Home > Central Bank of Boone County > Performance and Condition Ratios
Central Bank of Boone County, Performance and Condition Ratios
| 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 | 2.3550% | 4,651 |
| Cost of funding earning assets | 0.0992% | 4,513 |
| Net interest margin | 2.2558% | 4,522 |
| Noninterest income to average assets | 1.4070% | 605 |
| Noninterest expense to average assets | 1.9079% | 3,926 |
| Loan and lease loss provision to assets | 0.0202% | 2,592 |
| Net operating income to assets | 1.2561% | 1,965 |
| Return on assets (ROA) | 1.2609% | 2,009 |
| Pretax return on assets | 1.6429% | 1,574 |
| Return on Equity (ROE) | 15.6559% | 1,011 |
| Retained earnings to average equity (ytd only) | 13.2340% | 605 |
| Net charge-offs to loans | 0.0079% | 2,021 |
| Credit loss provision to net charge-offs | 509.8765% | 752 |
| Earnings coverage of net charge-offs (x) | 419.5062% | 343 |
| Efficiency ratio | 53.5189% | 3,867 |
| Assets per employee ($millions) | 8.3623% | 1,108 |
| Cash dividends to net income (ytd only)* | 15.4697% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 1,661 |
| Loan loss allowance to noncurrent loans | 2,249.8313% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,951 |
| Noncurrent loans to loans | 0.0663% | 3,765 |
| Net loans and leases to total assets | 47.1217% | 3,702 |
| Net loans and leases to deposits | 58.5092% | 3,365 |
| Net loans and leases to core deposits | 59.5816% | 3,499 |
| Total domestic deposits to total assets | 80.5371% | 4,160 |
| Equity capital to assets | 8.3078% | 4,339 |
| Core capital (leverage) ratio | 8.0015% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7575% | 1,697 |
| Memoranda: | ||
| Average total assets | $2,734,154,500 | 406 |
| Average earning assets | $2,615,535,750 | 392 |
| Average equity | $220,205,750 | 501 |
| Average total loans | $1,361,669,000 | 512 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3624% | 4,690 |
| Cost of funding earning assets | 0.1056% | 4,535 |
| Net interest margin | 2.2568% | 4,560 |
| Noninterest income to average assets | 1.3580% | 642 |
| Noninterest expense to average assets | 1.9047% | 3,953 |
| Loan and lease loss provision to assets | 0.0233% | 2,504 |
| Net operating income to assets | 1.2178% | 2,119 |
| Return on assets (ROA) | 1.2244% | 2,167 |
| Pretax return on assets | 1.5961% | 1,742 |
| Return on Equity (ROE) | 15.3691% | 1,074 |
| Retained earnings to average equity (ytd only) | 11.6659% | 984 |
| Net charge-offs to loans | -0.0292% | 4,146 |
| Credit loss provision to net charge-offs | -158.0000% | 3,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1755% | 3,777 |
| Assets per employee ($millions) | 8.2230% | 1,109 |
| Cash dividends to net income (ytd only)* | 24.0949% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 1,624 |
| Loan loss allowance to noncurrent loans | 3,134.3168% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,101 |
| Noncurrent loans to loans | 0.0475% | 3,942 |
| Net loans and leases to total assets | 49.7914% | 3,573 |
| Net loans and leases to deposits | 62.0067% | 3,205 |
| Net loans and leases to core deposits | 63.3707% | 3,346 |
| Total domestic deposits to total assets | 80.3000% | 4,191 |
| Equity capital to assets | 8.2461% | 4,401 |
| Core capital (leverage) ratio | 7.8560% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8576% | 2,020 |
| Memoranda: | ||
| Average total assets | $2,711,753,667 | 407 |
| Average earning assets | $2,592,856,000 | 393 |
| Average equity | $216,031,000 | 503 |
| Average total loans | $1,368,876,333 | 512 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3882% | 4,719 |
| Cost of funding earning assets | 0.1152% | 4,549 |
| Net interest margin | 2.2729% | 4,547 |
| Noninterest income to average assets | 1.3072% | 748 |
| Noninterest expense to average assets | 1.8663% | 4,065 |
| Loan and lease loss provision to assets | 0.0362% | 2,292 |
| Net operating income to assets | 1.2115% | 2,100 |
| Return on assets (ROA) | 1.2115% | 2,187 |
| Pretax return on assets | 1.5773% | 1,786 |
| Return on Equity (ROE) | 15.4740% | 1,118 |
| Retained earnings to average equity (ytd only) | 15.4740% | 577 |
| Net charge-offs to loans | -0.0195% | 3,984 |
| Credit loss provision to net charge-offs | -368.6567% | 3,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6331% | 3,829 |
| Assets per employee ($millions) | 8.4129% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 1,781 |
| Loan loss allowance to noncurrent loans | 2,689.5020% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,167 |
| Noncurrent loans to loans | 0.0539% | 4,020 |
| Net loans and leases to total assets | 50.6373% | 3,572 |
| Net loans and leases to deposits | 62.2699% | 3,299 |
| Net loans and leases to core deposits | 63.6918% | 3,442 |
| Total domestic deposits to total assets | 81.3190% | 4,011 |
| Equity capital to assets | 8.0631% | 4,454 |
| Core capital (leverage) ratio | 7.6438% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3513% | 2,140 |
| Memoranda: | ||
| Average total assets | $2,727,274,500 | 402 |
| Average earning assets | $2,606,841,500 | 388 |
| Average equity | $213,519,500 | 499 |
| Average total loans | $1,375,840,000 | 513 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9505% | 4,670 |
| Cost of funding earning assets | 0.2009% | 4,584 |
| Net interest margin | 2.7496% | 4,324 |
| Noninterest income to average assets | 1.4841% | 552 |
| Noninterest expense to average assets | 2.0955% | 3,942 |
| Loan and lease loss provision to assets | 0.1265% | 2,778 |
| Net operating income to assets | 1.4460% | 926 |
| Return on assets (ROA) | 1.4461% | 1,006 |
| Pretax return on assets | 1.8662% | 590 |
| Return on Equity (ROE) | 16.8369% | 428 |
| Retained earnings to average equity (ytd only) | 9.8217% | 623 |
| Net charge-offs to loans | 0.1188% | 1,301 |
| Credit loss provision to net charge-offs | 185.7233% | 2,233 |
| Earnings coverage of net charge-offs (x) | 29.2489% | 1,632 |
| Efficiency ratio | 51.2575% | 4,446 |
| Assets per employee ($millions) | 8.5520% | 879 |
| Cash dividends to net income (ytd only)* | 41.6654% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,841 |
| Loan loss allowance to noncurrent loans | 1,937.8325% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,176 |
| Noncurrent loans to loans | 0.0739% | 3,997 |
| Net loans and leases to total assets | 48.8325% | 3,917 |
| Net loans and leases to deposits | 60.3579% | 3,727 |
| Net loans and leases to core deposits | 61.6399% | 3,849 |
| Total domestic deposits to total assets | 80.9050% | 3,890 |
| Equity capital to assets | 7.6023% | 4,821 |
| Core capital (leverage) ratio | 7.8370% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0375% | 2,222 |
| Memoranda: | ||
| Average total assets | $2,323,595,600 | 421 |
| Average earning assets | $2,200,532,400 | 405 |
| Average equity | $199,568,200 | 504 |
| Average total loans | $1,332,519,200 | 501 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1428% | 4,639 |
| Cost of funding earning assets | 0.2299% | 4,571 |
| Net interest margin | 2.9129% | 4,159 |
| Noninterest income to average assets | 1.4820% | 533 |
| Noninterest expense to average assets | 2.1886% | 3,708 |
| Loan and lease loss provision to assets | 0.1498% | 2,524 |
| Net operating income to assets | 1.4716% | 959 |
| Return on assets (ROA) | 1.4717% | 1,043 |
| Pretax return on assets | 1.8975% | 634 |
| Return on Equity (ROE) | 16.5404% | 488 |
| Retained earnings to average equity (ytd only) | 10.4429% | 683 |
| Net charge-offs to loans | 0.1427% | 1,025 |
| Credit loss provision to net charge-offs | 175.6184% | 2,199 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,773 |
| Efficiency ratio | 51.6694% | 4,366 |
| Assets per employee ($millions) | 7.4848% | 1,224 |
| Cash dividends to net income (ytd only)* | 36.8641% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 1,648 |
| Loan loss allowance to noncurrent loans | 1,799.6286% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 4,220 |
| Noncurrent loans to loans | 0.0789% | 4,054 |
| Net loans and leases to total assets | 56.6774% | 3,552 |
| Net loans and leases to deposits | 72.8956% | 3,047 |
| Net loans and leases to core deposits | 74.7938% | 3,255 |
| Total domestic deposits to total assets | 77.7514% | 4,235 |
| Equity capital to assets | 8.7240% | 4,311 |
| Core capital (leverage) ratio | 8.4045% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1435% | 2,134 |
| Memoranda: | ||
| Average total assets | $2,211,784,000 | 432 |
| Average earning assets | $2,090,965,250 | 420 |
| Average equity | $196,798,000 | 504 |
| Average total loans | $1,322,463,750 | 496 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2911% | 4,658 |
| Cost of funding earning assets | 0.2677% | 4,570 |
| Net interest margin | 3.0234% | 4,074 |
| Noninterest income to average assets | 1.2906% | 611 |
| Noninterest expense to average assets | 2.2026% | 3,779 |
| Loan and lease loss provision to assets | 0.1730% | 2,282 |
| Net operating income to assets | 1.3733% | 1,169 |
| Return on assets (ROA) | 1.3734% | 1,264 |
| Pretax return on assets | 1.7661% | 869 |
| Return on Equity (ROE) | 15.3258% | 662 |
| Retained earnings to average equity (ytd only) | 8.6040% | 1,131 |
| Net charge-offs to loans | 0.2057% | 754 |
| Credit loss provision to net charge-offs | 138.7073% | 2,185 |
| Earnings coverage of net charge-offs (x) | 15.5446% | 1,906 |
| Efficiency ratio | 53.1830% | 4,264 |
| Assets per employee ($millions) | 7.0954% | 1,391 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 1,704 |
| Loan loss allowance to noncurrent loans | 2,197.5496% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 3,995 |
| Noncurrent loans to loans | 0.0622% | 4,230 |
| Net loans and leases to total assets | 60.4066% | 3,280 |
| Net loans and leases to deposits | 76.0378% | 2,860 |
| Net loans and leases to core deposits | 77.9814% | 3,104 |
| Total domestic deposits to total assets | 79.4429% | 3,946 |
| Equity capital to assets | 8.9071% | 4,168 |
| Core capital (leverage) ratio | 8.6196% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5344% | 2,382 |
| Memoranda: | ||
| Average total assets | $2,158,147,667 | 428 |
| Average earning assets | $2,035,054,333 | 420 |
| Average equity | $193,399,333 | 511 |
| Average total loans | $1,308,564,333 | 494 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 4,641 |
| Cost of funding earning assets | 0.3792% | 4,427 |
| Net interest margin | 3.1063% | 4,081 |
| Noninterest income to average assets | 1.2555% | 556 |
| Noninterest expense to average assets | 2.2355% | 3,921 |
| Loan and lease loss provision to assets | 0.1278% | 2,116 |
| Net operating income to assets | 1.4105% | 955 |
| Return on assets (ROA) | 1.4108% | 1,034 |
| Pretax return on assets | 1.8127% | 678 |
| Return on Equity (ROE) | 15.6923% | 463 |
| Retained earnings to average equity (ytd only) | 2.0029% | 3,442 |
| Net charge-offs to loans | 0.1617% | 810 |
| Credit loss provision to net charge-offs | 131.0680% | 1,661 |
| Earnings coverage of net charge-offs (x) | 19.8971% | 1,427 |
| Efficiency ratio | 53.5368% | 4,429 |
| Assets per employee ($millions) | 6.4232% | 1,385 |
| Cash dividends to net income (ytd only)* | 87.2366% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,545 |
| Loan loss allowance to noncurrent loans | 1,877.2358% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 3,896 |
| Noncurrent loans to loans | 0.0768% | 4,206 |
| Net loans and leases to total assets | 62.9987% | 3,190 |
| Net loans and leases to deposits | 79.8419% | 2,694 |
| Net loans and leases to core deposits | 81.8537% | 3,033 |
| Total domestic deposits to total assets | 78.9042% | 4,069 |
| Equity capital to assets | 9.5428% | 4,172 |
| Core capital (leverage) ratio | 8.6903% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0137% | 2,691 |
| Memoranda: | ||
| Average total assets | $2,112,602,000 | 425 |
| Average earning assets | $1,986,030,500 | 415 |
| Average equity | $189,928,000 | 519 |
| Average total loans | $1,274,085,500 | 488 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 4,710 |
| Cost of funding earning assets | 0.5196% | 4,003 |
| Net interest margin | 3.1501% | 4,287 |
| Noninterest income to average assets | 1.2922% | 562 |
| Noninterest expense to average assets | 2.1400% | 4,290 |
| Loan and lease loss provision to assets | 0.0961% | 2,118 |
| Net operating income to assets | 1.5328% | 983 |
| Return on assets (ROA) | 1.5328% | 1,034 |
| Pretax return on assets | 2.0362% | 553 |
| Return on Equity (ROE) | 17.8768% | 348 |
| Retained earnings to average equity (ytd only) | 6.2130% | 1,762 |
| Net charge-offs to loans | 0.1124% | 1,610 |
| Credit loss provision to net charge-offs | 145.0036% | 1,770 |
| Earnings coverage of net charge-offs (x) | 32.1884% | 1,510 |
| Efficiency ratio | 50.0914% | 4,726 |
| Assets per employee ($millions) | 7.1651% | 983 |
| Cash dividends to net income (ytd only)* | 65.2458% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,376 |
| Loan loss allowance to noncurrent loans | 488.3200% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 3,807 |
| Noncurrent loans to loans | 0.2959% | 3,366 |
| Net loans and leases to total assets | 56.2259% | 3,911 |
| Net loans and leases to deposits | 70.1370% | 3,658 |
| Net loans and leases to core deposits | 71.9740% | 3,855 |
| Total domestic deposits to total assets | 80.1658% | 3,943 |
| Equity capital to assets | 8.4917% | 4,914 |
| Core capital (leverage) ratio | 8.4613% | 4,861 |
| Tier 1 risk-based capital ratio | 11.9511% | 4,389 |
| Total risk-based capital ratio | 13.2012% | 4,272 |
| Memoranda: | ||
| Average total assets | $2,099,876,800 | 408 |
| Average earning assets | $1,986,569,800 | 398 |
| Average equity | $180,043,000 | 519 |
| Average total loans | $1,237,432,400 | 483 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,773 |
| Cost of funding earning assets | 0.5522% | 3,915 |
| Net interest margin | 3.1596% | 4,382 |
| Noninterest income to average assets | 1.2604% | 574 |
| Noninterest expense to average assets | 2.1617% | 4,254 |
| Loan and lease loss provision to assets | 0.0955% | 2,007 |
| Net operating income to assets | 1.5432% | 1,080 |
| Return on assets (ROA) | 1.5433% | 1,134 |
| Pretax return on assets | 1.9980% | 687 |
| Return on Equity (ROE) | 17.9535% | 397 |
| Retained earnings to average equity (ytd only) | 7.4609% | 1,645 |
| Net charge-offs to loans | 0.0932% | 1,541 |
| Credit loss provision to net charge-offs | 172.3256% | 1,479 |
| Earnings coverage of net charge-offs (x) | 37.7825% | 1,421 |
| Efficiency ratio | 50.8032% | 4,692 |
| Assets per employee ($millions) | 7.2544% | 930 |
| Cash dividends to net income (ytd only)* | 58.4429% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,468 |
| Loan loss allowance to noncurrent loans | 1,305.8488% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 4,393 |
| Noncurrent loans to loans | 0.1095% | 4,154 |
| Net loans and leases to total assets | 58.2016% | 3,865 |
| Net loans and leases to deposits | 75.4406% | 3,350 |
| Net loans and leases to core deposits | 77.8072% | 3,566 |
| Total domestic deposits to total assets | 77.1490% | 4,496 |
| Equity capital to assets | 8.6436% | 4,950 |
| Core capital (leverage) ratio | 8.6158% | 4,879 |
| Tier 1 risk-based capital ratio | 11.7960% | 4,521 |
| Total risk-based capital ratio | 13.0459% | 4,413 |
| Memoranda: | ||
| Average total assets | $2,069,552,500 | 413 |
| Average earning assets | $1,961,519,250 | 404 |
| Average equity | $177,900,000 | 525 |
| Average total loans | $1,229,993,750 | 486 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7318% | 4,796 |
| Cost of funding earning assets | 0.5691% | 3,796 |
| Net interest margin | 3.1627% | 4,433 |
| Noninterest income to average assets | 1.2532% | 552 |
| Noninterest expense to average assets | 2.1800% | 4,270 |
| Loan and lease loss provision to assets | 0.0985% | 1,898 |
| Net operating income to assets | 1.5240% | 1,082 |
| Return on assets (ROA) | 1.5240% | 1,129 |
| Pretax return on assets | 1.9731% | 715 |
| Return on Equity (ROE) | 17.7637% | 395 |
| Retained earnings to average equity (ytd only) | 1.7366% | 4,193 |
| Net charge-offs to loans | 0.0778% | 1,585 |
| Credit loss provision to net charge-offs | 212.5000% | 1,155 |
| Earnings coverage of net charge-offs (x) | 44.6886% | 1,181 |
| Efficiency ratio | 51.2751% | 4,705 |
| Assets per employee ($millions) | 6.7853% | 1,098 |
| Cash dividends to net income (ytd only)* | 90.2236% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,305 |
| Loan loss allowance to noncurrent loans | 600.2306% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 4,022 |
| Noncurrent loans to loans | 0.2483% | 3,647 |
| Net loans and leases to total assets | 58.7568% | 3,846 |
| Net loans and leases to deposits | 74.1246% | 3,508 |
| Net loans and leases to core deposits | 76.3503% | 3,698 |
| Total domestic deposits to total assets | 79.2676% | 4,168 |
| Equity capital to assets | 8.6352% | 4,992 |
| Core capital (leverage) ratio | 8.2529% | 5,081 |
| Tier 1 risk-based capital ratio | 11.3470% | 4,772 |
| Total risk-based capital ratio | 12.5972% | 4,661 |
| Memoranda: | ||
| Average total assets | $2,036,381,330 | 421 |
| Average earning assets | $1,930,646,000 | 408 |
| Average equity | $174,704,670 | 530 |
| Average total loans | $1,213,078,330 | 491 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 4,839 |
| Cost of funding earning assets | 0.5776% | 3,689 |
| Net interest margin | 3.1283% | 4,538 |
| Noninterest income to average assets | 1.1799% | 583 |
| Noninterest expense to average assets | 2.1610% | 4,350 |
| Loan and lease loss provision to assets | 0.1109% | 1,600 |
| Net operating income to assets | 1.4524% | 1,225 |
| Return on assets (ROA) | 1.4524% | 1,255 |
| Pretax return on assets | 1.8727% | 844 |
| Return on Equity (ROE) | 16.9855% | 482 |
| Retained earnings to average equity (ytd only) | 3.1593% | 3,675 |
| Net charge-offs to loans | 0.1175% | 1,037 |
| Credit loss provision to net charge-offs | 158.5915% | 1,200 |
| Earnings coverage of net charge-offs (x) | 28.3577% | 1,364 |
| Efficiency ratio | 52.1394% | 4,689 |
| Assets per employee ($millions) | 6.3087% | 1,347 |
| Cash dividends to net income (ytd only)* | 81.4001% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 1,454 |
| Loan loss allowance to noncurrent loans | 1,589.1652% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 4,536 |
| Noncurrent loans to loans | 0.0922% | 4,336 |
| Net loans and leases to total assets | 60.3869% | 3,666 |
| Net loans and leases to deposits | 75.9778% | 3,261 |
| Net loans and leases to core deposits | 78.1399% | 3,507 |
| Total domestic deposits to total assets | 79.4797% | 4,254 |
| Equity capital to assets | 8.7741% | 4,841 |
| Core capital (leverage) ratio | 8.1816% | 5,146 |
| Tier 1 risk-based capital ratio | 11.2529% | 4,860 |
| Total risk-based capital ratio | 12.4966% | 4,776 |
| Memoranda: | ||
| Average total assets | $2,029,999,000 | 421 |
| Average earning assets | $1,923,861,000 | 411 |
| Average equity | $173,583,500 | 526 |
| Average total loans | $1,208,503,000 | 494 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4737% | 4,947 |
| Cost of funding earning assets | 0.3601% | 4,218 |
| Net interest margin | 3.1136% | 4,629 |
| Noninterest income to average assets | 1.3203% | 531 |
| Noninterest expense to average assets | 2.1891% | 4,366 |
| Loan and lease loss provision to assets | 0.0759% | 2,605 |
| Net operating income to assets | 1.5596% | 970 |
| Return on assets (ROA) | 1.5579% | 965 |
| Pretax return on assets | 1.9997% | 564 |
| Return on Equity (ROE) | 17.3336% | 459 |
| Retained earnings to average equity (ytd only) | 3.2173% | 3,794 |
| Net charge-offs to loans | 0.1003% | 1,756 |
| Credit loss provision to net charge-offs | 121.5919% | 2,142 |
| Earnings coverage of net charge-offs (x) | 33.2794% | 1,500 |
| Efficiency ratio | 51.3046% | 4,859 |
| Assets per employee ($millions) | 6.6233% | 1,156 |
| Cash dividends to net income (ytd only)* | 81.4388% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 1,353 |
| Loan loss allowance to noncurrent loans | 1,907.8749% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 4,624 |
| Noncurrent loans to loans | 0.0776% | 4,404 |
| Net loans and leases to total assets | 56.9858% | 4,048 |
| Net loans and leases to deposits | 70.9363% | 3,752 |
| Net loans and leases to core deposits | 72.4885% | 3,958 |
| Total domestic deposits to total assets | 80.3338% | 4,032 |
| Equity capital to assets | 8.3356% | 5,028 |
| Core capital (leverage) ratio | 8.8844% | 4,749 |
| Tier 1 risk-based capital ratio | 11.8780% | 4,511 |
| Total risk-based capital ratio | 13.1279% | 4,394 |
| Memoranda: | ||
| Average total assets | $1,891,613,000 | 435 |
| Average earning assets | $1,790,118,000 | 417 |
| Average equity | $170,016,600 | 511 |
| Average total loans | $1,177,000,600 | 493 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4406% | 4,992 |
| Cost of funding earning assets | 0.3175% | 4,396 |
| Net interest margin | 3.1232% | 4,668 |
| Noninterest income to average assets | 1.3267% | 542 |
| Noninterest expense to average assets | 2.2244% | 4,271 |
| Loan and lease loss provision to assets | 0.0727% | 2,502 |
| Net operating income to assets | 1.5457% | 1,075 |
| Return on assets (ROA) | 1.5434% | 1,083 |
| Pretax return on assets | 1.9822% | 648 |
| Return on Equity (ROE) | 16.8305% | 567 |
| Retained earnings to average equity (ytd only) | 3.4549% | 4,043 |
| Net charge-offs to loans | 0.0828% | 1,693 |
| Credit loss provision to net charge-offs | 138.4615% | 1,819 |
| Earnings coverage of net charge-offs (x) | 39.1773% | 1,377 |
| Efficiency ratio | 51.9452% | 4,819 |
| Assets per employee ($millions) | 6.2359% | 1,325 |
| Cash dividends to net income (ytd only)* | 79.4727% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 1,347 |
| Loan loss allowance to noncurrent loans | 1,866.2803% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,717 |
| Noncurrent loans to loans | 0.0803% | 4,517 |
| Net loans and leases to total assets | 61.3980% | 3,708 |
| Net loans and leases to deposits | 77.0615% | 3,315 |
| Net loans and leases to core deposits | 78.6646% | 3,605 |
| Total domestic deposits to total assets | 79.6741% | 4,179 |
| Equity capital to assets | 8.9635% | 4,582 |
| Core capital (leverage) ratio | 8.7070% | 4,954 |
| Tier 1 risk-based capital ratio | 11.2691% | 4,917 |
| Total risk-based capital ratio | 12.5191% | 4,813 |
| Memoranda: | ||
| Average total assets | $1,847,902,750 | 443 |
| Average earning assets | $1,748,782,750 | 426 |
| Average equity | $169,457,750 | 509 |
| Average total loans | $1,172,432,750 | 490 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3668% | 5,074 |
| Cost of funding earning assets | 0.2707% | 4,630 |
| Net interest margin | 3.0961% | 4,737 |
| Noninterest income to average assets | 1.3008% | 569 |
| Noninterest expense to average assets | 2.2187% | 4,324 |
| Loan and lease loss provision to assets | 0.0879% | 2,158 |
| Net operating income to assets | 1.4954% | 1,176 |
| Return on assets (ROA) | 1.4954% | 1,169 |
| Pretax return on assets | 1.9213% | 733 |
| Return on Equity (ROE) | 16.1816% | 636 |
| Retained earnings to average equity (ytd only) | 2.0059% | 4,455 |
| Net charge-offs to loans | 0.0818% | 1,510 |
| Credit loss provision to net charge-offs | 168.4100% | 1,462 |
| Earnings coverage of net charge-offs (x) | 38.5021% | 1,329 |
| Efficiency ratio | 52.4776% | 4,840 |
| Assets per employee ($millions) | 6.1410% | 1,372 |
| Cash dividends to net income (ytd only)* | 87.6040% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 1,439 |
| Loan loss allowance to noncurrent loans | 1,664.2924% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,732 |
| Noncurrent loans to loans | 0.0894% | 4,515 |
| Net loans and leases to total assets | 64.0656% | 3,393 |
| Net loans and leases to deposits | 80.4034% | 2,907 |
| Net loans and leases to core deposits | 82.2517% | 3,223 |
| Total domestic deposits to total assets | 79.6802% | 4,310 |
| Equity capital to assets | 9.1302% | 4,451 |
| Core capital (leverage) ratio | 8.9969% | 4,695 |
| Tier 1 risk-based capital ratio | 11.1526% | 4,966 |
| Total risk-based capital ratio | 12.4028% | 4,874 |
| Memoranda: | ||
| Average total assets | $1,831,967,670 | 445 |
| Average earning assets | $1,731,974,000 | 431 |
| Average equity | $169,303,000 | 509 |
| Average total loans | $1,169,364,330 | 489 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 5,158 |
| Cost of funding earning assets | 0.2509% | 4,704 |
| Net interest margin | 3.0304% | 4,834 |
| Noninterest income to average assets | 1.2928% | 553 |
| Noninterest expense to average assets | 2.1735% | 4,486 |
| Loan and lease loss provision to assets | 0.1032% | 1,799 |
| Net operating income to assets | 1.4639% | 1,167 |
| Return on assets (ROA) | 1.4639% | 1,167 |
| Pretax return on assets | 1.8782% | 766 |
| Return on Equity (ROE) | 15.7455% | 667 |
| Retained earnings to average equity (ytd only) | 15.7455% | 265 |
| Net charge-offs to loans | 0.0913% | 1,250 |
| Credit loss provision to net charge-offs | 178.7879% | 1,121 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 1,158 |
| Efficiency ratio | 52.3123% | 4,936 |
| Assets per employee ($millions) | 5.5121% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 1,343 |
| Loan loss allowance to noncurrent loans | 1,528.5095% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,766 |
| Noncurrent loans to loans | 0.1002% | 4,522 |
| Net loans and leases to total assets | 63.6886% | 3,348 |
| Net loans and leases to deposits | 79.0600% | 2,909 |
| Net loans and leases to core deposits | 81.0136% | 3,236 |
| Total domestic deposits to total assets | 80.5572% | 4,304 |
| Equity capital to assets | 9.7079% | 3,875 |
| Core capital (leverage) ratio | 9.1038% | 4,565 |
| Tier 1 risk-based capital ratio | 11.6275% | 4,784 |
| Total risk-based capital ratio | 12.8777% | 4,680 |
| Memoranda: | ||
| Average total assets | $1,829,865,000 | 445 |
| Average earning assets | $1,728,245,000 | 433 |
| Average equity | $170,131,000 | 512 |
| Average total loans | $1,156,990,000 | 497 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2421% | 5,142 |
| Cost of funding earning assets | 0.1871% | 5,047 |
| Net interest margin | 3.0549% | 4,777 |
| Noninterest income to average assets | 1.3080% | 616 |
| Noninterest expense to average assets | 2.2725% | 4,406 |
| Loan and lease loss provision to assets | 0.0247% | 3,802 |
| Net operating income to assets | 1.1506% | 1,679 |
| Return on assets (ROA) | 1.1508% | 1,712 |
| Pretax return on assets | 1.8865% | 615 |
| Return on Equity (ROE) | 12.8247% | 990 |
| Retained earnings to average equity (ytd only) | 12.8247% | 140 |
| Net charge-offs to loans | -0.0089% | 4,755 |
| Credit loss provision to net charge-offs | -436.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3218% | 4,929 |
| Assets per employee ($millions) | 6.0428% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,415 |
| Loan loss allowance to noncurrent loans | 1,632.1161% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 4,848 |
| Noncurrent loans to loans | 0.0919% | 4,581 |
| Net loans and leases to total assets | 60.9259% | 3,738 |
| Net loans and leases to deposits | 74.1300% | 3,515 |
| Net loans and leases to core deposits | 75.2638% | 3,798 |
| Total domestic deposits to total assets | 82.1879% | 3,822 |
| Equity capital to assets | 8.9086% | 4,809 |
| Core capital (leverage) ratio | 8.9553% | 4,702 |
| Tier 1 risk-based capital ratio | 10.9844% | 5,158 |
| Total risk-based capital ratio | 12.2176% | 5,045 |
| Memoranda: | ||
| Average total assets | $1,765,803,200 | 449 |
| Average earning assets | $1,662,000,800 | 438 |
| Average equity | $158,452,600 | 524 |
| Average total loans | $1,124,124,800 | 485 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2568% | 5,164 |
| Cost of funding earning assets | 0.1817% | 5,126 |
| Net interest margin | 3.0751% | 4,768 |
| Noninterest income to average assets | 1.2767% | 652 |
| Noninterest expense to average assets | 2.2997% | 4,298 |
| Loan and lease loss provision to assets | 0.0265% | 3,600 |
| Net operating income to assets | 1.2424% | 1,539 |
| Return on assets (ROA) | 1.2459% | 1,549 |
| Pretax return on assets | 1.8501% | 781 |
| Return on Equity (ROE) | 13.8570% | 865 |
| Retained earnings to average equity (ytd only) | 13.8570% | 165 |
| Net charge-offs to loans | -0.0356% | 5,055 |
| Credit loss provision to net charge-offs | -115.7718% | 4,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1349% | 4,835 |
| Assets per employee ($millions) | 5.4737% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,401 |
| Loan loss allowance to noncurrent loans | 1,552.0354% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 4,901 |
| Noncurrent loans to loans | 0.0990% | 4,667 |
| Net loans and leases to total assets | 66.0244% | 3,102 |
| Net loans and leases to deposits | 80.4484% | 2,925 |
| Net loans and leases to core deposits | 81.9944% | 3,283 |
| Total domestic deposits to total assets | 82.0705% | 3,757 |
| Equity capital to assets | 9.6829% | 4,261 |
| Core capital (leverage) ratio | 9.0045% | 4,728 |
| Tier 1 risk-based capital ratio | 11.1048% | 5,186 |
| Total risk-based capital ratio | 12.3553% | 5,074 |
| Memoranda: | ||
| Average total assets | $1,737,427,000 | 458 |
| Average earning assets | $1,635,350,000 | 445 |
| Average equity | $156,210,750 | 532 |
| Average total loans | $1,114,552,000 | 489 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2039% | 5,234 |
| Cost of funding earning assets | 0.1687% | 5,216 |
| Net interest margin | 3.0351% | 4,835 |
| Noninterest income to average assets | 1.2434% | 674 |
| Noninterest expense to average assets | 2.2824% | 4,396 |
| Loan and lease loss provision to assets | 0.0286% | 3,426 |
| Net operating income to assets | 1.2093% | 1,564 |
| Return on assets (ROA) | 1.2085% | 1,602 |
| Pretax return on assets | 1.7857% | 870 |
| Return on Equity (ROE) | 13.7854% | 848 |
| Retained earnings to average equity (ytd only) | 13.7854% | 198 |
| Net charge-offs to loans | -0.0962% | 5,398 |
| Credit loss provision to net charge-offs | -46.9925% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6963% | 4,862 |
| Assets per employee ($millions) | 5.4700% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,370 |
| Loan loss allowance to noncurrent loans | 1,575.4902% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 4,946 |
| Noncurrent loans to loans | 0.0989% | 4,733 |
| Net loans and leases to total assets | 64.4241% | 3,326 |
| Net loans and leases to deposits | 79.2334% | 3,001 |
| Net loans and leases to core deposits | 80.7061% | 3,368 |
| Total domestic deposits to total assets | 81.3092% | 4,101 |
| Equity capital to assets | 9.1754% | 4,737 |
| Core capital (leverage) ratio | 8.5160% | 5,205 |
| Tier 1 risk-based capital ratio | 10.6318% | 5,408 |
| Total risk-based capital ratio | 11.8823% | 5,334 |
| Memoranda: | ||
| Average total assets | $1,749,124,000 | 460 |
| Average earning assets | $1,645,062,670 | 448 |
| Average equity | $153,336,000 | 537 |
| Average total loans | $1,105,571,000 | 489 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1394% | 5,322 |
| Cost of funding earning assets | 0.1431% | 5,419 |
| Net interest margin | 2.9963% | 4,898 |
| Noninterest income to average assets | 1.1804% | 731 |
| Noninterest expense to average assets | 2.2545% | 4,519 |
| Loan and lease loss provision to assets | 0.0373% | 3,051 |
| Net operating income to assets | 1.1622% | 1,622 |
| Return on assets (ROA) | 1.1622% | 1,660 |
| Pretax return on assets | 1.7062% | 993 |
| Return on Equity (ROE) | 13.5696% | 888 |
| Retained earnings to average equity (ytd only) | 13.5696% | 328 |
| Net charge-offs to loans | -0.3036% | 5,688 |
| Credit loss provision to net charge-offs | -19.8068% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3902% | 4,897 |
| Assets per employee ($millions) | 5.5363% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 1,320 |
| Loan loss allowance to noncurrent loans | 1,589.9556% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 5,020 |
| Noncurrent loans to loans | 0.1022% | 4,782 |
| Net loans and leases to total assets | 61.9025% | 3,550 |
| Net loans and leases to deposits | 74.0865% | 3,392 |
| Net loans and leases to core deposits | 74.8853% | 3,749 |
| Total domestic deposits to total assets | 83.5543% | 3,637 |
| Equity capital to assets | 8.7640% | 5,031 |
| Core capital (leverage) ratio | 8.2807% | 5,390 |
| Tier 1 risk-based capital ratio | 10.3819% | 5,597 |
| Total risk-based capital ratio | 11.6328% | 5,516 |
| Memoranda: | ||
| Average total assets | $1,756,684,500 | 462 |
| Average earning assets | $1,651,923,000 | 448 |
| Average equity | $150,453,500 | 544 |
| Average total loans | $1,090,960,500 | 493 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1430% | 5,364 |
| Cost of funding earning assets | 0.1205% | 5,612 |
| Net interest margin | 3.0224% | 4,910 |
| Noninterest income to average assets | 1.3461% | 631 |
| Noninterest expense to average assets | 2.3645% | 4,383 |
| Loan and lease loss provision to assets | 0.0499% | 3,401 |
| Net operating income to assets | 1.2360% | 1,393 |
| Return on assets (ROA) | 1.2360% | 1,480 |
| Pretax return on assets | 1.7782% | 846 |
| Return on Equity (ROE) | 14.9922% | 628 |
| Retained earnings to average equity (ytd only) | 14.9922% | 107 |
| Net charge-offs to loans | 0.0489% | 3,065 |
| Credit loss provision to net charge-offs | 165.8153% | 1,673 |
| Earnings coverage of net charge-offs (x) | 60.7800% | 880 |
| Efficiency ratio | 56.3967% | 5,024 |
| Assets per employee ($millions) | 5.7084% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 1,458 |
| Loan loss allowance to noncurrent loans | 1,345.1433% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 5,048 |
| Noncurrent loans to loans | 0.1162% | 4,770 |
| Net loans and leases to total assets | 60.3308% | 3,810 |
| Net loans and leases to deposits | 72.8792% | 3,626 |
| Net loans and leases to core deposits | 73.6617% | 3,947 |
| Total domestic deposits to total assets | 82.7819% | 3,831 |
| Equity capital to assets | 8.3669% | 5,375 |
| Core capital (leverage) ratio | 8.0976% | 5,566 |
| Tier 1 risk-based capital ratio | 9.9069% | 5,759 |
| Total risk-based capital ratio | 11.1451% | 5,731 |
| Memoranda: | ||
| Average total assets | $1,692,317,000 | 459 |
| Average earning assets | $1,593,774,400 | 443 |
| Average equity | $139,518,800 | 568 |
| Average total loans | $1,041,069,800 | 492 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1571% | 5,425 |
| Cost of funding earning assets | 0.1200% | 5,677 |
| Net interest margin | 3.0371% | 4,931 |
| Noninterest income to average assets | 1.3492% | 647 |
| Noninterest expense to average assets | 2.4188% | 4,228 |
| Loan and lease loss provision to assets | 0.0602% | 3,052 |
| Net operating income to assets | 1.2208% | 1,559 |
| Return on assets (ROA) | 1.2208% | 1,658 |
| Pretax return on assets | 1.7348% | 1,026 |
| Return on Equity (ROE) | 14.8658% | 681 |
| Retained earnings to average equity (ytd only) | 14.8658% | 136 |
| Net charge-offs to loans | 0.0480% | 2,684 |
| Credit loss provision to net charge-offs | 203.7736% | 1,423 |
| Earnings coverage of net charge-offs (x) | 60.7633% | 947 |
| Efficiency ratio | 57.4009% | 4,902 |
| Assets per employee ($millions) | 5.3720% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 1,488 |
| Loan loss allowance to noncurrent loans | 937.7421% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 5,005 |
| Noncurrent loans to loans | 0.1700% | 4,677 |
| Net loans and leases to total assets | 61.2279% | 3,712 |
| Net loans and leases to deposits | 72.9438% | 3,711 |
| Net loans and leases to core deposits | 73.8202% | 4,015 |
| Total domestic deposits to total assets | 83.9384% | 3,227 |
| Equity capital to assets | 8.5142% | 5,521 |
| Core capital (leverage) ratio | 7.9296% | 5,714 |
| Tier 1 risk-based capital ratio | 9.9052% | 5,817 |
| Total risk-based capital ratio | 11.1558% | 5,783 |
| Memoranda: | ||
| Average total assets | $1,674,419,250 | 464 |
| Average earning assets | $1,579,295,250 | 445 |
| Average equity | $137,502,500 | 575 |
| Average total loans | $1,031,068,750 | 495 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1590% | 5,493 |
| Cost of funding earning assets | 0.1203% | 5,754 |
| Net interest margin | 3.0387% | 4,995 |
| Noninterest income to average assets | 1.3760% | 606 |
| Noninterest expense to average assets | 2.4268% | 4,247 |
| Loan and lease loss provision to assets | 0.0574% | 2,993 |
| Net operating income to assets | 1.2441% | 1,447 |
| Return on assets (ROA) | 1.2440% | 1,558 |
| Pretax return on assets | 1.7557% | 970 |
| Return on Equity (ROE) | 15.3426% | 635 |
| Retained earnings to average equity (ytd only) | 15.3426% | 136 |
| Net charge-offs to loans | 0.0451% | 2,569 |
| Credit loss provision to net charge-offs | 207.3913% | 1,265 |
| Earnings coverage of net charge-offs (x) | 65.5565% | 825 |
| Efficiency ratio | 57.2352% | 4,996 |
| Assets per employee ($millions) | 5.5517% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 1,479 |
| Loan loss allowance to noncurrent loans | 480.4746% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 4,663 |
| Noncurrent loans to loans | 0.3366% | 4,156 |
| Net loans and leases to total assets | 60.5713% | 3,812 |
| Net loans and leases to deposits | 71.2031% | 3,866 |
| Net loans and leases to core deposits | 72.4427% | 4,133 |
| Total domestic deposits to total assets | 85.0683% | 2,842 |
| Equity capital to assets | 8.3633% | 5,665 |
| Core capital (leverage) ratio | 7.7353% | 5,837 |
| Tier 1 risk-based capital ratio | 9.7273% | 5,910 |
| Total risk-based capital ratio | 10.9781% | 5,884 |
| Memoranda: | ||
| Average total assets | $1,663,125,330 | 466 |
| Average earning assets | $1,567,500,670 | 448 |
| Average equity | $134,853,670 | 589 |
| Average total loans | $1,020,458,000 | 498 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1656% | 5,532 |
| Cost of funding earning assets | 0.1210% | 5,808 |
| Net interest margin | 3.0446% | 5,017 |
| Noninterest income to average assets | 1.3063% | 639 |
| Noninterest expense to average assets | 2.3319% | 4,570 |
| Loan and lease loss provision to assets | 0.0596% | 2,760 |
| Net operating income to assets | 1.2133% | 1,511 |
| Return on assets (ROA) | 1.2130% | 1,614 |
| Pretax return on assets | 1.7804% | 876 |
| Return on Equity (ROE) | 15.2035% | 637 |
| Retained earnings to average equity (ytd only) | 15.2035% | 236 |
| Net charge-offs to loans | 0.0273% | 2,392 |
| Credit loss provision to net charge-offs | 356.5217% | 764 |
| Earnings coverage of net charge-offs (x) | 110.0870% | 505 |
| Efficiency ratio | 55.8885% | 5,201 |
| Assets per employee ($millions) | 5.4620% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 1,531 |
| Loan loss allowance to noncurrent loans | 478.7471% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 4,725 |
| Noncurrent loans to loans | 0.3403% | 4,219 |
| Net loans and leases to total assets | 60.0753% | 3,759 |
| Net loans and leases to deposits | 70.1712% | 3,844 |
| Net loans and leases to core deposits | 71.2735% | 4,128 |
| Total domestic deposits to total assets | 85.6125% | 2,860 |
| Equity capital to assets | 8.0272% | 5,819 |
| Core capital (leverage) ratio | 7.5263% | 5,921 |
| Tier 1 risk-based capital ratio | 9.5943% | 5,996 |
| Total risk-based capital ratio | 10.8455% | 5,969 |
| Memoranda: | ||
| Average total assets | $1,650,832,000 | 466 |
| Average earning assets | $1,554,083,500 | 452 |
| Average equity | $131,706,500 | 608 |
| Average total loans | $1,011,149,000 | 500 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2694% | 5,395 |
| Cost of funding earning assets | 0.1014% | 5,957 |
| Net interest margin | 3.1680% | 4,722 |
| Noninterest income to average assets | 1.4036% | 614 |
| Noninterest expense to average assets | 2.5460% | 4,083 |
| Loan and lease loss provision to assets | 0.0206% | 3,986 |
| Net operating income to assets | 1.2435% | 1,404 |
| Return on assets (ROA) | 1.2479% | 1,446 |
| Pretax return on assets | 1.8153% | 784 |
| Return on Equity (ROE) | 15.2456% | 651 |
| Retained earnings to average equity (ytd only) | 4.8418% | 2,534 |
| Net charge-offs to loans | 0.0618% | 2,989 |
| Credit loss provision to net charge-offs | 54.8951% | 3,336 |
| Earnings coverage of net charge-offs (x) | 48.8252% | 1,021 |
| Efficiency ratio | 58.1872% | 5,118 |
| Assets per employee ($millions) | 5.3094% | 2,000 |
| Cash dividends to net income (ytd only)* | 68.2415% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 1,441 |
| Loan loss allowance to noncurrent loans | 412.7617% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 4,600 |
| Noncurrent loans to loans | 0.4032% | 4,010 |
| Net loans and leases to total assets | 60.4159% | 3,775 |
| Net loans and leases to deposits | 71.2611% | 3,793 |
| Net loans and leases to core deposits | 72.5405% | 4,086 |
| Total domestic deposits to total assets | 84.7811% | 3,180 |
| Equity capital to assets | 7.9273% | 5,882 |
| Core capital (leverage) ratio | 7.4102% | 5,991 |
| Tier 1 risk-based capital ratio | 9.2585% | 6,078 |
| Total risk-based capital ratio | 10.5095% | 6,076 |
| Memoranda: | ||
| Average total assets | $1,526,531,600 | 464 |
| Average earning assets | $1,432,023,000 | 453 |
| Average equity | $124,953,800 | 609 |
| Average total loans | $925,588,600 | 516 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2752% | 5,450 |
| Cost of funding earning assets | 0.1047% | 6,043 |
| Net interest margin | 3.1705% | 4,773 |
| Noninterest income to average assets | 1.4231% | 615 |
| Noninterest expense to average assets | 2.6003% | 3,880 |
| Loan and lease loss provision to assets | 0.0238% | 3,799 |
| Net operating income to assets | 1.2239% | 1,573 |
| Return on assets (ROA) | 1.2276% | 1,618 |
| Pretax return on assets | 1.7802% | 933 |
| Return on Equity (ROE) | 14.8706% | 741 |
| Retained earnings to average equity (ytd only) | 0.9036% | 5,348 |
| Net charge-offs to loans | 0.0725% | 2,526 |
| Credit loss provision to net charge-offs | 54.2510% | 2,985 |
| Earnings coverage of net charge-offs (x) | 41.0526% | 1,219 |
| Efficiency ratio | 59.1121% | 4,991 |
| Assets per employee ($millions) | 4.7037% | 2,699 |
| Cash dividends to net income (ytd only)* | 93.9238% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 1,450 |
| Loan loss allowance to noncurrent loans | 443.1624% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 4,661 |
| Noncurrent loans to loans | 0.3858% | 4,232 |
| Net loans and leases to total assets | 62.2034% | 3,575 |
| Net loans and leases to deposits | 73.5918% | 3,588 |
| Net loans and leases to core deposits | 75.0825% | 3,902 |
| Total domestic deposits to total assets | 84.5249% | 3,209 |
| Equity capital to assets | 8.1410% | 5,906 |
| Core capital (leverage) ratio | 7.4139% | 6,072 |
| Tier 1 risk-based capital ratio | 8.8610% | 6,196 |
| Total risk-based capital ratio | 10.1121% | 6,192 |
| Memoranda: | ||
| Average total assets | $1,503,321,000 | 476 |
| Average earning assets | $1,411,006,750 | 463 |
| Average equity | $124,099,000 | 616 |
| Average total loans | $908,255,750 | 526 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2716% | 5,492 |
| Cost of funding earning assets | 0.1083% | 6,099 |
| Net interest margin | 3.1633% | 4,779 |
| Noninterest income to average assets | 1.4367% | 615 |
| Noninterest expense to average assets | 2.6339% | 3,802 |
| Loan and lease loss provision to assets | 0.0293% | 3,543 |
| Net operating income to assets | 1.2023% | 1,595 |
| Return on assets (ROA) | 1.2074% | 1,658 |
| Pretax return on assets | 1.7473% | 984 |
| Return on Equity (ROE) | 14.5575% | 808 |
| Retained earnings to average equity (ytd only) | 0.6701% | 5,296 |
| Net charge-offs to loans | 0.0953% | 2,064 |
| Credit loss provision to net charge-offs | 51.7730% | 2,685 |
| Earnings coverage of net charge-offs (x) | 31.2293% | 1,332 |
| Efficiency ratio | 59.8187% | 5,010 |
| Assets per employee ($millions) | 4.9868% | 2,289 |
| Cash dividends to net income (ytd only)* | 95.3966% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8489% | 1,268 |
| Loan loss allowance to noncurrent loans | 411.9514% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 4,636 |
| Noncurrent loans to loans | 0.4488% | 4,126 |
| Net loans and leases to total assets | 58.1779% | 4,075 |
| Net loans and leases to deposits | 68.7755% | 4,055 |
| Net loans and leases to core deposits | 70.3841% | 4,288 |
| Total domestic deposits to total assets | 84.5910% | 3,300 |
| Equity capital to assets | 8.1417% | 5,917 |
| Core capital (leverage) ratio | 7.4553% | 6,110 |
| Tier 1 risk-based capital ratio | 9.3429% | 6,219 |
| Total risk-based capital ratio | 10.5949% | 6,205 |
| Memoranda: | ||
| Average total assets | $1,493,287,330 | 482 |
| Average earning assets | $1,400,370,000 | 470 |
| Average equity | $123,853,330 | 616 |
| Average total loans | $887,530,000 | 536 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2427% | 5,569 |
| Cost of funding earning assets | 0.1145% | 6,136 |
| Net interest margin | 3.1282% | 4,860 |
| Noninterest income to average assets | 1.3817% | 609 |
| Noninterest expense to average assets | 2.5386% | 4,146 |
| Loan and lease loss provision to assets | 0.0470% | 2,991 |
| Net operating income to assets | 1.1946% | 1,566 |
| Return on assets (ROA) | 1.1946% | 1,663 |
| Pretax return on assets | 1.7323% | 987 |
| Return on Equity (ROE) | 14.2697% | 827 |
| Retained earnings to average equity (ytd only) | 1.6959% | 4,799 |
| Net charge-offs to loans | 0.0599% | 2,156 |
| Credit loss provision to net charge-offs | 131.8182% | 1,360 |
| Earnings coverage of net charge-offs (x) | 49.9394% | 839 |
| Efficiency ratio | 58.7923% | 5,247 |
| Assets per employee ($millions) | 4.8556% | 2,551 |
| Cash dividends to net income (ytd only)* | 88.1157% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 1,291 |
| Loan loss allowance to noncurrent loans | 376.4233% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 4,736 |
| Noncurrent loans to loans | 0.5042% | 4,068 |
| Net loans and leases to total assets | 57.5267% | 4,023 |
| Net loans and leases to deposits | 68.3456% | 3,922 |
| Net loans and leases to core deposits | 69.6424% | 4,189 |
| Total domestic deposits to total assets | 84.1702% | 3,750 |
| Equity capital to assets | 8.2300% | 5,919 |
| Core capital (leverage) ratio | 7.4066% | 6,173 |
| Tier 1 risk-based capital ratio | 9.1555% | 6,308 |
| Total risk-based capital ratio | 10.4076% | 6,292 |
| Memoranda: | ||
| Average total assets | $1,481,942,000 | 485 |
| Average earning assets | $1,390,958,500 | 469 |
| Average equity | $124,067,000 | 618 |
| Average total loans | $882,006,000 | 531 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3066% | 5,693 |
| Cost of funding earning assets | 0.1187% | 6,253 |
| Net interest margin | 3.1879% | 4,961 |
| Noninterest income to average assets | 1.5296% | 527 |
| Noninterest expense to average assets | 2.6154% | 4,161 |
| Loan and lease loss provision to assets | -0.0937% | 6,135 |
| Net operating income to assets | 1.4102% | 1,064 |
| Return on assets (ROA) | 1.4137% | 1,083 |
| Pretax return on assets | 1.9906% | 523 |
| Return on Equity (ROE) | 16.6055% | 538 |
| Retained earnings to average equity (ytd only) | -0.1702% | 5,796 |
| Net charge-offs to loans | -0.1908% | 6,255 |
| Credit loss provision to net charge-offs | 83.2317% | 2,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0246% | 5,456 |
| Assets per employee ($millions) | 4.6891% | 2,743 |
| Cash dividends to net income (ytd only)* | 101.0248% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 1,269 |
| Loan loss allowance to noncurrent loans | 377.0852% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 4,744 |
| Noncurrent loans to loans | 0.5093% | 4,139 |
| Net loans and leases to total assets | 59.2735% | 3,883 |
| Net loans and leases to deposits | 70.7112% | 3,813 |
| Net loans and leases to core deposits | 72.1684% | 4,104 |
| Total domestic deposits to total assets | 83.8247% | 3,798 |
| Equity capital to assets | 8.5203% | 5,737 |
| Core capital (leverage) ratio | 7.3816% | 6,240 |
| Tier 1 risk-based capital ratio | 10.3626% | 6,161 |
| Total risk-based capital ratio | 11.6172% | 6,101 |
| Memoranda: | ||
| Average total assets | $1,456,438,000 | 479 |
| Average earning assets | $1,360,440,400 | 468 |
| Average equity | $123,988,800 | 592 |
| Average total loans | $859,680,600 | 514 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3059% | 5,761 |
| Cost of funding earning assets | 0.1201% | 6,333 |
| Net interest margin | 3.1858% | 5,008 |
| Noninterest income to average assets | 1.5286% | 537 |
| Noninterest expense to average assets | 2.6302% | 4,093 |
| Loan and lease loss provision to assets | 0.0092% | 4,240 |
| Net operating income to assets | 1.3333% | 1,280 |
| Return on assets (ROA) | 1.3393% | 1,325 |
| Pretax return on assets | 1.8713% | 762 |
| Return on Equity (ROE) | 15.7356% | 708 |
| Retained earnings to average equity (ytd only) | 0.9120% | 5,517 |
| Net charge-offs to loans | -0.2188% | 6,325 |
| Credit loss provision to net charge-offs | -7.1937% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4181% | 5,390 |
| Assets per employee ($millions) | 4.9347% | 2,321 |
| Cash dividends to net income (ytd only)* | 94.2044% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0748% | 1,124 |
| Loan loss allowance to noncurrent loans | 400.9776% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 4,985 |
| Noncurrent loans to loans | 0.5174% | 4,383 |
| Net loans and leases to total assets | 57.7315% | 4,111 |
| Net loans and leases to deposits | 68.2524% | 4,102 |
| Net loans and leases to core deposits | 69.7506% | 4,345 |
| Total domestic deposits to total assets | 84.5853% | 3,503 |
| Equity capital to assets | 8.4387% | 5,843 |
| Core capital (leverage) ratio | 7.5266% | 6,273 |
| Tier 1 risk-based capital ratio | 10.4531% | 6,221 |
| Total risk-based capital ratio | 11.7091% | 6,169 |
| Memoranda: | ||
| Average total assets | $1,458,315,500 | 474 |
| Average earning assets | $1,361,255,750 | 461 |
| Average equity | $124,122,750 | 588 |
| Average total loans | $855,688,750 | 513 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2981% | 5,794 |
| Cost of funding earning assets | 0.1246% | 6,390 |
| Net interest margin | 3.1736% | 5,030 |
| Noninterest income to average assets | 1.4672% | 564 |
| Noninterest expense to average assets | 2.6312% | 4,130 |
| Loan and lease loss provision to assets | 0.0089% | 4,055 |
| Net operating income to assets | 1.2847% | 1,356 |
| Return on assets (ROA) | 1.2938% | 1,380 |
| Pretax return on assets | 1.7968% | 851 |
| Return on Equity (ROE) | 15.1573% | 770 |
| Retained earnings to average equity (ytd only) | 0.9630% | 5,371 |
| Net charge-offs to loans | -0.1617% | 6,292 |
| Credit loss provision to net charge-offs | -9.4477% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4716% | 5,364 |
| Assets per employee ($millions) | 4.9778% | 2,241 |
| Cash dividends to net income (ytd only)* | 93.6469% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9989% | 1,361 |
| Loan loss allowance to noncurrent loans | 862.2134% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 5,697 |
| Noncurrent loans to loans | 0.2318% | 5,302 |
| Net loans and leases to total assets | 56.9729% | 4,117 |
| Net loans and leases to deposits | 68.5354% | 3,990 |
| Net loans and leases to core deposits | 70.1867% | 4,247 |
| Total domestic deposits to total assets | 83.1291% | 4,253 |
| Equity capital to assets | 8.3881% | 5,889 |
| Core capital (leverage) ratio | 7.7151% | 6,243 |
| Tier 1 risk-based capital ratio | 10.0474% | 6,386 |
| Total risk-based capital ratio | 11.3018% | 6,339 |
| Memoranda: | ||
| Average total assets | $1,452,596,670 | 472 |
| Average earning assets | $1,353,490,330 | 459 |
| Average equity | $123,993,330 | 583 |
| Average total loans | $850,965,000 | 514 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2566% | 5,923 |
| Cost of funding earning assets | 0.1345% | 6,425 |
| Net interest margin | 3.1220% | 5,169 |
| Noninterest income to average assets | 1.3717% | 618 |
| Noninterest expense to average assets | 2.6414% | 4,144 |
| Loan and lease loss provision to assets | 0.0106% | 3,689 |
| Net operating income to assets | 1.1922% | 1,502 |
| Return on assets (ROA) | 1.1902% | 1,580 |
| Pretax return on assets | 1.6290% | 1,112 |
| Return on Equity (ROE) | 13.8192% | 975 |
| Retained earnings to average equity (ytd only) | 1.5182% | 5,002 |
| Net charge-offs to loans | 0.0948% | 2,217 |
| Credit loss provision to net charge-offs | 19.0000% | 2,518 |
| Earnings coverage of net charge-offs (x) | 29.4550% | 1,064 |
| Efficiency ratio | 61.6596% | 5,183 |
| Assets per employee ($millions) | 4.6495% | 2,728 |
| Cash dividends to net income (ytd only)* | 89.0138% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9283% | 1,677 |
| Loan loss allowance to noncurrent loans | 623.3257% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 5,683 |
| Noncurrent loans to loans | 0.3094% | 5,179 |
| Net loans and leases to total assets | 57.4308% | 3,933 |
| Net loans and leases to deposits | 69.1307% | 3,719 |
| Net loans and leases to core deposits | 70.5398% | 4,031 |
| Total domestic deposits to total assets | 83.0758% | 4,584 |
| Equity capital to assets | 8.5324% | 5,621 |
| Core capital (leverage) ratio | 7.7031% | 6,267 |
| Tier 1 risk-based capital ratio | 10.3852% | 6,369 |
| Total risk-based capital ratio | 11.6392% | 6,330 |
| Memoranda: | ||
| Average total assets | $1,434,706,500 | 478 |
| Average earning assets | $1,338,224,500 | 465 |
| Average equity | $123,567,000 | 580 |
| Average total loans | $843,814,000 | 516 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3223% | 5,968 |
| Cost of funding earning assets | 0.1595% | 6,499 |
| Net interest margin | 3.1628% | 5,117 |
| Noninterest income to average assets | 1.4904% | 633 |
| Noninterest expense to average assets | 2.5939% | 4,488 |
| Loan and lease loss provision to assets | 0.0481% | 4,168 |
| Net operating income to assets | 1.2842% | 1,294 |
| Return on assets (ROA) | 1.3301% | 1,222 |
| Pretax return on assets | 1.8671% | 651 |
| Return on Equity (ROE) | 15.7009% | 657 |
| Retained earnings to average equity (ytd only) | 5.5134% | 2,272 |
| Net charge-offs to loans | 0.0812% | 4,075 |
| Credit loss provision to net charge-offs | 103.7258% | 2,338 |
| Earnings coverage of net charge-offs (x) | 39.9449% | 954 |
| Efficiency ratio | 58.3636% | 5,692 |
| Assets per employee ($millions) | 4.5041% | 2,893 |
| Cash dividends to net income (ytd only)* | 64.8845% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9738% | 1,616 |
| Loan loss allowance to noncurrent loans | 723.0332% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 5,832 |
| Noncurrent loans to loans | 0.2730% | 5,358 |
| Net loans and leases to total assets | 57.9084% | 4,049 |
| Net loans and leases to deposits | 70.0620% | 3,776 |
| Net loans and leases to core deposits | 71.6779% | 4,111 |
| Total domestic deposits to total assets | 82.6531% | 4,662 |
| Equity capital to assets | 8.6948% | 5,377 |
| Core capital (leverage) ratio | 7.6156% | 6,334 |
| Tier 1 risk-based capital ratio | 10.7792% | 6,270 |
| Total risk-based capital ratio | 12.0343% | 6,217 |
| Memoranda: | ||
| Average total assets | $1,448,427,600 | 464 |
| Average earning assets | $1,352,768,200 | 455 |
| Average equity | $122,700,200 | 574 |
| Average total loans | $825,872,000 | 501 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3201% | 6,029 |
| Cost of funding earning assets | 0.1687% | 6,560 |
| Net interest margin | 3.1513% | 5,146 |
| Noninterest income to average assets | 1.5027% | 649 |
| Noninterest expense to average assets | 2.6045% | 4,378 |
| Loan and lease loss provision to assets | 0.0601% | 3,847 |
| Net operating income to assets | 1.2680% | 1,435 |
| Return on assets (ROA) | 1.3309% | 1,322 |
| Pretax return on assets | 1.8703% | 758 |
| Return on Equity (ROE) | 15.8122% | 667 |
| Retained earnings to average equity (ytd only) | 7.6515% | 1,566 |
| Net charge-offs to loans | 0.0867% | 3,711 |
| Credit loss provision to net charge-offs | 122.6168% | 1,916 |
| Earnings coverage of net charge-offs (x) | 37.5904% | 1,051 |
| Efficiency ratio | 58.5767% | 5,614 |
| Assets per employee ($millions) | 4.7380% | 2,526 |
| Cash dividends to net income (ytd only)* | 51.6102% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9825% | 1,764 |
| Loan loss allowance to noncurrent loans | 717.1983% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 5,955 |
| Noncurrent loans to loans | 0.2764% | 5,543 |
| Net loans and leases to total assets | 56.7402% | 4,214 |
| Net loans and leases to deposits | 68.0972% | 4,051 |
| Net loans and leases to core deposits | 69.5996% | 4,364 |
| Total domestic deposits to total assets | 83.3224% | 4,453 |
| Equity capital to assets | 8.5471% | 5,677 |
| Core capital (leverage) ratio | 7.7181% | 6,367 |
| Tier 1 risk-based capital ratio | 10.8442% | 6,351 |
| Total risk-based capital ratio | 12.0995% | 6,310 |
| Memoranda: | ||
| Average total assets | $1,455,840,500 | 467 |
| Average earning assets | $1,359,902,250 | 449 |
| Average equity | $122,535,250 | 583 |
| Average total loans | $822,806,500 | 506 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3352% | 6,030 |
| Cost of funding earning assets | 0.1779% | 6,578 |
| Net interest margin | 3.1573% | 5,099 |
| Noninterest income to average assets | 1.5063% | 688 |
| Noninterest expense to average assets | 2.5860% | 4,437 |
| Loan and lease loss provision to assets | 0.0855% | 3,373 |
| Net operating income to assets | 1.2686% | 1,409 |
| Return on assets (ROA) | 1.3531% | 1,268 |
| Pretax return on assets | 1.9025% | 749 |
| Return on Equity (ROE) | 16.1591% | 645 |
| Retained earnings to average equity (ytd only) | 12.0632% | 482 |
| Net charge-offs to loans | 0.0433% | 4,072 |
| Credit loss provision to net charge-offs | 351.9774% | 738 |
| Earnings coverage of net charge-offs (x) | 76.9661% | 589 |
| Efficiency ratio | 58.0482% | 5,729 |
| Assets per employee ($millions) | 4.7073% | 2,499 |
| Cash dividends to net income (ytd only)* | 25.3473% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0917% | 1,645 |
| Loan loss allowance to noncurrent loans | 672.6408% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 5,970 |
| Noncurrent loans to loans | 0.3110% | 5,517 |
| Net loans and leases to total assets | 53.8928% | 4,606 |
| Net loans and leases to deposits | 66.2782% | 4,234 |
| Net loans and leases to core deposits | 67.9604% | 4,502 |
| Total domestic deposits to total assets | 81.3130% | 5,258 |
| Equity capital to assets | 8.4527% | 5,815 |
| Core capital (leverage) ratio | 7.7468% | 6,339 |
| Tier 1 risk-based capital ratio | 11.4633% | 6,127 |
| Total risk-based capital ratio | 12.7201% | 6,091 |
| Memoranda: | ||
| Average total assets | $1,457,840,330 | 464 |
| Average earning assets | $1,361,490,670 | 450 |
| Average equity | $122,073,670 | 586 |
| Average total loans | $817,314,670 | 508 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3596% | 6,029 |
| Cost of funding earning assets | 0.1816% | 6,665 |
| Net interest margin | 3.1780% | 5,005 |
| Noninterest income to average assets | 1.4937% | 694 |
| Noninterest expense to average assets | 2.5428% | 4,606 |
| Loan and lease loss provision to assets | 0.1376% | 2,519 |
| Net operating income to assets | 1.2819% | 1,328 |
| Return on assets (ROA) | 1.2904% | 1,407 |
| Pretax return on assets | 1.7936% | 892 |
| Return on Equity (ROE) | 15.4849% | 681 |
| Retained earnings to average equity (ytd only) | 7.2095% | 2,064 |
| Net charge-offs to loans | -0.1126% | 6,494 |
| Credit loss provision to net charge-offs | -216.0173% | 5,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9857% | 5,969 |
| Assets per employee ($millions) | 4.9607% | 2,267 |
| Cash dividends to net income (ytd only)* | 53.4416% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1014% | 1,792 |
| Loan loss allowance to noncurrent loans | 481.2500% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 5,754 |
| Noncurrent loans to loans | 0.4367% | 5,329 |
| Net loans and leases to total assets | 54.7234% | 4,289 |
| Net loans and leases to deposits | 66.6196% | 3,967 |
| Net loans and leases to core deposits | 67.9082% | 4,309 |
| Total domestic deposits to total assets | 82.1431% | 5,142 |
| Equity capital to assets | 8.2921% | 6,189 |
| Core capital (leverage) ratio | 7.5825% | 6,430 |
| Tier 1 risk-based capital ratio | 10.8398% | 6,471 |
| Total risk-based capital ratio | 12.0968% | 6,439 |
| Memoranda: | ||
| Average total assets | $1,450,075,500 | 467 |
| Average earning assets | $1,354,427,500 | 452 |
| Average equity | $120,840,500 | 605 |
| Average total loans | $820,470,000 | 503 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7399% | 5,969 |
| Cost of funding earning assets | 0.2385% | 6,717 |
| Net interest margin | 3.5014% | 4,494 |
| Noninterest income to average assets | 1.5743% | 639 |
| Noninterest expense to average assets | 2.6555% | 4,555 |
| Loan and lease loss provision to assets | 0.2036% | 3,107 |
| Net operating income to assets | 1.4104% | 1,080 |
| Return on assets (ROA) | 1.4123% | 1,194 |
| Pretax return on assets | 1.9776% | 629 |
| Return on Equity (ROE) | 16.5211% | 592 |
| Retained earnings to average equity (ytd only) | 4.5307% | 3,035 |
| Net charge-offs to loans | 0.1981% | 3,795 |
| Credit loss provision to net charge-offs | 178.1550% | 1,474 |
| Earnings coverage of net charge-offs (x) | 19.0621% | 1,409 |
| Efficiency ratio | 54.9336% | 6,182 |
| Assets per employee ($millions) | 4.6944% | 2,652 |
| Cash dividends to net income (ytd only)* | 72.5765% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 1,984 |
| Loan loss allowance to noncurrent loans | 372.7827% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 5,745 |
| Noncurrent loans to loans | 0.5403% | 5,175 |
| Net loans and leases to total assets | 56.1281% | 4,269 |
| Net loans and leases to deposits | 69.2728% | 3,798 |
| Net loans and leases to core deposits | 71.0096% | 4,167 |
| Total domestic deposits to total assets | 81.0248% | 5,394 |
| Equity capital to assets | 8.3758% | 6,138 |
| Core capital (leverage) ratio | 7.5404% | 6,481 |
| Tier 1 risk-based capital ratio | 10.6075% | 6,510 |
| Total risk-based capital ratio | 11.8637% | 6,472 |
| Memoranda: | ||
| Average total assets | $1,365,878,000 | 488 |
| Average earning assets | $1,271,610,200 | 476 |
| Average equity | $116,759,800 | 615 |
| Average total loans | $788,042,600 | 517 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 6,001 |
| Cost of funding earning assets | 0.2521% | 6,800 |
| Net interest margin | 3.5583% | 4,406 |
| Noninterest income to average assets | 1.5058% | 656 |
| Noninterest expense to average assets | 2.6840% | 4,432 |
| Loan and lease loss provision to assets | 0.2057% | 3,017 |
| Net operating income to assets | 1.3860% | 1,258 |
| Return on assets (ROA) | 1.3891% | 1,373 |
| Pretax return on assets | 1.9356% | 802 |
| Return on Equity (ROE) | 16.1637% | 724 |
| Retained earnings to average equity (ytd only) | 4.0918% | 4,018 |
| Net charge-offs to loans | 0.1643% | 3,811 |
| Credit loss provision to net charge-offs | 216.6493% | 1,282 |
| Earnings coverage of net charge-offs (x) | 22.5057% | 1,352 |
| Efficiency ratio | 55.6731% | 6,089 |
| Assets per employee ($millions) | 4.6022% | 2,743 |
| Cash dividends to net income (ytd only)* | 74.6853% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0655% | 1,998 |
| Loan loss allowance to noncurrent loans | 419.7086% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 5,981 |
| Noncurrent loans to loans | 0.4921% | 5,461 |
| Net loans and leases to total assets | 57.5378% | 4,199 |
| Net loans and leases to deposits | 68.5260% | 4,091 |
| Net loans and leases to core deposits | 70.6313% | 4,415 |
| Total domestic deposits to total assets | 83.9650% | 4,240 |
| Equity capital to assets | 8.7628% | 6,055 |
| Core capital (leverage) ratio | 7.6171% | 6,556 |
| Tier 1 risk-based capital ratio | 10.7615% | 6,581 |
| Total risk-based capital ratio | 12.0182% | 6,557 |
| Memoranda: | ||
| Average total assets | $1,349,401,250 | 497 |
| Average earning assets | $1,257,186,750 | 484 |
| Average equity | $115,969,000 | 618 |
| Average total loans | $780,015,250 | 517 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 6,036 |
| Cost of funding earning assets | 0.2671% | 6,843 |
| Net interest margin | 3.5796% | 4,347 |
| Noninterest income to average assets | 1.4188% | 715 |
| Noninterest expense to average assets | 2.6915% | 4,464 |
| Loan and lease loss provision to assets | 0.2058% | 3,012 |
| Net operating income to assets | 1.3418% | 1,324 |
| Return on assets (ROA) | 1.3464% | 1,470 |
| Pretax return on assets | 1.8616% | 917 |
| Return on Equity (ROE) | 15.7701% | 801 |
| Retained earnings to average equity (ytd only) | 3.6072% | 4,194 |
| Net charge-offs to loans | 0.2124% | 3,296 |
| Credit loss provision to net charge-offs | 168.5298% | 1,658 |
| Earnings coverage of net charge-offs (x) | 16.8809% | 1,558 |
| Efficiency ratio | 56.6332% | 6,049 |
| Assets per employee ($millions) | 4.1684% | 3,525 |
| Cash dividends to net income (ytd only)* | 77.1265% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0160% | 2,187 |
| Loan loss allowance to noncurrent loans | 410.2949% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 6,054 |
| Noncurrent loans to loans | 0.4913% | 5,551 |
| Net loans and leases to total assets | 57.0846% | 4,313 |
| Net loans and leases to deposits | 68.3632% | 4,141 |
| Net loans and leases to core deposits | 70.4416% | 4,477 |
| Total domestic deposits to total assets | 83.5019% | 4,527 |
| Equity capital to assets | 8.6193% | 6,106 |
| Core capital (leverage) ratio | 7.5592% | 6,596 |
| Tier 1 risk-based capital ratio | 10.4528% | 6,712 |
| Total risk-based capital ratio | 11.7084% | 6,693 |
| Memoranda: | ||
| Average total assets | $1,348,188,330 | 501 |
| Average earning assets | $1,255,552,000 | 486 |
| Average equity | $115,104,000 | 615 |
| Average total loans | $775,044,000 | 519 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8693% | 6,091 |
| Cost of funding earning assets | 0.2874% | 6,876 |
| Net interest margin | 3.5819% | 4,344 |
| Noninterest income to average assets | 1.3725% | 770 |
| Noninterest expense to average assets | 2.6652% | 4,565 |
| Loan and lease loss provision to assets | 0.2031% | 2,915 |
| Net operating income to assets | 1.3325% | 1,370 |
| Return on assets (ROA) | 1.3416% | 1,503 |
| Pretax return on assets | 1.8551% | 964 |
| Return on Equity (ROE) | 15.7901% | 836 |
| Retained earnings to average equity (ytd only) | 3.5578% | 4,446 |
| Net charge-offs to loans | 0.0541% | 3,959 |
| Credit loss provision to net charge-offs | 657.6923% | 527 |
| Earnings coverage of net charge-offs (x) | 66.2308% | 505 |
| Efficiency ratio | 56.5782% | 6,064 |
| Assets per employee ($millions) | 4.4911% | 3,011 |
| Cash dividends to net income (ytd only)* | 77.4679% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 2,219 |
| Loan loss allowance to noncurrent loans | 320.0564% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 5,505 |
| Noncurrent loans to loans | 0.6403% | 5,358 |
| Net loans and leases to total assets | 56.7051% | 4,256 |
| Net loans and leases to deposits | 67.5752% | 4,136 |
| Net loans and leases to core deposits | 69.1912% | 4,538 |
| Total domestic deposits to total assets | 83.9140% | 4,534 |
| Equity capital to assets | 8.5976% | 5,995 |
| Core capital (leverage) ratio | 7.4454% | 6,666 |
| Tier 1 risk-based capital ratio | 10.4364% | 6,756 |
| Total risk-based capital ratio | 11.6925% | 6,751 |
| Memoranda: | ||
| Average total assets | $1,347,003,500 | 496 |
| Average earning assets | $1,255,326,000 | 488 |
| Average equity | $114,451,500 | 621 |
| Average total loans | $769,154,500 | 521 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 6,213 |
| Cost of funding earning assets | 0.3899% | 6,920 |
| Net interest margin | 3.7457% | 4,101 |
| Noninterest income to average assets | 1.3643% | 691 |
| Noninterest expense to average assets | 2.7225% | 4,657 |
| Loan and lease loss provision to assets | 0.3265% | 3,074 |
| Net operating income to assets | 1.3010% | 1,249 |
| Return on assets (ROA) | 1.3125% | 1,320 |
| Pretax return on assets | 1.8187% | 778 |
| Return on Equity (ROE) | 15.1072% | 730 |
| Retained earnings to average equity (ytd only) | 2.5716% | 4,398 |
| Net charge-offs to loans | 0.5586% | 2,782 |
| Credit loss provision to net charge-offs | 101.0108% | 3,446 |
| Earnings coverage of net charge-offs (x) | 6.5872% | 2,490 |
| Efficiency ratio | 56.1146% | 6,303 |
| Assets per employee ($millions) | 4.1971% | 3,472 |
| Cash dividends to net income (ytd only)* | 82.9777% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 2,267 |
| Loan loss allowance to noncurrent loans | 161.9350% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 5,172 |
| Noncurrent loans to loans | 1.2373% | 4,297 |
| Net loans and leases to total assets | 55.1925% | 4,856 |
| Net loans and leases to deposits | 66.7421% | 4,632 |
| Net loans and leases to core deposits | 68.1792% | 5,003 |
| Total domestic deposits to total assets | 82.6952% | 4,883 |
| Equity capital to assets | 8.3972% | 6,247 |
| Core capital (leverage) ratio | 7.4504% | 6,677 |
| Tier 1 risk-based capital ratio | 10.8531% | 6,531 |
| Total risk-based capital ratio | 12.1094% | 6,509 |
| Memoranda: | ||
| Average total assets | $1,285,494,400 | 508 |
| Average earning assets | $1,196,808,800 | 499 |
| Average equity | $111,681,800 | 617 |
| Average total loans | $743,788,400 | 553 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1938% | 6,221 |
| Cost of funding earning assets | 0.4166% | 6,974 |
| Net interest margin | 3.7772% | 3,979 |
| Noninterest income to average assets | 1.3278% | 742 |
| Noninterest expense to average assets | 2.7761% | 4,436 |
| Loan and lease loss provision to assets | 0.2904% | 3,193 |
| Net operating income to assets | 1.2875% | 1,413 |
| Return on assets (ROA) | 1.3031% | 1,457 |
| Pretax return on assets | 1.7994% | 958 |
| Return on Equity (ROE) | 14.8658% | 856 |
| Retained earnings to average equity (ytd only) | 4.0691% | 3,834 |
| Net charge-offs to loans | 0.4409% | 2,964 |
| Credit loss provision to net charge-offs | 113.0577% | 2,890 |
| Earnings coverage of net charge-offs (x) | 8.0508% | 2,246 |
| Efficiency ratio | 57.3066% | 6,101 |
| Assets per employee ($millions) | 4.5542% | 2,837 |
| Cash dividends to net income (ytd only)* | 72.6275% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 2,124 |
| Loan loss allowance to noncurrent loans | 160.9486% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 5,215 |
| Noncurrent loans to loans | 1.2905% | 4,376 |
| Net loans and leases to total assets | 56.3766% | 4,784 |
| Net loans and leases to deposits | 68.7130% | 4,482 |
| Net loans and leases to core deposits | 70.2816% | 4,915 |
| Total domestic deposits to total assets | 82.0465% | 5,075 |
| Equity capital to assets | 8.7671% | 6,018 |
| Core capital (leverage) ratio | 7.7836% | 6,580 |
| Tier 1 risk-based capital ratio | 11.2211% | 6,415 |
| Total risk-based capital ratio | 12.4783% | 6,393 |
| Memoranda: | ||
| Average total assets | $1,267,954,000 | 521 |
| Average earning assets | $1,180,424,250 | 506 |
| Average equity | $111,143,000 | 625 |
| Average total loans | $738,856,000 | 561 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 6,313 |
| Cost of funding earning assets | 0.4432% | 7,034 |
| Net interest margin | 3.7412% | 4,076 |
| Noninterest income to average assets | 1.3642% | 682 |
| Noninterest expense to average assets | 2.8248% | 4,328 |
| Loan and lease loss provision to assets | 0.2905% | 3,065 |
| Net operating income to assets | 1.2679% | 1,400 |
| Return on assets (ROA) | 1.2913% | 1,413 |
| Pretax return on assets | 1.7728% | 925 |
| Return on Equity (ROE) | 14.7321% | 849 |
| Retained earnings to average equity (ytd only) | 3.8356% | 3,763 |
| Net charge-offs to loans | 0.3686% | 3,076 |
| Credit loss provision to net charge-offs | 134.6863% | 2,269 |
| Earnings coverage of net charge-offs (x) | 9.4177% | 1,927 |
| Efficiency ratio | 58.1703% | 6,135 |
| Assets per employee ($millions) | 4.2011% | 3,349 |
| Cash dividends to net income (ytd only)* | 73.9645% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1159% | 2,086 |
| Loan loss allowance to noncurrent loans | 159.6224% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 5,142 |
| Noncurrent loans to loans | 1.3256% | 4,435 |
| Net loans and leases to total assets | 57.5320% | 4,718 |
| Net loans and leases to deposits | 70.6802% | 4,339 |
| Net loans and leases to core deposits | 71.9861% | 4,820 |
| Total domestic deposits to total assets | 81.3976% | 5,389 |
| Equity capital to assets | 8.8782% | 5,733 |
| Core capital (leverage) ratio | 7.7797% | 6,527 |
| Tier 1 risk-based capital ratio | 11.1674% | 6,401 |
| Total risk-based capital ratio | 12.4250% | 6,394 |
| Memoranda: | ||
| Average total assets | $1,256,442,330 | 531 |
| Average earning assets | $1,172,711,330 | 511 |
| Average equity | $110,127,000 | 634 |
| Average total loans | $735,183,330 | 576 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 6,336 |
| Cost of funding earning assets | 0.4758% | 7,044 |
| Net interest margin | 3.6982% | 4,120 |
| Noninterest income to average assets | 1.3865% | 677 |
| Noninterest expense to average assets | 2.8815% | 4,144 |
| Loan and lease loss provision to assets | 0.2913% | 2,826 |
| Net operating income to assets | 1.2162% | 1,484 |
| Return on assets (ROA) | 1.2645% | 1,410 |
| Pretax return on assets | 1.7327% | 922 |
| Return on Equity (ROE) | 14.5208% | 906 |
| Retained earnings to average equity (ytd only) | 3.5174% | 4,073 |
| Net charge-offs to loans | 0.3879% | 2,523 |
| Credit loss provision to net charge-offs | 128.6319% | 2,149 |
| Earnings coverage of net charge-offs (x) | 8.6460% | 1,804 |
| Efficiency ratio | 59.5433% | 6,050 |
| Assets per employee ($millions) | 4.3252% | 3,195 |
| Cash dividends to net income (ytd only)* | 75.7767% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1342% | 2,110 |
| Loan loss allowance to noncurrent loans | 128.9755% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0224% | 4,862 |
| Noncurrent loans to loans | 1.6548% | 3,996 |
| Net loans and leases to total assets | 55.7461% | 5,037 |
| Net loans and leases to deposits | 68.6543% | 4,583 |
| Net loans and leases to core deposits | 69.7983% | 5,064 |
| Total domestic deposits to total assets | 81.1982% | 5,607 |
| Equity capital to assets | 8.6111% | 5,760 |
| Core capital (leverage) ratio | 7.8113% | 6,456 |
| Tier 1 risk-based capital ratio | 11.2305% | 6,326 |
| Total risk-based capital ratio | 12.4881% | 6,290 |
| Memoranda: | ||
| Average total assets | $1,252,401,000 | 532 |
| Average earning assets | $1,169,311,500 | 518 |
| Average equity | $109,057,000 | 635 |
| Average total loans | $731,159,000 | 584 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 6,295 |
| Cost of funding earning assets | 0.6908% | 6,910 |
| Net interest margin | 3.8453% | 3,754 |
| Noninterest income to average assets | 1.4995% | 646 |
| Noninterest expense to average assets | 2.8597% | 4,376 |
| Loan and lease loss provision to assets | 0.4533% | 3,404 |
| Net operating income to assets | 1.2582% | 1,273 |
| Return on assets (ROA) | 1.2490% | 1,366 |
| Pretax return on assets | 1.7440% | 865 |
| Return on Equity (ROE) | 14.3911% | 817 |
| Retained earnings to average equity (ytd only) | 5.9302% | 1,856 |
| Net charge-offs to loans | 0.5900% | 3,263 |
| Credit loss provision to net charge-offs | 128.9761% | 3,094 |
| Earnings coverage of net charge-offs (x) | 6.2884% | 2,391 |
| Efficiency ratio | 56.4089% | 6,543 |
| Assets per employee ($millions) | 3.8658% | 4,094 |
| Cash dividends to net income (ytd only)* | 58.7928% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0673% | 2,139 |
| Loan loss allowance to noncurrent loans | 123.2410% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.2033% | 4,618 |
| Noncurrent loans to loans | 1.6774% | 3,982 |
| Net loans and leases to total assets | 58.6065% | 4,935 |
| Net loans and leases to deposits | 73.5501% | 4,270 |
| Net loans and leases to core deposits | 74.8007% | 4,873 |
| Total domestic deposits to total assets | 79.6824% | 5,917 |
| Equity capital to assets | 8.8075% | 5,421 |
| Core capital (leverage) ratio | 7.6787% | 6,563 |
| Tier 1 risk-based capital ratio | 10.6663% | 6,595 |
| Total risk-based capital ratio | 11.9227% | 6,559 |
| Memoranda: | ||
| Average total assets | $1,225,572,200 | 549 |
| Average earning assets | $1,137,847,200 | 533 |
| Average equity | $106,371,000 | 634 |
| Average total loans | $730,027,400 | 598 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 6,410 |
| Cost of funding earning assets | 0.7419% | 6,939 |
| Net interest margin | 3.8312% | 3,836 |
| Noninterest income to average assets | 1.3868% | 708 |
| Noninterest expense to average assets | 2.9089% | 4,054 |
| Loan and lease loss provision to assets | 0.4170% | 3,402 |
| Net operating income to assets | 1.1725% | 1,665 |
| Return on assets (ROA) | 1.1602% | 1,798 |
| Pretax return on assets | 1.5968% | 1,356 |
| Return on Equity (ROE) | 13.4174% | 1,157 |
| Retained earnings to average equity (ytd only) | 5.8569% | 2,436 |
| Net charge-offs to loans | 0.5252% | 3,197 |
| Credit loss provision to net charge-offs | 133.4379% | 3,027 |
| Earnings coverage of net charge-offs (x) | 6.4983% | 2,510 |
| Efficiency ratio | 58.8896% | 6,124 |
| Assets per employee ($millions) | 4.2236% | 3,401 |
| Cash dividends to net income (ytd only)* | 56.3486% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0308% | 2,147 |
| Loan loss allowance to noncurrent loans | 108.9301% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 1.3533% | 4,459 |
| Noncurrent loans to loans | 1.8643% | 3,850 |
| Net loans and leases to total assets | 58.1472% | 5,240 |
| Net loans and leases to deposits | 71.3315% | 4,938 |
| Net loans and leases to core deposits | 72.4499% | 5,461 |
| Total domestic deposits to total assets | 81.5169% | 5,195 |
| Equity capital to assets | 8.8061% | 5,853 |
| Core capital (leverage) ratio | 7.8052% | 6,565 |
| Tier 1 risk-based capital ratio | 10.8014% | 6,546 |
| Total risk-based capital ratio | 12.0580% | 6,526 |
| Memoranda: | ||
| Average total assets | $1,223,669,750 | 544 |
| Average earning assets | $1,134,717,500 | 529 |
| Average equity | $105,810,500 | 629 |
| Average total loans | $728,039,000 | 598 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 6,496 |
| Cost of funding earning assets | 0.7988% | 6,918 |
| Net interest margin | 3.7878% | 3,947 |
| Noninterest income to average assets | 1.3713% | 669 |
| Noninterest expense to average assets | 2.8808% | 4,145 |
| Loan and lease loss provision to assets | 0.3932% | 3,357 |
| Net operating income to assets | 1.1706% | 1,645 |
| Return on assets (ROA) | 1.1521% | 1,754 |
| Pretax return on assets | 1.5793% | 1,359 |
| Return on Equity (ROE) | 13.4072% | 1,157 |
| Retained earnings to average equity (ytd only) | 7.6727% | 1,566 |
| Net charge-offs to loans | 0.3269% | 3,690 |
| Credit loss provision to net charge-offs | 202.0253% | 1,933 |
| Earnings coverage of net charge-offs (x) | 10.2650% | 1,915 |
| Efficiency ratio | 59.0479% | 6,210 |
| Assets per employee ($millions) | 4.0233% | 3,731 |
| Cash dividends to net income (ytd only)* | 42.7716% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0917% | 1,975 |
| Loan loss allowance to noncurrent loans | 207.9962% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 5,324 |
| Noncurrent loans to loans | 1.0056% | 5,303 |
| Net loans and leases to total assets | 58.4286% | 5,346 |
| Net loans and leases to deposits | 71.7113% | 5,038 |
| Net loans and leases to core deposits | 73.2465% | 5,529 |
| Total domestic deposits to total assets | 81.4774% | 5,207 |
| Equity capital to assets | 8.8629% | 5,656 |
| Core capital (leverage) ratio | 7.8000% | 6,498 |
| Tier 1 risk-based capital ratio | 10.6790% | 6,544 |
| Total risk-based capital ratio | 11.9359% | 6,530 |
| Memoranda: | ||
| Average total assets | $1,217,644,330 | 550 |
| Average earning assets | $1,127,508,670 | 535 |
| Average equity | $104,630,670 | 630 |
| Average total loans | $725,049,330 | 604 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 6,650 |
| Cost of funding earning assets | 0.8365% | 6,981 |
| Net interest margin | 3.7256% | 4,121 |
| Noninterest income to average assets | 1.2688% | 760 |
| Noninterest expense to average assets | 2.8662% | 4,200 |
| Loan and lease loss provision to assets | 0.2511% | 4,032 |
| Net operating income to assets | 1.1555% | 1,663 |
| Return on assets (ROA) | 1.1557% | 1,740 |
| Pretax return on assets | 1.6080% | 1,247 |
| Return on Equity (ROE) | 13.6645% | 1,112 |
| Retained earnings to average equity (ytd only) | 2.0054% | 4,930 |
| Net charge-offs to loans | 0.0851% | 4,569 |
| Credit loss provision to net charge-offs | 496.1039% | 861 |
| Earnings coverage of net charge-offs (x) | 36.7208% | 748 |
| Efficiency ratio | 60.6609% | 6,064 |
| Assets per employee ($millions) | 4.1482% | 3,565 |
| Cash dividends to net income (ytd only)* | 85.3242% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0220% | 2,130 |
| Loan loss allowance to noncurrent loans | 198.3985% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 5,166 |
| Noncurrent loans to loans | 1.0192% | 5,293 |
| Net loans and leases to total assets | 58.0799% | 5,424 |
| Net loans and leases to deposits | 72.3981% | 4,999 |
| Net loans and leases to core deposits | 74.0972% | 5,490 |
| Total domestic deposits to total assets | 80.2229% | 5,711 |
| Equity capital to assets | 8.4686% | 6,045 |
| Core capital (leverage) ratio | 7.5682% | 6,774 |
| Tier 1 risk-based capital ratio | 10.6109% | 6,528 |
| Total risk-based capital ratio | 11.8676% | 6,519 |
| Memoranda: | ||
| Average total assets | $1,216,937,500 | 566 |
| Average earning assets | $1,128,931,500 | 549 |
| Average equity | $102,924,000 | 646 |
| Average total loans | $723,826,500 | 624 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 6,632 |
| Cost of funding earning assets | 1.0754% | 7,046 |
| Net interest margin | 3.8561% | 3,456 |
| Noninterest income to average assets | 1.6034% | 560 |
| Noninterest expense to average assets | 3.1262% | 3,630 |
| Loan and lease loss provision to assets | 0.4327% | 4,232 |
| Net operating income to assets | 1.1672% | 1,340 |
| Return on assets (ROA) | 1.1583% | 1,390 |
| Pretax return on assets | 1.6228% | 917 |
| Return on Equity (ROE) | 14.7327% | 699 |
| Retained earnings to average equity (ytd only) | 6.4892% | 1,152 |
| Net charge-offs to loans | 0.4770% | 3,873 |
| Credit loss provision to net charge-offs | 140.0951% | 3,476 |
| Earnings coverage of net charge-offs (x) | 6.6959% | 2,310 |
| Efficiency ratio | 60.1860% | 6,464 |
| Assets per employee ($millions) | 3.7711% | 4,351 |
| Cash dividends to net income (ytd only)* | 55.9534% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9329% | 2,183 |
| Loan loss allowance to noncurrent loans | 227.4765% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 5,286 |
| Noncurrent loans to loans | 0.8497% | 5,595 |
| Net loans and leases to total assets | 58.5275% | 5,571 |
| Net loans and leases to deposits | 72.9824% | 5,194 |
| Net loans and leases to core deposits | 80.4546% | 6,045 |
| Total domestic deposits to total assets | 80.1940% | 5,616 |
| Equity capital to assets | 8.4466% | 5,976 |
| Core capital (leverage) ratio | 7.6672% | 6,590 |
| Tier 1 risk-based capital ratio | 10.4722% | 6,424 |
| Total risk-based capital ratio | 11.7268% | 6,391 |
| Memoranda: | ||
| Average total assets | $1,157,197,400 | 578 |
| Average earning assets | $1,077,599,000 | 559 |
| Average equity | $90,981,400 | 714 |
| Average total loans | $749,234,200 | 613 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 6,677 |
| Cost of funding earning assets | 1.1444% | 7,055 |
| Net interest margin | 3.8314% | 3,519 |
| Noninterest income to average assets | 1.6161% | 562 |
| Noninterest expense to average assets | 3.1947% | 3,317 |
| Loan and lease loss provision to assets | 0.4438% | 3,689 |
| Net operating income to assets | 1.0939% | 1,751 |
| Return on assets (ROA) | 1.0944% | 1,810 |
| Pretax return on assets | 1.5514% | 1,276 |
| Return on Equity (ROE) | 14.1996% | 893 |
| Retained earnings to average equity (ytd only) | 8.1450% | 1,096 |
| Net charge-offs to loans | 0.4542% | 3,416 |
| Credit loss provision to net charge-offs | 147.8430% | 3,272 |
| Earnings coverage of net charge-offs (x) | 6.6448% | 2,560 |
| Efficiency ratio | 61.5642% | 6,181 |
| Assets per employee ($millions) | 3.7631% | 4,282 |
| Cash dividends to net income (ytd only)* | 42.6394% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 2,069 |
| Loan loss allowance to noncurrent loans | 144.9297% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.1865% | 4,697 |
| Noncurrent loans to loans | 1.3007% | 4,765 |
| Net loans and leases to total assets | 63.8656% | 4,895 |
| Net loans and leases to deposits | 78.2240% | 4,710 |
| Net loans and leases to core deposits | 86.9635% | 5,761 |
| Total domestic deposits to total assets | 81.6445% | 4,823 |
| Equity capital to assets | 8.2684% | 6,539 |
| Core capital (leverage) ratio | 7.6333% | 6,822 |
| Tier 1 risk-based capital ratio | 10.5986% | 6,345 |
| Total risk-based capital ratio | 11.8546% | 6,312 |
| Memoranda: | ||
| Average total assets | $1,142,921,500 | 592 |
| Average earning assets | $1,065,880,750 | 581 |
| Average equity | $88,085,000 | 744 |
| Average total loans | $755,365,750 | 621 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 6,970 |
| Cost of funding earning assets | 1.1857% | 7,147 |
| Net interest margin | 3.7413% | 3,790 |
| Noninterest income to average assets | 1.6786% | 521 |
| Noninterest expense to average assets | 3.1762% | 3,409 |
| Loan and lease loss provision to assets | 0.4937% | 3,071 |
| Net operating income to assets | 1.0555% | 1,930 |
| Return on assets (ROA) | 1.0562% | 2,003 |
| Pretax return on assets | 1.4954% | 1,454 |
| Return on Equity (ROE) | 14.0382% | 983 |
| Retained earnings to average equity (ytd only) | 8.2535% | 1,132 |
| Net charge-offs to loans | 0.5601% | 2,648 |
| Credit loss provision to net charge-offs | 132.7094% | 3,521 |
| Earnings coverage of net charge-offs (x) | 5.3439% | 2,853 |
| Efficiency ratio | 61.5035% | 6,314 |
| Assets per employee ($millions) | 3.8010% | 4,095 |
| Cash dividends to net income (ytd only)* | 41.2065% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8196% | 1,994 |
| Loan loss allowance to noncurrent loans | 116.6227% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2418% | 4,451 |
| Noncurrent loans to loans | 1.5603% | 4,157 |
| Net loans and leases to total assets | 61.9823% | 5,361 |
| Net loans and leases to deposits | 76.1465% | 5,151 |
| Net loans and leases to core deposits | 86.4760% | 5,851 |
| Total domestic deposits to total assets | 81.3987% | 4,927 |
| Equity capital to assets | 7.7274% | 7,043 |
| Core capital (leverage) ratio | 7.4171% | 7,117 |
| Tier 1 risk-based capital ratio | 10.4503% | 6,427 |
| Total risk-based capital ratio | 11.7055% | 6,369 |
| Memoranda: | ||
| Average total assets | $1,148,842,330 | 604 |
| Average earning assets | $1,070,385,670 | 592 |
| Average equity | $86,435,670 | 763 |
| Average total loans | $763,022,670 | 634 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 7,090 |
| Cost of funding earning assets | 1.2164% | 7,265 |
| Net interest margin | 3.7168% | 3,822 |
| Noninterest income to average assets | 1.7082% | 465 |
| Noninterest expense to average assets | 3.0865% | 3,427 |
| Loan and lease loss provision to assets | 0.6331% | 1,993 |
| Net operating income to assets | 1.0256% | 2,206 |
| Return on assets (ROA) | 1.0256% | 2,349 |
| Pretax return on assets | 1.4467% | 1,825 |
| Return on Equity (ROE) | 13.8198% | 1,200 |
| Retained earnings to average equity (ytd only) | 2.0563% | 4,718 |
| Net charge-offs to loans | 0.4576% | 2,307 |
| Credit loss provision to net charge-offs | 203.2511% | 2,187 |
| Earnings coverage of net charge-offs (x) | 6.6771% | 2,456 |
| Efficiency ratio | 59.7432% | 6,439 |
| Assets per employee ($millions) | 3.7935% | 4,113 |
| Cash dividends to net income (ytd only)* | 85.1209% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 1,994 |
| Loan loss allowance to noncurrent loans | 105.0599% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.4231% | 3,805 |
| Noncurrent loans to loans | 1.6616% | 3,780 |
| Net loans and leases to total assets | 65.2264% | 4,760 |
| Net loans and leases to deposits | 80.5303% | 4,530 |
| Net loans and leases to core deposits | 90.7298% | 5,484 |
| Total domestic deposits to total assets | 80.9962% | 4,971 |
| Equity capital to assets | 7.3464% | 7,459 |
| Core capital (leverage) ratio | 7.2392% | 7,439 |
| Tier 1 risk-based capital ratio | 9.8868% | 7,052 |
| Total risk-based capital ratio | 11.1421% | 6,937 |
| Memoranda: | ||
| Average total assets | $1,145,511,000 | 607 |
| Average earning assets | $1,065,746,500 | 595 |
| Average equity | $85,008,500 | 779 |
| Average total loans | $779,793,000 | 633 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6809% | 6,835 |
| Cost of funding earning assets | 1.7066% | 7,245 |
| Net interest margin | 3.9743% | 3,241 |
| Noninterest income to average assets | 1.3971% | 738 |
| Noninterest expense to average assets | 2.9275% | 4,348 |
| Loan and lease loss provision to assets | 0.3888% | 3,358 |
| Net operating income to assets | 1.1974% | 1,776 |
| Return on assets (ROA) | 1.1974% | 1,708 |
| Pretax return on assets | 1.7595% | 1,025 |
| Return on Equity (ROE) | 15.5721% | 839 |
| Retained earnings to average equity (ytd only) | 2.9587% | 3,331 |
| Net charge-offs to loans | 0.4009% | 2,809 |
| Credit loss provision to net charge-offs | 137.8644% | 3,862 |
| Earnings coverage of net charge-offs (x) | 7.6181% | 3,068 |
| Efficiency ratio | 57.6758% | 6,756 |
| Assets per employee ($millions) | 3.6104% | 4,390 |
| Cash dividends to net income (ytd only)* | 80.9998% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 2,252 |
| Loan loss allowance to noncurrent loans | 158.5550% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.0097% | 4,302 |
| Noncurrent loans to loans | 1.0084% | 4,570 |
| Net loans and leases to total assets | 68.7032% | 4,320 |
| Net loans and leases to deposits | 84.1559% | 4,404 |
| Net loans and leases to core deposits | 94.5539% | 5,398 |
| Total domestic deposits to total assets | 81.6380% | 4,353 |
| Equity capital to assets | 7.4982% | 7,379 |
| Core capital (leverage) ratio | 7.4572% | 7,253 |
| Tier 1 risk-based capital ratio | 9.8230% | 6,932 |
| Total risk-based capital ratio | 11.0769% | 6,812 |
| Memoranda: | ||
| Average total assets | $1,082,635,400 | 612 |
| Average earning assets | $1,002,116,200 | 598 |
| Average equity | $83,244,800 | 803 |
| Average total loans | $761,542,000 | 629 |