Home > Central Bank of the Midwest > Performance and Condition Ratios
Central Bank of the Midwest, 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 | 3.1657% | 3,671 |
| Cost of funding earning assets | 0.0768% | 4,651 |
| Net interest margin | 3.0889% | 3,086 |
| Noninterest income to average assets | 0.8754% | 1,309 |
| Noninterest expense to average assets | 2.0490% | 3,527 |
| Loan and lease loss provision to assets | 0.0657% | 1,681 |
| Net operating income to assets | 1.2037% | 2,158 |
| Return on assets (ROA) | 1.2073% | 2,202 |
| Pretax return on assets | 1.5613% | 1,820 |
| Return on Equity (ROE) | 9.2831% | 3,008 |
| Retained earnings to average equity (ytd only) | 6.4192% | 2,639 |
| Net charge-offs to loans | 0.1524% | 545 |
| Credit loss provision to net charge-offs | 79.1514% | 1,718 |
| Earnings coverage of net charge-offs (x) | 19.5496% | 1,757 |
| Efficiency ratio | 53.4465% | 3,877 |
| Assets per employee ($millions) | 9.8771% | 662 |
| Cash dividends to net income (ytd only)* | 30.8503% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 3,023 |
| Loan loss allowance to noncurrent loans | 225.0538% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 2,356 |
| Noncurrent loans to loans | 0.5301% | 1,983 |
| Net loans and leases to total assets | 50.7951% | 3,314 |
| Net loans and leases to deposits | 61.5198% | 3,094 |
| Net loans and leases to core deposits | 62.2465% | 3,295 |
| Total domestic deposits to total assets | 82.5670% | 3,807 |
| Equity capital to assets | 12.8589% | 1,034 |
| Core capital (leverage) ratio | 8.5813% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7191% | 2,084 |
| Memoranda: | ||
| Average total assets | $3,937,681,750 | 306 |
| Average earning assets | $3,564,351,250 | 308 |
| Average equity | $512,114,500 | 267 |
| Average total loans | $2,143,996,250 | 347 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1982% | 3,686 |
| Cost of funding earning assets | 0.0850% | 4,668 |
| Net interest margin | 3.1132% | 2,996 |
| Noninterest income to average assets | 0.8527% | 1,387 |
| Noninterest expense to average assets | 2.0856% | 3,430 |
| Loan and lease loss provision to assets | 0.0915% | 1,370 |
| Net operating income to assets | 1.1529% | 2,356 |
| Return on assets (ROA) | 1.1576% | 2,402 |
| Pretax return on assets | 1.4958% | 2,027 |
| Return on Equity (ROE) | 8.8658% | 3,142 |
| Retained earnings to average equity (ytd only) | 4.9253% | 3,212 |
| Net charge-offs to loans | 0.0380% | 1,252 |
| Credit loss provision to net charge-offs | 433.6585% | 729 |
| Earnings coverage of net charge-offs (x) | 74.9610% | 868 |
| Efficiency ratio | 54.4683% | 3,745 |
| Assets per employee ($millions) | 8.9287% | 885 |
| Cash dividends to net income (ytd only)* | 44.4464% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,630 |
| Loan loss allowance to noncurrent loans | 207.0425% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 2,253 |
| Noncurrent loans to loans | 0.6094% | 1,880 |
| Net loans and leases to total assets | 52.5042% | 3,295 |
| Net loans and leases to deposits | 63.3922% | 3,064 |
| Net loans and leases to core deposits | 64.1636% | 3,274 |
| Total domestic deposits to total assets | 82.8243% | 3,743 |
| Equity capital to assets | 12.8154% | 1,011 |
| Core capital (leverage) ratio | 8.3626% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5594% | 2,140 |
| Memoranda: | ||
| Average total assets | $3,887,203,667 | 308 |
| Average earning assets | $3,513,746,000 | 309 |
| Average equity | $507,547,667 | 267 |
| Average total loans | $2,157,944,667 | 345 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3122% | 3,418 |
| Cost of funding earning assets | 0.0944% | 4,686 |
| Net interest margin | 3.2178% | 2,641 |
| Noninterest income to average assets | 0.8585% | 1,432 |
| Noninterest expense to average assets | 2.1444% | 3,290 |
| Loan and lease loss provision to assets | 0.1238% | 1,109 |
| Net operating income to assets | 1.1546% | 2,318 |
| Return on assets (ROA) | 1.1546% | 2,385 |
| Pretax return on assets | 1.4909% | 2,022 |
| Return on Equity (ROE) | 8.7579% | 3,118 |
| Retained earnings to average equity (ytd only) | 0.8193% | 4,249 |
| Net charge-offs to loans | 0.0828% | 779 |
| Credit loss provision to net charge-offs | 263.4744% | 796 |
| Earnings coverage of net charge-offs (x) | 34.3608% | 1,039 |
| Efficiency ratio | 54.6566% | 3,716 |
| Assets per employee ($millions) | 8.2406% | 1,084 |
| Cash dividends to net income (ytd only)* | 90.6454% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,902 |
| Loan loss allowance to noncurrent loans | 293.7402% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 2,682 |
| Noncurrent loans to loans | 0.4105% | 2,634 |
| Net loans and leases to total assets | 54.5344% | 3,187 |
| Net loans and leases to deposits | 65.8578% | 2,930 |
| Net loans and leases to core deposits | 66.7210% | 3,181 |
| Total domestic deposits to total assets | 82.8063% | 3,740 |
| Equity capital to assets | 12.7395% | 982 |
| Core capital (leverage) ratio | 8.4615% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9673% | 2,299 |
| Memoranda: | ||
| Average total assets | $3,821,853,500 | 308 |
| Average earning assets | $3,445,043,500 | 314 |
| Average equity | $503,866,500 | 268 |
| Average total loans | $2,168,654,000 | 344 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 3,005 |
| Cost of funding earning assets | 0.1787% | 4,650 |
| Net interest margin | 3.7293% | 1,708 |
| Noninterest income to average assets | 0.9511% | 1,148 |
| Noninterest expense to average assets | 2.4144% | 3,100 |
| Loan and lease loss provision to assets | 0.2895% | 1,309 |
| Net operating income to assets | 1.2141% | 1,507 |
| Return on assets (ROA) | 1.2138% | 1,618 |
| Pretax return on assets | 1.5618% | 1,163 |
| Return on Equity (ROE) | 8.7426% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.0347% | 1,040 |
| Net charge-offs to loans | 0.1622% | 1,014 |
| Credit loss provision to net charge-offs | 287.0207% | 1,785 |
| Earnings coverage of net charge-offs (x) | 18.3558% | 2,027 |
| Efficiency ratio | 54.3146% | 4,179 |
| Assets per employee ($millions) | 7.1201% | 1,497 |
| Cash dividends to net income (ytd only)* | 8.0970% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,009 |
| Loan loss allowance to noncurrent loans | 273.2621% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 2,440 |
| Noncurrent loans to loans | 0.4348% | 2,668 |
| Net loans and leases to total assets | 57.7051% | 3,120 |
| Net loans and leases to deposits | 70.1579% | 2,867 |
| Net loans and leases to core deposits | 71.1834% | 3,161 |
| Total domestic deposits to total assets | 82.2502% | 3,603 |
| Equity capital to assets | 13.6604% | 886 |
| Core capital (leverage) ratio | 8.7837% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3436% | 2,108 |
| Memoranda: | ||
| Average total assets | $3,154,280,000 | 328 |
| Average earning assets | $2,803,923,200 | 331 |
| Average equity | $437,923,800 | 283 |
| Average total loans | $1,961,573,000 | 360 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 3,034 |
| Cost of funding earning assets | 0.1992% | 4,680 |
| Net interest margin | 3.7792% | 1,683 |
| Noninterest income to average assets | 0.9142% | 1,186 |
| Noninterest expense to average assets | 2.4800% | 2,908 |
| Loan and lease loss provision to assets | 0.2677% | 1,521 |
| Net operating income to assets | 1.1808% | 1,706 |
| Return on assets (ROA) | 1.1805% | 1,827 |
| Pretax return on assets | 1.5157% | 1,418 |
| Return on Equity (ROE) | 8.4617% | 2,616 |
| Retained earnings to average equity (ytd only) | 7.4810% | 1,502 |
| Net charge-offs to loans | 0.1751% | 847 |
| Credit loss provision to net charge-offs | 241.3450% | 1,957 |
| Earnings coverage of net charge-offs (x) | 16.0812% | 2,069 |
| Efficiency ratio | 55.8783% | 3,931 |
| Assets per employee ($millions) | 6.8736% | 1,581 |
| Cash dividends to net income (ytd only)* | 11.5901% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,369 |
| Loan loss allowance to noncurrent loans | 229.5329% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 2,371 |
| Noncurrent loans to loans | 0.4656% | 2,660 |
| Net loans and leases to total assets | 59.8310% | 3,248 |
| Net loans and leases to deposits | 73.0422% | 3,029 |
| Net loans and leases to core deposits | 74.2494% | 3,302 |
| Total domestic deposits to total assets | 81.9129% | 3,444 |
| Equity capital to assets | 13.7436% | 926 |
| Core capital (leverage) ratio | 8.5482% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7668% | 2,296 |
| Memoranda: | ||
| Average total assets | $3,020,796,750 | 330 |
| Average earning assets | $2,677,323,250 | 335 |
| Average equity | $421,449,000 | 285 |
| Average total loans | $1,913,497,000 | 362 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 2,887 |
| Cost of funding earning assets | 0.2292% | 4,686 |
| Net interest margin | 3.9297% | 1,499 |
| Noninterest income to average assets | 0.8288% | 1,353 |
| Noninterest expense to average assets | 2.5328% | 2,872 |
| Loan and lease loss provision to assets | 0.2941% | 1,463 |
| Net operating income to assets | 1.1515% | 1,793 |
| Return on assets (ROA) | 1.1515% | 1,925 |
| Pretax return on assets | 1.4742% | 1,518 |
| Return on Equity (ROE) | 8.2021% | 2,662 |
| Retained earnings to average equity (ytd only) | 6.6425% | 1,801 |
| Net charge-offs to loans | 0.2253% | 692 |
| Credit loss provision to net charge-offs | 202.2341% | 1,904 |
| Earnings coverage of net charge-offs (x) | 12.1593% | 2,068 |
| Efficiency ratio | 56.6678% | 3,865 |
| Assets per employee ($millions) | 6.8407% | 1,538 |
| Cash dividends to net income (ytd only)* | 19.0137% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 3,651 |
| Loan loss allowance to noncurrent loans | 222.9113% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 2,386 |
| Noncurrent loans to loans | 0.4415% | 2,835 |
| Net loans and leases to total assets | 61.1564% | 3,198 |
| Net loans and leases to deposits | 74.5208% | 3,025 |
| Net loans and leases to core deposits | 75.7440% | 3,305 |
| Total domestic deposits to total assets | 82.0662% | 3,351 |
| Equity capital to assets | 13.5041% | 983 |
| Core capital (leverage) ratio | 8.5832% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9426% | 2,639 |
| Memoranda: | ||
| Average total assets | $2,831,729,667 | 343 |
| Average earning assets | $2,502,073,000 | 354 |
| Average equity | $397,558,333 | 295 |
| Average total loans | $1,828,020,000 | 368 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,953 |
| Cost of funding earning assets | 0.2853% | 4,700 |
| Net interest margin | 4.0057% | 1,377 |
| Noninterest income to average assets | 0.9307% | 994 |
| Noninterest expense to average assets | 2.6026% | 2,975 |
| Loan and lease loss provision to assets | 0.2474% | 1,253 |
| Net operating income to assets | 1.2497% | 1,379 |
| Return on assets (ROA) | 1.2497% | 1,481 |
| Pretax return on assets | 1.5956% | 1,064 |
| Return on Equity (ROE) | 8.6613% | 2,254 |
| Retained earnings to average equity (ytd only) | 5.2789% | 2,160 |
| Net charge-offs to loans | 0.3706% | 387 |
| Credit loss provision to net charge-offs | 100.2637% | 1,807 |
| Earnings coverage of net charge-offs (x) | 7.4680% | 1,918 |
| Efficiency ratio | 56.7351% | 4,138 |
| Assets per employee ($millions) | 6.0118% | 1,674 |
| Cash dividends to net income (ytd only)* | 39.0523% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 2,844 |
| Loan loss allowance to noncurrent loans | 156.8345% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 1,929 |
| Noncurrent loans to loans | 0.7437% | 2,145 |
| Net loans and leases to total assets | 64.3418% | 3,021 |
| Net loans and leases to deposits | 79.3855% | 2,743 |
| Net loans and leases to core deposits | 80.3951% | 3,162 |
| Total domestic deposits to total assets | 81.0499% | 3,655 |
| Equity capital to assets | 14.2872% | 968 |
| Core capital (leverage) ratio | 9.0953% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8445% | 3,145 |
| Memoranda: | ||
| Average total assets | $2,458,755,000 | 376 |
| Average earning assets | $2,157,514,000 | 387 |
| Average equity | $354,771,500 | 319 |
| Average total loans | $1,637,168,000 | 394 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 3,032 |
| Cost of funding earning assets | 0.3123% | 4,701 |
| Net interest margin | 4.1601% | 1,394 |
| Noninterest income to average assets | 1.0432% | 875 |
| Noninterest expense to average assets | 2.8025% | 2,594 |
| Loan and lease loss provision to assets | 0.1857% | 1,109 |
| Net operating income to assets | 1.3791% | 1,415 |
| Return on assets (ROA) | 1.3795% | 1,491 |
| Pretax return on assets | 1.7299% | 1,108 |
| Return on Equity (ROE) | 9.6608% | 2,450 |
| Retained earnings to average equity (ytd only) | -3.9558% | 4,949 |
| Net charge-offs to loans | 0.2430% | 846 |
| Credit loss provision to net charge-offs | 111.6235% | 2,243 |
| Earnings coverage of net charge-offs (x) | 11.5114% | 2,486 |
| Efficiency ratio | 58.6794% | 3,884 |
| Assets per employee ($millions) | 5.2290% | 2,317 |
| Cash dividends to net income (ytd only)* | 140.9470% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 2,647 |
| Loan loss allowance to noncurrent loans | 131.0314% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 1,557 |
| Noncurrent loans to loans | 0.8844% | 1,737 |
| Net loans and leases to total assets | 67.3392% | 2,782 |
| Net loans and leases to deposits | 83.3697% | 2,402 |
| Net loans and leases to core deposits | 84.4851% | 2,908 |
| Total domestic deposits to total assets | 80.7718% | 3,813 |
| Equity capital to assets | 14.5763% | 911 |
| Core capital (leverage) ratio | 11.2728% | 2,268 |
| Tier 1 risk-based capital ratio | 10.5280% | 5,013 |
| Total risk-based capital ratio | 11.5217% | 5,020 |
| Memoranda: | ||
| Average total assets | $1,902,983,600 | 443 |
| Average earning assets | $1,680,826,400 | 459 |
| Average equity | $271,727,600 | 374 |
| Average total loans | $1,302,863,400 | 462 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 2,518 |
| Cost of funding earning assets | 0.3378% | 4,697 |
| Net interest margin | 4.3258% | 1,115 |
| Noninterest income to average assets | 1.1076% | 743 |
| Noninterest expense to average assets | 2.9139% | 2,214 |
| Loan and lease loss provision to assets | 0.1894% | 945 |
| Net operating income to assets | 1.4321% | 1,378 |
| Return on assets (ROA) | 1.4327% | 1,432 |
| Pretax return on assets | 1.8413% | 996 |
| Return on Equity (ROE) | 10.1050% | 2,386 |
| Retained earnings to average equity (ytd only) | 0.0450% | 4,748 |
| Net charge-offs to loans | 0.2543% | 695 |
| Credit loss provision to net charge-offs | 108.6096% | 2,111 |
| Earnings coverage of net charge-offs (x) | 11.6405% | 2,428 |
| Efficiency ratio | 58.3294% | 3,888 |
| Assets per employee ($millions) | 5.4488% | 2,076 |
| Cash dividends to net income (ytd only)* | 99.5546% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 1,235 |
| Loan loss allowance to noncurrent loans | 182.2286% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 1,702 |
| Noncurrent loans to loans | 0.8255% | 1,915 |
| Net loans and leases to total assets | 67.5972% | 2,852 |
| Net loans and leases to deposits | 83.5053% | 2,507 |
| Net loans and leases to core deposits | 84.5523% | 3,041 |
| Total domestic deposits to total assets | 80.9496% | 3,774 |
| Equity capital to assets | 14.2439% | 1,061 |
| Core capital (leverage) ratio | 9.3029% | 4,362 |
| Tier 1 risk-based capital ratio | 10.8914% | 4,957 |
| Total risk-based capital ratio | 12.1418% | 4,851 |
| Memoranda: | ||
| Average total assets | $1,776,082,250 | 473 |
| Average earning assets | $1,575,114,500 | 491 |
| Average equity | $251,815,750 | 392 |
| Average total loans | $1,218,003,750 | 491 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7117% | 2,327 |
| Cost of funding earning assets | 0.3423% | 4,703 |
| Net interest margin | 4.3695% | 998 |
| Noninterest income to average assets | 1.1053% | 699 |
| Noninterest expense to average assets | 2.9206% | 2,225 |
| Loan and lease loss provision to assets | 0.2008% | 854 |
| Net operating income to assets | 1.4473% | 1,303 |
| Return on assets (ROA) | 1.4479% | 1,356 |
| Pretax return on assets | 1.8623% | 909 |
| Return on Equity (ROE) | 10.2283% | 2,280 |
| Retained earnings to average equity (ytd only) | 0.2948% | 4,612 |
| Net charge-offs to loans | 0.2133% | 779 |
| Credit loss provision to net charge-offs | 137.3077% | 1,595 |
| Earnings coverage of net charge-offs (x) | 14.1015% | 2,060 |
| Efficiency ratio | 57.9988% | 4,013 |
| Assets per employee ($millions) | 5.3833% | 2,068 |
| Cash dividends to net income (ytd only)* | 97.1176% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 1,209 |
| Loan loss allowance to noncurrent loans | 171.6875% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8765% | 1,600 |
| Noncurrent loans to loans | 0.8860% | 1,838 |
| Net loans and leases to total assets | 67.8728% | 2,831 |
| Net loans and leases to deposits | 84.1675% | 2,476 |
| Net loans and leases to core deposits | 85.2037% | 3,017 |
| Total domestic deposits to total assets | 80.6402% | 3,907 |
| Equity capital to assets | 14.2569% | 1,027 |
| Core capital (leverage) ratio | 9.2614% | 4,395 |
| Tier 1 risk-based capital ratio | 11.0141% | 4,900 |
| Total risk-based capital ratio | 12.2649% | 4,822 |
| Memoranda: | ||
| Average total assets | $1,777,827,670 | 472 |
| Average earning assets | $1,577,718,670 | 489 |
| Average equity | $251,675,330 | 395 |
| Average total loans | $1,218,896,330 | 488 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 2,069 |
| Cost of funding earning assets | 0.3352% | 4,725 |
| Net interest margin | 4.4078% | 882 |
| Noninterest income to average assets | 1.0135% | 777 |
| Noninterest expense to average assets | 2.9600% | 2,106 |
| Loan and lease loss provision to assets | 0.1994% | 807 |
| Net operating income to assets | 1.3748% | 1,441 |
| Return on assets (ROA) | 1.3748% | 1,474 |
| Pretax return on assets | 1.7635% | 1,066 |
| Return on Equity (ROE) | 9.7461% | 2,478 |
| Retained earnings to average equity (ytd only) | 0.9902% | 4,311 |
| Net charge-offs to loans | 0.2450% | 591 |
| Credit loss provision to net charge-offs | 119.0349% | 1,418 |
| Earnings coverage of net charge-offs (x) | 11.7172% | 1,896 |
| Efficiency ratio | 59.5064% | 3,879 |
| Assets per employee ($millions) | 5.4403% | 2,043 |
| Cash dividends to net income (ytd only)* | 89.8399% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,364 |
| Loan loss allowance to noncurrent loans | 290.1608% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 2,215 |
| Noncurrent loans to loans | 0.5138% | 2,776 |
| Net loans and leases to total assets | 66.8796% | 2,921 |
| Net loans and leases to deposits | 82.6415% | 2,546 |
| Net loans and leases to core deposits | 83.6070% | 3,055 |
| Total domestic deposits to total assets | 80.9274% | 3,983 |
| Equity capital to assets | 13.9902% | 1,041 |
| Core capital (leverage) ratio | 9.2554% | 4,404 |
| Tier 1 risk-based capital ratio | 11.0070% | 4,970 |
| Total risk-based capital ratio | 12.2576% | 4,874 |
| Memoranda: | ||
| Average total assets | $1,781,188,500 | 474 |
| Average earning assets | $1,579,838,500 | 488 |
| Average equity | $251,260,500 | 393 |
| Average total loans | $1,218,011,000 | 492 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 2,749 |
| Cost of funding earning assets | 0.2027% | 4,988 |
| Net interest margin | 4.2003% | 1,390 |
| Noninterest income to average assets | 1.0550% | 847 |
| Noninterest expense to average assets | 2.8937% | 2,373 |
| Loan and lease loss provision to assets | 0.2040% | 924 |
| Net operating income to assets | 1.2847% | 1,863 |
| Return on assets (ROA) | 1.2826% | 1,864 |
| Pretax return on assets | 1.6755% | 1,228 |
| Return on Equity (ROE) | 9.1519% | 2,917 |
| Retained earnings to average equity (ytd only) | 1.8708% | 4,401 |
| Net charge-offs to loans | 0.2572% | 754 |
| Credit loss provision to net charge-offs | 116.4348% | 2,227 |
| Earnings coverage of net charge-offs (x) | 10.7412% | 2,691 |
| Efficiency ratio | 59.9435% | 3,868 |
| Assets per employee ($millions) | 5.3709% | 2,087 |
| Cash dividends to net income (ytd only)* | 79.5580% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,326 |
| Loan loss allowance to noncurrent loans | 334.1279% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 2,267 |
| Noncurrent loans to loans | 0.4460% | 2,939 |
| Net loans and leases to total assets | 67.8565% | 2,897 |
| Net loans and leases to deposits | 83.8846% | 2,522 |
| Net loans and leases to core deposits | 84.8162% | 3,015 |
| Total domestic deposits to total assets | 80.8927% | 3,913 |
| Equity capital to assets | 14.2250% | 907 |
| Core capital (leverage) ratio | 9.2065% | 4,450 |
| Tier 1 risk-based capital ratio | 11.0126% | 4,976 |
| Total risk-based capital ratio | 12.2631% | 4,864 |
| Memoranda: | ||
| Average total assets | $1,763,987,800 | 466 |
| Average earning assets | $1,562,634,600 | 475 |
| Average equity | $247,215,600 | 389 |
| Average total loans | $1,201,799,000 | 484 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,920 |
| Cost of funding earning assets | 0.1725% | 5,132 |
| Net interest margin | 4.1393% | 1,521 |
| Noninterest income to average assets | 1.0553% | 853 |
| Noninterest expense to average assets | 2.8703% | 2,398 |
| Loan and lease loss provision to assets | 0.2144% | 780 |
| Net operating income to assets | 1.2787% | 1,936 |
| Return on assets (ROA) | 1.2760% | 1,952 |
| Pretax return on assets | 1.6343% | 1,471 |
| Return on Equity (ROE) | 9.1388% | 3,025 |
| Retained earnings to average equity (ytd only) | 1.0212% | 4,849 |
| Net charge-offs to loans | 0.2291% | 744 |
| Credit loss provision to net charge-offs | 137.7670% | 1,827 |
| Earnings coverage of net charge-offs (x) | 11.8995% | 2,485 |
| Efficiency ratio | 60.1248% | 3,802 |
| Assets per employee ($millions) | 5.6292% | 1,798 |
| Cash dividends to net income (ytd only)* | 88.8257% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 1,326 |
| Loan loss allowance to noncurrent loans | 212.7884% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 1,868 |
| Noncurrent loans to loans | 0.7081% | 2,306 |
| Net loans and leases to total assets | 67.6588% | 2,993 |
| Net loans and leases to deposits | 84.6446% | 2,520 |
| Net loans and leases to core deposits | 85.5110% | 3,045 |
| Total domestic deposits to total assets | 79.9328% | 4,137 |
| Equity capital to assets | 13.9358% | 975 |
| Core capital (leverage) ratio | 9.2748% | 4,429 |
| Tier 1 risk-based capital ratio | 10.6000% | 5,212 |
| Total risk-based capital ratio | 11.8506% | 5,124 |
| Memoranda: | ||
| Average total assets | $1,764,574,000 | 463 |
| Average earning assets | $1,563,285,000 | 472 |
| Average equity | $246,371,000 | 389 |
| Average total loans | $1,198,880,500 | 481 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 2,951 |
| Cost of funding earning assets | 0.1624% | 5,193 |
| Net interest margin | 4.0868% | 1,600 |
| Noninterest income to average assets | 1.0616% | 859 |
| Noninterest expense to average assets | 2.8620% | 2,458 |
| Loan and lease loss provision to assets | 0.2156% | 768 |
| Net operating income to assets | 1.2483% | 1,990 |
| Return on assets (ROA) | 1.2474% | 1,990 |
| Pretax return on assets | 1.6006% | 1,499 |
| Return on Equity (ROE) | 8.9288% | 3,055 |
| Retained earnings to average equity (ytd only) | 0.8028% | 4,807 |
| Net charge-offs to loans | 0.2170% | 735 |
| Credit loss provision to net charge-offs | 146.7543% | 1,599 |
| Earnings coverage of net charge-offs (x) | 12.3709% | 2,210 |
| Efficiency ratio | 60.5027% | 3,859 |
| Assets per employee ($millions) | 5.4945% | 1,883 |
| Cash dividends to net income (ytd only)* | 91.0084% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,431 |
| Loan loss allowance to noncurrent loans | 209.3505% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 1,785 |
| Noncurrent loans to loans | 0.7109% | 2,333 |
| Net loans and leases to total assets | 69.0878% | 2,707 |
| Net loans and leases to deposits | 82.9410% | 2,661 |
| Net loans and leases to core deposits | 83.8269% | 3,095 |
| Total domestic deposits to total assets | 83.2976% | 3,327 |
| Equity capital to assets | 14.1463% | 894 |
| Core capital (leverage) ratio | 9.0474% | 4,650 |
| Tier 1 risk-based capital ratio | 10.5354% | 5,258 |
| Total risk-based capital ratio | 11.7859% | 5,155 |
| Memoranda: | ||
| Average total assets | $1,761,698,670 | 464 |
| Average earning assets | $1,559,516,330 | 476 |
| Average equity | $246,124,670 | 388 |
| Average total loans | $1,192,481,000 | 481 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 3,049 |
| Cost of funding earning assets | 0.1491% | 5,273 |
| Net interest margin | 4.0049% | 1,714 |
| Noninterest income to average assets | 0.9966% | 917 |
| Noninterest expense to average assets | 2.8050% | 2,667 |
| Loan and lease loss provision to assets | 0.1845% | 921 |
| Net operating income to assets | 1.2137% | 1,947 |
| Return on assets (ROA) | 1.2117% | 1,962 |
| Pretax return on assets | 1.5533% | 1,518 |
| Return on Equity (ROE) | 8.7272% | 3,037 |
| Retained earnings to average equity (ytd only) | 0.5968% | 4,712 |
| Net charge-offs to loans | 0.2747% | 564 |
| Credit loss provision to net charge-offs | 100.9889% | 1,532 |
| Earnings coverage of net charge-offs (x) | 9.5278% | 1,960 |
| Efficiency ratio | 61.0372% | 3,936 |
| Assets per employee ($millions) | 5.5021% | 1,940 |
| Cash dividends to net income (ytd only)* | 93.1619% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,465 |
| Loan loss allowance to noncurrent loans | 329.8255% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 2,413 |
| Noncurrent loans to loans | 0.4548% | 3,171 |
| Net loans and leases to total assets | 64.5645% | 3,231 |
| Net loans and leases to deposits | 77.5168% | 3,061 |
| Net loans and leases to core deposits | 78.3193% | 3,468 |
| Total domestic deposits to total assets | 83.2910% | 3,584 |
| Equity capital to assets | 13.7490% | 963 |
| Core capital (leverage) ratio | 8.9746% | 4,702 |
| Tier 1 risk-based capital ratio | 10.8596% | 5,216 |
| Total risk-based capital ratio | 12.1101% | 5,108 |
| Memoranda: | ||
| Average total assets | $1,771,672,500 | 465 |
| Average earning assets | $1,569,896,500 | 477 |
| Average equity | $245,990,000 | 393 |
| Average total loans | $1,177,962,500 | 488 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 3,198 |
| Cost of funding earning assets | 0.1086% | 5,464 |
| Net interest margin | 3.9539% | 1,906 |
| Noninterest income to average assets | 0.9507% | 1,140 |
| Noninterest expense to average assets | 2.9135% | 2,409 |
| Loan and lease loss provision to assets | 0.2050% | 1,003 |
| Net operating income to assets | 1.1786% | 1,586 |
| Return on assets (ROA) | 1.1738% | 1,623 |
| Pretax return on assets | 1.3047% | 2,325 |
| Return on Equity (ROE) | 8.4289% | 2,590 |
| Retained earnings to average equity (ytd only) | 4.2937% | 2,583 |
| Net charge-offs to loans | 0.1685% | 1,463 |
| Credit loss provision to net charge-offs | 181.4815% | 1,495 |
| Earnings coverage of net charge-offs (x) | 13.4140% | 2,397 |
| Efficiency ratio | 65.0782% | 3,425 |
| Assets per employee ($millions) | 5.4339% | 2,009 |
| Cash dividends to net income (ytd only)* | 49.0603% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 1,461 |
| Loan loss allowance to noncurrent loans | 342.5926% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6380% | 2,417 |
| Noncurrent loans to loans | 0.4333% | 3,232 |
| Net loans and leases to total assets | 66.4461% | 3,040 |
| Net loans and leases to deposits | 79.7481% | 2,943 |
| Net loans and leases to core deposits | 80.6264% | 3,370 |
| Total domestic deposits to total assets | 83.3199% | 3,457 |
| Equity capital to assets | 14.0228% | 902 |
| Core capital (leverage) ratio | 8.8436% | 4,818 |
| Tier 1 risk-based capital ratio | 10.7295% | 5,283 |
| Total risk-based capital ratio | 11.9799% | 5,178 |
| Memoranda: | ||
| Average total assets | $1,745,155,600 | 456 |
| Average earning assets | $1,535,003,400 | 466 |
| Average equity | $243,032,800 | 383 |
| Average total loans | $1,169,395,200 | 467 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,188 |
| Cost of funding earning assets | 0.1017% | 5,550 |
| Net interest margin | 3.9455% | 1,873 |
| Noninterest income to average assets | 0.9647% | 1,106 |
| Noninterest expense to average assets | 2.8873% | 2,455 |
| Loan and lease loss provision to assets | 0.1640% | 1,236 |
| Net operating income to assets | 0.9213% | 2,918 |
| Return on assets (ROA) | 0.9209% | 2,982 |
| Pretax return on assets | 1.3781% | 2,184 |
| Return on Equity (ROE) | 6.6241% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.5966% | 1,909 |
| Net charge-offs to loans | 0.2409% | 885 |
| Credit loss provision to net charge-offs | 101.8044% | 2,244 |
| Earnings coverage of net charge-offs (x) | 9.5745% | 2,679 |
| Efficiency ratio | 64.4606% | 3,453 |
| Assets per employee ($millions) | 5.5050% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.4155% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,972 |
| Loan loss allowance to noncurrent loans | 245.2804% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 2,228 |
| Noncurrent loans to loans | 0.5631% | 3,010 |
| Net loans and leases to total assets | 65.7052% | 3,149 |
| Net loans and leases to deposits | 79.9091% | 2,985 |
| Net loans and leases to core deposits | 80.9035% | 3,378 |
| Total domestic deposits to total assets | 82.2249% | 3,708 |
| Equity capital to assets | 14.2809% | 917 |
| Core capital (leverage) ratio | 9.4293% | 4,254 |
| Tier 1 risk-based capital ratio | 11.3473% | 5,050 |
| Total risk-based capital ratio | 12.5216% | 4,988 |
| Memoranda: | ||
| Average total assets | $1,742,656,250 | 456 |
| Average earning assets | $1,530,571,750 | 471 |
| Average equity | $242,260,750 | 384 |
| Average total loans | $1,165,792,750 | 471 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 3,186 |
| Cost of funding earning assets | 0.0951% | 5,614 |
| Net interest margin | 3.9109% | 1,890 |
| Noninterest income to average assets | 0.9409% | 1,151 |
| Noninterest expense to average assets | 2.8996% | 2,428 |
| Loan and lease loss provision to assets | 0.1538% | 1,309 |
| Net operating income to assets | 0.8818% | 3,012 |
| Return on assets (ROA) | 0.8818% | 3,069 |
| Pretax return on assets | 1.3180% | 2,318 |
| Return on Equity (ROE) | 6.4012% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.3596% | 1,930 |
| Net charge-offs to loans | 0.0635% | 2,021 |
| Credit loss provision to net charge-offs | 361.4555% | 846 |
| Earnings coverage of net charge-offs (x) | 34.5876% | 1,363 |
| Efficiency ratio | 65.5253% | 3,429 |
| Assets per employee ($millions) | 5.1051% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.6504% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 1,743 |
| Loan loss allowance to noncurrent loans | 214.4992% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 2,032 |
| Noncurrent loans to loans | 0.6781% | 2,719 |
| Net loans and leases to total assets | 66.1161% | 3,085 |
| Net loans and leases to deposits | 79.3763% | 2,983 |
| Net loans and leases to core deposits | 80.2316% | 3,405 |
| Total domestic deposits to total assets | 83.2945% | 3,469 |
| Equity capital to assets | 14.0602% | 942 |
| Core capital (leverage) ratio | 9.1973% | 4,493 |
| Tier 1 risk-based capital ratio | 11.0285% | 5,233 |
| Total risk-based capital ratio | 12.2754% | 5,136 |
| Memoranda: | ||
| Average total assets | $1,743,686,670 | 463 |
| Average earning assets | $1,529,500,670 | 475 |
| Average equity | $240,205,670 | 389 |
| Average total loans | $1,168,060,000 | 470 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,064 |
| Cost of funding earning assets | 0.0862% | 5,700 |
| Net interest margin | 3.9061% | 1,754 |
| Noninterest income to average assets | 0.9199% | 1,186 |
| Noninterest expense to average assets | 2.8312% | 2,683 |
| Loan and lease loss provision to assets | 0.1595% | 1,131 |
| Net operating income to assets | 0.8986% | 2,770 |
| Return on assets (ROA) | 0.8986% | 2,819 |
| Pretax return on assets | 1.3520% | 2,054 |
| Return on Equity (ROE) | 6.5904% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.5904% | 2,032 |
| Net charge-offs to loans | 0.0968% | 1,396 |
| Credit loss provision to net charge-offs | 246.2898% | 899 |
| Earnings coverage of net charge-offs (x) | 23.3357% | 1,391 |
| Efficiency ratio | 64.2669% | 3,785 |
| Assets per employee ($millions) | 5.3663% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 2,069 |
| Loan loss allowance to noncurrent loans | 203.7940% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 1,837 |
| Noncurrent loans to loans | 0.6878% | 2,785 |
| Net loans and leases to total assets | 65.6691% | 3,028 |
| Net loans and leases to deposits | 78.9202% | 2,875 |
| Net loans and leases to core deposits | 80.0246% | 3,295 |
| Total domestic deposits to total assets | 83.2095% | 3,763 |
| Equity capital to assets | 13.6964% | 1,007 |
| Core capital (leverage) ratio | 9.0991% | 4,620 |
| Tier 1 risk-based capital ratio | 10.7613% | 5,436 |
| Total risk-based capital ratio | 11.9731% | 5,367 |
| Memoranda: | ||
| Average total assets | $1,747,667,000 | 465 |
| Average earning assets | $1,531,452,500 | 476 |
| Average equity | $238,285,000 | 389 |
| Average total loans | $1,169,823,000 | 473 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 2,190 |
| Cost of funding earning assets | 0.0852% | 5,760 |
| Net interest margin | 4.2004% | 1,115 |
| Noninterest income to average assets | 1.0724% | 982 |
| Noninterest expense to average assets | 3.1356% | 1,939 |
| Loan and lease loss provision to assets | 0.1997% | 1,160 |
| Net operating income to assets | 0.9187% | 2,727 |
| Return on assets (ROA) | 0.9187% | 2,846 |
| Pretax return on assets | 1.3804% | 2,012 |
| Return on Equity (ROE) | 6.5973% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.5973% | 1,409 |
| Net charge-offs to loans | 0.2441% | 1,141 |
| Credit loss provision to net charge-offs | 120.4171% | 2,203 |
| Earnings coverage of net charge-offs (x) | 9.5265% | 2,746 |
| Efficiency ratio | 65.4814% | 3,676 |
| Assets per employee ($millions) | 5.2904% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 2,246 |
| Loan loss allowance to noncurrent loans | 191.4978% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.0729% | 1,758 |
| Noncurrent loans to loans | 0.7122% | 2,755 |
| Net loans and leases to total assets | 66.3550% | 3,018 |
| Net loans and leases to deposits | 82.1392% | 2,657 |
| Net loans and leases to core deposits | 82.8767% | 3,138 |
| Total domestic deposits to total assets | 80.7836% | 4,395 |
| Equity capital to assets | 13.5720% | 1,017 |
| Core capital (leverage) ratio | 8.8994% | 4,854 |
| Tier 1 risk-based capital ratio | 10.4580% | 5,588 |
| Total risk-based capital ratio | 11.6389% | 5,562 |
| Memoranda: | ||
| Average total assets | $1,647,739,600 | 468 |
| Average earning assets | $1,429,212,000 | 487 |
| Average equity | $229,441,400 | 384 |
| Average total loans | $1,119,786,800 | 462 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,332 |
| Cost of funding earning assets | 0.0850% | 5,829 |
| Net interest margin | 4.1660% | 1,211 |
| Noninterest income to average assets | 1.0904% | 953 |
| Noninterest expense to average assets | 3.1183% | 1,983 |
| Loan and lease loss provision to assets | 0.2220% | 926 |
| Net operating income to assets | 0.9048% | 2,878 |
| Return on assets (ROA) | 0.9048% | 3,019 |
| Pretax return on assets | 1.3550% | 2,217 |
| Return on Equity (ROE) | 6.4538% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.4538% | 1,936 |
| Net charge-offs to loans | 0.2671% | 868 |
| Credit loss provision to net charge-offs | 121.9567% | 2,066 |
| Earnings coverage of net charge-offs (x) | 8.6632% | 2,744 |
| Efficiency ratio | 65.3481% | 3,701 |
| Assets per employee ($millions) | 5.0846% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 2,142 |
| Loan loss allowance to noncurrent loans | 169.1997% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 1,606 |
| Noncurrent loans to loans | 0.8354% | 2,593 |
| Net loans and leases to total assets | 65.2884% | 3,240 |
| Net loans and leases to deposits | 80.5083% | 2,908 |
| Net loans and leases to core deposits | 81.3178% | 3,333 |
| Total domestic deposits to total assets | 81.0952% | 4,229 |
| Equity capital to assets | 13.7435% | 1,145 |
| Core capital (leverage) ratio | 8.8273% | 5,028 |
| Tier 1 risk-based capital ratio | 10.2330% | 5,727 |
| Total risk-based capital ratio | 11.4223% | 5,685 |
| Memoranda: | ||
| Average total assets | $1,624,537,500 | 472 |
| Average earning assets | $1,405,712,250 | 496 |
| Average equity | $227,745,000 | 389 |
| Average total loans | $1,107,006,000 | 466 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 1,924 |
| Cost of funding earning assets | 0.0868% | 5,903 |
| Net interest margin | 4.2795% | 964 |
| Noninterest income to average assets | 1.1428% | 853 |
| Noninterest expense to average assets | 3.1658% | 1,896 |
| Loan and lease loss provision to assets | 0.2950% | 617 |
| Net operating income to assets | 0.9240% | 2,749 |
| Return on assets (ROA) | 0.9240% | 2,885 |
| Pretax return on assets | 1.3749% | 2,117 |
| Return on Equity (ROE) | 6.5457% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.5457% | 1,852 |
| Net charge-offs to loans | 0.2605% | 925 |
| Credit loss provision to net charge-offs | 164.5746% | 1,500 |
| Earnings coverage of net charge-offs (x) | 9.3159% | 2,428 |
| Efficiency ratio | 64.3479% | 3,956 |
| Assets per employee ($millions) | 4.7187% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 1,940 |
| Loan loss allowance to noncurrent loans | 159.6190% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 1,376 |
| Noncurrent loans to loans | 0.9273% | 2,416 |
| Net loans and leases to total assets | 67.5775% | 2,845 |
| Net loans and leases to deposits | 81.3508% | 2,777 |
| Net loans and leases to core deposits | 82.2130% | 3,248 |
| Total domestic deposits to total assets | 83.0692% | 3,619 |
| Equity capital to assets | 14.2971% | 932 |
| Core capital (leverage) ratio | 8.8042% | 5,052 |
| Tier 1 risk-based capital ratio | 10.1244% | 5,811 |
| Total risk-based capital ratio | 11.3718% | 5,754 |
| Memoranda: | ||
| Average total assets | $1,599,960,670 | 480 |
| Average earning assets | $1,380,676,330 | 506 |
| Average equity | $225,859,330 | 391 |
| Average total loans | $1,101,118,000 | 468 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 1,628 |
| Cost of funding earning assets | 0.0883% | 5,958 |
| Net interest margin | 4.3719% | 790 |
| Noninterest income to average assets | 1.1064% | 891 |
| Noninterest expense to average assets | 3.0297% | 2,299 |
| Loan and lease loss provision to assets | 0.4327% | 301 |
| Net operating income to assets | 0.9352% | 2,582 |
| Return on assets (ROA) | 0.9352% | 2,690 |
| Pretax return on assets | 1.4183% | 1,853 |
| Return on Equity (ROE) | 6.6677% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.6677% | 2,050 |
| Net charge-offs to loans | 0.2033% | 980 |
| Credit loss provision to net charge-offs | 308.7657% | 833 |
| Earnings coverage of net charge-offs (x) | 13.2075% | 1,748 |
| Efficiency ratio | 60.8568% | 4,623 |
| Assets per employee ($millions) | 4.8026% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,967 |
| Loan loss allowance to noncurrent loans | 138.0695% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 1,322 |
| Noncurrent loans to loans | 1.0893% | 2,215 |
| Net loans and leases to total assets | 67.2822% | 2,763 |
| Net loans and leases to deposits | 80.8887% | 2,685 |
| Net loans and leases to core deposits | 81.7579% | 3,152 |
| Total domestic deposits to total assets | 83.1787% | 3,829 |
| Equity capital to assets | 14.0088% | 979 |
| Core capital (leverage) ratio | 8.6054% | 5,287 |
| Tier 1 risk-based capital ratio | 9.8633% | 5,937 |
| Total risk-based capital ratio | 11.1136% | 5,910 |
| Memoranda: | ||
| Average total assets | $1,595,407,000 | 483 |
| Average earning assets | $1,377,342,500 | 501 |
| Average equity | $223,764,000 | 391 |
| Average total loans | $1,099,824,500 | 465 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 2,026 |
| Cost of funding earning assets | 0.1022% | 5,953 |
| Net interest margin | 4.2567% | 1,053 |
| Noninterest income to average assets | 1.2044% | 825 |
| Noninterest expense to average assets | 3.1969% | 1,979 |
| Loan and lease loss provision to assets | 0.1450% | 1,634 |
| Net operating income to assets | 0.9806% | 2,462 |
| Return on assets (ROA) | 0.9826% | 2,534 |
| Pretax return on assets | 1.5046% | 1,543 |
| Return on Equity (ROE) | 6.8943% | 3,566 |
| Retained earnings to average equity (ytd only) | 4.1127% | 3,078 |
| Net charge-offs to loans | 0.2120% | 1,389 |
| Credit loss provision to net charge-offs | 100.2284% | 2,497 |
| Earnings coverage of net charge-offs (x) | 11.3833% | 2,587 |
| Efficiency ratio | 64.6967% | 4,134 |
| Assets per employee ($millions) | 4.6251% | 2,851 |
| Cash dividends to net income (ytd only)* | 40.3470% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 2,400 |
| Loan loss allowance to noncurrent loans | 131.0905% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.5395% | 1,295 |
| Noncurrent loans to loans | 1.0713% | 2,202 |
| Net loans and leases to total assets | 68.6017% | 2,612 |
| Net loans and leases to deposits | 82.1327% | 2,572 |
| Net loans and leases to core deposits | 83.4406% | 3,006 |
| Total domestic deposits to total assets | 83.5254% | 3,657 |
| Equity capital to assets | 14.0426% | 917 |
| Core capital (leverage) ratio | 8.3237% | 5,586 |
| Tier 1 risk-based capital ratio | 9.6604% | 6,024 |
| Total risk-based capital ratio | 10.8553% | 6,020 |
| Memoranda: | ||
| Average total assets | $1,513,460,200 | 470 |
| Average earning assets | $1,293,824,000 | 503 |
| Average equity | $215,700,200 | 389 |
| Average total loans | $1,032,731,000 | 468 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3477% | 2,084 |
| Cost of funding earning assets | 0.1057% | 6,038 |
| Net interest margin | 4.2420% | 1,072 |
| Noninterest income to average assets | 1.1931% | 851 |
| Noninterest expense to average assets | 3.2331% | 1,876 |
| Loan and lease loss provision to assets | 0.1385% | 1,605 |
| Net operating income to assets | 0.9426% | 2,745 |
| Return on assets (ROA) | 0.9435% | 2,847 |
| Pretax return on assets | 1.4430% | 1,855 |
| Return on Equity (ROE) | 6.5944% | 3,839 |
| Retained earnings to average equity (ytd only) | 2.8607% | 4,406 |
| Net charge-offs to loans | 0.2197% | 1,187 |
| Credit loss provision to net charge-offs | 92.8955% | 2,429 |
| Earnings coverage of net charge-offs (x) | 10.5958% | 2,582 |
| Efficiency ratio | 65.8392% | 3,916 |
| Assets per employee ($millions) | 4.6526% | 2,765 |
| Cash dividends to net income (ytd only)* | 56.6198% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 2,640 |
| Loan loss allowance to noncurrent loans | 167.8046% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.3930% | 1,652 |
| Noncurrent loans to loans | 0.8294% | 2,895 |
| Net loans and leases to total assets | 68.8776% | 2,549 |
| Net loans and leases to deposits | 82.3726% | 2,601 |
| Net loans and leases to core deposits | 83.6995% | 3,080 |
| Total domestic deposits to total assets | 83.6171% | 3,565 |
| Equity capital to assets | 13.8628% | 1,084 |
| Core capital (leverage) ratio | 7.9914% | 5,908 |
| Tier 1 risk-based capital ratio | 9.3145% | 6,168 |
| Total risk-based capital ratio | 10.5037% | 6,157 |
| Memoranda: | ||
| Average total assets | $1,497,538,500 | 480 |
| Average earning assets | $1,278,006,500 | 513 |
| Average equity | $214,257,000 | 396 |
| Average total loans | $1,016,573,750 | 474 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 1,808 |
| Cost of funding earning assets | 0.1103% | 6,092 |
| Net interest margin | 4.3042% | 913 |
| Noninterest income to average assets | 1.1640% | 888 |
| Noninterest expense to average assets | 3.3466% | 1,583 |
| Loan and lease loss provision to assets | 0.1311% | 1,683 |
| Net operating income to assets | 0.8880% | 2,950 |
| Return on assets (ROA) | 0.8894% | 3,062 |
| Pretax return on assets | 1.3551% | 2,165 |
| Return on Equity (ROE) | 6.1481% | 4,063 |
| Retained earnings to average equity (ytd only) | 3.3313% | 3,924 |
| Net charge-offs to loans | 0.1957% | 1,281 |
| Credit loss provision to net charge-offs | 99.6901% | 2,083 |
| Earnings coverage of net charge-offs (x) | 11.2882% | 2,305 |
| Efficiency ratio | 67.9281% | 3,679 |
| Assets per employee ($millions) | 4.7042% | 2,671 |
| Cash dividends to net income (ytd only)* | 45.8155% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 2,513 |
| Loan loss allowance to noncurrent loans | 139.4441% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.5663% | 1,553 |
| Noncurrent loans to loans | 1.0395% | 2,566 |
| Net loans and leases to total assets | 66.4497% | 2,875 |
| Net loans and leases to deposits | 79.1362% | 2,890 |
| Net loans and leases to core deposits | 80.7460% | 3,299 |
| Total domestic deposits to total assets | 83.9687% | 3,578 |
| Equity capital to assets | 13.7480% | 1,076 |
| Core capital (leverage) ratio | 7.9633% | 5,952 |
| Tier 1 risk-based capital ratio | 9.3724% | 6,215 |
| Total risk-based capital ratio | 10.5950% | 6,204 |
| Memoranda: | ||
| Average total assets | $1,472,526,330 | 488 |
| Average earning assets | $1,254,445,330 | 522 |
| Average equity | $213,008,330 | 399 |
| Average total loans | $989,285,330 | 483 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5181% | 1,413 |
| Cost of funding earning assets | 0.1171% | 6,129 |
| Net interest margin | 4.4010% | 726 |
| Noninterest income to average assets | 1.1222% | 895 |
| Noninterest expense to average assets | 3.4847% | 1,348 |
| Loan and lease loss provision to assets | 0.1475% | 1,376 |
| Net operating income to assets | 0.8100% | 3,210 |
| Return on assets (ROA) | 0.8111% | 3,328 |
| Pretax return on assets | 1.2280% | 2,557 |
| Return on Equity (ROE) | 5.4569% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.4569% | 2,804 |
| Net charge-offs to loans | 0.2238% | 1,047 |
| Credit loss provision to net charge-offs | 98.3114% | 1,683 |
| Earnings coverage of net charge-offs (x) | 9.1557% | 2,024 |
| Efficiency ratio | 70.3326% | 3,425 |
| Assets per employee ($millions) | 4.5483% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 2,551 |
| Loan loss allowance to noncurrent loans | 122.3246% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.6786% | 1,503 |
| Noncurrent loans to loans | 1.2069% | 2,361 |
| Net loans and leases to total assets | 64.7315% | 2,986 |
| Net loans and leases to deposits | 76.8574% | 2,953 |
| Net loans and leases to core deposits | 78.5654% | 3,325 |
| Total domestic deposits to total assets | 84.2229% | 3,727 |
| Equity capital to assets | 13.6317% | 1,115 |
| Core capital (leverage) ratio | 8.1009% | 5,880 |
| Tier 1 risk-based capital ratio | 9.4262% | 6,280 |
| Total risk-based capital ratio | 10.6686% | 6,262 |
| Memoranda: | ||
| Average total assets | $1,420,832,500 | 504 |
| Average earning assets | $1,206,270,000 | 537 |
| Average equity | $211,184,000 | 402 |
| Average total loans | $952,631,500 | 494 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,699 |
| Cost of funding earning assets | 0.1153% | 6,270 |
| Net interest margin | 4.4343% | 843 |
| Noninterest income to average assets | 1.1885% | 853 |
| Noninterest expense to average assets | 3.3203% | 1,873 |
| Loan and lease loss provision to assets | 0.1436% | 1,848 |
| Net operating income to assets | 0.9502% | 2,633 |
| Return on assets (ROA) | 0.9497% | 2,715 |
| Pretax return on assets | 1.4523% | 1,717 |
| Return on Equity (ROE) | 6.0186% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.9889% | 3,376 |
| Net charge-offs to loans | 0.2339% | 1,805 |
| Credit loss provision to net charge-offs | 84.9763% | 2,762 |
| Earnings coverage of net charge-offs (x) | 9.4498% | 2,746 |
| Efficiency ratio | 65.4464% | 4,330 |
| Assets per employee ($millions) | 4.3401% | 3,286 |
| Cash dividends to net income (ytd only)* | 33.7240% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 1,565 |
| Loan loss allowance to noncurrent loans | 127.3539% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 2.2152% | 1,099 |
| Noncurrent loans to loans | 1.4028% | 2,088 |
| Net loans and leases to total assets | 67.5225% | 2,640 |
| Net loans and leases to deposits | 83.0225% | 2,333 |
| Net loans and leases to core deposits | 83.6595% | 2,936 |
| Total domestic deposits to total assets | 81.3303% | 4,642 |
| Equity capital to assets | 16.4221% | 485 |
| Core capital (leverage) ratio | 9.6037% | 4,092 |
| Tier 1 risk-based capital ratio | 11.9225% | 5,414 |
| Total risk-based capital ratio | 13.1763% | 5,319 |
| Memoranda: | ||
| Average total assets | $1,248,877,600 | 541 |
| Average earning assets | $1,050,075,400 | 583 |
| Average equity | $197,073,400 | 410 |
| Average total loans | $902,221,600 | 495 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 1,540 |
| Cost of funding earning assets | 0.1135% | 6,362 |
| Net interest margin | 4.4944% | 741 |
| Noninterest income to average assets | 1.1724% | 868 |
| Noninterest expense to average assets | 3.3669% | 1,748 |
| Loan and lease loss provision to assets | 0.1128% | 2,163 |
| Net operating income to assets | 0.9672% | 2,609 |
| Return on assets (ROA) | 0.9672% | 2,677 |
| Pretax return on assets | 1.4748% | 1,727 |
| Return on Equity (ROE) | 6.1928% | 4,138 |
| Retained earnings to average equity (ytd only) | 3.4556% | 4,170 |
| Net charge-offs to loans | 0.1111% | 2,689 |
| Credit loss provision to net charge-offs | 138.8158% | 1,691 |
| Earnings coverage of net charge-offs (x) | 19.5447% | 1,775 |
| Efficiency ratio | 65.5370% | 4,290 |
| Assets per employee ($millions) | 4.7052% | 2,665 |
| Cash dividends to net income (ytd only)* | 44.1989% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7477% | 1,831 |
| Loan loss allowance to noncurrent loans | 82.1394% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 2.2851% | 1,197 |
| Noncurrent loans to loans | 2.1277% | 1,461 |
| Net loans and leases to total assets | 68.1081% | 2,519 |
| Net loans and leases to deposits | 82.9252% | 2,303 |
| Net loans and leases to core deposits | 84.1198% | 2,866 |
| Total domestic deposits to total assets | 82.1320% | 4,437 |
| Equity capital to assets | 14.9863% | 734 |
| Core capital (leverage) ratio | 9.0734% | 4,963 |
| Tier 1 risk-based capital ratio | 10.5552% | 6,189 |
| Total risk-based capital ratio | 11.8092% | 6,135 |
| Memoranda: | ||
| Average total assets | $1,247,521,750 | 539 |
| Average earning assets | $1,049,784,500 | 581 |
| Average equity | $194,846,000 | 410 |
| Average total loans | $912,191,750 | 484 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7708% | 1,127 |
| Cost of funding earning assets | 0.1149% | 6,431 |
| Net interest margin | 4.6559% | 527 |
| Noninterest income to average assets | 1.1667% | 853 |
| Noninterest expense to average assets | 3.5708% | 1,349 |
| Loan and lease loss provision to assets | 0.1623% | 1,524 |
| Net operating income to assets | 0.8657% | 2,975 |
| Return on assets (ROA) | 0.8657% | 3,068 |
| Pretax return on assets | 1.3311% | 2,145 |
| Return on Equity (ROE) | 5.4628% | 4,454 |
| Retained earnings to average equity (ytd only) | 1.3337% | 5,209 |
| Net charge-offs to loans | 0.0949% | 2,721 |
| Credit loss provision to net charge-offs | 229.6296% | 1,054 |
| Earnings coverage of net charge-offs (x) | 21.1319% | 1,558 |
| Efficiency ratio | 67.9243% | 4,022 |
| Assets per employee ($millions) | 4.4436% | 3,015 |
| Cash dividends to net income (ytd only)* | 75.5858% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 1,874 |
| Loan loss allowance to noncurrent loans | 86.2675% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 2.3152% | 1,275 |
| Noncurrent loans to loans | 2.0709% | 1,616 |
| Net loans and leases to total assets | 72.7247% | 1,617 |
| Net loans and leases to deposits | 88.5986% | 1,523 |
| Net loans and leases to core deposits | 90.2746% | 2,102 |
| Total domestic deposits to total assets | 82.0833% | 4,614 |
| Equity capital to assets | 15.8054% | 581 |
| Core capital (leverage) ratio | 9.2606% | 4,650 |
| Tier 1 risk-based capital ratio | 10.6704% | 6,191 |
| Total risk-based capital ratio | 11.9253% | 6,136 |
| Memoranda: | ||
| Average total assets | $1,222,640,670 | 552 |
| Average earning assets | $1,023,471,000 | 598 |
| Average equity | $193,746,670 | 409 |
| Average total loans | $910,749,330 | 480 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 1,099 |
| Cost of funding earning assets | 0.1191% | 6,500 |
| Net interest margin | 4.6541% | 502 |
| Noninterest income to average assets | 1.1667% | 817 |
| Noninterest expense to average assets | 3.6293% | 1,252 |
| Loan and lease loss provision to assets | 0.2350% | 941 |
| Net operating income to assets | 0.7813% | 3,245 |
| Return on assets (ROA) | 0.7813% | 3,327 |
| Pretax return on assets | 1.1906% | 2,524 |
| Return on Equity (ROE) | 4.9238% | 4,589 |
| Retained earnings to average equity (ytd only) | 0.7862% | 5,276 |
| Net charge-offs to loans | 0.0699% | 2,450 |
| Credit loss provision to net charge-offs | 450.3145% | 594 |
| Earnings coverage of net charge-offs (x) | 27.3145% | 1,111 |
| Efficiency ratio | 69.1928% | 3,966 |
| Assets per employee ($millions) | 4.5324% | 2,922 |
| Cash dividends to net income (ytd only)* | 84.0336% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 2,052 |
| Loan loss allowance to noncurrent loans | 72.4651% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 2.5626% | 1,235 |
| Noncurrent loans to loans | 2.4807% | 1,395 |
| Net loans and leases to total assets | 72.6756% | 1,467 |
| Net loans and leases to deposits | 89.0510% | 1,249 |
| Net loans and leases to core deposits | 91.1855% | 1,808 |
| Total domestic deposits to total assets | 81.6112% | 5,055 |
| Equity capital to assets | 15.8143% | 549 |
| Core capital (leverage) ratio | 9.3142% | 4,555 |
| Tier 1 risk-based capital ratio | 10.6356% | 6,293 |
| Total risk-based capital ratio | 11.8908% | 6,258 |
| Memoranda: | ||
| Average total assets | $1,218,518,000 | 558 |
| Average earning assets | $1,018,025,500 | 603 |
| Average equity | $193,346,500 | 408 |
| Average total loans | $910,403,500 | 481 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 1,339 |
| Cost of funding earning assets | 0.1635% | 6,480 |
| Net interest margin | 4.6287% | 576 |
| Noninterest income to average assets | 1.2581% | 876 |
| Noninterest expense to average assets | 3.0769% | 2,811 |
| Loan and lease loss provision to assets | 0.2158% | 1,695 |
| Net operating income to assets | 1.1639% | 1,706 |
| Return on assets (ROA) | 1.1729% | 1,732 |
| Pretax return on assets | 1.8208% | 718 |
| Return on Equity (ROE) | 7.3252% | 3,395 |
| Retained earnings to average equity (ytd only) | 0.4932% | 5,619 |
| Net charge-offs to loans | 0.3782% | 1,777 |
| Credit loss provision to net charge-offs | 78.6945% | 3,079 |
| Earnings coverage of net charge-offs (x) | 7.3756% | 2,857 |
| Efficiency ratio | 57.7291% | 5,768 |
| Assets per employee ($millions) | 4.4606% | 2,968 |
| Cash dividends to net income (ytd only)* | 93.2664% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 2,340 |
| Loan loss allowance to noncurrent loans | 66.3502% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.7690% | 1,193 |
| Noncurrent loans to loans | 2.5894% | 1,446 |
| Net loans and leases to total assets | 74.1323% | 1,326 |
| Net loans and leases to deposits | 96.5229% | 699 |
| Net loans and leases to core deposits | 97.6374% | 1,336 |
| Total domestic deposits to total assets | 76.8028% | 6,008 |
| Equity capital to assets | 15.9209% | 537 |
| Core capital (leverage) ratio | 9.2831% | 4,585 |
| Tier 1 risk-based capital ratio | 10.5327% | 6,355 |
| Total risk-based capital ratio | 11.7872% | 6,312 |
| Memoranda: | ||
| Average total assets | $1,206,670,400 | 542 |
| Average earning assets | $1,001,424,800 | 598 |
| Average equity | $193,209,800 | 399 |
| Average total loans | $875,017,400 | 476 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 1,304 |
| Cost of funding earning assets | 0.1730% | 6,535 |
| Net interest margin | 4.6461% | 568 |
| Noninterest income to average assets | 1.2635% | 919 |
| Noninterest expense to average assets | 3.0986% | 2,652 |
| Loan and lease loss provision to assets | 0.2156% | 1,686 |
| Net operating income to assets | 1.1613% | 1,768 |
| Return on assets (ROA) | 1.1737% | 1,797 |
| Pretax return on assets | 1.8220% | 856 |
| Return on Equity (ROE) | 7.3199% | 3,477 |
| Retained earnings to average equity (ytd only) | 1.3166% | 5,454 |
| Net charge-offs to loans | 0.1919% | 2,690 |
| Credit loss provision to net charge-offs | 156.5462% | 1,509 |
| Earnings coverage of net charge-offs (x) | 14.6506% | 1,926 |
| Efficiency ratio | 57.9544% | 5,691 |
| Assets per employee ($millions) | 4.4836% | 2,910 |
| Cash dividends to net income (ytd only)* | 82.0136% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9795% | 1,773 |
| Loan loss allowance to noncurrent loans | 88.8635% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.5133% | 1,530 |
| Noncurrent loans to loans | 2.2275% | 1,982 |
| Net loans and leases to total assets | 71.4013% | 1,703 |
| Net loans and leases to deposits | 87.9318% | 1,369 |
| Net loans and leases to core deposits | 89.7698% | 1,992 |
| Total domestic deposits to total assets | 81.2008% | 5,169 |
| Equity capital to assets | 16.3401% | 490 |
| Core capital (leverage) ratio | 9.2353% | 4,782 |
| Tier 1 risk-based capital ratio | 11.0004% | 6,283 |
| Total risk-based capital ratio | 12.2577% | 6,242 |
| Memoranda: | ||
| Average total assets | $1,205,016,250 | 548 |
| Average earning assets | $999,415,000 | 599 |
| Average equity | $193,220,750 | 398 |
| Average total loans | $864,981,750 | 485 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 1,278 |
| Cost of funding earning assets | 0.1830% | 6,558 |
| Net interest margin | 4.6418% | 561 |
| Noninterest income to average assets | 1.2458% | 1,004 |
| Noninterest expense to average assets | 3.0604% | 2,797 |
| Loan and lease loss provision to assets | 0.2642% | 1,402 |
| Net operating income to assets | 1.1343% | 1,795 |
| Return on assets (ROA) | 1.1529% | 1,845 |
| Pretax return on assets | 1.8017% | 922 |
| Return on Equity (ROE) | 7.2354% | 3,475 |
| Retained earnings to average equity (ytd only) | 0.1856% | 5,799 |
| Net charge-offs to loans | 0.2176% | 2,447 |
| Credit loss provision to net charge-offs | 169.9256% | 1,389 |
| Earnings coverage of net charge-offs (x) | 13.1020% | 1,926 |
| Efficiency ratio | 57.4383% | 5,807 |
| Assets per employee ($millions) | 4.4330% | 2,924 |
| Cash dividends to net income (ytd only)* | 97.4352% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 1,947 |
| Loan loss allowance to noncurrent loans | 78.9447% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.6744% | 1,562 |
| Noncurrent loans to loans | 2.4792% | 1,879 |
| Net loans and leases to total assets | 70.7248% | 1,763 |
| Net loans and leases to deposits | 86.4544% | 1,524 |
| Net loans and leases to core deposits | 88.6603% | 2,039 |
| Total domestic deposits to total assets | 81.8059% | 5,111 |
| Equity capital to assets | 15.9068% | 537 |
| Core capital (leverage) ratio | 8.9219% | 5,112 |
| Tier 1 risk-based capital ratio | 10.6675% | 6,456 |
| Total risk-based capital ratio | 11.9246% | 6,426 |
| Memoranda: | ||
| Average total assets | $1,210,637,670 | 543 |
| Average earning assets | $1,004,491,330 | 597 |
| Average equity | $192,912,670 | 397 |
| Average total loans | $864,813,000 | 478 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8700% | 1,154 |
| Cost of funding earning assets | 0.1947% | 6,598 |
| Net interest margin | 4.6753% | 494 |
| Noninterest income to average assets | 1.2084% | 1,041 |
| Noninterest expense to average assets | 3.0445% | 2,854 |
| Loan and lease loss provision to assets | 0.3109% | 1,097 |
| Net operating income to assets | 1.1063% | 1,835 |
| Return on assets (ROA) | 1.1063% | 1,943 |
| Pretax return on assets | 1.7251% | 1,016 |
| Return on Equity (ROE) | 6.9367% | 3,525 |
| Retained earnings to average equity (ytd only) | -0.1056% | 5,795 |
| Net charge-offs to loans | 0.1580% | 2,457 |
| Credit loss provision to net charge-offs | 276.7647% | 856 |
| Earnings coverage of net charge-offs (x) | 18.1265% | 1,278 |
| Efficiency ratio | 57.3184% | 5,920 |
| Assets per employee ($millions) | 4.5561% | 2,869 |
| Cash dividends to net income (ytd only)* | 101.5228% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9910% | 2,067 |
| Loan loss allowance to noncurrent loans | 81.1137% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.5105% | 1,834 |
| Noncurrent loans to loans | 2.4545% | 2,097 |
| Net loans and leases to total assets | 67.8935% | 2,034 |
| Net loans and leases to deposits | 83.2077% | 1,681 |
| Net loans and leases to core deposits | 85.7853% | 2,127 |
| Total domestic deposits to total assets | 81.5953% | 5,324 |
| Equity capital to assets | 15.6328% | 623 |
| Core capital (leverage) ratio | 8.8816% | 5,081 |
| Tier 1 risk-based capital ratio | 10.7847% | 6,492 |
| Total risk-based capital ratio | 12.0423% | 6,461 |
| Memoranda: | ||
| Average total assets | $1,210,854,500 | 548 |
| Average earning assets | $1,002,798,000 | 601 |
| Average equity | $193,116,500 | 401 |
| Average total loans | $860,719,500 | 481 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3403% | 844 |
| Cost of funding earning assets | 0.2153% | 6,792 |
| Net interest margin | 5.1250% | 313 |
| Noninterest income to average assets | 1.3157% | 886 |
| Noninterest expense to average assets | 3.1483% | 2,776 |
| Loan and lease loss provision to assets | 0.3968% | 1,642 |
| Net operating income to assets | 1.2766% | 1,374 |
| Return on assets (ROA) | 1.2761% | 1,526 |
| Pretax return on assets | 1.9963% | 604 |
| Return on Equity (ROE) | 7.6191% | 3,277 |
| Retained earnings to average equity (ytd only) | 0.3142% | 5,700 |
| Net charge-offs to loans | 0.4879% | 2,280 |
| Credit loss provision to net charge-offs | 115.4880% | 2,508 |
| Earnings coverage of net charge-offs (x) | 6.9669% | 2,702 |
| Efficiency ratio | 54.3543% | 6,234 |
| Assets per employee ($millions) | 4.2545% | 3,452 |
| Cash dividends to net income (ytd only)* | 95.8766% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 2,305 |
| Loan loss allowance to noncurrent loans | 87.3087% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 2.4644% | 1,986 |
| Noncurrent loans to loans | 2.1724% | 2,497 |
| Net loans and leases to total assets | 71.5834% | 1,554 |
| Net loans and leases to deposits | 88.3778% | 1,223 |
| Net loans and leases to core deposits | 89.8940% | 1,846 |
| Total domestic deposits to total assets | 80.9970% | 5,409 |
| Equity capital to assets | 16.2775% | 503 |
| Core capital (leverage) ratio | 8.7782% | 5,210 |
| Tier 1 risk-based capital ratio | 10.5745% | 6,526 |
| Total risk-based capital ratio | 11.8310% | 6,492 |
| Memoranda: | ||
| Average total assets | $1,168,754,600 | 565 |
| Average earning assets | $963,866,400 | 618 |
| Average equity | $195,757,600 | 383 |
| Average total loans | $823,099,000 | 498 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 893 |
| Cost of funding earning assets | 0.2129% | 6,923 |
| Net interest margin | 5.1525% | 312 |
| Noninterest income to average assets | 1.2535% | 954 |
| Noninterest expense to average assets | 3.1222% | 2,819 |
| Loan and lease loss provision to assets | 0.4037% | 1,589 |
| Net operating income to assets | 1.2685% | 1,519 |
| Return on assets (ROA) | 1.2685% | 1,679 |
| Pretax return on assets | 1.9827% | 726 |
| Return on Equity (ROE) | 7.5194% | 3,517 |
| Retained earnings to average equity (ytd only) | 2.0883% | 5,281 |
| Net charge-offs to loans | 0.5275% | 2,035 |
| Credit loss provision to net charge-offs | 109.6764% | 2,678 |
| Earnings coverage of net charge-offs (x) | 6.4832% | 2,778 |
| Efficiency ratio | 54.2277% | 6,228 |
| Assets per employee ($millions) | 4.4327% | 3,031 |
| Cash dividends to net income (ytd only)* | 72.2282% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 2,513 |
| Loan loss allowance to noncurrent loans | 91.2524% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 2.5205% | 2,096 |
| Noncurrent loans to loans | 2.0700% | 2,774 |
| Net loans and leases to total assets | 68.1776% | 2,267 |
| Net loans and leases to deposits | 84.4696% | 1,807 |
| Net loans and leases to core deposits | 86.6813% | 2,381 |
| Total domestic deposits to total assets | 80.7126% | 5,448 |
| Equity capital to assets | 15.9576% | 613 |
| Core capital (leverage) ratio | 8.8164% | 5,318 |
| Tier 1 risk-based capital ratio | 10.9685% | 6,493 |
| Total risk-based capital ratio | 12.2250% | 6,470 |
| Memoranda: | ||
| Average total assets | $1,164,194,500 | 569 |
| Average earning assets | $961,425,500 | 620 |
| Average equity | $196,393,750 | 376 |
| Average total loans | $812,344,000 | 503 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4647% | 773 |
| Cost of funding earning assets | 0.2147% | 6,999 |
| Net interest margin | 5.2500% | 265 |
| Noninterest income to average assets | 1.2156% | 969 |
| Noninterest expense to average assets | 3.1542% | 2,736 |
| Loan and lease loss provision to assets | 0.3690% | 1,780 |
| Net operating income to assets | 1.2907% | 1,463 |
| Return on assets (ROA) | 1.2907% | 1,614 |
| Pretax return on assets | 2.0223% | 667 |
| Return on Equity (ROE) | 7.5056% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.5056% | 1,867 |
| Net charge-offs to loans | 0.5511% | 1,938 |
| Credit loss provision to net charge-offs | 95.8201% | 2,883 |
| Earnings coverage of net charge-offs (x) | 6.2090% | 2,675 |
| Efficiency ratio | 54.3986% | 6,281 |
| Assets per employee ($millions) | 4.2651% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9458% | 2,388 |
| Loan loss allowance to noncurrent loans | 114.9188% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 2.0738% | 2,695 |
| Noncurrent loans to loans | 1.6932% | 3,359 |
| Net loans and leases to total assets | 68.7634% | 2,149 |
| Net loans and leases to deposits | 86.0980% | 1,583 |
| Net loans and leases to core deposits | 89.0500% | 2,090 |
| Total domestic deposits to total assets | 79.8665% | 5,774 |
| Equity capital to assets | 17.3789% | 396 |
| Core capital (leverage) ratio | 9.9356% | 3,506 |
| Tier 1 risk-based capital ratio | 12.2084% | 5,788 |
| Total risk-based capital ratio | 13.4612% | 5,768 |
| Memoranda: | ||
| Average total assets | $1,142,976,000 | 579 |
| Average earning assets | $942,661,000 | 635 |
| Average equity | $196,546,330 | 377 |
| Average total loans | $798,713,330 | 509 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 729 |
| Cost of funding earning assets | 0.2340% | 7,046 |
| Net interest margin | 5.2860% | 257 |
| Noninterest income to average assets | 1.2428% | 919 |
| Noninterest expense to average assets | 3.1394% | 2,792 |
| Loan and lease loss provision to assets | 0.4012% | 1,573 |
| Net operating income to assets | 1.3096% | 1,434 |
| Return on assets (ROA) | 1.3096% | 1,600 |
| Pretax return on assets | 2.0512% | 684 |
| Return on Equity (ROE) | 7.6568% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.6568% | 2,105 |
| Net charge-offs to loans | 0.8204% | 1,250 |
| Credit loss provision to net charge-offs | 70.1044% | 2,908 |
| Earnings coverage of net charge-offs (x) | 4.2855% | 2,605 |
| Efficiency ratio | 53.6751% | 6,382 |
| Assets per employee ($millions) | 4.3337% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9279% | 2,594 |
| Loan loss allowance to noncurrent loans | 132.6435% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 2.2463% | 2,651 |
| Noncurrent loans to loans | 1.4534% | 3,937 |
| Net loans and leases to total assets | 67.6027% | 2,186 |
| Net loans and leases to deposits | 84.9383% | 1,544 |
| Net loans and leases to core deposits | 88.3566% | 2,011 |
| Total domestic deposits to total assets | 79.5904% | 5,950 |
| Equity capital to assets | 17.0502% | 419 |
| Core capital (leverage) ratio | 9.5398% | 3,994 |
| Tier 1 risk-based capital ratio | 11.7641% | 6,116 |
| Total risk-based capital ratio | 13.0210% | 6,090 |
| Memoranda: | ||
| Average total assets | $1,138,676,000 | 580 |
| Average earning assets | $936,821,500 | 641 |
| Average equity | $194,754,000 | 371 |
| Average total loans | $794,281,500 | 508 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5163% | 1,130 |
| Cost of funding earning assets | 0.3798% | 6,945 |
| Net interest margin | 5.1365% | 319 |
| Noninterest income to average assets | 1.2286% | 867 |
| Noninterest expense to average assets | 3.0247% | 3,499 |
| Loan and lease loss provision to assets | 0.4992% | 2,107 |
| Net operating income to assets | 1.2490% | 1,383 |
| Return on assets (ROA) | 1.2488% | 1,479 |
| Pretax return on assets | 1.9514% | 589 |
| Return on Equity (ROE) | 7.5553% | 3,121 |
| Retained earnings to average equity (ytd only) | 0.3919% | 5,654 |
| Net charge-offs to loans | 0.6370% | 2,547 |
| Credit loss provision to net charge-offs | 115.5741% | 2,821 |
| Earnings coverage of net charge-offs (x) | 5.6742% | 2,713 |
| Efficiency ratio | 52.7775% | 6,636 |
| Assets per employee ($millions) | 4.1498% | 3,548 |
| Cash dividends to net income (ytd only)* | 94.8128% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9908% | 2,310 |
| Loan loss allowance to noncurrent loans | 100.5535% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 2.4049% | 2,530 |
| Noncurrent loans to loans | 1.9798% | 3,235 |
| Net loans and leases to total assets | 69.1931% | 2,181 |
| Net loans and leases to deposits | 87.2566% | 1,481 |
| Net loans and leases to core deposits | 90.5045% | 2,052 |
| Total domestic deposits to total assets | 79.2984% | 5,917 |
| Equity capital to assets | 17.1582% | 433 |
| Core capital (leverage) ratio | 8.8092% | 5,086 |
| Tier 1 risk-based capital ratio | 11.3865% | 6,233 |
| Total risk-based capital ratio | 12.6444% | 6,218 |
| Memoranda: | ||
| Average total assets | $1,165,498,800 | 558 |
| Average earning assets | $963,653,000 | 617 |
| Average equity | $192,647,200 | 368 |
| Average total loans | $790,276,800 | 517 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4744% | 1,318 |
| Cost of funding earning assets | 0.4089% | 6,997 |
| Net interest margin | 5.0656% | 368 |
| Noninterest income to average assets | 1.2033% | 909 |
| Noninterest expense to average assets | 3.0280% | 3,449 |
| Loan and lease loss provision to assets | 0.4834% | 2,055 |
| Net operating income to assets | 1.2102% | 1,626 |
| Return on assets (ROA) | 1.2102% | 1,734 |
| Pretax return on assets | 1.8884% | 806 |
| Return on Equity (ROE) | 7.3890% | 3,339 |
| Retained earnings to average equity (ytd only) | 0.6038% | 5,777 |
| Net charge-offs to loans | 0.6689% | 2,240 |
| Credit loss provision to net charge-offs | 107.6515% | 3,071 |
| Earnings coverage of net charge-offs (x) | 5.2816% | 2,826 |
| Efficiency ratio | 53.5996% | 6,532 |
| Assets per employee ($millions) | 4.3376% | 3,201 |
| Cash dividends to net income (ytd only)* | 91.8291% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 2,502 |
| Loan loss allowance to noncurrent loans | 86.1924% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 2.3742% | 2,704 |
| Noncurrent loans to loans | 2.2508% | 3,052 |
| Net loans and leases to total assets | 65.1767% | 3,068 |
| Net loans and leases to deposits | 81.6648% | 2,423 |
| Net loans and leases to core deposits | 85.5678% | 2,833 |
| Total domestic deposits to total assets | 79.8100% | 5,790 |
| Equity capital to assets | 16.2625% | 588 |
| Core capital (leverage) ratio | 8.6910% | 5,424 |
| Tier 1 risk-based capital ratio | 11.1937% | 6,435 |
| Total risk-based capital ratio | 12.4507% | 6,411 |
| Memoranda: | ||
| Average total assets | $1,175,723,500 | 558 |
| Average earning assets | $974,005,500 | 613 |
| Average equity | $192,568,750 | 371 |
| Average total loans | $789,358,000 | 524 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4913% | 1,315 |
| Cost of funding earning assets | 0.4339% | 7,052 |
| Net interest margin | 5.0574% | 363 |
| Noninterest income to average assets | 1.2127% | 865 |
| Noninterest expense to average assets | 3.0575% | 3,398 |
| Loan and lease loss provision to assets | 0.4925% | 1,998 |
| Net operating income to assets | 1.1826% | 1,626 |
| Return on assets (ROA) | 1.1826% | 1,713 |
| Pretax return on assets | 1.8498% | 791 |
| Return on Equity (ROE) | 7.2032% | 3,348 |
| Retained earnings to average equity (ytd only) | 0.2361% | 5,743 |
| Net charge-offs to loans | 0.7357% | 2,036 |
| Credit loss provision to net charge-offs | 99.3800% | 3,184 |
| Earnings coverage of net charge-offs (x) | 4.7261% | 2,796 |
| Efficiency ratio | 54.1370% | 6,610 |
| Assets per employee ($millions) | 4.1661% | 3,416 |
| Cash dividends to net income (ytd only)* | 96.7230% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8899% | 2,701 |
| Loan loss allowance to noncurrent loans | 91.9419% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 2.2731% | 2,890 |
| Noncurrent loans to loans | 2.0555% | 3,402 |
| Net loans and leases to total assets | 67.2519% | 2,778 |
| Net loans and leases to deposits | 84.7761% | 1,980 |
| Net loans and leases to core deposits | 89.8765% | 2,384 |
| Total domestic deposits to total assets | 79.3288% | 5,998 |
| Equity capital to assets | 16.6260% | 527 |
| Core capital (leverage) ratio | 8.7108% | 5,213 |
| Tier 1 risk-based capital ratio | 10.9713% | 6,552 |
| Total risk-based capital ratio | 12.2278% | 6,523 |
| Memoranda: | ||
| Average total assets | $1,171,462,670 | 569 |
| Average earning assets | $969,904,330 | 621 |
| Average equity | $192,331,330 | 369 |
| Average total loans | $789,159,330 | 533 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4629% | 1,398 |
| Cost of funding earning assets | 0.4548% | 7,101 |
| Net interest margin | 5.0081% | 376 |
| Noninterest income to average assets | 1.1904% | 909 |
| Noninterest expense to average assets | 3.0608% | 3,418 |
| Loan and lease loss provision to assets | 0.4882% | 1,798 |
| Net operating income to assets | 1.1456% | 1,681 |
| Return on assets (ROA) | 1.1456% | 1,731 |
| Pretax return on assets | 1.7914% | 831 |
| Return on Equity (ROE) | 7.0212% | 3,368 |
| Retained earnings to average equity (ytd only) | 1.4026% | 5,263 |
| Net charge-offs to loans | 1.2496% | 1,109 |
| Credit loss provision to net charge-offs | 58.5028% | 3,570 |
| Earnings coverage of net charge-offs (x) | 2.7315% | 2,988 |
| Efficiency ratio | 54.8159% | 6,617 |
| Assets per employee ($millions) | 4.2042% | 3,452 |
| Cash dividends to net income (ytd only)* | 80.0237% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 3,018 |
| Loan loss allowance to noncurrent loans | 80.1855% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 2.4300% | 2,798 |
| Noncurrent loans to loans | 2.2431% | 3,265 |
| Net loans and leases to total assets | 65.4091% | 3,149 |
| Net loans and leases to deposits | 82.6410% | 2,246 |
| Net loans and leases to core deposits | 88.6684% | 2,522 |
| Total domestic deposits to total assets | 79.1484% | 6,153 |
| Equity capital to assets | 16.4702% | 503 |
| Core capital (leverage) ratio | 8.6655% | 5,150 |
| Tier 1 risk-based capital ratio | 11.1836% | 6,369 |
| Total risk-based capital ratio | 12.4391% | 6,333 |
| Memoranda: | ||
| Average total assets | $1,178,104,500 | 571 |
| Average earning assets | $976,263,500 | 623 |
| Average equity | $192,217,500 | 367 |
| Average total loans | $786,788,500 | 544 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4761% | 2,375 |
| Cost of funding earning assets | 0.6611% | 6,981 |
| Net interest margin | 4.8150% | 653 |
| Noninterest income to average assets | 1.4251% | 708 |
| Noninterest expense to average assets | 3.1029% | 3,444 |
| Loan and lease loss provision to assets | 0.6297% | 2,611 |
| Net operating income to assets | 1.0564% | 1,848 |
| Return on assets (ROA) | 1.0564% | 1,945 |
| Pretax return on assets | 1.6387% | 1,054 |
| Return on Equity (ROE) | 6.4174% | 3,388 |
| Retained earnings to average equity (ytd only) | 0.7508% | 5,178 |
| Net charge-offs to loans | 0.5145% | 3,558 |
| Credit loss provision to net charge-offs | 188.8112% | 1,711 |
| Earnings coverage of net charge-offs (x) | 6.8017% | 2,268 |
| Efficiency ratio | 54.8898% | 6,724 |
| Assets per employee ($millions) | 4.1959% | 3,392 |
| Cash dividends to net income (ytd only)* | 88.3002% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8893% | 2,594 |
| Loan loss allowance to noncurrent loans | 67.2788% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 2.5998% | 2,680 |
| Noncurrent loans to loans | 2.8082% | 2,718 |
| Net loans and leases to total assets | 65.6936% | 3,524 |
| Net loans and leases to deposits | 82.8232% | 2,656 |
| Net loans and leases to core deposits | 88.6094% | 2,965 |
| Total domestic deposits to total assets | 79.3179% | 6,005 |
| Equity capital to assets | 16.1639% | 559 |
| Core capital (leverage) ratio | 8.2736% | 5,721 |
| Tier 1 risk-based capital ratio | 10.7841% | 6,502 |
| Total risk-based capital ratio | 12.0406% | 6,461 |
| Memoranda: | ||
| Average total assets | $1,072,002,800 | 624 |
| Average earning assets | $878,542,400 | 689 |
| Average equity | $176,473,800 | 395 |
| Average total loans | $694,783,800 | 630 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 3,057 |
| Cost of funding earning assets | 0.6959% | 7,074 |
| Net interest margin | 4.6674% | 913 |
| Noninterest income to average assets | 1.4839% | 617 |
| Noninterest expense to average assets | 3.1252% | 3,213 |
| Loan and lease loss provision to assets | 0.6152% | 2,480 |
| Net operating income to assets | 1.0052% | 2,217 |
| Return on assets (ROA) | 1.0053% | 2,335 |
| Pretax return on assets | 1.5550% | 1,462 |
| Return on Equity (ROE) | 6.0753% | 3,779 |
| Retained earnings to average equity (ytd only) | 0.2819% | 5,673 |
| Net charge-offs to loans | 0.3946% | 3,707 |
| Credit loss provision to net charge-offs | 242.8355% | 1,390 |
| Earnings coverage of net charge-offs (x) | 8.5661% | 2,141 |
| Efficiency ratio | 55.9656% | 6,561 |
| Assets per employee ($millions) | 4.5629% | 2,810 |
| Cash dividends to net income (ytd only)* | 95.3592% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8139% | 2,741 |
| Loan loss allowance to noncurrent loans | 67.5285% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 2.7571% | 2,625 |
| Noncurrent loans to loans | 2.6861% | 2,947 |
| Net loans and leases to total assets | 68.2839% | 3,144 |
| Net loans and leases to deposits | 87.1096% | 2,138 |
| Net loans and leases to core deposits | 93.4295% | 2,604 |
| Total domestic deposits to total assets | 78.3884% | 6,172 |
| Equity capital to assets | 16.4701% | 595 |
| Core capital (leverage) ratio | 10.3830% | 2,819 |
| Tier 1 risk-based capital ratio | 10.9029% | 6,459 |
| Total risk-based capital ratio | 12.1586% | 6,435 |
| Memoranda: | ||
| Average total assets | $1,043,140,500 | 638 |
| Average earning assets | $851,815,250 | 708 |
| Average equity | $172,607,750 | 393 |
| Average total loans | $669,704,250 | 654 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 2,097 |
| Cost of funding earning assets | 0.7691% | 7,010 |
| Net interest margin | 4.8423% | 608 |
| Noninterest income to average assets | 1.6245% | 493 |
| Noninterest expense to average assets | 3.2002% | 2,901 |
| Loan and lease loss provision to assets | 0.7412% | 1,953 |
| Net operating income to assets | 1.0545% | 2,002 |
| Return on assets (ROA) | 1.0546% | 2,071 |
| Pretax return on assets | 1.6241% | 1,233 |
| Return on Equity (ROE) | 6.3621% | 3,614 |
| Retained earnings to average equity (ytd only) | 0.3476% | 5,620 |
| Net charge-offs to loans | 0.4384% | 3,233 |
| Credit loss provision to net charge-offs | 272.1083% | 1,382 |
| Earnings coverage of net charge-offs (x) | 8.6830% | 2,109 |
| Efficiency ratio | 54.4823% | 6,818 |
| Assets per employee ($millions) | 3.7800% | 4,269 |
| Cash dividends to net income (ytd only)* | 94.5358% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2732% | 1,633 |
| Loan loss allowance to noncurrent loans | 63.2681% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 3.1597% | 2,241 |
| Noncurrent loans to loans | 3.5929% | 2,197 |
| Net loans and leases to total assets | 61.6335% | 4,756 |
| Net loans and leases to deposits | 78.2672% | 3,919 |
| Net loans and leases to core deposits | 84.6165% | 4,054 |
| Total domestic deposits to total assets | 78.7476% | 6,105 |
| Equity capital to assets | 16.8418% | 554 |
| Core capital (leverage) ratio | 8.1124% | 6,100 |
| Tier 1 risk-based capital ratio | 11.1340% | 6,110 |
| Total risk-based capital ratio | 12.3951% | 6,086 |
| Memoranda: | ||
| Average total assets | $1,003,006,330 | 658 |
| Average earning assets | $816,261,670 | 746 |
| Average equity | $166,264,670 | 411 |
| Average total loans | $623,209,000 | 721 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4837% | 2,667 |
| Cost of funding earning assets | 0.8042% | 7,075 |
| Net interest margin | 4.6794% | 816 |
| Noninterest income to average assets | 1.4049% | 616 |
| Noninterest expense to average assets | 3.1506% | 3,054 |
| Loan and lease loss provision to assets | 0.4573% | 2,679 |
| Net operating income to assets | 1.0050% | 2,158 |
| Return on assets (ROA) | 1.0050% | 2,226 |
| Pretax return on assets | 1.6086% | 1,244 |
| Return on Equity (ROE) | 6.1108% | 3,821 |
| Retained earnings to average equity (ytd only) | 0.0867% | 5,790 |
| Net charge-offs to loans | 0.2622% | 3,366 |
| Credit loss provision to net charge-offs | 282.8431% | 1,396 |
| Earnings coverage of net charge-offs (x) | 12.7770% | 1,540 |
| Efficiency ratio | 57.1906% | 6,606 |
| Assets per employee ($millions) | 4.0127% | 3,837 |
| Cash dividends to net income (ytd only)* | 98.5804% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0325% | 2,098 |
| Loan loss allowance to noncurrent loans | 37.4480% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 3.7194% | 1,877 |
| Noncurrent loans to loans | 5.4276% | 1,300 |
| Net loans and leases to total assets | 60.2648% | 5,077 |
| Net loans and leases to deposits | 75.9248% | 4,431 |
| Net loans and leases to core deposits | 81.7881% | 4,525 |
| Total domestic deposits to total assets | 79.3743% | 5,993 |
| Equity capital to assets | 16.4911% | 604 |
| Core capital (leverage) ratio | 7.9997% | 6,241 |
| Tier 1 risk-based capital ratio | 10.9540% | 6,206 |
| Total risk-based capital ratio | 12.2121% | 6,170 |
| Memoranda: | ||
| Average total assets | $1,009,333,500 | 673 |
| Average earning assets | $822,149,000 | 756 |
| Average equity | $166,000,500 | 417 |
| Average total loans | $622,520,000 | 740 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9509% | 2,048 |
| Cost of funding earning assets | 1.1821% | 6,722 |
| Net interest margin | 4.7688% | 738 |
| Noninterest income to average assets | 2.2082% | 328 |
| Noninterest expense to average assets | 3.4933% | 2,391 |
| Loan and lease loss provision to assets | 0.8800% | 2,548 |
| Net operating income to assets | 1.0723% | 1,588 |
| Return on assets (ROA) | 1.0723% | 1,635 |
| Pretax return on assets | 1.7145% | 753 |
| Return on Equity (ROE) | 6.1745% | 3,137 |
| Retained earnings to average equity (ytd only) | 3.1296% | 2,968 |
| Net charge-offs to loans | 0.8140% | 2,794 |
| Credit loss provision to net charge-offs | 170.4774% | 2,502 |
| Earnings coverage of net charge-offs (x) | 5.0260% | 2,712 |
| Efficiency ratio | 55.0085% | 7,130 |
| Assets per employee ($millions) | 3.8169% | 4,242 |
| Cash dividends to net income (ytd only)* | 49.3145% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8941% | 2,273 |
| Loan loss allowance to noncurrent loans | 38.9307% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 3.4055% | 1,989 |
| Noncurrent loans to loans | 4.8653% | 1,403 |
| Net loans and leases to total assets | 60.6656% | 5,243 |
| Net loans and leases to deposits | 77.3677% | 4,491 |
| Net loans and leases to core deposits | 87.8965% | 5,342 |
| Total domestic deposits to total assets | 78.4121% | 6,140 |
| Equity capital to assets | 16.4022% | 638 |
| Core capital (leverage) ratio | 7.8602% | 6,373 |
| Tier 1 risk-based capital ratio | 10.7247% | 6,180 |
| Total risk-based capital ratio | 11.9811% | 6,153 |
| Memoranda: | ||
| Average total assets | $945,517,400 | 709 |
| Average earning assets | $769,227,200 | 806 |
| Average equity | $164,208,200 | 426 |
| Average total loans | $599,631,000 | 786 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9579% | 2,203 |
| Cost of funding earning assets | 1.2579% | 6,687 |
| Net interest margin | 4.7001% | 825 |
| Noninterest income to average assets | 2.4013% | 282 |
| Noninterest expense to average assets | 3.6192% | 1,984 |
| Loan and lease loss provision to assets | 0.9440% | 2,038 |
| Net operating income to assets | 1.0412% | 1,932 |
| Return on assets (ROA) | 1.0412% | 1,991 |
| Pretax return on assets | 1.6652% | 1,034 |
| Return on Equity (ROE) | 5.9060% | 3,565 |
| Retained earnings to average equity (ytd only) | 5.9060% | 2,000 |
| Net charge-offs to loans | 1.0007% | 1,971 |
| Credit loss provision to net charge-offs | 147.7538% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.0838% | 3,267 |
| Efficiency ratio | 55.7939% | 7,029 |
| Assets per employee ($millions) | 3.6865% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 2,664 |
| Loan loss allowance to noncurrent loans | 78.7455% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.9568% | 3,405 |
| Noncurrent loans to loans | 2.1477% | 3,447 |
| Net loans and leases to total assets | 60.1764% | 5,554 |
| Net loans and leases to deposits | 76.3192% | 4,982 |
| Net loans and leases to core deposits | 87.1965% | 5,729 |
| Total domestic deposits to total assets | 78.8483% | 5,850 |
| Equity capital to assets | 16.5466% | 702 |
| Core capital (leverage) ratio | 7.8189% | 6,596 |
| Tier 1 risk-based capital ratio | 10.4744% | 6,495 |
| Total risk-based capital ratio | 11.7277% | 6,446 |
| Memoranda: | ||
| Average total assets | $929,026,250 | 736 |
| Average earning assets | $756,483,000 | 828 |
| Average equity | $163,784,000 | 433 |
| Average total loans | $593,171,500 | 817 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0577% | 1,954 |
| Cost of funding earning assets | 1.3040% | 6,795 |
| Net interest margin | 4.7538% | 723 |
| Noninterest income to average assets | 1.4103% | 759 |
| Noninterest expense to average assets | 3.4898% | 2,369 |
| Loan and lease loss provision to assets | 0.4416% | 3,342 |
| Net operating income to assets | 0.8491% | 2,656 |
| Return on assets (ROA) | 0.8491% | 2,758 |
| Pretax return on assets | 1.3534% | 1,858 |
| Return on Equity (ROE) | 4.7073% | 4,210 |
| Retained earnings to average equity (ytd only) | 4.7073% | 2,682 |
| Net charge-offs to loans | 0.2239% | 4,098 |
| Credit loss provision to net charge-offs | 304.1348% | 1,528 |
| Earnings coverage of net charge-offs (x) | 12.3629% | 1,824 |
| Efficiency ratio | 63.5029% | 6,002 |
| Assets per employee ($millions) | 3.5752% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 2,839 |
| Loan loss allowance to noncurrent loans | 149.9615% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.2576% | 4,423 |
| Noncurrent loans to loans | 1.0511% | 5,113 |
| Net loans and leases to total assets | 60.7560% | 5,559 |
| Net loans and leases to deposits | 77.3029% | 4,975 |
| Net loans and leases to core deposits | 88.7109% | 5,662 |
| Total domestic deposits to total assets | 78.5947% | 5,928 |
| Equity capital to assets | 16.4156% | 765 |
| Core capital (leverage) ratio | 7.8146% | 6,597 |
| Tier 1 risk-based capital ratio | 10.1259% | 6,802 |
| Total risk-based capital ratio | 11.3781% | 6,722 |
| Memoranda: | ||
| Average total assets | $899,542,670 | 780 |
| Average earning assets | $733,147,000 | 874 |
| Average equity | $162,259,330 | 443 |
| Average total loans | $583,290,670 | 852 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9958% | 2,388 |
| Cost of funding earning assets | 1.2402% | 7,203 |
| Net interest margin | 4.7556% | 671 |
| Noninterest income to average assets | 1.3850% | 738 |
| Noninterest expense to average assets | 3.4482% | 2,235 |
| Loan and lease loss provision to assets | 0.5217% | 2,382 |
| Net operating income to assets | 0.8256% | 3,023 |
| Return on assets (ROA) | 0.8256% | 3,178 |
| Pretax return on assets | 1.3148% | 2,231 |
| Return on Equity (ROE) | 4.3467% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.3467% | 3,500 |
| Net charge-offs to loans | 0.2643% | 3,078 |
| Credit loss provision to net charge-offs | 295.9893% | 1,646 |
| Earnings coverage of net charge-offs (x) | 10.4198% | 1,954 |
| Efficiency ratio | 62.5647% | 5,959 |
| Assets per employee ($millions) | 3.3876% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 2,521 |
| Loan loss allowance to noncurrent loans | 147.0636% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 4,692 |
| Noncurrent loans to loans | 1.0877% | 4,808 |
| Net loans and leases to total assets | 65.5996% | 4,671 |
| Net loans and leases to deposits | 85.8881% | 3,653 |
| Net loans and leases to core deposits | 96.8302% | 4,863 |
| Total domestic deposits to total assets | 76.3780% | 6,437 |
| Equity capital to assets | 18.9207% | 506 |
| Core capital (leverage) ratio | 9.0856% | 4,578 |
| Tier 1 risk-based capital ratio | 11.1707% | 5,732 |
| Total risk-based capital ratio | 12.4239% | 5,646 |
| Memoranda: | ||
| Average total assets | $848,786,500 | 833 |
| Average earning assets | $696,023,500 | 917 |
| Average equity | $161,224,500 | 440 |
| Average total loans | $565,965,500 | 882 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4845% | 3,034 |
| Cost of funding earning assets | 1.7397% | 7,160 |
| Net interest margin | 4.7449% | 878 |
| Noninterest income to average assets | 1.3374% | 805 |
| Noninterest expense to average assets | 3.4552% | 2,510 |
| Loan and lease loss provision to assets | 0.3830% | 3,399 |
| Net operating income to assets | 0.8569% | 3,195 |
| Return on assets (ROA) | 0.8569% | 3,036 |
| Pretax return on assets | 1.3603% | 2,091 |
| Return on Equity (ROE) | 4.5658% | 4,570 |
| Retained earnings to average equity (ytd only) | 0.1996% | 5,114 |
| Net charge-offs to loans | 0.5324% | 2,232 |
| Credit loss provision to net charge-offs | 110.9153% | 4,861 |
| Earnings coverage of net charge-offs (x) | 5.0481% | 3,770 |
| Efficiency ratio | 63.8008% | 5,606 |
| Assets per employee ($millions) | 3.2452% | 5,348 |
| Cash dividends to net income (ytd only)* | 95.6284% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 2,697 |
| Loan loss allowance to noncurrent loans | 139.7905% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 4,660 |
| Noncurrent loans to loans | 1.0728% | 4,423 |
| Net loans and leases to total assets | 65.6927% | 4,913 |
| Net loans and leases to deposits | 86.4487% | 4,048 |
| Net loans and leases to core deposits | 96.2805% | 5,228 |
| Total domestic deposits to total assets | 75.9905% | 6,240 |
| Equity capital to assets | 19.0702% | 536 |
| Core capital (leverage) ratio | 8.8710% | 4,933 |
| Tier 1 risk-based capital ratio | 10.9106% | 5,802 |
| Total risk-based capital ratio | 12.1626% | 5,723 |
| Memoranda: | ||
| Average total assets | $854,221,800 | 796 |
| Average earning assets | $695,131,400 | 878 |
| Average equity | $160,320,800 | 442 |
| Average total loans | $554,133,800 | 865 |