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ConnectOne Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4471% | 1,238 |
| Cost of funding earning assets | 2.5541% | 329 |
| Net interest margin | 2.8930% | 3,503 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.4725% | 4,342 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9461% | 2,390 |
| Return on assets (ROA) | 0.9462% | 2,375 |
| Pretax return on assets | 1.2529% | 2,000 |
| Return on Equity (ROE) | 7.5800% | 3,136 |
| Retained earnings to average equity (ytd only) | 3.4209% | 3,156 |
| Net charge-offs to loans | 0.2072% | 520 |
| Credit loss provision to net charge-offs | 49.6610% | 2,194 |
| Earnings coverage of net charge-offs (x) | 7.6966% | 2,387 |
| Efficiency ratio | 51.8925% | 3,841 |
| Assets per employee ($millions) | 19.8959% | 99 |
| Cash dividends to net income (ytd only)* | 54.8877% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 3,400 |
| Loan loss allowance to noncurrent loans | 156.0696% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.5333% | 1,049 |
| Noncurrent loans to loans | 0.6294% | 1,254 |
| Net loans and leases to total assets | 83.9000% | 276 |
| Net loans and leases to deposits | 109.1267% | 216 |
| Net loans and leases to core deposits | 175.9066% | 109 |
| Total domestic deposits to total assets | 76.8900% | 3,856 |
| Equity capital to assets | 12.7278% | 933 |
| Core capital (leverage) ratio | 11.2007% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2782% | 2,144 |
| Memoranda: | ||
| Average total assets | $9,766,865,200 | 163 |
| Average earning assets | $8,996,765,800 | 157 |
| Average equity | $1,218,719,200 | 143 |
| Average total loans | $8,186,532,000 | 142 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3629% | 1,192 |
| Cost of funding earning assets | 2.4351% | 309 |
| Net interest margin | 2.9278% | 3,487 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.4503% | 4,353 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9884% | 2,400 |
| Return on assets (ROA) | 0.9837% | 2,405 |
| Pretax return on assets | 1.3085% | 2,016 |
| Return on Equity (ROE) | 7.9200% | 3,204 |
| Retained earnings to average equity (ytd only) | 3.9179% | 3,278 |
| Net charge-offs to loans | 0.1310% | 616 |
| Credit loss provision to net charge-offs | 71.4768% | 1,800 |
| Earnings coverage of net charge-offs (x) | 12.6922% | 2,057 |
| Efficiency ratio | 50.5424% | 3,872 |
| Assets per employee ($millions) | 19.3832% | 105 |
| Cash dividends to net income (ytd only)* | 50.5514% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 2,977 |
| Loan loss allowance to noncurrent loans | 157.3878% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 1,007 |
| Noncurrent loans to loans | 0.6852% | 1,206 |
| Net loans and leases to total assets | 83.6700% | 305 |
| Net loans and leases to deposits | 108.2967% | 237 |
| Net loans and leases to core deposits | 179.2650% | 58 |
| Total domestic deposits to total assets | 77.2600% | 3,899 |
| Equity capital to assets | 12.6952% | 874 |
| Core capital (leverage) ratio | 11.2281% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4336% | 2,103 |
| Memoranda: | ||
| Average total assets | $9,746,458,750 | 164 |
| Average earning assets | $8,977,648,750 | 158 |
| Average equity | $1,210,024,750 | 146 |
| Average total loans | $8,146,878,500 | 143 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2707% | 1,119 |
| Cost of funding earning assets | 2.3076% | 272 |
| Net interest margin | 2.9630% | 3,532 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.4380% | 4,382 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0089% | 2,390 |
| Return on assets (ROA) | 1.0054% | 2,395 |
| Pretax return on assets | 1.3434% | 1,955 |
| Return on Equity (ROE) | 8.1600% | 3,198 |
| Retained earnings to average equity (ytd only) | 4.1888% | 3,162 |
| Net charge-offs to loans | 0.1358% | 554 |
| Credit loss provision to net charge-offs | 76.3258% | 1,569 |
| Earnings coverage of net charge-offs (x) | 12.6424% | 1,929 |
| Efficiency ratio | 49.6142% | 3,960 |
| Assets per employee ($millions) | 18.5798% | 109 |
| Cash dividends to net income (ytd only)* | 48.6583% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 2,980 |
| Loan loss allowance to noncurrent loans | 155.8547% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 915 |
| Noncurrent loans to loans | 0.7023% | 1,060 |
| Net loans and leases to total assets | 82.9500% | 333 |
| Net loans and leases to deposits | 106.4142% | 294 |
| Net loans and leases to core deposits | 175.1132% | 63 |
| Total domestic deposits to total assets | 77.9500% | 3,853 |
| Equity capital to assets | 12.7183% | 883 |
| Core capital (leverage) ratio | 10.9529% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3262% | 2,163 |
| Memoranda: | ||
| Average total assets | $9,771,209,333 | 159 |
| Average earning assets | $9,009,189,333 | 154 |
| Average equity | $1,204,065,000 | 146 |
| Average total loans | $8,135,468,667 | 140 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 1,039 |
| Cost of funding earning assets | 2.0910% | 241 |
| Net interest margin | 3.0463% | 3,476 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.4232% | 4,456 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0971% | 2,240 |
| Return on assets (ROA) | 1.0951% | 2,210 |
| Pretax return on assets | 1.4657% | 1,739 |
| Return on Equity (ROE) | 9.0300% | 3,040 |
| Retained earnings to average equity (ytd only) | 6.0601% | 2,746 |
| Net charge-offs to loans | 0.2206% | 333 |
| Credit loss provision to net charge-offs | 21.6819% | 1,374 |
| Earnings coverage of net charge-offs (x) | 8.2454% | 1,729 |
| Efficiency ratio | 48.0188% | 4,082 |
| Assets per employee ($millions) | 19.4830% | 100 |
| Cash dividends to net income (ytd only)* | 32.8972% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 3,209 |
| Loan loss allowance to noncurrent loans | 182.5204% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 1,073 |
| Noncurrent loans to loans | 0.5854% | 1,267 |
| Net loans and leases to total assets | 80.9200% | 464 |
| Net loans and leases to deposits | 103.4161% | 316 |
| Net loans and leases to core deposits | 168.6264% | 72 |
| Total domestic deposits to total assets | 78.2500% | 3,978 |
| Equity capital to assets | 12.0230% | 992 |
| Core capital (leverage) ratio | 10.6170% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2741% | 2,281 |
| Memoranda: | ||
| Average total assets | $9,798,197,000 | 165 |
| Average earning assets | $9,039,655,500 | 160 |
| Average equity | $1,188,164,500 | 151 |
| Average total loans | $8,128,388,500 | 143 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 640 |
| Cost of funding earning assets | 0.7888% | 403 |
| Net interest margin | 3.7789% | 1,202 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.4210% | 4,494 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.5048% | 872 |
| Return on assets (ROA) | 1.4917% | 866 |
| Pretax return on assets | 2.0097% | 470 |
| Return on Equity (ROE) | 11.5900% | 2,272 |
| Retained earnings to average equity (ytd only) | 8.3985% | 1,681 |
| Net charge-offs to loans | 0.0718% | 924 |
| Credit loss provision to net charge-offs | 320.4281% | 885 |
| Earnings coverage of net charge-offs (x) | 37.1275% | 1,550 |
| Efficiency ratio | 38.4423% | 4,572 |
| Assets per employee ($millions) | 19.1281% | 109 |
| Cash dividends to net income (ytd only)* | 27.5281% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 2,819 |
| Loan loss allowance to noncurrent loans | 180.8632% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 971 |
| Noncurrent loans to loans | 0.6168% | 1,208 |
| Net loans and leases to total assets | 83.2200% | 312 |
| Net loans and leases to deposits | 107.3479% | 213 |
| Net loans and leases to core deposits | 145.8970% | 106 |
| Total domestic deposits to total assets | 77.5200% | 4,128 |
| Equity capital to assets | 12.2331% | 873 |
| Core capital (leverage) ratio | 10.6368% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0208% | 2,366 |
| Memoranda: | ||
| Average total assets | $8,882,825,200 | 178 |
| Average earning assets | $8,182,413,200 | 172 |
| Average equity | $1,143,371,600 | 155 |
| Average total loans | $7,422,191,000 | 149 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 656 |
| Cost of funding earning assets | 0.5308% | 636 |
| Net interest margin | 3.8188% | 923 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.4255% | 4,493 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.5213% | 801 |
| Return on assets (ROA) | 1.5035% | 822 |
| Pretax return on assets | 2.0198% | 447 |
| Return on Equity (ROE) | 11.5200% | 2,200 |
| Retained earnings to average equity (ytd only) | 8.3926% | 1,853 |
| Net charge-offs to loans | 0.0160% | 1,535 |
| Credit loss provision to net charge-offs | 1,584.4037% | 295 |
| Earnings coverage of net charge-offs (x) | 169.2810% | 692 |
| Efficiency ratio | 38.1080% | 4,615 |
| Assets per employee ($millions) | 19.1010% | 114 |
| Cash dividends to net income (ytd only)* | 27.1601% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 2,742 |
| Loan loss allowance to noncurrent loans | 135.8468% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 724 |
| Noncurrent loans to loans | 0.8537% | 923 |
| Net loans and leases to total assets | 82.5100% | 351 |
| Net loans and leases to deposits | 105.3827% | 201 |
| Net loans and leases to core deposits | 134.9942% | 123 |
| Total domestic deposits to total assets | 78.2900% | 4,236 |
| Equity capital to assets | 12.1301% | 858 |
| Core capital (leverage) ratio | 10.9057% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9972% | 2,472 |
| Memoranda: | ||
| Average total assets | $8,693,387,750 | 179 |
| Average earning assets | $8,008,988,750 | 173 |
| Average equity | $1,134,379,000 | 157 |
| Average total loans | $7,249,373,500 | 152 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 595 |
| Cost of funding earning assets | 0.3820% | 1,038 |
| Net interest margin | 3.8472% | 679 |
| Noninterest income to average assets | 0.1759% | 4,126 |
| Noninterest expense to average assets | 1.4420% | 4,487 |
| Loan and lease loss provision to assets | 0.1055% | 945 |
| Net operating income to assets | 1.6169% | 527 |
| Return on assets (ROA) | 1.5989% | 533 |
| Pretax return on assets | 2.1501% | 270 |
| Return on Equity (ROE) | 11.9388% | 1,682 |
| Retained earnings to average equity (ytd only) | 9.1586% | 1,241 |
| Net charge-offs to loans | 0.0146% | 1,474 |
| Credit loss provision to net charge-offs | 874.6094% | 449 |
| Earnings coverage of net charge-offs (x) | 187.6367% | 560 |
| Efficiency ratio | 38.2059% | 4,648 |
| Assets per employee ($millions) | 17.4999% | 131 |
| Cash dividends to net income (ytd only)* | 23.2869% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,004 |
| Loan loss allowance to noncurrent loans | 116.6653% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 649 |
| Noncurrent loans to loans | 0.9745% | 857 |
| Net loans and leases to total assets | 81.4152% | 319 |
| Net loans and leases to deposits | 106.8631% | 120 |
| Net loans and leases to core deposits | 128.3432% | 129 |
| Total domestic deposits to total assets | 76.1864% | 4,448 |
| Equity capital to assets | 12.9643% | 671 |
| Core capital (leverage) ratio | 11.6030% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5482% | 2,273 |
| Memoranda: | ||
| Average total assets | $8,433,143,667 | 178 |
| Average earning assets | $7,769,640,000 | 176 |
| Average equity | $1,129,430,667 | 158 |
| Average total loans | $7,029,654,667 | 153 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 565 |
| Cost of funding earning assets | 0.3601% | 1,130 |
| Net interest margin | 3.7987% | 635 |
| Noninterest income to average assets | 0.1774% | 4,111 |
| Noninterest expense to average assets | 1.4193% | 4,516 |
| Loan and lease loss provision to assets | 0.0705% | 1,168 |
| Net operating income to assets | 1.6342% | 471 |
| Return on assets (ROA) | 1.6120% | 494 |
| Pretax return on assets | 2.1636% | 270 |
| Return on Equity (ROE) | 11.8331% | 1,373 |
| Retained earnings to average equity (ytd only) | 9.0150% | 1,269 |
| Net charge-offs to loans | 0.0140% | 1,263 |
| Credit loss provision to net charge-offs | 635.9504% | 450 |
| Earnings coverage of net charge-offs (x) | 192.3595% | 439 |
| Efficiency ratio | 37.9798% | 4,684 |
| Assets per employee ($millions) | 18.4776% | 123 |
| Cash dividends to net income (ytd only)* | 23.8160% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 3,117 |
| Loan loss allowance to noncurrent loans | 111.5445% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 617 |
| Noncurrent loans to loans | 1.0281% | 879 |
| Net loans and leases to total assets | 82.8266% | 128 |
| Net loans and leases to deposits | 103.1824% | 125 |
| Net loans and leases to core deposits | 121.0735% | 143 |
| Total domestic deposits to total assets | 80.2720% | 4,267 |
| Equity capital to assets | 13.5727% | 590 |
| Core capital (leverage) ratio | 11.4120% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5167% | 2,409 |
| Memoranda: | ||
| Average total assets | $8,230,996,500 | 182 |
| Average earning assets | $7,592,670,500 | 179 |
| Average equity | $1,121,292,000 | 160 |
| Average total loans | $6,905,604,500 | 156 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 959 |
| Cost of funding earning assets | 0.4460% | 1,233 |
| Net interest margin | 3.7771% | 1,058 |
| Noninterest income to average assets | 0.2048% | 4,140 |
| Noninterest expense to average assets | 1.4063% | 4,620 |
| Loan and lease loss provision to assets | -0.0710% | 4,446 |
| Net operating income to assets | 1.7758% | 537 |
| Return on assets (ROA) | 1.7745% | 564 |
| Pretax return on assets | 2.3516% | 318 |
| Return on Equity (ROE) | 13.0281% | 1,460 |
| Retained earnings to average equity (ytd only) | 10.7576% | 750 |
| Net charge-offs to loans | 0.0308% | 1,622 |
| Credit loss provision to net charge-offs | -251.9076% | 3,571 |
| Earnings coverage of net charge-offs (x) | 88.7525% | 938 |
| Efficiency ratio | 37.4338% | 4,733 |
| Assets per employee ($millions) | 18.3490% | 127 |
| Cash dividends to net income (ytd only)* | 17.4282% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 3,112 |
| Loan loss allowance to noncurrent loans | 104.7082% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 621 |
| Noncurrent loans to loans | 1.1017% | 881 |
| Net loans and leases to total assets | 83.0414% | 147 |
| Net loans and leases to deposits | 104.3840% | 128 |
| Net loans and leases to core deposits | 123.3632% | 137 |
| Total domestic deposits to total assets | 79.5537% | 4,261 |
| Equity capital to assets | 13.6742% | 729 |
| Core capital (leverage) ratio | 11.4264% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4441% | 2,479 |
| Memoranda: | ||
| Average total assets | $7,746,700,400 | 190 |
| Average earning assets | $7,144,836,000 | 187 |
| Average equity | $1,055,153,800 | 166 |
| Average total loans | $6,470,015,600 | 163 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 1,094 |
| Cost of funding earning assets | 0.4732% | 1,197 |
| Net interest margin | 3.7362% | 1,260 |
| Noninterest income to average assets | 0.2084% | 4,156 |
| Noninterest expense to average assets | 1.4093% | 4,680 |
| Loan and lease loss provision to assets | -0.1100% | 4,627 |
| Net operating income to assets | 1.7889% | 679 |
| Return on assets (ROA) | 1.7887% | 714 |
| Pretax return on assets | 2.3534% | 422 |
| Return on Equity (ROE) | 13.1460% | 1,654 |
| Retained earnings to average equity (ytd only) | 10.9611% | 1,071 |
| Net charge-offs to loans | 0.0366% | 1,350 |
| Credit loss provision to net charge-offs | -345.2884% | 3,535 |
| Earnings coverage of net charge-offs (x) | 73.5300% | 1,032 |
| Efficiency ratio | 37.8651% | 4,769 |
| Assets per employee ($millions) | 18.8808% | 123 |
| Cash dividends to net income (ytd only)* | 16.6202% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 3,055 |
| Loan loss allowance to noncurrent loans | 96.7064% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 645 |
| Noncurrent loans to loans | 1.2252% | 905 |
| Net loans and leases to total assets | 81.8239% | 199 |
| Net loans and leases to deposits | 99.5156% | 235 |
| Net loans and leases to core deposits | 120.8742% | 179 |
| Total domestic deposits to total assets | 82.2223% | 3,882 |
| Equity capital to assets | 13.6222% | 822 |
| Core capital (leverage) ratio | 11.3281% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6051% | 2,502 |
| Memoranda: | ||
| Average total assets | $7,651,225,750 | 191 |
| Average earning assets | $7,053,830,250 | 189 |
| Average equity | $1,041,062,250 | 167 |
| Average total loans | $6,380,301,500 | 164 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 1,210 |
| Cost of funding earning assets | 0.5176% | 1,107 |
| Net interest margin | 3.6701% | 1,424 |
| Noninterest income to average assets | 0.2083% | 4,158 |
| Noninterest expense to average assets | 1.3967% | 4,721 |
| Loan and lease loss provision to assets | -0.1964% | 4,751 |
| Net operating income to assets | 1.8192% | 683 |
| Return on assets (ROA) | 1.8198% | 719 |
| Pretax return on assets | 2.3898% | 417 |
| Return on Equity (ROE) | 13.3802% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.1487% | 1,091 |
| Net charge-offs to loans | 0.0043% | 1,997 |
| Credit loss provision to net charge-offs | -5,081.7518% | 3,990 |
| Earnings coverage of net charge-offs (x) | 604.3358% | 225 |
| Efficiency ratio | 38.1643% | 4,800 |
| Assets per employee ($millions) | 18.0980% | 129 |
| Cash dividends to net income (ytd only)* | 16.6771% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,788 |
| Loan loss allowance to noncurrent loans | 103.7131% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 772 |
| Noncurrent loans to loans | 1.1828% | 1,019 |
| Net loans and leases to total assets | 82.1736% | 208 |
| Net loans and leases to deposits | 101.7758% | 222 |
| Net loans and leases to core deposits | 122.8322% | 188 |
| Total domestic deposits to total assets | 80.7398% | 4,121 |
| Equity capital to assets | 13.6712% | 791 |
| Core capital (leverage) ratio | 11.3387% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0744% | 2,339 |
| Memoranda: | ||
| Average total assets | $7,552,023,000 | 194 |
| Average earning assets | $6,957,214,667 | 193 |
| Average equity | $1,027,147,333 | 168 |
| Average total loans | $6,313,057,000 | 165 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 1,166 |
| Cost of funding earning assets | 0.5640% | 1,033 |
| Net interest margin | 3.6539% | 1,438 |
| Noninterest income to average assets | 0.1934% | 4,226 |
| Noninterest expense to average assets | 1.4174% | 4,727 |
| Loan and lease loss provision to assets | -0.3086% | 4,861 |
| Net operating income to assets | 1.8678% | 700 |
| Return on assets (ROA) | 1.8599% | 762 |
| Pretax return on assets | 2.4418% | 487 |
| Return on Equity (ROE) | 13.7116% | 1,488 |
| Retained earnings to average equity (ytd only) | 11.8965% | 1,172 |
| Net charge-offs to loans | -0.0039% | 3,305 |
| Credit loss provision to net charge-offs | 9,450.8197% | 64 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0461% | 4,779 |
| Assets per employee ($millions) | 18.0813% | 128 |
| Cash dividends to net income (ytd only)* | 13.2378% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,513 |
| Loan loss allowance to noncurrent loans | 104.1846% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 785 |
| Noncurrent loans to loans | 1.2306% | 1,067 |
| Net loans and leases to total assets | 83.2745% | 173 |
| Net loans and leases to deposits | 103.6763% | 209 |
| Net loans and leases to core deposits | 126.1913% | 181 |
| Total domestic deposits to total assets | 80.3216% | 4,157 |
| Equity capital to assets | 13.7650% | 725 |
| Core capital (leverage) ratio | 11.0604% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5486% | 2,065 |
| Memoranda: | ||
| Average total assets | $7,473,158,500 | 193 |
| Average earning assets | $6,886,920,000 | 190 |
| Average equity | $1,013,712,500 | 169 |
| Average total loans | $6,262,554,000 | 166 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 979 |
| Cost of funding earning assets | 0.9459% | 727 |
| Net interest margin | 3.7087% | 1,771 |
| Noninterest income to average assets | 0.1950% | 4,307 |
| Noninterest expense to average assets | 1.6781% | 4,641 |
| Loan and lease loss provision to assets | 0.5692% | 376 |
| Net operating income to assets | 1.0925% | 1,955 |
| Return on assets (ROA) | 1.0951% | 2,063 |
| Pretax return on assets | 1.3603% | 1,783 |
| Return on Equity (ROE) | 8.4270% | 2,636 |
| Retained earnings to average equity (ytd only) | 6.8030% | 1,457 |
| Net charge-offs to loans | 0.0011% | 3,384 |
| Credit loss provision to net charge-offs | 61,194.0299% | 15 |
| Earnings coverage of net charge-offs (x) | 2,070.7910% | 51 |
| Efficiency ratio | 45.5716% | 4,735 |
| Assets per employee ($millions) | 17.8496% | 121 |
| Cash dividends to net income (ytd only)* | 19.2715% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,574 |
| Loan loss allowance to noncurrent loans | 106.3194% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 959 |
| Noncurrent loans to loans | 1.1940% | 1,178 |
| Net loans and leases to total assets | 82.1920% | 281 |
| Net loans and leases to deposits | 102.8060% | 289 |
| Net loans and leases to core deposits | 124.8596% | 256 |
| Total domestic deposits to total assets | 79.9486% | 4,052 |
| Equity capital to assets | 13.3657% | 977 |
| Core capital (leverage) ratio | 10.6376% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9964% | 2,239 |
| Memoranda: | ||
| Average total assets | $7,202,469,200 | 185 |
| Average earning assets | $6,621,402,000 | 183 |
| Average equity | $935,956,200 | 173 |
| Average total loans | $6,012,713,400 | 168 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 995 |
| Cost of funding earning assets | 1.0318% | 682 |
| Net interest margin | 3.7025% | 1,932 |
| Noninterest income to average assets | 0.2004% | 4,276 |
| Noninterest expense to average assets | 1.7692% | 4,544 |
| Loan and lease loss provision to assets | 0.6733% | 333 |
| Net operating income to assets | 0.9491% | 2,525 |
| Return on assets (ROA) | 0.9529% | 2,643 |
| Pretax return on assets | 1.1648% | 2,507 |
| Return on Equity (ROE) | 7.3879% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.8073% | 2,181 |
| Net charge-offs to loans | 0.0006% | 3,225 |
| Credit loss provision to net charge-offs | 138,461.5385% | 6 |
| Earnings coverage of net charge-offs (x) | 3,770.5385% | 16 |
| Efficiency ratio | 48.1054% | 4,604 |
| Assets per employee ($millions) | 18.2129% | 108 |
| Cash dividends to net income (ytd only)* | 21.3948% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 2,742 |
| Loan loss allowance to noncurrent loans | 94.8469% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0512% | 1,033 |
| Noncurrent loans to loans | 1.2509% | 1,206 |
| Net loans and leases to total assets | 83.0343% | 362 |
| Net loans and leases to deposits | 105.1014% | 352 |
| Net loans and leases to core deposits | 130.2474% | 248 |
| Total domestic deposits to total assets | 79.0040% | 4,059 |
| Equity capital to assets | 13.1013% | 1,135 |
| Core capital (leverage) ratio | 10.4073% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6968% | 2,325 |
| Memoranda: | ||
| Average total assets | $7,128,879,250 | 186 |
| Average earning assets | $6,550,939,500 | 184 |
| Average equity | $919,445,000 | 172 |
| Average total loans | $5,955,637,500 | 165 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 1,126 |
| Cost of funding earning assets | 1.1323% | 647 |
| Net interest margin | 3.6847% | 2,224 |
| Noninterest income to average assets | 0.2049% | 4,252 |
| Noninterest expense to average assets | 1.9329% | 4,360 |
| Loan and lease loss provision to assets | 0.8829% | 255 |
| Net operating income to assets | 0.6739% | 3,490 |
| Return on assets (ROA) | 0.6801% | 3,571 |
| Pretax return on assets | 0.7816% | 3,642 |
| Return on Equity (ROE) | 5.3026% | 3,747 |
| Retained earnings to average equity (ytd only) | 4.2811% | 2,786 |
| Net charge-offs to loans | 0.0194% | 2,338 |
| Credit loss provision to net charge-offs | 5,448.1547% | 219 |
| Earnings coverage of net charge-offs (x) | 102.2689% | 694 |
| Efficiency ratio | 52.8031% | 4,289 |
| Assets per employee ($millions) | 18.3535% | 97 |
| Cash dividends to net income (ytd only)* | 19.2646% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,189 |
| Loan loss allowance to noncurrent loans | 97.4104% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9263% | 1,323 |
| Noncurrent loans to loans | 1.1068% | 1,419 |
| Net loans and leases to total assets | 82.7885% | 340 |
| Net loans and leases to deposits | 106.6455% | 307 |
| Net loans and leases to core deposits | 133.7732% | 219 |
| Total domestic deposits to total assets | 77.6296% | 4,238 |
| Equity capital to assets | 12.5169% | 1,369 |
| Core capital (leverage) ratio | 10.1154% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9685% | 2,625 |
| Memoranda: | ||
| Average total assets | $7,022,144,667 | 187 |
| Average earning assets | $6,451,784,667 | 184 |
| Average equity | $900,617,333 | 175 |
| Average total loans | $5,854,330,333 | 166 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 1,002 |
| Cost of funding earning assets | 1.2987% | 566 |
| Net interest margin | 3.6861% | 2,371 |
| Noninterest income to average assets | 0.1502% | 4,619 |
| Noninterest expense to average assets | 2.0853% | 4,248 |
| Loan and lease loss provision to assets | 0.9517% | 227 |
| Net operating income to assets | 0.4320% | 4,063 |
| Return on assets (ROA) | 0.4428% | 4,085 |
| Pretax return on assets | 0.5051% | 4,110 |
| Return on Equity (ROE) | 3.4064% | 4,114 |
| Retained earnings to average equity (ytd only) | 1.3017% | 3,670 |
| Net charge-offs to loans | 0.0089% | 2,243 |
| Credit loss provision to net charge-offs | 12,903.2258% | 59 |
| Earnings coverage of net charge-offs (x) | 195.8468% | 352 |
| Efficiency ratio | 57.9782% | 4,004 |
| Assets per employee ($millions) | 17.1196% | 95 |
| Cash dividends to net income (ytd only)* | 61.7864% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 4,120 |
| Loan loss allowance to noncurrent loans | 82.0158% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 1,474 |
| Noncurrent loans to loans | 1.0932% | 1,522 |
| Net loans and leases to total assets | 82.2937% | 412 |
| Net loans and leases to deposits | 108.3392% | 220 |
| Net loans and leases to core deposits | 139.4453% | 171 |
| Total domestic deposits to total assets | 75.9593% | 4,491 |
| Equity capital to assets | 12.8889% | 1,499 |
| Core capital (leverage) ratio | 10.3582% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2525% | 3,022 |
| Memoranda: | ||
| Average total assets | $6,724,863,500 | 189 |
| Average earning assets | $6,165,584,500 | 187 |
| Average equity | $874,240,000 | 178 |
| Average total loans | $5,594,256,000 | 172 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 1,715 |
| Cost of funding earning assets | 1.4384% | 486 |
| Net interest margin | 3.4753% | 3,523 |
| Noninterest income to average assets | 0.1338% | 4,805 |
| Noninterest expense to average assets | 1.5394% | 4,986 |
| Loan and lease loss provision to assets | 0.1352% | 1,579 |
| Net operating income to assets | 1.3201% | 1,615 |
| Return on assets (ROA) | 1.3209% | 1,692 |
| Pretax return on assets | 1.6652% | 1,286 |
| Return on Equity (ROE) | 10.2856% | 2,164 |
| Retained earnings to average equity (ytd only) | 6.3795% | 1,680 |
| Net charge-offs to loans | 0.0956% | 1,768 |
| Credit loss provision to net charge-offs | 170.1323% | 1,527 |
| Earnings coverage of net charge-offs (x) | 22.6425% | 1,842 |
| Efficiency ratio | 45.4012% | 4,933 |
| Assets per employee ($millions) | 17.5394% | 88 |
| Cash dividends to net income (ytd only)* | 37.9760% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 4,474 |
| Loan loss allowance to noncurrent loans | 72.8170% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 1,510 |
| Noncurrent loans to loans | 1.0218% | 1,483 |
| Net loans and leases to total assets | 82.7435% | 461 |
| Net loans and leases to deposits | 106.6727% | 274 |
| Net loans and leases to core deposits | 136.7656% | 204 |
| Total domestic deposits to total assets | 77.5677% | 4,423 |
| Equity capital to assets | 13.1312% | 1,443 |
| Core capital (leverage) ratio | 10.8063% | 2,672 |
| Tier 1 risk-based capital ratio | 11.3747% | 4,697 |
| Total risk-based capital ratio | 12.6323% | 4,571 |
| Memoranda: | ||
| Average total assets | $5,990,739,800 | 199 |
| Average earning assets | $5,524,968,600 | 193 |
| Average equity | $769,319,400 | 190 |
| Average total loans | $4,979,019,200 | 180 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 1,706 |
| Cost of funding earning assets | 1.4644% | 462 |
| Net interest margin | 3.4760% | 3,642 |
| Noninterest income to average assets | 0.1285% | 4,886 |
| Noninterest expense to average assets | 1.5705% | 5,026 |
| Loan and lease loss provision to assets | 0.1704% | 1,082 |
| Net operating income to assets | 1.2750% | 1,934 |
| Return on assets (ROA) | 1.2767% | 2,009 |
| Pretax return on assets | 1.6004% | 1,635 |
| Return on Equity (ROE) | 10.0005% | 2,428 |
| Retained earnings to average equity (ytd only) | 7.1370% | 1,793 |
| Net charge-offs to loans | 0.1022% | 1,451 |
| Credit loss provision to net charge-offs | 200.8988% | 1,304 |
| Earnings coverage of net charge-offs (x) | 20.8467% | 1,942 |
| Efficiency ratio | 46.3143% | 4,924 |
| Assets per employee ($millions) | 16.9728% | 93 |
| Cash dividends to net income (ytd only)* | 28.6332% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 4,535 |
| Loan loss allowance to noncurrent loans | 71.2453% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 1,509 |
| Noncurrent loans to loans | 1.0580% | 1,514 |
| Net loans and leases to total assets | 82.8575% | 473 |
| Net loans and leases to deposits | 107.0008% | 290 |
| Net loans and leases to core deposits | 137.8084% | 207 |
| Total domestic deposits to total assets | 77.4363% | 4,451 |
| Equity capital to assets | 13.0086% | 1,619 |
| Core capital (leverage) ratio | 10.6806% | 2,947 |
| Tier 1 risk-based capital ratio | 11.2311% | 4,804 |
| Total risk-based capital ratio | 12.5008% | 4,692 |
| Memoranda: | ||
| Average total assets | $5,944,955,500 | 201 |
| Average earning assets | $5,491,177,000 | 196 |
| Average equity | $758,973,000 | 195 |
| Average total loans | $4,937,079,750 | 182 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 1,746 |
| Cost of funding earning assets | 1.4648% | 427 |
| Net interest margin | 3.4389% | 3,774 |
| Noninterest income to average assets | 0.1165% | 4,980 |
| Noninterest expense to average assets | 1.6906% | 4,986 |
| Loan and lease loss provision to assets | 0.1907% | 923 |
| Net operating income to assets | 1.1431% | 2,357 |
| Return on assets (ROA) | 1.1513% | 2,397 |
| Pretax return on assets | 1.4235% | 2,135 |
| Return on Equity (ROE) | 9.0781% | 2,818 |
| Retained earnings to average equity (ytd only) | 5.6141% | 2,460 |
| Net charge-offs to loans | 0.1173% | 1,257 |
| Credit loss provision to net charge-offs | 196.0784% | 1,234 |
| Earnings coverage of net charge-offs (x) | 16.4926% | 1,929 |
| Efficiency ratio | 50.5613% | 4,751 |
| Assets per employee ($millions) | 16.6910% | 84 |
| Cash dividends to net income (ytd only)* | 38.1578% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 4,624 |
| Loan loss allowance to noncurrent loans | 71.2318% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 1,619 |
| Noncurrent loans to loans | 1.0396% | 1,573 |
| Net loans and leases to total assets | 82.7119% | 514 |
| Net loans and leases to deposits | 108.3868% | 258 |
| Net loans and leases to core deposits | 141.1473% | 187 |
| Total domestic deposits to total assets | 76.3117% | 4,633 |
| Equity capital to assets | 12.7572% | 1,715 |
| Core capital (leverage) ratio | 10.4243% | 3,168 |
| Tier 1 risk-based capital ratio | 11.1163% | 4,862 |
| Total risk-based capital ratio | 12.3962% | 4,749 |
| Memoranda: | ||
| Average total assets | $5,872,902,670 | 203 |
| Average earning assets | $5,427,822,000 | 198 |
| Average equity | $744,806,330 | 197 |
| Average total loans | $4,868,201,000 | 181 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 1,586 |
| Cost of funding earning assets | 1.4154% | 430 |
| Net interest margin | 3.4856% | 3,634 |
| Noninterest income to average assets | 0.1131% | 5,036 |
| Noninterest expense to average assets | 1.9503% | 4,731 |
| Loan and lease loss provision to assets | 0.3128% | 405 |
| Net operating income to assets | 0.9017% | 3,230 |
| Return on assets (ROA) | 0.9104% | 3,240 |
| Pretax return on assets | 1.0837% | 3,194 |
| Return on Equity (ROE) | 7.2012% | 3,591 |
| Retained earnings to average equity (ytd only) | 5.3319% | 2,763 |
| Net charge-offs to loans | 0.2183% | 644 |
| Credit loss provision to net charge-offs | 173.3436% | 1,140 |
| Earnings coverage of net charge-offs (x) | 7.6822% | 2,118 |
| Efficiency ratio | 57.6955% | 4,119 |
| Assets per employee ($millions) | 16.7078% | 78 |
| Cash dividends to net income (ytd only)* | 25.9582% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7412% | 4,686 |
| Loan loss allowance to noncurrent loans | 69.3758% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 1,610 |
| Noncurrent loans to loans | 1.0683% | 1,560 |
| Net loans and leases to total assets | 81.6134% | 633 |
| Net loans and leases to deposits | 106.9803% | 292 |
| Net loans and leases to core deposits | 138.0312% | 206 |
| Total domestic deposits to total assets | 76.2882% | 4,729 |
| Equity capital to assets | 12.6083% | 1,679 |
| Core capital (leverage) ratio | 10.4258% | 3,137 |
| Tier 1 risk-based capital ratio | 11.1743% | 4,899 |
| Total risk-based capital ratio | 12.4633% | 4,787 |
| Memoranda: | ||
| Average total assets | $5,754,898,500 | 205 |
| Average earning assets | $5,321,954,500 | 200 |
| Average equity | $727,546,000 | 200 |
| Average total loans | $4,757,055,500 | 184 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 2,638 |
| Cost of funding earning assets | 1.0955% | 502 |
| Net interest margin | 3.3440% | 4,141 |
| Noninterest income to average assets | 0.1088% | 5,125 |
| Noninterest expense to average assets | 1.3359% | 5,288 |
| Loan and lease loss provision to assets | 0.4001% | 338 |
| Net operating income to assets | 1.2545% | 1,963 |
| Return on assets (ROA) | 1.2502% | 1,968 |
| Pretax return on assets | 1.4547% | 1,934 |
| Return on Equity (ROE) | 10.0329% | 2,504 |
| Retained earnings to average equity (ytd only) | 7.4918% | 1,462 |
| Net charge-offs to loans | 0.4102% | 448 |
| Credit loss provision to net charge-offs | 117.9166% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.4812% | 3,191 |
| Efficiency ratio | 41.4316% | 5,255 |
| Assets per employee ($millions) | 17.5613% | 67 |
| Cash dividends to net income (ytd only)* | 25.3280% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 4,627 |
| Loan loss allowance to noncurrent loans | 65.3321% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 1,392 |
| Noncurrent loans to loans | 1.1782% | 1,366 |
| Net loans and leases to total assets | 82.5063% | 588 |
| Net loans and leases to deposits | 109.5275% | 263 |
| Net loans and leases to core deposits | 143.8481% | 168 |
| Total domestic deposits to total assets | 75.3293% | 4,836 |
| Equity capital to assets | 12.6798% | 1,495 |
| Core capital (leverage) ratio | 10.7782% | 2,754 |
| Tier 1 risk-based capital ratio | 11.3702% | 4,784 |
| Total risk-based capital ratio | 12.7537% | 4,627 |
| Memoranda: | ||
| Average total assets | $5,273,785,000 | 216 |
| Average earning assets | $4,868,202,000 | 213 |
| Average equity | $657,184,600 | 202 |
| Average total loans | $4,361,913,800 | 189 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 2,638 |
| Cost of funding earning assets | 1.0427% | 493 |
| Net interest margin | 3.3531% | 4,150 |
| Noninterest income to average assets | 0.1078% | 5,187 |
| Noninterest expense to average assets | 1.3308% | 5,356 |
| Loan and lease loss provision to assets | 0.5102% | 218 |
| Net operating income to assets | 1.1754% | 2,336 |
| Return on assets (ROA) | 1.1682% | 2,383 |
| Pretax return on assets | 1.3505% | 2,424 |
| Return on Equity (ROE) | 9.4179% | 2,893 |
| Retained earnings to average equity (ytd only) | 7.0941% | 2,080 |
| Net charge-offs to loans | 0.5250% | 291 |
| Credit loss provision to net charge-offs | 117.6540% | 2,009 |
| Earnings coverage of net charge-offs (x) | 4.3100% | 3,076 |
| Efficiency ratio | 41.2054% | 5,300 |
| Assets per employee ($millions) | 17.4288% | 66 |
| Cash dividends to net income (ytd only)* | 24.6741% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 4,692 |
| Loan loss allowance to noncurrent loans | 63.5695% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 1,423 |
| Noncurrent loans to loans | 1.2249% | 1,376 |
| Net loans and leases to total assets | 82.4878% | 630 |
| Net loans and leases to deposits | 110.4910% | 274 |
| Net loans and leases to core deposits | 146.2661% | 162 |
| Total domestic deposits to total assets | 74.6556% | 4,922 |
| Equity capital to assets | 12.5803% | 1,534 |
| Core capital (leverage) ratio | 10.6416% | 2,944 |
| Tier 1 risk-based capital ratio | 11.1788% | 4,958 |
| Total risk-based capital ratio | 12.5739% | 4,780 |
| Memoranda: | ||
| Average total assets | $5,226,838,750 | 214 |
| Average earning assets | $4,819,700,000 | 212 |
| Average equity | $648,351,750 | 201 |
| Average total loans | $4,317,119,250 | 188 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 2,622 |
| Cost of funding earning assets | 0.9945% | 479 |
| Net interest margin | 3.3471% | 4,113 |
| Noninterest income to average assets | 0.1079% | 5,248 |
| Noninterest expense to average assets | 1.3128% | 5,428 |
| Loan and lease loss provision to assets | 0.7298% | 134 |
| Net operating income to assets | 0.9514% | 3,226 |
| Return on assets (ROA) | 0.9426% | 3,269 |
| Pretax return on assets | 1.1373% | 3,174 |
| Return on Equity (ROE) | 7.6364% | 3,654 |
| Retained earnings to average equity (ytd only) | 4.9149% | 3,117 |
| Net charge-offs to loans | 0.7990% | 172 |
| Credit loss provision to net charge-offs | 110.8244% | 1,887 |
| Earnings coverage of net charge-offs (x) | 2.8515% | 2,942 |
| Efficiency ratio | 40.7375% | 5,383 |
| Assets per employee ($millions) | 17.4084% | 64 |
| Cash dividends to net income (ytd only)* | 35.6382% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 4,782 |
| Loan loss allowance to noncurrent loans | 66.9844% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 0.9712% | 1,554 |
| Noncurrent loans to loans | 1.1500% | 1,517 |
| Net loans and leases to total assets | 82.0374% | 708 |
| Net loans and leases to deposits | 110.2613% | 271 |
| Net loans and leases to core deposits | 146.6990% | 143 |
| Total domestic deposits to total assets | 74.4027% | 5,012 |
| Equity capital to assets | 12.4740% | 1,549 |
| Core capital (leverage) ratio | 10.4263% | 3,105 |
| Tier 1 risk-based capital ratio | 11.0169% | 5,048 |
| Total risk-based capital ratio | 12.4191% | 4,866 |
| Memoranda: | ||
| Average total assets | $5,179,759,000 | 214 |
| Average earning assets | $4,770,409,670 | 211 |
| Average equity | $639,362,670 | 201 |
| Average total loans | $4,268,573,330 | 192 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 2,632 |
| Cost of funding earning assets | 0.9311% | 513 |
| Net interest margin | 3.3400% | 4,076 |
| Noninterest income to average assets | 0.1097% | 5,292 |
| Noninterest expense to average assets | 1.3201% | 5,493 |
| Loan and lease loss provision to assets | 1.3873% | 59 |
| Net operating income to assets | 0.4428% | 4,834 |
| Return on assets (ROA) | 0.4290% | 4,870 |
| Pretax return on assets | 0.4636% | 4,937 |
| Return on Equity (ROE) | 3.4943% | 4,891 |
| Retained earnings to average equity (ytd only) | 1.8436% | 4,401 |
| Net charge-offs to loans | 1.6122% | 85 |
| Credit loss provision to net charge-offs | 104.5890% | 1,498 |
| Earnings coverage of net charge-offs (x) | 1.4066% | 2,560 |
| Efficiency ratio | 41.0231% | 5,433 |
| Assets per employee ($millions) | 16.9088% | 67 |
| Cash dividends to net income (ytd only)* | 47.2384% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 4,876 |
| Loan loss allowance to noncurrent loans | 64.4598% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 1,568 |
| Noncurrent loans to loans | 1.1878% | 1,539 |
| Net loans and leases to total assets | 81.7505% | 692 |
| Net loans and leases to deposits | 111.9354% | 210 |
| Net loans and leases to core deposits | 149.1244% | 132 |
| Total domestic deposits to total assets | 73.0337% | 5,220 |
| Equity capital to assets | 12.5268% | 1,471 |
| Core capital (leverage) ratio | 10.1990% | 3,307 |
| Tier 1 risk-based capital ratio | 10.9054% | 5,185 |
| Total risk-based capital ratio | 12.3069% | 5,007 |
| Memoranda: | ||
| Average total assets | $5,132,269,000 | 213 |
| Average earning assets | $4,726,946,000 | 211 |
| Average equity | $630,057,500 | 203 |
| Average total loans | $4,222,433,000 | 192 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,667 |
| Cost of funding earning assets | 0.7658% | 759 |
| Net interest margin | 3.4407% | 3,722 |
| Noninterest income to average assets | 0.1405% | 5,250 |
| Noninterest expense to average assets | 1.6746% | 5,355 |
| Loan and lease loss provision to assets | 0.1276% | 1,796 |
| Net operating income to assets | 0.9657% | 2,377 |
| Return on assets (ROA) | 0.9878% | 2,336 |
| Pretax return on assets | 1.5256% | 1,539 |
| Return on Equity (ROE) | 7.7770% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.6008% | 1,773 |
| Net charge-offs to loans | -0.0001% | 4,467 |
| Credit loss provision to net charge-offs | -150,000.0000% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3728% | 5,199 |
| Assets per employee ($millions) | 16.8559% | 67 |
| Cash dividends to net income (ytd only)* | 27.9823% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 4,938 |
| Loan loss allowance to noncurrent loans | 47.1900% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3278% | 1,087 |
| Noncurrent loans to loans | 1.6032% | 1,041 |
| Net loans and leases to total assets | 81.5405% | 749 |
| Net loans and leases to deposits | 109.5176% | 283 |
| Net loans and leases to core deposits | 144.3540% | 173 |
| Total domestic deposits to total assets | 74.4543% | 5,144 |
| Equity capital to assets | 12.0235% | 1,821 |
| Core capital (leverage) ratio | 9.8371% | 3,654 |
| Tier 1 risk-based capital ratio | 10.2072% | 5,479 |
| Total risk-based capital ratio | 10.8983% | 5,563 |
| Memoranda: | ||
| Average total assets | $4,703,231,200 | 216 |
| Average earning assets | $4,310,402,200 | 213 |
| Average equity | $597,376,800 | 201 |
| Average total loans | $3,835,085,400 | 196 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 2,801 |
| Cost of funding earning assets | 0.7410% | 794 |
| Net interest margin | 3.4073% | 3,822 |
| Noninterest income to average assets | 0.1328% | 5,340 |
| Noninterest expense to average assets | 1.8018% | 5,272 |
| Loan and lease loss provision to assets | 0.1159% | 1,865 |
| Net operating income to assets | 0.9817% | 2,636 |
| Return on assets (ROA) | 1.0159% | 2,523 |
| Pretax return on assets | 1.3812% | 2,167 |
| Return on Equity (ROE) | 7.8818% | 3,189 |
| Retained earnings to average equity (ytd only) | 5.8589% | 2,330 |
| Net charge-offs to loans | -0.0045% | 4,436 |
| Credit loss provision to net charge-offs | -3,174.6032% | 5,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9006% | 4,860 |
| Assets per employee ($millions) | 16.2538% | 71 |
| Cash dividends to net income (ytd only)* | 25.6652% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 5,018 |
| Loan loss allowance to noncurrent loans | 45.6770% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.3501% | 1,178 |
| Noncurrent loans to loans | 1.6436% | 1,120 |
| Net loans and leases to total assets | 81.5255% | 762 |
| Net loans and leases to deposits | 108.7557% | 315 |
| Net loans and leases to core deposits | 141.0878% | 191 |
| Total domestic deposits to total assets | 74.9621% | 5,131 |
| Equity capital to assets | 12.5403% | 1,638 |
| Core capital (leverage) ratio | 10.1121% | 3,430 |
| Tier 1 risk-based capital ratio | 10.5363% | 5,436 |
| Total risk-based capital ratio | 11.2186% | 5,570 |
| Memoranda: | ||
| Average total assets | $4,602,203,500 | 220 |
| Average earning assets | $4,213,945,000 | 219 |
| Average equity | $593,200,250 | 204 |
| Average total loans | $3,744,781,500 | 201 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0996% | 2,829 |
| Cost of funding earning assets | 0.7213% | 793 |
| Net interest margin | 3.3783% | 3,843 |
| Noninterest income to average assets | 0.1251% | 5,423 |
| Noninterest expense to average assets | 1.9263% | 5,136 |
| Loan and lease loss provision to assets | 0.1128% | 1,816 |
| Net operating income to assets | 0.8838% | 2,997 |
| Return on assets (ROA) | 0.9368% | 2,795 |
| Pretax return on assets | 1.2464% | 2,605 |
| Return on Equity (ROE) | 7.1980% | 3,454 |
| Retained earnings to average equity (ytd only) | 4.9889% | 2,719 |
| Net charge-offs to loans | -0.0058% | 4,372 |
| Credit loss provision to net charge-offs | -2,383.1776% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3864% | 4,411 |
| Assets per employee ($millions) | 16.3643% | 70 |
| Cash dividends to net income (ytd only)* | 30.6908% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 5,097 |
| Loan loss allowance to noncurrent loans | 41.4674% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.4758% | 1,044 |
| Noncurrent loans to loans | 1.7964% | 1,006 |
| Net loans and leases to total assets | 80.8578% | 828 |
| Net loans and leases to deposits | 110.0470% | 261 |
| Net loans and leases to core deposits | 137.0955% | 217 |
| Total domestic deposits to total assets | 73.4756% | 5,333 |
| Equity capital to assets | 12.7172% | 1,516 |
| Core capital (leverage) ratio | 10.3447% | 3,083 |
| Tier 1 risk-based capital ratio | 10.6432% | 5,404 |
| Total risk-based capital ratio | 11.3160% | 5,561 |
| Memoranda: | ||
| Average total assets | $4,521,723,330 | 224 |
| Average earning assets | $4,135,650,670 | 224 |
| Average equity | $588,465,000 | 207 |
| Average total loans | $3,666,817,000 | 204 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 2,891 |
| Cost of funding earning assets | 0.7022% | 835 |
| Net interest margin | 3.3409% | 3,877 |
| Noninterest income to average assets | 0.1266% | 5,489 |
| Noninterest expense to average assets | 1.6431% | 5,521 |
| Loan and lease loss provision to assets | 0.0990% | 1,910 |
| Net operating income to assets | 1.0388% | 2,123 |
| Return on assets (ROA) | 1.1422% | 1,741 |
| Pretax return on assets | 1.5847% | 1,275 |
| Return on Equity (ROE) | 8.6727% | 2,575 |
| Retained earnings to average equity (ytd only) | 6.9636% | 1,860 |
| Net charge-offs to loans | -0.0063% | 4,253 |
| Credit loss provision to net charge-offs | -1,929.8246% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0735% | 5,324 |
| Assets per employee ($millions) | 16.1584% | 70 |
| Cash dividends to net income (ytd only)* | 19.7068% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7403% | 5,226 |
| Loan loss allowance to noncurrent loans | 34.8156% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.7456% | 841 |
| Noncurrent loans to loans | 2.1263% | 819 |
| Net loans and leases to total assets | 80.8798% | 713 |
| Net loans and leases to deposits | 107.2773% | 280 |
| Net loans and leases to core deposits | 136.8628% | 194 |
| Total domestic deposits to total assets | 75.3932% | 5,299 |
| Equity capital to assets | 13.2330% | 1,169 |
| Core capital (leverage) ratio | 10.4959% | 2,906 |
| Tier 1 risk-based capital ratio | 11.0298% | 5,290 |
| Total risk-based capital ratio | 11.6978% | 5,487 |
| Memoranda: | ||
| Average total assets | $4,442,491,000 | 232 |
| Average earning assets | $4,064,468,500 | 227 |
| Average equity | $585,102,000 | 206 |
| Average total loans | $3,593,877,500 | 208 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 2,545 |
| Cost of funding earning assets | 0.7217% | 737 |
| Net interest margin | 3.4601% | 3,585 |
| Noninterest income to average assets | 0.1316% | 5,529 |
| Noninterest expense to average assets | 1.3851% | 5,782 |
| Loan and lease loss provision to assets | 0.9162% | 117 |
| Net operating income to assets | 0.7384% | 3,597 |
| Return on assets (ROA) | 0.8126% | 3,356 |
| Pretax return on assets | 1.0914% | 3,138 |
| Return on Equity (ROE) | 6.3439% | 3,816 |
| Retained earnings to average equity (ytd only) | 4.0522% | 3,034 |
| Net charge-offs to loans | 1.1797% | 144 |
| Credit loss provision to net charge-offs | 97.9053% | 2,646 |
| Earnings coverage of net charge-offs (x) | 2.0383% | 3,896 |
| Efficiency ratio | 41.4786% | 5,761 |
| Assets per employee ($millions) | 16.2097% | 70 |
| Cash dividends to net income (ytd only)* | 36.1242% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 5,310 |
| Loan loss allowance to noncurrent loans | 34.7558% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.6880% | 914 |
| Noncurrent loans to loans | 2.0843% | 847 |
| Net loans and leases to total assets | 79.7262% | 929 |
| Net loans and leases to deposits | 105.2760% | 376 |
| Net loans and leases to core deposits | 135.7002% | 219 |
| Total domestic deposits to total assets | 75.7307% | 5,267 |
| Equity capital to assets | 13.1077% | 1,216 |
| Core capital (leverage) ratio | 10.3388% | 3,059 |
| Tier 1 risk-based capital ratio | 10.9771% | 5,356 |
| Total risk-based capital ratio | 11.6281% | 5,564 |
| Memoranda: | ||
| Average total assets | $4,224,104,200 | 225 |
| Average earning assets | $3,858,752,600 | 223 |
| Average equity | $541,083,600 | 206 |
| Average total loans | $3,350,645,000 | 211 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 2,542 |
| Cost of funding earning assets | 0.7193% | 743 |
| Net interest margin | 3.4728% | 3,574 |
| Noninterest income to average assets | 0.1273% | 5,612 |
| Noninterest expense to average assets | 1.3818% | 5,830 |
| Loan and lease loss provision to assets | 0.4312% | 318 |
| Net operating income to assets | 1.0407% | 2,243 |
| Return on assets (ROA) | 1.1353% | 1,974 |
| Pretax return on assets | 1.6217% | 1,325 |
| Return on Equity (ROE) | 8.9183% | 2,545 |
| Retained earnings to average equity (ytd only) | 6.7929% | 1,726 |
| Net charge-offs to loans | 0.0993% | 1,954 |
| Credit loss provision to net charge-offs | 549.4505% | 660 |
| Earnings coverage of net charge-offs (x) | 24.4326% | 1,674 |
| Efficiency ratio | 41.2724% | 5,803 |
| Assets per employee ($millions) | 16.5776% | 64 |
| Cash dividends to net income (ytd only)* | 23.8316% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,904 |
| Loan loss allowance to noncurrent loans | 225.3745% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 3,824 |
| Noncurrent loans to loans | 0.4823% | 3,564 |
| Net loans and leases to total assets | 79.1119% | 1,020 |
| Net loans and leases to deposits | 104.5907% | 426 |
| Net loans and leases to core deposits | 135.7356% | 234 |
| Total domestic deposits to total assets | 75.6396% | 5,272 |
| Equity capital to assets | 12.7106% | 1,638 |
| Core capital (leverage) ratio | 9.5678% | 4,098 |
| Tier 1 risk-based capital ratio | 10.5760% | 5,583 |
| Total risk-based capital ratio | 11.5671% | 5,621 |
| Memoranda: | ||
| Average total assets | $4,173,815,500 | 227 |
| Average earning assets | $3,812,426,250 | 224 |
| Average equity | $531,342,500 | 206 |
| Average total loans | $3,299,847,000 | 214 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 2,595 |
| Cost of funding earning assets | 0.7021% | 796 |
| Net interest margin | 3.4702% | 3,613 |
| Noninterest income to average assets | 0.1274% | 5,680 |
| Noninterest expense to average assets | 1.3925% | 5,902 |
| Loan and lease loss provision to assets | 0.3274% | 512 |
| Net operating income to assets | 1.1060% | 1,936 |
| Return on assets (ROA) | 1.1095% | 2,043 |
| Pretax return on assets | 1.5840% | 1,416 |
| Return on Equity (ROE) | 8.7105% | 2,631 |
| Retained earnings to average equity (ytd only) | 6.3987% | 1,917 |
| Net charge-offs to loans | 0.0344% | 2,761 |
| Credit loss provision to net charge-offs | 1,207.5134% | 318 |
| Earnings coverage of net charge-offs (x) | 70.3041% | 773 |
| Efficiency ratio | 41.5719% | 5,871 |
| Assets per employee ($millions) | 16.0896% | 70 |
| Cash dividends to net income (ytd only)* | 26.5402% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 4,666 |
| Loan loss allowance to noncurrent loans | 149.5276% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 3,337 |
| Noncurrent loans to loans | 0.6490% | 3,126 |
| Net loans and leases to total assets | 78.4104% | 1,145 |
| Net loans and leases to deposits | 104.2446% | 451 |
| Net loans and leases to core deposits | 133.8514% | 253 |
| Total domestic deposits to total assets | 75.2177% | 5,386 |
| Equity capital to assets | 12.5271% | 1,753 |
| Core capital (leverage) ratio | 9.6200% | 4,039 |
| Tier 1 risk-based capital ratio | 10.4263% | 5,704 |
| Total risk-based capital ratio | 11.3012% | 5,780 |
| Memoranda: | ||
| Average total assets | $4,122,838,000 | 229 |
| Average earning assets | $3,767,978,670 | 226 |
| Average equity | $525,138,330 | 210 |
| Average total loans | $3,246,266,670 | 216 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1670% | 2,599 |
| Cost of funding earning assets | 0.6915% | 843 |
| Net interest margin | 3.4756% | 3,572 |
| Noninterest income to average assets | 0.1174% | 5,758 |
| Noninterest expense to average assets | 1.4168% | 5,954 |
| Loan and lease loss provision to assets | 0.2961% | 535 |
| Net operating income to assets | 1.1056% | 1,875 |
| Return on assets (ROA) | 1.1056% | 1,981 |
| Pretax return on assets | 1.5772% | 1,355 |
| Return on Equity (ROE) | 8.6055% | 2,607 |
| Retained earnings to average equity (ytd only) | 6.8308% | 1,965 |
| Net charge-offs to loans | 0.0626% | 1,868 |
| Credit loss provision to net charge-offs | 602.4096% | 523 |
| Earnings coverage of net charge-offs (x) | 38.1104% | 1,039 |
| Efficiency ratio | 42.4114% | 5,912 |
| Assets per employee ($millions) | 15.6106% | 78 |
| Cash dividends to net income (ytd only)* | 20.6232% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 5,089 |
| Loan loss allowance to noncurrent loans | 103.5325% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 2,894 |
| Noncurrent loans to loans | 0.8604% | 2,695 |
| Net loans and leases to total assets | 79.0895% | 938 |
| Net loans and leases to deposits | 111.6715% | 194 |
| Net loans and leases to core deposits | 147.1297% | 120 |
| Total domestic deposits to total assets | 70.8233% | 5,833 |
| Equity capital to assets | 12.8450% | 1,484 |
| Core capital (leverage) ratio | 9.8345% | 3,736 |
| Tier 1 risk-based capital ratio | 10.4480% | 5,773 |
| Total risk-based capital ratio | 11.2431% | 5,871 |
| Memoranda: | ||
| Average total assets | $4,052,386,000 | 232 |
| Average earning assets | $3,699,429,000 | 229 |
| Average equity | $520,645,500 | 211 |
| Average total loans | $3,181,410,000 | 213 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1839% | 2,609 |
| Cost of funding earning assets | 0.6560% | 1,037 |
| Net interest margin | 3.5278% | 3,421 |
| Noninterest income to average assets | 0.1941% | 5,422 |
| Noninterest expense to average assets | 1.4760% | 5,996 |
| Loan and lease loss provision to assets | 0.3415% | 442 |
| Net operating income to assets | 1.0925% | 1,959 |
| Return on assets (ROA) | 1.1651% | 1,759 |
| Pretax return on assets | 1.7049% | 984 |
| Return on Equity (ROE) | 8.8178% | 2,550 |
| Retained earnings to average equity (ytd only) | 6.6732% | 1,453 |
| Net charge-offs to loans | 0.0069% | 4,205 |
| Credit loss provision to net charge-offs | 6,531.0881% | 52 |
| Earnings coverage of net charge-offs (x) | 370.9793% | 179 |
| Efficiency ratio | 42.4855% | 6,015 |
| Assets per employee ($millions) | 14.9806% | 82 |
| Cash dividends to net income (ytd only)* | 24.3211% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 5,243 |
| Loan loss allowance to noncurrent loans | 110.6752% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 3,061 |
| Noncurrent loans to loans | 0.7747% | 2,850 |
| Net loans and leases to total assets | 76.5278% | 1,328 |
| Net loans and leases to deposits | 109.5021% | 256 |
| Net loans and leases to core deposits | 146.2143% | 130 |
| Total domestic deposits to total assets | 69.8870% | 5,902 |
| Equity capital to assets | 12.8508% | 1,434 |
| Core capital (leverage) ratio | 9.9645% | 3,558 |
| Tier 1 risk-based capital ratio | 10.5542% | 5,750 |
| Total risk-based capital ratio | 11.3061% | 5,876 |
| Memoranda: | ||
| Average total assets | $3,691,404,800 | 238 |
| Average earning assets | $3,370,809,800 | 235 |
| Average equity | $487,742,400 | 214 |
| Average total loans | $2,799,912,400 | 222 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 2,580 |
| Cost of funding earning assets | 0.6526% | 1,077 |
| Net interest margin | 3.5450% | 3,361 |
| Noninterest income to average assets | 0.2204% | 5,335 |
| Noninterest expense to average assets | 1.5105% | 6,039 |
| Loan and lease loss provision to assets | 0.2788% | 563 |
| Net operating income to assets | 1.1354% | 1,881 |
| Return on assets (ROA) | 1.2055% | 1,704 |
| Pretax return on assets | 1.7709% | 947 |
| Return on Equity (ROE) | 9.0550% | 2,545 |
| Retained earnings to average equity (ytd only) | 7.1905% | 1,606 |
| Net charge-offs to loans | 0.0087% | 3,862 |
| Credit loss provision to net charge-offs | 4,265.5367% | 99 |
| Earnings coverage of net charge-offs (x) | 297.8187% | 242 |
| Efficiency ratio | 42.9458% | 6,062 |
| Assets per employee ($millions) | 14.6429% | 88 |
| Cash dividends to net income (ytd only)* | 20.5906% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7289% | 5,661 |
| Loan loss allowance to noncurrent loans | 127.4293% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 3,742 |
| Noncurrent loans to loans | 0.5720% | 3,621 |
| Net loans and leases to total assets | 76.4469% | 1,323 |
| Net loans and leases to deposits | 109.3711% | 265 |
| Net loans and leases to core deposits | 147.6070% | 119 |
| Total domestic deposits to total assets | 69.8969% | 5,976 |
| Equity capital to assets | 13.3045% | 1,306 |
| Core capital (leverage) ratio | 10.2159% | 3,353 |
| Tier 1 risk-based capital ratio | 10.8343% | 5,741 |
| Total risk-based capital ratio | 11.4721% | 5,917 |
| Memoranda: | ||
| Average total assets | $3,610,556,750 | 246 |
| Average earning assets | $3,296,542,250 | 246 |
| Average equity | $480,694,500 | 220 |
| Average total loans | $2,725,138,750 | 229 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 2,559 |
| Cost of funding earning assets | 0.6510% | 1,092 |
| Net interest margin | 3.5423% | 3,327 |
| Noninterest income to average assets | 0.2392% | 5,246 |
| Noninterest expense to average assets | 1.5616% | 6,078 |
| Loan and lease loss provision to assets | 0.1909% | 1,045 |
| Net operating income to assets | 1.1594% | 1,748 |
| Return on assets (ROA) | 1.1874% | 1,708 |
| Pretax return on assets | 1.7577% | 960 |
| Return on Equity (ROE) | 8.9162% | 2,597 |
| Retained earnings to average equity (ytd only) | 7.0316% | 1,693 |
| Net charge-offs to loans | 0.0042% | 3,756 |
| Credit loss provision to net charge-offs | 6,136.3636% | 77 |
| Earnings coverage of net charge-offs (x) | 613.0545% | 107 |
| Efficiency ratio | 44.2272% | 6,104 |
| Assets per employee ($millions) | 13.8531% | 98 |
| Cash dividends to net income (ytd only)* | 21.1359% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6321% | 5,921 |
| Loan loss allowance to noncurrent loans | 103.3891% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 3,929 |
| Noncurrent loans to loans | 0.6114% | 3,641 |
| Net loans and leases to total assets | 75.1374% | 1,487 |
| Net loans and leases to deposits | 106.3019% | 366 |
| Net loans and leases to core deposits | 122.2078% | 414 |
| Total domestic deposits to total assets | 70.6831% | 6,007 |
| Equity capital to assets | 13.7394% | 1,079 |
| Core capital (leverage) ratio | 10.4732% | 2,999 |
| Tier 1 risk-based capital ratio | 11.1824% | 5,625 |
| Total risk-based capital ratio | 11.7313% | 5,871 |
| Memoranda: | ||
| Average total assets | $3,535,263,670 | 250 |
| Average earning assets | $3,223,567,330 | 252 |
| Average equity | $470,786,000 | 225 |
| Average total loans | $2,648,728,000 | 237 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 2,395 |
| Cost of funding earning assets | 0.6359% | 1,198 |
| Net interest margin | 3.5790% | 3,082 |
| Noninterest income to average assets | 0.1180% | 6,007 |
| Noninterest expense to average assets | 1.4541% | 6,205 |
| Loan and lease loss provision to assets | 0.2101% | 854 |
| Net operating income to assets | 1.1599% | 1,664 |
| Return on assets (ROA) | 1.1996% | 1,646 |
| Pretax return on assets | 1.7766% | 903 |
| Return on Equity (ROE) | 9.1608% | 2,375 |
| Retained earnings to average equity (ytd only) | 7.2634% | 1,879 |
| Net charge-offs to loans | 0.0080% | 3,058 |
| Credit loss provision to net charge-offs | 3,509.6154% | 109 |
| Earnings coverage of net charge-offs (x) | 322.1154% | 173 |
| Efficiency ratio | 42.1681% | 6,230 |
| Assets per employee ($millions) | 13.7886% | 99 |
| Cash dividends to net income (ytd only)* | 20.7122% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6030% | 6,060 |
| Loan loss allowance to noncurrent loans | 104.6640% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 4,193 |
| Noncurrent loans to loans | 0.5762% | 3,856 |
| Net loans and leases to total assets | 74.9847% | 1,360 |
| Net loans and leases to deposits | 105.1823% | 338 |
| Net loans and leases to core deposits | 121.0407% | 386 |
| Total domestic deposits to total assets | 71.2902% | 6,073 |
| Equity capital to assets | 13.1254% | 1,335 |
| Core capital (leverage) ratio | 9.4059% | 4,422 |
| Tier 1 risk-based capital ratio | 10.2432% | 6,101 |
| Total risk-based capital ratio | 10.7730% | 6,247 |
| Memoranda: | ||
| Average total assets | $3,474,292,000 | 252 |
| Average earning assets | $3,169,006,500 | 250 |
| Average equity | $454,939,000 | 230 |
| Average total loans | $2,590,386,000 | 237 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 1,345 |
| Cost of funding earning assets | 0.7278% | 965 |
| Net interest margin | 3.9568% | 2,021 |
| Noninterest income to average assets | 0.2095% | 5,607 |
| Noninterest expense to average assets | 2.4979% | 4,557 |
| Loan and lease loss provision to assets | 0.2158% | 1,153 |
| Net operating income to assets | 0.7950% | 3,399 |
| Return on assets (ROA) | 0.8833% | 3,042 |
| Pretax return on assets | 1.2967% | 2,251 |
| Return on Equity (ROE) | 7.4048% | 3,413 |
| Retained earnings to average equity (ytd only) | 4.2850% | 3,139 |
| Net charge-offs to loans | 0.0493% | 3,842 |
| Credit loss provision to net charge-offs | 547.0794% | 484 |
| Earnings coverage of net charge-offs (x) | 35.0491% | 1,199 |
| Efficiency ratio | 64.3690% | 4,540 |
| Assets per employee ($millions) | 13.4096% | 101 |
| Cash dividends to net income (ytd only)* | 42.1319% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5578% | 6,197 |
| Loan loss allowance to noncurrent loans | 110.4524% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 4,477 |
| Noncurrent loans to loans | 0.5050% | 4,150 |
| Net loans and leases to total assets | 73.2525% | 1,715 |
| Net loans and leases to deposits | 101.9517% | 515 |
| Net loans and leases to core deposits | 134.2696% | 208 |
| Total domestic deposits to total assets | 71.8502% | 6,095 |
| Equity capital to assets | 13.0630% | 1,342 |
| Core capital (leverage) ratio | 9.3343% | 4,486 |
| Tier 1 risk-based capital ratio | 10.3776% | 6,152 |
| Total risk-based capital ratio | 10.8741% | 6,312 |
| Memoranda: | ||
| Average total assets | $2,169,861,000 | 346 |
| Average earning assets | $2,013,154,400 | 337 |
| Average equity | $258,833,200 | 323 |
| Average total loans | $1,737,603,400 | 294 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 1,288 |
| Cost of funding earning assets | 0.7812% | 759 |
| Net interest margin | 3.9276% | 2,127 |
| Noninterest income to average assets | 0.2342% | 5,533 |
| Noninterest expense to average assets | 2.8145% | 3,406 |
| Loan and lease loss provision to assets | 0.1591% | 1,566 |
| Net operating income to assets | 0.6953% | 3,964 |
| Return on assets (ROA) | 0.8073% | 3,494 |
| Pretax return on assets | 1.0847% | 3,248 |
| Return on Equity (ROE) | 7.0812% | 3,667 |
| Retained earnings to average equity (ytd only) | 2.6414% | 4,713 |
| Net charge-offs to loans | 0.0368% | 3,753 |
| Credit loss provision to net charge-offs | 520.9906% | 546 |
| Earnings coverage of net charge-offs (x) | 35.7688% | 1,212 |
| Efficiency ratio | 72.0360% | 3,170 |
| Assets per employee ($millions) | 14.0429% | 91 |
| Cash dividends to net income (ytd only)* | 62.6986% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4992% | 6,342 |
| Loan loss allowance to noncurrent loans | 199.2109% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 5,324 |
| Noncurrent loans to loans | 0.2506% | 5,154 |
| Net loans and leases to total assets | 71.9721% | 1,855 |
| Net loans and leases to deposits | 97.9881% | 738 |
| Net loans and leases to core deposits | 128.0009% | 255 |
| Total domestic deposits to total assets | 73.4498% | 6,059 |
| Equity capital to assets | 13.2541% | 1,299 |
| Core capital (leverage) ratio | 9.1634% | 4,829 |
| Tier 1 risk-based capital ratio | 10.5933% | 6,175 |
| Total risk-based capital ratio | 11.0388% | 6,362 |
| Memoranda: | ||
| Average total assets | $1,850,758,000 | 390 |
| Average earning assets | $1,730,723,500 | 377 |
| Average equity | $210,995,250 | 385 |
| Average total loans | $1,537,344,000 | 322 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 2,373 |
| Cost of funding earning assets | 0.6522% | 1,498 |
| Net interest margin | 3.7007% | 2,962 |
| Noninterest income to average assets | 0.1088% | 6,249 |
| Noninterest expense to average assets | 1.9266% | 5,958 |
| Loan and lease loss provision to assets | 0.3781% | 455 |
| Net operating income to assets | 0.8494% | 3,076 |
| Return on assets (ROA) | 0.8494% | 3,178 |
| Pretax return on assets | 1.3572% | 2,051 |
| Return on Equity (ROE) | 8.6121% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.6121% | 1,109 |
| Net charge-offs to loans | 0.0422% | 3,380 |
| Credit loss provision to net charge-offs | 973.2824% | 341 |
| Earnings coverage of net charge-offs (x) | 44.6718% | 976 |
| Efficiency ratio | 52.6115% | 6,021 |
| Assets per employee ($millions) | 12.1365% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 3,449 |
| Loan loss allowance to noncurrent loans | 212.1356% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 3,691 |
| Noncurrent loans to loans | 0.6508% | 4,080 |
| Net loans and leases to total assets | 89.5913% | 60 |
| Net loans and leases to deposits | 124.2958% | 58 |
| Net loans and leases to core deposits | 152.7206% | 92 |
| Total domestic deposits to total assets | 72.0791% | 6,246 |
| Equity capital to assets | 9.3670% | 4,883 |
| Core capital (leverage) ratio | 9.8436% | 3,825 |
| Tier 1 risk-based capital ratio | 10.4142% | 6,276 |
| Total risk-based capital ratio | 11.6368% | 6,241 |
| Memoranda: | ||
| Average total assets | $1,348,925,670 | 512 |
| Average earning assets | $1,295,095,000 | 486 |
| Average equity | $133,046,000 | 545 |
| Average total loans | $1,240,563,670 | 373 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 2,160 |
| Cost of funding earning assets | 0.6439% | 1,624 |
| Net interest margin | 3.7501% | 2,676 |
| Noninterest income to average assets | 0.1059% | 6,313 |
| Noninterest expense to average assets | 2.0605% | 5,764 |
| Loan and lease loss provision to assets | 0.4015% | 420 |
| Net operating income to assets | 0.8054% | 3,128 |
| Return on assets (ROA) | 0.8054% | 3,206 |
| Pretax return on assets | 1.2576% | 2,256 |
| Return on Equity (ROE) | 7.9416% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.9416% | 1,615 |
| Net charge-offs to loans | 0.0814% | 2,341 |
| Credit loss provision to net charge-offs | 532.7869% | 516 |
| Earnings coverage of net charge-offs (x) | 22.0164% | 1,270 |
| Efficiency ratio | 55.3969% | 5,885 |
| Assets per employee ($millions) | 12.8355% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 3,756 |
| Loan loss allowance to noncurrent loans | 192.5294% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7211% | 3,961 |
| Noncurrent loans to loans | 0.7100% | 4,094 |
| Net loans and leases to total assets | 91.1997% | 30 |
| Net loans and leases to deposits | 119.5834% | 77 |
| Net loans and leases to core deposits | 142.4591% | 118 |
| Total domestic deposits to total assets | 76.2646% | 6,051 |
| Equity capital to assets | 9.8633% | 4,009 |
| Core capital (leverage) ratio | 10.2549% | 3,212 |
| Tier 1 risk-based capital ratio | 10.9453% | 6,172 |
| Total risk-based capital ratio | 12.1946% | 6,132 |
| Memoranda: | ||
| Average total assets | $1,295,198,000 | 529 |
| Average earning assets | $1,248,059,000 | 499 |
| Average equity | $131,359,500 | 553 |
| Average total loans | $1,199,317,000 | 384 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 1,939 |
| Cost of funding earning assets | 0.6259% | 2,430 |
| Net interest margin | 3.9514% | 2,099 |
| Noninterest income to average assets | 0.1072% | 6,365 |
| Noninterest expense to average assets | 1.9343% | 6,134 |
| Loan and lease loss provision to assets | 0.4285% | 685 |
| Net operating income to assets | 0.9619% | 2,509 |
| Return on assets (ROA) | 0.9619% | 2,571 |
| Pretax return on assets | 1.5739% | 1,235 |
| Return on Equity (ROE) | 8.9129% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.9129% | 793 |
| Net charge-offs to loans | 0.1883% | 2,954 |
| Credit loss provision to net charge-offs | 248.3713% | 920 |
| Earnings coverage of net charge-offs (x) | 11.6059% | 2,220 |
| Efficiency ratio | 49.1351% | 6,435 |
| Assets per employee ($millions) | 11.8350% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 3,714 |
| Loan loss allowance to noncurrent loans | 174.1580% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8432% | 3,784 |
| Noncurrent loans to loans | 0.7961% | 3,989 |
| Net loans and leases to total assets | 91.4561% | 25 |
| Net loans and leases to deposits | 117.6637% | 85 |
| Net loans and leases to core deposits | 140.2792% | 132 |
| Total domestic deposits to total assets | 77.7266% | 5,866 |
| Equity capital to assets | 10.4443% | 3,230 |
| Core capital (leverage) ratio | 10.7085% | 2,669 |
| Tier 1 risk-based capital ratio | 11.6344% | 5,831 |
| Total risk-based capital ratio | 12.8842% | 5,772 |
| Memoranda: | ||
| Average total assets | $1,067,625,200 | 617 |
| Average earning assets | $1,034,709,600 | 573 |
| Average equity | $115,226,600 | 615 |
| Average total loans | $978,016,000 | 437 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 1,820 |
| Cost of funding earning assets | 0.6250% | 2,607 |
| Net interest margin | 3.9976% | 1,955 |
| Noninterest income to average assets | 0.1047% | 6,466 |
| Noninterest expense to average assets | 1.9385% | 6,120 |
| Loan and lease loss provision to assets | 0.4135% | 718 |
| Net operating income to assets | 0.9663% | 2,515 |
| Return on assets (ROA) | 0.9663% | 2,616 |
| Pretax return on assets | 1.6347% | 1,254 |
| Return on Equity (ROE) | 8.8659% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.8659% | 1,096 |
| Net charge-offs to loans | 0.2503% | 2,316 |
| Credit loss provision to net charge-offs | 181.0148% | 1,340 |
| Earnings coverage of net charge-offs (x) | 8.9669% | 2,550 |
| Efficiency ratio | 48.6248% | 6,473 |
| Assets per employee ($millions) | 11.1875% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 3,799 |
| Loan loss allowance to noncurrent loans | 156.6713% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9438% | 3,780 |
| Noncurrent loans to loans | 0.9079% | 4,004 |
| Net loans and leases to total assets | 89.9524% | 42 |
| Net loans and leases to deposits | 113.2086% | 118 |
| Net loans and leases to core deposits | 130.8115% | 181 |
| Total domestic deposits to total assets | 79.4572% | 5,639 |
| Equity capital to assets | 11.2482% | 2,511 |
| Core capital (leverage) ratio | 11.7463% | 1,855 |
| Tier 1 risk-based capital ratio | 12.8234% | 5,243 |
| Total risk-based capital ratio | 14.0741% | 5,179 |
| Memoranda: | ||
| Average total assets | $1,023,863,250 | 646 |
| Average earning assets | $994,243,000 | 602 |
| Average equity | $111,586,000 | 640 |
| Average total loans | $934,400,250 | 455 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 1,756 |
| Cost of funding earning assets | 0.6337% | 2,645 |
| Net interest margin | 3.9955% | 1,872 |
| Noninterest income to average assets | 0.1070% | 6,505 |
| Noninterest expense to average assets | 1.9561% | 6,118 |
| Loan and lease loss provision to assets | 0.3794% | 849 |
| Net operating income to assets | 0.9778% | 2,424 |
| Return on assets (ROA) | 0.9778% | 2,575 |
| Pretax return on assets | 1.6649% | 1,196 |
| Return on Equity (ROE) | 9.0832% | 2,574 |
| Retained earnings to average equity (ytd only) | 9.0832% | 1,092 |
| Net charge-offs to loans | 0.2527% | 2,208 |
| Credit loss provision to net charge-offs | 164.4737% | 1,433 |
| Earnings coverage of net charge-offs (x) | 8.8632% | 2,359 |
| Efficiency ratio | 48.8974% | 6,489 |
| Assets per employee ($millions) | 10.6236% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 3,751 |
| Loan loss allowance to noncurrent loans | 130.2497% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0837% | 3,568 |
| Noncurrent loans to loans | 1.1231% | 3,688 |
| Net loans and leases to total assets | 91.3871% | 23 |
| Net loans and leases to deposits | 114.3678% | 93 |
| Net loans and leases to core deposits | 130.6301% | 184 |
| Total domestic deposits to total assets | 79.9063% | 5,626 |
| Equity capital to assets | 12.0813% | 1,861 |
| Core capital (leverage) ratio | 12.1825% | 1,517 |
| Tier 1 risk-based capital ratio | 13.7304% | 4,621 |
| Total risk-based capital ratio | 14.9851% | 4,585 |
| Memoranda: | ||
| Average total assets | $988,506,000 | 665 |
| Average earning assets | $963,244,330 | 624 |
| Average equity | $106,415,670 | 671 |
| Average total loans | $902,177,000 | 464 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 1,721 |
| Cost of funding earning assets | 0.6485% | 2,674 |
| Net interest margin | 3.9889% | 1,834 |
| Noninterest income to average assets | 0.1009% | 6,575 |
| Noninterest expense to average assets | 1.9601% | 6,184 |
| Loan and lease loss provision to assets | 0.3824% | 830 |
| Net operating income to assets | 0.9658% | 2,369 |
| Return on assets (ROA) | 0.9658% | 2,502 |
| Pretax return on assets | 1.6442% | 1,203 |
| Return on Equity (ROE) | 9.5958% | 2,232 |
| Retained earnings to average equity (ytd only) | 9.5958% | 1,217 |
| Net charge-offs to loans | 0.2440% | 1,990 |
| Credit loss provision to net charge-offs | 173.2210% | 1,218 |
| Earnings coverage of net charge-offs (x) | 9.1798% | 1,875 |
| Efficiency ratio | 49.1652% | 6,558 |
| Assets per employee ($millions) | 10.8147% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 3,769 |
| Loan loss allowance to noncurrent loans | 181.8752% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 4,403 |
| Noncurrent loans to loans | 0.8317% | 4,458 |
| Net loans and leases to total assets | 88.2839% | 66 |
| Net loans and leases to deposits | 111.1198% | 116 |
| Net loans and leases to core deposits | 125.6520% | 208 |
| Total domestic deposits to total assets | 79.4493% | 5,884 |
| Equity capital to assets | 12.1736% | 1,923 |
| Core capital (leverage) ratio | 12.7392% | 1,222 |
| Tier 1 risk-based capital ratio | 14.1501% | 4,396 |
| Total risk-based capital ratio | 15.4054% | 4,352 |
| Memoranda: | ||
| Average total assets | $967,515,500 | 688 |
| Average earning assets | $942,520,500 | 640 |
| Average equity | $97,375,500 | 743 |
| Average total loans | $875,409,000 | 473 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 1,283 |
| Cost of funding earning assets | 0.7907% | 2,741 |
| Net interest margin | 4.3213% | 1,346 |
| Noninterest income to average assets | 0.1303% | 6,389 |
| Noninterest expense to average assets | 2.1191% | 6,085 |
| Loan and lease loss provision to assets | 0.4835% | 1,262 |
| Net operating income to assets | 1.0202% | 2,252 |
| Return on assets (ROA) | 1.0202% | 2,466 |
| Pretax return on assets | 1.7122% | 1,105 |
| Return on Equity (ROE) | 12.6934% | 1,312 |
| Retained earnings to average equity (ytd only) | 12.1236% | 313 |
| Net charge-offs to loans | 0.0486% | 5,233 |
| Credit loss provision to net charge-offs | 1,108.3333% | 236 |
| Earnings coverage of net charge-offs (x) | 50.3361% | 677 |
| Efficiency ratio | 49.1126% | 6,645 |
| Assets per employee ($millions) | 9.8857% | 249 |
| Cash dividends to net income (ytd only)* | 4.4893% | 4,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 3,477 |
| Loan loss allowance to noncurrent loans | 166.8682% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 4,243 |
| Noncurrent loans to loans | 0.9347% | 4,323 |
| Net loans and leases to total assets | 89.9642% | 46 |
| Net loans and leases to deposits | 108.6641% | 177 |
| Net loans and leases to core deposits | 119.8594% | 284 |
| Total domestic deposits to total assets | 82.7910% | 4,807 |
| Equity capital to assets | 7.7817% | 6,512 |
| Core capital (leverage) ratio | 7.8900% | 6,287 |
| Tier 1 risk-based capital ratio | 9.2724% | 6,830 |
| Total risk-based capital ratio | 10.5285% | 6,825 |
| Memoranda: | ||
| Average total assets | $825,298,200 | 798 |
| Average earning assets | $799,181,400 | 746 |
| Average equity | $66,333,600 | 1,069 |
| Average total loans | $740,753,600 | 551 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 1,261 |
| Cost of funding earning assets | 0.8152% | 2,817 |
| Net interest margin | 4.3517% | 1,345 |
| Noninterest income to average assets | 0.1374% | 6,456 |
| Noninterest expense to average assets | 2.1581% | 6,038 |
| Loan and lease loss provision to assets | 0.4737% | 1,306 |
| Net operating income to assets | 1.0204% | 2,406 |
| Return on assets (ROA) | 1.0204% | 2,639 |
| Pretax return on assets | 1.7131% | 1,230 |
| Return on Equity (ROE) | 12.5785% | 1,439 |
| Retained earnings to average equity (ytd only) | 11.8012% | 563 |
| Net charge-offs to loans | 0.0389% | 5,108 |
| Credit loss provision to net charge-offs | 1,365.3846% | 205 |
| Earnings coverage of net charge-offs (x) | 63.0280% | 628 |
| Efficiency ratio | 49.6698% | 6,614 |
| Assets per employee ($millions) | 9.5927% | 272 |
| Cash dividends to net income (ytd only)* | 6.1795% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 3,855 |
| Loan loss allowance to noncurrent loans | 178.5943% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 4,768 |
| Noncurrent loans to loans | 0.8522% | 4,711 |
| Net loans and leases to total assets | 89.7988% | 50 |
| Net loans and leases to deposits | 109.4070% | 167 |
| Net loans and leases to core deposits | 118.6168% | 333 |
| Total domestic deposits to total assets | 82.0778% | 4,994 |
| Equity capital to assets | 7.9440% | 6,620 |
| Core capital (leverage) ratio | 7.9494% | 6,364 |
| Tier 1 risk-based capital ratio | 9.4728% | 6,904 |
| Total risk-based capital ratio | 10.7234% | 6,893 |
| Memoranda: | ||
| Average total assets | $799,307,750 | 832 |
| Average earning assets | $772,820,500 | 780 |
| Average equity | $64,839,000 | 1,097 |
| Average total loans | $713,630,250 | 580 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1703% | 1,333 |
| Cost of funding earning assets | 0.8373% | 2,890 |
| Net interest margin | 4.3330% | 1,386 |
| Noninterest income to average assets | 0.2522% | 5,773 |
| Noninterest expense to average assets | 2.2308% | 5,922 |
| Loan and lease loss provision to assets | 0.4899% | 1,297 |
| Net operating income to assets | 1.0161% | 2,394 |
| Return on assets (ROA) | 1.0161% | 2,620 |
| Pretax return on assets | 1.7072% | 1,237 |
| Return on Equity (ROE) | 12.4281% | 1,525 |
| Retained earnings to average equity (ytd only) | 11.4643% | 666 |
| Net charge-offs to loans | 0.0609% | 4,573 |
| Credit loss provision to net charge-offs | 908.6538% | 359 |
| Earnings coverage of net charge-offs (x) | 40.7500% | 859 |
| Efficiency ratio | 50.3805% | 6,620 |
| Assets per employee ($millions) | 9.5619% | 266 |
| Cash dividends to net income (ytd only)* | 7.7551% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,794 |
| Loan loss allowance to noncurrent loans | 406.1107% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 5,917 |
| Noncurrent loans to loans | 0.3812% | 5,776 |
| Net loans and leases to total assets | 87.3804% | 98 |
| Net loans and leases to deposits | 107.8202% | 186 |
| Net loans and leases to core deposits | 116.8259% | 374 |
| Total domestic deposits to total assets | 81.0427% | 5,452 |
| Equity capital to assets | 8.2636% | 6,404 |
| Core capital (leverage) ratio | 8.3212% | 5,882 |
| Tier 1 risk-based capital ratio | 10.1007% | 6,800 |
| Total risk-based capital ratio | 11.3528% | 6,782 |
| Memoranda: | ||
| Average total assets | $771,568,330 | 863 |
| Average earning assets | $743,554,330 | 808 |
| Average equity | $63,082,670 | 1,123 |
| Average total loans | $683,258,330 | 607 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1361% | 1,477 |
| Cost of funding earning assets | 0.8670% | 2,941 |
| Net interest margin | 4.2690% | 1,568 |
| Noninterest income to average assets | 0.1614% | 6,421 |
| Noninterest expense to average assets | 2.2225% | 5,987 |
| Loan and lease loss provision to assets | 0.4020% | 1,571 |
| Net operating income to assets | 0.9880% | 2,525 |
| Return on assets (ROA) | 0.9880% | 2,722 |
| Pretax return on assets | 1.6569% | 1,416 |
| Return on Equity (ROE) | 12.1555% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.1464% | 994 |
| Net charge-offs to loans | -0.0091% | 5,919 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9094% | 6,552 |
| Assets per employee ($millions) | 9.0818% | 317 |
| Cash dividends to net income (ytd only)* | 8.3017% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 4,135 |
| Loan loss allowance to noncurrent loans | 161.6882% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 4,849 |
| Noncurrent loans to loans | 0.9300% | 4,808 |
| Net loans and leases to total assets | 89.1422% | 54 |
| Net loans and leases to deposits | 108.6997% | 158 |
| Net loans and leases to core deposits | 117.0397% | 359 |
| Total domestic deposits to total assets | 82.0078% | 5,294 |
| Equity capital to assets | 8.4531% | 6,124 |
| Core capital (leverage) ratio | 8.5016% | 5,585 |
| Tier 1 risk-based capital ratio | 10.2327% | 6,817 |
| Total risk-based capital ratio | 11.4798% | 6,820 |
| Memoranda: | ||
| Average total assets | $746,191,500 | 900 |
| Average earning assets | $720,162,500 | 834 |
| Average equity | $60,647,500 | 1,176 |
| Average total loans | $659,964,500 | 630 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2846% | 1,752 |
| Cost of funding earning assets | 0.9717% | 3,568 |
| Net interest margin | 4.3129% | 1,657 |
| Noninterest income to average assets | 0.1403% | 6,448 |
| Noninterest expense to average assets | 2.2707% | 6,115 |
| Loan and lease loss provision to assets | 0.3552% | 2,873 |
| Net operating income to assets | 0.9960% | 2,210 |
| Return on assets (ROA) | 1.0052% | 2,320 |
| Pretax return on assets | 1.6845% | 1,023 |
| Return on Equity (ROE) | 12.5108% | 1,281 |
| Retained earnings to average equity (ytd only) | 11.7337% | 327 |
| Net charge-offs to loans | 0.0269% | 6,057 |
| Credit loss provision to net charge-offs | 1,539.2157% | 143 |
| Earnings coverage of net charge-offs (x) | 87.7712% | 336 |
| Efficiency ratio | 52.8559% | 6,624 |
| Assets per employee ($millions) | 8.6847% | 365 |
| Cash dividends to net income (ytd only)* | 6.2116% | 3,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 3,898 |
| Loan loss allowance to noncurrent loans | 149.3864% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 4,859 |
| Noncurrent loans to loans | 1.0225% | 4,663 |
| Net loans and leases to total assets | 84.9734% | 165 |
| Net loans and leases to deposits | 101.7110% | 390 |
| Net loans and leases to core deposits | 107.7659% | 709 |
| Total domestic deposits to total assets | 83.5440% | 4,519 |
| Equity capital to assets | 7.7872% | 6,694 |
| Core capital (leverage) ratio | 7.7455% | 6,501 |
| Tier 1 risk-based capital ratio | 9.8643% | 6,884 |
| Total risk-based capital ratio | 11.1202% | 6,879 |
| Memoranda: | ||
| Average total assets | $663,054,600 | 977 |
| Average earning assets | $638,895,200 | 928 |
| Average equity | $53,274,000 | 1,276 |
| Average total loans | $569,805,600 | 743 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2935% | 1,887 |
| Cost of funding earning assets | 0.9722% | 3,869 |
| Net interest margin | 4.3213% | 1,634 |
| Noninterest income to average assets | 0.1221% | 6,654 |
| Noninterest expense to average assets | 2.1949% | 6,289 |
| Loan and lease loss provision to assets | 0.4542% | 2,188 |
| Net operating income to assets | 0.9731% | 2,420 |
| Return on assets (ROA) | 0.9857% | 2,529 |
| Pretax return on assets | 1.6519% | 1,252 |
| Return on Equity (ROE) | 12.1623% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.5260% | 549 |
| Net charge-offs to loans | 0.0219% | 5,842 |
| Credit loss provision to net charge-offs | 2,419.7802% | 111 |
| Earnings coverage of net charge-offs (x) | 111.1651% | 324 |
| Efficiency ratio | 51.2670% | 6,746 |
| Assets per employee ($millions) | 9.0461% | 325 |
| Cash dividends to net income (ytd only)* | 5.2313% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,960 |
| Loan loss allowance to noncurrent loans | 147.7128% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 4,902 |
| Noncurrent loans to loans | 1.0361% | 4,822 |
| Net loans and leases to total assets | 87.9928% | 82 |
| Net loans and leases to deposits | 108.6072% | 198 |
| Net loans and leases to core deposits | 117.2653% | 462 |
| Total domestic deposits to total assets | 81.0193% | 5,427 |
| Equity capital to assets | 7.9104% | 6,748 |
| Core capital (leverage) ratio | 8.0085% | 6,392 |
| Tier 1 risk-based capital ratio | 8.9894% | 7,116 |
| Total risk-based capital ratio | 10.2351% | 7,113 |
| Memoranda: | ||
| Average total assets | $646,439,500 | 1,005 |
| Average earning assets | $622,203,000 | 958 |
| Average equity | $52,390,250 | 1,298 |
| Average total loans | $554,879,500 | 764 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 2,012 |
| Cost of funding earning assets | 0.9728% | 4,147 |
| Net interest margin | 4.2911% | 1,701 |
| Noninterest income to average assets | 0.1169% | 6,746 |
| Noninterest expense to average assets | 2.1787% | 6,431 |
| Loan and lease loss provision to assets | 0.4135% | 2,363 |
| Net operating income to assets | 0.9833% | 2,290 |
| Return on assets (ROA) | 1.0026% | 2,316 |
| Pretax return on assets | 1.6807% | 1,093 |
| Return on Equity (ROE) | 12.2633% | 1,419 |
| Retained earnings to average equity (ytd only) | 11.7972% | 545 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3511% | 6,844 |
| Assets per employee ($millions) | 8.6339% | 370 |
| Cash dividends to net income (ytd only)* | 3.8011% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 3,984 |
| Loan loss allowance to noncurrent loans | 103.8732% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.2788% | 4,341 |
| Noncurrent loans to loans | 1.4722% | 4,215 |
| Net loans and leases to total assets | 85.5315% | 159 |
| Net loans and leases to deposits | 105.8291% | 271 |
| Net loans and leases to core deposits | 111.8664% | 655 |
| Total domestic deposits to total assets | 80.8204% | 5,590 |
| Equity capital to assets | 8.1434% | 6,555 |
| Core capital (leverage) ratio | 8.2350% | 5,971 |
| Tier 1 risk-based capital ratio | 9.5570% | 7,090 |
| Total risk-based capital ratio | 10.8128% | 7,095 |
| Memoranda: | ||
| Average total assets | $629,736,000 | 1,049 |
| Average earning assets | $605,482,670 | 982 |
| Average equity | $51,487,000 | 1,306 |
| Average total loans | $532,359,330 | 806 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 1,879 |
| Cost of funding earning assets | 1.0054% | 4,166 |
| Net interest margin | 4.2904% | 1,587 |
| Noninterest income to average assets | 0.1142% | 6,840 |
| Noninterest expense to average assets | 2.1488% | 6,533 |
| Loan and lease loss provision to assets | 0.3958% | 2,214 |
| Net operating income to assets | 1.0011% | 2,180 |
| Return on assets (ROA) | 1.0011% | 2,229 |
| Pretax return on assets | 1.6785% | 1,019 |
| Return on Equity (ROE) | 12.2186% | 1,399 |
| Retained earnings to average equity (ytd only) | 12.2186% | 705 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8834% | 6,926 |
| Assets per employee ($millions) | 8.5258% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 4,177 |
| Loan loss allowance to noncurrent loans | 103.5756% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.2279% | 4,501 |
| Noncurrent loans to loans | 1.4546% | 4,288 |
| Net loans and leases to total assets | 83.1465% | 264 |
| Net loans and leases to deposits | 103.3696% | 334 |
| Net loans and leases to core deposits | 109.4020% | 761 |
| Total domestic deposits to total assets | 80.4361% | 5,832 |
| Equity capital to assets | 8.2031% | 6,275 |
| Core capital (leverage) ratio | 8.2842% | 5,836 |
| Tier 1 risk-based capital ratio | 9.8889% | 7,044 |
| Total risk-based capital ratio | 11.1443% | 7,044 |
| Memoranda: | ||
| Average total assets | $616,516,500 | 1,081 |
| Average earning assets | $590,434,500 | 1,016 |
| Average equity | $50,513,000 | 1,319 |
| Average total loans | $513,563,000 | 851 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 2,400 |
| Cost of funding earning assets | 1.1414% | 4,903 |
| Net interest margin | 4.3289% | 1,720 |
| Noninterest income to average assets | 0.1548% | 6,616 |
| Noninterest expense to average assets | 2.3264% | 6,281 |
| Loan and lease loss provision to assets | 0.5268% | 3,044 |
| Net operating income to assets | 0.8502% | 2,589 |
| Return on assets (ROA) | 0.8502% | 2,730 |
| Pretax return on assets | 1.4276% | 1,572 |
| Return on Equity (ROE) | 10.9706% | 1,598 |
| Retained earnings to average equity (ytd only) | 10.9706% | 384 |
| Net charge-offs to loans | 0.0621% | 6,165 |
| Credit loss provision to net charge-offs | 1,065.4545% | 212 |
| Earnings coverage of net charge-offs (x) | 39.5309% | 588 |
| Efficiency ratio | 54.3446% | 6,770 |
| Assets per employee ($millions) | 8.1368% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 4,018 |
| Loan loss allowance to noncurrent loans | 155.3646% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 5,425 |
| Noncurrent loans to loans | 0.9650% | 5,122 |
| Net loans and leases to total assets | 80.8985% | 555 |
| Net loans and leases to deposits | 100.8394% | 534 |
| Net loans and leases to core deposits | 105.4549% | 1,224 |
| Total domestic deposits to total assets | 80.2251% | 5,772 |
| Equity capital to assets | 8.1830% | 6,279 |
| Core capital (leverage) ratio | 8.1816% | 5,860 |
| Tier 1 risk-based capital ratio | 10.1042% | 6,937 |
| Total risk-based capital ratio | 11.3597% | 6,912 |
| Memoranda: | ||
| Average total assets | $556,231,800 | 1,209 |
| Average earning assets | $530,154,600 | 1,152 |
| Average equity | $43,106,200 | 1,543 |
| Average total loans | $443,069,000 | 1,014 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3920% | 2,921 |
| Cost of funding earning assets | 1.1667% | 5,049 |
| Net interest margin | 4.2253% | 2,125 |
| Noninterest income to average assets | 0.1407% | 6,848 |
| Noninterest expense to average assets | 2.3677% | 6,124 |
| Loan and lease loss provision to assets | 0.4780% | 3,083 |
| Net operating income to assets | 0.7839% | 3,069 |
| Return on assets (ROA) | 0.7839% | 3,232 |
| Pretax return on assets | 1.3175% | 2,122 |
| Return on Equity (ROE) | 10.2745% | 2,014 |
| Retained earnings to average equity (ytd only) | 10.2745% | 735 |
| Net charge-offs to loans | 0.0756% | 5,759 |
| Credit loss provision to net charge-offs | 800.4098% | 369 |
| Earnings coverage of net charge-offs (x) | 30.0651% | 879 |
| Efficiency ratio | 56.8724% | 6,429 |
| Assets per employee ($millions) | 7.8834% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 4,684 |
| Loan loss allowance to noncurrent loans | 246.1187% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 6,284 |
| Noncurrent loans to loans | 0.5515% | 6,100 |
| Net loans and leases to total assets | 81.6841% | 537 |
| Net loans and leases to deposits | 102.3007% | 520 |
| Net loans and leases to core deposits | 107.0589% | 1,237 |
| Total domestic deposits to total assets | 79.8471% | 5,756 |
| Equity capital to assets | 7.5564% | 7,093 |
| Core capital (leverage) ratio | 7.3620% | 6,970 |
| Tier 1 risk-based capital ratio | 8.9780% | 7,368 |
| Total risk-based capital ratio | 10.2272% | 7,387 |
| Memoranda: | ||
| Average total assets | $544,758,250 | 1,245 |
| Average earning assets | $518,611,250 | 1,194 |
| Average equity | $41,564,750 | 1,597 |
| Average total loans | $430,205,000 | 1,045 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3308% | 3,313 |
| Cost of funding earning assets | 1.1762% | 5,261 |
| Net interest margin | 4.1546% | 2,317 |
| Noninterest income to average assets | 0.1295% | 6,944 |
| Noninterest expense to average assets | 2.3565% | 6,193 |
| Loan and lease loss provision to assets | 0.4352% | 3,136 |
| Net operating income to assets | 0.7659% | 3,119 |
| Return on assets (ROA) | 0.7659% | 3,270 |
| Pretax return on assets | 1.2894% | 2,125 |
| Return on Equity (ROE) | 10.0038% | 2,105 |
| Retained earnings to average equity (ytd only) | 10.0038% | 846 |
| Net charge-offs to loans | 0.0617% | 5,525 |
| Credit loss provision to net charge-offs | 908.5938% | 411 |
| Earnings coverage of net charge-offs (x) | 36.0078% | 800 |
| Efficiency ratio | 57.7427% | 6,411 |
| Assets per employee ($millions) | 7.9674% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 4,762 |
| Loan loss allowance to noncurrent loans | 251.9565% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 6,432 |
| Noncurrent loans to loans | 0.5286% | 6,201 |
| Net loans and leases to total assets | 75.8936% | 1,512 |
| Net loans and leases to deposits | 93.9744% | 1,277 |
| Net loans and leases to core deposits | 98.7356% | 2,149 |
| Total domestic deposits to total assets | 80.7599% | 5,487 |
| Equity capital to assets | 7.4467% | 7,144 |
| Core capital (leverage) ratio | 7.6085% | 6,721 |
| Tier 1 risk-based capital ratio | 9.3479% | 7,319 |
| Total risk-based capital ratio | 10.5789% | 7,324 |
| Memoranda: | ||
| Average total assets | $534,514,670 | 1,275 |
| Average earning assets | $508,401,000 | 1,223 |
| Average equity | $40,924,330 | 1,614 |
| Average total loans | $414,756,330 | 1,099 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3802% | 3,140 |
| Cost of funding earning assets | 1.2223% | 5,270 |
| Net interest margin | 4.1580% | 2,199 |
| Noninterest income to average assets | 0.1226% | 7,073 |
| Noninterest expense to average assets | 2.3926% | 6,117 |
| Loan and lease loss provision to assets | 0.4478% | 2,726 |
| Net operating income to assets | 0.7346% | 3,285 |
| Return on assets (ROA) | 0.7346% | 3,389 |
| Pretax return on assets | 1.2364% | 2,247 |
| Return on Equity (ROE) | 9.4534% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.4534% | 1,281 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6878% | 6,381 |
| Assets per employee ($millions) | 7.9264% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 4,943 |
| Loan loss allowance to noncurrent loans | 243.1694% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 6,415 |
| Noncurrent loans to loans | 0.5343% | 6,225 |
| Net loans and leases to total assets | 77.5414% | 1,234 |
| Net loans and leases to deposits | 93.2666% | 1,440 |
| Net loans and leases to core deposits | 97.9538% | 2,345 |
| Total domestic deposits to total assets | 83.1394% | 4,552 |
| Equity capital to assets | 7.8049% | 6,845 |
| Core capital (leverage) ratio | 7.6832% | 6,644 |
| Tier 1 risk-based capital ratio | 9.7113% | 7,205 |
| Total risk-based capital ratio | 10.9619% | 7,196 |
| Memoranda: | ||
| Average total assets | $518,928,000 | 1,343 |
| Average earning assets | $493,512,000 | 1,297 |
| Average equity | $40,324,000 | 1,662 |
| Average total loans | $404,576,500 | 1,171 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4411% | 4,487 |
| Cost of funding earning assets | 1.8086% | 3,942 |
| Net interest margin | 3.6325% | 4,415 |
| Noninterest income to average assets | 0.0911% | 7,306 |
| Noninterest expense to average assets | 2.4084% | 6,442 |
| Loan and lease loss provision to assets | 0.3195% | 4,904 |
| Net operating income to assets | 0.5217% | 3,645 |
| Return on assets (ROA) | 0.5217% | 3,731 |
| Pretax return on assets | 0.8594% | 3,055 |
| Return on Equity (ROE) | 6.8720% | 2,839 |
| Retained earnings to average equity (ytd only) | 6.4381% | 1,172 |
| Net charge-offs to loans | 0.0034% | 7,201 |
| Credit loss provision to net charge-offs | 12,125.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 447.4167% | 65 |
| Efficiency ratio | 67.0768% | 5,167 |
| Assets per employee ($millions) | 7.9186% | 536 |
| Cash dividends to net income (ytd only)* | 6.3131% | 3,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 5,398 |
| Loan loss allowance to noncurrent loans | 216.7122% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 6,399 |
| Noncurrent loans to loans | 0.5515% | 6,137 |
| Net loans and leases to total assets | 76.4313% | 1,705 |
| Net loans and leases to deposits | 91.5303% | 1,960 |
| Net loans and leases to core deposits | 114.5482% | 2,452 |
| Total domestic deposits to total assets | 83.5038% | 4,282 |
| Equity capital to assets | 7.7358% | 6,826 |
| Core capital (leverage) ratio | 7.6167% | 6,661 |
| Tier 1 risk-based capital ratio | 9.7510% | 7,061 |
| Total risk-based capital ratio | 10.9362% | 7,081 |
| Memoranda: | ||
| Average total assets | $455,438,400 | 1,519 |
| Average earning assets | $438,350,600 | 1,443 |
| Average equity | $34,575,200 | 1,945 |
| Average total loans | $349,858,800 | 1,381 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4152% | 4,874 |
| Cost of funding earning assets | 1.9060% | 3,852 |
| Net interest margin | 3.5092% | 4,825 |
| Noninterest income to average assets | 0.0790% | 7,507 |
| Noninterest expense to average assets | 2.4289% | 6,313 |
| Loan and lease loss provision to assets | 0.2360% | 5,085 |
| Net operating income to assets | 0.4887% | 4,032 |
| Return on assets (ROA) | 0.4887% | 4,126 |
| Pretax return on assets | 0.8025% | 3,537 |
| Return on Equity (ROE) | 6.4732% | 3,309 |
| Retained earnings to average equity (ytd only) | 5.8719% | 2,012 |
| Net charge-offs to loans | 0.0047% | 6,908 |
| Credit loss provision to net charge-offs | 6,500.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 285.9931% | 127 |
| Efficiency ratio | 69.9974% | 4,589 |
| Assets per employee ($millions) | 7.4315% | 656 |
| Cash dividends to net income (ytd only)* | 9.2882% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 5,796 |
| Loan loss allowance to noncurrent loans | 185.9745% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 6,341 |
| Noncurrent loans to loans | 0.5856% | 6,141 |
| Net loans and leases to total assets | 75.6244% | 2,069 |
| Net loans and leases to deposits | 89.5555% | 2,662 |
| Net loans and leases to core deposits | 113.8580% | 2,836 |
| Total domestic deposits to total assets | 84.4442% | 3,508 |
| Equity capital to assets | 7.0973% | 7,551 |
| Core capital (leverage) ratio | 6.8050% | 7,541 |
| Tier 1 risk-based capital ratio | 9.1212% | 7,575 |
| Total risk-based capital ratio | 10.2154% | 7,653 |
| Memoranda: | ||
| Average total assets | $440,620,000 | 1,582 |
| Average earning assets | $425,460,500 | 1,500 |
| Average equity | $33,264,750 | 2,042 |
| Average total loans | $337,783,500 | 1,446 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4364% | 4,959 |
| Cost of funding earning assets | 2.0028% | 3,768 |
| Net interest margin | 3.4336% | 5,053 |
| Noninterest income to average assets | 0.0731% | 7,619 |
| Noninterest expense to average assets | 2.4420% | 6,327 |
| Loan and lease loss provision to assets | 0.2028% | 5,027 |
| Net operating income to assets | 0.4519% | 4,282 |
| Return on assets (ROA) | 0.4519% | 4,392 |
| Pretax return on assets | 0.7415% | 3,862 |
| Return on Equity (ROE) | 5.8505% | 3,721 |
| Retained earnings to average equity (ytd only) | 4.9345% | 2,548 |
| Net charge-offs to loans | 0.0074% | 6,482 |
| Credit loss provision to net charge-offs | 3,583.3333% | 134 |
| Earnings coverage of net charge-offs (x) | 166.8333% | 248 |
| Efficiency ratio | 72.1131% | 4,389 |
| Assets per employee ($millions) | 7.1665% | 715 |
| Cash dividends to net income (ytd only)* | 15.6576% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 5,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 72.5532% | 3,074 |
| Net loans and leases to deposits | 86.4521% | 3,467 |
| Net loans and leases to core deposits | 111.7865% | 3,155 |
| Total domestic deposits to total assets | 83.9229% | 3,812 |
| Equity capital to assets | 7.1746% | 7,500 |
| Core capital (leverage) ratio | 7.2800% | 7,269 |
| Tier 1 risk-based capital ratio | 9.4512% | 7,432 |
| Total risk-based capital ratio | 10.5098% | 7,555 |
| Memoranda: | ||
| Average total assets | $424,000,330 | 1,672 |
| Average earning assets | $409,132,330 | 1,591 |
| Average equity | $32,749,330 | 2,073 |
| Average total loans | $325,376,000 | 1,531 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5613% | 4,575 |
| Cost of funding earning assets | 2.1672% | 3,332 |
| Net interest margin | 3.3941% | 5,163 |
| Noninterest income to average assets | 0.0731% | 7,688 |
| Noninterest expense to average assets | 2.3679% | 6,306 |
| Loan and lease loss provision to assets | 0.2403% | 4,058 |
| Net operating income to assets | 0.4466% | 4,666 |
| Return on assets (ROA) | 0.4466% | 4,840 |
| Pretax return on assets | 0.7359% | 4,301 |
| Return on Equity (ROE) | 5.5479% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.5479% | 2,846 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8084% | 4,412 |
| Assets per employee ($millions) | 6.9096% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 5,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 76.5082% | 2,159 |
| Net loans and leases to deposits | 94.1554% | 2,249 |
| Net loans and leases to core deposits | 125.7753% | 1,931 |
| Total domestic deposits to total assets | 81.2574% | 4,861 |
| Equity capital to assets | 7.6988% | 7,178 |
| Core capital (leverage) ratio | 7.9598% | 6,531 |
| Tier 1 risk-based capital ratio | 9.8015% | 7,139 |
| Total risk-based capital ratio | 10.8899% | 7,233 |
| Memoranda: | ||
| Average total assets | $399,505,000 | 1,766 |
| Average earning assets | $385,015,500 | 1,695 |
| Average equity | $32,156,500 | 2,104 |
| Average total loans | $314,612,000 | 1,591 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0914% | 5,094 |
| Cost of funding earning assets | 2.5164% | 4,107 |
| Net interest margin | 3.5750% | 4,991 |
| Noninterest income to average assets | 0.0849% | 7,715 |
| Noninterest expense to average assets | 2.4758% | 6,102 |
| Loan and lease loss provision to assets | 0.3948% | 3,325 |
| Net operating income to assets | 0.3727% | 5,260 |
| Return on assets (ROA) | 0.3727% | 5,070 |
| Pretax return on assets | 0.6350% | 4,586 |
| Return on Equity (ROE) | 4.4411% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.4411% | 2,363 |
| Net charge-offs to loans | -0.0101% | 7,852 |
| Credit loss provision to net charge-offs | -4,953.8462% | 7,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6242% | 4,221 |
| Assets per employee ($millions) | 7.2601% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 79.4335% | 1,794 |
| Net loans and leases to deposits | 95.5540% | 2,515 |
| Net loans and leases to core deposits | 130.2814% | 1,831 |
| Total domestic deposits to total assets | 83.1294% | 3,713 |
| Equity capital to assets | 8.4402% | 6,186 |
| Core capital (leverage) ratio | 8.6232% | 5,339 |
| Tier 1 risk-based capital ratio | 10.4684% | 6,238 |
| Total risk-based capital ratio | 11.5701% | 6,271 |
| Memoranda: | ||
| Average total assets | $326,281,200 | 2,048 |
| Average earning assets | $312,194,400 | 1,951 |
| Average equity | $27,380,400 | 2,448 |
| Average total loans | $258,316,200 | 1,848 |