Home > CommunityBank of Texas, N.A. > Performance and Condition Ratios
CommunityBank of Texas, N.A., Performance and Condition Ratios
| 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 | 3.7716% | 1,832 |
| Cost of funding earning assets | 0.1405% | 3,934 |
| Net interest margin | 3.6312% | 1,313 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.1720% | 3,002 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2377% | 1,558 |
| Return on assets (ROA) | 1.2343% | 1,549 |
| Pretax return on assets | 1.5176% | 1,363 |
| Return on Equity (ROE) | 10.5900% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.0842% | 1,966 |
| Net charge-offs to loans | -0.0094% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.6283% | 3,429 |
| Assets per employee ($millions) | 8.7726% | 978 |
| Cash dividends to net income (ytd only)* | 23.6651% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 3,295 |
| Loan loss allowance to noncurrent loans | 145.3681% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 1,038 |
| Noncurrent loans to loans | 0.7168% | 1,140 |
| Net loans and leases to total assets | 72.4200% | 1,242 |
| Net loans and leases to deposits | 82.8213% | 1,374 |
| Net loans and leases to core deposits | 86.3244% | 1,515 |
| Total domestic deposits to total assets | 87.4400% | 2,616 |
| Equity capital to assets | 11.5369% | 991 |
| Core capital (leverage) ratio | 11.2182% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8537% | 1,752 |
| Memoranda: | ||
| Average total assets | $4,382,111,750 | 295 |
| Average earning assets | $4,057,891,000 | 289 |
| Average equity | $510,712,500 | 265 |
| Average total loans | $2,976,912,750 | 280 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4211% | 2,369 |
| Cost of funding earning assets | 0.1275% | 3,873 |
| Net interest margin | 3.2935% | 1,932 |
| Noninterest income to average assets | 0.4059% | 2,722 |
| Noninterest expense to average assets | 2.1078% | 3,128 |
| Loan and lease loss provision to assets | 0.0254% | 2,143 |
| Net operating income to assets | 1.0836% | 1,839 |
| Return on assets (ROA) | 1.0802% | 1,834 |
| Pretax return on assets | 1.3238% | 1,666 |
| Return on Equity (ROE) | 9.2383% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.7608% | 2,066 |
| Net charge-offs to loans | -0.0166% | 3,797 |
| Credit loss provision to net charge-offs | -205.3498% | 3,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4376% | 3,242 |
| Assets per employee ($millions) | 8.8045% | 953 |
| Cash dividends to net income (ytd only)* | 26.8175% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,335 |
| Loan loss allowance to noncurrent loans | 113.4899% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 839 |
| Noncurrent loans to loans | 0.9322% | 897 |
| Net loans and leases to total assets | 69.4150% | 1,356 |
| Net loans and leases to deposits | 79.2937% | 1,436 |
| Net loans and leases to core deposits | 82.7200% | 1,541 |
| Total domestic deposits to total assets | 87.5416% | 2,751 |
| Equity capital to assets | 11.6212% | 989 |
| Core capital (leverage) ratio | 10.9135% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8172% | 1,757 |
| Memoranda: | ||
| Average total assets | $4,418,733,000 | 292 |
| Average earning assets | $4,099,069,667 | 291 |
| Average equity | $516,655,667 | 262 |
| Average total loans | $2,927,076,667 | 281 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2769% | 2,453 |
| Cost of funding earning assets | 0.1334% | 3,723 |
| Net interest margin | 3.1434% | 2,046 |
| Noninterest income to average assets | 0.4821% | 2,224 |
| Noninterest expense to average assets | 2.1152% | 3,096 |
| Loan and lease loss provision to assets | 0.0390% | 1,661 |
| Net operating income to assets | 1.0319% | 1,751 |
| Return on assets (ROA) | 1.0278% | 1,760 |
| Pretax return on assets | 1.2452% | 1,670 |
| Return on Equity (ROE) | 8.7646% | 2,408 |
| Retained earnings to average equity (ytd only) | 6.3208% | 2,135 |
| Net charge-offs to loans | -0.0107% | 3,615 |
| Credit loss provision to net charge-offs | -25.9740% | 2,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6579% | 3,309 |
| Assets per employee ($millions) | 8.8411% | 976 |
| Cash dividends to net income (ytd only)* | 27.8819% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,358 |
| Loan loss allowance to noncurrent loans | 142.3810% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 1,210 |
| Noncurrent loans to loans | 0.7666% | 1,245 |
| Net loans and leases to total assets | 64.0691% | 1,609 |
| Net loans and leases to deposits | 74.0060% | 1,610 |
| Net loans and leases to core deposits | 76.4117% | 1,751 |
| Total domestic deposits to total assets | 86.5728% | 3,084 |
| Equity capital to assets | 11.5310% | 1,114 |
| Core capital (leverage) ratio | 10.4720% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2231% | 1,713 |
| Memoranda: | ||
| Average total assets | $4,466,587,000 | 293 |
| Average earning assets | $4,152,142,000 | 292 |
| Average equity | $523,790,500 | 267 |
| Average total loans | $2,874,158,000 | 284 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4549% | 2,786 |
| Cost of funding earning assets | 0.1546% | 3,919 |
| Net interest margin | 3.3003% | 2,317 |
| Noninterest income to average assets | 0.3929% | 3,088 |
| Noninterest expense to average assets | 2.5184% | 2,127 |
| Loan and lease loss provision to assets | -0.2597% | 4,754 |
| Net operating income to assets | 0.9238% | 2,962 |
| Return on assets (ROA) | 0.9232% | 3,028 |
| Pretax return on assets | 1.1752% | 2,749 |
| Return on Equity (ROE) | 7.2829% | 3,445 |
| Retained earnings to average equity (ytd only) | 4.8487% | 2,841 |
| Net charge-offs to loans | -0.0203% | 3,986 |
| Credit loss provision to net charge-offs | 1,730.1754% | 346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8050% | 1,424 |
| Assets per employee ($millions) | 8.8658% | 962 |
| Cash dividends to net income (ytd only)* | 33.4230% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,385 |
| Loan loss allowance to noncurrent loans | 138.8914% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 1,326 |
| Noncurrent loans to loans | 0.7870% | 1,294 |
| Net loans and leases to total assets | 63.2249% | 1,792 |
| Net loans and leases to deposits | 73.4717% | 1,772 |
| Net loans and leases to core deposits | 76.0982% | 1,914 |
| Total domestic deposits to total assets | 86.0534% | 2,883 |
| Equity capital to assets | 11.9210% | 1,288 |
| Core capital (leverage) ratio | 10.5755% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5425% | 1,673 |
| Memoranda: | ||
| Average total assets | $4,148,307,400 | 294 |
| Average earning assets | $3,823,356,600 | 293 |
| Average equity | $525,848,800 | 264 |
| Average total loans | $2,805,229,600 | 282 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5666% | 2,644 |
| Cost of funding earning assets | 0.1610% | 4,006 |
| Net interest margin | 3.4056% | 2,139 |
| Noninterest income to average assets | 0.3998% | 3,083 |
| Noninterest expense to average assets | 2.3445% | 2,612 |
| Loan and lease loss provision to assets | -0.3138% | 4,829 |
| Net operating income to assets | 1.2242% | 2,090 |
| Return on assets (ROA) | 1.2236% | 2,146 |
| Pretax return on assets | 1.4969% | 1,999 |
| Return on Equity (ROE) | 9.4966% | 2,930 |
| Retained earnings to average equity (ytd only) | 7.0521% | 2,397 |
| Net charge-offs to loans | -0.0254% | 4,070 |
| Credit loss provision to net charge-offs | 1,684.3985% | 369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9290% | 2,107 |
| Assets per employee ($millions) | 8.0953% | 1,234 |
| Cash dividends to net income (ytd only)* | 25.7407% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,823 |
| Loan loss allowance to noncurrent loans | 156.4634% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 1,558 |
| Noncurrent loans to loans | 0.7891% | 1,431 |
| Net loans and leases to total assets | 61.2065% | 2,113 |
| Net loans and leases to deposits | 72.3324% | 2,019 |
| Net loans and leases to core deposits | 75.4727% | 2,102 |
| Total domestic deposits to total assets | 84.6184% | 3,259 |
| Equity capital to assets | 12.7417% | 1,076 |
| Core capital (leverage) ratio | 11.0055% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1262% | 1,326 |
| Memoranda: | ||
| Average total assets | $4,063,854,250 | 299 |
| Average earning assets | $3,733,234,250 | 299 |
| Average equity | $523,613,500 | 265 |
| Average total loans | $2,789,615,000 | 285 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6475% | 2,476 |
| Cost of funding earning assets | 0.1661% | 4,080 |
| Net interest margin | 3.4814% | 1,911 |
| Noninterest income to average assets | 0.3297% | 3,452 |
| Noninterest expense to average assets | 2.3628% | 2,578 |
| Loan and lease loss provision to assets | -0.2327% | 4,788 |
| Net operating income to assets | 1.1231% | 2,457 |
| Return on assets (ROA) | 1.1224% | 2,530 |
| Pretax return on assets | 1.3919% | 2,363 |
| Return on Equity (ROE) | 8.6772% | 3,200 |
| Retained earnings to average equity (ytd only) | 6.2126% | 2,724 |
| Net charge-offs to loans | -0.0316% | 4,176 |
| Credit loss provision to net charge-offs | 867.5556% | 509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5352% | 2,078 |
| Assets per employee ($millions) | 7.6888% | 1,372 |
| Cash dividends to net income (ytd only)* | 28.4028% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 2,146 |
| Loan loss allowance to noncurrent loans | 177.2898% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 1,621 |
| Noncurrent loans to loans | 0.7682% | 1,567 |
| Net loans and leases to total assets | 66.2129% | 1,675 |
| Net loans and leases to deposits | 78.1038% | 1,611 |
| Net loans and leases to core deposits | 81.7568% | 1,744 |
| Total domestic deposits to total assets | 84.7756% | 3,188 |
| Equity capital to assets | 12.9698% | 958 |
| Core capital (leverage) ratio | 10.9131% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7049% | 1,418 |
| Memoranda: | ||
| Average total assets | $4,015,288,333 | 301 |
| Average earning assets | $3,682,911,333 | 298 |
| Average equity | $519,362,000 | 265 |
| Average total loans | $2,849,910,333 | 280 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 2,115 |
| Cost of funding earning assets | 0.1720% | 4,145 |
| Net interest margin | 3.6225% | 1,526 |
| Noninterest income to average assets | 0.3140% | 3,526 |
| Noninterest expense to average assets | 2.2857% | 2,836 |
| Loan and lease loss provision to assets | 0.0413% | 2,232 |
| Net operating income to assets | 1.0507% | 2,633 |
| Return on assets (ROA) | 1.0490% | 2,720 |
| Pretax return on assets | 1.3028% | 2,560 |
| Return on Equity (ROE) | 8.1214% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.1807% | 2,835 |
| Net charge-offs to loans | 0.0067% | 1,658 |
| Credit loss provision to net charge-offs | 583.6735% | 563 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 318 |
| Efficiency ratio | 62.4068% | 2,684 |
| Assets per employee ($millions) | 7.7933% | 1,290 |
| Cash dividends to net income (ytd only)* | 23.8960% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 1,897 |
| Loan loss allowance to noncurrent loans | 173.8727% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 1,633 |
| Noncurrent loans to loans | 0.8127% | 1,639 |
| Net loans and leases to total assets | 70.7784% | 1,182 |
| Net loans and leases to deposits | 83.5092% | 1,194 |
| Net loans and leases to core deposits | 87.8731% | 1,378 |
| Total domestic deposits to total assets | 84.7553% | 3,204 |
| Equity capital to assets | 12.8451% | 960 |
| Core capital (leverage) ratio | 11.1830% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0484% | 1,556 |
| Memoranda: | ||
| Average total assets | $3,989,251,000 | 302 |
| Average earning assets | $3,653,840,000 | 300 |
| Average equity | $515,279,000 | 265 |
| Average total loans | $2,909,713,500 | 278 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 2,436 |
| Cost of funding earning assets | 0.2973% | 4,160 |
| Net interest margin | 3.7969% | 1,506 |
| Noninterest income to average assets | 0.3970% | 3,108 |
| Noninterest expense to average assets | 2.4501% | 2,993 |
| Loan and lease loss provision to assets | 0.4866% | 527 |
| Net operating income to assets | 0.7549% | 3,252 |
| Return on assets (ROA) | 0.7556% | 3,377 |
| Pretax return on assets | 0.9242% | 3,301 |
| Return on Equity (ROE) | 5.5869% | 3,711 |
| Retained earnings to average equity (ytd only) | 3.5266% | 3,066 |
| Net charge-offs to loans | 0.1270% | 1,242 |
| Credit loss provision to net charge-offs | 503.3138% | 1,244 |
| Earnings coverage of net charge-offs (x) | 14.5826% | 2,206 |
| Efficiency ratio | 62.8843% | 2,998 |
| Assets per employee ($millions) | 7.7287% | 1,154 |
| Cash dividends to net income (ytd only)* | 36.8774% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 2,014 |
| Loan loss allowance to noncurrent loans | 169.2010% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6081% | 1,737 |
| Noncurrent loans to loans | 0.8206% | 1,706 |
| Net loans and leases to total assets | 73.0790% | 1,150 |
| Net loans and leases to deposits | 86.4689% | 1,218 |
| Net loans and leases to core deposits | 91.2762% | 1,442 |
| Total domestic deposits to total assets | 84.5148% | 2,944 |
| Equity capital to assets | 12.9897% | 1,089 |
| Core capital (leverage) ratio | 11.1207% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5720% | 1,663 |
| Memoranda: | ||
| Average total assets | $3,714,288,800 | 302 |
| Average earning assets | $3,387,553,800 | 297 |
| Average equity | $502,352,800 | 258 |
| Average total loans | $2,828,196,600 | 275 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 2,449 |
| Cost of funding earning assets | 0.3323% | 4,139 |
| Net interest margin | 3.8468% | 1,483 |
| Noninterest income to average assets | 0.4093% | 3,031 |
| Noninterest expense to average assets | 2.4883% | 2,884 |
| Loan and lease loss provision to assets | 0.6509% | 364 |
| Net operating income to assets | 0.6342% | 3,684 |
| Return on assets (ROA) | 0.6353% | 3,768 |
| Pretax return on assets | 0.7764% | 3,714 |
| Return on Equity (ROE) | 4.6479% | 3,985 |
| Retained earnings to average equity (ytd only) | 2.5533% | 3,711 |
| Net charge-offs to loans | -0.0033% | 3,966 |
| Credit loss provision to net charge-offs | -25,492.8571% | 4,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9656% | 2,920 |
| Assets per employee ($millions) | 7.4087% | 1,272 |
| Cash dividends to net income (ytd only)* | 45.0657% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,430 |
| Loan loss allowance to noncurrent loans | 282.9289% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 2,534 |
| Noncurrent loans to loans | 0.5251% | 2,485 |
| Net loans and leases to total assets | 76.5888% | 1,021 |
| Net loans and leases to deposits | 91.0246% | 1,156 |
| Net loans and leases to core deposits | 97.3988% | 1,350 |
| Total domestic deposits to total assets | 84.1408% | 2,774 |
| Equity capital to assets | 13.2209% | 1,099 |
| Core capital (leverage) ratio | 10.9392% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4195% | 1,685 |
| Memoranda: | ||
| Average total assets | $3,655,520,750 | 301 |
| Average earning assets | $3,330,785,500 | 297 |
| Average equity | $499,688,000 | 257 |
| Average total loans | $2,803,548,250 | 276 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,457 |
| Cost of funding earning assets | 0.3809% | 4,123 |
| Net interest margin | 3.9247% | 1,515 |
| Noninterest income to average assets | 0.3996% | 3,082 |
| Noninterest expense to average assets | 2.5115% | 2,931 |
| Loan and lease loss provision to assets | 0.7371% | 358 |
| Net operating income to assets | 0.5871% | 3,781 |
| Return on assets (ROA) | 0.5888% | 3,859 |
| Pretax return on assets | 0.7281% | 3,803 |
| Return on Equity (ROE) | 4.2581% | 4,037 |
| Retained earnings to average equity (ytd only) | 2.1100% | 3,708 |
| Net charge-offs to loans | -0.0180% | 4,376 |
| Credit loss provision to net charge-offs | -5,353.2258% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5592% | 3,035 |
| Assets per employee ($millions) | 7.4607% | 1,202 |
| Cash dividends to net income (ytd only)* | 50.4479% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,771 |
| Loan loss allowance to noncurrent loans | 355.2830% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 3,180 |
| Noncurrent loans to loans | 0.3805% | 3,050 |
| Net loans and leases to total assets | 74.1988% | 1,385 |
| Net loans and leases to deposits | 87.8897% | 1,571 |
| Net loans and leases to core deposits | 95.1808% | 1,646 |
| Total domestic deposits to total assets | 84.4227% | 2,590 |
| Equity capital to assets | 12.8239% | 1,228 |
| Core capital (leverage) ratio | 10.9675% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2908% | 1,699 |
| Memoranda: | ||
| Average total assets | $3,602,205,333 | 303 |
| Average earning assets | $3,281,125,333 | 299 |
| Average equity | $498,104,000 | 256 |
| Average total loans | $2,749,301,333 | 278 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6127% | 1,962 |
| Cost of funding earning assets | 0.5080% | 3,908 |
| Net interest margin | 4.1047% | 1,126 |
| Noninterest income to average assets | 0.4980% | 2,558 |
| Noninterest expense to average assets | 2.5438% | 3,146 |
| Loan and lease loss provision to assets | 0.5491% | 524 |
| Net operating income to assets | 0.9181% | 2,458 |
| Return on assets (ROA) | 0.9208% | 2,562 |
| Pretax return on assets | 1.1418% | 2,389 |
| Return on Equity (ROE) | 6.3964% | 3,176 |
| Retained earnings to average equity (ytd only) | 4.1025% | 2,639 |
| Net charge-offs to loans | -0.0453% | 4,605 |
| Credit loss provision to net charge-offs | -1,574.4186% | 3,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5110% | 3,809 |
| Assets per employee ($millions) | 6.6911% | 1,233 |
| Cash dividends to net income (ytd only)* | 35.8626% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 2,837 |
| Loan loss allowance to noncurrent loans | 2,154.2818% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 4,396 |
| Noncurrent loans to loans | 0.0542% | 4,335 |
| Net loans and leases to total assets | 77.0983% | 1,117 |
| Net loans and leases to deposits | 93.2745% | 1,153 |
| Net loans and leases to core deposits | 101.3083% | 1,377 |
| Total domestic deposits to total assets | 82.6574% | 3,219 |
| Equity capital to assets | 14.5943% | 861 |
| Core capital (leverage) ratio | 12.0887% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1573% | 1,861 |
| Memoranda: | ||
| Average total assets | $3,452,327,000 | 304 |
| Average earning assets | $3,140,097,500 | 300 |
| Average equity | $496,964,500 | 258 |
| Average total loans | $2,656,508,000 | 279 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 1,440 |
| Cost of funding earning assets | 0.5683% | 3,783 |
| Net interest margin | 4.4456% | 811 |
| Noninterest income to average assets | 0.5512% | 2,471 |
| Noninterest expense to average assets | 2.6353% | 3,074 |
| Loan and lease loss provision to assets | 0.0708% | 2,585 |
| Net operating income to assets | 1.5336% | 977 |
| Return on assets (ROA) | 1.5348% | 1,029 |
| Pretax return on assets | 1.8810% | 776 |
| Return on Equity (ROE) | 10.9975% | 1,895 |
| Retained earnings to average equity (ytd only) | 9.1056% | 686 |
| Net charge-offs to loans | 0.0308% | 2,780 |
| Credit loss provision to net charge-offs | 298.8722% | 937 |
| Earnings coverage of net charge-offs (x) | 82.3885% | 776 |
| Efficiency ratio | 56.8902% | 4,103 |
| Assets per employee ($millions) | 6.9576% | 1,055 |
| Cash dividends to net income (ytd only)* | 17.2024% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 3,712 |
| Loan loss allowance to noncurrent loans | 2,587.5128% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 4,508 |
| Noncurrent loans to loans | 0.0370% | 4,412 |
| Net loans and leases to total assets | 75.1773% | 1,555 |
| Net loans and leases to deposits | 90.2767% | 1,555 |
| Net loans and leases to core deposits | 98.3721% | 1,703 |
| Total domestic deposits to total assets | 83.2743% | 3,112 |
| Equity capital to assets | 14.1989% | 1,033 |
| Core capital (leverage) ratio | 11.8951% | 1,847 |
| Tier 1 risk-based capital ratio | 14.0786% | 3,229 |
| Total risk-based capital ratio | 14.9668% | 3,309 |
| Memoranda: | ||
| Average total assets | $3,371,003,200 | 296 |
| Average earning assets | $3,059,254,400 | 293 |
| Average equity | $470,444,400 | 258 |
| Average total loans | $2,590,690,400 | 278 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 1,422 |
| Cost of funding earning assets | 0.5544% | 3,901 |
| Net interest margin | 4.4945% | 780 |
| Noninterest income to average assets | 0.5924% | 2,246 |
| Noninterest expense to average assets | 2.6729% | 2,934 |
| Loan and lease loss provision to assets | 0.1010% | 1,902 |
| Net operating income to assets | 1.5471% | 1,072 |
| Return on assets (ROA) | 1.5488% | 1,117 |
| Pretax return on assets | 1.8960% | 875 |
| Return on Equity (ROE) | 11.1487% | 1,956 |
| Retained earnings to average equity (ytd only) | 9.3119% | 955 |
| Net charge-offs to loans | 0.0336% | 2,398 |
| Credit loss provision to net charge-offs | 389.6923% | 781 |
| Earnings coverage of net charge-offs (x) | 76.9734% | 880 |
| Efficiency ratio | 56.6844% | 4,096 |
| Assets per employee ($millions) | 6.8098% | 1,111 |
| Cash dividends to net income (ytd only)* | 16.4753% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 3,801 |
| Loan loss allowance to noncurrent loans | 2,239.5797% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 4,558 |
| Noncurrent loans to loans | 0.0427% | 4,457 |
| Net loans and leases to total assets | 77.2482% | 1,273 |
| Net loans and leases to deposits | 95.0634% | 1,117 |
| Net loans and leases to core deposits | 103.2089% | 1,394 |
| Total domestic deposits to total assets | 81.2596% | 3,676 |
| Equity capital to assets | 14.0917% | 1,116 |
| Core capital (leverage) ratio | 11.9737% | 1,869 |
| Tier 1 risk-based capital ratio | 13.5656% | 3,532 |
| Total risk-based capital ratio | 14.4543% | 3,646 |
| Memoranda: | ||
| Average total assets | $3,344,053,500 | 301 |
| Average earning assets | $3,032,163,250 | 299 |
| Average equity | $464,567,750 | 260 |
| Average total loans | $2,578,226,000 | 283 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 1,388 |
| Cost of funding earning assets | 0.5320% | 3,974 |
| Net interest margin | 4.5009% | 768 |
| Noninterest income to average assets | 0.6513% | 1,911 |
| Noninterest expense to average assets | 2.7345% | 2,802 |
| Loan and lease loss provision to assets | 0.1179% | 1,590 |
| Net operating income to assets | 1.5356% | 1,045 |
| Return on assets (ROA) | 1.5357% | 1,098 |
| Pretax return on assets | 1.8799% | 867 |
| Return on Equity (ROE) | 11.1093% | 1,934 |
| Retained earnings to average equity (ytd only) | 9.4070% | 931 |
| Net charge-offs to loans | 0.0240% | 2,369 |
| Credit loss provision to net charge-offs | 640.6557% | 500 |
| Earnings coverage of net charge-offs (x) | 108.5475% | 656 |
| Efficiency ratio | 57.2041% | 4,107 |
| Assets per employee ($millions) | 6.6532% | 1,160 |
| Cash dividends to net income (ytd only)* | 15.3230% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,840 |
| Loan loss allowance to noncurrent loans | 773.0933% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 4,265 |
| Noncurrent loans to loans | 0.1240% | 4,121 |
| Net loans and leases to total assets | 77.4706% | 1,319 |
| Net loans and leases to deposits | 94.0734% | 1,252 |
| Net loans and leases to core deposits | 102.1378% | 1,541 |
| Total domestic deposits to total assets | 82.3512% | 3,427 |
| Equity capital to assets | 13.9608% | 1,132 |
| Core capital (leverage) ratio | 11.8531% | 1,913 |
| Tier 1 risk-based capital ratio | 13.2831% | 3,701 |
| Total risk-based capital ratio | 14.1702% | 3,780 |
| Memoranda: | ||
| Average total assets | $3,314,699,000 | 302 |
| Average earning assets | $3,005,359,670 | 302 |
| Average equity | $458,209,670 | 264 |
| Average total loans | $2,545,360,330 | 285 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 1,417 |
| Cost of funding earning assets | 0.4904% | 4,107 |
| Net interest margin | 4.4789% | 770 |
| Noninterest income to average assets | 0.4255% | 3,010 |
| Noninterest expense to average assets | 2.7086% | 2,881 |
| Loan and lease loss provision to assets | 0.1398% | 1,231 |
| Net operating income to assets | 1.3195% | 1,630 |
| Return on assets (ROA) | 1.3197% | 1,672 |
| Pretax return on assets | 1.6394% | 1,371 |
| Return on Equity (ROE) | 9.5961% | 2,553 |
| Retained earnings to average equity (ytd only) | 7.8681% | 1,715 |
| Net charge-offs to loans | 0.0316% | 1,816 |
| Credit loss provision to net charge-offs | 582.2335% | 552 |
| Earnings coverage of net charge-offs (x) | 74.0914% | 814 |
| Efficiency ratio | 59.7295% | 3,847 |
| Assets per employee ($millions) | 6.6480% | 1,171 |
| Cash dividends to net income (ytd only)* | 18.0072% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,881 |
| Loan loss allowance to noncurrent loans | 839.9114% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 4,367 |
| Noncurrent loans to loans | 0.1153% | 4,222 |
| Net loans and leases to total assets | 76.7614% | 1,357 |
| Net loans and leases to deposits | 90.1864% | 1,602 |
| Net loans and leases to core deposits | 98.1858% | 1,756 |
| Total domestic deposits to total assets | 85.1142% | 2,639 |
| Equity capital to assets | 13.9164% | 1,072 |
| Core capital (leverage) ratio | 11.7189% | 1,964 |
| Tier 1 risk-based capital ratio | 13.0681% | 3,845 |
| Total risk-based capital ratio | 13.9465% | 3,935 |
| Memoranda: | ||
| Average total assets | $3,282,146,000 | 306 |
| Average earning assets | $2,976,639,000 | 305 |
| Average equity | $451,390,500 | 267 |
| Average total loans | $2,496,192,000 | 292 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 1,651 |
| Cost of funding earning assets | 0.3743% | 4,134 |
| Net interest margin | 4.3841% | 974 |
| Noninterest income to average assets | 0.4577% | 3,062 |
| Noninterest expense to average assets | 2.5641% | 3,427 |
| Loan and lease loss provision to assets | -0.0558% | 5,207 |
| Net operating income to assets | 1.5520% | 989 |
| Return on assets (ROA) | 1.5528% | 981 |
| Pretax return on assets | 1.9220% | 674 |
| Return on Equity (ROE) | 11.5369% | 1,886 |
| Retained earnings to average equity (ytd only) | 9.6942% | 681 |
| Net charge-offs to loans | -0.0280% | 4,792 |
| Credit loss provision to net charge-offs | 261.6990% | 1,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1854% | 4,268 |
| Assets per employee ($millions) | 6.6267% | 1,155 |
| Cash dividends to net income (ytd only)* | 15.9722% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 3,869 |
| Loan loss allowance to noncurrent loans | 678.8825% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,295 |
| Noncurrent loans to loans | 0.1426% | 4,101 |
| Net loans and leases to total assets | 73.8715% | 1,959 |
| Net loans and leases to deposits | 86.1752% | 2,247 |
| Net loans and leases to core deposits | 93.1993% | 2,298 |
| Total domestic deposits to total assets | 85.7224% | 2,356 |
| Equity capital to assets | 13.5892% | 1,114 |
| Core capital (leverage) ratio | 11.4060% | 2,174 |
| Tier 1 risk-based capital ratio | 13.1916% | 3,729 |
| Total risk-based capital ratio | 14.0660% | 3,840 |
| Memoranda: | ||
| Average total assets | $3,145,024,200 | 310 |
| Average earning assets | $2,849,104,200 | 308 |
| Average equity | $423,294,000 | 273 |
| Average total loans | $2,396,853,200 | 296 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 1,750 |
| Cost of funding earning assets | 0.3366% | 4,263 |
| Net interest margin | 4.3382% | 1,041 |
| Noninterest income to average assets | 0.4517% | 3,158 |
| Noninterest expense to average assets | 2.5427% | 3,466 |
| Loan and lease loss provision to assets | 0.0177% | 3,660 |
| Net operating income to assets | 1.4716% | 1,268 |
| Return on assets (ROA) | 1.4725% | 1,266 |
| Pretax return on assets | 1.8191% | 972 |
| Return on Equity (ROE) | 10.9683% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.1009% | 1,181 |
| Net charge-offs to loans | 0.0394% | 2,297 |
| Credit loss provision to net charge-offs | 58.5816% | 2,759 |
| Earnings coverage of net charge-offs (x) | 60.7615% | 1,057 |
| Efficiency ratio | 57.3446% | 4,208 |
| Assets per employee ($millions) | 6.5237% | 1,174 |
| Cash dividends to net income (ytd only)* | 17.0256% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 3,808 |
| Loan loss allowance to noncurrent loans | 437.0939% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 4,038 |
| Noncurrent loans to loans | 0.2274% | 3,891 |
| Net loans and leases to total assets | 76.4588% | 1,588 |
| Net loans and leases to deposits | 89.0503% | 2,013 |
| Net loans and leases to core deposits | 96.5061% | 2,067 |
| Total domestic deposits to total assets | 85.8603% | 2,255 |
| Equity capital to assets | 13.4991% | 1,134 |
| Core capital (leverage) ratio | 11.3024% | 2,332 |
| Tier 1 risk-based capital ratio | 12.7903% | 4,028 |
| Total risk-based capital ratio | 13.6981% | 4,113 |
| Memoranda: | ||
| Average total assets | $3,111,231,000 | 311 |
| Average earning assets | $2,816,132,250 | 311 |
| Average equity | $417,679,000 | 273 |
| Average total loans | $2,384,360,750 | 293 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 1,796 |
| Cost of funding earning assets | 0.2930% | 4,464 |
| Net interest margin | 4.3018% | 1,031 |
| Noninterest income to average assets | 0.4569% | 3,111 |
| Noninterest expense to average assets | 2.5731% | 3,405 |
| Loan and lease loss provision to assets | 0.1008% | 1,932 |
| Net operating income to assets | 1.3600% | 1,570 |
| Return on assets (ROA) | 1.3600% | 1,574 |
| Pretax return on assets | 1.6746% | 1,285 |
| Return on Equity (ROE) | 10.1500% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.2630% | 1,514 |
| Net charge-offs to loans | 0.0498% | 1,891 |
| Credit loss provision to net charge-offs | 264.9063% | 1,100 |
| Earnings coverage of net charge-offs (x) | 46.6525% | 1,179 |
| Efficiency ratio | 58.4271% | 4,166 |
| Assets per employee ($millions) | 6.3531% | 1,240 |
| Cash dividends to net income (ytd only)* | 18.5909% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,428 |
| Loan loss allowance to noncurrent loans | 537.1584% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 4,219 |
| Noncurrent loans to loans | 0.1993% | 4,009 |
| Net loans and leases to total assets | 76.7319% | 1,522 |
| Net loans and leases to deposits | 91.2308% | 1,679 |
| Net loans and leases to core deposits | 99.1699% | 1,800 |
| Total domestic deposits to total assets | 84.1074% | 3,024 |
| Equity capital to assets | 13.5704% | 1,077 |
| Core capital (leverage) ratio | 11.3287% | 2,227 |
| Tier 1 risk-based capital ratio | 12.5769% | 4,136 |
| Total risk-based capital ratio | 13.5467% | 4,191 |
| Memoranda: | ||
| Average total assets | $3,084,948,670 | 310 |
| Average earning assets | $2,790,860,330 | 311 |
| Average equity | $413,361,330 | 271 |
| Average total loans | $2,357,953,670 | 295 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 2,002 |
| Cost of funding earning assets | 0.2799% | 4,509 |
| Net interest margin | 4.1775% | 1,225 |
| Noninterest income to average assets | 0.4507% | 3,105 |
| Noninterest expense to average assets | 2.5866% | 3,373 |
| Loan and lease loss provision to assets | 0.1124% | 1,677 |
| Net operating income to assets | 1.2468% | 1,818 |
| Return on assets (ROA) | 1.2468% | 1,830 |
| Pretax return on assets | 1.5333% | 1,589 |
| Return on Equity (ROE) | 9.3654% | 2,735 |
| Retained earnings to average equity (ytd only) | 7.4615% | 2,072 |
| Net charge-offs to loans | 0.0504% | 1,593 |
| Credit loss provision to net charge-offs | 294.2177% | 833 |
| Earnings coverage of net charge-offs (x) | 43.0646% | 1,026 |
| Efficiency ratio | 60.3317% | 4,023 |
| Assets per employee ($millions) | 6.4468% | 1,229 |
| Cash dividends to net income (ytd only)* | 20.3294% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,522 |
| Loan loss allowance to noncurrent loans | 439.4002% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 4,094 |
| Noncurrent loans to loans | 0.2448% | 3,888 |
| Net loans and leases to total assets | 75.7962% | 1,571 |
| Net loans and leases to deposits | 88.1057% | 1,917 |
| Net loans and leases to core deposits | 94.2113% | 2,120 |
| Total domestic deposits to total assets | 86.0288% | 2,530 |
| Equity capital to assets | 13.3996% | 1,072 |
| Core capital (leverage) ratio | 11.0318% | 2,409 |
| Tier 1 risk-based capital ratio | 12.6218% | 4,161 |
| Total risk-based capital ratio | 13.6083% | 4,228 |
| Memoranda: | ||
| Average total assets | $3,077,254,500 | 312 |
| Average earning assets | $2,785,680,500 | 311 |
| Average equity | $409,678,000 | 276 |
| Average total loans | $2,334,584,500 | 294 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 2,194 |
| Cost of funding earning assets | 0.2856% | 4,271 |
| Net interest margin | 4.0600% | 1,563 |
| Noninterest income to average assets | 0.4894% | 3,064 |
| Noninterest expense to average assets | 2.6081% | 3,419 |
| Loan and lease loss provision to assets | -0.0114% | 5,307 |
| Net operating income to assets | 0.9543% | 2,427 |
| Return on assets (ROA) | 0.9549% | 2,457 |
| Pretax return on assets | 1.5539% | 1,439 |
| Return on Equity (ROE) | 7.1340% | 3,207 |
| Retained earnings to average equity (ytd only) | 4.9045% | 2,188 |
| Net charge-offs to loans | -0.0050% | 4,640 |
| Credit loss provision to net charge-offs | 304.5045% | 925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9765% | 3,944 |
| Assets per employee ($millions) | 6.6654% | 1,119 |
| Cash dividends to net income (ytd only)* | 31.2511% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,499 |
| Loan loss allowance to noncurrent loans | 324.0649% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 3,803 |
| Noncurrent loans to loans | 0.3306% | 3,585 |
| Net loans and leases to total assets | 74.3075% | 1,871 |
| Net loans and leases to deposits | 86.3652% | 2,214 |
| Net loans and leases to core deposits | 92.6247% | 2,313 |
| Total domestic deposits to total assets | 86.0387% | 2,416 |
| Equity capital to assets | 13.2268% | 1,155 |
| Core capital (leverage) ratio | 10.8009% | 2,536 |
| Tier 1 risk-based capital ratio | 12.6685% | 4,107 |
| Total risk-based capital ratio | 13.6569% | 4,167 |
| Memoranda: | ||
| Average total assets | $2,974,020,600 | 309 |
| Average earning assets | $2,681,252,200 | 307 |
| Average equity | $398,081,400 | 271 |
| Average total loans | $2,215,955,800 | 295 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 2,196 |
| Cost of funding earning assets | 0.2842% | 4,276 |
| Net interest margin | 4.0413% | 1,566 |
| Noninterest income to average assets | 0.5116% | 2,963 |
| Noninterest expense to average assets | 2.5424% | 3,590 |
| Loan and lease loss provision to assets | -0.0628% | 5,541 |
| Net operating income to assets | 1.1650% | 1,823 |
| Return on assets (ROA) | 1.1659% | 1,865 |
| Pretax return on assets | 1.6756% | 1,180 |
| Return on Equity (ROE) | 8.6832% | 2,771 |
| Retained earnings to average equity (ytd only) | 5.6933% | 2,433 |
| Net charge-offs to loans | -0.0085% | 4,589 |
| Credit loss provision to net charge-offs | 991.4286% | 363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3129% | 4,161 |
| Assets per employee ($millions) | 6.4371% | 1,220 |
| Cash dividends to net income (ytd only)* | 34.4326% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,598 |
| Loan loss allowance to noncurrent loans | 276.5014% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 3,754 |
| Noncurrent loans to loans | 0.3906% | 3,554 |
| Net loans and leases to total assets | 72.8598% | 2,120 |
| Net loans and leases to deposits | 84.9813% | 2,438 |
| Net loans and leases to core deposits | 91.8282% | 2,456 |
| Total domestic deposits to total assets | 85.7362% | 2,415 |
| Equity capital to assets | 13.5658% | 1,127 |
| Core capital (leverage) ratio | 11.0901% | 2,382 |
| Tier 1 risk-based capital ratio | 13.2395% | 3,854 |
| Total risk-based capital ratio | 14.2370% | 3,924 |
| Memoranda: | ||
| Average total assets | $2,947,676,000 | 314 |
| Average earning assets | $2,656,648,250 | 310 |
| Average equity | $395,775,500 | 271 |
| Average total loans | $2,191,694,000 | 294 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 2,186 |
| Cost of funding earning assets | 0.2796% | 4,296 |
| Net interest margin | 4.0040% | 1,592 |
| Noninterest income to average assets | 0.4866% | 3,107 |
| Noninterest expense to average assets | 2.5361% | 3,625 |
| Loan and lease loss provision to assets | 0.1091% | 1,871 |
| Net operating income to assets | 1.0250% | 2,312 |
| Return on assets (ROA) | 1.0256% | 2,353 |
| Pretax return on assets | 1.4518% | 1,815 |
| Return on Equity (ROE) | 7.6707% | 3,212 |
| Retained earnings to average equity (ytd only) | 4.9945% | 2,713 |
| Net charge-offs to loans | 0.0077% | 3,179 |
| Credit loss provision to net charge-offs | 1,904.7619% | 221 |
| Earnings coverage of net charge-offs (x) | 272.4643% | 317 |
| Efficiency ratio | 60.9991% | 4,166 |
| Assets per employee ($millions) | 6.2274% | 1,299 |
| Cash dividends to net income (ytd only)* | 34.8884% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 2,962 |
| Loan loss allowance to noncurrent loans | 321.2720% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 3,807 |
| Noncurrent loans to loans | 0.3764% | 3,676 |
| Net loans and leases to total assets | 73.7063% | 1,925 |
| Net loans and leases to deposits | 85.8596% | 2,241 |
| Net loans and leases to core deposits | 92.9509% | 2,253 |
| Total domestic deposits to total assets | 85.8452% | 2,450 |
| Equity capital to assets | 13.5374% | 1,130 |
| Core capital (leverage) ratio | 11.0836% | 2,329 |
| Tier 1 risk-based capital ratio | 13.0823% | 3,950 |
| Total risk-based capital ratio | 14.2063% | 3,946 |
| Memoranda: | ||
| Average total assets | $2,934,340,330 | 317 |
| Average earning assets | $2,645,237,670 | 315 |
| Average equity | $392,350,000 | 274 |
| Average total loans | $2,188,944,000 | 295 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 2,201 |
| Cost of funding earning assets | 0.2778% | 4,274 |
| Net interest margin | 3.9444% | 1,624 |
| Noninterest income to average assets | 0.4823% | 3,093 |
| Noninterest expense to average assets | 2.5098% | 3,781 |
| Loan and lease loss provision to assets | 0.1310% | 1,463 |
| Net operating income to assets | 0.9781% | 2,404 |
| Return on assets (ROA) | 0.9781% | 2,456 |
| Pretax return on assets | 1.4059% | 1,870 |
| Return on Equity (ROE) | 7.3609% | 3,230 |
| Retained earnings to average equity (ytd only) | 4.6657% | 3,081 |
| Net charge-offs to loans | 0.0154% | 2,495 |
| Credit loss provision to net charge-offs | 1,142.8571% | 280 |
| Earnings coverage of net charge-offs (x) | 134.1071% | 409 |
| Efficiency ratio | 61.0836% | 4,303 |
| Assets per employee ($millions) | 6.3885% | 1,241 |
| Cash dividends to net income (ytd only)* | 36.6160% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 3,324 |
| Loan loss allowance to noncurrent loans | 426.7271% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 4,214 |
| Noncurrent loans to loans | 0.2734% | 4,128 |
| Net loans and leases to total assets | 75.2599% | 1,539 |
| Net loans and leases to deposits | 87.5656% | 1,853 |
| Net loans and leases to core deposits | 94.2148% | 1,969 |
| Total domestic deposits to total assets | 85.9469% | 2,694 |
| Equity capital to assets | 13.4548% | 1,085 |
| Core capital (leverage) ratio | 10.8710% | 2,516 |
| Tier 1 risk-based capital ratio | 12.4755% | 4,405 |
| Total risk-based capital ratio | 13.5400% | 4,418 |
| Memoranda: | ||
| Average total assets | $2,931,839,000 | 320 |
| Average earning assets | $2,649,438,000 | 317 |
| Average equity | $389,570,000 | 271 |
| Average total loans | $2,186,914,500 | 296 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2369% | 2,362 |
| Cost of funding earning assets | 0.2719% | 4,343 |
| Net interest margin | 3.9650% | 1,742 |
| Noninterest income to average assets | 0.5416% | 2,968 |
| Noninterest expense to average assets | 2.5386% | 3,879 |
| Loan and lease loss provision to assets | 0.1583% | 1,570 |
| Net operating income to assets | 0.9826% | 2,426 |
| Return on assets (ROA) | 0.9833% | 2,525 |
| Pretax return on assets | 1.4160% | 1,875 |
| Return on Equity (ROE) | 7.4722% | 3,233 |
| Retained earnings to average equity (ytd only) | 4.2520% | 2,882 |
| Net charge-offs to loans | 0.2287% | 1,214 |
| Credit loss provision to net charge-offs | 93.6540% | 2,733 |
| Earnings coverage of net charge-offs (x) | 9.3105% | 2,763 |
| Efficiency ratio | 60.7556% | 4,460 |
| Assets per employee ($millions) | 6.1597% | 1,360 |
| Cash dividends to net income (ytd only)* | 43.0959% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 3,367 |
| Loan loss allowance to noncurrent loans | 400.7212% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 4,317 |
| Noncurrent loans to loans | 0.2895% | 4,114 |
| Net loans and leases to total assets | 72.2077% | 2,142 |
| Net loans and leases to deposits | 83.6792% | 2,457 |
| Net loans and leases to core deposits | 89.3360% | 2,566 |
| Total domestic deposits to total assets | 86.2911% | 2,463 |
| Equity capital to assets | 13.1225% | 1,211 |
| Core capital (leverage) ratio | 10.5877% | 2,788 |
| Tier 1 risk-based capital ratio | 12.7625% | 4,223 |
| Total risk-based capital ratio | 13.8274% | 4,232 |
| Memoranda: | ||
| Average total assets | $2,890,830,800 | 307 |
| Average earning assets | $2,603,064,200 | 305 |
| Average equity | $380,411,000 | 266 |
| Average total loans | $2,136,057,200 | 295 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 2,390 |
| Cost of funding earning assets | 0.2660% | 4,431 |
| Net interest margin | 3.9700% | 1,743 |
| Noninterest income to average assets | 0.5201% | 3,116 |
| Noninterest expense to average assets | 2.5397% | 3,863 |
| Loan and lease loss provision to assets | 0.1820% | 1,215 |
| Net operating income to assets | 0.9534% | 2,633 |
| Return on assets (ROA) | 0.9543% | 2,775 |
| Pretax return on assets | 1.3713% | 2,156 |
| Return on Equity (ROE) | 7.2467% | 3,429 |
| Retained earnings to average equity (ytd only) | 3.5501% | 3,771 |
| Net charge-offs to loans | 0.1341% | 1,630 |
| Credit loss provision to net charge-offs | 183.0690% | 1,536 |
| Earnings coverage of net charge-offs (x) | 15.6133% | 2,170 |
| Efficiency ratio | 61.0694% | 4,378 |
| Assets per employee ($millions) | 6.1820% | 1,311 |
| Cash dividends to net income (ytd only)* | 51.0105% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 2,966 |
| Loan loss allowance to noncurrent loans | 238.6682% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 3,641 |
| Noncurrent loans to loans | 0.5232% | 3,426 |
| Net loans and leases to total assets | 72.9777% | 2,026 |
| Net loans and leases to deposits | 84.6230% | 2,415 |
| Net loans and leases to core deposits | 90.3486% | 2,544 |
| Total domestic deposits to total assets | 86.2387% | 2,245 |
| Equity capital to assets | 13.0879% | 1,451 |
| Core capital (leverage) ratio | 10.5828% | 2,892 |
| Tier 1 risk-based capital ratio | 12.3593% | 4,567 |
| Total risk-based capital ratio | 13.5058% | 4,536 |
| Memoranda: | ||
| Average total assets | $2,875,912,000 | 304 |
| Average earning assets | $2,587,286,750 | 306 |
| Average equity | $378,719,000 | 265 |
| Average total loans | $2,131,197,000 | 293 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 2,368 |
| Cost of funding earning assets | 0.2580% | 4,570 |
| Net interest margin | 3.9809% | 1,700 |
| Noninterest income to average assets | 0.5402% | 2,952 |
| Noninterest expense to average assets | 2.5725% | 3,812 |
| Loan and lease loss provision to assets | 0.1891% | 1,150 |
| Net operating income to assets | 0.9463% | 2,638 |
| Return on assets (ROA) | 0.9476% | 2,776 |
| Pretax return on assets | 1.3591% | 2,171 |
| Return on Equity (ROE) | 7.1810% | 3,439 |
| Retained earnings to average equity (ytd only) | 2.4047% | 4,353 |
| Net charge-offs to loans | 0.1226% | 1,613 |
| Credit loss provision to net charge-offs | 207.8522% | 1,261 |
| Earnings coverage of net charge-offs (x) | 16.9962% | 1,901 |
| Efficiency ratio | 61.4487% | 4,436 |
| Assets per employee ($millions) | 5.9807% | 1,418 |
| Cash dividends to net income (ytd only)* | 66.5139% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 3,136 |
| Loan loss allowance to noncurrent loans | 232.8192% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 3,625 |
| Noncurrent loans to loans | 0.5325% | 3,483 |
| Net loans and leases to total assets | 74.1393% | 1,814 |
| Net loans and leases to deposits | 86.0792% | 2,246 |
| Net loans and leases to core deposits | 92.0932% | 2,344 |
| Total domestic deposits to total assets | 86.1292% | 2,360 |
| Equity capital to assets | 13.2115% | 1,382 |
| Core capital (leverage) ratio | 10.6425% | 2,802 |
| Tier 1 risk-based capital ratio | 12.0062% | 4,825 |
| Total risk-based capital ratio | 13.1261% | 4,811 |
| Memoranda: | ||
| Average total assets | $2,855,740,000 | 305 |
| Average earning assets | $2,567,046,670 | 306 |
| Average equity | $376,853,000 | 268 |
| Average total loans | $2,118,251,330 | 292 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 2,498 |
| Cost of funding earning assets | 0.2488% | 4,721 |
| Net interest margin | 3.9442% | 1,801 |
| Noninterest income to average assets | 0.5912% | 2,586 |
| Noninterest expense to average assets | 2.5334% | 3,970 |
| Loan and lease loss provision to assets | 0.2423% | 742 |
| Net operating income to assets | 0.9568% | 2,477 |
| Return on assets (ROA) | 0.9568% | 2,597 |
| Pretax return on assets | 1.3649% | 2,023 |
| Return on Equity (ROE) | 7.2547% | 3,314 |
| Retained earnings to average equity (ytd only) | 4.0602% | 3,460 |
| Net charge-offs to loans | 0.0701% | 1,781 |
| Credit loss provision to net charge-offs | 468.7500% | 638 |
| Earnings coverage of net charge-offs (x) | 31.0978% | 1,165 |
| Efficiency ratio | 60.1703% | 4,721 |
| Assets per employee ($millions) | 5.9398% | 1,448 |
| Cash dividends to net income (ytd only)* | 44.0335% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 3,078 |
| Loan loss allowance to noncurrent loans | 195.8009% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 3,511 |
| Noncurrent loans to loans | 0.6468% | 3,232 |
| Net loans and leases to total assets | 73.8517% | 1,747 |
| Net loans and leases to deposits | 86.1363% | 2,052 |
| Net loans and leases to core deposits | 91.9476% | 2,188 |
| Total domestic deposits to total assets | 85.7382% | 2,791 |
| Equity capital to assets | 13.4240% | 1,211 |
| Core capital (leverage) ratio | 10.6463% | 2,799 |
| Tier 1 risk-based capital ratio | 12.1653% | 4,800 |
| Total risk-based capital ratio | 13.3027% | 4,798 |
| Memoranda: | ||
| Average total assets | $2,848,241,000 | 300 |
| Average earning assets | $2,563,024,500 | 299 |
| Average equity | $375,645,500 | 269 |
| Average total loans | $2,099,846,000 | 288 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 2,858 |
| Cost of funding earning assets | 0.2527% | 4,754 |
| Net interest margin | 3.8620% | 2,155 |
| Noninterest income to average assets | 0.4845% | 3,437 |
| Noninterest expense to average assets | 2.4577% | 4,364 |
| Loan and lease loss provision to assets | 0.2431% | 785 |
| Net operating income to assets | 0.8750% | 3,000 |
| Return on assets (ROA) | 0.8750% | 3,081 |
| Pretax return on assets | 1.2604% | 2,433 |
| Return on Equity (ROE) | 6.8679% | 3,582 |
| Retained earnings to average equity (ytd only) | -1.4795% | 5,708 |
| Net charge-offs to loans | 0.3159% | 954 |
| Credit loss provision to net charge-offs | 105.5109% | 2,384 |
| Earnings coverage of net charge-offs (x) | 6.5245% | 3,210 |
| Efficiency ratio | 60.8916% | 4,773 |
| Assets per employee ($millions) | 5.9896% | 1,398 |
| Cash dividends to net income (ytd only)* | 121.5417% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,428 |
| Loan loss allowance to noncurrent loans | 183.2694% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 3,574 |
| Noncurrent loans to loans | 0.6597% | 3,212 |
| Net loans and leases to total assets | 71.7953% | 2,089 |
| Net loans and leases to deposits | 83.0572% | 2,466 |
| Net loans and leases to core deposits | 87.1374% | 2,680 |
| Total domestic deposits to total assets | 86.4408% | 2,413 |
| Equity capital to assets | 12.9587% | 1,372 |
| Core capital (leverage) ratio | 10.1317% | 3,349 |
| Tier 1 risk-based capital ratio | 12.1168% | 4,878 |
| Total risk-based capital ratio | 13.2027% | 4,883 |
| Memoranda: | ||
| Average total assets | $2,858,429,600 | 291 |
| Average earning assets | $2,573,328,800 | 288 |
| Average equity | $364,188,400 | 264 |
| Average total loans | $2,085,265,400 | 274 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,935 |
| Cost of funding earning assets | 0.2493% | 4,886 |
| Net interest margin | 3.8501% | 2,187 |
| Noninterest income to average assets | 0.4788% | 3,511 |
| Noninterest expense to average assets | 2.5008% | 4,188 |
| Loan and lease loss provision to assets | 0.2197% | 864 |
| Net operating income to assets | 0.8580% | 3,133 |
| Return on assets (ROA) | 0.8580% | 3,224 |
| Pretax return on assets | 1.2234% | 2,716 |
| Return on Equity (ROE) | 6.7638% | 3,748 |
| Retained earnings to average equity (ytd only) | -3.9756% | 5,988 |
| Net charge-offs to loans | 0.0976% | 2,177 |
| Credit loss provision to net charge-offs | 308.1967% | 941 |
| Earnings coverage of net charge-offs (x) | 20.2472% | 1,882 |
| Efficiency ratio | 62.2295% | 4,531 |
| Assets per employee ($millions) | 5.7955% | 1,511 |
| Cash dividends to net income (ytd only)* | 158.7778% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 2,767 |
| Loan loss allowance to noncurrent loans | 143.9752% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7302% | 3,081 |
| Noncurrent loans to loans | 0.9474% | 2,606 |
| Net loans and leases to total assets | 71.6256% | 2,118 |
| Net loans and leases to deposits | 82.9246% | 2,538 |
| Net loans and leases to core deposits | 87.1309% | 2,739 |
| Total domestic deposits to total assets | 86.3744% | 2,348 |
| Equity capital to assets | 12.9931% | 1,448 |
| Core capital (leverage) ratio | 10.1905% | 3,386 |
| Tier 1 risk-based capital ratio | 11.9383% | 5,114 |
| Total risk-based capital ratio | 13.1501% | 5,063 |
| Memoranda: | ||
| Average total assets | $2,852,786,500 | 295 |
| Average earning assets | $2,567,562,500 | 296 |
| Average equity | $361,900,500 | 270 |
| Average total loans | $2,083,146,750 | 277 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 2,743 |
| Cost of funding earning assets | 0.2440% | 5,010 |
| Net interest margin | 3.8995% | 1,980 |
| Noninterest income to average assets | 0.5249% | 3,197 |
| Noninterest expense to average assets | 2.4994% | 4,247 |
| Loan and lease loss provision to assets | 0.2970% | 521 |
| Net operating income to assets | 0.8742% | 3,020 |
| Return on assets (ROA) | 0.8742% | 3,127 |
| Pretax return on assets | 1.2380% | 2,615 |
| Return on Equity (ROE) | 7.0960% | 3,555 |
| Retained earnings to average equity (ytd only) | -10.5542% | 6,185 |
| Net charge-offs to loans | 0.0712% | 2,371 |
| Credit loss provision to net charge-offs | 570.8955% | 574 |
| Earnings coverage of net charge-offs (x) | 29.5030% | 1,376 |
| Efficiency ratio | 60.8081% | 4,860 |
| Assets per employee ($millions) | 5.4898% | 1,751 |
| Cash dividends to net income (ytd only)* | 248.7341% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 2,354 |
| Loan loss allowance to noncurrent loans | 138.5195% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 2,907 |
| Noncurrent loans to loans | 1.0728% | 2,499 |
| Net loans and leases to total assets | 72.6805% | 1,868 |
| Net loans and leases to deposits | 83.2914% | 2,398 |
| Net loans and leases to core deposits | 87.9740% | 2,556 |
| Total domestic deposits to total assets | 87.2605% | 2,032 |
| Equity capital to assets | 12.1692% | 1,899 |
| Core capital (leverage) ratio | 9.9952% | 3,611 |
| Tier 1 risk-based capital ratio | 11.5196% | 5,449 |
| Total risk-based capital ratio | 12.7705% | 5,371 |
| Memoranda: | ||
| Average total assets | $2,575,469,000 | 315 |
| Average earning assets | $2,317,911,000 | 314 |
| Average equity | $317,276,330 | 298 |
| Average total loans | $1,882,910,670 | 300 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0785% | 2,922 |
| Cost of funding earning assets | 0.2502% | 5,021 |
| Net interest margin | 3.8283% | 2,137 |
| Noninterest income to average assets | 0.4759% | 3,459 |
| Noninterest expense to average assets | 2.4849% | 4,313 |
| Loan and lease loss provision to assets | 0.4261% | 257 |
| Net operating income to assets | 0.7260% | 3,663 |
| Return on assets (ROA) | 0.7260% | 3,801 |
| Pretax return on assets | 1.0125% | 3,447 |
| Return on Equity (ROE) | 5.8577% | 4,106 |
| Retained earnings to average equity (ytd only) | -27.9006% | 6,332 |
| Net charge-offs to loans | 0.1097% | 1,646 |
| Credit loss provision to net charge-offs | 533.9806% | 512 |
| Earnings coverage of net charge-offs (x) | 18.0272% | 1,500 |
| Efficiency ratio | 62.0972% | 4,778 |
| Assets per employee ($millions) | 5.4940% | 1,797 |
| Cash dividends to net income (ytd only)* | 576.3074% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 2,701 |
| Loan loss allowance to noncurrent loans | 126.1051% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 2,851 |
| Noncurrent loans to loans | 1.1468% | 2,474 |
| Net loans and leases to total assets | 73.1508% | 1,628 |
| Net loans and leases to deposits | 83.9398% | 2,086 |
| Net loans and leases to core deposits | 89.0390% | 2,218 |
| Total domestic deposits to total assets | 87.1468% | 2,290 |
| Equity capital to assets | 12.1283% | 1,938 |
| Core capital (leverage) ratio | 9.6757% | 4,044 |
| Tier 1 risk-based capital ratio | 11.1936% | 5,716 |
| Total risk-based capital ratio | 12.4442% | 5,630 |
| Memoranda: | ||
| Average total assets | $2,581,331,500 | 313 |
| Average earning assets | $2,324,670,500 | 314 |
| Average equity | $319,921,500 | 294 |
| Average total loans | $1,878,641,500 | 295 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 2,802 |
| Cost of funding earning assets | 0.2715% | 5,077 |
| Net interest margin | 3.9728% | 1,965 |
| Noninterest income to average assets | 0.5344% | 3,277 |
| Noninterest expense to average assets | 2.5817% | 4,289 |
| Loan and lease loss provision to assets | 0.1490% | 1,757 |
| Net operating income to assets | 0.9354% | 2,698 |
| Return on assets (ROA) | 0.9368% | 2,783 |
| Pretax return on assets | 1.3689% | 2,007 |
| Return on Equity (ROE) | 7.3507% | 3,438 |
| Retained earnings to average equity (ytd only) | 6.7300% | 1,528 |
| Net charge-offs to loans | 0.1459% | 2,580 |
| Credit loss provision to net charge-offs | 141.7388% | 1,676 |
| Earnings coverage of net charge-offs (x) | 14.4249% | 2,166 |
| Efficiency ratio | 61.6938% | 4,955 |
| Assets per employee ($millions) | 5.6925% | 1,612 |
| Cash dividends to net income (ytd only)* | 8.4442% | 4,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 3,274 |
| Loan loss allowance to noncurrent loans | 107.7561% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.9287% | 2,894 |
| Noncurrent loans to loans | 1.2334% | 2,389 |
| Net loans and leases to total assets | 70.4364% | 2,168 |
| Net loans and leases to deposits | 81.3578% | 2,559 |
| Net loans and leases to core deposits | 86.2195% | 2,662 |
| Total domestic deposits to total assets | 86.5761% | 2,523 |
| Equity capital to assets | 12.6492% | 1,568 |
| Core capital (leverage) ratio | 10.4035% | 3,058 |
| Tier 1 risk-based capital ratio | 13.0358% | 4,709 |
| Total risk-based capital ratio | 14.2860% | 4,620 |
| Memoranda: | ||
| Average total assets | $2,528,348,600 | 300 |
| Average earning assets | $2,267,722,800 | 300 |
| Average equity | $322,214,200 | 282 |
| Average total loans | $1,820,574,400 | 287 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 2,641 |
| Cost of funding earning assets | 0.2766% | 5,133 |
| Net interest margin | 4.0218% | 1,818 |
| Noninterest income to average assets | 0.5405% | 3,257 |
| Noninterest expense to average assets | 2.6369% | 4,069 |
| Loan and lease loss provision to assets | 0.1276% | 1,963 |
| Net operating income to assets | 0.9370% | 2,746 |
| Return on assets (ROA) | 0.9388% | 2,826 |
| Pretax return on assets | 1.3786% | 2,087 |
| Return on Equity (ROE) | 7.3523% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.3523% | 1,647 |
| Net charge-offs to loans | 0.0760% | 3,116 |
| Credit loss provision to net charge-offs | 232.6214% | 1,119 |
| Earnings coverage of net charge-offs (x) | 27.4039% | 1,449 |
| Efficiency ratio | 62.3348% | 4,841 |
| Assets per employee ($millions) | 5.5640% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 3,338 |
| Loan loss allowance to noncurrent loans | 187.5670% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 4,023 |
| Noncurrent loans to loans | 0.7262% | 3,786 |
| Net loans and leases to total assets | 71.4778% | 1,940 |
| Net loans and leases to deposits | 82.6081% | 2,344 |
| Net loans and leases to core deposits | 87.3407% | 2,501 |
| Total domestic deposits to total assets | 86.5264% | 2,577 |
| Equity capital to assets | 12.8658% | 1,493 |
| Core capital (leverage) ratio | 10.4761% | 3,069 |
| Tier 1 risk-based capital ratio | 12.8471% | 4,952 |
| Total risk-based capital ratio | 14.0974% | 4,871 |
| Memoranda: | ||
| Average total assets | $2,502,954,250 | 301 |
| Average earning assets | $2,240,407,500 | 299 |
| Average equity | $319,601,750 | 276 |
| Average total loans | $1,806,373,500 | 283 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 2,560 |
| Cost of funding earning assets | 0.2807% | 5,169 |
| Net interest margin | 4.0261% | 1,739 |
| Noninterest income to average assets | 0.5366% | 3,225 |
| Noninterest expense to average assets | 2.6427% | 4,088 |
| Loan and lease loss provision to assets | 0.1477% | 1,672 |
| Net operating income to assets | 0.9137% | 2,738 |
| Return on assets (ROA) | 0.9162% | 2,827 |
| Pretax return on assets | 1.3464% | 2,098 |
| Return on Equity (ROE) | 7.1937% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.1937% | 1,672 |
| Net charge-offs to loans | 0.0962% | 2,707 |
| Credit loss provision to net charge-offs | 212.9930% | 1,112 |
| Earnings coverage of net charge-offs (x) | 21.4907% | 1,539 |
| Efficiency ratio | 62.5297% | 4,939 |
| Assets per employee ($millions) | 5.4660% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 3,533 |
| Loan loss allowance to noncurrent loans | 200.7036% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 4,227 |
| Noncurrent loans to loans | 0.6786% | 4,017 |
| Net loans and leases to total assets | 71.7899% | 1,782 |
| Net loans and leases to deposits | 82.8387% | 2,159 |
| Net loans and leases to core deposits | 87.8516% | 2,329 |
| Total domestic deposits to total assets | 86.6622% | 2,662 |
| Equity capital to assets | 12.8748% | 1,442 |
| Core capital (leverage) ratio | 10.3151% | 3,191 |
| Tier 1 risk-based capital ratio | 12.8448% | 5,008 |
| Total risk-based capital ratio | 14.0953% | 4,948 |
| Memoranda: | ||
| Average total assets | $2,485,976,670 | 300 |
| Average earning assets | $2,220,730,330 | 301 |
| Average equity | $316,609,670 | 274 |
| Average total loans | $1,791,607,670 | 283 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 2,701 |
| Cost of funding earning assets | 0.2720% | 5,368 |
| Net interest margin | 3.9740% | 1,843 |
| Noninterest income to average assets | 0.5442% | 3,087 |
| Noninterest expense to average assets | 2.5966% | 4,279 |
| Loan and lease loss provision to assets | 0.0967% | 2,314 |
| Net operating income to assets | 0.9470% | 2,418 |
| Return on assets (ROA) | 0.9470% | 2,488 |
| Pretax return on assets | 1.4038% | 1,729 |
| Return on Equity (ROE) | 7.4771% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.4771% | 1,830 |
| Net charge-offs to loans | 0.0254% | 3,061 |
| Credit loss provision to net charge-offs | 530.0885% | 517 |
| Earnings coverage of net charge-offs (x) | 82.2389% | 529 |
| Efficiency ratio | 61.8980% | 5,135 |
| Assets per employee ($millions) | 5.4831% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 3,816 |
| Loan loss allowance to noncurrent loans | 172.4483% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6783% | 4,079 |
| Noncurrent loans to loans | 0.7863% | 3,900 |
| Net loans and leases to total assets | 70.7858% | 1,757 |
| Net loans and leases to deposits | 81.5046% | 2,099 |
| Net loans and leases to core deposits | 86.7229% | 2,238 |
| Total domestic deposits to total assets | 86.8488% | 2,914 |
| Equity capital to assets | 12.6635% | 1,477 |
| Core capital (leverage) ratio | 10.3421% | 3,128 |
| Tier 1 risk-based capital ratio | 12.9101% | 5,052 |
| Total risk-based capital ratio | 14.1609% | 4,994 |
| Memoranda: | ||
| Average total assets | $2,477,254,000 | 301 |
| Average earning assets | $2,214,769,000 | 303 |
| Average equity | $313,759,500 | 273 |
| Average total loans | $1,776,401,500 | 284 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 2,528 |
| Cost of funding earning assets | 0.3423% | 5,220 |
| Net interest margin | 4.0736% | 1,723 |
| Noninterest income to average assets | 0.6998% | 2,543 |
| Noninterest expense to average assets | 2.7350% | 3,976 |
| Loan and lease loss provision to assets | 0.5061% | 553 |
| Net operating income to assets | 0.7942% | 3,317 |
| Return on assets (ROA) | 0.7942% | 3,417 |
| Pretax return on assets | 1.0961% | 2,963 |
| Return on Equity (ROE) | 6.3943% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.3943% | 1,743 |
| Net charge-offs to loans | 0.2793% | 2,302 |
| Credit loss provision to net charge-offs | 262.2762% | 864 |
| Earnings coverage of net charge-offs (x) | 8.3033% | 2,694 |
| Efficiency ratio | 62.0208% | 5,214 |
| Assets per employee ($millions) | 5.0918% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 3,864 |
| Loan loss allowance to noncurrent loans | 185.5920% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 4,305 |
| Noncurrent loans to loans | 0.7305% | 4,134 |
| Net loans and leases to total assets | 70.6857% | 1,903 |
| Net loans and leases to deposits | 81.4063% | 2,262 |
| Net loans and leases to core deposits | 86.0632% | 2,439 |
| Total domestic deposits to total assets | 86.8308% | 2,814 |
| Equity capital to assets | 12.6677% | 1,440 |
| Core capital (leverage) ratio | 10.2335% | 3,245 |
| Tier 1 risk-based capital ratio | 12.7668% | 5,136 |
| Total risk-based capital ratio | 14.0175% | 5,080 |
| Memoranda: | ||
| Average total assets | $2,026,290,400 | 353 |
| Average earning assets | $1,809,341,400 | 352 |
| Average equity | $251,663,400 | 317 |
| Average total loans | $1,399,848,200 | 326 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 2,789 |
| Cost of funding earning assets | 0.3474% | 5,317 |
| Net interest margin | 4.0021% | 1,939 |
| Noninterest income to average assets | 0.7626% | 2,307 |
| Noninterest expense to average assets | 2.7205% | 3,945 |
| Loan and lease loss provision to assets | 0.5653% | 455 |
| Net operating income to assets | 0.7875% | 3,412 |
| Return on assets (ROA) | 0.7875% | 3,547 |
| Pretax return on assets | 1.0497% | 3,303 |
| Return on Equity (ROE) | 6.3812% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.3812% | 2,195 |
| Net charge-offs to loans | 0.2605% | 2,252 |
| Credit loss provision to net charge-offs | 317.8906% | 809 |
| Earnings coverage of net charge-offs (x) | 9.0816% | 2,528 |
| Efficiency ratio | 61.7535% | 5,171 |
| Assets per employee ($millions) | 4.9643% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,140 |
| Loan loss allowance to noncurrent loans | 161.1790% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 4,393 |
| Noncurrent loans to loans | 0.8374% | 4,158 |
| Net loans and leases to total assets | 68.6385% | 2,209 |
| Net loans and leases to deposits | 78.8212% | 2,546 |
| Net loans and leases to core deposits | 83.3277% | 2,725 |
| Total domestic deposits to total assets | 87.0812% | 2,648 |
| Equity capital to assets | 12.4520% | 1,611 |
| Core capital (leverage) ratio | 11.1855% | 2,317 |
| Tier 1 risk-based capital ratio | 13.1095% | 5,047 |
| Total risk-based capital ratio | 14.3603% | 4,996 |
| Memoranda: | ||
| Average total assets | $1,919,304,500 | 369 |
| Average earning assets | $1,713,512,250 | 367 |
| Average equity | $236,855,250 | 332 |
| Average total loans | $1,310,151,250 | 343 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,903 |
| Cost of funding earning assets | 0.3551% | 5,350 |
| Net interest margin | 3.9563% | 2,023 |
| Noninterest income to average assets | 0.5960% | 3,222 |
| Noninterest expense to average assets | 2.6519% | 4,212 |
| Loan and lease loss provision to assets | 0.3168% | 1,115 |
| Net operating income to assets | 0.7897% | 3,351 |
| Return on assets (ROA) | 0.7897% | 3,510 |
| Pretax return on assets | 1.1569% | 2,856 |
| Return on Equity (ROE) | 6.4262% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.4262% | 2,188 |
| Net charge-offs to loans | 0.3326% | 1,854 |
| Credit loss provision to net charge-offs | 140.8278% | 1,609 |
| Earnings coverage of net charge-offs (x) | 6.5514% | 2,700 |
| Efficiency ratio | 63.2871% | 4,965 |
| Assets per employee ($millions) | 4.9930% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 3,425 |
| Loan loss allowance to noncurrent loans | 116.1714% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9945% | 3,772 |
| Noncurrent loans to loans | 1.3206% | 3,347 |
| Net loans and leases to total assets | 66.2548% | 2,548 |
| Net loans and leases to deposits | 75.9189% | 2,887 |
| Net loans and leases to core deposits | 78.8551% | 3,185 |
| Total domestic deposits to total assets | 87.2705% | 2,678 |
| Equity capital to assets | 12.2055% | 1,771 |
| Core capital (leverage) ratio | 9.3171% | 4,512 |
| Tier 1 risk-based capital ratio | 12.2988% | 5,624 |
| Total risk-based capital ratio | 13.5518% | 5,570 |
| Memoranda: | ||
| Average total assets | $1,739,967,000 | 398 |
| Average earning assets | $1,552,312,330 | 407 |
| Average equity | $213,812,330 | 358 |
| Average total loans | $1,176,954,670 | 376 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 2,957 |
| Cost of funding earning assets | 0.3479% | 5,554 |
| Net interest margin | 3.9354% | 1,998 |
| Noninterest income to average assets | 0.5818% | 3,240 |
| Noninterest expense to average assets | 2.6928% | 4,096 |
| Loan and lease loss provision to assets | 0.3130% | 1,086 |
| Net operating income to assets | 0.7461% | 3,454 |
| Return on assets (ROA) | 0.7461% | 3,589 |
| Pretax return on assets | 1.0958% | 2,970 |
| Return on Equity (ROE) | 6.0505% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.0505% | 2,657 |
| Net charge-offs to loans | 0.0828% | 3,014 |
| Credit loss provision to net charge-offs | 557.4380% | 482 |
| Earnings coverage of net charge-offs (x) | 25.0868% | 1,059 |
| Efficiency ratio | 64.5827% | 4,906 |
| Assets per employee ($millions) | 4.7928% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 3,459 |
| Loan loss allowance to noncurrent loans | 149.7143% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 4,279 |
| Noncurrent loans to loans | 1.0589% | 4,023 |
| Net loans and leases to total assets | 66.5688% | 2,274 |
| Net loans and leases to deposits | 76.5106% | 2,554 |
| Net loans and leases to core deposits | 80.0290% | 2,803 |
| Total domestic deposits to total assets | 87.0060% | 2,957 |
| Equity capital to assets | 12.3303% | 1,820 |
| Core capital (leverage) ratio | 9.2590% | 4,464 |
| Tier 1 risk-based capital ratio | 12.2715% | 5,740 |
| Total risk-based capital ratio | 13.5252% | 5,689 |
| Memoranda: | ||
| Average total assets | $1,723,690,000 | 406 |
| Average earning assets | $1,541,685,000 | 411 |
| Average equity | $212,546,000 | 371 |
| Average total loans | $1,169,093,000 | 379 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 2,846 |
| Cost of funding earning assets | 0.3941% | 5,957 |
| Net interest margin | 4.2459% | 1,528 |
| Noninterest income to average assets | 0.6640% | 2,912 |
| Noninterest expense to average assets | 2.9403% | 3,502 |
| Loan and lease loss provision to assets | 0.3654% | 1,797 |
| Net operating income to assets | 0.7735% | 3,399 |
| Return on assets (ROA) | 0.7735% | 3,653 |
| Pretax return on assets | 1.1149% | 3,105 |
| Return on Equity (ROE) | 5.9106% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.9106% | 2,133 |
| Net charge-offs to loans | 0.3261% | 3,016 |
| Credit loss provision to net charge-offs | 162.7027% | 1,653 |
| Earnings coverage of net charge-offs (x) | 6.5915% | 2,783 |
| Efficiency ratio | 65.0947% | 4,684 |
| Assets per employee ($millions) | 4.7566% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,736 |
| Loan loss allowance to noncurrent loans | 133.9406% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 4,263 |
| Noncurrent loans to loans | 1.1217% | 3,965 |
| Net loans and leases to total assets | 66.9894% | 2,364 |
| Net loans and leases to deposits | 76.9185% | 2,670 |
| Net loans and leases to core deposits | 80.2749% | 2,967 |
| Total domestic deposits to total assets | 87.0914% | 2,787 |
| Equity capital to assets | 12.3314% | 1,840 |
| Core capital (leverage) ratio | 9.5816% | 3,990 |
| Tier 1 risk-based capital ratio | 12.0184% | 5,777 |
| Total risk-based capital ratio | 13.2709% | 5,729 |
| Memoranda: | ||
| Average total assets | $1,565,167,200 | 433 |
| Average earning assets | $1,384,820,800 | 441 |
| Average equity | $204,816,800 | 368 |
| Average total loans | $1,077,988,200 | 396 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 2,824 |
| Cost of funding earning assets | 0.4078% | 6,075 |
| Net interest margin | 4.2876% | 1,508 |
| Noninterest income to average assets | 0.6555% | 2,967 |
| Noninterest expense to average assets | 2.9413% | 3,440 |
| Loan and lease loss provision to assets | 0.3428% | 1,913 |
| Net operating income to assets | 0.8034% | 3,435 |
| Return on assets (ROA) | 0.8034% | 3,680 |
| Pretax return on assets | 1.1595% | 3,134 |
| Return on Equity (ROE) | 6.0416% | 4,313 |
| Retained earnings to average equity (ytd only) | 6.0416% | 2,679 |
| Net charge-offs to loans | 0.2866% | 3,008 |
| Credit loss provision to net charge-offs | 173.0515% | 1,613 |
| Earnings coverage of net charge-offs (x) | 7.5830% | 2,583 |
| Efficiency ratio | 64.6799% | 4,683 |
| Assets per employee ($millions) | 4.4837% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,813 |
| Loan loss allowance to noncurrent loans | 124.8748% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.0099% | 4,262 |
| Noncurrent loans to loans | 1.2262% | 4,002 |
| Net loans and leases to total assets | 69.4710% | 2,019 |
| Net loans and leases to deposits | 80.6350% | 2,300 |
| Net loans and leases to core deposits | 84.4358% | 2,649 |
| Total domestic deposits to total assets | 86.1549% | 3,167 |
| Equity capital to assets | 13.2620% | 1,471 |
| Core capital (leverage) ratio | 9.8449% | 3,761 |
| Tier 1 risk-based capital ratio | 12.4582% | 5,674 |
| Total risk-based capital ratio | 13.7111% | 5,637 |
| Memoranda: | ||
| Average total assets | $1,528,361,250 | 439 |
| Average earning assets | $1,350,310,500 | 449 |
| Average equity | $203,230,500 | 368 |
| Average total loans | $1,056,330,500 | 405 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 3,115 |
| Cost of funding earning assets | 0.4202% | 6,165 |
| Net interest margin | 4.2347% | 1,655 |
| Noninterest income to average assets | 0.6335% | 3,051 |
| Noninterest expense to average assets | 2.8948% | 3,639 |
| Loan and lease loss provision to assets | 0.3384% | 1,949 |
| Net operating income to assets | 0.7887% | 3,441 |
| Return on assets (ROA) | 0.7887% | 3,691 |
| Pretax return on assets | 1.1383% | 3,156 |
| Return on Equity (ROE) | 5.9256% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.9256% | 2,752 |
| Net charge-offs to loans | 0.2555% | 3,046 |
| Credit loss provision to net charge-offs | 192.9970% | 1,467 |
| Earnings coverage of net charge-offs (x) | 8.4217% | 2,299 |
| Efficiency ratio | 64.6007% | 4,783 |
| Assets per employee ($millions) | 4.2951% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 3,795 |
| Loan loss allowance to noncurrent loans | 98.6453% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.3086% | 3,811 |
| Noncurrent loans to loans | 1.5692% | 3,554 |
| Net loans and leases to total assets | 69.3401% | 2,045 |
| Net loans and leases to deposits | 80.6692% | 2,282 |
| Net loans and leases to core deposits | 84.7896% | 2,594 |
| Total domestic deposits to total assets | 85.9562% | 3,376 |
| Equity capital to assets | 13.4912% | 1,309 |
| Core capital (leverage) ratio | 9.9226% | 3,523 |
| Tier 1 risk-based capital ratio | 12.7186% | 5,404 |
| Total risk-based capital ratio | 13.9719% | 5,371 |
| Memoranda: | ||
| Average total assets | $1,514,716,330 | 442 |
| Average earning assets | $1,337,048,330 | 454 |
| Average equity | $201,600,670 | 368 |
| Average total loans | $1,039,388,000 | 411 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 3,487 |
| Cost of funding earning assets | 0.4445% | 6,180 |
| Net interest margin | 4.1584% | 1,904 |
| Noninterest income to average assets | 0.6161% | 3,125 |
| Noninterest expense to average assets | 2.8779% | 3,715 |
| Loan and lease loss provision to assets | 0.3530% | 1,779 |
| Net operating income to assets | 0.7297% | 3,734 |
| Return on assets (ROA) | 0.7297% | 3,969 |
| Pretax return on assets | 1.0528% | 3,491 |
| Return on Equity (ROE) | 5.5205% | 4,537 |
| Retained earnings to average equity (ytd only) | 5.5205% | 3,243 |
| Net charge-offs to loans | 0.4148% | 2,062 |
| Credit loss provision to net charge-offs | 125.6820% | 1,903 |
| Earnings coverage of net charge-offs (x) | 5.0056% | 2,459 |
| Efficiency ratio | 65.4619% | 4,659 |
| Assets per employee ($millions) | 4.3975% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 4,111 |
| Loan loss allowance to noncurrent loans | 98.6502% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.3489% | 3,864 |
| Noncurrent loans to loans | 1.5295% | 3,820 |
| Net loans and leases to total assets | 67.1711% | 2,265 |
| Net loans and leases to deposits | 77.9606% | 2,516 |
| Net loans and leases to core deposits | 81.8420% | 2,856 |
| Total domestic deposits to total assets | 86.1603% | 3,434 |
| Equity capital to assets | 13.3148% | 1,312 |
| Core capital (leverage) ratio | 9.7694% | 3,684 |
| Tier 1 risk-based capital ratio | 12.8643% | 5,311 |
| Total risk-based capital ratio | 14.1170% | 5,290 |
| Memoranda: | ||
| Average total assets | $1,513,997,500 | 440 |
| Average earning assets | $1,335,324,500 | 451 |
| Average equity | $200,127,500 | 363 |
| Average total loans | $1,025,166,000 | 412 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 4,733 |
| Cost of funding earning assets | 0.6482% | 5,836 |
| Net interest margin | 3.9365% | 3,174 |
| Noninterest income to average assets | 0.6452% | 2,916 |
| Noninterest expense to average assets | 2.8701% | 4,080 |
| Loan and lease loss provision to assets | 0.3745% | 2,752 |
| Net operating income to assets | 0.6102% | 3,946 |
| Return on assets (ROA) | 0.6320% | 4,023 |
| Pretax return on assets | 0.8975% | 3,613 |
| Return on Equity (ROE) | 4.7861% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.7861% | 2,797 |
| Net charge-offs to loans | 0.5081% | 2,961 |
| Credit loss provision to net charge-offs | 113.9080% | 2,874 |
| Earnings coverage of net charge-offs (x) | 3.7745% | 3,394 |
| Efficiency ratio | 67.5797% | 4,448 |
| Assets per employee ($millions) | 4.4436% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 4,019 |
| Loan loss allowance to noncurrent loans | 96.4678% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.2536% | 4,138 |
| Noncurrent loans to loans | 1.5564% | 3,828 |
| Net loans and leases to total assets | 66.2164% | 2,745 |
| Net loans and leases to deposits | 76.6425% | 3,065 |
| Net loans and leases to core deposits | 81.0181% | 3,316 |
| Total domestic deposits to total assets | 86.3964% | 3,078 |
| Equity capital to assets | 13.1223% | 1,431 |
| Core capital (leverage) ratio | 9.5970% | 3,874 |
| Tier 1 risk-based capital ratio | 12.6405% | 5,339 |
| Total risk-based capital ratio | 13.8931% | 5,325 |
| Memoranda: | ||
| Average total assets | $1,460,865,600 | 456 |
| Average earning assets | $1,286,258,000 | 464 |
| Average equity | $192,891,600 | 367 |
| Average total loans | $945,303,000 | 446 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 4,939 |
| Cost of funding earning assets | 0.6858% | 5,846 |
| Net interest margin | 3.8956% | 3,400 |
| Noninterest income to average assets | 0.6490% | 2,888 |
| Noninterest expense to average assets | 2.9094% | 3,888 |
| Loan and lease loss provision to assets | 0.3440% | 2,817 |
| Net operating income to assets | 0.5817% | 4,166 |
| Return on assets (ROA) | 0.5861% | 4,333 |
| Pretax return on assets | 0.8286% | 4,023 |
| Return on Equity (ROE) | 4.4317% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.4317% | 3,571 |
| Net charge-offs to loans | 0.2179% | 4,076 |
| Credit loss provision to net charge-offs | 246.4686% | 1,166 |
| Earnings coverage of net charge-offs (x) | 8.3571% | 2,189 |
| Efficiency ratio | 69.0317% | 4,120 |
| Assets per employee ($millions) | 4.2462% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7694% | 3,041 |
| Loan loss allowance to noncurrent loans | 93.6874% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.4764% | 3,906 |
| Noncurrent loans to loans | 1.8887% | 3,521 |
| Net loans and leases to total assets | 64.7747% | 3,152 |
| Net loans and leases to deposits | 75.5008% | 3,410 |
| Net loans and leases to core deposits | 80.9521% | 3,495 |
| Total domestic deposits to total assets | 85.7933% | 3,332 |
| Equity capital to assets | 13.5995% | 1,328 |
| Core capital (leverage) ratio | 9.7741% | 3,737 |
| Tier 1 risk-based capital ratio | 13.3266% | 4,862 |
| Total risk-based capital ratio | 14.5824% | 4,831 |
| Memoranda: | ||
| Average total assets | $1,447,268,000 | 464 |
| Average earning assets | $1,273,105,750 | 473 |
| Average equity | $191,405,250 | 376 |
| Average total loans | $926,968,250 | 453 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 5,330 |
| Cost of funding earning assets | 0.7054% | 5,927 |
| Net interest margin | 3.8016% | 3,778 |
| Noninterest income to average assets | 0.6154% | 3,035 |
| Noninterest expense to average assets | 2.8770% | 4,119 |
| Loan and lease loss provision to assets | 0.3881% | 2,473 |
| Net operating income to assets | 0.4964% | 4,516 |
| Return on assets (ROA) | 0.4964% | 4,659 |
| Pretax return on assets | 0.6954% | 4,400 |
| Return on Equity (ROE) | 3.7890% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.7890% | 3,806 |
| Net charge-offs to loans | 0.0115% | 5,691 |
| Credit loss provision to net charge-offs | 5,303.7736% | 60 |
| Earnings coverage of net charge-offs (x) | 148.0566% | 242 |
| Efficiency ratio | 70.1461% | 4,090 |
| Assets per employee ($millions) | 4.1587% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8574% | 2,807 |
| Loan loss allowance to noncurrent loans | 84.8000% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.6115% | 3,782 |
| Noncurrent loans to loans | 2.1903% | 3,235 |
| Net loans and leases to total assets | 64.7726% | 3,301 |
| Net loans and leases to deposits | 75.3619% | 3,586 |
| Net loans and leases to core deposits | 81.2226% | 3,620 |
| Total domestic deposits to total assets | 85.9488% | 3,353 |
| Equity capital to assets | 13.5556% | 1,262 |
| Core capital (leverage) ratio | 9.5828% | 3,841 |
| Tier 1 risk-based capital ratio | 13.2986% | 4,694 |
| Total risk-based capital ratio | 14.5555% | 4,662 |
| Memoranda: | ||
| Average total assets | $1,448,455,670 | 470 |
| Average earning assets | $1,274,525,000 | 481 |
| Average equity | $189,761,670 | 379 |
| Average total loans | $918,624,330 | 467 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 5,750 |
| Cost of funding earning assets | 0.7230% | 6,013 |
| Net interest margin | 3.6596% | 4,283 |
| Noninterest income to average assets | 0.5873% | 3,255 |
| Noninterest expense to average assets | 2.8472% | 4,278 |
| Loan and lease loss provision to assets | 0.3714% | 2,330 |
| Net operating income to assets | 0.4291% | 4,809 |
| Return on assets (ROA) | 0.4291% | 4,898 |
| Pretax return on assets | 0.5933% | 4,709 |
| Return on Equity (ROE) | 3.3311% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.3311% | 4,184 |
| Net charge-offs to loans | 0.0290% | 4,692 |
| Credit loss provision to net charge-offs | 2,059.0909% | 191 |
| Earnings coverage of net charge-offs (x) | 53.4848% | 549 |
| Efficiency ratio | 72.0462% | 3,855 |
| Assets per employee ($millions) | 4.2976% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7598% | 3,136 |
| Loan loss allowance to noncurrent loans | 73.6071% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.6276% | 3,807 |
| Noncurrent loans to loans | 2.3907% | 3,098 |
| Net loans and leases to total assets | 60.2890% | 4,213 |
| Net loans and leases to deposits | 69.5895% | 4,411 |
| Net loans and leases to core deposits | 74.9887% | 4,431 |
| Total domestic deposits to total assets | 86.6352% | 3,161 |
| Equity capital to assets | 12.8603% | 1,445 |
| Core capital (leverage) ratio | 9.2175% | 4,258 |
| Tier 1 risk-based capital ratio | 13.5323% | 4,404 |
| Total risk-based capital ratio | 14.7880% | 4,367 |
| Memoranda: | ||
| Average total assets | $1,463,622,000 | 468 |
| Average earning assets | $1,289,648,000 | 484 |
| Average equity | $188,525,000 | 378 |
| Average total loans | $909,967,000 | 477 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 4,304 |
| Cost of funding earning assets | 0.8136% | 6,503 |
| Net interest margin | 4.2403% | 2,029 |
| Noninterest income to average assets | 0.6389% | 3,220 |
| Noninterest expense to average assets | 2.9684% | 3,967 |
| Loan and lease loss provision to assets | 0.4998% | 3,151 |
| Net operating income to assets | 0.6076% | 3,635 |
| Return on assets (ROA) | 0.6486% | 3,596 |
| Pretax return on assets | 0.9042% | 3,269 |
| Return on Equity (ROE) | 4.6836% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.6836% | 2,616 |
| Net charge-offs to loans | 0.4987% | 3,628 |
| Credit loss provision to net charge-offs | 148.6378% | 2,448 |
| Earnings coverage of net charge-offs (x) | 4.0058% | 3,107 |
| Efficiency ratio | 65.8250% | 5,003 |
| Assets per employee ($millions) | 4.4170% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 3,576 |
| Loan loss allowance to noncurrent loans | 74.6682% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.5083% | 4,055 |
| Noncurrent loans to loans | 2.1400% | 3,382 |
| Net loans and leases to total assets | 61.9806% | 4,291 |
| Net loans and leases to deposits | 71.7222% | 4,564 |
| Net loans and leases to core deposits | 77.4410% | 4,527 |
| Total domestic deposits to total assets | 86.4176% | 3,123 |
| Equity capital to assets | 12.9014% | 1,440 |
| Core capital (leverage) ratio | 9.2795% | 4,044 |
| Tier 1 risk-based capital ratio | 13.2730% | 4,398 |
| Total risk-based capital ratio | 14.5268% | 4,349 |
| Memoranda: | ||
| Average total assets | $1,331,614,800 | 505 |
| Average earning assets | $1,154,582,400 | 528 |
| Average equity | $184,408,200 | 377 |
| Average total loans | $898,024,200 | 501 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 3,966 |
| Cost of funding earning assets | 0.8334% | 6,640 |
| Net interest margin | 4.3402% | 1,714 |
| Noninterest income to average assets | 0.6230% | 3,293 |
| Noninterest expense to average assets | 2.9824% | 3,813 |
| Loan and lease loss provision to assets | 0.4668% | 3,138 |
| Net operating income to assets | 0.6366% | 3,715 |
| Return on assets (ROA) | 0.6903% | 3,621 |
| Pretax return on assets | 0.9986% | 3,190 |
| Return on Equity (ROE) | 4.8913% | 4,340 |
| Retained earnings to average equity (ytd only) | 4.8913% | 3,059 |
| Net charge-offs to loans | 0.4640% | 3,433 |
| Credit loss provision to net charge-offs | 146.4952% | 2,684 |
| Earnings coverage of net charge-offs (x) | 4.3547% | 3,086 |
| Efficiency ratio | 65.1762% | 5,021 |
| Assets per employee ($millions) | 4.0285% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,934 |
| Loan loss allowance to noncurrent loans | 76.3994% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.5319% | 4,152 |
| Noncurrent loans to loans | 1.9691% | 3,723 |
| Net loans and leases to total assets | 68.6329% | 3,068 |
| Net loans and leases to deposits | 80.5616% | 3,348 |
| Net loans and leases to core deposits | 87.4653% | 3,449 |
| Total domestic deposits to total assets | 85.1930% | 3,521 |
| Equity capital to assets | 14.1246% | 1,130 |
| Core capital (leverage) ratio | 9.9388% | 3,310 |
| Tier 1 risk-based capital ratio | 12.9245% | 4,633 |
| Total risk-based capital ratio | 14.1772% | 4,615 |
| Memoranda: | ||
| Average total assets | $1,301,222,750 | 516 |
| Average earning assets | $1,123,386,750 | 534 |
| Average equity | $183,640,000 | 376 |
| Average total loans | $893,700,750 | 500 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 4,274 |
| Cost of funding earning assets | 0.8467% | 6,771 |
| Net interest margin | 4.2885% | 1,827 |
| Noninterest income to average assets | 0.6087% | 3,274 |
| Noninterest expense to average assets | 2.9818% | 3,772 |
| Loan and lease loss provision to assets | 0.3678% | 3,502 |
| Net operating income to assets | 0.6681% | 3,541 |
| Return on assets (ROA) | 0.6752% | 3,657 |
| Pretax return on assets | 0.9706% | 3,234 |
| Return on Equity (ROE) | 4.7859% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.7859% | 3,021 |
| Net charge-offs to loans | 0.2655% | 4,014 |
| Credit loss provision to net charge-offs | 202.7280% | 1,928 |
| Earnings coverage of net charge-offs (x) | 7.3214% | 2,319 |
| Efficiency ratio | 65.9717% | 4,987 |
| Assets per employee ($millions) | 4.0316% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 3,931 |
| Loan loss allowance to noncurrent loans | 118.0953% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 5,069 |
| Noncurrent loans to loans | 1.2714% | 4,842 |
| Net loans and leases to total assets | 67.7328% | 3,449 |
| Net loans and leases to deposits | 79.4920% | 3,690 |
| Net loans and leases to core deposits | 86.0011% | 3,837 |
| Total domestic deposits to total assets | 85.2070% | 3,518 |
| Equity capital to assets | 13.9818% | 1,160 |
| Core capital (leverage) ratio | 9.8059% | 3,392 |
| Tier 1 risk-based capital ratio | 12.6994% | 4,689 |
| Total risk-based capital ratio | 13.9519% | 4,657 |
| Memoranda: | ||
| Average total assets | $1,293,167,000 | 512 |
| Average earning assets | $1,116,095,000 | 540 |
| Average equity | $182,451,330 | 378 |
| Average total loans | $883,752,000 | 507 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1402% | 4,346 |
| Cost of funding earning assets | 0.8586% | 6,906 |
| Net interest margin | 4.2816% | 1,746 |
| Noninterest income to average assets | 0.5888% | 3,348 |
| Noninterest expense to average assets | 3.0153% | 3,621 |
| Loan and lease loss provision to assets | 0.2803% | 3,788 |
| Net operating income to assets | 0.6786% | 3,530 |
| Return on assets (ROA) | 0.6786% | 3,647 |
| Pretax return on assets | 0.9874% | 3,135 |
| Return on Equity (ROE) | 4.7872% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.7872% | 3,275 |
| Net charge-offs to loans | 0.1107% | 4,323 |
| Credit loss provision to net charge-offs | 371.7842% | 1,097 |
| Earnings coverage of net charge-offs (x) | 16.8133% | 1,320 |
| Efficiency ratio | 67.0489% | 4,906 |
| Assets per employee ($millions) | 4.0037% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 3,970 |
| Loan loss allowance to noncurrent loans | 138.1736% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8615% | 5,433 |
| Noncurrent loans to loans | 1.0770% | 5,194 |
| Net loans and leases to total assets | 66.6648% | 3,712 |
| Net loans and leases to deposits | 78.5428% | 3,935 |
| Net loans and leases to core deposits | 84.6617% | 4,108 |
| Total domestic deposits to total assets | 84.8770% | 3,734 |
| Equity capital to assets | 14.0227% | 1,134 |
| Core capital (leverage) ratio | 9.9105% | 3,276 |
| Tier 1 risk-based capital ratio | 12.7007% | 4,558 |
| Total risk-based capital ratio | 13.9528% | 4,521 |
| Memoranda: | ||
| Average total assets | $1,278,564,500 | 540 |
| Average earning assets | $1,103,139,500 | 559 |
| Average equity | $181,231,500 | 385 |
| Average total loans | $870,962,000 | 532 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9621% | 6,551 |
| Cost of funding earning assets | 1.1668% | 6,775 |
| Net interest margin | 3.7953% | 3,729 |
| Noninterest income to average assets | 0.8213% | 2,302 |
| Noninterest expense to average assets | 3.3075% | 2,992 |
| Loan and lease loss provision to assets | 0.5704% | 3,525 |
| Net operating income to assets | 0.2368% | 4,772 |
| Return on assets (ROA) | 0.2368% | 4,848 |
| Pretax return on assets | 0.1943% | 5,016 |
| Return on Equity (ROE) | 1.6979% | 5,021 |
| Retained earnings to average equity (ytd only) | 1.6979% | 3,896 |
| Net charge-offs to loans | 0.2991% | 4,764 |
| Credit loss provision to net charge-offs | 300.3450% | 1,103 |
| Earnings coverage of net charge-offs (x) | 4.0263% | 3,096 |
| Efficiency ratio | 77.0795% | 3,352 |
| Assets per employee ($millions) | 4.0254% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 4,005 |
| Loan loss allowance to noncurrent loans | 197.3680% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 5,867 |
| Noncurrent loans to loans | 0.7322% | 5,790 |
| Net loans and leases to total assets | 67.5939% | 3,800 |
| Net loans and leases to deposits | 80.0162% | 3,985 |
| Net loans and leases to core deposits | 92.9400% | 4,788 |
| Total domestic deposits to total assets | 84.4753% | 3,805 |
| Equity capital to assets | 14.3320% | 1,068 |
| Core capital (leverage) ratio | 9.3538% | 3,894 |
| Tier 1 risk-based capital ratio | 12.3543% | 4,637 |
| Total risk-based capital ratio | 13.6053% | 4,598 |
| Memoranda: | ||
| Average total assets | $1,221,087,000 | 550 |
| Average earning assets | $1,045,900,400 | 578 |
| Average equity | $170,324,400 | 403 |
| Average total loans | $775,262,600 | 590 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 7,024 |
| Cost of funding earning assets | 0.9929% | 7,402 |
| Net interest margin | 3.8517% | 3,423 |
| Noninterest income to average assets | 0.5361% | 4,186 |
| Noninterest expense to average assets | 3.0783% | 3,730 |
| Loan and lease loss provision to assets | 0.3232% | 4,403 |
| Net operating income to assets | 0.3842% | 4,458 |
| Return on assets (ROA) | 0.3842% | 4,567 |
| Pretax return on assets | 0.5431% | 4,386 |
| Return on Equity (ROE) | 3.3567% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.3567% | 3,428 |
| Net charge-offs to loans | 0.2737% | 4,334 |
| Credit loss provision to net charge-offs | 176.9520% | 2,609 |
| Earnings coverage of net charge-offs (x) | 4.7432% | 3,026 |
| Efficiency ratio | 74.5230% | 3,779 |
| Assets per employee ($millions) | 4.1703% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 6,013 |
| Loan loss allowance to noncurrent loans | 403.6096% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 7,003 |
| Noncurrent loans to loans | 0.2599% | 6,860 |
| Net loans and leases to total assets | 69.6717% | 3,588 |
| Net loans and leases to deposits | 78.7812% | 4,604 |
| Net loans and leases to core deposits | 88.7348% | 5,557 |
| Total domestic deposits to total assets | 88.4370% | 1,459 |
| Equity capital to assets | 11.0219% | 2,987 |
| Core capital (leverage) ratio | 9.5342% | 3,864 |
| Tier 1 risk-based capital ratio | 11.9213% | 5,046 |
| Total risk-based capital ratio | 12.8726% | 5,256 |
| Memoranda: | ||
| Average total assets | $775,994,500 | 895 |
| Average earning assets | $686,711,750 | 913 |
| Average equity | $88,814,750 | 739 |
| Average total loans | $517,759,000 | 939 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 7,235 |
| Cost of funding earning assets | 1.0643% | 7,446 |
| Net interest margin | 3.7315% | 3,827 |
| Noninterest income to average assets | 0.5198% | 4,274 |
| Noninterest expense to average assets | 3.0108% | 4,044 |
| Loan and lease loss provision to assets | 0.3340% | 3,935 |
| Net operating income to assets | 0.3338% | 4,744 |
| Return on assets (ROA) | 0.3338% | 4,860 |
| Pretax return on assets | 0.4686% | 4,721 |
| Return on Equity (ROE) | 2.8782% | 4,950 |
| Retained earnings to average equity (ytd only) | 2.8782% | 3,726 |
| Net charge-offs to loans | 0.3121% | 3,630 |
| Credit loss provision to net charge-offs | 163.6247% | 2,808 |
| Earnings coverage of net charge-offs (x) | 3.9319% | 3,270 |
| Efficiency ratio | 75.1600% | 3,849 |
| Assets per employee ($millions) | 4.1921% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 5,688 |
| Loan loss allowance to noncurrent loans | 241.4449% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 6,642 |
| Noncurrent loans to loans | 0.4502% | 6,400 |
| Net loans and leases to total assets | 64.9535% | 4,770 |
| Net loans and leases to deposits | 73.4816% | 5,535 |
| Net loans and leases to core deposits | 83.2644% | 6,140 |
| Total domestic deposits to total assets | 88.3943% | 1,579 |
| Equity capital to assets | 11.0996% | 2,837 |
| Core capital (leverage) ratio | 9.7440% | 3,579 |
| Tier 1 risk-based capital ratio | 12.7483% | 4,322 |
| Total risk-based capital ratio | 13.7258% | 4,464 |
| Memoranda: | ||
| Average total assets | $762,199,000 | 925 |
| Average earning assets | $672,757,000 | 944 |
| Average equity | $88,389,330 | 749 |
| Average total loans | $498,505,000 | 996 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 7,322 |
| Cost of funding earning assets | 1.0829% | 7,541 |
| Net interest margin | 3.7485% | 3,660 |
| Noninterest income to average assets | 0.5082% | 4,247 |
| Noninterest expense to average assets | 2.6925% | 5,046 |
| Loan and lease loss provision to assets | 0.4652% | 2,613 |
| Net operating income to assets | 0.4646% | 4,594 |
| Return on assets (ROA) | 0.4646% | 4,775 |
| Pretax return on assets | 0.6660% | 4,540 |
| Return on Equity (ROE) | 3.9162% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.9162% | 3,716 |
| Net charge-offs to loans | 0.3391% | 2,730 |
| Credit loss provision to net charge-offs | 210.2190% | 2,135 |
| Earnings coverage of net charge-offs (x) | 5.1119% | 2,743 |
| Efficiency ratio | 66.4461% | 5,243 |
| Assets per employee ($millions) | 4.0045% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 5,027 |
| Loan loss allowance to noncurrent loans | 463.8594% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 7,031 |
| Noncurrent loans to loans | 0.2508% | 6,819 |
| Net loans and leases to total assets | 63.3508% | 5,095 |
| Net loans and leases to deposits | 72.1186% | 5,732 |
| Net loans and leases to core deposits | 80.3980% | 6,353 |
| Total domestic deposits to total assets | 87.8426% | 1,825 |
| Equity capital to assets | 11.6435% | 2,483 |
| Core capital (leverage) ratio | 10.0102% | 3,400 |
| Tier 1 risk-based capital ratio | 13.4937% | 3,866 |
| Total risk-based capital ratio | 14.5483% | 3,914 |
| Memoranda: | ||
| Average total assets | $742,949,000 | 942 |
| Average earning assets | $657,118,000 | 974 |
| Average equity | $88,147,000 | 750 |
| Average total loans | $484,859,000 | 1,046 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6401% | 6,958 |
| Cost of funding earning assets | 1.5428% | 7,543 |
| Net interest margin | 4.0973% | 2,723 |
| Noninterest income to average assets | 0.4544% | 5,005 |
| Noninterest expense to average assets | 2.9253% | 4,356 |
| Loan and lease loss provision to assets | 0.6138% | 2,371 |
| Net operating income to assets | 0.3774% | 5,242 |
| Return on assets (ROA) | 0.3790% | 5,047 |
| Pretax return on assets | 0.5239% | 4,917 |
| Return on Equity (ROE) | 2.6656% | 5,354 |
| Retained earnings to average equity (ytd only) | 2.6656% | 3,518 |
| Net charge-offs to loans | 0.2246% | 3,986 |
| Credit loss provision to net charge-offs | 412.8770% | 1,056 |
| Earnings coverage of net charge-offs (x) | 7.6381% | 3,059 |
| Efficiency ratio | 66.7049% | 4,969 |
| Assets per employee ($millions) | 4.2154% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 5,394 |
| Loan loss allowance to noncurrent loans | 154.4836% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 5,791 |
| Noncurrent loans to loans | 0.7010% | 5,279 |
| Net loans and leases to total assets | 65.7640% | 4,902 |
| Net loans and leases to deposits | 75.2848% | 5,685 |
| Net loans and leases to core deposits | 83.3841% | 6,353 |
| Total domestic deposits to total assets | 87.3536% | 1,775 |
| Equity capital to assets | 12.0964% | 2,231 |
| Core capital (leverage) ratio | 10.1357% | 3,329 |
| Tier 1 risk-based capital ratio | 13.3167% | 3,919 |
| Total risk-based capital ratio | 14.2897% | 3,995 |
| Memoranda: | ||
| Average total assets | $579,871,800 | 1,161 |
| Average earning assets | $510,379,400 | 1,208 |
| Average equity | $82,456,800 | 809 |
| Average total loans | $383,723,600 | 1,261 |