Home > Dacotah Bank > Performance and Condition Ratios
Dacotah 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 | 4.9018% | 2,269 |
| Cost of funding earning assets | 1.6024% | 1,683 |
| Net interest margin | 3.2994% | 2,635 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.8776% | 1,319 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7028% | 3,193 |
| Return on assets (ROA) | 0.6935% | 3,183 |
| Pretax return on assets | 0.8302% | 3,136 |
| Return on Equity (ROE) | 7.4200% | 3,181 |
| Retained earnings to average equity (ytd only) | 6.2937% | 2,136 |
| Net charge-offs to loans | 0.0001% | 2,915 |
| Credit loss provision to net charge-offs | 45,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 16,456.0000% | 1 |
| Efficiency ratio | 76.8145% | 1,181 |
| Assets per employee ($millions) | 6.7636% | 2,233 |
| Cash dividends to net income (ytd only)* | 15.1573% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,162 |
| Loan loss allowance to noncurrent loans | 387.2194% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 2,007 |
| Noncurrent loans to loans | 0.3156% | 2,056 |
| Net loans and leases to total assets | 74.5400% | 1,290 |
| Net loans and leases to deposits | 82.9080% | 1,874 |
| Net loans and leases to core deposits | 88.8364% | 2,127 |
| Total domestic deposits to total assets | 89.9100% | 779 |
| Equity capital to assets | 9.0605% | 2,632 |
| Core capital (leverage) ratio | 9.9342% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9603% | 2,256 |
| Memoranda: | ||
| Average total assets | $3,805,265,600 | 336 |
| Average earning assets | $3,534,480,000 | 325 |
| Average equity | $355,752,200 | 343 |
| Average total loans | $2,909,196,400 | 309 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 2,353 |
| Cost of funding earning assets | 1.4117% | 1,839 |
| Net interest margin | 3.3485% | 2,571 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.9313% | 1,170 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7046% | 3,319 |
| Return on assets (ROA) | 0.6753% | 3,364 |
| Pretax return on assets | 0.8093% | 3,313 |
| Return on Equity (ROE) | 7.1600% | 3,390 |
| Retained earnings to average equity (ytd only) | 5.6401% | 2,738 |
| Net charge-offs to loans | 0.0011% | 2,580 |
| Credit loss provision to net charge-offs | 1,875.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 1,000.2083% | 159 |
| Efficiency ratio | 77.2228% | 1,072 |
| Assets per employee ($millions) | 6.3639% | 2,440 |
| Cash dividends to net income (ytd only)* | 21.2404% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,119 |
| Loan loss allowance to noncurrent loans | 620.0656% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,528 |
| Noncurrent loans to loans | 0.2012% | 2,552 |
| Net loans and leases to total assets | 76.2700% | 1,087 |
| Net loans and leases to deposits | 84.8285% | 1,664 |
| Net loans and leases to core deposits | 90.6518% | 1,883 |
| Total domestic deposits to total assets | 89.9100% | 966 |
| Equity capital to assets | 8.9403% | 2,455 |
| Core capital (leverage) ratio | 10.3489% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1385% | 2,222 |
| Memoranda: | ||
| Average total assets | $3,718,372,500 | 346 |
| Average earning assets | $3,457,150,750 | 332 |
| Average equity | $350,623,250 | 349 |
| Average total loans | $2,853,050,000 | 315 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 2,361 |
| Cost of funding earning assets | 1.2326% | 1,895 |
| Net interest margin | 3.3934% | 2,538 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.9362% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7182% | 3,308 |
| Return on assets (ROA) | 0.6873% | 3,370 |
| Pretax return on assets | 0.8213% | 3,348 |
| Return on Equity (ROE) | 7.1600% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.1558% | 2,236 |
| Net charge-offs to loans | -0.0031% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.3033% | 1,064 |
| Assets per employee ($millions) | 6.0015% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 1,948 |
| Loan loss allowance to noncurrent loans | 1,025.7808% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 2,792 |
| Noncurrent loans to loans | 0.1263% | 2,842 |
| Net loans and leases to total assets | 77.0500% | 937 |
| Net loans and leases to deposits | 88.6746% | 1,287 |
| Net loans and leases to core deposits | 94.8184% | 1,535 |
| Total domestic deposits to total assets | 86.8900% | 1,964 |
| Equity capital to assets | 9.6070% | 2,089 |
| Core capital (leverage) ratio | 10.7686% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7220% | 2,015 |
| Memoranda: | ||
| Average total assets | $3,648,983,000 | 337 |
| Average earning assets | $3,390,301,000 | 325 |
| Average equity | $350,482,667 | 338 |
| Average total loans | $2,793,216,667 | 307 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 2,491 |
| Cost of funding earning assets | 1.0933% | 1,769 |
| Net interest margin | 3.3282% | 2,805 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.8561% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7361% | 3,379 |
| Return on assets (ROA) | 0.6985% | 3,419 |
| Pretax return on assets | 0.8316% | 3,389 |
| Return on Equity (ROE) | 7.2700% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.2732% | 2,427 |
| Net charge-offs to loans | -0.0023% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.4328% | 1,136 |
| Assets per employee ($millions) | 6.0715% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 1,779 |
| Loan loss allowance to noncurrent loans | 793.8468% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 2,543 |
| Noncurrent loans to loans | 0.1713% | 2,626 |
| Net loans and leases to total assets | 74.2600% | 1,169 |
| Net loans and leases to deposits | 83.1731% | 1,559 |
| Net loans and leases to core deposits | 87.6880% | 1,765 |
| Total domestic deposits to total assets | 89.2900% | 1,424 |
| Equity capital to assets | 9.6962% | 1,998 |
| Core capital (leverage) ratio | 10.7107% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1255% | 1,937 |
| Memoranda: | ||
| Average total assets | $3,622,010,000 | 351 |
| Average earning assets | $3,362,970,000 | 337 |
| Average equity | $347,854,000 | 353 |
| Average total loans | $2,744,498,500 | 321 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 2,276 |
| Cost of funding earning assets | 0.2774% | 3,068 |
| Net interest margin | 3.5242% | 1,853 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.5994% | 1,826 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 1.1849% | 1,834 |
| Return on assets (ROA) | 1.1560% | 1,887 |
| Pretax return on assets | 1.4750% | 1,527 |
| Return on Equity (ROE) | 11.9100% | 2,171 |
| Retained earnings to average equity (ytd only) | 8.7288% | 1,559 |
| Net charge-offs to loans | -0.0286% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.9988% | 2,491 |
| Assets per employee ($millions) | 6.1773% | 2,619 |
| Cash dividends to net income (ytd only)* | 26.7052% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 1,621 |
| Loan loss allowance to noncurrent loans | 741.5824% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 2,525 |
| Noncurrent loans to loans | 0.1842% | 2,569 |
| Net loans and leases to total assets | 75.2200% | 1,103 |
| Net loans and leases to deposits | 86.2670% | 1,293 |
| Net loans and leases to core deposits | 89.6368% | 1,522 |
| Total domestic deposits to total assets | 87.2000% | 2,330 |
| Equity capital to assets | 9.5099% | 2,000 |
| Core capital (leverage) ratio | 10.7477% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9981% | 1,980 |
| Memoranda: | ||
| Average total assets | $3,530,766,000 | 339 |
| Average earning assets | $3,282,953,200 | 330 |
| Average equity | $342,726,600 | 349 |
| Average total loans | $2,474,840,800 | 320 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6245% | 2,270 |
| Cost of funding earning assets | 0.1989% | 3,289 |
| Net interest margin | 3.4256% | 1,891 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.5592% | 1,827 |
| Loan and lease loss provision to assets | -0.0800% | 4,553 |
| Net operating income to assets | 1.1727% | 1,799 |
| Return on assets (ROA) | 1.1547% | 1,851 |
| Pretax return on assets | 1.4716% | 1,493 |
| Return on Equity (ROE) | 11.8300% | 2,087 |
| Retained earnings to average equity (ytd only) | 7.5984% | 2,152 |
| Net charge-offs to loans | 0.0001% | 2,348 |
| Credit loss provision to net charge-offs | -200,000.0000% | 4,764 |
| Earnings coverage of net charge-offs (x) | 37,410.0000% | 2 |
| Efficiency ratio | 64.2117% | 2,512 |
| Assets per employee ($millions) | 6.0968% | 2,679 |
| Cash dividends to net income (ytd only)* | 35.7940% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 1,443 |
| Loan loss allowance to noncurrent loans | 355.8681% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 1,709 |
| Noncurrent loans to loans | 0.4082% | 1,799 |
| Net loans and leases to total assets | 70.7600% | 1,416 |
| Net loans and leases to deposits | 78.7247% | 1,662 |
| Net loans and leases to core deposits | 80.7117% | 1,855 |
| Total domestic deposits to total assets | 89.8800% | 1,716 |
| Equity capital to assets | 9.2806% | 2,027 |
| Core capital (leverage) ratio | 10.3816% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6121% | 1,841 |
| Memoranda: | ||
| Average total assets | $3,516,205,750 | 343 |
| Average earning assets | $3,274,716,500 | 333 |
| Average equity | $343,080,500 | 353 |
| Average total loans | $2,409,252,250 | 321 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 2,297 |
| Cost of funding earning assets | 0.1677% | 3,345 |
| Net interest margin | 3.2826% | 1,959 |
| Noninterest income to average assets | 0.7868% | 1,080 |
| Noninterest expense to average assets | 2.5263% | 1,846 |
| Loan and lease loss provision to assets | -0.1138% | 4,615 |
| Net operating income to assets | 1.1153% | 1,722 |
| Return on assets (ROA) | 1.0973% | 1,756 |
| Pretax return on assets | 1.4104% | 1,409 |
| Return on Equity (ROE) | 11.0661% | 1,958 |
| Retained earnings to average equity (ytd only) | 7.0502% | 1,976 |
| Net charge-offs to loans | -0.0168% | 3,803 |
| Credit loss provision to net charge-offs | 1,005.0251% | 401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5523% | 2,567 |
| Assets per employee ($millions) | 6.2929% | 2,486 |
| Cash dividends to net income (ytd only)* | 36.2901% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,425 |
| Loan loss allowance to noncurrent loans | 308.7029% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 1,638 |
| Noncurrent loans to loans | 0.4837% | 1,662 |
| Net loans and leases to total assets | 67.7307% | 1,501 |
| Net loans and leases to deposits | 75.6644% | 1,713 |
| Net loans and leases to core deposits | 77.8656% | 1,861 |
| Total domestic deposits to total assets | 89.5147% | 1,936 |
| Equity capital to assets | 9.4705% | 2,040 |
| Core capital (leverage) ratio | 10.2785% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7061% | 1,800 |
| Memoranda: | ||
| Average total assets | $3,515,656,333 | 338 |
| Average earning assets | $3,276,041,333 | 335 |
| Average equity | $348,614,667 | 349 |
| Average total loans | $2,370,373,000 | 319 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 2,404 |
| Cost of funding earning assets | 0.1688% | 3,237 |
| Net interest margin | 3.1255% | 2,091 |
| Noninterest income to average assets | 0.7890% | 1,071 |
| Noninterest expense to average assets | 2.5436% | 1,777 |
| Loan and lease loss provision to assets | -0.2301% | 4,707 |
| Net operating income to assets | 1.0841% | 1,565 |
| Return on assets (ROA) | 1.0659% | 1,626 |
| Pretax return on assets | 1.3645% | 1,344 |
| Return on Equity (ROE) | 10.5054% | 1,796 |
| Retained earnings to average equity (ytd only) | 2.5682% | 3,392 |
| Net charge-offs to loans | -0.0362% | 4,153 |
| Credit loss provision to net charge-offs | 952.3810% | 347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5753% | 2,433 |
| Assets per employee ($millions) | 6.4090% | 2,444 |
| Cash dividends to net income (ytd only)* | 75.5532% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 1,272 |
| Loan loss allowance to noncurrent loans | 264.4285% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 1,504 |
| Noncurrent loans to loans | 0.6052% | 1,549 |
| Net loans and leases to total assets | 63.5585% | 1,674 |
| Net loans and leases to deposits | 71.1294% | 1,853 |
| Net loans and leases to core deposits | 73.2790% | 1,995 |
| Total domestic deposits to total assets | 89.3562% | 1,897 |
| Equity capital to assets | 9.5864% | 2,216 |
| Core capital (leverage) ratio | 10.2031% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2235% | 1,712 |
| Memoranda: | ||
| Average total assets | $3,476,856,500 | 344 |
| Average earning assets | $3,239,326,500 | 340 |
| Average equity | $352,772,500 | 358 |
| Average total loans | $2,320,245,500 | 324 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 1,566 |
| Cost of funding earning assets | 0.2309% | 3,126 |
| Net interest margin | 3.6859% | 1,247 |
| Noninterest income to average assets | 0.8189% | 1,406 |
| Noninterest expense to average assets | 2.7205% | 1,575 |
| Loan and lease loss provision to assets | -0.0184% | 4,212 |
| Net operating income to assets | 1.1844% | 1,973 |
| Return on assets (ROA) | 1.1686% | 2,088 |
| Pretax return on assets | 1.5107% | 1,684 |
| Return on Equity (ROE) | 10.8505% | 2,216 |
| Retained earnings to average equity (ytd only) | 8.5724% | 1,320 |
| Net charge-offs to loans | -0.0109% | 3,771 |
| Credit loss provision to net charge-offs | 239.0438% | 1,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9952% | 2,566 |
| Assets per employee ($millions) | 6.0319% | 2,733 |
| Cash dividends to net income (ytd only)* | 20.9957% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 1,148 |
| Loan loss allowance to noncurrent loans | 261.7794% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 1,500 |
| Noncurrent loans to loans | 0.6331% | 1,572 |
| Net loans and leases to total assets | 67.8501% | 1,284 |
| Net loans and leases to deposits | 77.0332% | 1,486 |
| Net loans and leases to core deposits | 79.6327% | 1,631 |
| Total domestic deposits to total assets | 88.0790% | 2,006 |
| Equity capital to assets | 10.7369% | 1,986 |
| Core capital (leverage) ratio | 10.5693% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1337% | 1,802 |
| Memoranda: | ||
| Average total assets | $3,260,568,000 | 350 |
| Average earning assets | $3,020,001,400 | 347 |
| Average equity | $351,163,400 | 357 |
| Average total loans | $2,312,526,400 | 323 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 1,410 |
| Cost of funding earning assets | 0.2447% | 3,167 |
| Net interest margin | 3.8122% | 1,088 |
| Noninterest income to average assets | 0.8244% | 1,458 |
| Noninterest expense to average assets | 2.7705% | 1,409 |
| Loan and lease loss provision to assets | -0.0248% | 4,367 |
| Net operating income to assets | 1.2346% | 2,041 |
| Return on assets (ROA) | 1.2345% | 2,109 |
| Pretax return on assets | 1.6043% | 1,687 |
| Return on Equity (ROE) | 11.4535% | 2,224 |
| Retained earnings to average equity (ytd only) | 8.3896% | 1,919 |
| Net charge-offs to loans | -0.0164% | 3,884 |
| Credit loss provision to net charge-offs | 211.2676% | 1,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4170% | 2,475 |
| Assets per employee ($millions) | 5.9667% | 2,729 |
| Cash dividends to net income (ytd only)* | 26.7514% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 1,190 |
| Loan loss allowance to noncurrent loans | 222.6541% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 1,439 |
| Noncurrent loans to loans | 0.7473% | 1,503 |
| Net loans and leases to total assets | 69.3583% | 1,153 |
| Net loans and leases to deposits | 78.7905% | 1,402 |
| Net loans and leases to core deposits | 81.4516% | 1,615 |
| Total domestic deposits to total assets | 88.0288% | 1,826 |
| Equity capital to assets | 10.8470% | 2,128 |
| Core capital (leverage) ratio | 10.4968% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0181% | 1,961 |
| Memoranda: | ||
| Average total assets | $3,229,737,000 | 354 |
| Average earning assets | $2,986,954,250 | 352 |
| Average equity | $348,122,750 | 359 |
| Average total loans | $2,306,992,000 | 325 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 2,516 |
| Cost of funding earning assets | 0.2603% | 3,182 |
| Net interest margin | 3.3740% | 2,220 |
| Noninterest income to average assets | 0.8426% | 1,415 |
| Noninterest expense to average assets | 2.5491% | 2,001 |
| Loan and lease loss provision to assets | -0.0374% | 4,482 |
| Net operating income to assets | 1.1187% | 2,475 |
| Return on assets (ROA) | 1.1186% | 2,544 |
| Pretax return on assets | 1.4470% | 2,185 |
| Return on Equity (ROE) | 10.4007% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.3709% | 1,954 |
| Net charge-offs to loans | 0.0115% | 1,732 |
| Credit loss provision to net charge-offs | -454.5455% | 3,441 |
| Earnings coverage of net charge-offs (x) | 171.2045% | 543 |
| Efficiency ratio | 64.1010% | 2,416 |
| Assets per employee ($millions) | 5.9673% | 2,653 |
| Cash dividends to net income (ytd only)* | 19.5160% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,179 |
| Loan loss allowance to noncurrent loans | 176.8361% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 1,251 |
| Noncurrent loans to loans | 0.9311% | 1,324 |
| Net loans and leases to total assets | 69.7222% | 1,235 |
| Net loans and leases to deposits | 79.4876% | 1,472 |
| Net loans and leases to core deposits | 82.2261% | 1,705 |
| Total domestic deposits to total assets | 87.7145% | 1,977 |
| Equity capital to assets | 10.7513% | 2,185 |
| Core capital (leverage) ratio | 10.2599% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2694% | 1,878 |
| Memoranda: | ||
| Average total assets | $3,206,455,333 | 353 |
| Average earning assets | $2,961,444,333 | 349 |
| Average equity | $344,861,333 | 356 |
| Average total loans | $2,300,237,000 | 326 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 2,614 |
| Cost of funding earning assets | 0.2825% | 3,170 |
| Net interest margin | 3.3260% | 2,312 |
| Noninterest income to average assets | 0.8291% | 1,514 |
| Noninterest expense to average assets | 2.5795% | 1,933 |
| Loan and lease loss provision to assets | -0.0757% | 4,691 |
| Net operating income to assets | 1.0813% | 2,538 |
| Return on assets (ROA) | 1.0812% | 2,618 |
| Pretax return on assets | 1.3973% | 2,286 |
| Return on Equity (ROE) | 10.0510% | 2,675 |
| Retained earnings to average equity (ytd only) | 5.9438% | 2,920 |
| Net charge-offs to loans | -0.0199% | 3,997 |
| Credit loss provision to net charge-offs | 526.3158% | 583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8297% | 2,255 |
| Assets per employee ($millions) | 5.8540% | 2,742 |
| Cash dividends to net income (ytd only)* | 40.8640% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 1,055 |
| Loan loss allowance to noncurrent loans | 136.5613% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8992% | 960 |
| Noncurrent loans to loans | 1.2421% | 1,055 |
| Net loans and leases to total assets | 68.7705% | 1,433 |
| Net loans and leases to deposits | 78.1236% | 1,707 |
| Net loans and leases to core deposits | 80.8933% | 1,922 |
| Total domestic deposits to total assets | 88.0278% | 1,830 |
| Equity capital to assets | 10.5053% | 2,271 |
| Core capital (leverage) ratio | 10.4243% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3810% | 1,782 |
| Memoranda: | ||
| Average total assets | $3,168,667,500 | 358 |
| Average earning assets | $2,926,770,000 | 349 |
| Average equity | $340,861,000 | 357 |
| Average total loans | $2,287,050,000 | 329 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 1,430 |
| Cost of funding earning assets | 0.5708% | 2,501 |
| Net interest margin | 3.8824% | 1,268 |
| Noninterest income to average assets | 0.8369% | 1,432 |
| Noninterest expense to average assets | 2.7574% | 2,046 |
| Loan and lease loss provision to assets | 0.3053% | 1,230 |
| Net operating income to assets | 1.0390% | 2,146 |
| Return on assets (ROA) | 1.0321% | 2,317 |
| Pretax return on assets | 1.3527% | 1,810 |
| Return on Equity (ROE) | 9.0305% | 2,379 |
| Retained earnings to average equity (ytd only) | 6.4124% | 1,628 |
| Net charge-offs to loans | 0.0998% | 1,473 |
| Credit loss provision to net charge-offs | 392.3317% | 1,455 |
| Earnings coverage of net charge-offs (x) | 21.4191% | 1,899 |
| Efficiency ratio | 62.0874% | 3,115 |
| Assets per employee ($millions) | 5.6772% | 2,655 |
| Cash dividends to net income (ytd only)* | 28.9916% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 1,045 |
| Loan loss allowance to noncurrent loans | 137.1702% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 997 |
| Noncurrent loans to loans | 1.2368% | 1,122 |
| Net loans and leases to total assets | 73.2482% | 1,118 |
| Net loans and leases to deposits | 83.6499% | 1,492 |
| Net loans and leases to core deposits | 88.2211% | 1,665 |
| Total domestic deposits to total assets | 87.5652% | 1,675 |
| Equity capital to assets | 11.0223% | 2,234 |
| Core capital (leverage) ratio | 10.5859% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8644% | 1,903 |
| Memoranda: | ||
| Average total assets | $2,882,510,400 | 357 |
| Average earning assets | $2,663,299,600 | 349 |
| Average equity | $329,439,200 | 347 |
| Average total loans | $2,248,234,000 | 319 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 1,177 |
| Cost of funding earning assets | 0.6322% | 2,420 |
| Net interest margin | 4.0221% | 1,061 |
| Noninterest income to average assets | 0.8072% | 1,470 |
| Noninterest expense to average assets | 2.7774% | 2,028 |
| Loan and lease loss provision to assets | 0.1695% | 2,302 |
| Net operating income to assets | 1.2179% | 1,585 |
| Return on assets (ROA) | 1.2132% | 1,723 |
| Pretax return on assets | 1.5726% | 1,263 |
| Return on Equity (ROE) | 10.5131% | 1,844 |
| Retained earnings to average equity (ytd only) | 6.9931% | 1,693 |
| Net charge-offs to loans | 0.1227% | 1,147 |
| Credit loss provision to net charge-offs | 175.0973% | 2,201 |
| Earnings coverage of net charge-offs (x) | 18.0535% | 1,978 |
| Efficiency ratio | 61.1639% | 3,197 |
| Assets per employee ($millions) | 5.4886% | 2,721 |
| Cash dividends to net income (ytd only)* | 33.4821% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,529 |
| Loan loss allowance to noncurrent loans | 107.4729% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 926 |
| Noncurrent loans to loans | 1.3504% | 1,090 |
| Net loans and leases to total assets | 76.8196% | 983 |
| Net loans and leases to deposits | 87.9819% | 1,487 |
| Net loans and leases to core deposits | 93.6673% | 1,669 |
| Total domestic deposits to total assets | 87.3129% | 1,539 |
| Equity capital to assets | 11.1982% | 2,230 |
| Core capital (leverage) ratio | 10.7206% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8115% | 1,887 |
| Memoranda: | ||
| Average total assets | $2,831,042,000 | 352 |
| Average earning assets | $2,617,180,750 | 344 |
| Average equity | $326,696,500 | 345 |
| Average total loans | $2,234,986,000 | 313 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 933 |
| Cost of funding earning assets | 0.6864% | 2,469 |
| Net interest margin | 4.2392% | 843 |
| Noninterest income to average assets | 0.7487% | 1,584 |
| Noninterest expense to average assets | 2.7910% | 2,121 |
| Loan and lease loss provision to assets | 0.1732% | 2,278 |
| Net operating income to assets | 1.3148% | 1,325 |
| Return on assets (ROA) | 1.3144% | 1,432 |
| Pretax return on assets | 1.7051% | 992 |
| Return on Equity (ROE) | 11.2692% | 1,552 |
| Retained earnings to average equity (ytd only) | 8.4856% | 1,164 |
| Net charge-offs to loans | 0.1647% | 910 |
| Credit loss provision to net charge-offs | 132.5967% | 2,222 |
| Earnings coverage of net charge-offs (x) | 14.3878% | 1,946 |
| Efficiency ratio | 59.5764% | 3,474 |
| Assets per employee ($millions) | 5.5187% | 2,623 |
| Cash dividends to net income (ytd only)* | 24.7008% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,574 |
| Loan loss allowance to noncurrent loans | 91.5921% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.3467% | 748 |
| Noncurrent loans to loans | 1.5308% | 984 |
| Net loans and leases to total assets | 79.3666% | 675 |
| Net loans and leases to deposits | 91.3173% | 1,230 |
| Net loans and leases to core deposits | 97.6077% | 1,445 |
| Total domestic deposits to total assets | 86.9130% | 1,658 |
| Equity capital to assets | 11.3844% | 2,051 |
| Core capital (leverage) ratio | 11.2317% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8725% | 1,869 |
| Memoranda: | ||
| Average total assets | $2,772,131,333 | 353 |
| Average earning assets | $2,564,105,000 | 344 |
| Average equity | $323,322,667 | 347 |
| Average total loans | $2,198,452,667 | 314 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 1,908 |
| Cost of funding earning assets | 0.7917% | 2,444 |
| Net interest margin | 3.8398% | 1,846 |
| Noninterest income to average assets | 0.7596% | 1,433 |
| Noninterest expense to average assets | 2.8936% | 2,143 |
| Loan and lease loss provision to assets | 0.0891% | 2,573 |
| Net operating income to assets | 1.0313% | 2,072 |
| Return on assets (ROA) | 1.0313% | 2,171 |
| Pretax return on assets | 1.3234% | 1,803 |
| Return on Equity (ROE) | 8.7284% | 2,218 |
| Retained earnings to average equity (ytd only) | 3.0712% | 3,051 |
| Net charge-offs to loans | 0.1250% | 959 |
| Credit loss provision to net charge-offs | 90.6344% | 1,893 |
| Earnings coverage of net charge-offs (x) | 14.3656% | 1,599 |
| Efficiency ratio | 66.9863% | 2,819 |
| Assets per employee ($millions) | 5.0784% | 2,560 |
| Cash dividends to net income (ytd only)* | 64.8135% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 1,259 |
| Loan loss allowance to noncurrent loans | 98.5501% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.2512% | 970 |
| Noncurrent loans to loans | 1.5488% | 1,018 |
| Net loans and leases to total assets | 77.5690% | 1,043 |
| Net loans and leases to deposits | 89.9320% | 1,520 |
| Net loans and leases to core deposits | 97.0955% | 1,712 |
| Total domestic deposits to total assets | 86.2529% | 1,891 |
| Equity capital to assets | 11.9053% | 2,139 |
| Core capital (leverage) ratio | 11.5393% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7253% | 1,996 |
| Memoranda: | ||
| Average total assets | $2,692,994,500 | 344 |
| Average earning assets | $2,487,313,500 | 341 |
| Average equity | $318,180,000 | 345 |
| Average total loans | $2,118,261,500 | 317 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 1,751 |
| Cost of funding earning assets | 0.9700% | 1,861 |
| Net interest margin | 3.9280% | 2,076 |
| Noninterest income to average assets | 0.7951% | 1,468 |
| Noninterest expense to average assets | 2.8054% | 2,581 |
| Loan and lease loss provision to assets | 0.1152% | 1,833 |
| Net operating income to assets | 1.1758% | 2,150 |
| Return on assets (ROA) | 1.1755% | 2,250 |
| Pretax return on assets | 1.5061% | 1,791 |
| Return on Equity (ROE) | 10.1516% | 2,227 |
| Retained earnings to average equity (ytd only) | 7.4990% | 1,170 |
| Net charge-offs to loans | 0.0424% | 2,547 |
| Credit loss provision to net charge-offs | 338.6005% | 818 |
| Earnings coverage of net charge-offs (x) | 47.6704% | 1,161 |
| Efficiency ratio | 63.1592% | 3,197 |
| Assets per employee ($millions) | 5.1422% | 2,406 |
| Cash dividends to net income (ytd only)* | 26.1293% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 1,118 |
| Loan loss allowance to noncurrent loans | 107.0492% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.1566% | 1,030 |
| Noncurrent loans to loans | 1.4365% | 1,020 |
| Net loans and leases to total assets | 77.3370% | 1,194 |
| Net loans and leases to deposits | 89.4915% | 1,648 |
| Net loans and leases to core deposits | 96.6065% | 1,845 |
| Total domestic deposits to total assets | 86.4183% | 1,878 |
| Equity capital to assets | 11.7247% | 2,335 |
| Core capital (leverage) ratio | 11.5413% | 2,081 |
| Tier 1 risk-based capital ratio | 13.4570% | 3,548 |
| Total risk-based capital ratio | 14.7091% | 3,433 |
| Memoranda: | ||
| Average total assets | $2,604,616,200 | 345 |
| Average earning assets | $2,408,269,800 | 342 |
| Average equity | $301,598,400 | 341 |
| Average total loans | $2,090,478,600 | 312 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 1,746 |
| Cost of funding earning assets | 0.9935% | 1,793 |
| Net interest margin | 3.9322% | 2,154 |
| Noninterest income to average assets | 0.8222% | 1,352 |
| Noninterest expense to average assets | 2.7977% | 2,564 |
| Loan and lease loss provision to assets | 0.1239% | 1,575 |
| Net operating income to assets | 1.1936% | 2,217 |
| Return on assets (ROA) | 1.1933% | 2,297 |
| Pretax return on assets | 1.5397% | 1,839 |
| Return on Equity (ROE) | 10.3389% | 2,276 |
| Retained earnings to average equity (ytd only) | 6.7616% | 1,972 |
| Net charge-offs to loans | 0.0267% | 2,557 |
| Credit loss provision to net charge-offs | 574.1627% | 563 |
| Earnings coverage of net charge-offs (x) | 77.1339% | 878 |
| Efficiency ratio | 62.4920% | 3,248 |
| Assets per employee ($millions) | 5.0360% | 2,513 |
| Cash dividends to net income (ytd only)* | 34.6006% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 1,188 |
| Loan loss allowance to noncurrent loans | 102.2665% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2419% | 1,003 |
| Noncurrent loans to loans | 1.4887% | 1,018 |
| Net loans and leases to total assets | 80.2191% | 822 |
| Net loans and leases to deposits | 93.0783% | 1,311 |
| Net loans and leases to core deposits | 100.8755% | 1,588 |
| Total domestic deposits to total assets | 86.1846% | 1,911 |
| Equity capital to assets | 11.8109% | 2,409 |
| Core capital (leverage) ratio | 11.6010% | 2,144 |
| Tier 1 risk-based capital ratio | 13.1429% | 3,767 |
| Total risk-based capital ratio | 14.3950% | 3,676 |
| Memoranda: | ||
| Average total assets | $2,583,424,250 | 350 |
| Average earning assets | $2,391,122,000 | 346 |
| Average equity | $298,167,500 | 347 |
| Average total loans | $2,085,005,000 | 318 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 1,786 |
| Cost of funding earning assets | 0.9846% | 1,771 |
| Net interest margin | 3.9035% | 2,234 |
| Noninterest income to average assets | 0.7173% | 1,644 |
| Noninterest expense to average assets | 2.8078% | 2,557 |
| Loan and lease loss provision to assets | 0.1398% | 1,327 |
| Net operating income to assets | 1.0590% | 2,684 |
| Return on assets (ROA) | 1.0587% | 2,748 |
| Pretax return on assets | 1.3862% | 2,246 |
| Return on Equity (ROE) | 9.2459% | 2,759 |
| Retained earnings to average equity (ytd only) | 6.5327% | 2,035 |
| Net charge-offs to loans | 0.0456% | 2,000 |
| Credit loss provision to net charge-offs | 381.3559% | 749 |
| Earnings coverage of net charge-offs (x) | 41.6356% | 1,219 |
| Efficiency ratio | 64.5610% | 3,048 |
| Assets per employee ($millions) | 4.9739% | 2,508 |
| Cash dividends to net income (ytd only)* | 29.3449% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 1,272 |
| Loan loss allowance to noncurrent loans | 96.1447% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.3106% | 960 |
| Noncurrent loans to loans | 1.5623% | 979 |
| Net loans and leases to total assets | 80.8315% | 753 |
| Net loans and leases to deposits | 94.0837% | 1,250 |
| Net loans and leases to core deposits | 102.2677% | 1,531 |
| Total domestic deposits to total assets | 85.9144% | 2,080 |
| Equity capital to assets | 11.7506% | 2,383 |
| Core capital (leverage) ratio | 11.3972% | 2,245 |
| Tier 1 risk-based capital ratio | 13.0307% | 3,824 |
| Total risk-based capital ratio | 14.2825% | 3,724 |
| Memoranda: | ||
| Average total assets | $2,575,019,670 | 351 |
| Average earning assets | $2,385,985,000 | 348 |
| Average equity | $294,855,670 | 351 |
| Average total loans | $2,071,680,670 | 321 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7877% | 1,938 |
| Cost of funding earning assets | 0.9542% | 1,776 |
| Net interest margin | 3.8335% | 2,406 |
| Noninterest income to average assets | 0.6964% | 1,628 |
| Noninterest expense to average assets | 2.7751% | 2,663 |
| Loan and lease loss provision to assets | 0.1397% | 1,233 |
| Net operating income to assets | 1.0177% | 2,780 |
| Return on assets (ROA) | 1.0183% | 2,822 |
| Pretax return on assets | 1.3311% | 2,327 |
| Return on Equity (ROE) | 9.0110% | 2,808 |
| Retained earnings to average equity (ytd only) | 3.5165% | 3,510 |
| Net charge-offs to loans | 0.0602% | 1,436 |
| Credit loss provision to net charge-offs | 291.2621% | 845 |
| Earnings coverage of net charge-offs (x) | 30.6472% | 1,320 |
| Efficiency ratio | 65.1443% | 3,067 |
| Assets per employee ($millions) | 5.0615% | 2,444 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,323 |
| Loan loss allowance to noncurrent loans | 108.7499% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 1,180 |
| Noncurrent loans to loans | 1.3840% | 1,171 |
| Net loans and leases to total assets | 78.3337% | 1,102 |
| Net loans and leases to deposits | 90.7312% | 1,537 |
| Net loans and leases to core deposits | 98.4129% | 1,749 |
| Total domestic deposits to total assets | 86.3361% | 2,129 |
| Equity capital to assets | 11.3353% | 2,535 |
| Core capital (leverage) ratio | 11.1798% | 2,406 |
| Tier 1 risk-based capital ratio | 12.9905% | 3,884 |
| Total risk-based capital ratio | 14.2423% | 3,777 |
| Memoranda: | ||
| Average total assets | $2,576,785,000 | 356 |
| Average earning assets | $2,385,361,500 | 352 |
| Average equity | $291,200,500 | 355 |
| Average total loans | $2,052,386,000 | 328 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 1,645 |
| Cost of funding earning assets | 0.7440% | 1,829 |
| Net interest margin | 4.0153% | 1,938 |
| Noninterest income to average assets | 0.7761% | 1,540 |
| Noninterest expense to average assets | 2.8764% | 2,428 |
| Loan and lease loss provision to assets | 0.0957% | 2,243 |
| Net operating income to assets | 1.1672% | 2,328 |
| Return on assets (ROA) | 1.1586% | 2,349 |
| Pretax return on assets | 1.5060% | 1,763 |
| Return on Equity (ROE) | 10.3340% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.4256% | 750 |
| Net charge-offs to loans | 0.1581% | 1,217 |
| Credit loss provision to net charge-offs | 73.6216% | 2,945 |
| Earnings coverage of net charge-offs (x) | 12.4001% | 2,533 |
| Efficiency ratio | 63.8501% | 3,211 |
| Assets per employee ($millions) | 5.1342% | 2,345 |
| Cash dividends to net income (ytd only)* | 8.7911% | 3,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 1,342 |
| Loan loss allowance to noncurrent loans | 171.4891% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 1,826 |
| Noncurrent loans to loans | 0.8648% | 1,869 |
| Net loans and leases to total assets | 78.5853% | 1,170 |
| Net loans and leases to deposits | 90.9047% | 1,683 |
| Net loans and leases to core deposits | 97.1750% | 1,953 |
| Total domestic deposits to total assets | 86.4480% | 2,036 |
| Equity capital to assets | 11.2663% | 2,458 |
| Core capital (leverage) ratio | 11.3249% | 2,244 |
| Tier 1 risk-based capital ratio | 12.8867% | 3,910 |
| Total risk-based capital ratio | 14.1383% | 3,802 |
| Memoranda: | ||
| Average total assets | $2,454,532,000 | 364 |
| Average earning assets | $2,269,677,000 | 358 |
| Average equity | $275,188,000 | 358 |
| Average total loans | $2,018,971,800 | 327 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,629 |
| Cost of funding earning assets | 0.7009% | 1,842 |
| Net interest margin | 4.0143% | 1,913 |
| Noninterest income to average assets | 0.7645% | 1,608 |
| Noninterest expense to average assets | 2.8326% | 2,523 |
| Loan and lease loss provision to assets | 0.0714% | 2,533 |
| Net operating income to assets | 1.2091% | 2,208 |
| Return on assets (ROA) | 1.2091% | 2,210 |
| Pretax return on assets | 1.5731% | 1,663 |
| Return on Equity (ROE) | 10.7982% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.5713% | 1,035 |
| Net charge-offs to loans | 0.1649% | 1,003 |
| Credit loss provision to net charge-offs | 52.2508% | 2,810 |
| Earnings coverage of net charge-offs (x) | 12.0289% | 2,478 |
| Efficiency ratio | 63.1241% | 3,316 |
| Assets per employee ($millions) | 5.0123% | 2,453 |
| Cash dividends to net income (ytd only)* | 11.3621% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 1,514 |
| Loan loss allowance to noncurrent loans | 117.9408% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 1,346 |
| Noncurrent loans to loans | 1.2308% | 1,369 |
| Net loans and leases to total assets | 82.4844% | 631 |
| Net loans and leases to deposits | 96.6654% | 1,077 |
| Net loans and leases to core deposits | 102.4810% | 1,568 |
| Total domestic deposits to total assets | 85.3298% | 2,476 |
| Equity capital to assets | 11.3750% | 2,343 |
| Core capital (leverage) ratio | 11.3377% | 2,300 |
| Tier 1 risk-based capital ratio | 12.4552% | 4,222 |
| Total risk-based capital ratio | 13.7063% | 4,111 |
| Memoranda: | ||
| Average total assets | $2,426,385,000 | 366 |
| Average earning assets | $2,243,995,500 | 359 |
| Average equity | $271,680,250 | 361 |
| Average total loans | $2,011,777,500 | 326 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 1,679 |
| Cost of funding earning assets | 0.6440% | 1,965 |
| Net interest margin | 3.9905% | 1,894 |
| Noninterest income to average assets | 0.7460% | 1,663 |
| Noninterest expense to average assets | 2.8496% | 2,504 |
| Loan and lease loss provision to assets | 0.0829% | 2,256 |
| Net operating income to assets | 1.1604% | 2,348 |
| Return on assets (ROA) | 1.1604% | 2,350 |
| Pretax return on assets | 1.5050% | 1,797 |
| Return on Equity (ROE) | 10.4206% | 2,372 |
| Retained earnings to average equity (ytd only) | 8.5587% | 1,372 |
| Net charge-offs to loans | 0.2348% | 679 |
| Credit loss provision to net charge-offs | 42.7350% | 2,543 |
| Earnings coverage of net charge-offs (x) | 8.1821% | 2,496 |
| Efficiency ratio | 64.0706% | 3,311 |
| Assets per employee ($millions) | 4.9038% | 2,556 |
| Cash dividends to net income (ytd only)* | 17.8674% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,485 |
| Loan loss allowance to noncurrent loans | 110.0870% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 1,259 |
| Noncurrent loans to loans | 1.3355% | 1,273 |
| Net loans and leases to total assets | 82.3060% | 678 |
| Net loans and leases to deposits | 95.9091% | 1,151 |
| Net loans and leases to core deposits | 100.8979% | 1,659 |
| Total domestic deposits to total assets | 85.8166% | 2,362 |
| Equity capital to assets | 11.2505% | 2,408 |
| Core capital (leverage) ratio | 11.1544% | 2,385 |
| Tier 1 risk-based capital ratio | 12.3502% | 4,275 |
| Total risk-based capital ratio | 13.6016% | 4,162 |
| Memoranda: | ||
| Average total assets | $2,411,486,330 | 367 |
| Average earning assets | $2,230,813,000 | 360 |
| Average equity | $268,545,000 | 362 |
| Average total loans | $1,992,943,670 | 326 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 1,735 |
| Cost of funding earning assets | 0.5975% | 2,069 |
| Net interest margin | 3.9461% | 1,877 |
| Noninterest income to average assets | 0.7268% | 1,714 |
| Noninterest expense to average assets | 2.9165% | 2,303 |
| Loan and lease loss provision to assets | 0.1166% | 1,624 |
| Net operating income to assets | 1.0334% | 2,720 |
| Return on assets (ROA) | 1.0334% | 2,738 |
| Pretax return on assets | 1.3446% | 2,205 |
| Return on Equity (ROE) | 9.3280% | 2,749 |
| Retained earnings to average equity (ytd only) | 9.3280% | 1,351 |
| Net charge-offs to loans | 0.1303% | 1,023 |
| Credit loss provision to net charge-offs | 108.8647% | 1,462 |
| Earnings coverage of net charge-offs (x) | 13.6407% | 1,744 |
| Efficiency ratio | 66.4739% | 3,085 |
| Assets per employee ($millions) | 4.7169% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 1,186 |
| Loan loss allowance to noncurrent loans | 142.3797% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 1,685 |
| Noncurrent loans to loans | 1.1154% | 1,643 |
| Net loans and leases to total assets | 80.5471% | 862 |
| Net loans and leases to deposits | 93.0577% | 1,322 |
| Net loans and leases to core deposits | 101.3703% | 1,581 |
| Total domestic deposits to total assets | 86.5561% | 2,291 |
| Equity capital to assets | 11.1612% | 2,417 |
| Core capital (leverage) ratio | 11.0298% | 2,412 |
| Tier 1 risk-based capital ratio | 12.4625% | 4,268 |
| Total risk-based capital ratio | 13.7153% | 4,165 |
| Memoranda: | ||
| Average total assets | $2,401,088,500 | 372 |
| Average earning assets | $2,221,430,500 | 364 |
| Average equity | $265,995,000 | 365 |
| Average total loans | $1,973,523,500 | 332 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5678% | 1,518 |
| Cost of funding earning assets | 0.4792% | 2,512 |
| Net interest margin | 4.0886% | 1,483 |
| Noninterest income to average assets | 0.7710% | 1,689 |
| Noninterest expense to average assets | 2.7792% | 2,849 |
| Loan and lease loss provision to assets | 0.2296% | 849 |
| Net operating income to assets | 0.7379% | 3,437 |
| Return on assets (ROA) | 0.7373% | 3,481 |
| Pretax return on assets | 1.5338% | 1,508 |
| Return on Equity (ROE) | 6.6967% | 3,432 |
| Retained earnings to average equity (ytd only) | 4.6305% | 2,371 |
| Net charge-offs to loans | 0.0184% | 3,490 |
| Credit loss provision to net charge-offs | 1,525.4237% | 257 |
| Earnings coverage of net charge-offs (x) | 117.2203% | 576 |
| Efficiency ratio | 60.8999% | 4,129 |
| Assets per employee ($millions) | 4.8612% | 2,657 |
| Cash dividends to net income (ytd only)* | 30.8535% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 1,192 |
| Loan loss allowance to noncurrent loans | 178.1755% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 2,065 |
| Noncurrent loans to loans | 0.8855% | 2,007 |
| Net loans and leases to total assets | 81.2378% | 794 |
| Net loans and leases to deposits | 93.6753% | 1,307 |
| Net loans and leases to core deposits | 102.6885% | 1,511 |
| Total domestic deposits to total assets | 86.7227% | 2,132 |
| Equity capital to assets | 10.9947% | 2,628 |
| Core capital (leverage) ratio | 10.7446% | 2,600 |
| Tier 1 risk-based capital ratio | 12.1279% | 4,442 |
| Total risk-based capital ratio | 13.3805% | 4,336 |
| Memoranda: | ||
| Average total assets | $2,351,859,000 | 362 |
| Average earning assets | $2,170,119,600 | 355 |
| Average equity | $258,934,000 | 358 |
| Average total loans | $1,928,993,800 | 321 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 1,525 |
| Cost of funding earning assets | 0.4556% | 2,657 |
| Net interest margin | 4.0863% | 1,426 |
| Noninterest income to average assets | 0.7563% | 1,751 |
| Noninterest expense to average assets | 2.7910% | 2,758 |
| Loan and lease loss provision to assets | 0.2392% | 741 |
| Net operating income to assets | 0.9577% | 2,731 |
| Return on assets (ROA) | 0.9568% | 2,795 |
| Pretax return on assets | 1.4972% | 1,776 |
| Return on Equity (ROE) | 8.6878% | 2,770 |
| Retained earnings to average equity (ytd only) | 5.9209% | 2,298 |
| Net charge-offs to loans | -0.0011% | 4,278 |
| Credit loss provision to net charge-offs | -26,250.0000% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3529% | 3,985 |
| Assets per employee ($millions) | 4.7415% | 2,771 |
| Cash dividends to net income (ytd only)* | 31.8491% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,450 |
| Loan loss allowance to noncurrent loans | 231.5978% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 2,802 |
| Noncurrent loans to loans | 0.6577% | 2,728 |
| Net loans and leases to total assets | 82.0359% | 678 |
| Net loans and leases to deposits | 97.4468% | 970 |
| Net loans and leases to core deposits | 109.1439% | 1,082 |
| Total domestic deposits to total assets | 84.1854% | 3,050 |
| Equity capital to assets | 11.0266% | 2,840 |
| Core capital (leverage) ratio | 10.8355% | 2,610 |
| Tier 1 risk-based capital ratio | 12.0267% | 4,596 |
| Total risk-based capital ratio | 13.2787% | 4,487 |
| Memoranda: | ||
| Average total assets | $2,340,685,500 | 360 |
| Average earning assets | $2,160,875,250 | 356 |
| Average equity | $257,794,250 | 360 |
| Average total loans | $1,916,712,750 | 324 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 1,551 |
| Cost of funding earning assets | 0.4246% | 2,854 |
| Net interest margin | 4.0622% | 1,424 |
| Noninterest income to average assets | 0.7214% | 1,901 |
| Noninterest expense to average assets | 2.8184% | 2,686 |
| Loan and lease loss provision to assets | 0.2325% | 739 |
| Net operating income to assets | 0.9083% | 2,873 |
| Return on assets (ROA) | 0.9070% | 2,926 |
| Pretax return on assets | 1.4163% | 1,945 |
| Return on Equity (ROE) | 8.2388% | 2,893 |
| Retained earnings to average equity (ytd only) | 6.4008% | 1,901 |
| Net charge-offs to loans | 0.0346% | 2,498 |
| Credit loss provision to net charge-offs | 825.6881% | 452 |
| Earnings coverage of net charge-offs (x) | 58.6300% | 966 |
| Efficiency ratio | 62.7820% | 3,851 |
| Assets per employee ($millions) | 4.6344% | 2,883 |
| Cash dividends to net income (ytd only)* | 22.3087% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,762 |
| Loan loss allowance to noncurrent loans | 244.8353% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 3,026 |
| Noncurrent loans to loans | 0.5921% | 2,955 |
| Net loans and leases to total assets | 81.6080% | 725 |
| Net loans and leases to deposits | 95.8656% | 1,093 |
| Net loans and leases to core deposits | 107.1403% | 1,149 |
| Total domestic deposits to total assets | 85.1275% | 2,762 |
| Equity capital to assets | 10.9758% | 2,834 |
| Core capital (leverage) ratio | 10.8835% | 2,523 |
| Tier 1 risk-based capital ratio | 12.0366% | 4,608 |
| Total risk-based capital ratio | 13.2878% | 4,491 |
| Memoranda: | ||
| Average total assets | $2,322,769,670 | 366 |
| Average earning assets | $2,143,043,330 | 361 |
| Average equity | $255,717,330 | 364 |
| Average total loans | $1,890,725,000 | 331 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 1,713 |
| Cost of funding earning assets | 0.4035% | 2,964 |
| Net interest margin | 3.9773% | 1,530 |
| Noninterest income to average assets | 0.7127% | 1,906 |
| Noninterest expense to average assets | 2.8578% | 2,587 |
| Loan and lease loss provision to assets | 0.2091% | 781 |
| Net operating income to assets | 0.8395% | 3,044 |
| Return on assets (ROA) | 0.8382% | 3,094 |
| Pretax return on assets | 1.3055% | 2,216 |
| Return on Equity (ROE) | 7.6016% | 3,116 |
| Retained earnings to average equity (ytd only) | 3.8877% | 3,509 |
| Net charge-offs to loans | 0.0434% | 1,965 |
| Credit loss provision to net charge-offs | 597.0149% | 523 |
| Earnings coverage of net charge-offs (x) | 43.3035% | 977 |
| Efficiency ratio | 65.0374% | 3,658 |
| Assets per employee ($millions) | 4.4699% | 3,214 |
| Cash dividends to net income (ytd only)* | 48.8565% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 1,849 |
| Loan loss allowance to noncurrent loans | 194.1118% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 2,711 |
| Noncurrent loans to loans | 0.7499% | 2,615 |
| Net loans and leases to total assets | 79.8842% | 844 |
| Net loans and leases to deposits | 92.5161% | 1,269 |
| Net loans and leases to core deposits | 101.1467% | 1,432 |
| Total domestic deposits to total assets | 86.3463% | 2,518 |
| Equity capital to assets | 11.0634% | 2,567 |
| Core capital (leverage) ratio | 10.9257% | 2,445 |
| Tier 1 risk-based capital ratio | 12.3283% | 4,493 |
| Total risk-based capital ratio | 13.5795% | 4,397 |
| Memoranda: | ||
| Average total assets | $2,295,436,000 | 370 |
| Average earning assets | $2,113,403,000 | 366 |
| Average equity | $253,105,000 | 368 |
| Average total loans | $1,851,729,500 | 336 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 1,767 |
| Cost of funding earning assets | 0.3902% | 3,101 |
| Net interest margin | 4.0311% | 1,552 |
| Noninterest income to average assets | 0.8352% | 1,633 |
| Noninterest expense to average assets | 2.8316% | 2,917 |
| Loan and lease loss provision to assets | 0.1464% | 1,702 |
| Net operating income to assets | 1.0152% | 2,286 |
| Return on assets (ROA) | 1.0165% | 2,382 |
| Pretax return on assets | 1.5699% | 1,372 |
| Return on Equity (ROE) | 9.3693% | 2,243 |
| Retained earnings to average equity (ytd only) | 6.7934% | 1,311 |
| Net charge-offs to loans | 0.2115% | 1,313 |
| Credit loss provision to net charge-offs | 86.7964% | 2,859 |
| Earnings coverage of net charge-offs (x) | 10.1652% | 2,670 |
| Efficiency ratio | 61.8701% | 4,278 |
| Assets per employee ($millions) | 4.4531% | 3,185 |
| Cash dividends to net income (ytd only)* | 27.4929% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,987 |
| Loan loss allowance to noncurrent loans | 167.1351% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 2,579 |
| Noncurrent loans to loans | 0.8520% | 2,401 |
| Net loans and leases to total assets | 79.1305% | 1,023 |
| Net loans and leases to deposits | 91.5200% | 1,511 |
| Net loans and leases to core deposits | 99.1907% | 1,692 |
| Total domestic deposits to total assets | 86.4625% | 2,390 |
| Equity capital to assets | 10.9892% | 2,636 |
| Core capital (leverage) ratio | 10.7890% | 2,543 |
| Tier 1 risk-based capital ratio | 12.3446% | 4,479 |
| Total risk-based capital ratio | 13.5953% | 4,369 |
| Memoranda: | ||
| Average total assets | $2,254,408,600 | 365 |
| Average earning assets | $2,075,250,800 | 360 |
| Average equity | $244,575,400 | 369 |
| Average total loans | $1,797,526,800 | 330 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 1,829 |
| Cost of funding earning assets | 0.3840% | 3,189 |
| Net interest margin | 4.0273% | 1,581 |
| Noninterest income to average assets | 0.7596% | 1,934 |
| Noninterest expense to average assets | 2.8191% | 2,941 |
| Loan and lease loss provision to assets | 0.1425% | 1,644 |
| Net operating income to assets | 0.9632% | 2,602 |
| Return on assets (ROA) | 0.9649% | 2,726 |
| Pretax return on assets | 1.5121% | 1,675 |
| Return on Equity (ROE) | 8.9232% | 2,540 |
| Retained earnings to average equity (ytd only) | 6.2328% | 2,044 |
| Net charge-offs to loans | 0.1815% | 1,290 |
| Credit loss provision to net charge-offs | 98.6031% | 2,404 |
| Earnings coverage of net charge-offs (x) | 11.4318% | 2,483 |
| Efficiency ratio | 62.6247% | 4,122 |
| Assets per employee ($millions) | 4.3858% | 3,271 |
| Cash dividends to net income (ytd only)* | 30.1501% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 2,003 |
| Loan loss allowance to noncurrent loans | 155.1768% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 2,555 |
| Noncurrent loans to loans | 0.9302% | 2,388 |
| Net loans and leases to total assets | 80.0403% | 891 |
| Net loans and leases to deposits | 95.1426% | 1,133 |
| Net loans and leases to core deposits | 103.6160% | 1,373 |
| Total domestic deposits to total assets | 84.1266% | 3,174 |
| Equity capital to assets | 10.9661% | 3,046 |
| Core capital (leverage) ratio | 10.7246% | 2,757 |
| Tier 1 risk-based capital ratio | 12.0549% | 4,760 |
| Total risk-based capital ratio | 13.3059% | 4,659 |
| Memoranda: | ||
| Average total assets | $2,245,793,750 | 366 |
| Average earning assets | $2,069,640,250 | 363 |
| Average equity | $242,837,000 | 372 |
| Average total loans | $1,787,569,250 | 331 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 1,884 |
| Cost of funding earning assets | 0.3725% | 3,333 |
| Net interest margin | 4.0073% | 1,621 |
| Noninterest income to average assets | 0.7415% | 1,966 |
| Noninterest expense to average assets | 2.8306% | 2,918 |
| Loan and lease loss provision to assets | 0.1341% | 1,702 |
| Net operating income to assets | 0.9397% | 2,677 |
| Return on assets (ROA) | 0.9423% | 2,805 |
| Pretax return on assets | 1.4739% | 1,757 |
| Return on Equity (ROE) | 8.7564% | 2,608 |
| Retained earnings to average equity (ytd only) | 6.9287% | 1,639 |
| Net charge-offs to loans | 0.2506% | 947 |
| Credit loss provision to net charge-offs | 67.6895% | 2,498 |
| Earnings coverage of net charge-offs (x) | 8.0961% | 2,551 |
| Efficiency ratio | 63.3994% | 4,118 |
| Assets per employee ($millions) | 4.4134% | 3,192 |
| Cash dividends to net income (ytd only)* | 20.8729% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 2,135 |
| Loan loss allowance to noncurrent loans | 125.3490% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.9571% | 2,233 |
| Noncurrent loans to loans | 1.1445% | 2,008 |
| Net loans and leases to total assets | 79.0585% | 1,057 |
| Net loans and leases to deposits | 94.2853% | 1,263 |
| Net loans and leases to core deposits | 101.3042% | 1,531 |
| Total domestic deposits to total assets | 83.8503% | 3,332 |
| Equity capital to assets | 10.9339% | 3,124 |
| Core capital (leverage) ratio | 10.7352% | 2,708 |
| Tier 1 risk-based capital ratio | 12.1267% | 4,755 |
| Total risk-based capital ratio | 13.3775% | 4,670 |
| Memoranda: | ||
| Average total assets | $2,237,110,670 | 366 |
| Average earning assets | $2,061,689,670 | 365 |
| Average equity | $240,738,330 | 375 |
| Average total loans | $1,768,418,000 | 333 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 2,013 |
| Cost of funding earning assets | 0.3639% | 3,460 |
| Net interest margin | 3.9722% | 1,704 |
| Noninterest income to average assets | 0.7072% | 2,007 |
| Noninterest expense to average assets | 2.8577% | 2,854 |
| Loan and lease loss provision to assets | 0.1077% | 1,912 |
| Net operating income to assets | 0.8932% | 2,790 |
| Return on assets (ROA) | 0.8932% | 2,918 |
| Pretax return on assets | 1.4001% | 1,905 |
| Return on Equity (ROE) | 8.3678% | 2,726 |
| Retained earnings to average equity (ytd only) | 4.6675% | 3,138 |
| Net charge-offs to loans | 0.1533% | 1,201 |
| Credit loss provision to net charge-offs | 89.5522% | 1,766 |
| Earnings coverage of net charge-offs (x) | 12.5358% | 1,785 |
| Efficiency ratio | 65.0204% | 3,969 |
| Assets per employee ($millions) | 4.3614% | 3,304 |
| Cash dividends to net income (ytd only)* | 44.2211% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 1,894 |
| Loan loss allowance to noncurrent loans | 124.3025% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9785% | 2,263 |
| Noncurrent loans to loans | 1.2251% | 1,972 |
| Net loans and leases to total assets | 77.1757% | 1,224 |
| Net loans and leases to deposits | 89.3323% | 1,655 |
| Net loans and leases to core deposits | 93.5153% | 2,047 |
| Total domestic deposits to total assets | 86.3917% | 2,497 |
| Equity capital to assets | 10.7574% | 3,199 |
| Core capital (leverage) ratio | 10.5251% | 2,932 |
| Tier 1 risk-based capital ratio | 12.2400% | 4,758 |
| Total risk-based capital ratio | 13.4918% | 4,658 |
| Memoranda: | ||
| Average total assets | $2,228,051,500 | 367 |
| Average earning assets | $2,052,052,500 | 364 |
| Average equity | $237,815,000 | 377 |
| Average total loans | $1,748,176,000 | 330 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 1,878 |
| Cost of funding earning assets | 0.3514% | 3,688 |
| Net interest margin | 4.0552% | 1,549 |
| Noninterest income to average assets | 0.7475% | 1,997 |
| Noninterest expense to average assets | 2.8036% | 3,215 |
| Loan and lease loss provision to assets | 0.1239% | 1,941 |
| Net operating income to assets | 0.9725% | 2,506 |
| Return on assets (ROA) | 0.9737% | 2,578 |
| Pretax return on assets | 1.5433% | 1,424 |
| Return on Equity (ROE) | 9.2932% | 2,322 |
| Retained earnings to average equity (ytd only) | 6.7756% | 1,387 |
| Net charge-offs to loans | 0.0054% | 4,263 |
| Credit loss provision to net charge-offs | 2,934.7826% | 130 |
| Earnings coverage of net charge-offs (x) | 394.5435% | 167 |
| Efficiency ratio | 62.1726% | 4,577 |
| Assets per employee ($millions) | 4.3504% | 3,305 |
| Cash dividends to net income (ytd only)* | 27.0907% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,883 |
| Loan loss allowance to noncurrent loans | 183.8977% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 3,070 |
| Noncurrent loans to loans | 0.8288% | 2,721 |
| Net loans and leases to total assets | 77.3579% | 1,200 |
| Net loans and leases to deposits | 89.3063% | 1,710 |
| Net loans and leases to core deposits | 93.2796% | 2,110 |
| Total domestic deposits to total assets | 86.6209% | 2,313 |
| Equity capital to assets | 10.5899% | 3,264 |
| Core capital (leverage) ratio | 10.5772% | 2,847 |
| Tier 1 risk-based capital ratio | 12.0107% | 4,944 |
| Total risk-based capital ratio | 13.2624% | 4,840 |
| Memoranda: | ||
| Average total assets | $2,179,775,800 | 359 |
| Average earning assets | $2,000,366,200 | 356 |
| Average equity | $228,393,600 | 374 |
| Average total loans | $1,711,299,400 | 316 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 1,908 |
| Cost of funding earning assets | 0.3498% | 3,757 |
| Net interest margin | 4.0549% | 1,544 |
| Noninterest income to average assets | 0.7621% | 1,974 |
| Noninterest expense to average assets | 2.7650% | 3,327 |
| Loan and lease loss provision to assets | 0.1476% | 1,477 |
| Net operating income to assets | 1.0012% | 2,463 |
| Return on assets (ROA) | 1.0028% | 2,549 |
| Pretax return on assets | 1.5761% | 1,456 |
| Return on Equity (ROE) | 9.5971% | 2,269 |
| Retained earnings to average equity (ytd only) | 6.2126% | 2,109 |
| Net charge-offs to loans | -0.0423% | 5,490 |
| Credit loss provision to net charge-offs | -444.4444% | 5,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0792% | 4,718 |
| Assets per employee ($millions) | 4.2202% | 3,479 |
| Cash dividends to net income (ytd only)* | 35.2653% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 1,976 |
| Loan loss allowance to noncurrent loans | 183.0689% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 3,168 |
| Noncurrent loans to loans | 0.8447% | 2,858 |
| Net loans and leases to total assets | 79.0859% | 944 |
| Net loans and leases to deposits | 94.0144% | 1,201 |
| Net loans and leases to core deposits | 98.3961% | 1,657 |
| Total domestic deposits to total assets | 84.1211% | 3,375 |
| Equity capital to assets | 10.6759% | 3,386 |
| Core capital (leverage) ratio | 10.4442% | 3,112 |
| Tier 1 risk-based capital ratio | 11.8292% | 5,180 |
| Total risk-based capital ratio | 13.0813% | 5,104 |
| Memoranda: | ||
| Average total assets | $2,167,868,750 | 365 |
| Average earning assets | $1,991,012,000 | 363 |
| Average equity | $226,522,000 | 381 |
| Average total loans | $1,701,689,000 | 322 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 1,989 |
| Cost of funding earning assets | 0.3480% | 3,830 |
| Net interest margin | 4.0084% | 1,619 |
| Noninterest income to average assets | 0.7537% | 1,981 |
| Noninterest expense to average assets | 2.7159% | 3,541 |
| Loan and lease loss provision to assets | 0.1662% | 1,261 |
| Net operating income to assets | 0.9859% | 2,470 |
| Return on assets (ROA) | 0.9871% | 2,568 |
| Pretax return on assets | 1.5518% | 1,476 |
| Return on Equity (ROE) | 9.5155% | 2,295 |
| Retained earnings to average equity (ytd only) | 5.9550% | 2,269 |
| Net charge-offs to loans | -0.0665% | 5,647 |
| Credit loss provision to net charge-offs | -320.8556% | 5,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7167% | 4,874 |
| Assets per employee ($millions) | 4.1913% | 3,485 |
| Cash dividends to net income (ytd only)* | 37.4181% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 2,175 |
| Loan loss allowance to noncurrent loans | 197.2672% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 3,537 |
| Noncurrent loans to loans | 0.7745% | 3,176 |
| Net loans and leases to total assets | 78.2769% | 1,036 |
| Net loans and leases to deposits | 92.9219% | 1,263 |
| Net loans and leases to core deposits | 96.6727% | 1,745 |
| Total domestic deposits to total assets | 84.2395% | 3,471 |
| Equity capital to assets | 10.4458% | 3,504 |
| Core capital (leverage) ratio | 10.3240% | 3,187 |
| Tier 1 risk-based capital ratio | 11.7480% | 5,309 |
| Total risk-based capital ratio | 12.9999% | 5,216 |
| Memoranda: | ||
| Average total assets | $2,166,024,000 | 365 |
| Average earning assets | $1,987,652,670 | 362 |
| Average equity | $224,686,000 | 385 |
| Average total loans | $1,686,967,000 | 323 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 2,053 |
| Cost of funding earning assets | 0.3487% | 3,869 |
| Net interest margin | 3.9639% | 1,677 |
| Noninterest income to average assets | 0.7627% | 1,855 |
| Noninterest expense to average assets | 2.7468% | 3,425 |
| Loan and lease loss provision to assets | 0.1666% | 1,201 |
| Net operating income to assets | 0.9430% | 2,546 |
| Return on assets (ROA) | 0.9453% | 2,669 |
| Pretax return on assets | 1.4837% | 1,614 |
| Return on Equity (ROE) | 9.1453% | 2,383 |
| Retained earnings to average equity (ytd only) | 9.1453% | 1,149 |
| Net charge-offs to loans | -0.0204% | 5,058 |
| Credit loss provision to net charge-offs | -1,058.8235% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9529% | 4,805 |
| Assets per employee ($millions) | 4.2611% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 2,380 |
| Loan loss allowance to noncurrent loans | 211.2526% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 3,785 |
| Noncurrent loans to loans | 0.7182% | 3,468 |
| Net loans and leases to total assets | 75.3938% | 1,294 |
| Net loans and leases to deposits | 86.6809% | 1,756 |
| Net loans and leases to core deposits | 90.0428% | 2,126 |
| Total domestic deposits to total assets | 86.9785% | 2,380 |
| Equity capital to assets | 10.5047% | 3,527 |
| Core capital (leverage) ratio | 10.2190% | 3,319 |
| Tier 1 risk-based capital ratio | 12.3394% | 5,018 |
| Total risk-based capital ratio | 12.4026% | 5,653 |
| Memoranda: | ||
| Average total assets | $2,161,386,500 | 365 |
| Average earning assets | $1,979,675,000 | 362 |
| Average equity | $223,415,500 | 384 |
| Average total loans | $1,665,862,000 | 324 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 2,332 |
| Cost of funding earning assets | 0.3766% | 3,949 |
| Net interest margin | 3.9907% | 1,925 |
| Noninterest income to average assets | 0.7870% | 1,922 |
| Noninterest expense to average assets | 2.8442% | 3,326 |
| Loan and lease loss provision to assets | 0.1925% | 1,332 |
| Net operating income to assets | 0.8837% | 2,954 |
| Return on assets (ROA) | 0.8838% | 3,039 |
| Pretax return on assets | 1.3894% | 1,918 |
| Return on Equity (ROE) | 8.6970% | 2,731 |
| Retained earnings to average equity (ytd only) | 6.2184% | 1,796 |
| Net charge-offs to loans | 0.0788% | 3,365 |
| Credit loss provision to net charge-offs | 321.1737% | 816 |
| Earnings coverage of net charge-offs (x) | 26.3973% | 1,465 |
| Efficiency ratio | 63.5891% | 4,649 |
| Assets per employee ($millions) | 4.2989% | 3,368 |
| Cash dividends to net income (ytd only)* | 28.4992% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 2,793 |
| Loan loss allowance to noncurrent loans | 216.4747% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5474% | 3,975 |
| Noncurrent loans to loans | 0.6611% | 3,696 |
| Net loans and leases to total assets | 76.4792% | 1,198 |
| Net loans and leases to deposits | 87.5258% | 1,788 |
| Net loans and leases to core deposits | 90.8387% | 2,198 |
| Total domestic deposits to total assets | 87.3791% | 2,094 |
| Equity capital to assets | 10.1695% | 3,896 |
| Core capital (leverage) ratio | 10.1029% | 3,434 |
| Tier 1 risk-based capital ratio | 11.7336% | 5,526 |
| Total risk-based capital ratio | 12.9846% | 5,433 |
| Memoranda: | ||
| Average total assets | $2,104,318,000 | 361 |
| Average earning assets | $1,918,843,000 | 356 |
| Average equity | $213,833,200 | 384 |
| Average total loans | $1,600,259,400 | 316 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 2,404 |
| Cost of funding earning assets | 0.3798% | 4,020 |
| Net interest margin | 3.9751% | 1,950 |
| Noninterest income to average assets | 0.7830% | 1,957 |
| Noninterest expense to average assets | 2.8319% | 3,342 |
| Loan and lease loss provision to assets | 0.2011% | 1,179 |
| Net operating income to assets | 0.8835% | 2,998 |
| Return on assets (ROA) | 0.8834% | 3,104 |
| Pretax return on assets | 1.3768% | 2,092 |
| Return on Equity (ROE) | 8.6951% | 2,847 |
| Retained earnings to average equity (ytd only) | 7.4385% | 1,601 |
| Net charge-offs to loans | 0.0764% | 3,108 |
| Credit loss provision to net charge-offs | 348.0663% | 807 |
| Earnings coverage of net charge-offs (x) | 27.3182% | 1,453 |
| Efficiency ratio | 63.5344% | 4,625 |
| Assets per employee ($millions) | 4.0840% | 3,698 |
| Cash dividends to net income (ytd only)* | 14.4519% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 3,010 |
| Loan loss allowance to noncurrent loans | 187.7295% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 3,643 |
| Noncurrent loans to loans | 0.7646% | 3,682 |
| Net loans and leases to total assets | 77.0740% | 1,083 |
| Net loans and leases to deposits | 90.6063% | 1,369 |
| Net loans and leases to core deposits | 93.9631% | 1,866 |
| Total domestic deposits to total assets | 85.0648% | 3,316 |
| Equity capital to assets | 10.4394% | 3,634 |
| Core capital (leverage) ratio | 10.2084% | 3,400 |
| Tier 1 risk-based capital ratio | 11.9302% | 5,531 |
| Total risk-based capital ratio | 13.1811% | 5,453 |
| Memoranda: | ||
| Average total assets | $2,088,733,250 | 357 |
| Average earning assets | $1,905,848,250 | 354 |
| Average equity | $212,207,000 | 384 |
| Average total loans | $1,580,048,750 | 314 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 2,661 |
| Cost of funding earning assets | 0.3812% | 4,094 |
| Net interest margin | 3.8990% | 2,175 |
| Noninterest income to average assets | 0.7481% | 2,056 |
| Noninterest expense to average assets | 2.8213% | 3,423 |
| Loan and lease loss provision to assets | 0.2013% | 1,194 |
| Net operating income to assets | 0.8153% | 3,255 |
| Return on assets (ROA) | 0.8153% | 3,357 |
| Pretax return on assets | 1.2818% | 2,329 |
| Return on Equity (ROE) | 8.0995% | 3,034 |
| Retained earnings to average equity (ytd only) | 6.1951% | 2,216 |
| Net charge-offs to loans | 0.0647% | 3,065 |
| Credit loss provision to net charge-offs | 415.8416% | 674 |
| Earnings coverage of net charge-offs (x) | 30.6396% | 1,242 |
| Efficiency ratio | 64.8437% | 4,560 |
| Assets per employee ($millions) | 4.0157% | 3,806 |
| Cash dividends to net income (ytd only)* | 23.5128% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 3,205 |
| Loan loss allowance to noncurrent loans | 158.3449% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 3,429 |
| Noncurrent loans to loans | 0.9013% | 3,451 |
| Net loans and leases to total assets | 75.7724% | 1,203 |
| Net loans and leases to deposits | 87.5414% | 1,651 |
| Net loans and leases to core deposits | 90.7178% | 2,055 |
| Total domestic deposits to total assets | 86.5561% | 2,730 |
| Equity capital to assets | 10.2540% | 3,754 |
| Core capital (leverage) ratio | 10.0098% | 3,596 |
| Tier 1 risk-based capital ratio | 11.8904% | 5,601 |
| Total risk-based capital ratio | 13.1413% | 5,521 |
| Memoranda: | ||
| Average total assets | $2,086,611,330 | 354 |
| Average earning assets | $1,903,219,000 | 347 |
| Average equity | $210,037,330 | 382 |
| Average total loans | $1,560,634,330 | 315 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 2,784 |
| Cost of funding earning assets | 0.3889% | 4,101 |
| Net interest margin | 3.8353% | 2,326 |
| Noninterest income to average assets | 0.7060% | 2,145 |
| Noninterest expense to average assets | 2.8311% | 3,452 |
| Loan and lease loss provision to assets | 0.2012% | 1,160 |
| Net operating income to assets | 0.7693% | 3,312 |
| Return on assets (ROA) | 0.7692% | 3,397 |
| Pretax return on assets | 1.1673% | 2,632 |
| Return on Equity (ROE) | 7.7137% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.7137% | 1,721 |
| Net charge-offs to loans | 0.0774% | 2,378 |
| Credit loss provision to net charge-offs | 352.3490% | 710 |
| Earnings coverage of net charge-offs (x) | 23.9732% | 1,204 |
| Efficiency ratio | 66.6895% | 4,416 |
| Assets per employee ($millions) | 4.0736% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 3,368 |
| Loan loss allowance to noncurrent loans | 183.9459% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 3,873 |
| Noncurrent loans to loans | 0.7883% | 3,897 |
| Net loans and leases to total assets | 72.3268% | 1,529 |
| Net loans and leases to deposits | 82.0431% | 2,039 |
| Net loans and leases to core deposits | 85.4007% | 2,378 |
| Total domestic deposits to total assets | 88.1571% | 2,138 |
| Equity capital to assets | 10.1713% | 3,637 |
| Core capital (leverage) ratio | 9.7652% | 3,912 |
| Tier 1 risk-based capital ratio | 12.3200% | 5,425 |
| Total risk-based capital ratio | 13.5710% | 5,355 |
| Memoranda: | ||
| Average total assets | $2,087,839,500 | 355 |
| Average earning assets | $1,901,919,000 | 348 |
| Average equity | $208,201,500 | 381 |
| Average total loans | $1,539,911,500 | 319 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 2,450 |
| Cost of funding earning assets | 0.5151% | 3,453 |
| Net interest margin | 3.9200% | 2,221 |
| Noninterest income to average assets | 0.7920% | 2,114 |
| Noninterest expense to average assets | 2.7178% | 4,034 |
| Loan and lease loss provision to assets | 0.2563% | 1,405 |
| Net operating income to assets | 0.9055% | 2,753 |
| Return on assets (ROA) | 0.9055% | 2,837 |
| Pretax return on assets | 1.3887% | 1,827 |
| Return on Equity (ROE) | 9.2645% | 2,429 |
| Retained earnings to average equity (ytd only) | 4.9180% | 2,654 |
| Net charge-offs to loans | 0.1905% | 2,939 |
| Credit loss provision to net charge-offs | 182.7994% | 1,257 |
| Earnings coverage of net charge-offs (x) | 11.7308% | 2,207 |
| Efficiency ratio | 61.9117% | 5,229 |
| Assets per employee ($millions) | 4.1463% | 3,540 |
| Cash dividends to net income (ytd only)* | 46.9154% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 3,835 |
| Loan loss allowance to noncurrent loans | 160.5889% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 3,934 |
| Noncurrent loans to loans | 0.8484% | 3,858 |
| Net loans and leases to total assets | 73.1053% | 1,506 |
| Net loans and leases to deposits | 82.5399% | 2,126 |
| Net loans and leases to core deposits | 85.9013% | 2,459 |
| Total domestic deposits to total assets | 88.5696% | 1,877 |
| Equity capital to assets | 9.7764% | 4,067 |
| Core capital (leverage) ratio | 9.6778% | 4,015 |
| Tier 1 risk-based capital ratio | 11.7256% | 5,792 |
| Total risk-based capital ratio | 12.9756% | 5,722 |
| Memoranda: | ||
| Average total assets | $2,048,016,000 | 349 |
| Average earning assets | $1,865,628,200 | 344 |
| Average equity | $200,161,400 | 388 |
| Average total loans | $1,507,364,600 | 308 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 2,509 |
| Cost of funding earning assets | 0.5360% | 3,410 |
| Net interest margin | 3.8886% | 2,316 |
| Noninterest income to average assets | 0.8031% | 2,129 |
| Noninterest expense to average assets | 2.6275% | 4,289 |
| Loan and lease loss provision to assets | 0.2656% | 1,334 |
| Net operating income to assets | 0.9549% | 2,566 |
| Return on assets (ROA) | 0.9549% | 2,668 |
| Pretax return on assets | 1.4564% | 1,739 |
| Return on Equity (ROE) | 9.7716% | 2,276 |
| Retained earnings to average equity (ytd only) | 3.9344% | 3,892 |
| Net charge-offs to loans | 0.1606% | 2,948 |
| Credit loss provision to net charge-offs | 225.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 14.5900% | 1,934 |
| Efficiency ratio | 60.1230% | 5,413 |
| Assets per employee ($millions) | 4.0984% | 3,639 |
| Cash dividends to net income (ytd only)* | 59.7363% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,074 |
| Loan loss allowance to noncurrent loans | 135.6822% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 3,849 |
| Noncurrent loans to loans | 1.0032% | 3,803 |
| Net loans and leases to total assets | 74.3182% | 1,246 |
| Net loans and leases to deposits | 86.7023% | 1,527 |
| Net loans and leases to core deposits | 90.7884% | 1,892 |
| Total domestic deposits to total assets | 85.7166% | 3,394 |
| Equity capital to assets | 9.8412% | 4,115 |
| Core capital (leverage) ratio | 9.7920% | 3,966 |
| Tier 1 risk-based capital ratio | 11.5111% | 6,056 |
| Total risk-based capital ratio | 12.7615% | 6,017 |
| Memoranda: | ||
| Average total assets | $2,033,442,250 | 352 |
| Average earning assets | $1,854,414,250 | 344 |
| Average equity | $198,721,250 | 389 |
| Average total loans | $1,493,932,250 | 311 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 2,559 |
| Cost of funding earning assets | 0.5662% | 3,255 |
| Net interest margin | 3.8348% | 2,426 |
| Noninterest income to average assets | 0.7911% | 2,230 |
| Noninterest expense to average assets | 2.6369% | 4,259 |
| Loan and lease loss provision to assets | 0.2816% | 1,298 |
| Net operating income to assets | 0.8993% | 2,803 |
| Return on assets (ROA) | 0.8993% | 2,946 |
| Pretax return on assets | 1.3734% | 2,025 |
| Return on Equity (ROE) | 9.2239% | 2,535 |
| Retained earnings to average equity (ytd only) | 7.1969% | 1,797 |
| Net charge-offs to loans | 0.0806% | 3,568 |
| Credit loss provision to net charge-offs | 479.7980% | 574 |
| Earnings coverage of net charge-offs (x) | 28.1970% | 1,193 |
| Efficiency ratio | 61.1497% | 5,302 |
| Assets per employee ($millions) | 3.9989% | 3,804 |
| Cash dividends to net income (ytd only)* | 21.9756% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 4,006 |
| Loan loss allowance to noncurrent loans | 132.4731% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 3,875 |
| Noncurrent loans to loans | 1.0616% | 3,804 |
| Net loans and leases to total assets | 74.7491% | 1,138 |
| Net loans and leases to deposits | 87.5120% | 1,405 |
| Net loans and leases to core deposits | 91.5779% | 1,753 |
| Total domestic deposits to total assets | 85.4158% | 3,685 |
| Equity capital to assets | 10.0094% | 3,904 |
| Core capital (leverage) ratio | 9.7251% | 3,901 |
| Tier 1 risk-based capital ratio | 11.8837% | 5,860 |
| Total risk-based capital ratio | 13.1350% | 5,815 |
| Memoranda: | ||
| Average total assets | $2,024,089,670 | 355 |
| Average earning assets | $1,847,801,000 | 345 |
| Average equity | $197,336,000 | 390 |
| Average total loans | $1,474,172,330 | 314 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 2,621 |
| Cost of funding earning assets | 0.6247% | 2,882 |
| Net interest margin | 3.7454% | 2,676 |
| Noninterest income to average assets | 0.7672% | 2,264 |
| Noninterest expense to average assets | 2.6216% | 4,330 |
| Loan and lease loss provision to assets | 0.3228% | 1,042 |
| Net operating income to assets | 0.8055% | 3,129 |
| Return on assets (ROA) | 0.8055% | 3,263 |
| Pretax return on assets | 1.2328% | 2,457 |
| Return on Equity (ROE) | 8.3705% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.3705% | 1,617 |
| Net charge-offs to loans | -0.0069% | 5,338 |
| Credit loss provision to net charge-offs | -6,600.0000% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4637% | 5,243 |
| Assets per employee ($millions) | 4.1653% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 4,044 |
| Loan loss allowance to noncurrent loans | 109.8190% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0713% | 3,789 |
| Noncurrent loans to loans | 1.3129% | 3,592 |
| Net loans and leases to total assets | 69.3098% | 1,779 |
| Net loans and leases to deposits | 78.2690% | 2,303 |
| Net loans and leases to core deposits | 81.5203% | 2,635 |
| Total domestic deposits to total assets | 88.5533% | 1,972 |
| Equity capital to assets | 9.8006% | 4,415 |
| Core capital (leverage) ratio | 9.4357% | 4,188 |
| Tier 1 risk-based capital ratio | 12.3130% | 5,709 |
| Total risk-based capital ratio | 13.5621% | 5,662 |
| Memoranda: | ||
| Average total assets | $2,044,419,000 | 349 |
| Average earning assets | $1,861,392,000 | 346 |
| Average equity | $196,739,000 | 394 |
| Average total loans | $1,459,386,500 | 316 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 2,310 |
| Cost of funding earning assets | 0.9055% | 1,907 |
| Net interest margin | 3.8668% | 2,959 |
| Noninterest income to average assets | 0.8128% | 2,207 |
| Noninterest expense to average assets | 2.5972% | 4,756 |
| Loan and lease loss provision to assets | 0.3503% | 1,906 |
| Net operating income to assets | 0.9270% | 2,666 |
| Return on assets (ROA) | 0.9270% | 2,914 |
| Pretax return on assets | 1.4244% | 1,952 |
| Return on Equity (ROE) | 9.5601% | 2,380 |
| Retained earnings to average equity (ytd only) | 8.3290% | 1,022 |
| Net charge-offs to loans | 0.4270% | 2,529 |
| Credit loss provision to net charge-offs | 111.7920% | 2,606 |
| Earnings coverage of net charge-offs (x) | 5.6635% | 2,982 |
| Efficiency ratio | 59.1049% | 5,687 |
| Assets per employee ($millions) | 4.2481% | 3,466 |
| Cash dividends to net income (ytd only)* | 12.8772% | 3,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 4,801 |
| Loan loss allowance to noncurrent loans | 108.1892% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 4,092 |
| Noncurrent loans to loans | 1.1702% | 3,897 |
| Net loans and leases to total assets | 71.5108% | 1,567 |
| Net loans and leases to deposits | 80.5583% | 2,213 |
| Net loans and leases to core deposits | 83.9954% | 2,552 |
| Total domestic deposits to total assets | 88.7690% | 1,719 |
| Equity capital to assets | 9.4486% | 4,937 |
| Core capital (leverage) ratio | 9.4460% | 4,186 |
| Tier 1 risk-based capital ratio | 11.4190% | 6,155 |
| Total risk-based capital ratio | 12.5840% | 6,168 |
| Memoranda: | ||
| Average total assets | $1,926,824,600 | 366 |
| Average earning assets | $1,773,510,400 | 349 |
| Average equity | $186,828,400 | 394 |
| Average total loans | $1,414,197,800 | 316 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8148% | 2,341 |
| Cost of funding earning assets | 0.9369% | 1,942 |
| Net interest margin | 3.8779% | 2,993 |
| Noninterest income to average assets | 0.8199% | 2,159 |
| Noninterest expense to average assets | 2.7098% | 4,326 |
| Loan and lease loss provision to assets | 0.3063% | 2,159 |
| Net operating income to assets | 0.9146% | 2,913 |
| Return on assets (ROA) | 0.9146% | 3,138 |
| Pretax return on assets | 1.3971% | 2,247 |
| Return on Equity (ROE) | 9.3679% | 2,647 |
| Retained earnings to average equity (ytd only) | 7.7091% | 1,748 |
| Net charge-offs to loans | 0.4040% | 2,480 |
| Credit loss provision to net charge-offs | 102.9342% | 2,861 |
| Earnings coverage of net charge-offs (x) | 5.7241% | 2,945 |
| Efficiency ratio | 61.0991% | 5,300 |
| Assets per employee ($millions) | 3.9086% | 4,061 |
| Cash dividends to net income (ytd only)* | 17.7073% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 4,906 |
| Loan loss allowance to noncurrent loans | 96.9235% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.1281% | 4,035 |
| Noncurrent loans to loans | 1.3193% | 3,832 |
| Net loans and leases to total assets | 74.8513% | 1,127 |
| Net loans and leases to deposits | 85.1765% | 1,704 |
| Net loans and leases to core deposits | 89.2050% | 2,085 |
| Total domestic deposits to total assets | 87.8779% | 2,114 |
| Equity capital to assets | 10.0771% | 4,389 |
| Core capital (leverage) ratio | 9.6850% | 3,987 |
| Tier 1 risk-based capital ratio | 11.8613% | 6,019 |
| Total risk-based capital ratio | 13.0660% | 6,027 |
| Memoranda: | ||
| Average total assets | $1,893,449,750 | 375 |
| Average earning assets | $1,754,475,750 | 358 |
| Average equity | $184,867,500 | 398 |
| Average total loans | $1,394,685,500 | 322 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 2,528 |
| Cost of funding earning assets | 0.9528% | 2,044 |
| Net interest margin | 3.8427% | 3,167 |
| Noninterest income to average assets | 0.7989% | 2,186 |
| Noninterest expense to average assets | 2.7022% | 4,410 |
| Loan and lease loss provision to assets | 0.3166% | 2,085 |
| Net operating income to assets | 0.8764% | 3,010 |
| Return on assets (ROA) | 0.8764% | 3,266 |
| Pretax return on assets | 1.3412% | 2,417 |
| Return on Equity (ROE) | 9.0728% | 2,787 |
| Retained earnings to average equity (ytd only) | 9.0728% | 1,251 |
| Net charge-offs to loans | 0.2914% | 2,865 |
| Credit loss provision to net charge-offs | 148.9573% | 1,859 |
| Earnings coverage of net charge-offs (x) | 7.8004% | 2,418 |
| Efficiency ratio | 61.6705% | 5,300 |
| Assets per employee ($millions) | 3.9554% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 4,620 |
| Loan loss allowance to noncurrent loans | 81.3601% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 3,665 |
| Noncurrent loans to loans | 1.6710% | 3,392 |
| Net loans and leases to total assets | 74.3259% | 1,202 |
| Net loans and leases to deposits | 85.4274% | 1,666 |
| Net loans and leases to core deposits | 89.1465% | 2,079 |
| Total domestic deposits to total assets | 87.0048% | 2,760 |
| Equity capital to assets | 10.0297% | 4,287 |
| Core capital (leverage) ratio | 9.7770% | 3,746 |
| Tier 1 risk-based capital ratio | 11.8671% | 6,015 |
| Total risk-based capital ratio | 13.1181% | 5,985 |
| Memoranda: | ||
| Average total assets | $1,895,309,670 | 375 |
| Average earning assets | $1,756,417,330 | 360 |
| Average equity | $183,075,670 | 403 |
| Average total loans | $1,382,447,670 | 324 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 2,792 |
| Cost of funding earning assets | 0.9756% | 2,129 |
| Net interest margin | 3.7879% | 3,448 |
| Noninterest income to average assets | 0.8077% | 2,131 |
| Noninterest expense to average assets | 2.6707% | 4,540 |
| Loan and lease loss provision to assets | 0.3145% | 1,992 |
| Net operating income to assets | 0.8774% | 3,027 |
| Return on assets (ROA) | 0.8774% | 3,250 |
| Pretax return on assets | 1.3324% | 2,415 |
| Return on Equity (ROE) | 9.2571% | 2,705 |
| Retained earnings to average equity (ytd only) | 9.2571% | 1,499 |
| Net charge-offs to loans | 0.5324% | 1,756 |
| Credit loss provision to net charge-offs | 82.3271% | 2,690 |
| Earnings coverage of net charge-offs (x) | 4.3106% | 2,598 |
| Efficiency ratio | 61.5493% | 5,362 |
| Assets per employee ($millions) | 4.0951% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 4,935 |
| Loan loss allowance to noncurrent loans | 83.8089% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 4,108 |
| Noncurrent loans to loans | 1.5729% | 3,750 |
| Net loans and leases to total assets | 69.9021% | 1,770 |
| Net loans and leases to deposits | 79.1167% | 2,328 |
| Net loans and leases to core deposits | 82.9387% | 2,699 |
| Total domestic deposits to total assets | 88.3532% | 2,095 |
| Equity capital to assets | 9.5648% | 4,703 |
| Core capital (leverage) ratio | 9.1357% | 4,628 |
| Tier 1 risk-based capital ratio | 12.0493% | 5,927 |
| Total risk-based capital ratio | 13.2888% | 5,923 |
| Memoranda: | ||
| Average total assets | $1,907,522,500 | 371 |
| Average earning assets | $1,767,510,000 | 356 |
| Average equity | $180,791,500 | 407 |
| Average total loans | $1,368,813,000 | 324 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1330% | 2,317 |
| Cost of funding earning assets | 1.1866% | 2,114 |
| Net interest margin | 3.9464% | 3,130 |
| Noninterest income to average assets | 0.8017% | 2,050 |
| Noninterest expense to average assets | 2.7839% | 4,405 |
| Loan and lease loss provision to assets | 0.2911% | 3,336 |
| Net operating income to assets | 0.8956% | 2,622 |
| Return on assets (ROA) | 0.8969% | 2,748 |
| Pretax return on assets | 1.3850% | 1,825 |
| Return on Equity (ROE) | 9.6141% | 2,203 |
| Retained earnings to average equity (ytd only) | 8.4366% | 942 |
| Net charge-offs to loans | 0.2314% | 4,332 |
| Credit loss provision to net charge-offs | 167.7746% | 1,608 |
| Earnings coverage of net charge-offs (x) | 9.6486% | 1,951 |
| Efficiency ratio | 62.0625% | 5,450 |
| Assets per employee ($millions) | 4.0829% | 3,684 |
| Cash dividends to net income (ytd only)* | 12.2474% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 4,838 |
| Loan loss allowance to noncurrent loans | 75.5140% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.3692% | 3,952 |
| Noncurrent loans to loans | 1.7409% | 3,551 |
| Net loans and leases to total assets | 71.7307% | 1,690 |
| Net loans and leases to deposits | 81.0439% | 2,350 |
| Net loans and leases to core deposits | 85.2253% | 2,725 |
| Total domestic deposits to total assets | 88.5084% | 1,844 |
| Equity capital to assets | 9.3904% | 5,033 |
| Core capital (leverage) ratio | 9.1002% | 4,616 |
| Tier 1 risk-based capital ratio | 11.5363% | 6,142 |
| Total risk-based capital ratio | 12.7748% | 6,134 |
| Memoranda: | ||
| Average total assets | $1,820,657,000 | 367 |
| Average earning assets | $1,686,815,000 | 357 |
| Average equity | $169,854,800 | 417 |
| Average total loans | $1,365,313,600 | 325 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1851% | 2,265 |
| Cost of funding earning assets | 1.2291% | 2,131 |
| Net interest margin | 3.9560% | 3,127 |
| Noninterest income to average assets | 0.7727% | 2,185 |
| Noninterest expense to average assets | 2.7525% | 4,528 |
| Loan and lease loss provision to assets | 0.2814% | 3,274 |
| Net operating income to assets | 0.9068% | 2,716 |
| Return on assets (ROA) | 0.9083% | 2,847 |
| Pretax return on assets | 1.4112% | 1,913 |
| Return on Equity (ROE) | 9.7532% | 2,296 |
| Retained earnings to average equity (ytd only) | 8.1627% | 1,447 |
| Net charge-offs to loans | 0.2641% | 3,791 |
| Credit loss provision to net charge-offs | 140.9496% | 2,255 |
| Earnings coverage of net charge-offs (x) | 8.4648% | 2,174 |
| Efficiency ratio | 61.5397% | 5,483 |
| Assets per employee ($millions) | 3.8397% | 4,214 |
| Cash dividends to net income (ytd only)* | 16.3079% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 5,273 |
| Loan loss allowance to noncurrent loans | 60.7369% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.6545% | 3,601 |
| Noncurrent loans to loans | 2.0502% | 3,302 |
| Net loans and leases to total assets | 74.8562% | 1,174 |
| Net loans and leases to deposits | 85.6062% | 1,735 |
| Net loans and leases to core deposits | 90.0558% | 2,239 |
| Total domestic deposits to total assets | 87.4425% | 2,382 |
| Equity capital to assets | 9.6369% | 4,878 |
| Core capital (leverage) ratio | 9.2126% | 4,608 |
| Tier 1 risk-based capital ratio | 10.9506% | 6,572 |
| Total risk-based capital ratio | 12.0868% | 6,621 |
| Memoranda: | ||
| Average total assets | $1,800,166,250 | 374 |
| Average earning assets | $1,670,011,750 | 362 |
| Average equity | $167,652,750 | 431 |
| Average total loans | $1,360,906,500 | 325 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 2,440 |
| Cost of funding earning assets | 1.2632% | 2,162 |
| Net interest margin | 3.8924% | 3,352 |
| Noninterest income to average assets | 0.7293% | 2,376 |
| Noninterest expense to average assets | 2.7078% | 4,796 |
| Loan and lease loss provision to assets | 0.2674% | 3,260 |
| Net operating income to assets | 0.8796% | 2,736 |
| Return on assets (ROA) | 0.8796% | 2,835 |
| Pretax return on assets | 1.3689% | 1,896 |
| Return on Equity (ROE) | 9.5572% | 2,291 |
| Retained earnings to average equity (ytd only) | 7.1358% | 1,815 |
| Net charge-offs to loans | 0.2352% | 3,712 |
| Credit loss provision to net charge-offs | 150.5646% | 2,029 |
| Earnings coverage of net charge-offs (x) | 9.2127% | 1,951 |
| Efficiency ratio | 61.9059% | 5,597 |
| Assets per employee ($millions) | 3.7672% | 4,279 |
| Cash dividends to net income (ytd only)* | 25.3357% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 5,408 |
| Loan loss allowance to noncurrent loans | 69.1502% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.4611% | 4,029 |
| Noncurrent loans to loans | 1.7814% | 3,778 |
| Net loans and leases to total assets | 75.4798% | 1,158 |
| Net loans and leases to deposits | 85.4090% | 1,876 |
| Net loans and leases to core deposits | 90.5091% | 2,304 |
| Total domestic deposits to total assets | 88.3745% | 1,931 |
| Equity capital to assets | 9.5335% | 4,761 |
| Core capital (leverage) ratio | 9.0324% | 4,666 |
| Tier 1 risk-based capital ratio | 10.7992% | 6,661 |
| Total risk-based capital ratio | 11.9308% | 6,706 |
| Memoranda: | ||
| Average total assets | $1,794,829,000 | 380 |
| Average earning assets | $1,666,846,330 | 372 |
| Average equity | $165,195,670 | 439 |
| Average total loans | $1,355,654,000 | 330 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 2,635 |
| Cost of funding earning assets | 1.3057% | 2,143 |
| Net interest margin | 3.7970% | 3,635 |
| Noninterest income to average assets | 0.7103% | 2,519 |
| Noninterest expense to average assets | 2.7789% | 4,530 |
| Loan and lease loss provision to assets | 0.2670% | 3,004 |
| Net operating income to assets | 0.7283% | 3,390 |
| Return on assets (ROA) | 0.7283% | 3,453 |
| Pretax return on assets | 1.1919% | 2,405 |
| Return on Equity (ROE) | 8.0568% | 2,885 |
| Retained earnings to average equity (ytd only) | 3.1336% | 4,288 |
| Net charge-offs to loans | 0.1574% | 3,539 |
| Credit loss provision to net charge-offs | 225.9887% | 1,348 |
| Earnings coverage of net charge-offs (x) | 12.3465% | 1,503 |
| Efficiency ratio | 65.1386% | 5,178 |
| Assets per employee ($millions) | 3.8157% | 4,268 |
| Cash dividends to net income (ytd only)* | 61.1060% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 5,412 |
| Loan loss allowance to noncurrent loans | 84.7520% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.2047% | 4,541 |
| Noncurrent loans to loans | 1.4716% | 4,260 |
| Net loans and leases to total assets | 73.7677% | 1,384 |
| Net loans and leases to deposits | 83.2127% | 2,152 |
| Net loans and leases to core deposits | 87.1091% | 2,721 |
| Total domestic deposits to total assets | 88.6496% | 1,987 |
| Equity capital to assets | 9.1068% | 5,033 |
| Core capital (leverage) ratio | 8.5978% | 5,267 |
| Tier 1 risk-based capital ratio | 10.6844% | 6,697 |
| Total risk-based capital ratio | 11.8282% | 6,751 |
| Memoranda: | ||
| Average total assets | $1,797,539,000 | 381 |
| Average earning assets | $1,669,939,000 | 371 |
| Average equity | $162,496,500 | 440 |
| Average total loans | $1,349,737,500 | 334 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6016% | 1,882 |
| Cost of funding earning assets | 1.5626% | 2,288 |
| Net interest margin | 4.0390% | 2,845 |
| Noninterest income to average assets | 0.8215% | 2,182 |
| Noninterest expense to average assets | 2.8296% | 4,479 |
| Loan and lease loss provision to assets | 0.3560% | 3,989 |
| Net operating income to assets | 0.8602% | 2,552 |
| Return on assets (ROA) | 0.8604% | 2,695 |
| Pretax return on assets | 1.3604% | 1,771 |
| Return on Equity (ROE) | 9.4607% | 2,128 |
| Retained earnings to average equity (ytd only) | 8.4982% | 840 |
| Net charge-offs to loans | 0.0933% | 5,914 |
| Credit loss provision to net charge-offs | 484.8967% | 470 |
| Earnings coverage of net charge-offs (x) | 23.3776% | 903 |
| Efficiency ratio | 61.8211% | 5,757 |
| Assets per employee ($millions) | 3.9253% | 3,952 |
| Cash dividends to net income (ytd only)* | 10.1736% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 5,607 |
| Loan loss allowance to noncurrent loans | 91.1773% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.1257% | 4,760 |
| Noncurrent loans to loans | 1.2936% | 4,552 |
| Net loans and leases to total assets | 74.5848% | 1,557 |
| Net loans and leases to deposits | 84.3636% | 2,397 |
| Net loans and leases to core deposits | 88.2247% | 3,021 |
| Total domestic deposits to total assets | 88.4087% | 2,010 |
| Equity capital to assets | 8.9733% | 5,183 |
| Core capital (leverage) ratio | 8.6245% | 5,154 |
| Tier 1 risk-based capital ratio | 10.4356% | 6,737 |
| Total risk-based capital ratio | 11.5175% | 6,814 |
| Memoranda: | ||
| Average total assets | $1,713,671,400 | 395 |
| Average earning assets | $1,580,131,000 | 387 |
| Average equity | $155,845,000 | 438 |
| Average total loans | $1,348,119,600 | 347 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6822% | 1,768 |
| Cost of funding earning assets | 1.6010% | 2,382 |
| Net interest margin | 4.0812% | 2,699 |
| Noninterest income to average assets | 0.8040% | 2,217 |
| Noninterest expense to average assets | 2.7764% | 4,579 |
| Loan and lease loss provision to assets | 0.3626% | 3,719 |
| Net operating income to assets | 0.9040% | 2,591 |
| Return on assets (ROA) | 0.9042% | 2,736 |
| Pretax return on assets | 1.4197% | 1,827 |
| Return on Equity (ROE) | 9.9072% | 2,156 |
| Retained earnings to average equity (ytd only) | 8.6118% | 1,196 |
| Net charge-offs to loans | 0.0995% | 5,533 |
| Credit loss provision to net charge-offs | 458.1673% | 655 |
| Earnings coverage of net charge-offs (x) | 22.5190% | 1,091 |
| Efficiency ratio | 60.4779% | 5,877 |
| Assets per employee ($millions) | 3.8383% | 4,168 |
| Cash dividends to net income (ytd only)* | 13.0753% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 5,973 |
| Loan loss allowance to noncurrent loans | 79.9881% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1752% | 4,776 |
| Noncurrent loans to loans | 1.3641% | 4,583 |
| Net loans and leases to total assets | 76.1148% | 1,390 |
| Net loans and leases to deposits | 86.6135% | 2,217 |
| Net loans and leases to core deposits | 91.5905% | 2,860 |
| Total domestic deposits to total assets | 87.8786% | 2,030 |
| Equity capital to assets | 9.1113% | 5,429 |
| Core capital (leverage) ratio | 8.8266% | 4,962 |
| Tier 1 risk-based capital ratio | 10.2443% | 6,934 |
| Total risk-based capital ratio | 11.2468% | 7,058 |
| Memoranda: | ||
| Average total assets | $1,691,666,500 | 399 |
| Average earning assets | $1,556,196,000 | 395 |
| Average equity | $154,388,250 | 439 |
| Average total loans | $1,345,193,000 | 347 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6983% | 1,772 |
| Cost of funding earning assets | 1.6187% | 2,553 |
| Net interest margin | 4.0795% | 2,657 |
| Noninterest income to average assets | 0.7575% | 2,339 |
| Noninterest expense to average assets | 2.8420% | 4,304 |
| Loan and lease loss provision to assets | 0.3716% | 3,480 |
| Net operating income to assets | 0.8287% | 2,831 |
| Return on assets (ROA) | 0.8290% | 2,984 |
| Pretax return on assets | 1.2956% | 2,099 |
| Return on Equity (ROE) | 9.0781% | 2,430 |
| Retained earnings to average equity (ytd only) | 7.1089% | 1,788 |
| Net charge-offs to loans | 0.1008% | 5,138 |
| Credit loss provision to net charge-offs | 458.5799% | 798 |
| Earnings coverage of net charge-offs (x) | 20.5666% | 1,209 |
| Efficiency ratio | 62.5924% | 5,595 |
| Assets per employee ($millions) | 3.6596% | 4,569 |
| Cash dividends to net income (ytd only)* | 21.6920% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 6,416 |
| Loan loss allowance to noncurrent loans | 71.3440% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 4,549 |
| Noncurrent loans to loans | 1.3976% | 4,607 |
| Net loans and leases to total assets | 79.9928% | 804 |
| Net loans and leases to deposits | 91.4780% | 1,619 |
| Net loans and leases to core deposits | 97.2833% | 2,301 |
| Total domestic deposits to total assets | 87.4449% | 2,293 |
| Equity capital to assets | 9.2082% | 5,135 |
| Core capital (leverage) ratio | 8.7607% | 4,986 |
| Tier 1 risk-based capital ratio | 9.9439% | 7,055 |
| Total risk-based capital ratio | 10.8684% | 7,220 |
| Memoranda: | ||
| Average total assets | $1,668,303,000 | 407 |
| Average earning assets | $1,534,045,000 | 402 |
| Average equity | $152,344,670 | 446 |
| Average total loans | $1,341,674,000 | 349 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6812% | 1,845 |
| Cost of funding earning assets | 1.6323% | 2,758 |
| Net interest margin | 4.0488% | 2,651 |
| Noninterest income to average assets | 0.7418% | 2,352 |
| Noninterest expense to average assets | 2.8947% | 4,082 |
| Loan and lease loss provision to assets | 0.2897% | 3,704 |
| Net operating income to assets | 0.8260% | 2,856 |
| Return on assets (ROA) | 0.8260% | 2,948 |
| Pretax return on assets | 1.2750% | 2,122 |
| Return on Equity (ROE) | 9.0846% | 2,466 |
| Retained earnings to average equity (ytd only) | 5.1024% | 3,104 |
| Net charge-offs to loans | 0.0126% | 5,406 |
| Credit loss provision to net charge-offs | 2,857.1429% | 176 |
| Earnings coverage of net charge-offs (x) | 154.3333% | 214 |
| Efficiency ratio | 64.4636% | 5,399 |
| Assets per employee ($millions) | 3.5804% | 4,866 |
| Cash dividends to net income (ytd only)* | 43.8340% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 6,726 |
| Loan loss allowance to noncurrent loans | 105.3013% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 5,362 |
| Noncurrent loans to loans | 0.8875% | 5,546 |
| Net loans and leases to total assets | 78.8370% | 997 |
| Net loans and leases to deposits | 89.2362% | 2,025 |
| Net loans and leases to core deposits | 94.3986% | 2,786 |
| Total domestic deposits to total assets | 88.3464% | 1,884 |
| Equity capital to assets | 9.1164% | 5,110 |
| Core capital (leverage) ratio | 8.7161% | 4,996 |
| Tier 1 risk-based capital ratio | 9.9683% | 7,056 |
| Total risk-based capital ratio | 10.8300% | 7,253 |
| Memoranda: | ||
| Average total assets | $1,657,079,000 | 421 |
| Average earning assets | $1,521,519,000 | 417 |
| Average equity | $150,673,000 | 454 |
| Average total loans | $1,329,461,000 | 366 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8987% | 2,242 |
| Cost of funding earning assets | 1.9714% | 3,098 |
| Net interest margin | 3.9273% | 3,169 |
| Noninterest income to average assets | 0.8195% | 2,307 |
| Noninterest expense to average assets | 2.9829% | 4,221 |
| Loan and lease loss provision to assets | 0.4587% | 4,075 |
| Net operating income to assets | 0.6535% | 3,125 |
| Return on assets (ROA) | 0.6535% | 3,177 |
| Pretax return on assets | 0.9923% | 2,615 |
| Return on Equity (ROE) | 7.1878% | 2,717 |
| Retained earnings to average equity (ytd only) | 4.9225% | 1,860 |
| Net charge-offs to loans | 0.6760% | 3,159 |
| Credit loss provision to net charge-offs | 84.1924% | 6,183 |
| Earnings coverage of net charge-offs (x) | 2.6632% | 3,782 |
| Efficiency ratio | 66.8074% | 5,223 |
| Assets per employee ($millions) | 3.6167% | 4,745 |
| Cash dividends to net income (ytd only)* | 31.5156% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 7,021 |
| Loan loss allowance to noncurrent loans | 80.9792% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 5,128 |
| Noncurrent loans to loans | 1.0343% | 5,249 |
| Net loans and leases to total assets | 80.2036% | 958 |
| Net loans and leases to deposits | 91.3517% | 1,993 |
| Net loans and leases to core deposits | 109.7420% | 2,920 |
| Total domestic deposits to total assets | 87.7964% | 2,075 |
| Equity capital to assets | 9.0689% | 5,033 |
| Core capital (leverage) ratio | 8.6732% | 4,971 |
| Tier 1 risk-based capital ratio | 9.7402% | 7,069 |
| Total risk-based capital ratio | 10.5140% | 7,347 |
| Memoranda: | ||
| Average total assets | $1,602,349,800 | 428 |
| Average earning assets | $1,474,669,200 | 422 |
| Average equity | $145,677,200 | 464 |
| Average total loans | $1,291,404,200 | 380 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8851% | 2,513 |
| Cost of funding earning assets | 2.0346% | 3,189 |
| Net interest margin | 3.8505% | 3,429 |
| Noninterest income to average assets | 0.8390% | 2,248 |
| Noninterest expense to average assets | 2.9733% | 4,153 |
| Loan and lease loss provision to assets | 0.3564% | 4,188 |
| Net operating income to assets | 0.6858% | 3,256 |
| Return on assets (ROA) | 0.6858% | 3,312 |
| Pretax return on assets | 1.0597% | 2,707 |
| Return on Equity (ROE) | 7.5385% | 2,849 |
| Retained earnings to average equity (ytd only) | 4.4962% | 2,759 |
| Net charge-offs to loans | 0.3701% | 3,805 |
| Credit loss provision to net charge-offs | 119.6172% | 4,246 |
| Earnings coverage of net charge-offs (x) | 4.7523% | 3,023 |
| Efficiency ratio | 67.2615% | 5,125 |
| Assets per employee ($millions) | 3.4876% | 4,962 |
| Cash dividends to net income (ytd only)* | 40.3571% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,296 |
| Loan loss allowance to noncurrent loans | 78.4237% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.2966% | 4,491 |
| Noncurrent loans to loans | 1.2743% | 4,811 |
| Net loans and leases to total assets | 81.2604% | 936 |
| Net loans and leases to deposits | 94.7221% | 1,761 |
| Net loans and leases to core deposits | 113.8319% | 2,844 |
| Total domestic deposits to total assets | 85.7882% | 2,812 |
| Equity capital to assets | 9.1529% | 5,252 |
| Core capital (leverage) ratio | 8.7215% | 5,095 |
| Tier 1 risk-based capital ratio | 9.7022% | 7,235 |
| Total risk-based capital ratio | 10.6317% | 7,420 |
| Memoranda: | ||
| Average total assets | $1,589,727,750 | 445 |
| Average earning assets | $1,465,821,000 | 440 |
| Average equity | $144,623,000 | 476 |
| Average total loans | $1,280,047,250 | 400 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8623% | 2,748 |
| Cost of funding earning assets | 2.0865% | 3,334 |
| Net interest margin | 3.7758% | 3,649 |
| Noninterest income to average assets | 0.8034% | 2,395 |
| Noninterest expense to average assets | 2.9472% | 4,304 |
| Loan and lease loss provision to assets | 0.2784% | 4,347 |
| Net operating income to assets | 0.6836% | 3,324 |
| Return on assets (ROA) | 0.6836% | 3,442 |
| Pretax return on assets | 1.0595% | 2,775 |
| Return on Equity (ROE) | 7.5297% | 2,956 |
| Retained earnings to average equity (ytd only) | 2.9291% | 3,699 |
| Net charge-offs to loans | 0.5119% | 2,793 |
| Credit loss provision to net charge-offs | 68.0062% | 5,456 |
| Earnings coverage of net charge-offs (x) | 3.2677% | 3,509 |
| Efficiency ratio | 68.2872% | 5,105 |
| Assets per employee ($millions) | 3.3844% | 5,106 |
| Cash dividends to net income (ytd only)* | 61.0998% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,810 |
| Loan loss allowance to noncurrent loans | 77.8760% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.1793% | 4,581 |
| Noncurrent loans to loans | 1.1458% | 4,923 |
| Net loans and leases to total assets | 80.7669% | 1,177 |
| Net loans and leases to deposits | 92.4878% | 2,378 |
| Net loans and leases to core deposits | 111.4196% | 3,211 |
| Total domestic deposits to total assets | 87.3270% | 2,088 |
| Equity capital to assets | 9.1205% | 5,139 |
| Core capital (leverage) ratio | 8.5823% | 5,292 |
| Tier 1 risk-based capital ratio | 9.7764% | 7,157 |
| Total risk-based capital ratio | 10.6080% | 7,485 |
| Memoranda: | ||
| Average total assets | $1,580,215,330 | 460 |
| Average earning assets | $1,457,112,330 | 455 |
| Average equity | $143,458,000 | 486 |
| Average total loans | $1,263,969,000 | 419 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8612% | 2,982 |
| Cost of funding earning assets | 2.1269% | 3,526 |
| Net interest margin | 3.7343% | 3,741 |
| Noninterest income to average assets | 0.7527% | 2,580 |
| Noninterest expense to average assets | 2.7978% | 4,566 |
| Loan and lease loss provision to assets | 0.2791% | 3,722 |
| Net operating income to assets | 0.7362% | 3,407 |
| Return on assets (ROA) | 0.7362% | 3,594 |
| Pretax return on assets | 1.1173% | 2,923 |
| Return on Equity (ROE) | 8.1287% | 3,082 |
| Retained earnings to average equity (ytd only) | -1.1148% | 5,919 |
| Net charge-offs to loans | 0.5648% | 2,055 |
| Credit loss provision to net charge-offs | 62.3583% | 4,479 |
| Earnings coverage of net charge-offs (x) | 3.1202% | 3,282 |
| Efficiency ratio | 66.2049% | 5,291 |
| Assets per employee ($millions) | 3.3797% | 5,125 |
| Cash dividends to net income (ytd only)* | 113.7147% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,481 |
| Loan loss allowance to noncurrent loans | 50.0189% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 1.5505% | 3,609 |
| Noncurrent loans to loans | 1.9027% | 3,409 |
| Net loans and leases to total assets | 79.0607% | 1,569 |
| Net loans and leases to deposits | 90.6157% | 2,837 |
| Net loans and leases to core deposits | 108.7936% | 3,587 |
| Total domestic deposits to total assets | 87.2484% | 2,093 |
| Equity capital to assets | 9.0860% | 5,244 |
| Core capital (leverage) ratio | 8.4915% | 5,556 |
| Tier 1 risk-based capital ratio | 9.8969% | 7,041 |
| Total risk-based capital ratio | 10.7826% | 7,340 |
| Memoranda: | ||
| Average total assets | $1,576,680,000 | 466 |
| Average earning assets | $1,453,003,000 | 460 |
| Average equity | $142,802,500 | 490 |
| Average total loans | $1,249,182,000 | 427 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6075% | 2,449 |
| Cost of funding earning assets | 2.6068% | 3,656 |
| Net interest margin | 4.0007% | 3,108 |
| Noninterest income to average assets | 0.8044% | 2,493 |
| Noninterest expense to average assets | 2.8522% | 4,595 |
| Loan and lease loss provision to assets | 0.1679% | 5,232 |
| Net operating income to assets | 0.9369% | 2,844 |
| Return on assets (ROA) | 0.9369% | 2,701 |
| Pretax return on assets | 1.4583% | 1,795 |
| Return on Equity (ROE) | 10.1299% | 2,214 |
| Retained earnings to average equity (ytd only) | 7.9296% | 865 |
| Net charge-offs to loans | 0.1349% | 4,874 |
| Credit loss provision to net charge-offs | 157.0431% | 3,314 |
| Earnings coverage of net charge-offs (x) | 15.2113% | 1,947 |
| Efficiency ratio | 63.1581% | 5,746 |
| Assets per employee ($millions) | 3.5148% | 4,619 |
| Cash dividends to net income (ytd only)* | 21.7202% | 4,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 5,953 |
| Loan loss allowance to noncurrent loans | 63.9303% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 3,688 |
| Noncurrent loans to loans | 1.5781% | 3,413 |
| Net loans and leases to total assets | 77.8498% | 2,181 |
| Net loans and leases to deposits | 89.7437% | 3,496 |
| Net loans and leases to core deposits | 108.1866% | 3,947 |
| Total domestic deposits to total assets | 86.7468% | 2,066 |
| Equity capital to assets | 9.0287% | 5,337 |
| Core capital (leverage) ratio | 8.7040% | 5,187 |
| Tier 1 risk-based capital ratio | 9.9058% | 6,840 |
| Total risk-based capital ratio | 10.8396% | 7,112 |
| Memoranda: | ||
| Average total assets | $1,474,214,800 | 474 |
| Average earning assets | $1,353,810,200 | 469 |
| Average equity | $136,349,200 | 519 |
| Average total loans | $1,168,587,000 | 446 |