Home > Civista Bank > Performance and Condition Ratios
Civista Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 600,186.0000% | 6 |
| Cost of funding earning assets | 1,567.0000% | 6 |
| Net interest margin | 0.0000% | 4,423 |
| Noninterest income to average assets | 5.0000% | 138 |
| Noninterest expense to average assets | 0.0000% | 4,437 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 1.1329% | 1,914 |
| Pretax return on assets | 1.3296% | 1,891 |
| Return on Equity (ROE) | 10.0500% | 2,295 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,662 |
| Net charge-offs to loans | 14.0000% | 20 |
| Credit loss provision to net charge-offs | 1.0000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 654 |
| Efficiency ratio | 367,495.0000% | 4 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 5.7423% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15,245.0000% | 6 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0026% | 4,342 |
| Total domestic deposits to total assets | 0.6481% | 4,395 |
| Equity capital to assets | 164,195.0000% | 14 |
| Core capital (leverage) ratio | 0.1005% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,000 | 4,465 |
| Average earning assets | $10,602 | 4,439 |
| Average equity | $0 | 4,424 |
| Average total loans | NA | NA |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7596% | 1,652 |
| Cost of funding earning assets | 2.3728% | 1,409 |
| Net interest margin | 3.3869% | 2,309 |
| Noninterest income to average assets | 0.9400% | 685 |
| Noninterest expense to average assets | 2.8141% | 1,473 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.8943% | 2,404 |
| Return on assets (ROA) | 0.8950% | 2,404 |
| Pretax return on assets | 1.0527% | 2,383 |
| Return on Equity (ROE) | 7.7900% | 2,814 |
| Retained earnings to average equity (ytd only) | 3.3395% | 2,900 |
| Net charge-offs to loans | 0.1131% | 1,085 |
| Credit loss provision to net charge-offs | 174.3187% | 1,246 |
| Earnings coverage of net charge-offs (x) | 13.9624% | 2,082 |
| Efficiency ratio | 69.4007% | 2,076 |
| Assets per employee ($millions) | 7.8788% | 1,601 |
| Cash dividends to net income (ytd only)* | 57.1155% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 1,732 |
| Loan loss allowance to noncurrent loans | 127.2462% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 969 |
| Noncurrent loans to loans | 1.0116% | 990 |
| Net loans and leases to total assets | 74.4000% | 1,353 |
| Net loans and leases to deposits | 94.4593% | 830 |
| Net loans and leases to core deposits | 117.2210% | 687 |
| Total domestic deposits to total assets | 78.7600% | 3,690 |
| Equity capital to assets | 11.2511% | 1,479 |
| Core capital (leverage) ratio | 9.6171% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8506% | 2,273 |
| Memoranda: | ||
| Average total assets | $3,971,356,800 | 339 |
| Average earning assets | $3,584,558,200 | 334 |
| Average equity | $456,409,400 | 305 |
| Average total loans | $2,983,962,400 | 321 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7513% | 1,638 |
| Cost of funding earning assets | 2.4155% | 1,323 |
| Net interest margin | 3.3359% | 2,374 |
| Noninterest income to average assets | 0.9600% | 643 |
| Noninterest expense to average assets | 2.8313% | 1,406 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 0.8437% | 2,543 |
| Return on assets (ROA) | 0.8437% | 2,562 |
| Pretax return on assets | 0.9799% | 2,602 |
| Return on Equity (ROE) | 7.3000% | 2,954 |
| Retained earnings to average equity (ytd only) | 4.7256% | 2,568 |
| Net charge-offs to loans | 0.0487% | 1,417 |
| Credit loss provision to net charge-offs | 480.3704% | 645 |
| Earnings coverage of net charge-offs (x) | 31.1463% | 1,491 |
| Efficiency ratio | 70.3799% | 1,975 |
| Assets per employee ($millions) | 7.8193% | 1,623 |
| Cash dividends to net income (ytd only)* | 35.2790% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,510 |
| Loan loss allowance to noncurrent loans | 250.2759% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 1,651 |
| Noncurrent loans to loans | 0.5402% | 1,741 |
| Net loans and leases to total assets | 74.3400% | 1,324 |
| Net loans and leases to deposits | 93.3635% | 918 |
| Net loans and leases to core deposits | 117.7678% | 680 |
| Total domestic deposits to total assets | 79.6200% | 3,522 |
| Equity capital to assets | 11.7128% | 1,389 |
| Core capital (leverage) ratio | 9.6453% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9686% | 2,253 |
| Memoranda: | ||
| Average total assets | $3,941,916,250 | 331 |
| Average earning assets | $3,553,384,250 | 332 |
| Average equity | $455,494,000 | 301 |
| Average total loans | $2,959,479,250 | 313 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7174% | 1,575 |
| Cost of funding earning assets | 2.3933% | 1,271 |
| Net interest margin | 3.3240% | 2,358 |
| Noninterest income to average assets | 0.9500% | 653 |
| Noninterest expense to average assets | 2.8424% | 1,379 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | 0.7842% | 2,675 |
| Return on assets (ROA) | 0.7842% | 2,691 |
| Pretax return on assets | 0.9153% | 2,724 |
| Return on Equity (ROE) | 6.8200% | 3,040 |
| Retained earnings to average equity (ytd only) | 2.9008% | 3,067 |
| Net charge-offs to loans | 0.0739% | 1,047 |
| Credit loss provision to net charge-offs | 355.0832% | 760 |
| Earnings coverage of net charge-offs (x) | 19.8900% | 1,636 |
| Efficiency ratio | 71.0788% | 1,968 |
| Assets per employee ($millions) | 7.4541% | 1,760 |
| Cash dividends to net income (ytd only)* | 57.4600% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 1,647 |
| Loan loss allowance to noncurrent loans | 261.2053% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 1,658 |
| Noncurrent loans to loans | 0.5060% | 1,740 |
| Net loans and leases to total assets | 74.4600% | 1,365 |
| Net loans and leases to deposits | 99.8339% | 560 |
| Net loans and leases to core deposits | 126.7908% | 472 |
| Total domestic deposits to total assets | 74.5800% | 4,013 |
| Equity capital to assets | 11.2513% | 1,450 |
| Core capital (leverage) ratio | 9.7319% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8476% | 2,307 |
| Memoranda: | ||
| Average total assets | $3,905,763,000 | 339 |
| Average earning assets | $3,518,929,333 | 335 |
| Average equity | $449,187,000 | 304 |
| Average total loans | $2,928,557,333 | 315 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7587% | 1,389 |
| Cost of funding earning assets | 2.3600% | 1,238 |
| Net interest margin | 3.3988% | 2,103 |
| Noninterest income to average assets | 0.8700% | 709 |
| Noninterest expense to average assets | 2.8467% | 1,349 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.7564% | 2,661 |
| Return on assets (ROA) | 0.7564% | 2,681 |
| Pretax return on assets | 0.8829% | 2,714 |
| Return on Equity (ROE) | 6.5000% | 3,081 |
| Retained earnings to average equity (ytd only) | 1.8672% | 3,272 |
| Net charge-offs to loans | 0.0490% | 1,041 |
| Credit loss provision to net charge-offs | 578.4703% | 475 |
| Earnings coverage of net charge-offs (x) | 29.7620% | 1,174 |
| Efficiency ratio | 71.2912% | 2,012 |
| Assets per employee ($millions) | 7.1835% | 1,970 |
| Cash dividends to net income (ytd only)* | 71.2915% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 1,612 |
| Loan loss allowance to noncurrent loans | 242.2310% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 1,492 |
| Noncurrent loans to loans | 0.5527% | 1,542 |
| Net loans and leases to total assets | 73.9400% | 1,340 |
| Net loans and leases to deposits | 95.7298% | 736 |
| Net loans and leases to core deposits | 121.2080% | 597 |
| Total domestic deposits to total assets | 77.2400% | 3,883 |
| Equity capital to assets | 11.5326% | 1,295 |
| Core capital (leverage) ratio | 9.8031% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5182% | 2,070 |
| Memoranda: | ||
| Average total assets | $3,857,211,000 | 346 |
| Average earning assets | $3,477,151,000 | 339 |
| Average equity | $448,594,000 | 306 |
| Average total loans | $2,882,653,500 | 322 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4844% | 1,182 |
| Cost of funding earning assets | 1.4977% | 1,946 |
| Net interest margin | 3.9867% | 1,230 |
| Noninterest income to average assets | 1.0300% | 599 |
| Noninterest expense to average assets | 2.9256% | 1,223 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.2808% | 1,470 |
| Return on assets (ROA) | 1.2808% | 1,439 |
| Pretax return on assets | 1.5251% | 1,367 |
| Return on Equity (ROE) | 10.9800% | 2,232 |
| Retained earnings to average equity (ytd only) | 4.3928% | 2,831 |
| Net charge-offs to loans | 0.0366% | 1,576 |
| Credit loss provision to net charge-offs | 452.6531% | 722 |
| Earnings coverage of net charge-offs (x) | 61.9612% | 1,173 |
| Efficiency ratio | 62.8513% | 2,746 |
| Assets per employee ($millions) | 7.2228% | 1,921 |
| Cash dividends to net income (ytd only)* | 59.9940% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 1,778 |
| Loan loss allowance to noncurrent loans | 296.3317% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 1,638 |
| Noncurrent loans to loans | 0.4379% | 1,681 |
| Net loans and leases to total assets | 73.5500% | 1,416 |
| Net loans and leases to deposits | 94.4247% | 909 |
| Net loans and leases to core deposits | 118.8105% | 658 |
| Total domestic deposits to total assets | 77.9000% | 3,741 |
| Equity capital to assets | 11.7282% | 1,220 |
| Core capital (leverage) ratio | 9.9978% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5284% | 2,055 |
| Memoranda: | ||
| Average total assets | $3,656,905,600 | 346 |
| Average earning assets | $3,265,890,000 | 342 |
| Average equity | $426,558,200 | 302 |
| Average total loans | $2,677,621,400 | 324 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4142% | 1,115 |
| Cost of funding earning assets | 1.3109% | 2,122 |
| Net interest margin | 4.1033% | 1,061 |
| Noninterest income to average assets | 1.0600% | 588 |
| Noninterest expense to average assets | 3.0059% | 1,063 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.3450% | 1,434 |
| Return on assets (ROA) | 1.3450% | 1,420 |
| Pretax return on assets | 1.6074% | 1,341 |
| Return on Equity (ROE) | 11.5500% | 2,238 |
| Retained earnings to average equity (ytd only) | 4.4457% | 3,126 |
| Net charge-offs to loans | 0.0271% | 1,527 |
| Credit loss provision to net charge-offs | 394.5794% | 728 |
| Earnings coverage of net charge-offs (x) | 86.4187% | 994 |
| Efficiency ratio | 62.8393% | 2,627 |
| Assets per employee ($millions) | 7.3051% | 1,753 |
| Cash dividends to net income (ytd only)* | 61.5013% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 1,963 |
| Loan loss allowance to noncurrent loans | 404.9122% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 2,081 |
| Noncurrent loans to loans | 0.3161% | 2,099 |
| Net loans and leases to total assets | 73.1800% | 1,450 |
| Net loans and leases to deposits | 97.0082% | 684 |
| Net loans and leases to core deposits | 111.9475% | 800 |
| Total domestic deposits to total assets | 75.4400% | 4,065 |
| Equity capital to assets | 11.1552% | 1,288 |
| Core capital (leverage) ratio | 10.1462% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6456% | 2,030 |
| Memoranda: | ||
| Average total assets | $3,610,501,000 | 353 |
| Average earning assets | $3,214,987,250 | 352 |
| Average equity | $420,533,250 | 306 |
| Average total loans | $2,631,163,750 | 329 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3351% | 1,034 |
| Cost of funding earning assets | 1.1682% | 2,083 |
| Net interest margin | 4.1669% | 975 |
| Noninterest income to average assets | 1.1500% | 468 |
| Noninterest expense to average assets | 3.0690% | 939 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.3990% | 1,337 |
| Return on assets (ROA) | 1.3990% | 1,316 |
| Pretax return on assets | 1.6742% | 1,266 |
| Return on Equity (ROE) | 11.8400% | 2,206 |
| Retained earnings to average equity (ytd only) | 3.7893% | 3,254 |
| Net charge-offs to loans | 0.0028% | 2,244 |
| Credit loss provision to net charge-offs | 4,113.8889% | 131 |
| Earnings coverage of net charge-offs (x) | 885.2222% | 172 |
| Efficiency ratio | 62.3328% | 2,673 |
| Assets per employee ($millions) | 6.7852% | 2,079 |
| Cash dividends to net income (ytd only)* | 67.9891% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 1,793 |
| Loan loss allowance to noncurrent loans | 440.9610% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 2,091 |
| Noncurrent loans to loans | 0.3020% | 2,051 |
| Net loans and leases to total assets | 72.1400% | 1,514 |
| Net loans and leases to deposits | 88.0853% | 1,339 |
| Net loans and leases to core deposits | 100.5594% | 1,207 |
| Total domestic deposits to total assets | 81.9000% | 3,251 |
| Equity capital to assets | 11.9804% | 1,055 |
| Core capital (leverage) ratio | 10.2689% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9115% | 1,937 |
| Memoranda: | ||
| Average total assets | $3,574,564,333 | 342 |
| Average earning assets | $3,178,925,667 | 343 |
| Average equity | $422,449,667 | 296 |
| Average total loans | $2,589,392,000 | 320 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 874 |
| Cost of funding earning assets | 0.9849% | 2,098 |
| Net interest margin | 4.2755% | 846 |
| Noninterest income to average assets | 1.2900% | 397 |
| Noninterest expense to average assets | 3.0697% | 974 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.5974% | 982 |
| Return on assets (ROA) | 1.5974% | 979 |
| Pretax return on assets | 1.9202% | 885 |
| Return on Equity (ROE) | 13.6100% | 1,859 |
| Retained earnings to average equity (ytd only) | 4.1251% | 3,239 |
| Net charge-offs to loans | 0.0200% | 1,281 |
| Credit loss provision to net charge-offs | 484.3750% | 562 |
| Earnings coverage of net charge-offs (x) | 139.8125% | 634 |
| Efficiency ratio | 59.5203% | 3,014 |
| Assets per employee ($millions) | 6.7305% | 2,166 |
| Cash dividends to net income (ytd only)* | 69.6938% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,922 |
| Loan loss allowance to noncurrent loans | 486.6373% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 2,161 |
| Noncurrent loans to loans | 0.2722% | 2,167 |
| Net loans and leases to total assets | 71.1400% | 1,507 |
| Net loans and leases to deposits | 88.7483% | 1,154 |
| Net loans and leases to core deposits | 100.8541% | 1,053 |
| Total domestic deposits to total assets | 80.1600% | 3,743 |
| Equity capital to assets | 11.7471% | 1,073 |
| Core capital (leverage) ratio | 9.8190% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4395% | 2,202 |
| Memoranda: | ||
| Average total assets | $3,556,975,500 | 356 |
| Average earning assets | $3,155,337,000 | 353 |
| Average equity | $417,443,000 | 305 |
| Average total loans | $2,564,440,500 | 334 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 1,894 |
| Cost of funding earning assets | 0.2360% | 3,450 |
| Net interest margin | 3.6991% | 1,378 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.6364% | 1,709 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2771% | 1,510 |
| Return on assets (ROA) | 1.2774% | 1,465 |
| Pretax return on assets | 1.5351% | 1,345 |
| Return on Equity (ROE) | 10.6500% | 2,591 |
| Retained earnings to average equity (ytd only) | 4.1842% | 3,333 |
| Net charge-offs to loans | -0.0051% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.5268% | 2,833 |
| Assets per employee ($millions) | 7.1093% | 1,887 |
| Cash dividends to net income (ytd only)* | 60.7012% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,797 |
| Loan loss allowance to noncurrent loans | 361.3561% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 2,042 |
| Noncurrent loans to loans | 0.3097% | 2,039 |
| Net loans and leases to total assets | 71.2900% | 1,494 |
| Net loans and leases to deposits | 95.3530% | 689 |
| Net loans and leases to core deposits | 100.7102% | 964 |
| Total domestic deposits to total assets | 74.7600% | 4,327 |
| Equity capital to assets | 11.7245% | 1,016 |
| Core capital (leverage) ratio | 10.2977% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3619% | 2,217 |
| Memoranda: | ||
| Average total assets | $3,391,852,400 | 356 |
| Average earning assets | $3,079,843,000 | 350 |
| Average equity | $406,931,600 | 301 |
| Average total loans | $2,295,963,800 | 337 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 2,291 |
| Cost of funding earning assets | 0.1271% | 4,055 |
| Net interest margin | 3.4912% | 1,686 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.4504% | 2,159 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2219% | 1,622 |
| Return on assets (ROA) | 1.2223% | 1,597 |
| Pretax return on assets | 1.4665% | 1,508 |
| Return on Equity (ROE) | 10.1300% | 2,683 |
| Retained earnings to average equity (ytd only) | 4.4992% | 3,288 |
| Net charge-offs to loans | -0.0079% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.0442% | 2,963 |
| Assets per employee ($millions) | 6.4819% | 2,336 |
| Cash dividends to net income (ytd only)* | 55.5736% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,579 |
| Loan loss allowance to noncurrent loans | 555.2379% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 2,534 |
| Noncurrent loans to loans | 0.2145% | 2,537 |
| Net loans and leases to total assets | 71.2400% | 1,372 |
| Net loans and leases to deposits | 84.7039% | 1,255 |
| Net loans and leases to core deposits | 87.5042% | 1,439 |
| Total domestic deposits to total assets | 84.1100% | 3,478 |
| Equity capital to assets | 12.0283% | 882 |
| Core capital (leverage) ratio | 10.8501% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8367% | 1,756 |
| Memoranda: | ||
| Average total assets | $3,356,489,250 | 357 |
| Average earning assets | $3,066,546,250 | 352 |
| Average equity | $405,098,750 | 302 |
| Average total loans | $2,233,117,250 | 341 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6094% | 1,815 |
| Cost of funding earning assets | 0.1284% | 3,860 |
| Net interest margin | 3.4810% | 1,370 |
| Noninterest income to average assets | 0.8746% | 890 |
| Noninterest expense to average assets | 2.5760% | 1,709 |
| Loan and lease loss provision to assets | 0.0456% | 1,758 |
| Net operating income to assets | 1.2049% | 1,407 |
| Return on assets (ROA) | 1.2053% | 1,392 |
| Pretax return on assets | 1.4352% | 1,344 |
| Return on Equity (ROE) | 9.6494% | 2,474 |
| Retained earnings to average equity (ytd only) | 4.2834% | 2,980 |
| Net charge-offs to loans | -0.0093% | 3,566 |
| Credit loss provision to net charge-offs | -744.6809% | 3,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8106% | 2,942 |
| Assets per employee ($millions) | 6.7132% | 2,163 |
| Cash dividends to net income (ytd only)* | 55.6095% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,064 |
| Loan loss allowance to noncurrent loans | 770.4297% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 2,884 |
| Noncurrent loans to loans | 0.1722% | 2,835 |
| Net loans and leases to total assets | 67.2609% | 1,556 |
| Net loans and leases to deposits | 81.8265% | 1,258 |
| Net loans and leases to core deposits | 83.4664% | 1,484 |
| Total domestic deposits to total assets | 82.1994% | 3,979 |
| Equity capital to assets | 11.9025% | 909 |
| Core capital (leverage) ratio | 10.6846% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9798% | 1,436 |
| Memoranda: | ||
| Average total assets | $3,073,476,000 | 380 |
| Average earning assets | $2,809,258,333 | 381 |
| Average equity | $383,900,333 | 320 |
| Average total loans | $2,030,407,000 | 363 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 1,865 |
| Cost of funding earning assets | 0.1268% | 3,812 |
| Net interest margin | 3.3548% | 1,423 |
| Noninterest income to average assets | 0.9825% | 699 |
| Noninterest expense to average assets | 2.5506% | 1,746 |
| Loan and lease loss provision to assets | 0.0388% | 1,664 |
| Net operating income to assets | 1.2277% | 1,174 |
| Return on assets (ROA) | 1.2277% | 1,158 |
| Pretax return on assets | 1.4645% | 1,092 |
| Return on Equity (ROE) | 9.6067% | 2,120 |
| Retained earnings to average equity (ytd only) | 3.9396% | 2,952 |
| Net charge-offs to loans | -0.0183% | 3,867 |
| Credit loss provision to net charge-offs | -326.0870% | 3,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2261% | 3,236 |
| Assets per employee ($millions) | 7.1783% | 1,873 |
| Cash dividends to net income (ytd only)* | 58.9908% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,191 |
| Loan loss allowance to noncurrent loans | 690.3218% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 2,953 |
| Noncurrent loans to loans | 0.1936% | 2,848 |
| Net loans and leases to total assets | 62.7656% | 1,768 |
| Net loans and leases to deposits | 75.0081% | 1,524 |
| Net loans and leases to core deposits | 76.5477% | 1,744 |
| Total domestic deposits to total assets | 83.6784% | 3,830 |
| Equity capital to assets | 12.0262% | 941 |
| Core capital (leverage) ratio | 10.1469% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1978% | 1,461 |
| Memoranda: | ||
| Average total assets | $3,093,022,500 | 381 |
| Average earning assets | $2,831,754,000 | 383 |
| Average equity | $395,267,000 | 319 |
| Average total loans | $2,011,416,500 | 361 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 1,910 |
| Cost of funding earning assets | 0.1996% | 3,463 |
| Net interest margin | 3.5861% | 1,505 |
| Noninterest income to average assets | 1.0066% | 994 |
| Noninterest expense to average assets | 2.6690% | 1,716 |
| Loan and lease loss provision to assets | 0.0283% | 2,492 |
| Net operating income to assets | 1.3451% | 1,461 |
| Return on assets (ROA) | 1.3968% | 1,343 |
| Pretax return on assets | 1.6501% | 1,273 |
| Return on Equity (ROE) | 11.3783% | 2,028 |
| Retained earnings to average equity (ytd only) | 5.8585% | 2,418 |
| Net charge-offs to loans | -0.0385% | 4,212 |
| Credit loss provision to net charge-offs | -106.0026% | 3,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5587% | 2,929 |
| Assets per employee ($millions) | 6.7704% | 2,094 |
| Cash dividends to net income (ytd only)* | 48.5117% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,225 |
| Loan loss allowance to noncurrent loans | 687.8647% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 3,033 |
| Noncurrent loans to loans | 0.1937% | 2,982 |
| Net loans and leases to total assets | 65.6415% | 1,515 |
| Net loans and leases to deposits | 80.1368% | 1,203 |
| Net loans and leases to core deposits | 82.7747% | 1,400 |
| Total domestic deposits to total assets | 81.9118% | 3,981 |
| Equity capital to assets | 13.5760% | 748 |
| Core capital (leverage) ratio | 10.8370% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4580% | 1,398 |
| Memoranda: | ||
| Average total assets | $2,936,819,000 | 380 |
| Average earning assets | $2,686,119,400 | 381 |
| Average equity | $360,519,000 | 349 |
| Average total loans | $2,034,360,000 | 359 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 1,913 |
| Cost of funding earning assets | 0.2178% | 3,442 |
| Net interest margin | 3.6321% | 1,518 |
| Noninterest income to average assets | 1.0319% | 1,014 |
| Noninterest expense to average assets | 2.7885% | 1,370 |
| Loan and lease loss provision to assets | 0.0379% | 2,233 |
| Net operating income to assets | 1.2898% | 1,852 |
| Return on assets (ROA) | 1.3591% | 1,716 |
| Pretax return on assets | 1.6030% | 1,693 |
| Return on Equity (ROE) | 11.3820% | 2,250 |
| Retained earnings to average equity (ytd only) | 5.6071% | 2,997 |
| Net charge-offs to loans | -0.0463% | 4,323 |
| Credit loss provision to net charge-offs | -116.9014% | 3,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4339% | 2,470 |
| Assets per employee ($millions) | 6.5357% | 2,218 |
| Cash dividends to net income (ytd only)* | 50.7375% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 2,388 |
| Loan loss allowance to noncurrent loans | 638.8074% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 3,164 |
| Noncurrent loans to loans | 0.2069% | 3,125 |
| Net loans and leases to total assets | 67.3105% | 1,396 |
| Net loans and leases to deposits | 81.1415% | 1,179 |
| Net loans and leases to core deposits | 83.8012% | 1,440 |
| Total domestic deposits to total assets | 82.9544% | 3,721 |
| Equity capital to assets | 11.9866% | 1,409 |
| Core capital (leverage) ratio | 9.3045% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4578% | 2,183 |
| Memoranda: | ||
| Average total assets | $2,919,514,000 | 384 |
| Average earning assets | $2,665,357,250 | 386 |
| Average equity | $348,623,750 | 358 |
| Average total loans | $2,042,987,250 | 360 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 1,922 |
| Cost of funding earning assets | 0.2400% | 3,374 |
| Net interest margin | 3.6194% | 1,546 |
| Noninterest income to average assets | 1.1412% | 872 |
| Noninterest expense to average assets | 2.8824% | 1,178 |
| Loan and lease loss provision to assets | 0.0570% | 1,891 |
| Net operating income to assets | 1.2798% | 1,922 |
| Return on assets (ROA) | 1.3840% | 1,684 |
| Pretax return on assets | 1.6234% | 1,676 |
| Return on Equity (ROE) | 11.6050% | 2,199 |
| Retained earnings to average equity (ytd only) | 5.5541% | 2,974 |
| Net charge-offs to loans | -0.0330% | 4,200 |
| Credit loss provision to net charge-offs | -244.8378% | 3,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2254% | 2,397 |
| Assets per employee ($millions) | 6.4610% | 2,192 |
| Cash dividends to net income (ytd only)* | 52.1402% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,474 |
| Loan loss allowance to noncurrent loans | 610.9375% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 3,265 |
| Noncurrent loans to loans | 0.2117% | 3,203 |
| Net loans and leases to total assets | 68.4714% | 1,389 |
| Net loans and leases to deposits | 82.6130% | 1,161 |
| Net loans and leases to core deposits | 85.3441% | 1,466 |
| Total domestic deposits to total assets | 82.8821% | 3,732 |
| Equity capital to assets | 12.0177% | 1,354 |
| Core capital (leverage) ratio | 9.0052% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5743% | 2,132 |
| Memoranda: | ||
| Average total assets | $2,910,146,333 | 383 |
| Average earning assets | $2,652,658,667 | 383 |
| Average equity | $347,058,667 | 354 |
| Average total loans | $2,053,775,000 | 358 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 1,871 |
| Cost of funding earning assets | 0.2585% | 3,394 |
| Net interest margin | 3.6253% | 1,516 |
| Noninterest income to average assets | 1.2425% | 810 |
| Noninterest expense to average assets | 2.6287% | 1,804 |
| Loan and lease loss provision to assets | 0.1143% | 1,204 |
| Net operating income to assets | 1.5080% | 1,311 |
| Return on assets (ROA) | 1.5079% | 1,371 |
| Pretax return on assets | 1.8028% | 1,285 |
| Return on Equity (ROE) | 12.6929% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.8976% | 2,606 |
| Net charge-offs to loans | -0.0532% | 4,418 |
| Credit loss provision to net charge-offs | -301.8182% | 3,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9317% | 3,433 |
| Assets per employee ($millions) | 6.6384% | 2,066 |
| Cash dividends to net income (ytd only)* | 45.6579% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,604 |
| Loan loss allowance to noncurrent loans | 599.3807% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 3,459 |
| Noncurrent loans to loans | 0.2105% | 3,353 |
| Net loans and leases to total assets | 66.9648% | 1,668 |
| Net loans and leases to deposits | 81.9239% | 1,342 |
| Net loans and leases to core deposits | 84.5261% | 1,630 |
| Total domestic deposits to total assets | 81.7402% | 3,945 |
| Equity capital to assets | 11.3117% | 1,651 |
| Core capital (leverage) ratio | 8.2753% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9003% | 1,928 |
| Memoranda: | ||
| Average total assets | $2,905,035,000 | 382 |
| Average earning assets | $2,647,098,000 | 385 |
| Average equity | $345,107,500 | 352 |
| Average total loans | $2,067,755,500 | 357 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 2,076 |
| Cost of funding earning assets | 0.3890% | 3,653 |
| Net interest margin | 3.8325% | 1,414 |
| Noninterest income to average assets | 1.0684% | 932 |
| Noninterest expense to average assets | 2.6719% | 2,323 |
| Loan and lease loss provision to assets | 0.3816% | 844 |
| Net operating income to assets | 1.2292% | 1,448 |
| Return on assets (ROA) | 1.2322% | 1,549 |
| Pretax return on assets | 1.4362% | 1,552 |
| Return on Equity (ROE) | 9.8247% | 2,068 |
| Retained earnings to average equity (ytd only) | 5.2212% | 2,175 |
| Net charge-offs to loans | -0.0077% | 4,211 |
| Credit loss provision to net charge-offs | -6,786.5772% | 4,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7047% | 3,631 |
| Assets per employee ($millions) | 6.0315% | 2,313 |
| Cash dividends to net income (ytd only)* | 46.8563% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,878 |
| Loan loss allowance to noncurrent loans | 463.6532% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 3,298 |
| Noncurrent loans to loans | 0.2615% | 3,257 |
| Net loans and leases to total assets | 73.9901% | 1,021 |
| Net loans and leases to deposits | 92.3402% | 758 |
| Net loans and leases to core deposits | 98.3524% | 994 |
| Total domestic deposits to total assets | 80.1277% | 4,021 |
| Equity capital to assets | 12.5088% | 1,317 |
| Core capital (leverage) ratio | 9.6089% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4340% | 2,072 |
| Memoranda: | ||
| Average total assets | $2,649,899,000 | 381 |
| Average earning assets | $2,363,129,400 | 384 |
| Average equity | $332,355,800 | 345 |
| Average total loans | $1,924,439,800 | 363 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 2,267 |
| Cost of funding earning assets | 0.4120% | 3,753 |
| Net interest margin | 3.8327% | 1,525 |
| Noninterest income to average assets | 1.0526% | 939 |
| Noninterest expense to average assets | 2.7239% | 2,189 |
| Loan and lease loss provision to assets | 0.3996% | 884 |
| Net operating income to assets | 1.1490% | 1,823 |
| Return on assets (ROA) | 1.1530% | 1,924 |
| Pretax return on assets | 1.3333% | 1,926 |
| Return on Equity (ROE) | 9.1864% | 2,318 |
| Retained earnings to average equity (ytd only) | 4.5699% | 2,761 |
| Net charge-offs to loans | -0.0006% | 3,786 |
| Credit loss provision to net charge-offs | -98,275.0000% | 4,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3996% | 3,330 |
| Assets per employee ($millions) | 6.2739% | 2,024 |
| Cash dividends to net income (ytd only)* | 50.2535% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,197 |
| Loan loss allowance to noncurrent loans | 394.5790% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 3,419 |
| Noncurrent loans to loans | 0.2793% | 3,290 |
| Net loans and leases to total assets | 72.2795% | 1,623 |
| Net loans and leases to deposits | 97.4312% | 663 |
| Net loans and leases to core deposits | 104.3214% | 907 |
| Total domestic deposits to total assets | 74.1851% | 4,557 |
| Equity capital to assets | 12.0153% | 1,667 |
| Core capital (leverage) ratio | 9.6130% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4591% | 2,015 |
| Memoranda: | ||
| Average total assets | $2,623,270,000 | 376 |
| Average earning assets | $2,326,768,250 | 379 |
| Average equity | $329,246,000 | 343 |
| Average total loans | $1,889,424,000 | 363 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 2,189 |
| Cost of funding earning assets | 0.4300% | 3,896 |
| Net interest margin | 3.9771% | 1,382 |
| Noninterest income to average assets | 1.0915% | 834 |
| Noninterest expense to average assets | 2.8018% | 2,094 |
| Loan and lease loss provision to assets | 0.4383% | 880 |
| Net operating income to assets | 1.1626% | 1,756 |
| Return on assets (ROA) | 1.1625% | 1,882 |
| Pretax return on assets | 1.3425% | 1,893 |
| Return on Equity (ROE) | 9.1201% | 2,307 |
| Retained earnings to average equity (ytd only) | 4.2185% | 2,814 |
| Net charge-offs to loans | -0.0045% | 3,986 |
| Credit loss provision to net charge-offs | -13,687.8049% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3569% | 3,369 |
| Assets per employee ($millions) | 6.1559% | 2,058 |
| Cash dividends to net income (ytd only)* | 53.7454% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,577 |
| Loan loss allowance to noncurrent loans | 375.1608% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 3,561 |
| Noncurrent loans to loans | 0.2666% | 3,425 |
| Net loans and leases to total assets | 71.9986% | 1,706 |
| Net loans and leases to deposits | 96.8470% | 735 |
| Net loans and leases to core deposits | 103.7015% | 1,021 |
| Total domestic deposits to total assets | 74.3427% | 4,567 |
| Equity capital to assets | 11.8574% | 1,752 |
| Core capital (leverage) ratio | 9.3404% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4338% | 2,847 |
| Memoranda: | ||
| Average total assets | $2,560,793,333 | 378 |
| Average earning assets | $2,247,902,000 | 385 |
| Average equity | $326,423,000 | 344 |
| Average total loans | $1,834,500,000 | 367 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 1,527 |
| Cost of funding earning assets | 0.4909% | 3,982 |
| Net interest margin | 4.2708% | 807 |
| Noninterest income to average assets | 1.1509% | 657 |
| Noninterest expense to average assets | 2.9172% | 2,080 |
| Loan and lease loss provision to assets | 0.3489% | 878 |
| Net operating income to assets | 1.3370% | 1,141 |
| Return on assets (ROA) | 1.3370% | 1,229 |
| Pretax return on assets | 1.5595% | 1,156 |
| Return on Equity (ROE) | 10.0838% | 1,723 |
| Retained earnings to average equity (ytd only) | 5.2572% | 2,174 |
| Net charge-offs to loans | -0.0127% | 4,162 |
| Credit loss provision to net charge-offs | -3,865.4545% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6674% | 3,787 |
| Assets per employee ($millions) | 5.6887% | 1,940 |
| Cash dividends to net income (ytd only)* | 47.8645% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 3,857 |
| Loan loss allowance to noncurrent loans | 278.3380% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 3,512 |
| Noncurrent loans to loans | 0.3478% | 3,242 |
| Net loans and leases to total assets | 67.4296% | 2,630 |
| Net loans and leases to deposits | 86.3558% | 1,956 |
| Net loans and leases to core deposits | 89.5938% | 2,387 |
| Total domestic deposits to total assets | 78.0834% | 4,206 |
| Equity capital to assets | 12.7060% | 1,617 |
| Core capital (leverage) ratio | 9.6222% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8797% | 2,337 |
| Memoranda: | ||
| Average total assets | $2,437,644,000 | 381 |
| Average earning assets | $2,097,419,500 | 399 |
| Average equity | $323,211,000 | 342 |
| Average total loans | $1,731,006,000 | 376 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 1,708 |
| Cost of funding earning assets | 0.5785% | 3,727 |
| Net interest margin | 4.3368% | 1,015 |
| Noninterest income to average assets | 1.0062% | 962 |
| Noninterest expense to average assets | 3.0062% | 1,997 |
| Loan and lease loss provision to assets | 0.0463% | 3,098 |
| Net operating income to assets | 1.5479% | 947 |
| Return on assets (ROA) | 1.5491% | 998 |
| Pretax return on assets | 1.8252% | 880 |
| Return on Equity (ROE) | 11.2177% | 1,805 |
| Retained earnings to average equity (ytd only) | 6.9055% | 1,427 |
| Net charge-offs to loans | -0.0033% | 4,278 |
| Credit loss provision to net charge-offs | -1,952.8302% | 4,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7812% | 3,570 |
| Assets per employee ($millions) | 5.0416% | 2,542 |
| Cash dividends to net income (ytd only)* | 38.4415% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,114 |
| Loan loss allowance to noncurrent loans | 241.4881% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 3,370 |
| Noncurrent loans to loans | 0.3573% | 3,168 |
| Net loans and leases to total assets | 73.6323% | 1,811 |
| Net loans and leases to deposits | 99.6221% | 632 |
| Net loans and leases to core deposits | 105.3283% | 1,150 |
| Total domestic deposits to total assets | 73.9116% | 4,774 |
| Equity capital to assets | 13.8765% | 1,147 |
| Core capital (leverage) ratio | 10.7641% | 2,705 |
| Tier 1 risk-based capital ratio | 13.2967% | 3,634 |
| Total risk-based capital ratio | 14.1918% | 3,696 |
| Memoranda: | ||
| Average total assets | $2,233,452,000 | 387 |
| Average earning assets | $1,993,131,600 | 394 |
| Average equity | $308,422,400 | 337 |
| Average total loans | $1,621,636,000 | 384 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 1,636 |
| Cost of funding earning assets | 0.5786% | 3,780 |
| Net interest margin | 4.3867% | 976 |
| Noninterest income to average assets | 1.0147% | 909 |
| Noninterest expense to average assets | 2.9939% | 1,997 |
| Loan and lease loss provision to assets | 0.0090% | 3,711 |
| Net operating income to assets | 1.6105% | 908 |
| Return on assets (ROA) | 1.6114% | 944 |
| Pretax return on assets | 1.9184% | 830 |
| Return on Equity (ROE) | 11.6838% | 1,723 |
| Retained earnings to average equity (ytd only) | 7.5827% | 1,584 |
| Net charge-offs to loans | -0.0263% | 4,658 |
| Credit loss provision to net charge-offs | -47.6190% | 4,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9792% | 3,652 |
| Assets per employee ($millions) | 4.9598% | 2,602 |
| Cash dividends to net income (ytd only)* | 35.1008% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 4,216 |
| Loan loss allowance to noncurrent loans | 229.2011% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 3,460 |
| Noncurrent loans to loans | 0.3723% | 3,225 |
| Net loans and leases to total assets | 72.6668% | 2,052 |
| Net loans and leases to deposits | 99.3049% | 699 |
| Net loans and leases to core deposits | 104.4889% | 1,298 |
| Total domestic deposits to total assets | 73.1754% | 4,857 |
| Equity capital to assets | 14.0710% | 1,124 |
| Core capital (leverage) ratio | 10.8349% | 2,803 |
| Tier 1 risk-based capital ratio | 13.5690% | 3,530 |
| Total risk-based capital ratio | 14.4607% | 3,641 |
| Memoranda: | ||
| Average total assets | $2,215,815,000 | 390 |
| Average earning assets | $1,972,777,750 | 399 |
| Average equity | $305,599,500 | 342 |
| Average total loans | $1,599,231,250 | 390 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 1,346 |
| Cost of funding earning assets | 0.5420% | 3,924 |
| Net interest margin | 4.5104% | 754 |
| Noninterest income to average assets | 1.0490% | 785 |
| Noninterest expense to average assets | 3.0041% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7198% | 699 |
| Return on assets (ROA) | 1.7209% | 727 |
| Pretax return on assets | 2.0597% | 608 |
| Return on Equity (ROE) | 12.5646% | 1,381 |
| Retained earnings to average equity (ytd only) | 9.2466% | 972 |
| Net charge-offs to loans | -0.0135% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4873% | 3,937 |
| Assets per employee ($millions) | 5.0380% | 2,430 |
| Cash dividends to net income (ytd only)* | 26.4075% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 4,232 |
| Loan loss allowance to noncurrent loans | 242.6685% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 3,536 |
| Noncurrent loans to loans | 0.3548% | 3,272 |
| Net loans and leases to total assets | 72.2746% | 2,176 |
| Net loans and leases to deposits | 95.8449% | 1,053 |
| Net loans and leases to core deposits | 100.9849% | 1,633 |
| Total domestic deposits to total assets | 75.4079% | 4,737 |
| Equity capital to assets | 14.2068% | 1,054 |
| Core capital (leverage) ratio | 10.8187% | 2,771 |
| Tier 1 risk-based capital ratio | 13.8587% | 3,394 |
| Total risk-based capital ratio | 14.7607% | 3,477 |
| Memoranda: | ||
| Average total assets | $2,200,531,670 | 392 |
| Average earning assets | $1,958,103,330 | 401 |
| Average equity | $301,386,000 | 346 |
| Average total loans | $1,579,767,330 | 396 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 1,276 |
| Cost of funding earning assets | 0.5103% | 4,013 |
| Net interest margin | 4.5149% | 720 |
| Noninterest income to average assets | 1.1625% | 599 |
| Noninterest expense to average assets | 2.9800% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8208% | 551 |
| Return on assets (ROA) | 1.8214% | 567 |
| Pretax return on assets | 2.1902% | 458 |
| Return on Equity (ROE) | 13.5505% | 1,067 |
| Retained earnings to average equity (ytd only) | 13.5505% | 396 |
| Net charge-offs to loans | -0.0365% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8031% | 4,239 |
| Assets per employee ($millions) | 5.2826% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,250 |
| Loan loss allowance to noncurrent loans | 247.2187% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 3,634 |
| Noncurrent loans to loans | 0.3551% | 3,308 |
| Net loans and leases to total assets | 68.7119% | 2,655 |
| Net loans and leases to deposits | 87.3068% | 1,959 |
| Net loans and leases to core deposits | 90.2194% | 2,480 |
| Total domestic deposits to total assets | 78.7017% | 4,400 |
| Equity capital to assets | 13.3559% | 1,266 |
| Core capital (leverage) ratio | 10.2359% | 3,346 |
| Tier 1 risk-based capital ratio | 13.7427% | 3,476 |
| Total risk-based capital ratio | 14.6542% | 3,570 |
| Memoranda: | ||
| Average total assets | $2,202,523,500 | 393 |
| Average earning assets | $1,954,780,500 | 404 |
| Average equity | $296,049,000 | 351 |
| Average total loans | $1,568,984,500 | 400 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 2,132 |
| Cost of funding earning assets | 0.3903% | 4,045 |
| Net interest margin | 4.2076% | 1,371 |
| Noninterest income to average assets | 1.0496% | 860 |
| Noninterest expense to average assets | 3.1321% | 1,722 |
| Loan and lease loss provision to assets | 0.0439% | 3,303 |
| Net operating income to assets | 1.4187% | 1,368 |
| Return on assets (ROA) | 1.3990% | 1,426 |
| Pretax return on assets | 1.6463% | 1,321 |
| Return on Equity (ROE) | 11.3767% | 1,945 |
| Retained earnings to average equity (ytd only) | 6.7954% | 1,758 |
| Net charge-offs to loans | 0.0178% | 3,099 |
| Credit loss provision to net charge-offs | 331.9149% | 948 |
| Earnings coverage of net charge-offs (x) | 129.4298% | 618 |
| Efficiency ratio | 64.2128% | 3,157 |
| Assets per employee ($millions) | 4.9732% | 2,539 |
| Cash dividends to net income (ytd only)* | 40.2690% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 4,276 |
| Loan loss allowance to noncurrent loans | 198.3039% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 3,260 |
| Noncurrent loans to loans | 0.4412% | 2,962 |
| Net loans and leases to total assets | 72.6339% | 2,150 |
| Net loans and leases to deposits | 96.8716% | 988 |
| Net loans and leases to core deposits | 101.3870% | 1,618 |
| Total domestic deposits to total assets | 74.9795% | 4,872 |
| Equity capital to assets | 13.5323% | 1,136 |
| Core capital (leverage) ratio | 10.6110% | 2,922 |
| Tier 1 risk-based capital ratio | 13.2749% | 3,678 |
| Total risk-based capital ratio | 14.1869% | 3,769 |
| Memoranda: | ||
| Average total assets | $1,775,106,000 | 462 |
| Average earning assets | $1,601,472,600 | 469 |
| Average equity | $218,280,000 | 423 |
| Average total loans | $1,318,017,200 | 443 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 2,737 |
| Cost of funding earning assets | 0.3177% | 4,393 |
| Net interest margin | 4.0494% | 1,794 |
| Noninterest income to average assets | 1.0795% | 808 |
| Noninterest expense to average assets | 3.0886% | 1,786 |
| Loan and lease loss provision to assets | 0.0309% | 3,401 |
| Net operating income to assets | 1.3797% | 1,553 |
| Return on assets (ROA) | 1.3537% | 1,657 |
| Pretax return on assets | 1.5923% | 1,608 |
| Return on Equity (ROE) | 11.3702% | 2,030 |
| Retained earnings to average equity (ytd only) | 11.3702% | 579 |
| Net charge-offs to loans | 0.0205% | 2,723 |
| Credit loss provision to net charge-offs | 202.0725% | 1,367 |
| Earnings coverage of net charge-offs (x) | 108.3148% | 710 |
| Efficiency ratio | 64.9875% | 3,036 |
| Assets per employee ($millions) | 5.7602% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 4,351 |
| Loan loss allowance to noncurrent loans | 204.7144% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 3,440 |
| Noncurrent loans to loans | 0.4285% | 3,121 |
| Net loans and leases to total assets | 72.4398% | 2,264 |
| Net loans and leases to deposits | 94.6475% | 1,308 |
| Net loans and leases to core deposits | 98.3201% | 1,911 |
| Total domestic deposits to total assets | 76.5365% | 4,720 |
| Equity capital to assets | 13.8473% | 1,008 |
| Core capital (leverage) ratio | 13.8514% | 980 |
| Tier 1 risk-based capital ratio | 13.9001% | 3,423 |
| Total risk-based capital ratio | 14.8198% | 3,497 |
| Memoranda: | ||
| Average total assets | $1,685,504,250 | 485 |
| Average earning assets | $1,524,550,000 | 486 |
| Average equity | $200,671,500 | 445 |
| Average total loans | $1,256,688,500 | 457 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 1,972 |
| Cost of funding earning assets | 0.2718% | 4,622 |
| Net interest margin | 4.2653% | 1,119 |
| Noninterest income to average assets | 1.2845% | 585 |
| Noninterest expense to average assets | 3.2360% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6344% | 835 |
| Return on assets (ROA) | 1.6351% | 839 |
| Pretax return on assets | 1.9286% | 718 |
| Return on Equity (ROE) | 14.8106% | 889 |
| Retained earnings to average equity (ytd only) | 14.8106% | 208 |
| Net charge-offs to loans | 0.0457% | 1,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 56.1086% | 1,040 |
| Efficiency ratio | 62.5199% | 3,557 |
| Assets per employee ($millions) | 4.4500% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 3,347 |
| Loan loss allowance to noncurrent loans | 261.4712% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 3,494 |
| Noncurrent loans to loans | 0.4156% | 3,209 |
| Net loans and leases to total assets | 75.8495% | 1,659 |
| Net loans and leases to deposits | 99.9636% | 807 |
| Net loans and leases to core deposits | 102.2093% | 1,548 |
| Total domestic deposits to total assets | 75.8771% | 4,865 |
| Equity capital to assets | 11.4142% | 2,255 |
| Core capital (leverage) ratio | 10.5582% | 2,974 |
| Tier 1 risk-based capital ratio | 12.8049% | 4,004 |
| Total risk-based capital ratio | 13.9185% | 3,985 |
| Memoranda: | ||
| Average total assets | $1,554,194,670 | 523 |
| Average earning assets | $1,413,560,670 | 522 |
| Average equity | $171,580,330 | 504 |
| Average total loans | $1,169,028,330 | 491 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,852 |
| Cost of funding earning assets | 0.2447% | 4,746 |
| Net interest margin | 4.2613% | 1,021 |
| Noninterest income to average assets | 1.4338% | 458 |
| Noninterest expense to average assets | 3.1208% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8358% | 521 |
| Return on assets (ROA) | 1.8358% | 523 |
| Pretax return on assets | 2.1736% | 400 |
| Return on Equity (ROE) | 16.9128% | 520 |
| Retained earnings to average equity (ytd only) | 16.9128% | 195 |
| Net charge-offs to loans | 0.1102% | 1,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 26.4781% | 1,322 |
| Efficiency ratio | 58.7848% | 4,253 |
| Assets per employee ($millions) | 4.6546% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,328 |
| Loan loss allowance to noncurrent loans | 234.3453% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 3,467 |
| Noncurrent loans to loans | 0.4730% | 3,110 |
| Net loans and leases to total assets | 71.6129% | 2,237 |
| Net loans and leases to deposits | 86.5214% | 2,102 |
| Net loans and leases to core deposits | 87.8867% | 2,639 |
| Total domestic deposits to total assets | 82.7690% | 3,736 |
| Equity capital to assets | 10.7388% | 2,831 |
| Core capital (leverage) ratio | 9.4078% | 4,176 |
| Tier 1 risk-based capital ratio | 12.6356% | 4,151 |
| Total risk-based capital ratio | 13.7677% | 4,132 |
| Memoranda: | ||
| Average total assets | $1,559,221,500 | 526 |
| Average earning assets | $1,412,622,500 | 526 |
| Average equity | $169,244,500 | 515 |
| Average total loans | $1,161,497,500 | 494 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 2,217 |
| Cost of funding earning assets | 0.2263% | 4,746 |
| Net interest margin | 4.1110% | 1,402 |
| Noninterest income to average assets | 1.0990% | 847 |
| Noninterest expense to average assets | 3.1406% | 1,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1771% | 1,591 |
| Return on assets (ROA) | 1.1777% | 1,610 |
| Pretax return on assets | 1.7009% | 1,006 |
| Return on Equity (ROE) | 10.9873% | 1,494 |
| Retained earnings to average equity (ytd only) | 10.9873% | 250 |
| Net charge-offs to loans | 0.0154% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 147.5497% | 484 |
| Efficiency ratio | 64.0632% | 3,594 |
| Assets per employee ($millions) | 4.3483% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,218 |
| Loan loss allowance to noncurrent loans | 196.9115% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 3,115 |
| Noncurrent loans to loans | 0.5716% | 2,790 |
| Net loans and leases to total assets | 75.8076% | 1,635 |
| Net loans and leases to deposits | 93.4149% | 1,339 |
| Net loans and leases to core deposits | 104.3927% | 1,387 |
| Total domestic deposits to total assets | 81.1515% | 4,080 |
| Equity capital to assets | 10.9757% | 2,648 |
| Core capital (leverage) ratio | 9.9930% | 3,463 |
| Tier 1 risk-based capital ratio | 12.1778% | 4,411 |
| Total risk-based capital ratio | 13.3273% | 4,372 |
| Memoranda: | ||
| Average total assets | $1,484,096,400 | 525 |
| Average earning assets | $1,350,759,800 | 524 |
| Average equity | $159,074,200 | 521 |
| Average total loans | $1,110,762,200 | 491 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 2,413 |
| Cost of funding earning assets | 0.2040% | 4,943 |
| Net interest margin | 4.0510% | 1,536 |
| Noninterest income to average assets | 1.1486% | 768 |
| Noninterest expense to average assets | 3.1470% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2028% | 1,680 |
| Return on assets (ROA) | 1.2022% | 1,716 |
| Pretax return on assets | 1.6806% | 1,169 |
| Return on Equity (ROE) | 11.2864% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.2864% | 370 |
| Net charge-offs to loans | 0.0436% | 2,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 51.8027% | 1,096 |
| Efficiency ratio | 64.2717% | 3,489 |
| Assets per employee ($millions) | 4.2227% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 3,321 |
| Loan loss allowance to noncurrent loans | 159.7286% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 2,891 |
| Noncurrent loans to loans | 0.7068% | 2,593 |
| Net loans and leases to total assets | 75.8419% | 1,614 |
| Net loans and leases to deposits | 91.9723% | 1,570 |
| Net loans and leases to core deposits | 102.6058% | 1,496 |
| Total domestic deposits to total assets | 82.4617% | 3,640 |
| Equity capital to assets | 10.9564% | 2,901 |
| Core capital (leverage) ratio | 9.9545% | 3,624 |
| Tier 1 risk-based capital ratio | 12.1423% | 4,525 |
| Total risk-based capital ratio | 13.3001% | 4,468 |
| Memoranda: | ||
| Average total assets | $1,474,643,000 | 528 |
| Average earning assets | $1,339,536,250 | 530 |
| Average equity | $157,082,500 | 529 |
| Average total loans | $1,096,738,250 | 496 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 2,461 |
| Cost of funding earning assets | 0.1748% | 5,174 |
| Net interest margin | 4.0286% | 1,520 |
| Noninterest income to average assets | 1.2577% | 660 |
| Noninterest expense to average assets | 3.1555% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2433% | 1,462 |
| Return on assets (ROA) | 1.2433% | 1,490 |
| Pretax return on assets | 1.7470% | 956 |
| Return on Equity (ROE) | 11.7856% | 1,367 |
| Retained earnings to average equity (ytd only) | 11.7856% | 342 |
| Net charge-offs to loans | 0.0478% | 2,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 49.6977% | 1,082 |
| Efficiency ratio | 63.4623% | 3,767 |
| Assets per employee ($millions) | 4.2095% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 3,139 |
| Loan loss allowance to noncurrent loans | 177.6552% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 3,080 |
| Noncurrent loans to loans | 0.6643% | 2,757 |
| Net loans and leases to total assets | 74.7931% | 1,733 |
| Net loans and leases to deposits | 91.1007% | 1,597 |
| Net loans and leases to core deposits | 96.0369% | 1,976 |
| Total domestic deposits to total assets | 82.0994% | 3,856 |
| Equity capital to assets | 10.9399% | 2,878 |
| Core capital (leverage) ratio | 9.6455% | 3,965 |
| Tier 1 risk-based capital ratio | 12.2411% | 4,468 |
| Total risk-based capital ratio | 13.4504% | 4,376 |
| Memoranda: | ||
| Average total assets | $1,467,913,670 | 532 |
| Average earning assets | $1,328,056,000 | 531 |
| Average equity | $154,850,000 | 535 |
| Average total loans | $1,080,099,670 | 500 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 2,539 |
| Cost of funding earning assets | 0.1685% | 5,247 |
| Net interest margin | 3.9647% | 1,567 |
| Noninterest income to average assets | 1.3950% | 547 |
| Noninterest expense to average assets | 3.0303% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3629% | 1,085 |
| Return on assets (ROA) | 1.3629% | 1,122 |
| Pretax return on assets | 1.9327% | 584 |
| Return on Equity (ROE) | 13.1622% | 964 |
| Retained earnings to average equity (ytd only) | 13.1622% | 362 |
| Net charge-offs to loans | 0.0019% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1,422.0000% | 25 |
| Efficiency ratio | 60.1435% | 4,433 |
| Assets per employee ($millions) | 4.5970% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,914 |
| Loan loss allowance to noncurrent loans | 167.1484% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 3,174 |
| Noncurrent loans to loans | 0.7388% | 2,646 |
| Net loans and leases to total assets | 67.8543% | 2,703 |
| Net loans and leases to deposits | 78.8341% | 2,887 |
| Net loans and leases to core deposits | 80.8915% | 3,212 |
| Total domestic deposits to total assets | 86.0723% | 2,634 |
| Equity capital to assets | 9.8835% | 3,890 |
| Core capital (leverage) ratio | 8.4400% | 5,273 |
| Tier 1 risk-based capital ratio | 12.1404% | 4,628 |
| Total risk-based capital ratio | 13.3970% | 4,519 |
| Memoranda: | ||
| Average total assets | $1,471,524,000 | 531 |
| Average earning assets | $1,324,272,500 | 534 |
| Average equity | $152,375,500 | 537 |
| Average total loans | $1,067,377,000 | 504 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 2,294 |
| Cost of funding earning assets | 0.1926% | 5,093 |
| Net interest margin | 4.0622% | 1,467 |
| Noninterest income to average assets | 1.1607% | 845 |
| Noninterest expense to average assets | 3.0863% | 2,080 |
| Loan and lease loss provision to assets | -0.0939% | 5,681 |
| Net operating income to assets | 1.3359% | 1,128 |
| Return on assets (ROA) | 1.3369% | 1,184 |
| Pretax return on assets | 1.8630% | 671 |
| Return on Equity (ROE) | 12.8689% | 1,023 |
| Retained earnings to average equity (ytd only) | 12.8689% | 173 |
| Net charge-offs to loans | -0.0237% | 5,171 |
| Credit loss provision to net charge-offs | 532.7869% | 626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5417% | 4,172 |
| Assets per employee ($millions) | 4.1181% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,770 |
| Loan loss allowance to noncurrent loans | 176.7637% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5499% | 3,089 |
| Noncurrent loans to loans | 0.7116% | 2,759 |
| Net loans and leases to total assets | 75.9363% | 1,522 |
| Net loans and leases to deposits | 92.7538% | 1,336 |
| Net loans and leases to core deposits | 99.1782% | 1,693 |
| Total domestic deposits to total assets | 81.8686% | 4,109 |
| Equity capital to assets | 10.8923% | 2,721 |
| Core capital (leverage) ratio | 9.7840% | 3,766 |
| Tier 1 risk-based capital ratio | 12.0357% | 4,705 |
| Total risk-based capital ratio | 13.3070% | 4,570 |
| Memoranda: | ||
| Average total assets | $1,384,579,200 | 537 |
| Average earning assets | $1,258,850,800 | 537 |
| Average equity | $143,834,800 | 549 |
| Average total loans | $1,030,775,600 | 495 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 2,354 |
| Cost of funding earning assets | 0.1913% | 5,163 |
| Net interest margin | 4.0551% | 1,511 |
| Noninterest income to average assets | 1.2442% | 751 |
| Noninterest expense to average assets | 3.0909% | 2,050 |
| Loan and lease loss provision to assets | -0.1250% | 5,815 |
| Net operating income to assets | 1.4074% | 1,059 |
| Return on assets (ROA) | 1.4088% | 1,103 |
| Pretax return on assets | 1.9666% | 624 |
| Return on Equity (ROE) | 13.7265% | 870 |
| Retained earnings to average equity (ytd only) | 13.7265% | 187 |
| Net charge-offs to loans | -0.0508% | 5,376 |
| Credit loss provision to net charge-offs | 333.3333% | 956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6608% | 4,284 |
| Assets per employee ($millions) | 4.0439% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,793 |
| Loan loss allowance to noncurrent loans | 153.5853% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 2,972 |
| Noncurrent loans to loans | 0.8343% | 2,597 |
| Net loans and leases to total assets | 75.5960% | 1,597 |
| Net loans and leases to deposits | 90.9201% | 1,643 |
| Net loans and leases to core deposits | 97.8461% | 1,828 |
| Total domestic deposits to total assets | 83.1455% | 3,529 |
| Equity capital to assets | 10.8878% | 3,150 |
| Core capital (leverage) ratio | 9.5495% | 4,116 |
| Tier 1 risk-based capital ratio | 11.8084% | 4,912 |
| Total risk-based capital ratio | 13.1051% | 4,778 |
| Memoranda: | ||
| Average total assets | $1,386,860,250 | 539 |
| Average earning assets | $1,260,760,750 | 538 |
| Average equity | $142,339,000 | 559 |
| Average total loans | $1,024,026,000 | 501 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 2,388 |
| Cost of funding earning assets | 0.1875% | 5,257 |
| Net interest margin | 4.0466% | 1,508 |
| Noninterest income to average assets | 1.3375% | 638 |
| Noninterest expense to average assets | 3.0548% | 2,195 |
| Loan and lease loss provision to assets | -0.1868% | 5,929 |
| Net operating income to assets | 1.5266% | 851 |
| Return on assets (ROA) | 1.5267% | 898 |
| Pretax return on assets | 2.1471% | 420 |
| Return on Equity (ROE) | 15.1780% | 652 |
| Retained earnings to average equity (ytd only) | 15.1780% | 143 |
| Net charge-offs to loans | -0.2927% | 5,881 |
| Credit loss provision to net charge-offs | 87.4832% | 2,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8957% | 4,654 |
| Assets per employee ($millions) | 4.0799% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 2,265 |
| Loan loss allowance to noncurrent loans | 155.4997% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 2,891 |
| Noncurrent loans to loans | 0.9047% | 2,475 |
| Net loans and leases to total assets | 75.0430% | 1,639 |
| Net loans and leases to deposits | 90.8609% | 1,646 |
| Net loans and leases to core deposits | 95.4956% | 2,022 |
| Total domestic deposits to total assets | 82.5910% | 3,801 |
| Equity capital to assets | 10.7702% | 3,319 |
| Core capital (leverage) ratio | 8.9757% | 4,857 |
| Tier 1 risk-based capital ratio | 11.6262% | 5,078 |
| Total risk-based capital ratio | 12.9307% | 4,940 |
| Memoranda: | ||
| Average total assets | $1,392,181,330 | 539 |
| Average earning assets | $1,265,213,000 | 541 |
| Average equity | $140,031,670 | 570 |
| Average total loans | $1,015,436,670 | 500 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 2,935 |
| Cost of funding earning assets | 0.1891% | 5,294 |
| Net interest margin | 3.8889% | 1,966 |
| Noninterest income to average assets | 1.4882% | 509 |
| Noninterest expense to average assets | 2.9903% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4466% | 951 |
| Return on assets (ROA) | 1.4456% | 996 |
| Pretax return on assets | 2.0284% | 535 |
| Return on Equity (ROE) | 14.8796% | 692 |
| Retained earnings to average equity (ytd only) | 14.8796% | 257 |
| Net charge-offs to loans | -0.0286% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5308% | 4,943 |
| Assets per employee ($millions) | 4.5903% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 2,280 |
| Loan loss allowance to noncurrent loans | 128.2705% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 2,825 |
| Noncurrent loans to loans | 1.1163% | 2,166 |
| Net loans and leases to total assets | 65.9910% | 2,946 |
| Net loans and leases to deposits | 77.1738% | 3,090 |
| Net loans and leases to core deposits | 80.8096% | 3,252 |
| Total domestic deposits to total assets | 85.5096% | 2,912 |
| Equity capital to assets | 9.2955% | 4,889 |
| Core capital (leverage) ratio | 7.4365% | 5,934 |
| Tier 1 risk-based capital ratio | 11.2906% | 5,347 |
| Total risk-based capital ratio | 12.5958% | 5,218 |
| Memoranda: | ||
| Average total assets | $1,408,966,500 | 535 |
| Average earning assets | $1,279,645,500 | 537 |
| Average equity | $136,885,000 | 579 |
| Average total loans | $1,006,110,500 | 502 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2467% | 2,398 |
| Cost of funding earning assets | 0.2135% | 5,157 |
| Net interest margin | 4.0332% | 1,612 |
| Noninterest income to average assets | 1.0884% | 992 |
| Noninterest expense to average assets | 3.1113% | 2,202 |
| Loan and lease loss provision to assets | 0.0915% | 2,472 |
| Net operating income to assets | 1.1207% | 1,834 |
| Return on assets (ROA) | 1.1198% | 1,903 |
| Pretax return on assets | 1.5572% | 1,383 |
| Return on Equity (ROE) | 11.6116% | 1,408 |
| Retained earnings to average equity (ytd only) | 0.3576% | 5,371 |
| Net charge-offs to loans | 0.1126% | 2,250 |
| Credit loss provision to net charge-offs | 108.4011% | 2,328 |
| Earnings coverage of net charge-offs (x) | 19.5393% | 1,938 |
| Efficiency ratio | 64.2051% | 4,216 |
| Assets per employee ($millions) | 4.0504% | 3,845 |
| Cash dividends to net income (ytd only)* | 96.9206% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 2,293 |
| Loan loss allowance to noncurrent loans | 145.2073% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 2,778 |
| Noncurrent loans to loans | 0.9848% | 2,368 |
| Net loans and leases to total assets | 75.4280% | 1,507 |
| Net loans and leases to deposits | 93.4081% | 1,261 |
| Net loans and leases to core deposits | 99.0099% | 1,591 |
| Total domestic deposits to total assets | 80.7511% | 4,556 |
| Equity capital to assets | 10.1968% | 3,753 |
| Core capital (leverage) ratio | 8.9132% | 4,987 |
| Tier 1 risk-based capital ratio | 11.3722% | 5,326 |
| Total risk-based capital ratio | 12.6616% | 5,207 |
| Memoranda: | ||
| Average total assets | $1,310,817,400 | 546 |
| Average earning assets | $1,193,779,600 | 544 |
| Average equity | $126,407,800 | 601 |
| Average total loans | $983,393,000 | 489 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 2,514 |
| Cost of funding earning assets | 0.2158% | 5,223 |
| Net interest margin | 4.0041% | 1,685 |
| Noninterest income to average assets | 1.1317% | 939 |
| Noninterest expense to average assets | 3.1190% | 2,177 |
| Loan and lease loss provision to assets | 0.1221% | 1,862 |
| Net operating income to assets | 1.1151% | 1,941 |
| Return on assets (ROA) | 1.1147% | 2,021 |
| Pretax return on assets | 1.5317% | 1,594 |
| Return on Equity (ROE) | 11.7278% | 1,453 |
| Retained earnings to average equity (ytd only) | -3.5004% | 5,963 |
| Net charge-offs to loans | 0.0965% | 2,189 |
| Credit loss provision to net charge-offs | 169.4915% | 1,537 |
| Earnings coverage of net charge-offs (x) | 22.9646% | 1,753 |
| Efficiency ratio | 64.2303% | 4,204 |
| Assets per employee ($millions) | 4.0088% | 3,860 |
| Cash dividends to net income (ytd only)* | 129.8467% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 2,262 |
| Loan loss allowance to noncurrent loans | 139.6669% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 2,767 |
| Noncurrent loans to loans | 1.0552% | 2,373 |
| Net loans and leases to total assets | 75.2733% | 1,500 |
| Net loans and leases to deposits | 92.6917% | 1,341 |
| Net loans and leases to core deposits | 98.2247% | 1,679 |
| Total domestic deposits to total assets | 81.2083% | 4,420 |
| Equity capital to assets | 9.9580% | 4,211 |
| Core capital (leverage) ratio | 8.5866% | 5,475 |
| Tier 1 risk-based capital ratio | 11.0565% | 5,629 |
| Total risk-based capital ratio | 12.3461% | 5,500 |
| Memoranda: | ||
| Average total assets | $1,310,439,500 | 549 |
| Average earning assets | $1,191,781,750 | 544 |
| Average equity | $124,555,750 | 611 |
| Average total loans | $978,185,000 | 490 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 2,846 |
| Cost of funding earning assets | 0.2182% | 5,278 |
| Net interest margin | 3.8964% | 1,992 |
| Noninterest income to average assets | 1.2280% | 805 |
| Noninterest expense to average assets | 3.1271% | 2,174 |
| Loan and lease loss provision to assets | 0.1221% | 1,806 |
| Net operating income to assets | 1.1068% | 1,927 |
| Return on assets (ROA) | 1.1068% | 2,014 |
| Pretax return on assets | 1.5198% | 1,593 |
| Return on Equity (ROE) | 11.8324% | 1,423 |
| Retained earnings to average equity (ytd only) | -11.3820% | 6,199 |
| Net charge-offs to loans | 0.0744% | 2,329 |
| Credit loss provision to net charge-offs | 221.6066% | 1,135 |
| Earnings coverage of net charge-offs (x) | 29.7978% | 1,372 |
| Efficiency ratio | 64.5020% | 4,272 |
| Assets per employee ($millions) | 4.0834% | 3,717 |
| Cash dividends to net income (ytd only)* | 196.1936% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 2,460 |
| Loan loss allowance to noncurrent loans | 113.8313% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 2,473 |
| Noncurrent loans to loans | 1.2831% | 2,108 |
| Net loans and leases to total assets | 75.4634% | 1,444 |
| Net loans and leases to deposits | 91.4303% | 1,435 |
| Net loans and leases to core deposits | 97.6938% | 1,671 |
| Total domestic deposits to total assets | 82.5365% | 4,112 |
| Equity capital to assets | 9.6033% | 4,527 |
| Core capital (leverage) ratio | 8.1946% | 5,794 |
| Tier 1 risk-based capital ratio | 10.6613% | 5,855 |
| Total risk-based capital ratio | 11.9503% | 5,783 |
| Memoranda: | ||
| Average total assets | $1,310,294,670 | 540 |
| Average earning assets | $1,190,780,670 | 545 |
| Average equity | $122,562,000 | 625 |
| Average total loans | $970,414,000 | 490 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9554% | 3,396 |
| Cost of funding earning assets | 0.2247% | 5,274 |
| Net interest margin | 3.7307% | 2,511 |
| Noninterest income to average assets | 1.3468% | 636 |
| Noninterest expense to average assets | 3.0819% | 2,331 |
| Loan and lease loss provision to assets | 0.1223% | 1,700 |
| Net operating income to assets | 1.1162% | 1,812 |
| Return on assets (ROA) | 1.1162% | 1,916 |
| Pretax return on assets | 1.5339% | 1,446 |
| Return on Equity (ROE) | 12.0954% | 1,320 |
| Retained earnings to average equity (ytd only) | -36.3225% | 6,362 |
| Net charge-offs to loans | 0.1483% | 1,357 |
| Credit loss provision to net charge-offs | 113.3144% | 1,486 |
| Earnings coverage of net charge-offs (x) | 15.3428% | 1,626 |
| Efficiency ratio | 64.1280% | 4,461 |
| Assets per employee ($millions) | 4.5316% | 2,999 |
| Cash dividends to net income (ytd only)* | 400.3014% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 2,676 |
| Loan loss allowance to noncurrent loans | 105.3968% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.0044% | 2,620 |
| Noncurrent loans to loans | 1.3761% | 2,088 |
| Net loans and leases to total assets | 69.2416% | 2,245 |
| Net loans and leases to deposits | 80.5127% | 2,506 |
| Net loans and leases to core deposits | 85.0492% | 2,649 |
| Total domestic deposits to total assets | 86.0009% | 2,939 |
| Equity capital to assets | 8.8398% | 5,454 |
| Core capital (leverage) ratio | 7.6866% | 6,074 |
| Tier 1 risk-based capital ratio | 10.4154% | 6,043 |
| Total risk-based capital ratio | 11.6986% | 5,982 |
| Memoranda: | ||
| Average total assets | $1,308,008,000 | 541 |
| Average earning assets | $1,189,060,500 | 544 |
| Average equity | $120,707,500 | 636 |
| Average total loans | $952,145,500 | 495 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2216% | 2,875 |
| Cost of funding earning assets | 0.3055% | 4,737 |
| Net interest margin | 3.9161% | 2,169 |
| Noninterest income to average assets | 1.1483% | 913 |
| Noninterest expense to average assets | 3.3415% | 1,821 |
| Loan and lease loss provision to assets | 0.1253% | 2,088 |
| Net operating income to assets | 0.9186% | 2,787 |
| Return on assets (ROA) | 0.9255% | 2,839 |
| Pretax return on assets | 1.2530% | 2,427 |
| Return on Equity (ROE) | 9.6173% | 2,291 |
| Retained earnings to average equity (ytd only) | 3.2471% | 3,918 |
| Net charge-offs to loans | 0.4277% | 992 |
| Credit loss provision to net charge-offs | 39.8936% | 3,676 |
| Earnings coverage of net charge-offs (x) | 4.3582% | 3,676 |
| Efficiency ratio | 69.5762% | 3,613 |
| Assets per employee ($millions) | 3.9974% | 3,964 |
| Cash dividends to net income (ytd only)* | 66.2365% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 2,242 |
| Loan loss allowance to noncurrent loans | 105.2290% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.1657% | 2,433 |
| Noncurrent loans to loans | 1.4782% | 1,985 |
| Net loans and leases to total assets | 74.5533% | 1,487 |
| Net loans and leases to deposits | 91.8837% | 1,301 |
| Net loans and leases to core deposits | 98.5313% | 1,510 |
| Total domestic deposits to total assets | 81.1388% | 4,700 |
| Equity capital to assets | 9.6790% | 4,494 |
| Core capital (leverage) ratio | 8.5947% | 5,452 |
| Tier 1 risk-based capital ratio | 11.2164% | 5,810 |
| Total risk-based capital ratio | 12.4706% | 5,735 |
| Memoranda: | ||
| Average total assets | $1,197,141,400 | 563 |
| Average earning assets | $1,088,916,000 | 565 |
| Average equity | $115,209,000 | 631 |
| Average total loans | $879,084,400 | 508 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 2,917 |
| Cost of funding earning assets | 0.3248% | 4,616 |
| Net interest margin | 3.8978% | 2,253 |
| Noninterest income to average assets | 1.2308% | 801 |
| Noninterest expense to average assets | 3.2916% | 1,917 |
| Loan and lease loss provision to assets | 0.1676% | 1,477 |
| Net operating income to assets | 0.9712% | 2,589 |
| Return on assets (ROA) | 0.9806% | 2,610 |
| Pretax return on assets | 1.3258% | 2,284 |
| Return on Equity (ROE) | 10.2047% | 2,115 |
| Retained earnings to average equity (ytd only) | 4.1439% | 3,706 |
| Net charge-offs to loans | 0.3961% | 1,005 |
| Credit loss provision to net charge-offs | 58.0720% | 2,973 |
| Earnings coverage of net charge-offs (x) | 5.1316% | 3,316 |
| Efficiency ratio | 67.5608% | 3,930 |
| Assets per employee ($millions) | 3.7764% | 4,338 |
| Cash dividends to net income (ytd only)* | 59.3918% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 1,859 |
| Loan loss allowance to noncurrent loans | 97.5679% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 2,263 |
| Noncurrent loans to loans | 1.7818% | 1,818 |
| Net loans and leases to total assets | 74.0911% | 1,511 |
| Net loans and leases to deposits | 87.9074% | 1,688 |
| Net loans and leases to core deposits | 94.5153% | 1,807 |
| Total domestic deposits to total assets | 84.2831% | 3,647 |
| Equity capital to assets | 9.9066% | 4,291 |
| Core capital (leverage) ratio | 8.6099% | 5,543 |
| Tier 1 risk-based capital ratio | 11.5688% | 5,757 |
| Total risk-based capital ratio | 12.8255% | 5,672 |
| Memoranda: | ||
| Average total assets | $1,193,623,750 | 561 |
| Average earning assets | $1,084,487,750 | 563 |
| Average equity | $114,703,000 | 628 |
| Average total loans | $869,538,750 | 506 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 3,060 |
| Cost of funding earning assets | 0.3402% | 4,535 |
| Net interest margin | 3.8330% | 2,440 |
| Noninterest income to average assets | 1.3292% | 683 |
| Noninterest expense to average assets | 3.2325% | 2,095 |
| Loan and lease loss provision to assets | 0.2503% | 876 |
| Net operating income to assets | 0.9782% | 2,419 |
| Return on assets (ROA) | 0.9920% | 2,430 |
| Pretax return on assets | 1.3406% | 2,110 |
| Return on Equity (ROE) | 10.4289% | 1,964 |
| Retained earnings to average equity (ytd only) | 4.6918% | 3,158 |
| Net charge-offs to loans | 0.6100% | 657 |
| Credit loss provision to net charge-offs | 56.9692% | 2,684 |
| Earnings coverage of net charge-offs (x) | 3.5788% | 3,269 |
| Efficiency ratio | 65.8796% | 4,381 |
| Assets per employee ($millions) | 3.7936% | 4,268 |
| Cash dividends to net income (ytd only)* | 55.0118% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 1,925 |
| Loan loss allowance to noncurrent loans | 87.4120% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.5118% | 2,156 |
| Noncurrent loans to loans | 2.0240% | 1,671 |
| Net loans and leases to total assets | 72.2159% | 1,703 |
| Net loans and leases to deposits | 86.1905% | 1,803 |
| Net loans and leases to core deposits | 91.2419% | 2,001 |
| Total domestic deposits to total assets | 83.7864% | 3,999 |
| Equity capital to assets | 9.7713% | 4,404 |
| Core capital (leverage) ratio | 8.3253% | 5,821 |
| Tier 1 risk-based capital ratio | 11.6528% | 5,719 |
| Total risk-based capital ratio | 12.9098% | 5,663 |
| Memoranda: | ||
| Average total assets | $1,198,751,000 | 560 |
| Average earning assets | $1,086,933,330 | 559 |
| Average equity | $114,029,330 | 623 |
| Average total loans | $863,246,000 | 507 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 3,121 |
| Cost of funding earning assets | 0.3460% | 4,575 |
| Net interest margin | 3.7973% | 2,482 |
| Noninterest income to average assets | 1.5432% | 498 |
| Noninterest expense to average assets | 3.2131% | 2,188 |
| Loan and lease loss provision to assets | 0.2487% | 871 |
| Net operating income to assets | 1.1115% | 1,772 |
| Return on assets (ROA) | 1.1125% | 1,824 |
| Pretax return on assets | 1.5213% | 1,368 |
| Return on Equity (ROE) | 11.8533% | 1,452 |
| Retained earnings to average equity (ytd only) | 11.8533% | 628 |
| Net charge-offs to loans | 0.2377% | 1,366 |
| Credit loss provision to net charge-offs | 146.7710% | 1,283 |
| Earnings coverage of net charge-offs (x) | 10.4384% | 1,859 |
| Efficiency ratio | 63.1589% | 4,979 |
| Assets per employee ($millions) | 4.0778% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 1,610 |
| Loan loss allowance to noncurrent loans | 79.0672% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.7153% | 2,059 |
| Noncurrent loans to loans | 2.4718% | 1,401 |
| Net loans and leases to total assets | 67.4107% | 2,315 |
| Net loans and leases to deposits | 79.8903% | 2,304 |
| Net loans and leases to core deposits | 84.6150% | 2,449 |
| Total domestic deposits to total assets | 84.3791% | 4,134 |
| Equity capital to assets | 9.2513% | 4,811 |
| Core capital (leverage) ratio | 7.4907% | 6,341 |
| Tier 1 risk-based capital ratio | 11.7038% | 5,811 |
| Total risk-based capital ratio | 12.9630% | 5,747 |
| Memoranda: | ||
| Average total assets | $1,206,324,000 | 562 |
| Average earning assets | $1,092,345,500 | 558 |
| Average equity | $113,217,000 | 627 |
| Average total loans | $859,796,000 | 506 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 2,910 |
| Cost of funding earning assets | 0.4005% | 4,651 |
| Net interest margin | 3.9118% | 2,249 |
| Noninterest income to average assets | 1.0446% | 1,287 |
| Noninterest expense to average assets | 3.3508% | 1,999 |
| Loan and lease loss provision to assets | 0.0957% | 3,208 |
| Net operating income to assets | 0.8539% | 3,013 |
| Return on assets (ROA) | 0.8672% | 3,016 |
| Pretax return on assets | 1.1566% | 2,743 |
| Return on Equity (ROE) | 8.8472% | 2,618 |
| Retained earnings to average equity (ytd only) | 1.8489% | 4,921 |
| Net charge-offs to loans | 0.5233% | 1,266 |
| Credit loss provision to net charge-offs | 25.4984% | 4,339 |
| Earnings coverage of net charge-offs (x) | 3.2904% | 3,908 |
| Efficiency ratio | 71.4708% | 3,574 |
| Assets per employee ($millions) | 3.7216% | 4,430 |
| Cash dividends to net income (ytd only)* | 79.1015% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9181% | 1,744 |
| Loan loss allowance to noncurrent loans | 80.7899% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.7711% | 2,090 |
| Noncurrent loans to loans | 2.3742% | 1,618 |
| Net loans and leases to total assets | 72.5542% | 1,588 |
| Net loans and leases to deposits | 86.6653% | 1,613 |
| Net loans and leases to core deposits | 92.3231% | 1,763 |
| Total domestic deposits to total assets | 83.7177% | 4,276 |
| Equity capital to assets | 9.5288% | 4,384 |
| Core capital (leverage) ratio | 8.2727% | 5,904 |
| Tier 1 risk-based capital ratio | 11.2130% | 6,072 |
| Total risk-based capital ratio | 12.4712% | 6,014 |
| Memoranda: | ||
| Average total assets | $1,149,878,200 | 571 |
| Average earning assets | $1,040,768,600 | 568 |
| Average equity | $112,714,000 | 626 |
| Average total loans | $824,315,200 | 504 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 2,992 |
| Cost of funding earning assets | 0.4087% | 4,747 |
| Net interest margin | 3.8917% | 2,308 |
| Noninterest income to average assets | 1.0588% | 1,302 |
| Noninterest expense to average assets | 3.4081% | 1,806 |
| Loan and lease loss provision to assets | 0.1280% | 2,687 |
| Net operating income to assets | 0.7920% | 3,390 |
| Return on assets (ROA) | 0.8042% | 3,460 |
| Pretax return on assets | 1.0590% | 3,268 |
| Return on Equity (ROE) | 8.1464% | 3,055 |
| Retained earnings to average equity (ytd only) | 1.4436% | 5,410 |
| Net charge-offs to loans | 0.5800% | 1,085 |
| Credit loss provision to net charge-offs | 31.0296% | 3,876 |
| Earnings coverage of net charge-offs (x) | 2.8392% | 3,883 |
| Efficiency ratio | 72.8164% | 3,258 |
| Assets per employee ($millions) | 3.6423% | 4,574 |
| Cash dividends to net income (ytd only)* | 82.2798% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0980% | 1,507 |
| Loan loss allowance to noncurrent loans | 69.6000% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.1868% | 1,827 |
| Noncurrent loans to loans | 3.0143% | 1,333 |
| Net loans and leases to total assets | 70.5763% | 1,856 |
| Net loans and leases to deposits | 84.6016% | 1,794 |
| Net loans and leases to core deposits | 90.2700% | 1,942 |
| Total domestic deposits to total assets | 83.4219% | 4,406 |
| Equity capital to assets | 9.7092% | 4,291 |
| Core capital (leverage) ratio | 8.3754% | 5,884 |
| Tier 1 risk-based capital ratio | 11.6306% | 5,996 |
| Total risk-based capital ratio | 12.8910% | 5,948 |
| Memoranda: | ||
| Average total assets | $1,146,134,000 | 577 |
| Average earning assets | $1,036,706,500 | 573 |
| Average equity | $113,143,250 | 629 |
| Average total loans | $814,974,250 | 510 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 2,988 |
| Cost of funding earning assets | 0.4155% | 4,802 |
| Net interest margin | 3.8761% | 2,288 |
| Noninterest income to average assets | 1.0349% | 1,424 |
| Noninterest expense to average assets | 3.3306% | 1,991 |
| Loan and lease loss provision to assets | 0.1395% | 2,581 |
| Net operating income to assets | 0.8199% | 3,195 |
| Return on assets (ROA) | 0.8276% | 3,313 |
| Pretax return on assets | 1.0888% | 3,137 |
| Return on Equity (ROE) | 8.3377% | 2,924 |
| Retained earnings to average equity (ytd only) | 1.3211% | 5,361 |
| Net charge-offs to loans | 0.2801% | 2,085 |
| Credit loss provision to net charge-offs | 70.3606% | 2,815 |
| Earnings coverage of net charge-offs (x) | 6.1442% | 2,766 |
| Efficiency ratio | 71.5940% | 3,538 |
| Assets per employee ($millions) | 3.6611% | 4,492 |
| Cash dividends to net income (ytd only)* | 84.1551% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3931% | 1,102 |
| Loan loss allowance to noncurrent loans | 69.7595% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.4738% | 1,715 |
| Noncurrent loans to loans | 3.4305% | 1,242 |
| Net loans and leases to total assets | 69.5109% | 1,971 |
| Net loans and leases to deposits | 83.3746% | 1,886 |
| Net loans and leases to core deposits | 88.9896% | 2,006 |
| Total domestic deposits to total assets | 83.3717% | 4,560 |
| Equity capital to assets | 9.7799% | 4,203 |
| Core capital (leverage) ratio | 8.3232% | 5,857 |
| Tier 1 risk-based capital ratio | 11.9555% | 5,814 |
| Total risk-based capital ratio | 13.2207% | 5,759 |
| Memoranda: | ||
| Average total assets | $1,146,953,330 | 573 |
| Average earning assets | $1,039,747,000 | 572 |
| Average equity | $113,843,670 | 628 |
| Average total loans | $811,812,000 | 510 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 2,800 |
| Cost of funding earning assets | 0.4247% | 4,867 |
| Net interest margin | 3.8973% | 2,127 |
| Noninterest income to average assets | 1.0807% | 1,269 |
| Noninterest expense to average assets | 3.2167% | 2,299 |
| Loan and lease loss provision to assets | 0.1737% | 2,129 |
| Net operating income to assets | 0.9271% | 2,537 |
| Return on assets (ROA) | 0.8572% | 3,001 |
| Pretax return on assets | 1.1585% | 2,731 |
| Return on Equity (ROE) | 8.5743% | 2,670 |
| Retained earnings to average equity (ytd only) | 1.1296% | 5,399 |
| Net charge-offs to loans | 0.2620% | 1,910 |
| Credit loss provision to net charge-offs | 93.9850% | 1,954 |
| Earnings coverage of net charge-offs (x) | 7.5771% | 2,048 |
| Efficiency ratio | 68.0689% | 4,291 |
| Assets per employee ($millions) | 3.7970% | 4,357 |
| Cash dividends to net income (ytd only)* | 86.8261% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4419% | 1,190 |
| Loan loss allowance to noncurrent loans | 68.0853% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 2.5093% | 1,837 |
| Noncurrent loans to loans | 3.5866% | 1,330 |
| Net loans and leases to total assets | 67.3320% | 2,133 |
| Net loans and leases to deposits | 80.6886% | 1,992 |
| Net loans and leases to core deposits | 86.2848% | 2,080 |
| Total domestic deposits to total assets | 83.4468% | 4,693 |
| Equity capital to assets | 9.8259% | 4,391 |
| Core capital (leverage) ratio | 8.0407% | 6,105 |
| Tier 1 risk-based capital ratio | 12.2332% | 5,770 |
| Total risk-based capital ratio | 13.4991% | 5,714 |
| Memoranda: | ||
| Average total assets | $1,151,125,500 | 574 |
| Average earning assets | $1,044,624,000 | 578 |
| Average equity | $115,088,000 | 633 |
| Average total loans | $812,287,000 | 509 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 2,890 |
| Cost of funding earning assets | 0.5295% | 4,996 |
| Net interest margin | 4.0980% | 2,012 |
| Noninterest income to average assets | 1.0098% | 1,506 |
| Noninterest expense to average assets | 3.1428% | 2,799 |
| Loan and lease loss provision to assets | 0.5722% | 979 |
| Net operating income to assets | 0.7519% | 3,506 |
| Return on assets (ROA) | 0.6770% | 4,117 |
| Pretax return on assets | 0.9231% | 3,841 |
| Return on Equity (ROE) | 6.5944% | 3,861 |
| Retained earnings to average equity (ytd only) | 2.4608% | 4,507 |
| Net charge-offs to loans | 1.0029% | 1,089 |
| Credit loss provision to net charge-offs | 80.8591% | 3,803 |
| Earnings coverage of net charge-offs (x) | 2.2176% | 4,315 |
| Efficiency ratio | 64.8503% | 4,728 |
| Assets per employee ($millions) | 3.6898% | 4,585 |
| Cash dividends to net income (ytd only)* | 62.6832% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4151% | 1,209 |
| Loan loss allowance to noncurrent loans | 65.9496% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 2.6842% | 1,798 |
| Noncurrent loans to loans | 3.6621% | 1,336 |
| Net loans and leases to total assets | 70.4191% | 1,756 |
| Net loans and leases to deposits | 85.2400% | 1,611 |
| Net loans and leases to core deposits | 91.8123% | 1,648 |
| Total domestic deposits to total assets | 82.6127% | 4,880 |
| Equity capital to assets | 10.1754% | 3,920 |
| Core capital (leverage) ratio | 8.5345% | 5,562 |
| Tier 1 risk-based capital ratio | 12.1332% | 5,698 |
| Total risk-based capital ratio | 13.3989% | 5,649 |
| Memoranda: | ||
| Average total assets | $1,118,560,800 | 587 |
| Average earning assets | $1,010,520,000 | 582 |
| Average equity | $114,840,400 | 626 |
| Average total loans | $789,223,000 | 515 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 2,836 |
| Cost of funding earning assets | 0.5500% | 5,090 |
| Net interest margin | 4.1411% | 1,937 |
| Noninterest income to average assets | 1.0213% | 1,453 |
| Noninterest expense to average assets | 3.2087% | 2,542 |
| Loan and lease loss provision to assets | 0.6654% | 778 |
| Net operating income to assets | 0.6753% | 4,026 |
| Return on assets (ROA) | 0.6011% | 4,651 |
| Pretax return on assets | 0.8112% | 4,439 |
| Return on Equity (ROE) | 5.8417% | 4,410 |
| Retained earnings to average equity (ytd only) | 3.1260% | 4,675 |
| Net charge-offs to loans | 0.9091% | 1,197 |
| Credit loss provision to net charge-offs | 104.3503% | 2,826 |
| Earnings coverage of net charge-offs (x) | 2.4302% | 4,067 |
| Efficiency ratio | 65.5677% | 4,528 |
| Assets per employee ($millions) | 3.5835% | 4,780 |
| Cash dividends to net income (ytd only)* | 46.4889% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6747% | 1,006 |
| Loan loss allowance to noncurrent loans | 61.3376% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 3.1751% | 1,623 |
| Noncurrent loans to loans | 4.3606% | 1,107 |
| Net loans and leases to total assets | 69.9365% | 1,912 |
| Net loans and leases to deposits | 84.7990% | 1,764 |
| Net loans and leases to core deposits | 91.5452% | 1,821 |
| Total domestic deposits to total assets | 82.4733% | 4,845 |
| Equity capital to assets | 10.3586% | 4,003 |
| Core capital (leverage) ratio | 8.7295% | 5,430 |
| Tier 1 risk-based capital ratio | 12.3434% | 5,739 |
| Total risk-based capital ratio | 13.6122% | 5,701 |
| Memoranda: | ||
| Average total assets | $1,115,009,500 | 593 |
| Average earning assets | $1,006,251,500 | 594 |
| Average equity | $114,734,500 | 627 |
| Average total loans | $782,172,250 | 515 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 2,711 |
| Cost of funding earning assets | 0.5686% | 5,157 |
| Net interest margin | 4.1831% | 1,792 |
| Noninterest income to average assets | 1.0413% | 1,345 |
| Noninterest expense to average assets | 3.2889% | 2,340 |
| Loan and lease loss provision to assets | 0.6939% | 796 |
| Net operating income to assets | 0.6397% | 4,167 |
| Return on assets (ROA) | 0.5677% | 4,781 |
| Pretax return on assets | 0.7616% | 4,600 |
| Return on Equity (ROE) | 5.5292% | 4,569 |
| Retained earnings to average equity (ytd only) | 5.5292% | 2,975 |
| Net charge-offs to loans | 0.8257% | 1,338 |
| Credit loss provision to net charge-offs | 120.7813% | 2,276 |
| Earnings coverage of net charge-offs (x) | 2.6559% | 3,679 |
| Efficiency ratio | 66.4069% | 4,458 |
| Assets per employee ($millions) | 3.6235% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8290% | 921 |
| Loan loss allowance to noncurrent loans | 78.2649% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.5792% | 2,155 |
| Noncurrent loans to loans | 3.6147% | 1,584 |
| Net loans and leases to total assets | 68.1325% | 2,269 |
| Net loans and leases to deposits | 83.3374% | 1,940 |
| Net loans and leases to core deposits | 89.1991% | 2,074 |
| Total domestic deposits to total assets | 81.7550% | 5,216 |
| Equity capital to assets | 10.4981% | 3,692 |
| Core capital (leverage) ratio | 8.7802% | 5,252 |
| Tier 1 risk-based capital ratio | 12.8289% | 5,314 |
| Total risk-based capital ratio | 14.1004% | 5,273 |
| Memoranda: | ||
| Average total assets | $1,113,992,330 | 592 |
| Average earning assets | $1,004,895,330 | 591 |
| Average equity | $114,374,000 | 622 |
| Average total loans | $775,089,000 | 518 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 2,626 |
| Cost of funding earning assets | 0.5795% | 5,287 |
| Net interest margin | 4.2235% | 1,692 |
| Noninterest income to average assets | 1.0747% | 1,251 |
| Noninterest expense to average assets | 3.1270% | 2,826 |
| Loan and lease loss provision to assets | 0.8584% | 532 |
| Net operating income to assets | 0.6840% | 3,962 |
| Return on assets (ROA) | 0.6062% | 4,533 |
| Pretax return on assets | 0.8226% | 4,332 |
| Return on Equity (ROE) | 5.9709% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.9709% | 2,973 |
| Net charge-offs to loans | 0.8426% | 1,219 |
| Credit loss provision to net charge-offs | 146.9688% | 1,696 |
| Earnings coverage of net charge-offs (x) | 3.0116% | 2,987 |
| Efficiency ratio | 61.9720% | 5,279 |
| Assets per employee ($millions) | 3.7504% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8808% | 927 |
| Loan loss allowance to noncurrent loans | 79.9506% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 2.5147% | 2,356 |
| Noncurrent loans to loans | 3.6033% | 1,726 |
| Net loans and leases to total assets | 65.7725% | 2,505 |
| Net loans and leases to deposits | 80.1945% | 2,178 |
| Net loans and leases to core deposits | 86.0622% | 2,282 |
| Total domestic deposits to total assets | 82.0163% | 5,291 |
| Equity capital to assets | 10.1319% | 3,941 |
| Core capital (leverage) ratio | 8.5160% | 5,567 |
| Tier 1 risk-based capital ratio | 12.7782% | 5,384 |
| Total risk-based capital ratio | 14.0497% | 5,343 |
| Memoranda: | ||
| Average total assets | $1,118,405,500 | 592 |
| Average earning assets | $1,009,200,000 | 589 |
| Average equity | $113,550,500 | 624 |
| Average total loans | $775,184,000 | 515 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 3,398 |
| Cost of funding earning assets | 0.6738% | 5,691 |
| Net interest margin | 4.2183% | 1,999 |
| Noninterest income to average assets | 0.9183% | 1,610 |
| Noninterest expense to average assets | 3.0507% | 3,388 |
| Loan and lease loss provision to assets | 0.8838% | 1,092 |
| Net operating income to assets | 0.6146% | 3,918 |
| Return on assets (ROA) | 0.5359% | 4,478 |
| Pretax return on assets | 0.7044% | 4,308 |
| Return on Equity (ROE) | 5.4225% | 4,182 |
| Retained earnings to average equity (ytd only) | 3.1411% | 3,986 |
| Net charge-offs to loans | 1.3391% | 1,228 |
| Credit loss provision to net charge-offs | 95.0441% | 3,800 |
| Earnings coverage of net charge-offs (x) | 1.7928% | 4,439 |
| Efficiency ratio | 62.4422% | 5,388 |
| Assets per employee ($millions) | 3.6932% | 4,560 |
| Cash dividends to net income (ytd only)* | 42.0734% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7049% | 1,073 |
| Loan loss allowance to noncurrent loans | 78.5289% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.5422% | 2,388 |
| Noncurrent loans to loans | 3.4445% | 1,869 |
| Net loans and leases to total assets | 69.0110% | 2,212 |
| Net loans and leases to deposits | 84.1185% | 1,910 |
| Net loans and leases to core deposits | 90.6025% | 2,038 |
| Total domestic deposits to total assets | 82.0401% | 5,115 |
| Equity capital to assets | 10.1743% | 3,935 |
| Core capital (leverage) ratio | 8.3934% | 5,721 |
| Tier 1 risk-based capital ratio | 12.2290% | 5,664 |
| Total risk-based capital ratio | 13.4985% | 5,621 |
| Memoranda: | ||
| Average total assets | $1,108,853,600 | 591 |
| Average earning assets | $998,759,200 | 590 |
| Average equity | $109,580,800 | 632 |
| Average total loans | $769,970,400 | 531 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9043% | 3,531 |
| Cost of funding earning assets | 0.6921% | 5,815 |
| Net interest margin | 4.2122% | 2,048 |
| Noninterest income to average assets | 0.9245% | 1,566 |
| Noninterest expense to average assets | 3.1062% | 3,137 |
| Loan and lease loss provision to assets | 0.9257% | 954 |
| Net operating income to assets | 0.5487% | 4,326 |
| Return on assets (ROA) | 0.4711% | 4,866 |
| Pretax return on assets | 0.6070% | 4,785 |
| Return on Equity (ROE) | 4.8028% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.4547% | 4,279 |
| Net charge-offs to loans | 1.1803% | 1,328 |
| Credit loss provision to net charge-offs | 113.5526% | 2,879 |
| Earnings coverage of net charge-offs (x) | 1.9752% | 4,171 |
| Efficiency ratio | 63.6368% | 5,133 |
| Assets per employee ($millions) | 3.7637% | 4,376 |
| Cash dividends to net income (ytd only)* | 28.0684% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9133% | 925 |
| Loan loss allowance to noncurrent loans | 86.0660% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 2.4062% | 2,677 |
| Noncurrent loans to loans | 3.3850% | 2,042 |
| Net loans and leases to total assets | 66.2974% | 2,827 |
| Net loans and leases to deposits | 82.2441% | 2,315 |
| Net loans and leases to core deposits | 90.9155% | 2,135 |
| Total domestic deposits to total assets | 80.6105% | 5,562 |
| Equity capital to assets | 9.8208% | 4,601 |
| Core capital (leverage) ratio | 8.2955% | 5,979 |
| Tier 1 risk-based capital ratio | 12.2896% | 5,677 |
| Total risk-based capital ratio | 13.5615% | 5,645 |
| Memoranda: | ||
| Average total assets | $1,109,078,750 | 599 |
| Average earning assets | $998,410,000 | 595 |
| Average equity | $108,794,500 | 642 |
| Average total loans | $765,996,500 | 540 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 3,387 |
| Cost of funding earning assets | 0.7177% | 5,849 |
| Net interest margin | 4.2352% | 1,898 |
| Noninterest income to average assets | 0.9200% | 1,584 |
| Noninterest expense to average assets | 3.1013% | 3,250 |
| Loan and lease loss provision to assets | 1.0376% | 823 |
| Net operating income to assets | 0.4842% | 4,569 |
| Return on assets (ROA) | 0.4089% | 5,060 |
| Pretax return on assets | 0.5132% | 5,018 |
| Return on Equity (ROE) | 4.1698% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.1698% | 3,539 |
| Net charge-offs to loans | 1.5015% | 989 |
| Credit loss provision to net charge-offs | 99.6678% | 3,178 |
| Earnings coverage of net charge-offs (x) | 1.5618% | 4,121 |
| Efficiency ratio | 63.3626% | 5,354 |
| Assets per employee ($millions) | 3.6763% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8402% | 1,041 |
| Loan loss allowance to noncurrent loans | 83.5953% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 2.5395% | 2,634 |
| Noncurrent loans to loans | 3.3975% | 2,094 |
| Net loans and leases to total assets | 68.6028% | 2,498 |
| Net loans and leases to deposits | 83.8961% | 2,121 |
| Net loans and leases to core deposits | 90.8621% | 2,272 |
| Total domestic deposits to total assets | 81.7711% | 5,247 |
| Equity capital to assets | 10.1276% | 3,979 |
| Core capital (leverage) ratio | 8.3267% | 5,823 |
| Tier 1 risk-based capital ratio | 12.1855% | 5,623 |
| Total risk-based capital ratio | 13.4566% | 5,594 |
| Memoranda: | ||
| Average total assets | $1,098,642,330 | 609 |
| Average earning assets | $987,619,670 | 610 |
| Average equity | $107,727,670 | 647 |
| Average total loans | $761,750,330 | 554 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 3,157 |
| Cost of funding earning assets | 0.7416% | 5,914 |
| Net interest margin | 4.2456% | 1,763 |
| Noninterest income to average assets | 0.9257% | 1,563 |
| Noninterest expense to average assets | 3.0127% | 3,589 |
| Loan and lease loss provision to assets | 1.0853% | 676 |
| Net operating income to assets | 0.5246% | 4,384 |
| Return on assets (ROA) | 0.4475% | 4,814 |
| Pretax return on assets | 0.5738% | 4,787 |
| Return on Equity (ROE) | 4.6385% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.6385% | 3,403 |
| Net charge-offs to loans | 0.5855% | 2,027 |
| Credit loss provision to net charge-offs | 269.7842% | 1,160 |
| Earnings coverage of net charge-offs (x) | 4.3156% | 2,513 |
| Efficiency ratio | 61.2250% | 5,803 |
| Assets per employee ($millions) | 3.8187% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1449% | 810 |
| Loan loss allowance to noncurrent loans | 84.6424% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 2.6706% | 2,567 |
| Noncurrent loans to loans | 3.7155% | 1,985 |
| Net loans and leases to total assets | 65.3336% | 3,166 |
| Net loans and leases to deposits | 79.5644% | 2,797 |
| Net loans and leases to core deposits | 88.0350% | 2,594 |
| Total domestic deposits to total assets | 82.1141% | 5,264 |
| Equity capital to assets | 9.6436% | 4,257 |
| Core capital (leverage) ratio | 7.9685% | 6,292 |
| Tier 1 risk-based capital ratio | 12.0414% | 5,650 |
| Total risk-based capital ratio | 13.3160% | 5,624 |
| Memoranda: | ||
| Average total assets | $1,105,703,500 | 609 |
| Average earning assets | $995,655,000 | 607 |
| Average equity | $106,673,500 | 650 |
| Average total loans | $759,745,500 | 567 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2180% | 3,521 |
| Cost of funding earning assets | 0.9690% | 5,850 |
| Net interest margin | 4.2490% | 2,001 |
| Noninterest income to average assets | 0.8151% | 2,202 |
| Noninterest expense to average assets | 2.9681% | 3,971 |
| Loan and lease loss provision to assets | 1.6240% | 890 |
| Net operating income to assets | 0.1238% | 5,528 |
| Return on assets (ROA) | 0.0645% | 5,810 |
| Pretax return on assets | -0.0088% | 5,910 |
| Return on Equity (ROE) | 0.6662% | 5,793 |
| Retained earnings to average equity (ytd only) | 0.6662% | 5,241 |
| Net charge-offs to loans | 1.4602% | 1,514 |
| Credit loss provision to net charge-offs | 156.7771% | 2,250 |
| Earnings coverage of net charge-offs (x) | 1.6165% | 4,524 |
| Efficiency ratio | 61.5575% | 5,799 |
| Assets per employee ($millions) | 3.7805% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8369% | 1,012 |
| Loan loss allowance to noncurrent loans | 89.1547% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 2.3909% | 2,877 |
| Noncurrent loans to loans | 3.1820% | 2,393 |
| Net loans and leases to total assets | 68.0040% | 2,979 |
| Net loans and leases to deposits | 82.7560% | 2,670 |
| Net loans and leases to core deposits | 92.9666% | 2,392 |
| Total domestic deposits to total assets | 82.1741% | 5,132 |
| Equity capital to assets | 9.6516% | 4,210 |
| Core capital (leverage) ratio | 8.0935% | 6,031 |
| Tier 1 risk-based capital ratio | 12.1128% | 5,371 |
| Total risk-based capital ratio | 13.3840% | 5,330 |
| Memoranda: | ||
| Average total assets | $1,104,710,400 | 600 |
| Average earning assets | $995,109,800 | 602 |
| Average equity | $107,029,200 | 631 |
| Average total loans | $783,679,600 | 554 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2654% | 3,508 |
| Cost of funding earning assets | 1.0168% | 5,860 |
| Net interest margin | 4.2486% | 2,041 |
| Noninterest income to average assets | 0.8720% | 1,902 |
| Noninterest expense to average assets | 3.0075% | 3,712 |
| Loan and lease loss provision to assets | 1.7395% | 720 |
| Net operating income to assets | 0.0621% | 5,862 |
| Return on assets (ROA) | -0.0143% | 6,151 |
| Pretax return on assets | -0.1285% | 6,258 |
| Return on Equity (ROE) | -0.1478% | 6,155 |
| Retained earnings to average equity (ytd only) | -0.1478% | 5,819 |
| Net charge-offs to loans | 1.3728% | 1,479 |
| Credit loss provision to net charge-offs | 178.0298% | 2,068 |
| Earnings coverage of net charge-offs (x) | 1.7259% | 4,413 |
| Efficiency ratio | 61.7272% | 5,660 |
| Assets per employee ($millions) | 3.7635% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7483% | 1,039 |
| Loan loss allowance to noncurrent loans | 87.6446% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 2.4223% | 2,951 |
| Noncurrent loans to loans | 3.1358% | 2,542 |
| Net loans and leases to total assets | 68.8441% | 3,022 |
| Net loans and leases to deposits | 83.8173% | 2,734 |
| Net loans and leases to core deposits | 95.6330% | 2,304 |
| Total domestic deposits to total assets | 82.1359% | 4,941 |
| Equity capital to assets | 9.7163% | 4,522 |
| Core capital (leverage) ratio | 8.0823% | 6,222 |
| Tier 1 risk-based capital ratio | 11.8116% | 5,625 |
| Total risk-based capital ratio | 13.0819% | 5,586 |
| Memoranda: | ||
| Average total assets | $1,106,803,000 | 597 |
| Average earning assets | $995,627,500 | 598 |
| Average equity | $107,333,000 | 617 |
| Average total loans | $787,768,750 | 552 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2909% | 3,511 |
| Cost of funding earning assets | 1.0571% | 5,888 |
| Net interest margin | 4.2338% | 2,042 |
| Noninterest income to average assets | 0.8549% | 1,865 |
| Noninterest expense to average assets | 3.0062% | 3,693 |
| Loan and lease loss provision to assets | 1.5086% | 880 |
| Net operating income to assets | 0.1874% | 5,606 |
| Return on assets (ROA) | 0.1387% | 5,868 |
| Pretax return on assets | 0.1015% | 5,975 |
| Return on Equity (ROE) | 1.4316% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.4316% | 5,159 |
| Net charge-offs to loans | 1.1870% | 1,606 |
| Credit loss provision to net charge-offs | 178.2432% | 2,199 |
| Earnings coverage of net charge-offs (x) | 1.9598% | 4,053 |
| Efficiency ratio | 62.0769% | 5,678 |
| Assets per employee ($millions) | 3.8853% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3964% | 1,434 |
| Loan loss allowance to noncurrent loans | 78.8899% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 2.4016% | 2,995 |
| Noncurrent loans to loans | 3.0376% | 2,651 |
| Net loans and leases to total assets | 69.1507% | 3,094 |
| Net loans and leases to deposits | 85.6689% | 2,559 |
| Net loans and leases to core deposits | 90.7649% | 3,157 |
| Total domestic deposits to total assets | 80.7186% | 5,504 |
| Equity capital to assets | 9.7199% | 4,381 |
| Core capital (leverage) ratio | 8.2143% | 5,917 |
| Tier 1 risk-based capital ratio | 11.2207% | 6,018 |
| Total risk-based capital ratio | 12.4848% | 5,992 |
| Memoranda: | ||
| Average total assets | $1,105,657,330 | 593 |
| Average earning assets | $994,988,330 | 599 |
| Average equity | $107,152,670 | 611 |
| Average total loans | $788,380,000 | 555 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 3,436 |
| Cost of funding earning assets | 1.1167% | 5,821 |
| Net interest margin | 4.2054% | 2,017 |
| Noninterest income to average assets | 0.8277% | 1,895 |
| Noninterest expense to average assets | 3.0214% | 3,598 |
| Loan and lease loss provision to assets | 1.3588% | 877 |
| Net operating income to assets | 0.2387% | 5,553 |
| Return on assets (ROA) | 0.1926% | 5,833 |
| Pretax return on assets | 0.1831% | 5,930 |
| Return on Equity (ROE) | 1.9899% | 5,764 |
| Retained earnings to average equity (ytd only) | 1.9899% | 4,938 |
| Net charge-offs to loans | 1.2047% | 1,412 |
| Credit loss provision to net charge-offs | 157.6728% | 2,276 |
| Earnings coverage of net charge-offs (x) | 1.8427% | 3,631 |
| Efficiency ratio | 63.1434% | 5,635 |
| Assets per employee ($millions) | 3.8938% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,908 |
| Loan loss allowance to noncurrent loans | 62.8290% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.5809% | 2,823 |
| Noncurrent loans to loans | 3.3766% | 2,372 |
| Net loans and leases to total assets | 69.6633% | 3,017 |
| Net loans and leases to deposits | 85.9495% | 2,595 |
| Net loans and leases to core deposits | 91.3218% | 3,199 |
| Total domestic deposits to total assets | 81.0515% | 5,442 |
| Equity capital to assets | 9.7189% | 4,197 |
| Core capital (leverage) ratio | 8.3000% | 5,740 |
| Tier 1 risk-based capital ratio | 11.2856% | 5,868 |
| Total risk-based capital ratio | 12.5463% | 5,824 |
| Memoranda: | ||
| Average total assets | $1,100,943,000 | 615 |
| Average earning assets | $990,058,500 | 618 |
| Average equity | $106,536,500 | 617 |
| Average total loans | $787,559,000 | 575 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6149% | 3,530 |
| Cost of funding earning assets | 1.3753% | 6,038 |
| Net interest margin | 4.2396% | 1,939 |
| Noninterest income to average assets | 0.8623% | 2,133 |
| Noninterest expense to average assets | 2.9627% | 4,293 |
| Loan and lease loss provision to assets | 1.2154% | 1,891 |
| Net operating income to assets | 0.4072% | 4,101 |
| Return on assets (ROA) | 0.3606% | 4,388 |
| Pretax return on assets | 0.4468% | 4,362 |
| Return on Equity (ROE) | 3.6637% | 4,223 |
| Retained earnings to average equity (ytd only) | -0.7002% | 5,175 |
| Net charge-offs to loans | 0.8705% | 2,659 |
| Credit loss provision to net charge-offs | 193.0324% | 2,061 |
| Earnings coverage of net charge-offs (x) | 2.7123% | 3,744 |
| Efficiency ratio | 60.9154% | 6,346 |
| Assets per employee ($millions) | 3.8867% | 4,056 |
| Cash dividends to net income (ytd only)* | 119.1128% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 2,189 |
| Loan loss allowance to noncurrent loans | 59.7223% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 2.4914% | 2,806 |
| Noncurrent loans to loans | 3.2334% | 2,358 |
| Net loans and leases to total assets | 70.5090% | 3,127 |
| Net loans and leases to deposits | 89.3134% | 2,336 |
| Net loans and leases to core deposits | 103.7256% | 3,600 |
| Total domestic deposits to total assets | 78.9455% | 5,993 |
| Equity capital to assets | 9.6347% | 4,235 |
| Core capital (leverage) ratio | 8.2408% | 5,748 |
| Tier 1 risk-based capital ratio | 11.1363% | 5,793 |
| Total risk-based capital ratio | 12.3946% | 5,738 |
| Memoranda: | ||
| Average total assets | $1,094,153,800 | 612 |
| Average earning assets | $982,797,600 | 614 |
| Average equity | $107,678,400 | 605 |
| Average total loans | $791,415,400 | 577 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6348% | 3,669 |
| Cost of funding earning assets | 1.4438% | 6,064 |
| Net interest margin | 4.1910% | 2,094 |
| Noninterest income to average assets | 0.8446% | 2,226 |
| Noninterest expense to average assets | 3.0513% | 3,838 |
| Loan and lease loss provision to assets | 1.0025% | 1,913 |
| Net operating income to assets | 0.4485% | 4,201 |
| Return on assets (ROA) | 0.4031% | 4,490 |
| Pretax return on assets | 0.5144% | 4,473 |
| Return on Equity (ROE) | 4.0750% | 4,345 |
| Retained earnings to average equity (ytd only) | -1.7205% | 5,662 |
| Net charge-offs to loans | 0.5102% | 3,181 |
| Credit loss provision to net charge-offs | 271.2446% | 1,566 |
| Earnings coverage of net charge-offs (x) | 4.2222% | 3,209 |
| Efficiency ratio | 63.6046% | 5,823 |
| Assets per employee ($millions) | 3.8536% | 4,068 |
| Cash dividends to net income (ytd only)* | 142.2217% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7751% | 2,364 |
| Loan loss allowance to noncurrent loans | 54.0221% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 2.5879% | 2,688 |
| Noncurrent loans to loans | 3.2858% | 2,298 |
| Net loans and leases to total assets | 70.5369% | 3,380 |
| Net loans and leases to deposits | 90.0201% | 2,580 |
| Net loans and leases to core deposits | 104.9703% | 3,826 |
| Total domestic deposits to total assets | 78.3569% | 5,992 |
| Equity capital to assets | 9.7232% | 4,466 |
| Core capital (leverage) ratio | 8.0993% | 6,185 |
| Tier 1 risk-based capital ratio | 11.0269% | 5,925 |
| Total risk-based capital ratio | 12.2834% | 5,880 |
| Memoranda: | ||
| Average total assets | $1,092,710,500 | 624 |
| Average earning assets | $982,209,750 | 625 |
| Average equity | $108,104,250 | 614 |
| Average total loans | $791,564,750 | 594 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 3,570 |
| Cost of funding earning assets | 1.5092% | 6,104 |
| Net interest margin | 4.1858% | 2,043 |
| Noninterest income to average assets | 0.8532% | 2,168 |
| Noninterest expense to average assets | 3.1534% | 3,493 |
| Loan and lease loss provision to assets | 0.8745% | 1,926 |
| Net operating income to assets | 0.4652% | 4,236 |
| Return on assets (ROA) | 0.4207% | 4,528 |
| Pretax return on assets | 0.5431% | 4,484 |
| Return on Equity (ROE) | 4.2281% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.2281% | 2,951 |
| Net charge-offs to loans | 0.3542% | 3,410 |
| Credit loss provision to net charge-offs | 339.8003% | 1,366 |
| Earnings coverage of net charge-offs (x) | 5.6733% | 2,784 |
| Efficiency ratio | 65.7900% | 5,583 |
| Assets per employee ($millions) | 3.8250% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 2,925 |
| Loan loss allowance to noncurrent loans | 51.5107% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.3673% | 2,742 |
| Noncurrent loans to loans | 3.0230% | 2,385 |
| Net loans and leases to total assets | 70.3947% | 3,609 |
| Net loans and leases to deposits | 87.8146% | 3,199 |
| Net loans and leases to core deposits | 103.3413% | 4,143 |
| Total domestic deposits to total assets | 80.1629% | 5,413 |
| Equity capital to assets | 9.9872% | 3,956 |
| Core capital (leverage) ratio | 8.4131% | 5,595 |
| Tier 1 risk-based capital ratio | 11.5690% | 5,311 |
| Total risk-based capital ratio | 12.8228% | 5,241 |
| Memoranda: | ||
| Average total assets | $1,089,571,000 | 635 |
| Average earning assets | $978,784,670 | 639 |
| Average equity | $108,418,330 | 619 |
| Average total loans | $791,600,670 | 616 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 3,164 |
| Cost of funding earning assets | 1.5844% | 6,095 |
| Net interest margin | 4.2422% | 1,768 |
| Noninterest income to average assets | 0.8594% | 2,039 |
| Noninterest expense to average assets | 3.1231% | 3,290 |
| Loan and lease loss provision to assets | 0.7746% | 1,660 |
| Net operating income to assets | 0.5871% | 4,070 |
| Return on assets (ROA) | 0.5354% | 4,464 |
| Pretax return on assets | 0.7215% | 4,352 |
| Return on Equity (ROE) | 5.3910% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.3910% | 2,912 |
| Net charge-offs to loans | 0.3165% | 2,836 |
| Credit loss provision to net charge-offs | 334.1812% | 1,482 |
| Earnings coverage of net charge-offs (x) | 6.6773% | 2,455 |
| Efficiency ratio | 64.3235% | 5,627 |
| Assets per employee ($millions) | 3.9705% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,057 |
| Loan loss allowance to noncurrent loans | 41.3781% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 2.3796% | 2,402 |
| Noncurrent loans to loans | 3.1490% | 2,052 |
| Net loans and leases to total assets | 69.9151% | 3,688 |
| Net loans and leases to deposits | 87.7795% | 3,320 |
| Net loans and leases to core deposits | 103.3143% | 4,212 |
| Total domestic deposits to total assets | 79.6486% | 5,487 |
| Equity capital to assets | 9.6901% | 4,400 |
| Core capital (leverage) ratio | 8.4853% | 5,571 |
| Tier 1 risk-based capital ratio | 11.2177% | 5,685 |
| Total risk-based capital ratio | 12.4682% | 5,596 |
| Memoranda: | ||
| Average total assets | $1,085,467,000 | 635 |
| Average earning assets | $975,248,000 | 643 |
| Average equity | $107,809,000 | 621 |
| Average total loans | $794,900,000 | 622 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5682% | 2,632 |
| Cost of funding earning assets | 2.0155% | 6,362 |
| Net interest margin | 4.5526% | 1,306 |
| Noninterest income to average assets | 0.8213% | 2,399 |
| Noninterest expense to average assets | 6.9798% | 285 |
| Loan and lease loss provision to assets | 0.6722% | 2,167 |
| Net operating income to assets | -3.2133% | 7,868 |
| Return on assets (ROA) | -3.1957% | 7,840 |
| Pretax return on assets | -2.8910% | 7,681 |
| Return on Equity (ROE) | -24.4454% | 7,851 |
| Retained earnings to average equity (ytd only) | -32.5017% | 7,952 |
| Net charge-offs to loans | 0.7389% | 1,675 |
| Credit loss provision to net charge-offs | 125.2203% | 4,269 |
| Earnings coverage of net charge-offs (x) | -4.1663% | 6,808 |
| Efficiency ratio | 61.2993% | 6,108 |
| Assets per employee ($millions) | 3.6886% | 4,201 |
| Cash dividends to net income (ytd only)* | -32.9566% | 8,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,179 |
| Loan loss allowance to noncurrent loans | 42.2101% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 2.1551% | 2,275 |
| Noncurrent loans to loans | 2.6355% | 2,057 |
| Net loans and leases to total assets | 74.9370% | 2,894 |
| Net loans and leases to deposits | 96.3780% | 2,387 |
| Net loans and leases to core deposits | 106.9498% | 4,084 |
| Total domestic deposits to total assets | 77.7532% | 5,793 |
| Equity capital to assets | 10.1898% | 3,817 |
| Core capital (leverage) ratio | 8.2138% | 6,141 |
| Tier 1 risk-based capital ratio | 11.2999% | 5,443 |
| Total risk-based capital ratio | 12.4421% | 5,431 |
| Memoranda: | ||
| Average total assets | $1,099,125,600 | 603 |
| Average earning assets | $946,900,400 | 633 |
| Average equity | $143,687,800 | 485 |
| Average total loans | $798,439,400 | 593 |