Home > Emprise Bank > Performance and Condition Ratios
Emprise 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 | 4.9250% | 2,226 |
| Cost of funding earning assets | 1.1767% | 2,863 |
| Net interest margin | 3.7482% | 1,651 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.8600% | 1,371 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.4678% | 1,082 |
| Return on assets (ROA) | 1.4134% | 1,166 |
| Pretax return on assets | 1.4620% | 1,506 |
| Return on Equity (ROE) | 21.2600% | 523 |
| Retained earnings to average equity (ytd only) | 9.4512% | 1,144 |
| Net charge-offs to loans | 0.0432% | 1,463 |
| Credit loss provision to net charge-offs | 16.6205% | 2,324 |
| Earnings coverage of net charge-offs (x) | 51.4155% | 1,273 |
| Efficiency ratio | 65.0935% | 2,464 |
| Assets per employee ($millions) | 5.5644% | 3,190 |
| Cash dividends to net income (ytd only)* | 55.5393% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8520% | 3,847 |
| Loan loss allowance to noncurrent loans | 780.7632% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,029 |
| Noncurrent loans to loans | 0.1091% | 2,987 |
| Net loans and leases to total assets | 70.3600% | 1,768 |
| Net loans and leases to deposits | 83.1643% | 1,844 |
| Net loans and leases to core deposits | 87.3400% | 2,223 |
| Total domestic deposits to total assets | 84.6000% | 2,435 |
| Equity capital to assets | 7.1321% | 3,888 |
| Core capital (leverage) ratio | 7.9314% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5740% | 2,699 |
| Memoranda: | ||
| Average total assets | $2,420,464,200 | 487 |
| Average earning assets | $2,288,030,400 | 466 |
| Average equity | $160,932,200 | 640 |
| Average total loans | $1,671,722,800 | 479 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 2,225 |
| Cost of funding earning assets | 1.0274% | 2,958 |
| Net interest margin | 3.7891% | 1,624 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 2.9021% | 1,225 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4378% | 1,237 |
| Return on assets (ROA) | 1.3704% | 1,364 |
| Pretax return on assets | 1.4326% | 1,709 |
| Return on Equity (ROE) | 21.0000% | 639 |
| Retained earnings to average equity (ytd only) | 9.3340% | 1,597 |
| Net charge-offs to loans | 0.0440% | 1,259 |
| Credit loss provision to net charge-offs | 113.7615% | 1,522 |
| Earnings coverage of net charge-offs (x) | 50.9358% | 1,304 |
| Efficiency ratio | 65.3740% | 2,348 |
| Assets per employee ($millions) | 5.5972% | 3,104 |
| Cash dividends to net income (ytd only)* | 55.5578% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 3,703 |
| Loan loss allowance to noncurrent loans | 3,273.3753% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,635 |
| Noncurrent loans to loans | 0.0277% | 3,570 |
| Net loans and leases to total assets | 69.5600% | 1,881 |
| Net loans and leases to deposits | 81.9284% | 1,905 |
| Net loans and leases to core deposits | 85.1478% | 2,248 |
| Total domestic deposits to total assets | 84.9000% | 2,528 |
| Equity capital to assets | 6.4589% | 3,847 |
| Core capital (leverage) ratio | 7.8137% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4636% | 2,737 |
| Memoranda: | ||
| Average total assets | $2,407,934,750 | 492 |
| Average earning assets | $2,274,395,500 | 470 |
| Average equity | $157,114,250 | 647 |
| Average total loans | $1,651,370,000 | 483 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 2,273 |
| Cost of funding earning assets | 0.8641% | 3,040 |
| Net interest margin | 3.8020% | 1,620 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 2.8982% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4846% | 1,136 |
| Return on assets (ROA) | 1.3833% | 1,352 |
| Pretax return on assets | 1.4472% | 1,707 |
| Return on Equity (ROE) | 21.1300% | 612 |
| Retained earnings to average equity (ytd only) | 3.5787% | 3,322 |
| Net charge-offs to loans | 0.0474% | 1,036 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 48.1347% | 1,305 |
| Efficiency ratio | 65.1158% | 2,359 |
| Assets per employee ($millions) | 5.5918% | 3,065 |
| Cash dividends to net income (ytd only)* | 83.0615% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 3,753 |
| Loan loss allowance to noncurrent loans | 2,720.2873% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,580 |
| Noncurrent loans to loans | 0.0334% | 3,500 |
| Net loans and leases to total assets | 68.3900% | 1,926 |
| Net loans and leases to deposits | 77.9359% | 2,138 |
| Net loans and leases to core deposits | 80.2553% | 2,453 |
| Total domestic deposits to total assets | 87.7600% | 1,691 |
| Equity capital to assets | 6.5244% | 3,988 |
| Core capital (leverage) ratio | 7.6175% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2701% | 2,806 |
| Memoranda: | ||
| Average total assets | $2,393,382,333 | 480 |
| Average earning assets | $2,259,369,667 | 462 |
| Average equity | $156,703,667 | 648 |
| Average total loans | $1,628,186,667 | 471 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 2,310 |
| Cost of funding earning assets | 0.6982% | 3,061 |
| Net interest margin | 3.8039% | 1,679 |
| Noninterest income to average assets | 0.8900% | 706 |
| Noninterest expense to average assets | 2.7995% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6097% | 964 |
| Return on assets (ROA) | 1.5048% | 1,153 |
| Pretax return on assets | 1.5705% | 1,531 |
| Return on Equity (ROE) | 22.9400% | 513 |
| Retained earnings to average equity (ytd only) | 3.7427% | 3,339 |
| Net charge-offs to loans | 0.0587% | 788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 42.3898% | 1,166 |
| Efficiency ratio | 62.4995% | 2,632 |
| Assets per employee ($millions) | 5.4664% | 3,249 |
| Cash dividends to net income (ytd only)* | 83.6867% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 3,734 |
| Loan loss allowance to noncurrent loans | 2,504.4190% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,522 |
| Noncurrent loans to loans | 0.0377% | 3,477 |
| Net loans and leases to total assets | 67.1500% | 1,932 |
| Net loans and leases to deposits | 73.9598% | 2,299 |
| Net loans and leases to core deposits | 75.8940% | 2,538 |
| Total domestic deposits to total assets | 90.7900% | 868 |
| Equity capital to assets | 6.7055% | 3,959 |
| Core capital (leverage) ratio | 7.7051% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4099% | 2,880 |
| Memoranda: | ||
| Average total assets | $2,382,247,000 | 494 |
| Average earning assets | $2,245,689,000 | 474 |
| Average equity | $156,252,000 | 659 |
| Average total loans | $1,608,613,000 | 489 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5672% | 2,891 |
| Cost of funding earning assets | 0.2888% | 2,971 |
| Net interest margin | 3.2785% | 2,626 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 2.6321% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3461% | 1,289 |
| Return on assets (ROA) | 1.3488% | 1,241 |
| Pretax return on assets | 1.4090% | 1,742 |
| Return on Equity (ROE) | 18.7100% | 610 |
| Retained earnings to average equity (ytd only) | 1.0960% | 4,177 |
| Net charge-offs to loans | 0.0207% | 1,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 107.1851% | 944 |
| Efficiency ratio | 65.1795% | 2,341 |
| Assets per employee ($millions) | 5.4865% | 3,231 |
| Cash dividends to net income (ytd only)* | 94.1424% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,252 |
| Loan loss allowance to noncurrent loans | 5,348.8525% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,751 |
| Noncurrent loans to loans | 0.0191% | 3,680 |
| Net loans and leases to total assets | 66.5700% | 1,970 |
| Net loans and leases to deposits | 73.3398% | 2,304 |
| Net loans and leases to core deposits | 75.2602% | 2,481 |
| Total domestic deposits to total assets | 90.7700% | 1,032 |
| Equity capital to assets | 6.4117% | 3,935 |
| Core capital (leverage) ratio | 7.7361% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5264% | 2,859 |
| Memoranda: | ||
| Average total assets | $2,347,795,000 | 480 |
| Average earning assets | $2,219,697,600 | 462 |
| Average equity | $169,247,400 | 613 |
| Average total loans | $1,488,685,800 | 483 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3449% | 3,064 |
| Cost of funding earning assets | 0.2220% | 3,019 |
| Net interest margin | 3.1230% | 2,856 |
| Noninterest income to average assets | 0.9400% | 760 |
| Noninterest expense to average assets | 2.5840% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2573% | 1,501 |
| Return on assets (ROA) | 1.2610% | 1,456 |
| Pretax return on assets | 1.3168% | 1,990 |
| Return on Equity (ROE) | 17.0200% | 785 |
| Retained earnings to average equity (ytd only) | -0.1337% | 4,358 |
| Net charge-offs to loans | 0.0187% | 1,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 112.4390% | 877 |
| Efficiency ratio | 66.3095% | 2,239 |
| Assets per employee ($millions) | 5.5156% | 3,200 |
| Cash dividends to net income (ytd only)* | 100.7859% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,043 |
| Loan loss allowance to noncurrent loans | 2,368.9755% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,601 |
| Noncurrent loans to loans | 0.0462% | 3,551 |
| Net loans and leases to total assets | 64.7900% | 2,005 |
| Net loans and leases to deposits | 69.5297% | 2,406 |
| Net loans and leases to core deposits | 70.5643% | 2,601 |
| Total domestic deposits to total assets | 93.1900% | 526 |
| Equity capital to assets | 6.4415% | 3,770 |
| Core capital (leverage) ratio | 7.6445% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9884% | 2,817 |
| Memoranda: | ||
| Average total assets | $2,340,827,250 | 479 |
| Average earning assets | $2,216,049,750 | 462 |
| Average equity | $173,479,000 | 605 |
| Average total loans | $1,461,387,500 | 486 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1043% | 3,295 |
| Cost of funding earning assets | 0.2040% | 2,862 |
| Net interest margin | 2.9002% | 3,175 |
| Noninterest income to average assets | 0.9116% | 821 |
| Noninterest expense to average assets | 2.4934% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1181% | 1,709 |
| Return on assets (ROA) | 1.1184% | 1,682 |
| Pretax return on assets | 1.1672% | 2,180 |
| Return on Equity (ROE) | 14.4787% | 1,007 |
| Retained earnings to average equity (ytd only) | -2.3342% | 4,407 |
| Net charge-offs to loans | 0.0095% | 1,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 199.3913% | 539 |
| Efficiency ratio | 68.1203% | 2,223 |
| Assets per employee ($millions) | 5.6494% | 3,087 |
| Cash dividends to net income (ytd only)* | 116.1219% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,137 |
| Loan loss allowance to noncurrent loans | 5,975.8123% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 3,654 |
| Noncurrent loans to loans | 0.0185% | 3,827 |
| Net loans and leases to total assets | 63.2034% | 1,993 |
| Net loans and leases to deposits | 68.1229% | 2,383 |
| Net loans and leases to core deposits | 69.1640% | 2,553 |
| Total domestic deposits to total assets | 92.7785% | 568 |
| Equity capital to assets | 6.8832% | 3,829 |
| Core capital (leverage) ratio | 7.6194% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9815% | 2,822 |
| Memoranda: | ||
| Average total assets | $2,358,108,000 | 469 |
| Average earning assets | $2,234,846,000 | 456 |
| Average equity | $182,157,333 | 586 |
| Average total loans | $1,448,671,333 | 484 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9851% | 3,299 |
| Cost of funding earning assets | 0.2048% | 2,730 |
| Net interest margin | 2.7803% | 3,199 |
| Noninterest income to average assets | 0.9023% | 836 |
| Noninterest expense to average assets | 2.4472% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0486% | 1,696 |
| Return on assets (ROA) | 1.0484% | 1,690 |
| Pretax return on assets | 1.0940% | 2,160 |
| Return on Equity (ROE) | 12.8794% | 1,067 |
| Retained earnings to average equity (ytd only) | -4.3727% | 4,395 |
| Net charge-offs to loans | 0.0152% | 1,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 119.9444% | 612 |
| Efficiency ratio | 69.1027% | 2,358 |
| Assets per employee ($millions) | 5.8615% | 2,931 |
| Cash dividends to net income (ytd only)* | 133.9510% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 3,073 |
| Loan loss allowance to noncurrent loans | 6,627.2000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,750 |
| Noncurrent loans to loans | 0.0174% | 3,875 |
| Net loans and leases to total assets | 59.6756% | 2,097 |
| Net loans and leases to deposits | 64.8927% | 2,448 |
| Net loans and leases to core deposits | 65.9883% | 2,625 |
| Total domestic deposits to total assets | 91.9604% | 588 |
| Equity capital to assets | 7.5239% | 3,918 |
| Core capital (leverage) ratio | 7.5545% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7188% | 2,708 |
| Memoranda: | ||
| Average total assets | $2,367,743,500 | 473 |
| Average earning assets | $2,247,545,500 | 462 |
| Average equity | $192,742,500 | 571 |
| Average total loans | $1,425,618,500 | 487 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0874% | 3,709 |
| Cost of funding earning assets | 0.2616% | 2,788 |
| Net interest margin | 2.8258% | 3,610 |
| Noninterest income to average assets | 0.8639% | 1,295 |
| Noninterest expense to average assets | 2.3938% | 2,507 |
| Loan and lease loss provision to assets | -0.0542% | 4,373 |
| Net operating income to assets | 1.1609% | 2,055 |
| Return on assets (ROA) | 1.1618% | 2,114 |
| Pretax return on assets | 1.2022% | 2,657 |
| Return on Equity (ROE) | 13.5794% | 1,287 |
| Retained earnings to average equity (ytd only) | 13.5794% | 345 |
| Net charge-offs to loans | 0.0328% | 1,580 |
| Credit loss provision to net charge-offs | -277.1619% | 3,593 |
| Earnings coverage of net charge-offs (x) | 58.7140% | 1,191 |
| Efficiency ratio | 67.6038% | 2,044 |
| Assets per employee ($millions) | 5.8024% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 3,012 |
| Loan loss allowance to noncurrent loans | 3,083.8590% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 3,426 |
| Noncurrent loans to loans | 0.0380% | 3,806 |
| Net loans and leases to total assets | 59.3417% | 2,224 |
| Net loans and leases to deposits | 65.4557% | 2,558 |
| Net loans and leases to core deposits | 66.5686% | 2,770 |
| Total domestic deposits to total assets | 90.6594% | 637 |
| Equity capital to assets | 8.7600% | 3,838 |
| Core capital (leverage) ratio | 7.5916% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2273% | 2,551 |
| Memoranda: | ||
| Average total assets | $2,308,335,800 | 460 |
| Average earning assets | $2,186,882,200 | 453 |
| Average equity | $197,491,000 | 555 |
| Average total loans | $1,373,717,800 | 500 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0979% | 3,814 |
| Cost of funding earning assets | 0.2786% | 2,816 |
| Net interest margin | 2.8193% | 3,738 |
| Noninterest income to average assets | 0.8508% | 1,379 |
| Noninterest expense to average assets | 2.3922% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0812% | 2,619 |
| Return on assets (ROA) | 1.0822% | 2,678 |
| Pretax return on assets | 1.1292% | 3,137 |
| Return on Equity (ROE) | 12.7273% | 1,789 |
| Retained earnings to average equity (ytd only) | 12.7273% | 679 |
| Net charge-offs to loans | 0.0341% | 1,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 55.6418% | 1,177 |
| Efficiency ratio | 67.9539% | 1,842 |
| Assets per employee ($millions) | 5.9226% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,327 |
| Loan loss allowance to noncurrent loans | 1,024.7434% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 3,274 |
| Noncurrent loans to loans | 0.1299% | 3,457 |
| Net loans and leases to total assets | 56.0826% | 2,721 |
| Net loans and leases to deposits | 61.6867% | 3,071 |
| Net loans and leases to core deposits | 64.2775% | 3,113 |
| Total domestic deposits to total assets | 90.9152% | 397 |
| Equity capital to assets | 8.5131% | 4,206 |
| Core capital (leverage) ratio | 7.4297% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3731% | 2,593 |
| Memoranda: | ||
| Average total assets | $2,295,024,250 | 470 |
| Average earning assets | $2,173,138,500 | 460 |
| Average equity | $195,145,250 | 560 |
| Average total loans | $1,362,640,750 | 511 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1467% | 3,777 |
| Cost of funding earning assets | 0.2878% | 2,895 |
| Net interest margin | 2.8589% | 3,658 |
| Noninterest income to average assets | 0.8417% | 1,419 |
| Noninterest expense to average assets | 2.3556% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1408% | 2,401 |
| Return on assets (ROA) | 1.1416% | 2,457 |
| Pretax return on assets | 1.1913% | 2,935 |
| Return on Equity (ROE) | 13.4316% | 1,587 |
| Retained earnings to average equity (ytd only) | 13.4316% | 649 |
| Net charge-offs to loans | 0.0287% | 1,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 68.8878% | 905 |
| Efficiency ratio | 66.4288% | 2,093 |
| Assets per employee ($millions) | 5.8354% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 2,189 |
| Loan loss allowance to noncurrent loans | 484.0320% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 3,164 |
| Noncurrent loans to loans | 0.2789% | 2,937 |
| Net loans and leases to total assets | 56.4710% | 2,843 |
| Net loans and leases to deposits | 62.0965% | 3,189 |
| Net loans and leases to core deposits | 64.7391% | 3,215 |
| Total domestic deposits to total assets | 90.9406% | 396 |
| Equity capital to assets | 8.4762% | 4,223 |
| Core capital (leverage) ratio | 7.3641% | 4,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4046% | 2,578 |
| Memoranda: | ||
| Average total assets | $2,268,372,667 | 472 |
| Average earning assets | $2,145,784,333 | 461 |
| Average equity | $192,798,667 | 560 |
| Average total loans | $1,366,880,000 | 514 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2155% | 3,657 |
| Cost of funding earning assets | 0.3025% | 2,965 |
| Net interest margin | 2.9130% | 3,483 |
| Noninterest income to average assets | 0.8272% | 1,519 |
| Noninterest expense to average assets | 2.3702% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1566% | 2,310 |
| Return on assets (ROA) | 1.1566% | 2,377 |
| Pretax return on assets | 1.2068% | 2,833 |
| Return on Equity (ROE) | 13.5884% | 1,517 |
| Retained earnings to average equity (ytd only) | 13.5884% | 801 |
| Net charge-offs to loans | 0.0049% | 1,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 395.7059% | 232 |
| Efficiency ratio | 66.2621% | 2,186 |
| Assets per employee ($millions) | 5.9306% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 2,222 |
| Loan loss allowance to noncurrent loans | 326.7762% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 2,934 |
| Noncurrent loans to loans | 0.4118% | 2,625 |
| Net loans and leases to total assets | 57.4349% | 2,864 |
| Net loans and leases to deposits | 62.9408% | 3,227 |
| Net loans and leases to core deposits | 65.6339% | 3,274 |
| Total domestic deposits to total assets | 91.2522% | 312 |
| Equity capital to assets | 8.2257% | 4,341 |
| Core capital (leverage) ratio | 7.4549% | 4,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1703% | 2,600 |
| Memoranda: | ||
| Average total assets | $2,229,648,500 | 475 |
| Average earning assets | $2,104,793,000 | 464 |
| Average equity | $189,780,000 | 562 |
| Average total loans | $1,378,902,500 | 511 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8472% | 3,174 |
| Cost of funding earning assets | 0.4254% | 3,429 |
| Net interest margin | 3.4218% | 2,704 |
| Noninterest income to average assets | 0.8933% | 1,282 |
| Noninterest expense to average assets | 2.6196% | 2,486 |
| Loan and lease loss provision to assets | 0.4073% | 755 |
| Net operating income to assets | 1.0335% | 2,161 |
| Return on assets (ROA) | 1.0342% | 2,307 |
| Pretax return on assets | 1.0765% | 2,787 |
| Return on Equity (ROE) | 11.8644% | 1,358 |
| Retained earnings to average equity (ytd only) | 8.1146% | 1,021 |
| Net charge-offs to loans | 0.4302% | 387 |
| Credit loss provision to net charge-offs | 135.5875% | 2,514 |
| Earnings coverage of net charge-offs (x) | 4.9369% | 2,922 |
| Efficiency ratio | 63.8509% | 2,849 |
| Assets per employee ($millions) | 5.4426% | 2,901 |
| Cash dividends to net income (ytd only)* | 31.6056% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 2,360 |
| Loan loss allowance to noncurrent loans | 263.5644% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 2,675 |
| Noncurrent loans to loans | 0.4975% | 2,482 |
| Net loans and leases to total assets | 64.9720% | 2,232 |
| Net loans and leases to deposits | 71.8799% | 2,696 |
| Net loans and leases to core deposits | 75.4122% | 2,783 |
| Total domestic deposits to total assets | 90.3897% | 418 |
| Equity capital to assets | 8.8264% | 4,198 |
| Core capital (leverage) ratio | 7.4016% | 4,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5364% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,988,604,000 | 479 |
| Average earning assets | $1,865,177,800 | 472 |
| Average equity | $173,341,600 | 585 |
| Average total loans | $1,388,537,200 | 482 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,161 |
| Cost of funding earning assets | 0.4515% | 3,525 |
| Net interest margin | 3.4803% | 2,654 |
| Noninterest income to average assets | 0.8947% | 1,239 |
| Noninterest expense to average assets | 2.6373% | 2,425 |
| Loan and lease loss provision to assets | 0.4501% | 719 |
| Net operating income to assets | 1.0269% | 2,230 |
| Return on assets (ROA) | 1.0276% | 2,361 |
| Pretax return on assets | 1.0722% | 2,848 |
| Return on Equity (ROE) | 11.8289% | 1,425 |
| Retained earnings to average equity (ytd only) | 6.7262% | 1,805 |
| Net charge-offs to loans | 0.0459% | 1,963 |
| Credit loss provision to net charge-offs | 1,383.6478% | 658 |
| Earnings coverage of net charge-offs (x) | 46.7736% | 1,242 |
| Efficiency ratio | 63.4144% | 2,844 |
| Assets per employee ($millions) | 5.2995% | 2,894 |
| Cash dividends to net income (ytd only)* | 43.1378% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 1,250 |
| Loan loss allowance to noncurrent loans | 123.6223% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9331% | 1,223 |
| Noncurrent loans to loans | 1.2503% | 1,207 |
| Net loans and leases to total assets | 68.4390% | 2,179 |
| Net loans and leases to deposits | 75.7595% | 2,775 |
| Net loans and leases to core deposits | 80.0246% | 2,841 |
| Total domestic deposits to total assets | 90.3372% | 321 |
| Equity capital to assets | 8.6986% | 4,334 |
| Core capital (leverage) ratio | 7.3159% | 4,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1392% | 2,886 |
| Memoranda: | ||
| Average total assets | $1,955,098,250 | 479 |
| Average earning assets | $1,833,657,500 | 468 |
| Average equity | $169,839,000 | 587 |
| Average total loans | $1,386,312,500 | 476 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,211 |
| Cost of funding earning assets | 0.4925% | 3,582 |
| Net interest margin | 3.5512% | 2,630 |
| Noninterest income to average assets | 0.9089% | 1,146 |
| Noninterest expense to average assets | 2.6577% | 2,495 |
| Loan and lease loss provision to assets | 0.4545% | 846 |
| Net operating income to assets | 1.0743% | 2,058 |
| Return on assets (ROA) | 1.0743% | 2,186 |
| Pretax return on assets | 1.1211% | 2,649 |
| Return on Equity (ROE) | 12.3729% | 1,243 |
| Retained earnings to average equity (ytd only) | 4.5519% | 2,681 |
| Net charge-offs to loans | 0.0903% | 1,349 |
| Credit loss provision to net charge-offs | 705.0243% | 1,001 |
| Earnings coverage of net charge-offs (x) | 24.4425% | 1,578 |
| Efficiency ratio | 62.7813% | 2,991 |
| Assets per employee ($millions) | 5.5852% | 2,560 |
| Cash dividends to net income (ytd only)* | 63.2111% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 1,665 |
| Loan loss allowance to noncurrent loans | 104.2800% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 1,242 |
| Noncurrent loans to loans | 1.3206% | 1,169 |
| Net loans and leases to total assets | 69.2529% | 2,148 |
| Net loans and leases to deposits | 76.3922% | 2,818 |
| Net loans and leases to core deposits | 79.7753% | 2,968 |
| Total domestic deposits to total assets | 90.6544% | 235 |
| Equity capital to assets | 8.3787% | 4,545 |
| Core capital (leverage) ratio | 7.3246% | 4,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8232% | 3,008 |
| Memoranda: | ||
| Average total assets | $1,914,335,333 | 477 |
| Average earning assets | $1,792,076,333 | 471 |
| Average equity | $166,217,667 | 603 |
| Average total loans | $1,367,062,667 | 472 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 3,121 |
| Cost of funding earning assets | 0.5698% | 3,593 |
| Net interest margin | 3.6598% | 2,476 |
| Noninterest income to average assets | 1.0086% | 842 |
| Noninterest expense to average assets | 2.8377% | 2,316 |
| Loan and lease loss provision to assets | 0.4563% | 655 |
| Net operating income to assets | 1.0813% | 1,901 |
| Return on assets (ROA) | 1.0809% | 2,007 |
| Pretax return on assets | 1.1274% | 2,433 |
| Return on Equity (ROE) | 12.2096% | 1,052 |
| Retained earnings to average equity (ytd only) | -3.7426% | 4,417 |
| Net charge-offs to loans | 0.0437% | 1,595 |
| Credit loss provision to net charge-offs | 1,448.2759% | 456 |
| Earnings coverage of net charge-offs (x) | 50.2828% | 896 |
| Efficiency ratio | 64.1755% | 3,209 |
| Assets per employee ($millions) | 4.6161% | 3,107 |
| Cash dividends to net income (ytd only)* | 130.6533% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 1,890 |
| Loan loss allowance to noncurrent loans | 78.4850% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.2651% | 946 |
| Noncurrent loans to loans | 1.7260% | 874 |
| Net loans and leases to total assets | 70.8805% | 2,106 |
| Net loans and leases to deposits | 78.0596% | 2,881 |
| Net loans and leases to core deposits | 82.3092% | 2,999 |
| Total domestic deposits to total assets | 90.8030% | 134 |
| Equity capital to assets | 8.5446% | 4,809 |
| Core capital (leverage) ratio | 7.6119% | 5,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4432% | 3,238 |
| Memoranda: | ||
| Average total assets | $1,841,039,000 | 478 |
| Average earning assets | $1,717,027,000 | 473 |
| Average equity | $162,986,500 | 610 |
| Average total loans | $1,327,002,500 | 471 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 2,709 |
| Cost of funding earning assets | 0.5394% | 3,925 |
| Net interest margin | 4.0306% | 1,747 |
| Noninterest income to average assets | 1.1268% | 742 |
| Noninterest expense to average assets | 3.0018% | 2,013 |
| Loan and lease loss provision to assets | 0.1458% | 1,469 |
| Net operating income to assets | 1.6492% | 739 |
| Return on assets (ROA) | 1.7622% | 611 |
| Pretax return on assets | 1.8395% | 858 |
| Return on Equity (ROE) | 18.8381% | 280 |
| Retained earnings to average equity (ytd only) | 0.8086% | 4,458 |
| Net charge-offs to loans | 0.0783% | 1,978 |
| Credit loss provision to net charge-offs | 252.9762% | 1,081 |
| Earnings coverage of net charge-offs (x) | 32.4067% | 1,503 |
| Efficiency ratio | 61.4204% | 3,475 |
| Assets per employee ($millions) | 4.4539% | 3,297 |
| Cash dividends to net income (ytd only)* | 95.7078% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,274 |
| Loan loss allowance to noncurrent loans | 136.6605% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 1,951 |
| Noncurrent loans to loans | 0.9020% | 1,703 |
| Net loans and leases to total assets | 71.4188% | 2,185 |
| Net loans and leases to deposits | 79.0747% | 2,899 |
| Net loans and leases to core deposits | 83.2141% | 3,021 |
| Total domestic deposits to total assets | 90.3181% | 235 |
| Equity capital to assets | 9.1694% | 4,594 |
| Core capital (leverage) ratio | 7.8620% | 5,065 |
| Tier 1 risk-based capital ratio | 10.5829% | 4,997 |
| Total risk-based capital ratio | 11.8092% | 4,924 |
| Memoranda: | ||
| Average total assets | $1,749,125,600 | 488 |
| Average earning assets | $1,624,145,000 | 474 |
| Average equity | $163,620,200 | 564 |
| Average total loans | $1,286,553,600 | 470 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 2,730 |
| Cost of funding earning assets | 0.5252% | 4,049 |
| Net interest margin | 4.0729% | 1,694 |
| Noninterest income to average assets | 1.0887% | 773 |
| Noninterest expense to average assets | 3.0151% | 1,934 |
| Loan and lease loss provision to assets | 0.1732% | 1,064 |
| Net operating income to assets | 1.6118% | 906 |
| Return on assets (ROA) | 1.7505% | 713 |
| Pretax return on assets | 1.8268% | 1,016 |
| Return on Equity (ROE) | 18.6165% | 345 |
| Retained earnings to average equity (ytd only) | 0.6066% | 4,644 |
| Net charge-offs to loans | 0.0596% | 1,966 |
| Credit loss provision to net charge-offs | 393.3566% | 770 |
| Earnings coverage of net charge-offs (x) | 42.1415% | 1,324 |
| Efficiency ratio | 61.5994% | 3,389 |
| Assets per employee ($millions) | 4.3706% | 3,381 |
| Cash dividends to net income (ytd only)* | 96.7416% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,264 |
| Loan loss allowance to noncurrent loans | 237.1914% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 2,954 |
| Noncurrent loans to loans | 0.5249% | 2,717 |
| Net loans and leases to total assets | 72.8353% | 2,030 |
| Net loans and leases to deposits | 80.8694% | 2,813 |
| Net loans and leases to core deposits | 85.1042% | 2,978 |
| Total domestic deposits to total assets | 90.0653% | 272 |
| Equity capital to assets | 9.3961% | 4,531 |
| Core capital (leverage) ratio | 8.1391% | 5,079 |
| Tier 1 risk-based capital ratio | 10.6192% | 5,045 |
| Total risk-based capital ratio | 11.8653% | 4,966 |
| Memoranda: | ||
| Average total assets | $1,732,112,250 | 490 |
| Average earning assets | $1,608,381,000 | 479 |
| Average equity | $162,869,250 | 565 |
| Average total loans | $1,279,691,000 | 474 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 2,728 |
| Cost of funding earning assets | 0.5098% | 4,074 |
| Net interest margin | 4.0730% | 1,691 |
| Noninterest income to average assets | 1.0380% | 807 |
| Noninterest expense to average assets | 3.0131% | 1,971 |
| Loan and lease loss provision to assets | 0.1748% | 1,029 |
| Net operating income to assets | 1.5609% | 991 |
| Return on assets (ROA) | 1.6582% | 825 |
| Pretax return on assets | 1.7315% | 1,211 |
| Return on Equity (ROE) | 17.6307% | 400 |
| Retained earnings to average equity (ytd only) | -2.1902% | 4,925 |
| Net charge-offs to loans | 0.0837% | 1,524 |
| Credit loss provision to net charge-offs | 282.4859% | 936 |
| Earnings coverage of net charge-offs (x) | 29.1733% | 1,496 |
| Efficiency ratio | 62.1203% | 3,418 |
| Assets per employee ($millions) | 4.2008% | 3,570 |
| Cash dividends to net income (ytd only)* | 112.4227% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,411 |
| Loan loss allowance to noncurrent loans | 203.3845% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 2,738 |
| Noncurrent loans to loans | 0.6005% | 2,472 |
| Net loans and leases to total assets | 72.8313% | 2,093 |
| Net loans and leases to deposits | 80.8734% | 2,859 |
| Net loans and leases to core deposits | 83.7485% | 3,126 |
| Total domestic deposits to total assets | 90.0559% | 316 |
| Equity capital to assets | 9.4848% | 4,417 |
| Core capital (leverage) ratio | 8.0675% | 5,147 |
| Tier 1 risk-based capital ratio | 10.7550% | 5,013 |
| Total risk-based capital ratio | 11.9846% | 4,939 |
| Memoranda: | ||
| Average total assets | $1,716,543,000 | 492 |
| Average earning assets | $1,593,094,330 | 482 |
| Average equity | $161,445,670 | 569 |
| Average total loans | $1,268,940,670 | 474 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 2,674 |
| Cost of funding earning assets | 0.4840% | 4,134 |
| Net interest margin | 4.0737% | 1,626 |
| Noninterest income to average assets | 1.0041% | 801 |
| Noninterest expense to average assets | 2.9627% | 2,100 |
| Loan and lease loss provision to assets | 0.1757% | 953 |
| Net operating income to assets | 1.5739% | 948 |
| Return on assets (ROA) | 1.5739% | 975 |
| Pretax return on assets | 1.6437% | 1,364 |
| Return on Equity (ROE) | 16.8064% | 494 |
| Retained earnings to average equity (ytd only) | -5.7089% | 4,962 |
| Net charge-offs to loans | 0.0161% | 2,151 |
| Credit loss provision to net charge-offs | 1,470.5882% | 275 |
| Earnings coverage of net charge-offs (x) | 152.2745% | 501 |
| Efficiency ratio | 61.5128% | 3,606 |
| Assets per employee ($millions) | 4.2458% | 3,549 |
| Cash dividends to net income (ytd only)* | 133.9684% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,511 |
| Loan loss allowance to noncurrent loans | 178.2240% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 2,617 |
| Noncurrent loans to loans | 0.6803% | 2,317 |
| Net loans and leases to total assets | 72.3996% | 2,092 |
| Net loans and leases to deposits | 80.2537% | 2,808 |
| Net loans and leases to core deposits | 82.7603% | 3,126 |
| Total domestic deposits to total assets | 90.2134% | 380 |
| Equity capital to assets | 9.3124% | 4,421 |
| Core capital (leverage) ratio | 8.0147% | 5,204 |
| Tier 1 risk-based capital ratio | 10.8690% | 5,036 |
| Total risk-based capital ratio | 12.0955% | 4,947 |
| Memoranda: | ||
| Average total assets | $1,707,353,000 | 496 |
| Average earning assets | $1,583,426,500 | 483 |
| Average equity | $159,891,500 | 570 |
| Average total loans | $1,263,815,500 | 474 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2871% | 3,161 |
| Cost of funding earning assets | 0.3543% | 4,257 |
| Net interest margin | 3.9328% | 2,216 |
| Noninterest income to average assets | 1.0650% | 822 |
| Noninterest expense to average assets | 2.8890% | 2,396 |
| Loan and lease loss provision to assets | 0.0866% | 2,406 |
| Net operating income to assets | 1.6613% | 756 |
| Return on assets (ROA) | 1.7435% | 622 |
| Pretax return on assets | 1.8155% | 881 |
| Return on Equity (ROE) | 19.3321% | 295 |
| Retained earnings to average equity (ytd only) | 5.8830% | 2,246 |
| Net charge-offs to loans | 0.1460% | 1,308 |
| Credit loss provision to net charge-offs | 80.5153% | 2,858 |
| Earnings coverage of net charge-offs (x) | 16.8808% | 2,224 |
| Efficiency ratio | 60.9523% | 3,700 |
| Assets per employee ($millions) | 4.1544% | 3,681 |
| Cash dividends to net income (ytd only)* | 69.5687% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 2,760 |
| Loan loss allowance to noncurrent loans | 305.1218% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 3,445 |
| Noncurrent loans to loans | 0.3808% | 3,165 |
| Net loans and leases to total assets | 73.9048% | 1,952 |
| Net loans and leases to deposits | 82.6348% | 2,661 |
| Net loans and leases to core deposits | 85.2109% | 2,985 |
| Total domestic deposits to total assets | 89.4355% | 683 |
| Equity capital to assets | 9.4186% | 4,197 |
| Core capital (leverage) ratio | 8.2298% | 5,156 |
| Tier 1 risk-based capital ratio | 11.1231% | 4,909 |
| Total risk-based capital ratio | 12.3021% | 4,844 |
| Memoranda: | ||
| Average total assets | $1,731,308,400 | 474 |
| Average earning assets | $1,602,639,600 | 468 |
| Average equity | $156,144,400 | 547 |
| Average total loans | $1,275,890,600 | 455 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 3,287 |
| Cost of funding earning assets | 0.3285% | 4,315 |
| Net interest margin | 3.8821% | 2,372 |
| Noninterest income to average assets | 1.0574% | 850 |
| Noninterest expense to average assets | 2.9058% | 2,286 |
| Loan and lease loss provision to assets | 0.1148% | 1,764 |
| Net operating income to assets | 1.5606% | 1,045 |
| Return on assets (ROA) | 1.6695% | 806 |
| Pretax return on assets | 1.7434% | 1,164 |
| Return on Equity (ROE) | 18.7124% | 365 |
| Retained earnings to average equity (ytd only) | 7.1345% | 2,060 |
| Net charge-offs to loans | 0.0960% | 1,532 |
| Credit loss provision to net charge-offs | 162.8664% | 1,619 |
| Earnings coverage of net charge-offs (x) | 24.7568% | 1,801 |
| Efficiency ratio | 62.0383% | 3,506 |
| Assets per employee ($millions) | 4.1138% | 3,707 |
| Cash dividends to net income (ytd only)* | 61.8727% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,390 |
| Loan loss allowance to noncurrent loans | 580.4615% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 4,105 |
| Noncurrent loans to loans | 0.2142% | 3,941 |
| Net loans and leases to total assets | 73.8168% | 2,016 |
| Net loans and leases to deposits | 81.8614% | 2,836 |
| Net loans and leases to core deposits | 84.2022% | 3,137 |
| Total domestic deposits to total assets | 90.1728% | 452 |
| Equity capital to assets | 9.2261% | 4,348 |
| Core capital (leverage) ratio | 8.1749% | 5,262 |
| Tier 1 risk-based capital ratio | 11.2160% | 4,941 |
| Total risk-based capital ratio | 12.4663% | 4,840 |
| Memoranda: | ||
| Average total assets | $1,742,467,250 | 468 |
| Average earning assets | $1,612,746,750 | 463 |
| Average equity | $155,465,250 | 545 |
| Average total loans | $1,279,566,250 | 448 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 3,381 |
| Cost of funding earning assets | 0.3217% | 4,261 |
| Net interest margin | 3.7985% | 2,569 |
| Noninterest income to average assets | 1.0379% | 897 |
| Noninterest expense to average assets | 2.8776% | 2,416 |
| Loan and lease loss provision to assets | 0.1531% | 1,233 |
| Net operating income to assets | 1.4566% | 1,259 |
| Return on assets (ROA) | 1.6181% | 888 |
| Pretax return on assets | 1.6896% | 1,243 |
| Return on Equity (ROE) | 18.3337% | 386 |
| Retained earnings to average equity (ytd only) | 15.1218% | 193 |
| Net charge-offs to loans | 0.1289% | 1,147 |
| Credit loss provision to net charge-offs | 162.6506% | 1,500 |
| Earnings coverage of net charge-offs (x) | 17.7928% | 1,937 |
| Efficiency ratio | 62.7634% | 3,526 |
| Assets per employee ($millions) | 4.0929% | 3,742 |
| Cash dividends to net income (ytd only)* | 17.5193% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 2,687 |
| Loan loss allowance to noncurrent loans | 431.6111% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 3,908 |
| Noncurrent loans to loans | 0.2789% | 3,704 |
| Net loans and leases to total assets | 74.7103% | 1,832 |
| Net loans and leases to deposits | 82.9122% | 2,667 |
| Net loans and leases to core deposits | 85.2080% | 2,994 |
| Total domestic deposits to total assets | 90.1077% | 534 |
| Equity capital to assets | 9.3874% | 4,199 |
| Core capital (leverage) ratio | 8.3641% | 5,186 |
| Tier 1 risk-based capital ratio | 11.1119% | 4,995 |
| Total risk-based capital ratio | 12.3394% | 4,901 |
| Memoranda: | ||
| Average total assets | $1,763,817,330 | 463 |
| Average earning assets | $1,631,839,000 | 458 |
| Average equity | $155,669,330 | 542 |
| Average total loans | $1,287,905,000 | 447 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 3,500 |
| Cost of funding earning assets | 0.3321% | 4,123 |
| Net interest margin | 3.6992% | 2,802 |
| Noninterest income to average assets | 1.0516% | 828 |
| Noninterest expense to average assets | 2.8084% | 2,660 |
| Loan and lease loss provision to assets | 0.2009% | 834 |
| Net operating income to assets | 1.4057% | 1,325 |
| Return on assets (ROA) | 1.4142% | 1,317 |
| Pretax return on assets | 1.4767% | 1,741 |
| Return on Equity (ROE) | 16.5248% | 552 |
| Retained earnings to average equity (ytd only) | 16.5248% | 220 |
| Net charge-offs to loans | -0.0215% | 4,597 |
| Credit loss provision to net charge-offs | -1,304.3478% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2800% | 3,736 |
| Assets per employee ($millions) | 4.3683% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,608 |
| Loan loss allowance to noncurrent loans | 321.6700% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 3,702 |
| Noncurrent loans to loans | 0.3837% | 3,404 |
| Net loans and leases to total assets | 70.3964% | 2,411 |
| Net loans and leases to deposits | 85.0721% | 2,285 |
| Net loans and leases to core deposits | 86.8550% | 2,727 |
| Total domestic deposits to total assets | 82.7491% | 3,746 |
| Equity capital to assets | 8.5518% | 4,936 |
| Core capital (leverage) ratio | 7.6368% | 5,482 |
| Tier 1 risk-based capital ratio | 10.5967% | 5,323 |
| Total risk-based capital ratio | 11.8469% | 5,221 |
| Memoranda: | ||
| Average total assets | $1,792,346,000 | 457 |
| Average earning assets | $1,659,715,500 | 452 |
| Average equity | $153,393,500 | 551 |
| Average total loans | $1,286,526,000 | 453 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 3,572 |
| Cost of funding earning assets | 0.2541% | 4,528 |
| Net interest margin | 3.6960% | 2,812 |
| Noninterest income to average assets | 1.0545% | 912 |
| Noninterest expense to average assets | 2.9441% | 2,303 |
| Loan and lease loss provision to assets | 0.2296% | 848 |
| Net operating income to assets | 1.2458% | 1,373 |
| Return on assets (ROA) | 1.2673% | 1,330 |
| Pretax return on assets | 1.3281% | 2,258 |
| Return on Equity (ROE) | 14.1998% | 730 |
| Retained earnings to average equity (ytd only) | 0.0152% | 5,004 |
| Net charge-offs to loans | 0.2034% | 1,270 |
| Credit loss provision to net charge-offs | 157.3850% | 1,699 |
| Earnings coverage of net charge-offs (x) | 10.5210% | 2,665 |
| Efficiency ratio | 65.2522% | 3,393 |
| Assets per employee ($millions) | 4.3005% | 3,482 |
| Cash dividends to net income (ytd only)* | 99.8931% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,921 |
| Loan loss allowance to noncurrent loans | 254.2838% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 3,467 |
| Noncurrent loans to loans | 0.4622% | 3,125 |
| Net loans and leases to total assets | 71.4461% | 2,306 |
| Net loans and leases to deposits | 86.6522% | 2,179 |
| Net loans and leases to core deposits | 87.8150% | 2,741 |
| Total domestic deposits to total assets | 82.4515% | 3,745 |
| Equity capital to assets | 8.5648% | 5,072 |
| Core capital (leverage) ratio | 7.2669% | 5,582 |
| Tier 1 risk-based capital ratio | 10.1968% | 5,483 |
| Total risk-based capital ratio | 11.3857% | 5,431 |
| Memoranda: | ||
| Average total assets | $1,698,303,000 | 467 |
| Average earning assets | $1,573,684,600 | 459 |
| Average equity | $151,572,400 | 542 |
| Average total loans | $1,218,217,400 | 452 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9150% | 3,637 |
| Cost of funding earning assets | 0.2343% | 4,712 |
| Net interest margin | 3.6808% | 2,819 |
| Noninterest income to average assets | 1.0620% | 908 |
| Noninterest expense to average assets | 2.9815% | 2,159 |
| Loan and lease loss provision to assets | 0.1428% | 1,477 |
| Net operating income to assets | 1.2929% | 1,362 |
| Return on assets (ROA) | 1.3221% | 1,296 |
| Pretax return on assets | 1.3829% | 2,164 |
| Return on Equity (ROE) | 14.6582% | 710 |
| Retained earnings to average equity (ytd only) | 0.1486% | 5,179 |
| Net charge-offs to loans | 0.0257% | 2,927 |
| Credit loss provision to net charge-offs | 775.8621% | 442 |
| Earnings coverage of net charge-offs (x) | 81.2532% | 802 |
| Efficiency ratio | 66.1204% | 3,189 |
| Assets per employee ($millions) | 4.2801% | 3,504 |
| Cash dividends to net income (ytd only)* | 98.9861% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 2,784 |
| Loan loss allowance to noncurrent loans | 288.4535% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 3,850 |
| Noncurrent loans to loans | 0.4241% | 3,426 |
| Net loans and leases to total assets | 68.9364% | 2,705 |
| Net loans and leases to deposits | 83.7046% | 2,593 |
| Net loans and leases to core deposits | 84.8136% | 3,062 |
| Total domestic deposits to total assets | 82.3567% | 3,670 |
| Equity capital to assets | 8.6156% | 5,215 |
| Core capital (leverage) ratio | 7.3633% | 5,632 |
| Tier 1 risk-based capital ratio | 10.4326% | 5,475 |
| Total risk-based capital ratio | 11.6601% | 5,419 |
| Memoranda: | ||
| Average total assets | $1,681,005,750 | 472 |
| Average earning assets | $1,559,486,000 | 466 |
| Average equity | $151,619,750 | 546 |
| Average total loans | $1,203,316,250 | 459 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 3,588 |
| Cost of funding earning assets | 0.1997% | 4,988 |
| Net interest margin | 3.6894% | 2,689 |
| Noninterest income to average assets | 1.0932% | 838 |
| Noninterest expense to average assets | 3.0501% | 1,977 |
| Loan and lease loss provision to assets | 0.1455% | 1,400 |
| Net operating income to assets | 1.2625% | 1,398 |
| Return on assets (ROA) | 1.2385% | 1,510 |
| Pretax return on assets | 1.2933% | 2,410 |
| Return on Equity (ROE) | 13.5139% | 921 |
| Retained earnings to average equity (ytd only) | -1.7030% | 5,321 |
| Net charge-offs to loans | 0.0364% | 2,467 |
| Credit loss provision to net charge-offs | 552.9954% | 609 |
| Earnings coverage of net charge-offs (x) | 55.6267% | 995 |
| Efficiency ratio | 67.0849% | 3,168 |
| Assets per employee ($millions) | 4.1231% | 3,743 |
| Cash dividends to net income (ytd only)* | 112.6016% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 3,006 |
| Loan loss allowance to noncurrent loans | 185.9566% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 3,310 |
| Noncurrent loans to loans | 0.6463% | 2,797 |
| Net loans and leases to total assets | 67.7569% | 2,847 |
| Net loans and leases to deposits | 82.2291% | 2,678 |
| Net loans and leases to core deposits | 83.4423% | 3,127 |
| Total domestic deposits to total assets | 82.4002% | 3,771 |
| Equity capital to assets | 8.6187% | 5,208 |
| Core capital (leverage) ratio | 7.4807% | 5,660 |
| Tier 1 risk-based capital ratio | 10.4365% | 5,487 |
| Total risk-based capital ratio | 11.6313% | 5,440 |
| Memoranda: | ||
| Average total assets | $1,649,258,330 | 481 |
| Average earning assets | $1,529,148,000 | 476 |
| Average equity | $151,148,000 | 544 |
| Average total loans | $1,191,206,670 | 464 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 3,224 |
| Cost of funding earning assets | 0.1515% | 5,362 |
| Net interest margin | 3.7934% | 2,139 |
| Noninterest income to average assets | 1.1118% | 806 |
| Noninterest expense to average assets | 3.1021% | 1,857 |
| Loan and lease loss provision to assets | 0.1510% | 1,224 |
| Net operating income to assets | 1.3043% | 1,228 |
| Return on assets (ROA) | 1.3036% | 1,263 |
| Pretax return on assets | 1.3612% | 2,026 |
| Return on Equity (ROE) | 13.7676% | 846 |
| Retained earnings to average equity (ytd only) | -3.5084% | 5,296 |
| Net charge-offs to loans | 0.0214% | 2,350 |
| Credit loss provision to net charge-offs | 952.3810% | 340 |
| Earnings coverage of net charge-offs (x) | 95.4286% | 561 |
| Efficiency ratio | 66.7266% | 3,376 |
| Assets per employee ($millions) | 3.7767% | 4,376 |
| Cash dividends to net income (ytd only)* | 125.4826% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 3,216 |
| Loan loss allowance to noncurrent loans | 230.7052% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 3,640 |
| Noncurrent loans to loans | 0.5145% | 3,274 |
| Net loans and leases to total assets | 73.3022% | 1,854 |
| Net loans and leases to deposits | 81.3873% | 2,582 |
| Net loans and leases to core deposits | 82.6015% | 3,028 |
| Total domestic deposits to total assets | 90.0659% | 629 |
| Equity capital to assets | 9.3741% | 4,420 |
| Core capital (leverage) ratio | 8.1455% | 5,479 |
| Tier 1 risk-based capital ratio | 10.4563% | 5,558 |
| Total risk-based capital ratio | 11.6177% | 5,528 |
| Memoranda: | ||
| Average total assets | $1,589,484,500 | 499 |
| Average earning assets | $1,467,933,500 | 493 |
| Average equity | $150,498,000 | 543 |
| Average total loans | $1,180,276,500 | 469 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 3,505 |
| Cost of funding earning assets | 0.1684% | 5,295 |
| Net interest margin | 3.7492% | 2,509 |
| Noninterest income to average assets | 1.1403% | 877 |
| Noninterest expense to average assets | 3.1334% | 1,941 |
| Loan and lease loss provision to assets | 0.1342% | 1,861 |
| Net operating income to assets | 1.2749% | 1,285 |
| Return on assets (ROA) | 1.4630% | 920 |
| Pretax return on assets | 1.5231% | 1,514 |
| Return on Equity (ROE) | 15.5512% | 554 |
| Retained earnings to average equity (ytd only) | 10.2885% | 374 |
| Net charge-offs to loans | 0.1039% | 2,234 |
| Credit loss provision to net charge-offs | 182.7676% | 1,537 |
| Earnings coverage of net charge-offs (x) | 19.9069% | 1,887 |
| Efficiency ratio | 67.6937% | 3,302 |
| Assets per employee ($millions) | 3.8201% | 4,268 |
| Cash dividends to net income (ytd only)* | 33.8413% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 3,355 |
| Loan loss allowance to noncurrent loans | 224.3194% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 3,659 |
| Noncurrent loans to loans | 0.5181% | 3,295 |
| Net loans and leases to total assets | 73.4655% | 1,936 |
| Net loans and leases to deposits | 82.4662% | 2,610 |
| Net loans and leases to core deposits | 83.7765% | 3,048 |
| Total domestic deposits to total assets | 89.0855% | 1,075 |
| Equity capital to assets | 9.5645% | 4,203 |
| Core capital (leverage) ratio | 8.2880% | 5,446 |
| Tier 1 risk-based capital ratio | 10.5773% | 5,538 |
| Total risk-based capital ratio | 11.6949% | 5,541 |
| Memoranda: | ||
| Average total assets | $1,565,335,000 | 489 |
| Average earning assets | $1,442,212,600 | 481 |
| Average equity | $147,261,600 | 538 |
| Average total loans | $1,105,726,000 | 466 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,533 |
| Cost of funding earning assets | 0.1720% | 5,331 |
| Net interest margin | 3.7423% | 2,546 |
| Noninterest income to average assets | 1.1267% | 904 |
| Noninterest expense to average assets | 3.1642% | 1,864 |
| Loan and lease loss provision to assets | 0.0768% | 2,692 |
| Net operating income to assets | 1.2758% | 1,362 |
| Return on assets (ROA) | 1.5270% | 878 |
| Pretax return on assets | 1.5949% | 1,391 |
| Return on Equity (ROE) | 16.2998% | 511 |
| Retained earnings to average equity (ytd only) | 9.2438% | 747 |
| Net charge-offs to loans | 0.0954% | 1,996 |
| Credit loss provision to net charge-offs | 115.3846% | 2,152 |
| Earnings coverage of net charge-offs (x) | 21.1937% | 1,829 |
| Efficiency ratio | 68.6699% | 3,102 |
| Assets per employee ($millions) | 3.8523% | 4,210 |
| Cash dividends to net income (ytd only)* | 43.2889% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,767 |
| Loan loss allowance to noncurrent loans | 349.1521% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 4,489 |
| Noncurrent loans to loans | 0.3187% | 4,110 |
| Net loans and leases to total assets | 72.1848% | 2,156 |
| Net loans and leases to deposits | 80.5468% | 2,904 |
| Net loans and leases to core deposits | 82.1449% | 3,269 |
| Total domestic deposits to total assets | 89.6185% | 616 |
| Equity capital to assets | 9.6346% | 4,528 |
| Core capital (leverage) ratio | 8.0347% | 5,669 |
| Tier 1 risk-based capital ratio | 10.3438% | 5,681 |
| Total risk-based capital ratio | 11.4120% | 5,689 |
| Memoranda: | ||
| Average total assets | $1,563,196,500 | 488 |
| Average earning assets | $1,440,030,250 | 481 |
| Average equity | $146,443,500 | 543 |
| Average total loans | $1,089,692,250 | 471 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 3,584 |
| Cost of funding earning assets | 0.1731% | 5,383 |
| Net interest margin | 3.7340% | 2,571 |
| Noninterest income to average assets | 1.1383% | 860 |
| Noninterest expense to average assets | 3.0811% | 2,111 |
| Loan and lease loss provision to assets | 0.0769% | 2,600 |
| Net operating income to assets | 1.3526% | 1,160 |
| Return on assets (ROA) | 1.3398% | 1,260 |
| Pretax return on assets | 1.4013% | 2,020 |
| Return on Equity (ROE) | 14.4397% | 758 |
| Retained earnings to average equity (ytd only) | 3.7339% | 3,522 |
| Net charge-offs to loans | 0.0179% | 3,145 |
| Credit loss provision to net charge-offs | 625.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 121.2188% | 484 |
| Efficiency ratio | 66.8732% | 3,556 |
| Assets per employee ($millions) | 3.7302% | 4,393 |
| Cash dividends to net income (ytd only)* | 74.1414% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 3,401 |
| Loan loss allowance to noncurrent loans | 326.4399% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 4,415 |
| Noncurrent loans to loans | 0.3656% | 4,052 |
| Net loans and leases to total assets | 69.3216% | 2,579 |
| Net loans and leases to deposits | 79.4413% | 3,006 |
| Net loans and leases to core deposits | 80.8266% | 3,384 |
| Total domestic deposits to total assets | 87.2614% | 1,773 |
| Equity capital to assets | 9.4905% | 4,775 |
| Core capital (leverage) ratio | 7.6157% | 5,854 |
| Tier 1 risk-based capital ratio | 10.1133% | 5,814 |
| Total risk-based capital ratio | 11.2587% | 5,798 |
| Memoranda: | ||
| Average total assets | $1,560,353,330 | 486 |
| Average earning assets | $1,435,132,000 | 482 |
| Average equity | $144,781,330 | 549 |
| Average total loans | $1,070,485,330 | 476 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 3,599 |
| Cost of funding earning assets | 0.1741% | 5,429 |
| Net interest margin | 3.7229% | 2,582 |
| Noninterest income to average assets | 1.0876% | 914 |
| Noninterest expense to average assets | 3.0888% | 2,127 |
| Loan and lease loss provision to assets | 0.0772% | 2,417 |
| Net operating income to assets | 1.2785% | 1,312 |
| Return on assets (ROA) | 1.2664% | 1,444 |
| Pretax return on assets | 1.3247% | 2,202 |
| Return on Equity (ROE) | 13.8071% | 874 |
| Retained earnings to average equity (ytd only) | 6.7970% | 1,977 |
| Net charge-offs to loans | 0.0129% | 2,692 |
| Credit loss provision to net charge-offs | 882.3529% | 409 |
| Earnings coverage of net charge-offs (x) | 161.7647% | 372 |
| Efficiency ratio | 68.0754% | 3,459 |
| Assets per employee ($millions) | 3.6354% | 4,579 |
| Cash dividends to net income (ytd only)* | 50.7717% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 3,412 |
| Loan loss allowance to noncurrent loans | 366.1656% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 4,599 |
| Noncurrent loans to loans | 0.3308% | 4,254 |
| Net loans and leases to total assets | 67.9945% | 2,650 |
| Net loans and leases to deposits | 75.5279% | 3,273 |
| Net loans and leases to core deposits | 76.9252% | 3,592 |
| Total domestic deposits to total assets | 90.0256% | 587 |
| Equity capital to assets | 9.3691% | 4,816 |
| Core capital (leverage) ratio | 7.6533% | 5,888 |
| Tier 1 risk-based capital ratio | 10.3559% | 5,805 |
| Total risk-based capital ratio | 11.5107% | 5,770 |
| Memoranda: | ||
| Average total assets | $1,555,319,000 | 491 |
| Average earning assets | $1,426,941,000 | 484 |
| Average equity | $142,651,500 | 554 |
| Average total loans | $1,054,832,500 | 481 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 3,682 |
| Cost of funding earning assets | 0.1899% | 5,367 |
| Net interest margin | 3.7174% | 2,686 |
| Noninterest income to average assets | 1.1830% | 855 |
| Noninterest expense to average assets | 3.1890% | 1,992 |
| Loan and lease loss provision to assets | 0.0983% | 2,349 |
| Net operating income to assets | 1.2651% | 1,354 |
| Return on assets (ROA) | 1.2816% | 1,355 |
| Pretax return on assets | 1.3405% | 2,130 |
| Return on Equity (ROE) | 13.6943% | 910 |
| Retained earnings to average equity (ytd only) | -0.3052% | 5,554 |
| Net charge-offs to loans | 0.2428% | 1,236 |
| Credit loss provision to net charge-offs | 60.7533% | 3,262 |
| Earnings coverage of net charge-offs (x) | 8.7890% | 2,899 |
| Efficiency ratio | 68.6526% | 3,456 |
| Assets per employee ($millions) | 3.8003% | 4,294 |
| Cash dividends to net income (ytd only)* | 102.2286% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 3,408 |
| Loan loss allowance to noncurrent loans | 231.9332% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 4,108 |
| Noncurrent loans to loans | 0.5224% | 3,603 |
| Net loans and leases to total assets | 66.0128% | 2,974 |
| Net loans and leases to deposits | 75.4661% | 3,322 |
| Net loans and leases to core deposits | 76.9561% | 3,670 |
| Total domestic deposits to total assets | 87.4734% | 1,894 |
| Equity capital to assets | 8.9763% | 5,149 |
| Core capital (leverage) ratio | 7.5382% | 5,969 |
| Tier 1 risk-based capital ratio | 10.1699% | 5,907 |
| Total risk-based capital ratio | 11.3025% | 5,877 |
| Memoranda: | ||
| Average total assets | $1,526,479,200 | 465 |
| Average earning assets | $1,407,445,400 | 462 |
| Average equity | $142,862,200 | 531 |
| Average total loans | $1,017,082,800 | 475 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 3,748 |
| Cost of funding earning assets | 0.1921% | 5,447 |
| Net interest margin | 3.7064% | 2,740 |
| Noninterest income to average assets | 1.1554% | 896 |
| Noninterest expense to average assets | 3.1720% | 2,042 |
| Loan and lease loss provision to assets | 0.1054% | 2,104 |
| Net operating income to assets | 1.2522% | 1,477 |
| Return on assets (ROA) | 1.2813% | 1,444 |
| Pretax return on assets | 1.3386% | 2,250 |
| Return on Equity (ROE) | 13.5479% | 993 |
| Retained earnings to average equity (ytd only) | -1.3154% | 5,792 |
| Net charge-offs to loans | 0.3131% | 850 |
| Credit loss provision to net charge-offs | 50.5689% | 3,026 |
| Earnings coverage of net charge-offs (x) | 6.7813% | 3,002 |
| Efficiency ratio | 68.6515% | 3,427 |
| Assets per employee ($millions) | 3.7007% | 4,445 |
| Cash dividends to net income (ytd only)* | 109.7093% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 3,550 |
| Loan loss allowance to noncurrent loans | 199.1516% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 4,093 |
| Noncurrent loans to loans | 0.6119% | 3,481 |
| Net loans and leases to total assets | 66.1439% | 2,981 |
| Net loans and leases to deposits | 74.1589% | 3,533 |
| Net loans and leases to core deposits | 75.7181% | 3,826 |
| Total domestic deposits to total assets | 89.1921% | 921 |
| Equity capital to assets | 9.3863% | 4,899 |
| Core capital (leverage) ratio | 7.4665% | 6,064 |
| Tier 1 risk-based capital ratio | 10.5842% | 5,844 |
| Total risk-based capital ratio | 11.7557% | 5,810 |
| Memoranda: | ||
| Average total assets | $1,517,614,750 | 473 |
| Average earning assets | $1,404,593,000 | 466 |
| Average equity | $143,526,750 | 529 |
| Average total loans | $1,010,422,750 | 478 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 3,620 |
| Cost of funding earning assets | 0.1946% | 5,489 |
| Net interest margin | 3.7241% | 2,605 |
| Noninterest income to average assets | 1.1281% | 949 |
| Noninterest expense to average assets | 3.0454% | 2,409 |
| Loan and lease loss provision to assets | 0.1188% | 1,863 |
| Net operating income to assets | 1.3493% | 1,192 |
| Return on assets (ROA) | 1.3901% | 1,147 |
| Pretax return on assets | 1.4514% | 1,799 |
| Return on Equity (ROE) | 14.6619% | 794 |
| Retained earnings to average equity (ytd only) | -0.3035% | 5,569 |
| Net charge-offs to loans | 0.4078% | 636 |
| Credit loss provision to net charge-offs | 43.8383% | 2,770 |
| Earnings coverage of net charge-offs (x) | 5.6376% | 2,902 |
| Efficiency ratio | 66.0721% | 3,995 |
| Assets per employee ($millions) | 3.7268% | 4,370 |
| Cash dividends to net income (ytd only)* | 102.0699% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 3,726 |
| Loan loss allowance to noncurrent loans | 167.8249% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 3,950 |
| Noncurrent loans to loans | 0.7216% | 3,320 |
| Net loans and leases to total assets | 66.6851% | 2,837 |
| Net loans and leases to deposits | 74.2675% | 3,460 |
| Net loans and leases to core deposits | 75.7469% | 3,796 |
| Total domestic deposits to total assets | 89.7904% | 752 |
| Equity capital to assets | 9.3939% | 4,786 |
| Core capital (leverage) ratio | 7.6316% | 6,057 |
| Tier 1 risk-based capital ratio | 10.6197% | 5,874 |
| Total risk-based capital ratio | 11.7849% | 5,854 |
| Memoranda: | ||
| Average total assets | $1,515,259,330 | 473 |
| Average earning assets | $1,401,671,670 | 469 |
| Average equity | $143,665,330 | 527 |
| Average total loans | $1,006,922,330 | 475 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 3,656 |
| Cost of funding earning assets | 0.1979% | 5,536 |
| Net interest margin | 3.6954% | 2,631 |
| Noninterest income to average assets | 1.1065% | 925 |
| Noninterest expense to average assets | 3.0038% | 2,569 |
| Loan and lease loss provision to assets | 0.1191% | 1,737 |
| Net operating income to assets | 1.3411% | 1,161 |
| Return on assets (ROA) | 1.4184% | 1,054 |
| Pretax return on assets | 1.4808% | 1,629 |
| Return on Equity (ROE) | 14.8904% | 727 |
| Retained earnings to average equity (ytd only) | -0.3975% | 5,453 |
| Net charge-offs to loans | 0.0245% | 2,673 |
| Credit loss provision to net charge-offs | 737.7049% | 415 |
| Earnings coverage of net charge-offs (x) | 94.0820% | 519 |
| Efficiency ratio | 65.8804% | 4,181 |
| Assets per employee ($millions) | 3.6894% | 4,535 |
| Cash dividends to net income (ytd only)* | 102.6694% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 2,962 |
| Loan loss allowance to noncurrent loans | 134.6183% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 3,317 |
| Noncurrent loans to loans | 1.0322% | 2,706 |
| Net loans and leases to total assets | 65.6989% | 2,823 |
| Net loans and leases to deposits | 73.0690% | 3,422 |
| Net loans and leases to core deposits | 74.4983% | 3,737 |
| Total domestic deposits to total assets | 89.9135% | 784 |
| Equity capital to assets | 9.5710% | 4,665 |
| Core capital (leverage) ratio | 7.6818% | 6,078 |
| Tier 1 risk-based capital ratio | 10.7563% | 5,916 |
| Total risk-based capital ratio | 12.0072% | 5,839 |
| Memoranda: | ||
| Average total assets | $1,510,764,500 | 474 |
| Average earning assets | $1,396,866,500 | 465 |
| Average equity | $143,905,000 | 530 |
| Average total loans | $995,929,500 | 478 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8863% | 4,176 |
| Cost of funding earning assets | 0.2142% | 5,632 |
| Net interest margin | 3.6721% | 3,120 |
| Noninterest income to average assets | 1.1305% | 950 |
| Noninterest expense to average assets | 2.9403% | 3,029 |
| Loan and lease loss provision to assets | 0.1884% | 1,360 |
| Net operating income to assets | 1.3352% | 1,219 |
| Return on assets (ROA) | 1.4365% | 1,040 |
| Pretax return on assets | 1.4998% | 1,544 |
| Return on Equity (ROE) | 15.3152% | 725 |
| Retained earnings to average equity (ytd only) | -0.2306% | 5,807 |
| Net charge-offs to loans | 0.0523% | 3,788 |
| Credit loss provision to net charge-offs | 581.9838% | 458 |
| Earnings coverage of net charge-offs (x) | 48.8887% | 943 |
| Efficiency ratio | 64.4827% | 4,510 |
| Assets per employee ($millions) | 3.7165% | 4,498 |
| Cash dividends to net income (ytd only)* | 101.5055% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 3,024 |
| Loan loss allowance to noncurrent loans | 109.4197% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.8511% | 3,075 |
| Noncurrent loans to loans | 1.2643% | 2,337 |
| Net loans and leases to total assets | 64.3158% | 3,177 |
| Net loans and leases to deposits | 71.8373% | 3,702 |
| Net loans and leases to core deposits | 73.3176% | 3,990 |
| Total domestic deposits to total assets | 89.5298% | 959 |
| Equity capital to assets | 9.4795% | 4,744 |
| Core capital (leverage) ratio | 7.5578% | 6,186 |
| Tier 1 risk-based capital ratio | 11.1849% | 5,826 |
| Total risk-based capital ratio | 12.4361% | 5,759 |
| Memoranda: | ||
| Average total assets | $1,525,889,000 | 453 |
| Average earning assets | $1,409,734,600 | 449 |
| Average equity | $143,125,800 | 509 |
| Average total loans | $944,256,800 | 479 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 4,264 |
| Cost of funding earning assets | 0.2170% | 5,696 |
| Net interest margin | 3.6564% | 3,200 |
| Noninterest income to average assets | 1.1437% | 915 |
| Noninterest expense to average assets | 2.9147% | 3,071 |
| Loan and lease loss provision to assets | 0.1852% | 1,322 |
| Net operating income to assets | 1.3621% | 1,222 |
| Return on assets (ROA) | 1.4769% | 1,010 |
| Pretax return on assets | 1.5419% | 1,506 |
| Return on Equity (ROE) | 15.7864% | 700 |
| Retained earnings to average equity (ytd only) | 1.1168% | 5,439 |
| Net charge-offs to loans | 0.0304% | 3,878 |
| Credit loss provision to net charge-offs | 997.6526% | 337 |
| Earnings coverage of net charge-offs (x) | 86.6112% | 652 |
| Efficiency ratio | 63.9312% | 4,553 |
| Assets per employee ($millions) | 3.7880% | 4,315 |
| Cash dividends to net income (ytd only)* | 92.9259% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 3,458 |
| Loan loss allowance to noncurrent loans | 93.3329% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 3,028 |
| Noncurrent loans to loans | 1.4337% | 2,271 |
| Net loans and leases to total assets | 63.9656% | 3,176 |
| Net loans and leases to deposits | 72.2977% | 3,657 |
| Net loans and leases to core deposits | 73.8146% | 3,958 |
| Total domestic deposits to total assets | 88.4753% | 1,511 |
| Equity capital to assets | 9.5259% | 4,768 |
| Core capital (leverage) ratio | 7.6841% | 6,223 |
| Tier 1 risk-based capital ratio | 11.2106% | 5,907 |
| Total risk-based capital ratio | 12.4612% | 5,855 |
| Memoranda: | ||
| Average total assets | $1,530,141,000 | 451 |
| Average earning assets | $1,413,870,000 | 443 |
| Average equity | $143,148,750 | 512 |
| Average total loans | $934,305,250 | 476 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 4,295 |
| Cost of funding earning assets | 0.2199% | 5,746 |
| Net interest margin | 3.6411% | 3,185 |
| Noninterest income to average assets | 1.1183% | 950 |
| Noninterest expense to average assets | 2.9061% | 3,142 |
| Loan and lease loss provision to assets | 0.0977% | 2,398 |
| Net operating income to assets | 1.4127% | 1,034 |
| Return on assets (ROA) | 1.5947% | 740 |
| Pretax return on assets | 1.6648% | 1,102 |
| Return on Equity (ROE) | 17.1485% | 540 |
| Retained earnings to average equity (ytd only) | 2.0875% | 4,855 |
| Net charge-offs to loans | 0.0268% | 3,655 |
| Credit loss provision to net charge-offs | 609.7561% | 489 |
| Earnings coverage of net charge-offs (x) | 98.1545% | 561 |
| Efficiency ratio | 64.3561% | 4,637 |
| Assets per employee ($millions) | 3.6424% | 4,568 |
| Cash dividends to net income (ytd only)* | 87.8268% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 4,101 |
| Loan loss allowance to noncurrent loans | 258.6696% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 5,023 |
| Noncurrent loans to loans | 0.4864% | 4,539 |
| Net loans and leases to total assets | 61.5811% | 3,473 |
| Net loans and leases to deposits | 68.5079% | 3,994 |
| Net loans and leases to core deposits | 69.8889% | 4,278 |
| Total domestic deposits to total assets | 89.8891% | 862 |
| Equity capital to assets | 9.6754% | 4,525 |
| Core capital (leverage) ratio | 7.6989% | 6,249 |
| Tier 1 risk-based capital ratio | 11.6311% | 5,726 |
| Total risk-based capital ratio | 12.8361% | 5,709 |
| Memoranda: | ||
| Average total assets | $1,535,120,670 | 449 |
| Average earning assets | $1,416,867,330 | 444 |
| Average equity | $142,752,670 | 512 |
| Average total loans | $918,289,330 | 477 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 4,384 |
| Cost of funding earning assets | 0.2217% | 5,837 |
| Net interest margin | 3.6035% | 3,233 |
| Noninterest income to average assets | 1.0786% | 958 |
| Noninterest expense to average assets | 2.9243% | 3,141 |
| Loan and lease loss provision to assets | 0.0970% | 2,310 |
| Net operating income to assets | 1.3195% | 1,166 |
| Return on assets (ROA) | 1.3113% | 1,231 |
| Pretax return on assets | 1.3689% | 1,854 |
| Return on Equity (ROE) | 14.3855% | 878 |
| Retained earnings to average equity (ytd only) | -1.2170% | 5,762 |
| Net charge-offs to loans | 0.0349% | 2,904 |
| Credit loss provision to net charge-offs | 474.6835% | 568 |
| Earnings coverage of net charge-offs (x) | 72.1772% | 578 |
| Efficiency ratio | 65.9514% | 4,537 |
| Assets per employee ($millions) | 3.7586% | 4,404 |
| Cash dividends to net income (ytd only)* | 108.4599% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 4,327 |
| Loan loss allowance to noncurrent loans | 279.4909% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 5,157 |
| Noncurrent loans to loans | 0.4504% | 4,801 |
| Net loans and leases to total assets | 58.5351% | 3,756 |
| Net loans and leases to deposits | 65.4949% | 4,148 |
| Net loans and leases to core deposits | 66.9607% | 4,403 |
| Total domestic deposits to total assets | 89.3736% | 1,432 |
| Equity capital to assets | 9.2338% | 4,835 |
| Core capital (leverage) ratio | 7.4164% | 6,366 |
| Tier 1 risk-based capital ratio | 11.2494% | 6,041 |
| Total risk-based capital ratio | 12.4026% | 6,047 |
| Memoranda: | ||
| Average total assets | $1,546,890,500 | 453 |
| Average earning assets | $1,425,281,500 | 446 |
| Average equity | $141,003,500 | 519 |
| Average total loans | $906,080,000 | 485 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 4,839 |
| Cost of funding earning assets | 0.2906% | 5,669 |
| Net interest margin | 3.5036% | 3,893 |
| Noninterest income to average assets | 1.1236% | 1,116 |
| Noninterest expense to average assets | 2.8512% | 3,525 |
| Loan and lease loss provision to assets | 0.0978% | 3,167 |
| Net operating income to assets | 1.3347% | 1,170 |
| Return on assets (ROA) | 1.3004% | 1,298 |
| Pretax return on assets | 1.3559% | 1,943 |
| Return on Equity (ROE) | 13.9906% | 951 |
| Retained earnings to average equity (ytd only) | 2.0604% | 4,773 |
| Net charge-offs to loans | 0.0389% | 4,686 |
| Credit loss provision to net charge-offs | 455.9271% | 504 |
| Earnings coverage of net charge-offs (x) | 69.4012% | 610 |
| Efficiency ratio | 65.1423% | 4,706 |
| Assets per employee ($millions) | 3.7147% | 4,447 |
| Cash dividends to net income (ytd only)* | 85.2729% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 4,374 |
| Loan loss allowance to noncurrent loans | 243.2438% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 5,189 |
| Noncurrent loans to loans | 0.5152% | 4,705 |
| Net loans and leases to total assets | 57.1439% | 4,174 |
| Net loans and leases to deposits | 66.4954% | 4,244 |
| Net loans and leases to core deposits | 67.7734% | 4,540 |
| Total domestic deposits to total assets | 85.9365% | 3,292 |
| Equity capital to assets | 8.9971% | 5,038 |
| Core capital (leverage) ratio | 7.4718% | 6,385 |
| Tier 1 risk-based capital ratio | 11.3187% | 6,014 |
| Total risk-based capital ratio | 12.4458% | 6,025 |
| Memoranda: | ||
| Average total assets | $1,533,026,600 | 447 |
| Average earning assets | $1,407,598,400 | 438 |
| Average equity | $142,495,400 | 511 |
| Average total loans | $845,138,800 | 490 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7840% | 4,916 |
| Cost of funding earning assets | 0.3079% | 5,666 |
| Net interest margin | 3.4762% | 3,991 |
| Noninterest income to average assets | 1.1099% | 1,190 |
| Noninterest expense to average assets | 2.8463% | 3,502 |
| Loan and lease loss provision to assets | 0.0981% | 3,123 |
| Net operating income to assets | 1.2981% | 1,360 |
| Return on assets (ROA) | 1.2794% | 1,467 |
| Pretax return on assets | 1.3359% | 2,189 |
| Return on Equity (ROE) | 13.6534% | 1,084 |
| Retained earnings to average equity (ytd only) | 2.0212% | 5,117 |
| Net charge-offs to loans | 0.0070% | 5,028 |
| Credit loss provision to net charge-offs | 2,556.8182% | 129 |
| Earnings coverage of net charge-offs (x) | 378.7871% | 156 |
| Efficiency ratio | 65.6472% | 4,554 |
| Assets per employee ($millions) | 3.7075% | 4,437 |
| Cash dividends to net income (ytd only)* | 85.1963% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 4,441 |
| Loan loss allowance to noncurrent loans | 226.7603% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 5,080 |
| Noncurrent loans to loans | 0.5691% | 4,781 |
| Net loans and leases to total assets | 55.2584% | 4,422 |
| Net loans and leases to deposits | 62.1494% | 4,745 |
| Net loans and leases to core deposits | 63.7142% | 4,924 |
| Total domestic deposits to total assets | 88.9123% | 1,608 |
| Equity capital to assets | 9.0802% | 5,084 |
| Core capital (leverage) ratio | 7.4512% | 6,468 |
| Tier 1 risk-based capital ratio | 11.4719% | 6,072 |
| Total risk-based capital ratio | 12.6139% | 6,092 |
| Memoranda: | ||
| Average total assets | $1,529,029,500 | 451 |
| Average earning assets | $1,403,087,250 | 442 |
| Average equity | $143,277,500 | 516 |
| Average total loans | $832,323,500 | 498 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 4,747 |
| Cost of funding earning assets | 0.3254% | 5,608 |
| Net interest margin | 3.4991% | 3,785 |
| Noninterest income to average assets | 1.0849% | 1,301 |
| Noninterest expense to average assets | 2.8508% | 3,512 |
| Loan and lease loss provision to assets | 0.0984% | 3,149 |
| Net operating income to assets | 1.2868% | 1,357 |
| Return on assets (ROA) | 1.3096% | 1,385 |
| Pretax return on assets | 1.3674% | 2,047 |
| Return on Equity (ROE) | 13.8311% | 1,051 |
| Retained earnings to average equity (ytd only) | 3.4401% | 4,131 |
| Net charge-offs to loans | 0.0820% | 3,547 |
| Credit loss provision to net charge-offs | 222.5519% | 1,096 |
| Earnings coverage of net charge-offs (x) | 32.6202% | 1,083 |
| Efficiency ratio | 65.8549% | 4,575 |
| Assets per employee ($millions) | 3.5948% | 4,641 |
| Cash dividends to net income (ytd only)* | 75.1277% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 4,778 |
| Loan loss allowance to noncurrent loans | 218.9590% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 4,933 |
| Noncurrent loans to loans | 0.5669% | 4,842 |
| Net loans and leases to total assets | 54.9357% | 4,458 |
| Net loans and leases to deposits | 61.1401% | 4,842 |
| Net loans and leases to core deposits | 62.9376% | 5,016 |
| Total domestic deposits to total assets | 89.8522% | 1,120 |
| Equity capital to assets | 9.1952% | 4,997 |
| Core capital (leverage) ratio | 7.5769% | 6,424 |
| Tier 1 risk-based capital ratio | 11.5394% | 6,087 |
| Total risk-based capital ratio | 12.6171% | 6,133 |
| Memoranda: | ||
| Average total assets | $1,524,605,670 | 452 |
| Average earning assets | $1,397,771,330 | 440 |
| Average equity | $144,355,330 | 515 |
| Average total loans | $821,966,670 | 505 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 4,598 |
| Cost of funding earning assets | 0.3422% | 5,622 |
| Net interest margin | 3.5230% | 3,605 |
| Noninterest income to average assets | 1.1005% | 1,221 |
| Noninterest expense to average assets | 2.8301% | 3,601 |
| Loan and lease loss provision to assets | 0.0981% | 3,048 |
| Net operating income to assets | 1.3385% | 1,181 |
| Return on assets (ROA) | 1.2410% | 1,518 |
| Pretax return on assets | 1.2955% | 2,246 |
| Return on Equity (ROE) | 12.9220% | 1,192 |
| Retained earnings to average equity (ytd only) | 2.0220% | 4,992 |
| Net charge-offs to loans | 0.0533% | 3,294 |
| Credit loss provision to net charge-offs | 347.2222% | 707 |
| Earnings coverage of net charge-offs (x) | 52.8981% | 643 |
| Efficiency ratio | 64.8817% | 4,844 |
| Assets per employee ($millions) | 3.6551% | 4,662 |
| Cash dividends to net income (ytd only)* | 84.3526% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 4,881 |
| Loan loss allowance to noncurrent loans | 177.6574% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 5,026 |
| Noncurrent loans to loans | 0.7106% | 4,704 |
| Net loans and leases to total assets | 52.5012% | 4,621 |
| Net loans and leases to deposits | 58.3219% | 4,996 |
| Net loans and leases to core deposits | 60.3143% | 5,110 |
| Total domestic deposits to total assets | 90.0197% | 1,034 |
| Equity capital to assets | 9.5739% | 4,748 |
| Core capital (leverage) ratio | 7.4048% | 6,506 |
| Tier 1 risk-based capital ratio | 11.6299% | 6,115 |
| Total risk-based capital ratio | 12.7187% | 6,175 |
| Memoranda: | ||
| Average total assets | $1,528,411,500 | 456 |
| Average earning assets | $1,399,042,000 | 446 |
| Average equity | $146,788,000 | 510 |
| Average total loans | $811,026,500 | 510 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 4,864 |
| Cost of funding earning assets | 0.4783% | 5,366 |
| Net interest margin | 3.6456% | 3,898 |
| Noninterest income to average assets | 1.1461% | 1,189 |
| Noninterest expense to average assets | 2.9967% | 3,289 |
| Loan and lease loss provision to assets | 0.0405% | 5,358 |
| Net operating income to assets | 1.3742% | 1,144 |
| Return on assets (ROA) | 1.3091% | 1,418 |
| Pretax return on assets | 1.3675% | 2,153 |
| Return on Equity (ROE) | 13.5338% | 1,100 |
| Retained earnings to average equity (ytd only) | -0.0838% | 5,860 |
| Net charge-offs to loans | 0.1474% | 4,218 |
| Credit loss provision to net charge-offs | 52.8169% | 4,623 |
| Earnings coverage of net charge-offs (x) | 19.2333% | 1,397 |
| Efficiency ratio | 66.4482% | 4,423 |
| Assets per employee ($millions) | 3.6144% | 4,747 |
| Cash dividends to net income (ytd only)* | 100.6192% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 4,863 |
| Loan loss allowance to noncurrent loans | 228.3704% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 5,325 |
| Noncurrent loans to loans | 0.5481% | 5,158 |
| Net loans and leases to total assets | 52.2900% | 4,887 |
| Net loans and leases to deposits | 58.1784% | 5,221 |
| Net loans and leases to core deposits | 60.6515% | 5,303 |
| Total domestic deposits to total assets | 89.8787% | 1,024 |
| Equity capital to assets | 9.6345% | 4,684 |
| Core capital (leverage) ratio | 7.4553% | 6,521 |
| Tier 1 risk-based capital ratio | 11.6936% | 5,958 |
| Total risk-based capital ratio | 12.7682% | 6,059 |
| Memoranda: | ||
| Average total assets | $1,480,444,800 | 452 |
| Average earning assets | $1,350,819,600 | 453 |
| Average equity | $143,197,000 | 509 |
| Average total loans | $770,737,600 | 532 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 4,795 |
| Cost of funding earning assets | 0.4982% | 5,446 |
| Net interest margin | 3.7099% | 3,754 |
| Noninterest income to average assets | 1.1658% | 1,121 |
| Noninterest expense to average assets | 2.9862% | 3,282 |
| Loan and lease loss provision to assets | 0.0136% | 5,644 |
| Net operating income to assets | 1.4851% | 1,048 |
| Return on assets (ROA) | 1.4262% | 1,288 |
| Pretax return on assets | 1.4922% | 1,912 |
| Return on Equity (ROE) | 14.7294% | 946 |
| Retained earnings to average equity (ytd only) | 0.2200% | 6,013 |
| Net charge-offs to loans | 0.1319% | 4,064 |
| Credit loss provision to net charge-offs | 19.8939% | 4,955 |
| Earnings coverage of net charge-offs (x) | 22.9323% | 1,335 |
| Efficiency ratio | 65.0324% | 4,622 |
| Assets per employee ($millions) | 3.4234% | 5,153 |
| Cash dividends to net income (ytd only)* | 98.5065% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 4,888 |
| Loan loss allowance to noncurrent loans | 296.6459% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 5,485 |
| Noncurrent loans to loans | 0.4327% | 5,582 |
| Net loans and leases to total assets | 51.8523% | 5,073 |
| Net loans and leases to deposits | 58.6275% | 5,363 |
| Net loans and leases to core deposits | 61.3209% | 5,422 |
| Total domestic deposits to total assets | 88.4437% | 1,757 |
| Equity capital to assets | 9.7496% | 4,853 |
| Core capital (leverage) ratio | 7.5073% | 6,618 |
| Tier 1 risk-based capital ratio | 11.9897% | 5,938 |
| Total risk-based capital ratio | 13.0816% | 6,021 |
| Memoranda: | ||
| Average total assets | $1,471,046,250 | 456 |
| Average earning assets | $1,343,263,000 | 452 |
| Average equity | $142,432,500 | 508 |
| Average total loans | $762,461,000 | 533 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 4,710 |
| Cost of funding earning assets | 0.5074% | 5,569 |
| Net interest margin | 3.7568% | 3,554 |
| Noninterest income to average assets | 1.1395% | 1,097 |
| Noninterest expense to average assets | 3.0143% | 3,209 |
| Loan and lease loss provision to assets | 0.0204% | 5,411 |
| Net operating income to assets | 1.4445% | 1,099 |
| Return on assets (ROA) | 1.3516% | 1,461 |
| Pretax return on assets | 1.4324% | 2,079 |
| Return on Equity (ROE) | 13.9922% | 1,123 |
| Retained earnings to average equity (ytd only) | -0.8241% | 6,184 |
| Net charge-offs to loans | 0.1120% | 4,060 |
| Credit loss provision to net charge-offs | 35.3774% | 4,352 |
| Earnings coverage of net charge-offs (x) | 26.8491% | 1,151 |
| Efficiency ratio | 65.4666% | 4,631 |
| Assets per employee ($millions) | 3.4399% | 5,110 |
| Cash dividends to net income (ytd only)* | 105.8895% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 4,651 |
| Loan loss allowance to noncurrent loans | 232.4702% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 5,625 |
| Noncurrent loans to loans | 0.5825% | 5,345 |
| Net loans and leases to total assets | 51.0864% | 5,213 |
| Net loans and leases to deposits | 57.6628% | 5,487 |
| Net loans and leases to core deposits | 60.2925% | 5,559 |
| Total domestic deposits to total assets | 88.5949% | 1,758 |
| Equity capital to assets | 9.6370% | 4,856 |
| Core capital (leverage) ratio | 7.5994% | 6,570 |
| Tier 1 risk-based capital ratio | 12.1978% | 5,798 |
| Total risk-based capital ratio | 13.3549% | 5,837 |
| Memoranda: | ||
| Average total assets | $1,467,285,330 | 456 |
| Average earning assets | $1,338,254,670 | 453 |
| Average equity | $141,736,330 | 503 |
| Average total loans | $757,076,000 | 532 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 4,567 |
| Cost of funding earning assets | 0.5183% | 5,695 |
| Net interest margin | 3.8216% | 3,282 |
| Noninterest income to average assets | 1.0972% | 1,183 |
| Noninterest expense to average assets | 3.0426% | 3,107 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4265% | 1,174 |
| Return on assets (ROA) | 1.4301% | 1,310 |
| Pretax return on assets | 1.5355% | 1,781 |
| Return on Equity (ROE) | 14.7872% | 1,016 |
| Retained earnings to average equity (ytd only) | -0.7426% | 6,119 |
| Net charge-offs to loans | 0.1395% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 21.3270% | 1,157 |
| Efficiency ratio | 65.9662% | 4,559 |
| Assets per employee ($millions) | 3.3897% | 5,365 |
| Cash dividends to net income (ytd only)* | 105.0220% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,829 |
| Loan loss allowance to noncurrent loans | 227.8942% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 5,723 |
| Noncurrent loans to loans | 0.5896% | 5,482 |
| Net loans and leases to total assets | 51.7002% | 5,061 |
| Net loans and leases to deposits | 58.6252% | 5,309 |
| Net loans and leases to core deposits | 61.7262% | 5,354 |
| Total domestic deposits to total assets | 88.1877% | 2,193 |
| Equity capital to assets | 9.5759% | 4,685 |
| Core capital (leverage) ratio | 7.6562% | 6,527 |
| Tier 1 risk-based capital ratio | 11.9117% | 6,025 |
| Total risk-based capital ratio | 13.0424% | 6,073 |
| Memoranda: | ||
| Average total assets | $1,464,798,000 | 456 |
| Average earning assets | $1,332,753,500 | 453 |
| Average equity | $141,663,500 | 502 |
| Average total loans | $754,390,000 | 536 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 5,117 |
| Cost of funding earning assets | 0.6063% | 6,063 |
| Net interest margin | 3.8835% | 3,406 |
| Noninterest income to average assets | 1.1200% | 1,057 |
| Noninterest expense to average assets | 2.9382% | 3,813 |
| Loan and lease loss provision to assets | 0.1234% | 5,063 |
| Net operating income to assets | 1.5312% | 776 |
| Return on assets (ROA) | 1.3300% | 1,266 |
| Pretax return on assets | 1.3859% | 1,823 |
| Return on Equity (ROE) | 14.0368% | 921 |
| Retained earnings to average equity (ytd only) | 2.3859% | 4,528 |
| Net charge-offs to loans | 0.3519% | 3,640 |
| Credit loss provision to net charge-offs | 67.7711% | 4,935 |
| Earnings coverage of net charge-offs (x) | 9.4383% | 1,982 |
| Efficiency ratio | 62.5372% | 5,376 |
| Assets per employee ($millions) | 3.4316% | 5,176 |
| Cash dividends to net income (ytd only)* | 83.0025% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 4,321 |
| Loan loss allowance to noncurrent loans | 213.3253% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 5,647 |
| Noncurrent loans to loans | 0.6717% | 5,354 |
| Net loans and leases to total assets | 49.8696% | 5,600 |
| Net loans and leases to deposits | 56.8493% | 5,811 |
| Net loans and leases to core deposits | 60.5953% | 5,792 |
| Total domestic deposits to total assets | 87.7225% | 2,320 |
| Equity capital to assets | 9.7669% | 4,484 |
| Core capital (leverage) ratio | 7.6747% | 6,551 |
| Tier 1 risk-based capital ratio | 12.2468% | 5,649 |
| Total risk-based capital ratio | 13.4351% | 5,677 |
| Memoranda: | ||
| Average total assets | $1,458,396,400 | 458 |
| Average earning assets | $1,328,295,200 | 451 |
| Average equity | $138,187,000 | 501 |
| Average total loans | $754,834,800 | 542 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 5,182 |
| Cost of funding earning assets | 0.6200% | 6,184 |
| Net interest margin | 3.9047% | 3,359 |
| Noninterest income to average assets | 1.1064% | 1,090 |
| Noninterest expense to average assets | 2.9110% | 3,884 |
| Loan and lease loss provision to assets | 0.1235% | 4,892 |
| Net operating income to assets | 1.5655% | 824 |
| Return on assets (ROA) | 1.3569% | 1,332 |
| Pretax return on assets | 1.4164% | 1,894 |
| Return on Equity (ROE) | 14.4315% | 955 |
| Retained earnings to average equity (ytd only) | 3.6320% | 4,167 |
| Net charge-offs to loans | 0.2499% | 3,867 |
| Credit loss provision to net charge-offs | 94.9367% | 3,606 |
| Earnings coverage of net charge-offs (x) | 13.5092% | 1,609 |
| Efficiency ratio | 61.8083% | 5,441 |
| Assets per employee ($millions) | 3.3662% | 5,328 |
| Cash dividends to net income (ytd only)* | 74.8331% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,969 |
| Loan loss allowance to noncurrent loans | 207.7766% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 5,737 |
| Noncurrent loans to loans | 0.7354% | 5,407 |
| Net loans and leases to total assets | 51.0320% | 5,573 |
| Net loans and leases to deposits | 58.3173% | 5,814 |
| Net loans and leases to core deposits | 62.1137% | 5,803 |
| Total domestic deposits to total assets | 87.5076% | 2,346 |
| Equity capital to assets | 9.9624% | 4,393 |
| Core capital (leverage) ratio | 7.6761% | 6,653 |
| Tier 1 risk-based capital ratio | 12.2005% | 5,744 |
| Total risk-based capital ratio | 13.4506% | 5,726 |
| Memoranda: | ||
| Average total assets | $1,457,531,000 | 459 |
| Average earning assets | $1,329,546,000 | 457 |
| Average equity | $137,039,250 | 511 |
| Average total loans | $758,638,250 | 547 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4674% | 5,459 |
| Cost of funding earning assets | 0.6250% | 6,338 |
| Net interest margin | 3.8425% | 3,572 |
| Noninterest income to average assets | 1.0629% | 1,164 |
| Noninterest expense to average assets | 2.8587% | 4,193 |
| Loan and lease loss provision to assets | 0.1229% | 4,750 |
| Net operating income to assets | 1.5228% | 844 |
| Return on assets (ROA) | 1.2939% | 1,407 |
| Pretax return on assets | 1.3507% | 1,958 |
| Return on Equity (ROE) | 14.0355% | 972 |
| Retained earnings to average equity (ytd only) | 4.9975% | 3,009 |
| Net charge-offs to loans | 0.2961% | 3,394 |
| Credit loss provision to net charge-offs | 79.6460% | 3,783 |
| Earnings coverage of net charge-offs (x) | 11.0929% | 1,743 |
| Efficiency ratio | 61.9920% | 5,589 |
| Assets per employee ($millions) | 3.4702% | 5,015 |
| Cash dividends to net income (ytd only)* | 64.3935% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 4,217 |
| Loan loss allowance to noncurrent loans | 238.0993% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 5,887 |
| Noncurrent loans to loans | 0.6218% | 5,681 |
| Net loans and leases to total assets | 50.4019% | 5,768 |
| Net loans and leases to deposits | 57.3511% | 6,014 |
| Net loans and leases to core deposits | 62.0959% | 5,890 |
| Total domestic deposits to total assets | 87.8831% | 2,222 |
| Equity capital to assets | 9.5302% | 4,770 |
| Core capital (leverage) ratio | 7.4394% | 6,785 |
| Tier 1 risk-based capital ratio | 11.7937% | 5,942 |
| Total risk-based capital ratio | 13.0069% | 5,966 |
| Memoranda: | ||
| Average total assets | $1,464,250,000 | 464 |
| Average earning assets | $1,336,741,330 | 458 |
| Average equity | $134,986,670 | 518 |
| Average total loans | $763,216,670 | 553 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 5,850 |
| Cost of funding earning assets | 0.6218% | 6,514 |
| Net interest margin | 3.7285% | 3,954 |
| Noninterest income to average assets | 0.9674% | 1,415 |
| Noninterest expense to average assets | 2.8867% | 4,120 |
| Loan and lease loss provision to assets | 0.1237% | 4,453 |
| Net operating income to assets | 1.3035% | 1,257 |
| Return on assets (ROA) | 0.9929% | 2,257 |
| Pretax return on assets | 1.0366% | 2,996 |
| Return on Equity (ROE) | 10.9592% | 1,754 |
| Retained earnings to average equity (ytd only) | 3.3760% | 4,162 |
| Net charge-offs to loans | 0.5599% | 2,091 |
| Credit loss provision to net charge-offs | 41.9776% | 3,906 |
| Earnings coverage of net charge-offs (x) | 5.0364% | 2,345 |
| Efficiency ratio | 65.4971% | 5,124 |
| Assets per employee ($millions) | 3.6718% | 4,602 |
| Cash dividends to net income (ytd only)* | 69.1946% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 4,646 |
| Loan loss allowance to noncurrent loans | 209.5164% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 5,839 |
| Noncurrent loans to loans | 0.6704% | 5,691 |
| Net loans and leases to total assets | 51.7663% | 5,613 |
| Net loans and leases to deposits | 58.5264% | 5,875 |
| Net loans and leases to core deposits | 63.1235% | 5,817 |
| Total domestic deposits to total assets | 88.4493% | 2,106 |
| Equity capital to assets | 9.1179% | 5,010 |
| Core capital (leverage) ratio | 7.5832% | 6,671 |
| Tier 1 risk-based capital ratio | 11.3236% | 6,229 |
| Total risk-based capital ratio | 12.4725% | 6,299 |
| Memoranda: | ||
| Average total assets | $1,455,483,500 | 472 |
| Average earning assets | $1,328,474,500 | 469 |
| Average equity | $131,871,500 | 526 |
| Average total loans | $765,789,500 | 561 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 5,915 |
| Cost of funding earning assets | 0.7756% | 6,661 |
| Net interest margin | 3.8863% | 3,555 |
| Noninterest income to average assets | 1.1656% | 1,087 |
| Noninterest expense to average assets | 3.0292% | 3,735 |
| Loan and lease loss provision to assets | 0.1712% | 5,509 |
| Net operating income to assets | 1.4370% | 877 |
| Return on assets (ROA) | 1.1207% | 1,721 |
| Pretax return on assets | 1.1694% | 2,331 |
| Return on Equity (ROE) | 12.5080% | 1,218 |
| Retained earnings to average equity (ytd only) | 3.7522% | 3,241 |
| Net charge-offs to loans | 0.2658% | 4,706 |
| Credit loss provision to net charge-offs | 117.0161% | 3,660 |
| Earnings coverage of net charge-offs (x) | 11.4169% | 1,611 |
| Efficiency ratio | 63.9293% | 5,366 |
| Assets per employee ($millions) | 3.4837% | 4,970 |
| Cash dividends to net income (ytd only)* | 70.0013% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 3,973 |
| Loan loss allowance to noncurrent loans | 170.4972% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 5,875 |
| Noncurrent loans to loans | 0.8834% | 5,296 |
| Net loans and leases to total assets | 51.9323% | 5,918 |
| Net loans and leases to deposits | 59.1221% | 6,144 |
| Net loans and leases to core deposits | 64.1004% | 6,045 |
| Total domestic deposits to total assets | 87.8391% | 2,347 |
| Equity capital to assets | 9.0016% | 5,142 |
| Core capital (leverage) ratio | 7.6365% | 6,592 |
| Tier 1 risk-based capital ratio | 11.4320% | 5,964 |
| Total risk-based capital ratio | 12.6495% | 5,985 |
| Memoranda: | ||
| Average total assets | $1,402,138,200 | 482 |
| Average earning assets | $1,274,875,400 | 480 |
| Average equity | $125,631,400 | 541 |
| Average total loans | $771,580,600 | 563 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 5,967 |
| Cost of funding earning assets | 0.7989% | 6,769 |
| Net interest margin | 3.9148% | 3,467 |
| Noninterest income to average assets | 1.1669% | 1,025 |
| Noninterest expense to average assets | 3.0706% | 3,478 |
| Loan and lease loss provision to assets | 0.2011% | 5,039 |
| Net operating income to assets | 1.3899% | 1,125 |
| Return on assets (ROA) | 1.0733% | 2,106 |
| Pretax return on assets | 1.1203% | 2,766 |
| Return on Equity (ROE) | 11.9928% | 1,503 |
| Retained earnings to average equity (ytd only) | 5.5715% | 2,607 |
| Net charge-offs to loans | 0.3375% | 3,955 |
| Credit loss provision to net charge-offs | 107.1429% | 3,982 |
| Earnings coverage of net charge-offs (x) | 8.7964% | 2,110 |
| Efficiency ratio | 64.4943% | 5,158 |
| Assets per employee ($millions) | 3.2745% | 5,536 |
| Cash dividends to net income (ytd only)* | 53.5427% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 3,969 |
| Loan loss allowance to noncurrent loans | 178.4637% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 5,898 |
| Noncurrent loans to loans | 0.8401% | 5,541 |
| Net loans and leases to total assets | 53.0861% | 5,972 |
| Net loans and leases to deposits | 61.2505% | 6,190 |
| Net loans and leases to core deposits | 67.2763% | 6,012 |
| Total domestic deposits to total assets | 86.6704% | 2,706 |
| Equity capital to assets | 9.3388% | 5,066 |
| Core capital (leverage) ratio | 7.7636% | 6,611 |
| Tier 1 risk-based capital ratio | 11.5280% | 5,902 |
| Total risk-based capital ratio | 12.7288% | 5,939 |
| Memoranda: | ||
| Average total assets | $1,392,113,750 | 477 |
| Average earning assets | $1,264,162,750 | 475 |
| Average equity | $124,583,000 | 538 |
| Average total loans | $774,365,750 | 559 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 6,230 |
| Cost of funding earning assets | 0.8125% | 6,868 |
| Net interest margin | 3.8629% | 3,621 |
| Noninterest income to average assets | 1.1348% | 1,014 |
| Noninterest expense to average assets | 3.0888% | 3,370 |
| Loan and lease loss provision to assets | 0.2370% | 4,540 |
| Net operating income to assets | 1.2569% | 1,410 |
| Return on assets (ROA) | 0.9550% | 2,434 |
| Pretax return on assets | 0.9969% | 3,125 |
| Return on Equity (ROE) | 10.8284% | 1,801 |
| Retained earnings to average equity (ytd only) | 5.1275% | 2,831 |
| Net charge-offs to loans | 0.3509% | 3,600 |
| Credit loss provision to net charge-offs | 120.1748% | 3,380 |
| Earnings coverage of net charge-offs (x) | 7.8507% | 2,224 |
| Efficiency ratio | 66.0636% | 4,969 |
| Assets per employee ($millions) | 3.2147% | 5,648 |
| Cash dividends to net income (ytd only)* | 52.6474% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 4,001 |
| Loan loss allowance to noncurrent loans | 135.0498% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 5,494 |
| Noncurrent loans to loans | 1.0989% | 5,120 |
| Net loans and leases to total assets | 54.7874% | 5,872 |
| Net loans and leases to deposits | 63.1985% | 6,118 |
| Net loans and leases to core deposits | 69.7985% | 5,896 |
| Total domestic deposits to total assets | 86.6910% | 2,711 |
| Equity capital to assets | 9.2298% | 5,103 |
| Core capital (leverage) ratio | 7.7222% | 6,586 |
| Tier 1 risk-based capital ratio | 11.1037% | 6,138 |
| Total risk-based capital ratio | 12.2981% | 6,181 |
| Memoranda: | ||
| Average total assets | $1,392,260,670 | 479 |
| Average earning assets | $1,262,307,000 | 474 |
| Average equity | $122,788,670 | 544 |
| Average total loans | $782,477,670 | 558 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7448% | 6,094 |
| Cost of funding earning assets | 0.8183% | 7,032 |
| Net interest margin | 3.9264% | 3,215 |
| Noninterest income to average assets | 1.0477% | 1,163 |
| Noninterest expense to average assets | 3.1646% | 2,996 |
| Loan and lease loss provision to assets | 0.2574% | 3,980 |
| Net operating income to assets | 1.1328% | 1,736 |
| Return on assets (ROA) | 0.9717% | 2,361 |
| Pretax return on assets | 1.0143% | 3,036 |
| Return on Equity (ROE) | 11.2761% | 1,697 |
| Retained earnings to average equity (ytd only) | 7.1280% | 2,079 |
| Net charge-offs to loans | 0.3822% | 2,903 |
| Credit loss provision to net charge-offs | 119.2053% | 2,922 |
| Earnings coverage of net charge-offs (x) | 6.6675% | 2,188 |
| Efficiency ratio | 68.1883% | 4,689 |
| Assets per employee ($millions) | 3.1914% | 5,789 |
| Cash dividends to net income (ytd only)* | 36.7863% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 4,197 |
| Loan loss allowance to noncurrent loans | 161.6379% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 5,918 |
| Noncurrent loans to loans | 0.8922% | 5,536 |
| Net loans and leases to total assets | 54.8753% | 5,910 |
| Net loans and leases to deposits | 63.2241% | 6,144 |
| Net loans and leases to core deposits | 70.6316% | 5,859 |
| Total domestic deposits to total assets | 86.7949% | 2,737 |
| Equity capital to assets | 8.6633% | 5,787 |
| Core capital (leverage) ratio | 7.5673% | 6,775 |
| Tier 1 risk-based capital ratio | 10.6820% | 6,462 |
| Total risk-based capital ratio | 11.8296% | 6,550 |
| Memoranda: | ||
| Average total assets | $1,398,832,000 | 493 |
| Average earning assets | $1,266,997,500 | 485 |
| Average equity | $120,538,000 | 558 |
| Average total loans | $790,234,000 | 573 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 5,048 |
| Cost of funding earning assets | 1.0410% | 7,118 |
| Net interest margin | 4.2858% | 1,759 |
| Noninterest income to average assets | 1.2187% | 1,026 |
| Noninterest expense to average assets | 3.3901% | 2,711 |
| Loan and lease loss provision to assets | 0.4659% | 4,042 |
| Net operating income to assets | 1.1644% | 1,350 |
| Return on assets (ROA) | 1.0489% | 1,713 |
| Pretax return on assets | 1.0963% | 2,264 |
| Return on Equity (ROE) | 11.7330% | 1,227 |
| Retained earnings to average equity (ytd only) | 8.6800% | 545 |
| Net charge-offs to loans | 0.3696% | 4,368 |
| Credit loss provision to net charge-offs | 196.0302% | 2,019 |
| Earnings coverage of net charge-offs (x) | 7.0794% | 2,224 |
| Efficiency ratio | 66.2911% | 5,339 |
| Assets per employee ($millions) | 3.1527% | 5,851 |
| Cash dividends to net income (ytd only)* | 26.0204% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 4,297 |
| Loan loss allowance to noncurrent loans | 146.6394% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 5,866 |
| Noncurrent loans to loans | 0.9461% | 5,420 |
| Net loans and leases to total assets | 56.5140% | 5,889 |
| Net loans and leases to deposits | 65.4537% | 6,117 |
| Net loans and leases to core deposits | 76.5711% | 6,368 |
| Total domestic deposits to total assets | 86.3418% | 2,845 |
| Equity capital to assets | 8.5707% | 5,766 |
| Core capital (leverage) ratio | 7.9240% | 6,293 |
| Tier 1 risk-based capital ratio | 10.4755% | 6,418 |
| Total risk-based capital ratio | 11.6106% | 6,498 |
| Memoranda: | ||
| Average total assets | $1,282,433,400 | 528 |
| Average earning assets | $1,153,216,000 | 526 |
| Average equity | $114,642,200 | 571 |
| Average total loans | $824,765,600 | 564 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4368% | 4,759 |
| Cost of funding earning assets | 1.1030% | 7,171 |
| Net interest margin | 4.3337% | 1,630 |
| Noninterest income to average assets | 1.2132% | 1,046 |
| Noninterest expense to average assets | 3.4501% | 2,419 |
| Loan and lease loss provision to assets | 0.4785% | 3,512 |
| Net operating income to assets | 1.1277% | 1,644 |
| Return on assets (ROA) | 1.1074% | 1,770 |
| Pretax return on assets | 1.1563% | 2,393 |
| Return on Equity (ROE) | 12.2467% | 1,298 |
| Retained earnings to average equity (ytd only) | 9.6008% | 707 |
| Net charge-offs to loans | 0.1701% | 5,032 |
| Credit loss provision to net charge-offs | 424.5283% | 936 |
| Earnings coverage of net charge-offs (x) | 14.6915% | 1,583 |
| Efficiency ratio | 67.0214% | 5,180 |
| Assets per employee ($millions) | 2.8940% | 6,424 |
| Cash dividends to net income (ytd only)* | 21.6056% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 3,824 |
| Loan loss allowance to noncurrent loans | 134.2966% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7432% | 5,645 |
| Noncurrent loans to loans | 1.0590% | 5,199 |
| Net loans and leases to total assets | 62.6731% | 5,124 |
| Net loans and leases to deposits | 73.1727% | 5,490 |
| Net loans and leases to core deposits | 83.2323% | 6,102 |
| Total domestic deposits to total assets | 85.6509% | 2,886 |
| Equity capital to assets | 9.0970% | 5,345 |
| Core capital (leverage) ratio | 8.0247% | 6,315 |
| Tier 1 risk-based capital ratio | 10.2333% | 6,747 |
| Total risk-based capital ratio | 11.4151% | 6,759 |
| Memoranda: | ||
| Average total assets | $1,253,876,750 | 549 |
| Average earning assets | $1,126,328,750 | 552 |
| Average equity | $113,377,000 | 588 |
| Average total loans | $830,853,750 | 573 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5007% | 4,627 |
| Cost of funding earning assets | 1.1390% | 7,277 |
| Net interest margin | 4.3616% | 1,490 |
| Noninterest income to average assets | 1.1987% | 1,087 |
| Noninterest expense to average assets | 3.5061% | 2,321 |
| Loan and lease loss provision to assets | 0.3780% | 3,661 |
| Net operating income to assets | 1.1705% | 1,562 |
| Return on assets (ROA) | 1.0652% | 1,966 |
| Pretax return on assets | 1.1120% | 2,595 |
| Return on Equity (ROE) | 11.8050% | 1,480 |
| Retained earnings to average equity (ytd only) | 9.1314% | 905 |
| Net charge-offs to loans | 0.1709% | 4,517 |
| Credit loss provision to net charge-offs | 329.1317% | 1,414 |
| Earnings coverage of net charge-offs (x) | 13.9300% | 1,698 |
| Efficiency ratio | 68.1157% | 5,141 |
| Assets per employee ($millions) | 2.7073% | 6,809 |
| Cash dividends to net income (ytd only)* | 22.6483% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,027 |
| Loan loss allowance to noncurrent loans | 147.1806% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6444% | 5,805 |
| Noncurrent loans to loans | 0.8073% | 5,616 |
| Net loans and leases to total assets | 66.2556% | 4,519 |
| Net loans and leases to deposits | 77.6809% | 4,923 |
| Net loans and leases to core deposits | 87.0075% | 5,807 |
| Total domestic deposits to total assets | 85.2920% | 3,110 |
| Equity capital to assets | 9.3489% | 4,802 |
| Core capital (leverage) ratio | 7.9751% | 6,373 |
| Tier 1 risk-based capital ratio | 9.9721% | 6,957 |
| Total risk-based capital ratio | 10.9761% | 7,149 |
| Memoranda: | ||
| Average total assets | $1,243,530,670 | 568 |
| Average earning assets | $1,113,941,000 | 570 |
| Average equity | $112,206,330 | 602 |
| Average total loans | $835,500,330 | 588 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4308% | 5,264 |
| Cost of funding earning assets | 1.1778% | 7,345 |
| Net interest margin | 4.2531% | 1,737 |
| Noninterest income to average assets | 1.1855% | 1,035 |
| Noninterest expense to average assets | 3.4635% | 2,192 |
| Loan and lease loss provision to assets | 0.3202% | 3,411 |
| Net operating income to assets | 1.1558% | 1,784 |
| Return on assets (ROA) | 1.1731% | 1,844 |
| Pretax return on assets | 1.2246% | 2,533 |
| Return on Equity (ROE) | 13.2360% | 1,326 |
| Retained earnings to average equity (ytd only) | 13.2360% | 603 |
| Net charge-offs to loans | 0.1623% | 3,667 |
| Credit loss provision to net charge-offs | 293.2551% | 1,657 |
| Earnings coverage of net charge-offs (x) | 13.9853% | 1,704 |
| Efficiency ratio | 68.8394% | 4,809 |
| Assets per employee ($millions) | 2.7686% | 6,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 5,798 |
| Loan loss allowance to noncurrent loans | 243.3765% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 6,360 |
| Noncurrent loans to loans | 0.4325% | 6,341 |
| Net loans and leases to total assets | 66.9676% | 4,350 |
| Net loans and leases to deposits | 78.2370% | 4,889 |
| Net loans and leases to core deposits | 87.3787% | 5,797 |
| Total domestic deposits to total assets | 85.5958% | 2,925 |
| Equity capital to assets | 8.9858% | 5,369 |
| Core capital (leverage) ratio | 7.8676% | 6,670 |
| Tier 1 risk-based capital ratio | 9.9134% | 7,020 |
| Total risk-based capital ratio | 10.8267% | 7,295 |
| Memoranda: | ||
| Average total assets | $1,249,381,500 | 566 |
| Average earning assets | $1,117,691,000 | 572 |
| Average equity | $110,728,500 | 607 |
| Average total loans | $840,265,500 | 588 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4083% | 3,373 |
| Cost of funding earning assets | 1.8841% | 6,778 |
| Net interest margin | 4.5242% | 1,362 |
| Noninterest income to average assets | 1.2472% | 952 |
| Noninterest expense to average assets | 3.4028% | 2,676 |
| Loan and lease loss provision to assets | 0.1347% | 5,630 |
| Net operating income to assets | 1.6411% | 770 |
| Return on assets (ROA) | 1.4442% | 1,088 |
| Pretax return on assets | 1.4937% | 1,703 |
| Return on Equity (ROE) | 15.9375% | 785 |
| Retained earnings to average equity (ytd only) | 13.1498% | 157 |
| Net charge-offs to loans | 0.4466% | 2,594 |
| Credit loss provision to net charge-offs | 45.3901% | 6,400 |
| Earnings coverage of net charge-offs (x) | 6.1702% | 3,426 |
| Efficiency ratio | 64.4369% | 5,466 |
| Assets per employee ($millions) | 2.8216% | 6,511 |
| Cash dividends to net income (ytd only)* | 17.4917% | 4,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 6,256 |
| Loan loss allowance to noncurrent loans | 276.0972% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 6,161 |
| Noncurrent loans to loans | 0.3522% | 6,315 |
| Net loans and leases to total assets | 66.1852% | 4,811 |
| Net loans and leases to deposits | 77.0863% | 5,460 |
| Net loans and leases to core deposits | 88.8137% | 5,907 |
| Total domestic deposits to total assets | 85.8586% | 2,468 |
| Equity capital to assets | 8.7413% | 5,745 |
| Core capital (leverage) ratio | 7.7885% | 6,820 |
| Tier 1 risk-based capital ratio | 9.4799% | 7,333 |
| Total risk-based capital ratio | 10.3209% | 7,708 |
| Memoranda: | ||
| Average total assets | $1,187,566,600 | 565 |
| Average earning assets | $1,046,573,600 | 581 |
| Average equity | $107,614,200 | 630 |
| Average total loans | $789,223,600 | 604 |