Home > Carrollton Bank > Performance and Condition Ratios
Carrollton Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 1,994 |
| Cost of funding earning assets | 2.0555% | 842 |
| Net interest margin | 2.9858% | 3,314 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.1827% | 3,179 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.9807% | 2,276 |
| Return on assets (ROA) | 0.9833% | 2,258 |
| Pretax return on assets | 0.8955% | 2,973 |
| Return on Equity (ROE) | 13.6900% | 1,558 |
| Retained earnings to average equity (ytd only) | 6.3284% | 2,126 |
| Net charge-offs to loans | 0.0234% | 1,847 |
| Credit loss provision to net charge-offs | 845.7286% | 468 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 1,218 |
| Efficiency ratio | 67.4743% | 2,173 |
| Assets per employee ($millions) | 11.7601% | 437 |
| Cash dividends to net income (ytd only)* | 53.7702% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 1,924 |
| Loan loss allowance to noncurrent loans | 1,145.9966% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 2,933 |
| Noncurrent loans to loans | 0.1107% | 2,975 |
| Net loans and leases to total assets | 79.6800% | 679 |
| Net loans and leases to deposits | 86.8771% | 1,545 |
| Net loans and leases to core deposits | 100.4570% | 1,403 |
| Total domestic deposits to total assets | 91.7100% | 353 |
| Equity capital to assets | 7.5547% | 3,684 |
| Core capital (leverage) ratio | 7.8919% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5103% | 2,875 |
| Memoranda: | ||
| Average total assets | $3,234,277,200 | 370 |
| Average earning assets | $3,112,915,400 | 349 |
| Average equity | $232,319,600 | 476 |
| Average total loans | $2,550,715,000 | 338 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 2,007 |
| Cost of funding earning assets | 1.9568% | 769 |
| Net interest margin | 2.9674% | 3,405 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.1827% | 3,125 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.0019% | 2,362 |
| Return on assets (ROA) | 1.0014% | 2,347 |
| Pretax return on assets | 0.8764% | 3,156 |
| Return on Equity (ROE) | 14.1300% | 1,624 |
| Retained earnings to average equity (ytd only) | 7.2982% | 2,200 |
| Net charge-offs to loans | 0.0281% | 1,512 |
| Credit loss provision to net charge-offs | 785.6604% | 472 |
| Earnings coverage of net charge-offs (x) | 47.8566% | 1,331 |
| Efficiency ratio | 67.4315% | 2,084 |
| Assets per employee ($millions) | 10.7134% | 543 |
| Cash dividends to net income (ytd only)* | 48.3543% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,033 |
| Loan loss allowance to noncurrent loans | 2,338.2353% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,370 |
| Noncurrent loans to loans | 0.0541% | 3,368 |
| Net loans and leases to total assets | 78.9800% | 762 |
| Net loans and leases to deposits | 85.9793% | 1,579 |
| Net loans and leases to core deposits | 98.6556% | 1,405 |
| Total domestic deposits to total assets | 91.8600% | 481 |
| Equity capital to assets | 7.4120% | 3,405 |
| Core capital (leverage) ratio | 7.9392% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7310% | 2,864 |
| Memoranda: | ||
| Average total assets | $3,207,882,750 | 376 |
| Average earning assets | $3,089,343,500 | 358 |
| Average equity | $227,320,500 | 481 |
| Average total loans | $2,514,568,250 | 344 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 2,060 |
| Cost of funding earning assets | 1.8100% | 727 |
| Net interest margin | 2.9602% | 3,544 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.1462% | 3,228 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.8669% | 2,867 |
| Return on assets (ROA) | 0.8689% | 2,852 |
| Pretax return on assets | 0.9140% | 3,132 |
| Return on Equity (ROE) | 12.4600% | 2,023 |
| Retained earnings to average equity (ytd only) | 5.2832% | 2,867 |
| Net charge-offs to loans | -0.0197% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.3185% | 2,192 |
| Assets per employee ($millions) | 10.6222% | 557 |
| Cash dividends to net income (ytd only)* | 57.5962% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,072 |
| Loan loss allowance to noncurrent loans | 5,210.7937% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,633 |
| Noncurrent loans to loans | 0.0244% | 3,586 |
| Net loans and leases to total assets | 78.7700% | 759 |
| Net loans and leases to deposits | 85.6270% | 1,532 |
| Net loans and leases to core deposits | 97.1073% | 1,404 |
| Total domestic deposits to total assets | 91.9900% | 412 |
| Equity capital to assets | 7.2962% | 3,638 |
| Core capital (leverage) ratio | 7.9896% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6864% | 2,886 |
| Memoranda: | ||
| Average total assets | $3,177,269,667 | 370 |
| Average earning assets | $3,064,337,333 | 350 |
| Average equity | $221,568,333 | 483 |
| Average total loans | $2,472,940,000 | 335 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 2,161 |
| Cost of funding earning assets | 1.5483% | 769 |
| Net interest margin | 3.0160% | 3,559 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.1041% | 3,369 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 0.9339% | 2,739 |
| Return on assets (ROA) | 0.9379% | 2,680 |
| Pretax return on assets | 0.9957% | 3,008 |
| Return on Equity (ROE) | 13.7800% | 1,821 |
| Retained earnings to average equity (ytd only) | 6.7743% | 2,560 |
| Net charge-offs to loans | -0.0157% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.4329% | 2,528 |
| Assets per employee ($millions) | 10.2143% | 655 |
| Cash dividends to net income (ytd only)* | 50.8337% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,208 |
| Loan loss allowance to noncurrent loans | 9,026.8571% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,554 |
| Noncurrent loans to loans | 0.0140% | 3,717 |
| Net loans and leases to total assets | 78.0600% | 761 |
| Net loans and leases to deposits | 84.5080% | 1,464 |
| Net loans and leases to core deposits | 94.1692% | 1,383 |
| Total domestic deposits to total assets | 92.3700% | 426 |
| Equity capital to assets | 6.9340% | 3,864 |
| Core capital (leverage) ratio | 7.5724% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3021% | 3,006 |
| Memoranda: | ||
| Average total assets | $3,146,025,500 | 385 |
| Average earning assets | $3,034,330,000 | 364 |
| Average equity | $214,163,500 | 513 |
| Average total loans | $2,416,978,000 | 352 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 3,369 |
| Cost of funding earning assets | 0.6458% | 731 |
| Net interest margin | 2.7432% | 3,985 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.0548% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0328% | 2,444 |
| Return on assets (ROA) | 1.0259% | 2,419 |
| Pretax return on assets | 1.0356% | 2,961 |
| Return on Equity (ROE) | 15.8700% | 1,077 |
| Retained earnings to average equity (ytd only) | 9.9880% | 1,155 |
| Net charge-offs to loans | 0.0325% | 1,422 |
| Credit loss provision to net charge-offs | 9.5376% | 1,957 |
| Earnings coverage of net charge-offs (x) | 46.6561% | 1,405 |
| Efficiency ratio | 66.2950% | 2,193 |
| Assets per employee ($millions) | 10.4528% | 585 |
| Cash dividends to net income (ytd only)* | 37.0592% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,347 |
| Loan loss allowance to noncurrent loans | 4,378.2665% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 3,562 |
| Noncurrent loans to loans | 0.0331% | 3,544 |
| Net loans and leases to total assets | 73.5000% | 1,264 |
| Net loans and leases to deposits | 79.3571% | 1,819 |
| Net loans and leases to core deposits | 83.6447% | 1,894 |
| Total domestic deposits to total assets | 92.6200% | 486 |
| Equity capital to assets | 6.6800% | 3,826 |
| Core capital (leverage) ratio | 7.2659% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7125% | 3,009 |
| Memoranda: | ||
| Average total assets | $3,090,498,200 | 384 |
| Average earning assets | $3,004,045,000 | 362 |
| Average equity | $199,800,000 | 530 |
| Average total loans | $2,129,303,800 | 363 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0690% | 3,741 |
| Cost of funding earning assets | 0.4644% | 914 |
| Net interest margin | 2.6046% | 4,092 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.0130% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9669% | 2,605 |
| Return on assets (ROA) | 0.9566% | 2,610 |
| Pretax return on assets | 0.9633% | 3,128 |
| Return on Equity (ROE) | 14.9200% | 1,195 |
| Retained earnings to average equity (ytd only) | 6.9853% | 2,363 |
| Net charge-offs to loans | 0.0289% | 1,253 |
| Credit loss provision to net charge-offs | 11.3333% | 1,655 |
| Earnings coverage of net charge-offs (x) | 50.0844% | 1,284 |
| Efficiency ratio | 67.3485% | 2,111 |
| Assets per employee ($millions) | 10.2704% | 600 |
| Cash dividends to net income (ytd only)* | 53.1891% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 1,235 |
| Loan loss allowance to noncurrent loans | 4,134.8301% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,670 |
| Noncurrent loans to loans | 0.0369% | 3,629 |
| Net loans and leases to total assets | 70.5200% | 1,438 |
| Net loans and leases to deposits | 75.3229% | 1,931 |
| Net loans and leases to core deposits | 79.4667% | 1,939 |
| Total domestic deposits to total assets | 93.6300% | 428 |
| Equity capital to assets | 6.2361% | 3,868 |
| Core capital (leverage) ratio | 7.0597% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7663% | 3,074 |
| Memoranda: | ||
| Average total assets | $3,079,163,750 | 385 |
| Average earning assets | $2,997,636,250 | 363 |
| Average equity | $197,381,500 | 536 |
| Average total loans | $2,076,966,000 | 367 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7754% | 4,016 |
| Cost of funding earning assets | 0.3662% | 1,142 |
| Net interest margin | 2.4092% | 4,217 |
| Noninterest income to average assets | 0.4744% | 2,335 |
| Noninterest expense to average assets | 2.0482% | 3,299 |
| Loan and lease loss provision to assets | 0.0025% | 2,565 |
| Net operating income to assets | 0.7626% | 3,104 |
| Return on assets (ROA) | 0.7515% | 3,093 |
| Pretax return on assets | 0.7587% | 3,429 |
| Return on Equity (ROE) | 11.6162% | 1,786 |
| Retained earnings to average equity (ytd only) | 2.9918% | 3,447 |
| Net charge-offs to loans | 0.0440% | 948 |
| Credit loss provision to net charge-offs | 8.5393% | 1,639 |
| Earnings coverage of net charge-offs (x) | 26.5978% | 1,446 |
| Efficiency ratio | 72.6158% | 1,676 |
| Assets per employee ($millions) | 10.0563% | 645 |
| Cash dividends to net income (ytd only)* | 74.2445% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 1,045 |
| Loan loss allowance to noncurrent loans | 4,572.2148% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 3,752 |
| Noncurrent loans to loans | 0.0362% | 3,680 |
| Net loans and leases to total assets | 65.6143% | 1,742 |
| Net loans and leases to deposits | 70.1545% | 2,187 |
| Net loans and leases to core deposits | 74.3425% | 2,144 |
| Total domestic deposits to total assets | 93.5283% | 383 |
| Equity capital to assets | 6.3384% | 4,085 |
| Core capital (leverage) ratio | 7.0166% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2266% | 2,984 |
| Memoranda: | ||
| Average total assets | $3,064,813,333 | 383 |
| Average earning assets | $2,984,640,000 | 359 |
| Average equity | $198,274,000 | 534 |
| Average total loans | $2,023,960,000 | 365 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6847% | 3,977 |
| Cost of funding earning assets | 0.3352% | 1,321 |
| Net interest margin | 2.3494% | 4,150 |
| Noninterest income to average assets | 0.4933% | 2,178 |
| Noninterest expense to average assets | 2.0503% | 3,299 |
| Loan and lease loss provision to assets | 0.0014% | 2,268 |
| Net operating income to assets | 0.7207% | 2,979 |
| Return on assets (ROA) | 0.7071% | 3,023 |
| Pretax return on assets | 0.7156% | 3,347 |
| Return on Equity (ROE) | 10.8193% | 1,674 |
| Retained earnings to average equity (ytd only) | 0.9981% | 3,825 |
| Net charge-offs to loans | 0.0718% | 635 |
| Credit loss provision to net charge-offs | 3.0556% | 1,328 |
| Earnings coverage of net charge-offs (x) | 15.4972% | 1,352 |
| Efficiency ratio | 73.7224% | 1,776 |
| Assets per employee ($millions) | 9.9717% | 685 |
| Cash dividends to net income (ytd only)* | 90.7744% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 1,095 |
| Loan loss allowance to noncurrent loans | 4,425.5512% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,790 |
| Noncurrent loans to loans | 0.0379% | 3,706 |
| Net loans and leases to total assets | 66.4647% | 1,367 |
| Net loans and leases to deposits | 71.2391% | 1,837 |
| Net loans and leases to core deposits | 76.3790% | 1,753 |
| Total domestic deposits to total assets | 93.2981% | 207 |
| Equity capital to assets | 6.6097% | 4,383 |
| Core capital (leverage) ratio | 6.9361% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2192% | 3,027 |
| Memoranda: | ||
| Average total assets | $3,053,579,000 | 386 |
| Average earning assets | $2,973,491,500 | 365 |
| Average equity | $199,569,500 | 547 |
| Average total loans | $2,006,059,500 | 363 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1955% | 3,479 |
| Cost of funding earning assets | 0.4295% | 1,336 |
| Net interest margin | 2.7660% | 3,740 |
| Noninterest income to average assets | 0.7552% | 1,577 |
| Noninterest expense to average assets | 2.2223% | 3,006 |
| Loan and lease loss provision to assets | 0.0669% | 1,735 |
| Net operating income to assets | 1.1400% | 2,144 |
| Return on assets (ROA) | 1.1401% | 2,194 |
| Pretax return on assets | 1.1514% | 2,816 |
| Return on Equity (ROE) | 18.1981% | 447 |
| Retained earnings to average equity (ytd only) | 8.1491% | 1,477 |
| Net charge-offs to loans | 0.0096% | 2,206 |
| Credit loss provision to net charge-offs | 1,017.8010% | 527 |
| Earnings coverage of net charge-offs (x) | 185.4031% | 569 |
| Efficiency ratio | 64.5919% | 2,463 |
| Assets per employee ($millions) | 10.6018% | 565 |
| Cash dividends to net income (ytd only)* | 55.2203% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 958 |
| Loan loss allowance to noncurrent loans | 3,667.0213% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,817 |
| Noncurrent loans to loans | 0.0476% | 3,744 |
| Net loans and leases to total assets | 62.7313% | 1,856 |
| Net loans and leases to deposits | 67.2076% | 2,387 |
| Net loans and leases to core deposits | 72.3977% | 2,222 |
| Total domestic deposits to total assets | 93.3397% | 30 |
| Equity capital to assets | 6.4635% | 4,797 |
| Core capital (leverage) ratio | 6.5678% | 4,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9793% | 3,048 |
| Memoranda: | ||
| Average total assets | $2,906,788,800 | 385 |
| Average earning assets | $2,822,055,400 | 367 |
| Average equity | $182,106,600 | 598 |
| Average total loans | $1,982,015,000 | 368 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3042% | 3,378 |
| Cost of funding earning assets | 0.4545% | 1,323 |
| Net interest margin | 2.8497% | 3,659 |
| Noninterest income to average assets | 0.7900% | 1,558 |
| Noninterest expense to average assets | 2.2771% | 2,818 |
| Loan and lease loss provision to assets | 0.0905% | 1,325 |
| Net operating income to assets | 1.1757% | 2,248 |
| Return on assets (ROA) | 1.1760% | 2,307 |
| Pretax return on assets | 1.1871% | 2,972 |
| Return on Equity (ROE) | 18.9331% | 523 |
| Retained earnings to average equity (ytd only) | 5.1955% | 3,146 |
| Net charge-offs to loans | -0.0098% | 3,666 |
| Credit loss provision to net charge-offs | -1,328.7671% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0636% | 2,378 |
| Assets per employee ($millions) | 10.2142% | 603 |
| Cash dividends to net income (ytd only)* | 72.5586% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 904 |
| Loan loss allowance to noncurrent loans | 6,192.7046% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 4,077 |
| Noncurrent loans to loans | 0.0293% | 3,988 |
| Net loans and leases to total assets | 62.3550% | 1,964 |
| Net loans and leases to deposits | 66.5430% | 2,582 |
| Net loans and leases to core deposits | 71.7932% | 2,443 |
| Total domestic deposits to total assets | 93.7062% | 16 |
| Equity capital to assets | 6.0637% | 4,885 |
| Core capital (leverage) ratio | 6.1518% | 4,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5677% | 3,110 |
| Memoranda: | ||
| Average total assets | $2,859,557,500 | 393 |
| Average earning assets | $2,774,001,000 | 375 |
| Average equity | $177,610,000 | 617 |
| Average total loans | $1,983,405,750 | 369 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 3,560 |
| Cost of funding earning assets | 0.4994% | 1,207 |
| Net interest margin | 2.7505% | 3,885 |
| Noninterest income to average assets | 0.7976% | 1,540 |
| Noninterest expense to average assets | 2.3034% | 2,768 |
| Loan and lease loss provision to assets | 0.1365% | 896 |
| Net operating income to assets | 1.0134% | 2,846 |
| Return on assets (ROA) | 1.0130% | 2,932 |
| Pretax return on assets | 1.0237% | 3,389 |
| Return on Equity (ROE) | 16.1715% | 922 |
| Retained earnings to average equity (ytd only) | 2.7398% | 3,924 |
| Net charge-offs to loans | -0.0068% | 3,527 |
| Credit loss provision to net charge-offs | -2,814.7059% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4965% | 2,083 |
| Assets per employee ($millions) | 9.9447% | 619 |
| Cash dividends to net income (ytd only)* | 83.0576% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7509% | 969 |
| Loan loss allowance to noncurrent loans | 5,763.9535% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,140 |
| Noncurrent loans to loans | 0.0304% | 4,052 |
| Net loans and leases to total assets | 66.8211% | 1,602 |
| Net loans and leases to deposits | 71.5385% | 2,251 |
| Net loans and leases to core deposits | 77.5367% | 2,092 |
| Total domestic deposits to total assets | 93.4057% | 20 |
| Equity capital to assets | 6.1355% | 4,916 |
| Core capital (leverage) ratio | 6.1798% | 4,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7507% | 3,089 |
| Memoranda: | ||
| Average total assets | $2,804,942,000 | 396 |
| Average earning assets | $2,719,112,667 | 380 |
| Average equity | $175,703,667 | 620 |
| Average total loans | $2,004,525,667 | 365 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2864% | 3,483 |
| Cost of funding earning assets | 0.4702% | 1,592 |
| Net interest margin | 2.8161% | 3,722 |
| Noninterest income to average assets | 0.9419% | 1,234 |
| Noninterest expense to average assets | 2.2594% | 2,911 |
| Loan and lease loss provision to assets | 0.2936% | 322 |
| Net operating income to assets | 1.1115% | 2,434 |
| Return on assets (ROA) | 1.1106% | 2,521 |
| Pretax return on assets | 1.1194% | 3,067 |
| Return on Equity (ROE) | 17.5395% | 775 |
| Retained earnings to average equity (ytd only) | 0.0850% | 4,359 |
| Net charge-offs to loans | -0.0183% | 3,950 |
| Credit loss provision to net charge-offs | -2,194.5652% | 3,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5092% | 2,837 |
| Assets per employee ($millions) | 9.9641% | 603 |
| Cash dividends to net income (ytd only)* | 99.5155% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 1,091 |
| Loan loss allowance to noncurrent loans | 5,229.4294% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,200 |
| Noncurrent loans to loans | 0.0322% | 4,120 |
| Net loans and leases to total assets | 71.4351% | 1,101 |
| Net loans and leases to deposits | 77.4509% | 1,764 |
| Net loans and leases to core deposits | 84.4134% | 1,641 |
| Total domestic deposits to total assets | 92.2327% | 102 |
| Equity capital to assets | 6.0802% | 4,934 |
| Core capital (leverage) ratio | 6.3245% | 4,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7065% | 3,066 |
| Memoranda: | ||
| Average total assets | $2,750,509,500 | 399 |
| Average earning assets | $2,667,635,500 | 384 |
| Average equity | $174,167,000 | 618 |
| Average total loans | $2,015,920,000 | 362 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 3,490 |
| Cost of funding earning assets | 0.6707% | 1,874 |
| Net interest margin | 3.0606% | 3,728 |
| Noninterest income to average assets | 1.0130% | 1,024 |
| Noninterest expense to average assets | 2.4785% | 2,911 |
| Loan and lease loss provision to assets | 0.4843% | 533 |
| Net operating income to assets | 1.0020% | 2,285 |
| Return on assets (ROA) | 1.1159% | 1,977 |
| Pretax return on assets | 1.1211% | 2,619 |
| Return on Equity (ROE) | 15.5251% | 559 |
| Retained earnings to average equity (ytd only) | 8.8097% | 818 |
| Net charge-offs to loans | 0.0072% | 3,085 |
| Credit loss provision to net charge-offs | 8,643.8462% | 124 |
| Earnings coverage of net charge-offs (x) | 266.2154% | 374 |
| Efficiency ratio | 62.4304% | 3,051 |
| Assets per employee ($millions) | 9.5714% | 608 |
| Cash dividends to net income (ytd only)* | 43.2549% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,110 |
| Loan loss allowance to noncurrent loans | 9,914.2424% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,352 |
| Noncurrent loans to loans | 0.0168% | 4,293 |
| Net loans and leases to total assets | 72.7415% | 1,196 |
| Net loans and leases to deposits | 79.5482% | 1,919 |
| Net loans and leases to core deposits | 87.3352% | 1,759 |
| Total domestic deposits to total assets | 91.4432% | 142 |
| Equity capital to assets | 6.6030% | 4,949 |
| Core capital (leverage) ratio | 6.6753% | 4,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0569% | 3,079 |
| Memoranda: | ||
| Average total assets | $2,320,357,800 | 423 |
| Average earning assets | $2,241,750,400 | 397 |
| Average equity | $166,781,800 | 613 |
| Average total loans | $1,814,025,400 | 378 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 3,766 |
| Cost of funding earning assets | 0.7202% | 1,907 |
| Net interest margin | 2.9959% | 3,989 |
| Noninterest income to average assets | 0.9474% | 1,125 |
| Noninterest expense to average assets | 2.4553% | 2,979 |
| Loan and lease loss provision to assets | 0.4001% | 883 |
| Net operating income to assets | 0.9783% | 2,418 |
| Return on assets (ROA) | 1.1354% | 1,987 |
| Pretax return on assets | 1.1408% | 2,597 |
| Return on Equity (ROE) | 15.4246% | 622 |
| Retained earnings to average equity (ytd only) | 6.3584% | 1,940 |
| Net charge-offs to loans | 0.0058% | 2,931 |
| Credit loss provision to net charge-offs | 8,719.4805% | 138 |
| Earnings coverage of net charge-offs (x) | 301.5844% | 357 |
| Efficiency ratio | 63.9572% | 2,739 |
| Assets per employee ($millions) | 8.8567% | 732 |
| Cash dividends to net income (ytd only)* | 58.7772% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 1,751 |
| Loan loss allowance to noncurrent loans | 7,375.1958% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 4,411 |
| Noncurrent loans to loans | 0.0189% | 4,344 |
| Net loans and leases to total assets | 79.5562% | 649 |
| Net loans and leases to deposits | 87.5010% | 1,542 |
| Net loans and leases to core deposits | 96.4904% | 1,416 |
| Total domestic deposits to total assets | 90.9204% | 190 |
| Equity capital to assets | 6.7041% | 4,978 |
| Core capital (leverage) ratio | 6.8312% | 4,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0004% | 3,092 |
| Memoranda: | ||
| Average total assets | $2,237,628,500 | 425 |
| Average earning assets | $2,159,758,500 | 404 |
| Average equity | $164,711,250 | 612 |
| Average total loans | $1,777,208,250 | 377 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 3,834 |
| Cost of funding earning assets | 0.8072% | 1,791 |
| Net interest margin | 3.0043% | 4,117 |
| Noninterest income to average assets | 0.8348% | 1,332 |
| Noninterest expense to average assets | 2.4462% | 3,117 |
| Loan and lease loss provision to assets | 0.3453% | 1,228 |
| Net operating income to assets | 0.9341% | 2,560 |
| Return on assets (ROA) | 1.1373% | 1,968 |
| Pretax return on assets | 1.1429% | 2,573 |
| Return on Equity (ROE) | 14.9325% | 719 |
| Retained earnings to average equity (ytd only) | 5.3972% | 2,307 |
| Net charge-offs to loans | 0.0079% | 2,666 |
| Credit loss provision to net charge-offs | 5,535.8209% | 212 |
| Earnings coverage of net charge-offs (x) | 205.9851% | 432 |
| Efficiency ratio | 65.5604% | 2,577 |
| Assets per employee ($millions) | 8.9240% | 693 |
| Cash dividends to net income (ytd only)* | 63.8559% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 2,090 |
| Loan loss allowance to noncurrent loans | 1,710.8401% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 4,220 |
| Noncurrent loans to loans | 0.0750% | 4,160 |
| Net loans and leases to total assets | 81.5844% | 446 |
| Net loans and leases to deposits | 90.2869% | 1,330 |
| Net loans and leases to core deposits | 99.9795% | 1,256 |
| Total domestic deposits to total assets | 90.3612% | 307 |
| Equity capital to assets | 6.9391% | 4,981 |
| Core capital (leverage) ratio | 7.0762% | 5,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1763% | 3,141 |
| Memoranda: | ||
| Average total assets | $2,148,021,000 | 431 |
| Average earning assets | $2,070,861,000 | 412 |
| Average equity | $163,603,333 | 615 |
| Average total loans | $1,695,516,000 | 394 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 3,392 |
| Cost of funding earning assets | 1.0364% | 1,274 |
| Net interest margin | 3.1079% | 4,080 |
| Noninterest income to average assets | 0.8206% | 1,252 |
| Noninterest expense to average assets | 2.4488% | 3,431 |
| Loan and lease loss provision to assets | 0.0900% | 2,558 |
| Net operating income to assets | 1.2640% | 1,345 |
| Return on assets (ROA) | 1.2727% | 1,419 |
| Pretax return on assets | 1.2786% | 1,935 |
| Return on Equity (ROE) | 15.8810% | 435 |
| Retained earnings to average equity (ytd only) | 8.7529% | 1,036 |
| Net charge-offs to loans | 0.0131% | 2,125 |
| Credit loss provision to net charge-offs | 896.0784% | 624 |
| Earnings coverage of net charge-offs (x) | 135.3725% | 466 |
| Efficiency ratio | 64.2946% | 3,190 |
| Assets per employee ($millions) | 7.8502% | 785 |
| Cash dividends to net income (ytd only)* | 44.8847% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 1,685 |
| Loan loss allowance to noncurrent loans | 2,482.0744% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 4,393 |
| Noncurrent loans to loans | 0.0565% | 4,327 |
| Net loans and leases to total assets | 74.9375% | 1,468 |
| Net loans and leases to deposits | 83.9333% | 2,237 |
| Net loans and leases to core deposits | 95.0114% | 1,880 |
| Total domestic deposits to total assets | 89.2822% | 553 |
| Equity capital to assets | 8.0695% | 4,956 |
| Core capital (leverage) ratio | 7.9482% | 4,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2686% | 3,280 |
| Memoranda: | ||
| Average total assets | $2,030,681,000 | 445 |
| Average earning assets | $1,952,474,000 | 421 |
| Average equity | $162,735,500 | 613 |
| Average total loans | $1,558,692,000 | 412 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 2,734 |
| Cost of funding earning assets | 1.3488% | 664 |
| Net interest margin | 3.2152% | 4,155 |
| Noninterest income to average assets | 0.6609% | 1,959 |
| Noninterest expense to average assets | 2.5424% | 3,344 |
| Loan and lease loss provision to assets | 0.0858% | 2,292 |
| Net operating income to assets | 1.1090% | 2,408 |
| Return on assets (ROA) | 1.1090% | 2,501 |
| Pretax return on assets | 1.1156% | 3,120 |
| Return on Equity (ROE) | 13.5531% | 991 |
| Retained earnings to average equity (ytd only) | 7.8698% | 1,019 |
| Net charge-offs to loans | 0.0570% | 2,287 |
| Credit loss provision to net charge-offs | 183.6278% | 1,438 |
| Earnings coverage of net charge-offs (x) | 25.7126% | 1,723 |
| Efficiency ratio | 67.9098% | 2,479 |
| Assets per employee ($millions) | 7.7695% | 774 |
| Cash dividends to net income (ytd only)* | 41.9334% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 1,532 |
| Loan loss allowance to noncurrent loans | 2,606.7551% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,401 |
| Noncurrent loans to loans | 0.0535% | 4,335 |
| Net loans and leases to total assets | 76.4537% | 1,332 |
| Net loans and leases to deposits | 85.8270% | 2,113 |
| Net loans and leases to core deposits | 97.3633% | 1,783 |
| Total domestic deposits to total assets | 89.0788% | 637 |
| Equity capital to assets | 7.9563% | 5,064 |
| Core capital (leverage) ratio | 8.0855% | 5,015 |
| Tier 1 risk-based capital ratio | 9.9899% | 5,123 |
| Total risk-based capital ratio | 11.2413% | 5,082 |
| Memoranda: | ||
| Average total assets | $1,817,042,000 | 463 |
| Average earning assets | $1,742,329,400 | 447 |
| Average equity | $148,681,600 | 629 |
| Average total loans | $1,489,419,200 | 409 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 2,637 |
| Cost of funding earning assets | 1.3972% | 583 |
| Net interest margin | 3.2299% | 4,234 |
| Noninterest income to average assets | 0.6325% | 2,060 |
| Noninterest expense to average assets | 2.5822% | 3,211 |
| Loan and lease loss provision to assets | 0.0800% | 2,308 |
| Net operating income to assets | 1.0569% | 2,753 |
| Return on assets (ROA) | 1.0569% | 2,834 |
| Pretax return on assets | 1.0636% | 3,397 |
| Return on Equity (ROE) | 12.8161% | 1,347 |
| Retained earnings to average equity (ytd only) | 5.5627% | 2,591 |
| Net charge-offs to loans | 0.0639% | 1,904 |
| Credit loss provision to net charge-offs | 150.3536% | 1,629 |
| Earnings coverage of net charge-offs (x) | 21.4994% | 1,909 |
| Efficiency ratio | 69.3060% | 2,215 |
| Assets per employee ($millions) | 7.4412% | 858 |
| Cash dividends to net income (ytd only)* | 56.5957% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,521 |
| Loan loss allowance to noncurrent loans | 1,707.3092% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,363 |
| Noncurrent loans to loans | 0.0828% | 4,272 |
| Net loans and leases to total assets | 77.2088% | 1,284 |
| Net loans and leases to deposits | 87.1047% | 2,046 |
| Net loans and leases to core deposits | 97.9410% | 1,829 |
| Total domestic deposits to total assets | 88.6391% | 769 |
| Equity capital to assets | 7.9879% | 5,133 |
| Core capital (leverage) ratio | 8.1971% | 5,063 |
| Tier 1 risk-based capital ratio | 9.9826% | 5,191 |
| Total risk-based capital ratio | 11.2344% | 5,140 |
| Memoranda: | ||
| Average total assets | $1,772,114,500 | 475 |
| Average earning assets | $1,697,208,750 | 457 |
| Average equity | $146,135,250 | 638 |
| Average total loans | $1,474,723,750 | 415 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 2,601 |
| Cost of funding earning assets | 1.3901% | 553 |
| Net interest margin | 3.2325% | 4,284 |
| Noninterest income to average assets | 0.5884% | 2,206 |
| Noninterest expense to average assets | 2.6539% | 3,045 |
| Loan and lease loss provision to assets | 0.0625% | 2,571 |
| Net operating income to assets | 0.9646% | 3,043 |
| Return on assets (ROA) | 0.9646% | 3,119 |
| Pretax return on assets | 0.9715% | 3,642 |
| Return on Equity (ROE) | 11.5620% | 1,757 |
| Retained earnings to average equity (ytd only) | 3.7000% | 3,411 |
| Net charge-offs to loans | 0.0386% | 2,114 |
| Credit loss provision to net charge-offs | 190.1060% | 1,264 |
| Earnings coverage of net charge-offs (x) | 31.4735% | 1,427 |
| Efficiency ratio | 71.9632% | 1,927 |
| Assets per employee ($millions) | 7.0935% | 959 |
| Cash dividends to net income (ytd only)* | 67.9986% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,571 |
| Loan loss allowance to noncurrent loans | 1,671.0111% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 4,409 |
| Noncurrent loans to loans | 0.0845% | 4,303 |
| Net loans and leases to total assets | 82.0185% | 612 |
| Net loans and leases to deposits | 93.4119% | 1,321 |
| Net loans and leases to core deposits | 105.8489% | 1,252 |
| Total domestic deposits to total assets | 87.8031% | 1,193 |
| Equity capital to assets | 8.3287% | 5,108 |
| Core capital (leverage) ratio | 8.5006% | 4,965 |
| Tier 1 risk-based capital ratio | 9.8785% | 5,242 |
| Total risk-based capital ratio | 11.1304% | 5,193 |
| Memoranda: | ||
| Average total assets | $1,722,875,330 | 489 |
| Average earning assets | $1,651,958,670 | 465 |
| Average equity | $143,729,000 | 642 |
| Average total loans | $1,465,120,000 | 417 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 2,599 |
| Cost of funding earning assets | 1.3510% | 554 |
| Net interest margin | 3.2309% | 4,325 |
| Noninterest income to average assets | 0.5439% | 2,317 |
| Noninterest expense to average assets | 2.6384% | 3,091 |
| Loan and lease loss provision to assets | 0.0523% | 2,614 |
| Net operating income to assets | 0.9383% | 3,098 |
| Return on assets (ROA) | 0.9383% | 3,139 |
| Pretax return on assets | 0.9454% | 3,629 |
| Return on Equity (ROE) | 11.2377% | 1,849 |
| Retained earnings to average equity (ytd only) | 1.7046% | 4,138 |
| Net charge-offs to loans | 0.0166% | 2,135 |
| Credit loss provision to net charge-offs | 366.6667% | 737 |
| Earnings coverage of net charge-offs (x) | 69.9833% | 842 |
| Efficiency ratio | 72.5609% | 1,947 |
| Assets per employee ($millions) | 6.9171% | 1,034 |
| Cash dividends to net income (ytd only)* | 84.8316% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 1,487 |
| Loan loss allowance to noncurrent loans | 1,017.8830% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,213 |
| Noncurrent loans to loans | 0.1432% | 4,100 |
| Net loans and leases to total assets | 82.3576% | 546 |
| Net loans and leases to deposits | 94.1603% | 1,155 |
| Net loans and leases to core deposits | 106.4324% | 1,146 |
| Total domestic deposits to total assets | 87.4653% | 1,581 |
| Equity capital to assets | 8.1894% | 5,130 |
| Core capital (leverage) ratio | 8.5009% | 5,013 |
| Tier 1 risk-based capital ratio | 9.7232% | 5,315 |
| Total risk-based capital ratio | 10.9755% | 5,292 |
| Memoranda: | ||
| Average total assets | $1,683,438,500 | 504 |
| Average earning assets | $1,611,194,000 | 479 |
| Average equity | $140,562,000 | 653 |
| Average total loans | $1,448,218,500 | 421 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 2,725 |
| Cost of funding earning assets | 0.9222% | 1,017 |
| Net interest margin | 3.4887% | 3,743 |
| Noninterest income to average assets | 0.5598% | 2,492 |
| Noninterest expense to average assets | 2.5194% | 3,558 |
| Loan and lease loss provision to assets | 0.0582% | 2,998 |
| Net operating income to assets | 1.2992% | 1,805 |
| Return on assets (ROA) | 1.2992% | 1,794 |
| Pretax return on assets | 1.3064% | 2,472 |
| Return on Equity (ROE) | 15.8952% | 653 |
| Retained earnings to average equity (ytd only) | 8.3861% | 1,089 |
| Net charge-offs to loans | -0.0011% | 4,192 |
| Credit loss provision to net charge-offs | -5,900.0000% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8647% | 3,050 |
| Assets per employee ($millions) | 6.8233% | 1,059 |
| Cash dividends to net income (ytd only)* | 47.2415% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 1,484 |
| Loan loss allowance to noncurrent loans | 1,280.6373% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,329 |
| Noncurrent loans to loans | 0.1125% | 4,227 |
| Net loans and leases to total assets | 87.3403% | 147 |
| Net loans and leases to deposits | 100.9772% | 673 |
| Net loans and leases to core deposits | 115.4994% | 707 |
| Total domestic deposits to total assets | 86.4951% | 2,020 |
| Equity capital to assets | 8.5190% | 4,922 |
| Core capital (leverage) ratio | 8.5256% | 5,018 |
| Tier 1 risk-based capital ratio | 9.6951% | 5,357 |
| Total risk-based capital ratio | 10.9473% | 5,324 |
| Memoranda: | ||
| Average total assets | $1,621,201,200 | 505 |
| Average earning assets | $1,544,767,600 | 479 |
| Average equity | $132,505,000 | 657 |
| Average total loans | $1,412,593,600 | 420 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,915 |
| Cost of funding earning assets | 0.8628% | 1,061 |
| Net interest margin | 3.4522% | 3,856 |
| Noninterest income to average assets | 0.5400% | 2,618 |
| Noninterest expense to average assets | 2.4778% | 3,659 |
| Loan and lease loss provision to assets | 0.0349% | 3,311 |
| Net operating income to assets | 1.3070% | 1,830 |
| Return on assets (ROA) | 1.3070% | 1,834 |
| Pretax return on assets | 1.3143% | 2,561 |
| Return on Equity (ROE) | 16.1642% | 674 |
| Retained earnings to average equity (ytd only) | 6.0183% | 2,650 |
| Net charge-offs to loans | -0.0124% | 4,456 |
| Credit loss provision to net charge-offs | -325.3846% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7463% | 3,064 |
| Assets per employee ($millions) | 6.8399% | 1,005 |
| Cash dividends to net income (ytd only)* | 62.7681% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 1,615 |
| Loan loss allowance to noncurrent loans | 1,342.9227% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 4,508 |
| Noncurrent loans to loans | 0.1060% | 4,409 |
| Net loans and leases to total assets | 86.1287% | 253 |
| Net loans and leases to deposits | 101.0816% | 699 |
| Net loans and leases to core deposits | 116.4828% | 694 |
| Total domestic deposits to total assets | 85.2071% | 2,524 |
| Equity capital to assets | 8.0873% | 5,142 |
| Core capital (leverage) ratio | 8.3685% | 5,164 |
| Tier 1 risk-based capital ratio | 9.3659% | 5,445 |
| Total risk-based capital ratio | 10.6178% | 5,435 |
| Memoranda: | ||
| Average total assets | $1,617,102,750 | 502 |
| Average earning assets | $1,539,647,750 | 480 |
| Average equity | $130,754,500 | 659 |
| Average total loans | $1,402,946,750 | 418 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2230% | 3,042 |
| Cost of funding earning assets | 0.8090% | 1,090 |
| Net interest margin | 3.4139% | 3,911 |
| Noninterest income to average assets | 0.5307% | 2,680 |
| Noninterest expense to average assets | 2.4411% | 3,794 |
| Loan and lease loss provision to assets | 0.0398% | 3,109 |
| Net operating income to assets | 1.2904% | 1,811 |
| Return on assets (ROA) | 1.2904% | 1,807 |
| Pretax return on assets | 1.2976% | 2,525 |
| Return on Equity (ROE) | 15.9597% | 681 |
| Retained earnings to average equity (ytd only) | 4.7205% | 3,224 |
| Net charge-offs to loans | -0.0132% | 4,409 |
| Credit loss provision to net charge-offs | -347.8261% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6043% | 3,230 |
| Assets per employee ($millions) | 6.9662% | 934 |
| Cash dividends to net income (ytd only)* | 70.4225% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 1,618 |
| Loan loss allowance to noncurrent loans | 2,455.0060% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 4,775 |
| Noncurrent loans to loans | 0.0585% | 4,656 |
| Net loans and leases to total assets | 85.3720% | 321 |
| Net loans and leases to deposits | 101.5875% | 690 |
| Net loans and leases to core deposits | 116.9319% | 670 |
| Total domestic deposits to total assets | 84.0379% | 3,053 |
| Equity capital to assets | 8.0044% | 5,221 |
| Core capital (leverage) ratio | 8.3104% | 5,207 |
| Tier 1 risk-based capital ratio | 9.2907% | 5,506 |
| Total risk-based capital ratio | 10.5427% | 5,493 |
| Memoranda: | ||
| Average total assets | $1,606,668,670 | 505 |
| Average earning assets | $1,528,502,330 | 482 |
| Average equity | $129,902,000 | 659 |
| Average total loans | $1,390,514,670 | 422 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 3,152 |
| Cost of funding earning assets | 0.7583% | 1,145 |
| Net interest margin | 3.3651% | 4,011 |
| Noninterest income to average assets | 0.5188% | 2,693 |
| Noninterest expense to average assets | 2.3832% | 3,991 |
| Loan and lease loss provision to assets | 0.0392% | 2,967 |
| Net operating income to assets | 1.2916% | 1,671 |
| Return on assets (ROA) | 1.2916% | 1,675 |
| Pretax return on assets | 1.2987% | 2,372 |
| Return on Equity (ROE) | 15.8936% | 639 |
| Retained earnings to average equity (ytd only) | 4.4505% | 3,415 |
| Net charge-offs to loans | -0.0195% | 4,544 |
| Credit loss provision to net charge-offs | -232.8358% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0459% | 3,478 |
| Assets per employee ($millions) | 7.1809% | 894 |
| Cash dividends to net income (ytd only)* | 71.9984% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,570 |
| Loan loss allowance to noncurrent loans | 2,765.8436% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 4,878 |
| Noncurrent loans to loans | 0.0533% | 4,742 |
| Net loans and leases to total assets | 84.9661% | 344 |
| Net loans and leases to deposits | 100.4916% | 672 |
| Net loans and leases to core deposits | 119.0055% | 616 |
| Total domestic deposits to total assets | 84.5505% | 3,098 |
| Equity capital to assets | 8.1658% | 5,197 |
| Core capital (leverage) ratio | 8.3002% | 5,261 |
| Tier 1 risk-based capital ratio | 9.4038% | 5,564 |
| Total risk-based capital ratio | 10.6561% | 5,549 |
| Memoranda: | ||
| Average total assets | $1,591,473,500 | 513 |
| Average earning assets | $1,514,495,000 | 491 |
| Average equity | $129,335,000 | 662 |
| Average total loans | $1,376,801,000 | 424 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 3,499 |
| Cost of funding earning assets | 0.6441% | 1,333 |
| Net interest margin | 3.3292% | 4,072 |
| Noninterest income to average assets | 0.5465% | 2,735 |
| Noninterest expense to average assets | 2.3391% | 4,229 |
| Loan and lease loss provision to assets | 0.1650% | 1,339 |
| Net operating income to assets | 1.2137% | 1,477 |
| Return on assets (ROA) | 1.2151% | 1,498 |
| Pretax return on assets | 1.2197% | 2,688 |
| Return on Equity (ROE) | 15.5370% | 539 |
| Retained earnings to average equity (ytd only) | 8.7090% | 555 |
| Net charge-offs to loans | 0.0340% | 3,109 |
| Credit loss provision to net charge-offs | 568.9189% | 569 |
| Earnings coverage of net charge-offs (x) | 47.6959% | 1,125 |
| Efficiency ratio | 62.8382% | 3,805 |
| Assets per employee ($millions) | 7.7853% | 684 |
| Cash dividends to net income (ytd only)* | 43.9469% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 1,617 |
| Loan loss allowance to noncurrent loans | 15,578.1250% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,134 |
| Noncurrent loans to loans | 0.0092% | 5,006 |
| Net loans and leases to total assets | 85.5346% | 286 |
| Net loans and leases to deposits | 100.0490% | 724 |
| Net loans and leases to core deposits | 118.3990% | 637 |
| Total domestic deposits to total assets | 85.4927% | 2,656 |
| Equity capital to assets | 8.0880% | 5,357 |
| Core capital (leverage) ratio | 8.2222% | 5,339 |
| Tier 1 risk-based capital ratio | 9.2312% | 5,623 |
| Total risk-based capital ratio | 10.4831% | 5,613 |
| Memoranda: | ||
| Average total assets | $1,530,909,400 | 509 |
| Average earning assets | $1,460,371,600 | 487 |
| Average equity | $119,727,000 | 686 |
| Average total loans | $1,304,066,400 | 430 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 3,621 |
| Cost of funding earning assets | 0.6356% | 1,330 |
| Net interest margin | 3.2852% | 4,215 |
| Noninterest income to average assets | 0.5348% | 2,805 |
| Noninterest expense to average assets | 2.3344% | 4,201 |
| Loan and lease loss provision to assets | 0.1866% | 1,049 |
| Net operating income to assets | 1.1447% | 1,894 |
| Return on assets (ROA) | 1.1466% | 1,944 |
| Pretax return on assets | 1.1511% | 3,109 |
| Return on Equity (ROE) | 14.7938% | 680 |
| Retained earnings to average equity (ytd only) | 6.0766% | 2,184 |
| Net charge-offs to loans | -0.0239% | 4,912 |
| Credit loss provision to net charge-offs | -921.7391% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6024% | 3,626 |
| Assets per employee ($millions) | 7.6180% | 725 |
| Cash dividends to net income (ytd only)* | 58.9252% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 1,541 |
| Loan loss allowance to noncurrent loans | 1,691.0460% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 4,862 |
| Noncurrent loans to loans | 0.0886% | 4,717 |
| Net loans and leases to total assets | 85.0696% | 330 |
| Net loans and leases to deposits | 99.7944% | 759 |
| Net loans and leases to core deposits | 117.2819% | 695 |
| Total domestic deposits to total assets | 85.2449% | 2,620 |
| Equity capital to assets | 8.0203% | 5,511 |
| Core capital (leverage) ratio | 8.0569% | 5,495 |
| Tier 1 risk-based capital ratio | 9.1368% | 5,695 |
| Total risk-based capital ratio | 10.3895% | 5,690 |
| Memoranda: | ||
| Average total assets | $1,514,642,250 | 517 |
| Average earning assets | $1,445,626,750 | 497 |
| Average equity | $117,388,250 | 701 |
| Average total loans | $1,283,819,750 | 434 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 3,722 |
| Cost of funding earning assets | 0.6255% | 1,300 |
| Net interest margin | 3.2233% | 4,343 |
| Noninterest income to average assets | 0.5536% | 2,694 |
| Noninterest expense to average assets | 2.3530% | 4,204 |
| Loan and lease loss provision to assets | 0.2675% | 602 |
| Net operating income to assets | 0.9990% | 2,435 |
| Return on assets (ROA) | 1.0018% | 2,459 |
| Pretax return on assets | 1.0063% | 3,549 |
| Return on Equity (ROE) | 13.0839% | 1,017 |
| Retained earnings to average equity (ytd only) | 5.1112% | 2,632 |
| Net charge-offs to loans | -0.0276% | 4,915 |
| Credit loss provision to net charge-offs | -1,152.2989% | 4,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9277% | 3,513 |
| Assets per employee ($millions) | 7.8669% | 655 |
| Cash dividends to net income (ytd only)* | 60.9350% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,561 |
| Loan loss allowance to noncurrent loans | 3,521.4411% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 5,118 |
| Noncurrent loans to loans | 0.0427% | 4,983 |
| Net loans and leases to total assets | 83.3982% | 500 |
| Net loans and leases to deposits | 102.3030% | 595 |
| Net loans and leases to core deposits | 119.1215% | 590 |
| Total domestic deposits to total assets | 81.5208% | 4,038 |
| Equity capital to assets | 7.8090% | 5,597 |
| Core capital (leverage) ratio | 8.1148% | 5,479 |
| Tier 1 risk-based capital ratio | 8.9821% | 5,743 |
| Total risk-based capital ratio | 10.2347% | 5,738 |
| Memoranda: | ||
| Average total assets | $1,498,960,670 | 523 |
| Average earning assets | $1,427,875,000 | 503 |
| Average equity | $114,767,000 | 720 |
| Average total loans | $1,262,183,330 | 443 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7530% | 3,921 |
| Cost of funding earning assets | 0.6180% | 1,251 |
| Net interest margin | 3.1350% | 4,547 |
| Noninterest income to average assets | 0.4901% | 3,049 |
| Noninterest expense to average assets | 2.3637% | 4,217 |
| Loan and lease loss provision to assets | 0.2805% | 506 |
| Net operating income to assets | 0.8453% | 3,013 |
| Return on assets (ROA) | 0.8458% | 3,052 |
| Pretax return on assets | 0.8502% | 3,941 |
| Return on Equity (ROE) | 11.1672% | 1,511 |
| Retained earnings to average equity (ytd only) | 8.9092% | 1,114 |
| Net charge-offs to loans | -0.0016% | 3,989 |
| Credit loss provision to net charge-offs | -20,500.0000% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6535% | 3,258 |
| Assets per employee ($millions) | 7.4025% | 789 |
| Cash dividends to net income (ytd only)* | 20.2200% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,698 |
| Loan loss allowance to noncurrent loans | 3,862.5767% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 5,180 |
| Noncurrent loans to loans | 0.0388% | 5,041 |
| Net loans and leases to total assets | 83.8989% | 375 |
| Net loans and leases to deposits | 100.8672% | 558 |
| Net loans and leases to core deposits | 116.5007% | 576 |
| Total domestic deposits to total assets | 83.1776% | 3,772 |
| Equity capital to assets | 7.7369% | 5,620 |
| Core capital (leverage) ratio | 7.9629% | 5,574 |
| Tier 1 risk-based capital ratio | 8.9051% | 5,810 |
| Total risk-based capital ratio | 10.1577% | 5,812 |
| Memoranda: | ||
| Average total assets | $1,461,750,500 | 535 |
| Average earning assets | $1,400,584,000 | 510 |
| Average equity | $110,717,500 | 746 |
| Average total loans | $1,227,171,000 | 454 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 4,283 |
| Cost of funding earning assets | 0.6207% | 1,202 |
| Net interest margin | 3.0572% | 4,830 |
| Noninterest income to average assets | 0.4647% | 3,453 |
| Noninterest expense to average assets | 2.2327% | 4,697 |
| Loan and lease loss provision to assets | 0.1891% | 1,243 |
| Net operating income to assets | 0.9546% | 2,557 |
| Return on assets (ROA) | 0.9847% | 2,517 |
| Pretax return on assets | 0.9895% | 3,514 |
| Return on Equity (ROE) | 12.5570% | 1,101 |
| Retained earnings to average equity (ytd only) | 7.1862% | 1,155 |
| Net charge-offs to loans | 0.0006% | 4,268 |
| Credit loss provision to net charge-offs | 35,928.5714% | 3 |
| Earnings coverage of net charge-offs (x) | 2,181.7143% | 21 |
| Efficiency ratio | 66.0320% | 3,582 |
| Assets per employee ($millions) | 7.4767% | 739 |
| Cash dividends to net income (ytd only)* | 42.7709% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.4603% | 676 |
| Net loans and leases to deposits | 96.7596% | 930 |
| Net loans and leases to core deposits | 110.4303% | 869 |
| Total domestic deposits to total assets | 84.1883% | 3,352 |
| Equity capital to assets | 7.4075% | 5,733 |
| Core capital (leverage) ratio | 7.5849% | 5,733 |
| Tier 1 risk-based capital ratio | 8.7962% | 5,864 |
| Total risk-based capital ratio | 10.0487% | 5,864 |
| Memoranda: | ||
| Average total assets | $1,329,661,000 | 556 |
| Average earning assets | $1,268,506,400 | 535 |
| Average equity | $104,268,600 | 760 |
| Average total loans | $1,089,553,600 | 475 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,321 |
| Cost of funding earning assets | 0.6190% | 1,212 |
| Net interest margin | 3.0600% | 4,874 |
| Noninterest income to average assets | 0.4333% | 3,668 |
| Noninterest expense to average assets | 2.1925% | 4,790 |
| Loan and lease loss provision to assets | 0.1623% | 1,426 |
| Net operating income to assets | 0.9898% | 2,482 |
| Return on assets (ROA) | 1.0308% | 2,416 |
| Pretax return on assets | 1.0358% | 3,492 |
| Return on Equity (ROE) | 12.9465% | 1,073 |
| Retained earnings to average equity (ytd only) | 5.7404% | 2,333 |
| Net charge-offs to loans | 0.0019% | 3,869 |
| Credit loss provision to net charge-offs | 10,560.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 752.9145% | 119 |
| Efficiency ratio | 65.4544% | 3,680 |
| Assets per employee ($millions) | 7.9028% | 609 |
| Cash dividends to net income (ytd only)* | 55.6605% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,773 |
| Loan loss allowance to noncurrent loans | 4,499.7340% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 5,391 |
| Noncurrent loans to loans | 0.0333% | 5,245 |
| Net loans and leases to total assets | 79.5669% | 952 |
| Net loans and leases to deposits | 94.9882% | 1,151 |
| Net loans and leases to core deposits | 108.1881% | 1,036 |
| Total domestic deposits to total assets | 83.7650% | 3,287 |
| Equity capital to assets | 7.5980% | 5,831 |
| Core capital (leverage) ratio | 7.7500% | 5,776 |
| Tier 1 risk-based capital ratio | 9.0797% | 5,916 |
| Total risk-based capital ratio | 10.3323% | 5,917 |
| Memoranda: | ||
| Average total assets | $1,301,326,250 | 567 |
| Average earning assets | $1,240,225,750 | 547 |
| Average equity | $103,613,250 | 767 |
| Average total loans | $1,063,609,500 | 481 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 4,351 |
| Cost of funding earning assets | 0.6158% | 1,216 |
| Net interest margin | 3.0660% | 4,929 |
| Noninterest income to average assets | 0.3815% | 4,016 |
| Noninterest expense to average assets | 2.1714% | 4,909 |
| Loan and lease loss provision to assets | 0.1663% | 1,351 |
| Net operating income to assets | 0.9546% | 2,607 |
| Return on assets (ROA) | 1.0170% | 2,447 |
| Pretax return on assets | 1.0224% | 3,503 |
| Return on Equity (ROE) | 12.5618% | 1,147 |
| Retained earnings to average equity (ytd only) | 4.5793% | 2,995 |
| Net charge-offs to loans | 0.0084% | 3,408 |
| Credit loss provision to net charge-offs | 2,397.7273% | 182 |
| Earnings coverage of net charge-offs (x) | 162.2955% | 391 |
| Efficiency ratio | 65.8603% | 3,698 |
| Assets per employee ($millions) | 7.5955% | 676 |
| Cash dividends to net income (ytd only)* | 63.5462% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,893 |
| Loan loss allowance to noncurrent loans | 3,709.9773% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 5,454 |
| Noncurrent loans to loans | 0.0402% | 5,305 |
| Net loans and leases to total assets | 81.7238% | 654 |
| Net loans and leases to deposits | 98.4835% | 837 |
| Net loans and leases to core deposits | 111.3349% | 860 |
| Total domestic deposits to total assets | 82.9823% | 3,664 |
| Equity capital to assets | 7.8987% | 5,834 |
| Core capital (leverage) ratio | 7.9628% | 5,746 |
| Tier 1 risk-based capital ratio | 9.1291% | 5,990 |
| Total risk-based capital ratio | 10.3816% | 5,985 |
| Memoranda: | ||
| Average total assets | $1,268,837,000 | 581 |
| Average earning assets | $1,206,603,000 | 558 |
| Average equity | $102,724,000 | 774 |
| Average total loans | $1,041,514,000 | 489 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 4,363 |
| Cost of funding earning assets | 0.6050% | 1,302 |
| Net interest margin | 3.0836% | 4,906 |
| Noninterest income to average assets | 0.3696% | 4,081 |
| Noninterest expense to average assets | 2.0920% | 5,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2005% | 1,558 |
| Return on assets (ROA) | 1.2801% | 1,398 |
| Pretax return on assets | 1.2862% | 2,364 |
| Return on Equity (ROE) | 15.6088% | 584 |
| Retained earnings to average equity (ytd only) | 7.3647% | 1,720 |
| Net charge-offs to loans | -0.0075% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4199% | 4,231 |
| Assets per employee ($millions) | 7.4262% | 734 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 2,007 |
| Loan loss allowance to noncurrent loans | 4,879.0476% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,541 |
| Noncurrent loans to loans | 0.0307% | 5,371 |
| Net loans and leases to total assets | 81.1328% | 669 |
| Net loans and leases to deposits | 98.8231% | 700 |
| Net loans and leases to core deposits | 111.3572% | 791 |
| Total domestic deposits to total assets | 82.0991% | 4,194 |
| Equity capital to assets | 8.2690% | 5,711 |
| Core capital (leverage) ratio | 8.2849% | 5,583 |
| Tier 1 risk-based capital ratio | 9.5673% | 6,000 |
| Total risk-based capital ratio | 10.8195% | 5,977 |
| Memoranda: | ||
| Average total assets | $1,242,449,000 | 588 |
| Average earning assets | $1,180,185,500 | 567 |
| Average equity | $101,891,000 | 781 |
| Average total loans | $1,014,054,000 | 499 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 4,753 |
| Cost of funding earning assets | 0.6129% | 1,298 |
| Net interest margin | 2.9565% | 5,228 |
| Noninterest income to average assets | 0.4774% | 3,481 |
| Noninterest expense to average assets | 2.0490% | 5,357 |
| Loan and lease loss provision to assets | 0.0835% | 2,620 |
| Net operating income to assets | 1.1526% | 1,719 |
| Return on assets (ROA) | 1.1670% | 1,752 |
| Pretax return on assets | 1.1747% | 2,750 |
| Return on Equity (ROE) | 14.5708% | 753 |
| Retained earnings to average equity (ytd only) | 6.6209% | 1,481 |
| Net charge-offs to loans | -0.0576% | 5,594 |
| Credit loss provision to net charge-offs | -184.7706% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2304% | 4,565 |
| Assets per employee ($millions) | 7.9314% | 573 |
| Cash dividends to net income (ytd only)* | 54.5603% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,846 |
| Loan loss allowance to noncurrent loans | 4,115.2815% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 5,569 |
| Noncurrent loans to loans | 0.0373% | 5,373 |
| Net loans and leases to total assets | 79.6232% | 894 |
| Net loans and leases to deposits | 97.0057% | 907 |
| Net loans and leases to core deposits | 110.4464% | 829 |
| Total domestic deposits to total assets | 82.0809% | 4,150 |
| Equity capital to assets | 8.1321% | 5,789 |
| Core capital (leverage) ratio | 8.2097% | 5,689 |
| Tier 1 risk-based capital ratio | 9.7337% | 6,013 |
| Total risk-based capital ratio | 10.9866% | 5,985 |
| Memoranda: | ||
| Average total assets | $1,205,376,200 | 585 |
| Average earning assets | $1,147,735,000 | 559 |
| Average equity | $96,542,600 | 794 |
| Average total loans | $946,108,000 | 510 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5361% | 4,897 |
| Cost of funding earning assets | 0.6139% | 1,315 |
| Net interest margin | 2.9222% | 5,370 |
| Noninterest income to average assets | 0.4780% | 3,515 |
| Noninterest expense to average assets | 2.0236% | 5,434 |
| Loan and lease loss provision to assets | 0.0003% | 4,231 |
| Net operating income to assets | 1.2331% | 1,545 |
| Return on assets (ROA) | 1.2335% | 1,602 |
| Pretax return on assets | 1.2413% | 2,641 |
| Return on Equity (ROE) | 15.4624% | 669 |
| Retained earnings to average equity (ytd only) | 4.7498% | 3,089 |
| Net charge-offs to loans | -0.0981% | 5,776 |
| Credit loss provision to net charge-offs | -0.4373% | 4,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9816% | 4,575 |
| Assets per employee ($millions) | 7.5357% | 678 |
| Cash dividends to net income (ytd only)* | 69.2815% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,163 |
| Loan loss allowance to noncurrent loans | 4,350.4505% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 5,679 |
| Noncurrent loans to loans | 0.0345% | 5,485 |
| Net loans and leases to total assets | 78.4225% | 1,037 |
| Net loans and leases to deposits | 95.9331% | 1,011 |
| Net loans and leases to core deposits | 109.2677% | 915 |
| Total domestic deposits to total assets | 81.7471% | 4,241 |
| Equity capital to assets | 8.1259% | 5,914 |
| Core capital (leverage) ratio | 8.0802% | 5,857 |
| Tier 1 risk-based capital ratio | 9.6128% | 6,125 |
| Total risk-based capital ratio | 10.8650% | 6,097 |
| Memoranda: | ||
| Average total assets | $1,197,397,250 | 592 |
| Average earning assets | $1,141,896,500 | 566 |
| Average equity | $95,523,750 | 806 |
| Average total loans | $932,504,750 | 517 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 4,955 |
| Cost of funding earning assets | 0.6155% | 1,311 |
| Net interest margin | 2.8967% | 5,450 |
| Noninterest income to average assets | 0.4976% | 3,392 |
| Noninterest expense to average assets | 2.0116% | 5,508 |
| Loan and lease loss provision to assets | 0.0003% | 4,067 |
| Net operating income to assets | 1.2392% | 1,494 |
| Return on assets (ROA) | 1.2398% | 1,559 |
| Pretax return on assets | 1.2477% | 2,560 |
| Return on Equity (ROE) | 15.6398% | 652 |
| Retained earnings to average equity (ytd only) | 4.1057% | 3,411 |
| Net charge-offs to loans | -0.1001% | 5,791 |
| Credit loss provision to net charge-offs | -0.4338% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7246% | 4,717 |
| Assets per employee ($millions) | 7.7058% | 604 |
| Cash dividends to net income (ytd only)* | 73.7483% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 2,174 |
| Loan loss allowance to noncurrent loans | 4,512.9747% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 5,691 |
| Noncurrent loans to loans | 0.0339% | 5,614 |
| Net loans and leases to total assets | 77.4436% | 1,145 |
| Net loans and leases to deposits | 97.7040% | 817 |
| Net loans and leases to core deposits | 108.4921% | 926 |
| Total domestic deposits to total assets | 79.2635% | 5,035 |
| Equity capital to assets | 8.0603% | 5,957 |
| Core capital (leverage) ratio | 8.1280% | 5,848 |
| Tier 1 risk-based capital ratio | 9.7885% | 6,149 |
| Total risk-based capital ratio | 11.0410% | 6,106 |
| Memoranda: | ||
| Average total assets | $1,192,112,330 | 595 |
| Average earning assets | $1,136,377,000 | 566 |
| Average equity | $94,502,330 | 820 |
| Average total loans | $921,356,330 | 514 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4681% | 5,041 |
| Cost of funding earning assets | 0.6212% | 1,296 |
| Net interest margin | 2.8469% | 5,556 |
| Noninterest income to average assets | 0.4774% | 3,447 |
| Noninterest expense to average assets | 1.9812% | 5,617 |
| Loan and lease loss provision to assets | 0.0003% | 3,701 |
| Net operating income to assets | 1.2019% | 1,542 |
| Return on assets (ROA) | 1.2039% | 1,631 |
| Pretax return on assets | 1.2119% | 2,619 |
| Return on Equity (ROE) | 15.3139% | 665 |
| Retained earnings to average equity (ytd only) | 2.7510% | 4,305 |
| Net charge-offs to loans | -0.2408% | 6,096 |
| Credit loss provision to net charge-offs | -0.1815% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0791% | 4,781 |
| Assets per employee ($millions) | 7.5226% | 666 |
| Cash dividends to net income (ytd only)* | 82.0356% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 2,187 |
| Loan loss allowance to noncurrent loans | 2,946.6119% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 5,688 |
| Noncurrent loans to loans | 0.0530% | 5,566 |
| Net loans and leases to total assets | 76.6381% | 1,119 |
| Net loans and leases to deposits | 93.7000% | 1,015 |
| Net loans and leases to core deposits | 104.8077% | 1,011 |
| Total domestic deposits to total assets | 81.7909% | 4,572 |
| Equity capital to assets | 8.0414% | 6,014 |
| Core capital (leverage) ratio | 8.0026% | 5,945 |
| Tier 1 risk-based capital ratio | 9.5790% | 6,261 |
| Total risk-based capital ratio | 10.8310% | 6,235 |
| Memoranda: | ||
| Average total assets | $1,194,821,000 | 586 |
| Average earning assets | $1,139,053,500 | 563 |
| Average equity | $93,928,000 | 821 |
| Average total loans | $915,394,500 | 514 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 4,983 |
| Cost of funding earning assets | 0.6145% | 1,641 |
| Net interest margin | 3.0200% | 5,405 |
| Noninterest income to average assets | 0.3990% | 4,185 |
| Noninterest expense to average assets | 2.0266% | 5,720 |
| Loan and lease loss provision to assets | 0.0425% | 3,718 |
| Net operating income to assets | 1.1863% | 1,630 |
| Return on assets (ROA) | 1.1965% | 1,661 |
| Pretax return on assets | 1.2051% | 2,635 |
| Return on Equity (ROE) | 15.5932% | 683 |
| Retained earnings to average equity (ytd only) | 6.4632% | 1,668 |
| Net charge-offs to loans | -0.0219% | 5,716 |
| Credit loss provision to net charge-offs | -253.0928% | 5,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0913% | 4,902 |
| Assets per employee ($millions) | 8.2217% | 492 |
| Cash dividends to net income (ytd only)* | 58.5514% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 2,410 |
| Loan loss allowance to noncurrent loans | 2,804.4715% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 5,735 |
| Noncurrent loans to loans | 0.0540% | 5,662 |
| Net loans and leases to total assets | 74.2605% | 1,545 |
| Net loans and leases to deposits | 90.2116% | 1,497 |
| Net loans and leases to core deposits | 100.5245% | 1,361 |
| Total domestic deposits to total assets | 82.3182% | 4,307 |
| Equity capital to assets | 7.6852% | 6,187 |
| Core capital (leverage) ratio | 7.8612% | 6,071 |
| Tier 1 risk-based capital ratio | 9.9765% | 6,265 |
| Total risk-based capital ratio | 11.2293% | 6,214 |
| Memoranda: | ||
| Average total assets | $1,156,226,200 | 585 |
| Average earning assets | $1,096,841,200 | 561 |
| Average equity | $88,718,200 | 830 |
| Average total loans | $884,913,600 | 506 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6550% | 4,985 |
| Cost of funding earning assets | 0.6058% | 1,783 |
| Net interest margin | 3.0491% | 5,384 |
| Noninterest income to average assets | 0.4002% | 4,240 |
| Noninterest expense to average assets | 2.0310% | 5,718 |
| Loan and lease loss provision to assets | 0.0307% | 3,797 |
| Net operating income to assets | 1.2197% | 1,607 |
| Return on assets (ROA) | 1.2313% | 1,635 |
| Pretax return on assets | 1.2402% | 2,611 |
| Return on Equity (ROE) | 16.0540% | 670 |
| Retained earnings to average equity (ytd only) | 3.7364% | 3,986 |
| Net charge-offs to loans | -0.0257% | 5,690 |
| Credit loss provision to net charge-offs | -155.6213% | 5,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7307% | 4,927 |
| Assets per employee ($millions) | 7.7721% | 569 |
| Cash dividends to net income (ytd only)* | 76.7263% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 2,686 |
| Loan loss allowance to noncurrent loans | 2,725.3521% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 5,990 |
| Noncurrent loans to loans | 0.0552% | 5,795 |
| Net loans and leases to total assets | 77.0847% | 1,081 |
| Net loans and leases to deposits | 93.3042% | 1,095 |
| Net loans and leases to core deposits | 104.6284% | 1,059 |
| Total domestic deposits to total assets | 82.6166% | 4,263 |
| Equity capital to assets | 7.7874% | 6,217 |
| Core capital (leverage) ratio | 7.8817% | 6,143 |
| Tier 1 risk-based capital ratio | 9.7968% | 6,386 |
| Total risk-based capital ratio | 11.0495% | 6,358 |
| Memoranda: | ||
| Average total assets | $1,143,135,750 | 587 |
| Average earning assets | $1,083,433,000 | 565 |
| Average equity | $87,677,000 | 838 |
| Average total loans | $878,316,500 | 503 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 5,054 |
| Cost of funding earning assets | 0.6073% | 1,842 |
| Net interest margin | 3.0273% | 5,450 |
| Noninterest income to average assets | 0.4013% | 4,239 |
| Noninterest expense to average assets | 2.0120% | 5,823 |
| Loan and lease loss provision to assets | 0.0195% | 3,881 |
| Net operating income to assets | 1.2230% | 1,519 |
| Return on assets (ROA) | 1.2397% | 1,539 |
| Pretax return on assets | 1.2488% | 2,458 |
| Return on Equity (ROE) | 16.2470% | 633 |
| Retained earnings to average equity (ytd only) | 2.4608% | 4,644 |
| Net charge-offs to loans | -0.0007% | 5,022 |
| Credit loss provision to net charge-offs | -3,700.0000% | 5,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6525% | 5,056 |
| Assets per employee ($millions) | 8.0667% | 480 |
| Cash dividends to net income (ytd only)* | 84.8536% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 2,914 |
| Loan loss allowance to noncurrent loans | 2,624.4048% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 5,909 |
| Noncurrent loans to loans | 0.0570% | 5,868 |
| Net loans and leases to total assets | 77.0682% | 1,044 |
| Net loans and leases to deposits | 93.6729% | 986 |
| Net loans and leases to core deposits | 105.5401% | 922 |
| Total domestic deposits to total assets | 82.2738% | 4,557 |
| Equity capital to assets | 7.8291% | 6,242 |
| Core capital (leverage) ratio | 7.8625% | 6,179 |
| Tier 1 risk-based capital ratio | 9.8169% | 6,445 |
| Total risk-based capital ratio | 11.0673% | 6,415 |
| Memoranda: | ||
| Average total assets | $1,140,758,330 | 590 |
| Average earning assets | $1,078,516,330 | 564 |
| Average equity | $87,044,000 | 842 |
| Average total loans | $871,013,330 | 505 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 5,148 |
| Cost of funding earning assets | 0.6074% | 1,919 |
| Net interest margin | 2.9989% | 5,521 |
| Noninterest income to average assets | 0.3911% | 4,266 |
| Noninterest expense to average assets | 1.9291% | 6,013 |
| Loan and lease loss provision to assets | 0.0021% | 3,798 |
| Net operating income to assets | 1.2805% | 1,266 |
| Return on assets (ROA) | 1.2860% | 1,299 |
| Pretax return on assets | 1.2958% | 2,110 |
| Return on Equity (ROE) | 17.0732% | 525 |
| Retained earnings to average equity (ytd only) | 1.5563% | 4,985 |
| Net charge-offs to loans | 0.0005% | 3,657 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 3,704.0000% | 3 |
| Efficiency ratio | 59.8830% | 5,426 |
| Assets per employee ($millions) | 7.4120% | 656 |
| Cash dividends to net income (ytd only)* | 90.8844% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 2,998 |
| Loan loss allowance to noncurrent loans | 1,235.2166% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 5,963 |
| Noncurrent loans to loans | 0.1242% | 5,734 |
| Net loans and leases to total assets | 74.2368% | 1,234 |
| Net loans and leases to deposits | 88.4713% | 1,310 |
| Net loans and leases to core deposits | 98.2967% | 1,218 |
| Total domestic deposits to total assets | 83.9106% | 4,305 |
| Equity capital to assets | 7.6693% | 6,243 |
| Core capital (leverage) ratio | 7.8086% | 6,215 |
| Tier 1 risk-based capital ratio | 9.9824% | 6,485 |
| Total risk-based capital ratio | 11.1616% | 6,478 |
| Memoranda: | ||
| Average total assets | $1,146,469,000 | 586 |
| Average earning assets | $1,081,987,000 | 566 |
| Average equity | $86,357,500 | 851 |
| Average total loans | $864,726,500 | 503 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 5,159 |
| Cost of funding earning assets | 0.6731% | 2,017 |
| Net interest margin | 3.0193% | 5,533 |
| Noninterest income to average assets | 0.4952% | 3,791 |
| Noninterest expense to average assets | 1.9670% | 6,081 |
| Loan and lease loss provision to assets | 0.2416% | 1,494 |
| Net operating income to assets | 1.1335% | 1,821 |
| Return on assets (ROA) | 1.1549% | 1,803 |
| Pretax return on assets | 1.1656% | 2,707 |
| Return on Equity (ROE) | 15.5521% | 685 |
| Retained earnings to average equity (ytd only) | 7.3933% | 1,277 |
| Net charge-offs to loans | 0.1509% | 3,294 |
| Credit loss provision to net charge-offs | 218.1818% | 1,059 |
| Earnings coverage of net charge-offs (x) | 12.5109% | 2,119 |
| Efficiency ratio | 58.6706% | 5,651 |
| Assets per employee ($millions) | 7.6243% | 566 |
| Cash dividends to net income (ytd only)* | 52.4610% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,198 |
| Loan loss allowance to noncurrent loans | 1,150.2632% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 6,042 |
| Noncurrent loans to loans | 0.1304% | 5,813 |
| Net loans and leases to total assets | 74.3247% | 1,296 |
| Net loans and leases to deposits | 89.0361% | 1,339 |
| Net loans and leases to core deposits | 99.1152% | 1,227 |
| Total domestic deposits to total assets | 83.4771% | 4,372 |
| Equity capital to assets | 7.3986% | 6,330 |
| Core capital (leverage) ratio | 7.7442% | 6,282 |
| Tier 1 risk-based capital ratio | 9.9987% | 6,521 |
| Total risk-based capital ratio | 11.2265% | 6,490 |
| Memoranda: | ||
| Average total assets | $1,122,328,200 | 585 |
| Average earning assets | $1,062,148,600 | 560 |
| Average equity | $83,345,600 | 855 |
| Average total loans | $823,796,000 | 505 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6721% | 5,246 |
| Cost of funding earning assets | 0.6863% | 2,043 |
| Net interest margin | 2.9858% | 5,627 |
| Noninterest income to average assets | 0.5009% | 3,797 |
| Noninterest expense to average assets | 1.9731% | 6,059 |
| Loan and lease loss provision to assets | 0.2283% | 1,586 |
| Net operating income to assets | 1.1174% | 1,945 |
| Return on assets (ROA) | 1.1398% | 1,927 |
| Pretax return on assets | 1.1505% | 2,890 |
| Return on Equity (ROE) | 15.3332% | 744 |
| Retained earnings to average equity (ytd only) | 4.3763% | 3,559 |
| Net charge-offs to loans | 0.1524% | 3,020 |
| Credit loss provision to net charge-offs | 205.6095% | 1,177 |
| Earnings coverage of net charge-offs (x) | 12.2147% | 2,160 |
| Efficiency ratio | 59.2654% | 5,529 |
| Assets per employee ($millions) | 7.6518% | 549 |
| Cash dividends to net income (ytd only)* | 71.4586% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 3,453 |
| Loan loss allowance to noncurrent loans | 507.1515% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 5,789 |
| Noncurrent loans to loans | 0.2958% | 5,491 |
| Net loans and leases to total assets | 73.1960% | 1,417 |
| Net loans and leases to deposits | 86.9091% | 1,502 |
| Net loans and leases to core deposits | 97.1133% | 1,305 |
| Total domestic deposits to total assets | 84.2213% | 4,107 |
| Equity capital to assets | 7.3066% | 6,458 |
| Core capital (leverage) ratio | 7.5235% | 6,439 |
| Tier 1 risk-based capital ratio | 9.8571% | 6,627 |
| Total risk-based capital ratio | 11.1099% | 6,597 |
| Memoranda: | ||
| Average total assets | $1,113,185,250 | 595 |
| Average earning assets | $1,054,525,750 | 562 |
| Average equity | $82,746,500 | 864 |
| Average total loans | $811,129,500 | 514 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6632% | 5,254 |
| Cost of funding earning assets | 0.6968% | 2,082 |
| Net interest margin | 2.9664% | 5,657 |
| Noninterest income to average assets | 0.5472% | 3,517 |
| Noninterest expense to average assets | 1.9607% | 6,111 |
| Loan and lease loss provision to assets | 0.2067% | 1,828 |
| Net operating income to assets | 1.1831% | 1,635 |
| Return on assets (ROA) | 1.2055% | 1,685 |
| Pretax return on assets | 1.2163% | 2,599 |
| Return on Equity (ROE) | 16.1238% | 651 |
| Retained earnings to average equity (ytd only) | 4.2805% | 3,567 |
| Net charge-offs to loans | 0.1586% | 2,832 |
| Credit loss provision to net charge-offs | 180.1575% | 1,321 |
| Earnings coverage of net charge-offs (x) | 12.2047% | 1,997 |
| Efficiency ratio | 58.3333% | 5,684 |
| Assets per employee ($millions) | 7.5728% | 546 |
| Cash dividends to net income (ytd only)* | 73.4523% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 3,555 |
| Loan loss allowance to noncurrent loans | 758.1410% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 6,015 |
| Noncurrent loans to loans | 0.1988% | 5,816 |
| Net loans and leases to total assets | 70.8495% | 1,742 |
| Net loans and leases to deposits | 84.0233% | 1,803 |
| Net loans and leases to core deposits | 94.2893% | 1,499 |
| Total domestic deposits to total assets | 84.3212% | 4,191 |
| Equity capital to assets | 7.1686% | 6,557 |
| Core capital (leverage) ratio | 7.4809% | 6,463 |
| Tier 1 risk-based capital ratio | 10.0291% | 6,628 |
| Total risk-based capital ratio | 11.2817% | 6,606 |
| Memoranda: | ||
| Average total assets | $1,106,757,670 | 600 |
| Average earning assets | $1,049,905,670 | 566 |
| Average equity | $82,747,000 | 869 |
| Average total loans | $800,991,330 | 516 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7022% | 5,152 |
| Cost of funding earning assets | 0.7012% | 2,192 |
| Net interest margin | 3.0010% | 5,569 |
| Noninterest income to average assets | 0.5823% | 3,235 |
| Noninterest expense to average assets | 1.9339% | 6,222 |
| Loan and lease loss provision to assets | 0.2724% | 1,297 |
| Net operating income to assets | 1.2079% | 1,505 |
| Return on assets (ROA) | 1.2465% | 1,506 |
| Pretax return on assets | 1.2574% | 2,387 |
| Return on Equity (ROE) | 16.3290% | 571 |
| Retained earnings to average equity (ytd only) | 6.3229% | 2,492 |
| Net charge-offs to loans | 0.3217% | 1,675 |
| Credit loss provision to net charge-offs | 116.6667% | 1,629 |
| Earnings coverage of net charge-offs (x) | 6.3847% | 2,227 |
| Efficiency ratio | 56.4677% | 6,016 |
| Assets per employee ($millions) | 7.3756% | 639 |
| Cash dividends to net income (ytd only)* | 61.2781% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 3,882 |
| Loan loss allowance to noncurrent loans | 717.3993% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 6,127 |
| Noncurrent loans to loans | 0.2073% | 5,888 |
| Net loans and leases to total assets | 70.3562% | 1,608 |
| Net loans and leases to deposits | 83.7102% | 1,629 |
| Net loans and leases to core deposits | 93.8542% | 1,356 |
| Total domestic deposits to total assets | 84.0473% | 4,459 |
| Equity capital to assets | 7.6393% | 6,546 |
| Core capital (leverage) ratio | 7.6108% | 6,415 |
| Tier 1 risk-based capital ratio | 10.1464% | 6,665 |
| Total risk-based capital ratio | 11.3986% | 6,651 |
| Memoranda: | ||
| Average total assets | $1,099,752,500 | 609 |
| Average earning assets | $1,041,650,000 | 580 |
| Average equity | $83,949,000 | 862 |
| Average total loans | $798,381,500 | 518 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 5,121 |
| Cost of funding earning assets | 0.8488% | 2,294 |
| Net interest margin | 3.2068% | 5,551 |
| Noninterest income to average assets | 0.5645% | 3,485 |
| Noninterest expense to average assets | 1.9751% | 6,377 |
| Loan and lease loss provision to assets | 0.3081% | 2,218 |
| Net operating income to assets | 1.2920% | 1,331 |
| Return on assets (ROA) | 1.3376% | 1,343 |
| Pretax return on assets | 1.3538% | 2,193 |
| Return on Equity (ROE) | 17.5285% | 486 |
| Retained earnings to average equity (ytd only) | 9.0160% | 816 |
| Net charge-offs to loans | 0.0927% | 4,748 |
| Credit loss provision to net charge-offs | 452.6685% | 531 |
| Earnings coverage of net charge-offs (x) | 23.7430% | 1,205 |
| Efficiency ratio | 55.0028% | 6,171 |
| Assets per employee ($millions) | 8.3448% | 434 |
| Cash dividends to net income (ytd only)* | 48.5637% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 3,969 |
| Loan loss allowance to noncurrent loans | 1,064.3510% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 6,337 |
| Noncurrent loans to loans | 0.1356% | 6,143 |
| Net loans and leases to total assets | 72.7236% | 1,386 |
| Net loans and leases to deposits | 85.4765% | 1,580 |
| Net loans and leases to core deposits | 95.3368% | 1,356 |
| Total domestic deposits to total assets | 85.0802% | 3,826 |
| Equity capital to assets | 7.6275% | 6,583 |
| Core capital (leverage) ratio | 7.5692% | 6,463 |
| Tier 1 risk-based capital ratio | 10.0289% | 6,691 |
| Total risk-based capital ratio | 11.2811% | 6,661 |
| Memoranda: | ||
| Average total assets | $1,046,230,000 | 631 |
| Average earning assets | $987,381,600 | 598 |
| Average equity | $79,835,800 | 878 |
| Average total loans | $768,313,400 | 534 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 5,221 |
| Cost of funding earning assets | 0.8758% | 2,348 |
| Net interest margin | 3.2145% | 5,663 |
| Noninterest income to average assets | 0.4837% | 4,032 |
| Noninterest expense to average assets | 1.9804% | 6,381 |
| Loan and lease loss provision to assets | 0.1953% | 3,135 |
| Net operating income to assets | 1.3272% | 1,381 |
| Return on assets (ROA) | 1.3876% | 1,378 |
| Pretax return on assets | 1.4037% | 2,222 |
| Return on Equity (ROE) | 18.1816% | 482 |
| Retained earnings to average equity (ytd only) | 6.7045% | 2,278 |
| Net charge-offs to loans | 0.1242% | 4,134 |
| Credit loss provision to net charge-offs | 214.2857% | 1,297 |
| Earnings coverage of net charge-offs (x) | 16.8784% | 1,653 |
| Efficiency ratio | 56.2878% | 6,021 |
| Assets per employee ($millions) | 8.3146% | 424 |
| Cash dividends to net income (ytd only)* | 63.1247% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 5,056 |
| Loan loss allowance to noncurrent loans | 1,098.4530% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 6,519 |
| Noncurrent loans to loans | 0.1136% | 6,326 |
| Net loans and leases to total assets | 74.5268% | 1,168 |
| Net loans and leases to deposits | 87.9178% | 1,365 |
| Net loans and leases to core deposits | 98.2239% | 1,250 |
| Total domestic deposits to total assets | 84.7688% | 3,852 |
| Equity capital to assets | 7.7084% | 6,712 |
| Core capital (leverage) ratio | 7.4746% | 6,635 |
| Tier 1 risk-based capital ratio | 9.6774% | 6,875 |
| Total risk-based capital ratio | 10.9045% | 6,865 |
| Memoranda: | ||
| Average total assets | $1,034,496,000 | 641 |
| Average earning assets | $976,625,500 | 607 |
| Average equity | $78,949,500 | 892 |
| Average total loans | $758,733,250 | 538 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 5,386 |
| Cost of funding earning assets | 0.8986% | 2,406 |
| Net interest margin | 3.1831% | 5,791 |
| Noninterest income to average assets | 0.5151% | 3,817 |
| Noninterest expense to average assets | 1.9353% | 6,538 |
| Loan and lease loss provision to assets | 0.2167% | 2,906 |
| Net operating income to assets | 1.3455% | 1,317 |
| Return on assets (ROA) | 1.3760% | 1,402 |
| Pretax return on assets | 1.3915% | 2,231 |
| Return on Equity (ROE) | 18.0921% | 494 |
| Retained earnings to average equity (ytd only) | 3.8959% | 4,020 |
| Net charge-offs to loans | 0.1815% | 3,505 |
| Credit loss provision to net charge-offs | 164.4018% | 1,694 |
| Earnings coverage of net charge-offs (x) | 11.9690% | 1,924 |
| Efficiency ratio | 55.0931% | 6,217 |
| Assets per employee ($millions) | 8.1330% | 442 |
| Cash dividends to net income (ytd only)* | 78.4663% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 5,205 |
| Loan loss allowance to noncurrent loans | 975.4332% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 5,873 |
| Noncurrent loans to loans | 0.1261% | 6,350 |
| Net loans and leases to total assets | 73.7868% | 1,285 |
| Net loans and leases to deposits | 86.9746% | 1,482 |
| Net loans and leases to core deposits | 96.9362% | 1,356 |
| Total domestic deposits to total assets | 84.8372% | 3,936 |
| Equity capital to assets | 7.5591% | 6,781 |
| Core capital (leverage) ratio | 7.3510% | 6,688 |
| Tier 1 risk-based capital ratio | 9.5484% | 6,920 |
| Total risk-based capital ratio | 10.7514% | 6,916 |
| Memoranda: | ||
| Average total assets | $1,027,344,330 | 645 |
| Average earning assets | $967,474,000 | 615 |
| Average equity | $78,133,670 | 894 |
| Average total loans | $746,008,330 | 549 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 5,395 |
| Cost of funding earning assets | 0.9146% | 2,573 |
| Net interest margin | 3.2016% | 5,778 |
| Noninterest income to average assets | 0.5793% | 3,353 |
| Noninterest expense to average assets | 1.9136% | 6,620 |
| Loan and lease loss provision to assets | 0.2626% | 2,359 |
| Net operating income to assets | 1.3964% | 1,230 |
| Return on assets (ROA) | 1.4569% | 1,236 |
| Pretax return on assets | 1.4706% | 1,961 |
| Return on Equity (ROE) | 19.0972% | 446 |
| Retained earnings to average equity (ytd only) | 5.6053% | 3,198 |
| Net charge-offs to loans | 0.3364% | 2,311 |
| Credit loss provision to net charge-offs | 109.1205% | 2,142 |
| Earnings coverage of net charge-offs (x) | 6.9479% | 2,136 |
| Efficiency ratio | 53.3669% | 6,404 |
| Assets per employee ($millions) | 8.1526% | 442 |
| Cash dividends to net income (ytd only)* | 70.6484% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 5,247 |
| Loan loss allowance to noncurrent loans | 224.6150% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 5,741 |
| Noncurrent loans to loans | 0.5564% | 5,549 |
| Net loans and leases to total assets | 70.6792% | 1,637 |
| Net loans and leases to deposits | 83.6482% | 1,708 |
| Net loans and leases to core deposits | 92.8150% | 1,570 |
| Total domestic deposits to total assets | 84.4958% | 4,274 |
| Equity capital to assets | 7.6182% | 6,727 |
| Core capital (leverage) ratio | 7.5151% | 6,622 |
| Tier 1 risk-based capital ratio | 10.0031% | 6,879 |
| Total risk-based capital ratio | 11.2202% | 6,884 |
| Memoranda: | ||
| Average total assets | $1,020,501,500 | 654 |
| Average earning assets | $958,257,500 | 625 |
| Average equity | $77,854,500 | 896 |
| Average total loans | $730,156,500 | 559 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 6,041 |
| Cost of funding earning assets | 1.1153% | 2,572 |
| Net interest margin | 3.0877% | 6,370 |
| Noninterest income to average assets | 0.5338% | 3,625 |
| Noninterest expense to average assets | 1.8666% | 6,867 |
| Loan and lease loss provision to assets | 0.3499% | 2,901 |
| Net operating income to assets | 1.2215% | 1,457 |
| Return on assets (ROA) | 1.2765% | 1,404 |
| Pretax return on assets | 1.2844% | 2,193 |
| Return on Equity (ROE) | 17.3628% | 439 |
| Retained earnings to average equity (ytd only) | 9.6679% | 637 |
| Net charge-offs to loans | 0.4109% | 3,370 |
| Credit loss provision to net charge-offs | 122.6509% | 2,577 |
| Earnings coverage of net charge-offs (x) | 5.5334% | 2,760 |
| Efficiency ratio | 54.1775% | 6,495 |
| Assets per employee ($millions) | 8.3097% | 420 |
| Cash dividends to net income (ytd only)* | 44.3185% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 5,114 |
| Loan loss allowance to noncurrent loans | 187.3052% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 5,644 |
| Noncurrent loans to loans | 0.6725% | 5,350 |
| Net loans and leases to total assets | 70.6226% | 1,898 |
| Net loans and leases to deposits | 83.5780% | 1,975 |
| Net loans and leases to core deposits | 92.0844% | 1,877 |
| Total domestic deposits to total assets | 84.4991% | 4,098 |
| Equity capital to assets | 7.6400% | 6,754 |
| Core capital (leverage) ratio | 7.4715% | 6,664 |
| Tier 1 risk-based capital ratio | 10.0291% | 6,850 |
| Total risk-based capital ratio | 11.2598% | 6,845 |
| Memoranda: | ||
| Average total assets | $981,025,800 | 667 |
| Average earning assets | $925,060,600 | 644 |
| Average equity | $72,125,400 | 935 |
| Average total loans | $681,224,400 | 606 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 6,217 |
| Cost of funding earning assets | 1.1547% | 2,606 |
| Net interest margin | 3.0401% | 6,508 |
| Noninterest income to average assets | 0.4571% | 4,244 |
| Noninterest expense to average assets | 1.8694% | 6,893 |
| Loan and lease loss provision to assets | 0.2686% | 3,356 |
| Net operating income to assets | 1.1781% | 1,718 |
| Return on assets (ROA) | 1.2451% | 1,635 |
| Pretax return on assets | 1.2557% | 2,441 |
| Return on Equity (ROE) | 17.1104% | 553 |
| Retained earnings to average equity (ytd only) | 6.6577% | 2,159 |
| Net charge-offs to loans | 0.0048% | 6,121 |
| Credit loss provision to net charge-offs | 8,166.6667% | 36 |
| Earnings coverage of net charge-offs (x) | 442.8222% | 81 |
| Efficiency ratio | 56.2057% | 6,250 |
| Assets per employee ($millions) | 8.5024% | 395 |
| Cash dividends to net income (ytd only)* | 61.0898% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 4,265 |
| Loan loss allowance to noncurrent loans | 181.4783% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 5,433 |
| Noncurrent loans to loans | 0.8076% | 5,253 |
| Net loans and leases to total assets | 71.1275% | 1,878 |
| Net loans and leases to deposits | 84.3194% | 1,947 |
| Net loans and leases to core deposits | 93.3355% | 1,845 |
| Total domestic deposits to total assets | 84.3548% | 4,077 |
| Equity capital to assets | 7.5551% | 6,917 |
| Core capital (leverage) ratio | 7.2914% | 6,861 |
| Tier 1 risk-based capital ratio | 9.8808% | 6,987 |
| Total risk-based capital ratio | 11.1333% | 6,972 |
| Memoranda: | ||
| Average total assets | $972,837,250 | 681 |
| Average earning assets | $918,062,000 | 650 |
| Average equity | $70,793,500 | 960 |
| Average total loans | $670,257,750 | 622 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 6,422 |
| Cost of funding earning assets | 1.1955% | 2,607 |
| Net interest margin | 2.9349% | 6,728 |
| Noninterest income to average assets | 0.4393% | 4,351 |
| Noninterest expense to average assets | 1.8506% | 7,014 |
| Loan and lease loss provision to assets | 0.2964% | 3,030 |
| Net operating income to assets | 1.0468% | 2,048 |
| Return on assets (ROA) | 1.0917% | 1,991 |
| Pretax return on assets | 1.1076% | 2,821 |
| Return on Equity (ROE) | 15.1998% | 762 |
| Retained earnings to average equity (ytd only) | 2.6915% | 4,579 |
| Net charge-offs to loans | -0.0250% | 6,878 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6651% | 6,207 |
| Assets per employee ($millions) | 8.4059% | 400 |
| Cash dividends to net income (ytd only)* | 82.2928% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 4,339 |
| Loan loss allowance to noncurrent loans | 167.8565% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 5,448 |
| Noncurrent loans to loans | 0.8646% | 5,222 |
| Net loans and leases to total assets | 69.7482% | 2,274 |
| Net loans and leases to deposits | 82.6048% | 2,356 |
| Net loans and leases to core deposits | 92.5433% | 2,069 |
| Total domestic deposits to total assets | 84.4360% | 4,154 |
| Equity capital to assets | 7.3518% | 7,015 |
| Core capital (leverage) ratio | 7.0406% | 6,982 |
| Tier 1 risk-based capital ratio | 9.7180% | 7,051 |
| Total risk-based capital ratio | 10.8712% | 7,084 |
| Memoranda: | ||
| Average total assets | $968,357,330 | 692 |
| Average earning assets | $913,898,000 | 662 |
| Average equity | $69,553,330 | 975 |
| Average total loans | $656,360,670 | 648 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 6,535 |
| Cost of funding earning assets | 1.2451% | 2,533 |
| Net interest margin | 2.8389% | 6,848 |
| Noninterest income to average assets | 0.4647% | 4,152 |
| Noninterest expense to average assets | 1.8160% | 7,118 |
| Loan and lease loss provision to assets | 0.1086% | 4,654 |
| Net operating income to assets | 1.1887% | 1,552 |
| Return on assets (ROA) | 1.2240% | 1,522 |
| Pretax return on assets | 1.2560% | 2,177 |
| Return on Equity (ROE) | 17.2471% | 542 |
| Retained earnings to average equity (ytd only) | 4.9820% | 3,206 |
| Net charge-offs to loans | 0.0150% | 4,873 |
| Credit loss provision to net charge-offs | 1,091.6667% | 352 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 238 |
| Efficiency ratio | 57.7587% | 6,294 |
| Assets per employee ($millions) | 8.4464% | 405 |
| Cash dividends to net income (ytd only)* | 71.1141% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 4,792 |
| Loan loss allowance to noncurrent loans | 148.1350% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 5,493 |
| Noncurrent loans to loans | 0.9275% | 5,177 |
| Net loans and leases to total assets | 64.0078% | 3,439 |
| Net loans and leases to deposits | 75.5330% | 3,489 |
| Net loans and leases to core deposits | 84.8750% | 3,050 |
| Total domestic deposits to total assets | 84.7415% | 4,152 |
| Equity capital to assets | 7.0280% | 7,075 |
| Core capital (leverage) ratio | 7.0845% | 6,965 |
| Tier 1 risk-based capital ratio | 10.1390% | 6,954 |
| Total risk-based capital ratio | 11.3895% | 6,955 |
| Memoranda: | ||
| Average total assets | $964,995,000 | 698 |
| Average earning assets | $910,764,000 | 667 |
| Average equity | $68,487,000 | 979 |
| Average total loans | $639,482,000 | 669 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 6,482 |
| Cost of funding earning assets | 1.6031% | 2,053 |
| Net interest margin | 2.8613% | 6,956 |
| Noninterest income to average assets | 0.5852% | 3,561 |
| Noninterest expense to average assets | 1.9621% | 7,081 |
| Loan and lease loss provision to assets | 0.3079% | 4,338 |
| Net operating income to assets | 0.9965% | 2,051 |
| Return on assets (ROA) | 1.1566% | 1,606 |
| Pretax return on assets | 1.1612% | 2,359 |
| Return on Equity (ROE) | 16.2978% | 552 |
| Retained earnings to average equity (ytd only) | 12.2254% | 256 |
| Net charge-offs to loans | 0.2707% | 4,672 |
| Credit loss provision to net charge-offs | 167.8330% | 2,026 |
| Earnings coverage of net charge-offs (x) | 7.1351% | 2,194 |
| Efficiency ratio | 59.9814% | 6,050 |
| Assets per employee ($millions) | 8.1915% | 454 |
| Cash dividends to net income (ytd only)* | 24.9878% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,894 |
| Loan loss allowance to noncurrent loans | 146.6356% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 5,538 |
| Noncurrent loans to loans | 0.9013% | 5,256 |
| Net loans and leases to total assets | 66.7844% | 3,282 |
| Net loans and leases to deposits | 79.1741% | 3,311 |
| Net loans and leases to core deposits | 90.2355% | 2,733 |
| Total domestic deposits to total assets | 84.3513% | 4,200 |
| Equity capital to assets | 7.1684% | 7,050 |
| Core capital (leverage) ratio | 7.2128% | 6,901 |
| Tier 1 risk-based capital ratio | 10.4878% | 6,710 |
| Total risk-based capital ratio | 11.7402% | 6,685 |
| Memoranda: | ||
| Average total assets | $887,872,200 | 759 |
| Average earning assets | $833,462,200 | 731 |
| Average equity | $63,008,400 | 1,064 |
| Average total loans | $601,800,400 | 740 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 6,672 |
| Cost of funding earning assets | 1.6642% | 2,029 |
| Net interest margin | 2.8048% | 7,127 |
| Noninterest income to average assets | 0.5065% | 4,130 |
| Noninterest expense to average assets | 1.9495% | 7,137 |
| Loan and lease loss provision to assets | 0.3121% | 4,081 |
| Net operating income to assets | 0.8713% | 2,726 |
| Return on assets (ROA) | 1.0165% | 2,295 |
| Pretax return on assets | 1.0227% | 3,102 |
| Return on Equity (ROE) | 14.3629% | 961 |
| Retained earnings to average equity (ytd only) | 8.8207% | 1,113 |
| Net charge-offs to loans | 0.2484% | 4,448 |
| Credit loss provision to net charge-offs | 185.2995% | 1,951 |
| Earnings coverage of net charge-offs (x) | 7.0544% | 2,394 |
| Efficiency ratio | 62.1298% | 5,600 |
| Assets per employee ($millions) | 7.9406% | 520 |
| Cash dividends to net income (ytd only)* | 38.5865% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,882 |
| Loan loss allowance to noncurrent loans | 112.4090% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 5,449 |
| Noncurrent loans to loans | 1.1687% | 4,913 |
| Net loans and leases to total assets | 67.9689% | 3,224 |
| Net loans and leases to deposits | 80.7579% | 3,312 |
| Net loans and leases to core deposits | 93.5077% | 2,592 |
| Total domestic deposits to total assets | 84.1639% | 4,024 |
| Equity capital to assets | 7.0165% | 7,339 |
| Core capital (leverage) ratio | 6.7117% | 7,284 |
| Tier 1 risk-based capital ratio | 9.9036% | 7,114 |
| Total risk-based capital ratio | 11.1565% | 7,103 |
| Memoranda: | ||
| Average total assets | $872,287,000 | 773 |
| Average earning assets | $818,298,500 | 742 |
| Average equity | $61,731,750 | 1,089 |
| Average total loans | $591,477,250 | 758 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 6,821 |
| Cost of funding earning assets | 1.7021% | 2,112 |
| Net interest margin | 2.7390% | 7,212 |
| Noninterest income to average assets | 0.4061% | 4,860 |
| Noninterest expense to average assets | 1.9757% | 7,148 |
| Loan and lease loss provision to assets | 0.3199% | 3,823 |
| Net operating income to assets | 0.6741% | 3,514 |
| Return on assets (ROA) | 0.8848% | 2,727 |
| Pretax return on assets | 0.8944% | 3,519 |
| Return on Equity (ROE) | 12.4643% | 1,357 |
| Retained earnings to average equity (ytd only) | 4.8415% | 2,988 |
| Net charge-offs to loans | 0.3261% | 3,693 |
| Credit loss provision to net charge-offs | 145.4835% | 2,726 |
| Earnings coverage of net charge-offs (x) | 4.5547% | 2,916 |
| Efficiency ratio | 66.3632% | 4,916 |
| Assets per employee ($millions) | 7.6954% | 568 |
| Cash dividends to net income (ytd only)* | 61.1566% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 4,865 |
| Loan loss allowance to noncurrent loans | 76.5362% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 4,806 |
| Noncurrent loans to loans | 1.7091% | 4,122 |
| Net loans and leases to total assets | 66.1128% | 3,810 |
| Net loans and leases to deposits | 78.7314% | 3,843 |
| Net loans and leases to core deposits | 91.6035% | 3,042 |
| Total domestic deposits to total assets | 83.9726% | 4,117 |
| Equity capital to assets | 6.9102% | 7,379 |
| Core capital (leverage) ratio | 6.7032% | 7,324 |
| Tier 1 risk-based capital ratio | 9.9433% | 7,059 |
| Total risk-based capital ratio | 11.1959% | 7,031 |
| Memoranda: | ||
| Average total assets | $856,013,000 | 789 |
| Average earning assets | $803,499,000 | 756 |
| Average equity | $60,765,670 | 1,097 |
| Average total loans | $577,169,000 | 791 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 6,827 |
| Cost of funding earning assets | 1.7440% | 2,155 |
| Net interest margin | 2.7356% | 7,259 |
| Noninterest income to average assets | 0.4083% | 4,841 |
| Noninterest expense to average assets | 1.9325% | 7,282 |
| Loan and lease loss provision to assets | 0.1877% | 4,628 |
| Net operating income to assets | 0.8408% | 2,788 |
| Return on assets (ROA) | 1.1388% | 1,787 |
| Pretax return on assets | 1.1584% | 2,519 |
| Return on Equity (ROE) | 15.8193% | 745 |
| Retained earnings to average equity (ytd only) | 11.1896% | 881 |
| Net charge-offs to loans | 0.2237% | 3,591 |
| Credit loss provision to net charge-offs | 123.9748% | 2,830 |
| Earnings coverage of net charge-offs (x) | 6.8833% | 2,153 |
| Efficiency ratio | 64.9703% | 5,313 |
| Assets per employee ($millions) | 7.3514% | 702 |
| Cash dividends to net income (ytd only)* | 29.2662% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,867 |
| Loan loss allowance to noncurrent loans | 75.1509% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.3577% | 4,479 |
| Noncurrent loans to loans | 1.7458% | 4,131 |
| Net loans and leases to total assets | 66.4626% | 3,755 |
| Net loans and leases to deposits | 79.2526% | 3,790 |
| Net loans and leases to core deposits | 93.7272% | 2,874 |
| Total domestic deposits to total assets | 83.8618% | 4,210 |
| Equity capital to assets | 7.1999% | 7,283 |
| Core capital (leverage) ratio | 6.9780% | 7,268 |
| Tier 1 risk-based capital ratio | 10.5098% | 6,622 |
| Total risk-based capital ratio | 11.7618% | 6,613 |
| Memoranda: | ||
| Average total assets | $837,687,500 | 824 |
| Average earning assets | $785,789,000 | 791 |
| Average equity | $60,306,000 | 1,105 |
| Average total loans | $566,760,000 | 825 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 6,788 |
| Cost of funding earning assets | 2.0969% | 2,474 |
| Net interest margin | 2.7704% | 7,106 |
| Noninterest income to average assets | 0.5692% | 3,870 |
| Noninterest expense to average assets | 1.8838% | 7,527 |
| Loan and lease loss provision to assets | 0.3641% | 4,616 |
| Net operating income to assets | 0.9204% | 2,104 |
| Return on assets (ROA) | 0.9212% | 2,169 |
| Pretax return on assets | 0.9308% | 2,823 |
| Return on Equity (ROE) | 12.2186% | 1,105 |
| Retained earnings to average equity (ytd only) | 2.1069% | 3,630 |
| Net charge-offs to loans | 0.4865% | 3,825 |
| Credit loss provision to net charge-offs | 105.0037% | 5,266 |
| Earnings coverage of net charge-offs (x) | 3.7324% | 3,224 |
| Efficiency ratio | 59.2769% | 6,584 |
| Assets per employee ($millions) | 7.1548% | 752 |
| Cash dividends to net income (ytd only)* | 82.7567% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,695 |
| Loan loss allowance to noncurrent loans | 131.7299% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8534% | 5,399 |
| Noncurrent loans to loans | 0.9949% | 5,326 |
| Net loans and leases to total assets | 67.0841% | 3,904 |
| Net loans and leases to deposits | 80.1790% | 3,958 |
| Net loans and leases to core deposits | 107.1296% | 3,201 |
| Total domestic deposits to total assets | 83.6679% | 4,191 |
| Equity capital to assets | 7.1983% | 7,262 |
| Core capital (leverage) ratio | 6.9734% | 7,263 |
| Tier 1 risk-based capital ratio | 10.1596% | 6,724 |
| Total risk-based capital ratio | 11.4122% | 6,694 |
| Memoranda: | ||
| Average total assets | $778,112,600 | 878 |
| Average earning assets | $732,717,600 | 850 |
| Average equity | $58,664,800 | 1,130 |
| Average total loans | $554,561,600 | 866 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 6,840 |
| Cost of funding earning assets | 2.1785% | 2,509 |
| Net interest margin | 2.7390% | 7,152 |
| Noninterest income to average assets | 0.6116% | 3,609 |
| Noninterest expense to average assets | 1.8961% | 7,551 |
| Loan and lease loss provision to assets | 0.1828% | 5,534 |
| Net operating income to assets | 1.1018% | 1,727 |
| Return on assets (ROA) | 1.1028% | 1,779 |
| Pretax return on assets | 1.1159% | 2,513 |
| Return on Equity (ROE) | 14.4506% | 845 |
| Retained earnings to average equity (ytd only) | 1.3859% | 4,545 |
| Net charge-offs to loans | 0.2601% | 4,423 |
| Credit loss provision to net charge-offs | 97.4002% | 5,242 |
| Earnings coverage of net charge-offs (x) | 6.9146% | 2,516 |
| Efficiency ratio | 59.3682% | 6,505 |
| Assets per employee ($millions) | 6.8849% | 829 |
| Cash dividends to net income (ytd only)* | 90.4092% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,284 |
| Loan loss allowance to noncurrent loans | 86.3506% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 4,981 |
| Noncurrent loans to loans | 1.5467% | 4,324 |
| Net loans and leases to total assets | 66.8830% | 4,218 |
| Net loans and leases to deposits | 80.6065% | 4,277 |
| Net loans and leases to core deposits | 107.3895% | 3,547 |
| Total domestic deposits to total assets | 82.9747% | 4,234 |
| Equity capital to assets | 7.4676% | 7,320 |
| Core capital (leverage) ratio | 7.1301% | 7,332 |
| Tier 1 risk-based capital ratio | 10.3434% | 6,630 |
| Total risk-based capital ratio | 11.5855% | 6,579 |
| Memoranda: | ||
| Average total assets | $765,150,500 | 909 |
| Average earning assets | $721,324,000 | 876 |
| Average equity | $58,395,250 | 1,146 |
| Average total loans | $552,160,500 | 885 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9939% | 6,793 |
| Cost of funding earning assets | 2.2318% | 2,658 |
| Net interest margin | 2.7621% | 7,083 |
| Noninterest income to average assets | 0.6894% | 3,061 |
| Noninterest expense to average assets | 1.9435% | 7,563 |
| Loan and lease loss provision to assets | 0.0003% | 7,156 |
| Net operating income to assets | 1.3274% | 1,166 |
| Return on assets (ROA) | 1.3289% | 1,238 |
| Pretax return on assets | 1.3488% | 1,876 |
| Return on Equity (ROE) | 17.2817% | 557 |
| Retained earnings to average equity (ytd only) | 0.9003% | 4,819 |
| Net charge-offs to loans | 0.0068% | 6,501 |
| Credit loss provision to net charge-offs | 5.2632% | 6,218 |
| Earnings coverage of net charge-offs (x) | 267.3684% | 149 |
| Efficiency ratio | 59.0554% | 6,685 |
| Assets per employee ($millions) | 6.6906% | 891 |
| Cash dividends to net income (ytd only)* | 94.7904% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 4,064 |
| Loan loss allowance to noncurrent loans | 225.2956% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 6,430 |
| Noncurrent loans to loans | 0.5930% | 6,069 |
| Net loans and leases to total assets | 68.9028% | 3,970 |
| Net loans and leases to deposits | 83.2970% | 3,996 |
| Net loans and leases to core deposits | 110.7774% | 3,293 |
| Total domestic deposits to total assets | 82.7193% | 4,375 |
| Equity capital to assets | 7.4493% | 7,310 |
| Core capital (leverage) ratio | 7.2907% | 7,253 |
| Tier 1 risk-based capital ratio | 10.4708% | 6,403 |
| Total risk-based capital ratio | 11.7222% | 6,347 |
| Memoranda: | ||
| Average total assets | $753,983,000 | 931 |
| Average earning assets | $710,187,670 | 903 |
| Average equity | $57,980,330 | 1,169 |
| Average total loans | $555,749,330 | 901 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0425% | 6,822 |
| Cost of funding earning assets | 2.2595% | 2,889 |
| Net interest margin | 2.7830% | 7,027 |
| Noninterest income to average assets | 0.6827% | 2,986 |
| Noninterest expense to average assets | 1.8844% | 7,574 |
| Loan and lease loss provision to assets | -0.0016% | 8,163 |
| Net operating income to assets | 1.3816% | 1,179 |
| Return on assets (ROA) | 1.3816% | 1,271 |
| Pretax return on assets | 1.4220% | 1,905 |
| Return on Equity (ROE) | 17.6772% | 616 |
| Retained earnings to average equity (ytd only) | 5.9452% | 2,657 |
| Net charge-offs to loans | -0.0036% | 7,149 |
| Credit loss provision to net charge-offs | 60.0000% | 4,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0218% | 6,822 |
| Assets per employee ($millions) | 6.5035% | 956 |
| Cash dividends to net income (ytd only)* | 66.3679% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 3,932 |
| Loan loss allowance to noncurrent loans | 200.6910% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 6,050 |
| Noncurrent loans to loans | 0.6607% | 5,750 |
| Net loans and leases to total assets | 71.6256% | 3,317 |
| Net loans and leases to deposits | 87.2649% | 3,426 |
| Net loans and leases to core deposits | 116.2572% | 2,777 |
| Total domestic deposits to total assets | 82.0784% | 4,514 |
| Equity capital to assets | 7.7669% | 7,106 |
| Core capital (leverage) ratio | 7.5895% | 7,041 |
| Tier 1 risk-based capital ratio | 10.6439% | 6,240 |
| Total risk-based capital ratio | 11.8955% | 6,160 |
| Memoranda: | ||
| Average total assets | $742,922,500 | 943 |
| Average earning assets | $699,967,500 | 912 |
| Average equity | $58,063,500 | 1,169 |
| Average total loans | $562,625,000 | 893 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8799% | 6,136 |
| Cost of funding earning assets | 2.6585% | 3,379 |
| Net interest margin | 3.2213% | 6,303 |
| Noninterest income to average assets | 0.4610% | 4,959 |
| Noninterest expense to average assets | 1.8770% | 7,655 |
| Loan and lease loss provision to assets | 0.0659% | 6,566 |
| Net operating income to assets | 1.5357% | 951 |
| Return on assets (ROA) | 1.5350% | 921 |
| Pretax return on assets | 1.5416% | 1,558 |
| Return on Equity (ROE) | 19.8638% | 388 |
| Retained earnings to average equity (ytd only) | 9.1516% | 583 |
| Net charge-offs to loans | 0.0232% | 6,527 |
| Credit loss provision to net charge-offs | 358.1395% | 1,243 |
| Earnings coverage of net charge-offs (x) | 87.3488% | 483 |
| Efficiency ratio | 53.8556% | 7,282 |
| Assets per employee ($millions) | 6.3055% | 989 |
| Cash dividends to net income (ytd only)* | 53.9284% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,071 |
| Loan loss allowance to noncurrent loans | 322.7657% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 6,366 |
| Noncurrent loans to loans | 0.3893% | 6,175 |
| Net loans and leases to total assets | 77.9808% | 2,142 |
| Net loans and leases to deposits | 95.4656% | 2,534 |
| Net loans and leases to core deposits | 127.2812% | 2,061 |
| Total domestic deposits to total assets | 81.6847% | 4,328 |
| Equity capital to assets | 7.8657% | 7,021 |
| Core capital (leverage) ratio | 7.7512% | 6,863 |
| Tier 1 risk-based capital ratio | 10.0524% | 6,681 |
| Total risk-based capital ratio | 11.3049% | 6,556 |
| Memoranda: | ||
| Average total assets | $700,654,400 | 957 |
| Average earning assets | $657,771,400 | 924 |
| Average equity | $54,143,800 | 1,245 |
| Average total loans | $555,772,400 | 860 |