0213% | 2,458 |
| Efficiency ratio | 68.5051% | 3,246 |
| Assets per employee ($millions) | 7.8949% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,911 |
| Loan loss allowance to noncurrent loans | 179.3275% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 3,728 |
| Noncurrent loans to loans | 0.6172% | 3,213 |
| Net loans and leases to total assets | 71.2677% | 2,287 |
| Net loans and leases to deposits | 81.6932% | 2,743 |
| Net loans and leases to core deposits | 102.4515% | 1,438 |
| Total domestic deposits to total assets | 87.2383% | 1,790 |
| Equity capital to assets | 8.7329% | 5,460 |
| Core capital (leverage) ratio | 8.9055% | 4,931 |
| Tier 1 risk-based capital ratio | 9.7368% | 5,908 |
| Total risk-based capital ratio | 10.6735% | 5,946 |
| Memoranda: | ||
| Average total assets | $1,246,719,000 | 588 |
| Average earning assets | $1,179,748,670 | 568 |
| Average equity | $111,298,000 | 726 |
| Average total loans | $885,265,670 | 567 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 4,378 |
| Cost of funding earning assets | 0.5708% | 1,537 |
| Net interest margin | 3.1132% | 4,825 |
| Noninterest income to average assets | 0.7679% | 1,741 |
| Noninterest expense to average assets | 2.6375% | 3,628 |
| Loan and lease loss provision to assets | 0.3085% | 503 |
| Net operating income to assets | 0.5130% | 4,577 |
| Return on assets (ROA) | 0.5216% | 4,649 |
| Pretax return on assets | 0.7837% | 4,255 |
| Return on Equity (ROE) | 5.7746% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.7746% | 2,488 |
| Net charge-offs to loans | 0.3600% | 616 |
| Credit loss provision to net charge-offs | 121.6883% | 1,430 |
| Earnings coverage of net charge-offs (x) | 4.2571% | 2,452 |
| Efficiency ratio | 70.8363% | 2,981 |
| Assets per employee ($millions) | 7.5042% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 3,556 |
| Loan loss allowance to noncurrent loans | 184.3386% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 3,763 |
| Noncurrent loans to loans | 0.6442% | 3,239 |
| Net loans and leases to total assets | 70.0568% | 2,331 |
| Net loans and leases to deposits | 78.8817% | 2,907 |
| Net loans and leases to core deposits | 93.8419% | 2,003 |
| Total domestic deposits to total assets | 88.8125% | 1,199 |
| Equity capital to assets | 9.0632% | 5,109 |
| Core capital (leverage) ratio | 9.1619% | 4,640 |
| Tier 1 risk-based capital ratio | 10.2599% | 5,845 |
| Total risk-based capital ratio | 11.2584% | 5,862 |
| Memoranda: | ||
| Average total assets | $1,214,803,500 | 603 |
| Average earning assets | $1,150,699,500 | 582 |
| Average equity | $109,722,500 | 740 |
| Average total loans | $855,672,500 | 580 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 4,278 |
| Cost of funding earning assets | 0.5277% | 1,941 |
| Net interest margin | 3.2018% | 4,623 |
| Noninterest income to average assets | 0.7665% | 1,913 |
| Noninterest expense to average assets | 2.6899% | 3,614 |
| Loan and lease loss provision to assets | 0.1434% | 1,653 |
| Net operating income to assets | 0.6532% | 4,019 |
| Return on assets (ROA) | 0.6565% | 4,101 |
| Pretax return on assets | 0.9578% | 3,617 |
| Return on Equity (ROE) | 7.1311% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.1311% | 1,224 |
| Net charge-offs to loans | 0.3571% | 830 |
| Credit loss provision to net charge-offs | 58.9432% | 3,280 |
| Earnings coverage of net charge-offs (x) | 4.5073% | 3,542 |
| Efficiency ratio | 70.9184% | 3,084 |
| Assets per employee ($millions) | 7.3563% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 3,480 |
| Loan loss allowance to noncurrent loans | 376.9345% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 4,633 |
| Noncurrent loans to loans | 0.3184% | 4,319 |
| Net loans and leases to total assets | 69.1292% | 2,512 |
| Net loans and leases to deposits | 80.3106% | 2,789 |
| Net loans and leases to core deposits | 96.0839% | 1,840 |
| Total domestic deposits to total assets | 86.0773% | 2,602 |
| Equity capital to assets | 9.0006% | 5,122 |
| Core capital (leverage) ratio | 9.3319% | 4,425 |
| Tier 1 risk-based capital ratio | 10.4155% | 5,817 |
| Total risk-based capital ratio | 11.4298% | 5,828 |
| Memoranda: | ||
| Average total assets | $1,151,436,600 | 610 |
| Average earning assets | $1,086,003,600 | 593 |
| Average equity | $106,000,800 | 730 |
| Average total loans | $784,459,800 | 593 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 4,219 |
| Cost of funding earning assets | 0.5345% | 1,933 |
| Net interest margin | 3.2261% | 4,592 |
| Noninterest income to average assets | 0.8044% | 1,786 |
| Noninterest expense to average assets | 2.7715% | 3,301 |
| Loan and lease loss provision to assets | 0.1525% | 1,429 |
| Net operating income to assets | 0.6328% | 4,226 |
| Return on assets (ROA) | 0.6406% | 4,295 |
| Pretax return on assets | 0.9312% | 3,882 |
| Return on Equity (ROE) | 6.9174% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.9174% | 1,729 |
| Net charge-offs to loans | 0.4995% | 482 |
| Credit loss provision to net charge-offs | 45.1266% | 3,098 |
| Earnings coverage of net charge-offs (x) | 3.1741% | 3,547 |
| Efficiency ratio | 71.9756% | 2,888 |
| Assets per employee ($millions) | 7.1884% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 3,683 |
| Loan loss allowance to noncurrent loans | 336.3384% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 4,631 |
| Noncurrent loans to loans | 0.3555% | 4,336 |
| Net loans and leases to total assets | 70.5697% | 2,303 |
| Net loans and leases to deposits | 82.2049% | 2,622 |
| Net loans and leases to core deposits | 94.9628% | 1,982 |
| Total domestic deposits to total assets | 85.8460% | 2,614 |
| Equity capital to assets | 9.5091% | 4,739 |
| Core capital (leverage) ratio | 9.1804% | 4,758 |
| Tier 1 risk-based capital ratio | 10.4390% | 5,902 |
| Total risk-based capital ratio | 11.4342% | 5,929 |
| Memoranda: | ||
| Average total assets | $1,137,689,000 | 624 |
| Average earning assets | $1,071,907,250 | 602 |
| Average equity | $105,354,500 | 740 |
| Average total loans | $769,543,500 | 606 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6230% | 4,657 |
| Cost of funding earning assets | 0.5428% | 1,883 |
| Net interest margin | 3.0802% | 5,018 |
| Noninterest income to average assets | 0.7497% | 1,993 |
| Noninterest expense to average assets | 2.6432% | 3,763 |
| Loan and lease loss provision to assets | 0.1267% | 1,749 |
| Net operating income to assets | 0.5958% | 4,368 |
| Return on assets (ROA) | 0.6026% | 4,436 |
| Pretax return on assets | 0.8924% | 3,986 |
| Return on Equity (ROE) | 6.5663% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.5663% | 1,916 |
| Net charge-offs to loans | 0.8110% | 263 |
| Credit loss provision to net charge-offs | 23.5313% | 2,982 |
| Earnings coverage of net charge-offs (x) | 1.8743% | 3,436 |
| Efficiency ratio | 72.2423% | 2,971 |
| Assets per employee ($millions) | 7.6087% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 4,074 |
| Loan loss allowance to noncurrent loans | 263.6873% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 4,582 |
| Noncurrent loans to loans | 0.4367% | 4,171 |
| Net loans and leases to total assets | 66.7868% | 2,820 |
| Net loans and leases to deposits | 79.2904% | 2,872 |
| Net loans and leases to core deposits | 93.9289% | 1,962 |
| Total domestic deposits to total assets | 84.2306% | 3,473 |
| Equity capital to assets | 9.2389% | 4,969 |
| Core capital (leverage) ratio | 8.8408% | 5,172 |
| Tier 1 risk-based capital ratio | 10.2812% | 6,001 |
| Total risk-based capital ratio | 11.2075% | 6,054 |
| Memoranda: | ||
| Average total assets | $1,138,329,670 | 624 |
| Average earning assets | $1,072,660,670 | 606 |
| Average equity | $104,472,330 | 745 |
| Average total loans | $755,655,670 | 616 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 4,662 |
| Cost of funding earning assets | 0.5440% | 1,891 |
| Net interest margin | 3.0649% | 5,044 |
| Noninterest income to average assets | 0.6757% | 2,274 |
| Noninterest expense to average assets | 2.7251% | 3,504 |
| Loan and lease loss provision to assets | 0.0477% | 2,977 |
| Net operating income to assets | 0.5544% | 4,463 |
| Return on assets (ROA) | 0.5539% | 4,574 |
| Pretax return on assets | 0.7866% | 4,288 |
| Return on Equity (ROE) | 6.0559% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.0559% | 2,466 |
| Net charge-offs to loans | 0.0429% | 2,380 |
| Credit loss provision to net charge-offs | 168.7500% | 1,165 |
| Earnings coverage of net charge-offs (x) | 29.5625% | 1,163 |
| Efficiency ratio | 76.4082% | 2,447 |
| Assets per employee ($millions) | 7.4358% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 2,497 |
| Loan loss allowance to noncurrent loans | 185.0637% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 3,746 |
| Noncurrent loans to loans | 0.8037% | 3,235 |
| Net loans and leases to total assets | 66.0032% | 2,766 |
| Net loans and leases to deposits | 75.4223% | 3,122 |
| Net loans and leases to core deposits | 86.7849% | 2,462 |
| Total domestic deposits to total assets | 87.5115% | 2,100 |
| Equity capital to assets | 9.1958% | 5,089 |
| Core capital (leverage) ratio | 8.7704% | 5,240 |
| Tier 1 risk-based capital ratio | 10.1466% | 6,128 |
| Total risk-based capital ratio | 11.3244% | 6,100 |
| Memoranda: | ||
| Average total assets | $1,133,039,000 | 622 |
| Average earning assets | $1,066,268,500 | 598 |
| Average equity | $103,635,000 | 747 |
| Average total loans | $745,353,500 | 624 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 4,247 |
| Cost of funding earning assets | 0.5934% | 1,820 |
| Net interest margin | 3.2762% | 4,664 |
| Noninterest income to average assets | 0.6842% | 2,371 |
| Noninterest expense to average assets | 2.6869% | 3,915 |
| Loan and lease loss provision to assets | 0.3662% | 511 |
| Net operating income to assets | 0.4717% | 4,917 |
| Return on assets (ROA) | 0.4726% | 5,012 |
| Pretax return on assets | 0.7009% | 4,628 |
| Return on Equity (ROE) | 4.9886% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.9886% | 2,607 |
| Net charge-offs to loans | 0.1505% | 2,531 |
| Credit loss provision to net charge-offs | 369.8853% | 710 |
| Earnings coverage of net charge-offs (x) | 10.7648% | 2,584 |
| Efficiency ratio | 71.4610% | 3,300 |
| Assets per employee ($millions) | 7.1417% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 2,260 |
| Loan loss allowance to noncurrent loans | 145.7999% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 3,367 |
| Noncurrent loans to loans | 1.0622% | 2,701 |
| Net loans and leases to total assets | 63.5576% | 3,284 |
| Net loans and leases to deposits | 73.1029% | 3,544 |
| Net loans and leases to core deposits | 86.8882% | 2,616 |
| Total domestic deposits to total assets | 86.9427% | 2,316 |
| Equity capital to assets | 9.0971% | 5,182 |
| Core capital (leverage) ratio | 8.5500% | 5,500 |
| Tier 1 risk-based capital ratio | 10.3208% | 6,171 |
| Total risk-based capital ratio | 11.5450% | 6,125 |
| Memoranda: | ||
| Average total assets | $1,056,383,400 | 638 |
| Average earning assets | $989,438,200 | 614 |
| Average equity | $100,068,400 | 735 |
| Average total loans | $695,011,400 | 622 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8426% | 4,398 |
| Cost of funding earning assets | 0.5999% | 1,830 |
| Net interest margin | 3.2427% | 4,817 |
| Noninterest income to average assets | 0.6792% | 2,427 |
| Noninterest expense to average assets | 2.7965% | 3,471 |
| Loan and lease loss provision to assets | 0.0899% | 2,556 |
| Net operating income to assets | 0.5483% | 4,680 |
| Return on assets (ROA) | 0.5521% | 4,743 |
| Pretax return on assets | 0.8318% | 4,252 |
| Return on Equity (ROE) | 5.7665% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.7665% | 2,558 |
| Net charge-offs to loans | 0.1050% | 2,748 |
| Credit loss provision to net charge-offs | 129.3900% | 1,781 |
| Earnings coverage of net charge-offs (x) | 13.1848% | 2,251 |
| Efficiency ratio | 75.1868% | 2,635 |
| Assets per employee ($millions) | 6.8683% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 4,332 |
| Loan loss allowance to noncurrent loans | 77.1255% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 2,762 |
| Noncurrent loans to loans | 1.5317% | 2,114 |
| Net loans and leases to total assets | 66.8518% | 2,710 |
| Net loans and leases to deposits | 76.8239% | 3,091 |
| Net loans and leases to core deposits | 92.8277% | 1,970 |
| Total domestic deposits to total assets | 87.0195% | 2,309 |
| Equity capital to assets | 9.4673% | 4,833 |
| Core capital (leverage) ratio | 8.5479% | 5,599 |
| Tier 1 risk-based capital ratio | 9.7623% | 6,393 |
| Total risk-based capital ratio | 10.7230% | 6,416 |
| Memoranda: | ||
| Average total assets | $1,038,380,500 | 646 |
| Average earning assets | $971,253,500 | 622 |
| Average equity | $99,422,750 | 737 |
| Average total loans | $686,648,500 | 625 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 4,273 |
| Cost of funding earning assets | 0.6073% | 1,843 |
| Net interest margin | 3.2600% | 4,737 |
| Noninterest income to average assets | 0.5732% | 2,975 |
| Noninterest expense to average assets | 2.8504% | 3,336 |
| Loan and lease loss provision to assets | 0.1366% | 1,812 |
| Net operating income to assets | 0.4289% | 5,101 |
| Return on assets (ROA) | 0.4349% | 5,161 |
| Pretax return on assets | 0.6398% | 4,820 |
| Return on Equity (ROE) | 4.5243% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.5243% | 3,302 |
| Net charge-offs to loans | 0.1145% | 2,516 |
| Credit loss provision to net charge-offs | 181.8182% | 1,261 |
| Earnings coverage of net charge-offs (x) | 10.2182% | 2,273 |
| Efficiency ratio | 78.6388% | 2,213 |
| Assets per employee ($millions) | 6.4155% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 4,215 |
| Loan loss allowance to noncurrent loans | 78.7330% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.2516% | 2,605 |
| Noncurrent loans to loans | 1.5759% | 2,202 |
| Net loans and leases to total assets | 68.8979% | 2,259 |
| Net loans and leases to deposits | 80.1791% | 2,495 |
| Net loans and leases to core deposits | 94.7379% | 1,709 |
| Total domestic deposits to total assets | 85.9300% | 3,076 |
| Equity capital to assets | 9.9072% | 4,241 |
| Core capital (leverage) ratio | 8.5755% | 5,554 |
| Tier 1 risk-based capital ratio | 9.9337% | 6,419 |
| Total risk-based capital ratio | 10.9513% | 6,451 |
| Memoranda: | ||
| Average total assets | $1,025,066,330 | 652 |
| Average earning assets | $957,362,330 | 633 |
| Average equity | $98,534,330 | 744 |
| Average total loans | $672,366,000 | 637 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,453 |
| Cost of funding earning assets | 0.6177% | 1,834 |
| Net interest margin | 3.1907% | 4,950 |
| Noninterest income to average assets | 0.4241% | 3,997 |
| Noninterest expense to average assets | 2.7075% | 3,909 |
| Loan and lease loss provision to assets | 0.0439% | 3,220 |
| Net operating income to assets | 0.4575% | 4,902 |
| Return on assets (ROA) | 0.4618% | 4,960 |
| Pretax return on assets | 0.6717% | 4,586 |
| Return on Equity (ROE) | 4.8776% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.8776% | 3,185 |
| Net charge-offs to loans | -0.0183% | 5,310 |
| Credit loss provision to net charge-offs | -376.6667% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0801% | 2,327 |
| Assets per employee ($millions) | 6.6586% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 4,332 |
| Loan loss allowance to noncurrent loans | 58.9259% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.5224% | 2,324 |
| Noncurrent loans to loans | 2.1356% | 1,716 |
| Net loans and leases to total assets | 64.1555% | 2,863 |
| Net loans and leases to deposits | 73.8600% | 3,082 |
| Net loans and leases to core deposits | 88.1965% | 2,071 |
| Total domestic deposits to total assets | 86.8609% | 2,903 |
| Equity capital to assets | 9.4089% | 4,615 |
| Core capital (leverage) ratio | 8.5266% | 5,605 |
| Tier 1 risk-based capital ratio | 9.8617% | 6,505 |
| Total risk-based capital ratio | 10.8610% | 6,517 |
| Memoranda: | ||
| Average total assets | $1,030,774,000 | 649 |
| Average earning assets | $966,807,500 | 631 |
| Average equity | $97,589,500 | 747 |
| Average total loans | $654,970,000 | 656 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 3,405 |
| Cost of funding earning assets | 0.6683% | 2,052 |
| Net interest margin | 3.5150% | 3,831 |
| Noninterest income to average assets | 0.1654% | 6,103 |
| Noninterest expense to average assets | 2.4537% | 4,916 |
| Loan and lease loss provision to assets | 0.0911% | 3,284 |
| Net operating income to assets | 0.6180% | 4,176 |
| Return on assets (ROA) | 0.6225% | 4,271 |
| Pretax return on assets | 0.9867% | 3,405 |
| Return on Equity (ROE) | 6.5159% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.5159% | 1,675 |
| Net charge-offs to loans | 0.1094% | 3,736 |
| Credit loss provision to net charge-offs | 135.3535% | 1,734 |
| Earnings coverage of net charge-offs (x) | 15.9062% | 1,839 |
| Efficiency ratio | 69.4714% | 3,925 |
| Assets per employee ($millions) | 8.0118% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 3,891 |
| Loan loss allowance to noncurrent loans | 129.1056% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 3,904 |
| Noncurrent loans to loans | 1.0460% | 3,418 |
| Net loans and leases to total assets | 61.2117% | 3,495 |
| Net loans and leases to deposits | 70.2852% | 3,750 |
| Net loans and leases to core deposits | 86.4838% | 2,396 |
| Total domestic deposits to total assets | 87.0904% | 2,676 |
| Equity capital to assets | 9.5287% | 4,385 |
| Core capital (leverage) ratio | 8.9553% | 5,068 |
| Tier 1 risk-based capital ratio | 11.1438% | 6,099 |
| Total risk-based capital ratio | 12.1916% | 6,149 |
| Memoranda: | ||
| Average total assets | $1,029,513,000 | 636 |
| Average earning assets | $983,817,600 | 609 |
| Average equity | $98,359,200 | 719 |
| Average total loans | $633,233,600 | 661 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 3,411 |
| Cost of funding earning assets | 0.6697% | 2,178 |
| Net interest margin | 3.5234% | 3,785 |
| Noninterest income to average assets | 0.1509% | 6,280 |
| Noninterest expense to average assets | 2.3199% | 5,273 |
| Loan and lease loss provision to assets | 0.0799% | 3,461 |
| Net operating income to assets | 0.7056% | 3,827 |
| Return on assets (ROA) | 0.7149% | 3,915 |
| Pretax return on assets | 1.1432% | 2,931 |
| Return on Equity (ROE) | 7.4780% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.4780% | 1,652 |
| Net charge-offs to loans | 0.1420% | 3,121 |
| Credit loss provision to net charge-offs | 91.7160% | 2,592 |
| Earnings coverage of net charge-offs (x) | 13.8713% | 1,985 |
| Efficiency ratio | 65.5989% | 4,563 |
| Assets per employee ($millions) | 8.9656% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 4,486 |
| Loan loss allowance to noncurrent loans | 105.1560% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 3,920 |
| Noncurrent loans to loans | 1.2194% | 3,369 |
| Net loans and leases to total assets | 59.8732% | 3,715 |
| Net loans and leases to deposits | 68.3144% | 4,025 |
| Net loans and leases to core deposits | 82.9052% | 2,773 |
| Total domestic deposits to total assets | 87.6436% | 2,332 |
| Equity capital to assets | 9.1916% | 4,948 |
| Core capital (leverage) ratio | 8.6677% | 5,580 |
| Tier 1 risk-based capital ratio | 11.0265% | 6,270 |
| Total risk-based capital ratio | 12.0384% | 6,332 |
| Memoranda: | ||
| Average total assets | $1,034,520,000 | 638 |
| Average earning assets | $991,665,000 | 606 |
| Average equity | $98,901,250 | 722 |
| Average total loans | $634,946,500 | 667 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 3,665 |
| Cost of funding earning assets | 0.6731% | 2,281 |
| Net interest margin | 3.4448% | 4,020 |
| Noninterest income to average assets | 0.1672% | 6,214 |
| Noninterest expense to average assets | 2.3084% | 5,355 |
| Loan and lease loss provision to assets | 0.0979% | 3,156 |
| Net operating income to assets | 0.6664% | 3,989 |
| Return on assets (ROA) | 0.6740% | 4,098 |
| Pretax return on assets | 1.0790% | 3,178 |
| Return on Equity (ROE) | 6.9588% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.9588% | 1,906 |
| Net charge-offs to loans | 0.1292% | 3,083 |
| Credit loss provision to net charge-offs | 122.9268% | 1,823 |
| Earnings coverage of net charge-offs (x) | 14.6293% | 1,816 |
| Efficiency ratio | 66.3088% | 4,491 |
| Assets per employee ($millions) | 8.9044% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 4,645 |
| Loan loss allowance to noncurrent loans | 93.3790% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 3,534 |
| Noncurrent loans to loans | 1.3606% | 3,282 |
| Net loans and leases to total assets | 61.9623% | 3,291 |
| Net loans and leases to deposits | 70.4256% | 3,663 |
| Net loans and leases to core deposits | 86.5975% | 2,276 |
| Total domestic deposits to total assets | 87.9827% | 2,254 |
| Equity capital to assets | 9.3610% | 4,769 |
| Core capital (leverage) ratio | 9.2676% | 4,597 |
| Tier 1 risk-based capital ratio | 11.3139% | 6,197 |
| Total risk-based capital ratio | 12.3564% | 6,265 |
| Memoranda: | ||
| Average total assets | $1,029,702,330 | 641 |
| Average earning assets | $988,285,330 | 611 |
| Average equity | $99,729,330 | 719 |
| Average total loans | $634,524,670 | 659 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 4,060 |
| Cost of funding earning assets | 0.7102% | 2,125 |
| Net interest margin | 3.3035% | 4,505 |
| Noninterest income to average assets | 0.1348% | 6,422 |
| Noninterest expense to average assets | 2.1636% | 5,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7244% | 3,570 |
| Return on assets (ROA) | 0.7077% | 3,790 |
| Pretax return on assets | 1.1184% | 2,890 |
| Return on Equity (ROE) | 7.1842% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.1842% | 2,073 |
| Net charge-offs to loans | 0.0519% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 36.1605% | 855 |
| Efficiency ratio | 65.2374% | 4,788 |
| Assets per employee ($millions) | 9.3161% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,692 |
| Loan loss allowance to noncurrent loans | 87.7522% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 3,623 |
| Noncurrent loans to loans | 1.4818% | 3,337 |
| Net loans and leases to total assets | 60.7880% | 3,294 |
| Net loans and leases to deposits | 69.6624% | 3,549 |
| Net loans and leases to core deposits | 81.2951% | 2,658 |
| Total domestic deposits to total assets | 87.2610% | 2,780 |
| Equity capital to assets | 9.9646% | 4,190 |
| Core capital (leverage) ratio | 8.8265% | 5,143 |
| Tier 1 risk-based capital ratio | 11.6215% | 6,121 |
| Total risk-based capital ratio | 12.6809% | 6,195 |
| Memoranda: | ||
| Average total assets | $1,023,646,000 | 652 |
| Average earning assets | $983,330,500 | 616 |
| Average equity | $100,832,000 | 725 |
| Average total loans | $624,867,000 | 671 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 4,754 |
| Cost of funding earning assets | 0.8175% | 2,524 |
| Net interest margin | 3.3379% | 5,114 |
| Noninterest income to average assets | 0.1595% | 6,234 |
| Noninterest expense to average assets | 2.2336% | 5,847 |
| Loan and lease loss provision to assets | 0.4684% | 1,330 |
| Net operating income to assets | 1.0524% | 2,112 |
| Return on assets (ROA) | 1.1093% | 2,089 |
| Pretax return on assets | 0.7354% | 4,539 |
| Return on Equity (ROE) | 10.6326% | 1,924 |
| Retained earnings to average equity (ytd only) | 10.6326% | 484 |
| Net charge-offs to loans | 0.3944% | 2,677 |
| Credit loss provision to net charge-offs | 200.3029% | 1,293 |
| Earnings coverage of net charge-offs (x) | 4.9041% | 3,211 |
| Efficiency ratio | 66.0730% | 4,489 |
| Assets per employee ($millions) | 10.6375% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,549 |
| Loan loss allowance to noncurrent loans | 93.2554% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 3,973 |
| Noncurrent loans to loans | 1.4106% | 3,484 |
| Net loans and leases to total assets | 59.7104% | 3,653 |
| Net loans and leases to deposits | 66.9754% | 4,135 |
| Net loans and leases to core deposits | 77.9363% | 3,269 |
| Total domestic deposits to total assets | 89.1527% | 1,471 |
| Equity capital to assets | 9.7378% | 4,545 |
| Core capital (leverage) ratio | 9.2217% | 4,541 |
| Tier 1 risk-based capital ratio | 11.7664% | 5,922 |
| Total risk-based capital ratio | 12.8590% | 5,987 |
| Memoranda: | ||
| Average total assets | $847,074,000 | 772 |
| Average earning assets | $817,395,600 | 729 |
| Average equity | $88,379,400 | 786 |
| Average total loans | $502,271,600 | 824 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 5,403 |
| Cost of funding earning assets | 0.8404% | 2,626 |
| Net interest margin | 3.1984% | 5,709 |
| Noninterest income to average assets | 0.1650% | 6,318 |
| Noninterest expense to average assets | 2.2047% | 5,939 |
| Loan and lease loss provision to assets | 0.2306% | 2,745 |
| Net operating income to assets | 1.5286% | 973 |
| Return on assets (ROA) | 1.5972% | 950 |
| Pretax return on assets | 0.8945% | 4,128 |
| Return on Equity (ROE) | 14.9865% | 904 |
| Retained earnings to average equity (ytd only) | 14.9865% | 238 |
| Net charge-offs to loans | 0.0274% | 5,277 |
| Credit loss provision to net charge-offs | 1,427.8351% | 197 |
| Earnings coverage of net charge-offs (x) | 65.4227% | 612 |
| Efficiency ratio | 67.6043% | 4,153 |
| Assets per employee ($millions) | 10.1952% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 4,735 |
| Loan loss allowance to noncurrent loans | 84.9327% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 3,950 |
| Noncurrent loans to loans | 1.5511% | 3,458 |
| Net loans and leases to total assets | 60.6690% | 3,641 |
| Net loans and leases to deposits | 69.3085% | 3,986 |
| Net loans and leases to core deposits | 82.4412% | 2,899 |
| Total domestic deposits to total assets | 87.5348% | 2,329 |
| Equity capital to assets | 10.9522% | 3,328 |
| Core capital (leverage) ratio | 9.7701% | 3,843 |
| Tier 1 risk-based capital ratio | 12.1103% | 5,879 |
| Total risk-based capital ratio | 13.1868% | 5,959 |
| Memoranda: | ||
| Average total assets | $800,882,750 | 830 |
| Average earning assets | $775,292,500 | 778 |
| Average equity | $85,354,750 | 822 |
| Average total loans | $471,757,500 | 876 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 5,519 |
| Cost of funding earning assets | 0.8617% | 2,716 |
| Net interest margin | 3.1776% | 5,804 |
| Noninterest income to average assets | 0.1714% | 6,325 |
| Noninterest expense to average assets | 2.1408% | 6,151 |
| Loan and lease loss provision to assets | 0.2241% | 2,841 |
| Net operating income to assets | 2.1276% | 317 |
| Return on assets (ROA) | 2.2341% | 308 |
| Pretax return on assets | 1.0048% | 3,691 |
| Return on Equity (ROE) | 21.2019% | 282 |
| Retained earnings to average equity (ytd only) | 21.2019% | 84 |
| Net charge-offs to loans | -0.0027% | 6,110 |
| Credit loss provision to net charge-offs | -14,166.6667% | 6,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6056% | 4,600 |
| Assets per employee ($millions) | 10.7225% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 3,547 |
| Loan loss allowance to noncurrent loans | 194.7209% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 5,587 |
| Noncurrent loans to loans | 0.8306% | 4,858 |
| Net loans and leases to total assets | 55.8025% | 4,501 |
| Net loans and leases to deposits | 63.5437% | 4,823 |
| Net loans and leases to core deposits | 73.9295% | 4,047 |
| Total domestic deposits to total assets | 87.8176% | 2,269 |
| Equity capital to assets | 10.8579% | 3,280 |
| Core capital (leverage) ratio | 9.8614% | 3,635 |
| Tier 1 risk-based capital ratio | 13.7302% | 4,637 |
| Total risk-based capital ratio | 14.9807% | 4,614 |
| Memoranda: | ||
| Average total assets | $758,590,330 | 883 |
| Average earning assets | $738,095,670 | 816 |
| Average equity | $79,936,330 | 867 |
| Average total loans | $438,884,330 | 950 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 5,820 |
| Cost of funding earning assets | 0.9038% | 2,656 |
| Net interest margin | 3.0798% | 6,108 |
| Noninterest income to average assets | 0.1601% | 6,424 |
| Noninterest expense to average assets | 2.0392% | 6,392 |
| Loan and lease loss provision to assets | 0.4522% | 1,365 |
| Net operating income to assets | 3.5915% | 79 |
| Return on assets (ROA) | 3.8065% | 76 |
| Pretax return on assets | 0.8767% | 4,123 |
| Return on Equity (ROE) | 36.6961% | 58 |
| Retained earnings to average equity (ytd only) | 36.6961% | 41 |
| Net charge-offs to loans | -0.0055% | 5,805 |
| Credit loss provision to net charge-offs | -14,166.6667% | 6,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6702% | 4,803 |
| Assets per employee ($millions) | 11.8294% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 3,808 |
| Loan loss allowance to noncurrent loans | 217.9077% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 5,834 |
| Noncurrent loans to loans | 0.7247% | 5,210 |
| Net loans and leases to total assets | 55.6865% | 4,439 |
| Net loans and leases to deposits | 63.2616% | 4,731 |
| Net loans and leases to core deposits | 74.2729% | 3,871 |
| Total domestic deposits to total assets | 88.0257% | 2,304 |
| Equity capital to assets | 10.2721% | 3,762 |
| Core capital (leverage) ratio | 10.1532% | 3,171 |
| Tier 1 risk-based capital ratio | 13.3500% | 4,934 |
| Total risk-based capital ratio | 14.6002% | 4,925 |
| Memoranda: | ||
| Average total assets | $751,877,000 | 890 |
| Average earning assets | $730,706,500 | 825 |
| Average equity | $77,992,000 | 891 |
| Average total loans | $439,383,000 | 946 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 6,510 |
| Cost of funding earning assets | 1.2094% | 1,970 |
| Net interest margin | 2.7599% | 6,873 |
| Noninterest income to average assets | 0.1347% | 6,480 |
| Noninterest expense to average assets | 2.1789% | 6,313 |
| Loan and lease loss provision to assets | 0.3129% | 3,165 |
| Net operating income to assets | 0.3325% | 5,141 |
| Return on assets (ROA) | 0.3419% | 5,260 |
| Pretax return on assets | 0.3419% | 5,447 |
| Return on Equity (ROE) | 2.9281% | 5,315 |
| Retained earnings to average equity (ytd only) | 2.9281% | 4,152 |
| Net charge-offs to loans | 0.1360% | 5,053 |
| Credit loss provision to net charge-offs | 397.6939% | 587 |
| Earnings coverage of net charge-offs (x) | 8.2034% | 2,190 |
| Efficiency ratio | 77.1490% | 2,720 |
| Assets per employee ($millions) | 11.2886% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 4,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 59.6335% | 4,051 |
| Net loans and leases to deposits | 68.2703% | 4,399 |
| Net loans and leases to core deposits | 81.6027% | 3,235 |
| Total domestic deposits to total assets | 87.3491% | 2,554 |
| Equity capital to assets | 10.4853% | 3,552 |
| Core capital (leverage) ratio | 10.3061% | 2,962 |
| Tier 1 risk-based capital ratio | 13.4720% | 4,714 |
| Total risk-based capital ratio | 14.6753% | 4,721 |
| Memoranda: | ||
| Average total assets | $606,320,400 | 1,079 |
| Average earning assets | $590,864,000 | 996 |
| Average equity | $70,797,400 | 948 |
| Average total loans | $350,851,800 | 1,207 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 6,599 |
| Cost of funding earning assets | 1.2731% | 1,849 |
| Net interest margin | 2.7208% | 6,974 |
| Noninterest income to average assets | 0.1312% | 6,597 |
| Noninterest expense to average assets | 2.1460% | 6,415 |
| Loan and lease loss provision to assets | 0.3080% | 3,063 |
| Net operating income to assets | 0.3261% | 5,303 |
| Return on assets (ROA) | 0.3406% | 5,423 |
| Pretax return on assets | 0.3406% | 5,622 |
| Return on Equity (ROE) | 2.8287% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.8287% | 4,663 |
| Net charge-offs to loans | 0.1954% | 4,241 |
| Credit loss provision to net charge-offs | 276.2887% | 1,040 |
| Earnings coverage of net charge-offs (x) | 5.6887% | 2,721 |
| Efficiency ratio | 77.1908% | 2,653 |
| Assets per employee ($millions) | 10.7161% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,740 |
| Loan loss allowance to noncurrent loans | 2,516.0000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 6,968 |
| Noncurrent loans to loans | 0.0629% | 6,772 |
| Net loans and leases to total assets | 54.7257% | 5,049 |
| Net loans and leases to deposits | 63.3851% | 5,251 |
| Net loans and leases to core deposits | 79.2375% | 3,744 |
| Total domestic deposits to total assets | 86.3384% | 3,020 |
| Equity capital to assets | 11.6426% | 2,547 |
| Core capital (leverage) ratio | 10.7328% | 2,635 |
| Tier 1 risk-based capital ratio | 15.8639% | 3,186 |
| Total risk-based capital ratio | 17.1144% | 3,142 |
| Memoranda: | ||
| Average total assets | $580,104,750 | 1,141 |
| Average earning assets | $564,780,500 | 1,059 |
| Average equity | $69,854,250 | 970 |
| Average total loans | $330,982,500 | 1,286 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 6,730 |
| Cost of funding earning assets | 1.2662% | 2,143 |
| Net interest margin | 2.6900% | 7,043 |
| Noninterest income to average assets | 0.1241% | 6,708 |
| Noninterest expense to average assets | 2.1443% | 6,514 |
| Loan and lease loss provision to assets | 0.1985% | 3,943 |
| Net operating income to assets | 0.3945% | 4,971 |
| Return on assets (ROA) | 0.4070% | 5,068 |
| Pretax return on assets | 0.4070% | 5,373 |
| Return on Equity (ROE) | 3.3379% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.3379% | 4,136 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3353% | 2,660 |
| Assets per employee ($millions) | 10.3832% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 3,651 |
| Loan loss allowance to noncurrent loans | 2,382.6667% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 7,004 |
| Noncurrent loans to loans | 0.0676% | 6,813 |
| Net loans and leases to total assets | 53.4512% | 5,369 |
| Net loans and leases to deposits | 61.9110% | 5,514 |
| Net loans and leases to core deposits | 79.6227% | 3,842 |
| Total domestic deposits to total assets | 86.3356% | 3,136 |
| Equity capital to assets | 11.5260% | 2,484 |
| Core capital (leverage) ratio | 11.8248% | 1,705 |
| Tier 1 risk-based capital ratio | 16.9003% | 2,565 |
| Total risk-based capital ratio | 18.1511% | 2,538 |
| Memoranda: | ||
| Average total assets | $559,151,330 | 1,202 |
| Average earning assets | $543,199,330 | 1,113 |
| Average equity | $68,186,330 | 990 |
| Average total loans | $322,134,000 | 1,336 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 6,859 |
| Cost of funding earning assets | 1.2659% | 2,386 |
| Net interest margin | 2.6061% | 7,118 |
| Noninterest income to average assets | 0.1217% | 6,807 |
| Noninterest expense to average assets | 2.2110% | 6,399 |
| Loan and lease loss provision to assets | 0.1300% | 4,378 |
| Net operating income to assets | 0.3095% | 5,362 |
| Return on assets (ROA) | 0.3095% | 5,431 |
| Pretax return on assets | 0.3095% | 5,627 |
| Return on Equity (ROE) | 2.4606% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.4606% | 4,679 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4184% | 2,029 |
| Assets per employee ($millions) | 10.5901% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 3,951 |
| Loan loss allowance to noncurrent loans | 2,212.8889% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 7,063 |
| Noncurrent loans to loans | 0.0702% | 6,861 |
| Net loans and leases to total assets | 57.3395% | 4,744 |
| Net loans and leases to deposits | 66.5788% | 4,890 |
| Net loans and leases to core deposits | 94.0871% | 1,872 |
| Total domestic deposits to total assets | 86.1227% | 3,448 |
| Equity capital to assets | 12.2242% | 1,778 |
| Core capital (leverage) ratio | 12.7385% | 1,220 |
| Tier 1 risk-based capital ratio | 17.4291% | 2,325 |
| Total risk-based capital ratio | 18.6796% | 2,294 |
| Memoranda: | ||
| Average total assets | $532,423,500 | 1,263 |
| Average earning assets | $516,639,000 | 1,187 |
| Average equity | $66,975,000 | 1,001 |
| Average total loans | $316,797,500 | 1,378 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 7,235 |
| Cost of funding earning assets | 1.3734% | 3,436 |
| Net interest margin | 2.4637% | 7,292 |
| Noninterest income to average assets | 0.1458% | 6,663 |
| Noninterest expense to average assets | 2.9248% | 4,128 |
| Loan and lease loss provision to assets | 0.3810% | 3,831 |
| Net operating income to assets | -0.7890% | 6,572 |
| Return on assets (ROA) | -0.7821% | 6,593 |
| Pretax return on assets | -0.7821% | 6,516 |
| Return on Equity (ROE) | -4.5007% | 6,388 |
| Retained earnings to average equity (ytd only) | -4.5007% | 6,246 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.2091% | 450 |
| Assets per employee ($millions) | 9.8877% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 3,836 |
| Loan loss allowance to noncurrent loans | 3,204.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 7,171 |
| Noncurrent loans to loans | 0.0479% | 7,008 |
| Net loans and leases to total assets | 59.9130% | 4,698 |
| Net loans and leases to deposits | 70.9240% | 4,698 |
| Net loans and leases to core deposits | 99.8059% | 1,638 |
| Total domestic deposits to total assets | 84.4749% | 4,129 |
| Equity capital to assets | 12.9595% | 1,407 |
| Core capital (leverage) ratio | 14.2817% | 794 |
| Tier 1 risk-based capital ratio | 18.4811% | 1,851 |
| Total risk-based capital ratio | 19.7321% | 1,811 |
| Memoranda: | ||
| Average total assets | $393,671,000 | 1,673 |
| Average earning assets | $378,853,800 | 1,589 |
| Average equity | $68,411,400 | 984 |
| Average total loans | $251,041,000 | 1,754 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 7,369 |
| Cost of funding earning assets | 1.4024% | 3,571 |
| Net interest margin | 2.4608% | 7,396 |
| Noninterest income to average assets | 0.1386% | 6,862 |
| Noninterest expense to average assets | 3.1614% | 3,063 |
| Loan and lease loss provision to assets | 0.4551% | 3,199 |
| Net operating income to assets | -1.1167% | 6,952 |
| Return on assets (ROA) | -1.1160% | 6,985 |
| Pretax return on assets | -1.1160% | 6,903 |
| Return on Equity (ROE) | -5.8923% | 6,709 |
| Retained earnings to average equity (ytd only) | -5.8923% | 6,622 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4671% | 326 |
| Assets per employee ($millions) | 8.5929% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 3,504 |
| Loan loss allowance to noncurrent loans | 3,031.3333% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 7,275 |
| Noncurrent loans to loans | 0.0530% | 7,111 |
| Net loans and leases to total assets | 62.3683% | 4,456 |
| Net loans and leases to deposits | 75.7466% | 4,223 |
| Net loans and leases to core deposits | 116.1311% | 742 |
| Total domestic deposits to total assets | 82.3381% | 4,860 |
| Equity capital to assets | 15.3870% | 796 |
| Core capital (leverage) ratio | 16.3484% | 510 |
| Tier 1 risk-based capital ratio | 20.2578% | 1,495 |
| Total risk-based capital ratio | 21.5092% | 1,468 |
| Memoranda: | ||
| Average total assets | $363,548,250 | 1,824 |
| Average earning assets | $348,825,750 | 1,738 |
| Average equity | $68,856,000 | 967 |
| Average total loans | $235,587,250 | 1,877 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 7,477 |
| Cost of funding earning assets | 1.4296% | 3,670 |
| Net interest margin | 2.3864% | 7,490 |
| Noninterest income to average assets | 0.1310% | 6,933 |
| Noninterest expense to average assets | 3.5010% | 2,029 |
| Loan and lease loss provision to assets | 0.5402% | 2,620 |
| Net operating income to assets | -1.6254% | 7,194 |
| Return on assets (ROA) | -1.6254% | 7,203 |
| Pretax return on assets | -1.6254% | 7,122 |
| Return on Equity (ROE) | -7.9228% | 6,884 |
| Retained earnings to average equity (ytd only) | -7.9228% | 6,808 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.9211% | 228 |
| Assets per employee ($millions) | 8.0123% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 3,005 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 60.1627% | 5,027 |
| Net loans and leases to deposits | 74.7048% | 4,566 |
| Net loans and leases to core deposits | 127.6609% | 472 |
| Total domestic deposits to total assets | 80.5339% | 5,551 |
| Equity capital to assets | 17.1569% | 507 |
| Core capital (leverage) ratio | 17.6113% | 389 |
| Tier 1 risk-based capital ratio | 23.0971% | 1,056 |
| Total risk-based capital ratio | 24.3497% | 1,032 |
| Memoranda: | ||
| Average total assets | $335,787,330 | 1,983 |
| Average earning assets | $321,484,670 | 1,885 |
| Average equity | $68,890,000 | 966 |
| Average total loans | $219,707,000 | 2,028 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 7,582 |
| Cost of funding earning assets | 1.4018% | 4,161 |
| Net interest margin | 2.4124% | 7,524 |
| Noninterest income to average assets | 0.1173% | 7,107 |
| Noninterest expense to average assets | 3.8158% | 1,307 |
| Loan and lease loss provision to assets | 0.2004% | 4,497 |
| Net operating income to assets | -1.5980% | 7,360 |
| Return on assets (ROA) | -1.5980% | 7,362 |
| Pretax return on assets | -1.5980% | 7,288 |
| Return on Equity (ROE) | -7.0293% | 6,997 |
| Retained earnings to average equity (ytd only) | -7.0293% | 6,747 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.7972% | 184 |
| Assets per employee ($millions) | 6.2969% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 3,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 62.2797% | 4,701 |
| Net loans and leases to deposits | 82.2569% | 3,241 |
| Net loans and leases to core deposits | 127.2498% | 555 |
| Total domestic deposits to total assets | 75.7136% | 6,801 |
| Equity capital to assets | 20.9224% | 245 |
| Core capital (leverage) ratio | 23.0803% | 164 |
| Tier 1 risk-based capital ratio | 28.4345% | 607 |
| Total risk-based capital ratio | 29.6870% | 594 |
| Memoranda: | ||
| Average total assets | $303,374,000 | 2,229 |
| Average earning assets | $289,333,500 | 2,149 |
| Average equity | $68,968,500 | 971 |
| Average total loans | $206,944,000 | 2,207 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 7,813 |
| Cost of funding earning assets | 1.4561% | 5,694 |
| Net interest margin | 2.1447% | 7,676 |
| Noninterest income to average assets | 0.2168% | 6,562 |
| Noninterest expense to average assets | 5.4002% | 413 |
| Loan and lease loss provision to assets | 1.1588% | 1,972 |
| Net operating income to assets | -4.3210% | 7,655 |
| Return on assets (ROA) | -4.3129% | 7,651 |
| Pretax return on assets | -4.3129% | 7,600 |
| Return on Equity (ROE) | -12.2143% | 6,784 |
| Retained earnings to average equity (ytd only) | -12.2143% | 6,699 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 241.2988% | 92 |
| Assets per employee ($millions) | 5.3713% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 3,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 72.7495% | 2,566 |
| Net loans and leases to deposits | 101.7017% | 775 |
| Net loans and leases to core deposits | 142.9760% | 710 |
| Total domestic deposits to total assets | 71.5322% | 7,286 |
| Equity capital to assets | 24.8574% | 168 |
| Core capital (leverage) ratio | 26.8253% | 133 |
| Tier 1 risk-based capital ratio | 29.3627% | 562 |
| Total risk-based capital ratio | 30.6145% | 547 |
| Memoranda: | ||
| Average total assets | $208,492,600 | 3,077 |
| Average earning assets | $196,486,800 | 3,017 |
| Average equity | $73,618,800 | 885 |
| Average total loans | $138,214,600 | 3,117 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 7,924 |
| Cost of funding earning assets | 1.4149% | 6,170 |
| Net interest margin | 2.1338% | 7,745 |
| Noninterest income to average assets | 0.1684% | 7,005 |
| Noninterest expense to average assets | 6.0939% | 297 |
| Loan and lease loss provision to assets | 1.0497% | 1,836 |
| Net operating income to assets | -4.9736% | 7,838 |
| Return on assets (ROA) | -4.9736% | 7,837 |
| Pretax return on assets | -4.9736% | 7,806 |
| Return on Equity (ROE) | -12.7087% | 7,056 |
| Retained earnings to average equity (ytd only) | -12.7087% | 6,989 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 280.8374% | 70 |
| Assets per employee ($millions) | 4.7144% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 3,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 62.5250% | 5,157 |
| Net loans and leases to deposits | 91.8983% | 2,250 |
| Net loans and leases to core deposits | 122.7564% | 2,016 |
| Total domestic deposits to total assets | 68.0371% | 7,570 |
| Equity capital to assets | 29.7606% | 117 |
| Core capital (leverage) ratio | 29.0036% | 130 |
| Tier 1 risk-based capital ratio | 38.8294% | 302 |
| Total risk-based capital ratio | 40.0803% | 295 |
| Memoranda: | ||
| Average total assets | $190,788,500 | 3,307 |
| Average earning assets | $178,952,250 | 3,250 |
| Average equity | $74,666,250 | 875 |
| Average total loans | $121,142,750 | 3,488 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5794% | 8,016 |
| Cost of funding earning assets | 1.1531% | 7,232 |
| Net interest margin | 2.4263% | 7,550 |
| Noninterest income to average assets | 0.1710% | 7,070 |
| Noninterest expense to average assets | 6.5461% | 265 |
| Loan and lease loss provision to assets | 0.9665% | 1,746 |
| Net operating income to assets | -5.0711% | 7,943 |
| Return on assets (ROA) | -5.0711% | 7,937 |
| Pretax return on assets | -5.0711% | 7,870 |
| Return on Equity (ROE) | -11.6718% | 7,151 |
| Retained earnings to average equity (ytd only) | -11.6718% | 7,027 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 268.1241% | 98 |
| Assets per employee ($millions) | 4.8949% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 4,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 58.0444% | 5,956 |
| Net loans and leases to deposits | 86.5106% | 3,461 |
| Net loans and leases to core deposits | 126.3265% | 1,836 |
| Total domestic deposits to total assets | 67.0951% | 7,675 |
| Equity capital to assets | 31.3978% | 123 |
| Core capital (leverage) ratio | 36.0521% | 105 |
| Tier 1 risk-based capital ratio | 44.0562% | 235 |
| Total risk-based capital ratio | 45.0944% | 237 |
| Memoranda: | ||
| Average total assets | $174,240,670 | 3,567 |
| Average earning assets | $163,044,000 | 3,506 |
| Average equity | $75,703,670 | 877 |
| Average total loans | $110,616,330 | 3,752 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 7,984 |
| Cost of funding earning assets | 0.7428% | 7,968 |
| Net interest margin | 3.2840% | 5,550 |
| Noninterest income to average assets | 0.2224% | 6,693 |
| Noninterest expense to average assets | 7.3476% | 185 |
| Loan and lease loss provision to assets | 1.8098% | 682 |
| Net operating income to assets | -5.8992% | 8,083 |
| Return on assets (ROA) | -5.8992% | 8,075 |
| Pretax return on assets | -5.8992% | 8,043 |
| Return on Equity (ROE) | -11.0708% | 7,430 |
| Retained earnings to average equity (ytd only) | -11.0708% | 7,210 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 225.5119% | 151 |
| Assets per employee ($millions) | 3.3221% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 4,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 77.8944% | 1,848 |
| Net loans and leases to deposits | 153.5496% | 58 |
| Net loans and leases to core deposits | 174.1986% | 295 |
| Total domestic deposits to total assets | 50.7292% | 8,094 |
| Equity capital to assets | 48.5202% | 70 |
| Core capital (leverage) ratio | 55.2927% | 62 |
| Tier 1 risk-based capital ratio | 55.5156% | 158 |
| Total risk-based capital ratio | 56.6465% | 158 |
| Memoranda: | ||
| Average total assets | $143,884,500 | 4,115 |
| Average earning assets | $133,009,000 | 4,089 |
| Average equity | $76,670,500 | 864 |
| Average total loans | $96,870,000 | 4,123 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8854% | 8,237 |
| Cost of funding earning assets | 0.2197% | 8,236 |
| Net interest margin | 1.6657% | 8,159 |
| Noninterest income to average assets | 0.0530% | 7,879 |
| Noninterest expense to average assets | 8.1657% | 210 |
| Loan and lease loss provision to assets | 0.7368% | 2,013 |
| Net operating income to assets | -7.2740% | 8,203 |
| Return on assets (ROA) | -7.2765% | 8,199 |
| Pretax return on assets | -7.2765% | 8,174 |
| Return on Equity (ROE) | -11.1657% | 7,356 |
| Retained earnings to average equity (ytd only) | -11.1657% | 7,170 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 501.4235% | 46 |
| Assets per employee ($millions) | 2.8007% | 6,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 4,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.9408% | 6,755 |
| Net loans and leases to deposits | 133.5281% | 170 |
| Net loans and leases to core deposits | 145.3842% | 1,032 |
| Total domestic deposits to total assets | 39.6477% | 8,191 |
| Equity capital to assets | 58.9393% | 61 |
| Core capital (leverage) ratio | 64.3432% | 52 |
| Tier 1 risk-based capital ratio | 88.6288% | 91 |
| Total risk-based capital ratio | 89.6480% | 91 |
| Memoranda: | ||
| Average total assets | $120,786,000 | 4,499 |
| Average earning assets | $114,245,500 | 4,409 |
| Average equity | $78,714,500 | 845 |
| Average total loans | $45,287,500 | 5,917 |